Tujuan dan Kebijakan Manajemen Management of Insurance and

PT ASURANSI JASA INDONESIA PT ASURANSI JASA INDONESIA PERSERO DAN ENTITAS ANAK PERSERO AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN NOTES TO CONSOLIDATED KONSOLIDASIAN FINANCIAL STATEMENTS Lanjutan Continued Untuk Tahun-Tahun yang Berakhir For the Years Ended pada 31 Desember 2014 dan 2013 December 31, 2014 and 2013 Dalam Ribuan Rupiah In Thousands Rupiah DraftMarch 21, 2015 95 parafsign: 2014 2013 Rp Rp Ekuitas Equity Modal disetor 100,000,000 27,111,500 Capital stock Keuntungan kerugian belum Unrealized gain loss on increase direalisasi atas kenaikan decline in fair value of penurunan nilai wajar efek available-for-sale marketable tersedia untuk dijual -- -- securities Saldo laba 39,638,418 37,637,599 Retained earnings Jumlah ekuitas 139,638,418 64,749,099 Total Equity Jumlah liabilitas, dana peserta, Total Liabilities, Participants Fund dan ekuitas 319,078,540 275,193,296 and Equity 2014 2013 Rp Rp PENDAPATAN ASURANSI INSURANCE REVENUE Kontribusi bruto 130,554,968 118,474,798 Gross contribution Ujrah Pengelola 60,995,281 59,237,399 UJjrah for operator Bagian retakaful 9,002,024 10,238,516 Retakaful share Perubahan kontribusi yang belum Changes in unearned contribution menjadi hak 25,493,413 13,450,955 reserves Jumlah pendapatan 35,064,250 62,449,838 Net revenues BEBAN ASURANSI INSURANCE EXPENSE Pembayaran klaim 81,063,640 60,176,034 Claim paid Klaim yang ditanggung retakaful dan Claim paid by retakaful and pihak lain 13,544,241 4,717,160 other parties Beban pendapatan penyisihan teknis 11,130,853 1,098,919 Technical reserve expense Jumlah beban asuransi 78,650,252 56,557,793 Net insurance expense Surplus Neto Asuransi 43,586,002 5,892,045 Net Surplus Insurance Hasil investasi 4,706,654 3,188,472 Income from investment Surplus Underwriting Dana Tabarru 38,879,348 9,080,517 Underwriting Surplus Tabarru Fund E on or e on s SE aid d es nse nse e t d PT ASURANSI JASA INDONESIA PT ASURANSI JASA INDONESIA PERSERO DAN ENTITAS ANAK PERSERO AND SUBSIDIARY CATATAN ATAS LAPORAN KEUANGAN NOTES TO CONSOLIDATED KONSOLIDASIAN FINANCIAL STATEMENTS Lanjutan Continued Untuk Tahun-Tahun yang Berakhir For the Years Ended pada 31 Desember 2014 dan 2013 December 31, 2014 and 2013 Dalam Ribuan Rupiah In Thousands Rupiah DraftMarch 21, 2015 96 parafsign: 2014 2013 Rp Rp Laporan Perubahan Dana Tabarru Statements of Changes in Tabarru Fund Surplus Defisit underwriting Underwriting surplus Deficit dana tabarru 43,586,002 5,892,045 tabarru fund Distribusi ke peserta -- 2,356,818 Distribution to participants Distribusi ke pengelola -- 2,946,023 Distribution to shareholders Surplus yang tersedia untuk dana tabarru 43,586,002 589,204 Tabarrufund surplus Hasil investasi 4,706,654 3,188,472 Investment income Distribusi ke pengelola 1,807,826 1,594,236 Distribution to shareholders Surplus yang tersedia untuk dana tabarru 2,898,828 1,594,236 Tabarru fund surplus Koreksi Kesalahan perhitungan Suplus Underwriting 38,627,228 -- correction for calculation Underwriting Suplus Saldo awal 23,578,463 21,395,023 Beginning balance Saldo akhir 21,518,517 23,578,463 Ending balance 2014 2013 Rp Rp PENDAPATAN REVENUES Pendapatan pengelolaan operasi Management revenues for insurance asuransi ujrah 60,995,281 59,237,399 operator ujrah Pendapatan pengelolaan portofolio Participant fund portfolio investment investasi dana peserta 1,807,826 1,594,236 management revenues Pendapatan pembagian surplus underwriting -- 2,946,023 Surplus underwriting income distribution Hasil investasi 12,460,488 6,583,271 Income from investment Pendapatan underwriting lain-lain 673,544 739,502 Others underwriting income Jumlah pendapatan 75,937,139 71,100,431 Total revenues BEBAN EXPENSES Beban komisi 24,774,971 17,871,418 Commission expense Ujrah dibayar 573,588 907,291 Ujrah paid Beban usaha 10,780,742 10,101,163 Operating expenses Jumlah beban 34,982,125 27,065,290 Total expenses LABA USAHA 40,955,014 44,035,141 INCOME FROM OPERATIONS BEBAN LAIN-LAIN 1,154,893 7,235,842 OTHER EXPENSES LABA SEBELUM ZAKAT DAN PAJAK 39,800,121 36,799,299 INCOME BEFORE ZAKAT AND TAX ZAKAT 995,003 -- ZAKAT LABA SEBELUM PAJAK 38,805,118 36,799,299 INCOME BEFORE TAX BEBAN PAJAK -- -- TAX EXPENSE LABA NETO 38,805,118 36,799,299 NET INCOME PENDAPATAN KOMPREHENSIF LAIN -- OTHER COMPREHENSIVE INCOME JUMLAH LABA KOMPREHENSIF 38,805,118 36,799,299 TOTAL COMPREHENSIVE INCOME