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 rupiah In million rupiahs
Dalam jutaan rupiah In million rupiahs
TAHUN 2007 / year 2007 Premi Bruto gross premiums
Jenis Pertanggungan
Kebakaran Pengangkutan Rangka kapal Kendaraan Bermotor Rekayasa Aneka Surety Bond Jumlah
26,827 9,649 839 4,915 990 20,627 959 64,806
TAHUN 2008 / year 2008
Klaim Bruto gross claims
36,909 341 593 2,505 1,121 1,330 42,799
Class of Business
Jenis Pertanggungan
Fire Marine Cargo Marine Hull Motor Vehicle Engineering Miscellaneous Surety Bond Total
Kebakaran Pengangkutan Rangka kapal Kendaraan Bermotor Rekayasa Aneka Surety Bond Jumlah
Premi Bruto gross premiums
28,184 10,195 805 5,820 1,346 16,950 1,718 65,017
Klaim Bruto gross claims
15,738 583 406 2,909 1,046 6,417 27,099
Dalam jutaan rupiah In million rupiahs
Class of Business
Fire Marine Cargo Marine Hull Motor Vehicle Engineering Miscellaneous Surety Bond Total
Dalam jutaan rupiah In million rupiahs
Klaim Bruto / Gross Claims
Premi Bruto / Gross Premiums 40,000
40,000
35,000
35,000
30,000
30,000
25,000
25,000
20,000
20,000
15,000
15,000
10,000
10,000
5,000
5,000 0
0
2007
2008
Kebakaran Fire
Pengangkutan Marine Cargo
Rangka kapal Marine Hull
Rekayasa Engineering
Aneka Miscellaneous
Surety Bond Surety Bond
2007 Kendaraan Bermotor Motor Vehicle
2008
Kebakaran Fire
Pengangkutan Marine Cargo
Rangka kapal Marine Hull
Rekayasa Engineering
Aneka Miscellaneous
Surety Bond Surety Bond
InfoBank Insurance Award dengan predikat SANGAT BAGUS atas Kinerja Keuangan tahun 2004, 2005, 2007
Kendaraan Bermotor Motor Vehicle
NERACA
LAPORAN LABA RUGI
BALANCE SHEETS
INCOME STATEMENT
Per 31 Desember 2008 dan 2007 (Audited) (Dalam jutaan Rupiah) As at December 31, 2008 and 2007 (Audited) (In Million Rupiahs)
Aktiva
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)
2008
ASSETS
2007
Investasi Kas Dan Bank Piutang Premi Piutang Reasuransi Piutang Lain - Lain Aktiva Tetap Setelah Dikurangi Akumulasi Penyusutan Aktiva Lain - Lain
21,263 2,772 13,463 13,916 194
20,357 3,041 13,937 15,073 263
Investments Cash and Banks Premium Receivables Reinsurance Receivables Other Accounts Receivables
6,334 1,665
5,950 1,189
Net Fixed Assets Other Assets
JUMLAH AKTIVA
59,606
59,810
TOTAL ASSETS
KEWAJIBAN DAN EKUITAS
1. Pendapatan Underwriting Pendapatan Premi Premi Bruto Premi Reasuransi
Hutang Klaim Estimasi Klaim Retensi Sendiri Premi Belum Merupakan Pendapatan Hutang Reasuransi Hutang Komisi Hutang Pajak Biaya Masih Harus Dibayar Pendapatan Premi Ditangguhkan Hutang Lain-Lain
1,926 2,227 10,836 4,239 1,753 506 733 4,325 399
2,531 2,695 10,855 4,588 2,788 436 1,097 4,640 524
Claims Payables Estimated Own Retention Claims Unearned Premium Reinsurance Payables Commissions Payables Taxes Payables Accrued Payables Deferred Premium Income Other Accounts Payables
Jumlah Kewajiban
26,944
30,154
Total Liabilities EQUITY Capital Stock - per Value of Rp. 500.000 per Share Authorized - 100.000 Shares Paid - up Capital Addition in Paid - up Capital Retained Earnings
65,017 (25,612)
64,806 (25,890)
19
(2,675)
(Increase) decrease In Unearned Premiums
Jumlah Pendapatan Premi
39,424
36,241
Total Premium Income
Jumlah Pendapatan Underwriting
39,424
36,241
Total Underwriting Revenues
27,099 (15,013)
42,798 (34,960)
2. Underwriting Expenses Claim Expenses Gross Claims Reinsurance Claims
(468)
45
Increase (decrease) In Estimated Own Retention Claims
11,618
7,883
Total Claims Expenses
7,264
6,544
Net Commission Expenses
2,807
4,397
Other Underwriting Expenses
21,689
18,824
Total Underwriting Expenses
17,735
17,417
3. Underwriting Income
1,151
999
4. Investment Income
(16,399)
(15,144)
5. Operating Expenses
2,487
3,272
6. Income From Operations
2. Beban Underwriting Beban Klaim Klaim Bruto Klaim Reasuransi
LIABILITIES
KEWAJIBAN
Description
2007
1. Underwriting Revenue Premium Income Gross Premiums Reinsurance Premiums
(Kenaikan) Penurunan Premi Belum Merupakan Pendapatan
LIABILITIES AND EQUITY
2007
2008
2008
Uraian
Kenaikan (penurunan) Estimasi Klaim Retensi Sendiri Jumlah Beban Klaim Beban Komisi Neto Beban Underwriting Lain Jumlah Beban Underwriting 3. Hasil Underwriting
EKUITAS : Modal Saham - Nilai Nominal Rp. 500.000 per Saham Modal Dasar -100.000 Saham Modal Disetor Tambahan Modal Disetor Saldo Laba
26,930 2,044 3,688
26,930 2,726
Jumlah Ekuitas
32,662
29,656
Total Equity
7. Penghasilan Lain-lain
653
427
7. Other Income
59,810
TOTAL LIABILITIES AND EQUITY
8. Laba Sebelum Pajak
3,139
3,699
8. Income Before Tax
9. Beban Pajak
(916)
(1,081)
9. Tax Expenses
10. Laba Bersih
2,223
2,618
10. Net Income
JUMLAH KEWAJIBAN DAN EKUITAS
59,606
4. Hasil Investasi 5. Beban Usaha 6. Laba Usaha
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 “Unqualified Opinion”
INDIKATOR USAHA 2004 - 2008 / Business indicator 2004 - 2008 Dalam Jutaan Rupiah in million rupiahs
Dalam Jutaan Rupiah in million rupiahs
Keterangan
2004
2005
2006
2007
2008
Description
Jumlah Aktiva Modal Sendiri Premi Bruto Klaim Bruto
48,701 22,136 50,005 24,108
53,939 23,256 59,377 22,178
56,485 29,316 53,014 26,420
59,810 29,656 64,806 42,798
59,606 32,662 65,017 27,099
Total Assets Total Equity Gross Premiums Gross Claims
100 90 80 70 60 50 40 30 20 10 0
2004 Jumlah Aktiva Total Assets
2005 Modal Sendiri Total Equity
2006
2007
Premi Bruto Gross Premiums
2008 Klaim Bruto Gross Claims
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
PERUSAHAAN THE COMPANY PT. STACO JASAPRATAMA Didirikan l0 Februari 1990 Established on February 10th, 1990 VISI / Vision Menjadi perusahaan asuransi umum yang profesional, inovatif, efisien dan tumbuh seiring dengan kesempatan yang terbuka serta diperhitungkan dalam industri, sesuai dengan kelasnya. Becoming a professional, innovative and efficient general insurance company that grows proportionally to the open market and to be known in the industry according to 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 Commissioner DEWAN DIREKSI / Board of Directors ■ Ruhari : Direktur Utama / President Director ■ Wahyoe Santoso : DirekturTehnik / Technical Director ■ Rubiyanto : Direktur Pemasaran / Marketing Director AKUNTAN / Auditors Paul Hadiwinata, Hidajat, Arsono & Rekan (Member of PKF International) Jl. Barito 2 No. 31 Kebayoran Baru Jakarta Selatan 12130 PO Box 4343 Jakarta 12043 Indonesia Telp. +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 PUSAT HEAD OFFICE
KANTOR CABANG BRANCH 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
SURABAYA
Komplek Ruko Grand Flower Blok B. 21 Jl. Pasar Kembang No. 4 - 6 Surabaya 60263 Telp. : (031) 545 3874, 545 3807 Fax. : (031) 535 7724
MEDAN
Jl. Kepribadian No.6, Medan 20112 Telp. : (061) 457 5069 Fax : (061) 453 0589 E-mail:
[email protected]
PEKANBARU
Perkantoran Grand Sudirman Blok D No. I, Jl. Datuk Setia Maharaja Pekanbaru-Riau Telp. : (0761) 32326, 37287 Fax : (0761) 32326 E-mail:
[email protected]
BANDUNG
Jl. Cihampelas No. 56 B, Bandung 40131 Telp. : (022) 420 2356, 707 22435, 420 7090 Fax : (022) 420 2356 E-mail:
[email protected]
SEMARANG
Jl. Cendrawasih No. 17 E Semarang Telp. : (024) 358 0337 Fax : (024) 355 0537 E-mail:
[email protected]
SYARl’AH
WismaTugu 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]
PALEMBANG KANTOR PERWAKILAN REPRESENTATIVE OFFICES JI. Dr. M. Isa No.6 B, Palembang Telp/Fax: (07ll) 730 07ll E-mail:
[email protected]
MAKASSAR
Jl. Gunung Salahutu No. 10, Makassar Telp: (0411) 504 4435, Fax: (0411) 321 337 E-mail:
[email protected]
BANDAR LAMPUNG
Jl. Cut Mutiah No. 3A, Bandar Lampung 36214 Telp/Fax: (072l) 484 569 E-mail:
[email protected]
BALI
Ruko Graha Merdeka unit B, Jl. Merdeka,Tanjung Bungkak, Denpasar-Bali Telp/Fax: (036l) 236 079 E-mail:
[email protected]
