menerjang ombak, menembus badai, menuju tanah harapan … · premi & klaim bruto per-jenis...
TRANSCRIPT
Menerjang Ombak, Menembus Badai, Menuju Tanah Harapan yang Lebih Baik
PREMI & KLAIM BRUTO PER-JENIS PERTANGGUNGAN GROSS PREMIUMS & CLAIMS PER-CLASS Of BUSINESS
Dalam jutaan rupiahIn million rupiahs
Dalam jutaan rupiahIn million rupiahs
KebakaranPengangkutanRangka kapalKendaraan BermotorRekayasaAnekaSurety BondJumlah
26,827 9,649 839 4,915 99020,627 95964,806
36,909 341 593 2,505 1,121 1,330
-42,799
FireMarine Cargo
Marine HullMotor Vehicle
EngineeringMiscellaneous
Surety BondTotal
KebakaranPengangkutanRangka kapalKendaraan BermotorRekayasaAnekaSurety BondJumlah
28,184 10,195 805 5,820
1,34616,950
1,71865,017
15,738 583
406 2,909 1,046 6,417
-27,099
FireMarine Cargo
Marine HullMotor Vehicle
EngineeringMiscellaneous
Surety BondTotal
TAHUN 2007 / year 2007 TAHUN 2008 / year 2008
Jenis Pertanggungan Jenis Pertanggungan Premi Bruto gross premiums
Premi Bruto gross premiums
Klaim Bruto gross claims
Klaim Bruto gross claimsClass of Business Class of Business
0 0
5,000 5,000
10,000 10,000
15,000 15,000
20,000 20,000
25,000 25,000
30,000 30,000
35,000 35,000
40,000 40,000
KebakaranFire
RekayasaEngineering
PengangkutanMarine Cargo
AnekaMiscellaneous
Surety BondSurety Bond
Rangka kapal Marine Hull
Kendaraan BermotorMotor Vehicle
InfoBank Insurance Award dengan predikat SANGAT BAGUS atas
Kinerja Keuangan tahun 2004, 2005, 2007
Dalam jutaan rupiahIn million rupiahs
Premi Bruto / Gross Premiums Klaim Bruto / Gross Claims
2007 2008 2007 2008
Dalam jutaan rupiahIn million rupiahs
KebakaranFire
RekayasaEngineering
PengangkutanMarine Cargo
AnekaMiscellaneous
Surety BondSurety Bond
Rangka kapal Marine Hull
Kendaraan BermotorMotor Vehicle
Per 31 Desember 2008 dan 2007 (Audited) (Dalam jutaan Rupiah) As at December 31, 2008 and 2007 (Audited) (In Million Rupiahs)
InvestasiKas Dan BankPiutang PremiPiutang ReasuransiPiutang Lain - LainAktiva Tetap Setelah DikurangiAkumulasi PenyusutanAktiva Lain - Lain
JUMLAH AKTIVA
KEWAJIBAN DAN EKUITAS
KEWAJIBAN
Hutang KlaimEstimasi Klaim Retensi SendiriPremi Belum Merupakan PendapatanHutang ReasuransiHutang KomisiHutang PajakBiaya Masih Harus DibayarPendapatan Premi DitangguhkanHutang Lain-Lain
Jumlah Kewajiban
EKUITAS :Modal Saham - Nilai NominalRp. 500.000 per SahamModal Dasar -100.000 SahamModal DisetorTambahan Modal DisetorSaldo Laba
Jumlah Ekuitas
JUMLAH KEWAJIBAN DAN EKUITAS
21,2632,772
13,46313,916
194
6,3341,665
59,606
2008
1,9262,227
10,8364,2391,753
506733
4,325399
26,944
26,9302,0443,688
32,662
59,606
20,3573,041
13,93715,073
263
5,9501,189
59,810
2007
2,5312,695
10,8554,5882,788
4361,0974,640
524
30,154
26,930-
2,726
29,656
59,810
InvestmentsCash and Banks
Premium ReceivablesReinsurance Receivables
Other Accounts Receivables
Net Fixed AssetsOther Assets
TOTAL ASSETS
LIABILITIES AND EQUITY
LIABILITIES
Claims PayablesEstimated Own Retention Claims
Unearned PremiumReinsurance Payables
Commissions PayablesTaxes Payables
Accrued PayablesDeferred Premium IncomeOther Accounts Payables
Total Liabilities
EQUITYCapital Stock - per Value of
Rp. 500.000 per ShareAuthorized - 100.000 Shares
Paid - up CapitalAddition in Paid - up Capital
Retained Earnings
Total Equity
TOTAL LIABILITIES AND EQUITY
Untuk Tahun Yang Berakhir Pada Tanggal 31 Desember 2008 Dan 2007 (Audited) (Dalam Jutaan Rupiah) For The Years Ended December 31, 2008 And 2007 (Audited) (In Million Rupiahs)
1. Pendapatan Underwriting Pendapatan Premi Premi Bruto Premi Reasuransi
(Kenaikan) Penurunan Premi Belum Merupakan Pendapatan
Jumlah Pendapatan Premi
Jumlah Pendapatan Underwriting
2. Beban Underwriting Beban Klaim Klaim Bruto Klaim Reasuransi
Kenaikan (penurunan) Estimasi KlaimRetensi Sendiri
Jumlah Beban Klaim
Beban Komisi Neto
Beban Underwriting Lain
Jumlah Beban Underwriting
3. Hasil Underwriting
4. Hasil Investasi
5. Beban Usaha
6. Laba Usaha
7. Penghasilan Lain-lain
8. Laba Sebelum Pajak
9. Beban Pajak
10. Laba Bersih
65,017 (25,612)
19
39,424
39,424
27,099(15,013)
(468)
11,618
7,264
2,807
21,689
17,735
1,151
(16,399)
2,487
653
3,139
(916)
2,223
64,806 (25,890)
(2,675)
36,241
36,241
42,798(34,960)
45
7,883
6,544
4,397
18,824
17,417
999
(15,144)
3,272
427
3,699
(1,081)
2,618
1. Underwriting RevenuePremium IncomeGross Premiums
Reinsurance Premiums
(Increase) decrease In Unearned Premiums
Total Premium Income
Total Underwriting Revenues
2. Underwriting ExpensesClaim Expenses
Gross ClaimsReinsurance Claims
Increase (decrease) In Estimated Own Retention Claims
Total Claims Expenses
Net Commission Expenses
Other Underwriting Expenses
Total Underwriting Expenses
3. Underwriting Income
4. Investment Income
5. Operating Expenses
6. Income From Operations
7. Other Income
8. Income Before Tax
9. Tax Expenses
10. Net Income
NERACABALANCE SHEETS
LAPORAN LABA RUGIINCOME STATEMENT
Jumlah AktivaModal SendiriPremi BrutoKlaim Bruto
48,70122,13650,00524,108
53,93923,25659,37722,178
56,48529,31653,01426,420
59,81029,65664,80642,798
Total AssetsTotal Equity
Gross PremiumsGross Claims
Dalam Jutaan Rupiahin million rupiahs
Keterangan 2004 2005 2006 2007 2008 Description100
90
80
70
60
50
40
30
20
10
0
Jumlah Aktiva Total Assets
Modal Sendiri Total Equity
Premi Bruto Gross Premiums
Klaim Bruto Gross Claims
Catatan:- Laporan keuangan untuk tahun yang berakhir tanggal 31 Desember 2008 dan 2007 telah diaudit oleh
Kantor Akuntan Publik Paul Hadiwinata, Hidajat, Arsono & Rekan (Anggota dari PKF Internasional) dengan pendapat “Wajar Tanpa Pengecualian”
Note:- Financial statements for the years ended 31 December 2008 and 2007 have been audited by Paul
Hadiwinata, Hidajat, Arsono & Rekan (Member of PKF International) Wich Expressing an “Unquali-fied Opinion”
Aktiva 2008 2007 ASSETS
INDIKATOR USAHA 2004 - 2008 / Business indicator 2004 - 2008
59,60632,66265,01727,099
2004 2005 2006 2007 2008
Dalam Jutaan Rupiahin million rupiahs
Uraian 2008 2007 Description
PRODUK-PRODUK / PrODUcTS■ Fire and Allied Perils Insurance
■ Property/Industrial All Risks
■ Loss of Profit/Business Interuption Insurance Following Fire Or Property All Risks/Industrial All Risks Or Machinery Breakdown Insurance
■ Contractors’ All Risks/Erection All Risks Insurance■ Electronic Equipment Insurance■ Machinery Breakdown Insurance
■ Marine Cargo Insurance■ Marine Hull Insurance
■ Aviation Insurance■ Motor Vehicle Insurance
■ Personal Accident Insurance■ Workmen Compensation Insurance
■ Liability Insurance■ Burglary Insurance
■ Cash in Transit■ Cash in Safe/Cash in Cashier Box
■ Fidelity Guarantee■ Surety Bond
PERUSAHAANTHE COMPANY
PT. STACO JASAPRATAMADidirikan l0 Februari 1990 Established on February 10th, 1990
VISI / VisionMenjadi perusahaan asuransi umum yang profesional,inovatif, efisien dan tumbuh seiring dengan kesempatanyang terbuka serta diperhitungkan dalam industri, sesuaidengan kelasnya.Becoming a professional, innovative and efficient generalinsurance company that grows proportionally to theopen market and to be known in the industry accordingto its class.
MISI / Mission• Menciptakan, mengolah dan memasarkan jasa asuransi umum yang bermutu dengan kondisi yang kompetitif. Creating, processing and providing qualified general insurance service with competitive conditions.• Memberikan pelayanan secara profesional dengan berorientasi pada kepuasan stakeholders. Providing professional services to meet the stakeholders’ satisfaction.
PEMEGANG SAHAM / Stakeholders■ Dana Pensiun Bank Mandiri Dua■ Yayasan Kesejahteraan Pensiunan Bank Dagang Negara■ PT Tugu Pratama Interindo■ Dana Pensiun Pertamina■ Dana Pensiun Karyawan JAMSOSTEK■ Dana Pensiun Karyawan TASPEN■ Dana Pensiun Jasa Raharja■ Dana Pensiun PT Asuransi Jasa Indonesia■ PT Quartasonni Puteri■ PT Asuransi Ramayana,Tbk
DEWAN KOMISARIS / Board of Commissioners■ Royke Tumilaar : Komisaris Utama / Chairman■ Rudjito : Komisaris / Comissioner ■ Purwanto Abdulcadir : Komisaris Independen / Independent Com-
missioner
DEWAN DIREKSI / Board of Directors■ Ruhari : Direktur Utama / President Director■ Wahyoe Santoso : DirekturTehnik / Technical Director■ Rubiyanto : Direktur Pemasaran / Marketing Director
AKUNTAN / AuditorsPaul Hadiwinata, Hidajat, Arsono & Rekan (Member of PKF Interna-tional)Jl. Barito 2 No. 31Kebayoran BaruJakarta Selatan 12130PO Box 4343Jakarta 12043IndonesiaTelp. +62 2l 725 2780 +62 21 720 1080 +62 21 720 1100 +62 21 720 3026
BANK / Bankers■ Bank Mandiri■ Bank Rakyat Indonesia (BRI)■ Bank Syari’ah Mandiri■ Bank Bukopin■ Citibank NA
KANTOR PUSATHEAD OFFICE
KANTOR CABANGBRANCH OFFICES
KANTOR PERWAKILANREPRESENTATIVE OFFICES
Wisma Tugu Raden Saleh Lt. 3,4 & 5. Jl. Raden Saleh No. 44, Jakarta 10330 Telp. : (021) 391 1840 (Hunting) Fax. : (021) 391 1844, 391 1845 E-mail: [email protected] [email protected] Homepage : www.stacoinsurance.com SURABAYAKomplek Ruko Grand FlowerBlok B. 21Jl. Pasar Kembang No. 4 - 6Surabaya 60263Telp. : (031) 545 3874, 545 3807Fax. : (031) 535 7724
MEDANJl. Kepribadian No.6, Medan 20112Telp. : (061) 457 5069 Fax : (061) 453 0589E-mail: [email protected]
PEKANBARUPerkantoran Grand SudirmanBlok D No. I, Jl. Datuk Setia MaharajaPekanbaru-RiauTelp. : (0761) 32326, 37287Fax : (0761) 32326E-mail: [email protected]
BANDUNGJl. Cihampelas No. 56 B, Bandung 40131 Telp. : (022) 420 2356, 707 22435, 420 7090 Fax : (022) 420 2356 E-mail: [email protected]
SEMARANGJl. Cendrawasih No. 17 E Semarang Telp. : (024) 358 0337 Fax : (024) 355 0537 E-mail: [email protected]
SYARl’AHWismaTugu Raden Saleh Lt. 3 Jl. Raden Saleh No. 44, Jakarta 10330 Telp. : (021) 391 1840 (Hunting) Fax : (021) 391 1844, 391 1845 E-mail: [email protected]
PALEMBANGJI. Dr. M. Isa No.6 B, Palembang Telp/Fax: (07ll) 730 07llE-mail: [email protected]
MAKASSARJl. Gunung Salahutu No. 10, Makassar Telp: (0411) 504 4435, Fax: (0411) 321 337E-mail: [email protected]
BANDAR LAMPUNGJl. Cut Mutiah No. 3A, Bandar Lampung 36214 Telp/Fax: (072l) 484 569E-mail: [email protected]
BALIRuko Graha Merdeka unit B,Jl. Merdeka,Tanjung Bungkak, Denpasar-BaliTelp/Fax: (036l) 236 079E-mail: [email protected]