-

00 0.
-
X

-
X

X
A
&
⑱ -
-
-

5 Ith 4
=
quarter.
12.612.121 12.000.000
=

(1+4)
i 0104
=

/tahun.

x
4)4
+ (1+*)
=

7 +
044 (1+
=
*)
;* 010406
=
 ⑧
↳ hak bemsahaan asutansi.

&- hak
-> kewaslban
00 -
- -> hak

- -> hak.

hak
->
 C
W

X
~
W

O
0
X I

⑧ 00
- X
 -

(t)
(-)
(H)

(-7
If

⑧
 o
0 -
C 2> 3 akun 12,000.
minsem
0
=

- X

-
 0 -

due income, pilltang v

<Liabilitas, uneamed
income.

0. i revenue
v

spiutangu

o spintang
v

↳ eamed but received.

not
 O

Beli;9500 100x 600.

Harga
= +

x dG-
=
 O ⑧
O 0
O 8

ne

0.
120 150
= -

x 0AX
+

013X 30
=

x 100.
=
A

O
=
 &

0
O
 0
V

- ~

8
0x
Saat ini

w
C
C -
-

·
- 0

w
8
W

Or
I a

Ou
Ou

we

Gra asumsi
↳
nildijatuh tempo. dgn
to pengemballan et al.

0
 - -
&
C
-

W
W

a
-

0
 C
O
0
-

O
⑧
=
-

unit price = 150.

unitfixed cost 100-

=

↳ Bunami.
wet loss
55,000
=

1375-uni war cost

total cont margin:
cost 1375. Uni cost
total revenue -
total war = var.

net loss total

-
cont. margin-total fixed cost.

total fixed (811

see margin
-> netloss=

I
-

-> BED:
-
fixed cost
55,000--total
total cont. =total fixed cost
6tal fixed cost 57,000-
+

mar In

1355. UUI 55000-

=

var cOA

war cost 40-

=

unit
 700. 150-700.40 -55,000
netgain:
->

22000
=
 Ratio-redeemmusrtepremium
Loss

Expense Ratio=

Loss
Paro/ I
5
Expense ratio
I
red
calm

premium"*,
expense
- -

eamed premium eamed

dam
red in expense
-> -
me
5

ratio
LR + ER combine
=

I
eee
amt
L

incurred claim - expense (240.000

-240.000.
x
I
+

2200.000
-x 240000 x
=
 2.B -

a.B.

B. A
A-A-
~
BA -
BD.
V

0 ⑧
⑧
v

⑳
variance
Rate variance
usage

B. A = B. A- B.D.
A.A
-

acMalusage = Budget rate actual usage

=actual rate.
-

Budget rate. Budget usage.

budget rate. acMal Ease
⑧
 Net cash flow

-
500

120

X- 5

175

1,77X 5
-

⑳
14
=

* i+ +=0
-500 +

156,9690.
0
0
0
⑧
 d

netincomeet
- ROA -
--

.000.000
01017 =
y
=> 1.275:000
=

0,048.
=
total revenue
-> net income

0,040. total revenue

1.275,000 =

totalrevenue 26.562.500
=
 0

investment income
Investmentyield Ratio=
en

average investment asset

-
010403.
=
 sure

no
o

0
an
not
aninvestas
addresses
.
-

&

=011125

A 0,0642
=
 ⑧

e
debt ratio -
Nabil= 2003,557

0,6817:
=>
 ⑧

preferred diudends stock

EPs: e -
STOCK
# Ots.

=
616667

x 0500,04
=

ROE
4-o
=
 0

P/E ratio
Eaming multiple:
share of common stock
=
pe r
EPS

2,804 10,99945
=
-
-

500
EPS
-
=

-
& 10004