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Advancing Para Pembaca Terhormat, Dear Reader, Industri asuransi terus berubah dari waktu ke waktu, yang Today to berpusat pada perilaku nasabah yang berubah dengan cepat. Di Allianz Indonesia, kami berupaya untuk memanfaatkan Accelerate segala kemajuan di hari ini untuk memperkuat keunggulan kompetitif kami, dan yang terpenting, memberikan layanan Growth terbaik untuk nasabah kami. Insurance industry is changing from time to time, which centered from the rapidly changing customer's behavior. In Allianz Indonesia, we strive to take the best out of today's advancement to strengthen our competitive advantages, and more importantly, to provide excellent service to our customers. Allianz Indonesia Laporan Tahunan 2014 2014 Annual Report Laporan Tahunan 2014 Allianz Indonesia dapat diunduh di www.allianz.co.id www.allianz.co.id 1 Tinjauan Global | Worldwide Overrview 2 2 Allianz Indonesia | Allianz Indonesia 3 Laporan Manajemen | Management Report 4 Daftar Alamat | Address List Didukung oleh Allianz Indonesia Sebagai Allianz Indonesia kami... Supported by merupakan bagian dari komunitas keuangan terkuat di dunia, dengan melayani karyawan 1,317 employees 85 JUTA nasabah di 70 NEGARA. terdiri dari dua perusahaan asuransi yang menawarkan solusi lengkap bagi Hadir di PT Asuransi Allianz Life Indonesia masyarakat Indonesia, mulai dari asuransi umum, asuransi jiwa, asuransi kesehatan, Presence in PT Asuransi Allianz Utama Indonesia asuransi syariah, asuransi mikro hingga dana pensiun. kota 54 cities Allianz Tower melayani lebih dari 3,9 JUTA jiwa yang terdiri dari keluarga pra sejahtera melalui Jl. HR. Rasuna Said asuransi mikro. Kawasan Kuningan Persada Super Blok 2 Jakarta 12980 Jumlah Kantor Total Office Corporate Phone : +6221-2926 8888 menempati urutan ke-2 di industri asuransi jiwa. Fax : +6221-2926 8080 (Allianz Life) +6221-2926 9090 (Allianz Utama) kantor naik 11 peringkat ke urutan ke-12 di industri asuransi umum. >100 offices Email : [email protected] (Allianz Life) [email protected] (Allianz Utama) www.allianz.co.id As Allianz Indonesia we.. Didukung oleh jurnal.allianz.co.id Supported by are part of the strongest financial community in the world, servicing 85 MILLION agen yang investment.allianz.co.id customers in 70 COUNTRIES. tersertifikasi certified 16,000 agents consist of two insurance companies that offer complete solution for Indonesian Facebook Allianz Indonesia Community people, from general insurance, life insurance, health insurance, sharia insurance, Twitter @AllianzID microinsurance, to pension funds. Melindungi Protecting are serving more than 3,9 MILLION people of low income families with our micro- tertanggung insurance. 6,023,444 insured are ranked second in life insurance industry. are up 11 positions to the 12th rank in general insurance industry. 1 Tinjauan Global | Worldwide Overrview 1 2 Allianz Indonesia | Allianz Indonesia 3 Laporan Manajemen | Management Report 4 Daftar Alamat | Address List Daftar isi Table of Content 1 Tinjauan Global Worldwide Overview 1.1 Allianz Global 02 Allianz Global 1.2 Jejak Langkah 06 Milestones 2 Allianz Indonesia Bahasan Penting Allianz Indonesia Essential Read 2.1 Ikhtisar Keuangan 14 Financial Highlights 2.2 Tentang Allianz Indonesia 18 About Allianz Indonesia 2.3 Produk dan Layanan 22 Products and Services 2.4 Jejak Langkah 38 Milestones 2.5 Peristiwa Penting Tahun 2014 40 2014 Significant Events 2.6 Penghargaan 42 Awards 02 Tinjauan Global Worldwide Overview 3 Laporan Manajemen Management Report 3.1 Laporan Direksi PT Asuransi Allianz Life 46 Indonesia Report from the Board of Directors of PT Asuransi Allianz Life Indonesia 3.2 Laporan Direksi PT Asuransi Allianz 51 Utama Indonesia Report from the Board of Directors of PT Asuransi Allianz Utama Indonesia 22 Produk dan Layanan 3.3 Pembahasan dan Analisa Manajemen 64 Products and Services Management Discussion and Analysis 3.4 Tata Kelola Perusahaan yang Baik 86 Good Corporate Governance 3.5 Tanggung Jawab Sosial Perusahaan 100 Corporate Social Responsibility 4 Daftar Alamat Address List 4.1 Kantor Cabang dan Jaringan Pemasaran 108 Allianz Indonesia 46 Laporan Direksi Inter-branch and Marketing Network Report from the Board of Directors Allianz Indonesia 2 Annual Report | Laporan Tahunan Allianz Indonesia 2014 Tinjauan Global Worldwide Overview 1 Tinjauan Global | Worldwide Overrview 3 2 Allianz Indonesia | Allianz Indonesia 3 Laporan Manajemen | Management Report 4 Daftar Alamat | Address List Allianz adalah salah satu penyedia jasa asuransi dan Allianz is one of the largest global providers of insurance manajemen aset terbesar di dunia. Didirikan pada and asset management. Founded in 1890 in Germany, tahun 1890 di Jerman, Allianz adalah perusahaan Allianz is a company with a long history and a strong dengan sejarah yang panjang dan tradisi yang kuat. tradition. Allianz memberikan layanan layaknya seorang Allianz serves as an experienced worldwide navigator navigator bagi para nasabahnya di dalam dunia for its customers in a financial world full of opportunities keuangan yang penuh dengan peluang dan tantangan. and challenges. The size of our local and global business Portofolio bisnis lokal dan global memungkinkan portfolio makes it possible for us to quickly identify and kami untuk segera mengetahui dan mengelola tren manage risk trends. With a solid and proven business risiko. Dengan model bisnis yang solid dan terbukti model, we offer customers the security and the capital kekuatannya, kami menawarkan keamanan bagi strength of a strong and global financial community. nasabah dan kekuatan modal dari sebuah komunitas keuangan global. Dalam kehadiran Allianz selama 125 tahun, strategi In our 125 years of existence, Allianz's long-term bisnis jangka panjang kami telah melalui berbagai business strategy has endured economic, political krisis ekonomi, politik, dan keuangan. Kami berdiri and financial crises. We are standing strong, because kuat, karena fokus pada bisnis inti dan selalu we focus on our core business and always have our mengutamakan para pemangku kepentingan kami. stakeholders in mind. 4 Annual Report | Laporan Tahunan Allianz Indonesia 2014 “Allianz adalah perusahaan asuransi global terpercaya. Bermula dari perusahaan asuransi di Jerman, Allianz berkembang tidak hanya di Eropa, tetapi juga meluas hingga Asia Pasifik” "Allianz is a reliable global insurance player. Started as an insurance company in Germany, Allianz has been growing not only in Europe, but also in the Asia-Pacific" Allianz Group Allianz Group Berdiri di Jerman pada tahun 1890, Allianz Group Established in Germany in 1890, Allianz Group has memiliki pengalaman lebih dari 125 tahun pada more than 125 years of experience in the financial industri layanan keuangan. Allianz Group berkomitmen services industry. Allianz Group is committed to memberikan layanan keuangan menyeluruh yang provide broad-spectrum of financial services that mengutamakan kepuasan nasabah. emphasize on customer satisfaction. 1 Tinjauan Global | Worldwide Overrview 5 2 Allianz Indonesia | Allianz Indonesia 3 Laporan Manajemen | Management Report 4 Daftar Alamat | Address List Dengan dukungan dari nasabah dan mitra penjualan, With the support of customers and sales partners, as serta 147.000 karyawan di lebih dari 70 negara, well as 147,000 employees in more than 70 countries, Allianz adalah salah satu komunitas keuangan Allianz is one of the strongest financial institutions. terkuat. Melayani lebih dari 85 juta nasabah individu Servicing more than 85 million private and corporate dan korporasi, Allianz mengandalkan pengetahuan, customers, Allianz has relied on knowledge, global jangkauan global, kekuatan modal dan ke-solid-an reach, capital strength and solidity to help customers untuk membantu nasabah memanfaatkan peluang capitalize on financial opportunities and protect keuangan, serta kesiapan dalam menghadapi risiko. themselves against risks. Pada 2014, Allianz berhasil memperoleh total In 2014, Allianz earned a total revenue of 122.3 billion pendapatan sebesar 122,3 miliar euro dan laba euros and an operating profit of 10.4 billion euros as operasional sebesar 10,4 miliar euro serta manfaat well as provided its customers with benefits of 104.6 yang diterima oleh nasabah mencapai 104,6 billion euros. These remarkable financial achievements miliar euro. Kesuksesan bisnis di bidang asuransi, were the results of business success in the field of manajemen aset dan layanan yang dapat disesuaikan insurance, asset management and discretionary pada permintaan nasabah atas solusi keuangan yang services which are increasingly based on customers' tahan krisis untuk kalangan masyarakat yang menua demand for crisis-proof financial solutions for an dan tantangan dari perubahan iklim. Transparansi dan aging society and the challenges of climate change. integritas merupakan komponen kunci dari tata kelola Transparency and integrity are key components of yang berkelanjutan di Allianz. sustainable corporate governance at Allianz. Allianz di Asia Pasifik Allianz in Asia-Pacific Asia merupakan kawasan terbesar yang mendukung Asia is the largest region that supports the rapid pesatnya pertumbuhan Allianz di dunia. Allianz growth of Allianz in the world. Allianz has operated berada di kawasan Asia Pasifik sejak tahun 1910, in the Asia-Pacific region since 1910, namely in yakni di pesisir negara Tiongkok yang menyediakan coastal areas of China by providing fire and transport asuransi kebakaran dan asuransi jasa pengangkutan. services insurances. Currently, Allianz Asia-Pacific
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