Page 119 - AR Asuransi Bintang 2022

Biaya Operasional
Dalam menunjang kegiatan operasional, Perseroan membukukan beban operasional selama tahun 2022 sebesar Rp129,7 miliar, turun sebesar Rp19,5 miliar atau 13,16% dibandingkan tahun 2021. Beban pegawai naik sebesar Rp1miliar atau 1,74%, hal ini terkait kebijakan pemerintah daerah yang menaikan UMR sehingga biaya kepegawaian Perusahaan menerapkan kebijakan sistem remunerasi berdasarkan aturan yang ada tiap bulannya. Penurunan biaya terjadi pada beban pemasaran sebesar 27,6%. Penurunan pada beban pemasaran tersebut dipengaruhi pada beban usaha promosi yang sejalan dengan penurunan produksi premi di tahun 2022 ini
Operating Cost
In supporting operational activities, the Company recorded operating expenses in 2022 of IDR 129.7 billion, a decrease of IDR 19.5 billion or 13.16% compared to 2021. Personnel expenses increased by IDR 1 billion or 1.74%, due to the local government policies to increase the Regional minimum Wage that caused the company to implement a monthly remuneration system policy based on the existing rules. The decrease in costs occurred in marketing expenses by 27.6% due to the promotion business expenses which is in line with the decrease in premium production in 2022.
Keterangan
Description
Beban Pemasaran
Marketing Expenses
Beban Pegawai
Employee Expenses
Beban Umum
General Expenses
Beban Administrasi
Administration Expenses
Beban Penyusutan
Depreciation Expenses
Jumlah
Total
Keterangan | Note:
*Dalam jutaan rupiah | In million rupiah
Laba Usaha & Laba Bersih
43,615
65,197
3,219
12,737
4,943
129,727
33.64%
50.25%
2.48%
9.81%
3.81%
100.00%
2022 Rp/IDR %
2021 Rp/IDR
60,308
64,080
4,481
13,894
6,560
149,324
%
40.39%
42.91%
3.00%
9.30%
4.39%
100.00%
2020 Rp/IDR
53,926
67,455
3,002
11,811
8,451
144,645
%
37.28%
46.63%
2.08%
8.17%
5.84%
100%
Atas kinerja Perusahaan selama tahun 2022 diatas, Perusahaan membukukan laba usaha sebesar Rp3.2miliar, kontraksi sebesar Rp7.8miliar atau 71% dibandingkan tahun 2021. Setelah pendapatan lain- lain serta beban pajak, Perusahaan membukukan laba bersih sebesar Rp.5.1miliar. Laba tersebut mengalami kontraksi sebesar Rp11.3miliar atau 68% dibandingkan tahun 2021. Kontraksi laba bersih ini terutama disebabkan penurunan hasil investasi bersih sebagaimana yang dijelaskan sebelumnya. Sementara itu laba komprehensif Perusahaan sebesar Rp15.6miliar turun Rp30miliar atau 65% dibandingkan tahun 2021 dengan laba yang distribusikan kepada pemilik entitas pengendali dan non pengendali sesuai tabel berikut.
Summarizing the Company’s aforementioned performance in 2022, the Company posted an operating profit of IDR 3.2 billion, contracted by IDR 7.8 billion or 71% compared to 2021. After other income and tax expenses, the Company posted a net profit of IDR 5.1 billion, contracted by IDR 11.3 billion or 68% compared to 2021. This contraction was mainly due to the lower net investment results as previously explained. Meanwhile, the Company’s comprehensive profit was recorded at IDR 15.6 billion, decreased by IDR 30 billion or 65% compared to 2021, with profits distributed to owners of controlling and non-controlling entities according to the following table.
Operating & Net Profit
Laporan Tahunan 2022 Annual Report 117
PT Asuransi Bintang Tbk