Perihal : Statistik Gempa Bumi Indonesia

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Ref No. : 101/L-MG/XI-08/AMI/FS-lw

Kepada Yth,

Direksi

Seluruh Perusahaan Asuransi

Di

Tempat

Perihal

:

Statistik Gempa Bumi Indonesia 2004 - 2007

Dengan hormat,

Bersama ini kami sampaikan Statistik Asuransi Gempa Bumi periode 2006 - 2007

posisi sampai dengan bulan Juni 2007. Sedangkan Statistik Asuransi Gempa Bumi

Periode 2004 – 2005 posisi sampai dengan Desember 2006.

Sementara ini kami masih mempersiapkan statistik 2004 - 2007 posisi sampai dengan

Desember 2007 yang dalam waktu tidak terlalu lama akan kami kirimkan pula ke

seluruh perusahaan asuransi.

Kami berharap statistik ini dapat bermanfaat tidak hanya bagi perusahaan asuransi

yang menangani Asuransi Gempa Bumi namun dapat pula berguna bagi industri

asuransi umum di Indonesia.

Atas perhatian serta kerjasamanya yang baik kami ucapkan terima kasih.

Jakarta, 18 November 2008

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ANALISA

I. PREMI BRUTO DAN JUMLAH RISIKO

1. PREMI BRUTO

-

Premi Bruto Underwriting Year 2006 posisi sampai dengan Juni 2007

sebesar Rp. 2.1 triliun mengalami kenaikan sebesar 17.41 % bila

dibandingkan dengan Premi Bruto Underwriting Year 2005 posisi

sampai dengan Desember 2006 sebesar Rp. 1.8 triliun. Sedangkan

Premi Bruto Underwriting Year 2007 sebesar Rp. 206.9 milyar lebih

rendah dibandingkan premi Underwriting Year 2006 sebesar Rp. 358

milyar karena belum menggambarkan premi penuh selama satu tahun.

-

Premi Bruto terbesar Underwriting Year 2006 berdasarkan zona adalah

Zona 3 sebesar Rp. 1,109 milyar atau naik 76.59 % bila dibandingkan

dengan Premi Bruto Underwriting Year 2005 sebesar Rp. 628 milyar,

dan Premi Bruto Underwriting Year 2007 untuk Zona 3 sebesar Rp. 100

milyar

-

Penyebaran premi dari tahun ke tahun memperlihatkan trend yang relatif

tetap, yakni didominasi oleh Zona 3 (DKI Jakarta) dan sebagian kecil

pada Zona 4 (Central Java); 5 (East Java); serta Zona 2 (South Sumatera)

-

Premi Bruto terbesar Underwriting Year 2007 berdasarkan okupasi

adalah Industrial sebesar Rp. 141.8 milyar atau 69 % dari seluruh Premi

Bruto sebesar Rp. 206.9 milyar

Premi Bruto terbesar Underwriting Year 2006 berdasarkan okupasi

adalah Industrial sebesar Rp. 1,544 milyar atau 74 % dari seluruh Premi

Bruto sebesar Rp. 2.1 triliun.

Industrial adalah merupakan jenis okupasi yang memberikan kontribusi

tertinggi disusul dengan jenis okupasi Commercial, kemudian

Residential dan terakhir adalah okupasi Agricultural.

Industrial adalah okupasi yang mengalami kenaikan tertinggi pada

Underwriting Year 2006 dan Underwriting Year 2007. Kenaikan juga

terjadi pada okupasi Commercial dan Residential. Begitu juga dengan

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Kenaikan premi bruto Underwriting year 2006 sebesar 17.41%

disebabkan antara lain :

a)

Kedisiplinan untuk mensesikan dan mengikuti ketentuan yang

berlaku pada penutupan asuransi gempa bumi meningkat.

b)

Permintaan polis dari masyarakat sudah meningkat seiring dengan

banyaknya kejadian gempa yang terjadi atau makin meningkatnya

kesadaran masyarakat untuk membeli polis asuransi.

c)

Ada beberapa perusahaan asuransi baru yang juga telah mensesikan

risiko gempa buminya.

d)

Beberapa perusahaan asuransi juga telah menaikkan rate standar

gempa bumi, mengingat banyaknya kejadian gempa.

e)

Peningkatan kedisplinan sesi yang cukup signifikan dari beberapa

perusahaan asuransi besar.

f)

Peningkatan jumlah permintaan persetujuan untuk spesial

persyaratan & kondisi melalui AAUI/KARBA yaitu dari 94

permintaan di 2006 menjadi 130 permintaan di 2007.

2. JUMLAH RISIKO (NUMBER OF RISKS)

Sejalan dengan kenaikan Premi Bruto Underwriting Year 2006, jumlah

risiko pun meningkat. Terlihat di Underwriting Year 2006 jumlah risiko

sebanyak 84,589 risiko atau terjadi peningkatan sebesar 22% bila

dibandingkan dengan Underwriting Year 2005 sebesar 69,114 risiko.

Adapun untuk jumlah risiko Underwriting Year 2006, yang tertinggi berada

di Zona 3 sebesar 44,890 risiko atau 53% dari total risiko sebesar 84,589

risiko. Sedangkan untuk Underwriting Year 2007, jumlah risiko terbesar

juga berada di Zona 3, yaitu sebesar 3,969 risiko atau 45% dari total risiko

sebesar 8,743 risiko.

Berdasarkan okupasi, untuk Underwriting Year 2006 jumlah risiko terbesar

berada di okupasi Commercial, yaitu sebesar 43,781 risiko atau 52% dari

total risiko. Sedangkan untuk Underwriting Year 2007, jumlah risiko

terbesar juga berada di okupasi Commercial, yaitu sebesar 4,192 risiko atau

48% dari total risiko.

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II. KLAIM INCURRED DAN FREKUENSI KLAIM

1. KLAIM INCURRED

-

Jumlah Klaim Incurred untuk Underwriting Year 2006 sebesar Rp. 108

milyar menurun dibandingkan Underwriting Year 2005 sebesar Rp. 254

milyar. Penurunan ini disebabkan karena:

a.

Banyak klaim yang melibatkan risiko dengan periode polis Underwriting

Year 2005.

b.

Jumlah klaim yang dilaporkan di Underwriting Year 2006 adalah 215

menurun dibandingkan di Underwriting Year 2005 sebanyak 273.

c.

Klaim Incurred Underwriting Year 2005 yang terbesar adalah

berdasarkan event Yogjakarta (27.05.06) yaitu sebesar Rp. 243 milliar.

Jumlah Klaim Incurred Underwriting Year 2007 sebesar Rp. 70 milyar,

terdiri dari 3 event yaitu Event Manado (21.01.07), Event Bukittinggi

(21.02.07) dan event terbesar adalah Padang (06.03.07) dengan jumlah

sebesar Rp. 45 miliar.

-

Klaim Bruto terbesar

Underwriting Year 2005 : PT. Pesona Wisata Bangun Jogja Indah

(Yogyakarta, 27.05.06)

sebesar Rp. 12 miliyar

Underwriting Year 2006 : PT. Telekomunikasi Indonesia

(Yogyakarta, 27.06.05)

sebesar Rp. 16 miliyar

Underwriting Year 2007 : PT. Telekomunikasi Indonesia

(Padang, 06.03.07)

sebesar Rp. 45 miliyar

-

Jumlah kerugian terbesar berdasarkan okupasi adalah sebagai berikut :

Underwriting Year 2005 : Okupasi Commercial sebesar 99% dari total

Klaim Incurred.

Underwriting Year 2006 : Okupasi Commercial sebesar 93% dari total

Klaim Incurred.

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2. FREKUENSI KLAIM

Frekuensi klaim di Underwriting Year 2006 (215 klaim) lebih besar 95,34%

dibandingkan dengan frekuensi klaim Underwriting Year 2007 (10 klaim).

Hal ini disebabkan karena pada Underwriting Year 2006 terdapat 6 gempa

bumi dan Underwriting Year 2007 hanya 3 gempa bumi.

Pada Underwriting Year 2006 terjadi 215 klaim dimana sebanyak 120 klaim

adalah klaim Jogjakarta dan 67 untuk klaim Padang dan Bengkulu..

Jumlah Frekuensi Klaim terbanyak dari tahun 2006 – 2007 berdasarkan

okupasi adalah Commercial.

Jumlah Frekuensi Klaim terbanyak dari tahun 2006 – 2007 berdasarkan zona

terdapat di Zona 4 (Jawa Tengah).

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INFORMASI STATISTIK

1. Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan

posisi 30 Juni 2007 (Underwriting Year 2006 & 2007) dan posisi 31 Desember

2006 (Underwriting Year 2004 & 2005)

2. Sesi Limit

2.1. Limit Sesi didasarkan atas setiap risiko.

2.2. Yang dimaksud dengan setiap risiko (any one risk) adalah akumulasi

(aggregate) jumlah harga pertanggungan seluruh risiko pada lokasi yang

sama untuk masing-masing perusahaan asuransi.

Definisi setiap risiko atau setiap lokasi ditentukan oleh perusahaan

asuransi/ Penerbit Polis sesuai dengan interpretasi perusahaan asuransi

dalam underwriting Polis Kebakaran.

2.3. Besarnya Limit Sesi atas setiap risiko (any one risk) untuk gabungan

Kerugian Fisik dan Gangguan Usaha adalah sebagai berikut :

2.3.1. Untuk daerah Jawa Barat, Banten dan DKI :

5% (lima prosen) dari jumlah seluruh pertanggungan (total sum

insured

) maksimum USD 2,500,000.00 (dua juta lima ratus ribu

Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi/

Penerbit Polis.

2.3.2 Untuk daerah Indonesia lainnya :

25% (dua puluh lima prosen) dari jumlah seluruh pertanggungan

(total sum insured) maksimum USD 2,500,000.00 (dua juta lima

ratus ribu Dollar Amerika) atas setiap risiko setiap perusahaan

asuransi/Penerbit Polis.

2.4. Dalam hal penutupan secara First Loss Basis / Sub-limit, jumlah yang

disesikan sebagaimana diatur dalam butir 2.3. diatas, dikalikan prosentase

First Loss Basis / Sub-limit Basis

.

2.5. Bilamana risiko ditutup secara ko-asuransi, jumlah maksimum sesi dari

semua Anggota ko-asuransi adalah sesuai dengan ketentuan yang diatur

dalam 2.3. diatas. Sesi masing-masing perusahaan adalah proporsional

sebanding sahamnya dalam ko-asuransi.

Dalam hal terdapat penutupan lain selain polis ko-asuransi tersebut pada

obyek pertanggungan yang sama, perusahaan asuransi tetap dapat

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3. Tarif Premi

3.1. Penutupan dengan menggunakan Full Value Basis mengaplikasikan Tarif

Premi Standar Gempa Bumi Indonesia (lampiran 1)

3.2. Penutupan dengan First Loss / Sub Limit Basis mengaplikasikan standar

First Loss Scale (lampiran 2)

3.3. Perhitungan premi untuk penutupan kurang dari 12 (dua belas) bulan

diberlakukan skala premi jangka pendek (lampiran 3)

3.4. Untuk perhitungan premi Bussiness Interruption diberlakukan Indemnity

Period Scale (lampiran 4)

4. Obyek Pertanggungan

4.1. Obyek pertanggungan yang dapat disesikan adalah obyek pertanggungan

asuransi kebakaran berupa :

4.1.1. Kerusakan Fisik :

Bangunan

Pondasi

Penggalian dan Sejenisnya

Persediaan Barang

Lain-lain

4.1.2 Gangguan Usaha :

Keuntungan Bruto

Upah

Kenaikan Biaya Operasional

Lain-lain

4.2 Penutupan sebagaimana dimaksud pada butir 4.1. adalah yang ditutup

secara langsung (direct business) termasuk ko-asuransi. Penutupan tidak

langsung (indirect business/Reasuransi) tidak dapat disesikan.

7. Pelaporan Bordero

Pelaporan bordero dilakukan setiap bulannya untuk semua risiko yang ditutup

pada bulan yang bersangkutan dan sudah harus diterima selambat-lambatnya

pada akhir bulan berikutnya.

8. Untuk kasus “Multi Location Risk” yang mengalami kesulitan dalam

mmberikan detail harga pertanggungan perlokasi maka dengan persetujuan

AAUI pensesian risiko dan perhitungan premi dilakukan pada zona-zona

tertentu.

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UNDERWRITING YEAR UNDERWRITING YEAR UNDERWRITING YEAR

UNDERWRITING YEAR : ALL: ALL: ALL: ALL DATA POSITION FROMDATA POSITION FROMDATA POSITION FROMDATA POSITION FROM 01/01/200601/01/200601/01/200601/01/2006 OCCUPATION

OCCUPATION OCCUPATION

OCCUPATION : ALL: ALL: ALL: ALL ZONE

ZONE ZONE

ZONE : ALL: ALL: ALL: ALL TOTOTOTO 30/06/200730/06/200730/06/200730/06/2007

PROCESSING DATE PROCESSING DATE PROCESSING DATE PROCESSING DATE 27/10/200827/10/200827/10/200827/10/2008 Table A Table A Table A Table A BAND BAND BAND

BAND CUM.CUM.CUM.CUM. 1 0.00 50.00 2 50.00 3 100.00 4 200.00 5 300.00 6 500.00 7 750.00 8 1,000.00 9 1,500.00 10 2,000.00 11 2,500.00 12 3,000.00 13 4,000.00 14 5,000.00 15 7,500.00 16 10,000.00 17 20,000.00 18 50,000.00 19 100,000.00 20 500,000.00 UP LOSS RATIO LOSS RATIOLOSS RATIO LOSS RATIO rp BANDBANDBANDBAND CUM.CUM.CUM.CUM. BANDBANDBANDBAND CUM.CUM.CUM.CUM. BANDBANDBANDBAND CUM.CUM.CUM.CUM. BANDBANDBANDBAND CUM.CUM.CUM.CUM. 19,899 19899.4 9.88 9.88 4,483 4,482.62 0.08 0.08 15 15 2.54 2.54 247 246.69 0.02 0.02 5.50 5.50 100.00 13,955 33854.4 6.93 16.80 1,255 5,737.61 0.02 0.10 46 61 7.78 10.32 1,060 1,306.42 0.10 0.12 84.44 22.77 200.00 21,739 55593 10.79 27.59 3,756 9,493.36 0.07 0.17 39 100 6.60 16.92 2,175 3,481.81 0.21 0.33 57.92 36.68 300.00 16,556 72149.2 8.22 35.81 4,471 13,963.91 0.08 0.25 66 166 11.17 28.09 4,985 8,467.11 0.47 0.81 111.51 60.64 500.00 21,521 93670.3 10.68 46.49 9,393 23,356.65 0.17 0.42 56 222 9.48 37.56 5,215 13,682.38 0.50 1.30 55.52 58.58 750.00 15,601 109271 7.74 54.23 10,291 33,647.82 0.19 0.61 46 268 7.78 45.35 2,437 16,119.26 0.23 1.53 23.68 47.91 1,000.00 12,726 121997 6.32 60.54 12,390 46,037.94 0.22 0.83 29 297 4.91 50.25 4,204 20,323.29 0.40 1.93 33.93 44.14 1,500.00 12,621 134618 6.26 66.81 18,002 64,039.49 0.32 1.15 37 334 6.26 56.51 5,457 25,780.30 0.52 2.45 30.31 40.26 2,000.00 8,542 143159 4.24 71.05 15,956 79,995.14 0.29 1.44 27 361 4.57 61.08 6,130 31,910.44 0.58 3.04 38.42 39.89 2,500.00 5,685 148844 2.82 73.87 13,966 93,961.60 0.25 1.69 24 385 4.06 65.14 2,673 34,583.32 0.25 3.29 19.14 36.81 3,000.00 4,649 153493 2.31 76.18 13,521 107,482.68 0.24 1.93 14 399 2.37 67.51 3,423 38,006.53 0.33 3.62 25.32 35.36 4,000.00 6,320 159812 3.14 79.31 23,819 131,301.53 0.43 2.36 27 426 4.57 72.08 5,822 43,828.55 0.55 4.17 24.44 33.38 5,000.00 4,789 164602 2.38 81.69 23,735 155,036.48 0.43 2.79 18 444 3.05 75.13 17,105 60,933.12 1.63 5.80 72.06 39.30 7,500.00 6,725 171326 3.34 85.03 44,875 199,911.24 0.81 3.60 24 468 4.06 79.19 7,713 68,645.62 0.73 6.53 17.19 34.34 10,000.00 5,056 176382 2.51 87.53 45,988 245,899.00 0.83 4.42 11 479 1.86 81.05 1,686 70,331.52 0.16 6.69 3.67 28.60 20,000.00 8,609 184992 4.27 91.81 134,103 380,002.19 2.41 6.84 24 503 4.06 85.11 27,341 97,672.51 2.60 9.29 20.39 25.70 50,000.00 8,153 193145 4.05 95.85 283,364 663,366.08 5.10 11.94 36 539 6.09 91.20 72,285 169,957.65 6.88 16.17 25.51 25.62 100,000.00 3,891 197036 1.93 97.78 304,208 967,573.97 5.47 17.41 12 551 2.03 93.23 20,186 190,143.52 1.92 18.09 6.64 19.65 500,000.00 3,290 200326 1.63 99.42 669,289 1,636,863.37 12.04 29.45 25 576 4.23 97.46 151,105 341,248.18 14.38 32.47 22.58 20.85 1,173 201499 0.58 100.00 3,920,515 5,557,378.71 70.55 100.00 15 591 2.54 100.00 709,587 1,050,835.36 67.53 100.00 18.10 18.91

rp rp

rp RPRPRPRP PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE CLAIM FREQUENCY

CLAIM FREQUENCYCLAIM FREQUENCY CLAIM FREQUENCY ffff FFFF PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rp

rp rp

rp RPRPRPRP PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE GROSS PREMIUM (In Million Rp.)

GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.)

GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) BAND

BANDBAND BAND

SUM INSURED (BAND) SUM INSURED (BAND) SUM INSURED (BAND) SUM INSURED (BAND)

(In Million Rp.) (In Million Rp.) (In Million Rp.)

(In Million Rp.) NUMBER OF RISKSNUMBER OF RISKSNUMBER OF RISKSNUMBER OF RISKS FROM

FROM FROM

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UNDERWRITING YEAR : 2004: 2004: 2004: 2004 DATA POSITION FROMDATA POSITION FROMDATA POSITION FROMDATA POSITION FROM 01/01/200401/01/200401/01/200401/01/2004 OCCUPATION

ZONE ZONE

PROCESSING DATE PROCESSING DATEPROCESSING DATE

PROCESSING DATE 27/10/200827/10/200827/10/200827/10/2008 Table B.1 Table B.1 Table B.1 Table B.1 BAND BAND BAND

BAND CUM.CUM.CUM.CUM. BANDBANDBANDBAND CUM.CUM.CUM.CUM. BANDBANDBANDBAND CUM.CUM.CUM.CUM. BANDBANDBANDBAND CUM.CUM.CUM.CUM. BANDBANDBANDBAND CUM.CUM.CUM.CUM.

1 0.00 50.00 4292 4292 0.28 0.28 3,451.25 3,451.25 0.22 0.22 1 1 1.08 1.08 13.72 13.72 0.00 0.00 0.40 0.40 2 50.00 100.00 2719 7011 0.18 0.45 324.46 3,775.71 0.02 0.24 3 4 3.23 4.30 96.02 109.74 0.02 0.02 29.59 29.99 3 100.00 200.00 4394 11405 0.28 0.74 1,005.01 4,780.72 0.07 0.31 6 10 6.45 10.75 446.91 556.65 0.07 0.09 44.47 74.46 4 200.00 300.00 3384 14789 0.22 0.96 1,234.80 6,015.52 0.08 0.39 5 15 5.38 16.13 617.95 1,174.60 0.10 0.19 50.04 124.50 5 300.00 500.00 3604 18393 0.23 1.19 2,345.10 8,360.62 0.15 0.54 11 26 11.83 27.96 1,761.31 2,935.91 0.28 0.47 75.11 199.61 6 500.00 750.00 2689 21082 0.17 1.37 2,509.38 10,870.00 0.16 0.70 5 31 5.38 33.33 199.23 3,135.14 0.03 0.51 7.94 207.55 7 750.00 1,000.00 2065 23147 0.13 1.50 2,849.06 13,719.06 0.18 0.89 6 37 6.45 39.78 1,341.29 4,476.43 0.22 0.72 47.08 254.63 8 1,000.00 1,500.00 2138 25285 0.14 1.64 4,598.98 18,318.04 0.30 1.19 8 45 8.60 48.39 2,321.93 6,798.36 0.38 1.10 50.49 305.12 9 1,500.00 2,000.00 1567 26852 0.10 1.74 3,871.22 22,189.26 0.25 1.44 4 49 4.30 52.69 2,433.81 9,232.17 0.39 1.49 62.87 367.99 10 2,000.00 2,500.00 1113 27965 0.07 1.81 3,713.06 25,902.32 0.24 1.68 11 60 11.83 64.52 827.25 10,059.42 0.13 1.63 22.28 390.26 11 2,500.00 3,000.00 931 28896 0.06 1.87 3,655.49 29,557.81 0.24 1.91 3 63 3.23 67.74 848.75 10,908.17 0.14 1.76 23.22 413.48 12 3,000.00 4,000.00 1250 30146 0.08 1.95 6,644.63 36,202.44 0.43 2.35 5 68 5.38 73.12 461.74 11,369.91 0.07 1.84 6.95 420.43 13 4,000.00 5,000.00 1027 31173 0.07 2.02 6,961.29 43,163.73 0.45 2.80 1 69 1.08 74.19 4,917.14 16,287.05 0.80 2.63 70.64 491.07 14 5,000.00 7,500.00 1406 32579 0.09 2.11 13,158.92 56,322.65 0.85 3.65 7 76 7.53 81.72 477.50 16,764.55 0.08 2.71 3.63 494.70 15 7,500.00 10,000.00 1088 33667 0.07 2.18 13,448.93 69,771.58 0.87 4.52 0 76 - 81.72 - 16,764.55 - 2.71 0.00 494.70 16 10,000.00 20,000.00 1926 35593 0.12 2.31 40,101.17 109,872.75 2.60 7.12 3 79 3.23 84.95 693.00 17,457.55 0.11 2.82 1.73 496.42 17 20,000.00 50,000.00 1899 37492 0.12 2.43 88,885.79 198,758.54 5.76 12.88 2 81 2.15 87.10 350.32 17,807.87 0.06 2.88 0.39 496.82 18 50,000.00 100,000.00 885 38377 0.06 2.49 97,456.06 296,214.60 6.31 19.19 1 82 1.08 88.17 1.90 17,809.77 0.00 2.88 0.00 496.82 19 100,000.00 500,000.00 495 38872 0.03 2.52 144,132.05 440,346.65 9.34 28.53 6 88 6.45 94.62 4,018.92 21,828.69 0.65 3.53 2.79 499.61 20 500,000.00 UP 181 39053 0.01 2.53 1,103,230.34 1,543,576.99 71.47 100.00 5 93 5.38 100.00 596,652.28 618,480.97 96.47 100.00 54.08 553.69 PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE F FF F rp rp rp rp GROSS PREMIUM (In Million Rp.)

GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.)

ffff PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE RPRPRPRP rp rp rp rp RPRPRPRP CLAIM FREQUENCY CLAIM FREQUENCY CLAIM FREQUENCY

CLAIM FREQUENCY LOSS RATIOLOSS RATIOLOSS RATIOLOSS RATIO BAND

BAND BAND BAND

ffff FFFF PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE SUM INSURED (BAND)

SUM INSURED (BAND) SUM INSURED (BAND) SUM INSURED (BAND)

(In Million Rp.) (In Million Rp.)(In Million Rp.) (In Million Rp.) FROM FROM FROM FROM TOTOTOTO NUMBER OF RISKS NUMBER OF RISKS NUMBER OF RISKS NUMBER OF RISKS

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ZONE ZONE

PROCESSING DATE 27/10/200827/10/200827/10/200827/10/2008 Table B.2 Table B.2 Table B.2 Table B.2 BAND BAND BAND

1 0.00 50.00 8969 8969 12.98 12.98 1,039.02 1,039.02 0.06 0.06 7 7 2.56 2.56 116.87 116.87 0.05 0.05 11.25 11.25 2 50.00 100.00 5513 14482 7.98 20.95 588.49 1,627.51 0.03 0.09 23 30 8.42 10.99 372.73 489.60 0.15 0.19 63.34 74.58 3 100.00 200.00 7726 22208 11.18 32.13 1,693.81 3,321.32 0.09 0.19 15 45 5.49 16.48 1,173.76 1,663.36 0.46 0.66 69.30 143.88 4 200.00 300.00 5303 27511 7.67 39.81 1,773.15 5,094.47 0.10 0.29 36 81 13.19 29.67 3,402.54 5,065.90 1.34 2.00 191.89 335.77 5 300.00 500.00 7076 34587 10.24 50.04 3,730.03 8,824.50 0.21 0.49 22 103 8.06 37.73 2,664.29 7,730.19 1.05 3.05 71.43 407.20 6 500.00 750.00 5037 39624 7.29 57.33 4,085.01 12,909.51 0.23 0.72 20 123 7.33 45.05 418.46 8,148.65 0.16 3.21 10.24 417.45 7 750.00 1,000.00 4027 43651 5.83 63.16 4,872.89 17,782.40 0.27 1.00 8 131 2.93 47.99 215.79 8,364.44 0.09 3.30 4.43 421.87 8 1,000.00 1,500.00 4122 47773 5.96 69.12 7,129.27 24,911.67 0.40 1.40 20 151 7.33 55.31 2,055.72 10,420.16 0.81 4.11 28.83 450.71 9 1,500.00 2,000.00 2798 50571 4.05 73.17 6,269.06 31,180.73 0.35 1.75 14 165 5.13 60.44 2,212.56 12,632.72 0.87 4.98 35.29 486.00 10 2,000.00 2,500.00 1846 52417 2.67 75.84 5,361.46 36,542.19 0.30 2.05 8 173 2.93 63.37 1,273.00 13,905.72 0.50 5.48 23.74 509.75 11 2,500.00 3,000.00 1565 53982 2.26 78.11 5,350.92 41,893.11 0.30 2.35 5 178 1.83 65.20 2,309.77 16,215.49 0.91 6.39 43.17 552.91 12 3,000.00 4,000.00 2136 56118 3.09 81.20 9,269.21 51,162.32 0.52 2.87 14 192 5.13 70.33 2,660.37 18,875.86 1.05 7.44 28.70 581.61 13 4,000.00 5,000.00 1654 57772 2.39 83.59 9,797.56 60,959.88 0.55 3.41 11 203 4.03 74.36 6,775.15 25,651.01 2.67 10.11 69.15 650.76 14 5,000.00 7,500.00 2233 60005 3.23 86.82 18,172.45 79,132.33 1.02 4.43 11 214 4.03 78.39 6,691.67 32,342.68 2.64 12.74 36.82 687.59 15 7,500.00 10,000.00 1802 61807 2.61 89.43 18,534.80 97,667.13 1.04 5.47 6 220 2.20 80.59 1,284.49 33,627.17 0.51 13.25 6.93 694.52 16 10,000.00 20,000.00 2906 64713 4.20 93.63 54,583.81 152,250.94 3.06 8.53 12 232 4.40 84.98 19,991.06 53,618.23 7.88 21.13 36.62 731.14 17 20,000.00 50,000.00 2537 67250 3.67 97.30 109,599.48 261,850.42 6.14 14.67 22 254 8.06 93.04 54,563.63 108,181.86 21.50 42.62 49.78 780.93 18 50,000.00 100,000.00 1152 68402 1.67 98.97 107,194.13 369,044.55 6.00 20.67 4 258 1.47 94.51 12,453.48 120,635.34 4.91 47.53 11.62 792.54 19 100,000.00 500,000.00 572 68974 0.83 99.80 149,231.69 518,276.24 8.36 29.03 10 268 3.66 98.17 132,047.60 252,682.94 52.03 99.56 88.48 881.03 20 500,000.00 UP 140 69114 0.20 100.00 1,267,051.01 1,785,327.25 70.97 100.00 5 273 1.83 100.00 1,122.40 253,805.34 0.44 100.00 0.09 881.12 CLAIM FREQUENCY CLAIM FREQUENCY CLAIM FREQUENCY

BAND BAND BAND

(In Million Rp.) (In Million Rp.)(In Million Rp.)

(In Million Rp.) NUMBER OF RISKSNUMBER OF RISKSNUMBER OF RISKSNUMBER OF RISKS

PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE FROM FROM FROM

FROM TOTOTOTO ffff FFFF PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rp rp rp rp RPRPRPRP PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.)

GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE F F F F rp rp rp rp

(11)

ZONE ZONE

PROCESSING DATE PROCESSING DATE PROCESSING DATE PROCESSING DATE 27/10/200827/10/200827/10/200827/10/2008 Table B.3 Table B.3 Table B.3 Table B.3 BAND BAND BAND

1 0.00 50.00 6124 6124 7.24 7.24 162.23 162.23 0.01 0.01 7 7 3.26 3.26 116.10 116.10 0.11 0.11 71.56 71.56 2 50.00 100.00 5119 11243 6.05 13.29 416.09 578.33 0.02 0.03 19 26 8.84 12.09 575.97 692.07 0.53 0.64 138.42 209.99 3 100.00 200.00 8641 19884 10.21 23.51 1,370.36 1,948.69 0.07 0.09 18 44 8.37 20.47 554.72 1,246.79 0.51 1.15 40.48 250.47 4 200.00 300.00 7133 27017 8.43 31.94 1,845.19 3,793.88 0.09 0.18 24 68 11.16 31.63 929.80 2,176.59 0.86 2.02 50.39 300.86 5 300.00 500.00 9703 36720 11.47 43.41 3,973.08 7,766.95 0.19 0.37 23 91 10.70 42.33 789.66 2,966.25 0.73 2.75 19.88 320.73 6 500.00 750.00 7061 43781 8.35 51.76 4,319.72 12,086.67 0.21 0.58 19 110 8.84 51.16 1,673.29 4,639.54 1.55 4.30 38.74 359.47 7 750.00 1,000.00 5918 49699 7.00 58.75 5,117.23 17,203.90 0.24 0.82 15 125 6.98 58.14 2,682.88 7,322.42 2.49 6.78 52.43 411.90 8 1,000.00 1,500.00 5753 55452 6.80 65.55 6,867.51 24,071.42 0.33 1.15 9 134 4.19 62.33 1,079.34 8,401.76 1.00 7.78 15.72 427.61 9 1,500.00 2,000.00 3768 59219 4.45 70.01 6,222.49 30,293.90 0.30 1.45 8 142 3.72 66.05 1,367.81 9,769.57 1.27 9.05 21.98 449.60 10 2,000.00 2,500.00 2474 61693 2.92 72.93 5,160.83 35,454.73 0.25 1.70 5 147 2.33 68.37 597.62 10,367.19 0.55 9.60 11.58 461.18 11 2,500.00 3,000.00 1959 63652 2.32 75.25 4,869.14 40,323.87 0.23 1.93 6 153 2.79 71.16 239.69 10,606.88 0.22 9.82 4.92 466.10 12 3,000.00 4,000.00 2710 66361 3.20 78.45 8,435.57 48,759.44 0.40 2.33 8 161 3.72 74.88 2,480.59 13,087.47 2.30 12.12 29.41 495.50 13 4,000.00 5,000.00 1956 68318 2.31 80.76 7,869.58 56,629.02 0.38 2.71 6 167 2.79 77.67 5,631.60 18,719.07 5.22 17.34 71.56 567.07 14 5,000.00 7,500.00 2843 71160 3.36 84.12 14,571.81 71,200.83 0.70 3.40 5 172 2.33 80.00 518.33 19,237.40 0.48 17.82 3.56 570.62 15 7,500.00 10,000.00 1896 73056 2.24 86.37 13,536.29 84,737.12 0.65 4.05 5 177 2.33 82.33 401.40 19,638.80 0.37 18.19 2.97 573.59 16 10,000.00 20,000.00 3514 76571 4.15 90.52 40,002.58 124,739.69 1.91 5.96 9 186 4.19 86.51 6,656.93 26,295.73 6.17 24.36 16.64 590.23 17 20,000.00 50,000.00 3456 80027 4.09 94.61 84,891.53 209,631.23 4.06 10.02 11 197 5.12 91.63 17,336.18 43,631.91 16.06 40.42 20.42 610.65 18 50,000.00 100,000.00 1710 81737 2.02 96.63 95,912.05 305,543.28 4.59 14.61 7 204 3.26 94.88 7,730.49 51,362.40 7.16 47.58 8.06 618.71 19 100,000.00 500,000.00 2086 83823 2.47 99.09 355,403.23 660,946.51 16.99 31.60 8 212 3.72 98.60 14,784.73 66,147.13 13.69 61.27 4.16 622.87 20 500,000.00 UP 766 84589 0.91 100.00 1,430,493.96 2,091,440.46 68.40 100.00 3 215 1.40 100.00 41,812.50 107,959.63 38.73 100.00 2.92 625.79

GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.)

GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCYCLAIM FREQUENCYCLAIM FREQUENCYCLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) LOSS RATIOLOSS RATIOLOSS RATIOLOSS RATIO BAND

BAND BAND BAND

PERCENTAGE PERCENTAGEPERCENTAGE PERCENTAGE FROM FROM FROM

(12)

ZONE ZONE

PROCESSING DATE PROCESSING DATE PROCESSING DATE PROCESSING DATE 27/10/200827/10/200827/10/200827/10/2008 Table B.4 Table B.4 Table B.4 Table B.4 BAND BANDBAND

1 0.00 50.00 514 514 5.88 5.88 22.65 22.65 0.01 0.01 0 0 - - - - - - 0.00 0.00 2 50.00 100.00 604 1118 6.91 12.79 59.98 82.63 0.03 0.04 1 1 10.00 10.00 15.00 15.00 0.02 0.02 25.01 25.01 3 100.00 200.00 978 2096 11.19 23.97 189.48 272.11 0.09 0.13 0 1 - 10.00 - 15.00 - 0.02 0.00 25.01 4 200.00 300.00 736 2832 8.42 32.39 231.91 504.02 0.11 0.24 1 2 10.00 20.00 35.00 50.00 0.05 0.07 15.09 40.10 5 300.00 500.00 1,138 3970 13.02 45.41 590.26 1,094.28 0.29 0.53 0 2 - 20.00 - 50.00 - 0.07 0.00 40.10 6 500.00 750.00 814 4784 9.31 54.72 616.49 1,710.77 0.30 0.83 2 4 20.00 40.00 109.96 159.96 0.16 0.23 17.84 57.94 7 750.00 1,000.00 716 5500 8.19 62.91 785.66 2,496.43 0.38 1.21 0 4 - 40.00 - 159.96 - 0.23 0.00 57.94 8 1,000.00 1,500.00 608 6108 6.95 69.86 938.96 3,435.39 0.45 1.66 0 4 - 40.00 - 159.96 - 0.23 0.00 57.94 9 1,500.00 2,000.00 409 6517 4.68 74.54 881.99 4,317.37 0.43 2.09 1 5 10.00 50.00 115.96 275.92 0.16 0.39 13.15 71.08 10 2,000.00 2,500.00 252 6769 2.88 77.42 695.25 5,012.62 0.34 2.42 0 5 - 50.00 - 275.92 - 0.39 0.00 71.08 11 2,500.00 3,000.00 194 6963 2.22 79.64 637.38 5,650.01 0.31 2.73 0 5 - 50.00 - 275.92 - 0.39 0.00 71.08 12 3,000.00 4,000.00 224 7187 2.56 82.20 928.74 6,578.75 0.45 3.18 0 5 - 50.00 - 275.92 - 0.39 0.00 71.08 13 4,000.00 5,000.00 152 7339 1.74 83.94 809.01 7,387.76 0.39 3.57 0 5 - 50.00 - 275.92 - 0.39 0.00 71.08 14 5,000.00 7,500.00 243 7582 2.78 86.72 1,703.73 9,091.48 0.82 4.40 1 6 10.00 60.00 25.00 300.92 0.04 0.43 1.47 72.55 15 7,500.00 10,000.00 270 7852 3.09 89.81 2,516.86 11,608.34 1.22 5.61 0 6 - 60.00 - 300.92 - 0.43 0.00 72.55 16 10,000.00 20,000.00 263 8115 3.01 92.82 4,369.34 15,977.68 2.11 7.72 0 6 - 60.00 - 300.92 - 0.43 0.00 72.55 17 20,000.00 50,000.00 261 8376 2.99 95.80 9,321.49 25,299.17 4.51 12.23 1 7 10.00 70.00 35.00 335.92 0.05 0.48 0.38 72.93 18 50,000.00 100,000.00 144 8520 1.65 97.45 11,726.57 37,025.74 5.67 17.90 0 7 - 70.00 - 335.92 - 0.48 0.00 72.93 19 100,000.00 500,000.00 137 8657 1.57 99.02 37,882.79 74,908.53 18.31 36.21 1 8 10.00 80.00 253.41 589.33 0.36 0.83 0.67 73.60 20 500,000.00 UP 86 8743 0.98 100.00 131,946.14 206,854.68 63.79 100.00 2 10 20.00 100.00 70,000.00 70,589.33 99.17 100.00 53.05 126.65

GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCYCLAIM FREQUENCYCLAIM FREQUENCYCLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) LOSS RATIOLOSS RATIOLOSS RATIOLOSS RATIO BAND

BAND BAND BAND

PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE FROM FROM FROM

(13)

OCCUPATION : AGRICULTURAL: AGRICULTURAL: AGRICULTURAL: AGRICULTURAL ZONE

ZONE ZONE

ZONE : ALL ZONE: ALL ZONE: ALL ZONE: ALL ZONE TOTOTOTO 31/12/200631/12/200631/12/200631/12/2006

PROCESSING DATE PROCESSING DATE PROCESSING DATE PROCESSING DATE 27/10/200827/10/200827/10/200827/10/2008 Table C.1 Table C.1 Table C.1 Table C.1 BAND BAND BAND

1 0.00 50.00 25 25 6.02 6.02 1.70 1.70 0.03 0.03 0 0 - - - - - - 0.00 0.00 2 50.00 100.00 15 40 3.61 9.64 1.96 3.66 0.03 0.06 0 0 - - - - - - 0.00 0.00 3 100.00 200.00 27 67 6.51 16.14 4.89 8.55 0.08 0.14 0 0 - - - - - - 0.00 0.00 4 200.00 300.00 11 78 2.65 18.80 3.75 12.30 0.06 0.20 0 0 - - - - - - 0.00 0.00 5 300.00 500.00 26 104 6.27 25.06 11.55 23.85 0.18 0.38 0 0 - - - - - - 0.00 0.00 6 500.00 750.00 31 135 7.47 32.53 20.95 44.80 0.33 0.71 0 0 - - - - - - 0.00 0.00 7 750.00 1,000.00 18 153 4.34 36.87 18.23 63.03 0.29 1.00 0 0 - - - - - - 0.00 0.00 8 1,000.00 1,500.00 19 172 4.58 41.45 27.86 90.89 0.44 1.45 0 0 - - - - - - 0.00 0.00 9 1,500.00 2,000.00 14 186 3.37 44.82 28.10 118.99 0.45 1.90 0 0 - - - - - - 0.00 0.00 10 2,000.00 2,500.00 13 199 3.13 47.95 35.72 154.71 0.57 2.47 0 0 - - - - - - 0.00 0.00 11 2,500.00 3,000.00 12 211 2.89 50.84 40.82 195.53 0.65 3.12 0 0 - - - - - - 0.00 0.00 12 3,000.00 4,000.00 14 225 3.37 54.22 64.80 260.33 1.03 4.15 0 0 - - - - - - 0.00 0.00 13 4,000.00 5,000.00 21 246 5.06 59.28 112.56 372.89 1.79 5.94 0 0 - - - - - - 0.00 0.00 14 5,000.00 7,500.00 29 275 6.99 66.27 317.72 690.61 5.06 11.00 0 0 - - - - - - 0.00 0.00 15 7,500.00 10,000.00 36 311 8.67 74.94 342.03 1,032.64 5.45 16.46 0 0 - - - - - - 0.00 0.00 16 10,000.00 20,000.00 37 348 8.92 83.86 884.87 1,917.51 14.10 30.56 0 0 - - - - - - 0.00 0.00 17 20,000.00 50,000.00 32 380 7.71 91.57 1,281.68 3,199.19 20.42 50.98 0 0 - - - - 0.00 0.00 18 50,000.00 100,000.00 35 415 8.43 100.00 3,076.33 6,275.52 49.02 100.00 0 0 - - - - - - 0.00 0.00 19 100,000.00 500,000.00 0 415 - 100.00 - 6,275.52 - 100.00 0 0 - - - - - - 0.00 0.00 20 500,000.00 UP 0 415 - 100.00 - 6,275.52 - 100.00 0 0 - - - - - - 0.00 0.00 CLAIM FREQUENCY CLAIM FREQUENCY CLAIM FREQUENCY

BAND BAND BAND

ffff FFFF PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE SUM INSURED (BAND)

(In Million Rp.) (In Million Rp.) (In Million Rp.) (In Million Rp.) rp rp rp rp RPRPRPRP F FF F RP RP RP

RP PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE FROM

FROM FROM

FROM TOTOTOTO rp rp rp rp PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE INCURRED CLAIM (In Million Rp.)

INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) NUMBER OF RISKS

NUMBER OF RISKS NUMBER OF RISKS NUMBER OF RISKS

ffff GROSS PREMIUM (In Million Rp.)

PERCENTAGE PERCENTAGEPERCENTAGE PERCENTAGE

(14)

OCCUPATION : COMMERCIAL: COMMERCIAL: COMMERCIAL: COMMERCIAL ZONE

ZONE ZONE

1 0.00 50.00 3121 3121 14.12 14.12 2,181.29 2,181.29 0.30 0.30 0 0 - - - - - - 0.00 0.00 2 50.00 100.00 1699 4820 7.69 21.81 210.86 2,392.15 0.03 0.32 1 1 2.00 2.00 80.92 80.92 0.52 0.52 38.38 38.38 3 100.00 200.00 2914 7734 13.19 35.00 675.73 3,067.88 0.09 0.42 2 3 4.00 6.00 85.75 166.67 0.55 1.08 12.69 51.07 4 200.00 300.00 2202 9936 9.96 44.96 810.09 3,877.97 0.11 0.53 1 4 2.00 8.00 117.90 284.57 0.76 1.84 14.55 65.62 5 300.00 500.00 2210 12146 10.00 54.96 1,459.22 5,337.19 0.20 0.72 2 6 4.00 12.00 450.29 734.86 2.91 4.76 30.86 96.48 6 500.00 750.00 1503 13649 6.80 61.77 1,464.04 6,801.23 0.20 0.92 3 9 6.00 18.00 186.78 921.64 1.21 5.97 12.76 109.24 7 750.00 1,000.00 1124 14773 5.09 66.85 1,605.41 8,406.64 0.22 1.14 2 11 4.00 22.00 482.50 1,404.14 3.12 9.09 30.05 139.29 8 1,000.00 1,500.00 1346 16119 6.09 72.94 2,662.90 11,069.54 0.36 1.50 6 17 12.00 34.00 1,327.08 2,731.22 8.59 17.68 49.84 189.13 9 1,500.00 2,000.00 856 16975 3.87 76.82 2,155.68 13,225.22 0.29 1.80 2 19 4.00 38.00 1,253.16 3,984.38 8.11 25.79 58.13 247.26 10 2,000.00 2,500.00 596 17571 2.70 79.51 1,888.34 15,113.56 0.26 2.05 10 29 20.00 58.00 806.25 4,790.63 5.22 31.01 42.70 289.96 11 2,500.00 3,000.00 464 18035 2.10 81.61 1,878.11 16,991.67 0.25 2.31 2 31 4.00 62.00 48.75 4,839.38 0.32 31.32 2.60 292.55 12 3,000.00 4,000.00 626 18661 2.83 84.45 3,359.77 20,351.44 0.46 2.76 4 35 8.00 70.00 455.36 5,294.74 2.95 34.27 13.55 306.10 13 4,000.00 5,000.00 488 19149 2.21 86.65 3,339.67 23,691.11 0.45 3.22 1 36 2.00 72.00 4,917.14 10,211.88 31.82 66.09 147.23 453.34 14 5,000.00 7,500.00 650 19799 2.94 89.60 6,458.38 30,149.49 0.88 4.09 7 43 14.00 86.00 477.50 10,689.38 3.09 69.18 7.39 460.73 15 7,500.00 10,000.00 405 20204 1.83 91.43 5,177.41 35,326.90 0.70 4.80 0 43 - 86.00 - 10,689.38 - 69.18 0.00 460.73 16 10,000.00 20,000.00 777 20981 3.52 94.95 16,459.08 51,785.98 2.23 7.03 1 44 2.00 88.00 450.00 11,139.38 2.91 72.10 2.73 463.47 17 20,000.00 50,000.00 708 21689 3.20 98.15 35,561.56 87,347.54 4.83 11.86 1 45 2.00 90.00 348.12 11,487.50 2.25 74.35 0.98 464.45 18 50,000.00 100,000.00 268 21957 1.21 99.36 33,238.45 120,585.99 4.51 16.37 0 45 - 90.00 - 11,487.50 - 74.35 0.00 464.45 19 100,000.00 500,000.00 133 22090 0.60 99.96 36,712.21 157,298.20 4.98 21.35 5 50 10.00 100.00 3,963.28 15,450.78 25.65 100.00 10.80 475.24 20 500,000.00 UP 8 22098 0.04 100.00 579,394.47 736,692.67 78.65 100.00 0 50 - 100.00 - 15,450.78 - 100.00 0.00 475.24 F F F F

INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.)

PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE ffff PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rp rp rp rp RPRPRPRP

CLAIM FREQUENCY CLAIM FREQUENCY CLAIM FREQUENCY

BAND BAND BAND

ffff FFFF PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE NUMBER OF RISKS

NUMBER OF RISKS NUMBER OF RISKS

NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) SUM INSURED (BAND)

(In Million Rp.) (In Million Rp.) (In Million Rp.) (In Million Rp.) FROM FROM FROM

(15)

OCCUPATION : INDUSTRIAL: INDUSTRIAL: INDUSTRIAL: INDUSTRIAL ZONE

ZONE ZONE

PROCESSING DATE 27/10/200827/10/200827/10/200827/10/2008 Table C.3 Table C.3 Table C.3 Table C.3 BAND BAND BAND

1 0.00 50.00 708 708 7.47 7.47 1,246.21 1,246.21 0.17 0.17 1 1 5.56 5.56 13.72 13.72 0.00 0.00 1.10 1.10 2 50.00 100.00 310 1018 3.27 10.74 36.96 1,283.17 0.00 0.17 0 1 - 5.56 - 13.72 - 0.00 0.00 1.10 3 100.00 200.00 545 1563 5.75 16.49 131.99 1,415.16 0.02 0.19 1 2 5.56 11.11 330.26 343.98 0.06 0.06 250.22 251.32 4 200.00 300.00 380 1943 4.01 20.49 141.07 1,556.23 0.02 0.21 2 4 11.11 22.22 471.62 815.60 0.08 0.14 334.32 585.63 5 300.00 500.00 550 2493 5.80 26.29 318.04 1,874.27 0.04 0.25 3 7 16.67 38.89 552.34 1,367.94 0.09 0.23 173.67 759.30 6 500.00 750.00 416 2909 4.39 30.68 385.61 2,259.88 0.05 0.30 0 7 - 38.89 - 1,367.94 - 0.23 0.00 759.30 7 750.00 1,000.00 357 3266 3.77 34.45 491.68 2,751.56 0.07 0.37 1 8 5.56 44.44 380.34 1,748.28 0.06 0.29 77.36 836.66 8 1,000.00 1,500.00 230 3496 2.43 36.87 967.15 3,718.71 0.13 0.50 0 8 - 44.44 - 1,748.28 - 0.29 0.00 836.66 9 1,500.00 2,000.00 416 3912 4.39 41.26 1,007.26 4,725.97 0.13 0.63 0 8 - 44.44 - 1,748.28 - 0.29 0.00 836.66 10 2,000.00 2,500.00 326 4238 3.44 44.70 1,096.17 5,822.14 0.15 0.78 0 8 - 44.44 - 1,748.28 - 0.29 0.00 836.66 11 2,500.00 3,000.00 329 4567 3.47 48.17 1,226.26 7,048.40 0.16 0.94 1 9 5.56 50.00 800.00 2,548.28 0.13 0.43 65.24 901.90 12 3,000.00 4,000.00 465 5032 4.90 53.07 2,371.72 9,420.12 0.32 1.26 1 10 5.56 55.56 6.38 2,554.66 0.00 0.43 0.27 902.17 13 4,000.00 5,000.00 398 5430 4.20 57.27 2,527.76 11,947.88 0.34 1.60 0 10 - 55.56 - 2,554.66 - 0.43 0.00 902.17 14 5,000.00 7,500.00 593 6023 6.25 63.53 5,135.82 17,083.70 0.69 2.28 0 10 - 55.56 - 2,554.66 - 0.43 0.00 902.17 15 7,500.00 10,000.00 526 6549 5.55 69.07 6,392.28 23,475.98 0.85 3.14 0 10 - 55.56 - 2,554.66 - 0.43 0.00 902.17 16 10,000.00 20,000.00 953 7502 10.05 79.13 19,238.92 42,714.90 2.57 5.71 1 11 5.56 61.11 230.60 2,785.26 0.04 0.46 1.20 903.36 17 20,000.00 50,000.00 992 8494 10.46 89.59 43,981.48 86,696.38 5.88 11.59 1 12 5.56 66.67 2.20 2,787.46 0.00 0.46 0.01 903.37 18 50,000.00 100,000.00 510 9004 5.38 94.97 53,268.12 139,964.50 7.12 18.71 0 12 - 66.67 - 2,787.46 - 0.46 0.00 903.37 19 100,000.00 500,000.00 313 9317 3.30 98.27 92,902.49 232,866.99 12.42 31.13 1 13 5.56 72.22 55.64 2,843.10 0.01 0.47 0.06 903.43 20 500,000.00 UP 164 9481 1.73 100.00 515,148.24 748,015.23 68.87 100.00 5 18 27.78 100.00 596,652.28 599,495.38 99.53 100.00 115.82 1019.25

FROM TOTOTOTO FFFF PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE ffff NUMBER OF RISKS NUMBER OF RISKS NUMBER OF RISKS NUMBER OF RISKS RP RPRP RP rp rp rp

rp RPRPRPRP PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE BAND BAND BAND BAND ffff CLAIM FREQUENCY CLAIM FREQUENCY CLAIM FREQUENCY

CLAIM FREQUENCY LOSS RATIOLOSS RATIOLOSS RATIOLOSS RATIO PERCENTAGE

PERCENTAGE PERCENTAGE

PERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE INCURRED CLAIM (In Million Rp.)

INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) GROSS PREMIUM (In Million Rp.)

F FF

(16)

OCCUPATION : RESIDENTIAL: RESIDENTIAL: RESIDENTIAL: RESIDENTIAL ZONE

ZONE ZONE

1 0.00 50.00 438 438 6.20 6.20 22.05 22.05 0.04 0.04 0 0 - - - - - - 0.00 0.00 2 50.00 100.00 695 1133 9.85 16.05 74.68 96.73 0.14 0.18 2 2 8.00 8.00 15.10 15.10 0.43 0.43 20.22 20.22 3 100.00 200.00 908 2041 12.86 28.91 192.40 289.13 0.37 0.55 3 5 12.00 20.00 30.90 46.00 0.87 1.30 16.06 36.28 4 200.00 300.00 791 2832 11.21 40.12 279.89 569.02 0.53 1.08 2 7 8.00 28.00 28.43 74.43 0.80 2.11 10.16 46.44 5 300.00 500.00 818 3650 11.59 51.71 556.29 1,125.31 1.06 2.14 6 13 24.00 52.00 758.68 833.11 21.46 23.57 136.38 182.82 6 500.00 750.00 739 4389 10.47 62.18 638.78 1,764.09 1.21 3.35 2 15 8.00 60.00 12.45 845.56 0.35 23.92 1.95 184.77 7 750.00 1,000.00 566 4955 8.02 70.19 733.74 2,497.83 1.40 4.75 3 18 12.00 72.00 478.45 1,324.01 13.54 37.46 65.21 249.98 8 1,000.00 1,500.00 543 5498 7.69 77.89 941.07 3,438.90 1.79 6.54 2 20 8.00 80.00 994.85 2,318.86 28.14 65.60 105.71 355.69 9 1,500.00 2,000.00 281 5779 3.98 81.87 680.18 4,119.08 1.29 7.83 2 22 8.00 88.00 1,180.65 3,499.51 33.40 99.00 173.58 529.27 10 2,000.00 2,500.00 178 5957 2.52 84.39 692.83 4,811.91 1.32 9.15 1 23 4.00 92.00 21.00 3,520.51 0.59 99.60 3.03 532.30 11 2,500.00 3,000.00 126 6083 1.78 86.17 510.30 5,322.21 0.97 10.12 0 23 - 92.00 - 3,520.51 - 99.60 0.00 532.30 12 3,000.00 4,000.00 145 6228 2.05 88.23 848.34 6,170.55 1.61 11.73 0 23 - 92.00 - 3,520.51 - 99.60 0.00 532.30 13 4,000.00 5,000.00 120 6348 1.70 89.93 981.30 7,151.85 1.87 13.60 0 23 - 92.00 - 3,520.51 - 99.60 0.00 532.30 14 5,000.00 7,500.00 134 6482 1.90 91.83 1,247.00 8,398.85 2.37 15.97 0 23 - 92.00 - 3,520.51 - 99.60 0.00 532.30 15 7,500.00 10,000.00 121 6603 1.71 93.54 1,537.21 9,936.06 2.92 18.89 0 23 - 92.00 - 3,520.51 - 99.60 0.00 532.30 16 10,000.00 20,000.00 159 6762 2.25 95.79 3,518.30 13,454.36 6.69 25.58 1 24 4.00 96.00 12.40 3,532.91 0.35 99.95 0.35 532.65 17 20,000.00 50,000.00 167 6929 2.37 98.16 8,061.07 21,515.43 15.33 40.91 0 24 - 96.00 - 3,532.91 - 99.95 0.00 532.65 18 50,000.00 100,000.00 72 7001 1.02 99.18 7,873.16 29,388.59 14.97 55.88 1 25 4.00 100.00 1.90 3,534.81 0.05 100.00 0.02 532.68 19 100,000.00 500,000.00 49 7050 0.69 99.87 14,517.35 43,905.94 27.60 83.48 0 25 - 100.00 - 3,534.81 - 100.00 0.00 532.68 20 500,000.00 UP 9 7059 0.13 100.00 8,687.63 52,593.57 16.52 100.00 0 25 - 100.00 - 3,534.81 - 100.00 0.00 532.68 F F F F

INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.)

PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE ffff PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rp rp rp rp RPRPRPRP

CLAIM FREQUENCY CLAIM FREQUENCYCLAIM FREQUENCY

BAND BAND BAND

ffff FFFF PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE NUMBER OF RISKS

NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) SUM INSURED (BAND)

(17)

OCCUPATION : AGRICULTURAL: AGRICULTURAL: AGRICULTURAL: AGRICULTURAL ZONE

ZONE ZONE

PROCESSING DATE 27/10/200827/10/200827/10/200827/10/2008 Table C.5 Table C.5 Table C.5 Table C.5 BAND BAND BAND

1 0.00 50.00 44 44 7.32 7.32 1.13 1.13 0.00 0.00 0 0 - - - - - - 0.00 0.00 2 50.00 100.00 18 62 3.00 10.32 1.45 2.58 0.00 0.00 0 0 - - - - - - 0.00 0.00 3 100.00 200.00 23 85 3.83 14.14 4.96 7.54 0.01 0.01 0 0 - - - - - - 0.00 0.00 4 200.00 300.00 14 99 2.33 16.47 4.47 12.01 0.01 0.02 0 0 - - - - - - 0.00 0.00 5 300.00 500.00 31 130 5.16 21.63 15.91 27.92 0.02 0.04 0 0 - - - - - - 0.00 0.00 6 500.00 750.00 33 163 5.49 27.12 24.16 52.08 0.03 0.07 0 0 - - - - - - 0.00 0.00 7 750.00 1,000.00 23 186 3.83 30.95 26.78 78.86 0.03 0.10 0 0 - - - - - - 0.00 0.00 8 1,000.00 1,500.00 28 214 4.66 35.61 46.91 125.77 0.06 0.16 0 0 - - - - - - 0.00 0.00 9 1,500.00 2,000.00 31 245 5.16 40.77 65.34 191.11 0.08 0.24 0 0 - - - - - - 0.00 0.00 10 2,000.00 2,500.00 15 260 2.50 43.26 41.66 232.77 0.05 0.29 0 0 - - - - - - 0.00 0.00 11 2,500.00 3,000.00 10 270 1.66 44.93 32.41 265.18 0.04 0.34 0 0 - - - - - - 0.00 0.00 12 3,000.00 4,000.00 24 294 3.99 48.92 101.96 367.14 0.13 0.46 0 0 - - - - - - 0.00 0.00 13 4,000.00 5,000.00 31 325 5.16 54.08 150.90 518.04 0.19 0.66 0 0 - - - - - - 0.00 0.00 14 5,000.00 7,500.00 55 380 9.15 63.23 364.60 882.64 0.46 1.12 0 0 - - - - - - 0.00 0.00 15 7,500.00 10,000.00 25 405 4.16 67.39 187.17 1,069.81 0.24 1.35 0 0 - - - - - - 0.00 0.00 16 10,000.00 20,000.00 118 523 19.63 87.02 981.42 2,051.23 1.24 2.59 0 0 - - - - - - 0.00 0.00 17 20,000.00 50,000.00 39 562 6.49 93.51 1,521.59 3,572.82 1.92 4.52 1 1 100.00 100.00 500.00 500.00 100.00 100.00 32.86 32.86 18 50,000.00 100,000.00 36 598 5.99 99.50 2,537.93 6,110.75 3.21 7.73 0 1 - 100.00 - 500.00 - 100.00 0.00 32.86 19 100,000.00 500,000.00 2 600 0.33 99.83 253.95 6,364.70 0.32 8.05 0 1 - 100.00 - 500.00 - 100.00 0.00 32.86 20 500,000.00 UP 1 601 0.17 100.00 72,705.51 79,070.21 91.95 100.00 0 1 - 100.00 - 500.00 - 100.00 0.00 32.86 F FF F RP RP RP

RP PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE FROM

FROM FROM

FROM TOTOTOTO rp rp rp rp

GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) NUMBER OF RISKS

NUMBER OF RISKS CLAIM FREQUENCYCLAIM FREQUENCYCLAIM FREQUENCYCLAIM FREQUENCY LOSS RATIOLOSS RATIOLOSS RATIOLOSS RATIO BAND

BAND BAND BAND

ffff FFFF PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE SUM INSURED (BAND)

(In Million Rp.) (In Million Rp.) (In Million Rp.) (In Million Rp.)

(18)

OCCUPATION : COMMERCIAL: COMMERCIAL: COMMERCIAL: COMMERCIAL ZONE

ZONE ZONE

1 0.00 50.00 6163 6163 16.38 16.38 417.05 417.05 0.17 0.17 7 7 2.97 2.97 116.87 116.87 0.05 0.05 28.02 28.02 2 50.00 100.00 3528 9691 9.38 25.76 392.17 809.22 0.16 0.33 19 26 8.05 11.02 329.68 446.55 0.13 0.18 84.07 112.09 3 100.00 200.00 4401 14092 11.70 37.45 943.89 1,753.11 0.39 0.72 12 38 5.08 16.10 1,089.07 1,535.62 0.44 0.62 115.38 227.47 4 200.00 300.00 2832 16924 7.53 44.98 989.87 2,742.98 0.41 1.13 33 71 13.98 30.08 3,279.24 4,814.86 1.31 1.93 331.28 558.75 5 300.00 500.00 3889 20813 10.34 55.31 2,089.07 4,832.05 0.86 2.00 18 89 7.63 37.71 2,255.83 7,070.69 0.90 2.83 107.98 666.73 6 500.00 750.00 2721 23534 7.23 62.55 2,218.75 7,050.80 0.92 2.91 16 105 6.78 44.49 269.35 7,340.04 0.11 2.94 12.14 678.87 7 750.00 1,000.00 2344 25878 6.23 68.78 2,928.04 9,978.84 1.21 4.12 4 109 1.69 46.19 118.77 7,458.81 0.05 2.99 4.06 682.93 8 1,000.00 1,500.00 2315 28193 6.15 74.93 4,182.91 14,161.75 1.73 5.85 19 128 8.05 54.24 1,465.72 8,924.53 0.59 3.58 35.04 717.97 9 1,500.00 2,000.00 1528 29721 4.06 78.99 3,517.21 17,678.96 1.45 7.30 13 141 5.51 59.75 1,472.56 10,397.09 0.59 4.17 41.87 759.84 10 2,000.00 2,500.00 1018 30739 2.71 81.69 2,971.14 20,650.10 1.23 8.53 7 148 2.97 62.71 1,210.15 11,607.24 0.49 4.65 40.73 800.57 11 2,500.00 3,000.00 851 31590 2.26 83.96 2,821.99 23,472.09 1.17 9.70 5 153 2.12 64.83 2,309.77 13,917.01 0.93 5.58 81.85 882.42 12 3,000.00 4,000.00 1035 32625 2.75 86.71 4,883.64 28,355.73 2.02 11.71 12 165 5.08 69.92 2,539.80 16,456.81 1.02 6.60 52.01 934.42 13 4,000.00 5,000.00 755 33380 2.01 88.71 4,668.59 33,024.32 1.93 13.64 10 175 4.24 74.15 6,725.54 23,182.35 2.70 9.29 144.06 1078.48 14 5,000.00 7,500.00 955 34335 2.54 91.25 8,171.30 41,195.62 3.38 17.02 11 186 4.66 78.81 6,691.67 29,874.02 2.68 11.98 81.89 1160.37 15 7,500.00 10,000.00 668 35003 1.78 93.03 7,682.02 48,877.64 3.17 20.19 6 192 2.54 81.36 1,284.49 31,158.51 0.51 12.49 16.72 1177.09 16 10,000.00 20,000.00 1151 36154 3.06 96.09 23,356.20 72,233.84 9.65 29.84 11 203 4.66 86.02 19,896.06 51,054.57 7.98 20.47 85.19 1262.28 17 20,000.00 50,000.00 920 37074 2.45 98.53 41,501.82 113,735.66 17.15 46.99 20 223 8.47 94.49 53,897.23 104,951.80 21.61 42.08 129.87 1392.15 18 50,000.00 100,000.00 373 37447 0.99 99.52 38,524.06 152,259.72 15.92 62.90 4 227 1.69 96.19 12,453.48 117,405.28 4.99 47.07 32.33 1424.47 19 100,000.00 500,000.00 162 37609 0.43 99.95 46,261.13 198,520.85 19.11 82.01 9 236 3.81 100.00 132,033.52 249,438.80 52.93 100.00 285.41 1709.88 20 500,000.00 UP 18 37627 0.05 100.00 43,540.04 242,060.89 17.99 100.00 0 236 - 100.00 - 249,438.80 - 100.00 0.00 1709.88 TO TOTO TO rp rp rp rp NUMBER OF RISKS NUMBER OF RISKS NUMBER OF RISKS NUMBER OF RISKS PERCENTAGE PERCENTAGEPERCENTAGE PERCENTAGE CLAIM FREQUENCY CLAIM FREQUENCYCLAIM FREQUENCY

BAND BAND BAND

ffff FFFF PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rp rp rp rp RPRPRPRP PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE GROSS PREMIUM (In Million Rp.)

GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.)

F FF F RP RP RP

RP ffff PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE SUM INSURED (BAND)

(In Million Rp.) (In Million Rp.) (In Million Rp.) (In Million Rp.) FROM FROM FROM FROM