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PT Asuransi Bintang, Tbk terdaftar dan diawasi oleh Otoritas Jasa Keuangan Graha Niaga , 12 Desember 2018
Public Expose 2018
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
1. Penjelasan Manajemen :
Kinerja Perusahaan 2018
• Gabungan • Unit Usaha Syariah
Inisiatif Baru
2. Diskusi dan Tanya – Jawab
3. Ramah Tamah
4. Press Conference
2
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
3
Kinerja Asuransi Gabungan Per Oktober 2018 Dalam Milyar Rupiah
2018 % 2017 %
Premi Gross 334.03 100% 325.41 100% 2.65%
Premi Reasuransi 119.46 36% 113.58 35% 5.18%
Cadangan Premi 2.56 1% 26.92 8% -90.49%
Klaim Netto 56.28 17% 46.65 14% 20.64%
Komisi Netto 40.46 12% 52.05 16% -22.27%
Hasil Underwiting 115.28 35% 86.21 26% 33.72%
Hasil Investasi 9.32 3% 28.45 9% -67.24%
Beban Usaha 120.30 36% 101.00 31% 19.11%
Laba (Rugi) Usaha 4.30 1% 13.66 4% -68.52%
Penghasilan (Beban) Lain 1.82 1% (3.12) -1% -158.33%
Laba Sebelum Pajak 6.12 2% 10.54 3% -41.94%
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
2018 % 2017 %
Kontribusi Bruto 15.69 100% 28.33 100% -44.62%
Beban Ujroh 5.20 33% 6.91 24% -24.75%
Beban Reasuransi 4.88 31% 5.95 21% -17.98%
Perubahan kontribusi Yang
Belum Menjadi Hak2.74 17% 9.19 32% -70.18%
Klaim Netto 8.39 53% 24.42 86% -65.64%
Surplus Underwriting (0.05) 0% 0.24 1% -120.83%
Hasil Investasi Netto (1.76) -11% 0.48 2% -466.67%
Surplus Dana Tabarru (1.81) -12% 0.73 3% -347.95%
2018 % 2017 %
Pendapatan Ujroh 5.20 100% 6.91 100% -24.75%Cadangan Atas Ujroh (0.44) -8% 1.50 22% -129.33%Pendapatan Investasi 1.89 36% 21.20 307% -91.08%Komisi Netto 3.15 60% 6.12 88% -48.53%Beban Usaha 3.40 65% 4.85 70% -29.90%Laba Usaha 0.98 19% 15.64 226% -93.73%Penghasilan (Beban) Lain 0.18 4% (4.75) -69% -103.79%Laba Bersih 1.17 22% 10.89 158% -89.26%
Dalam Milyar Rupiah
4
Dalam Milyar Rupiah
Kinerja Asuransi Syariah Per Oktober 2018 Surplus U/W Dana Tabarru
Laba-Rugi Operator
4
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Pertumbuhan Produksi Asuransi Konvensional
85 %
21 %
58 %
26 %
73 %
22 %
Agen
17% Bank
6%
Broker
31%
Direct
17%
Leasing
23%
Tele
6%
Agen Bank Broker Direct Leasing Tele
Act 2017 46,035 16,538 85,731 48,366 103,078 25,667
Act 2018 55,747 19,815 104,883 58,220 76,786 18,583
Plan 2018 65,509 43,283 143,392 66,525 131,302 35,647
46 %
20 %
88 %
20 %
52 %
28 %
Eng
4% Varia
19%
Property
46% Cargo
6%
Hull
3%
Vehicle
22%
51 %
29 %
68 %
21 %
Eng Varia Property Cargo Hull Vehicle
Act 2017 11,447 61,083 126,015 12,772 9,953 104,145
Act 2018 12,137 65,069 152,249 20,282 10,419 73,878
Plan 2018 13,019 82,990 225,024 16,762 3,582 144,281
93 %
6 %
78 %
7 % 121 %
59 % 291 %
5 %
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Pertumbuhan Produksi Asuransi Syariah
67 %
27 %
55 %
37 %
48 %
120 %
2 %
25 %
50 %
31 %
Agen Bank Broker Direct Leasing Tele
Act 2017 2,517 9,085 8,888 6,667 384 793
Act 2018 1,578 4,114 4,653 4,841 390 262
Agen
10% Bank
26%
Broker
29%
Direct
31%
Leasing
2%
Tele
2%
Eng
1%
Health
42%
Cargo
3% Vehicle
14%
Property
34%
Varia
6%
Eng Health Cargo Vehicle Property Varia
Act 2017 283 13,349 230 3,146 10,674 652
Act 2018 212 6,690 506 2,168 5,296 966
50 %
48 %
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Kantor Cabang & Pemasaran serta network Penjualan
tersebar di seluruh Indonesia
Medan
Pekanbaru
Batam
Palembang
Lampung
Jambi
Jakarta
Bandung
Cirebon
Purwokerto
Solo
Semarang
Yogyakarta
Malang
Kediri
Surabaya
Jember
Denpasar Makassar
Balikpapan
Samarinda
Pontianak Manado
Nationwide Service Coverage
# 25 Branches (Inc. Sharia Office Channeling) # 2 Sharia Branch
# 1 Telemarketing Unit
Plus More than 500 Point Of Sales by
Business Partner’s Network
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Point of Sales
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Pertumbuhan Ekuitas
137,017
160,705173,651
267,548274,548
2014 2015 2016 2017 2018
Minimum Rp 100 M
Minimum Rp 100 M
P
r
o
y
e
k
s
i
8
8
(dalam jutaan rupiah)
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Proyeksi Akhir Tahun Asuransi Gabungan
Dalam Milyar Rupiah, kecuali Laba/saham
*) Proyeksi sampai dengan Desember 2018
**) jumlah saham beredar tahun 2015 sebanyak 174 juta saham, sejak tahun 2016 setelah stock split sebanyak 348 juta saham
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2015 % 2016 % 2017 % 2018* %
Premi Bruto 309.22 100% 333.04 100% 393.70 100% 410.80 100%
Premi Reasuransi 110.90 36% 114.77 34% 145.47 37% 144.17 35%
Klaim Netto 54.41 18% 46.62 14% 54.26 14% 69.42 17%
Komisi Netto (termasuk
Ujrah Syariah)31.47 10% 46.98 14% 58.67 15% 55.85 14%
Hasil Underwiting 90.43 29% 108.67 33% 113.11 29% 139.85 34%
Hasil Investasi 26.87 9% 11.62 3% 32.49 8% 12.10 3%
Beban Usaha 89.47 29% 109.29 33% 127.75 32% 146.32 36%
Laba (Rugi) Bersih 28.20 9% 15.30 5% 13.51 3% 7.18 2%
Laba (Rugi) / Saham 162.00 52% 44.00 13% 39.00 10% 21.00 5%
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Perolehan Kontribusi (dalam jutaan rupiah)
Proyeksi Akhir Tahun Asuransi Syariah
* Proyeksi sampai dengan Desember 2018
Proyeksi perolehan ujrah bruto tahun 2018 : Rp 6.62 M
Oct 18 Oct 17 Des 2018*
Marine Cargo 509.62 225.36 126.14% 852.72
Kebakaran 5,586.58 11,417.23 -51.07% 7,999.29
Kendaraan Bermotor 1,927.87 2,692.05 -28.39% 3,731.43
Aneka 7,663.72 13,992.34 -45.23% 7,503.38
Total 15,687.79 28,326.98 -44.62% 20,086.82
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Sentralisasi pekerjaan admistratrif di kota-kota dengan UMR rendah telah berhasil menekan Unit Cost pegawai hanya sebesar Rp 29.000,- per 1 Juta Pendapatan Premi. Total telah ada 6 Orang administrasi pembuatan polis, 4 orang collection officer, 5 Inbound Call Center dan 1 administrative Underwriter yang dipindahkan pekerjaannya ke Kantor Solo dan Jogjakarta.
Inisiatif Penekanan Biaya
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
UnitLink Readiness
Fund Manager
Product
Credit Card
Virtual Account
Transfer
Fund Management
Sales Illustration
Quotation
Policy
Transaction Report
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Digital Marketing Social Media Account
13
13
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Fans & Followers Digital Marketing
Instagram FanPage Twitter
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Kerjasama & Produk Baru
- Bank Mayapada Kartu Kredit
- Bank Sahabat Sampoerna Kendaraan Bermotor
- Bussan Auto Finance – Perusahaan Pembiayaan
- Etobee – Start up Company
- Lima Ventura – Pembiayaan Gadget
- Mass Credit – Perusahaan Pembiayaan Berbasis Digital
16 15
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
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Financial Institution
Non Financial Institution
Our Business Partners
Fintech
16
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Call Center 1500481
1299 Provider Kesehatan Rumah Sakit 611 Klinik 378 Optik 186 Lab 122 TPA 1 (Admedika) Provider Internasional 1 (Malaysia)
309 Bengkel Rekanan Umum 193 Authorized 106 Khusus 10
Emergency Roadside Assistance (ERA)
Layanan Pelanggan
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Penghargaan
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18
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang 16
Bantuan Sarana dan Prasarana pada Pendidikan AT-TIN
Bantuan Sembako untuk Korban Gempa Lombok, Banjir Brebes &
Banyuwangi
Corporate Social Responsibility
19
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang 16
Donor Darah
Santunan Anak Yatim & Penyerahan Hewan
Kurban
Corporate Social Responsibility
20
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Peresmian Masjid An Najm
21
21
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Insurance Goes to School ke Yayasan AT-TIIN Tapos Bogor – 10 Oktober 2018
Kelas Belajar Berasuransi – 16 Oktober 2018
Sehat berasuransi Car Free Day – 21 Oktober 2018
Driver Online Berasuransi - acara PESTA KAPTEN 2018 6 Oktober 2018
Inklusi Keuangan
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22
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Inklusi Keuangan Pendidikan & Pelatihan Kampung Siaga
Bencana
23
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Interim Payment Klaim Gempa Bumi Palu kepada Hotel Mercure Palu
Pembayaran Klaim
24
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Ulang Tahun asuransiBintang
25
Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang
Peresmian Gedung Baru Cabang Surabaya
26
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Confidential, unpublished property of Bintang. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. (c) Copyright 2018 by Asuransi Bintang 27