Page 390 - AR Asuransi Bintang 2022

PT ASURANSI BINTANG Tbk
DAN ENTITAS ANAK
Catatan atas Laporan Keuangan Konsolidasian Untuk Tahun-tahun yang Berakhir
31 Desember 2022 dan 2021
(Angka-angka Disajikan dalam Ribuan Rupiah, kecuali Dinyatakan Lain)
Perhitungan Batas Tingkat Solvabilitas - Induk Perusahaan
2022
Tingkat Solvabilitas
Aset yang diperkenankan 782.665.453 Kewajiban 631.089.226
Jumlah Tingkat Solvabilitas 151.576.227
Modal Minimum Berbasis Risiko
Risiko Kegagalan Debitur 7.385.774 Risiko Kegagalan Reasuradur 10.150.976
Jumlah Risiko Kredit 17.536.750
Risiko Likuiditas 3.488.669 Risiko Pasar
Risiko Perubahan Harga Pasar 40.847.660 Risiko Perubahan Nilai Tukar
Mata Uang Asing 203.956 Jumlah Risiko Pasar 41.051.616
Risiko Asuransi 41.454.649 Risiko Operasional 855.233
Jumlah MMBR 104.386.917
Kelebihan (Kekurangan)
Batas Tingkat Solvabilitas 47.189.309
Rasio Pencapaian Solvabilitas 145,21%
b. Rasio Keuangan
Rasio investasi terhadap cadangan teknis dan hutang klaim retensi sendiri
Rasio premi neto terhadap premi bruto Rasio premi neto terhadap modal sendiri Rasio beban pendidikan dan pelatihan
terhadap biaya pegawai dan pengurus
Rasio keuangan Perusahaan tahun 2022 dan 2021 dihitung sesuai dengan Peraturan Otoritas Jasa Keuangan No. 71/POJK.05/2016.
PT ASURANSI BINTANG Tbk AND ITS SUBSIDIARY Notes to Consolidated Financial Statements For the Years Ended December 31, 2022 and 2021 (Figures are Presented in Thousands of Rupiah, unless Otherwise Stated)
Solvency Margin Calculation - Parent Company 2021
784.132.492 613.112.114
171.020.378
10.260.740 8.200.926
18.461.666 4.550.432
47.292.218
210.187 47.502.405
45.908.532 889.937
117.312.973
53.707.405 145,78%
Solvency Margin Admitted assets Liabilities
Total Solvency Margin
Risk-Based Minimum Capital Risks of Debtor Failure Risks of Reinsurance Failure
Total Debt Risk
Liquidity Risk Market Risk
Market Price Risk Changes
Foreign Exchange Rate Total Market Risk
Insurance Risk Operational Risk
Total Risk-Based Minimum Capital
Excess of Solvency Margin Solvency Ratio Attained
2022 %%
150,33 50,73 47,73
1,66
b.
Financial Ratios
2021
- 97 -
Investments ratio to technical reserve 145,78 and own retention claims
43,04 Net premiums to gross premiums ratio 56,4 Net premiums to equity ratio
Training and education expense to 0,47 personnel expense ratio
The Company’s financial ratios in 2022 and 2021 are calculated based on the Regulation of Financial Service Authority No. 71/POJK.05/2016.