Josef Gunawan Setyo
President Director of PT Asuransi Tokio Marine Indonesia

For TMI, 2014 is the last year of our 2012-2014 Mid Term Plan. While we are focusing our effort and attention to achieve our target this year, we are also preparing for our next 2015-2017 Mid Term Plan. As I said last year, there will be changes required to meet challenges ahead of us. We are making a lot of progress toward implementing these changes and this can only be successful with your full support and participation. Just a word of caution, with changes there will be new ways of doing things, new situations, new habit and things which we are not familiar with. With that I can only request that we take it one step at a time. Please give ourselves time to get familiar with it, embrace and welcome the changes. Always think positive and look at the bright side that we do these changes to move forward and to thrive for TMI and everyone in it. 

This year we are also seeing events and regulations which we could never have anticipated in our industry. From the introduction of micro insurance, the new tariff, increased national capacity and the formation of "giant reinsurance company". The speed of these changes is something that we must pay attention to. We are looking at a very exciting and challenging time ahead of us.

Josef Gunawan Setyo 
President Director of PT Asuransi Tokio Marine Indonesia