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PT MSIG LIFE INSURANCE INDONESIA Tbk
Live oiut r way
Kantor Pusat
Sinarmas MSIG Tower Lantai 6, Jln. Jend. Sudirman Kav. 21 Jakarta 12920 y
LAPORAN KEUANGAN / FINANCIAL STATEMENTS
LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN LAPORAN ARUS KAS / STATEMENT OF CASH FLOWS
LAPORAN POSISI KEUANGAN / STATEMENT OF FINANCIAL POSITION
/ STATEMENT OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME Untuk Tahun yang Berakhir pada Tanggal 31 Desember 2023 / For the Year Ended December 31, 2023
Tanggal 31 Desember 2023 / As of December 31, 2023
Untuk Tahun yang Berakhir pada Tanggal 31 Desember 2023 / For the Year Ended December 31, 2023 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) / (Expressed in millions of Rupiah, unless otherwise stated)
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) / (Expressed in millions of Rupiah, unless otherwise stated)
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) / (Expressed in millions of Rupiah, unless otherwise stated)
ASET/ASSETS 2023 2022 LIABILITAS, DANA PESERTA DAN EKUITAS 2023 2022 URAIAN/DESCRIPTION 2023 2022 2023 2022
URAIAN / DESCRIPTION
/ LIABILITIES, PARTICIPANTS’ FUND AND EQUITY
I. INVESTASI/ INVESTMENTS III. LIABILITAS/LIABILITIES 1 PENDAPATAN/INCOME ARUS KAS DARI AKTIVITAS OPERASI/ CASH FLOWS FROM OPERATING ACTIVITIES
1 Deposito berjangka/ Time deposits 1 Utang reasuransi/ Due to reinsurers 51.227 17.562 2 Premi bruto/Gross premiums 2.700.081 2.610.679 Penerimaan dari/ Receipts of:
Pihak ketiga/ Third parties 961.126 822.272 2 Utang koasuransi/ Due to coinsurer - 29.043 3 Premi reasuransi/Reinsurance premiums (45.437) (25.975) Premi/ Premiums 2.703.080 2.441.033
Pihak berelasi/ Related parties 49.491 - 3 Utang komisi/ Commissions payable 4 Kenaikan premi belum merupakan pendapatan/Increase in unearned premiums (85.686) (5.186) Ujrah/ Ujrah 54.236 44.085
2 Efek saham/ Equity securities Pihak ketiga/ Third parties 62.723 51.279 5 Kenaikan (penurunan) aset reasuransi - premi belum merupakan pendapatan/Increase (decrease) in related reinsurance assets - Komisi reasuransi dan klaim/ Reinsurance commissions and claims 12.362 19.183
Pihak ketiga/ Third parties 2.317.523 2.620.006 Pihak berelasi/ Related parties 13.504 23.099 unearned premium 728 (4.321) Lain-lain/ Others 137.495 86.438
Pihak berelasi/ Related parties 10.287 23.815 4 Beban akrual/ Accrued expenses 93.919 91.600 6 Pendapatan premi neto/Net premium income 2.569.686 2.575.197 Pembayaran untuk/ Payments for:
3 Obligasi korporasi/ Corporate bonds 5 Liabilitas imbalan kerja karyawan/ Employee benefits liability 18.301 34.456 Klaim dan manfaat/ Claims and benefits (2.575.703) (3.041.318)
1.985.935 2.320.440 6 Liabilitas sewa/ Lease liabilities 14.696 9.050 7 Pendapatan pengelolaan operasi asuransi syariah (ujrah)/Income from operational management on sharia insurance (ujrah) 56.795 23.221 Beban operasi/ Operating expenses (420.636) (308.509)
Pihak ketiga/ Third parties
8.678 6.728 8 Hasil investasi - neto/Investment income - net 818.646 764.994 Komisi dan tunjangan agen/ Agents’ commissions and allowances (767.346) (508.919)
Pihak berelasi/ Related parties 58.368 31.803 7 Utang pajak/ Taxes payable
36.765 31.065 9 Pembalikan (penyisihan) kerugian penurunan nilai/Reversal (provision) for impairment losses 2.189 7,219 Premi reasuransi/ Reinsurance premiums (17.698) (51.516)
4 MTN/ MTN 8 Liabilitas pajak tangguhan/ Deferred tax liabilities
299.805 229.676 10 Pendapatan lain-lain/Other income 48.571 150.516 Imbalan kerja karyawan/ Employee benefits (837) (1.965)
Pihak ketiga/ Third parties 100.000 100.000 9 Utang lain-lain/ Other liabilities
57.642 61.076 11 Total Pendapatan/Total Income 3.495.887 3.521.147 Arus kas neto digunakan untuk aktivitas operasi/Net cash flows used in operating activities (875.047) (1.321.488)
5 Surat berharga yang diterbitkan oleh negara RI/ Indonesian government bonds 10 Ujrah diterima dimuka/ Unearned ujrah
Pihak ketiga/ Third parties 6.624.014 5.170.828 11 Liabilitas kepada pemegang polis/ Liabilities to policyholders:
ARUS KAS DARI AKTIVITAS INVESTASI/ CASH FLOWS FROM INVESTING ACTIVITIES
6 Surat berharga yang diterbitkan oleh negara Liabilitas manfaat polis masa depan/ Liability for future policy benefits 2.300.729 2.356.748 12 BEBAN/EXPENSES
(Kenaikan) penurunan deposito berjangka/(Increase) decrease in time deposits (188.911) 223.495
selain negara RI/ Foreign government bonds Liabilitas unit link/ Liability for unit link 3.559.673 4.202.654 13 Klaim dan Manfaat/Claims and benefits:
(Kenaikan) efek yang diukur pada nilai wajar melalui penghasilan komprehensif lain/(Increase) in fair value through other
Pihak ketiga/ Third parties - - Premi belum merupakan pendapatan/ Unearned premiums 180.102 92.318 Klaim dan manfaat/Claims and benefits 2.594.336 3.071.806
comprehensive income securities (463.795) (297.293)
7 Reksa dana/ Mutual funds Estimasi liabilitas klaim/ Estimated claims liability 264.937 154.529 Klaim Reasuransi/Reinsurance claim recoveries (16.083) (16.629) Hasil investasi - neto/ Investment income - net 728.770 478.061
Pihak ketiga/ Third parties 1.092.412 1.638.422 Utang klaim/ Claims payable 53.140 75.304 (Penurunan) kenaikan liabilitas manfaat polis masa depan dan estimasi liabilitas klaim/(Decrease) increase in liability for future Penerimaan atas penjualan aset tetap/ Proceeds from sale of fixed assets 1.669 3.078
Pihak berelasi/ Related parties policy benefits and estimated claims liability:
- 411.093 Simpanan pemegang polis/ Policyholders' deposits 205.749 103.638 Penurunan pinjaman hipotik/Decrease in mortgage loans 1.359 1.872
8 Penyertaan langsung/ Direct placements - Unit link/Unit link (643.754) (495.087)
261 261 Jumlah liabilitas kepada pemegang polis/ Total liabilities to policyholders 6.564.330 6.985.191 (Kenaikan) pinjaman polis/Increase) in policy loans (191) (68)
9 Pinjaman yang dijamin dengan hak tanggungan/ Mortgage loans - Polis lain/Other policies 43.139 (407.909)
3.292 4.631 Penurunan efek yang diukur pada nilai wajar melalui laba rugi/ Decrease in fair value through profit and loss securities 643.769 775.889
10 Pinjaman polis/ Policy loans 12 JUMLAH LIABILITAS/ TOTAL LIABILITIES (1 s/d 11) 7.221.590 7.569.825 (Kenaikan) penurunan aset reasuransi - liabilitas manfaat polis masa depan/ (Increase) decrease in reinsurance assets - liability for
2.452 2.262 Penurunan (kenaikan) dana investasi peserta - syariah/ Decrease (increase) in participant investment fund - sharia (37.290) 56.463
future policy benefits (21.322) 1.975
11 JUMLAH INVESTASI/ TOTAL INVESTMENTS (1 s/d 10) 13.205.161 13.145.833 Perolehan aset tetap/ Acquisition of fixed assets (2.137) (5.563)
14 Klaim dan manfaat - neto/Claims and benefits - net 1.956.316 2.154.156
13 DANA PESERTA/ PARTICIPANTS’ FUND 240.831 282.047 Perolehan aset tak berwujud/ Acquisition of intangible assets (8.826) (5.914)
II. BUKAN INVESTASI/ NON INVESTMENTS Arus kas neto diperoleh dari aktivitas investasi/Net cash flows provided by investing activities 674.417 1.230.020
15 Beban akuisisi/Acquisition expenses 729.924 463.171
12 Kas dan bank/Cash on hand and in banks IV. EKUITAS/ EQUITY
16 Beban pemasaran/Marketing expenses 88.397 72.672
Pihak ketiga/ Third parties 671.750 1.191.519 ARUS KAS DARI AKTIVITAS PENDANAAN/ CASH FLOWS FROM FINANCING ACTIVITY
17 Beban umum dan adminstrasi/General and administrative expenses 406.464 343.457
Pihak berelasi/ Related parties 109.065 172.053 Modal saham - nilai nominal Rp100 (nilai penuh) per saham /Share capital - Rp100 Pembayaran dividen/ Payment of dividend (371.700) (71.400)
(full amount) par value per share 18 Beban Lain-lain/Other expenses 115.675 59.030
13 Piutang premi/ Premium receivables 48.592 53.968 Pembayaran liabilitas sewa/ Payment of lease liabilities (10.741) (11.753)
14 Aset reasuransi/ Reinsurance assets 14 Modal dasar, ditempatkan dan disetor penuh - 2.100.000.000 (nilai penuh) saham Arus kas digunakan untuk aktivitas pendanaan/ Cash flows used in financing activities (382.441) (83.153)
59.745 34.267 210.000 210.000
/Authorized, issued and fully paid - 2,100,000,000 (full amount) shares 19 TOTAL BEBAN/TOTAL EXPENSES 3.296.776 3.092.486
15 Piutang koasuransi/ Coinsurance receivables - 32.808 (PENURUNAN) NETO KAS DAN BANK/NET (DECREASE) IN CASH ON HAND AND IN BANKS (583.071) (174.621)
15 Tambahan modal disetor/Additional paid-in capital 6.842.500 6.842.500 20 LABA SEBELUM BEBAN PAJAK FINAL DAN PAJAK PENGHASILAN/INCOME BEFORE FINAL TAX AND INCOME TAX EXPENSE 199.111 428.661
16 Piutang investasi/ Investment receivables
16 Keuntungan yang belum direalisasi atas perubahan nilai wajar efek yang diukur KAS DAN BANK AWAL TAHUN/ CASH ON HAND AND IN BANKS AT BEGINNING OF YEAR 1.367.342 1.532.896
Pihak ketiga/ Third parties 157.048 172.088 pada nilai wajar melalui penghasilan komprehensif lain - neto/Unrealized gain 21 Pajak final/Final tax (71.608) (68.948)
Pihak berelasi/ Related parties 727 1.087 on changes in fair value of securities at fair value through other comprehensive PENGARUH PERUBAHAN KURS TERHADAP KAS DAN BANK
income - net 191.502 136.491 22 LABA SEBELUM PAJAK PENGHASILAN/INCOME BEFORE INCOME TAX EXPENSE 127.503 359.713
17 Aset tetap - neto/ Fixed assets - net 155.457 175.816 /NET EFFECT OF CHANGES IN EXCHANGE RATES ON CASH ON HAND AND IN BANKS (1.720) 9.067
17 Penyisihan kerugian penurunan nilai atas efek yang diukur pada nilai wajar 23 (Beban) manfaat pajak penghasilan/Income tax (expense) benefit (1.015) 8.060
18 Biaya dibayar di muka/ Prepaid expenses
melalui penghasilan komprehensif lain/Allowance for impairment losses on 24 LABA TAHUN BERJALAN/INCOME FOR THE YEAR 126.488 367.773 KAS DAN BANK AKHIR TAHUN/ CASH ON HAND AND IN BANKS AT END OF YEAR 782.551 1.367.342
Pihak ketiga/ Third parties 139.418 99.255 securities measured at fair value through other comprehensive income 2.280 2.782
25 Penghasilan komprehensif lain/Other comprehensive income :
Pihak berelasi/ Related parties 2.259 2.355 18 Surplus revaluasi tanah dan bangunan - neto/Revaluation surplus on land and
107.257 111.259 Pos yang akan direklasifikasi ke laba rugi/Item that will be reclassified to profit or loss
19 Aset lain-lain/ Other assets buildings - net
137.996 381.538 Keuntungan (kerugian) yang belum direalisasi atas perubahan nilai wajar efek yang diukur pada nilai wajar melalui penghasilan
Pihak ketiga/ Third parties 362.865 425.680 19 Saldo laba/ Retained earnings komprehensif lain/Unrealized gain (loss) gain on changes in fair value of securities at fair value through other comprehensive income 60.795 (200.578)
Pihak berelasi/ Related parties 3.093 3.093 Pajak penghasilan terkait/Related income tax (5.784) 20.307
20 Aset hak guna - neto/ Right-of-use assets - net 16.360 12.100 Penyisihan kerugian penurunan nilai atas efek yang diukur pada nilai wajar melalui penghasilan komprehensif lain/Allowance for
20 JUMLAH EKUITAS/ TOTAL EQUITY (14 s/d 19) 7.491.535 7.684.570
21 Piutang lain-lain/ Other receivables 22.416 14.520 impairment losses on securities measured at fair value through other comprehensive income (502) (365)
22 JUMLAH BUKAN INVESTASI/ TOTAL NON INVESTMENTS (12 s/d 21) 1.748.795 2.390.609 21 JUMLAH LIABILITAS, DANA PESERTA, DAN EKUITAS / TOTAL LIABILITIES,
PARTICIPANTS’ FUND AND EQUITY (12 + 13 + 20) 14.953.956 15.536.442
23 JUMLAH ASET/ TOTAL ASSETS (11 + 22) 14.953.956 15.536.442 Pos yang tidak akan direklasifikasi ke laba rugi/Item that will not be reclassified to profit or loss
Surplus revaluasi tanah dan bangunan/Revaluation surplus on land and buildings (5.131) (5.131)
LAPORAN PERUBAHAN EKUITAS / STATEMENT OF CHANGES IN EQUITY Pajak penghasilan terkait/Related income tax 1.129 (11.332)
Untuk Tahun yang Berakhir pada Tanggal 31 Desember 2023 / For the Year Ended December 31, 2023 Pengukuran kembali liabilitas imbalan kerja karyawan/Remeasurement of employee benefits liability (3.461) (3.078)
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) / (Expressed in millions of Rupiah, unless otherwise stated) Keuntungan (kerugian) yang belum direalisasi atas perubahan nilai wajar efek sekuritas yang diukur pada nilai wajar melalui
penghasilan komprehensif lain/Unrealized gain (loss) on changes in fair value of equity securities at fair value through - 153.176
Penyisihan kerugian Saldo Laba/ (Kerugian) keuntungan yang telah direalisasi atas pelepsan efek ekuitas yang diukur pada nilai wajar melalui penghasilan
Keuntungan (kerugian) penurunan nilai atas Surplus Retained earnings
yang belum direalisasi revaluasi tanah komprehensif lain/Realized (loss) gain on disposal of equity securities at fair value through other comprehensive income - (137.549)
Modal saham efek yang diukur pada
ditempatkan Tambahan atas perubahan nilai wajar nilai wajar melalui dan bangunan - Penghasilan (rugi) komprehensif lain, setelah pajak/Other comprehensive (loss) income, net of tax
Modal 47.046 (184.550)
dan disetor efek tersedia untuk dijual penghasilan neto/
disetor/ Cadangan Belum
URAIAN/DESCRIPTION penuh - neto/ Unrealized gain komprehensif lain/ Revaluation Total Ekuitas/
Additional umum/ ditentukan
/Issued and (loss) on changes in fair Allowance for surplus on land Total Equity 26 TOTAL PENGHASILAN KOMPREHENSIF TAHUN BERJALAN/TOTAL COMPREHENSIVE INCOME FOR THE YEAR 173.534
paid-in Appropriated penggunaannya/ 183.223
fully paid value of securities at fair impairment losses on and buildings -
capital for general Unappropriated
share capital value through other securities measured at net reserve
comprehensive income - fair value through other
net 27 LABA PER SAHAM DASAR (nilai penuh)/BASIC EARNINGS PER SHARE (full amount) 60 175
comprehensive income
Saldo per 1 Januari 2022/ Balance as of January 1, 2022 210.000 6.842.500 163.586 3.147 127.722 3.547 217.114 7.567.616
Catatan/Notes:
Laba Tahun berjalan/ Income for the year - - - - - - 367.773 367.773
1. Informasi keuangan yang disajikan dalam Publikasi ini diambil dari Laporan Keuangan PT MSIG Life Insurance Indonesia Tbk ("Perusahaan") pada tanggal 31 Desember 2023 dan untuk tahun yang berakhir pada tanggal tersebut, yang disusun oleh Manajemen Perusahaan sesuai degan
Kerugian yang belum direalisasi atas perubahan nilai wajar efek yang diukur pada nilai wajar
Standar Akuntansi Keuangan (SAK) di Indonesia, yang telah diaudit oleh KAP Purwantono, Sungkoro & Surja ("PSS"), firma anggota Ernst & Young Global Limited dengan rekan penanggung jawab adalah Ignatius Yokajaya, auditor independen, berdasarkan Standar Audit yang ditetapkan
melalui penghasilan komprehensif lain - neto / Unrealized loss on changes in fair value of
securities at fair value through other comprehensive income - net - - (27.095) - - - - (27.095)
oleh Institut Akuntan Publik Indonesia, dengan opini tanpa modifikasian , sebagaimana tercantum dalam laporannya tanggal 28 Maret 2024 yang tidak termasuk dalam Publikasi ini.
Kerugian yang telah direalisasi atas pelepasan nilai wajar efek ekuitas yang diukur pada nilai The financial information presented in this Publication is taken from the Financial Statements of PT MSIG Life Insurance Indonesia Tbk (the "Company") as of December 31, 2023 and for the year ended on that date, prepared by the Company's Management in accordance with Financial
wajar melalui penghasilan komprehensif lain/ Realized loss on changes in fair value of equity Accounting Standards (SAK) in Indonesia, which have been audited by KAP Purwantono, Sungkoro & Surja ("PSS"), member firms of Ernst & Young Global Limited with signing partner is Ignatius Yokajaya, independent auditors, based on Audit Standards established by the Indonesian
securities at fair value through other comprehensive income - - - - - - (137.549) (137.549) Institute of Certified Public Accountants, with opinion Unqualified Opinion, as stated in its report dated March 28, 2024 which is not included in this Publication.
Cadangan umum / Appropriated for general reserve - - - - - 724 (724) - 2. Angka (nilai) yang disajikan pada Laporan Posisi Keuangan dan Laporan Laba Rugi Komprehensif di atas diambil dari Laporan Keuangan Audit yang disusun berdasarkan Standar Akuntansi Keuangan (Audited)/ The figures (values) presented in the Statement of Financial Position and
Comprehensive Income Statement above are taken from the Audited Financial Statements prepared based on Financial Accounting Standards (Audited).
Pengukuran kembali liabilitas imbalan kerja karyawan / Remeasurement of employee
benefits liability - - - - - - (3.078) (3.078) 3. Kurs pada tanggal 31 Desember 2023, 1 US $ : Rp15.416 (nilai penuh)/ Exchange rate on December 31, 2023, 1 US $ : Rp15,416 (full amount).
Kurs pada tanggal 31 Desember 2022, 1 US $ : Rp15.731 (nilai penuh)/ Exchange rate on December 31, 2022, 1 US $ : Rp15,731 (full amount).
Penyisihan kerugian penurunan nilai atas efek yang diukur pada nilai wajar melalui
penghasilan komprehensif lain / Allowance for impairment losses on securities measured at 4. Laba bersih per saham dasar dihitung berdasarkan laba tahun berjalan dibagi dengan rata-rata tertimbang jumlah saham yang beredar selama tahun yang bersangkutan/ Basic Earnings per share is computed based on income for the year divided by the weighted average number of issued
fair value through other comprehensive income - - - (365) - - - (365) and fully paid shares outstanding during the year.
Surplus revaluasi tanah dan bangunan tahun berjalan - neto / Revaluation surplus on land
and buildings for the year - net - - - - (16.463) - - (16.463)
Transfer surplus revaluasi tanah dan bangunan ke saldo laba / Transfer of revaluation surplus
on land and buildings to retained earnings - - - - - - 5.131 5.131
Dividen / Dividend - - - - - - (71.400) (71.400)
Saldo per 31 Desember 2022/ Balance as of December 31, 2022 210.000 6.842.500 136.491 2.782 111.259 4.271 377.267 7.684.570
Saldo per 1 Januari 2023/ Balance as of January 1, 2023 210.000 6.842.500 136.491 2.782 111.259 4.271 377.267 7.684.570
Laba Tahun berjalan/ Income for the year - - - - - - 126.488 126.488
Keuntungan yang belum direalisasi atas perubahan nilai wajar efek yang diukur pada nilai
wajar melalui penghasilan komprehensif lain neto / Unrealized gain on changes in fair value
of securities at fair value through other comprehensive income - net - - 55.011 - - - - 55.011
Cadangan umum / Appropriated for general reserve - - - - - 4.500 (4.500) -
Pengukuran kembali liabilitas imbalan kerja karyawan / Remeasurement of employee benefits
liability - - - - - - (3.461) (3.461)
Penyisihan kerugian penurunan nilai atas efek yang diukur pada nilai wajar melalui Jakarta, 31 Maret 2024/ Jakarta, March 31, 2024
penghasilan komprehensif lain / Allowance for impairment losses on securities measured at
fair value through other comprehensive income - - - (502) - - - (502)
PT MSIG Life Insurance Indonesia Tbk.
Surplus revaluasi tanah dan bangunan tahun berjalan - neto / Revaluation surplus on land Direksi / Board of Directors
and buildings for the year - net - - - - (4.002) - - (4.002)
Transfer surplus revaluasi tanah dan bangunan ke saldo laba / Transfer of revaluation surplus
on land and buildings to retained earnings - - - - - - 5.131 5.131
Dividen / Dividend - - - - - - (371.700) (371.700)
Saldo per 31 Desember 2023/ Balance as of December 31, 2023 210.000 6.842.500 191.502 2.280 107.257 8.771 129.225 7.491.535
(021) 5060 9999 / 2650 8300 088 1234 1088 msiglife.co.id www.msiglife.co.id MSIG Life | PT MSIG Life Insurance Indonesia Tbk berizin dan diawasi oleh Otoritas Jasa Keuangan.
Names mentioned 5 people and organisations named in the text · linked when the evidence is strong
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Life Insurance Indonesia Tbk
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Purwantono
p.1 ×2
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Young Global Limited
p.1 ×2
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