ASET TETAP FIXED ASSETS
PT ASURANSI BINA DANA ARTA Tbk PT ASURANSI BINA DANA ARTA Tbk
DAN ENTITAS ANAK AND ITS SUBSIDIARY
CATATAN ATAS LAPORAN KEUANGAN NOTES TO CONSOLIDATED FINANCIAL
KONSOLIDASIAN Lanjutan STATEMENTS Continued
Untuk tahun-tahun yang berakhir For the years ended
31 Desember 2015 dan 2014 December 31, 2015 and 2014
Dinyatakan dalam ribuan Rupiah, kecuali dinyatakan lain Expressed in thousands of Rupiah, unless otherwise stated
19. LIABILITAS KONTRAK ASURANSI 19. INSURANCE CONTRACTS LIABILITIES
Estimasi liabilitas klaim a Estimated claim liabilities a
Liabilitas premi b Premium liabilities b
Jumlah liabilitas kontrak asuransi Total insurance contract liabilities
Estimasi liabilitas klaim a Estimated claim liabilities a
Liabilitas premi b Premium liabilities b
Jumlah liabilitas kontrak asuransi Total insurance contract liabilities
a. Estimasi liabilitas klaim a. Estimated claim liabilities
Kendaraan bermotor Motor vehicles
Kecelakaan Kesehatan Accident Health
Kebakaran Fire
Pengangkutan Marine cargo
Aneka Miscellaneous
Perubahan estimasi liabilitas klaim Change in estimated claim liabilities
Saldo akhir Ending balance
Saldo awal Beginning balance
Estimasi penggantian reasuransi Recoverable from reinsurance of
atas liabilitas klaim estimated claim liabilities
Saldo akhir Ending balance
Saldo awal Beginning balance
Perubahan bersih estimasi liabilitas klaim Net change in estimated claim liabilities
233.663.115 25.600.742
Reinsurance
As of December 31, 2015 and 2014, estimated claim liabilities in Sharia Unit amounted to Rp 1,001,758 and Rp 675,752,
respectively. 23.021.577
5.118.850 173.680.559
27.053.727 Net change in estimated claim liabilities is calculated as
follows: 5.796.343
Bersih 23.722.808
2015
Reinsurance Gross
2014 234.664.873
1.286.104.862 Bruto
1.271.234.773
199.255.814 Reasuransi
194.135.223 Reasuransi
34.407.301 152.631.469
2.277.843 1.172.645.465
38.592.896
2015
5.394.242 Perubahan bersih estimasi liabilitas klaim dihitung dengan cara
sebagai berikut: 2014
234.664.873 199.931.566
636.258 817.182
1.256.159.747 110.620.940
16.779.965 1.482.176.839
31.540.049 6.736.267
1.372.577.031 Net
10.513.092 177.320.938
Gross Bruto
14.870.088
2015 210.942.065
199.931.566 Net
Bersih
Pada tanggal 31 Desember 2015 dan 2014, estimasi liabilitas klaim
atas unit
bisnis syariah
masing-masing sebesar
Rp 1.001.758 dan Rp 675.752. This account includes Incurred But Not Reported IBNR claims
amounting to Rp 42,340,000 and Rp 43,021,000 as of December 31, 2015 and 2014, respectively.
17.627.335 21.934.877
1.520.769.735
2014 116.417.283
39.110.390
5.394.242 1.062.024.525
199.255.814 Dalam estimasi klaim termasuk estimasi atas klaim yang
sudah terjadi
namun belum
dilaporkan IBNR
adalah Rp 42.340.000 dan Rp 43.021.000 masing-masing pada tanggal
31 Desember 2015 dan 2014. 1.565.680
58
PT ASURANSI BINA DANA ARTA Tbk PT ASURANSI BINA DANA ARTA Tbk
DAN ENTITAS ANAK AND ITS SUBSIDIARY
CATATAN ATAS LAPORAN KEUANGAN NOTES TO CONSOLIDATED FINANCIAL
KONSOLIDASIAN Lanjutan STATEMENTS Continued
Untuk tahun-tahun yang berakhir For the years ended
31 Desember 2015 dan 2014 December 31, 2015 and 2014
Dinyatakan dalam ribuan Rupiah, kecuali dinyatakan lain Expressed in thousands of Rupiah, unless otherwise stated