ikhtisar keuangan financial highlights · manajemen risiko dan sistem pengendalian internal, guna...
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IKHTISAR KEUANGANFinancial Highlights
AsetAssets
PendapatanRevenue
Rasio MMBRMMB Ratio
EkuitasEquity
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
Dalam % / In %
Laporan Laba Rugi KomprehensifStatement of Comprehensive Income 2019 201620172018Posisi Keuangan Financial Position
Total Aset Total Assets
Jumlah Aset Lancar Total Current Assets
Jumlah Aset Tidak Lancar Total non-Current Assets
Jumlah Liabilitas Jangka Pendek Total Current Liabilities
Jumlah Liabilitas Jangka Panjang Total non-Current Liabilities
Liabilitas Liabilities
Ekuitas Equity
Liabilitas dan Ekuitas Liabilities and Equity
Laba (Rugi) Komprehensif Comprehensive Income Statement
Pendapatan Revenues
Beban Langsung Direct Expenses
Laba Sebelum Pajak Profit Before Tax
Manfaat (Beban) Pajak Tax Expenses
Laba Tahun Berjalan Profit for The Year
Laba (Rugi) Neto Yang Dapat Didistribusikan Kepada Pemilik Entitas Induk Net income (loss) Attributable to owners of the Parent entity
Laba (Rugi) Neto Yang Dapat Didistribusikan Kepada Kepentingan Non-Pengendali Net income (loss) Attributable to non-Controlling interests
Total Penghasilan Komprehensif lainTotal Other Comprehensive Income
Jumlah Laba Komprehensif Total Comprehensive Income
Total Laba (Rugi) Komprehensif yang Diatribusikan Kepada Pemilik Entitas Induk Total Comprehensive income (loss) Atributable to owners of the Parent entity
Total Laba (Rugi) Komprehensif yang Diatribusikan Kepada Kepentingan non-Pengendali Total Comprehensive income (loss) Atributable to non-Controlling interest
Laba per Saham Dasar (dalam Rp) Basic Earnings per Share (in Rp)
Rasio Keuangan Financial Ratios
Rasio MMBR MMBR Ratio
Rasio Kecukupan Investasi Investment Adequacy Ratio
Rasio Premi Neto terhadap Premi Bruto Net Premiums to Gross Premiums Ratio
Rasio Premi Neto terhadap Modal Sendiri Net Premiums to Owner’s equity Ratio
Rasio Premi Tidak Langsung Terhadap Premi Langsung Indirect Premiums to Direct Premiums Ratio
Rasio Laba Bersih Terhadap Aset Return on Assets
Rasio Laba Bersih Terhadap Ekuitas Return on Equity
Rasio Liabilitas Terhadap Aset Liabilities to Assets Ratio
Rasio Liabilitas Terhadap Ekuitas Liabilities to Equity Ratio
Rasio Ekuitas Terhadap Aset Equity to Assets Ratio
284.171
219.837
64.334
21.768
76.071
97.838
186,332
284.171
48.732
26.672
22.060
(254)
21.806
15.951
5.855
(2.888)
18.917
13.839
5.079
15,00
911,01
1157,77`
40,10
14,19
(0,02)
7,67
11,70
34,43
52,51
65,57
262.119
208,784
53.335
17.355
65.036
82.391
179,728
262,119
37.166
32.372
4.794
(846)
3.948
2.893
1.055
(11.951)
(8.003)
(5.865)
(2.138)
2,72
879,56
1.105,85
40,19
11,00
0.50
1.51
2.20
31.43
45.84
68.57
253.643
226.284
27.359
10.325
53.416
63.741
189,902
253,643
45,599
37,086
8,513
302
8,815
6,468
2,347
13,636
22,451
16,472
5,979
6,07
849,05
704,17
61,96
16.15
0.50
3.48
4.64
25.13
33.57
74.87
233.875
207.548
26.327
19.776
46.833
66.609
167,266
233,875
38,133
29,899
8,234
(242)
7,992
5,864
2,128
6,027)
1,965
1,441
523
5,51
793.82
770.83
54,26
18.88
0.60
3.42
4.78
28.48
38.82
71.52
Dalam Jutaan Rupiah / In Millions of Rupiah
Dalam Jutaan Rupiah / In Millions of Rupiah
Dalam Jutaan Rupiah / In Millions of Rupiah
Dalam Jutaan Rupiah / In Millions of Rupiah
Dalam Jutaan Rupiah / In Millions of Rupiah
284.170
48.732
911,01%
262.119
45.599 37.166
253.643
38.133
849.05% 879.56%
233.875
793.82%
186,332179.728189.902167.266
Laba Tahun BerjalanProfit for the Year
Dalam Jutaan Rupiah / In Millions of Rupiah
21.8063.9488.8157.992
Laba per SahamEarning per Share
Dalam Jutaan Rupiah / In Millions of Rupiah
15,006.07 2.725.51
6 7PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
Data Saham Perkuartal Tahun 20192019 Quarterly Stock Data
Kuartal I1st Quarter
Kuartal II2nd Quarter
Kuartal III3rd Quarter
Kuartal IV4th Quarter
133
134
153
195
91
88
86
97
103
93
122
123
2.314.000
132.824.000
14.356.000
62.058.000
TertinggiHighest
TerendahLowest
PenutupanClosing
Volume(Lembar Saham / Share)
Data Saham Perkuartal Tahun 20182018 Quarterly Stock Data
TertinggiHighest
TerendahLowest
PenutupanClosing
Volume(Lembar Saham / Share)
Kuartal I1st Quarter
Kuartal II2nd Quarter
Kuartal III3rd Quarter
Kuartal IV4th Quarter
206
160
150
126
130
110
81
76
141
122
103
126
13.042.000
1.132.000
1.768.000
20.170.000
Pertumbuhan Total Kapitalisasi Pasar Saham PerusahaanTotal Stock Market Capitalization Growth of the Company
Total saham yang diperdagangkan per 31 Desember 2018 sebesar 1.453.582.700 lembar saham dengan Total Kapitalisasi Rp183.151.420.200Per 31 Desember 2019 total saham yang diperdagangkan sebesar 1.456.606.201 lembar saham dengan Total Kapitalisasi Rp179.162.562.723
Total of 1,453,582,700 listed shares traded with Total Capitalization of Rp183,151,420,200 per December 31, 2018
Per December 31, 2019 total of 1,456,606,201 listed shares traded with Total Capitalization of Rp179,162,562,723
*dalam satuan lembar saham*in shares
2019
2018
100 150 200
Rp179.162.562.723
Rp183.151.420.200 2019
2018
0 1.000.000.000 1.500.000.000
1.456.606.201
1.453.582.700
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
IKHTISAR SAHAMStock Highlights
8 9PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
Grafik Kinerja Saham Bulanan 2019Monthly Stock Perfomance Graph 2019
JAN MAY SEPMAR JUL NOVFEB JUN OCTAPR AUG DEC
VolumeHarga Penutupan / Closing Price
Unit
60.000.000
70.000.000
50.000.000
40.000.000
30.000.000
20.000.000
10.000.000
0
200
250
300
400
150
100
50
858.
000
98
941.
000
104
515.
000
103
65.2
58.0
0010
2
67.2
23.0
0092
229.
000
103
12.1
99.0
0012
2
4.22
5.00
011
5
0
Dalam Rupiah / In Rupiah
123
5.68
2.00
0
951.
928.
000
122
52.1
51.0
00
9334
3.00
0
Total Volume Perdagangan Saham TahunanAnnual Shares Trading Volume
xx
2019
Tertinggi / Highest Terendah / Lowest Penutupan / Closing
Unit2018
JAN MAY SEPMAR JUL NOVFEB JUN OCTAPR AUG DEC
Grafik Kinerja Harga Saham BulananMonthly Stock Price Perfomance Graph
100
150
200
50
JAN MAY SEPMAR JUL NOVFEB JUN OCTAPR AUG DEC
LAPORANMANAJEMENManagement Report
02
10 11PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
Pemegang Saham yang Terhormat,
Di tengah perekonomian global yang penuh ketidakpastian akibat fenomena Trade War, pertumbuhan ekonomi Indonesia yang masih terbilang cukup baik dengan bertahan berada pada angka 5,02%, memang melemah bila dibandingkan dengan tahun 2018 di angka 5,15%. Namun capaian tersebut masih lebih baik dibanding negara-negara berkembang lainnya. Ditambah laju inflasi yang berhasil ditekan rendah dan penguatan nilai tukar Rupiah, secara umum perekonomian nasional masih bisa terbilang cukup kondusif.
Hal tersebut tentunya sangat menunjang kinerja Perseroan, di mana Laba Tahun Berjalan meningkat secara signifikan menjadi Rp 21,81 miliar dibandingkan tahun sebelumnya sebesar Rp 3,95 miliar.
Penilaian Kinerja Direksi
Dewan Komisaris senantiasa mengapresiasi komitmen Direksi dalam menjalankan dan menerapkan strategi untuk pencapaian kinerja Perseroan yang lebih baik. Komitmen tersebut dapat dibuktikan dengan keberhasilan dan peningkatan kinerja Perseroan di sepanjang tahun 2019.
LAPORANDEWAN
Board of Commissioners’ ReportKOMISARIS
Komisaris UtamaPresident Commissioner
Sulistijowati
Dear Shareholders,
In the midst of an uncertain global economy due to Trade War, Indonesia’s economic growth, despite the decline, was quite good. It stood at 5.02%, or lower than 2018 of 5.15%. What Indonesia achieved were still better than other developing countries, especially with the low inflation rate and the strengthening of Rupiah exchange rate. In general the Indonesian economy was quite conducive.
This certainly greatly supports the Company’s performance, where the Profit for the Year increased significantly to Rp 21.81 billion compared to the previous year of Rp 3.95 billion.
Assessment of Directors’ Performance
The Board of Commissioners would always appreciate Directors’ commitment in carrying out strategies for achieving better performance for the Company. This commitment was proven by the success and improvement of the Company’s performance throughout 2019.
12 13PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
Prospek 2020
Memasuki tahun 2020, diperkirakan bahwa laju pertumbuhan ekonomi global akan terkoreksi dari prediksi semula akibat pandemi COVID-19 di awal tahun yang dikhawatirkan akan mempengaruhi kondisi ekonomi nasional. Namun Dewan Komisaris senantiasa optimis dengan pertumbuhan bisnis Perseroan pada tahun 2020 berdasarkan pencapaian keuntungan di tahun 2019 yang tentunya akan menjadi fundamental baru bagi capaian Perseroan ke depan.
Dewan Komisaris berharap bahwa Perseroan akan fokus pada strategi perluasan portfolio bisnis dan peningkatan kerja sama strategis dengan mitra pilihan yang sejalan dengan karakter produk Perseroan sehingga dapat membuka banyak peluang baru.
Tata Kelola Perusahaan
Tata kelola yang efektif tentunya selalu menjadi prioritas utama kami. Dengan dibantu oleh Komite Nominasi dan Remunerasi serta Komite Audit, Perseroan diharapkan dapat melakukan optimalisasi atas kepatuhan pada prinsip-prinsip tata kelola yang baik. Melalui Komite Audit, pengawasan diperketat secara terus menerus terutama terhadap aspek manajemen risiko dan sistem pengendalian internal, guna memantau perkembangan audit internal dan eksternal serta mengawasi pelaksanaan rekomendasi dari audit tersebut.
Secara umum, Dewan Komisaris mengapresiasi penerapan prinsip-prinsip Tata Kelola yang berjalan di dalam Perseroan. Namun kami tetap melakukan pemantauan secara terus menerus agar segala kekurangan dapat dicatat dan segera ditindaklanjuti.
Pengarahan Direksi oleh Dewan Komisaris
Dalam mengarahkan dan menyampaikan saran kepada Direksi, Dewan Komisaris melakukan rapat gabungan bersama Direksi yang dilakukan secara berkala 1 kali dalam 3 bulan. Sepanjang tahun 2019, Dewan Komisaris dan Direksi telah menyelenggarakan rapat gabungan sebanyak 4 kali. Komposisi Dewan Komisaris
Sepanjang tahun 2019, tidak ada perubahan dalam komposisi Dewan Komisaris Perseroan.
2020 Prospect
Entering 2020, it is estimated that the pace of global economic growth will be corrected from the original prediction. the COVID-19 pandemic at the beginning of the year may affect national economic conditions. However, the Board of Commissioners is always optimistic about the growth of the Company’s business in 2020. This optimism is based on the profits in 2019 which will become a new fundamental for the Company’s achievements going forward.
The Board of Commissioners hopes that the Company will focus on expanding its business strategy and increase strategic cooperation with selected partners that are in line with the character of the Company’s products in order to open up many new opportunities.
Corporate governance
Effective corporate governance is certainly our top priority. With the assistance of the Nomination and Remuneration Committee and the Audit Committee, the Company is expected to optimize compliance with the good governance principles. Through the Audit Committee, supervision is strengthened continuously, especially on the risk management and internal control systems aspects. This is carried out to monitor the progress of internal and external audits and oversee the execution of the audit recommendations.
In general, the Board of Commissioners appreciates the implementation of the good governance principles within the Company. However, we will always carry out continuous monitoring so if any problems arise, we can be immediately take actions.
Direction by the Board of Commissioners to Directors
In giving directions and suggestions to Directors, the Board of Commissioners conduct joint meetings with Directors organized periodically once in 3 months. Throughout 2019, the Board of Commissioners and Directors organized 4 joint meetings.
Board of Commissioners Composition
Throughout 2019, there were no changes in the composition of the Company’s Board of Commissioners.
Apresiasi
Sebagai penutup, Dewan Komisaris ingin mengucapkan terima kasih kepada seluruh pemegang saham dan pemangku kepentingan atas dukungan yang tak henti-hentinya diberikan kepada Perseroan. Dewan Komisaris juga memberikan penghargaan kepada segenap jajaran manajemen dan staf atas dedikasinya dalam bersinergi untuk menciptakan kinerja yang baik. Pencapaian Perseroan tahun ini diharapkan akan memperkuat landasan untuk pertumbuhan yang berkesinambungan ke depan.
Appreciation
Lastly, the Board of Commissioners would like to thank all shareholders and stakeholders for their support for the Company. The Board of Commissioners also rewards all management and staff for their dedication in synergizing for good performance. The Company’s achievements this year are expected to strengthen the foundation for sustainable growth in the future.
14 15PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
Atas Nama Dewan KomisarisOn Behalf of the Board of Commissioners
SulistijowatiPresiden Komisaris Independen / Independent President
Commissioner
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
LAPORAN
Board of Directors’ ReportDIREKSI
Direktur UtamaPresident Director
Suwandi Suharto
Pemangku Kepentingan yang Terhormat,
Puji dan syukur senantiasa kami sampaikan kepada Tuhan Yang Maha Esa karena Perseroan dapat melalui tahun 2019 yang penuh tantangan dengan berhasil membukukan kinerja finansial yang baik.
Di tengah laju pertumbuhan ekonomi Indonesia yang terjaga di kisaran 5,02%, penguatan ekonomi nasional juga didukung stabilitas nilai tukar Rupiah yang tercatat di angka Rp13.920 per US Dollar pada 31 Desember 2019. Meskipun kesadaran akan pentingnya berasuransi masih tergolong rendah di Indonesia, namun dengan iklim investasi yang kondusif dan menguatnya perekonomian nasional, Perseroan senantiasa optimis untuk tetap meningkatkan kinerja Perseroan menuju pertumbuhan yang berkesinambungan.
Kinerja 2019
Sepanjang tahun 2019 Perseroan berhasil mencatatkan pendapatan premi yang naik 36,35% menjadi Rp 69,01 Miliar dibandingkan Rp50,67 Miliar pada tahun sebelumnya. Sumbangsih terbesar untuk pendapatan premi didapatkan dari lini usaha harta benda sebesar Rp45,59 Miliar yang meningkat secara signifikan sebesar 44,89% bila dibandingkan dengan tahun sebelumnya sebesar Rp 31,47 Miliar.
Dear our Honorable Stakeholders,
Our thanks and gratitude to God Almighty, for He led the Company to go through 2019 with good financial performance despite all the challenges.
Indonesia’s economic growth rate were maintained around 5.02% due to the strengthening of the national economy and the stability of the Rupiah exchange rate at Rp13,920 per US Dollar on December 31, 2019. The awareness of the importance of insurance is still relatively low in Indonesia, but with a conducive investment climate and a strengthening national economy, the Company is always optimistic to continue to improve the Company’s performance towards sustainable growth.
2019 Performance
Throughout 2019 the Company managed to record premium income which rose 36.35% to Rp 69.01 Billion compared to Rp50.67 Billion in the previous year. The largest contribution to premium income was obtained from the property business line of IDR45.59 Billion, which increased significantly by 44.89% compared to the previous year of IDR31.47 trillion.
16 17PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
Kendala
Sepanjang 2019, Perseroan tentunya tidak lepas dari tantangan dan kendala terutama aspek kompetisi yang semakin ketat untuk produk asuransi. Namun demikian, Perseroan secara konsisten terus meningkatkan kualitas pelayanan terutama terkait dengan penanganan klaim, agar nasabah mendapatkan pelayanan yang cepat, mudah mendapatkan informasi yang relevan dan penanganan klaim berjalan dengan profesional.
Strategi Perseroan
Perseroan secara konsisten meningkatkan portfolio bisnis untuk mendapatkan kontribusi premi yang lebih baik terutama dari segmen non-grup, hal ini juga didukung oleh kerja sama dengan pihak perantara pilihan yang cocok dengan karakter produk Perseroan sehingga mampu menjanjikan ruang untuk berkembang.
Sebagai Perseroan yang bergerak di bidang jasa, maka Perseroan sangat menyadari pentingnya pemahaman proses kerja yang masih belum dapat digantikan oleh mesin. Dari situ, Perseroan terus menjalankan berbagai program pelatihan untuk dapat meningkatkan pemahaman dan kualitas sumber daya manusia.
Selain itu Perseroan juga mengikuti perkembangan teknologi informasi dengan mengembangkan aplikasi Vinstech yang diharapkan dapat berfungsi sebagai intermediary agar kegiatan usaha Perseroan dapat berjalan dengan lebih efisien dan terotomatisasi.
Prospek Usaha
Perseroan menyambut baik tahun 2020, di mana laju pertumbuhan nasional diharapkan masih dapat dipertahankan pada kisaran di atas 5%, serta didukung juga dengan iklim investasi yang lebih kondusif atas selesainya tahun politik di 2019. Kinerja dan pencapaian Perseroan di 2019 tentunya menjadi fundamental bagi kelanjutkan kegiatan usaha Perseroan di 2020. Dengan terus ditingkatkannya portfolio bisnis, manajemen risiko, peningkatan pelayanan klaim, infrastruktur teknologi informasi dan penerapan standard operating procedure yang terus dilakukan secara konsisten, maka Perseroan yakin akan mampu dapat mencatatkan kinerja yang lebih baik di tahun 2020.
Tata Kelola Perusahaan
Direksi senantiasa memastikan penerapan prinsip-prinsip tata kelola yang baik di seluruh jajaran dan unit kerja. Direksi meyakini bahwa implementasi tata kelola yang baik akan mampu membantu manajemen menciptakan proses pengambilan keputusan yang akuntabel, serta menjaga kelangsungan bisnis dan meminimalkan risiko.
Challenges
Throughout 2019, the Company faced challenges and obstacles, especially in the aspect of competition that was getting tougher for insurance products. However, the Company consistently continued to improve the quality of services, especially in claim handling, so customers would get quick service, obtain relevant information easily and their claims were handled professionally.
The Company’s Strategy
The Company consistently increased its business portfolio to get better premium contributions, especially from the non-group segment, this was also supported by cooperation with selected intermediaries suitable to the character of the Company’s products so that it would make room for growth.
As a company engaged in services, the Company is well aware of the importance of understanding work processes that cannot be replaced by machines. With this reasoning, the Company continued to run various training programs to improve the quality of human resources.
In addition, the Company also followed the development of information technology by developing the Vinstech application expected to function as a tools for more efficient business activities in an automated way.
Business prospect
The Company welcomes 2020, where the national growth rate is expected to be above 5%, and is also supported by a more conducive investment climate after the completion of the political year in 2019. The Company’s performance and achievements in 2019 will certainly be fundamental in continuing the Company’s business activities in 2020. With the continued improvement of the business portfolio, risk management, claims service improvement, information technology infrastructure and consistent implementation of standard operating procedures, the Company is confident that it will be able to record better performance in 2020.
Corporate governance
Directors always ensures the application of good governance principles in all levels and work units. Directors believes that the implementation of good governance will be able to help management to create an accountable decision making process, as well as maintaining business continuity and minimizing risk.
Penerapan prinsip-prinsip tata kelola yang baik didasarkan pada 5 pilar utama mencakup aspek transparansi, akuntabilitas, tanggung jawab, independensi, dan kewajaran. Penerapannya juga senantiasa memperhatikan peraturan dari regulator dan berdasarkan peraturan perundangan yang berlaku. Perseroan juga senantiasa membangun komunikasi yang aktif dengan para nasabah dan regulator.
Perubahan Komposisi Direksi
Pada tahun 2019 tidak ada perubahan di dalam komposisi anggota Direksi.
Apresiasi
Direksi berterima kasih kepada para pemegang saham dan seluruh pemangku kepentingan atas dukungan dan kepercayaan yang diberikan. Direksi juga memberikan apresiasi kepada Dewan Komisaris atas masukan yang diberikan kepada Direksi dalam rangka menjalankan kepengurusan Perseroan. Apresiasi juga diberikan kepada seluruh nasabah, pegawai yang telah menunjukkan kerja keras, motivasi dan loyalitas tinggi kepada Perseroan, sehingga Perseroan dapat mampu meningkatkan kinerjanya di tahun 2019.
The implementation of good governance principles is based on 5 main pillars of transparency, accountability, responsibility, independence and fairness. Its implementation is always taking into account the applicable laws and regulations. The Company also continues to build active communication with customers and regulators.
Changes in Directors Composition
In 2019 there were no changes in Directors composition.
Appreciation
Directors would like to thank the shareholders and all stakeholders for their support and trust. Directors also gives appreciation to the Board of Commissioners for their input to Directors in carrying out the management of the Company. Appreciation is also given to all customers, employees who showed hard work, motivation and high loyalty to the Company, so the Company was able to improve its performance in 2019.
18 19PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
Atas Nama DireksiOn Behalf of the Board of Directors
Suwandi SuhartoPresiden Direktur / President Director
PROFILPERUSAHAANCompany Profile
03
20 21PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
IDENTITAS PERUSAHAANCorporate Identity
PT Victoria Insurance, Tbk(Dahulu PT Asuransi Umum Centris)PT Victoria Insurance, Tbk(Previously PT Asuransi Umum Centris)
Graha BIP Lantai 3AJl. Jendral Gatot Subroto Kav. 23Jakarta Selatan
021-5099 2940
021-5099 2941
www.victoriainsurance.co.id
Asuransi UmumGeneral Insurance
11 Mei 1978May 11th, 1978
Surat Keputusan No. Y.A.5/272/20Decision Letter No. Y.A.5/272/20
Rp425.000.000.000,-
Rp145.660.620.100,-
46 orang46 People
PT Victoria Investama : 73,15%Aldo Jusuf Tjahaja : 0,74%Masyarakat : 26,11%
28 September 2015 di Bursa Efek IndonesiaSeptember 28th, 2015, in Indonesia Stock Exchange
VINS
Nama Name
Alamat Address
Telepon Phone
Faksimili Fax
Website
Bidang UsahaLine of Business
Tanggal PendirianDate of Establishment
Dasar Hukum PendirianLegal Basis of Establishment
Modal DasarAuthorized Capital
Modal Ditempatkan dan Disetor PenuhIssued and Fully Paid Capital
Jumlah KaryawanTotal Employees
Kepemilikan SahamShare Ownership
Pencatatan Saham Share Listing
Kode Saham Code of Share
In 2010, the Company was acquired by PT Victoria Securities and changed its name back to PT Victoria Insurance which was listed in Deed No. 93 dated August 19, 2010 by Notary Suwarni Sukiman, SH. The deed was approved by the Ministry of Law and Human Rights based on Decree No. AHU-43243.AH.01.02. dated September 2, 2010.
In accordance with article 3 of the articles of association, the scope of the Company is business activities in the field of loss of profit insurance. The Company obtained a license as a loss of profit insurance company from the Minister of Finance of the Republic of Indonesia with Decree No. Kep-604 / KM.13 / 1991 dated December 4, 1991, Letter of the Director General of Financial Institutions No. S-4256/LK /1993 dated July 24, 1993 and a Decree from the Minister of Finance No. Kep-599 / KM.10 / 2010 dated October 27, 2010 concerning the Granting of Business License in the Field of Loss of Profit Insurance in connection with the change of name to PT Victoria Insurance.
In 2018, the Company implemented an Initial Public Offering on the Indonesia Stock Exchange. The Company’s shares were listed on the Indonesia Stock Exchange on September 28, 2018. The status of the Company changed to open so that the name of the Company became PT Victoria Insurance Tbk. The company is part of the Victoria Group with PT Victoria Investama Tbk as the main parent entity. The Company is located in South Jakarta, 12930.
Pada tahun 2010, Perseroan diakuisisi oleh PT Victoria Sekuritas dan mengganti nama kembali menjadi PT Victoria Insurance yang telah dicatatkan dalam Akta No. 93 tanggal 19 Agustus 2010 oleh Notaris Suwarni Sukiman, SH. Akta tersebut telah disetujui oleh Kementerian Hukum dan Hak Asasi Manusia berdasarkan Surat Keputusan No. AHU-43243.AH.01.02. tanggal 2 September 2010.
Sesuai dengan pasal 3 anggaran dasar, ruang lingkup kegiatan Perseroan adalah menjalankan kegiatan usaha di bidang asuransi kerugian. Perseroan memperoleh izin sebagai Perusahaan asuransi kerugian dari Menteri Keuangan Republik Indonesia dengan Surat Keputusan No. Kep-604/KM.13/1991 tanggal 4 Desember 1991, Surat Direktur Jenderal Lembaga Keuangan No. S-4256/LK/1993 tanggal 24 Juli 1993 dan terakhir dengan Surat Keputusan dari Menteri Keuangan No. Kep-599/KM.10/2010 tanggal 27 Oktober 2010 tentang Pemberian Izin Usaha di Bidang Asuransi Kerugian sehubungan perubahan nama menjadi PT Victoria Insurance.
Tahun 2018, Perseroan melaksanakan Penawaran Umum Perdana di Bursa Efek Indonesia. Saham Perseroan tercatat di Bursa Efek Indonesia pada tanggal 28 September 2018. Status Perseroan pun menjadi terbuka sehingga nama Perseroan menjadi PT Victoria Insurance Tbk. Perseroan tergabung dalam kelompok usaha Victoria Group, dengan entitas induk utama adalah PT Victoria Investama Tbk. Perseroan yang beralamat di Jakarta Selatan 12930.
Sesuai dengan pasal 3 Anggaran Dasar Perseroan, ruang lingkup kegiatan Perseroan adalah menjalankan kegiatan usaha di bidang asuransi kerugian. Dalam menjalankan kegiatan usahanya, Perseroan dapat melaksanakan kegiatan usaha utama sebagai berikut:
1. Menjalankan usaha di bidang asuransi kerugian, termasuk menerbitkan polis-polis;
2. Menerima pembayaran premi-premi dalam hubungannya dengan polis-polis atau kontrak-kontrak asuransi;
3. Menetapkan atau-membayarkan tuntutan-tuntutan atau polis-polis atau-kontrak-kontrak asuransi yang dikeluarkan atau yang diadakan oleh Perseroan;
4. Menjalankan setiap kegiatan dan usaha yang sesuai dengan maksud dan tujuan dan melakukan usaha-usaha dalam pengertian seluas-luasnya dengan cara dan bentuk sebagaimana disyaratkan, dengan tidak mengurangi ketentuan peraturan negara Republik Indonesia.
Perseroan menyediakan jasa asuransi umum (baik program standar maupun khusus) kepada pelanggan di berbagai sektor, yaitu multifinance, perbankan, badan usaha milik negara, swasta dan individu. Jasa asuransi yang disediakan Perseroan meliputi:
1. Asuransi kebakaran; 2. Asuransi kendaraan bermotor; 3. Asuransi angkutan laut; 4. Asuransi engineering; dan 5. Surety bond 6. Kecelakaan diri
Jasa asuransi tersebut dibagi dalam 5 kelompok segmen, yaitu: 1. Segmen asuransi properti; 2. Segmen asuransi pengangkutan; 3. Segmen asuransi kendaraan bermotor; 4. Segmen asuransi kecelakaan dan kesehatan; dan 5. Segmen lain-lain, yang meliputi rangka kapal, liability.
engineering dan aneka
In accordance with article 3 of the Articles of Association, the scope of the Company is business activities in the field of loss of profit insurance. In this regard, the Company can carry out the main business activities as follows:
1. Runs insurance business, including issuing policies;
2. Receives payment of premiums in relation to the policies or contracts of insurance;
3. stablishes or pays claims or policies or insurance contracts issued or held by the Company;
4. Runs any business activity that is consistent with the intent and purpose as mentioned on the above article and make efforts in the most possible sense of manner and form as required by maintain compliance with applicable laws and regulations of the Republic of Indonesia.
The Company provides general insurance services (both standard and special programs) to customers in various sectors, namely finance, banking, state-owned, private and individual enterprises. The insurance services provided by the Company include:
1. Fire insurance; 2. Motor vehicle insurance; 3. Marine transportation insurance; 4. Engineering insurance; and 5. Surety bond. 6. Personal Accident
The insurance services are divided into 5 segment groups, namely:
1. Property insurance segment; 2. Transport insurance segment; 3. Motor vehicle insurance segment; 4. Accident and health insurance segment; and 5. Other segments, which include hull, liability, engineering
and miscellaneous.
RIWAYAT SINGKAT PERUSAHAANCorporate Brief History
PT Victoria Insurance Tbk (yang selanjutnya disebut Perseroan) didirikan pada tanggal 11 Mei 1978 dengan nama PT Asuransi Agung Asia. Pendirian Perseroan telah dicatat dalam Akta No. 58 tanggal 11 Mei 1978 oleh Notaris Haji Bebasa Daeng Lalo, SH. Akta tersebut telah disetujui oleh Kementerian Hukum dan Hak Asasi Manusia berdasarkan Surat Keputusan No. Y.A.5/272/20 tanggal 14 Agustus 1978. Perseroan telah beberapa kali mengganti nama, pada tahun 1989 Perseroan mengganti nama menjadi PT Asuransi SUMMA yang telah dicatatkan dalam Akta No. 79 tanggal 30 November 1989 oleh Notaris Ny. Rukmasanti Hardjasatya SH di Jakarta. Perseroan kemudian mengganti nama kembali menjadi PT Asuransi Umum Centris pada tahun 1993 yang telah dicatatkan dalam Akta No. 78 tanggal 29 April 1993 oleh Notaris Ny. Rukmasanti Hardjasatya SH di Jakarta.
PT Victoria Insurance Tbk (hereinafter referred to as the Company) was established on May 11, 1978 under the name PT Asuransi Agung Asia. The establishmentof the Company has been recorded in Deed No. 58 dated May 11, 1978 by Haji Bebasa Daeng Lalo, SH. The deed was approved by the Ministry of Law and Human Rights based on Decree No. Y.A.5 / 272/20 dated August 14, 1978. The company has changed its name several times; in 1989 the Company changed its name to PT Asuransi SUMMA which was listed in Deed No. 79 dated November 30, 1989 by Notary Ny. Rukmasanti Hardjasatya SH in Jakarta. The company then changed its name back to PT General Insurance Centris in 1993 which was listed in Deed No. 78 dated April 29, 1993 by Notary Ny. Rukmasanti Hardjasatya SH in Jakarta.
22 23PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
KEGIATAN USAHABusiness Activities
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
VISI DAN MISIVision and Mission
VisiVision
Menjadi perusahaan asuransi umum nasional yang sehat, kuat, efisien dan terpercaya.
To be a healthy, strong, efficient and trusted general insurance company in the nation.
MisiVision
1. Menjaga dan memelihara kepentingan nasabah dengan memberikan pelayanan yang cepat dan akurat.
2. Menyediakan produk-produk asuransi yang inovatif, kompetitif dan bermutu.
1. Maintain the interests of customers by providing fast and accurate services.
2. Provide innovative, competitive and quality insurance products.
NILAI-NILAI PERUSAHAANCorporate Values
Fokus Pelanggan Customer Focus
Komitmen kepada tertanggung. Upaya terbaik untuk melindungi risiko tertanggung, memberikan janji dan menepatinya.Commitment to the insured. Striving to mitigate the insured’s risks, to make promises and to deliver them.
MutuQuality
Pengakuan dan penghargaan atas prestasi kerja. Komitmen untuk selalu melakukan yang terbaik.
We recognize and reward excellence in the workplace. Committed to always doing the best.
Mematuhi ketentuan hukum yang berlaku dan kebijakan perusahaan, dalam perkataan dan perbuatan. Kejujuran, karakter dan perilaku etis sebagai pedoman tindakan yang benar.
To comply with applicable laws, regulations and company policies, in our words and in our deeds. Honesty, character, and ethical behavior as guide to do the right thing.
IntegritasIntegrity
Menghargai pegawai, mitra usaha dan komunitas. Komitmen atas perlakuan adil, keberagaman, kepercayaan dan saling menghargai.
We value our employees, partners and communities. We are dedicated to fair treatment, diversity, trust and mutual respect.
PenghargaanAppreciation
24 25PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
Perseroan didirikan dengan nama PT Asuransi Agung Asia.
1978The Company was established as PT
Asuransi Agung Asia.
1993Perseroan mengubah nama menjadi
PT Asuransi Umum Centris.The Company changed its name to PT
Asuransi Umum Centris.
1989Perseroan mengubah nama menjadi
PT Asuransi SUMMA.The Company changed its name to PT
Asuransi SUMMA.
2010Perseroan diambil alih oleh
grup Victoria.The Company was acquired by
Victoria group.
TONGGAK SEJARAHCorporate Milestone
2013Perseroan memindahkan operasional kantor
pusat pindah ke gedung The Victoria.The Company relocated its headquarters
to The Victoria building.
2016Perseroan membuka kantor pemasaran di
kota Surabaya, Jawa Timur.The Company opened a marketing office
in Surabaya, East Java
2015Perseroan melaksanakan penawaran umum
perdana di Bursa Efek Indonesia.The Company conducted initial public offering
on the Indonesia Stock Exchange.
2017Perseroan membuka kantor pemasaran di
kota Semarang, Jawa Tengah.The Company opened a marketing office
in Semarang, Central Java.
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
26 27PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
STRUKTUR ORGANISASIOrganizational Structure
Sulistijowati
Vivekanand Atmaram Tolani @Vikas
Jimmy P. Watulingas
Komisaris Utama President CommissionerKomisaris Independen President CommissionerKomisaris IndependenPresident Commissioner
Dewan KomisarisBoard of Commissioners
Suwandi Suharto
Direktur UtamaPresident Director
Martinus Hennu Nugroho
Pengembangan ProdukProduct Development
Vacant
Direktur KepatuhanCompliance Director
Euodia.
AktuarisActuary
Banar Royani
KeuanganFinance
Pudjiati
AkuntingAccounting
Stephanus D.L.
Divisi GrupGroup Div.
Ir. Sesulih
Surabaya
Antonius
Semarang
Irfan
Divisi KorporasiCoorporate Div.
Saripudin & Made
PenjaminanUnderwriting
Willi S.
IT
Fachurhuda
Direktur TeknisTechnical Director
Caesario
KlaimClaim
Darmayani
Supervisor Klaim dan KendaliReins & Claim Spv
Rosalina G.
GM Fin & Acct & HRD
Suryadi
Direktur Keuangan dan HRDFinance & HR Director
Miki Setio
Divisi Retail & Kantor Koordinator MarketingRetail Div & Mark. Office Coord.
Dicky Muliady
Sekretaris PerusahaanCorporate Secretary
Thomas S.
KepatuhanCompliance
Vacant
Audit InternalInternal Audit
Vivekanand Atmaram Tolani @Vikas
Komite AuditAudit Committee Komite Pemantau Risiko
Risk Monitoring Committee
Jimmy P. Watulingas
Vivekanand Atmaram Tolani @Vikas
Komite Nominasi & RemunerasiNomination & Remuneration
Committee
Profil Dewan
Board of Commissioners’ Profile
Komisaris
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
Komisaris UtamaPresident Commissioner
Sulistijowati
Beliau merupakan Warga Negara Indonesia, berusia 60 tahun dan berdomisili di Jakarta. Beliau yang berlatar belakang pendidikan ekonomi meraih gelar S1 Ekonomi dari Universitas Indonesia pada tahun 1982. Saat ini menjabat sebagai Komisaris Utama Perseroan sejak tahun 2012 berdasarkan Keputusan Ketua Badan Pengawasan Pasar Modal dan Lembaga Keuangan No. KEP-596/BL/2012 tanggal 31 Oktober 2012. Beliau cukup memiliki pengalaman di top level managerial antara lain Komisaris di PT Bank Victoria International Tbk periode tahun 2000-2002, Asisten Direktur Pelaksana di Pegasus perioder tahun 1998-2000, Direktur Utama di PT Duta Kirana Finance periode tahun 1996-1998, Vice President Project Finance di Chase Manhattan Bank, NA periode tahun 1993-1996, dan Vice President – Team Leader of Corporate Finance di Citibank, NA periode tahun 1984-1992. Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris lainnya, anggota Direksi, serta Pemegang Saham Utama dan Pengendali.
She is a 60-year-old Indonesian citizen domiciled in Jakarta. She has an economic education background. She earned her Bachelor of Economics degree from the University of Indonesia in 1982. She has served as the Company’s President Commissioner since 2012 based on the Decree of the Chairman of the Capital Market and Financial Institutions Supervisory Agency No. KEP-596 / BL / 2012 dated October 31, 2012. She has sufficient experience in top managerial levels, including Commissioners at PT Bank Victoria International Tbk for the period of 2000-2002, Assistant Managing Director at Pegasus for the period of 1998-2000, President Director at PT Duta Kirana Finance for the period of 1996-1998, Vice President Project Finance at Chase Manhattan Bank, NA for the period of 1993-1996, and Vice President - Team Leader of Corporate Finance at Citibank, NA for the period of 1984-1992. She has no affiliation with other members of the Board of Commissioners, members of the Board of Directors, Major Shareholders, and Controllers.
28 29PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
Komisaris IndependenIndependent Commissioner
Vivekanand Atmaram
Beliau merupakan Warga Negara Indonesia, berusia 36 tahun dan berdomisili di Jakarta. Beliau meraih gelar MSc – Insurance & Risk Management dan MBA – Financial Management dari Trinity College & University, di Delaware, USA pada tahun 2004 dan 2005. Saat ini beliau menjabat sebagai Komisaris Independen Perseroan sejak tahun 2012 berdasarkan Keputusan Ketua Badan Pengawasan Pasar Modal dan Lembaga Keuangan No. KEP-594/BL/2012 tanggal 31 Oktober 2012. Selain itu, beliau juga menjabat sebagai Direktur Utama di PT Munich Lloyd International Brokers sejak tahun 2007. Dalam meniti karirnya, Beliau pernah menjabat sebagai Producer di PT Asuransi QBE Pool Indonesia periode tahun 2001–2007. Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris lainnya, Anggota Direksi, serta Pemegang Saham Utama dan Pengendali.
He is a 36-year-old Indonesian citizen domiciled in Jakarta. He holds an MSc - Insurance & Risk Management and MBA - Financial Management from Trinity College & University, in Delaware, USA in 2004 and 2005. He has served as the Company’s Independent Commissioner since 2012 based on the Decree of the Chairman of the Capital Market and Financial Institution Supervisory Agency No. KEP-594 / BL / 2012 dated October 31, 2012. In addition, he also served as Managing Director at PT Munich Lloyd International Brokers since 2007. He was a Producer at PT Asuransi QBE Pool Indonesia for the period of 2001 – 2007. He has no affiliation with other members of the Board of Commissioners, members of the Board of Directors, Major Shareholders, and Controllers.
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
Beliau merupakan Warga Negara Indonesia, berusia 54 tahun dan berdomisili di Jakarta. Beliau meraih gelar Sarjana Informatika Komputer dari Universitas Pembangunan Nasional “Veteran” pada tahun 1988. Saat ini Beliau menjabat sebagai Komisaris Independen Perseroan sejak tahun 2015 berdasarkan Keputusan Dewan Komisioner Otoritas Jasa Keuangan No. KEP-560/NB.11/2015 tanggal 10 September 2015. Dalam meniti karirnya, Beliau pernah menduduki beberapa jabatan baik di level middle managerial maupun Top Managerial. Pengalaman Beliau antara lain Direktur di PT KENT Mandiri Indonesia pada tahun 2015, Kepala Divisi Bisnis dan teknologi di PT Asuransi Jiwa Adisarana Wanaartha periode tahun 2009-2014, Pengembangan Bisnis, Manajer Proyek Jamsostek dan Kepala Operasi Outsourcing di PT Astra Graphia Information Technology periode tahun 2007-2009, Kepala Divisi Teknologi Informasi di PT Asuransi Umum Bintang Tbk periode tahun 2006-2007, Asisten Wakil Presiden, Manajer Teknologi Informasi di Sekolah Internasional Mountain View periode tahun 2002-2005, Kepala Divisi Teknologi Informasi dan Proyek Khusus di PT Asuransi Jiwa Prudential periode tahun 1999-2001, Manajer Pusat Pengolahan Data di PT Bank Bumiputera periode tahun 1990-1996, Assistant Manager di Citibank periode tahun 1989-1990, dan Penyelia Pengolahan Data Elektronik di PT Rajawali Citra Televisi Indonesia periode tahun 19881989.
Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris lainnya, anggota Direksi, serta Pemegang Saham Utama dan Pengendali.
He is a 54-year-old Indonesian citizen domiciled in Jakarta. He earned a Bachelor of Computer Informatics from the University of National Development “Veteran” in 1988. He has served as an Independent Commissioner of the Company since 2015 based on the Decision of the Board of Commissioners of the Financial Services Authority No. KEP-560 / NB.11 / 2015 dated September 10, 2015. Throughout his career, he has held several positions at both middle managerial and top managerial levels, including Director at PT KENT Mandiri Indonesia in 2015, Head of Business and Technology Division at PT Asuransi Jiwa Adisarana Wanaartha for the period of 2009-2014, Business Development, Social Security Project Manager and Head of Outsourcing Operations at PT Astra Graphia Information Technology for the period of 2007-2009, Head of Information Technology Division at PT Asuransi Umum Bintang Tbk for the period of 2006 -2007, Assistant Deputy President and Information Technology Manager at the Mountain View International School for the period of 2002-2005, Head of Information Technology and Special Project Division at PT Life Insurance Prudential for the period of 1999-2001, Manager of Data Processing Center at PT Bank Bumiputera for the period of 1990-1996, Assistant Manager at Citibank for the period of 19891990, and Supervisor of Electronic Data Processing at PT Rajawali Citra Televisi Indonesia for the period of 19881989.
He has no affiliation with other members of the Board of Commissioners, members of the Board of Directors, Major Shareholders, and Controllers.
Komisaris IndependenIndependent Commissioner
Jimmy Paulus Watulingas
30 31PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
Profil
Board of Directors’ Profile
Direksi
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
Direktur UtamaPresident Director
Suwandi Suharto
Beliau merupakan warga negara Indonesia berusia 57 tahun dan berpengalaman lebih dari 35 tahun di bidang asuransi umum.
Beliau mendapatkan Ijazah Profesional Asuransi dari Australian and New Zeland Institute of Insurance and Finance, Australia pada tahun 2006 sebagai Senior Associate. Selain itu, Beliau juga mendapatkan Sertifikasi sebagai Professional Asuransi dari Institute yang sama pada tahun 2007. Sedangkan pendidikan non formil, antara lain mengikuti pelatihan dari The Insurance School (non life) of Japan di Jepang pada tahun 1997 dan tahun 2008 serta pelatihan dan seminar lainnya baik di luar dan di dalam negeri.
He is a 57-years-old Indonesian citizen with more than 35 years of experience in the field of general insurance.
He obtained the Professional Insurance Diploma from the Australian and New Zeland Institute of Insurance and Finance, Australia in 2006 as Senior Associate. In addition, he also received Certification as a Professional Insurance from the same institution in 2007. For non-formal education, he attended training from The Insurance School (non life) of Japan in Japan in 1997 and 2008 as well as other training and seminars both international and domestic.
32 33PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
DirekturDirector
Suryadi
Beliau merupakan Warga Negara Indonesia, berusia 43 tahun dan berdomisili di Jakarta. Beliau meraih gelar Sarjana Akuntansi dari Universitas Tarumanegara pada tahun 2000 dan Master in Finance dari Universitas Tarumanegara pada tahun 2007. Saat ini Beliau menjabat sebagai Direktur Perseroan sejak tahun 2013 berdasarkan Keputusan Dewan Komisioner Otoritas Jasa Keuangan No. KEP-679/NB.1/2013 tanggal 10 Desember 2013. Sebelumnya, Beliau sempat menduduki beberapa jabatan penting diantaranya Vice President Finance & Accounting di PT Skybee Tbk periode tahun 2011-2013, Finance General Manager di PT Menamas Mitra Energi periode tahun 2008-2011, Finance Controller di PT Garuda food Putra Putri Jaya periode tahun 2006-2008, Finance and Accounting Manager di PT Unitama Sari Mas periode tahun 2005-2006, and Group Head di Kantor Akuntan Publik Johan Malonda Astika & Rekan periode tahun 2000-2005.
Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, anggota Direksi lainnya, serta Pemegang Saham Utama dan Pengendali.
He is a 43-year-old Indonesian citizen domiciled in Jakarta. He earned a Bachelor of Accounting from Tarumanegara University in 2000 and a Master in Finance from Tarumanegara University in 2007. He has served as the Company’s Director since 2013 based on the Decision of the Board of Commissioners of the Financial Services Authority No. KEP-679 / NB.1 / 2013 dated December 10, 2013. Previously, he had held several important positions including Vice President Finance & Accounting at PT Skybee Tbk for the period of 2011-2013, Finance General Manager at PT Menamas Mitra Energi for the period of 2008- 2011, Finance Controller at PT Garuda Food Putra Putri Jaya for the period of 2006-2008, Finance and Accounting Manager at PT Unitama Sari Mas for the period of 2005-2006, and Group Head at the Public Accounting Office Johan Malonda Astika & Co. for the period of 20002005.
He has no affiliation with other members of the Board of Commissioners, members of the Board of Directors, Major Shareholders, and Controllers.
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
Beliau merupakan Warga Negara Indonesia, berusia 53 tahun dan berdomisili di Jakarta. Beliau meraih gelar Sarjana Ilmu Administrasi Negara dari Universitas Brawijaya, Malang pada tahun 1990. Beliau mendapatkan sertifikasi Ajun Ahli Asuransi Indonesia Kerugian (AAAIK) dari AAMAI pada tahun 2005, Sertifikasi Ahli Asuransi Indonesia Kerugian (AAIK) dari AAMAI, pada tahun 2007; dan Indonesian Certified Property Underwriter (ICPU) dari AAMAI pada tahun 2010. Saat ini Beliau menjabat sebagai Direktur Independen Perseroan sejak tahun 2015 berdasarkan Keputusan Dewan Komisioner Otoritas Jasa Keuangan No. KEP-4/NB.11/2015 tanggal 10 Maret 2015. Beliau juga pernah menduduki jabatan penting diantaranya Internal Auditor dan General Manager Teknik serta Tenaga Ahli Perusahaan di PT Asuransi Umum Videi periode tahun 2010-2014, Kepala Divisi Tehnik dan Tenaga Ahli Perusahaan di PT Asuransi Karyamas Sentralindo periode tahun 2008-2010. Beliau juga pernah menduduki beberapa jabatan di PT Asuransi Multi Artha Aliasindo diantaranya Unit Head Underwriting Department periode tahun 2007- 2008, Manajer IT periode tahun 2001-2007 dan Pro-Manager MIS periode tahun 1994-2001. Pengalaman lainnya pada level staf, beliau pernah bekerja di Starsurya Perkasa Jakarta dengan jabatan Staf IT periode tahun 1993-1994, dan Staf MIS di PT Asuransi Bina Dharma Artha Jakarta periode tahun 1991-1993.
Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris, anggota Direksi lainnya, serta Pemegang Saham Utama dan Pengendali.
He is a 53-year-old Indonesian citizen domiciled in Jakarta. He earned a Bachelor of State Administration from Brawijaya University, Malang in 1990. He received the Adjunct Indonesian Insurance Expert Loss (AAAIK) from AAMAI in 2005, Certification of Indonesian Insurance Experts (AAIK) from AAMAI in 2007, and Indonesian Certified Property Underwriter (ICPU) from AAMAI in 2010. He has served as the Company’s Independent Director since 2015 based on the Decision of the Board of Commissioners of the Financial Services Authority No. KEP-4 / NB.11 / 2015 dated March 10, 2015. He has held important positions including the Internal Auditor and General Manager of Engineering and Company Experts at Videi General Insurance for the period of 2010-2014, and Head of the Technical Division and Company Experts at PT Asuransi Karyamas Sentralindo for the period of 2008-2010. He also held several positions at PT Asuransi Multi Artha Aliasindo including Unit Head Underwriting Department for the period of 2007-2008, IT Manager for the period of 2001-2007 and MIS Pro-Manager for the period of 1994-2001. He has other staff level experiences including IT Staff position at Starsurya Perkasa Jakarta for the period of 1993-1994, and MIS Staff at PT Asuransi Bina Dharma Artha Jakarta for the period of 1991-1993. He has no affiliation with other members of the Board of Commissioners, members of the Board of Directors, Major Shareholders, and Controllers.
He has no affiliation with other members of the Board of Commissioners, members of the Board of Directors, Major Shareholders, and Controllers.
Direktur IndependenIndependent Director
Drs. Fatchurhuda
34 35PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
SUMBER DAYA MANUSIAHuman Resources
25
21
Jumlah Total 46
24
17
Jumlah Total 41
2019
54.35%
45.65%
201841,46%
58.53%
Komposisi Karyawan Berdasarkan Jenis Kelamin Employee Composition based on Gender
Komposisi Karyawan Berdasarkan PendidikanEmployee Composition based on Education Level
Jumlah Total
31
5
10
46 Jumlah Total
2019
21.74%
10.87%
67.39%
2018
21.95%
12.20%65.85%
Komposisi Karyawan Berdasarkan Usia Employee Composition based on Age Group
10
18
13
5
11
14
12
4
Jumlah Total 46 Jumlah Total 41
2019
28.26%
21.74%
39.13%
201829.26%
26.82%
34.14%
9.75%
Komposisi Karyawan Berdasarkan Level Jabatan Employee Composition based on Level of Position
Sarjana & Pasca Sarjana Bachelor & Postgraduate
Diploma
SMASenior High School
ManajerManager
PelaksanaStaff
Sarjana & Pasca Sarjana Bachelor & Postgraduate
Diploma
SMASenior High School
ManajerManager
PelaksanaStaff
Jumlah Total
10
36
46 Jumlah Total
27
5
9
41
7
34
41
201921.74%
78.26%
201882.92% 17.07%
Komposisi Karyawan Berdasarkan Status Kepegawaian Employee Composition based on Employment Status
Laki-laki Male
Perempuan Female
18 – 30
31 – 40
41 – 50
50>
TetapPermanent
KontrakContract
Laki-laki Male
Perempuan Female
18 – 30
31 – 40
41 – 50
50>
TetapPermanent
KontrakContract
40
6
35
6
Jumlah Total 46 Jumlah Total 41
2019
86.79%
13.04%
201814.63%
85.36%
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
KEPEMILIKAN SAHAM DEWAN KOMISARIS DAN DIREKSIShare Ownership of The Board of Commissioners and The Board of Directors
JabatanPosition
Lembar Saham Shares
PersentasePercentage
Lembar Saham Shares
PersentasePercentage
Kepemilikan Saham Pribadi PadaVictoria Insurance
Victoria Insurance Private Ownershipat Vicotria Insurance
Kepemilikan Saham Pribadi PadaVictoria Insurance
Victoria Insurance Private Ownershipat Vicotria Insurance
NamaName
Dewan Komisaris The Board of Commissioners
Sulistijowati
Vivekanand Atmaram Tolani@Vikas
Jimmy Paulus Watulingas
Komisaris UtamaPresident Commissioner
Komisaris IndependenIndependent Commissioner
Komisaris IndependenIndependent Commissioner
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Direktur UtamaPresident Director
DirekturDirector
Direktur IndependenIndependent Director
Suwandi Suharto
Suryadi
Drs. Fatchurhuda
Direksi The Board of Directors
36 37PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
10.87%
DAFTAR PEMEGANG SAHAM BERDASARKAN KLASIFIKASIClassified Shareholders List
Keterangan Pemegang SahamShareholders Description
Institusi LokalLocal Institution
Institusi AsingForeign Institution
Individu LokalLocal Individual
Individu AsingForeign Individual
Total
Jumlah Pemegang Saham Number of Sharesholders
16
2
664
1
683
Jumlah Saham Number of Shares
1.369.105.295
70.082.500
17.417.906
500
1.456.606.201
Persentase Percentage
93,99
4,81
1,20
0,00
100,00
KOMPOSISI PEMEGANG SAHAMComposition of Shareholders
Pemegang SahamShareholders
PT Victoria Investama Tbk
Aldo Jusuf Tjahaja
Masyarakat (masing-masing <5%) Public (each <5%)
Total
Persentase Kepemilikan Percentage of Ownership
73,15%
0,74%
26,11%
100%
Jumlah Saham Number of Shares
1.065.546.895
10.744.905
380.314.401
1.456.606.201
KRONOLOGI PENCATATAN SAHAMShare Listing Chronology
TanggalDate
PeristiwaEvent
Jumlah Saham yangDitransaksikan
Amount of Shares Trading
Jumlah Saham yangDitempatkan dan
DisetorAmount of Issued and Fully Paid up
Capital
Harga Nominal(Rp)
Par Value(Rp)
Harga Penawaran(Rp)
Offering Price(Rp)
25-Sep-19
13-Nov-19
14-Nov-19
15-Nov-19
18-Nov-19
18-Nov-19
20-Nov-19
21-Nov-19
22-Nov-19
22-Nov-19
22-Nov-19
22-Nov-19
22-Nov-19
22-Nov-19
27-Nov-19
27-Nov-19
4-Dec-19
4-Dec-19
4-Dec-19
4-Dec-19
4-Dec-19
6-Dec-19
6-Dec-19
10-Dec-19
10-Dec-19
372.707.800
99
1
297.600
200
6.000
200.000
4.000
30.000
5.000
407.600
30.000
1.000
1.000
5.000
1.000
1.000
20.000
800
30
100
60.000
1.000
20.000
25.000
1.453.382.700
1.453.382.601
1.453.382.600
1.453.085.000
1.453.084.800
1.453.078.800
1.452.878.800
1.452.874.800
1.452.844.800
1.452.839.800
1.452.432.200
1.452.402.200
1.452.401.200
1.452.400.200
1.452.395.200
1.452.394.200
1.452.393.200
1.452.373.200
1.452.372.400
1.452.372.370
1.452.372.270
1.452.312.270
1.452.311.270
1.452.291.270
1.452.266.270
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
Penawaran Saham PerdanaInitial Public Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
10-Dec-19
10-Dec-19
10-Dec-19
10-Dec-19
10-Dec-19
11-Dec-19
11-Dec-19
11-Dec-19
11-Dec-19
11-Dec-19
12-Dec-19
12-Dec-19
12-Dec-19
12-Dec-19
12-Dec-19
13-Dec-19
16-Dec-19
16-Dec-19
16-Dec-19
16-Dec-19
16-Dec-19
16-Dec-19
17-Dec-19
18-Dec-19
18-Dec-19
2.600
5.000
5.000
100
100
5.000
5.000
1
3.500
1.100
500.000
400
100
1.500
1.300
25.000
85.000
1.000
10.000
2.000
3.500
10.000
25.000
100.000
10.000
1.452.263.670
1.452.258.670
1.452.253.670
1.452.253.570
1.452.253.470
1.452.248.470
1.452.243.470
1.452.243.469
1.452.239.969
1.452.238.869
1.451.738.869
1.451.738.469
1.451.738.369
1.451.736.869
1.451.735.569
1.451.710.569
1.451.625.569
1.451.624.569
1.451.614.569
1.451.612.569
1.451.609.069
1.451.599.069
1.451.574.069
1.451.474.069
1.451.464.069
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
TanggalDate
PeristiwaEvent
Jumlah Saham yangDitransaksikan
Amount of Shares Trading
Jumlah Saham yangDitempatkan dan
DisetorAmount of Issued and Fully Paid up
Capital
Harga Nominal(Rp)
Par Value(Rp)
Harga Penawaran(Rp)
Offering Price(Rp)
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
38 39PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
40 41PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
TanggalDate
PeristiwaEvent
Jumlah Saham yangDitransaksikan
Amount of Shares Trading
Jumlah Saham yangDitempatkan dan
DisetorAmount of Issued and Fully Paid up
Capital
Harga Nominal(Rp)
Par Value(Rp)
Harga Penawaran(Rp)
Offering Price(Rp)
18-Dec-19
18-Dec-19
18-Dec-19
18-Dec-19
18-Dec-19
18-Dec-19
18-Dec-19
18-Dec-19
19-Dec-19
20-Dec-19
20-Dec-19
20-Dec-19
20-Dec-19
27-Dec-19
27-Dec-19
27-Dec-19
27-Dec-19
30-Dec-19
30-Dec-19
30-Dec-19
30-Dec-19
20.000
4.800
8.000
8.000
8.000
8.000
2.500
30.000
10.000
10.000
2.500
10.000
630.000
15.000
80.000
2.500
10.000
170
5.400
10.000
30.000
1.451.444.069
1.451.439.269
1.451.431.269
1.451.423.269
1.451.415.269
1.451.407.269
1.451.404.769
1.451.374.769
1.451.364.769
1.451.354.769
1.451.352.269
1.451.342.269
1.450.712.269
1.450.697.269
1.450.617.269
1.450.614.769
1.450.604.769
1.450.604.599
1.450.599.199
1.450.589.199
1.450.559.199
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
100
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
105
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
Pelaksanaan WaranWarrant Offering
21,77%
Suzanna Tanojo
STRUKTUR KEPEMILIKAN SAHAMShareholding Structure
PT Victoria Insurance Tbk
0,74%
Aldo Jusuf Tjahaja
73,15%
PT Victoria Investama Tbk
26,11%
Masyarakat (masing-masing <5%)Public (each <5%)
10,07%
Masyarakat (masing-masing <5%)Public (<5% each)
68,16%
PT Gratamulia Pratama
As of the end of 2019, the Company do not have any Subsidiaries or associated entities.
Sampai dengan akhir tahun 2019, Perseroan tidak memiliki Entitas Anak ataupun entitas asosiasi.
ENTITAS ANAK DAN/ATAU ENTITAS ASOSIASISubsidiaries and/or Associated Entitie
UraianDescription
PendirianPerusahaanCompanyEstablishment
Penawaran UmumPerdanaInitial PublicOffering
11 Mei 1978May 11st, 1978
28 September 2015September 28 th, 2015
-
376.000.000
-
100
-
105
1.074.490.500
1.450.490.500
Tanggal PencatatanListing Date
Jumlah Saham yangDitransaksikan
(Lembar Saham)Number of Shares
Offered(Share)
Nilai Nominal(Rp)
Bid Price(Rp)
Harga Penawaran(Rp)
Nominal Price(Rp)
Jumlah Saham Beredar (Lembar
Saham)Number of shares
outstanding(Share)
KRONOLOGI PENCATATAN EFEK LAINNYAOthers Securities Listing Chronology
Profesi Profession
Akuntan Publik Public Accountant
Notaris Notary
Biro Administrasi Efek Shares Registration Bureau
AktuarisActuary
Kantor Akuntan Publik Mirawati Sensi Idris dan Akuntan Publik
Santo
Rahayu Ningsih, SH
PT Adimitra Jasa Korpora
Kantor Konsultan Aktuaria Arya Bagiastra
2019
2019
2019
2019
Akuntan PublikPublic Accountant
Biro Administrasi EfekSecurities Administration Bureau
NotarisNotary
AktuarisActuary
Intiland Tower, Jl. Jend Sudirman No. 32, RT. 3/RW. 2, Jakarta, 1022
Graha Irama Lt. 6C Jl. HR Rasuna Said Kav. 1-2 Blok X-1 Kuningan Timur, Setia Budi Jakarta, 12950
Rukan Kirana Boutiqe OfficeJl. Kirana Avenue III Blok F3 No. 5 Kelapa Gading,Jakarta Utara, 14250
Cervino Village, Ground Floor Unit DJl. K.H Abdullah Syafi’e Kav. 27, Tebet Barat, Jakarta Selatan
Nama Perusahaan Company Name
Jasa Yang DiberikanService Provided
PeriodePeriod
AlamatAddress
PROFESI PENUNJANG PASAR MODAL Capital Market Supporting Proffesion
Kantor Pusat Graha BIP Lantai 3AJl. Jend. Gatot Subroto Kav. 22-23Jakarta Selatan 12930, IndonesiaT : (62-21) 5099 2940 F : (62-21) 5099 2941E : [email protected] W : www.victoriainsurance.co.id
Head Office Graha BIP Lantai 3AJl. Jend. Gatot Subroto Kav. 22-23Jakarta Selatan 12930, IndonesiaT : (62-21) 5099 2940 F : (62-21) 5099 2941E : [email protected] W : www.victoriainsurance.co.id
Kantor Pemasaran JakartaThe Victoria Building Lt. 3BJl. Tomang Raya Kav. 33-37Jakarta Barat. Indonesia T : (62-21) 5663 788F : (62-21) 5663 789
Marketing Office JakartaThe Victoria Building Lt. 3BJl. Tomang Raya Kav. 33-37Jakarta Barat. Indonesia T : (62-21) 5663 788F : (62-21) 5663 789
Surabaya Gedung Bank Victoria Lt. 3Jl. Raya Darmo No. 173 SurabayaKota Surabaya, Jawa Timur T : (62-31) 5678 023 / 5678 040 F : (62-31) 5678 156
Surabaya Gedung Bank Victoria Lt. 3Jl. Raya Darmo No. 173 SurabayaKota Surabaya, Jawa Timur T : (62-31) 5678 023 / 5678 040 F : (62-31) 5678 156
Semarang Jl. MT. Haryono No. 864 - 866Komp. Bangkong Plaza B7 SemarangT : (62-24) 7642 3847 F : (62-24) 7642 3794
Semarang Jl. MT. Haryono No. 864 - 866Komp. Bangkong Plaza B7 SemarangT : (62-24) 7642 3847 F : (62-24) 7642 3794
JARINGAN KANTOROffice Network
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
42 43PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
PENGHARGAANAwards
Perseroan tidak menerima penghargaan apapun pada tahun 2019.
The Company did not receive any awards in the year of 2019.
ANALISIS & PEMBAHASAN MANAJEMENManagement Discussion Analysis
04
44 45PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
TINJAUAN EKONOMI DAN INDUSTRI Economic and Industrial Review
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
46 47PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
KOMPILASI PREMI DAN KLAIM ASURANSI UMUM TAHUN 2018-2019Compilation of Premiums and General Insurance Claims for 2018-2019
2019 2019
Pendapatan PremiPremium Income
KlaimClaim
dalam Milliar Rupiah / in Billion Rupiah dalam Milliar Rupiah / in Billion Rupiah
2018 2018Pertumbuhan (%)Growth (%)
Lini UsahaBusiness Line
Pertumbuhan (%)Growth (%)
Harta BendaProperties
Kendaraan BermotorMotor Vehicle
PengangkutanMarine Cargo
RekayasaEngineering
Kecelakaan dan KesehatanAccident and General
AnekaSurety Bonds
Total
31.466
(459)
2.246
251
16.023
1.146
50.674
15.102
2.508
702
784
9.187
0
28.282
44,89%
913,00%
-0,13%
100,81%
0,60%
-20,85%
36,35%
27,41%
-42,94%
-31,41%
-47,49%
0,64%
1527507,12%
9,00%
45.592
3.729
2.243
505
16.120
907
69.095
19.242
1.431
481
411
9.246
15
30.827
Kondisi perekonomian di Indonesia memiliki pengaruh terhadap premi Industri Asuransi Umum. Pada triwulan IV tahun 2019 realisasi pertumbuhan ekonomi Indonesia tercatat 4,97% dan dalam tren menurun jika dibandingkan dengan triwulan IV 2018. Asosiasi Asuransi Umum Indonesia (AAUI) yang telah melakukan kompilasi data (un-audited) dari 76 Perusahaan Asuransi Umum dan 6 Perusahaan Reasuransi di Indonesia merilis hasil pengolahan datanya:
• Premi Bruto Asuransi Umum pada triwulan IV tahun 2019 mengalami pertumbuhan positif sebesar 14,1%. Hampir seluruh lini bisnis mencatatkan pertumbuhan positif pada tahun 2019 kecuali Asuransi Pengangkutan, Energy Off Shore, Tanggung Gugat, serta Asuransi Kecelakaan dan Kesehatan yang mencatatkan pertumbuhan negatif di periode ini dibandingkan periode yang sama tahun sebelumnya.
• Di tahun 2019 pertumbuhan Premi Bruto yang terbesar terjadi pada lini usaha asuransi Kredit, dilihat dari sisi nominal.
• Pertumbuhan Premi Asuransi Kendaraan Bermotor menggambarkan masih cukup tingginya kebutuhan pembelian kendaraan baru dan proteksi asuransi untuk kendaraan pasca pembiayaan.
• Pangsa pasar premi asuransi umum masih didominasi oleh 2 lini usaha terbesar yaitu asuransi Harta Benda dan Asuransi Kendaraan Bermotor dengan total kontribusi 50%, diikuti dengan pangsa pasar Asuransi Kredit sebesar 18,4%.
• Klaim Bruto (Klaim dibayar) Asuransi Umum tahun 2019 ini mencatatkan peningkatan sebesar 82,8% dibandingkan dengan tahun sebelumnya.
• Rasio Klaim dibayar terhadap premi tahun 2019 tercatat 46%, naik 17,3% dibandingkan tahun sebelumnya.
• Perusahaan Reasuransi mengalami pertumbuhan sebesar 20,2% di tahun 2019 untuk lini jenis reasuransi umum. Sementara Klaim Reasuransi pada tahun 2019 mengalami kenaikan sebesar 29,3%.
Berdasarkan rilis data OJK dapat dilihat adanya peningkatan hasil underwriting perusahaan asuransi. Meskipun demikian peningkatan tersebut juga diiringi dengan meningkatnya biaya usaha. Secara keseluruhan laba/rugi usaha asuransi mengalami peningkatan positif sebesar 21,3%.
Indonesia’s economic conditions have an influence on the general insurance industry premiums. In the fourth quarter of 2019, Indonesia’s economic growth was recorded at 4.97%, a downward trend when compared with the fourth quarter of 2018. The Indonesian General Insurance Association (AAUI) compiled data (un-audited) from 76 General Insurance Companies and 6 Reinsurance Companies in Indonesia and released the results of its data processing:
• General Insurance’s Gross Premium in the fourth quarter of 2019 experienced a positive growth of 14.1%. Almost all business lines recorded positive growth in 2019 except Transportation Insurance, Energy Off Shore, Liability, and Accident and Health Insurance which recorded negative growth in that period compared with the same period of the previous year.
• In 2019, the highest growth in Gross Premium occured in the Credit insurance business line, in terms of nominal terms.
• Growth in Motor Vehicle Insurance Premiums shows the high demand for new vehicle purchases and insurance protection for post-financing vehicles.
• The market share of general insurance premiums is still dominated by two largest business lines, Property and Motor Vehicle insurance with a total contribution of 50%, followed by Credit Insurance with market share of 18.4%.
• Gross claims (paid claims) of General Insurance in 2019 recorded an increase of 82.8% compared with the previous year.
• The ratio of paid claims to premiums in 2019 was recorded at 46%, an increase of 17.3% compared with the previous year.
• Reinsurance companies grew by 20.2% in 2019 for the general reinsurance line, while Reinsurance Claims in 2019 increased by 29.3%.
Based on OJK data release, we can see an increase in the underwriting results of insurance companies. Nevertheless, the increase was also accompanied by increased business costs. Overall, the profit/loss of the insurance business experienced a positive increase of 21.3%.
65.98%
5.40%
23.33%
1.31%
0.73%
3.25%
Rekayasa
Harta Benda
Kendaraan Bermotor
Kecelakaan Diridan Kesehatan
Aneka
Pengangkutan
TINJAUAN OPERASIONALOperational Overview
Perseroan menyediakan jasa asuransi umum yang meliputi kebakaran, kendaraan bermotor, angkutan laut, engineering, dan surety bond kepada pelanggan antara lain meliputi pelanggan di bidang multifinance, perbankan, badan usaha milik negara, swasta dan individu. Perseroan membagi 6 jenis pertanggungan asuransi yaitu asuransi properti, asuransi kendaraan bermotor, asuransi kecelakaan diri, asuransi pengangkutan, asuransi rekayasa, dan asuransi lain-lain
The Company provides general insurance services including insurances which cover fire, motor vehicles, sea transportation, engineering, and surety bonds to customers, including customers in the fields of finance, banking, state-owned enterprises, the private sector and individuals. The Company divides 6 types of insurance coverage namely property insurance, motor vehicle insurance, personal accident insurance, transportation insurance, engineering insurance, and other insurances.
48 49PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
SEGMEN OPERASIOperating Segment
2019 2018 Rp %KeteranganDescription
Harta BendaProperties
Kendaraan Bermotor Motor Vehicle
Pengangkutan Marine Cargo
Rekayasa Engineering
Kecelakaan Diri dan KesehatanPersonal Accident and Health
AnekaMiscellaneous
Jumlah Total
31.466
(459)
2.246
251
16.023
1.146
50.674
14.126
4.188
(3)
254
97
(239)
18.421
44,89%
912,42%
-0,13%
101,19%
0,60%
-20,85%
36,35%
45.592
3.729
2.243
505
16.120
907
69.095
Pertumbuhan / GrowthPremi Asuransi Bruto / Gross Premium Income
2019 2018 Rp %KeteranganDescription
Harta BendaProperties
Kendaraan Bermotor Motor Vehicle
Pengangkutan Marine Cargo
Rekayasa Engineering
Kecelakaan Diri Personal Accident
AnekaMiscellaneous
Jumlah Total
5.868
4.206
588
(82)
15.773
85
26.439
2.358
(1.731)
94
(263)
(947)
167
(322)
40,15%
(41,15%)
15,99%
321,32%
(6%)
196,90%
(1,22%)
8.226
2.476
681
(344)
14.826
252
26.117
Pertumbuhan / GrowthPremi Asuransi Neto / Net Premium Income
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
Untuk Asuransi Properti, Perseroan membukukan pendapatan premi sebesar Rp45.592 juta lebih tinggi dibandingkan tahun 2018 sebesar Rp31.466 juta secara presentase Asuransi properti tumbuh sebesar 44,89 % dibandingkan tahun 2018. Pendapatan premi untuk asuransi kendaraan bermotor sebesar Rp3.729 juta, lebih tinggi dibandingkan tahun 2018 minus (Rp459 juta) atau tumbuh 913% dibandingkan tahun 2018 sedangkan untuk pendapatan premi asuransi pengangkutan membukukan Rp2.243 juta sedikit lebih rendah dibandingkan tahun 2018 Rp2.246 juta atau turun 0,13 %. Pendapatan premi untuk Asuransi Rekayasa bertumbuh lebih dari 100,81% menjadi Rp505 juta di tahun 2019 dibandingkan di tahun 2018 Rp251 juta. Sedangkan asuransi kecelakaan diri relatif hampir sama dengan tahun 2018, masing-masing sebesar Rp16.120 juta untuk tahun 2019 dan Rp16.023 juta untuk tahun 2018. Asuransi Aneka membukukan pendapatan premi Rp907 juta lebih rendah dibandingkan tahun 2018 sebesar Rp1.146 juta tau turun sebesar 20,85 %. Secara keseluruhan pendapatan premi Perseroan pada tahun 2019 sebesar Rp69.095 juta atau bertumbuh sebesar 36,35 % dibandingkan tahun 2018.
For Property Insurance, the company recorded a premium income of Rp45,592 million, higher than 2018 of Rp31,466 million. In percentage, Property insurance grew by 44.89% compared to 2018. Premium income for motor vehicle insurance amounted to Rp3,729 million, higher than 2018 of minus (Rp459 million) or 913% growth compared to 2018. On the other hand, transportation insurance premium income recorded Rp2,243 million, slightly lower than 2018 of Rp2,246 million, a decrease of 0.13%. Premium income for Engineering Insurance grew more than 100.81% to Rp505 million in 2019 compared to 2018 of Rp251 million. Meanwhile, personal accident insurance is relatively similar to 2018, respectively amounting to Rp16,120 million in 2019 and Rp16,023 million in 2018. Aneka Insurance recorded a premium income of Rp907 million, lower than in 2018 of Rp1,146 million or down by 20.85%. Overall, the company’s premium income in 2019 was Rp69,095 million or grew by 36.35% compared to 2018.
2019 2018 Rp %KeteranganDescription
Pendapatan UsahaOperating Income
Beban Usaha Operating Expenses
Laba Sebelum Pajak Profit Before Tax
Manfaat (Beban) PajakTax Benefit (Expenses)
Laba Tahun BerjalanProfit for the Year
Penghasilan Komprehensif Lain Other Comprehensive Income
Jumlah Laba Komprehensif Tahun Berjalan Total Comprehensive Income for the Year
18.200
13.407
4.793
(846)
3.948
(11.951)
(8.004)
19.175
1.908
17.267
592
17.858
9.063
26.921
105,36%
14,23%
360,23%
69,95%
452,38%
75,83%
336,36%
37.375
15.315
22.060
(254)
21.806
(2.888)
18.918
Pertumbuhan / Growth(dalam jutaan Rupiah / in million Rupiah)
TINJAUAN KEUANGANFinancial Review
Pendapatan usaha Perseroan merupakan penjumlahan dari pendapatan premi setelah komisi dibayar dikurangi premi reasuransi setelah komisi diterima dan kemudian dijumlahkan dengan kenaikan premi belum merupakan pendapatan menfaat polis masa depan dikurangi dengan beban underwriting dan dijumlahkan dengan hasil investasi. Pada tahun 2019 pendapatan Usaha Perseroan sebesar Rp37.375 juta dibandingkan pendapatan tahun 2018 sebesar Rp18.200 juta. Hal ini merupakan dampak dari kenaikan Pendapatan Premi sebesar 37,35 % dan kenaikan dari hasil investasi sebesar 89,50%.
The company’s operating income is the sum of the premium income after commission is paid, minus the reinsurance premium after the commission is received. Then, added to the increase in premiums not yet recorded as income from the benefit of the future insurance policy, reduced by underwriting expenses and added to the investment return. In 2019 the Company’s Operating income was Rp37,375 million, higher when compared to the income in 2018 of Rp18,200 million. This was due to an increase in Premium Income of 37.35% and an increase in investment yield of 89.50%.
Pendapatan UsahaOperating Revenue
50 51PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
Beban usaha Perseroan merupakan beban operasional yang terdiri dari beban pemasaran, beban pegawai dan pengurus, beban pendidikan dan pelatihan dan beban umum dan administrasi lainnya.
The company’s operating expenses consist of marketing expenses, employee and management expenses, education and training expenses and other general and administrative expenses.
Beban Usaha
Sejalan dengan kenaikan dari pendapat premi dan hasil investasi, laba tahun berjalan Perseroan pun mengalami kenaikan pada tahun 2019 menjadi Rp22.060 juta dibandingkan tahun 2018 Rp4.793 juta atau tumbuh 360,23%.
In accord with the increase in premiums and investment returns, the company’s current year’s profits in 2019 increased to Rp22,060 million. Compared to 2018 of Rp4,793 million, it grew 360.23%.
Laba Tahun Berjalan
Penghasilan konprehensif lain merupakan bagian yang menyajikan bagian keuntungan atau kerugian yang belum direalisasikan. Pada tahun 2019 kerugian komprehensif lain Perseroan adalah (Rp2.888 juta) hal ini karena penurunan nilai pasar saham.
Other comprehensive income presents part of the profit or loss that has not been realized. In 2019, other comprehensive loss of the company was (Rp2,888 million) due to a decline in stock market value.
Penghasilan (beban) Komprehensif Lain
Jumlah laba komprehensif tahun berjalan merupakan hasil penjumlahan antara laba tahun berjalan dikurangi Beban komprehensif lain. Jumlah Laba Komprehensif Tahun berjalan Rp18.918 Hal ini lebih rendah dari Laba tahun berjalan karena adanya kerugian yang belum direalisasikan dari nilai investasi saham.
Total comprehensive income for current year is the sum of the profit for current year minus other comprehensive expenses. Total comprehensive income for current year is Rp18,918. This is lower than current year’s profit due to unrealized losses from stock investment value.
Jumlah Laba Komprehensif Tahun Berjalan
2019 2018 Rp %Laporan Posisi KeuanganFinancial Position Statements
Aset KeuanganFinancial Assets
InvestasiInvestment
Kas dan BankCash on Hand and Bank
Piutang PremiPremium Receivables
Piutang ReasuransiReisurances Receivables
Piutang lain-lainOther Receivables
Jumlah Aset Keuangan Total Financial Assets
188.189
2.018
14.310
1.052
4.898
210.467
889
125
8.237
4
(2.012)
7.244
0,47%
6,21%
57,57%
0,41%
-41,08%
3,44%
189.078
2.144
22.547
1.056
2.886
217.711
Perubahan / Changes(dalam jutaan Rupiah / in million Rupiah)
Laporan Posisi Keuangan
Aset / Assets
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
Operating Expenses
Current Year Profit
Other Comprehensive Income (expenses)
Total Comprehensive Profit for the Current Year
Statement of Financial Position
2019 2018 Rp %Laporan Posisi KeuanganFinancial Position Statements
Aset Non KeuanganNon Financial Assets
Aset ReasuransiReinsurance Assets
Aset TetapFixed Assets
Aset Pajak TangguhanDeffered Tax Assets
Biaya dibayar dimukaPrepaid Expenses
Aset Lain lainOther Assets
Total AsetTotal Assets
48.107
1.163
704
360
1.318
51.652
262.119
12.002
887
1.062
49
808
14.808
22.052
24,95%
76,31%
150,74%
13,64%
61,30%
28,67%
8,41%
60.109
2.050
1.766
409
2.126
66.460
284.171
Perubahan / Changes(dalam jutaan Rupiah / in million Rupiah)
Secara keseluruhan Aset Perusahaan menunjukan pertumbuhan sebesar 8,41 % dari tahun sebelumnya. Per 31 Desember 2019 Aset Perseroan mencapai Rp284.171 juta meningkat dibandingkan tahun 2018 sebesar Rp262.119 juta.
Overall, the Company’s Assets showed growth of 8.41% compared to the previous year. As of December 31, 2019 the company’s assets reached Rp284,171 million, an increase when compared to 2018 of Rp262,119 million.
Aset keuangan Perseroan pada tahun 2019 mencatat pertumbuhan sebesar 3,44 % atau Rp7.244 juta dibandingkan tahun sebelumnya. Tercatat aset keuangan tahun 2019 Rp. 217.711 juta dan Rp210.467,- pada tahun sebelumnya. Kenaikan ini berasal dari piutang premi sebesar 57,57%.
The company’s financial assets in 2019 recorded a growth of 3.44% or Rp7,244 million compared to the previous year. It was recorded that financial assets in 2019 was Rp217,711 million and it was Rp210,467 in the previous year. This was due to an increase from premium receivables of 57.57%.
Aset Keuangan
Aset keuangan Perseroan pada tahun 2019 mencatat pertumbuhan sebesar 3,44 % atau Rp7.244 juta dibandingkan tahun sebelumnya. Tercatat aset keuangan tahun 2019 Rp217.711 juta dan Rp210.467,- pada tahun sebelumnya. Kenaikan ini berasal dari piutang premi sebesar 57,57 %
The company’s financial assets in 2019 recorded a growth of 3.44% or Rp7,244 million compared to the previous year. It was recorded that financial assets in 2019 was Rp217,711 million and it was Rp210,467 in the previous year. This was due to an increase from premium receivables of 57.57%.
Aset Non Keuangan
Pada tahun 2018 Liabilitas Keuangan Perseroan sebesar Rp15.828 juta dan mengalami kenaikan pada tahun 2019 memjadi sebesar Rp19.337 juta. Hal ini disebabkan oleh kenaikan Utang klaim dan Utang Reasuransi masing-masing sebesar Rp859 juta dan Rp2.522 juta.
In 2018, the Company’s Financial Liabilities amounted to Rp15,828 million and increased to Rp19,337 million in 2019. This was caused by an increase in claim debt and reinsurance debt amounting to respectively Rp859 million and Rp2,522 million.
Liabilitas Keuangan
Pada tahun 2019, Liabilitas non keuangan mengalami kenaikan yaitu sebesar Rp. 11.939 atau 17,94 % dari Rp. 66.563 juta pada tahun 2018. Hal ini disebabkan oleh kenaikan Liabilitas Kontrak Asuransi sebesar Rp. 10.562 juta.
In 2019, non-financial liabilities increased by Rp11,939 or 17.94% compared to 2018 of Rp66,563 million. This was due to an increase in the Insurance Contract Liabilities by Rp10,562 million.
Liabilitas Non Keuangan
52 53PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
2019 2018 Rp %KeteranganDescription
Liabilitas KeuanganFinancial Liabilities
Utang KlaimClaim Payable
Utang ReasuransiReinsurance Payable
Utang KomisiCommission Payable
Beban AkrualAccrued Expenses
Jumlah Liabilitias KeuanganTotal Financial Liabilities
Liabilitas Non Keuangan Non-Financial Liabilities
Utang PajakTax Payable
Liabilitas Kontrak AsuransiInsurance Contract Liabilities
Liabilitas Imbalan Kerja jangka panjangLong Term Employee Benefit Liabilities
Utang lain - lainOther Payables
Jumlah Liabilitas Total Liabilities
255
13.192
987
1.394
15.828
47
63.967
1.069
1.480
66.563
82.390
859
2.522
267
(139)
3.509
173
10.562
473
731
11.939
15.448
336,94%
19,12%
27,03%
-9,95%
22,17%
367,15%
16,51%
44,27%
49,40%
17,94%
18,75%
1.114
15.715
1.253
1.255
19.337
220
74.529
1.542
2.211
78.502
97.839
Pertumbuhan / GrowthLiabilitas / Liabilities
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
Financial Assets
Non Financial Assets
Financial Liabilities
Non Financial Liabilities
Pada tahun 2018 Total Ekuitas Perseroan sebesar Rp. 179.728 juta dibandingkan tahun 2019 yaitu Rp. 186.728,- Total Ekuitas Perseroan mengalami kenaikan sebesar Rp. 6.604 juta atau sebesar 3.67%. Hal ini disebabkan oleh Jumlah Penghasilan komprehensif sebesar Rp. 18.918,- dan adanya pembayaran deviden sebesar 12.646 juta.
In 2018 the Company’s Total Equity was Rp179,728 million. Compared to 2019 of Rp186,728, - the company’s total equity increased by Rp6,604 million or 3.67%. This was due to the total comprehensive income of Rp18,918, - and there was a dividend payment of 12,646 million.
2019 2018 Rp %KeteranganDescription
Modal SahamShare Capital
Tambahan Modal Disetor Additional Paid In Capital
Keuntungan (Kerugian) Belum Direalisasi Atas Perubahan Nilai Wajar Efek Tersedia untuk Dijual Unrealized Gain ( Loss) on Changes in Fair Value of Available -for- Sale Securities
Saldo Laba Retained Earnings
Ditentukan Penggunaannya Appropriated
Tidak Ditentukan PenggunaannyaUnappropriated
Jumlah Ekuitas Total Equity
145.358
109
(1.311)
-
3.000
32.572
179.728
302
30
(2.830)
-
10.000
(899)
6.604
0,21%
27,85%
215,88%
333,33%
-2,76%
3,67%
145.661
139
(4.140)
-
13.000
31.673
186.332
Pertumbuhan / GrowthEkuitas / Equity
Laporan Arus Kas / Cash Flow Statements (dalam jutaan Rupiah / in million Rupiah)
2019 2018Arus Kas Dari (untuk) Aktivitas OperasiCash Flow From (used in) Operating Activities
Penerimaan Proceed
PremiPremium
Klaim Reasuransi Reinsurance Claim
KomisiCommission
Lain-lainOthers
PembayaranPayment
Premi ReasuransiReinsurance Premium
KlaimClaim
KomisiCommission
Beban UsahaOperating expenses
Pajak PenghasilanPajak Penghasilan
Kas Bersih digunakan untuk Aktifitas OperasiTotal Cash Flow from (used in) Operating Activities
48.345
11.340
5.848
766
-
(28.386)
(28.418)
(2.735)
(11.137)
(343)
(4.720)
60.858
18.277
10.209
361
-
(47.168)
(29.968)
(3.480)
(14.654)
(337)
(5.903)
54 55PT VICTORIA INSURANCE TBK Laporan Tahunan 2019 Annual Report
2019
2019
2018
2018
Arus Kas Dari (untuk) Aktivitas Investasi Cash Flow From (used in) Investing Activities
Arus Kas dari Aktivitas Pendanaan Cash Flow from Financing Activities
PencairanProceed
Efek tersedia untuk dijualAvailable for sale securities
Deposito Berjangka Time deposit
Penerimaan hasil investasiReceipt of investment returns
Hasil Penjualan aset tetapProceeds from sale of fixed assets
PenempatanPlacement
Efek tersedia untuk dijualAvailable for sale securities
Deposito berjangkaTime deposit
Perolehan aset tetapAcquisition of fixed assets
Kas Bersih digunakan untuk Aktifitas InvestasiNet Cash used for Investment
Penerimaan dari penerbitan modal sahamReceipt from the issuance of share capital
Pembayaran DividenDividend payment
Pembayaran utang pembelian kendaraanPayment of vehicle purchase debt
Kas Bersih digunakan untuk Aktifitas InvestasiNet Cash used for Investment
Kenaikan (Penurunan) Bersih KasIncrease (Penurunan) of Net Cash
Kas Dan Bank Awal TahunCash and Bank Early Year
Kas Dan Bank Akhir TahunCash and Bank Late Year
27.843
13.441
12.358
281
-
(17.393)
(29.668)
(193)
6.669
156
(2.326)
(237)
(2.407)
(458)
2.476
2.018
28.826
30.168
24.513
23
-
(47.964)
(15.712)
(1.306)
18.548
333
(12.646)
(207)
(12.520)
125
2.018
2.144
(dalam jutaan Rupiah / in million Rupiah)
Pada tahun 2019 Arus Kas dari Aktivitas Operasi kekurangan sebesar Rp5.902 juta. Hal ini disebabkan Klaim Reasuransi yang belum dibayarkan oleh Reasuradur.
In 2019, Cash Flows from Operating Activities were short of Rp5,902 million. This was due to unpaid Reinsurance Claims by reassurance company.
Arus Kas dari (untuk ) Aktivitas Operasi
Pada tahun 2019 arus kas untuk aktivitas investasi sebesar Rp18.548. Hal ini disebabkan oleh hasil investasi yang diperoleh sebesar Rp24.513 juta.
In 2019, cash flow for investment activities reached Rp18,548. This was caused by the investment returns of Rp24,513 million
Arus Kas dari Aktivitas Investasi
KILAS KINERJA 20192019 Performance
LAPORAN MANAJEMENManagement Report
PROFIL PERUSAHAANCompany Profile
ANALISIS DAN PEMBAHASAN MANAJEMENManagement and Discussion Analysis
TATA KELOLA PERUSAHAANGood Corporate Governance
TANGGUNG JAWAB SOSIAL PERUSAHAANCorporate Social Responsibility
Cash Flow from (for) Operating Activities
Cash Flow from Invstment Activities