annual report 2012 - PT. Jasa Raharja

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IKHTISAR KINERJA KEUANGANFINANCIAL PERFORMANCE SUMMARYA. LAPORAN POSISI KEUANGAN KONSOLIDASIANCONSOLIDATED FINANCIAL POSITION REPORTRata-ratapertumbuhan asetselama lima tahunterakhir28,82%Average assetgrowth over thelast five years(dalam juta rupiah)(in million rupiah)Uraian 2008 2009 2010 2011 2012 DescriptionAset AssetKas & Bank 132.832 136.292 112.560 99.865 115.533 Cash & BankInvestasi 2.618.234 3.824.066 4.939.540 5.935.930 7.166.498 InvestmentAset Lancar & Aset Lainnya 88.928 122.837 304.062 382.002 472.035 Current Assets and OtherAssetsAset Tetap & Tidak Berwujud 181.834 207.031 313.894 386.555 487.468 Fixed and Intangible AssetsJumlah Aset 3.021.828 4.290.226 5.670.056 6.804.352 8.241.534 Total AssetsLiabilitas & Ekuitas Liability & EquityUtang Lancar 244.606 227.381 314.415 275.950 335.872 Current debtCadangan Teknis 1.102.481 1.427.118 1.693.155 2.049.406 2.380.981 Technical reservesLiabilitas Jangka Panjang 6.106 36.240 51.996 52.560 56.564 Long-Term LiabilitiesEkuitas Pengendali 1.588.278 2.543.096 3.544.085 4.402.383 5.439.999 Controlling InterestEkuitas Non Pengendali 80.357 56.391 66.405 24.053 28.118 Non-Controlling InterestsJumlah Liabilitas & Ekuitas 3.021.828 4.290.226 5.670.056 6.804.352 8.241.534 Total Liabilities & Equity29
IKHTISAR KINERJA KEUANGANFINANCIAL PERFOMANCE OVERVIEWGrafik Perkembangan Aset 2008-2012Assets Development Graph Year 2008-20128,241,5346,804,3625,505,4724,290,2263,021,828Grafik Perkembangan AsetGraphic of Asset Development2008 2009 2010 2011 2012B. LAPORAN LABA RUGI KONSOLIDASIANCONSOLIDATED INCOME STATEMENT(dalam juta rupiah)(in million rupiah)Laba Rugi 2008 2009 2010 2011 2012 profit and lossPremi Bruto 2.542.124 3.004.784 3.282.479 3.643.407 3.978.800 Gross premiumsPremi Reasuransi (192.562) (167.354) (189.830) (212.919) (254.037) Reinsurance premiumsKenaikan Cadangan premi (354.810) (190.755) (105.490) (263.021) (149.688) Reserves rise in premiumsPremi Neto 1.994.752 2.646.675 2.987.159 3.167.467 3.575.076 Net premiumsKlaim Bruto 1.169.959. 1.590.617 1.695.998 1.702.934 1.658.268 Gross claimsKlaim Reasuransi (34.514) (49.651) (70.341) (74.174) (66.450) Reinsurance claimsKenaikan Cadangan Klaim 75.336 134.155 56.548 25.595 30.640 Increase in Claims ReservesBeban Operasional & UnderwritingRata-ratapertumbuhan LabaBersih selama limatahun terakhir64.52%Average assetgrowth over thelast five years359.418 375.831 380.435 491.043 554.327 Operating Expenses &UnderwritingHasil Investasi 21.576 436.444 417.027 530.439 600.697 Investment results30
Page 1 and 2: annual report 2012Discousure in pro
Page 3 and 4: DAFTAR ISITABLE OF CONTENTSDaftar I
Page 5 and 6: LAPORAN DEWAN KOMISARISREPORTS FROM
Page 15 and 16: LAPORAN DIREKSIREPORTS FROM BOARD O
Page 29: Ikhtisar Kinerja Keuangan dan Opera
Page 33 and 34: IKHTISAR KINERJA KEUANGANFINANCIAL
Page 35 and 36: IKHTISAR KINERJA KEUANGANFINANCIAL
Page 37 and 38: IKHTISAR KINERJA OPERASIONALOPERATI
Page 43 and 44: IKHTISAR KINERJA LAINNYAIKHTISAR KI
Page 50 and 51: Bab 2SekilasJasa RaharjaJasa Raharj
Page 52 and 53: 1. PROFIL PT JASA RAHARJA (PERSERO)
Page 54 and 55: VISI, MISI, BUDAYA PERUSAHAAN DAN P
Page 56 and 57: Proaktif Insan Jasa Raharja selalu
Page 58 and 59: 1981 2008Perubahan menjadi PT(Perse
Page 60 and 61: Undang-Undang tersebut, Pemerintah
Page 62 and 63: PROFIL DEWAN KOMISARISPROFILE BOARD
Page 64 and 65: Diangkat berdasarkan Keputusan Ment
Page 66 and 67: DEWAN KOMSARIS TAHUN 2013PROFILE BO
Page 68 and 69: Diangkat berdasarkan Keputusan Ment
Page 70 and 71: Berdasarkan Keputusan Menteri Negar
Page 72 and 73: DIREKSI TAHUN 2012PROFILE BOARD OF
Page 74 and 75: Diangkat Berdasarkan Keputusan Ment
Page 76 and 77: Diangkat Berdasarkan Keputusan Ment
Page 78 and 79: DIREKSI TAHUN 2013PROFILE BOARD OF
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Diangkat berdasarkan Keputusan Ment
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Diangkat Berdasarkan Keputusan Ment
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6. PERISTIWA PENTINGEVENTSADirektur
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FDirektur Utama Jasa Raharja Diding
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7. AKUNTAN PERSEROANAudit atas Lapo
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9. STRUKTUR ORGANISASI 2012ORGANIZA
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Berkembang atas dasar kepuasan nasa
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C. PEMEGANG SAHAMSHAREHOLDERSNoKete
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H. LABA SETELAH PAJAKPROFIT AFTER T
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Bab 3TinjauanUmumPerusahaanCompanyO
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TINJAUAN UMUM PERUSAHAANCOMPANY OVE
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Skema hubungan Pertumbuhan Ekonomi
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jaminan kecelakaan kerja, jaminan h
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kapal serta sekaligus menambah pert
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c. Dalam UU No. 2 Tahun 1992 mengat
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a. Ketentuan Pengutipan Underwritin
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Perusahaan selambatlambatnyatanggal
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2. Santunan Pertanggungan WajibKece
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tidak ada maka santunandiberikan pa
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diwajibkan membayar sumbanganwajib
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Dana Kecelakaan LalulintasJalan (SW
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2. Jika janda/duda yang sahtidak ad
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pencari nafkah dalam keluarga danme
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dan terpadu, Perusahaanberhasil men
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4. Meminimalisir perbedaandata pada
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g. Menyediakan telepon bebas pulsad
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. Memberikan pendidikan khusus bagi
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Wilayah KerjaRegionCabangBranchPerw
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Orientasi dasar kedua, adalah menga
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c. Potensi Pasar Kendaraan Bermotor
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2. Kebijakan uang muka minimal yang
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Konsistensi Penerapan GCGGCG Implem
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. Penguatan kondisi internalPola ke
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sungguh dan evaluasi kebijakan seca
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memberikan dampak yang signifikante
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Bab 4AnalisisPembahasanDan Manajeme
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1. ANALISIS KINERJA KEUANGANFINANCI
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(dalam juta rupiah)No Uraian 2011RK
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(dalam juta rupiah)No Uraian 20111.
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(dalam juta rupiah)No Uraian 2008 2
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Grafik Pendapatan Underwriting Peri
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Grafik Laba Rugi Komprehensif Perio
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4. Analisis Pertumbuhan Arus KasCas
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C. KEMAMPUAN MEMBAYAR UTANG DANKOLE
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D. KEBIJAKAN DAN STRUKTUR PERUBAHAN
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E. IKATAN INVESTASI BARANG MODAL YA
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F. INFORMASI DAN FAKTA MATERIAL YAN
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c. Kedua entitas tersebut adalah ve
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f. PSAK No. 26 (Revisi 2011) Biaya
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oleh Dewan SAK- IAI terkait denga p
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ANALISIS KINERJA OPERASIONALANALISI
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218LAPORAN TAHUNAN 2012ANNUAL REPOR
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Tata Kelola PerusahaanGood Corporat
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TATA KELOLA PERUSAHAANCORPORATE GOV
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Tinjauan Pendukung Fungsi Tata Kelo
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TINJAUAN PENDUKUNG FUNGSI TATA KELO
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432LAPORAN TAHUNAN 2012ANNUAL REPOR
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434INFORMASI KEUANGANFINANCIAL INFO
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INFORMASI KEUANGANFINANCIAL INFORMA
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LAMPIRANAPPENDIXRINGKASAN LAPORAN K
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LAMPIRANAPPENDIXDAFTAR ASET TETAP I
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PT JASA RAHARJA (PERSASETPER 31 DES
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LAMPIRANAPPENDIXPERHITUNGAN PPh. BA
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LAMPIRANAPPENDIXPERHITUNGAN ASET /
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LAMPIRANAPPENDIXPERHITUNGAN ASET /
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LAMPIRANAPPENDIXPERHITUNGAN HASIL U
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LAMPIRANAPPENDIXPERHITUNGAN BATAS T
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Halaman ini sengaja dikosongkanThis
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Nama dan alamat kantor pusatcabang
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NAMA DAN ALAMAT KANTOR PUSAT, CABAN
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Halaman ini sengaja dikosongkanThis
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