Page 109 - asuransi bintang annual report flipbook 2023

Produksi Premi Berdasarkan Jalur Distribusi Premiums Issuance based on Distribution Channel Jalur Distribusi Distribution Channel Agen Agents 2023 2022 2021 110.140 28.969 195.770 66.288 68.299 6.192 1.525 - Analisa & Pembahasan Manajemen Management Analysis & Discussion Premi % 18,26% 7,53% 39,40% 14,37% 18,62% 1,59% 0,20% 0,03% Premi % 23,08% 6,07% 41,03% 13,89% 14,31% 1,30% 0,32% - 83.872 Bank 34.562 Broker 180.933 Direct 65.978 Leasing 85.515 Telemarketing 7.303 Digital 902 Unit Link (*Dalam jutaan rupiah | *In million rupiah) TINJAUAN KEUANGAN Premi Bruto Ditahun 2023 Perseroan berhasil membukukan premi sebesar Rp378,3 miliar, produksi premi tersebut terkontraksi sebesar Rp80,9 miliar atau 17,6% dibandingkan tahun 2022 dan juga pendapatan premi bersih terkontraksi sebesar Rp36,9 miliar atau 16,5% dibanding tahun 2022. Produksi premi ini terkontraksi dikontribusi oleh penurunan premi di jenis asuransi harta benda sebesar Rp13 juta atau 0.01%, jenis asuransi kendaraan bermotor sebesar Rp29,1 miliar atau 48,5%, jenis asuransi rangka kapal sebesar Rp45,8 miliar atau 54.9%, serta jenis Asuransi aneka sebesar Rp11.5 miliar atau 15,1%. Sementara pertumbuhan terjadi pada jenis Asuransi pengangkutan sebesar Rp4,1 miliar atau 19,8%, jenis Asuransi rekayasa 1,2 miliar atau 9,7%, serta Unit link sebesar 218,8 juta atau 143%. 153 Premi % 67.351 17,80% 26.183 6,92% 153.719 40,64% 65.889 17,42% 55.591 14,70% 7.024 372 1,86% 2.152 0,57% 0,10% Jumlah Total 378.281 100,00% 459.218 100,00% 477.183 100,00% 2023 Laporan Tahunan PT Asuransi Bintang Tbk 107 FINANCIAL REVIEW Gross Premium In 2023, the Company successfully recorded premiums amounting to Rp378.3 billion. This premium production contracted by Rp80.9 billion or 17.6% compared to 2022, while net premium revenue also experienced a contraction of Rp36.9 billion or 16.5% compared to the previous year. The contraction in premium production was attributed to a decrease in premiums across various insurance categories: property insurance by Rp13 million or 0.01%, motor vehicle insurance by Rp29.1 billion or 48.5%, vessel hull insurance by Rp45.8 billion or 54.9%, and miscellaneous insurance by Rp11.5 billion or 15.1%. However, growth was observed in transportation insurance by Rp4.1 billion or 19.8%, engineering insurance by Rp1.2 billion or 9.7%, and unit-linked insurance by Rp218.8 million or 143%. Annual Report