chairman and director statements

�������������������
�������������������
Fire claim
payment in
Pontianak
Social activity in
visiting Dengue
patients in
hospital
Payment
claim to the
victim’s family
of Mandala
Airlines
accident
�
�
� � � � � � � � � � � � � � �� �
� � � �� � � � � � � �� � � � � �
Car Insurance claim
payment to PT Multi
Auto Intra Wahana
Liquid
Intravenous
donation to
RSUD Tarakan for
Dengue patients
Payment
claim for Car
Insurance
Health Insurance Seminar to
improve work productivity at
Four Seasons Hotel
Fire claim payment
to PT DSN Gresik
2000
500
1500
400
1000
300
200
500
0
100
0
1,575
���
Nationwide offices with 24 branch offices, 46
representative offices, 4 agency offices and 1 Syariah
office in Jakarta. Resulting in high premium production
with more than 700,000 policies issued in 2005.
���
�����
As the second largest insurance company in terms of
gross written premium in 2004, PT Asuransi Sinar Mas
has a strong brand-recognition in Indonesia.
���
��������������������������������
Network
and Relationships
Maintaining a good relationship and cooperation with
more than 1,850 merchants and many other business
partners is one of the important things to success.
���� ���� ���� ���� ����
���������������������
����������������������
Getting to know its customers better allows PT Asuransi
Sinar Mas to give the best service for them.
Employing 1,006 manpower nationwide.
�
���
���� ���� ���� ���� ����
������������
368
314
252
����������������������
199
Ability to utilize vast resources to promote greater
operational efficiency with lower fixed cost.
168
Economies of
Scale
���
���
929
Providing a wide range of insurance products for
individual and corporate customers; Fire, Motor Vehicle,
Marine Cargo, Marine Hull, Engineering, Health and
Miscellaneous.
���
Wide Range
���� ���� ���� ���� ����
��������������������������
����������������������
� � � �� � � � � � � �� � � � � �
� � � � � � � � � � � � � � �� �
�
��������������������������������
Esteemed customers, agents, and business
associates, on behalf of the Board of
Commissioners it is our pleasure to present the
Annual Report of PT Asuransi Sinar Mas for the
year ended 31 December 2005.
Doddy Susanto
Commissioner
Ivena Widjaja
President Commissioner
Henry C. Suryanaga
Commissioner
Kokarjadi Chandra
Commissioner
Gandhi Sulistiyanto S.
Commissioner
Hotbonar Sinaga
Independent Commissioner
The soaring world oil-price and the global
monetary tightening policy led to the
depreciation of Rupiah and sharp increase in
inflation. At the end of the year, Rupiah closed at
Rp 9.831 per US$ 1 and inflation was recorded
at 17.11% year on year.
In this challenging environment, The Company
experienced a small decline in gross written
premium of 6.64% to Rp 1,573.3 billion (2004
– Rp 1,687.3 billion). Yet, The Company was still
able to register an increase of Net Premiums
Earned by 36.76% to Rp 391.4 billion (2004 Rp 286.2 billion). The increase in Net Premium
is due to the decrease of Reinsurance Premium
of 16.94% to Rp 976 billion (2004 – Rp
1,175.0 billion) and Net Commission Expense
by 15.22% to Rp 161.5 billion (2004 – Rp 45.9
billion). Furthermore, Investment has increased
by 15.03% to Rp 52.8 billion (2004 - Rp 45.9
billion). As a result, The Company’s Total Assets
increased by 29.54% to Rp 928.9 billion
(2004 – Rp 717.1 billion).
Fire business continues to be the dominant
class, with a share of 60.50% of the Total
Gross Premium income. Motor Vehicle, Health,
Marine Cargo, Miscellaneous, Marine Hull and
Engineering accounts for 15.90%, 12.30%,
4.09%, 3.45%, 3.04% and 0.71% respectively.
��
� � � �� � � � � � � �� � � � � �
� � � � � � � � � � � � � � �� �
��
Overall, the Indonesian economy in 2005 faced
tough challenges stemming from the sharp rise
in oil prices and the global monetary tightening
policy. Investment was slow, due to escalating
production costs and the delay in various reforms
in investment and infrastructure development.
Moreover, the weakening of public purchasing
power and the rapid increase in interest rates
caused public consumption to decline sharply.
Although Indonesia realized lower exports due to
global economic downturn, the Central Bureau
of Statistics recorded an economic growth of
5.60% for the year.
Fire business premium decreased by 7.95% to
Rp 953.1 billion (2004 - Rp 1,035.4 billion), Motor
Vehicle Premiums decreased by 30.60% to
Rp 250.4 billion (2004 – Rp 360.8 billion) and
Marine Cargo decrease by 5.29% to Rp 64.4
billion (2004 – Rp 68.0 billion). As for premiums
in other lines of businesses; Health increased by
30.00% to Rp 194.1 billion (2004 - Rp149.3
billion); Marine Hull increased by 60.20% to
Rp 47.9 billion (2004 - Rp 29.9 billion); Engineering
increased by 40.51% to Rp 11.1 billion (2004 Rp 7.9 billion); and Miscellaneous increased by
50.83% to Rp 54.3 billion (2004 - Rp 36.0
billion).
The Central Bank of Indonesia predicts that
Indonesian economy in 2006 will grow from 5.00%
to 5.70%. Up to the middle of 2006, consumption
and investment are predicted to remain slow along
with the decrease of public purchasing power caused
by a sharp increase in fuel price. On account of
the relatively high oil price, the economy will be
shadowed by high inflation with tendency to decline
after the third quarter of 2006. Alert should also be
put on the risks that may shake economic stability
due to global currency fluctuation and continuation
of high fuel price from previous year.
The Company is well aware of the challenges that lies
ahead and the increase of competition. Therefore,
The Company will continue to invest in the latest
technology to further support its business as well as
to improve its quality of services to its customers. To
meet the diverse and the increasing expectations of
our customers, We will continue to invest in human
resources to develop our employees and agency
force to their fullest potential in competency and
management skills.
In the year ahead, fixed income investments are
expected to be the core portfolio asset. However,
The Company will consistently review and revise
its strategies to take advantage and accommodate
changes in the economic and financial environment.
Lastly, based on our financial strengths, leading
market position and nation-wide network, We are
optimist in achieving better results in the years
ahead.
In closing, on behalf of the Board of Commissioners
and Board of Directors, We would like to thank the
management team and staff for their continuous
commitment, dedication and contribution to ensure
the continuous growth and success of The Company.
We would also like to take this opportunity to extend
our appreciation to our valued customers, agents,
and business associates for the valuable support and
trust they have placed in us for the last 20 years.
The Company has adopted the use of advanced
information technology, a crucial strategy to succeed.
Ivena Widjaja
(President Commissioner)
Indra Widjaja
(President Director)
��
� � � �� � � � � � � �� � � � � �
�������������������
� � � � � � � � � � � � � � �� �
Beyond the financial numbers, The Company
celebrated its twentieth-year anniversary in 2005.
On this anniversary the Company reaffirmed its
commitment in providing a wide range of quality
insurance products and services; opened new branch
offices and generated business expansion both in
retail and corporate markets.
The Company has implemented a Disaster Recovery
Concept that runs twenty four hours, thus securing
our data, maintaining our business continuity and
supporting the operations of our branch offices all
over Indonesia. Currently, we have utilized a webbased application to provide online services where
policies can be issued at any of our branch offices.
We have also implemented E-Claim to speed up
the claim process from 30 days down to 15 days.
Advance Information Technology is used in Business
Intelligence to make decision taking easier and to run
a B2B program with our business partners in order to
improve our relationship.
������������������������������
��
The improvement of investment income by 15.03%
was the result of stock and bond trading in 2005.
����������
���������
��
Asuransi Sinar Mas Launched
New Products and Services
On 24th March 2005 at Grand
Hyatt Hotel Jakarta, PT Asuransi
Sinar Mas launched Simas Sehat
Gold and Simas Mobil Eksklusif.
The Company also introduced
new services of M Simas and
Simas Card.
Simas Sehat Gold is a medicare
insurance that caters to the
individual customers, with
advantages such as low premiums
and with the option to pay
in instalments. Simas Mobil
Exclusive is a package of motor
vehicle insurance which provides
many coverages that make
customers feel comfortable
including Medical Expenses, Pick
Up and Delivery Service, Simas
Assistance, Authorized Service
Station, etc.
M Simas service provide customer
with easy access to get policy
information and claim status.
Meanwhile, Simas Card can be
used as an identity card and a
discount card in more than 300
merchants in all over Indonesia.
Blood Donation by PT Asuransi
Sinar Mas Staffs
On the day of its 20th anniversary
on 27th May 2005, PT Asuransi
Sinar Mas held a blood donation
activity. This activity was held with
cooperation with the Indonesian
Red Cross as part of “20 Tahun
Tumbuh dan Berkembang Bersama
ASM”. In its twentieth year,
PT Asuransi Sinar Mas commits
to always give the best to all of
its customers and to create new
products to fulfil insurance need
to all of Indonesian people.
Corporate Agreement Between
PT Asuransi Sinar Mas and
PT Bhakti Finance
On 8 June 2005, PT Asuransi
Sinar Mas and PT Bhakti Finance
signed a cooperation agreement
at Millenium Hotel, Jakarta. The
purpose of this cooperation is to
provide motor vehicle insurance
and electronic insurance for all
of PT Bhakti Finance’s customers
through a program named “Bang
Kredit” from Bhakti Finance.
� � � �� � � � � � � �� � � � � �
� � � � � � � � � � � � � � �� �
��
INDEPENDENT AUDITOR’S REPORT
Report No. 351/06-B1A
The Stockholders, Commissioners and Directors
PT ASURANSI SINAR MAS
We have audited the accompanying Consolidated Balance Sheets of PT Asuransi Sinar Mas and Subsidiary as of
December 31, 2005 and 2004, and the related Consolidated Statements of Income, Changes in Stockholders’ Equity, and
Cash Flows for the years then ended. These Consolidated Financial Statements are the responsibility of the Company’s
management. Our responsibility is to express an opinion on these Consolidated Financial Statements based on our
audits. We did not audit the Financial Statements of PT LG Insurance Indonesia, an associated company with 30 %
ownership interest which investment is presented using the Equity method. The total investment in shares of stock of PT
LG Insurance Indonesia represents 1.50 % and 1.90 % of the total consolidated assets as of December 31, 2005 and 2004,
respectively. The Company’s equity in net earnings of such Associated Company represents 0.87 % and 2.05 % of the net
consolidated income in 2005 and 2004, respectively. The Financial Statements of the associated company were audited
by other independent auditor whose report expressed an unqualified opinion on such statements. The report of the other
independent auditor has been furnished to us, and our opinion, insofar as it relates to the amounts of the investment in
shares of stock in such Associated Company, is based solely on the report of the other independent auditor.
��������� ������
We conducted our audits in accordance with auditing standards established by the Indonesian Institute of Accountants.
Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the Consolidated
Financial Statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting
the amounts and disclosures in the Consolidated Financial Statements. An audit also includes assessing the accounting
principles used and significant estimates made by management, as well as evaluating the overall Consolidated Financial
Statement presentation. We believe that our audits and the report of the other independent auditor provide a reasonable
basis for our opinion.
PT Asuransi Sinar Mas and Subsidiary
In our opinion, based on our audit and the report of the other independent auditor, the Consolidated Financial Statements
referred to above present fairly, in all material respects, the Financial Position of PT Asuransi Sinar Mas and Subsidiary
as of December 31, 2005 and 2004, and the Results of their Operations, Changes in their Stockholders’ Equity and their
Cash Flows for the years then ended, in conformity with generally accepted accounting principles applied in Indonesia.
JOHAN MALONDA ASTIKA & REKAN
Licence No. KEP-055/KM.5/2005
Drs Putu Astika
Public Accountant Licence No. 01.1.0763
March 15, 2006
Notice to Readers
The accompanying Consolidated Financial Statements are not intended to present the Financial Position, Results of Operations, Changes in Stockholders’ Equity and Cash
Flows in accordance with accounting principles and practices generally accepted in countries and jurisdictions other than Indonesia. The standards, procedures and practices
utilized to audit such Consolidated Financial Statements may differ from those generally accepted in countries and jurisdictions other than Indonesia. Accordingly, the
accompanying Consolidated Financial Statements and the auditor’s report thereon are not intended for use by those who are not informed about the Indonesian accounting
principles and auditing standards, and their application in practice.
��
� � � �� � � � � � � �� � � � � �
� � � � � � � � � � � � � � �� �
��
HEADQUARTER
Wisma Asuransi Sinar Mas
Jl. Fachrudin No. 18
Jakarta 10250, Indonesia
24 Hour Hotline (021) 392 0888
Office Hour Hotline (021) 625 7688
Telp. (021) 390 2141 (Hunting)
Faks. (021) 390 2159-60
E-mail: [email protected]
BRANCH OFFICES
Bandung
Wisma Ekalife
Jl. Abdul Rivai No. 2
Bandung 40171
Telp. (022) 420 7272, 420 1144
Faks. (022) 420 7211
E-mail: [email protected]
������ ������������
��������������������
�������������������
Bandar Lampung
Jl. Ahmad Yani No. 17C
Bandar Lampung 35116
Telp. (0721) 242 875 (Hunting)
Faks. (0721) 242 705
E-mail: [email protected]
���� � �� ����������
Banjarmasin
Jl. Jend. A. Yani Km. 3 No. 104 RT. 09
Banjarmasin 70234
Telp. (0511) 325 2852-4,
(0511) 325 2973, 325 2972
Faks. (0511) 325 2882
E-mail: [email protected]
Batam
Komp. Naga Sakti No. 2
Jl. Raden Patah, Batam 29444
Telp. (0778) 459 218 (Hunting)
(0778) 459 214, 455 517/465/489
Faks. (0778) 459 213
E-mail: [email protected]
Bekasi
Komp. Ruko Bekasi Mas
Jl. Ahmad Yani Blok C No. 4-5
Bekasi 17144
Telp. (021) 889 3228/9
Faks. (021) 884 0343
E-mail: [email protected]
Bogor
Jl. Raya Wangun No. 307, Tajur
Ciawi, Bogor 16710
Telp. (0251) 249 251
Faks. (0251) 249 353
E-mail: [email protected]
Palembang
Jl. Jend. Sudirman Km. 3,5; No. 2937 I-J
Palembang 30129
Telp. (0711) 316 966 (Hunting)
Faks. (0711) 313 559
E-mail: [email protected]
Denpasar
Komp. Graha Renon
Jl. Raya Puputan No. 20A-B
Denpasar 80000
Telp. (0361) 231 752 (Hotline) /3
Faks. (0361) 229 542
E-mail: [email protected]
Pekanbaru
Jl. Jend. Sudirman No. 97
Pekanbaru 28141
Telp. (0761) 322 82, 201 50
Faks. (0761) 336 05
E-mail: [email protected]
Jakarta Selatan
Komp. Perkantoran Kebayoran Mall
Jl. Kebayoran Baru No. 9-10, Mayestik
Jakarta Selatan 12120
Telp. (021) 720 5027, 739 2951
Faks. (021) 720 5031
E-mail: [email protected]
Jakarta Utara
Jl. Jembatan Dua Raya No. 11G
Jakarta Utara 14450
Telp. (021) 662 2332 (Hunting)
Faks. (021) 668 4746
E-mail: [email protected]
Kelapa Gading
Ruko Gading Bukit Indah, Blok O No. 6
Jl. Gading Bukit Raya,
Kelapa Gading, Jakarta Utara 14241
Telp. (021) 458 52348-51,
(021) 458 52353 (Hunting)
Faks. (021) 458 52352
E-mail: [email protected]
Makassar
Jl. Gunung Bawakaraeng No. 67-69
Makassar 90145
Telp. (0411) 316 752 (Hunting)
Faks. (0411) 326 556
E-mail: [email protected]
Malang
Jl. Letjen S. Parman No. 102C
Malang 65125
Telp. (0341) 417 778 (Hunting), 406 496/7
Faks. (0341) 417 702
E-mail: [email protected]
Mangga Dua/SPD
Wisma Eka Jiwa Lt. 9 R. 903 & 903A
Jl. Mangga Dua Raya
Jakarta 10730
Telp. (021) 625 7687 (Hunting), 625 7688
Faks. (021) 625 7589
E-mail: [email protected]
Medan
Jl. Mangkubumi No. 18 (Lt. 2 & 3)
Medan 20151
Telp. (061) 453 1532/4700, 451 0707
Faks. (061) 453 7697
E-mail: [email protected]
Pontianak
Jl. Imam Bonjol No. 1A
Pontianak 78122
Telp. (0561) 738 521 (Hunting)
Faks. (0561) 730 529
E-mail: [email protected]
Samarinda
Jl. KH. Akhmad Dahlan RT. 3 No. 45
Samarinda 75117
Telp. (0541) 735 497, 738 405
Faks. (0541) 735 426
E-mail: [email protected]
Semarang
Rukan Pemuda Mas Blok A Kav. A/8
Jl. Pemuda No. 150
Semarang 50132
Telp. (024) 356 8138 (Hunting),
(024) 356 1245
Faks. (024) 356 8581, 356 1239
E-mail: [email protected]
Surabaya
Bank Internasional Indonesia
Jl. Argopuro No. 53A
Surabaya 60256
Telp. (031) 532 0528 (Hunting),
(031) 534 1138
Faks. (031) 532 0529
E-mail: [email protected]
Tangerang
Komplek Ruko Bumi Mas Raya No. 15/P3
Jl. M.H. Thamrin, Cikokol
Tangerang 15117
Telp. (021) 557 50808 (Hunting)
Faks. (021) 557 52828
E-mail: [email protected]
Yogyakarta
Jl. Balapan Kemakmuran No. 11
Yogyakarta 55222
Telp. (0274) 557 222
Faks. (0274) 557 224
E-mail: [email protected]
��
� � � �� � � � � � � �� � � � � �
� � � � � � � � � � � � � � �� �
��
Balikpapan
Jl. M. T. Haryono No. 79 C (DAM)
Balikpapan 76114
Telp. (0542) 415 682, 744 326
Faks. (0542) 427 623
E-mail: [email protected]
Cirebon
Jl. Tuparev No. 30
Cirebon 45153
Telp. (0231) 246 471
Faks. (0231) 248 514
E-mail: [email protected]
SYARIAH OFFICES
Syariah
Jl. Tebah III/36, Mayestik
Jakarta Selatan 12120
Telp. (021) 270 2882-4
Faks. (021) 270 0120
E-mail: [email protected]
AGENCY OFFICES
Agency Bogor
Jl. Dadali No. 6
Tanah Sereal, Bogor 16161
Telp. (0251) 357 946, 357 878,
(0251) 357 936
Faks. (0251) 357 963
E-mail: [email protected]
Agency Fachrudin
Wisma Asuransi Sinar Mas
Jl. Fachrudin 18, Jakarta Pusat 10250
Telp. (021) 390 2141 ext. 1400-4
Faks. (021) 390 2159/60
E-mail: [email protected]
Agency Mangga Dua
Wisma Eka Jiwa Ruko No. 15
Jl. Mangga Dua Raya
Jakarta 10730
Telp. (021) 625 7552 (Hunting)/3
Faks. (021) 625 7554
E-mail: [email protected]
REPRESENTATIVE OFFICES
Bandarjaya
Jl. Proklamator 20B
Lampung Tengah 34163
Telp. (0725) 528 530
Faks. (0725) 528 948
E-mail: [email protected]
Bengkulu
Gedung Eka Life Lt. 2
Jl. S. Parman No. 62E
Bengkulu 38227
Telp. (0736) 348 881/880
Faks. (0736) 348 881
E-mail: [email protected]
Bintaro
Ruko Sentra Menteng Blok MN 54
Bintaro Jaya Sektor 7
Tangerang 15224
Telp. (021) 748 61651, 748 63875
Faks. (021) 748 62013
E-mail: [email protected]
Garut
Jl. Pembangunan No. 177
Garut 44151
Telp. (0262) 543 692/3
Faks. (0262) 543 692
E-mail: [email protected]
Bumi Serpong Damai
Ruko BSD Golden Boulevard Blok G 6-7 Lt. 3
Jl. Pahlawan Seribu,
Serpong, Tangerang 15322
Telp. (021) 538 4800
Faks. (021) 538 4900
E-mail: [email protected]
Gorontalo
Jl. S. Parman No. 115A
Gorontalo 96111
Telp. (0435) 831 776
Faks. (0435) 831 776
E-mail: [email protected]
Cibubur
Kawasan Niaga Citra Grand Blok R3 No. 27
Jl. Raya Alternatif Cibubur Cileungsi,
Jatikarya, Bekasi 13720
Telp. (021) 845 99595
Faks. (021) 845 99393
E-mail: [email protected]
Cikarang
Ruko Plaza Menteng
Jl. M.H. Thamrin Blok A3
Lippo Cikarang, Bekasi 17550
Telp. (021) 897 2020
Faks. (021) 897 4477
E-mail: [email protected]
Cilacap
Komp. YKPP Blok. I
Jl. M.T. Haryono No. 79/K
Cilacap 53221
Telp. (0282) 533 241
Faks. (0282) 520 339
E-mail: [email protected]
Cilegon
Ruko Cilegon Indah Jaya Blok A No. 5
Jl. Raya Serang, Kedaleman, Cibeber
Cilegon 42422
Telp. (0254) 390 372
Faks. (0254) 390 376
E-mail: [email protected]
Cimahi
Ruko Pasar Antri Baru No. 3
Jl. Sriwijaya, Cimahi 40524
Telp. (022) 665 3888/3938
Faks. (022) 665 4777
E-mail: [email protected]
Depok
JL. Margonda Raya No. 304, RT. 01/011
Depok 16424
Telp. (021) 772 02343/11251/12912
Faks. (021) 772 02493
E-mail: [email protected]
Duri
Jl. Jend.Sudirman No. 446C
Duri, Riau 28884
Telp. (0765) 596 773
Faks. (0765) 596 086
E-mail: [email protected]
Jambi
Jl. Hayam Wuruk No. 28D
Jelutung, Jambi 36136
Telp. (0741) 321 416,
(0741) 222 32 (Direct)
Faks. (0741) 208 72
E-mail: [email protected]
Jatinegara
Bank Internasional Indonesia Lt. 3
Jl. Jatinegara Timur No. 59
Jakarta Timur 13310
Telp. (021) 280 1375-77, 280 1379
Faks. (021) 280 1374
E-mail: [email protected]
Jayapura
Komplek Pacific Permai, Blok C No. 34
Jayapura 99112
Telp. (0967) 521 227, 550 455
Faks. (0967) 521 227
E-mail: [email protected]
Jember
Bank Internasional Indonesia Lt. 2
Jl. Gatot Subroto 48
Jember 68137
Telp. (0331) 427 222/10
Faks. (0331) 427 200
E-mail: [email protected]
Karawang
Jl. A. Yani No. 88E & F
Nagasari, Karawang 41312
Telp. (0267) 408 550
Faks. (0267) 408 565
E-mail: [email protected]
Kediri
Ruko Hayam Wuruk Trade Centre Blok B No. 1
Kediri 64121
Telp. (0354) 671 833
Faks. (0354) 671 844
E-mail: [email protected]
Kendari
Bank Internasional Indonesia Lt. 3
Jl. Drs. H. A. Silondae No. 82-84
Kendari 93111
Telp. (0401) 331 284
Faks. (0401) 331 285
E-mail: [email protected]
Kudus
Jl. Jendral Sudirman No. 37G
Kudus 59312
Telp. (0291) 435 145/436 155
Faks. (0291) 439 205
E-mail: [email protected]
Lubuk Linggau
Jl. Yos Sudarso No. 901/71 RT 2
Kel. Taba Koji
Kec. Lubuk Linggau Timur 31625
Telp. (0733) 323 502
Faks. (0733) 323 502
E-mail: [email protected]
Madiun
Jl. Cokroaminoto No. 114A
Madiun 63132
Telp. (0351) 454 300
Faks. (0351) 483 755
E-mail: [email protected]
Magelang
Ruko Prayudan Permai Blok A 22
Jl. Mayjend. Bambang Soegeng
Mertoyudan
Magelang 56172
Telp. (0293) 327 272
Faks. (0293) 327 308
E-mail: [email protected]
Manado
Bank Internasional Indonesia
Jl. Sam Ratulangi Komplek Wanea
Plaza Blok.I No.1
Manado 95117
Telp. (0431) 844 365
Faks. (0431) 852 001
E-mail: [email protected]
Mataram
Bank Internasional Indonesia
Jl. AA Gde. Ngurah No. 48C-D, Cakranegara
Mataram 83235
Telp. (0370) 630 814/15
Faks. (0370) 630 813
E-mail: [email protected]
Mojokerto
Bank Internasional Indonesia Lt. 3
Jl. Jaksa Agung Suprapto No. 30
Mojokerto 61311
Telp. (0321) 329 990, 329 991
Faks. (0321) 329 990
E-mail: [email protected]
Muara Bungo
Jl. Basarudin Ruko Efendi 4
Kampung Solok RT 016/06, Kel. Bungo Barat,
Muara Bungo, Jambi 37212
Telp. (0747) 321 618
Faks. (0747) 321 497
E-mail: [email protected]
Padang
Jl. S. Parman No. 172C, Bulak Karang
Bulak Karang, Padang 25134
Telp. (0751) 447 900, 447 906,
(0751) 447 907
Faks. (0751) 447 901
E-mail: [email protected]
Singkawang
JL. Alianyang No. 73A
RT 24 RW 08
Kel. Melayu, Singkawang Barat 79123
Telp. (0562) 635 598
Faks. (0562) 638 976
E-mail: [email protected]
Palu
Bank Internasional Indonesia
Jl. Danau Lindu No. 345
Palu 94112
Telp. (0451) 423 262
Faks. (0451) 421 919
E-mail: [email protected]
Solo
Ruko Mesen Square No. 12
Jl. Urip Sumohardjo, Solo
Solo 57129
Telp. (0271) 666 766 (Hotline)-768
Faks. (0271) 666 765
E-mail: [email protected]
Pangkal Pinang
Jl. Jendral Sudirman No. 72/30, Lt. 2
Kelurahan Gedung Nasional
Bangka Belitung 33125
Telp. (0717) 431 939
Faks. (0717) 432 809
E-mail: [email protected]
Sukabumi
Jl. Perintis Kemerdekaan No. 17B
Sukabumi 43111
Telp. (0266) 236 670
Faks. (0266) 236 670
E-mail: [email protected]
Pekalongan
Ruko Gama Niaga No. 3
Jl. Gajahmada No. 90C
Pekalongan 51119
Telp. (0285) 429 549, 431 731
Faks. (0285) 425 090
E-mail: [email protected]
Pematang Siantar
Bank Internasional Indonesia Lt. 3
Jl. DR. Soetomo No. 245
Pematang Siantar 21117
Telp. (0622) 267 11
Faks. (0622) 431 655
E-mail: [email protected]
Prabumulih
Jl. Jend. Sudirman No. 111
Prabumulih 31123
Telp. (0713) 325 967
Faks. (0713) 325 976
E-mail: [email protected]
Purwokerto
Jl. S. Parman No. 77
Purwokerto 53141
Telp. (0281) 641 451 (Hunting)
Faks. (0281) 640 573
E-mail: [email protected]
Rantau Prapat
Jl. Imam Bonjol No. 10
Rantau Prapat 21417
Telp. (0624) 327 693
Faks. (0624) 225 37
E-mail: [email protected]
Sampit
Jl. D I Panjaitan No. 39A
RT. 03 RW. 01, Kelurahan Hulu - Sampit 74322
Telp. (0531) 315 68, 218 35
Faks. (0531) 319 51
E-mail: [email protected]
Sumedang
Jl. P. Geusan Ulun 127
Sumedang 45312
Telp. (0261) 201 864
Faks. (0261) 201 864
E-mail: [email protected]
Tanjung Pinang
Jalan Brigjen Katamso No. 92A
Tanjung Pinang 29122
Telp. (0771) 282 57
Faks. (0771) 271 57
E-mail: [email protected]
Tasikmalaya
Komp. Ruko Permata Regency No. 2
Jl. HZ. Mustofa, Tasikmalaya 46126
Telp. (0265) 311 027, 345 027,
(0265) 345 023, 356 024
Faks. (0265) 311 137
Email: [email protected]
Tebet
Royal Palace
Jl. Prof. Dr. Soepomo, SH No. 178A/B5
Jakarta 12870
Telp. (021) 835 0099 (Hunting)
Faks. (021) 830 9911
Email: [email protected]
Tegal
Komp. Nirmala Estate Kav. 7A & 8A
Jl. Yos Sudarso No. 19
Tegal 52121
Telp. (0283) 354 481, 324 239
Faks. (0283) 357 541
E-mail: [email protected]
��
� � � �� � � � � � � �� � � � � �
� � � � � � � � � � � � � � �� �
��
Agency Fatmawati
Komp. Duta Mas Blok A2 No. 9-10
Jl. RS. Fatmawati
Jakarta 12150
Telp. (021) 723 5222
Faks. (021) 723 4333
E-mail: [email protected]
Bukit Tinggi
Jl. Kapas panji Km. 3
Banu Hampu, Bukittinggi 26123
Telp. (0752) 627 265
Faks. (0752) 627 264
E-mail: [email protected]