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Optimizing Innovation,
Achieving Higher Excellence
2023 Laporan Tahunan
Annual Report
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 i
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Sanggahan dan
Batasan Tanggung Jawab
Disclaimers and Limitations of Responsibility
Laporan Tahunan ini memuat pernyataan kondisi This Annual Report contains statements of financial
keuangan, hasil operasi, proyeksi, rencana, strategi, condition, operational results, including the
kebijakan, serta tujuan PT Asuransi Tugu Pratama projections, plans, strategies, policies, and objectives
Indonesia Tbk, yang digolongkan sebagai pernyataan of PT Asuransi Tugu Pratama Indonesia Tbk. These
ke depan dalam pelaksanaan perundang-undangan are classified as forward-looking statements in
yang berlaku, kecuali hal-hal yang bersifat historis. accordance with applicable laws, except for historical
Pernyataan-pernyataan tersebut memiliki prospek matters. These statements have prospective risks,
risiko, ketidakpastian, serta dapat mengakibatkan uncertainties, and may result in actual developments
perkembangan aktual secara material berbeda dari materially different from those reported.
yang dilaporkan.
Pernyataan-pernyataan prospektif dalam Laporan Prospective statements in this Annual Report are
Tahunan ini dibuat berdasarkan berbagai asumsi made based on various assumptions regarding the
mengenai kondisi terkini dan kondisi mendatang current and future conditions of PT Asuransi Tugu
PT Asuransi Tugu Pratama Indonesia Tbk serta Pratama Indonesia Tbk and the business environment
lingkungan bisnis di mana Perseroan menjalankan in which the Company conducts business activities.
kegiatan usaha. Pernyataan yang terdapat di Laporan The statements contained in this Annual Report are
Tahunan ini bukan menjadi jaminan kinerja di masa not a guarantee of future performance, because the
yang akan datang, karena hasil sebenarnya di masa actual results in the future may differ due to factors
depan dapat berbeda karena dapat dipengaruhi oleh beyond the control of PT Asuransi Tugu Pratama
beberapa faktor di luar kendali PT Asuransi Tugu Indonesia Tbk.
Pratama Indonesia Tbk.
Laporan Tahunan ini memuat kata “Tugu Insurance”, This annual report contains words such as “Tugu
“Perseroan”, “Perusahaan”, dan “Kami” yang Insurance”, “the Company”, and “We”, all of which
didefinisikan sebagai PT Asuransi Tugu Pratama define PT Asuransi Tugu Pratama Indonesia Tbk that is
Indonesia Tbk yang menjalankan bisnis dalam bidang engaged in General Insurance (conventional & sharia)
Asuransi Umum (konvensional dan syariah). Hal ini business. These words generally are used on the
digunakan atas dasar kemudahan untuk menyebut basis of the convenience of referring to PT Asuransi
PT Asuransi Tugu Pratama Indonesia Tbk secara Tugu Pratama Indonesia Tbk.
umum.
ii LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Penjelasan Tema Theme Explanation Optimizing Innovation, Achieving Higher Excellence Di tengah kondisi yang cukup menantang, PT Asuransi Tugu Pratama Indonesia Tbk (Tugu Insurance) terus melangkah untuk memperkuat kinerja melalui peningkatan pelayanan dan inovasi secara berkelanjutan. Perseroan senantiasa melakukan berbagai rasionalisasi dan optimalisasi untuk menjawab tantangan yang terjadi di sepanjang tahun 2023. Perseroan menjawab tantangan zaman dengan membangun kekuatan fundamental yang kokoh dan diwujudkan melalui beberapa langkah penting di tahun 2023, yaitu dengan mengedepankan risk management yang prudent ditambah dengan penguatan kolaborasi maupun sinergi bisnis di lingkungan Pertamina Group serta terus secara aktif untuk meningkatkan penetrasi ke pasar Badan Usaha Milik Negara (BUMN), Badan Usaha Kecil Menengah (UKM), dan retail. Di tahun 2023, Tugu Insurance mampu senantiasa beradaptasi dengan tantangan dalam rangka mencapai target pertumbuhan kinerja secara positif. Perseroan terus memperkuat fondasi dengan mengembangkan bisnis hingga ke level yang lebih tinggi. Langkah ini dilakukan Tugu Insurance untuk dapat mengoptimalkan kinerja dan memperkuat eksistensinya. Kinerja keuangan dan operasional yang tangguh, menjadi salah satu bukti capaian Perseroan dalam menerapkan langkah strategis untuk memperkuat fondasi usahanya. In the midst of challenging conditions, PT Asuransi Tugu Pratama Indonesia Tbk (Tugu Insurance) continues to strive to strengthen performance through continuous service improvement and innovation. The Company continues to implement various rationalizations and optimizations to address the challenges that occur throughout 2023. The Company overcomes the challenges of the times by building solid fundamental strength and executing it through a series of essential actions in 2023, namely by prioritizing prudent risk management as well as strengthening collaboration and business synergies within the Pertamina Group and at the same time continuing to actively increase penetration into the State-owned Enterprise (SOEs), Small and Medium-sized Enterprises (SMEs), and retail markets. In 2023, Tugu Insurance is able to constantly adapt to challenges in order to achieve positive performance growth targets. The Company continues to strengthen the foundation by developing the business to a higher level. Tugu Insurance implemented this decision to optimize its performance and strengthen its existence. Strong financial and operational performance is a proof of the Company's achievements in implementing strategic measures to strengthen its business foundation. PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 01
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Daftar Isi
Table of Contents
03
Profil Perusahaan
Company Profile
137 Kronologi Penerbitan dan/atau
Pencatatan Saham
Share Issuance and/or Share Listing
Chronology
62 Identitas Perusahaan 138 Kronologi Penerbitan dan/atau
Company Identity Pencatatan Efek Lainnya
ii Sanggahan dan Batasan Tanggung Jawab Chronology of the Issuance and/or the
63 Riwayat Singkat Tugu Insurance
Listing of Other Securities
Disclaimers and Limitations of Brief History of Tugu Insurance
Responsibility
66 Jejak Langkah 138 Informasi Mengenai Kantor Akuntan
01 Penjelasan Tema Publik dan Akuntan Publik
Milestones
Theme Explanation Information Regarding Public Accountant
70 Visi, Misi, dan Tata Nilai Budaya Firm and Public Accountant
02 Daftar Isi Perusahaan
Table of Contents Vision, Mission, and Corporate Culture 139 Lembaga dan/atau Profesi Penunjang
Pasar Modal Lainnya
Value
04 Pencapaian 2023 Other Capital Market Supporting
2023 Achievement
74 Bidang Usaha Institutions and/or Professions
Business Line
06 Penghargaandan Sertifikasi
04
Awards and Certifications
76 Produk dan Jasa
Products and Services
84 Peta Wilayah Operasional
Analisa &
01
Operational Areas
86 Kantor Perwakilan
Representative Offices Pembahasan
Kilas Kinerja 87 Keanggotaan dalam Asosiasi Manajemen
Membership in Associations
Performance Review Management Discussion and
88 Struktur Organisasi Tugu Insurance
Tugu Insurance Organizational Structure Analysis
20 Ikhtisar Data Keuangan Penting
Financial Highlights 90 Profil Dewan Komisaris
Board of Commissioners’ Profiles 142 Tinjauan Makroekonomi
Macroeconomic Review
26 Ikhtisar Saham
Share Highlights 102 Informasi Mengenai Rangkap Jabatan
Anggota Dewan Komisaris 144 Tinjauan Industri
Industry Review
29 Ikhtisar Obligasi, Sukuk, atau Obligasi Information Regarding Concurrent
Konversi Positions of Members of the Board of 159 Tinjauan Operasi per Segmen Usaha
Bonds, Sukuk, or Convertible Bonds Commissioners Operational Review by Business
Highlights Segment
103 Informasi Mengenai Hubungan Afiliasi
30 Peristiwa Penting Tahun 2023 Anggota Dewan Komisaris 164 Tinjauan Keuangan
2023 Important Events Information Regarding Affiliation Financial Review
Relationships of Members of the Board
of Commissioners 176 Kemampuan Membayar Kewajiban
Ability to Pay Liabilities (Solvency) of the
104 Profil Direksi Company
02
Board of Directors’ Profiles
178 Tingkat Kolektibilitas Piutang
116 Informasi Mengenai Rangkap Jabatan Accounts Receivable Collectability
Anggota Direksi
179 Struktur Modal dan Kebijakan
Laporan Manajemen
Information Regarding Concurrent
Positions of Members of the Board of Manajemen atas Struktur Modal
Directors Capital Structure and the Management’s
Management Report Policy on Capital Structure
117 Informasi Mengenai Hubungan Afiliasi
Anggota Direksi 180 Ikatan Material untuk Investasi Barang
38 Laporan Dewan Komisaris Information Regarding Affiliation Modal
Report of the Board of Commissioners Relationships of the Board of Directors Material Commitment for Capital
Members Expenditure
47 Laporan Direksi
Report of the Board of Directors
118 Sumber Daya Manusia 181 Realisasi Investasi Barang Modal Tahun
Human Resource 2023
58 Surat Pernyataan Dewan Komisaris
Realization of Capital Expenditure in
Statement Letter of Board of
129 Informasi Mengenai Kepemilikan Saham 2023
Commissioners Shareholding Information
181 Informasi dan Fakta Material yang Terjadi
59 Surat Pernyataan Direksi
131 Informasi Mengenai Pemegang Saham setelah Tanggal Laporan Akuntan
Statement Letter of Board of Directors Utama/Pengendali Material Information and Facts
Information on Principal/Controlling Subsequent to the Accountant’s Report
Shareholders Date
133 Struktur Grup Perusahaan
Company Group Structure
134 Entitas Anak dan Entitas Asosiasi
Subsidiaries and Associates
02 LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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182 Prospek Usaha 05
Tata Kelola 06
Tanggung Jawab
Perusahaan Sosial Perusahaan
Business Outlook
184 Perbandingan Antara Target dan
Realisasi 2023 serta Proyeksi Tahun
2024
Good Corporate Governance Corporate Social
Comparison of 2023 Target vs. Responsibility
Realization and 2024 Projections 200 Komitmen terhadap Tata Kelola
Perusahaan
185 Aspek Pemasaran Commitment to Corporate Governance 436 Tata Kelola Tanggung Jawab Sosial
Marketing Aspect Perusahaan
202 Prinsip Tata Kelola Perusahaan Corporate Social Responsibility
186 Kebijakan Dividen dan Pembagian Principles of Corporate Governance Governance
Dividen
Dividend Policy and Dividend Distribution 208 Struktur Organ Tata Kelola Perusahaan 439 Struktur Organisasi TJSL Perseroan
Corporate Governance Organ Structure The Company’s CSR Organizational
187 Realisasi Penggunaan Dana Hasil Structure
Penawaran Umum 281 Komite dan Fungsi di Bawah Dewan
Realization of Use of Proceeds from Komisaris 444 Pemenuhan Surat Edaran Otoritas Jasa
Public Offering Committees Under The Board of Keuangan Nomor 16/SEOJK.04/2021
Commissioners Fulfillment of Financial Services
188 Informasi Keuangan yang Telah Authority Circular Letter Number 16/
Dilaporkan yang Mengandung Kejadian 317 Komite dan Fungsi di Bawah Direksi
SEOJK.04/2021
yang Sifatnya Luar Biasa dan Jarang Committees and Functions Under the
Terjadi Board of Directors 448 Checklist AR 2023 dengan SK-16/S.
Reported Financial Information MBU/2012 tentang Indikator/Parameter
397 Perkara Hukum yang Dihadapi Perseroan,
Penilaian dan Evaluasi Atas Penerapan
Containing Infrequent and Rare Events Entitas Anak, Anggota Dewan Komisaris
Tata Kelola Perusahaan yang Baik (Good
dan Anggota Direksi yang Menjabat
189 Dampak Perubahan Harga Terhadap Corporate Governance) pada Badan
Penjualan/Pendapatan Perusahaan Legal Cases Faced By the Company,
Usaha Milik Negara
Impact of Price Changes on the Subsidiaries, Members of the Board
Checklist of AR 2023 with SK-16/S.
Company’s Sales/Revenue of Commissioners and the Board of
MBU/2012 on Indicators/Parameters
Directors
of Assessment and evaluation of Good
189 Informasi Material Mengenai Investasi,
Ekspansi, Divestasi, Penggabungan/ 399 Sanksi Administratif Terhadap Perseroan, Corporate Governance Implementation
Peleburan Usaha, Akuisisi, dan Anggota Dewan Komisaris dan Anggota on State Owned Enterprises
Restrukturisasi Utang/Modal pada Tahun Direksi yang Menjabat
Administrative Sanctions Imposed on 457 Checklist AR 2023 dengan Surat
Buku Edaran Otoritas Jasa Keuangan Nomor
Material Information Regarding the Company, Members of the Board
16/SEOJK.04/2021 Tentang Bentuk
Investment, Expansion, Divestment, of Commissioners and Members of the
Dan Isi Laporan Tahunan Emiten Atau
Business Merger/Consolidation, Board of Directors
Perusahaan Publik
Acquisition, and Debt/Capital 401 Kode Etik Checklist of AR 2023 with OJK’s Circular
Restructuring in the Fiscal Year Code of Conduct Letter Number 16/SEOJK.04/2021 on
the Form and Content of Annual report of
189 Informasi Material Mengenai Transaksi 405 Pemberian Kompensasi Jangka Panjang
Material yang Mengandung Benturan the Issuers and Public Company
Berbasis Kinerja Kepada Direksi dan
Kepentingan Karyawan dalam Bentuk Management
Material Information on Material Stock Option Plan (MESOP)
Transactions Containing Conflict of Provision of Performance-Based Long-
07
Interest Term Compensation to the Board of
Directors and Employees in Form of
190 Informasi Material Mengenai Transaksi
dengan Pihak Afiliasi/Pihak Berelasi Management Stock Option Plan (MESOP)
Laporan
Material Information on Transactions 407 Kebijakan Pengungkapan Informasi
with Affiliates/Related Parties Mengenai Kepemilikan Saham Anggota
196 Perubahan Peraturan Perundang-
undangan yang Berdampak Signifikan
Direksi dan Dewan Komisaris
Information Disclosure Policy on Share
Keuangan
terhadap Perusahaan Ownership of the Board of Directors and Financial Report
Amendment to Laws and Regulations the Board of Commissioners
with Significant Impact on the Company 409 Sistem Pelaporan Pelanggaran 477 Laporan Keuangan
(Whistleblowing System) Audited Report
196 Perubahan Kebijakan Akuntansi dan
Dampaknya terhadap Laporan Keuangan Whistleblowing System
Changes in Accounting Policies and Their 413 Kebijakan Anti Korupsi
Impact on Financial Statements Anti Corruption Policy
426 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
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 03
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Pencapaian
2023
2023 Achievement
Kinerja Operasional Operational Perfomance
Premi Bruto Pendapatan
Gross Premium Underwriting
Underwriting Revenues
Rp
7,71
triliun
Rp
2,61
triliun
IDR7.71 trillion IDR2.61 trillion
Pendapatan Pendapatan Usaha
Investasi Lainnya
Investment Income Other Operating Revenues
Rp
579,83 miliar
Rp
402,09
miliar
IDR579.83 billion IDR402.09 billion
04 LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Kinerja Keuangan Financial Performance
Jumlah Laba
Pendapatan Tahun Berjalan
Total Revenues Income for the Year
Rp
3,59
triliun
Rp
1,3
triliun
IDR3.59 trillion IDR1.3 trillion
Aset Ekuitas
Assets Equity
Rp
25,14 triliun
Rp
10,28triliun
IDR25.14 trillion IDR10.28 trillion
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 05
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Penghargaan
dan Sertifikasi
Awards and Certifications
Penghargaan
Awards
Indonesia Excellence Good Corporate Governance Ethics in
Providing Precise and Reliable Insurance Services Category
General Insurance
Nama Acara Indonesia Excellence GCG Awards 2023
Name of Event
Tanggal Penerimaan 31 Januari 2023
Date of the Award 31 January 2023
Diberikan Oleh Warta Ekonomi
Awarded By
Indonesia’s Popular Digital Product Awards 2023
(Financial Industry) E-Customer Service
in General Finance Category
Nama Acara Indonesia’s Popular Digital Products Awards 2023
Name of Event
Tanggal Penerimaan 17 Februari 2023
Date of the Award 17 February 2023
Diberikan Oleh The Iconomics
Awarded By
Best Public Relations in Company Management on Providing
Corporate Insurance Product Diversification to Strengthen Business
Transformation
Nama Acara Indonesia Public Relation Awards (IPRA) 2023
Name of Event
Tanggal Penerimaan 24 Februari 2023
Date of the Award 24 February 2023
Diberikan Oleh Warta Ekonomi
Awarded By
06 LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Best Performance Chief Financial Officer 2023 in Realizing
Sustainable Growth by Strengthening Business Segmentation
Category General Insurance
Nama Acara Indonesia Best CFO Awards 2023
Name of Event
Tanggal Penerimaan 28 Februari 2023
Date of the Award 28 February 2023
Diberikan Oleh Warta Ekonomi
Awarded By
Bronze Winner PRIA 2023 Sektor Anak Usaha BUMN
Kategori Laporan Tahunan Sub Kategori Sustainability Report
Bronze Winner PRIA 2023 BUMN Subsidiary Sector Category Annual
Report Sub Category Sustainability Report
Nama Acara PR Indonesia Awards (PRIA) 2023
Name of Event
Tanggal Penerimaan 17 Maret 2023
Date of the Award 17 March 2023
Diberikan Oleh PR Indonesia
Awarded By
The Highest Digital Index General Insurance Company
Nama Acara Infobank 12th Digital Brand Awards 2023
Name of Event
Tanggal Penerimaan 12 April 2023
Date of the Award 12 April 2023
Diberikan Oleh Infobank
Awarded By
Indonesia Best Sharia Finance 2023 with Outstanding
Comprehensive Sharia Insurance Products Availability for Various
Market Segmentation
Nama Acara Indonesia Sharia Finance Awards 2023
Name of Event
Tanggal Penerimaan 10 Mei 2023
Date of the Award 10 May 2023
Diberikan Oleh Warta Ekonomi
Awarded By
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 07
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Grand Digital Marketing Company 2023 for
The Informative Social Media Content
Nama Acara Indonesia Grand Digital Marketing Awards 2023
Name of Event
Tanggal Penerimaan 10 Mei 2023
Date of the Award 10 May 2023
Diberikan Oleh Warta Ekonomi
Awarded By
Indonesia Best CSR Awards 2023
Nama Acara 5th Indonesia Best CSR Awards 2023
Name of Event
Tanggal Penerimaan 25 Mei 2023
Date of the Award 25 May 2023
Diberikan Oleh The Iconomics
Awarded By
Best Leader for Sustainability Acceleration
Through Diversification of Insurance Products and Services
Nama Acara Indonesia Financial Top Leader Awards 2023
Name of Event
Tanggal Penerimaan 31 Mei 2023
Date of the Award 31 May 2023
Diberikan Oleh Warta Ekonomi
Awarded By
Indonesia Outstanding Millennials’ Brand Choice 2023
Nama Acara Indonesia Millennial’s Brand Choice Awards 2023
Name of Event
Tanggal Penerimaan 31 Mei 2023
Date of the Award 31 May 2023
Diberikan Oleh Warta Ekonomi
Awarded By
08 LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Bronze Winner Media Relation Award 2023 Kategori Media Special
Program
Nama Acara Media Relations Award
Name of Event
Tanggal Penerimaan Mei 2023
Date of the Award May 2023
Diberikan Oleh SPS
Awarded By
The Best SPEx2 Company in General Insurance Industry
Nama Acara The 8th Annual 2023 SPEx2 DX Award
Name of Event
Tanggal Penerimaan 6 Juli 2023
Date of the Award 6 July 2023
Diberikan Oleh Kontan
Awarded By
The Best Performance in 10 Consecutive Years for General
Insurance Company
Nama Acara Second Half Year Economic Outlook 2023
Name of Event
Tanggal Penerimaan 27 Juli 2023
Date of the Award 27 July 2023
Diberikan Oleh Infobank
Awarded By
The Best Performance General Insurance Company 2023
Nama Acara Second Half Year Economic Outlook 2023
Name of Event
Tanggal Penerimaan 27 Juli 2023
Date of the Award 27 July 2023
Diberikan Oleh Infobank
Awarded By
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 09
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The Highest Score General Insurance Company 2023
Nama Acara 24th Insurance Award 2023
Name of Event
Tanggal Penerimaan 27 Juli 2023
Date of the Award 27 July 2023
Diberikan Oleh Infobank
Awarded By
General Insurance Market Leaders Award 2023
Nama Acara 2023 Insurance Market Leaders Award
Name of Event
Tanggal Penerimaan 27 Juli 2023
Date of the Award 27 July 2023
Diberikan Oleh Media Asuransi
Awarded By
Best Insurance 2023 Kategori Asuransi Umum Beraset
di atas Rp5 triliun
Best Insurance 2023 in the General Insurance Category
with Assets above IDR 5 trillion
Nama Acara Investor Daily Awards 2023
Name of Event
Tanggal Penerimaan 28 Juli 2023
Date of the Award 28 July 2023
Diberikan Oleh Investor Daily
Awarded By
CallTIA – Tugu Insurance Kategori Call Center Car Insurance
CallTIA – Tugu Insurance Call Center Car Insurance Category
Nama Acara Contact Center Service Excellence Award 2023
Name of Event
Tanggal Penerimaan Juli 2023
Date of the Award July 2023
Diberikan Oleh Majalah Marketing
Awarded By
10 LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Indonesia Corporate Reputations Awards 2023
Nama Acara 4th Indonesia Public Relations Summit 2023
Name of Event
Tanggal Penerimaan 4 Agustus 2023
Date of the Award 4 August 2023
Diberikan Oleh The Iconomics
Awarded By
Bronze Winner Media Relations Award 2023
Nama Acara Penghargaan 77 Tahun Serikat Perusahaan Pers (SPS)
Name of Event 77th Anniversary of the Press Union (SPS) Award
Tanggal Penerimaan 11 Agustus 2023
Date of the Award 11 August 2023
Diberikan Oleh Serikat Perusahaan Pers
Awarded By Press Union
Best TJSL 2023 with Outstanding Program in Environmental
Preservation and Education Services for the Community
Nama Acara Indonesia TJSL Awards 2023
Name of Event
Tanggal Penerimaan 31 Agustus 2023
Date of the Award 31 August 2023
Diberikan Oleh Warta Ekonomi
Awarded By
4th Indonesia Top Insurance Companies Awards 2023
Nama Acara 4th Indonesia Top Insurance Companies Awards 2023
Name of Event
Tanggal Penerimaan 8 September 2023
Date of the Award 8 September 2023
Diberikan Oleh The Iconomics
Awarded By
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 11
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4th Top Insurance Companies Awards – Performing in Asset 10-25
Trillion General Insurance Company
Nama Acara 4th Indonesia Top Insurance Company Awards 2023
Name of Event
Tanggal Penerimaan 8 September 2023
Date of the Award 8 September 2023
Diberikan Oleh The Iconomics
Awarded By
Top 50 Mid Capitalization Public Listed Company
Nama Acara The 14th IICD Corporate Governance Conference and
Name of Event Award
Tanggal Penerimaan 18 September 2023
Date of the Award 18 September 2023
Diberikan Oleh Indonesia Institute for Corporate Directorship (IICD)
Awarded By
Best Financial Sector 2023
Nama Acara The 14th IICD Corporate Governance Conference and
Name of Event Award
Tanggal Penerimaan 18 September 2023
Date of the Award 18 September 2023
Diberikan Oleh Indonesia Institute for Corporate Directorship (IICD)
Awarded By
Best Sharia General Insurance Business Unit 2023
Nama Acara 2023 Insurance Award
Name of Event
Tanggal Penerimaan 18 September 2023
Date of the Award 18 September 2023
Diberikan Oleh Media Asuransi
Awarded By
12 LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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106 Perusahaan dan Instansi Berpengaruh di Bidang Komunikasi
106 Influential Companies and Agencies in the Field of Communications
Nama Acara Sewindu PR Indonesia Award
Name of Event
Tanggal Penerimaan 21 September 2023
Date of the Award 21 September 2023
Diberikan Oleh PR Indonesia
Awarded By
Best SOE 2023 with Top Financial Performance and Providing a
Variety of Innovative Product and Service Solutions
Nama Acara Indonesia Best BUMN Awards 2023
Name of Event
Tanggal Penerimaan 27 September 2023
Date of the Award 27 September 2023
Diberikan Oleh Warta Ekonomi
Awarded By
Best Insurance 2023 with Top Financial Performance and Seizing
the Opportunity to Develop Product Diversification
Nama Acara Indonesia Best Insurance Awards 2023
Name of Event
Tanggal Penerimaan 27 September 2023
Date of the Award 27 September 2023
Diberikan Oleh Warta Ekonomi
Awarded By
Excellence Financial Performance Islamic Banking Unit
of General Insurance Company 2022
Nama Acara Infobank 12th Sharia Award 2023
Name of Event
Tanggal Penerimaan 27 September 2023
Date of the Award 27 September 2023
Diberikan Oleh Infobank
Awarded By
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 13
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Best Brand Popularity in General Insurance Company
Nama Acara 5th Anniversary Indonesia BUMN Awards 2023
Name of Event
Tanggal Penerimaan 12 Oktober 2023
Date of the Award 12 October 2023
Diberikan Oleh The Iconomics
Awarded By
Best CFO In Financial Institution 2023
Nama Acara The Finance Best CEO 2023
Name of Event
Tanggal Penerimaan 14 November 2023
Date of the Award 14 November 2023
Diberikan Oleh The Finance
Awarded By
The Best Performing General Insurance Based on Financial
Performance 2020–2022
Nama Acara Top 20 Financial Institution 2023
Name of Event
Tanggal Penerimaan 14 November 2023
Date of the Award 14 November 2023
Diberikan Oleh The Finance
Awarded By
2nd Best General Insurance Company 2023, Category General
Insurance Equity >IDR1,5 Trillion
Nama Acara APPARINDO Awards 2023
Name of Event
Tanggal Penerimaan 24 November 2023
Date of the Award 24 November 2023
Diberikan Oleh APPARINDO
Awarded By
14 LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Best Social Contribution Reputation
in General Insurance > 10T Category
Nama Acara Best 50 Financial Awards
Name of Event
Tanggal Penerimaan 27 November 2023
Date of the Award 27 November 2023
Diberikan Oleh The Iconomics
Awarded By
The Inspiration from Successful Leaders in Crisis
Nama Acara Top 100 CEO 2023
Name of Event
Tanggal Penerimaan 5 Desember 2023
Date of the Award 5 December 2023
Diberikan Oleh Infobank
Awarded By
The Inspiration from Successful Leaders in Crisis
Nama Acara Top 200 The Next Leader 2023
Name of Event
Tanggal Penerimaan 5 Desember 2023
Date of the Award 5 December 2023
Diberikan Oleh Infobank
Awarded By
The Inspiration from Successful Leaders in Crisis
Nama Acara Top 200 The Next Leader 2023
Name of Event
Tanggal Penerimaan 5 Desember 2023
Date of the Award 5 December 2023
Diberikan Oleh Infobank
Awarded By
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 15
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Best Chief Marketing Officer 2023 in Continuous Improvement
Through Optimizing and Strengthening Multichannel Distribution
Nama Acara Indonesia Best CMO Awards 2023
Name of Event
Tanggal Penerimaan 14 Desember 2023
Date of the Award 14 December 2023
Diberikan Oleh Warta Ekonomi
Awarded By
Indonesia CEO Excellence 2023 with Popularity in Maintaining
Sustainable Performance Through Prudent Risk Management
and Digitalization
Nama Acara Indonesia CEO Excellence Award
Name of Event
Tanggal Penerimaan 14 Desember 2023
Date of the Award 14 December 2023
Diberikan Oleh Warta Ekonomi
Awarded By
Winner of 3rd Anniversary Indonesia Best 20 Corporate Secretary
Awards 2023
Nama Acara 3rd Anniversary Indonesia Best 20 Corporate Secretary
Name of Event Awards 2023
Tanggal Penerimaan 15 Desember 2023
Date of the Award 15 December 2023
Diberikan Oleh The Economics
Awarded By
Winner of 3rd Anniversary Indonesia Top 20 GCG Awards 2023
Nama Acara Winner of 3rd Anniversary Indonesia Top 20 GCG Awards
Name of Event 2023
Tanggal Penerimaan 15 Desember 2023
Date of the Award 15 December 2023
Diberikan Oleh The Economics
Awarded By
16 LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
Page 19
Digital Financial Excellence Awards 2023
(Asuransi Konvensional-Ekuitas Rp1 Triliun ke Atas)
Digital Financial Excellence Awards 2023
(Conventional Insurance-Equity of IDR1 Trillion and above)
Nama Acara Digital Financial Excellence Awards 2023
Name of Event
Tanggal Penerimaan 19 Desember 2023
Date of the Award 19 December 2023
Diberikan Oleh Media Asuransi
Awarded By
Sertifikasi
Certifications
Anti Bribery Management System as per ISO 37001:2016
Jenis Sertifikasi ISO 37001:2016
Types of Certification
Masa Berlaku 24 Februari 2024
Valid Until 24 February 2024
Diberikan Oleh TUV Nord Indonesia
Awarded By
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 17
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01
1 Kilas Kinerja 2 Laporan Manajemen 3 Profil Perusahaan 4 Analisis dan Pembahasan Manajemen
Performance Review Management Report Company Profile Management Discussion and Analysis
Kilas
Kinerja
Performance Review
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1 Kilas Kinerja 2 Laporan Manajemen 3 Profil Perusahaan 4 Analisis dan Pembahasan Manajemen
Performance Review Management Report Company Profile Management Discussion and Analysis
Ikhtisar Data Keuangan Penting
Financial Highlights
Laporan Laba Rugi dan Penghasilan Komprehensif Lain Konsolidasian
Consolidated Statements of Profit or Loss and Other Comprehensive Income
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Presented in thousand Rupiah, unless otherwise stated)
Keterangan
2023 2022 2021 2020 2019*
Description
Operasi yang Dilanjutkan | Continued Operations
Pendapatan Asuransi dan Reasuransi
Insurance and Reinsurance Revenues
Premi Bruto
7.709.524.068 6.705.580.219 5.986.273.156 6.057.126.567 6.493.167.165
Gross Premium
Premi Reasuransi dan Retrosesi
(4.368.028.394) (3.518.922.914) (3.298.342.753) (3.691.463.444) (3.717.007.191)
Reinsurance and Retrocession Premium
Perubahan Premi yang Belum Merupakan
Pendapatan dan Liabilitas Manfaat Polis
Masa Depan (711.844.970) (74.292.747) 28.101.568 26.142.072 (382.484.774)
Changes in Unearned Premium Reserves and
Liabilities for Future Policy Benefits
Perubahan Aset Reasuransi atas Premi yang
Belum Merupakan Pendapatan dan Liabilitas
Manfaat Polis Masa Depan
450.280.969 (267.439.418) (47.256.005) (9.841.401) 273.340.817
Changes in Reinsurance Assets of Unearned
Premium Reserves and Liabilities for Future
Policy Benefits
Pendapatan Premi, Neto
3.079.931.673 2.844.925.140 2.668.775.966 2.381.963.794 2.667.016.017
Premium Income, Net
Pendapatan (Beban) Komisi Neto
(470.367.564) (502.133.301) (544.548.488) (475.198.042) (533.078.054)
Commission (Expense) Income Net
Total Pendapatan Underwriting
2.609.564.109 2.342.791.839 2.124.227.478 1.906.765.752 2.133.937.963
Total Underwriting Revenues
Pendapatan Investasi
579.830.038 352.391.330 374.065.222 237.263.036 433.703.802
Investment Income
Pendapatan Usaha Lainnya
402.090.598 398.710.042 317.624.217 316.486.916 318.877.994
Other Operating Revenues
Total Pendapatan
3.591.484.745 3.093.893.211 2.815.916.917 2.460.515.704 2.886.519.759
Total Revenues
Total Beban Klaim Neto
(1.911.033.003) (1.672.348.143) (1.474.636.178) (1.330.450.092) (1.284.211.297)
Total Net Claim Expenses
Beban Usaha
(812.220.956) (771.135.847) (732.365.797) (638.943.980) (663.350.239)
Operating Expenses
Beban Usaha Lainnya
(298.263.982) (258.769.400) (225.558.648) (214.189.376) (227.127.859)
Other Operating Expenses
Pendapatan (Beban) Lain-lain Neto
1.054.600.500 108.509.604 (17.846.049) 65.387.434 (83.739.931)
Other Income (Expenses), Net
Total Beban
(1.966.917.441) (2.593.743.786) (2.450.406.672) (2.118.196.014) (2.258.429.326)
Total Expenses
Laba Sebelum Beban Pajak Final dan Pajak
Penghasilan
1.632.330.541 517.197.214 374.456.355 346.473.093 637.486.871
Income Before Final Tax and Income Tax
Expenses
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Keterangan
2023 2022 2021 2020 2019*
Description
Beban Pajak Final
(52.159.894) (30.496.363) (36.452.251) (40.626.959) (35.767.370)
Final Tax Expense
Beban Pajak Penghasilan
(278.069.378) (91.595.511) (10.773.797) (33.930.196) (95.969.493)
Income Tax Expense
Laba Tahun Berjalan
1.302.101.269 395.105.340 327.230.307 271.915.938 505.750.008
Income for the Year
Total Penghasilan Komprehensif Lain Setelah
Pajak 50.021.045 131.353.734 101.665.725 61.689.470 88.833.143
Total Other Comprehensive Income After Tax
Total Penghasilan Komprehensif Tahun
Berjalan 1.352.122.314 526.459.074 428.896.032 333.605.408 594.583.151
Total Comprehensive Income for the Year
Laba Tahun Berjalan yang dapat Diatribusikan kepada:
Income for the Year Attributable to:
Pemilik Entitas Induk
1.322.393.811 347.150.768 316.480.352 265.143.084 458.698.597
Equity Holders of the Parent Entity
Kepentingan Non-Pengendali
(20.292.542) 47.954.572 10.749.955 6.772.854 47.051.411
Non-Controlling Interest
Total Penghasilan Komprehensif Tahun Berjalan yang dapat Diatribusikan kepada:
Total Comprehensive Income for the Year Attributable to:
Pemilik Entitas Induk
1.372.504.501 482.800.353 418.766.016 326.019.818 537.995.968
Equity Holders of the Parent Entity
Kepentingan Non-Pengendali
(20.382.187) 43.658.721 10.130.016 7.585.590 56.587.183
Non-Controlling Interest
Laba Per Saham yang dapat Diatribusikan
kepada Pemilik Entitas Induk (Nilai Penuh)
Dasar Dilusian
372 195 178 149 258
Earnings per Share Attributable to Equity
Holders of the Parent Entity (Full Amount)
Basic and Diluted
*setelah penyajian kembali
*after restatement
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 21
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Laporan Posisi Keuangan Konsolidasian
Consolidated Statement of Financial Position
(Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain) (Presented in thousand Rupiah, unless otherwise stated)
Keterangan
2023 2022 2021 2020 2019*
Description
Investasi pada Entitas Asosiasi
166.639.022 162.313.843 148.547.057 141.761.482 138.420.945
Investment in Associates
Total Investasi
11.672.019.498 9.323.421.470 8.675.350.031 8.300.338.468 8.576.220.341
Total Investments
Aset Tetap, Neto
1.614.302.861 1.443.394.444 1.258.070.256 1.433.657.253 1.353.859.931
Fixed Assets, Net
Jumlah Aset
25.137.942.615 21.581.305.468 20.188.056.012 19.460.094.655 20.734.506.631
Total Assets
Jumlah Liabilitas
14.858.084.382 12.409.207.168 11.398.324.596 11.001.531.708 12.457.437.608
Total Liabilities
Jumlah Ekuitas
10.279.858.233 9.172.098.300 8.789.731.416 8.458.562.947 8.277.069.023
Total Equity
*setelah penyajian kembali
*after restatement
Rasio-Rasio Keuangan
Financial Ratios
Keterangan
2023 2022 2021 2020 2019*
Description
Rasio Margin Laba Usaha
16,09% 13,21% 13,93% 11,42% 24,99%
Operating Profit Margin
Rasio Laba terhadap Jumlah Aset
5,18% 1,83% 1,62% 1,40% 2,44%
Return on Assets
Rasio Laba terhadap Jumlah Ekuitas
12,67% 4,31% 3,72% 3,21% 6,11%
Return on Equity
Rasio Laba (Rugi) terhadap Pendapatan
36,36% 12,77% 11,62% 11,05% 17,52%
Net Profit (Loss) Margin
Rasio Lancar
522,64% 491% 537,58% 624,04% 582%
Current Ratio
Rasio Liabilitas terhadap Ekuitas
144,54% 135,29% 129,68% 130,06% 150,51%
Debt to Equity Ratio
Rasio Liabilitas terhadap Jumlah Aset
59,11% 57,50% 56,46% 56,53% 60,08%
Debt to Assets Ratio
*setelah penyajian kembali
*after restatement
22 LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Grafik-grafik Kinerja Keuangan Financial Performance Graphs
Pendapatan Underwriting Total Pendapatan
Underwriting Revenues Total Revenues
(dalam ribuan Rupiah) | (in thousand Rupiah) (dalam ribuan Rupiah) | (in thousand Rupiah)
2023 2.609.564.109 2023 3.591.484.745
2022 2.342.791.839 2022 3.093.893.211
2021 2.124.227.478 2021 2.815.916.917
2020 1.906.765.752 2020 2.460.515.704
2019 2.133.937.963 2019 2.886.519.759
Pendapatan Investasi Total Beban
Investment Income Total Expenses
(dalam ribuan Rupiah) | (in thousand Rupiah) (dalam ribuan Rupiah) | (in thousand Rupiah)
2023 579.830.038 2023 1.966.917.441
2022 352.391.330 2022 2.593.743.786
2021 374.065.222 2021 2.450.406.672
2020 237.263.036 2020 2.118.196.014
2019 433.703.802 2019 2.258.429.326
Laba Tahun Berjalan Laba Tahun Berjalan yang Dapat Diatribusikan
Income for the Year Kepada Pemilik Entitas Induk
(dalam ribuan Rupiah) | (in thousand Rupiah) Income for the Year Attributable to Equity Holders of the
Parent Entity
(dalam ribuan Rupiah) | (in thousand Rupiah)
2023 1.302.101.269 2023 1.322.393.811
2022 395.105.340 2022 347.150.768
2021 327.230.307 2021 316.480.352
2020 271.915.938 2020 265.143.084
2019 505.750.008 2019 458.698.597
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 23
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Laba Tahun Berjalan yang Dapat Diatribusikan Penghasilan Komprehensif Tahun Berjalan
kepada Kepentingan Non-Pengendali Comprehensive Income for the Year
Income for the Year Attributable to Non-Controlling Interest (dalam ribuan Rupiah) | (in thousand Rupiah)
(dalam ribuan Rupiah) | (in thousand Rupiah)
(20.292.542) 2023 2023 1.352.122.314
2022 47.954.572 2022 526.459.074
2021 10.749.955 2021 428.896.032
2020 6.772.854 2020 333.605.408
2019 47.051.411 2019 594.583.151
Penghasilan Komprehensif Tahun Berjalan yang Dapat Penghasilan Komprehensif Tahun Berjalan yang Dapat
Diatribusikan kepada Pemilik Entitas Induk Diatribusikan kepada Kepentingan Non-Pengendali
Comprehensive Income for the Year Attributable to Comprehensive Income for the Year Attributable to
Equity Holders of the Parent Entity Non-Controlling Interest
(dalam ribuan Rupiah) | (in thousand Rupiah) (dalam ribuan Rupiah) | (in thousand Rupiah)
2023 1.372.504.501 (20.382.187) 2023
2022 482.800.353 2022 43.658.721
2021 418.766.016 2021 10.130.016
2020 326.019.818 2020 7.585.590
2019 537.995.968 2019 56.587.183
Investasi pada Entitas Asosiasi Total Aset
Investment in Associates Total Assets
(dalam ribuan Rupiah) | (in thousand Rupiah) (dalam ribuan Rupiah) | (in thousand Rupiah)
2023 166.639.022 2023 25.137.942.615
2022 162.313.843 2022 21.581.305.468
2021 148.547.057 2021 20.188.056.012
2020 141.761.482 2020 19.460.094.655
2019 138.420.945 2019 20.734.506.631
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Total Liabilitas Total Ekuitas
Total Liabilities Total Equity
(dalam ribuan Rupiah) | (in thousand Rupiah) (dalam ribuan Rupiah) | (in thousand Rupiah)
2023 14.858.084.382 2023 10.279.858.233
2022 12.409.207.168 2022 9.172.098.300
2021 11.398.324.596 2021 8.789.731.416
2020 11.001.531.708 2020 8.458.562.947
2019 12.457.437.608 2019 8.277.069.023
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 25
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Ikhtisar Saham
Share Highlights
Informasi Pemegang Saham
Shareholder Information
Per 31 Desember 2023, komposisi Pemegang Saham As of 31 December 2023, the composition of Tugu Insurance
Tugu Insurance terdiri dari PT Pertamina (Persero) sebesar Shareholders consists of PT Pertamina (Persero) with
58,50%, UOB Kay Hian Pte. Ltd. sebesar 15,89%, Samsung 58.50%, UOB Kay Hian Pte. Ltd. with 15.89%, Samsung Fire
Fire & Marine Insurance Co., Ltd sebesar 5,30%, dan lainnya & Marine Insurance Co., Ltd with 5.30%, and others with
sebesar 20,31%. 20.31% of the shares.
Kinerja Saham
Share Performance
Pada tanggal 2 Januari 2023, perdagangan saham Tugu On 2 January 2024, Tugu Insurance share trading (ticker
Insurance (kode saham: TUGU) dibuka pada harga Rp1.726 code: TUGU) opened at the price of IDR1,726 per share
per saham dengan jumlah saham beredar sebanyak with a total of 1,777,787,800 outstanding shares. At the
1.777.787.800 lembar saham. Pada akhir perdagangan end of the 2023 trading period, TUGU’s shares were closed
tahun 2023, harga saham TUGU ditutup dengan harga at IDR1,020 per share with a total of 3,555,575,600
Rp1.020 per saham dengan jumlah saham beredar sebanyak outstanding shares (after Stock Split). The performance
3.555.575.600 lembar saham (setelah Stock Split). Kinerja of TUGU shares in the last 2 (two) years can be seen
saham TUGU dalam 2 (dua) tahun terakhir dapat dilihat as follows:
sebagai berikut:
Keterangan 2023
Description Q1 Q2 Q3 Q4
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)
*Dikonversi ke harga setelah stock split 1:2
*Converted to the price after stock split 1:2
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Keterangan 2022
Description Q1 Q2 Q3 Q4
Jumlah Saham Beredar
1.777.777.800 1.777.777.800 1.777.787.800 1.777.787.800
Total Outstanding Shares
Kapitalisasi Pasar (Rp)
2.595.555.588.000 2.391.111.141.000 4.568.914.646.000 3.084.461.833.000
Market Capitalization (IDR)
Harga Tertinggi (Rp)
1.800 1.600 3.490 3.010
Highest Price (IDR)
Harga Terendah (Rp)
1.440 1.305 1.285 1.460
Lowest Price (IDR)
Harga Penutupan (Rp)
1.460 1.345 2.570 1.735
Closing Price (IDR)
Volume Perdagangan (saham)
12.761.000 22.259.200 177.872.900 147.859.300
Trading Volume (shares)
Harga Saham dan Volume Perdagangan
Share Price and Trading Volume
8.000 50.000.000
45.000.000
7.000
40.000.000
6.000
35.000.000
5.000
30.000.000
4.000 25.000.000
20.000.000
3.000
15.000.000
2.000
10.000.000
1.000
5.000.000
0 0
JAN/23* FEB/23* MAR/23 APR/23 MAY/23 JUN/23 JUL/23 AUG/23 SEP/23 OCT/23 NOV/23 DEC/23
TUGU (Rp) JKSE (Rp) Volume (Lembar Saham | Shares)
* Harga saham TUGU dikonversi ke harga setelah stock split 1:2
* TUGU share prices converted to stock split price of 1:2
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 27
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Aksi Korporasi
Corporate Action
Pada tahun 2023, Tugu Insurance melakukan aksi korporasi In 2023, Tugu Insurance carried out a corporate action of
pemecahan nilai saham (stock split) dengan rasio 1:2 atau splitting the value of shares (stock split) with a ratio of
dari Rp100,00 (seratus Rupiah) per saham menjadi Rp50,00 1:2 or from IDR100.00 (one hundred Rupiah) per share to
(lima puluh Rupiah), sehingga jumlah saham beredar menjadi IDR50.00 (fifty Rupiah), bringing the number of outstanding
3.555.575.600. shares to 3,555,575,600.
Pemecahan nilai saham ini telah disetujui oleh Rapat Umum This stock split has been approved by the Annual General
Pemegang Saham Tahunan pada tanggal 28 April 2023. Meeting of Shareholders on 28 April 2023.
Aksi korporasi Ada/Tidak Ada
Coroporate Actions Yes/No
Pemecahan Saham Ada
Stock Split Yes
Penggabungan Saham Tidak Ada
Reverse Stock No
Dividen Saham Tidak Ada
Stock Dividend No
Saham Bonus Tidak Ada
Bonus Shares No
Perubahan Nilai Nominal Saham Ada
Changes in the Par Value of Shares Yes
Penambahan dan Pengurangan Modal Tidak Ada
Capital Addition and Reduction No
Sanksi Perdagangan Saham
Stock Trading Sanctions
Sampai dengan 31 Desember 2023, Perseroan tidak pernah Until 31 December 2023, the Company has never been
dikenakan sanksi penghentian sementara perdagangan subject to sanctions of suspension and/or delisting which
saham (suspension) dan/atau penghapusan pencatatan has an impact on share trading activities on the Stock
saham (delisting) yang berpengaruh terhadap aktivitas Exchange, where the Company lists and trades its shares.
perdagangan saham di Bursa Efek tempat Perseroan Therefore, the Company did not have information regarding
mencatatkan dan memperdagangkan saham. Oleh karena the impact of the suspension and/or delisting of shares that
itu, Perseroan tidak memiliki informasi terkait dampak dari can be presented in this Annual Report.
penghentian sementara perdagangan saham (suspension)
dan/atau penghapusan pencatatan saham (delisting) yang
dapat disajikan dalam Laporan Tahunan ini.
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Ikhtisar Obligasi, Sukuk, atau Obligasi Konversi
Bonds, Sukuk, or Convertible Bonds Highlights
Perseroan tidak melakukan pencatatan obligasi, sukuk Until the publication of this 2023 Annual Report, the
atau obligasi konversi maupun pencatatan efek lainnya Company has not recorded bonds, sukuk or convertible
sampai dengan diterbitkannya Laporan Tahunan 2023 ini. bonds or recorded other securities. Therefore, there is no
Dengan demikian, tidak terdapat informasi mengenai jumlah information regarding the number of outstanding bonds/
obligasi/sukuk/obligasi konversi yang beredar (outstanding), sukuk/convertible bonds, interest/yield rates, maturity
tingkat bunga/imbalan, tanggal jatuh tempo, peringkat dates, and bond/sukuk ratings.
obligasi/sukuk.
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 29
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Peristiwa Penting Tahun 2023
2023 Important Events
Maret March
1 Maret 2023 | 1 March 2023 Penandatanganan Kerjasama Asuransi
Syariah dengan Bank Jabar Banten Syariah
The Signing of Cooperation Agreement between
Sharia Insurance and Bank Jabar Banten Syariah
Unit Syariah Tugu Insurance menandatangani perjanjian kerjasama
bancassurance dengan PT Bank Jabar Banten Syariah (BJBS) dalam
rangka memperluas jalur distribusi pemasaran asuransi syariah.
Sharia Unit of Tugu Insurance signed bancassurance cooperation
agreement with PT Bank Jabar Banten Syariah (BJBS) in order to
expanding the marketing distribution channel of sharia insurance.
13 Maret 2023 | 13 March 2023 Pelestarian Mangrove di
Suaka Margasatwa Muara Angke
Mangrove Conservation at Muara Angke Wildlife Reserve
Balai Konservasi Sumber Daya Alam (BKSDA) DKI Jakarta bersama
Tugu Insurance melakukan penanaman 100 bibit mangrove di Suaka
Margasatwa (SM) Muara Angke.
Event ini sebagai bagian dari rangkaian HUT ke-41 Tugu Insurance,
yang telah dimulai dengan event Tugu Charity Virtual Run & Ride
dan diikuti oleh ribuan peserta. Setiap jarak yang ditempuh peserta
event ini dikonversi menjadi donasi yang akan digunakan untuk
mendukung pelestarian mangrove di SM Muara Angke.
DKI Jakarta Natural Resources Conservation Agency (BKSDA),
together with Tugu Insurance, planted 100 mangrove seedlings in
the Muara Angke Wildlife Reserve (SM).
This is part of Tugu Insurance's 41st anniversary event series, which
started with the Tugu Charity Virtual Run & Ride event and was
attended by thousands of participants. Every distance traveled by
participants in this event is converted into donations that will be
used to support mangrove conservation at SM Muara Angke.
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April April Mei May
28 April 2023 | 28 April 2023 24 Mei 2023 | 24 May 2023
Pemecahan Nominal Saham
Stock Split
RUPS Tahunan
Annual GMS Perseroan melaksanakan pemecahan nilai nominal saham (stock split) sesuai
dengan hasil RUPST tanggal 28 April 2023 dimana awal perdagangan saham
Pada 28 April 2023 Tugu Insurance mengadakan dengan nilai nominal baru dimulai pada tanggal 24 Mei 2023 untuk pasar regular
Rapat Umum Pemegang Saham Tahunan (RUPST) dan negosiasi sedang untuk pasar tunai dimulai pada tanggal 26 Mei 2023.
untuk tahun buku 2022 yang diselenggarakan secara
hybrid. RUPST ini dilaksanakan di Ruang Serba Guna The Company executed the stock split in accordance with the AGMS resolution
PT Asuransi Tugu Pratama Indonesia Tbk Wisma Tugu on 28 April 2023, where the share trading with new nominal for the regular and
I, Lantai 1 Jl. H.R. Rasuna Said Kav. C 8-9, Jakarta negotiation markets started on 24 May 2023, and for the cash market started on
Selatan 12920, dan dihadiri oleh Dewan Komisaris, 26 May 2023.
Direksi, Pemegang Saham/Kuasa Pemegang Saham,
serta perwakilan dari lembaga/profesi penunjang
pasar modal.
30 Mei 2023 | 30 May 2023
Pada RUPST ini, Pemegang Saham juga menyetujui
pelaksanaan pemecahan saham (stock split) dengan
rasio 1:2 atau dimana setelah stock split nilai
nominal saham Perseroan berubah dari Rp100,00
(seratus Rupiah) per saham menjadi Rp50,00
(lima puluh Rupiah) per saham dan jumlah saham
beredar berubah dari 1.777.787.800 saham menjadi
3.555.575.600 saham.
On 28 April 2023, Tugu Insurance held an Annual
General Meeting of Shareholders (AGMS) for the
2022 fiscal year in a hybrid manner. This AGMS was Tugu Insurance Bantu Anak Penderita Kanker
held in the Function Hall of PT Asuransi Tugu Pratama Mendapatkan Akses Pelayanan Kesehatan
Indonesia Tbk, Wisma Tugu I, 1st Floor Jl. H.R. Tugu Insurance Helped Children with Cancer
Rasuna Said Kav. C 8-9, South Jakarta 12920, and
to Get Access to Health Services
attended by the Board of Commissioners, Directors,
Shareholders/Proxies, as well as representatives from
Perseroan melalui program Corporate Social Responsibility (CSR) yang dinamakan
capital market supporting institutions/professions.
Bakti TUGU, menggandeng Yayasan Pita Kuning Anak Indonesia (YPKAI) untuk
memberi dukungan nyata kepada anak-anak penderita kanker berupa donasi untuk
At this AGMS, Shareholders also approved the
memenuhi kebutuhan nutrisi dan medis anak-anak tersebut. Donasi ini diharapkan
implementation of stock split with a ratio of 1:2
turut membantu lebih dari 40 anak penderita kanker dari keluarga prasejahtera
or after the stock split the nominal value of the
yang berada di naungan YPKAI.
Company's shares changed from IDR100.00
(one hundred Rupiah) per share to IDR50.00 (fifty
Through the Corporate Social Responsibility (CSR) program called Bakti TUGU, the
Rupiah) per share, and the number of outstanding
Company and Pita Kuning Anak Indonesia Foundation (YPKAI) collaborated to give
shares changed from 1,777,787,800 shares to
real support to children with cancer through donations to meet their nutritional and
3,555,575,600 shares.
medical needs. This donation hopefully will help more than 40 children with cancer
who come from underprivileged families under YPKAI.
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September September
26 September 2023 | 26 September 2023 Penandatanganan Kerja Sama Bancassurance
antara Tugu Insurance dan BCA Syariah
The Signing of Bancassurance Cooperation Agreement
between Tugu Insurance and BCA Syariah
Unit Syariah Tugu Insurance jalin kerja sama bancassurance dengan
BCA Syariah dengan model bisnis referensi dalam rangka produk
bank. Bentuk kerja sama mencakup penyediaan layanan asuransi
kebakaran properti dan produk asuransi kendaraan bermotor,
sebagai bentuk perlindungan bagi jaminan nasabah pembiayaan
produktif dan konsumtif.
Sharia unit of Tugu Insurance signed a bancassurance cooperation
agreement with BCA Syariah with a reference business model in
bank product. This agreement includes cooperation in providing
insurance services for property/fire and motor vehicle insurance
products in the form of protection on the collateral of the productive
and consumptive financing customers.
Oktober October
16 Oktober 2023 | 16 October 2023 Tugu Insurance Dukung Pendidikan
Indonesia melalui Program Beasiswa
dan Literasi Keuangan
Tugu Insurance Supported Indonesian Education
through Scholarship and Financial Literacy Programs
Perseroan bekerja sama dengan Yayasan Karya Salemba Empat
(KSE) memberikan dukungan dalam bentuk paket beasiswa
pendidikan kepada beberapa mahasiswa berprestasi di Perguruan
Tinggi Negeri (PTN) yang memiliki keterbatasan sumber daya
ekonomi. Selain itu, Perseroan bersama KSE juga melaksanakan
program seri pertama Webinar Literasi Keuangan 2023 dengan tema
“Alasan Pentingnya Asuransi untuk Millenial & Gen Z” dan dihadiri
oleh 239 mahasiswa yang berasal dari berbagai PTN yang tersebar
di Indonesia.
The Company collaborated with the Karya Salemba Empat
Foundation (KSE) to provide educational scholarship support
packages to several brilliant students at the State Universities (PTN)
with limited economic resources. In addition, the Company and KSE
also held the first series of Financial Literacy Webinar 2023 with the
theme "The Importance of Insurance for Millennials & Gen Z" which
was attended by 239 students from various PTNs spread across
Indonesia.
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Company Visit Universitas Indonesia 2023
31 Oktober 2023 | 31 October 2023
Company Visit University of Indonesia 2023
Tugu Insurance menyambut 230 mahasiswa vokasi Jurusan Aktuari dari Universitas
Indonesia di kantor pusat Perseroan. Tujuan dari kegiatan ini adalah untuk
memperlihatkan bisnis proses yang ada di Tugu Insurance secara langsung
dengan harapan menjadi jembatan wawasan dan pengetahuan antara hal-hal yang
dipelajari oleh mahasiswa di kelas dengan praktik kerja secara nyata, sehingga
para mahasiswa dapat memperoleh gambaran dan wawasan penerapan ilmu
Asuransi di perusahaan dalam menghadapi dunia kerja.
Kegiatan ini diisi dengan beberapa pemaparan mengenai Tugu Insurance dan
implementasi ilmu Asuransi di dunia kerja serta informasi mengenai program
Internship dan Management Trainee yang diselenggarakan oleh Tugu Insurance.
Selanjutnya diadakan sharing session mengenai apa saja yang harus dipersiapkan
oleh mahasiswa untuk menghadapi dunia kerja, antara lain pemaparan mengenai
tata cara pembuatan Curriculum Vitae yang baik dan benar serta proses
recruitment yang ada di Tugu Insurance.
Tugu Insurance welcomed 230 vocational students majoring in Actuaries from the University of Indonesia at the
Company's head office. This activity aims to show the business processes at Tugu Insurance directly, hoping this
activity becomes a bridge of insight and knowledge between the material studied by students in the class and
the real work practices so the students obtain an overview and insight about how the Insurance theory applied
in the working world in companies.
This activity also presented the presentation regarding Tugu Insurance and how to implement the knowledge
in the working world, as well as information on the Internship and Management Trainee programs organized
by Tugu Insurance. Hereafter, the activity followed by a sharing session regarding the things that need to be
prepared by students to face the working world, among others, how to prepare a good and correct Curriculum
Vitae and the recruitment process in Tugu Insurance.
November November
Tugu Insurance Bangun Fasilitas Air
3 November 2023 | 3 November 2023
Bersih untuk Masyarakat
Tugu Insurance Built Clean Water Facilities for the Community
Perseroan membangun infrastruktur untuk fasilitas air bersih yang layak untuk
masyarakat Desa Sukamanah, Sumedang, Jawa Barat sebagai salah satu program
CSR. Adapun pembangunan infrastruktur fasilitas air bersih tersebut, memberikan
manfaat kepada sekitar 1.400 KK prasejahtera di lingkungan Desa Sukamanah,
Kecamatan Jatinunggal, Kabupaten Sumedang, Jawa Barat.
The Company built the proper clean water facilities infrastructure for the people
of Sukamanah Village, Sumedang, West Java, as part of the CSR programs. The
construction of clean water facility infrastructure will provide benefits to around
1,400 underprivileged families in Sukamanah Village, Jatinunggal District, Sumedang
Regency, West Java.
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17-19 November 2023 | 17-19 November 2023 27 November 2023 | 27 November 2023
Syukuran HUT Tugu Insurance ke-42
Tugu Insurance 42nd Anniversary
Sebagai puncak acara rangkaian peringatan HUT Tugu Insurance
ke-42, Perseroan mengadakan Syukuran Ulang Tahun Tugu Insurance
yang dilaksanakan di Gedung Wisma Tugu I dan dihadiri oleh seluruh
karyawan Perseroan yang bertugas di Kantor Pusat.
Employee Gathering Perayaan
Sebagai bentuk syukur atas bertambahnya usia Perseroan, pada
HUT ke-42 Tugu Insurance kesempatan ini jajaran manajemen menyampaikan kilas kinerja
Employee Gathering Celebrating Tugu Perseroan serta harapan kedepannya, juga mengungkapkan rasa
Insurance's 42nd Anniversary terima kasih kepada dedikasi karyawan Perseroan. Semoga acara
ini mendatangkan manfaat dan keberkahan yang terus bertumbuh
Dalam rangka memperingati HUT ke-42 Perseroan mengadakan seiring perjalanan Tugu Insurance di masa mendatang.
Employee Gathering di Semarang, Jawa Tengah dengan berbagai
rangkaian acara menarik yang turut dimeriahkan oleh seluruh insan As the highlight of the event of the Tugu Insurance 42nd anniversary,
Tugu baik dari kantor pusat maupun kantor cabang the Company held anniversary celebration in Gedung Wisma Tugu I,
hingga jajaran Direksi dan Komisaris. and it was attended by all Company’s employee in the Head Office.
Dalam perayaan ini, Perseroan juga melakukan kegiatan CSR berupa As a form of gratitude for the anniversary, the management
penanaman 2.000 bibit pohon produktif (alpukat, kelengkeng, dan presented the performance highlight and the Company's expectation
mangga) di Desa Sumogawe, Kabupaten Semarang. Bibit pohon for the next year. The management also expressed its gratitude to
ini nantinya akan dikelola oleh kelompok tani setempat sehingga the employee’s dedication to the Company and hopes that the event
kegiatan ini tidak hanya berfokus terhadap pelestarian alam, namun continuously gives benefits and blessings along with the journey of
juga dapat memberdayakan dan meningkatkan perekonomian the Company in the future.
masyarakat di Desa Sumogawe.
To celebrate the 42nd anniversary, the Company held Employee
Gathering in Semarang, Central Java, with the various interesting
events series enlivened by all Tugu's employees from head and
branch offices, and also the Board of Commissioners and Directors.
In this celebration, the Company also carried out CSR activities
by planting 2,000 productive tree seedlings (avocado, longan,
and mango) in Sumogawe Village, Semarang Regency. These tree
seedlings will later be managed by local farmer groups therefore
this activity will not only focus on nature conservation, but can also
empower and improve the economy of the community in Sumogawe
Village.
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Desember December
11 Desember 2023 | 11 December 2023
Paparan Publik (Public Expose) 2023
Public Expose 2023
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 2023.
In order to comply with the provisions of the securities Listing
Regulations of Indonesia Stock Exchange No. I-E regarding the
Obligation to Submit Information, number III.3. regarding Public
Expose Obligations, Decree of the Directors of Indonesia Stock
Exchange No. Kep-00066/BEI/09-2022 concerning Amendments to
Regulation No. I-E Regarding the Obligation to Submit Information,
dated 30 September 2022, Tugu Insurance held the Annual Public
Expose to provide information regarding the Company's performance
for the 2023 fiscal year.
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 35
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Laporan
Dewan Komisaris
Report of the Board of
Commissioners
Dian Masyita
Presiden Komisaris &
Komisaris Independen
President Commissioner &
Independent Commissioner
PT Asuransi Tugu Pratama
Indonesia Tbk memiliki komitmen
yang tinggi untuk menerapkan
prinsip-prinsip Good Corporate
Governance (GCG) dengan tujuan
untuk menjaga pertumbuhan
bisnis yang berkesinambungan
dalam menghadapi persaingan
bisnis yang semakin dinamis.
PT Asuransi Tugu Pratama
Indonesia Tbk is highly committed
to implementing Good Corporate
Governance (GCG) principles
with the aim of maintaining
sustainable business growth
amid increasingly dynamic
business competition.
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Para Pemegang Saham dan Pemangku Kepentingan Dear Distinguished Shareholders and Stakeholders,
yang Terhormat,
Pertama-tama, izinkan kami mengawali laporan ini dengan First of all, we would like to begin this report by expressing
memanjatkan puji syukur kepada Tuhan Yang Maha Esa. our gratitude to God Almighty. This Board of Commissioners
Laporan Dewan Komisaris ini merupakan pokok-pokok report outlines the main points from the Supervisory Report
Laporan Pengawasan terhadap operasional Perseroan di on the Company's operations for the 2023 fiscal year in
tahun buku 2023 terkait pencapaian kinerja usaha dalam terms of achieving business performance and fulfilling
merealisasikan peran strategisnya di industri asuransi its strategic role within the Indonesian insurance sector.
Indonesia. Kehadiran kami sepenuhnya diarahkan pada The Commissioners is entirely focused on the supervisory
fungsi pengawasan yang senantiasa memastikan bahwa function, ensuring the Company’s operational activities have
kegiatan operasional Perseroan telah mengacu pada rencana referred to the specified business plan with the principles of
bisnis yang ditetapkan dengan berprinsip pada akuntabilitas, accountability, professionalism, as well as compliance with
profesionalisme, serta kepatuhan terhadap peraturan the applicable laws and regulations.
perundang-undangan yang berlaku.
Dalam Siaran Pers Otoritas Jasa Keuangan (OJK) No. SP In the Financial Services Authority (OJK) Press Release
03/GKPB/OJK/I/2024 tanggal 9 Januari 2024 disebutkan No. SP 03/GKPB/OJK/I/2024, dated 9 January 2024, it
bahwa OJK menilai stabilitas sektor jasa keuangan nasional is stated that OJK believes that strong capital, sufficient
terjaga, didukung oleh permodalan yang kuat, likuiditas yang liquidity, and a well-managed risk profile has supported the
memadai, dan profil risiko yang terjaga sehingga mampu national financial services sector's stability and enable it to
menghadapi potensi perlambatan pertumbuhan ekonomi withstand any potential slowdown in global economic growth.
global. Indikator perekonomian menunjukkan moderasi Economic indicators suggest moderated growth in several
pertumbuhan ekonomi di beberapa negara, khususnya di countries, especially in the European Union and China.
negara Uni Eropa dan Tiongkok. Perlambatan pertumbuhan Slowing economic growth allowed the central bank to be
ekonomi mendorong inflasi turun mendekati target inflasi more accommodating by bringing inflation lower and closer to
sehingga memberikan ruang bagi bank sentral untuk lebih the target. In the United States (US), The Fed indicated that
akomodatif. Di Amerika Serikat (AS), The Fed mengisyaratkan it would reduce the policy interest rate by 75 bps in 2024
akan menurunkan suku bunga kebijakan sebesar 75 bps with the market assessing that the US economy is still quite
di 2024 dengan pasar menilai ekonomi AS masih cukup resilient and is not expected to fall into a recession.
resilient dan diperkirakan tidak akan mengalami resesi.
Namun demikian, pasar masih mencermati perkembangan However, the market is still closely monitoring future
geopolitik ke depan, seperti eskalasi ketegangan di geopolitical developments, such as the intensifying tensions
laut merah imbas dari konflik Palestina-Israel, serta in the Red Sea due to the Palestine-Israel conflict and the
penyelenggaraan pemilihan umum yang mencakup 50 persen upcoming general elections that will affect fifty percent of the
populasi dunia terutama di beberapa negara utama seperti global population, especially in several major countries such
AS, Uni Eropa, India, dan Taiwan. as the US, European Union, India, and Taiwan.
Secara umum sentimen di pasar keuangan gobal cenderung Essentially, expectations of a Fed Funds Rate (FFR) interest
positif pada Desember 2023 didukung oleh ekspektasi rate reduction and the narrative of a soft landing in the US,
penurunan suku bunga Fed Funds Rate (FFR) dan narasi soft support the positive sentiment on global financial markets in
landing di AS, sehingga mendorong kembalinya aliran dana December 2023, which encourages the return of fund inflows
masuk ke Emerging Markets (EM) dan penguatan pasar to Emerging Markets (EM) and solidifies global financial
keuangan global, termasuk pasar keuangan Indonesia. markets, including Indonesian financial market. At the same
Volatilitas baik di pasar saham, surat utang, maupun nilai time, volatility in the stock market, debt securities and
tukar juga terpantau menurun. exchange rates also notably decreased.
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Di sisi lain, indikator perekonomian domestik menunjukkan On the other hand, domestic economic indicators show that
bahwa leading indicators perekonomian nasional masih a fairly positive leading indicators of the national economy,
cukup positif, di antaranya ditunjukkan oleh neraca including the trade balance which is still in surplus and
perdagangan yang masih surplus dan Purchasing Managers' expansive Manufacturing PMI (Purchasing Managers’ Index).
Index (PMI) Manufaktur yang masih ekspansif. Tingkat inflasi The inflation rate was also remained low at 2.61 percent
juga terjaga rendah di level 2,61 persen yoy (November yoy (November 2023: 2.28 percent yoy). However, it is still
2023: 2,28 persen yoy). Namun demikian, masih perlu necessary to monitor the future developments in domestic
dicermati perkembangan permintaan domestik ke depan demand considering core inflation and consumer optimism
seiring masih berlanjutnya penurunan inflasi inti, penurunan continues to decline, as well as weakening growth in retail
optimisme konsumen, serta melandainya pertumbuhan and motor vehicle sales.
penjualan ritel dan kendaraan bermotor.
Fungsi Pengawasan dan Penilaian Dewan Komisaris atas Kinerja Direksi
Supervision and Assessment Function of the Board of Commissioners on the Performance of
the Board of Directors
Tahun 2023 merupakan tahun yang sangat menantang bagi The year 2023 was very challenging for PT Asuransi Tugu
PT Asuransi Tugu Pratama Indonesia Tbk, namun Perseroan Pratama Indonesia Tbk, however, the Company continues its
tetap melakukan beragam upaya untuk mencapai target yang various efforts to accomplish the established targets. The
telah ditetapkan. Parameter utama untuk menilai kinerja main parameter for assessing Management performance
Manajemen adalah Indikator Kinerja Utama (IKU) yang terdiri is the Key Performance Indicators (KPI) which consists of
dari IKU yang disampaikan ke Pemegang Saham Utama. the KPI submitted to Major Shareholders. In addition, the
Selain itu, Dewan Komisaris juga melaksanakan pengawasan Board of Commissioners also supervises the achievement
pencapaian IKU tersebut per Direktorat yang dibawahi oleh of the KPI per Directorate which is supervised by the Director
Direktur yang bertanggungjawab atas pelaksanaan dan responsible for the implementation and the achievement of
pencapaian target kinerja. performance targets.
Lebih lanjut, secara reguler, Dewan Komisaris juga Furthermore, the Board of Commissioners also regularly
turut mengawasi kinerja Manajemen secara reguler monitors Management performance by empowering the
dengan memberdayakan organ Dewan Komisaris untuk Board of Commissioners’ organs to conduct more in-depth
melaksanakan telaah atas kinerja bisnis secara lebih study of business performance, particularly in the main
mendalam terutama pada area utama yang berkenaan areas relating to financial reports reflecting the Company's
dengan laporan keuangan yang mencerminkan kinerja business performance, business and operational risk
bisnis Perseroan, manajemen risiko bisnis dan operasional, management, implementation of good governance and
pelaksanaan tata kelola yang baik serta kinerja sumber daya human resource performance in the Company's organization.
manusia dalam organisasi Perseroan. Hasil telaah tersebut The study’s findings are then presented to the Board of
kemudian dibawa ke dalam rapat reguler Dewan Komisaris Directors and Commissioners during their regular meetings
dan Dewan Direksi untuk mendapatkan informasi lebih lanjut in order to get more details from the Top Management.
dari Top Management.
Pada prinsipnya Dewan Komisaris mengawasi dengan Fundamentally, the Board of Commissioners carefully
seksama kinerja bisnis melalui dua kegiatan utama dalam monitors business performance through two main activities
bisnis asuransi yaitu hasil underwriting dan hasil kelolaan in the insurance business, such as, underwriting results
investasi. Pengawasan kinerja tersebut dilakukan mulai dari and investment management results. The performance
proses perencanaan dan realisasi gross premium written, supervision is conducted from the planning process and the
underwriting results, serta hasil pengelolaan portofolio realization of gross premium written, underwriting results,
investasi dan laba bersih perusahaan secara berkala, as well as investment portfolio management results and the
termasuk pemantauan melalui ukuran-ukuran kinerja usaha company's net profit on a regular basis, including monitoring
perasuransian. Dewan Komisaris dengan seksama juga through insurance business performance measures. The
mempertimbangkan faktor ekonomi keuangan domestik dan Board of Commissioners also carefully considers domestic
internasional sebagai driving forces dalam implementasi and international economic and financial factors as driving
strategi serta langkah-langkah taktis yang diputuskan oleh forces in implementing strategic and tactical steps decided
Direksi dalam mempertahankan kinerja bisnis Perseroan. by the Board of Directors in maintaining the Company's
business performance.
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Secara umum, kinerja Perseroan mengalami peningkatan The Company's performance generally showed a steady
yang stabil dengan proporsi penghasilan bisnis yang masih increase with the proportion of business income still
mengandalkan premi dari bisnis korporasi. Komposisi dependent on premiums from corporate business.
tersebut memiliki risiko instabilitas yang tinggi manakala This composition presents a high risk of instability in
terjadi ketidakberlanjutan bisnis. Perseroan dengan case of unsustainable business. As the Company, with
klien korporat tertentu memandang perlunya pencapaian certain corporate clients, recognizes the need to achieve
keberlanjutan pertumbuhan penghasilan bisnis yang sehat, sustained healthy growth in business income, the Board of
Dewan Komisaris memberikan rekomendasi agar Perseroan Commissioners recommended that the Company increase
dapat meningkatkan penghasilan bisnis dari sektor business income from the retail sector. As a result, the
ritel. Untuk mendukung hal tersebut, Dewan Komisaris Board of Commissioners believes that it is necessary to
memandang perlu meningkatkan dukungan teknologi improve information technology support that is strong,
informasi yang kuat, terintegrasi dan andal. Penerapan integrated and reliable. The application of information
teknologi informasi tersebut nantinya tidak hanya akan technology will not only provide space for healthy growth
menyediakan ruang tumbuh yang sehat bagi Perseroan for the Company but will also become a fundamental
namun juga akan menjadi fundamental yang sangat determinant for the development and strengthening of the
menentukan bagi pengembangan dan penguatan tingkat Company's competitive level in the insurance industry.
kompetitif Perseroan dalam industri asuransi.
Beberapa catatan penting terkait kebijakan mendasar di Some important remarks related to fundamental policies
tahun 2023 akan menjadi dasar bagi Dewan Komisaris in 2023 will be the basis for the Board of Commissioners
untuk mendorong perkembangan Perseroan ke depan. to encourage the development of the Company in the
Dewan Komisaris memberikan apresiasi terhadap kinerja, coming years. The Board of Commissioners expresses
komitmen, dan dedikasi yang telah diperlihatkan Direksi its appreciation for the performance, commitment and
sepanjang tahun 2023 serta mengapresiasi upaya Direksi dedication shown by the Board of Directors throughout
dan seluruh jajarannya dalam mengantisipasi tantangan dan 2023 and appreciates the efforts of the Board of Directors
perkembangan bisnis ke depan. and all staff in anticipating future business challenges
and developments.
Dewan Komisaris menilai Perseroan telah menjalankan The Board of Commissioners evaluates that the Company
bisnisnya sesuai dengan rencana kerja tahunan, visi dan has carried out its business in accordance with the annual
misi, serta arahan strategis dari Pemegang Saham. Melalui work plan, vision and mission, as well as strategic guidance
pengamatan cermat terhadap kondisi makro ekonomi, from Shareholders. By carefully observing macroeconomic
perubahan lingkungan usaha serta perubahan perilaku conditions, changes in the business environment and
dan kebutuhan konsumen, Perseroan cukup mampu changes in consumer behaviour and needs, the Company
beradaptasi dan menerapkan strategi yang relevan sesuai is able to adapt and implement relevant strategies in
perkembangan terkini. accordance with the latest developments.
Mekanisme dan Frekuensi Pemberian Nasihat kepada Direksi
Mechanism and Frequency of Providing Advice to the Board of Directors
Dewan Komisaris menjalankan fungsi pengawasan melalui The Board of Commissioners carries out its supervisory
beberapa mekanisme komunikasi dan juga pendalaman function through several communication mechanisms and
materi terhadap suatu topik tertentu. Pada prinsipnya also in-depth study of material on certain topics. In principle,
pertemuan antara Dewan Komisaris dan Direksi dalam the Board of Directors and the Board of Commissioners
rapat formal rutin setidaknya empat kali dalam setahun should hold formal meetings on a regular basis, at least
merupakan momen saling bertukar informasi untuk four times a year, during which they exchange information
mengurangi informasi asimetris dalam Perseroan. to reduce asymmetric information within the Company.
Pengawasan dilaksanakan oleh Dewan Komisaris secara Supervision is carried out by the Board of Commissioners
berkala dengan memantau serta menelaah data yang periodically by monitoring and reviewing the data submitted
disampaikan oleh Direksi kepada Dewan Komisaris. by the Board of Directors to the Board of Commissioners.
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Penyampaian nasihat dan rekomendasi diberikan secara The Board of Commissioners shall formally send
formal melalui surat Dewan Komisaris kepada Direksi letters to the Board of Directors providing advice and
atas topik-topik tertentu yang dinilai krusial oleh Dewan recommendations on several issues which the Board of
Komisaris. Penyampaian nasihat secara tertulis tersebut Commissioners deemed crucial. The submission of written
selalu didahului dengan pendalaman materi oleh komite advice is always initiated with in-depth study of the material
Dewan Komisaris yang kemudian secara bertahap dibahas by a committee of the Board of Commissioners, which is
sampai pada tingkat rapat Dewan Komisaris sebelum then progressively discussed at the level of the Board of
kemudian dibawa ke rapat Dewan Komisaris dan Direksi. Commissioners meetings before being presented to the
Board of Commissioners and Board of Directors meeting.
Sepanjang tahun 2023, Dewan Komisaris telah Throughout 2023, the Board of Commissioners has
melaksanakan rapat Dewan Komisaris mengundang Direksi conducted meetings by inviting the Board of Directors 11
sebanyak 11 (sebelas) kali, dengan tingkat kehadiran Dewan (eleven) times, with the overall attendance rate of 100%.
Komisaris dalam rapat secara keseluruhan adalah 100%. In addition, the organs of the Board of Commissioners,
Selain itu, organ Dewan Komisaris yaitu Komite Audit, Komite namely the Audit Committee, Nomination and Remuneration
Nominasi dan Remunerasi, serta Komite Pemantau Risiko Committee, and Risk Monitoring Committee also held
juga melakukan rapat dengan mengundang Direktorat dan meetings by inviting relevant Directorates and Divisions to
Divisi terkait untuk membahas bidang-bidang yang menjadi discuss the areas of responsibility of each Committee.
tanggung jawab masing-masing Komite.
Pandangan atas Prospek Usaha yang Disusun oleh Direksi
Opinions on Business Prospects Prepared by the Board of Directors
Seperti dikutip dari laporan yang dirilis Bank Indonesia, As quoted from a report released by Bank Indonesia, inflation
inflasi tahun 2024 diperkirakan berada dalam rentang in 2024 is predicted to be within the range of 2.5+1%. The
sasaran 2,5+1%. Perkiraan ini utamanya didorong oleh main influences of this forecast are the anticipated gradual
permintaan domestik yang masih akan membaik secara improvement in domestic demand, the anticipated limited
gradual, dampak harga global ke domestik yang terbatas, influence of global prices on domestic prices, inflation
serta ekspektasi inflasi dan nilai tukar yang terjaga. expectations, and a stable currency rate. Bank Indonesia's
Kebijakan moneter Bank Indonesia akan tetap konsisten monetary policy will remain consistent in managing inflation
dalam mengelola ekspektasi inflasi sesuai sasaran. Selain expectations according to targets. In addition, Bank
itu, Bank Indonesia akan terus memperkuat koordinasi dan Indonesia will continue to enhance its coordination and
sinergi dalam pengendalian inflasi antara Bank Indonesia synergy in controlling inflation between Bank Indonesia and
dan Pemerintah (Pusat dan Daerah) dalam Tim Pengendalian the Government (Central and Regional) within the Central
Inflasi Pusat dan Daerah (TPIP dan TPID) melalui penguatan and Regional Inflation Control Teams (TPIP and TPID) through
Gerakan Nasional Pengendalian Inflasi Pangan (GNPIP) di strengthening the National Food Inflation Control Movement
berbagai daerah. (GNPIP) in various regions.
Dewan Komisaris memandang bahwa tahun 2024 masih The Board of Commissioners believes that 2024 will still be
menjadi tahun yang penuh tantangan dalam rangka upaya a challenging year to boost economic growth. Therefore, the
meningkatkan pertumbuhan ekonomi. Untuk itu, Dewan Board of Commissioners provides strategic guidance through
Komisaris memberikan arahan strategis melalui Rencana the five-year Company Long Term Plan (RJPP) which outlines
Jangka Panjang Perusahaan (RJPP) lima tahunan yang the overall goals the company will gradually accomplish.
memuat rancangan umum hal-hal yang akan dicapai The scope of the RJPP includes the Company's revenue
Perseroan secara bertahap. Cakupan RJPP termasuk target which is reinforced by the design of the organisation
diantaranya adalah target pendapatan Perseroan yang and the quality of its human resources. Referring to the
disokong oleh rancangan organisasi beserta kualitas SDM RJPP, the Board of Commissioners conducts annual periodic
pendukungnya. Mengacu pada RJPP tersebut, Dewan monitoring and supervision through the preparation and
Komisaris melaksanakan pemantauan dan pengawasan implementation of the Company's Work Plan and Budget. The
berkala tahunan melalui penyusunan dan pelaksanaan monitoring takes place every three months or less. Based on
Rencana Kerja dan Anggaran Perusahaan. Frekuensi these monitoring results, the Board of Commissioners can
pengawasan dilakukan dalam tiga bulanan atau kurang assess Management's achievements in anticipating future
dari itu. Berdasarkan hasil-hasil pemantauan tersebut business prospects.
Dewan Komisaris menilai pencapaian Manajemen dalam
mengantisipasi prospek usaha di masa mendatang.
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Pandangan Dewan Komisaris Terhadap Tata Kelola Perusahaan
The Board of Commissioners' Opinion on Corporate Governance
Dewan Komisaris senantiasa memonitor perkembangan The Board of Commissioners always monitors developments
penerapan tata kelola perusahaan secara optimal. Sebagai in the implementation of optimal corporate governance.
entitas usaha, PT Asuransi Tugu Pratama Indonesia Tbk As a business entity, PT Asuransi Tugu Pratama Indonesia
memiliki komitmen yang tinggi untuk menerapkan prinsip- Tbk is highly committed to implementing Good Corporate
prinsip Good Corporate Governance (GCG) dengan tujuan Governance (GCG) principles with the aim of maintaining
untuk menjaga pertumbuhan bisnis yang berkesinambungan sustainable business growth amid increasingly dynamic
dalam menghadapi persaingan bisnis yang semakin dinamis. business competition. The implementation of corporate
Penerapan tata kelola perusahaan di Tugu Insurance didasari governance at Tugu Insurance is based on solid integrity
oleh integritas yang kokoh sehingga prinsip-prinsip tata and therefore the principles of corporate governance are
kelola perusahaan terimplementasi di seluruh tingkatan implemented at all levels and in all activities of the Company.
dan di seluruh aktivitas Perseroan. Penerapan prinsip tata It is believed that by putting these governance principles into
kelola tersebut diyakini dapat berpengaruh pada kinerja practice, the Company's operational performance will be able
operasional Perseroan yang berjalan secara konsisten dan to operate more reliably and sustainably.
berkesinambungan.
Dewan Komisaris dan Direksi memegang peranan penting The Board of Commissioners and Directors play an important
dalam penerapan tata kelola di lingkungan Perseroan. Oleh role in implementing governance within the Company.
karena itu, seluruh jajaran Dewan Komisaris dan Direksi Therefore, the Integrity Pact document is consistently signed
menandatangani dokumen Pakta Integritas secara rutin every year by all levels of the Board of Commissioners
setiap tahunnya. Pakta Integritas ini merupakan pernyataan and Directors. This Integrity Pact is a statement regarding
mengenai pemberlakuan Pedoman Sistematika Etika the implementation of the Systematic Guidelines for
Usaha dan Tata Perilaku Perusahaan (Code of Conduct) Business Ethics and Code of Conduct as a commitment to
sebagai komitmen dalam mengimplementasikan tata kelola implementing Governance consistently. In addition, there is
secara konsisten. Selain itu terdapat juga Pakta Integritas also the Conflict of Interest Integrity Pact and the Anti-Bribery
Conflict of Interest dan Pakta Integritas Sistem Manajemen Management System Integrity Pact (SMAP) to further assist
Anti Penyuapan (SMAP) sebagai dukungan pelaksanaan on the governance implementation.
tata kelola.
Sebagai wujud dan kesadaran Perseroan terhadap kebutuhan As a form of the Company's awareness of the need
pengembangan etika dan perilaku bersih maka Direksi to develop ethics and professional behavior, the
dan Dewan Komisaris Perseroan mengeluarkan Pedoman Company's Directors and Board of Commissioners issued
Whistleblowing System (WBS) yang diberlakukan melalui Whistleblowing System (WBS) Guidelines which were
penerbitan Surat Keputusan Direksi No. 06/SKD/06/ERL- implemented through the issuance of Directors' Decree No.
ATPI/II/2022 tanggal 21 Februari 2022. Pedoman WBS 06/SKD/06/ERL-ATPI/II/2022 dated 21 February 2022.
merupakan panduan pelaporan yang mengatur tindakan The WBS Guidelines regulate actions that can be categorized
yang dapat dikategorikan sebagai pelanggaran, pengelolaan as violations, management of reporting mechanisms,
mekanisme pelaporan, tata cara dan syarat-syarat pelaporan, reporting procedures and requirements, reporting follow-up
mekanisme tindak lanjut pelaporan, evaluasi atas tindak mechanisms, evaluation of follow-up reporting, protection
lanjut pelaporan, perlindungan jaminan pelapor dan terlapor, for the whistleblower and the reported party, as well as
serta publikasi maupun sosialisasi perihal WBS. publication and socialization regarding WBS.
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WBS merupakan mekanisme kontrol Dewan Komisaris dalam The Board of Commissioners uses the Whistleblowing
menilai efektivitas komunikasi pada organisasi terutama System (WBS) as a control mechanism to evaluate the
dalam komunikasi visi dan kebijakan Perseroan oleh effectiveness of communications in the organization,
Direksi kepada para pekerja di Perseroan. Dewan Komisaris particularly in communicating the Company's vision and
menerima informasi melalui WBS dari para pekerja terkait policies by the Board of Directors to workers in the Company.
hal-hal yang belum tercapai kesepakatan penyelesaiannya The Board of Commissioners always receives information
dengan manajemen perusahaan. Dalam hal ini, Dewan through the WBS when there are issues from employees
Komisaris melakukan komunikasi dengan para pihak that have not been settled with company management. In
terkait guna menuntaskan permasalahan yang ada secara this instance, the Board of Commissioners collaborates with
berimbang. Dewan Komisaris mempertimbangkan dengan related parties to resolve current issues in a balanced way.
seksama dalam pemberian nasihat kepada Direksi untuk The Board of Commissioners will carefully consider providing
memberikan solusi terbaik atas isu atau permasalahan yang advice to the Board of Directors to find the best solution to
menjadi topik dalam WBS. issues or problems that are topics in the WBS.
Selama tahun 2023, Dewan Komisaris turut terlibat dalam In 2023, the Board of Commissioners was involved in
pengawasan dan pelaporan jika terjadi fraud pada tahun supervising and reporting if fraud occurs, which basically
berjalan, yang pada dasarnya meliputi prosedur pencegahan, includes procedures for prevention, detection and
deteksi dan identifikasi, investigasi dan pelaporan, hingga identification, investigation and reporting, as well as
evaluasi dan tindak lanjut. evaluation and follow-ups.
Penilaian Kinerja Komite di Bawah Dewan Komisaris
Performance Assessment of Committees Under the Board of Commissioners
Dukungan terhadap fungsi pengawasan Dewan Komisaris Support for the supervisory function of the Board of
dioptimalkan oleh dibentuknya 3 (tiga) komite di bawah Commissioners is optimized by the formation of 3 (three)
Dewan Komisaris, yaitu Komite Audit, Komite Pemantau committees under the Board of Commissioners, namely the
Risiko, serta Komite Nominasi dan Remunerasi. Keberadaan Audit Committee, the Risk Monitoring Committee, and the
komite-komite tersebut telah sesuai dengan ketentuan Nomination and Remuneration Committee. The existence
yang berlaku serta bertujuan untuk menyempurnakan of these committees is in accordance with applicable
implementasi prinsip-prinsip GCG. regulations and aims to improve the implementation of
GCG principles.
Dewan Komisaris melaksanakan komunikasi secara berkala The Board of Commissioners communicates regularly
dengan para komite terutama dalam hal yang berkaitan with the committees, especially in matters relating to the
dengan pokok-pokok pengawasan kinerja bisnis Perseroan. supervision of the Company's business performance.
Komite Dewan Komisaris menetapkan Program Kerja di The Board of Commissioners committees determine
awal tahun berjalan untuk dibahas secara bersama dengan Work Programs at the beginning of the current year to be
komite lainnya yang kemudian disampaikan kepada Dewan discussed jointly with other committees which are then
Komisaris. Pertemuan berkala sesuai dengan kesepakatan submitted to the Board of Commissioners. To monitor each
komite dilaksanakan untuk memantau perkembangan committee's Work Program's progress, regular meetings are
Program Kerja masing-masing komite. Berdasarkan arranged in compliance with the committee agreement. The
pencapaian Program Kerja tersebut, Dewan Komisaris dapat performance of the Board of Commissioners' committees
melakukan penilaian kinerja komite Dewan Komisaris. can be evaluated by the Board of Commissioners based on
the results of the Work Program.
Selama tahun 2023, Dewan Komisaris menilai ketiga For 2023, the Board of Commissioners assessed that
komite tersebut telah melaksanakan fungsinya dengan the three committees have carried out their functions
baik serta memberikan pendapat dan saran kepada Dewan properly and provided opinions and suggestions to the
Komisaris dalam menjalankan fungsi pengawasan terhadap Board of Commissioners in conducting their supervisory
pengelolaan Perseroan. Dewan Komisaris mengapresiasi function over the management of the Company. The Board
kinerja ketiga Komite dalam menjalankan tugas dan fungsi of Commissioners appreciates the performance of three
sesuai dengan Piagam Komite. Committees in fulfilling their responsibilities and functions in
line with the Committee Charter.
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Perubahan Komposisi Dewan Komisaris
Changes in the Composition of the Board of Commissioners
Di tahun 2023, Perseroan mengalami perubahan komposisi Changes in the Composition of the Board of Commissioners
Dewan Komisaris berdasarkan Keputusan Rapat Umum in 2023, the Company changed the composition of the Board
Pemegang Saham Tahunan (RUPST) tanggal 28 April 2023. of Commissioners based on the Annual GMS Resolution
Kronologi perubahan komposisi Dewan Komisaris sepanjang dated 28 April 2023. The chronology of changes in the
tahun 2023 dapat dilihat sebagai berikut: composition of the Board of Commissioners throughout
2023 is summarized as follows:
Sejak RUPST 28 April 2023
Sebelum RUPST
Nama s.d. 31 Desember 2023 Keterangan
28 April 2023
Name Since AGMS 28 April 2023 until Remarks
Prior AGMS 28 April 2023
31 December 2023
Dian Masyita Presiden Komisaris & Komisaris Presiden Komisaris & Komisaris -
Independen. Independen.
President Commissioner & President Commissioner &
Independent Commissioner. Independent Commissioner.
Amelia Kurniawan Komisaris. - Tidak lagi menjabat sebagai Komisaris sejak
Commissioner. ditutupnya RUPST 28 April 2023.
No longer serves as Commissioner since the
closing of the AGMS on 28 April 2023.
Bagus Agung Komisaris. Komisaris. -
Rahadiansyah Commissioner. Commissioner.
Adi Zakaria Afiff Komisaris Independen. - Tidak lagi menjabat sebagai Komisaris sejak
Independent Commissioner. ditutupnya RUPST 28 April 2023.
No longer serves as Commissioner since the
closing of the AGMS on 28 April 2023.
Samuel Lie - Komisaris. Diangkat sebagai Komisaris berdasarkan
(Samuel Ramna) Commissioner. keputusan RUPST 28 April 2023. Beliau telah
lulus penilaian Kemampuan dan Kepatutan
Otoritas Jasa Keuangan (OJK) berdasarkan
Keputusan Dewan Komisioner No. KEP-41/
KDk.05/2023 tanggal 4 Desember 2023.
Appointed as Commissioner based on the
resolution of the AGMS 28 April 2023. He has
passed the Fit and Proper Test of the Financial
Services Authority (OJK) based on the Decree
of the Board of Commissioners No. KEP-41/
KDk.05/2023 dated 4 December 2023.
Poerwo Tjahjono Komisaris Independen. Komisaris Independen. -
Independent Commissioner. Independent Commissioner.
Tajudin Noor - Komisaris Independen. Diangkat sebagai Komisaris Independen
Independent Commissioner. berdasarkan keputusan RUPST 28 April 2023.
Beliau telah lulus penilaian Kemampuan dan
Kepatutan Otoritas Jasa Keuangan (OJK)
berdasarkan Keputusan Dewan Komisioner No.
KEP-6/D.05/2024 tanggal 18 Januari 2024.
Appointed as Commissioner based on the
resolution of the AGMS 28 April 2023. He has
passed the Fit and Proper Test of the Financial
Services Authority (OJK) based on the Decree
of the Board of Commissioners No. KEP-
6/D.05/2024 dated 18 January 2024.
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Berdasarkan perubahan komposisi tersebut, anggota Based on the last changes in the composition, Company’s
Dewan Komisaris Perseroan per 31 Desember 2023 adalah Board of Commissioners members as of 31 December 2023
sebagai berikut: is as follows:
Nama Jabatan
Name Position
Dian Masyita Presiden Komisaris & Komisaris Independen
President Commissioner & Independent Commissioner
Bagus Agung Rahadiansyah Komisaris
Commissioner
Samuel Lie (Samuel Ramna)* Komisaris
Commissioner
Poerwo Tjahjono Komisaris Independen
Independent Commissioner
Tajudin Noor* Komisaris Independen
Independent Commissioner
*) Efektif sejak tanggal ditetapkannya hasil penilaian kemampuan dan kepatutan Otoritas Jasa Keuangan (OJK).
*) Effective from the date in which the Financial Services Authority (OJK) fit and proper test results are determined.
Penutup
Closing
Pada kesempatan ini, kami ingin menyampaikan rasa terima On this occasion, we would like to express our gratitude to
kasih kepada pemegang saham dan pemangku kepentingan shareholders and stakeholders for their trust and support.
atas kepercayaan dan dukungannya. Apresiasi terdalam We also extend our deepest appreciation to the Board of
juga ditujukan kepada Direksi, karyawan, serta mitra usaha Directors, employees, and business partners who always
yang senantiasa mendukung Perseroan untuk tumbuh dan support the Company to grow and develop. Hopefully, our
berkembang. Semoga pertumbuhan berkelanjutan yang shared goal of sustainable growth will inspire all of the
dicita-citakan bersama akan selalu mendorong semangat Company's personnel to keep pushing forward and take the
insan Perseroan untuk terus melaju menjadi yang terdepan lead in the insurance business, which will further benefit all
dalam segmen industri asuransi yang dapat memberikan parties. May God Almighty always bless us all. Amen.
manfaat lebih bagi semua pihak. Semoga Tuhan yang Maha
Kuasa senantiasa memberkati kita semua. Aamiin.
Jakarta, 5 April 2024
Atas nama Dewan Komisaris,
On behalf of the Board of Commissioners
Dian Masyita
Presiden Komisaris & Komisaris Independen
President Commissioner & Independent Commissioner
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Laporan
Direksi
Report of the Board of
Directors
Tatang Nurhidayat
Presiden Direktur
President Director
Di tahun 2023,
Tugu Insurance memfokuskan
strategi dalam menjalankan
kegiatan usaha dengan terus
melakukan inovasi produk
dan channel distribusi untuk
pengembangan bisnis non-captive
melalui penetrasi ke pasar SME,
retail dan sinergi BUMN.
In 2023, Tugu Insurance has
focused on its strategy in
performing business activities by
continuing to innovate products and
distribution channels for non-captive
business development through
market penetration into the SMEs
market, retail and SOEs synergy.
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Para Pemegang Saham dan Pemangku Kepentingan Dear Distinguished Shareholders and Stakeholders,
yang Terhormat,
Dengan berfokus menjaga pertumbuhan bisnis, pada tahun In 2023, PT Asuransi Tugu Pratama Indonesia Tbk
2023 PT Asuransi Tugu Pratama Indonesia Tbk berhasil succeeded in establishing its position as an insurance
menguatkan posisinya sebagai salah satu perusahaan company with expertise in the corporate segment and is
asuransi yang memiliki keahlian di segmen korporasi experienced in providing insurance services to various
dan berpengalaman dalam memberikan layanan asuransi large-scale oil and gas and energy projects in Indonesia by
kepada berbagai proyek migas dan energi berskala besar di focusing on sustaining its business growth. The strategies
Indonesia. Strategi-strategi yang dijalankan juga membuat implemented also enable the Company to achieve a number
Perseroan mampu meraih sejumlah target bisnisnya. of its business targets. This achievement illustrates Tugu
Pencapaian ini menggambarkan ketepatan Tugu Insurance Insurance's ability to accurately anticipating industrial
dalam mengantisipasi perkembangan industri dan situasi developments and economic situations, both at the global
perekonomian, baik di tingkat global maupun nasional. and national levels. In addition, our synergistic role with
Selain itu, peran sinergi kami dengan Pertamina Group Pertamina Group provides a strong foundation to build
menjadi salah satu fondasi kuat dalam membangun kinerja positive and sustainable business performance.
usaha yang positif dan berkelanjutan.
Tinjauan Makro Ekonomi dan Industri 2023
Macroeconomic and Industrial Review 2023
Merujuk data dari Tinjauan Kebijakan Moneter per Desember Referring to the Monetary Policy Review as of December
2023 yang dirilis Bank Indonesia, menyatakan bahwa 2023 released by Bank Indonesia, it stated that the world
perekonomian dunia melambat dengan ketidakpastian pasar economic growth was experiencing a slowdown with easing
keuangan yang mulai mereda. Bank Indonesia financial market uncertainty. Bank Indonesia predicted the
memprakirakan pertumbuhan ekonomi global tahun 2023 global economy to grow by 3.0% in 2023 and would slow
sebesar 3,0% dan melambat menjadi 2,8% pada 2024. down to 2.8% in 2024. The economic growth in the United
Pertumbuhan ekonomi Amerika Serikat (AS) dan India tahun States (US) and India is better than initially forecasted, which
2023 lebih baik dari prakiraan awal ditopang oleh konsumsi is supported by household consumption and government
rumah tangga dan ekspansi pemerintah. Sementara itu, expansion. Meanwhile, China's economy decelerated
ekonomi Tiongkok melemah seiring dengan konsumsi rumah accompanied by limited growth of household consumption
tangga dan investasi yang tumbuh terbatas. Inflasi di negara and investment. Inflation in developed countries, including in
maju, termasuk di AS, dalam kecenderungan menurun tetapi the US, is declining but remains above the target level.
tingkatnya masih di atas sasaran.
Di sisi lain, perekonomian Indonesia tetap tumbuh On the other hand, Indonesia's economy continued to
baik didukung oleh permintaan domestik. Konsumsi grow steadily supported by domestic demand. Household
rumah tangga dan investasi tetap tumbuh sejalan dengan consumption and investment continued to increase in line
keyakinan masyarakat dan berlanjutnya penyelesaian with public confidence and the continued completion of
Proyek Strategis Nasional (PSN). Perkembangan ini National Strategic Projects (PSN). This development was
dikonfirmasi oleh sejumlah indikator utama hingga bulan confirmed by a number of key indicators until December
Desember 2023, seperti keyakinan konsumen, penjualan 2023, such as consumer confidence, retail sales, and
eceran, dan Purchasing Managers' Index (PMI) Manufaktur. Manufacturing Purchasing Managers' Index (PMI). In
Sementara itu, kinerja ekspor cenderung lebih baik, seiring contrast, export performance seems to be improving, in line
dengan peningkatan permintaan beberapa mitra dagang with increased demand from several top trading partners,
utama, seperti AS dan India. such as the US and India.
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Di tengah iklim usaha dengan berbagai tantangan di tahun Despite a challenging business environment in 2023, Tugu
2023, Tugu Insurance dapat melewati situasi ini dengan Insurance managed to achieve a very excellent financial
mencatatkan pertumbuhan kinerja keuangan yang sangat performance growth. Its insurance business, investment
memuaskan baik yang ditopang dari bisnis asuransi, income, and other operating revenues are the primary
pendapatan investasi maupun pendapatan usaha lainnya. factors of its growth. However, we continue to monitor
Namun demikian, kami tetap memantau kondisi ekonomi global economic conditions, geopolitics, and the domestic
global, geopolitik, dan iklim politik di dalam negeri menjelang political climate leading up to the 2024 elections and
pemilu di tahun 2024 serta dampaknya ke dalam negeri their impact on the country in making business plans
dalam membuat perencanaan bisnis dengan manajemen with prudent risk management. By prioritizing these two
risiko yang prudent dan tata kelola perusahaan yang baik. components, strengthening collaboration and business
Dengan mengedepankan kedua hal tersebut ditambah synergy within the Pertamina Group, as well as continuing
dengan penguatan kolaborasi maupun sinergi bisnis di to actively improve market penetration into the State-Owned
lingkungan Pertamina Group serta terus secara aktif untuk Enterprises (SOEs), Small Medium Enterprises (SMEs),
meningkatkan penetrasi ke pasar Badan Usaha Milik Negara and retail markets, we are committed to achieving positive,
(BUMN), Small Medium Enterprise (SME), dan retail, kami stable and sustainable business growth and development in
fokus untuk meraih pertumbuhan dan pengembangan line with the expectations of shareholders and benefits for
bisnis yang positif, stabil dan berkelanjutan sesuai all stakeholders.
dengan harapan shareholders maupun kemanfaatan untuk
segenap stakeholders.
Kendala yang Dihadapi dan Upaya Penanganannya
Problems Faced and Its Solutions
Iklim perekonomian makro maupun mikro di sepanjang tahun The macro and micro economic climate throughout
2023 bergerak secara dinamis, hal tersebut menimbulkan 2023 were dynamic, this brings particular challenges
tantangan tersendiri selaras dengan dampak kinerja considering the impact of corporate performance on each
korporasi pada masing-masing segmen usaha, tak terkecuali business segment, including the insurance business
segmen usaha perasuransian di Indonesia. Namun demikian, segment in Indonesia. However, in 2023 there were no
di tahun 2023 tidak terdapat kendala dan tantangan yang material problems and challenges that had a significant
bersifat material yang berdampak secara signifikan baik impact on both financial and operational performance of
secara kinerja keuangan maupun kinerja operasional Tugu Insurance.
Tugu Insurance.
Di sisi lain, dengan adanya peraturan terkait dengan On the other hand, following the regulations of the
kewajiban penerapan PSAK 117 yang wajib dilaksanakan requirement to implement PSAK 117 which must be
pada tahun 2025, maka Tugu Insurance di tahun 2023 implemented in 2025, thus, in 2023 Tugu Insurance
semakin fokus memperkuat infrastruktur termasuk IT dan has become even more focused on strengthening its
memperbaiki proses bisnis dan mempersiapkan sistem yang infrastructure, including IT and improving business processes
dapat mendukung proses dan penyajian laporan keuangan and preparing systems to facilitate the process and
sesuai dengan standar PSAK 117 sehingga nantinya presentation of financial reports in accordance with PSAK
pada saat proses migrasi dapat berjalan mulus di tahun 117 standards. Therefore, the migration process shall run
2025. Di tahun 2023, Tugu Insurance juga fokus dalam smoothly in 2025. In 2023, Tugu Insurance also focused on
mempersiapkan pemisahaan Unit Usaha Syariah sesuai preparing for the spin off of the Sharia Business Unit which
Peraturan Otoritas Jasa Keuangan (OJK) No. 11 Tahun 2023. is in accordance with Financial Services Authority (OJK)
OJK telah menetapkan batas waktu pemisahan atau spin off Regulation No. 11 of 2023. OJK has set a deadline for the
unit usaha syariah (UUS) adalah 31 Desember 2026. separation or spin off of sharia business unit (UUS) on 31
December 2026.
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Aktivitas utama Perseroan di tahun 2023 adalah The main activities in 2023 for the Company was to carry out
menjalankan kegiatan operasional untuk menghasilkan operational activities to generate premiums and underwriting
premi dan hasil underwriting serta meningkatkan pelayanan income and improve services to customers in accordance
kepada pelanggan sesuai dengan RKAP 2023 yang telah with the established 2023 RKAP. In 2023 the Company also
ditetapkan. Untuk memenuhi kebutuhan pelanggan, di tahun released several new insurance products, both from the
2023 Perseroan juga telah merilis beberapa produk asuransi corporate segment and the retail segment (conventional and
baru, baik dari segmen korporasi dan segmen retail (produk sharia insurance products) to fullfill customers’ needs.
asuransi konvensional dan syariah).
Peran Direksi dalam Penerapan Kebijakan Strategis
The Role of the Board of Directors in Implementing Strategic Policy
Direksi beserta jajaran senantiasa berkomitmen untuk The Board of Directors and staff are always committed to
fokus terhadap kebijakan strategis yang telah tertuang focusing on the strategic policies stated in the Company's
dalam rencana bisnis dan target Perseroan. Perumusan business plan and targets. The formulation of the Company's
strategi Perseroan diawali dengan adanya planning cycle strategy begins with a planning cycle that involves all
yang melibatkan seluruh fungsi struktural di bawah Direksi. structural functions under the Board of Directors. At the
Di awal tahun dilakukan sosialisasi strategi dan target beginning of the year, the Company's strategy and targets
Perseroan melalui town hall meeting kepada seluruh were disseminated through a town hall meeting to all
insan Tugu. Dalam pelaksanaannya, dilakukan monitoring Tugu personnels. In its implementation, regular monitoring
berkala pencapaian kinerja Perseroan melalui pembuatan of the Company's performance achievements is carried
laporan keuangan, laporan manajemen, presentasi kinerja, out by producing financial reports, management reports,
serta menyajikan financial highlight Perseroan pada digital performance presentations, as well as presenting the
signage pada TV digital yang dapat diakses oleh seluruh Company's financial highlights on digital signage on digital
insan Perseroan. TV accessible to all Company personnel.
Untuk memastikan kebijakan strategi berjalan baik, Direksi To ensure that strategic policies operate properly, the
melakukan mid year review untuk mengevaluasi pencapaian Board of Directors conducted a mid-year review to evaluate
kinerja dan strategi perusahaan di tengah tahun, dan the Company's mid-year performance and strategy
mengambil langkah strategis dan mitigasi risiko yang achievements, and took strategic steps and risk mitigation
diperlukan untuk mengupayakan pencapaian target hingga as needed to achieve targets by the end of the year. The
akhir tahun. Direksi juga melakukan Performance Dialogue Board of Directors also conducted quarterly Performance
triwulanan untuk memastikan keselarasan strategi di anak Dialogues to ensure strategic alignment in subsidiaries and
perusahaan dan memonitor kinerja anak perusahaan. monitor subsidiary performance.
Di tahun 2023, Tugu Insurance memfokuskan strategi dalam In 2023, Tugu Insurance has focused on its strategy in
menjalankan kegiatan usaha dengan terus melakukan performing business activities by continuing to innovate
inovasi produk dan channel distribusi untuk pengembangan products and distribution channels for non-captive business
bisnis non-captive melalui penetrasi ke pasar SME, retail dan development through market penetration into the SMEs
sinergi BUMN. market, retail and SOEs synergy.
Untuk memastikan kesiapan perusahaan dalam To ensure that the Company is well-prepared to implement
implementasi penerapan PSAK 117 yang akan berlaku PSAK 117 which will become effective in 2025, Tugu
efektif di tahun 2025, Tugu Insurance telah melakukan gap Insurance has conducted a gap analysis and has been
analysis dan telah melaksanakan proyek sistem Enterprise implemented an Enterprise Resource Planning (ERP) system
Resource Planning (ERP) sejak tahun 2021. Upaya ini project since 2021. This effort is expected to minimize the
diharapkan akan memperkecil dampak dari penerapan impact of implementing PSAK 117 on the Company. Tugu
PSAK 117 nantinya terhadap Perseroan. Tugu Insurance Insurance also continues its digital transformation program
juga terus melanjutkan program transformasi digital untuk to simplify the Company's business processes.
penyederhanaan proses bisnis Perseroan.
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Salah satu strategi yang dilakukan dalam upaya peningkatan One of the strategies implemented in an effort to improve
kinerja keuangan Perseroan adalah melalui peningkatan the Company's financial performance is by increasing the
kinerja portofolio investasi berupa aset keuangan dan performance of the investment portfolio in the form of
penyertaan langsung di anak usaha. financial assets and direct investment in subsidiaries.
Kinerja Tahun 2023 dan Perbandingannya terhadap Target
Performance in 2023 and Comparison to Target
Sepanjang tahun 2023 iklim usaha nasional memang Throughout 2023, the national business climate faced
dipenuhi dengan berbagai tantangan, namun hal itu tak various challenges, but this did not diminish the Company's
menyurutkan kinerja usaha Perseroan yang senantiasa business performance, which continues to move positively.
bergerak positif. Segenap manajemen berhasil menerapkan The entire management successfully implemented the right
strategi dan inisiatif yang tepat sehingga Perseroan berhasil strategies and initiatives so that the Company succeeded
membukukan pencapaian secara optimal dan berkelanjutan. in recording optimal and sustainable achievements. In
Dalam penetapan RKAP, Tugu Insurance senantiasa determining the RKAP, Tugu Insurance always strengthens
memperkuat fondasi bisnis melalui kebijakan strategis yang the business foundation through strategic policies that are
tepat sasaran. target appropriate.
Di tahun 2023, Tugu Insurance mencatatkan pertumbuhan In 2023, Tugu Insurance recorded growth in underwriting
hasil underwriting sebesar 4,19%, yaitu dari Rp670,4 miliar income of 4.19%, from IDR670.4 billion in 2022, to
di tahun 2022, menjadi Rp698,5 miliar di tahun 2023. IDR698.5 billion in 2023. This amount is 88.2% of the
Jumlah tersebut adalah 88,2% dari target RKAP Perseroan Company's RKAP target, which is IDR791.9 billion. The
yaitu sebesar Rp791,9 miliar. Kontribusi terbesar dari largest contribution to this achievement came from the fire,
capaian tersebut berasal dari segmen bisnis kebakaran, marine cargo, and offshore business segments.
pengangkutan, dan offshore.
Dari aktivitas pengelolaan investasi, Tugu Insurance juga From investment management activities, Tugu Insurance also
mencatatkan peningkatan pendapatan investasi yang sangat recorded a very satisfactory increase in investment income,
memuaskan yaitu meningkat sebesar 64,5% dari Rp352,4 namely increased by 64.5% from IDR352.4 billion in 2022,
miliar di tahun 2022, menjadi Rp579,8 miliar di tahun 2023. to IDR579.8 billion in 2023. This amount is 168.8% of
Jumlah tersebut adalah 168,8% dari target RKAP Perseroan the Company's RKAP target, which amounting to IDR343.4
yaitu sebesar Rp343,4 miliar. Kenaikan jumlah pendapatan billion. The increase in total investment income was due to
investasi disebabkan oleh peningkatan hasil investasi dari an increase in investment returns from deposits by 158.1%
deposito sebesar 158,1% seiring dengan peningkatan in line with the higher nominal placement of funds and also
nominal penempatan dana dan juga trend kenaikan suku the upward trend in bank interest rates, bond investment
bunga bank, hasil investasi obligasi yang tumbuh sebesar returns which increased by 76.1% and also shares income
76,1% dan juga pendapatan saham yang bertumbuh which was boosted to 77.1%.
sebesar 77,1%.
Pendapatan usaha lainnya juga bertumbuh dari Rp398,7 Other operating income also increased from IDR398.7
miliar di tahun 2022 menjadi Rp402,1 miliar di tahun billion in 2022 to IDR402.1 billion in 2023. Additionally,
2023. Selain itu, Perseroan juga mencatatakan peningkatan the Company also recorded a significant increase in other
pendapatan lain-lain yang cukup signifikan yaitu sebesar income of 871.9% from IDR108.5 billion to IDR1.1 trillion
871,9% dari 108,5 miliar menjadi Rp1,1 triliun yang which was mainly due to the Company recorded litigation
terutama disebabkan Perseroan mencatatkan pendapatan income from winning the litigation case against Citibank N. A
litigasi sehubungan dengan Perseroan memenangkan kasus in the Hong Kong Administrative Court.
litigasi dengan Citibank N. A di Pengadilan Administrasi
Hong Kong.
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Pencapaian-pencapaian tersebut berkontribusi pada These achievements contributed to the increase in income
peningkatan laba tahun berjalan sebesar 229,6% dari for the year by 229.6% from IDR395.1 billion in 2022 to
Rp395,1 miliar di tahun 2022 menjadi Rp1,3 triliun di IDR1.3 trillion in 2023.
tahun 2023.
Perbandingan antara target dan pencapaian tersebut The comparison between targets and achievements is one
menjadi salah satu gambaran yang dipertimbangkan of the illustrations to be considered in preparing targets and
dalam penyusunan target dan strategi bisnis ke depan. future business strategies. Supported by its capacity and
Didukung oleh kapasitas serta prospek yang dimiliki, prospects, the Company is optimistic that it will be able to
Perseroan optimis untuk dapat meraih kinerja unggul secara achieve sustainable superior performance in the future.
berkelanjutan di masa mendatang. Analysis of Business Prospects
Analisa Tentang Prospek Usaha
Analysis of Business Prospects
Merujuk pada data Laporan Kelembagaan Bank Indonesia Referring to the data from Bank Indonesia Institutional
Triwulan IV 2023, merilis bahwa pada 2024 pertumbuhan Report for the fourth quarter of 2023, it was released that
ekonomi diprakirakan meningkat dalam kisaran 4,7-5,5% in 2024 economic growth is predicted to increase in the
didukung oleh menguatnya permintaan domestik seiring range of 4.7-5.5% driven by strengthening domestic demand
dengan pertumbuhan konsumsi dan dampak positif as well as consumption growth and the positive impact of
penyelenggaraan pemilu. Peningkatan investasi, khususnya the elections. Increased investment, especially in buildings,
bangunan, sejalan dengan berlanjutnya pembangunan Proyek is in line with the continued development of the National
Strategis Nasional (PSN) termasuk Ibu Kota Nusantara (IKN) Strategic Project (PSN) including Nusantara Capital City
juga turut mendukung peningkatan pertumbuhan ekonomi. (IKN) which also supports increased economic growth. At
Sementara itu, kinerja ekspor diprakirakan belum kuat the same time, export performance is expected to remained
sebagai dampak perlambatan ekonomi global dan penurunan weak due to the global economic recession and the decline
harga komoditas. in commodity prices.
Berdasarkan Lapangan Usaha (LU), prospek Industri By Business Field (LU), prospects for Manufacturing Industry,
Pengolahan, Perdagangan Besar dan Eceran, Informasi dan Wholesale and Retail Trade, Information and Communication,
Komunikasi, Konstruksi, serta Transportasi dan Pergudangan Construction, as well as Transportation and Warehousing
diprakirakan tetap tumbuh baik. Sementara secara spasial, are predicted to continously grow steadily. While all regions
pertumbuhan yang baik diprakirakan terjadi di seluruh are expected to see strong spatial growth, especially in
wilayah, terutama Sulawesi-Maluku-Papua (Sulampua) Sulawesi-Maluku-Papua (Sulampua) in line with the positive
sejalan dengan dampak positif hilirisasi mineral, serta Jawa impact of mineral downstreaming, as well as Java due to
akibat permintaan domestik yang masih kuat. Ke depan, strong domestic demand. Going forward, Bank Indonesia
Bank Indonesia akan terus memperkuat sinergi stimulus will continue to improve the synergy between the fiscal
fiskal Pemerintah dengan stimulus makroprudensial Bank. stimulus of the government and macroprudential stimulus of
the Bank.
Dengan kondisi ekonomi makro sebagaimana di atas, With macroeconomic conditions as mentioned above, the
Perseroan senantiasa melakukan identifikasi peluang di Company continues to identify opportunities in market
segmen market dengan melakukan update market secara segments by conducting regular market updates, market
berkala, market research serta market review baik dari sisi research and market reviews both in terms of product
pengembangan produk, segmen nasabah dan jalur distribusi development, customer segments and product marketing
pemasaran produk. Perseroan juga memadukan antara distribution channels. The Company also combines the
peluang yang ada dengan risk appetite yang dimiliki sehingga opportunities available with its risk appetite so that it
tetap mengedepankan prinsip kehati-hatian. continues to prioritize the principle of prudence.
Adapun perkembangan dari setiap segmen market terus The development of each market segment continues to show
menunjukan tren positif dengan mengoptimalkan jalur a positive trend by optimizing the Company's distribution
distribusi yang dimiliki Perseroan, dimana hal ini juga channels, which is also reflected in the Company's
tercermin di dalam laporan keuangan Perseroan. financial reports.
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Di tahun 2024, Tugu Insurance akan melanjutkan fokus In 2024, Tugu Insurance will continue its 2023 strategy
strategi tahun 2023 yaitu melakukan pengembangan bisnis focus, namely developing non-captive business from the
non-captive dari sisi korporasi yaitu bisnis BUMN dan broker corporate side, namely the SOEs and brokerage businesses
serta meningkatkan bisnis di pasar retail. Dari kedua target as well as increasing business in the retail market.
ini Tugu Insurance tetap akan mengedepankan digitalisasi. From these two targets, Tugu Insurance will continue to
prioritize digitalization.
Selain itu, di tahun 2024 Tugu Insurance juga fokus Furthermore, in 2024 Tugu Insurance will also focus on
melakukan peningkatan kinerja portofolio investasi, dan improving the performance of its investment portfolio and
kinerja anak perusahaan dan afiliasi. Sebagaimana diketahui the performance of its subsidiaries and affiliates. It is well-
bahwa Tugu Insurance memiliki beberapa anak perusahaan known that Tugu Insurance has several subsidiaries and
dan optimalisasi atas kinerja anak perusahaan ini akan optimizing the performance of these subsidiaries will greatly
sangat berpengaruh terhadap kinerja konsolidasian di influence consolidated performance in the coming year.
tahun mendatang.
Perkembangan Penerapan Tata Kelola Perusahaan
Developments in the Implementation of Corporate Governance
Tugu Insurance senantiasa terus menjunjung tinggi Tugu Insurance continues to uphold the implementation of
penerapan tata kelola perusahaan yang baik sesuai dengan good corporate governance in accordance with the principles
prinsip Good Corporate Governance (GCG) serta mengacu of Good Corporate Governance (GCG) and refers to the
pada delapan prinsip pengelolaan perusahaan, sesuai eight principles of Company management, that correspond
dengan Penerapan Pedoman Tata Kelola Perusahaan Terbuka with the Implementation of the Public Company Governance
dari Otoritas Jasa Keuangan (OJK). Tugu Insurance meyakini Guidelines from the Financial Services Authority (OJK). Tugu
bahwa tata kelola yang baik merupakan aspek utama yang Insurance believes that good governance is the main aspect
akan turut memastikan keberlangsungan perusahaan dalam that will help ensure the Company's long-term sustainability.
jangka panjang.
Penerapan GCG di Tugu Insurance bertujuan untuk The implementation of GCG at Tugu Insurance aims to
mendukung terwujudnya visi dan misi Perseroan, yang pada support the realization of the Company's vision and mission,
akhirnya akan mewujudkan kinerja yang unggul, memberikan which will ultimately accomplish superior performance,
nilai tambah dan manfaat bagi para pemegang saham providing added value and benefits for shareholders and
dan para pemangku kepentingan lainnya. Oleh karena itu, other stakeholders. Therefore, the implementation of GCG
penerapan GCG di lingkungan Perseroan bukan sekadar within the Company is not just a form of compliance with
bentuk kepatuhan terhadap peraturan perundang-undangan statutory regulations but also as a basis for operational
namun juga sebagai landasan kegiatan operasional dengan activities, by referring to the principles that have been
mengacu pada prinsip-prinsip yang telah ditetapkan di established internally at the Company.
internal Perseroan.
Dalam menjaga konsistensi, Tugu Insurance juga senantiasa In maintaining consistency, Tugu Insurance also always
melakukan pengukuran kualitas implementasi GCG yang measures the quality of GCG implementation which is
dilaksanakan secara mandiri (self-assessment) sesuai carried out independently (self-assessment) in accordance
Peraturan Otoritas Jasa Keuangan No. 73/POJK.05/2016 with Financial Services Authority Regulation No. 73/
tentang Tata Kelola Perusahaan yang Baik bagi Perusahaan POJK.05/2016 concerning Good Corporate Governance for
Perasuransian serta setiap 2 (dua) tahun sekali melakukan Insurance Companies and once every 2 (two) years conduct
assessment implementasi GCG oleh eksternal assessor. an assessment of GCG implementation by an external
Tugu Insurance juga senantiasa melakukan revitalisasi assessor. Tugu Insurance also continues to revitalize
atas pedoman-pedoman GCG dengan menyesuaikan GCG guidelines by adapting to the latest regulations and
peraturan-peraturan regulator terbaru serta secara konsisten consistently implementing an Anti-Bribery Management
menerapkan Sistem Manajemen Anti Penyuapan (SMAP) System (SMAP) in accordance with ISO 37001:2016.
sesuai dengan ISO 37001:2016.
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Perseroan telah melakukan evaluasi terhadap efektivitas The Company has evaluated the effectiveness of the
Sistem Pengendalian Internal dengan mempertimbangkan Internal Control System by considering the results of the
hasil evaluasi dan penilaian dari Internal Audit. Berdasarkan evaluation and assessment from the Internal Audit. Based
evaluasi yang dilakukan sepanjang tahun 2023, Direksi on the evaluation, the Board of Directors concludes that
menilai bahwa Perseroan telah memiliki kecukupan Sistem the Company has implemented a sufficient Internal Control
Pengendalian Internal yang diterapkan di perusahaan. System during 2023.
Membangun SDM Unggul
Developing Excellent Human Resources
Sebagai salah satu amanat misi ke dua Perseroan untuk As one of the mandates of the Company's second mission
menjadikan SDM sebagai insan profesional, Perseroan to make human resources into professionals, the Company
mengedepankan penerapan tata nilai budaya AKHLAK emphasizes the implementation of AKHLAK cultural values
sebagai ujung tombak dalam mewujudkan karyawan as the main point in transforming the Company's employees
Perseroan sebagai insan yang profesional. Perseroan into professional individuals. The Company believes that
meyakini bahwa penerapan tata nilai budaya AKHLAK the implementation of AKHLAK cultural values requires the
membutuhkan keterlibatan banyak pihak sehingga dalam involvement of many parties, thus, in its implementation the
penerapannya Perseroan menggunakan berbagai pendekatan Company uses various approaches, including but not limited
termasuk namun tidak terbatas pada memberdayakan peran to, empowering the role of leadership for its team, as well
pimpinan kepada timnya, maupun memberdayakan peran tim as empowering the role of the team for its leaders. This is
kepada pimpinannya. Hal ini dilakukan melalui penguatan accomplished by improving the interaction skills of leaders
kemampuan interaksi pimpinan dan timnya melalui and their teams through updated leadership and followership
penyegaran pelatihan leadership dan followership bagi training for all Tugu Personnels. Through this training, it
seluruh Insan Tugu. Melalui pelatihan tersebut, diharapkan is hoped that they would gain understanding about the
dapat memberikan pemahaman mengenai standar yang standards required to perform their individual responsibilities
diperlukan dalam menjalani perannya masing-masing dalam within the framework of AKHLAK cultural values.
koridor tata nilai budaya AKHLAK.
Dalam rangka membangun SDM sebagai insan profesional, To develop human resources as professional individuals, the
Perseroan juga memperhatikan talent life cycle yang Company also takes into account the talent life cycle which
dimulai dari momen attract, engage, retain, develop, starts from the moments of attract, engage, retain, develop,
grow, dan sunset. Perseroan mengupayakan agar setiap grow and sunset. The Company strives to ensure that every
momen dalam talent life cycle dapat secara khusus moment in the talent life cycle can be specifically managed
dikelola untuk dapat memberikan pengalaman baik bagi to provide a good experience for Tugu personnels (building
insan Tugu (membangun EX/Employee Experience). Untuk EX/Employee Experience). To optimize its implementation,
mengoptimalkan pelaksanaannya, Perseroan mendorong the Company uses one on one communication or coaching
peran pimpinan melalui pemanfaatan sarana komunikasi one mechanisms to encourage leadership roles. This aims to
on one atau mekanisme coaching. Hal ini bertujuan untuk drive two-way open communication between leaders and
mendorong terciptanya keterbukaan komunikasi dua arah their teams thus, accelerate the implementation of AKHLAK
antara pimpinan dan timnya sehingga turut mempercepat cultural values. It is also useful in developing the ability of
penerapan tata nilai budaya AKHLAK dapat. Hal ini juga leaders as the frontline of the Company's HR management.
bermanfaat dalam membangun kemampuan pimpinan
sebagai garda terdepan pengelolaan SDM Perseroan.
Dengan memperhatikan talent life cycle, Perseroan By recognizing the talent life cycle, the Company identifies
mengidentifikasi talenta unggul dan mereka diberikan excellent talents and assigns greater responsibility through
tanggung jawab lebih besar melalui kegiatan pengembangan business process development activities and system
proses bisnis, maupun inisatif pengembangan sistem. development initiatives. The selected talents are involved in
Talenta yang terpilih dilibatkan dalam program Agent of the Agent of Change program, so that they receive special
Change, sehingga mendapatkan tempaan khusus agar training to better comprehend AKHLAK cultural values,
talenta ini dapat memahami tata nilai budaya AKHLAK become accelerated and involved in changing the Company,
dengan lebih baik, terakselerasi dan memiliki keterlibatan and become a good example for other Tugu Personnels.
dalam perubahan Perseroan, serta menjadi contoh baik bagi
Insan Tugu lainnya.
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Corporate Governance Corporate Social Responsibility Audited Report
Komitmen Terhadap Tanggung Jawab Sosial dan Lingkungan
Commitment to Corporate Social Responsibility
Tanggung Jawab Sosial dan Lingkungan (TJSL) menjadi Corporate Social Responsibility (CSR) is Tugu Insurance's
komitmen Tugu Insurance agar Perseroan mempunyai commitment that allows the Company to contribute in
kontribusi di bidang sosial dan lingkungan. Adapun the social and environmental fields. CSR activities in
kegiatan TJSL Tugu Insurance di integrasikan dengan upaya Tugu Insurance are integrated with efforts to create
menciptakan berbagai program dan inisiatif yang mendukung various programs and initiatives that support Sustainable
tujuan Sustainable Development Goals (SDGs) dengan Development Goals (SDGs) by prioritizing Environmental,
mengedepankan prinsip Evironmental, Social & Governance Social & Governance (ESG) principles.
(ESG).
Sepanjang tahun 2023, Tugu Insurance telah melakukan Throughout 2023, Tugu Insurance has done various activities
berbagai aktivitas untuk menjalankan dimensi pembangunan to carry out sustainable development dimensions as stated
berkelanjutan seperti yang telah tertuang di laporan in the 2023 Sustainable Finance Action Plan (RAKB) report.
Rencana Aksi Keuangan Berkelanjutan (RAKB) 2023. Di In the economic sector, Tugu Insurance has implemented
bidang ekonomi, Tugu Insurance menjalankan ekonomi a sustainable economy to ensure the sustainability of the
berkelanjutan untuk menjamin keberlanjutan kinerja organization's performance in the future. In the social and
organisasi di masa mendatang. Di bidang sosial dan environmental fields, Tugu Insurance carried out Corporate
lingkungan, Tugu Insurance menjalankan kegiatan Corporate Social Responsibility (CSR) activities namely Bakti TUGU
Social Responsibility (CSR) dengan nama program Bakti (United Action for Tugu Insurance). Bakti TUGU has four
TUGU (Bersatu Aksi Kepedulian Tugu Insurance). Bakti main pillars, namely the Education & Financial Literacy
TUGU memiliki empat pilar utama, yakni pilar Pendidikan & pillar, the Environment pillar, the Health & Safety pillar, and
Literasi Keuangan, pilar Lingkungan Hidup, pilar Kesehatan the Community Empowerment pillar, and also supported by
& Keselamatan dan pilar Pemberdayaan Masyarakat, serta the specific social charity program as Company support for
didukung juga dengan program bantuan sosial khusus Religious Social Service and Arts and Culture activities.
sebagai dukungan perusahaan terhadap kegiatan Bakti
Sosial Keagamaan dan Seni Budaya.
Perubahan Komposisi Direksi
Changes in Board of Directors Composition
Komposisi Direksi ditetapkan agar dapat memudahkan The composition of the Board of Directors is determined to
kemungkinan pengambilan keputusan secara efektif, tepat allow effective, precise and quick decision-making, as well as
dan cepat, serta dapat bertindak independen. Selama tahun being able to act independently. In 2023, the composition of
2023, komposisi Direksi Perseroan mengalami perubahan the Company's Board of Directors underwent changes with
dengan kronologi sebagai berikut: the following chronology:
Sebelum RUPST Sejak RUPST
Nama Keterangan
28 April 2023 28 April 2023
Name Description
Prior the AGMS 28 April 2023 Since AGMS 28 April 2023
Tatang Nurhidayat Presiden Direktur. Presiden Direktur. -
President Director. President Director.
Emil Hakim Direktur Keuangan & Layanan Direktur Keuangan & Layanan -
Korporat. Korporat.
Director of Corporate Finance & Director of Corporate Finance &
Services. Services.
Ery Widiatmoko Direktur Pemasaran Asuransi. Direktur Pemasaran Asuransi. -
Director of Insurance Marketing. Director of Insurance Marketing.
Budi P. Amir Direktur Kepatuhan & - Tidak lagi menjabat sebagai Direktur Kepatuhan
Manajemen Risiko. & Manajemen Risiko sejak 28 April 2023.
Director of Compliance & No longer served as Director of Compliance &
Risk Management. Risk Management since 28 April 2023.
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Sebelum RUPST Sejak RUPST
Nama Keterangan
28 April 2023 28 April 2023
Name Description
Prior the AGMS 28 April 2023 Since AGMS 28 April 2023
Edi Yoga Prasetyo - Direktur Kepatuhan & Diangkat sebagai Direktur Kepatuhan &
Manajemen Risiko. Manajemen Risiko berdasarkan Keputusan
Director of Compliance & RUPST tanggal 28 April 2023. Beliau telah
Risk Management. lulus penilaian Kemampuan dan Kepatutan OJK
berdasarkan Keputusan Dewan Komisioner No.
KEP 5/D.05/2024 tanggal 18 Januari 2024.
Appointed as Director of Compliance & Risk
Management based on the AGMS Resolution on
28 April 2023. He has passed the OJK Fit and
Proper Test based on Board of Commissioners
Decree No. KEP 5/D.05/2024 dated 18
January 2024.
Syaiful Azhar Direktur Teknik. - Tidak lagi menjabat sebagai Direktur Teknik
Technical Director. sejak 28 April 2023.
No longer served as Technical Director since 28
April 2023.
Sudarlin - Direktur Teknik. Diangkat sebagai Direktur Teknik berdasarkan
Technical Director. Keputusan RUPST 28 April 2023. Beliau telah
lulus penilaian Kemampuan dan Kepatutan OJK
berdasarkan Keputusan Dewan Komisioner
No. Kep-40/KDK.05/2023 tanggal 30 Oktober
2023.
Appointed as Technical Director based on
Resolution of the AGMS 28 April 2023. He has
passed the OJK Fit and Proper Test based on
the Decree of the OJK Commissioner Board
Kep-40/KDK.05/2023 dated 30 October 2023.
Dengan demikian, Anggota Direksi Tugu Insurance pada 31 Therefore, the members of the Tugu Insurance’s Board of
Desember 2023 adalah sebagai berikut: Directors as of 31 December 2023 are as follows:
Nama Jabatan
Name Position
Tatang Nurhidayat Presiden Direktur
President Director
Emil Hakim Direktur Keuangan & Layanan Korporat
Director of Corporate Finance & Services
Ery Widiatmoko Direktur Pemasaran Asuransi
Director of Insurance Marketing
Edi Yoga Prasetyo* Direktur Kepatuhan & Manajemen Risiko
Director of Compliance & Risk Management
Sudarlin* Direktur Teknik
Technical Director
*) Efektif sejak tanggal ditetapkannya hasil penilaian kemampuan dan kepatutan Otoritas Jasa Keuangan (OJK).
*) Effective from the date in which the Financial Services Authority (OJK) fit and proper test results are determined.
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Apresiasi
Appreciation
Pencapaian Tugu Insurance di sepanjang tahun 2023 Tugu Insurance's achievements throughout 2023 were the
merupakan buah dari dedikasi dan kerja keras kami dalam result of our mutual dedication and hard work, which is
berkolaborasi, yang juga didukung oleh pemegang saham. also supported by shareholders. We appreciate the support
Kami mengapresiasi dukungan Dewan Komisaris dalam of the Board of Commissioners in providing direction for
memberikan arahan atas tindakan Perseroan di tengah the Company's actions amidst the challenging business
tantangan iklim usaha dan ketidakpastian ekonomi global climate and global economic uncertainty due to geopolitical
akibat konflik geopolitik. Untuk ke depannya, kami optimis conflicts. In the future, we are optimistic that we will be able
mampu menerapkan strategi yang cermat dan memiliki tim to implement a careful strategy and have the right team
yang tepat untuk senantiasa mengatasi berbagai tantangan to continuously overcome the various challenges and take
yang dihadapi dan memanfaatkan berbagai peluang guna advantage of various opportunities to develop products and
mengembangkan produk dan layanan di masa mendatang. services in the future. The Board of Directors would also
Direksi juga memberikan apresiasi kepada seluruh like to express its appreciation to all customers and work
pelanggan dan mitra kerja atas kerja sama yang telah terjalin partners for the good cooperation and trust that has been
dengan baik dan kepercayaan yang telah diberikan pada given to the Company. We are confident that Tugu Insurance
Perseroan. Kami berkeyakinan Tugu Insurance dapat terus can continue to move forward in overcoming various
melaju menghadapi berbagai tantangan demi hasil yang challenges for positive and sustainable results.
positif dan berkelanjutan.
Jakarta, 5 April 2024
Tatang Nurhidayat
Presiden Direktur
President Director
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Surat Pernyataan Dewan Komisaris
Statement Letter of Board of Commissioners
Kami yang bertanda tangan di bawah ini menyatakan bahwa The undersigned below acknowledge that all information
semua informasi dalam Laporan Tahunan PT Asuransi Tugu contained in the 2023 Annual Report of PT Asuransi Tugu
Pratama Indonesia Tbk Tahun 2023 telah dimuat secara Pratama Indonesia Tbk has been presented as a whole and
lengkap dan bertanggung jawab penuh atas kebenaran isi therefore are accountable for the validity of the Company’s
Laporan Tahunan Perusahaan tersebut. Annual Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.
Jakarta, 5 April 2024
Dewan Komisaris
Board of Commissioners
Dian Masyita
Presiden Komisaris & Komisaris Independen
President Commissioner & Independent Commissioner
Bagus Agung Rahadiansyah Samuel Lie (Samuel Ramna)
Komisaris Komisaris
Commissioner Commissioner
Poerwo Tjahjono Tajudin Noor*)
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
*)
telah lulus hasil penilaian kemampuan dan kepatutan berdasarkan *)
has passed the fit and proper test based on the Decree of the
Surat Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan Members of the Board of Commissioners of the Financial Services Authority
No. KEP-6/D.05/2024 tanggal 18 Januari 2024. No. KEP-6/D.05/2024 dated 18 January 2024.
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Surat Pernyataan Direksi
Statement Letter of Board of Directors
Kami yang bertanda tangan di bawah ini menyatakan bahwa The undersigned below acknowledge that all information
semua informasi dalam Laporan Tahunan PT Asuransi Tugu contained in the 2023 Annual Report of PT Asuransi Tugu
Pratama Indonesia Tbk Tahun 2023 telah dimuat secara Pratama Indonesia Tbk has been presented as a whole and
lengkap dan bertanggung jawab penuh atas kebenaran isi therefore are accountable for the validity of the Company’s
Laporan Tahunan Perusahaan tersebut. Annual Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.
Jakarta, 5 April 2024
Direksi
Board of Directors
Tatang Nurhidayat
Presiden Direktur
President Director
Emil Hakim Ery Widiatmoko
Direktur Keuangan & Layanan Korporat Direktur Pemasaran Asuransi
Director of Corporate Finance & Services Director of Insurance Marketing
Edi Yoga Prasetyo*) Sudarlin
Direktur Kepatuhan & Manajemen Risiko Direktur Teknik
Director of Compliance & Risk Management Technical Director
*)
telah lulus hasil penilaian kemampuan dan kepatutan berdasarkan *)
has passed the fit and proper test based on the Decree of the
Surat Keputusan Anggota Dewan Komisioner Otoritas Jasa Keuangan Members of the Board of Commissioners of the Financial Services Authority
No. KEP-5/D.05/2024 tanggal 18 Januari 2024. No. KEP-5/D.05/2024 dated 18 January 2024.
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03 Profil
Perusahaan
Company Profile
Laporan Tahunan 2023 60 PT Asuransi Tugu Pratama Indonesia Tbk
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Identitas Perusahaan
Company Identity
Nama Perusahaan PT Asuransi Tugu Pratama Indonesia Tbk (“Tugu Insurance“)
Company Name
Tanggal Pendirian Perusahaan 25 November 1981
Date of Establishment 25 November 1981
Dasar Hukum Pendirian Perusahaan Perusahaan didirikan berdasarkan Akta Notaris No. 9 tanggal 25 November 1981 dari Tan
Legal Basis of Establishment Thong Kie, S.H., Akta Pendirian ini disahkan oleh Menteri Kehakiman Republik Indonesia dengan
Surat Keputusan No. Y.A5/177/20 tanggal 15 Maret 1982 serta diumumkan dalam Tambahan
No. 845 dari 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, and published in the Supplement
No. 845 of 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 (per 31 Desember 2023) • 58,50% PT Pertamina (Persero)
Share Ownersip (per 31 December 2023) • 15,89% UOB Kay Hian Pte. Ltd
• 5,29% Samsung Fire & Marine Insurance, Co., Ltd.
• 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 459 orang
Total Employees 459 people
Point of Sales and Services (PoSS) Per 31 Desember 2023 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 2023, 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.
Pencatatan di Bursa Efek Indonesia 28 Mei 2018
Listing on the Indonesian Stock Exchange 28 May 2018
Kode Saham TUGU
Stock Code
Alamat Kantor Pusat Gedung Wisma Tugu I
Address of Head Office Jl. H.R. Rasuna Said Kav. C 8-9
Jakarta Selatan 12920, Indonesia
Telepon : +62 21 529 61 777 (hunting)
Faksimile : +62 21 529 61 555, 529 62 555
Email : enquiry@tugu.com; calltia@tugu.com;
Hotline 24/7 Call TIA : 1500 458
Whatsapp : 0811 9790 0100
FB/Fanpage : Tugu Insurance
Twitter : @tuguinsurance
Instagram : @tuguinsurance, @mytdrive.id, @lifeattugu
Linkedin : PT Asuransi Tugu Pratama Indonesia Tbk
Youtube : Tugu Insurance
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Riwayat Singkat Tugu Insurance
Brief History of Tugu Insurance
PT Asuransi Tugu Pratama Indonesia Tbk (“Tugu Insurance” PT Asuransi Tugu Pratama Indonesia Tbk (“Tugu Insurance”
atau “Perseroan”) berdomisili di Jakarta Selatan dan or “the Company”) domiciled in South Jakarta, previously
pertama kali didirikan dengan nama PT Tugu Pratama established under the name of PT Tugu Pratama Indonesia
Indonesia berdasarkan Akta Pendirian No. 9 tanggal based on Deed of Establishment No. 9 dated 25 November
25 November 1981 yang dibuat di hadapan Thong Tan 1981, passed before Thong Tan Kie, Notary in Jakarta, and
Kie, Notaris di Jakarta dan telah disahkan oleh Menteri legalized by Minister of Justice of the Republic of Indonesia
Kehakiman Republik Indonesia melalui Surat Keputusan with Ministerial Decree No. Y.A5/177/20 dated 15 March
No. Y.A5/177/20 tanggal 15 Maret 1982 serta diumumkan 1982 and published in the Supplement No. 845 of the
dalam Tambahan No. 845 dari Berita Negara Republik Republic of Indonesia’s State Gazette No. 54 dated 6 July
Indonesia No. 54 tanggal 6 Juli 1982. Anggaran Dasar 1982. The Company’s Articles of Association have been
Perseroan telah mengalami beberapa kali perubahan, amended several times, most recently by Notarial Deed No.
terakhir dengan Akta Notaris No. 123 tanggal 28 April 2023 123 dated 28 April 2023 from Notary Jose Dima Satria,
dari Notaris Jose Dima Satria, S.H., M.Kn., Notaris di Jakarta S.H., M.Kn., Notary in Jakarta concerning Statement of
tentang Pernyataan Keputusan Rapat Perubahan Anggaran Meeting Resolutions on Amendments to the Articles of
Dasar PT Asuransi Tugu Pratama Indonesia Tbk. Perubahan Association of PT Asuransi Tugu Pratama Indonesia Tbk. The
Anggaran Dasar tersebut telah memperoleh persetujuan dari amendments to the Articles of Association have received
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia approval from the Minister of Law and Human Rights of the
dalam Surat Keputusan No. AHU-AH.01.03-0059835 tanggal Republic of Indonesia in Decree No. AHU-AH.01.03-0059835
5 Mei 2023. dated 5 May 2023.
Pada awal didirikan (1981-1984), Tugu Insurance At the beginning of its establishment (1981-1984), Tugu
menjalankan bisnisnya dengan berfokus pada pemberian Insurance focused on the business of providing risk coverage
pertanggungan risiko yang terjadi di industri minyak dan gas insurance in the national’s oil and gas industry, especially
nasional, terutama perlindungan asuransi atas aset yang insurance protection for assets owned by State-Owned
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dimiliki oleh perusahaan Badan Usaha Milik Negara (BUMN), Enterprise (SOE), PT Pertamina (Persero) as the holding
PT Pertamina (Persero) selaku induk usaha. Selanjutnya company. Furthermore, in the quest for business expansion,
selama periode tahun 1985-1998, Perseroan melakukan during 1985-1998 the Company invested in several domestic
ekspansi usaha di beberapa perusahaan, baik di dalam dan and foreign companies, until the establishment of several
luar negeri, hingga terbentuknya beberapa entitas anak yang subsidiaries under TUGU Group. All subsidiaries and
bersinergi di bawah payung TUGU Group. Semua entitas affiliates engage in businesses that support the Company’s
anak maupun afiliasi bergerak dalam bidang usaha yang business activities and complement the products and
menunjang kegiatan usaha Perseroan serta melengkapi services offered by the Company.
produk dan jasa yang ditawarkan.
Tugu Insurance telah memiliki keahlian di segmen korporasi Tugu Insurance has expertise in the corporate segment
dan berpengalaman dalam memberikan layanan asuransi and profound experience in providing insurance services to
kepada berbagai proyek migas dan energi berskala besar, various large-scale oil and gas energy projects, starting from
mulai dari menyediakan layanan perasuransian kepada PT providing insurance services to PT Pertamina (Persero) and
Pertamina (Persero) serta para mitra kerja dan berbagai its partners and subsidiaries, as well as other Cooperation
anak perusahaan PT Pertamina (Persero), dan juga para Contract Holders (CCH). Going further, Tugu Insurance
Kontraktor Kontrak Kerja Sama (KKKS) lainnya. Dalam has not only entered the captive market but also has
perkembangannya, Tugu Insurance telah merambah ke pasar penetrated into the non-captive market, such as the non-
di luar captive market, yaitu pasar korporasi non-energi dan energy corporate market and retail products with the vast
produk-produk retail yang memiliki potensi kontribusi premi premium contribution potential, given the small penetration
yang sangat besar, mengingat masih kecilnya penetrasi of insurance market nationwide in this segment. Tugu
asuransi nasional di segmen ini. Tugu Insurance telah Insurance has developed its business optimally by offering
mengembangkan bisnis secara maksimal melalui penawaran various types of insurance products, including insurance in
berbagai jenis produk asuransi yang ditawarkan, termasuk the energy, fire & property, aviation, engineering, marine hull,
asuransi di sektor energi, harta benda, penerbangan, marine cargo, protection & indemnity sectors, credit, liability,
rekayasa, rangka kapal, pengangkutan, protection & motor vehicle insurance, and sharia-based insurance.
indemnity, kredit, liability, asuransi kendaraan bermotor,
hingga asuransi berbasis syariah.
Dalam rangka memperkuat struktur permodalan guna In the quest of strengthening its capital structure to support
mendukung pengembangan bisnis Perseroan serta the Company’s business development and to enhance GCG
memperkokoh implementasi GCG di Perseroan, pada 2018 implementation in the Company, Tugu Insurance conducted
Tugu Insurance melakukan penawaran perdana sahamnya an Initial Public Offering (IPO) in 2018. As of 28 May 2018,
kepada masyarakat (Initial Public Offering/IPO). Pencatatan the Company has listed its shares on the Indonesia Stock
saham Tugu Insurance di Bursa Efek Indonesia dilaksanakan Exchange, with the ticker code “TUGU”.
pada 28 Mei 2018 dengan kode saham “TUGU”.
Perseroan juga melaksanakan transformasi brand & culture In addition, the Company also conducted a brand & culture
termasuk perubahan corporate identity dengan meluncurkan transformation including a change in corporate identity
corporate brand name Tugu Insurance, perubahan logo by launching the corporate brand name Tugu Insurance,
perusahaan dan juga perubahan corporate brand central idea a change in the company logo and also a change in the
“Reaching New Heights” disertai revitalisasi tata nilai budaya corporate brand central idea “Reaching New Heights”
6C pada 28 Juni 2018 yang kemudian diselaraskan dengan along with the revitalization of the 6C cultural values on
core values AKHLAK. 28 June 2018 and then aligned these values with AKHLAK
core values.
Sesuai rencana dalam prospektus, yang mana alokasi According to the plan stated in the prospectus, where the
penggunaan dana IPO antara lain dipergunakan untuk allocation of IPO funds is used, among others to develop
mengembangan bisnis retail dan membangun infrastruktur the retail business and build technological innovation
inovasi teknologi yang dapat mendukung operasional bisnis infrastructure that supports Tugu Insurance’s operations in
Tugu Insurance di era digitalisasi, Tugu Insurance telah the digitalization era, Tugu Insurance has launched the retail
meluncurkan produk ritel berupa produk asuransi kendaraan insurance products, t ride for two-wheeled vehicle and t drive
roda dua bernama t ride dan roda empat bernama t drive, for four-wheel vehicle, as well as a smart t drive application
serta aplikasi cerdas t drive untuk mengukur keterampilan to measure the driving skills and behavior of application
maupun perilaku berkendara pengguna aplikasi. Saat ini users. Currently Tugu Insurance also has 31 Points of Sales
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Tugu Insurance juga memiliki 31 Point of Sales and Services and Services (PoSS) in various strategic areas of Indonesia
(PoSS) di berbagai wilayah strategis Indonesia yang terbagi which are divided into 2 (two) regions, namely Region 1
dalam 2 (dua) regional, yaitu Regional 1 terdiri dari 17 PoSS, consisting of 17 PoSS, and Region 2 consisting of 14 PoSS.
dan Regional 2 terdiri dari 14 PoSS.
Tugu Insurance selalu mengutamakan pertumbuhan yang Tugu Insurance always prioritizes quality growth. In 2016,
berkualitas. Pada tahun 2016, Tugu Insurance untuk Tugu Insurance for the first time succeeded in getting an
pertama kalinya berhasil mendapatkan international rating international rating of “A- (Excellent)” from A.M. Best and
“A- (Excellent)” dari A.M. Best dan berhasil mempertahankan succeeded in maintaining the international rating for 8 (eight)
international rating tersebut selama 8 (delapan) tahun consecutive years. This is a reflection of Tugu Insurance’s
berturut-turut. Hal ini merupakan cerminan atas posisi very strong financial position (stable outlook), and is
keuangan Tugu Insurance yang sangat kuat (stable outlook), supported by healthy business operations and adequate risk
dan didukung oleh operasional bisnis yang sehat dan management. A.M. Best is the oldest insurance company
manajemen risiko yang memadai. A.M. Best merupakan rating agency in the world and is based in New York, United
lembaga pemeringkat perusahaan asuransi tertua di dunia States. Every year, A.M. Best provides assessments to more
dan berpusat di New York, Amerika Serikat. Setiap tahun, than 16,000 insurance companies worldwide by measuring
A.M. Best memberikan Penilaian kepada lebih dari 16.000 the health of insurance companies based on their ability
perusahaan asuransi di seluruh dunia dengan mengukur to pay claims, debts and other financial obligations in a
kesehatan perusahaan asuransi berdasarkan kemampuan timely manner.
dalam membayar klaim, hutang, dan kewajiban keuangan
lainnya secara tepat waktu.
Seiring berjalannya waktu, Tugu Insurance senantiasa Along with that, the trust in Tugu Insurance continues to
meningkatkan kepercayaan dari regulator, mitra usaha dan strengthen, not only from regulators and business partners,
pelanggan. Hal ini menjadi motivasi dan semangat bagi but also from customers. This is a motivation and spirit for
seluruh Insan Tugu untuk selalu meningkatkan karya dan all Tugu Personnel to continue enhancing their work and
memberikan inovasi yang baru untuk melangkah maju demi innovate to move forward to reach new heights.
mencapai tingkatan yang lebih tinggi.
Informasi Tentang Perubahan Nama Perusahaan
Information About Change of the Company’s Name
PT Tugu Pratama Indonesia PT Asuransi Tugu Pratama Indonesia Tbk
25 November 1981 8 Februari 2018 | 8 February 2018
PT Tugu Pratama Indonesia mengalami perubahan nama PT Tugu Pratama Indonesia changed its name to PT Asuransi
menjadi PT Asuransi Tugu Pratama Indonesia Tbk sesuai Tugu Pratama Indonesia Tbk following the Resolution of
hasil keputusan Rapat Umum Pemegang Saham Luar Biasa the Extraordinary General Meeting of Shareholders dated
tanggal 8 Februari 2018 yang diaktakan dalam Akta Notaris 8 February 2018 which was notarized in the Deed No. 23
No. 23 tanggal 8 Februari 2018 dari Notaris Fathiah Helmi, dated 8 February 2018 from Fathiah Helmi, S.H., as the
S.H., yang telah disetujui oleh Menteri Hukum dan Hak Asasi notary, which was approved by the Minister of Justice and
Manusia Republik Indonesia berdasarkan Keputusan No. Human Rights of the Republic of Indonesia based on Decree
AHU-0003192.AH.01.02. Tahun 2018 tanggal 9 Februari No. AHU-0003192. AH.01.02. of 2018 dated 9 February
2018. Perubahan nama ini juga telah mendapat persetujuan 2018. This name change was also approved by the Financial
Otoritas Jasa Keuangan (OJK) berdasarkan Keputusan Services Authority (OJK) based on the Decree of OJK
Anggota Dewan Komisioner OJK No. KEP-231/NB.11/2018 Commissioner Board No. KEP-231/NB.11/2018 dated 19
tanggal 19 Maret 2018 tentang Pemberlakuan Izin usaha di March 2018 concerning the Enactment of Business License
Bidang Asuransi Umum Sehubungan Perubahan Nama PT in General Insurance Sector, concerning the Change of the
Tugu Pratama Indonesia menjadi PT Asuransi Tugu Pratama Name of PT Tugu Pratama Indonesia to PT Asuransi Tugu
Indonesia Tbk. Pratama Indonesia Tbk.
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Jejak Langkah
Milestones
1981 1994
• Tugu Insurance didirikan dengan nama PT • Pada 29 April 1994, mendirikan PT Tugu Pratama Interindo (Interindo),
Tugu Pratama Indonesia oleh PT Pertamina didirikan pertama kalinya dengan nama PT Tugu Pratama Holding.
(Persero) pada tanggal 25 November 1981 • Pada 15 Desember 1994, nama PT Tugu Pratama Holding berubah
untuk memberikan proteksi risiko dalam negeri menjadi PT Tugu Pratama Interindo (Interindo).
dengan spesialisasi bisnis korporasi (business to • Ekspansi usaha dengan melakukan penyertaan modal perusahaan
business) di sektor migas, terutama perlindungan asuransi di dalam dan luar negeri di bawah pengelolaan Interindo
aset Pertamina. sebagai investment holding atas TUGU Group.
• Tugu Insurance mulai merintis keahlian dalam • Tugu Insurance mulai fokus bermain di lini bisnis non migas maupun
penanganan manajemen risiko sektor migas di energi selain tetap mengedepankan perolehan bisnis di sektor migas.
industri asuransi umum nasional.
• Established PT Tugu Pratama Interindo (Interindo), first established under
• Tugu Insurance was established under the name the name of PT Tugu Pratama Holding on 29 April 1994.
of PT Tugu Pratama Indonesia by PT Pertamina • Changed the name of PT Tugu Pratama Holding to PT Tugu Pratama
(Persero) on 25 November 1981 to provide Interindo on 15 December 1994.
domestic risk protection with specialization in • Business expansion by investing in domestic and foreign markets under
business-to-business in the oil and gas sector, the management of Interindo as the investment holding of TUGU Group.
particularly for Pertamina’s assets protection. • Tugu Insurance began to focus on non-oil and gas business lines while
• Tugu Insurance began to develop its expertise in continuing to prioritize business acquisition in the oil and gas sector.
handling risk management of oil and gas sector in
the national general insurance industry.
2018 2017
• Kembali mempertahankan international rating • Pelepasan saham milik entitas anak, yaitu Interindo
A- “Excellent” dari Lembaga pemeringkat A.M. di PT Asuransi Jiwa Tugu Mandiri (AJTM) sebanyak
Best. 94.750 lembar saham kepada Dana Pensiun
• Melakukan Penawaran Umum Perdana Saham Pertamina.
TUGU (IPO) kepada masyarakat sebanyak • Mendapatkan peningkatan Predikat “Emerging” di
177.777.800 saham. Saham-saham tersebut ajang Pertamina QMA - KKEP 2017.
dicatatkan di Bursa Efek Indonesia (BEI) pada • Pengalihan hak atas saham milik Dana Pensiun
tanggal 28 Mei 2018. Pertamina di PT Tugu Reasuransi Indonesia (Tugure)
kepada Interindo, sehingga kepemilikan saham Tugu
• Maintained an international rating of A- Insurance (melalui Interindo) di Tugure meningkat
“Excellent” from A.M. Best. menjadi 50,27% dari sebelumnya 37,66%.
• Conducted an Initial Public Offering (IPO) of
TUGU Shares to the public with a total of • Disposal of shares owned by subsidiaries, namely
177,777,800 shares. These shares are listed Interindo in PT Asuransi Jiwa Tugu Mandiri (AJTM) in a
on the Indonesia Stock Exchange (IDX) on 28 total of 94,750 shares to Dana Pensiun Pertamina.
May 2018. • Received Predicate upgrade to “Emerging” at
Pertamina QMA - KKEP 2017.
• The transfer of rights to the shares owned by Dana
Pensiun Pertamina in PT Tugu Reasuransi Indonesia
(Tugure) to Interindo, thus Tugu Insurance’s share
ownership (through Interindo) in Tugure increased to
50.27% from 37.66%.
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2005
• Berinovasi dengan mengeluarkan produk-produk berbasis corporate retail
dan syariah.
• Mengimplementasi program Pemberdayaan Masyarakat di Kampung
Tugu Cipereu, Sukabumi dengan membangun infrastruktur fasilitas air
bersih, MCK, Musholla, bangunan pendidikan formal/informal dan kolam
pembibitan ikan lele dan nila serta penaburan benih pohon buah.
• Conducted innovation by launching products based on corporate retail
and sharia.
• Implemented the Community Empowerment program in Kampung Tugu
Cipereu, Sukabumi by building the infrastructure of clean water facilities,
bathing/washing/toilet centers (MCK), Musholla, formal/informal
education buildings and catfish and tilapia fishing pond, and seeds
plantation.
2016 2014
• Seiring dengan pertumbuhannya, pada tahun • Penetapan Revitalisasi Visi, Misi, dan Tata Nilai
2016 telah memiliki sejumlah kantor cabang Budaya Perseroan 6C.
yaitu di Surabaya, Bandung, Medan, Palembang, • Pelaksanaan program Sosialisasi dan Internalisasi
Semarang, dan Balikpapan. Transformasi Budaya Perseroan.
• Mendapatkan international rating A- “Excellent”
dari A.M. Best, dimana Tugu Insurance merupakan • Establishment of the Company’s Revitalized
perusahaan asuransi umum nasional pertama Vision, Mission, and Cultural Values (6C).
yang berhasil meraih predikat ini. • Implemented Socialization and Internalization
program for Corporate Culture Transformation.
• In corresponding with its growth, the Company in
2016 opened several branch offices in Surabaya,
Bandung, Medan, Palembang, Semarang, and
Balikpapan.
• Received an international rating of A- “Excellent”
from A.M. Best in which Tugu Insurance was the
first national general insurance company to earn
this title.
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2019 2020
• Meningkatkan kualitas layanan konsumen dengan meluncurkan hotline • Di tengah dampak kondisi pandemi COVID-19 yang
24/7 Call TIA 1500 458, dan Tugu Real Experience (t rex) atau yang telah meluluhlantakkan perekonomian global dan
biasa dikenal dengan Emergency Road Assistant. nasional, Tugu Insurance berhasil meningkatkan
• Keberhasilan selama 4 tahun berturut-turut dalam mempertahankan outlook menjadi “Stable” serta mempertahankan
international rating A- “Excellent” dari A.M. Best, dan Tugu Insurance Peringkat Internasional dari A.M. Best selama 5
masih tetap menyandang sebagai satu-satunya perusahaan asuransi tahun berturut-turut dengan nilai Financial Strength
umum nasional yang memiliki predikat ini. Rating “A- (Excellent)” dan Long Term Issuer Credit
• Memperluas jangkauan geografis melalui pembukaan kantor-kantor Rating “a-” di tahun 2020.
cabang baru di Pekanbaru, Lampung, Makassar, Denpasar, dan Cirebon, • Tidak hanya prestasi dari A.M. Best, sepanjang
serta membuka beberapa Point of Sales & Service (t shop) di berbagai tahun 2020 Tugu Insurance juga berhasil meraih
titik strategis di Indonesia. berbagai penghargaan baik di bidang keuangan
• Transformasi seluruh identitas korporat dengan memperkenalkan maupun non-keuangan.
corporate brand name “Tugu Insurance” dan melakukan revitalisasi tata
nilai budaya perusahaan 6C yang bernafaskan “Reaching New Heights“ • Amid the COVID-19 pandemic, which has
#BeraniLebihBaik. devastated the global and national economies,
• Meluncurkan t drive, aplikasi safety driving yang dapat diunduh via Tugu Insurance has succeeded in improving
smartphone oleh masyarakat luas melalui Google Play untuk platform its outlook to “Stable” and maintained the
Android dan untuk platform iOS, dan disertai dengan peluncuran produk International Rating of A.M. Best for 5 consecutive
unggulan ritel untuk asuransi kendaraan bermotor yaitu t drive untuk years with a Financial Strength Rating of “A-
roda empat dan t ride untuk roda dua. (Excellent) “and Long-Term Issuer Credit Rating of
“a-” in 2020.
• Enhanced customer service quality by launching a 24/7 Call hotline TIA • Besides the A.M. Best achievement, throughout
1500 458, and Tugu Real Experience (t rex) or more commonly known as 2020 Tugu Insurance has also won various awards
Emergency Road Assistant. both in the financial and non-financial fields.
• Maintained the international rating A- “Excellent” from A.M. Best for 4
consecutive years, and Tugu Insurance still holds the title as the only
national general insurance company to have this title.
• Expanded its geographic reach by opening new branch offices in
Pekanbaru, Lampung, Makassar, Denpasar, and Cirebon, as well as
opening several Point of Sales & Service (t shops) in various strategic
areas in Indonesia.
• Transformed the entire corporate identity by introducing the corporate
brand name “Tugu Insurance” and revitalizing the 6C corporate culture
values with the spirit of “Reaching New Heights” #BeraniLebihBaik.
• Launched t drive, a safety driving application that can be downloaded via
smartphones by the public via Google Play for the Android platform and
the iOS platform, accompanied by the launch of superior retail products
for motor vehicle insurance, namely t drive for four-wheel and t ride for
two-wheel.
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2021
• Berhasil menerapkan Sistem Manajemen Anti Penyuapan (SMAP) dengan meraih sertifikasi ISO 37001:2016.
Sertifikasi ini merupakan pencapaian perusahaan dalam meningkatkan Good Corporate Governance yang bebas dari
Bribery atau Fraud dengan ruang lingkup sertifikasi fungsi Procurement & Claim.
• Turut mendukung pencapaian Agenda 2030 untuk Tujuan Pembangunan Berkelanjutan/Sustainable Development
Goals (TPB/SDGs), yang merupakan kesepakatan pembangunan berkelanjutan berdasarkan hak asasi manusia dan
kesetaraan melalui “Bersatu Aksi Kepedulian Tugu Insurance” atau Bakti TUGU. Ini merupakan wadah yang menaungi
seluruh kegiatan Corporate Social Responsibility (CSR) di Tugu Insurance.
• Pada bulan November 2021, bertepatan dengan ulang tahunnya yang ke 40, Tugu Insurance mencanangkan digital
transformation secara holistic yang terus menerus akan dilakukan oleh Perseroan meliputi aspek penguatan
infrastruktur Teknologi Informasi (TI), Business Process yang nantinya juga akan di ikuti perubahan Mindset dan
Culture Perseroan.
• Berhasil mempertahankan predikat bertaraf global Financial Strength Rating A- (Excellent) dan Long-Term Issuer Credit
Rating of “a-” (Excellent) dari A.M. Best 6 tahun berturut-turut sebagai cerminan atas posisi keuangan yang sangat
kuat (stable outlook), didukung oleh operasional bisnis yang sehat dan manajemen risiko yang memadai.
• Successfully implemented the Anti-Bribery Management System (SMAP) by achieving ISO 37001:2016 certification.
This certification is the Company’s achievement in enhancing Good Corporate Governance that is free from Bribery or
Fraud with the scope of certification of the Procurement & Claim function.
• Supporting the achievement of the 2030 Agenda for Sustainable Development Goals (SDGs), which is a sustainable
development agreement based on human rights and equality through “Tugu Insurance United Action of Concern” or
Bakti TUGU. This is a forum that houses all Corporate Social Responsibility (CSR) activities at Tugu Insurance.
• In November 2021, coinciding with its 40th anniversary, Tugu Insurance launched a holistic digital transformation that
the Company will continuously carry out including aspects of strengthening Information Technology (IT) infrastructure,
Business Process which will also be followed by changes in the Company’s Mindset and Culture.
• Succeeded in maintaining the global level Financial Strength Rating A- (Excellent) and Long-Term Issuer Credit Rating
of “a-” (Excellent) from A.M. Best for 6 consecutive years as a proof of the Company’s very strong financial position,
supported by sound business operations and adequate risk management.
2022 2023
• PT Bursa Efek Indonesia mengumumkan perpindahan Papan Pencatatan Tugu Insurance melakukan pemecahan nilai
atas saham TUGU dari Papan Pengembangan ke Papan Utama efektif nominal saham (stock split) dengan rasio
per tanggal 30 November 2022.
1:2 atau dari Rp100,00 (seratus Rupiah) per
• Kembali dapat mempertahankan predikat bertaraf global Financial
Strength Rating A- (Excellent) dan Long-Term Issuer Credit Rating of “a-” saham menjadi Rp50,00 (lima puluh Rupiah),
(Excellent) dari A.M. Best 7 (tujuh) tahun berturut-turut sebagai cerminan sehingga jumlah saham beredar menjadi
atas posisi keuangan yang sangat kuat (stable outlook), didukung oleh 3.555.575.600.
operasional bisnis yang sehat dan manajemen risiko yang memadai.
Tugu Insurance split the nominal value of
• PT Bursa Efek Indonesia announced the transfer of the Listing Board for
TUGU’s shares from the Development Board to the Main Board effective its shares (stock split) with a ratio of 1:2 or
since 30 November 2022. from IDR100.00 (one hundred Rupiah) per
• Repeated the success to maintain its global level rating of Financial share to IDR50.00 (fifty Rupiah), so that
Strength Rating A- (Excellent) and Long-Term Issuer Credit Rating of “a-” the number of outstanding shares became
(Excellent) from A.M. Best 7 (seven) consecutive years as a reflection of
3,555,575,600.
a robust financial position (stable outlook), supported by sound business
operations and adequate risk management.
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Visi, Misi, dan Tata Nilai Budaya Perusahaan
Vision, Mission, and Corporate Culture Value
“Menjadi perusahaan asuransi umum
VISI nomor satu di Indonesia.”
To be the number one
VISION general insurance company in Indonesia.
• Menciptakan • Creating customer
kepuasan pelanggan. satisfaction.
• Memberdayakan SDM menjadi • Empowering
insan yang profesional.
MISI
human resources to
become professional.
• Mengoptimalkan
nilai perusahaan • Optimizing company value in
MISSIONS secara berkelanjutan.
• Mengembangkan perusahaan
a sustainable manner.
• Developing the insurance
asuransi menjadi kebanggaan company to become the
bangsa Indonesia yang pride of Indonesia and a
berkelas dunia. world-class company.
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 customer
kunci untuk bisa menciptakan kepuasan pelanggan. Semua satisfaction. All resources are mobilized and arranged to give
sumber daya dikerahkan dan diatur untuk memberikan the insured satisfaction.
kepuasan tertanggung.
Memberdayakan SDM menjadi insan yang Empowering our human resources to become
profesional professional
SDM kami yang merupakan ahli dalam bidangnya dan Our human resources are highly skilled in their respective
senantiasa bekerja sesuai dengan protokol dan peraturan field, working according to the protocols and regulations of
dalam bidang yang dijalaninya untuk memberikan hasil kerja their respective field to produce excellent performance.
yang terbaik.
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Mengoptimalkan nilai perusahaan secara Optimizing company value in a sustainable manner
berkelanjutan
Pendirian Perusahaan pada intinya bertujuan meningkatkan The objective of establishment of the Company has
nilai Perseroan, yang sekaligus berarti meningkatkan always been to elevate the corporate values, which also
nilai yang diinvestasikan oleh para pemegang saham means increasing the values the shareholders have
(shareholders’ value) melalui penciptaan laba dan perluasan invested in through profit increase and the expansion of
aktivitas operasional. operational activities.
Mengembangkan perusahaan asuransi menjadi Developing the insurance company to become the
kebanggaan bangsa Indonesia yang berkelas dunia pride of Indonesia and a world-class company
Karakteristik utama Perusahaan yang berkelas dunia adalah: The ultimate characteristics of a world-class Company are:
• Kompeten, yaitu kemampuan beroperasi dengan standar • Competent, which is the capability of operating at a high
yang tinggi dalam dinamika persaingan; standard amidst the competition;
• Kemampuan untuk beradaptasi; • Ability to adapt;
• Budaya kualitas, yang mengutamakan • Culture of quality that prioritizing the insured satisfaction;
kepuasan tertanggung; • Culture of innovation;
• Budaya inovatif; • Culture of entrepreneurship.
• Budaya wirausaha.
Kami memiliki modal dasar untuk menjadi perusahaan kelas We have the potential to become a world-class company
dunia karena telah menerapkan Tata Kelola Perusahaan as the Company fully adheres to and implements Good
yang Baik dan mempunyai kemampuan finansial, keandalan Corporate Governance, and are supported by financial
sumber daya manusia, kemampuan penguasaan teknologi, capability, reliable human resources, mastery of technology,
dan jaringan usaha (network). and a wide-spread business network.
Budaya Perusahaan dan Tata Nilai Perusahaan
Corporate Culture Value
Kementerian Badan Usaha Milik Negara telah menerbitkan As part of the transformation of State-Owned Enterprises
Surat Edaran penerapan AKHLAK sebagai nilai-nilai utama (SOE) in the Human Resources aspect, the Ministry of
(core values) sebagai bagian dari transformasi perusahaan SOEs issued a Circular Letter on the implementation of
BUMN pada aspek Sumber Daya Manusia (SDM). Nilai- AKHLAK as core values, to be further implemented in SOEs,
nilai utama ini selanjutnya diterapkan di seluruh lingkup subsidiaries, and consolidated affiliated companies. As a
BUMN, termasuk anak perusahaan dan perusahaan afiliasi subsidiary of PT Pertamina (Persero), Tugu Insurance also
terkonsolidasi. Untuk itu, Tugu Insurance selaku anak usaha applies AKHLAK by adjusting the behavior of the 6C Values
dari PT Pertamina (Persero) turut menerapkan core values towards the implementation of the AKHLAK Principles.
AKHLAK dengan penyesuaian perilaku Tata Nilai 6C terhadap
penerapan Prinsip AKHLAK.
Tata nilai 6C yang dimiliki Perseroan dan revitalisasi yang The Company’s 6C values and the revitalization, which
dilakukan sejak tahun 2018 sudah menjadi bagian dan has been in effect since 2018, have become a part of the
panduan internal dalam melaksanakan aktivitas bekerja di Company’s internal guidelines in carrying out work activities.
Perseroan. Untuk terus beradaptasi terhadap prinsip-prinsip To continuously adapt to the principles of value that can be
nilai yang dapat diterapkan di Perseroan, maka tata nilai 6C applied in the Company, the 6C values are aligned with the
diselaraskan dengan core values AKHLAK, sehingga AKHLAK core values of AKHLAK. This way, AKHLAK can be positioned
dapat diposisikan sebagai panduan perilaku yang menjadi as a behavioral guide that becomes the navigation for Tugu
navigasi bagi Insan Tugu untuk terus bertransformasi Personnel to continue transforming by implementing it in
dengan penerapan secara sungguh-sungguh, konsisten, a serious, consistent, and consequent manner. This all
dan konsekuen, yang pada akhirnya menjadi identitas ultimately becomes an identity and cultural attachment that
dan perekat budaya yang mendukung peningkatan kinerja supports a constant performance improvement.
secara berkelanjutan.
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A K H
Amanah Kompeten Harmonis
Clean Capable Committed,
Memegang teguh Terus belajar dan Collaborative &
kepercayaan yang mengembangkan Clean
diberikan kapabilitas
Saling peduli dan
Upholding the trust Continuing to learn and menghadapi perbedaan
that has been given expand capabilities
Caring and respecting
differences
L A K
Loyal Adaptif Kolaboratif
Commited Creative & Collaborative
Berdedikasi dan Customer Membangun kerjasama
mengutamakan Focused yang sinergis
kepentingan Bangsa
Terus berinovasi Creating synergic
dan Negara
dan antusias dalam cooperation
Dedicating and putting menggerakkan ataupun
the Nation above menghadapi perubahan
anything else
Continuing to innovate
and enthusiastic in
encouraging or facing
the changes
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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 of
diejawantahkan dengan semangat #BeraniLebihBaik, yang #BeraniLebihBaik, a new spirit to improve performance and
merupakan spirit baru untuk meningkatkan performa dan provide better benefits for stakeholders, on 28 June 2018
memberikan benefit yang lebih baik bagi stakeholders, pada Tugu Insurance launched a new logo and tagline as follows:
28 Juni 2018 Tugu Insurance meluncurkan logo 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 Logo
Warna Merah The Color Red Logo Colour
Melambangkan Tugu Insurance yang
Warna biru tua memberi kesan
sudah berpengalaman, fundamentalnya
matang dan berkualitas. Kami
kuat, keuletan, ketegasan serta
memberikan stabilitas dan
keberanian dalam menghadapi berbagai
pelayanan berkualitas untuk
kendala yang terjadi juga menghadapi
menghadapi tantangan kehidupan.
kesempatan yang ada di depan mata.
Deep blue represents stability and
Red represents Tugu Insurance’s
quality. We provide stability and
experience, strong fundamentals,
quality services to overcome life’s
tenacity, assertiveness, and courage in
challenges.
facing various obstacles that occur as
well as facing the opportunities that lie
ahead.
Warna Biru The Color Blue
Mengartikan bahwa Tugu Insurance Gambar anak tangga Warna anak tangga
ekspertis, andal, dapat dipercaya dan
bertanggung jawab dalam menjalankan Staircase Color of the steps
bisnisnya. Anak tangga menggambarkan Penghormatan kepada sebuah awal mula.
Blue represents Tugu Insurance’s langkah yang harus diambil untuk Warna-warna anak tangga merupakan sebuah tribut
expertise, reliability, trustworthiness, mencapai tingkatan baru dengan kepada Pertamina, karena Tugu Insurance sebagai
and responsibility in conducting its rencana cermat, tepat dan semangat anak perusahaan dari perusahaan milik negara
businesses. #BeraniLebihBaik. tersebut. Ketiga warna anak tangga tersebut, yaitu
merah, biru, dan hijau merupakan warna korporat
The staircase represents the (corporate colour) dari PT Pertamina (Persero)
necessary steps we all must take to selaku induk usaha Tugu Insurance.
Warna Hijau The Color Green reach new heights, with careful and
Melambangkan keberlanjutan atau precise planning and the spirit of An homage to the beginning. The colors of the
sustainability dalam hal melaksanakan #BeraniLebihBaik. stairs are a tribute to Pertamina, as Tugu Insurance
tata kelola perusahaan yang baik. is a subsidiary of this state-owned company. The
three colors of the stairs, red, blue, and green, are
Green represents sustainability the corporate colors of PT Pertamina (Persero) as
in implementing good corporate the parent company of Tugu Insurance.
governance.
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Bidang Usaha
Business Line
Kegiatan Usaha Perusahaan
Company Business Activities
Maksud dan tujuan serta kegiatan usaha Tugu Insurance The purposes, objectives, and business activities of
berdasarkan Anggaran Dasar Perseroan sebagaimana Tugu Insurance as stipulated in the Company’s Articles
terakhir diubah berdasarkan Rapat Umum Pemegang Saham of Association, which were last amended by the General
yang dituangkan dalam Akta No. 123 tanggal 28 April 2023, Meeting of Shareholders as outlined in Deed No.123
Notaris Jose Dima Satria S.H., M.Kn., adalah melakukan dated 28 April 2023, passed before Jose Dima Satria S.H.,
usaha di bidang Perasuransian yaitu Asuransi Umum, M.Kn., as the notary, is to conduct business activities in the
yang meliputi: Insurance sector, namely, General Insurance, which includes:
1. Asuransi Non Jiwa Konvensional; 1. Conventional Non-Life Insurance;
2. Asuransi Non Jiwa Syariah. 2. Sharia Non-Life Insurance.
Untuk melaksanakan kegiatan usaha tersebut, Tugu To carry out these business activities, Tugu Insurance holds
Insurance telah memiliki izin-izin usaha sebagai berikut: 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 Nomor 24 Tahun 2018 tentang Pelayanan
Business Registration Number (NIB) Perizinan Berusaha Terintegrasi Secara Elektronik, Lembaga OSS menerbitkan NIB dengan nomor 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 number
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 pendirian, Perseroan telah mendapatkan izin usaha di bidang asuransi umum dari Departemen
Umum Keuangan Republik Indonesia melalui Direktorat Jenderal Moneter Dalam Negeri dengan Keputusan Direktur
Business License in the General Jenderal Moneter Dalam Negeri No. Kep-5572/MD/1981 tanggal 9 Desember 1981.
Insurance Sector
Izin usaha di bidang asuransi umum ini kemudian diperpanjang berdasarkan Keputusan Direktur Jenderal
Moneter Dalam Negeri No. Kep-8014/MD/1986 tentang Perpanjangan Izin Usaha PT Tugu Pratama Indonesia
(NPWP 1.302.218.1-21) untuk Berusaha dalam Bidang Asuransi Umum tertanggal 8 Desember 1986, dan
terus berlaku sampai dengan diperlukan perubahan.
Pada tahun 2018, status Perseroan berubah menjadi perusahaan terbuka dan nama Perseroan berganti
dari PT Tugu Pratama Indonesia menjadi PT Asuransi Tugu Pratama Indonesia Tbk, sehingga diperlukan
pembaruan izin usaha dari Otoritas Jasa Keuangan.
Pembaruan izin usaha dikeluarkan Anggota Dewan Komisioner Otoritas Jasa Keuangan melalui Keputusan
No. KEP-231/NB.11/2018 tanggal 19 Maret 2018 tentang Pemberlakuan Izin Usaha Di Bidang Asuransi
Umum Sehubungan 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 the name of the Company 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 Pratama
License to Open Branch Office with Indonesia No. KEP-I08/KM.5/2005 tertanggal 8 April 2005, berdasarkan Surat Rekomendasi No. U-044/
Sharia Principles DSNMUI/III/2005 tanggal 20 Maret 2005 dari Dewan Syariah Nasional Majelis Ulama Indonesia.
License to Open Branch Office with Sharia Principles as stipulated in the Decree of the Minister of Finance
concerning the License to Open Branch Office with Sharia Principles to PT Tugu Pratama Indonesia No.
KEP-I08/KM.5/2005 dated 8 April 2005, based on Letter of Recommendation No. U-044/DSNMUI/III/2005
dated 20 March 2005 from the National Sharia Board of the Indonesia 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 fiscal
tahun buku berdasarkan izin usaha yang dimiliki dapat dilihat year based on the business licenses are as follows:
sebagai berikut:
Telah (v)/
Kegiatan Usaha Berdasarkan Anggaran Dasar Belum Dijalankan (x) Keterangan
Business Activities Based on Articles of Association Has been Conducted (v)/ Description
Has Not Been Conducted (x)
Asuransi Umum Konvensional Dijalankan oleh Perseroan untuk segmen korporasi
Conventional General Insurance dan ritel.
Conducted by the Company for corporate and retail
segments.
Asuransi Umum Syariah Dijalankan oleh Perseroan untuk segmen berbasis
Sharia General Insurance syariah melalui Fungsi Syariah (Group Syariah).
Conducted by the Company for sharia-based segment
through Sharia Function (Sharia Group).
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Produk dan Jasa
Products and Services
Tugu Insurance terus melakukan terobosan dan inovasi Tugu Insurance relentlessly makes breakthroughs and
untuk memberikan layanan perlindungan terbaik melalui innovations to provide the best protection services
berbagai produk asuransi di segmen korporasi dan retail through various products in corporate and retail segments
(baik kovensional dan syariah) dan juga reasuransi. Dalam (conventional and sharia) and reinsurance. In performing
menjalankan kegiatan usaha, Tugu Insurance memiliki tim its business activities, Tugu Insurance has an experienced
yang berpengalaman dengan berbekal keahlian di bidangnya expert team in their respective fields to develop the products
masing-masing untuk mengembangkan produk & jasa & services provided.
yang diberikan.
Produk
Products
• Segmen Asuransi Korporasi; • Corporate Insurance Segment;
• Segmen Asuransi Retail. • Retail Insurance Segment.
ASURANSI KORPORASI CORPORATE INSURANCE
Tugu Insurance memberikan jaminan perlindungan yang Tugu Insurance provides insurance coverage for corporations
ditujukan untuk korporasi (konvensional dan syariah) dengan (conventional and sharia) with various insurance business
beberapa lini bisnis asuransi sebagai berikut: line as follows:
Energi Energy
Onshore dan Offshore Onshore and Offshore
Tugu Insurance hadir menawarkan produk asuransi energi yang memberikan jaminan
perlindungan atas risiko yang mungkin terjadi di masa mendatang secara maksimal dan
komprehensif. Asuransi energi memberi jaminan perlindungan seperti harta benda di darat,
harta benda di lepas pantai, pengendalian sumur, hingga rangka kapal dan mesin.
Tugu Insurance offers energy insurance products that provide the maximum and
comprehensive protection for risks that may occur in the future. Energy Insurance provides
insurance coverage such as onshore property, offshore property, well control, marine hull
and machinery.
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Kebakaran & Harta Benda Fire & Property
Produk perlindungan kebakaran dan harta benda meliputi berbagai produk asuransi
yang memberikan jaminan atas risiko kerugian pada aset, bangunan dan keseluruhan isi
pada bangunan.
Fire and property insurance consist of various products that cover the risks for the assets,
buildings, and what is inside the building.
Kelautan Marine
Marine Cargo dan Marine Hull Marine Cargo and Marine Hull
Tugu Insurance menawarkan perlindungan menyeluruh dalam setiap aktivitas perkapalan
dari berbagai risiko yang akan timbul, mulai dari pembangunan kapal hingga kegiatan
pengangkutan barang di laut.
Tugu Insurance offers comprehensive protection for various risks that may arise during the
shipbuilding and goods transport activities at sea.
Penerbangan & Satelit Satellite & Aviation
Memberikan perlindungan terhadap berbagai risiko yang dapat timbul dalam aktivitas
penerbangan dan peluncuran satelit.
Cover the risks that may arise in aviation activities and satellite launches.
Rekayasa Engineering
Produk Asuransi Rekayasa memberikan jaminan komprehensif terhadap seluruh kerugian
yang berdampak pada terhambatnya proyek bangunan selama masa proyek atau konstruksi
berlangsung, seperti proyek pemasangan mesin hingga beberapa kerusakan peralatan
elektronik yang diakibatkan karena terjadinya kecelakaan.
Engineering Insurance offers comprehensive coverage for all losses that result in delays
during the construction project, such as machine installation projects or damage to electronic
equipment due to accidents.
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Kredit & Penjaminan Credit & Surety
Asuransi Kredit & Penjaminan diberikan oleh Tugu Insurance untuk melindungi Tertanggung
apabila terjadi hal-hal buruk sehingga tidak mampu membayar pinjaman yang dimiliki.
Perlindungan ini memberikan jaminan agar Tertanggung tidak semakin dirugikan atas biaya-
biaya yang ditimbulkan dari kemungkinan buruk tersebut.
Credit & Surety insurance is provided by Tugu Insurance to protect the Insured if bad
things happen so that they are unable to pay the loan they have. This protection provides
a guarantee so that the Insured will not be further harmed by the costs resulting from this
bad possibility.
Kesehatan Health
Tugu Insurance Health Insurance (THIS) adalah program asuransi kesehatan untuk komersial
yang ditujukan kepada kumpulan/perusahaan bagi karyawannya.
Tugu Insurance Health Insurance (THIS) is a commercial health insurance program
addressed to groups/companies for their employees.
Tanggung Gugat Liability
Memberi pertanggungan asuransi tanggung gugat terhadap kerugian yang timbul dari klaim
pihak ketiga yang menderita kerugian (cidera badan dan/atau kerusakan harta benda) yang
diakibatkan oleh aktivitas tertanggung.
Provides liability insurance coverage for losses arising from claims by third parties who suffer
losses (bodily injury and/or property damage) resulting from the activities of the insured.
Aneka Miscellaneous
Memberikan perlindungan pada setiap kebutuhan pada beberapa hal jaminan risiko yang
tidak terjamin dalam produk asuransi lainnya, seperti halnya terjadi tuntutan dari pihak
ketiga, risiko kerugian finansial hingga risiko terjadinya kecelakaan.
This insurance provides protection for subjects that are beyond the coverage of other
insurances, such as an indictment from a third party, risks of financial loss, and risks
of accidents.
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ASURANSI RETAIL RETAIL INSURANCE
Menawarkan jaminan kerugian keuangan dan melindungi Offers financial loss coverage and protects various valuable
berbagai aset berharga, seperti rumah, kendaraan bermotor, assets, such as homes, motor vehicles and personal
serta keselamatan diri. Berikut adalah produk yang safety. The following are the products offered in the retail
ditawarkan di segmen asuransi retail: insurance segment:
Asuransi Kendaraan Bermotor
Motor Vehicle Insurance
Produk asuransi dengan perlindungan Produk asuransi dengan pemberian Asuransi yang menanggung biaya
menyeluruh kendaraan bermotor roda ganti rugi terhadap risiko kehilangan pengobatan medis & tradisional
empat yang memberikan ganti rugi atau kerusakan akibat kecelakaan untuk tulang retak dan patah
terhadap berbagai risiko kehilangan pada kendaraan bermotor roda dua. akibat kecelakaan.
serta kerusakan akibat kecelakaan.
Insurance product that provides Insurance that covers the costs of
Insurance product with comprehensive compensation for the risk of loss medical and traditional treatment
protection for four-wheeled motorized or damage due to accidents in two- for cracked and broken bones due
vehicles that provides compensation wheeled motorized vehicles. to accidents.
for various risks of loss and damage
due to accidents.
Asuransi yang menjamin ganti rugi kepada Tertanggung untuk pembayaran uang
muka pembelian kendaraan bermotor akibat kerugian total pada kendaraan bermotor
yang dipertanggungkan.
Insurance guarantees compensation to the Insured for the down payment for the purchase of
a motor vehicle due to the total loss of the insured motor vehicle.
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Asuransi Harta Benda
Property Insurance
Asuransi yang memberikan proteksi terhadap rumah tinggal Asuransi yang memberikan proteksi terhadap pemilik
dari segala risiko, seperti kecelakaan, bencana alam, dan penyewa tempat usaha dari segala risiko, seperti
tanggung jawab hukum, dan kebakaran. kecelakaan, bencana alam, tanggung jawab hukum,
dan kebakaran.
Insurance that provides protection for the home from all
risks, such as accidents, natural disasters, legal liability Insurance that provides protection for owners and tenants of
and fire. business premises from all risks, such as accidents, natural
disasters, legal liability and fire.
Asuransi Kesehatan
Health Insurance
Produk t foid memberikan santunan tunai harian kepada peserta sesuai yang tercantum
pada Ikhtisar Polis, apabila selama periode asuransi, peserta terkena penyakit thypus yang
memerlukan tindakan rawat inap di rumah sakit.
The t foid product provides daily cash compensation to participants as stated in the Policy
Summary, if during the insurance period, the participant is infected with typhus which
requires hospitalization.
Produk t dengue memberikan santunan tunai harian kepada peserta sesuai yang tercantum
pada Ikhtisar Polis, apabila selama periode asuransi, peserta terkena penyakit demam
berdarah dengue yang memerlukan tindakan rawat inap di rumah sakit.
The t dengue product provides daily cash compensation to participants as stated in the Policy
Summary, if during the insurance period, the participant is infected with dengue hemorrhagic
fever which requires hospitalization in hospital.
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Asuransi Kecelakaan Diri
Personal Accident Insurance
Asuransi yang memberikan Asuransi yang memberikan Asuransi yang menanggung biaya
perlindungan dari kecelakaan ringan perlindungan bagi para penumpang pengobatan medis & tradisional
maupun berat yang mengakibatkan pada saat melakukan perjalanan baik untuk tulang retak dan patah
meninggal dunia. di dalam maupun luar negeri. akibat kecelakaan.
Insurance that provides protection from Insurance that provides protection Insurance that covers the costs of
minor or serious accidents that result for passengers when travel both medical and traditional treatment
in death. domestically and abroad. for cracked and broken bones due
to accidents.
Asuransi yang menjamin kematian, cacat tetap baik sebagian maupun keseluruhan, dan biaya
pengobatan bagi para pemudik.
Insurance that covers death, permanent disability, both partial and total, and medical costs
for homecoming travelers.
Produk Lainnya
Other Products
Perlindungan online yang komprehensif melindungi pelanggan Anda dari penipuan
pembayaran elektronik, pencurian identitas, dan pembelian online yang barang hilang, hilang
atau rusak melalui pos atau tidak terkirim.
Comprehensive online protection that protects the customers from e-payment fraud, identity
theft, and missing items, damage, or undelivered online purchases.
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gas lube
Produk Asuransi ini memberikan santunan kepada Produk t lube memberikan manfaat santunan jika
Tertanggung atau ahli warisnya jika terjadi kerusakan pada Tertanggung mengalami kecelakaan pada saat berkendara
bangunan tempat tinggal Tertanggung, santunan meninggal serta santunan jika kendaraan tertanggung mengalami
dunia dan santunan biaya tempat tinggal sementara akibat constructive total loss akibat kecelakaan.
kebakaran, petir, ledakan, kejatuhan pesawat terbang, asap
dari kebakaran bangunan (kecuali asap akibat kebakaran The t lube product provides compensation benefits if
hutan atau gambut). the Insured has an accident while driving as well as
compensation if the insured's vehicle experiences a
This insurance product provides compensation to the constructive total loss due to an accident.
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, smoke from building fires (except smoke
resulting from forest fires or peat fire).
JASA SERVICES
Tugu Insurance juga berkomitmen untuk selalu Tugu Insurance is also committed to always prioritizing
mengutamakan kepuasan pelanggan, dengan memberikan customer satisfaction, by providing accessible excellence
pelayanan terbaik yang selalu bisa dijangkau oleh para service to the customers such as:
pelanggan seperti:
1. Call TIA (Tugu Insurance Assistance) 1. Call TIA (Tugu Insurance Assistance)
Pelayanan Konsumen tersedia 24 jam 7 hari melalui “Call Customer Service is available 24/7 via “Call TIA”
TIA” 1500 458, WhatsApp 081197900100 dan email ke 1500458, WhatsApp 081197900100 and email to
calltia@tugu.com. Call TIA selalu terjaga untuk melayani calltia@tugu.com. Call TIA is always ready to serve
kebutuhan informasi produk, layanan polis asuransi, customers with product information, insurance policy
lapor klaim, hingga bantuan darurat di jalan raya. services, claim reports, to emergency assistance on
the road.
2. t rex (Tugu Real Experience) 2. t rex (Tugu Real Experience)
Layanan bantuan 24 jam yang dilengkapi dengan tiga 24-hour service assistance equipped with three types of
jenis armada yaitu unit kendaraan derek, unit kendaraan fleets, namely crane units, towing units, and motorcycles.
towing dan sepeda motor. Tugu Insurance memberikan Tugu Insurance provides the first emergency response,
penanganan darurat pertama, dimulai dari kejadian starting from a leaky tire, battery jumper, to unexpected
ban bocor, jumper aki, hingga kejadian yang tak terduga incidents such as road accidents.
seperti kecelakaan di jalan raya.
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3. Aplikasi t drive 3. t drive Application
Untuk meningkatkan kesadaran mengemudi kendaraan To increase awareness of safety-driving behavior,
secara aman, Tugu Insurance meluncurkan aplikasi t Tugu Insurance has launched t drive application. This
drive. Aplikasi ini dapat diunduh via smartphone oleh application can be downloaded on a smartphone via
masyarakat luas melalui Google Play untuk Android Google Play for the Android platform and the Apple App
platform dan Apple App Store. Store.
Peluncuran aplikasi t drive merupakan salah satu The launch of the t drive application is one of Tugu
upaya Tugu Insurance untuk hadir memenuhi kebutuhan Insurance’s efforts to meet the needs of society in
masyarakat di era digital. Selain membantu untuk the digital era. Apart from helping to analyze driver
menganalisis perilaku maupun keterampilan pengemudi, behavior and skills, the t drive application also provide
aplikasi t drive akan memudahkan pelanggan dalam convenience to the customer on making premium
pembayaran premi dan pengajuan klaim. payment and claims submission.
Kini, aplikasi safety driving t drive sudah berkembang Now, the t drive safety driving apps have been developed
menjadi versi 2.7.9, yang menjadi one stop solution into version 2.7.9, which become a one stop solution
services. Konsumen bisa menghubungi contact center service. Consumers can contact the Tugu Insurance
Tugu Insurance 24 jam dan juga mendapatkan layanan 24-hour contact center and get ERA services if they are
ERA bila kendaraan mereka mengalami masalah. having problem with their vehicles.
• Fitur Competition • Competition Feature
Pada versi terbaru, konsumen dapat menggunakan In the latest version, consumers can use the
fitur kompetisi untuk mengukur cara berkendara competition feature to measure how to ride for
untuk #BeraniLebihBaik. Konsumen yang #BeraniLebihBaik. Consumers who have an
memiliki komunitas otomotif dapat mendaftarkan automotive community can register their community
komunitasnya untuk mengikuti kompetisi, dan to participate in the competition and receive
mendapatkan hadiah menarik. attractive rewards.
• Fitur Beli Polis • Purchase Policy Feature
Saat ini, konsumen dapat langsung melakukan Currently, consumers can directly purchase and t
pembelian produk asuransi kendaraan bermotor roda drive for four-wheeled motorized vehicle and t ride
empat t drive dan asuransi kendaraan bermotor roda for two-wheeled motorized vehicle insurance. Active
dua t ride. Pengguna aktif t drive apps akan diberikan users of t drive apps will be rewarded t coins with
reward berupa t coins yang besarnya didasarkan pada the amount based on the trip assessment score. The
skor penilaian perjalanan. t coins yang dikumpulkan, accumulated t coins can be used as a discount for
dapat dijadikan diskon untuk pembelian produk purchasing insurance products of Tugu Insurance sold
asuransi Tugu Insurance yang dijual melalui aplikasi through the t drive apps.
t drive apps.
4. Aplikasi t friends 4. t friends Application
Untuk mempermudah tenaga pemasaran Tugu Insurance This app provides convenience for Tugu Insurance’s
baik internal (marketing officer) maupun eksternal (agent marketing personnel, both internal (marketing officer)
Tugu Insurance) dalam menjual produk Asuransi dari and external (Tugu Insurance agent) to sell insurance
Tugu Insurance. Aplikasi t friends dapat diunduh melalui products from Tugu Insurance. The t friends application
Google Play untuk platform Android dan Apple App Store. can be downloaded via Google Play for the Android
Aplikasi t friends memiliki fitur untuk: platform and the Apple App Store. The t friends app has
features for:
• Penjualan produk asuransi retail; • Sales of retail insurance products;
• Melihat penawaran dan polis yang sudah terjual; • Viewing offers and policies that have been sold;
• Melihat laporan komisi. • Viewing commission reports.
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Peta Wilayah Operasional
Operational Areas
Tugu Insurance beroperasi di Indonesia dan memiliki wilayah Tugu Insurance operates in Indonesia and has overseas
operasi di luar negeri dengan adanya Kantor Perwakilan di operating areas with Representative Offices in Hong Kong,
Hong Kong, dan London. Tugu Insurance berkantor pusat di and London. Tugu Insurance is headquartered in DKI Jakarta
DKI Jakarta dan mempunyai 31 Point of Sales and Services and has 31 Point of Sales and Services (PoSS) in major
(PoSS) di kota-kota besar dan titik strategis Indonesia, yaitu cities and strategic points in Indonesia, namely in Surabaya,
di Surabaya, Bandung, Semarang, Cirebon, Denpasar, Medan, Bandung, Semarang, Cirebon, Denpasar, Medan, Palembang,
Palembang, Lampung, Pekanbaru, Balikpapan, Makassar, Lampung, Pekanbaru, Balikpapan, Makassar, Serpong, and
Serpong, dan Group & Related Business. Group & Related Business.
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Point of Sales and Services (PoSS)
Regional 1 Regional 2
1. MEDAN POSS 10. BEKASI POSS 1. BANDUNG POSS 9. MAKASSAR POSS
Jl. Palang Merah No. 116 Ruko Emerald Summarecon Jl. BKR No. 19 A RT. 09/ Jl. Lamadukelleng Buntu
Medan 20112 Bekasi Blok UF 09, RW. 06 Kel. Cijagra, No. 82 Mariso, Kunjung
Telp: +62-61-457 7705, RT. 005/RW. 011 Marga Kec. Lengkong Bandung Mae, Makassar, Sulawesi
+62-61-414 5411 Mulya, Kota Bekasi 17113 40254 Selatan 90111
Fax: 061 - 88817406 Telp: 62-22-8732 8455, Telp: 021-529-61777
11. KARAWANG POSS 62-22-7328 0955
2. PEKANBARU POSS Grand Taruma, 10. PALU POSS
Sudirman City Square, Ruko Jl. Dharmawangsa II 2. CIREBON POSS Jl. Towua, Kel. Tatura
No. A-01 Jl. Jend. Sudirman, Blok HW No. 29 RT. 015 Cirebon Super Block Office Selatan, Kec. Palu Selatan,
Pekan Baru Riau 28111 RW. 008, Kel. Sukamakmur, Park P10, Jl. Dr. Cipto Kota Palu,
Telp: 0761-865 6207, Kec. Telukjambe Timur, Mangunkusumo No. 26 Prov. Sulawesi Tengah
0761-865 6631 Karawang Barat 41361 Cirebon 45131 Jawa Barat
11. BALIKPAPAN POSS
3. PALEMBANG POSS 12. SERANG POSS 3. SEMARANG POSS Komplek Pertokoan
Kompleks Pertamina Jl. Jendral Sudirman No. 65, Jl. M.T. Haryono No. 798 B Balikpapan Super Block
Kenten, Jl. AKBP Cek Agus Sumur Pecung, Kec. Serang. Semarang 50124, (BSB) Blok E No. 11 Jl.
No. 12, 8 Ilir Ilir Timur Kota Serang, Banten 42118 Jawa Tengah Jend. Sudirman, Balikpapan
Palembang 30114 Telp: 024-841-0677, Kalimantan Timur
Telp: +62-711-573 3633 13. PONDOK INDAH POSS 024-841-0678 Telp: 0542-721 9899
+62-711-573 3376 Jl. Radio Dalam Raya Fax: 0542-7219979
Fax: 0711-5733771 No. 34, Kebayoran Baru – 4. SOLO POSS
Jakarta Selatan, Indonesia Sentra Niaga Solo Baru 12. PONTIANAK POSS
4. LAMPUNG POSS Komplek The Park Mall, Komplek Perkantoran
Jl. Jend. Sudirman No. 14. BOGOR POSS Jl. Soekarno Blok A No. 5A Pontianak Mall
23 C-D Bandar Lampung Ruko Casablanca, Solo Baru Jl. Teuku Umar Blok C-25
35111 Jl. KS Tubun No. 1- 6 Telp: 0561 - 8185-627
Telp: 0721-601 1311 Cibuluh, Kec. Bogor Utara, 5. YOGYAKARTA POSS
Kota Bogor – Jawa Barat Jl. Affandi No. 29 C1 RT. 12 13. SAMARINDA POSS
5. GROUP & RELATED POSS 16151 RW. 5, Mrican, Caturtunggal, Komplek Ruko Grand
Jl. H.R. Rasuna Said Kav Depok, Sleman, Yogyakarta Mahakam Jl. Siradj Salman
C8-9 Jakarta 12920 15. JAMBI POSS Samarinda, Kecamatan
Komplek Ruko Transmart 6. SURABAYA POSS Samarinda Ulu, Kota
6. WISMA TUGU I POSS Jambi Blok A 20, Wisma Tugu Darmo Jl. Raya Samarinda, Kalimantan
Jl. H.R. Rasuna Said Kav Jl. Jend. Sudirman, Kel. Darmo No. 64 Surabaya, Timur 75243
C8-9 Jakarta 12920 Tambak Sari, Kec. Jambi Jawa Timur 60264 Telp: 0541 7810179
Selatan, Kota Jambi 36139 Telp: 031-566-4470
7. KELAPA GADING POSS Telp: 0741-3603-724 Fax: 031-5664471 14. BANJARMASIN POSS
Ruko Italian Walk Blok C No. Jl. Gatot Subroto Raya
09, Jl. Boulevard Barat Raya 16. PADANG POSS 7. MALANG POSS No. 113, Kelurahan
No. 1, Kelapa Gading Barat Jl. Kis Mangunsarkoro No. 3 Ruko Sarangan Kebun Bunga, Kecamatan
Kel. Jati Baru Kec. Padang Jl. Sarangan 1E, Lowokwaru Banjarmasin Timur, Kota
8. CIBUBUR POSS Timur, Kota Padang Malang 65141 Banjarmasin, Kalimantan
Mall Cibubur Junction Jl. Telp: 0751-8957288 Telp: 0341-43877377 Selatan 70235
Jambore No. 1, RT. 8/RW. Telp: 0511-678-2954
7, Cibubur, Kec. Ciracas, 17. ACEH POSS 8. DENPASAR POSS
Kota Jakarta Timur, Daerah Jl. DR. Mr. H. T. Muhammad Jl. Gatot Subroto No. 335,
Khusus Ibukota Jakarta Hasan, Gampong, Denpasar Bali 80111
13720 No. Unit: LT2 - 55 Sukadamai, Kec. Lueng Telp: 0361-909-3160
Bata, Kota Banda Aceh
9. SERPONG POSS x
CILEGON POSS
Ruko Bolsena Blok A 33,
Jl. Gading Serpong
Boulevard No. 33,
Kabupaten Tangerang,
Banten 15811
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Kantor Perwakilan
Representative Offices
Hong Kong London
Tugu Insurance Company Limited TRB Limited
28/F United Asia Finance Centre Chase End, Cobbins Chase,
333 Lockhart Road, Wanchai, Burnham on Crouch,
Hong Kong Essex CM0 8QF, England
Telp: +852 282 42939 Telp: +441 621 784 818
Fax: +852 282 43070
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Keanggotaan dalam Asosiasi
Membership in Associations
Tugu Insurance mengikuti keanggotaan asosiasi sesuai Tugu Insurance partakes in association membership in
dengan bidang usaha perusahaan dan statusnya sebagai corresponding with the Company’s line of business and its
perusahaan terbuka. Asosiasi/perhimpunan yang diikuti status as a public company. The associations in which the
Perseroan selama tahun 2023 adalah sebagai berikut: Company took part throughout 2023 are as follows:
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 (AEI) Member
5 Kamar Dagang & Industri Indonesia (KADIN) Anggota
Indonesian Chamber of Commerce and Industry (KADIN) Member
6 Indonesia Corporate Secretary Association (ICSA) Anggota
Member
7 Indonesia Senior Executive Association (ISEA) Corporate Strategic Partner
8 PERHUMAS (Perhimpunan Hubungan Masyarakat Indonesia) Anggota
PERHUMAS (Indonesian Public Relations Association) Member
9 PR Society Communication Management Anggota & Pengurus
Member & Management
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Struktur Organisasi Tugu Insurance
Tugu Insurance Organizational Structure
Struktur Organisasi Tugu Insurance berdasarkan SK Direksi No. 169/
SKD/04/HCM-OPR/ATPI/2023 tanggal 18 Desember 2023 tentang
Penempatan/Penugasan Pekerja pada Struktur Organisasi PT Asuransi Internal Audit Group Head
Tugu Pratama Indonesia Tbk.
Resti Setia Utari
Tugu Insurance’s Organization Structure is based on the Board of
Directors Decision Letter No. 169/SKD/04/HCM-OPR/ATPI/2023
dated 18 December 2023 regarding the Organizational Structure of
PT Asuransi Tugu Pratama Indonesia Tbk.
Direktur Pemasaran Asuransi
Director of Insurance Marketing
Ery Widiatmoko
SVP Strategic Management &
SVP Marketing
Corporate Development
Ibrahim Jauhari
Kristy Damayanti
Strategic Management Strategic Business I Broker Business
Group Head Group Head Group Head
Vacant Agung Hirawan Alma Fatrizal
Strategic Business II Business Development
Group Head Group Head
Rully Hendra Wijaya Jonathan David Nandana
Strategic Business III Sales & Distribution
Group Head Group Head
Carolina Ledy Babbyana Derry Tantawi
Sharia Insurance
Group Head
Natalia Maulina
Premium Collection
Department Head
Yudi Bujagunasti
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Presiden Direktur
President Director
Tatang Nurhidayat
Corporate Secretary
Rudy Samudra Kristianto
Direktur Kepatuhan &
Direktur Keuangan & Layanan Korporat
Direktur Teknik Manajemen Risiko
Director of Corporate Finance &
Technical Director Director of Compliance &
Services
Risk Management
Sudarlin Emil Hakim
Edi Yoga Prasetyo*
Information Technology & Investment & ERM &
Operation Group Head
Facilities Group Head Treasury Group Head Policy Group Head
Citra Pusparini
Achmad Taufik Firdaus Edwar (Plt) Ismawati
Human Capital Management Financial Accounting Legal & Compliance
Claim Group Head
Group Head Group Head Group Head
Ruswan Noviandi J.S.
Jusman Hutama Andy Prasetyo Wibowo Vacant
Underwriting I Group Head Sharia Finance Management Accounting Research, Development &
Department Head Group Head Transformation Group Head
Tony Yuliawan
Ariefianto Solihin Basuni Rachmat Hidayat (Pjs)
Procurement
Underwriting II Group Head Actuary
Department Head
Rendy Andrias (Pjs) M. Ivan Faizal
Budi Adinugraha (Plt)
Reinsurance Group Head
* Lulus penilaian Kemampuan dan Kepatutan OJK berdasarkan Keputusan OJK No. KEP-5/D.05/2024
Vacant tanggal 18 Januari 2024.
* Passed the OJK Fit and Proper Test based on OJK Decree No. KEP-5/D.05/2024 dated 18 January 2024.
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Profil Dewan Komisaris
Board of Commissioners’ Profiles
Perubahan dalam Komposisi Dewan Komisaris
Changes in the Board of Commissioners
Di tahun 2023, Perseroan mengalami perubahan komposisi In 2023, there were changes in the composition of
Dewan Komisaris berdasarkan Keputusan Rapat Umum the Company's Board of Commissioners based on the
Pemegang Saham Tahunan (RUPST) tanggal 28 April 2023 Resolution of Annual General Meeting of Shareholders
sebagai berikut: (AGMS) on 28 April 2023:
Jabatan pada Periode Jabatan sejak RUPST
1 Januari 2023 s.d. 28 April 2023 s.d. 31
Nama RUPST 28 April 2023 Desember 2023 Keterangan
Name Position in the Period 1 Position from AGMS Remarks
January 2023 until AGMS 28 April 2023 until 31
28 April 2023 December 2023
Dian Masyita Presiden Komisaris & Presiden Komisaris & -
Komisaris Independen Komisaris Independen
President Commissioner & President Commissioner &
Independent Commissioner Independent Commissioner
Amelia Kurniawan Komisaris - Tidak lagi menjabat sebagai Komisaris sejak
Commissioner ditutupnya RUPST 28 April 2023.
No longer serves as Commissioner since the closing
of the AGMS on 28 April 2023.
Bagus Agung Rahadiansyah Komisaris Komisaris -
Commissioner Commissioner
Adi Zakaria Afiff Komisaris Independen - Tidak lagi menjabat sebagai Komisaris Independen
Independent Commissioner sejak ditutupnya RUPST 28 April 2023.
No longer serves as Independent Commissioner since
the closing of the AGMS on 28 April 2023.
Samuel Lie - Komisaris Diangkat sebagai Komisaris berdasarkan keputusan
(Samuel Ramna) Commissioner RUPST 28 April 2023. Beliau telah lulus penilaian
Kemampuan dan Kepatutan Otoritas Jasa Keuangan
(OJK) berdasarkan Keputusan Dewan Komisioner
Nomor KEP-41/KDk.05/2023 tanggal 4 Desember
2023.
Appointed as Commissioner based on the resolution
of the AGMS 28 April 2023. He has passed the
Fit and Proper Test of the Financial Services
Authority (OJK) based on the Decree of the Board of
Commissioners Number KEP-41/KDk.05/2023 dated
4 December 2023.
Poerwo Tjahjono Komisaris Independen Komisaris Independen -
Independent Commissioner Independent Commissioner
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Jabatan pada Periode Jabatan sejak RUPST
1 Januari 2023 s.d. 28 April 2023 s.d. 31
Nama RUPST 28 April 2023 Desember 2023 Keterangan
Name Position in the Period 1 Position from AGMS Remarks
January 2023 until AGMS 28 April 2023 until 31
28 April 2023 December 2023
Tajudin Noor - Komisaris Independen Diangkat sebagai Komisaris Independen berdasarkan
Independent Commissioner keputusan RUPST 28 April 2023. Beliau telah lulus
penilaian Kemampuan dan Kepatutan Otoritas Jasa
Keuangan (OJK) berdasarkan Keputusan Dewan
Komisioner Nomor KEP-6/D.05/2024 tanggal 18
Januari 2024.
Appointed as Commissioner based on the resolution
of the AGMS 28 April 2023. He has passed the
Fit and Proper Test of the Financial Services
Authority (OJK) based on the Decree of the Board of
Commissioners Number KEP-6/D.05/2024 dated 18
January 2024.
Berdasarkan perubahan komposisi tersebut, anggota Based on the last changes in the composition, the
Dewan Komisaris Perseroan per 31 Desember 2023 adalah Company’s Board of Commissioners members as of 31
sebagai berikut: December 2023 is as follows:
Nama Jabatan
Name Position
Dian Masyita Presiden Komisaris & Komisaris Independen
President Commissioner & Independent Commissioner
Bagus Agung Rahadiansyah Komisaris
Commissioner
Samuel Lie (Samuel Ramna) Komisaris
Commissioner
Poerwo Tjahjono Komisaris Independen
Independent Commissioner
Tajudin Noor Komisaris Independen
Independent Commissioner
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Dian Masyita
Presiden Komisaris &
Komisaris Independen
President Commissioner &
Independent Commissioner
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Periode Masa Jabatan: 17 Mei 2022 s.d. Penutupan RUPST 2025.
Term of Office Period: 17 May 2022 until the Closing of 2025 AGMS.
Warga Negara Indonesia, kelahiran Bukittinggi (usia 48 tahun), Indonesian citizen, born in Bukittinggi (48 years old), domiciled in
berdomisili di Depok, Jawa Barat. Depok, West Java.
Diangkat sebagai Presiden Komisaris dan Komisaris Independen Appointed as President Commissioner and Independent
sesuai keputusan RUPST tanggal 17 Mei 2022 yang dituangkan Commissioner for the first term based on the Resolution of the
dalam Akta Notaris No. 51 tanggal 17 Mei 2022, Notaris Jose Dima AGMS dated 17 May 2022 as outlined in the Notary Deed No. 51
Satria S.H., M.Kn. Beliau telah lulus penilaian Kemampuan dan on 17 May 2022, Notary Jose Dima Satria S.H., M.Kn. She has
Kepatutan OJK berdasarkan Keputusan Dewan Komisioner No. Kep- passed the OJK Fit and Proper Assessment based on the Decree
47/KDK.05/2022 tanggal 11 Oktober 2022. of the Commissioner Board No. Kep- 47/KDK.05/2022 dated 11
October 2022.
Dian Masyita lulus dari Universitas Padjajaran dengan gelar Sarjana Dian Masyita graduated from Padjajaran University with a Bachelor
Ekonomi di bidang Manajemen Keuangan pada tahun 1997 dan of Economics in Financial Management in 1997 and a Master
gelar Master Teknik dari program Teknik Manajemen Industri dari of Engineering degree from Industrial Management Engineering
Institut Teknologi Bandung (ITB) pada tahun 2001. Selain itu, program from Bandung Institute of Technology (ITB) in 2001.
Dian Masyita meraih gelar Postgraduate Diploma in Finance dari Additionally, Dian Masyita obtained a Postgraduate Diploma in
Maastricht School of Management (MsM) Netherlands pada tahun Finance from Maastricht School of Management (MsM) Netherlands
2007 dan meraih gelar Ph.D. dalam ilmu Islamic Banking & Finance in 2007 and a Ph.D. in Islamic Banking & Finance from the
dari University of Durham, UK pada tahun 2012. University of Durham, UK in 2012.
Dian Masyita mendapat sertifikat Digital Leadership, Executive Dian Masyita received a certificate in Digital Leadership, Executive
Education Program dari Massachussetts Institute of Technology Education Program from Massachusetts Institute of Technology
(MIT), USA tahun 2022. Beliau juga memiliki kompetensi manajemen (MIT), USA in 2022. She also has competency in risk management
risiko dengan kualifikasi Profesional Tata Kelola Risiko Berkualifikasi with the Qualified Risk Governance Professional (QRGP) qualification
(Qualified Risk Governance Professional (QRGP)) yang diterbitkan oleh issued by the National Professional Certification Agency (BNSP).
Badan Nasional Sertifikasi Profesi (BNSP).
Dian ditunjuk sebagai Panitia Seleksi Dewan Komisioner OJK Dian was appointed as the Selection Committee of OJK's Board
tahun 2023 dengan SK Presiden RI. Beliau juga pernah menjabat of Commissioners in 2023 based on Presidential Decree. She
sebagai Project Manager Waqf Core Principles di Bank Indonesia also served as Project Manager of Waqf Core Principles at Bank
pada tahun 2014 hingga 2018. Dian merupakan Asesor di BAN-PT Indonesia from 2014 to 2018. Dian is an Assessor at National
Kemenristekdikti dari tahun 2014 dan Reviewer Beasiswa LPDP Accreditation Agency for Higher Education of Ministry of Research,
Kementerian Keuangan dari tahun 2015 sampai sekarang. Beliau Technology and Higher Education from 2014 and LPDP Scholarship
juga menjabat sebagai anggota Dewan Pakar Rumah Zakat dari Reviewer at the Ministry of Finance from 2015 until present. She is
tahun 2019 dan anggota BWI angkatan pertama di tahun 2007. also a member of the Expert Council of Rumah Zakat from 2019 and
a member of the first batch of BWI in 2007.
Di tahun 2019, Dian Masyita mencapai jabatan Profesor Keuangan In 2019, Dian Masyita achieved the position of Professor of Finance
di Universitas Padjajaran dan diamanahi menjadi Dekan dari at Padjadjaran University and was entrusted to be the Dean of the
Fakultas Ekonomi dan Bisnis (FEB) di Universitas Islam Internasional Faculty of Economics and Business (FEB) at the International Islamic
Indonesia (UIII), kampus PTNBH baru yang merupakan Proyek University of Indonesia (UIII), the new PTNBH campus, which is a
Strategis Nasional (PSN) di tahun 2020. Dian Masyita aktif National Strategic Project (PSN) in 2020. Dian Masyita has been
di organisasi profesi seperti MES, IAEI, ISEI dan AFEBI sejak active in professional organizations such as MES, IAEI, ISEI, and
tahun 2013. AFEBI since 2013.
Beliau mempunyai pengalaman yang matang di bidang bisnis dan She has an established experience in business and finance as well
keuangan serta telah meraih berbagai penghargaan, di antaranya as has won various awards, including The Top 5 Most Influential
The Top 5 Most Influential Women in Islamic Finance & Business Women in Islamic Finance & Business awarded by Cambridge IFA -
yang dianugerahi oleh Cambridge IFA - UK di tahun 2020, The Best the UK in 2020, The Best Professional awarded by Obsession Media
Professional yang dianugerahi oleh Obsession Media Group di tahun Group in 2020, and The Best Sharia 2018 awarded by Investor
2020, dan The Best Syariah 2018 yang dianugerahi oleh Majalah Magazine - Indonesia. Various academic awards achieved are the
Investor - Indonesia. Berbagai academic awards yang diraih adalah Kedaireka Matching Fund from Ministry of Research, Technology and
Matching Fund Kedaireka, Kemendikbudristekdikti tahun 2022, Higher Education in 2022, Grant from Bank Indonesia Supervision
Hibah Badan Supervisi Bank Indonesia tahun 2022, Australian Agency in 2022, Australian Award Short Course in 2022, and
Award Short Course tahun 2022, dan Research Grant Bank Research Grant Bank Indonesia in 2021.
Indonesia tahun 2021.
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Bagus Agung
Rahadiansyah
Komisaris
Commissioner
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Periode Masa Jabatan: 17 Mei 2022 s.d. Penutupan RUPST 2025.
Term of Office Period: 17 May 2022 until the Closing of 2025 AGMS.
Warga negara Indonesia, kelahiran Jakarta (usia 48 tahun), Indonesian citizen, born in Jakarta (48 years old), domiciled
berdomisili di Jakarta Selatan. in South Jakarta.
Diangkat sebagai Komisaris Perseroan untuk periode masa Appointed as Commissioner of the Company for the first
jabatan pertama berdasarkan keputusan RUPST tanggal term based on the Resolution of the AGMS dated 17
17 Mei 2022 yang dituangkan dalam Akta Notaris No. 51 May 2022 as outlined in the Notary Deed No. 51 on 17
tanggal 17 Mei 2022, Notaris Jose Dima Satria S.H., M.Kn. May 2022, Notary Jose Dima Satria S.H., M.Kn. He has
Beliau telah lulus penilaian Kemampuan dan Kepatutan OJK passed the OJK Fit and Proper Test based on Board of
berdasarkan Keputusan Dewan Komisioner No. KEP-29/ Commissioners Decree No. KEP-29/KDK.05/2023 dated 23
KDK.05/2023 tanggal 23 Juni 2023. June 2023.
Bagus Agung Rahadiansyah memiliki beberapa sertifikat Bagus Agung Rahadiansyah has several risk management
kualifikasi kompetensi manajemen risiko yang diterbitkan competence certificates issued by the National Professional
oleh Badan Nasional Sertifikasi Profesi (BNSP) di antaranya: Certification Agency (BNSP) such as Qualified Risk
Profesional Tata Kelola Risiko Berkualifikasi (Qualified Governance Professional (QRGP), Banking Risk Management
Risk Governance Professional/QRGP), Manajemen Risiko Level 4, and Treasury Dealer Level Advance. He also has
Perbankan Level 4, dan Treasury Dealer Level Advance. an International Certificate in Banking Risk and Regulation
Beliau juga memiliki International Certificate in Banking Risk issued by the Global Association of Risk Professionals
and Regulation yang dikeluarkan oleh Global Association of (GARP) and BSMR.
Risk Professionals (GARP) dan BSMR.
Bagus Agung Rahadiansyah lulus dan meraih gelar Sarjana Bagus Agung Rahadiansyah graduated and earned a
Ekonomi bidang Manajemen Keuangan dari Fakultas Bachelor of Economics degree in Financial Management
Ekonomi Universitas Indonesia pada tahun 2001. Beliau juga from the Faculty of Economics, University of Indonesia in
memiliki gelar Diploma in Technical Analysis dari Australian 2001. He also obtained a Diploma degree in Technical
Technical Analysts Association yang bekerja sama dengan Analysis from the Australian Technical Analysts Association
Securities Institute of Australia. in cooperation with Securities Institute of Australia.
Beliau memiliki berbagai pengalaman yang kuat di bidang He has various excellent experiences in the financial sector,
keuangan dibuktikan dengan perjalanan karier yang baik di as proven by a good career path in several leading financial
beberapa lembaga keuangan dan perbankan terkemuka, di and banking institutions, such as has served as Trader at
antaranya pernah menjabat sebagai Trader di PT Danareksa PT Danareksa (Persero), AVP Institutional Sales at Hongkong
(Persero), AVP Institutional Sales di Hongkong and Shanghai and Shanghai Banking Corporation Limited Jakarta Branch
Banking Corporation Limited Jakarta Branch (2006-2008), (2006-2008), Head of Investor Sales at PT Bank ANZ
Head of Investor Sales di PT Bank ANZ Indonesia (2008- Indonesia (2008-2015), Head of Investor Sales, Citibank NA
2015), Head of Investor Sales di Citibank NA Jakarta branch Jakarta branch (2015-2019), Head of Investor Sales at PT
(2015-2019), dan Head of Investor Sales di PT Bank ANZ Bank ANZ Indonesia (2019-2020). Currently, he still actively
Indonesia (2019-2020). Saat ini beliau juga masih aktif serves as Senior Vice President Corporate Finance at the
menjabat sebagai Senior Vice President Corporate Finance Finance Directorate of PT Pertamina (Persero) since 2020.
di Direktorat Keuangan PT Pertamina (Persero) sejak
tahun 2020.
Selama karirnya, Bagus Agung Rahadiansyah aktif dalam During his career, Bagus Agung Rahadiansyah active
kepengurusan asosiasi profesional di industri seperti in the management of professional associations in
Indonesia Foreign Exchange Market Committee dan ACI FMA the industry such as the Indonesia Foreign Exchange
Indonesia. Beliau pernah terlibat aktif dalam berbagai task Market Committee and ACI FMA Indonesia. He has been
force maupun inisiatif bersama otoritas dan pemangku actively involved in various task forces and initiatives with
kepentingan industri keuangan seperti Otoritas Jasa financial industry authorities and stakeholders such as
Keuangan, Bank Indonesia serta Kementerian Keuangan the Financial Services Authority, Bank Indonesia and the
Republik Indonesia. Beliau juga pernah memperoleh Ministry of Finance of the Republic of Indonesia. He has
beberapa izin profesi industri keuangan dan pasar modal also obtained several professional permits for the financial
seperti Wakil Perantara Pedagang Efek, Wakil Penjamin Emisi industry and capital markets such as Securities Broker
Efek, serta Wakil Pialang Berjangka. Representative, Underwriter Representative, and Futures
Broker Representative.
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Tajudin Noor
Komisaris Independen
Independent Commissioner
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Periode Masa Jabatan: 28 April 2023 s.d. Penutupan RUPST 2026.
Term of Office Period: 28 April 2023 s.d. Closing of 2026 AGMS.
Warga negara Indonesia, kelahiran Balikpapan (usia 57 Indonesian citizen, born in Balikpapan (57 years old),
tahun), berdomisili di Bogor, Jawa Barat. domiciled in Bogor, West Java.
Menjabat sebagai Komisaris Independen untuk periode Served as Independent Commissioner for the first term of
masa jabatan pertama sesuai keputusan RUPST tanggal 28 office in accordance with the AGMS decision on 28 April
April 2023 yang dituangkan dalam Akta No. 122 tanggal 28 2023 as outlined in Deed No. 122 dated 28 April 2023 from
April 2023 dari Notaris Jose Dima Satria, S.H., M.Kn. Beliau Notary Jose Dima Satria, S.H., M.Kn. He has passed the
telah lulus penilaian Kemampuan dan Kepatutan Otoritas Financial Services Authority (OJK) Fit and Proper Test based
Jasa Keuangan (OJK) berdasarkan Keputusan Dewan on the Decree of the Board of Commissioners No. KEP-
Komisioner No. KEP-6/D.05/2024 tanggal 18 Januari 2024. 6/D.05/2024 dated 18 January 2024.
Beliau memperoleh gelar Sarjana Ekonomi Manajemen He obtained a Bachelor of Management Economics
dari Universitas Airlangga pada tahun 1992 dan Magister degree from Airlangga University in 1992 and a Masters
Manajemen dan Bisnis dari Institut Pertanian Bogor pada in Management and Business from the Bogor Agricultural
tahun 2015. Institute in 2015.
Beliau memiliki berbagai sertifikasi, seperti Coaching the He has obtained various of certifications, such as Coaching
Culture Leader pada tahun 2000 yang diselenggarakan the Culture Leader in 2000 which was held by PT HRD
oleh PT HRD Indonesia, Penyelenggara Analisa Jabatan Indonesia, Organizing Job Analysis for Analysis based
untuk Analisis berdasarkan Hay Sistem pada 2003 yang on the Hay System in 2003 which was held by PT Bina
diselenggarakan PT Bina Kompetensia Pesona, Quallity Kompetensia Pesona, Quality Management System in
Management System pada 2015 yang diselenggarakan 2015 which was held by PT BSI Group Indonesia, Global
PT BSI Group Indonesia, Global Executive Development Executive Development Program in 2016-2017 held by the
Programme pada tahun 2016-2017 yang diselenggarakan National University of Singapore, and ISO 31000:2018
National University of Singapore, dan Sertifikasi Manajemen based Risk Management Certification in 2023 held by Widya
Risiko berbasis ISO 31000:2018 pada tahun 2023 yang Dharma Artha.
diselenggarakan Widya Dharma Artha.
Beliau memulai kariernya di PT Pertamina (Persero) sejak He started his career at PT Pertamina (Persero) from 1993
tahun 1993 hingga 2015 dengan posisi terakhir sebagai to 2015 with his last position as Director of Business
Direktur Pendukung Bisnis, kemudian di PT Pertamina Support, then at PT Pertamina Geothermal Energy as Vice
Geothermal Energy sebagai Vice President Treasury pada President Treasury in 2015-2017, PT Pertamina Lubricants
tahun 2015-2017, PT Pertamina Lubricants sebagai Direktur as Director of Finance & Business Support in 2017-2018,
Finance & Business Support pada 2017-2018, PT Pertamina PT Pertamina Patra Niaga as Director of Administration &
Patra Niaga sebagai Direktur Administrasi & Keuangan pada Finance in 2018-2019. He also served as Commissioner
2018-2019. Beliau juga pernah menjabat sebagai Komisaris at PT Pertamina International Timor in 2018-2020,
di PT Pertamina International Timor pada 2018-2020, Commissioner at PT Pertamina International Shipping in
Komisaris di PT Pertamina International Shipping pada 2019- 2019-2020. Furthermore, he also held several positions
2020. Selanjutnya, beliau juga kembali menjabat beberapa at PT Pertamina (Persero), including Corporate Secretary in
posisi di PT Pertamina (Persero), antara lain Corporate 2019-2020, Senior Vice President Human Capital in 2020-
Secretary pada 2019-2020, Senior Vice President Human 2022, and Senior Vice President Logistics Integration &
Capital pada tahun 2020-2022, dan Senior Vice President Optimization in 2022.
Logistics Integration & Optimization di tahun 2022.
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(Samuel Ramna)
Komisaris
Commissioner
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Periode Masa Jabatan: 28 April 2023 s.d. Penutupan RUPST 2026.
Term of Office Period: 28 April 2023 s.d. Closing of 2026 AGMS.
Warga negara Indonesia, kelahiran Jakarta (usia 28 tahun), Indonesian citizen, born in Jakarta (28 years old), domiciled
berdomisili di Jakarta Utara. in North Jakarta.
Menjabat sebagai Komisaris untuk periode masa jabatan Served as Commissioner for the first term of office in
pertama sesuai keputusan RUPST tanggal 28 April 2023 accordance with the AGMS decision on 28 April 2023, as
yang dituangkan dalam Akta No. 122 tanggal 28 April 2023 outlined in Deed No. 122 dated 28 April 2023 from Notary
dari Notaris Jose Dima Satria, S.H., M.Kn. Beliau telah lulus Jose Dima Satria, S.H., M.Kn. He has passed the OJK Fit
penilaian Kemampuan dan Kepatutan OJK berdasarkan and Proper Test based on Board of Commissioners Decree
Keputusan Dewan Komisioner No. KEP-41/KDK.05/2023 No. KEP-41/KDK.05/2023 dated 4 December 2023.
tanggal 4 Desember 2023.
Beliau memperoleh gelar Sarjana Ekonomi (cum laude) dari He obtained his Bachelor of Economics (cum laude) from
University of California, Berkeley pada tahun 2013, Magister the University of California, Berkeley in 2013, Master of
Ekonomi dari University of Southern California pada 2014, Economics from the University of Southern California in
dan Magister Sains, Ilmu Aktuari dari Columbia University 2014, and Master of Science, Actuarial Science from
pada tahun 2016. Columbia University in 2016.
Beliau memiliki sertifikat di bidang manajemen risiko, He has obtained certificate in risk management, namely
yakni Quallified Risk Governance Professional (QRGP) yang Qualified Risk Governance Professional (QRGP) issued by the
diterbitkan oleh Lembaga Sertifikasi Profesi Mitra Kalyana Mitra Kalyana Sejahtera Professional Certification Institute
Sejahtera (LSP MKS) dan Badan Nasional Sertifikasi Profesi (LSP MKS) and the National Professional Certification Agency
(BNSP) pada tahun 2023. (BNSP) in 2023.
Beliau memulai kariernya di PT Nusantara Sugihartana He started his career at PT Nusantara Sugihartana
Internasional dengan menjabat berbagai posisi, di antaranya Internasional by holding various positions, including as an
sebagai Analis pada tahun 2016-2018, Associate pada tahun Analyst in 2016-2018, Associate in 2019-2021, and Vice
2019-2021, dan Vice President pada tahun 2022 hingga President from 2022 until now.
saat ini.
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Komisaris Independen
Independent Commissioner
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Periode Masa Jabatan: 30 Juni 2020 s.d. Penutupan RUPST 2026.
Term of Office Period: 30 June 2020 until the Closing of 2026 AGMS.
Warga negara Indonesia, kelahiran Jakarta (usia 67 tahun), Indonesian citizen, born in Jakarta (67 years old), domiciled
berdomisili di Jakarta Selatan. in South Jakarta.
Menjabat sebagai Komisaris Independen Perseroan untuk Appointed as Independent Commissioner of the Company
periode masa jabatan pertama sesuai keputusan RUPST for the first term in accordance with the resolution of the
tanggal 30 Juni 2020 yang dituangkan dalam Akta No. 182 AGMS on 30 June 2020 as outlined in Deed No. 182 dated
tanggal 30 Juni 2020 dari Notaris Notaris Jose Dima Satria 30 June 2020 from Notary Jose Dima Satria S.H., M.Kn. He
S.H., M.Kn. Beliau telah lulus penilaian Kemampuan dan has passed the OJK Fit and Proper Assessment based on
Kepatutan OJK berdasarkan Keputusan Dewan Komisioner the Decree of the OJK Commissioner Board No. KEP-80/
OJK No. KEP-80/KDK.05/2020 tanggal 10 November 2020. KDK.05/2020 dated 10 November 2020.
Beliau memperoleh gelar Sarjana Ekonomi Akuntansi He obtained his Bachelor of Economics in Accounting from
dari Universitas Padjajaran, Bandung pada tahun 1984 Padjajaran University, Bandung in 1984 and a Master of
dan Magister Manajemen dari Universitas Gadjah Mada, Management from Gadjah Mada University, Yogyakarta in
Yogyakarta pada tahun 1999. 1999.
Poerwo Tjahjono memiliki sertifikat kompetensi manajemen Poerwo Tjahjono has a risk management competence
risiko dengan kualifikasi Manajemen Risiko Utama (Certified certificate with the qualification of a Qualified Risk
Risk Professional) yang diterbitkan oleh Badan Nasional Governance Professional (QRGP) issued by the National
Sertifikasi Profesi (BNSP). Selain itu beliau juga memiliki Professional Certification Agency (BNSP). Additionally, he
Chartered Accountant Indonesia (CA) sebagai kualifikasi also holds the Chartered Accountant Indonesia (CA) as a
akuntan profesional sesuai panduan standar internasional. professional accountant qualification in accordance with
international standard guidelines.
Memulai kariernya di PT Pertamina (Persero) pada tahun He commenced his career at PT Pertamina (Persero) from
1986 hingga 2012 dengan jabatan terakhir sebagai Senior 1986 to 2012 with his last position as Senior Vice President
Vice President Controller, kemudian dipercaya menjabat Controller and he was trusted to serve as Commissioner
sebagai Komisaris PT Pertamina Tongkang pada 2007-2011. of PT Pertamina Tongkang in 2007-2011. In 2011-2013,
Pada 2011-2013, beliau dipercaya menjadi Komisaris/ he was entrusted to be the Commissioner/Non Executive
Non-Executive Director Pertamina Energy Trading Limited Director of Pertamina Energy Trading Limited and President
dan Komisaris Utama PT Patra Jasa. Beliau juga menjabat Commissioner of PT Patra Jasa. He also served as a
sebagai Anggota Komite Audit PT Pertamina Hulu Energi Member of the Audit Committee of PT Pertamina Hulu
pada 2012-2015, dan Anggota Komite Pemantauan Energi in 2012-2015, and Member of the Risk Management
Manajemen Risiko PT Pertamina (Persero) pada 2015-2019. Monitoring Committee of PT Pertamina (Persero) in 2015-
2019.
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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
Dian Masyita Presiden Komisaris & Komisaris Ketua Komite Pemantau Risiko (8 • Dekan Fakultas Ekonomi
Independen. November 2022-sekarang). dan Bisnis (FEB) Universitas
President Commissioner & Chairman of the Risk Monitoring Islam Internasional Indonesia
Independent Commissioner. Committee (8 November (2022-sekarang).
2022-present). • Guru Besar Bidang
Manajemen Keuangan dan
Perbankan Syariah Universitas
Ketua Komite Nominasi Padjadjaran (2019-sekarang).
dan Remunerasi (28 April • Dean of the Faculty of
2023-sekarang). Economics and Business
Chairman of the Nomination and (FEB) at the International
Remuneration Committee (28 April Islamic University of Indonesia
2023-present). (2022-present).
• Professor of Financial
Management and Sharia
Banking, Padjadjaran
University (2019-present).
Bagus Agung Rahadiansyah Komisaris. Senior Vice President Corporate
Commissioner. Finance, PT Pertamina (Persero)
(2020-sekarang).
-
Senior Vice President Corporate
Finance of PT Pertamina (Persero)
(2020-present).
Samuel Lie (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.
- -
Independent Commissioner.
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Informasi Mengenai Hubungan Afiliasi
Anggota Dewan Komisaris
Information Regarding Affiliation Relationships 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
Dian Masyita
Bagus Agung
Rahadiansyah
Samuel Lie
(Samuel
Ramna)
Poerwo Tjahjono
Tajudin Noor
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Profil Direksi
Board of Directors’ Profiles
Perubahan Komposisi Direksi
Changes in the Board of Directors Composition
Jabatan pada Periode Jabatan sejak RUPST
1 Januari 2023 s.d. 28 April 2023 s.d. 31
Nama RUPST 28 April 2023 Desember 2023 Keterangan
Name Position during the period Position since AGMS of Remarks
of 1 January 2023 until 28 April 2023 until 31
the AGMS 28 April 2023 December 2023
Tatang Nurhidayat Presiden Direktur. Presiden Direktur. -
President Director. President Director.
Emil Hakim Direktur Keuangan & Direktur Keuangan & -
Layanan Korporat. Layanan Korporat.
Finance & Corporate Finance & Corporate
Service Director. Service Director.
Syaiful Azhar Direktur Teknik. - Tidak lagi menjabat sebagai Direktur Teknik sejak 28
Technical Director. April 2023.
No longer served as Technical Director since 28 April
2023.
Ery Widiatmoko Direktur Pemasaran Direktur Pemasaran -
Asuransi. Asuransi.
Insurance Marketing Insurance Marketing
Director. Director.
Budi P. Amir Direktur Kepatuhan & - Tidak lagi menjabat sebagai Direktur Kepatuhan &
Manajemen Risiko. Manajemen Risiko sejak 28 April 2023.
Compliance & Risk No longer served as Compliance & Risk
Management Director. Management Director since 28 April 2023.
Edi Yoga Prasetyo - Direktur Kepatuhan & Diangkat sebagai Direktur Kepatuhan & Manajemen
Manajemen Risiko. Risiko berdasarkan Keputusan RUPST tanggal 28
Compliance & Risk April 2023. Beliau telah lulus penilaian Kemampuan
Management Director. dan Kepatutan OJK berdasarkan Keputusan Dewan
Komisioner No. KEP 5/D.05/2024 tanggal 18
Januari 2024.
Appointed as Compliance & Risk Management
Director based on the AGMS Decision on 28 April
2023. He has passed the OJK Fit and Proper Test
based on Board of Commissioners Decree No. KEP
5/D.05/2024 dated 18 January 2024.
Sudarlin - Direktur Teknik. Diangkat sebagai Direktur Teknik berdasarkan
Technical Director. Keputusan RUPST 28 April 2023. Beliau telah
lulus penilaian Kemampuan dan Kepatutan OJK
berdasarkan Keputusan Dewan Komisioner No. Kep-
40/KDK.05/2023 tanggal 30 Oktober 2023.
Appointed as Technical Director based on Resolution
of the AGMS 28 April 2023. He has passed the OJK
Fit and Proper Test based on the Decree of the OJK
Commissioner Board No. Kep-40/KDK.05/2023
dated 30 October 2023.
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Dengan demikian, Anggota Direksi Tugu Insurance pada 31 Thus, the composition of Tugu Insurance Board of Directors
Desember 2023 adalah sebagai berikut: members as of 31 December 2023 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
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Presiden Direktur
President Director
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Periode Masa Jabatan: 17 Mei 2022 s.d. Penutupan RUPST 2025.
Term of Office Period: 17 May 2022 until the Closing of 2025 AGMS.
Warga negara Indonesia, kelahiran Subang (usia 38 tahun), Indonesian citizen, born in Subang (38 years old), domiciled
berdomisili di Jawa Barat, Indonesia. in West Java, Indonesia
Diangkat sebagai Presiden Direktur Tugu Insurance untuk Appointed as President Director of Tugu Insurance for the
periode masa jabatan pertama berdasarkan keputusan first term in accordance with the resolution of the AGMS on
RUPST tanggal 17 Mei 2022 yang dituangkan dalam Akta 17 May 2022 as outlined in Deed No. 49 dated 9 June 2022
Notaris No. 49 tanggal 9 Juni 2022, Notaris Jose Dima from Notary Jose Dima Satria S.H., M.Kn. He has passed the
Satria, S.H., M.Kn. Beliau telah lulus penilaian Kemampuan OJK Fit and Proper Assessment based on the Decree of the
dan Kepatutan OJK berdasarkan Keputusan Dewan OJK Commissioner Board No. Kep-32/KDK.05/2022 dated
Komisioner No. Kep-32/KDK.05/2022 tanggal 16 Agustus 16 August 2022. Previously, he never served in the Board of
2022. Sebelumnya beliau tidak pernah menjabat pada Directors of Tugu Insurance.
Direksi di Tugu Insurance.
Tatang Nurhidayat lulus dari Universitas Diponegoro dengan Tatang Nurhidayat graduated from Diponegoro University
gelar Sarjana Ilmu Kelautan pada tahun 2008 dan gelar with a Bachelor’s degree in Marine Science in 2008 and a
Master Ekonomi Islam dari Sekolah Tinggi Ekonomi Islam Master’s degree in Islamic Economics from Sekolah Tinggi
(STEI) Tazkia pada tahun 2018. Ekonomi Islam (STEI) Tazkia in 2018.
Tatang Nurhidayat memiliki sertifikasi sebagai berikut: Tatang Nurhidayat has the following certifications:
Jenis Keterampilan Tingkat Penguasaan Keterangan
No.
Skill Type Mastery Level Remarks
1. Implementation & Internal Auditor ISO 9001:2008 Neville Clarke, 2013
2. Certified Islamic Insurance Specialist Basic Level IIS, 2014
3. Certified in Life Insurance Basic Level LSP AAMAI, 2017
4. Certified in General Insurance Basic Level LSP AAMAI, 2018
5. Qualified in Risk Governance Practitioner (QRGP) Expert (Level 5) LSP MSK, 2019
6. Associate of Islamic Insurance Society (AIIS) Adjunct Expert IIS, 2020
Memulai karier di Asuransi sebagai Management Trainee Commencing his career in Insurance as a Management
PT Asuransi Adira Dinamika, Tatang Nurhidayat memiliki Trainee of PT Asuransi Adira Dinamika, Tatang Nurhidayat has
perjalanan karir dan sepak terjang yang tinggi di bidang extensive experience and an excellent career in Insurance,
asuransi, dibuktikan dengan pernah menjabat sebagai as evidenced by having served as Marketing Director at PT
Direktur Pemasaran di PT Asuransi Takaful Umum pada Asuransi Takaful Umum from 2019 to 2021.
tahun 2019 hingga 2021.
Presiden Komisaris di PT LSP Perasuransian Syariah (2020- President Commissioner at PT LSP Perasuransian Syariah
2022), Sharia Group Head PT Asuransi Bintang (2012-2018), (2020-2022), Sharia Group Head of PT Asuransi Bintang
Wakil Ketua Umum Asosiasi Asuransi Syariah Indonesia (2012-2018), Vice Chairman of the Indonesian Sharia
(2017-2020), Ketua Umum Asosiasi Asuransi Syariah Insurance Association (2017-2020), General Chairman of
Indonesia (2020-sekarang) serta hingga saat ini masih aktif the Indonesian Sharia Insurance Association (2020-present)
menjabat sebagai Ketua Umum Dewan Asuransi Indonesia and currently active serving as General Chairman of the
(DAI) sejak tahun 2021. Beliau memperoleh sertifikat dari Indonesian Insurance Council (DAI) since 2021. He has
AIIS dan QRGP, dan menjadi anggota di berbagai organisasi, obtained a certificate from AIIS and QRGP, and becomes
di antaranya Anggota Komite IKNB Masyarakat Ekonomi a member of several organizations, including Member of
Syariah (MES), Anggota Dewan Pengawas Lembaga Arbitrase the IKNB Committee of the Sharia Economic Community
Penyelesaian Sengketa Sektor Jasa Keuangan (LAPS SJK) (MES), Member of Supervisory Board of Lembaga Arbitrase
serta Anggota Dewan Pengawas Yayasan Asuransi Indonesia. Penyelesaian Sengketa Sektor Jasa Keuangan (LAPS SJK),
and Member of the Supervisory Board of the Indonesian
Insurance Foundation.
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Direktur Keuangan & Layanan Korporat
Finance & Corporate Service Director
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Periode Masa Jabatan: 10 Mei 2021 s.d. Penutupan RUPST 2024.
Term of Office Period: 10 May 2021 until the Closing of 2024 AGMS.
Warga negara Indonesia, kelahiran Palembang (usia 46 Indonesian citizen, born in Palembang (46 years old),
tahun), berdomisili di Pondok Kelapa, DKI Jakarta, Indonesia. domiciled in Pondok Kelapa, DKI Jakarta, Indonesia.
Menjabat sebagai Direktur Keuangan & Layanan Korporat Appointed as Corporate Finance & Services Director at Tugu
Tugu Insurance untuk periode masa jabatan pertama Insurance for the first term based on the Resolution of the
sesuai keputusan RUPST tanggal 10 Mei 2021 yang AGMS on 10 May 2021 as outlined in Deed No. 46 dated
dituangkan dalam Akta No. 46 tanggal 10 Mei 2021 dibuat 10 May 2021 under Notary Jose Dima Satria S.H., M.Kn.
dihadapan Notaris Jose Dima Satria, S.H., M.Kn. Beliau He has passed the OJK Fit and Proper Assessment based
telah lulus penilaian Kemampuan dan Kepatutan OJK on the Decree of the OJK Commissioner Board No. KEP-48/
berdasarkan Keputusan Dewan Komisioner OJK No. Kep-48/ KDK.05/2021 dated 10 September 2021. Previously, he has
KDK.05/2021 tanggal 10 September 2021. Sebelumnya never served on the Board of Directors at Tugu Insurance.
beliau tidak pernah menjabat pada Direksi di Tugu Insurance.
Emil Hakim juga merangkap jabatan sebagai Sekretaris Emil Hakim has also concurrently served as Corporate
Perusahaan Tugu Insurance sejak 30 November 2022 hingga Secretary of Tugu Insurance since 30 November 2022 until
31 Oktober 2023. 31 October 2023.
Beliau meraih gelar Sarjana Ekonomi Akuntansi dari Emil Hakim earned his Bachelor of Economics in Accounting
Universitas Sriwijaya (UNSRI) pada tahun 2000 dan gelar from Sriwijaya University (UNSRI) in 2000 and a Master of
Master of Applied Finance dari Australian National University Applied Finance from the Australian National University (ANU)
(ANU) pada tahun 2016. in 2016.
Emil Hakim memiliki sertifikasi sebagai berikut: Emil Hakim has the following certifications:
Jenis Keterampilan Tingkat Penguasaan Keterangan
No.
Skill Type Mastery Level Remarks
1. Chartered Accountant Indonesia 11.D27537 Baik Dikeluarkan oleh Ikatan Akuntan
Good Indonesia, 2014
Issued by the Institute of Indonesia
Chartered Accountants, 2014
2. Register Negara untuk Akuntan D-27537 Baik Kementerian Keuangan, 2021
State Register of Accountants D-27537 Good Ministry of Finance, 2021
3. CFO Academy Baik Said Bussiness School Oxford
Good
4. Qualified in Risk Governance Professional Competent LPS MKS
Beliau memulai karier di PT Pertamina (Persero) pada tahun He commenced his career at PT Pertamina (Persero) in 2001
2001 dan terakhir menjabat sebagai Assistant Manager pada and most recently served as Assitant Manager from 2008
tahun 2008-2014. Setelah menyelesaikan pascasarjana to 2014. After obtaining his Master’s Degree in Australia, he
di Australia, beliau melanjutkan kariernya di PT Pertamina continued his career at PT Pertamina (Persero) most recently
(Persero) dengan jabatan terakhir sebagai Finance Manager as Finance Manager at Proyek RDMP Balikpapan until 2018.
di Proyek RDMP Balikpapan sampai dengan tahun 2018. At a subsidiary company of PT Pertamina Internasional
Penugasan di anak perusahaan PT Pertamina Internasional EP, he was assigned at Maurel & Prom Paris as Senior
EP sebagai Senior Finance Advisor di Maurel & Prom Paris Finance Advisor from 2019 to 2020, and then worked as
(2019-2020) dan selanjutnya menjalani penugasan sebagai Vice President Treasury at PT Pertamina Geothermal Energy
Vice President Treasury di PT Pertamina Geothermal Energy (2020-2021).
(2020-2021).
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Direktur Pemasaran Asuransi
Insurance Marketing Director
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Periode Masa Jabatan: 30 Juni 2020 s.d. Penutupan RUPST 2026.
Term of Office Period: 30 June 2020 until the Closing of 2026 AGMS.
Warga negara Indonesia, kelahiran Yogyakarta (usia 58 Indonesian citizen, born in Yogyakarta (58 years old),
tahun), berdomisili di Bogor, Jawa Barat, Indonesia. domiciled in Bogor, West Java, Indonesia.
Menjabat sebagai Direktur untuk periode masa jabatan Has been serving as Director for the first term based on
pertama sesuai keputusan RUSPT tanggal 30 Juni 2020 the resolution of the AGMS Decision date 30 June 2020 as
yang dituangkan dalam Akta No. 182 tanggal 30 Juni outlined in Deed No. 182 dated 30 June 2020 under Notary
2020 dari Notaris Jose Dima Satria, S.H., M.Kn., Notaris Jose Dima Satria S.H., M.Kn. in Jakarta. He has passed
di Jakarta. Beliau telah lulus penilaian Kemampuan dan the OJK Fit and Proper Assessment based on OJK Decree
Kepatutan OJK berdasarkan Keputusan OJK No. Kep-59/ No. Kep-59/KDK.05/2020, dated 23 September 2020.
KDK.05/2020, ditetapkan tanggal 23 September 2020. Previously, he never served as a Member of the Board of
Sebelumnya beliau tidak pernah menjabat sebagai Anggota Directors at Tugu Insurance.
Direksi di Tugu Insurance.
Memperoleh gelar sarjana Teknik Geologi dari Universitas Earned his bachelor’s degree in Geological Engineering from
Pembangunan (UPN) Veteran Yogyakarta pada tahun 1991. the Veteran Yogyakarta Pembangunan University (UPN) in
Beliau juga aktif mengikuti kegiatan pendidikan di Prasetiya 1991. He also actively participated in educational activities
Mulya Business School Executive Learning Institute (ELI) di at Prasetiya Mulya Business School Executive Learning
bidang Financial Management, Strategic Management dan Institute (ELI) in the fields of Financial Management,
General Business Management pada tahun 2012-2013. Strategic Management and General Business Management
from 2012 to 2013.
Ery Widiatmoko memiliki sertifikasi sebagai berikut: Ery Widiatmoko has the following certifications:
Jenis Keterampilan Tingkat Penguasaan Keterangan
No.
Skill Type Mastery Level Remarks
1. Professional Development Program “Financial Statement Fraud Qualified IRMAPA, Juli 2022
Risk Analysis & Prevention (FSFR)” - Data Analytics Course IRMAPA, July 2022
2. Implementing ESG: How Being Sustainable Benefits Companies Qualified CRMS, Juli 2022
CRMS, July 2022
3. Pelatihan & Sertifikasi RCC QCRO Qualified Widya Dharma Arta, Oktober 2022
RCC QCRO Training & Certification Widya Dharma Arta, October 2022
Sebelum bergabung dengan Tugu Insurance sebagai Chief Prior to joining Tugu Insurance as Chief Network & Retail
Network & Retail Business pada 25 April 2018, beliau Business on 25 April 2018, he worked at PT Asuransi
meniti karir di PT Asuransi Astra Buana sejak tahun 1992 Astra Buana since 1992 with his last position as Executive
dengan jabatan terakhir sebagai Executive Vice President Vice President (Retail Business) (2014-2018). During his
(Retail Business) (2014-2018). Selama berkarir, beliau career, he received various awards, one of which was the
mendapatkan berbagai penghargaan, salah satunya adalah Astra International Awards, “Oustanding effort as Creative
Astra International Awards, “Oustanding effort as Creative Innovator” in 2015.
Innovator” pada tahun 2015.
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Edi Yoga Prasetyo
Direktur Kepatuhan &
Manajemen Risiko
Compliance &
Risk Management Director
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Periode Masa Jabatan: 28 April 2023 s.d. Penutupan RUPST 2026.
Term of Office Period: 28 April 2023 until the Closing of 2026 AGMS.
Warga negara Indonesia, kelahiran Wonosobo (usia 52 Indonesian citizen, born in Wonosobo (52 years old),
tahun), berdomisili di Tangerang, Banten, Indonesia. domiciled in Tangerang, Banten, Indonesia.
Menjabat sebagai Direktur untuk periode masa jabatan Served as Director for the first term of office based on the
pertama sesuai keputusan RUPST tanggal 28 April 2023 resolution of the AGMS Decision dated 28 April 2023 as
yang dituangkan dalam Akta No. 124 tanggal 28 April 2023 outlined in Deed No. 124 date 28 April 2023 from Notary
dari Notaris Jose Dima Satria SH., M.Kn., Notaris di Jakarta. Jose Dima Satria SH., M.Kn., Notary in Jakarta. He has
Beliau telah lulus penilian Kemampuan dan Kepatutan OJK passed the OJK Fit and Proper Test based on OJK Decree
berdasarkan Keputusan OJK No. KEP-5/D.05/2024 tanggal No. KEP-5/D.05/2024 dated 18 January 2024.
18 Januari 2024.
Beliau memperoleh gelar sarjana Sosial Ekonomi Pertanian He obtained a bachelor's degree in Agricultural
dari Institut Pertanian Bogor pada tahun 1995. Socioeconomics from the Bogor Agricultural Institute
in 1995.
Edi Yoga Prasetyo memiliki sertifikasi sebagai berikut: Edi Yoga Prasetyo has the following certifications:
Jenis Keterampilan Tingkat Penguasaan Keterangan
No.
Skill Type Mastery Level Remarks
1. Trainer untuk Produk Unit Linked Sertifikat Kelulusan Singapore College of Insurance
Trainer for Unit Linked Products Completion Certificate (2002)
2. Manajemen Risiko QRCO LSP MKS (2021-2024)
Risk Management
3. Manajemen Risiko QRGP LSP MKS (2023-2026)
Risk Management
Beliau memulai kariernya di PT Asuransi AIG Lippo yang He started his career at PT Asuransi AIG Lippo, previously
sebelumnya bernama PT Asuransi Lippo Life sejak tahun known as PT Asuransi Lippo Life, from 1995 to 2003
1995 hingga 2003 dengan jabatan terakhir sebagai Head with his last position as Head of Product Development
of Product Development Department. Beliau selanjutnya Department. He then pursued a career at PT Asuransi
meniti karier di PT Asuransi CIGNA sebagai In Branch Sales CIGNA as In Branch Sales Manager (2003-2004), Citibank
Manager (2003-2004), Citibank NA sebagai Manager Retail NA as Manager Retail Banking – Global Consumer Group
Banking – Global Consumer Group (2004-2006), PT Bank (2004-2006), PT Bank Lippo Tbk with his last position as
Lippo Tbk dengan jabatan terakhir sebagai Total Quallity Total Quality Management (TQM) Program Officer (2006-
Management (TQM) Program Officer (2006-2008), PT Bank 2008), PT Bank BTPN Tbk as Head of Sales Management &
BTPN Tbk sebagai Head of Sales Management & Support Support Department (2008-2011), and PT Asuransi Allianz
Department (2008-2011), dan PT Asuransi Allianz Life Life Indonesia with his last position as Deputy Managing
Indonesia dengan jabatan terakhir sebagai Deputy Managing Director of Sharia (2011-2022). Then, he also served as
Director of Sharia (2011-2022). Kemudian, beliau juga Director at PT LSP Per Asuransian Syariah (2022-2023) and
pernah menjabat sebagai Direktur di PT LSP Perasuransian Commissioner at PT Synergy Risk Management Consultants
Syariah (2022-2023) dan Komisaris di PT Synergy Risk (2023-present).
Management Consultants (2023-sekarang).
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Sudarlin
Direktur Teknik
Technical Director
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Periode Masa Jabatan: 28 April 2023 s.d. Penutupan RUPST 2026.
Term of Office Period: 28 April 2023 until the Closing of 2026 AGMS.
Warga negara Indonesia, kelahiran Lampung (usia 46 tahun), Indonesian citizen, born in Lampung (46 years old),
berdomisili di Jakarta Timur, Indonesia. domiciled in East Jakarta, Indonesia.
Menjabat sebagai Direktur untuk periode masa jabatan Served as Director for the first term of office based on
pertama sesuai keputusan RUPST tanggal 28 April 2023 the resolution of the AGMS Decision dated 28 April 2023
yang dituangkan dalam Akta No. 55 tanggal 9 November as outlined in Deed No. 55 dated 9 November 2023 from
2023 dari Notaris Jose Dima Satria, S.H., M.Kn., Notaris Notary Jose Dima Satria, S.H., M.Kn., Notary in Jakarta.
di Jakarta. Beliau telah lulus penilaian Kemampuan dan He has passed the OJK Fit and Proper Test based on OJK
Kepatutan OJK berdasarkan Keputusan OJK No. KEP-40/ Decree No. KEP-40/KDK.05/2023, dated 30 October 2023.
KDK.05/2023, ditetapkan tanggal 30 Oktober 2023.
Beliau memperoleh gelar Sarjana Ekonomi dari Universitas He obtained a Bachelor's degree in Economics from
Lampung pada tahun 2000 dan Magister Manajemen dari Lampung University in 2000 and a Master's Degree in
Universitas Gadjah Mada pada tahun 2003. Management from Gadjah Mada University in 2003.
Sudarlin memiliki sertifikasi sebagai berikut: Sudarlin has the following certifications:
Jenis Keterampilan Tingkat Penguasaan Keterangan
No.
Skill Type Mastery Level Remarks
1. Ahli Asuransi Kerugian Indonesia (AAIK/Profesi) Advance LSP AAMAI, Februari 2011
Indonesian General Insurance Expert (AAAIK/Profession) LSP AAMAI, February 2011
2. Manajemen Risiko Perasuransian (AMRP/Profesi) Advance/Level 5 LSP AAMIA, September 2022
Insurance Risk Management (AMRP/Profession)
3. Manajemen Risiko (QCRO/Profesi) Intermediate/Level 4 LSP MKS, September 2021
Risk Management (QCRO/Profession)
4. Professional in Organization Development (CPOD/Profession - AIODP, Juni 2023
HR & Organization Transformation) AIODP, June 2023
Beliau memulai kariernya di BBS Unilanet sebagai Network He started his career at BBS Unilanet as a Network &
& System Engineer pada tahun 1997 hingga 2000. Beliau System Engineer from 1997 to 2000. He then pursued a
selanjutnya meniti karier di PT Samsung Electronic Indonesia career at PT Samsung Electronic Indonesia as Marketing
sebagai Marketing Staff (2000-2001) dan Pro-Pack Material Staff (2000-2001) and Pro-Pack Material Pte. Ltd. as Sales
Pte. Ltd. sebagai Sales Engineer/Brand Dept. Head (2004- Engineer/Brand Dept. Head (2004-2006). He then joined
2006). Beliau kemudian bergabung dengan PT Asuransi PT Asuransi Tugu Pratama Indonesia Tbk and held several
Tugu Pratama Indonesia Tbk dan menjabat beberapa posisi, positions, including as Underwriter (2007-2012), Facultative
antara lain sebagai Underwriter (2007-2012), Facultative Department Head (2014-2021), Company Expert (2015-
Department Head (2014-2021), Tenaga Ahli Perusahaan 2023), and Reinsurance Group Head (2021-2023).
(2015-2023), dan Reinsurance Group Head (2021-2023).
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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 Indonesia
President Director. (6 November 2022-sekarang).
Commissioner of PT Reasuransi Maipark
Indonesia (6 November 2022-present).
Emil Hakim Direktur Keuangan & Komisaris PT Pratama Mitra Sejati -
Layanan Korporat. (1 Oktober 2021-sekarang).
Corporate Finance & Commissioner of PT Pratama Mitra
Services Director. Sejati (1 October 2021-present).
Ery Widiatmoko Direktur Pemasaran Asuransi. - -
Director of Insurance
Marketing.
Edi Yoga Prasetyo Direktur Kepatuhan & - Komisaris PT Synergy Risk Management
Manajemen Risiko. Consultants (6 Juni 2023-sekarang).
Director of Compliance & Commissioner of PT Synergy Risk
Risk Management. Management Consultants (6 June
2023-present).
Sudarlin Direktur Teknik. - -
Technical Director.
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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
Widiatmoko
Edi Yoga
Prasetyo
Sudarlin
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Sumber Daya Manusia
Human Resource
Tugu Insurance berkomitmen untuk mengelola sumber In managing human resources, including recruitment, Tugu
daya manusianya mulai dari proses rekrutmen hingga Insurance always ensures equal opportunities regardless of
pengelolaan dengan memastikan kesetaraan kesempatan gender, class, ethnicity and race. Equality also applies in the
yang sama tanpa membedakan jenis kelamin, golongan, assessment or review of employees so that every employees
suku, dan ras. Kesetaraan juga berlaku dalam penilaian atau has the same opportunity to get a promotion, both male
review terhadap pekerja sehingga setiap pekerja memiliki and female.
kesempatan yang sama untuk mendapatkan promosi, baik
laki-laki maupun perempuan.
Jumlah dan Komposisi Pekerja
Employee Headcount
Sampai dengan 31 Desember 2023, jumlah pekerja Tugu As of 31 December 2023, the number of Tugu Insurance
Insurance adalah sebanyak 459 pekerja, mengalami employees was 459 workers, an increase of 6.5% compared
peningkatan sebesar 6,5% dibandingkan dengan tahun to 2022 which was 431 workers. The Company does not
2022 yang sebanyak 431 pekerja. Tugu Insurance tidak differentiate gender, race, religion, ethnicity, and class, in
membedakan jenis kelamin, ras, agama, suku dan golongan all levels and ranks of employees and management, both
dalam seluruh tingkatan dan jajaran karyawan serta in recruitment and remuneration and position systems. The
manajemen baik dalam penerimaan karyawan maupun Company provides opportunities for both male and female
sistem remunerasi dan jabatan. Perseroan memberikan workers. However, the nature of work, geographical location,
kesempatan terbuka baik bagi pekerja laki-laki maupun and business character of Tugu Insurance causes male
perempuan. Namum sifat pekerjaan, letak geografis dan employees to be more dominant.
karakter usaha Tugu Insurance menyebabkan karyawan pria
lebih dominan.
Jumlah dan komposisi pekerja Tugu Insurance berdasarkan The number and composition of Tugu Insurance workers
jenis kelamin, jabatan, usia, tingkat pendidikan, dan status based on gender, position, age, education level and
ketenagakerjaan dapat dilihat sebagai berikut. employment status can be seen as follows.
Jumlah dan Komposisi Pekerja Berdasarkan Jenis Kelamin
Number and Composition of Employees Based on Gender
2023 2022
Jenis Kelamin
Gender Jumlah Total Jumlah Total
% %
Total Number Total Number
Laki-laki 287 62,5% 283 65,7%
Male
Perempuan 172 37,5% 148 34,3%
Female
Jumlah 459 100% 431 100%
Total
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Jumlah dan Komposisi Pekerja bedasarkan Jabatan
Number and Composition of Employees Based on Position
2023 2022
Jabatan
Position Jumlah Jumlah
L/M P/F % L/M P/F %
Total Total
Deputy Director 1 1 2 0,4% 1 0 1 0,2%
Group Head & VP 15 5 20 4,4% 16 7 23 5,3%
Pekerja Perbantuan di Anak 7 1 8 1,7% 6 1 7 1,6%
Perusahaan
Seconded Workers in
Subsidiaries
Department Head 44 12 56 12,2% 46 9 55 12,8%
Manajer 26 8 34 7,4% 22 9 31 7,2%
Manager
Officer 124 64 188 41,0% 118 53 171 39,7%
Staf 67 81 148 32,2% 70 139 32,3%
Staff 69
Pelaksana 3 0 3 0,7% 4 0 4 0,9%
Implementer
Jumlah 287 172 459 100% 283 148 431 100%
Total
Jumlah dan Komposisi Pekerja berdasarkan Usia
Number and Composition of Employees Based on Age
2023 2022
Usia
Age Jumlah Jumlah
L/M P/F % L/M P/F %
Total Total
21-30 36 58 94 20,5% 32 50 82 19,0%
31-40 119 74 193 42,1% 127 61 188 43,6%
41-50 80 34 114 24,8% 68 30 98 22,7%
≥ 51 52 6 58 12,6% 56 7 63 14,6%
Jumlah 287 172 459 100% 283 148 431 100%
Total
Jumlah dan Komposisi Pekerja berdasarkan Tingkat Pendidikan
Number and Composition of Employees Based on Education Level
2023 2022
Tingkat Pendidikan
Education Level Jumlah Jumlah
L/M P/F % L/M P/F %
Total Total
S3 1 0 1 0,2% 1 0 1 0,2%
Doctoral Degree
S2 54 14 68 14,8% 47 14 61 14,2%
Master Degree
S1 221 153 374 81,5% 221 129 350 81,2%
Bachelor Degree
Diploma 7 5 12 2,6% 9 5 14 3,2%
SMU Sederajat 2 0 2 0,4% 2 2 0,5%
Senior High School 0
SMP Sederajat 1 0 1 0,2% 1 0 1 0,2%
Junior High School
SD Sederajat 1 0 1 0,2% 2 0 2 0,5%
Elementary School
Jumlah 287 172 459 100% 283 148 431 100%
Total
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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 Tugu
dapat dikelompokkan sebagai berikut: Insurance can be grouped as follows:
2023 2022
Status Kepegawaian
Employment Status Jumlah Jumlah
L/M P/F % L/M P/F %
Total Total
Pekerja Waktu Tidak Tertentu 230 123 353 76,9% 233 122 355 82,4%
(Pekerja Tetap)
Permanent Employees
Pekerja Waktu Tertentu 50 46 96 20,9% 44 23 67 15,5%
(Pekerja Kontrak)
Contract Employees
Pekerja Perbantuan 0 2 2 0,4% 0 2 2 0,5%
(PT Pertamina (Persero))
Seconded Employees
(PT Pertamina (Persero))
Pekerja yang Diperbantukan 7 1 8 1,8% 6 1 7 1,6%
di Entitas Anak
Seconded Employees in
Subsidiaries
Jumlah 287 172 459 100% 283 148 431 100,0%
Total
Pengembangan Kompetensi SDM
HR Development
Tugu Insurance memberikan kesempatan yang sama kepada Tugu Insurance provides equal opportunities to all Employees
seluruh Pekerja untuk mengikuti program pengembangan to participate in competency development programs that are
kompetensi yang dijalankan sesuai dengan kebutuhan carried out in accordance with the needs of the Company.
Perseroan. Selain untuk menunjang kinerja Perseroan, In addition to supporting the Company’s performance, this
program pengembangan kompetensi ini dilakukan untuk competency development program is carried out to increase
meningkatkan kapasitas dan pengembangan karir karyawan. employee capacity and career development.
Pengembangan SDM dikelola oleh Learning & Development HR development is managed by the Learning & Development
Department yang merupakan bagian dari Human Capital & Department which is part of the Human Capital & Services
Services Group, dan terdiri dari kegiatan-kegiatan berikut: Group, and consists of the following activities:
1. Training: 1. Training:
• In-house Training; • In-house Training;
• Public training. • Public training.
2. Sertifikasi Profesi; 2. Professional Certification;
3. Pembinaan Rohani dan Krida; 3. Spiritual and Krida Coaching;
4. Townhall Meeting; 4. Townhall Meeting;
5. Audiensi karyawan dengan Direksi. 5. Employee audience with the Board of Directors.
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1. Training
a. In-house Training
Judul Training Jumlah Peserta
No.
Training Title Total Participant
1 Business English Conversation Course - Advance Level 13
2 Business English Conversation Course - Upper Intermediate Level 15
3 Business English Conversation Course - Intermediate Level 17
4 Business English Conversation Course - Beginning Level 15
5 tiLearn 039: Treaty Expose 2023 156
6 Objective Key Result Workshop 16
7 People Management Development Program Batch 3 30
8 M-Files for Super User 5
9 tiLearn 040: COB Marine Hull & Marine Cargo 103
10 tiShare 003: CoB Motor Vehicle for Underwriters of Branch Office 36
11 People Management Development Program Batch 4 24
12 Risk Management Forum Pertamina Group 2023 412
13 tiLearn041: Basic Safety Training 2023 338
14 tiShare004: CoB Surety Bond & KBG 114
15 tiLearn 042: Implementasi SMAP dalam Menunjang Kegiatan Operasional Perusahaan 407
tiLearn 042: Implementation of SMAP in Supporting Company Operational Activities
16 tiShare 006: CoB Sosialisasi Guideline Motor Vehicle 139
tiShare 006: CoB Disseminates Motor Vehicle Guideline
17 Konsinyering & Agent of Change 16
Consigning & Agent of Change
18 tiLearn 043: Suretyship 189
19 tiShare 005: Combined Liability, Money Insurance dan PA 113
20 tiShare 007: Selling & Negotiation Skill 76
21 tiShare 009: Sosialisasi Pengelolaan Talent dan Rencana Suksesi 113
tiShare 009: Dissemination of Talent Management and Succession Planning
22 tiLearn 044: Metode Aktuari dalam Pricing 56
tiLearn 044: Actuarial Methods in Pricing
23 tiLearn 045: Basic Selling Skill 88
24 tiLearn 046: Perlindungan Data Pribadi di Industri Jasa Keuangan Setelah Disahkannya UU PDP 355
tiLearn 046: Protection of Personal Data in the Financial Services Industry After the Passing of the PDP
Law
25 tiLearn 047: Right Service Experience for The Right Customers 109
26 tilearn 048: Service Into Next Level for Management 21
27 tilearn 049: Marine Reinsurance Wordings and Update on Russian-Ukraine Wordings and Sanctions 21
28 tiLearn 050: Basic reinsurance 19
29 tiLearn 052: Keynote Speech Perlindungan Data Pribadi 74
30 tilearn 053: UU PDP 23
tilearn 053: PDP Law
31 tilearn 054: APU, PPT, PPPSPM di Sektor Lembaga Jasa Keuangan 385
tilearn 054: APU, PPT, PPPSPM in the Financial Services Institution Sector
32 tilearn 055: Policy Automation 103
33 Basic Insurance 25
34 Coaching for Empowering Your Team 101
35 People Management Development Program Batch 5 24
36 Basic Service Excellent - Front Liner Batch 1 23
37 Basic Service Excellent - Front Liner Batch 2 25
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Judul Training Jumlah Peserta
No.
Training Title Total Participant
38 Basic Service Excellent - Front Liner Batch 3 26
39 Assertive Communication 28
40 Intergenerational Conflict Resolution 12
41 Smart Selling Skills 24
b. Public Training (Dalam Negeri)
Public Training (Domestics)
Judul Training Jumlah Peserta
No.
Training Title Total Participant
1 TOEFL Preparation Lvl 1 2
2 TOEFL Preparation Lvl 2 3
3 Placement Test TOEFL Preparation 1
4 Understanding Marine Hull Insurance 2
5 Rekonsiliasi Fiskal & Penyusunan SPT Tahunan PPh Badan 2
Fiscal Reconciliation & Preparation of Annual Corporate Income Tax Returns
6 Preparation for Certified Associate in Project Management 1
7 HUET and Sea Survival 7
8 Customer Relationship Management in Digital Era (E-CRM) 2
9 Tata Kelola Environmental, Social, Governance, Risk & Compliance (ESGRC) untuk Memperkuat 1
Perusahaan
Environmental, Social, Governance, Risk & Compliance (ESGRC) Management to Strengthen the
Company
10 Simulation Based Workshop of Key Risk Indicators 3
11 CIFO: Hybrid Working as a Trend of Work in the Post-Pandemic World 4
12 Training of Trainers dan Pembekalan Anti Fraud Agent Internal Audit Pertamina 2
Training of Trainers and Provision of Pertamina Internal Audit Anti Fraud Agents
13 Tantangan dan Peluang Profesi Manajemen Risiko dalam Pencapaian Tujuan Keuangan Berkelanjutan 2
Challenges and Opportunities for the Risk Management Profession in Achieving Sustainable Financial
Goals
14 Millennials & Gen Z Training: Tips & Strategies 3
15 9 International Insurance Seminar 2023
th
3
16 Case Study Telecommunication Broadcasting & Data Center 2
17 Effective Coaching Skill for Leader 2
18 Global Turmoil: The Unpredictable Landscape 4
19 Meringankan Beban PPh 21 & SPT Anda di Tahun 2023 dengan Teknologi 3
Ease your PPh 21 & SPT burden in 2023 with technology
20 Sales Strategies to Create High Performing Sales Force 2
21 Risk Management Strategy in The Hardening Insurance Market 2
22 PSAK 117 Kontrak Asuransi 2
PSAK 117 Insurance Contracts
23 Webinar Level 7 "Manajemen Risiko Perusahaan Pialang Asuransi" 1
Webinar Level 7 "Risk Management of Insurance Brokerage Companies"
24 UU P2SK sebagai Penguatan Sektor Keuangan bagi Konsumen dan Industri Keuangan 1
P2SK Law as Strengthening the Financial Sector for Consumers and the Financial Industry
25 Project Risk Management untuk LJKNB 1
26 People-Policy-Technology to Build Employee Experience 1
27 TOEIC Official Learning & Preparation Course 1
28 Cara Mudah Menentukan Key Risk Indicators dalam Rencana Strategic Organisasi 1
Easy Ways to Determine Key Risk Indicators in an Organization's Strategic Plan
122 LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Judul Training Jumlah Peserta
No.
Training Title Total Participant
29 Marine Liability Insurance 1
30 Peran Akuntansi Forensik dalam Audit Investigasi/Audit Forensik 1
The Role of Forensic Accounting in Investigative Audits/Forensic Audits
31 Fungsi Pengawasan Entitas dalam Lingkup Tata Kelola Risiko & Peran Internal Audit dalam Manajemen 1
Risiko
Entity Supervision Function within the Scope of Risk Governance & the Role of Internal Audit in Risk
Management
32 Pengelolaan Liquidity Risk untuk Kondisi Business as Usual, Stress Testing Maupun Pemenuhan 1
Ketentuan Regulator (Basel III - LCR, NSFR dan ILAAP)
Liquidity Risk Management for Business as Usual Conditions, Stress Testing and Fulfillment of
Regulatory Requirements (Basel III - LCR, NSFR and ILAAP)
33 Peranan Asuransi Kredit Dalam Fasilitas Non-Cash Loan Perbankan 2
The Role of Credit Insurance in Non-Cash Loan Banking Facilities
34 Sudah Siapkah Perusahaan Asuransi Implementasikan IFRS 17 pada 1 Januari 2025? 2
Are Insurance Companies Ready to Implement IFRS 17 on 1 January 2025?
35 Equity & bond Market Outlook Trimegah A 1
36 Bagi LJKNB dan Industri Asuransi pada Umumnya 1
For LJKNB and the Insurance Industry in General
37 Workload Analysis 3
38 Drafting Legal Documents and Contracts in English 1
39 Certificate in General Insurance 3
40 Revolutioning HR 2
41 Practical Course - Pembuatan Faktur PPN 2
Practical Course - Creating VAT Invoice
42 Actuaries in Challenging Economics 2
43 Strategi Adaptasi di Tengah Disrupsi Blockchain Industri Keuangan 1
Adaptation Strategy in the Midst of Blockchain Disruption in the Financial Industry
44 Aspek Hukum Merger, Akuisisi dan Konsolidasi Perusahaan 1
Legal Aspects of Mergers, Acquisitions and Company Consolidation
45 Anti Fraud Day 1
46 Industrial Relation Workshop 2
47 Understanding Marine Cargo Insurance 2
48 ICSA Workshop CG Officer Corporate Communication Batch 3 2
49 Effective Investor Relations in Practice Level I 2
50 Data Protection & Privacy Essentials 1
51 Peningkatan Pemahaman Anti Pencucian Uang di Sektor Korporasi 2
Increasing Understanding of Anti-Money Laundering in the Corporate Sector
52 Data Analytics using Microsoft Power BI 2
53 Apakah Penerapan Manajemen Risiko Kami Sudah Efektif? 3
Is Our Risk Management Implementation Effective?
54 Brand Loyalty Strategy During Uncertain Times 2
55 Strategi Keuangan Hijau Indonesia 1
Indonesia's Green Finance Strategy
56 Implementasi dan Kendala PP-44, PP-49, PP-50 dan PP-55 dan PMK Turunannya serta Dampaknya 4
Terhadap Kinerja Keuangan Perusahaan
Implementation and Obstacles of PP-44, PP-49, PP-50 and PP-55 and their derivative PMK and their
Impact on the Company's Financial Performance
57 Maksimalkan Potensi LMS dengan Learning Journey yang Menarik 3
Maximize LMS Potential with an Interesting Learning Journey
58 The 1st Indonesia Insurance Summit 3
59 Python for Data Science 1
60 Reinforcing Research in Actuarial Science to Increase Trust and Confidence in the Financial Institution 1
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Judul Training Jumlah Peserta
No.
Training Title Total Participant
61 Undangan Sosialisasi Tata Cara Klaim Manfaat Program dan Penggunaan Jamsostek Mobile 1
Invitation to Disseminate Procedures for Claiming Program Benefits and Using Jamsostek Mobile
62 Digital Risk Management 1
63 CEO Fellowship 1
64 Investigation Fraud 1
65 Manajemen Risiko Asuransi/Reasuransi Syariah Bagi DPS Perusahaan Anggota AASI 2
Sharia Insurance/Reinsurance Risk Management for DPS of AASI Member Companies
66 Al Driven Decision Making for Business Leader 1
67 Training ESTIM Administrator Foundation 1
68 Keuangan Berkelanjutan Batch 2 1
Sustainable Finance Batch 2
69 Artificial Intelligence Innovation Summit 2
70 Rancangan Standar Kompetensi Kerja Nasional Indonesia 2
Draft Indonesian National Work Competency Standards
71 Indonesia Rendezvous 6
72 Pialang Asuransi “Semua Akan Digital pada Waktunya" 1
Insurance Brokers “Everything Will Be Digital in Time"
73 Specific Cargo Underwriting for Dry and Bulk Cargoes 5
74 CEAR - Coverage, Exclusion, Endorsement & Claim 3
75 Strategic Management & Leadership 1
76 IIA Indonesia National Conference 1
77 Pengantar Prinsip Asuransi 1
Introduction to Insurance Principles
78 GCG Berbasis Referensi Praktik Terbaik Nasional & Global Terkini 1
GCG Based on Latest National & Global Best Practice References
79 Masa Depan Asuransi Syariah Pasca POJK No. 11 2023 3
The Future of Sharia Insurance Post POJK No. 11 2023
80 Forum Akuntan Manajemen – Gap Analysis IFRS S1 and S2 5
Management Accountant Forum – Gap Analysis IFRS S1 and S2
81 Investment Development Program: IPO - Initial Public Offering 1
82 Marketeers Hang Out Metamorphosis 2
83 Konsinyering Penyusunan Kamus Kompetensi SDM Sektor Perasuransian 2
Consignment for Preparation of HR Competency Dictionary in the Insurance Sector
84 Corporate Finance Training 1
85 Workshop Pra-Ijtima’ Sanawi (Annual Meeting) DPS VIII Tahun 2023 Bidang Perasuransian Dana Pensiun 2
dan Penjaminan Syariah
Pre-Ijtima' Sanawi Workshop (Annual Meeting) DPS VIII 2023 Sector of Pension Fund Insurance and
Sharia Guarantee
86 CIA Review 1
87 Fundamental of Engineering Insurances 1
88 Pelatihan Tenaga Pemasar Asuransi 3
Insurance Marketer Training
89 Product Management Basic 1
90 High Impact Presentation 1
91 Pemaparan dan Diskusi Penyedia IT Solution PSAK 117 Asosiasi Asuransi Umum Indonesia 1
Presentation and Discussion of IT Solution Providers PSAK 117 Indonesian General Insurance
Association
92 Designing and Implementing Microsoft DevOps Solutions 1
93 Team Leadership & Team Building 2023 Master Class 1
94 ChatGPT for Better Business Communication 1
95 Tableau Data Analyst Certification Prep 2023 1
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Judul Training Jumlah Peserta
No.
Training Title Total Participant
96 Risiko Kendaraan Bermotor Listrik Berbasis Baterai (KBLBB) Dikaitkan dengan Jaminan PSAKBI 1
The risks of battery-based electric motorized vehicles (KBLBB) linked to the PSAKBI guarantee
97 The Shifting Role of Secretary in Challenging Business Environment 2
98 Belajar Tuntas Pengukuran PR Terbaru AMEC 1
Complete Study of AMEC's Latest PR Measures
99 Transforming Actuarial Performance After PSAK 117 Implementation 2
100 Takaful Rendezvous 2
101 Practical Electric Vehicle Insurance 3
102 Konvensi Nasional Rancangan Standar Kompetensi Kerja Nasional Indonesia (RSKKNI) Bidang 2
Perasuransian
National Convention on the Draft Indonesian National Work Competency Standards (RSKKNI) in the
Insurance Sector
103 Achieve Your Highest Priorities 8
104 Optimizing Business Continuity Strategy to Achieve Sustainable Objectives 10
105 Quick Tips to Up Your Productivity in Excel: Master Functions, Format Your Spreadsheets, & Analyze 1
Data with Ease
106 Tableau Data Analyst Certification Prep 2023 1
107 Risiko KBLBB Dikaitkan Dengan Jaminan PSAKBI 1
KBLBB Risk That Is Associated With PSAKBI Guarantee
108 Data Analytic Tableau 1
109 Sewindu Kami Mengabdi, untuk Komunikasi Negeri 4
8 Years serving for State Communications
110 Understanding Public Liability Insurance 1
111 Project Management 3
112 Managing Reinsurance Risk 2
113 Pertamina Financing School 2023: Alternative Financing Solutions for Pertamina Group Investment 3
Projects
114 Nusantara Re Seminar 2023 2
115 Boost Organization Reputation Through Storytelling 1
116 Protecting Your Organization Reputation During Crisis Through Communication 1
117 The Ultimate Guide for Online Media Monitoring 1
118 Service Excellence & Handling Customer Complaint 1
119 Insurance Business Through Technology Provides Opportunities As We As Threats 1
120 Memahami Kebutuhan Data Requirement dalam Menerapkan Implementasi PSAK 117 (IFRS17) dan 2
Perhitungan Saldo Awal yang Diakui di Retained Earning
Understanding the Need for Data Requirements in Implementing PSAK 117 (IFRS17) and Calculating
the Initial Balance Recognized in Retained Earnings
121 Cyber (Re) Insurance with the Experts 1
122 Language Learning 1
123 AI in Marketing 1
124 The Complete Financial Analyst Course 2023 1
125 Critical Thinking Strategies for Better Decisions 1
126 Master Strategic Thinking and Problem Solving Skills 1
127 Risk Beyond International Conference on ERM 2023 5
128 Training Operator K3 Umum 1
General HSE Operator Training
129 Fund Manager Training 5
130 Mengawal Keberlanjutan dan Pertumbuhan Perseroan Melalui Pengawasan dan Pengendalian Risiko 3
Overseeing the Company's Sustainability and Growth Through Supervision and Risk Control
131 Indonesian Actuaries Congress 2023 Shaping Future Actuaries 2
132 Best Practice of Claim Property 1
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Judul Training Jumlah Peserta
No.
Training Title Total Participant
133 Administering a SQL Database Infrastructure 1
134 COBIT Foundation Exam Guide 1
135 Risk Beyond International Conference on ERM 2023 1
136 Mastering Data Visualization: Theory and Foundations 2
137 Writing with an AI Companion: ChatGPT for Business 1
138 Smart Tips: Financial Analysis 2
139 Smart Tips: Public Speaking 1
140 Database PostgreSQL: Pemula sampai Mahir 1
Database PostgreSQL: Beginners to Experts
141 Data Science & Analytics 1
142 Data Analyst Bootcamp 1
143 COBIT Foundation Exam Guide 1
144 Total Quality Management Implementation 3
145 Optimalisasi Branding Asuransi Sosial & Komersial: Menggapai Layanan & Perlindungan Konsumen 1
yang Excellent
Optimizing Social & Commercial Insurance Branding: Achieving Excellent Consumer Service & Protection
146 Sustainable Investment Through Prudent Investment Process 1
147 ESG Synergy for Prosperity: Integrating Social Transformation into Risk Management 1
148 Navigating Country Risk for Sustainable Growth: Opportunities and Challenges 1
149 P3K 1
150 Workshop Onsite Data Science for Everyone 1
151 Customer Satisfaction Management 1
152 General Insurance Actuary Sharing Series “Practical Considerations in IBNR Calculation" 2
153 AAUI Training Series – Study Biaya Secara Aktuarial (Expense Study) 3
AAUI Training Series – Actuarial Expense Study
154 Integrated Governance, Risk & Compliance (GRC) untuk Direksi dan Komisaris BUMN 1
Integrated Governance, Risk & Compliance (GRC) for SOEs Directors and Commissioners
155 Port & Terminal Operators Liability Insurance 1
156 Financial Modeling & Valuation in Excel - Complete Course 1
157 Accounting & Financial Statement Analysis: Complete Training 1
158 Constructive Feedback: Manager's Step-By-Step Guide 1
159 Stress Management - How to Manage Your Stress Effectively 1
160 Google Analytics Certification - Get Certified & Earn More 1
161 Ubuntu Linux Server Basics 1
162 SQL & Database Design A-Z™: Learn MS SQL Server + PostgreSQL 1
163 Create A Culture of Learning in Your Workplace 1
164 Business Analyst: Software Testing Processes & Techniques 1
2. Sertifikasi Profesi
Professional Certification
Judul Training Jumlah Peserta
No.
Training Title Total Participant
1 Certified Professional in Organization Development (CPOD) 6
2 Pelatihan dan Sertifikasi Certified Forensic Auditor (CFrA)-Audit Forensik 3
Certified Forensic Auditor (CFrA) Training and Certification-Forensic Audit
3 Pelatihan & Sertifikasi BOSIET 1
BOSIET Training & Certification
4 Recognition Current Competency (RCC) QCRO 3
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Judul Training Jumlah Peserta
No.
Training Title Total Participant
5 Pelatihan dan Sertifikasi Certified Forensic Auditor (CFrA)-Fraud Auditing 1 2
Certified Forensic Auditor (CFrA)-Fraud Auditing Training and Certification 1
6 Pelatihan dan Sertifikasi Certified Forensic Auditor (CFrA)-Fraud Auditing 2 2
Certified Forensic Auditor (CFrA)-Fraud Auditing 2 Training and Certification
7 Sertifikasi QIA Tingkat Lanjutan 3
Advanced QIA Certification
8 Manajemen Risiko - QRGP 3
Risk Management - QRGP
9 Recognition Current Competency (RCC) Sertifikat CGP 1
CGP Certification of Recognition Current Competency (RCC)
10 Manajemen Risiko - QRMP 5
Risk Management - QRMP
11 Manajemen Risiko - QCRO 3
Risk Management - QCRO
12 CFA lvl 1 1
13 RCC QRGP 3
14 Certified Human Capital Manager 1
15 RCC CRP 1
16 CHCS BNSP 1
17 Certified International Project Manager 1
18 Pengawas K3 Migas bersertifikasi BNSP 1
BNSP certified Oil and Gas OHS supervisor
19 Continuous Professional Education (CPE) Certified Risk Management Professional (Level III)/Training 1
Program Pemeliharaan Sertifikat CRMP - BNSP
Continuous Professional Education (CPE) Certified Risk Management Professional (Level III)/ CRMP
Certification Maintenance Training Program - BNSP (National Professional Certification Board)
20 Pelatihan dan Sertifikasi Kepatuhan skema CCP (Certified Compliance Professional) 1
CCP (Certified Compliance Professional) Scheme Compliance Training and Certification
3. Pembinaan Rohani dan Krida
Spiritual and Krida Coaching
Judul Training Jumlah Peserta
No.
Training Title Total Participant
1. Activation Kreasi Menu Takjil Tuguers 16
Tuguers' Takjil Menu Creation Activation
2. Activation Indahnya Kebersamaan Ramadan 14
The Wonderful Unity in Ramadan Activation
3. Buka Puasa Bersama Anak Yatim 500
Iftar with the Orphans
4. Activation Tuguers Sambut Hari Kemenangan 10
Activation of Tuguers to Welcome the Day of Victory
5. Halal Bihalal Hari Raya Idul Fitri 1444 H 450
Halal Bihalal of Eid al-Fitr 1444 H
6. Tugu Anglers 4
7. Activation HUT RI ke-78 : Semangat Bersatu dalam Keharmonisan Untuk #BeraniMelangkahMaju!! 70
Activation of 78th Indonesian Anniversary: Spirit of Unity in Harmony to #DareToStepForward!!!
8. Activation Semangat Kemerdekaan RI 7
The Spirit of Independence Activation
9. AAUI Cup 2023 56
10. Activation Hari Batik Nasional 15
National Batik Day Activation
11. Activation Hari Asuransi Nasional 2
National Insurance Day Activation
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Judul Training Jumlah Peserta
No.
Training Title Total Participant
12. Rangkaian Internal Competition 2023 182
Internal Competition Series 2023
13. Activation Berhadiah Life at Tugu 25
Life at Tugu's Activation with Prize
14. Donor Darah 2023 316
Blood Donation 2023
15. Tuguers Bersama Melangkah Lebih Sehat 450
Tuguers Walk Together to Get Healthier
16. The Biggest Loser Diet 76
17. Employee Gathering 2023 480
18. Photo Challenge HUT Tugu 42 7
19. Video Challenge HUT Tugu 42 15
20 Year End Lunch with Directors 23
Biaya Pengembangan Kompetensi Tahun 2023
Employee Development Cost in 2023
Realisasi biaya pengembangan pekerja tahun 2023 adalah The realization of cost for employee development in 2023
sebesar Rp12.793.635.383 atau 75% dari keseluruhan was IDR12,793,635,383 or 75% of the total budget planned
anggaran yang direncanakan pada RKAP 2023 sebesar in the 2023 RKAP of IDR17,097,950,000.
Rp17.097.950.000.
Rencana Pengembangan Kompetensi Tahun 2024
Competency Development Plan for 2024
Berikut adalah informasi mengenai rencana pelatihan The following is information regarding employee training
karyawan yang akan dilakukan di tahun 2024: plans that will be carried out in 2024:
1. Individual Development Program for Promoted Employees; 1. Individual Development Program for Promoted Employees;
2. Leadership Series for Leaders; 2. Leadership Series for Leaders;
3. Service Training Series; 3. Service Training Series;
4. Sales Training Series; 4. Sales Training Series;
5. Digital Training; 5. Digital Training;
6. Management Trainee Program. 6. Management Trainee Program.
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Informasi Mengenai Kepemilikan Saham
Shareholding Information
Susunan kepemilikan saham Tugu Insurance pada awal dan The following is information regarding Tugu Insurance’s
akhir tahun 2023 berdasarkan catatan yang dibuat oleh Biro share ownership at the beginning and end of 2023 based
Administrasi Efek Perseroan, PT Dantindo Entrycom, dapat on records made by the Company’s Share Registrar, PT
dilihat sebagai berikut: Datindo Entrycom:
Komposisi Pemegang Saham Tugu dengan Kepemilikan Saham >5%
Composition of Tugu Shareholders with Share Ownership of >5%
2 Januari 2023 31 Desember 2023
Nama Pemegang Saham 2 January 2023 31 December 2023
Name of Shareholder Jumlah Saham Kepemilikan Saham Jumlah Saham* Kepemilikan Saham
Total Shares Shareholding Total Shares* Shareholding
PT Pertamina (Persero) 1.040.000.000 58,50% 2.080.000.000 58,50%
UOB Kay Hian Pte. Ltd. 282.380.000 15,88% 565.040.000 15,89%
Samsung Fire and Marine Insurance Co. Ltd. 94.117.000 5,29% 188.234.000 5,29%
Pemegang Saham Lainnya (di bawah 5%)
361.290.800 20,32% 722.301.600 20,32%
Other shareholders (under 5%)
Jumlah
1.777.787.800 100% 3.555.575.600 100%
Total
*setelah stock split dengan rasio 1:2
*after stock split with a ratio of 1:2
Kepemilikan Saham Anggota Dewan Komisaris dan Direksi
Share Ownership of the Board of Commissioners and the Board of Directors
Kepemilikan Saham pada 31 Desember
Kepemilikan Saham pada 2 Januari 2023
2023
Nama & Jabatan Share Ownership as of 2 January 2023
Share Ownership as of 31 December 2023
Name & Position
Lembar Saham* Lembar Saham
% %
Number of Shares* Number of Shares
Dewan Komisaris
Board of Commissioners
Dian Masyita
Presiden Komisaris & Komisaris Independen
0 0 0 0
President Commissioner & Independent
Commissioner
Bagus Agung Rahadiansyah
Komisaris 0 0 0 0
Commissioner
Samuel Ramna
Komisaris 0 0 0 0
Commissioner
Poerwo Tjahjono
Komisaris Independen 0 0 0 0
Independent Commissioner
Tajudin Noor
Komisaris Independen 0 0 0 0
Independent Commissioner
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Kepemilikan Saham pada 31 Desember
Kepemilikan Saham pada 2 Januari 2023
2023
Nama & Jabatan Share Ownership as of 2 January 2023
Share Ownership as of 31 December 2023
Name & Position
Lembar Saham* Lembar Saham
% %
Number of Shares* Number of Shares
Direksi
Board of Directors
Tatang Nurhidayat
Presiden Direktur 29.000 0,0016% 132.000 0,0037%
President Director
Emil Hakim
Direktur Keuangan & Layanan Korporat 51.000 0,0029% 102.000 0,0029%
Director of Corporate Finance & Services
Ery Widiatmoko
Direktur Pemasaran Asuransi 0 0 0 0
Director of Insurance Marketing
Edi Yoga Prasetyo
Direktur Kepatuhan & Manajemen Risiko 0 0 0 0
Director of Compliance & Risk Management
Sudarlin
Direktur Teknik 2.500 0,0001% 15.000 0,0004%
Technical Director
*sebelum aksi korporasi stock split dengan rasio 1:2
*prior to the corporate action of stock split with a ratio of 1:2
Pemegang Saham Masyarakat dengan Kepemilikan Public Shareholders with Share Ownership <5%
Saham <5% (“Free Float”) (“Free Float”)
Kelompok pemegang saham masyarakat (“free float”), yaitu The public shareholder consists of shareholders, each
kelompok pemegang saham yang masing-masing memiliki owning less than 5% (five percent) of the Company (“free
kurang dari 5% (lima persen) saham Perseroan yang mana float”), consisting of:
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; 5. Limited Company;
6. Reksadana. 6. Mutual Funds.
Pemodal Asing: Foreign Investors:
1. Perorangan Asing; 1. Foreign Individuals;
2. Badan Usaha Asing. 2. Foreign Institutions.
2 Januari 2023 31 Desember 2023
Nama Pemegang Saham 2 January 2023 31 December 2023
Name of Shareholder Jumlah Saham Kepemilikan Saham Jumlah Saham Kepemilikan Saham
Total Shares Shareholding Total Shares Shareholding
Pemegang Saham Masyarakat dengan
Kepemilikan Saham <5% (“Free Float”)
361.186.200* 20,32% 722.052.600 20,31%
Public Shareholders with Share Ownership
<5% (“Free Float”)
*sebelum aksi korporasi stock split dengan rasio 1:2
*prior to the corporate action of stock split with a ratio of 1:2
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Kepemilikan Saham Tidak Langsung Anggota Indirect Share Ownership of Members of Board of
Dewan Komisaris dan Direksi Commissioners and Directors
Di tahun 2023, seluruh anggota Direksi maupun Dewan In 2023 all members of the Board of Directors and Board of
Komisaris Tugu Insurance tidak mempunyai kepemilikan Commissioners of Tugu Insurance have no indirect ownership
tidak langsung atas saham Tugu Insurance. 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 2023: as of end of fiscal year ending 31 December 2023:
31 Desember 2023
Kelompok Pemegang Saham 31 December 2023
Shareholder Group Jumlah Saham Kepemilikan Saham (%)
Total Shares Shareholding
Institusi Lokal
2.259.107.700 63,54%
Local Institutions
Institusi Asing
965.186.782 27,15%
Foreign Institutions
Individu Lokal
331.018.318 9,31%
Local Individual
Individu Asing
262.800 0,007%
Foreign Individual
Total 3.555.575.600 100%
Informasi Mengenai
Pemegang Saham Utama/Pengendali
Information on Principal/Controlling Shareholders
Pemerintah RI Melalui Kementerian BUMN
Indonesia Goverment throught Ministry of SOEs
PT Pertamina (Persero)
PT Asuransi Tugu Pratama Indonesia Tbk
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Pemegang Saham Pengendali Tugu Insurance adalah The Controlling Shareholders of Tugu Insurance is
PT Pertamina (Persero) dengan kepemilikan sebesar PT Pertamina (Persero) with 58.50% ownership. Meanwhile,
58,50%. Sedangkan Pemerintah Republik Indonesia the Government of the Republic of Indonesia is the ultimate
merupakan pemegang saham terakhir Perseroan. beneficial owner of the Company.
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 whose
yang sahamnya 100% dimiliki oleh Pemerintah Republik shares are 100% owned by the Government of the Republic
Indonesia melalui Kementerian Badan Usaha Milik Negara of Indonesia, with the Ministry of State-Owned Enterprises
(BUMN) selaku pemegang saham. Pertamina bergerak dalam (BUMN) as shareholders. Pertamina is engaged in the
penyelenggaraan usaha energi, yaitu minyak dan gas bumi, operation of the energy business, namely oil and gas, new
energi baru dan terbarukan, serta kegiatan lain yang terkait and renewable energy, as well as other activities related to or
atau menunjang kegiatan usaha di bidang energi, yaitu supporting business activities in the energy sector, namely
minyak dan gas bumi, energi baru dan terbarukan tersebut oil and gas, new and renewable energy, and the development
serta pengembangan optimalisasi sumber daya yang of optimization of the Company’s resources.
dimiliki Perusahaan.
Alamat: Address:
Jl. Medan Merdeka Timur 1A, Jakarta 10110 Jl. Medan Merdeka Timur 1A, Jakarta 10110
Pada saat Laporan Tahunan 2023 ini disusun, informasi At the time this 2023 Annual Report was prepared, the
mengenai Dewan Komisaris dan Direksi PT Pertamina composition of the Board of Commissioners and Directors of
(Persero) adalah sebagai berikut: PT Pertamina (Persero) was as follows:
Dewan Komisaris: Board of Commissioners:
• Vacant: Komisaris Utama • Vacant: President Commissioner
• 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
• Alexander Lay: Komisaris Independen • Alexander Lay: Independent Commissioner
• Ahmad Fikri Assegaf: Komisaris Independen • Ahmad Fikri Assegaf: Independent Commissioner
• Iggi H. Achsien: Komisaris Independen • Iggi H. Achsien: Independent Commissioner
Direksi: Board of Directors:
• Nicke Widyawati: Direktur Utama • Nicke Widyawati: 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, Portofolio, • Atep Salyadi Dariah Saputra: Director of Strategy,
dan Pengembangan Usaha Portfolio and New Ventures
• Ahmad Siddik Badruddin: Direktur Manajemen Risiko • Ahmad Siddik Badruddin: Director of Risk Management
132 LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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Struktur Grup Perusahaan
Company Group Structure
Per 31 Desember 2023, struktur grup Tugu Insurance mulai The following chart details the structure of the Tugu
dari entitas induk, entitas anak, hingga entitas asosiasi yang Insurance group, including the parent entity, subsidiaries,
dimiliki dapat dilihat sebagai berikut: associates, as of 31 December 2023:
99,99% 30,00% 14,83%
27,50% PT TUGU PT ASURANSI PT REASURANSI
PRATAMA SAMSUNG TUGU MAIPARK
INTERINDO INDONESIA
72,50% 100% 99,99% 99,90% 50,74% 5,28%
TUGU TRB (LONDON) PT PRATAMA PT SYNERGY PT TUGU PT ASURANSI
INSURANCE LIMITED MITRA RISK REASURANSI STACO
COMPANY SEJATI MANAGEMENT INDONESIA MANDIRI
LIMITED CONSULTANS
Entitas Anak | Subsidiaries Entitas Asosiasi | Associates Penyertaan Langsung | Direct Participation
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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
Kegiatan
Perusahaan Kepemilikan (%) Eliminasi (dalam Rp) Status
Komersil
Entitas Anak Bidang Usaha Domisili Ownership (%) Total Assets Before Elimination Operasi
Starting
Subsidiary Business Field Location (in IDR) Operational
Year of
Company Status
Commercial
Activities 2023 2022 2023 2022
PT Tugu Pratama Investasi saham Wisma Tugu II 1994 99,99 99,99 3.992.978.986 3.914.076.193 Beroperasi
Interindo Stock Lantai 8, Jalan Operating
(Interindo) Investment HR. Rasuna
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
Kegiatan Jumlah Aset Sebelum
Perusahaan Kepemilikan (%) Eliminasi (dalam Rp) Status
Komersil
Entitas Anak Bidang Usaha Domisili Ownership (%) Total Assets Before Elimination Operasi
Starting
Subsidiary Business Field Location (in IDR) Operational
Year of
Company Status
Commercial
Activities 2023 2022 2023 2022
PT Pratama Real estate, Wisma Tugu 1990 99,99 99,99 2.475.050.589 2.233.741.431 Beroperasi
Mitra Sejati persewaan, Raden Operating
(“PMS”)* pengembangan Saleh, Jl. Raden
dan jasa servis Saleh No. 44,
real estate, Jakarta 10330
perdagangan
Real estate,
rental,
development
and service real
estate, trading
PT Synergy Risk Manajemen Wisma Tugu II, 1995 99,90 99,90 62.352.335 56.277.980 Beroperasi
Management Risiko, Surveyor Lantai 4 Jl. HR. Operating
Consultants dan Penilai Rasuna Said,
(“Synergy”) Risk Kav. C7, Jakarta
Management, 12920
Surveyor and
Valuation
TRB (London) Broker dan Chase End, 1987 100,00 100,00 692.537 750.207 Run-Off
Limited (“TRB”)* Konsultan Cobbins Chase,
Reasuransi Burnham on
Brokerage and Crouch, Essex
Reinsurance CM0 8QF,
Consultant England
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Tahun Awal
Kegiatan Jumlah Aset Sebelum
Perusahaan Kepemilikan (%) Eliminasi (dalam Rp) Status
Komersil
Entitas Anak Bidang Usaha Domisili Ownership (%) Total Assets Before Elimination Operasi
Starting
Subsidiary Business Field Location (in IDR) Operational
Year of
Company Status
Commercial
Activities 2023 2022 2023 2022
Tugu Insurance Asuransi Umum 28/F United Asia 1965 100,00 100,00 2.546.789.784 2.604.916.346 Beroperasi
Company Limited General Finance Centre Operating
(TIC)** Insurance 333 Lockhart
Road, Wanchai,
Hong Kong
PT Tugu Reasuransi Wisma Tugure 1987 50,74 50,74 5.901.020.745 5.208.481.687 Beroperasi
Reasuransi Reinsurance Jl. Raden Saleh Operating
Indonesia (TRI)* No. 50, Jakarta
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 (%) Status Operasi
Entitas Asosiasi Bidang Usaha Domisili Komersil Ownership (%) Operational
Associates Business Field Location Starting Year
Status
Company of Commercial
Activities
2023 2022
PT Asuransi Asuransi Umum AIA Central, 27th 1996 30,00 30,00 Beroperasi
Samsung Tugu General Insurance Floor, Jl. Jend. Operating
Sudirman, Kav.
48A, Jakarta
12930, Indonesia
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Daftar dan Profil Penyertaan Langsung
List and Profile of Direct Participation
Perusahaan Tahun Awal
Penyertaan Kegiatan Kepemilikan (%) Status Operasi
Langsung Bidang Usaha Domisili Komersil Ownership (%) Operational
Direct Business Field Location Starting Year
Status
Participation of Commercial
Company Activities
2023 2022
PT Reasuransi Reasuransi Risiko Multivision Tower 2003 14,83 14,58 Beroperasi
Maipark Indonesia Khusus lantai 8, Jl. Operating
Special Risk Kuningan Mulia
Reinsurance Blok 9 B, Jakarta
12960.
Daftar dan Profil Entitas Asosiasi melalui Interindo
List and Profile of Associates through Interindo
Tahun Awal
Kegiatan Kepemilikan (%)
Perusahaan Status Operasi
Bidang Usaha Domisili Komersil Ownership (%)
Entitas Asosiasi Operational
Business Field Location Starting Year
Associates Status
of Commercial
Activities
2023 2022
PT Asuransi Staco Asuransi Umum Jl. Kebon Kacang 1990 5,28 5,28 Beroperasi
Mandiri General Insurance Raya No.25 Lantai Operating
3-4, Tanah Abang,
Jakarta Pusat
10240
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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 pernyataan On 17 May 2018, Tugu Insurance obtained an effective
efektif dari Otoritas Jasa Keuangan (OJK) dengan suratnya statement from the Financial Services Authority (OJK) with
No. S50/D.04/2018 untuk melakukan Penawaran Umum its letter No. S50/D.04/2018 to conduct an Initial Public
Perdana Saham (Initial Public Offering atau IPO) kepada Offering (IPO) of 177,777,800 shares with a nominal
masyarakat sebanyak 177.777.800 saham dengan nilai value of IDR100 per share and an initial share price of
nominal Rp100 per saham dan harga saham perdana IDR3,850 per share. The Company’s shares were listed on
Rp3.850 per saham. Saham Perseroan tersebut dicatatkan the Indonesia Stock Exchange on 28 May 2018 with the
di Bursa Efek Indonesia (BEI) pada tanggal 28 Mei 2018 stock code “TUGU”. As of 31 December 2018, all of the
dengan kode saham “TUGU”. Pada tanggal 31 Desember Company’s shares have been listed on the Indonesia Stock
2018 seluruh saham Perseroan telah dicatatkan pada Bursa Exchange (IDX).
Efek Indonesia (BEI).
Kronologis Pencatatan Saham dan Perubahan Jumlah Saham
Chronology of Stock Listing and Changes in Number of Shares
Nilai Nominal
Tahun Aksi Korporasi Jumlah Saham per Lembar Modal Disetor
Year Corporate Action Total Shares Nominal Value Paid-in Capital
per Share
2018 Penawaran Perdana | Initial Offering
• Saham Pendiri 1.600.000.000 Rp100 Rp160.000.000.000
Founder’s Shares
• Penawaran Umum Perdana Saham 177.777.800 Rp100 Rp17.777.780.000
Initial Public Offering Total
Total Pencatatan Saham di BEI 1.777.777.800 Rp177.777.780.000
Listing on IDX
2022 Hasil Pelaksanaan Opsi MESOP Tahap 3 10.000 Rp100 Rp1.000.000
tanggal 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 2023 dengan rasio 1:2 3.555.575.600 Rp50 Rp177.778.780.000
Conduct Stock Split on 24 May 2023, with a ratio of 1:2
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Kronologi Penerbitan dan/atau
Pencatatan Efek Lainnya
Chronology of the Issuance and/or the Listing of Other Securities
Hingga 31 Desember 2023, Tugu Insurance tidak As of 31 December 2023, Tugu Insurance has not issued
menerbitkan Efek lainnya dalam bentuk apapun selain yang any other securities other than those described in the Stock
telah dipaparkan pada Kronologis Penerbitan dan Pencatatan Issuance and Listing Chronology above. Therefore, there
Saham di atas. Dengan demikian, tidak terdapat informasi is no information regarding other securities, the year of
tentang nama efek lainnya, tahun penerbitan efek lainnya, issuance of other securities, interest rate/return of other
tingkat bunga/imbalan efek lainnya, tanggal jatuh tempo efek securities, the maturity date of other securities, offering
lainnya, nilai penawaran efek lainnya, nama bursa dimana value of other securities, name of exchange where other
efek lainnya dicatatkan, dan peringkat efek. securities are listed, and rating of securities.
Informasi Mengenai
Kantor Akuntan Publik dan Akuntan Publik
Information Regarding Public Accountant Firm and Public Accountant
Nama KAP Amir Abadi Jusuf, Aryanto, Mawar, dan Rekan (Member of the RSM Network)
Name of PAF
Alamat Plaza Asia Building, 10th Floor,
Address Jl. Jend. Sudirman Kav. 59,
Jakarta 12190
Nama Akuntan Publik Bimo Iman Santoso
Name of Public Accountant
Jasa yang Diberikan Melakukan audit dan menerbitkan laporan audit atas laporan keuangan konsolidasian dari Perseroan dan Entitas
Service Provided Anak untuk tahun buku yang berakhir tanggal 31 Desember 2023
Conduct audits and issue audit reports on the consolidated financial statements of the Company and
Subsidiaries for the fiscal year ending 31 December 2023
Periode Penugasan Tahun Buku 2023
Service Period Fiscal Year 2023
Biaya Jasa (Fee) Audit Rp1.480.000.000 (diluar PPN)
Audit Fee IDR1,480,000,000 (excluding VAT)
Biaya Jasa (Fee) Non-Audit Tidak memberikan jasa non-audit.
Non-Audit Fee Does not provide non-audit services.
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Lembaga dan/atau Profesi
Penunjang Pasar Modal Lainnya
Other Capital Market Supporting Institutions and/or Professions
Biro Administrasi Efek (BAE)
Share Registrar
Nama BAE
PT Datindo Entrycom
Name of Share Registrar
Alamat Jl. Hayam Wuruk No. 28
Address Jakarta Pusat 10120
Notaris
Notary
Nama Notaris
Jose Dima Satria SH., M.Kn.,
Name of Notary
Alamat Komplek Taman Gandaria No. 11 A, RT.8/RW.3
Address Gandaria Selatan, Cilandak
Jakarta 12420
Telp/Fax: (62 21) 29125500
Email: jose@josedima99.com/josedima99@gmail.com
Konsultan Hukum
Legal Consultant
Nama Konsultan Hukum
Nurjadin Sumono Mulyadi & Partners
Name of Legal Consultant
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
Kantor Jasa Penilai Publik (KJPP)
Registered Public Appraiser
Nama KJPP
Ruky Safrudin & Rekan
Name of Registered Public Appraiser
Alamat Perkantoran Gedung Gajah Blok H, Jl. Dr. Saharjo No. 111, Kelurahan Tebet Barat, Kecamatan
Address Tebet, Jakarta Selatan 12810
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Tinjauan Makroekonomi
Macroeconomic Review
Rapat Dewan Komisioner Bulanan Otoritas Jasa Keuangan The Monthly Board of Commissioners Meeting of the
(OJK) pada 3 Januari 2024 menilai stabilitas sektor jasa Financial Services Authority (OJK) on 3 January 2024
keuangan nasional terjaga, didukung oleh permodalan yang assessed that the stability of the national financial
kuat dan likuiditas yang memadai serta profil risiko yang services sector is well-maintained, supported by strong
terjaga sehingga mampu menghadapi potensi perlambatan capital and sufficient liquidity, as well as a maintained risk
pertumbuhan ekonomi global. profile to be able to face the potential slowdown in global
economic growth.
Indikator perekonomian menunjukkan moderasi Economic indicators show moderation in economic growth
pertumbuhan ekonomi di beberapa negara, khususnya di in several countries, especially in the European Union and
negara Uni Eropa dan Tiongkok. Perlambatan pertumbuhan China. The economic growth slowdown has pushed inflation
ekonomi mendorong inflasi turun mendekati target inflasi lower and closer to the inflation target, allowing room for
sehingga memberikan ruang bagi bank sentral untuk lebih central banks to be more accommodative. In the United
akomodatif. Di Amerika Serikat (AS), the Fed mengisyaratkan States (US), the Fed indicated that it would cut its policy
akan menurunkan suku bunga kebijakan sebesar 75 bps interest rates by 75 bps in 2024 where the market assessed
di 2024 dimana pasar menilai ekonomi AS masih cukup that the US economy is still fairly resilient and is not
resilient dan diperkirakan tidak akan mengalami resesi. expected to enter a recession.
Namun demikian, pasar masih mencermati perkembangan However, the market is still carefully following the geopolitical
geopolitik ke depan, seperti eskalasi ketegangan di developments, such as the escalation of tensions in the
laut merah imbas dari konflik Palestina-Israel, serta Red Sea due to the Palestinian-Israeli conflict, as well as
penyelenggaraan pemilihan umum yang mencakup 50 persen organizing elections that cover 50 percent of the world's
populasi dunia terutama di beberapa negara utama seperti population especially in some key countries such as the US,
AS, Uni Eropa, India, dan Taiwan. EU, India, and Taiwan.
Secara umum sentimen di pasar keuangan gobal cenderung In general, sentiment in global financial markets tends to
positif pada Desember 2023 didukung oleh ekspektasi be positive in December 2023 supported by expectations of
penurunan suku bunga Fed Funds Rate (FFR) dan narasi soft a reduction in the Fed Funds Rate (FFR) and a soft-landing
landing di AS, sehingga mendorong kembalinya aliran dana narrative in the US, thus encouraging the return of fund
masuk ke Emerging Markets (EM) dan penguatan pasar inflows to Emerging Markets (EM) and strengthening global
keuangan global, termasuk pasar keuangan Indonesia. financial markets, including the Indonesian financial market.
Volatilitas baik di pasar saham, surat utang, maupun nilai Volatility in the stock market, bonds, and exchange rates
tukar juga terpantau menurun. were also observed to decrease.
Di sisi lain, pertumbuhan ekonomi Indonesia masih terbilang Meanwhile, Indonesia's economic growth is still fairly
tangguh di tengah dinamika yang terjadi. Data Badan Pusat resilient despite the dynamics that occur. Data from the
Statistik (BPS) mencatat perekonomian Indonesia 2023 yang Statistics Indonesia (BPS) recorded that the Indonesian
diukur berdasarkan Produk Domestik Bruto (PDB) atas dasar economy in 2023, as measured by Gross Domestic Product
harga berlaku mencapai Rp20.892,4 triliun dan PDB per (GDP) at current prices, reached IDR20,892.4 trillion and
kapita mencapai Rp75,0 juta atau US$4.919,7. GDP per capita reached IDR75.0 million or US$4,919.7.
Ekonomi Indonesia tahun 2023 tumbuh sebesar 5,05 Indonesia's economy in 2023 experienced a growth
persen, lebih rendah dibanding capaian tahun 2022 yang of 5.05 percent, lower than the achievement in 2022
mengalami pertumbuhan sebesar 5,31 persen. Dari sisi which increased by 5.31 percent. In terms of production,
produksi, pertumbuhan tertinggi terjadi pada Lapangan the highest growth occurred in the Transportation and
Usaha Transportasi dan Pergudangan sebesar 13,96 persen. Warehousing Business Field at 13.96 percent. As
Sementara dari sisi pengeluaran pertumbuhan tertinggi for expenditure, the highest growth was achieved by
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dicapai oleh Pengeluaran Konsumsi Lembaga Nonprofit yang Consumption Expenditure of Nonprofit Institutions Serving
Melayani Rumah Tangga (PK-LNPRT) sebesar 9,83 persen. Households (PK-LNPRT) by 9.83 percent.
Pertumbuhan Produk Domestik Bruto (PDB), 2017-2023
Gross Domestic Product (GDP) Growth Rate, 2017-2023
(%)
5,07 5,17 5,31 5,05
5,02
3,70
2020
2017 2018 2019 2021 2022 2023
-2,07
Pertumbuhan PDB Pertumbuhan PDB
Menurut Lapangan Usaha, 2023 (%) Menurut Pengeluaran, 2023 (%)
GDP Growth Rate by Business Field (%) GDP Growth Rate by Expenses, 2023 (%)
13,96
9,83
1,30
6,12
4,85 5,33 4,82
4,64 4,40
2,95
1,30 1,32
-1,65
Pertanian Pertambangan & Industri Perdagangan & Transportasi & Lainnya Konsumsi Konsumsi LNPRT Konsumsi PMTB Ekspor Impor
Agriculture Penggalian Pengolahan Reparasi Pergudangan Others Rumah Tangga Non-profit Pemerintah Gross Fixed Export Import
Mining & Manufacturing Trade & Repair Transportation & Household Institutions Government Capital Formation
Quarrying Warehousing Consumption serving Consumption (PMTB)
Households
(LNPRT)
Consumption
Sumber : Badan Pusat Statistik
Source: Statistics Indonesia
Meskipun terdapat tantangan global, seperti ketidakpastian Despite global challenges, such as geopolitical uncertainty
geopolitik dan perubahan kebijakan moneter di beberapa and monetary policy changes in several countries,
negara, pasar keuangan Indonesia menunjukkan ketahanan Indonesia's financial markets showed positive resilience.
yang positif. Penurunan volatilitas di pasar saham, surat Decreased volatility in the stock market, bonds, and
utang, dan nilai tukar mencerminkan stabilitas yang exchange rate reflects the growing stability. With solid
semakin kuat. Dengan proyeksi pertumbuhan ekonomi economic growth projected for 2023, Indonesia is ready
yang solid untuk tahun 2023, Indonesia siap menghadapi to face global challenges, maintain economic stability, and
berbagai tantangan global, menjaga stabilitas ekonomi, dan make a positive contribution to the world economy.
memberikan kontribusi positif bagi perekonomian dunia.
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Tinjauan Industri
Industry Review
Industri Asuransi
Insurance Industry
Membaiknya kondisi ekonomi pasca pandemi menjadi Improving economic conditions following the pandemic has
katalis positif bagi industri asuransi. Kondisi pandemi been a positive catalyst for the insurance industry. The
yang berlangsung selama 3 tahun membuat masyarakat 3-year pandemic has heightened public awareness of the
semakin memahami pentingnya asuransi dan berhasil importance of insurance and had a positive impact on the
memberikan dampak positif bagi industri asuransi secara insurance industry in general. As a result, the insurance
umum. Untuk itu, industri asuransi terus beradaptasi industry continues to adapt quickly in order to maintain
secara cepat agar tetap dapat membukukan capaian positif positive achievements on an ongoing basis.
secara berkesinambungan.
Industri asuransi juga berperan penting dalam roda The insurance industry also plays an important role in
perekonomian yang memiliki peran penting untuk melindungi the economy which has an important role in preventing
kejadian tidak terduga atas risiko-risiko yang dapat unexpected events from risks that might affect business
berdampak kepada badan usaha maupun individu. Dalam entities and individuals. In the financial ecosystem, the
ekosistem keuangan, industry asuransi juga berperan aktif insurance industry also plays an active role that encourages
mendorong pertumbuhan industri lainnya. other industrial growth.
Berikut disajikan ekosistem asuransi dalam kurun waktu 5 The following show the insurance ecosystem over the past
tahun belakangan ini: 5 years:
Deskripsi
2018 2019 2020 2021 2022 2023
Description
Asuransi Umum 76 73 72 71 72 72
General Insurance
Reasuransi 6 6 6 6 7 7
Reinsurance
Asuransi Jiwa 59 53 52 53 53 49
Life Insurance
Program Jaminan Sosial 2 2 2 2 2 2
Social Security Program
Asuransi Sosial untuk PNS, TNI-Polri 3 3 3 3 3 2
Social Insurance For Civil Servants,
Armed Forces And Police
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Jasa Penunjang Asuransi
2018 2019 2020 2021 2022 2023
Insurance Supporting Services
Pialang Asuransi 169 161 160 156 155 152
Insurance Broker
Pialang Reasuransi 42 42 42 41 41 41
Reinsurance Broker
Penilai Klaim 27 27 26 26 27 28
Loss Adjuster
Sumber : OJK
Source : OJK
Industri asuransi di Indonesia memiliki peluang yang cukup The insurance industry in Indonesia has substantial
besar, dimana Indonesia memiliki jumlah penduduk yang opportunities, where Indonesia has a large population
besar dan didominasi oleh kelas menengah. Walaupun and is dominated by the middle class. Despite a decline
penetrasi asuransi di Indonesia dalam dua tahun terakhir in insurance penetration in Indonesia over the past two
mengalami penurunan, namun total premi bruto industri years, the insurance industry's total gross premiums have
asuransi telah mengalami pemulihan dan terus mengalami rebounded and are still rising since the COVID-19 pandemic
peningkatan sejak pandemi COVID-19 di tahun 2020. Hal in 2020. This is also in line with the insurance industry's
ini juga sejalan dengan peningkatan densitas asuransi per annual increase in insurance density. Insurance density is
tahun industri asuransi. Densitas asuransi merupakan a measure of the average community income allocated to
ukuran rata-rata pendapatan masyarakat yang disisihkan insurance products in one year, while insurance penetration
untuk produk asuransi dalam satu tahun, sedangkan is the insurance industry funds compared to Gross Domestic
penetrasi asuransi adalah dana industri asuransi yang Product (GDP).
dibandingkan dengan Produk Domestik Bruto (PDB).
Premi Bruto Penetrasi Asuransi Densitas Asuransi/Tahun
Gross Premium Insurance Penetration Insurance Density/Year
PDB Populasi
GDP Population Non Non
Industri Jiwa Industri Jiwa Industri Non Jiwa Jiwa
Jiwa Jiwa
Tahun Industry Life Industry Life Industry Non Life Life
Non Life Non Life
Year
Rp Rp Rp Rp
Dalam Rp Ribu Rp Ribu Rp Ribu
Triliun Triliun Triliun Triliun
Juta % % % IDR IDR IDR
IDR IDR IDR IDR
In Million Thousand Thousand Thousand
Trillion Trillion Trillion Trillion
2019 15.834 268 478,7 80,1 185,3 3,03% 0,51% 1,17% 1.704 299 692
2020 15.434 271 447,4 76,9 171,9 3,23% 0,50% 1,11% 1.747 285 634
2021 16.971 273 520,0 76,9 184,3 3,06% 0,45% 1,09% 1.899 281 675
2022 19.588 276 532,9 89,7 170,0 2,72% 0,46% 0,87% 1.931 325 616
2023 20.892 279 551,4 111,4 151,7 2,64% 0,53% 0,73% 1.977 399 544
Sumber : OJK
Source : OJK
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Aset Industri Industry Assets
Dari sisi aset, industri asuransi Indonesia mencatatkan In terms of assets, the Indonesian insurance industry
pertumbuhan sebesar 68,6% dengan total nilai sebesar recorded a growth of 68.6% with a total value of IDR1,843.0
Rp1.843,0 triliun, sementara di tahun sebelumnya hanya trillion, while the previous year was only recorded at
tercatat sebesar Rp1.093,0 triliun. Kontribusi terbesar dari IDR1,093.0 trillion. The largest contribution of the asset
porsi aset berasal dari Asuransi Lainnya (Asuransi Sosial & portion came from Other Insurance (Social Insurance &
ABRI) yaitu 54% dengan nilai Rp995,1 triliun, jumlah tersebut Insurance for Indonesian Armed Forces) at 54% with a value
naik signifikan sebesar 259,8% jika dibandingkan dengan of IDR995.1 trillion, a significant increase of 259.8% when
catatan tahun sebelumnya yang berjumlah sebesar Rp276,6 compared to the previous year's record of IDR276.6 trillion,
triliun, sebagaimana grafis dan tabel berikut ini: as shown in the following graph and table:
Aset Industri Asuransi (dalam Rp Triliun)
Insurance Industry Assets (in IDR Trillion)
1.843,0
1.093,0
995,1
585,9 587,7
276,6 224,0
196,8
33,8 36,2
Industri Asuransi Others (Asuransi Sosial & ABRI) Asuransi Jiwa Asuransi Umum Reasuransi
Insurance Industry Others (Social Insurance & Insurance Life Insurance General Insurance Reinsurance
for Indonesian Armed Forces)
2022 2023
Pertumbuhan dan Porsi Aset Tumbuh Porsi
Growth and Asset Share Grow Portion
Others (Asuransi Sosial & ABRI) 259,8% 54,0%
Others (Social Insurance & Insurance for Indonesian Armed Forces)
Asuransi Jiwa 0,3% 31,9%
Life Insurance
Asuransi Umum 13,9% 12,2%
General Insurance
Reasuransi 7,0% 2,0%
Reinsurance
Industri Asuransi 68,6% 100%
Insurance Industry
Sumber : OJK Diolah
Source : OJK, Processed
Ekuitas Industri Industry Equity
Dari sisi ekuitas, industri asuransi Indonesia mencatatkan In terms of equity, the Indonesian insurance industry
pertumbuhan sebesar 10,7% dengan total nilai sebesar recorded a growth of 10.7% with a total value of IDR287.2
Rp287,2 triliun, sementara di tahun sebelumnya hanya trillion, while in the previous year it was only recorded at
tercatat sebesar Rp259,3 triliun. Kontribusi terbesar dari IDR259.3 trillion. The largest contribution came from life
porsi ekuitas berasal dari asuransi jiwa yaitu 44,1% dengan insurance at 44.1% with a value of IDR126.6 trillion, an
nilai Rp126,6 triliun, yang mengalami pertumbuhan sebesar increase of 22.9%, surpassing the previous year's record
22,9% jika dibandingkan dengan tahun sebelumnya yang of IDR102.9 trillion. On the contrary, the value of other
tercatat sebesar Rp102,9 triliun. Di sisi lain, asuransi insurance (social insurance and insurance for the Indonesian
lainnya (asuransi sosial & ABRI) mengalami penurunan armed forces) decreased by 19.3% to IDR63.8 trillion from
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sebesar 19,3% yaitu sebesar Rp63,8 triliun, sementara IDR79.1 trillion in the previous year. It is as shown in the
di tahun sebelumnya tercatat sebesar Rp79,1 triliun, table and graph below:
sebagaimana grafis dan tabel berikut ini:
Ekuitas Industri Asuransi (dalam Rp Triliun)
Insurance Industry Equity (in IDR Trillion)
287,2
259,3
126,6
102,9
88,5 79,1
70,7 63,8
6,6 8,3
Industri Asuransi Asuransi Jiwa Asuransi Umum Others (Asuransi Sosial & ABRI) Reasuransi
Insurance Industry Life Insurance General Insurance Others (Social Insurance & Insurance Reinsurance
for Indonesian Armed Forces)
2022 2023
Pertumbuhan dan Porsi Ekuitas Tumbuh Porsi
Growth and Equity Portion Grow Portion
Asuransi Jiwa 22,9% 44,1%
Life Insurance
Asuransi Umum 25,2% 30,8%
General Insurance
Others (Asuransi Sosial & ABRI) (19,3%) 22,2%
Others (Social Insurance and Insurance for Indonesian Armed Forces)
Reasuransi 25,6% 2,9%
Reinsurance
Industri Asuransi 10,7% 100,0%
Insurance Industry
Sumber : OJK Diolah
Source: OJK, Processed
Liabilitas Liabilities
Liabilitas industi asuransi di tahun 2023 mengalami Insurance industry liabilities in 2023 increased by 4.7% from
peningkatan sebesar 4,7% dari Rp1.533,4 triliun menjadi IDR1,533.4 trillion to IDR1,606.2 trillion.
Rp1.606,2 triliun.
Total Investasi Total Investment
Di tahun 2023, industri asuransi mencatatkan kinerja yang In 2023, the insurance industry recorded a positive
positif. Indikator tersebut tercermin dari pertumbuhan total performance. This indicator is reflected in the growth of total
investasi yang tercatat sebesar Rp1.533,3 triliun atau investment which was recorded at IDR1,533.3 trillion or
tumbuh sebesar 101% jika dibandingkan dengan capaian increased by 101% when compared to the previous year's
tahun sebelumnya yaitu sebesar Rp762,7 triliun. achievement of IDR762.7 trillion.
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Kinerja Industri Asuransi Tahun 2023
Insurance Industry Performance in 2023
(Dalam Rp triliun)
(In IDR trillion)
Industri Asuransi
Komponen Insurance Industry
Component Pertumbuhan
2023 2022
Growth
Total Investasi 1.533,3 762,7 101%
Total Investment
Total Aset 1.843,0 1.093,0 69%
Total Assets
Total Liabilitas 1.606,2 1.533,4 5%
Total Liabilities
Total Ekuitas 287,2 259,3 11%
Total Equity
Premi 551,4 532,9 3%
Premiums
Klaim 437,4 392,8 11%
Claims
Sumber: OJK
Source: OJK
Premi dan Klaim Industri Industry Premiums and Claims
Di tahun 2023, jumlah premi pada industri asuransi tercatat In 2023, the total premium in the insurance industry was
sebesar Rp551,4 triliun. Jumlah tersebut mengalami recorded at IDR551.4 trillion. This number increased by 3.5%
pertumbuhan sebesar 3,5% jika dibandingkan dengan when compared to the previous year which was recorded
tahun sebelumnya yang tercatat sebesar Rp532,9 triliun. at IDR532.9 trillion. The largest contribution came from
Kontribusi terbesar berasal dari premi asuransi lainnya other insurance premiums (social insurance & Insurance for
(asuransi sosial & ABRI) sebesar 46,4% dengan jumlah Indonesian Armed Forces) at 46.4% with a total premium of
premi Rp255,6 triliun. Angka tersebut mengalami kenaikan IDR255.6 trillion. This figure increased by 2.7% compared to
sebesar 2,7% jika dibandingkan dengan tahun sebelumnya the previous year which was recorded at IDR248.9 trillion.
yang tercatat sebesar Rp248,9 triliun. Di sisi lain, premi On the other hand, life insurance premiums decreased by
asuransi jiwa justru mengalami penurunan sebesar 7,4% di 7.4% in 2023 with a portion of premiums amounting to
tahun 2023 dengan porsi premi sebesar 28,5% dari total 28.5% of total insurance industry claims.
klaim industri asuransi.
Jumlah klaim pada industri asuransi tercatat sebesar The number of claims in the insurance industry was recorded
Rp437,3 triliun. Jumlah tersebut mengalami peningkatan at IDR437.3 trillion. An increase of 11.4% when compared
sebesar 11,4% jika dibandingkan dengan tahun sebelumnya to the previous year which was recorded at IDR392.8
yang tercatat sebesar Rp392,8 triliun. Kontribusi terbesar trillion. The largest contribution came from other insurance
berasal dari premi asuransi lainnya (asuransi sosial & premiums (social insurance & Insurance for Indonesian
ABRI) sebesar 50,6% dengan total klaim Rp221,3 triliun. Armed Forces) of 50.6% with total claims of IDR221.3
Angka tersebut mengalami kenaikan sebesar 17,6% jika trillion. This figure increased by 17.6% compared to the
dibandingkan dengan tahun sebelumnya yang tercatat previous year which was recorded at IDR188.2 trillion. Total
sebesar Rp188,2 triliun. Total klaim asuransi jiwa juga life insurance claims also increased by 1.4% in 2023 with
mengalami kenaikan sebesar 1,4% di tahun 2023 dengan a claims portion amounting to 34.9% of total insurance
porsi klaim sebesar 34,9% dari total klaim industri asuransi, industry claims where total premiums decreased in 2023, as
dimana total premi justru mengalami penurunan di tahun shown in the graphic and table below:
2023, sebagaimana tersaji pada grafis dan tabel di
bawah ini:
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Premi & Klaim Industri Asuransi (dalam Rp Triliun)
Insurance Industry Premiums & Claims (in IDR Trillion)
Premi Premiums 2022 2023
Industri Asuransi 532,9 Tumbuh Grow 3,5%
Insurance Industry
551,4 Porsi Portion 100,0%
Others (Asuransi Sosial & ABRI) 248,9 Tumbuh Grow 2,7%
Others (Social Insurance &
Insurance for Indonesian Armed Forces) 255,6 Porsi Portion 46,4%
Asuransi Jiwa 170,0 Tumbuh Grow -7,4%
Life Insurance
157,3 Porsi Portion 28,5%
Asuransi Umum 89,7 Tumbuh Grow 24,2%
General Insurance
111,4 Porsi Portion 20,2%
Reasuransi 24,3 Tumbuh Grow 11,5%
Reinsurance
27,1 Porsi Portion 4,9%
Klaim Claims 2022 2023
Industri Asuransi 392,8 Tumbuh Grow 11,4%
Insurance Industry
437,4 Porsi Portion 100,0%
Others (Asuransi Sosial & ABRI) 188,2 Tumbuh Grow 17,6%
Others (Social Insurance &
Insurance for Indonesian Armed Forces) 221,3 Porsi Portion 50,6%
Asuransi Jiwa 150,7 Tumbuh Grow 1,4%
Life Insurance
152,8 Porsi Portion 34,9%
Asuransi Umum 40,8 Tumbuh Grow 17,6%
General Insurance
48,0 Porsi Portion 11,0%
Reasuransi 13,2 Tumbuh Grow 16,5%
Reinsurance
15,3 Porsi Portion 3,5%
Sumber: OJK
Source: OJK
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Asuransi Umum
General Insurance
Premi Dicatat Asuransi Umum Tahun 2023 Premiums Recorded by General Insurance in 2023
Premi dicatat asuransi umum di tahun 2023 sebesar General insurance premiums recorded in 2023 amounted to
Rp103,9 triliun, meningkat sebesar 15,3% dibandingkan IDR103.9 trillion, an increase of 15.3% compared to 2022
dengan tahun 2022 yaitu sebesar Rp90,1 triliun. which amounted to IDR90.1 trillion. By considering the lines
Melihat per lini usaha asuransi umum, di tahun 2023 of business of general insurance, premium growth occurred
pertumbuhan premi terjadi hampir di sebagian besar lini in almost all lines of business in 2023. The highest premium
usaha. Pertumbuhan premi tertinggi terjadi pada lini bisnis growth occurred in the engineering (63.4%), credit (56.2%)
engineering (63,4%), kredit (56,2%) dan suretyship (32,4%). and suretyship (32.4%) lines of business. However, the
Namun lini usaha satelit terkoreksi sebesar -68,9%. satellite business line corrected by -68.9%.
103.867
90.121
79.862 76.985 78.144 15,3% 15,3%
14,3%
Premi Dicatat | General Insurance Recorded
1,5% Growth
-3,6%
2019 2020 2021 2022 2023
Tabel Premi Dicatat Asuransi Umum Tahun 2022-2023
Premiums Recorded by General Insurance in 2022-2023
Premi Dicatat
Lini Usaha Premiums Recorded
Line of Business Selisih Pertumbuhan
2022 2023
Difference Growth (%)
Property 26.233 26.489 256 1,0%
Motor Vehicle 18.149 19.497 1.348 7,4%
Marine Cargo 4.777 5.083 306 6,4%
Marine Hull 2.159 2.591 432 20,0%
Aviation 1.294 1.371 77 5,9%
Satelite 1.095 340 (755) (68,9%)
Energy On Shore 226 287 61 27,0%
Energy Off Shore 1.281 1.289 8 0,6%
Engineering 3.202 5.232 2.030 63,4%
Liability 3.540 3.957 417 11,8%
Accident 2.603 2.793 190 7,3%
Health 5.932 6.675 743 12,5%
Credit Insurance* 14.298 22.338 8.040 56,2%
Suretyship 1.367 1.809 442 32,4%
Miscellaneous 3.964 4.115 151 3,8%
All LOB 90.121 103.867 13.746 15,3%
Keterangan | Note:
*) Periode kredit jangka Panjang, Sumber: AAUI (72 Perusahaan Asuransi Umum)
*) long-term credit period, Source: AAUI (72 General Insurance Company)
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Premi Dicatat Melalui Jalur Distribusi Premiums Recorded Through Distribution Channel
Pendapatan premi dicatat asuransi umum tahun 2023 Premium income recorded by general insurance in 2023
berdasarkan jalur distribusi secara prosentase porsi terbesar based on distribution channels as a percentage of the
melalui broker asuransi sebesar (31%), diikuti dengan largest portion through insurance brokers amounting to
direct marketing (25,3%), agen asuransi (13,1%), leasing (31%), followed by direct marketing (25.3%), insurance
(14,9%), bancassurance (6,8%) dan sisanya kurang dari 5%. agents (13.1%), leasing (14.9%), bancassurance (6.8%) and
Pemasaran digital asuransi umum tercatat sebesar (1%). the rest less than 5%. Digital marketing of general insurance
was recorded at (1%).
Premi Dicatat Melalui Jalur Distribusi
Premiums Recorded Through Distribution Channel
Broker 31,0%
Direct 25,3%
Leasing 14,9%
Agen 13,1%
Others 7,2%
Banca 6,8%
Digital 1,0%
Telemark 0,7%
Affinity 0,0%
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Pangsa Pasar Premium Dicatat Asuransi Umum Market Share of Premiums Recorded by General
Tahun 2023 Insurance in 2023
Adapun pangsa pasar premi dicatat asuransi umum di The Market Share of Premiums Recorded by General
tahun 2023 didominasi oleh asuransi harta benda/property Insurance in 2023 is dominated by property insurance
(25,5%), asuransi kredit (21,5%), dan asuransi kendaraan (25.5%), credit insurance (21.5%), and motor vehicle
bermotor (18,8%). Total 3 lini usaha ini secara total insurance (18.8%). These 3 lines of business in total
mendominasi pangsa pasar sebesar 65,8% dari total premi dominate a market share of 65.8% of the total premiums
dicatat asuransi umum di tahun 2023. recorded by general insurance in 2023.
Suretyship Aviation
Pangsa Pasar Premi Dicatat 1,7% 1,3%
Lini Usaha Market Share of Premiums Recorded
Line of Business Marine Hull Energy On Shore
2022 2023 2,5% 1,2%
Property 29,1% 25,5% Accident Energy Off Shore
2,7% 0,3%
Motor Vehicle 20,1% 18,8%
Liability Satelite
Marine Cargo 5,3% 4,9% 3,8% 0,3%
Marine Hull 2,4% 2,5% Miscellaneous Property
4,0% 25,5%
Aviation 1,4% 1,3%
Satelite 1,2% 0,3% Marine Cargo
Energy Off Shore 0,3% 0,3% 4,9%
Energy On Shore 1,4% 1,2%
Engineering 3,6% 5,0%
Engineering
2023
Liability 3,9% 3,8% 5,0%
Accident 2,9% 2,7%
Health 6,6% 6,4% Health
6,4%
Credit Insurance* 15,9% 21,5%
Suretyship 1,5% 1,7%
Motor Vehicle Credit Insurance*
Miscellaneous 4,4% 4,0% 18,8% 21,5%
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Klaim Dibayar Asuransi Umum Tahun 2023 Claims Paid of General Insurance in 2023
Klaim di bayar asuransi umum tahun 2023 tercatat sebesar Claims paid of general insurance in 2023 were recorded at
Rp46,1 triliun meningkat sebesar 10,5% dibandingkan IDR46.1 trillion, an increase of 10.5% compared to 2022,
dengan tahun 2022 yaitu sebesar Rp41,7 triliun. which amounted to IDR41.7 trillion. The highest claim growth
Pertumbuhan klaim tertinggi terjadi pada lini bisnis liability occurred in these lines of business such as liability (159%),
(159%), suretyship (100%), dan asuransi kredit (33,8%). suretyship (100%), and credit insurance (33.8%).
Klaim Dibayar Asuransi Umum Tahun 2022-2023
Claims Paid of General Insurance in 2022-2023
46.133
41.748
37.353 36.110 36,1%
30.682
24,1%
10,5%
Premi Dicatat | General Insurance Recorded
-3,3%
Growth
-15%
2019 2020 2021 2022 2023
Klaim Dibayar Berdasarkan Jalur Distribusi Claims Paid Based on Distribution Channel
Pembayaran klaim asuransi umum berdasarkan jalur General insurance claims payment based on distribution
distribusi secara persentase porsi terbesar oleh broker channels as a percentage of the largest portion by insurance
asuransi/perantara sebesar (26,9%), diikuti dengan direct brokers amounting to (26.9%), followed by direct marketing
marketing (27,4%), agen asuransi (16,9%), leasing (11,7%) (27.4%), insurance agents (16.9%), leasing (11.7%) and the
dan sisanya dibawah 10%. Pemasaran digital asuransi umum rest are below 10%. Digital marketing of general insurance
tercatat sebesar 1,9%. was recorded at 1.9%.
Direct 27,4%
Broker 26,9%
Agen 16,9%
Leasing 11,7%
Banca 9,5%
Others 5,3%
Digital 1,9%
Telemark 0,4%
Affinity 0,0%
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Kontribusi Klaim Dibayar Asuransi Umum Contribution to General Insurance Paid Claim
Kontribusi klaim dibayar asuransi umum di tahun 2023 Contribution to general insurance paid claims in 2023
didominasi oleh asuransi kredit (36,6%), asuransi kendaraan is dominated by credit insurance (36.6%), motor vehicle
bermotor (15,3%), asuransi property (14,8%). Total 3 lini insurance (15.3%), property insurance (14.8%). These
usaha ini secara total mendominasi kontribusi klaim dibayar 3 lines of business in total dominate the paid claims
sebesar 66,7% dari total klaim dibayar asuransi umum di contribution of 66.7% of the total general insurance paid
tahun 2023. claims in 2023.
Suretyship Liability
Kontribusi Klaim Dibayar 1,6% 1,5%
Lini Usaha Claim Contribution Paid
Line of Business Accident Aviation
2022 2023 1,7% 0,5%
Property 21,9% 14,8% Miscellaneous Energy Off Shore
2,1% 0,1%
Motor Vehicle 15,6% 15,3%
Marine Hull Satelite
Marine Cargo 2,8% 3,3% 2,6% 0,1%
Marine Hull 2,3% 2,6% Energy On Shore Credit
2,8% Insurance*
Aviation 0,7% 0,5%
36,6%
Satelite 0,8% 0,1%
Energy Off Shore 0,1% 0,1% Engineering
3,3%
Energy On Shore 2,6% 2,8%
Engineering 3,0% 3,3%
Marine Cargo
2023
Liability 0,6% 1,5% 3,3%
Accident 2,2% 1,7%
Health 13,4% 13,8% Health
13,8%
Credit Insurance* 30,2% 36,6%
Suretyship 0,9% 1,6%
Property Motor Vehicle
Miscellaneous 2,8% 2,1% 14,8% 15,3%
Rasio Klaim Asuransi Umum Tahun 2023 General Insurance Claims Ratio in 2023
Rasio klaim asuransi umum tahun 2023 tercatat sebesar The general insurance claim ratio in 2023 was recorded at
44,4% mengalami penurunan sebesar 1,9%. 3 Lini usaha 44.4%, a decrease of 1.9%. There are 3 Lines of Business
yang mencatatkan rasio klaim terbesar yaitu energy on shore that recorded the largest claim ratios namely energy on
(99,4%), kesehatan (95,3%), dan asuransi kredit (75,6%). shore (99.4%), health (95.3%), and credit insurance (75.6%).
Tahun Motor Marine Marine Energy Energy Credit
Property Aviation Satelite Engineering Liability Accident Health Suretyship Miscellaneous All LOB
Year Vehicle Cargo Hull On Shore Off Shore Insurance
2023 25,8% 36,1% 29,6% 46,7% 18,3% 10,6% 15,7% 99,4% 28,8% 17,6% 27,8% 95,3% 75,6% 41,1% 23,0% 44,4%
2022 34,9% 35,8% 24,3% 44,8% 21,6% 30,1% 20,2% 84,9% 39,3% 7,6% 36,0% 94,3% 88,2% 27,2% 29,9% 46,3%
Naik/
turun
(9,10%) 0,30% 5,30% 1,90% (3,30%) (19,50%) (4,50%) 14,50% (10,50%) 10,00% (8,20%) 1,00% (12,60%) 13,90% (6,90%) (1,90%)
Increase/
Decrease
Keterangan | Note :
1. *) Periode kredit jangka panjang
2. Sumber: AAUI (72 Perusahaan Asuransi Umum)
1. *) Long-term credit period
2. Source: AAUI (72 General Insurance Companies)
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Reasuransi
Reinsurance
Industri reasuransi mencatatkan pertumbuhan sebesar The reinsurance industry recorded a growth of 21.3%
21,3% dari Rp 19,3triliun di tahun 2022 menjadi Rp23,4 from IDR19.3 trillion in 2022 to IDR23.4 trillion in 2023.
triliun di tahun 2023. Pertumbuhan terbesar berasal dari lini The biggest growth came from credit insurance (174.1%),
usaha asuransi kredit (174,1%), engineering (70,1%) dan engineering (70.1%) and health insurance (57.3%) lines
asuransi kesehatan (57,3%). of business.
Tabel Premi dicatat dan Klaim dibayar Reasuransi tahun 2022-2023
Table of Premiums recorded and Claims paid by Reinsurance in 2022-2023
Premi Dicatat Klaim Dibayar
Premiums Recorded Lini Usaha Claims Paid
Selisih Pertumbuhan Line of Business Selisih Pertumbuhan
2022 2023 2022 2023
Difference Growth (%) Difference Growth (%)
9.459 9.101 (359) (3,8%) Property 4.234 4.347 114 2,7%
240 244 4 1,7% Motor Vehicle 118 132 14 11,9%
1.626 1.600 (26) (1,6%) Marine Cargo 294 314 19 6,6%
977 822 (155) (15,8%) Marine Hull 411 522 110 26,8%
118 80 (39) (32,5%) Aviation 192 68 (124) (64,7%)
963 37 (927) (96,2%) Satelite 262 17 (245) (93,6%)
185 220 35 19,0% Energy Off Shore 28 17 (11) (38,0%)
254 215 (40) (15,6%) Energy On Shore 132 75 (57) (42,9%)
1.028 1.748 721 70,1% Engineering 472 702 230 48,8%
631 664 32 5,1% Liability 10 84 73 711,8%
156 170 14 9,2% Accident 67 88 21 30,6%
12 19 7 57,3% Health 10 13 3 30,0%
2.343 6.423 4.080 174,1% Credit Insurance* 1.392 4.420 3.028 217,6%
182 79 (103) (56,6%) Suretyship 107 19 (87) (81,9%)
1.100 1.962 862 78,3% Miscellaneous 497 1.617 1.120 225,5%
19.276 23.383 4.107 21,3% All LOB 8.225 12.435 4.210 51,2%
Seiring dengan peningkatan premi dicatat, klaim dibayar Following the increase in recorded premiums, reinsurance
reasuransi juga mengalami peningkatan yaitu sebesar 51,2% paid claims also increased by 51.2% from IDR8.2 trillion in
dari Rp8,2 triliun di tahun 2022 menjadi Rp12,4 triliun di 2022 to IDR12.4 trillion in 2023. The largest percentage
tahun 2023. Persentase peningkatan klaim terbesar berasal increase in claims came from the liability (711.8%),
dari lini usaha liability (711,8%), asuransi kredit (217,6%) credit insurance (217.6%) and engineering (48.8%) lines
dan engineering (48,8%). of business.
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Rasio Klaim Dibayar
Ratio of Claims Paid
Lini Usaha
2022 2023
Line of Business
Property 44,8% 47,8%
Motor Vehicle 49,2% 54,1%
Marine Cargo 18,1% 19,6%
Marine Hull 42,1% 63,4%
Aviation 162,2% 84,9%
Satelite 27,2% 46,1%
Energy Off Shore 15,2% 7,9%
Energy On Shore 51,8% 35,0%
Engineering 45,9% 40,2%
Liability 1,6% 12,6%
Accident 43,0% 51,5%
Health 82,3% 68,1%
Credit Insurance* 59,4% 68,8%
Suretyship 58,4% 24,4%
Miscellaneous 45,2% 82,4%
All LOB 42,7% 53,2%
Rasio klaim dibayar reasuransi di tahun 2023 sebesar The reinsurance paid claims ratio in 2023 amounted to
53,2% mengalami peningkatan sebesar 10,5% dari tahun 53.2%, an increase of 10.5% from 2022, which was 42.7%.
2022 yaitu sebesar 42,7%. Lini usaha yang mencatatkan The lines of business that recorded the largest claim ratios
rasio klaim terbesar yaitu aviasi (84,9%), asuransi kredit were aviation (84.9%), credit insurance (68.8%), and health
(68,8%), dan asuransi kesehatan (68,1%). insurance (68.1%).
Posisi Tugu Insurance dalam Industri Asuransi Umum 2023
Tugu Insurance's Position in the General Insurance Industry 2023
Sampai dengan 31 Desember 2023, AAUI mencatatkan As of 31 December 2023, AAUI recorded the number of
jumlah perusahaan asuransi umum yang beroperasi di general insurance companies operating in Indonesia totaling
Indonesia sebanyak 72 perusahaan, 152 pialang asuransi, 72 companies, 152 insurance brokers, and 41 reinsurance
dan 41 perusahaan pialang reasuransi. Adapun posisi Tugu brokerage companies. The position of Tugu Insurance
Insurance dibandingkan dengan industri asuransi umum dan compared to the general insurance and reinsurance industry
reasuransi pada tahun 2023 diuraikan sebagai berikut: in 2023 is described as follows:
Jumlah Aset
Total Assests
Dalam triliun Rupiah
In Trillion Rupiah
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Industri Asuransi Umum 224,0 196,8 13,9%
General Insurance Industry
Reasuransi 36,2 33,8 2,0%
Reinsurance
Tugu Insurance – Induk Perusahaan 16,12 13,51 19,32%
Tugu Insurance – Parent Company
Tugure – Entitas Anak Reasuransi 5,90 5,22 13,03%
Tugure – Reinsurance Subsidiary
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Per 31 Desember 2023, jumlah aset industri asuransi As of 31 December 2023, the total assets of the general
umum tercatat sebesar Rp224,0 triliun, meningkat 13,9% insurance industry were recorded at IDR224.0 trillion, an
jika dibandingkan dengan tahun 2022 yang sebesar increase of 13.9% when compared to 2022 which amounted
Rp196,8 triliun. Sementara, jumlah aset induk perusahaan to IDR196.8 trillion. Meanwhile, the total assets of Tugu
Tugu Insurance tercatat sebesar Rp16,12 triliun, Insurance as the parent company were recorded at IDR16.12
meningkat 19,32% dibanding tahun sebelumnya sebesar trillion, an increase 19.32% compared to the previous year of
Rp13,51 triliun. IDR13.51 trillion.
Kemudian, jumlah aset industri reasuransi di tahun 2023 Moreover, the total assets of the reinsurance industry
adalah sebesar Rp36,2 triliun, tumbuh 2,0% dibanding in 2023 amounted to IDR36.2 trillion, increased 2.0%
tahun 2022 yang sebesar Rp33,8 triliun. Sedangkan compared to 2022 which amounted to IDR33.8 trillion.
jumlah aset entitas anak Tugure pada tahun 2023 tercatat Meanwhile, the total assets of Tugure, the subsidiary,
sebesar Rp5,90 triliun, meningkat 13,03% dibanding tahun were recorded at IDR5,90 trillion in 2023, an increase of
sebelumnya yang sebesar Rp5,22 triliun. 13.03% compared to the previous year which amounted to
IDR5.22 trillion.
Premi Bruto
Gross Premiums
Dalam triliun Rupiah
In Trillion Rupiah
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Industri Asuransi Umum 111,4 89,7 24,2%
General Insurance Industry
Reasuransi 27,1 24,3 11,5%
Reinsurance
Tugu Insurance – Induk Perusahaan 5,05 4,06 24,38%
Tugu Insurance – Parent Company
Tugure – Entitas Anak Reasuransi 2,9 2,81 4,1%
Tugure – Reinsurance Subsidiary
Di tahun 2023, premi bruto industri asuransi umum adalah In 2023, the gross premium of the general insurance
sebesar Rp111,4 triliun, meningkat 24,2% jika dibandingkan industry was IDR111.4 trillion, an increase of 24.2%
dengan tahun sebelumnya sebesar Rp89,7 triliun. compared to the previous year of IDR89.7 trillion.
Sementara, premi bruto induk perusahaan Tugu Insurance Meanwhile, the gross premium of the parent company, Tugu
tercatat sebesar Rp5,05 triliun, meningkat 24,38% dibanding Insurance, was recorded at IDR5.05 trillion, an increase
tahun sebelumnya sebesar Rp4,06 triliun. 24.38% compared to the previous year of IDR4.06 trillion.
Kemudian, premi bruto industri reasuransi di tahun 2023 On the other hand, the gross premium of the reinsurance
adalah sebesar Rp27,1 triliun, tumbuh 11,5% dibanding industry in 2023 was IDR27.1 trillion, an increase of 11.5%
tahun 2022 yang sebesar Rp24,3 triliun. Sedangkan premi compared to 2022 which amounted to IDR24.3 trillion.
bruto entitas anak Tugure pada tahun 2023 tercatat sebesar Meanwhile, the gross premium of the subsidiary, Tugure,
Rp2,9 triliun, meningkat 4,1% dibanding tahun sebelumnya in 2023 was recorded at IDR2.9 trillion, an increase of
yang sebesar Rp2,81 triliun. 4.1% compared to the previous year which amounted to
IDR2.81 trillion.
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Klaim Bruto
Gross Claims
Dalam triliun Rupiah
In Trillion Rupiah
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Industri Asuransi Umum 48,0 40,8 11,0%
General Insurance Industry
Reasuransi 15,3 13,2 3,5%
Reinsurance
Tugu Insurance – Induk Perusahaan 1,56 1,04 50,00%
Tugu Insurance – Parent Company
Tugure – Entitas Anak Reasuransi 1,26 1,29 (2,16%)
Tugure – Reinsurance Subsidiary
Klaim bruto industri asuransi umum di tahun 2023 tercatat The gross claim of the general insurance industry in
sebesar Rp48,0 triliun, meningkat 11,0% jika dibandingkan 2023 was recorded at IDR48.0 trillion, an increase of
dengan tahun sebelumnya sebesar Rp40,8 triliun. 11.0% compared to the previous year of IDR40.8 trillion.
Sementara, klaim bruto induk perusahaan Tugu Insurance Meanwhile, the gross claim of the parent company, Tugu
tercatat sebesar Rp1,56 triliun, meningkat 50,00% dibanding Insurance, was recorded at IDR1.56 trillion, an increase of
tahun sebelumnya sebesar Rp1,04 triliun. 50.00% compared to the previous year of IDR1.04 trillion.
Kemudian, klaim bruto industri reasuransi di tahun 2023 In addition, the gross claim of the reinsurance industry in
adalah sebesar Rp15,3 triliun, tumbuh 3,5% dibanding tahun 2023 was IDR15.3 trillion, growing 3.5% compared to 2022
2022 yang sebesar Rp13,2 triliun. Sedangkan klaim bruto which amounted to IDR13.2 trillion. While the gross claims
entitas anak Tugure pada tahun 2023 tercatat sebesar of Tugure, the subsidiary were recorded at IDR1.26 trillion in
Rp1,26 triliun, menurun 2,16% dibanding tahun sebelumnya 2023, a decrease of 2.16% compared to the previous year of
yang sebesar Rp1,29 triliun. IDR 1.29 trillion.
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Tinjauan Operasi per Segmen Usaha
Operational Review by Business Segment
Tugu Insurance mengklasifikasikan bisnisnya ke dalam 3 Tugu Insurance classifies its business into 3 (three)
(tiga) segmen usaha, yakni asuransi umum (konvensional & business segments, namely general insurance (conventional
syariah), reasuransi, serta sewa, bisnis terkait, dan lain-lain. & sharia), reinsurance, as well as rental, related businesses,
Klasifikasi segmen tersebut digunakan manajemen untuk and others. The segment classification is used by
mengevaluasi kinerja dari setiap segmen dan menentukan management to evaluate the performance of each segment
alokasi sumber daya Perseroan. and determine the allocation of the Company's resources.
TUGU GRUP
Asuransi Umum Sewa, Bisnis Terkait,
(Konvensional & Syariah) Reasuransi
dan Lain-lain
General Insurance Reinsurance
Rental, Related Business, and Others
(Conventional & Sharia)
Segmen Usaha Dioperasikan oleh
Business Segment Operated by
Asuransi Umum Perusahaan Induk (Tugu Insurance) dan Entitas anak Tugu Insurance Company Ltd.
(Konvensional & Syariah) Parent Company (Tugu Insurance) and Subsidiary of Tugu Insurance Company Ltd.
General Insurance
(Conventional & Sharia)
Reasuransi Entitas anak PT Tugu Reasuransi Indonesia (Tugure).
Reinsurance Subsidiary PT Tugu Reasuransi Indonesia (Tugure).
Sewa, Bisnis Terkait, dan Lain-lain Entitas anak
Rental, Related Business, and • PT Pratama Mitra Sejati yang menyewakan gedung/ruang perkantoran, jasa manajemen gedung dan rental
Others kendaraan.
• PT Synergy Risk Management Consultants (Synergy) yang menawarkan jasa konsultasi penerapan
manajemen risiko yang efektif dan layanan lainnya terkait bidang industri yang dijalankan.
• PT Tugu Pratama Interindo sebagai holding company.
Subsidiaries
• PT Pratama Mitra Sejati, which rents out office buildings/spaces, building management and vehicle rentals
services.
• PT Synergy Risk Management Consultants (Synergy), which offers consulting services on the
implementation of effective risk management and other services related to the industry.
• PT Tugu Pratama Interindo as the holding company.
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Segmen Usaha Asuransi Umum
General Insurance Business Segment
Segmen usaha asuransi umum merupakan segmen yang The General Insurance Business Segment is operated by
dijalankan oleh Tugu Insurance dan kelompok usahanya Tugu Insurance and its business groups through its products
melalui produk dan layanan yang dimiliki. Mengacu pada and services. In line with financial statements, the Products
Laporan Keuangan Perseroan, produk dalam segmen usaha in the General Insurance Business Segment consist of:
asuransi umum terdiri dari:
• Asuransi Kebakaran; • Fire Insurance;
• Asuransi Penerbangan; • Aviation Insurance;
• Asuransi Pengangkutan; • Cargo Insurance;
• Asuransi Offshore; • Offshore Insurance;
• Asuransi Onshore; • Onshore Insurance;
• Asuransi Rekayasa; • Engineering Insurance;
• Asuransi Rangka Kapal; • Hull Insurance;
• Asuransi Lainnya. • Other Insurance.
Pelanggan utama segmen asuransi umum yang dilayani oleh Tugu Insurance’s key customers are dominated by
Perseroan didominasi oleh perusahaan-perusahaan besar, large companies, especially PT Pertamina (Persero), its
khususnya PT Pertamina (Persero), Anak Perusahaan dan Subsidiaries and Affiliates, Cooperation Contract Contractors
Afiliasinya serta para Kontraktor Kontrak Kerja Sama (KKKS) (KKKS) to various other large corporations with high
hingga berbagai korporasi besar lainnya yang memiliki high business portfolio profiles operating in the energy and
business portfolio profile yang beroperasi di sektor energi non-energy sectors, as well as MSEs (Micro and Small
maupun non energi, serta Usaha Mikro dan Kecil (UMK). Enterprises).
Kinerja Segmen Usaha Asuransi Umum dan General Insurance and Reinsurance Business
Reasuransi Segment Performance
Premi Bruto Berdasarkan Produk
Gross Premiums by Product
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Portofolio Produk 2023 2022
Pertumbuhan
Asuransi Kontribusi Kontribusi Growth
Insurance Product Nominal Contribution Nominal Contribution (%)
Portfolio (%) (%)
Kebakaran 2.761.247 35,82% 2.234.504 33,32% 23,57%
Fire
Pengangkutan 478.172 6,20% 529.770 7,90% (9,74%)
Marine Cargo
Rekayasa 931.430 12,08% 280.893 4,19% 231,60%
Engineering
Rangka Kapal 682.819 8,86% 512.692 7,65% 33,18%
Marine Hull
Offshore 553.460 7,18% 547.512 8,17% 1,09%
Onshore 68.397 0,89% 231.873 3,46% (70,50%)
Penerbangan 814.214 10,56% 753.673 11,24% 8,03%
Aviation
Lainnya 1.419.784 18,42% 1.614.663 24,08% (12,07%)
Others
Total 7.709.524 100,00% 6.705.580 100,00% 14,97%
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Lainnya Others Kebakaran Fire
18,42% 35,82%
Penerbangan Aviation
10,56%
Onshore
0,89%
Offshore
7,18%
Rangka Kapal Marine Hull
8,86%
Rekayasa Engineering Pengangkutan Marine Cargo
12,08% 6,20%
Pendapatan Underwriting
Underwriting Revenues
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Pertumbuhan
2023 2022
Growth
Kebakaran 1.041.090 701.679 48,37%
Fire
Pengangkutan 388.613 348.778 11,42%
Marine Cargo
Rekayasa 172.178 106.909 61,05%
Engineering
Rangka Kapal 249.524 162.154 53,88%
Marine Hull
Offshore 103.586 122.524 (15,46%)
Onshore (150.704) 74.279 (302,89%)
Penerbangan 98.732 51.558 91,50%
Aviation
Lainnya 706.545 774.911 (8,82%)
Other
Total 2.609.564 2.342.792 11,39%
Segmen Usaha Reasuransi
Reinsurance Business Segment
Reasuransi merupakan pemberian jasa dalam Reinsurance is the provision of services to cover the risk of
pertanggungan terhadap risiko klaim yang didapat oleh claims obtained by insurance companies. The Reinsurance
perusahaan asuransi. Segmen usaha reasuransi yang Business Segment served by the Company is operated by PT
dilayani oleh Perseroan dioperasikan oleh PT Tugu Tugu Reasuransi Indonesia or Tugure, which was established
Reasuransi Indonesia (Tugure) yang didirikan pada 2 on 2 April 1987, under the name PT Tugu Jasatama
April 1987 dengan nama PT Tugu Jasatama Reasuransi Reasuransi Indonesia. Initially, Tugure solely provided
Indonesia. Pada awal didirikan, Tugure hanya melayani insurance for TUGU Group. PT Tugu Jasatama Reasuransi
kebutuhan Asuransi TUGU Group secara eksklusif. Pada Indonesia changed its name to PT Tugu Reasuransi
tahun 1999, nama PT Tugu Jasatama Reasuransi Indonesia Indonesia in 1999. In 2004, Tugure was appointed as the
diubah menjadi PT Tugu Reasuransi Indonesia yang key pioneer of cooperation reinsurance in ASEAN countries.
selanjutnya ditunjuk sebagai pelopor utama kerja sama
reasuransi negara-negara ASEAN pada tahun 2004.
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Seiring dengan perkembangan, kini Tugure menyediakan As Tugure continues to evolve, Tugure now provides services
layanan dalam reasuransi terhadap risiko yang dihadapi in reinsurance against risks faced by general insurance
oleh perusahaan asuransi umum, perusahaan asuransi companies, life insurance companies, guarantee companies,
jiwa, perusahaan penjaminan, dan/atau perusahaan and/or other reinsurance companies. Tugure offers general
reasuransi lainnya. Tugure menghadirkan produk reinsurance products and life reinsurance, including treaty
reasuransi umum dan reasuransi jiwa, seperti reasuransi reinsurance, non-marine reinsurance, life reinsurance, and
treaty, non-marine, life, dan marine & aviation. marine & aviation reinsurance.
Di tahun 2023, pendapatan usaha (sebelum eliminasi) In 2023, operating revenue (before elimination) from Tugure’s
dari segmen usaha Tugure adalah sebesar Rp1,44 reinsurance business segment amounted to IDR1.44 trillion,
triliun, mengalami peningkatan 5,28% dibanding tahun an increase of 5.28% compared to 2022 of IDR1.37 trillion.
2022 sebesar Rp1,37 triliun. Tugure mencatatkan rugi Tugure recorded a loss for the year (before elimination) of
tahun berjalan (sebelum eliminasi) sebesar Rp41,24 IDR41.24 billion, whereas the previous year recorded a
miliar, dimana tahun sebelumnya mencatatkan sebesar loss of IDR97.31 billion. Tugure is committed to continue
Rp97,31 miliar. Tugure berkomitmen untuk terus implementing a conservative risk profile in 2023.
menerapkan profil risiko yang konservatif di tahun 2023.
Segmen Usaha Sewa, Bisnis Terkait, dan Lain-lain
Rental, Related Business, and Others Business Segment
Tugu Insurance menjalankan segmen usaha sewa, bisnis Tugu Insurance’s rental, related business, and other
terkait, dan lain-lain melalui entitas anaknya, yakni PT business segment is operated by its subsidiaries, namely
Pratama Mitra Sejati dan PT Synergy Risk Management PT Pratama Mitra Sejati and PT Synergy Risk Management
Consultants. PT Pratama Mitra Sejati saat awal didirikan Consultants. PT Pratama Mitra Sejati was initially engaged
bergerak di bidang jasa penyewaan ruang kantor dan in office space rental services and experienced rather rapid
terus mengalami perkembangan yang cukup pesat development, and currently has five buildings in strategic
hingga saat ini telah memiliki lima buah gedung di lokasi locations in Jakarta and Surabaya, with brand property
strategis di kota Jakarta dan Surabaya dengan merek known as Wisma Tugu. In addition, PT Pratama Mitra Sejati
properti yang dikenal sebagai Wisma Tugu. PT Pratama also provides vehicle rental services on a corporate basis
Mitra Sejati juga menyediakan jasa sewa kendaraan and has become a trusted provider to customers both
secara corporate dan telah menjadi kepercayaan untuk private companies and in the BUMN group environment.
melayani pelanggan baik perusahaan swasta maupun Meanwhile, PT Synergy Risk Management Consultants is a
di lingkungan grup BUMN. Sementara, PT Synergy risk management consultant, surveyor and assessor.
Risk Management Consultants merupakan konsultan
manajemen risiko, surveyor, dan penilai.
Per 31 Desember 2023, pendapatan usaha (sebelum As of 31 December 2023, operating revenue (before
eliminasi) dari segmen usaha sewa, bisnis terkait, dan elimination) from the rental, related business, and
lain-lain tercatat sebesar Rp740,13 miliar, meningkat others business segment recorded at IDR740.13 billion,
66,84% dibanding tahun 2022 yang sebesar Rp443,63 increased by 66.84% compared to 2022 of IDR443.63
miliar. Sementara, laba tahun berjalan (sebelum billion. Meanwhile, income for the year (before elimination)
eliminasi) mengalami peningkatan sebesar 261,40% dari increased by 261.40% from IDR94.14 billion in 2022 to
Rp94,14 miliar di tahun 2022 menjadi Rp340,23 miliar IDR340.23 billion in 2023.
di tahun 2023.
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Profitabilitas per Masing-masing Segmen Usaha
Profitability per Each Business Segment
Kontribusi profitabilitas segmen usaha terhadap profitabilitas The contribution of business segment profitability to Tugu
Tugu Insurance pada tahun 2023 dan 2022 dapat dilihat Insurance's profitability in 2023 and 2022 is as follows:
sebagai berikut:
Profitabilitas Segmen Usaha Tugu Insurance Tahun 2022-2023
Tugu Insurance’s Business Segment Profitability in 2022-2023
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Pertumbuhan
Segmen Usaha
2023 2022 Growth
Business Segments
(%)
Asuransi Umum 1.259.478 352.685 257,11%
General Insurance
Reasuransi (41.246) 97.313 (142,38%)
Reinsurance
Sewa, Bisnis Terkait dan Lain-lain 340.234 94.144 261,40%
Rentals, Related Businesses and Others
Sub Jumlah 1.558.466 544.141 186,41%
Subtotal
Eliminasi (256.365) (149.036) 72,02%
Elimination
Laba Periode Berjalan 1.302.101 395.105 229,56%
Income for the Period
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Tinjauan Keuangan
Financial Review
Standar Penyajian Informasi dan Kesesuaian terhadap SAK
Standards for the Presentation of Financial Information and Conformity with the FAS
Analisa dan pembahasan kinerja keuangan pada Laporan The analysis and discussion of financial performance in
Tahunan ini mengacu pada Laporan Keuangan Konsolidasian this Annual Report refers to the Consolidated Financial
PT Asuransi Tugu Pratama Indonesia Tbk yang telah diaudit Statements of PT Asuransi Tugu Pratama Indonesia Tbk
oleh Kantor Akuntan Publik Amir Abadi Jusuf, Aryanto, which have been audited by Amir Abadi Jusuf, Aryanto,
Mawar, dan Rekan (Member of the RSM Network) dengan Mawar & Rekan Public Accounting Firm (Member of the RSM
opini wajar dalam semua hal yang material untuk tahun- Network) with the opinion fair in all material respects for
tahun yang berakhir 31 Desember 2023 dan 31 Desember the years ended in 31 December 2023 and 31 December
2022. Laporan Keuangan Konsolidasian Perseroan disusun 2022. The Company’s financial statements are prepared
dan disajikan sesuai Standar Akuntansi Keuangan (SAK) and presented in accordance with Financial Accounting
yang berlaku di Indonesia, yaitu Pernyataan Standar Standards (FAS) in Indonesia, namely the Statement of
Akuntansi Keuangan (PSAK), yang mencakup Pernyataan dan Financial Accounting Standards (PSAK), which includes
Interpretasi yang dikeluarkan oleh Dewan Standar Akuntansi Statements and Interpretations issued by the Financial
Keuangan (“DSAK”) Ikatan Akuntan Indonesia dan Peraturan Accounting Standards Board (“DSAK”) of the Indonesian
Pasar Modal yang berlaku antara lain Peraturan Badan Institute of Accountants and the Capital Market Regulations
Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam- issued by the Indonesian Institute of Accountants. Among
LK) No. VIII.G.7 tentang Pedoman Penyajian Laporan other, Regulation of the Capital Market and Financial
Keuangan, keputusan Ketua Bapepam-LK No. KEP-347/ Institution Supervisory Agency (Bapepam-LK) No. VIII.G.7
BL/2012 tentang Penyajian dan Pengungkapan Laporan concerning Guidelines for the Presentation of Financial
Keuangan Emiten atau Perusahaan Publik. Statements, Decree of the Chairman of Bapepam-LK No.
KEP-347/BL/2012 concerning Presentation and Disclosure
of Financial Statements of Issuers or Public Companies.
Laporan Posisi Keuangan Konsolidasian
Consolidated Statements of Financial Position
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Total Aset 25.137.943 21.581.305 16,48%
Total Assets
Total Liabilitas 14.858.084 12.409.207 19,73%
Total Liabilities
Total Ekuitas 10.279.858 9.172.098 12,08%
Total Equity
Total Liabilitas dan Ekuitas 25.137.943 21.581.305 16,48%
Total Liabilities and Equity
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Aset
Assets
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Kas dan Bank 537.857 608.986 (11,68%)
Cash on Hand and in Banks
Investasi
Investments
Deposito Berjangka 3.080.100 1.836.714 67,70%
Time Deposits
Efek-Efek 6.071.399 4.996.347 21,52%
Marketable Securities
Penyertaan Langsung 36.254 35.168 3,09%
Direct Participation
Investasi pada Entitas Asosiasi 166.639 162.314 2,66%
Investment in Associates
Properti Investasi 2.317.627 2.292.878 1,08%
Investment Properties
Total Investasi 11.672.019 9.323.421 25,19%
Total Investment
Piutang Premi dan Sesi, Bersih 1.859.031 2.075.334 (10,42%)
Premiums and Cessions Receivables, Net
Piutang Koasuransi, Bersih 422.879 128.981 227,86%
Coinsurance Receivables, Net
Piutang Reasuransi dan Retrosesi, Bersih 655.594 387.892 69,01%
Reinsurance and Retrocession Receivables, Net
Piutang Lain-Lain 266.796 214.227 24,54%
Other Receivables
Aset Tetap, Bersih 1.614.303 1.443.394 11,84%
Fixed Assets, Net
Aset Tak Berwujud, Bersih 113.420 35.569 218,87%
Intangible Assets, Net
Aset Hak Guna, Bersih 10.358 8.540 21,28%
Right Use of Assets, Net
Aset Reasuransi 7.262.060 6.660.510 9,03%
Reinsurance Asset
Biaya Dibayar Dimuka dan Uang Muka 32.437 36.655 (11,51%)
Prepaid Expenses and Advances
Tagihan Kelebihan Pembayaran Pajak 0 661 (100%)
Claim for Tax Refund
Pajak Dibayar Dimuka 35.238 46.732 (24,59%)
Prepaid Taxes
Aset Pajak Tangguhan, Bersih 281.651 244.382 15,25%
Deferred Tax Assets, Net
Aset Lain-Lain 374.299 366.021 2,26%
Other Assets
Total Aset 25.137.943 21.581.305 16,48%
Total Assets
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 165
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Per 31 Desember 2023, Perseroan membukukan jumlah As of 31 December 2023, the Company recorded total
aset sebesar Rp25,14 triliun, mengalami peningkatan assets of IDR25.14 trillion, an increase of 16.48% compared
16,48% jika dibandingkan dengan tahun 2022 yang sebesar to 2022 which amounted to IDR21.58 trillion. This increase
Rp21,58 triliun. Peningkatan ini terutama disebabkan was mainly due to an increase in investment, fixed assets
adanya peningkatan investasi, peningkatan asset tetap dan and reinsurance assets.
peningkatan aset reasuransi.
Liabilitas dan Ekuitas
Liabilities and Equity
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Liabilitas
Liabilities
Utang Reasuransi dan Retrosesi 1.891.733 1.461.086 29,47%
Reinsurance and Retrocession Payables
Utang Komisi 43.569 32.860 32,59%
Commission Payable
Utang Klaim 313.786 129.056 143,14%
Claims Payable
Utang Koasuransi 73.562 46.888 56,89%
Coinsurance Payable
Pinjaman Diterima 296.150 121.347 144,05%
Borrowings
Utang Pembiayaan Konsumen dan Sewa Pembiayaan 45.514 68.616 (33,67%)
Consumer Finance and Leases Payable
Liabilitas Sewa 6.195 2.918 112,31%
Lease Liabilities
Beban Akrual 290.478 137.516 111,23%
Accrued Expenses
Utang Pajak 180.343 64.786 178,37%
Taxes Payable
Utang Lain-Lain 270.437 263.686 2,56%
Other Payables
Liabilitas Asuransi 11.147.535 9.797.252 13,78%
Insurance Liabilities
Liabilitas Imbalan Kerja 295.526 283.197 4,35%
Employee Benefits Liabilities
Total Liabilitas 14.858.084 12.409.207 19,73%
Total Liabilities
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Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Ekuitas
Equity
Modal saham – nilai nominal Rp50 (nilai penuh) per saham. 177.779 177.779 0,00%
Modal dasar - 6.400.000.000 saham
Modal ditempatkan dan disetor penuh – 3.555.575.600 saham
dengan jumlah nilai nominal seluruhnya sebesar Rp177.778.780.000
(nilai penuh) per 31 Desember 2023
Nilai nominal Rp100 (nilai penuh) per saham
Modal dasar – 6.400.000.000 saham
Modal ditempatkan dan disetor penuh 1.777.787.800 saham dengan
jumlah nilai nominal seluruhnya sebesar Rp177.778.780.000 (nilai
penuh) tahun 2022
Share capital - Par value IDR50 (full amount) per share.
Authorized - 6,400,000,000 shares
Issued and fully paid - 3,555,575,600 shares with a total nominal
value IDR177,778,780,000 (full amount) as of 31 December 2023
Share capital IDR100 (full amount) per share
Authorized - 6,400,000,000 shares
Issued and fully paid - 1,777,787,800 shares with a total nominal
value IDR177,778,780,000 (full amount) year 2022
Tambahan Modal Disetor 625.460 625.460 0,00%
Additional Paid-in Capital
Selisih Kurs Penjabaran Laporan Keuangan (37.679) (32.181) 17,08%
Translation Adjustments
Selisih Transaksi antara Pemegang Saham Entitas Anak 105.556 105.556 0,00%
Difference of Transactions Between Shareholders of a
Subsidiary
(Kerugian)/Keuntungan yang Belum Direalisasi atas Efek-Efek yang 8.409 (26.735) 131,45%
Tersedia untuk Dijual, Neto
Unrealized (Losses)/Gains on Available-for-Sale Marketable Securities,
Net
Surplus Revaluasi Aset Tetap 2.027.351 2.013.558 0,69%
Fixed Assets Revaluation Surplus
Saldo Laba
Retained Earnings
Telah Dicadangkan 413.313 413.313 0,00%
Appropriated
Belum Dicadangkan 6.262.074 5.162.580 21,30%
Unappropriated
Sub-Total Ekuitas yang Dapat Diatribusikan kepada:
Sub-Total Equity Attributable to:
Pemilik Entitas Induk 9.582.263 8.439.329 13,54%
Equity Owners of the Parent Entity
Kepentingan Non-Pengendali 697.595 732.769 (4,80%)
Non-Controlling Interest
Total Ekuitas 10.279.858 9.172.098 12,08%
Total Equity
Total Liabilitas dan Ekuitas 25.137.943 21.581.305 16,48%
Total Liabilities and Equity
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 167
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Liabilitas Liabilities
Di tahun 2023, jumlah liabilitas Perseroan tercatat sebesar In 2023, the Company's total liabilities were recorded at
Rp14,86 triliun, meningkat 19,73% dibanding tahun IDR14.86 trillion, an increase of 19.73% compared to
sebelumnya yang sebesar Rp12,41 triliun. Hal tersebut the previous year of IDR12.41 trillion. This was mainly
terutama disebabkan oleh adanya kenaikan pada liabilitas due to an increase in insurance liabilities, reinsurance
asuransi, utang reasuransi dan retrosesi serta utang klaim and retrocession payables and claims payable in line with
sejalan dengan pertumbuhan bisnis pada tahun 2023 ini. business growth in 2023.
Ekuitas Equity
Jumlah ekuitas Perseroan di tahun 2023 tercatat sebesar The Company's total equity in 2023 was recorded at
Rp10,28 triliun, meningkat 12,08% dari tahun 2022 yang IDR10.28 trillion, an increase of 12.08% from 2022 which
sebesar Rp9,17 triliun. Hal ini disebabkan oleh adanya amounted to IDR9.17 trillion. This was due to increase in net
peningkatan laba bersih pada tahun 2023 yang tercatat profit in 2023 recorded in unreserved retained earnings.
pada saldo laba yang belum dicadangkan.
Laporan Laba Rugi dan Penghasilan Komprehensif Lain Konsolidasian
Consolidated Statements of Profit or Loss and Other Comprehensive Income
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Jumlah Pendapatan 3.591.485 3.093.893 16,08%
Total Revenues
Jumlah Beban (1.966.917) (2.593.744) (24,17%)
Total Expenses
Laba Tahun Berjalan 1.302.101 395.105 229,56%
Income for the Year
Jumlah Penghasilan Komprehensif Tahun Berjalan 1.352.122 526.459 156,83%
Total Comprehensive Income for the Year
Pendapatan
Revenues
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Pendapatan Underwriting
Underwriting Revenues
Premi Bruto 7.709.524 6.705.580 14,97%
Gross Premium
Premi Reasuransi dan Retrosesi (4.368.028) (3.518.923) 24,13%
Reinsurance and Retrocession Premium
Perubahan Premi yang Belum Merupakan Pendapatan dan Liabilitas (711.845) (74.293) 858,16%
Manfaat Polis Masa Depan
Changes in Unearned Premium Reserves and Liabilities for Future
Policy Benefit
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Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Perubahan Aset Asuransi Atas Premi yang Belum Merupakan 450.281 (267.439) 268,37%
Pendapatan dan Liabilitas Manfaat Polis Masa Depan
Changes in Reinsurance Assets of Unearned Premium Reserves and
Liabilities for Future Policy Benefit
Pendapatan Premi, Bersih 3.079.932 2.844.925 8,26%
Premium Income, Net
Pendapatan (Beban) Komisi, Bersih (470.368) (502.133) (6,33%)
Commission Revenue (Expense), Net
a. Total Pendapatan Underwriting 2.609.564 2.342.792 11,39%
Total Underwriting Revenues
b. Pendapatan Investasi 579.830 352.391 64,54%
Investment Income
c. Pendapatan Usaha Lainnya 402.091 398.710 0,85%
Other Operating Income
Total Pendapatan 3.591.485 3.093.893 16,08%
Total Revenues
Di tahun 2023, Perseroan membukukan total pendapatan In 2023, the Company recorded total revenue of IDR3.59
sebesar Rp3,59 triliun, meningkat 16,08% dibandingkan trillion, an increase of 16.08% compared to total revenue in
total pendapatan tahun 2022 sebesar Rp3,09 triliun. 2022 of IDR3.09 trillion. This increase was due to increase
Peningkatan ini disebabkan oleh peningkatan pendapatan in underwriting income of 11.39%, increase in investment
underwriting sebesar 11,39%, kenaikan pendapatan income of 64.54% and increase in other business income of
investasi sebesar 64,54% dan kenaikan pendapatan usaha 0.85%.
lainnya sebesar 0,85%.
Pendapatan Perseroan didapatkan dari 3 (tiga) pos The Company’s revenues are obtained from 3 (three) revenue
pendapatan, yaitu Pendapatan Underwriting, Pendapatan posts, namely Underwriting Revenue, Investment Income,
Investasi, dan Pendapatan Usaha Lainnya. and Other Operating Revenue.
1. Pendapatan Underwriting 1. Underwriting Revenue
Pada akhir tahun 2023, Perseroan mencatat kenaikan At the end of 2023, the Company recorded an increase
Pendapatan Underwriting Konsolidasi sebesar 11,39% in Consolidated Underwriting Income of 11.39% from
dari Rp2,34 triliun di tahun 2022 menjadi Rp2,60 triliun IDR2.34 trillion in 2022 to IDR2.60 trillion in 2023.
di tahun 2023. Hal ini antara lain dikontribusikan oleh This was contributed by the fire insurance, engineering
bisnis asuransi kebakaran, asuransi rekayasa dan insurance and marine hull insurance businesses.
asuransi rangka kapal. 2. Investment Income
2. Pendapatan Investasi Investment Income increased by 64.54% from IDR352.39
Pendapatan Investasi mengalami kenaikan sebesar billion in 2022 to IDR579.83 billion in 2023. This
64,54% dari Rp352,39 miliar di tahun 2022 menjadi increase was mainly due to an increase in interest
Rp579,83 miliar di tahun 2023. Peningkatan ini terutama income from bonds, time deposits, and dividend income
disebabkan karena peningkatan pada penghasilan as shown in the table below:
bunga dari obligasi, deposito berjangka, dan penghasilan
dividen sebagaimana ditunjukan pada tabel di bawah ini:
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Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Penghasilan Bunga Obligasi 319.240 172.137 85,46%
Interest Income From Bonds
Deposito Berjangka 127.558 49.420 158,11%
Time Deposits
Laba (Rugi) Selisih Perubahan Nilai Wajar Properti Investasi 24.706 (690) 3.678,03%
Gain (Loss) on Revaluation Increment of Investment Property
Keuntungan dari Perubahan Nilai Wajar Efek 63.042 121.480 (48,11%)
Gain on Changes in Fair Value of Marketable Securities
Penghasilan Dividen 39.986 7.802 412,51%
Dividend Income
Lain-Lain 5.298 2.242 136,33%
Others
Total 579.830 352.391 64,54%
3. Pendapatan Usaha Lainnya 3. Other Operating Revenue
Di tahun 2023, pendapatan usaha lainnya tercatat In 2023, other operating revenue was recorded at
sebesar Rp402,10 miliar, meningkat 0,85% dibanding IDR402.10 billion, an increase of 0.85% compared
tahun 2022 yang sebesar Rp398,71 miliar. Pencapaian to 2022 which amounted to IDR398.71 billion. This
tersebut dikontribusikan oleh usaha sewa kendaraan achievement was contributed by the vehicle and property
dan properti melalui anak usaha yaitu PT Pratama Mitra rental business through a subsidiary, PT Pratama Mitra
Sejati dan dari usaha jasa survei melalui anak usaha PT Sejati and from the survey services business through a
Synergy Risk Management Consultants dengan rincian subsidiary, PT Synergy Risk Management Consultants
sebagai berikut: with the following details:
Pendapatan Usaha Lainnya
Other Operating Revenue
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
2023 2022
Pertumbuhan
Jenis Usaha Kontribusi Kontribusi Growth
Type of Business Nominal Contribution Nominal Contribution (%)
(%) (%)
Usaha Sewa 212.807 52,93% 223.711 56,11% (4,87%)
Rental Business
Jasa Survei 86.644 21,55% 111.911 28,07% (22,58%)
Survey Fee
Penjualan Kendaraan 102.640 25,53% 63.088 15,82% 62,69%
Sales of Vehicles
Total 402.091 100,00% 398.710 100,00% 100,00%
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Beban
Expenses
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Klaim Bruto (2.785.387) (2.284.626) 21,92%
Gross Claims
Klaim Reasuransi dan Retrosesi 1.361.523 972.264 40,04%
Reinsurance and Retrocession Claims
Perubahan Estimasi Liabilitas Klaim (638.438) (1.162.636) (45,09%)
Changes in Estimated Claims Liabilities
Perubahan Aset Reasuransi atas Estimasi Liabilitas Klaim 151.269 802.649 (81,15%)
Changes in Reinsurance Assets for Estimated Liabilities
Claims
Total Beban Klaim Neto (1.911.033) (1.672.348) 14,27%
Total Net Claim Expenses
Beban Usaha (812.221) (771.136) 5,33%
Operating Expenses
Beban Usaha Lainnya (298.264) (258.769) 15,26%
Other Operating Expenses
Pendapatan (Beban) Lain-Lain, Bersih 1.054.600 108.510 871,89%
Other Income (Expenses), Net
Total Beban (1.966.917) (2.593.744) (24,17%)
Total Expenses
Di tahun 2023, Perseroan mencatatkan total beban sebesar In 2023, the Company recorded total expenses of IDR1.97
Rp1,97 triliun, mengalami penurunan 24,17% dari tahun trillion, a 24.17% decrease from the previous year of
sebelumnya sebesar Rp2,59 triliun. Beban konsolidasian IDR2.59 trillion. The Company's consolidated expenses
Perseroan terdiri dari: consist of:
1. Beban Klaim Neto 1. Net Claim Expenses
Secara konsolidasi, beban klaim neto meningkat sebesar On a consolidated basis, net claim expenses increased
14,27% dari Rp1,67 triliun di tahun 2022 menjadi by 14.27% from IDR1.67 trillion in 2022 to IDR1.92
Rp1,92 triliun di tahun 2023. Hal ini disebabkan dengan trillion in 2023. This was due to an increase in claim
peningkatan cadangan klaim di anak Perusahaan PT Tugu reserves at subsidiary PT Tugu Reasuransi in line with the
Reasuransi sejalan dengan konsep prudent underwriting concept of prudent underwriting applied by the company.
yang diterapkan oleh perusahaan. 2. Operating Expenses
2. Beban Usaha Consolidated operating expenses increased by 5.33%
Beban usaha konsolidasian mengalami peningkatan from IDR771.14 billion in 2022 to IDR812.22 billion in
sebesar 5,33% dari Rp771,14 miliar di tahun 2022 2023. This was mainly due to an increase in salaries and
menjadi Rp812,22 miliar di tahun 2023. Hal ini terutama benefits, as well as marketing expenses.
disebabkan oleh adanya peningkatan pada gaji dan 3. Other Operating Expenses
tunjangan, serta biaya pemasaran. Other operating expenses increased by 15.26% from
3. Beban Usaha Lainnya IDR258.77 billion in 2022 to IDR298.26 billion in 2023.
Beban usaha lainnya meningkat 15,26% dari Rp258,77 The increase in expenses was due to an increase in
miliar di tahun 2022 menjadi Rp298,26 miliar di the cost of vehicles in line with the increase in revenue
tahun 2023. peningkatan beban ini disebabkan oleh from vehicle sales at Subsidiary PT Pratama Mitra
peningkatan harga pokok penjualan kendaraan sejalan Sejati. Other operating expenses are direct expenses
dengan peningkatan pendapatan atas penjualan of non-insurance subsidiaries engaged in property and
kendaraan di Anak Perusahaan PT Pratama Mitra Sejati. vehicle rental business (PT Pratama Mitra Sejati) and
Beban usaha lainnya adalah pengeluaran langsung dari survey services business (PT Synergy Risk Management
entitas anak non-asuransi yang bergerak dalam bidang Consultants).
usaha sewa properti dan kendaraan (PT Pratama Mitra
Sejati) serta bidang usaha jasa survei (PT Synergy Risk
Management Consultants).
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4. Pendapatan (Beban) Lain-Lain, Bersih 4. Other Revenues (Expenses), Net
Perseroan mencatatkan pendapatan lain-lain (bersih) The Company recorded other revenues (net) of IDR1.05
sebesar Rp1,05 triliun di tahun 2023 sedangkan pada trillion in 2023 while in 2022 the Company recorded
tahun 2022 Perseroan mencatatkan pendapatan lain- other income net of IDR108.51 billion. This was mainly
lain bersih, sebesar Rp108,51 miliar. Hal ini terutama due to the Company recorded a gain from the litigation
disebabkan Perseroan mencatatkan adanya pendapatan case between the Company and Citibank N.A. where
dari kasus litigasi antara Perseroan dan Citibank N.A. the Company won the legal case and the decision of
dimana Perseroan memenangkan kasus hukum tersebut the Hong Kong Court requires Citibank N.A. to make a
dan Keputusan dari Pengadilan Hong Kong mewajibkan payment to the Company of IDR1.1 trillion (before tax).
Citibank N.A. melakukan pembayaran kepada Perseroan
sebesar Rp1,1 triliun (sebelum di potong pajak).
Laba
Income
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Laba Sebelum Bagian Laba Bersih Entitas Asosiasi dan Beban Pajak Final 1.624.567 500.149 224,82%
dan Pajak Penghasilan
Income Before Share in Associates’ Net Income and Final Tax and Income
Tax Expense
Bagian Laba Bersih Entitas Asosiasi 7.763 17.048 (54,46%)
Share in Associate’s Net Income
Laba Sebelum Beban Pajak Final dan Pajak Penghasilan 1.632.330 517.197 215,61%
Income Before Final Tax Expense and Income Tax
Beban Pajak Final (52.160) (30.496) 71,04%
Final Tax Expense
Laba Sebelum Beban Pajak Penghasilan 1.580.171 486.701 224,67%
Income Before Income Tax Expense
Beban (Manfaat) Pajak Penghasilan (278.069) (91.596) 203,58%
Income Tax Expenses (Benefits)
Laba Tahun Berjalan 1.302.101 395.105 229,56%
Income for the Year
Penghasilan Komprehensif Lain Setelah Pajak 50.021 131.354 (61,92%)
Other Comprehensive Income After Tax
Jumlah Penghasilan Komprehensif Tahun Berjalan 1.352.122 526.459 156,83%
Total Comprehensive Income for the Year
Laba Tahun Berjalan yang Dapat Diatribusikan Kepada:
Income for the Year Attributable to:
Pemilik Entitas Induk 1.322.394 347.151 280,93%
Equity Owners of the Parent Entity
Kepentingan Non-Pengendali (20.292) 47.955 (142,31%)
Non-controlling Interest
Total Penghasilan Komprehensif Tahun Berjalan yang Dapat Diatribusikan Kepada:
Total Comprehensive Income for the Year Attributable to:
Pemilik Entitas Induk 1.372.504 482.800 184,28%
Equity Owners of the Parent Entity
Kepentingan Non-Pengendali (20.382) 43.659 (146,68%)
Non-controlling Interest
Laba Per Saham yang Dapat Diatribusikan kepada Pemilik Entitas Induk 372 195 90,73%
(Nilai Penuh) - Dasar dan Dilusian
Earnings per Share Attributable to Equity Owners of the Parent Entity (Full
Amount) - Basic and Diluted
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Per 31 Desember 2023, Perseroan membukukan laba As of 31 December 2023, the Company recorded income
tahun berjalan sebesar Rp1.302,10 miliar, meningkat for the year amounted to IDR1,302.10 billion, increased
sebesar 229,56% dari Rp395,11 miliar di tahun 2022. by 229.56% from IDR395.11 billion in 2022. In line with
Selaras dengan peningkatan tersebut, laba tahun berjalan this increase, income for the year attributable to owners of
yang dapat diatribusikan kepada pemilik entitas induk the parent entity increased by 280.93% from IDR347.15
meningkat sebesar 280,93 % dari tahun 2022 yang sebesar billion in 2022 to IDR1,322.39 billion with earnings per
Rp347,15 miliar menjadi Rp1.322,39 miliar dengan laba share attributable to owners of the parent entity of IDR372
per saham yang dapat diatribusikan kepada pemilik entitas or an increase of 90.73% compared to the previous year
induk sebesar Rp372 atau mengalami peningkatan 90,73% of IDR195.
dibanding tahun sebelumnya sebesar Rp195.
Penghasilan Komprehensif Tahun Berjalan Comprehensive Income for the Year
Penghasilan komprehensif Perseroan di tahun 2023 The Company's comprehensive income in 2023 was
tercatat sebesar Rp1.352,12 miliar, mengalami recorded at IDR1,352.12 billion, an increase of 156.83%
peningkatan 156,83% dibanding tahun 2022 yang sebesar compared to 2022 which amounted to IDR526.46 billion.
Rp526,46 miliar.
Sedangkan total penghasilan komprehensif tahun berjalan While the total comprehensive income for the year
yang diatribusikan kepada pemilik entitas induk sebesar attributable to owners of the parent entity amounted to
Rp1.372,50 milar, namun Perseroan mencatatkan IDR1,372.50 billion, nevertheless the Company recorded
penurunan penghasilan komprehensif yang dapat a decrease in comprehensive income attributable to non-
diatribusikan kepada kepentingan non-pengendali sebesar controlling interests of IDR20.38 billion due to a decrease in
Rp20,38 miliar yang disebabkan atas penurunan surplus fixed asset surplus revaluation compared to last year.
revaluasi aset tetap dibandingkan tahun lalu.
Arus Kas Konsolidasian
Consolidated Cash Flows
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Arus Kas Neto yang diperoleh dari (digunakan untuk) Aktivitas Operasi 2.128.649 855.914 148,70%
Net Cash Flows provided by (used in) Operating Activities
Arus Kas Neto yang diperoleh dari (digunakan untuk) Aktivitas (2.094.902) (657.432) 218,65%
Investasi
Net Cash Flows provided by (used in) Investing Activities
Arus Kas Neto yang diperoleh dari (digunakan untuk) Aktivitas (101.381) (157.921) (35,80%)
Pendanaan
Net Cash Flows provided by (used in) Financing Activities
Kenaikan (Penurunan) Neto Kas dan Bank (67.634) 40.562 (266,74%)
Net Increase (Decrease) in Cash and Banks
Penyesuaian atas Selisih Kurs (3.494) 22.433 (115,58%)
Adjustment of Foreign Exchanges Difference
Kas dan Bank Awal Tahun 608.986 545.992 11,54%
Cash and Banks at Beginning of the Year
Kas dan Bank Akhir Tahun 537.857 608.986 (11,68%)
Cash and Banks at the End of the Year
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Arus Kas dari Aktivitas Operasi
Cash Flows Provided by Operating Activities
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Penerimaan Kas dari Tertanggung, Reasuradur dan Pelanggan 8.499.827 7.996.568 6,29%
Cash Receipts from the Insured, Reinsurers, and Customers
Pembayaran Kas kepada Tertanggung, Reasuradur, Pemasok, dan (7.303.260) (7.084.256) 3,09%
Karyawan
Cash Paid to the Insured, Insurers, Suppliers and Employees
Pembayaran Pajak Penghasilan (198.596) (56.870) 249,21%
Income Tax Paid
Penerimaan Klaim atas Pengembalian Pajak 18.328 473 3.778,07%
Cash Receipts from Claim for Tax Refund
Penerimaan atas Litigasi 1.112.349 0 100%
Cash Receipts from Litigation
Arus Kas Neto yang Diperoleh dari Aktivitas Operasi 2.128.649 855.914 148,70%
Net Cash Flows Provided by Operating Activities
Arus kas neto dari aktivitas operasi tahun 2023 mencapai Net cash flow provided by operating activities in 2023
Rp2.128,65 miliar, meningkat 148,70% dibandingkan tahun reached IDR2,128.65 billion, an increase of 148.70%
2022 yang tercatat sebesar Rp855,91 miliar. Peningkatan ini compared to IDR855.91 billion in 2022. This increase
terutama disebabkan oleh adanya penerimaan atas litigasi was mainly due to the cash receipt from litigation from the
atas kemenangan kasus hukum Perseroan dengan Citibank settlement of the Company's legal case with Citibank N.A. in
N.A. di Pengadilan Hong Kong. the Hong Kong Court.
Arus Kas Digunakan untuk Aktivitas Investasi
Net Cash Flows Used In Investing Activities
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Penerimaan Bunga 446.798 174.304 156,33%
Interest Received
Penerimaan Dividen 43.396 9.591 352,45%
Dividends Received
Pencairan (Penempatan) Investasi (2.216.924) (577.603) 283,81%
Proceeds from Sale (Placement) of Investments
Perolehan Aset Tetap (368.082) (263.734) 39,57%
Acquisition of Fixed Assets
Hasil Penjualan Aset Tetap 21 10 119,39%
Proceeds from Sale of Fixed Assets
Perolehan Properti Investasi 112 0 100%
Acquisitions of Investment Property
Arus Kas Neto yang diperoleh dari (digunakan untuk) Aktivitas (2.094.902) (657.432) 218,65%
Investasi
Net Cash Flows provided by (used in) Investing Activities
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Di tahun 2023, Perseroan membukukan arus kas digunakan In 2023, the Company recorded cash flows used for investing
untuk aktivitas investasi sebesar Rp2.094,90 miliar, atau activities amounting to IDR2,094.90 billion, or an increase
meningkat 218,65% dari tahun 2022 yang tercatat sebesar of 218.65% from 2022 which was recorded at IDR657.43
Rp657,43 miliar. Hal ini terutama disebabkan oleh adanya billion. This was mainly due to an increase in net investment
peningkatan penempatan investasi neto di tahun 2023. placement in 2023.
Arus Kas Digunakan untuk Aktivitas Pendanaan
Net Cash Flows Used in Financing Activities
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Pertumbuhan
Keterangan
2023 2022 Growth
Description
(%)
Tambahan Modal Disetor 0 28 (100,00%)
Additional Paid In Capital
Pembayaran Dividen (244.362) (131.890) 85,28%
Dividends Paid
Pembayaran Bunga Sewa Pembiayaan (5.279) (8.933) (40,91%)
Payment of Lease Payable Interest
Pembayaran Pinjaman Diterima (71.486) (24.791) 188,35%
Payment of Borrowings
Pencairan Pinjaman Diterima 246.288 102.812 139,55%
Proceeds of Borrowings Receiving
Pembayaran Utang Sewa Pembiayaan Konsumen dan Sewa (23.102) (90.339) (74,43%)
Payment of Consumer Finance and Lease Payable
Pembayaran Liabilitas Sewa (3.440) (4.808) (28,44%)
Payment of Lease Liabilities
Arus Kas Neto yang diperoleh dari (digunakan untuk) Aktivitas (101.381) (157.921) (35,80%)
Pendanaan
Net Cash Flows provided by (used in) Financing Activities
Perseroan mencatatkan arus kas digunakan untuk aktivitas The Company recorded cash flows used for financing
pendanaan sebesar Rp101,38 miliar, menurun 35,80% activities of IDR101.38 billion, a decrease of 35.80%
jika dibandingkan tahun 2022 yang sebesar Rp157,92 compared to IDR157.92 billion in 2022. This decrease was
miliar. Penurunan ini terutama disebabkan oleh terdapat mainly due to cash receipt from loan disbursement received
penerimaan arus kas dari pencairan pinjaman diterima Anak by Subsidiary namely PT Pratama Mitra Sejati, in addition
Perusahaan PT Pratama Mitra Sejati, selain itu terdapat there was a decrease in the payment of consumer finance
penurunan pada pembayaran utang sewa pembiayaan and lease payables.
konsumen dan sewa pembiayaan.
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Kemampuan Membayar Kewajiban
Ability to Pay Liabilities (Solvency) of the Company
Peraturan Otoritas Jasa Keuangan (POJK) No. 69/ Financial Services Authority Regulation No. 69/
POJK.05/2016 mengatur bahwa perusahaan asuransi POJK.05/2016, regulates the insurance companies must
memiliki kewajiban terhadap para nasabahnya untuk settle their customers’ claims within 30 (thirty) days of the
melunasi pembayaran klaim para nasabahnya paling lama insured and insurer's agreement or certainty regarding the
30 (tiga puluh) hari sejak adanya kesepakatan antara amount of the claims to be paid. Therefore, the Company
tertanggung dan penanggung atau kepastian mengenai uses solvency ratio and other ratios, such as liquidity
jumlah klaim yang harus dibayar. Untuk itu, Perseroan ratio, investment adequacy ratio, investment returns to
menggunakan rasio solvabilitas dan rasio lainnya, net premium income ratio, and expenses to net premium
seperti rasio likuiditas, rasio kecukupan investasi, rasio income ratio, to measure its ability to pay and guarantee that
perimbangan hasil investasi dengan pendapatan premi neto, customer claims can be paid on time.
serta rasio beban terhadap pendapatan premi neto dalam
mengukur kemampuannya membayar dan menjamin klaim
nasabah dapat terbayar tepat waktu.
Rasio Solvabilitas
Solvency Ratio
Peraturan Otoritas Jasa Keuangan No. 71/POJK.05/2016 The Regulation of Financial Services Authority No. 71/
telah mengatur bahwa setiap perusahaan asuransi wajib POJK.05/2016 regulated that every insurance company
menetapkan dan memenuhi target tingkat solvabilitas paling is required to set and meet a target solvency level of at
rendah 120% dari Modal Minimum Berbasis Risiko (MMBR) least 120% of the Risk-Based Minimum Capital (MMBR)
setiap tahun. Perhitungan MMBR per 31 Desember 2023 every year. MMBR calculation as of 31 December 2023 is
dapat dilihat sebagai berikut: as follows:
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Keterangan
No. 2023 2022
Description
A Tingkat Solvabilitas
Solvency Level
Aset yang Diperkenankan 14.021.034 11.694.317
Allowed Assets
Liabilitas (kecuali Pinjaman Subordinasi) (9.351.637) (7.754.871)
Liabilities (excluding Subordinated Loans)
Jumlah Tingkat Solvabilitas 4.669.397 3.939.446
Total Solvency Level
B Modal Minimum Berbasis Risiko (MMBR)
Risk Based Minimum Capital (MMBR)
Risiko Kredit
Credit Risk
1. Risiko Kredit a (Risiko Kegagalan Debitur) 179.981 156.261
Credit Risk a (Debtor Failure Risk)
2. Risiko Kredit b (Risiko Kegagalan Reasuradur) 237.699 234.921
Credit Risk b (Reinsurer Failure Risk)
Jumlah Risiko Kredit 417.617 391.182
Total Credit Risk
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Keterangan
No. 2023 2022
Description
Risiko Likuiditas - -
Liquidity Risk
Risiko Pasar
Market Risk
1. Risiko Pasar a (Risiko Perubahan Hingga Pasar) 235.330 232.159
Market Risk a (Changes to Market Risk)
2. Risiko Pasar b (Risiko Perubahan Nilai Tukar Mata Uang) 2.556 1.446
Market Risk b (Risk of Changes in Currency Exchange Rates)
3. Risiko Pasar c (Risiko Perubahan Tingkat Bunga) - -
Market Risk c (Risk of Changes in Interest Rates)
Jumlah Risiko Pasar 237.886 233.606
Total Market Risk
Risiko Asuransi 219.059 208.859
Insurance Risk
Risiko Operasional 5.853 4.501
Operational Risk
Jumlah MMBR 880.415 838.149
Number of MMBR
Kelebihan (Kekurangan) Batas Tingkat Solvabilitas 3.788.981 3.101.297
Over (Under) Limit of Solvency Level
Rasio Pencapaian Solvabilitas (dalam %) 530,36% 470,02%
Solvency Ratio Attained (in %)
Hingga akhir tahun 2023, rasio pencapaian solvabilitas As of the end of 2023, the Company's solvency ratio was
Perseroan adalah sebesar 530,36% atau berhasil at 530.36% or has successfully exceeded the regulator's
melampaui persyaratan minimum regulator sebesar 120%. minimum requirements of 120%. This achievement
Capaian ini meningkat dari tahun 2022 yang sebesar increased from 2022, which was at 470.02%. This shows
470,02%. Hal tersebut menunjukkan kondisi finansial the soundness of the Company’s financial condition and the
Perseroan yang sehat dan juga kemampuan Perseroan yang Company’s ability in paying its liabilities to the parties.
kuat dalam membayar kewajibannya kepada para pihak.
Rasio Lainnya
Other Ratios
Keterangan
No. 2023 2022
Description
A Rasio Likuiditas 152,81% 183,94%
Liquidity Ratio
B Rasio Kecukupan Investasi (RKI) 541,03% 575,79%
Investment Adequacy Ratio (RKI)
C Rasio Perimbangan Hasil Investasi dengan Pendapatan Premi Netto 34,20% 21,12%
Investment Returns to Net Premium Income Ratio
D Rasio Beban (Klaim, Usaha dan Komisi) terhadap Pendapatan Premi Neto 78,50% 65,79%
Expenses (Claims, Business and Commissions) to Net Premium Income Ratio
Kemampuan untuk membayar utang yang berkaitan dengan The ability to pay liabilities related to insurance business
kegiatan bisnis asuransi adalah Rasio Kecukupan Investasi activities is the Investment Adequacy Ratio (RKI). In 2023,
(RKI). Di tahun 2023, Perseroan mencatatkan nilai RKI the Company recorded an RKI value of 541.03% or higher
sebesar 541,03% atau lebih tinggi dari nilai RKI minimal than the minimum RKI value of 100%. This indicates that the
sebesar 100%. Hal ini menunjukkan bahwa Investasi Company's investment is 5.4 times more than sufficient to
perusahaan 5,4 kali lebih dari cukup untuk membiayai cover its liabilities to the insured.
liabilitasnya kepada tertanggung.
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Tingkat Kolektibilitas Piutang
Accounts Receivable Collectability
Perseroan mengukur tingkat kolektibilitas piutangnya secara The collectability of the Company’s trade receivables is
berkala untuk mengetahui jika terdapat piutang tidak tertagih reviewed regularly, which uncollectible receivables will be
akan dihapuskan secara langsung dengan mengurangi nilai written off directly by reducing the carrying amount. An
tercatatnya. Akun penyisihan digunakan ketika terdapat bukti allowance account is used when there is objective evidence
yang objektif bahwa Perseroan tidak dapat menagih seluruh that the Company is unable to collect the entire amount
nilai terutang sesuai dengan persyaratan awal piutang. owed in accordance with the initial terms of the receivables.
Keterangan
2023 2022
Description
Rasio Perputaran Piutang 56 Hari 56 Hari
Accounts Receivable Turnover Ratio 56 Days 56 Days
Di tahun 2023, kolektibilitas piutang asuransi di luar piutang In 2023, the collectability of insurance receivables excluding
jatuh tempo adalah sebesar 56 hari. Pencapaian ini sama overdue receivables was 56 days. This accomplishment
dengan tahun sebelumnya. remained the same, compared to the prior year.
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Struktur Modal dan
Kebijakan Manajemen atas Struktur Modal
Capital Structure and the Management’s Policy on Capital Structure
Rincian Struktur Modal
The Company’s Capital Structure
Komposisi struktur modal Tugu Insurance di tahun 2023 In 2023, the composition of Tugu Insurance’s capital
berasal dari sumber dana sendiri (ekuitas). Struktur modal structure derived from its own source of funds (Equity). In
Perseroan di tahun 2023 mengalami peningkatan sebesar 2023, the Company's capital structure increased by 12,08%
12,08% dari Rp9,17 triliun di tahun 2022 menjadi Rp10,28 from IDR9.17 trillion in 2022 to IDR10.28 trillion. The details
triliun. Adapun rincian struktur modal Perseroan dapat dilihat of the Company's capital structure are as follows:
sebagai berikut:
Tabel Rincian Struktur Modal
Table of Capital Structure Details
Dalam jutaan Rupiah, kecuali dinyatakan lain
Expressed in million Rupiah, unless otherwise stated
Keterangan Pertumbuhan
2023 2022
Description (%)
Total Ekuitas 10.279.858 9.172.098 12,08%
Total Equity
Kebijakan Manajemen atas Struktur Modal
The Management’s Policy on Capital Structure
Tugu Insurance senantiasa menetapkan kebijakan struktur Tugu Insurance determines the optimum capital structure
permodalan yang optimal agar dapat memaksimalkan nilai policy to maximize the value of the Company. The main
Perseroan. Pengelolaan modal Perseroan bertujuan untuk objective of the Company’s capital management is to
mempertahankan rasio modal yang sehat untuk mendukung maintain a healthy capital ratio to support the business and
bisnis dan memaksimalkan nilai pemegang saham. maximize shareholder value.
Perseroan melalui Direksi dengan persetujuan Dewan Through the Board of Directors, along with the approval from
Komisaris senantiasa mengelola struktur modalnya dan the Board of Commissioners, the Company manages the
membuat perubahan jika diperlukan sehubungan dengan capital structure and makes changes, where appropriate,
perubahan yang terjadi pada kondisi ekonomi, struktur in relation to changes in economic conditions, business
bisnis dan perkembangan dalam industri. Pengelolaan structure and developments in the industry. Capital ratio
rasio modal juga diperlukan sebagai unsur kepatuhan management is also required as an element of compliance
terhadap Peraturan Otoritas Jasa Keuangan mengenai rasio with the Regulation of the Financial Services Authority
pencapaian solvabilitas yang dihitung dengan pendekatan concerning the solvency ratio attained, which is calculated
modal berbasis risiko. using a risk-based capital approach.
Pada periode 31 Desember 2023, Perseroan juga telah As of 31 December 2023, the Company has also met the
memenuhi ketentuan solvabilitas yang pencapaiannya jauh solvency requirements which are highly surpassed the
berada di atas ketentuan yang ditetapkan oleh Regulator. requirements set by the Regulator.
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Dasar Pemilihan Kebijakan Manajemen atas Struktur Modal
Basis of Selection of the Management’s Policy on Capital Structure
Tugu Insurance menetapkan kebijakan struktur permodalan Tugu Insurance determines the optimal capital structure
yang optimal agar dapat memaksimalkan nilai Perseroan. policy in order to maximize the value of the Company. The
Dasar pemilihan kebijakan manajemen atas struktur modal, following is the basis for selecting the management’s policy
antara lain: on capital structure:
• Senantiasa berupaya menetapkan target struktur modal • Always strive to set an optimal target capital structure;
yang optimal; • Management’s policy on corporate financing is to
• Kebijakan manajemen atas pembiayaan perusahaan utilize its own source of funds (Equity). In one of the
adalah dengan memanfaatkan sumber dana sendiri Subsidiaries, namely PT Pratama Mitra Sejati, in addition
(ekuitas). Pada salah satu Entitas Anak, yaitu PT Pratama to utilizing its own sources of funds, it also has loans in
Mitra Sejati, selain memanfaatkan sumber dana sendiri the form of bank loans or finance leases, but the value is
juga memiliki pinjaman berupa utang bank atau sewa not significant;
pembiayaan namun nilainya tidak signifikan; • The use of a larger proportion of equity (from debt);
• Penggunaan proporsi ekuitas yang lebih besar (dari • The capital structure is always reviewed by considering
utang); the balance between financial risk and the rate of return
• Struktur modal senantiasa ditinjau dengan to increase the value of the Company.
mempertimbangkan keseimbangan antara risiko
keuangan dan tingkat pengembalian dalam upaya
meningkatkan nilai Perseroan.
Ikatan Material untuk Investasi Barang Modal
Material Commitment for Capital Expenditure
Selama tahun 2023, Perseroan tidak memiliki ikatan In 2023, the Company did not have any material commiment
material terkait investasi barang modal. Hal ini dikarenakan in relation to investment of capital goods. This was due to
pembelian aset tetap dan investasi lainnya yang dilakukan the purchase of fixed assets and other investment conducted
oleh Perseroan berasal dari modal Perseroan. Dengan by the Company was originated from the Company’s capital.
demikian, tidak terdapat informasi mengenai tujuan dari Therefore, there were no information on the purpose of the
ikatan material tersebut; sumber dana yang diharapkan material bonds; the funding sources that is expected to
untuk memenuhi ikatan tersebut; mata uang yang menjadi fulfill such bonds; the denominations of the currency; and
denominasi; dan langkah yang direncanakan Perseroan steps planned by the Company to protect risks from related
untuk melindungi risiko dari posisi mata uang asing currency positions.
yang terkait.
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Realisasi Investasi Barang Modal Tahun 2023
Realization of Capital Expenditure in 2023
Sepanjang tahun 2023, Perseroan telah merealisasikan Throughout 2023, the Company has realized a number of
sejumlah investasi barang modal, baik yang ditujukan untuk investments in capital goods, both aimed at supporting
menunjang operasional Perseroan pada tahun buku maupun the Company's operations in the fiscal year and to support
untuk menunjang rencana usaha ke depan. Perseroan telah future business plans. The Company has realized capital
merealisasikan biaya investasi barang modal sebesar Rp368 expenditure of IDR368 billion. The details of the realization
miliar. Adapun rincian realisasi investasi barang modal di of capital expenditure in 2023 are as follows:
tahun 2023 dapat dilihat sebagai berikut:
Dalam jutaan Rupiah
Expressed in million Rupiah
Jenis Barang Modal
2023
Type of Capital Expenditure
Kendaraan Bermotor 288.576
Motorized Vehicles
Pengembangan Sistem Informasi 34.822
Information System Development
Renovasi Gedung Perkantoran 29.809
Office Building Renovation
Peralatan Komputer 11.734
Computer Equipment
Gedung, Mebel dan Peralatan Kantor 3.141
Building, Furniture, and Stationaries
Jumlah 368.082
Total
Informasi dan Fakta Material yang Terjadi
setelah Tanggal Laporan Akuntan
Material Information and Facts Subsequent to the Accountant’s Report Date
Tidak terdapat informasi dan fakta material yang terjadi There is no material information and facts after the date of
setelah tanggal Laporan Akuntan sampai dengan accounting report until the issuance of this Annual Report.
diterbitkannya Laporan Tahunan ini.
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Prospek Usaha
Business Outlook
Seperti dikutip dari Laporan Kebijakan Moneter As quoted from the 2023 Fourth Quarter Monetary Policy
Triwulan IV 2023 yang dirilis oleh Bank Indonesia, Report released by Bank Indonesia, it stated that the world
menyatakan bahwa pertumbuhan ekonomi dunia economic growth was experiencing a slowdown with easing
melambat dengan ketidakpastian pasar keuangan yang financial market uncertainty. The global economy is forecast
mereda. Ekonomi global diprakirakan tumbuh sebesar to grow by 3.0% in 2023 and would slow down to 2.8% in
3,0% pada 2023 dan melambat menjadi 2,8% pada 2024. 2024. The economies of the United States (US) and India
Ekonomi Amerika Serikat (AS) dan India tetap kuat didukung remained strong supported by household consumption and
konsumsi rumah tangga dan investasi. Sementara itu, investment. Meanwhile, China's economy decelerated as
ekonomi Tiongkok melambat seiring dengan tetap lemahnya household consumption and investment remained weak due
konsumsi rumah tangga dan investasi sebagai dampak to the continued weak performance of the property sector, as
lanjutan dari pelemahan kinerja sektor properti, serta well as limited fiscal stimulus.
terbatasnya stimulus fiskal.
Penurunan inflasi di negara maju, termasuk AS, berlanjut, The decline in inflation in advanced economies, including
meski masih berada di atas sasaran, sementara inflasi the US, continued, although still above target, while China's
Tiongkok menurun dipengaruhi oleh pertumbuhan ekonomi inflation declined due to slowing economic growth. The cycle
yang melambat. Siklus kenaikan suku bunga kebijakan of rising monetary policy rates in advanced economies,
moneter negara maju, termasuk Fed Funds Rate (FFR), including the Fed Funds Rate (FFR), is predicted to have
diprakirakan telah berakhir meskipun masih bertahan tinggi ended despite remaining high in the first half of 2024, with
pada semester I 2024, dengan kemungkinan akan mulai the possibility of starting to decline in the second half of
menurun pada semester II 2024. 2024.
Yield obligasi Pemerintah negara maju, termasuk US Government bond yields of developed countries, including US
Treasury, menurun secara gradual tapi masih berada di Treasury, are gradually declining but still at high levels which
level tinggi sejalan dengan premi risiko jangka panjang is in line with the term-premia associated with the large
(term-premia) terkait besarnya pembiayaan fiskal dan US fiscal and government debt financing. Additionally, the
utang pemerintah AS. Tekanan penguatan nilai tukar dolar US dollar's increasing strength against other international
AS terhadap berbagai mata uang dunia juga berkurang. currencies weakened. These developments encouraged
Perkembangan tersebut mendorong berlanjutnya aliran the continuation of foreign capital inflows and reduced the
masuk modal asing dan mengurangi tekanan pelemahan pressure of weakening exchange rates in emerging markets,
nilai tukar di emerging market, termasuk Indonesia. including Indonesia.
Ke depan, beberapa risiko global tetap perlu dicermati Going forward, there are several global risks that should be
karena dapat memengaruhi ketidakpastian perekonomian carefully anticipated as they could affect the uncertainty of
dunia, seperti berlanjutnya ketegangan geopolitik, pelemahan the world economy, such as the continuation of geopolitical
ekonomi di sejumlah negara utama, termasuk Tiongkok, tensions, economic slowdown in several major countries,
serta kepastian waktu dan besarnya penurunan suku bunga including China, as well as the time and magnitude of the
moneter negara maju, khususnya FFR. decline in developed countries' monetary interest rates,
particularly the FFR.
Di sisi lain, pemulihan ekonomi Indonesia terus berlanjut On the other hand, Indonesia's economic recovery is steadily
ditopang oleh permintaan domestik. Pertumbuhan ekonomi supported by domestic demand. The 2023 economic growth
2023 diprakirakan dalam kisaran 4,5-5,3%, didorong oleh is forecast in the range of 4.5-5.3%, fueled by consumption
konsumsi dan investasi sejalan dengan akselerasi belanja and investment in line with the acceleration of Government
Pemerintah pada akhir tahun dan percepatan penyelesaian spending at the end of the year and the accelerated
beberapa Proyek Strategis Nasional (PSN). Pada 2024, completion of several National Strategic Projects (PSN). In
pertumbuhan ekonomi diprakirakan meningkat dalam 2024, economic growth is predicted to improve in the range
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kisaran 4,7-5,5% didukung oleh permintaan domestik of 4.7-5.5%, supported by domestic demand, particularly
utamanya berlanjutnya pertumbuhan konsumsi, termasuk continued consumption growth, including the positive impact
dampak positif penyelenggaraan pemilu, serta peningkatan of the election, as well as increased investment, especially
investasi khususnya bangunan sejalan dengan berlanjutnya in buildings in line with the continued development of PSN
pembangunan PSN termasuk Ibu Kota Nusantara (IKN). including Nusantara Capital City (IKN).
Sementara itu, kinerja ekspor diprakirakan belum kuat Meanwhile, export performance is expected to remained
sebagai dampak perlambatan ekonomi global dan weak due to the global economic recession and the
penurunan harga komoditas. Berdasarkan Lapangan decline in commodity prices. By Business Field (LU), the
Usaha (LU), prospek LU Industri Pengolahan, Perdagangan prospects for LU Manufacturing Industry, Wholesale and
Besar dan Eceran, Informasi dan Komunikasi, Konstruksi, Retail Trade, Information and Communication, Construction,
serta Transportasi dan Pergudangan diprakirakan tetap and Transportation and Warehousing are predicted to
tumbuh baik. Sementara secara spasial, pertumbuhan continuously grow steadily. While all regions are expected
yang baik diprakirakan terjadi di seluruh wilayah, terutama to see strong spatial growth, especially in Sulawesi-Maluku-
Sulawesi-Maluku-Papua (Sulampua) sejalan dengan dampak Papua (Sulampua) in line with the positive impact of mineral
positif hilirisasi mineral, serta Jawa akibat permintaan downstreaming, as well as Java due to strong domestic
domestik yang masih kuat. Ke depan, Bank Indonesia demand. Going forward, Bank Indonesia will continue to
akan terus memperkuat sinergi stimulus fiskal Pemerintah improve the synergy between the fiscal stimulus of the
dengan stimulus makroprudensial Bank Indonesia untuk government and the macroprudential stimulus of the bank to
mendorong pertumbuhan ekonomi, khususnya dari sisi support economic growth, particularly from the perspective
permintaan domestik. of domestic demand.
Mengamati perkembangan tersebut di atas, Perseroan telah By observing the developments, the Company has designed
merancang rencana dan langkah-langkah strategis di tahun strategic plans and strategic measures in 2024 including:
2024 di antaranya:
1. Melakukan inovasi produk dan channel distribution untuk 1. Product innovation and channel distribution to increase
peningkatan pasar BUMN dan Broker (semua class the SOE and Broker market (all classes of business,
of business, terutama asuransi kebakaran & property, especially fire insurance & property insurance,
engineering); engineering insurance);
2. Optimalisasi aset (pelepasan aset yang kurang produktif); 2. Asset optimization (disposal of less productive assets);
3. Peningkatan bisnis retail and branches melalui 3. Improvement of retail and branches business through
optimalisasi fungsi Point of Sales & Services (PoSS) dan optimization of Point of Sales & Services (PoSS) function
melakukan pengembangan produk mikro; and micro product development;
4. Melanjutkan program digital transformation dalam 4. Continuing the digital transformation program to
upaya simplifikasi dan digitalisasi proses bisnis, serta streamline and digitize business operations; providing
penyediaan front-end system dari aplikasi untuk customer a front-end system from applications for customers
yang mengutamakan alur kenyamanan customer that prioritize the flow of customer convenience in using
dalam menggunakan produk digital sehingga dapat digital products to increase the credibility of the Tugu
meningkatkan kredibilitas bisnis Tugu Insurance; Insurance business;
5. Melanjutkan program implementasi sistem ERP Finance 5. Continuing the ERP Finance & Actuarial Engine system
& Actuarial Engine, serta persiapan implementasi implementation program, as well as preparation for PSAK
PSAK 117; 117 implementation;
6. Meningkatkan corporate image Tugu dengan 6. Improving Tugu's corporate image by increasing
meningkatkan kegiatan promosi untuk mendukung promotional activities to support business development
pengembangan bisnis (meningkatkan tingkat brand (raising brand awareness);
awareness); 7. Strengthening human capital by improving the recruitment
7. Penguatan human capital melalui perbaikan sistem system, implementing Management Trainees and tiered
rekrutmen, pelaksanaan Management Trainee dan competency development;
peningkatan kompetensi berjenjang; 8. Continuing the cost optimization program and new ways
8. Melanjutkan program cost optimization dan new ways of working.
of working.
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Perbandingan Antara Target dan
Realisasi 2023 serta Proyeksi Tahun 2024
Comparison of 2023 Target vs. Realization and 2024 Projections
Target perolehan premi bruto pada tahun 2023 adalah The target for gross premiums in 2023 is IDR6.64 trillion
sebesar Rp6,64 triliun dengan target laba tahun berjalan with the target of income for the year of IDR318 billion.
sebesar Rp318 miliar. Realisasi perolehan premi bruto di Realization of gross premiums in 2023 amounted to IDR7.71
tahun 2023 adalah sebesar Rp7,71 triliun dan realisasi trillion and income for the year amounted to IDR1.302
laba tahun berjalan adalah sebesar Rp1.302 miliar, atau billion, or 329.56% surpassed the 2023 profit target, among
329,56% di atas target laba 2023, di antaranya karena others due to an increase in operating income (underwriting,
adanya peningkatan pendapatan usaha (underwriting, hasil investment yield and other operating income as well as other
investasi dan hasil usaha lainnya serta hasil/beban) lainnya. yields/expenses).
Proyeksi atau target premi bruto Perseroan di tahun 2024 The Company's aim to achieve an increase of approximately
naik sekitar 6% dari realisasi pencapaian tahun 2023. 6% on gross premium in 2024 from the actual achievement
Sedangkan target perolehan laba tahun berjalan di tahun in 2023. Meanwhile, income for the year in 2024 projected
2024 mengalami penurunan sekitar 17%. Perlu dicatat to decreased by around 17%. For the record, in 2023 the
bahwa di tahun 2023, Perseroan mencatatkan pendapatan Company recorded other income from the litigation case
lain-lain dari kasus litigasi antara Perseroan dengan Citibank between the Company and Citibank N.A where the Company
N.A dimana Perseroan memenangkan kasus hukum tersebut won the legal the Hong Kong Court required Citibank N.A to
dan keputusan dari Pengadilan Hong Kong mewajibkan make payments to the Company.
Citibank N.A melakukan pembayaran kepada Perseroan.
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Aspek Pemasaran
Marketing Aspect
Pangsa Pasar
Market Share
Mengacu kepada materi Kinerja Asuransi Umum dan Referring to the materials on the Performance of General
Reasuransi 2023 (full year) yang diterbitkan oleh Asosiasi Insurance and Reinsurance in 2023 (full year) issued by
Asuransi Umum Indonesia (AAUI) tanggal 22 Februari 2024, Indonesian General Insurance Association (AAUI), on 22
total permi bruto industri asuransi umum untuk tahun 2023 February 2024, the total gross premium of general insurance
tercatat sebesar Rp103,87 triliun. Dengan total premi bruto for 2023 was recorded at IDR103.87 trillion. With a total
Tugu Insurance (induk) untuk tahun 2023 yang tercatat gross premium of Tugu Insurance for 2023 was recorded at
sebesar Rp5,05 triliun, maka pangsa pasar yang dimiliki IDR5.05 trillion, then Tugu Insurance has a market share
Tugu Insurance adalah sebesar 4,9%. of 4.9%.
Strategi Pemasaran
Marketing Strategy
Tugu Insurance telah menyusun strategi pemasaran yang Tugu Insurance has established a marketing strategy that
diharapkan dapat mengoptimalkan kinerja bisnis yang is expected to optimize the performance of its business
dijalankan. Di tahun 2023, Tugu Insurance menjalankan operations. In 2023, Tugu Insurance has carried out the
strategi pemasaran sebagai berikut: following marketing strategies:
1. Melakukan optimalisasi bisnis captive yang meliputi 1. Optimize captive business that covers all business lines
semua lini bisnis dalam ekosistem Pertamina Group. in Pertamina Group ecosystem.
2. Pengembangan dan pertumbuhan pada bisnis non- 2. Development and growth of non-captive business.
captive. a. Corporate business
a. Bisnis korporasi - Conduct penetration to SOEs and private sectors
- Melakukan penetrasi ke sektor BUMN dan swasta through direct channel and top broker.
melalui direct channel dan top broker. - Optimize participation in Cost Recovery for Special
- Optimalisasi keikutsertaan dalam Konsorsium Task Force for Upstream Oil and Gas Business
Cost Recovery SKK Migas. Activities (SKK Migas) Consortium.
b. Bisnis retail b. Retail business
- Meningkatkan penjualan produk melalui layanan - Increase sales of product through digital service
digital (baik melalui penjualan langsung atau (through direct sales or digital partner).
dengan digital partner). - Increase sales of products through addition of
- Meningkatkan penjualan produk melalui agents, leasing, dealer, and bank partners.
penambahan agen, leasing, dealer, mitra bank. 3. Maintain good relationship with customers, provide best
3. Menjaga hubungan baik dengan pelanggan, memberikan service and adapt to technology that is appropriate in the
pelayanan terbaik dan mengadaptasi teknologi effort to increase customer satisfaction.
yang tepat guna dalam upaya untuk meningkatkan
kepuasan pelanggan.
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Kebijakan Dividen dan Pembagian Dividen
Dividend Policy and Dividend Distribution
Kebijakan Dividen
Dividend Policy
Dalam menyusun anggaran dan proyeksi 1 (satu) tahun In preparing the budget and projections for the next 1 (one)
ke depan terkait dividen, Perseroan menggunakan asumsi year regarding dividends, the Company uses assumptions
melalui pembayaran dividen pada tahun-tahun sebelumnya. through dividend payments in previous years.
Mengacu kepada prospektus yang diterbitkan Perseroan In reference to the prospectus issued by the Company at
pada saat Penawaran Umum Perdana Saham, manajemen the Initial Public Offering, the Company’s management has a
Perseroan memiliki kebijakan untuk membayarkan dividen policy to pay dividends with a maximum ratio of 30% (thirty
dengan rasio sebanyak-banyaknya 30% (tiga puluh persen) percent) of the Company’s consolidated income for the
dari laba tahun berjalan konsolidasi Perseroan, yang year, which has started since 2017 with the amount linked
dimulai sejak tahun 2017 dan besarnya dikaitkan dengan to the Company’s profit for the relevant fiscal year, without
keuntungan Perseroan pada tahun buku yang bersangkutan, ignoring the Company’s soundness and without prejudice to
dengan tidak mengabaikan tingkat kesehatan Perusahaan the right of the Company’s General Meeting of Shareholders
dan tanpa mengurangi hak dari Rapat Umum Pemegang to determine otherwise in accordance with the Company’s
Saham Perusahaan untuk menentukan lain sesuai Anggaran Articles of Association.
Dasar Perusahaan.
Pembagian Dividen
Dividend Distribution
Uraian pembagian dividen yang telah dilakukan Perseroan The description of dividend distributions made by the
dalam 2 (dua) tahun buku terakhir dapat dilihat Company in the last 2 (two) fiscal years are as follows:
sebagai berikut:
Persentase
Pembayaran Dividen Dividen Tunai yang
Tahun Buku Tanggal Pembayaran Dividen Per Saham
terhadap Laba Bersih Dibagikan
Financial Year Payment Date Dividend per Share
Percentage of Dividend Cash Dividend Distributed
Payment to Net Income
Dividen Interim - 20 Desember 2023 Rp90.710.513.155 Rp25,512188
Interim Dividend 20 December 2023
2022 40% 26 Mei 2023 Rp138.860.307.200 Rp78,10848246
26 May 2023
2021 40% 16 Juni 2022 Rp126.592.140.666 Rp71,20807823
16 June 2022
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Realisasi Penggunaan Dana
Hasil Penawaran Umum
Realization of Use of Proceeds from Public Offering
Pada tanggal 17 Mei 2018, Tugu Insurance memperoleh On 17 May 2018, Tugu Insurance obtained an effective
pernyataan efektif dari Otoritas Jasa Keuangan (OJK) untuk statement from the Financial Services Authority (OJK) to
melakukan Penawaran Umum Perdana (Initial Public Offering conduct an Initial Public Offering (IPO) of TUGU to the public
atau IPO) Saham TUGU kepada masyarakat sebanyak in the amount of 177,777,800 shares with a nominal
177.777.800 saham dengan nilai nominal Rp100,- per value of IDR100 per share at an offering price of IDR3,850
saham dengan harga penawaran Rp3.850,- per saham. per share. The shares were listed on the Indonesia Stock
Saham-saham tersebut dicatatkan pada Bursa Efek Exchange (IDX) on 28 May 2018.
Indonesia (BEI) pada tanggal 28 Mei 2018.
Sebagaimana tercantum dalam Prospektus Perseroan, As stated in the Company’s Prospectus, all proceeds from
seluruh dana yang diperoleh dari hasil IPO, setelah dikurangi the IPO, after deducting the issuance costs, will be used by
dengan biaya-biaya emisi akan digunakan oleh Perseroan the Company with the following details:
dengan rincian sebagai berikut:
1. Sekitar 70% (tujuh puluh persen) akan digunakan 1. Approximately 70% (seventy percent) will be used to
untuk memperkuat modal Perseroan dalam rangka strengthen the Company’s capital in the context of
pengembangan bisnis Perseroan sebagai berikut: developing the Company’s business as follows:
a. Sekitar 40% (empat puluh persen) untuk a. Approximately 40% (forty percent) for the development
pengembangan infrastruktur pemasaran Perseroan; of the Company’s marketing infrastructure;
b. Sekitar 40% (empat puluh persen) untuk b. Approximately 40% (forty percent) for the
pengembangan infrastruktur teknologi dan development of technology infrastructure and other
operasional lainnya; dan operations; and
c. Sekitar 20% (dua puluh persen) untuk rebranding dan c. Approximately 20% (twenty percent) for the rebranding
promosi produk Perseroan. and promotion of the Company’s products.
2. Sekitar 30% (tiga puluh persen) digunakan untuk 2. Approximately 30% (thirty percent) is used for business
pengembangan usaha dalam bentuk peningkatan development in the form of increasing equity participation
penyertaan modal pada Entitas Anak yaitu PT Tugu in the Subsidiary, namely PT Tugu Reasuransi Indonesia
Reasuransi Indonesia melalui PT Tugu Pratama lnterindo through PT Tugu Pratama Interindo to strengthen capital
untuk memperkuat modal di bidang reasuransi. in reinsurance.
Di tahun 2023, Perseroan telah merealisasikan penggunaan In 2023, the Company has realized the use of proceeds from
dana hasil penawaran umum dengan rincian sebagai berikut: the public offering with the following details:
Keterangan Jumlah (Rp penuh)
No.
Description Amount (Full IDR)
A Jumlah Perolehan Dana 684.444.530.000,00
Total Acquired Proceeds
B Biaya Penawaran 25.742.358.837,00
Bidding Fee
C Hasil Bersih 658.702.171.163,00
Net Proceeds
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Keterangan Jumlah (Rp penuh)
No.
Description Amount (Full IDR)
D Rincian Penggunaan Dana Hingga 31 Desember 2023
Details of Use of Proceeds until 31 December 2023
Penggunaan Rencana Penggunaan Dana Realisasi Penggunaan Dana
Usage Plan of the Use of Proceeds Realization of the Use of Proceeds
Infrastruktur Pemasaran 184.436.607.925,64 184.436.607.925,64
Marketing Infrastructure
IT dan Operasional Lainnya 184.436.607.925,64 184.436.607.925,64
IT and Other Operations
Rebranding dan Promosi Produk 92.218.303.962,82 92.218.303.962,82
Product Rebranding and Promotion
Penyertaan Modal Tugure 197.610.651.348,90 125.000.000.000,00
Equity Participation in Tugure
Total 658.702.171.163,00 586.091.519.814,10
E Sisa Dana Hasil Penawaran Umum 72.610.651.348,90
Remaining Proceeds from Public Offering
Informasi Keuangan yang Telah Dilaporkan
yang Mengandung Kejadian yang Sifatnya Luar Biasa
dan Jarang Terjadi
Reported Financial Information Containing Infrequent and Rare Events
Per 31 Desember 2023, tidak terdapat informasi keuangan As of 31 December 2023, there were no financial
yang telah dilaporkan yang mengandung kejadian bersifat information reported that contains extraordinary or rare
luar biasa dan jarang terjadi. Dengan demikian, tidak events. Therefore, no information regarding this matter can
terdapat informasi mengenai hal tersebut yang dapat be presented in this Annual Report.
disajikan dalam Laporan Tahunan ini.
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Dampak Perubahan Harga Terhadap Penjualan/
Pendapatan Perusahaan
Impact of Price Changes on the Company’s Sales/Revenue
Sepanjang tahun 2023, tidak terdapat dampak yang Throughout 2023, there is no significant impact of price
signifikan atas perubahan harga terhadap penjualan maupun changes on the Company's sales or revenue.
pendapatan Perseroan.
Informasi Material Mengenai Investasi, Ekspansi,
Divestasi, Penggabungan/Peleburan Usaha, Akuisisi,
dan Restrukturisasi Utang/Modal pada Tahun Buku
Material Information Regarding Investment, Expansion, Divestment, Business Merger/
Consolidation, Acquisition, and Debt/Capital Restructuring in the Fiscal Year
Sepanjang tahun 2023 tidak terdapat informasi Throughout 2023, Tugu Insurance did not make investments,
material mengenai aksi korporasi investasi, ekspansi, expansions, divestments, business mergers/consolidations,
divestasi, penggabungan/peleburan usaha, akuisisi, dan acquisitions, and debt/capital restructuring. Therefore, no
restrukturisasi utang/modal. Dengan demikian, tidak information regarding this matter can be presented in this
terdapat informasi mengenai hal tersebut yang dapat Annual Report.
disajikan dalam Laporan Tahunan ini.
Informasi Material Mengenai Transaksi Material yang
Mengandung Benturan Kepentingan
Material Information on Material Transactions Containing Conflict of Interest
Hingga akhir tahun 2023, Perseroan tidak melakukan Until the end of 2023, the Company did not carry out
transaksi material yang mengandung benturan kepentingan. material transactions containing conflict of interest.
Dengan demikian, tidak terdapat informasi mengenai hal Therefore, no information regarding this matter can be
tersebut yang dapat disajikan dalam Laporan Tahunan ini. presented in this Annual Report.
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Informasi Material Mengenai Transaksi
dengan Pihak Afiliasi/Pihak Berelasi
Material Information on Transactions with Affiliates/Related Parties
Pengungkapan Pihak Berelasi
Related Party Disclosure
Seluruh sifat dan transaksi dengan Pihak-pihak Berelasi The entire nature and transactions with Related Parties
sebagai bagian dari Kebijakan Akuntansi Penting terkait as part of Tugu Insurance’s Important Accounting Policies
Hubungan Afiliasi (Pihak Berelasi) Tugu Insurance pada related to Affiliates (Related Parties) for the 2023 fiscal
tahun buku 2023 telah diungkapkan dalam Laporan year have been disclosed in the Company’s Consolidated
Keuangan Konsolidasian Perseroan yang berakhir pada 31 Financial Statements ending on 31 December 2023.
Desember 2023.
Definisi Pihak Berelasi
Definition of Related Party
Dalam kegiatan usahanya, Perusahaan melakukan transaksi In running its business activities, the Company conducts
dengan pihak-pihak yang berelasi sesuai dengan Pernyataan transactions with related parties in accordance with the
Standar Akuntansi Keuangan (PSAK) No. 7 tentang Statement of Financial Accounting Standards (PSAK) No. 7
“Pengungkapan Pihak-Pihak yang Berelasi”. concerning “Disclosure of Related Parties”.
Suatu pihak dianggap berelasi dengan Perseroan dan Entitas A party is considered related to the Company and its
Anak jika: Subsidiaries if:
1. langsung, atau tidak langsung yang melalui satu atau 1. directly, or indirectly through one or more intermediaries,
lebih perantara, suatu pihak (i) mengendalikan, atau the party (i) controls, or is controlled by, or is under
dikendalikan oleh, atau berada di bawah pengendalian common control, with the Company and Subsidiaries;
bersama, dengan Perseroan dan Entitas Anak; (ii) (ii) has an interest in the Company and Subsidiaries
memiliki kepentingan dalam Perseroan dan Entitas Anak that gives it significant influence over the Company and
yang memberikan pengaruh signifikan atas Perseroan Subsidiaries; or, (iii) has joint control over the Company
dan Entitas Anak; atau (iii) memiliki pengendalian and Subsidiaries;
bersama atas Perseroan dan Entitas Anak; 2. party related to the Company and its Subsidiaries;
2. suatu pihak yang berelasi dengan Perseroan dan 3. a party is a joint venture in which the Company and its
Entitas Anak; Subsidiaries are venturers;
3. suatu pihak adalah ventura bersama di mana Perseroan 4. a party is a member of the key management personnel of
dan Entitas Anak sebagai venturer; the Company and Subsidiaries or the parent entity;
4. suatu pihak adalah anggota dari personil manajemen 5. a party is a close family member of the individual
kunci Perseroan dan Entitas Anak atau induk; described in (a) or (d);
5. suatu pihak adalah anggota keluarga dekat dari individu 6. a party is an entity that is controlled, jointly controlled or
yang diuraikan dalam butir (a) atau (d); significantly influenced by or for which significant voting
6. suatu pihak adalah entitas yang dikendalikan, rights in multiple entities, directly or indirectly, individuals
dikendalikan bersama atau dipengaruhi signifikan oleh as described in (d) or (e); or
atau untuk di mana hak suara signifikan pada beberapa 7. a party is a post-employment benefit plan for employee
entitas, langsung maupun tidak langsung, individu seperti benefits from the Company and its Subsidiaries or
diuraikan dalam butir (d) atau (e); atau entities related to the Company and Subsidiaries.
7. suatu pihak adalah suatu program imbalan pasca kerja
untuk imbalan kerja dari Perseroan dan Entitas Anak atau
entitas yang terkait dengan Perseroan dan Entitas Anak.
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Berdasarkan definisi tersebut, pihak berelasi Tugu Insurance Based on this definition, related parties of Tugu Insurance
adalah pemegang saham utama Tugu Insurance dan include the main shareholders of Tugu Insurance and the
Grup, yakni PT Pertamina (Persero) yang berada di bawah Group, namely PT Pertamina (Persero) which is under the
pengendalian Pemerintah Republik Indonesia. Dengan control of the Government of the Republic of Indonesia.
demikian, semua instansi Pemerintah, BUMN, BUMD, dan Thus, all Government agencies, SOEs, ROEs, and other
entitas lain di mana Pemerintah memiliki pengendalian atau entities, which the Government has significant control or
pengaruh signifikan, baik secara langsung maupun tidak influence, either directly or indirectly, are related parties to
langsung, merupakan pihak berelasi dengan Tugu Insurance Tugu Insurance and the Group.
dan Grup.
Seluruh transaksi yang dilakukan oleh Tugu Insurance All these transactions are carried out based on terms agreed
dengan berelasi dilakukan berdasarkan persyaratan yang by both parties, where these terms may not be the same as
disetujui oleh kedua belah pihak, di mana persyaratan other transactions made with unrelated parties.
tersebut mungkin tidak sama dengan transaksi lain yang
dilakukan dengan pihak-pihak tidak berelasi.
Nama Pihak Berelasi dan Sifat Hubungan Afiliasi
Name of Related Party and Nature of Affiliated Relationship
Pihak-pihak Berelasi Sifat Hubungan Sifat dari Transaksi
Related Parties Nature of Relationship Nature of Transaction
Pemerintah RI Entitas induk terakhir Obligasi
Government of Republic of Indonesia Ultimate parent entity Bonds
Komisaris dan direksi Personil manajemen kunci Beban gaji dan kesejahteraan karyawan
Commissioners and directors Key management personnel Employees’ salaries and benefits
PT Pertamina (Persero) Tbk Entitas induk Obligasi, penutupan asuransi, piutang premi
Parent entity dan sesi, utang klaim
Bonds, insurance premium, premium and
cession receivable, claim payable
PT Pertamina Patra Niaga Entitas yang dikendalikan oleh entitas induk Piutang premi dan sesi, penutupan asuransi
Entity controlled by parent entity Premium & cession receivable, insurance
premium
PT Pelita Air Service (Persero) Tbk Entitas yang dikendalikan oleh entitas induk Piutang premi dan sesi, penutupan asuransi
Entity controlled by parent entity Premium & cession receivable, insurance
premium
PT Pertamina Hulu Energi Entitas yang dikendalikan oleh entitas induk Piutang premi dan sesi, penutupan asuransi
Entity controlled by parent entity Premium & cession receivable, insurance
premium
PT Pertamina Drilling Services Indonesia Entitas yang dikendalikan oleh entitas induk Piutang premi dan sesi, utang klaim
Entity controlled by parent entity Premium and cession receivable, claim payable
PT Pertamina Lubricants Entitas yang dikendalikan oleh entitas induk Piutang premi dan sesi, penutupan asuransi
Entity controlled by parent entity Premium & cession receivable, insurance
premium
PT Elnusa Tbk Entitas yang dikendalikan oleh entitas induk Obligasi
Entity controlled by parent entity Bonds
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 & cession receivable,
insurance premium
Pertamina International Shipping Pte Ltd Entitas yang dikendalikan oleh entitas induk Piutang premi dan sesi, penutupan asuransi
Entity controlled by parent entity Premium & cession receivable, insurance
premium
PT Pertamina International Shipping Entitas yang dikendalikan oleh entitas induk Piutang premi dan sesi, penutupan asuransi
Entity controlled by parent entity Premium & cession receivable, insurance
premium
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Pihak-pihak Berelasi Sifat Hubungan Sifat dari Transaksi
Related Parties Nature of Relationship Nature of Transaction
PT Asuransi Staco Mandiri Entitas asosiasi melalui entitas anak Piutang premi dan sesi, penutupan asuransi
Associate entity through subsidiaries Premium & cession receivable, insurance
premium
PT Patra Trading Entitas yang dikendalikan oleh entitas induk Piutang premi dan sesi, penutupan asuransi
Entity controlled by parent entity Premium & cession receivable, insurance
premium
PT Pertamina Training & Consulting Entitas yang dikendalikan oleh entitas induk Utang klaim, penutupan asuransi
Entity controlled by parent entity Claim payable, insurance premium
PT Pertamina Drilling Contractor Entitas yang dikendalikan oleh entitas induk Piutang premi dan sesi, penutupan asuransi
Entity controlled by parent entity Premium & cession receivable, insurance
premium
PT Kilang Pertamina Internasional Entitas yang dikendalikan oleh entitas induk Piutang premi dan sesi, utang klaim, penutupan
Entity controlled by parent entity asuransi
Premium and cession receivable, claim payable,
insurance premium
PT Kilang Pertamina Balikpapan Entitas yang dikendalikan oleh entitas induk Piutang premi dan sesi, penutupan asuransi
Entity controlled by parent entity Premium & cession receivable, insurance
premium
PT Geo Dipa Energi (Persero) Entitas yang dikendalikan oleh entitas induk Piutang premi dan sesi, penutupan asuransi
Entity controlled by parent entity Premium & cession receivable, insurance
premium
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
PT Freeport Indonesia Company Entitas berelasi dengan Pemerintah Piutang premi dan sesi, penutupan asuransi
Government - related entities Premium & cession receivable, insurance
premium
PT Prima Armada Raya Entitas yang dikendalikan oleh entitas induk Penutupan asuransi
Entity controlled by parent entity Insurance premium
PT Elnusa Petrofin Indonesia Entitas yang dikendalikan oleh entitas induk Piutang koasuransi, piutang reasuransi dan
Entity controlled by parent entity retrosesi, utang koasuransi, dan penutupan
asuransi
Coinsurance receivable, reinsurance and
retrocession receivable, coinsurance payable,
and insurance premium
PT Asuransi Jasa Indonesia Entitas berelasi dengan Pemerintah Piutang premi dan sesi, penutupan asuransi
Government - related entities Premium & cession receivable, insurance
premium
PT Rekayasa Industri Entitas berelasi dengan Pemerintah Piutang premi dan sesi, penutupan asuransi
Government - related entities Premium & cession receivable, insurance
premium
PT Asuransi Ekspor Indonesia (Asei) Entitas berelasi dengan Pemerintah Utang koasuransi, penutupan asuransi
Government - related entities Coinsurance payable, insurance premium
PT Asuransi Dharma Bangsa Entitas berelasi dengan Pemerintah Utang koasuransi, utang reasuransi, penutupan
Government - related entities asuransi
Coinsurance payable, reinsurance payable,
insurance premium
PT Asuransi Jasa Raharja Putra Entitas berelasi dengan Pemerintah Utang koasuransi, penutupan asuransi
Government - related entities Coinsurance payable, insurance premium
PT Reasuransi Indonesia Utama (Persero) Entitas berelasi dengan Pemerintah Piutang koasuransi, utang reasuransi, piutang
Government - related entities reasuransi dan retrosesi, penutupan asuransi
Coinsurance receivable, reinsurance payable,
reinsurance & retrocession receivable,
insurance premium
PT Asuransi Bringin Sejahtera Artamakmur Entitas berelasi dengan Pemerintah Utang koasuransi, penutupan asuransi
(BSAM) Government - related entities Coinsurance payable, insurance premium
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Pihak-pihak Berelasi Sifat Hubungan Sifat dari Transaksi
Related Parties Nature of Relationship Nature of Transaction
PT Asuransi Kredit Indonesia (Askrindo) Entitas berelasi dengan Pemerintah Utang koasuransi, penutupan asuransi
Government - related entities Coinsurance payable, insurance premium
PT Reasuransi Nasional Indonesia (Nasre) Entitas berelasi dengan Pemerintah Piutang reasuransi dan retrosesi, utang
Government - related entities reasuransi, penutupan asuransi
Reinsurance and retrocession receivable,
reinsurance payable, insurance premium
PT BRI Asuransi Indonesia Entitas berelasi dengan Pemerintah Utang klaim, piutang koasuransi, utang
Government - related entities koasuransi, penutupan asuransi
Claim payable, coinsurance receivable,
coinsurance payable, insurance premium
PT BRI Multifinance Indonesia Entitas berelasi dengan Pemerintah Obligasi, piutang premi dan sesi, utang
Government - related entities reasuransi, penutupan asuransi
Bonds, premium and cession receivable,
reinsurance payable, insurance premium
PT BNI Life Insurance Entitas berelasi dengan Pemerintah Utang klaim, penutupan asuransi
Government - related entities Claim payable, insurance premium
PT Taspen (Persero) Entitas berelasi dengan Pemerintah Utang klaim, penutupan asuransi
Government - related entities Claim payable, insurance premium
PT Asuransi Jiwa Inhealth Indonesia Entitas berelasi dengan Pemerintah Utang klaim, penutupan asuransi
Government - related entities Claim payable, insurance premium
PT Asuransi Jiwasraya (Persero) Entitas berelasi dengan Pemerintah Utang klaim, penutupan asuransi
Government - related entities Claim payable, insurance premium
PT Mandiri Utama Finance Entitas berelasi dengan Pemerintah Utang reasuransi, penutupan asuransi
Government - related entities Reinsurance payable, insurance premium
PT Bank Pembangunan Daerah Jawa Tengah Entitas berelasi dengan Pemerintah Kas dan setara kas, obligasi
Government - related entities Cash and cash equivalent, bonds
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
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
PT Bank Pembangunan Daerah Jawa Barat dan Entitas berelasi dengan Pemerintah Kas dan setara kas, deposito berjangka,
Banten Tbk Government - related entities obligasi, pinjaman diterima
Cash and cash equivalent, time deposits,
bonds, borrowings
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
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
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
PT Bank DKI Entitas berelasi dengan Pemerintah Kas dan setara kas, deposito berjangka
Government - related entities Cash and cash equivalent, time deposits
PT Bank Raya Indonesia Tbk Entitas berelasi dengan Pemerintah Deposito berjangka
Government - related entities Time deposits
PT Bank Pembangunan Daerah Jawa Timur Tbk Entitas berelasi dengan Pemerintah Deposito berjangka
Government - related entities Time deposits
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Pihak-pihak Berelasi Sifat Hubungan Sifat dari Transaksi
Related Parties Nature of Relationship Nature of Transaction
PT Telkom Indonesia (Persero) Tbk Entitas berelasi dengan Pemerintah Saham, obligasi
Government - related entities Shares, bonds
PT Aneka Tambang (Persero) Tbk Entitas berelasi dengan Pemerintah Saham
Government - related entities Shares
PT Wijaya Karya (Persero) Tbk Entitas berelasi dengan Pemerintah Saham
Government - related entities Shares
PT Semen Gresik (Persero) Tbk Entitas berelasi dengan Pemerintah Saham
Government - related entities Shares
PT Indocement Tunggal Prakarsa Tbk Entitas berelasi dengan Pemerintah Saham
Government - related entities Shares
PT Waskita Karya (Persero) Tbk Entitas berelasi dengan Pemerintah Saham, obligasi
Government - related entities Shares, bonds
PT Bukit Asam Tbk Entitas berelasi dengan Pemerintah Saham
Government - related entities Shares
PT Jasa Marga (Persero) Tbk Entitas berelasi dengan Pemerintah Saham, obligasi
Government - related entities Shares, bonds
PT Adhi Karya (Persero) Tbk Entitas berelasi dengan Pemerintah Saham
Government - related entities Shares
PT Wijaya Karya Beton Tbk Entitas berelasi dengan Pemerintah Saham
Government - related entities Shares
PT Timah Tbk Entitas berelasi dengan Pemerintah Saham, obligasi
Government - related entities Shares, bonds
PT Pembangunan Perumahan (Persero) Tbk Entitas berelasi dengan Pemerintah Saham
Government - related entities Shares
PT Waskita Beton Precast Tbk Entitas berelasi dengan Pemerintah Saham
Government - related entities Shares
PT Mayora Indah (Persero) Tbk Entitas berelasi dengan Pemerintah Obligasi
Government - related entities Bonds
PT Kereta Api Indonesia (Persero) Tbk Entitas berelasi dengan Pemerintah Obligasi
Government - related entities Bonds
PT Perusahaan Listrik Negara (Persero) Entitas berelasi dengan Pemerintah Obligasi
Government - related entities Bonds
PT Pupuk Indonesia (Persero) Entitas berelasi dengan Pemerintah Obligasi
Government - related entities Bonds
PT Sarana Multigriya Finansial (Persero) Entitas berelasi dengan Pemerintah Obligasi
Government - related entities Bonds
PT Marga Lingkar Jakarta Entitas berelasi dengan Pemerintah Obligasi
Government - related entities Bonds
PT Angkasa Pura II (Persero) Entitas berelasi dengan Pemerintah Obligasi
Government - related entities Bonds
PT Jasa Marga (Persero) Tbk Entitas berelasi dengan Pemerintah Saham
Government - related entities Shares
PT Bank Mandiri Taspen Entitas berelasi dengan Pemerintah Obligasi
Government - related entities Bonds
PT Bank Pembangunan Daerah Sumatera Utara Entitas berelasi dengan Pemerintah Obligasi
Government - related entities Bonds
PT Sarana Multi Infrastruktur Entitas berelasi dengan Pemerintah Obligasi
Government - related entities Bonds
PT Semen Indonesia (Persero) Tbk Entitas berelasi dengan Pemerintah Saham, obligasi
Government - related entities Shares, bonds
Perusahaan Umum Pembangunan Perumahan Entitas berelasi dengan Pemerintah Obligasi
Nasional Government - related entities Bonds
PT Pelabuhan Indonesia (Persero) Entitas berelasi dengan Pemerintah Obligasi
Government - related entities Bonds
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Pihak-pihak Berelasi Sifat Hubungan Sifat dari Transaksi
Related Parties Nature of Relationship Nature of Transaction
PT Permodalan Nasional Madani Entitas berelasi dengan Pemerintah Obligasi, reksa dana
Government - related entities Bonds, mutual fund
PT Bank Ekspor Impor Indonesia (Persero) Entitas berelasi dengan Pemerintah Obligasi
Government - related entities Bonds
PT Pegadaian (Persero) Entitas berelasi dengan Pemerintah Obligasi
Government - related entities Bonds
PT Bahana TCW Investment Management Entitas berelasi dengan Pemerintah Reksa dana
Government - related entities Mutual fund
PT Danareksa Investment Management Entitas berelasi dengan Pemerintah Reksa dana
Government - related entities Mutual fund
PT Pupuk Kalimantan Timur Entitas berelasi dengan Pemerintah Piutang premi dan sesi
Government - related entities Premium and cession receivable
PT Aneka Gas Industri Tbk 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
Realisasi Transaksi Pihak Berelasi Tahun 2023
Realization of Related Party Transactions in 2023
Informasi mengenai realisasi transaksi pihak berelasi yang Information regarding the fulfillment of related party
dilakukan oleh Perseroan sepanjang tahun 2023 dapat transactions carried out by Tugu Insurance throughout 2023
dilihat dalam Laporan Keuangan Konsolidasian terlampir can be seen in the Financial Statements attached to this
dalam Laporan Tahunan ini. Annual Report.
Pernyataan Direksi atas Kewajaran Transaksi dengan Pihak Berelasi
Board of Directors' Statement on the Fairness of Transactions with Related Parties
Tugu Insurance memastikan seluruh transaksi yang Tugu Insurance ensures that all transactions carried out with
dilakukan dengan pihak berelasi telah melalui prosedur related parties have gone through adequate procedures,
yang memadai, yakni Peraturan OJK No. 42/POJK.04/2020 namely Regulation of Financial Services Authority No.
tentang Transaksi Afiliasi dan Transaksi Benturan 42/POJK.04/2020 concerning Affiliate Transactions and
Kepentingan serta PSAK No. 7 tentang Pengungkapan Conflict of Interest Transactions and PSAK No. 7 concerning
Pihak-Pihak Berelasi dengan tetap memperhatikan prinsip- Disclosure of Related Parties while still paying attention to
prinsip kehati-hatian sesuai dengan praktik bisnis yang prudential principles in accordance with generally accepted
berlaku umum. business practices.
Direksi memastikan bahwa seluruh kegiatan transaksi The Board of Directors ensure that affiliated transactions are
afiliasi dilakukan sesuai dengan praktik bisnis yang berlaku carried out in accordance with generally accepted business
umum dan memenuhi prinsip transaksi yang wajar (arms’ practices and complying with the arms-length principle.
length principle).
Peran Dewan Komisaris dan Komite Audit
The Role of the Board of Commissioners and the Audit Committee
Dewan Komisaris dan Komite Audit telah melaksanakan The Board of Commissioners and the Audit Committee
perannya dalam melakukan prosedur yang memadai untuk have done their roles in implementing adequate procedures
memastikan bahwa transaksi afiliasi dilaksanakan sesuai to ensure that affiliated transactions are carried out in
dengan praktik bisnis yang berlaku umum antara lain accordance with generally accepted business practices,
dilakukan dengan memenuhi prinsip transaksi yang wajar among others, by complying with the arms-length principle.
(arms’ length principle).
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Perubahan Peraturan Perundang-undangan yang
Berdampak Signifikan terhadap Perusahaan
Amendment to Laws and Regulations with Significant Impact on the Company
Sepanjang tahun 2023 tidak terdapat perubahan Throughout 2023 there were no new regulations or changes
peraturan perundang-undangan yang berdampak signifikan in laws and regulations that have a significant impact on
terhadap Perseroan. the Company.
Perubahan Kebijakan Akuntansi dan Dampaknya
terhadap Laporan Keuangan
Changes in Accounting Policies and Their Impact on Financial Statements
DSAK-IAI telah menerbitkan beberapa standar baru, DSAK-IAI has issued several new standards, amendments
amandemen dan penyesuaian atas standar, serta and improvement to standards, and interpretations of the
interpretasi atas standar namun belum berlaku efektif untuk standards but not yet effective for the period beginning on 1
periode yang dimulai pada 1 Januari 2023. January 2023.
Efektif berlaku pada atau setelah tanggal 1 Januari 2024: Effective on or after 1 January 2024:
Amandemen atas standar yang berlaku efektif untuk periode Amendment to standards which effective for periods
yang dimulai pada atau setelah 1 Januari 2024, dengan beginning on or after 1 January 2024, with early adoption is
penerapan diri diperkenankan yaitu: permitted, are as follows:
• Amandemen PSAK 1: Penyajuan Laporan Keuangan • Amendments PSAK 1: Presentation of Financial
tentang Liabilitas Jangka Panjang Dengan Kovenan; Statements related to Non-Current Liabilities
• Amandemen PSAK 73: Liabilitas Sewa dalam Jual dan with Covenants;
Sewa - Balik; • Amendments PSAK 73: Lease Liability in a Sale
• Amandemen PSAK 2: Laporan Arus Kas dan PSAK 60: and Leaseback;
Instrumen Keuangan: Pengungkapan tentang pengaturan • Amendments PSAK 2: Statement of Cash Flows and
pembiayaan pemasok; PSAK 60: Financial Instrument: Disclosure regarding
• Revisi PSAK 101: Penyajian Laporan Keuangan Syariah; supplier finance agreement;
dan • Revised PSAK 101: Presentation of Shariah Financial
• Revisi PSAK 109: Akuntansi Zakat, Infak, dan Sedekah. Statements; and
• Revised PSAK 109: Accounting of Zakah, Infaq,
and Sadaqah.
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Efektif berlaku pada atau setelah tanggal 1 Januari 2025: Effective on or after 1 January 2025:
Standar baru dan amandemen atas standar yang New standard and amendment to standard which effective
berlaku efektif untuk periode yang dimulai pada atau for periods beginning on or after 1 January 2025, with early
setelah 1 Januari 2025, dengan penerapan dini yang adoption is permitted, are as follows:
diperkenankan yaitu: • PSAK 117: Insurance Contract; and
• PSAK 117: Kontrak Asuransi; dan • Amendments PSAK 117: Insurance Contract regarding
• Amendemen PSAK 117: Kontrak Asuransi tentang Initial Application of PSAK 117 and PSAK 71 –
Penerapan Awal PSAK 117 dan PSAK 71 - Informasi Comparative Information;
Komparatif; • Amendments PSAK 10: Foreign Exchange Rate regarding
• Amendemen PSAK 10: Pengaruh Perubahan Kurs Valuta lack of exchangeability.
Asing tentang kekurangan ketertukaran.
Beberapa PSAK juga diamendemen yang merupakan Several PSAKs were also amended which were consequential
amendemen konsekuensial karena berlakuknya PSAK 117: amendments due to the enactment of PSAK 117: Insurance
Kontrak Asuransi, yaitu: Contracts, as follows:
• PSAK 1: Penyajuan Laporan Keuangan; • PSAK 1: Presentation of Financial Statements;
• PSAK 2 : Laporan Arus Kas; • PSAK 2: Statement of Cash Flows;
• PSAK 13: Properti Investasi; • PSAK 13: Investment Property;
• PSAK 15: Investasi pada Entitas Asosiasi dan Ventura • PSAK 15: Investment in Associated Entities and
Bersama; Joint Ventures;
• PSAK 16: Aset Tetap; • PSAK 16: Fixed Assets;
• PSAK 19: Aset Takberwujud; • PSAK 19: Intangible Assets;
• PSAK 22: Kombinasi Bisnis; • PSAK 22: Business Combinations;
• PSAK 24: Imbalan Kerja; • PSAK 24: Employee Benefits;
• PSAK 48: Penurunan Nilai Aset; • PSAK 48: Impairment of Asset;
• PSAK 50: Instrumen Keuangan Penyajian; • PSAK 50: Financial Instruments: Presentation;
• PSAK 57: Provisi, Liabilitas Kontijensi dan • PSAK 57: Provisions, Contingent Liabilities and
Aset Kontijensi; Contingent Assets;
• PSAK 58: Aset Tidak Lancar yang Dikuasai untuk Dijual • PSAK 58: Non-Current Assets Held for Sale and
dan Operasi yang Dihentikan; Discontinued Operations;
• PSAK 60: Instrumen Keuangan: Pengungkapan; • PSAK 60: Financial Instruments: Disclosures;
• PSAK 71: Instrumen Keuangan; • PSAK 71: Financial Instruments;
• PSAK 72: Pendapatan dari Kontrak dengan Pelanggan. • PSAK 72: Income from Contracts with Customers.
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Komitmen terhadap Tata Kelola Perusahaan
1. Commitment to Corporate Governance
Tugu Insurance menempatkan tata kelola perusahaan Tugu Insurance views corporate governance as the
sebagai landasan bagi terbentuknya sistem, struktur, foundation for the formation of a system, structure,
serta budaya yang mengedepankan etika dan integritas and culture that prioritizes ethics and integrity in the
dalam pengelolaan Perseroan. Penerapan tata kelola management of the Company. The implementation of
perusahaan bertujuan untuk mendorong peningkatan kinerja, corporate governance aims to encourage performance
memberikan jaminan terpenuhinya hak-hak pemangku improvement, guarantee that stakeholder rights are
kepentingan (stakeholders), serta meningkatkan kepatuhan fullfiled, and increase compliance with applicable
terhadap peraturan perundang-undangan yang berlaku. laws and regulations. Consistently, the Company
Secara konsisten, Perseroan senantiasa memiliki komitmen always fully committed to implementing sustainable
penuh atas penerapan tata kelola perusahaan yang corporate governance and complying with standards and
berkesinambungan dan menaati standar serta peraturan statutory regulations.
perundang-undangan.
Penerapan tata kelola perusahaan di Tugu Insurance The implementation of corporate governance at Tugu
didasari oleh integritas yang kokoh sehingga prinsip-prinsip Insurance is based on strong integrity so that corporate
tata kelola perusahaan dapat dilaksanakan oleh seluruh governance principles can be implemented at all levels
tingkatan dan pada seluruh aktivitas Perseroan. Penerapan and in all Company activities. It is believed that the
prinsip tata kelola tersebut diyakini dapat berpengaruh pada implementation of these governance principles can influence
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kegiatan operasional Perseroan agar dapat berjalan secara the Company's operational activities so that it can run
konsisten dan berkesinambungan. consistently and sustainably.
Dewan Komisaris dan Direksi memegang peranan penting The Board of Commissioners and the Board of Directors
dalam penerapan tata kelola di lingkungan Perseroan. Oleh play a significant role in the implementation of governance
karena itu, seluruh jajaran Dewan Komisaris dan Direksi within the Company. Therefore, the Board of Commissioners
menandatangani dokumen Pakta Integritas secara rutin and Directors signs the Integrity Pact document annually.
setiap tahunnya. Pakta Integritas ini berisi pernyataan This Integrity Pact contains a statement regarding the
mengenai pemberlakuan Pedoman Sistematika Etika implementation of the Code of Conduct as a commitment
Usaha dan Tata Perilaku Perusahaan (Code of Conduct) to consistently implementing governance. In addition,
sebagai komitmen dalam mengimplementasikan tata kelola there is also a Conflict of Interest Integrity Pact and Anti-
secara konsisten. Selain itu terdapat juga Pakta Integritas Bribery Management System Integrity Pact to support the
Conflict of Interest dan Pakta Integritas Sistem Manajemen implementation of governance.
Anti Penyuapan (SMAP) sebagai dukungan pelaksanaan
tata kelola.
Selain Dewan Komisaris dan Direksi, seluruh Insan Tugu juga Not only the Board of Commissioners and the Board of
diwajibkan untuk menandatangani dokumen Pakta Integritas, Directors, all Tugu Personnel must sign the Integrity Pact
dalam rangka menegaskan komitmen tata kelola perusahaan document to confirm the corporate governance commitment
serta untuk memastikan ketaatan mereka terhadap to Tugu Personnel and ensure their adherence to corporate
praktik tata kelola perusahaan. Pakta Integritas ini berisi governance practices. This Integrity Pact contains a
pernyataan bahwa setiap Insan Tugu akan melaksanakan statement that each Tugu Personnel shall carry out their
tugas dan kewajiban sesuai dengan prinsip-prinsip tata duties and obligations following corporate governance
kelola perusahaan; memegang teguh prinsip-prinsip dasar principles; uphold the basic principles of corporate integrity,
integritas perusahaan, bertindak jujur, dapat dipercaya, act honestly, trustworthy, avoid conflicts of interest, and
menghindari konflik kepentingan, dan tidak menoleransi disapprove of bribery; be committed not to holding other
suap; tidak mempunyai jabatan lain pada Badan Usaha lain positions in other Business Entities that may cause a conflict
yang dapat menimbulkan benturan kepentingan dengan of interest with the Company; comply with the Company’s
Perusahaan; mematuhi pedoman-pedoman tata kelola corporate governance guidelines and will not take advantage
Perusahaan dan tidak akan memanfaatkan Perusahaan baik of the Company either directly or indirectly for personal,
secara langsung maupun tidak langsung untuk kepentingan family and or certain group interests. All Tugu Personnel
pribadi, keluarga dan atau golongan tertentu. Seluruh Insan implement the Integrity Pact consistently and responsibly.
Tugu melaksanakan Pakta Integritas secara konsisten dan They also perceive, read, understand, and recognize
bertanggung jawab serta mengetahui, membaca, memahami that violations of this Integrity Pact have consequences,
dan menyadari bahwa pelanggaran atas Pakta Integritas ini according to the applicable rules and regulations, in the
membawa konsekuensi sesuai peraturan dan perundangan effort to achieve good corporate governance. This Integrity
yang berlaku demi terciptanya tata kelola perusahaan yang Pact also applies to business partners who are directly or
baik. Pakta Integritas ini juga berlaku bagi pelaku-pelaku indirectly related to Tugu Insurance.
usaha yang berkaitan baik secara langsung maupun tidak
langsung dengan Tugu Insurance.
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Prinsip Tata Kelola Perusahaan
2. Principles of Corporate Governance
Tugu Insurance senantiasa melakukan evaluasi atas Tugu Insurance always evaluates the development of
perkembangan praktik tata kelola korporat sebagai komitmen corporate governance practices as a commitment to keep
untuk terus berinovasi dalam menyempurnakan penerapan innovating and improving governance implementation within
tata kelola di lingkup keorganisasian Perseroan. Perseroan the Company's organizational scope. The Company believes
mempercayai bahwa penerapan tata kelola Perusahaan that the implementation of corporate governance encourages
mendorong kekuatan dalam menghadapi setiap tantangan ke strength in addressing every challenge ahead and becomes
depan dan menjadi entitas usaha dengan kompetensi yang a business entity with competitive competencies. As stated
kompetitif. Sebagaimana tertuang dalam Peraturan Otoritas in the Financial Services Authority Regulation Number 73/
Jasa Keuangan Nomor 73/POJK.05/2016 tentang Tata POJK.05/2016 concerning Good Corporate Governance for
Kelola Perusahaan yang Baik bagi Perusahaan Perasuransian Insurance Companies in article 2 paragraph 2, the principles
pada pasal 2 ayat 2, prinsip Tata Kelola Perusahaan yang of Good Corporate Governance consist of TARIF elements
Baik terdiri dari elemen TARIF (transparency, accountability, (transparency, accountability, responsibility, independency,
responsibility, independency, fairness) dengan penjelasan fairness) with the following explanation:
sebagai berikut:
1. Keterbukaan (transparency),yaitu keterbukaan dalam 1. Transparency, being transparent in the decision-
proses pengambilan keputusan dan keterbukaan making process and in disclosing material and relevant
dalam pengungkapan dan penyediaan informasi yang information about the Insurance Companies, that is
relevan mengenai Perusahaan Perasuransian, yang easily accessible to stakeholders in accordance with
mudah diakses oleh pemangku kepentingan sesuai the provisions of laws and regulations in the field of
dengan ketentuan peraturan perundang-undangan di insurance as well as the standards, principles, and
bidang perasuransian serta standar, prinsip, dan praktik practices of organizing a healthy insurance business;
penyelenggaraan usaha perasuransian yang sehat; 2. Accountability, the clarity of functions and responsibility
2. Akuntabilitas (accountability), yaitu kejelasan fungsi implementation of the Insurance Company’s Organ so
dan pelaksanaan pertanggungjawaban Organ that the performance of the Insurance Company shall run
Perusahaan Perasuransian sehingga kinerja Perusahaan transparently, fairly, effectively, and efficiently;
Perasuransian, dapat berjalan secara transparan, wajar, 3. Responsibility, the suitability of the management of
efektif, dan efisien; the Insurance Company with the provisions of laws and
3. Pertanggungjawaban (responsibility), yaitu kesesuaian regulations in the field of insurance and ethical values as
pengelolaan Perusahaan Perasuransian dengan well as standards, principles, and practices of organizing
ketentuan peraturan perundang-undangan di bidang a sound insurance business;
perasuransian dan nilai-nilai etika serta standar, prinsip, 4. Independency, the state of an Insurance Company that
dan praktik penyelenggaraan usaha perasuransian is managed independently and professionally and free
yang sehat; from conflict of interest and influence or pressure from
4. Kemandirian (independency), yaitu keadaan Perusahaan any party that is not in accordance with the provisions of
Perasuransian yang dikelola secara mandiri dan laws and regulations in the field of insurance and ethical
profesional serta bebas dari benturan kepentingan dan values as well as standards, principles, and practices of
pengaruh atau tekanan dari pihak manapun yang tidak organizing a sound insurance business; and
sesuai dengan ketentuan peraturan perundang-undangan
di bidang perasuransian dan nilai-nilai etika serta
standar, prinsip, dan praktik penyelenggaraan usaha
perasuransian yang sehat; dan
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5. Kesetaraan dan kewajaran (fairness), yaitu kesetaraan, 5. Fairness, the equality, balance, and justice in fulfilling
keseimbangan, dan keadilan di dalam memenuhi hak- the rights of stakeholders which occur based on
hak pemangku kepentingan yang timbul berdasarkan agreements, provisions of laws and regulations in
perjanjian, ketentuan peraturan perundang-undangan the field of insurance, and ethical values as well as
di bidang perasuransian, dan nilai-nilai etika serta standards, principles, and practices of organizing a sound
standar, prinsip, dan praktik penyelenggaraan usaha insurance business.
perasuransian yang sehat.
Di sisi lain, prinsip TARIF dalam penerapan tata kelola juga On the other hand, the TARIF principle in implementing
tertuang dalam Peraturan Menteri Badan Usaha Milik Negara governance is also stipulated in the Regulation of the
Republik Indonesia Nomor Per-2/MBU/03/2023 Tentang Minister of State-Owned Enterprises of the Republic of
Pedoman Tata Kelola dan Kegiatan Korporasi Signifikan Indonesia Number Per-2/MBU/03/2023 concerning
Badan Usaha Milik Negara sesuai dengan pasal 3 ayat 2 Guidelines for Governance and Significant Corporate
sebagai berikut: Activities of State-Owned Enterprises in accordance with
1. Transparansi (transparency), yaitu keterbukaan dalam article 3 paragraph 2 as follows:
melaksanakan proses pengambilan keputusan dan 1. Transparency, being transparent in the decision-
keterbukaan dalam mengungkapkan informasi material making process and in disclosing material and relevant
dan relevan mengenai perusahaan; information about the company;
2. Akuntabilitas (accountability), yaitu kejelasan fungsi, 2. Accountability, the clarity of functions, implementation
pelaksanaan dan pertanggungjawaban Organ Persero/ and accountibility of Limited Liabilities Companies/Public
Organ Perum sehingga pengelolaan perusahaan Companies’ organs so that the company management
terlaksana secara efektif; shall run effectively;
3. Pertanggungjawaban (responsibility), yaitu kesesuaian 3. Responsibility, the suitability of the management of the
di dalam pengelolaan perusahaan terhadap ketentuan Company with the provisions of laws and regulations as
peraturan perundang-undangan dan prinsip korporasi well as sound corporate principles;
yang sehat; 4. Independency, the state that the company is managed
4. Kemandirian (independency), yaitu keadaan di mana professionally and free from conflict of interest and
perusahaan dikelola secara profesional tanpa benturan influence/pressure from any party that is not in
kepentingan dan pengaruh/tekanan dari pihak manapun accordance with the provisions of laws and regulations
yang tidak sesuai dengan ketentuan peraturan and sound corporate principles; and
perundang-undangan dan prinsip korporasi yang sehat; 5. Fairness, justice and equality in fulfilling the rights of
dan stakeholders arising under agreements and provisions of
5. Kewajaran (fairness), yaitu keadilan dan kesetaraan laws and regulations.
di dalam memenuhi hak pemangku kepentingan yang
timbul berdasarkan perjanjian dan ketentuan peraturan
perundang-undangan.
Prinsip tersebut menitikberatkan pada hubungan These principles emphasize the relationship between
pemangku kepentingan dan perusahaan yang berlandaskan stakeholders and the company based on ethics, a fair and
etika, proses pertanggungjawaban kinerja secara transparent performance accountability process, considering
wajar dan transparan, mempertimbangkan informasi material information as a decision-making consideration,
yang material sebagai pertimbangan pengambilan and conducting responsibilities towards society and the
keputusan, serta melaksanakan tanggung jawab terhadap environment to contribute to sustainable development.
masyarakat dan lingkungan agar berkontribusi pada
pembangunan berkelanjutan.
Hal ini selaras dengan Pedoman Umum Governansi Korporat This is aligned with the 2021 General Guidelines for
Indonesia (PUGKI) Tahun 2021 yang diterbitkan oleh Indonesian Corporate Governance (PUGKI) issued by the
Komite Nasional Kebijakan Governance (KKNG) sebagai National Committee on Governance Policy (KKNG) as a
bentuk aktualisasi dari prinsip Transparansi, Akuntabilitas, form of actualization of the principles of Transparency,
Tanggung Jawab, Kemandirian, dan Kewajaran (TARIF). PUGKI Accountability, Responsibility, Independence, and Fairness
2021 merupakan pemutakhiran dari PUGKI 2019 sebagai (TARIF). PUGKI 2021 is an update of PUGKI 2019 as a
pedoman bagi setiap korporasi dalam menyusun tata guideline for each corporation in preparing its internal
kelola internalnya. Penerapan prinsip tata kelola korporat governance. The implementation of corporate governance
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berlandaskan pada 4 (empat) pilar, yaitu Perilaku Beretika, principles is based on 4 (four) pillars, namely Ethical
Akuntabilitas, Transparan, dan Keberlanjutan. Sebagaimana Behavior, Accountability, Transparency, and Sustainability.
maksud dari penerapan PUGKI yaitu mendorong praktik As the purpose of PUGKI implementation is to encourage
tata kelola yang berstandar global dengan penciptaan global standard governance practices with the creation of
nilai korporasi yang berkelanjutan dalam jangka panjang, sustainable corporate value in the long term, then related
maka terkait dengan implementasi pedoman PUGKI, to the implementation of PUGKI guidelines, in general in
secara umum dalam menjalankan kegiatan operasional carrying out operational activities the Company has adopted
Perseroan telah mengadopsi pedoman PUGKI tersebut. the PUGKI guidelines. The adoption of PUGKI guidelines
Pengadopsian pedoman PUGKI di Perseroan dilakukan in the Company is gradual and continuous because the
secara bertahap dan berkesinambungan dikarenakan implementation needs to be carried out in substance and
penerapan perlu dilaksanakan secara substansi dan bukan not just a checklist approach. Thus, the implementation of
sekedar pendekatan daftar pengecekan (checklist). Dengan PUGKI guidelines is in the early stages of adoption through
demikian, implementasi pedoman PUGKI dalam tahap learning and understanding the principles, recommendations
awal pengadopsian melalui pembelajaran dan pemahaman and guidelines.
prinsip, rekomendasi dan panduan.
Penerapan dan Pemantauan Penerapan Tata Kelola Perusahaan
Implementation and Deployment Monitoring of Corporate Governance
Penerapan tata kelola perusahaan merupakan tanggung Corporate governance implementation is an obligation
jawab bersama yaitu seluruh Insan Tugu, dimana for all Tugu Personnel, with the main responsibilities
pengelolaannya di bawah koordinasi Direksi dan Dewan under the coordination of the Board of Directors and the
Komisaris. Dewan Komisaris bertanggung jawab atas Board of Commissioners. The Board of Commissioners’
pengawasan pelaksanaan tata kelola perusahaan dan responsibilities include monitoring the implementation
memantau kepatuhan Perseroan terhadap peraturan of corporate governance and monitoring the Company’s
perundang-undangan yang berlaku. Dalam melaksanakan compliance with prevailing laws and regulations. In
tugas dan tanggung jawab ini, Dewan Komisaris dibantu completing these duties and responsibilities, the Board
oleh Komite Audit, terutama dalam melakukan penelaahan of Commissioners is assisted by the Audit Committee,
atas kecukupan usaha manajemen dalam mendesain especially in reviewing the adequacy of management efforts
dan melaksanakan sistem pengendalian internal yang in designing and implementing an effective internal control
efektif; melakukan koordinasi dengan internal auditor system, coordinating with the internal auditor in carrying out
dalam pelaksanaan tugasnya; dan melakukan pemantauan their duties, and monitoring management effectiveness in
terhadap efektivitas manajemen dalam upaya penilaian efforts to assess and manage risk and compliance with laws
dan pengelolaan risiko serta kepatuhan terhadap peraturan and regulations.
perundang-undangan.
Di sisi lain, Direksi mempunyai fungsi Compliance di dalam Meanwhile, the Board of Directors has a Compliance
struktur organisasi perusahaan yaitu pada Direktorat Function in the Organizational Structure of the Company
Kepatuhan dan Manajemen Risiko. Fungsi Compliance under Directorate of Compliance and Risk Management. The
bertanggung jawab terhadap sosialisasi dan implementasi Compliance function is responsible for the dissemination
peraturan/kebijakan Panduan Umum Tata Kelola kepada and implementation of regulations/policies on General
seluruh Insan Tugu serta melakukan pemutakhiran/ Governance Guidelines for all Tugu Personnel, as well as
penyempurnaan secara berkala yang disesuaikan dengan periodic updates/enhancements, which are tailored to
perkembangan bisnis Perseroan. Fungsi Compliance the Company’s business development. The Compliance
juga mempunyai tanggung jawab untuk memantau dan function also has the responsibility to monitor and
menganalisa setiap kebijakan terbaru maupun best practices analyze every latest policy and best practices related
terkait penerapan tata kelola perusahaan dan mengkoordinir to the implementation of corporate governance and
pelaporan pelaksanaan tata kelola perusahaan dan coordinate implementation reporting as well as corporate
melakukan koordinasi kegiatan self-assessment tata kelola governance self-assessment activities in accordance with
perusahaan sesuai ketentuan yang berlaku. applicable regulations.
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Penilaian atas Implementasi Tata Kelola Perusahaan
Assessment of the Corporate Governance Implementation
Secara konsisten, Tugu Insurance melaksanakan penilaian Consistently, Tugu Insurance carries out assessments of
atas penerapan tata kelola perusahaan untuk mengetahui the corporate governance implementation to determine
tingkat kecukupan penerapannya. Hal ini sesuai dengan the adequacy level of its implementation. This is also
Peraturan Otoritas Jasa Keuangan (“OJK”) No. 73/ in accordance with the Financial Services Authority
POJK.05/2016 tentang Tata Kelola Perusahaan yang Baik (“OJK”) Regulation No. 73/POJK.05/2016 concerning
bagi Perusahaan Perasuransian sebagaimana telah diubah Good Corporate Governance for Insurance Companies
dengan POJK No. 43/POJK.05/2019 tentang Perubahan as amended by POJK No. 43/POJK.05/2019 concerning
atas POJK No. 73/POJK.05/2016 tentang Tata Kelola Amendments to POJK No. 73/POJK.05/2016 concerning
Perusahaan yang Baik bagi Perusahaan Perasuransian yang Good Corporate Governance for Insurance Companies
mengatur bahwa perusahaan perasuransian wajib melakukan which stipulates that insurance companies are required
penilaian sendiri (self-assessment) atas penerapan tata to conduct self-assessment on the implementation of
kelola perusahaan secara berkala dan Peraturan OJK corporate governance regularly and OJK Regulation No. 21/
No. 21/POJK.04/2015 tentang Pedoman Tata Kelola POJK.04/2015 concerning Governance Guidelines for Public
Perusahaan Terbuka. Tugu Insurance sebagai Perusahaan Companies. Tugu Insurance as a Public Company engaging
Terbuka yang bergerak di sektor perasuransian wajib untuk in the insurance sector is required to measure corporate
melakukan pengukuran terhadap penerapan tata kelola governance implementation through a self-assessment.
perusahaan yang dilakukan melalui self-assessment.
Tahapan dalam pelaksanaan self-assessment atas penerapan Self-assessment on the implementation of corporate
tata kelola perusahaan, antara lain: governance is conducted through the following stages:
1. Penilaian (assessment) oleh pihak eksternal yang 1. Assessment by an independent external party every 2
independen setiap 2 (dua) tahun sekali, yang proses (two) years, whose appointment process is in accordance
penunjukannya sesuai dengan kebijakan pengadaan with the policies for procurement of goods and services
barang dan jasa yang berlaku di Perseroan, dan applicable in the Company and is coordinated by the
dikoordinir oleh fungsi Compliance; Compliance Function;
2. Self-assessment setiap tahun oleh fungsi Compliance 2. Annual self-assessment by the Compliance function
dengan berpedoman pada ketentuan POJK; based on POJK provisions;
3. Evaluasi (review) oleh pihak internal yang dikoordinir 3. Evaluation (review) by internal parties coordinated by
oleh fungsi Compliance. Evaluasi ini merupakan Compliance function. This evaluation is a program
suatu program untuk mendeskripsikan tindak lanjut to describe the follow-up of the execution and
pelaksanaan dan penerapan tata kelola perusahaan implementation of corporate governance carried out in
yang dilakukan pada tahun berikutnya setelah penilaian the following year after the assessment.
(assessment).
Pelaksanaan self-assessment atas penerapan tata In 2023, self-assessment on the implementation of
kelola perusahaan pada tahun 2023 menunjuk penilai corporate governance was conducted by appointing an
independen yaitu: independent assessor as follows:
Jenis Penilaian Asesmen
Type of Assessment Assessment
Penilai PT Sinergi Daya Prima
Assessor
Periode Penilaian Tahun Buku 2021
Assessment Period 2021 Fiscal Year
Tempat Wisma Tugu I, Jl. H. R. Rasuna Said Kav. C8-9 Jakarta
Place
Waktu Terbit Penilaian 30 November 2022
Date of Report 30 November 2022
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Penilaian atas penerapan tata kelola perusahaan Self-assessment on the implementation of corporate
menggunakan parameter Kementerian BUMN sebagaimana governance is carried out using the parameters of the
ditetapkan dalam Surat Keputusan Sekretaris Menteri SOEs Ministry as stipulated in the Decree of the Secretary
Badan Usaha Milik Negara No. SK-16/S-MBU/2012 tanggal of the Minister for State-Owned Enterprises No. SK-16/S-
6 Juni 2012 tentang Indikator Penilaian dan Evaluasi atas MBU/2012 dated 6 June 2012 concerning Indicators
Penerapan Tata Kelola Perusahaan yang Baik pada Badan for Assessment and Evaluation of the Implementation of
Usaha Milik Negara, dengan aspek-aspek penilaian tata Good Corporate Governance in State Owned Enterprises,
kelola meliputi: the aspects of corporate governance assessment include
the following:
1. Komitmen terhadap Penerapan Tata Kelola Perusahaan 1. Commitment to the Sustainable Implementation of Good
yang Baik secara Berkelanjutan; Corporate Governance;
2. Pemegang Saham dan RUPS; 2. Shareholders and GMS;
3. Dewan Komisaris; 3. Board of Commissioners;
4. Direksi; 4. Board of Directors;
5. Pengungkapan Informasi dan Transparansi; 5. Information Disclosure and Transparency;
6. Aspek Lainnya. 6. Other Aspects.
Berdasarkan hasil penilaian tersebut, skor yang diperoleh Based on the assessment, the score obtained by Tugu
Tugu Insurance adalah sebesar 91,314 dari total nilai Insurance is 91.314 out of 100, equivalent to 91.31% and
maksimal sebesar 100 yang setara dengan 91,31% is considered “Very Good”. The result shows a increase
atau mencapai kualifikasi Sangat Baik. Hasil tersebut compared to the previous assessment score of 89.28%
mengalami peningkatan jika dibandingkan dengan skor tahun
sebelumnya yang mendapat skor sebesar 89,28%.
2021 2019
Nilai
Aspek Penilaian GCG Maksimal Skor Tingkat Skor Tingkat
GCG Assessment Aspects Maximum Capaian Pemenuhan Predikat Capaian Pemenuhan Predikat
Score Achieved Fulfillment Predicate Achieved Fulfillment Predicate
Score Rate Score Rate
Aspek I 7 6,456 92,23% Sangat Baik 6,152 87,88% Sangat Baik
Komitmen terhadap Penerapan Very Good Very Good
Tata Kelola Perusahaan yang Baik
Secara Berkelanjutan
Aspect I
Commitment to Sustainable
Implementation of Good
Corporate Governance
Aspek II 9 8,802 97,80% Sangat Baik 8,734 97,05% Sangat Baik
Pemegang Saham dan RUPS Very Good Very Good
Aspect II
Shareholders and GMS
Aspek III 35 30,839 88,11% Sangat Baik 30,207 86,30% Sangat Baik
Dewan Komisaris Very Good Very Good
Aspect III
Board of Commissioners
Aspek IV 35 32,411 92,60% Sangat Baik 31,711 90,60% Sangat Baik
Direksi Very Good Very Good
Aspect IV
Board of Directors
Aspek V 9 8,520 94,67% Sangat Baik 8,194 91,05% Sangat Baik
Pengungkapan Informasi dan Very Good Very Good
Transparansi
Aspect V Information Disclosure and
Transparency
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2021 2019
Nilai
Aspek Penilaian GCG Maksimal Skor Tingkat Skor Tingkat
GCG Assessment Aspects Maximum Capaian Pemenuhan Predikat Capaian Pemenuhan Predikat
Score Achieved Fulfillment Predicate Achieved Fulfillment Predicate
Score Rate Score Rate
Aspek VI 5 4,286 86,00% Sangat Baik 4,286 86,00% Sangat Baik
Aspek Lainnya Very Good Very Good
Aspect VI
Other Aspects
Jumlah 100 91,314 91,31% Sangat Baik 100 89,28% Sangat Baik
Total Very Good Very Good
Skor Penilaian Aspek Tata Kelola Perusahaan Tahun Buku 2021
Corporate Governance Aspects Assessment Score 2021
97,8
94,7
92,2 92,6
88,1
86
Aspek I Aspek II Aspek III Aspek IV Aspek V Aspek VI
Aspect I Aspect II Aspect III Aspect IV Aspect V Aspect VI
Periode Penilaian
Assessment Period
91,314
89,283
86,963
84,845
82,277
2013 2015 2017 2019 2021
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Struktur Organ Tata Kelola Perusahaan
3. Corporate Governance Organ Structure
Struktur tata kelola di Tugu Insurance terdiri dari organ The governance structure at Tugu Insurance consists of the
utama dan organ penunjang. Organ utama tata kelola yaitu main organs and supporting organs. The main organs for
Rapat Umum Pemegang Saham (RUPS), Dewan Komisaris, governance consist of the General Meeting of Shareholders
dan Direksi, sementara organ penunjang tata kelola antara (GMS), the Board of Commissioners, and the Board of
lain komite-komite di bawah Dewan Komisaris, Komite- Directors, while for supporting organs, including committees
komite di bawah Direksi, Sekretaris Perusahaan, Internal under the Board of Commissioners, committees under the
Audit, dan Tim Ad-Hoc untuk penanganan pekerjaan yang Board of Directors, Corporate Secretary, Internal Audit, and
bersifat lintas unit. Selain itu, terdapat juga Unit Kepatuhan the Ad-Hoc Team for handling cross-unit work. In addition,
dan Manajemen Risiko yang berada di bawah pengawasan the Company also has a Compliance and Risk Management
Direktur Kepatuhan & Manajemen Risiko serta fungsi/unit Unit under the supervision of the Compliance & Risk
lain sebagaimana struktur organisasi Perusahaan. Management Director and other functions/units within the
Company’s organizational structure.
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
Kepatuhan Manajemen Risiko
dan Remunerasi
Compliance Risk Management
Nomination and
Remuneration Committee
Fungsi/Unit Lain
Komite-Komite
sebagaimana Struktur
Committees
Sekretaris Dewan Organisasi
Komisaris Other Functions/Units
Komite Investasi as in the
Secretary of the Board of
Investment Committee Organization Structure
Commissioners
Komite Manajemen Risiko
Risk Management Committee
Komite Pengarah Teknologi
Informasi
Information Technology
Steering Committee
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Mekanisme Tata Kelola
Corporate Governance Mechanism
Mekanisme penerapan tata kelola perusahaan di Tugu Corporate governance implementation at Tugu Insurance
Insurance dilaksanakan dalam sebuah tatanan dimana refers to the mechanism where all governance organs have
seluruh organ tata kelola memiliki tanggung jawab tersendiri separate responsibilities while implementing corporate
namun tetap melaksanakan implementasi tata kelola governance in an integrated manner. Accordingly, the GMS
perusahaan secara terintegrasi. Berdasarkan mekanisme has the highest authority, while the Board of Commissioners
tersebut, RUPS memiliki kewenangan tertinggi, sedangkan is responsible for supervising and advising the Board of
Dewan Komisaris memiliki fungsi pengawasan dan Directors. In carrying out their duties, the three Main Organs
menasehati Direksi. Dalam menjalankan tugas-tugasnya, are given authority that has been regulated following the
ketiga Organ Utama tersebut memiliki kewenangan yang provisions of the legislation, the Company’s Articles of
telah diatur sesuai dengan ketentuan perundang-undangan, Association, and other provisions, as well as independence
Anggaran Dasar Perusahaan, dan ketentuan lainnya, in performing its functions for the benefit of the Company.
berikut independensi dalam melaksanakan fungsi untuk
kepentingan Perseroan.
Perseroan juga telah membuat sejumlah kebijakan yang The Company has also established several policies that
mengatur fungsi, tugas, tanggung jawab dan wewenang regulate functions, duties, responsibilities, and authorities
dari masing-masing organ tata kelola, serta mengatur pola of each governance organ, as well as regulate the working
hubungan antar organ, sehingga terjadi hubungan yang sehat relationship between organs, to create a harmonious
yang dilandasi prinsip saling menghormati masing-masing relationship based on the principle of mutual respect for
organ. Kebijakan dan prosedur yang dimiliki Perseroan each organ. The Company’s policies and procedures are
tersebut senantiasa ditinjau untuk memastikan kesesuaian constantly reviewed to ensure that it complies with the
dengan peraturan perundang-undangan yang berlaku dan applicable laws and regulations and meets the needs of the
kebutuhan Perseroan. Company.
Pedoman Tata Kelola Perusahaan yang Baik dan
Pedoman Sistematika Etika Usaha dan Tata Perilaku
Good Corporate Governance Guidelines and Systematic Guidelines for
Business Ethics and Code of Conduct
Setiap struktur tata kelola melaksanakan tugas dan Each part governance structure carries out its functions
fungsinya sesuai dengan peraturan perundang-undangan following prevailing laws and regulations and has been
yang berlaku dan dalam pelaksanaan tugasnya dilengkapi equipped with work guidelines as references/guidelines
dengan pedoman kerja yang merupakan rujukan/pedoman regarding the main tasks and work functions of each organ.
tentang tugas pokok dan fungsi kerja masing-masing The work guidelines are intended as supporting policies in
organ. Pedoman kerja tersebut ditujukan sebagai kebijakan the application of corporate governance (soft structure of
pendukung dalam penerapan tata kelola perusahaan (soft corporate governance) and a form of commitment to organ
structure tata kelola perusahaan) dan merupakan bentuk governance in improving discipline and responsibility based
komitmen bagi masing-masing organ dalam meningkatkan on corporate governance principles.
disiplin dan tanggung jawab berlandaskan prinsip tata kelola.
Selain sebagai pedoman kerja, soft structure tersebut In addition to the work guidelines, the soft structure also
juga terdiri dari panduan umum tata kelola yang berlaku consists of general governance guidelines that apply to all
untuk seluruh Insan Perseroan dan berlaku efektif menjadi Tugu Personnel and are effective to become management
kebijakan manajemen setelah dituangkan dalam Surat policies after they are stated in the Decree of the Board
Keputusan Direksi (SKD). Panduan umum tata kelola ini of Director (SKD). These general governance guidelines
antara lain terdiri dari Pedoman Tata Kelola Perusahaan include the Code of Corporate Governance (COCG) and the
(Code of Corporate Governance atau COCG) dan Pedoman Systematic Guidelines for Business Ethics and Code of
Sistematika Etika Usaha dan Tata Perilaku (Code of Conduct). Conduct. These two guidelines are regularly evaluated and
Kedua Pedoman ini senantiasa dievaluasi dan dimutakhirkan updated periodically to maintain compliance with changes to
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secara berkala untuk menjaga kesesuaiannya dengan the applicable laws and regulations and development of the
perubahan peraturan perundang-undangan yang berlaku dan Company’s business process.
perkembangan proses bisnis Perseroan.
Pedoman Tata Kelola Perusahaan pertama kali diberlakukan Code of Corporate Governance (COCG) first took effect
berdasarkan Surat Keputusan Direksi (SKD) No. 27/SKD/ based on the Decree of the Board of Director (SKD) No. 27/
CSG-TPI/IX/08 tanggal 18 September 2008, yang terakhir SKD/CSG-TPI/IX/08 dated 18 September 2008 and has
kali direvisi dengan Pedoman Tata Kelola Perusahaan been updated with Corporate Governance Guidelines No.
No. A-001/6500/2022 Revisi Ke-2. Pedoman tersebut A-001/6500/2022 2nd Revision. COCG serves as a guideline
adalah untuk memberikan arahan dalam pengelolaan to provide direction in managing the Company to:
Perseroan kepada:
1. Dewan Komisaris, Direksi; 1. Board of Commissioners, Directors;
2. Komite Penunjang Dewan Komisaris, dan Audit Intern; 2. Supporting Committees for the Board of Commissioners
dan and Internal Audit; and
3. Para Pemangku Kepentingan. 3. Stakeholders.
Pedoman Sistematika Etika Usaha dan Tata Perilaku pertama The Systematic Guidelines for Business Ethics and Code
kali disahkan berdasarkan Surat Keputusan Direksi (SKD) of Conduct was first ratified based on PT Tugu Pratama
PT Tugu Pratama Indonesia No. 03/SKD/CSG-TPI/I/2009 Indonesia’s Decree of the Board of Director (SKD) No. 03/
tanggal 15 Januari 2009, dan telah dimutakhirkan dengan SKD/CSGTPI/I/2009 dated 15 January 2009 and has
Pedoman No. A-003/9100/2017 Revisi Ke-1 Tanggal been updated with Guideline No. A-003/9100/2017 of
5 Desember 2017 yang diberlakukan dengan SKD No. 1st Revision Dated 5 December 2017, effective based on
007/SKD/CSG/TPI/II/2018 Tanggal 7 Februari 2018 Decree No. 007/SKD/CSG/TPI/II/2018 dated 7 February
dan telah dilakukan revitalisasi melalui Pedoman No. 2018 and has been revitalized through Guideline No.
A-003/6500/2021 Revisi Ke-2 Tanggal 25 Agustus 2021 A-003/6500/2021 of 2nd Revision Dated 25 August 2021
yang diberlakukan dengan SKD No. 67/SKD/06/ERL-ATPI/ which was effectively based on Decree of the Board of
IX/2021 Tanggal 28 September 2021 tentang Perubahan Directors No. 67/SKD/06/ERL-ATPI/ IX/2021 Dated 28
Pedoman Sistematika Etika Usaha dan Tata Perilaku (Code September 2021 regarding Changes in the Systematic
of Conduct atau CoC) PT Asuransi Tugu Pratama Indonesia Guidelines for Business Ethics and Code of Conduct (CoC)
Tbk. Pedoman Sistematika Etika Usaha dan Tata Perilaku of PT Asuransi Tugu Pratama Indonesia Tbk. The Systematic
merupakan acuan bagi Insan Tugu dalam mengelola Guidelines for Business Ethics and Code of Conduct serve
Perseroan guna mencapai visi, misi dan tujuan Perseroan. as a reference for Tugu Personnel in managing the Company
Tugu Insurance senantiasa berupaya menciptakan situasi to achieve the Company’s vision, mission and objectives.
yang kondusif untuk melaksanakan Pedoman Tata Kelola Tugu Insurance continuously strives to create a favorable
Perusahaan dan Pedoman Sistematika Etika Usaha dan situation to implement the COGC and the Systematic
Tata Perilaku. Guidelines for Business Ethics and Code of Conduct (CoC).
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3.A.
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Rapat Umum Pemegang Saham merupakan organ tata kelola As the highest organ of governance that has authority
tertinggi yang memiliki kewenangan yang tidak diberikan not given to the Board of Commissioners and the Board
kepada Dewan Komisaris dan Direksi dalam batas yang of Directors within limits determined by the Articles of
ditentukan oleh Anggaran Dasar dan peraturan perundang- Association and the prevailing laws and regulations, the
undangan yang berlaku. Rapat Umum Pemegang Saham General Meeting of Shareholders (GMS) has a vital role
(RUPS) memegang peran penting sebagai wadah bagi because it is a forum for shareholders to decide the
pemegang saham dalam memutuskan arah tujuan Perseroan direction of the Company’s objectives and appoint and/or
serta mengangkat dan/atau memberhentikan anggota dismiss members of the Board of Commissioners and the
Dewan Komisaris dan Direksi. Di samping itu, RUPS juga Board of Directors. In addition, the GMS also determines
menentukan hal-hal penting terkait dengan Perseroan yang essential matters related to the Company that need to
perlu mendapatkan persetujuan dari RUPS sesuai peraturan obtain approval from the GMS in accordance with prevailing
perundang-undangan yang berlaku dan/atau Anggaran Dasar. laws and regulations and/or the articles 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 the
dan Penyelenggaraan Rapat Umum Pemegang Saham Plan and Holding of the General Meeting of Shareholders
Perusahaan Terbuka; 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 Perusahaan the Holding of the Electronic General Meeting of
Terbuka Secara Elektronik; Shareholders of Public Companies;
4. Anggaran Dasar Perseroan. 4. The Company’s Articles of Association.
Jenis RUPS
Type of GMS
Perseroan memiliki 2 (dua) jenis RUPS, yaitu: The Company has two types of GMS:
1. RUPS Tahunan (RUPST) 1. Annual GMS (AGMS)
RUPST wajib diselenggarakan setiap tahun dalam jangka The AGMS must be held annually within a period of
waktu paling lambat 6 (enam) bulan setelah tahun buku no later than 6 (six) months after the fiscal year ends,
berakhir, kecuali dalam kondisi tertentu yang ditetapkan except in certain conditions stipulated by the Financial
oleh Otoritas Jasa Keuangan atau peraturan perundang- Services Authority or the applicable laws and regulations.
undangan yang berlaku. Hal-hal yang diputuskan dalam The AGMS resolves the following matters:
RUPST meliputi: a. Approval of the Company’s Annual Report, including
a. Persetujuan Laporan Tahunan Perseroan, termasuk the ratification of the Annual Financial Statements
pengesahan Laporan Keuangan Tahunan serta as well as the report on the supervisory duties of the
laporan tugas pengawasan Dewan Komisaris; Board of Commissioners;
b. Persetujuan penetapan penggunaan laba b. Approval to determine the appropriation of the
bersih Perseroan; Company’s net profit;
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c. Persetujuan penunjukan kantor akuntan publik; dan c. Approval of the appointment of a public accounting
d. Hal-hal lain yang memerlukan persetujuan RUPS firm; and
sesuai dengan ketentuan dalam Anggaran Dasar. d. Other matters require GMS approval in accordance
2. RUPS Luar Biasa (“RUPSLB”) with the provisions in the articles of association.
Perseroan dapat mengadakan RUPSLB yang 2. Extraordinary GMS (“EGMS”)
penyelenggaraannya dapat dilakukan sewaktu-waktu The Company may hold an EGMS at any time
sesuai dengan kebutuhan untuk kepentingan Perseroan. in accordance with the needs for the benefit of
the Company.
Informasi tentang Pelaksanaan RUPS di Tahun 2023
Information on GMS Implementation in 2023
Sepanjang tahun 2023, Perseroan telah menyelenggarakan Throughout 2023, The Company has held 1 AGMS on
1 kali RUPST pada 28 April 2023. RUPST diselenggarakan 28 April 2023. The AGMS are held physically or online
secara fisik maupun online (hybrid) dan dihadiri oleh (hybrid) and are attended by shareholders, the Board of
pemegang saham, Dewan Komisaris, Direksi, dan perwakilan Commissioners, Directors, and representatives from capital
dari lembaga/profesi penunjang pasar modal. market supporting institutions/professions.
Perseroan melaksanakan RUPST tersebut dengan The Company carries out the AGMS by fulfilling the
memenuhi prosedur yang telah diatur dengan melakukan procedures that have been regulated by providing
pemberitahuan, pengumuman, dan pemanggilan dengan notifications, announcements and summons with the
rincian sebagai berikut: following details:
Pengumuman
Pengumuman kepada Pemanggilan Ringkasan Risalah
Pemberitahuan kepada
Pemegang Saham Pemegang Saham Pelaksanaan RUPST
OJK
Announcement to the Invitation to the Implementation Announcement of the
Notification to OJK
Shareholders Shareholders Minutes Summary of
AGMS
7 Maret 2023 Pengumuman RUPST: 14 6 April 2023 28 April 2023 3 Mei 2023
7 March 2023 Maret 2023 6 April 2023 28 April 2023 3 May 2023
Pengumuman Perubahan
Jadwal RUPST: 29 Maret
2023
AGMS Announcement:
14 March 2023
Announcement of Changes
to the AGMS Schedule:
29 March 2023
Kehadiran Pemegang Saham dalam RUPST
Attendance of Shareholders in the AGMS
Keikutsertaan pemegang saham dalam RUPST Tahun 2023 Shareholders’ participation in the AGMS for Year 2023 was
dilakukan dengan mekanisme sebagai berikut: done by either:
1. Hadir dalam Rapat secara fisik; 1. Physically present at the meeting;
2. Hadir dalam Rapat secara elektronik melalui aplikasi 2. Attend the Meeting electronically via the eASY.KSEI
eASY.KSEI; atau application; or
3. Diwakili pihak lain dengan memberikan kuasa secara 3. Represented by another party by providing power of
elektronik melalui aplikasi eASY.KSEI atau memberikan attorney electronically via the eASY.KSEI application or
kuasa secara tertulis. providing power of attorney in writing.
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Mekanisme Pengambilan Keputusan
Decision-Making Mechanism
Pengambilan keputusan dalam RUPST dilakukan dengan The decision-making at the AGMS is made by deliberation
cara musyawarah untuk mufakat. Apabila musyawarah for consensus. If deliberation for consensus is not reached,
untuk mufakat tidak tercapai, maka dilakukan melalui then it is done through voting.
pemungutan suara.
Keterlibatan Pihak Independen dalam Penghitungan Suara
Involvement of Independent Parties in the Vote Counting
Pada pelaksanaan RUPST, Perseroan telah menunjuk In the AGMS, the Company appointed independent parties
pihak independen untuk melakukan penghitungan kuorum to calculate the Meeting quorum and take the voting, namely
kehadiran Rapat dan pengambilan suara, yaitu Notaris Notary Jose Dima Satria SH, MKn, Share Registrar, PT
Jose Dima Satria SH, MKn, dan Biro Administrasi Efek, PT Datindo Entrycom.
Datindo Entrycom.
Keputusan RUPST
Resolutions of 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 Dima Indonesia Tbk No. 122 dated 28 April 2023, made before
Satria SH, MKn. Notary Jose Dima Satria SH, MKn.
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.
Mata Acara Pertama Approval of the Annual Report for the 2022 Fiscal Year accompanied by Full Repayment and Release of
First Agenda 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 saham dari seluruh saham dengan hak dari seluruh saham dengan hak
dengan hak suara yang hadir dalam suara yang hadir dalam Rapat. suara yang hadir dalam Rapat.
Rapat.
479,520 votes or 0.0319223% of 35,200 votes or 0.0023433% of all
1,501,632,348 votes or all shares with voting rights present shares with voting rights present at
99.9657344% of all shares with at the Meeting. the Meeting.
voting rights present at the Meeting.
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Keputusan Rapat 1. Menyetujui Laporan Tahunan Perseroan termasuk Laporan Tugas Pengawasan Dewan Komisaris serta
Meeting Resolutions mengesahkan Laporan Keuangan Konsolidasian Perseroan untuk tahun buku yang berakhir 31 Desember
2022, yang tercermin dalam laporan posisi keuangan dan laporan laba rugi dan penghasilan komprehensif
lain Konsolidasian Perseroan beserta penjelasannya yang telah diaudit Kantor Akuntan Publik (KAP) Amir
Abadi Jusuf, Aryanto, Mawar & Rekan sesuai laporan Nomor: 00228/2.1030/AU.1/08/1298-1/1/III/2023
tanggal 28 Maret 2023 dengan pendapat “Wajar dalam semua hal yang material”.
2. Atas telah disetujuinya Laporan Tahunan Perseroan termasuk Laporan Tugas Dewan Komisaris dan
disahkannya Laporan Keuangan Konsolidasian Perseroan untuk Tahun Buku yang berakhir pada tanggal 31
Desember 2022 maka Rapat memberikan pelunasan dan pembebasan tanggung jawab sepenuhnya (volledig
acquit et de charge) kepada Direksi dan Dewan Komisaris atas tindakan pengurusan dan pengawasan yang
telah dijalankan selama Tahun Buku yang berakhir pada tanggal 31 Desember 2022, sepanjang:
a. Tindakan-tindakan tersebut tercermin dalam Laporan Tahunan Perseroan (termasuk Laporan Keuangan)
Tahun Buku yang berakhir Desember 2022.
b. Tindakan-tindakan tersebut bukan merupakan tindak pidana dan/atau perbuatan melawan hukum.
1. Approved the Company's Annual Report including the Board of Commissioners' Supervisory Duties Report
and ratified the Company's Consolidated Financial Report for the fiscal year ending 31 December 2022,
which is reflected in the Company's consolidated statement of financial position and income statement
and other comprehensive income along with its explanation which has been audited by the Accounting Firm
Public (KAP) Amir Abadi Jusuf, Aryanto, Mawar & Partners according to report Number: 00228/2.1030/
AU.1/08/1298-1/1/III/2023 dated 28 March 2023 with the opinion " Unqualified Opinion ".
2. Upon approval of the Company's Annual Report including the Board of Commissioners' Duties Report and
ratification of the Company's Consolidated Financial Report for the Fiscal Year ending 31 December 2022,
the Meeting granted full release and discharge of responsibility (volledig acquit et de charge) to the Board of
Directors and Board of Commissioners for management and supervision actions that have been carried out
during the Financial Year ending 31 December 2022, as long as:
a. These actions are reflected in the Company's Annual Report (including Financial Reports) for the Fiscal
Year ending December 2022.
b. These actions are not criminal acts and/or unlawful acts.
Tindak Lanjut/Realisasi Keputusan langsung berlaku efektif.
Follow-up/Realization The resolution is effective immediately.
2 Penetapan Penggunaan Laba Bersih Tahun Buku 2022.
Determination of the Use of Net Profit for the 2022 Fiscal Year.
Mata Acara Kedua
Second Agenda
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% dari 35.200 suara atau 0,0023433%
99,9975835% 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.
1,100 votes or 0.0000732% of all 35,200 votes or 0.0023433% of all
1,502,110,768 votes or shares with voting rights present at shares with voting rights present at
99.9975835% of all shares with the Meeting. the Meeting.
voting rights present at the Meeting.
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Keputusan Rapat 1. Menetapkan Penggunaan Laba Tahun Berjalan yang dapat diatribusikan kepada pemilik entitas induk
Meeting Resolutions Perseroan Tahun Buku yang berakhir 31 Desember 2022 sebesar Rp347.150.768.000,00 sebagai berikut:
a. Sebesar 40% dari Laba Tahun Berjalan yang dapat diatribusikan kepada pemilik entitas induk Perseroan
atau sebesar Rp138.860.307.200,00 sebagai dividen kepada Pemegang Saham sesuai dengan porsi
kepemilikan saham pada Perseroan dan dibayarkan secara tunai.
b. Sebesar 60% dari Laba Tahun Berjalan yang dapat diatribusikan kepada pemilik entitas induk Perseroan
atau sebesar Rp208.290.460.800,00 sebagai laba ditahan.
2. Memberikan kuasa dan wewenang kepada Direksi Perseroan untuk mengatur tata cara pembayaran dividen
tunai dimaksud selambat-lambatnya 30 hari setelah ditetapkan dalam RUPS Tahunan Perseroan ini.
1. Determined the use of current year profits attributable to the owners of the Company's parent entity for the
fiscal year ending 31 December 2022 amounting to IDR347,150,768,000.00 as follows:
a. 40% of Profit for the Year attributable to the equity holder of the Company's parent entity or
IDR138,860,307,200.00 as dividends to Shareholders in accordance with the portion of share
ownership in the Company and paid in cash.
b. 60% of Profit for the Year attributable to the equity holder of the Company's parent entity or
IDR208,290,460,800.00 as retained earnings.
2. Granted power and authority to the Company's Directors to regulate the procedures for paying cash dividends
no later than 30 days after being determined at the Company's Annual GMS.
Tindak Lanjut/Realisasi Selesai/terlaksana.
Follow-up/Realization Completed/realized.
3 Penunjukan Kantor Akuntan Publik (KAP) untuk Tahun Buku 2023.
Appointment of a Public Accounting Firm (KAP) for the 2023 Fiscal Year.
Mata Acara Ketiga
Third Agenda
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
1.501.126.304 suara atau 1.100 suara atau 0,0000732% dari 1.019.664 suara atau 0,0678804%
99,9320463% 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.
1,501,126,304 votes or 1,100 votes or 0.0000732% of all 1,019,664 votes or 0.0678804% of
99.9320463% of all shares with shares with voting rights present at all shares with voting rights present
voting rights present at the Meeting. the Meeting. at the Meeting.
Keputusan Rapat Memberikan pelimpahan kewenangan dan kuasa kepada Dewan Komisaris Perseroan untuk menetapkan Kantor
Meeting Resolutions Akuntan Publik (KAP) dalam melakukan pemeriksaan atas Laporan Keuangan Perseroan untuk tahun buku yang
berakhir pada tanggal 31 Desember 2023 berikut besaran nilai jasanya, sesuai ketentuan dan peraturan yang
berlaku, termasuk menunjuk KAP pengganti bilamana karena sebab apapun juga berdasarkan ketentuan pasar
modal di Indonesia apabila KAP yang ditunjuk tidak dapat melakukan tugasnya, dengan kriteria bahwa KAP
tersebut terdaftar di Otoritas Jasa Keuangan, dengan terlebih dahulu berkoordinasi kepada Pemegang Saham
Pengendali, dalam hal ini PT Pertamina (Persero).
Granted delegation of authority and power to the Company's Board of Commissioners to appoint a Public
Accounting Firm (KAP) to carry out audits of the Company's Financial Statements for the fiscal year ending 31
December 2023 along with the amount of its services, in accordance with applicable rules and regulations,
including appointing a replacement KAP if for whatever reason, based on capital market regulations in Indonesia,
the appointed KAP is unable to carry out its duties, with the criteria that the KAP is registered with the Financial
Services Authority, by first coordinating with the Controlling Shareholder, in this case 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.
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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).
Mata Acara Keempat Determination of Performance Awards (Tantiem) for 2022 for the Directors and Board of Commissioners, as well
Fourth Agenda 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% dari 35.200 suara atau 0,0023433%
99,9975835% 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.
1,502,110,768 votes or 1,100 votes or 0.0000732% of all 35,200 votes or 0.0023433% of all
99.9975835% of all shares with shares with voting rights present at shares with voting rights present at
voting rights present at the Meeting. the Meeting. the Meeting.
Keputusan Rapat 1. Tantiem
Meeting Resolutions Memberikan kuasa dan wewenang kepada Dewan Komisaris Perseroan dengan terlebih dahulu mendapat
persetujuan Pemegang Saham Perseroan yaitu PT Pertamina (Persero) sebagai Pemegang Saham pengendali
untuk menetapkan Tantiem bagi anggota Direksi dan Dewan Komisaris Perseroan untuk Tahun Buku 2022.
2. Remunerasi
Memberikan kuasa dan wewenang kepada Dewan Komisaris Perseroan dengan terlebih dahulu mendapat
persetujuan Pemegang Saham Perseroan yaitu PT Pertamina (Persero) sebagai Pemegang Saham pengendali
untuk menetapkan besarnya gaji/honorarium, tunjangan dan fasilitas bagi anggota Direksi, Dewan Komisaris
dan Dewan Pengawas Syariah untuk tahun 2023.
1. Tantiem
Grant power and authority to the Company's Board of Commissioners by first obtaining approval from the
Company's Shareholders, namely PT Pertamina (Persero) as the controlling Shareholder, to determine the
Tantiem for members of the Company's Board of Directors and Board of Commissioners for the 2022 Fiscal
Year.
2. Remuneration
Grant power and authority to the Company's Board of Commissioners by first obtaining approval from the
Company's Shareholders, namely PT Pertamina (Persero) as the controlling Shareholder, to determine the
amount of salary/remuneration, allowances and facilities for members of the Board of Directors, Board of
Commissioners and Sharia Supervisory Board for 2023.
Tindak Lanjut/Realisasi Keputusan langsung berlaku efektif.
Follow-up/Realization The resolution is effective immediately.
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5 Persetujuan Laporan Pertanggungjawaban Realisasi Penggunaan Dana Hasil Penawaran Umum.
Approval of the Accountability Report on the Realization of Use of Public Offering Proceeds.
Mata Acara Kelima
Fifth Agenda
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% dari 35.200 suara atau 0,0023433%
99,9975835% 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.
1,502,110,768 votes or 1,100 votes or 0.0000732% of all 35,200 votes or 0.0023433% of all
99.9975835% of all shares with shares with voting rights present at shares with voting rights present at
voting rights present at the Meeting. the Meeting. the Meeting.
Keputusan Rapat Menyetujui Laporan Pertanggungjawaban Realisasi Penggunaan Dana Hasil Penawaran Umum:
Meeting Resolutions 1. Seluruh dana yang telah diperoleh sebesar Rp684.444.530.000,00.
2. Jumlah biaya yang telah dikeluarkan dalam rangka pelaksanaan penawaran umum Rp25.742.358.837,00.
3. Dana yang telah direalisasikan dan peruntukannya sejumlah Rp586.091.519.814,10.
4. Dana yang masih tersisa Rp72.610.651.348,90 dan alasan belum terealisasikan adalah bahwa semua
kegiatan yang tercantum dalam prospektus dilakukan secara bertahap.
Approve the Accountability Report on the Realization of Use of Public Offering Proceeds:
1. All funds obtained amount to IDR684,444,530,000.00.
2. The total costs incurred in carrying out the public offering IDR25,742,358,837.00.
3. Funds that have been realized and their allocation amount to IDR586,091,519,814.10.
4. The remaining funds are IDR72,610,651,348.90 and the reason it has not been realized is that all activities
listed in the prospectus are carried out in stages.
Tindak Lanjut/Realisasi Keputusan langsung berlaku efektif.
Follow-up/Realization The resolution is effective immediately.
6 Pemberian Kuasa Kepada Dewan Komisaris Untuk Peningkatan Modal Dalam Rangka Pelaksanaan Program
Management Employee Stock Option Plan (MESOP).
Mata Acara Keenam Granting of Power to the Board of Commissioners to Increase Capital in the Context of Implementing the
Sixth Agenda 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% dari 5.390.767 suara atau 0,3588708%
99,6410560% 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.
1,496,755,201 votes or 1,100 votes or 0.0000732% of all 5,390,767 votes or 0.3588708% of
99.6410560% of all shares with shares with voting rights present at all shares with voting rights present
voting rights present at the Meeting. the Meeting. at the Meeting.
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Keputusan Rapat 1. Memberikan kewenangan kepada Dewan Komisaris untuk melakukan dan melaksanakan semua dan setiap
Meeting Resolutions tindakan atau perbuatan yang disyaratkan oleh peraturan perundang-undangan yang berlaku, Anggaran Dasar
Perseroan, atau yang dipandang perlu dalam rangka melaksanakan MESOP.
2. Memberikan kuasa kepada Direksi Perseroan dengan hak substitusi, untuk menyatakan dalam Akta Notaris
tersendiri untuk setiap adanya perubahan permodalan terkait MESOP, yang selanjutnya dilakukan tindakan-
tindakan yang disyaratkan oleh peraturan perundang-undangan yang berlaku.
1. Grant the authority to the Board of Commissioners to carry out and implement all and every action or deed
required by applicable laws and regulations, the Company’s Articles of Association, or as deemed necessary,
in order to implement the MESOP.
2. Grant the authority to the Company's Board of Directors with the right of substitution, to declare in a separate
Notarial Deed, any changes in capital related to the MESOP, after which the actions required by the applicable
laws and regulations are carried out.
Tindak Lanjut/Realisasi Selesai/terlaksana.
Follow-up/Realization Completed/realized.
7 Persetujuan Pemecahan Nilai Nominal Saham.
Approval of the Split of the Nominal Value of Stocks.
Mata Acara Ketujuh
Seventh Agenda
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% dari 35.200 suara atau 0,0023433%
99,9975835% 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
1,502,110,768 votes or 1,100 votes or 0.0000732% of all 35,200 votes or 0.0023433% of all
99.9975835% of all shares with shares with voting rights present at shares with voting rights present at
voting rights present at the Meeting. the Meeting. the Meeting.
Keputusan Rapat Menyetujui pemecahan nominal saham Perseroan (“Stock Split”) dengan rasio 1:2, sehingga nilai nominal saham
Meeting Resolutions Perseroan yang semula adalah Rp100,-/lembar saham akan menjadi Rp50,-/lembar saham.
Approved the split of the nominal shares of the Company ("Stock Split") with a ratio of 1:2, so that the nominal
value of the Company's shares which was originally IDR100,-/share will become IDR50,-/share.
Tindak Lanjut/Realisasi Selesai/terlaksana. Pemecahan saham TUGU efektif pada 24 Mei 2023.
Follow-up/Realization Completed/implemented. The stock split of TUGU is effective on 24 May 2023.
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8 Persetujuan Perubahaan Anggaran Dasar Perseroan.
Approval of Amendments to the Company's Articles of Association.
Mata Acara Kedelapan
Eighth Agenda
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% dari 35.200 suara atau 0,0023433%
99,9975835% 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.
1,502,110,768 votes or 1,100 votes or 0.0000732% of all 35,200 votes or 0.0023433% of all
99.9975835% of all shares with shares with voting rights present at shares with voting rights present at
voting rights present at the Meeting. the Meeting. the Meeting.
Keputusan Rapat 1. Menyetujui Perubahan Anggaran Dasar Pasal 4 ayat (1) dan ayat (2) Perseroan dalam rangka pemecahan nilai
Meeting Resolutions nominal saham Perseroan.
2. Menyetujui untuk menyusun kembali seluruh ketentuan dalam Anggaran Dasar sehubungan dengan
perubahan sebagaimana dimaksud dalam butir (1) keputusan tersebut di atas.
3. Memberikan kuasa dan wewenang kepada Direksi dengan hak substitusi untuk melakukan segala tindakan
yang diperlukan, berkaitan dengan keputusan mata acara Rapat ini, dan menyatakan kembali seluruh
perubahan Anggaran Dasar dalam akta Notaris, dan menyampaikan kepada instansi yang berwenang untuk
mendapatkan persetujuan dan/atau tanda penerimaan perubahan Anggaran Dasar.
1. Approved amendment to the Company's Articles of Association Article 4 paragraph (1) and paragraph (2) in
the context of splitting the nominal value of the Company's shares.
2. Agreed to re-arrange all provisions in the Articles of Association in connection with the changes as intended
in point (1) of the decision above.
3. Granted power and authority to the Board of Directors with the right of substitution to carry out all necessary
actions, relating to the decisions on the agenda of this Meeting, and restate all changes to the Articles of
Association in a Notarial deed, and submit them to the authorized agency to obtain approval and/or sign
acceptance of changes to the Articles of Association.
Tindak Lanjut/Realisasi Selesai/terlaksana.
Follow-up/Realization Completed/realized.
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9 Persetujuan Perubahan Susunan Pengurus.
Approval of Changes to the Composition of Management.
Mata Acara Kesembilan
Ninth Agenda
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
1.497.382.701 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.
1,497,382,701 votes or 1,100 votes or 0.0000732% of all 4,763,267 votes or 0.3170972% of
99.6828295% of all shares with shares with voting rights present at all shares with voting rights present
voting rights present at the Meeting. the Meeting. at the Meeting.
Keputusan Rapat 1. Menyetujui untuk memberhentikan dengan hormat Anggota Direksi, anggota Dewan Komisaris dan anggota
Meeting Resolutions Dewan Pengawas Syariah Perseroan yang berakhir masa jabatannya terhitung sejak ditutupnya Rapat Umum
Pemegang Saham ini, dengan ucapan terima kasih atas segala sumbangan tenaga dan pikiran yang diberikan
selama menjabat, sebagai berikut:
• Sdr. Adi Zakaria Afiff sebagai Komisaris Independen;
• Sdr. Jafril Khalil sebagai Ketua Dewan Pengawas Syariah;
• Sdr. Muhammad Maksum sebagai Dewan Pengawas Syariah;
• Sdr. Syaiful Azhar sebagai Direktur Teknik; dan
• Sdr. Budi P. Amir sebagai Direktur Kepatuhan & Manajemen Risiko.
2. Menyetujui Pengunduran diri Sdri. Amelia Kurniawan sebagai Komisaris Perseroan terhitung sejak ditutupnya
RUPS ini, dengan ucapan terima kasih atas segala sumbangan tenaga dan pikiran yang diberikan selama
menjabat sebagai Komisaris Perseroan.
3. Menyetujui pengangkatan kembali anggota Dewan Komisaris dan Direksi Perseroan terhitung sejak ditutupnya
RUPS ini sampai dengan penutupan RUPS Tahunan ke-3 (ketiga) pada akhir 1 (satu) periode masa jabatan
dimaksud dengan memperhatikan peraturan perundang-undangan di bidang Pasar Modal, namun demikian
tidak mengurangi hak RUPS untuk memberhentikan anggota Dewan Komisaris dan anggota Direksi tersebut
sewaktu-waktu sebelum masa jabatannya berakhir, sebagai berikut:
• Sdr. Poerwo Tjahjono sebagai Komisaris Independen; dan
• Sdr. Ery Widiatmoko sebagai Direktur Pemasaran Asuransi.
4. Mengusulkan pengangkatan Anggota Dewan Komisaris, Dewan Pengawas Syariah, dan Direksi terhitung
efektif sejak tanggal ditetapkannya Hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan
(OJK) dan berakhir pada penutupan RUPS Tahunan ke-3 (ketiga) pada akhir 1 (satu) periode masa jabatan
dimaksud dengan memperhatikan peraturan perundang-undangan di bidang Pasar Modal, namun demikian
tidak mengurangi hak RUPS untuk memberhentikan anggota Dewan Komisaris, Dewan Pengawas Syariah, dan
Direksi tersebut sewaktu–waktu sebelum masa jabatannya berakhir, sebagai berikut:
• Sdr. Samuel Lie sebagai Komisaris;
• Sdr. Tajudin Noor sebagai Komisaris Independen;
• Sdr. Muhammad Maksum sebagai Ketua Dewan Pengawas Syariah;
• Sdri. Siti Hannah sebagai Dewan Pengawas Syariah;
• Sdr. Sudarlin sebagai Direktur Teknik; dan
• Sdr. Edi Yoga Prasetyo sebagai Direktur Kepatuhan & Manajemen Risiko.
5. Dalam hal anggota Direksi, anggota Dewan Komisaris, dan anggota Dewan Pengawas Syariah yang diangkat
tersebut masih menjabat pada jabatan lain yang dilarang oleh peraturan perundang-undangan untuk
dirangkap dengan jabatan Direksi, anggota Dewan Komisaris dan anggota Dewan Pengawas Syariah, maka
yang bersangkutan harus mengundurkan diri atau diberhentikan dari jabatannya tersebut.
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6. Dengan adanya pengunduran diri, pengangkatan, dan pemberhentian anggota Direksi, anggota Dewan
Komisaris, dan anggota Dewan Pengawas Syariah di atas, maka susunan keanggotaan Direksi, Dewan
Komisaris, dan Dewan Pengawas Syariah PT Asuransi Tugu Pratama Indonesia Tbk menjadi sebagai berikut:
DEWAN KOMISARIS
Presiden Komisaris/Komisaris Independen : Dian Masyita
Komisaris : Samuel Lie*
Komisaris : Bagus Agung Rahadiansyah*
Komisaris Independen : Poerwo Tjahjono
Komisaris Independen : Tajudin Noor*
DEWAN PENGAWAS SYARIAH
Ketua : Muhammad Maksum
Anggota : Siti Hannah*
DIREKSI
Presiden Direktur : Tatang Nurhidayat
Direktur Teknis : Sudarlin*
Direktur Kepatuhan & Manajemen Risiko : Edi Yoga Prasetyo*
Direktur Keuangan & Layanan Korporat : Emil Hakim
Direktur Pemasaran Asuransi : Ery Widiatmoko
*) Menunggu penetapan hasil penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK)
Memberikan kuasa dengan hak substitusi kepada Direksi PT Asuransi Tugu Pratama Indonesia Tbk untuk
melakukan segala tindakan yang diperlukan berkaitan dengan keputusan Mata Acara ini sesuai dengan
peraturan perundang-undangan yang berlaku, termasuk untuk menyatakan dalam Akta Notaris tersendiri dan
memberitahukan perubahan susunan Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah PT Asuransi Tugu
Pratama Indonesia Tbk kepada Kementerian Hukum dan HAM.
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1. Approved to respectfully dismiss members of the Board of Directors, members of the Board of
Commissioners and members of the Company's Sharia Supervisory Board whose term of office ends as of
the closing of this General Meeting of Shareholders, with a gratitude for all the contributions of energy and
thoughts given during their tenure, to these following people:
• Mr. Adi Zakaria Afiff as Independent Commissioner;
• Mr. Jafril Khalil as Chairperson of the Sharia Supervisory Board;
• Mr. Muhammad Maksum as Sharia Supervisory Board;
• B Mr. Syaiful Azhar as Technical Director; and
• Mr. Budi P. Amir as Director of Compliance & Risk Management.
2. Approved the resignation of Ms. Amelia Kurniawan as Commissioner of the Company as of the closing of this
GMS, with a gratitude for all the contributions of energy and thoughts given while serving as Commissioner of
the Company.
3. Approved the re-appointment of members of the Board of Commissioners and Directors of the Company
starting from the closing of this GMS until the closing of the 3rd (third) Annual GMS at the end of 1 (one)
period of office in question, taking into account the laws and regulations in the Capital Market sector without
reducing the right of the GMS to dismiss members of the Board of Commissioners and members of the Board
of Directors at any time before their term of office ends:
• Mr. Poerwo Tjahjono as Independent Commissioner; and
• Mr. Ery Widiatmoko as Director of Insurance Marketing.
4. Proposed the appointment of members of the Board of Commissioners, Sharia Supervisory Board and Board
of Directors effective from the date of the Financial Services Authority (OJK) Fit and Proper Test Results
and ending at the closing of the 3rd (third) Annual GMS at the end of 1 (one) period. The said position takes
into account statutory regulations in the Capital Market sector, without reducing the GMS's right to dismiss
members of the Board of Commissioners, Sharia Supervisory Board and Directors at any time before their
term of office ends:
• Mr. Samuel Lie as Commissioner;
• Mr. Tajudin Noor as Independent Commissioner;
• Mr. Muhammad Maksum as Chairperson of the Sharia Supervisory Board;
• Ms. Siti Hannah as Sharia Supervisory Board;
• Mr. Sudarlin as Technical Director; and
• Mr. Edi Yoga Prasetyo as Director of Compliance & Risk Management.
5. In the event that the appointed members of the Board of Directors, members of the Board of Commissioners
and members of the Sharia Supervisory Board are still serving in other positions which are prohibited by
statutory regulations from concurrently holding the positions of Directors, then the members of the Board of
Commissioners and members of the Sharia Supervisory Board must resign or be dismissed from his position.
6. With the resignation, appointment and dismissal of members of the Board of Directors, members of the
Board of Commissioners and members of the Sharia Supervisory Board above, the membership composition
of the Board of Directors, Board of Commissioners and Sharia Supervisory Board of PT Asuransi Tugu
Pratama Indonesia Tbk will be as follows:
BOARD OF COMMISSIONERS
President Commissioner/Independent Commissioner : Dian Masyita
Commissioner : Samuel Lie*
Commissioner : Bagus Agung Rahadiansyah*
Independent Commissioner : Poerwo Tjahjono
Independent Commissioner : Tajudin Noor*
SHARIA SUPERVISORY BOARD
Chairman : Muhammad Maksum
Member : Siti Hannah*
BOARD OF DIRECTORS
President Director : Tatang Nurhidayat
Technical Director : Sudarlin*
Compliance & Risk Management Director : Edi Yoga Prasetyo*
Finance & Corporate Service Director : Emil Hakim
Insurance Marketing Director : Ery Widiatmoko
*) Waiting for the results of the Financial Services Authority (OJK) Fit and Proper Test to be determined
Granted authority with the right of substitution to the Directors of PT Asuransi Tugu Pratama Indonesia Tbk to
carry out all necessary actions related to the decisions on this Agenda in accordance with applicable laws and
regulations, including to declare in a separate Notarial Deed, and notify changes in the composition of the Board
of Directors, Board of Commissioners, and the Sharia Supervisory Board of PT Asuransi Tugu Pratama Indonesia
Tbk to the Ministry of Law and Human Rights.
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Tindak Lanjut/Realisasi Sdr. Bagus Agung Rahadiansyah dinyatakan memenuhi persyaratan untuk menjadi Komisaris Perseroan oleh OJK
Follow-up/Realization pada tanggal 23 Juni 2023, sehingga pengangkatan Sdr. Bagus Agung Rahadiansyah sebagai Komisaris terhitung
efektif sejak 23 Juni 2023 yang dituangkan dalam Akta Pernyataan Keputusan Rapat No. 118 tanggal 25 Juli
2023 yang dibuat di hadapan notaris Jose Dima Satria, SH, MKn.
Sdr. Sudarlin dinyatakan memenuhi persyaratan untuk menjadi Direktur Teknik Perseroan oleh OJK pada tanggal
30 Oktober 2023, sehingga pengangkatan Sdr. Sudarlin sebagai Direktur Teknik terhitung efektif sejak 30 Oktober
2023 yang dituangkan dalam Akta Pernyataan Keputusan Rapat No. 55 tanggal 9 November 2023 dibuat di
hadapan notaris Jose Dima Satria, SH, MKn.
Sdr. Samuel Lie/Samuel Ramna dinyatakan memenuhi persyaratan untuk menjadi Komisaris Perseroan oleh OJK
pada tanggal 4 Desember 2023, sehingga pengangkatan Sdr. Samuel Lie/Samuel Ramna sebagai Komisaris
terhitung efektif sejak 4 Desember 2023, yang dituangkan dalam Akta Pernyataan Keputusan Rapat No. 49
tanggal 11 Januari 2024 dibuat di hadapan notaris Jose Dima Satria, SH, MKn.
Sdr. Edi Yoga Prasetyo dinyatakan memenuhi persyaratan untuk menjadi Direktur Kepatuhan & Manajemen Risiko
Perseroan oleh OJK pada tanggal 18 Januari 2024, sehingga pengangkatan Sdr. Edi Yoga Prasetyo sebagai
Direktur Kepatuhan & Manajemen Risiko terhitung efektif sejak 18 Januari 2024, yang dituangkan dalam Akta
Pernyataan Keputusan Rapat No. 1 tanggal 1 Februari 2024 dibuat di hadapan notaris Jose Dima Satria, SH,
MKn.
Sdr. Tajudin Noor dinyatakan memenuhi persyaratan untuk menjadi Komisaris Independen Perseroan oleh OJK
pada tanggal 18 Januari 2024, sehingga pengangkatan Tajudin Noor sebagai Komisaris Independen terhitung
efektif sejak 18 Januari 2024, yang dituangkan dalam Akta Pernyataan Keputusan Rapat No. 1 tanggal 1 Februari
2024 dibuat di hadapan notaris Jose Dima Satria, SH, MKn.
Sdri. Siti Hannah dinyatakan memenuhi persyaratan untuk menjadi anggota Dewan Pengawas Syariah Perseroan
oleh OJK pada tanggal 17 Januari 2024, sehingga pengangkatan Siti Hannah sebagai anggota Dewan Pengawas
Syariah terhitung efektif sejak 17 Januari 2024 yang dituangkan dalam Akta Pernyataan Keputusan Rapat No. 1
tanggal 1 Februari 2024 dibuat di hadapan notaris Jose Dima Satria, SH, MKn.
Mr. Bagus Agung Rahadiansyah was declared to have met the requirements to become a Company Commissioner
by the OJK on 23 June 2023, so the appointment of Mr. Bagus Agung Rahadiansyah as Commissioner is effective
from 23 June 2023 as stated in the Deed of Meeting Decision Statement No. 118 dated 25 July 2023 made
before notary Jose Dima Satria, SH, MKn.
Mr. Sudarlin was declared to have fulfilled the requirements to become the Company's Technical Director by the
OJK on 30 October 2023, so the appointment of Mr. Sudarlin as Technical Director is effective from 30 October
2023 as stated in the Deed of Meeting Decision Statement No. 55 dated 9 November 2023 made before notary
Jose Dima Satria, SH, MKn.
Mr. Samuel Lie/Samuel Ramna was declared to have met the requirements to become a Company Commissioner
by the OJK on 4 December 2023, thus the appointment of Mr. Samuel Lie/Samuel Ramna as Commissioner is
effective as of 4 December 2023, as set forth in Deed of Meeting Resolution No. 49 dated 11 January 2024
made before notary Jose Dima Satria, SH, MKn.
Mr. Edi Yoga Prasetyo was determined to be qualified to become the Company's Compliance & Risk Management
Director by OJK on 18 January 2024, thus the appointment of Mr. Edi Yoga Prasetyo as Director of Compliance &
Risk Management is effective as of 18 January 2024, as stated in the Deed of Meeting Resolution No. 1 dated 1
February 2024 made before notary Jose Dima Satria, SH, MKn.
Mr. Tajudin Noor was determined to be qualified to become Independent Commissioner of the Company by OJK on
18 January 2024, and thus the appointment of Mr. Tajudin Noor as Independent Commissioner is effective from
18 January 2024, as stated in the Deed of Meeting Resolution No. 1 dated 1 February 2024 made before notary
Jose Dima Satria, SH, MKn.
Mrs. Siti Hannah was determined to be qualified to become a member of the Company's Sharia Supervisory
Board by OJK on 17 January 2024, thus Siti Hannah's appointment as a member of the Sharia Supervisory Board
was effective from 17 January 2024 as stated in the Deed of Meeting Resolution No. 1 dated 1 February 2024
made before notary Jose Dima Satria, SH, MKn.
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 223
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Informasi tentang Keputusan RUPST Sebelumnya dan Realisasinya
Information on Resolution and Realization of Prior AGMS
Keputusan RUPST Tahun untuk Buku 2022 dituangkan The resolutions of the AGMS for the 2022 Fiscal Year are
dalam Berita Acara RUPS Tahunan PT Asuransi Tugu Pratama stated in the Minutes of the Annual GMS of PT Asuransi Tugu
Indonesia Tbk No. 51 tanggal 17 Mei 2022 dari Notaris Jose Pratama Indonesia Tbk No. 51 dated 17 May 2022 from
Dima Satria, S.H, M.Kn. di Jakarta. Notary Jose Dima Satria, S.H, M.Kn., Notary in Jakarta.
1 Persetujuan Laporan Tahunan Tahun Buku 2021 Perseroan disertai pemberian pelunasan dan pembebasan
tanggung jawab sepenuhnya (volledig acquit et decharge) kepada Direksi dan Dewan Komisaris Perseroan.
Mata Acara Pertama Approval of the Company's 2021 Fiscal Year Annual Report complemented by the granting of full settlement and
First Agenda discharge (volledig acquit et decharge) to the Company's Board of 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
1.416.125.200 suara atau 121.600 suara atau 0,0085858% 47.200 suara atau 0,0033326%
99,9880816% dari seluruh saham dari seluruh saham dengan hak dari seluruh saham dengan hak
dengan hak suara yang hadir dalam suara yang hadir dalam Rapat. suara yang hadir dalam Rapat.
Rapat.
1,416,125,200 votes or 121,600 votes or 0.0085858% 47,200 votes or 0.0033326% of all
99.9880816% of all shares with of all shares with voting rights shares with voting rights attended
voting rights attended the Meeting. attended the Meeting. the Meeting.
Keputusan Rapat 1. Menyetujui Laporan Tahunan Perseroan termasuk Laporan Tugas Pengawasan Dewan Komisaris serta
Meeting Resolutions mengesahkan Laporan Keuangan Konsolidasian Perseroan untuk tahun buku yang berakhir 31 Desember
2021, yang tercermin dalam laporan posisi keuangan dan laporan laba rugi dan penghasilan komprehensif
lain konsolidasian Perseroan beserta penjelasannya yang telah diaudit oleh Kantor Akuntan Publik
(KAP) Purwantono, Sungkoro & Surja (firma anggota Ernst & Young Global Limited) sesuai laporan No.
01170/2.1032/AU.1/08/0240-3/1/V/2022 tanggal 9 Mei 2022 dengan pendapat “Wajar dalam semua hal
yang material”.
2. Atas telah disetujuinya Laporan Tahunan Perseroan termasuk Laporan Tugas Dewan Komisaris dan
disahkannya Laporan Keuangan Konsolidasian Perseroan untuk tahun buku yang berakhir pada tanggal 31
Desember 2021 maka Rapat memberikan pelunasan dan pembebasan tanggung jawab sepenuhnya (volledig
acquit et de charge) kepada Direksi dan Dewan Komisaris atas tindakan pengurusan dan pengawasan yang
telah dilakukan dalam tahun buku yang berakhir tanggal 31 Desember 2021 sepanjang:
a. Tindakan-tindakan tersebut tercermin dalam Laporan Tahunan Perseroan (termasuk Laporan Keuangan)
tahun buku yang berakhir 31 Desember 2021.
b. Tindakan-tindakan tersebut bukan merupakan tindak pidana dan/atau perbuatan melawan hukum.
1. Approve the Company’s Annual Report including the Supervisory Report of the Board of Commissioners and
ratified the Company’s Consolidated Financial Statements for the fiscal year ending on 31 December 2021,
which are reflected in the statement of financial position and the consolidated statements of profit and loss
and other comprehensive income of the Company and its explanations which have been audited by the Public
Accounting Firm (KAP) of Purwantono, Sungkoro & Surja in accordance with report No. 01170/2.1032/
AU.1/08/0240-3/1/V/2022 dated 9 May 2022 with the opinion “Unqualified Opinion”.
2. Upon the approval of the Company's Annual Report including the Duties Report of the Board of
Commissioners and the ratification of the Company's Consolidated Financial Statements for the fiscal year
ending on 31 December 2021, the Meeting granted full discharge of responsibilities (volledig acquit et de
charge) to the Board of Directors and the Board of Commissioners for management and supervision actions
that have been carried out during the fiscal year ending on 31 December 2021, to the extent:
a. That such actions are reflected in the Annual Report of the Company (including Financial Statements) for
the fiscal year ending on 31 December 2021.
b. That such actions are not criminal acts and/or unlawful acts.
Tindak Lanjut/Realisasi Keputusan langsung berlaku efektif.
Follow-up/Realization The resolution is effective immediately.
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2 Penetapan Penggunaan Laba Bersih Tahun Buku 2021.
Determination of the Appropriation of 2021 Net Profit.
Mata Acara Kedua
Second Agenda
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
1.416.125.200 suara atau 121.600 suara atau 0,0085858% 47.200 suara atau 0,0033326%
99,9880816% dari seluruh saham dari seluruh saham dengan hak dari seluruh saham dengan hak
dengan hak suara yang hadir dalam suara yang hadir dalam Rapat. suara yang hadir dalam Rapat.
Rapat.
1,416,125,200 votes or 121,600 votes or 0.0085858% 47,200 votes or 0.0033326% of all
99.9880816% of all shares with of all shares with voting rights shares with voting rights attended
voting rights attended the Meeting. attended the Meeting. the Meeting.
Keputusan Rapat 1. Menetapkan penggunaan laba tahun berjalan yang dapat diatribusikan kepada pemilik entitas induk
Meeting Resolutions Perseroan tahun buku yang berakhir 31 Desember 2021 sebesar Rp316.480.351.664,- sebagai berikut:
a. Sebesar 40% dari laba tahun berjalan yang dapat diatribusikan kepada pemilik entitas induk Perseroan
atau sebesar Rp126.592.140.666,- sebagai dividen kepada pemegang saham sesuai dengan porsi
kepemilikan saham pada Perseroan dan dibayarkan secara tunai.
b. Sebesar 60% dari laba tahun berjalan yang dapat diatribusikan kepada pemilik entitas induk Perseroan
atau sebesar Rp189.888.210.998,- sebagai laba ditahan.
2. Memberikan kuasa dan wewenang kepada Direksi Perseroan untuk mengatur tata cara pembayaran dividen
tunai dimaksud selambat-lambatnya 30 hari setelah ditetapkan dalam RUPS Tahunan Perseroan ini.
1. Determine the use of income for the year attributable to equity holder of the Company’s parent entity for the
fiscal year ending on 31 December 2021 totalling IDR316,480,351,664 as follows:
a. 40% of the income for the year attributable to equity holder of the Company’s parent entity or
IDR126,592,140,666 as dividends to shareholders in accordance with the portion of share ownership in
the Company and paid in cash.
b. 60% of income for the year attributable to equity holder of the Company’s parent entity or
IDR189,888,210,998 as retained earnings.
2. Grant the power and authority to the Board of Directors of the Company to regulate the procedure for the
payment of the cash dividends in question no later than 30 days after being determined in this Annual GMS
of the Company.
Tindak Lanjut/Realisasi Selesai/terlaksana.
Follow-up/Realization Completed/realized.
3 Penunjukan Kantor Akuntan Publik (KAP) Perseroan untuk tahun buku 2022.
Appointment of the Company's Public Accounting Firm (KAP) for the 2022 fiscal year.
Mata Acara Ketiga
Third Agenda
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
1.416.125.200 suara atau 121.600 suara atau 0,0085858% 47.200 suara atau 0,0033326%
99,9880816% dari seluruh saham dari seluruh saham dengan hak dari seluruh saham dengan hak
dengan hak suara yang hadir dalam suara yang hadir dalam Rapat. suara yang hadir dalam Rapat.
Rapat.
1,416,125,200 votes or 121,600 votes or 0.0085858% 47,200 votes or 0.0033326% of all
99.9880816% of all shares with of all shares with voting rights shares with voting rights attended
voting rights attended the Meeting. attended the Meeting. the Meeting.
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Keputusan Rapat Memberikan pelimpahan kewenangan dan kuasa kepada Dewan Komisaris Perseroan untuk menetapkan Kantor
Meeting Resolutions Akuntan Publik (KAP) dalam melakukan pemeriksaan atas Laporan Keuangan Perseroan untuk tahun buku yang
berakhir pada tanggal 31 Desember 2022 berikut besaran nilai jasanya, sesuai ketentuan dan peraturan yang
berlaku, termasuk menunjuk KAP pengganti bilamana karena sebab apapun juga berdasarkan ketentuan pasar
modal di Indonesia apabila KAP yang ditunjuk tidak dapat melakukan tugasnya, dengan kriteria bahwa KAP
tersebut terdaftar di Otoritas Jasa Keuangan, dengan terlebih dahulu mengkomunikasikan kepada Pemegang
Saham Pengendali, dalam hal ini PT Pertamina (Persero).
Grant the authority and power to the Company’s Board of Commissioners to appoint a Public Accounting Firm
(KAP) to conduct an audit of the Company's Financial Statements for the financial year ending on 31 December
2022, along with the amount of its services fee, following applicable rules and regulations, including appointing a
replacement KAP if for any reason based on the provisions of the capital market in Indonesia, the appointed KAP
is unable to carry out its duties, with the criteria that the KAP is registered in Financial Services Authority, by first
communicating to the Controlling Shareholder, in this case, PT Pertamina (Persero).
Tindak Lanjut/Realisasi Terlaksana dengan penunjukkan KAP Amir Abadi Jusuf, Aryanto, Mawar & Rekan sesuai ketentuan dan Peraturan
Follow-up/Realization Perundangan yang berlaku.
Implemented with the appointment of KAP Amir Abadi Jusuf, Aryanto, Mawar & Rekan in accordance with the
provisions and prevailing laws and regulations.
4 Penetapan penghargaan atas kinerja (tantiem) tahun 2021 kepada Direksi dan Dewan Komisaris, serta
penetapan remunerasi tahun 2022 kepada Direksi, Dewan Komisaris, dan Dewan Pengawas Syariah (DPS).
Mata Acara Keempat Determination of the 2021 reward for performance (tantiem) for the Board of Directors and the Board of
Fourth Agenda Commissioners, as well as the determination of the 2022 remuneration for the Board of Directors, the Board of
Commissioners, and the 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
1.416.125.200 suara atau 121.600 suara atau 0,0085858% 47.200 suara atau 0,0033326%
99,9880816% dari seluruh saham dari seluruh saham dengan hak dari seluruh saham dengan hak
dengan hak suara yang hadir dalam suara yang hadir dalam Rapat. suara yang hadir dalam Rapat.
Rapat.
1,416,125,200 votes or 121,600 votes or 0.0085858% 47,200 votes or 0.0033326% of all
99.9880816% of all shares with of all shares with voting rights shares with voting rights attended
voting rights attended the Meeting. attended the Meeting. the Meeting.
Keputusan Rapat 1. Tantiem
Meeting Resolutions Memberikan kuasa dan wewenang kepada Dewan Komisaris Perseroan dengan terlebih dahulu mendapat
persetujuan Pemegang Saham Perseroan yaitu PT PERTAMINA (PERSERO) sebagai pemegang saham
pengendali untuk menetapkan tantiem bagi anggota Direksi dan Dewan Komisaris Perseroan untuk tahun
buku 2021.
2. Remunerasi
Memberikan kuasa dan wewenang kepada Dewan Komisaris Perseroan dengan terlebih dahulu mendapat
persetujuan pemegang saham Perseroan yaitu PT PERTAMINA (Persero) sebagai pemegang saham pengendali
untuk menetapkan besarnya gaji/honorarium, tunjangan dan fasilitas bagi anggota Direksi, Dewan Komisaris,
dan Dewan Pengawas Syariah (DPS) Perseroan untuk tahun 2022.
1. Tantiem
Grant the power and authority to the Company’s Board of Commissioners with prior approval from the
Company’s Shareholders, namely PT PERTAMINA (PERSERO) as the Controlling Shareholder, to determine
tantiem for members of the Company’s Board of Directors and Board of Commissioners for the 2021 fiscal
year.
2. Remuneration
Grant the power and authority to the Company’s Board of Commissioners with prior approval from the
Company’s Shareholders, namely PT PERTAMINA (PERSERO) as the Controlling Shareholder, to determine
the amount of salary/remuneration, and allowances and facilities for members of the Company’s Board of
Directors, Board of Commissioners, and Sharia Supervisory Board for 2022.
Tindak Lanjut/Realisasi Keputusan langsung berlaku efektif.
Follow-up/Realization The resolution is effective immediately.
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5 Persetujuan laporan pertanggungjawaban realisasi penggunaan dana hasil Penawaran Umum.
Approval of the accountability report on the realization of the use of proceeds from the Public Offering.
Mata Acara Kelima
Fifth Agenda
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
1.416.125.200 suara atau 121.600 suara atau 0,0085858% 47.200 suara atau 0,0033326%
99,9880816% dari seluruh saham dari seluruh saham dengan hak dari seluruh saham dengan hak
dengan hak suara yang hadir dalam suara yang hadir dalam Rapat. suara yang hadir dalam Rapat.
Rapat.
1,416,125,200 votes or 121,600 votes or 0.0085858% 47,200 votes or 0.0033326% of all
99.9880816% of all shares with of all shares with voting rights shares with voting rights attended
voting rights attended the Meeting. attended the Meeting. the Meeting.
Keputusan Rapat Menyetujui laporan pertanggungjawaban realisasi penggunaan Dana Hasil Penawaran Umum: Seluruh dana
Meeting Resolutions yang telah diperoleh sebesar Rp684.444.530.000,-. Jumlah biaya yang telah dikeluarkan dalam rangka
pelaksanaan penawaran umum Rp25.742.358.837,-. Dana yang telah direalisasikan dan peruntukannya
sejumlah Rp525.668.218.356,49. Dana yang masih tersisa sebesar Rp133.033.952.806,51 dan alasan belum
terealisasikan adalah bahwa semua kegiatan yang tercantum dalam prospektus dilakukan secara bertahap.
Approve the accountability report on the realization of the use of proceeds from the Public Offering: The total
proceeds obtained amounted to IDR684,444,530,000. The total cost incurred for implementing the public
offering amounted to IDR25,742,358,837. The total proceeds that had been used and allocated amounted to
IDR525,668,218,356.49. The total remaining proceeds amounted to IDR133,033,952,806.51 and the reason
for the unrealized use of proceeds was because all activities listed in the prospectus were carried out in stages.
Tindak Lanjut/Realisasi Keputusan langsung berlaku efektif.
Follow-up/Realization The resolution is effective immediately.
6 Pemberian kuasa kepada Dewan Komisaris untuk peningkatan modal dalam rangka pelaksanaan program
Management Employee Stock Option Plan (MESOP).
Mata Acara Keenam Granting of the power of attorney to the Board of Commissioners to increase capital for the purpose of
Sixth Agenda 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
1.416.125.200 suara atau 121.600 suara atau 0,0085858% 47.200 suara atau 0,0033326%
99,9880816% dari seluruh saham dari seluruh saham dengan hak dari seluruh saham dengan hak
dengan hak suara yang hadir dalam suara yang hadir dalam Rapat. suara yang hadir dalam Rapat.
Rapat.
1,416,125,200 votes or 121,600 votes or 0.0085858% 47,200 votes or 0.0033326% of all
99.9880816% of all shares with of all shares with voting rights shares with voting rights attended
voting rights attended the Meeting. attended the Meeting. the Meeting.
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Keputusan Rapat 1. Memberikan kewenangan kepada Dewan Komisaris untuk melakukan dan melaksanakan semua dan setiap
Meeting Resolutions tindakan atau perbuatan yang disyaratkan oleh peraturan perundang-undangan yang berlaku, Anggaran Dasar
Perseroan, atau yang dipandang perlu dalam rangka melaksanakan MESOP.
2. Memberikan kuasa kepada Direksi Perseroan dengan hak substitusi, untuk menyatakan dalam Akta Notaris
tersendiri untuk setiap adanya perubahan permodalan terkait MESOP, yang selanjutnya dilakukan tindakan-
tindakan yang disyaratkan oleh peraturan perundang-undangan yang berlaku.
1. Grant the authority to the Board of Commissioners to carry out and implement all and any actions required by
the applicable laws and regulations, the Company’s Articles of Association, or as deemed necessary in order
to implement the MESOP.
2. Grant the power to the Board of Directors of the Company with substitution rights, to state in a separate
Notary Deed for any changes in capital related to the MESOP, which will be carried out with actions required by
the prevailing laws and regulations.
Tindak Lanjut/Realisasi Selesai/Terlaksana.
Follow-up/Realization Completed/Realized.
7 Persetujuan perubahan susunan pengurus.
Approval of the change in the management composition.
Mata Acara Ketujuh
Seventh Agenda
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
1.134.546.200 suara atau 281.721.600 suara atau 26.200 suara atau
80,1066869% dari seluruh saham 19,8914632% dari seluruh saham 0,0018499% dari seluruh saham
dengan hak suara yang hadir dalam dengan hak suara yang hadir dalam dengan hak suara yang hadir dalam
Rapat. Rapat. Rapat.
1,134,546,200 votes or 281,721,600 votes or 26,200 votes or 0.0018499% of all
80.1066869% of all shares with 19.8914632% of all shares with shares with voting rights attended
voting rights attended the Meeting. voting rights attended the Meeting. the Meeting.
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Keputusan Rapat 1. Menyetujui untuk memberhentikan dengan hormat dengan alasan penyegaran organisasi dan pengunduran
Meeting Resolutions diri Sdr. Indra Baruna sebagai Presiden Direktur Perseroan yang berakhir masa jabatannya terhitung sejak
ditutupnya Rapat Umum Pemegang Saham ini, dengan ucapan terima kasih atas sumbangan tenaga dan
pikiran yang diberikan selama menjabat sebagai Presiden Direktur Perseroan.
2. Menyetujui pengunduran diri Sdr. Maruly Octavianus Sinaga sebagai Direktur Kepatuhan & Manajemen Risiko
Perseroan yang berakhir masa jabatannya terhitung sejak ditutupnya Rapat Umum Pemegang Saham ini,
dengan ucapan terima kasih atas sumbangan tenaga dan pikiran yang diberikan selama menjabat sebagai
Direktur Kepatuhan & Manajemen Risiko Perseroan.
3. Menyetujui untuk memberhentikan dengan hormat Sdr. Koeshartanto sebagai Presiden Komisaris Perseroan
dengan alasan penyegaran organisasi terhitung sejak ditutupnya Rapat Umum Pemegang Saham ini, dengan
ucapan terima kasih atas segala sumbangan tenaga dan pikiran yang diberikan selama menjabat sebagai
Presiden Komisaris Perseroan.
4. Menyetujui pengunduran diri Sdr. Sahala Lumban Gaol sebagai Komisaris Perseroan terhitung sejak
ditutupnya Rapat Umum Pemegang Saham ini, dengan ucapan terima kasih atas segala sumbangan tenaga
dan pikiran yang diberikan selama menjabat sebagai Komisaris Perseroan.
5. Menyetujui untuk memberhentikan dengan hormat Sdr. M. Harry Santoso sebagai Komisaris Independen
dengan alasan penyegaran organisasi terhitung sejak ditutupnya Rapat Umum Pemegang Saham ini, dengan
ucapan terima kasih atas segala sumbangan tenaga dan pikiran yang diberikan selama menjabat sebagai
Komisaris Independen Perseroan.
6. Menyetujui pengangkatan Anggota Direksi dan Dewan Komisaris Perseroan sebagai berikut:
• Sdr. Tatang Nurhidayat sebagai Presiden Direktur.
• Sdri. Dian Masyita sebagai Presiden Komisaris merangkap sebagai Komisaris Independen.
• Sdr. Bagus Agung Rahadiansyah sebagai Komisaris.
7. Menyetujui penggabungan dan perubahan nomenklatur jabatan sebagai berikut:
• Direktur Pemasaran Asuransi Minyak & Gas dan Direktur Pemasaran Asuransi Non Minyak & Gas menjadi
Direktur Pemasaran Asuransi.
8. Menyetujui pengalihan tugas nama-nama sebagai berikut:
• Sdr. Ery Widiatmoko semula sebagai Direktur Pemasaran Asuransi Non Minyak & Gas menjadi Direktur
Pemasaran Asuransi.
• Sdr Budi P. Amir semula sebagai Direktur Pemasaran Asuransi Minyak & Gas menjadi Direktur Kepatuhan
& Manajemen Risiko.
• Dengan masa jabatan meneruskan sisa masa jabatan sesuai RUPS pengangkatan (RUPST 2020) yang
bersangkutan.
9. Anggota Direksi dan Dewan Komisaris yang diangkat sebagaimana dimaksud pada angka 6 baru dapat
melaksanakan tugasnya setelah mendapat persetujuan Otoritas Jasa Keuangan (OJK) atas Penilaian
Kemampuan dan Kepatutan dan memenuhi peraturan perundang-undangan yang berlaku hingga berakhir
pada penutupan RUPS Tahunan ke-3 pada akhir satu periode masa jabatan dimaksud, namun demikian tidak
mengurangi hak RUPS untuk memberhentikan Anggota Direksi dan Dewan Komisaris tersebut sewaktu-waktu
sebelum masa jabatannya berakhir.
10. Dalam hal anggota Direksi dan Dewan Komisaris yang diangkat tersebut masih menjabat pada jabatan lain
yang dilarang oleh peraturan perundang-undangan untuk dirangkap dengan jabatan anggota Direksi dan
Dewan Komisaris, maka yang bersangkutan harus mengundurkan diri atau diberhentikan dari jabatannya
tersebut.
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11. Dengan adanya pengunduran diri, pemberhentian dan pengangkatan anggota Direksi dan Dewan Komisaris,
perubahan nomenklatur organisasi, serta pengalihan tugas tersebut di atas, maka susunan keanggotaan
Direksi dan Dewan Komisaris Perseroan menjadi sebagai berikut:
Dewan Komisaris
Presiden Komisaris & Komisaris Independen : Sdri. Dian Masyita
Komisaris : Sdri. Amelia Kurniawan
Komisaris : Sdr. Bagus Agung Rahadiansyah
Komisaris Independen : Sdr. Poerwo Tjahjono
Komisaris Independen : Sdr. Adi Zakaria Afiff
Direksi
Presiden Direktur : Sdr. Tatang Nurhidayat
Direktur Keuangan & Layanan Korporat : Sdr Emil Hakim
Direktur Teknik : Sdr. Syaiful Azhar
Direktur Pemasaran Asuransi : Sdr. Ery Widiatmoko
Direktur Kepatuhan & Manajemen Risiko : Sdr. Budi P. Amir
12. Memberikan kuasa dengan hak substitusi kepada Direksi Perseroan untuk melakukan segala tindakan yang
diperlukan berkaitan dengan keputusan Mata Acara ini sesuai dengan peraturan perundang-undangan yang
berlaku, termasuk untuk menyatakan dalam Akta Notaris tersendiri dan memberitahukan perubahan susunan
Direksi dan Dewan Komisaris Perseroan kepada Kementerian Hukum dan HAM.
1. For organizational structure refresh and due to his resignation as the Company’s President Director, approve
the honorable dismissal of Mr. Indra Baruna as the Company’s President Director whose term of office ends
as of the closing of this General Meeting of Shareholders, with gratitude for the contribution of energy and
thoughts given during his tenure as President Director of the Company.
2. Approve the resignation of Mr. Maruly Octavianus Sinaga as the Company’s Director of Compliance & Risk
Management whose term of office ends as of the closing of this General Meeting of Shareholders, with
gratitude for the contribution of energy and thoughts given during his tenure as the Company’s Director of
Compliance & Risk Management.
3. Approve the honorable dismissal of Mr. Koeshartanto as the Company’s President Commissioner for
organizational structure refresh as of the closing of this General Meeting of Shareholders, with gratitude
for all the contributions of energy and thoughts given during his tenure as the Company’s President
Commissioner.
4. Approve the resignation of Mr. Sahala Lumban Gaol as the Company’s Commissioner effective as of the
closing of this General Meeting of Shareholders, with gratitude for all the contributions of energy and
thoughts given during his tenure as the Company’s Commissioner.
5. Approve the honorable dismissal of Mr. M. Harry Santoso as Independent Commissioner for organizational
structure refresh as of the closing of this General Meeting of Shareholders, with gratitude for all the
contributions of energy and thoughts given during his tenure as the Company’s Independent Commissioner.
6. Approve the appointment of members of the Company’s Board of Directors and Board of Commissioners as
follows:
• Mr. Tatang Nurhidayat as President Director.
• Mrs. Dian Masyita as President Commissioner concurrently as Independent Commissioner.
• Mr. Bagus Agung Rahadiansyah as Commissioner.
7. Agree to merge and change the nomenclature of positions as follows:
• Oil & Gas Insurance Marketing Director and Non-Oil & Gas Insurance Marketing Director become
Insurance Marketing Director.
8. Approve the transfer of assignment of the names as follows:
• Mr. Ery Widiatmoko from Director of Non-Oil & Gas Insurance Marketing to become Director of Insurance
Marketing.
• Mr. Budi P. Amir from Director of Oil & Gas Insurance Marketing to become Director of Compliance & Risk
Management.
• With the term of office continuing the remaining term of office in accordance with the relevant GMS
appointment (AGM 2020).
9. Members of the Board of Directors and Board of Commissioners who are appointed as referred to in point
number 6 can only carry out their duties after obtaining approval from the Financial Services Authority (OJK)
for the Fit and Proper Test and complying with the prevailing laws and regulations until the closing of the 3rd
Annual GMS at the end of the said term of office, without any prejudice to the right of the GMS to dismiss the
members of the Board of Directors and the Board of Commissioners at any time before their term of office
ends.
10. In the event that the appointed members of the Board of Directors and the Board of Commissioners are still
serving in other positions prohibited by laws and regulations from concurrently serving as members of the
Board of Directors and Board of Commissioners, then the persons concerned must resign or be dismissed
from their positions.
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11. With the resignations, dismissals, and appointment of members of the Board of Directors and Board of
Commissioners, changes in the nomenclature of the organization, as well as the transfer of duties as
mentioned above, the composition of the Company’s Board of Directors and Board of Commissioners shall
become as follows:
Board of Commissioners
President Commissioner & Independent Commissioner : Mrs. Dian Masyita
Commissioner : Mrs. Amelia Kurniawan
Commissioner : Mr. Bagus Agung Rahadiansyah
Independent Commissioner : Mr. Poerwo Tjahjono
Independent Commissioner : Mr. Adi Zakaria Afiff
Board of Directors
President Director : Mr. Tatang Nurhidayat
Director of Finance & Corporate Service : Mr. Emil Hakim
Technical Director : Mr. Syaiful Azhar
Director of Insurance Marketing : Mr. Ery Widiatmoko
Director of Compliance & Risk Management : Mr. Budi P. Amir
12. Grant the power of attorney with substitution rights to the Company’s Board of Directors to take all necessary
actions related to the decisions of this Agenda in accordance with the prevailing laws and regulations,
including to declare in a separate Notary Deed and notify the change in the composition of the Company’s
Board of Directors and Board of Commissioners to the Ministry of Law and Human Rights.
Tindak Lanjut/Realisasi Keputusan langsung berlaku efektif.
Follow-up/Realization 1. Berdasarkan Keputusan Dewan Komisioner Otoritas Jasa Keuangan No. KEP-32/KDK.05/2022 tanggal 16
Agustus 2022, Sdr. Tatang Nurhidayat dinyatakan memenuhi persyaratan untuk menjadi Presiden Direktur
Perseroan. Dengan demikian, pengangkatan Sdr. Tatang Nurhidayat sebagai Presiden Direktur terhitung
efektif sejak 16 Agustus 2022 yang dituangkan dalam Akta Pernyataan Keputusan Rapat No. 132 tanggal 24
Agustus 2022 notaris Jose Dima Satria S.H., M.Kn.
2. Berdasarkan Keputusan Dewan Komisioner Otoritas Jasa Keuangan No. KEP-47/KDK.05/2022 tanggal
11 Oktober 2022, Sdri. Dian Masyita dinyatakan memenuhi persyaratan untuk menjadi Presiden Komisaris
Perseroan. Dengan demikian, pengangkatan Sdri. Dian Masyita sebagai Presiden Komisaris terhitung efektif
sejak 11 Oktober 2022 yang dituangkan dalam Akta Pernyataan Keputusan rapat nomor 118 tanggal 19
Oktober 2022 notaris Jose Dima Satria, S.H., M.Kn.
The resolution is effective immediately.
1. Based on the Decision of the Financial Services Authority’s Board of Commissioners No. KEP-32/
KDK.05/2022 dated 16 August 2022, Mr. Tatang Nurhidayat has been declared to meet the requirements to
become the President Director of the Company. Thus, the appointment of Mr. Tatang Nurhidayat as President
Director is effective as of 16 August 2022 as outlined in the Deed of Statement of Meeting Resolutions
number 132 dated 24 August 2022 of notary Jose Dima Satria S.H., MKn.
2. Based on the Decision of the Financial Services Authority’s Board of Commissioners No. KEP-47/
KDK.05/2022 dated 11 October 2022, Mrs. Dian Masyita has been declared to meet the requirements
to become the President Commissioner of the Company. Thus, the appointment of Mrs. Dian Masyita as
President Commissioner is effective as of 11 October 2022 as outlined in the Deed of Statement of Meeting
Resolutions number 118 dated 19 October 2022 of notary Jose Dima Satria S.H., MKn.
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3.B.
Dewan Komisaris
Board of Commissioners
Dewan Komisaris merupakan Organ Perseroan yang In running the Company, Tugu Insurance Board of
memiliki tugas dan tanggung jawab dalam hal pengawasan Directors is supervised by the Board of Commissioners,
dan pemberian nasihat kepada Direksi terkait kebijakan- who is also tasked with providing advice to the Board of
kebijakan Perseroan. Dalam menjalankan tugasnya, Dewan Directors regarding policies. In performing the duties,
Komisaris bertanggung jawab kepada RUPS. Dewan the Board of Commissioners is responsible to the GMS.
Komisaris bertanggung jawab secara penuh pada RUPS The responsibility of the Board of Commissioners to the
sebagai wujud akuntabilitas pengawasan atas pengelolaan GMS is a manifestation of supervision accountability for
Perseroan dalam rangka menerapkan prinsip-prinsip the Company’s management in the context of corporate
tata kelola. governance principles implementation.
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
RUPS sesuai persyaratan dan peraturan yang berlaku, and dismissed by the GMS in accordance with applicable
serta diharuskan untuk lulus uji kepatutan dan kelayakan requirements and regulations and must pass the fit and
yang ditetapkan oleh OJK. Masa jabatan anggota Dewan proper test set by the OJK. The term of office of the Board
Komisaris berlaku sejak tanggal yang ditentukan dalam of Commissioners members takes effect from the date
RUPS dimana anggota Dewan Komisaris diangkat, dan determined in the GMS where the Board of Commissioners
berakhir pada saat ditutupnya RUPS Tahunan ketiga setelah members are appointed and ends at the closing of the
tanggal pengangkatan kecuali ditentukan lain dalam RUPS. third Annual GMS after the date of the appointment unless
Apabila telah habis masa jabatan, Dewan Komisaris dapat otherwise specified in the GMS. When their term of office
diangkat kembali sesuai dengan keputusan RUPS. ends, the Board of Commissioners members can be
reappointed based on the GMS resolution.
Masa jabatan anggota Dewan Komisaris dapat diakhiri The term of office of a member of the Board of
apabila yang bersangkutan: Commissioners may be terminated upon his:
1. Mengundurkan diri; 1. Resignation;
2. Tidak lagi memenuhi persyaratan perundang-undangan 2. No longer meeting the applicable legal requirements;
yang berlaku; 3. Demise;
3. Meninggal dunia; 4. Dismissal based on the resolution of a GMS.
4. Diberhentikan berdasarkan keputusan RUPS.
Komposisi Dewan Komisaris Tahun 2023
The Board of Commissioners Composition in 2023
Di tahun 2023, Perseroan mengalami perubahan komposisi In 2023, the Company experienced a change in the
Dewan Komisaris berdasarkan Keputusan RUPS Tahunan composition of the Board of Commissioners based on
tanggal 28 April 2023. Berdasarkan perubahan tersebut, the Annual GMS Resolution on 28 April 2023. Based on
komposisi Dewan Komisaris Perseroan terdiri dari 1 (satu) these changes, the composition of the Company's Board of
orang Presiden Komisaris merangkap sebagai Komisaris Commissioners consists of 1 (one) President Commissioner
Independen, dan 4 (empat) orang anggota Komisaris, dimana who also serves as an Independent Commissioner,
2 (dua) di antaranya adalah Komisaris Independen. Informasi and 4 (four) Commissioners, which 2 (two) of them are
lengkap mengenai perubahan komposisi Dewan Komisaris Independent Commissioners. Complete information
Tugu Insurance sepanjang tahun 2023 dapat dilihat pada regarding changes in the composition of the Tugu Insurance
Bab Profil Perusahaan dalam Laporan Tahunan ini. Board of Commissioners throughout 2023 can be seen in
the Company Profile Chapter in this Annual Report.
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Adapun komposisi Dewan Komisaris Tugu Insurance per 31 The composition of the Tugu Insurance Board of
Desember 2023 adalah sebagai berikut: Commissioners as of 31 December 2023 is as follows:
Nama Jabatan
Name Position
Dian Masyita Presiden Komisaris & Komisaris Independen
President Commissioner & Independent Commissioner
Bagus Agung Rahadiansyah Komisaris
Commissioner
Samuel Lie (Samuel Ramna) Komisaris
Commissioner
Poerwo Tjahjono Komisaris Independen
Independent Commissioner
Tajudin Noor Komisaris Independen
Independent Commissioner
Berdasarkan komposisi tersebut, Perseroan telah memenuhi Based on this composition, the Company has complied with
ketentuan pada Board Manual dan Peraturan OJK No. 73/ the provisions of the Board Manual and OJK Regulation No.
POJK.05/2016 tentang Tata Kelola Perusahaan yang Baik 73/POJK.05/2016 concerning Good Corporate Governance
bagi Perusahaan Perasuransian (“POJK No. 73”), yang for Insurance Companies ("POJK No. 73"), which regulates
mengatur bahwa Dewan Komisaris Perusahaan Asuransi that the Board of Commissioners of an Insurance Company
harus terdiri dari sedikitnya 3 (tiga) orang anggota. Seluruh must consist of at least 3 (three) members. All members of
Dewan Komisaris Tugu Insurance yang menjabat adalah the Tugu Insurance Board of Commissioners are Indonesian
warga negara Indonesia dan berdomisili di Indonesia citizens and domiciled in Indonesia as stipulated in Article
sebagaimana ketentuan Pasal 19 ayat (5) POJK No. 73. 19 paragraph (5) POJK No. 73.
Komposisi Dewan Komisaris Tugu Insurance juga telah This composition has complied with the Board Manual
memenuhi ketentuan POJK No. 33/2014 yang mengatur and meets the provisions of OJK Regulation No. 73/
bahwa Dewan Komisaris paling kurang terdiri dari 2 (dua) POJK.05/2016 concerning Good Corporate Governance for
orang anggota; dalam hal Dewan Komisaris terdiri lebih dari Insurance Companies (“POJK No. 73”), which stipulates
2 (dua) orang anggota Dewan Komisaris, jumlah Komisaris that the Board of Commissioners of an Insurance Company
Independen wajib paling kurang 30% (tiga puluh persen) dari must consist of at least 2 (two) members, of which the
jumlah seluruh anggota Dewan Komisaris; dan 1 (satu) di number of Independent Commissioners must be at least
antara anggota Dewan Komisaris diangkat menjadi Komisaris 30% (thirty percent) of the total members of the Board
Utama atau Presiden Komisaris. of Commissioners; and 1 (one) member of the Board of
Commissioners is appointed as President Commissioner.
Buku Panduan Kerja Dewan Komisaris (Board Manual)
The Board of Commissioners’ Work Guidelines (Board Manual)
Perseroan mengatur pedoman tugas dan tanggung jawab The Board of Commissioners has in place the Board
pelaksanaan tugas fungsi pengawasan Dewan Komisaris of Commissioners’ Work Guidelines as a guideline for
dalam Buku Panduan Kerja Dewan Komisaris. Buku performing its supervisory duties and responsibilities. The
Panduan Kerja merupakan bagian dari Board Manual yang Board of Commissioners’ Guidelines constitute part of the
telah disahkan oleh Dewan Komisaris dan Direksi pada 1 Board Manual approved by the Board of Commissioners and
Desember 2014 dengan pembaruan Board Manual terakhir the Board of Directors on 1 December 2014 and amended
pada 31 Desember 2021. Isi Board Manual tersebut tidak on 31 December 2021. The Board Manual is inseparable
dapat dipisahkan dari Anggaran Dasar Perseroan dan Soft from the Company’s Articles of Association and the
Structure Tata Kelola Perusahaan. Company’s Corporate Governance Soft Structure.
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Board Manual berlaku bagi pelaksanaan hubungan kerja The Board Manual applies to the implementation of the
antara Dewan Komisaris dan Direksi dengan mengacu working relationship between the Board of Commissioners
kepada ketentuan yang terdapat dalam Anggaran Dasar and the Board of Directors concerning to the provisions
Perseroan, hasil RUPS, dan/atau ketentuan peraturan contained in the Company’s Articles of Association, the
perundang-undangan yang berlaku. Adapun hal-hal yang results of the GMS, and/or the provisions of the applicable
diatur dalam Board Manual terkait Dewan Komisaris, laws and regulations. The matters related to the Board of
antara lain: Commissioners regulated in the Board Manual include,
among others:
1. Persyaratan, rangkap jabatan, komposisi, dan masa 1. Requirements, concurrent positions, composition, and
jabatan Dewan Komisaris; term of office of the Board of Commissioners;
2. Tugas, wewenang, kewajiban, dan tanggung jawab 2. The duties, authorities, obligations, and responsibilities
Dewan Komisaris; of the Board of Commissioners;
3. Rapat Dewan Komisaris; 3. The Board of Commissioners meeting;
4. Komunikasi Dewan Komisaris; 4. Communication of the Board of Commissioners
5. Dewan Komisaris dalam RUPS; 5. The Board of Commissioners in the GMS;
6. Fungsi pendukung; dan 6. Support function; and
7. Pelaporan dan pertanggungjawaban Dewan Komisaris. 7. 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
Tugas utama Dewan Komisaris adalah melakukan The Board of Commissioners has the main duty to supervise
pengawasan dan pemberian nasihat terhadap pengurusan and provide advice to the management of the Company
Perseroan yang dilakukan oleh Direksi. Dewan Komisaris carried out by the Board of Directors. In addition, the Board
juga bertanggung jawab atas pengawasan terhadap kebijakan of Commissioners is also responsible for supervising the
penyusunan dan penerapan tata kelola perusahaan. Dewan policies on the arrangement and implementation of corporate
Komisaris memantau dan memastikan bahwa praktik tata governance in the Company. The Board of Commissioners
kelola telah diterapkan secara efektif dan berkelanjutan. monitors and ensures that corporate governance practices
have been implemented effectively and continuously.
Tanggung Jawab dan Wewenang Dewan Komisaris The Board of Commissioners’ Authority and
Responsibilities
Dewan Komisaris memiliki tanggung jawab dan wewenang, The Board of Commissioners, either jointly by other
sebagai berikut: fellow members or individually, at any time has the
following authorities:
1. Melihat buku-buku, surat-surat, serta dokumen- 1. Overlook the books, letters, and other documents, cash
dokumen lainnya, memeriksa kas untuk keperluan for verification purposes, and other securities, as well as
verifikasi, dan surat berharga lain-lain dan memeriksa the Company’s assets;
kekayaan Perseroan; 2. Enter the premises, buildings, and offices used by
2. Memasuki pekarangan, gedung, dan kantor yang the Company;
dipergunakan oleh Perseroan; 3. Understand all policies and actions that have been and
3. Mengetahui segala kebijakan dan tindakan yang telah will be carried out by the Directors;
dan akan dijalankan oleh Direksi; 4. Provide directions to the Board of Directors on the
4. Memberikan arahan terhadap Direksi atas implementasi implementation of the Company’s plans and policies;
rencana dan kebijakan Perseroan; 5. Request the Directors and/or other officials under
5. Meminta Direksi dan/atau pejabat lainnya di bawah the Board of Directors with the approval of the Board
Direksi dengan sepengetahuan Direksi untuk menghadiri of Directors to attend the Board of Commissioners’
rapat Dewan Komisaris; meeting;
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6. Meneliti, menelaah, serta menandatangani Rencana 6. Research, analyze, and sign the Company’s Long-Term
Jangka Panjang Perseroan (RJPP) dan Rencana Kerja Plan and Work Plan and Budget prepared by the Board
dan Anggaran Perseroan (RKAP) yang disiapkan Direksi, of Directors, following the provisions of the Company’s
sesuai dengan ketentuan Anggaran Dasar Perseroan; Articles of Association;
7. Memberikan nasihat kepada Direksi dalam 7. Provide advice to the Board of Directors in carrying out
melaksanakan pengurusan Perseroan; the management of the Company;
8. Mengangkat 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 Directors in
dengan ketentuan Anggaran Dasar Perseroan; accordance with the provisions of the Company’s Articles
10. Menggunakan tenaga ahli untuk hal tertentu dan dalam of Association;
jangka waktu tertentu atas beban Perseroan, jika 10. Work with the experts for certain matters and within
dianggap perlu; a certain period at the expense of the Company, if
11. Melakukan tindakan pengurusan Perseroan dalam deemed necessary;
keadaan tertentu untuk jangka waktu tertentu sesuai 11. Perform management of the Company in certain
dengan ketentuan Anggaran Dasar dan peraturan circumstances for a certain period in accordance with
perundang-undangan; the provisions of the Articles of Association and laws
12. Menghadiri Rapat Direksi dan memberikan pandangan- and regulations;
pandangan terhadap hal-hal yang dibicarakan; 12. Attend the Board of Directors’ Meetings and provide
13. Melaksanakan kewenangan pengawasan lainnya insights on matters discussed;
sepanjang tidak bertentangan dengan peraturan 13. Deliver other supervision authorities as far as those
perundang-undangan, Anggaran Dasar, dan/atau are not against the laws and regulations, the Articles
keputusan Rapat Umum Pemegang Saham; of Association, and/or the resolutions of the General
14. Mengikuti perkembangan kegiatan Perseroan, Meeting of Shareholders;
memberikan pendapat dan saran kepada Rapat Umum 14. Follow the development of the Company’s activities,
Pemegang Saham; providing opinions and suggestions to the General
15. Melaporkan dengan segera kepada Rapat Umum Meeting of Shareholders;
Pemegang Saham apabila terjadi gejala menurunnya 15. Report immediately to the General Meeting of
kinerja Perseroan atau kejadian penting lain yang perlu Shareholders if there is a sign of a decline in the
diketahui oleh Rapat Umum Pemegang Saham; Company’s performance or other important events
16. Meneliti dan menelaah laporan berkala dan laporan that need to be known by the General Meeting
tahunan yang disiapkan Direksi serta menandatangani of Shareholders;
Laporan Tahunan; 16. Research and analyze the periodic and annual reports
17. Memberikan penjelasan, pendapat dan saran kepada prepared by the Board of Directors and sign the
Rapat Umum Pemegang Saham mengenai Laporan Annual Report;
Tahunan, apabila diminta; 17. Provide explanations, opinions and suggestions to the
18. Menyusun program kerja tahunan dan dimasukkan General Meeting of Shareholders regarding the Annual
dalam RKAP; Report, if requested;
19. Mengusulkan Akuntan Publik untuk melakukan audit 18. Arrange annual work programs and be included in RKAP;
laporan keuangan tahunan kepada Rapat Umum 19. Propose a Public Accountant to audit the annual financial
Pemegang Saham; statement at the General Meeting of Shareholders;
20. Melaksanakan wewenang lainnya dalam rangka tugas 20. Deliver other authorities for supervision and advisory
pengawasan dan pemberian nasihat, sepanjang tidak duties, as long as those do not conflict with the laws and
bertentangan dengan peraturan perundang-undangan, regulations, Articles of Association, and/or Resolution of
Anggaran Dasar, dan/atau Keputusan Rapat Umum the General Meeting of Shareholders.
Pemegang Saham.
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Kewajiban Dewan Komisaris The Board of Commissioners’ Obligations
1. Dalam melaksanakan tugasnya, setiap anggota Dewan 1. In performing the duties, each member of the Board of
Komisaris wajib: Commissioners must:
a. Mematuhi Anggaran Dasar dan peraturan perundang- a. Comply with the Articles of Association and
undangan, serta prinsip-prinsip profesionalisme, laws and regulations, as well as the principles
efisiensi, transparansi, kemandirian, akuntabilitas, of professionalism, efficiency, transparency,
pertanggungjawaban, serta kewajaran; independence, accountability, responsibility
b. Beritikad baik, penuh kehati-hatian dan bertanggung and fairness;
jawab dalam menjalankan tugas pengawasan dan b. Act in good faith, prudence, and responsibility in
pemberian nasihat kepada Direksi untuk kepentingan carrying out supervision and advisory duties to the
Perseroan dan sesuai dengan maksud dan Board of Directors for the interests of the Company
tujuan Perseroan; and in accordance with the aims and objectives of
2. Membuat Risalah Rapat Dewan Komisaris dan the Company;
menyimpan salinannya; 2. Make Minutes of the Board of Commissioners’ Meetings
3. Melaporkan kepada Perseroan mengenai kepemilikan and save the copies;
sahamnya dan/atau keluarganya pada perseroan 3. Report to the Company regarding their ownership of
tersebut dan Perseroan lain; shares and/or their family’s ownership in the Company
4. Memberikan laporan tentang tugas pengawasan yang and other companies;
telah dilakukan selama tahun buku yang baru lampau 4. Provide a report on the supervisory duties performed in
kepada RUPS; the previous fiscal year to the GMS;
5. Dalam kondisi tertentu, Dewan Komisaris wajib 5. Under certain conditions, the Board of Commissioners
menyelenggarakan RUPS Tahunan dan RUPS lainnya must hold an Annual GMS and other GMS in accordance
sesuai dengan kewenangannya sebagaimana with their authority as regulated in the legislation and the
diatur dalam peraturan perundang-undangan dan Articles of Association;
Anggaran Dasar; 6. To support the effectiveness of the implementation of its
6. Dalam rangka mendukung efektivitas pelaksanaan duties and responsibilities, the Board of Commissioners
tugas dan tanggung jawabnya Dewan Komisaris wajib must form Committees in accordance with applicable
membentuk Komite sesuai dengan peraturan perundang- laws and regulations and be authorized to form
undangan yang berlaku dan berwenang untuk membentuk other Committees in accordance with the needs of
Komite lainnya sesuai kebutuhan Perseroan; the Company;
7. Melakukan evaluasi terhadap kinerja komite yang 7. Evaluate the performance of the committees that support
membantu pelaksanaan tugas dan tanggung jawabnya the implementation of their duties and responsibilities at
setiap akhir tahun buku; the end of the fiscal year;
8. Dewan Komisaris bersama Direksi wajib menyusun: 8. The Board of Commissioners together with the Board of
a. Pedoman yang mengikat setiap anggota Dewan Directors are required to arrange:
Komisaris dan Direksi, sesuai dengan ketentuan a. Guidelines that bind every member of the Board of
peraturan perundangan yang berlaku; Commissioners and Directors, in accordance with the
b. Kode etik yang berlaku bagi seluruh anggota Dewan provisions of prevailing laws and regulations;
Komisaris dan anggota Direksi; karyawan/pegawai, b. Code of Conduct that applies to all members
serta pendukung organ yang dimiliki Perseroan, of the Board of Commissioners and Directors;
sesuai dengan ketentuan peraturan perundangan employees, as well as supporting the Company’s
yang berlaku. supporting organs in accordance with applicable laws
and regulations.
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Rekomendasi Dewan Komisaris
The Board of Commissioners’ Recommendations
Di tahun 2023, Dewan Komisaris telah melaksanakan fungsi In 2023, the Board of Commissioners performs
pengawasan serta memberikan nasihat dan rekomendasi its supervision function and provides advice and
kepada manajemen agar pengelolaan Perseroan dijalankan recommendations to the management to ensure that the
sesuai dengan kepentingan pemegang saham dan para Company runs in the interests of shareholders and other
pemangku kepentingan lainnya. Adapun rekomendasi yang stakeholders. The recommendations given by the Board
diberikan Dewan Komisaris kepada Direksi sepanjang tahun of Commissioners to the Board of Directors throughout
2023, antara lain: 2023 include:
1. Kinerja keuangan agar mencapai target dan menjaga 1. Ensure that financial performance targets are met and
optimasi tingkat Risk Based Capital (RBC); maintain the optimization of Risk Based Capital (RBC)
2. Implementasi Enterprise Resource Planning (ERP) sesuai level;
timeline dan memastikan kesiapan dalam mendukung 2. Implementation of Enterprise Resource Planning (ERP)
penerapan PSAK 117; according to the timeline and ensuring its readiness to
3. Optimasi kontribusi Anak Perusahaan terhadap support the implementation of PSAK 117;
kinerja Perseroan; 3. Optimization of subsidiaries' contribution to the
4. Peningkatan tata kelola dalam proses investasi Company's performance;
khususnya non-instrumen keuangan; 4. Improved governance in the investment process,
5. Pelaksanaan aksi korporasi agar senantiasa especially non-financial instruments;
memperhatikan kesesuaian dengan peraturan perundang- 5. Implementation of corporate actions consistently comply
undangan dan sistem tata kerja perusahaan serta kajian with laws and regulations and corporate governance
yang andal; systems as well as reliable studies;
6. Peningkatan internal control di TUGU Group; 6. Improved the internal control in TUGU Group;
7. Peningkatan tata kelola piutang; 7. Improved receivables management;
8. Pelaksanaan peningkatan kompetensi sumber daya 8. Improved the Company's human resources (HR)
manusia (SDM) Perseroan; competency;
9. Proses pelaksanaan pemisahan unit usaha syariah agar 9. The implementation of spin-off in sharia unit should
memperhatikan peraturan perundangan-undangan terkini. comply with the latest laws and regulations.
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 is a forum for
Dewan Komisaris untuk mengambil keputusan secara members of the Board of Commissioners to make
kolektif serta membahas kinerja Direksi dalam mengelola collective decisions and discuss the performance of the
Perseroan. Sesuai Anggaran Dasar Perseroan, Dewan Board of Directors in managing the Company. In pursuant
Komisaris wajib mengadakan Rapat paling kurang 1 (satu) to the Company’s Articles of Association, the Board of
kali sebulan, dan rapat dengan mengundang Direksi paling Commissioners must hold a meeting at least once a month,
sedikit 4 (empat) kali dalam setahun, serta mengadakan and meetings by inviting the Board of Directors at least 4
rapat bersama Auditor Eksternal paling kurang 1 (satu) kali (four) times a year and meeting with External Auditor at
dalam setahun. Di samping itu Dewan Komisaris dapat least once a year. In addition, the Board of Commissioners
mengadakan rapat sewaktu-waktu atas permintaan 1 (satu) may hold meetings at any time at the request of 1 (one)
atau beberapa anggota Dewan Komisaris atau Direksi, or several members of the Board of Commissioners or the
dengan menyebutkan hal-hal yang akan dibicarakan. Board of Directors, by stating the issues to be discussed.
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Rapat Internal Dewan Komisaris The Board of Commissioners’ Internal Meeting
Sepanjang tahun 2023, Dewan Komisaris telah In 2023, the Board of Commissioners held 18 (eighteen)
melaksanakan rapat internal sebanyak 18 (delapan belas) internal meetings and 1 (one) meeting with the External
kali dan rapat Dewan Komisaris dengan Auditor Eksternal Auditor. The following table presents the total of the Board of
sebanyak 1 (satu) kali. Adapun jumlah Rapat Internal Dewan Commissioners’ Internal Meeting:
Komisaris dan kehadiran anggota Dewan Komisaris dalam
Rapat Internal tersebut dapat dilihat sebagai berikut:
Nama Dewan Komisaris
Jumlah Rapat Jumlah Kehadiran Persentase Tingkat Kehadiran
Name of Board of
Total Meetings Total Attendance Attendance Rate in %
Commissioners
Dian Masyita 19 19 100%
Amelia Kurniawan 1) 6 6 100%
Bagus Agung Rahadiansyah 2) 11 11 100%
Adi Zakaria Afiff 3) 6 6 100%
Samuel Lie (Samuel Ramna) 4)
2 2 100%
Poerwo Tjahjono 19 19 100%
Tajudin Noor 5) - - -
1)
Tidak lagi menjabat sebagai Komisaris sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
2)
Efektif menjabat sebagai Komisaris sejak 23 Juni 2023 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK).
3)
Tidak lagi menjabat sebagai Komisaris Independen sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
4)
Efektif menjabat sebagai Komisaris sejak 4 Desember 2023 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK).
5)
Efektif menjabat sebagai Komisaris Independen sejak 18 Januari 2024 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK).
1)
No longer serves as Commissioner since the closing of the Annual GMS on 28 April 2023.
2)
Effectively serving as Commissioner since 23 June 2023 based on the results of Fit and Proper Test from the Financial Services Authority (OJK).
3)
No longer serves as Independent Commissioner since the closing of the Annual GMS on 28 April 2023.
4)
Effectively serving as Commissioner since 4 December 2023 based on the results of Fit and Proper Test from the Financial Services Authority (OJK).
5)
Effectively serving as Independent Commissioner since 18 January 2024 based on the results of Fit and Proper Test from the Financial Services Authority (OJK).
Rapat Dewan Komisaris Mengundang Direksi The Board of Commissioners’ Joint Meeting with the
Board of Directors
Di tahun 2023, Dewan Komisaris juga mengadakan rapat In 2023, the Board of Commissioners held 11 (eleven) joint
dengan mengundang Direksi yang diselenggarakan sebanyak meetings with the Board of Directors. The following table
11 (sebelas) kali dengan jumlah rapat dan kehadiran presents the total meeting and attendance of the Board of
anggota Dewan Komisaris sebagai berikut: Commissioners in the Joint Meeting:
Nama Dewan Komisaris
Jumlah Rapat Jumlah Kehadiran Persentase Tingkat Kehadiran
Name of Board of
Total Meetings Total Attendance Attendance Rate in %
Commissioners
Dian Masyita 11 11 100%
Amelia Kurniawan 1) 4 4 100%
Bagus Agung Rahadiansyah 2) 6 7 86%
Adi Zakaria Afiff 3) 4 4 100%
Samuel Lie (Samuel Ramna) 4) 2 2 100%
Poerwo Tjahjono 11 11 100%
Tajudin Noor 5) - - -
1)
Tidak lagi menjabat sebagai Komisaris sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
2)
Efektif menjabat sebagai Komisaris sejak 23 Juni 2023 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK).
3)
Tidak lagi menjabat sebagai Komisaris Independen sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
4)
Efektif menjabat sebagai Komisaris sejak 4 Desember 2023 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK).
5)
Efektif menjabat sebagai Komisaris Independen sejak 18 Januari 2024 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK).
1)
No longer serves as Commissioner since the closing of the Annual GMS on 28 April 2023.
2)
Effectively serving as Commissioner since 23 June 2023 based on the results of Fit and Proper Test from the Financial Services Authority (OJK).
3)
No longer serves as Independent Commissioner since the closing of the Annual GMS on 28 April 2023.
4)
Effectively serving as Commissioner since 4 December 2023 based on the results of Fit and Proper Test from the Financial Services Authority (OJK).
5)
Effectively serving as Independent Commissioner since 18 January 2024 based on the results of Fit and Proper Test from the Financial Services Authority (OJK).
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Kehadiran Dewan Komisaris dalam RUPS Tahunan
Board of Commissioners Attendance in Annual GMS
Kehadiran pada RUPS
Nama Dewan Komisaris Jabatan
pada 28 April 2023
Name of Board of Commissioners Position
Attendance at Annual GMS on 28 April 2023
Dian Masyita Presiden Komisaris & Komisaris Independen Hadir
President Commissioner and Independent Present
Commissioner
Amelia Kurniawan 1) Komisaris Hadir
Commissioner Present
Bagus Agung Rahadiansyah 2) Komisaris Hadir
Commissioner Present
Adi Zakaria Afiff 3) Komisaris Independen Hadir
Independent Commissioner Present
Samuel Lie (Samuel Ramna) 4) Komisaris Hadir
Commissioner Present
Poerwo Tjahjono Komisaris Independen Hadir
Independent Commissioner Present
Tajudin Noor 5) Komisaris Independen Tidak Hadir
Independent Commissioner Absent
1)
Tidak lagi menjabat sebagai Komisaris sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
2)
Efektif menjabat sebagai Komisaris sejak 23 Juni 2023 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK).
3)
Tidak lagi menjabat sebagai Komisaris Independen sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
4)
Efektif menjabat sebagai Komisaris sejak 4 Desember 2023 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK).
5)
Efektif menjabat sebagai Komisaris Independen sejak 18 Januari 2024 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK).
1)
No longer serves as Commissioner since the closing of the Annual GMS on 28 April 2023.
2)
Effectively serving as Commissioner since 23 June 2023 based on the results of Fit and Proper Test from the Financial Services Authority (OJK).
3)
No longer serves as Independent Commissioner since the closing of the Annual GMS on 28 April 2023.
4)
Effectively serving as Commissioner since 4 December 2023 based on the results of Fit and Proper Test from the Financial Services Authority (OJK).
5)
Effectively serving as Independent Commissioner since 18 January 2024 based on the results of Fit and Proper Test from the Financial Services Authority (OJK).
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 menyelenggarakan program pengenalan/ Tugu Insurance conducts an orientation program for newly
orientasi untuk anggota Dewan Komisaris yang baru appointed members of the Board of Commissioners. This
diangkat. Program pengenalan/orientasi bagi Dewan orientation program for the new Board of Commissioners
Komisaris baru ini bertujuan untuk memberikan informasi members aims to provide information to related parties
kepada pihak terkait agar mendapatkan pemahaman lebih for better understanding of Tugu Insurance to support the
tentang Tugu Insurance guna mendukung pelaksanaan tugas implementation of their duties and responsibilities.
dan tanggung jawabnya.
Berdasarkan ketentuan Board Manual, kebijakan program The policies for the orientation program for new members
pengenalan/orientasi bagi Anggota Dewan Komisaris of the Board of Commissioners are regulated in the Board
antara lain: Manual as follows:
1. Untuk anggota Dewan Komisaris yang baru diangkat, 1. Newly appointed members of the Board of
wajib diberikan program pengenalan mengenai kondisi Commissioners are required to get an introduction
Perseroan secara umum; program regarding the general condition of the Company;
2. Penanggung jawab program pengenalan adalah Sekretaris 2. The person in charge of the orientation program is
Perusahaan atau pejabat yang menjalankan fungsi the Corporate Secretary or official who performs the
sebagai Sekretaris Perusahaan; functions of the Corporate Secretary;
3. Program pengenalan meliputi: 3. The orientation program includes:
a. Pelaksanaan prinsip-prinsip tata kelola di Perseroan; a. Implementation of the principles of Good Corporate
Governance in the Company;
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b. Keterangan mengenai tugas, tanggung jawab, dan b. Information regarding the duties, responsibilities,
hak Dewan Komisaris dan Direksi serta hal lain and rights of the Board of Commissioners and the
yang dilarang berdasarkan ketentuan dan Peraturan Board of Directors, as well as other matters that are
Perundangan yang Berlaku; prohibited based on the provisions and applicable
c. Gambaran mengenai Perseroan berkaitan dengan laws and regulations;
tujuan, sifat, dan lingkup kegiatan, kinerja keuangan c. A description of the Company relating to the
dan operasi, strategi, rencana usaha jangka pendek objectives, characteristics, and scope of activities,
dan jangka panjang, risiko, pengendalian internal dan financial and operating performance, strategies, short-
masalah-masalah strategis lainnya; term and long-term business plans, risks, internal
d. Keterangan berkaitan dengan kewenangan yang control, and other strategic issues;
didelegasikan, audit internal dan eksternal, d. Information relating to delegated authority, internal
sistem dan kebijakan pengendalian internal serta and external audits, internal control systems and
Komite Audit. policies, and the Audit Committee.
4. Program pengenalan dapat berupa presentasi, 4. The orientation program is possibly in the form of
pertemuan, kunjungan ke fasilitas Perseroan, kunjungan presentations, meetings, visits to the Company’s
ke kantor-kantor cabang, pengkajian dokumen facilities, visits to branch offices, reviewing the
Perseroan atau program lainnya yang dianggap sesuai Company’s documents, or other programs deemed
dengan kebutuhan. appropriate based on the needs.
Di tahun 2023, Perseroan melaksanakan program In 2023, the orientation program was carried out for the
pengenalan/orientasi bagi Komisaris yang baru menjabat new Commissioners, namely Mr. Samuel Ramna dan Mr.
yakni Bapak Samuel Ramna dan Bapak Tajudin Noor. Tajudin Noor.
Pelatihan dan/atau Peningkatan Kompetensi Training and/or Competency Enhancement of the
Anggota Dewan Komisaris Board of Commissioners
Mengacu pada Board Manual, program peningkatan The Board Manual regulates policies regarding competency
kompetensi bagi Dewan Komisaris diatur sebagai berikut: enhancement programs for the Board of Commissioners
as follows:
1. Program peningkatan kompetensi dilaksanakan dalam 1. The competency enhancement program is implemented
rangka meningkatkan efektivitas kerja Dewan Komisaris; to improve the work effectiveness of the Board
2. Rencana untuk melaksanakan program peningkatan of Commissioners;
kompetensi harus dimasukkan dalam rencana kerja dan 2. To implement the competency enhancement, the planning
anggaran Dewan Komisaris; program must be included in the work plan and budget of
3. Setiap Anggota Dewan Komisaris yang mengikuti program the Board of Commissioners;
peningkatan kompetensi seperti seminar dan/atau 3. Each member of the Board of Commissioners who
pelatihan diminta untuk menyajikan presentasi kepada participates in the competency enhancement programs,
anggota Dewan Komisaris lainnya dalam rangka berbagi such as seminars and/or training, is required to
informasi dan pengetahuan. provide presentations to other members of the Board
4. Anggota Dewan Komisaris yang bersangkutan of Commissioners in order to share information
bertanggung jawab untuk membuat laporan tentang and knowledge.
pelaksanaan program peningkatan kompetensi; 4. The member of the Board of Commissioners concerned
5. Laporan tersebut disampaikan kepada Dewan Komisaris. is responsible for making reports on the implementation
of the competency enhancement program;
5. The report is submitted to the Board of Commissioners.
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Sepanjang tahun 2023, Dewan Komisaris telah mengikuti The following are competency enhancement programs
sejumlah program peningkatan kompetensi sebagai berikut: attended by Members of the Board of Commissioners
in 2023:
Program Peningkatan Kompetensi
Nama Competency Enhancement Program
Name Tempat dan Tanggal Subjek Penyelenggara
Date and Place Subject Organizer
Dian Masyita Virtual Zoom/3 Maret 2023 Kick Off Meeting Tantangan dan Indonesia Risk Management
Virtual Zoom/3 March 2023 Peluang Profesi Manajemen Risiko Professional Association (IRMAPA)
dalam Pencapaian Tujuan Keuangan
Berkelanjutan.
Kick Off Meeting Challenges and
Opportunities for the Risk Management
Profession in Achieving Sustainable
Financial Goals.
Virtual Zoom/15 Maret 2023 Webinar Internasional Global Turmoil: Enterprise Risk Management Academy
Virtual Zoom/15 March 2023 The Unpredictable Landscape. (ERMA)
Global Turmoil International Webinar:
The Unpredictable Landscape.
Virtual Zoom/16 Maret 2023 Webinar Risk Management Forum Forum Pertamina
Virtual Zoom/16 March 2023 Pertamina Across the Group 2023.
Virtual Zoom/27 September 2023 Optimizing Business Continuity Strategy Indonesia Risk Management
Virtual Zoom/27 September 2023 to Achieve Sustainable Objectives. Professional Association (IRMAPA)
Virtual Zoom/11-14 Oktober 2023 27th Indonesia Rendezvous 2023. Asosiasi Asuransi Umum Indonesia
Virtual Zoom/11-14 October 2023 (AAUI)
Indonesian General Insurance
Association (AAUI)
Amelia Virtual Zoom/3 Maret 2023 Kick Off Meeting Tantangan dan Indonesia Risk Management
Kurniawan 1) Virtual Zoom/3 March 2023 Peluang Profesi Manajemen Risiko Professional Association (IRMAPA)
dalam Pencapaian Tujuan Keuangan
Berkelanjutan.
Kick Off Meeting Challenges and
Opportunities for the Risk Management
Profession in Achieving Sustainable
Financial Goals.
Virtual Zoom/15 Maret 2023 Webinar Internasional Global Turmoil: The Enterprise Risk Management Academy
Virtual Zoom/15 March 2023 Unpredictable Landscape. (ERMA)
Global Turmoil International Webinar:
The Unpredictable Landscape.
Bagus Agung Virtual Zoom/21 Februari 2023 HR Audit & Menyusun Program Kerja HR Widya Dharma Artha
Rahadiansyah 2) Virtual Zoom/21 February 2023 sebagai Langkah Pengendalian Risiko
Operasional Perusahaan.
HR Audit and Developing HR Work
Programs as Measures to Control
Company Operational Risk.
Virtual Zoom/23-24 Februari 2023 Simulation Based Workshop of Key Risk Center Risk Management of Studies
Virtual Zoom/23-24 February 2023 Indicators (CRMS)
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Program Peningkatan Kompetensi
Nama Competency Enhancement Program
Name Tempat dan Tanggal Subjek Penyelenggara
Date and Place Subject Organizer
Virtual Zoom/3 Maret 2023 Kick Off Meeting Tantangan dan Indonesia Risk Management
Virtual Zoom/3 March 2023 Peluang Profesi Manajemen Risiko Professional Association (IRMAPA)
dalam Pencapaian Tujuan Keuangan
Berkelanjutan.
Kick Off Meeting Challenges and
Opportunities for the Risk Management
Profession in Achieving Sustainable
Financial Goals.
Virtual Zoom/15 Maret 2023 Webinar Internasional Global Turmoil: The Enterprise Risk Management Academy
Virtual Zoom/15 March 2023 Unpredictable Landscape. (ERMA)
Global Turmoil International Webinar:
The Unpredictable Landscape.
Virtual Zoom/17 Juli 2023 Penerapan Manajemen Risiko Sudah Widya Dharma Artha
Virtual Zoom/17 July 2023 Efektif.
Implementation of Risk Management is
Effective.
Virtual Zoom/29 Juli 2023 Digital Risk Management Widya Dharma Artha
Virtual Zoom/29 July 2023
Adi Zakaria Afiff 3) Virtual Zoom/3 Maret 2023 Kick Off Meeting Tantangan dan Indonesia Risk Management
Virtual Zoom/3 March 2023 Peluang Profesi Manajemen Risiko Professional Association (IRMAPA)
dalam Pencapaian Tujuan Keuangan
Berkelanjutan.
Kick Off Meeting Challenges and
Opportunities for the Risk Management
Profession in Achieving Sustainable
Financial Goals.
Samuel Lie Virtual Zoom/30 Mei 2023 & 2, 9 Juni Inhouse Training dan Ujian Sertifikasi Widya Dharma Artha
(Samuel Ramna) 4) 2023 Manajemen Risiko Kompetensi Qualified
Virtual Zoom/30 May 2023 and 2, 9 Risk Governance Professional (QRGP).
June 2023
Inhouse Training and Risk Management
Certification Examination Qualified
Risk Governance Professional (QRGP)
Competency.
Poerwo Tjahjono Virtual Zoom/23-24 Februari 2023 Simulation Based Workshop of Key Risk Center Risk Management of Studies
Virtual Zoom/23-24 February 2023 Indicators. (CRMS)
Virtual Zoom/3 Maret 2023 Kick Off Meeting Tantangan dan Indonesia Risk Management
Virtual Zoom/3 March 2023 Peluang Profesi Manajemen Risiko Professional Association (IRMAPA)
dalam Pencapaian Tujuan Keuangan
Berkelanjutan.
Kick Off Meeting Challenges and
Opportunities for the Risk Management
Profession in Achieving Sustainable
Financial Goals.
Virtual Zoom/6 April 2023 Webinar Level 7 "Manajemen Risiko Itikad Academy
Virtual Zoom/6 April 2023 Perusahaan Pialang Asuransi".
Webinar Level 7 "Risk Management of
Insurance Brokerage Companies".
Virtual Zoom/19 Agustus 2023 AP Analysis IFRS S1 and S2. Forum Akuntan Manajemen
Virtual Zoom/19 August 2023 Management Accountants Forum
Virtual Zoom/14 & 15 September 2023 Refreshment Certified Risko Professional IRBA (Indonesia Risk & Business
Virtual Zoom/14 & 15 September 2023 (CRP) 2023. Advisory) Group
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Program Peningkatan Kompetensi
Nama Competency Enhancement Program
Name Tempat dan Tanggal Subjek Penyelenggara
Date and Place Subject Organizer
Virtual Zoom/27 September 2023 Optimizing Business Continuity Strategy Indonesia Risk Management
Virtual Zoom/27 September 2023 to Achieve Sustainable Objectives. Professional Association (IRMAPA)
Ballroom Puri Agung Hotel Sahid Mengawal Keberlanjutan dan Ikatan Komite Audit Indonesia (IKAI)
Jaya/19 Oktober 2023 Pertumbuhan Perseroan melalui Indonesian Audit Committee Association
Puri Agung Hotel Sahid Jaya Pengawasan dan Pengendalian Risiko. (IKAI)
Ballroom/19 October 2023
Overseeing the Company's Sustainability
and Growth through Supervision and
Risk Control.
Tajudin Noor 5) Virtual Zoom/22, 24, 30 Mei 2023 Inhouse Training dan Ujian Sertifikasi Widya Dharma Artha
Virtual Zoom/22, 24, 30 May 2023 Manajemen Risiko Kompetensi Qualified
Risk Governance Profesional (QRGP).
Inhouse Training and Risk Management
Certification Examination Qualified
Risk Governance Professional (QRGP)
Competency.
Virtual Zoom/12 Desember 2023 Sosialisasi POJK Anti Pencucian Uang, Tugu Institute
Virtual Zoom/12 December 2023 Pencegahan Pendanaan Terorisme,
dan Pencegahan Pendanaan Proliferasi
Senjata Pemusnah Massal (APU, PPT,
dan PPPSPM).
Dissemination of POJK on Anti-Money
Laundering, Prevention of Terrorism
Financing, and Prevention of Funding for
the Proliferation of Weapons of Mass
Destruction (APU, PPT, and PPPSPM).
1)
Tidak lagi menjabat sebagai Komisaris sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
2)
Efektif menjabat sebagai Komisaris sejak 23 Juni 2023 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK).
3)
Tidak lagi menjabat sebagai Komisaris Independen sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
4)
Efektif menjabat sebagai Komisaris sejak 4 Desember 2023 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK).
5)
Efektif menjabat sebagai Komisaris Independen sejak 18 Januari 2024 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK).
1)
No longer serves as Commissioner since the closing of the Annual GMS on 28 April 2023.
2)
Effectively serving as Commissioner since 23 June 2023 based on the results of Fit and Proper Test from the Financial Services Authority (OJK).
3)
No longer serves as Independent Commissioner since the closing of the Annual GMS on 28 April 2023.
4)
Effectively serving as Commissioner since 4 December 2023 based on the results of Fit and Proper Test from the Financial Services Authority (OJK).
5)
Effectively serving as Independent Commissioner since 18 January 2024 based on the results of the Fit and Proper Test from the Financial Services Authority
(OJK).
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Penilaian Kinerja Komite di Bawah Dewan Komisaris
Performance Assessment of the Committee under the Board of Commissioners
Dewan Komisaris membentuk komite sebagai upaya To support the effectiveness of the implementation of their
mendukung efektivitas pelaksanaan tugas dan tanggung duties and responsibilities, the Board of Commissioners has
jawabnya, di antaranya Komite Audit, Komite Pemantau formed the Audit Committee, the Risk Monitoring Committee,
Risiko, dan Komite Nominasi dan Remunerasi, sesuai and the Nomination and Remuneration Committee, in
dengan perkembangan peraturan perundang-undangan yang accordance with the development of prevailing legislation
berlaku dan/atau sesuai dengan kebutuhan Perseroan. and/or according to the needs of the Company. The
Komite yang dibentuk mempunyai tugas membantu Dewan established committees have duties to assist the Board
Komisaris dalam memantau, mengevaluasi dan memastikan of Commissioners in monitoring, evaluating, and ensuring
antara lain namun tidak terbatas pada: efektivitas informasi among others but not limited to: the effectiveness of
keuangan, sistem pengendalian internal, penerapan financial information, internal control system, implementation
manajemen risiko, pelaksanaan audit internal, pelaksanaan of risk management, implementation of internal audit,
audit eksternal, kepatuhan dan penanganan pengaduan implementation of external audit, compliance and handling
terkait pelaporan keuangan, penerapan prinsip-prinsip of complaints related to financial reporting, implementation
tata kelola sesuai peraturan yang berlaku serta fungsi of corporate governance principles in accordance applicable
nominasi dan remunerasi bagi Direksi dan Dewan Komisaris regulations as well as nomination and remuneration function
(berkoordinasi dengan induk perusahaan). Untuk membantu for the Board of Directors and Board of Commissioners (in
kelancaran pelaksanaan tugasnya, Dewan Komisaris juga coordination with the parent company). To help smooth the
berhak mendapatkan bantuan Sekretaris Dewan Komisaris implementation of their duties, the Board of Commissioners
atas biaya Perseroan. also has the right to receive assistance from the Secretary
of the Board of Commissioners at the Company’s expense.
Dalam menjalankan fungsi pengawasan, Dewan Komisaris In performing its supervisory function, the Board of
melakukan penilaian kinerja terhadap komite-komite di Commissioners also conducts performance assessments
bawah Dewan Komisaris. Penilaian kinerja ini dilakukan of the committees under the Board of Commissioners.
secara berkala dengan melakukan penilaian 360o This performance assessment is carried out periodically
menggunakan AKHLAK Behavior Survey dan Key Performance by conducting a 360o assessment using the AKHLAK
Indicator (KPI) yang antara lain mencakup aspek-aspek Behavior Survey and Key Performance Indicator (KPI) which
perencanaan, pelaksanaan tugas, pelaporan, dan dinamis. include the planning, duty implementation, reporting, and
dynamic aspects.
Pelaksanaan Program/Rencana Kerja Komite dilakukan The Committee Programs/Work Plans are carried out
melalui mekanisme rapat komite termasuk dengan through a committee meeting mechanism by inviting related
mengundang divisi-divisi/satuan kerja terkait serta divisions/work units as well as in-depth review/evaluation by
penelaahan/evaluasi/review secara mendalam oleh masing- each committee outside the meeting forum. The results are
masing komite di luar forum rapat yang hasilnya disampaikan submitted in writing to the Board of Commissioners.
secara tertulis kepada Dewan Komisaris.
Pada tahun 2023, Dewan Komisaris menilai Komite-Komite The Board of Commissioners assesses that the Committees
di bawah Dewan Komisaris telah melaksanakan tugas dan under the Board of Commissioners have performed excellent
tanggung jawabnya dengan baik sesuai dengan Piagam work in fulfilling the duties and responsibilities in 2023 in
Komite dan peraturan perundang-undangan yang berlaku. accordance with the Committee Charters and the prevailing
Adapun uraian mengenai penilaian masing-masing Komite laws and regulations. The description of the assessment of
adalah sebagai berikut: each Committee is as follows:
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Komite dan Fungsi di Bawah
Dewan Komisaris Hasil Penilaian Kinerja
No.
Committees and Function under Performance Assessment Result
the Board of Commissioners
1. Komite Audit Komite Audit telah melakukan telaah atas Laporan Keuangan Perseroan dan Entitas Anak, melakukan
Audit Committee pemantauan kinerja keuangan, mengevaluasi perencanaan dan pelaksanaan audit serta memantau
tindak lanjut hasil audit, dan merekomendasikan penunjukan Kantor Akuntan Publik untuk melakukan
audit atas Laporan Keuangan Perseroan dan Entitas Anak; melakukan penelaahan atas kecukupan
usaha manajemen dalam mendesain dan melaksanakan sistem pengendalian internal yang efektif;
melakukan koordinasi dengan internal auditor dalam pelaksanaan tugasnya; melakukan pemantauan
terhadap efektivitas manajemen dalam upaya penilaian dan pengelolaan risiko serta kepatuhan terhadap
peraturan perundang-undangan; melakukan pemantauan terhadap efektivitas mekanisme pengaduan
dari pegawai atau pihak ketiga yang dilakukan oleh manajemen; serta menjaga kerahasiaan dokumen,
data dan informasi perusahaan.
Dalam melaksanakan tugas dan tanggung jawabnya pada 2023, Komite Audit mengadakan 36 (tiga
puluh enam) kali rapat termasuk rapat koordinasi dengan Komite Komisaris lainnya, dan rapat dengan
manajemen, serta mengikuti pelatihan dan seminar dalam rangka mengembangkan kompetensinya.
The Audit Committee has reviewed the Company's and Subsidiaries' Financial Reports, monitored
financial performance, evaluated audit planning and implementation, as well as monitored the follow-up
to audit results, and recommended the appointment of a Public Accounting Firm to conduct an audit of
the Company's and Subsidiaries' Financial Reports; review the adequacy of management's efforts in
designing and implementing an effective internal control system; coordinate with internal auditors in
carrying out their duties; monitor management effectiveness in assessing and managing risks as well
as compliance with statutory regulations; monitor the effectiveness of complaint mechanisms from
employees or third parties carried out by management; and maintain the confidentiality of Company
documents, data and information.
In carrying out its duties and responsibilities in 2023, the Audit Committee held 36 (thirty six)
meetings including coordination meetings with other Commissioner’s Committees, and meetings with
management, as well as attending training and seminars in order to develop its competence.
2. Komite Pemantau Risiko Komite Pemantau Risiko telah menjalankan tugas untuk membantu Dewan Komisaris dalam mengawasi
Risk Monitoring Committee pelaksanaan manajemen risiko agar sesuai dengan kebijakan Perseroan, antara lain dengan mengawasi
agar keberadaan kebijakan manajemen risiko yang disusun oleh Direksi, termasuk toleransi yang
diambil telah memadai dan sesuai dengan kebutuhan Perseroan; mengawasi pengelolaan risiko di
Perseroan, khususnya usaha dan strategi yang dilakukan Direksi; mengawasi agar pelaporan risiko telah
disampaikan kepada Dewan Komisaris sesuai dengan ketentuan dan kebutuhan Dewan Komisaris,
memastikan dipatuhinya prinsip GCG dan Code of Conduct, mengkaji kinerja direktorat-direktorat, dan
membina hubungan profesional dengan Komite lain dan Manajemen.
Dalam melaksanakan tugas dan tanggung jawabnya pada 2023, Komite Pemantau Risiko mengadakan
13 (tiga belas) kali rapat termasuk rapat koordinasi dengan Komite Komisaris lainnya, dan rapat dengan
manajemen. Program pengembangan Komite Pemantau Risiko dilaksanakan sejalan dengan program
strategis Perseroan, melalui seminar, workshop, dan pelatihan.
The Risk Monitoring Committee has carried out its duties to assist the Board of Commissioners in
supervising the implementation of risk management so that it is in accordance with Company policy,
including by monitoring the existence of risk management policies prepared by the Board of Directors,
including the tolerances taken, are adequate and in accordance with the Company's needs; supervise
risk management in the Company, especially the efforts and strategies carried out by the Board of
Directors; supervise that risk reporting is submitted to the Board of Commissioners in accordance with
the provisions and needs of the Board of Commissioners, ensure compliance with GCG principles and
Code of Conduct, review the performance of directorates, and foster professional relationships with other
Committees and Management.
In carrying out its duties and responsibilities in 2023, the Risk Monitoring Committee held 13 (thirteen)
meetings including coordination meetings with other Commissioners Committees, and meetings with
management. The Risk Monitoring Committee development program is implemented in line with the
Company's strategic program, through seminars, workshops and training.
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Komite dan Fungsi di Bawah
Dewan Komisaris Hasil Penilaian Kinerja
No.
Committees and Function under Performance Assessment Result
the Board of Commissioners
3. Komite Nominasi dan Remunerasi Komite Nominasi dan Remunerasi telah membantu Dewan Komisaris untuk melaksanakan fungsi dan
Nomination and Remuneration tugasnya terkait Nominasi dan Remunerasi anggota Direksi dan Dewan Komisaris serta nominasi
Committee Group Head antara lain melalui pemberian rekomendasi kepada Dewan Komisaris terkait komposisi
jabatan anggota Dewan Komisaris dan Direksi, kebijakan dan kriteria yang dibutuhkan dalam proses
Nominasi, kebijakan evaluasi kinerja anggota Dewan Komisaris dan Direksi, membantu Dewan Komisaris
melakukan penilaian kinerja berdasarkan tolak ukur yang telah ditetapkan dan kesesuaian remunerasi
yang diterima, memberikan rekomendasi terkait program pengembangan kompetensi anggota Dewan
Komisaris dan Direksi. Komite Nominasi dan Remunerasi memberikan pertimbangan terkait struktur,
kebijakan dan besaran Remunerasi.
Dalam melaksanakan tugas dan tanggung jawabnya pada 2023, Komite Nominasi dan Remunerasi
mengadakan 16 (enam belas) kali rapat. Disamping itu, tugas tambahan yang diberikan kepada anggota
Komite juga telah dilaksanakan sesuai dengan arahan dan hasil rapat internal maupun dengan pihak
lain yang terkait dalam rangka pencapaian program strategis Perseroan.
The Nomination and Remuneration Committee has assisted the Board of Commissioners to carry out its
functions and duties regarding the Nomination and Remuneration of members of the Board of Directors
and Board of Commissioners as well as the nomination of Group Head level including by providing
recommendations to the Board of Commissioners regarding the composition of members of the Board
of Commissioners and Board of Directors, policies and criteria required in the Nomination process,
performance evaluation policies for members of the Board of Commissioners and Directors, assist the
Board of Commissioners in conducting performance assessments based on predetermined benchmarks
and suitability of remuneration received, provide recommendations regarding competency development
programs for members of the Board of Commissioners and Directors. The Nomination and Remuneration
Committee provides considerations related to structure, policies and amount of Remuneration.
In carrying out its duties and responsibilities in 2023, the Nomination and Remuneration Committee
held 16 (sixteen) meetings. In addition, additional tasks given to Committee members have also been
carried out in accordance with the guidance and results of internal meetings and with other related
parties in order to achieve the Company's strategic program.
4. Sekretaris Dewan Komisaris Sekretaris Dewan Komisaris telah membantu Dewan Komisaris sebagai koordinator dalam seluruh
Secretary of the Board of kegiatan administrasi yang dilaksanakan di Sekretariat Dewan Komisaris; koordinator kegiatan Dewan
Commissioners Komisaris di Perseroan, seperti rapat, pertemuan dan lain-lain; bersama Komite Dewan Komisaris,
menyusun Rencana Kegiatan dan Anggaran (RKA) Dewan Komisaris setiap tahun; bersama Komite
Dewan Komisaris, melakukan analisis RKAP Perseroan, Business Plan Perseroan dan rekomendasinya
kepada Dewan Komisaris; membuat notulis dan membuat summary pada setiap rapat antara Dewan
Komisaris dan Direksi Tugu Insurance; serta tugas-tugas lain yang berhubungan dengan bidang
kesekretariatan Dewan Komisaris.
The Secretary of the Board of Commissioners has assisted the Board of Commissioners as the
coordinator in all administrative activities conducted at the Secretariat of the Board of Commissioners;
as a coordinator of the activities of the Board of Commissioners at the Company, such as meetings,
gatherings and others; create the Board of Commissioners' Activities and Budget Plan (RKA) annually
in collaboration with the Commissioners' Committees; analyze the Company’s RKAP, the Company’s
Business Plan and recommendations to the Board of Commissioners in collaboration with the
Commissioners’ Committees; make minutes summaries of each meeting between the Board of
Commissioners and the Board of Directors of Tugu Insurance; as well as other tasks related to the Board
of Commissioners’ secretariat.
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3.C.
Direksi
Board of Directors
Direksi merupakan Organ Perseroan yang memiliki wewenang The Board of Directors is the Company’s Organ fully
dan tanggung jawab penuh dalam pengelolaan Perseroan authorized and responsible for managing the Company
agar dapat memberikan nilai tambah dan memastikan in order to produce added value and ensure business
kesinambungan usaha. Masing-masing anggota Direksi continuity. Each member of the Board of Directors
memiliki fokus tugas dan wewenang sesuai dengan yang implements his duties and makes decisions in accordance
telah ditentukan pada Anggaran Dasar serta mematuhi with the segregation of duties and authorities stipulated in
peraturan perundang-undangan yang berlaku. the Articles of Association with due observance of prevailing
laws and regulations.
Rapat Umum Pemegang Saham (RUPS) memiliki hak The General Meeting of Shareholders (GMS) has the final
tertinggi dalam pengangkatan dan pemberhentian anggota authority in the appointment and dismissal of members of
Direksi. Sebagai wujud akuntabilitas, Direksi bertanggung the Board of Directors. As a realization of accountability, the
jawab secara penuh atas pelaporan pengelolaan Perseroan Board of Directors is fully responsible for the Company’s
pada RUPS dalam rangka menerapkan prinsip-prinsip management report submitted to the GMS as an
tata kelola. implementation of GCG principles.
Ketentuan Masa Jabatan Direksi
Provisions for Term of Office of the Board of Directors
Berdasarkan ketentuan yang telah ditetapkan dalam RUPS, As determined in GMS, the term of office of a member of the
masa jabatan anggota Direksi yang diangkat oleh RUPS Board of Directors appointed by GMS is effective from the
berlaku efektif sejak tanggal diperolehnya penetapan lulus date that they have passed the OJK’s fit and proper test and
uji kemampuan dan kepatutan OJK dan berakhir pada ends at the close of the 3rd (third) Annual GMS at the end of
penutupan RUPS Tahunan ke 3 (tiga) pada akhir 1 (satu) the 1 (one) period of the said term of office without prejudice
periode masa jabatan, dengan tidak mengurangi hak RUPS to the GMS right to dismiss at any time before their term of
tersebut untuk memberhentikan sewaktu-waktu sebelum office ends.
masa jabatannya berakhir.
Masa jabatan anggota Direksi berakhir apabila anggota The term of office of a member of the Board of Directors
Direksi tersebut: automatically ends, if the member of the Board of Director:
1. Mengundurkan diri; 1. Resign;
2. Meninggal dunia; 2. Passed Away;
3. Diberhentikan berdasarkan keputusan Rapat Umum 3. Dismiss based on the resolution of the General Meeting
Pemegang Saham; of Shareholders;
4. Ditaruh di bawah pengampuan berdasarkan suatu 4. Be placed under interdiction based on a court resolution;
putusan pengadilan; 5. No longer meeting the requirements of the
5. Tidak lagi memenuhi persyaratan perundang-undangan applicable laws.
yang berlaku.
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Komposisi Direksi Tahun 2023
The Board of Directors Composition in 2023
Tugu Insurance menetapkan komposisi Direksi berdasarkan The composition of Tugu Insurance Board of Directors is
pada kompleksitas bisnis Perseroan dan struktur organisasi adjusted to the size of the Company’s business complexity
sehingga memungkinkan pengambilan putusan yang activities and organizational structure to enable effective,
efektif, tepat dan cepat dalam rangka pencapaian tujuan- precise and fast decision-making in order to achieve the
tujuan Perseroan. Board Manual mengatur bahwa jumlah Company’s goals. The Board Manual stipulated the number
anggota Direksi sekurang-kurangnya adalah 3 (tiga) orang, of the Board of Directors members is at least 3 (three)
dan 1 (satu) di antara anggota Direksi tersebut adalah and 1 (one) of the Board of Directors members is the
Presiden Direktur. President Director.
Di tahun 2023, komposisi Direksi Tugu Insurance mengalami In 2023, there were changes in the composition of Tugu
perubahan sesuai dengan keputusan RUPS Tahunan tanggal Insurance Board of Directors pursuant to the Annual GMS
28 April 2023. Informasi lengkap mengenai perubahan resolution on 28 April 2023. The complete information
komposisi Direksi Tugu Insurance sepanjang tahun 2023 regarding changes in the composition of the Tugu Insurance
dapat dilihat pada Bab Profil Perusahaan dalam Laporan Board of Directors throughout 2023 can be seen in the
Tahunan ini. Company Profile Chapter in this Annual Report.
Adapun komposisi Direksi Tugu Insurance per 31 Desember The composition of the Tugu Insurance Board of Directors as
2023 adalah sebagai berikut: of 31 December 2023 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 Guidelines (Board Manual)
Dalam menjalankan tugas dan tanggung jawabnya, Direksi In carrying out its duties and responsibilities, the Board
memiliki Pedoman (Board Manual) mengacu pada POJK No. of Directors has a Board Manual referring to POJK
33/2014 yang berisi tentang tugas pokok dan fungsi kerja. No. 33/2014 which contains the main duties and
Pada tanggal 31 Desember 2021, Dewan Komisaris dan work functions. On 31 December 2021, the Board of
Direksi telah mengesahkan Board Manual yang tidak dapat Commissioners and Board of Directors have ratified the
dipisahkan dari Anggaran Dasar Perusahaan dan GCG Soft Board Manual which is an integral part of the Company's
Structure Perseroan. Board Manual berlaku bagi pelaksanaan Articles of Association and GCG Soft Structure. The
hubungan kerja antar Dewan Komisaris dan Direksi dengan Board Manual applies to the implementation of working
mengacu kepada ketentuan yang terdapat dalam Anggaran relationships between the Board of Commissioners and the
Dasar Perseroan, dan/atau ketentuan peraturan perundang- Board of Directors by referring to the provisions contained in
undangan yang berlaku. the Company's Articles of Association, and/or the provisions
of applicable laws and regulations.
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Adapun hal-hal yang diatur terkait Direksi dalam Board The Board of Directors matters provided in the Board Manual
Manual, antara lain: include, among others,
1. Persyaratan, rangkap jabatan, komposisi, dan masa 1. Requirements, concurrent positions, composition, and
jabatan Direksi; the term of office of the Board of Directors;
2. Tugas, wewenang, kewajiban, dan tanggung jawab Direksi; 2. The duties, authorities, obligations, and responsibilities
3. Rapat Direksi; of the Board of Directors;
4. Waktu kerja Direksi; 3. Board of Directors meeting;
5. Komunikasi Direksi; 4. The working hours of the Board of Directors;
6. Direksi dalam RUPS; 5. Board of Directors communication;
7. Batasan & wewenang Direksi; 6. The Board of Directors in the GMS;
8. Fungsi pendukung; dan 7. Limitation & authorities 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 duties and obligations as follows:
1. Direksi bertugas menjalankan segala tindakan yang 1. The Board of Directors is assigned to perform all actions
berkaitan dengan pengurusan Perseroan untuk related to the management of the Company for the
kepentingan Perseroan dan sesuai dengan maksud benefit of the Company and in accordance with the aims
dan tujuan Perseroan serta mewakili Perseroan baik di and objectives of the Company as well as representing
dalam maupun di luar Pengadilan tentang segala hal the Company both inside and outside the Court of all
dan segala kejadian dengan pembatasan-pembatasan matters and all events with restrictions as regulated
sebagaimana diatur dalam peraturan perundang- in statutory regulations, Articles of Association and/or
undangan, Anggaran Dasar dan/atau Keputusan Rapat General Meeting of Shareholders’ Resolutions;
Umum Pemegang Saham; 2. Conducting and assuring the implementation of the
2. Mengusahakan dan menjamin terlaksananya usaha dan Company’s business and activities in accordance with the
kegiatan Perseroan sesuai dengan maksud dan tujuan aims and objectives as well as its business activities;
serta kegiatan usahanya; 3. Preparing the Company’s Long-Term Plan, Work Plan
3. Menyiapkan pada waktunya Rencana Jangka Panjang and Budget, along with the amendments, and submit
Perseroan (RJPP), Rencana Kerja dan Anggaran Perseroan it in timely manner to the Board of Commissioners
(RKAP), dan perubahannya serta menyampaikannya for approval;
kepada Dewan Komisaris untuk mendapatkan 4. Providing an explanation to the Board of Commissioners
persetujuan dari Dewan Komisaris; regarding the Company’s Long Term Plan and the
4. Memberikan penjelasan kepada Dewan Komisaris Company’s Work Plan and Budget;
mengenai RJPP dan RKAP; 5. Preparing Annual Report as a form of accountability
5. Membuat Laporan Tahunan sebagai wujud for the management of the Company, as well as the
pertanggungjawaban pengurusan Perseroan, serta Company’s financial documents as referred to in the Law
dokumen keuangan Perseroan sebagaimana dimaksud concerning Company Documents;
dalam Undang-undang tentang Dokumen Perusahaan; 6. Preparing Financial Statements based on Financial
6. Menyusun Laporan Keuangan berdasarkan Standar Accounting Standards and submit to the Public
Akuntansi Keuangan dan menyerahkan kepada Akuntan Accountant to be audited;
Publik untuk diaudit; 7. Submitting and providing an explanation of the Annual
7. Menyampaikan dan memberikan penjelasan Laporan Report including the Financial Statements to the General
Tahunan termasuk Laporan Keuangan kepada Rapat Meeting of Shareholders for approval;
Umum Pemegang Saham untuk disetujui dan disahkan; 8. Submitting the Balance Sheet, Income Statement
8. Menyampaikan Neraca, Laporan Laba Rugi dan and changes in the Board of Directors and Board of
perubahan Direksi dan Dewan Komisaris yang disahkan Commissioners which are approved by the General
oleh Rapat Umum Pemegang Saham kepada Menteri Meeting of Shareholders to the Minister in charge of Law
yang membidangi Hukum dan Hak Asasi Manusia sesuai and Human Rights in accordance with the provisions of
dengan ketentuan peraturan perundang-undangan; the legislation;
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9. Memelihara dan menyimpan di tempat kedudukan 9. Maintaining and keeping the Company’s important
Perseroan: Daftar Pemegang Saham, Daftar Khusus, document of: Register of Shareholders, Special
Risalah Rapat Umum Pemegang Saham, Risalah Rapat Register, Minutes of General Meeting of Shareholders,
Dewan Komisaris dan Risalah Rapat Direksi, Laporan Minutes of Meeting of the Board of Commissioners
Tahunan dan dokumen keuangan Perseroan, dan and Minutes of Directors Meeting, Annual Report and
dokumen Perseroan lainnya; financial documents of the Company, and other corporate
10. Menyusun sistem akuntansi sesuai dengan Standar documents;
Akuntansi Keuangan dan berdasarkan prinsip-prinsip 10. Arranging the accounting system in accordance with
pengendalian intern, terutama pemisahan fungsi Financial Accounting Standards and based on the
pengurusan, pencatatan, penyimpanan dan pengawasan; principles of internal control, especially the separation
11. Memberikan laporan berkala menurut cara dan waktu of management, recording, storage and supervision
sesuai dengan ketentuan yang berlaku, serta laporan functions;
lainnya setiap kali diminta oleh Dewan Komisaris; 11. Providing periodic reports according to the manner and
12. Menyiapkan susunan organisasi Perseroan lengkap time in accordance with applicable regulations, as well
dengan perincian dan tugasnya; as other reports whenever requested by the Board of
13. Memberikan penjelasan tentang segala hal yang Commissioners;
ditanyakan atau yang diminta anggota Dewan Komisaris; 12. Preparing the Company’s organizational structure
14. Menyusun dan menetapkan struktur organisasi complete with details and duties;
Perseroan; 13. Providing an explanation of every inquiry or requested by
15. Menjalankan kewajiban-kewajiban lainnya sesuai dengan members of the Board of Commissioners;
ketentuan yang diatur dalam Anggaran Dasar dan 14. Compiling and determining the organizational structure of
yang ditetapkan oleh Rapat Umum Pemegang Saham the Company;
berdasarkan peraturan perundang-undangan; 15. Carrying out other obligations in accordance with the
16. Dalam menjalankan tugas dan tanggung jawab atas provisions stipulated in the Articles of Association and
pengurusan, Direksi wajib menyelenggarakan RUPS determined by the General Meeting of Shareholders
Tahunan dan RUPS Lainnya sebagaimana diatur dalam based on statutory regulations;
peraturan perundang-undangan dan anggaran dasar; 16. In conducting their duties and responsibilities for the
17. Direksi wajib membentuk komite, dengan memperhatikan management, the Board of Directors must hold an annual
peraturan perundangan yang berlaku; GMS and other GMS as stipulated in the legislation and
18. Dalam hal dibentuk komite, Direksi wajib melakukan articles of association;
evaluasi terhadap kinerja komite setiap akhir tahun buku; 17. The Board of Directors must form a committee, by taking
19. Direksi bersama dengan Dewan Komisaris into account the applicable laws and regulations.
wajib menyusun: 18. If a committee is established, the Board of Directors
a. Pedoman yang mengikat setiap anggota Direksi dan shall evaluate the performance of the committee at the
Dewan Komisaris, sesuai dengan ketentuan peraturan end of the financial year;
perundangan yang berlaku; 19. The Board of Directors together with the Board of
b. Kode etik yang berlaku bagi seluruh anggota Direksi Commissioners must prepare:
dan anggota Dewan Komisaris, karyawan/pegawai, a. Guidelines that bind every member of the Board
serta pendukung organ yang dimiliki Perseroan, of Directors and the Board of Commissioners, in
sesuai dengan ketentuan peraturan perundangan accordance with the provisions of the applicable laws
yang berlaku. and regulations;
20. Setiap anggota Direksi bertanggung jawab penuh b. Code of conduct that applies to all members of the
secara tanggung renteng atas kerugian Perseroan yang Board of Directors and members of the Board of
disebabkan oleh kesalahan atau kelalaian anggota Commissioners, employees, and supporting organs
Direksi dalam menjalankan tugasnya; owned by the Company, in accordance with the
provisions of the applicable laws and regulations.
20. Each member of the Board of Directors is fully and jointly
responsible for the Company’s losses caused by errors or
negligence of the members of the Board of Directors in
carrying out their duties;
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21. Anggota Direksi tidak dapat dipertanggungjawabkan atas 21. Members of the Board of Directors cannot be held
kerugian Perseroan, apabila dapat membuktikan: responsible for the Company’s losses, if they can prove:
a. Kerugian tersebut bukan karena kesalahan atau a. The loss is not due to an error or negligence;
kelalaiannya; b. Arrangements made with good intention, full
b. Telah melakukan pengurusan dengan itikad baik, responsibility and prudence for the interests and
penuh tanggung jawab, dan kehati-hatian untuk in accordance with the aims and objectives of the
kepentingan dan sesuai dengan maksud dan tujuan Company;
Perseroan; c. No conflict of interest, either directly or indirectly, with
c. Tidak mempunyai benturan kepentingan baik langsung the management actions that result in losses; and
maupun tidak langsung atas tindakan pengurusan d. Have taken measurements to prevent such losses
yang mengakibatkan kerugian; dan arising or continuing.
d. Telah mengambil tindakan untuk mencegah timbul 22. The Board of Directors represent the Company legally
atau berlanjutnya kerugian tersebut. and directly both inside and outside of the court of all
22. Direksi mewakili Perseroan secara sah dan secara matters and in all incidents, binding the Company with
langsung baik didalam maupun di luar pengadilan other parties and other parties with the Company and
tentang segala hal dan dalam segala kejadian, mengikat carrying out all actions, both regarding management and
Perseroan dengan pihak lain dan pihak lain dengan ownership, with restrictions;
Perseroan serta menjalankan segala tindakan, baik yang 23. In carrying out their duties and responsibilities for the
mengenai kepengurusan maupun kepemilikan, dengan management of the Company, the Board of Directors
pembatasan; must hold an annual GMS and other GMS as stipulated
23. Dalam menjalankan tugas dan tanggung jawab atas in the legislation and articles of association;
pengurusan Perseroan, Direksi wajib menyelenggarakan 24. Each member of the Board of Directors must carry out
RUPS Tahunan dan RUPS Lainnya sebagaimana their duties and responsibilities with good intention, full
diatur dalam peraturan perundang-undangan dan responsibility and prudence.
anggaran dasar;
24. Setiap anggota Direksi wajib melaksanakan tugas dan
tanggung jawab dengan itikad baik, penuh tanggung
jawab, dan kehati-hatian.
Wewenang Direksi
The Authorities of the Board of Directors
Direksi memiliki wewenang untuk menetapkan kebijakan The Board of Directors is authorized to determine the
kepengurusan Perseroan yang meliputi: management policies of the Company, including to:
1. Mengatur penyerahan kekuasaan Direksi untuk mewakili 1. Regulate the delegation of the Board of Directors
Perseroan di dalam dan di luar Pengadilan kepada mandate to represent the Company both inside and
seorang atau beberapa orang anggota Direksi yang outside of the Court to one or several members of the
khusus ditunjuk untuk itu atau kepada seorang atau Board of Directors who are specifically appointed for that
beberapa orang pekerja Perseroan baik sendiri-sendiri purpose or to one or several employees of the Company
maupun bersama-sama atau kepada orang lain dan either individually or collectively or to other people and
mengatur penyerahan kekuasaan Direksi untuk mewakili arrange the transfer of power of the Board of Directors
Perseroan kepada Kepala Cabang atau Kepala Perwakilan to represent the Company to Branch Heads or Heads of
di dalam atau di luar negeri; Representatives at home or abroad;
2. Mengatur ketentuan-ketentuan tentang kepegawaian 2. Regulate the provision regarding the employment of
Perseroan termasuk penetapan gaji, pensiun atau the Company including the determination of salaries,
jaminan hari tua dan penghasilan lain bagi pekerja pensions and other income for the employees of the
Perseroan berdasarkan peraturan perundang-undangan Company based on the prevailing laws and regulations
yang berlaku dan keputusan Rapat Umum Pemegang and the resolutions of the General Meeting of
Saham; Shareholders;
3. Mengangkat dan memberhentikan pekerja Perseroan 3. Appoint and terminate the Company’s employees based
berdasarkan peraturan kepegawaian Perseroan dan on the Company’s employment regulations and the
peraturan perundang-undangan yang berlaku; prevailing laws and regulations;
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4. Melakukan segala tindakan dan perbuatan lainnya 4. Conduct all other actions regarding the management or
mengenai pengurusan maupun pemilikan kekayaan ownership of the Company’s assets, bind the Company
Perseroan, mengikat Perseroan dengan pihak lain dan/ with other parties and/or other parties with the Company,
atau pihak lain dengan Perseroan, serta mewakili and represent the Company both inside and outside
Perseroan di dalam dan di luar Pengadilan tentang segala of the Court regarding all matters and all events with
hal dan segala kejadian dengan pembatasan-pembatasan restrictions as regulated in laws and regulations,
sebagaimana diatur dalam peraturan perundang- Articles of Association and/or General Meeting of
undangan, Anggaran Dasar dan/atau Keputusan Rapat Shareholders Decisions;
Umum Pemegang Saham; 5. President Director has the rights and authorities to
5. Presiden Direktur berhak dan berwenang bertindak untuk act for and on behalf of the Board of Directors, and is
dan atas nama Direksi serta sah mewakili Perseroan; legitimate to represent the Company;
6. Dalam hal Presiden Direktur tidak hadir atau berhalangan 6. In the event the President Director is unable to attend,
karena sebab apapun juga, maka Presiden Direktur the President Director appoints one of members of the
melakukan penunjukan kepada salah seorang anggota Board of Directors for and on behalf of the Board of
Direksi lainnya untuk dan atas nama Direksi serta sah Directors who is legitimate to represent the Company;
mewakili Perseroan; 7. In the event the President Director is unable to make an
7. Dalam hal Presiden Direktur tidak melakukan penunjukan appointment, one of members of the Board of Directors
maka salah seorang Direksi berhak dan berwenang is authorized and righteous to act for and on behalf
bertindak untuk dan atas nama Direksi serta sah of the Board of Directors and legitimate to represent
mewakili Perseroan berdasarkan penunjukan dari the Company based on the appointment from the
Rapat Direksi; Directors Meeting;
8. Anggota Direksi tidak berwenang mewakili 8. Members of the Board of Directors are not authorized to
Perseroan apabila: represent the Company, if:
a. Terjadi perkara di pengadilan antara Perseroan a. There is a dispute in court 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 member of the Board of Directors concerned has
benturan kepentingan dengan Perseroan. a conflict of interest with the Company.
9. Dalam hal terdapat keadaan sebagaimana dimaksud 9. In the event there is a situation as stated in point 8, the
pada poin 8, yang berhak mewakili Perseroan adalah: following has rights to represent the Company:
a. Anggota Direksi lainnya yang tidak mempunyai a. Other members of the Board of Directors who do not
benturan kepentingan dengan Perseroan; have a conflict of interest with the Company;
b. Dewan Komisaris dalam hal seluruh anggota Direksi b. The Board of Commissioners in the event that all
mempunyai benturan kepentingan dengan Perseroan; members of the Board of Directors have a conflict of
atau interest with the Company; or
c. Pihak lain yang ditunjuk oleh RUPS dalam hal seluruh c. Other parties appointed by the GMS if all members
anggota Direksi atau Dewan Komisaris mempunyai of the Board of Directors or Board of Commissioners
benturan kepentingan dengan Perseroan. have a conflict of interest with the Company.
10. Pembagian tugas dan wewenang setiap anggota 10. The segregation of duties and authorities of each
Direksi ditetapkan oleh RUPS. Dalam hal RUPS tidak member of the Board of Directors is determined by the
menetapkan, maka pembagian tugas dan wewenang GMS. In the event the GMS does not determine, the
setiap anggota Direksi ditetapkan berdasarkan duties and authorities of each member of the Board of
keputusan Rapat Direksi. Directors is determined based on the decision of the
Board of Directors Meeting.
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Wewenang Direksi yang Memerlukan Persetujuan Dewan Komisaris
The Board of Directors’ Authorities Requiring the Board of Commissioners’ Approval
Dalam melaksanakan tugas serta tanggung jawabnya, Direksi In performing its duties and responsibilites, the Board of
memerlukan persetujuan tertulis dari Dewan Komisaris Directors must first obtain written approval from the Board
dengan menaati peraturan perundang-undangan yang berlaku of Commissioners, with due observance of the prevailing
dan anggaran dasar Perseroan. Adapun hal-hal yang perlu laws and regulations and the articles of association of
mendapat persetujuan, mengenai: the Company:
1. Membuka atau menutup kantor cabang, kantor 1. To open or close branch offices, representative offices
perwakilan atau jaringan kantor lainnya di tempat lain, or other office networks in other places, both inside and
baik di dalam maupun di luar wilayah Republik Indonesia outside the territory of the Republic of Indonesia as
yang ditetapkan oleh Direksi dengan persetujuan determined by the Board of Directors with the approval of
Dewan Komisaris; the Board of Commissioners;
2. Saham-saham yang masih dalam simpanan akan 2. Shares that are still in portfolio will be issued by the
dikeluarkan Perseroan dengan persetujuan Rapat Company with the approval of the General Meeting of
Umum Pemegang Saham (“RUPS”). Syarat dan harga Shareholders (“GMS”). Certain terms and prices for
tertentu atas saham yang akan dikeluarkan Perseroan shares to be issued by the Company are determined by
ditetapkan oleh Direksi dengan terlebih dahulu mendapat the Board of Directors with prior written approval from the
persetujuan tertulis dari Dewan Komisaris; Board of Commissioners;
3. Menyiapkan pada waktunya Rencana Jangka Panjang 3. To prepare in due time the Company’s Long-Term Plan,
Perseroan (RJPP), Rencana Kerja dan Anggaran Perseroan Work Plan and Budget, and amendments thereof and
(RKAP), dan perubahannya serta menyampaikannya submit them to the Board of Commissioners for approval
kepada Dewan Komisaris untuk mendapatkan from the Board of Commissioners;
persetujuan dari Dewan Komisaris; 4. To borrow or lend money on behalf of the Company
4. Meminjam atau meminjamkan uang atas nama (excluding taking the Company’s money at the Bank), with
Perseroan (tidak termasuk mengambil uang Perseroan a value that has been or will be determined by the Board
meminjam di Bank), dengan nilai yang telah atau akan of Commissioners;
ditetapkan oleh Dewan Komisaris; 5. To pledge the Company’s assets and become a guarantor
5. Mengagunkan harta Perseroan dan menjadi penjamin with a value that exceeds the limit that has been or will
dengan nilai yang melebihi batas yang yang telah atau be determined by the Board of Commissioners;
akan ditetapkan oleh Dewan Komisaris; 6. To dispose fixed assets in the form of land and buildings;
6. Melepaskan aktiva tetap berupa tanah dan bangunan; 7. To write off the fixed assets except land and buildings,
7. Menghapuskan aktiva tetap selain tanah dan bangunan, whose amount is greater than 25% (twenty-five percent)
yang jumlahnya lebih besar dari 25% (dua puluh lima of the total value of the non-consolidated Company’s
perseratus) dari nilai seluruh aktiva tetap Perseroan fixed assets based on the non-consolidated audited
non konsolidasi berdasarkan laporan keuangan audit financial report for the previous fiscal year for the current
non konsolidasi pada tahun buku sebelumnya untuk fiscal year;
keperluan tahun buku berjalan; 8. To write off bad receivables with a value exceeding the
8. Menghapuskan piutang macet dengan nilai yang melebihi limit that has been set or will be determined by the Board
batas yang yang telah atau akan ditetapkan oleh of Commissioners from time to time;
Dewan Komisaris; 9. To establish a new business or participating in other
9. Mendirikan suatu usaha baru atau turut serta pada companies, both at home and abroad, which are not
perusahaan lain, baik di dalam maupun di luar negeri in the framework of salvaging accounts receivable in
yang tidak dalam rangka penyelamatan piutang sesuai accordance with the applicable regulations;
dengan ketentuan yang berlaku; 10. To liquidate, close, release part or all of the participation
10. Melikuidasi, menutup, melepaskan sebagian atau in other companies both inside and outside the country;
seluruh penyertaan pada perusahaan lain baik di dalam 11. To cooperate with business entities or parties outside
maupun di luar negeri; the Company’s operational business activities in the
11. Mengadakan kerja sama dengan badan usaha atau form of joint operations, management contracts and
pihak diluar kegiatan usaha operasional Perseroan other agreements of the same nature with a term or
dalam bentuk kerja sama operasi, kontrak manajemen value that exceeds the limit stipulated by the Board
dan perjanjian-perjanjian lain yang mempunyai sifat yang of Commissioners;
sama dengan jangka waktu atau nilai yang melebihi dari
yang ditetapkan oleh Dewan Komisaris;
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12. Penjualan saham dalam simpanan (saham dalam 12. To sell shares in The Company's subsidiaries' shares in
portepel) pada anak perusahaan Perseroan yang portfolio, which causes the Company’s ownership in the
menyebabkan kepemilikan Perseroan pada perusahaan Company’s subsidiaries to be diluted, resulting in the
anak Perseroan terdilusi sehingga mengakibatkan Company losing control of these subsidiaries;
Perseroan kehilangan pengendalian terhadap anak 13. To perform actions that are included in material
Perseroan tersebut; transactions as stipulated in the Capital Market
13. Melakukan tindakan-tindakan yang termasuk dalam Legislation with a certain value as stipulated by the
transaksi material sebagaimana ditetapkan oleh Board of Commissioners, unless such actions are
peraturan perundang-undangan di bidang Pasar Modal included in material transactions that are exempted by
dengan nilai tertentu yang ditetapkan oleh Dewan the Capital Market Legislation;
Komisaris, kecuali tindakan tersebut termasuk dalam 14. To change the Company’s organizational structure under
transaksi material yang dikecualikan oleh Peraturan the Board of Directors to the group (division) level;
Perundang-undangan di bidang Pasar Modal; 15. Submission of the annual work plan by the Board of
14. Mengubah struktur organisasi Perseroan di bawah Direksi Directors must obtain the approval of the Board of
sampai dengan tingkat group (divisi); Commissioners;
15. Penyampaian rencana kerja tahunan oleh Direksi wajib 16. The distribution of interim dividends is determined based
memperoleh persetujuan Dewan Komisaris; on the decision of the Board of Directors’ Meeting after
16. Pembagian dividen interim ditetapkan berdasarkan obtaining approval from the Board of Commissioners,
keputusan Rapat Direksi setelah memperoleh by taking into account the projected profit and financial
persetujuan Dewan Komisaris, dengan memperhatikan capability of the Company.
proyeksi perolehan laba dan kemampuan
keuangan Perseroan.
Pembagian Tugas dan Tanggung Jawab Direksi
Segregation of Duties and Responsibilities of the Board of Directors
Perseroan mengatur pembagian tugas/fungsi dan tanggung The Company regulates the segregation of duties/functions
jawab masing-masing Direksi sesuai dengan keahlian dan and responsibilities of each member of the Board of Director
bidangnya secara jelas dan komprehensif. Pembagian tugas according to their expertise in a clear and comprehensive
dan tanggung jawab masing-masing Direksi bertujuan untuk manner. Segregation of duties and responsibilities for each
menjamin pelaksanaan dan kesinambungan pencapaian member of the Company’s Board of Directors is carried
sasaran Perseroan pada masa mendatang secara lebih out to ensure the implementation and sustainability of
efisien dan efektif. Pembagian tugas Direksi diatur the Company’s goal achievement in the future in a more
berdasarkan Keputusan Sirkuler Direksi (Board of Directors efficient and effective manner. Each member of the Board of
Resolution) No. 001/2021 pada tanggal 11 Januari 2021 Directors is assigned with specific responsibilities following
perihal Pembagian Tugas dan Wewenang Direksi yang berlaku their respective expertise. Duties and responsibilities of
efektif sejak tanggal 13 November 2020 dan mengalami each member of the Board of Directors based on Board of
perubahan pada Keputusan Sirkuler Direksi (Board of Directors Resolution No. 001/2021 dated 11 January 2021
Directors Resolution) No. 004/ BoR/CSG-ATPI/V/2022 pada concerning the Segregation of the Board of Directors’ Duties
tanggal 17 Mei 2022 perihal: and Authorities effective from 13 November 2020 which was
• Penggabungan wewenang, tugas, dan tanggung jawab amended by the Board of Directors Resolution No. 004/
Direktur Pemasaran Asuransi Minyak & Gas dan Direktur BoR/CSG-ATPI/V/2022 dated 17 May 2022 concerning:
Pemasaran Asuransi Non Minyak & Gas sebagaimana • The merging of authorities, duties, and responsibilities of
tercantum dalam BoR 001/2021 beralih kepada Direktur Director of Oil & Gas Insurance Marketing and Director
Pemasaran Asuransi; of Non-Oil & Gas Insurance Marketing as provided in
• Pembagian wewenang, tugas, dan tanggung jawab the BoR 001/2021 to be transferred to Director of
Presiden Direktur. Insurance Marketing;
• Segregation of authorities, duties, and responsibilities of
President Director.
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Adapun pembagian tugas dan wewenang masing-masing Thus, the segregation of Duties and Authorities of the Board
Direksi, antara lain: of Directors is as follows:
Nama Jabatan Tugas dan Tanggung Jawab
Name Position Duties and Responsibilities
Tatang Nurhidayat Presiden Direktur Presiden Direktur memiliki wewenang, tugas, dan tanggung jawab dalam aktivitas Perseroan,
President Director termasuk namun tidak terbatas pada:
1. Bertindak untuk dan atas nama Direksi serta mewakili Perseroan.
2. Menyusun kebijakan, rencana dan program kerja Perseroan secara umum dan hal-hal yang
bersifat strategis.
3. Membuat dan menyatakan Keputusan Pemegang Saham dalam akta notaris.
4. Menandatangani seluruh dokumen-dokumen Perseroan sesuai dengan ketentuan yang berlaku.
5. Memberikan sebagian kewenangannya dan/atau memberikan kuasa pada pekerja yang berada
pada Direktorat di bawahnya.
6. Melakukan hal-hal sebagaimana diatur dalam Anggaran Dasar dan ketentuan yang berlaku.
The President Director has the authorities, duties and responsibilities in the Company’s activities,
including but not limited to:
1. Act for and on behalf of the Board of Directors and represent the Company.
2. Formulate policies, plans and work programs of the Company in general and other strategic
matters.
3. Prepare and declare the Shareholders’ Resolutions in a notary deed.
4. Sign all Company documents in accordance with applicable regulations.
5. Grant part of their authority and/or give proxy to the employees under the Directorate.
6. Perform tasks as regulated in the Articles of Association and applicable regulations.
Emil Hakim Direktur Keuangan & Direktur Keuangan dan Layanan Korporat memiliki wewenang, tugas, dan tanggung jawab terkait
Layanan Korporat aktivitas keuangan dan layanan korporat, serta hal-hal yang berada pada Direktorat di bawahnya,
Finance & Corporate termasuk namun tidak terbatas pada:
Service Director 1. Bertindak untuk dan atas nama Direksi serta mewakili Perseroan terkait aktivitas/kegiatan
Keuangan.
2. Menyusun kebijakan, rencana dan program kerja.
3. Membuat dan menandatangani dokumen-dokumen terkait aktivitas keuangan, serta aktivitas
yang berada pada Direktorat di bawahnya, seperti: menandatangani dokumen-dokumen
Perjanjian terkait fasilitas perbankan, menandatangani akta gadai/fidusia, serta perjanjian
terkait aktivitas keuangan lainnya, surat menyurat, memo, serta dokumen lainnya terkait
aktivitas keuangan Perseroan.
4. Memberikan sebagian kewenangannya dan/atau memberikan kuasa pada pekerja yang berada
pada Direktorat di bawahnya.
5. Melakukan hal-hal sebagaimana diatur dalam Anggaran Dasar dan ketentuan yang berlaku.
The Director of Finance and Corporate Services has the authorities, duties and responsibilities
related to financial activities and corporate services, as well as matters within the Directorate under
it, including but not limited to:
1. Act for and on behalf of the Board of Directors and represent the Company in relation to
financial activities.
2. Develop policies, plans and work programs.
3. Prepare and sign documents related to financial activities, as well as activities within the
Directorate under it, such as: Sign agreement documents related to banking facilities,
sign pawning/fiduciary deeds, as well as agreements related to other financial activities,
correspondence, memos, as well as other documents related to the Company’s financial
activities.
4. Grant part of their authority and/or give proxy to the employees under the Directorate.
5. Perform tasks as regulated in the Articles of Association and applicable regulations.
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Nama Jabatan Tugas dan Tanggung Jawab
Name Position Duties and Responsibilities
Ery Widiatmoko Direktur Pemasaran Direktur Pemasaran Asuransi memiliki wewenang, tugas, dan tanggung jawab terkait aktivitas
Asuransi pemasaran serta hal-hal lainnya yang berada pada Direktorat di bawahnya, termasuk namun tidak
Insurance Marketing terbatas pada:
Director 1. Bertindak untuk dan atas nama Direksi serta mewakili Perseroan terkait aktivitas/kegiatan
pemasaran.
2. Menyusun kebijakan, rencana dan program kerja.
3. Membuat dan menandatangani dokumen-dokumen terkait aktivitas pemasaran serta hal-hal
lainnya yang berada pada Direktorat di bawahnya, seperti: Perjanjian (termasuk perjanjian
Fidusia), dokumen-dokumen tender, surat menyurat, memo, persetujuan terkait aktivitas
pemasaran, serta dokumen-dokumen lainnya.
4. Memberikan sebagian kewenangannya dan/atau memberikan kuasa pada pekerja yang berada
pada Direktorat di bawahnya.
5. Melakukan hal-hal sebagaimana diatur dalam Anggaran Dasar dan ketentuan yang berlaku.
Director of Insurance Marketing has the authorities, duties and responsibilities related to marketing
activities as well as other matters within the Directorate under it, including but not limited to:
1. Act for and on behalf of the Board of Directors and representing the Company in relation to the
marketing activities.
2. Develop policies, plans and work programs.
3. Prepare and sign documents related to insurance marketing activities, as well as other matters
within the Directorate under it, such as: agreements (including Fiduciary Agreements), tender
documents, correspondence, memos, aprroval related to marketing activities, as well as other
documents.
4. Grant part of their authority and/or give proxy to the employees under the Directorate.
5. Perform tasks as regulated in the Articles of Association and applicable regulations.
Sudarlin Direktur Teknik Direktur Teknik memiliki wewenang, tugas, dan tanggung jawab terkait aktivitas teknik, serta hal-hal
Technical Director lainnya yang berada pada Direktorat di bawahnya, termasuk namun tidak terbatas pada:
1. Bertindak untuk dan atas nama Direksi serta mewakili Perseroan terkait aktivitas/kegiatan
Teknik.
2. Menyusun kebijakan, rencana dan program kerja.
3. Membuat dan menandatangani dokumen-dokumen terkait aktivitas Teknik dan aktivitas yang
berada pada Direktorat di bawahnya, seperti: Perjanjian, surat menyurat, memo, dokumen
persetujuan, serta dokumen-dokumen lainnya.
4. Memberikan sebagian kewenangannya dan/atau memberikan kuasa pada pekerja yang berada
pada Direktorat di bawahnya.
5. Melakukan hal-hal sebagaimana diatur dalam Anggaran Dasar dan ketentuan yang berlaku.
The Technical Director has the authorities, duties and responsibilities related to technical activities,
as well as other matters within the Directorate under him, including but not limited to:
1. Act for and on behalf of the Board of Directors and representing the Company in relation to
technical activities.
2. Develop policies, plans and work programs.
3. Prepare and sign documents related to Technical activities and activities within the Directorate
under it, such as: agreements, correspondence, memos, approval documents, and other
documents.
4. Grant part of their authority and/or give proxy to the employees under the Directorate.
5. Perform tasks as regulated in the Articles of Association and applicable regulations.
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Nama Jabatan Tugas dan Tanggung Jawab
Name Position Duties and Responsibilities
Edi Yoga Prasetyo Direksi Kepatuhan Secara umum wewenang, tugas, dan tanggung jawab Direktur Kepatuhan & Manajemen Risiko
dan Manajemen termasuk namun tidak terbatas pada:
Risiko 1. Bertindak untuk dan atas nama Direksi serta mewakili Perseroan terkait aktivitas/kegiatan
Compliance & Risk kepatuhan dan manajemen risiko.
Management Director 2. Menyusun kebijakan, rencana dan program kerja.
3. Membuat dan menandatangani dokumen-dokumen terkait aktivitas kepatuhan dan manajemen
risiko, serta hal-hal lainnya yang berada pada Direktorat di bawahnya, seperti: Perjanjian, surat
menyurat, memo, serta dokumen-dokumen lainnya.
4. Memberikan sebagian kewenangannya dan/atau memberikan kuasa pada pekerja yang berada
pada Direktorat di bawahnya.
5. Melakukan hal-hal sebagaimana diatur dalam Anggaran Dasar dan ketentuan yang berlaku.
In general, the authorities, duties and responsibilities of the Director of Compliance & Risk
Management include but are not limited to:
1. Act for and on behalf of the Board of Directors and representing the Company in relation to
compliance and risk management activities.
2. Formulate policies, plans and work programs.
3. Prepare and sign documents related to compliance and risk management activities, as well as
other matters within the Directorate under it, such as: agreements, correspondence, memos
and other documents.
4. Grant part of their authority and/or give proxy to the employees under the Directorate.
5. Perform tasks as regulated in the Articles of Association and applicable regulations.
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 Meeting, among others:
1. Board Manual yang mengatur bahwa Rapat Direksi Tugu 1. The Board Manual which stipulates that the Tugu
Insurance diadakan minimal 1 bulan sekali atau dapat Insurance Board of Directors Meeting is held at least
diadakan setiap waktu bilamana dipandang perlu oleh once a month or can be held at any time if deemed
seorang atau lebih anggota Direksi atau atas permintaan necessary by one or more members of the Board of
tertulis dari seorang atau lebih Dewan Komisaris atau Directors or upon a written request from one or more
atas permintaan tertulis 1 (satu) Pemegang Saham Board of Commissioners or by the written request of
atau lebih yang bersama sama mewakili 1/10 (satu 1 (one) Shareholder or more, which together represent
persepuluh) bagian dari jumlah seluruh saham dengan 1/10 (one tenth) of the total shares with valid
hak suara yang sah; voting rights;
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 or
Publik dan Anggaran Dasar, yaitu bahwa Direksi wajib Public Companies and the Articles of Association, which
mengadakan rapat Direksi secara berkala paling kurang provides that the Board of Directors is required to hold a
1 (satu) kali dalam setiap bulan, dan rapat Direksi Board of Directors meeting periodically at least 1 (one)
bersama Dewan Komisaris secara berkala paling kurang time every month, and a Board of Directors meeting
1 (satu) kali dalam 4 (empat) bulan; together with the Board of Commissioners periodically at
3. Berdasarkan POJK No. 73/POJK.05/2016 tentang least 1 (one) time in 4 (four) months;
Tata Kelola Perusahaan yang Baik bagi Perusahaan 3. POJK No. 73/POJK.05/2016 regarding Good Corporate
Perasuransian yang mewajibkan Direksi perusahaan Governance for Insurance Companies, which requires the
menyelenggarakan rapat Direksi secara berkala paling company’s Board of Directors to hold a Board of Directors
sedikit 1 (satu) kali dalam 1 (satu bulan) dan rapat meeting periodically at least 1 (one) time in 1 (one
Direksi bersama Dewan Komisaris paling sedikit 4 month) and Meetings of the Board of Directors with the
(empat) kali dalam setahun. Board of Commissioners at least 4 (four) times a year.
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Pelaksanaan Rapat Direksi dipimpin oleh Presiden Direktur. The Board of Directors meeting is chaired by the President
Dalam hal Presiden Direktur tidak dapat hadir atau Director. In the event the President Director is unable to
berhalangan, hal mana tidak perlu dibuktikan kepada Pihak attend the meeting, which does not need to be proven to a
Ketiga, maka Rapat Direksi akan dipimpin oleh seorang Third Party, the Board of Directors Meeting shall be chaired
anggota Direksi yang dipilih oleh dan dari antara Direksi by a member of the Board of Directors who is elected
yang hadir. Hasil Rapat Direksi wajib dituangkan dalam by and from among the Directors present. The results of
risalah Rapat Direksi dan didokumentasikan dengan baik. the meeting of the Board of Directors must be stated in
Perbedaan pendapat yang terjadi dalam keputusan Rapat the minutes of the meeting of the Board of Directors and
Direksi wajib dicantumkan secara jelas dalam risalah rapat properly documented. The dissenting opinion that occurs in
Direksi disertai alasan perbedaan pendapat tersebut. the decision-making of the Board of Directors Meeting must
be clearly stated in the minutes of the Board of Directors
meeting followed by the reasons for the dissenting opinion.
Hingga akhir tahun 2023, Direksi telah melaksanakan Rapat In 2023 the Board of Directors has held 29 Board of
Direksi sebanyak 29 kali dan Rapat Gabungan dengan Directors Meetings and 11 Joint Meetings with the Board
Dewan Komisaris sebanyak 11 kali. Adapun jumlah Rapat of Commissioners. The total of Board of Directors Meetings
Direksi dan kehadiran masing-masing anggota Direksi dalam and attendance at the 2023 Board of Directors Meetings are
Rapat sepanjang tahun 2023 adalah: as follows:
Persentase Tingkat
Nama Direksi Jumlah Rapat Jumlah Kehadiran
Kehadiran
Name of Board of Directors Total Meetings Total Attendance
Attendance Rate in %
Tatang Nurhidayat 29 29 100%
Emil Hakim 29 29 100%
Syaiful Azhar 1) 12 10 83%
Ery Widiatmoko 29 29 100%
Budi P. Amir 2) 12 12 100%
Sudarlin 3) 17 16 94%
Edi Yoga Prasetyo 4) 17 17 100%
1)
Tidak lagi menjabat sebagai Direktur Teknik sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
2)
Tidak lagi menjabat sebagai Direktur Kepatuhan & Manajemen Risiko sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
3)
Efektif menjabat sebagai Direktur Teknik sejak 30 Oktober 2024 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK)
4)
Efektif menjabat sebagai Direktur Kepatuhan & Manajemen Risiko sejak 18 Januari 2024 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas
Jasa Keuangan (OJK).
1)
No longer served as Technical Director since the closing of the Annual GMS on 28 April 2023.
2)
No longer served as the Director of Compliance & Risk Management since the closing of the Annual GMS on 28 April 2023.
3)
Effectively serving as Technical Director since 30 October 2024 based on the results of the Fit and Proper Assessment of the Financial Services Authority
(OJK).
4)
Effectively serving as Director of Compliance & Risk Management since 18 January 2024 based on the results of the Fit and Proper Assessment of the
Financial Services Authority (OJK).
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Jumlah Rapat dan Kehadiran Direksi dalam Rapat Dewan Komisaris Mengundang Direksi Tahun 2023
Total Meeting and Attendance of Board of Directors in Joint Meeting with the Board of Commissioners in 2023
Persentase Tingkat
Nama Direksi Jumlah Rapat Jumlah Kehadiran
Kehadiran
Name of Board of Directors Total Meetings Total Attendance
Attendance Rate in %
Tatang Nurhidayat 11 10 91%
Emil Hakim 11 11 100%
Syaiful Azhar 1) 4 3 75%
Ery Widiatmoko 11 10 91%
Budi P. Amir 2)
4 4 100%
Sudarlin 3) 7 6 86%
Edi Yoga Prasetyo 4) 7 7 100%
1)
Tidak lagi menjabat sebagai Direktur Teknik sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
2)
Tidak lagi menjabat sebagai Direktur Kepatuhan & Manajemen Risiko sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
3)
Efektif menjabat sebagai Direktur Teknik sejak 30 Oktober 2024 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK).
4)
Efektif menjabat sebagai Direktur Kepatuhan & Manajemen Risiko sejak 18 Januari 2024 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas
Jasa Keuangan (OJK).
1)
No longer served as Technical Director since the closing of the Annual GMS on 28 April 2023.
2)
No longer served as Director of Compliance & Risk Management since the closing of the Annual GMS on 28 April 2023.
3)
Effectively serving as Technical Director since 30 October 2024 based on the results of the Fit and Proper Assessment of the Financial Services Authority
(OJK).
4)
Effectively serving as Director of Compliance & Risk Management since 18 January 2024 based on the results of the Fit and Proper Assessment of the
Financial Services Authority (OJK).
Kehadiran Direksi pada RUPS Tahunan
The Board of Directors Attendance in Annual GMS
Kehadiran pada RUPS Tahunan
Nama Direksi Jabatan
28 April 2023
Name of Board of Directors Position
Attendance at Annual GMS on 28 April 2023
Tatang Nurhidayat Presiden Direktur Hadir
President Director Present
Emil Hakim Direktur Keuangan & Layanan Korporat Hadir
Finance & Corporate Service Director Present
Syaiful Azhar 1) Direktur Teknik Hadir
Technical Director Present
Ery Widiatmoko Direktur Pemasaran Asuransi Hadir
Insurance Marketing Director Present
Budi P. Amir 2) Direktur Kepatuhan & Manajemen Risiko Hadir
Compliance & Risk Management Director Present
Sudarlin 3) Direktur Teknik Tidak Hadir
Technical Director Absent
Edi Yoga Prasetyo 4) Direktur Kepatuhan & Manajemen Risiko Tidak Hadir
Compliance & Risk Management Director Absent
1)
Tidak lagi menjabat sebagai Direktur Teknik sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
2)
Tidak lagi menjabat sebagai Direktur Kepatuhan & Manajemen Risiko sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
3)
Efektif menjabat sebagai Direktur Teknik sejak 30 Oktober 2024 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas Jasa Keuangan (OJK).
4)
Efektif menjabat sebagai Direktur Kepatuhan & Manajemen Risiko sejak 18 Januari 2024 berdasarkan hasil Penilaian Kemampuan dan Kepatutan Otoritas
Jasa Keuangan (OJK).
1)
No longer served as Technical Director since the closing of the Annual GMS on 28 April 2023.
2)
No longer served as Director of Compliance & Risk Management since the closing of the Annual GMS on 28 April 2023.
3)
Effectively serving as Technical Director since 30 October 2024 based on the results of the Fit and Proper Assessment of the Financial Services Authority
(OJK).
4)
Effectively serving as Director of Compliance & Risk Management since 18 January 2024 based on the results of the Fit and Proper Assessment of the
Financial Services Authority (OJK).
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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 pengenalan/orientasi kepada The Company has an orientation program for newly appointed
Direksi yang baru diangkat untuk memberikan pengetahuan Directors to provide knowledge about the Company, so that
mengenai Perseroan. Hal ini bertujuan agar Direksi yang they can understand the duties and responsibilities as the
baru diangkat mampu memahami tugas dan tanggung jawab Board of Directors and the Company’s business processes
serta proses bisnis Perseroan selain bekerja selaras dengan performed by the Board of Directors, as well as to work in
Organ Perseroan lainnya. Pelaksanaan program orientasi harmony with other organs of the Company. The orientation
kepada Direksi yang baru diangkat dilaksanakan oleh fungsi program for newly appointed Directors is carried out by the
Sekretaris Perusahaan. Corporate Secretary function.
Di tahun 2023, Perseroan telah melaksanakan program In 2023, the orientation program was conducted for a
orientasi untuk Anggota Direksi yang baru diangkat dalam member of the Board of Directors appointed in AGMS on 28
RUPST 28 April 2023 yaitu Bapak Sudarlin dan Bapak Edi April 2023, namely Mr Sudarlin dan Mr. Edi Yoga Prasetyo on
Yoga Prasetyo yang dilaksanakan pada tanggal 10 Mei 2023. 10 May 2023.
Peningkatan Kompetensi Anggota Direksi Competency Enhancement of the Board of Directors
Tugu Insurance menempatkan anggota Direksi sebagai Tugu Insurance views members of the Board of Directors
salah satu aset utama yang memiliki peranan penting bagi as one of the main assets with an important role for the
Perseroan. Secara konsisten, Perseroan menyelenggarakan Company. Therefore, Tugu Insurance organizes competency
program peningkatan kompetensi untuk anggota Direksi enhancement programs for members of the Board of
agar Direksi dapat memperbaharui informasi tentang Directors so that the Board of Directors can always update
perkembangan terkini dari Core Business dan peraturan information on the latest developments of the Company’s
perundang-undangan yang berlaku. core business and applicable laws and regulations.
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 dalam 1. Competency enhancement program is carried out to
rangka meningkatkan efektivitas kerja Direksi; increase the effectiveness of the work of the Board of
2. Rencana untuk melaksanakan program peningkatan Directors;
kompetensi harus dimasukkan dalam rencana kerja dan 2. The plan to implement the competency enhancement
anggaran Direksi; program must be included in the work plan and budget of
3. Setiap anggota Direksi yang mengikuti program the Board of Directors;
peningkatan kompetensi seperti seminar dan/atau 3. Each member of the Board of Directors who participates
pelatihan diminta untuk menyajikan presentasi kepada in the competency enhancement program such as
anggota Direksi lainnya dalam rangka berbagi informasi seminars and/or training is requested to present a
dan pengetahuan; presentation to other members of the Board of Directors
4. Anggota Direksi yang bersangkutan harus membuat in order to share information and knowledge;
laporan tentang pelaksanaan Program Peningkatan 4. The member of the Board of Directors concerned must
Kompetensi dan disampaikan kepada Direksi. make a report on the implementation of the Competency
enhancement Program and submit it to the Board
of Directors.
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Adapun program peningkatan kompetensi yang diikuti The following table presents competency enhancement
anggota Direksi sepanjang tahun 2023, sebagai berikut: program for Members of the Board of Directors in 2023:
Nama Judul Training Penyelenggara Tanggal Tempat
Names Names of Training Organizer Date Location
Tatang Nurhidayat 9th International Insurance Seminar AAUI 9 Maret 2023 Jakarta
2023 Indonesian General Insurance 9 March 2023
Association
CEO Fellowship FMII 21-23 Juli 2023 Malaysia
21-23 July 2023
The 1st Indonesia Insurance Summit AAMAI 23-24 Agustus 2023 Yogyakarta
Indonesian Association of Insurance 23-24 August 2023
Management Experts
Takaful Rendezvous AASI 26-27 September 2023 Malaysia
Indonesian Sharia Insurance 26-27 September 2023
Association
Indonesia Rendezvous AAUI 11-14 Oktober 2023 Bali
Indonesian General Insurance 11-14 October 2023
Association
Emil Hakim Risk Management Forum Pertamina Tugu Institute dan ERM & Legal Group 16 Maret 2023 Jakarta
Group 2023 Tugu Institute and ERM & Legal Group 16 March 2023
Konsinyering & Agent Of Change ERP 15-26 Mei 2023 Jakarta
Consigning & Agent Of Change 15-26 May 2023
Sewindu Kami Mengabdi, untuk PR Indonesia 21 September 2023 Jakarta
Komunikasi Negeri 21 September 2023
8 Years We Serve the Country’s
Communications
Optimizing Business Continuity ERMA 27 September 2023 Online
Strategy to Achieve Sustainable Enterprise Risk Management Academy 27 September 2023
Objectives
Ery Widiatmoko Boost Organization Reputation IRMAPA 27 September 2023 Online
Through Storytelling Indonesia Risk Management 27 September 2023
Professional Association
Protecting Your Organization IRMAPA 29 September 2023 Online
Reputation During Crisis Through Indonesia Risk Management 29 September 2023
Communication Professional Association
The Ultimate Guide for Online Media IRMAPA 3 Oktober 2023 Online
Monitoring Indonesia Risk Management 3 October 2023
Professional Association
Indonesia Rendezvous AAUI 11-14 Oktober 2023 Bali
Indonesian General Insurance 11-14 October 2023
Association
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Nama Judul Training Penyelenggara Tanggal Tempat
Names Names of Training Organizer Date Location
Sudarlin tiLearn 039: Treaty Expose 2023 Tugu Institute dan Reinsurance Group 16 Januari 2023 Hybrid
Tugu Institute and Reinsurance Group 16 January 2023
People Management Development HR Excellency 22-24 Februari 2023 Jakarta
Program Batch 4 22-24 February 2023
Risk Management Forum Pertamina Tugu Institute dan ERM & Legal Group 16 Maret 2023 Jakarta
Group 2023 Tugu Institute and ERM & Legal Group 16 March 2023
Certified Professional in Organization Howard Hermes 27-28 Mei 2023 Online
Development (CPOD) Batch 13 27-28 May 2023
tiLearn 042: Implementasi SMAP Tugu Institute dan Compliance 8 Juni 2023 Online
Dalam Menunjang Kegiatan Tugu Institute and Compliance 8 June 2023
Operasional Perusahaan
tiLearn 042: Implementation
of SMAP to Support Company
Operational Activities
The 1st Indonesia Insurance Summit AAMAI 23-24 Agustus 2023 Yogyakarta
Indonesian Association of Insurance 23-24 August 2023
Management Experts
Indonesia Rendezvous AAUI 11-14 Oktober 2023 Bali
Indonesian General Insurance 11-14 October 2023
Association
Edi Yoga Prasetyo Manajemen Risiko – QRGP WDA-LSP MKS 25-26 Mei 2023 Online
Risk Management - QRGP 25-26 May 2023
tiLearn 042: Implementasi SMAP Tugu Institute dan Compliance 8 Juni 2023 Online
Dalam Menunjang Kegiatan Tugu Institute and Compliance 8 June 2023
Operasional Perusahaan
tiLearn 042: Implementation
of SMAP to Support Company
Operational Activities
tiLearn 046: Perlindungan Data Tugu Institute dan Legal & Compliance 2 Agustsu 2023 Online
Pribadi di Industri Jasa Keuangan Tugu Institute and Legal & Compliance 2 August 2023
Setelah Disahkannya UU PDP
tiLearn 046: Protection of Personal
Data in the Financial Services
Industry After the Passing of the
PDP Law
Basic Insurance WDA 25-27 September 2023 Jakarta
25-27 September 2023
Risk Beyond International IRMAPA 6-8 Desember 2023 Bali
Conference on ERM 2023 Indonesia Risk Management 6-8 December 2023
Professional Association
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Penilaian Kinerja Komite-komite di Bawah Direksi
Performance Assessment of Committee under the Board of Directors
Di tahun 2023, Direksi menilai bahwa Komite Investasi, In 2023, the Board of Directors assessed that the
Komite Manajemen Risiko dan Komite Pengarah Teknologi Investment Committee, Risk Management Committee and
Informasi telah melaksanakan tugas dan tanggung jawab Information Technology Steering Committee have carried
sebaik-baiknya. Hal tersebut didasari oleh penilaian Direksi out their duties and responsibilities as well as possible.
atas kinerja Komite-komite tersebut dengan menggunakan This is based on the Board of Directors' assessment
Key Performance Indicator (KPI) yang antara lain mencakup of the performance of these Committees using Key
indikator penilaian sebagai berikut : Performance Indicators (KPI) which include the following
assessment indicators:
1. Realisasi jumlah pelaksanaan Rapat Komite dan 1. Realization of Total Committee Meetings and Work Plans
Rencana Kerja; held;
2. Penilaian terhadap tingkat kehadiran dan partisipasi 2. Assessment on attendance rate and participation at
dalam Rapat; the Meetings;
3. Penyampaian hasil reviu kepada Direksi; 3. Submission of Review Results to the Board
4. Pembuatan dan penyampaian Laporan Komite yang of Commissioners;
tepat waktu. 4. Timely Preparation and Submission of
Committee Reports.
Direksi menilai, Komite Investasi, Komite Manajemen The Board of Directors assessed that the Investment
Risiko dan Komite Pengarah Teknnologi Informasi telah Committee, Risk Management Committee and Information
memberikan kinerja yang baik dalam pelaksanaan tugas Technology Steering Committee have provided good
dan tanggung jawab masing-masing pada tahun 2023. Hal performance in conducting their respective duties and
ini didasari oleh realisasi pemenuhan tugas masing-masing responsibilities in 2023. This is based on the fulfillment of
Komite, kompetensi dan skill serta tingkat kehadiran anggota the duties in each Committee, competence and skills as well
Komite-komite tersebut dalam Rapat Komite. Direksi juga as the level of attendance members of these Committees
menilai bahwa Komite Investasi, Komite Manajemen Risiko at Committee Meetings. The Board of Directors also
dan Komite Pengarah Teknologi Informasi telah bekerja assessed that the Investment Committee, Risk Management
secara efektif dan memberikan kontribusi serta rekomendasi Committee and Information Technology Steering Committee
yang mendukung Direksi dalam melaksanakan tugas dan have worked effectively and provided contributions and
tanggung jawab pengelolaan perusahaan sesuai Anggaran recommendations that support the Board of Directors in
Dasar dan peraturan perundang-undangan yang berlaku. conducting the duties and responsibilities of managing the
Company in accordance with the Articles of Association and
applicable laws and regulations.
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3.D.
Transparansi Informasi tentang Dewan Komisaris dan Direksi
Information Transparency about the Board of Directors and the Board of Commissioners
Penilaian Kinerja Dewan Komisaris
The Board of Commissioners’ Performance Assessment
Perseroan melakukan penilaian kinerja Dewan Komisaris The Company assesses the performance of the Board of
melalui Key Performance Indicators (KPI) yang disusun Commissioners through Key Performance Indicators (KPI)
secara kolegial. KPI disusun berdasarkan RJPP dan which are prepared collegally. KPI is prepared based on
RKAP Perusahaan atas kesepakatan manajemen dengan the Company's RJPP and RKAP based on management
memperhatikan visi dan misi Perusahaan serta masukan/ agreement by taking into account the Company's vision and
arahan Pemegang Saham dalam RUPS. mission as well as input/direction from Shareholders at
the GMS.
Prosedur Pelaksanaan Penilaian Kinerja Dewan Komisaris
Procedure of the Board of Commissioners’ Performance Assessment
Evaluasi oleh
Self-assessment oleh Dewan Komisaris
Pemegang Saham dalam RUPS
Self-assessment by the Board of Commissioners
Evaluated by the Shareholders at GMS
Pemegang Saham dalam Rapat Umum Pemegang Saham Shareholders have the right to evaluate the performance of
berhak melakukan evaluasi atas kinerja Dewan Komisaris the Board of Commissioners every year through the General
setiap tahun. Penilaian Kinerja Dewan Komisaris dilakukan Meeting of Shareholders. The performance assessment
dengan sistem self-assessment oleh Dewan Komisaris. of the Board of Commissioners is carried out with a self-
Selanjutnya, sistem penilaian kinerja ini akan dievaluasi oleh assessment system by the Board of Commissioners.
Pemegang Saham dalam RUPS. Furthermore, this performance assessment system will 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, performance assessment of the Board of
ditentukan berdasarkan tugas dan tanggung jawabnya Commissioners members is determined by the duties and
sebagaimana tercantum dalam peraturan perundang- responsibilities as set forth in the applicable laws and
undangan yang berlaku, Anggaran Dasar Perusahaan, dan regulations, the Company’s Articles of Association, and the
amanat pemegang saham. Shareholders’ mandate.
Penilaian kinerja Dewan Komisaris dilakukan berdasarkan Performance assessment of the Board of Commissioners is
pencapaian Key Performance Indicators (KPI) dan conducted based on the achievement of Key Performance
memperhatikan AKHLAK (Amanah, Kompeten, Harmonis, Indicators (KPI) and taking into account the AKHLAK
Loyal, Adaptif, dan Kolaboratif) behavior survey. KPI (Amanah, Kompeten, Harmonis, Loyal, Adaptif, and
merupakan ukuran penilaian atas keberhasilan pelaksanaan Kolaboratif) behaviour survey. KPI is an assessment
tugas dan tanggung jawab pengawasan dan pemberian measure on the successful implementation of the duties
nasihat oleh Dewan Komisaris. Aspek yang dinilai dalam KPI and responsibilities of supervision and advisory by the
Dewan Komisaris tahun 2023 adalah aspek perencanaan, Board of Commissioners. The aspects assessed in the KPI
aspek pelaksanaan tugas, aspek pelaporan, dan for the Board of Commissioners in 2023 are the planning
aspek dinamis. aspect, task execution aspect, reporting aspect, and
dynamic aspect.
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Penilaian Kinerja Masing-masing Anggota Dewan Komisaris
Performance Assessment of Each Member of the Board of Commissioners
Nama Jabatan Pencapaian Kinerja 2023
Name Position Achievement in 2023
Dian Masyita Presiden Komisaris & • Telah melaksanakan tugas dan tanggung jawab sebagai Presiden Komisaris dan Komisaris
Komisaris Independen Independen sesuai Board Manual dan KPI yang telah ditetapkan.
President Commissioner • Mempunyai kompetensi yang sesuai dengan bidang tugas dan tanggung jawabnya.
& Independent • Kehadiran dalam Rapat Dewan Komisaris adalah 100% dan dalam Rapat Dewan Komisaris
Commissioner mengundang Direksi adalah 100%.
• Has carried out duties and responsibilities as President Commissioner and Independent
Commissioner, in accordance with the Board Manual and KPI that have been determined.
• Has competence in accordance with the scope of duties and responsibilities.
• Attendance at Board of Commissioners Meetings reached 100% and attendance at Board of
Commissioners joint meetings with the Board of Directors was 100%.
Bagus Agung Komisaris • Telah melaksanakan tugas dan tanggung jawab sebagai Komisaris sesuai Board Manual dan
Rahadiansyah Commissioner KPI yang telah ditetapkan.
• Mempunyai kompetensi yang sesuai dengan bidang tugas dan tanggung jawabnya.
• Kehadiran dalam Rapat Dewan Komisaris adalah 100% dan dalam Rapat Dewan Komisaris
Mengundang Direksi adalah 100%.
• Has carried out duties and responsibilities as Commissioner, in accordance with the Board
Manual and KPI that have been determined.
• Has competence in accordance with the scope of duties and responsibilities.
• Attendance at Board of Commissioners Meetings reached 100% and attendance at Board of
Commissioners Meetings joint meetings with the Board of Directors was 100%.
Samuel Lie Komisaris • Telah melaksanakan tugas dan tanggung jawab sebagai Komisaris sesuai Board Manual dan
(Samuel Ramna) Commissioner KPI yang telah ditetapkan.
• Mempunyai kompetensi yang sesuai dengan bidang tugas dan tanggung jawabnya.
• Kehadiran dalam Rapat Dewan Komisaris adalah 100% dan dalam Rapat Dewan Komisaris
Mengundang Direksi adalah 100%.
• Has carried out duties and responsibilities as Commissioner, in accordance with the Board
Manual and KPI that have been determined.
• Has competence in accordance with the scope of duties and responsibilities.
• Attendance at Board of Commissioners Meetings reached 100% and attendance at Board of
Commissioners joint meetings with the Board of Directors was 100%.
Poerwo Tjahjono Komisaris Independen • Telah melaksanakan tugas dan tanggung jawab sebagai Komisaris Independen sesuai Board
Independent Manual dan KPI yang telah ditetapkan.
Commissioner • Mempunyai kompetensi yang sesuai dengan bidang tugas dan tanggung jawabnya.
• Kehadiran dalam Rapat Dewan Komisaris adalah 100% dan dalam Rapat Dewan Komisaris
Mengundang Direksi adalah 100%.
• Has carried out duties and responsibilities as Independent Commissioner, in accordance
with the Board Manual and KPI that have been determined.
• Has competence in accordance with the scope of duties and responsibilities.
• Attendance at Board of Commissioners Meetings reached 100% and attendance at Board of
Commissioners joint meetings with the Board of Directors was 100%.
Tajudin Noor Komisaris Independen Bapak Tajudin Noor belum efektif menjalankan tugasnya sebagai Komisaris Independen pada
Independent tahun 2023. Beliau mendapatkan penetapan hasil penilaian kemampuan dan kepatutan dari
Commissioner Otoritas Jasa Keuangan (OJK) melalui surat keputusan No. KEP-6/D.05/2024 tanggal 18 Januari
2024.
Mr. Tajudin Noor has not yet effectively performed his duties as an Independent Commissioner in
2023. He received fit and proper test result from the Financial Services Authority (OJK) through
Decree No KEP-6/D.05/2024 dated 18 January 2024.
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Pihak yang Melakukan Penilaian Kinerja Dewan The Party Conducting the Board of Commissioners’
Komisaris Performance Assessment
Pihak yang melakukan penilaian kinerja Dewan Komisaris The party conducting the Board of Commissioners’
adalah Pemegang Saham dalam Rapat Umum Pemegang performance assessment are the Shareholders at the
Saham maupun dalam Rapat Pemegang Saham Pengendali. General Meeting of Shareholders (GMS) and at the Meeting
Penilaian kinerja ini dilakukan berdasarkan hasil self- of Controlling Shareholder. This performance assessment is
assessment Dewan Komisaris yang disampaikan oleh based on the results of the self-assessment of the Board of
Dewan Komisaris. Hasil evaluasi kinerja tersebut juga Commissioners submitted by the Board of Commissioners.
merupakan sarana penilaian serta peningkatan efektivitas The results of the performance evaluation are also a means
Dewan Komisaris. of evaluating and increasing 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 assessed the performance of the Board of
Performance Indicators (KPI) yang disusun secara kolegial. Directors through Key Performance Indicators (KPI) which
KPI disusun berdasarkan RJPP dan RKAP Perusahaan atas were prepared collegially. KPI are prepared based on the
kesepakatan manajemen dengan memperhatikan visi dan Company's RJPP and RKAP by management agreement
misi Perusahaan serta masukan/arahan Pemegang Saham with due regard to the Company's vision and mission as
dalam RUPS. KPI mengukur capaian kinerja dan diturunkan well as input/direction from Shareholders in the GMS.
ke setiap Direksi yang menjadi sasaran kinerjanya masing- KPIs measure performance achievements and are passed
masing, sehingga diharapkan masing-masing anggota down to each member of the Board of Directors as their
Direksi dapat berkontribusi untuk mencapai kinerja Direksi respective performance targets, so that it is expected that
secara berkesinambungan. each member of the Board of Directors can contribute to
achieving the performance of the Board of Directors on a
sustainable basis.
Agar dapat mencapai kinerja yang diinginkan sesuai To achieve these performance targets, each member of the
target, setiap Direksi menentukan strategi-strategi yang Board of Directors determines the strategies that will be
akan ditempuh sesuai dengan kondisi perkembangan dan pursued in accordance with the Company’s development
kebutuhan Perseroan. Faktor utama keberhasilan (Critical conditions and needs. The Critical Success Factors (CSF) are
Success Factors) ditentukan pada kondisi Perseroan dari sisi determined by considering the Company’s condition in terms
pasar, operasional dan faktor penunjang lainnya. of market, operations, and other supporting factors.
Prosedur Pelaksanaan Penilaian Kinerja Direksi
Procedure of the Board of Directors’ Performance Assessment
Tahap Pertama Tahap Kedua Tahap Ketiga
Pengukuran dan Evaluasi Pengesahan Laporan
1 Pelaporan Kerja
First Stage:
Performance Measurement
2 Penilaian Kinerja
Second Stage:
Performance Assessment
3 Pencapaian Kinerja
Third Stage:
Enactment of Performance
and Reporting Evaluation Achievement Report
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1. Tahap Pertama: Pengukuran dan Pelaporan Kinerja 1. First Stage: Performance Measurement and Reporting
Direksi
Direksi melakukan evaluasi terhadap kinerja masing- The Board of Directors evaluates the performance of
masing Direktorat dan secara kolegial berdasarkan each Directorate and collegially based on the Company's
hasil pencapaian Perusahaan sesuai dengan timeline achievements in accordance with the established
yang ditetapkan, dengan metode yang memenuhi aspek timeline, with methods that meet the aspects of reliability
reliabilitas dan validitas. Di samping itu, Perusahaan juga and validity. In addition, the Company also measures
mengukur kinerja Direksi melalui penilaian penerapan the performance of the Board of Directors through a
tata nilai budaya AKHLAK secara 360 derajat. Hasil 360-degree assessment of the implementation of the
ini kemudian dilaporkan kepada Dewan Komisaris dan AKHLAK cultural values. These results are then reported
Pemegang Saham untuk divalidasi dan disetujui; to the Board of Commissioners and Shareholders for
2. Tahap Kedua: Evaluasi Penilaian Kinerja Dewan validation and approval;
Komisaris memberikan umpan balik setelah melakukan 2. Second Stage: Performance Assessment Evaluation
evaluasi terhadap Laporan Pencapaian Kinerja dengan The Board of Commissioners provides feedback after
memperhatikan Tata Nilai Budaya AKHLAK dan evaluating the Performance Achievement Report by
memberikan pendapat serta saran atas pencapaian taking into account the AKHLAK Culture Value System
kinerja, termasuk di dalamnya rekomendasi Skor atau and provides opinions and suggestions on performance
Nilai Akhir bagi masing-masing Direksi; achievements, including recommendations for the Score
3. Tahap Ketiga: Pengesahan Laporan Pencapaian Kinerja or Final Score for each Director;
Skor atau Nilai Prestasi Direksi disahkan pada 3. Third Stage: Enactment of Performance Achievement
Performance Review, setelah sebelumnya dilakukan Report
evaluasi dan klarifikasi oleh Dewan Komisaris dan The Directors' Achievement Score or Value is approved at
Pemegang Saham terhadap Laporan pencapaian the Performance Review, after evaluation and clarification
Kinerja Perusahaan. by the Board of Commissioners and Shareholders of the
Company's Performance Achievement Report.
Kriteria Kinerja Direksi Board of Directors’ Performance Criteria
Kriteria Kinerja Direksi yang disusun secara kolegial meliputi: The Board of Directors’ Performance Criteria that are
collegially determined include:
1. Rencana Kerja dan Anggaran Perusahaan (RKAP) tahun 1. Company Work Plan and Budget (RKAP) for the year and
berjalan dan garis besar laporan kinerja keuangan, outline of financial performance reports, such as: Net
seperti: Laba Bersih, Overhead cost, EBITDA, RBC, COR, Profit, Overhead cost, EBITDA, RBC, COR, and investment
dan realisasi investasi (ABI); realization (ABI);
2. Pencapaian program kerja Komite-komite dan fungsi- 2. Achievement of the work program of the Committees and
fungsi di bawah Direksi; functions under the Board of Directors;
3. Pelaksanaan Program Strategic Inisiatives; 3. Implementation of Initiative Strategic Program;
4. Implementasi GCG dan HSSE; 4. GCG and HSSE implementation;
5. Ketaatan terhadap peraturan perundang-undangan 5. Compliance with the prevailing laws and regulations, the
yang berlaku, Anggaran Dasar, ketentuan RUPS, serta Articles of Association, the provisions of the GMS, as well
kebijakan Perseroan; as the Company’s policies;
6. Kontribusi dalam melakukan tugas dan tanggung jawab 6. Contribution to performing the duties and responsibilities
pengurusan Perseroan; of the Company’s management;
7. Komitmen dalam memajukan kepentingan Perseroan; 7. Commitment to boosting the Company’s interests;
8. Tingkat kehadiran dalam Rapat Direksi, Rapat Gabungan 8. Attendance rate at the Board of Directors Meeting,
Direksi dengan Dewan Komisaris maupun Rapat Direksi Joint Meeting of the Board of Directors with the Board
dengan Komite dan fungsi-fungsi di bawah Direksi; of Commissioners and the Board of Directors’ Meeting
9. Optimalisasi pelaksanaan sinergi Pertamina Group. with the Committees and functions under the Board
of Directors;
9. Optimization of synergy with Pertamina Group.
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Kriteria kinerja secara Kolegial tersebut kemudian diturunkan The collegial performance criteria are passed down
kepada masing-masing individu Direksi. Uraian di bawah ini to each individual member of the Board of Directors.
merupakan fokus utama untuk melakukan penilaian selain The descriptions below are the main focus for
dari penilaian yang ditetapkan secara kolegial. conducting assessments other than those that are
collegially determined.
Penilaian Kinerja Masing-masing Anggota Direksi Performance Assessment of the Board of Directors
Members
Informasi mengenai penilaian kinerja masing-masing The following table presents performance assessment
anggota Direksi hingga akhir tahun 2023 dapat dilihat of each member of the Board of Directors until the end
sebagai berikut: of 2023:
Nama Jabatan Pencapaian Kinerja 2023
Name Position Achievement in 2023
Tatang Nurhidayat Presiden Direktur • Tercapainya kinerja Direksi secara Kolegial.
President Director. • Terpenuhinya target peringkat internasional A- dari AM Best.
• Terpenuhinya pelaksanaan pengendalian internal dan pengelolaan risiko.
• Terlaksananya program strategic initiatives perusahaan.
• Kehadiran dalam Rapat Direksi adalah 100% dan dalam Rapat Dewan Komisaris
Mengundang Direksi adalah 91%.
• Achieving collegial performance of the Board of Directors.
• Fulfillment of international rating target of A- from AM Best.
• Fulfillment of implementation of internal control and risk management.
• Implementation of the Company's strategic initiatives program.
• Attendance at Board of Directors Meetings reached 100% and attendance at Board of
Commissioners joint meeting with the Board of Directors was 91%.
Emil Hakim Direktur Keuangan & • Tercapainya target finansial perusahaan yang ditetapkan sesuai RKAP tahun berjalan.
Layanan Korporat • Terpenuhinya tenggat waktu penyampaian laporan keuangan ke regulator dan Pertamina.
Finance & Corporate • Tercapainya target implementasi ERP Finance System dan digitalisasi proses bisnis.
Service Director • Kehadiran dalam Rapat Direksi adalah 100% dan dalam Rapat Dewan Komisaris
Mengundang Direksi adalah 100%.
• Achievement of the Company's financial targets set according to the current year's RKAP.
• Fulfillment of deadlines for submitting financial reports to regulators and Pertamina.
• Achieved the ERP Finance System implementation target and digitalization of business
processes.
• Attendance at Board of Directors Meetings reached 100% and attendance at Board of
Commissioners joint meeting with the Board of Directors was 100%.
Ery Widiatmoko Direktur Pemasaran • Tercapainya target Gross Written Premium sesuai yang ditetapkan di RKAP tahun berjalan.
Asuransi • Tercapainya target kepuasan dan indeks loyalitas pelanggan (customer satisfaction &
Insurance Marketing loyalty index).
Director • Tercapainya kerja sama strategis pada bisnis asuransi yang baik dan saling
menguntungkan.
• Kehadiran dalam Rapat Direksi adalah 100% dan dalam Rapat Dewan Komisaris
Mengundang Direksi adalah 91%.
• Achievement of the Gross Written Premium target as determined in the current year's
RKAP.
• Achievement of customer satisfaction and loyalty index targets.
• Achieving strategic cooperation in the insurance business that is good and mutually
beneficial.
• Attendance at Board of Directors Meetings reached 100% and attendance at Board of
Commissioners joint meeting with the Board of Directors was 91%.
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Nama Jabatan Pencapaian Kinerja 2023
Name Position Achievement in 2023
Edi Yoga Prasetyo Direktur Kepatuhan & • Tercapainya penerapan manajemen risiko perusahaan.
Manajemen Risiko • Tercapainya target peringkat pengelolaan risiko.
Compliance & Risk • Tercapainya target implementasi GCG.
Management Director • Tercapainya target pelaporan kepatuhan ke regulator dan Pertamina.
• Kehadiran dalam Rapat Direksi adalah 100% dan dalam Rapat Dewan Komisaris
Mengundang Direksi adalah 100%.
• Achievement of implementation of corporate risk management.
• Achievement of risk management rating targets.
• Achievement of GCG implementation targets.
• Achievement of compliance reporting targets to regulators and Pertamina.
• Attendance at Board of Directors Meetings reached 100% and attendance at Board of
Commissioners joint meeting with the Board of Directors was 100%.
Sudarlin Direktur Teknik • Tercapainya target Surplus Underwriting sesuai yang ditetapkan di RKAP tahun berjalan.
Technical Director • Tercapainya target pertumbuhan overseas inward.
• Tercapainya kebijakan yang menjamin terlaksananya pengelolaan portofolio asuransi
dengan baik.
• Kehadiran dalam Rapat Direksi adalah 94% dan dalam Rapat Dewan Komisaris
Mengundang Direksi adalah 86%.
• Achievement of the Underwriting Surplus target as determined in the current year's RKAP.
• Achievement of overseas inward growth targets.
• Achievement of policies that guarantee the implementation of good insurance portfolio
management.
• Attendance at Board of Directors Meetings reached 94% and attendance at Board of
Commissioners joint meeting with the Board of Directors was 86%.
Pihak yang Melakukan Penilaian Party Conducting Assessment
Pihak yang melakukan penilaian atas kinerja Direksi adalah The party that assesses the performance of the Board
Dewan Komisaris dibantu oleh Komite Nominasi dan of Directors is the Board of Commissioners assisted
Remunerasi. Penilaian tersebut dilakukan berdasarkan by the Nomination and Remuneration Committee. The
evaluasi terhadap kinerja masing-masing Direktorat dan assessment is carried out based on evaluation on the
secara kolegial berdasarkan hasil pencapaian Perusahaan. performance of each Directorate and collegially based on the
Company’s achievement.
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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 wewenang untuk mengangkat dan GMS is fully authorized to appoint and dismiss members of
memberhentikan anggota Dewan Komisaris dengan the Board of Commissioners, by considering the Company’s
memperhatikan visi, misi, dan rencana strategis agar vision, mission, and strategic plans to enable effective, fast,
memungkinkan kemudahan dalam pengambilan keputusan precise, and independent decision making. In appointing the
yang efektif, cepat, tepat dan independen. Dalam Board of Commissioners’ member, the candidates may be
pengangkatan Dewan Komisaris, kandidat Komisaris nominated by the controlling shareholder. The nomination
dapat dinominasikan oleh pemegang saham pengendali. and remuneration committee will discuss the profile and
Pembahasan profil dan kualifikasi masing-masing kandidat qualifications of each candidate in the nomination meeting.
akan dibahas oleh Komite Nominasi dan Remunerasi dalam The selected candidate will be appointed with the approval of
rapat nominasi. Kandidat terpilih akan diangkat dengan the GMS. The nomination and appointment mechanism for
persetujuan RUPS. Mekanisme nominasi dan pengangkatan the Board of Commissioners can be described as follows.
Dewan Komisaris dapat diuraikan sebagai berikut.
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 the 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 Jasa concerning Fit and Proper Test for the Main Parties of
Keuangan, calon anggota Dewan Komisaris yang termasuk Financial Services Institutions, candidates for the Board
sebagai Pihak Utama Perseroan yang merupakan Lembaga of Commissioners who are included as the Main Parties
Jasa Keuangan wajib memperoleh persetujuan dari Otoritas of the Company, must obtain approval from the Financial
Jasa Keuangan sebelum menjalankan tindakan, tugas Services Authority before performing their actions, duties
dan fungsinya sebagai anggota Dewan Komisaris. Dalam and functions as a member of the Board of Commissioners.
rangka memberikan persetujuan tersebut, OJK melakukan To grant this approval, OJK conducts a fit and proper test for
penilaian kemampuan dan kepatutan kepada calon anggota prospective members of the Board of Commissioners.
Dewan Komisaris.
Anggota Dewan Komisaris yang telah lulus penilaian For the members of the Board of Commissioners who have
kemampuan dan kepatutan tanpa catatan dan telah passed the fit and proper test without any notes, and have
mendapat persetujuan dari Otoritas Jasa Keuangan, received approval from the Financial Services Authority, it is
mengindikasikan bahwa anggota Dewan Komisaris yang indicated that they have and meet the integrity, competence
bersangkutan memiliki dan memenuhi persyaratan integritas, and adequate financial reputation requirements. The list
kompetensi dan reputasi keuangan yang memadai. Adapun of members of the Board of Commissioners who have
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daftar anggota Dewan Komisaris melakukan penilaian dan conducted OJK’s fit and proper test and compliance as of 31
kemampuan dan kepatuhan OJK per 31 Desember 2023 December 2023 is as follows:
adalah sebagai berikut:
Tanggal Efektif Berdasarkan
Nama Jabatan Keputusan Fit & Proper OJK Surat OJK
Name Position OJK Fit & Proper Decision Effective Date Based on OJK
Letter
Dian Masyita Presiden Komisaris & Komisaris Surat Keputusan OJK No. Kep- 47/ 11 Oktober 2022
Independen KDK.05/2022 – Lulus 11 October 2022
President Commissioner and OJK Decree No. Kep- 47/
Independent Commissioner KDK.05/2022 – Pass
Bagus Agung Rahadiansyah Komisaris Surat Keputusan OJK No. Kep – 23 Juni 2023
Commissioner 29/KDK.05/2023 – Lulus 23 June 2023
OJK Decree No. Kep – 29/
KDK.05/2023 – Pass
Samuel Lie (Samuel Ramna) Komisaris Surat Keputusa 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/ 10 November 2020
Independent Commissioner KDK.05/2020 – Lulus 10 November 2020
OJK Decree No. KEP-80/
KDK.05/2020 – Pass
Tajudin Noor Komisaris Independen Surat Keputusan OJK No. KEP- 18 Januari 2024
Independent Commissioner 6/D.05/2024 – Lulus 18 January 2024
OJK Decree No. No. KEP-
6/D.05/2024 – Pass
Remunerasi Dewan Komisaris
The Board of Commissioners’ Remuneration
Prosedur Pengusulan hingga Penetapan Remunerasi Procedure for Proposing to Determining
Dewan Komisaris Remuneration of the Board of Commissioners
Secara garis besar, prosedur penetapan remunerasi Dewan In general, the procedure for determining the remuneration of
Komisaris dilakukan melalui tahapan berikut: the Board of Commissioners of Tugu Insurance is carried out
in stages as shown in the following chart:
Komite Nominasi
& Remunerasi Dewan Komisaris
menyampaikan menyampaikan usulan
Struktur & besaran
rekomendasi mengenai struktur & besaran
remunerasi Dewan
struktur & besaran remunerasi Dewan
Komisaris diagendakan,
remunerasi Dewan Komisaris kepada
dibahas, dan diputuskan
Komisaris kepada Dewan pemegang saham
dalam RUPS
Komisaris dalam RUPS
The structure and amount of
The Nomination & Remuneration The Board of Commissioners remuneration for the Board of
Committee submits submits the Proposed Commissioners is scheduled,
recommendations regarding Structure & Amount of discussed and decided at the
the structure & amount of Remuneration for the GMS
remuneration of the Board of Board of Commissioners to
Commissioners to the Board of Shareholders at the GMS
Commissioners
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• Komite Nominasi dan Remunerasi melakukan • The Nomination and Remuneration Committee prepares
penyusunan dan evaluasi terhadap struktur, kebijakan and evaluates the structure, policies and the amount
dan besaran remunerasi Dewan Komisaris sesuai of remuneration for the Board of Commissioners in
dengan peraturan perundangan yang berlaku. Struktur accordance with applicable laws and regulations. The
Remunerasi tersebut dapat berupa gaji, honorarium, Remuneration Structure consist of salary, honorarium,
insentif dan/atau tunjangan yang bersifat tetap dan/ incentives and/or benefits that are fixed and/or variable;
atau variabel; • Based on the results of the evaluation, the
• Berdasarkan hasil evaluasi tersebut Komite Nominasi Nomination and Remuneration Committee will provide
dan Remunerasi akan memberikan rekomendasi kepada recommendations to the Board of Commissioners
Dewan Komisaris mengenai struktur remunerasi, regarding the remuneration structure, remuneration
kebijakan remunerasi dan besaran remunerasi policy and the amount of remuneration for the Board
Dewan Komisaris; of Commissioners;
• Dewan Komisaris akan menyampaikan usulan mengenai • The Board of Commissioners will submit a proposal
honorarium bagi Dewan Komisaris serta tantiem bagi regarding honorarium for the Board of Commissioners
Dewan Komisaris kepada Pemegang Saham untuk and bonus for the Board of Commissioners to the
mendapat persetujuan RUPS. Shareholders to get GMS approval.
Kriteria Penetapan Remunerasi Dewan Komisaris Criteria for Determining the Board of
Commissioners Remuneration
Dalam menjalankan tugas dan tanggung jawabnya, Dewan In carrying out their duties and responsibilities, the Board
Komisaris mendapat sejumlah remunerasi dan fasilitas of Commissioners receives some remuneration and other
lainnya. Kebijakan pemberian remunerasi dan fasilitas facilities, which refer to the resolutions of the Shareholders
lainnya bagi Dewan Komisaris mengacu kepada keputusan as stipulated in the General Meeting of Shareholders by
Pemegang Saham sebagaimana ditetapkan dalam Rapat taking into account the results of studies conducted by
Umum Pemegang Saham dengan memperhatikan hasil the Company. The review of the structure and amount of
kajian yang dilakukan oleh Perusahaan. Kajian tentang remuneration for the Board of Commissionersis based on:
struktur dan jumlah remunerasi untuk Dewan Komisaris
didasarkan pada:
• Ketentuan dan Perundang-Undangan yang berlaku; • Applicable laws and regulation;
• Ketentuan yang berlaku pada PT Pertamina (Persero) • Provisions applicable to PT Pertamina (Persero) as the
selaku Pemegang Saham Pengendali; Controlling Shareholder;
• Kinerja Perseroan; • Company performance;
• Kewajaran dengan Industri Perasuransian; • Fairness with the Insurance Industry;
• Regulasi yang terkait dengan remunerasi lainnya misalnya • Regulations related to other remuneration, such as the
Upah Minimum dan Undang-Undang Ketenagakerjaan. Minimum Wages and the Labor Law.
Pengkajian ulang atas Kebijakan Remunerasi dilakukan The review of the Remuneration Policy is done periodically,
secara berkala termasuk kaji ulang dilakukan untuk including a review for the remuneration of the Board of
remunerasi Dewan Komisaris, Direksi dan Pegawai. Commissioners, Directors and Employees.
Struktur Remunerasi Dewan Komisaris Tahun 2023 Board of Commissioners Remuneration in 2023
Hasil keputusan RUPS Tahunan tanggal 17 Mei 2022 The resolution of the Annual GMS, dated 17 May 2022,
telah menyetujui untuk memberikan kuasa dan wewenang has approved to grant power and authority to the Board of
kepada Dewan Komisaris Perseroan dengan terlebih dahulu Commissioners of the Company with prior approval from the
mendapat persetujuan Pemegang Saham Perseroan yaitu PT Company’s Shareholders, namely PT Pertamina (Persero)
Pertamina (Persero) sebagai Pemegang Saham Pengendali to determine Bonus for members of the Board of Directors
untuk menetapkan Tantiem bagi anggota Direksi dan and the Company’s Board of Commissioners for 2022 fiscal
Dewan Komisaris Perseroan untuk tahun buku 2022; serta year; and to determine the amount of salary/honorarium,
untuk menetapkan besarnya gaji/honorarium, tunjangan allowances and facilities for members of the Board of
dan fasilitas bagi anggota Direksi dan Dewan Komisaris Directors and Board of Commissioners of the Company
Perseroan untuk tahun 2023. for 2023.
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Jumlah realisasi remunerasi anggota Dewan Komisaris pada The realization of remuneration for members of the Board of
tahun 2023 adalah sebesar Rp9.071.347.272,-. Commissioners in 2023 is IDR 9,071,347,272.
Nominasi Direksi The Board of Directors Nomination
RUPS memiliki wewenang penuh untuk mengangkat dan GMS has the full authorities to appoint and dismiss the
memberhentikan anggota Direksi, yang dilakukan dengan members of the Board of Directors, by considering the
memperhatikan visi, misi, dan rencana strategis Perseroan. Company’s vision, mission, and strategic plans. In appointing
Dalam pengangkatan Direksi, usulan pengangkatan anggota the Board of Directors, appointment proposal of the
Direksi kepada RUPS harus memperhatikan rekomendasi members of the Board of Directors to GMS is conducted
dari Dewan Komisaris atau Komite yang menjalankan with recommendation from the Board of Commissioners
fungsi nominasi. Kandidat terpilih akan diangkat dengan or Committees that conduct nomination function. Selected
persetujuan RUPS. Adapun mekanisme nominasi dan candidates will be appointed with approval from the GMS.
pengangkatan Direksi dapat dilihat sebagai berikut: The mechanism for nomination and appointment of Directors
can be seen as follows:
Direkomendasikan oleh
Komite Nominasi dan
Diusulkan oleh Remunerasi atau Diangkat dengan
Pemegang Saham Dewan Komisaris Persetujuan RUPS
Proposed by the Shareholders Recommended by the Nomination Appointed with GMS approval
and Remuneration 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 concerning Fit and Proper Test
Kepatutan Bagi Pihak Utama Lembaga Jasa Keuangan, for the Main Parties of Financial Services Institutions,
pengangkatan anggota Direksi berlaku efektif setelah the appointment of members of the Board of Directors
mendapatkan persetujuan dari Otoritas Jasa Keuangan atas is effective after obtaining approval from the Financial
Penilaian Kemampuan dan Kepatutan (Fit and Proper Test). Services Authority for the Fit and Proper Test. To take part
Untuk dapat mengikuti proses Fit and Proper Test, Perseroan in the Fit and Proper Test process, the Company submits an
mengajukan permohonan untuk memperoleh persetujuan application to obtain the approval of prospective members of
calon anggota Direksinya kepada Otoritas Jasa Keuangan. the Board of Directors to the Financial Services Authority.
Adapun daftar anggota Direksi melakukan penilaian dan The list of members of the Board of Directors conducting
kemampuan dan kepatutan OJK hingga akhir tahun 2023 OJK fit and proper test until the end of 2023 can be seen
dapat dilihat sebagai berikut: as follows:
Tanggal Efektif Berdasarkan
Nama Jabatan Keputusan Fit & Proper OJK Surat OJK
Name Position OJK Fit & Proper Decision Effective Date Based on OJK
Letter
Tatang Nurhidayat Presiden Direktur Surat Keputusan OJK No. Kep-32/ 16 Agustus 2022
President Director KDK.05/2022 – Lulus 16 August 2022
OJK Decree No. Kep-32/
KDK.05/2022 – Pass
Emil Hakim Direktur Keuangan & Layanan Keputusan OJK No. Kep-48/ 10 September 2021
Korporat KDK.05/2021 – Lulus 10 September 2021
Director of Finance & Corporate OJK Decree No. Kep-48/
Service KDK.05/2021 – Pass
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Tanggal Efektif Berdasarkan
Nama Jabatan Keputusan Fit & Proper OJK Surat OJK
Name Position OJK Fit & Proper Decision Effective Date Based on OJK
Letter
Ery Widiatmoko Direktur Pemasaran Asuransi Surat Keputusan OJK No. Kep-59/ 23 September 2020
Director of Insurance Marketing KDK.05/2020 – Lulus 23 September 2020
OJK Decree No. Kep-59/
KDK.05/2020 – Pass
Edi Yoga Prasetyo Direktur Kepatuhan & Surat Keputusan OJK No. KEP- 18 Januari 2024
Manajemen Risiko 5/D.05/2024 – Lulus 18 January 2024
Director of Compliance & Risk OJK Decree No. KEP-5/D.05/2024
Management – Pass
Sudarlin Direktur Teknik Surat Keputusan OJK No. KEP- 30 Oktober 2023
Technical Director 40/D.05/2023 – Lulus 30 October 2023
OJK Decree No. KEP-
40/D.05/2023 – Pass
Remunerasi Direksi
The Board of Directors Remuneration
Prosedur Pengusulan hingga Penetapan Direksi Procedure for Proposing to Appointing Directors
Secara garis besar, prosedur penetapan remunerasi Direksi The procedure for determining the remuneration of Tugu
dilakukan melalui tahapan sebagai berikut: Insurance Board of Directors is carried out in stages as
shown in the following chart:
1 3
Komite Nominasi
& Remunerasi
Dewan Komisaris
menyampaikan
menyampaikan Usulan Struktur dan Besaran
rekomendasi mengenai
Struktur & Besaran Remunerasi Direksi
Struktur & Besaran
Remunerasi Direksi diagendakan, dibahas,
Remunerasi Direksi
kepada Pemegang Saham dan diputuskan dalam
kepada Dewan Komisaris
dalam RUPS RUPS
The Nomination &
The Board of Commissioners The Structure and Amount of
Remuneration Committee
submits the Proposed Remuneration for the Board
submits recommendations
Structure & Amount of of Directors is scheduled,
regarding the Structure &
Remuneration for the Board discussed and decided at
Amount of remuneration of
of Director to Shareholders at the GMS
the Board of Commissioners
the GMS
to the Board of •
Commissioners
2
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• Komite Nominasi dan Remunerasi melakukan • The Nomination and Remuneration Committee
penyusunan dan evaluasi terhadap struktur, kebijakan prepares and evaluates the structure, policies and
dan besaran remunerasi Direksi. Struktur Remunerasi amount of remuneration for the Board of Directors. The
tersebut dapat berupa gaji, honorarium, insentif dan/atau remuneration structure consists of salary, honorarium,
tunjangan yang bersifat tetap dan/atau variabel; incentives and/or allowances that are fixed and/
• Berdasarkan hasil evaluasi tersebut Komite Nominasi or variable;
dan Remunerasi akan memberikan rekomendasi kepada • Based on the results of the evaluation, the
Dewan Komisaris mengenai struktur remunerasi, Nomination and Remuneration Committee will provide
kebijakan remunerasi dan besaran remunerasi Direksi; recommendations to the Board of Commissioners
• Dewan Komisaris akan menyampaikan usulan mengenai regarding the remuneration structure, remuneration
honorarium, gaji bagi serta tantiem Direksi kepada policies and the amount of remuneration for the Board of
Pemegang Saham untuk mendapat persetujuan RUPS. Directors.
• The Board of Commissioners will submit proposals
regarding the honorarium, salary and bonus for the Board
of Directors to the Shareholders for GMS approval.
Kriteria Penetapan Remunerasi Direksi Criteria for Determining the Board of Directors
Remuneration
Dalam menjalankan tugas dan tanggung jawabnya, Direksi In carrying out their duties and responsibilities, the Board of
mendapat sejumlah remunerasi dan fasilitas lainnya. Directors receives some remuneration and other facilities.
Kebijakan pemberian remunerasi dan fasilitas lainnya bagi The policy for providing remuneration and other facilities for
Direksi mengacu kepada keputusan Pemegang Saham the Board of Directors refers to the Shareholder’s resolution
sebagaimana ditetapkan dalam Rapat Umum Pemegang as stipulated in the General Meeting of Shareholders by
Saham dengan memperhatikan hasil kajian yang dilakukan taking into account the results of the review conducted by
oleh Perseroan. Kajian tentang struktur dan jumlah the Company. The review of the structure and amount of
remunerasi untuk Direksi didasarkan pada: 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) • Provision applicable to PT Pertamina (Persero) as the
selaku Pemegang Saham Pengendali; Controlling Shareholder;
• Kinerja Perseroan; • Company performance;
• Kewajaran dengan Industri Perasuransian; • Fairness with the Insurance Industry;
• Regulasi yang terkait dengan remunerasi lainnya misalnya • Regulations related to other remuneration such as
Upah Minimum dan Undang-Undang Ketenagakerjaan. Minimum Wages and The Labor Laws.
Pengkajian ulang atas Kebijakan Remunerasi dilakukan The review of the Remuneration Policy is done periodically,
secara berkala termasuk kaji ulang dilakukan untuk including a review for the remuneration of the Board of
remunerasi Dewan Komisaris, Direksi dan Pegawai. Commissioners, Directors and Employees.
Struktur Remunerasi Direksi Tahun 2023 The Board of Directors Remuneration in 2023
Hasil keputusan RUPS Tahunan tanggal 17 Mei 2022 The Resolution of the Annual GMS on 17 May 2022 has
telah menyetujui untuk memberikan kuasa dan wewenang approved to grant power and authority to the Company’s
kepada Dewan Komisaris Perseroan dengan terlebih dahulu Board of Commissioners with prior approval from the
mendapat persetujuan Pemegang Saham Perseroan yaitu PT Company’s Shareholders, namely PT Pertamina (Persero)
Pertamina (Persero) sebagai Pemegang Saham Pengendali as the Controlling Shareholder to determine Bonus for
untuk menetapkan Tantiem bagi anggota Direksi dan members of the Board of Directors and The Company’s
Dewan Komisaris Perseroan untuk tahun buku 2022; serta Board of Commissioners for the 2022 fiscal year; and to
untuk menetapkan besarnya gaji/honorarium, tunjangan determine the amount of salary/honorarium, allowances and
dan fasilitas bagi anggota Direksi dan Dewan Komisaris facilities for members of the Board of Directors and Board of
Perseroan untuk tahun 2023. Commissioners of the Company for 2023.
Jumlah realisasi remunerasi anggota Direksi pada tahun The realization of remuneration for members of the Board of
2023 sebesar Rp38.057.784.084,-. Directors in 2023 is IDR38,057,784,084.
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3.F.
Dewan Pengawas Syariah
Sharia Supervisory Board
Dewan Pengawas Syariah (DPS) merupakan bagian dari Sharia Supervisory Board (SSB) is part of the Company’s
Organ Perusahaan yang mempunyai tugas dan fungsi Organ that has duty and supervisory functions over the
pengawasan terhadap penyelenggaraan kegiatan usaha business activities management of the Company by
Perusahaan agar sesuai dengan Prinsip Syariah, yaitu prinsip the Sharia Principles, namely Islamic laws principles in
hukum Islam dalam kegiatan perasuransian berdasarkan insurance activities based on a fatwa issued by an institution
fatwa yang dikeluarkan oleh lembaga yang memiliki authorized to determine fatwa in the sharia sector as
kewenangan dalam penetapan fatwa di bidang syariah stipulated in Law No. 40 of 2014 concerning Insurance.
sebagaimana dimaksud dalam Undang-Undang No. 40 Tahun
2014 tentang Perasuransian.
DPS dibentuk berdasarkan Pasal 35 (1) POJK No. 73/ Sharia Supervisory Board was formed based on Article 35
POJK.05/2016 tentang Tata Kelola Perusahaan yang Baik (1) POJK No. 73/POJK.05/2016 concerning Good Corporate
bagi Perusahaan Perasuransian (“POJK No. 73/2016”) yang Governance for Insurance Companies (“POJK No. 73/2016”)
mengatur bahwa Perusahaan Asuransi Syariah, Perusahaan which regulates that Sharia Insurance Companies, Sharia
Reasuransi Syariah, dan Perusahaan Asuransi atau Reinsurance Companies, and Insurance Companies or
Perusahaan Reasuransi yang menyelenggarakan sebagian Reinsurance Companies that operate part of their business
usahanya berdasarkan Prinsip Syariah wajib memiliki DPS. based on Sharia Principles 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 DPS terdiri dari 1 (satu) orang atau lebih ahli syariah Sharia Supervisory Board consists of 1 (one) or more
yang diangkat oleh RUPS atas rekomendasi Dewan Syariah sharia experts appointed by the GMS based on the
Nasional (DSN), sebuah badan di bawah Majelis Ulama recommendation of the National Sharia Council (DSN), an
Indonesia (MUI). Masa jabatan DPS adalah 3 (tiga) tahun agency under the Indonesian Ulema Council (MUI). The term
setelah penunjukan dalam bentuk akta notaris, namun RUPS of office of Sharia Supervisory Board is 3 (three) years as of
memiliki wewenang untuk memberhentikan bila anggota the appointment in the form of a notary deed. However, the
DPS terbukti melanggar ketentuan dalam Anggaran Dasar GMS has the authority to dismiss Sharia Supervisory Board
Perusahaan berikut perubahan-perubahannya. members if they are proven to have violated the provisions in
the Company’s Articles of Association and its amendments.
Pengangkatan anggota DPS berlaku efektif setelah Appointment of Sharia Supervisory Board members takes
mendapatkan persetujuan dari Otoritas Jasa Keuangan (OJK) effect upon approval from OJK on the Fit and Proper
atas Penilaian Kemampuan dan Kepatutan sesuai dengan Assessment under Financial Services Authority Regulation
Peraturan Otoritas Jasa Keuangan No. 27/POJK.03/2016 No. 27/POJK.03/2016 concerning the Fit and Proper Test
tentang Penilaian Kemampuan dan Kepatutan Bagi Pihak for Main Parties of Financial Services Institutions, and
Utama Lembaga Jasa Keuangan, serta memenuhi peraturan compliance with applicable laws and regulations. To enroll
perundang-undangan yang berlaku. Untuk dapat mengikuti in the Fit and Proper Assessment process, the Company
proses Penilaian Kemampuan dan Kepatutan, Perseroan applies for approval of Sharia Supervisory Board members to
mengajukan permohonan untuk memperoleh persetujuan the OJK.
calon anggota DPS kepada OJK.
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Susunan Keanggotaan Dewan Pengawas Syariah
Sharia Supervisory Board Membership Composition
Per 31 Desember 2023, komposisi anggota DPS terdiri dari As of 31 December 2023, the composition of Sharia
satu orang ketua dan satu orang anggota: Supervisory Board members consists of one chairman and
one member:
Tanggal
Jumlah Periode
Pengangkatan oleh
Nama Jabatan Dasar Pengangkatan Masa Jabatan Menjabat
RUPS
Name Position Basis of Appointment Term of Office Number of Term of
Appointment date by
Office Period
the GMS
Dr. H. Muhammad Ketua DPS KEP-31/NB.22/2017 28 April 2023 2023-2026 3 Periode
Maksum, S.H., M.A., Sharia Supervisory tanggal 24 Juli 2017 3 Terms
MDC 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 DPS
Profile of Sharia Supervisory Board Members
Dr. H. Muhammad Maksum, S.H., M.A., MDC
Ketua DPS | SSB Chairman
Periode Jabatan | Period
2023-2026
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Temanggung, 15 Juli 1978
Birthdate/Place Temanggung, 15 July 1978
Usia 45 tahun
Age 45 years old
Domisili Tangerang Selatan, Banten
Domicile South Tangerang, Banten
Riwayat Penunjukan • Akta Notaris Vivi Novita Rido, S.H., M.Kn., • Notarial Deed of Vivi Novita Rido, S.H., M.Kn.,
Appointment History No. 08 tanggal 09 November 2017. No. 08 dated 09 November 2017.
• Akta Notaris Jose Dima Satria, S.H., M.Kn., • Notarial Deed of Jose Dima Satria, S.H., M.Kn.,
No. 97 tanggal 16 Desember 2020. No. 97 dated 16 December 2020.
• Akta Notaris Jose Dima Satria, S.H., M.Kn., • Notarial Deed of Jose Dima Satria, S.H., M.Kn.,
No. 124 tanggal 28 April 2023. No. 124 dated 28 April 2023.
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Pendidikan dan Pelatihan • Sertifikat Kompetensi Pengawas Syariah dan Ahli • Sharia Supervisory and Master of Capital Market
Education and Training Pasar Modal dari BNSP melalui LSP MUI (2022). Competency Certificate from BNSP through LSP
• Master Hukum Ekonomi di University of Perpignan MUI (2022).
Via Domitia, Perancis (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
• Magister Ekonomi Islam di Universitas Islam Negeri Hidayatullah State Islamic University (2013).
Syarif Hidayatullah (2007). • Masters of Islamic Economy at Syarif Hidayatullah
• Sarjana Syariah Fakultas Syariah di IAIN (2001). State Islamic University (2007).
• Bachelor's degree of Sharia Faculty at IAIN (2001).
Riwayat Pekerjaan dan Rangkap • Guru Besar dan Dekan Fakultas Syariah dan • Professor and Dean in Faculty of Sharia and Law at
Jabatan Hukum di UIN Syarif Hidayatullah (2023-sekarang). UIN Syarif Hidayatullah (2023-present).
Work History and Concurrent • Dewan Pengawas Syariah di Bank DKI UUS • Sharia Supervisory Board in Bank DKI Sharia Unit
Position (2021-sekarang). (2021-present).
• Dewan Pengawas Syariah di Bank Jago • Sharia Supervisory Board in 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 in PT Allianz Global
Investment (2018-sekarang). Investment (2018-present).
• Dewan Pengawas Syariah di PT Asuransi Tugu • Sharia Supervisory Board in PT Asuransi Tugu
Pratama Indonesia Tbk (2017-sekarang). Pratama Indonesia Tbk (2017-present).
• Asesor Kompetensi Pengawas Syariah Terlisensi • Competency Assessor for Sharia Supervisory
dari Badan Nasional Standarisasi Profesi/BNSP License of BNSP (2017-present)
(2017-sekarang).
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relations Komisaris, Direksi dan Pemegang Saham Utama/ Commissioners, Board of Directors and Majority/
Pengendali. Controlling Shareholders.
Kepemilikan Saham TUGU Tidak memiliki saham TUGU. Does not own shares in TUGU.
TUGU Share Ownership
dr. Siti Hannah, M.K.M.
Anggota DPS | SSB member
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Jakarta, 04 Agustus 1980
Birthdate/Place Jakarta, 04 August 1980
Usia 43 tahun
Age 43 years old
Domisili DKI Jakarta
Domicile
Riwayat Penunjukan Akta Notaris Jose Dima Satria, S.H., Mkn. No. 1 tanggal 1 Februari 2024.
Appointment History Notarial Deed of Jose Dima Satria, S.H., Mkn. No. 1 dated 1 February 2024.
Pendidikan dan Pelatihan • Pelatihan Calon Asesor Sertifikasi Rumah Sakit • Training for Sharia Hospital Certification Assessor
Education and Training Syariah dari DSN-MUI Institute (2022). Candidates from the DSN-MUI Institute (2022).
• 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
• Magister Kesehatan Masyarakat di Universitas (2022).
Indonesia (2010). • Master of Public Health at the University of
• Program Studi Profesi Dokter di Universitas Indonesia (2010).
Tarumanegara (2005). • Medical Professional Study Program at
• Sarjana Kedokteran di Universitas Tarumanegara Tarumanegara University (2005).
(2003). • Bachelor of Medicine at Tarumanegara University
(2003).
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Riwayat Pekerjaan dan Rangkap • Anggota Dewan Pengawas Syariah • Member of the Sharia Supervisory Board of
Jabatan PT. Multiniaga Intermedia Proteksi/MIP (2022). PT. Multiniaga Intermedia Proteksi/MIP (2022).
Work History and Concurrent • Bidang Pelayanan Kesehatan, Dinas Kesehatan • Health Services Sector, DKI Jakarta Provincial
Position Provinsi DKI Jakarta (2017-2019). Health Service (2017-2019).
• Dokter Puskesmas Larangan Utara, Dinas • North Larangan Community Health Center doctor,
Kesehatan Kota Tangerang (2014-2016). Tangerang City Health Service (2014-2016).
• Supervisor Kader Kesehatan Kerja sama PDUI dan • Supervisor of PDUI and BTPN Cooperation Health
BTPN (2013-2014). Cadres (2013-2014).
• Dokter Dialog Interaktif Kerja sama PDUI dan BTPN • Interactive Dialogue Doctor, a Collaboration
(2011-2014). between PDUI and BTPN (2011-2014).
• Dokter Layanan Kesehatan Kerja sama PDUI dan • PDUI and BTPN Collaboration Health Services
BTPN (2011-2014). Doctor (2011-2014).
• Dinas Kesehatan Provinsi Banten (2010-2014). • Banten Provincial Health Service (2010-2014).
• Dokter PTT Daerah Provinsi Banten (2007-2010). • Regional Non-Permanent Doctor in Banten Province
• Ketua Dewan Pengawas Poltekkes Kemenkes (2007-2010).
Jakarta III (2000-sekarang). • Chairman of the Supervisory Board of the Ministry
of Health Jakarta III Polytechnic (2000-present).
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relations Komisaris, Direksi dan Pemegang Saham Utama/ Commissioners, Board of Directors and Majority/
Pengendali. Controlling Shareholders.
Kepemilikan Saham TUGU Tidak Memiliki Saham TUGU. Does not own shares in TUGU.
TUGU Share Ownership
Tugas Pokok Dewan Pengawas Syariah
Main Duties of Sharia Supervisory Board
DPS memiliki tugas pokok untuk melaksanakan tugas Sharia Supervisory Board has the main duty to carry out
pengawasan dan pemberian nasihat dan saran kepada supervisory duties and provide advice and suggestions to the
Direksi agar kegiatan usaha Perseroan sesuai dengan Board of Directors thus, the Company’s business activities
Prinsip Syariah. Pelaksanaan tugas pengawasan dan are comply to the Sharia Principles. The supervisory and
pemberian nasihat dan saran tersebut dilakukan terhadap: advisory duties are performed on:
1. Kegiatan dalam pengelolaan kekayaan dan kewajiban 1. Activities in the management of assets and liabilities,
baik dana tabbaru’, dana tanahud, dana perusahaan, both tabbaru’ and tanahud funds, company funds, and
maupun dana investasi peserta; participant investment funds;
2. Produk asuransi syariah yang dipasarkan; dan 2. Marketed sharia insurance products; and
3. Praktik pemasaran produk asuransi syariah. 3. Sharia insurance product marketing practices.
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 Sharia
oleh DPS dilakukan melalui Rapat yang diselenggarakan Supervisory Board through Meetings with details as follows:
sebagai berikut:
1. Dalam Rapat Rutin, yang diselenggarakan setiap bulan 1. In Regular Meeting held every month or minimum
atau minimum 6 (enam) kali dalam satu tahun (sesuai 6 (six) times in one year (according to POJK
POJK No. 73/POJK.05/2016 tanggal 28 Desember No. 73/POJK.05/2016 dated 28 December 2016),
2016), Tim Syariah akan memberikan informasi terkini Sharia Team provides the latest information to Sharia
kepada DPS mengenai: Supervisory Board regarding:
• Pencapaian bisnis dan review atas rencana kerja; • Business achievement and review of work plan;
• Tindak lanjut atas notulen Rapat dari • Follow up on minutes of the Meeting from the
periode sebelumnya; previous period;
• Membahas potensi-potensi bisnis yang ditemui dan • Discuss existing business potential and relevant
membahas jika ada hal-hal yang perlu didiskusikan matters that need to be discussed and require
dan dimintakan pendapat dari sudut pandang Syariah. opinions from Sharia point of view.
2. Dalam Rapat ad hoc/sewaktu-waktu jika ada keperluan 2. In an ad hoc meeting/at any time if there is an urgent
mendesak untuk meminta pandangan dari DPS. need to ask for opinions from Sharia Supervisory Board.
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Rapat dan Tingkat Kehadiran Dewan Pengawas Syariah
Sharia Supervisory Board Meeting Frequency
Ketentuan Rapat DPS sebagaimana diatur dalam POJK The provisions of Sharia Supervisory Board Meetings as
No. 73/POJK.05/2016 (POJK No. 73/2016) tentang Tata stipulated in the POJK No. 73/2016.05/2016 (POJK No.
Kelola Perusahaan yang Baik bagi Perusahaan Perasuransian 73/2016) concerning Good Corporate Governance for
adalah sebagai berikut: Insurance Companies are as follow:
1. DPS wajib menyelenggarakan Rapat DPS secara berkala 1. Sharia Supervisory Board is obliged to hold regular SSB
paling sedikit 6 (enam) kali dalam satu tahun; Meetings at least 6 (six) times in a year;
2. Hasil Rapat DPS sebagaimana dimaksud pada ayat 2. The results of Sharia Supervisory Board Meeting as
(1) wajib dituangkan dalam risalah rapat DPS dan referred to in paragraph (1) must be recorded in the
didokumentasikan dengan baik; minutes of Sharia Supervisory Board meeting and
3. Perbedaan pendapat (dissenting opinions) yang terjadi properly documented;
dalam keputusan Rapat DPS wajib dicantumkan secara 3. Dissenting opinions expressed in the Sharia Supervisory
jelas dalam risalah rapat DPS disertai alasan perbedaan Board Meeting resolutions must be clearly stated in the
pendapat (dissenting opinions) tersebut; minutes of the Sharia Supervisory Board meeting along
4. Anggota DPS yang hadir maupun yang tidak hadir dalam with the reasons for the dissenting opinions;
Rapat DPS berhak menerima salinan risalah Rapat DPS. 4. Members of Sharia Supervisory Board who are present
or absent at the Meeting are entitled to receive a copy of
the minutes of the Meeting.
Pada tahun 2023, DPS melaksanakan rapat internal In 2023, Sharia Supervisory Board held 9 (nine) internal
sebanyak 9 (sembilan) kali yang secara keseluruhan meetings, which discussed regular Sharia Supervisory
membahas terkait rapat rutin DPS, penggantian DPS, update Board Meetings, Sharia Supervisory Board replacement,
laporan keuangan, dan update rencana spin-off. Jumlah financial report update, and update on spin-off plan. The
Rapat DPS tersebut telah memenuhi ketentuan POJK No. total of Sharia Supervisory Board Meetings has complied
73/2016, dengan jumlah rapat dan kehadiran dalam Rapat with the provisions of POJK No. 73/2016, with the number
DPS sebagaimana tabel berikut: of meetings and attendance at the Meetings as in the
following table:
Tidak Hadir dengan Surat
Kehadiran dalam
Nama Jumlah Rapat Jumlah Kehadiran Kuasa
%
Name Total Meetings Total Attendance Absence with Power of
Attendance in %
Attorney
Dr. H. Muhammad Maksum, S.H., M.A., MDC 9 9 100% -
dr. Siti Hannah, M.K.M. 1) 4 4 100% -
1)
pengangkatan melalui RUPST Perseroan yang diselenggarakan pada tanggal 28 April 2023.
1)
Appointment through the Company's AGMS held on 28 April 2023.
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Komite dan Fungsi di Bawah Dewan Komisaris
4. Committees Under The Board of Commissioners
4.A.
Komite Audit
Audit Committee
Dalam rangka mendukung pelaksanaan tugas Dewan To support the implementation of the duties of the Board
Komisaris, Komite Audit menjalankan tugas dan fungsi of Commissioners, the Audit Committee carries out duties
pengawasan atas hal-hal yang berhubungan dengan and supervisory functions on matters relating to financial
informasi keuangan, sistem pengendalian internal, serta information, internal control systems, as well as the
efektivitas pemeriksaan oleh auditor internal dan eksternal effectiveness of audits by internal auditors and external
dengan melakukan pemantauan dan evaluasi atas auditors by monitoring and evaluating the planning and
perencanaan dan pelaksanaan audit dalam rangka menilai implementation of audit to assess the adequacy of internal
kecukupan pengendalian internal termasuk proses pelaporan control, including the financial reporting process. The
keuangan. Pembentukan Komite Audit Tugu Insurance establishment of Tugu Insurance’s Audit Committee is guided
berpedoman kepada Peraturan Otoritas Jasa Keuangan No. by the Financial Services Authority Regulation No. 55/
55/POJK.04/2015 tentang Pembentukan dan Pedoman POJK.04/2015 regarding the Establishment and Guidelines
Pelaksanaan Kerja Komite Audit, dan Peraturan Otoritas Jasa for the Work Implementation of the Audit Committee
Keuangan No. 73/POJK.05/2016 tentang Penerapan Tata and the Financial Services Authority Regulation No. 73/
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 tata kerja Komite Audit dalam The Audit Committee Charter is the work procedure of the
pelaksanaan fungsinya untuk membantu tugas pengawasan Audit Committee in performing its functions to assist the
Dewan Komisaris. Dengan adanya piagam tersebut supervisory duties of the Board of Commissioners. With this
diharapkan tugas dan kewenangan Komite Audit dapat charter, it is expected that the duties and authority of the
berjalan secara profesional, efisien, efektif, independen, Audit Committee can be carried out professionally, efficiently,
serta bebas dari intervensi. effectively, independently, and free from intervention.
Piagam Komite Audit disusun berdasarkan peraturan The Audit Committee Charter is one of Tugu Insurance’s
perundang-undangan yang berlaku, dan sebagai salah satu GCG Soft Structure documents and is arranged based
soft structure tata kelola Tugu Insurance. Piagam Komite on prevailing laws and regulations. The Charter was first
Audit pertama kali disahkan oleh Dewan Komisaris pada approved by the Board of Commissioners on 7 May 2014
7 Mei 2014, serta dikaji ulang dan dimutakhirkan secara and is reviewed and updated periodically, with the latest
periodik, dengan pemutakhiran terakhir telah disahkan oleh update has been approved by the Board of Commissioners
Dewan Komisaris pada 12 November 2021. Dalam Piagam on 12 November 2021. The Audit Committee Charter
Komite Audit Tugu Insurance diatur tentang pembentukan, regulates the formation, organization and term of office,
organisasi dan masa kerja, tugas, tanggung jawab dan duties, responsibilities and authorities, work procedures,
wewenang, tata cara dan prosedur kerja, mekanisme reporting mechanisms, and handling of complaints.
pelaporan serta aspek penanganan pengaduan.
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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 tugas anggota Komite Audit tidak dismissed by the Board of Commissioners' term of office.
boleh lebih lama dari masa jabatan Dewan Komisaris dan The Audit Committee members’ term of office may not be
dapat dipilih kembali hanya untuk satu periode berikutnya longer than the Board of Commissioners' term of office
sebagaimana diatur dalam Peraturan Otoritas Jasa and can be reappointed only for one subsequent period as
Keuangan dengan tidak mengurangi hak Komisaris untuk stipulated in the Financial Services Authority Regulations
memberhentikannya sewaktu-waktu. without prejudice to the right of the Board of Commissioners
to terminate them at any time.
Komposisi Komite Audit terdiri dari seorang Ketua dan The Audit Committee is composed of a chairman and at
sedikitnya 2 (dua) orang anggota. Ketua Komite Audit adalah least 2 (two) members. The Audit Committee Chairman
Komisaris Independen, sedangkan anggotanya adalah concurrently serves as an Independent Commissioner,
Komisaris dan/atau pihak luar yang independen. Ketua while the members are Commissioners and/or independent
dan Anggota Komite Audit diangkat oleh Dewan Komisaris external parties. The Chairman and Members of the Audit
berdasarkan persyaratan kompetensi dan ketentuan Committee are appointed by the Board of Commissioners
kebutuhan Perseroan dengan mengacu pada peraturan based on the competency requirements and the Company’s
perundang-undangan yang berlaku. needs with reference to the prevailing laws and regulations.
Pada tahun 2023, susunan anggota Komite Audit telah In 2023, the composition of the Audit Committee
disahkan sebagaimana Surat Keputusan Dewan Komisaris members has been ratified in accordance with the Board
No. 03/SKK-ATPI/IX/2021 dan disampaikan kepada Otoritas of Commissioners Decree No. 03/SKK-ATPI/IX/2021 and
Jasa Keuangan dengan Surat No. 075/S/CSD-ATPI/IX/2021 submitted to the Financial Services Authority with Letter No.
tanggal 3 September 2021. 075/S/CSD-ATPI/IX/2021 dated 3 September 2021.
Susunan keanggotaan Komite Audit Tugu Insurance per 31 The membership composition of the Tugu Insurance Audit
Desember 2023 adalah sebagai berikut: Committee as of 31 December 2023 is as follows:
Nama Jabatan Dasar Pengangkatan Periode Masa Jabatan
Name Position Basis of Appointment Period
Poerwo Tjahjono Ketua Surat Keputusan Dewan Komisaris No. 05/ 1 Januari 2021 s.d. 31 Desember 2023.
Chairman SKK-ATPI/XII/2020 tanggal 30 Desember 2020 1 January 2021 until 31 December 2023.
tentang Perubahan Susunan Anggota Komite Audit
PT Asuransi Tugu Pratama Indonesia Tbk.
The Board of Commissioners’ Decree
No. 05/SKK-ATPI/XII/2020 dated 30 December
2020 concerning the Changes in Composition of
the Audit Committee Members of PT Asuransi Tugu
Pratama Indonesia Tbk.
Dini Rosdini Anggota Surat Keputusan Dewan Komisaris No. 05/ 1 Januari 2021 s.d. 31 Desember 2023.
Member SKK-ATPI/XII/2020 tanggal 30 Desember 2020 1 January 2021 until 31 December 2023.
Eni Pratiwi Herlinawati Anggota tentang Perubahan Susunan Anggota Komite Audit
Member PT Asuransi Tugu Pratama Indonesia Tbk.
The Board of Commissioners’ Decree
No. 05/SKK-ATPI/XII/2020 dated 30 December
2020 concerning the Changes in Composition of
the Audit Committee Members of PT Asuransi Tugu
Pratama Indonesia Tbk.
Saleh Basir Anggota Surat Keputusan Dewan Komisaris No. 03/ 1 September 2021 s.d. 31 Desember
Member SKK-ATPI/IX/2021 tanggal 1 September 2021 2023.
tentang Perubahan Susunan Anggota Komite Audit 1 September 2021 until 31 December
PT Asuransi Tugu Pratama Indonesia Tbk. 2023.
The Board of Commissioners’ Decree
No. 03/SKK-ATPI/IX/2021 dated 1 September
2021 concerning the Changes in Composition of
the Audit Committee Members of PT Asuransi Tugu
Pratama Indonesia Tbk.
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Profil Komite Audit
Audit Committee Profile
Nama Jabatan
No
Names Position
1 Poerwo Tjahjono Ketua Komite Audit Profil lengkap Bapak Poerwo Tjahjono dapat dilihat
Audit Committee Chairperson pada profile Dewan Komisaris pada Laporan Tahunan
ini.
The profile of Mr. Poerwo Tjahjono can be found in the
Board of Commissioners profile in this Annual Report.
Dini Rosdini
Anggota Komite Audit | Audit Committee Member
Periode Jabatan | Period
1 Januari 2021-31 Desember 2023 | 1 January 2021-31 December 2023
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Jakarta, 13 April 1977
Birthdate/Place
Usia 46 tahun
Age 46 years old
Domisili Tangerang Selatan, Banten
Domicile South Tangerang, Banten
Pendidikan dan Sertifikasi • Doktor Ilmu Akuntansi di Universitas Indonesia • Doctoral degree in Accounting, University of
Education and Certification (2009-2015). Indonesia (2009-2015).
• Mempunyai Sertifikasi Certified Enterprise Risk • Certified with Certified Enterprise Risk Governance
Governance (CERG), sertifikasi Qualified Risk (CERG) Certification, Qualified Risk Governance
Governance Professional (QRGP) sertifikasi Professional (QRGP) certification, Chartered
Chartered Accountant (CA), sertifikasi Akuntansi Accountant (CA) certification, Sharia Accounting
Syariah (SAS), Certification in Audit Committee (SAS) certification, Certification in Audit Committee
Practices (CACP), Certified Sustainability Reporting Practices (CACP), Certified Sustainability Reporting
Specialist (CSRS), dan Certified Sustainability Specialist (CSRS), and Certified Sustainability
Reporting Assurer (CSRA). Reporting Assurer (CSRA).
Riwayat Pekerjaan • Anggota Komite Pemantau Risiko Tugu Insurance • Member of Tugu Insurance Risk Monitoring
Work Experience (2016-2020). Committee (2016-2020).
• Anggota Komite Audit Tugu Insurance (2014-2016). • Member of Tugu Insurance Audit Committee (2014-
• Auditor di KAP Sugiono Poulus dan Rekan (2000). 2016).
• Auditor at KAP Sugiono Poulus and Partners
(2000).
Rangkap Jabatan • Anggota Komite Audit PT Mitrabara Adiperdana Tbk • Member of the Audit Committee of PT Mitrabara
Concurrent Position (2018-sekarang). Adiperdana Tbk (2018-present).
• Dosen di Fakultas Ekonomi dan Bisnis Universitas • Lecturer at the Faculty of Economics and Business,
Padjadjaran (2001-sekarang). Padjadjaran University (2001-present).
• Peneliti dan konsultan pada Pusat Pengembangan • Researcher and consultant at the Center for
Akuntansi Universitas Padjadjaran hingga Accounting Development of Padjadjaran University
saat ini yang berfokus pada penyusunan that focuses on the preparation of accounting
pedoman akuntansi perusahaan-perusahaan guidelines for companies based on the Statement
berdasarkan Pernyataan Standar Akuntansi of Financial Accounting Standards (PSAK), which
Keuangan (PSAK) yang telah konvergensi dengan has converged with the International Financial
International Financial Reporting Standard (IFRS) Reporting Standard (IFRS)
(2001-sekarang). (2001-present).
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relations Komisaris, Direksi dan Pemegang Saham Utama/ Commissioners, Board of Directors and Majority/
Pengendali. Controlling Shareholders.
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Eni Pratiwi Herlinawati
Anggota Komite Audit | Audit Committee Member
Periode Jabatan | Period
1 Januari 2021-31 Desember 2023 | 1 January 2021-31 December 2023
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Gunung Kidul, 5 Desember 1964
Birthdate/Place Gunung Kidul, 5 December 1964
Usia 59 tahun
Age 59 years old
Domisili Sukmajaya, Depok
Domicile
Pendidikan dan Sertifikasi Sarjana Ekonomi Akuntansi di Universitas Gadjah Bachelor of Accounting from Gadjah Mada University,
Education and Certification Mada, Yogyakarta (1990). Yogyakarta (1990).
Riwayat Pekerjaan • VP Portfolio Co. Business Dev. & Portfolio PT • VP of Portfolio Co. Business Dev. & Portfolio of
Work Experience Pertamina (Persero) (Agustus 2020-Desember PT Pertamina (Persero) (August 2020-December
2020). 2020).
• VP Subsidiary & JV Management PT Pertamina • VP of Subsidiary & JV Management of PT Pertamina
(Persero) (Juni 2020-Agustus 2020). (Persero) (June 2020-August 2020).
• Manager Governance & Compliance PT Pertamina • Governance & Compliance Manager of PT
(Persero) (2018-2020). Pertamina (Persero) (2018-2020).
• Manager SJV Business Strategy PT Pertamina • SJV Business Strategy Manager of PT Pertamina
(Persero) (2017-2018). (Persero) (2017-2018).
• Direktur Keuangan PT Pertamedika (2015-2017). • Finance Director of PT Pertamedika (2015-2017).
• Bekerja di Pertamina (Persero) sejak 29 September • Worked at Pertamina (Persero) since 29 September
1992-Desember 2020. 1992-December 2020.
Rangkap Jabatan Tidak memiliki rangkap jabatan di Tugu Insurance Does not have concurrent positions at Tugu Insurance
Concurrent Position maupun perusahaan/lembaga lain. or other companies/institutions.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relations Komisaris, Direksi dan Pemegang Saham Utama/ Commissioners, Board of Directors and Majority/
Pengendali. Controlling Shareholders.
Saleh Basir
Anggota Komite Audit | Audit Committee Member
Periode Jabatan | Period
1 September 2021-31 Desember 2023 | 1 September 2021-31 December 2023
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Sukoharjo, 27 Oktober 1972
Birthdate/Place Sukoharjo, 27 October 1972
Usia 51 tahun
Age 51 years old
Domisili Depok, Jawa Barat
Domicile Depok, East Java
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Pendidikan dan Sertifikasi • Magister Hukum Bisnis di Universitas Indonesia. • Master of Business Law from the University of
Education and Certification • Sarjana Ekonomi di Universitas Indonesia. Indonesia.
• Bachelor of Economics from the University of
Indonesia.
Riwayat Pekerjaan • Sekretaris Dewan Komisaris di BPJS Kesehatan • Secretary to the Board of Commissioners at BPJS
Work Experience (2014-2016). Kesehatan (2014-2016).
• Anggota Komite Audit di BPJS Kesehatan (2012- • Member of the Audit Committee at BPJS Kesehatan
2014). (2012-2014).
• Anggota Komite Audit di PT Pembangunan Jaya • Member of the Audit Committee at PT
Ancol Tbk (2004-2012). Pembangunan Jaya Ancol Tbk (2004-2012).
• Partner di Jmthouse (2004-2010). • Partner at Jmthouse (2004-2010).
• Analis di Divisi Listing Bursa Efek Jakarta (2001- • Analyst at Jakarta Stock Exchange Listing Division
2003). (2001-2003).
• Senior Auditor di Kantor Akuntan Publik Drs. Syarief • Senior Auditor at Public Accounting Firm of Drs.
Basir, MBA (1998-2001). Syarief Basir, MBA (1998-2001).
Rangkap Jabatan Partner di Granada Law Firm (2011-sekarang). Partner at Granada Law Firm (2011-present).
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relations Komisaris, Direksi dan Pemegang Saham Utama/ Commissioners, Board of Directors and Majority/
Pengendali. Controlling Shareholders.
Persyaratan dan Kualifikasi Anggota Komite Audit
Terms and Qualifications of Audit Committee Members
Sebagai perusahaan terbuka, Tugu Insurance tunduk kepada As a public company, Tugu Insurance has complied with
POJK No. 55/POJK.04/2015 tanggal 23 Desember 2015 POJK No. 55/POJK.04/2015 dated 23 December 2015
(“POJK No. 55/2015”) tentang Pembentukan dan Pedoman (“POJK No. 55/2015”) concerning the Establishment and
Pelaksanaan Kerja Komite Audit. Sesuai POJK No. 55/2015, Work Guidelines of the Audit Committee. Pursuant to POJK
anggota Komite Audit Tugu Insurance telah mematuhi No. 55/2015, Tugu Insurance Audit Committee members
ketentuan dan memenuhi persyaratan yang berlaku. have complied the applicable rules and requirements.
Anggota Komite Audit Perseroan juga telah memenuhi The Company’s Audit Committee members have also fulfilled
kualifikasi pendidikan dan pengalaman kerja yang relevan the educational qualifications and relevant work experience
yang harus dimiliki oleh anggota Komite Audit perusahaan that must be owned by members of an insurance company’s
perasuransian sebagai berikut: Audit Committee as follows:
Kriteria Poerwo Eni Pratiwi
Dini Rosdini Saleh Basir
Criteria Tjahjono Herlinawati
Memiliki integritas yang tinggi, kemampuan, pengetahuan dan pengalaman
yang memadai sesuai dengan latar belakang pendidikannya, 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, and be able to
communicate well including providing 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 dan
peraturan perundang-undangan lain yang relevan.
Understand the laws and regulations in insurance and other relevant laws
and regulations.
Memiliki pengetahuan yang baik mengenai kondisi keuangan Perusahaan
Asuransi serta senantiasa meningkatkan kompetensi melalui pendidikan
dan pelatihan.
Have good knowledge about the financial condition of the Insurance
Company and always improve competence through education and training.
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Kriteria Poerwo Eni Pratiwi
Dini Rosdini Saleh Basir
Criteria Tjahjono Herlinawati
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 handal,
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.
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.
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Independensi Komite Audit
Independence of Audit Committee
Untuk menjaga independensinya, Komite Audit diketuai oleh To maintain its independence, the Audit Committee is
Komisaris Independen dengan anggota yang tidak memiliki chaired by an Independent Commissioner and members who
benturan kepentingan yang mempengaruhi kemandiriannya have no conflict of interest that affects their independence
dalam menjalankan tugas, tidak memiliki hubungan in carrying out their duties, not a blood related with fellow
darah dengan sesama anggota Komite Audit, Direksi, dan members of the Audit Committee, the Board of Directors,
Pemegang Saham hingga derajat ketiga, baik secara vertikal and Shareholders up to the third degree of consanguinity,
maupun horizontal atau melalui ikatan perkawinan, serta both vertically and horizontally or affinity (relationship by
tidak memiliki hubungan keuangan dengan semua pihak marriage), and does not have financial relationship with
tersebut. Sama halnya, anggota lainnya dari Komite Audit any of these parties. Likewise, other members of the Audit
adalah pihak lain di luar Perusahaan yang tidak memiliki Committee are external parties outside of the Company
hubungan keuangan, kepengurusan, kepemilikan saham with no financial, management, shareholder, and/or family
dan/atau hubungan keluarga dengan Dewan Komisaris, relations with the Board of Commissioners, Directors and/or
Direksi dan/atau pemegang saham pengendali atau controlling Shareholders, or other relations that can impact
hubungan lain yang dapat mempengaruhi kemampuannya its ability to act independently. The independence of Audit
untuk bertindak independen. Committee is described in the table below:
Independensi anggota Komite Audit dapat dilihat dari tabel The independence of Audit Committee members is described
berikut ini: in the following table:
Tabel Hubungan Kekeluargaan dan Hubungan Keuangan Komite Audit
Table of the Audit Committee’s Familial and Financial Relationships
Hubungan Keluarga Hubungan Keuangan
Familial Relationship Financial Relationship
Keterangan
Dewan Dewan
Description Pemegang Pemegang
Komisaris Direksi Komisaris Direksi
Saham Saham
Board of Board of Directors Board of Board of Directors
Shareholders Shareholders
Commissioners Commissioners
Poerwo Tjahjono
Dini Rosdini
Eni Pratiwi
Herlinawati
Saleh Basir
Tabel Independensi Komite Audit Tugu Insurance
Independence of Tugu Insurance Audit Committee
Aspek Independensi Poerwo Eni Pratiwi
Dini Rosdini Saleh Basir
Independence Aspect Tjahjono Herlinawati
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 6 (six) time last month.
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Aspek Independensi Poerwo Eni Pratiwi
Dini Rosdini Saleh Basir
Independence Aspect Tjahjono Herlinawati
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 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 business relationship, either directly or indirectly, with the
business activities of the Issuer or Public Company.
Tidak menjabat sebagai pengurus partai politik, pejabat pemerintah
daerah.
Does not serve as administrators of political parties, local government
officials.
Tugas dan Tanggung Jawab Komite Audit
Duties and Responsibilities of the Audit Committee
Komite Audit bertugas untuk memberikan pendapat atau The Audit Committee has the duty to provide opinions or
saran kepada Dewan Komisaris terhadap laporan atau hal- suggestions to the Board of Commissioners on reports or
hal yang disampaikan oleh Direksi kepada Dewan Komisaris. matters submitted by the Board of Directors to the Board
Komite Audit juga senantiasa mengidentifikasi hal-hal yang of Commissioners. The Audit Committee also continuously
memerlukan perhatian Dewan Komisaris, dan melaksanakan identifies matters that require the Board of Commissioners’
tugas-tugas lain yang berkaitan dengan tugas Dewan attention and carries out other duties related to the duties of
Komisaris, antara lain meliputi: the Board of Commissioners, including:
1. Laporan Keuangan 1. Financial Reports
• Melakukan penelaahan atas informasi keuangan • Reviewing the adequacy of financial information
yang akan dikeluarkan Perseroan kepada publik dan/ issued by the Company to the public and/or
atau pihak otoritas antara lain laporan keuangan, authorities, including financial reports, projections,
proyeksi, dan laporan lainnya terkait dengan informasi and other reports related to the Company’s
keuangan Perseroan; financial information;
• Memberikan rekomendasi kepada Dewan Komisaris • Providing a recommendation to the Board of
mengenai penunjukan akuntan publik dan kantor Commissioners in the appointment of public
akuntan publik yang didasarkan pada independensi, accountant and public accounting firm based on
ruang lingkup penugasan, dan imbalan jasa, untuk independency, work scope and payment for general
audit umum atas laporan keuangan Perseroan, audit on Company financial report, proposing audit
mengusulkan biaya jasa audit serta mengawasi service fee as well as monitoring the audit work,
pekerjaan audit yang dilakukan, termasuk including proposing termination of employment
mengusulkan penghentian akuntan publik dan/atau with a public accountant and/or independent public
kantor akuntan publik; accounting firm;
• Memberikan persetujuan awal (pre-approval) • Providing pre-approval for non-audit services to be
jasa non audit yang akan ditugaskan kepada assigned to independent auditors;
auditor independen;
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• Memantau dan memastikan bahwa auditor • Monitoring and ensuring that the independent auditor
independen telah melakukan audit atas laporan has conducted an audit of the financial statements
keuangan sesuai dengan Standar Profesional in accordance with the Professional Standards of
Akuntan Publik; Public Accountant;
• Memberikan pendapat independen dalam hal terjadi • Providing independent opinion, in case of dissenting
perbedaan pendapat antara manajemen dan akuntan opinions between management and accountant in
atas jasa yang diberikannya; terms of services;
• Mengusulkan pemutusan hubungan kerja dengan • Proposing termination of employment with
auditor independen kepada Dewan Komisaris jika: an independent auditor to the Board of
- Terdapat indikasi kuat bahwa independensi Commissioners if:
auditor independen diragukan; - There are strong indications that the
- Terbukti bahwa auditor independen tidak independence of the independent auditor
melakukan audit sesuai dengan Standar is compromised;
Profesional Akuntan Publik setelah mendapat - It is proven that the independent auditor does
teguran resmi dari Komite Audit. not conduct an audit with the Public Accountant
2. Sistem Pengendalian Internal Professional Standards after receiving an official
• Melakukan penelaahan atas ketaatan terhadap warning from the Audit Committee.
ketentuan peraturan perundang-undangan yang 2. Internal Control Systems
berhubungan dengan kegiatan Perseroan; • Reviewing the compliance on laws and regulations
• Melakukan penelaahan atas kecukupan usaha related to Company activities;
manajemen dalam mendesain dan melaksanakan • Reviewing the adequacy of management’s efforts
sistem pengendalian internal yang efektif; in designing and implementing an effective internal
• Melakukan penelaahan atas pelaksanaan control system;
pemeriksaan oleh auditor internal dan mengawasi • Reviewing the implementation of internal auditor
pelaksanaan tindak lanjut oleh Direksi atas temuan inspection and monitor the follow ups by Board of
auditor internal; dan Directors on internal auditor findings; and
• Memastikan pengendalian internal dilakukan • Ensuring the internal control is done accordingly.
dengan baik. 3. Coordination with Internal Audit
3. Koordinasi dengan Internal Audit Coordinating with internal auditors in delivering
Melakukan koordinasi dengan internal auditor dalam the duties.
pelaksanaan tugasnya. 4. Risk Management and Compliance with Legislation.
4. Manajemen Risiko dan Kepatuhan terhadap Peraturan • Monitoring the effectiveness of management in the
Perundang-Undangan. efforts to assess and manage risk and compliance
• Melakukan pemantauan terhadap efektivitas with laws and regulations;
manajemen dalam upaya penilaian dan • Reviewing the implementation on risk management
pengelolaan risiko serta kepatuhan terhadap done by the Board of Directors and coordinating with
peraturan perundangan; Risk Monitoring Committee.
• Melakukan penelaahan terhadap aktivitas 5. Complaints to the Company (Whistle Blower).
pelaksanaan manajemen risiko yang dilakukan • Monitoring the effectiveness of complaints
oleh Direksi, dan berkoordinasi dengan Komite mechanisms from employees or third parties carried
Pemantau Risiko. out by management;
5. Pengaduan kepada Perusahaan (Whistle Blower). • Reviewing the complaint process related to
• Melakukan pemantauan terhadap efektivitas accounting and Company financial report.
mekanisme pengaduan dari pegawai atau pihak 6. Confidentiality of Documents and Information.
ketiga yang dilakukan oleh manajemen; Maintaining the confidentiality of company documents,
• Menelaah pengaduan yang berkaitan dengan proses data, and information.
akuntansi dan pelaporan keuangan Perseroan.
6. Kerahasiaan Dokumen dan Informasi.
Menjaga kerahasiaan dokumen, data dan
informasi perusahaan.
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Program Pengembangan Kompetensi Komite Audit
Audit Committee Competency Enhancement
Komite Audit telah mengikuti program peningkatan The competency enhancement programs participated by the
kompetensi sepanjang tahun 2023, antara lain: Audit Committee members throughout 2023 are as follows:
Nama Kegiatan/Program Tanggal/tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
Poerwo Tjahjono Informasi peningkatan kompetensi/pelatihan Bapak Poerwo Tjahjono dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Dewan Komisaris pada bab tata kelola ini.
Information on competency enhancement/training of Mr. Poerwo Tjahjono can be found in the information on
competency enhancement/training for members of the Board of Commissioners in this governance chapter.
Dini Rosdini Simulation Based Workshop of Key 23-24 Februari 2023/Virtual Zoom Center Risk Management of
Risk Indicators 23-24 February 2023/Virtual Zoom Studies (CRMS)
Webinar Risk Management Forum 16 Maret 2023/Virtual Zoom Forum Pertamina
Pertamina Across the Group 2023 16 March 2023/Virtual Zoom
Webinar IAI PSAK 117 Kontrak 5-6 April 2023/Virtual Zoom Ikatan Akuntan Indonesia (IAI)
Asuransi 5-6 April 2023/Virtual Zoom Indonesian Accountants
IAI PSAK 117 Insurance Contracts Association (IAI)
Webinar
Fraud Investigation 25 Juli 2023/Virtual Zoom Association of Certified Fraud
25 July 2023/Virtual Zoom Examiners (ACFE)
GAP Analysis IFRS S1 and S2 19 Agustus 2023/Virtual Zoom Forum Akuntan Manajemen
19 August 2023/Virtual Zoom Management Accountant Forum
Optimizing Business Continuity 27 September 2023/Virtual Zoom Indonesia Risk Management
Strategy to Achieve Sustainable 27 September 2023/Virtual Zoom Professional Association
Objectives (IRMAPA)
Mengawal Keberlanjutan dan 19 Oktober 2023/Ballroom Puri Agung Ikatan Komite Audit Indonesia
Pertumbuhan Perseroan melalui Hotel Sahid Jaya (IKAI)
Pengawasan dan Pengendalian 19 October 2023/Ballroom Puri Agung Indonesian Audit Committee
Risiko Hotel Sahid Jaya Association (IKAI)
Overseeing the Company's
Sustainability and Growth through
Supervision and Risk Control
Sosialisasi POJK Anti Pencucian 12 Desember 2023/Virtual Zoom Tugu Institute
Uang, Pencegahan Pendanaan 12 December 2023/Virtual Zoom
Terorisme, dan Pencegahan
Pendanaan Proliferasi Senjata
Pemusnah Massal (APU, PPT, dan
PPPSPM)
Dissemination of POJK on
Anti-Money Laundering, Counter-
Financing of Terorism, and Counter-
Proliferation of Weapons of Mass
Destruction Financing (AML, CFT,
and CPWMDF)
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Nama Kegiatan/Program Tanggal/tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
Eni Pratiwi Herlinawati GAP Analysis IFRS S1 and S2 19 Agustus 2023/Virtual Zoom Forum Akuntan Manajemen
19 August 2023/Virtual Zoom Management Accountant Forum
Optimizing Business Continuity 27 September 2023/Virtual Zoom Indonesia Risk Management
Strategy to Achieve Sustainable 27 September 2023/Virtual Zoom Professional Association
Objectives (IRMAPA)
Sosialisasi POJK Anti Pencucian 12 Desember 2023/Virtual Zoom Tugu Institute
Uang, Pencegahan Pendanaan 12 December 2023/Virtual Zoom
Terorisme, dan Pencegahan
Pendanaan Proliferasi Senjata
Pemusnah Massal (APU, PPT, dan
PPPSPM)
Dissemination of POJK on
Anti-Money Laundering, Counter-
Financing of Terorism, and Counter-
Proliferation of Weapons of Mass
Destruction Financing (AML, CFT,
and CPWMDF)
Saleh Basir Webinar IAI PSAK 117 Kontrak 5-6 April 2023/Virtual Zoom Ikatan Akuntan Indonesia (IAI)
Asuransi 5-6 April 2023/Virtual Zoom Indonesian Accountants
IAI PSAK 117 Insurance Contracts Association (IAI)
Webinar
Guardian of The Corporacy: The 22-23 Juni 2023/Virtual Zoom Forum Komunikasi Satuan
Role of Internal Audit in Anti Money 22-23 June 2023/Virtual Zoom Pengawas Intern (FKSPI)
Laundering Actions dan Oversight Internal Supervisory Unit
& Expectations of Anti Money Communication Forum (FKSPI)
Laundering Actions
Optimizing Business Continuity 27 September 2023/Virtual Zoom Indonesia Risk Management
Strategy to Achieve Sustainable 27 September 2023/Virtual Zoom Professional Association
Objectives (IRMAPA)
Rapat dan Tingkat Kehadiran Komite Audit
Audit Committee Meeting and Attendance Rate
Komite Audit menyelenggarakan Rapat Komite Audit secara The Audit Committee organizes Audit Committee meetings
berkala paling sedikit 1 (satu) kali dalam 3 (tiga) bulan. periodically at least 1 (one) time in 3 (three) months. The
Rapat tersebut dapat diselenggarakan apabila dihadiri oleh meeting can be held if attended by more than 1/2 (one-
lebih dari 1/2 (satu per dua) jumlah anggota. Keputusan half) of the total members. The resolutions of the Audit
rapat Komite Audit diambil berdasarkan musyawarah Committee meetings are taken based on deliberation
untuk mufakat. for consensus.
Di tahun 2023, Komite Audit telah melaksanakan 36 (tiga In 2023, the Audit Committee has held 36 (thirty six)
puluh enam) kali rapat termasuk rapat gabungan antara meetings including joint meetings between the Audit
Komite Audit dengan Komite Pemantau Risiko dan Komite Committee and the Risk Monitoring Committee and the
Nominasi dan Remunerasi, dan rapat dengan manajemen, Nomination and Remuneration Committee, and meetings
sebagian dari rapat-rapat ini dilakukan secara online melalui with management, some of these meetings were conducted
Microsoft Teams (MTeams). online through Microsoft Teams (MTeams).
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Nama Jumlah Rapat Jumlah Kehadiran Tingkat Kehadiran (%)
Name Total Meeting Total Attendance Attendance Rate (%)
Poerwo Tjahjono 36 36 100%
Dini Rosdini 36 33 92%
Eni Pratiwi Herlinawati 36 34 94%
Saleh Basir 36 25 69%
Laporan Pelaksanaan Tugas Komite Audit
Report on the Implementation of Audit Committee’s Duties
Sepanjang tahun 2023, Komite Audit telah melaksanakan Report on the implementation of Audit Committee’s duties in
tugasnya dengan rincian sebagai berikut: 2023 is as follows:
1. Pengawasan terhadap Pengendalian Internal 1. Supervision of Internal Control
a. Pembahasan RKAP dan KPI Perseroan Tahun 2024 a. Discussion of the Company's 2024 RKAP and KPI
Komite Audit melakukan pembahasan usulan RKAP The Audit Committee, alongside other committees
dan KPI Perseroan Tahun 2024 bersama dengan and management have discussed the Company's
Komite lainnya dan dengan pihak manajemen, 2024 Work Plan & Budget (RKAP) and KPI proposals,
sebelum dibahas di hadapan Dewan Komisaris prior to discussed before the Board of Commissioners
untuk disetujui. for approval.
b. Rapat Berkala dengan Auditor Internal b. Regular Meetings with Internal Auditors
Telah dilakukan rapat dengan Audit Internal sesuai Meetings have been held with Internal Audit in
dengan rencana kerja antara lain terkait dengan accordance with the work plan, including related to
hasil audit umum maupun khusus dan rencana kerja the results of general and special audits and work
tahun berjalan, progres pelaksanaan PKPT (Program plans for the current year, progress in implementing
Kerja Pemeriksaan Tahunan) 2023, serta persiapan the 2023 PKPT (Annual Audit Work Program), as
implementasi PSAK 117. Selain itu juga dilakukan well as preparations for the implementation of PSAK
rapat dengan manajemen terkait implementasi tata 117. In addition, meetings have also been held with
kelola perusahaan yang baik, proses bisnis, dan management related to implementation of good
analisis kinerja bulanan Perseroan. corporate governance, business processes, and
2. Pemantauan Tindak Lanjut Temuan Auditor analysis of the Company's monthly performance.
Komite Audit melakukan rapat dengan Audit Internal 2. Follow-up Monitoring of Auditor Findings
untuk memonitor tindak lanjut temuan auditor eksternal. The Audit Committee holds meetings with Internal Audit
3. Rekomendasi Penunjukan Auditor Eksternal to monitor the follow-up to the external auditor's findings.
Sesuai ketentuan OJK, Komite Audit memberikan 3. Recommendations for the Appointment of the External
rekomendasi penunjukan Auditor Eksternal untuk Tahun Auditor
Buku 2023 dengan memperhatikan hasil evaluasi dan In accordance with OJK regulations, the Audit Committee
pengawasan terhadap kinerja auditor eksternal. provides recommendations for the appointment of
4. Kesesuaian Laporan Keuangan dengan Standar External Auditor for the 2023 Fiscal Year by considering
Akuntansi yang Berlaku the results of evaluation and supervision of the external
a. Reviu Laporan Manajemen auditor's performance.
Komite Audit melakukan reviu atas Laporan 4. Conformity of Financial Reports with Applicable
Manajemen mengenai perkembangan kinerja Accounting Standards
keuangan perusahaan. Hasil reviu disampaikan dalam a. Management Report Review
rapat dengan Dewan Komisaris sebagai masukan The Audit Committee reviews Management Reports
bagi Dewan Komisaris dalam melakukan peran regarding developments in the Company's financial
pengawasan terhadap Direksi. performance. The results of the review are presented
b. Pendalaman Isu Sementara dalam Audit Laporan at a meeting with the Board of Commissioners as
Keuangan input for the Board of Commissioners in carrying out
Dalam setiap proses audit laporan keuangan, their supervisory role towards the Board of Directors.
Komite Audit bersama dengan Dewan Komisaris b. In-Depth Study on the Temporary Issues in Financial
melakukan pemantauan atas proses audit. Komite Report Audits
Audit mengadakan pertemuan dengan auditor In each financial report audit process, the Audit
eksternal dan memantau hasil temuan audit Laporan Committee together with the Board of Commissioners
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Keuangan. Untuk setiap isu yang muncul dalam monitors the audit process. The Audit Committee
audit, anggota Komite Audit melakukan pendalaman holds meetings with external auditors and monitors
atas isu tersebut sesuai dengan Standar Akuntansi the results of the audit of the Financial Statements.
yang berlaku dan menelaah dampaknya terhadap For each issue that arises in the audit, members
laporan keuangan. of the Audit Committee conduct an in-depth
c. Melakukan penelaahan informasi yang akan study of the issue in accordance with applicable
dipublikasikan oleh Perseroan. Accounting Standards and examine its impact on the
5. Rapat Komite Audit dengan Auditor Eksternal financial statements.
Komite Audit bersama dengan Dewan Komisaris telah c. Reviewing information that will be published by
melakukan rapat koordinasi dengan Auditor Eksternal the Company.
terkait dengan pelaksanaan dan hasil Audit Laporan 5. Audit Committee Meeting with External Auditor
Keuangan untuk Tahun Buku 2023. Dari hasil pertemuan The Audit Committee, together with the Board of
ini, Komite Audit juga melakukan pengawasan terhadap Commissioners, have held a coordination meeting with
tindak lanjut temuan auditor eksternal sebagai the External Auditor's regarding the implementation and
bahan evaluasi mengenai efektivitas pengendalian results of the Financial Statement Audit for the 2023
internal perusahaan. Fiscal Year. As the results of this meeting, the Audit
Committee also supervised the follow-up to the external
auditor's findings as evaluation material concerning the
effectiveness of the company's internal controls.
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4.B.
Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee
Dalam rangka memenuhi Peraturan OJK No. 34/ Pursuant to OJK Regulation No. 34/POJK.04/2014
POJK.04/2014 Tentang Komite Nominasi dan Remunerasi Regarding the Nomination and Remuneration Committee
Emiten atau Perusahaan Publik (“POJK No. 34/2014”), of Issuers or Public Companies (“POJK No. 34/2014”),
Tugu Insurance telah mempunyai Komite Nominasi dan Tugu Insurance has a Nomination and Remuneration
Remunerasi yang dibentuk oleh dan bertanggung jawab Committee established by and responsible to the Board
kepada Dewan Komisaris. of Commissioners.
Komite Nominasi dan Remunerasi mempunyai tugas dan The Nomination and Remuneration Committee has the duty
tanggung jawab untuk membantu melaksanakan fungsi dan and responsibility to help carry out the functions and duties
tugas Dewan Komisaris terkait Nominasi dan Remunerasi di of the Board of Commissioners in relation to the Nomination
tingkat Dewan Komisaris, Direksi, anggota Komite di tingkat and Remuneration at the Board of Commissioners, the
Dewan Komisaris dan jabatan hingga dua tingkat di bawah Board of Directors, Committee members at the Board of
Direksi Perseroan. Commissioners level and positions up to two levels under
the Company’s Board of Directors.
Piagam Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee Charter
Pelaksanaan tata kerja Komite Nominasi dan Remunerasi The Nomination and Remuneration Committee delivers its
tercantum pada Piagam Komite yang secara berkelanjutan duties and responsibilities by referring to the Nomination
disempurnakan dan diperbaharui sesuai perkembangan and Remuneration Committee Charter, which is continuously
peraturan perundang-undangan yang berlaku serta kondisi refined and updated following the development of the
terkini. Piagam Komite Nominasi dan Remunerasi terakhir prevailing laws and regulations and current conditions.
diperbaharui dan disempurnakan pada 4 Oktober 2022 yang The Nomination and Remuneration Committee Charter
disahkan oleh Dewan Komisaris. was updated/enhanced and ratified by the Board of
Commissioners on 4 October 2022.
Piagam Komite Nominasi dan Remunerasi mengatur tentang The Nomination and Remuneration Committee Charter
pembentukan, organisasi dan masa kerja, tugas, tanggung regulates the formation, organization and term of office,
jawab dan wewenang dari Komite Nominasi dan Remunerasi. duties, responsibilities and authorities of the Nomination and
Remuneration Committee.
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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 paling kurang terdiri 1. The Nomination and Remuneration Committee shall
dari 3 (tiga) orang anggota, dengan ketentuan: consist of at least 3 (three) members, with the
a. 1 (satu) orang ketua merangkap anggota, yang following provision:
merupakan Komisaris Independen; dan a. 1 (one) chairman concurrently who serves as an
b. Anggota lainnya yang dapat berasal dari: Independent Commissioner; and
- Anggota Dewan Komisaris; b. Other members who are also:
- Pihak yang berasal dari luar Emiten atau - Members of the Board of Commissioners;
Perusahaan Publik yang bersangkutan; atau - Parties from outside the Issuer or Public Company
- Pihak yang menduduki jabatan manajerial concerned; or
di bawah Direksi yang membidangi sumber - Parties holding managerial positions under the
daya manusia. Board of Directors in charge of human resources.
c. Anggota Komite Nominasi dan Remunerasi lainnya c. Most of the members of the Nomination and
sebagian besar tidak dapat berasal dari pihak yang Remuneration Committee may not come from parties
menduduki jabatan manajerial di bawah Direksi yang holding managerial positions under the Board of
membidangi sumber daya manusia. Directors in charge of human resources.
2. Anggota Komite Nominasi dan Remunerasi yang berasal 2. The members of the Nomination and Remuneration
dari luar Emiten atau Perusahaan Publik sebagaimana Committee who come from outside the Issuer or
dimaksud di atas wajib memenuhi syarat: Public Company as referred to above must meet the
a. Tidak mempunyai hubungan Afiliasi dengan Emiten following requirements:
atau Perusahaan Publik, anggota Direksi, anggota a. Have no affiliation with the Issuer or Public Company,
Dewan Komisaris, atau Pemegang Saham Utama members of the Board of Directors, members of the
Emiten atau Perusahaan Publik tersebut; Board of Commissioners, or Majority Shareholders of
b. Memiliki pengalaman terkait Nominasi dan/atau the Issuer or Public Company;
Remunerasi; dan b. Have experience related to Nomination and/or
c. Tidak merangkap jabatan sebagai anggota komite Remuneration; and
lainnya yang dimiliki Emiten atau Perusahaan c. Do not hold concurrent positions as members
Publik tersebut. of other committees owned by the Issuer or
Public Company.
Pada tahun 2023, susunan anggota Komite Nominasi dan In 2023, the composition of the Nomination and
Remunerasi telah disahkan sebagaimana Surat Keputusan Remuneration Committee members has been ratified as
Dewan Komisaris No. 01/SKK_ATPI/IV/2023 tanggal 28 stated in the Decree of the Board of Commissioners No. 01/
April 2023. SKK_ATPI/IV/2023 dated 28 April 2023.
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Pada tahun 2023, susunan keanggotaan Komite Nominasi In 2023, the membership composition of the Tugu
dan Remunerasi Tugu Insurance adalah sebagai berikut: Insurance’s Nomination and Remuneration Committee is
as follows:
Periode Masa
Nama Jabatan Dasar Pengangkatan
Jabatan
Name Position Basis of Appointment
Period
Adi Zakaria Afiff 1) Ketua Surat Keputusan Dewan Komisaris No. 07/SKK-ATPI/XII/2020 tanggal
Chairman 30 Desember 2020 tentang Pengangkatan Kembali Komite Nominasi dan 1 Januari 2021 s.d.
Remunerasi PT Asuransi Tugu Pratama Indonesia Tbk. 28 April 2023.
Decree of the Board of Commissioners No. 07/SKK-ATPI/XII/2020 1 January 2021
dated 30 December 2020 on the Re-appointment of the Nomination and until 28 April 2023
Remuneration Committee of PT Asuransi Tugu Pratama Indonesia Tbk.
Dian Masyita 2) Ketua Surat Keputusan Dewan Komisaris No.01/SKK-ATPI/IV/2023 tanggal 28
Chairman April 2023 tentang Perubahan Susunan Anggota Komite Nominasi dan 28 April 2023 s.d.
Remunerasi PT Asuransi Tugu Pratama Indonesia Tbk. 31 Desember 2023.
Decree of the Board of Commissioners No. 01/SKK-ATPI/IV/2023 dated 28 April 2023 until
28 April 2023 on the Changes in Composition of the Nomination and 31 December 2023.
Remuneration Committee of PT Asuransi Tugu Pratama Indonesia Tbk.
Zaäfri Ananto Husodo Anggota Surat Keputusan Dewan Komisaris No. 07/SKK-ATPI/XII/2020 tanggal
Member 1 Januari 2021 s.d.
30 Desember 2020 tentang Pengangkatan Kembali Komite Nominasi dan
31 Desember 2023.
Ayu Aprilianti Anggota Remunerasi PT Asuransi Tugu Pratama Indonesia Tbk.
1 January 2021
Member Decree of the Board of Commissioners No. 07/SKK-ATPI/XII/2020
until 31 December
Jusman Hutama Anggota (Ex Officio) dated 30 December 2020 on the Re-appointment of the Nomination and
2023.
Member (Ex Officio) Remuneration Committee of PT Asuransi Tugu Pratama Indonesia Tbk.
1)
Tidak lagi menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
2)
Efektif menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak 28 April 2023.
1)
No longer serves as Chair of the Nomination and Remuneration Committee since the closing of the Annual GMS on 28 April 2023.
2)
Effectively serving as Chair of the Nomination and Remuneration Committee since 28 April 2023.
Profil Komite Nominasi dan Remunerasi Per 31 Desember 2023
Profile of Member of the Nomination and Remuneration Committee as of 31 December 2023
Nama Jabatan
No
Names Position
1 Dian Masyita Ketua Komite Nominasi dan Remunerasi Profil lengkap Ibu Dian Masyita dapat dilihat pada
Chairperson of Nomination and Remuneration profile Dewan Komisaris pada Laporan Tahunan ini.
Committee The profile of Ms. Dian Masyita can be found in the
Board of Commissioners profile in this Annual Report.
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Zaäfri Ananto Husodo
Anggota Komite Nominasi dan Remunerasi | Member of Nomination and Remuneration
Committee
Periode Jabatan | Period
1 Januari 2021-31 Desember 2023 | 1 January 2023-31 December 2023
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Malang, 20 Mei 1974
Date and Place of Birth Malang, 20 May 1974
Usia 49 tahun
Age 49 years old
Domisili DKI Jakarta
Domicile
Pendidikan dan Sertifikasi • Doctor (PhD) bidang keuangan dan perbankan dari • PhD in finance and banking from Australia School
Education and Certification Australian School of Business, UNSW (2008) dengan of Business, UNSW specializing in risk on financial
spesialisasi risiko dalam sistem keuangan. system (2008).
• Magister Manajemen bidang keuangan dan • Master of Management from the University of
perbankan dari Universitas Indonesia (2000) dengan Indonesia in finance and banking specializing in
spesialisasi diseminasi informasi di pasar modal. disseminating information in the capital market
• Sarjana Ekonomi bidang sumber daya manusia (2000).
dari Universitas Sebelas Maret (1997) dengan • Bachelor of Economics in human resources from
spesialisasi perencanaan sumber daya manusia Sebelas Maret University (1997) specializing in
pada sektor publik. human resource planning on the public sector
• Mempunyai Sertifikasi Certified Enterprise Risk • Certified with Enterprise Risk Governance (CERG)
Governance (CERG), Sertifikasi Qualified Risk Certification, Qualified Risk Governance Professional
Governance Professional (QRGP). (QRGP) Certification.
Riwayat Pekerjaan • Menjabat sebagai Dewan Pengawas untuk Nord • Supervisory Board for Nord Anglia Education
Work Experience Anglia Education Jakarta sejak 2013 untuk menjalin Jakarta since 2013, responsible for establishing
dan menjaga hubungan kerja sama dengan institusi and maintaining cooperative relationships with
di Indonesia, monitoring operasional sekolah dari institutions in Indonesia, and monitoring school
sisi komposisi SDM, kinerja keuangan dan risiko operations in HR composition, financial performance
operasional. and operational risk.
• Ketua Program Pascasarjana Ilmu Manajemen • Program Director of the Postgraduate Program
sejak 2022, mengelola sumber daya manusia in Management Science since 2022, managing
dan mahasiswa/i, melakukan manajemen risiko human resources and students, operational risk
operasional, pengembangan dan pengelolaan management, developing and managing curriculum,
kurikulum serta menjalin dan menjaga kerja sama establishing and maintaining collaboration with local
dengan institusi lokal dan internasional. and international institutions.
• Sekretaris Progam Studi Pascasarjana Ilmu • Secretary of the Postgraduate Study Program in
Manajemen sejak 2018-2022, mengelola operasi Management Science since 2018-2022, managing
internal program studi, manajemen sumber daya the internal operations of the study program, internal
manusia interal, mengelola adminstrasi akademik human resources management, and study program
program studi. academic administration.
• Menjadi staf khusus Wakil Rektor II di tahun 2014- • Special staff of Vice Chancellor II in 2014-2018 in
2018 dalam bidang analisis keuangan dan proses financial analysis and business processes at the
bisnis Universitas Indonesia. University of Indonesia.
• Research Advisor dalam membangun research-based • Research Advisor for Central Bank of Indonesia,
policy sejak 2003 untuk Bank Indonesia, Otoritas Financial Services Authority and Ministry of Finance
Jasa Keuangan, dan Kementerian Keuangan. since 2003 to assist them in developing research-
based policy.
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Rangkap Jabatan • Dewan Pengawas untuk Nord Anglia Education • Supervisory Board for Nord Anglia Education Jakarta
Concurrent Position Jakarta sejak 2013 untuk menjalin dan menjaga since 2013 to establish and maintain cooperative
hubungan kerja sama dengan institusi di Indonesia, relationships with Indonesian institutions, monitoring
monitoring operasional sekolah dari sisi komposisi school operations in terms of HR composition,
SDM, kinerja keuangan dan risiko operasional. financial performance and operational risks.
• Aktif sebagai pengelola program pascasarjana ilmu • Active as manager of the postgraduate management
manajemen sejak 2009 di FEB-UI serta sebagai science program since 2009 at FEB-UI and lecturer in
Dosen dalam bidang keuangan sejak 2000. finance since 2000.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relation Komisaris, Direksi dan Pemegang Saham Utama/ Commissioners, Board of Directors and Majority/
Pengendali Controlling Shareholders
Ayu Aprilianti
Anggota Komite Nominasi dan Remunerasi | Member of Nomination and Remuneration
Committee
Periode Jabatan | Period
1 Januari 2021-31 Desember 2023 | 1 January 2023-31 December 2023
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Jakarta, 10 April 1980
Date and Place of Birth
Usia 43 tahun
Age 43 years old
Domisili DKI Jakarta
Domicile
Pendidikan dan Sertifikasi • Sarjana (S1) Psikologi dari Fakultas Psikologi • Bachelor of Psychology from the Faculty of
Education and Certification Universitas Indonesia (2004). Psychology, University of Indonesia (2004).
• Magister Sains Manajemen Sumber Daya Manusia • Master of Science in Human Resource Management
dari Fakultas Psikologi Universitas Indonesia (2007). from the Faculty of Psychology, University of
• Gelar sertifikasi yang dimiliki adalah Certified Indonesia (2007).
Competency Developer dan Certified Behavior • Certified with Competency Developer and Certified
Analyst, Sertifikasi Certified Enterprise Risk Behavior Analyst, Certified Enterprise Risk
Governance (CERG), Sertifikasi Qualified Risk Governance (CERG) Certification, Qualified Risk
Governance Professional (QRGP). Governance Professional (QRGP) Certification.
Riwayat Pekerjaan Dosen Fakultas Ekonomi dan Bisnis Universitas Lecturer of the Faculty of Economics and Business,
Work Experience Indonesia (FEB UI) dengan kepakaran pada bidang University of Indonesia (FEB UI) specializing in Human
Manajemen Sumber Daya Manusia, Manajemen Stratejik, Resource Management, Strategic Management,
Struktur dan Proses Organisasi, Perilaku Organisasi serta Organizational Structure and Processes, Organizational
Corporate Governance (2010-sekarang). Behavior and Corporate Governance (2010-present).
Rangkap Jabatan Dosen di Fakultas Ekonomi dan Bisnis Universitas Lecturer at the Faculty of Economics and Business,
Concurrent Position Indonesia (FEB UI) dan aktif sebagai peneliti dan University of Indonesia (FEB UI) and researcher in
melakukan riset yang berkaitan dengan pengelolaan human resource management, change management
sumber daya manusia, manajemen perubahan dan and organizational development, strategic management,
pengembangan organisasi, manajemen stratejik, inovasi innovation and corporate governance (2010-present).
dan corporate governance (2010-sekarang).
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relation Komisaris, Direksi dan Pemegang Saham Utama/ Commissioners, Board of Directors and Majority/
Pengendali. Controlling Shareholders.
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Jusman Hutama
Anggota Komite Nominasi dan Remunerasi | Member of Nomination and Remuneration
Committee
Periode Jabatan | Period
1 Januari 2021-31 Desember 2023 | 1 January 2023-31 December 2023
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Jakarta, 12 Oktober 1977
Date and Place of Birth Jakarta, 12 October 1977
Usia 46 tahun
Age 46 years old
Domisili DKI Jakarta
Domicile
Pendidikan dan Pelatihan • Meraih gelar MBA dengan pendalaman Marketing • Master of Business Administration in Marketing
Education and Training dan Keuangan dari Judd Leighton Business School and Finance from the Judd Leighton Business
of Indiana University, Amerika Serikat (2008). School of Indiana University, USA (2008).
• Meraih gelar Bachelor of Business Administration • Bachelor of Business Administration with Honors in
with Honors dengan pendalaman International International Business from Edith Cowan University,
Business dari Edith Cowan University, Australia Australia, as part of the Dual-Degree program with
sebagai bagian dari Dual-Degree Program dengan Trisakti University (2001).
Universitas Trisakti (2001). • Bachelor of Economy majoring Accounting from
• Meraih gelar Sarjana Ekonomi jurusan Akuntansi Trisakti University (2001).
dari Universitas Trisakti (2001). • Qualified Certified Risk Officer (QCRO), Google
• Gelar sertifikasi yang dimiliki adalah Qualified Digital Academy certification, and Associate Life
Certified Risk Officer (QCRO), Google Digital Management Institution (ALMI) certification and
Academy, Associate, Life Management Institute Certified Professional in Organization Development
(ALMI) dan Certified Professional in Organization (CPOD).
Development (CPOD).
Riwayat Pekerjaan Memiliki pengalaman tentang seluruh spektrum Experienced in all spectrum of Human Resources
Work Experience pengelolaan Sumber Daya Manusia, Operasional, Management, Operations, and Affinity Business in
dan Affinity Business pada beberapa perusahaan several multinational companies of different types of
multinasional dengan jenis industri yang berbeda. industries.
Rangkap Jabatan Group Head Human Capital & Services, PT Asuransi Group Head Human Capital & Services, PT Asuransi
Concurrent Position Tugu Pratama Indonesia Tbk. Tugu Pratama Indonesia Tbk.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relation Komisaris, Direksi dan Pemegang Saham Utama/ Commissioners, Board of Directors and Majority/
Pengendali. Controlling Shareholders.
Independensi Komite Nominasi dan Remunerasi
Independence of Nomination and Remuneration Committee
Untuk menjaga independensinya, Komite Nominasi dan To uphold its independence, the Nomination and
Remunerasi diketuai oleh Komisaris Independen, yang tidak Remuneration Committee is chaired by an Independent
memiliki hubungan afiliasi dengan Dewan Komisaris, Direksi, Commissioner, who has no affiliation with the Board of
dan Pemegang Saham Pengendali Perseroan. Di samping Commissioners, Directors, and Controlling Shareholders
itu, anggota Komite Nominasi dan Remunerasi tidak memiliki of the Company. In addition, members of the Nomination
benturan kepentingan yang mempengaruhi kemandiriannya and Remuneration Committee do not have conflicts of
dalam menjalankan tugas, tidak memiliki hubungan darah interest that affect their independence in carrying out their
dengan sesama anggota Komite Nominasi dan Remunerasi, duties, and not a blood related with fellow members of
Direksi, dan Pemegang Saham hingga derajat ketiga, baik the Nomination and Remuneration Committee, Directors,
secara vertikal maupun horizontal atau melalui ikatan and Shareholders up to the third degree, either vertically
perkawinan, serta tidak memiliki hubungan keuangan dengan or horizontally or through marriage, and has no financial
semua pihak tersebut. relationship with any of these parties.
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Adapun tabel independensi Komite Nominasi dan The independence table of the Nomination and
Remunerasi Tugu Insurance berdasarkan POJK No. 34/2014 Remuneration Committee refers to POJK No. 34/2014 are
adalah sebagai berikut: as follows:
Tabel Hubungan Keluarga dan Hubungan Keuangan Komite Nominasi dan Remunerasi
Table of Familial Relationship and Financial Relationship of the Nomination and Remuneration Committee
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
Adi Zakaria Afiff 1)
Dian Masyita 2)
Zaäfri Ananto Husodo
Ayu Aprilianti
Jusman Hutama
1)
Tidak lagi menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
2)
Efektif menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak 28 April 2023.
1)
No longer serves as Chair of the Nomination and Remuneration Committee since the closing of the Annual GMS on 28 April 2023.
2)
Effectively serving as Chair of the Nomination and Remuneration Committee since 28 April 2023.
Tabel Independensi Komite Nominasi dan Remunerasi
Table of Independence of the Nomination and Remuneration Committee
Zaäfri
Aspek Independensi Adi Zakaria Dian Jusman
Ananto Ayu Aprilianti
Independence Aspect Afiff 1) Masyita 2) Hutama
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 ditutupnya RUPS Tahunan tanggal 28 April 2023.
2)
Efektif menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak 28 April 2023.
1)
No longer serves as Chair of the Nomination and Remuneration Committee since the closing of the Annual GMS on 28 April 2023.
2)
Effectively serving as Chair of the Nomination and Remuneration Committee since 28 April 2023.
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Tugas dan Tanggung Jawab Komite Nominasi dan Remunerasi
Duties and Responsibilities of the Nomination and Remuneration Committee
Tugas dan tanggung jawab Komite Nominasi dan Remunerasi The Nomination and Remuneration Committee has duties
dalam membantu melaksanakan fungsi dan tugas Dewan and responsibilities to assist the Board of Commissioners’
Komisaris terkait Nominasi dan Remunerasi adalah functions related to Nomination and Remuneration
sebagai berikut: as follows:
1. Terkait dengan fungsi nominasi, yaitu: 1. Related to the nomination function, namely:
a. Memberikan rekomendasi kepada Dewan a. Provide recommendations to the Board of
Komisaris mengenai: Commissioners regarding the following:
- Komposisi jabatan anggota Direksi dan/atau - Composition of the members of the Board
anggota Dewan Komisaris; of Directors and/or members of the Board
- Kebijakan dan kriteria yang dibutuhkan dalam of Commissioners;
proses nominasi; - Policies and criteria required in the
- Kebijakan evaluasi kinerja bagi anggota Direksi nomination process;
dan/atau anggota Dewan Komisaris. - Performance evaluation policies for the
b. Membantu Dewan Komisaris melakukan penilaian Board of Directors and/or the Board of
kinerja anggota Direksi dan/atau anggota Dewan Commissioners members.
Komisaris berdasarkan tolok ukur yang telah disusun b. Assist the Board of Commissioners in assessing the
sebagai bahan evaluasi; performance of members of the Board of Directors
c. Memberikan rekomendasi kepada Dewan Komisaris and/or members of the Board of Commissioners
mengenai program pengembangan kemampuan based on benchmarks that have been prepared as
anggota Direksi dan/atau anggota Dewan Komisaris; evaluation materials;
d. Memberikan usulan/rekomendasi calon yang c. Provide recommendations to the Board of
memenuhi syarat sebagai anggota Direksi dan/ Commissioners regarding capacity development
atau anggota Dewan Komisaris kepada Dewan programs for members of the Board of Directors and/
Komisaris untuk disampaikan kepada Rapat Umum or members of the Board of Commissioners;
Pemegang Saham; d. Provide proposals/recommendations for candidates
e. Memberikan rekomendasi calon yang memenuhi who meet the requirements as members of the
syarat sebagai Deputy Director dan Group Head Board of Directors and/or members of the Board of
kepada Dewan Komisaris untuk dibahas dan Commissioners to the Board of Commissioners to be
diputuskan dalam rapat Dewan Komisaris; submitted to the General Meeting of Shareholders;
f. Menyusun dan memberikan rekomendasi kepada e. Provide recommendations for candidates who meet
Dewan Komisaris mengenai sistem dan prosedur the requirements as Deputy Director and Group Head
pemilihan dan/atau penggantian anggota Dewan to the Board of Commissioners to be discussed and
Komisaris dan Direksi kepada Dewan Komisaris untuk decided in a meeting of the Board of Commissioners;
disampaikan kepada Rapat Umum Pemegang Saham; f. Prepare and provide recommendations to the Board
g. Memberikan rekomendasi kepada Dewan Komisaris of Commissioners regarding systems and procedures
mengenai pihak independen yang akan menjadi for selecting and/or replacing members of the
Anggota Komite. Board of Commissioners and Directors to the Board
2. Terkait dengan fungsi remunerasi, yaitu: of Commissioners to be submitted to the General
a. Melakukan evaluasi terhadap sistem/kebijakan Meeting of Shareholders;
remunerasi bagi Dewan Komisaris, Direksi, Deputy g. Provide recommendations to the Board of
Director, dan Group Head; Commissioners regarding independent parties who
b. Menyusun dan memberikan rekomendasi kepada will become Committee Members.
Dewan Komisaris mengenai kebijakan remunerasi 2. Related to the remuneration function, namely:
bagi Dewan Komisaris dan Direksi untuk disampaikan a. Evaluate the remuneration system/policy for the
kepada Rapat Umum Pemegang Saham; Board of Commissioners, Directors, Deputy Director
and Group Head;
b. Prepare and provide recommendations to the Board
of Commissioners regarding the remuneration policy
for the Board of Commissioners and the Board of
Directors to be submitted to the General Meeting
of Shareholders;
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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; submitted to the Board of Directors;
d. Membantu Dewan Komisaris melakukan penilaian d. Assist the Board of Commissioners in conducting
kinerja dengan kesesuaian remunerasi yang diterima performance appraisals in accordance with the
masing-masing anggota Direksi dan/atau anggota remuneration received by each member of the
Dewan Komisaris. Board of Directors and/or members of the Board
3. Melaksanakan tugas lainnya yang diberikan oleh of Commissioners.
Dewan Komisaris. 3. Deliver other duties assigned by the Board
of Commissioners.
Program Pengembangan Kompetensi Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee Competency Enhancement Program
Komite Nominasi dan Remunerasi telah mengikuti program The competency enhancement programs participated in by
peningkatan kompetensi sepanjang tahun 2023, antara lain: members of the Nomination and Remuneration Committee
throughout 2023 are as follows:
Nama Kegiatan/Program Tanggal/Tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
Dian Masyita Informasi peningkatan kompetensi/pelatihan Ibu Dian Masyita dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Dewan Komisaris pada bab tata kelola ini.
Information on competency enhancement/training of Ms. Dian Masyita can be found in the information on
competency enhancement/training for members of the Board of Commissioners in this governance chapter.
Zaäfri Ananto Husodo Webinar Risk Management Forum 16 Maret 2023/Virtual Zoom Forum Pertamina
Pertamina Across the Group 2023. 16 March 2023/Virtual Zoom
E-learning dan Ujian Qualified Risk 24-30 Juli 2023 & 2 Agustus 2023/ Lembaga Sertifikasi Profesi
Governance Professional (QRGP). Virtual Zoom Mitra Kalyana Sejahtera (LSP
E-learning and Qualified Risk 24-30 July 2023 & 2 August 2023/ MKS)
Governance Professional Exam Virtual Zoom Mitra Kalyana Sejahtera
(QRGP). Professional Certification
Institute (LSP MKS)
GAP Analysis IFRS S1 and S2. 19 Agustus 2023/Virtual Zoom Forum Akuntan Manajemen
19 August 2023/Virtual Zoom Management Accountant Forum
Optimizing Business Continuity 27 September 2023/Virtual Zoom Indonesia Risk Management
Strategy to Achieve Sustainable Professional Association
Objectives. (IRMAPA)
Sosialisasi POJK Anti Pencucian 12 Desember 2023/Virtual Zoom Tugu Institute
Uang, Pencegahan Pendanaan 12 December 2023/Virtual Zoom
Terorisme, dan Pencegahan
Pendanaan Proliferasi Senjata
Pemusnah Massal (APU, PPT, dan
PPPSPM).
Dissemination of POJK Anti-Money
Laundering, Prevention of Terrorism
Financing, and Prevention of
Funding for the Proliferation of
Weapons of Mass Destruction (APU,
PPT, and PPPSPM).
Ayu Aprilianti E-learning dan Ujian Qualified Risk 25-31 Juli 2023 & 1 Agustus 2023/ Lembaga Sertifikasi Profesi
Governance Professional (QRGP). Virtual Zoom Mitra Kalyana Sejahtera (LSP
E-learning and Qualified Risk 25-31 July 2023 & 1 August 2023/ MKS)
Governance Professional Exam Virtual Zoom Mitra Kalyana Sejahtera
(QRGP). Professional Certification
Institute (LSP MKS)
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Nama Kegiatan/Program Tanggal/Tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
Optimizing Business Continuity 27 September 2023/Virtual Zoom Indonesia Risk Management
Strategy to Achieve Sustainable Professional Association
Objectives (IRMAPA)
Sosialisasi POJK Anti Pencucian 12 Desember 2023/Virtual Zoom Tugu Institute
Uang, Pencegahan Pendanaan 12 December 2023/Virtual Zoom
Terorisme, dan Pencegahan
Pendanaan Proliferasi Senjata
Pemusnah Massal (APU, PPT, dan
PPPSPM).
Dissemination of POJK Anti-Money
Laundering, Prevention of Terrorism
Financing, and Prevention of
Funding for the Proliferation of
Weapons of Mass Destruction (APU,
PPT, and PPPSPM).
Jusman Hutama Objective Key Result Workshop Jakarta, 18 Januari 2023 Happy5
Jakarta, 18 January 2023
Certified Professional in Organization Jakarta, 28-29 Januari 2023 AIODP
Development (CPOD) Jakarta, 28-29 January 2023
tiLearn 040: COB Marine Hull & Jakarta, 7 Februari 2023 Tugu Institute dan Sales &
Marine Cargo Jakarta, 7 February 2023 Distribution Group
Tugu Institute and Sales &
Distribution Group
CIFO: Hybrid Working as A Trend of Jakarta, 1 Maret 2023 CIAS - Corporate Innovation
Work In The Post-Pandemic World Jakarta, 1 March 2023 Asia
Tantangan dan Peluang Profesi Jakarta, 3 Maret 2023 IRMAPA
Manajemen Risiko dalam Jakarta, 3 March 2023
Pencapaian Tujuan Keuangan
Berkelanjutan
Challenges and Opportunities for
the Risk Management Profession
in Achieving Sustainable Financial
Goals
Training Millenials & Gen Z: Tips & Jakarta, 3 Maret 2023 MSI Indonesia
Strategies Jakarta, 3 March 2023
Global Turmoil: The Unpredictable Jakarta, 15 Maret 2023 IRMAPA
Landscape Jakarta, 15 March 2023
People-Policy-Technology to Build Jakarta, 15 April 2023 CMA
Employee Experience
Risk Management Forum Pertamina Jakarta, 16 Maret 2023 Tugu Institute dan ERM & Legal
Group 2023 Jakarta, 16 March 2023 Group
Tugu Institute and ERM & Legal
Group
tiShare 007: Selling & Negotiation Jakarta, 29 Mei 2023 Tugu Institute dan Sales &
Skill Jakarta, 29 May 2023 Negotiation Skills
Tugu Institute and Sales &
Negotiation Skills
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Nama Kegiatan/Program Tanggal/Tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
tiShare 009: Sosialisasi Jakarta, 5 Juni 2023 Tugu Institute dan Human
Pengelolaan Talent dan Rencana Jakarta, 5 June 2023 Capital & Services
Suksesi Tugu Institute and Human
tiShare 009: Dissemination of Capital & Services
Talent Management and Succession
Planning
tiLearn 042: Implementasi SMAP Jakarta, 8 Juni 2023 Tugu Institute dan Compliance
Dalam Menunjang Kegiatan Jakarta, 8 June 2023 Tugu Institute and Compliance
Operasional Perusahaan.
tiLearn 042: Implementation
of SMAP to Support Company
Operational Activities.
Revolutioning HR Jakarta, 17 Juni 2023 MTI Talentstory
Jakarta, 17 June 2023
tiLearn 045: Basic Selling Skill Jakarta, 31 Juli 2023 Tugu Institute dan Sales &
Jakarta, 31 July 2023 Distribution Group
Tugu Institute and Sales &
Distribution Group
Rancangan Standar Kompetensi Yogyakarta, 3 Agustus 2023 OJK
Kerja Nasional Indonesia Yogyakarta, 3 August 2023
Draft of Indonesian National Work
Competency Standards
Coaching For Empowering Your Team Jakarta, 23 Agustus 2023 IKIGAI
Jakarta, 23 August 2023
Masa Depan Asuransi Syariah Jakarta, 30 Agustus 2023 KARIM
Pasca POJK No. 11 Tahun 2023 Jakarta, 30 August 2023
The Future of Sharia Insurance Post
POJK No. 11 of 2023
Konvensi Nasional Rancangan Jakarta, 20 September 2023 OJK
Standar Kompetensi Kerja Nasional
Indonesia (RSKKNI) Bidang
Perasuransian
National Convention on the
Draft Indonesian National Work
Competency Standards (RSKKNI) in
the Insurance Sector
tilearn 047: Right Service Jakarta, 23 Oktober 2023 Strategic Partnership Group
Experience for The Right Customer Jakarta, 23 October 2023
tilearn 052: Keynote Speech Jakarta, 16 November 2023 Legal & Compliance Group
Perlindungan Data Pribadi
tilearn 052: Keynote Speech on
Personal Data Protection
Risk Beyond International Jakarta, 7-8 Desember 2023 IRMAPA
Conference on ERM 2023 Jakarta, 7-8 December 2023
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 concerning
secara berkala paling kurang 1 (satu) kali dalam 4 (empat) the Nomination and Remuneration Committee of Issuers
bulan mengacu pada POJK No. 34/POJK.04/2014 tentang or Public Companies, the Nomination and Remuneration
Komite Nominasi dan Remunerasi Emiten atau Perusahaan Committee must hold a periodic meeting at least once in
Publik. Keputusan rapat Komite Nominasi dan Remunerasi four months. Nomination and Remuneration Committee
dilakukan berdasarkan musyawarah mufakat. Dalam meeting decisions are made based on deliberation to
hal keputusan berdasarkan musyawarah mufakat tidak reach a consensus. If a decision based on deliberation and
tercapai, pengambilan keputusan dilakukan berdasarkan consensus is not reached, the decision is made based on
suara terbanyak. the majority vote.
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Per 31 Desember 2023, Komite Nominasi dan Remunerasi As of 31 Desember 2023, the Nomination and Remuneration
telah melaksanakan 16 (enam belas) kali rapat termasuk Committee held 16 (sixteen) meetings, including joint
rapat gabungan antara Komite Nominasi dan Remunerasi meetings between the Nomination and Remuneration
dengan Komite Pemantau Risiko dan Komite Audit, dan Committee with the Risk Monitoring Committee and Audit
rapat dengan manajemen. Adapun rincian kehadiran anggota Committee, and meetings with management. The attendance
Komite Nominasi dan Remunerasi sebagai berikut: rate of the Nomination and Remuneration Committee
members are as follows:
Nama Jumlah Rapat Jumlah Kehadiran Tingkat Kehadiran (%)
Name Total Meeting Total Attendance Attendance Rate
Adi Zakaria Afiff 1) 4 4 100%
Dian Masyita 2) 12 11 92%
Zaäfri Ananto Husodo 16 13 81%
Ayu Aprilianti 16 15 94%
Jusman Hutama 16 12 75%
1)
Tidak lagi menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
2)
Efektif menjabat sebagai Ketua Komite Nominasi dan Remunerasi sejak 28 April 2023.
1)
No longer serves as Chair of the Nomination and Remuneration Committee since the closing of the Annual GMS on 28 April 2023.
2)
Effectively serving as Chair of the Nomination and Remuneration Committee since 28 April 2023.
Laporan Pelaksanaan Tugas Komite Nominasi dan Remunerasi
Report on Implementation of Nomination and Remuneration Committee Duties
Per 31 Desember 2023, Komite Nominasi dan Remunerasi The following is the report on the implementation of the
telah melaksanakan tugas antara lain: duties of the Nomination and Remuneration Committee as of
31 December 2023:
1. Komite Nominasi dan Remunerasi telah melakukan 1. The Nomination and Remuneration Committee has
evaluasi dan memberikan rekomendasi terkait pergantian conducted an evaluation and provided recommendations
Direksi dan Dewan Komisaris yang habis masa tugasnya regarding the replacement of the Board of Directors
pada masa RUPST 2023 sesuai dengan ketentuan and Board of Commissioners whose terms of office
yang berlaku; have expired at the 2023 AGMS in accordance with
2. Komite Nominasi dan Remunerasi telah melakukan applicable regulations;
evaluasi dan memberikan rekomendasi terkait 2. The Nomination and Remuneration Committee has
penyusunan Key Performance Indicator Perusahaan evaluated and provided recommendations regarding the
tahun 2023 sesuai dengan ketentuan yang berlaku serta preparation of the Company's Key Performance Indicators
rencana jangka panjang Perusahaan; for 2023 in accordance with applicable regulations and
3. Komite Nominasi dan Remunerasi telah melakukan the Company's long-term plans;
evaluasi dan memberikan rekomendasi terhadap Dewan 3. The Nomination and Remuneration Committee has
Komisaris terkait usulan tantiem dan penyesuaian evaluated and provided recommendations to the Board
remunerasi Direksi dan Dewan Komisaris pada of Commissioners regarding the proposed tantiem
tahun 2022; and adjustments to the remuneration of the Board of
4. Komite Nominasi dan Remunerasi telah melakukan Directors and Board of Commissioners in 2022;
tinjauan dan evaluasi terhadap kebijakan remunerasi 4. The Nomination and Remuneration Committee has
perusahaan untuk tingkat Group Head di tahun 2023 reviewed and evaluated the Company's remuneration
dan memberikan rekomendasi agar kebijakan tersebut policy for Group Head level in 2023 and provided
tetap kompetitif secara eksternal, selaras secara recommendations so that the policy remains externally
internal, memperhatikan aspek-aspek manajemen competitive, internally aligned, pays attention to
risiko perusahaan serta memenuhi semua ketentuan aspects of Company risk management and meets all
yang berlaku; applicable regulations;
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5. Komite Nominasi dan Remunerasi telah memberikan 5. The Nomination and Remuneration Committee has
rekomendasi calon yang memenuhi syarat sebagai SVP provided recommendations for candidates who meet the
dan Group Head kepada Dewan Komisaris sebagai requirements as SVP and Group Head to the Board of
bahan pertimbangan untuk diputuskan dalam rapat Commissioners for consideration to be decided at the
Dewan Komisaris; Board of Commissioners meeting;
6. Komite Nominasi dan Remunerasi telah melakukan 6. The Nomination and Remuneration Committee has
tinjauan terhadap sistem penilaian kinerja Direksi conducted a review of the applicable performance
dan Dewan Komisaris yang berlaku dan memberikan appraisal system of the Board of Directors and Board of
pandangan serta saran-saran terhadap sistem tersebut Commissioners and provided opinions and suggestions
dengan memperhatikan ketentuan yang berlaku, praktik on the system taking into account applicable regulations,
baik pada perusahaan-perusahaan terkemuka dan good practices in leading companies and compliance with
pemenuhan terhadap prinsip tata kelola yang baik; the principles of good governance;
7. Komite Nominasi dan Remunerasi telah memberikan 7. The Nomination and Remuneration Committee
rekomendasi mengenai program pengembangan has provided recommendations regarding the
kemampuan anggota Direksi dan/atau anggota capacity development program for members of the
Dewan Komisaris; Board of Directors and/or members of the Board
8. Komite Nominasi dan Remunerasi telah melakukan of Commissioners;
kegiatan monitoring dan evaluasi terhadap implementasi 8. The Nomination and Remuneration Committee has
sistem pengelolaan SDM secara umum dan integrasi carried out monitoring and evaluation activities on the
antara sistem tersebut dengan sistem-sistem lainnya; implementation of the HR management system in general
9. Komite Nominasi dan Remunerasi telah melakukan and integration between the system and other systems;
monitoring dan evaluasi terhadap program perencanaan 9. The Nomination and Remuneration Committee has
suksesi yang menjadi bagian tak terpisahkan dari sistem monitored and evaluated the succession planning
manajemen talenta yang dikembangkan oleh Perusahaan; program which is an integral part of the talent
10. Komite Nominasi dan Remunerasi telah melakukan management system developed by the Company;
tinjauan terhadap usulan perubahan struktur 10. The Nomination and Remuneration Committee has
organisasi dan menyampaikan hasilnya sebagai reviewed the proposed changes to the organizational
bahan pertimbangan untuk diputuskan dalam rapat structure and submitted the results as material
Dewan Komisaris. for consideration to be decided at the Board of
Commissioners meeting.
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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 Direksi, to assisting the Board of Commissioners in monitoring
menilai toleransi risiko yang dapat diambil oleh perusahaan, the implementation of risk management prepared by the
serta mengawasi kebijakan atas pengelolaan risiko, Board of Directors, as well as assessing the risk tolerance
khususnya usaha dan strategi yang dilakukan Direksi, that can be taken by the Company, and monitoring the
mencakup identifikasi, analisis, penilaian dan mitigasi risiko. risk management policies, specifically the business and
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 of
untuk mewujudkan sistem dan pelaksanaan pengawasan Commissioners to create a competent and independent
yang kompeten dan independen di Perseroan, Komite supervisory system and implementation in the Company,
Pemantau Risiko berpedoman pada Piagam sebagai Tata the Risk Monitoring Committee is guided by the Charter as
Kerja Komite Pemantau Risiko. Piagam Komite Pemantau the Working Procedure of the Risk Monitoring Committee.
Risiko merupakan salah satu dokumen Soft Structure Tata The Risk Monitoring Committee Charter is one of Tugu
Kelola Tugu Insurance dan disusun dengan mengacu pada Insurance's Soft Structure Governance documents and is
peraturan perundang-undangan yang terkait. prepared with reference to related laws and regulations.
Piagam Komite Pemantau Risiko mengatur tentang The Risk Monitoring Committee Charter regulates
pembentukan, organisasi dan masa kerja, tugas, tanggung the formation, organization and term of office, duties,
jawab dan wewenang, tata cara dan prosedur kerja serta responsibilities and authority, work procedures, as well as
mekanisme pelaporan Komite Pemantau Risiko. Piagam the reporting mechanism of the Risk Monitoring Committee.
Komite Pemantau Risiko pertama kali disahkan oleh Dewan The Risk Monitoring Committee Charter was first approved
Komisaris pada Desember 2012 dengan pemutakhiran by the Board of Commissioners in December 2012 with the
terakhir disahkan pada 4 Oktober tahun 2022. latest update being ratified on 4 October 2022.
Susunan, Dasar Pengangkatan, dan Masa Jabatan
Composition, Basis of Appointment, and Term of Office
Anggota Komite Pemantau Risiko terdiri dari sekurang- Composition of the Risk Monitoring Committee consists
kurangnya 3 (tiga) orang yang terdiri atas 1 (satu) orang of at least 3 (three) members, 1 (one) of which leads the
ketua merangkap sebagai anggota yang merupakan committee while concurrently serving as an Independent
Komisaris Independen, 1 (satu) orang anggota yang memiliki Commissioner, 1 (one) member with expertise in risk
keahlian di bidang manajemen risiko dan/atau aktuaria, management and/or actuarial, and 1 (one) member with
dan 1 (satu) orang anggota yang memiliki keahlian di bidang expertise in finance, economy, and/or insurance.
keuangan, ekonomi, dan/atau perasuransian.
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Susunan keanggotaan Komite Pemantau Risiko Tugu The following table presents the composition of the
Insurance per 31 Desember 2023 dapat dilihat Tugu Insurance Risk Monitoring Committee as of 31
sebagai berikut: December 2023:
Nama Jabatan Dasar Pengangkatan Periode Masa Jabatan
Name Position Basis of Appointment Period
Dian Masyita Ketua Surat Keputusan Dewan Komisaris 8 November 2022 s.d. 31 Desember
Chairman No. 10/SKK-ATPI/XI/2022 tanggal 8 2023.
November 2022 tentang Perubahan 8 November 2022 until 31 December
Susunan Anggota Komite Pemantau Risiko 2023.
Aria Farah Mita Anggota PT Asuransi Tugu Pratama Indonesia Tbk. 1 Januari 2021 s.d. 31 Desember 2023.
Member The Board of Commissioners Decision 1 January 2021 until 31 December 2023.
Letter No. 10/SKK-ATPI/XI/2022 dated
Igor Manindjo Anggota 8 November 2022 on the Changes in
Member the Composition of the Risk Monitoring
Committee of PT Asuransi Tugu Pratama
Indonesia Tbk.
Profil Komite Pemantau Risiko
Risk Monitoring Committee Profile
Nama Jabatan
No
Names Position
1 Dian Masyita Ketua Komite Pemantau Risiko Profil lengkap Ibu Dian Masyita dapat dilihat pada
Chairperson of Risk Monitoring Committee profile Dewan Komisaris pada Laporan Tahunan ini.
The profile of Ms. Dian Masyita can be found in the
Board of Commissioners profile in this Annual Report.
Aria Farah Mita
Anggota Komite Pemantau Risiko | Member of Risk Monitoring Committee
Periode Jabatan | Period
1 Januari 2021-31 Desember 2023 | 1 January 2021-31 Desember 2023
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Jakarta, 2 Maret 1978
Date and Place of Birth Jakarta, 2 March 1978
Usia 45 tahun
Age 45 years old
Domisili Depok, Jawa Barat
Domicile Depok, West Java
Pendidikan dan Pelatihan • Doktor (S3) Akuntansi (2015). • Doctoral in Accounting (2015).
Education and Training • Magister (S2) Sains Manajemen di Universitas • Masters in Management Science from the University
Indonesia (2009). of Indonesia (2009).
• Sarjana (S1) Ekonomi di Universitas Indonesia • Bachelor in Economics from the University of
(1999). Indonesia (1999).
• Gelar sertifikasi yang dimiliki adalah Certified Public • Certified with Certified Public Accountant (CPA),
Accountant (CPA), Chartered Accountant (CA), Chartered Accountant (CA), Certification in Audit
Certification in Audit Committee Practises (CACP), Committee Practices (CACP), Qualified Risk
Qualified Risk Governance Professional (QRGP), dan Governance Professional (QRGP), and CERG (Certified
CERG (Certified in Enterprise Risk Governance). in Enterprise Risk Governance).
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Riwayat Pekerjaan • Pengurus di organisasi profesi akuntan Institut • A member of the Indonesian Institute of Certified
Work Experience Akuntan Publik Indonesia (IAPI) dan Ikatan Akuntan Public Accountants (IAPI) and the Indonesian Institute
Indonesia (IAI) (2020-sekarang). of Accountants (IAI) (2020-present).
• Auditor di Ernst & Young (1999-2001) dan RSM • Served as an auditor at Ernst & Young (1999-2001)
Indonesia (2010-2011 dan 2016-2020). and at RSM Indonesia (2016-2020).
• Penulis artikel ilmiah, buku dan melakukan • Writer of scientific articles, books and conducts
riset di bidang standar akuntansi internasional, research in 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 Center for Accounting Development,
Indonesia (2010-sekarang). University of Indonesia (2010-present).
• Anggota Komite Audit di Bank Jabar Banten (2010- • A member of the Audit Committee at Bank Jabar
2011). Banten (2010-2011).
• Asisten Direktur Keuangan Universitas Indonesia • Assistant Director of Finance at the University of
(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 Staf pengajar tetap di Departemen Akuntansi She is currently serving as a permanent lecturer at the
Concurrent Position Fakultas Ekonomi dan Bisnis Universitas Indonesia Department of Accounting, Faculty of Economics and
(2001-sekarang). Business, University of Indonesia (2001-present).
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relation Komisaris, Direksi dan Pemegang Saham Utama/ Commissioners, Board of Directors, and Majority/
Pengendali. Controlling Shareholders.
Igor Manindjo
Anggota Komite Pemantau Risiko | Member of Risk Monitoring Committee
Periode Jabatan | Period
1 Januari 2021-31 Desember 2023 | 1 January 2021-31 Desember 2023
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Jakarta, 2 Januari 1962
Date and Place of Birth Jakarta, 2 January 1962
Usia 61 tahun
Age 61 years old
Domisili Jakarta Barat
Domicile West Jakarta
Pendidikan dan Pelatihan • Master of Commerce in Management Planning • Master of Commerce in Management Planning
Education and Training Control Systems di The University of Wollongong, New Control Systems, The University of Wollongong, New
South Wales, Australia (1995). South Wales, Australia (1995).
• Sekolah Tinggi Akuntansi Negara (1984). • Indonesian College of Accountancy (1984).
Riwayat Pekerjaan • Anggota Komite Audit di PT Taspen Property (2019- • Member of Audit Committee at PT Taspen Property
Work Experience 2021). (2019-2021).
• Komisaris Independen di PT Island Concepts • Independent Commissioner at PT Island Concepts
Indonesia Tbk (2014-2017). Indonesia Tbk (2014-2017).
• Jabatan terakhir sebagai Direktur Akademik di • Academic Director at the Internal Audit Education
Yayasan Pendidikan Internal Audit (2012-2018). Foundation (2012-2018).
• Anggota Komite Audit di Asabri (2010-2014). • Member of the Audit Committee at Asabri (2012-
• Anggota Komite Audit di PT Perhutani (2004-2008). 2018).
• Auditor Pemerintah di Badan Pengawasan Keuangan • Member of the Audit Committee at PT Perhutani
dan Pembangunan BPKP (1984-2003). (2004-2008).
• Government Auditor at the Financial and
Development Supervisory Agency BPKP (1984-2003).
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Rangkap Jabatan • Anggota Komite Audit di PT Jakarta Propertindo • Member of the Audit Committee at PT Jakarta
Concurrent Position (2020-sekarang). Propertindo (2020-present).
• Chief Executive Lembaga Sertifikasi Profesi – Praktik • Chief Executive of the Professional Certification
Audit Internal di Yayasan Pendidikan Internal Audit Institute – Internal Audit Practices at the Internal
(2018-sekarang). Audit Education Foundation (2018-present).
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relation Komisaris, Direksi dan Pemegang Saham Utama/ Commissioners, Board of Directors and Majority/
Pengendali. 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 Dian Masyita sebagai Presiden Komisaris/ Committee is chaired by Dian Masyita as a President
Komisaris Independen yang tidak memiliki hubungan afiliasi Commissioner/Independent Commissioner who has no
dengan Dewan Komisaris, Direksi, dan Pemegang Saham affiliation with the Company’s Board of Commissioners,
Utama/Pengendali Perseroan. Board of Directors, and Principal/Controlling Shareholders.
Seluruh anggota Komite Pemantau Risiko yang berasal All members of the Risk Monitoring Committee who come
dari pihak independen tidak memiliki hubungan keuangan, from independent parties have no financial, management,
kepengurusan, kepemilikan saham dan/atau hubungan share ownership and/or family relationship with the Board
keluarga dengan Dewan Komisaris, Direksi dan/atau of Commissioners, Board of Directors and/or Majority/
Pemegang Saham Utama/Pengendali atau hubungan dengan Controlling Shareholders or relationship with the Company,
Perseroan, yang dapat mempengaruhi kemampuannya which may affect their ability to act independently.
bertindak independen.
Tabel Hubungan Keluarga dan Hubungan Keuangan Komite Pemantau Risiko
Table of the Risk Monitoring Committee’s 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
Aria Farah Mita
Igor Manindjo
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Tabel Independensi Komite Pemantau Risiko
Independence of Risk Monitoring Committee Members
Aspek Independensi
Dian Masyita Aria Farah Mita Aria Farah Mita
Independence Aspect
Tidak memiliki hubungan keuangan dengan Dewan Komisaris, Direksi, dan/atau
sesama anggota Komite Pemantau Risiko.
Does not have a financial relationship with the Board of Commissioners, Board
of Directors, and/or fellow members of the Risk Monitoring Committee.
Tidak memiliki hubungan kepengurusan di Tugu Insurance dan perusahaan anak.
Does not have a management relationship with Tugu Insurance and its
subsidiaries.
Tidak memiliki hubungan kepemilikan saham di Tugu Insurance.
Does not have a share ownership relationship in Tugu Insurance.
Tidak memiliki hubungan keluarga dengan Dewan Komisaris, Direksi, dan/atau
sesama anggota Komite Pemantau Risiko.
Does not have a family relationship with the Board of Commissioners, Board of
Directors, and/or fellow members of the Risk Monitoring Committee.
Tidak menjabat sebagai pengurus partai politik, pejabat pemerintah daerah.
Does not serve as a political party administrator, local government official.
Tugas dan Tanggung Jawab Komite Pemantau Risiko
Risk Monitoring Committee Duties and Responsibilities
Komite Pemantau Risiko bertugas untuk membantu Dewan The Risk Monitoring Committee is tasked with assisting the
Komisaris dalam memantau pelaksanaan manajemen risiko Board of Commissioners in monitoring the implementation
yang disusun oleh Direksi serta menilai toleransi risiko yang of risk management prepared by the Board of Directors
dapat diambil oleh Perusahaan. Tugas dan tanggung jawab and assessing the risk tolerance that can be taken by the
Komite Pemantau Risiko Tugu Insurance antara lain meliputi: Company. The duties and responsibilities of Tugu Insurance
Risk Monitoring Committee include the following:
1. Pelaksanaan Bidang Pemantauan Risiko. 1. Implementation of Risk Monitoring.
a. Manajemen Risiko. a. Risk management.
- Mengawasi agar keberadaan kebijakan - Oversee that the existence of risk management
manajemen risiko yang disusun oleh Direksi, policies prepared by the Board of Directors,
termasuk toleransi yang diambil telah memadai including the tolerances taken are adequate and
dan sesuai dengan kebutuhan Perseroan; in accordance with the needs of the Company;
- Mengawasi pengelolaan risiko di Perseroan, - Oversee risk management in the Company,
khususnya usaha dan strategi yang dilakukan particularly the business and strategies
Direksi. Pengawasan tersebut mencakup proses undertaken by the Board of Directors. The
identifikasi, analisis, penilaian dan mitigasi risiko supervision includes the process of identifying,
agar dilaksanakan sesuai dengan kebijakan analyzing, assessing, and mitigating risks to be
yang berlaku; carried out in accordance with applicable policies;
- Mengawasi agar pelaporan risiko telah - Oversee that risk reports have been submitted
disampaikan kepada Komisaris sesuai dengan to the Commissioners in accordance with the
ketentuan dan kebutuhan Komisaris. provisions and needs of the Commissioners.
b. Hubungan dengan Komite lain dan Manajemen. b. Establish relations with other Committees and
- Berkoordinasi dengan komite lain dalam tugasnya the Management.
mengawasi dan mengevaluasi laporan keuangan; - Coordinate with other committees in their duties
- Mendapatkan akses informasi yang diperlukan to supervise and evaluate financial reports;
untuk melaksanakan tugasnya dari Manajemen; - Obtain access to information needed to carry out
- Berkoordinasi dengan Komite Audit dalam their duties from Management;
pengawasan manajemen risiko. - Coordinate with the Audit Committee in monitoring
2. Menjaga kerahasiaan dokumen, data, dan risk management.
informasi perusahaan. 2. Maintain the confidentiality of the Company’s documents,
3. Melaksanakan self-assessment pelaksanaan tugas data and information.
Komite Pemantau Risiko. 3. Carry out self-assessment of the implementation of the
Risk Monitoring Committee duties.
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Program Pengembangan Kompetensi Komite Pemantau Risiko
Risk Monitoring Committee Competency Enhancement Program
Komite Pemantau Risiko telah mengikuti program The competency enhancement programs participated by
peningkatan kompetensi sepanjang tahun 2023, antara lain: members of the Risk Monitoring Committee throughout 2023
are as follows:
Nama Kegiatan/Program Tanggal/Tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
Dian Masyita Informasi peningkatan kompetensi/pelatihan Ibu Dian Masyita dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Dewan Komisaris pada bab tata kelola ini.
Information on competency enhancement/training of Ms. Dian Masyita can be found in the information on
competency enhancement/training for members of the Board of Commissioners in this governance chapter.
Aria Farah Mita E-learning dan Ujian Qualified Risk 17-12 Agustus 2023/Virtual Zoom. Lembaga Sertifikasi Profesi
Governance Professional (QRGP). 17-12 August 2023/Virtual Zoom. Mitra Kalyana Sejahtera (LSP
E-learning and Qualified Risk MKS).
Governance Professional Exam Mitra Kalyana Sejahtera
(QRGP). Professional Certification
Institute (LSP MKS).
GAP Analysis IFRS S1 and S2. 19 Agustus 2023/Virtual Zoom. Forum Akuntan Manajemen.
19 August 2023/Virtual Zoom. Management Accountant
Forum.
Optimizing Business Continuity 27 September 2023/Virtual Zoom. Indonesia Risk Management
Strategy to Achieve Sustainable Professional Association
Objectives. (IRMAPA).
Sosialisasi POJK Anti Pencucian 12 Desember 2023/Virtual Zoom. Tugu Institute.
Uang, Pencegahan Pendanaan 12 December 2023/Virtual Zoom.
Terorisme, dan Pencegahan
Pendanaan Proliferasi Senjata
Pemusnah Massal (APU, PPT, dan
PPPSPM).
Dissemination of POJK Anti-Money
Laundering, Prevention of Terrorism
Financing, and Prevention of
Funding for the Proliferation of
Weapons of Mass Destruction (APU,
PPT, and PPPSPM).
Igor Manindjo Webinar Risk Management Forum 16 Maret 2023/Virtual Zoom. Forum Pertamina.
Pertamina Across the Group 2023. 16 March 2023/Virtual Zoom.
Peran Akuntansi Forensik Dalam 20 Mei 2023/Virtual Zoom. Institut Akuntan Manajemen
Audit Investigasi/Audit Forensik. 20 May 2023/Virtual Zoom. Indonesia (IAMI).
The Role of Forensic Accounting in Indonesian Institute of
Investigative Audits/Forensic Audits. Management Accountants
(IAMI).
GAP Analysis IFRS S1 and S2. 19 Agustus 2023/Virtual Zoom. Forum Akuntan Manajemen.
19 August 2023/Virtual Zoom. Management Accountant
Forum.
Optimizing Business Continuity 27 September 2023/Virtual Zoom. Indonesia Risk Management
Strategy to Achieve Sustainable Professional Association
Objectives. (IRMAPA).
Mengawal Keberlanjutan dan 19 Oktober 2023/Ballroom Puri Agung, Ikatan Komite Audit Indonesia
Pertumbuhan Perseroan melalui Hotel Sahid Jaya. (IKAI).
Pengawasan dan Pengendalian 19 October 2023/Ballroom Puri Agung, Indonesian Audit Committee
Risiko. Hotel Sahid Jaya. Association (IKAI).
Overseeing the Company's
Sustainability and Growth through
Supervision and Risk Control.
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Nama Kegiatan/Program Tanggal/Tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
Sosialisasi POJK Anti Pencucian 12 Desember 2023/Virtual Zoom. Tugu Institute.
Uang, Pencegahan Pendanaan 12 December 2023/Virtual Zoom.
Terorisme, dan Pencegahan
Pendanaan Proliferasi Senjata
Pemusnah Massal (APU, PPT, dan
PPPSPM).
Dissemination of POJK Anti-Money
Laundering, Prevention of Terrorism
Financing, and Prevention of
Funding for the Proliferation of
Weapons of Mass Destruction (APU,
PPT, and PPPSPM).
Rapat dan Tingkat Kehadiran Komite Pemantau Risiko
Risk Monitoring Committee Meeting and Attendance Rate
Sepanjang tahun 2023, Komite Pemantau Risiko telah Throughout 2023, the Risk Monitoring Committee held
melaksanakan 13 (tiga belas) kali rapat termasuk rapat 13 (thirteen) meetings, including joint meetings with the
gabungan antara Komite Pemantau Risiko dengan Komite Risk Monitoring Committee, the Audit Committee, and the
Nominasi dan Remunerasi dan Komite Audit, dan rapat Nomination and Remuneration Committee, and meetings
dengan manajemen, sebagian dari rapat-rapat ini dilakukan with management, some meetings are held online through
secara online melalui Microsoft Teams (MTeams). Microsoft Teams (MTeams).
Nama Jumlah Rapat Jumlah Kehadiran Tingkat Kehadiran (%)
Name Total Meeting Total Attendance Attendance Rate
Dian Masyita 13 13 100%
Aria Farah Mita 13 13 100%
Igor Manindjo 13 11 85%
Laporan Pelaksanaan Tugas Komite Pemantau Risiko Tahun 2023
Report on Implementation of Duties of Risk Monitoring Committee in 2023
Per 31 Desember 2023, Komite Pemantau Risiko telah As of 31 December 2023, the Risk Monitoring Committee
melaksanakan tugas seperti: has carried out its duties as follows:
1. Melakukan pengawasan atas pelaksanaan Enterprise 1. Supervise the implementation of Enterprise Risk
Risk Management (ERM) dengan pemantauan secara Management (ERM) by routinely and periodically
rutin dan berkala dengan divisi ERM, termasuk monitoring the ERM division, including supervising the
pengawasan terhadap fungsi manajemen risiko integrated risk management function with subsidiaries;
terintegrasi dengan anak perusahaan; 2. Supervise credit risk management of receivables, and
2. Melakukan pengawasan atas manajemen risiko kredit the risk of decline in the value of investments and
atas piutang, dan risiko penurunan nilai investasi dan investment properties;
properti investasi; 3. Supervise the Company's investment policies and
3. Melakukan pengawasan atas kebijakan dan pelaksanaan implementation, including policies regarding investment
investasi perusahaan, termasuk kebijakan tentang in subsidiaries;
investasi di anak perusahaan; 4. Carry out intensive supervision of risks in the Company's
4. Melakukan pengawasan yang intensif atas risiko-risiko business processes, especially aspects of IT support and
dalam proses bisnis perusahaan, terutama aspek retail business progress;
dukungan IT dan progres bisnis ritel; 5. Supervise the implementation of all aspects of the
5. Melakukan pengawasan atas pelaksanaan seluruh Company's compliance with regulations, such as
aspek kepatuhan Perseroan terhadap regulasi, seperti monitoring Integrated Governance, as well as compliance
pemantauan Tata Kelola Terintegrasi, serta kepatuhan with the submission of reports required by the regulator
atas penyampaian laporan-laporan yang disyaratkan oleh (OJK);
regulator (OJK);
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6. Melakukan pengawasan terkait kewajiban Perseroan 6. Supervise the Company's obligations in compiling a
dalam menyusun Laporan Keberlanjutan yang disyaratkan Sustainability Report as required by POJK No. 51/
oleh POJK No. 51/POJK.03/2017 tentang Penerapan POJK.03/2017 concerning the Implementation of
Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Sustainable Finance for Financial Services Institutions,
Emiten, dan Perusahaan Publik; Issuers and Public Companies;
7. Bersama dengan Komite Dewan Komisaris yang lain 7. Together with other Committees of the Board of
melakukan pengawasan terhadap kinerja Perseroan Commissioners, supervise the Company's performance
secara bulanan; on a monthly basis;
8. Bersama dengan Komite Dewan Komisaris yang 8. Together with other Board of Commissioners'
lain mengawasi proses penyusunan RKAP dan Committees, supervise the process of preparing the
RJPP Perseroan; Company's RKAP and RJPP;
9. Bersama dengan Komite Audit melakukan pengawasan 9. Together with the Audit Committee, supervise the
atas kesiapan perusahaan dalam menerapkan PSAK Company's readiness to implement PSAK 117 concerning
117 tentang Kontrak Asuransi yang berdampak signifikan Insurance Contracts which has a significant impact on
pada Perseroan dan secara luas ke industri asuransi; the Company and broadly to the insurance industry;
10. Melakukan pengembangan kapasitas Komite Pemantau 10. Develop the capacity of the Risk Monitoring Committee
Risiko melalui pelatihan, seminar, dan sharing session. through training, seminars and sharing sessions.
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4.D.
Sekretaris Dewan Komisaris
Secretary of The Board of Commissioners
Sekretaris Dewan Komisaris merupakan salah satu organ The Secretary of the Board of Commissioners is one of the
pendukung yang membantu dan memfasilitasi Dewan supporting organs that assists and facilitates the Board of
Komisaris dalam menjalankan tugas dan fungsi pengawasan Commissioners in carrying out their supervisory duties and
khususnya di bidang kesekretariatan dan penghubung Dewan functions, especially in the secretarial and liaising between
Komisaris dengan pihak lain, termasuk Direksi. the Board of 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 2023, Sekretaris Dewan Komisaris adalah The Secretary of the Board of Commissioners as of 31
Ulum Tri Handayani, yang diangkat berdasarkan Surat December 2023 is Ulum Tri Handayani, appointed based on
Keputusan Dewan Komisaris No. 09/SKK-ATPI/XII/2020 the Board of Commissioners’ Decision Letter No. 09/SKK-
tanggal 30 Desember 2020. ATPI/XII/2020 dated 30 December 2020.
Ulum Tri Handayani
Sekretaris Dewan Komisaris | Secretary of The Board of Commissioners
Periode Jabatan | Period
1 Januari 2021-31 Desember 2023 | 1 January 2021-31 Desember 2023
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Kediri, 28 Januari 1988
Date and Place of Birth Kediri, 28 January 1988
Usia 35 tahun
Age 35 years old
Domisili Jakarta Barat
Domicile West Jakarta
Riwayat Penunjukan Surat Keputusan Dewan Komisaris N0. 09/SKK-ATPI/ Board of Commissioners Decree N0. 09/SKK-ATPI/
Appointment History XII/2020 tanggal 30 Desember 2023. XII/2020 dated 30 December 2023.
Pendidikan dan Pelatihan • Master di bidang Ilmu Akuntansi dari Universitas • Master in Accounting from the University of
Education and Training Indonesia, lulus tahun 2015. Indonesia, graduated in 2015.
• Sarjana Ekonomi, Jurusan Akuntansi dari • Bachelor of Economics, majoring in Accounting
Universitas Brawijaya, lulus tahun 2011. from Brawijaya University, graduated in 2011.
Riwayat Pekerjaan Accounting Staff, PT Ground Risk Management (2012- Accounting Staff, PT Ground Risk Management (2012-
Work Experience 2013). 2013).
Rangkap Jabatan Tidak memiliki rangkap jabatan di Tugu Insurance Do not hold concurrent positions at Tugu Insurance or
Concurrent Position maupun perusahaan/lembaga lain. other companies/institutions.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relation Komisaris, Direksi dan Pemegang Saham Utama/ Commissioners, Board of Directors and Majority/
Pengendali. Controlling Shareholders.
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Tugas dan Tanggung Jawab Sekretaris Dewan Komisaris
Secretary of the Board of Commissioners’ Duties and Responsibilities
Sekretaris Dewan Komisaris membantu Dewan Komisaris di The Secretary of the Board of Commissioners assists the
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
2. Penyiapan undangan rapat dan penyiapan bahan rapat and Shareholders;
Dewan Komisaris; 2. Preparation of meeting invitations and materials for
3. Pendokumentasian surat; Board of Commissioners meetings;
4. Penyusunan notulen rapat; 3. Documentation of correspondences;
5. Pengumpulan data atau informasi yang relevan dengan 4. Preparation of minutes of meetings;
pelaksanaan tugas Dewan Komisaris. 5. Collection of the data or information relevant to
implementing the Board of Commissioners’ duties.
Program Pengembangan Kompetensi Sekretaris Dewan Komisaris
Secretary of the Board of Commissioners Competency Enhancement Program
Sekretaris Dewan Komisaris telah mengikuti program Throughout 2023, the Secretary of the Board of
peningkatan kompetensi sepanjang tahun 2023, antara lain: Commissioners participated in the following competence
enhancement programs:
Nama Kegiatan/Program Tanggal/tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
Ulum Tri Handayani Kick Off Meeting Tantangan dan 3 Maret 2023/Virtual Zoom. Indonesia Risk Management
Peluang Profesi Manajemen Risiko 3 March 2023/Virtual Zoom. Professional Association (IRMAPA).
dalam Pencapaian Tujuan Keuangan
Berkelanjutan.
Kick Off Meeting Challenges
and Opportunities for the Risk
Management Profession in Achieving
Sustainable Financial Goals.
Certifiaction in Audit Committee 19-21 September 2023/Ballroom Ikatan Komite Audit Indonesia (IKAI).
Practices. Pullman Hotel Thamrin CBD. Indonesian Audit Committee
Association (IKAI).
Mengawal Keberlanjutan dan 19 Oktober 2023/Ballroom Puri Ikatan Komite Audit Indonesia (IKAI).
Pertumbuhan Perseroan melalui Agung, Hotel Sahid Jaya. Indonesian Audit Committee
Pengawasan dan Pengendalian 19 October 2023/Ballroom Puri Association (IKAI).
Risiko. Agung, Hotel Sahid Jaya.
Overseeing the Company's
Sustainability and Growth through
Supervision and Risk Control.
Sosialisasi POJK Anti Pencucian 12 Desember 2023/Virtual Zoom. Tugu Institute.
Uang, Pencegahan Pendanaan 12 December 2023/Virtual Zoom.
Terorisme, dan Pencegahan
Pendanaan Proliferasi Senjata
Pemusnah Massal (APU, PPT, dan
PPPSPM).
Dissemination of POJK Anti-Money
Laundering, Prevention of Terrorism
Financing, and Prevention of Funding
for the Proliferation of Weapons of
Mass Destruction (APU, PPT, and
PPPSPM).
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Komite dan Fungsi di Bawah Direksi
5. Committees and Functions Under the Board of Directors
5.A.
Komite Investasi
Investment Committee
Sesuai ketentuan Peraturan OJK No. 73/POJK.05/2016 In accordance with OJK Regulation No. 73/POJK.05/2016
Tentang Tata Kelola Perusahaan yang Baik bagi Perusahaan Concerning Good Corporate Governance for Insurance
Perasuransian, Tugu Insurance sebagai perusahaan Companies, Tugu Insurance as an insurance company is
perasuransian wajib menyusun kebijakan dan strategi obliged to devise written investment policies and strategies.
investasi secara tertulis, dimana ketaatan terhadap The compliance with these investment policies and
kebijakan dan strategi investasi tersebut dievaluasi secara strategies is evaluated periodically, at least 1 (one) time
berkala, paling sedikit 1 (satu) kali dalam 1 (satu) tahun. a year. Therefore, the Board of Directors has formed an
Oleh karena itu, Direksi telah membentuk Komite Investasi Investment Committee to help the Board devise investment
untuk membantu Direksi dalam merumuskan kebijakan policies and monitor the implementation of investment
investasi dan memantau pelaksanaan kebijakan investasi policies in force.
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/POJK.05/2016 In accordance with the provisions in POJK No. 73/
tentang Tata Kelola Perusahaan yang Baik bagi Perusahaan POJK.05/2016 concerning Good Corporate Governance
Perasuransian, Komite Investasi paling sedikit terdiri atas: for Insurance Companies, the Investment Committee must
consists of at least:
1. Anggota Direksi yang membawahi fungsi pengelolaan 1. Member of the Board of Directors who oversees the
investasi; dan investment management function; and
2. Aktuaris perusahaan atau tenaga ahli perusahaan. 2. Company actuaries or company experts.
Komite Investasi dibentuk berdasarkan Surat Keputusan The Investment Committee was formed based on
Direksi No. 12/SKD/05/LEC-ATPI/VIII/2023 tanggal 6 Directors' Decree No. 12/SKD/05/LEC-ATPI/VIII/2023
September 2023 tentang Pembentukan Komite Investasi PT dated 6 September 2023 regarding the Establishment of
Asuransi Tugu Pratama Indonesia Tbk. Adapun komposisi the Investment Committee of PT Asuransi Tugu Pratama
keanggotaan Komite Investasi per 31 Desember 2023 Indonesia Tbk. The composition of the Investment
adalah sebagai berikut: Committee membership as of 31 December 2023 is
as follows:
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Posisi Nama Jabatan Periode Masa Jabatan
Position Name Title Period
Ketua Edi Yoga Prasetyo Direktur Kepatuhan & Manajemen Risiko Efektif sejak 6 September 2023.
Chairman Compliance & Risk Management Director Effective since 6 September 2023
Anggota Emil Hakim Direktur Keuangan & Layanan Korporat
Member Finance and Corporate Services Director
Sudarlin Direktur Teknik
Technical Director
Ismawati ERM & Policy Group Head
M. Ivan Faizal Aktuaris Perusahaan
Corporate Actuaries
Kristy Damayanti SVP Strategic Management & Corporate
Development
Profil Komite Investasi
Profile of Investment Committee Members
Nama Jabatan
No
Name Position
1 Edi Yoga Prasetyo Direktur Kepatuhan & Manajemen Risiko Untuk Profil Bapak Edi Yoga Prasetyo dapat dilihat
Compliance & Risk Management Director pada profile Direksi pada Laporan Tahunan ini.
The profile of Mr. Edi Yoga Prasetyo can be found in
the Directors' profile in this Annual Report.
2 Emil Hakim Direktur Keuangan dan Layanan Korporat Untuk Profil Bapak Emil Hakim dapat dilihat pada
Finance and Corporate Services Director profile Direksi pada Laporan Tahunan ini.
The profile of Mr. Emil Hakim can be found in the
Directors' profile in this Annual Report.
3 Sudarlin Direktur Teknik Untuk Profil Bapak Sudarlin dapat dilihat pada profile
Technical Director Direksi pada Laporan Tahunan ini.
The profile of Mr. Sudarlin can be found in the
Directors' profile in this Annual Report.
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Ismawati
Anggota Komite Investasi | Member of Investment Committee
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Jakarta, 15 April 1975
Birthdate/Place Jakarta, 15 April 1975
Usia 48 tahun
Age 48 years old
Domisili DKI Jakarta
Domicile
Pendidikan dan Pelatihan S1 Fakultas Hukum Universitas Indonesia.
Education and Training Bachelor Degree from Faculty of Law, University of Indonesia.
Riwayat Pekerjaan • PT Asuransi Tugu Pratama Indonesia Tbk, ERM & • PT Asuransi Tugu Pratama Indonesia Tbk, ERM &
Work Experience Policy Group Head (2018-sekarang). Policy Group Head (2018-present).
• PT Mandiri AXA General Insurance, Head of Legal & • PT Mandiri AXA General Insurance, Head of Legal &
Risk Management (2014-2018). Risk Management (2014-2018).
• PT Mandiri AXA General Insurance, Head of Legal, • PT Mandiri AXA General Insurance, Head of Legal,
Compliance & Risk Management (2011-2014). Compliance & Risk Management (2011-2014).
• PT Asuransi Samsung Tugu, Head of Legal & Risk • PT Asuransi Samsung Tugu, Head of Legal & Risk
Management (2001-2011). Management (2001-2011).
• PT AB Sinar Mas Multifinance, Head of Legal • PT AB Sinar Mas Multifinance, Head of Legal
(1999-2001). (1999-2001).
Rangkap Jabatan • ERM & Policy Group Head. • ERM & Policy Group Head.
Concurrent Position • Sekretaris Komite Manajemen Risiko. • Secretary of the Risk Management Committee.
• Anggota Komite Manajemen Risiko PT Tugu • Member of the Risk Management Committee of PT
Reasuransi Indonesia. Tugu Reasuransi Indonesia.
• Anggota Komite Pengarah Teknologi Informasi. • Member of the Information Technology Steering
Committee.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relation Komisaris, Direksi dan Pemegang Saham Utama/ Commissioners, Directors and Major/Controlling
Pengendali. Shareholders.
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M. Ivan Faizal
Anggota Komite Investasi | Member of Investment Committee
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Jakarta, 4 Juni 1980
Birthdate/Place Jakarta. 4 June 1980
Usia 43 Tahun
Age 43 years old
Domisili Bekasi
Domicile
Pendidikan dan Pelatihan • S1 Teknik Industri, Universitas Indonesia (2003). • Bachelor's Degree in Industrial Engineering,
Education and Training University of Indonesia (2003).
• S2 Manajemen Aktuaria, Universitas Indonesia • Master of Actuarial Management, University of
(2015). Indonesia (2015).
• Fellow of The Society of Actuaries of Indonesia • Fellow of The Society of Actuaries of Indonesia
(FSAI), Persatuan Aktuaris Indonesia (2020). (FSAI), Indonesian Actuary Association (2020).
• Certified Risk Management Professional (CRMP), • Certified Risk Management Professional (CRMP),
Lembaga Sertifikasi Manajemen Risiko (2015). Risk Management Certification Institute (2015).
• Ajun Ahli Indonesia Asuransi Kerugian (AAAIK) • Indonesian Insurance Expert Adjunct in the General
(2005). Insurance Sector (AAAIK) (2005).
Riwayat Pekerjaan • Appointed Actuary, PT Asuransi Tugu Pratama • Appointed Actuary, PT Asuransi Tugu Pratama
Work Experience Indonesia Tbk (2020-sekarang). Indonesia Tbk (2020-present).
• Senior Underwriter, PT Asuransi Tugu Pratama • Senior Underwriter, PT Asuransi Tugu Pratama
Indonesia Tbk (2019-2020). Indonesia Tbk (2019-2020).
• Underwriter, PT Asuransi Tugu Pratama Indonesia • Underwriter, PT Asuransi Tugu Pratama Indonesia
Tbk (2017-2019). Tbk (2017-2019).
• Portfolio Analyst PT Tugu Pratama Indonesia (2016- • Portfolio Analyst PT Tugu Pratama Indonesia (2016-
2017). 2017).
• Risk Analyst, PT Tugu Pratama Indonesia (2011- • Risk Analyst, PT Tugu Pratama Indonesia (2011-
2016). 2016).
• Senior Portfolio Underwriter, PT Tugu Pratama • Senior Portfolio Underwriter, PT Tugu Pratama
Indonesia (2007-2011). Indonesia (2007-2011).
• Junior Portfolio Underwriter, PT Tugu Pratama • Junior Portfolio Underwriter, PT Tugu Pratama
Indonesia (2005-2007). Indonesia (2005-2007).
• Management Trainee, PT Tugu Pratama Indonesia • Management Trainee, PT Tugu Pratama Indonesia
(2004-2005). (2004-2005).
• Lecturer Assistant, Universitas Indonesia (2002). • Lecturer Assistant, University of Indonesia (2002).
Rangkap Jabatan Tidak ada. None.
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relation Komisaris, Direksi dan Pemegang Saham Utama/ Commissioners, Directors and Major/Controlling
Pengendali. Shareholders.
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Kristy Damayanti
Anggota Komite Investasi | Member of Investment Committee
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Jakarta, 25 Desember 1978
Birthdate/Place Jakarta, 25 December 1978
Usia 45 Tahun
Age 45 years old
Domisili Jakarta Timur
Domicile East Jakarta
Pendidikan dan Pelatihan • Ahli Manajemen Risiko Asuransi (AMRP) (2022). • Insurance Risk Management Expert (AMRP)
Education and Training • Ahli Asuransi Kesehatan (AKK) (2013). (2022).
• Ahli Asuransi Kerugian (AAIK) (2009). • Health Insurance Expert (AKK) (2013).
• Master in Finance & Insurance, University of • General Insurance Expert (2009).
Florence Italy (2006). • Master in Finance & Insurance, University of
• Sarjana Pertanian, Institut Pertanian Bogor Florence Italy (2006).
(2003). • Bachelor of Agriculture, Bogor Agricultural
Institute (2003).
Riwayat Pekerjaan • Direktur PT Tugu Pratama Interindo • Director of PT Tugu Pratama Interindo
Work Experience (2023-sekarang). (2023-present).
• Senior Vice President (SVP) Strategic • Senior Vice President (SVP) of Strategic
Management & Corporate Development, Management & Corporate Development,
PT Asuransi Tugu Pratama Indonesia Tbk PT Asuransi Tugu Pratama Indonesia Tbk
(2023 -sekarang). (2023-present).
• Group Head Strategic Planning & Management • Group Head of Strategic Planning & Management
Accounting, PT Asuransi Tugu Pratama Indonesia Accounting, PT Asuransi Tugu Pratama Indonesia
Tbk (2016-2023). Tbk (2016-2023).
• Department Head Oganization & Procedure, • Department Head of Organization & Procedure,
PT Tugu Pratama Indonesia (2013-2016). PT Tugu Pratama Indonesia (2013-2016).
• Budget Performance Analyst, PT Tugu Pratama • Budget Performance Analyst, PT Tugu Pratama
Indonesia (2008-2013). Indonesia (2008-2013).
• Investment Officer, PT Tugu Pratama Indonesia • Investment Officer, PT Tugu Pratama Indonesia
(2007-2008). (2007-2008).
• Secretary of Board Commissioners, PT Tugu • Secretary of Board Commissioners, PT Tugu
Pratama Indonesia (Maret-Desember 2006). Pratama Indonesia (March-December 2006).
• Junior Researcher, Astrea Srl. Italy (Agustus- • Junior Researcher, Astrea Srl., Italy (August-
Desember 2005). December 2005).
• Office Manager, Indonesia–Japan Economic • Office Manager, Indonesia–Japan Economic
Cooperation Working Team (November Cooperation Working Team (November
2003-Desember 2004). 2003-December 2004).
• Assistant Researcher, Indonesia-Japan Economic • Assistant Researcher, Indonesia-Japan Economic
Cooperation Working Team Cooperation Working Team
(Januari-November 2003). (January-November 2003).
Rangkap Jabatan • SVP Strategic Management & Corporate • SVP of Strategic Management & Corporate
Concurrent Position Development. Development.
• Anggota Komite Manajemen Risiko. • Member of the Risk Management Committee.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Has no affiliation with members of the Board of
Affiliation Relation Dewan Komisaris, Direksi dan Pemegang Saham Commissioners, Directors and Major/Controlling
Utama/Pengendali. Shareholders.
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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 menjalankan fungsinya seluruh anggota Directors. In performing their functions, all members of the
Komite Investasi bersifat independen serta patuh dan wajib Investment Committee are independent and compliant and
memenuhi ketentuan hukum serta regulasi yang berlaku. have to comply to the applicable laws and regulations.
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 2023, antara lain: competencies in 2023 by participating in the following
competency enhancement programs:
Nama Kegiatan/Program Tanggal/tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
Edi Yoga Prasetyo Informasi peningkatan kompetensi/pelatihan Bapak Edi Yoga Prasetyo dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Information on competency enhancement/training of Mr. Edi Yoga Prasetyo can be found in the information
on increasing the competency enhancement/training of members of the Board of Directors in this governance
chapter.
Emil Hakim Informasi peningkatan kompetensi/pelatihan Bapak Edi Emil Hakim dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Information on competency enhancement/training of Mr. Emil Hakim can be found in the information on increasing
the competency enhancement/training of members of the Board of Directors in this governance chapter.
Sudarlin Informasi peningkatan kompetensi/pelatihan Bapak Sudarlin dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Information on competency enhancement/training of Mr. Sudarlin can be found in the information on increasing
the competency enhancement/training of members of the Board of Directors in this governance chapter.
Kristy Damayanti tiLearn 039: Treaty Expose 2023 16 Januari 2023 Tugu Institute x Reinsurance
16 January 2023 Group
People Management Development Jakarta, 30 Januari-1 Februari 2023 HR Excellency
Program Batch 3 Jakarta, 30 January-1 February 2023
tiLearn041; Basic Safety Training Jakarta, 24 Mei 2023 Tugu Institute X HSSE
2023 Jakarta, 24 May 2023
tiShare 009 : Sosialisasi Jakarta, 5 Juni 2023 Tugu Institute X Human Capital
Pengelolaan Talent dan Rencana Jakarta, 5 June 2023 & Services
Suksesi
tiShare 009: Dissemination of
Talent Management and Succession
Planning
tiLearn 042: Implementasi SMAP Jakarta, 8 Juni 2023 Tugu Institute X Compliance
Dalam Menunjang Kegiatan Jakarta, 8 June 2023
Operasional Perusahaan
tiLearn 042: Implementation
of SMAP to Support Company
Operational Activities
Coaching For Empowering Your Team Jakarta, 13 September 2023 IKIGAI
tilearn 047 : Right Service Jakarta, 23 Oktober 2023 Strategic Partnership Group
Experience for The Right Customer Jakarta, 23 October 2023
CONTRACT LEASE MANAGEMENT Jakarta, 14 November 2023 ERP Team
FINANCE & FUND MANAGEMENT Jakarta, 23 November 2023 ERP Team
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Nama Kegiatan/Program Tanggal/tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
tilearn 054 : APU, PPT & PPPSPM Jakarta, 12 Desember 2023 Legal & Compliance Group
di Sektor Jasa Keuangan Berbasis Jakarta, 12 December 2023
POJK No. 8 Tahun 2023"
tilearn 054 : AML, CFT &
Proliferation of WMD in the Financial
Services Sector Based on POJK No.
8 of 2023"
Ismawati Risk Management Forum Pertamina Jakarta, 16 Maret 2023 Tugu Institute X ERM & Legal
Group 2023 Jakarta, 16 March 2023 Group
tiLearn041; Basic Safety Training Jakarta, 24 Mei 2023 Tugu Institute X HSSE
2023 Jakarta, 24 May 2023
tiShare 008 : Sosialisasi Jakarta, 29 Mei 2023 Tugu Institute X Human Capital
Pengelolaan Talent dan Rencana Jakarta, 29 May 2023 & Services
Suksesi
tiShare 008: Dissemination of
Talent Management and Succession
Planning
tiLearn 042: Implementasi SMAP Jakarta, 8 Juni 2023 Tugu Institute X Compliance
Dalam Menunjang Kegiatan Jakarta, 8 June 2023
Operasional Perusahaan
tiLearn 042: Implementation
of SMAP to Support Company
Operational Activities
tiLearn 046 : Perlindungan Data Jakarta, 2 Agustus 2023 Tugu Institute X Legal &
Pribadi di Industri Jasa Keuangan Jakarta, 2 August 2023 Compliance
Setelah Disahkannya UU PDP
tiLearn 046: Protection of Personal
Data in the Financial Services
Industry After the Passing of the
PDP Law
Coaching For Empowering Your Team Jakarta, 13 September 2023 IKIGAI
tilearn 047 : Right Service Jakarta, 23 Oktober 2023 Strategic Partnership Group
Experience for The Right Customer Jakarta, 23 October 2023
tilearn 053 : Perlindungan Data Jakarta, 21 November 2023 Legal & Compliance Group
Pribadi / UU PDP
tilearn 053 : Personal Data
Protection / PDP Law
Risk Beyond International Bali, 7-8 Desember 2023 IRMAPA
Conference on ERM 2023 Bali, 7-8 December 2023
tilearn 054 : APU, PPT & PPPSPM Jakarta, 12 Desember 2023 Legal & Compliance Group
di Sektor Jasa Keuangan Berbasis Jakarta, 12 December 2023
POJK No. 8 Tahun 2023"
tilearn 054 : AML, CFT &
Proliferation of WMD in the Financial
Services Sector Based on POJK No.
8 of 2023"
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Nama Kegiatan/Program Tanggal/tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
M. Ivan Faizal People Management Development Jakarta, 30 Januari-1 Februari 2023 HR Excellency
Program Batch 3 Jakarta, 30 January-1 February 2023
tiLearn041; Basic Safety Training Jakarta, 24 Mei 2023 Tugu Institute X HSSE
2023 Jakarta, 24 May 2023
tiShare 008 : Sosialisasi Jakarta, 29 Mei 2023 Tugu Institute X Human Capital
Pengelolaan Talent dan Rencana Jakarta, 29 May 2023 & Services
Suksesi
tiShare 008: Dissemination of
Talent Management and Succession
Planning
tiLearn 042: Implementasi SMAP Jakarta, 8 Juni 2023 Tugu Institute X Compliance
Dalam Menunjang Kegiatan Jakarta, 8 June 2023
Operasional Perusahaan
tiLearn 042: Implementation
of SMAP to Support Company
Operational Activities
Actuaries in Challenging Economics Jakarta, 20-23 Juni 2023 The Asia – Pacific – PAI - SOA
Jakarta, 20-23 June 2023
Coaching For Empowering Your Team Jakarta, 23 Agustus 2023 IKIGAI
Jakarta, 23 August 2023
Indonesian Actuaries Congress Magelang, 20-25 November 2023 PAI
2023 Shaping Future Actuaries
AAUI Training Series – Study Biaya Jakarta, 16 Desember 2023 AAUI
Secara Aktuarial (Expense Study) Jakarta, 16 December 2023
AAUI Training Series – Actuarial
Expense Study
Tugas dan Tanggung Jawab
Duties and Responsibilities
Komite Investasi Tugu Insurance mengemban tugas, Tugu Insurance’s Investment Committee has the following
tanggung jawab, dan memiliki wewenang sebagai berikut: duties, responsibilities, and authorities:
1. Menetapkan sasaran investasi dan tingkat risiko yang 1. Set investment targets and reasonable levels of risk;
dapat diterima atau ditanggung; 2. Determine investment limits, investment policies in
2. Menetapkan batasan investasi, kebijakan investasi accordance with the Government’s regulations and
sesuai dengan aturan, ketentuan Pemerintah dan prevailing legislation;
Undang-Undang yang berlaku; 3. Working together with the Investment & Financial
3. Bersama-sama dengan Investment & Treasury Risk Management Group Head to set the investment
Management Group Head menetapkan kebijakan alokasi portfolio allocation policy which is expected to meet the
portofolio investasi yang diperkirakan akan dapat predetermined investment return target;
memenuhi target hasil investasi yang telah ditetapkan; 4. Set the requirements/qualifications that must be met
4. Menetapkan syarat-syarat/kualifikasi yang harus dipenuhi in selecting investment experts/managers from outside
dalam memilih tenaga ahli/manajer investasi dari the Company;
luar Perusahaan; 5. Establish the institution for the deposit of assets
5. Menetapkan lnstitusi tempat penitipan harta (kustodian); (custodian);
6. Mengawasi kegiatan Investment & Treasury Management 6. Oversee activities of the Investment & Financial Risk
Group Head maupun kegiatan Manajer lnvestasi yang Management Group Head as well as activities of the
berasal dari luar Perusahaan; Investment Manager from outside the Company;
7. Mengembangkan, mengkaji, dan menetapkan kebijakan 7. Develop, review, and set an annual policy and strategy for
dan strategi tahunan pengelolaan Asset Liability Asset Liability Management (ALMA);
Management (ALMA);
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8. Melakukan review secara periodik posisi likuiditas dalam 8. Periodically review the liquidity position in the form of
bentuk aset likuid; liquid assets;
9. Menetapkan rambu-rambu/batas dan petunjuk 9. Determine boundaries and guidelines for management
pengelolaan serta pengendalian risiko yang and control of risks that have an impact on:
berdampak pada: • Liquidity Risk (Liquidity Management);
• Risiko Likuiditas (Liquidity Management); • Market Risk such as Interest Rate Risk (Interest Rate
• Risiko Pasar seperti Risiko Suku Bunga (Interest Rate Management);
Management); • Exchange Rate Risk (Currency Management).
• Risiko Nilai Tukar (Currency Management). 10. Submit information to the Board of Directors regarding
10. Menyampaikan informasi kepada Direksi mengenai any developments in the relevant rules and regulations
setiap perkembangan ketentuan dan peraturan terkait that affect ALMA’s strategy and policies.
yang mempengaruhi strategi dan kebijakan ALMA.
Piagam Komite Investasi
Investment Committee Charter
Dalam menjalankan tugas dan tanggung jawabnya, Komite In performing its duties and responsibilities, the Investment
Investasi telah memiliki pedoman kerja sebagaimana Committee has a working guideline as stated in the
tertuang dalam Piagam Komite Investasi PT Asuransi Tugu Investment Committee Charter of PT Asuransi Tugu Pratama
Pratama Indonesia Tbk. Indonesia Tbk.
Kebijakan dan Pelaksanaan Rapat
Meeting Policy and Implementation Policy
Komite Investasi wajib melakukan rapat berkala dengan The Committee must hold regular meetings under the
ketentuan sebagai berikut: following conditions:
1. Komite wajib melakukan rapat Komite paling sedikit 3 1. The Committee must hold a Committee meeting at least
(tiga) bulan sekali; once every 3 (three) months;
2. Rapat Komite dipimpin oleh Ketua Komite. Dalam hal 2. Committee 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 salah satu Anggota Komite untuk attend, the Committee Chairman will appoint one of the
bertugas sebagai pimpinan rapat; Committee Members to serve as the meeting chairman;
3. Pembahasan dalam Komite dapat berupa rapat ataupun 3. Discussions in the Committee can be in the form of
penandatanganan sirkuler; meetings or circular signings;
4. Rapat dianggap sah dan berwenang mengambil 4. Meetings are considered valid and authorized to make
keputusan yang mengikat apabila telah memenuhi binding decisions if they have fulfilled the quorum of
kuorum kehadiran anggota; members’ attendance;
5. Rapat akan memenuhi kuorum apabila dihadiri oleh 2/3 5. The meeting will fulfill a quorum if attended by 2/3 (two
(dua per tiga) Anggota Komite. Keputusan rapat akan sah thirds) of the Committee Members. The decision of the
apabila disetujui oleh 2/3 (dua per tiga) Anggota Komite meeting will be valid if it is approved by 2/3 (two thirds)
yang hadir; of the Committee Members attending;
6. Keputusan dapat diambil dengan suara bulat dari 6. Decisions can be taken by unanimous vote of the
Anggota Komite yang hadir atau berdasarkan suara Committee Members present or based on a 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 the number of votes that agree is equal to
jumlah suara yang tidak setuju, maka keputusan Rapat the number of votes that disagree, the decision of the
diserahkan kepada pimpinan Rapat; Meeting shall be submitted to the Meeting chairman;
8. Dalam pelaksanaan rapat Komite, selain dihadiri oleh 8. In the implementation of the Committee meeting, in
Anggota Komite, Rapat dapat mengundang pihak-pihak addition to being attended by Committee Members, the
(invitee) yang dianggap terkait sesuai dengan agenda Meeting may invite parties (invitees) deemed related
yang dibahas; according to the agenda discussed;
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9. Setiap perbedaan pendapat (dissenting opinion) dalam 9. Any dissenting opinion in the meeting must be clearly
rapat harus secara jelas dinyatakan dalam Risalah Rapat stated in the Minutes of the Meeting along with
beserta alasannya; the reasons;
10. Anggota Komite yang hadir maupun yang tidak hadir 10. Committee members who are present or not present at
dalam rapat Komite berhak menerima salinan risalah the Committee meeting are entitled to receive a copy of
rapat Komite. the minutes of the Committee meeting.
Selama tahun 2023, Komite Investasi telah In 2023, the Investment Committee has held 3 (three)
menyelenggarakan 3 (tiga) kali rapat dengan rincian meetings with attendance details as follows:
kehadiran sebagai berikut:
Nama Jumlah Rapat Jumlah Kehadiran Tingkat Kehadiran (%)
Name Total Meeting Total Attendance Attendance Rate
Edi Yoga Prasetyo 1) 2 2 100%
Emil Hakim 3 3 100%
Sudarlin 3 3 100%
Ismawati 3 3 100%
M. Ivan Faizal 3 2 67%
Kristy Damayanti 3 3 100%
Budi P. Amir 2) 1 1 100%
1)
Efektif menjabat sebagai Ketua Komite Investasi sejak 28 April 2023.
2)
Tidak lagi menjabat sebagai Ketua Komite Investasi sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
1)
Effective as Chairman of the Investment Committee since 28 April 2023.
2)
No longer served as Chairman of the Investment Committee since the closing of the Annual GMS on 28 April 2023.
Laporan Pelaksanaan Tugas Komite Investasi
Investment Committee Duties Implementation Report
Berikut laporan pelaksanaan tugas Komite Investasi di The following is a report on the implementation of the
tahun 2023: Investment Committee's duties in 2023:
1. Melakukan 3 (tiga) kali rapat Komite Investasi; 1. Conducted 3 (three) Investment Committee meetings;
2. Melakukan review dan menetapkan sasaran investasi 2. Reviewed and determined investment targets and risk
dan tingkat risiko yang dapat diterima atau ditanggung levels that can be accepted or borne for the 2024 RKAP;
untuk RKAP 2024; 3. Reviewed and determined investment limits, investment
3. Melakukan review dan menetapkan batasan investasi, policies in accordance with applicable regulations,
kebijakan investasi sesuai dengan aturan, Ketentuan Government Regulations and Laws, as well as Investment
Pemerintah dan Undang-Undang yang berlaku serta Policy and Strategy Guidelines No. A-001/3400/2023;
Pedoman Kebijakan dan Strategi Investasi No. 4. Worked together with the Investment Group Head to
A-001/3400/2023; determine the investment portfolio allocation policy which
4. Bersama-sama dengan Investment Group Head is estimated to be able to meet the investment return
menetapkan kebijakan alokasi portofolio investasi yang targets set for 2024;
diperkirakan akan dapat memenuhi target hasil investasi 5. Received and reviewed periodic reports received from the
yang telah ditetapkan untuk tahun 2024; Investment Group relating to:
5. Menerima dan melakukan review terhadap laporan a. Monthly Investment Performance;
berkala yang diterima dari Investment Group b. Asset Liability Management Report (ALMA);
berkaitan dengan: c. Bank and Money Market Instrument
a. Kinerja Investasi bulanan; Monitoring Report;
b. Laporan Asset Liability Management (ALMA); d. Investment Portfolio Placement Limit
c. Laporan Monitoring Bank dan Instrument Pasar Uang; Monitoring Report.
d. Laporan Monitoring Limit Penempatan
Portfolio Investasi.
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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 dalam Committee to support the Board of Directors in monitoring
rangka memantau implementasi Manajemen Risiko dan the implementation of Risk Management and anticipate
mengantisipasi potensi Risiko yang mungkin terjadi seiring potential risks that may occur in line with Tugu Insurance’s
dengan pertumbuhan bisnis Tugu Insurance, memantau business growth, monitor the development of risk exposure,
perkembangan eksposur risiko, meninjau pelaksanaan serta review the ongoing implementation and update of policies,
pengkinian kebijakan, proses dan prosedur Manajemen processes, and procedures of Risk Management.
Risiko yang berkelanjutan.
Dasar Hukum atas terbentuknya Komite Manajemen Risiko, Legal basis:
antara lain:
1. Undang-undang No. 40 Tahun 2007 tentang Perseroan 1. Law No. 40 of 2007 on Limited Liability Companies as
Terbatas sebagaimana diubah sebagian oleh Undang- partly amended by Law No. 11 of 2020 on Job Creation;
undang No. 11 Tahun 2020 tentang Cipta Karya; 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 Company, and Sharia
Reasuransi Syariah; Reinsurance Company;
4. Term of Reference Komite Manajemen Risiko PT Asuransi 4. Terms of Reference of Risk Management Committee of
Tugu Pratama Indonesia Tbk. 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 Tugu Insurance Risk Management Committee comprises the
Insurance terdiri dari mayoritas anggota Direksi, yang salah majority of the Board of Directors members, one of whom
satunya merupakan anggota Direksi yang membawahi is a member of the Board of Directors in charge of the Risk
fungsi Manajemen Risiko dan beberapa Pejabat Eksekutif Management function and several Executive Officers of the
Perusahaan (satu tingkat di bawah Direksi) yang Company (one level below the Board of Directors) related
berhubungan dengan pengelolaan risiko serta pengendalian to the Company’s risk management and internal control.
internal Perusahaan. Anggota komite terdiri dari Anggota Committee members consist of Permanent Members with
Tetap dengan hak suara dan Anggota Tidak Tetap tanpa hak voting rights and Non-Permanent Members without voting
suara dalam pengambilan keputusan. rights in decision making.
Komite Manajemen Risiko dibentuk berdasarkan Surat The Risk Management Committee was formed based on the
Keputusan Direksi No. 24/SKD/05/ERL-ATPI/XII/2022 Decree of the Board of Directors No. 24/SKD/05/ERL-ATPI/
tanggal 5 Desember 2022 tentang Perubahan Pembentukan XII/2022 dated 5 December 2022 concerning Changes in
Komite Manajemen Risiko PT Asuransi Tugu Pratama the Formation of the Risk Management Committee of PT
Indonesia Tbk. Adapun komposisi keanggotaan Komite Asuransi Tugu Pratama Indonesia Tbk. The composition of
Manajemen Risiko per 31 Desember 2023, antara lain: the Risk Management Committee membership as of 31
December 2023 is as follows:
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Posisi Nama Jabatan Masa jabatan
Position Name Title Term of Office
Ketua/Anggota Tetap Edi Yoga Prasetyo Direktur Kepatuhan & Manajemen Risiko
Chairperson/Full-time Compliance & Risk Management Director
Member
Wakil Ketua/Anggota Emil Hakim Direktur Keuangan dan Layanan Korporat
Tetap Finance and Corporate Services Director
Deputy Chairperson/Full-
time Member
Sekretaris/Anggota Ismawati ERM & Policy Group Head ERM
Tetap
Secretary/Full-time 3 (tiga) tahun dan dapat diangkat kembali
Member dengan tidak mengurangi hak Direksi untuk
mengubah susunan Komite Manajemen Risiko
Anggota Tetap Sudarlin Direktur Teknik
sewaktu-waktu.
Full-time Member Technical Director
3 (three) years, and can be reappointed
without any prejudice to the Board of Directors
Ery Widiatmoko Direktur Pemasaran Asuransi
authority to change the Risk Management
Insurance Marketing Director
Committee composition at any time
Edwar Pjs. Investment & Treasury Management Group
Head
Acting Investment & Treasury Management
Group Head
Kristy Damayanti SVP Strategic Management & Corporate
Development
Resti Setia Utari Internal Audit Group Head
Anggota Tidak Tetap Pejabat yang terkait dengan topik yang dibahas dan/atau direkomendasikan dalam Komite Manajemen Risiko, kecuali
Non-Permanent Member pengusul untuk transaksi atau hal-hal yang menyimpang dari prosedur normal.
The officers who are related to the topic discussed and/or recommended in the Risk Management Committee, except
the proposer of the transactions or things deviating from normal procedures.
Profil Komite Manajemen Risiko
Risk Management Committee Members Profile
Nama Jabatan
No
Names Position
1 Edi Yoga Prasetyo Direktur Kepatuhan & Manajemen Risiko Untuk Profil Bapak Edi Yoga Prasetyo dapat dilihat pada
Compliance & Risk Management Director profile Direksi pada Laporan Tahunan ini
The profile of Mr. Edi Yoga Prasetyo can be found in the
Directors' profile in this Annual Report.
2 Emil Hakim Direktur Keuangan dan Layanan Korporat Untuk Profil Bapak Emil Hakim dapat dilihat pada profile
Finance and Corporate Services Director Direksi pada Laporan Tahunan ini
The profile of Mr. Emil Hakim can be found in the Directors'
profile in this Annual Report.
3 Sudarlin Direktur Teknik Untuk Profil Bapak Sudarlin dapat dilihat pada profile Direksi
Technical Director pada Laporan Tahunan ini
The profile of Mr. Sudarlin can be found in the Directors'
profile in this Annual Report.
4 Ery Widiatmoko Direktur Pemasaran Asuransi Untuk Profil Bapak Ery Widiatmoko dapat dilihat pada profile
Insurance Marketing Director Direksi pada Laporan Tahunan ini
The profile of Mr. Ery Widiatmoko can be found in the
Directors' profile in this Annual Report.
5 Ismawati ERM & Policy Group Head Untuk Profil Ibu Ismawati dapat dilihat pada profile Anggota
Komite Investasi pada Laporan Tahunan ini
The profile of Ms. Ismawati can be found in the profile of the
Investment Committee Members in this Annual Report
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Nama Jabatan
No
Names Position
6 Kristy Damayanti SVP Strategic Management & Corporate Untuk Profil Ibu Kristy Damayanti dapat dilihat pada profile
Development Anggota Komite Investasi pada Laporan Tahunan ini
The profile of Ms. Kristy Damayanti can be found in the
profile of the Investment Committee Members in this Annual
Report
7 Resti Setia Utari Internal Audit Group Head Untuk profil Ibu Resti Setia Utari dapat dilihat pada profile
Internal Audit Group Head
The profile of Ms. Resti Setia Utari can be found in the
profile of the Internal Audit Group Head
Edwar
Anggota Manajemen Risiko | Member of Risk Management Committee
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Curup, 26 Desember 1979
Birthdate/Place Curup, 26 December 1979
Usia 44 Tahun
Age 44 years old
Domisili Depok
Domicile
Pendidikan dan Pelatihan • Sarjana Ekonomi, Fakultas Ekonomi, Jurusan • Bachelor of Economics, Faculty of Economics,
Education and Training Ekonomi Studi Pembangunan, Universitas Department of Economic Development Studies,
Padjadjaran, (2003). Padjadjaran University, (2003).
• Ajun Ahli Asuransi Kerugian (AAAIK), (2006). • Indonesian Insurance Expert Adjunct in the General
• Certified Financial Analyst (CFA) charter holder, CFA Insurance Sector (AAAIK), (2006).
Institute. • Certified Financial Analyst (CFA) charter holder, CFA
Institute.
Riwayat Pekerjaan • Plt. Investment & Treasury Group Head, PT Asuransi • Acting Investment & Treasury Group Head,
Work Experience Tugu Pratama Indonesia Tbk (2023-sekarang). PT Asuransi Tugu Pratama Indonesia Tbk
• Capital Market Dept Head, PT Asuransi Tugu (2023-present).
Pratama Indonesia Tbk (2016-2023). • Capital Market Dept Head, PT Asuransi Tugu
• Capital Market Officer, PT Asuransi Tugu Pratama Pratama Indonesia Tbk (2016-2023).
Indonesia Tbk (2011-2016). • Capital Market Officer, PT Asuransi Tugu Pratama
• Insurance Accounting Staff, PT Asuransi Tugu Indonesia Tbk (2011-2016).
Pratama Indonesia Tbk (2004-2011). • Insurance Accounting Staff, PT Asuransi Tugu
• Pratama Indonesia Tbk (2004-2011).
Rangkap Jabatan Plt. Investment & Treasury Group Head Acting Investment & Treasury Group Head
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relation Komisaris, Direksi dan Pemegang Saham Utama/ Commissioners, Directors and Major/Controlling
Pengendali. Shareholders.
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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 laws
ketentuan hukum serta regulasi yang berlaku terkait dengan and regulations related to the establishment of the Risk
pembentukan Komite Manajemen Risiko perusahaan Management Committee of insurance companies. The
asuransi. Komite Manajemen Risiko memiliki pedoman Risk Management Committee has guidelines in conducting
dalam melaksanakan tugasnya yang dituangkan dalam Term their duties, as outlined in the Terms of Reference of the
of Reference (ToR) Komite Manajemen Risiko PT Asuransi Risk Management Committee of PT Asuransi Tugu Pratama
Tugu Pratama Indonesia Tbk yang berlaku. 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 2023, antara lain: their competencies in 2023 by participating in the following
competency enhancement programs:
Nama Kegiatan/Program Tanggal/tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
Edi Yoga Prasetyo Informasi peningkatan kompetensi/pelatihan Bapak Edi Yoga Prasetyo dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Information on competency enhancement/training of Mr. Edi Yoga Prasetyo can be found in the information on
competency enhancement/training for members of the Board of Directors in this governance chapter.
Emil Hakim Informasi peningkatan kompetensi/pelatihan Bapak Emil Hakim dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Information on competency enhancement/training of Mr. Emil Hakim can be found in the information on
competency enhancement/training for members of the Board of Directors in this governance chapter.
Sudarlin Informasi peningkatan kompetensi/pelatihan Bapak Sudarlin dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Information on competency enhancement/training of Mr. Sudarlin can be found in the information on competency
enhancement/training for members of the Board of Directors in this governance chapter.
Ery Widiatmoko Informasi peningkatan kompetensi/pelatihan Bapak Ery Widiatmoko dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Information on competency enhancement/training of Mr. Ery Widiatmoko can be found in the information on
competency enhancement/training for members of the Board of Directors in this governance chapter.
Ismawati Informasi peningkatan kompetensi/pelatihan Ibu Ismawati dapat dilihat pada informasi peningkatan kompetensi/
pelatihan anggota Komite Investasi pada bab tata kelola ini.
Information on competency enhancement/training of Ms. Ismawati can be found in the information on
competency enhancement/training for members of the Investment Committee in this governance chapter.
Kristy Damayanti Informasi peningkatan kompetensi/pelatihan Ibu Kristy Damayanti dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Komite Investasi pada bab tata kelola ini.
Information on competency enhancement/training of Ms. Kristy Damayanti can be found in the information on
competency enhancement/training for members of the Investment Committee in this governance chapter.
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Nama Kegiatan/Program Tanggal/tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
Edwar People Management Development Jakarta, 30 Januari-1 Februari 2023 HR Excellency
Program Batch 3 Jakarta, 30 January-1 February 2023
tiLearn 041; Basic Safety Training Jakarta, 24 Mei 2023 Tugu Institute X HSSE
2023 Jakarta, 24 May 2023
tiShare 008 : Sosialisasi Jakarta, 29 Mei 2023 Tugu Institute X Human Capital
Pengelolaan Talent dan Rencana Jakarta, 29 May 2023 & Services
Suksesi
tiShare 008: Dissemination of
Talent Management and Succession
Planning
QCRO Jakarta, 20-22 Juni 2023 WDA
Jakarta, 20-22 June 2023
Coaching For Empowering Your Team Jakarta, 23 Agustus 2023 IKIGAI
Jakarta, 23 August 2023
Managing Reinsurance Risk Jakarta, 30 September 2023 WDA
tilearn 047 : Right Service Jakarta, 23 Oktober 2023 Strategic Partnership Group
Experience for The Right Customer Jakarta, 23 October 2023
tilearn 052 : Keynote Speech Jakarta, 16 November 2023 Legal & Compliance Group
Perlindungan Data Pribadi
tilearn 052 : Keynote Speech on
Personal Data Protection
Contract Management & Finance Jakarta, 28 November 2023 ERP Team
Management
Resti Setia Utari Pelatihan dan Sertifikasi Certified Jakarta, 25-27 Januari 2023 LPFA
Forensic Auditor (CFrA)-Audit Jakarta, 25-27 January 2023
Forensik
Certified Forensic Auditor (CFrA)
Training and Certification-Forensic
Audit
Risk Management Forum Pertamina Jakarta, 16 Maret 2023 Tugu Institute X ERM & Legal
Group 2023 Jakarta, 16 March 2023 Group
tiLearn 041; Basic Safety Training Jakarta, 24 Mei 2023 Tugu Institute X HSSE
2023 Jakarta, 24 May 2023
tiLearn 042: Implementasi SMAP Jakarta, 8 Juni 2023 Tugu Institute X Compliance
Dalam Menunjang Kegiatan Jakarta, 8 June 2023
Operasional Perusahaan
tiLearn 042: Implementation
of SMAP to Support Company
Operational Activities
Peningkatan Pemahaman Anti Solo, 22 Juni 2023 FKSPI
Pencucian Uang di Sektor Korporasi Solo, 22 June 2023
Increasing Understanding of Anti-
Money Laundering in the Corporate
Sector
Anti Fraud Day Jakarta, 3 Juli 2023 GRC Management
Jakarta, 3 July 2023
tiLearn 046 : Perlindungan Data Jakarta, 2 Agustus 2023 Tugu Institute X Legal &
Pribadi di Industri Jasa Keuangan Jakarta, 2 August 2023 Compliance
Setelah Disahkannya UU PDP
tiLearn 046: Protection of Personal
Data in the Financial Services
Industry After the Passing of the
PDP Law
Coaching For Empowering Your Team Jakarta, 23 Agustus 2023 IKIGAI
Jakarta, 23 August 2023
tilearn 047 : Right Service Jakarta, 23 Oktober 2023 Strategic Partnership Group
Experience for The Right Customer Jakarta, 23 October 2023
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Nama Kegiatan/Program Tanggal/tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
tilearn 054 : APU, PPT & PPPSPM Jakarta, 12 Desember 2023 Legal & Compliance Group
di Sektor Jasa Keuangan Berbasis Jakarta, 12 December 2023
POJK No. 8 Tahun 2023"
tilearn 054 : AML, CFT &
Proliferation of WMD in the Financial
Services Sector Based on POJK No.
8 of 2023"
Navigating Country Risk for Jakarta, 14-15 Desember 2023 LSPMR
Sustainable Growth: Opportunities Jakarta, 14-15 December 2023
and Challenges
Tugas dan Tanggung Jawab Komite Manajemen Risiko
Duties and Responsibilities of Tugu Insurance’s Risk Management Committee
Tugu Insurance mengemban tugas dan tanggung jawab Tugu Insurance’s Risk Management Committee has the
sebagai berikut: following duties and responsibilities:
1. Melakukan evaluasi dan memberikan rekomendasi 1. Evaluate and provide recommendations to the President
kepada Direktur Utama terkait Manajemen Risiko; Director concerning Risk Management;
2. Penyusunan kebijakan, strategi dan pedoman penerapan 2. Formulate policies, strategies and guidelines for
Manajemen Risiko serta perubahannya; the implementation of Risk Management and
3. Penyusunan tingkat Risiko yang akan diambil (risk their amendments;
appetite) dan toleransi risiko (risk tolerance), kerangka 3. Set the level of risk appetite and risk tolerance, Risk
Manajemen Risiko serta rencana kontijensi untuk Management framework and contingency plans to
mengantisipasi terjadinya kondisi tidak normal; anticipate the occurrence of unusual conditions;
4. Perbaikan atau penyesuaian pelaksanaan Manajemen 4. Make improvements or adjustments to the
Risiko berdasarkan hasil evaluasi pelaksanaan implementation of Risk Management based on the
Manajemen Risiko antara lain menyempurnakan proses results of the evaluation of the Risk Management
Manajemen Risiko secara berkala maupun bersifat implementation, such as enhancing the Risk
insidentil sebagai akibat dari suatu perubahan kondisi Management process periodically or incidentally due
eksternal dan internal Perusahaan yang memengaruhi to changes in the Company’s external and internal
kecukupan pendanaan, profil Risiko Perusahaan, conditions that affect the adequacy of funding, the
dan tidak efektifnya penerapan Manajemen Risiko Company’s Risk profile, and the ineffectiveness of
berdasarkan hasil evaluasi; Risk Management implementation based on the
5. Penetapan hal-hal yang terkait dengan keputusan bisnis evaluation results;
yang menyimpang dari prosedur normal. 5. Determine matters related to business decisions that
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 the management of the
Risiko Perusahaan berdasarkan Sistem Tata Kerja Company’s Risks based on the applicable Work System;
yang berlaku; 2. Provide recommendations to the President Director on
2. Memberikan rekomendasi kepada Direktur Utama atas issues that require the approval of the Board of Directors
permasalahan yang membutuhkan Persetujuan Direksi and/or the Board of Commissioners;
dan/atau Dewan Komisaris; 3. Obtain input and/or suggestions from outside parties of
3. Mendapatkan masukan dan atau saran dari pihak luar the Company related to their duties.
Perusahaan yang berkaitan dengan tugasnya.
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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 in 1 (one) year;
2. Rapat Komite dipimpin oleh Ketua Komite. Dalam hal 2. The meetings are led by the Committee Chairman. In the
Ketua Komite berhalangan hadir maka Ketua Komite event the Committee Chairman is unable to attend, the
akan menunjuk wakil Ketua Komite untuk bertugas Committee Chairman will appoint the Committee’s Deputy
sebagai pimpinan rapat; Chairman to be the acting chairman of the meeting;
3. Pembahasan dalam Komite Manajemen Risiko dapat 3. Discussions in the Risk Management Committee can be
berupa rapat ataupun penandatanganan sirkuler; conducted by means of 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 Rapat Committee Meeting refers to the meeting’s scope of
Komite Manajemen Risiko; the discussion;
5. Rapat dianggap sah dan berwenang mengambil 5. Meetings are considered valid and have the authorization
keputusan yang mengikat apabila telah memenuhi to make binding decisions if it is met the quorum of
kuorum kehadiran anggota; member attendance;
6. Rapat akan memenuhi kuorum apabila dihadiri oleh 2/3 6. Meetings will have a quorum if attended by 2/3 (two-
(dua per tiga) anggota Komite. Keputusan rapat akan sah thirds) of the Committee’s members. The decision of
apabila disetujui oleh 2/3 (dua per tiga) anggota Komite the meeting will be valid upon the approval by 2/3
yang hadir; (two-thirds) of the Committee’s members present at
7. Keputusan dapat diambil dengan suara bulat dari the meeting;
Anggota tetap Komite yang hadir atau berdasarkan suara 7. Decisions can be made unanimously by the permanent
mayoritas (>50%) dari Anggota tetap Komite yang hadir; members of the Committee who are present or based on
8. Sekretaris Komite melakukan persiapan rapat, a majority vote (>50%) of the permanent members of the
menentukan agenda rapat, dan mereview kesesuaian Committee who are present;
materi yang akan disampaikan dalam rapat; 8. The Committee Secretary makes preparation for the
9. Dalam hal jumlah suara yang setuju sama dengan meeting, determines the meeting agenda, and reviews
jumlah suara yang tidak setuju, maka keputusan Rapat the suitability of the material to be presented at
diserahkan kepada pimpinan Rapat; the meeting;
10. Dalam pelaksanaan rapat Komite, selain dihadiri oleh 9. In the event the number of votes that agree is the
Anggota Komite, Sekretaris Komite dapat mengundang same as the number of votes that do not agree, then
pihak-pihak (invitee) yang dianggap terkait sesuai dengan the decision of the Meeting shall be submitted to the
agenda yang dibahas; chairman of the Meeting;
11. Status tindak lanjut rapat sebelumnya disampaikan pada 10. In conducting Committee meetings, apart from being
setiap awal Rapat Komite Manajemen Risiko; attended by Committee Members, the Committee
12. Setiap perbedaan pendapat (dissenting opinion) dalam Secretary may invite parties (invitees) deemed related
rapat harus secara jelas dinyatakan dalam Risalah Rapat according to the agenda discussed;
beserta alasannya; 11. The follow-up status of the previous meeting is
13. Risalah rapat dibuat oleh Sekretaris Komite dan wajib conveyed at the beginning of each Risk Management
ditandatangani oleh pimpinan rapat; Committee meeting;
14. Anggota Komite yang hadir maupun yang tidak hadir 12. Any dissenting opinion at the meeting must be clearly
dalam rapat Komite berhak menerima salinan risalah stated in the Minutes of Meeting along with the reasons;
rapat Komite. 13. Minutes of meeting are made by the Secretary of the
Committee and must be signed by the chairman of
the meeting;
14. Committee members who are present or not present at
the Committee meeting are entitled to receive a copy of
the minutes of the Committee meeting.
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Selama tahun 2023, Komite Manajemen Risiko telah In 2023, the Risk Management Committee has held 4 (four)
menyelenggarakan 4 (empat) kali rapat dengan rincian meetings with attendance details as follows:
kehadiran sebagai berikut:
Nama Jumlah Rapat Jumlah Kehadiran Tingkat Kehadiran
No
Names Total Meetings Total Attendance Attendance Rate (%)
1 Budi P. Amir 1) 1 1 100%
2 Emil Hakim 4 4 100%
3 Syaiful Azhar 2)
1 1 100%
4 Sudarlin 3) 1 1 100%
5 Ery Widiatmoko 4 4 100%
6 Ismawati 4 4 100%
7 Kristy Damayanti 4 4 100%
8 Resti Setia Utari 4 3 75%
9 Edwar 4 4 100%
10 Tuty Ratnasari 4) 2 2 100%
1)
Tidak lagi menjabat sebagai Ketua Komite Manajemen Risiko sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
2)
Tidak lagi menjabat sebagai anggota Komite Manajemen Risiko sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
3)
Efektif Menjabat sebagai anggota Komite Manajemen Risiko sejak 30 Oktober 2023.
4)
Tidak lagi menjabat sebagai anggota Komite Manajemen Risiko sejak 2 Juli 2023.
1)
No longer served as Chair of the Risk Management Committee since the closing of the Annual GMS on 28 April 2023.
2)
No longer served as a member of the Risk Management Committee since the closing of the Annual GMS on 28 April 2023.
3)
Effectively serving as a member of the Risk Management Committee since 30 October 2023.
4)
No longer served as a member of the Risk Management Committee since 2 July 2023.
Laporan Pelaksanaan Tugas Komite Manajemen Risiko
Report on the Implementation of Risk Management Committee’s Duties
Per 31 Desember 2023, Komite Manajemen Risiko telah As of 31 December 2023, the Risk Management Committee
melaksanakan 4 kali rapat dengan agenda sebagai berikut: has held 4 meetings with the following agenda:
Hari/Tanggal Mekanisme Rapat Kourum Kehadiran
No Agenda
Day/Date Meeting Mechanism Attendance Quorum
1 Jumat, 31 Maret 2023 • Hasil penilaian Tingkat Kesehatan per 31 Desember Rapat Daring 100%
Friday, 31 March 2023 2022. Online Meeting
• Usulan laporan pertanggungjawaban Direksi atas
Kebijakan Manajemen Risiko semester II-2022.
• Early Warning System per 28 Februari 2023.
• Health Level assessment results as of 31 December
2022.
• Proposed accountability report for the Board of Directors
regarding the Risk Management Policy for semester
II-2022.
• Early Warning System as of 28 February 2023.
2 Jumat, 23 Juni 2023 • Hasil penilaian Tingkat Kesehatan per 31 Mei 2023. Rapat Daring 100%
Friday, 23 June 2023 • Early warning system per 31 Mei 2023. Online Meeting
• Health Level assessment results as of 31 May 2023.
• Early Warning System as of 31 May 2023.
3 Jumat, 15 September • Hasil penilaian Tingkat Kesehatan per 30 Juni 2023. Rapat Tatap Muka 86%
2023 • Early warning system per 30 Juni 2023. Offline meeting
Friday, 15 September • Risk Appetite Statement.
2023 • Risk Register On Going Business.
• Health Level assessment results as of 30 June 2023.
• Early Warning System as of 30 June 2023.
• Risk Appetite Statement.
• Risk Register On Going Business.
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Hari/Tanggal Mekanisme Rapat Kourum Kehadiran
No Agenda
Day/Date Meeting Mechanism Attendance Quorum
4 Jumat, 15 Desember • Hasil penilaian Tingkat Kesehatan per 31 Oktober 2023. Rapat Tatap Muka 100%
2023 • Early warning system per 31 Oktober 2023. Offline meeting
Friday, 15 December • Risk Appetite Statement per 31 Oktober 2023.
2023 • Liquidity Coverage Ratio (LCR).
• Penerapan Peraturan Menteri BUMN No.2 Tahun 2023.
• Health Level assessment results as of 31 October 2023.
• Early warning system as of 31 October 2023.
• Risk Appetite Statement as of 31 October 2023.
• Liquidity Coverage Ratio (LCR).
• Implementation of SOEs Ministerial Regulation No.2 of
2023.
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5.C.
Komite Pengarah Teknologi Informasi
Information Technology Steering Committee
Tugu Insurance telah membentuk Komite Pengarah Teknologi Tugu Insurance has established Information Technology
Informasi (“Komite”) dengan tujuan untuk membantu Steering Committee (“Committee”) with the aim to assisting
Direksi dalam melaksanakan tugas dan tanggung jawab the Board of Directors in carrying out the duties and
untuk memantau implementasi Manajemen Risiko dan responsibilities of monitoring the implementation of Risk
mengantisipasi potensi Risiko yang mungkin terjadi Management and anticipating potential risks that may occur
seiring dengan pertumbuhan bisnis Perseroan, memantau in line with Tugu Insurance’s business growth, monitoring
perkembangan eksposur risiko, meninjau pelaksanaan serta the development of risk exposure, reviewing the ongoing
pengkinian kebijakan, proses dan prosedur Manajemen implementation and updating the policies, processes, and
Risiko yang berkelanjutan. procedures of Risk Management.
Susunan Keanggotaan, Dasar Pengangkatan, dan Masa Jabatan
Membership Composition, Basis of Appointment, and Term of Office
Ketentuan atas pengangkatan dan masa jabatan Komite Provisions for the appointment and term of office of the
Pengarah Teknologi Informasi sebagai berikut: Information Technology Steering Committee are as follows:
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 the recommendation
bersifat independen dan bertanggung jawab langsung from the Committee. The Committee is independent and
kepada Direksi; responsible 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 can be reappointed without prejudice to the
Direksi untuk mengubah susunan Komite sewaktu-waktu; Board of Directors’ authorities to change the composition
3. Komite terdiri atas Ketua Komite merangkap sebagai of the Committee at any time;
Anggota Komite; 3. The Committee consists of the Committee’s Chairman
4. Komite terdiri atas Wakil Ketua Komite merangkap concurrently serves as Committee Member;
sebagai Anggota Komite; 4. The Committee consists of the Committee’s Deputy
5. Komite terdiri atas Sekretaris merangkap sebagai Chairman concurrently serves as Member of
Anggota Komite; the Committee;
6. Anggota Komite terdiri dari Anggota Tetap dengan hak 5. The Committee consists of a Secretary concurrently
suara dan Anggota tanpa hak suara; serves as Committee Member;
7. Setiap anggota wajib memenuhi ketentuan hukum 6. Committee members consist of Permanent Members with
serta regulasi yang berlaku, dengan komposisi anggota voting rights and Members without voting rights;
sebagai berikut: 7. Each member must comply with applicable laws and
• Ketua Komite/Anggota Tetap: Direktur Keuangan dan regulations, with the composition of members as follows:
Layanan Korporat; • Committee Chairman/Permanent Member: Finance
• Wakil Ketua/Anggota Tetap: Direktur Kepatuhan & and Corporate Services Director;
Manajemen Risiko; • Deputy Chairman/Permanent Member: Compliance &
• Sekretaris/Anggota Tetap: Information Technology Risk Management Director;
Group Head; • Secretary/Permanent Member: Information
• Anggota Tetap: Technology Group Head;
- Direktur Pemasaran Asuransi; • Permanent Members:
- Direktur Teknik Technical Director; - Insurance Marketing Director;
- Compliance Group Head; - Technical Director;
- ERM & Legal Group Head; - Compliance Group Head;
- Financial Planning & Evaluation Group Head; - ERM & Legal Group Head;
- Corporate Strategy & Transformation Group Head. - Financial Planning & Evaluation Group Head;
- Corporate Strategy & Transformation Group Head.
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• Anggota Tidak Tetap: • Non-Permanent Members:
Pejabat tertinggi pada fungsi yang terkait dengan The highest official in the function related to the topic
topik yang dibahas dan/atau direkomendasikan discussed and/or recommended in the Information
dalam Komite Pengarah Teknologi Informasi, Technology Steering Committee, except for the
kecuali pengusul untuk transaksi atau hal-hal yang proposers of transactions or matters deviating from
menyimpang dari prosedur normal. normal procedures.
Adapun susunan Komite Pengarah Teknologi Informasi per Composition of Tugu Insurance IT Steering Committee as of
Desember 2023, sebagai berikut: December 2023:
Posisi Nama Jabatan Dasar Pengangkatan Masa jabatan
Position Name Title Basis of Appointment Term of Office
Ketua/Anggota Tetap Emil Hakim Direktur Keuangan & Komite Pengarah Teknologi 3 (tiga) tahun dan dapat
Chairperson/Permanent Layanan Korporat Informasi dibentuk diangkat kembali dengan tidak
Member Finance and Corporate berdasarkan Surat Keputusan mengurangi hak Direksi untuk
Services Director Direksi No. 19/SKD/05/ mengubah susunan Komite
Wakil Ketua/Anggota Tetap Edi Yoga Prasetyo Direktur Kepatuhan & LEC-ATPI/XI/2023 tanggal Pengarah TI sewaktu-waktu.
Deputy Chairperson/ Manajemen Risiko 6 November 2023, tentang 3 (three) years, and can
Permanent Member Compliance & Risk Perubahan Susunan Pengarah be reappointed without any
Management Director Teknologi Informasi PT prejudice to the Board of
Asuransi Tugu Pratama Directors authority to change
Sekretaris/Anggota Tetap Achmad Taufik Firdaus Information Technology the composition of IT Steering
Indonesia Tbk.
Secretary/Permanent Group Head Committee at any time
Member
The Information Technology
Anggota Tetap Ery Widiatmoko Direktur Pemasaran Steering Committee was
Permanent Member Asuransi formed based on Decree
Insurance Marketing of the Board of Directors
Director No. 19/SKD/05/LEC-ATPI/
XI/2023 dated 6 November
Sudarlin Direktur Teknik 2023, concerning Changes
Technical Director in the Composition of
Information Technology
Directors of PT Asuransi Tugu
Ismawati ERM & Policy Group Pratama Indonesia Tbk.
Head
Anggota Tidak Tetap Pejabat yang terkait dengan topik yang dibahas dan/atau direkomendasikan dalam Komite Pengarah TI, kecuali
Non-Permanent Member pengusul untuk transaksi atau hal-hal yang menyimpang dari prosedur normal.
The officers who are related to the topic discussed and/or recommended in the IT Steering Committee, except the
proposer of the transactions or things deviating from normal procedures.
Profil Komite Pengarah Teknologi Informasi
Profile of IT Steering Committee Members
Nama Jabatan
No
Names Position
1 Emil Hakim Direktur Keuangan dan Layanan Korporat Untuk Profil Bapak Emil Hakim dapat dilihat pada profile
Finance and Corporate Services Director Direksi pada Laporan Tahunan ini.
The profile of Mr. Emil Hakim can be found in the
Directors' profile in this Annual Report.
2 Edi Yoga Prasetyo Direktur Kepatuhan & Manajemen Risiko Untuk Profil Bapak Edi Yoga Prasetyo dapat dilihat pada
Compliance & Risk Management Director profile Direksi pada Laporan Tahunan ini.
The profile of Mr. Edi Yoga Prasetyo can be found in the
Directors' profile in this Annual Report.
3 Sudarlin Direktur Teknik Untuk Profil Bapak Sudarlin dapat dilihat pada profile
Technical Director Direksi pada Laporan Tahunan ini.
The profile of Mr. Sudarlin can be found in the
Directors' profile in this Annual Report.
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Nama Jabatan
No
Names Position
4 Ery Widiatmoko Direktur Pemasaran Asuransi Untuk Profil Bapak Ery Widiatmoko dapat dilihat pada
Insurance Marketing Director profile Direksi pada Laporan Tahunan ini.
The profile of Mr. Ery Widiatmoko can be found in the
Directors' profile in this Annual Report.
5 Ismawati ERM & Policy Group Head Untuk Profil Ibu Ismawati dapat dilihat pada profile
Anggota Komite Investasi pada Laporan Tahunan ini.
The profile of Ms. Ismawati can be found in the profile
of the Investment Committee Members in this Annual
Report.
Achmad Taufik Firdaus
Sekretaris Pengarah Teknologi Informasi | Secretary of IT Steering Committee
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir 10 November 1969
Birthdate/Place
Usia 54 tahun
Age 54 years old
Domisili Jakarta Selatan
Domicile South Jakarta
Pendidikan dan Pelatihan Sarjana Komputer, STMIK Gunadarma, 1988. Bachelor of Computers, STMIK Gunadarma, 1988.
Education and Training
Riwayat Pekerjaan • IT Group Head, PT Asuransi Tugu Pratama • IT Group Head, PT Asuransi Tugu Pratama
Work Experience Indonesia Tbk (2016-sekarang). Indonesia Tbk (2016-present).
• Account Director PERTAMINA Business, PT Asuransi • Account Director of PERTAMINA Business, PT
Tugu Pratama Indonesia Tbk (2010-2016). Asuransi Tugu Pratama Indonesia Tbk (2010-2016).
• IT Operation Manager, PT Asuransi Tugu Pratama • IT Operation Manager, PT Asuransi Tugu Pratama
Indonesia Tbk (2003-2010). Indonesia Tbk (2003-2010).
• Network Operation & Technical Support Supervisor, • Network Operation & Technical Support Supervisor,
PT Asuransi Tugu Pratama Indonesia Tbk (1997- PT Asuransi Tugu Pratama Indonesia Tbk (1997-
2003). 2003).
• Technicall Staff IT, PT Asuransi Tugu Pratama • IT Technical Staff, PT Asuransi Tugu Pratama
Indonesia Tbk (1994-1997). Indonesia Tbk (1994-1997).
Rangkap Jabatan Information Technology Group Head.
Concurrent Position
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Dewan Has no affiliation with members of the Board of
Affiliation Relation Komisaris, Direksi dan Pemegang Saham utama/ Commissioners, Directors and Major/Controlling
Pengendali. Shareholders.
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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 2023, competencies in 2023 by participating in the following
antara lain: competency enhancement programs:
Nama Kegiatan/Program Tanggal/tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
Emil Hakim Informasi peningkatan kompetensi/pelatihan Bapak Emil Hakim dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Information on competency enhancement/training of Mr. Emil Hakim can be found in the information on
competency enhancement/training of members of the Board of Directors in this governance chapter.
Edi Yoga Prasetyo Informasi peningkatan kompetensi/pelatihan Bapak Edi Yoga Prasetyo dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Information on competency enhancement/training of Mr. Edi Yoga Prasetyo can be found in the information on
competency enhancement/training of members of the Board of Directors in this governance chapter.
Sudarlin Informasi peningkatan kompetensi/pelatihan Bapak Sudarlin dapat dilihat pada informasi peningkatan
kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
Information on competency enhancement/training of Mr. Sudarlin can be found in the information on competency
enhancement/training of members of the Board of Directors in this governance chapter.
Ismawati Informasi peningkatan kompetensi/pelatihan Ibu Ismawati dapat dilihat pada informasi peningkatan kompetensi/
pelatihan anggota Komite Investasi ada bab tata kelola ini.
Information on Ms. Ismawati's competency enhancement/training can be found in the information on competency
enhancement/training for Investment Committee members in this governance chapter.
Achmad Taufik Firdaus People Management Development Jakarta, 22-24 Februari 2023 HR Excellency
Program Batch 4. Jakarta, 22-24 February 2023
Risk Management Forum Pertamina Jakarta, 16 Maret 2023 Tugu Institute X ERM & Legal
Group 2023. Jakarta, 16 March 2023 Group
Risk Management Strategy in The Jakarta, 18 Maret 2023 WDA
Hardening Insurance Market. Jakarta, 18 March 2023
tiShare 008 : Sosialisasi Jakarta, 29 Mei 2023 Tugu Institute X Human Capital
Pengelolaan Talent dan Rencana Jakarta, 29 May 2023 & Services
Suksesi.
tiShare 008: Dissemination of
Talent Management and Succession
Planning.
tiLearn 042: Implementasi SMAP Jakarta, 8 Juni 2023 Tugu Institute X Compliance
Dalam Menunjang Kegiatan Jakarta, 8 June 2023
Operasional Perusahaan.
tiLearn 042: Implementation
of SMAP to Support Company
Operational Activities.
Coaching For Empowering Your Jakarta, 30 Agustus 2023 IKIGAI
Team. Jakarta, 30 August 2023
tilearn 052 : Keynote Speech Jakarta, 16 November 2023 Legal & Compliance Group
Perlindungan Data Pribadi.
tilearn 052 : Keynote Speech on
Personal Data Protection.
tilearn 053 : Perlindungan Data Jakarta, 21 November 2023 Legal & Compliance Group
Pribadi/UU PDP.
tilearn 053 : Personal Data
Protection/PDP Law.
tilearn 054 : APU, PPT & PPPSPM di Jakarta, 12 Desember 2023 Legal & Compliance Group
Sektor Jasa Keuangan Jakarta, 12 December 2023
Berbasis POJK No. 8 Tahun 2023.
tilearn 054 : AML, CFT &
Proliferation of WMD in the Financial
Services Sector Based on POJK No.
8 of 2023"
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Tugas dan Tanggung Jawab
Duties and Responsibilities
Komite Pengarah TI Tugu Insurance mengemban tugas dan Tugu Insurance’s IT Steering Committee has the following
tanggung jawab sebagai berikut: duties and responsibilities:
1. Menetapkan rencana pengembangan teknologi informasi 1. Determining information technology development
dan kebijakan Perusahaan terkait dengan penggunaan plans and the Company’s policies related to the use of
teknologi informasi; information technology;
2. Perumusan kebijakan dan prosedur teknologi informasi 2. Formulating key information technology policies and
yang utama seperti kebijakan pengamanan teknologi procedures such as information technology security
informasi dan manajemen risiko terkait dengan policies and risk management related with the use of
penggunaan teknologi informasi; information technology;
3. Kesesuaian proyek teknologi informasi yang disetujui 3. Conformity of the approved information technology
dengan rencana pengembangan teknologi informasi; projects with information technology development plans;
4. Kesesuaian antara pelaksanaan proyek teknologi 4. Conformity of the implementation of information
informasi dengan rencana proyek yang disepakati (project technology projects with the agreed project plans (project
charter); charters);
5. Kesesuaian penyelenggaraan teknologi informasi sesuai 5. Conformity of the implementation of information
dengan kebutuhan sistem informasi manajemen dan technology in accordance with the needs of management
kebutuhan kegiatan usaha Perusahaan; information systems and the needs of the Company’s
6. Efektivitas mitigasi risiko atas investasi Perusahaan pada business activities;
sektor teknologi informasi agar investasi Perusahaan 6. The effectiveness of risk mitigation on the Company’s
pada sektor teknologi informasi memberikan kontribusi investment in the information technology sector so
terhadap pencapaian tujuan Perusahaan; that the Company’s investment in the information
7. Pemantauan atas kinerja teknologi informasi dan upaya technology sector contributes to the achievement of the
peningkatan kinerja teknologi informasi; Company’s goals;
8. Upaya penyelesaian berbagai masalah terkait teknologi 7. Monitoring the information technology performance and
informasi yang tidak dapat diselesaikan oleh satuan kerja efforts to improve information technology performance;
pengguna dan penyelenggara, secara efektif, efisien dan 8. Efforts to resolve various problems related to information
tepat waktu. technology that cannot be resolved by work units of
9. Kecukupan dan alokasi sumber daya teknologi informasi users and administrators in an effective, efficient and
yang dimiliki oleh Perusahaan. timely manner;
9. Adequacy and allocation of information technology
resources owned by the Company.
Komite Pengarah TI memiliki pedoman dalam melaksanakan The IT Steering Committee has guidelines in conducting
tugasnya yang dituangkan dalam Term of Reference (ToR) their duties, as outlined in the Terms of Reference of
Komite Pengarah TI PT Asuransi Tugu Pratama Indonesia Tbk. the IT Steering 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 4 (empat) 1. The Committee meetings are held at least 4 (four) times
kali dalam 1 (satu) tahun atau dapat diselenggarakan in a year or can be held at any time as needed;
setiap saat sesuai dengan kebutuhan; 2. The meeting is chaired by the Committee Chairman.
2. Rapat dipimpin oleh ketua komite. Apabila ketua komite If the Committee Chairman is unable to attend, then
tidak dapat hadir, maka rapat komite akan dipimpin oleh the committee meeting will be chaired by the Deputy
wakil ketua atau ketua pengganti; Chairman or alternate chair;
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3. Sekretaris Komite melakukan persiapan rapat, membuat 3. The Committee Secretary prepares for meetings,
undangan, menentukan agenda rapat, dan mereview makes invitations, determines the meeting agenda, and
kesesuaian materi yang akan disampaikan dalam rapat; reviews the suitability of the material to be presented at
4. Hak suara hanya dimiliki oleh anggota komite yang the meeting;
menjabat sebagai Direktur; 4. Voting rights are only owned by committee members who
5. Dalam pelaksanaan rapat Komite Pengarah Teknologi serve as Directors;
Informasi, selain dihadiri oleh Anggota Komite, Sekretaris 5. In the implementation IT Steering Committee meetings,
Komite dapat mengundang pihak-pihak (invitee) yang apart from being attended by Committee Members,
dianggap terkait sesuai dengan agenda yang dibahas; the Committee Secretary may invite parties (invitees)
6. Rapat Komite Pengarah Teknologi Informasi adalah deemed related with the agenda discussed;
sah dan berhak mengambil keputusan yang mengikat 6. An Information Technology Steering Committee meeting
atau dianggap memenuhi kuorum apabila sekurang- is legal and has the right to make binding decisions
kurangnya dihadiri oleh 51% (lima puluh satu perseratus) or is deemed to meet a quorum if attended by at least
dari jumlah anggota yang memiliki hak suara, dimana 51% (fifty one percent) of the total members with voting
dua di antaranya adalah Direktur yang membawahi rights, of which two are Directors in charge of Information
Teknologi Informasi dan Direktur yang membawahi fungsi Technology and the Director in charge of the risk
manajemen risiko; management function;
7. Keputusan rapat Komite berdasarkan 7. Decisions of the Committee meetings are based on
musyawarah mufakat; consensus deliberation;
8. Dalam hal tidak terjadi musyawarah mufakat, 8. In the event the consensus deliberation does not occur,
pengambilan keputusan diambil melalui voting decisions are taken by voting based on the agreed voting
berdasarkan dengan hak suara setuju lebih dari ½ (satu rights of more than ½ (one-half) of the total votes in
per dua) dari total suara dalam rapat; the meeting;
9. Hasil rapat Komite wajib dituangkan dalam risalah rapat 9. Results of the Committee meeting must be stipulated
Komite Pengarah Teknologi Informasi dan disampaikan in the minutes of the Information Technology Steering
kepada seluruh Direksi serta anggota rapat Komite; Committee meeting and submitted to all Directors and
10. Setiap perbedaan pendapat (dissenting opinion) dalam members of the Committee meeting;
rapat harus secara jelas dinyatakan dalam Risalah Rapat 10. Any dissenting opinion at the meeting must be clearly
beserta alasannya; stated in the Minutes of Meeting along with the reasons;
11. Anggota Komite yang hadir maupun yang tidak hadir 11. Committee members who are present and not present
dalam rapat Komite Pengarah Teknologi Informasi berhak the Information Technology Steering Committee meeting
menerima salinan risalah rapat Komite. are entitled to receive a copy of the minutes of the
Committee meeting.
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Selama tahun 2023, Komite Pengarah Teknologi Informasi In 2023, the IT Steering Committee has held 2 meetings with
telah menyelenggarakan 2 kali rapat dengan rincian information on the attendance level of members as follows:
kehadiran sebagai berikut:
Nama Jumlah Rapat Jumlah Kehadiran Tingkat Kehadiran (%)
Name Total Meeting Total Attendance Attendance Rate
Emil Hakim 2 2 100%
Edi Yoga Prasetyo 1 1 100%
Sudarlin 1 1 100%
Ery Widiatmoko 2 2 100%
Achmad Taufik Firdaus 2 2 100%
Ismawati 2 2 100%
Budi P. Amir 1) 1 1 100%
Tuty Ratnasari 2) 1 1 100%
1)
Sudah tidak lagi menjabat sebagai anggota Komite Pengarah Teknologi Informasi sejak ditutupnya RUPS Tahunan tanggal 28 April 2023.
2)
Sudah tidak lagi menjabat sebagai anggota Komite Pengarah Teknologi Informasi sejak 2 Juli 2023.
1)
No longer served as the member of the Information Technology Steering Committee since the closing of the Annual GMS on 28 April 2023.
2)
No longer served as the member of the Information Technology Steering Committee as of 2 July 2023.
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 (satu) The Committee makes a periodic report at least 1 (once)
kali dalam satu tahun mengenai pelaksanaan tugas serta a year regarding the implementation of the duties and
rekomendasi Komite. Laporan komite dibuat oleh Sekretaris recommendations of the Committee. The Committee report
Komite dan wajib ditandatangani oleh Ketua Komite. Per is prepared by the Committee Secretary and must be signed
31 Desember 2023, pelaksanaan kinerja Komite Pengarah by the Committee Chairman. As of 31 December 2023,
Teknologi Informasi, antara lain: the performance of the Information Technology Steering
Committee includes:
1. Mengadakan rapat pada 14 Maret 2023 dengan agenda 1. Held a meeting on 14 March 2023 with the agenda of
Implementasi Sertifikasi ISO 27001:2013 (Information Implementing ISO 27001:2013 Certification (Information
Security Management System); Security Management System);
2. Mengadakan rapat pada 20 November 2023 dengan 2. Held a meeting on 20 November 2023 with the agenda
agenda pembedahan dan penjelasan progress terkait of discussion and explanation of progress regarding CSM
CSM (Cyber Security Maturity) dan BCM (Business (Cyber Security Maturity) and BCM (Business Continuity
Continuity Management) tahun 2023 Management) in 2023.
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5.D.
Sekretaris Perusahaan
Corporate Secretary
Sekretaris Perusahaan Tugu Insurance memiliki fungsi The Corporate Secretary of Tugu Insurance has a function
sebagai pihak penghubung yang menjembatani kepentingan as a liaison party bridging the interests between the
antara Perseroan dengan pihak eksternal, terutama Company and external parties, especially in maintaining
dalam menjaga persepsi publik atas citra Perseroan serta public perception of the Company’s image and implementing
melaksanakan keterbukaan informasi. Setiap informasi yang information disclosure. Any information submitted by the
disampaikan oleh Sekretaris Perusahaan kepada masyarakat Corporate Secretary to the public is official information from
merupakan informasi resmi dari Perseroan. Selain daripada the Company. In addition, the Corporate Secretary shall
itu, Sekretaris Perusahaan wajib memastikan pemenuhan ensure the Company’s compliance with capital market laws
kepatuhan perusahaan terhadap peraturan perundang- and regulations.
undangan di bidang pasar modal.
Kedudukan dan Penunjukan Sekretaris Perusahaan
Position and Appointment of Corporate Secretary
Ketentuan mengenai kedudukan dan penunjukan Sekretaris Provisions regarding the position and appointment of the
Perusahaan di Tugu Insurance adalah sebagai berikut: Corporate Secretary at Tugu Insurance are as follows:
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 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 is
Presiden Direktur; accountable to the President Director;
3. Sekretaris Perusahaan dapat dirangkap oleh seorang 3. The Corporate Secretary can be concurrently held by
anggota Direksi Perseroan, atau Perseroan dapat a member of the Company’s Board of Directors, or the
menetapkan dalam struktur organisasinya salah Company can establish in its organizational structure
satu pejabat 1 (satu) level di bawah Direksi sebagai one of its officials that is 1 (one) level below the Board of
Sekretaris Perusahaan; Directors as the Corporate Secretary;
4. Sekretaris Perusahaan dilarang merangkap jabatan 4. The Corporate Secretary is prohibited from holding
apapun di perusahaan publik lain; concurrent positions in other public companies;
5. Sekretaris Perusahaan Perseroan memiliki pengetahuan 5. The Company’s Corporate Secretary should have
mengenai peraturan yang berkaitan dengan Perseroan, knowledge of regulations that involve the Company, as
hubungan masyarakat, keterampilan administratif dan well as public relations skills, administrative skills and
pengalaman yang mendukung pelaksanaan tugasnya. experience that supports the implementation of his/
her duties.
Keorganisasian Sekretaris Perusahaan
Organization of Corporate Secretary
Struktur organisasi Corporate Secretary Group Tugu The organizational structure of the Tugu Insurance Group
Insurance ditetapkan sesuai Keputusan Direksi No. 169/ Corporate Secretary has been formed pursuant to the
SKD/04/HCM-OPR/ATPI/2023 tanggal 1 November 2023 Decree of the Board of Directors No. 169/SKD/04/HCM-
tentang Struktur Organisasi PT Asuransi Tugu Pratama OPR/ATPI/2023 dated 1 November 2023 concerning the
Indonesia Tbk. Organizational Structure of PT Asuransi Tugu Pratama
Indonesia Tbk.
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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 No. Based on Letter reported to the OJK No. 295/S/01/PD-
295/S/01/PD-ATPI/XI/2023 tanggal 2 November 2023, ATPI/XI/2023 dated 2 November 2023 the position of
posisi Sekretaris Perusahaan dijabat oleh Rudy Samudra Corporate Secretary is held by Rudy Samudra Kristanto.
Kristanto. Profil Sekretaris Perusahaan Tugu Insurance dapat The profile of the Tugu Insurance Company Secretary can be
dilihat sebagai berikut: summarized as follows:
Rudy Samudra Kristanto
Sekretaris Perusahaan | Corporate Secretary
Kewarganegaraan Indonesia
Citizenship
Tempat, Tanggal Lahir Cirebon, 9 Juni 1965
Birthdate/Place Cirebon, 9 June 1965
Usia 58 tahun
Age 58 years old
Domisili Jakarta
Domicile
Pendidikan dan Pelatihan • Risk Management Forum Pertamina Group • Pertamina Group Risk Management Forum (2023).
Education and Training (2023).
• People Management Development Program Batch • People Management Development Program Batch 3
3 by HR Excellency (2023). by HR Excellency (2023).
• Recognition Current Competency (RCC) QCRO by • Recognition Current Competency (RCC) QCRO by WDA
WDA (2023). (2023).
• Stakeholder Management Best Practice (2022). • Stakeholder Management Best Practice (2022).
• Sarjana Ilmu Sosial dan Ilmu Politik dari • Bachelor of Social and Political Sciences from
Universitas Parahyangan (1989). Parahyangan University (1989).
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Riwayat Pekerjaan Menempati posisi strategi di PT Asuransi Tugu Held strategic positions at PT Asuransi Tugu Pratama
Work Experience Pratama Indonesia, Tbk sejak tahun 1992: Indonesia, Tbk since 1992:
• Strategic Business III Group Head (2022-2023). • Strategic Business III Group Head (2022-2023).
• Direct Group Head (2018-2022). • Direct Group Head (2018-2022).
• Account Director (2012-2014). • Account Director (2012-2014).
Rangkap Jabatan Tidak memiliki rangkap jabatan di Tugu Insurance Do not hold concurrent positions at Tugu Insurance or
Concurrent Position maupun perusahaan/lembaga lain. other companies/institutions.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi dengan anggota Has no affiliation with members of the Board of
Affiliation Relation Dewan Komisaris, Direksi dan Pemegang Saham Commissioners, Board of Directors and Majority/
Utama/Pengendali. Controlling Shareholders.
Tugas dan Tanggung Jawab Sekretaris Perusahaan
Corporate Secretary’s Duties and Responsibilities
Dalam menjalankan peranan pentingnya dalam memfasilitasi In carrying out his pivotal role in facilitating communications
komunikasi antara organ perusahaan, hubungan antara between the Company’s organs, the relationship between the
Perseroan dengan stakeholders, dan kepatuhan terhadap Company and stakeholders, as well as ensuring compliance
peraturan yang berlaku, Sekretaris Perusahaan mengemban with applicable regulations, the Corporate Secretary has the
tugas dan tanggung jawab sebagai berikut: following duties and responsibilities:
1. Menentukan besaran anggaran operasional Group 1. Set the amount of the Group’s operational budget
dan mengawasi penggunaan anggaran tersebut untuk and supervise the use of the budget to ensure
memastikan efektivitas anggaran; budget effectiveness;
2. Menetapkan sasaran dan target kerja Group serta 2. Set the Group’s goals and work targets, and coordinate
mengkoordinir dan mengevaluasi implementasinya untuk and evaluate their implementation to ensure that the
memastikan pencapaian sasaran dan target kerja Group; Group’s goals are met;
3. Merekomendasikan kebutuhan jumlah SDM 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;
5. Menyetujui/mengevaluasi keterlibatan pihak ketiga 5. Approve and evaluate the involvement of third parties
dan menunjuk pihak ketiga yang terlibat dalam proses and appoint the third parties involved in the Company’s
komunikasi Perusahaan dan Tanggung Jawab Sosial communication process, and corporate social
Perusahaan (CSR) untuk memastikan efektivitas kerja di responsibility (CSR), so as to ensure work effectiveness
Corporate Secretary Group; at the Corporate Secretary Group;
6. Mengevaluasi dan merekomendasikan perubahan 6. Evaluate and recommend changes to policies related
kebijakan terkait proses komunikasi perusahaan to corporate communication processes, and Corporate
dan Tanggung Jawab Sosial Perusahaan (CSR) untuk Social Responsibility (CSR) to improve the effectiveness
meningkatkan efektivitas proses kerja di Corporate of work processes in the Corporate Secretary Group;
Secretary Group; 7. Oversee and evaluate the implementation of corporate
7. Mengawasi dan mengevaluasi pelaksanaan proses communication processes as well as Corporate
komunikasi perusahaan dan Tanggung Jawab Sosial Social Responsibility (CSR) at the Corporate Secretary
Perusahaan (CSR) di Corporate Secretary Group untuk Group, with a view to increasing the effectiveness of
meningkatkan efektivitas proses kerja; 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 work
kesenjangan antara program kerja dengan implementasi; programs and implementation;
9. Memastikan implementasi budaya dan nilai-nilai yang 9. Ensure the implementation of the culture and values
telah ditetapkan oleh Perusahaan pada lingkup Corporate set by the Company within the scope of the Corporate
Secretary Group; Secretary Group;
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10. Mengendalikan dan mengkoordinir seluruh kegiatan 10. Control and coordinate all communication activities
komunikasi Perusahaan, hubungan masyarakat dan of the Company, public relations and play a role in
berperan mendampingi Direksi dan/atau mewakili accompanying the Board of Directors and/or representing
Perusahaan dalam berkomunikasi dengan pihak lain the Company in communicating with other parties
yang memiliki kepentingan terhadap Perusahaan untuk having interest in the Company to provide services to
memberikan pelayanan kepada stakeholders atas setiap stakeholders for any relevant information needed;
informasi yang relevan yang dibutuhkan; 11. Carry out the coordination process and become a
11. Melaksanakan proses koordinasi dan menjadi liaison between the Board of Directors with the Board
penghubung antara Direksi dengan Dewan Komisaris, of Commissioners, Shareholders, the public, and the
Pemegang Saham, masyarakat, media massa untuk mass media to establish good communications among
menjalin komunikasi yang baik antar stakeholders; stakeholders;
12. Mengoordinir penyelenggaraan RUPST, RUPSLB, 12. Coordinate the holding of the AGMS, EGMS, Board
rapat Dewan Komisaris dan rapat Direksi, serta of Commissioners meetings and Board of Directors
menghadiri rapat Direksi dan rapat gabungan antara meetings, as well as attending Board of Directors
Komisaris dengan Direksi. Sekretaris Perusahaan meetings and joint meetings between the Board of
juga mengkoordinir penyusunan risalah rapat untuk Commissioners and Board of Directors. The Corporate
memastikan agenda-agenda rapat di tingkat Pemegang Secretary also coordinates the preparation of minutes of
Saham, Komisaris, dan Direksi terlaksana dengan baik; meetings to ensure those meeting agendas at the levels
13. Mengendalikan dan mengoordinir penyusunan Laporan of Shareholders, the Board of Commissioners and the
Tahunan Perusahaan (Annual Report) dan Laporan Board of Directors are carried out properly;
Berkelanjutan (Sustainability Report), untuk memastikan 13. Control and coordinate the preparation for the
tersedianya laporan tahunan dan laporan berkelanjutan Company’s Annual Report and Sustainability Report
Perusahaan secara komprehensif, akurat, menarik, tepat to ensure the availability of the Company’s annual
waktu dan sesuai dengan persyaratan regulasi; report and sustainability report in a comprehensive,
14. Mengendalikan dan mengevaluasi pelaksanaan accurate, engaging, and timely manner, pursuant to
program CSR yang bersifat strategis, komprehensif dan regulatory requirements;
berkesinambungan untuk memastikan program CSR 14. Control and evaluate the implementation of CSR
terlaksana secara optimal; programs that are strategic, comprehensive, and
15. Mengendalikan dan mengkoordinir kegiatan sustainable to ensure that CSR programs are
kesekretariatan perusahaan, penyimpanan dokumen optimally implemented;
penting, serta pengelolaan dan pemutakhirkan 15. Control and coordinate the Company’s secretarial
informasi tentang Perseroan yang disampaikan kepada activities, keeping important documents, as well as
stakeholders dalam berbagai media untuk menjamin management and update of information regarding the
akurasi dan ketersediaan dokumen penting dan informasi Company submitted to stakeholders in various media
mengenai Perseroan; publications, to ensure the accuracy and availability
16. Sebagai penghubung/mediator antara Direksi dan of important documents and information about
pegawai dengan Dewan Komisaris, pemegang saham, the Company;
regulator, asosiasi, masyarakat, media massa dan pihak 16. Act as a liaison/mediator between the Board of Directors
eksternal lainnya; and employees with the Board of Commissioners,
17. Mengoordinir kegiatan-kegiatan atas perubahan shareholders, regulators, associations, the public, the
dan perkembangan peraturan perundang-undangan mass media, and other external parties;
yang terkait dengan bidang usaha perusahaan dan 17. Coordinate activities regarding changes and
menganalisis dampaknya terhadap Perusahaan serta developments in laws and regulations related to the
menyampaikan hasil kajian kepada Direksi. Company’s line of business and analyzes their impact on
the Company and submits the results of the study to the
Board of Directors.
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Pelatihan Sekretaris Perusahaan
Corporate Secretary’s Training
Selama tahun 2023, Sekretaris Perusahaan secara rutin In 2023, the Corporate Secretary regularly attend various
mengikuti berbagai pelatihan, workshop, dan seminar yang training, workshops, and seminars, with the following details:
rinciannya sebagai berikut:
Nama Kegiatan/Program Tanggal/tempat Penyelenggara
Name Activities/Programs Date/Place Organizer
Emil Hakim (menjabat sebagai Informasi peningkatan kompetensi/pelatihan Bapak Emil Hakim dapat dilihat pada informasi peningkatan
Corporate Secretary periode kompetensi/pelatihan anggota Direksi pada bab tata kelola ini.
1 Januari 2023-1 November Information on competency enhancement/training of Mr. Emil Hakim can be found in the information on
2023) competency enhancement/training of members of the Board of Directors in this governance chapter.
Emil Hakim (serving as
Corporate Secretary for the
period of 1 January 2023-
1 November 2023)
Rudy Samudra (menjabat People Management Development Jakarta, 30 Januari-1 Februari 2023 Tugu Institute
sebagai Corporate Secretary Program Batch 3 Jakarta, 30 January-1 February 2023
periode 2 November 2023- Recognition Current Competency Jakarta, 2 Februari 2023 WDA
31 Desember 2023) Jakarta, 2 February 2023
Rudy Samudra (serving as Risk Management Forum Pertamina Jakarta, 16 Maret 2023 Tugu Institute
Corporate Secretary for the Group 2023 Jakarta, 16 March 2023
period of 2 November 2023- tiLearn 042: Implementasi SMAP Online, 8 Juni 2023 Tugu Institute X Compliance
31 December 2023) Dalam Menunjang Kegiatan Online, 8 June 2023
Operasional Perusahaan
tiLearn 042: Implementation of
Anti-bribery Management System to
support the Operational Activities of
the Company
tiLearn 043 : Suretyship Hybrid, 15 Juni 2023 Tugu Institute X Bank & Brokers
Hybrid, 15 June 2023
tiLearn 046 : Perlindungan Data Online, 2 Agustus 2023 Tugu Institute X Legal &
Pribadi di Industri Jasa Keuangan Online, 2 August 2023 Compliance
Setelah Disahkannya UU PDP
tiLearn 046 : Personal Data
Protection in the Financial Services
Industry After the Enactment of the
Personal Data Protection Law
Specific Cargo Underwriting for Dry Jakarta, 8 Agustus 2023 IGNA ASIA
and Bulk Cargoes Jakarta, 8 August 2023
Coaching For Empowering Your Team Jakarta, 30 Agustus 2023 IKIGAI
Jakarta, 30 August 2023
tilearn 047 : Right Service Jakarta, 23 Oktober 2023 Strategic Partnership Group
Experience for The Right Customer Jakarta, 23 October 2023
tilearn 054 : APU, PPT & PPPSPM Online, 12 Desember 2023 Legal & Compliance Group
di Sektor Jasa Keuangan Berbasis Online, 12 December 2023
POJK No. 8 Tahun 2023
tilearn 054 : AML, CFT &
Proliferation of WMD in the
Financial Services Sector Based on
POJK No. 8 of 2023
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Laporan Pelaksanaan Tugas Sekretaris Perusahaan
Report on Implementation of Corporate Secretary Duties
Sekretaris Perusahaan senantiasa menjalankan tugas The Corporate Secretary always carries out duties to
untuk memfasilitasi komunikasi antara organ perusahaan, facilitate communication between company organs,
hubungan antara Perseroan dengan stakeholders, dan relations between the Company and stakeholders, and
kepatuhan terhadap peraturan yang berlaku. Per Desember compliance with applicable regulations. As of December
2023, pelaksanaan tugas Sekretaris Perusahaan antara lain: 2023, the implementation of the duties of the Corporate
Secretary includes:
1. Government, Public Relation & CSR 1. Government, Public Relations & CSR
Melakukan kegiatan komunikasi eksternal perusahaan Conducting external Company communication activities
dan penyebaran informasi perusahaan ke berbagai and disseminating Company information to various
channel media (massa/elektronik/online/digital) serta media channels (mass/electronic/online/digital) as
menjalin hubungan harmonis dengan seluruh pemangku well as establishing harmonious relationships with all
kepentingan dan masyarakat umum. Dalam membangun stakeholders and public. In building good cooperation
kerjasama yang baik dengan pihak eksternal, with external parties, the Government, Public Relations
Government, Public Relation & CSR Department & CSR Department has duties and responsibilities
mempunyai tugas dan tanggung jawab sebagai Media as Media Relations & Engagement to maintain good
Relations & Engagement untuk menjaga hubungan relations between Tugu Insurance and fellow journalists/
baik antara Tugu Insurance dengan rekan jurnalis/ media reporter.
wartawan media.
Sepanjang tahun 2023, Government, Public Relation & Throughout 2023, the Government, Public Relations &
CSR Department telah melakukan serangkaian kegiatan CSR Department has carried out a series of activities in
dalam media relations & engagement di antaranya media relations & engagement, such as gatherings with
kegiatan silahturahmi dengan wartawan media berupa media journalists in the form of online media visits, and
media visit online, media interview serta media courtesy media interviews, as well as conducting media courtesy
& gathering dengan wartawan. & gatherings with journalists.
Government, Public Relation & CSR Department The Government, Public Relations & CSR Department
juga melakukan Media Monitoring & Analysis untuk also performed Media Monitoring & Analysis to
memberikan informasi terkait berbagai pemberitaan provide information related to news in various media
di media baik itu mengenai Tugu Insurance Bisnis publication, either news on Tugu Insurance Business
Grup, Regulasi maupun lingkup hal yang berkaitan Group, regulations or the scope of matters relating to
dengan Perseroan. Media Monitoring juga berperan the Company. Media Monitoring also plays a role in
dalam perhitungan PR Value dan Advertorial Value di determining PR Value and Advertorial Value in published
pemberitaan Tugu Insurance yang terpublikasi. Selain Tugu Insurance news. Moreover, the Government, Public
itu, Government, Public Relation & CSR Department Relations & CSR Department also periodically publishes
secara berkala juga menerbitkan Press Release dan Press Releases and Summary on Financial Reports in
melaksanakan Publikasi Ringkasan Laporan Keuangan accordance with applicable rules and regulations.
sesuai dengan peraturan dan regulasi yang berlaku.
Government, Public Relation & CSR Department juga The Government, Public Relations & CSR Department
telah melaksanakan kewajiban pelaporan kepada has also carried out reporting obligations to the
Regulator (Otoritas Jasa Keuangan dan Bursa Efek Regulator (Financial Services Authority and Indonesian
Indonesia) atas kewajiban pelaporan yang bersifat rutin Stock Exchange) for routine and special (ad hoc)
maupun khusus (ad hoc), serta melakukan entry data reporting obligations, as well as carrying out data
hingga monitoring di sistem aplikasi/website Regulator entry and monitoring on the Regulator's application
yaitu SIPO, SIJINGGA, SIPEDULI dan SPE IDXnet. system/website, namely SIPO, SIJINGGA, SIPEDULI and
SPE IDXnet.
Government, Public Relation & CSR Department The Government, Public Relations & CSR Department has
telah melakukan pelaporan Rencana Aksi Keuangan reported the Sustainable Financial Action Plan (RAKB)
Berkelanjutan (RAKB) untuk periode 2024 serta for the 2024 period and carried out Corporate Social
melaksanakan kegiatan Corporate Social Responsibility Responsibility activities in the Bakti TUGU series which
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dalam rangkaian Bakti TUGU yang terdiri dari 4 (empat) consists of 4 (four) pillars of activities, namely, Bakti for
pilar kegiatan yaitu, Bakti untuk Kesehatan dan Health and Safety, Bakti for the Environment Life, Bakti
Keselamatan, Bakti untuk Lingkungan Hidup, Bakti untuk for education, and Bakti for economic empowerment.
Pendidikan dan Bakti untuk Pemberdayaan Ekonomi.
Pembahasan mengenai kegiatan CSR yang telah The discussion regarding CSR activities that have been
dilakukan selama tahun 2023 dipaparkan secara carried out in 2023 is presented more comprehensively
lebih komprehensif dalam Laporan Keberlanjutan in the Company's 2023 Sustainability Report.
(Sustainability Report) 2023 Perseroan.
2. Investor Relations 2. Investor Relations
Investor Relation Departement merupakan bagian dari The Investor Relations Department is part of the
Corporate Secretary Group yang secara aktif melakukan Corporate Secretary Group which actively holds meetings
pertemuan dengan analis dan korespondensi dengan with analysts and corresponds with investors to provide
investor untuk memberikan informasi terkini perihal the latest information regarding the Company's condition
kondisi dan kinerja Perseroan. and performance.
Sepanjang tahun 2023, Investor Relations telah Throughout 2023, Investor Relations has coordinated
mengkoordinasikan penyelenggaraan Rapat Umum the holding of the 2022 Annual General Meeting
Pemegang Saham Tahunan (RUPST) Tahun Buku 2022 of Shareholders (AGMS) on 28 April 2023, and the
pada tanggal 28 April 2023, dan Public Expose pada Public Expose on 11 December 2023, including
11 Desember 2023 termasuk menyusun Laporan preparing the 2022 Annual Report to obtain approval
Tahunan 2022 untuk mendapatkan persetujuan dari from shareholders.
pemegang saham.
Investor Relations bersama dengan Manajemen Together with Company’s Management, the Investor
Perseroan juga melakukan pertemuan dengan para Relation also held meetings with investors and analysts
investor dan analis dari beberapa perusahaan sekuritas from several securities companies to provide the
guna memberikan informasi terkini kinerja keuangan dan latest information on the Company's financial and
operasional perusahaan. operational performance.
3. BOD Office 3. BOD Office
BOD Office merupakan fungsi yang mengoordinir seluruh The BOD Office is a function that coordinates all
kegiatan Direksi, serta memastikan terpenuhinya activities of the Board of Directors, as well as ensuring
pelaporan serta dokumentasi terkait kewajiban Direksi the fulfillment of reporting and documentation related to
Perseoran sesuai dengan ketentuan dan perundangan the obligations of the Company's Board of Directors, in
yang berlaku. accordance with applicable regulations and laws.
Pada tahun 2023 BOD Office telah melaksanakan In 2023, the BOD Office has done various series of
berbagai rangkaian kegiatan diantaranya adalah activities including Performance Review (for parent
Performance Review (induk) dan Performance Dialogue entity) and Performance Dialogue (for Subsidiaries) to
(Anak Perusahaan) untuk pengendalian terhadap control corporate performance, coordinated the holding
kinerja korporat, pelaksanaan kegiatan retreat Direksi of Directors' retreat to preparing corporate strategic
dalam rangka penyusunan arahan strategi korporat directions, coordinated the holding of Planning Cycle
oleh Manajemen, Pelaksanaan Planning Cycle untuk for the preparation of functions as aderivative of the
penyusunan fungsi yang merupakan turunan dari strategi 2024 corporate strategy that has been set, as well as
korporat 2024 yang telah dibuat, serta koordinasi coordinating the implementation of regular Board of
pelaksanaan Meeting Direksi secara rutin. Directors Meetings.
4. Corporate Communication & Brand 4. Corporate Communication & Brand
Corporate Communication & Brand Departemen Corporate Communication & Brand Department is
merupakan bagian dari Corporate Secretary Group, part of the Corporate Secretary Group, which has the
memiliki tanggung jawab dalam melakukan pengelolaan responsibility for managing the brand through various
merek melalui berbagai aktivitas untuk meningkatkan activities to improve the Company's image both internally
and externally through communication strategies that
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 349
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1 Kilas Kinerja 2 Laporan Manajemen 3 Profil Perusahaan 4 Analisis dan Pembahasan Manajemen
Performance Review Management Report Company Profile Management Discussion and Analysis
citra perusahaan baik secara internal maupun eksternal are in line with the Company's product and service
melalui strategi komunikasi yang sesuai dengan target target segments.
segmen produk dan layanan Perusahaan.
Pada tahun 2023, Corporate Communication & Brand In 2023, the Corporate Communication & Brand
Departemen melakukan berbagai kampanye merek Department has carried out various brand campaigns
ataupun aktivitas promosi melalui kanal media digital or promotional activities through the Company's digital
yang dimiliki perusahaan (Website dan Sosial Media) media channels (Website and Social Media) as well as
maupun kanal media mainstream lainnya serta aktivasi other mainstream media channels and offline external
offline kepada eksternal untuk meningkatkan tingkat activations to increase the Company's brand and
kesadaran merek perusahaan dan produk. products awareness.
Selain itu, Corporate Communication & Brand Futhermore, the Corporate Communication & Brand
Departemen juga terus memberikan support kepada Departement also continues to support the Company's
fungsi internal perusahaan dalam penyediaan internal functions in providing the Marketing Kits/
Marketing Kit/Promotional Tools yang dibutuhkan, serta Promotional Tools, as well as collaborating with related
berkolaborasi dengan fungsi terkait atas berjalannya functions to run the campaigns in the Company
kampanye di perusahaan terkait internalisasi Core Value to internalize AKHLAK as the Core Value of SOEs’
BUMN dan Pertamina yaitu AKHLAK. and Pertamina.
Melanjutkan transformasi merek yang dilakukan 2018 Continuing the brand transformation that has been
silam, di tahun ini Corporate Communication & Brand carried out since 2018, this year, the Corporate
Departemen kembali melakukan research terkait Communication & Brand Department returned to conduct
Customer Satisfaction & Loyalty Index kepada masyarakat another research regarding the Customer Satisfaction &
umum, existing customer serta business partners, dengan Loyalty Index for the general public, existing customers
hasil skor Customer Satisfaction Index & Loyalty Index and business partners, with the Customer Satisfaction
sebesar 4,28. Sedangkan NPS (Net Promoter Score) Index & Loyalty Index score of 4.28. Meanwhile, the NPS
berhasil didapatkan di angka 58,4% atau 4,59 dari skala (Net Promoter Score) was recorded at 58.4% or 4.59 on
5,00. a scale of 5.00.
Strategi Komunikasi Perusahaan 2024 akan mulai The 2024 Corporate Communication Strategy will begin
diselaraskan dengan hasil riset lainnya demi mencapai to be aligned with other research results in order to
Visi Perusahaan menjadi Asuransi umum nomor satu di achieve the Company's Vision to become the number
Indonesia, yang dapat memberikan inovasi produk terbaik one general insurance in Indonesia, that provide the best
serta layanan prima untuk lebih baik. product innovation and excellent service for the better.
Dalam menjalankan kegiatan membangun hubungan In carrying out activities to build relationships with
dengan Regulator dan memenuhi kewajiban penyampaian Regulators and fulfill the obligation to submit information
informasi kepada Regulator, Sekretaris Perusahaan to Regulators, the Corporate Secretary has submitted
telah menyampaikan korespondensi kepada OJK dan BEI correspondence to the OJK and IDX throughout 2023,
sepanjang tahun 2023, antara lain sebagai berikut: including the following:
Nomor Surat Tanggal Kepada Perihal
No.
Letter Number Date To Regarding
1 001/S/01/COS-ATPI/I/2023 2 Januari 2023 OJK Laporan Hutang Valas Periode Desember 2022.
2 January 2023 Financial Service Forex Debt Report for December 2022 Period.
Authority
2 002/S/01/COS-ATPI/I/2023 5 Januari 2023 BEI Laporan Bulanan Kegiatan Registrasi PT Asuransi Tugu
5 January 2023 Indonesian Stock Pratama Indonesia Tbk.
Exchange Monthly Report on Registration Activities of PT Asuransi Tugu
Pratama Indonesia Tbk.
3 006/S/01/COS-ATPI/II/2023 3 Februari 2023 OJK Laporan Bulanan Hutang Valas Periode Januari 2023.
3 February 2023 Financial Service Forex Debt Report for January 2023 Period.
Authority
350 LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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5 Tata Kelola Perusahaan 6 Tanggung Jawab Sosial Perusahaan 7 Laporan Keuangan
Corporate Governance Corporate Social Responsibility Audited Report
Nomor Surat Tanggal Kepada Perihal
No.
Letter Number Date To Regarding
4 007/S/01/COS-ATPI/II/2023 6 Februari 2023 BEI Laporan Bulanan Kegiatan Registrasi PT Asuransi Tugu
6 February 2023 Indonesian Stock Pratama Indonesia Tbk.
Exchange Monthly Report on Registration Activities of PT Asuransi Tugu
Pratama Indonesia Tbk.
5 009/S/01/COS-ATPI/II/2023 8 Februari 2023 IDX Laporan Perubahan Kepemilikan Saham.
8 February 2023 Indonesia Stock Report on Changes in Share Ownership.
Exchange
6 011/S/01/COS-ATPI/II/2023 6 Februari 2023 OJK Keterbukaan Informasi Poin-poin Putusan Pengadilan.
6 February 2023 Financial Service Information Disclosure Points of Court Verdict.
Authority
7 014/S/01/COS-ATPI/III/2023 6 Maret 2023 BEI Laporan Bulanan Kegiatan Registrasi PT Asuransi Tugu
6 March 2023 Indonesian Stock Pratama Indonesia Tbk.
Exchange Monthly Report on Registration Activities of PT Asuransi Tugu
Pratama Indonesia Tbk.
8 016/S/01/COS-ATPI/III/2023 6 Maret 2023 BEI Laporan Hutang Valas Periode Februari 2023.
6 March 2023 Indonesian Stock Forex Debt Report for February 2023 Period.
Exchange
9 017/S/01/COS-ATPI/III/2023 7 Maret 2023 OJK Pemberitahuan Pelaksanaan Rapat Umum Pemegang
7 March 2023 Financial Service Saham Tahunan PT Asuransi Tugu Pratama Indonesia Tbk
Authority (”Perseroan”).
Notification of the Annual General Meeting of Shareholders of
PT Asuransi Tugu Pratama Indonesia Tbk ("the Company").
10 018/S/01/COS-ATPI/III/2023 13 Maret 2023 OJK Penyampaian Keterbukaan Informasi Rencana Pemecahan
13 March 2023 Financial Service Saham PT Asuransi Tugu Pratama Indonesia Tbk
Authority (”Perseroan”).
Submission of Information Disclosure on Share Split Plan of
PT Asuransi Tugu Pratama Indonesia Tbk ("Company").
11 019/S/01/COS-ATPI/III/2023 14 Maret 2023 OJK Pemberitahuan Tambahan Mata Acara Rapat Umum Pemegang
14 March 2023 Financial Service Saham Tahunan PT Asuransi Tugu Pratama Indonesia Tbk
Authority (”Perseroan”).
Notice of Additional Agenda for the Annual General Meeting of
Shareholders of PT Asuransi Tugu Pratama Indonesia Tbk ("the
Company").
12 020/S/01/COS-ATPI/III/2023 14 Maret 2023 OJK Penyampaian Pengumuman Rapat Umum Pemegang
14 March 2023 Financial Service Saham Tahunan PT Asuransi Tugu Pratama Indonesia Tbk
Authority (”Perseroan”).
Submission of the Announcement of the Annual General
Meeting of Shareholders of PT Asuransi Tugu Pratama
Indonesia Tbk ("the Company").
13 021/S/01/COS-ATPI/III/2023 15 Maret 2023 OJK Penyampaian Keterbukaan Informasi Rencana Pemecahan
15 March 2023 Financial Service Saham PT Asuransi Tugu Pratama Indonesia Tbk
Authority (”Perseroan”).
Submission of Information Disclosure on Stock Split Plan of
PT Asuransi Tugu Pratama Indonesia Tbk ("Company").
14 022/S/01/COS-ATPI/III/2023 15 Maret 2023 BEI Penyampaian Bukti Iklan Pengumuman Rapat Umum
15 March 2023 Indonesian Stock Pemegang Saham Tahunan PT Asuransi Tugu Pratama
Exchange Indonesia Tbk (“Perseroan”).
Submission of Proof of Advertisement Announcement of the
Annual General Meeting of Shareholders of PT Asuransi Tugu
Pratama Indonesia Tbk ("Company").
15 026/S/01/COS-ATPI/III/2023 29 Maret 2023 OJK Penyampaian Perubahan Tanggal Rapat Umum Pemegang
29 March 2023 Financial Service Saham Tahunan PT Asuransi Tugu Pratama Indonesia Tbk
Authority (Perseroan).
Submission of Changes to the Date of the Annual General
Meeting of Shareholders of PT Asuransi Tugu Pratama
Indonesia Tbk (Company).
16 030/S/01/COS-ATPI/III/2023 30 Maret 2023 OJK Penyampaian Bukti Iklan Laporan Keuangan.
30 March 2023 Financial Service Submission of Evidence of Financial Report Advertisements.
Authority
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 351
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Performance Review Management Report Company Profile Management Discussion and Analysis
Nomor Surat Tanggal Kepada Perihal
No.
Letter Number Date To Regarding
17 031/S/01/COS-ATPI/III/2023 31 Maret 2023 OJK Laporan tingkat manfaat.
31 March 2023 Financial Service Benefit rate report.
Authority
18 032/S/01/COS-ATPI/IV/2023 3 April 2023 OJK Laporan tingkat manfaat.
Financial Service Benefit rate report.
Authority
19 037/S/01/COS-ATPI/IV/2023 4 April 2023 BEI Laporan Bulanan Kegiatan Registrasi PT Asuransi Tugu
Indonesian Stock Pratama Indonesia Tbk.
Exchange Monthly Report on Registration Activities of PT Asuransi Tugu
Pratama Indonesia Tbk.
20 039/S/01/COS-ATPI/IV/2023 5 April 2023 OJK Penyampaian Pemanggilan Rapat Umum Pemegang Saham
Financial Service Tahunan PT Asuransi Tugu Pratama Indonesia Tbk (Perseroan).
Authority Submission of Invitation to the Annual General Meeting of
Shareholders of PT Asuransi Tugu Pratama Indonesia Tbk
(Company).
21 040/S/01/COS-ATPI/IV/2023 5 April 2023 OJK Penyampaian Laporan Tahunan (Annual Report) Tahun Buku
Financial Service 2022 PT Asuransi Tugu Pratama Indonesia Tbk (TUGU).
Authority Submission of the Annual Report for the 2022 Fiscal Year of
PT Asuransi Tugu Pratama Indonesia Tbk (TUGU).
22 041/S/01/COS-ATPI/IV/2023 5 April 2023 OJK Penyampaian Bukti Iklan Pemanggilan Rapat Umum Pemegang
Financial Service Saham Tahunan PT Asuransi Tugu Pratama Indonesia Tbk
Authority (“Perseroan”).
Submission of Proof of Advertisement of Invitation to the
Annual General Meeting of Shareholders of PT Asuransi Tugu
Pratama Indonesia Tbk ("Company").
23 042/S/01/COS-ATPI/IV/2023 5 April 2023 OJK Penyampaian Laporan Keberlanjutan (Sustainability Report)
Financial Service Tahun Buku 2022.
Authority Submission of Sustainability Report for Fiscal Year 2022.
24 043/S/01/COS-ATPI/IV/2023 5 April 2023 OJK Pengawasan Penyampaian Laporan Keberlanjutan (Sustainability Report)
Asuransi Tahun Buku 2022.
OJK Insurance Submission of Sustainability Report for Fiscal Year 2022.
Supervision
25 044/S/01/COS-ATPI/IV/2023 6 April 2023 OJK IKNB Penyampaian Laporan Tahunan Tahun Buku 2022.
Submission of Annual Report for Fiscal Year 2022.
26 046/S/01/COS-ATPI/IV/2023 27 April 2023 OJK IKNB Penyampaian Informasi dan Bukti Publikasi Iklan Laporan
Keuangan Tahunan Own Operation (Konvensional & Syariah)
PT Asuransi Tugu Pratama Indonesia Tbk per 31 Desember
2020 (Audited) Tahunan.
Submission of Information and Proof of Publication of
Advertisements of PT Asuransi Tugu Pratama Indonesia Tbk's
Own Operation (Conventional & Sharia) Annual Financial
Statement as of 31 December 2020 (Audited).
27 047/S/01/COS-ATPI/IV/2023 27 April 2023 OJK Penyampaian Informasi dan Bukti Publikasi Iklan Laporan
Financial Service Keuangan Tahunan Own Operation (Konvensional & Syariah) PT
Authority Asuransi Tugu Pratama Indonesia Tbk per 31 Desember 2020
(Audited) Tahunan.
Submission of Information and Proof of Publication of
Advertisements of PT Asuransi Tugu Pratama Indonesia Tbk's
Own Operation (Conventional & Sharia) Annual Financial
Statement as of 31 December 2020 (Audited).
28 49/S/01/COS-ATPI/V/2023 2 Mei 2023 OJK Keterbukaan Informasi Perubahan Susunan Dewan Pengawas
2 May 2023 Financial Service Syariah.
Authority Disclosure of Information on Changes in the Composition of
the Sharia Supervisory Board.
29 051/S/01/COS-ATPI/V/2024 2 Mei 2023 OJK Laporan Hutang Valas Periode April 2023.
2 May 2023 Financial Service Forex Debt Report for April 2023 Period.
Authority
352 LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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5 Tata Kelola Perusahaan 6 Tanggung Jawab Sosial Perusahaan 7 Laporan Keuangan
Corporate Governance Corporate Social Responsibility Audited Report
Nomor Surat Tanggal Kepada Perihal
No.
Letter Number Date To Regarding
30 052/S/01/COS-ATPI/V/2023 3 Mei 2023 OJK Penyampaian Risalah Rapat Umum Pemegang Saham
3 May 2023 Financial Service Tahunan.
Authority Submission of Minutes of Annual General Meeting of
Shareholders.
31 053/S/01/COS-ATPI/V/2023 3 Mei 2023 OJK Penyampaian Tata Cara dan Pembagian Dividen Tunai.
3 May 2023 Financial Service Submission of Procedures and Distribution of Cash Dividends.
Authority
32 055/S/01/COS-ATPI/V/2023 4 Mei 2023 OJK Penyampaian Bukti Publikasi Ringkasan Risalah Rapat Umum
4 May 2023 Financial Service Pemegang Saham Tahunan.
Authority Submission of Proof of Publication of Summary of Minutes of
Annual General Meeting of Shareholders.
33 056/S/01/COS-ATPI/V/2023 4 Mei 2023 BEI Laporan Bulanan Kegiatan Registrasi PT Asuransi Tugu
4 May 2023 Indonesian Stock Pratama Indonesia Tbk.
Exchange Monthly Report on Registration Activities of PT Asuransi Tugu
Pratama Indonesia Tbk.
34 058/S/01/COS-ATPI/V/2023 10 Mei 2023 OJK Keterbukaan Informasi Perubahaan Anggaran Dasar
10 May 2023 Financial Service Perseroan.
Authority Disclosure of Information on Changes to the Company's
Articles of Association.
35 059/S/01/COS-ATPI/V/2023 9 Mei 2023 OJK Penyampaian Berita Acara Rapat Umum Pemegang Saham
9 May 2023 Financial Service Tahunan.
Authority Submission of Minutes of the Annual General Meeting of
Shareholders.
36 060/S/01/COS-ATPI/V/2023 17 Mei 2023 OJK Keterbukaan Informasi Pelaksaan Aksi Korporasi Stock Split.
17 May 2023 Financial Service Disclosure of Information on the Implementation of Stock Split
Authority Corporate Actions.
37 061/S/01/COS-ATPI/V/2023 16 Mei 2023 KSEI Instruksi Pendistribusian Dividen Tunai tahun buku 2022.
16 May 2023 Cash Dividend Distribution Instructions for the 2022 Fiscal
Year.
38 062/S/01/COS-ATPI/V/2023 17 Mei 2023 KSEI Informasi nomor rekening PT Asuransi Tugu Pratama Indonesia
17 May 2023 Tbk.
PT Asuransi Tugu Pratama Indonesia Tbk account number
information.
39 063/S/01/COS-ATPI/VI/2023 5 Juni 2023 BEI Laporan Bulanan Kegiatan Registrasi PT Asuransi Tugu
5 June 2023 Indonesian Stock Pratama Indonesia Tbk.
Exchange Monthly Report on Registration Activities of PT Asuransi Tugu
Pratama Indonesia Tbk.
40 065/S/01/COS-ATPI/VI/2023 5 Juni 2023 OJK Keterbukaan Informasi Perubahan Kepemilikan Saham Direksi.
5 June 2023 Financial Service Disclosure of Information on Changes in Directors' Share
Authority Ownership.
41 066/S/01/COS-ATPI/VI/2023 6 Juni 2023 OJK Laporan Hutang Valas Periode Mei 2023.
6 June 2023 Financial Service Forex Report for May 2023 Period.
Authority
42 067/S/01/COS-ATPI/VII/2023 3 Juli 2023 OJK Tanggapan atas Penelaahan Laporan Keuangan Tahunan
3 July 2023 Financial Service 2022.
Authority Responses to the Review of the 2022 Annual Financial
Report.
43 068/S/01/COS-ATPI/VII/2023 5 Juli 2023 BEI Laporan Bulanan Kegiatan Registrasi Efek PT Asuransi Tugu
5 July 2023 Indonesian Stock Pratama Indonesia Tbk.
Exchange Monthly Report on Securities Registration Activities of PT
Asuransi Tugu Pratama Indonesia Tbk.
44 070/S/01/COS-ATPI/VII/2023 6 Juli 2023 OJK Laporan Hutang Valas Periode Juni 2023.
6 July 2023 Financial Service Forex Report for June 2023 Period.
Authority
45 072/S/01/COS-ATPI/VII/2023 28 Juli 2023 OJK Penyampaian Bukti Pengumuman Laporan Keuangan Tengah
28 July 2023 Financial Service Tahun.
Authority Submission of Proof of Announcement of Mid-Year Financial
Statement.
PT Asuransi Tugu Pratama Indonesia Tbk ANNUAL REPORT 2023 353
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1 Kilas Kinerja 2 Laporan Manajemen 3 Profil Perusahaan 4 Analisis dan Pembahasan Manajemen
Performance Review Management Report Company Profile Management Discussion and Analysis
Nomor Surat Tanggal Kepada Perihal
No.
Letter Number Date To Regarding
46 074/S/01/COS-ATPI/ 4 Agustus 2023 BEI Laporan Bulanan Kegiatan Registrasi Efek PT Asuransi Tugu
VIII/2023 4 August 2023 Indonesian Stock Pratama Indonesia Tbk.
Exchange Monthly Report on Securities Registration Activities of PT
Asuransi Tugu Pratama Indonesia Tbk.
47 077/S/01/COS-ATPI/IX/2023 4 September 2023 OJK Laporan Hutang Valas Periode Agustus 2023.
Financial Service Forex Report for August 2023 Period.
Authority
48 078/S/01/COS-ATPI/IX/2023 5 September 2023 BEI Laporan Bulanan Kegiatan Registrasi Efek PT Asuransi Tugu
Indonesian Stock Pratama Indonesia Tbk.
Exchange Monthly Report on Securities Registration Activities of PT
Asuransi Tugu Pratama Indonesia Tbk.
49 080/S/01/COS-ATPI/X/2023 2 Oktober 2023 BEI Tanggapan atas Permintaan Penjelasan Bursa No. S-08251/
2 October 2023 Indonesian Stock BEI.PP3/09-2023.
Exchange Response to Exchange Request for Explanation No. S-08251/
BEI.PP3/09-2023.
50 081/S/01/COS-ATPI/X/2023 5 Oktober 2023 BEI Laporan Bulanan Kegiatan Registrasi Efek PT Asuransi Tugu
5 October 2023 Indonesian Stock Pratama Indonesia Tbk - Periode September 2023.
Exchange Monthly Report on Securities Registration Activities of PT
Asuransi Tugu Pratama Indonesia Tbk. – September 2023
Period
51 083/S/01/COS-ATPI/X/2023 5 Oktober 2023 OJK Laporan Hutang Valas Periode September 2023.
5 October 2023 Financial Service Forex Debt Report for September 2023 Period.
Authority
52 084/S/01/COS-ATPI/X/2024 17 Oktober 2023 BEI Tanggapan atas Permintaan Penjelasan Bursa No. S-08803/
17 October 2023 Indonesian Stock BEI.PP3/10-2023.
Exchange Response to Exchange Request for Explanation No. S-08803/
BEI.PP3/10-2023.
53 086/S/01/COS-ATPI/X/2023 26 Oktober 2023 OJK Penyampaian Laporan Keuangan Konsolidasian per 30
26 October 2023 Financial Service September 2023.
Authority Submission of Consolidated Financial Statement as of 30
September 2023.
54 090/S/01/COS-ATPI/XI/2023 6 November 2023 BEI Laporan Bulanan Kegiatan Registrasi Efek PT Asuransi Tugu
Indonesian Stock Pratama Indonesia Tbk.
Exchange Monthly Report on Securities Registration Activities of PT
Asuransi Tugu Pratama Indonesia Tbk.
55 092/S/01/COS-ATPI/XI/2023 6 November 2023 OJK Keterbukaan Informasi Penunjukan Bpk. Sudarlin sebagai
Financial Service Direktur Teknik PT Asuransi Tugu Pratama Tbk.
Authority Disclosure of Information on the Appointment of Mr. Sudarlin
as Director of Technic of PT Asuransi Tugu Pratama Tbk.
56 093/S/01/COS-ATPI/XI/2023 15 November 2023 OJK Keterbukaan Informasi Perubahan Kepemilikan Saham Direksi
Financial Service Disclosure of Information on Changes in Directors' Share
Authority Ownership.
57 095/S/01/COS-ATPI/XI/2023 20 November 2023 OJK Keterbukaan Informasi Perubahan Kepemilikan Saham Direksi
Financial Service Disclosure of Information on Changes in Directors' Share
Authority Ownership.
58 096/S/01/COS-ATPI/XI/2023 27 November 2023 BEI Pemberitahuan Rencana Public Expose 2023.
Indonesian Stock Notification of 2023 Public Expose Plans.
Exchange
59 097/S/01/COS-ATPI/XI/2023 28 November 2023 BEI Pemberitahuan Jadwal Pelaksanaan Pembayaran Dividen
Indonesian Stock Interim 2023.
Exchange Notification of the 2023 Interim Dividend Payment
Implementation Schedule.
60 098/S/01/COS-ATPI/XI/2023 28 November 2023 OJK Laporan Informasi atau Fakta Material Pembagian Dividen
Financial Service Interim 2023.
Authority Report on Information or Material Facts for the 2023 Interim
Dividend Distribution.
61 100/S/01/COS-ATPI/XII/2023 4 Desember 2023 OJK Laporan Hutang Valas Periode November 2023.
4 December 2023 Financial Service Forex Debt Report for November 2023 Period.
Authority
354 LAPORAN TAHUNAN 2023 PT Asuransi Tugu Pratama Indonesia Tbk
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5 Tata Kelola Perusahaan 6 Tanggung Jawab Sosial Perusahaan 7 Laporan Keuangan
Corporate Governance Corporate Social Responsibility Audited Report
Nomor Surat Tanggal Kepada Perihal
No.
Letter Number Date To Regarding
62 101/S/01/COS-ATPI/XII/2023 5 Desember 2023 BEI Laporan Bulanan Kegiatan Registrasi Efek PT Asuransi Tugu
5 December 2023 Indonesian Stock Pratama Indonesia Tbk.
Exchange Monthly Report on Securities Registration Activities of PT
Asuransi Tugu Pratama Indonesia Tbk.
63 104/S/01/COS-ATPI/XII/2023 6 Desember 2023 BEI Penyampaian Materi Public Expose 2023.
6 December 2023 Indonesian Stock Submission of Public Expose Material 2023.
Exchange
64 105/S/01/COS-ATPI/XII/2023 7 Desember 2023 OJK Keterbukaan Informasi Penunjukan Bpk. Samuel Ramna
7 December 2023 Financial Service Sebagai Komisaris PT Asuransi Tugu Pratama Tbk.
Authority Disclosure of Information on the Appointment of Mr. Samuel
Ramna as Commissioner of PT Asuransi Tugu Pratama Tbk.
65 106/S/01/COS-ATPI/XII/2023 13 Desember 2023 BEI Penyampaian Hasil Public Expose 2023.
13 December 2023 Indonesian Stock Submission of 2023 Public Expose Results.
Exchange
66 107/S/01/COS-ATPI/XII/2023 28 Desember 2023 OJK Keterbukaan Informasi Perubahan Kepemilikan Saham Direksi.
28 December 2023 Financial Service Disclosure of Information on Changes in Directors' Share
Authority Ownership.
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5.E.
Audit Internal
Internal Audit
Sesuai Peraturan Otoritas Jasa Keuangan No. 56/ Pursuant to the Financial Services Authority Regulation
POJK.04/2015 tentang Pembentukan dan Pedoman No. 56/POJK.04/2015 on the Formation and Drafting of
Penyusunan Piagam Unit Audit Internal, Tugu Insurance the Internal Audit Charter, Tugu Insurance has formed the
telah membentuk Internal Audit Group sebagai bagian dari Internal Audit Group as part of internal control, which in
pengendalian internal yang secara garis besar bertujuan general aims to help the Company achieve its goals.
membantu Perseroan mencapai tujuannya.
Internal Audit Group bertugas memberikan keyakinan The Internal Audit Group is assigned to provide assurance
(assurance) dan konsultasi yang bersifat independen and consulting that is independent and objective to
dan objektif dalam rangka memberikan nilai tambah bagi provide added value to the Company, through a systematic
Perseroan, melalui pendekatan yang sistematis untuk approach to evaluate and improve the effectiveness of risk
mengevaluasi dan meningkatkan efektivitas manajemen management, internal control, and corporate governance
risiko, pengendalian internal, dan proses tata kelola processes. The Internal Audit also acts as a strategic
perusahaan. Internal Audit juga berperan sebagai partner partner in providing strategic input to management. In
strategis dalam memberikan masukan strategis kepada transforming the role as a strategic partner, auditors are
manajemen. Dalam transformasi peran sebagai partner required to be able to understand risk management and
strategis ini, auditor dituntut untuk dapat memahami company business processes in an integrated manner (end-
pengelolaan risiko dan proses bisnis perusahaan secara to-end business process).
terintegrasi (end-to-end business process).
Struktur Organisasi dan Kedudukan Internal Audit Group
Organizational Structure and Position of Internal Audit Group
Informasi mengenai kedudukan Internal Audit Group di Tugu Information regarding the position of the Internal Audit Group
Insurance adalah sebagai berikut: at Tugu Insurance is as follows:
1. Internal Audit Group secara struktural dikepalai 1. The Internal Audit Group is structurally headed by
oleh Internal Audit Group Head yang ditunjuk dan the Internal Audit Group Head who is appointed and
diberhentikan secara langsung oleh Presiden Direktur dismissed directly by the President Director upon the
setelah disetujui oleh Dewan Komisaris; Board of Commissioners’ consent;
2. Presiden Direktur dapat memberhentikan Internal 2. The President Director may dismiss the Internal Audit
Audit Group Head, setelah mendapat persetujuan Group Head upon the Board of Commissioners’ consent,
Dewan Komisaris, jika Internal Audit Group Head if the Internal Audit Group Head does not meet the
tidak memenuhi persyaratan sebagai Auditor Internal requirements as an Internal Auditor stipulated in
sebagaimana diatur dalam Peraturan Otoritas Jasa the Financial Services Authority Regulation No. 56/
Keuangan No. 56/POJK.04/2015 dan/atau gagal atau POJK.04/2015 and/or failing or not being able to carry
tidak cakap menjalankan tugas; out his/her duties;
3. Internal Audit Group Head bertanggung jawab secara 3. The Internal Audit Group Head is fully and directly
penuh dan langsung kepada Presiden Direktur; responsible to the President Director;
4. Anggota Internal Audit Group bertanggung jawab secara 4. Members of the Internal Audit Group report directly to the
langsung kepada Internal Audit Group Head. Internal Audit Group Head.
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Adapun struktur organisasi Internal Audit Group adalah Organizational structure of Internal Audit Group is as follows:
sebagai berikut: Organizational structure of Internal Audit Group is as follows:
Presiden Direktur
President Director
Internal Audit Group Head
Anggota
Members
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 Director No. 016/
HCS-RTM/ATPI/II/2022 tanggal 10 Februari 2022, Resti SKD/01/HCS-RTM/ATPI/II/2022 dated 10 February
Setia Utari menjabat sebagai Internal Audit Group Head yang 2022, Resti Setia Utari serves as Internal Audit Group
efektif menjabat sejak 16 Februari 2022. Pengangkatan Head, effective since 16 February 2022. The appointment
Internal Audit Group Head telah disampaikan kepada of Internal Audit Group Head has been conveyed to the
Otoritas Jasa Keuangan melalui Surat Keputusan Direksi Financial Services Authority via Decree of the Board of
No. 016/SKD/01/HCS-RTM/ATPI/II/2022 tanggal 10 Directors No. 016/SKD/01/HCS-RTM/ATPI/II/2022 dated
Februari 2022. 10 February 2022.
Resti Setia Utari
Internal Audit Group Head
Periode Jabatan | Period
Sejak 16 Februari 2022–sekarang | Since february 2022–present
Kewarganegaraan Indonesia
Citizenship Indonesian
Tempat, Tanggal Lahir Jakarta, 1 Maret 1972
Date and Place of Birth Jakarta, 1 March 1972
Usia 52 tahun
Age 52 years old
Domisili Bekasi, Jawa Barat
Domicile Bekasi, West Java
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Riwayat Penunjukan Menjabat sebagai Internal Audit Group Head Served as Group Head Internal Audit based on
Appointment History berdasarkan Surat Keputusan Direksi No. 016/ Decree of the Board of Directors No. 016/SKD/01/
SKD/01/HCS-RTM/ATPI/II/2022 tanggal 10 Februari HCS-RTM/ATPI/II/2022 dated 10 February 2022.
2022.
Pendidikan Magister Management, Universitas Negeri Jakarta Master of Management from Universitas Negeri
Education (2022). Jakarta (2022).
Riwayat Pekerjaan • Group Head Internal Audit di Perseroan, sebagai • Group Head of Internal Audit at the Company, as
Work Experience tenaga perbantuan dari PT Pertamina (Persero) the assistant staff from PT Pertamina (Persero)
(2022-sekarang). (2022-present).
• Senior Auditor III Investigation Audit di PT • Senior Auditor III Investigation Audit at PT
Pertamina (Persero) (2021-2022). Pertamina (Persero) (2021-2022).
• Finance & Business Support Internal Audit • Finance & Business Support Internal Audit
Manager di PT Pertamina Drilling Services Manager at PT Pertamina Drilling Services
Indonesia, sebagai tenaga perbantuan dari PT Indonesia, as the assistant staff from PT
Pertamina (Persero) (2015-2020). Pertamina (Persero) (2015-2020).
• Auditor di PT Pertamina (Persero) (2011-2015). • Auditor at PT Pertamina (Persero) (2011-2015).
• Auditor at Osman Bing Satrio & Rekan Public • Auditor at Osman Bing Satrio & Rekan Public
Accountant (Deloitte Touche Tohmatsu) (1997- Accountant (Deloitte Touche Tohmatsu) (1997-
2011). 2011).
Rangkap Jabatan Tidak memiliki rangkap jabatan di Tugu Insurance Do not hold concurrent positions at Tugu Insurance or
Concurrent Position maupun perusahaan/lembaga lain. other companies/institutions.
Tugas dan Tanggung Jawab Internal Audit Group
Internal Audit Group Duties and Responsibilities
Internal Audit Group mengemban tugas dan tanggung jawab The Internal Audit Group has duties and responsibilities
sebagai berikut: as follows:
1. Menyusun dan melaksanakan rencana audit internal 1. Prepare and implement an annual internal audit plan;
tahunan; 2. Evaluate the implementation of internal control
2. Mengevaluasi pelaksanaan pengendalian internal dan and management systems in accordance with the
sistem manajemen sesuai dengan kebijakan Perseroan; Company’s policies;
3. Memberikan saran perbaikan dan informasi yang objektif 3. Provide suggestions for improvements and objective
atas kegiatan yang diperiksa pada semua tingkat information about the activities examined at all levels of
manajemen; the management;
4. Mempersiapkan dan menyampaikan laporan hasil audit 4. Prepare and submit the audit report to the President
kepada Presiden Direktur dan Dewan Komisaris melalui Director and the Board of Commissioners through the
Komite Audit; Audit Committee;
5. Memantau, menganalisis dan melaporkan pelaksanaan 5. Monitor, analyze and report the implementation of
tindak lanjut secara berkala; suggested improvements periodically;
6. Memantau pelaksanaan audit internal di anak 6. Monitor the implementation of internal audits in
perusahaan dalam rangka mewujudkan audit subsidiaries to realize an integrated internal audit;
internal terintegrasi; 7. Prepare and submit the Annual Activity Report of the
7. Menyusun dan menyampaikan Laporan Kegiatan Tahunan Internal Audit Function;
Fungsi Internal Audit; 8. Coordinate with the Audit Committee;
8. Melaksanakan koordinasi dengan Komite Audit; 9. Coordinate with the Risk Management Unit and the
9. Melaksanakan koordinasi dengan Satuan Kerja Compliance Unit, particularly in the implementation of an
Manajemen Risiko dan Satuan Kerja Kepatuhan, internal control system based on three lines of defense;
khususnya dalam hal penerapan sistem pengendalian 10. Conduct special audits if necessary.
internal berbasis pertahanan tiga lapis (three line of
defense);
10. Melakukan pemeriksaan khusus apabila diperlukan.
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Piagam Internal Audit
Internal Audit Charter
Dalam menjalankan tugas dan tanggung jawabnya, Internal The Internal Audit Group in conducting its duties and
Audit Group berpedoman pada Piagam Audit Internal yang responsibilities is based on the Internal Audit Charter, which
pertama kali disahkan oleh Direksi pada 18 Desember 2007 was first approved by the Board of Directors on 18 December
dan dimutakhirkan pada tanggal 7 November 2022. Piagam 2007 and updated on 7 November 2022. The Internal Audit
Audit Internal merupakan tata kerja bagi Internal Audit Group Charter is a work procedure for the Internal Audit Group
dalam melaksanakan kegiatan audit dan konsultasi dalam in carrying audit and consulting activities in exercising
pelaksanaan Sistem Pengendalian Internal sebagai bagian the Internal Control System as part of Good Corporate
dari implementasi Tata Kelola Perusahaan yang Baik. Piagam Governance implementation. The Internal Audit Charter
Audit Internal antara lain memuat tentang struktur dan includes, among others, the structure and position, duties
kedudukan, tugas dan tanggung jawab, persyaratan dan kode and responsibilities, requirements and code of conduct
etik Auditor Internal, pertanggungjawaban, dan wewenang of the Internal Auditor, accountability, and authority of the
Internal Audit Group. Internal Audit Group.
Perangkat-Perangkat Kerja Internal Audit
Internal Audit Work Tools
Selain Piagam Audit Internal, Internal Audit Group juga In addition to the Internal Audit Charter, the Internal Audit
memiliki perangkat-perangkat kerja berikut: Group also has the following work tools:
• Kode Etik Audit Internal; • Internal Audit Code of Conduct;
• Pedoman Umum Pemeriksaan; • General Audit Guidelines;
• Pedoman Pemeriksaan Khusus; • Special Audit Guidelines;
• International Professional Practices Framework (IPPF) yang • International Professional Practices Framework (IPPF)
diterbitkan oleh the Institute of Internal Auditors; issued by the Institute of Internal Auditors;
• Sertifikasi Profesi. • Professional Certification.
Jumlah SDM dan Sertifikasi Internal Audit Group
Human Resources and Certifications of Internal Audit Group
Per 31 Desember 2023, jumlah posisi dalam Internal Audit As of 31 December 2023, the human resources of the
Group terdiri dari 7 orang dengan komposisi sebagai berikut: Internal Audit Group consists of 7 persons with the
following composition:
Pangkat Jumlah
No.
Position Total
1. Group Head 1
2. Department Head 1
3. Officers 3
4. Staff 2
Total 7
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Adapun kualifikasi atau sertifikasi dari anggota Internal Audit The following are the qualifications or certifications held by
Group, antara lain: the Internal Audit Group’s human resources:
1. QIA (Qualified Internal Auditor); 1. QIA (Qualified Internal Auditor);
2. CRMP (Certified Risk Management Professional); 2. CRMP (Certified Risk Management Professional);
3. CACP (Certification in Audit Committee Practices); 3. CACP (Certification in Audit Committee Practices);
4. QCRO (Qualified Chief Risk Officer); 4. QCRO (Qualified Chief Risk Officer);
5. CRP (Certified Risk Professional); 5. CRP (Certified Risk Professional);
6. AAIK (Ahli Asuransi Indonesia Kerugian); 6. AAIK (Indonesia General Insurance Expert);
7. AAAIK (Ajun Ahli Asuransi Indonesia Kerugian). 7. AAAIK (Indonesian Insurance Expert Adjunct in the
General Insurance Sector).
Pelatihan Internal Audit Grup
Internal Audit Group Training
Perseroan memberikan kesempatan dan dukungan dana The Company provides opportunities and financial support
bagi para anggota Internal Audit Group untuk meningkatkan for members of the Internal Audit Group to improve their
kemampuan dengan mengikuti berbagai pelatihan/ capabilities by attending various training/education programs
pendidikan yang diselenggarakan oleh pihak eksternal. organized by external parties. The following are the number
Berikut ini adalah jumlah peserta dan jenis pelatihan yang of participants and training attended by members of the
diikuti oleh anggota Internal Audit Group, di antaranya: Internal Audit Group:
Judul Training Tanggal Tempat
No
Training Date Venue
1. Peningkatan Pemahaman Anti Pencucian Uang di Sektor 22-23 Juni 2023 Solo
Korporasi 22-23 June 2023
Enhanced Understanding of Anti-Money Laundering in the
Corporate Sector
2. IIA Indonesia National Conference 30-31 Agustus 2023 Batam
30-31 August 2023
3. CIA Review 30 September 2023-27 Januari 2024 Online
30 September 2023-27 January 2024
4. Seminar Nasional Internal Audit 6-7 Desember 2023 Online
Trusted Advisor : Navigating The New Frontier 6-7 December 2023
National Internal Audit Seminar
Trusted Advisor : Navigating The New Frontier
5. Risk Management Forum Pertamina Group 2023 16 Maret 2023 Online
16 March 2023
Pelaksanaan Rapat Internal Audit dengan Dewan Komisaris, Direksi dan/atau Komite Audit
Meeting Frequency of Internal Audit with the Board of Directors, the Board of Commissioners, and/or the Audit Committee
Frekuensi rapat dengan:
Nama Jabatan Frequency of Meeting with:
Name Position Dewan Komisaris Direksi Komite Audit
Board of Commissioners Board of Directors Audit Committee
Resti Setia Utari Internal Audit Group Head 3 6 10
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Laporan Pelaksanaan Tugas Internal Audit Group
Report on the Implementation of Internal Audit Group‘s Duties
Per 31 Desember 2023, Internal Audit telah melaksanakan As of 31 December 2023, the Internal Audit Group
tugas antara lain: conducted audits of:
1. Evaluasi atas Internal Control di PT Synergy Risk 1. Evaluation on Internal Control in PT Synergy Risk
Management & Consultant (SRMC); Management & Consultant (SRMC);
2. Audit atas Pengelolaan Human Capital; 2. Audit on Human Capital Management;
3. Evaluasi atas Klaim Kontra Bank Garansi; 3. Evaluation on Bank Guarantee Counter Claims;
4. Audit atas Pengakuan Pendapatan dan Piutang. 4. Audit on Revenue Recognition and Receivables.
Rekomendasi dan Tindak Lanjut
Recommendations and Follow-Ups
Pelaksanaan audit dan konsultasi Internal Audit di tahun The implementation of audit and consultation by Internal
2023 menghasilkan rekomendasi dan kesepakatan atas Audit in 2023 resulted in recommendations and agreements
tindak lanjut yang telah didiskusikan dengan penanggung on follow-up actions as discussed with the person in
jawab setiap fungsi dan dilaporkan kepada Manajemen. charge of each function and reported to the Management.
Selanjutnya Internal Audit Group melakukan monitoring Furthermore, the Internal Audit Group conducts regular
secara berkala terhadap proses perbaikan sesuai dengan monitoring of the improvement process according to the
jadwal yang telah disepakati oleh fungsi-fungsi terkait. schedule agreed by the relevant functions.
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5.F.
Auditor Eksternal
External Auditor
Sebagai perusahaan terbuka perasuransian yang diatur As a public insurance company regulated and supervised
dan diawasi oleh Otoritas Jasa Keuangan, Tugu Insurance by the Financial Services Authority, Tugu Insurance requires
memerlukan auditor eksternal untuk menyusun dan an external auditor to compile and present quality financial
menyajikan informasi keuangan yang berkualitas. Untuk information. Therefore, in carrying out its annual financial
itu, dalam pelaksanaan tugas audit keuangan tahunan, audit duties, Tugu Insurance uses the services of a Public
Tugu Insurance menggunakan jasa Kantor Akuntan Publik Accountant Firm (“KAP”) and public accountants from an
(“KAP”) dan akuntan publik dari pihak eksternal independen independent external party to obtain accountable credibility
untuk mendapatkan kredibilitas penilaian yang dapat of the assessment.
dipertanggungjawabkan.
Akuntan publik merupakan organ eksternal Perseroan yang Public accountants are the Company’s external organs that
berfungsi memberikan opini terkait kesesuaian penyajian have a function to provide opinions regarding the suitability
laporan keuangan Perseroan terhadap Standar Akuntansi of the presentation of the Company’s financial statements
Keuangan (SAK) yang berlaku di Indonesia. Keberadaan with the Financial Accounting Standards applicable in
akuntan publik diatur melalui Peraturan OJK No. 13/ Indonesia. The existence of a public accountant is regulated
POJK.03/2017 tentang Penggunaan Jasa Akuntan Publik through OJK Regulation No. 13/POJK.03/2017 concerning
dan Kantor Akuntan Publik dalam Kegiatan Jasa Keuangan. 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 GMS based on the recommendations
Dewan Komisaris dan Komite Audit, dengan mengacu pada of the Board of Commissioners and the Audit Committee,
ketentuan peraturan perundang-undangan yang berlaku in reference to the provisions of the prevailing laws and
di antaranya Undang-undang No. 40 Tahun 2007 tentang regulations including Law No. 40 of 2007 concerning Limited
Perseroan Terbatas, Peraturan OJK No. 73/POJK.05/2016 Liability Companies, OJK Regulation No. 73/POJK.05/2016
tentang Tata Kelola Perusahaan yang Baik bagi Perusahaan concerning Good Corporate Governance for Insurance
Perasuransian, dan Peraturan Menteri Keuangan No. 17/ Companies, and Regulation of the Minister of Finance No.
PMK 01/2009 Pasal 3 ayat (11) tentang Jasa Akuntan 17/PMK 01/2009 Article 3 paragraph (11) concerning
Publik, dan Peraturan OJK No. 13/POJK.03/2017 tentang Public Accountant Services, and OJK Regulation No. 13/
Penggunaan Jasa Akuntan Publik dan Kantor Akuntan Publik POJK.03/2017 concerning the Use of Public Accountant
dalam Kegiatan Jasa Keuangan. Services and Public Accountant Firms in Financial
Service Activities.
Keputusan RUPS Tahunan Tahun Buku 2022 telah The resolutions of the Annual GMS for the Fiscal Year 2022
memberikan pelimpahan kewenangan dan kuasa kepada have delegated authority and power to the Company’s Board
Dewan Komisaris Perseroan untuk menetapkan KAP dalam of Commissioners to appoint a KAP in conducting an audit
melakukan pemeriksaan atas Laporan Keuangan Perseroan of the Company’s Financial Statements for the financial
untuk tahun buku yang berakhir pada tanggal 31 Desember year ending on 31 December 2023 along with the amount
2023 berikut besaran nilai jasanya, sesuai ketentuan dan of its services fee, in accordance with applicable rules and
peraturan yang berlaku, termasuk menunjuk KAP pengganti regulations, including appointing a replacement KAP if for
bilamana karena sebab apapun juga berdasarkan ketentuan any reason based on the provisions of the capital market
pasar modal di Indonesia apabila KAP yang ditunjuk tidak in Indonesia the appointed KAP is unable to carry out its
dapat melakukan tugasnya, dengan kriteria bahwa KAP duties, with the criteria that the KAP is registered on the
tersebut terdaftar di Otoritas Jasa Keuangan, dengan terlebih Financial Services Authority, by informing in advance to the
dahulu mengkomunikasikan kepada Pemegang Saham Controlling Shareholder, in this case, PT Pertamina (Persero).
Pengendali, dalam hal ini PT Pertamina (Persero).
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Berdasarkan surat keputusan No. 54/S/KOM-ATPI/ Based on the decree No. 54/S/KOM-ATPI/VIII/2023
VIII/2023 tanggal 15 Agustus 2023, dari Presiden Komisaris dated 15 August 2023, from the President Commissioner
kepada Direksi perihal Tindak Lanjut atas Penetapan to the Board of Directors regarding the Follow-up on the
Kantor Akuntan Publik (KAP) Tahun Buku 2023, Dewan Appointment of the Public Accountant Firm (KAP) for the
Komisaris memutuskan untuk menetapkan Kantor Akuntan 2023 Fiscal Year, the Board of Commissioners decided
Publik (KAP) Amir Abadi Jusuf, Aryanto, Mawar, dan Rekan to appoint Public Accountant Firm (KAP) Amir Abadi Jusuf,
(Member of the RSM Network) untuk melakukan Audit Atas Aryanto, Mawar, and Partners (Member of the RSM Network)
Laporan Keuangan Konsolidasian PT Asuransi Tugu Pratama to conduct Audit on the Consolidated Financial Statements
Indonesia Tbk dan Entitas Anak untuk Tahun Buku 2023. of PT Asuransi Tugu Pratama Indonesia Tbk and its
Subsidiaries for the 2023 Fiscal Year.
Adapun Kantor Akuntan Publik dalam kurun waktu 5 (lima) The Public Accounting Firm in the last 5 (five) years is
tahun terakhir sebagai berikut. as follows.
Fee Auditor
Tahun Kantor Akuntan Publik Nama Akuntan (Tanpa PPN) Opini
Year Public Accountant Firm Accountant Name Auditor Fee Opinion
(excluded Tax)
2023 Amir Abadi Jusuf, Aryanto, Mawar, Bimo Iman Santoso Rp1.480.000.000 Laporan keuangan konsolidasian menyajikan
dan Rekan (Member of the RSM secara wajar, dalam semua hal yang material,
Network). posisi keuangan konsolidasian Grup tanggal
31 Desember 2023, serta kinerja 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, Bimo Iman Santoso Rp1.520.000.000 Laporan keuangan konsolidasian menyajikan
dan Rekan (Member of the RSM secara wajar, dalam semua hal yang material,
Network). posisi keuangan konsolidasian Grup tanggal
Amir Abadi Jusuf, Aryanto, Mawar, 31 Desember 2022, serta kinerja keuangan
and Partner (Member of the RSM dan arus kas konsolidasiannya untuk tahun
Network). 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.
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Fee Auditor
Tahun Kantor Akuntan Publik Nama Akuntan (Tanpa PPN) Opini
Year Public Accountant Firm Accountant Name Auditor Fee Opinion
(excluded Tax)
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
KAP Purwantono, Sungkoro & Surja Tugu Pratama Indonesia Tbk dan entitas
(member firm of Ernst &. Young anaknya, serta kinerja keuangan dan arus
Global Limited). kas konsolidasiannya untuk tahun buku
2020 KAP Purwantono, Sungkoro & Surja Muhammad Rp1.500.000.000 yang bersangkutan, sesuai dengan Standar
(firma anggota Ernst & Young Global Kurniawan Akuntansi Keuangan di Indonesia.
Limited).
KAP Purwantono, Sungkoro & Surja The Consolidated Statements present fairly,
(member firm of Ernst &. Young in all material respects, the consolidated
Global Limited). financial position of PT Asuransi Tugu Pratama
Indonesia Tbk and its subsidiaries, as well
2019 KAP Purwantono, Sungkoro & Surja Muhammad Rp1.500.000.000
as the consolidated financial performance
(firma anggota Ernst & Young Global Kurniawan
and cash flows for the fiscal year concerned,
Limited). in accordance with Indonesian Financial
KAP Purwantono, Sungkoro & Surja Accounting Standards.
(member firm of Ernst &. Young
Global Limited).
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 2023 tersebut meliputi cakupan pekerjaan Insurance in 2023 includes the following work coverage:
sebagai berikut:
1. Laporan Keuangan Konvensional; 1. Conventional Financial Statements;
2. Laporan Keuangan Syariah; 2. Sharia Financial Statements;
3. Review Perhitungan RBC Konvensional; 3. Review of Conventional RBC Calculation;
4. Review Perhitungan RBC Syariah. 4. Review of Sharia RBC Calculation.
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5.G.
Sistem Pengendalian Internal
Internal Control System
Sistem Pengendalian Internal menjadi unsur penting dalam The Internal Control System is an important element in
pengelolaan dan menjadi dasar bagi kegiatan operasional the management of the Company and is the basis for the
Perusahaan. Sistem pengendalian internal bertujuan Company's operations. The internal control system aims
untuk memastikan bahwa setiap pekerjaan yang dilakukan to ensure that every work carried out in the Company’s
dalam operasi Perusahaan sesuai dengan Standar Operasi operations strictly adheres to the applicable Standard
Prosedur (SOP) yang berlaku. Sistem pengendalian internal Operating Procedures (SOP). The internal control system
diterapkan Perusahaan secara berkesinambungan dan is a supervisory process mechanism implemented by the
dirancang untuk dapat memberikan keyakinan yang memadai Company on an ongoing basis and designed to provide
bahwa kegiatan operasional telah dijalankan sesuai sasaran adequate assurance in a way that the operational activities
dan strategi bisnis, dan ketentuan yang berlaku. have been conducted in accordance with business objectives
and strategies, and applicable regulations.
Organisasi Sistem Pengendalian Internal
Organization of Internal Control System
Pelaksanaan Sistem Pengendalian Internal di Tugu Insurance The Implementation of the Internal Control System at Tugu
merupakan tanggung jawab Manajemen dan seluruh Insurance is the responsibility of the management and
karyawan. Agar Sistem Pengendalian dapat terlaksana all employees. As the Control System to be implemented
secara efektif dan efisien, diperlukan dukungan dari effectively and efficiently, it needs supports from Board
Dewan Komisaris, Komite Audit, Direksi, Internal Audit dan of Commissioners, Audit Committee, Board of Directors,
seluruh pekerja. Internal Audit and all employees.
Kerangka Kerja Sistem Pengendalian Internal
Internal Control System Framework
Dalam melaksanakan pengendalian keuangan dan In carrying out financial and operational control, as well as
operasional, serta kepatuhan terhadap peraturan perundang- compliance with laws and regulations, the Company has
undangan, Perseroan telah mengembangkan sistem developed an internal control system based on three lines of
pengendalian internal berbasis pertahanan tiga lapis (three defense as follows:
line of defense) sebagai berikut:
1. Lapis pertama, merupakan tugas dan tanggung jawab 1. The first layer is the duties and responsibilities of all
seluruh unit kerja yang menjalankan operasi bisnis. work units that carry out business operations. The
Pengendalian internal yang dilakukan bersifat preventif, internal control conducted is preventive, based on the
dilakukan berdasarkan kebijakan dan prosedur yang policies and procedures applicable to the work unit
berlaku bagi unit kerja yang bersangkutan, termasuk concerned, including consultation and communication
konsultasi dan komunikasi dengan Direksi terkait; with the related Directors;
2. Lapis kedua, merupakan tugas dan tanggung jawab 2. The second layer is the duties and responsibilities of
unit kerja yang menjalankan fungsi kepatuhan dan the work unit that carries out the compliance and risk
fungsi manajemen risiko. Pengendalian yang dilakukan management functions. The control is detective, by
bersifat detective, dengan melalui pemantauan monitoring compliance with policies and procedures
kepatuhan terhadap kebijakan dan prosedur serta as well as prevailing laws and regulations, including
peraturan perundang-undangan yang berlaku, termasuk detection of the adequacy of policies and procedures in
pendeteksian kecukupan kebijakan dan prosedur pada all work units;
seluruh unit kerja;
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3. Lapis ketiga, merupakan tugas dan tanggung jawab 3. The third layer is the duties and responsibility of the
unit kerja yang menjalankan fungsi audit internal. work unit that carries out the internal audit function. The
Pengendalian yang dilakukan bersifat directive, control is directive, which results in recommendations
yang menghasilkan rekomendasi perbaikan atau for improvements or enhancements to weaknesses in
penyempurnaan terhadap kelemahan kebijakan dan policies and procedures based on the results of risk-
prosedur berdasarkan hasil pemeriksaan berbasis risiko. based audits.
Perseroan menerapkan Sistem Pengendalian Internal The Internal Control System is implemented in the Company
mencakup hal-hal berikut: by covering the following:
1. Lingkungan pengendalian internal, yang menunjukkan 1. Internal control environment, which indicates
kondisi lingkungan dalam satu organisasi/perusahaan environmental conditions in an organization/company
yang mempengaruhi kesadaran pengendalian dari that affect the control awareness of the people within the
orang-orang dalam organisasi tersebut. Lingkungan organization. This control environment is the foundation
pengendalian ini merupakan landasan bagi komponen for other components of internal control and is greatly
pengendalian internal lainnya dan sangat dipengaruhi affected by the atmosphere created by the company’s top
oleh suasana yang diciptakan oleh Pimpinan Tertinggi management (tone at the top).
Perusahaan (tone at the top).
Dalam rangka penerapan GCG yang baik, integritas, dan For the purpose of GCG implementation, the integrity,
nilai-nilai etika Insan Tugu senantiasa diterapkan dalam and ethical values of Tugu Personnel are always applied
melakukan kegiatan operasional di Tugu Insurance. in the operational activities at Tugu Insurance. The
Penandatanganan pakta integritas oleh Direksi, Dewan signing of the integrity pact by the Board of Directors, the
Komisaris dan karyawan, serta kewajiban seluruh Board of Commissioners, and employees, as well as the
pegawai untuk menandatangani komitmen penerapan obligation of all employees to sign a commitment to the
Pedoman Etika Usaha dan Tata Perilaku (Code of implementation of the Code of Conduct and Conflict of
Conduct) dan Pedoman Konflik Kepentingan (Conflict Interest (COI) documented in a form, shows the strong
of Interest atau COI) yang didokumentasikan dalam commitment of Tugu Insurance in creating a healthy
bentuk formulir, menunjukkan komitmen tinggi Tugu work environment.
Insurance dalam menciptakan suasana lingkungan kerja
yang sehat.
Pada level manajemen, pengawasan jalannya perusahaan At the management level, supervision of the Company’s
telah dilakukan oleh Komisaris melalui rapat gabungan performance has been carried out by the Board of
Dewan Komisaris dan Direksi secara berkala untuk Commissioners through joint meetings of the Board
memastikan bahwa manajemen memenuhi tanggung of Commissioners and the Board of Directors on a
jawabnya. Di sisi lain, Komite Audit yang anggota- regular basis to ensure that management fulfils its
anggotanya merupakan pihak independen, selalu responsibilities. On the other hand, the Audit Committee,
aktif melakukan rapat untuk memonitor aktivitas whose members are independent parties, is always
operasional perusahaan. active in conducting meetings to monitor the Company’s
operational activities.
Untuk meningkatkan kinerja dan efektivitas koordinasi To improve the performance and effectiveness of
antara manajemen dengan pekerja, Perseroan telah coordination between management and employees,
menerapkan struktur organisasi yang baru sesuai the Company has implemented a new organizational
dengan Surat Keputusan Direksi No. 169/SKD/04/ structure Pursuant to Board of Directors' Decree
HCM-OPR/ATPI/2023 pada tanggal 18 Desember 2023. No. 169/SKD/04/HCM-OPR/ATPI/2023 dated
Garis hubungan wewenang dan pertanggungjawaban 18 December 2023. The new line of authority and
yang baru, diharapkan dapat memberikan kontribusi responsibility relations is expected to contribute better to
yang lebih baik bagi perencanaan, pelaksanaan dan operational planning, implementation, and control.
pengendalian operasional.
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2. Penilaian risiko, yang merupakan mekanisme untuk 2. Risk assessment, which is a mechanism for identifying,
mengidentifikasi, menganalisa dan mengelola berbagai analyzing, and managing various risks in the organization,
risiko dalam organisasi dalam kaitannya dengan tujuan in relation to the aimed objectives. The Company has
yang ingin dicapai. Perseroan telah melakukan penilaian conducted a risk assessment in all work units, which is
risiko pada semua unit kerja, yang dikoordinasikan oleh coordinated by the Enterprise Risk Management (ERM)
fungsi Enterprise Risk Managament (ERM). Penilaian function. This assessment is useful for determining risk
ini berguna untuk menetapkan penerimaan risiko (risk appetite and risk tolerance as well as selecting a risk
appetite dan risk tolerance) serta pemilihan rencana management plan. Risk measurement is done based on
penanganan risiko. Pengukuran risiko dilakukan the impacts and trends described in a risk matrix that
berdasarkan dampak dan kecenderungan yang dijabarkan describes the level of risk in each function.
dalam suatu matriks risiko yang menggambarkan tingkat 3. Control activities, including policies and procedures,
risiko pada masing-masing fungsi. to ensure that all actions are effectively performed in
3. Aktivitas Pengendalian (control activities), mencakup accordance with the management’s directions. The
kebijakan dan prosedur untuk membantu meyakinkan Company has policies or procedures in controlling
bahwa semua tindakan dilaksanakan sesuai dengan operational activities. The policies in force such as the
arahan manajemen secara efektif. Perseroan integrity pact, 6C (Clean, Committed, Capable, Creative,
telah memiliki kebijakan ataupun prosedur dalam Collaborative, and Customer Focus) aligned with the core
mengendalikan kegiatan operasional. Adanya kebijakan values of AKHLAK (Thustworthy, Competent, Harmonious,
seperti pakta integritas, 6C (Clean, Committed, Capable, Loyal, Adaptive, Collaborative), or operational procedures
Creative, Collaborative, and Customer Focus) yang such as SOPs, the Board of Directors’ Decree on
diselaraskan dengan core values AKHLAK (Amanah, additional necessary rules and implementation of Internal
Kompeten, Harmonis, Loyal, Adaptif, Kolaboratif), ataupun Control over Financial Reporting (ICoFR), are expected to
prosedur operasional seperti SOP, surat keputusan provide assurance that all activities are implemented in
Direksi atas aturan tambahan yang diperlukan dan accordance with the management’s directions effectively.
penerapan Internal Control over Financial Reporting 4. Information and communication, which is a system that
(ICoFR), diharapkan dapat memberikan keyakinan bahwa allows people in the organization to obtain and share the
semua aktivitas kegiatan dilaksanakan sesuai dengan information needed to manage, implement, and control
arahan manajemen secara efektif. operational activities.
4. Informasi dan Komunikasi (information and 5. The Company has a system built by the Information
communication), yaitu sistem yang memungkinkan and Technology function, which able to provide prompt
orang-orang dalam organisasi untuk memperoleh dan and accurate information through the system. The
berbagi informasi yang diperlukan untuk mengelola, convenience to access the required data provides
melaksanakan dan mengendalikan kegiatan operasional. benefits for every information user to analyze business
5. Perseroan telah memiliki sistem yang dibangun considerations technically and comprehensively.
oleh fungsi Informasi dan Teknologi, sehingga dapat 6. Monitoring, which is a process of assessing the quality
memberikan informasi melalui sistem secara cepat and effectiveness of the internal control system,
dan akurat. Kemudahan dalam akses data-data yang including modification and enhancement if necessary.
diperlukan memberikan manfaat bagi setiap pengguna 7. The Company monitors and prepares monthly follow-up
informasi untuk dapat menganalisa pertimbangan bisnis reports to PT Pertamina (Persero) as the parent company
secara teknis dan lebih komprehensif. on each recommendation on the findings disclosed by
6. Pemantauan (monitoring), yang merupakan proses the auditors, both internal and external auditors.
penilaian terhadap kualitas dan efektivitas dari sistem
pengendalian internal, termasuk modifikasi dan
penyempurnaannya apabila diperlukan.
7. Perseroan memantau dan menyusun laporan tindak lanjut
setiap bulan yang dikirimkan ke PT Pertamina (Persero)
sebagai induk perusahaan pada setiap rekomendasi atas
temuan yang diungkap oleh auditor baik dari internal
auditor maupun eksternal auditor.
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Pengendalian Keuangan dan Operasional
Financial and Operational Control
Tugu Insurance menerapkan pengendalian keuangan yang Tugu Insurance implements comprehensive financial
komprehensif melalui mekanisme yang jelas serta prosedur control through clear mechanisms, supported by a financial
dan kebijakan pengelolaan yang ketat, didukung oleh sistem management system that complies with Financial Accounting
pengelolaan keuangan yang patuh pada Standar Akuntansi Standards and other relevant regulations, as well as strict
Keuangan dan peraturan lain yang relevan. financial management procedures and policies.
Evaluasi atas Efektivitas Sistem Pengendalian Internal
Evaluation of Internal Control System Effectiveness
Manajemen Perusahaan mendorong dilakukannya evaluasi The Company's management encourages periodic evaluation
atas penerapan Sistem Pengendalian Internal secara of the Internal Control System implementation. The Internal
berkala. Fungsi Internal Audit bertanggung jawab untuk Audit is responsible for evaluating and assessing the
melakukan evaluasi dan penilaian terhadap efektivitas effectiveness of the Internal Control System as well as
Sistem Pengendalian Internal, serta melakukan pemantauan monitoring improvements or follow-up to the findings of the
perbaikan atau tindak lanjut hasil temuan-temuan audit internal audit team at various work units at Tugu Insurance.
internal pada unit-unit kerja di Tugu Insurance. Tujuan The objectives of this evaluation are to:
evaluasi ini adalah untuk:
1. Memberikan keyakinan yang memadai kepada Direksi 1. Provide adequate assurance to the Board of Directors
dalam pemberian pernyataan mengenai efektivitas in providing statements regarding the effectiveness of
pengendalian internal, untuk selanjutnya memberikan internal control, to further provide adequate assurance
keyakinan yang memadai kepada pemangku kepentingan to other stakeholders that the implementation of the
lainnya bahwa penerapan Sistem Pengendalian Internal Company’s Internal Control System is sufficient to
Perusahaan telah memadai untuk mencapai tujuan achieve the expected objectives, namely compliance with
yang diharapkan, yaitu kepatuhan terhadap peraturan applicable laws and regulations, availability of financial
dan perundang-undangan yang berlaku, tersedianya and management information in accurate, complete
informasi keuangan dan manajemen yang akurat, lengkap and timely manner, and efficiency/effectiveness of the
dan tepat waktu, serta efisien/efektivitas dari kegiatan Company’s business activities;
usaha perusahaan; 2. Provide recommendations to the Management regarding
2. Memberikan rekomendasi kepada Manajemen improvements in the implementation of the Company’s
menyangkut perbaikan penerapan Sistem Pengendalian Internal Control System.
Internal Perusahaan.
Pernyataan Direksi atas Kecukupan Sistem Pengendalian Internal
Statement of Board of Directors on Internal Control System Adequacy
Perseroan telah melakukan evaluasi terhadap efektivitas The Company has evaluated the effectiveness of the
Sistem Pengendalian Internal dengan mempertimbangkan Internal Control System by considering the results of the
hasil evaluasi dan penilaian dari Internal Audit. Berdasarkan evaluation and assessment from the Internal Audit. Based
evaluasi yang dilakukan sepanjang tahun 2023, Direksi on the evaluation conducted throughout 2023, the Board of
menilai bahwa Perseroan telah memiliki kecukupan Sistem Directors concludes that the Company has implemented a
Pengendalian Internal yang diterapkan di perusahaan. sufficient Internal Control System.
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5.H.
Manajemen Risiko
Internal Control System
Manajemen Risiko mempunyai peran penting untuk menjaga Risk management has an important role in maintaining
keberlangsungan usaha sehingga dapat menghadapi the continuity of the Company’s business activities so the
berbagai macam risiko yang perlu dikelola secara terencana, Company can face various types of risks that need to be
sistematis, dan terstruktur. Manajemen Risiko merupakan managed in a planned, systematic, and structured manner.
suatu budaya dimana proses-proses dan struktur diarahkan Risk Management is a culture where processes and
untuk mengelola manajemen yang tepat guna terhadap structures are directed to manage potential opportunities
peluang yang potensial dan dampak yang merugikan. Dalam appropriately and adverse impacts. To minimize the potential
rangka meminimalkan potensi kerugian dan memaksimalkan losses and maximize the potential for achieving targets, Tugu
peluang tercapainya sasaran, Tugu Insurance menerapkan Insurance implements Risk Management in the Company's
Manajemen Risiko pada aktivitas bisnis dan operasional business and operational activities based on the principles
Perseroan berdasarkan prinsip kehati-hatian dan Tata kelola of prudence and Corporate Governance and manages risks
Perusahaan dan mengelola risiko dengan mekanisme yang with mechanisms that are in line with the provisions set by
sejalan dengan ketentuan yang ditetapkan Regulator. the Regulator.
Guna tercapainya keberhasilan Perseroan, pengelolaan To achieve the Company's success, risk management
risiko memerlukan kerja sama antar seluruh pihak internal requires cooperation between all internal parties of the
Perseroan. Proses pengelolaan risiko adalah bagian dari Company. The risk management process is part of internal
pengawasan internal yang melibatkan Dewan Komisaris, supervision involving the Board of Commissioners, Sharia
Dewan Pengawas Syariah, Direksi, Manajemen Senior dan Supervisory Board, Board of Directors, Senior Management
seluruh lapisan Karyawan. and all employees.
Dasar Hukum Penerapan Manajemen Risiko
Legal Basis for Risk Management Implementation
Landasan hukum dalam penerapan Manajemen Risiko, The legal basis in implementation of risk management are
antara lain: as follows:
1. Peraturan Otoritas Jasa Keuangan No. 69/ 1. Financial Services Authority Regulation No. 69/
POJK.05/2016 tanggal 28 Desember 2016 tentang POJK.05/2016 dated 28 December 2016 concerning
Penyelenggaraan Usaha Perusahaan Asuransi, Business Conduct of Insurance Companies, Sharia
Perusahaan Asuransi Syariah, Perusahaan Reasuransi Insurance Companies, Reinsurance Companies and
dan Perusahaan Reasuransi Syariah; Sharia Reinsurance Companies;
2. Peraturan Otoritas Jasa Keuangan No. 73/ 2. Financial Services Authority Regulation No. 73/
POJK.05/2016 tanggal 28 Desember 2016 POJK.05/2016 dated 28 December 2016 concerning
tentang Tata Kelola Perusahaan yang Baik bagi Good Corporate Governance for Insurance Companies;
Perusahaan Perasuransian; 3. Financial Services Authority Regulation No. 44/
3. Peraturan Otoritas Jasa Keuangan No. 44/ POJK.05/2020 dated 28 August 2020 concerning
POJK.05/2020 tanggal 28 Agustus 2020 tentang the Implementation of Risk Management at Non-Bank
Penerapan Manajemen Risiko Bagi Lembaga Jasa Financial Service Institutions;
Keuangan Non-Bank; 4. Financial Services Authority Circular Letter No. 8/
4. Surat Edaran Otoritas Jasa Keuangan No. 8/ SEOJK.05/2021 dated 5 February 2021 concerning
SEOJK.05/2021 tanggal 5 Februari 2021 tentang the Implementation of Risk Management at Insurance
Penerapan Manajemen Risiko Bagi Perusahaan Asuransi, Companies, Sharia Insurance Companies, Reinsurance
Perusahaan Asuransi Syariah, Perusahaan Reasuransi, Companies, and Sharia Reinsurance Companies;
dan Perusahaan Reasuransi Syariah; 5. Financial Services Authority Regulation No. 28/
5. Peraturan Otoritas Jasa Keuangan No. 28/ POJK.05/2020 dated 22 April 2020 concerning
POJK.05/2020 tanggal 22 April 2020 tentang Penilaian Assessment of the Soundness of Non-Bank Financial
Tingkat Kesehatan Lembaga Jasa Keuangan Non-Bank; Service Institutions;
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6. Peraturan Otoritas Jasa Keuangan No. 4/POJK.05/2021 6. Financial Service Authority Regulation No. 4/
tanggal 9 Maret 2021 tentang Penerapan Manajemen POJK.05/2021 dated 9 March 2021 concerning
Risiko dalam Penggunaan Teknologi Informasi oleh Application of Risk Management in the Use of Information
Lembaga Jasa Keuangan Non-Bank; Technology by Non-Bank Financial Services Institutions;
7. Surat Edaran Otoritas Jasa Keuangan No. 22/ 7. Financial Services Authority Circular Letter No. 22/
SEOJK.05/2021 tanggal 24 Agustus 2021 tentang SEOJK.05/2021 dated 24 August 2021 concerning
Penerapan Manajemen Risiko Dalam Penggunaan Implementation of Risk Management in the Use
Teknologi Informasi Oleh Lembaga Jasa Keuangan Non- of Information Technology by Non-Bank Financial
Bank; Services Institutions;
8. Surat Edaran Otoritas Jasa Keuangan No. 1/ 8. Financial Services Authority Circular Letter No.
SEOJK.05/2021 tanggal 15 Januari 2021 tentang 1/SEOJK.05/2021 dated 15 January 2021
Penilaian Tingkat Kesehatan Perusahaan Asuransi, concerning Assessment of Soundness Level
Perusahaan Asuransi Syariah, dan Perusahaan of Insurance Companies, Sharia Insurance
Reasuransi dan Perusahaan Reasuransi Syariah; Companies, and Reinsurance Companies and Sharia
9. Peraturan Otoritas Jasa Keuangan No. 17/ Reinsurance Companies;
POJK.03/2014 tanggal 18 November 2014 tentang 9. Financial Services Authority Regulation No. 17/
Penerapan Manajemen Risiko Terintegrasi Bagi POJK.03/2014 dated 18 November 2014 concerning
Konglomerasi Keuangan; the Implementation of Integrated Risk Management for
10. Surat Edaran Otoritas Jasa Keuangan No. 14/ Financial Conglomerates;
SEOJK.03/2015 tanggal 25 Mei 2015 tentang 10. Financial Services Authority Circular Letter No. 14/
Penerapan Manajemen Risiko Terintegrasi Bagi SEOJK.03/2015 dated 25 May 2015 concerning the
Konglomerasi Keuangan. Implementation of Integrated Risk Management for
Financial Conglomerates.
Dalam penerapan Manajemen Risiko Terintegrasi, Perseroan In implementing Integrated Risk Management, the
bertindak sebagai Entitas Utama dalam konglomerasi Company acts as the Main Entity in the TUGU Group
keuangan TUGU Group yang terintegrasi dengan PT Tugu financial conglomerate, which is integrated with PT Tugu
Reasuransi Indonesia sebagai Lembaga Jasa Keuangan Reasuransi Indonesia as a Financial Services Institution
Anggota Konglomerasi Keuangan. Sedangkan dalam which is a Member of the Financial Conglomerate. In the
penerapan Manajemen Risiko Terintegrasi di Group implementation of integrated Risk Management in Pertamina
Pertamina, di mana PT Pertamina (Persero) sebagai Entitas Group, however, PT Pertamina (Persero) is the Main Entity
Utama, Perseroan adalah merupakan Entitas Anak. and the Company is a Subsidiary.
Berdasarkan surat Otoritas Jasa Keuangan No. S-828/ Based on the Financial Services Authority letter No. S-828/
NB.21/2022 tanggal 14 Desember 2022 perihal Perubahan NB.21/2022 dated 14 December 2022 concerning Changes
Status Konglomerasi Keuangan, bahwa Konglomerasi in the Status of the Financial Conglomerate, TUGU Group
Keuangan Group Tugu tidak lagi memenuhi kriteria sebagai Financial Conglomerate has no longer met the criteria as
konglomerasi Keuangan. Dengan demikian efektif per a financial conglomerate. Thus, effective as of the date of
tanggal surat OJK tersebut Penerapan Manajemen Risiko the OJK letter, the Financial Conglomerate Integrated Risk
Terintegrasi Konglomerasi Keuangan tidak berlaku bagi Tugu Management does not apply to Tugu Insurance. In terms
Insurance. Dalam hal pemantauan perkembangan grup of monitoring the development of the Financial Services
Lembaga Jasa Keuangan, Perusahaan ditunjuk sebagai Institutions group, the Company has been appointed as the
koordinator dari Group Keuangan Tugu. coordinator of Tugu Financial Group.
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 yang as stated in the Company’s General Risk Management Policy.
dikembangkan selaras dengan strategi bisnis Perusahaan, The Risk Management Framework has been developed in
struktur organisasi, ketentuan internal, serta ketersediaan corresponding with the Company’s business strategies,
infrastruktur Perusahaan. Dalam implementasinya, organizational structure, internal regulations, and the
penerapan Manajemen Risiko mengacu kepada standar Company’s infrastructure. The implementation of the Risk
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SNI ISO 31000:2018 (Manajemen Risiko Berbasis Management refers to the standard of SNI ISO 31000: 2018
Risiko) yang terdiri dari prinsip, kerangka kerja dan proses (Risk-Based Risk Management), which consists of the Risk
Manajemen Risiko. Management’s principles, framework, and process.
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 &
Commitment Risk Analysis
Risk Education
Evaluation Design
Risk Treatment
Recording & Reporting
Implementation
Landasan penerapan Manajemen Risiko adalah kerangka The Risk Management framework has become the basis
yang menjadi kunci keberhasilan dalam penerapan for Risk Management implementation at the Company.
Manajemen Risiko Perseroan. Manajemen Risiko merupakan This is the key to success in implementing the Company’s
bagian dari Tata kelola Perusahaan yang menjadi dasar risk management. Risk Management is part of Corporate
dalam pengelolaan risiko-risiko di semua tingkatan Perseroan Governance which is the basis for managing risks at all
dalam rangka pencapaian dan peningkatan kinerja. Kerangka levels of the Company, with the objective of maintaining and
Manajemen Risiko merupakan pengembangan dari prinsip- improving performance. The Risk Management Framework
prinsip Manajemen Risiko yang memberikan dasar dalam is the result of the development of the Risk Management
pengelolaan Perseroan yang mencakup seluruh aktivitas principles. The principles consitute the basis for managing
usaha Perusahaan. Pelaksanaan proses Manajemen Risiko the Company and its business activities. The implementation
dimulai dengan melakukan komunikasi dan konsultasi, of the Risk Management process begins with communication
penetapan konteks, penilaian risiko, identifikasi risiko, and consultation, context setting, risk assessment, risk
perlakuan terhadap risiko, diakhiri dengan pemantauan dan identification, response to risk, and ends with the monitoring
pengkajian terhadap proses pengelolaan risiko. and review of risk management process.
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Pelaksanaan Manajemen Risiko di Tugu Insurance The implementation of Risk Management at Tugu
melibatkan seluruh unsur dalam organisasi mulai Insurance involves all elements in the organization, from
dari manajemen hingga karyawan pelaksana. Seluruh the management to all levels of employees. All the afore-
unsur tersebut berperan aktif dalam konteks “Tiga Lini mentioned elements play an active role in the context of the
Pertahanan” manajemen risiko. “Three Lines of Defense” 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
First Line of Second Line of Third Line of
Defense Defense Defense
Risk Independent Independent
Owners Function Assurance Function
• Unit Kerja Bisnis
• Business Work Units
• Unit Kerja
• ERM
Operasional dan Internal Audit
• Compliance
Pendukung
• Operational and
Supporting Work
Units
Lini-1: First Line of Defense Line-1: First Line of Defense
First line of defense atau lini pertahanan pertama The first line of defense consists of risk-owning work units
berisi unit kerja pemilik risiko yang melaksanakan that carry out business functions as well as operational
fungsi bisnis dan unit kerja operasional dan pendukung and business support work units. In conducting their daily
bisnis. Dalam melaksanakan aktivitas harian, unit kerja activities, the work units are exposed with various types and
tersebut berhadapan langsung dengan berbagai jenis dan possible risks. All functions in the first line of defense are
kemungkinan risiko. Seluruh fungsi pada lini pertahanan responsible for identifying and managing the risks exposed in
pertama bertanggung jawab dalam mengidentifikasi dan each product, activity, process and system, and are expected
mengelola risiko yang melekat pada setiap produk, kegiatan, to have a high-risk awareness to manage risk effectively.
proses dan sistem yang dijalankan, serta diharapkan
memiliki kesadaran risiko yang tinggi untuk mengelola risiko
dengan efektif.
Lini-2: Second Line of Defense Line-2: Second Line of Defense
Second line of defense atau lini pertahanan kedua terdiri The second line of defense consists of a Risk Management
dari unit kerja Manajemen Risiko dan unit kerja Kepatuhan. work unit and a Compliance work unit. The work unit in the
Unit kerja di lini pertahanan kedua bertanggung jawab atas second line of defense is responsible for the development of
pengembangan strategi Manajemen Risiko, pemeliharaan Risk Management strategies, maintenance, and continuous
dan pengembangan berkelanjutan dari kerangka pengelolaan development of the risk management framework. These work
risiko dan memberikan masukan serta arahan kepada unit units also provide inputs and direction to business work
kerja bisnis dan unit kerja pendukung mengenai proses units and supporting work units regarding risk management
pengelolaan risiko, pengukuran risiko dan pelaporan. process, risk measurement and reporting.
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Lini-3: Third Line of Defense Line-3: Third Line of Defense
Third line of defense atau lini pertahanan ketiga adalah The third line of defense is the internal audit unit. The
unit internal audit. Internal audit berfungsi sebagai unit internal audit has the function as an independent unit
independen yang bertugas melakukan risk-based audit yang assigned with conducting a risk-based audit that provides
memberikan added value kepada lini pertahanan pertama added value to the first and second lines of defense. This
dan kedua, untuk memastikan bahwa seluruh elemen is to ensure that all elements of the Company have properly
Perusahaan telah melaksanakan fungsi dan tanggung executed their functions and responsibilities, including
jawabnya dengan baik termasuk memastikan kesesuaian ensuring compliance with the Company’s management
dengan kebijakan manajemen Perseroan dan regulasi policies and prevailing regulations.
yang berlaku.
Organisasi Manajemen Risiko
Organization of Risk Management
Perseroan telah memberikan tanggung jawab kepada Unit The Company given responsibility to the Risk Management
Kerja Manajemen Risiko di bawah Direktur Kepatuhan Work Unit under the Compliance & Risk Management
& Manajemen Risiko sebagai upaya untuk memastikan Director as an effort to ensure that Risk Management is
berjalannya pengelolaan Manajemen Risiko yang terukur managed in a measurable manner and in accordance with
dan sesuai dengan ketentuan. Unit Kerja Manajemen Risiko applicable provisions. The Risk Management Work Unit is a
merupakan unit kerja yang independen dari unit bisnis dan work unit that is independent from the Company’s business
unit operasional Perseroan, dan memiliki tanggung jawab units and operational units, and has main responsibility to
utama untuk memastikan proses penerapan manajemen ensure that the risk management implementation process
risiko telah berjalan efektif di Perseroan. works effectively in the Company.
Unit Kerja Manajemen Risiko memiliki tugas dan wewenang The authorities and responsibilities of the Risk Management
antara lain: Work unit include:
1. Bertanggung jawab langsung kepada Direktur Kepatuhan 1. Directly responsible to the Compliance & Risk
& Manajemen Risiko; Management Director;
2. Melakukan kegiatan-kegiatan, antara lain: 2. Conducting activities such as the followings:
a. Identifikasi risiko termasuk risiko yang melekat a. Risk identification, including inherent risks in the
(inherent risk) pada kegiatan usaha Perusahaan; Company’s business activities;
b. Penyusunan metode pengukuran risiko; b. Preparing risk measurement method;
c. Pemantauan pelaksanaan strategi Manajemen Risiko c. Monitoring the implementation of Risk Management
yang telah disetujui oleh Direksi; strategy that has been approved by the Board
d. Pemantauan posisi risiko secara keseluruhan of Directors;
(composite), per jenis risiko, dan per jenis aktivitas d. Monitoring the overall risk position (composite), per
fungsional terhadap toleransi risiko (risk tolerance) type of risk, and per type of functional activity against
dan limit yang telah ditetapkan; the risk tolerance and limits that have been set;
e. Melakukan kaji ulang secara berkala terhadap proses e. Conducting periodic reviews of Risk
Manajemen Risiko; Management process;
f. Kajian risiko atas pengembangan atau perluasan f. Risk assessment on the development or expansion of
kegiatan usaha; business activities;
g. Evaluasi terhadap akurasi model (internal g. Evaluation of internal model and validity of data used
model) dan validitas data yang digunakan dalam in risk measurement;
pengukuran risiko; h. Providing recommendations to business and
h. Memberikan rekomendasi kepada fungsi bisnis dan operational functions as well as the Risk
operasional serta Komite Manajemen Risiko sesuai Management Committee in corresponding to their
dengan kewenangannya; 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.
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3. Menyusun dan menyampaikan laporan Manajemen Risiko 3. Preparing and submitting Risk Management reports,
baik pelaporan internal maupun eksternal yang menjadi both internal and external reports that have become the
kewajiban Perusahaan; Company’s obligations;
4. Memberikan rekomendasi kepada Satuan Kerja Bisnis/ 4. Providing recommendations to the Business/Operational
Operasional dan Komite Manajemen Risiko sesuai Work Unit and the Risk Management Committee
kewenangan yang dimiliki; according to their respective authorities;
5. Memberikan masukan kepada Direksi dalam penyusunan 5. Providing input to the Board of Directors in the
Kebijakan Manajemen Risiko Perusahaan; preparation of the Company’s Risk Management Policy;
6. Mengembangkan budaya sadar risiko (risk awareness) di 6. Developing risk awareness culture in all work units of
seluruh unit kerja Perusahaan; 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 the context of implementing the three lines
three lines of defense. of defense.
Struktur Organisasi Unit Kerja Manajemen Risiko
Organizational Structure of Risk Management Work Unit
Kepatuhan dan
Manajemen Risiko
Compliance and Risk Management
ERM, APU PPT & Policy
Enterprise
Corporate Policy APU PPT
Risk Management
Direktorat Directorate Grup Group Departemen Departement Fungsional Functional
Penerapan Manajemen Risiko
Risk Management Implementation
Cakupan Penerapan Manajemen Risiko Tugu The scope of Tugu Insurance’s Risk Management
Insurance meliputi: implementation includes:
1. Pengawasan aktif Direksi, Dewan Komisaris, dan Dewan 1. Active supervision of the Board of Directors, the Board
Pengawas Syariah. Ketiganya bertanggung jawab atas of Commissioners, and Sharia Supervisory Board. All
efektivitas penerapan Manajemen Risiko di Perseroan. the three Boards are responsible for the effectiveness
Oleh karena itu, Direksi, Dewan Komisaris dan Dewan of Risk Management implementation in the Company.
Pengawas Syariah diharuskan untuk: Therefore, the Board of Directors, the Board of
a. Memahami jenis risiko dan tingkat risiko yang Commissioners, and the Sharia Supervisory Board are
melekat pada kegiatan usaha Perseroan; required to:
b. Memberikan arahan yang jelas dalam penerapan a. Understand the types of risks and the level of risks
Manajemen Risiko; inherent in the Company’s business activities;
b. Provide clear directions in the implementation of
Risk Management;
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c. Melakukan pengawasan dan mitigasi risiko c. Provide active risk monitoring and mitigation;
secara aktif; d. Develop the Company’s Risk Management culture;
d. Mengembangkan budaya Manajemen e. Ensure adequate organizational structure along with
Risiko Perseroan; respective duties and responsibilities to support an
e. Memastikan struktur organisasi yang memadai effective implementation of Risk Management;
beserta tugas dan tanggung jawab masing-masing, f. Ensure the adequacy of the quantity and quality of
untuk mendukung penerapan Manajemen Risiko human resources for the effective implementation of
yang efektif; risk management.
f. Memastikan kecukupan kuantitas dan kualitas
sumber daya manusia untuk penerapan Manajemen
Risiko secara efektif.
Dalam pelaksanaannya, penerapan Manajemen Risiko, In practice, the implementation of Risk Management,
pengawasan aktif oleh Direksi, Dewan Komisaris dan active supervision by the Board of Directors, the Board
Dewan Pengawas Syariah dilaksanakan melalui: of Commissioners, and the Sharia Supervisory Board is
realized through:
a. Pelaksanaan rapat Komite Pemantau Risiko a. Implementation of routine Risk Monitoring
secara berkala. Committee meetings;
b. Pelaksanaan rapat Komite Manajemen Risiko b. Implementation of routine Risk Management
secara berkala; Committee meetings;
c. Pelaksanaan Rapat Dewan Pengawas Syariah secara c. Conduct regular Sharia Supervisory Board meetings
berkala dan mengawasi pemenuhan prinsip syariah and oversee the compliance with sharia principles for
atas produk, aktivitas unit usaha Syariah Perusahaan products, activities of the Company’s Sharia business
agar sesuai dengan fatwa Dewan Syariah Nasional- unit that comply with the fatwa of the National Sharia
Majelis Ulama Indonesia; Council-Indonesian Ulema Council;
d. Menetapkan, monitoring dan review atas pelaksanaan d. Establishment, monitoring, and review of the
mitigasi Top Risk Register on Going Business mitigation of the Company’s Top Risk Register on
Perseroan secara berkala; Going Business on a regular basis;
e. Monitoring dan review atas Early Warning System/Key e. Monitoring and review of the Company’s Early Warning
Risk Indicator Perseroan secara berkala; System/Key Risk Indicators on regular basis;
f. Pelaporan hasil assessment profil risiko terintegrasi f. Reporting of the results of the integrated risk profile
yang disampaikan secara berkala; assessment that is submitted periodically;
g. Pelaporan hasil self assessment Tingkat Kesehatan g. Reporting of the results of the Company’s Soundness
Perseroan (tata kelola yang baik, profil risiko, Level self-assessment (good corporate governance,
rentabilitas dan permodalan) secara tahunan; risk profile, profitability, and capital) on an
h. Meningkatkan awareness dengan pembuatan flyer annual basis;
Manajemen Risiko; h. Enhancement of awareness by creating Risk
i. Mengadakan pertemuan antara Unit Kerja Manajemen Management flyers;
Risiko dengan Komite Pemantau Risiko; i. Organizing meetings between the Risk Management
j. Mengikutsertakan pegawai dalam training, seminar, Unit and the Risk Monitoring Committee;
workshop, maupun sertifikasi profesi. j. Involvement of employees in training
sessions, seminars, workshops, as well as
professional certifications.
2. Kecukupan kebijakan, prosedur dan penetapan limit 2. Adequacy of policies, procedures, and determination
risiko. Penerapan Manajemen Risiko yang efektif harus of risk limits. The implementation of effective Risk
didukung dengan kerangka yang mencakup kebijakan Management must be supported by a framework that
dan prosedur Manajemen Risiko serta limit risiko includes Risk Management policies and procedures as
yang ditetapkan secara jelas sejalan dengan visi, misi well as risk limits that are clearly defined in line with the
dan strategi bisnis Perseroan. Penyusunan kebijakan Company’s vision, mission and business strategy. Risk
dan prosedur Manajemen Risiko tersebut dilakukan Management policies and procedures are formulated
dengan memperhatikan antara lain karakteristik dan by considering the characteristics and complexity
kompleksitas kegiatan bisnis, tingkat risiko yang akan of business activities, the level of risk appetite and
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diambil dan toleransi risiko, profil risiko serta ketentuan risk tolerance, risk profile and applicable regulatory
regulator yang berlaku. Kecukupan kebijakan, prosedur provisions. Adequacy of policies, procedures and
dan penetapan limit risiko ditentukan melalui: determination of risk limits is defined through:
a. Perseroan memiliki Pedoman Manajemen Risiko a. The Company’s Risk Management Manual, which
yang mencakup prinsip Manajemen Risiko, kerangka includes the Risk Management principle, Risk
Manajemen Risiko, penerapan Manajemen Risiko, Management framework, Risk Management
wewenang dan tanggung jawab, dan kebijakan application as well as Risk Management authorities,
Manajemen Risiko; responsibilities, and policies;
b. Menetapkan dan melakukan kaji ulang Risk Appetite b. Determination and review of the Company’s monthly
Statement serta pelaporan Key Risk Indicator/Early Risk Appetite Statement as well as the Company’s
Warning System Perseroan setiap bulannya untuk monthly Key Risk Indicator/Early Warning System
mengelola risiko agar tetap berada dalam batasan reporting to manage risks to remains within risk
toleransi risiko (risk tolerance), dan memberikan tolerance limits, and provide adequate assurance
keyakinan yang memadai dalam rangka pencapaian towards achieving the Company’s goals and
tujuan dan sasaran Perseroan. Perseroan secara objectives. The Company continuously complete,
berkelanjutan melengkapi, menyempurnakan, dan enhance, and update its Risk Management policies
mengkinikan kebijakan dan prosedur Manajemen and procedures, in line with business developments
Risiko agar sesuai dengan perkembangan usaha dan and the provisions of the Regulator.
ketentuan Regulator.
3. Kecukupan proses identifikasi, pengukuran, pengendalian 3. Adequacy of risk identification, measurement, risk
dan pemantauan risiko serta Sistem Informasi control and monitoring as well as a Risk Management
Manajemen Risiko. Arsitektur proses Manajemen Information System. The Company’s Risk Management
Risiko Perseroan menggunakan SNI ISO 31000:2018 process architecture refers to SNI ISO 31000:2018
(penerapan manajemen risiko berbasis risiko) mulai (risk-based implementation of Risk Management),
dari prinsip yang digunakan, framework dan standar starting from the principles used, framework, to Risk
proses Manajemen Risiko. Penerapan dilakukan dengan Management process standards. The implementation
menggunakan tools yang telah dibentuk oleh unit kerja is carried out using the tools formed by the Risk
Manajemen Risiko yang terdiri dari risk register on going Management work unit, which consists of a risk register
business dan monitoring pelaksanaan mitigasi risk on going business and monitoring of the mitigation of
register, matriks yang digunakan sebagai alat untuk risk register, a matrix used as a tool to measure/assess
melakukan pengukuran/penilaian risiko, level of guidance risk, level of guidance to manage risk. The assessment
untuk mengelola risiko. Penilaian dilakukan oleh seluruh is conducted by all work units of the Company (as risk
unit kerja Perseroan (risk owner). owners).
Pelaksanaan proses Manajemen Risiko Perseroan The Company’s Risk Management process is conducted
dilakukan sebagai berikut: as follows:
a. Identifikasi Risiko a. Risk Identification
1) Identifikasi risiko yang melekat pada kegiatan 1) Identification of risks inherent in work unit
unit kerja dilakukan oleh masing-masing pemilik activities is conducted by each risk owner in
risiko (risk owner) berkoordinasi dengan masing- coordination with each risk champion from each
masing risk champion dari masing-masing unit work unit with the aim of encouraging work
kerja dengan tujuan untuk mendorong unit kerja units to identify risks inherent in their respective
mengidentifikasi risiko yang melekat pada fungsi functions and mitigate the risks they face;
masing-masing dan melakukan mitigasi atas risiko 2) Applying methods which can be used for all
yang dihadapinya; activities in the Company;
2) Menggunakan metode yang dapat berlaku untuk 3) Results of the risk profile of each function/work
seluruh aktivitas Perseroan; unit are documented as a risk register.
3) Hasil profil risiko dari setiap fungsi/unit kerja
didokumentasikan sebagai risk register.
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b. Pengukuran Risiko b. Risk Measurement
1) Sistem pengukuran risiko digunakan untuk 1) 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 is
Pengukuran risiko dilakukan secara done periodically on the Company’s business and
berkala terhadap aktivitas bisnis dan operational activities;
operasional Perseroan; 2) Each function/work unit measures each risk in the
2) Setiap fungsi/unit kerja melakukan pengukuran risk register on going business both quantitatively
setiap risiko di dalam risk register on going and qualitatively with reference to past trends
business baik yang bersifat kuantitatif maupun and estimates of the Company's potential losses
kualitatif dengan mengacu pada kecenderungan and appropriate assumptions to support accuracy
yang terjadi di masa lalu dan estimasi potensi and fairness.
kerugian Perusahaan serta asumsi yang sesuai c. Risk control
untuk mendukung akurasi dan kewajaran. The Company carries out the Risk control,
c. Pengendalian Risiko. among others by hedging mechanisms and risk
Pengendalian risiko dilakukan oleh Perseroan antara mitigation methods.
lain dengan cara mekanisme lindung nilai, dan d. Risk Monitoring
metode mitigasi risiko. 1) The Company monitors the level of risk exposure,
d. Pemantauan Risiko. risk tolerance and the results of stress testing
1) Perseroan melakukan pemantauan terhadap on a regular and continuous basis, by comparing
besarnya exposure risiko, toleransi risiko the risks that arise with the risk limits that have
dan hasil stress testing secara berkala dan been set;
berkesinambungan dengan membandingkan 2) Monitoring the implementation of Risk Register
risiko yang muncul dengan limit risiko yang mitigation for each function/work unit is presented
telah ditetapkan. in monthly periodic reports and accompanied by
2) Pemantauan pelaksanaan mitigasi Risk Register evidence of mitigation implementation.
setiap fungsi/unit kerja disajikan dalam laporan e. Risk Management Information System
berkala setiap bulannya disertai dengan evidence The Company’s Risk Management Information System
pelaksanaan mitigasi. must be able to ensure the availability of accurate,
e. Sistem Informasi Manajemen Risiko. complete, informative, timely and reliable information.
Sistem Informasi Manajemen Risiko Perseroan harus As a result, it can be useful for the Board of Directors,
dapat memastikan tersedianya informasi yang akurat, Board of Commissioners, and related work units in
lengkap, informatif, tepat waktu dan dapat diandalkan the implementation of Risk Management to assess,
agar dapat digunakan Direksi, Dewan Komisaris monitor, and mitigate the risks faced by the Company
dan satuan kerja yang terkait dalam penerapan both overall/composite risk and per risk within the
Manajemen Risiko untuk menilai, memantau, dan framework of the decision-making process by the
memitigasi risiko yang dihadapi Perseroan baik Board of Directors.
risiko keseluruhan/komposit maupun per risiko dan/
atau dalam rangka proses pengambilan keputusan
oleh Direksi.
Dalam hal pengembangan infrastruktur sistem In terms of risk management information system
informasi manajemen risiko, Perseroan telah memiliki infrastructure development, the Company has a web-
Sistem Informasi Manajemen Risiko berbasis based Risk Management Information System.
Aplikasi web.
Adapun aplikasi tersebut adalah Tugu Enterprise The application is known as Tugu Enterprise Risk
Risk Management System (T-ERMS) yang merupakan Management System (T-ERMS) which is a system to
sebuah sistem untuk mendukung kegiatan support risk management administrative activities
administratif pengelolaan risiko mulai dari proses from risk identification, risk analysis, risk monitoring
identifikasi risiko, analisis risiko, monitoring risiko to risk report submission that can be executed easily
sampai dengan penyampaian laporan risiko yang and quickly.
dapat dilakukan secara mudah dan cepat.
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T-ERMS dibangun pada periode bulan Agustus 2021 T-ERMS was built in August 2021 and completed in
dan diselesaikan pada bulan Desember 2023 yang December 2023 and consists of 2 (two) modules,
terdiri dari 2 (dua) modul antara lain: such as:
1) Modul Tingkat Kesehatan Perusahaan Perseroan 1) Soundness Level Module of the Company
dengan model penilaian Risk Based Nonbank with Risk Based Nonbank Rating (RBNBR)
Rating (RBNBR). assessment model.
2) Modul manajemen risiko operasional. 2) Operational risk management module.
Perseroan telah memiliki Sistem Informasi The Company has a Risk Management Information
Manajemen Risiko yang antara lain diwujudkan dalam System which is manifested in the form of
bentuk penyampaian laporan sebagai berikut: submission of reports as follows:
1) Pelaporan hasil penilaian sendiri profil 1) Reporting the results of self-assessment of the
risiko terintegrasi konglomerasi keuangan financial conglomerate's integrated risk profile on
secara berkala; a regular basis;
2) Pelaporan Tingkat Kesehatan Perseroan 2) Risk-based reporting of the Company's
berbasis Risiko; Soundness Level;
3) Pelaporan monitoring pelaksanaan mitigasi Top 3) Reporting on monitoring implementation of Top
Risk Register on going business; Risk Register mitigation on going business;
4) Pelaporan Pemantauan Risk Appetite Statement, 4) Risk Appetite Statement Monitoring Reporting,
Early Warning System (Key Risk Indicator); Early Warning System (Key Risk Indicator);
5) Review limit risiko (rule rating) dalam penilaian 5) Review the risk limit (rule rating) in assessing the
profil faktor tingkat Kesehatan, yang mencakup Soundness level factor profile, which includes Risk
Profil Risiko, Rentabilitas dan permodalan. Profile, Profitability and capital;
6) Pencatatan dan pemutakhiran database untuk 6) Record and update database for potential and
potensial dan aktual kerugian Perusahaan; actual Company losses;
7) Uji pegendalian internal terhadap mitigasi risiko 7) Test of internal control on planned risk mitigation.
yang telah direncanakan; 8) Management follow-up plan.
8) Rencana tindak lanjut manajemen.
4. Sistem Pengendalian Internal yang menyeluruh. 4. Comprehensive Internal Control System.
Terselenggaranya sistem pengendalian internal Perseroan The implementation of the Company's reliable and
yang handal dan efektif menjadi tanggung jawab dari effective internal control system is the responsibility
seluruh satuan kerja operasional dan satuan kerja of all operational work units and supporting work units
pendukung serta satuan kerja audit internal. Perseroan as well as the internal audit work unit. The Company
menerapkan konsep three lines of defenses dalam applies the three lines of defenses concept in risk
dalam pengelolaan risiko. Pengelolaan risiko dilakukan management. Risk management is carried out by all
oleh semua lini organisasi, dan dilakukan pengawasan lines of the organization, and oversight is carried out by
(oversight) oleh Dewan Komisaris dan Direksi. Sebagai the Board of Commissioners and Directors. As a risk
risk owner, seluruh unit bisnis dan unit pendukung owner, all business units and support units function as
berfungsi sebagai first line of defense yang mengelola the first line of defense to manage risks related to their
risiko terkait unit kerjanya. Sementara itu, satuan work units. Meanwhile, the Risk Management work unit
kerja Manajemen Risiko dan satuan kerja Kepatuhan and Compliance work unit function as a second line of
berfungsi sebagai second line of defense yang memantau defense that monitors the implementation of corporate
penerapan kebijakan dan panduan Manajemen Risiko Risk Management policies and guidelines. Meanwhile,
secara korporasi. Sedangkan satuan kerja Audit Internal the Internal Audit work unit as the third line of defense is
sebagai third line of defense bertugas memberikan tasked with providing independence assurance regarding
jaminan independensi terhadap penerapan Manajemen the implementation of Risk Management in the Company.
Risiko di Perseroan.
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Perseroan melaksanakan sistem pengendalian internal The Company implements an internal control system in
dalam penerapan Manajemen Risiko dengan menerapkan the Risk Management implementation by applying Internal
Internal Control over Financial Reporting (ICoFR) yang Control over Financial Reporting (ICoFR) which is a Risk
merupakan Risk Control Self Assessment (RCSA) pada proses Control Self Assessment (RCSA) in the financial reporting
pelaporan keuangan untuk dapat mencegah dan mendeteksi process to prevent and detect material misstatements in a
salah saji material secara tepat waktu. timely manner.
Upaya Peningkatan Budaya Risiko
Efforts to Improve Risk Culture
Perseroan menilai bahwa memerlukan landasan inti yang The Company considers it is requires a solid foundation to
kuat dalam penerapan Manajemen Risiko yang efektif implementing effective risk management, in order to adopt
guna menanamkan prinsip kehati-hatian dan nilai-nilai the precautionary principle and the important values of risk
penting suatu risiko kepada seluruh karyawan. Unit in all employees. The Risk Management Unit proactively
Kerja Manajemen Risiko secara proaktif berusaha untuk makes efforts to improve the Company’s Risk Management
meningkatkan kemampuan Manajemen Risiko di Perseroan functions by providing full support and contribution in the
melalui pemberian dukungan dan kontribusi penuh dalam implementation of Risk Management, developing corporate
pelaksanaan Manajemen Risiko, mengembangkan budaya risk culture awareness throughout the Company’s processes
sadar risiko (corporate risk culture) ke seluruh proses by emphasizing the concept of everybody is risk manager.
Perseroan dengan menitikberatkan konsep risiko sebagai
tanggung jawab setiap orang (everybody is risk manager).
Satuan Kerja Manajemen Risiko (SKMR) melakukan The Risk Management Work Unit (SKMR) instilled a
penanaman budaya sadar risiko melalui kegiatan sepanjang risk-concious culture through activities throughout
tahun 2023 meliputi: 2023 including:
1. Pelatihan dan sosialisasi manajemen risiko. 1. Risk management training and dissemination.
2. Coaching clinic dan asistensi risk register. 2. Coaching clinic and risk register assistance.
3. Flyer dan banner. 3. Flyers and banners.
4. Display tv di area kantor. 4. TV display in the office area.
5. Penyebaran e-mail kepada seluruh karyawan. 5. Distributing e-mail to all employees.
6. Forum komunikasi manajemen risiko. 6. Risk management communication forum.
Efektivitas Penerapan Manajemen Risiko
Effectiveness of Risk Management Implementation
Implementasi Manajemen Risiko di Tugu Insurance dilakukan Implementation Tugu Insurance implements the Risk
berdasarkan Peraturan Otoritas Jasa Keuangan No. 44/ Management pursuant to the Financial Services Authority
POJK.05/2020 tentang Penerapan Manajemen Risiko bagi Regulation No. 44/POJK.05/2020 concerning the
Lembaga Jasa Keuangan Non-Bank dengan metode penilaian Implementation of Risk Management for Non-Bank Financial
sendiri dengan menggunakan model Risk Based Nonbank Services Institutions using the Self Assessment method.
Rating (RBNBR). Evaluasi Perseroan atas efektivitas sistem The Company’s evaluation of the effectiveness of the risk
manajemen risiko meliputi: management system includes:
1. Kebijakan dan prosedur yang digunakan untuk 1. Policies and procedures in assessing risks;
menilai risiko; 2. Development of risk exposure faced by the Company;
2. Perkembangan eksposur risiko yang dihadapi 3. Adequate policies, procedures, and risk
oleh Perseroan; limit determination;
3. Kecukupan kebijakan, prosedur dan penetapan 4. Adequacy of risk identification, measurement, monitoring
limit risiko; and control processes;
4. Kecukupan proses identifikasi, pengukuran, pemantauan 5. Effectiveness of a comprehensive internal
dan pengendalian risiko; control system.
5. Efektivitas sistem pengendalian internal
yang menyeluruh.
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Evaluasi atas efektivitas Manajemen Risiko dilakukan Evaluation of the effectiveness of Risk Management is
juga melalui laporan berkala yang dikirimkan kepada also done through periodic reports sent to the Board of
Dewan Komisaris, Dewan Pengawas Syariah dan Direksi Commissioners, the Sharia Supervisory Board and the Board
dalam Laporan Profil Risiko dan Laporan Tingkat of Directors in the Risk Profile Report and the Company’s
Kesehatan Perseroan. Sound Level Report.
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. 44/
tentang Penerapan Manajemen Risiko Bagi Lembaga Jasa POJK.05/2020 concerning Application of Risk Management
Keuangan Non-Bank, mewajibkan Perseroan menerapkan for Non-Bank Financial Services Institutions, the Company is
Manajemen Risiko untuk jenis risiko sebagai berikut: required to apply Risk Management for the following types
of risk:
a. Risiko Strategis; a. Strategic Risk;
b. Risiko Operasional; b. Operational Risk;
c. Risiko Asuransi; c. Insurance Risk;
d. Risiko Kredit; d. Credit Risk;
e. Risiko Pasar; e. Market Risk;
f. Risiko Likuiditas; f. Liquidity Risk;
g. Risiko Hukum; g. Legal Risk;
h. Risiko Kepatuhan; h. Compliance Risk;
i. Risiko Reputasi. i. Reputational Risk.
1. Risiko Strategi adalah risiko akibat ketidaktepatan dalam 1. Strategic Risk is the risk due to inaccuracy in making
pengambilan dan/atau pelaksanaan suatu keputusan and/or implementing a strategic decision and failure to
strategis serta kegagalan dalam mengantisipasi anticipate changes in the business environment. The
perubahan lingkungan bisnis. Dalam pengelolaan Risiko following are conducted by the Company in managing
Strategi, Perseroan antara lain: Strategic Risk:
a. Menyusun dan menetapkan strategi bisnis tahunan a. Developing and determining the annual business
yang dituangkan dalam Rencana Kerja Anggaran strategy as outlined in the Company’s Budget and
Perusahaan (RKAP); Plan (RKAP);
b. Menyusun dan menetapkan strategi bisnis jangka b. Developing and defining the medium-term and long-
menengah/panjang yang dituangkan dalam Rencana term business strategy as outlined in the Company’s
Jangka Panjang Perusahaan (RJPP); Long-Term Plan (RJPP);
c. Melakukan monitoring dan evaluasi pelaksanaan c. Monitoring and evaluating the implementation of the
strategi bisnis tahunan melalui pelaporan realisasi annual business strategy through periodic reporting of
RKAP secara rutin/berkala; the RKAP implementation;
d. Memantau pencapaian target bisnis dan d. Monitoring the achievement of business targets,
mengevaluasi permasalahan dan kelemahan yang evaluating the problems and weaknesses found, and
ditemukan serta menetapkan langkah-langkah determining the necessary corrective measures.
perbaikan yang diperlukan.
2. Risiko Operasional adalah risiko akibat ketidakcukupan 2. Operational Risk is the risk due to inadequate and/or
dan/atau tidak berfungsinya proses internal, kesalahan malfunctioning internal processes, human error, system
manusia, kegagalan sistem, dan/atau adanya kejadian failure, and/or external events that have the impact on
eksternal yang memengaruhi operasional Perseroan. the Company’s operations. In managing Operational Risk,
Dalam pengelolaan Risiko Operasional, Perseroan the Company does the following:
antara lain: a. Establishing organizational structure and meeting HR
a. Menetapkan struktur organisasi dan pemenuhan needs effectively and efficiently;
kebutuhan SDM secara efektif dan efisien; b. Developing and establishing a Work System in each
b. Menyusun dan menetapkan Sistem Tata Kerja (STK) function/work unit;
di masing-masing fungsi/unit kerja;
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c. Menetapkan Code of Conduct sebagai pedoman c. 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;
d. Menetapkan kebijakan larangan pemberian/ d. Issuing a policy of prohibition of giving and
penerimaan gratifikasi yang didukung dengan receiving gratuities, with the support of the
Whistleblowing System; Whistleblowing System;
e. Melakukan perawatan infrastruktur sistem Teknologi e. Performing routine maintenance of Information
Informasi secara rutin/berkala. Technology system infrastructure.
3. Risiko Asuransi adalah risiko kegagalan perusahaan 3. Insurance Risk is the risk of failure of 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 their obligations to policyholders, the insured, or
polis, tertanggung, atau peserta sebagai akibat dari participants due to the inadequacy of the risk selection
ketidakcukupan proses seleksi risiko (underwriting), process (underwriting), determination of premiums
penetapan premi atau kontribusi, penggunaan reasuransi, or contributions, use of reinsurance, and/or claims
dan/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: conducting the following:
a. Pembentukan treaty otomatis dengan a. Automatic treaty formation with reference to:
mengacu kepada: 1) Company’s business strategy;
1) Strategi bisnis Perseroan; 2) The Financial Services Authority Regulation No.
2) Peraturan Otoritas Jasa Keuangan No. 14/ 14/POJK.05/2015 concerning Self Retention and
POJK.05/2015 tentang Retensi Sendiri dan Domestic Reinsurance Support;
Dukungan Reasuransi Dalam Negeri; 3) Financial Services Authority Circular No. 31/
3) Surat Edaran Otoritas Jasa Keuangan No. 31/ SEOJK.05/2015 concerning Self Retention Limit,
SEOJK.05/2015 tentang Batas Retensi Sendiri, Reinsurance Support Amount, and Reinsurance/
Besar Dukungan Reasuransi, dan Laporan Retrocession Program Report.
Program Reasuransi/Retrosesi. b. Formulation and determination of underwriting
b. Penyusunan dan penetapan kebijakan underwriting, policy, underwriting authority, and claim authority in
kewenangan underwriting, dan kewenangan klaim accordance with the Company’s internal policies and
dengan mengacu kepada kebijakan internal Perseroan the provisions of related laws and regulations;
dan ketentuan peraturan dan perundangan terkait; c. Formulation and determination of claims handling
c. Penyusunan dan penetapan proses penanganan klaim process in accordance with Service Level Agreement
berdasarkan Service Level Agreement (SLA). (SLA).
4. Risiko Kredit adalah risiko akibat kegagalan pihak 4. Credit Risk is the risk occurring due to the failure of
lain dalam memenuhi kewajiban kepada Perseroan. other parties in fulfilling their obligations to the Company.
Pengelolaan Risiko Kredit oleh Perseroan antara lain The Company manages its Credit Risk by conducting
dilakukan dengan: the following:
a. Implementasi strategi dukungan reasuransi; a. Implementation of reinsurance support strategy;
b. Penentuan peringkat perusahaan reasuransi; b. Rating of reinsurance companies;
c. Penyusunan kebijakan investasi; c. Investment policy formulation;
d. Pemantauan alokasi aset investasi dan pemenuhan d. Monitoring of investment asset allocation and
terhadap batasan investasi yang diperkenankan; compliance with permitted investment limits;
e. Identifikasi risiko dan mitigasi terhadap risiko e. Identification and mitigation of credit risk,
kredit, khususnya terkait kolektabilitas premi, dan especially related to premium collectability and
risiko counterparty. counterparty risk.
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5. Risiko Pasar adalah risiko pada posisi aset, liabilitas, 5. Market Risk is the risk in the position of assets,
ekuitas, dan/atau rekening administratif termasuk liabilities, equity, and/or off-balance sheet including
transaksi derivatif akibat perubahan secara keseluruhan derivative transactions due to changes in overall market
dari kondisi pasar. Pengelolaan Risiko Pasar oleh conditions. The Company carries out its Market Risk
Perseroan antara lain dilakukan dengan: Management, among others, by:
a. Implementasi Asset Liability Management (ALMA); a. Implementation of Asset Liability Management
b. Penetapan limit risiko pasar yang mengacu pada (ALMA);
ketentuan internal dan peraturan perundang- b. Determination of market risk limits by referring
undangan yang berlaku. to internal provisions as well as applicable laws
and regulations.
6. Risiko Likuiditas adalah risiko akibat ketidakmampuan 6. Liquidity Risk is the risk due to the Company’s inability to
Perseroan untuk memenuhi liabilitas yang jatuh tempo meet maturing liabilities from cash flow funding sources
dari sumber pendanaan arus kas dan/atau dari aset and/or from liquid assets that can be easily converted
likuid yang dapat dengan mudah dikonversi menjadi into cash, without disturbing the Company’s activities and
kas, tanpa mengganggu aktivitas dan kondisi keuangan financial condition. The Company manages its Liquidity
Perseroan. Pengelolaan Risiko Likuiditas oleh Perseroan Risk by, among others:
antara lain dilakukan dengan:
a. Menetapkan limit-limit yang mengacu pada ketentuan a. Establishing limits that refer to internal provisions
internal dan peraturan perundang-undangan and applicable laws and regulations;
yang berlaku; b. Conducting solvability stress testing to determine
b. Melakukan stress testing solvabilitas untuk the impact of changes in market factors and
mengetahui dampak perubahan faktor pasar maupun internal factors in extreme conditions (crises) to
faktor internal pada kondisi ekstrim (krisis) terhadap liquidity condition;
kondisi likuiditas; c. Monitoring external indicators including Rupiah
c. Memonitor indikator-indikator eksternal di antaranya, interest rate, USD/IDR exchange rate, Composite
suku bunga Rupiah, nilai tukar USD/IDR, Indeks Stock Price Index (JCI), as well as the latest market
Harga Saham Gabungan (IHSG), serta informasi pasar updates. The monitoring activity aims to increase
terkini. Monitoring ini bertujuan untuk meningkatkan awareness of unfavorable economic conditions,
kewaspadaan terhadap kondisi ekonomi yang kurang both on global crisis conditions and various
stabil, baik karena kondisi krisis global maupun domestic issues;
karena berbagai isu di dalam negeri; d. Monitoring the payment claim rate (loss ratio) on a
d. Melakukan pemantauan tingkat pembayaran klaim regular basis;
(loss ratio) secara berkala; e. Conducting regular monitoring of the
e. Melakukan pemantauan solvabilitas Perseroan Company’s solvency.
secara berkala.
7. Risiko Hukum adalah risiko yang timbul akibat 7. Legal Risk is the risk that arises because of lawsuits
tuntutan hukum dan/atau kelemahan aspek hukum. and/or weaknesses in legal aspects. The Company
Pengelolaan Risiko Hukum oleh Perseroan antara lain carries out its Legal Risk Management, among others, by:
dilakukan dengan:
a. Melakukan identifikasi pengukuran, pengendalian a. Identifying the measurement, control and monitoring
dan pemantauan terhadap aktivitas Perseroan, salah of the Company’s activities, one of which is marketing
satunya adalah aktivitas pemasaran khususnya kerja activities especially partnership with third parties;
sama dengan pihak ketiga; b. Reviewing policy of new products to be registered with
b. Melakukan review terhadap policy wording produk the regulator;
baru yang akan didaftarkan kepada regulator; c. Implementing legal forum to discuss matters related
c. Melaksanakan legal forum untuk membahas hal- to legal risks and conduct sharing sessions on
hal terkait dengan risiko hukum dan melaksanakan related important issues.
sharing session terhadap isu-isu penting
yang dihadapi.
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8. Risiko Kepatuhan adalah risiko akibat Perseroan tidak 8. Compliance Risk is the risk that occurs because
mematuhi dan/atau tidak melaksanakan peraturan the Company does not comply with and/or does not
perundang-undangan dan ketentuan yang berlaku bagi implement the laws and regulations that apply to the
Perseroan. Pengelolaan Risiko Kepatuhan oleh Perseroan Company. The Company carries out its Compliance Risk
antara lain dilakukan dengan: Management, among others, by:
a. Monitoring terkait pemenuhan kewajiban Perseroan a. Monitoring matters related to the fulfillment of the
atas regulasi baru. Satuan kerja kepatuhan Company’s obligations under the new regulations.
melaksanakan prudential meeting, me-monitor action Compliance work unit conducts prudential meetings,
plan yang perlu dilakukan, dan me-reminder kewajiban monitors action plans, and acts as reminder of
regulasi kepada unit kerja terkait; regulatory obligations to related work units;
b. Program Uji Kepatuhan. Program ini merupakan b. Compliance Test Program. This is a program in to
program dalam rangka meningkatkan awareness risk increase awareness of risk owners of compliance
owner terhadap risiko kepatuhan dan regulasi yang risks and applicable regulations (according to their
berlaku (sesuai tugas dan tanggung jawabnya); duties and responsibilities);
c. Sebagai upaya meningkatkan pemahaman terkait c. As an effort to increase an understanding related
pengelolaan risiko kepatuhan, Perseroan bekerjasama to compliance risk management, the Company
dengan pihak ketiga untuk menyelenggarakan collaborates with third parties to organize training
training antara lain mengenai anti pencucian uang sessions, such as regarding anti-money laundering
dan gratifikasi. and gratuities.
9. Risiko Reputasi adalah risiko akibat menurunnya tingkat 9. Reputational Risk is the risk that occurs due to a
kepercayaan pemangku kepentingan yang bersumber dari decrease in the level of stakeholder trust that arises
persepsi negatif terhadap Perseroan. Pengelolaan Risiko from negative perceptions of the Company. The Company
Reputasi oleh Perseroan antara lain dilakukan dengan: carries out its Reputational Risk Management, among
a. Meningkatkan brand image & pengakuan melalui re- others, by:
branding dan campaign; a. Re-branding and campaigns to improve brand image &
b. Tersedianya saluran resmi untuk menerima keluhan recognition;
dan pertanyaan dari nasabah yaitu melalui Tugu b. Official channel available to receive complaints and
Insurance Assistant (Call TIA) 1500458; questions from customers, namely Tugu Insurance
c. Monitoring dan evaluasi atas berbagai pemberitaan Assistant (Call TIA) 1500458;
baik di media cetak, online, elektronik maupun media c. Monitoring and evaluating various reports in print,
sosial secara periodik untuk mengukur efektivitas online, electronic, and social media periodically
aktivitas publikasi dan komunikasi Perseroan. to measure the effectiveness of the Company’s
publications and communications activities.
Penilaian Tingkat Kesehatan Perseroan
Company Soundness Level Assessment
Berdasarkan Surat Edaran Otoritas Jasa Keuangan (SEOJK) Based on the Financial Services Authority Circular Letter
No. 01/SEOJK.05/2021 mencerminkan kondisi Perusahaan (SEOJK) No. 01/SEOJK.05/2021 this reflects the condition
yang secara umum sehat, sehingga dinilai mampu of the Company is generally sound, so it is considered
menghadapi pengaruh negatif yang signifikan dari perubahan capable of facing significant negative influences from
kondisi bisnis dan faktor eksternal lain. changes in business conditions and other external factors.
Hal ini tercermin dari peringkat faktor penilaian Tingkat This is reflected in the rating of the Soundness Rating Factor
Kesehatan Lembaga Jasa Keuangan Non-Bank sebagaimana of Non-Bank Financial Services Institutions as referred to
dimaksud dalam SEOJK No. 1/SEOJK.05/2021 yang SEOJK No. 1/SEOJK.05/2021 requires 4 (four) assessment
mencakup 4 (empat) faktor penilaian yaitu: factors, namely:
• Tata Kelola Perusahaan yang Baik; • Good Corporate Governance;
• Profil Risiko; • Risk Profile;
• Rentabilitas; • Profitability;
• Permodalan. • Capital.
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Di tahun 2023, Perseroan mengukur Peringkat Komposit In 2023, the Company measured the Composite Rating of
Tingkat Kesehatan Perusahaan Asuransi secara mandiri the Soundness Level of Insurance Companies independently
(self-assessment) dengan hasil kesehatan Perseroan berada (self-assessment) which showed that the Company's
di Peringkat Komposit 2 (dua). Hal tersebut mencerminkan soundness was at Composite Rank 2 (two). This reflects that
bahwa kondisi Perusahaan yang secara umum sehat, the Company's condition is generally sound, and therefore
sehingga dinilai mampu menghadapi pengaruh negatif yang is considered capable of facing significant negative impact
signifikan dari perubahan kondisi bisnis dan faktor eksternal from changing business conditions and other external
lain tercermin dari peringkat faktor-faktor penilaian antara factors as reflected in the rating of assessment factors
lain Penerapan Tata Kelola Perusahaan yang Baik bagi including the Implementation of Good Corporate Governance
Perusahaan, Profil Risiko, Rentabilitas dan Permodalan yang for Companies, Risk Profile, Profitability and generally
secara umum baik. good Capital.
Faktor Penilaian Peringkat Definisi Peringkat
No.
Assessment Factor Rank Ranking Definition
1. Tata kelola perusahaan yang baik bagi Perusahaan
2 2
Good Corporate Governance for the Company
2. Profil Risiko
2 2
Risk Profile
3. Rentabilitas
2 2
Profitability
4. Permodalan
1 1
Capital
Peringkat Komposit Tingkat Kesehatan
2 2
Composite Rating of Soundness Level
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 implementation of integrated
terintegrasi. Oleh karenanya, Perseroan diwajibkan untuk Risk Management. Therefore, the Company is required to
menyusun dan melaporkan Tingkat Kesehatan secara compile and report a Consolidated Soundness Level in
Konsolidasi sesuai dengan SEOJK No 1/SEOJK.05/2021 accordance with SEOJK No 1/SEOJK.05/2021 concerning
tentang Peniliaian Tingkat Perusahaan Asuransi, Perusahaan the Level Assessment of Insurance Companies, Sharia
Asuransi Syariah, Perusahaan Reasuransi Syariah. Penilaian Insurance Companies, Sharia Reinsurance Companies.
dilakukan menggunakan metode penilaian sendiri dengan The assessment is conducted using a self-assessment
menggunakan model Risk Based Nonbank Rating (RBNBR) method using the Risk Based Non-Bank Rating (RBNBR)
dengan melakukan penilaian tingkat kesehatan yang wajib model by assessing the soundness level that must be
dikelola dalam Manajemen Risiko konsolidasi. Hasil self- managed in consolidated Risk Management. The results of
assessment tingkat Kesehatan konsolidasi keuangan Tugu Insurance's financial consolidation soundness level
Tugu Insurance merupakan gabungan dari self-assessment self-assessment are a combination of self-assessment
anggota konsolidasi keuangan dari Perseroan, anak of financial consolidation members of the Company,
Perusahaan dan cucu Perusahaan. subsidiaries and sub-subsidiaries of the Company.
Peringkat Komposit Tingkat Kesehatan Perseroan periode The Composite Rating of the Company's Soundness Level for
31 Desember 2023 secara penilaian konsolidasi dengan the period 31 December 2023 in a consolidated assessment
Anak Perusahaan/Cucu Perusahaan dan Afiliasi berada with Subsidiaries/Sub-Subsidiaries and Affiliates is at Rank
pada Peringkat 2 (dua). Berdasarkan SEOJK No. 1/ 2 (two). Based on SEOJK No. 1/SEOJK.05/2021, this
SEOJK.05/2021 hal ini mencerminkan kondisi Perusahaan reflects The Company's condition is generally sound, so that
yang secara umum sehat, sehingga dinilai mampu it is considered capable of facing significant negative impact
menghadapi pengaruh negatif yang signifikan dari perubahan from changes in business conditions and other external
kondisi bisnis dan faktor eksternal lain tercermin dari factors, reflected in the ranking of assessment factors,
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peringkat faktor-faktor penilaian antara lain Penerapan Tata including the Implementation of Good Corporate Governance
Kelola Perusahaan yang Baik bagi Perusahaan, Profil Risiko, for the Company, Risk Profile, Profitability and generally very
Rentabilitas dan Permodalan yang secara umum sangat baik. good capital.
Faktor Penilaian Peringkat Definisi Peringkat
No.
Assessment Factor Rank Ranking Definition
1. Tata kelola perusahaan yang baik bagi Perusahaan
2 2
Good Corporate Governance for the Company
2. Profil Risiko
2 2
Risk Profile
3. Rentabilitas
2 2
Profitability
4. Permodalan
2 1
Capital
Peringkat Komposit Tingkat Kesehatan
2 2
Composite Rating of Soundness Level
Penilaian Peringkat Profil Risiko Perseroan Individual
Individual Company Risk Profile Rating Assessment
Peringkat Komposit Profil Risiko Perseroan secara individual The Composite Rating of the Company's individual Risk
periode 31 Desember 2023 yang dinilai adalah Peringkat Profile for the period 31 December 2023 assessed is
2 (dua). Peringkat Risiko Inheren periode 31 Desember Rank 2 (two). The Inherent Risk Rating for the period 31
2023 tergolong Peringkat 2 (Sedang Rendah), sementara December 2023 is classified as Rank 2 (Low to Moderate),
Kualitas Penerapan Manajemen Risiko (KPMR) periode 31 while the Quality of Risk Management Implementation
Desember 2023 tergolong Peringkat 2 (Agak Kuat), yang (KPMR) for the period 31 December 2023 is classified as
berarti kemungkinan kerugian yang dihadapi selama periode Rank 2 (Satisfactory), which means the possibility of losses
waktu tertentu di masa datang untuk Tingkat Risiko Inheren faced during a certain period of time in the future for the
tergolong Rendah, serta Kualitas Penerapan Manajemen Inherent Risk Level is classified as Low, and the Quality of
Risiko (KPMR) memadai meskipun terdapat beberapa Risk Management Implementation (KPMR) is adequate even
kelemahan minor yang dapat diselesaikan pada aktivitas though there are several minor weaknesses that can be
bisnis normal. resolved during normal business activities.
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
2 2 2
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
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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 Kepatuhan
1 2 1
Compliance Risk
Risiko Reputasi
2 2 2
Reputation Risk
Peringkat Komposit
2 2 2
Composite Rating
Pernyataan atas Kecukupan Sistem Manajemen Risiko
Statement on Risk Management System Adequacy
Berdasarkan hasil evaluasi yang dilakukan, Komite Audit Based on the results of the evaluation, the Audit Committee
menyimpulkan bahwa penerapan Sistem Manajemen concluded that the implementation of the Risk Management
Risiko di Perseroan sudah cukup memadai untuk menjaga System in the Company is sufficient to prevent the Company
Perseroan dari potensi kerugian yang ditimbulkan oleh from potential losses incurred by the Company's business
kegiatan usaha Perseroan serta untuk membantu Perseroan activities and to assist the Company in achieving the
dalam mencapai sasaran yang ditetapkan. targets set.
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5.I.
Tata Kelola Teknologi Informasi
Information Technology Governance
Teknologi Informasi (TI) merupakan salah satu aspek penting Information Technology (IT) is an important aspect in
dalam mendukung inovasi digital Tugu Insurance. Penerapan supporting Tugu Insurance's digital innovation. The
TI menjadi bentuk wujud nyata Perseroan dalam upaya application of IT is a concrete form of the Company's efforts
adaptasi terhadap perkembangan bisnis serta menghadirkan to adapt to business developments as well as deliver quality
layanan berkualitas dan menyediakan kemudahan akses services and provide easy online access quickly, anytime
daring secara cepat, kapan saja, dan dimana saja. and anywhere.
Perkembangan dunia TI yang semakin pesat mendorong The rapid development of the IT world encourages the
Perseroan untuk terus berupaya mengembangkan penerapan Company to continuously developing the implementation of
TI, sehingga diharapkan Perseroan dapat memperkuat IT, which is expected to strengthen the Company's position
posisi dalam menghadapi persaingan usaha yang semakin in dealing with increasingly competitive business competition
kompetitif dengan mengintegrasikan seluruh bisnis yang ada by integrating all existing businesses, especially in the
khususnya dalam bidang usaha perasuransian. insurance business.
Visi dan Misi Tata Kelola Teknologi Informasi
Vision and Mission of Information Technology Governance
Mewujudkan peran IT sebagai enabler dalam menunjang pencapaian visi Perusahaan.
Realizing IT’s role as enabler in supporting the Company’s vision.
Struktur Pengelola Teknologi Informasi
Information Technology Management Structure
Teknologi Informasi di Tugu Insurance dikelola oleh Direktur Information Technology at Tugu Insurance is managed by the
Keuangan dan Layanan Korporat Bapak Emil Hakim dengan Finance & Corporate Services Director Mr. Emil Hakim with
struktur organisasi sebagai berikut: the following organizational structure:
Finance & Corporate Service
Director
Information Technology &
Facilities Group Head
Application Infrastructure & Master Data
Shared Service ERP
Development Dept. Facilities Management Dept.
Dept. Head Dept. Head
Head Dept. Head Head
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ITF Group dipimpin oleh Pjs Arga Fajar Syah selaku ITF Group The ITF Group is led by Arga Fajar Syah who serves as
Head dan bertanggung jawab langsung kepada Direktur (acting) ITF Group Head and reports directly to the Director of
Keuangan dan Layanan Korporat. Corporate Finance and Service.
Dukungan Tugu Insurance Solutions (TIS) dalam Aktivitas Bisnis
Tugu Information Solution (TIS) Support in Tugu Insurance’s Business Activities
Tugu Insurance telah memiliki Tugu Insurance Solution (TIS), Tugu Insurance already utilizes Tugu Insurance Solution
yakni Sistem Manajemen Informasi Enterprise Resource (TIS), an Enterprise Resource Planning (ERP) Information
Planning (ERP) yang mengintegrasikan seluruh proses bisnis Management System that integrates all Corporate Business
dalam Perseroan baik Bisnis Korporasi maupun Bisnis Ritel. and Retail Business processes in the Company.
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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Mitigasi Disrupsi Teknologi Informasi
Information Technology Disruption Mitigation
Inisiatif Strategi | Strategic Initiatives
Optimalisasi KPTI (Komite Pengarah Teknologi Informasi)
[S1-01] [01-T1]
Optimization of KPTI (Information Technology Steering Committee) 1
Menguatkan Tim IT System Analyst dalam komunikasi kebutuhan pengguna
(GH & DH) khususnya terkait digitalisasi; Pemberdayaan counterpart (super user)
[S1-02] [S2-T2] Strengthening the IT System Analyst Team in communicating user needs (GH
& DH), especially related to digitization; Empowerment of counterparts (super
2
users)
Meningkatkan kualitas personil IT dengan pelatihan/sertifikasi kompetensi baik
hardskill spesifik IT maupun softskill dan mindset
[W3-W4]
Improving the quality of IT personnel with competency training/certification both 1
IT specific hard skills, soft skills, and mindset
Menjaga kualitas layanan IT dengan menerapkan service level management;
Melakukan survei kepuasan pengguna
[S2-T1]
Maintaining the quality of IT services by implementing service level 1 2 3
management; Conducting user satisfaction surveys
Melanjutkan roadmap digitalisasi proses bisnis dan mendorong kapabilitas
cost-benefit analysis (CBA) pada salah satu fungsi di level Perusahaan
[S2-02]
Continuing the business digitalization process roadmap and encourage cost- 1 2 3
benefit analysis (CBA) capability in one of the functions at the Company level
Menyusun, memformalkan, dan melaksanakan dokumentasi tata kelola IT
(pedoman, SOP/TKO, standar/TKK) baik aplikasi, data, maupun infrastruktur IT
[W2-T2] Developing, formalizing, and implementing IT governance documentation
(guidelines, SOP/TKO, standards/TKK) for applications, data, and IT
1
infrastructure
Menugaskan peran tata kelola IT secara definitif untuk memastikan kesesuaian
[S3-T2] [S3-W2] IT roadmap, pelaksanaan SITAP, dan kepatuhan pada aturan/regulasi terkait IT
[01-W4] Assigning a definitive IT governance role to ensure compliance with IT roadmap, 1
SITAP implementation, and compliance with IT-related rules/regulations
Melaksanakan pengamanan IT (hardening, VAPT, WAF, SMKI), termasuk
[W1-T3] [W3-T3] optimalisasi Security Operation Center dengan knowledge transfer ke internal
[03-T5] Implementing IT security (hardening, VAPT, WAF, SMKI), including optimization of 1 2 3
Security Operation Center with internal knowledge transfer
Mengelola risiko penggunaan IT sesuai aturan/regulasi, termasuk risiko
ketergantungan dengan pihak eksternal
[S3-T5]
Managing the risk of using IT in accordance with rules/regulations, 1 2 3
including the risk of dependence on external parties
1 Tata kelola Governance 2 Aplikasi Application 3 Infra Infrastructure
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Cyber Security (Keamanan Dunia Maya)
Cyber Security
Cyber Security, atau keamanan dunia maya, mengacu pada Cyber Security, refers to practices and technologies designed
praktik dan teknologi yang dirancang untuk melindungi to protect computer systems, devices, networks, and data
sistem komputer, perangkat, jaringan, dan data dari from cyber attack, damage, or unauthorized access. The aim
serangan, kerusakan, atau akses yang tidak sah. Tujuannya is to prevent, detect and respond to cyber threats that could
adalah untuk mencegah, mendeteksi, dan merespons compromise the integrity, confidentiality and availability of
ancaman cyber yang dapat mengganggu integritas, critical information.
kerahasiaan, dan ketersediaan informasi penting.
Praktik keamanan dunia maya tidak hanya dilakukan oleh Cyber security practices are not limited to be implemented
individu, tetapi juga oleh perusahaan dan instansi lainnya. by individuals only, but also by companies and other
Tindakan ini bertujuan untuk melindungi pusat data dan agencies. This action aims to protect data centers and
infrastruktur komputer lainnya dari akses yang tidak other computer infrastructure from unauthorized access.
sah. Strategi keamanan dunia maya yang efektif dapat An effective cyber security strategy can provide a solid layer
memberikan lapisan perlindungan yang kuat terhadap of protection against attacks that attempt to get access,
serangan yang berusaha untuk mengakses, mengubah, modify, remove or extort system and sensitive data from the
menghapus, atau memeras sistem dan data sensitif dari users. Cyber Security is also crucial in preventing attacks
pengguna. Keamanan dunia maya juga memiliki peran that try to interfere with or even stop devices and systems
penting dalam mencegah serangan yang bertujuan untuk from operating.
mengganggu atau bahkan menghentikan operasi sistem
dan perangkat.
Ada berbagai jenis keamanan dunia maya yang berfokus There are various types of cyber security that focus on
pada perlindungan aspek-aspek spesifik dari sistem dan protecting specific aspects of systems and data, including:
data, diantaranya:
1. Keamanan Jaringan: Melindungi infrastruktur jaringan dari 1. Network Security: Protecting network infrastructure
serangan dan ancaman. Ini mencakup konfigurasi firewall, from cyber attacks and threats. This includes firewall
deteksi intrusi, enkripsi data, dan manajemen akses. configuration, intrusion detection, data encryption, and
2. Keamanan Perangkat Lunak: Fokus pada perlindungan access management.
aplikasi dan sistem operasi dari serangan perangkat 2. Software Security: Focus on protecting applications
lunak berbahaya seperti virus, worm, trojan, dan and operating systems from malicious software attacks
ransomware. Ini melibatkan pembaruan perangkat such as viruses, worms, trojans and ransomware. This
lunak yang teratur, pemindaian malware, dan penerapan involves regular software updates, malware scanning, and
kebijakan keamanan. implementing security policies.
3. Keamanan Perangkat Keras: Mengamankan perangkat 3. Hardware Security: Securing computer hardware such as
keras komputer seperti server, router, dan perangkat servers, routers, and storage devices from unauthorized
penyimpanan dari akses yang tidak sah dan kerusakan access and physical damage. This involves the use
fisik. Ini melibatkan penggunaan teknologi seperti of technologies such as disk encryption and physical
enkripsi disk dan kontrol akses fisik. access controls.
4. Keamanan Data: Melindungi data sensitif dari akses 4. Data Security: Protects sensitive data from unauthorized
yang tidak sah, pencurian, atau penghapusan tidak sah. access, theft or unauthorized data deletion. This involves
Ini melibatkan enkripsi data, manajemen hak akses, dan data encryption, access management, and data recovery.
pemulihan data. 5. Identity Security: Focus on protecting user identity from
5. Keamanan Identitas: Fokus pada perlindungan theft and unauthorized use. This includes the use of
identitas pengguna dari pencurian dan penggunaan multi-factor authentication, identity management, and
tidak sah. Ini mencakup penggunaan otentikasi monitoring user activity.
multi-faktor, manajemen identitas, dan pemantauan 6. Web Application Security: Protects web applications from
aktivitas pengguna. various attacks such as SQL injection, cross-site scripting
6. Keamanan Aplikasi Web: Melindungi aplikasi web dari (XSS), and cross-site request forgery (CSRF). This
berbagai serangan seperti SQL injection, cross-site involves developing secure code, application scanning,
scripting (XSS), dan cross-site request forgery (CSRF). Ini and proper server configuration.
melibatkan pengembangan kode yang aman, pemindaian
keamanan aplikasi, dan konfigurasi server yang tepat.
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7. Keamanan Cloud: Fokus pada perlindungan data 7. Cloud Security: Focus on protecting data and applications
dan aplikasi yang disimpan di lingkungan cloud. Ini stored in the cloud environment. This involves the use
melibatkan penggunaan enkripsi data, manajemen of data encryption, identity management, and strict
identitas, dan kontrol akses yang ketat. access controls.
8. Keamanan Mobile: Mengamankan perangkat mobile 8. Mobile Security: Secures mobile devices and applications
dan aplikasi dari serangan seperti malware, serangan from attacks such as malware, network attacks, and data
jaringan, dan pencurian data. Ini melibatkan penggunaan theft. This involves the use of mobile security software,
perangkat lunak keamanan mobile, enkripsi data, dan data encryption, and access management.
manajemen hak akses. 9. Endpoint Security: Protects endpoint devices such as
9. Keamanan Endpoint: Melindungi perangkat akhir seperti personal computers, laptops and smartphones from
komputer pribadi, laptop, dan smartphone dari serangan attacks and threats. This involves the use of endpoint
dan ancaman. Ini melibatkan penggunaan perangkat security software, advanced threat detection, and
lunak keamanan endpoint, deteksi ancaman lanjutan, dan device management.
manajemen perangkat.
Adapun beberapa ancaman keamanan dunia maya yang There are several common cyber security threats, including:
umum terjadi, diantaranya:
1. Malware: Termasuk virus, worm, trojan, ransomware, dan 1. Malware: Including viruses, worms, trojans, ransomware,
spyware yang dapat merusak sistem, mencuri data, atau and spyware that can damage systems, steal data, or
memeras uang dari korban. extort money from victims.
2. Serangan Phishing: Upaya untuk memperoleh informasi 2. Phishing Attack: Attempts to obtain sensitive information
sensitif seperti kata sandi dan informasi keuangan such as passwords and financial information by
dengan menyamar sebagai entitas tepercaya melalui impersonating a trusted entity via email, text message, or
email, pesan teks, atau media sosial. social media.
3. Serangan DDoS: Serangan yang bertujuan untuk 3. DDoS Attack: The attack that aims to make online
membuat layanan online tidak tersedia dengan services unavailable by sending huge amounts of internet
mengirimkan lalu lintas internet yang sangat besar ke traffic to a server or network.
server atau jaringan. 4. Man-in-the-Middle (MitM) attack: The attacker steals or
4. Serangan Man-in-the-Middle (MitM): Penyerang mencuri manipulates communications between two supposedly
atau memanipulasi komunikasi antara dua pihak yang secure parties, such as a user and a server.
seharusnya aman, seperti pengguna dan server. 5. Ransomware Attack: Malicious software that encrypts the
5. Serangan Ransomware: Perangkat lunak berbahaya yang victim's data and demands a ransom payment to obtain
mengenkripsi data korban dan meminta pembayaran the decryption key.
tebusan untuk mendapatkan kunci dekripsi. 6. Espionage and Data Theft: Attackers seek confidential
6. Pengintaian dan Pencurian Data: Penyerang mencari information, intellectual property, or personal data for
informasi rahasia, properti intelektual, atau data pribadi financial or political gain.
untuk keuntungan finansial atau politik. 7. Insider Threats: Threats from within the organization,
7. Serangan Insider: Ancaman dari dalam organisasi, such as dishonest employees or former employees who
seperti pegawai yang tidak jujur atau mantan pegawai have access to the system.
yang memiliki akses ke sistem.
Keamanan dunia maya adalah aspek penting dalam dunia Cyber Security is an important aspect in the digital world
digital yang terus berkembang. Melindungi sistem dan that is continously evolving. Protecting systems and data
data dari ancaman cyber membutuhkan kombinasi strategi from cyber threats requires a strong combination of technical
teknis, kebijakan, dan kesadaran pengguna yang kuat. strategy, policy, and user awareness. By having a good
Dengan pemahaman yang baik tentang ruang lingkup understanding of the scope of cyber security and possible
keamanan dunia maya dan ancaman yang mungkin terjadi, threats, organizations can develop effective strategies to
organisasi dapat mengembangkan strategi yang efektif untuk reduce risks and protect their digital assets.
mengurangi risiko dan melindungi aset digital mereka.
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Disaster Recovery (Pemulihan Bencana)
Disaster Recovery
Terjadinya bencana yang sering tidak dapat diprediksi Disaster which are often unpredictable encourages the
mendorong perusahaan untuk selalu siap dalam menghadapi Company to always be prepared to face the worst possibility
kemungkinan terburuk pada masa mendatang. Disaster in the future. Disaster Recovery (DR) is a concept that aims
Recovery (DR) adalah konsep yang bertujuan untuk to protect all IT systems, applications and devices from
melindungi semua sistem, aplikasi, dan perangkat IT dari various types of disasters that may occur in the future. The
berbagai jenis bencana yang mungkin terjadi di masa main goal of disaster recovery is to take preventive steps
mendatang. Tujuan utama dari disaster recovery adalah against unexpected events in the future.
untuk mengambil langkah-langkah pencegahan terhadap
kemungkinan kejadian yang tidak terduga di masa depan.
Beberapa bencana atau kondisi yang dapat menyebabkan The following are some conditions or disasters that may
perusahaan harus melakukan Disaster Recovery diantaranya: require a company to implement Disaster Recovery:
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 disasters
alam seringkali dapat mengakibatkan kerusakan fisik can often result in physical damage to a company's IT
pada infrastruktur IT dan pusat data perusahaan. infrastructure and data centers.
2. Kegagalan Perangkat Keras: Kegagalan perangkat keras 2. Hardware Failure: Failure of hardware such as a primary
seperti server utama, penyimpanan data, atau perangkat server, data storage, or network device can disrupt
jaringan dapat mengganggu operasi bisnis. Ini bisa business operations. This can be caused by physical
disebabkan oleh kegagalan komponen fisik, overheat, component failure, overheating, or electrical failure.
atau kegagalan listrik. 3. Cyber Attacks: Malware attacks, ransomware,
3. Serangan Cyber: Serangan malware, ransomware, DDoS attacks, or other hacking attacks can cause
serangan DDoS, atau serangan hacking lainnya dapat damage to IT systems, data theft, or other significant
menyebabkan kerusakan pada sistem IT, pencurian data, service disruptions.
atau gangguan layanan yang signifikan. 4. Software Failure: Failure of an operating system,
4. Kegagalan Perangkat Lunak: Kegagalan sistem operasi, database, or critical business application can disrupt a
database, atau aplikasi bisnis kritis dapat mengganggu company's normal operations and cause loss of data
operasi normal perusahaan dan menyebabkan or productivity.
kehilangan data atau produktivitas. 5. Network Failure: Widespread network disruption or failure
5. Kegagalan Jaringan: Gangguan atau kegagalan jaringan can stop communications between systems, users, or
yang luas dapat menghentikan komunikasi antara sistem, external services, disrupting the flow of information and
pengguna, atau layanan eksternal, mengganggu aliran business processes.
informasi dan proses bisnis. 6. Physical Damage to IT Infrastructure: Physical damage
6. Kerusakan Fisik pada Infrastruktur IT: Kerusakan fisik resulting from fire, flood, or other accidents can cause
akibat kebakaran, banjir, atau kecelakaan lainnya dapat damage to hardware, data centers, or other IT facilities.
menyebabkan kerusakan pada perangkat keras, pusat 7. Health Disasters or Pandemics: Events such as
data, atau fasilitas IT lainnya. infectious disease pandemics or health disasters may
7. Bencana Kesehatan atau Pandemi: Kejadian seperti force companies to change their operating models or
pandemi penyakit menular atau bencana kesehatan given limited human resource availability, requiring rapid
dapat memaksa perusahaan untuk mengubah model and adaptive recovery plans.
operasi mereka atau menghadapi ketersediaan sumber
daya manusia yang terbatas, memerlukan rencana
pemulihan yang cepat dan adaptif.
Terdapat langkah-langkah dalam Disaster Recovery yang perlu These are steps in Disaster Recovery that need to be carried
dilakukan oleh perusahaan, diantaranya: out by companies, including:
1. Perencanaan Disaster Recovery 1. Disaster Recovery Planning
a. Identifikasi Risiko: Perusahaan harus mengidentifikasi a. Risk Identification: Companies must identify potential
potensi bencana atau insiden yang dapat disasters or incidents that could affect IT operations,
mempengaruhi operasi IT, seperti bencana alam, such as natural disasters, cyber-attacks, hardware
serangan cyber, kegagalan perangkat keras, failures, and others.
dan lainnya.
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b. Evaluasi Dampak: Memahami dampak potensial dari b. Impact Evaluation: Understand the potential impact
bencana atau insiden terhadap sistem IT, termasuk of a disaster or incident on IT systems, including
waktu pemulihan yang diharapkan dan kerugian expected recovery time and possible financial losses.
finansial yang mungkin timbul. c. Recovery Objective Setting: Establish required
c. Penetapan Tujuan Pemulihan: Menetapkan tingkat service levels and Recovery Time Objective (RTO)
layanan yang diperlukan dan target pemulihan waktu and Recovery Point Objective (RPO) targets for critical
(RTO) serta pemulihan titik (RPO) untuk sistem dan systems and data.
data kritis. d. Disaster Recovery Plan Development: Create a
d. Pengembangan Rencana DR: Membuat rencana detail detailed plan that includes recovery steps, personnel
yang mencakup langkah-langkah pemulihan, peran roles and responsibilities, and required tools
dan tanggung jawab personel, serta alat dan sumber and resources.
daya yang dibutuhkan.
2. Implementasi dan Pengujian 2. Implementation and Testing
a. Infrastruktur Pemulihan: Membangun infrastruktur DR a. Recovery Infrastructure: Build a Disaster Recovery
yang sesuai dengan kebutuhan perusahaan, seperti infrastructure that fits the company's needs, such as
pusat data cadangan, sistem cadangan, dan solusi backup data centers, backup systems, and backup
backup data. data solutions.
b. Pengujian Rencana: Melakukan pengujian b. Plan Testing: Conduct regular testing of the Disaster
reguler terhadap rencana DR untuk memastikan Recovery plan to ensure the effectiveness and
keefektifan dan kesiapan sistem dan personel readiness of systems and personnel to deal with
dalam menghadapi bencana. Ini termasuk pengujian disasters. This includes disaster scenario testing,
skenario bencana, simulasi pemulihan, dan latihan recovery simulations, and emergency response drills.
respons darurat.
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 set
telah ditetapkan dalam rencana DR. 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 dan For the Disaster Recovery to be executed properly
tepat, perusahaan perlu melakukan persiapan, diantaranya: and precisely, companies need to make preparations,
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, which includes recovery measures for
langkah pemulihan untuk berbagai jenis bencana various types of disasters or incidents.
atau insiden. 2. Backup Infrastructure: Prepare an adequate backup
2. Infrastruktur Cadangan: Membangun infrastruktur infrastructure, including a data backup center, replication
cadangan yang memadai, termasuk pusat data system, and reliable backup solutions.
cadangan, sistem replikasi, dan solusi backup yang 3. Effective Data Management: Perform regular data
dapat diandalkan. backups and store backup copies in a secure location
3. Pengelolaan Data yang Efektif: Melakukan backup data separated from the main data center.
secara teratur dan menyimpan salinan cadangan di 4. Personnel Training and Awareness: Training personnel
lokasi yang aman dan terpisah dari pusat data utama. on recovery procedures and provide awareness on
4. Pelatihan dan Kesadaran Personel: Melatih personel the importance of Disaster Recovery in maintaining
tentang prosedur pemulihan dan memberikan kesadaran business continuity.
tentang pentingnya Disaster Recovery dalam menjaga
kelangsungan bisnis.
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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.
Roadmap Teknologi Informasi
Information Technology Road Map
Dalam penyusunan Rencana Jangka Panjang Perusahaan In the preparation of the Company's Long-Term Plan (RJPP),
(RJPP), Perseroan berkontribusi secara mendalam dengan the Company comprehensively contributes by considering
mempertimbangkan hasil analisis SWOT (Strength, Weakness, the results of the SWOT (Strength, Weakness, Opportunity
Opportunity and Threat). Penerapan TI merupakan salah satu and Threat) analysis. IT implementation is one of the 8
dari 8 (delapan) pilar Program Kerja yang ditetapkan untuk (eight) pillars of the Work Program set to strengthen the
memperkuat fondasi pengembangan bisnis Perseroan dalam foundation of the Company's business development in order
rangka menjalankan kebijakan strategis dalam Rencana to implement the strategic policies in the Company's Long
Jangka Panjang Perusahaan (RJPP) 2019-2026. Term Plan (RJPP) 2019-2026.
Saat ini, Tugu Insurance sedang melakukan pengembangan Currently, Tugu Insurance is developing IT as outlined in
TI yang dituangkan dalam Technology Architecture Planning Technology Architecture Planning (SITAP) and authorized
(SITAP) dan disahkan melalui Surat Keputusan Direksi through Board of Directors’ Decree (SKD) No. 086/SKD/
(SKD) No. 086/SKD/ELG-ATPI/XII/2018. Berdasarkan SITAP, ELG-ATPI/XII/2018. Based on SITAP, Tugu Insurance's
rencana pengembangan Tugu Insurance dalam 5 (lima) tahun development plan in the last 5 (five) years regarding IT
terakhir mengenai pengembangan TI, antara lain: development, including:
1. Penyempurnaan Tata Kelola TI dan Sistem TI; 1. Improvement of IT Governance and IT Systems;
2. Penyediaan aplikasi baru untuk dukungan proses bisnis 2. Provision of new applications to support business
dan pengimplementasian big data; processes and implement big data;
3. Penyediaan Advance Predictive Analytic sebagai 3. Provision of Advance Predictive Analytics as an effort to
upaya dalam memberikan value dari memaksimalkan provide value from maximizing the use of IT services;
pemanfaatan layanan TI; 4. Implementation of Internet of Things (IoT) to enrich
4. Pelaksanaan realisasi Internet of Things (IoT) untuk external data;
memperkaya data eksternal; 5. Continuous stabilization of IT system.
5. Penstabilan sistem TI secara berkesinambungan.
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Adapun roadmap pengembangan TI sebagaimana tertuang The following table elaborates on the IT Development Road
dalam SITAP yang diperbaharui secara berkala adalah Map as contained in the regularly-updated SITAP:
sebagai berikut:
IT Road Map
IT as Utility IT as Partner IT as Enabler
2023 2024 2025 2026 2027 2028
ERP SAP S/4 HANA SAP FPSL Tugu Apps (B2B & B2C)
for Finance System Implementation (with AI, Blockchain & Smart Contract) - Front End
Tugu Insurance Core Single Sign On Middleware Management Digital Ecosystem
System (TICS) (SSO) Implementation System (with Blockchain Payment)
Tugu Sharia Data Science Tools &
Cloud Datacenter & DRC (Tugu Insurance & Subsidiaries)
ERP Core System DWH
Payment Gateway Tugu Insurance System for Subsidiaries (Core & Front End)
API Gateway IOT Facilities & Building Management
Cloud Security Services
H2H Payment
(DDoS Protection & WAF)
Application Operations
Pencapaian Teknologi Informasi Tahun 2023
Information Technology Achievements in 2023
Sepanjang tahun 2023, Perseroan telah melakukan berbagai Throughout 2023, the Company has carried out various
kinerja mengenai Teknologi Informasi, antara lain: performances regarding Information Technology, including:
• ERP SAP S/4 HANA for Finance System; • ERP SAP S/4 HANA for 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; • DOTS;
• Tugu Ticketing System. • Tugu Ticketing System.
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Rencana Kerja Teknologi Informasi Tahun 2024
Information Technology 2024 Work Plan
Seiring dengan kebijakan strategis Perseroan yang tercantum In line with the Company’s strategic policies stated in the
dalam RJPP. Tugu Insurance menyusun rencana kerja RJPP, Tugu Insurance has devised Information Technology
Teknologi Informasi untuk tahun 2024, antara lain: Work Plan 2024 as follows:
1. ERP 1. ERP
• Fase stabilisasi SAP & TICS. • Stabilizing Phase of SAP & TICS.
• Penyempurnaan SAP & TICS untuk automisasi. • SAP & TICS enhancement for automation.
2. Shared Service 2. Shared Service
• Dukungan operasional (Single Point of Contact) • Operational Support (Single Point of Contact)
(Integrasi ERP (Tugu & AP), Infra, & SF). (Integrating ERP (Tugu & AP), Infra, & SF).
• Penyempurnaan SOP dengan SLA & servis katalog • SOP enhancement with SLA & IT service catalog.
layanan TI. 3. Master Data Management Dept.
3. Master Data Management Dept. • E-Filing (Document Centralization).
• E-Filing (Document Centralization). 4. Infrastructure & Facilities Dept.
4. Infrastructure & Facilities Dept. • Data center Network improvement (Topology &
• Pembenahan Data center Network (Topology & Regulation).
Regulation). 5. Application Development
5. Pengembangan Aplikasi • Smoothing TICS.
• Smoothing TICS.
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Perkara Hukum yang Dihadapi Perseroan,
6.
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 2023, Anggota Direksi dan Anggota Dewan As of 31 December 2023, Members of the Board of
Komisaris Perseroan tidak terlibat dalam kasus hukum Directors and Members of the Board of Commissioners of
apapun dan/atau tidak sedang dalam proses beracara pada the Company were not involved in any legal cases and/or
lembaga pengadilan maupun arbitrase yang dapat memiliki were not in the process of litigation in courts or arbitrations
dampak signifikan atau memberikan risiko untuk Perseroan. that could have a significant impact or pose a risk to
the Company.
Perseroan pada 2023 menghadapi sejumlah perkara hukum In 2023, the Company faced a number of legal cases
yang masih dalam proses penyelesaian dengan rincian that are still in the process of being resolved with the
sebagai berikut: following details:
Pengaruh terhadap Kondisi
Pokok Perkara Deskripsi Status Penyelesaian
No. Perusahaan
Case Description Settlement Status
Potential Impact
1. Final Appeal No. 11 of 2022 Sengketa atas transaksi Sudah diputus oleh Final Meningkatkan laba konsolidasian
(Civil), on Appeal from CACV No. pemindahbukuan dan penutupan Appeal Court Hong Kong dan Perseroan secara signifikan.
548 of 2018) antara PT Asuransi rekening. berkekuatan hukum tetap. Dalam
Tugu Pratama Indonesia Tbk hal ini perkara dimenangkan oleh This case has significantly
melawan Citibank Hongkong. Disputes over book-entry and Tugu increased the consolidated profit
closing account transactions. of the Company.
Final Appeals No. 11 of 2022 The Judgement was released by
(Civil), on Appeal from CACV Hong Kong Court of Final Appeal,
No. 548 of 2018) between PT it has been final and binding and
Asuransi Tugu Pratama Indonesia Tugu won the legal case.
Tbk and Citibank Hong Kong.
2. Perkara No. 338/Pdt.G/ Gugatan Hak atas Subrogasi, PT Pengadilan Tinggi Jakarta. Tidak berpengaruh terhadap
2022/PN.Jkt.Tim antara Asuransi Tugu Pratama Indonesia laba/rugi konsolidasian
PT Asuransi Tugu Pratama Tbk terhadap Tergugat Jakarta High Court. Perseroan.
Indonesia Tbk melawan PT (PT Jasa Angkasa Semesta
Jasa Angkasa Semesta Tbk, Tbk, PT Transnusa Aviation This case has no impact on the
PT Transnusa Aviation Mandiri, Mandiri) dan Turut Tergugat consolidated profit/loss of the
Perusahaan Umum Lembaga (Perusahaan Umum Lembaga Company.
Penyelenggaraan Pelayanan Penyelenggaraan Pelayanan
Navigasi Penerbangan Indonesia Navigasi Penerbangan Indonesia
dan PT Angkasa Pura II (Persero). dan PT Angkasa Pura II Persero).
Case No. 338/Pdt.G/ 2022/ Right to Subrogation Lawsuit, PT
PN.Jkt.Tim between PT Asuransi Asuransi Tugu Pratama Indonesia
Tugu Pratama Indonesia Tbk Tbk against the Defendant
and PT Jasa Angkasa Semesta (PT Jasa Angkasa Semesta
Tbk, PT Transnusa Aviation Tbk, PT Transnusa Aviation
Mandiri, the Indonesian Aviation Mandiri) and Co-Defendant
Navigation Service Provider (Perusahaan Umum Lembaga
Public Company and PT Angkasa Penyelenggaraan Pelayanan
Pura II (Persero). Navigasi Penerbangan Indonesia
and PT Angkasa Pura II Persero).
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Pengaruh terhadap Kondisi
Pokok Perkara Deskripsi Status Penyelesaian
No. Perusahaan
Case Description Settlement Status
Potential Impact
3. Perkara No. 510/Pdt.G/2021/ Gugatan Hak atas Subrogasi, Pengadilan Negeri Jakarta Timur. Tidak berpengaruh terhadap
PN.Jkt.Tim. antara PT Asuransi PT Asuransi Tugu Pratama laba/rugi konsolidasian
Tugu Pratama Indonesia Tbk Indonesia Tbk terhadap Tergugat East Jakarta District Court. Perseroan.
melawan PT Ganesa Dirgantara. (PT Ganesa Dirgantara).
This case has no impact on the
Case No. 510/Pdt.G/2021/ Right to Subrogation lawsuit, consolidated profit/loss of the
PN.Jkt.Tim. between PT Asuransi PT Asuransi Tugu Pratama Company.
Tugu Pratama Indonesia Tbk and Indonesia Tbk against the
PT Ganesa Dirgantara. Defendant.
4. Perkara No. 533/PDT/2023/PT Gugatan ganti rugi dari Pengadilan Tinggi Jakarta. Tidak berpengaruh terhadap
DKI. Antara Penggugat (Ika Iswari). laba/rugi konsolidasian
PT Asuransi Tugu Pratama Jakarta High Court. Perseroan.
Indonesia Tbk melawan Ika Claim for compensation from the
Iswari. Plaintiff (Ika Iswari). This case has no impact on the
consolidated profit/loss of the
Case No. 533/PDT/2023/PT Company.
DKI. between
PT Asuransi Tugu Pratama
Indonesia Tbk and Ika Iswari.
Perkara Hukum yang Dihadapi Entitas Anak
Legal Cases Againts the Subsidiaries
Sepanjang tahun 2023, terdapat Entitas Anak menghadapi Throughout 2023, the Company's Subsidiary is facing a legal
perkara hukum yang masih dalam proses penyelesaian. 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. No. Perkara: 128/PDT.G/2019/ Gugatan Perbuatan Melawan Pengadilan Negeri Tidak Berpengaruh terhadap
PN.JKT.PST antara PT Tugu Hukum dari Penggugat (PT Tugu Jakarta Pusat.* laba/rugi konsolidasian
Reasuransi Indonesia dengan PT Reasuransi Indonesia) terhadap Perseroan.
MNC Sekuritas. (PT MNC Sekuritas). Central Jakarta District Court.*
This case has no impact on the
No. Case: 128/PDT.G/2019/ Lawsuit for unlawful acts from consolidated profit/loss of the
PN.JKT.PST between PT Tugu the Plaintiff (PT Tugu Reasuransi Company.
Reasuransi Indonesia and PT Indonesia) against (PT MNC
MNC Sekuritas. Sekuritas).
*P
ermohonan Peninjauan Kembali oleh PT MNC Sekuritas atas Putusan Mahkamah Agung No. 895 K/PDT/2022 tanggal 6 April 2022 terkait Putusan Sela
Pengadilan Negeri Jakarta Pusat.
*A
ppeal for Judicial Review by PT MNC Sekuritas regarding Supreme Court Decision No. 895 K/PDT/2022 dated 6 April 2022 regarding the Interlocutory
Decision of the Central Jakarta District Court.
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Sanksi Administratif Terhadap Perseroan,
7.
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 2023, tidak terdapat sanksi administratif As of the end of 2023, there were no administrative
yang dikenakan pada Dewan Komisaris dan/atau Direksi sanctions imposed on the current Board of Commissioners
yang sedang menjabat oleh Otoritas Jasa Keuangan (OJK) and/or Directors by the Financial Services Authority (OJK) or
atau pihak berwenang lainnya. other authorities.
Akses Data dan Informasi Perusahaan
Access to Company’s Data and Information
Tugu Insurance senantiasa berkomitmen memberikan To ease the information access to all stakeholders
kemudahan terhadap akses informasi kepada seluruh as an important part of implementing the information
pemangku kepentingan sebagai bagian penting dalam transparency principle, the Company provides the widest
penerapan prinsip keterbukaan informasi. Perseroan access to information both for customers and other related
membuka seluas-luasnya akses informasi baik kepada parties according to their needs. Stakeholders can access
konsumen maupun pihak-pihak lain yang berkepentingan information related to the Company, among others, through:
sesuai porsinya. Pemangku kepentingan dapat mengakses
informasi terkait Perseroan antara lain melalui:
1. Situs Web Perseroan 1. Company Website
Tugu Insurance memiliki situs web dengan alamat Tugu Insurance has a website at www.tugu.com that
www.tugu.com yang menyampaikan semua informasi provides all information that is updated regularly. This
yang terus diperbaharui secara berkala. Situs web website serves as a platform for information disclosure
tersebut menjadi sarana keterbukaan informasi yang that is accessible freely and openly.
dapat dijangkau secara bebas dan terbuka.
Dalam situs web ini, Perseroan menyediakan beragam On this website, the Company provides various data that
data yang dapat memberikan informasi kepada give information to shareholders and stakeholders on
pemegang saham dan pemangku kepentingan atas the progress and development of the Company as well
kemajuan dan perkembangan Perseroan serta informasi as information on the profile, products, information on
mengenai profil, produk, informasi pelaksanaan GCG dan GCG implementation, corporate social responsibility,
tanggung jawab sosial Perseroan, dan lain-lain. Untuk and others. To increase the audience’s access to the
memperluas cakupan khalayak terkait informasi yang information, the Company’s website is available in 2 (two)
ingin disampaikan oleh Perseroan, situs web Perseroan languages: Bahasa Indonesia and English.
disajikan dalam 2 (dua) versi bahasa, yaitu Bahasa
Indonesia dan Bahasa Inggris.
2. Media Cetak dan Elektronik 2. Print and Electronic Media
Perseroan melakukan komunikasi eksternal dan The Company conduct external communication and
penyebaran informasinya kepada pihak eksternal dengan distributes its information to external parties using print
menggunakan media cetak dan elektronik. Penyampaian and electronic media. The distribution of information with
informasi dengan media tersebut dapat berupa iklan di these media may include advertisements in print media,
media cetak, baik majalah dan koran, serta publikasi both magazines and newspapers, as well as publications
pada media online. on online media.
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3. Jejaring Sosial Perseroan 3. Company Social Media
Tugu Insurance senantiasa memerhatikan dan Tugu Insurance is concerned with the development of
menganalisis perkembangan komunikasi digital digital communications especially through social media
khususnya melalui media sosial sebagai fasilitas as media for communication with all stakeholders.
untuk komunikasi interaksi dengan seluruh pemangku Therefore, Tugu Insurance has online communication
kepentingan. Untuk itu, Perseroan membuka kanal channels through:
komunikasi daring melalui: • FB/Fanpage: @tuguinsurance
• FB/Fanpage: @tuguinsurance • Twitter: @tuguinsurance
• Twitter: @tuguinsurance • Instagram: @tuguinsurance
• Instagram: @tuguinsurance • LinkedIn: PT Asuransi Tugu Pratama Indonesia Tbk
• LinkedIn: PT Asuransi Tugu Pratama Indonesia Tbk • Youtube: Tugu Insurance
• Youtube: Tugu Insurance
4. Siaran Pers 4. Press Release
Melalui Departemen Government, Public Relations & Through the Government, Public Relations & CSR
CSR, Tugu Insurance juga secara rutin menerbitkan Department, Tugu Insurance also regularly issues
siaran pers dalam menyebarkan informasi-informasi press releases to disseminate the latest information
terkini mengenai Perseroan. Sepanjang tahun 2023, about the Company. Throughout 2023, the Government,
Government, Public Relations & CSR Departemen telah Public Relations & CSR Department has issued 55
menerbitkan sebanyak 55 siaran pers. press releases.
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Kode Etik
8. 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 merupakan pedoman yang berlaku mengikat yang A code of conduct is a binding guideline that contains
berisi etika bisnis, etika kerja dan nilai-nilai yang harus business ethics, work ethics, and values that must be
diimplementasikan oleh seluruh insan perusahaan. Tugu implemented by all company personnel. In Tugu Insurance,
Insurance memiliki Kode Etik sebagai pedoman perilaku yang the Code of Conduct serves as a behavioral guideline for
menjadi acuan bagi organ perusahaan dan pegawai dalam the company’s organs and employees in implementing the
menerapkan nilai-nilai perusahaan, yang jika diterapkan company values. If applied continuously, it will become the
secara berkelanjutan akan menjadi budaya perusahaan. company culture.
Kode Etik Tugu Insurance tertuang dalam Pedoman Tugu Insurance’s Code of Conduct is contained 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 ratified based on PT Tugu Pratama
Pratama Indonesia No. 03/SKD/CSG-TPI/I/2009 tanggal Indonesia’s Decree of the Board of Directors (SKD) No. 03/
15 Januari 2009, dan telah dimutakhirkan dengan Pedoman SKD/CSG-TPI/I/2009 dated 15 January 2009, and has
No. A-003/9100/2017 Revisi Ke-1 Tanggal 5 Desember been updated with Guideline No. A-003/9100/2017 of 1st
2017 yang diberlakukan dengan SKD No. 007/SKD/CSG/ Revision Dated 5 December 2017, which was enforced by
TPI/ II/2018 Tanggal 7 Februari 2018 dan telah dilakukan SKD No. 007/SKD/CSG/TPI/II/2018 dated 7 February
revitalisasi melalui Pedoman No. A-003/6500/2021 Revisi 2018, and has been revitalized through Guideline No.
Ke-2 tanggal 25 Agustus 2021 yang diberlakukan dengan A-003/6500/2021 of 2nd Revision dated 25 August 2021,
SKD No. 67/SKD/06/ERL-ATPI/IX/2021 tanggal 28 which was enforced by SKD No. 67/SKD/06/ERL-ATPI/
September 2021 tentang Perubahan Pedoman Sistematika IX/2021 dated 28 September 2021 regarding Changes in
Etika Usaha dan Tata Perilaku (Code of Conduct atau CoC) the Systematic Guideline for Business Ethics and Code of
PT Asuransi Tugu Pratama Indonesia Tbk Pembaharuan Conduct (CoC) of PT Asuransi Tugu Pratama Indonesia Tbk
atas pedoman ini sebagai upaya menyelaraskan dengan Revision to this guideline was made with a view to align with
perkembangan perusahaan dan ketentuan yang berlaku. the Company’s developments and applicable regulations.
Kode etik merupakan salah satu dokumen Soft Structure The Code of Conduct is one of Tugu Insurance’s GCG Soft
GCG Tugu Insurance yang menjadi acuan perilaku Insan Tugu. Structure documents and becomes a behavioral guideline
CoC wajib diterapkan oleh seluruh Insan Perseroan yang for all Tugu Personnel. COC must be implemented by all Tugu
meliputi Dewan Komisaris beserta perangkatnya, Dewan Personnel including the Board of Commissioners and its
Pengawas Syariah, Direksi dan Pekerja Tugu Insurance organs, the Sharia Supervisory Board, the Board of Directors,
dalam mengelola Perseroan guna mencapai visi, misi dan and Tugu Insurance Employees in managing the Company to
tujuan Perseroan. achieve the Company’s vision, mission, and goals.
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Dalam pelaksanaan perwujudan komitmen penerapan In the commitment to implementing this Code of Conduct,
Kode Etik ini, Insan Tugu diwajibkan untuk menandatangani Tugu Personnel are required to sign a statement of
pernyataan kepatuhan dan integritas terhadap CoC. compliance and integrity with the CoC. Tugu Insurance
Pedoman Sistematika Etika Usaha dan Tata Perilaku Tugu Business Ethics and Code of Conduct Systematic Guidelines
Insurance memiliki maksud dan tujuan sebagai berikut: have the following purposes and objectives:
1. Mengidentifikasikan nilai dan standar etika selaras 1. Identifying ethical values and standards in line with the
dengan visi dan misi Perseroan; Company’s vision and mission;
2. Menjabarkan core value AKHLAK sebagai landasan etika 2. Outlining the AKHLAK Values as the ethical foundation
yang wajib diimplementasikan oleh Insan Tugu dalam that must be followed by Tugu Personnel in carrying out
melaksanakan tugas; their duties;
3. Menjadi acuan perilaku Insan Tugu dalam melaksanakan 3. Becoming a behavioral guideline for Tugu Personnel in
tugas dan tanggung jawab masing-masing dan carrying out their respective duties and responsibilities
berinteraksi dengan para pemangku kepentingan; and interacting with the stakeholders;
4. Menjelaskan secara rinci standar etika agar Insan Tugu 4. Explaining in detail the ethical standards so that Tugu
dapat menilai bentuk kegiatan yang diinginkan dan Personnel can assess the preferred form of activity and
membantu memberikan pertimbangan jika menemui help provide consideration if they experience doubts in
keraguan dalam bertindak. their actions.
Pokok-Pokok Kode Etik
Principles of Code of Conduct
Pokok-pokok Kode Etik Tugu Insurance sebagaimana termuat The points of Tugu Insurance Code of Conduct as provided in
dalam Pedoman Sistematika Etika Usaha dan Tata Perilaku the Systematic Guidelines for Business Ethics and Code of
(Code of Conduct atau CoC) adalah sebagai berikut: Conduct (Code of Conduct or CoC) are as follows:
Standar Etika Usaha Business Ethics Standards which include:
• Etika Perusahaan dengan Pekerja; • Company and Workers Ethics;
• Etika Perusahaan dengan Pelanggan; • Company and Customers Ethics;
• Etika Perusahaan dengan Pesaing; • Company and Competitors Ethics;
• Etika Perusahaan dengan Anak Perusahaan; • Company and Subsidiaries Ethics;
• Etika Perusahaan dengan Mitra Kerja; • Company and Counterparts Ethics;
• Etika Perusahaan dengan Pemerintah/Regulator; • Company and Government/Regulator Ethics;
• Etika Perusahaan dengan Masyarakat; • Company and the Society Ethics;
• Etika Perusahaan dengan Pemegang Saham; • Company and Shareholders Ethics;
• Etika Perusahaan dengan Tertanggung; • Company and Insured Ethics;
• Etika Perusahaan dengan Perusahaan Reasuransi; • Company and Reinsurance Ethics;
• Etika Perusahaan dengan Agen; • Company and Agent Ethics;
• Etika Perusahaan dengan Penyedia Barang/Jasa/ • Company and Suppliers Ethics;
Pemasok; • Company and Mass Media Ethics;
• Etika Perusahaan dengan Media Massa; • Company and Professional and Industry Organization
• Etika Perusahaan dengan Organisasi Profesi dan Industri; Ethics;
• Integritas Laporan Keuangan; • Integrity of Financial Statement;
• Persaingan Usaha yang Sehat. • Healthy Business Competition Standards.
Standar Tata Perilaku Code of Conduct
• Etika Kerja Insan Tugu; • Collaboration among Employees Ethics;
• Kerahasiaan Data dan Informasi; • Data and Information Confidentiality;
• Aset/Harta Perusahaan; • Corporate Assets/Properties;
• Perjalanan Dinas; • Business Trips;
• Keamanan, Keselamatan, Kesehatan Kerja (K3) • Occupational, Health and Safety (OHS);
dan Lingkungan; • Data and Reporting;
• Data dan Pelaporan; • Conflict of Interest and Abuse of Power;
• Benturan Kepentingan dan Penyalahgunaan Jabatan; • Gifts/Souvenirs/Entertainment (Gratification);
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• Hadiah/Cinderamata/Entertainment (Gratifikasi); • Business Dinner;
• Penyelenggaraan Jamuan Bisnis; • Violations of Company Regulations and Provisions;
• Pelanggaran atas Peraturan Perundangan dan • Political Activities;
Ketentuan Perusahaan; • Money Laundering;
• Aktivitas Politik; • Insider Trading.
• Tindak Pidana Pencucian Uang;
• Informasi Transaksi Orang Dalam (Insider Trading).
Sosialisasi dan Internalisasi
Dissemination and Internalization
Fungsi Compliance bekerja sama dengan fungsi SDM The Compliance function, in collaboration with the HR
bertanggung jawab atas pelaksanaan sosialisasi dan function, is responsible for implementing the dissemination
internalisasi Pedoman Sistematika Etika Usaha dan Tata and internalization of the Systematic Guidelines for
Perilaku (Code of Conduct) kepada Insan Tugu. Kegiatan Business Ethics and Code of Conduct to Tugu Personnel.
sosialisasi dilakukan melalui email blast, dalam bentuk flyer Dissemination activities are carried out via email blast,
dan komik bertemakan implementasi CoC, portal internal, in the form of flyers and comics with the theme of CoC
pengenalan kepada pegawai baru dan penandatanganan implementation, internal portal, introduction to new
Pakta Integritas yang dilakukan oleh Dewan Komisaris, employees and signing of the Integrity Pact implemented
Dewan Pengawas Syariah, Direksi dan pekerja tetap. by the Board of Commissioners, Sharia Supervisory Board,
Directors and permanent employees.
Setiap Insan Tugu dapat meminta penjelasan atau Every Tugu Personnel can ask for an explanation or submit
menyampaikan pertanyaan terkait dengan Etika Usaha dan questions related to Business Ethics and Code of Conduct
Tata Perilaku kepada atasan langsung, fungsi Compliance, to their direct supervisor, Compliance function, or HR
atau fungsi SDM, apabila membutuhkan penjelasan lebih function, if they require further explanation concerning
lanjut terkait dengan etika perilaku yang berkaitan dengan ethical behavior related to the implementation of their duties
pelaksanaan tugas dan tanggung jawabnya. 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 melakukan The Company encourages every Tugu Personnel to declare
deklarasi komitmen untuk melaksanakan Pedoman a commitment to implement the Systematic Guidelines for
Sistematika Etika Usaha dan Tata Perilaku (Code of Business Ethics and Code of Conduct. The commitment
Conduct). Pernyataan komitmen Dewan Komisaris dan is documented in the form of Integrity Pact signed by the
Direksi didokumentasikan dalam bentuk Pakta Integritas Board of Commissioners and the Board of Directors of
yang ditandatangani oleh jajaran Dewan Komisaris dan Tugu Insurance. Employees’ commitment statement in
Direksi Tugu Insurance. Pernyataan komitmen Pekerja implementing the Code of Conduct guidelines is completed
dalam melaksanakan pedoman CoC dilakukan melalui through a system built for Compliance Group requirement,
sistem yang dibangun untuk kebutuhan Compliance Group namely Compliance Online System (COS). This activity is
yaitu Compliance Online System (COS) dan dilaksanakan carried out annually.
setiap tahun.
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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’s Personnel must report any fact of
penyimpangan Etika Usaha dan Tata Perilaku (Code violations of the Business Ethics and Code of Conduct
of Conduct) kepada atasannya atau Tim Penanganan to their supervisors or the Whistleblowing Team, and the
Pelaporan Pelanggaran dengan identitas pelapor dilindungi. reporter’s identity is protected. The Whistleblowing Team
Tim Penanganan Pelaporan Pelanggaran menindaklanjuti follows up every report and submits the results of its
setiap laporan dan menyampaikan hasil kajiannya kepada studies to the Board of Directors according to their scope of
Direksi sesuai dengan lingkup tanggung jawabnya. Direksi responsibilities. The Board of Directors decides to provide
memutuskan pemberian tindakan pembinaan, sanksi disiplin coaching actions, disciplinary sanctions and/or corrective
dan/atau tindakan perbaikan serta pencegahan yang harus and preventive actions that must be carried out by direct
dilaksanakan oleh atasan langsung di lingkungan masing- supervisors in their respective work area. The sanctions
masing. Bentuk sanksi yang diberikan sesuai dengan enforced is in accordance with the applicable rules/
peraturan/ketentuan yang berlaku. regulations.
Insan Tugu yang melakukan penyimpangan Etika Usaha Tugu Personnel who commit violations of the Business
dan Tata Perilaku (Code of Conduct) memiliki hak untuk Ethics and Code of Conduct have the right to present an
memberikan penjelasan di hadapan atasan langsung explanation in front of their direct supervisor before being
sebelum diberikan tindakan pembinaan atau hukuman given any coaching or disclipinary action. The implementation
disiplin. Pelaksanaan tindakan pembinaan, hukuman of coaching, disciplinary action and/or corrective and
disiplin dan/atau tindakan perbaikan serta pencegahan preventive actions are conducted by direct supervisor
dilakukan oleh atasan langsung dan dapat melalui bantuan through the assistance of the HR function.
fungsi SDM.
Sanksi terhadap Pelanggaran
Sanction for Violation
Setiap terjadinya pelanggaran terhadap kode etik akan Every violation will result in sanctions in accordance with
mendapatkan sanksi sesuai dengan peraturan dan applicable rules and regulations both internally within the
ketentuan yang berlaku baik di internal Perusahaan maupun Company and prevailing laws and regulations. In 2023, there
perundang-undangan yang berlaku. Selama tahun 2023, were no violations of the code of conduct that occurred
tidak terdapat pelanggaran terhadap kode etik yang terjadi di within the Company.
lingkungan perseroan.
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Pemberian Kompensasi Jangka Panjang Berbasis
9.
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 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 Directors and Employees in the
Karyawan dalam bentuk Program Kepemilikan Saham oleh form of a Share Ownership Program by Employees and/or
Karyawan dan/atau Manajemen. Program Kepemilikan Management. This program was approved by the General
Saham telah disetujui Rapat Umum Pemegang Saham Meeting of Shareholders in 2018, which was stated in Deed
Tahun 2018 yang dituangkan dalam Akta No. 23 tanggal No. 23 Statement of Shareholders’ Decision dated 28
28 Februari 2018 Pernyataan Keputusan Para Pemegang February 2018, in which the shareholders agreed to issue
Saham. Dari RUPS tersebut, Pemegang Saham menyetujui option rights through the Management and Employee Stock
penerbitan hak opsi melalui Program Management and Option Plan (MESOP) Program to purchase new shares of the
Employee Stock Option Plan (MESOP) untuk membeli saham Company for a maximum of 88,888,800 (eighty-eight million
baru Perseroan sebanyak 88.888.800 (delapan puluh eight hundred eighty-eight thousand eight hundred) shares.
delapan juta delapan ratus delapan puluh delapan ribu
delapan ratus) saham.
Program MESOP bertujuan untuk menetapkan kebijakan The MESOP program aims to establish a fixed and variable
remunerasi yang bersifat tetap dan bersifat variabel yang remuneration policy by considering the performance and
memperhatikan kinerja dan risiko dan melakukan penetapan risks and determining the measurement method according
metode pengukurannya sesuai skala dan kompleksitas to the scale and complexity of the Company’s business
kegiatan usaha Perseroan. Selain itu, Program MESOP juga activities. In addition, the MESOP Program is also intended
ditujukan sebagai bentuk penghargaan atas pencapaian as a reward for future performance achievements.
kinerja di masa yang akan datang.
Pada 15 November 2018, Perseroan menerbitkan On 15 November 2018, the Company issued an MESOP
program MESOP sekaligus memberikan saham kepada program while providing shares to employees totaling
karyawan sejumlah 9.314.300 saham dalam 3 (tiga) tahap 9,314,300 shares in 3 (three) stages as follows:
sebagai berikut:
Tahap I (15 November 2018) sebanyak 2.392.200 saham
Phase I (15 November 2018) of 2,392,200 shares
Keterangan Tahun 2019 Tahun 2020 Tahun 2021
Description 2019 2020 2021
Periode Pelaksanaan 30 hari Bursa sejak tanggal 28 30 hari Bursa sejak tanggal 1 30 hari Bursa sejak tanggal
Implementation Period November 2019 November 2020 15 September 2021
30 Exchange days since 28 30 Exchange days since 1 30 Exchange days since 15
November 2019 November 2020 September 2021
Harga Pelaksanaan Rp3.465 per saham
Execution Price IDR3,465 per share
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Tahap II (28 Mei 2019) sebanyak 3.596.600 saham
Phase II (28 May 2019) of 3,596,600 shares
Keterangan Tahun 2020 Tahun 2021 Tahun 2022
Description 2020 2021 2022
Periode Pelaksanaan 30 hari Bursa sejak tanggal 1 30 hari Bursa sejak tanggal 15 30 hari Bursa sejak tanggal 28
Implementation Period November 2020 September 2021 Mei 2022
30 Exchange days since 1 November 30 Exchange days since 15 30 Exchange days since 28 May
2020 September 2021 2022
Harga Pelaksanaan Rp2.743 per saham
Execution Price IDR2,743 per share
Tahap III (28 Mei 2020) sebanyak 3.325.500 saham
Phase III (28 May 2020) of 3,325,500 shares
Keterangan Tahun 2021 Tahun 2022 Tahun 2023
Description 2021 2022 2023
Periode Pelaksanaan 30 hari Bursa sejak tanggal 15 30 hari Bursa sejak tanggal 15 30 hari Bursa sejak tanggal 28
Implementation Period September 2021 September 2022 Mei 2023
30 Exchange days since 15 30 Exchange days since 15 30 Exchange days since 28 May
September 2021 September 2022 2023
Harga Pelaksanaan Rp2.842 per saham
Execution Price IDR2,842 per share
Pihak yang memenuhi syarat untuk menerima MESOP adalah The parties who are eligible to receive the MESOP are the
Direksi, Dewan Komisaris (kecuali Komisaris Independen) Board of Directors, the Board of Commissioners (except for
dan karyawan tetap yang mengacu pada masa kerja, the Independent Commissioner) and permanent employees
penilaian kinerja, kelompok jabatan, dan jabatan. with reference to tenure, performance appraisal, group of
positions and positions.
Pada tanggal 20 September 2022, telah diterbitkan On 20 September 2022, the Company issued 10,000
sebanyak 10.000 saham baru yang merupakan hasil new shares resulted from the implementation of the
pelaksanaan opsi program MESOP tahap 3 yang mana MESOP Phase 3’s option program. This program was
program ini telah mendapatkan persetujuan dari Rapat already approved by the General Meeting of Shareholders
Umum Pemegang Saham pada tanggal 28 Februari dated 28 February 2018. With the implementation of the
2018. Dengan adanya pelaksanaan dari opsi program MESOP’s option program, there was a change in the number
MESOP ini maka terdapat perubahan jumlah saham yang of outstanding shares from 1,777,777,800 shares to
beredar dari yang semula 1.777.777.800 saham menjadi 1,777,787,800 shares.
1.777.787.800 saham.
Distribusi MESOP Tugu Insurance memiliki masa berlaku Tugu Insurance's MESOP distribution has a validity period
sejak tanggal pendistribusian sampai dengan 28 Mei from the distribution date until 28 May 2023. After that, all
2023. Setelah itu, seluruh hak opsi yang tidak digunakan unused option rights expire.
menjadi gugur.
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Kebijakan Pengungkapan Informasi
10.
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 atas pengungkapan kepemilikan saham Perseroan The Company's share ownership disclosure policy refers
mengacu pada Peraturan Otoritas Jasa Keuangan No. 11/ to the Financial Services Authority Regulation No. 11/
POJK.04/2017 tentang Laporan Kepemilikan atau Setiap POJK.04/2017 on Reporting Ownership or Any Change in
Perubahan Kepemilikan Saham Perusahaan Terbuka. Share Ownership of Public Companies. Members of the
Anggota Direksi dan Dewan Komisaris memiliki kewajiban Board of Directors and Board of Commissioners have an
menyampaikan informasi kepada Perseroan mengenai obligation to submit information to the Company regarding
kepemilikan dan setiap perubahan kepemilikan saham. ownership and any changes in share ownership. The
Penyampaian informasi tersebut dilakukan paling lambat 3 submission of such information shall be made no later than
(tiga) hari kerja setelah terjadinya kepemilikan atau setiap 3 (three) business days after the occurrence of ownership or
perubahan kepemilikan atas saham Perseroan. any change in ownership of the Company's shares.
Di sisi lain, Anggota Dewan Komisaris dan Direksi juga On the other hand, Members of the Board of Commissioners
wajib melaporkan kepada OJK atas kepemilikan atau setiap and the Board of Directors are also required to report to OJK
perubahan kepemilikan atas saham Perseroan melalui regarding the ownership or any changes in ownership of the
mekanisme pelaporan sendiri atau dengan memberikan Company's shares through a self-reporting mechanism or by
surat kuasa tertulis kepada pihak lain, dimana jangka waktu providing written power of attorney to other parties, where
pelaporannya diatur sebagai berikut: the reporting period is regulated as follows:
1. Pelaporan Sendiri 1. Self Reporting
Setiap anggota Direksi dan Dewan Komisaris wajib Each member of the Board of Directors and the Board of
melaporkan kepada OJK paling lambat 10 (sepuluh) Commissioners must report to OJK no later than 10 (ten)
hari sejak terjadinya kepemilikan atau setiap perubahan days from the occurrence of ownership or any change in
kepemilikannya atas saham Perseroan; ownership of the Company’s shares;
2. Pelaporan melalui Kuasa 2. Reporting by Proxy
Dalam hal pelaporan dilakukan melalui Kuasa, In the event the reporting is done through a Proxy, the
maka kewajiban laporan kepemilikan atau setiap obligation to report ownership or any change in share
perubahan kepemilikan saham anggota Direksi dan ownership of members of the Board of Directors and the
Dewan Komisaris kepada OJK wajib dilakukan paling Board of Commissioners to OJK must be done no later
lambat 5 (lima) hari sejak terjadinya kepemilikan atau than 5 (five) days from the occurrence of their share
setiap perubahan kepemilikan atas saham Perseroan ownership or any change in their share ownership in the
yang dimilikinya. Company.
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Berikut ini adalah pelaporan transaksi pembelian dan/atau The following is a report on the share purchase and/or sale
penjualan saham yang dilakukan oleh Direksi Perseroan transactions conducted by the Company’s Board of Directors
sepanjang tahun 2023: in 2023:
Jumlah
Saham Jumlah Saham
Jumlah Harga Tanggal Tujuan Pelaporan
Sebelum Setelah
Nama Transaksi Pembelian/ Saham Transaksi Transaksi ke OJK
Transaksi Transaksi
Name Transaction Penjualan Share Transaction Purpose of Reporting to
Total Shares Total Shares After
Total Buy/Sell Price Date Transaction OJK
Before Transaction
Transaction
Emil Hakim Pembelian 51.000 10.000 Rp. 1.790,- 61.000 saham* 7 Februari Investasi 8 Februari
Purchase saham* saham* 61.000 shares* 2023 Investment 2023
51.000 10.000 7 February 8 February
shares* shares* 2023 2023
Penjualan 61.000 10.000 Rp. 1.790,- 51.000 saham* 8 Februari Divestasi
Sales saham* saham* 51.000 shares* 2023 Divestment
61.000 10.000 8 February
shares* shares* 2023
Tatang Pembelian 58.000 20.000 saham Rp1.130,- 78.000 saham 6 November Investasi 13 November
Nurhidayat Purchase saham 20.000 shares 78.000 shares 2023 Investment 2023
58.000 6 November 13 November
shares 2023 2023
78.000 12.200 saham Rp1.122,- 90.200 saham 7 November
saham 12.200 shares 90.200 shares 2023
78.000 7 November
shares 2023
90.200 2.000 saham Rp1.100,- 92.200 saham 8 November
saham 2.000 shares 92.200 shares 2023
90.200 8 November
shares 2023
92.200 8.500 saham Rp1.105,- 100.700 saham 9 November
saham 8.500 shares 100.700 shares 2023
92.000 9 November
shares 2023
100.700 7.700 saham Rp1.098,- 108.400 saham 10 November 15 November
saham 7.700 shares 108.400 shares 2023 2023
100.700 10 November 15 November
shares 2023 2023
108.400 21.500 saham Rp995,- 129.900 saham 19 Desember 27 Desember
saham 21.500 shares 129.900 shares 2023 2023
108.400 19 December 27 December
shares 2023 2023
129.900 2.100 saham Rp1.010,- 132.000 saham 22 Desember
saham 2.100 shares 132.000 shares 2023
129.900 22 December
shares 2023
*Sebelum Stock Split 1:2
*Before the stock split 1:2
Secara rutin, Perseroan juga menyampaikan laporan bulanan The Company also regularly submits a monthly report on the
registrasi kepemilikan saham yang didalamnya memuat share ownership registration which also includes the number
jumlah saham yang dimiliki Dewan Komisaris dan Direksi. of shares owned by each member of the Company’s Board
Penyampaian laporan tersebut diatur dalam Surat Keputusan of Directors and Board of Commissioners as stipulated in
Direksi PT Bursa Efek Indonesia No. Kep-00066/BEI/09- PT Bursa Efek Indonesia‘s Decree of the Board of Directors
2022 tanggal 30 September 2022 perihal Perubahan No. Kep-00066/BEI/09-2022 dated 30 September 2022,
Peraturan No. I-E Tentang Kewajiban Penyampaian Informasi concerning the Obligation to Submit Information.
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Sistem Pelaporan Pelanggaran
11.
(Whistleblowing System)
Whistleblowing System
Dalam rangka meningkatkan ketaatan pada peraturan To increase compliance with regulations and encourage
dan mendorong tumbuhnya budaya beretika tinggi dalam a high ethical culture in carrying out activities related to
melaksanakan kegiatan yang berhubungan dengan pihak internal and external parties, the Company enforces a
internal maupun eksternal, Perseroan telah mempunyai Whistleblowing System (WBS) as a means of reporting the
Sistem Pelaporan Pelanggaran (Whistleblowing System/WBS) occurrence of violations of the prevailing legislation and the
sebagai sarana pelaporan jika terjadi hal-hal yang melanggar Code of Conduct in the Company.
peraturan perundang-undangan yang berlaku dan Code of
Conduct di lingkungan Perseroan.
WBS merupakan salah satu bentuk komitmen Tugu WBS is a form of Tugu Insurance’s commitment to
Insurance dalam mendukung penerapan GCG yang baik supporting the GCG implementation and business practices
dan praktik bisnis yang berintegritas. WBS bertujuan with integrity. WBS aims to create a comfortable work
untuk menciptakan lingkungan kerja yang nyaman, dengan environment by managing complaints or disclosing incidents
mengelola pengaduan atau pengungkapan kejadian yang that may result in financial and non-financial losses, including
dapat mengakibatkan kerugian keuangan dan non-keuangan, a decline in the Company’s image. Every Tugu Personnel and
termasuk penurunan citra Perseroan. Setiap Insan Tugu external parties can play a role in helping prevent violations
dan pihak eksternal dapat berperan serta membantu upaya of the applicable laws and regulations as well as violations
pencegahan terhadap terjadinya pelanggaran peraturan of Tugu Insurance’s Code of Conduct.
perundang-undangan yang berlaku maupun Code of Conduct
Tugu Insurance.
Pedoman Whistleblowing System (WBS)
Whistleblowing Guideline
Sebagai dasar atau pedoman pelaksanaan dalam As a basis or implementation guideline in dealing with
menangani pelaporan pelanggaran dari stakeholders reporting violations from stakeholders to ensure the
untuk menjamin terselenggaranya mekanisme pelaporan implementation of an effective violation reporting mechanism
pelanggaran yang efektif dalam jangka waktu yang efektif within an effective period by stakeholders, the Company has
oleh stakeholders, Perseroan telah memiliki Pedoman a Whistleblowing System (WBS) Guideline which is enforced
Whistleblowing System (WBS) yang diberlakukan melalui through the issuance of the Board of Directors' Decree
penerbitan Surat Keputusan Direksi No. 06/SKD/06/ERL- No. 06/SKD/06/ERL-ATPI/II/2022 dated 21 February 2022.
ATPI/II/2022 tanggal 21 Februari 2022. Pedoman WBS The WBS Guidelines regulate actions that can be categorized
merupakan panduan pelaporan yang mengatur tindakan as violations, management of reporting mechanisms,
yang dapat dikategorikan sebagai pelanggaran, pengelolaan reporting procedures and requirements, reporting follow-up
mekanisme pelaporan, tata cara dan syarat-syarat pelaporan, mechanisms, evaluation of follow-up reporting, protection
mekanisme tindak lanjut pelaporan, evaluasi atas tindak guarantee for the whistleblower and the reported party(ies),
lanjut pelaporan, perlindungan jaminan pelapor dan terlapor, as well as publication and socialization regarding WBS.
serta publikasi maupun sosialisasi perihal WBS.
Pedoman WBS Tugu Insurance disusun dengan Tugu Insurance WBS Guidelines have been prepared by
memperhatikan ketentuan dalam: considering the following provisions:
• Undang-Undang Republik Indonesia No. 31 Tahun • Law of the Republic of Indonesia No. 31 of 1999
1999 tentang Pemberantasan Tindak Pidana Korupsi concerning the Eradication of Corruption Crimes
sebagaimana yang telah diubah dengan Undang-Undang as amended by Law No. 20 of 2001 concerning
No. 20 Tahun 2001 tentang Perubahan atas Undang- Amendments to Law No. 31 of 1999 concerning the
Undang No. 31 Tahun 1999 tentang Pemberantasan Eradication of Criminal Acts of Corruption;
Tindak Pidana Korupsi;
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• Undang-Undang Republik Indonesia No. 30 Tahun 2002 • Law of the Republic of Indonesia No. 30 of 2002
tentang Komisi Pemberantasan Tindak Pidana Korupsi; concerning the Eradication of Criminal Acts of Corruption;
• Undang-Undang Republik Indonesia No. 40 Tahun 2007 • Law of the Republic of Indonesia No. 40 of 2007
tentang Perseroan Terbatas; concerning Limited Liability Companies;
• Undang-Undang Republik Indonesia No. 40 Tahun 2014 • Law of the Republic of Indonesia No. 40 of 2014
tentang Perasuransian; concerning Insurance;
• Peraturan Otoritas Jasa Keuangan No. 44/ • Financial Services Authority Regulation No. 44/
POJK.05/2020 tentang Penerapan Manajemen Risiko POJK.05/2020 concerning the Implementation
bagi Lembaga Jasa Keuangan Non Bank; of Risk Management for Non-Bank Financial
• Peraturan Otoritas Jasa Keuangan No. 73/ Services Institutions;
POJK.05/2016 tentang Tata Kelola Perusahaan yang • Financial Services Authority Regulation No. 73/
Baik bagi Perusahaan Perasuransian sebagaimana telah POJK.05/2016 concerning Good Corporate Governance
diubah dengan Peraturan Otoritas Jasa Keuangan No. for Insurance Companies as amended by Financial
43/POJK.05/2019 tentang Perubahan atas Peraturan Services Authority Regulation No. 43/POJK.05/2019
Otoritas Jasa Keuangan No. 73/POJK.05/2016 concerning Amendments to Financial Services Authority
Tentang Tata Kelola Perusahaan yang Baik bagi Regulation No. 73/POJK.05/2016 concerning Good
Perusahaan Perasuransian; Corporate Governance for Insurance Companies;
• Peraturan Otoritas Jasa Keuangan No. 69/ • Financial Services Authority Regulation No. 69/
POJK.05/2016 tentang Penyelenggaraan Usaha POJK.05/2016 concerning Business Conduct of
Perusahaan Asuransi, Perusahaan Asuransi Syariah, Insurance Companies, Sharia Insurance Companies,
Perusahaan Reasuransi, Perusahaan Reasuransi Reinsurance Companies, Sharia Reinsurance Companies
Syariah sebagaimana telah diubah dengan Peraturan as amended by Financial Services Authority Regulation
Otoritas Jasa Keuangan No. 38/POJK.05/2020 tentang No. 38/POJK.05/2020 concerning Amendments
Perubahan atas Peraturan Otoritas Jasa Keuangan No. to Financial Services Authority Regulation No. 69/
69/POJK.05/2016 tentang Penyelenggaraan Usaha POJK.05/2016 concerning Business Conduct of
Perusahaan Asuransi, Perusahaan Asuransi Syariah, Insurance Companies, Sharia Insurance Companies,
Perusahaan Reasuransi, Perusahaan Reasuransi Syariah; Reinsurance Companies, Sharia Reinsurance Companies;
• Surat Edaran Otoritas Jasa Keuangan No. 46/ • Financial Services Authority Circular Letter No. 46/
SEOJK.05/2017 tentang Pengendalian Fraud, Penetapan SEOJK.05/2017 concerning Control Fraud, Determination
Strategi Anti Fraud dan Laporan Strategi Anti Fraud bagi of Anti-Fraud Strategy and Anti-Fraud Strategy Report
Perusahaan Asuransi, Perusahaan Asuransi Syariah, for Insurance Companies, Sharia Insurance Companies
Perusahaan Reasuransi, Perusahaan Reasuransi Syariah Reinsurance Companies, Reinsurance Sharia Companies
atau Unit Syariah; or Sharia Unit;
• Pedoman Sistem Pelaporan Pelanggaran (Whistleblowing • Whistleblowing System Guidelines 2008 by National
System) tahun 2008 oleh Komite Nasional Kebijakan Committee on Governance Policy (KNKG) and its
Governance (KNKG) beserta perubahannya; amendments;
• Perjanjian Kerja Bersama (PKB) Tugu Insurance; • Tugu Insurance Collective Labor Agreement;
• Pedoman Strategi Anti Fraud Tugu Insurance; • Tugu Insurance Anti Fraud Strategy Guidelines;
• Pedoman Tata Kelola Perusahaan Tugu Insurance; • Tugu Insurance Good Corporate Governance Guidelines;
• Pedoman Pengendalian Gratifikasi PT Asuransi Tugu • Tugu Insurance Gratification Control Guidelines;
Pratama Indonesia Tbk; • Tugu Insurance Conflict of Interest Guidelines;
• Pedoman Conflict of Interest Tugu Insurance; • Tugu Insurance Anti-Bribery Management System (SMAP)
• Pedoman Sistem Manajemen Anti Penyuapan (SMAP) Guidelines;
Tugu Insurance; • Tugu Insurance’s Systematic Guidelines for Business
• Pedoman Sistematika Etika Usaha dan Tata Perilaku Ethics and Code of Conduct.
(Code of Conduct) Tugu Insurance.
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Ruang Lingkup Pengaduan Pelanggaran Melalui Sistem Pelaporan Pelanggaran
Scope of Violations Reporting through the Whistleblowing System
Perseroan akan menindaklanjuti setiap pelaporan The Company will follow up any violation reported through the
pelanggaran yang dilaporkan melalui mekanisme WBS dan WBS mechanism and has fulfilled the violation elements in
telah memenuhi unsur pelanggaran berupa: the form of:
• Korupsi; • Corruption;
• Suap; • Bribery;
• Gratifikasi; • Gratuities;
• Benturan Kepentingan; • Conflicts of Interest;
• Pencurian; • Theft;
• Kecurangan (Fraud); • Fraud;
• Perbuatan Melanggar Hukum; • Violation of the Law;
• Pelanggaran peraturan dan kebijakan Perusahaan; • Violation of Company regulations and policies;
• Pelanggaran Kode Etik dan berpotensi melanggar • Violation of the Code of Conduct and potentially violating
prinsip-prinsip GCG; GCG principles;
• Perbuatan yang membahayakan keselamatan dan • Any action that may jeopardize occupational safety and
kesehatan kerja atau membahayakan keamanan health or endanger the security of the Company and is
Perusahaan serta merugikan Perusahaan. detrimental to the Company.
Mekanisme Whistleblowing System (WBS) Tugu Insurance
Tugu Insurance Whistleblowing System (WBS) Mechanism
Pelaporan Tim penanganan Apabila hasil Direksi/Dewan
melalui email Pelaporan penelaahan Komisaris
clean1@tugu. Pelanggaran menunjukan menindaklanjuti
com dan menelaah laporan adanya indikasi pelaporan
clean2@tugu.com yang masuk. pelanggaran, pelanggaran yang
atau surat ke pelaporan memerlukan
The Whistleblowing
Direksi/Dewan handling team reviews
disampaikan ke pendalaman lebih
Komisaris. the incoming reports Direksi/Dewan lanjut melalui
Komisaris. Komite Audit untuk
Reporting via
email through
dilakukan audit
If the review results
clean1@tugu.com and in an indication of
khusus/investigasi.
clean2@tugu.com, or violation, the report is
Follow-up on violations
letter addressed to the submitted to the Board
reporting that required
Board of Directors/Board of Directors/ Board of
deeper investigation by
of Commissioners. Commissioners.
the Board of Directors/
Board of Commissioners
through special audits/
investigations carried out
by the Audit Committee.
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Perlindungan bagi Pelapor
Protection for the Whistleblower
Perseroan akan merahasiakan identitas Pelapor, sebagai The Company would keep confidential the identity of the
bagian dari upaya dalam memberikan perlindungan bagi Whistleblower, as part of efforts to protect the Whistleblower
Pelapor dari tindakan yang merugikan Pelapor, serta untuk from detrimental actions, as well as to build up the courage
mendorong keberanian melaporkan pelanggaran. Perseroan to report violations. The Company will strive to provide the
juga akan mengupayakan perlindungan hukum kepada legal protection for the Whistleblower in accordance with the
Pelapor sesuai ketentuan yang diatur dalam peraturan provisions stipulated in the laws and regulations.
perundang-undangan.
Pihak yang Mengelola Pengaduan
Party Handling Complaint
Pihak yang mengelola pengaduan Laporan Pelanggaran The party responsible for managing the Violation Report
dalam Sistem WBS Tugu Insurance adalah Tim Penanganan in Tugu Insurance’s WBS System is Violation Reporting
Pelaporan Pelanggaran, yang bertanggung jawab antara Handling Team, whose responsibilities include managing
lain untuk mengelola dan menindaklanjuti laporan tindakan and following up reports on the violations committed by Tugu
pelanggaran yang dilakukan oleh Insan Tugu. Ketua Tim Personnel. The chairman of Violation Reporting Handling
Penanganan Pelaporan Pelanggaran adalah Internal Audit Team is Internal Audit Group Head.
Group Head.
Sanksi/Tindak Lanjut atas Pengaduan
Sanction/Follow Up on the Report
Perseroan memberikan sanksi sesuai ketentuan yang For proven violations, the Company imposes sanctions in
berlaku di Perseroan atas pelanggaran yang terbukti, accordance with the applicable provisions in the Company to
sehingga dapat memberikan efek jera bagi pelaku provide a deterrent effect for violators and other parties who
pelanggaran maupun pihak lain yang memiliki niat intend to commit a violation. Until the end of 2023, there
melakukan pelanggaran. Hingga akhir tahun 2023, tidak were no sanctions imposed by the Company on employees
ada sanksi yang diberikan Perusahaan kepada pekerja yang for violations (fraud).
terjadi atas pelanggaran (fraud).
Realisasi Pelaporan Pelanggaran Melalui WBS Tahun 2023
Realization of Violation Reporting Through WBS in 2023
Sepanjang tahun 2023, tidak terdapat pengaduan/laporan Throughout 2023 there was no report/complaint related to
yang diterima melalui WBS pelaporan terkait pelanggaran violations received through WBS in the Company from both
di Perseroan baik dari kalangan internal maupun eksternal. internal and external parties. However, all Tugu Personnel
Namun demikian, segenap Insan Tugu senantiasa always make WBS as one of the control and mitigation
menjadikan WBS sebagai salah satu fungsi kontrol dan functions against risks and potential violations.
mitigasi terhadap risiko dan potensi pelanggaran.
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Kebijakan Anti Korupsi
12. Anti Corruption Policy
Seluruh insan Perseroan senantiasa berperan aktif All Company personnel play an active role in preventing
dalam pencegahan dan upaya pemberantasan praktik and eradicating the Corruption, Collusion and Nepotism
Korupsi, Kolusi, dan Nepotisme (KKN) dan Gratifikasi. Tugu (KKN), as well as Gratification practices. Tugu Insurance
Insurance berkomitmen secara penuh dalam mendukung is highly committed to supporting this movement through
upaya tersebut didukung oleh berbagai realisasi program. the realization of various programs. These commitment
Bentuk komitmen nyata Perseroan direalisasikan melalui is realized through the enhancement of the goods and
penyempurnaan sistem dan prosedur pengadaan barang services procurement system and procedure, improvement
dan jasa, perbaikan kebijakan operasional, penerapan of operational policies, the implementation of the
sistem pelaporan pelanggaran (whistleblowing system), dan whistleblowing system, and refusal of gratification practices.
penolakan praktik gratifikasi.
Dalam kegiatan sehari-hari, seluruh pegawai Tugu Insurance In day-to-day activities, all Tugu Insurance employees are
wajib mengimplementasikan nilai-nilai perusahaan di required to implement the company's values including
antaranya Amanah (Clean) yaitu bekerja dengan integritas, Amanah (Clean), which is to work with integrity, prioritizing
mengedepankan kode etik perusahaan dan bisnis. Usaha the company's code of conduct and business. Preventive
preventif juga dilakukan melalui pemuatan pengumuman actions are also carried out through posting announcements
penolakan praktik gratifikasi di website perusahaan saat of refusal to the gratification practices on the company’s
menjelang hari besar perayaan agama. website ahead of religious celebrations.
Komitmen dan kebijakan Anti-Korupsi Tugu Insurance Tugu Insurance’s Anti-Corruption policy and commitment have
telah diatur dalam Panduan Umum Tata kelola Perusahaan been stipulated in the Company’s GCG General Guidelines
sebagai berikut: as follows:
• Pedoman Sistematika Etika Usaha dan Tata Perilaku • The Systematic Guidelines for Business Ethics and Code
(Code of Conduct atau CoC); of Conduct;
• Pedoman Whistleblowing System (WBS); • Whistleblowing System Guideline;
• Pedoman Konflik Kepentingan (Conflict of Interest atau • Conflict of Interest (CoI) Guideline;
CoI); • Gratification Guideline;
• Pedoman Gratifikasi; • Report of State Administrators’ Assests (LHKPN)
• Pedoman Laporan Harta Kekayaan Penyelenggara Negara Guideline;
(LHKPN); • Goods and Services Procurement Guidelines;
• Pedoman Pengadaan Barang dan Jasa; • Anti-Bribery Management System (SMAP) Guidelines –
• Pedoman Sistem Manajemen Anti Penyuapan (SMAP) – ISO 37001:2016.
ISO 37001:2016.
Berdasarkan kebijakan-kebijakan tersebut, Perseroan terus Based on these policies, the Company continuously
melakukan penyempurnaan dan evaluasi efektivitas setiap improving and evaluating its effectiveness annually. In
tahun. Dalam menjalankan tugas dan tanggung jawabnya, conducting their duties, every Tugu Personnel must obey and
seluruh insan Perseroan wajib mematuhi dan memahami understand every provision regarding corruption as stated in
setiap ketentuan mengenai tindak pidana korupsi yang the GCG General Guidelines. The following are the programs
tertuang dalam Pedoman Umum Tata kelola. Adapun and procedures carried out to overcome the practice of
uraian mengenai program dan prosedur yang dilakukan corruption, kickbacks, fraud, bribery and/or gratuities in
dalam mengatasi praktik korupsi, balas jasa (kickbacks), the Company.
fraud, suap dan/atau gratifikasi di Perseroan adalah
sebagai berikut.
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12.A.
Gratifikasi
Gratuities
Gratifikasi adalah pemberian dan/atau penerimaan dan/ Gratuities are gifts and/or receipts in a broad context,
atau permintaan dalam arti luas, yakni meliputi hadiah/ which includes gifts/souvenirs and entertainment to Tugu
cinderamata dan hiburan (entertainment) kepada Insan Tugu Personnel, both domestically and abroad using electronic
baik yang diterima di dalam negeri maupun di luar negeri and/or without electronic facilities. Gratuities are often
dan yang dilakukan dengan menggunakan sarana elektronik unavoidable and is become one of the Company’s concerns
dan/atau tanpa melalui sarana elektronik. Gratifikasi adalah given its nature that leads to bribery and/or corruption.
salah satu pelanggaran yang sering tidak terhindarkan Gifts/souvenirs are any gifts and/or receipts in broader
dan menjadi perhatian Perseroan mengingat sifatnya yang context presented to Tugu Personnel.
mengarah pada tindak pidana suap dan/atau tindak pidana
korupsi. Hadiah/cinderamata adalah setiap pemberian dan/
atau penerimaan dalam arti luas, kepada Insan Tugu.
Hiburan (entertainment) adalah segala sesuatu baik yang Entertainment includes various things, such as words,
berbentuk kata-kata, tempat, benda, dan perilaku yang places, objects, and behaviors that according to reasonable
menurut pemikiran logika yang wajar bersifat menghibur dan logic is consider entertaining and pleasing, which are shared
menyenangkan hati, yang dinikmati bersama-sama dengan with the Giver, including but not limited to music, film, opera,
Pemberi, termasuk tapi tidak terbatas pada musik, film, drama, game, sports, and tourism.
opera, drama, permainan, olahraga, dan wisata.
Pedoman Gratifikasi
Gratification Guideline
Pedoman Gratifikasi dianggap penting untuk menghindari Tugu Insurance considers that there is a need for clear
terjadinya pelanggaran dan peluang terjadinya tindak guidelines for all Tugu Personnel in terms of refusing and/or
pidana suap. Dalam rangka mendukung upaya pencegahan, accepting and/or giving gratuities to prevent the occurrence
Perseroan telah menerbitkan Pedoman Gratifikasi yang of gratification and opportunities for bribery to occur.
ditetapkan pada 1 Juli 2014 dengan Surat Keputusan Direksi Therefore, the Company has issued Gratification Guideline,
No. 018/SKD/TPI/VII/2014, yang telah disempurnakan dan which was stipulated on 1 July 2014 pursuant to the Decree
dimutakhirkan dengan Pedoman No. A-008/9100/2017 of the Board of Directors No. 018/SKD/TPI/VII/2014,
Revisi Ke-1 tanggal 5 Desember 2017, yang diberlakukan which has been enhanced and updated with Guideline No.
melalui SKD No. 011/SKD/CSG/TPI/II/2018 tanggal 7 A-008/9100/2017 1st Revision dated 5 December 2017,
Februari 2018 mengenai Pedoman Gratifikasi PT Tugu enforced by Board of Directors' Decree No. 011/SKD/CSG/
Pratama Indonesia dan telah dilakukan revitalisasi melalui TPI/II/2018 dated 7 February 2018 regarding Gratification
SKD No. 65/SKD/06/ERL-ATPI/VIII/2021 ditetapkan Guideline of PT Tugu Pratama Indonesia and has been
tanggal 31 Agustus 2021 mengenai Pedoman Pengendalian revitalized through Board of Directors' Decree No. 65/
Gratifikasi No. A-001/6500/2021 Revisi ke-2 tertanggal 28 SKD/06/ERL-ATPI/VIII/2021 on 31 August 2021 regarding
Juli 2021. Guideline for Gratification Control No. A-001/6500/2021 2nd
Revision dated 28 July 2021.
Ruang lingkup Pedoman Gratifikasi ini adalah mengenai The scope of this Gratification Guideline includes matters
hal-hal yang terkait dengan kebijakan gratifikasi, antara related to the gratification policy, among others in the
lain dalam hal penolakan, penerimaan, pemberian hadiah/ terms of refusal, acceptance, giving gifts/souvenirs and
cinderamata dan hiburan (entertainment), prinsip dasar, entertainment, basic principles, statutory provisions that
ketentuan perundang-undangan yang mengatur, klasifikasi regulate, classification of gratification acts and limits
tindakan gratifikasi serta batasan penerimaan, pemberian on acceptance, giving and giving by request of third
dan pemberian atas permintaan dari pihak ketiga. Pedoman parties. The objectives of this Guideline is to establish an
gratifikasi bertujuan untuk membentuk lingkungan organisasi organizational environment that is aware and controlled in
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yang sadar dan terkendali dalam penanganan praktik handling gratification practices to realize the principles of
gratifikasi untuk mewujudkan prinsip keterbukaan dan openness and accountability in carrying out daily operation
akuntabilitas dalam menjalankan kegiatan operasional dan and business activities and to regulate the precautionary
bisnis sehari-hari serta mengatur prinsip kehati-hatian terkait principle related to conflicts of interest and reporting
dengan benturan kepentingan maupun mekanisme pelaporan mechanisms within the Company. This guideline applies
di lingkungan Perseroan. Pedoman ini dapat digunakan internally to Tugu Personnel and can be used as a reference
sebagai acuan seluruh Insan Tugu, Anak Perusahaan for Subsidiaries and Affiliates.
serta Afiliasi.
Secara berkala, Pedoman Gratifikasi disempurnakan dan Periodically, the Gratification Guidelines are refined and
dievaluasi penerapannya sesuai dengan perkembangan evaluated for implementation in accordance with the
model bisnis Perseroan. Pedoman ini juga terus development of the Company's business model. This
disosialisasikan dan diimplementasikan di bawah tanggung guideline also continuously socialized and implemented
jawab fungsi Compliance. Tujuan dari penerapan Pedoman under the responsibility of the Compliance function. The
Gratifikasi di antaranya: objectives of the implementation of the Gratification
Guidelines include:
1. Memberikan pemahaman dan kepatuhan kepada seluruh 1. Provide understanding and compliance for Tugu Personnel
Insan Tugu terhadap ketentuan Gratifikasi; with Gratuity provisions;
2. Memberikan arah dan acuan bagi Insan Tugu mengenai 2. Provide direction and reference for Tugu Personnel
pentingnya kepatuhan melaporkan gratifikasi untuk regarding the importance of complying with gratuity
perlindungan dirinya sendiri maupun keluarganya dari reporting to protect themselves and their families from
peluang dikenakannya tuduhan tindak pidana suap. the possibility of bribery accusation.
3. Sebagai pedoman bagi Insan Tugu untuk memahami, 3. As a guideline for Tugu Personnel to understand, prevent
mencegah dan menanggulangi Gratifikasi di Perusahaan; and deal with Gratification in the Company;
4. Sebagai pedoman bagi Insan Tugu dalam mengambil 4. As a guideline for Tugu Personnel in taking a firm stance
sikap yang tegas terhadap Gratifikasi di Perusahaan against Gratification in the to realize good Company
untuk mewujudkan pengelolaan Perusahaan yang baik; management;
5. Mewujudkan pengelolaan Perseroan yang bebas dari 5. Embody the management of the Company that is free
segala bentuk Korupsi, Kolusi, dan Nepotisme (“KKN”); from all forms of Corruption, Collusion, and Nepotism
6. Membentuk lingkungan organisasi yang sadar dan (“KKN”);
terkendali dalam penanganan praktik gratifikasi 6. Establish a conscious and controlled organizational
sehingga prinsip keterbukaan dan akuntabilitas dalam environment in handling gratification practices so that
menjalankan kegiatan operasional dan bisnis sehari-hari the principles of transparency and accountability in
semakin terimplementasi dengan baik. carrying out daily operational and business activities are
increasingly well implemented.
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 other people's initiative from any party that has a
dari setiap pihak yang memiliki hubungan bisnis atau business relationship or competitor of the Company with the
pesaing Perusahaan yang bertujuan untuk mendapatkan aim of obtaining information or anything that is not justified
infromasi atau sesuatu hal yang tidak dibenarkan oleh by the provisions of the applicable laws and regulations,
ketentuan peraturan perundang-undangan yang berlaku, or influencing the party in question to do and/or not do
atau mempengaruhi pihak dimaksud untuk melakukan dan/ something related to their authority/position.
atau tidak melakukan sesuatu hal yang berkaitan dengan
wewenang/jabatannya.
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Bentuk-bentuk penerimaan Gratifikasi yang dilarang dan Gratuities that are prohibited and must be reported include:
wajib dilaporkan antara lain:
1. Bertentangan dan melebihi batasan bentuk-bentuk 1. Contrary to and exceeding the limits of the forms
Gratifikasi yang diperbolehkan dan tidak wajib dilaporkan. of Gratification that are allowed and not required to
2. Gratifikasi yang dianggap suap merupakan Gratifikasi be reported.
yang diberikan dari pihak yang memiliki benturan 2. Gratuities that are considered bribes are Gratuities given
kepentingan dan dilarang oleh aturan yang berlaku. from parties that have a conflict of interest and are
prohibited by applicable regulations.
Contoh Gratifikasi yang dianggap suap antara lain: Examples of Gratuities that are considered
a. Pemberian hadiah/cinderamata dan/atau hiburan bribes include:
(Entertainment) sebagai tanda terima kasih yang a. Gifts/souvenirs and/or entertainment as a token
diterima Insan Tugu dari pihak ketiga terkait dengan of appreciation received by Tugu Personnel from
proses pengadaan barang dan jasa dan/atau third parties related to the process of procurement
sehubungan telah terpilihnya atau telah selesainya of goods and services and/or in connection with
suatu pekerjaan dan/atau kegiatan lainnya dalam the selection or completion of a job and/or other
rangka pelaksanaan tugas dan jabatan Insan Tugu activities in the context of performing the duties and
yang bersangkutan; positions of the Tugu Personnel concerned;
b. Pemberian hadiah/cinderamata dan/atau hiburan b. Gifts/souvenirs and/or entertainment received
(Entertainment) yang diterima Insan Tugu atas by Tugu Personnel for cooperation/cooperation
kerjasama/perjanjian kerja sama dari pihak ketiga; agreements from third parties;
c. Pemberian hadiah/cinderamata dan/atau hiburan c. 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 work feasibility check process and/
proses pemeriksaan kelayakan pekerjaan dan/atau or approval/monitoring/supervising of a job process;
proses persetujuan/pemantauan/pengawasan atas d. Gifts/souvenirs and/or entertainment received by
suatu pekerjaan; Tugu Personnel from third parties in connection
d. Pemberian hadiah/cinderamata dan/atau hiburan with the promotion and/or new positions of
(Entertainment) yang diterima Insan Tugu dari pihak Tugu Personnel;
ketiga sehubungan dengan kenaikan pangkat dan/ e. Gifts in the form of bank loans or other financial
atau jabatan baru Insan Tugu; institutions received due to the position
e. Pemberian dalam bentuk pinjaman bank atau and/or authority of Tugu Personnel and not
lembaga keuangan lainnya yang diterima karena generally applicable;
jabatan dan/atau kewenangan Insan Tugu dan tidak f. Opportunities or benefits including the amount/
berlaku umum; percentage of special interest or commercial
f. Kesempatan atau keuntungan termasuk jumlah/ discounts received due to the position and/
persentase bunga khusus atau diskon komersial yang or authority of Tugu Personnel and not
diterima karena jabatan dan/atau kewenangan Insan generally applicable;
Tugu dan tidak berlaku umum; g. Gifts/souvenirs and/or entertainment from fellow
g. Pemberian hadiah/cinderamata dan/atau hiburan Tugu Personnel, in performing their tasks including
(Entertainment) dari sesama Insan Tugu, dalam but not limited to inspection, audit, valuation,
pelaksanaan tugas termasuk namun tidak terbatas appraisal and assessment activities;
pada kegiatan pemeriksaan, audit, penilaian, h. Gifts in the form of transportation facilities,
appraisal dan assessment; accommodation, money and/or money equivalents
h. Pemberian dalam bentuk fasilitas transportasi, in connection with the implementation of the duties
akomodasi, uang dan/atau setara uang sehubungan and obligations of the Tugu Personnel concerned from
dengan pelaksanaan tugas dan kewajiban Insan third party companies, which are carried out through
Tugu yang bersangkutan dari perusahaan pihak invitations from these third parties;
ketiga, yang dilakukan melalui undangan dari pihak i. Gifts/souvenirs and/or entertainment in connection
ketiga tersebut; with the implementation of duties and obligations
i. Pemberian hadiah/cinderamata dan/atau hiburan of Tugu Personnel in third party companies
(Entertainment) yang dilakukan terkait dengan that are irrelevant/unrelated to the purpose of
pelaksanaan tugas dan kewajiban Insan Tugu di the assignment;
perusahaan pihak ketiga yang tidak relevan/tidak
berhubungan dengan maksud penugasannya;
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j. Potongan harga khusus (diskon) pada saat Insan Tugu j. Special discounts when Tugu Personnel buy goods
membeli barang dari pihak ketiga. from third parties.
Pemberian Gratifikasi Giving Gratuities
Insan Tugu dan/atau keluarga inti dilarang memberikan Tugu Personnel and/or immediate family are prohibited from
sesuatu dalam bentuk apapun kepada sesama Insan Tugu giving gift in any form to fellow Tugu Personnel and/or Third
dan/atau Pihak Ketiga yang merupakan aset/harta/fasilitas Parties which considered as assets/facilities belonging
milik Perusahaan tanpa terdokumentasi dan tidak dapat to the Company without documentation and cannot be
dipertanggung jawabkan. accounted for.
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 of Gratuities
Gratifikasi yang tidak terkait dengan jabatan dan tidak that are not related to the position and are not contrary to
berlawanan dengan kewajiban atau tugas Insan Tugu, the obligations or duties of Tugu Personnel, and thus, the
sehingga Gratifikasi tersebut tidak wajib dilaporkan. Bentuk- Gratuities are not required to be reported. The forms of
bentuk Gratifikasi yang diperbolehkan dan tidak wajib Gratification that are allowed and not required to be reported
dilaporkan sebagai berikut: are as follows:
a. Pemberian dalam keluarga yaitu kakek/nenek, bapak/ a. Gifts within the family, namely grandparents, fathers/
ibu/mertua, suami/istri, anak/menantu, anak angkat/ mothers/parents-in-law, husbands/wives, children/
wali yang sah, cucu, besan, paman/bibi, kakak/adik/ipar, children-in-law, adopted children/legal guardians,
sepupu dan keponakan, sepanjang tidak terdapat konflik grandchildren, in-laws, uncles/aunts, brothers/sisters/
kepentingan; nieces, cousins and nephews, as long as there is no
b. Keuntungan atau bunga dari penempatan dana, investasi conflict of interest;
atau kepemilikan saham pribadi yang berlaku umum; b. Profit or interest from the placement of funds, investment
c. Manfaat dari koperasi, organisasi kepegawaian atau or ownership of personal shares that are generally
organisasi yang sejenis berdasarkan keanggotaan yang applicable;
berlaku umum; c. Benefits from cooperatives, employment organizations
d. Perangkat atau perlengkapan yang diberikan kepada or similar organizations based on generally applicable
peserta dalam kegiatan kedinasan seperti seminar, membership;
workshop, konferensi, pelatihan, atau kegiatan sejenis, d. Equipment or supplies provided to participants in official
yang berlaku umum; activities such as seminars, workshops, conferences,
e. Hadiah tidak dalam bentuk uang atau alat tukar lainnya, training, or similar activities that generally applicable;
yang dimaksudkan sebagai alat promosi atau sosialisasi e. Gifts that are not in the form of money or other means
yang menggunakan logo atau pesan sosialisasi, of exchange, which are intended as promotional or
sepanjang tidak memiliki konflik kepentingan dan socialization tools that use logos or socialization
berlaku umum; messages, as long as they do not have a conflict of
f. Hadiah, apresiasi atau penghargaan dari kejuaraan, interest and are generally applicable;
perlombaan atau kompetisi yang diikuti dengan biaya f. Prizes, appreciation or awards from championships, races
sendiri dan tidak terkait dengan kedinasan; or competitions that are participated in at their own
g. Penghargaan baik berupa uang atau barang yang ada expense and are not related to the office;
kaitannya dengan peningkatan prestasi kerja yang g. Awards in the form of money or goods related to
diberikan oleh pemerintah sesuai dengan peraturan improving work performance given by the government in
perundang-undangan yang berlaku; accordance with applicable laws and regulations;
h. Hadiah langsung/undian, diskon/rabat, voucher, point h. 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 the office;
i. Kompensasi atau honor atas profesi diluar kegiatan i. Compensation or honorarium for professions beyond
kedinasan yang tidak terkait dengan tugas dan kewajiban, official activities that are not related to duties and
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sepanjang tidak terdapat konflik kepentingan dan obligations, as long as there is no conflict of interest and
tidak melanggar peraturan/kode etik pegawai/pejabat does not violate the regulations/code of ethics of the
yang bersangkutan; employee/official concerned;
j. Kompensasi yang diterima terkait kegiatan kedinasan j. Compensation received related to official activities such
seperti honorarium, transportasi, akomodasi dan as honorarium, transportation, accommodation, and
pembiayaan yang telah ditetapkan dalam standar biaya financing that has been determined in the applicable
yang berlaku di instansi penerima Gratifikasi sepanjang cost standards in the recipient agency of the Gratification
tidak terdapat pembiayaan ganda, tidak terdapat konflik as long as there is no double financing, no conflict of
benturan kepentingan, dan tidak melanggar ketentuan interest, and does not violate the applicable provisions in
yang berlaku di instansi penerima; the recipient agency;
k. Karangan bunga sebagai ucapan yang diberikan dalam k. Bouquets of flowers as greetings given in events such
acara seperti pertunangan, pernikahan, kelahiran, as 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, farewell, retirement, promotion;
promosi jabatan; l. Gifts related to engagement, marriage, birth, aqiqah,
l. Pemberian terkait dengan pertunangan, pernikahan, baptism, circumcision, tooth cutting, or other
kelahiran, akikah, baptis, khitanan, potong gigi, atau traditional/religious ceremonies with a value limit of
upacara adat/agama lainnya dengan batasan nilai IDR1,000,000.00 (one million rupiah) per giver;
sebesar Rp1.000.000,00 (satu juta rupiah) setiap m. Gifts related to calamities or disasters experienced by
pemberi; the recipient of the Gratification, husband, wife, child,
m. Pemberian terkait dengan musibah atau bencana yang father, mother, father-in-law, and/or son-in-law of the
dialami oleh diri penerima Gratifikasi, suami, istri, recipient of the Gratification as long as there is no
anak, bapak, ibu, mertua, dan/atau menantu penerima conflict of interest, as well as fair and proper;
Gratifikasi sepanjang tidak terdapat konflik kepentingan, n. Gifts from fellow coworkers in the context of welcome or
dan memenuhi kewajaran atau kepatutan; farewells, retirements, job transfers, or birthdays that are
n. Pemberian sesama rekan kerja dalam rangka pisah not in the form of money or other means of exchange at
sambut, pensiun, mutasi jabatan, atau ulang tahun yang a maximum of IDR300,000.00 (three hundred thousand
tidak dalam bentuk uang atau alat tukar lainnya paling rupiah) per gift per person, with a total gift not exceeding
banyak senilai Rp300.000,00 (tiga ratus ribu rupiah) IDR1,000,000.00 (one million rupiah) in 1 (one) year
setiap pemberian per orang, dengan total pemberian from the same giver, as long as there is no conflict
tidak melebihi Rp1.000.000,00 (satu juta rupiah) dalam of interest;
1 (satu) tahun dari pemberi yang sama, sepanjang tidak o. Gifts from fellow coworkers that are not in the form of
terdapat konflik kepentingan; money or other means of exchange, and are not related
o. pemberian sesama rekan kerja yang tidak dalam bentuk to the office at a maximum of IDR200,000.00 (two
uang atau alat tukar lainnya, dan tidak terkait kedinasan hundred thousand rupiah) per gift per person, with a total
paling banyak senilai Rp200.000,00 (dua ratus ribu gift not exceeding IDR1,000,000.00 (one million rupiah)
rupiah) setiap pemberian per orang, dengan total in 1 (one) year from the same giver;
pemberian tidak melebihi Rp1.000.000,00 (satu juta p. Gifts in the form of feast or dishes that are
rupiah) dalam 1 (satu) tahun dari pemberi yang sama; generally accepted;
p. pemberian berupa hidangan atau sajian yang q. Gifts of souvenirs/plaques to agencies in the context of
berlaku umum; official and state relations, both domestically and abroad
q. pemberian cendera mata/plakat kepada instansi dalam as long as they are not given to individual civil servants
rangka hubungan kedinasan dan kenegaraan, baik or state administrators.
di dalam negeri maupun luar negeri sepanjang tidak
diberikan untuk individu pegawai negeri
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Penerimaan Gratifikasi yang telah diputuskan milik Perseroan Received Gratuities that have been decided to belong to the
memiliki alternatif pemanfaatan yaitu: Company have alternative utilization, 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,
operasional, untuk perpustakaan atau untuk barang for libraries or for display items of the 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 utilized
dimanfaatkan sebagai penunjang kinerja; as performance support;
5. Lainnya yang ditentukan oleh Direksi. 5. Others as determined by the Board of Directors.
Pedoman Gratifikasi ini berlaku mengikat bagi seluruh The Gratification Guideline is binding all Tugu Personnel with
Insan Tugu dengan kewajiban pelaporan mengikat kepada binding reporting obligations to the Person Obliged to Report
Wajib Lapor Gratifikasi. Pelanggaran terhadap Pedoman Gratification. Violation of the Gratification Guideline will be
Gratifikasi akan dikenakan sanksi yang berlaku di Perseroan subject to sanctions that apply in the Company and have the
dan berpotensi dikenakan tindak pidana sesuai dengan potential to be subject to criminal acts in accordance with
peraturan perundang-undangan yang berlaku. the applicable laws and regulations.
Pemberian Gratifikasi atas Permintaan Pihak Ketiga Giving Gratification at the Request of a Third Party
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, 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 hadiah/ 1. If Tugu Personnel being asked to give gifts/souvenirs
cinderamata dan hiburan (entertainment) hendaknya and entertainment should refuse politely by providing an
menolak secara sopan dan santun dengan memberikan explanation of the Gratuities policy and regulation applied
penjelasan mengenai kebijakan dan aturan terkait in the Company to the recipient. This explanation can
Gratifikasi yang berlaku di Perusahaan kepada Penerima be conveyed with the assistance of UPG Tugu Insurance
tersebut. Pemberian penjelasan ini dapat disampaikan which also become a socialization on Gratification policy;
dengan bantuan dari UPG Tugu Insurance sekaligus juga 2. If the request leads to extortion and/or coercion that
merupakan salah satu bentuk sosialisasi atas kebijakan can affect the Company's operational and business
Gratifikasi tersebut; processes, in particular the Person Obliged to Report
2. Apabila permintaan dimaksud mengarah kepada Gratuities must immediately report it to the Direct
pemerasan dan/atau pemaksaan yang dapat Supervisor and then can fill in through the application in
mempengaruhi kelancaran proses operasional dan the Compliance Online System and/or through electronic
bisnis Perusahaan, khususnya Wajib Lapor Gratifikasi mail (e-mail) to the Tugu Insurance UPG;
yang bersangkutan wajib segera melaporkannya kepada 3. The Direct Supervisor of the Tugu Personnel concerned
Atasan Langsung lalu dapat mengisi melalui aplikasi should immediately coordinate the issue with top
dalam Compliance Online System dan/atau melalui management to make a decision on the action taken to
sarana elektronik (e-mail) kepada UPG Tugu Insurance; follow up the request. If there is any doubt in decision-
3. Atasan Langsung Insan Tugu yang bersangkutan agar making, the top management should reports the issue
segera mengkoordinasikan permasalahan tersebut to the management above them, with copies to the
dengan pimpinan tertinggi untuk mendapatkan Compliance function.
keputusan mengenai tindakan yang akan diambil
untuk menindaklanjuti permintaan tersebut. Apabila
menghadapi keraguan dalam pengambilan keputusan,
maka pimpinan tertinggi melaporkan hal tersebut kepada
pimpinan yang lebih tinggi diatasnya dengan tembusan
kepada fungsi Compliance.
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12.B.
Kebijakan Pengadaan Barang dan Jasa
Goods and Services Procurement Policy
Tugu Insurance melaksanakan proses pengadaan barang Tugu Insurance has conducted goods and services
dan jasa bagi penyedia barang dan jasa yang memenuhi procurement process that fulfill the requirements. The
persyaratan. Proses pengadaan dilakukan melalui procurement process is carried out through fair competition
persaingan yang sehat dan wajar di antara penyedia barang among goods/service suppliers and fulfills certain conditions
dan jasa serta memenuhi syarat tertentu berdasarkan based on clear and transparent terms and procedures. The
ketentuan dan prosedur yang jelas dan transparan. implementation of procurement process management is
Penerapan manajemen proses pengadaan berdasarkan based on 9 main principles, including: Effective, Economical,
9 prinsip utama, meliputi: Efektif, Ekonomis, Transparan, Transparent, Responsible, Efficient, Competitive, Fair,
Bertanggung Jawab, Efisien, Kompetitif, Adil, Kehati-hatian, Prudent, and Independent.
dan Kemandirian.
Pedoman Pengadaan Produk dan Jasa Guideline for Goods and Services Procurement
Dalam rangka menciptakan iklim persaingan yang sehat, To create a fair, orderly, and controlled climate of
tertib, dan terkendali, Tugu Insurance juga telah memiliki competition, Tugu Insurance also has Goods and Services
Pedoman Pengadaan Barang dan Jasa yang berisi kebijakan Procurement Guidelines that contain general policies related
umum terkait proses pengadaan barang dan jasa dimana to the procurement process of goods and services where the
pengadaan barang dan jasa di masing-masing unit dilakukan procurement of goods and services in each unit is conducted
oleh Fungsi Pengadaan atau tim tender secara efektif, by the Procurement Function or auction committee in an
efisien, dan ekonomis. Kebijakan tersebut juga dalam effective, efficient, and economical manner. The policy is
rangka mempercepat proses pengambilan keputusan also intended to speeding up the decision-making process
dan meningkatkan profesionalisme, kemandirian, dan and improving the professionalism, independence and
tanggung jawab para perencana, pelaksana serta pengawas responsibility of the planners, executors, and supervisors of
pengadaan barang dan jasa. the procurement of goods and services.
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Etika Pengadaan Barang dan Jasa Ethics of Goods and Services Procurement
Segenap elemen yang terlibat dalam pengadaan barang dan All elements involved in the procurement of goods and
jasa harus senantiasa mematuhi rambu-rambu yang telah services must always comply with the guidelines set by the
ditentukan Perseroan dan mematuhi etika pengadaan barang Company and comply with the ethics of the procurement of
dan jasa sebagai berikut: goods and services as follows:
• Melaksanakan secara tertib, penuh rasa tanggung jawab, • Implement in an orderly manner and full of
demi kelancaran dan ketepatan tercapainya tujuan sense of responsibility, to ensure the ease and
pengadaan barang dan jasa; accuracy in achieving the objectives of goods and
• Bekerja secara profesional dengan menjunjung tinggi services procurement;
kejujuran, kemandirian, dan menjaga informasi yang • Work professionally while upholding the principles
bersifat rahasia; of honesty, independence, and maintaining
• Tidak saling mempengaruhi baik langsung maupun confidential information;
tidak langsung, yang mengakibatkan persaingan yang • Do not influence each other either directly or indirectly,
tidak sehat, penurunan kualitas proses pengadaan dan which caused an unfair competition, decrease in the
hasil pekerjaan; quality of the procurement process and work results;
• Bertanggung jawab terhadap segala keputusan yang • Be responsible for all decisions made based on
ditetapkan sesuai dengan kewenangannya; the authority;
• Mencegah terjadinya pertentangan kepentingan (conflict • Prevent any conflict of interests from the parties involved
of interest) pihak-pihak yang terlibat langsung maupun directly or indirectly in the procurement process.
tidak langsung dalam proses pengadaan barang • Prevent the Company from financial leakage or loss;
dan jasa; • Do not abuse the authority nor conduct any action
• Mencegah terjadinya kebocoran keuangan dan collectively with the aim of personal, group or other
kerugian Perusahaan; parties’ benefits that directly or indirectly harm
• Tidak menyalahgunakan wewenang dan melakukan the Company.
kegiatan bersama dengan tujuan untuk keuntungan
pribadi, golongan atau pihak lain yang secara langsung
atau tidak langsung merugikan Perusahaan.
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12.C.
Laporan Harta Kekayaan Penyelenggara Negara (LHKPN)
Report of State Official Assets (LHKPN)
Prinsip Dasar LHKPN Basic Principles of LHKPN
Laporan Harta Kekayaan Penyelenggara Negara (LHKPN) Report of State Official Assets (LHKPN) is a list of all the
merupakan daftar seluruh harta kekayaan Penyelenggara assets of the State Officials as outlined in the LHKPN form
Negara yang dituangkan dalam formulir LHKPN yang determined by the Corruption Eradication Commission
ditetapkan oleh KPK sebagaimana yang diatur dalam ("KPK") as regulated in the KPK Regulation No. 2 of 2020
Peraturan Komisi Pemberantasan Korupsi (“KPK”) No. 2 concerning Amendments to the Corruption Eradication
Tahun 2020 tentang Perubahan atas Peraturan KPK No. 7 Commission Regulation No. 7 of 2016 concerning
Tahun 2016 tentang Tata Cara Pendaftaran, Pemeriksaan Procedures for Registration, Examination, and Announcement
dan Pengumuman Laporan Harta Kekayaan Penyelenggara of the Report of State Official Assets. In addition, Law No.
Negara. Di samping itu, Undang-Undang No. 28 Tahun 1999 28 of 1999 concerning State Administrators Who are Clean
tentang Penyelenggara Negara yang Bersih dan Bebas and Free from Corruption, Collusion and Nepotism (“Law No.
dari Korupsi, Kolusi, dan Nepotisme (“UU No 28/1999”), 28/1999”), mandates that each State Officials are required
mengamanatkan bahwa setiap Penyelenggara Negara wajib to report and announce their Assets before and after
melaporkan dan mengumumkan Harta Kekayaannya sebelum taking office.
dan setelah memangku jabatannya.
Berdasarkan Undang-undang No. 28/1999, Penyelenggara Based on Law No. 28/1999, State Officers are State
Negara adalah Pejabat Negara yang menjalankan Officials who carry out executive, legislative, or judicial
fungsi eksekutif, legislatif, atau yudikatif, dan pejabat functions, and other officials whose main functions and
lain yang fungsi dan tugas pokoknya berkaitan dengan duties are related to the administration of the state in
penyelenggaraan negara sesuai dengan ketentuan accordance with the provisions of prevailing laws and
peraturan perundang-undangan yang berlaku. Pemeriksaan regulations. LHKPN examination submitted to the KPK
LHKPN yang disampaikan kepada KPK bertujuan untuk aims to realize the State Officers who adhere to the
mewujudkan Penyelenggara Negara yang menaati asas- general principles of state management that are free
asas umum penyelenggara negara yang bebas dari praktik from corruption, collusion, and nepotism, as well as other
korupsi, kolusi, dan nepotisme, serta perbuatan tercela misconduct. Each State Official is required to report their
lainnya. Setiap Penyelenggara Negara dituntut untuk wealth through the LHKPN form provided by KPK to be filled
melaporkan kekayaannya melalui formulir LHKPN yang fairly, correctly, and completely, so that the KPK can analyze,
telah disediakan KPK untuk diisi secara jujur, benar, dan evaluate, and assess the entire amount, type, and value of
lengkap, agar KPK dapat menganalisis, mengevaluasi, serta the reported assets, correctly, quickly, precisely, accurately
menilai atas seluruh jumlah, jenis dan nilai harta kekayaan and responsibly.
yang dilaporkan, secara benar, cepat, tepat, akurat dan
bertanggung jawab.
Berdasarkan Surat Edaran KPK No. SE-08/01/10/2016 Based on the KPK Circular Letter No. SE-08/01/10/2016
tentang Petunjuk Teknis Penyampaian dan Pengelolaan concerning Technical Guidelines for Submitting and Managing
Laporan Harta Kekayaan Penyelenggara Negara setelah the Report of State Officials Assests after the enactment
diberlakukannya Peraturan KPK No. 07 Tahun 2016 tentang of KPK Regulation No. 07 of 2016 regarding Registration
Tata Cara Pendaftaran, Pengumuman dan Pemeriksaan Procedures, Announcement, and Examination of State
Harta Kekayaan Penyelenggara Negara, penyampaian LHKPN Officials Assets, the submission of LHKPN as of 1 January
terhitung sejak tanggal 1 Januari 2017 dilaksanakan secara 2017 is done electronically through the e-LHKPN application.
elektronik melalui aplikasi e-LHKPN.
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Dasar Hukum Penerapan LHKPN di Tugu Insurance Legal Basis for the Implementation of LHKPN in
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 the
sebagai landasan cara pandang penerapan LHKPN di basis for the perspective of LHKPN implementation within
lingkungan Perusahaan. Dasar hukum tersebut antara the Company. The legal basis include:
lain adalah:
• Undang-Undang No. 28 Tahun 1999 tentang • Law No. 28 of 1999 concerning State Officials that are
Penyelenggara Negara yang Bersih dan Bebas dari Clean and Free from Corruption, Collusion, and Nepotism;
Korupsi, Kolusi, dan Nepotisme; • Law No. 31 of 1999 concerning the Eradication of
• Undang-Undang No. 31 Tahun 1999 tentang Criminal Acts of Corruption as amended by Law No. 20
Pemberantasan Tindak Pidana Korupsi sebagaimana of 2001 concerning Amendments to Law No. 31 of 1999
telah diubah dengan Undang-Undang No. 20 Tahun 2001 concerning the Eradication of Criminal Acts of Corruption;
tentang Perubahan atas Undang-Undang No. 31 Tahun • Law No. 30 of 2002 concerning the Corruption
1999 tentang Pemberantasan Tindak Pidana Korupsi; Eradication Commission as last amended by Law
• Undang-Undang No. 30 Tahun 2002 tentang Komisi No. 19 of 2019 concerning the Second Amendment
Pemberantasan Tindak Pidana Korupsi sebagaimana to Law No. 30 of 2002 concerning the Corruption
terakhir kali diubah dengan Undang-Undang No. 19 Tahun Eradication Commission;
2019 tentang Perubahan Kedua atas Undang-Undang No. • KPK Regulation No. 7 of 2016 concerning Procedures for
30 Tahun 2002 tentang Komisi Pemberantasan Tindak Registration, Announcement and Examination of State
Pidana Korupsi; Officials’ Assets as amended by KPK Regulation No.
• Peraturan KPK No. 7 Tahun 2016 tentang Tata Cara 2 of 2020 concerning Amendments to KPK Regulation
Pendaftaran, Pengumuman dan Pemeriksaan Harta No. 7 of 2016 concerning Procedures for Registration,
Kekayaan Penyelenggara Negara sebagaimana telah Announcement and Examination of State Officials’
diubah dengan Peraturan KPK No. 2 Tahun 2020 Assets;
tentang Perubahan atas Peraturan KPK No. 7 Tahun • Pertamina’s Decree No. Kpts-03/C000000/2021-S0
2016 tentang Tata Cara Pendaftaran, Pengumuman dan dated 1 February 2021 regarding the Obligation to
Pemeriksaan Harta Kekayaan Penyelenggara Negara; Submit Report of State Official Assets (LHKPN) at PT
• Surat Keputusan Pertamina No. Kpts-03/ Pertamina (Persero) and its Subsidiaries;
C000000/2021-S0 tanggal 1 Februari 2021 tentang • Decree of the Board of Directors No. 59/SKD/06/ERL-
Kewajiban Penyampaian Laporan Harta Kekayaan ATPI/VI/2021 concerning Compulsory Reporting on the
Penyelenggara Negara (LHKPN) di PT Pertamina (Persero) Report of State Official Assets (LHKPN) of PT Asuransi
dan Anak Perusahaan; Tugu Pratama Indonesia Tbk;
• Surat Keputusan Direksi No. 59/SKD/06/ERL-ATPI/ • Collective Labor Agreement (PKB) of PT Asuransi Tugu
VI/2021 tentang Wajib Lapor atas Laporan Harta Pratama Indonesia Tbk.
Kekayaan Penyelenggara Negara (LHKPN) PT Asuransi
Tugu Pratama Indonesia Tbk;
• Perjanjian Kerja Bersama (PKB) PT Asuransi Tugu
Pratama Indonesia Tbk.
Pedoman LHKPN LHKPN Guideline
Tugu Insurance telah memiliki Pedoman Kewajiban Tugu Insurance has a Guideline on the Obligation to
Melaporkan Harta Kekayaan Penyelenggara Negara Report of State Officials’ Assets (LKHPN Guidelines)
(Pedoman LHKPN) yang bertujuan untuk memberikan aimed at providing a reference for Tugu Personnel on
acuan bagi Insan Tugu mengenai pelaksanaan Pendaftaran, the implementation of Electronic LHKPN Registration,
Pengumuman dan Pemeriksaan LHKPN secara elektronik Announcement and Examination (e-LHKPN). The LHKPN
(e-LHKPN). Pedoman LHKPN yang saat ini berlaku adalah guidelines currently in effect are the guidelines ratified
pedoman yang disahkan melalui Surat Keputusan Direksi through the Decree of the Board of Directors (SKD) No. 12/
(SKD) No. 12/SKD/CSG/TPI/II/2018 Tanggal 7 Februari SKD/CSG/TPI/II/2018 dated 7 February 2018 which has
2018 dan telah dilakukan revitalisasi melalui SKD No. been revitalized through SKD No. 68/SKD/06/ERL-ATPI/
68/SKD/06/ERL-ATPI/IX/2021 ditetapkan tanggal 28 IX/2021 on 28 September 2021 for the enforcement of
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September 2021 untuk pemberlakuan Pedoman Kewajiban Guideline for Submission of the Report of State Officials
Penyampaian Laporan Harta Kekayaan Penyelenggara Assets (LHKPN) No. A-004/6500/2021 1st revision (LHKPN
Negara (LHKPN) No. A-004/6500/2021 revisi ke-1 Guidelines). The LKHPN Guideline regulates, among others,
(Pedoman LHKPN). Pedoman LHKPN antara lain mengatur officials who are required to report LKHPN, the time and
tentang pejabat yang wajib lapor LHKPN, waktu dan tata procedure for submitting LKHPN, and the mechanism for
cara penyampaian LHKPN, dan mekanisme penyampaian delivering e-LHKPN, as well as sanctions.
e-LHKPN, serta sanksi.
Penerapan LHKPN di Tugu Insurance Implementation of LHKPN in Tugu Insurance
Unit pengelola pelaksanaan LHKPN di lingkup Perusahaan The management unit of LHKPN implementation within the
dilakukan oleh fungsi Compliance. Adapun pejabat yang wajib Company is conducted by the Compliance function. The
lapor LHKPN adalah: officials who are obliged 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. Corporate Secretary/Deputy Director/Chief/ 4. Corporate Secretary/Deputy Director/Chief/equivalent
jabatan setingkat; 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 sesuai dengan Surat Keputusan 8. Branch Office Head according to the applicable Board of
Direksi yang berlaku. Directors Decision Letter.
Waktu dan tata cara penyampaian LHKPN: The time and procedure for submitting LHKPN:
1. Pejabat Wajib Lapor menyampaikan LHKPN kepada KPK 1. Officials must report LHKPN to KPK upon:
yaitu pada saat: • First appointment;
• Pengangkatan pertama kali; • Reappointment;
• Pengangkatan kembali; • Expiry of term of office and retirement.
• Berakhirnya masa jabatan dan pensiun. 2. Submission of the LHKPN shall be made no later than 3
2. Penyampaian LHKPN tersebut dilakukan paling lambat 3 (three) months from the time of the first appointment/
(tiga) bulan terhitung sejak saat pengangkatan pertama/ reappointment/end of office term;
pengangkatan kembali/berakhirnya masa jabatan; 3. Submission of LHKPN during the serving time of the
3. Penyampaian LHKPN selama Wajib Lapor menjabat Person Obliged to Report is held periodically every year
dilakukan secara periodik setiap 1 (satu) tahun sekali on the assets acquired from 1 January to 31 December
atas harta kekayaan yang diperoleh sejak tanggal 1 which is submitted no later than 31 March of the
Januari sampai dengan tanggal 31 Desember yang following year.
disampaikan dalam jangka waktu paling lambat tanggal
31 Maret tahun berikutnya.
Sanksi Sanction
Dalam hal Penyelenggara Negara tidak melaporkan e-LHKPN In the event the State Officials does not report the e-LHKPN
atau tidak memenuhi kewajibannya terkait penyampaian or does not fulfill its obligations related to the LHKPN
LHKPN, maka Perseroan dapat memberikan sanksi kepada submission, the Company may impose sanctions on the
Penyelenggara Negara sesuai dengan ketentuan yang State Officials in accordance with the applicable regulation in
berlaku di Perseroan. the Company.
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12.D.
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 anti every level of the organization. Anti-Corruption socialization
korupsi ini dilakukan melalui tatap muka, email blast, akses and internalization activities are done through face-to-face,
melalui portal GCG, broadcast message melalui Whatsapp email blasts, access through the GCG portal, broadcast
Compliance kepada Insan Tugu, dan sosialisasi melalui messages via Whatsapp Compliance to Tugu Personnel, and
media online seperti Zoom Meeting serta Microsoft Teams socialization through online media such as Zoom Meetings
(“MTeams”) dengan beberapa kegiatan sebagai berikut: and Microsoft Teams (“MTeams”) with several activities
1. Pelatihan/Sosialisasi Efektivitas Pengendalian & as follows:
Penerapan Anti Fraud pada Industri Asuransi di Era 1. Training/Socialization on the Effectiveness of Anti-Fraud
Digitalisasi yang diselenggarakan oleh fungsi Compliance Control & Implementation in the Insurance Industry in the
bersama dengan fungsi Internal Audit; Digitalization Era organized by the Compliance function
2. Pelatihan/Sosialisasi Dukungan Regulasi Anti Pencucian together with the Internal Audit;
Uang dan Pencegahan Pendanaan Terorisme (APU PPT) 2. Training/Socialization of Anti-Money Laundering and
dalam Tindak Kejahatan Cybercrime dan Implementasi Combating the Financing of Terrorism (AML CFT) in
Know Your Customer (KYC) pada Perusahaan Asuransi Cybercrime and Implementation of Know Your Customer
yang diselenggarakan oleh fungsi Compliance; (KYC) in Insurance Companies organized by the
3. Pelatihan/Sosialisasi Pengendalian Gratifikasi dan Compliance function;
Pencegahan Korupsi yang diselenggarakan oleh 3. Training/Socialization of Gratification Control and
fungsi Compliance. Corruption Prevention organized by the Compliance
function.
Insan Tugu juga menerapkan media sosialisasi lainnya, In addition, Tugu Personnel also implement other forms
seperti pemasangan banner-banner terkait antikorupsi (do of socialization, such as the installation of anti-corruption
and don’t Code of Conduct, Gratifikasi, dan Whistleblowing banners (do and don’t Code of Conduct, Gratification, and
System) pada tempat-tempat yang strategis dilalui oleh Insan Whistleblowing System) in strategic places traversed by
Tugu. Pemasangan banner terkait anti korupsi ini selain Tugu Personnel. The installation of banners related to
dilakukan di kantor pusat juga di kantor cabang dan Point anti-corruption is not only carried out at the head office
of Sales Service (PoSS) Tugu Insurance. Usaha preventif but also at branch offices and Tugu Insurance’s Point of
juga dilanjutkan melalui pemuatan pengumuman penolakan Sales Service (POSS). The Company also continues posting
praktik gratifikasi di website perusahaan saat menjelang hari announcements on the rejection of the gratification practice
besar perayaan agama. on the Company’s website prior to religious holidays.
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Kesesuaian Penerapan Tata kelola
13.
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
menerapkan Pedoman Tata Kelola Perusahaan Terbuka implementing the Governance Guidelines for Public Company
yang mencakup 5 (lima) aspek, 8 (delapan) prinsip tata which comprise 5 (five) aspects, 8 (eight) principles of good
kelola perusahaan yang baik, serta 25 (dua puluh lima) corporate governance, and 25 (twenty-five) recommendations
rekomendasi penerapan aspek dan prinsip tata kelola for the implementation of aspects and principles of good
perusahaan yang baik, sebagaimana yang diatur dalam corporate governance, as stipulated in OJK Regulation
Peraturan OJK No. 21/POJK.04/2015 tentang Penerapan No. 21/POJK.04/2015 concerning Implementation of
Pedoman Tata Kelola Perusahaan Terbuka dan Surat Edaran Governance Guidelines for Public Companies and OJK
OJK No. 32/ SEOJK.04/2015 tentang Pedoman Tata Kelola Circular Letter No. 32/SEOJK.04/2015 concerning
Perusahaan Terbuka. Governance Guidelines for Public Companies.
Penerapan Pedoman Tata Kelola Perusahaan Terbuka di Implementation of the Governance Guidelines for Public
lingkup Perseroan pada tahun 2023, sebagai berikut: Companies at Tugu Insurance in 2023 is as follows:
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 1.1. Perusahaan Terbuka memiliki cara atau prosedur MEMENUHI
Meningkatkan Nilai teknis pengumpulan suara (voting) baik secara Perseroan telah memiliki cara atau prosedur teknis
Penyelenggaraan RUPS. terbuka maupun tertutup yang mengedepankan pengumpulan suara (voting) baik secara terbuka
independensi, dan kepentingan pemegang maupun tertutup yang mengedepankan independensi,
Principle 1 saham. dan kepentingan pemegang saham dan dibacakan
Increase the Value of GMS kepada pemegang saham pada tata tertib RUPS.
Holding. Public Company has technical procedures for
open or close voting that promote independence COMPLY
and the interests of shareholders. The Company has technical methods or procedures
for voting, both open or close voting which prioritize
independence and the interests of shareholders and
are read out to shareholders in the GMS rules.
1.2. Seluruh anggota Direksi dan anggota Dewan MEMENUHI,
Komisaris Perusahaan Terbuka hadir dalam Seluruh anggota Direksi dan anggota Dewan Komisaris
RUPST. Tugu Insurance hadir dalam RUPST.
All members of the Board of Directors and Board COMPLY,
of Commissioners of Public Company attend the All members of the Board of Directors and members
AGMS. of the Board of Commissioners of Tugu Insurance were
present at the AGMS.
1.3. Ringkasan risalah RUPS tersedia dalam Situs MEMENUHI
Web Perusahaan Terbuka paling sedikit selama 1 Tugu Insurance telah menyediakan Ringkasan Risalah
(satu) tahun. RUPS dalam Situs Perusahaan www.tugu.com.
Summary minutes of the AGMS are available on COMPLY,
the website of the Public Company for at least 1 Tugu Insurance has provided a summary of the GMS
(one) year. Minutes on the Company Website at www.tugu.com.
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Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Comply or Explain
Prinsip 2 2.1. Perusahaan Terbuka memiliki suatu kebijakan MEMENUHI,
Meningkatkan Kualitas komunikasi dengan pemegang saham atau Perseroan telah memiliki kebijakan komunikasi dengan
Komunikasi Perusahaan investor. pemegang saham atau investor.
Terbuka dengan Pemegang
Saham atau Investor. Public Company has a communication policy with COMPLY,
shareholders or investors. The Company has a communication policy with
Principle 2 shareholders or investors.
Increase the Quality of Public 2.2. Perusahaan Terbuka mengungkapkan kebijakan MEMENUHI
Company’s Communications komunikasi Perusahaan Terbuka dengan Kebijakan komunikasi dengan pemegang saham
with Shareholders or Investors. pemegang saham atau investor dalam Situs Web. atau investor Perseroan dapat diakses pada website
Perusahaan www.tugu.com.
Public Company discloses the communication
policy with shareholders or investors on the COMPLY,
Website. The Company's communication policy with shareholders
or investor can be accessed on the Company's website
at www.tugu.com
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 Komisaris MEMENUHI,
Memperkuat Keanggotaan dan mempertimbangkan kondisi Perusahaan Terbuka. Selain mengacu kepada Peraturan Otoritas Jasa
Komposisi Dewan Komisaris. Keuangan (POJK) mengenai Tata Kelola Perusahaan
Determination of the number of the Board of Perasuransian, penentuan jumlah anggota Dewan
Principle 3 Commissioners members has considered the Komisaris telah mempertimbangkan kondisi Perusahaan
Strengthen Membership and Public Company’s condition. Terbuka dan mengacu pada POJK 33/POJK.04/2014
Composition of the Board of tentang Direksi dan Dewan Komisaris Emiten atau
Commissioners. Perusahaan Publik.
COMPLY,
In addition to referring to the Financial Services
Authority Regulation (POJK) regarding Insurance
Company Governance, in determining the 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 Dewan Komisaris MEMENUHI,
memperhatikan keberagaman keahlian, Komposisi Anggota Dewan Komisaris telah memenuhi
pengetahuan, dan pengalaman yang dibutuhkan. kebutuhan Perseroan, masing-masing anggota
Komisaris memiliki pendidikan, pengalaman, dan
Determination of the Board of Commissioners kompetensi yang sesuai dengan kebutuhan Perseroan
Composition has considered the diversity of skills, sebagaimana yang telah diungkapkan pada Laporan
knowledge and experience required. Tahunan ini.
COMPLY,
The composition of the Board of Commissioners
has complied with the needs of the Company, each
member of the Board of Commissioners has education,
experience, and competence in accordance with the
needs of the Company as disclosed in this Annual
Report.
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Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Comply or Explain
Prinsip 4 4.1. Dewan Komisaris mempunyai kebijakan penilaian MEMENUHI,
Meningkatkan Kualitas sendiri (self-assessment) untuk menilai kinerja Perseroan telah mempunyai Kebijakan penilaian sendiri
Pelaksanaan Tugas dan Dewan Komisaris. untuk Dewan Komisaris sebagaimana disepakati dalam
Tanggung Jawab Dewan Key Performance Indicator (KPI) Dewan Komisaris.
Komisaris. Board of Commissioners has self-assessment
policy to assess their performance. COMPLY,
Principle 4 The Company has its own assessment policy for
Enhance the Quality of the the Board of Commissioners, as agreed in the
Board of Commissioners Key Performance Indicator (KPI) of the Board of
Duties and Responsibilities Commissioners.
Implementation.
a. Kebijakan penilaian sendiri (self- MEMENUHI,
assessment) untuk menilai kinerja Dewan Kebijakan penilaian sendiri (Self- Assessment) untuk
Komisaris, diungkapkan melalui Laporan menilai kinerja Dewan Komisaris telah diungkapkan
Tahunan Perusahaan Terbuka. dalam Laporan Tahunan ini.
Self-assessment to assess the COMPLY,
performance of the Board of The Self-Assessment policy for assessing the
Commissioners is disclosed in the Annual performance of the Board of Commissioners has been
Report of the Public Company. disclosed in this Annual Report.
b. Dewan Komisaris mempunyai kebijakan MEMENUHI
terkait pengunduran diri anggota Dewan Kebijakan ini telah diatur dalam ketentuan Anggaran
Komisaris apabila terlibat dalam kejahatan Dasar Perusahaan, dan Board Manual BAB 3
keuangan. Dewan Komisaris Huruf C tentang Masa Jabatan,
Pengangkatan, dan Pemberhentian Dewan Komisaris
Board of Commissioners has a policy on Angka 2) Pemberhentian Komisaris Poin f) Anggota
the resignation of Board of Commissioners Dewan Komisaris wajib mengundurkan diri apabila
members when engaged in financial crime. sudah ditetapkan berstatus terpidana oleh pihak
yang berwenang dalam Kejahatan Keuangan seperti
manipulasi dan berbagai bentuk penggelapan dalam
kegiatan jasa keuangan serta Tindakan Pidana
Pencucian Uang sebagaimana dimaksud dalam Undang-
Undang Nomor: 8 Tahun 2010 tentang Pencegahan dan
Pemberantasan Tindak Pidana Pencucian Uang.
COMPLY,
This policy has been regulated in the provisions of
the Company's Articles of Association, and the Board
Manual CHAPTER 3 Board of Commissioners Letter C
concerning Term of Office, Appointment and Dismissal
of the Board of Commissioners Number 2) Dismissal
of Commissioners Point f) Members of the Board
of Commissioners must resign if they have been
determined to have convict status by the party who
has authority in Financial Crimes such as manipulation
and various forms of embezzlement in financial
services activities as well as Money Laundering Crimes
as intended in Law Number: 8 of 2010 concerning
Prevention and Eradication of Money Laundering Crimes.
c. Dewan Komisaris atau Komite yang MEMENUHI,
menjalankan fungsi Remunerasi dan Telah disusun kebijakan suksesi dalam desain talent
Nominasi menyusun kebijakan suksesi pool management system untuk mencapai keberlanjutan
dalam proses Nominasi anggota Direksi. proses nominasi anggota Direksi.
Board of Commissioners or the Committee COMPLY,
carrying out Remuneration and Nomination A succession policy has been prepared in the design
function formulates succession policy in the of the talent pool management system to achieve
Nomination of Board of Directors members. continuity in the nomination process for members of the
Board of Directors.
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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 Keanggotaan dan mempertimbangkan kondisi Perusahaan Terbuka Penentuan jumlah anggota Direksi telah
Komposisi Direksi. serta efektivitas dalam pengambilan keputusan. mempertimbangkan kondisi Perusahaan dan mengacu
pada POJK No. 73/POJK.05/2016 tentang Tata Kelola
Principle 5 Determination of the number of the Board Perusahaan yang Baik bagi Perusahaan Perasuransian
Strengthening the Membership of Directors members has considered Public sebagaimana telah diubah dengan POJK No. 43/
and Composition of the Board Company's condition and effectiveness in POJK.05/2019 tentang Perubahan atas POJK No. 73/
of Directors. decision making. POJK.05/2016 Tentang Tata Kelola Perusahaan yang
Baik bagi Perusahaan Perasuransian dan POJK No. 33/
POJK.04/2014 tentang Direksi dan Dewan Komisaris
Emiten 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 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
dibutuhkan. pendidikan, pengalaman, dan kompetensi yang sesuai
dengan kebutuhan Perseroan sebagaimana yang telah
Determination of the composition of Board diungkapkan pada Laporan Tahunan ini.
of Directors members has considered the
diversity of skills, knowledge, and experience COMPLY,
needed. 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.
b. Anggota Direksi yang membawahi bidang MEMENUHI
akuntansi atau keuangan memiliki keahlian Bapak Emil Hakim sebagai Direktur Keuangan dan
dan/atau pengetahuan di bidang akuntansi. Layanan Korporat yang membawahi bidang akuntansi
atau keuangan memiliki latar belakang pendidikan,
Board of Directors Member in charge of pengalaman pekerjaan, dan keahlian dan/atau
accounting or finance has expertise and/or pengetahuan di bidang akuntansi. Beliau meraih gelar
knowledge in accounting. Sarjana Ekonomi Akuntansi dari Universitas 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
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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Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Comply or Explain
Prinsip 6 6.1. Direksi mempunyai kebijakan penilaian sendiri MEMENUHI
Meningkatkan Kualitas (self-assessment) untuk menilai kinerja Direksi. Perseroan telah mempunyai Kebijakan penilaian sendiri
Pelaksanaan Tugas dan untuk Direksi.
Tanggung Jawab Direksi. Board of Directors has self-assessment policy to
assess their performance. COMPLY,
Principle 6 The Company has its self-assessment policy for the
Enhance the Quality of Board of Directors.
the Board of Directors 6.2. Kebijakan penilaian sendiri (self-assessment) MEMENUHI
Duties and Responsibilities untuk menilai kinerja Direksi diungkapkan melalui Kebijakan Self-Assessment atas kinerja Direksi telah
Implementation. laporan tahunan Perusahaan Terbuka. diungkapkan pada bagian Penilaian Kinerja Direksi
dalam Bab Tata Kelola Laporan Tahunan ini.
Self-assessment policy to assess the Board
of Directors performance is disclosed through COMPLY
annual report of Public Company. The Self-Assessment Policy on Board of Directors'
performance has been disclosed in the Board of
Directors' Performance Assessment section in the
Governance Chapter of this Annual Report.
6.3. Direksi mempunyai kebijakan terkait pengunduran MEMENUHI
diri anggota Direksi apabila terlibat dalam Telah diatur dalam Board Manual.
kejahatan keuangan.
COMPLY,
Board of Directors has a policy regarding It has been regulated in the Board Manual.
resignation of the Board of Directors members
when engaged in financial crime.
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 untuk MEMENUHI,
Meningkatkan Aspek Tata mencegah terjadinya insider trading. Perseroan telah memiliki kebijakan untuk mencegah
Kelola Perusahaan melalui terjadinya insider trading, sebagaimana diatur dalam
Partisipasi Pemangku Public Company has a policy to prevent insider Pedoman Kebijakan Transaksi Bagi Orang Dalam No.
Kepentingan. trading. A-001/6500/2023, serta Pedoman Konflik Kepentingan
(Conflict of Interest) Tugu Insurance yang melarang
Principle 7 Insan Tugu untuk memanfaatkan informasi rahasia
Improve Corporate Governance dan data bisnis perusahaan untuk kepentingan di luar
Aspect through Stakeholders’ perusahaan.
participation.
COMPLY
The Company has a policy to prevent insider trading,
as regulated in the Transaction Policy Guidelines for
Insiders No. A-001/6500/2023, as well as the Tugu
Insurance Conflict of Interest Guidelines which prohibit
Tugu Personnel from using confidential information
and Company business data for interests outside the
Company.
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Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Comply or Explain
7.2. Perusahaan Terbuka memiliki kebijakan MEMENUHI,
antikorupsi dan anti fraud. Perseroan telah memiliki kebijakan anti korupsi
dan anti-fraud sebagaimana diatur dalam Pedoman
Public Company has anti-corruption and anti-fraud Pengendalian Gratifikasi, Pedoman Tata Kelola
policy. Perusahaan, Pedoman Sistematika Etika Usaha dan
Tata Perilaku (Code of Conduct), Pedoman Konflik
Kepentingan (Conflict of Interest), Pedoman Strategi
Anti-Fraud, dan Pedoman Sistem Manajemen Anti
Penyuapan (SMAP) yang diberlakukan bagi seluruh
Insan Perseroan.
COMPLY,
The Company has anti-corruption and anti-fraud policies
as regulated in the Gratification Control Guidelines,
Corporate Governance Guidelines, Systematic
Guidelines for Business Ethics and Code of Conduct,
Conflict of Interest Guidelines, Anti-Fraud Strategy
Guidelines, and Anti-Bribery Management System
(SMAP) Guidelines which applicable to all Company
Personnel.
7.3. Perusahaan Terbuka memiliki kebijakan tentang MEMENUHI,
seleksi dan peningkatan kemampuan pemasok Kebijakan Perseroan tentang seleksi dan peningkatan
atau vendor. kemampuan pemasok atau vendor telah diatur di
dalam Pedoman Pengadaan Barang dan Jasa No.
Public Company has a policy of vendor selection A-001/3701/2019.
and enhancement of suppliers or vendors’
capabilities. COMPLY,
The Company's policy regarding the selection and
enhancement of supplier or vendor capabilities has
been regulated in the Goods and Services Procurement
Guidelines No. A-001/3701/2019.
7.4. Perusahaan Terbuka memiliki kebijakan tentang JELASKAN,
pemenuhan hak-hak kreditur. Perseroan tidak memiliki pinjaman/kreditur dalam
artian Bank atau Lembaga Keuangan lainnya.
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 sistem MEMENUHI,
whistleblowing. Perseroan telah mempunyai Pedoman Whistleblowing
System (WBS) sebagaimana diungkapkan dalam Bab
Public Company has a whistleblowing system Tata Kelola Laporan Tahunan ini.
policy.
COMPLY,
The Company has Whistleblowing System (WBS)
Guidelines as disclosed in the Governance Chapter of
this Annual Report.
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Prinsip Rekomendasi Pemenuhan: Terpenuhi atau Jelaskan
Principle Recommendation Compliance: Comply or Explain
7.6. Perusahaan Terbuka memiliki kebijakan MEMENUHI.
pemberian insentif jangka panjang kepada Direksi Tugu Insurance telah mempunyai kebijakan pemberian
dan karyawan. insentif jangka panjang kepada Direksi dan Karyawan
dalam bentuk Program Kepemilikan Saham oleh
Public Company has a policy to give long- Karyawan dan/atau Manajemen (ESOP/MSOP),
term incentives to the Board of Directors and sebagaimana telah dijabarkan dalam Laporan Tahunan
employees. ini. Selain itu, Tugu Insurance juga memiliki kebijakan
pemberian insentif jangka panjang kepada Direksi
dan karyawan Tugu Insurance dalam bentuk: tantiem
tahunan dan asuransi purna jabatan bagi Direksi dan
uang pesangon berdasarkan PKB yang berlaku bagi
karyawan.
COMPLY,
Tugu Insurance has a policy of providing long-term
incentives to Board of Directors and Employees in
the form of an Employee and/or Management Share
Ownership Program (ESOP/MSOP), as described in this
Annual Report. Additionally, Tugu Insurance also has
a policy of providing long-term incentives to the Board
of Directors and employees of Tugu Insurance in the
form of: annual bonuses and post-service insurance for
Directors and severance pay based on the Collective
Employment Agreement that applies to employees.
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 penggunaan MEMENUHI,
Meningkatkan Pelaksanaan teknologi informasi secara lebih luas selain Situs Perseroan senantiasa berupaya untuk selalu
Keterbukaan Informasi. Web sebagai media keterbukaan informasi. meningkatkan kualitas keterbukaan informasi kepada
Stakeholders melalui media teknologi informasi,
Principle 8 Public Company utilizes the information selain website Perseroan, yaitu melalui media sosial
Improve the Implementation of technology more widely in addition to the website Perusahaan seperti Instagram, Facebook, Twitter,
Information Disclosure as a media for information disclosure. Youtube, dan TikTok.
COMPLY,
The Company always strives to improve the quality
of information disclosure to Stakeholders through
information technology media, apart from the
Company's website, namely through the Company's
social media such as Instagram, Facebook, Twitter,
YouTube and TikTok.
8.2. Laporan Tahunan Perusahaan Terbuka MEMENUHI.
mengungkapkan pemilik manfaat akhir dalam Perseroan telah mengungkapkan informasi mengenai
kepemilikan saham Perusahaan Terbuka paling pemilik manfaat akhir dalam kepemilikan saham
sedikit 5% (lima persen), selain pengungkapan Perusahaan Terbuka paling sedikit 5% (lima persen),
pemilik manfaat akhir dalam kepemilikan saham selain pengungkapan pemilik manfaat akhir dalam
Perusahaan Terbuka melalui pemegang saham kepemilikan saham Perseroan melalui pemegang
utama dan pengendali. saham utama dan pengendali.
Public Company’s Annual Report discloses COMPLY,
the ultimate beneficial owner in Shareholding The Company has disclosed information regarding the
of Public Company’s shares at least 5% (five ultimate beneficial owner in Public Company share
percent), an addition to the disclosure of the ownership of at least 5% (five percent), in addition
ultimate beneficial owner in Public Company’s to disclosing the ultimate beneficial owner in the
share ownership through majority and controlling Company's share ownership through the majority and
shareholders. controlling shareholders.
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Tata Kelola Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility Governance
Program Tanggung Jawab Sosial dan Lingkungan (TJSL) The Corporate Social Responsibility (CSR) Program for State-
pada Badan Usaha Milik Negara (BUMN) merupakan Owned Enterprises (SOEs) is the Company's commitment to
komitmen Perseroan terhadap pembangunan berkelanjutan. sustainable development. The implementation of the CSR
Pelaksanaan program TJSL bertujuan agar Tugu program aims to enable Tugu Insurance to provide economic,
Insurance dapat memberikan manfaat ekonomi, sosial, social, environmental, legal, and corporate governance
lingkungan, hukum, maupun tata kelola korporat yang benefits that are more integrated, targeted, with measurable
lebih terintegrasi, terarah, terukur dampaknya, serta impact, as well as being accountable and are part of the
dapat dipertanggungjawabkan dan merupakan bagian dari Company's business approach.
pendekatan bisnis Perseroan.
Tugu Insurance selaku bagian dari Anak BUMN Tugu Insurance as a Subsidiary of an SOE is committed to
berkomitmen untuk berperilaku transparan, etis, dan implementing transparent, ethical behavior, and contributing
berkontribusi terhadap pembangunan ekonomi yang to sustainable economic development so that all of the
berkelanjutan sehingga seluruh kegiatan usaha Perseroan Company's business activities are able to provide positive
dapat memberikan dampak positif bagi para pemangku impact on stakeholders and develop business in line
kepentingan dan mengembangkan bisnis sesuai dengan with sustainable principles. The Company’s CSR program
berpegang prinsip-prinsip berkelanjutan. Program TJSL always supports community development and sustainable
Perseroan senantiasa mendukung pengembangan environmentally-oriented development which addresses 3
masyarakat dan pembangunan berwawasan lingkungan (three) aspects, namely economic, social, and environmental
berkelanjutan yang menyentuh 3 (tiga) aspek, yakni consistently and sustainably.
ekonomi, sosial, dan lingkungan secara konsisten
dan berkesinambungan.
Sebagai bagian dari BUMN, Tugu Insurance berkomitmen As part of SOEs, Tugu Insurance is committed to comply
untuk memenuhi peraturan yang berlaku, termasuk Undang- with applicable regulations, including Law No. 19 of
Undang No. 19 Tahun 2003 tentang Badan Usaha Milik 2003 concerning State-Owned Enterprises (SOEs), which
Negara (BUMN) yang mengatur kewajiban perusahaan regulates the obligations of companies to allocate and use
untuk melakukan penyisihan dan penggunaan laba untuk the Company’s profits to encourage community economic
mendorong kegiatan dan pertumbuhan ekonomi kerakyatan activities and growth, also create equitable development
dan menciptakan pemerataan pembangunan melalui through expanding employment opportunities, business
perluasan lapangan kerja, kesempatan berusaha dan opportunities and community empowerment. Thus, guided
pemberdayaan masyarakat. Untuk itu, dengan berpedoman by the Minister of State-Owned Enterprises Regulation No.
pada Peraturan Menteri Badan Usaha Milik Negara No. PER- PER-1/MBU/03/2023 concerning Special Assignments and
1/MBU/03/2023 tentang Penugasan Khusus dan Program Social and Environmental Responsibility Programs for State-
Tanggung Jawab Sosial dan Lingkungan Badan Usaha Owned Enterprises, the Company is committed to fulfilling
Milik Negara, Perseroan berkomitmen untuk memenuhi these obligations.
kewajiban tersebut.
Aturan-aturan tersebut mengatur bahwa program TJSL These regulations stipulate that the CSR program must
dilakukan secara sistematis dan terpadu untuk menjamin be implemented systematically and integrated in order to
pelaksanaan dan pencapaian keberhasilan program guarantee that the priorities and/or program objectives,
TJSL sesuai dengan prioritas dan/atau pencapaian dari which are directed by the work plan, are met. According to
tujuan program TJSL yang berpedoman pada rencana this rule, CSR can also be implemented through funding for
kerja. Peraturan ini juga menyebutkan dalam pelaksanaan the Micro and Small Enterprise Funding (PUMK) Program and
TJSL dapat dilakukan dalam bentuk pembiayaan Program support for the Non-PUMK Program, which has phases that
Pendanaan Usaha Mikro dan Usaha Kecil (PUMK) dan include planning, carrying out, overseeing, and reporting.
bantuan Program Non-PUMK dengan tahapan meliputi
perencanaan, pelaksanaan, pengawasan dan pelaporan.
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Landasan Hukum TJSL Perseroan
Legal Basis for Company’s CSR
Pelaksanaan program TJSL di lingkungan Tugu Insurance The implementation of the CSR program within Tugu
senantiasa mengacu pada peraturan-peraturan, seperti: Insurance always refers to regulations, such as:
1. Undang-Undang RI No. 40 Tahun 2007 tentang 1. Republic of Indonesia Law No. 40 of 2007 concerning
Perseroan Terbatas; Limited Liability Companies;
2. Undang-Undang RI No. 19 Tahun 2003 tentang BUMN; 2. Republic of Indonesia Law No. 19 of 2003
3. Undang-Undang RI No. 8 Tahun 1999 tentang concerning SOEs;
Perlindungan Konsumen; 3. Republic of Indonesia Law No. 8 of 1999 concerning
4. Peraturan Pemerintah No. 47 Tahun 2012 Consumer Protection;
tentang Tanggung Jawab Sosial dan Lingkungan 4. Government Regulation No. 47 of 2012 concerning
Perseroan Terbatas; Social and Environmental Responsibility of Limited
5. Peraturan Otoritas Jasa Keuangan No. 1/POJK.07/2013 Liability Companies;
tentang Perlindungan Konsumen Sektor Jasa Keuangan. 5. Financial Services Authority Regulation No. 1/
POJK.07/2013 concerning Consumer Protection in the
Financial Services Sector.
Peraturan Menteri Badan Usaha Milik Negara No. PER-05/ Regulation of the Minister of State-Owned Enterprises
MBU/04/2021 tentang Program Tanggung Jawab Sosial dan No. PER-05/MBU/04/2021 concerning the Social and
Lingkungan Badan Usaha Milik Negara sebagaimana telah Environmental Responsibility Program for State-Owned
diubah dengan Peraturan Menteri Badan Usaha Milik Negara Enterprises as amended by Regulation of the Minister
Republik No. PER-06/MBU/09/2022. of State-Owned Enterprises of the Republic No. PER-06/
MBU/09/2022.
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Visi dan Misi Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility Vision and Mission
Menjadi Perusahaan Asuransi Umum yang memiliki kepedulian
VISI
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
VISION
effort to support sustainable national economic growth.
1. Melaksanakan komitmen korporat atas 1. Implement corporate commitment to
Corporate Social Responsibility (CSR)/ Corporate Social Responsibility (CSR)/Social
Tanggung Jawab Sosial dan Lingkungan and Environmental Responsibility which will
yang akan memberikan nilai tambah kepada provide added value to all stakeholders to
semua pemangku kepentingan (Stakeholders) support Company’s sustainable growth;
untuk mendukung pertumbuhan
2. Carry out corporate responsibility
MISI
perusahaan secara berkesinambungan;
as well as social and environmental
2. Melaksanakan tanggung jawab concerns for active participation in
korporat dan kepedulian sosial serta sustainable Indonesian development;
MISSIONS lingkungan untuk sebuah peran serta
aktif dalam pembangunan masyarakat
3. Build a harmonious and conducive
relationship with all stakeholders
Indonesia yang berkelanjutan;
to support the achievement of
3. Membangun hubungan yang harmonis corporate goals, especially in building
dan kondusif dengan semua pemangku corporate image and reputation.
kepentingan (stakeholders) untuk mendukung
pencapaian tujuan korporasi terutama dalam
membangun citra dan reputasi korporasi.
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Struktur Organisasi TJSL Perseroan
The Company’s CSR Organizational Structure
Guna memastikan seluruh program TJSL dapat berjalan To ensure that all CSR programs are smoothly implemented
dengan lancar sesuai dengan aspek ekonomi, lingkungan, in accordance with economic, environmental, and
dan sosial, Perseroan membentuk Corporate Secretary social aspects, the Company established the Corporate
Group, namun untuk kegiatan program kerja TJSL dalam Secretary Group, however for CSR work program activities
pelaksanaan utamanya berada di bawah fungsi Government, implementation is primarily under the function of the
PR & CSR Departemen. Struktur organisasi TJSL Perseroan Government, PR & CSR Department. The Company's CSR
ditetapkan berdasarkan pada SKD No. 169/SKD/04/HCM- organizational structure is established based on the Decree
OPR/ATPI/2023 Adapun struktur organisasi TJSL dapat of the Board of Directors No. 169/SKD/04/HCM-OPR/
dilihat sebagai berikut: ATPI/2023. The CSR organizational structure is as follows:
Presiden Direktur
President Director
Corporate Secretary
Sekretaris Perusahaan
Government, PR & CSR Department
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Implementasi TJSL Perseroan
CSR Implementation in the Company
Tanggung Jawab Sosial Terkait Perlindungan Social Responsibility in Customer Protection
Konsumen
Sebagaimana diatur dalam Peraturan OJK No. 6/ As regulated in OJK Regulation No. 6/POJK.07/2022
POJK.07/2022 tentang Perlindungan Konsumen Sektor concerning Consumer Protection in the Financial Services
Jasa Keuangan serta Pedoman Pengaduan Konsumen Tugu Sector and Guidelines for Consumer Complaints of Tugu
Insurance No. A-001/9A10/2018 rev-0, Tugu Insurance telah Insurance No. A-001/9A10/2018 rev-0, Tugu Insurance
memiliki program yang terkait dengan berbagai aktivitas has program related to various activities and provision of
maupun penyediaan materi informasi mengenai seluruh information materials regarding all products and services
produk dan layanan yang dimiliki secara terperinci. provided in details.
Komitmen Perseroan untuk memberikan layanan yang The Company's commitment to providing the best
terbaik dan bermanfaat bagi setiap pemangku kepentingan service and benefit for every stakeholder or consumer
atau konsumen diwujudkan melalui sikap dan respon yang is demonstrated through the professional attitude and
profesionalisme dari Perseroan dan segenap jajaran dalam professionalism of the Company, and all levels in serving
melayani konsumen. Perseroan juga menjamin kualitas consumers. The Company also guarantees swift, responsive,
pelayanan kepada setiap konsumen dengan sigap, responsif and trustworthy quality service to every consumer.
dan terpercaya.
Disamping itu, Perseroan juga mempunyai Pedoman Additionally, the Company also has a Systematic Code of
Sistematika Etika Usaha dan Tata Perilaku (Code of Conduct Business Ethics and Code of Conduct (or CoC) which, among
atau CoC) yang antara lain mengatur tentang Etika Perseroan other regulates the Company’s Ethics with Customers,
dengan Pelanggan, yaitu: namely:
1. Memberikan pelayanan terbaik bagi pelanggan; 1. Provide the best service for customers;
2. Memberikan informasi maupun iklan/promosi secara 2. Provide information and advertisements/promotions in
sehat, fair, jujur, dan tidak menyesatkan, serta diterima a healthy, fair, honest and non-misleading manner, and
oleh norma masyarakat; acceptable to the societal norms;
3. Memelihara reputasi atau kepercayaan pelanggan serta 3. Maintain customer reputation or trust and protect
menjaga informasi/kerahasiaan pelanggan. customer information/confidentiality.
Tugu Insurance senantiasa berupaya menyelesaikan seluruh Tugu Insurance always tries to resolve all customer
keluhan pelanggan dan berkomitmen untuk memperbaiki complaints and is committed to improving service quality.
kualitas layanan. Oleh karenanya, Perseroan menyediakan Therefore, the Company provides facilities for customers to
sarana bagi para pelanggan untuk dapat menyampaikan submit complaints, including suggestions and criticism on
pengaduan, termasuk saran dan kritik mengenai produk products and services as well as other issues related to
dan layanan serta tentang hal-hal lain yang berkaitan the Company.
dengan Perseroan.
Untuk menangani keluhan dan pertanyaan dari konsumen To handle complaints and questions from consumers
mengenai produk dan jasa Tugu Insurance, Perseroan regarding Tugu Insurance products and services, the
menyediakan sarana melalui: Company provides services access through:
• Call TIA (Tugu Insurance Assistance) Pelayanan Konsumen • Call TIA (Tugu Insurance Assistance) Consumer Service
tersedia 24H/7D melalui “Call TIA” 1500 458 untuk is available 24H/7D via “Call TIA” 1500 458 to serve
melayani kebutuhan informasi produk, layanan polis inquiries about product information, insurance policy
asuransi, lapor klaim, hingga bantuan darurat di services, claim reports, and emergency assistance on
jalan raya. the road.
• Whatsapp: 081197900100 • WhatsApp: 08119790010
• Email: calltia@tugu.com • Email: calltia@tugu.com
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Melalui sejumlah media penyampaian informasi yang Through several existing media information, the complaints
tersedia, pengaduan yang masuk akan diteruskan kepada will be forwarded to the user concerned or related parties
user bersangkutan atau pihak terkait melalui petugas yang through the person-in-charge (PIC) to be followed up by
ditetapkan untuk menangani melalui surat elektronik (email). electronic mail (email). Then, the user or related party
Kemudian user atau pihak terkait akan melakukan tindakan will take further action on the complaint. The stages from
lebih lanjut atas pengaduan tersebut. Tahapan dari fase the complaint received to the complaint resolution are
penerimaan pengaduan hingga fase penyelesaian pengaduan as follows:
adalah sebagai berikut:
Diteruskan ke
Pengaduan Diterima Penyelesaian
User Terkait
1 Masuk 2 oleh PIC 3 Forwarded to
4 Pengaduan
Complaint Send Received by PIC Complaint Resolution
Related User
Dengan adanya fasilitas tersebut Perseroan dapat With this facility, the Company can obtain information
memperoleh informasi dari konsumen mengenai keluhan, from the customers regarding complaints, questions,
pertanyaan, saran/masukan dan tingkat kepuasan terhadap suggestions/feedback and satisfaction level on the services
layanan yang diberikan oleh Perseroan. provided by the Company.
Program Peningkatan Layanan Kepada Konsumen Consumer Service Improvement Program
• Pengendalian Kualitas Produk/Jasa. • Product/Service Quality Control.
Dalam menjalankan kegiatan usahanya, Perseroan In carrying out its business activities, the Company
selalu mengutamakan kualitas produk atau layanan always prioritizes product or service quality and consumer
dan kepuasan konsumen atau nasabah. Tugu Insurance or customer satisfaction. Tugu Insurance is committed
berkomitmen untuk meningkatkan dan menjaga kualitas to improving and maintaining products and services
produk dan jasa yang bersinggungan langsung dengan quality that have direct contact with consumers or
konsumen atau nasabah melalui kemudahan dalam customers through convenience locations, friendly staff,
menemukan lokasi, keramahan petugas, kesigapan prompt service, comfort in service offices, suitability
petugas dalam pelayanan, kenyamanan di kantor layanan, of prices with the products offered, and informative
kesesuaian harga dengan produk yang ditawarkan, hingga promotional programs.
program promosi yang informatif.
Perseroan menempatkan konsumen atau nasabah The Company considers consumers or customers as
sebagai mitra bisnis yang akan membantu pencapaian business partners who will contribute to achieving the
kinerja usaha. Kebijakan yang dijalankan Perseroan business performance. The policy implemented by
menjamin hubungan kerja sama secara berkelanjutan the Company guarantees a sustainable cooperative
dengan konsumen atau nasabah yang dilakukan secara relationship with consumers or customers which is
transparan dan profesional dalam rangka memenuhi carried out transparently and professionally to fulfill
kepuasan konsumen atau pelanggan dengan terus consumer or customer satisfaction by continuously
meningkatkan kualitas produk dan layanan. improving the products and services quality.
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• Kejelasan Informasi Produk. • Clarity of Product Information.
Tugu Insurance menyediakan berbagai informasi Tugu Insurance provides various necessary material
material yang diperlukan secara transparan, terbuka, information in a transparent, open, accurate, and timely
akurat dan tepat waktu, sebagai dasar pengambilan manner, as a basis for customers’ decision-making to
keputusan bagi konsumen untuk menggunakan produk use the Company’s products or services. Marketing
atau jasa Perseroan. Kegiatan komunikasi pemasaran communication activities are also an effort to protect the
juga menjadi salah satu upaya untuk melindungi hak rights of consumers or customers to obtain accurate,
konsumen atau nasabah untuk memperoleh informasi clear, and reliable information. The Company realizes that
yang akurat, jelas, dan dapat dipercaya. Perseroan effective communication and alignment with the services
menyadari, komunikasi yang berjalan secara efektif dan that match consumer expectations can create loyalty and
selaras dengan layanan yang sesuai dengan harapan long-term business relationships. The Company provides
konsumen, dapat menciptakan loyalitas dan hubungan various adequate communication facilities so that the
bisnis jangka panjang. Perseroan menyediakan berbagai quality of Tugu Insurance products and services can
sarana komunikasi yang memadai, agar kualitas produk always meet consumer or customer expectations, where
dan layanan Tugu Insurance senantiasa dapat memenuhi the Company's website is one of the ways.
harapan konsumen atau nasabah, salah satunya melalui
website Perusahaan.
Biaya yang Dikeluarkan untuk Perlindungan Costs Incurred for Customer Protection
Konsumen
Adapun biaya yang dikeluarkan untuk merealisasikan The cost incurred to accomplish the Company's social
tanggung jawab sosial Perseroan di bidang perlindungan responsibility in the customer protection field in
pelanggan tahun 2023 adalah sebesar Rp1.152.543.320,- 2023 is IDR1,152,543,320, which is the cost for call
yang merupakan biaya untuk layanan call center. center services.
Bersatu Aksi Kepedulian Tugu Insurance (Bakti Bersatu Aksi Kepedulian Tugu Insurance (Bakti
TUGU) TUGU)
Kegiatan TJSL Perseroan terbagi menjadi program Bakti The Company's corporate social responsibility initiatives
TUGU yang berfokus kepada 4 Pilar antara lain: are categorized into Bakti Tugu projects, which center in 4
main pillars:
1. Bakti TUGU Pilar Lingkungan Hidup. 1. Bakti TUGU for Environmental Pillar.
Kegiatan Bakti TUGU di tahun 2023 yang berhubungan Bakti TUGU activities in 2023 related to the Environment
pilar Lingkungan Hidup antara lain: pillar include:
• Penanaman 250 bibit pohon mangrove dan • Planting 250 mangrove tree seedlings and building 20
pembangunan infrastruktur boardwalk sepanjang meters of boardwalk infrastructure in Muara Angke,
20 meter di Muara Angke, PIK, Jakarta Utara dalam PIK, North Jakarta as a part of Jakarta Mangrove
kegiatan Mangrove Jakarta dengan menggunakan activity using the 2022 accrual budget.
anggaran akrual 2022. • Planting 350 mangrove seedlings as a part of the BAF
• Penanaman 350 bibit mangrove dalam kegiatan BAF Eco Move activity.
Eco Move. • Planting 2,000 productive tree seedlings in
• Penanaman 2000 bibit pohon produktif di Semarang, Semarang, Central Java as a part of the Nandur
Jawa Tengah dalam kegiatan Nandur Pohon Pohon Sareng Tugu activity.
Sareng Tugu. 2. Bakti TUGU for Education and Financial Literacy Pillars.
2. Bakti TUGU Pilar Pendidikan dan Literasi Keuangan. Bakti TUGU activities in 2023 related to the Education
Kegiatan Bakti TUGU di tahun 2023 yang berhubungan and Financial Literacy pillars include:
pilar Pendidikan dan Literasi Keuangan antara lain: • Renovation of TPQ Al-Kusuf and Infrastructure
• Renovasi TPQ Al-Kusuf dan Sarana Prasarana Masjid Facilities of Masjid Raya Al-Kusuf Duren Sawit,
Raya Al-Kusuf Duren Sawit, Jakarta. Jakarta.
• Pembangunan ruang kelas SMP Pondok Pesantren • Construction of junior high school classrooms at
Tahfidz Madinatur Rahma. Madinatur Rahma Tahfidz Islamic Boarding School.
• Coaching clinic dan edukasi sepak bola. • Coaching clinic and soccer education.
• Program beasiswa dan literasi keuangan bersama • Scholarship and financial literacy program with Karya
Karya Salemba Empat. Salemba Empat.
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• Bantuan pendidikan dan literasi keuangan bersama • Educational donations and financial literacy with
Jelajah Pewarta Foto Ekonomi (JPEK). Jelajah Pewarta Foto Ekonomi (JPEK).
• Bantuan program pembangunan masjid dan sarana • Donation for mosque construction program and
pendidikan TPQ Masjid DKM At-Taqwa Erfina Kencana educational facilities for TPQ Masjid DKM At-Taqwa
Regency, Cibinong – Bogor. Erfina Kencana Regency, Cibinong - Bogor.
• Program Beasiswa Mahasiswa untuk Bekerja • Student Scholarship Program for Work and Study.
dan Belajar. • Training & Certification for employees.
• Training & Certification untuk karyawan. 3. Bakti TUGU for Health and Safety Pillars.
3. Bakti TUGU Pilar Kesehatan dan Keselamatan. Bakti TUGU activities in 2023 related to the Health and
Kegiatan Bakti TUGU di tahun 2023 yang berhubungan Safety pillar include:
pilar Kesehatan dan Keselamatan antara lain: • Fifth anniversary of Alanbikers.com.
• Pancawarsa Alanbikers.com. • Donation for medical accommodation and nutritional
• Bantuan akomodasi medis dan kebutuhan nutrisi needs of children with cancer.
anak penderita kanker. • Construction of clean water facilities in Sukamanah
• Pembangunan fasilitas air bersih di Desa Sukamanah, Village, Sumedang.
Sumedang. • Socialization of homecoming for the Healthy and Safe
• Sosialisasi mudik dalam kegiatan Mudik Bareng Homecoming program.
Sehat dan Selamat. • Health webinar with the theme "Healthy Fasting and
• Webinar kesehatan dengan judul "Puasa Sehat be Productive in This World and the Hereafter with
Produktif Dunia Akhirat bersama BPJS Kesehatan". BPJS Kesehatan".
• Ambulance Gratis (wilayah Jabodetabek). • Free Ambulance (Jabodetabek area).
• Donor Darah. • Blood Donation.
• Vaksin booster ke-2. • 2nd booster vaccine.
4. Bakti TUGU Pilar Pemberdayaan Masyarakat. 4. Bakti TUGU for Community Empowerment Pillar.
Kegiatan Bakti TUGU di tahun 2023 yang berhubungan Bakti TUGU activities in 2023 related to the Community
pilar Pemberdayaan Masyarakat antara lain: Empowerment pillar include:
• Pembuatan rumah pasca gempa di Cianjur. • Post-earthquake house construction in Cianjur.
• Pemberdayaan kelompok tani di Semarang, Jawa • The Nandur Pohon Sareng Tugu activity in Semarang,
Tengah dalam kegiatan Nandur Pohon Sareng Tugu. Central Java to empower farmers in the region.
Biaya yang dikeluarkan untuk mendukung implementasi Costs incurred to support the implementation of CSR
kegiatan TJSL melalui rangkaian program Bakti TUGU di activities through a series of Bakti TUGU programs in 2023.
tahun 2023.
Kegiatan Bakti TUGU Biaya (Rp)
No
Bakti TUGU Activities Costs (IDR)
1 Pemberdayaan Masyarakat 254.072.000
Community Empowerment
2 Pendidikan & Literasi Keuangan 2.838.568.731
Education & Financial Literacy
3 Kesehatan & Keselamatan 460.478.021
Health & Safety
4 Lingkungan Hidup 100.500.000
Environtment
Total Biaya 3.653.618.752
Total Costs
Selain itu, Perseroan turut berkontribusi dalam program In addition, the Company also contributes to programs
terkait Social Charity terutamanya di bidang Keagamaan dan related to Social Charity, especially for Religion, Arts and
Pengembangan Seni Budaya. Selama tahun 2023, total biaya Culture Development. Throughout 2023, the total costs
yang dikeluarkan untuk kegiatan Social Charity di bidang spent on Social Charity activities for Religion and Cultural
Keagamaan dan Pengembangan Seni Budaya adalah sebesar Arts Development amounted to IDR241,720,450.
Rp241.720.450,-.
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Adapun realisasi penyaluran dana untuk seluruh kegiatan The realization of the distribution of funds for all activities
terkait TJSL 2023 yag mengedepankan dukungan terhadap related to 2023 TJSL which prioritizes support for SDGs is
TBP adalah melalui fungsi Government, PR & CSR sebesar through the Government, PR & CSR function of IDR962.86
Rp962,86 juta, realisasi penyaluran dana melalui fungsi million, the realization of the distribution of funds through
Human Capital Management sebesar Rp2,93 miliar dan the Human Capital Management function of IDR2.93 billion
Realisasi penyaluran dana melalui fungsi Compliance & and the realization of the distribution of funds through the
Quality Assurance sebesar Rp131,95 juta, sehingga total Compliance & Quality Assurance function of IDR131.95
realisasi dana yang dikeluarkan oleh Perseroan adalah million, in total, the Company spent IDR4.03 billion for
sebesar Rp4,03 miliar, dimana uraian atas hal ini di CSR activities, with a detailed explanation in the 2023
tuangkan dalam Laporan Keberlanjutan 2023. Sustainability Report.
Di tahun 2023, Perseroan belum memiliki sertifikasi yang In 2023, the Company did not have certification related to
berkaitan dengan lingkungan hidup. Namun Perseroan the environment. However, the Company has become the
menjadi leader konsorsium asuransi penyingkiran kerangka leader of the insurance consortium for the evacuation of
kapal termasuk tanggung jawab polusi di laut. Hal ini sebagai shipwrecks including marine pollution liability. This is one
salah satu komitmen Perseroan untuk terus berpartisipasi of the Company's commitments to continue to actively
aktif dalam mendukung pelestarian lingkungan. participate in supporting environmental conservation.
Pemenuhan Surat Edaran
Otoritas Jasa Keuangan Nomor 16/SEOJK.04/2021
Fulfillment of Financial Services Authority Circular Letter Number 16/SEOJK.04/2021
Sebagai bentuk pemenuhan kepatuhan Perseroan terhadap To comply with the Financial Services Authority Regulation
Peraturan Otoritas Jasa Keuangan Nomor 51/POJK.03/2017 Number 51/POJK.03/2017 concerning the Implementation
tentang Penerapan Keuangan Berkelanjutan bagi Lembaga of Sustainable Finance for Financial Services Institutions,
Jasa Keuangan, Emiten dan Perusahaan Publik, Tugu Issuer, and Public Companies, Tugu Insurance has also
Insurance telah menyusun Laporan Keberlanjutan Tahun prepared a 2023 Sustainability Report which is presented
2023 yang disajikan secara terpisah dari Laporan separately from this Annual Report. This Sustainability
Tahunan ini. Laporan Keberlanjutan ini merupakan laporan Report is a periodic report that discloses the Company's
berkala yang mengungkapkan Tanggung Jawab Sosial dan Social and Environmental Responsibility which is prepared
Lingkungan Perseroan yang disusun dengan mengacu in accordance with the Financial Services Authority Circular
pada Surat Edaran Otoritas Jasa Keuangan No. 16/ Letter No. 16/SEOJK.04/2021 concerning Form and Content
SEOJK.04/2021 tentang Bentuk dan Isi Laporan Tahunan of Annual Reports of Issuers or Public Companies.
Emiten atau Perusahaan Publik.
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Checklist AR 2023 dengan SK-16/S.MBU/2012
tentang Indikator/Parameter Penilaian dan Evaluasi Atas
Penerapan Tata Kelola Perusahaan yang Baik (Good
Corporate Governance) pada Badan Usaha Milik Negara
Checklist of AR 2023 with SK-16/S.MBU/2012 on Indicators/Parameters of Assessment
and evaluation of Good Corporate Governance Implementation on State Owned Enterprises
Penjelasan Kriteria
Checklist
Definition of Criteria
Laporan Tahunan memenuhi ketentuan umum penyajian Laporan Tahunan.
Annual Report fulfills the general provision of Annual Report presentation.
Faktor-faktor yang Diuji Kesesuaian Penerapannya:
Factors Tested for Compliance of Implementation:
(1) Ketentuan umum.
General Provision.
a. Laporan Tahunan disajikan dalam Bahasa Indonesia dan Bahasa Inggris secara berdampingan.
Annual Report shall be presented in Indonesian and English side by side.
b. Laporan Tahunan dicetak pada kertas yang berwarna terang agar mudah dibaca dan jelas.
Annual Report shall be printed on bright colored paper to make it easy and clear to read
c. Laporan tahunan mencantumkan identitas perusahaan dengan jelas, yakni terdapat tahun Laporan Tahunan dan
identitas perusahaan berupa nama perusahaan (bukan nama Group) di halaman depan (sampul), di samping
(yang dicetak dengan huruf yang jelas, mudah terbaca), halaman belakang (sampul) dan identitas perusahaan di
setiap halaman.
Annual Report shall clearly presents the Company identity in which it includes the year of Annual Report and the
identity of the Company along with its name (not group name) on the cover page (cover), on the side (printed in
clear font to make it easy to read), at the back page (cover) and contains Company identity on each page.
(2) Laporan Tahunan disajikan dalam website Perusahaan dan dapat diunduh. Yang dimaksud dengan website Perusahaan
adalah website yang dimiliki sendiri atau oleh induk , bukan website pihak lain (contoh: tercantum di website
Kementerian Negara perusahaan atau website BEI).
The Annual Report shall be presented and can be downloaded on the Company's website. The Company's website is a
website owned by itself or by its parent entity, not the website of another party (for example: listed on the website of the
Ministry of State of the company or the IDX website).
Laporan Tahunan memuat mengenai Ikhtisar Data Keuangan Penting.
The Annual Report contains Overview of Important Financial Data
Faktor-faktor yang Diuji Kesesuaian Penerapannya:
Factors Tested for Compliance of Implementation:
(1) Perusahaan menyajikan infonmasi keuangan (laporan posisi keuangan, laporan laba rugi komprehensif, rasio-rasio
keuangan secara umum dan yang relevan dengan industri perusahaan) dalam bentuk perbandingan selama 5 (lima)
tahun buku. 20-25
The Company shall present financial information (statement of financial position, comprehensive income statement,
general financial ratios and those relevant to the Company's industry) in comparative form for 5 (five) fiscal years.
(2) Laporan Tahunan wajib memuat informasi harga Saham tertinggi, terendah, dan penutupan, serta jumlah Saham yang
diperdagangkan (dicatatkan) untuk setiap masa triwulan dalam 2 (dua) tahun buku terakhir Uika ada). Harga Saham
sebelum perubahan penmodalan terakhir wajib disesuaikan dalam hal te adi antara lain karena pemecahan Saham,
dividen Saham, dan Saham bonus dslsm bentuk grafik dan label (NA jika listed company hanya menerbitkan obligasi
atau non listed company). 26-27
The Annual Report shall contain information on the highest, lowest, and closing share prices, as well as the number
of shares traded (listed) for each quarter in the last 2 (two) fiscal years of existence. The share price before the last
capital change must be adjusted in the following cases, among others, due to stock splits, stock dividends and bonus
shares, etc. in the form of graphs and labels (NA if the listed company only issues bonds or is a non-listed company).
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Penjelasan Kriteria
Checklist
Definition of Criteria
(3) Laporan Tahunan wajib memuat infonmasi jumlah obligasi atau obligasi konvertibel yang diterbitkan yang masih beredar,
tingkat bunga, dan tanggal jatuh tempo dalam 2 (dua) tahun buku terakhir: (1) Jumlah obligasi/obligasi konversi yang
beredar; (2) Tingkat bunga; (3) Tanggal jatuh tempo; (4) Peringkat obligasi (NA jika tidak menerbitkan obligasi/non listed
company). 29
The Annual Report shall contain information on the number of bonds or convertible bonds issued which are still
outstanding, interest rates, and maturity dates in the last 2 (two) fiscal years: (1) Number of bonds/convertible bonds
outstanding; (2) Interest rate; (3) Due date; (4) Bond rating (NA if not issuing bonds/non-listed company).
Laporan Tahunan memuat Laporan Dewan Komisaris/Dewan Pengawas dan Laporan Direksi.
The Annual Report contains the Board of Commissioners/Supervisory Board Report and the Board of Directors' Report.
Faktor-faktor yang Diuji Kesesuaian Penerapannya:
38-46
Factors Tested for Compliance of Implementation:
(1) Laporan Dewan Komisaris/Dewan Pengawas memuat hal-hal:
The Board of Commissioners/Supervisory Board report contains the following matters:
a. Penilaian kinerja direksi mengenai pengelolaan perusahaan;
Assessment of the board of directors’ performance regarding company management;
b. Pandangan alas prospek usaha perusahaan yang disusun oleh direksi;
Outlook of the company's business prospects prepared by the board of directors;
c. Komite-komite yang berada dibawah pengawasan Dewan Komisaris/Dewan Pengawas;
Committees under the supervision of the Board of Commissioners/Supervisory Board;
d. Perubahan komposisi dewan komisaris/Dewan Pengawas Uika ada).
Changes in the composition of the board of commissioners/supervisory board (if any).
(2) Laporan Direksi memuat hal-hal:
47-57
The Directors' Report contains the following matters:
a. Kinerja perusahaan mencakup antara lain kebijakan strategis, perbandingan antara hasil yang dicapai dengan
yang ditargetkan, dan kendala-kendala yang dihadapi perusahaan;
Company performance includes strategic policies, a comparison between the results achieved and those
targeted, and the obstacles faced by the Company;
b. Prospek usaha;
Business prospects;
c. Penerapan Tata Kelola Perusahaan yang Baik yang telah dilaksanakan oleh perusahaan;
Implementation of Good Corporate Governance by the Company;
d. Perubahan komposisi direksi (Jika ada).
Changes in the composition of the board of directors (if any).
(3) Tanda tangan anggota direksi dan anggota dewan komisaris/dewan pengawas memuat hal-hal:
The signatures of members of the board of directors and members of the board of commissioners/supervisory board 58-59
contain the following:
a. Tanda tangan dituangkan pada lembaran tersendiri;
The signature is written on a separate sheet;
b. Pernyataan bahwa direksi dan dewan komisaris/dewan pengawas bertanggung jawab penuh alas kebenaran isi
laporan tahunan;
A statement that the directors and board of commissioners/supervisory board are fully responsible for the
accuracy of the contents of the annual report;
c. Ditandatangani seluruh anggota dewan komisaris/dewan pengawas dan anggota direksi dengan menyebutkan
nama dan jabatannya;
Signed by all members of the board of commissioners/supervisory board and members of the board of directors
by stating their names and positions;
d. Penjelasan tertulis dalam surat tersendiri dari ybs dalam hal terdapat anggota dewan komisaris/dewan
pengawas atau direksi yang tidak menandatangani laporan tahunan, atau penjelasan tertulis dalam surat
tersendiri dari anggota yang lain dalam hal tidak terdapat penjelasan tertulis dari yang bersangkutan.
Written explanation in a separate letter from the person concerned in case there is member(s) of the board of
commissioners/supervisory board or board of directors who do not sign the annual report, or written explanation
in a separate letter from other members in case there is no written explanation from the person concerned.
Laporan tahunan ditandatangani oleh semua anggota Direksi dan semua anggota dewan komisaris/dewan pengawas
yang menjabat pada tahun buku yang bersangkutan dan disediakan di kantor Perseroan sejak tanggal panggilan RUPS
untuk dapat diperiksa oleh pemegang Saham.
The annual report is signed by all members of the board of directors and all members of the board of commissioners/
supervisory board who served in the relevant fiscal year and is provided at the Company's office from the date of the
summons to the GMS for inspection by Shareholders.
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Checklist
Definition of Criteria
Laporan Tahunan memuat profil perusahaan secara lengkap
The Annual Report contains a complete company profile
Faktor-faktor yang Diuji Kesesuaian Penerapannya:
Factors Tested for Compliance of Implementation:
(1) Nama dan alamat perusahaan, antara lain mencakup informasi tentang nama dan alamat, kode pas, no. Telp & atau
no. Fax, email, dan website.
62
Company name and address, including information about name and address, pass code, telephone & fax numbers,
email, and website.
(2) Riwayat singkat perusahaan mencakup antara lain: tanggal/tahun pendirian, nama dan perubahan nama perusahaan
jika ada. 63-65
A brief company history includes: date/year of establishment, name and changes to the Company name, if any.
(3) Bidang usaha meliputi jenis produk dan atau jasa yang dihasilkan.
74-83
The line of business includes the types of products and/or services given.
(4) Struktur Organisasi dalam bentuk bagan, meliputi nama dan jabatan.
88-89
Organizational structure in chart form, including names and positions.
(5) Visi dan Misi Perusahaan yang mencakup: (a) Penjelasan tentang visi perusahaan; (b) Penjelasan tentang misi
perusahaan.
70
Company Vision and Mission which includes: (a) Explanation of the Company vision; (b) Explanation of the Company
mission.
(6) Nama, jabatan, dan riwayat hidup singkat anggota Dewan Komisaris/Dewan Pengawas (umur, pendidikan dan
pengalaman kerja).
90-103
Names, positions and brief biographies of members of the Board of Commissioners/Supervisory Board (age, education
and work experience).
(7) Nama, jabatan, dan riwayat hidup singkat anggota direksi (umur, pendidikan, dan pengalaman kerja).
104-117
Names, positions and brief biographies of members of the board of directors (age, education and work experience).
(8) Jumlah Karyawan (komparatif 2 tahun) dan deskripsi pengembangan kompetensinya (misal: aspek pendidikan dan
pelatihan karyawan). lnformasi paling sedikit memuat antara lain:
118-128
Number of employees (comparative 2 years) and description of competency development (eg: aspects of employee
education and training). Information that at least includes:
a. Jumlah karyawan untuk masing-masing level organisasi;
Number of employees for each organizational level;
b. Jumlah karyawan untuk masing-masing tingkat pendidikan;
Number of employees for each education level;
C. Pelatihan karyawan yang telah dan akan dilakukan;
Employee training that has been and will be carried out;
d. Adanya persamaan kesempatan kepada seluruh karyawan;
There is equality of opportunity for all employees;
e. Biaya yang telah dikeluarkan.
Cost expenditure
(9) Komposisi Pemegang Saham mencakup antara lain:
129-132
Shareholder composition includes:
a. Nama pemegang Saham yang memiliki 5% atau lebih Saham;
Name of Shareholder who owns 5% or more of the Shares;
b. Direktur dan komisaris yang memiliki Saham (Direksi dan Dewan Komisaris/Dewan Pengawas wajib melaporkan
kepada perusahaan mengenai kepemilikan Sahamnya dan/atau keluarganya pada perusahaan yang
bersangkutan dan perusahaan lain, termasuk setiap perubahannya);
Directors and commissioners who own shares (Directors and Board of Commissioners/Supervisory Board are
required to report to the Company regarding their and/or family's share ownership in the Company concerned
and other companies, including any changes thereto);
c. Pemegang Saham masyarakat dengan kepemilikan Saham masing- masing kurang dari 5%.
Public shareholders with individual share ownership of less than 5%.
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Definition of Criteria
(10) Daftar Anak Perusahaan dan atau Perusahaan Asosiasi antara lain memuat informasi:
134-136
The List of Subsidiaries and/or Associated Companies includes, among other things, information:
a. Nama Anak Perusahaan/Perusahaan Asosiasi;
Name of Subsidiary/Associated Company;
b. % Kepemilikan Saham;
Shareholding Percentage;
c. Keterangan tentang bidang usaha anak perusahaan atau perusahaan asosiasi;
Information about the line of business of the subsidiary or associated company;
d. Keterangan status operasi perusahaan anak atau perusahaan asosiasi (telah beroperasi atau belum
beroperasi).
Information on the operational status of subsidiary companies or associated companies (already operating or
not yet operating).
Catatan:
Note:
• Bila perusahaan tidak mempunyai anak perusahaan tetapi mempunyai perusahaan asosiasi tetap diberlakukan
kriteria penilaian diatas.
If the company does not have subsidiaries but has associated companies, the above assessment criteria still apply.
• Tentang ada/tidaknya perusahaan anak dan perusahaan asosiasi dapat dipastikan di catatan atas laporan
keuangan bagian investasi jangka panjang atau dengan diketahui pada judul laporan keuangan (konsolidasi atau
tidak).
The presence or absence of subsidiaries and associated companies can be confirmed in the notes to the financial
statements under long-term investments or by noting the title of the financial statements (consolidated or not).
(11) Kronologis pencatatan Saham, antara lain memuat informasi:
134-136
The chronology of Share listing includes, among other things, information:
a. Kronologis pencatatan Saham;
Chronology of Share listing;
b. Jenis tindakan perusahaan (corporate action) yang menyebabkan perubahan jumlah Saham;
Type of corporate action that causes changes in the number of shares;
C. Perubahan jumlah Saham dari awal pencatatan sampai dengan akhir tahun buku;
Changes in the number of Shares from the beginning of registration to the end of the fiscal year;
d. Nama bursa dimana Saham perusahaan dicatatkan (NA bagi listed company yang hanya menerbitkan obligasi
atau non listed company).
Name of the exchange in which the Company's shares are listed (NA for listed companies that only issue bonds
or non-listed companies).
(12) Kronologis pencatatan Efek lainnya mencakup antara lain:
134-136
The chronology of other Securities recording includes:
a. Kronologis pencatatan efek lainnya;
Chronology of recording of other securities;
b. Jenis tindakan perusahaan (corporate action) yang menyebabkan perubahan jumlah efek lainnya;
Type of corporate action that causes changes in the number of other securities;
C. Perubahan jumlah efek lannya dari awal pencatatan sampai dengan akhir tahun buku;
Changes in the number of other securities from the beginning of recording until the end of the fiscal year;
d. Nama Bursa dimana efek lainnya perusahaan dicatatkan;
Name of the exchange in which the Company's other securities are listed;
e. Peringkat efek (NA listed company yang hanya menerbitkan Saham atau non listed company).
Securities rating (NA listed company that only issues shares or non-listed company).
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Definition of Criteria
(13) Nama dan alamat lembaga dan atau profesi penunjang pasar modal memuat antara lain:
139
The name and address of the capital market supporting institution and/or profession includes, among other things:
a. Nama dan alamat BAE;
Names and addresses Securities Administration Bureau;
b. Nama dan alamat Kantor Akuntan Publik;
Name and address of the Public Accounting Firm;
c. Nama dan alamat perusahaan pemeringkat efek.
Name and address of securities rating company.
Catalan:
Note:
• Untuk perusahaan yg hanya menerbitkan Saham, dianggap lengkap jika kriteria a & b terpenuhi
For companies that only issue shares, it is considered complete if criteria a & b are fulfilled
• untuk perusahaan yg hanya menerbitkan obligasi, dianggap lengkap jika kriteria b & c terpenuhi;
For companies that only issue bonds, it is considered complete if criteria b & c are fulfilled;
• Untuk perusahaan yag menerbitkan Saham & obligasi, dianggap lengkap jika semua kriteria terpenuhi
For companies that issue shares and bonds, it is considered complete if all criteria are fulfilled
(14) Akuntan Perseroan memuat antara lain:
138
The Company's Accountant includes, among other things:
a. Berapa periode audit akuntan publik telah mengaudit laporan keuangan perusahaan;
How many audit periods have public accountants audited the Company's financial statements;
b. Berapa periode audit kantor akuntan publik telah mengaudit laporan keuangan perusahaan; (3) Besarnya fee
audit; (4) Jasa lain yang diberikan akuntan selain jasa financial audit.
How many audit periods has the public accounting firm audited the Company's financial statements; (3) The
amount of the audit fee; (4) Other services provided by accountants apart from financial audit services.
(15) Penghargaan dan sertifikasi yang diterima perusahaan baik yang berskala nasional maupun internasional memuat
antara lain: 6-17
Awards and certifications received by companies, both national and international, include:
a. Masa berlaku
Valid date
b. Nama penghargaan/sertifikasi (berskala nasional dan intemasional);
Name of award/certification (national and international scale);
C. Tahun perolehan;
Awarding year
d. Badan pemberi penghargaan/sertifikasi;
Awardee/Certificators
(16) Nama dan alamat anak perusahaan dan atau kantor cabang atau kantor perwakilan Uika ada).
84-86
Name and address of subsidiaries and/or branch offices or representative offices (if any).
Laporan Tahunan memuat bagian tersendiri mengenai Analisa dan Pembahasan Manajamen atas Kinerja Perusahaan.
The Annual Report contains a separate section regarding Management Analysis and Discussion of Company Performance.
Faktor-faktor yang Diuji Kesesuaian Penerapannya:
Factors Tested for Compliance of Implementation:
(1) Tinjauan operasi per segmen usaha, memuat uraian mengenai: (1) produksi; (2) penjualan/ pendapatan usaha;
(3) profitabilitas; (4) Peningkatan/ penurunan kapasitas produksi untuk masing-masing segmen usaha (NA untuk
perusahaan yang tidak mempunyai segmen).
159-163
Review of operations per business segment, containing descriptions of: (1) production; (2) sales/business income; (3)
profitability; (4) Increase/decrease in production capacity for each business segment (NA for companies that do not
have segments).
(2) Uraian atas Kinerja Keuangan Perusahaan yakni analisis kinerja keuangan yang mencakup perbandingan antara kinerja
keuangan tahun yang bersangkutan dengan tahun sebelumnya {dalam bentuk narasi dan tabel) , antara lain mengenai:
(1) aktiva lancar, aktiva tidak lancar, dan jumlah aktiva; (2) kewajiban lancar, kewajiban tidak lancar, dan jumlah
kewajiban; (3) penjualan/pendapatan usaha; (4) beban usaha; (5) laba/rugi bersih.
164-175
Description of the Company's Financial Performance, namely an analysis of financial performance which includes a
comparison between the financial performance of the year in question and the previous year (in the form of narratives
and tables), including regarding: (1) current assets, non-current assets and total assets; (2) current liabilities, non-
current liabilities, and total liabilities; (3) sales/business income; (4) operating expenses; (5) net profit/loss.
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Checklist
Definition of Criteria
(3) Bahasan dan analisis tentang kemampuan membayar hutang dan tingkat kolektibilitas piutang Perusahaan antara lain
memuat penjelasan tentang: (1) kemampuan membayar hutang; (2) tingkat kolektibilitas piutang.
176-178
The discussion and analysis regarding solvency and the level of collectability of the Company's receivables includes,
among other things, explanations about: (1) solvency; (2) level of collectability of receivables.
(4) Bahasan tentang struktur modal (capital structure), kebijakan manajemen atas struktur modal (capital structure
policies), dan tingkat likuiditas perusahaan (liquidity) antara lain penjelasan atas: (1) struktur modal (capital structure);
(2) kebijakan manajemen atas struktur modal (capital structure policies); (3) tingkat likuiditas perusahaan (liquidity).
179-180
Discussions about capital structure, management policies on capital structure and the level of company liquidity include
explanations of: (1) capital structure; (2) management policies on capital structure (capital structure policies); (3) the
level of company liquidity (liquidity).
(5) Bahasan mengenai ikatan yang material untuk investasi barang modal memuat antara lain penjelasan tentang: (1)
tujuan dari ikatan tersebut; (2) sumber dana yang diharapkan untuk memenuhi ikatan-ikatan tersebut: (3) mata uang
yang menjadi denominasi; (4) langkah-langkah yang direncanakan perusahaan untuk melindungi risiko dari posisi mata
uang asing yang terkait. 180
The discussion regarding material bonds for investment in capital goods includes, among other things, an explanation
of: (1) the purpose of the bond; (2) the source of funds expected to fulfil the obligations: (3) the currency in which they
are denominated; (4) the Company's planned steps to hedge the risks of the related foreign currency positions.
(6) Bahasan dan analisis tentang informasi keuangan yang telah dilaporkan yang mengandung kejadian yang sifatnya luar
biasa dan jarang terjadi. 188
Discussion and analysis of reported financial information that contains extraordinary and rare events.
(7) Uraian tentang komponen-komponen substansial dari pendapatan dan beban lainnya, untuk dapat mengetahui hasil
usaha perusahaan.
164-175
A description of the substantial components of income and other expenses, to be able to determine the Company's
business results.
(8) Jika laporan keuangan mengungkapkan peningkatan atau penurunan yang material dari penjualan atau pendapatan
bersih, maka wajib disertai dengan bahasan tentang sejauh mana perubahan tersebut dapat dikaitkan antara lain
dengan, jumlah barang atau jasa yang dijual, dan atau adanya produk atau jasa baru.
164-175
If the financial report reveals a material increase or decrease in sales or net income, it must be accompanied by a
discussion of the extent to which the change can be related, among other things, to the number of goods or services
sold, and/or the existence of new products or services.
(9) Bahasan tentang dampak perubahan harga terhadap penjualan atau pendapatan bersih perusahaan serta laba operasi
perusahaan selama 2 {dua) tahun atau sejak perusahaan memulai usahanya, jika baru memulai usahanya kurang dari
2 (dua) tahun.
189
Discussion of the impact of price changes on the Company's sales or net income as well as the Company's operating
profit for 2 (two) years or since the Company started its business, if it has only started its business for less than 2
(two) years.
(10) lnformasi dan fakta material yang terjadi setelah tanggal laporan akuntan, termasuk dampaknya terhadap kinerja dan
risiko usaha di masa mendatang.
181
Material information and facts that occur after the date of the accountant's report, including their impact on future
business performance and risks.
(11) Uraian tentang prospek usaha perusahaan sehubungan dengan industri, ekonomi secara umum dan pasar intemasional
serta dapat disertai data pendukung kuantitatif jika ada sumber data yang layak dipercaya.
182-183
A description of the company's business prospects in relation to industry, the general economy and international
markets and can be accompanied by quantitative supporting data if there is a reliable data source.
(12) Uraian tentang aspek pemasaran atas produk dan jasa perusahaan, antara lain meliputi pangsa pasar.
185
Description of the marketing aspects of the company's products and services, including market share.
(13) Pemyataan mengenai kebijakan dividen dan tanggal serta jumlah dividen kas per Saham dan jumlah dividen per tahun
yang diumumkan atau dibayar selama 2 (dua) tahun buku terakhir, memuat uraian mengenai: (1) besarnya deviden
untuk masing-masing tahun; (2) besarnya Payout Ratio.
186
Statement regarding dividend policy and the date and amount of cash dividends per share and the amount of annual
dividends declared or paid during the last 2 (two) fiscal years, containing a description of: (1) the amount of dividends
for each year; (2) the amount of the Payout Ratio.
(14) Realisasi penggunaan dana hasil penawaran umum, memuat uraian mengenai:
(1) total perolehan dana; (2) rencana penggunaan dana; (3) rincian penggunaan dana; (4) saldo; (5) perubahan
penggunaan dana Qika ada)--(NA untuk non listed company).
187-188
The realization of the use of funds from the public offering includes a description of:
(1) total fund acquisition; (2) plan for use of funds; (3) details of use of funds; (4) balance; (5) changes in the use of
funds (if any) (NA for non-listed companies).
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Definition of Criteria
(15) lnformasi material, antara lain mengenai investasi, ekspansi, divestasi, akuisisi, restrukturisasi hutang/modal,
transaksi yang mengandung benturan kepentingan dan sifat transaksi dengan pihak afiliasi.
189-195
Material information, including regarding investment, expansion, divestment, acquisition, debt/capital restructuring,
transactions containing conflicts of interest and the nature of transactions with affiliated parties.
(16) Uraian mengenai perubahan peraturan perundang-undangan yang berpengaruh signifikan terhadap perusahaan dan
dampaknya terhadap laporan keuangan.
196
Description of changes in laws and regulations that have a significant impact on the company and their impact on
financial statements.
(17) Uraian mengenai perubahan kebijakan akuntansi, alasan dan dampaknya terhadap laporan keuangan.
196-197
Description of changes in accounting policies, reasons and impact on financial statements.
Laporan Tahunan memuat pengungkapan praktik Tata Kelola Perusahaan yang Baik.
The Annual Report contains disclosures of Good Corporate Governance practices.
Faktor-faktor yang Diuji Kesesuaian Penerapannya:
Factors Tested for Compliance of Implementation:
(1) Uraian Dewan Komisaris/Dewan Pengawas memuat antara lain: (1). Uraian pelaksanaan tugas Dewan Komisaris/
Dewan Pengawas; (2) Pengungkapan prosedur penetapan dan besarnya remunerasi anggota Dewan Komisaris/Dewan
Pengawas; (3) Frekuensi pertemuan; (4)Tingkat kehadiran Dewan Komisaris/Dewan Pengawas dalam pertemuan. 232-246 (Dekom)
The description of the Board of Commissioners/Supervisory Board includes: (1). Description of the implementation of
the duties of the Board of Commissioners/Supervisory Board; (2) Disclosure of procedures for determining and amount 276-280 (DPS)
of remuneration for members of the Board of Commissioners/Supervisory Board; (3) Frequency of meetings; (4) The
level of attendance of the Board of Commissioners/Supervisory Board at meetings.
(2) Uraian Direksi memuat antara lain: (1) Ruang lingkup pekerjaan dan tanggung jawab masing-masing anggota Direksi;
(2) Pengungkapan prosedur penetapan dan besarnya remunerasi anggota direksi, yang meliputi gaji, fasilitas, dan/
atau tunjangan lain yang diterima dari perusahaan yang bersangkutan dan anak perusahaan/perusahaan patungan
perusahaan yang bersangkutan; (3) Frekuensi pertemuan; (4) tingkat kehadiran anggota direksi dalam pertemuan;
(5) Program pelatihan dalam rangka meningkatkan kompetensi direksi.
The description of the Board of Directors includes, among other things: (1) The scope of work and responsibilities of 247-263
each member of the Board of Directors; (2) Disclosure of procedures for determining and the amount of remuneration
for members of the board of directors, which includes salaries, facilities and/or other benefits received from the
company concerned and the subsidiary/joint company of the company concerned; (3) Frequency of meetings; (4) the
level of attendance of members of the board of directors at meetings; (5) Training program in order to improve the
competency of directors.
(3) Komite Audit mencakup antara lain: (1) Nama, jabatan, dan riwayat hidup singkat anggota komite audit; (2) Uraian tugas
dan tanggung jawab; (3) Frekuensi pertemuan dan tingkat kehadiran komite audit; (4) Laporan singkat pelaksanaan
kegiatan komite audit; (5) lndependensi anggota komite audit
The Audit Committee includes, among other things: (1) Names, positions and brief biographies of audit committee 281-293
members; (2) Description of duties and responsibilities; (3) Frequency of audit committee meetings and attendance
level; (4) Brief report on the implementation of audit committee activities; (5) Independence of audit committee
members
(4) Komite nominasi dan remunerasi mencakup antara lain: (1) Nama, jabatan, dan riwayat hidup singkat anggota komite
nominasi dan remunerasi; (2) lndependensi anggota komite nominasi dan remunerasi; (3) Uraian tugas dan tanggung
jawab; (4) Uraian pelaksanaan kegiatan komite nominasi dan remunerasi; (5) Frekuensi pertemuan dan tingkat
kehadiran komite nominasi dan remunerasi.
The nomination and remuneration committee includes, among other things: (1) Names, positions and brief biographies 294-306
of members of the nomination and remuneration committee; (2) Independence of nomination and remuneration
committee members; (3) Description of duties and responsibilities; (4) Description of the activities of the nomination
and remuneration committee; (5) Frequency of meetings and level of attendance of the nomination and remuneration
committee.
(5) Komite manajemen risiko mencakup antara lain: (1) Nama, jabatan, dan riwayat hidup singkat anggota komite
pemantauan risiko; (2) lndependensi anggota komite pemantauan risiko; (3) Uraian tugas dan tanggung jawab; (4)
Uraian pelaksanaan kegiatan komite pemantauan risiko; (5) Frekuensi pertemuan dan tingkat kehadiran komite
pemantauan risiko.
307-314
The risk management committee includes, among other things: (1) Names, positions and brief biographies of members
of the risk monitoring committee; (2) Independence of risk monitoring committee members; (3) Description of duties
and responsibilities; (4) Description of the implementation of the risk monitoring committee activities; (5) Frequency of
meetings and level of attendance of the risk monitoring committee.
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Checklist
Definition of Criteria
(6) Uraian tugas dan Fungsi Sekretaris Perusahaan mencakup antara lain:
(1) Nama dan riwayat jabatan singkat sekretaris perusahaan; (2) Uraian pelaksanaan tugas sekretaris perusahaan.
The description of the duties and functions of the Corporate Secretary includes: 343-355
(1) Name and brief position history of the company secretary; (2) Description of the implementation of the duties of the
company secretary.
(7) Uraian mengenai pelaksanaan pengawasan dan pengendalian intern (internal audit and control)
365-368
Description of the implementation of internal supervision and control (internal audit and control)
(8) Uraian tentang Unit Audit internal mencakup antara lain: (1) lnformasi tentang keberadaan Unit Audit Internal; (2)
Penjelasan tentang Piagam Audit Internal; (3) Penjelasan mengenai tugas dan tanggung jawab Unit Audit Internal; (4)
Uraian pelaksanaan kegiatan Unit Audit Internal; (5) Nama dan riwayat hidup singkat kepala Unit Audit Internal.
The description of the Internal Audit Unit includes: (1) Information about the existence of the Internal Audit Unit; (2) 354-362
Explanation of the Internal Audit Charter; (3) Explanation of the duties and responsibilities of the Internal Audit Unit; (4)
Description of the implementation of Internal Audit Unit activities; (5) Name and brief curriculum vitae of the head of the
Internal Audit Unit.
(9) Uraian mengenai manajemen risiko perusahaan mencakup antara lain: (1) Penjelasan mengenai risiko-risiko yang
dihadapi perusahaan (misalnya risiko yang disebabkan oleh fluktuasi kurs atau suku bunga, persaingan usaha, pasokan
bahan baku, ketentuan negara lain atau peraturan internasional, dan kebijakan pemerintah); (2) Upaya untuk mengelola
risiko tersebut. 369-386
A description of the company's risk management includes: (1) An explanation of the risks faced by the company (for
example, risks caused by exchange rate or interest rate fluctuations, business competition, supply of raw materials,
provisions of other countries or international regulations, and government policies) ; (2) Efforts to manage these risks.
(10) Uraian mengenai aktivitas dan biaya yang dikeluarkan berkaitan dengan tanggung jawab sosial perusahaan terutama
mengenai komitmen perusahaan terhadap perlindungan konsumen mencakup antara lain informasi tentang: (1)
Pembentukan Pusat Pengaduan Konsumen; (2) Program peningkatan layanan kepada konsumen; (3) Biaya yang telah
dikeluarkan. 440-444
A description of the activities and costs incurred in relation to corporate social responsibility, especially regarding the
company's commitment to consumer protection, includes, among other things, information about: (1) Establishment of
a Consumer Complaints Center; (2) Service improvement program for consumers; (3) Costs that have been incurred.
(11) Uraian mengenai aktivitas dan biaya yang dikeluarkan berkaitan dengan tanggung jawab sosial perusahaan terutama
mengenai "community development program" yang telah dilakukan, rnencakup antara lain informasi tentang: (1) Mitra
Usaha binaan Perusahaan; (2) Program pengembangan pendidikan; (3) Program perbaikan kesehatan; (4) Program
pengembangan seni budaya; (5) Biaya yang telah dikeluarkan.
442-444
Description of activities and costs incurred in relation to corporate social responsibility, especially regarding the
"community development program" that has been carried out, includes, among other things, information about: (1)
Business Partners fostered by the Company; (2) Educational development program; (3) Health improvement program;
(4) Arts and culture development program; (5) Costs that have been incurred.
(12) Uraian mengenai aktivitas dan biaya yang dikeluarkan berkaitan dengan tanggung jawab sosial perusahaan terutama
aktivitas lingkungan, mencakup antara lain informasi tentang (1) Aktivitas pelestarian lingkungan (2) Aktivitas
pengelolaan lingkungan; (3) sertifikasi alas pengelolaan lingkungan; (4) Biaya yang telah dikeluarkan.
442-444
Description of activities and costs incurred in relation to corporate social responsibility, especially environmental
activities, includes, among other things, information about (1) Environmental preservation activities (2) Environmental
management activities; (3) environmental management certification; (4) Costs that have been incurred.
(13) Perkara penting yang sedang dihadapi oleh perusahaan, Direksi dan anggota Dewan Komisaris/Dewan Pengawas yang
sedang menjabat dan klaim material yang diajukan oleh dan/atau terhadap perusahaan, dan perkara yang ada di badan
peradilan atau badan arbitrase yang melibatkan perusahaan, mencakup antara lain: (1) pokok perkara/gugatan; (2)
kasus posisi; (2) status penyelesaian perkara/gugatan; (4) pengaruhnya terhadap kondisi keuangan perusahaan.
397-398
Important cases currently being faced by the company, the Board of Directors and current members of the Board of
Commissioners/Supervisory Board and material claims submitted by and/or against the company, and cases before
the judiciary or arbitration Board of Directorsies involving the company, include: (1) main case/lawsuit; (2) positional
cases; (2) case/lawsuit settlement status; (4) its effect on the company's financial condition.
(14) Akses informasi dan data perusahaan, yaitu uraian mengenai tersedianya akses inforrnasi dan data perusahaan
kepada publik, misalnya melalui website, media massa, mailing list, bulletin dsb.
399-400
Access to company information and data, namely a description of the availability of access to company information and
data to the public, for example through websites, mass media, mailing lists, bulletins, etc.
(15) Etika Perusahaan memuat uraian antara lain: (1) Keberadaan Pedoman Perilaku; (2) lsi Pedoman Perilaku; (3)
penyebaran Pedoman Perilaku kepada karyawan dan upaya penegakannya; (4) pernyataan mengenai budaya perusahaan
(corporate culture) yang dimiliki perusahaan.
401-404
Company Ethics includes a description of, among other things: (1) Existence of a Code of Conduct; (2) contents of the
Code of Conduct; (3) dissemination of the Code of Conduct to employees and efforts to enforce it; (4) a statement
regarding the Company's corporate culture.
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Checklist
Definition of Criteria
Laporan Tahunan memuat bagian tersendiri mengenai Laporan Keuangan.
The Annual Report contains a separate section regarding Financial Statement.
Faktor-faktor yang Diuji Kesesuaian Penerapannya:
Factors Tested for Compliance of Implementation:
(1) Surat Pernyataan Direksi tentang Tanggung Jawab Direksi atas Laporan Keuangan sesuai dengan peraturan Bapepam.
Board of Directors' Statement Letter regarding Board of Directors' Responsibility for Financial Statement in accordance
with Bapepam regulations.
(2) Opini akuntan alas laporan keuangan adalah wajar tanpa pengecualian (WTP).
The accountant's opinion on the basis of the financial statements is unqualified (WTP).
(3) Deskripsi Auditor lndependen di Opini antara lain: (1) Nama & tanda tangan; (2) Tanggal Laporan Audit; (3) No. ijin KAP
Oika ada).
Description of the Independent Auditor in the Opinion includes: (1) Name & signature; (2) Audit Report Date; (3) KAP’s
Number permit (if available).
(4) Laporan keuangan yang lengkap, yaitu: neraca, laporan laba rugi, laporan perubahan ekuitas, laporan arus kas, dan
catatan alas laporan keuangan serta disajikan untuk jangka waktu 2 (dua) tahun terakhir atau sejak usaha dimulai bagi
perusahaan yang memulai usahanya kurang dari 2 (dua) tahun buku.
Complete financial statements, namely: balance sheet, profit, and loss report, change in equity report, cash flow
report, and notes to the financial statements and presented for the last 2 (two) years or since the business started for
companies that started their business less than 2 (two) fiscal year.
(5) Penyajian laporan keuangan sesuai ketentuan Pedoman Penyajian Laporan Keuangan yang diterbitkan Bapepam & LK
dan/atau institusi yang berwenang.
Presentation of financial reports in accordance with the provisions of the Guidelines for Presenting Financial Reports
issued by Bapepam & Financial Institutions and/or authorized institutions.
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Checklist AR 2023 dengan Surat Edaran
Otoritas Jasa Keuangan Nomor 16/SEOJK.04/2021
Tentang Bentuk Dan Isi Laporan Tahunan Emiten
Atau Perusahaan Publik
Checklist of AR 2023 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:
20-25
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
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
Total assets
9 jumlah liabilitas
Total liabilities
10 jumlah ekuitas
Total equity
11 rasio laba (rugi) terhadap jumlah asset
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
15 rasio liabilitas terhadap ekuitas
Rasio of liabilities on equity
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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:
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 selama 2 (dua)
tahun buku terakhir, paling sedikit memuat:
26-27
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 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: 28
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 pencatatan saham
(delisting) dalam tahun buku, dijelaskan alasan penghentian sementara perdagangan saham (suspension) dan/atau
pembatalan pencatatan saham (delisting) tersebut 28
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.
4 dalam hal penghentian sementara perdagangan saham (suspension) sebagaimana dimaksud pada angka 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 28
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.
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C Laporan Direksi
Laporan Direksi paling sedikit memuat uraian singkat mengenai:
Board of Directors report 47-57
The Board of Directors report must at least contains a brief descriptions of:
1 kinerja Emiten atau Perusahaan Publik, paling sedikit memuat:
47-52
the performance of the Issuer or Public Company, at least includes:
a. strategi dan kebijakan strategis Emiten atau Perusahaan Publik
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
comparison between the results achieved and those targeted by the Issuer or Public Company
e. kendala yang dihadapi Emiten atau Perusahaan Publik
obstacles faced by Issuers or Public Companies
2 gambaran tentang prospek usaha Emiten atau Perusahaan Publik
52-53
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: 38-46
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 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, 40
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
42
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
43
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:
Profile of Issuers or Public Company
1 nama Emiten atau Perusahaan Publik termasuk apabila terdapat perubahan nama, alasan perubahan, dan tanggal
efektif perubahan nama pada tahun buku
62-65
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
2 akses terhadap Emiten atau Perusahaan Publik termasuk kantor cabang atau kantor perwakilan yang memungkinkan
masyarakat dapat memperoleh informasi mengenai Emiten atau Perusahaan Publik, meliputi:
62
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
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4 visi dan misi Emiten atau Perusahaan Publik serta budaya perusahaan (corporate culture) atau nilai-nilai Perusahaan
70
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 jenis barang
dan/atau jasa yang dihasilkan
74-83
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 pelaksanaan
kegiatan operasional atau jangkauan dari kegiatan operasional Perusahaan
84-86
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 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
88-89
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 dengan
penerapan keuangan berkelanjutan
87
membership list of industry associations both on a national and international scale related to the implementation of
sustainable finance
9 profil Direksi, paling sedikit memuat:
104-117
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 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 informasi
mengenai:
129-132
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
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.
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 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 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.
129-130
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:
131
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 langsung maupun
tidak langsung, sampai kepada pemilik individu, yang disajikan dalam bentuk skema atau bagan
131-132
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 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.
134-136
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 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)
137
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 tempo pada
tahun buku paling sedikit memuat:
138
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/aliansinya
meliputi:
138
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
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21 nama dan alamat lembaga dan/atau profesi penunjang pasar modal selain AP dan KAP.
Names and address of the capital market institutions and/or professions, in addition to public accountant or public 139
accounting firm
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:
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 sedikit
mengenai:
159-163
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 terakhir,
penjelasan tentang penyebab adanya perubahan dan dampak perubahan tersebut, paling sedikit mengenai:
164-175
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
176-177
ability to pay debts or obligations by presenting relevant ratio calculations
4 tingkat kolektibilitas piutang Emiten atau Perusahaan Publik dengan menyajikan perhitungan rasio yang relevan
178
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 disertai
dasar penentuan kebijakan dimaksud
179-180
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 memuat:
180
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 memuat:
181
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)
181
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 umum dan pasar
internasional disertai data pendukung kuantitatif dari sumber data yang layak dipercaya
182-183
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:
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, mengenai:
184
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 strategi
pemasaran dan pangsa pasar
185
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:
186
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:
187-188
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 usaha,
akuisisi, restrukturisasi utang/modal, transaksi material, transaksi afiliasi, dan transaksi benturan kepentingan, yang
terjadi pada tahun buku, paling sedikit memuat:
189-195
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 Perusahaan
Publik dan dampaknya terhadap laporan keuangan (jika ada)
196
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).
196-197
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:
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:
211-231
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 213-223
contain:
keputusan RUPS pada tahun buku dan 1 (satu) tahun sebelum tahun buku yang direalisasikan pada tahun buku
224-231
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
224-231
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
213
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:
247-263
Board of Directors, which must at least contain:
a. tugas dan tanggung jawab masing-masing anggota Direksi
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 249-257
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
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 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
257-259
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:
260-262
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 paling
sedikit memuat:
263
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 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:
232-246
The Board of Commissioners, which must contain at least:
a. tugas dan tanggung jawab Dewan Komisaris
234-236
duties and responsibilities of each member of the Board of Commissioners
b. pernyataan bahwa Dewan Komisaris memiliki pedoman atau piagam (charter) Dewan Komisaris
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 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
237-239
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:
239-243
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 Dewan Komisaris,
paling sedikit memuat:
264-269
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 Komisaris pada
tahun buku meliputi:
244-246
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:
270-275
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
271
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 273
must include:
prosedur penetapan remunerasi Direksi dan Dewan Komisaris
271, 273
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, 272, 273
and others
besarnya remunerasi masing-masing anggota Direksi dan anggota Dewan Komisaris Pengungkapan informasi dapat
disajikan dalam bentuk tabel.
N/A
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 berdasarkan prinsip
syariah sebagaimana tertuang dalam anggaran dasar, paling sedikit memuat:
276-280
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:
281-293
audit committee, which must contain at least
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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:
283- 285
position history, which includes 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 audit
282
period and tenure of the position of the audit committee
g. pernyataan independensi komite audit
287-288
statement of independence of the audit committee
h. pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam tahun buku (jika ada)
290-291
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
291-292
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
292-293
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:
294-306
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:
296-299
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
296
period and tenure of the position of the committee
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g. pernyataan independensi komite
299-300
statement of independence of the committee
h. pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam tahun buku (jika ada)
302-304
training and/or competency development that has been participated in the fiscal year (if any)
i. uraian tugas dan tanggung jawab
301-302
description of duties and responsibilities
j. pernyataan bahwa telah memiliki pedoman atau piagam (charter)
294
statement that it has guidelines or charters
k. kebijakan dan pelaksanaan frekuensi rapat dan tingkat kehadiran anggota dalam rapat tersebut
304-305
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
305-306
brief explanation of the implementation of activities in the fiscal year
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 (jika ada)
dan/atau komite yang mendukung fungsi dan tugas Dewan Komisaris, paling sedikit memuat: 307-314
other committees owned by the issuers or public companies in supporting the functions and duites of the Board of (Komite Pemantau
Directors (if any) and/or committees owned by the issuers or public companies in supporting the functions and duites Risiko)
of the Board of Commissioners, which must at least include:
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:
308-310
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
308
period and tenure of the position of the committee
g. pernyataan independensi komite
310-311
statement of independence of the committee
h. pelatihan dan/atau peningkatan kompetensi yang telah diikuti dalam tahun buku (jika ada)
312-313
training and/or competency development that has been participated in the fiscal year (if any)
i. uraian tugas dan tanggung jawab
311
description of duties and responsibilities
j. pernyataan bahwa telah memiliki pedoman atau piagam (charter) komite
307
statement that it has committee guidelines or charters
k. kebijakan dan pelaksanaan frekuensi rapat komite dan tingkat kehadiran anggota komite dalam rapat tersebut
313
policies and implementation of the meeting frequency and the member’s level of attendance in that meeting
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l. uraian singkat pelaksanaan kegiatan komite pada tahun buku
313-314
brief explanation of the implementation of activities in the fiscal year
9 sekretaris perusahaan, paling sedikit memuat:
343-355
corporate secretary, which must at least include:
a. nama
name
b. domisili
domicile
c. riwayat jabatan, meliputi:
positional history, which must at least include:
344-345
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
347
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
348-355
brief explanation of the duties of corporate secretary in the fiscal year
10 unit audit internal, paling sedikit memuat:
356-364
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
357-358
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)
359-360
qualification and certification as an internat audit (if any)
d. pelatihan dan/atau peningkatan kompetensi yang diikuti dalam tahun buku
360
training and/or competency development that has been participated in the fiscal year
e. struktur dan kedudukan unit audit internal
356-357
structure and position of internal audit unit
f. uraian tugas dan tanggung jawab
358
description of duties and responsibilities
g. pernyataan bahwa telah memiliki pedoman atau piagam (charter) unit audit internal
359
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
361
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 Perusahaan Publik,
paling sedikit memuat: 365-368
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
368
financial and operational control, as well as its compliance to the regulation
b. tinjauan atas efektivitas sistem pengendalian internal
368
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 368
system
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12 sistem manajemen risiko yang diterapkan oleh Emiten atau Perusahaan Publik, paling sedikit memuat:
369-386
risk management system implemented by issuers or publiccompanies, which must at least include:
a. gambaran umum mengenai sistem manajemen risiko Emiten atau Perusahaan Publik
369-378
general description on the risk management system of the issuers or public companies
b. jenis risiko dan cara pengelolaannya
380-383
typs of risks and its management
c. tinjauan atas efektivitas sistem manajemen risiko Emiten atau Perusahaan Publik
379
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 386
risk management system
13 perkara hukum yang berdampak material yang dihadapi oleh Emiten atau Perusahaan Publik, entitas anak, anggota
Direksi dan anggota Dewan Komisaris (jika ada), paling sedikit memuat:
397-398
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, 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 399
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:
401-404
information on the Code of Conduct of the issuers or public companies, which include:
a. pokok-pokok kode etik
402
the basic of Code of Conduct
b. bentuk sosialisasi kode etik dan upaya penegakannya
403
Its dissemination and enforcement
c.
pernyataan bahwa kode etik berlaku bagi anggota Direksi, anggota Dewan Komisaris, dan karyawan Emiten atau
Perusahaan Publik
403
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 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: 405-406
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:
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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
17 uraian singkat mengenai kebijakan pengungkapan informasi mengenai:
407
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
408
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
408
implementation of the policies
18 uraian mengenai sistem pelaporan pelanggaran (whistleblowing system) di Emiten atau Perusahaan Publik, paling
sedikit memuat: 409-412
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:
413
description on the anti-corruption policies in the issuers or public companies, which must at least include:
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.
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20 penerapan atas pedoman tata kelola Perusahaan Terbuka bagi Emiten yang menerbitkan efek bersifat ekuitas atau
Perusahaan Publik, meliputi:
426-432
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.
H Tanggung Jawab Sosial dan Lingkungan Emiten atau Perusahaan Publik
Social and environmental responsibilities of the issuers or public companies
1 Tanggung Jawab Sosial dan Lingkungan Emiten atau Perusahaan Publik yang merupakan Laporan 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.
436-444
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
477
Audited Annual Financial Report
J Surat Pernyataan Anggota Direksi dan Anggota Dewan Komisaris tentang Tanggung Jawab atas Laporan Tahunan
Statement Letter of the Board of Directors and the Board of Commissioners Members regarding Responsibility for the 58-59
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 2023 dan 2022 December 31, 2023 and 2022
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 2023 dan 2022 December 31, 2023 and 2022
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2023 2022
Notes Rp Rp
ASET ASSETS
Kas dan bank 4,39 537,857,224 608,986,099 Cash on hand and in banks
Investasi Investments
Deposito berjangka 5a,39 3,080,099,520 1,836,714,472 Time deposits
Efek-efek 5b,39 6,071,399,365 4,996,347,104 Marketable securities
Penyertaan langsung 5c 36,254,223 35,168,056 Direct participation
Investasi pada entitas asosiasi 5d 166,639,022 162,313,843 Investment in associates
Properti investasi 5f 2,317,627,368 2,292,877,995 Investment properties
Piutang premi dan Premium and cession
sesi, neto 6,39 1,859,030,780 2,075,334,496 receivables, net
Piutang koasuransi, neto 7,39 422,878,924 128,981,110 Coinsurance receivables, net
Piutang reasuransi dan Reinsurance and retrocession
retrosesi, neto 8,39 655,594,034 387,892,121 receivables, net
Piutang lain-lain 13 266,796,478 214,226,869 Other receivables
Aset tetap, neto 10 1,614,302,861 1,443,394,444 Fixed assets, net
Aset tak berwujud, neto 12 113,420,431 35,568,701 Intangible assets, net
Aset hak guna, neto 11a 10,357,593 8,540,167 Right use of assets, net
Aset reasuransi 16 7,262,059,610 6,660,510,096 Reinsurance assets
Biaya dibayar di muka dan uang muka 32,437,029 36,654,655 Prepaid expenses and advances
Tagihan kelebihan pembayaran pajak 19a -- 661,001 Claims for tax refund
Pajak dibayar di muka 19b 35,238,365 46,731,686 Prepaid taxes
Aset pajak tangguhan 19f 281,650,749 244,381,919 Deferred tax assets
Aset lain-lain 9 374,299,039 366,020,634 Other assets
JUMLAH ASET 25,137,942,615 21,581,305,468 TOTAL ASSETS
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Utang reasuransi dan Reinsurance and
retrosesi 17,39 1,891,733,387 1,461,086,212 retrocession payables
Utang komisi 18,39 43,569,121 32,859,510 Commissions payables
Utang klaim 14,39 313,786,300 129,055,750 Claims payables
Utang koasuransi 15,39 73,562,226 46,887,949 Coinsurance payables
Pinjaman diterima 23,39 296,149,553 121,346,712 Borrowings
Utang pembiayaan konsumen Consumer finance
dan sewa pembiayaan 24,39 45,513,893 68,616,376 and leases payables
Liabilitas sewa 11b 6,194,693 2,917,784 Lease liabilities
Beban akrual 20 290,477,838 137,516,459 Accrued expenses
Tagihan kekurangan pembayaran pajak 19c 3,256,171 -- Tax underpayment bill
Utang pajak 19d 180,342,673 64,785,768 Taxes payables
Utang lain-lain 21 270,437,331 263,685,403 Other payables
Liabilitas asuransi 16,39 11,147,535,021 9,797,252,044 Insurance liabilities
Liabilitas imbalan kerja 22 295,526,175 283,197,201 Employee benefits liabilities
JUMLAH LIABILITAS 14,858,084,382 12,409,207,168 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
1
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2023 2022
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 2023 as of December 31, 2023
nilai nominal Share capital
Rp100 (nilai penuh) per saham Rp100 (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 -
1.777.787.800 saham dengan jumlah 1,777,787,800 shares
nilai nominal seluruhnya sebesar with a total nominal value
Rp177.778.780.000 (nilai penuh) Rp177,778,780,000 (full amount)
tahun 2022 25 177,778,780 177,778,780 year 2022
Tambahan modal disetor 27 625,460,209 625,460,209 Additional paid in capital
Selisih kurs penjabaran
laporan keuangan (37,679,259) (32,181,241) 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 8,409,087 (26,735,318) marketable securities, net
Surplus revaluasi aset tetap 10 2,027,351,117 2,013,558,080 Fixed assets revaluation surplus
Saldo laba Retained earnings
Ditentukan penggunaannya 413,313,271 413,313,271 Appropriated
Belum ditentukan penggunaannya 6,262,074,018 5,162,579,761 Unappropriated
Sub-jumlah ekuitas yang
dapat diatribusikan kepada Equity attributable to equity
pemilik entitas induk 9,582,263,106 8,439,329,425 owners holders of the parent
Kepentingan non-pengendali 29 697,595,127 732,768,875 Non-controlling interest
JUMLAH EKUITAS 10,279,858,233 9,172,098,300 TOTAL EQUITY
JUMLAH LIABILITAS TOTAL LIABILITIES AND
DAN EKUITAS 25,137,942,615 21,581,305,468 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
2
Page 490
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2023 2022
Notes Rp Rp
PENDAPATAN ASURANSI DAN INSURANCE AND REINSURANCE
REASURANSI REVENUES
Pendapatan underwriting Underwriting revenues
Pendapatan premi Premium income
Premi bruto 30 7,709,524,068 6,705,580,219 Gross premium
Reinsurance and
Premi reasuransi dan retrosesi 30 (4,368,028,394) (3,518,922,914) retrocession premium
Perubahan premi yang Changes in unearned
belum merupakan pendapatan premium reserves and
dan liabilitas manfaat liabilities for future
polis masa depan 30 (711,844,970) (74,292,747) 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 30 450,280,969 (267,439,418) policy benefits
Pendapatan premi, neto 3,079,931,673 2,844,925,140 Premium income, net
Beban komisi, neto 31 (470,367,564) (502,133,301) Commission expense, net
Jumlah pendapatan underwriting 2,609,564,109 2,342,791,839 Total underwriting revenues
Pendapatan investasi 33 579,830,038 352,391,330 Investment income
Pendapatan usaha lainnya 34 402,090,598 398,710,042 Other operating revenues
JUMLAH PENDAPATAN 3,591,484,745 3,093,893,211 TOTAL REVENUES
BEBAN EXPENSES
Beban klaim Claim expenses
Klaim bruto 32 (2,785,386,889) (2,284,625,795) Gross claims
Klaim reasuransi Reinsurance
dan retrosesi 32 1,361,523,348 972,264,314 and retrocession claims
Changes in estimated
Perubahan estimasi liabilitas klaim 32 (638,438,007) (1,162,635,982) claims liabilities
Perubahan aset reasuransi atas Changes in reinsurance assets
estimasi liabilitas klaim 32 151,268,545 802,649,320 for estimated liabilities claims
Jumlah beban klaim neto (1,911,033,003) (1,672,348,143) Total net claim expenses
Beban usaha 35 (812,220,956) (771,135,847) Operating expenses
Beban usaha lainnya 36 (298,263,982) (258,769,400) Other operating expenses
Pendapatan (beban) lain-lain, neto 37 1,054,600,500 108,509,604 Other income (expenses), net
JUMLAH BEBAN (1,966,917,441) (2,593,743,786) 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 1,624,567,304 500,149,425 income tax expenses
Bagian laba bersih entitas asosiasi 5d 7,763,237 17,047,789 Share in associates net income
Laba sebelum beban pajak final Income before final tax and
dan pajak penghasilan 1,632,330,541 517,197,214 income tax expenses
Beban pajak final 19e (52,159,894) (30,496,363) Final tax expense
Laba sebelum beban pajak Income before income tax
penghasilan 1,580,170,647 486,700,851 expenses
Beban pajak penghasilan 19e (278,069,378) (91,595,511) Income tax expense
LABA TAHUN BERJALAN 1,302,101,269 395,105,340 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 491
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2023 2022
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 8,044,434 27,611,470 benefits liability
Surplus revaluasi aset tetap 10 13,793,037 124,229,175 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 (1,231,666) (6,900,436) 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 39,420,023 (65,685,228) marketable securities
Selisih kurs penjabaran laporan
keuangan (5,498,190) 28,090,757 Translation adjustments
Pajak penghasilan terkait pos Income tax related to items
yang akan direklasifikasi that will be reclassified
ke laba rugi (4,506,593) 24,007,996 to profit or loss
Jumlah penghasilan komprehensif Total other comprehensive
lain setelah pajak 50,021,045 131,353,734 income after tax
JUMLAH PENGHASILAN TOTAL COMPREHENSIVE
KOMPREHENSIF TAHUN INCOME
BERJALAN 1,352,122,314 526,459,074 FOR THE YEAR
Laba tahun berjalan yang
dapat diatribusikan kepada: Income for the year attributable to:
Pemilik entitas induk 1,322,393,811 347,150,768 Equity owners of the parent entity
Kepentingan non-pengendali (20,292,542) 47,954,572 Non-controlling interest
Jumlah 1,302,101,269 395,105,340 Total
Jumlah penghasilan komprehensif
tahun berjalan yang dapat Total comprehensive income
diatribusikan kepada: for the year attributable to:
Pemilik entitas induk 1,372,504,501 482,800,353 Equity owners of the parent entity
Kepentingan non-pengendali (20,382,187) 43,658,721 Non-controlling interest
Jumlah 1,352,122,314 526,459,074 Total
LABA PER SAHAM YANG EARNINGS PER SHARE
DAPAT DIATRIBUSIKAN ATTRIBUTABLE TO EQUITY
KEPADA PEMILIK ENTITAS INDUK OWNERS OF THE PARENT ENTITY
(nilai penuh) 372 195 (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
Page 492
PT ASURANSI TUGU PRATAMA INDONESIA TBK PT ASURANSI TUGU PRATAMA INDONESIA TBK
DAN ENTITAS ANAK AND ITS SUBSIDIARIES
LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN CONSOLIDATED STATEMENTS CHANGES IN OF EQUITY
Untuk Tahun-Tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(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 31 Desember 2021 177,777,780 625,432,789 105,555,883 (60,271,161) 10,066,729 1,888,997,593 413,313,271 4,934,450,781 8,095,323,665 694,407,751 8,789,731,416 Balance as of December 31 2021
Dividen kas 26 -- -- -- -- -- -- -- (126,592,141) (126,592,141) (5,297,597) (131,889,738) Cash dividends
Laba tahun berjalan -- -- -- -- -- -- -- 347,150,768 347,150,768 47,954,572 395,105,340 Income for the year
Management Employee Stock Option Plan 27,28 1,000 27,420 -- -- -- -- -- -- 28,420 -- 28,420 Management Employee Stock Option Plan
Pengukuran kembali liabilitas imbalan Remeasurement of employee
kerja setelah pajak -- -- -- -- -- -- -- 19,801,225 19,801,225 909,809 20,711,034 benefits liabilities after tax
Selisih kurs penjabaran laporan keuangan -- -- -- 28,089,920 -- -- -- -- 28,089,920 837 28,090,757 Translation adjustments
Keuntungan yang belum Unrealized gain on available-
direalisasi atas efek-efek tersedia for-sale marketable
untuk dijual neto setelah pajak 5e -- -- -- -- (36,802,047) -- -- -- (36,802,047) (4,875,185) (41,677,232) securities net after tax
Reklasifikasi dana Tabarru' 21 -- -- -- -- -- -- -- (12,230,872) (12,230,872) -- (12,230,872) Reclassification Tabarru' fund
Surplus revaluasi aset tetap 10 -- -- -- -- -- 124,560,487 -- -- 124,560,487 (331,312) 124,229,175 Fixed assets revaluation surplus
Saldo per 31 Desember 2022 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 December 31 2022
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
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 493
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Catatan/ 2023 2022
Notes Rp Rp
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan kas dari tertanggung, Cash receipts from insured,
reasuradur, dan pelanggan 8,499,827,503 7,996,568,249 reinsurers, and customers
Pembayaran kas kepada tertanggung, Cash paid to insured, reinsurers,
reasuradur, pemasok, dan karyawan (7,303,259,682) (7,084,256,370) suppliers, and employees
Pembayaran pajak penghasilan (198,596,293) (56,870,078) Income tax paid
Penerimaan klaim atas pengembalian pajak 18,328,138 472,610 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 2,128,649,029 855,914,411 operating activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS INVESTASI INVESTING ACTIVITIES
Penerimaan bunga 446,797,913 174,303,943 Interest received
Penerimaan dividen 43,395,981 9,591,362 Dividends received
Proceeds from Placement
Penempatan investasi, neto (2,216,923,649) (577,603,205) of investments, net
Perolehan aset tetap 10 (368,082,172) (263,733,826) Acquisitions of fixed assets
Hasil penjualan aset tetap 10 21,331 10,187 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 (2,094,902,465) (657,431,539) for investing activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Tambahan modal disetor 28 -- 28,420 Additional paid in capital
Pembayaran dividen 26 (244,362,381) (131,889,738) Dividends paid
Pembayaran pinjaman diterima 23 (71,485,703) (24,791,064) Payment of borrowings
Pencairan pinjaman diterima 23 246,288,544 102,811,711 Proceeds of borrowings receiving
Pembayaran utang sewa pembiayaan Payment of consumer finance
konsumen dan sewa pembiayaan 24 (23,102,483) (90,339,269) and lease payable
Pembayaran bunga sewa pembiayaan 24 (5,278,681) (8,933,293) Payment of lease payable interest
Pembayaran liabilitas sewa 11 (3,440,371) (4,807,958) Payment of lease liabilities
Arus kas neto yang digunakan Net cash flows used in
untuk aktivitas pendanaan (101,381,075) (157,921,191) financing activities
KENAIKAN (PENURUNAN) NET INCREASE (DECREASE)
NETO KAS DAN BANK (67,634,511) 40,561,681 IN CASH AND BANKS
PENYESUAIAN ATAS ADJUSTMENT OF FOREIGN
SELISIH KURS (3,494,364) 22,432,743 EXCHANGES DIFFERENCE
KAS DAN BANK CASH AND BANKS
AWAL TAHUN 4 608,986,099 545,991,675 AT BEGINNING OF YEAR
KAS DAN BANK CASH AND BANKS AT
AKHIR TAHUN 4 537,857,224 608,986,099 END OF YEAR
* Lihat Catatan 40 untuk pengungkapan informasi tambahan arus * See Note 40 for the additional cash flows information.
kas.
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 494
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 2023 dan 2022 December 31, 2023 and 2022
(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 33 kantor Kav C 8-9, Jakarta 12920, with 33 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
Page 495
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 2023 dan 2022 December 31, 2023 and 2022
(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. 124 tanggal Based on Notarial Deed No. 124 dated
23 April 2023 dan telah memperoleh April 23, 2023 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.01.09-0114441 dated May 5, 2023 and
0114441 tanggal 5 Mei 2023 dan Akta Notarial Deed No. 132 dated August 24, 2022
Notaris No. 132 tanggal 24 Agustus 2022 and was approved by the Minister of Law and
dan telah memperoleh persetujuan dari Human Rights of Republic of Indonesia in his
Kementerian Hukum dan Hak Asasi Manusia Decision Letter No. AHU-AH.01.09-0047451
Republik Indonesia dalam Surat Keputusan dated August 24, 2022. The Company’s Board
No. AHU-AH.01.09-0047451 tanggal of Commissioners and Directors, Audit
24 Agustus 2022. Susunan Dewan Committee, and Sharia Supervisory Board as
Komisaris, Direksi, Komite Audit, dan Dewan of December 31, 2023 and 2022, are as
Pengawas Syariah Perseroan pada tanggal follows:
31 Desember 2023 dan 2022 adalah
sebagai berikut:
2023 2022
Dewan Komisaris : Board of Commissioners :
Presiden Komisaris Dian Masyita * Dian Masyita * President Commissioner
Komisaris Independen Poerwo Tjahjono Poerwo Tjahjono Independent Commissioner
Komisaris Independen Tajudin Noor** Adi Zakaria Afiff Independent Commissioner
Komisaris Samuel Lie (Samuel Ramna) Amelia Kurniawan 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 Syaiful Azhar Director
Direktur Ery Widiatmoko Ery Widiatmoko Director
Direktur Edi Yoga Prasetyo** Budi P. Amir 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 Jafril Khalil Chairman
Anggota Siti Hannah Muhammad Maksum 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 23 Juni *** Passed fit and proper test OJK on June, 23 2023
2023
8
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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 2023 dan 2022 December 31, 2023 and 2022
(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:
2023 2022
Rp Rp
Dewan Komisaris : Board of Commissioners :
Imbalan kerja jangka pendek 9,071,347 9,401,743 Short-term benefits
Imbalan kerja jangka panjang 572,218 987,197 Long-term benefits
Sub jumlah 9,643,565 10,388,940 Sub total
Direksi : Board of Directors :
Imbalan kerja jangka pendek 38,057,784 35,012,304 Short-term benefits
Imbalan kerja jangka panjang 2,184,217 2,098,391 Long-term benefits
Sub jumlah 40,242,001 37,110,695 Sub total
Jumlah 49,885,566 47,499,635 Total
Total karyawan Perseroan pada tanggal The Company had total number of employees
31 Desember 2023 dan 2022 masing- as of December 31, 2023 and 2022 is 357 and
masing adalah 357 dan 355 orang (tidak 355, 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:
9
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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 2023 dan 2022 December 31, 2023 and 2022
(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 2023 2022 2023 2022
PT Tugu Pratama lnterindo 29 April 1994/ Jakarta Investasi saham/ 99.99% 99.99% 3,992,978,986 3,914,076,193
(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% 2,475,050,589 2,233,741,431
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% 692,537 750,207
February 16, 1987 Brokerage and reinsurance
consultancy
Tugu Insurance Company 15 Desember 1965/ Hong Kong Asuransi kerugian/ 100.00% 100.00% 2,546,789,784 2,604,916,346
Limited (TIC)**) December 15, 1965 General insurance
PT Synergy Risk Management 23 Januari 1995/ Jakarta Manajemen risiko, surveyor dan 99.90% 99.90% 62,352,335 56,277,980
Consultants*) January 23, 1995 penilai/
Risk management, surveyor
and valuation
PT Tugu Reasuransi Indonesia 2 April 1987/ Jakarta Reasuransi/ Reinsurance 50.74% 50.74% 5,901,020,745 5,208,481,687
(TRI)*) April 2, 1987
YHT & Company Limited, 23 Desember 1986/ Guernsey Broker dan konsultan reasuransi/ 99.86% 99.86% -- --
Guernsey (YHT) December 23, 1986 Brokerage and reinsurance
consultancy
Reksa dana GAP 20 April 2015/ Jakarta Investasi reksadana/ 100.00% 100.00% 55,077,828 54,812,090
Dana Kombinasi***) April 20, 2015 Investment in mutual fund
Reksa dana Terproteksi 30 September 2013/ Jakarta Investasi reksadana/ 100.00% 100.00% 90,184,540 89,923,160
Insight Terproteksi 2***) September 30, 2013 Investment in mutual fund
Reksa dana Trimegah Dana 7 April 2020/ Jakarta Investasi reksadana/ 100.00% 100.00% -- 105,916,326
Obligasi Nusantara April 7, 2020 Investment in mutual fund
Reksa dana Pendapatan Tetap 15 April 2020/ Jakarta Investasi reksadana/ 100.00% 100.00% -- 179,605,347
BNI-AM Prioritas Optima April 15, 2020 Investment in mutual fund
Reksa dana Bahana Pratama 20 Januari 2021/ Jakarta Investasi reksadana/ 100.00% 100.00% -- 56,550,687
Pendapatan Tetap January 20, 2021 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 22 Maret 2024. issuance by the Directors on March 22, 2024.
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
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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 sDecision No. KEP-
yang terdapat di dalam Peraturan dan 347/BL/2012 dated June 25, 2012 on the
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 1c 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
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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
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.
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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
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 nonpengendali (“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
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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,
2023, dengan penerapan dini diperkenankan with early adoption is permitted, are as
yaitu: follows:
- Amendemen PSAK 1: Penyajian Laporan - Amendments PSAK 1: Presentation of
Keuangan tentang Pengungkapan Financial Statements regarding Disclosure
Kebijakan Akuntansi; of Accounting Policies;
- Amendemen PSAK 16: Aset Tetap - Amendment PSAK 16: Property, Plant and
tentang Hasil Sebelum Penggunaan yang Equipment regarding Proceeds before
Diintensikan; Intended Use;
- Amendemen PSAK 25: Kebijakan - Amendments PSAK 25: Accounting
Akuntansi, Perubahan Estimasi Policies, Changes in Accounting Estimates
Akuntansi, dan Kesalahan tentang and Errors regarding Definition of
Definisi Estimasi Akuntansi; Accounting Estimates;
- Amendemen PSAK 46: Pajak - Amendments PSAK 46: Income Tax
Penghasilan tentang Pajak Tangguhan regarding Deferred Tax related to Assets
terkait Aset dan Liabilitas yang timbul dari and Liabilities arising from a Single
Transaksi Tunggal; dan Transaction; and
- Revisi PSAK 107: Akuntansi Ijarah. - Revised PSAK 107: Accounting for Ijara.
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 2023 dan 2022 December 31, 2023 and 2022
(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.
2023 2022
Rp Rp
1 Dolar Amerika Serikat (USD) 15,416 15,731 1 United Stated Dollar (USD)
1 Dolar Hong Kong (HKD) 1,973 2,019 1 Hong Kong Dollar (HKD)
1 Poundsterling Inggris (GBP) 19,760 18,926 1 Great British Pounds (GBP)
100 Yen Jepang (JPY) 10,955 11,757 100 Japan Yen (JPY)
1 Euro (EUR) 17,140 16,713 1 Euro (EUR)
1 Chinese Yuan (CNY) 2,170 2,257 1 Chinese Yuan (CNY)
1 Korean Won (KRW) 12 12 1 Korean Won (KRW)
1 Singapore Dollar (SGD) 11,712 11,659 1 Singapore Dollar (SGD)
1 Indian Rupee (INR) 185 188 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 2023 dan 2022 December 31, 2023 and 2022
(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.
17
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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 2023 dan 2022 December 31, 2023 and 2022
(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
18
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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 2023 dan 2022 December 31, 2023 and 2022
(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.
19
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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 2023 dan 2022 December 31, 2023 and 2022
(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 55 (Revisi 2014)/ oleh Grup)/
Category as defined by Class (as determined Sub-golongan/
PSAK 55 (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
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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 2023 dan 2022 December 31, 2023 and 2022
(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 2023 dan 2022 December 31, 2023 and 2022
(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 2023 dan 2022 December 31, 2023 and 2022
(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
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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 2023 dan 2022 December 31, 2023 and 2022
(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.
Grup menghentikan penggunaan metode The Group discontinue the use of the equity
ekuitas sejak tanggal ketika investasinya method from the date when its investment
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
ISAK 25 menetapkan bahwa biaya ISAK 25 prescribes that the legal cost of land
pengurusan legal hak atas tanah dalam rights in the form of Business Usage Rights
bentuk Hak Guna Usaha (“HGU”), Hak Guna (“Hak Guna Usaha” or “HGU”), Building Usage
Bangunan (“HGB”) dan Hak Pakai (“HP”) Right (Hak Guna Bangunan or “HGB”) and
ketika tanah diperoleh pertama kali diakui Usage Rights (“Hak Pakai” or “HP”) when the
sebagai bagian dari biaya perolehan tanah land was acquired initially are recognized as
pada akun “Aset Tetap” dan tidak part of the cost of the land under the “Fixed
diamortisasi. Sementara biaya pengurusan Assets” account and not amortized.
atas perpanjangan atau pembaruan legal Meanwhile, the extension or the legal renewal
hak atas tanah dalam bentuk HGU, HGB, costs of land rights in the form of HGU, HGB,
dan HP diakui sebagai bagian dari beban and HP were recognized as part of deferred
ditangguhkan pada laporan posisi keuangan charges in the consolidated statements of
konsolidasian dan diamortisasi sepanjang financial position and were amortized over the
mana yang lebih pendek antara umur hukum shorter of the rights’ legal life and land’s
hak dan umur ekonomis tanah. economic life.
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
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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.
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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.
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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
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
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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 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
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 an
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 contract is classified as follows:
berikut:
- Kontrak asuransi jangka pendek - Short-term insurance contract
Kontrak asuransi jangka pendek adalah Short-term insurance contract is insurance
kontrak asuransi yang hanya memberikan contract that only provides insurance
proteksi asuransi tanpa ada komponen protection without deposit component for
deposit untuk jangka waktu sama dengan period of or less than twelve months.
atau kurang dari dua belas bulan.
- Kontrak asuransi jangka panjang - Long-term insurance contract
Kontrak asuransi jangka panjang adalah Long-term insurance contract is insurance
kontrak asuransi yang hanya memberikan contract that only provides insurance
proteksi asuransi tanpa ada komponen protection without deposit component for
deposit untuk jangka waktu lebih dari dua period of more than twelve months.
belas bulan.
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
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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 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.
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 reflect 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 asset from
belum diterima merupakan unearned premium reserves is
pendapatan diakui bersamaan pada recognized simultaneously when 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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
saat timbulnya cadangan atas premi unearned premium reserves arisen.
yang belum merupakan pendapatan.
Porsi aset reasuransi dari premi yang The portion of reinsurance asset 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
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.
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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 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.
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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 expense are recognized as
lainnya diakui pada saat terjadinya, incurred an accrual basis.
menggunakan dasar akrual.
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.
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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.
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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’ regulation. 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
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 benefit and defined contribution
plans.
Program imbalan pasti merupakan Defined benefit plan is a pension plan
program pensiun yang menetapkan that defines an 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.
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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
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
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
- 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.
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.
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Koreksi atas utang pajak diakui pada saat Correction to taxation obligations are 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.
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 element 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 46.
lingkup yang diatur oleh PSAK 46. 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 108 The Company uses PSAK 108 “Accounting for
“Akuntansi untuk Transaksi Asuransi Sharia Insurance Transactions” to record its
Syariah” 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 2023 dan 2022, Grup tidak 2022, 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
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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 held within a business
model usaha yang bertujuan utama untuk model whose primary purpose is to obtain
memperoleh arus kas kontraktual dan contractual cash flows and there is a
terdapat persyaratan kontraktual dalam contractual requirement to determine a
menentukan tanggal tertentu atas 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 model whose primary purpose is to obtain
terutamauntuk memperoleh arus kas contractual require cash flow and selling
kontraktual dan melakukan penjualan sukuk, there is a contractual requirement
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
sukuk, terdapat persyaratan kontraktual to determine a certain date for payment of
dalam 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.
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 expense
disajikan secara neto dalam laba rugi 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.
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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 rental
bermotor yang tersedia untuk dijual vehicles which can be sold immediately, and
merupakan kendaraan bekas sewa yang the sales should be highly probable. Motor
dapat dijual dengan segera, dan vehicles which fulfill the criteria of held-for-
penjualannya harus sangat mungkin terjadi. sale, are measured at lower carrying amount
Kendaraan bermotor yang memenuhi kriteria and net realizable value. At the point of
dimiliki untuk dijual diukur pada nilai yang 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 of 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
Perusahaan memberikan opsi saham The Company granted share options to the
kepada Direksi dan Komisaris selain Boards of Directors and Commissioners other
komisaris independen dan karyawan kunci than independent commissioner and key
dalam Program Management and Employee employees via the Management and
Stock 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 7 “Related Party
PSAK 7 “Pengungkapan Pihak-Pihak Disclosures”.
Berelasi”.
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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”):
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 is 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
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
kunci entitas (atau entitas induk of the entity); or
dari entitas); atau
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 prices 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 the note 39 to
dalam catatan 39 atas laporan keuangan. the financial statements.
Transaksi dengan pihak berelasi dilakukan Transactions with related parties is 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 5, “Segmen Operasi” yang following PSAK 5, “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 The financial information based on such lines
dimanfaatkan oleh Manajemen untuk of 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 Group are
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
ditentukan sebelum saldo dan transaksi eliminated.
antar Grup, dieliminasi sebagai bagian dari
proses konsolidasi.
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.
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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
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 62, “Kontrak Asuransi”, Based on PSAK 62, “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 had 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 55.
ditetapkan PSAK 55 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.
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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
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
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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 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 arise. 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.
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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 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 number of factors
dengan menggunakan asumsi aktuarial. that are determined on an actuarial basis
Asumsi yang digunakan dalam menentukan using a number of assumptions. The
biaya neto untuk pensiun termasuk tingkat assumptions used in determining the net cost
pengembalian jangka panjang yang for pensions include the expected long-term
diharapkan atas aset program, tingkat rate of return on the relevant plan assets, the
diskonto yang relevan, tingkat kenaikan gaji, discount rate future salary increases, mortality
tingkat kematian, tingkat pengunduran diri rate, resignation rate and others. Any changes
dan lain-lain. Setiap perubahan dalam in these assumptions will impact 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 evidences, 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 asset 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;
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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 into commercial
komersial atas portofolio properti property leases on its investment property
investasinya. Grup telah menentukan, portfolio. The Group has determined, based
berdasarkan evaluasi terhadap syarat dan on an evaluation of the terms and conditions
ketentuan pengaturan, seperti masa sewa of the arrangements, such as the lease term
yang bukan merupakan bagian utama dari not constituting a major part of the economic
kehidupan ekonomi dari properti komersial life of the commercial property and the
dan nilai sekarang dari pembayaran sewa present value of the minimum lease payments
minimum yang tidak berjumlah secara not amounting to substantially all of the fair
substansial seluruhnya dari nilai wajar value of the commercial property, that it
properti komersial, bahwa ia memiliki secara retains 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 Leases - 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
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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).
4. Kas dan Bank 4. Cash On Hand and In Banks
2023 2022
Rp Rp
Kas Cash on hand
Rupiah 64,922 62,387 Rupiah
Dolar Hongkong 61,315 72,866 Hongkong Dollar
Jumlah kas 126,237 135,253 Total cash on hand
Bank Cash in banks
Pihak berelasi (Catatan 39) 303,107,902 534,690,138 Rel at ed part i es (Not e 39)
Pihak ketiga T hi rd part i es
Rupiah Rupiah
Citibank NA 15,762,333 12,486,792 Citibank NA
PT Bank Central Asia Tbk 10,281,169 1,965,460 PT Bank Central Asia Tbk
PT Bank Muamalat Indonesia Tbk 4,509,387 2,305,159 PT Bank Muamalat Indonesia Tbk
PT Bank Maybank Indonesia Tbk 2,326,378 2,354,476 PT Bank Maybank Indonesia Tbk
PT Bank KB Bukopin Tbk 1,333,688 4,424,206 PT Bank KB Bukopin Tbk
PT IBK Indonesia Tbk 524,474 -- PT Bank IBK Tbk
PT Bank BCA Syariah 170,789 -- PT Bank BCA Syariah
PT Bank CIMB Niaga Tbk 168,207 117,880 PT Bank CIMB Niaga Tbk
PT Bank Mega Syariah 119,411 135,390 PT Bank Mega Syariah
PT Bank Permata Tbk 77,327 77,045 PT Bank Permata Tbk
Dolar Amerika Serikat United States Dollar
Citibank NA 97,072,348 4,063,064 Citibank NA
PT Bank Mega Tbk 64,815,002 26,631 PT Bank Mega Tbk
PT Bank Sinarmas Tbk 15,063,826 2,625,306 PT Bank Sinarmas Tbk
Dah Sing Bank Ltd 14,940,964 25,842,399 Dah Sing Bank Ltd
Lloyds Bank 4,263,630 14,486,049 Lloyds Bank
PT Bank CIMB Niaga Tbk 100,536 104,849 PT Bank CIMB Niaga Tbk
Poundsterling Inggris Great Britain Poundsterling
Lloyds Bank 692,537 750,207 Lloyds Bank
Yen Jepang Japanese Yen
Citibank NA 1,754,613 1,763,935 Citibank NA
Dolar Singapura Singapore Dollar
Citibank NA 73,256 72,927 Citibank NA
Euro Euro
Citibank NA 573,210 558,933 Citibank NA
Sub-jumlah 234,623,085 74,160,708 Sub-total
Jumlah bank 537,730,987 608,850,846 Total cash in bank
Jumlah kas dan bank 537,857,224 608,986,099 Total cash on hand and in bank
Saldo kas dan bank pada 31 Desember As of December 31, 2023 and 2022, cash on
2023 dan 2022, pada Unit Bisnis Syariah hand and in bank in Sharia Business Unit
masing-masing adalah sebesar amounted to Rp32,717,537 and
Rp32.717.537 dan Rp34.566.866 (Catatan Rp34,566,866, respectively (Note 44).
44).
Lihat Catatan 39 untuk rincian saldo dan Refer to Note 39 for details of related parties
transaksi pihak berelasi. balances and transactions.
53
Page 541
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 2023 dan 2022 December 31, 2023 and 2022
(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
2023 2022
Rp Rp
Pihak berelasi (Catatan 39) 2,548,909,034 1,565,826,313 Related parties (Note 39)
Pihak ketiga Third parties
Rupiah Rupiah
PT Bank Mega Tbk 155,250,000 45,445,000 PT Bank Mega Tbk
PT Bank Mega Syariah 16,000,000 11,000,000 PT Bank Mega Syariah
PT Bank KB Bukopin Tbk 10,500,000 7,500,000 PT Bank KB Bukopin Tbk
PT Bank CIMB Niaga Tbk 5,600,000 2,925,000 PT Bank CIMB Niaga Tbk
PT Bank Danamon Indonesia Tbk 5,000,000 2,000,000 PT Bank Danamon Indonesia Tbk
PT Bank Panin Dubai Syariah Tbk 3,500,000 3,500,000 PT Bank Panin Dubai Syariah Tbk
PT Bank BTPN Syariah Tbk 3,000,000 3,000,000 PT Bank BTPN Syariah Tbk
PT Bank Permata Tbk 2,000,000 -- PT Bank Permata Tbk
PT Bank Maybank PT Bank Maybank
Indonesia Tbk 1,500,000 1,500,000 Indonesia Tbk
PT Bank BCA Syariah 1,000,000 -- PT Bank BCA Syariah
PT Bank KB Bukopin Syariah -- 5,500,000 PT Bank KB Bukopin Syariah
Dolar Amerika Serikat United States Dollar
Dah Sing Bank Ltd 112,961,539 87,661,521 Dah Sing Bank Ltd
PT Bank Permata Tbk 63,205,600 -- PT Bank Permata Tbk
PT Bank Mega Tbk 46,248,000 53,092,125 PT Bank Mega Tbk
Dolar Singapura Singapore Dollar
PT Bank Danamon Indonesia Tbk 1,178,431 1,170,799 PT Bank Danamon Indonesia Tbk
Dolar Hongkong Hongkong Dollar
Dah Sing Bank Ltd 84,685,946 26,630,819 Dah Sing Bank Ltd
Poundsterling Inggris Great Britain Poundsterling
Dah Sing Bank Ltd 19,560,970 19,962,895 Dah Sing Bank Ltd
Jumlah pihak ketiga 531,190,486 270,888,159 Total third parties
Jumlah deposito berjangka 3,080,099,520 1,836,714,472 Total time deposit
2023 2022
% %
Tingkat suku bunga per Interest rate per
tahun: annum:
Rupiah 2.00% - 7.67% 1.95% - 5.90% Rupiah
Dolar Amerika Serikat 0.75% - 5.8% 0.20% - 3.00% US Dollar
Dolar Singapura 0.25% - 1.25% 0.25% - 0.50% Singapore Dollar
Hongkong Dollar 2.98%-4.60% 0.85% Hongkong Dollar
Jumlah deposito berjangka pada Time deposits as of December 31, 2023
31 Desember 2023 dan 2022, di Unit and 2022 in Sharia Business Unit
Bisnis Syariah adalah sebesar amounted to Rp43,239,400 and
Rp43.239.400 dan Rp39.826.025 Rp39,826,025, respectively (Note 44).
(Catatan 44).
Pada tanggal 31 Desember 2023, As of December 31, 2023, 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 (2022: Rp5,000,000).
(2022: Rp5.000.000).
54
Page 542
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
b. Efek-efek b. Marketable securities
2023 2022
Rp Rp
Pihak berelasi (catatan 39) Related parties (note 39)
Nilai wajar melalui laba rugi Fair value through profit or loss
Saham 50,545,416 50,034,412 Shares
Obligasi -- 345,053,504 Bonds
Reksadana 119,623,737 41,557,904 Mutual funds
170,169,153 436,645,820
Tersedia untuk dijual Available-for-sale
Saham 76,168,130 95,331,079 Shares
Obligasi 4,547,337,890 3,163,988,470 Bonds
Reksadana 304,864,746 233,211,805 Mutual funds
4,928,370,766 3,492,531,354
Sub-jumlah - pihak berelasi 5,098,539,919 3,929,177,174 Sub total - related parties
Pihak ketiga Third parties
Nilai wajar melalui laba rugi Fair value through profit or loss
Saham 85,758,146 107,992,898 Shares
Reksadana 143,072,853 160,729,795 Mutual funds
228,830,999 268,722,693
Tersedia untuk dijual Available-for-sale
Saham 56,202,265 83,152,561 Shares
Obligasi 230,386,856 198,600,029 Bonds
Reksadana 457,439,326 516,694,647 Mutual funds
744,028,447 798,447,237
Sub-jumlah - pihak ketiga 972,859,446 1,067,169,930 Sub-total - third parties
Jumlah efek-efek 6,071,399,365 4,996,347,104 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, 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
55
Page 543
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 2023 dan 2022 December 31, 2023 and 2022
(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
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
Dolar Hongkong Hongkong Dollar
AIA 110,000 10,687,834 14,772,072 AIA
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
31 Desember/December 31, 2022
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) 50,034,412 Related parties (note 39)
Pihak ketiga Third parties
Rupiah Rupiah
PT Bank Central Asia Tbk 1,282,500 8,119,071 10,965,373 PT Bank Central Asia Tbk
PT Adaro Energy Indonesia Tbk 1,025,400 2,579,383 3,947,790 PT Adaro Energy Indonesia Tbk
PT Merdeka Copper Gold Tbk 862,999 2,611,184 3,555,556 PT Merdeka Copper Gold Tbk
PT Astra International Tbk 578,800 4,257,593 3,299,160 PT Astra International Tbk
PT Kalbe Farma Tbk 1,219,200 2,025,593 2,548,128 PT Kalbe Farma Tbk
PT Ciputra Development Tbk 2,272,600 3,227,067 2,136,244 PT Ciputra Development Tbk
PT Summarecon Agung Tbk 2,819,532 4,422,520 1,705,817 PT Summarecon Agung Tbk
PT Matahari Department Store Tbk 358,300 5,277,128 1,701,925 PT Matahari Department Store Tbk
PT Total Bangun Persada Tbk 3,911,100 3,317,130 1,181,152 PT Total Bangun Persada Tbk
PT Vale Indonesia Tbk 151,800 1,006,919 1,077,780 PT Vale Indonesia Tbk
PT Harum Energy Tbk 590,600 1,108,538 956,772 PT Harum Energy Tbk
56
Page 544
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Jumlah Saham/ Biaya Perolehan/ Nilai Wajar/
Number of Shares Cost Fair Value
PT Bumi Serpong Damai Tbk 995,600 2,060,846 915,952 PT Bumi Serpong Damai Tbk
PT Sarana Menara Nusantara Tbk 650,000 732,973 715,000 PT Sarana Menara Nusantara Tbk
PT Indofood CBP Sukses Makmur Tbk 69,900 685,203 699,000 PT Indofood CBP Sukses Makmur Tbk
PT United Tractors Tbk 21,000 446,681 547,575 PT United Tractors Tbk
PT Charoen Pokphand Indonesia Tbk 95,100 647,838 537,315 PT Charoen Pokphand Indonesia Tbk
PT Bukalapakcom Tbk 1,915,700 1,020,949 501,913 PT Bukalapakcom Tbk
PT Bank Jago Tbk 130,300 1,407,413 484,709 PT Bank Jago Tbk
PT Tower Bersama Infrastructure Tbk 208,500 616,842 479,550 PT Tower Bersama Infrastructure Tbk
PT Barito Pacific Tbk 482,824 533,822 364,532 PT Barito Pacific Tbk
PT Unilever Indonesia Tbk 72,800 583,836 342,160 PT Unilever Indonesia Tbk
PT Bakrieland Development Tbk 4,444,400 399,996 222,220 PT Bakrieland Development Tbk
PT Matahari Putra Prima Tbk 1,676,600 3,956,428 214,605 PT Matahari Putra Prima Tbk
PT Indofood Sukses Makmur Tbk 25,000 195,567 168,125 PT Indofood Sukses Makmur Tbk
PT Astra Agro Lestari Tbk 99 1,131 794 PT Astra Agro Lestari Tbk
PT Indah Kiat Pulp & Paper Tbk 86 310 750 PT Indah Kiat Pulp & Paper Tbk
PT Truba Alam Manunggal PT Truba Alam Manunggal
Engineering Tbk 410,500 411 411 Engineering Tbk
PT Sitara Propertindo Tbk 50 6 3 PT Sitara Propertindo Tbk
Dolar Hongkong Hongkong Dollar
AIA 110,000 10,906,222 19,262,531 AIA
Regal Real Estate Investment Trust 2,765,000 13,397,145 7,809,516 Regal Real Estate Investment Trust
Power Assets Holdings Ltd 83,000 8,123,990 7,158,387 Power Assets Holdings Ltd
China Life Insurance Co Ltd 250,000 11,615,619 6,758,429 China Life Insurance Co Ltd
Bank Of China Ltd - H Shares 1,050,000 7,677,178 6,016,011 Bank Of China Ltd - H Shares
Manulife Financial Corporation 18,700 4,383,972 5,228,845 Manulife Financial Corporation
China Construction Bank Corporation 450,000 6,661,251 4,439,380 China Construction Bank Corporation
Link Real Estate Investment Trust 33,000 5,035,649 3,814,780 Link Real Estate Investment Trust
New World Development Co Ltd 54,139 4,594,096 2,402,890 New World Development Co Ltd
MTR Corporation Ltd 26,000 2,429,944 2,168,951 MTR Corporation Ltd
Hong Kong Exchanges and Clearing Ltd 3,000 2,987,934 2,040,844 Hong Kong Exchanges and Clearing Ltd
Agricultural Bank Of China Ltd 300,000 1,946,319 1,622,023 Agricultural Bank Of China Ltd
Sub-jumlah 107,992,898 Sub-total
Jumlah nilai wajar melalui laba rugi 158,027,310 Total fair value through profit or loss
Tersedia untuk dijual Available-for-sale
Pihak berelasi (catatan 39) 95,331,079 Related parties (note 39)
Pihak ketiga Third parties
Rupiah Rupiah
PT Astra International Tbk 3,462,700 21,586,620 19,737,390 PT Astra International Tbk
PT United Tractors Tbk 312,200 9,240,243 8,140,615 PT United Tractors Tbk
PT Indofood Sukses Makmur Tbk 1,205,100 8,539,879 8,104,298 PT Indofood Sukses Makmur Tbk
PT Unilever Indonesia Tbk 1,720,600 12,675,423 8,086,820 PT Unilever Indonesia Tbk
PT Sarana Menara Nusantara Tbk 4,244,300 4,805,228 4,668,730 PT Sarana Menara Nusantara Tbk
PT Indofood CBP Sukses Makmur Tbk 442,300 4,175,335 4,423,000 PT Indofood CBP Sukses Makmur Tbk
PT Bank Central Asia Tbk 506,200 3,315,946 4,328,010 PT Bank Central Asia Tbk
PT Gudang Garam Tbk 216,000 12,741,077 3,888,000 PT Gudang Garam Tbk
PT Charoen Pokphand Tbk 683,800 4,337,928 3,863,470 PT Charoen Pokphand Tbk
PT Indocement Tunggal Prakarsa Tbk 360,000 4,615,586 3,564,000 PT Indocement Tunggal Prakarsa Tbk
PT HM Sampoerna Tbk 2,981,900 6,264,981 2,504,796 PT HM Sampoerna Tbk
PT Astra Argo Lestari Tbk 200,111 3,172,917 1,605,891 PT Astra Argo Lestari Tbk
PT Vale Indonesia Tbk 188,500 1,227,351 1,338,350 PT Vale Indonesia Tbk
PT Bumi Serpong Damai Tbk 1,233,000 2,308,021 1,134,360 PT Bumi Serpong Damai Tbk
PT Matahari Department Store Tbk 223,600 1,393,252 1,062,100 PT Matahari Department Store Tbk
PT XL Axiata Tbk 475,900 1,364,609 1,018,426 PT XL Axiata Tbk
PT Barito Pacific Tbk 1,325,357 1,369,875 1,000,645 PT Barito Pacific Tbk
PT Adaro Energy Tbk 233,900 649,054 900,515 PT Adaro Energy Tbk
PT PP London Sumatra Indonesia Tbk 857,400 1,277,035 870,261 PT PP London Sumatra Indonesia Tbk
PT Tower Bersama Infrastructure Tbk 272,900 711,885 627,670 PT Tower Bersama Infrastructure Tbk
PT Elang Mahkota Teknologi Tbk 581,000 1,279,290 598,430 PT Elang Mahkota Teknologi Tbk
PT Kalbe Farma Tbk 285,500 483,358 596,695 PT Kalbe Farma Tbk
PT Indah Kiat Pulp and Paper Tbk 67,500 573,979 588,938 PT Indah Kiat Pulp and Paper Tbk
PT Merdeka Copper Gold Tbk 110,700 424,988 456,084 PT Merdeka Copper Gold Tbk
PT Sri Rejeki Isman Tbk 900,000 131,400 45,000 PT Sri Rejeki Isman Tbk
PT Medco Energi Internasional Tbk 66 39 67 PT Medco Energi Internasional Tbk
Sub-jumlah 83,152,561 Sub-total
Jumlah tersedia untuk dijual 178,483,640 Total Available-for-sale
Jumlah saham 336,510,950 Total shares
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
ii. Obligasi ii. Bonds
Tingkat
bunga per
Tanggal Thn (%)/
jatuh tempo/ Interest rate Peringkat/Rating Nilai wajar/Fair value
Maturity date per annum (%) 2023 2022 2023 2022
Nilai wajar melalui laba rugi/
Fair value through profit or loss
Pihak berelasi (catatan 39)/
Related parties (note 39)/ -- 345,053,504
Jumlah nilai wajar melalui laba rugi/
Total fair value through profit or loss -- 345,053,504
Tersedia untuk dijual/
Available-for-sale
Pihak berelasi (catatan 39)/
Related parties (note 39)/ 4,547,337,890 3,163,988,470
Pihak ketiga/Third parties
Rupiah/ Rupiah
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 24 Februari 2018/ 10.50% Default Default 50,000,000 50,000,000
Pembiayaan Thp I Thn 2018 Sr B February 24, 2018
Sukuk Ijarah Berkelanjutan III 1 September 2027/ 7.40% AAA AAA 40,375,925 40,298,540
XL Axiata Thp I Thn 2022 Sr B September 1, 2027
Obligasi Berkelanjutan II 29 Maret/ 7.00% AA -- 29,318,405 --
Mayora Indah Tahap II Tahun 2022 Seri A March 29 , 2027
Obligasi Berkelanjutan II 1 September 2027/ 7.40% AAA -- 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 V Astra 22 Oktober 2024/ 5.30% AAA AAA 19,854,800 19,827,000
Sedaya Finance Thp III Thn 2021 Sr B October 22, 2024
Obligasi Berkelanjutan II 1 September 2025 / 6.75% AAA -- 18,932,550 --
XL Axiata Tahap I Tahun 2022 Seri A September 1, 2025
Obligasi Subordinasi Berkelanjutan 13 November 2026/ 9.25% AA AA 18,696,404 18,843,121
Bank UOB Indonesia Thp II Thn 2019 November 13, 2026
MTN VI Sunprima Nusantara 19 Juli 2021/ 10.25% Default Default 18,000,000 18,000,000
Pembiayaan Thp I Thn 2018 Sr C July 19, 2021
Obligasi Berkelanjutan V Adira 22 Maret 2025/ 5.60% AAA AAA 17,814,780 17,750,340
Finance Thp III Thn 2022 Sr B March 22, 2025
Obligasi Berkelanjutan V Federal 25 Maret 2025/ 5.60% AAA AAA 13,777,260 13,828,220
International Finance Thp III Thn 2022 Sr B March 25, 2025
Obligasi Subordinasi Berkelanjutan II 17 Maret 2024/ 10.25% A+ A+ 10,056,486 10,315,751
Bank Panin Thp II Thn 2017 March 17, 2024
Obligasi Berkelanjutan V Astra 22 Maret 2025/ 5.70% AAA AAA 9,887,800 10,077,500
Sedaya Finance Thp IV Th 2022 Sr B March 22, 2025
Obligasi Subordinasi Berkelanjutan I 17 Oktober, 9.25% AA -- 9,132,892 --
Bank UOB Indonesia Tahap II Tahun 2017 October 17, 2024
Obligasi Berkelanjutan V Federal 05 Maret 2024 / 6.00% AAA -- 8,993,250 --
International Finance Thp V Thn 2023 Sr A March 05, 2024
Sukuk Ijarah Berkelanjutan I XL 28 April 2027/ 9.40% AAA AAA 5,350,243 5,439,806
Axiata Thp II Thn 2017 Sr E April 28, 2027
Sukuk Ijarah Orchid Realty I 31 Mei 2019/ 14.00% Default Default 4,680,384 5,000,000
May 31, 2019
Obligasi Berkelanjutan II Protelindo 17 Desember 2024/ 5.30% -- AA -- 29,358,000
Thp II Thn 2021 Sr B December 17, 2024
Obligasi Subordinasi Bank KEB 21 Desember 2023/ 9.95% -- A -- 10,322,863
Hana I Thn 2016 December 21, 2023
Obligasi Subordinasi Berkelanjutan II 10 Juni 2023/ 9.63% -- AA -- 10,157,051
Bank Maybank Indonesia Thp II Thn 2016 June 10, 2023
Obligasi Berkelanjutan III Medco 29 Maret 2023/ 9.15% -- AA- -- 10,097,300
Energi Int Thp 1 Thn 2018 Sr B March 29, 2023
Sub - jumlah/ Sub - Total 376,102,319 344,315,492
Dikurangi penyisihan kerugian penurunan nilai - pihak ketiga/
Less allowance for impairment losses - third parties (145,715,463) (145,715,463)
Jumlah pihak ketiga/
Total third parties 230,386,856 198,600,029
Jumlah tersedia untuk dijual//
Total available-for-sale 4,777,724,746 3,362,588,499
Jumlah - neto/ Total - net 4,777,724,746 3,707,642,003
58
Page 546
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
% %
Tingkat bunga per tahun Interest rate per annum
Rupiah 5.30%-11.00% 4.88%-14.00% 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:
2023 2022
Rp Rp
Obligasi Bonds
Saldo awal tahun 145,715,463 145,715,463 Balance at beginning year
Pemulihan -- -- Recovery
Saldo akhir tahun 145,715,463 145,715,463 Balance at end of year
Jumlah Surat berharga dalam Securities in the form of sukuk as of
bentuk sukuk pada 31 Desember 2023 and 2022 in the Sharia
2023 dan 2022, pada Unit Bisnis Business Unit amounted to
Syariah masing-masing adalah Rp30,123,970 and Rp30,010,990,
sebesar Rp30.123.970 dan respectively (Note 44).
Rp30.010.990 (Catatan 44).
Pada tanggal 31 Desember 2023, As at December 31 2023, bonds
termasuk dalam obligasi include bonds placed as statutory
adalah obligasi yang ditempatkan funds amounted to Rp65,416,000
sebagai Dana jaminan (2022: Rp65,279,110).
sebesar Rp65.416.000 (2022:
Rp65.279.110).
Peringkat untuk efek-efek Rupiah Ratings for Rupiah securities is
adalah berdasarkan peringkat yang based on ratings issued by PT
dikeluarkan PT Pemeringkat Efek Pemeringkat Efek Indonesia
Indonesia (Pefindo). (Pefindo).
Peringkat untuk efek-efek AS$ Ratings for US$ securities is based
adalah berdasarkan peringkat yang on ratings issued by Fitch.
dikeluarkan Fitch.
iii. Reksadana iii. Mutual funds
2023 2022
Rp Rp
Nilai wajar melalui laba rugi Fair value through profit or loss
Pihak berelasi (catatan 39) 119,623,737 41,557,904 Related parties (note 39)
Pihak ketiga Third parties
Rupiah Rupiah
Sucorinvest Money Market Fund 32,210,246 62,924,447 Sucorinvest Money Market Fund
Shinhan Money Market Fund 31,862,522 -- Shinhan Money Market Fund
ETF Premier Sri-Kehati 24,401,635 -- ETF Premier Sri-Kehati
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 43,100,846 Syailendra Dana Kas
Reksadana Pacific Money Market 5,346,598 -- Reksadana Pacific Money Market
Trimegah Kas 2 -- 39,547,273 Trimegah Kas 2
ETF Premier LQ-45 -- 14,360,702 ETF Premier LQ-45
ETF Premier IDX 30 -- 796,527 ETF Premier IDX 30
Sub - jumlah 143,072,853 160,729,795 Sub - total
Jumlah nilai wajar melalui laba rugi 262,696,590 202,287,699 Total fair value through profit or loss
59
Page 547
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
Tersedia untuk dijual Available-for-sale
Pihak berelasi (catatan 39) 304,864,746 233,211,805 Related parties (note 39)
Pihak ketiga Third parties
Rupiah Rupiah
Premier ETF IDX 30 114,905,792 110,359,730 Premier ETF IDX 30
Syailendra Pendapatan Tetap Premium 101,380,506 -- Syailendra Pendapatan Tetap Premium
Reksadana Penyertaan Terbatas Reksadana Penyertaan Terbatas
Manulife Obligasi Unggulan Kelas A 48,592,915 49,303,550 Manulife Obligasi Unggulan Kelas A
Reksadana Indeks Batavia IDX30 ETF 35,342,619 37,777,075 Reksadana Indeks Batavia IDX30 ETF
Syailendra MSCI Indonesia Fund Index 33,189,621 19,146,336 Syailendra MSCI Indonesia Fund Index
ETF Premier LQ-45 31,172,112 43,489,502 ETF Premier LQ-45
Tram Consumption Plus Kelas A 20,571,611 -- Tram Consumption Plus Kelas A
Reksadana Ashmore Dana Obligasi Reksadana Ashmore Dana Obligasi
Unggulan Nusantara 19,173,848 19,345,420 Unggulan Nusantara
Batavia Smart Liquid ETF 10,246,108 9,811,985 Batavia Smart Liquid ETF
Reksadana Avrist Prime Income Fund 10,124,643 -- Reksadana Avrist Prime Income Fund
Reksadana Penyertaan Terbatas Reksadana Penyertaan Terbatas
Batavia Dana Obligasi Ultima 10,056,037 9,912,140 Batavia Dana Obligasi Ultima
Reksadana Avrist Ada Obligasi Berlian 9,761,057 -- Reksadana Avrist Ada Obligasi Berlian
Reksadana Indeks Batavia Sri Kehati ETF 9,760,000 11,088,000 Reksadana Indeks Batavia Sri Kehati ETF
Reksadana Panin Dana Prima 1,908,558 1,885,455 Reksadana Panin Dana Prima
Reksadana SAM Indonesia Equity Fund 1,253,899 1,094,780 Reksadana SAM Indonesia Equity Fund
Reksadana Syailendra Dana Kas -- 62,468,271 Reksadana Syailendra Dana Kas
Money Market Fund Money Market Fund
Reksadana Sucorinvest -- 31,068,113 Reksadana Sucorinvest
Reksadana Bahana Likuid Plus -- 20,574,288 Reksadana Bahana Likuid Plus
Reksadana Shinhan Money Market Fund -- 20,556,654 Reksadana Shinhan Money Market Fund
Bahana Dana Ekuitas Andalan Kelas G -- 19,623,757 Bahana Dana Ekuitas Andalan Kelas G
Trimegah Consumption Plus -- 19,358,450 Trimegah Consumption Plus
Reksadana Trim Kas 2 -- 10,275,355 Reksadana Trim Kas 2
Reksadana Pacific Money Market -- 5,149,462 Reksadana Pacific Money Market
Reksadana Syailendra Equity Reksadana Syailendra Equity
Opportunity Fund -- 4,681,240 Opportunity Fund
Reksadana Trimegah Kapital Plus -- 1,719,854 Reksadana Trimegah Kapital Plus
Dolar Amerika Serikat United States Dollar
Reksadana Syailendra Liberty Fund -- 8,005,230 Reksadana Syailendra Liberty Fund
Sub - jumlah 457,439,326 516,694,647 Sub - total
Jumlah tersedia untuk dijual 762,304,072 749,906,452 Total available-for-sale
Jumlah reksadana 1,025,000,662 952,194,151 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 2023 2022 2023 2022
PT Reasuransi Maipark Indonesia 14.83% 14.58% 28,009,206 26,259,112
PT Asuransi Staco Mandiri 5.28% 5.28% 8,235,017 8,898,944
PT Pemeringkat Efek Indonesia 0.10% 0.10% 10,000 10,000
Jumlah 36,254,223 35,168,056
60
Page 548
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
PT Reasuransi Maipark Indonesia PT Reasuransi Maipark Indonesia
Pada tahun 2003, Perusahaan 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
Maipark Indonesia (Dahulu bernama (Formerly named Special Risk Insurance
Perusahaan Asuransi Risiko Khusus) Company) with the amount paid was
dengan jumlah yang dibayarkan adalah Rp 5,100,000.
sebesar Rp5.100.000.
Pada tahun 2023, Perusahaan In 2023, the Company increased its
melakukan penambahan kepemilikan share ownership by 1,145 shares with
saham sebanyak 1.145 lembar saham a purchase value of Rp1,750,094 so
dengan nilai pembelian Rp1.750.094 that the Company's share ownership
sehingga porsi kepemilikan saham portion became 14.83% as of
Perusahaan menjadi 14,83 % pada December 31, 2023. This share transfer
31 Desember 2023. Pengalihan saham has been notarized by Notarial Deed
ini telah diaktakan dengan Akta Notaris No 2, dated January 3, 2023.
No 2, tertanggal 3 Januari 2023.
PT Asuransi Staco Mandiri PT Asuransi Staco Mandiri
Pada tahun 1996, Perusahaan 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. Pada tanggal As of December 31, 2023, the
31 Desember 2023, persentase Company's ownership percentage in
kepemilikan Perusahaan di PT Asuransi PT Asuransi Staco Indonesia is 5.28%.
Staco Indonesia adalah sebesar 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 2023 2022 2023 2022
PT Asuransi Samsung Tugu 30.00% 30.00% 166,639,022 162,313,843
Jumlah 166,639,022 162,313,843
Mutasi investasi dengan metode Changes in investments under the equity
ekuitas: method:
61
Page 549
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
PT Asuransi Samsung Tugu PT Asuransi Samsung Tugu
Saldo awal 162,313,843 148,547,057 Beginning balance
Bagian laba bersih entitas asosiasi 7,763,237 17,047,789 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 (138,188) (1,596,939) marketable securities
Pengukuran kembali atas Remeasurement of employee
liabilitas imbalan kerja 109,688 105,158 benefits liability
Penerimaan dividen (3,409,558) (1,789,222) Dividend received
Saldo akhir 166,639,022 162,313,843 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:
2023 2022
Rp Rp
Jumlah aset 1,334,933,922 1,389,972,443 Total assets
Jumlah liabilitas 935,068,701 1,004,525,485 Total liabilities
Jumlah laba tahun berjalan 25,877,456 56,825,965 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-
tersedia untuk dijual Grup adalah sale marketable securities of the Group
sebagai berikut: are as follows:
2023 2022
Rp Rp
Perubahan nilai wajar 39,420,023 (65,685,228) Changes in fair value
Pajak penghasilan terkait pos Income tax related to items
yang akan direklasifikasi ke laba rugi (4,506,593) 24,007,996 that will be reclassified to profit or loss
34,913,430 (41,677,232)
Kenaikan (penurunan) yang Increase (decrease)
diatribusikan kepada non pengendali 230,975 4,875,185 attributable to controling interest
35,144,405 (36,802,047)
Saldo awal (26,735,318) 10,066,729 Beginning balance
Saldo akhir 8,409,087 (26,735,318) Ending balance
f. Properti investasi f. Investment properties
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 Ending
balance Additions Deductions adjustment translation 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
62
Page 550
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Dampak
Selisih translasi
penyesuaian laporan
nilai wajar/ keuangan/
Differences Effect on
Saldo awal/ arising financial Saldo akhir/
Beginning Penambahan/ Pengurangan/ from fair value statement Ending
balance Additions Deductions adjustment translation balance
Nilai wajar Fair value
Tanah 815,778,823 -- -- 701,418 -- 816,480,241 Land
Gedung dan fasilitas 1,477,841,151 -- (129,970) (1,391,898) 78,471 1,476,397,754 Building and facilities
Jumlah 2,293,619,974 -- (129,970) (690,480) 78,471 2,292,877,995 Total
Nilai buku neto 2,293,619,974 2,292,877,995 Net book value
Pendapatan sewa dari properti investasi Rental income from subsidiary’s
entitas anak sebesar Rp66.682.536 investment property amounting to
untuk tahun yang berakhir pada tanggal Rp66,682,536 for the year ended
31 Desember 2023 dicatat sebagai December 31, 2023 were recorded as
pendapatan usaha sewa di dalam akun rental business income in account “Other
“Pendapatan usaha lainnya” (2022: operating revenue” (2022:
Rp94.076.676). Rp94,076,676).
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
Antonius Setiady dan Rekan, penilai December 31, 2023, and Antonius
independen, untuk tanggal Setiady dan Rekan, an independent
31 Desember 2023 dan Kantor Jasa appraiser, for December 31, 2022. Based
Penilai Publik (KJPP) Antonius Setiady on the valuation reports, the value of the
dan Rekan, penilai independen, untuk Group’s investment in properties
tanggal 31 Desember 2022. amounted to Rp2,430,973,732 and
Berdasarkan hasil penilaian tersebut, Rp2,292,877,996 as of December 31,
nilai properti investasi Grup adalah 2023 and 2022, respectively. The
sebesar Rp2.430.973.732 dan valuation performed was based on cost
Rp2.292.877.995 masing-masing pada and revenue method.
tanggal 31 Desember 2023 dan 2022.
Penilaian dilakukan berdasarkan
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 2023 dan the year ended December 31, 2023 and
2022 dicatat sebagai bagian dari 2022 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 Rp139.041.665 dan Rp139,041,665 and (Rp690,480),
(Rp690.480). respectively.
Pada tanggal 31 Desember 2023 dan On December 31, 2023 and 2022,
2022, properti investasi diasuransikan investment properties are covered by
terhadap risiko kerugian akibat insurance against losses by fire and
kebakaran dan risiko lainnya bersama other risks together with fixed assets
dengan aset tetap (Catatan 10). (Note 10). Management believes that the
Manajemen berpendapat bahwa nilai sum insured is adequate to cover all
pertanggungan tersebut cukup untuk possible losses.
menutup kemungkinan kerugian atas
properti investasi yang
dipertanggungkan.
63
Page 551
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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
2023 2022
Rp Rp
Perseroan The Company
Pihak berelasi (catatan 39) 646,314,588 350,286,580 Related parties (note 39)
Pihak ketiga Third parties
PT Aon Indonesia 240,884,122 230,936,102 PT Aon Indonesia
PT Jawa Satu Power 165,389,682 58,884,212 PT Jawa Satu Power
PT Marsh Indonesia 154,264,626 123,934,052 PT Marsh Indonesia
PT Lion Mentari 54,087,649 194,792,493 PT Lion Mentari
PT Willis Towers Watson PT Willis Towers Watson
Insurance Broker Indonesia 33,427,080 91,339,057 Insurance Broker Indonesia
PT Paib Indonesia 27,844,850 -- PT Paib Indonesia
PT Mitra Iswara & Rorimpandey 25,332,876 4,094,533 PT Mitra Iswara & Rorimpandey
Trans-Pacific Petrochemical Indotama 24,218,613 13,994,395 Trans-Pacific Petrochemical Indotama
PT BBN Airlines Indonesia 13,953,418 -- PT BBN Airlines Indonesia
Paxocean Singapore Pte Ltd 12,173,872 -- Paxocean Singapore Pte Ltd
PT Travira Air 11,517,139 12,381,017 PT Travira Air
PT Kalibesar Raya Utama 11,372,026 5,996,978 PT Kalibesar Raya Utama
PT Fresnel Perdana Mandiri 9,379,319 6,216,009 PT Fresnel Perdana Mandiri
PT Liberty & General Risk Services 6,437,663 -- PT Liberty & General Risk Services
PT Axle Asia 6,363,705 12,398,397 PT Axle Asia
PT Sedana Pasifik Servistama 5,874,990 8,378,164 PT Sedana Pasifik Servistama
PT Bormindo Nusantara 4,702,256 5,691,016 PT Bormindo Nusantara
PT Indobaruna Bulk Transport 4,119,381 -- PT Indobaruna Bulk Transport
PT IBS Insurance Broking Service 3,769,159 1,781,221 PT IBS Insurance Broking Service
PT Golden Ocean Line 3,459,374 -- PT Golden Ocean Line
PT Weststar Aviation Services 3,367,169 1,730,376 PT Weststar Aviation Services
PT Talisman Insurance Brokers 3,314,152 -- PT Talisman Insurance Brokers
PT Mitra Cipta Proteksindo 3,227,846 1,160,136 PT Mitra Cipta Proteksindo
PT Tri Dharma Proteksi 3,121,740 3,637,341 PT Tri Dharma Proteksi
Bussan Auto Finance 3,048,109 5,406,148 Bussan Auto Finance
PT Mitra Harmoni Insurance Brokers 2,744,866 2,390,326 PT Mitra Harmoni Insurance Brokers
PT Sayap Garuda Indah 2,703,855 1,147,011 PT Sayap Garuda Indah
PT Batik Air 2,576,450 115,736,922 PT Batik Air
PT Shinta Inserve 2,522,753 2,498,008 PT Shinta Inserve
PT Indonesia Marowali Industrial Park 2,391,715 2,017,028 PT Indonesia Marowali Industrial Park
PT Adonai Pialang Asuransi 2,216,966 15,496,555 PT Adonai Pialang Asuransi
PT Estika Jasatama 2,193,832 1,045,778 PT Estika Jasatama
PT Howden Insurance Brokers Indonesia 2,181,701 -- PT Howden Insurance Brokers Indonesia
PT Daidan Utama Pialang Asuransi 2,122,941 2,907,872 PT Daidan Utama Pialang Asuransi
PT Indosurance Broker Utama 1,821,745 1,631,957 PT Indosurance Broker Utama
PT Nomad Aviation Indonesia 1,752,011 2,174,642 PT Nomad Aviation Indonesia
PT Wings Abadi 1,623,708 42,591,069 PT Wings Abadi
PT Pura Wisata Baruna 1,574,270 1,454,584 PT Pura Wisata Baruna
PT Krida Upaya Tunggal 1,573,311 1,216,563 PT Krida Upaya Tunggal
PT Super Air Jet 1,511,349 63,520,675 PT Super Air Jet
PT Sinergi Adi Utama 1,478,942 1,818,154 PT Sinergi Adi Utama
64
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
PT Pertamina EP - TAC PT Pertamina EP - TAC
Pertalahan Arnebatara Natuna 1,442,722 1,472,201 Pertalahan Arnebatara Natuna
PT Fistlight Indonesia 1,383,612 3,392,056 PT Fistlight Indonesia
PT Antara Intermediary Indonesia 1,368,759 1,187,258 PT Antara Intermediary Indonesia
PT Menzies Aviation Indonesia 1,302,513 1,329,128 PT Menzies Aviation Indonesia
Minarak Brantas Gas, INC 1,300,725 1,327,303 Minarak Brantas Gas, INC
PT Mega Central Finance 985,027 2,042,580 PT Mega Central Finance
Mega Auto Finance 984,793 1,090,401 Mega Auto Finance
PT Indo Lautan Energi 578,848 1,099,688 PT Indo Lautan Energi
Chevron Makassar Ltd 455,367 1,262,393 Chevron Makassar Ltd
PT Tri Wahana Universal 18,740 1,274,300 PT Tri Wahana Universal
Pialang Asuransi Indotekno 1,761 1,528,959 Pialang Asuransi Indotekno
PT Zhejiang Tenaga PT Zhejiang Tenaga
Pembangunan Indonesia -- 2,131,393 Pembangunan Indonesia
PT Dok Bahari Nusantara -- 111,954,300 PT Dok Bahari Nusantara
PT AA Pialang Asuransi -- 50,852,667 PT AA Pialang Asuransi
Anugerah Atma Adiguna -- 9,682,780 Anugerah Atma Adiguna
PT Jawa Satu Regas -- 3,362,676 PT Jawa Satu Regas
CV Kia -- 3,150,000 CV Kia
PT Fokus Solusi Proteksi -- 1,437,597 PT Fokus Solusi Proteksi
Chevron Ganal Ltd -- 1,006,995 Chevron Ganal Ltd
Lainnya (dibawah 1.000.000) 59,684,859 143,967,359 Others (below 1,000,000)
Sub-jumlah 937,148,957 1,384,950,825 Sub-total
Jumlah Perseroan 1,583,463,545 1,735,237,405 Total The Company
Dikurangi penyisihan Less allowance
kerugian penurunan nilai (41,085,474) (46,451,448) for impairment losses
Jumlah Perseroan - neto 1,542,378,071 1,688,785,957 Total Company - net
Entitas anak Subsidiaries
Pihak berelasi (catatan 39) 38,572,896 34,008,508 Related parties (note 39)
Pihak ketiga Third parties
PT Marsh Reinsurance PT Marsh Reinsurance
Brokers Indonesia 33,918,620 24,240,411 Brokers Indonesia
AON Reinsurance Solutions Asia 27,668,457 -- AON Reinsurance Solutions Asia
PT Simas Reinsurance Brokers 24,251,932 19,298,395 PT Simas Reinsurance Brokers
PT Trinity Reinsurance Brokers 16,149,747 12,705,031 PT Trinity Reinsurance Brokers
PT Asuransi Wahana Tata 13,974,975 13,344,605 PT Asuransi Wahana Tata
PT Asuransi MSIG Indonesia 13,450,852 24,823,534 PT Asuransi MSIG Indonesia
PT Asuransi Central Asia 12,892,568 16,497,572 PT Asuransi Central Asia
PT CBDANH Pialang Reasuransi 11,417,017 11,497,015 PT CBDANH Pialang Reasuransi
PT Reasuransi Nasional Indonesia 8,884,906 9,701,487 PT Reasuransi Nasional Indonesia
PT IBS Reinsurance Brokers 8,625,957 5,100,233 PT IBS Reinsurance Brokers
PT Asuransi Astra Buana 8,445,093 3,329,800 PT Asuransi Astra Buana
PT AXA Financial Indonesia 7,775,529 7,807,875 PT AXA Financial Indonesia
PT Lippo General Insurance Tbk 7,581,578 6,994,933 PT Lippo General Insurance Tbk
PT Willis Reinsurance Brokers Indonesia 6,743,658 1,328,455 PT Willis Reinsurance Brokers Indonesia
PT Maskapai Reasuransi Indonesia Tbk 6,451,790 39,118,808 PT Maskapai Reasuransi Indonesia Tbk
PT Asia Reinsurance Brokers Indonesia 5,805,572 -- PT Asuransi Jiwa Inhealth Indonesia
PT Asuransi Jiwa Nasional 5,574,068 24,693,026 PT Asuransi Jiwa Nasional
PT Aon Reinsurance Brokers Indonesia 5,483,070 13,801,110 PT Aon Reinsurance Brokers Indonesia
Minkfair Insurance Brokers Limited 4,012,019 -- Minkfair Insurance Brokers Limited
PT Asuransi Ramayana Tbk 3,772,249 1,061,322 PT Asuransi Ramayana Tbk
China Taiping China Taiping
Insurance (HK) Company Ltd 3,648,334 4,693,992 Insurance (HK) Company Ltd
65
Page 553
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
PT Zurich Asuransi Indonesia 3,328,355 2,980,402 PT Zurich Asuransi Indonesia
SeaQuest Intermediaries (L) Ltd 3,221,183 3,002,450 SeaQuest Intermediaries (L) Ltd
PT Adhi Lintas Tanase 2,799,540 3,425,168 PT Adhi Lintas Tanase
PT Asuransi Etiqa PT Asuransi Etiqa
Internasional Indonesia 2,644,397 2,436,153 Internasional Indonesia
PT Asuransi Rama Satria Wibawa 2,598,309 2,808,991 PT Asuransi Rama Satria Wibawa
PT Asuransi Intra Asia 2,431,663 2,643,638 PT Asuransi Intra Asia
Homcheong Insurance Brokers Limited 1,534,089 -- Homcheong Insurance Brokers Limited
Willis Insurance Brokers Co. Ltd 642,277 30,362,961 Willis Insurance Brokers Co. Ltd
PT Asuransi Tri Pakarta -- 3,070,074 PT Asuransi Tri Pakarta
PT Asuransi FPG Indonesia -- 2,231,039 PT Asuransi FPG Indonesia
PT Asuransi Jiwa Generali Indonesia -- 1,964,061 PT Asuransi Jiwa Generali Indonesia
PT. Esa Bina Sejati -- 1,806,169 PT. Esa Bina Sejati
PT Jaya Proteksindo Sakti Reinsurance -- 1,590,074 PT Jaya Proteksindo Sakti Reinsurance
PT Prima Perkasa Raya -- 1,160,690 PT Prima Perkasa Raya
PT Mega Jasa Reinsurance Brokers -- 979,057 PT Mega Jasa Reinsurance Brokers
UIB Asia Reinsurance Brokers Pte Ltd -- 700,976 UIB Asia Reinsurance Brokers Pte Ltd
JB Boda & Co (S) Pte.Ltd. - Singapore -- 522,371 JB Boda & Co (S) Pte.Ltd. - Singapore
PT Asuransi Cakrawala PT Asuransi Cakrawala
Proteksi Indonesia -- 273,485 Proteksi Indonesia
Willis Hong Kong Ltd -- 175,470 Willis Hong Kong Ltd
Century Insurance Brokers Company Ltd -- 29,468,163 Century Insurance Brokers Company Ltd
Guy Carpenter & Co Ltd -- 16,818,751 Guy Carpenter & Co Ltd
Arthur J Gallagher & Co. -- 5,877,943 Arthur J Gallagher & Co.
Lch Lockton Pte Ltd -- 5,542,166 Lch Lockton Pte Ltd
PT Asuransi Dayin Mitra Tbk -- 4,473,375 PT Asuransi Dayin Mitra Tbk
PT Sun Life Financial Indonesia 1,292,515 PT Sun Life Financial Indonesia
PT IBU Reinsurance Broker Utama -- 2,134,286 PT IBU Reinsurance Broker Utama
Lainnya (dibawah 1.000.000) 58,786,309 28,121,646 Others (below 1,000,000)
Sub-jumlah 314,514,113 395,899,678 Sub-total
Jumlah entitas anak 353,087,009 429,908,186 Total subsidiaries
Dikurangi penyisihan Less allowance
kerugian penurunan nilai (36,434,300) (43,359,647) for impairment losses
Jumlah entitas anak - neto 316,652,709 386,548,539 Total subsidiaries - net
Jumlah - neto 1,859,030,780 2,075,334,496 Total - net
Saldo piutang kontribusi pada 31 Desember As of December 31, 2023 and 2022,
2023 dan 2022, pada Unit Bisnis Syariah contribution receivables in Sharia Business
masing-masing adalah sebesar Unit amounted to Rp14,360,326 and
Rp14.360.326 dan Rp8.356.835 (Catatan Rp8,356,835, respectively (Note 44).
44).
Rincian piutang premi dan sesi berdasarkan The premium and cession receivables based
jenis asuransi adalah sebagai berikut: on class of business are as follows:
66
Page 554
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
Perseroan The Company
Piutang Premi Premium Receivables
Penerbangan 394,485,490 725,218,640 Aviation
Kebakaran 451,565,065 310,572,652 Fire
Pengangkutan 134,873,963 197,965,549 Marine Cargo
Offshore 83,488,202 116,155,200 Offshore
Rekayasa 282,537,353 114,427,687 Engineering
Lainnya 236,513,472 270,897,677 Miscellaneous
Sub-jumlah - Perseroan 1,583,463,545 1,735,237,405 Sub-total
Penyisihan kerugian penurunan nilai (41,085,474) (46,451,448) Allowance for impairment losses
Sub-jumlah - Perseroan, neto 1,542,378,071 1,688,785,957 Sub total - The Company, net
Entitas anak Subsidiaries
Piutang Sesi Cession Receivables
Kebakaran 177,600,948 176,156,982 Fire
Rekayasa 29,863,803 37,603,951 Engineering
Penerbangan 27,968,112 27,168,199 Aviation
Pengangkutan 23,438,600 21,436,165 Marine Cargo
Lainnya 94,215,546 167,542,889 Miscellaneous
Sub-jumlah - entitas anak 353,087,009 429,908,186 Sub-total
Penyisihan kerugian penurunan nilai (36,434,300) (43,359,647) Allowance for impairment losses
Sub-jumlah - entitas anak, neto 316,652,709 386,548,539 Sub total - subsidiaries, net
Jumlah piutang premi dan Total premium and cession
sesi, neto 1,859,030,780 2,075,334,496 receivables, net
Piutang premi dan sesi berdasarkan mata The premium and cession receivables based
uang adalah sebagai berikut: on currencies are as follows:
2023 2022
Rp Rp
Perseroan The Company
Piutang Premi Premium Receivables
Dolar Amerika Serikat 1,248,377,948 1,282,228,512 United States Dollar
Rupiah 332,901,317 450,836,437 Rupiah
Dolar Singapura 1,997,944 1,320,280 Singapore dollar
Euro 118,542 729,679 Euro
Yen Jepang 22,669 42,530 Japanese Yen
Mata uang lain 45,125 79,967 Other currencies
Sub-jumlah - Perseroan 1,583,463,545 1,735,237,405 Sub total - The Company
Penyisihan kerugian penurunan nilai (41,085,474) (46,451,448) Allowance for impairment losses
Sub-jumlah - Perseroan, neto 1,542,378,071 1,688,785,957 Sub total - The Company, net
Entitas anak Subsidiaries
Piutang Sesi Cession Receivables
Dolar Amerika Serikat 228,463,937 252,747,276 United States Dollar
Rupiah 95,048,737 172,661,182 Rupiah
Dolar Hong Kong 12,099,146 -- Hong Kong dollar
Mata uang lain 17,475,189 4,499,728 Other currencies
Sub jumlah - entitas anak 353,087,009 429,908,186 Sub total - subsidiaries
Penyisihan kerugian penurunan nilai (36,434,300) (43,359,647) Allowance for impairment losses
Sub-jumlah - entitas anak, neto 316,652,709 386,548,539 Sub total - subsidiaries, net
Jumlah piutang premi dan Total premium and cession
sesi, neto 1,859,030,780 2,075,334,496 receivables, net
67
Page 555
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Rincian piutang premi dan sesi berdasarkan The details of premium and cession
umur piutang adalah sebagai berikut: receivables based on aging are as follows:
2023 2022
Rp Rp
Perseroan The Company
Piutang Premi Premium Receivables
Belum jatuh tempo 1,305,244,984 1,313,683,025 Current-not due
Telah jatuh tempo: Past due:
Kurang dari 90 hari 187,036,006 166,035,704 Less than 90 days
90-180 hari 42,762,018 80,643,057 90-180 days
181-360 hari 14,846,126 33,393,786 181-360 days
Lebih dari 360 hari 33,574,411 141,481,833 More than 360 days
Sub-jumlah - Perseroan 1,583,463,545 1,735,237,405 Sub total - The Company
Penyisihan kerugian penurunan nilai (41,085,474) (46,451,448) Allowance for impairment losses
Sub-jumlah - Perseroan, neto 1,542,378,071 1,688,785,957 Sub total - The Company, net
Entitas anak Subsidiaries
Piutang Sesi Cession Receivables
Belum jatuh tempo 191,777,290 278,613,064 Current-not due
Telah jatuh tempo: Past due:
Kurang dari 90 hari 68,732,343 32,428,114 Less than 90 days
90-180 hari 30,603,290 28,433,448 90-180 days
181-360 hari 17,273,115 4,826,512 181-360 days
Lebih dari 360 hari 44,700,971 85,607,048 More than 360 days
Sub-jumlah - entitas anak 353,087,009 429,908,186 Sub total - subsidiaries
Penyisihan kerugian penurunan nilai (36,434,300) (43,359,647) Allowance for impairment losses
Sub-jumlah - entitas anak, neto 316,652,709 386,548,539 Sub total - subsidiaries, net
Jumlah piutang premi dan Total premium and cession
sesi, neto 1,859,030,780 2,075,334,496 receivables, net
Perubahan penyisihan kerugian penurunan Changes in the allowance for impairment
nilai adalah sebagai berikut: losses are as follows:
2023 2022
Rp Rp
Perseroan The Company
Piutang Premi Premium Receivables
Saldo awal tahun (46,451,448) (69,793,231) Balance at beginning year
Pemulihan 32,547,999 30,639,977 Recovery
Penambahan (27,182,025) (7,298,194) Addition
Saldo akhir tahun Balance at end of year
- Perseroan (41,085,474) (46,451,448) - the Company
Entitas anak Subsidiaries
Piutang Premi dan Sesi Cession and Premium Receivables
Saldo awal tahun (43,359,647) (36,173,442) Balance at beginning year
Pemulihan 6,925,347 444,695 Recovery
Penambahan -- (5,143,394) Addition
Dampak revaluasi mata uang -- (2,487,506) Effect of exchange rate revaluation
Saldo akhir tahun Balance at end of year
- entitas anak (36,434,300) (43,359,647) - subsidiaries
Jumlah akhir tahun (77,519,774) (89,811,095) 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
68
Page 556
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Manajemen Grup berpendapat bahwa year, the Group management believes that
jumlah penyisihan kerugian penurunan nilai the allowance for impairment losses is
yang dibentuk cukup untuk menutupi adequate to cover for possible losses that
kemungkinan kerugian yang mungkin timbul may arise from uncollectible premium and
atas tidak tertagihnya piutang premi dan cession 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:
2023 2022
Rp Rp
Pihak berelasi (catatan 39) 143,420,266 54,600,728 Related parties (note 39)
Pihak ketiga Third parties
PT Marsh Indonesia 193,110,314 62,850,831 PT Marsh Indonesia
PT Asuransi Ramayana 48,986,600 2,711,493 PT Asuransi Ramayana
PT Asuransi Central Asia 11,343,815 373,084 PT Asuransi Central Asia
PT Citra International Underwriters 8,274,093 8,416,443 PT Citra International Underwriters
PT Mitra Iswara & Rorimpandey 4,536,684 603,593 PT Mitra Iswara & Rorimpandey
PT Kalibesar Raya Utama 3,101,416 3,117,266 PT Kalibesar Raya Utama
PT Talisman Insurance Brokers 2,559,370 1,905,410 PT Talisman Insurance Brokers
PT Asuransi Wahana Tata 1,982,510 2,451,524 PT Asuransi Wahana Tata
PT Asuransi Adira Dinamika Tbk 922,164 -- PT Asuransi Adira Dinamika Tbk
PT AON Indonesia 810,452 1,930,578 PT Aon Indonesia
PT Sedana Pasifik Servistama 624,083 923,228 PT Sedana Pasifik Servistama
PT AA Pialang Asuransi 247,294 -- PT AA Pialang Asuransi
Lainnya (dibawah 1.000.000) 19,452,285 20,825,071 Others (below 1,000,000)
Jumlah pihak ketiga 295,951,080 106,108,521 Total subsidiaries
Jumlah 439,371,346 160,709,249 Total
Dikurangi penyisihan Less allowance
kerugian penurunan nilai (16,492,422) (31,728,139) for impairment losses
Jumlah - neto 422,878,924 128,981,110 Total - net
Piutang koasuransi berdasarkan mata uang The coinsurance receivables based on
adalah sebagai berikut: currencies are as follows:
2023 2022
Rp Rp
Piutang Koasuransi Coinsurance Receivables
Dolar Amerika Serikat 415,404,349 131,134,908 United States Dollar
Rupiah 23,603,541 29,552,897 Rupiah
Dolar Singapura 313,024 -- Singapore dollar
Euro 358 -- Euro
Yen Jepang -- 3,006 Japanese Yen
Mata uang lain 50,074 18,438 Other currencies
Sub-jumlah 439,371,346 160,709,249 Sub-total
Penyisihan kerugian penurunan nilai (16,492,422) (31,728,139) Allowance for impairment losses
Jumlah piutang Total coinsurance
koasuransi - neto 422,878,924 128,981,110 receivable - net
69
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Rincian piutang koasuransi berdasarkan Details of coinsurance receivables based on
jenis asuransi adalah sebagai berikut: class of business are as follows:
2023 2022
Rp Rp
Kebakaran 386,934,946 18,065,964 Fire
Offshore 29,980,028 43,102,373 Offshore
Rekayasa 5,484,126 9,348,143 Engineering
Penerbangan 756,848 340,105 Aviation
Pengangkutan 509,879 581,071 Marine Cargo
Lainnya 15,705,519 89,271,593 Miscellaneous
Jumlah 439,371,346 160,709,249 Total
Dikurangi penyisihan kerugian Less allowance for
penurunan nilai (16,492,422) (31,728,139) impairment losses
Jumlah piutang Total coinsurance
koasuransi - neto 422,878,924 128,981,110 receivable - net
Rincian piutang koasuransi berdasarkan The details of coinsurance receivables based
umur piutang adalah sebagai berikut: on aging are as follows:
2023 2022
Rp Rp
Belum jatuh tempo 243,573,301 79,352,906 Current-not due
Telah jatuh tempo: Past due:
Kurang dari 90 hari 147,767,760 9,310,813 Less than 90 days
90-180 hari 20,459,949 5,536,496 90-180 days
181-360 hari 7,146,742 11,720,660 181-360 days
Lebih dari 360 hari 20,423,594 54,788,374 More than 360 days
Jumlah 439,371,346 160,709,249 Total
Dikurangi penyisihan kerugian Less allowance for
penurunan nilai (16,492,422) (31,728,139) impairment losses
Jumlah piutang Total coinsurance
koasuransi - neto 422,878,924 128,981,110 receivable - net
Perubahan penyisihan kerugian penurunan Changes in the allowance for impairment
nilai adalah sebagai berikut: losses are as follows:
2023 2022
Rp Rp
Saldo awal tahun (31,728,139) (30,481,444) Balance at beginning year
Pemulihan 16,923,066 -- Reversal
Penambahan (1,687,349) (1,246,695) Additions
Saldo akhir tahun (16,492,422) (31,728,139) 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 for possible losses that may arise
kemungkinan kerugian yang mungkin timbul from uncollectible coinsurance receivables.
atas tidak tertagihnya piutang koasuransi.
70
Page 558
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
8. Piutang Reasuransi Dan Retrosesi 8. Reinsurance And Retrocession
Receivables
2023 2022
Rp Rp
Perseroan The Company
Pihak berelasi (catatan 39) 208,845,667 98,726,932 Related parties (note 39)
Pihak ketiga Third parties
PT JLT Reinsurance Brokers 72,825,977 7,607,200 PT JLT Reinsurance Brokers
Arthur J Gallagher (UK) Ltd 40,540,674 38,258,073 Arthur J Gallagher (UK) Ltd
Willis Ltd 26,240,024 11,386,607 Willis Ltd
PT Marsh Reinsurance PT Marsh Reinsurance
Brokers Indonesia 6,708,072 59,904,734 Brokers Indonesia
Marsh Ltd 6,667,328 4,141,125 Marsh Ltd
PT Asuransi Central Asia 5,076,578 5,076,578 PT Asuransi Central Asia
BEST Reinsurance 4,872,090 3,053,322 BEST Reinsurance
PT Trinityre 3,933,105 2,071,059 PT Trinityre
PT Chubb General Insurance Indonesia 3,629,959 3,488,841 PT Chubb General Insurance Indonesia
PT Staco Jasa Pratama 2,768,140 1,782,176 PT Staco Jasa Pratama
Munichre Service Limited 1,937,753 85,077,649 Munichre Service Limited
PT AIG Insurance Indonesia -- 27,954,474 PT AIG Insurance Indonesia
Asia Capital Reinsurance Group Pte Ltd -- 5,739,960 Asia Capital Reinsurance Group Pte Ltd
Lainnya (dibawah 1.000.000) 114,970,656 4,626,187 Others (below 1,000,000)
Sub-jumlah 290,170,356 260,167,985 Sub-total
Jumlah Perseroan 499,016,023 358,894,917 Total The Company
Dikurangi penyisihan Less allowance
kerugian penurunan nilai (69,643,027) (54,312,054) for impairment losses
Jumlah Perseroan - neto 429,372,996 304,582,863 Total Company - net
Entitas anak Subsidiaries
Pihak berelasi (catatan 39) 6,157,071 3,884,885 Related parties (note 39)
Pihak ketiga Third parties
Guy Carpenter & Company, LLC 51,131,776 30,046,540 Guy Carpenter & Company, LLC
AM Trust Europe Limited 46,377,843 -- AM Trust Europe Limited
Samsung Fire & Marine Insurance CoLtd 13,423,355 -- Samsung Fire & Marine Insurance CoLtd
Hannover Ruck - Malaysia 12,711,609 -- Hannover Ruck - Malaysia
Asia Reinsurance Brokers Pte Ltd 10,421,082 26,361,535 Asia Reinsurance Brokers Pte Ltd
Marsh Reinsurance Brokers 5,894,571 13,523,946 Marsh Reinsurance Brokers
AON Reinsurance Solutions Asia Pte Ltd 2,950,530 12,040,581 AON Reinsurance Solutions Asia Pte Ltd
Trinity Reinsurance Brokers Ltd -- 8,813,715 Trinity Reinsurance Brokers Ltd
Willis Towers Watson 4,333,732 4,784,067 Willis Towers Watson
Brokers Pvt Ltd -- 2,293,750 Brokers Pvt Ltd
Lainnya (dibawah 1.000.000) 102,755,617 12,946,091 Others (below 1,000,000)
Sub-jumlah 250,000,115 110,810,225 Sub-total
Jumlah entitas anak 256,157,186 114,695,110 Total subsidiaries
Dikurangi penyisihan Less allowance
kerugian penurunan nilai (29,936,148) (31,385,852) for impairment losses
Jumlah entitas anak - neto 226,221,038 83,309,258 Total subsidiaries - net
Jumlah - neto 655,594,034 387,892,121 Total - net
Saldo piutang reasuransi pada 31 Desember As of December 31, 2023 and 2022,
2023 dan 2022, pada Unit Bisnis Syariah reinsurance receivables in Sharia Business
masing-masing adalah sebesar Rp8.558.954 Unit amounted to Rp8,558,954 and Rp52,832
dan Rp52.832 (Catatan 44). respectively (Note 44).
71
Page 559
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Piutang reasuransi dan retrosesi The reinsurance and retrocession receivables
berdasarkan mata uang adalah sebagai based on currencies are as follows:
berikut:
2023 2022
Rp Rp
Perseroan The Company
Piutang reasuransi Reinsurance receivables
Dolar Amerika Serikat 409,598,453 285,983,735 United States Dollar
Rupiah 59,473,524 56,006,127 Rupiah
Dolar Hong Kong 29,534 47,043 Hong Kong Dollar
Mata uang lainnya 29,914,512 16,858,012 Other currencies
Sub-Jumlah 499,016,023 358,894,917 Sub-total
Penyisihan kerugian penurunan nilai (69,643,027) (54,312,054) Allowance for impairment losses
Sub-jumlah - Perseroan, neto 429,372,996 304,582,863 Sub total - the Company, net
Entitas anak Subsidiaries
Piutang reasuransi Reinsurance and
dan retrosesi retrocession receivables
Dolar Amerika Serikat 165,894,653 80,403,912 United States Dollar
Rupiah 78,983,627 34,063,372 Rupiah
Dolar Hongkong 7,905,491 - Hongkong Dollar
Mata uang lainnya 3,373,415 227,826 Other currencies
Jumlah 256,157,186 114,695,110 Sub-total
Penyisihan kerugian penurunan nilai (29,936,148) (31,385,852) Allowance for impairment losses
Sub-jumlah - entitas anak, neto 226,221,038 83,309,258 Sub total - subsidiaries, net
Jumlah piutang reasuransi dan Total reinsurance and
retrosesi, neto 655,594,034 387,892,121 retrocession receivables, net
Rincian piutang reasuransi dan retrosesi Details of reinsurance and retrocession
berdasarkan umur piutang adalah sebagai receivable based on aging receivable are as
berikut: follow:
2023 2022
Rp Rp
Perseroan The Company
Piutang reasuransi Reinsurance receivables
Belum jatuh tempo 7,945,224 10,695,059 Current-not due
Telah jatuh tempo: Past due:
Kurang dari 90 hari 227,472,168 193,100,071 Less than 90 days
90-180 hari 89,517,275 11,478,828 90-180 days
181-360 hari 25,679,606 3,964,204 181-360 days
Lebih dari 360 hari 148,401,750 139,656,755 More than 360 days
Jumlah 499,016,023 358,894,917 Total
Penyisihan kerugian penurunan nilai (69,643,027) (54,312,054) Allowance for impairment losses
Total piutang reasuransi Total reinsurance receivables
- Perseroan, neto 429,372,996 304,582,863 - the Company, net
72
Page 560
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
Entitas anak Subsidiaries
Piutang retrosesi Retrocession receivables
Belum jatuh tempo 97,349,162 106,180,406 Current-not due
Telah jatuh tempo: Past due:
Kurang dari 90 hari 68,830,777 (64,942,584) Less than 90 days
90-180 hari 17,582,905 3,231,465 90-180 days
181-360 hari 1,698,760 15,094,508 181-360 days
Lebih dari 360 hari 70,695,582 55,131,315 More than 360 days
Jumlah 256,157,186 114,695,110 Total
Penyisihan kerugian penurunan nilai (29,936,148) (31,385,852) Allowance for impairment losses
Total piutang reasuransi Total reinsurance receivables
- entitas anak, neto 226,221,038 83,309,258 - subsidiaries, net
Jumlah piutang reasuransi Total reinsurance and
dan retrosesi, neto 655,594,034 387,892,121 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:
2023 2022
Rp Rp
Perseroan The Company
Piutang reasuransi Reinsurance receivables
Saldo awal tahun (54,312,054) (61,931,442) Beginning balance of year
Penambahan (32,301,920) -- Additional
Pemulihan 16,970,947 7,619,388 Recovery
Saldo akhir tahun - Balance at end of year -
Perseroan (69,643,027) (54,312,054) the Company
Entitas anak Subsidiaries
Piutang retrosesi Retrocession receivables
Saldo awal tahun (31,385,852) (28,057,537) Beginning balance of year
Penambahan -- (935,489) Additional
Dampak revaluasi mata uang asing -- (2,471,481) Effect of exchange rate revaluation
Pemulihan 1,449,704 78,655 Recovery
Saldo akhir tahun - Balance at end of year -
entitas anak (29,936,148) (31,385,852) subsidiaries
Jumlah akhir tahun (99,579,175) (85,697,906) 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
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.
73
Page 561
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
9. Aset Lain-Lain 9. Other Assets
2023 2022
Rp Rp
Beban komisi ditangguhkan 212,627,367 183,082,269 Deferred acquisition cost
Dana jaminan 146,269,248 141,696,471 Restricted fund
Aset reasuransi syariah 6,284,666 6,008,145 Syariah reinsurance asset
Persediaan 5,758,168 5,863,419 Inventory
Sertifikat keanggotaan golf 4,037,495 5,441,437 Golf certificate membership
Beban ditangguhkan 1,461,813 1,959,003 Deferred acquisition cost
Perlengkapan kantor 8,265 1,122,370 Office supplies
Lainnya (masing-masing di bawah Others (each below
5.000.000) 86,592 25,367,637 5,000,000)
Jumlah 376,533,614 370,540,751 Total
Dikurangi: Less:
Penyisihan kerugian penurunan Allowance for impairment
nilai (2,234,575) (4,520,117) losses
Jumlah - neto 374,299,039 366,020,634 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:
2023 2022
Rp Rp
Saldo awal tahun (4,520,117) (2,810,969) Balance at beginning year
Pengurangan 4,520,117 -- Recovery
Penambahan (2,234,575) (1,709,148) Addition
Saldo akhir tahun (2,234,575) (4,520,117) Balance at end year
Saldo bagi hasil yang masih harus diterima As of December 31, 2023 and 2022, ujroh
oleh dana ujroh pada 31 Desember 2023 revenue share receivables in Sharia Business
dan 2022, pada Unit Bisnis Syariah masing- Unit amounted to Rp1,843,951 and
masing adalah sebesar Rp1.843.951 dan Rp876,896 respectively.
Rp876.896.
Aset reasuransi pada 31 Desember 2023 As of December 31, 2023 and 2022,
dan 2022, pada Unit Bisnis Syariah masing- reinsurance assets in Sharia Business Unit
masing adalah sebesar Rp6.284.666 dan amounted to Rp6,284,666 dan Rp6,008,145
Rp6.008.145 (Catatan 44). respectively (Note 44).
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, time
deposito berjangka Perseroan yang deposits of the Company which amount to
ditempatkan sebesar Rp98.276.759 dan Rp98,276,759 and Rp94,643,536
Rp94.643.536 digunakan sebagai dana respectively, are used as guarantee for
jaminan yang dibentuk untuk kepentingan business agreement. Includes in others there
perjanjian bisnis. Termasuk di dalam lainnya are, salvage collateral.
terdapat jaminan salvage.
74
Page 562
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 2023 dan 2022 December 31, 2023 and 2022
(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, 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
31 Desember/December 31, 2022
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 695,014,591 -- -- -- 1,782,059 -- 696,796,650 Land
Gedung kantor 150,366,665 17,069,930 -- 48,346,195 918,753 2,009,310 218,710,853 Office buildings
Kendaraan bermotor 501,538,075 196,270,163 -- (62,300,931) -- -- 635,507,307 Motor vehicles
Meubel dan perabot Kantor 63,695,623 4,998,070 (16,187) 8,860,901 -- 10,067 77,548,474 Office furniture and fixtures
Mesin dan peralatan Kantor 28,306,912 2,321,148 (4,066,938) 130,582 -- 610,217 27,301,921 Office machines and equipment
Peralatan komputer 70,514,638 5,171,358 (23,250) 135,822 -- 81,683 75,880,251 Computer
Aset dalam penyelesaian 75,041,730 37,903,157 (92,800) (75,801,501) -- -- 37,050,586 Construction in progress
Sewa guna usaha Kendaraan 56,621,529 -- -- (49,279,804) -- -- 7,341,725 Leased asset vehicle
Total 1,641,099,763 263,733,826 (4,199,175) (129,908,736) 2,700,812 2,711,277 1,776,137,767 Total
Akumulasi penyusutan Accumulated depreciation
Gedung kantor 71,060,913 64,382,180 -- (2,684,452) (121,528,363) 80,372 11,310,650 Office building
Kendaraan bermotor 147,034,993 51,288,057 -- (36,693,409) -- -- 161,629,641 Motor vehicles
Meubel dan perabot Kantor 55,388,327 12,663,261 (16,187) -- -- 3,216 68,038,617 Office furniture and fixtures
Mesin dan peralatan Kantor 25,897,950 1,399,014 (4,059,182) -- -- 524,371 23,762,153 Office machines and equipment
Peralatan komputer 60,978,871 5,530,140 (8,519) -- -- 22,222 66,522,714 Computer
Sewa guna usaha Kendaraan 22,668,453 6,854,255 (58) (28,043,102) -- -- 1,479,548 Leased asset vehicle
Total 383,029,507 142,116,907 (4,083,946) (67,420,963) (121,528,363) 630,181 332,743,323 Total
Nilai buku neto 1,258,070,256 121,616,919 (115,229) (62,487,773) 124,229,175 2,081,096 1,443,394,444 Net book value
Seluruh beban penyusutan dicatat sebagai All depreciation expense is recorded as
beban usaha. operating expense.
Rincian dari keuntungan/kerugian penjualan The details of gains on disposal of fixed
aset tetap adalah sebagai berikut: assets are as follows:
2023 2022
Rp Rp
Penerimaan dari penjualan 21,331 10,187 Proceeds from disposals
Nilai buku neto 14,774 7,755 Net book value
Laba (rugi) penjualan Gain (loss) on disposal
aset tetap 6,557 2,432 of fixed assets
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022 the cost
biaya perolehan aset tetap yang telah of fixed assets which have been fully
disusutkan penuh tetapi masih digunakan depreciated but still being used amounted to
masing-masing sebesar Rp206.092.094 dan Rp206,092,094 and Rp130,624,411,
Rp130.624.411. respectively.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, 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.
75
Page 563
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tanggal 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022, fixed
aset tetap yang diasuransikan terhadap assets are covered by insurance against
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 Rp931,542,546 and Rp1,063,145,290,
pertanggungan masing-masing sebesar respectively, which, in the Group
Rp931.542.546 dan Rp1.063.145.290 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 2023 dan 2022 buildings as of December 31, 2023 and 2022
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 dan Kantor Jasa Penilai Safrudin and Rekan and Registered Public
Publik (KJPP) Antonius Setiady dan Rekan, Appraisers (KJPP) Antonius Setiady dan
penilai independen. Rekan, an independent appraiser.
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 increment 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 comprehensive income in the consolidated
dan penghasilan komprehensif lain statements of profit or loss and other
konsolidasian adalah sebagai berikut: comprehensive income are below:
2023 2022
Rp Rp
Dampak revaluasi aset tetap 13,793,037 124,229,175 Effect of revaluation fixed assets
Dampak revaluasi yang Impact of revaluation
diatribusikan kepada non pengendali -- (331,312) attributable to non-controling interest
Dampak revaluasi yang Impact of revaluation
diatribusikan kepada pengendali 13,793,037 124,560,487 attributable to controling interest
Saldo awal 2,013,558,080 1,888,997,593 Begining balance
Saldo akhir 2,027,351,117 2,013,558,080 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.
76
Page 564
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 2023 dan 2022 December 31, 2023 and 2022
(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/
31 Desember/ Penambahan/ Pengurangan/ Exchange 31 Desember/
December 31, 2022 Additions Deductions Alignment December 31, 2023
Biaya Perolehan At cost
Properti 27,758,974 8,102,333 (322,800) (390,301) 35,148,206 Property
Jumlah 27,758,974 8,102,333 (322,800) (390,301) 35,148,206 Total
Akumulasi amortisasi Accumulated amortization
(catatan 35 dan 36) (notes 35 dan 36)
Properti (19,218,807) (6,230,365) 322,800 335,759 (24,790,613) Property
Jumlah (19,218,807) (6,230,365) 322,800 335,759 (24,790,613) Total
Nilai tercatat 8,540,167 10,357,593 Net carrying amount
Selisih kurs/
31 Desember/ Penambahan/ Pengurangan/ Exchange 31 Desember/
December 31, 2021 Additions Deductions Alignment December 31, 2022
Biaya Perolehan At cost
Properti 26,355,835 4,408,183 (5,456,873) 2,451,829 27,758,974 Property
Jumlah 26,355,835 4,408,183 (5,456,873) 2,451,829 27,758,974 Total
Akumulasi amortisasi Accumulated amortization
Properti (16,306,020) (7,161,511) 5,456,873 (1,208,149) (19,218,807) Property
Jumlah (16,306,020) (7,161,511) 5,456,873 (1,208,149) (19,218,807) Total
Nilai tercatat 10,049,815 8,540,167 Net carrying amount
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 6,230,365 206,977 -- Property
Lainnya -- -- 185,274 Others
Jumlah 6,230,365 206,977 185,274 Total
31 Desember/December 31, 2022
Beban terkait sewa
atas asset bernilai
Beban amortisasi/ Beban bunga/ rendah/Expenses
Amortization Interest relating to leases
expenses expenses of low value assets
Properti 7,161,511 215,856 -- Property
Kendaraan -- 35,356 -- Vehicles
Lainnya -- -- 3,520,148 Others
Jumlah 7,161,511 251,212 3,520,148 Total
b. Liabilitas sewa c. Lease liabilities
31 Desember/ Beban bunga/ Selisih kurs/ 31 Desember/
December 31, Penambahan/ Interest Exchange Pembayaran/ December 31,
2022 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
31 Desember/ Beban bunga/ Selisih kurs/ 31 Desember/
December 31, Penambahan/ Interest Exchange Pembayaran/ December 31,
2021 Additions expenses alignment Payments 2022
Harga perolehan Cost
Properti 6,444,259 -- 215,856 624,396 (4,366,727) 2,917,784 Property
Kendaraan 405,875 -- 35,356 -- (441,231) -- Vehicles
Jumlah 6,850,134 -- 251,212 624,396 (4,807,958) 2,917,784 Total
77
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 2023 dan 2022 December 31, 2023 and 2022
(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:
2023 2022
Rp Rp
Jangka pendek 3,335,954 2,823,073 Current portion
Jangka panjang 2,858,739 94,711 Non-current portion
Jumlah 6,194,693 2,917,784 Total
12. Aset Takberwujud, Neto 12. Intangible Assets, Net
Aset takberwujud terdiri dari beban Intangible assets consist of deferred renewal
pembaharuan hak guna atas tanah dan cost for land and building use rights which
bangunan yang ditangguhkan yang dimiliki belong to TIC and PMS (subsidiaries).
oleh TIC dan PMS (entitas anak).
2023 2022
Rp Rp
Biaya perolehan 154,722,613 76,025,231 Cost
Akumulasi amortisasi (41,302,182) (40,456,530) Accumulated amortization
Nilai buku neto 113,420,431 35,568,701 Net book value
TIC TIC
Hak guna atas tanah TIC berlokasi di Hong The rights to use land of TIC is located in
Kong, berjangka waktu antara 60-70 tahun Hong Kong, with terms ranging between 60-
dengan jatuh tempo antara tahun 2049 dan 70 years and expiring between 2049 and
2060. Pada 5 Februari 2020, hak guna atas 2060. On February 5, 2020, the right to use
tanah telah dijual. Pada tahun 2023, aset tak land of TIC has been sold. In 2023, the
berwujud yang dimiliki oleh TIC berupa intangible assets owned by TIC will be
software computer. computer software.
Beban amortisasi software komputer adalah The computer software amortisation expenses
masing-masing sebesar Rp556.810 dan amunted to Rp556,810 and Rp311,442 for the
Rp311.442 untuk tahun yang berakhir pada years ended December 31, 2023 and 2022,
tanggal 31 Desember 2023 dan 2022 dicatat respectively and was presented as part of
sebagai bagian dari beban penyusutan dan depreciation and amortization expense.
amortisasi.
PMS PMS
Hak guna atas tanah dan bangunan PMS Land and building use rights of PMS are for
adalah Hak Guna Bangunan yang berlokasi The Rights to Use Buildings located in Karet,
di Kelurahan Karet, Kecamatan Setiabudi, Setiabudi, South Jakarta and Jalan Wahid
Jakarta Selatan dan di Jalan Wahid Hasyim, Hasyim, Kebon Sirih Jakarta with remaining
Kebon Sirih Jakarta, dengan sisa jangka terms ranging between 5 and 30 years and
waktu antara 5 dan 30 tahun dan jatuh expiring between 2021 and 2039.
tempo antara tahun 2021 dan 2039.
Untuk tahun 2023, beban amortisasi dicatat For the year 2023, amortization expense’s
sebagai beban usaha lainnya sebesar PMS recorded as part of other operating
Rp522.779 (2022: Rp339.439). expenses amounted to Rp522,779 (2022:
Rp339,439).
78
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
13. Piutang Lain-Lain 13. Other Receivables
2023 2022
Rp Rp
Piutang usaha 107,461,515 126,147,708 Trade receivables
Piutang bunga 103,411,742 40,586,168 Interest receivables
Piutang jasa kendaraan 27,561,479 13,702,501 Vehicle services receivables
Piutang karyawan 15,033,718 21,200,827 Employee receivables
Lain-lain (masing-masing dibawah Others (each below
10.000.000) 19,596,813 20,319,112 10,000,000)
Sub-jumlah 273,065,267 221,956,316 Sub-total
Dikurangi: Less:
Penyisihan kerugian penurunan Allowance for impairment
nilai piutang losses of receivables
- Dari piutang lainnya (4,485,015) (4,993,416) From other receivables -
- Dari piutang usaha (1,783,774) (2,736,031) From trade receivables -
Sub-jumlah (6,268,789) (7,729,447) Sub-total
Jumlah - neto 266,796,478 214,226,869 Total - net
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 for possible losses that may arise
kemungkinan kerugian yang mungkin timbul from uncollectible other receivables.
atas tidak tertagihnya piutang lain-lain.
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:
2023 2022
Rp Rp
Saldo awal tahun (7,729,447) (6,051,535) Balance at beginning year
Penambahan -- (2,106,269) Addition
Pemulihan 1,460,658 428,357 Recovery
Saldo akhir tahun (6,268,789) (7,729,447) 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
2023 2022
Rp Rp
Pihak berelasi (catatan 39) 32,243,894 18,678,186 Related parties (note 39)
Pihak ketiga Third parties
PT AA Pialang Asuransi 233,539,520 -- PT AA Pialang Asuransi
PT Marsh Reinsurance Broker Indonesia 7,602,957 12,825,826 PT Marsh Reinsurance Broker Indonesia
Samsung Fire & Marine Insurance. Co.Ltd 5,542,792 -- Samsung Fire & Marine Insurance. Co.Ltd
JB Boda Viva JB Boda Viva
Indonesia Reinsurance Brokers 4,409,303 9,496,011 Indonesia Reinsurance Brokers
IBU Reinsurance Broker Utama 3,837,073 -- IBU Reinsurance Broker Utama
PT Willis Insurance PT Willis Insurance
Broker Co Tld (Shanghai) 3,132,084 -- Broker Co Tld (Shanghai)
PT Hanofer Indonesia 3,058,986 1,679,165 PT Hanofer Indonesia
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
China Taiping China Taiping
Insurance (HK) Company Ltd 1,711,319 -- Insurance (HK) Company Ltd
PT Asia Reinsurance Brokers Indonesia 1,579,997 2,241,835 PT Asia Reinsurance Brokers Indonesia
PT Asuransi Sinar Mas 1,551,958 1,736,866 PT Asuransi Sinar Mas
PT Asuransi Astra Buana 1,333,791 3,068,394 PT Asuransi Astra Buana
The People's Insurance The People's Insurance
Company Of China (HK), Ltd 1,330,685 -- Company Of China (HK), Ltd
PT Willis Towers Watson PT Willis Towers Watson
Insurance Broker Indonesia 1,277,858 1,668,079 Insurance Broker Indonesia
Igna Asia Reinsurance Brokers 1,163,942 3,053,242 Igna Asia Reinsurance Brokers
Sompo Insurance Indonesia 758,157 3,121,248 Sompo Insurance Indonesia
Century Insurance Brokers Company Ltd -- 13,442,557 Century Insurance Brokers Company Ltd
PT Avrist Assurance -- 8,482,581 PT Avrist Assurance
PT Asuransi Multi Artha Guna -- 3,151,584 PT Asuransi Multi Artha Guna
Equity Life Indonesia -- 2,562,496 Equity Life Indonesia
PT Heksa Solution Insurance -- 2,611,916 PT Heksa Solution Insurance
PT Asuransi Buana Independent -- 2,224,360 PT Asuransi Buana Independent
PT AJ Central Asia Raya -- 2,010,543 PT AJ Central Asia Raya
Taiping Re Brokers -- 1,550,616 Taiping Re Brokers
Lainnya (dibawah 1.000.000) 9,711,984 35,450,245 Others (below 1,000,000)
Jumlah pihak ketiga 281,542,406 110,377,564 Total Third parties
Jumlah 313,786,300 129,055,750 Total
Saldo utang klaim pada 31 Desember 2023 As of December 31, 2023 and 2022, claim
dan 2022, pada Unit Bisnis Syariah masing- payable in Sharia Business Unit amounted to
masing adalah sebesar Rp238.387 dan Rp238,387 and Rp58,916, respectively (Note
Rp58.916 (Catatan 44). 44).
Utang klaim berdasarkan jenis asuransi The claims payables based on class of
adalah sebagai berikut: business are as follows:
2023 2022
Rp Rp
Kebakaran 262,562,712 46,507,060 Fire
Pengangkutan 10,296,977 947,470 Marine Cargo
Rekayasa 3,643,118 387,085 Engineering
Rangka Kapal 1,222,861 12,737,698 Marine Hull
Onshore 308,928 1,087,720 Onshore
Penerbangan 120,868 130,026 Aviation
Offshore 7,417 -- Offshore
Lainnya 35,623,419 67,258,691 Miscellaneous
Jumlah 313,786,300 129,055,750 Total
Utang klaim berdasarkan mata uang adalah The claims payables based on currencies are
sebagai berikut: as follows:
2023 2022
Rp Rp
Dolar Amerika Serikat 257,749,670 32,135,428 United States Dollar
Rupiah 47,173,806 51,941,244 Rupiah
Dolar Hong Kong 1,776,190 1,282,926 Hong Kong Dollar
Dolar Singapura 834,614 380,531 Singapore Dollar
Poundsterling Inggris 108,719 55,912 Great Britain Poundsterling
Mata uang lain 6,143,301 43,259,709 Other currencies
Jumlah 313,786,300 129,055,750 Total
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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 by coinsurer are as
adalah sebagai berikut: follows:
2023 2022
Rp Rp
Pihak berelasi (catatan 39) 32,523,770 19,349,791 Related parties (note 39)
Pihak ketiga Third parties
PT Asuransi Ramayana 19,984,474 9,496,431 PT Asuransi Ramayana
PT Barito Pacific Tbk 9,214,136 9,402,411 PT Barito Pacific Tbk
PT Asuransi Wahana Tata 2,569,347 -- PT Asuransi Wahana Tata
PT Asuransi Chubb Syariah Indonesia 481,161 2,785,812 PT Asuransi Chubb Syariah Indonesia
PT Citra International Underwriters 424,301 432,830 PT Citra International Underwriters
Wilson Re (P&I) Ltd 231,866 236,603 Wilson Re (P&I) Ltd
PT Asuransi Astra Buana 143,173 126,552 PT Asuransi Astra Buana
PT Staco Jasapratama 67,818 141,574 PT Staco Jasapratama
PT Asuransi Mega Paratama 9,206 -- PT Asuransi Mega Paratama
PT Asuransi Multi Artha Guna Tbk 7,133 308,953 PT Asuransi Multi Artha Guna Tbk
PT Asuransi Binagriya Upakara 5,089 441 PT Asuransi Binagriya Upakara
PT Asuransi Adira Dinamika -- 704,384 PT Asuransi Adira Dinamika
PT Asuransi Sinar Mas -- 6,926 PT Asuransi Sinar Mas
PT Asuransi Central Asia -- 43,990 PT Asuransi Central Asia
Lainnya (dibawah 1.000.000) 7,900,752 3,851,251 Others (below 1,000,000)
Jumlah pihak ketiga 41,038,456 27,538,158 Total Third parties
Jumlah 73,562,226 46,887,949 Total
Utang koasuransi berdasarkan jenis asuransi The coinsurance payables based on class of
adalah sebagai berikut: business are as follows:
2023 2022
Rp Rp
Kebakaran 63,822,933 21,491,532 Fire
Rangka kapal 7,807,885 19,989,727 Marine hull
Pengangkutan 285,409 704,002 Marine Cargo
Penerbangan 814,745 396,905 Aviation
Rekayasa 398,230 203,253 Engineering
Offshore 4,428 55,217 Offshore
Lainnya 428,596 4,047,313 Miscellaneous
Jumlah 73,562,226 46,887,949 Total
Utang koasuransi berdasarkan mata uang The coinsurance payables based on
adalah sebagai berikut: currencies are as follows:
2023 2022
Rp Rp
Rupiah 54,872,859 32,153,031 Rupiah
Dolar Amerika Serikat 18,665,896 14,707,943 United States Dollar
Poundsterling Inggris 15,293 14,648 Great Britain Poundsterling
Dolar Hong Kong 7,058 1,145 Hongkong Dollar
Mata uang lain 1,120 11,182 Other currencies
Jumlah 73,562,226 46,887,949 Total
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Rincian utang koasuransi berdasarkan umur The details of coinsurance payables based on
utang adalah sebagai berikut: aging are as follows:
2023 2022
Rp Rp
Belum jatuh tempo 52,534,891 27,529,972 Current - not due
Telah jatuh tempo Past due :
Kurang dari 90 hari 4,772,440 1,445,859 Less than 90 days
Lebih dari 90 hari 16,254,895 17,912,118 More than 90 days
Jumlah 73,562,226 46,887,949 Total
16. Liabilitas Asuransi 16. Insurance Liabilities
Rincian liabilitas asuransi adalah sebagai Details of insurance liabilities are as follows:
berikut:
31 Desember/December 31, 2023 31 Desember/December 31, 2022
Bruto/ Reasuransi/ Neto/ Bruto/ Reasuransi/ Neto/
Gross Reinsurance Net Gross Reinsurance Net
Premi yang belum
merupakan pendapatan 1,860,482,882 (1,120,084,345) 740,398,537 1,397,744,871 (747,613,830) 650,131,041 Unearned premium reserves
Liabilitas manfaat polis Liabilities for future
masa depan 1,282,005,398 (423,202,757) 858,802,641 1,032,898,439 (345,392,303) 687,506,136 policy benefits
Estimasi klaim 8,005,046,741 (5,718,772,508) 2,286,274,233 7,366,608,734 (5,567,503,963) 1,799,104,771 Estimated claims
Jumlah 11,147,535,021 (7,262,059,610) 3,885,475,411 9,797,252,044 (6,660,510,096) 3,136,741,948 Total
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, 2023 31 Desember/December 31, 2022
Bruto/ Reasuransi/ Neto/ Bruto/ Reasuransi/ Neto/
Gross Reinsurance Net Gross Reinsurance Net
Kebakaran 701,137,238 (438,279,868) 262,857,370 525,611,212 (408,458,481) 117,152,731 Fire
Pengangkutan 1,688,858 324,897 2,013,755 17,486,226 43,834,419 61,320,645 Marine cargo
Offshore 106,816,115 (40,957,136) 65,858,979 186,747,812 (148,800,108) 37,947,704 Offshore
Rangka Kapal 237,140,336 (131,801,963) 105,338,373 221,599,390 (187,418,883) 34,180,507 Marine hull
Penerbangan 540,529,581 (501,689,686) 38,839,895 55,585,365 (33,642,611) 21,942,754 Aviation
Onshore 77,272,884 (44,009,697) 33,263,187 31,053,586 (24,624,162) 6,429,424 Onshore
Rekayasa 25,156,375 (9,023,995) 16,132,380 19,117,047 (16,117,109) 2,999,938 Engineering
Lainnya 170,741,495 45,353,103 216,094,598 340,544,233 27,613,105 368,157,338 Others
Jumlah 1,860,482,882 (1,120,084,345) 740,398,537 1,397,744,871 (747,613,830) 650,131,041 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, 2023 31 Desember/December 31, 2022
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 1,397,744,871 (747,613,830) 650,131,041 1,367,331,425 (864,627,022) 502,704,403 Beginning balance
Penurunan (kenaikan)
premi yang belum
merupakan pendapatan Decrease (increase) in unearned
selama tahun berjalan 462,738,011 (372,470,515) 90,267,496 30,413,446 117,013,192 147,426,638 premium reserve during the year
Saldo Akhir 1,860,482,882 (1,120,084,345) 740,398,537 1,397,744,871 (747,613,830) 650,131,041 Ending balance
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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, 2023 31 Desember/December 31, 2022
Bruto/ Reasuransi/ Neto/ Bruto/ Reasuransi/ Neto/
Gross Reinsurance Net Gross Reinsurance Net
Kebakaran 140,801,195 (125,667,223) 15,133,972 233,649,639 (100,473,166) 133,176,473 Fire
Rangka Kapal 20,400,459 (16,647,103) 3,753,356 94,137,173 (19,317,078) 74,820,095 Marine hull
Rekayasa 293,685,509 (239,108,885) 54,576,624 182,282,895 (128,413,308) 53,869,587 Engineering
Penerbangan 49,024 -- 49,024 63,569,251 (37,248,326) 26,320,925 Aviation
Offshore 23,940,458 (17,222,028) 6,718,430 20,043,481 (16,716,391) 3,327,090 Offshore
Pengangkutan 274,031 (125,495) 148,536 699,336 (328,392) 370,944 Marine cargo
Onshore 8,235,208 (2,803,891) 5,431,317 57,269 -- 57,269 Onshore
Lainnya 794,619,514 (21,628,132) 772,991,382 438,459,395 (42,895,642) 395,563,753 Others
Jumlah 1,282,005,398 (423,202,757) 858,802,641 1,032,898,439 (345,392,303) 687,506,136 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, 2023 31 Desember/December 31, 2022
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 1,032,898,439 (345,392,303) 687,506,136 989,019,138 (495,818,529) 493,200,609 Beginning balance
Penurunan (kenaikan)
liabilitas manfaat polis
masa depan Decrease (increase) in liabilities
selama tahun berjalan 249,106,959 (77,810,454) 171,296,505 43,879,301 150,426,226 194,305,527 for future policy benefits
Saldo Akhir 1,282,005,398 (423,202,757) 858,802,641 1,032,898,439 (345,392,303) 687,506,136 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.
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Estimasi klaim berdasarkan jenis asuransi Estimated claim based on class of business
adalah sebagai berikut: are as follows:
31 Desember/December 31, 2023 31 Desember/December 31, 2022
Bruto/ Reasuransi/ Neto/ Bruto/ Reasuransi/ Neto/
Gross Reinsurance Net Gross Reinsurance Net
Kebakaran 3,725,667,325 (2,854,802,152) 870,865,173 3,777,411,695 (3,189,829,230) 587,582,465 Fire
Rekayasa 984,697,197 (806,278,810) 178,418,387 275,142,934 (114,567,458) 160,575,476 Engineering
Rangka Kapal 606,380,184 (396,482,407) 209,897,777 408,471,920 (233,255,841) 175,216,079 Marine hul
Pengangkutan 205,898,230 (89,030,530) 116,867,700 248,393,950 (115,037,940) 133,356,010 Marine cargo
Offshore 524,887,035 (500,722,447) 24,164,588 1,001,604,510 (886,115,177) 115,489,333 Offshore
Onshore 59,389,199 (43,787,157) 15,602,042 282,887,408 (196,874,868) 86,012,540 Onshore
Penerbangan 370,331,723 (322,322,853) 48,008,870 189,192,791 (168,066,752) 21,126,039 Aviation
Lainnya 1,527,795,848 (705,346,152) 822,449,696 1,183,503,526 (663,756,697) 519,746,829 Others
Jumlah 8,005,046,741 (5,718,772,508) 2,286,274,233 7,366,608,734 (5,567,503,963) 1,799,104,771 Total
Pada tanggal 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022 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 Rp290,252,484 and
masing sebesar Rp290.252.484 dan Rp189,656,805, respectively.
Rp189.656.805.
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:
2023 2022
Rp Rp
Dolar Amerika Serikat 1,202,518,757 759,386,251 United States Dollar
Rupiah 770,983,720 825,254,966 Rupiah
Mata uang lainnya 22,519,272 24,806,749 Other currencies
Sub-Jumlah 1,996,021,749 1,609,447,966 Sub-total
IBNR 290,252,484 189,656,805 IBNR
Jumlah - neto 2,286,274,233 1,799,104,771 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 2023 dan 2022, untuk In 2023 and 2022, to calculate the estimated
menghitung estimasi klaim Grup claim the Group uses triangular method.
menggunakan metode triangular.
Liabilitas asuransi pada tanggal Valuation on insurance liabilities as of
31 Desember 2023 dan 2022 untuk December 31, 2023 and 2022 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 registered by
terdaftar di OJK saudara, Panji Widiarda OJK.
Rabowo, FSAI.
Rincian akun ini berdasarkan tertanggung Details of this account by claimant are as
adalah sebagai berikut: follows:
84
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
Perseroan The Company
Pihak berelasi (catatan 39) 149,725,560 175,078,286 Related parties (note 39)
Pihak ketiga Third parties
PT Meares Soputan Mining 15,289,086 3,468,025 PT Meares Soputan Mining
PT Asuransi Sinar Mas 13,158,803 11,409,564 PT Asuransi Sinar Mas
PT Safilindo Permata 6,431,596 5,270,998 PT Safilindo Permata
PT Indobaruna Bulk Transport 4,793,440 2,226,136 PT Indobaruna Bulk Transport
PT Amman Mineral Nusa Tenggara 3,772,103 1,080,512 PT Amman Mineral Nusa Tenggara
PT Elang Nusantara Air 2,256,977 2,343,188 PT Elang Nusantara Air
PT Kompak Usaha Mandiri 2,200,000 2,200,000 PT Kompak Usaha Mandiri
PT Trubaindo Coal Mining 2,147,099 2,169,762 PT Trubaindo Coal Mining
PT Toyota Astra Financial Services 1,917,029 1,917,029 PT Toyota Astra Financial Services
PT Adi Sarana Armada Tbk 1,502,885 1,763,831 PT Adi Sarana Armada Tbk
PT Chandra Asri PT Chandra Asri
Petrochemical Tbk 1,177,389 2,485,875 Petrochemical Tbk
PT Tanjung Enim Lestari Pulp & Paper 1,156,111 1,179,735 PT Tanjung Enim Lestari Pulp & Paper
ENI Muara Bakau BV 1,010,863 1,782,692 ENI Muara Bakau BV
Asian Agri Group 706,602 1,169,189 Asian Agri Group
Coupang Inc 435,708 8,631,033 Coupang Inc
PT Inti Karya Persada Tehnik 233,001 1,083,703 PT Inti Karya Persada Tehnik
Santos (Sampang) PTY Ltd -- 3,109,027 Santos (Sampang) PTY Ltd
Samudra Berdikari Abadi -- 2,661,120 Samudra Berdikari Abadi
Tomypak Flexible Tomypak Flexible
Packaging Sdn Bhd -- 2,490,179 Packaging Sdn Bhd
PT Indonesia Bulk Carrier -- 2,297,020 PT Indonesia Bulk Carrier
PT Harapan Mitra Bersama -- 1,846,000 PT Harapan Mitra Bersama
Apical Group Ltd -- 1,830,781 Apical Group Ltd
PT Kaltim Methanol Industri -- 1,738,586 PT Kaltim Methanol Industri
PT Pusaka Jaya Palu Tower -- 1,546,787 PT Pusaka Jaya Palu Tower
PT Enviromate Technology -- 1,360,000 PT Enviromate Technology
International -- 1,360,000 International
PT Tripatra Engineers & Constructors -- 1,355,306 PT Tripatra Engineers & Constructors
PC Ketapang II Limited -- 1,263,271 PC Ketapang II Limited
Doha Plastic WLL -- 1,157,613 Doha Plastic WLL
PT PCI Elektronik Internasional -- 1,072,083 PT PCI Elektronik Internasional
Lainnya (masing-masing Others (each
di bawah 1.000.000) 197,408,602 128,868,521 below 1,000,000)
Sub-Jumlah 405,322,854 202,777,566 Sub-Total
IBNR 73,558,219 59,167,740 IBNR
Sub-jumlah - Perseroan 478,881,073 437,023,592 Sub total - The Company
Entitas anak Subsidiaries
Pihak berelasi (catatan 39) -- 32,424,046 Related parties (note 39)
Pihak ketiga Third parties
AON Benfield Asia Pte Ltd 24,491,274 34,951,282 AON Benfield Asia Pte Ltd
PT Asuransi Central Asia 23,108,435 49,846,082 PT Asuransi Central Asia
PT Marsh Reinsurance PT Marsh Reinsurance
Brokers Indonesia 12,727,048 52,563,626 Brokers Indonesia
PT Jasa Cipta Rembaka 7,283,936 82,842,640 PT Jasa Cipta Rembaka
PT IBS Reinsurance Brokers 4,870,342 20,070,970 PT IBS Reinsurance Brokers
PT Hanofer Indonesia -- 52,141,552 PT Hanofer Indonesia
Trinity Reinsurance Brokers Limited -- 27,482,053 Trinity Reinsurance Brokers Limited
PT Asia Reinsurance Brokers -- 25,200,408 PT Asia Reinsurance Brokers
Indonesia -- 25,200,408 Indonesia
PT Asuransi Multi Artha Guna Tbk -- 20,115,147 PT Asuransi Multi Artha Guna Tbk
PT Asuransi Ramayana Tbk -- 19,897,020 PT Asuransi Ramayana Tbk
Lainnya (masing-masing Others (each
di bawah 1000000) 1,518,217,860 814,057,288 below 1,000,000)
Sub-Jumlah 1,590,698,895 1,231,592,114 Sub-Total
IBNR 216,694,265 130,489,065 IBNR
Sub-jumlah - Entitas anak 1,807,393,160 1,362,081,179 Sub total - Subsidiaries
Jumlah estimasi klaim 2,286,274,233 1,799,104,771 Total estimated claim
85
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Rekonsiliasi perubahan estimasi klaim The reconciliation of changes in estimated
adalah sebagai berikut: claims are as follows:
31 Desember/December 31, 2023 31 Desember/December 31, 2022
Estimasi Aset Estimasi Aset
klaim/ reasuransi/ klaim/ reasuransi/
Estimated Reinsurance Neto/ Estimated Reinsurance Neto/
claims assets Net claims assets Net
Saldo awal 7,366,608,734 (5,567,503,963) 1,799,104,771 6,203,972,752 (4,764,854,643) 1,439,118,109 Beginning balance
Penurunan (kenaikan) Increase ( decrease)
estimasi klaim selama in estimated claim
tahun berjalan 638,438,007 (151,268,545) 487,169,462 1,162,635,982 (802,649,320) 359,986,662 during the year
Saldo Akhir 8,005,046,741 (5,718,772,508) 2,286,274,233 7,366,608,734 (5,567,503,963) 1,799,104,771 Ending Balance
17. Utang Reasuransi Dan Retrosesi 17. Reinsurance And Retrocession Payables
2023 2022
Rp Rp
Perseroan The Company
Pihak berelasi (catatan 39) 49,391,484 62,928,324 Related parties (note 39)
Pihak ketiga Third parties
PT Marsh Reinsurance PT Marsh Reinsurance
Brokers Indonesia 503,230,094 201,141,684 Brokers Indonesia
AON Ltd 228,966,195 212,314,062 AON Ltd
Marsh Ltd 154,966,540 79,999,496 Marsh Ltd
Arthur J Gallagher (UK) Ltd 118,194,852 382,678,312 Arthur J Gallagher (UK) Ltd
Willis Ltd 101,006,005 66,357,745 Willis Ltd
PT AON Indonesia 67,605,188 22,484,431 PT AON Indonesia
Swiss Reinsurance Company 46,215,306 7,639,708 Swiss Reinsurance Company
Mitsui Bussan Pana Harrison Pte Ltd 24,350,765 -- Mitsui Bussan Pana Harrison Pte Ltd
Hannover Rückversicherung Hannover Rückversicherung
Malaysian Branch 22,939,511 -- Malaysian Branch
PT Willis Reinsurance Brokers Indonesia 21,996,932 -- PT Willis Reinsurance Brokers Indonesia
Asia Capital Reinsurance Group Pte Ltd 21,734,007 -- Asia Capital Reinsurance Group Pte Ltd
Korean Reinsurance Co 20,435,727 7,264,146 Korean Reinsurance Co
Ai12 Dmcc 13,627,353 -- Ai12 Dmcc
PT Mitra Utama Reasuransi 13,022,476 -- PT Mitra Utama Reasuransi
Guy Carpenter & Co Ltd 11,169,188 9,962,777 Guy Carpenter & Co Ltd
Scor Se, Zurich Branch 9,183,244 -- Scor Se, Zurich Branch
PT IBS Reinsurance Brokers 8,805,756 -- PT IBS Reinsurance Brokers
Echo Reinsurance Ltd 8,744,339 -- Echo Reinsurance Ltd
Partner Reinsurance Asia Pte Ltd 8,262,136 -- Partner Reinsurance Asia Pte Ltd
PT Jasa Cipta Rembaka 7,497,282 -- PT Jasa Cipta Rembaka
Trust International Insurance And Trust International Insurance And
Reinsurance Company BSC Via Bmi 6,715,114 -- Reinsurance Company BSC Via Bmi
PT Asuransi Tokio Marine Indonesia 6,586,721 -- PT Asuransi Tokio Marine Indonesia
Labuan Reinsurance Ltd (Malaysia) 5,548,648 9,269,657 Labuan Reinsurance Ltd (Malaysia)
Willis As Norway 5,417,274 -- Willis As Norway
United Insurance Brokers Ltd 5,287,006 -- United Insurance Brokers Ltd
Marsh Management Services (Mena) Ltd 4,831,543 -- Marsh Management Services (Mena) Ltd
PT AIG Insurance Indonesia 3,865,183 -- PT AIG Insurance Indonesia
Berkley Re Asia 3,585,857 -- Berkley Re Asia
China Reinsurance (Group) Corporation China Reinsurance (Group) Corporation
Singapore Branch 3,519,693 -- Singapore Branch
PT Maskapai Reasuransi Indonesia, Tbk 3,263,812 -- PT Maskapai Reasuransi Indonesia, Tbk
Kuwait Reinsurance Co 3,206,748 7,469,590 Kuwait Reinsurance Co
Tigermar Global Pte Ltd 3,122,085 -- Tigermar Global Pte Ltd
86
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
Afr Asia Pacific Ltd 3,067,906 -- Afr Asia Pacific Ltd
PT Dharmapala Pialang Reasuransi 2,826,828 -- PT Dharmapala Pialang Reasuransi
Samsung Reinsurance Pte Ltd 2,794,500 -- Samsung Reinsurance Pte Ltd
PT Indoperkasa Suksesjaya Reasuransi 2,744,015 -- PT Indoperkasa Suksesjaya Reasuransi
PT Inare Proteksi Internasional 2,726,079 -- PT Inare Proteksi Internasional
Howden Specialty Asia Pacific Pte Ltd 2,620,514 8,080,439 Howden Specialty Asia Pacific Pte Ltd
PT KMDastur Indonesia Reinsurance Brokers 2,332,394 -- PT KMDastur Indonesia Reinsurance Brokers
PT Reasuransi Nusantara Makmur 2,268,651 -- PT Reasuransi Nusantara Makmur
Peak Reinsurance Company Ltd 1,550,989 10,880,723 Peak Reinsurance Company Ltd
PT Asuransi Astra Buana 1,173,414 44,750,941 PT Asuransi Astra Buana
Arthur J. Gallagher Aerospace (UK) Ltd -- 99,604,059 Arthur J. Gallagher Aerospace (UK) Ltd
Mapfre Re Singapore Branch -- 12,082,438 Mapfre Re Singapore Branch
Sooner Insurance Company -- 5,030,595 Sooner Insurance Company
Lainnya (dibawah 1.000.000) 211,013,566 162,208,690 Others (below 1,000,000)
Sub-jumlah 1,702,021,436 1,349,219,493 Sub-total
Jumlah Perseroan 1,751,412,920 1,412,147,817 Total The Company
Entitas anak Subsidiaries
Pihak berelasi (catatan 39) 468,482 -- Related parties (note 39)
Pihak ketiga Third parties
Guy Carpenter & Co Ltd 22,724,226 17,376,429 Guy Carpenter & Co Ltd
K.M. Dastur RE Broker Private Ltd 13,117,511 10,686,979 K.M. Dastur RE Broker Private Ltd
Asia Reinsurance Brokers Singapore 16,387,172 8,326,608 Asia Reinsurance Brokers Singapore
AON Broking Singapore 3,705,563 4,039,903 AON Broking Singapore
SAG Brokers (Hong Kong) Ltd 2,859,839 2,877,626 SAG Brokers (Hong Kong) Ltd
Hannover Ruck - Malaysia 9,150,140 -- Hannover Ruck - Malaysia
Arthur J Gallagher 5,424,818 -- Arthur J Gallagher
Samsung Fire & Marine Insurance CoLtd 4,817,134 -- Samsung Fire & Marine Insurance CoLtd
Willis Towers Watson 2,632,686 -- Willis Towers Watson
Mitsui Bussan Pana Harrison PTE LTD 1,878,958 -- Mitsui Bussan Pana Harrison PTE LTD
Scor Vie - Singapore 1,028,567 -- Scor Vie - Singapore
Asia Reinsurance Brokers Indonesia 1,381,641 1,444,434 Asia Reinsurance Brokers Indonesia
AM Trust Europe Limited 862,870 2,181,172 AM Trust Europe Ltd
CIMB Howden Insurance Broker -- 1,584,676 CIMB Howden Insurance Broker
Lainnya (dibawah 1.000.000) 54,349,342 420,568 Others (below 1,000,000)
Sub-jumlah 140,320,467 48,938,395 Sub-total
Jumlah entitas anak 140,320,467 48,938,395 Total subsidiaries
Jumlah 1,891,733,387 1,461,086,212 Total
Saldo utang reasuransi pada 31 Desember As of December 31, 2023 and 2022,
2023 dan 2022, pada Unit Bisnis Syariah reinsurance payable in Sharia Business Unit
masing-masing adalah sebesar Rp1.917.809 amounted to Rp1,917,809 and Rp1,491,999,
Rp1.491.999 (Catatan 44). respectively (Note 44).
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:
87
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
Perseroan The Company
Utang reasuransi Reinsurance payables
Belum jatuh tempo 1,158,392,624 1,148,192,340 Current - not due
Telah jatuh tempo Past due
Kurang dari 90 hari 428,372,569 95,795,874 Less than 90 days
Lebih dari 90 hari 164,647,727 168,159,603 More than 90 days
Sub-jumlah - Perseroan 1,751,412,920 1,412,147,817 Sub total - the Company
Entitas anak Subsidiaries
Utang retrosesi Retrocession payables
Belum jatuh tempo 73,777,788 20,611,375 Current - not due
Telah jatuh tempo Past due
Kurang dari 90 hari (18,847,138) -- Less than 90 days
Lebih dari 90 hari 85,389,817 28,327,020 More than 90 days
Sub-jumlah - entitas anak 140,320,467 48,938,395 Sub total - subsidiaries
Jumlah utang retrosesi 1,891,733,387 1,461,086,212 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:
2023 2022
Rp Rp
Dolar Amerika Serikat 1,641,246,425 1,347,930,610 United States Dollar
Rupiah 128,000,740 105,423,524 Rupiah
Rupee India 23,660,015 975,787 Indian Rupee
Euro 867,746 8,478 Euro
Dolar Hongkong 10,331,745 -- Hongkong Dollar
Won Korea 3,013,469 -- Korean Won
Mata uang lainnya 84,613,247 6,747,813 Other currencies
Jumlah 1,891,733,387 1,461,086,212 Total
Lihat Catatan 39 untuk rincian saldo dan Refer to Note 39 for details of related parties
transaksi pihak berelasi. balances and transactions.
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.
2023 2022
Rp Rp
Komisi broker 39,879,148 29,668,370 Brokerage commission
Komisi agen 3,689,973 3,191,140 Agent commission
Jumlah 43,569,121 32,859,510 Total
Rincian akun ini berdasarkan jenis asuransi Details of this account by class of business
adalah sebagai berikut: are as follows:
88
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
Rangka Kapal 13,533,007 9,872,313 Marine Hull
Kebakaran 10,477,878 5,720,299 Fire
Rekayasa 8,476,553 4,085,738 Engineering
KendaraanBermotor 3,857,208 4,881,966 Motor Vehicle
Penerbangan 1,896,603 1,530,089 Aviation
Offshore 1,586,501 3,110,413 Offshore
Pengangkutan 696,133 922,314 Cargo
Lainnya 3,045,238 2,736,378 Miscellaneous
Jumlah 43,569,121 32,859,510 Total
Utang komisi berdasarkan mata uang adalah The commissions payables based on
sebagai berikut: currencies are as follows:
2023 2022
Rp Rp
Dolar Amerika Serikat 25,891,820 19,151,191 United States Dollar
Rupiah 17,304,191 13,294,898 Rupiah
Dolar Singapura 360,192 237,363 Singapore Dollar
Euro 5,339 170,624 Euro
Mata uang lain 7,579 5,434 Other currencies
Jumlah 43,569,121 32,859,510 Total
19. Perpajakan 19. Taxation
a. Tagihan kelebihan pembayaran a. Claims for tax refund
pajak
2023 2022
Rp Rp
Entitas anak Subsidiaries
TPInt -- 661,001 TPInt
Jumlah -- 661,001 Total
b. Pajak dibayar dimuka b. Prepaid taxes
2023 2022
Rp Rp
Perseroan The Company
Pajak Pertambahan Nilai -- 624,609 Value Added Tax
Pasal 28A -- 15,641,126 Article 28A
Sub-jumlah - Perseroan -- 16,265,735 Sub total - Perseroan
Entitas anak Subsidiaries
Pasal 23 5,549,856 5,738,427 Article 23
Pasal 21 166 -- Article 21
Pasal 25 3,141,322 132,962 Article 25
Pasal 4 (2) final 11,790,274 10,448,449 Article 4(2) final
Pasal 28A -- 6,518,506 Article 28A
Pajak Pertambahan Nilai 14,756,747 7,627,607 Value Added Tax
Sub-jumlah - entitas anak 35,238,365 30,465,951 Sub total - subsidiaries
Jumlah 35,238,365 46,731,686 Total
89
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Tagihan kekurangan pembayaran c. 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
d. Utang pajak d. Taxes payables
Utang pajak terdiri dari: Taxes payables consist of:
2023 2022
Rp Rp
Perseroan The Company
Pajak penghasilan badan Corporate income tax
Pasal 29 130,001,665 47,698,729 Article 29
Pajak lainnya -- 324 Other taxes
Pasal 21 10,052,509 2,398,333 Article 21
Pasal 23 892,104 542,997 Article 23
Pasal 25 -- 965,258 Article 25
Pasal 26 4,746,273 129,593 Article 26
Pasal 4 (2) final 7,264 7,698 Article 4(2) final
Pajak Pertambahan Nilai 296,825 -- Value Added Tax
Sub-jumlah - Perseroan 145,996,640 51,742,932 Sub total - Perseroan
Entitas anak Subsidiaries
Pasal 21 3,661,468 4,286,583 Article 21
Pasal 23 171,173 181,403 Article 23
Pasal 25 189,186 226,175 Article 25
Pasal 29 29,259,679 6,899,177 Article 29
Pasal 4 (2) final 8,277 57,881 Article 4(2) final
Pajak Pertambahan Nilai 1,014,447 1,383,871 Value Added Tax
Pasal 26 41,803 7,746 Article 26
Sub-jumlah - entitas anak 34,346,033 13,042,836 Sub total - subsidiaries
Jumlah 180,342,673 64,785,768 Total
e. Beban pajak final dan pajak e. Final tax and income tax expense
penghasilan
2023 2022
Rp Rp
Beban pajak final: Final tax expenses:
Perseroan (34,506,734) (15,681,704) The Company
Entitas Anak (17,653,160) (14,814,659) Subsidiaries
Konsolidasi (52,159,894) (30,496,363) Consolidated
Beban pajak penghasilan Income tax expense:
Perseroan The Company
Kini (288,292,015) (76,133,446) Current
Tangguhan (3,050,451) (9,454,633) Deferred
(291,342,466) (85,588,079)
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
Entitas anak Subsidiaries
Kini (32,784,452) (11,238,030) Current
Tangguhan 46,057,540 5,230,598 Deferred
13,273,088 (6,007,432)
Konsolidasi Consolidated
Kini (321,076,467) (87,371,476) Current
Tangguhan 43,007,089 (4,224,035) Deferred
Jumlah (278,069,378) (91,595,511) 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:
2023 2022
Rp Rp
Laba konsolidasian sebelum Consolidated income
pajak penghasilan 1,580,170,647 486,700,851 before tax
Keuntungan anak perusahaan Gain before tax
sebelum pajak 69,966,257 (56,246,425) from subsidiaries
Eliminasi konsolidasian (113,131,733) 57,112,472 Consolidation elimination
Laba sebelum pajak penghasilan 1,537,005,171 487,566,898 Income before tax
Beda waktu: Temporary differences:
Estimasi klaim retensi sendiri 14,390,479 (7,481,413) Estimated own retention claim
Penyisihan kerugian Allowance for
penurunan nilai (5,270,717) 8,749,125 impairment losses
Premi belum merupakan pendapatan (9,783,735) (14,779,920) Unearned premium reserve
Beban bunga sewa 164,946 -- Lease interest expense
Amortisasi aset hak guna (399,515) -- Allowance for
Cadangan penurunan nilai aset lainnya 2,234,575 -- impairment losses
Liabilitas imbalan kerja 19,956,268 7,811,682 Employee benefits liabilities
21,292,301 (5,700,526)
Beda tetap: Permanent differences:
Pendapatan investasi yang Investment income
dikenakan pajak final (317,162,273) (163,086,872) subject to final tax
Biaya yang tidak diperkenankan 34,776,319 11,599,916 Non-deductible expenses
Beban pajak final 34,506,734 15,681,704 Final tax expense
(247,879,220) (135,805,252)
Penghasilan kena pajak 1,310,418,252 346,061,120 Taxable income
Beban pajak penghasilan 288,292,015 76,133,446 Income tax expense
Dikurangi: Less:
Pajak dibayar di muka Prepaid tax
- Pasal 25 (158,290,350) (28,434,717) Article 25 -
Liabilitas (tagihan) Corporate income tax
pajak penghasilan 130,001,665 47,698,729 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.
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
f. Aset pajak tangguhan f. Deferred tax assets
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
31 Desember/December 31, 2022
(Dibebankan)
Dibebankan ke Dibebankan ke dikreditkan/
penghasilan penghasilan ke laporan
komprehensif komprehensif laba rugi/
lain/Charged lain/Charged (Charged)/
Saldo awal/ to the other to the other credited Saldo akhir/
Beginning comprehensive comprehensive to profit Ending
balance income income and loss balance
Perseroan The Company
Estimasi klaim retensi sendiri 14,662,814 -- -- (1,645,911) 13,016,903 Estimated own retention Claim
Penyisihan kerugian Allowance for
penurunan nilai 35,685,346 -- -- (6,537,185) 29,148,161 impairment losses
Cadangan atas premi Unearned premium
belum merupakan pendapatan 9,173,123 -- -- (3,251,583) 5,921,540 reserves
Liabilitas imbalan kerja 58,871,268 -- (5,673,740) 1,980,046 55,177,574 Employee benefit liabilities
Keuntungan obligasi belum diakui (9,259,008) -- 3,623,022 -- (5,635,986) Unrealized gain of bonds
Deemed dividend 6,024,773 -- -- -- 6,024,773 Deemed dividend
Sub-jumlah 115,158,316 -- (2,050,718) (9,454,633) 103,652,965 Sub-total
Entitas anak : Subsidiaries
Estimasi klaim retensi sendiri 23,897,825 -- -- 4,809,771 28,707,596 Estimated own retention Claim
Penyisihan kerugian Allowance for
penurunan nilai 41,878,898 -- -- 1,876,863 43,755,761 impairment losses
Cadangan atas premi Unearned premium
belum merupakan pendapatan (296,581) -- -- 22,357,374 22,060,793 reserves
Liabilitas imbalan kerja 6,937,827 -- (1,226,696) (417,819) 5,293,312 Employee benefit liabilities
Keuntungan obligasi belum diakui (22,063,473) -- 20,384,974 -- (1,678,499) Unrealized gain of bonds
Deemed dividend 15,883,491 -- -- -- 15,883,491 Deemed dividend
Sewa (4,922,761) -- -- 2,144,738 (2,778,023) Leases
Persediaan (474,961) -- -- -- (474,961) Inventories
Aset Tetap (2,082,612) -- -- (364,039) (2,446,651) Fixed Assets
Beban Amortitasi 666,986 -- -- (233,772) 433,214 Amortization expense
Rugi Fiskal 56,040,003 -- -- (24,943,679) 31,096,324 Fiscal loss
Bonus dan Kompensasi karyawan 875,436 -- -- 1,161 876,597 Bonuses and employee compensation
Sub-jumlah 116,340,078 -- 19,158,278 5,230,598 140,728,954 Sub-total
Jumlah 231,498,394 -- 17,107,560 (4,224,035) 244,381,919 Total
g. Rekonsiliasi perpajakan g. 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
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:
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
Laba konsolidasian sebelum Consolidated income
pajak penghasilan 1,580,170,647 486,700,851 before tax
Keuntungan anak perusahaan Gain before tax
sebelum pajak 69,966,257 (56,246,425) from subsidiaries
Eliminasi konsolidasian (113,131,733) 57,112,472 Consolidation elimination
Laba sebelum pajak penghasilan 1,537,005,171 487,566,898 Income before tax
Beban pajak penghasilan dengan Income tax expense at effective
tarif pajak efektif 338,141,138 107,264,718 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 (69,775,700) (35,879,112) subject to final tax
Biaya yang tidak diperkenankan 7,650,790 2,551,982 Non-deductible expenses
Beban pajak final 5,176,010 2,352,256 Final tax expense
Penyesuaian atas pajak tangguhan 10,150,228 9,298,235 Adjust on the tax determined tax
Jumlah (46,798,672) (21,676,639) Total
Beban pajak Perusahaan 291,342,466 85,588,079 Company’s tax expense
h. Surat ketetapan pajak h. 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
denda pajak yang dicatat pada beban expenses in financial statement 2023.
lain-lain dalam laporan keuangan tahun
2023.
93
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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
94
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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 Surat
dan Surat Ketetapan Pajak Kurang Ketetapan Pajak Kurang Bayar (SKPKB)
Bayar (SKPKB) dengan total nilai with a total value of Rp116,070.
sebesar 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.
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.
95
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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 will make a
akan 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;
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;
96
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
Tugu Reasuransi Indonesia (TRI) Tugu Reasuransi Indonesia (TRI)
2020 2020
Pada tanggal 18 November 2021, On November 18, 2021, the Company
Perseroan menerima surat Perintah has received tax examination letter
Pemeriksaan Pajak No. 00157/WPJ. No.00157/WPJ.06/KP.1704/RIK. SIS/
06/KP.1704.RIK.SIS/2021 terkait 2021 related to examination of fiscal
pemeriksaan pajak tahun fiskal 2020. year 2020.
Atas surat perintah pemeriksaan pajak Upon tax examination letter No.
No.00157/WPJ.06/KP.1704.RIK.SIS/ 00157/WPJ.06/KP.1704/RIK.SIS/2021,
2021 Perseroan telah menerima Surat the Company has received Tax
Ketetapan Pajak Lebih Bayar (SKPLB) Assessment Letter for Overpayment
No.00061/406/20/078/22 tanggal (SKPLB) No. 00061/406/20/078/22
25 April 2022 atas pajak penghasilan dated April 25, 2022 related to corporate
badan tahun pajak 2022 sebesar income tax for fiscal year 2022
Rp357.956 dan merubah rugi fiskal dari amounted to Rp357,956 and changed
Rp42.789.241 menjadi Rp38.083.460. tax loss from Rp42,789,241 to
Rp38,083,460.
Pratama Mitra Sejati (PMS) Pratama Mitra Sejati (PMS)
2019 2019
Pada tahun 2023 Perusahaan In 2023 the Company received
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
menerima Surat Pemeriksaan No. Examination Letter No.
S-46/WPJ.064/2023 untuk tahun 2019 S-46/WPJ.064/2023 for 2019 and it is
dan masih proses sampai saat ini. still process until today.
2020 2020
Pada tahun 2022, Perseroan menerima In 2022, The Company received
Surat Ketetapan Pajak Lebih Bayar Overpayment Tax Assesment Letter
(“SKPLB”) No. 00115/406/20/073/22 (“SKPLB”) No. 0115/406/20/073/22 for
atas pajak penghasilan untuk tahun income tax for the year 2020 amounting
2020 nilai sebesar Rp1.864.369 dan Rp1,864,369 the company has received
telah menerima atas lebih bayar pajak the Overpayment tax. The company Nil
tersebut. Perseroan menerima Surat Tax Assesment Letter (SKPN) for Value
Ketetapan Pajak Nihil (“SKPN”) atas Added Tax for January to December.
pajak pertambahan nilai atas masa
Januari sampai dengan Desember.
Surat Ketetapan Pajak Nihil (“SKPN”) Nil Tax Assessment Letter (“SKPN”) for
atas pajak penghasilan pasal 21, pasal income tax article 21, article 4(2) and
4(2) dan pasal 23 Januari sampai article 23 for January to November as
dengan November dan Surat well as Underpayment Tax Assessment
Ketetapan Pajak Kurang Bayar Letter (“SKPKB”) No. 00120/203/20/
(“SKPKB”) No. 00120/203/20/073/22 073/22 for value added for Period
bulan Desember sebesar Rp6.233.767 December amounting to R6,233,767 The
Perusahaan telah melakukan company has paid the Tax Assessment
pembayaran atas Surat Ketetapan Letter. The Company accepted the result
Pajak Kurang Bayar tersebut. and did not filed an appeal against the
Perseroan menerima hasil dan tidak Directorate General of Taxation's
mengajukan banding atas keputusan assessment.
ketetapan tersebut.
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
Synergy Risk Management Synergy Risk Management
Consultants Consultants
Pada tahun 2016, Perusahaan memiliki In 2016, the Company has claim for tax
klaim untuk pengembalian pajak refund with total amount Rp724,009.
dengan jumlah total Rp724.009.
Berdasarkan surat keputusan No Based on decision letter No. KEP-
KEP00016.PPH/WPJ.07/KP. 0603/ 00016.PPH/WPJ.07/KP. 0603/2018
2018 tanggal 5 Februari 2018 perihal dated February 5, 2018 regarding tax
pengembalian pajak atas Surat refund of Tax Overpayment Assessment
Ketetapan Pajak Lebih Bayar (SKPLB) Letter (SKPLB) fiscal year 2016 No.
tahun Pajak 2016 No. 00001/406/16/058/18 dated January 24,
00001/406/16/058/18 tanggal 24 2018 amounted Rp123,803 The
Januari 2018 sebesar Rp123.803. Company has received the refund
Perusahaan telah menerima through PT Bank Mandiri (Persero) Tbk
pengembalian dana melalui PT Bank amounted Rp123,803 on
Mandiri (Persero) Tbk sebesar February 23, 2018.
Rp123.803 pada tanggal
23 Februari 2018.
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pada tanggal 24 April 2018, On April 24, 2018, The Company has
Perusahaan telah mengajukan surat filed an objection of Tax Assessment
keberatan atas Surat Ketetapan Pajak Letter Overpayment (SKPLB) on fiscal
Lebih Bayar (SKPLB) tentang tahun year 2016 No. 00001/406/16/058/18
pajak 2016 No. 00001/406/16/058/18 dated 24 January 2018.
tanggal 24 Januari 2018.
Berdasarkan surat keputusan No. KEP- Based on decision letter No. KEP-
01918/KEB/WPJ.07/2019 tanggal 01918/KEB/ WPJ.07/2019 dated April
22 April 2019 perihal keberatan wajib 22, 2019 regarding objections to
pajak atas surat ketetapan pajak lebih taxpayers over income tax assessments,
bayar pajak penghasilan memutuskan decides to refuse taxpayers objections.
menolak keberatan wajib pajak.
Pada tanggal 23 Februari 2022, On February 23, 2022, an appeal
terdapat keputusan banding dengan decision was made with decision
nomor putusan PUT- number PUT-007324.15/2019/PP/M.XB
007324.15/2019/PP/M.XB tahun 2022 year 2022 on SKPLB
atas SKPLB No 00001/406/16/058/18 No. 00001/406/16/058/18 dated
tertanggal 24 Januari 2018 January 24, 2018, granting a portion of
mengabulkan sebagian permohonan the appeal request in the amount of
banding sejumlah Rp472.610. Rp472,610. The Company has received
Perusahaan telah menerima a refund through Bank Mandiri amounted
pengembalian dana melalui Bank Rp472,610.
Mandiri sejumlah Rp472.610.
Pada tanggal 21 April 2022, selisih On April, 21, 2022, the difference
antara estimasi klaim pengembalian between claims for tax refund and the
pajak dengan realisasi keputusan realization of the appeal decision
banding sebesar Rp127.596 diakui ke amounting to Rp127,596 was recognized
laba rugi tahun berjalan. in profit or loss for the year.
20. Beban Akrual 20. Accrued Expense
2023 2022
Rp Rp
Bonus dan remunerasi 234,216,053 91,521,772 Bonus and remuneration
Pemasaran 24,238,148 24,272,961 Marketing
Umum dan kepegawaian lainnya 7,129,047 7,150,613 General and other employee expense
Jasa profesional 5,518,604 715,263 Professional fee
Operasional kendaraan -- 1,294,891 Motor vehicle operational
Lainnya ( masing-masing dibawah Others (each below
350.000) 19,375,986 12,560,959 350,000)
Jumlah 290,477,838 137,516,459 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.
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
21. Utang Lain-Lain 21. Other Payables
2023 2022
Rp Rp
Utang usaha 54,731,262 38,961,976 Trade payable
Utang biaya yang masih harus dibayar 76,306,443 12,969,232 Deferred expenses payable
Utang jaminan kas 45,456,685 31,107,014 Cash deposit
Utang pembelian barang modal 30,781,615 23,564,481 Capital Expenditure Purchase Payable
Dana Tabarru' 23,557,441 12,938,774 Tabarru' fund
Utang ujroh reasuransi 10,724,467 9,608,254 Reinsurance ujroh payable
Penyisihan kontribusi yang belum Unearned contributions provisions
menjadi hak dan penyisihan manfaat reserves and liabilities for
polis masa depan 6,943,148 4,401,316 future policy benefts
Penyisihan ujroh 6,707,468 3,790,047 Ujroh payable
Penyisihan klaim syariah 4,672,592 4,511,434 Sharia reserves of claims
Utang komisi syariah 2,272,209 10,435,626 Sharia comission payable
Utang syariah 2,045,737 3,024,622 Sharia payables
Pendapatan diterima dimuka 799,002 1,069,399 Unearned revenue
Utang litigasi -- 84,407,040 Litigation payables
Uang jaminan sewa -- 2,461,998 Rental deposits
Lainnya (masing-masing di bawah Others (each below
1.000.000) 5,439,262 20,434,190 1,000,000)
Jumlah 270,437,331 263,685,403 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.
Termasuk didalam utang lain-lain lainnya Included in other payables - others is advance
adalah uang muka yang diterima dari payment received from PT Bangun Mitra
PT Bangun Mitra Properti terkait penjualan Properti related to sales of subsidiary’s (PMS)
properti investasi entitas anak (PMS), investment property amounted to Rp228,386
sebesar Rp228.386 dan Rp228.386 pada and Rp228,386 as of December 31, 2023 and
tanggal 31 Desember 2023 dan 2022. 2022.
Pada tanggal 31 Desember 2023 dan 2022 As of December 31, 2023 and 2022,
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 Rp6.943.148 dan Rp6,943,148 and Rp4,401,316 respectively,
Rp4.401.316, dan penyisihan klaim masing- and reserves of claims amounted to
masing sebesar, Rp4.672.592 dan Rp4,672,592 and Rp4,511,434, respectively
Rp4.511.434 (Catatan 44). (Note 44).
22. Liabilitas Imbalan Kerja 22. Employee Benefit Liabilities
Pada tahun 2023, Pemerintah telah In 2023, the Government has passed Law
mengesahkan Undang-Undang No.6 Tahun No.6 of 2023 on ("Job Creation Law"), which
2023 tentang ("UU Cipta Kerja") yang partially amends/removes/adds some of the
mengganti/menghapus/menambah sebagian provisions in the Labor Law. The issuance of
ketentuan dalam Undang-Undang the Job Creation Law and its implementing
Ketenagakerjaan. Dengan berlakunya UU regulations, will impact the obligation for post-
Cipta Kerja berikut dengan peraturan employment benefits.
pelaksanaannya, maka ketentuan tersebut
berdampak pada liabilitas imbalan pasca
kerja.
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Seperti dijelaskan pada Catatan 2u, Grup As discussed in Note 2u, The Group provides
menyediakan imbalan pensiun berdasarkan a pension benefits in accordance with Job
UU Cipta Kerja No. 6 Tahun 2023. Secara Creation Law No. 6 of 2023. Since the Law
substansi program pensiun dalam UU Cipta sets the formula for determining the minimum
Kerja No. 6 Tahun 2023 merupakan program amount of benefits, in substance pension
imbalan pasti karena undang-undang telah plans under Job Creation Law No. 6 of 2023
menetapkan formula dalam menentukan represent defined benefit plans. If the
jumlah minimum imbalan. Jika porsi program employee funded portion of the pension plan
imbalan pensiun yang didanai oleh karyawan benefit is less than the benefit per the Job
lebih rendah dari imbalan yang menurut Creation Law, the Group will provide provision
undang-undang, Grup akan membentuk for such shortage
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
Aktuarial Steven & Mourits (dahulu (formerly PT Dayamandiri Dharmakonsilindo)
PT Dayamandiri Dharmakonsilindo) untuk for the Company and its subsidiaries except
Perseroan dan entitas anak selain TRI dan TRI and PT RAZ Actuarial Consulting for TRI.
PT RAZ Actuarial Consulting untuk TRI.
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:
2023 2022
Tingkat diskonto 5,75%-7,00% 6,15%-7,50% Discount rate
Tingkat kenaikan gaji 5,00%-10.00% 5,00%-10.00% Future salary increment rate
Tingkat pengembalian aset 7,20% 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.
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
a. Program pensiun pada PT Asuransi a. Pension Program on PT Asuransi
Jiwasraya (Persero) (Jiwasraya) Jiwasraya (Persero) (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 Jiwasraya
dikelola oleh PT Asuransi Jiwasraya (Persero).
(Persero).
Pendanaan program ini terutama The pension plan is mainly funded by
berasal dari kontribusi pemberi kerja contributions from employer 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 Jiwasraya PT Asuransi Jiwasraya (Persero) at the
(Persero) pada awal tahun, sedangkan beginning of financial year, whilst the
kontribusi karyawan adalah 5% dari gaji employee contribution is 5% of monthly
pokok bulanan. basic salary.
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 2023 dan 2022 masing- December 31, 2023 and 2022 is 592 and 624
masing adalah 592 dan 624 karyawan (tidak employees, respectively (unaudited).
diaudit).
i. Beban manfaat karyawan neto i. Net 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
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
IJK/
UUK-PKB/ Other long term Jumlah/
Jiwasraya Labor Law-CLA benefit Total
Biaya jasa kini 1,255,114 16,799,496 5,104,174 23,158,784 Current service cost
Biaya jasa lalu -- -- -- -- Past service cost
Biaya bunga 1,089,489 16,909,488 2,641,460 20,640,437 Interest cost
(Keuntungan)/Kerugian (Gain)/loss
dari penyelesaian -- 2,155 -- 2,155 from settlement
Pengukuran kembali -- -- -- -- Remeasurement
Beban manfaat karyawan 2,344,603 33,711,139 7,745,634 43,801,376 Employee benefits expense
ii. Estimasi liabilitas imbalan kerja ii. Estimated employee benefits 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
31 Desember/December 31, 2022
UUK-PKB/ Lainnya/ Jumlah/
Jiwasraya Labor Law-CLA Others Total
Nilai kini kewajiban Present value of
imbalan pasti 15,249,731 238,381,103 39,490,388 293,121,222 defined obligations
Nilai wajar aset program (7,037,494) (2,886,527) -- (9,924,021) Fair value of plan assets
Liabilitas neto 8,212,237 235,494,576 39,490,388 283,197,201 Net liability
Mutasi nilai wajar aset program adalah The movements in the fair value of plan
sebagai berikut: assets are as follows:
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
31 Desember/December 31, 2022
UUK-PKB/ Lainnya/ Jumlah/
Jiwasraya Labor Law-CLA Others Total
Saldo awal tahun 6,874,022 3,845,508 -- 10,719,530 Balance at the beginning of year
Iuran Perusahaan Company contributions
yang dibayarkan periode berjalan -- 4,845,000 -- 4,845,000 during period
Pembayaran Imbalan dari Aset Program -- (5,933,299) -- (5,933,299) Benefits payment from plan assets
Imbal hasil aset program 163,472 129,318 -- 292,790 Return on plan assetes
Saldo akhir tahun 7,037,494 2,886,527 -- 9,924,021 Balance at end of year
Pada tanggal 31 Desember 2023 dan As of December 31, 2023 and 2022,
2022, aset program terdiri dari: plan assets comprise the following:
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
31 Desember/December 31, 2022
UUK-PKB/ Lainnya/ Jumlah/
Jiwasraya Labor Law-CLA Others Total
Kas dan setara kas 7,037,494 1,283,635 -- 8,321,129 Cash and cash equivalent
Instrumen ekuitas -- 46,306 -- 46,306 Equity instruments
Sertifikasi investasi dana -- 1,556,586 -- 1,556,586 Investement in fund certificates
Jumlah aset program 7,037,494 2,886,527 -- 9,924,021 Total plan assets
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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, 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
31 Desember/December 31, 2022
UUK-PKB/ Lainnya/ Jumlah/
Jiwasraya Labor Law-CLA Others Total
Saldo awal tahun 15,942,940 261,474,762 40,031,478 317,449,180 Balance at the beginning of year
Beban selama tahun berjalan 2,344,603 33,711,139 7,745,634 43,801,376 Expense during the year
Dampak Press Release Impact of Press Release
DSAK IAI/IFRIC AD -- (5,877,181) -- (5,877,181) DSAK IAI/IFRIC AD
Kelebihan Pembayaran -- (2,155) -- (2,155) Excess Benefit Paid by Company
Pengukuran kembali tahun berjalan (3,037,812) (20,409,873) (4,058,627) (27,506,312) Remeasurement during the year
Pembayaran selama tahun berjalan -- (30,515,589) (4,228,097) (34,743,686) Benefit payment during the year
Saldo akhir tahun 15,249,731 238,381,103 39,490,388 293,121,222 Balance at end of year
Pengalaman penyesuaian untuk entitas The adjustment experience for the parent
induk adalah sebagai berikut: entity are as follows:
2023 2022
Rp Rp
Nilai kini kewajiban Present value of defined
imbalan pasti 263,207,061 257,844,646 benefit obligation
Nilai wajar aset program (5,868,147) (7,037,494) Fair value of plan assets
Defisit program 257,338,914 250,807,152 Deficit in the plan
Penyesuaian pengalaman pada Experience adjustments on
aset program 18,044,401 18,793,356 plan assets
Aset program pada tanggal Plan assets as of December 31, 2023 and
31 Desember 2023 dan 2022 terdiri atas 2022 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 2023 dan 2022: service cost as of December 31, 2023 and
2022:
Tingkat Tingkat
bunga diskonto/ kenaikan upah/
discount rate salary increase
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
31 Desember 2022 December 31, 2022
Kenaikan suku bunga Increase in interest rate
100 basis poin (10,155,226) 25,952,147 100 basis point
Penurunan suku bunga Decrease in interest rate
100 basis poin 26,474,564 (10,043,797) 100 basis point
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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, 2023 and 2022
31 Desember 2023 dan 2022 adalah are as follows (unaudited):
sebagai berikut (tidak diaudit):
2023 2022
Rp Rp
Dalam waktu 12 bulan berikutnya Within the next 12 months
(periode laporan tahun berikutnya) 23,642,938 16,745,118 (the next annual reporting period)
Antara 1 dan 2 tahun 52,012,073 24,936,224 Between 1 and 2 years
Antara 3 dan 5 tahun 85,560,214 79,490,025 Between 3 and 5 years
Lebih dari 5 tahun 1,166,684,452 1,144,080,274 More than 5 years
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
2023 2022
Rp Rp
Pihak berelasi (catatan 39) 287,256,970 121,346,712 Related parties (note 39)
Pihak ketiga Third parties
PT Bank IBK Indonesia Tbk 8,892,583 -- PT Bank IBK Indonesia Tbk
Sub-Jumlah 8,892,583 -- Sub-total
Jumlah 296,149,553 121,346,712 Total
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, 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
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
sebesar Jakarta Interbank Offered Rate month plus 3.5% per annum.
(JIBOR) 1 bulan ditambah 3,5% per annum.
Pada periode yang berakhir pada tanggal For the period ended December 31, 2022,
31 Desember 2022, PMS telah menerima PMS has received a loan disbursement
pencairan pinjaman sebesar Rp85.319.061, amounting to Rp85,319,061, paid the principal
telah melakukan pembayaran atas pokok of the loan facility amounting to Rp19,997,160
fasilitas pinjaman sebesar Rp19.997.160 and paid interest on the loan amounting to
dan bunga pinjaman sebesar Rp2.561.328. Rp2,561,328.
Pada periode yang berakhir pada tanggal For the period ended December 31, 2023,
31 Desember 2023, PMS telah menerima PMS has received a loan disbursement
pencairan pinjaman sebesar Rp16.977.275, amounting to Rp16,977,275, paid the principal
telah melakukan pembayaran atas pokok of the loan facility amounting to Rp38,913,446
fasilitas pinjaman sebesar Rp38.913.446 and paid interest on the loan amounting to
dan bunga pinjaman sebesar Rp8.047.075. Rp8,047,075.
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 2023 dan 2022, As of December 31, 2022 and 2023, no
tidak ada pelanggaran atas pembatasan di violation on covenants was made by PMS.
atas oleh PMS.
Pada periode yang berakhir pada tanggal For the period ended December 31, 2022,
31 Desember 2022, PMS telah melakukan PMS has paid the principal of the loan facility
pembayaran atas pokok fasilitas pinjaman amounting to Rp2,724,692 and paid interest
sebesar Rp2.724.692 dan bunga pinjaman on the loan amounting to Rp387,035.
sebesar Rp387.035.
Pada periode yang berakhir pada tanggal For the period ended December 31, 2023,
31 Desember 2023, PMS telah melakukan PMS has paid the principal of the loan facility
pembayaran atas pokok fasilitas pinjaman amounting to Rp445,210 and paid interest on
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
sebesar Rp445.210 dan bunga pinjaman the loan amounting to Rp83,186.
sebesar Rp83.186.
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 periode yang berakhir pada tanggal For the period ended December 31, 2022,
31 Desember 2022, PMS telah menerima PMS has received a loan disbursement
pencairan pinjaman sebesar Rp17.492.650, amounting to Rp17,492,650, paid the principal
telah melakukan pembayaran atas pokok of the loan facility amounting to Rp2,069,212
fasilitas pinjaman sebesar Rp2.069.212 dan and paid interest on the loan amounting to
bunga pinjaman sebesar Rp465.959. Rp465,959.
Pada periode yang berakhir pada tanggal For the period ended December 31, 2022,
31 Desember 2023, PMS telah menerima PMS has received a loan disbursement
pencairan pinjaman sebesar Rp151.118.416, amounting to Rp151,118,416, paid the
telah melakukan pembayaran atas pokok principal of the loan facility amounting to
fasilitas pinjaman sebesar Rp14.150.108 Rp14.150.108 and paid interest on the loan
dan bunga pinjaman sebesar Rp3.040.741. amounting to Rp3,040,741.
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 periode yang berakhir pada tanggal For the period ended December 31, 2023,
31 Desember 2023, PMS telah menerima PMS has received a loan disbursement
pencairan pinjaman sebesar Rp10.462.095, amounting to Rp10,462,095, paid the principal
telah melakukan pembayaran atas pokok of the loan facility amounting to Rp1,164,711
fasilitas pinjaman sebesar Rp1.164.771 dan and paid interest on the loan amounting to
bunga pinjaman sebesar Rp404.801. Rp404,801.
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).
107
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
Pada periode yang berakhir pada tanggal For the period ended December 31, 2023,
31 Desember 2023, PMS telah menerima PMS has received a loan disbursement
pencairan pinjaman sebesar Rp67.730.758, amounting to Rp67,730,758, paid the principal
telah melakukan pembayaran atas pokok of the loan facility amounting to Rp3,997,411
fasilitas pinjaman sebesar Rp3.997.411 dan and paid interest on the loan amounting to
bunga pinjaman sebesar Rp1.229.014. Rp1,229,014.
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
2023 2022
Rp Rp
Pihak berelasi (catatan 39) 503,985 4,447,768 Rel at ed part i es (not e 39)
Pihak ketiga T hi rd part i es
Sewa Pembiayaan Finance Lease
PT Clipan Finance PT Clipan Finance
Indonesia Tbk 4,909,094 12,409,684 Indonesia Tbk
PT Takari Kokoh Sejahtera 3,355,739 8,789,683 PT Takari Kokoh Sejahtera
PT Artha Asia Finance -- 5,245,527 PT Artha Asia Finance
Pembiayaan Konsumen Consumer Financing
PT Lotte Capital Indonesia 19,934,209 6,235,524 PT Lotte Capital Indonesia
PT Toyota Astra Financial Services 14,489,953 16,083,496 PT Toyota Astra Financial Services
PT Dipo Star Finance 2,152,134 10,927,461 PT Dipo Star Finance
PT Maybank Indonesia Finance 162,025 1,596,017 PT Maybank Indonesia Finance
Astra Credit Companies 6,754 2,854,945 Astra Credit Companies
PT Mega Central Finance -- 26,271 PT Mega Central Finance
Sub-jumlah 45,009,908 64,168,608 Sub-total
Jumlah 45,513,893 68,616,376 Total
b. Berdasarkan nilai tunai pembayaran b. Based on cash value of payment
2023 2022
Rp Rp
Pembayaran yang jatuh tempo Payment
pada tahun: due in year:
- 2023 -- 53,077,766 2023 -
- 2024 30,704,302 18,641,371 2024 -
- 2025 13,404,411 1,315,611 2025 -
- 2026 4,428,888 -- 2026 -
48,537,601 73,034,748
Beban bunga dan asuransi Interest expense and cost
yang belum jatuh tempo (3,023,708) (4,418,372) insurance which are not yet due
Jumlah 45,513,893 68,616,376 Total
108
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
c. Berdasarkan jatuh tempo c. Based on maturity
2023 2022
Rp Rp
Berdasarkan jatuh tempo Based on maturity
Kurang dari 1 tahun 28,508,539 49,389,694 Less than a year
Lebih dari 1 tahun 17,005,354 19,226,682 More than a year
Jumlah 45,513,893 68,616,376 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 Rp5.278.681. untuk tahun yang amounted to Rp5,278,681 for the year ended
berakhir pada tanggal 31 Desember 2023 December 31, 2023 (2022: Rp8,933,293).
(2022: Rp8.933.293).
25. Modal Saham 25. Share Capital
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the
rincian pemegang saham Perseroan adalah Company’s shareholders are as follows:
sebagai berikut:
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
31 Desember/December 31, 2022
Jumlah Persentase
saham/ pemilikan/
Number Percentage Jumlah/
Pemegang saham of shares of ownership Total Name of shareholders
PT Pertamina (Persero) 1,040,000,000 58.50% 104,000,000 PT Pertamina (Persero)
UOB Kay Hian Pte Ltd 282,380,000 15.88% 28,238,000 UOB Kay Hian Pte Ltd
Samsung Fire & Marine Co, Ltd 94,117,000 5.29% 9,411,700 Samsung Fire & Marine Co, Ltd
Komisaris dan Direksi Commissioners and Directors
Bapak Tatang Nurhidayat 29,000 0.00% 2,900 Mr Tatang Nurhidayat
Bapak Emil Hakim 51,000 0.00% 5,100 Mr Emil Hakim
Bapak Syaiful Azhar 13,600 0.00% 1,360 Mr Syaiful Azhar
Bapak Budi P Amir 11,000 0.00% 1,100 Mr Budi P Amir
Masyarakat Umum 361,186,200 20.32% 36,118,620 Publicly held
Jumlah 1,777,787,800 100.00% 177,778,780 Total
109
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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 2023 dan December 31, 2023, and 1,777,787,800 (full
1.777.787.800 saham (nilai penuh) pada amount) shares as of December 31, 2022.
31 Desember 2022.
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.
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 2023 requirement as of December 31, 2023 and
dan 2022 (tidak diaudit) (Catatan 42). 2022 (unaudited) (Note 42).
110
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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 May 17, 2022 which was
tanggal 17 Mei 2022, yang telah diaktakan notarized by Notarial Deed No. 51 dated
dengan Akta Notaris No. 51 tanggal May 17, 2022 of Notary Jose Dima Satria,
17 Mei 2022 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 Rp126,592,141 from 2021 operating results or
Rp126.592.141 dari hasil operasi 2021 atau Rp10 per share (full amount).
Rp10 per saham (nilai penuh).
Pada tahun 2023 dan 2022, Grup In 2023 and 2022, the Group will pay cash
membayarkan dividen kas kepada dividends to non-controlling interests
kepentingan non-pengendali masing-masing amounting to Rp14,791,561 and Rp5,297,597,
sebesar Rp14.791.561 dan Rp5.297.597. respectively.
Pada tahun 2023, Grup menyetujui untuk In 2023, the Group have agreed to distribute
membagikan deviden saham kepada share dividends amounted Rp187,198,292.
kepentingan non-pengendali sebesar
Rp187.198.292.
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:
2023 2022
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
111
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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 the performance and risks and to determine
melakukan penetapan metode the method of measurement in accordance
pengukurannya sesuai skala dan with the scale and complexities of the
kompleksitas kegiatan usaha Perseroan. Company’s business activities. In addition,
Selain itu, Program MESOP juga ditujukan MESOP program is also granted as a form of
sebagai bentuk penghargaan atas award for the achievement of future
pencapaian kinerja di masa yang akan performance.
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:
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.
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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.
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)
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Harga pelaksanaan opsi (dalam Rupiah 3.465
Exercise price of 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 was 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:
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 of 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 using the MESOP option
saham dengan harga pelaksanaan opsi 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.
114
Page 602
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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 was 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, 2023
Penghasilan
Saldo awal/ komprehensif/ Saldo akhir/
Beginning Penambahan/ Comprehensive Ending
balance Addition 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) (89,738) 697,595,127 Total
31 Desember/December 31, 2022
Penghasilan
Saldo awal/ komprehensif/ Saldo akhir/
Beginning Penambahan/ Comprehensive Ending
balance Addition income balance
PT Pratama Mitra Sejati 235,939 5,491 (199) 241,231 PT Pratama Mitra Sejati
PT Tugu Pratama Interindo 167,451 1,257 592 169,300 PT Tugu Pratama Interindo
PT Synergy Risk PT Synergy Risk
Management Consultants 36,394 4,756 242 41,392 Management Consultants
PT Tugu Reasuransi Indonesia 693,967,967 42,645,471 (4,296,486) 732,316,952 PT Tugu Reasuransi Indonesia
Jumlah 694,407,751 42,656,975 (4,295,851) 732,768,875 Total
30. Pendapatan Premi Asuransi Dan 30. Insurance And Reinsurance Premium
Reasuransi Income
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
115
Page 603
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
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 2,234,504,080 (1,344,049,468) (153,835,873) 143,268,473 879,887,212 Fire
Pengangkutan 529,769,855 (124,037,548) 13,209,284 (35,617,485) 383,324,106 Marine cargo
Rekayasa 280,892,610 (140,464,161) 177,638,071 (173,862,892) 144,203,628 Engineering
Rangka kapal 512,692,469 (308,487,124) (145,233,054) 122,201,520 181,173,811 Marine hull
Offshore 547,512,373 (453,856,571) 8,054,959 (9,067,529) 92,643,232 Offshore
Onshore 231,872,903 (153,706,612) 2,281,945 1,580,012 82,028,248 Onshore
Penerbangan 753,672,807 (695,169,516) 239,706,263 (255,907,523) 42,302,031 Aviation
Lainnya 1,614,663,122 (299,151,914) (216,114,342) (60,033,994) 1,039,362,872 Miscellaneous
Jumlah 6,705,580,219 (3,518,922,914) (74,292,747) (267,439,418) 2,844,925,140 Total
Pemegang polis dengan kontribusi terhadap Policyholder 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:
2023 2022
Rp Rp
Premi bruto 1,624,840,603 1,269,990,818 Gross premium
Persentase 21.08% 18.94% Percentage
31. Beban Komisi, Neto 31. Commission Expense, Net
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 (610,905,861) (470,367,564) Total
116
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Komisi
reasuransi
diterima/ Komisi Pendapatan (beban)
Reinsurance dibayar/ komisi neto/
commissions Commissions Net commission
received paid income (expense)
Kebakaran 184,896,991 (363,105,576) (178,208,585) Fire
Rekayasa 16,155,528 (53,449,857) (37,294,329) Engineering
Pengangkutan 34,907,706 (69,453,831) (34,546,125) Marine cargo
Rangka kapal 29,578,922 (48,598,940) (19,020,018) Marine hull
Onshore 9,195,669 (16,945,054) (7,749,385) Onshore
Penerbangan 16,070,513 (6,814,922) 9,255,591 Aviation
Offshore 62,047,220 (32,165,979) 29,881,241 Offshore
Lainnya 39,035,542 (303,487,233) (264,451,691) Miscellaneous
Jumlah 391,888,091 (894,021,392) (502,133,301) Total
32. Beban Klaim Neto 32. Net Claim Expenses
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
31 Desember/December 31, 2022
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 798,140,272 (417,717,771) 871,555,506 (750,330,605) 501,647,402 Fire
Rekayasa 83,402,911 (17,606,539) 139,142,613 (75,623,739) 129,315,246 Engineering
Rangka kapal 135,539,451 (60,715,774) 97,927,765 (47,873,734) 124,877,708 Marine hull
Pengangkutan 105,037,312 (9,901,935) 41,441,761 (34,675,414) 101,901,724 Marine cargo
Onshore 29,529,530 (2,357,049) 13,905,563 4,484,992 45,563,036 Onshore
Penerbangan 335,509,601 (323,355,308) (139,115,968) 160,275,651 33,313,976 Aviation
Offshore 64,432,595 (37,346,502) (59,928,996) 59,630,945 26,788,042 Offshore
Lainnya 733,034,123 (103,263,436) 197,707,738 (118,537,416) 708,941,009 Miscellaneous
Jumlah 2,284,625,795 (972,264,314) 1,162,635,982 (802,649,320) 1,672,348,143 Total
117
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
33. Pendapatan Investasi 33. Investment Income
a. Berdasarkan jenis pendapatan a. Based on type of investment income
investasi
2023 2022
Rp Rp
Penghasilan bunga Interest income
- Obligasi 319,239,948 172,137,382 Bonds -
- Deposito berjangka 127,557,965 49,420,058 Time deposits -
Laba (rugi) selisih perubahan nilai wajar Gain (loss) on revaluation increment of
properti investasi 24,705,589 (690,480) investment property
Keuntungan dari perubahan Gain on changes in fair
nilai wajar efek 63,041,616 121,480,217 value of marketable securities
Penghasilan dividen 39,986,423 7,802,140 Dividend income
Lain-lain 5,298,497 2,242,013 Others
Jumlah 579,830,038 352,391,330 Total
b. Berdasarkan penempatan investasi b. Based on investment placement
2023 2022
Rp Rp
Pendapatan obligasi 303,121,922 172,137,382 Income from bonds
Laba (rugi) selisih perubahan nilai Gain (loss) on revaluation increment
wajar properti investasi (Catatan 5f) 24,705,589 (690,480) of investment property (Note 5f)
Pendapatan reksadana 37,124,512 75,575,684 Income from mutual fund
Pendapatan deposito berjangka 127,557,965 49,420,058 Income from time deposits
Pendapatan saham 81,292,279 45,904,533 Income from shares
Pendapatan penyertaan langsung 729,275 7,802,140 Direct participation income
Lain-lain 5,298,496 2,242,013 Others
Jumlah 579,830,038 352,391,330 Total
34. Pendapatan Usaha Lainnya 34. Other Operating Revenues
2023 2022
Rp Rp
Usaha sewa 212,806,882 223,710,855 Rental business
Jasa survei 86,643,986 111,911,164 Survey fee
Penjualan kendaraan 102,639,730 63,088,023 Sales of vehicles
Jumlah 402,090,598 398,710,042 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
2023 2022
Rp Rp
Gaji dan tunjangan 525,735,146 375,679,301 Salaries and allowance
Penyusutan dan amortisasi Depreciation and amortization
(catatan 10 11 dan 12) 40,720,001 102,144,043 (notes 10 11 and 12)
Jasa profesional 79,588,685 84,106,639 Professional services
Umum 28,447,038 72,496,311 General
Pemasaran 66,733,064 39,674,175 Marketing
Imbalan kerja (catatan 22) 46,003,729 43,801,376 Pension benefits (notes 22)
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
Penyisihan (Pemulihan) kerugian Allowance (recovery) for impairment
penurunan nilai dan hapus buku piutang (17,391,969) 20,721,872 losses and write-off receivable
Perlengkapan kantor 13,803,349 12,666,042 Office supplies
Supervisi 18,668,527 12,245,014 Supervision
Pemeliharaan dan perbaikan 7,832,728 6,809,583 Repairs and maintenance
Lain-lain (masing-masing di bawah Others (each below
500.000) 2,080,658 791,491 500,000)
Jumlah 812,220,956 771,135,847 Total
Beban usaha sebelum eliminasi terdiri dari Operating expenses before elimination consist
beban usaha Perseroan sebesar of operating expenses of the Company
Rp575.416.048 dan Rp514.369.266, amounting to Rp575.416.048 and
masing-masing untuk tahun 2023 dan 2022. Rp514,369,266 in 2023 and 2022,
Beban usaha entitas anak (TRI) sebesar respectively. Operating expenses of the
Rp123.173.936 dan Rp121.748.540 masing- subsidiary (TRI) amounting Rp123.173.936
masing untuk tahun 2023 dan 2022. Beban and Rp121,748,540 in 2023 and 2022,
usaha entitas anak (TIC) sebesar respectively. Operating expenses of the
Rp65.142.170 (beban asuransi subsidiary (TIC) amounting Rp65,142,170
Rp27.889.393 dan beban manajemen (insurance expense amounted Rp27,889,393
Rp37.242.777) dan Rp47.948.929 (beban and managemenet expense amounted
asuransi Rp25.088.335 dan beban Rp37,242,777) and Rp47,948,929 (insurance
manajemen Rp22.860.593) masing- masing expense amounted Rp25,088,335 and
untuk tahun 2023 dan 2022. managemenet expense amounted
Rp22,860,593) in 2023 and 2022,
respectively.
36. Beban Usaha Lainnya 36. Other Operating Expenses
2023 2022
Rp Rp
Penyusutan dan amortisasi Depreciation and amortization
(catatan 10, 11, dan 12) 64,563,523 58,914,995 (notes 10, 11 and 12)
Jasa pihak ketiga 67,158,928 57,484,699 Third parties’ services
Harga pokok penjualan Kendaraan 81,526,083 43,566,201 Cost of vehicles
Umum 34,756,979 30,235,572 General
Gaji dan tunjangan 18,654,131 20,441,981 Salaries and allowance
Perbaikan dan pemeliharaan 18,211,768 20,420,335 Repairment and maintainance
Pemasaran 11,785,952 9,376,720 Marketing
Lainnya (masing-masing di bawah Others (each other
8.000.000) 1,606,618 18,328,897 8,000,000)
Jumlah 298,263,982 258,769,400 Total
37. Pendapatan (Beban) Lain-Lain - Neto 37. Other Income (Expenses) - Net
2023 2022
Rp Rp
Keuntungan (kerugian) kurs mata Gain (Loss) on foreign
uang asing, neto (2,835,945) 144,567,123 exchange, net
Pendapatan unit syariah 9,143,977 4,697,539 Sharia unit revenue
Pendapatan Jasa Giro 2,682,564 1,650,819 Interest on current account
Keuntungan penjualan aset tetap 6,557 79,271 Gain on sale of fixed assets
Beban bunga - sewa modal (19,075) (54,008) Interest expense - capital lease
Beban Bank (2,569,083) (1,647,602) Bank charges
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
Beban bunga pinjaman (catatan 23) (12,804,817) (3,414,322) Borrowing interest expense (note 23)
Beban bunga pembiayaan dan sewa (5,278,681) (8,933,293) Finance and lease interest expenses
Keuntungan (Kerugian) litigasi 84,407,040 (50,000,000) Gain (Loss) on litigation
Laba/(rugi) lainnya (masing-masing Gain/(loss) others (each below
1.000.000) 981,867,963 21,564,077 1,000,000)
Jumlah 1,054,600,500 108,509,604 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.
Sehingga, tahun 2023 Perseroan telah Thus, in 2023 the Company has realized the
merealisasikan pencadangan biaya atas cost reserve for the case amounting to
kasus tersebut sebesar Rp84.407.040 Rp84,407,040 as other income.
sebagai pendapatan lain-lain.
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
2023 2022
Rp Rp
Laba tahun berjalan Income for the year
yang dapat diatribusikan attributable to equity holders
kepada pemilik entitas induk 1,322,393,811 347,150,768 of the parent entity
Rata-rata tertimbang saham Weighted average number of
biasa yang beredar (nilai penuh) 3,555,575,600 1,777,787,800 outstanding common stock (full amount)
Laba per saham Earning per share
dasar dan dilusian (nilai penuh) 372 195 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 2023 dan ordinary shares during the period of 2023 and
2022. Oleh karena itu, opsi saham yang 2022. 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.
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 2023 dan 2022 December 31, 2023 and 2022
(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 2023 dan 2022 31, 2023 and 2022 are as follows:
adalah sebagai berikut:
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2023 2022 2023 2022
Rp Rp % %
Kas dan bank 303,107,902 534,690,138 56.35 87.80 Cash and bank
Deposito berjangka 2,548,909,034 1,565,826,313 82.75 85.25 Time deposits
Saham 126,713,546 145,365,491 47.16 43.20 Shares
Obligasi 4,547,337,890 3,509,041,974 95.18 94.64 Bonds
Reksa dana 424,488,483 274,769,709 41.41 28.86 Mutual fund
Piutang premi dan sesi 684,887,484 371,849,700 3.17 1.72 Premium and cession receivable
Piutang koasuransi 143,420,266 54,600,728 111.19 42.33 Coinsurance receivable
Piutang reasuransi Reinsurance and
dan retrosesi 215,002,738 102,611,817 32.80 14.54 retrocession receivable
Utang klaim 32,243,894 18,678,186 10.28 4.80 Claim payable
Utang koasuransi 32,523,770 19,349,791 44.21 26.30 Coinsurance payable
Utang reasuransi Reinsurance and
dan retrosesi 49,859,966 62,928,324 2.64 2.86 retrocession payable
Utang pembiayaan Consumer finance
konsumen dan sewa pembiayaan 503,985 4,447,768 1.11 6.48 and leases payables
Pinjaman diterima 287,256,970 121,346,712 97.00 100.00 Borrowings
Estimasi klaim 149,725,560 207,502,332 6.55 11.53 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
2023 2022 2023 2022
Rp Rp % %
Kas dan bank (catatan 4)/
Cash and bank (note 4)
Rupiah/ Rupiah
PT Bank Rakyat Indonesia (Persero) Tbk 121,078,626 343,383,288 22.51 56.39
PT Bank Syariah Indonesia Tbk 17,564,222 21,104,569 3.27 3.47
PT Bank Pembangunan
Daerah Jawa Barat dan Banten Syariah 10,883,208 10,004,108 2.02 1.64
PT Bank Mandiri (Persero) Tbk 65,016,437 121,920,504 12.09 20.02
PT Bank Negara Indonesia (Persero) Tbk 5,503,669 4,021,610 1.02 0.66
PT Bank Tabungan Negara (Persero) Tbk 1,951,913 7,235 0.36 0.00
PT Bank DKI 1,558,402 3,009,879 0.29 0.49
PT Bank Pembangunan Daerah Jawa Tengah 5,125 5,425 0.00 0.00
PT Bank Pembangunan
Daerah Jawa Barat dan Banten Tbk 11,664,563 6,907,826 2.17 1.13
PT Bank Mandiri Taspen 9,528 -- 0.00 --
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 2023 dan 2022 December 31, 2023 and 2022
(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
2023 2022 2023 2022
Rp Rp % %
Dolar Amerika Serikat/ United States Dollar
PT Bank Mandiri (Persero) Tbk 66,509,729 23,136,413 12.37 3.80
PT Bank Syariah Indonesia Tbk 191,294 525,069 0.04 0.09
PT Bank Rakyat Indonesia (Persero) Tbk 1,098,965 553,382 0.20 0.09
PT Bank Pembangunan
Daerah Jawa Barat dan Banten Tbk 8,506 8,963 0.00 0.00
PT Bank DKI 14,722 -- 0.00 --
PT Bank Negara Indonesia (Persero) Tbk -- 56,074 -- 0.01
PT Bank Tabungan Negara (Persero) Tbk 4,325 -- 0.00 --
Dolar Hongkong/ Hongkong Dollar
PT Bank Negara Indonesia (Persero) Tbk 44,668 45,793 0.01 0.01
Jumlah/ Total 303,107,902 534,690,138 49.77 87.80
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2023 2022 2023 2022
Rp Rp % %
Deposito berjangka (catatan 5)/
Time deposits (note 5)
Rupiah/ Rupiah
PT Bank Tabungan Negara (Persero) Tbk 1,037,800,000 319,763,000 33.69 17.41
PT Bank Rakyat Indonesia (Persero) Tbk 506,700,651 569,721,074 16.45 31.02
PT Bank Pembangunan
Daerah Jawa Barat dan Banten Tbk 301,000,000 111,550,000 9.77 6.07
PT Bank Syariah Indonesia Tbk 118,500,000 26,000,000 3.85 1.42
PT Bank Mandiri (Persero) Tbk 6,352,400 10,352,400 0.21 0.56
PT Bank DKI 1,500,000 1,500,000 0.05 0.08
PT Bank Negara Indonesia (Persero) Tbk -- 35,140,359 -- 1.91
Dolar Amerika Serikat/ United States Dollar
PT Bank Rakyat Indonesia (Persero) Tbk 320,652,800 98,318,750 10.41 5.35
PT Bank Mandiri (Persero) Tbk 114,078,400 167,777,976 3.70 9.13
PT Bank Tabungan Negara (Persero) Tbk 49,331,200 -- 1.60 --
PT Bank Negara Indonesia (Persero) Tbk 16,330,228 15,880,441 0.53 0.86
PT Bank Pembangunan
Daerah Jawa Barat dan Banten Tbk 12,332,800 132,533,675 0.40 7.22
PT Bank Syariah Indonesia Tbk 4,239,400 4,326,025 0.14 0.24
Dolar Hongkong/ Hongkong Dollar
PT Bank Mandiri (Persero) Tbk 35,714,110 48,517,850 1.16 2.64
China Yuan/ Chinese Yuan
PT Bank Mandiri (Persero) Tbk 24,377,045 24,444,763 0.79 1.33
Jumlah/ Total 2,548,909,034 1,565,826,313 82.75 85.25
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 2023 dan 2022 December 31, 2023 and 2022
(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
2023 2022 2023 2022
Rp Rp % %
Obligasi (catatan 5)/ Bonds (note 5)
Nilai wajar melalui laba rugi/
Fair value through profit or loss
Rupiah/ Rupiah
Obligasi Negara RI FR 0087 -- 121,365,724 -- 3.27
Obligasi Negara RI FR 0086 -- 98,090,571 -- 2.65
Obligasi Negara RI FR 0090 -- 73,032,106 -- 1.97
Obligasi Negara RI FR 0059 -- 25,633,950 -- 0.69
Obligasi Negara RI FR 0070 -- 10,067,129 -- 0.27
Obligasi Negara RI FR 0082 -- 8,832,450 -- 0.24
Obligasi Negara RI FR 0078 -- 4,642,529 -- 0.13
Obligasi Negara RI FR 0081 -- 3,389,045 -- 0.09
Sub-jumlah/ Sub-total -- 345,053,504 -- 9.31
Tersedia untuk dijual/ Available-for-sale
Rupiah/ Rupiah
Obligasi Negara RI FR0082 640,819,198 77,385,000 13.41 2.09
Obligasi Negara RI FR0070 446,393,873 61,983,348 9.34 1.67
Obligasi Negara RI FR0056 393,382,500 111,839,000 8.23 3.02
Obligasi Negara RI FR0078 263,459,102 139,750,000 5.51 3.77
Obligasi Negara RI FR0068 247,443,647 27,502,778 5.18 0.74
Obligasi Negara RI FR0087 220,630,514 -- 4.62 --
Obligasi Negara RI FR0059 213,719,573 194,657,160 4.47 5.25
Obligasi Negara RI FR0073 145,787,200 -- 3.05 --
Obligasi Negara RI FR0095 140,957,612 190,986,779 2.95 5.15
Obligasi Negara RI FR0052 101,858,050 102,850,000 2.13 2.77
Obligasi Negara RI FR0064 97,889,482 77,364,340 2.05 2.09
Obligasi Negara RI FR0071 58,786,063 59,077,312 1.23 1.59
Obligasi Berkelanjutan III
Bank BTN Thp II Tahun 2019 Sr C 55,458,150 56,558,700 1.16 1.53
Obligasi Negara RI FR0058 44,066,123 43,517,286 0.92 1.17
Obligasi Berkelanjutan II
PLN Thp III Tahun 2018 Sr E 43,706,382 42,636,040 0.91 1.15
Obligasi Berkelanjutan III
PLN Thp V Tahun 2019 Sr A 40,287,916 41,195,830 0.84 1.11
Obligasi Berkelanjutan I
Timah Thp II 2019 Sr B 34,891,150 35,194,250 0.73 0.95
Obligasi Negara RI FRSDG001 31,067,400 -- 0.65 --
Obligasi Berkelanjutan II Pupuk
Indonesia Thp I Tahun 2020 Sr B 30,198,900 30,770,100 0.63 0.83
Obligasi Negara RI FR0081 30,047,621 -- 0.63 --
SBSN Seri PBSG001 29,993,240 -- 0.63 --
Obligasi Berkelanjutan III
PLN Thp III Tahun 2019 Sr B 29,948,700 31,341,600 0.63 0.85
Obligasi Bkjt II Mayora
Indah Thp II Thn 2022 Sr A 29,715,900 59,176,871 0.62 1.60
Obligasi Berkelanjutan II
Protelindo Tahap II Th 2021 Sr B 29,656,200 -- 0.62 --
Obligasi Negara PBS Ijaroh 036 29,483,600 -- 0.62 --
Obligasi Berkelanjutan I Kereta
Api Indonesia Thp I Thn 2022 Sr B 28,665,900 53,984,950 0.60 1.46
Obligasi Berkelanjutan II
PLN Thp I Tahun 2017 Sr C 25,953,750 26,440,500 0.54 0.71
123
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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 2023 dan 2022 December 31, 2023 and 2022
(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
2023 2022 2023 2022
Rp Rp % %
Obligasi Negara RI FR0084 25,413,763 25,699,748 0.53 0.69
Obligasi Berkelanjutan VI Sarana
Multigriya Finansial Thp II Th 2021 24,659,000 24,635,250 0.52 0.66
Obligasi Negara RI FR0054 23,379,000 23,051,600 0.49 0.62
Obligasi Berkelanjutan I
Bank Mandiri Thp I Th 2016 Sr C 23,195,260 23,361,800 0.49 0.63
Obligasi I Marga Lingkar
Jakarta Tahun 2017 Sr D 21,213,200 21,849,600 0.44 0.59
Obligasi Berkelanjutan III
PLN Thp IV Tahun 2019 Sr B 20,908,800 21,000,000 0.44 0.57
Obligasi Berkelanjutan III
PLN Thp III Tahun 2019 Sr C 20,888,600 21,481,600 0.44 0.58
Obligasi Berkelanjutan II
PLN Thp II Tahun 2017 Sr C 20,680,400 20,754,400 0.43 0.56
Obligasi Berkelanjutan I Angkasa
Pura II Thp II Tahun 2020 Sr B 20,462,892 20,782,792 0.43 0.56
Obligasi Berkelanjutan II
Jasa Marga Thp I Tahun 2020 Sr B 20,408,400 20,638,400 0.43 0.56
Obligasi Subordinasi Berkelanjutan I
Bank BJB Thp I Tahun 2017 Sr B 20,300,968 20,745,345 0.42 0.56
Obligasi Berkelanjutan I Semen
Indonesia Thp II Tahun 2019 Sr A 20,293,000 20,831,200 0.42 0.56
Obligasi Berkelanjutan V Sarana
Multigriya Finansial Thp I 2019 Sr C 20,223,800 20,798,600 0.42 0.56
Obligasi IV Waskita Karya
Tahun 2022 Sr A 19,972,400 19,467,800 0.42 0.53
Obligasi Berkelanjutan I Bank Mandiri
Taspen Thp II Tahun 2021 Sr A 19,957,693 19,937,417 0.42 0.54
Obligasi I Angkasa
Pura II Tahun 2016 Sr C 18,524,347 19,150,020 0.39 0.52
Obligasi Negara PBS Ijaroh 017 17,820,000 17,784,000 0.37 0.48
Obligasi VII Danareksa Thn 2023 Seri A 16,966,203 -- 0.36 --
Obligasi Negara RI FR 0065 16,643,343 16,073,145 0.35 0.43
Obligasi VII Danareksa Thn 2023 Seri B 16,028,551 -- 0.34 --
Obligasi Subordinasi Berkelanjutan I
Bank Sumut Thp I Tahun 2018 15,194,923 15,174,705 0.32 0.41
Obligasi Berkelanjutan I Bank Mandiri
Taspen Thp I Tahun 2019 Sr B 15,109,111 15,266,512 0.32 0.41
Obligasi Berkelanjutan VI Sarana
Multigriya Finansial Thp III Thn 2022 15,076,500 15,573,750 0.32 0.42
(Green Bond) I PT BNI (Persero)
Tbk Tahun 2022 Sr B 12,848,423 13,057,467 0.27 0.35
MTN II BRI Finance Tahun 2021 12,391,750 12,452,250 0.26 0.34
Obligasi Negara PBS Ijaroh 032 12,303,970 12,226,990 0.26 0.33
Obligasi Berkelanjutan V
Pegadaian Thp I Tahun 2022 Sr B 11,826,240 11,753,280 0.25 0.32
Obligasi Berkelanjutan IV
PNM Thp II Tahun 2022 Sr B 11,822,880 11,989,680 0.25 0.32
Obligasi Berkelanjutan I Angkasa
Pura II Thp II Tahun 2020 Sr D 10,773,600 11,185,900 0.23 0.30
Obligasi Berkelanjutan I Semen
Indonesia Thp II Tahun 2019 Sr B 10,726,600 10,828,300 0.22 0.29
Berkelanjutan Thp IV
Tahun 2017 Sr E 10,652,190 10,848,418 0.22 0.29
Obligasi Berkelanjutan I Angkasa
Pura II Thp II Tahun 2020 Sr C 10,622,276 10,661,505 0.22 0.29
124
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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 2023 dan 2022 December 31, 2023 and 2022
(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
2023 2022 2023 2022
Rp Rp % %
Sukuk Ijarah Berkelanjutan I
Elnusa Thp I Tahun 2020 10,378,100 10,472,700 0.22 0.28
Obligasi Berkelanjutan III
PLN Thp V 2019 Sr B 10,336,751 10,481,941 0.22 0.28
Obligasi Negara RI FR0077 10,064,357 -- 0.21 --
Obligasi I BRI Finance Tahun 2022 9,911,400 10,283,000 0.21 0.28
Obligasi Berkelanjutan IV
PNM Thp I Tahun 2021 Sr B 9,908,500 9,949,200 0.21 0.27
Obligasi Negara RI FR0086 9,830,248 39,236,228 0.21 1.06
Obligasi Negara RI FR 0062 9,825,483 8,940,050 0.21 0.24
Obligasi Berkelanjutan IV
PNM Thp I Tahun 2021 Sr C 7,876,720 7,773,440 0.16 0.21
Obligasi Berkelanjutan III
PLN Thp VII Tahun 2020 Sr D 7,641,800 7,615,347 0.16 0.21
Obligasi Berkelanjutan I
Telkom Thp I Tahun 2015 Sr D 6,692,189 6,433,515 0.14 0.17
Obligasi Negara RI FR 0045 6,264,300 6,027,017 0.13 0.16
Berkelanjutan PT Bank BRI
Thp I Tahun 2022 Sr C 5,891,221 5,847,557 0.12 0.16
Obligasi Berkelanjutan I
Telkom Tahun 2015 Sr C 5,848,727 5,869,811 0.12 0.16
Obligasi I Pelindo IV
Gerbang Nusantara Tahun 2018 Sr C 5,418,203 5,465,390 0.11 0.15
Obligasi Berkelanjutan III
Bank BTN Thp I Tahun 2017 Sr D 5,290,700 5,281,950 0.11 0.14
Obligasi Berkelanjutan II
Bank BRI Thp II Tahun 2017 Sr D 5,274,500 5,319,500 0.11 0.14
Obligasi Berkelanjutan II
Jasa Marga Thp I Tahun 2020 Sr C 5,195,700 5,188,450 0.11 0.14
Obligasi I Kereta Api Indonesia
Tahun 2017 Sr B 3,064,042 3,127,210 0.06 0.08
Obligasi I Pelindo 1 Gerbang
Nusantara Tahun 2016 Sr D 1,055,771 1,082,418 0.02 0.03
Obligasi Negara RI FR0063 -- 369,076,559 -- 9.95
Obligasi Negara RI FR0046 -- 56,100,000 -- 1.51
Obligasi Berkelanjutan II
Bank BRI Thp IV Tahun 2018 Sr A -- 50,312,000 -- 1.36
Obligasi Berkelanjutan I
Bank Mandiri Thp III Tahun 2018 -- 35,803,600 -- 0.97
Obligasi Negara RI FR0090 -- 33,600,000 -- 0.91
Obligasi Berkelanjutan I Kereta Api
Indonesia Thp I Tahun 2022 Sr A -- 19,094,810 -- 0.52
Obligasi Berwawasan Lingkungan
Obligasi Indonesia Eximbank III
MTN Subordinasi I
Bank Mandiri Tahun 2018 -- 10,139,100 -- 0.27
Obligasi Negara RI FR 0087 -- 9,740,000 -- 0.26
Obligasi I Pelindo 1
Gerbang Nusantara Tahun 2016 Sr C -- 6,111,929 -- 0.16
Obligasi Berwawasan Lingkungan
Obligasi Negara RI FR 0072 -- 5,472,525 -- 0.15
Sukuk Mudharabah Subordinasi I
BRISyariah Tahun 2016 -- 5,090,783 -- 0.14
Obligasi Berkelanjutan II
Jasa Marga Thp I Tahun 2020 Sr A -- 5,065,350 -- 0.14
Obligasi Berkelanjutan I
Bank BTN Thp II Tahun 2013 -- 2,010,014 -- 0.05
125
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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 2023 dan 2022 December 31, 2023 and 2022
(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
2023 2022 2023 2022
Rp Rp % %
Dolar Amerika Serikat/ United States Dollar
Eurobonds Indonesia 2026 92,688,402 94,974,708 1.94 2.56
Eurobonds Indonesia 2025 74,954,866 76,475,090 1.57 2.06
Obligasi Negara
RI INDON 24 38,323,108 38,938,969 0.80 1.05
Eurobonds Indonesia 2033 31,589,645 -- 0.66 --
Eurobonds Indonesia 2024 30,845,461 31,893,765 0.65 0.86
PLNIJ @525% 29,206,537 26,590,109 0.61 0.72
Eurobonds Indonesia 2042 24,205,278 23,225,669 0.51 0.63
Eurobonds Indonesia 2043 14,000,040 -- 0.29 --
Eurobonds Indonesia 2038 9,929,664 9,492,378 0.21 0.26
Obligasi Negara
RI INDON 26 7,715,531 7,870,799 0.16 0.21
Obligasi Negara
RI INDOIS 31 6,734,024 6,680,517 0.14 0.18
Standard Chartered PLC @3.971% 6,009,958 5,981,555 0.13 0.16
Eurobonds Indonesia 2041 3,810,835 -- 0.08 --
Obligasi Negara
RI INDON 23 -- 62,778,016 -- 1.69
Bond Pertamina Tahun 2043 -- 18,683,709 -- 0.50
Bond Pertamina Tahun 2044 -- 5,118,474 -- 0.14
Sub-jumlah/ Sub-total 4,547,337,890 3,163,988,470 85.34 85.34
Jumlah/ Total 4,547,337,890 3,509,041,974 94.64 94.64
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2023 2022 2023 2022
Rp Rp % %
Saham (catatan 5)/ Shares (note 5)
Nilai wajar melalui laba rugi/
Fair value through profit or loss
PT Bank Mandiri (Persero) Tbk 13,364,958 10,463,848 4.97 3.11
PT Bank Rakyat Indonesia (Persero) Tbk 11,870,982 12,434,642 4.42 3.70
PT Telkom Indonesia (Persero) Tbk 9,974,935 9,544,875 3.71 2.84
PT Bank Negara Indonesia (Persero) Tbk 4,978,325 4,192,763 1.85 1.25
PT Semen Gresik (Persero) Tbk 2,668,160 1,476,088 0.99 0.44
PT Perusahaan Gas Negara Tbk 2,570,750 3,562,240 0.96 1.06
PT Aneka Tambang (Persero) Tbk 2,351,717 3,087,878 0.88 0.92
PT Jasa Marga (Persero) Tbk 723,317 442,605 0.27 0.13
PT Indocement Tunggal Prakarsa Tbk 702,180 739,530 0.26 0.22
PT Wijaya Karya (Persero) Tbk 454,520 1,515,066 0.17 0.45
PT Waskita Karya (Persero) Tbk 269,747 686,768 0.10 0.20
PT Adhi Karya (Persero) Tbk 266,268 413,057 0.10 0.12
PT Wijaya Karya Beton Tbk 180,641 319,467 0.07 0.09
PT Pembangunan Perumahan (Persero) Tbk 105,374 176,033 0.04 0.05
PT Waskita Beton Precast Tbk 63,542 172,473 0.02 0.05
PT Tambang Batubara Bukit Asam Tbk -- 564,201 -- 0.17
PT Timah Tbk -- 242,878 -- 0.07
Sub-jumlah/ Sub-total 50,545,416 50,034,412 18.81 14.87
126
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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 2023 dan 2022 December 31, 2023 and 2022
(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
2023 2022 2023 2022
Rp Rp % %
Tersedia untuk dijual/ Available-for-sale
PT Telkom Indonesia (Persero) Tbk 32,228,840 45,498,750 12.00 13.52
PT Perusahaan Gas Negara Tbk 10,186,611 15,172,080 3.79 4.51
PT Semen Indonesia (Persero) Tbk 4,618,880 4,745,178 1.72 1.41
PT Bank Tabungan Negara (Persero) Tbk 4,329,500 4,675,864 1.61 1.39
PT Jasa Marga (Persero) Tbk 3,729,894 2,663,798 1.39 0.79
PT Bank Rakyat Indonesia (Persero) Tbk 3,624,590 2,343,121 1.35 0.70
PT Bank Mandiri (Persero) Tbk 3,489,035 3,242,498 1.30 0.96
PT Indocement Tunggal Prakarsa Tbk 3,384,000 -- 1.26 --
PT Aneka Tambang Tbk 2,667,164 4,410,708 0.99 1.31
PT Bank Negara Indonesia (Persero) Tbk 2,515,500 2,199,240 0.94 0.65
PT Semen Gresik (Persero) Tbk 2,184,320 2,244,048 0.81 0.67
PT Pembangunan Perumahan (Persero) Tbk 2,080,580 3,475,735 0.77 1.03
PT Tambang Batubara Bukit Asam Tbk 448,228 423,243 0.17 0.13
PT Waskita Karya (Persero) Tbk 394,829 841,977 0.15 0.25
PT Timah Tbk 155,252 281,619 0.06 0.08
PT Waskita Beton Precast Tbk 70,000 70,000 0.03 0.02
PT Wijaya Karya Beton Tbk 32,314 57,147 0.01 0.02
PT Wijaya Karya (Persero) Tbk 14,936 49,786 0.01 0.01
PT Adhi Karya (Persero) Tbk 13,657 21,187 0.01 0.01
PT Bukit Asam Tbk -- 2,915,100 -- 0.87
Sub-jumlah/ Sub-total 76,168,130 95,331,079 28.35 28.33
Jumlah/ Total 126,713,546 145,365,491 47.16 43.20
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2023 2022 2023 2022
Rp Rp % %
Piutang premi dan sesi (catatan 6)/
Premium and cession receivable (note 6)
Perseroan/ The company
PT Pertamina Patra Niaga 121,671,276 138,371,998 5.86 6.67
PT Kilang Pertamina Internasional 218,283,911 83,399,956 10.52 4.02
PT Perusahaan Gas Negara (Persero) Tbk 49,337,297 50,841,493 2.38 2.45
PT Pelita Air Service 30,033,985 20,598,532 1.45 0.99
PT Pupuk Kalimantan Timur 41,654,913 -- 2.01 --
PT Pertamina Drilling Service Indonesia 33,075,526 80,146 1.59 0.00
PT Petrokimia Gresik 16,734,974 -- 0.81 --
PT Garuda Indonesia (Persero) Tbk 16,143,516 11,011,932 0.78 0.53
PT Pupuk Sriwidjaja Palembang 15,473,766 -- 0.75 --
PT Pupuk Iskandar Muda 12,977,967 -- 0.63 --
PT Pupuk Kujang Cikampek 7,664,100 -- 0.37 --
PT Elnusa Petrofin Indonesia 5,136,052 2,873,643 0.25 0.14
PT Prima Armada Raya 4,086,951 3,972,962 0.20 0.19
PT Pertamina International Shipping 2,142,220 5,756,864 0.10 0.28
PT Patra Trading 1,709,304 911,333 0.08 0.04
PT Pertamina Lubricants 1,608,141 678,873 0.08 0.03
PT Pertamina (Persero) Tbk 1,569,062 124,870 0.08 0.01
127
Page 615
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 2023 dan 2022 December 31, 2023 and 2022
(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
2023 2022 2023 2022
Rp Rp % %
Pertamina International Shipping Pte Ltd 1,116,667 9,147,955 0.05 0.44
PT Patra Drilling Contractor 1,047,859 1,182,210 0.05 0.06
PT Rekayasa Industri 954,122 920,495 0.05 0.04
PT BRI Multifinance Indonesia 936,422 496,797 0.05 0.02
PT Kilang Pertamina Balikpapan 390,742 879,707 0.02 0.04
PT Freeport Indonesia -- 4,326,025 -- 0.21
PT Geo Dipa Energi (Persero) -- 73,979 -- 0.00
Lainnya (dibawah 100.000)/
Others (below 100,000) 62,565,815 14,636,810 3.01 0.71
Sub-jumlah/ Sub-total 646,314,588 350,286,580 31.14 16.88
Entitas anak/ Subsidiaries
PT Asuransi Jasa Indonesia 26,088,614 9,864,744 1.26 0.48
PT Asuransi Kredit Indonesia 4,169,206 12,445,388 0.20 0.48
PT Asuransi Samsung Tugu 8,315,076 11,698,376 0.40 0.56
Sub-jumlah/ Sub-total 38,572,896 34,008,508 1.86 1.04
Jumlah/ Total 684,887,484 371,849,700 3.17 1.72
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2023 2022 2023 2022
Rp Rp % %
Piutang koasuransi(catatan 7)/
Coinsurance receivable (note 7)
PT BRI Asuransi Indonesia 76,716,357 -- 59.48 --
PT Asuransi Jasa Indonesia 55,576,885 54,600,728 43.09 42.33
PT Asuransi ASEI Indonesia 4,753,588 -- 3.69 --
PT Asuransi Kredit Indonesia 2,958,751 -- 2.29 --
Lainnya (dibawah 100.000)/
Others (below 100,000) 3,414,685 -- 2.65 --
Jumlah/ Total 143,420,266 54,600,728 111.19 42.33
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2023 2022 2023 2022
Rp Rp % %
Piutang reasuransi dan
retrosesi (catatan 8)/ reinsurance
and retrocession receivable (note 8)
Perseroan/ The company
PT Reasuransi Indonesia Utama 107,580,957 70,704,665 16.41 18.23
PT Reasuransi Nasional Indonesia 78,319,213 12,645,197 11.95 3.26
PT Asuransi Dharma Bangsa 11,727,531 12,139,650 1.79 3.13
PT Asuransi Jasa Indonesia 8,524,454 2,493,393 1.30 0.64
Lainnya (dibawah 100.000)/
Others (below 100,000) 2,693,512 744,027 0.41 0.19
128
Page 616
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 2023 dan 2022 December 31, 2023 and 2022
(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
2023 2022 2023 2022
Rp Rp % %
Entitas anak/ Subsidiaries
PT Reasuransi Nasional Indonesia 6,157,071 3,389,277 0.94 0.87
Lainnya (dibawah 100.000)/
Others (below 100,000) -- 495,608 -- 0.13
Sub-jumlah/ Sub-total 6,157,071 3,884,885 0.94 1.00
Jumlah/ Total 215,002,738 102,611,817 32.80 26.45
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2023 2022 2023 2022
Rp Rp % %
Utang klaim (catatan 14)/
Claim payable (note 14)
PT Pertamina Drilling Services Indonesia 13,522,417 5,481,340 4.31 4.25
PT Kilang Pertamina Internasional 7,246,558 -- 2.31 --
PT Asuransi Jiwasraya (Persero) 616921 3,119,310 0.20 2.42
PT BNI Life Insurance -- 2,996,375 -- 2.32
PT Asuransi Jiwa Inhealth Indonesia -- 1,090,692 -- 0.85
PT BRI Asuransi Indonesia -- 4,171,410 -- 3.23
PT Pertamina (Persero) -- 1,637,530 -- 1.27
Lainnya (dibawah 100.000)/
Others (below 100,000) 10,857,998 181,529 3.46 0.14
Jumlah/ Total 32,243,894 18,678,186 10.28 14.47
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2023 2022 2023 2022
Rp Rp % %
Utang koasuransi (catatan 15)/
Coinsurance payable (note 15)
PT Asuransi Jasa Indonesia 23,997,050 981,213 32.62 2.09
PT BRINS General Insurance 5,433,711 16,085,520 7.39 34.31
PT Asuransi Jasa Raharja Putra 1,450,572 42,047 1.97 0.09
PT Garuda Indonesia (Persero) Tbk 388,525 396,463 0.53 0.85
PT Asuransi Dharma Bangsa 161,399 171,984 0.22 0.37
PT Asuransi Kredit Indonesia 57,880 2,689 0.08 0.01
PT Asuransi Bringin Sejahtera Artamakmur 16,868 24,342 0.02 0.05
PT Asuransi ASEI Indonesia 13,030 896,583 0.02 1.91
Lainnya (dibawah 100.000)/
Others (below 100,000) 1,004,735 748,950 1.37 1.60
Jumlah/ Total 32,523,770 19,349,791 44.21 41.27
129
Page 617
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 2023 dan 2022 December 31, 2023 and 2022
(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
2023 2022 2023 2022
Rp Rp % %
Utang reasuransi dan retrosesi
(catatan 17)/ Reinsurance and
retrocession payable (note 17)
Perseroan/ The company
PT Reasuransi Indonesia Utama 47,607,540 35,177,093 2.52 2.41
PT Asuransi Dharma Bangsa 1,099,977 11,971,414 0.06 0.82
PT Reasuransi Nasional Indonesia 683,967 14,561,879 0.04 1.00
Lainnya (dibawah 100.000)/
Others (below 100,000) -- 1,217,938 -- 0.08
Sub-jumlah/ Sub-total 49,391,484 62,928,324 2.61 4.31
Entitas anak/ Subsidiaries
PT Reasuransi Indonesia Utama 468,482 -- 0.02 --
Sub-jumlah/ Sub-total 468,482 -- 0.02 0.00
Jumlah/ Total 49,859,966 62,928,324 2.64 4.31
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2023 2022 2023 2022
Rp Rp % %
Estimasi klaim (catatan 16)/
Estimated claims (note 16)
Perseroan/ The company
PT Pertamina (Persero) 67,651,178 57,987,556 2.96 3.22
PT Pertamina Patra Niaga 26,228,089 26,975,185 1.15 1.50
SKK Migas 23,554,855 15,295,505 1.03 0.85
PT Elnusa Petrofin 18,910,317 5,777,432 0.83 0.32
PT Pertamina Drilling
Service Indonesia 4,191,206 5,215,894 0.18 0.29
PT Swadharma Sarana Informatika 3,579,855 7,483,542 0.16 0.42
PT Wijaya Karya (Persero) Tbk 2,307,562 1,372,169 0.10 0.08
PT Hutama Karya (Persero) 1,312,031 1,312,149 0.06 0.07
PT Pupuk Kalimantan Timur 1,007,247 8,000,672 0.04 0.44
PT Pertamina Hulu Energi
West Madura Offshore 419,379 8,759,801 0.02 0.49
PT Perusahaan Listrik
Negara (Persero) 290,651 3,324,754 0.01 0.18
PT Bank Mandiri (Persero) Tbk 273,190 3,325,628 0.01 0.18
PT Aneka Gas Industri Tbk -- 21,116,580 -- 1.17
PT PP Properti (Persero) -- 7,141,447 -- 0.40
PT Pertamina Hulu Energi
Offshore Southeast Sumatra -- 1,989,972 -- 0.11
Sub-jumlah/ Sub-total 149,725,560 175,078,286 6.55 9.73
Entitas anak/ Subsidiaries
PT Asuransi Jasaraharja Putera -- 32,424,046 -- 1.80
Sub-jumlah/ Sub-total -- 32,424,046 -- 1.80
Jumlah/ Total 149,725,560 207,502,332 6.55 11.53
130
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 2023 dan 2022 December 31, 2023 and 2022
(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
2023 2022 2023 2022
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 3,438,955 1.11 5.01
PT Mandiri Utama Finance -- 339,183 -- 0.49
PT BRI Multifinance Indonesia -- 669,630 -- 0.98
Jumlah/ Total 503,985 4,447,768 1.11 6.48
Persentase terhadap jumlah aset
atau liabilitas yang berhubungan/
Total/ Percentage of the related
Amount total assets or liability
2023 2022 2023 2022
Rp Rp % %
Pinjaman diterima (catatan 23)/
Borrowings (note 23)
PT Bank Pembangunan
Daerah Jawa Barat dan Banten Tbk 149,351,005 15,423,438 50.43 12.71
PT Bank Mandiri (Persero) Tbk 75,338,655 105,321,901 25.44 86.79
PT Bank Syariah Indonesia Tbk 62,504,333 -- 21.11 --
PT Bank Rakyat Indonesia (Persero) Tbk 62,977 601,373 0.02 0.50
Jumlah/ Total 287,256,970 121,346,712 97.00 100.00
Saldo piutang premi dari pihak berelasi Outstanding balances of premium
tidak memiliki jaminan, tidak berbunga, receivables 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
Utang Klaim/Claim Payable
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 Hulu Energi Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
Entity controlled by parent entity Premium and cession receivable
Penutupan asuransi/Insurance premium
131
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 2023 dan 2022 December 31, 2023 and 2022
(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 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
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
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 Pertamina International Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
Shipping Entity controlled by parent entity Premium and cession receivable
Penutupan asuransi/Insurance premium
PT Asuransi Staco Mandiri Entitas asosiasi melalui entitas anak/ Piutang premi dan sesi/
Associate entity through subsidiaries 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 Training & Consulting Entitas yang dikendalikan oleh entitas induk/ Utang Klaim/Claim Payable
Entity controlled by parent entity 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 Kilang Pertamina Balikpapan Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
Entity controlled by parent entity Premium and cession receivable
Penutupan asuransi/Insurance premium
PT Geo Dipa Energi (Persero) Entitas yang dikendalikan oleh entitas induk/ Piutang premi dan sesi/
Entity controlled by parent entity Premium and cession receivable
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 Freeport Indonesia Company Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
Government - related entities Premium and cession receivable
Penutupan asuransi/Insurance premium
PT Prima Armada Raya Entitas yang dikendalikan oleh entitas induk/ Penutupan asuransi/Insurance premium
Entity controlled by parent entity
PT Elnusa Petrofin Indonesia Entitas yang dikendalikan oleh entitas induk/ Piutang koasuransi/Coinsurance receivable
Entity controlled by parent entity Piutang reasuransi dan retrosesi/
Reinsurance and retrocession receivable
Utang Koasuransi/Coinsurance Payable
Penutupan asuransi/Insurance premium
PT Asuransi Jasa Indonesia Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
Government - related entities Premium and cession receivable
Penutupan asuransi/Insurance premium
PT Rekayasa Industri Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
Government - related entities Premium and cession receivable
Penutupan asuransi/Insurance premium
PT Asuransi Ekspor Indonesia (Asei) Entitas berelasi dengan Pemerintah/ Utang Koasuransi/Coinsurance Payable
Government - related entities Penutupan asuransi/Insurance premium
PT Asuransi Dharma Bangsa Entitas berelasi dengan Pemerintah/ Utang Koasuransi/Coinsurance Payable
Government - related entities Utang reasuransi/Reinsurance Payable
Penutupan asuransi/Insurance premium
132
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 2023 dan 2022 December 31, 2023 and 2022
(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 Asuransi Jasa Raharja Putra Entitas berelasi dengan Pemerintah/ Utang Koasuransi/Coinsurance Payable
Government - related entities Penutupan asuransi/Insurance premium
PT Reasuransi Indonesia Entitas berelasi dengan Pemerintah/ Piutang koasuransi/Coinsurance receivable
Utama (Persero) Government - related entities Utang reasuransi/Reinsurance Payable
Piutang reasuransi dan retrosesi/
Reinsurance and retrocession receivable
Penutupan asuransi/Insurance premium
PT Asuransi Bringin Sejahtera Entitas berelasi dengan Pemerintah/ Utang Koasuransi/Coinsurance Payable
Artamakmur (BSAM) Government - related entities Penutupan asuransi/Insurance premium
PT Asuransi Kredit Entitas berelasi dengan Pemerintah/ Utang Koasuransi/Coinsurance Payable
Indonesia (Askrindo) 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
Utang reasuransi/Reinsurance Payable
Penutupan asuransi/Insurance premium
PT BRI Asuransi Indonesia Entitas berelasi dengan Pemerintah/ Utang Klaim/Claim Payable
Piutang koasuransi/Coinsurance receivable
Government - related entities Utang Koasuransi/Coinsurance Payable
Penutupan asuransi/Insurance premium
PT BRI Multifinance Indonesia Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
Government - related entities Piutang premi dan sesi/
Premium and cession receivable
Utang reasuransi/Reinsurance Payable
Penutupan asuransi/Insurance premium
PT BNI Life Insurance Entitas berelasi dengan Pemerintah/ Utang Klaim/Claim Payable
Government - related entities Penutupan asuransi/Insurance premium
PT Taspen (Persero) Entitas berelasi dengan Pemerintah/ Utang Klaim/Claim Payable
Government - related entities Penutupan asuransi/Insurance premium
PT Asuransi Jiwa Inhealth Indonesia Entitas berelasi dengan Pemerintah/ Utang Klaim/Claim Payable
Government - related entities Penutupan asuransi/Insurance premium
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
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 2023 dan 2022 December 31, 2023 and 2022
(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 Bank Raya Indonesia Tbk Entitas berelasi dengan Pemerintah/ Deposito Berjangka/Time Deposits
Government - related entities
PT Bank Pembangunan Entitas berelasi dengan Pemerintah/ Deposito Berjangka/Time Deposits
Daerah Jawa Timur Tbk Government - related entities
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
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/ Obligasi/Bonds
(Persero) Government - related entities
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 Jasa Marga (Persero) Tbk Entitas berelasi dengan Pemerintah/ Saham/Shares
Government - related entities
PT Bank Mandiri Taspen Entitas berelasi dengan Pemerintah/ Obligasi/Bonds
Government - related entities
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
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 Pupuk Kalimantan Timur Entitas berelasi dengan Pemerintah/ Piutang premi dan sesi/
Government - related entities Premium and cession receivable
PT Aneka Gas Industri Tbk Piutang premi dan sesi/
PT Petrokimia Gresik Entitas berelasi dengan Pemerintah/ Premium and cession receivable
Government - related entities Piutang premi dan sesi/
134
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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 2023 dan 2022 December 31, 2023 and 2022
(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
Penambahan pada liabilitas yang timbul dari Changes in liabilities arising from financing
aktifitas pendanaan pada laporan arus kas activities in the cash flow statement are as
adalah sebagai berikut: follows:
31 Desember/ Arus kas masuk/ Arus kas keluar/ Perubahan non kas/ 31 Desember/
December 31, 2022 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
31 Desember/ Arus kas masuk/ Arus kas keluar/ Perubahan non kas/ 31 Desember/
December 31, 2021 Cash flow in Outgoing cash flow Non-cash changes December 31, 2022
Liabilitas sewa 6,850,134 -- (4,807,958) 875,608 2,917,784 Lease liabilities
Pinjaman diterima 43,326,065 102,811,711 (24,791,064) -- 121,346,712 Borrowings
Utang pembiayaan konsumen Consumer finance
dan sewa pembiayaan 158,955,645 -- (99,272,562) 8,933,293 68,616,376 and leases payables
Utang dividen -- -- (131,889,738) 131,889,738 -- Dividend payable
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
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.
135
Page 623
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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
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.
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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 hurricane, 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% of 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, 2023
Bruto/ Reasuransi/ Neto/
Gross Reinsurance Net
Offshore 655,643,608 (558,901,611) 96,741,997 Offshore
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
Pengangkutan 207,861,119 (88,831,128) 119,029,991 Marine cargo
Rekayasa 1,303,539,081 (1,054,411,690) 249,127,391 Engineering
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
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/December 31, 2022
Bruto/ Reasuransi/ Neto/
Gross Reinsurance Net
Offshore 1,208,395,803 (1,051,631,676) 156,764,127 Offshore
Kebakaran 4,536,672,546 (3,698,760,877) 837,911,669 Fire
Rangka kapal 724,208,483 (439,991,802) 284,216,681 Marine hull
Pengangkutan 266,579,512 (71,531,913) 195,047,599 Marine cargo
Rekayasa 476,542,876 (259,097,875) 217,445,001 Engineering
Penerbangan 308,347,407 (238,957,689) 69,389,718 Aviation
Onshore 313,998,263 (221,499,030) 92,499,233 Onshore
Lainnya 1,962,507,154 (679,039,234) 1,283,467,920 Miscellaneous
Jumlah 9,797,252,044 (6,660,510,096) 3,136,741,948 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 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):
138
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Pengaruh
Perubahan terhadap laba
persentase/ sebelum pajak/
Percentage Impact on
change income before
31 Desember 2023 December 31, 2023
Perseroan The Company
Rasio klaim +/-5% +-12.803.438 Claim ratio
31 Desember 2022 December 31, 2022
Perseroan The Company
Rasio klaim +/-5% +-12.566.397 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:
139
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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
31 Desember/December 31, 2022
Lain-lain/
USD) HKD) GBP) Others)
Aset keuangan Financial assets
Kas dan bank 71,428,199 45,793 750,207 2,395,795 Cash on hand and in banks
Deposito berjangka 559,590,513 75,148,669 19,962,895 25,615,562 Time deposits
Efek-efek Marketable securities
- Obligasi 408,703,758 -- -- -- Bonds -
- Saham -- 68,722,587 -- -- Shares -
- Reksadana 8,005,230 -- -- -- Mutual funds -
Piutang premi dan sesi 1,454,889,694 -- -- 6,672,184 Premium and cession receivables
Piutang reasuransi dan retosesi 366,387,647 47,043 -- 17,085,838 Reinsurance and retrocrssion receivables
Piutang koasuransi 131,134,908 -- -- 21,444 Coinsurance receivables
Jumlah 3,000,139,949 143,964,092 20,713,102 51,790,823 Total
Liabilitas keuangan Financial liabilities
Utang reasuransi dan retrosesi 1,347,930,610 -- -- 7,732,078 Reinsurance and retrocession payables
Utang koasuransi 14,707,943 1,145 14,648 11,182 Coinsurance payables
Utang komisi 19,151,191 -- -- 413,421 Commission payables
Utang klaim 32,135,428 1,282,926 55,912 43,640,240 Claim payables
Jumlah 1,413,925,172 1,284,071 70,560 51,796,921 Total
Jumlah - Neto 1,586,214,777 142,680,021 20,642,542 (6,098) 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 2023 67,661,224 (67,661,224) December 31, 2023
31 Desember 2022 87,086,882 (87,086,882) December 31, 2022
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 2023 dan 2022 As of 31 December 31, 2023 and 2022, 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.
140
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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 2023 dan 2022 December 31, 2023 and 2022
(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 2023 dan 2022. Analisis 2023 and 2022. The analysis is prepared
ini disajikan dengan asumsi saldo aset assuming the amount of the financial assets
keuangan dan liabilitas keuangan pada akhir and financial liabilities outstanding at the end
periode pelaporan masih beredar sepanjang of the reporting period was outstanding for the
tahun. whole year.
Jika suku bunga mengalami perubahan 100 If 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 2023 dan 2022 akan December 31, 2023 and 2022 would increase
mengalami peningkatan (penurunan) (decrease) by Rp28,554,099 and
masing-masing sebesar Rp28.554.099 dan Rp50,940,643, respectively.
Rp50.940.643 .
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.
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 2023 dan 2022 December 31, 2023 and 2022
(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, 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 57,217,856 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 2,739,057,104 509,975,505 3,225,229,649 Total
31 Desember/December 31, 2022
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 1,413,095,994 47,990,218 1,461,086,212 Reinsurance and retrocession payables
Utang komisi 32,859,510 -- 32,859,510 Commission payables
Utang klaim 128,050,105 1,005,645 129,055,750 Claim payables
Utang koasuransi 43,745,735 3,142,214 46,887,949 Coinsurance payables
Beban akrual 137,516,459 -- 137,516,459 Accrued expenses
Utang lain-lain 263,685,403 -- 263,685,403 Other payables
Pinjaman diterima 48,024,955 73,321,757 121,346,712 Borrowings
Utang pembiayaan konsumen Consumer finance and
dan sewa pembiayaan 53,076,603 15,539,773 68,616,376 leases payables
Jumlah 2,120,054,764 140,999,607 2,261,054,371 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
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
asuransi dan reasuransi yang tercantum reinsurance companies stated in the
dalam Peraturan Otoritas Jasa Keuangan Regulation of Authority of Financial Service
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 solvabilitas Solvability risk
Risiko solvabilitas yaitu risiko Solvability risk is the risk of the Company
ketidakmampuan Perseroan memenuhi inability to meet solvency as required by the
tingkat solvabilitas seperti yang disyaratkan Government, in accordance with the
oleh pemerintah sesuai dengan Peraturan Regulation of Authority of Financial Service
Otoritas Jasa Keuangan No. No.71/POJK.05/2016 for conventional and
71/POJK.05/2016 untuk konvensional dan No.72/POJK.5/2016 for sharia, whereby
No. 72/POJK.5/2016 untuk syariah dimana failure to comply with the regulation may result
jika tidak memenuhi ketentuan tersebut in termination of business operations. To
dapat berakibat dihentikannya kegiatan manage this risk, the Company must always
operasi Perseroan. Untuk mengelola risiko maintain the quality of assets that can be
ini, Perseroan harus selalu menjaga agar regarded as assets that are allowed. Thus,
kualitas aset dapat diperhitungkan sebagai resulting solvency calculation can satisfy
aset yang diperkenankan. Sehingga, hasil applicable regulation.
perhitungan solvabilitas dapat memenuhi
ketentuan yang berlaku.
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the
rasio pencapaian solvabilitas untuk Company’s solvency for conventional
konvensional Perseroan melebihi rasio exceeded the minimum solvency margin
minimum yang dipersyaratkan peraturan requirements (unaudited).
yang berlaku (tidak diaudit).
2023 2022
Rp Rp
Tingkat solvabilitas Solvency margin
Kekayaan yang diperkenankan 14,021,034,174 11,694,316,946 Admitted assets
Liabilitas (9,351,637,448) (7,754,871,079) Liabilities
Jumlah tingkat solvabilitas 4,669,396,726 3,939,445,867 Total solvency margin
Risiko kredit 417,617,003 391,182,497 Credit risk
Risiko likuiditas -- -- Liquidity risk
Risiko pasar 237,885,502 233,605,891 Market risk
Risiko asuransi 219,059,324 208,859,024 Insurance risk
Risiko operasional 5,853,224 4,501,459 Operational risk
Batas tingkat solvabilitas minimum 880,415,053 838,148,871 Minimum solvency margin
Jumlah batas tingkat solvabilitas 3,788,981,673 3,101,296,996 Total exess of solvency margin
Rasio pencapaian solvabilitas 530.36% 470.02% Solvency ratio attained
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.
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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 Risk management committee assesses the
dari setiap reasuradur dan perantara dengan 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 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 are collected within ongoing
pengawasan berkelanjutan dalam laporan monitoring 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, 2023 and
tanggal 31 Desember 2023 dan 2022. 2022. The maximum exposure is recorded
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.
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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
31 Desember /December 31, 2022
Eksposur
maksimum/
Korporasi/ Pemerintah/ Maximum
Corporate Government exposure
Aset keuangan Financial assets
Kas di bank 74,295,961 534,690,138 608,986,099 Cash on hand and in banks
Deposito berjangka 270,888,159 1,565,826,313 1,836,714,472 Time deposits
Efek-efek Marketable securities
- Obligasi 344,315,492 3,509,041,974 3,853,357,466 Bonds -
- Saham 191,145,459 145,365,491 336,510,950 Shares -
- Reksadana 753,749,172 198,444,979 952,194,151 Mutual funds -
Penyertaan langsung 36,918,151 -- 36,918,151 Direct participation
Piutang premi dan sesi 1,793,295,891 371,849,700 2,165,145,591 Premium and cession receivables
Piutang koasuransi 106,108,521 54,600,728 160,709,249 Coinsurance receivables
Piutang reasuransi dan Reinsurance and
retrosesi 370,978,210 102,611,817 473,590,027 retrocession receivables
Piutang lain-lain 221,956,316 -- 221,956,316 Other receivables
Aset lain-lain 147,558,531 -- 147,558,531 Other assets
4,163,651,332 6,482,431,140 10,793,641,003
Dikurangi: Less:
Penyisihan kerugian Allowance for impairment
penurunan nilai (360,682,050) losses
Neto 10,432,958,953 Net
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:
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
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
31 Desember/December 31, 2022
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 608,986,099 -- -- 608,986,099 Cash on hand and in banks
Deposito berjangka 1,836,714,472 -- -- 1,836,714,472 Time deposits
Efek-efek Marketable securities
- Obligasi 3,707,642,003 -- 145,715,463 3,853,357,466 Bonds -
- Saham 336,510,950 -- -- 336,510,950 Shares -
- Reksadana 952,194,151 -- -- 952,194,151 Mutual funds -
Penyertaan langsung 35,168,056 -- -- 35,168,056 Direct participation
Piutang premi dan sesi 1,592,296,089 483,038,407 89,811,095 2,165,145,591 Premium and cession receivables
Piutang koasuransi 79,352,906 49,628,204 31,728,139 160,709,249 Coinsurance receivables
Piutang reasuransi dan Reinsurance and
retrosesi 116,875,465 271,016,656 85,697,906 473,590,027 retrocession receivables
Piutang lain-lain 214,226,869 -- 7,729,447 221,956,316 Other receivables
Aset lain-lain 147,558,531 -- -- 147,558,531 Other assets
9,627,525,591 803,683,267 360,682,050 10,791,890,908
Dikurangi: Less:
Penyisihan kerugian Allowance for impairment
penurunan nilai (360,682,050) losses
Neto 10,431,208,858 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.
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 2023 dan 2022 December 31, 2023 and 2022
(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 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
31 Desember 2022 December 31, 2022
Aset keuangan diukur nilai wajar: Financial assets measured at fair value:
Efek-efek Marketable securities
- Nilai wajar melalui laba rugi 705,368,513 360,315,009 345,053,504 -- Fair value through profit or loss -
- Tersedia untuk dijual 4,290,978,591 928,390,092 3,362,588,499 -- Available-for-sale -
Jumlah 4,996,347,104 1,288,705,101 3,707,642,003 -- 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.
Konsisten dengan pelaku industri lainnya, Consistent with others in the industry, the
Grup memonitor rasio solvabilitas yang Group monitors solvency ratio which is
dihitung berdasarkan Peraturan Otoritas calculated in accordance with the Regulation
Jasa Keuangan No. 71/POJK.05/2016 of Authority of Financial Service No.
tentang kesehatan keuangan Perusahaan 71/POJK.05/2016 regarding The Financial
Asuransi dan Perusahaan Reasuransi. Soundness of The Insurance Company and
Jumlah minimum pencapaian rasio Reinsurance Company. Minimum solvency
solvabilitas adalah 120%. Grup telah ratio is 120%. The Group has fulfilled the
memenuhi ketentuan dalam peraturan requirements outlined in the regulation
tersebut (tidak diaudit). (unaudited).
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Berdasarkan Peraturan Otoritas Jasa Based on the Regulation of Financial Authority
Keuangan No. 72/POJK.05/2016 tanggal Services No. 72/POJK.05/2016 dated
28 Desember 2016 tentang Kesehatan December 28, 2016 regarding Financial
Keuangan Usaha Asuransi dan Usaha Soundness of Insurance and Reinsurance
Reasuransi dengan Prinsip Syariah. Grup Business with Sharia Principle. The Group is
diwajibkan untuk memenuhi rasio solvabilitas required to have minimum solvency ratio for
untuk dana Tabarru’ paling sedikit dari risiko Tabarru' fund of of the risk of loss which may
kerugian yang mungkin timbul sebagai arise from deviation in management of assets
akibat dari deviasi dalam pengelolaan and liabilities. The Group has fulfilled the
kekayaan dan liabilitas. Grup telah requirements outlined in the regulation
memenuhi ketentuan dalam peraturan (unaudited).
tersebut (tidak diaudit).
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, 2022 Cash flows net leases in capital Dividend Exchange alignment December 31, 2023
Pinjaman yang diterima 121,346,712 161,998,024 -- -- -- 12,804,817 296,149,553 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 (114,185,892) 6,570,770 (187,198,292) 431,560,673 18,230,008 347,858,139 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, 2021 Cash flows net leases in capital Dividend Exchange alignment December 31, 2022
Pinjaman yang diterima 43,326,065 74,606,325 -- -- -- 3,414,322 121,346,712 Borrowings payment
Utang pembiayaan konsumen Consumer finance and
dan sewa pembiayaan 158,955,645 (99,272,562) -- -- -- 8,933,293 68,616,376 lease payable
Utang dividen -- (131,889,738) -- -- 131,889,738 -- -- Dividend payable
Liabilitas sewa 6,850,134 (4,807,958) -- -- -- 875,608 2,917,784 Lease Liabilities
Jumlah liabilitas dari Total liabilities from
aktivitas pendanaan 209,131,844 (161,363,933) -- -- 131,889,738 13,223,223 192,880,872 financing activities
43. Informasi Segmen 43. 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:
148
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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 2023 dan 2022 December 31, 2023 and 2022
(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
31 Desember/December 31, 2022
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 1,016,557,167 1,840,898,894 -- -- 2,857,456,061 (12,530,921) 2,844,925,140 Premium income net
Pendapatan komisi neto 94,677,892 (608,605,374) -- -- (513,927,482) 11,794,181 (502,133,301) Commission income net
Pendapatan investasi 212,860,417 137,500,622 2,856,022 2,133,719 355,350,780 (2,959,450) 352,391,330 Investment income
Pendapatan usaha lainnya -- -- 326,730,893 111,911,164 438,642,057 (39,932,015) 398,710,042 Other operating revenue
Penghasilan neto dari Net revenues
pelanggan eksternal customers 1,324,095,476 1,369,794,142 329,586,915 114,044,883 3,137,521,416 (43,628,205) 3,093,893,211 from external
Penghasilan neto antar segmen -- -- -- -- -- -- -- Net revenues between segments
Jumlah pendapatan 1,324,095,476 1,369,794,142 329,586,915 114,044,883 3,137,521,416 (43,628,205) 3,093,893,211 Total revenues
Beban underwriting, neto (464,352,441) (1,191,348,509) -- -- (1,655,700,950) (16,647,193) (1,672,348,143) Net underwriting expenses
Beban usaha (562,318,195) (125,713,652) (27,793,060) (38,008,120) (753,833,027) (17,302,820) (771,135,847) Operating expenses
Beban usaha lainnya -- -- (185,534,884) (73,234,515) (258,769,399) (1) (258,769,400) Other operating expenses
Beban lain-lain, neto 51,746,548 41,154,770 (13,169,908) 2,246,424 81,977,834 26,531,770 108,509,604 Other expenses, net
Bagian laba bersih atas -- -- Share in assosiates
entitas asosiasi 17,047,790 -- -- -- 17,047,790 (1) 17,047,789 net income
Laba sebelum beban pajak final Income before final and
dan beban pajak penghasilan 366,219,178 93,886,751 103,089,063 5,048,672 568,243,664 (51,046,450) 517,197,214
Beban pajak final (15,514,188) -- (4,280,649) (280,074) (20,074,912) (10,421,451) (30,496,363) Final tax
Laba sebelum beban pajak Income before income
penghasilan 350,704,990 93,886,751 98,808,414 4,768,598 548,168,752 (61,467,901) 486,700,851 tax expenses
Beban pajak penghasilan 1,980,046 3,426,075 (5,068,324) (4,365,182) (4,027,385) - 87,568,126 (91,595,511) Income tax expenses
Laba periode berjalan 352,685,036 97,312,826 93,740,090 403,416 544,141,367 (149,036,027) 395,105,340 Income for the period
INFORMASI LAINNYA OTHER INFORMATION
Aset segmen 14,726,571,566 5,211,373,512 3,658,330,482 3,972,865,744 27,569,141,304 (5,987,835,836) 21,581,305,468 Segment assets
Aset yang tidak dapat dialokasikan -- -- -- -- -- -- -- Unallocated assets
Jumlah aset konsolidasian 14,726,571,566 5,211,373,512 3,658,330,482 3,972,865,744 27,569,141,304 (5,987,835,836) 21,581,305,468 Total consolidated assets
Liabilitas segmen 8,745,316,041 3,737,932,407 352,472,398 22,069,609 12,857,790,454 (448,583,286) 12,409,207,168 Segment liabilities
Liabilitas yang tidak dapat
dialokasikan -- -- -- -- -- -- -- Unallocated liabilities
Jumlah liabilitas konsolidasian 8,745,316,041 3,737,932,407 352,472,398 22,069,609 12,857,790,454 (448,583,286) 12,409,207,168 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 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
149
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Jumlah
Konsolidasi/
Indonesia/ Luar Indonesia/ Jumlah/ Eliminasi/ Total
31 Desember 2022 Indonesia Outside Indonesia Total Elimination Consolidated December 31, 2022
Penghasilan Income
Hasil underwriting neto 778,458,761 (89,176,742) 689,282,019 (18,838,323) 670,443,696 Underwriting income
Hasil yang tidak dapat
dialokasikan -- Unallocated income
Jumlah 670,443,696 Total
Pelaporan segmen lainnya Other segment reporting
Aset segmen 24,955,996,406 2,605,666,553 27,561,662,959 (5,980,357,491) 21,581,305,468 Segment assets
Aset yang tidak dapat
dialokasikan -- -- -- Unallocated assets
Jumlah 27,561,662,959 (5,980,357,491) 21,581,305,468 Total
44. Aset, Liabilitas dan Hasil Usaha Unit 44. Assets, Liabilities and Results Operations
Bisnis Syariah of Sharia Business Unit
Laporan Posisi Keuangan Statements of Financial Position
2023 2022
Rp Rp
ASET ASSET
Kas dan bank 32,717,537 34,566,866 Cash on hand and in banks
Deposito berjangka 43,239,400 39,826,025 Time deposits
Sukuk 30,123,970 30,010,990 Sukuk
Piutang kontribusi, neto 14,360,326 8,356,835 Contribution receivables , net
Piutang reasuransi 8,558,954 52,832 Reinsurance receivables
Aset reasuransi 6,284,666 6,008,145 Reinsurance assets
Aset lain-lain 5,754,699 3,986,962 Other assets
JUMLAH ASET 141,039,552 122,808,655 TOTAL ASSETS
LIABILITAS, DANA PESERTA LIABILITIES, PARTICIPANTS FUND
DAN EKUITAS AND EQUITY
LIABILITAS LIABILITIES
Utang klaim 238,387 58,916 Claim payables
Utang reasuransi 1,917,810 1,491,999 Reinsurance payables
Utang komisi 2,272,209 10,435,626 Comission payable
Penyisihan ujroh 6,707,468 3,790,047 Ujroh payable
Utang ujroh reasuransi 10,724,467 9,608,254 Reinsurance ujroh payable
Penyisihan kontribusi yang belum Unearned contributions provisions
menjadi hak dan penyisihan manfaat reserves and liabilities for
polis masa depan 6,943,148 4,401,316 future policy benefits
Penyisihan klaim 4,672,592 4,511,434 Reserves of claims
Utang lain-lain 2,025,576 3,024,622 Other payables
JUMLAH LIABILITAS 35,501,657 37,322,214 TOTAL LIABILITIES
DANA PESERTA PARTICIPANTS FUND
Dana Tabarru' 23,557,441 12,938,774 Tabarru' fund
EKUITAS EQUITY
Modal kerja 25,000,000 25,000,000 Working Capital
Saldo laba 58,020,096 48,890,430 Retained earnings
Keuntungan (kerugian) yang belum Unrealized gain (loss) on availabe-
direalisasi atas efek - efek for-sale marketable securities
tersedia untuk dijual, neto (1,039,642) (1,342,763)
JUMLAH EKUITAS 81,980,454 72,547,667 TOTAL EQUITY
JUMLAH LIABILITAS, DANA TOTAL LIABILITIES,
PESERTA DAN EKUITAS 141,039,552 122,808,655 PARTICIPANTS AND EQUITY
150
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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 2023 dan 2022 December 31, 2023 and 2022
(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
2023 2022
Rp Rp
PENDAPATAN ASURANSI INSURANCE REVENUES
Kontribusi bruto 28,206,253 14,824,435 Gross contributions
Ujrah pengelola (13,329,790) (7,085,492) Shareholder's ujrah
Bagian reasuransi (atas risiko) (5,231,258) (3,010,415) Reinsurance share (at risk)
TOTAL PENDAPATAN ASURANSI 9,645,205 4,728,528 TOTAL INSURANCE REVENUES
BEBAN ASURANSI
Beban pembayaran klaim (18,646,148) (533,883) Claims expenses
Klaim yang ditanggung reasuransi 15,560,368 168,264 Reinsurance claims
Perubahan penyisihan klaim (583,967) 98,726 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 (1,879,248) (1,196,116) future policy benefits
Beban adjuster (2,636) (12,497) Adjuster expenses
TOTAL BEBAN ASURANSI (5,551,631) (1,475,506) TOTAL INSURANCE EXPENSES
SURPLUS (DEFISIT) UNDERWRITING 4,093,574 3,253,022 UNDERWRITING SURPLUS (DEFICIT)
Surplus (defisit) underwriting yang Underwriting surplus (deficit) allocated
dialokasikan ke peserta individual (368,790) (876,896) to individual participants
Surplus (defisit) underwriting yang Underwriting surplus (deficit) allocated
dialokasikan ke entitas Pengelola (1,843,951) (876,896) to shareholders
Surplus (defisit) underwriting yang Underwriting surplus (deficit) allocated
dialokasikan ke dana Tabarru' 1,880,833 1,499,230 to tabarru' fund
PENDAPATAN DAN BEBAN INVESTMENT REVENUES AND
INVESTASI EXPENSES
Pendapatan investasi, neto 124,717 101,018 Investment revenues, net
(Beban) pendapatan lain-lain, neto 8,613,117 (925,576) (Expenses) other revenues, net
PENGHASILAN KOMPREHENSIF LAINNYA OTHER COMPREHENSIVE INCOME
Perubahan nilai wajar investasi -- -- Changes in investments fair value
SURPLUS (DEFISIT) DANA TABARRU' 10,618,667 674,672 TABARRU' FUND SURPLUS (DEFICIT)
SALDO AWAL DANA TABARRU' 12,938,774 12,264,102 BEGINNING BALANCE OF TABARRU' FUND
SALDO AKHIR DANA TABARRU' 23,557,441 12,938,774 ENDING BALANCE OF TABARRU' FUND
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
Laporan Laba Rugi dan Penghasilan Statement of Profit or Loss and Other
Komprehensif Lain Comprehensive Income
2023 2022
Rp Rp
PENDAPATAN REVENUES
Pendapatan ujrah 13,329,790 7,085,492 Ujrah revenues
Pendapatan investasi 2,226,031 2,215,100 Investment revenues
Penurunan (kenaikan) ujrah (111,912) (483,343) Decrease (increase) in ujrah
Pendapatan surplus underwriting untuk Underwriting surplus revenues for
dana perusahaan 1,843,951 876,896 shareholder fund
TOTAL PENDAPATAN 17,287,860 9,694,145 TOTAL REVENUES
BEBAN EXPENSES
Beban komisi (5,961,625) (3,332,531) Comission expenses
Ujrah reasuransi dibayar (544,461) (312,229) Ujrah reinsurance paid
Beban umum dan administrasi (1,514,165) (1,006,404) General and administration expenses
TOTAL BEBAN (8,020,251) (4,651,164) TOTAL EXPENSES
LABA USAHA INCOME FROM OPERATIONS
Beban lain-lain, neto 110,228 (224,991) Other expenses, net
LABA SEBELUM BEBAN PAJAK INCOME BEFORE TAX
DAN ZAKAT 9,377,837 4,817,990 AND ZAKAT
Beban Zakat (233,861) (120,450) Final tax expenses
LABA SEBELUM BEBAN PAJAK FINAL DAN INCOME BEFORE FINAL TAX
PAJAK PENGHASILAN 9,143,976 4,697,540 EXPENSES AND INCOME TAX
Beban pajak final (14,310) (167,516) Final tax expenses
LABA SEBELUM BEBAN PAJAK INCOME BEFORE INCOME TAX
PENGHASILAN 9,129,666 4,530,024 EXPENSES
Beban pajak penghasilan -- -- Income tax expenses
LABA TAHUN BERJALAN 9,129,666 4,530,024 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 303,121 (1,309,532) marketable securities
TOTAL PENGHASILAN KOMPREHENSIF TOTAL INCOME COMPREHENSIVE
TAHUN BERJALAN 9,432,787 3,220,492 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 2021 25,000,000 (33,231) 44,360,406 69,327,175 Balance as of December 31, 2021
Laba tahun berjalan -- -- 4,530,024 4,530,024 Income for the year
Keuntungan (kerugian) yang belum direalisasi atas Unrealized gain (loss) securities
efek-efek tersedia untuk dijual, neto -- (1,309,532) -- (1,309,532) available for sale, net
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
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
45. Standar Akuntansi dan Interpretasi 45. 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 2023. January 1, 2023.
Efektif berlaku pada atau setelah tanggal Effective on or after January 1, 2024:
1 Januari 2024:
Amendemen atas standar yang berlaku Amendment to standards which effective for
efektif untuk periode yang dimulai pada atau periods beginning on or after January 1, 2024,
setelah 1 Januari 2024, dengan penerapan with early adoption is permitted, are as
dini diperkenankan yaitu: follows:
- Amendemen PSAK 1: Penyajian Laporan - Amendments PSAK 1: Presentation of
Keuangan tentang Liabilitas Jangka Financial Statements related to Non-
Panjang Dengan Kovenan; Current Liabilities with Covenants;
- Amendemen PSAK 73: Liabilitas Sewa - Amendments PSAK 73: Lease Liability in a
dalam Jual dan Sewa – Balik; Sale and Leaseback;
- Amendemen PSAK 2: Laporan Arus Kas - Amendments PSAK 2: Statement of Cash
dan PSAK 60: Instrumen Keuangan: Flows and PSAK 60: Financial Instrument:
Pengungkapan tentang pengaturan Disclosure regarding supplier finance
pembiayaan pemasok; agreement;
- Revisi PSAK 101: Penyajian Laporan - Revised PSAK 101: Presentation of
Keuangan Syariah; dan Shariah Financial Statements; and
- Revisi PSAK 109: Akuntansi Zakat, Infak, - Revised PSAK 109: Accounting of Zakah,
dan Sedekah. Infaq, and Sadaqah.
Efektif berlaku pada atau setelah tanggal Effective on or after January 1, 2025:
1 Januari 2025:
Standar baru dan amendemen atas standar New standard and amendment to standard
yang berlaku efektif untuk periode yang which effective for periods beginning on or
dimulai pada atau setelah 1 Januari 2025, after January 1, 2025, with early adoption is
dengan penerapan dini diperkenankan yaitu: permitted, are as follows:
- PSAK 74: Kontrak Asuransi; dan - PSAK 74: Insurance Contract; and
- Amendemen PSAK 74: Kontrak Asuransi - Amendments PSAK 74: Insurance Contract
tentang Penerapan Awal PSAK 74 dan regarding Initial Application of PSAK 74
PSAK 71 – Informasi Komparatif; and PSAK 71 – Comparative Information;
- Amendemen PSAK 10: Pengaruh - Amendments PSAK 10: Foreign Exchange
Perubahan Kurs Valuta Asing tentang Rate regarding lack of exchangeability
kekurangan ketertukaran.
Beberapa PSAK juga diamendemen yang Several PSAKs were also amended which
merupakan amendemen konsekuensial were consequential amendments due to the
karena berlakunya PSAK 74: Kontrak enactment of PSAK 74: Insurance Contracts,
Asuransi, yaitu: as follows:
- PSAK 1: Penyajian Laporan Keuangan; - PSAK 1: Presentation of Financial
Statements;
- PSAK 2: Laporan Arus Kas; - PSAK 2: Statement of Cash Flows;
- PSAK 13: Properti Investasi; - PSAK 13: Investment Property;
- PSAK 15: Investasi pada Entitas - PSAK 15: Investment in Associated Entities
Asosiasi dan Ventura Bersama; and Joint Ventures;
- PSAK 16: Aset Tetap; - PSAK 16: Fixed Assets;
- PSAK 19: Aset Takberwujud; - PSAK 19: Intangible Assets;
153
Page 641
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
- PSAK 22: Kombinasi Bisnis; - PSAK 22: Business Combinations;
- PSAK 24: Imbalan Kerja; - PSAK 24: Employee Benefits;
- PSAK 48: Penurunan Nilai Aset; - PSAK 48: Impairment of Asset;
- PSAK 50: Instrumen Keuangan - PSAK 50: Financial Instruments:
Penyajian; Presentation;
- PSAK 57: Provisi, Liabilitas Kontijensi - PSAK 57: Provisions, Contingent Liabilities
dan Aset Kontijensi; and Contingent Assets;
- PSAK 58: Aset Tidak Lancar yang - PSAK 58: Non-Current Assets Held for
Dikuasai untuk Dijual dan Operasi yang Sale and Discontinued Operations;
Dihentikan;
- PSAK 60: Instrumen Keuangan: - PSAK 60: Financial Instruments:
Pengungkapan; Disclosures;
- PSAK 71: Instrumen Keuangan - PSAK 71: Financial Instruments;
- PSAK 72: Pendapatan dari Kontrak - PSAK 72: Income from Contracts with
dengan Pelanggan. Customers.
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.
DSAK-IAI juga mengesahkan perubahan DSAK-IAI also ratified changes to the
penomoran PSAK dan ISAK yang berlaku numbering pf PSAK and ISAK which will be
efektif 1 Januari 2024, dimana perubahan ini effective on January 1, 2024. This change
tidak memengaruhi substansi pengaturan does not affect the substance of the
dalam masing-masing PSAK dan ISAK requirement in each PSAK and ISAK.
tersebut.
46. Informasi Keuangan Tambahan 46. Supplementary Financial Information
Informasi keuangan Perseroan (entitas The accompanying financial information of the
induk) terlampir, yang terdiri dari laporan Company (parent entity), which comprises the
posisi keuangan 31 Desember 2023 dan statement of financial position as of December
2022, serta laporan laba rugi dan 31, 2023 and 2022, and the statement of of
penghasilan komprehensif lain, laporan profit or loss and other comprehensive
perubahan ekuitas, dan laporan arus kas income, changes in equity, and cash flows for
untuk tahun yangs berakhir pada tanggal the year then ended December 31, 2023 and
31 Desember 2023 dan 2022 (secara kolektif 2022 (collectively referred to as the “Parent
yang disebut sebagai “Informasi Keuangan Entity Financial Information”), which is
Entitas Induk”), yang disajikan sebagai presented as a supplementary information to
informasi tambahan terhadap laporan the accompanying consolidated financial
keuangan konsolidasian terlampir, disajikan statements, is presented for the purposes of
untuk tujuan analisis tambahan dan bukan additional analysis and is not required part of
merupakan bagian dari laporan keuangan the accompanying consolidated financial
konsolidasian terlampir yang diharuskan statements under Indonesian Financial
menurut Standar Akuntansi Keuangan Accounting Standards. The Parent Entity
Indonesia. Informasi Keuangan Entitas Induk Financial Information is the responsibility of
merupakan tanggung jawab manajemen management and was derived from and
serta dihasilkan dari dan berkaitan secara related directly to the underlying accounting
langsung dengan catatan akuntansi dan and other records used to prepare the
catatan lainnya yang mendasarinya yang accompanying consolidated financial
digunakan untuk menyusun laporan statements.
keuangan konsolidasian terlampir.
154
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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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
ASET ASSETS
Kas dan bank 306,363,888 374,077,638 Cash on hand and in banks
Investasi Investments
Deposito berjangka 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 3,569,166,642 2,338,013,922 Available-for-sale -
Reksadana 460,165,233 844,021,338 Mutual funds
Penyertaan langsung 1,890,442,806 1,888,692,711 Direct participation
Piutang premi, neto 1,552,578,552 1,688,785,957 Premium receivables, net
Piutang koasuransi, neto 422,878,924 128,981,110 Coinsurance receivables, net
Piutang reasuransi, neto 450,316,458 372,602,686 Reinsurance receivables, net
Piutang lain-lain 86,854,527 37,655,118 Other receivables
Biaya dibayar dimuka dan uang muka 37,087,683 91,722,167 Prepaid expenses and advances
Aset lain-lain 190,016,932 178,712,357 Other assets
Aset tetap, neto 21,090,317 17,940,125 Fixed assets, net
Aset hak guna, neto 29,400,579 7,911,388 Right of use asset, net
Aset reasuransi 5,324,279,752 4,711,956,046 Reinsurance assets
Aset pajak tangguhan 94,337,029 103,652,963 Deferred tax assets
JUMLAH ASET 16,119,782,584 13,508,162,992 TOTAL ASSETS
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Utang reasuransi 1,893,727,930 1,561,848,857 Reinsurance payables
Utang komisi 67,372,081 38,964,239 Commissions payables
Utang klaim 270,261,576 29,405,234 Claims payables
Utang koasuransi 73,562,226 46,887,949 Coinsurance payables
Beban akrual 208,005,199 78,694,274 Accrued expenses
Tagihan kekurangan pembayaran pajak 2,849,766 -- Tax underpayment bill
Utang pajak 145,996,640 51,742,932 Taxes payables
Utang lain-lain 198,103,928 189,170,147 Other payables
Liabilitas imbalan kerja 263,207,061 250,807,152 Employee benefit liabilities
Liabilitas asuransi 6,286,631,863 5,607,212,269 Insurance liabilities
Liabilitas sewa 978,276 2,141,947 Lease liabilities
JUMLAH LIABILITAS 9,410,696,546 7,856,875,000 TOTAL LIABILITIES
Approval for printing Paraf:
Page 643
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
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 2023 as of December 31, 2023
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 -
1.777.787.800 saham dengan jumlah 1,777,787,800 shares
nilai nominal seluruhnya sebesar with a total nominal value
Rp177.778.780.000 (nilai penuh) Rp177,778,780,000 (full amount)
tahun 2022 177,778,780 177,778,780 year 2022
Tambahan modal disetor 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 20,640,108 (14,880,353) financial assets
Surplus revaluasi aset tetap 6,575,061 6,283,321 Fixed assets surplus revaluation
Saldo laba Retained earnings
Ditentukan penggunaannya 413,313,271 413,313,271 Appropriated
Belum ditentukan penggunaannya 5,443,112,139 4,421,126,294 Unappropriated
JUMLAH EKUITAS 6,709,086,038 5,651,287,992 TOTAL EQUITY
JUMLAH LIABILITAS DAN TOTAL LIABILITIES AND
EKUITAS 16,119,782,584 13,508,162,992 EQUITY
Approval for printing Paraf:
Page 644
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
PENDAPATAN REVENUES
Pendapatan underwriting Underwriting income
Pendapatan premi Premium income
Premi bruto 5,048,444,433 4,058,267,878 Gross premium
Premi reasuransi (4,040,080,863) (3,120,042,084) Reinsurance premium
Perubahan cadangan premi yang Changes in unearned
belum merupakan pendapatan premium reserves and
dan liabilitas manfaat liabilities for future
polis masa depan (511,841,773) 198,274,236 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 479,886,782 (222,128,347) policy benefits
Pendapatan premi, neto 976,408,579 914,371,683 Premium income, net
Pendapatan komisi, neto 174,274,608 140,065,569 Commission income, net
Jumlah pendapatan underwriting 1,150,683,187 1,054,437,252 Total underwriting income
Pendapatan investasi 393,484,737 222,672,510 Investment income
JUMLAH PENDAPATAN 1,544,167,924 1,277,109,762 TOTAL REVENUES
BEBAN EXPENSES
Beban klaim Claim expenses
Klaim bruto (1,563,968,772) (1,038,015,748) Gross claims
Klaim reasuransi 1,173,490,990 748,821,752 Reinsurance claims
Perubahan estimasi Changes in estimated
liabilitas klaim (167,577,843) (542,038,288) claims liabilities
Perubahan aset reasuransi atas Changes in reinsurance assets
estimasi liabilitas klaim 132,436,924 512,854,400 of estimated claims liabilities
Jumlah beban klaim, neto (425,618,701) (318,377,884) Total net claim expenses
Beban usaha (650,253,169) (514,369,266) Operating expenses
Pendapatan (beban) lain-lain, neto 1,103,215,851 58,885,989 Other income (expenses), net
JUMLAH BEBAN 27,343,981 (773,861,161) TOTAL EXPENSES
LABA SEBELUM BEBAN PAJAK INCOME BEFORE FINAL TAX
FINAL DAN PAJAK PENGHASILAN 1,571,511,905 503,248,601 AND INCOME TAX EXPENSES
BEBAN PAJAK FINAL (34,506,734) (15,681,704) FINAL TAX EXPENSE
LABA SEBELUM BEBAN INCOME BEFORE INCOME
PAJAK PENGHASILAN 1,537,005,171 487,566,897 TAX EXPENSES
BEBAN PAJAK PENGHASILAN (291,342,466) (85,588,079) INCOME TAX EXPENSE
LABA TAHUN BERJALAN 1,245,662,705 401,978,818 INCOME FOR THE YEAR
Approval for printing Paraf:
Page 645
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
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 7,556,359 25,789,728 benefits liability
Surplus revaluasi aset tetap 291,740 413,879 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 (1,662,399) (5,673,740) 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 40,123,547 (33,649,752) marketable securities
Pajak penghasilan terkait pos Income tax related to the items
yang tidak akan direklasifikasi that will not be reclassified
ke laba rugi (4,603,086) 3,623,022 to profit or loss
Jumlah penghasilan komprehensif Total other comprehensive
lain setelah pajak 41,706,161 (9,496,863) income after tax
JUMLAH PENGHASILAN TOTAL COMPREHENSIVE
KOMPREHENSIF TAHUN BERJALAN 1,287,368,866 392,481,955 INCOME FOR THE YEAR
Approval for printing Paraf:
Page 646
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 2023 dan 2022 December 31, 2023 and 2022
(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 31 Desember 2021 177,777,780 647,639,259 15,146,377 5,869,442 413,313,271 4,137,854,501 5,397,600,630 Balance as of December 31, 2021
Dividen -- -- -- -- -- (126,592,141) (126,592,141) Dividend
Laba tahun berjalan -- -- -- -- -- 401,978,818 401,978,818 Income for the year
Management Employe Stock Option Plan 1,000 27,420 -- -- -- -- 28,420 Management Employe Stock Option Plan
Keuntungan yang belum direalisasi
atas efek-efek tersedia untuk Unrealized gain on available-for-sale
dijual, neto setelah pajak -- -- (30,026,730) -- -- -- (30,026,730) marketable securities, net after tax
Pengukuran kembali liabilitas imbalan Remeasurement of employee
kerja setelah pajak -- -- -- -- -- 20,115,988 20,115,988 benefits liabilities after tax
Reklasifikasi dana tabarru' -- -- -- -- -- (12,230,872) (12,230,872) Tabarru' fund reclasification
Surplus revaluasi aset tetap -- -- -- 413,879 -- -- 413,879 Fixed asset revaluation surplus
Saldo pada tanggal 31 Desember 2022 177,778,780 647,666,679 (14,880,353) 6,283,321 413,313,271 4,421,126,294 5,651,287,992 Balance as of December 31, 2022
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 5,443,112,139 6,709,086,038 Balance as of December 31, 2023
Approval for printing Paraf:
Page 647
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 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2023 2022
Rp Rp
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan kas dari tertanggung, Cash receipts from insured,
reasuradur dan pelanggan 5,735,288,993 5,110,630,958 reinsurers and customers
Pembayaran kas kepada tertanggung, Cash paid to insured, reinsurers,
reasuradur, pemasok dan karyawan (5,073,153,665) (4,909,802,101) suppliers and employees
Penerimaan atas litigasi 1,112,349,363 -- Cash receipts from litigation
Kas diperoleh dari operasi 1,774,484,691 200,828,857 Cash generated from operations
Pembayaran pajak penghasilan (191,666,518) (8,338,000) 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 1,595,124,502 192,490,857 operating activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS INVESTASI INVESTING ACTIVITIES
Penerimaan bunga 311,325,495 138,630,010 Interest received
Penerimaan dividen 18,871,667 12,760,586 Dividends received
Proceeds from placement
Penempatan investasi, neto (1,715,277,666) (240,092,333) of investments, net
Perolehan aset tetap dan Acquisitions of fixed assets
properti investasi (45,584,581) (3,744,693) and investment property
Kas bersih yang digunakan Net cash provided used
untuk aktivitas investasi (1,430,665,085) (92,446,430) in investing activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Tambahan modal disetor -- 28,420 Additional paid in capital
Pembayaran dividen (229,570,820) (126,592,141) Dividends paid
Pembayaran liabilitas sewa (2,602,347) (2,220,965) Payment of lease liabilities
Kas bersih yang digunakan Net cash used
untuk aktivitas pendanaan (232,173,167) (128,784,686) in financing activities
PENURUNAN NET DECREASE
KAS DAN BANK NETO (67,713,750) (28,740,259) IN CASH AND BANKS
CASH AND BANKS
KAS DAN BANK AWAL TAHUN 374,077,638 402,817,897 AT BEGINNING OF YEAR
KAS DAN BANK AKHIR TAHUN 306,363,888 374,077,638 CASH AND BANKS AT END OF YEAR
Approval for printing Paraf:
Page 648
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 2023 dan 2022 December 31, 2023 and 2022
(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. Penyertaan Langsung Dan Investasi Di 2. Direct Participation And Investment In
Entitas Bertujuan Khusus Special Purpose Entity
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, 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:
2023 2022
Rp Rp
Entitas anak Subsidiaries
PT Tugu Pratama Interindo 1,704,883,676 1,704,883,676 PT Tugu Pratama Interindo
Tugu Insurance Company Limited Tugu Insurance Company Limited
(Hongkong) 130,329,000 130,329,000 (Hongkong)
YHT & Company Limited 97,227 97,227 YHT & Company Limited
Entitas asosiasi Associate entity
PT Asuransi Samsung Tugu 27,588,696 27,588,696 PT Asuransi Samsung Tugu
Kepemilikan dibawah 20% Ownership below 20%
PT Reasuransi Maipark Indonesia 27,544,207 25,794,112 PT Reasuransi Maipark Indonesia
Jumlah 1,890,442,806 1,888,692,711 Total
Approval for printing Paraf:
Page 649
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
(Lanjutan) (Continued)
Untuk Tahun-tahun yang Berakhir For the Years Ended
Pada Tanggal 31 Desember 2023 dan 2022 December 31, 2023 and 2022
(Disajikan dalam ribuan Rupiah, (Expressed in thousands of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
2. Penyertaan Langsung Dan Investasi Di 2. Direct Participation And Investment In
Entitas Bertujuan Khusus Special Purpose Entity
Pada tanggal 31 Desember 2023 dan 2022, As of December 31, 2023 and 2022, the
entitas induk memiliki penyertaan langsung parent entity also have investment in special
pada entitas bertujuan khusus yang dicatat purposes entities which accounted with
dengan penilaian aset keuangan yang diatur valuation requirement of financial assets as
dalam PSAK No. 55 (Revisi 2014) sebagai ruled by SFAS No. 55 (Revised 2014) as
berikut: follows:
2023 2022
Rp Rp
Reksa Dana Pendapatan Tetap BNI-AM Reksa Dana Pendapatan Tetap BNI-AM
Prioritas Optima -- 179,605,347 Prioritas Optima
Reksa Dana Trimegah Dana Obligasi Reksa Dana Trimegah Dana Obligasi
Nusantara -- 105,916,326 Nusantara
Reksa Dana Bahana Pratama Reksa Dana Bahana Pratama
Pendapatan Tetap -- 56,550,687 Pendapatan Tetap
Jumlah -- 342,072,360 Total
Approval for printing Paraf:
Page 650
Halaman Ini Sengaja Dikosongkan This Page is intentionally Left Blank
Page 651
Page 652
Optimizing Innovation,
Achieving Higher Excellence
2023 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 169 people and organisations named in the text · linked when the evidence is strong
unresolved
org
PT Asuransi Tugu Pratama
p.2 ×5
unresolved
org
Indonesia Tbk
p.2 ×3
unresolved
org
PT Asuransi Tugu
p.2 ×5
unresolved
org
Pratama Indonesia Tbk
p.2 ×5
unresolved
org
Tugu Pratama Indonesia Tbk.
p.2 ×14
unresolved
org
Milik Negara
p.3 ×3
unresolved
org
Kecil Menengah
p.3
unresolved
person
Information Regarding Affiliation
· Komisaris
p.4
unresolved
org
Penjualan
p.5
unresolved
org
Bank Jabar Banten Syariah The Signing
p.32
unresolved
org
Bank Jabar Banten Syariah Unit Syariah Tugu Insurance
p.32
unresolved
org
Mendapatkan Akses Pelayanan Kesehatan Indonesia Tbk
p.33
unresolved
org
Yayasan Pita Kuning Anak Indonesia
p.33
unresolved
org
Yayasan Karya Salemba Empat
p.34
unresolved
org
PT Bursa Efek Indonesia Peraturan No. I-E
p.37
unresolved
org
Indonesia Stock Exchange
p.37 ×3
unresolved
org
Financial Services Authority
p.41 ×18
unresolved
org
Bank Indonesia
p.44 ×21
unresolved
org
Bank Indonesia's Kebijakan
p.44
unresolved
person
Amelia Kurniawan
· Komisaris
p.47 ×2
unresolved
—
Rahadiansyah
p.47
unresolved
person
Adi Zakaria Afiff
· Komisaris Independen
p.47 ×2
unresolved
—
Samuel Lie (Samuel Ramna)*
· Komisaris
p.48 ×11
unresolved
—
kesempatan ini, kami ingin menyampaikan rasa terima
· On this occasion, we would like to express our gratitude to
p.48
unresolved
—
atas kepercayaan dan dukungannya. Apresiasi terdalam
· We also extend our deepest appreciation to the Board of
p.48
unresolved
—
berkembang. Semoga pertumbuhan berkelanjutan
· shared goal of sustainable growth will inspire all of the
p.48
unresolved
—
dicita-citakan bersama akan selalu mendorong semangat
· Company's personnel to keep pushing forward and take the
p.48
unresolved
org
Bank Indonesia Institutional Triwulan IV
p.54
unresolved
org
Kota Nusantara
p.54
unresolved
—
Prior the AGMS 28 April 2023
p.57 ×2
unresolved
—
Korporat.
p.57
unresolved
person
Budi P. Amir
· Direktur
p.57 ×2
unresolved
person
Syaiful Azhar
· Direktur
p.58 ×2
unresolved
—
Technical
p.58 ×2
unresolved
org
Tugu Insurance pada 31
p.58
unresolved
org
Menteri Kehakiman Republik Indonesia
p.64
unresolved
person
Tan Thong Kie
p.64 ×2
unresolved
org
Minister of Justice
p.64 ×3
unresolved
org
PT Tugu Pratama
p.65 ×3
unresolved
org
PT Tugu Pratama Indonesia Indonesia
p.65
unresolved
person
Thong Tan Kie
· Notaris
p.65
unresolved
org
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia
p.65
unresolved
org
Minister of Law and Human Rights
p.65
unresolved
person
Fathiah Helmi
p.67
unresolved
org
Menteri Hukum dan Hak Asasi
p.67
unresolved
org
Asuransi Tugu Indonesia Tbk.
p.67 ×2
unresolved
org
PT Tugu Pratama Interindo
p.68 ×3
unresolved
org
PT Tugu Pratama Holding. (Persero)
p.68 ×4
unresolved
org
PT Asuransi Jiwa Tugu Mandiri
p.68 ×2
unresolved
org
PT Tugu Reasuransi Indonesia
p.68 ×2
unresolved
org
Dana Pensiun Pertamina.
p.68
unresolved
org
Kementerian Badan Usaha Milik Negara
p.73 ×2
unresolved
org
Departemen Umum
p.76
unresolved
org
Direktorat Jenderal Moneter Dalam Negeri
p.76
unresolved
org
Ministry of Finance
p.77 ×4
unresolved
org
Directorate General of Domestic Monetary Affairs
p.77 ×2
unresolved
org
PT Tugu Pratama License
p.77
unresolved
org
Minister of Finance
p.77
unresolved
org
PT Tugu Pratama Indonesia No. KEP-I
p.77
unresolved
person
Dr. Cipto
p.87
unresolved
org
London Tugu Insurance Company Limited
p.88
unresolved
org
TRB Limited
p.88
unresolved
org
Internal Audit Group Head Tugu Pratama Indonesia Tbk.
p.90
unresolved
person
RUPST
· Commissioner
p.92
unresolved
—
West Java. Diangkat
· Presiden Komisaris
p.95
unresolved
person
Notary Jose Dima Satria S.H.
· Notaris
p.95 ×15
unresolved
org
Nasional Sertifikasi
p.95 ×3
unresolved
org
Ministry of Research
p.95 ×2
unresolved
org
Kementerian Keuangan
p.95 ×3
unresolved
org
Bank Indonesia Supervision Hibah Badan Supervisi Bank Indonesia
p.95
unresolved
org
Supervisi Bank Indonesia
p.95
unresolved
—
South Jakarta. Diangkat
· Komisaris
p.97
unresolved
org
Shanghai Banking Corporation Limited Jakarta Branch Banking Corporation
p.97
unresolved
org
PT Bank ANZ Head
p.97
unresolved
org
PT Bank ANZ Indonesia
p.97 ×2
unresolved
org
PT Bank ANZ
p.97
unresolved
—
West Java. Menjabat
· Komisaris Independen
p.99
unresolved
—
Served
· Independent Commissioner
p.99 ×2
unresolved
org
PT HRD
p.99
unresolved
org
PT HRD Indonesia
p.99
unresolved
org
PT Bina
p.99
unresolved
org
PT Bina Kompetensia Pesona
p.99
unresolved
org
PT BSI Group Indonesia
p.99 ×2
unresolved
org
PT Pertamina Lubricants
· Direktur
p.99 ×2
unresolved
—
Patra Niaga
· Direktur
p.99
unresolved
org
PT Pertamina International Timor
p.99 ×2
unresolved
org
PT Pertamina International Shipping
p.99 ×2
unresolved
—
North Jakarta. Menjabat
· Komisaris
p.101
unresolved
org
PT Nusantara Sugihartana
p.101
unresolved
org
PT Nusantara Sugihartana Internasional
p.101 ×2
unresolved
—
South Jakarta. Menjabat
· Komisaris Independen
p.103
unresolved
org
Nasional
p.103
unresolved
org
PT Pertamina Tongkang
p.103 ×2
unresolved
org
Non Executive Non-Executive Director Pertamina Energy Trading Limited
p.103
unresolved
org
Pertamina Energy Trading Limited
p.103
unresolved
org
PT Patra Jasa. Beliau
p.103
unresolved
org
PT Patra Jasa. He
p.103
unresolved
org
PT Pertamina Hulu
p.103
unresolved
person
Pemantau Risiko
· Komisaris
p.104
unresolved
—
Universit
· President Commissioner
p.104
unresolved
org
Perbankan Syariah Universit
· Ketua
p.104
unresolved
org
Syariah
· Komisaris
p.105 ×6
unresolved
person
Sharia
· Commissioner
p.105 ×4
unresolved
org
PT Asuransi Adira Dinamika
p.109 ×2
unresolved
org
PT Asuransi Takaful Umum
p.109
unresolved
org
PT LSP Perasuransian Syariah
p.109 ×2
unresolved
org
PT Asuransi Bintang Wakil Ketua Umum Asosiasi Asuransi
p.109
unresolved
org
Yayasan Asuransi Indonesia.
p.109
unresolved
org
PT Pertamina Internasional Penugasan
p.111
unresolved
org
PT Pertamina Internasional
p.111
unresolved
org
PT Pertamina Geothermal Energy Vice President Treasury
p.111
unresolved
org
PT Asuransi Astra Buana
p.113
unresolved
org
PT Reasuransi Maipark Indonesia
p.118 ×2
unresolved
org
PT Pratama Mitra Sejati
p.118
unresolved
org
PT Pratama Mitra Services
p.118
unresolved
org
PT Dantindo Entrycom
p.131
unresolved
org
Samsung Fire and Marine Insurance Co. Ltd.
p.131
unresolved
org
Marine Insurance Co. Ltd.
p.131
unresolved
org
Kementerian BUMN Indonesia Goverment
p.133
unresolved
org
Government of the Republic of Indonesia
p.134
unresolved
org
Ministry of State-Owned Enterprises
p.134
unresolved
person
Bambang Suswantono
p.134 ×2
unresolved
person
H. Achsien
p.134 ×2
unresolved
org
PT Bank Ekspor Impor Indonesia (Persero)
p.197
unresolved
org
PT Bahana TCW Investment Management
p.197
unresolved
org
PT Pupuk Kalimantan Timur
p.197
unresolved
org
Aneka Gas Industri Tbk
p.197 ×2
unresolved
org
PT Petrokimia Gresik
p.197
unresolved
org
Kementerian BUMN
p.208
unresolved
org
Milik Negara No. SK-
p.208
unresolved
person
Very Good
· Komisaris
p.208
unresolved
person
Other Functions
· Komisaris
p.210
unresolved
—
SKD
· Director
p.211 ×3
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