Informasi Statistik. 1. Catatan Statistik 3

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Sambutan Dewan Direksi PT. Asuransi Maipark Indonesia

Informasi Statistik ………. 1

Catatan Statistik ……… 3

Table A

Risk and Loss Profile All Underwriting Year, All Occupation, All Zone

7 Table B1

Risk and Loss Profile Underwriting Year 2004, All Occupation, All Zone

……… 8

Table B2

Risk and Loss Profile Underwriting Year 2005, All Occupation, All Zone

……… 9

Table B3

Risk and Loss Profile Underwriting Year 2006, All Occupation, All Zone

……… 10

Table B4

Risk and Loss Profile Underwriting Year 2007, All Occupation, All Zone

……… 11

Table B5

Risk and Loss Profile Underwriting Year 2008, All Occupation, All Zone

……… 12

Table C1

Risk and Loss Profile Underwriting Year 2004, Agricultural Occupation

All Zone ……… 13

Table C2

Risk and Loss Profile Underwriting Year 2004, Commercial Occupation

All Zone……… 14

Table C3

Risk and Loss Profile Underwriting Year 2004, Industrial Occupation

All Zone ……… 15

Table C4

Risk and Loss Profile Underwriting Year 2004, Residential Occupation

All Zone ……… 16

Table C5

Risk and Loss Profile Underwriting Year 2005, Agricultural Occupation

All Zone ……… 17

Table C6

Risk and Loss Profile Underwriting Year 2005, Commercial Occupation

All Zone ……… 18

Table C7

Risk and Loss Profile Underwriting Year 2005, Industrial Occupation

All Zone ……… 19

Table C8

Risk and Loss Profile Underwriting Year 2005, Residential Occupation

All Zone ……… 20

Table C9

Risk and Loss Profile Underwriting Year 2006, Agricultural Occupation

All Zone ……… 21

Table C10 Risk and Loss Profile Underwriting Year 2006, Commercial Occupation

All Zone ……… 22

Table C11 Risk and Loss Profile Underwriting Year 2006, Industrial Occupation

All Zone ……… 23

Table C12 Risk and Loss Profile Underwriting Year 2006, Residential Occupation

All Zone ……… 24

Table C13 Risk and Loss Profile Underwriting Year 2007, Agricultural Occupation

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Table C14 Risk and Loss Profile Underwriting Year 2007, Commercial Occupation

All Zone ……… 26

Table C15 Risk and Loss Profile Underwriting Year 2007, Industrial Occupation

All Zone ……… 27

Table C16 Risk and Loss Profile Underwriting Year 2007, Residential Occupation

All Zone ……… 28

Table C17 Risk and Loss Profile Underwriting Year 2008, Agricultural Occupation

All Zone ……… 29

Table C18 Risk and Loss Profile Underwriting Year 2008, Commercial Occupation

All Zone ……… 30

Table C19 Risk and Loss Profile Underwriting Year 2008, Industrial Occupation

All Zone ……… 31

Table C20 Risk and Loss Profile Underwriting Year 2008, Residential Occupation

All Zone ……… 32

Table D

Agregate Exposure ……… 33

Grafik D

Agregate Exposure

……… 34

Table E

Gross Premium Income ………35

Grafik E

Gross Premium Income ………36

Grafik F

Gross Premium Income By Cresta ……… 37

Grafik G

Exposure By Cresta ………..……… 38

Table H

Gross Premium Income By Occupation ……… 39

Grafik H

Gross Premium Income By Occupation ……… 40

Table I

Agregate Exposure

By Occupation ……… 41

Grafik I

Agregate Exposure

By Occupation ……… 42

Table J

Agregate Exposure

By Interest ……… 43

Grafik J

Agregate Exposure

By Interest ……… 44

Table K

Number of Risks

……… 45

Grafik K

Number of Risks

……… 46

Table L

Number of Risks By Occupation …. ……… 47

Table M

Claim Frequency By Occupation …. ……… 47

Grafik M

Claim Frequency By Occupation ….……… 49

Table N

Claim Frequency By Cresta Zone …. ……… 50

Grafik N

Claim Frequency By Cresta Zone ….……… 51

Table O

Incurred Claim By Occupation …. ……… 52

Grafik O

Incurred Claim By Occupation ….……… 53

Table P

Incurred Claim By Cresta Zone …. ……… 54

Grafik P

Incurred Claim By Cresta Zone ….……… 55

Table Q

Major Earthquakes

……… 56

Grafik Q

Earthquake Map

……… 57

Glossaries

……… 58

Attachments

Indonesia Earthquake Rate / Tariff ……… 1

First Loss Scale ……….. 2

Short Term Table ………. 3

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Ref No. : 009/M-MKT/III-10/AMI/HZ

Direksi

Seluruh Perusahaan Asuransi

Di

Tempat

Perihal : Statistik Gempa Bumi Indonesia 2004 -2008

Dengan hormat,

Bersama ini kami sampaikan Statistik Asuransi Gempa Bumi periode 2004 -2008 posisi

sampai dengan bulan Desember 2008.

Kami selalu berusaha untuk menyempurnakan laporan statistik yang kami buat. Tidak

hanya kualitas data dan hasilnya, tapi juga dalam penyajian datanya. Data yang lengkap

dan akurat yang disampaikan dalam laporan pensesian akan sangat berpengaruh terhadap

laporan statistik ini. Usaha yang kami lakukan dalam menyempurnakan laporan statistik

ini, tidak akan berarti apa-apa tanpa dukungan dari seluruh perusahaan asuransi. Oleh

karena itu, kami sangat berterima kasih atas segala kritik dan saran serta kerjasama yang

terjalin selama ini. Semoga apa yang kita lakukan selama ini akan lebih baik

kedepannya.

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 perhatiannya yang baik kami ucapkan terima kasih.

Jakarta, 15 Maret 2010

Hormat kami,

Seluruh Perusahaan Asuransi

Di

Kepada Yth,

Frans Y. Sahusilawane

Presiden Direktur

Bisma Subrata

Direktur

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Page 1

INFORMASI STATISTIK

1. Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan

posisi 31 Desember 2008

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 persen) 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 persen) 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 persentase

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

mensesikan risiko dimaksud, dengan catatan jumlah seluruh sesi

perusahaan asuransi bersangkutan tidak melebihi ketentuan yang diatur

pada butir 2.3.

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Page 2

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.

9. Untuk menggambarkan premi dan harga pertanggungan yang sebenarnya dalam

penutupan asuransi gempa bumi berdasarkan ko-asuransi, diharapkan agar

seluruh anggota ko-asuransi mensesikan risiko gempa bumi tersebut.

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Page 3

CATATAN STATISTIK 2008

1. PREMI BRUTO DAN JUMLAH RISIKO

Seiring dengan meningkatnya laju pertumbuhan ekonomi Indonesia dari tahun

ke tahun, bisnis asuransi pun mengalami peningkatan yang cukup berarti dan

bervariasi dari tahun ke tahun. Secara nasional dan berdasarkan data yang

dikumpulkan oleh MAIPARK, premi bruto untuk portfolio tahun underwriting

2007 sampai dengan posisi 31 Desember 2008 adalah sebesar Rp. 1,79 Trilyun.

Selanjutnya, premi Bruto untuk tahun underwriting year 2008 telah mencapai

Rp. 1.07 Trilyun. Diperkirakan premi tersebut akan terus mengalami

peningkatan karena proses pensesian masih terus berjalan. Tabel 1.1. dibawah

ini menggambarkan tren kenaikan yang dimaksud untuk masing-tahun protfolio.

Bagian terbesar premi bruto dari portfolio underwriting 2004 hingga 2007

adalah premi dari okupasi Industrial yaitu sekitar 63% dari portfolio setiap

tahun underwriting yang dimaksud. Untuk tahun underwriting 2007 saja, premi

bruto yang diperoleh dari okupasi ini adalah sebesar Rp.1,3 Trilyun atau

72,63% dari total premi bruto pada portfolio tahun underwriting yang sama.

Selanjutnya, penyebaran risiko asuransi gempa bumi masih terpusat di zona 3 (

DKI Jakarta dan Jawa Barat ). Hal ini terlihat dari tingkat premi bruto di wilayah

ini yaitu sekitar 60% dari setiap portfolio tahun underwriting. Contohnya, untuk

portfolio tahun 2007, premi bruto yang dihasilkan untuk zona 3 adalah sebesar

Rp. 774 Milyar.Kemudian diikuti oleh Zona 5 ( Jawa Timur ) dan Zona 2 (

Sumatera Selatan ). Tabel 1.3. dibawah ini menggambarkan hal ini.

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Page 4

Pertumbuhan jumlah risiko pada portfolio underwriting 2007 tercatat sebesar

13% jika dibanding dengan portfolio tahun underwriting 2006. Untuk tahun

underwriting 2006, 2007, dan 2008, kami mulai memisahkan risiko multi

location

dalam catatan statistik kami. Saat ini kami masih mencoba melakukan

hal yang sama untuk tahun underwriting 2005 dan sebelumnya. Hasil ini akan

kami sampaikan pada laporan statistik selanjutnya sehingga kita dapat melihat

tingkat pertumbuhan jumlah risiko dengan lebih tepat.

2. LOSS RATIO

Pada portfolio uderwriting tahun 2005 hingga tahun 2008, tingkat loss ratio

okupasi commercial lebih tinggi dari loss ratio okupasi lainnya. Hanya pada

portfolio 2004 saja okupasi Industrial lebih tinggi dari yang lain. Hal ini

disebabkan oleh klaim besar yaitu klaim Semen Andalas pada kejadian Gempa

Bumi yang diikuti Tsunami di Aceh pada tanggal 26 Desember 2004. Hal ini

menunjukkan okupasi Commercial memiliki tingkat kerugian paling tinggi dari

okupasi lainnya yaitu dengan rata–rata setiap tahun underwriting, tingkat loss

rasionya mencapai 19,02%. Hal ini perlu dicermati oleh para underwriter

asuransi. Selanjutnya, tingkat kerugian tertinggi setelah okupasi Commercial

adalah okupasi Industrial dan Residential dengan rata-rata tingkat loss ratio

sebesar 11,54% dan 3,02%. Sedangkan okupasi Aggricultural terlihat lebih

aman dengan rata-rata tingkat loss ratio hanya 1,59%. Catatan yang lebih

menarik yaitu untuk portfolio tahun underwriting 2007 dimana kerugian yang

dialami oleh okupasi Commercial tercatat sebesar Rp. 90 Milyar atau 90% dari

total kerugian di tahun underwriting 2007. Tabel 1.5. menggambarkan narasi

diatas.

Tabel 1.2

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Page 5

3. KLAIM

Pada pembahasan klaim ini, kami ingin menjelaskan secara singkat beberapa

peristiwa klaim gempa bumi yang terjadi sepanjang MAIPARK berdiri yaitu

dari mulai tahun 2004 hingga tahun 2008.

Tingkat kerugian klaim terbesar terjadi pada peristiwa gempa dan tsunami di

Aceh pada tanggal 26 Desember 2004 dengan total klaim sebesar Rp. 612

Milyar sebagaimana tercatat pada posisi 31 Desember 2008. Diikuti selanjutnya

oleh klaim gempa bumi di Yogyakarta pada tanggal 27 Mei 2006 dengan nilai

kerugian Rp. 255 Milyar. Dari jumlah risiko, angka tertinggi terdapat pada

peristiwa gempa bumi Bengkulu 12 September 2007 dengan total 452 risiko.

Kemudian diikuti oleh gempa bumi di Yogyakarta 27 Mei 2006 dimana terdapat

368 risiko yang mengalami kerusakan.

Tabel 1.6 berikut ini menyajikan rincian klaim per kejadian yang tercatat sampai

dengan 31 Desember 2008.

Tabel 1.5

Tabel 1.4

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Page 6

Sebagai penutup catatan statistik, kami masih mengalami kesulitan dalam proses

pembuatan statitik ini dikarenakan masih banyaknya ketidakseragaman data

pensesian yang kami terima. Walaupun sekarang ini jauh lebih baik karena

semakin baiknya kesadaran ceding company dalam melakukan keseragaman

proses pensesian sesuai pedoman pensesian yang ada. Keakurasian data

pensesian ini amat penting bagi kita semua untuk menghasilkan statistik yang

lebih baik, akurat serta cepat.

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UNDERWRITING YEAR : ALL DATA POSITION FROM 01/01/2008 OCCUPATION : ALL ZONE : ALL TO 31/12/2008 PROCESSING DATE 01/07/2009 Table B.6 BAND (d)/ ∑(d) CUM. ∑(f) BAND (i)/ ∑(i) CUM. ∑(j) BAND (m)/∑(m) CUM. ∑(n) BAND (q)/ ∑(q) CUM. ∑(r) BAND (p)/(h) CUM. (q)/(i)

(a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u)

1 0.00 50.00 40,965 40,965 11.65 11.65 1,865.97 1,865.97 0.02 0.02 22 22 1.97 1.97 406.52 406.52 0.04 0.04 21.79 21.79 2 50.00 100.00 24,004 64,969 6.83 18.48 2,085.24 3,951.21 0.03 0.05 46 68 4.12 6.09 917.44 1,323.97 0.09 0.13 44.00 33.51 3 100.00 200.00 37,078 102,047 10.54 29.02 6,211.21 10,162.42 0.08 0.13 83 151 7.44 13.53 2,906.11 4,230.08 0.28 0.41 46.79 41.62 4 200.00 300.00 28,011 130,058 7.97 36.99 7,959.11 18,121.53 0.10 0.23 104 255 9.32 22.85 5,462.83 9,692.90 0.53 0.95 68.64 53.49 5 300.00 500.00 37,014 167,072 10.53 47.51 18,600.73 36,722.26 0.24 0.46 141 396 12.63 35.48 6,839.38 16,532.28 0.67 1.61 36.77 45.02 6 500.00 750.00 33,922 200,994 9.65 57.16 24,548.18 61,270.44 0.31 0.77 131 527 11.74 47.22 7,269.93 23,802.21 0.71 2.32 29.61 38.85 7 750.00 1,000.00 19,603 220,597 5.57 62.74 20,191.94 81,462.38 0.26 1.03 63 590 5.65 52.87 3,471.20 27,273.42 0.34 2.66 17.19 33.48 8 1,000.00 1,500.00 26,235 246,832 7.46 70.20 39,074.20 120,536.58 0.49 1.52 109 699 9.77 62.63 11,267.67 38,541.09 1.10 3.76 28.84 31.97 9 1,500.00 2,000.00 14,453 261,285 4.11 74.31 31,950.96 152,487.54 0.40 1.93 45 744 4.03 66.67 7,561.45 46,102.54 0.74 4.49 23.67 30.23 10 2,000.00 2,500.00 10,469 271,754 2.98 77.29 26,791.22 179,278.76 0.34 2.27 36 780 3.23 69.89 4,297.67 50,400.21 0.42 4.91 16.04 28.11 11 2,500.00 3,000.00 7,403 279,157 2.11 79.39 23,756.68 203,035.44 0.30 2.57 23 803 2.06 71.95 4,093.95 54,494.15 0.40 5.31 17.23 26.84 12 3,000.00 4,000.00 10,395 289,552 2.96 82.35 41,406.13 244,441.56 0.52 3.09 46 849 4.12 76.08 8,292.12 62,786.27 0.81 6.12 20.03 25.69 f F ∑(l) PERCENTAGE FROM TO RP ∑(h)

GROSS PREMIUM (In Million Rp.) rp f F ∑(d) PERCENTAGE PERCENTAGE rp RP ∑(p)

INCURRED CLAIM (In Million Rp.)

PT. Asuransi MAIPARK Indonesia

RISK & LOSS PROFILE

CLAIM FREQUENCY LOSS RATIO

BAND

SUM INSURED (BAND) (In

Million Rp.) NUMBER OF RISKS

PERCENTAGE PERCENTAGE Page 7 , , , , , , , , 13 4,000.00 5,000.00 7,407 296,959 2.11 84.45 38,295.08 282,736.65 0.48 3.57 34 883 3.05 79.12 7,864.96 70,651.23 0.77 6.89 20.54 24.99 14 5,000.00 7,500.00 11,170 308,129 3.18 87.63 77,524.89 360,261.54 0.98 4.55 41 924 3.67 82.80 20,282.41 90,933.64 1.98 8.87 26.16 25.24 15 7,500.00 10,000.00 6,929 315,058 1.97 89.60 68,561.69 428,823.23 0.87 5.42 15 939 1.34 84.14 3,244.95 94,178.59 0.32 9.18 4.73 21.96 16 10,000.00 20,000.00 12,526 327,584 3.56 93.16 204,507.18 633,330.42 2.58 8.00 38 977 3.41 87.54 30,999.19 125,177.78 3.02 12.20 15.16 19.77 17 20,000.00 50,000.00 11,476 339,060 3.26 96.43 426,358.31 1,059,688.72 5.39 13.39 53 1030 4.75 92.29 61,710.18 186,887.96 6.02 18.22 14.47 17.64 18 50,000.00 100,000.00 5,617 344,677 1.60 98.02 482,707.92 1,542,396.65 6.10 19.49 26 1056 2.33 94.62 20,771.51 207,659.47 2.03 20.25 4.30 13.46 19 100,000.00 500,000.00 5,466 350,143 1.55 99.58 1,527,655.81 3,070,052.46 19.30 38.79 44 1100 3.94 98.57 142,603.35 350,262.82 13.90 34.15 9.33 11.41 20 500,000.00 UP 1,481 351,624 0.42 100.00 4,293,321.70 7,363,374.16 54.25 93.04 16 1116 1.43 100.00 614,875.14 965,137.96 59.95 94.10 14.32 13.11 0.00 351,624 0.00 100.00 550,535.55 7,913,909.70 6.96 100.00 3 1119 0.00 100.00 60,511.26 1,025,649.22 5.90 100.00 10.99 12.96

*) Undefined = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai satu resiko * ) Undefined

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UNDERWRITING YEAR UNDERWRITING YEAR UNDERWRITING YEAR

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 OCCUPATION OCCUPATION

OCCUPATION : ALL: ALL: ALL: ALL ZONE

ZONE ZONE

ZONE : ALL: ALL: ALL: ALL TOTOTOTO 31/12/200831/12/200831/12/200831/12/2008

PROCESSING DATE PROCESSING DATEPROCESSING DATE

PROCESSING DATE 01/07/200901/07/200901/07/200901/07/2009 Table B.2 Table B.2 Table B.2 Table B.2 BAND BAND BAND BAND (d)/ (d)/ (d)/ (d)/ ∑(d)∑(d)∑(d)∑(d) CUM. CUM. CUM. CUM. ∑(f) ∑(f) ∑(f) ∑(f) BAND BAND BAND BAND (i)/ (i)/ (i)/ (i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM. ∑(j) ∑(j) ∑(j) ∑(j) BAND BAND BAND BAND (m)/ (m)/ (m)/ (m)/ ∑(m)∑(m)∑(m)∑(m) CUM. CUM. CUM. CUM. ∑(n) ∑(n)∑(n) ∑(n) BAND BAND BAND BAND (q)/ (q)/ (q)/ (q)/ ∑(q)∑(q)∑(q)∑(q) CUM. CUM. CUM. CUM. ∑(r) ∑(r)∑(r) ∑(r) BAND BAND BAND BAND (p)/(h) (p)/(h)(p)/(h) (p)/(h) CUM. CUM. CUM. CUM. (q)/(i) (q)/(i)(q)/(i) (q)/(i)

(a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t)(t)(t)(t) (u)(u)(u)(u)

1 0.00 50.00 5,556 5,556 10.61 2 50.00 100.00 3,880 9,436 3 100.00 200.00 5,786 15,222 4 200.00 300.00 4,275 19,497 5 300.00 500.00 5,262 24,759 6 500.00 750.00 3,516 28,275 7 750.00 1,000.00 2,789 31,064 8 1,000.00 1,500.00 3,299 34,363 9 1,500.00 2,000.00 2,020 36,383 10 2,000.00 2,500.00 1,509 37,892 11 2,500.00 3,000.00 1,192 39,084 12 3,000.00 4,000.00 1,603 40,687 13 4,000.00 5,000.00 1,307 41,994 14 5,000.00 7,500.00 1,829 43,823 15 7,500.00 10,000.00 1,244 45,067 16 10,000.00 20,000.00 2,405 47,472 17 20,000.00 50,000.00 2,438 49,910 18 50,000.00 100,000.00 1,181 51,091 19 100,000.00 500,000.00 1,033 52,124 20 500,000.00 UP 262 52,386 10.61 156.24 156.24 0.01 0.01 1 1 1.23 1.23 11.33 11.33 0.00 0.00 7.25 7.25 7.41 18.01 340.78 497.02 0.02 0.03 2 3 2.47 3.70 82.34 93.66 0.01 0.02 24.16 18.84 11.04 29.06 1,035.47 1,532.49 0.07 0.11 9 12 11.11 14.81 529.76 623.42 0.09 0.10 51.16 40.68 8.16 37.22 1,274.37 2,806.86 0.09 0.19 8 20 9.88 24.69 625.69 1,249.11 0.10 0.20 49.10 44.50 10.04 47.26 2,743.41 5,550.27 0.19 0.39 6 26 7.41 32.10 1,067.94 2,317.05 0.17 0.37 38.93 41.75 6.71 53.97 2,601.37 8,151.64 0.18 0.57 9 35 11.11 43.21 829.60 3,146.65 0.13 0.51 31.89 38.60 5.32 59.30 3,089.29 11,240.93 0.21 0.78 5 40 6.17 49.38 1,044.06 4,190.71 0.17 0.68 33.80 37.28 6.30 65.60 5,759.78 17,000.71 0.40 1.18 9 49 11.11 60.49 3,562.43 7,753.14 0.57 1.25 61.85 45.60 3.86 69.45 4,070.59 21,071.30 0.28 1.46 4 53 4.94 65.43 2,500.21 10,253.35 0.40 1.65 61.42 48.66 2.88 72.33 3,954.52 25,025.82 0.27 1.74 3 56 3.70 69.14 110.07 10,363.42 0.02 1.67 2.78 41.41 2.28 74.61 4,303.30 29,329.12 0.30 2.04 2 58 2.47 71.60 887.14 11,250.56 0.14 1.81 20.62 38.36 3.06 77.67 6,713.43 36,042.55 0.47 2.50 3 61 3.70 75.31 385.29 11,635.85 0.06 1.88 5.74 32.28 2.49 80.16 7,041.99 43,084.54 0.49 2.99 0 61 0.00 75.31 0.00 11,635.85 0.00 1.88 0.00 27.01 3.49 83.65 13,665.13 56,749.67 0.95 3.94 2 63 2.47 77.78 5,249.54 16,885.40 0.85 2.72 38.42 29.75 2.37 86.03 12,725.56 69,475.23 0.88 4.82 0 63 0.00 77.78 0.00 16,885.40 0.00 2.72 0.00 24.30 4.59 90.62 42,416.22 111,891.45 2.95 7.77 5 68 6.17 83.95 899.99 17,785.38 0.15 2.87 2.12 15.90 4.65 95.27 97,682.49 209,573.94 6.78 14.55 3 71 3.70 87.65 350.96 18,136.35 0.06 2.92 0.36 8.65 2.25 97.53 105,025.45 314,599.39 7.29 21.85 1 72 1.23 88.89 1.90 18,138.25 0.00 2.92 0.00 5.77 1.97 99.50 275,477.29 590,076.68 19.13 40.98 5 77 6.17 95.06 957.48 19,095.72 0.15 3.08 0.35 3.24 0.50 100.00 849,846.08 1,439,922.76 59.02 100.00 4 81 4.94 100.00 601,238.98 620,334.71 96.92 100.00 70.75 43.08

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

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

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

BAND BAND BAND

BAND ffff _∑(d)_∑(d)_∑(d)_∑(d)F F F F PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE _∑(l)_∑(l)_∑(l)_∑(l)F F F F rprprprp PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE 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.) ffff PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE RP RP RP RP

∑(p) ∑(p) ∑(p) ∑(p) rp rprp rp RP RP RP RP ∑(h) ∑(h) ∑(h) ∑(h) Page 8

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UNDERWRITING YEAR UNDERWRITING YEARUNDERWRITING YEAR

OCCUPATION OCCUPATIONOCCUPATION

ZONEZONE

PROCESSING DATE PROCESSING DATE PROCESSING DATE PROCESSING DATE 01/07/200901/07/200901/07/200901/07/2009 Table B.3 Table B.3Table B.3 Table B.3 BAND BAND BAND BAND (d)/ (d)/(d)/ (d)/ ∑(d)∑(d)∑(d)∑(d) CUM. CUM. CUM. CUM. ∑(f) ∑(f) ∑(f) ∑(f) BAND BAND BAND BAND (i)/ (i)/ (i)/ (i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM. ∑(j) ∑(j)∑(j) ∑(j) BAND BAND BAND BAND (m)/ (m)/ (m)/ (m)/ ∑(m)∑(m)∑(m)∑(m) CUM. CUM. CUM. CUM. ∑(n) ∑(n) ∑(n) ∑(n) BAND BAND BAND BAND (q)/ (q)/ (q)/ (q)/ ∑(q)∑(q)∑(q)∑(q) CUM. CUM. CUM. CUM. ∑(r) ∑(r)∑(r) ∑(r) BAND BAND BAND BAND (p)/(h) (p)/(h)(p)/(h) (p)/(h) CUM. CUM. CUM. CUM. (q)/(i) (q)/(i) (q)/(i) (q)/(i)

1 0.00 50.00 11,071 11,071 13.45 13.45 294.27 294.27 0.02 0.02 7 7 2.56 2.56 94.65 94.65 0.04 0.04 32.16 32.16 2 50.00 100.00 7,060 18,131 8.58 22.03 610.63 904.90 0.03 0.05 21 28 7.69 10.26 342.50 437.15 0.16 0.20 56.09 48.31 3 100.00 200.00 9,211 27,342 11.19 33.23 1,634.86 2,539.76 0.09 0.13 19 47 6.96 17.22 1,154.40 1,591.55 0.54 0.74 70.61 62.67 4 200.00 300.00 6,152 33,494 7.48 40.70 1,806.71 4,346.47 0.09 0.23 35 82 12.82 30.04 3,447.48 5,039.03 1.60 2.34 190.82 115.93 5 300.00 500.00 8,149 41,643 9.90 50.61 5,167.38 9,513.85 0.27 0.50 23 105 8.42 38.46 2,623.93 7,662.96 1.22 3.56 50.78 80.55 6 500.00 750.00 5,858 47,501 7.12 57.72 4,174.06 13,687.91 0.22 0.72 20 125 7.33 45.79 541.62 8,204.58 0.25 3.81 12.98 59.94 7 750.00 1,000.00 4,729 52,230 5.75 63.47 4,886.43 18,574.34 0.26 0.97 7 132 2.56 48.35 205.91 8,410.49 0.10 3.91 4.21 45.28 8 1,000.00 1,500.00 4,994 57,224 6.07 69.54 9,269.49 27,843.83 0.49 1.46 27 159 9.89 58.24 2,422.07 10,832.56 1.13 5.04 26.13 38.90 9 1,500.00 2,000.00 3,195 60,419 3.88 73.42 9,716.78 37,560.61 0.51 1.97 19 178 6.96 65.20 1,873.78 12,706.34 0.87 5.91 19.28 33.83 10 2,000.00 2,500.00 2,151 62,570 2.61 76.04 5,481.54 43,042.15 0.29 2.26 9 187 3.30 68.50 1,688.84 14,395.19 0.79 6.69 30.81 33.44 11 2,500.00 3,000.00 1,770 64,340 2.15 78.19 5,567.92 48,610.07 0.29 2.55 5 192 1.83 70.33 613.06 15,008.25 0.29 6.98 11.01 30.87 12 3,000.00 4,000.00 2,416 66,756 2.94 81.12 9,510.21 58,120.28 0.50 3.05 12 204 4.40 74.73 2,361.05 17,369.30 1.10 8.08 24.83 29.89 13 4,000.00 5,000.00 1,868 68,624 2.27 83.39 9,542.46 67,662.73 0.50 3.55 12 216 4.40 79.12 4,490.37 21,859.67 2.09 10.16 47.06 32.31 14 5,000.00 7,500.00 2,684 71,308 3.26 86.65 18,273.90 85,936.63 0.96 4.51 9 225 3.30 82.42 6,414.79 28,274.46 2.98 13.15 35.10 32.90 15 7,500.00 10,000.00 1,767 73,075 2.15 88.80 17,454.99 103,391.62 0.92 5.42 1 226 0.37 82.78 5.07 28,279.53 0.00 13.15 0.03 27.35 16 10,000.00 20,000.00 3,268 76,343 3.97 92.77 55,031.58 158,423.20 2.89 8.31 8 234 2.93 85.71 17,550.94 45,830.47 8.16 21.31 31.89 28.93 17 20,000.00 50,000.00 2,963 79,306 3.60 96.37 115,769.68 274,192.88 6.07 14.38 20 254 7.33 93.04 37,032.55 82,863.03 17.22 38.53 31.99 30.22 18 50,000.00 100,000.00 1,439 80,745 1.75 98.12 136,652.78 410,845.66 7.17 21.54 4 258 1.47 94.51 4,425.89 87,288.92 2.06 40.59 3.24 21.25 19 100,000.00 500,000.00 1,258 82,003 1.53 99.65 480,672.08 891,517.74 25.20 46.74 10 268 3.66 98.17 127,300.74 214,589.66 59.19 99.78 26.48 24.07 20 500,000.00 UP 287 82,290 0.35 100.00 1,015,690.75 1,907,208.49 53.26 100.00 5 273 1.83 100.00 472.23 215,061.89 0.22 100.00 0.05 11.28

PT. Asuransi MAIPARK Indonesia PT. Asuransi MAIPARK Indonesia PT. Asuransi MAIPARK Indonesia PT. Asuransi MAIPARK Indonesia

RISK & LOSS PROFILE

CLAIM FREQUENCY CLAIM FREQUENCY CLAIM FREQUENCY

CLAIM FREQUENCY LOSS RATIOLOSS RATIOLOSS RATIOLOSS RATIO

BAND BAND BAND BAND

Million Rp.) Million Rp.)Million Rp.)

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

PERCENTAGE PERCENTAGEPERCENTAGE PERCENTAGE FROM FROM FROM FROM TOTOTOTO ffff F F F F ∑(d) ∑(d) ∑(d) ∑(d) PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE rprprprp RP RP RP RP ∑(h) ∑(h)∑(h) ∑(h)

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 ∑(l) ∑(l) ∑(l) ∑(l) rp rprp rp

ffff PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE RP RP RP RP ∑(p) ∑(p) ∑(p) ∑(p)

(13)

ZONE ZONE

PROCESSING DATE PROCESSING DATE PROCESSING DATE PROCESSING DATE 01/07/200901/07/200901/07/200901/07/2009 Table B.4 Table B.4 Table B.4 Table B.4 BAND BAND BAND BAND (d)/ (d)/(d)/ (d)/ ∑(d)∑(d)∑(d)∑(d) CUM. CUM. CUM. CUM. ∑(f) ∑(f) ∑(f) ∑(f) BAND BAND BAND BAND (i)/ (i)/ (i)/ (i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM. ∑(j) ∑(j)∑(j) ∑(j) BAND BAND BAND BAND (m)/ (m)/ (m)/ (m)/ ∑(m)∑(m)∑(m)∑(m) CUM. CUM. CUM. CUM. ∑(n) ∑(n) ∑(n) ∑(n) BAND BAND BAND BAND (q)/ (q)/ (q)/ (q)/ ∑(q)∑(q)∑(q)∑(q) CUM. CUM. CUM. CUM. ∑(r) ∑(r)∑(r) ∑(r) BAND BAND BAND BAND (p)/(h) (p)/(h)(p)/(h) (p)/(h) CUM. CUM. CUM. CUM. (q)/(i) (q)/(i)(q)/(i) (q)/(i)

1 0.00 50.00 9,393 9,393 13.24 13.24 959.37 959.37 0.06 0.06 11 11 2.78 2.78 237.66 237.66 0.30 0.30 24.77 24.77 2 50.00 100.00 3,992 13,385 5.63 18.87 371.44 1,330.81 0.02 0.08 18 29 4.56 7.34 415.36 653.02 0.53 0.83 111.83 49.07 3 100.00 200.00 6,959 20,344 9.81 28.68 1,130.58 2,461.39 0.07 0.14 30 59 7.59 14.94 746.90 1,399.92 0.95 1.78 66.06 56.88 4 200.00 300.00 5,746 26,090 8.10 36.78 1,550.61 4,011.99 0.09 0.24 27 86 6.84 21.77 693.97 2,093.89 0.88 2.67 44.75 52.19 5 300.00 500.00 7,991 34,081 11.27 48.05 3,477.07 7,489.06 0.20 0.44 49 135 12.41 34.18 1,815.44 3,909.33 2.31 4.98 52.21 52.20 6 500.00 750.00 7,089 41,170 9.99 58.04 4,811.96 12,301.02 0.28 0.72 53 188 13.42 47.59 3,497.58 7,406.91 4.46 9.44 72.69 60.21 7 750.00 1,000.00 3,511 44,681 4.95 62.99 3,369.35 15,670.37 0.20 0.92 25 213 6.33 53.92 1,410.01 8,816.92 1.80 11.24 41.85 56.26 8 1,000.00 1,500.00 5,518 50,199 7.78 70.77 7,237.72 22,908.08 0.43 1.35 35 248 8.86 62.78 3,209.49 12,026.41 4.09 15.33 44.34 52.50 9 1,500.00 2,000.00 2,926 53,125 4.13 74.90 5,445.22 28,353.30 0.32 1.67 9 257 2.28 65.06 1,480.23 13,506.64 1.89 17.21 27.18 47.64 10 2,000.00 2,500.00 2,210 55,335 3.12 78.01 5,330.32 33,683.62 0.31 1.98 11 268 2.78 67.85 1,578.44 15,085.08 2.01 19.22 29.61 44.78 11 2,500.00 3,000.00 1,483 56,818 2.09 80.10 4,332.81 38,016.43 0.26 2.24 6 274 1.52 69.37 890.86 15,975.94 1.14 20.36 20.56 42.02 12 3,000.00 4,000.00 2,164 58,982 3.05 83.15 8,065.36 46,081.80 0.48 2.71 16 290 4.05 73.42 1,889.31 17,865.25 2.41 22.77 23.42 38.77 13 4,000.00 5,000.00 1,428 60,410 2.01 85.17 6,873.93 52,955.72 0.40 3.12 12 302 3.04 76.46 2,345.77 20,211.02 2.99 25.76 34.13 38.17 14 5,000.00 7,500.00 2,269 62,679 3.20 88.36 14,582.21 67,537.93 0.86 3.98 17 319 4.30 80.76 6,785.60 26,996.62 8.65 34.40 46.53 39.97 15 7,500.00 10,000.00 1,211 63,890 1.71 90.07 11,057.45 78,595.38 0.65 4.63 11 330 2.78 83.54 1,500.08 28,496.70 1.91 36.31 13.57 36.26 16 10,000.00 20,000.00 2,415 66,305 3.40 93.48 34,845.90 113,441.28 2.05 6.68 16 346 4.05 87.59 10,274.74 38,771.45 13.09 49.41 29.49 34.18 17 20,000.00 50,000.00 2,105 68,410 2.97 96.44 68,942.87 182,384.14 4.06 10.74 17 363 4.30 91.90 15,009.48 53,780.93 19.13 68.53 21.77 29.49 18 50,000.00 100,000.00 1,038 69,448 1.46 97.91 76,935.71 259,319.86 4.53 15.27 13 376 3.29 95.19 6,918.68 60,699.60 8.82 77.35 8.99 23.41 19 100,000.00 500,000.00 1,136 70,584 1.60 99.51 248,816.50 508,136.36 14.65 29.93 14 390 3.54 98.73 5,337.23 66,036.84 6.80 84.15 2.15 13.00 20 500,000.00 UP 348 70,932 0.49 100.00 936,058.99 1,444,195.35 55.13 85.06 5 395 1.27 100.00 12,435.62 78,472.46 15.85 100.00 1.33 5.43 253,757.23 1,697,952.58 14.94 100.00 0 395 0.00 100.00 0.00 78,472.46 0.00 100.00 0.00 4.62

*) Undefined = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai satu resiko * ) Undefined

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 F F F F ∑(d)∑(d)∑(d)∑(d) PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rprprprp RP RP RP RP PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE

∑(h) ∑(h) ∑(h) ∑(h) CLAIM FREQUENCY CLAIM FREQUENCY CLAIM FREQUENCY

BAND BANDBAND BAND

Million Rp.) Million Rp.) Million Rp.)

PERCENTAGE PERCENTAGEPERCENTAGE PERCENTAGE FROM FROM FROM FROM TOTOTOTO

ffff PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE RP RP RP RP PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE ∑(p) ∑(p)∑(p) ∑(p) F F F F ∑(l) ∑(l) ∑(l) ∑(l) rp rp rp rp Page 10

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ZONEZONE

PROCESSING DATE PROCESSING DATE PROCESSING DATE PROCESSING DATE 01/07/200901/07/200901/07/200901/07/2009 Table B.5 Table B.5Table B.5 Table B.5 BAND BAND BAND BAND (d)/ (d)/ (d)/ (d)/ ∑(d)∑(d)∑(d)∑(d) CUM. CUM. CUM. CUM. ∑(f) ∑(f)∑(f) ∑(f) BAND BAND BAND BAND (i)/ (i)/ (i)/ (i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM. ∑(j) ∑(j) ∑(j) ∑(j) BAND BAND BAND BAND (m)/ (m)/(m)/ (m)/ ∑(m)∑(m)∑(m)∑(m) CUM. CUM. CUM. CUM. ∑(n) ∑(n)∑(n) ∑(n) BAND BAND BAND BAND (q)/ (q)/(q)/ (q)/ ∑(q)∑(q)∑(q)∑(q) CUM. CUM. CUM. CUM. ∑(r) ∑(r) ∑(r) ∑(r) BAND BAND BAND BAND (p)/(h) (p)/(h) (p)/(h) (p)/(h) CUM. CUM. CUM. CUM. (q)/(i) (q)/(i) (q)/(i) (q)/(i)

1 0.00 50.00 6,479 6,479 8.04 8.04 228.13 228.13 0.01 0.01 3 3 0.82 0.82 62.89 62.89 0.06 0.06 27.57 27.57 2 50.00 100.00 4,216 10,695 5.23 13.27 445.00 673.13 0.02 0.04 5 8 1.37 2.19 77.25 140.14 0.08 0.14 17.36 20.82 3 100.00 200.00 8,057 18,752 10.00 23.27 1,397.04 2,070.16 0.08 0.12 25 33 6.85 9.04 475.05 615.18 0.48 0.62 34.00 29.72 4 200.00 300.00 6,729 25,481 8.35 31.62 1,899.98 3,970.14 0.11 0.22 34 67 9.32 18.36 695.68 1,310.87 0.70 1.32 36.62 33.02 5 300.00 500.00 9,036 34,517 11.21 42.83 4,144.62 8,114.76 0.23 0.45 62 129 16.99 35.34 1,312.07 2,622.94 1.32 2.64 31.66 32.32 6 500.00 750.00 8,593 43,110 10.66 53.49 6,276.62 14,391.38 0.35 0.80 49 178 13.42 48.77 2,401.13 5,024.07 2.41 5.05 38.26 34.91 7 750.00 1,000.00 4,562 47,672 5.66 59.15 4,686.34 19,077.72 0.26 1.07 26 204 7.12 55.89 811.22 5,835.29 0.82 5.86 17.31 30.59 8 1,000.00 1,500.00 7,898 55,570 9.80 68.95 10,267.05 29,344.77 0.57 1.64 37 241 10.14 66.03 2,023.68 7,858.97 2.03 7.90 19.71 26.78 9 1,500.00 2,000.00 3,762 59,332 4.67 73.62 7,557.59 36,902.36 0.42 2.06 13 254 3.56 69.59 1,707.24 9,566.21 1.72 9.61 22.59 25.92 10 2,000.00 2,500.00 2,740 62,072 3.40 77.02 7,105.84 44,008.20 0.40 2.46 13 267 3.56 73.15 920.31 10,486.52 0.92 10.54 12.95 23.83 11 2,500.00 3,000.00 1,809 63,881 2.24 79.26 5,796.32 49,804.52 0.32 2.78 10 277 2.74 75.89 1,702.88 12,189.40 1.71 12.25 29.38 24.47 12 3,000.00 4,000.00 2,576 66,457 3.20 82.46 10,418.55 60,223.06 0.58 3.36 15 292 4.11 80.00 3,656.46 15,845.87 3.67 15.92 35.10 26.31 13 4,000.00 5,000.00 1,697 68,154 2.11 84.56 8,847.80 69,070.86 0.49 3.86 10 302 2.74 82.74 1,028.83 16,874.69 1.03 16.95 11.63 24.43 14 5,000.00 7,500.00 2,732 70,886 3.39 87.95 19,142.48 88,213.34 1.07 4.93 13 315 3.56 86.30 1,832.47 18,707.16 1.84 18.79 9.57 21.21 15 7,500.00 10,000.00 1,604 72,490 1.99 89.94 15,871.60 104,084.94 0.89 5.81 1 316 0.27 86.58 37.93 18,745.09 0.04 18.83 0.24 18.01 16 10,000.00 20,000.00 2,743 75,233 3.40 93.35 44,567.37 148,652.31 2.49 8.30 9 325 2.47 89.04 2,273.52 21,018.61 2.28 21.12 5.10 14.14 17 20,000.00 50,000.00 2,493 77,726 3.09 96.44 89,488.88 238,141.18 5.00 13.30 13 338 3.56 92.60 9,317.18 30,335.79 9.36 30.48 10.41 12.74 18 50,000.00 100,000.00 1,265 78,991 1.57 98.01 104,074.03 342,215.21 5.81 19.11 8 346 2.19 94.79 9,425.04 39,760.83 9.47 39.95 9.06 11.62 19 100,000.00 500,000.00 1,253 80,244 1.55 99.56 316,409.23 658,624.44 17.67 36.79 15 361 4.11 98.90 9,007.90 48,768.73 9.05 49.00 2.85 7.40 20 500,000.00 UP 351 80,595 0.44 100.00 997,037.38 1,655,661.82 55.69 92.48 2 363 0.55 99.45 728.31 49,497.03 0.73 49.73 0.07 2.99 134,657.31 1,790,319.13 7.52 100.00 2 365 0.55 100.00 50,036.26 99,533.30 50.27 100.00 37.16 5.56

*) Undefined = resiko multi lokasi yang karena kurang lengkapnya data yang kami terma, resiko tersebut tidak dapat kami identifikasi sebagai any one risk ffff F F F F ∑(l) ∑(l)∑(l) ∑(l) PERCENTAGE PERCENTAGE PERCENTAGE

PERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rprprprp RP RP RP RP PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE ∑(p) ∑(p) ∑(p) ∑(p) PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE FROM FROM FROM FROM TOTOTOTO

GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) rp rp rp rp ffff F F F F ∑(d)∑(d)∑(d)∑(d) RP RP RP RP ∑(h) ∑(h) ∑(h) ∑(h) * ) Undefined

INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) PT. Asuransi MAIPARK Indonesia

PT. Asuransi MAIPARK Indonesia PT. Asuransi MAIPARK Indonesia PT. Asuransi MAIPARK Indonesia

RISK & LOSS PROFILE

CLAIM FREQUENCY CLAIM FREQUENCYCLAIM FREQUENCY

BAND BAND BAND BAND

PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE

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ZONE ZONE

PROCESSING DATE PROCESSING DATEPROCESSING DATE

PROCESSING DATE 01/07/200901/07/200901/07/200901/07/2009 Table B.6 Table B.6 Table B.6 Table B.6 BAND BAND BAND BAND (d)/ (d)/ (d)/ (d)/ ∑(d)∑(d)∑(d)∑(d) CUM. CUM. CUM. CUM. ∑(f) ∑(f)∑(f) ∑(f) BAND BAND BAND BAND (i)/ (i)/ (i)/ (i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM. ∑(j) ∑(j) ∑(j) ∑(j) BAND BAND BAND BAND (m)/ (m)/ (m)/ (m)/ ∑(m)∑(m)∑(m)∑(m) CUM. CUM. CUM. CUM. ∑(n) ∑(n) ∑(n) ∑(n) BAND BAND BAND BAND (q)/ (q)/ (q)/ (q)/ ∑(q)∑(q)∑(q)∑(q) CUM. CUM. CUM. CUM. ∑(r) ∑(r) ∑(r) ∑(r) BAND BAND BAND BAND (p)/(h) (p)/(h)(p)/(h) (p)/(h) CUM. CUM. CUM. CUM. (q)/(i) (q)/(i)(q)/(i) (q)/(i)

1 0.00 50.00 8,466 8,466 12.94 12.94 227.97 227.97 0.02 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 50.00 100.00 4,856 13,322 7.42 20.36 317.39 545.35 0.03 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 100.00 200.00 7,065 20,387 10.80 31.16 1,013.27 1,558.62 0.09 0.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 200.00 300.00 5,109 25,496 7.81 38.97 1,427.45 2,986.07 0.13 0.28 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 300.00 500.00 6,576 32,072 10.05 49.02 3,068.26 6,054.32 0.28 0.56 1 1 20.00 20.00 20.00 20.00 0.16 0.16 0.65 0.33 6 500.00 750.00 8,866 40,938 13.55 62.58 6,684.17 12,738.50 0.62 1.18 0 1 0.00 20.00 0.00 20.00 0.00 0.16 0.00 0.16 7 750.00 1,000.00 4,012 44,950 6.13 68.71 4,160.53 16,899.03 0.39 1.57 0 1 0.00 20.00 0.00 20.00 0.00 0.16 0.00 0.12 8 1,000.00 1,500.00 4,526 49,476 6.92 75.63 6,540.16 23,439.19 0.61 2.17 1 2 20.00 40.00 50.00 70.00 0.41 0.57 0.76 0.30 9 1,500.00 2,000.00 2,550 52,026 3.90 79.52 5,160.78 28,599.97 0.48 2.65 0 2 0.00 40.00 0.00 70.00 0.00 0.57 0.00 0.24 10 2,000.00 2,500.00 1,859 53,885 2.84 82.37 4,919.00 33,518.97 0.46 3.11 0 2 0.00 40.00 0.00 70.00 0.00 0.57 0.00 0.21 11 2,500.00 3,000.00 1,149 55,034 1.76 84.12 3,756.33 37,275.30 0.35 3.46 0 2 0.00 40.00 0.00 70.00 0.00 0.57 0.00 0.19 12 3,000.00 4,000.00 1,636 56,670 2.50 86.62 6,698.58 43,973.88 0.62 4.08 0 2 0.00 40.00 0.00 70.00 0.00 0.57 0.00 0.16 13 4,000.00 5,000.00 1,107 57,777 1.69 88.32 5,988.92 49,962.80 0.56 4.63 0 2 0.00 40.00 0.00 70.00 0.00 0.57 0.00 0.14 14 5,000.00 7,500.00 1,656 59,433 2.53 90.85 11,861.17 61,823.97 1.10 5.73 0 2 0.00 40.00 0.00 70.00 0.00 0.57 0.00 0.11 15 7,500.00 10,000.00 1,103 60,536 1.69 92.53 11,452.10 73,276.07 1.06 6.79 2 4 40.00 80.00 1,701.87 1,771.87 13.90 14.47 14.86 2.42 16 10,000.00 20,000.00 1,695 62,231 2.59 95.12 27,646.12 100,922.19 2.56 9.36 0 4 0.00 80.00 0.00 1,771.87 0.00 14.47 0.00 1.76 17 20,000.00 50,000.00 1,477 63,708 2.26 97.38 54,474.40 155,396.58 5.05 14.41 0 4 0.00 80.00 0.00 1,771.87 0.00 14.47 0.00 1.14 18 50,000.00 100,000.00 694 64,402 1.06 98.44 60,019.95 215,416.53 5.57 19.97 0 4 0.00 80.00 0.00 1,771.87 0.00 14.47 0.00 0.82 19 100,000.00 500,000.00 786 65,188 1.20 99.64 206,280.71 421,697.24 19.13 39.10 0 4 0.00 80.00 0.00 1,771.87 0.00 14.47 0.00 0.42 20 500,000.00 UP 233 65,421 0.36 100.00 494,688.49 916,385.73 45.87 84.97 0 4 0.00 80.00 0.00 1,771.87 0.00 14.47 0.00 0.19 162,121.01 1,078,506.74 15.03 100.00 1 5 20.00 100.00 10,475.00 12,246.87 85.53 100.00 6.46 1.14

*) Undefined = resiko multi lokasi yang karena kurang lengkapnya data yang kami terma, resiko tersebut tidak dapat kami identifikasi sebagai any one risk

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

CLAIM FREQUENCY CLAIM FREQUENCY

BAND BANDBAND BAND

PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGEPERCENTAGE PERCENTAGE

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

rprp rp

ffff F F F F ∑(d)∑(d)∑(d)∑(d) PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rprprprp RP RP RP RP PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE ∑(p) ∑(p) ∑(p) ∑(p) * ) Undefined ffff F F F F ∑(l) ∑(l) ∑(l) ∑(l) PERCENTAGE PERCENTAGEPERCENTAGE PERCENTAGE FROM FROM FROM FROM TOTOTOTO RP RP RP RP ∑(h) ∑(h) ∑(h) ∑(h) Page 11

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OCCUPATION : AGRICULTURAL: AGRICULTURAL: AGRICULTURAL: AGRICULTURAL ZONE

ZONEZONE

PROCESSING DATE PROCESSING DATE PROCESSING DATE PROCESSING DATE 01/07/200901/07/200901/07/200901/07/2009 Table C.1 Table C.1Table C.1 Table C.1 BAND BAND BAND BAND (d)/ (d)/ (d)/ (d)/ ∑(d)∑(d)∑(d)∑(d) CUM. CUM. CUM. CUM. ∑(f) ∑(f) ∑(f) ∑(f) BAND BAND BAND BAND (i)/ (i)/(i)/ (i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM. ∑(j) ∑(j) ∑(j) ∑(j) BAND BAND BAND BAND (m)/ (m)/ (m)/ (m)/ ∑(m)∑(m)∑(m)∑(m) CUM. CUM. CUM. CUM. ∑(n) ∑(n)∑(n) ∑(n) BAND BAND BAND BAND (q)/ (q)/ (q)/ (q)/ ∑(q)∑(q)∑(q)∑(q) CUM. CUM. CUM. CUM. ∑(r) ∑(r)∑(r) ∑(r) BAND BAND BAND BAND (p)/(h) (p)/(h)(p)/(h) (p)/(h) CUM. CUM. CUM. CUM. (q)/(i) (q)/(i) (q)/(i) (q)/(i)

1 0.00 50.00 29 29 5.47 5.47 0.73 0.73 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 50.00 100.00 26 55 4.91 10.38 1.96 2.69 0.03 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 100.00 200.00 35 90 6.60 16.98 4.96 7.65 0.07 0.11 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 200.00 300.00 14 104 2.64 19.62 4.11 11.76 0.06 0.17 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 300.00 500.00 29 133 5.47 25.09 12.18 23.94 0.17 0.34 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 500.00 750.00 35 168 6.60 31.70 19.75 43.69 0.28 0.62 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7 750.00 1,000.00 17 185 3.21 34.91 16.94 60.63 0.24 0.86 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 1,000.00 1,500.00 27 212 5.09 40.00 33.24 93.87 0.47 1.33 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 1,500.00 2,000.00 18 230 3.40 43.40 28.10 121.97 0.40 1.72 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10 2,000.00 2,500.00 16 246 3.02 46.42 42.13 164.10 0.60 2.32 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11 2,500.00 3,000.00 15 261 2.83 49.25 44.52 208.62 0.63 2.95 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12 3,000.00 4,000.00 15 276 2.83 52.08 56.45 265.07 0.80 3.75 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13 4,000.00 5,000.00 20 296 3.77 55.85 97.15 362.22 1.37 5.12 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14 5,000.00 7,500.00 46 342 8.68 64.53 294.61 656.83 4.17 9.29 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15 7,500.00 10,000.00 39 381 7.36 71.89 321.92 978.75 4.55 13.84 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16 10,000.00 20,000.00 71 452 13.40 85.28 895.85 1,874.60 12.67 26.51 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17 20,000.00 50,000.00 39 491 7.36 92.64 1,483.78 3,358.38 20.98 47.49 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 18 50,000.00 100,000.00 35 526 6.60 99.25 3,098.47 6,456.85 43.82 91.31 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19 100,000.00 500,000.00 4 530 0.75 100.00 614.82 7,071.67 8.69 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 20 500,000.00 UP 0 530 - 100.00 - 7,071.67 - 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE NUMBER OF RISKS

NUMBER OF RISKSNUMBER OF RISKS NUMBER OF RISKS

ffff GROSS PREMIUM (In Million Rp.)

RISK & LOSS PROFILE

F F F F ∑(l) ∑(l)∑(l) ∑(l) RP RP RP RP ∑(h) ∑(h)∑(h) ∑(h) PERCENTAGE PERCENTAGEPERCENTAGE PERCENTAGE 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.) PT. Asuransi MAIPARK Indonesia

CLAIM FREQUENCY CLAIM FREQUENCY CLAIM FREQUENCY

BAND BAND BAND BAND ffff F F F F ∑(d) ∑(d) ∑(d) ∑(d) PERCENTAGE PERCENTAGEPERCENTAGE PERCENTAGE SUM INSURED (BAND) (In

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

Million Rp.) Million Rp.)Million Rp.) Million Rp.) rp rp rp rp RP RP RP RP ∑(p) ∑(p)∑(p) ∑(p) Page 13

(17)

OCCUPATION : COMMERCIAL: COMMERCIAL: COMMERCIAL: COMMERCIAL ZONE

ZONEZONE

PROCESSING DATE PROCESSING DATE PROCESSING DATE PROCESSING DATE 01/07/200901/07/200901/07/200901/07/2009 Table C.2 Table C.2 Table C.2 Table C.2 BAND BAND BAND BAND (d)/ (d)/(d)/ (d)/ ∑(d)∑(d)∑(d)∑(d) CUM. CUM. CUM. CUM. ∑(f) ∑(f) ∑(f) ∑(f) BAND BAND BAND BAND (i)/ (i)/(i)/ (i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM. ∑(j) ∑(j)∑(j) ∑(j) BAND BAND BAND BAND (m)/ (m)/(m)/ (m)/ ∑(m)∑(m)∑(m)∑(m) CUM. CUM. CUM. CUM. ∑(n) ∑(n) ∑(n) ∑(n) BAND BAND BAND BAND (q)/ (q)/(q)/ (q)/ ∑(q)∑(q)∑(q)∑(q) CUM. CUM. CUM. CUM. ∑(r) ∑(r) ∑(r) ∑(r) BAND BAND BAND BAND (p)/(h) (p)/(h)(p)/(h) (p)/(h) CUM. CUM. CUM. CUM. (q)/(i) (q)/(i) (q)/(i) (q)/(i)

1 0.00 50.00 4,162 4,162 13.85 13.85 117.73 117.73 0.04 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 50.00 100.00 2,549 6,711 8.48 22.33 221.31 339.04 0.07 0.11 2 2 5.13 5.13 82.34 82.34 0.63 0.63 37.20 24.28 3 100.00 200.00 3,833 10,544 12.76 35.09 688.66 1,027.70 0.22 0.32 3 5 7.69 12.82 153.49 235.83 1.18 1.82 22.29 22.95 4 200.00 300.00 2,818 13,362 9.38 44.47 825.41 1,853.11 0.26 0.58 4 9 10.26 23.08 165.57 401.39 1.28 3.09 20.06 21.66 5 300.00 500.00 3,344 16,706 11.13 55.59 1,803.22 3,656.33 0.57 1.15 2 11 5.13 28.21 484.14 885.53 3.73 6.82 26.85 24.22 6 500.00 750.00 2,008 18,714 6.68 62.28 1,504.55 5,160.88 0.47 1.62 2 13 5.13 33.33 186.58 1,072.11 1.44 8.26 12.40 20.77 7 750.00 1,000.00 1,572 20,286 5.23 67.51 1,736.35 6,897.23 0.55 2.17 3 16 7.69 41.03 430.89 1,503.00 3.32 11.58 24.82 21.79 8 1,000.00 1,500.00 1,882 22,168 6.26 73.77 3,731.63 10,628.86 1.17 3.34 5 21 12.82 53.85 2,388.50 3,891.51 18.40 29.98 64.01 36.61 9 1,500.00 2,000.00 1,131 23,299 3.76 77.53 2,294.47 12,923.33 0.72 4.06 2 23 5.13 58.97 1,319.55 5,211.06 10.17 40.15 57.51 40.32 10 2,000.00 2,500.00 768 24,067 2.56 80.09 1,953.76 14,877.09 0.61 4.67 3 26 7.69 66.67 110.07 5,321.13 0.85 41.00 5.63 35.77 11 2,500.00 3,000.00 608 24,675 2.02 82.11 1,944.65 16,821.74 0.61 5.28 1 27 2.56 69.23 87.14 5,408.27 0.67 41.67 4.48 32.15 12 3,000.00 4,000.00 824 25,499 2.74 84.86 3,401.54 20,223.29 1.07 6.35 2 29 5.13 74.36 378.91 5,787.18 2.92 44.59 11.14 28.62 13 4,000.00 5,000.00 669 26,168 2.23 87.08 3,624.49 23,847.77 1.14 7.49 0 29 0.00 74.36 0.00 5,787.18 0.00 44.59 0.00 24.27 14 5,000.00 7,500.00 843 27,011 2.81 89.89 6,552.06 30,399.83 2.06 9.55 2 31 5.13 79.49 5,249.54 11,036.73 40.45 85.04 80.12 36.31 15 7,500.00 10,000.00 499 27,510 1.66 91.55 5,222.94 35,622.78 1.64 11.19 0 31 0.00 79.49 0.00 11,036.73 0.00 85.04 0.00 30.98 16 10,000.00 20,000.00 951 28,461 3.16 94.71 17,097.27 52,720.04 5.37 16.56 2 33 5.13 84.62 690.94 11,727.66 5.32 90.36 4.04 22.25 17 20,000.00 50,000.00 891 29,352 2.97 97.68 38,521.47 91,241.51 12.10 28.65 1 34 2.56 87.18 348.13 12,075.79 2.68 93.04 0.90 13.23 18 50,000.00 100,000.00 388 29,740 1.29 98.97 39,041.30 130,282.82 12.26 40.91 1 35 2.56 89.74 1.90 12,077.69 0.01 93.06 0.00 9.27 19 100,000.00 500,000.00 274 30,014 0.91 99.88 83,096.80 213,379.62 26.10 67.01 4 39 10.26 100.00 901.33 12,979.02 6.94 100.00 1.08 6.08 20 500,000.00 UP 36 30,050 0.12 100.00 105,045.16 318,424.78 32.99 100.00 0 39 0.00 100.00 0.00 12,979.02 0.00 100.00 0.00 4.08 PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE INCURRED CLAIM (In Million Rp.)

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

CLAIM FREQUENCYCLAIM FREQUENCY

BAND BANDBAND

BAND ffff _∑(d)F F F F ∑(d)∑(d) ∑(d) SUM INSURED (BAND) (In

Million Rp.) Million Rp.) Million Rp.) Million Rp.)

ffff PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE RP RP RP RP ∑(p) ∑(p)∑(p) ∑(p) rp rp rp rp RP RP RP RP ∑(h) ∑(h) ∑(h) ∑(h)

GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) NUMBER OF RISKS NUMBER OF RISKS NUMBER OF RISKS NUMBER OF RISKS FROM FROMFROM FROM TOTOTOTO PERCENTAGE PERCENTAGEPERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGEPERCENTAGE

PERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE F F F F ∑(l) ∑(l) ∑(l) ∑(l) rp rp rp rp Page 14

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OCCUPATION : INDUSTRIAL: INDUSTRIAL: INDUSTRIAL: INDUSTRIAL ZONE

ZONE ZONE

PROCESSING DATE PROCESSING DATE PROCESSING DATE PROCESSING DATE 01/07/200901/07/200901/07/200901/07/2009 Table C.3 Table C.3Table C.3 Table C.3 BAND BAND BAND BAND (d)/ (d)/ (d)/ (d)/ ∑(d)∑(d)∑(d)∑(d) CUM. CUM. CUM. CUM. ∑(f) ∑(f)∑(f) ∑(f) BAND BAND BAND BAND (i)/ (i)/ (i)/ (i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM. ∑(j) ∑(j) ∑(j) ∑(j) BAND BAND BAND BAND (m)/ (m)/ (m)/ (m)/ ∑(m)∑(m)∑(m)∑(m) CUM. CUM. CUM. CUM. ∑(n) ∑(n)∑(n) ∑(n) BAND BAND BAND BAND (q)/ (q)/(q)/ (q)/ ∑(q)∑(q)∑(q)∑(q) CUM. CUM. CUM. CUM. ∑(r) ∑(r) ∑(r) ∑(r) BAND BAND BAND BAND (p)/(h) (p)/(h)(p)/(h) (p)/(h) CUM. CUM. CUM. CUM. (q)/(i) (q)/(i)(q)/(i) (q)/(i)

1 0.00 50.00 768 768 6.00 6.00 19.58 19.58 0.00 0.00 1 1 5.26 5.26 11.33 11.33 0.00 0.00 57.84 57.84 2 50.00 100.00 469 1,237 3.66 9.66 38.81 58.39 0.00 0.01 0 1 0.00 5.26 0.00 11.33 0.00 0.00 0.00 19.40 3 100.00 200.00 789 2,026 6.16 15.82 132.23 190.62 0.01 0.02 1 2 5.26 10.53 330.27 341.59 0.05 0.06 249.77 179.20 4 200.00 300.00 503 2,529 3.93 19.75 135.92 326.54 0.01 0.03 2 4 10.53 21.05 431.68 773.27 0.07 0.13 317.61 236.81 5 300.00 500.00 738 3,267 5.76 25.51 342.01 668.55 0.03 0.06 0 4 0.00 21.05 0.00 773.27 0.00 0.13 0.00 115.66 6 500.00 750.00 594 3,861 4.64 30.15 398.17 1,066.73 0.04 0.10 3 7 15.79 36.84 455.68 1,228.95 0.08 0.20 114.44 115.21 7 750.00 1,000.00 519 4,380 4.05 34.20 581.12 1,647.85 0.06 0.16 1 8 5.26 42.11 313.79 1,542.74 0.05 0.26 54.00 93.62 8 1,000.00 1,500.00 740 5,120 5.78 39.98 998.14 2,645.99 0.09 0.25 0 8 0.00 42.11 0.00 1,542.74 0.00 0.26 0.00 58.30 9 1,500.00 2,000.00 537 5,657 4.19 44.17 1,017.57 3,663.56 0.10 0.35 0 8 0.00 42.11 0.00 1,542.74 0.00 0.26 0.00 42.11 10 2,000.00 2,500.00 449 6,106 3.51 47.67 1,144.94 4,808.50 0.11 0.46 0 8 0.00 42.11 0.00 1,542.74 0.00 0.26 0.00 32.08 11 2,500.00 3,000.00 384 6,490 3.00 50.67 1,685.46 6,493.97 0.16 0.62 1 9 5.26 47.37 800.00 2,342.74 0.13 0.39 47.46 36.08 12 3,000.00 4,000.00 563 7,053 4.40 55.07 2,372.80 8,866.76 0.22 0.84 1 10 5.26 52.63 6.38 2,349.12 0.00 0.39 0.27 26.49 13 4,000.00 5,000.00 435 7,488 3.40 58.46 2,253.54 11,120.30 0.21 1.05 0 10 0.00 52.63 0.00 2,349.12 0.00 0.39 0.00 21.12 14 5,000.00 7,500.00 705 8,193 5.50 63.97 4,923.08 16,043.37 0.47 1.52 0 10 0.00 52.63 0.00 2,349.12 0.00 0.39 0.00 14.64 15 7,500.00 10,000.00 556 8,749 4.34 68.31 5,515.15 21,558.53 0.52 2.04 0 10 0.00 52.63 0.00 2,349.12 0.00 0.39 0.00 10.90 16 10,000.00 20,000.00 1,190 9,939 9.29 77.60 20,757.47 42,316.00 1.97 4.01 2 12 10.53 63.16 196.65 2,545.77 0.03 0.42 0.95 6.02 17 20,000.00 50,000.00 1,314 11,253 10.26 87.86 49,529.82 91,845.82 4.69 8.70 2 14 10.53 73.68 2.84 2,548.61 0.00 0.42 0.01 2.77 18 50,000.00 100,000.00 659 11,912 5.15 93.00 53,535.51 145,381.33 5.07 13.77 0 14 0.00 73.68 0.00 2,548.61 0.00 0.42 0.00 1.75 19 100,000.00 500,000.00 679 12,591 5.30 98.31 174,198.61 319,579.94 16.50 30.28 1 15 5.26 78.95 56.14 2,604.75 0.01 0.43 0.03 0.82 20 500,000.00 UP 217 12,808 1.69 100.00 735,879.49 1,055,459.43 69.72 100.00 4 19 21.05 100.00 601,238.98 603,843.73 99.57 100.00 81.70 57.21 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 F F F ∑(l) ∑(l)∑(l) ∑(l) PERCENTAGE PERCENTAGEPERCENTAGE PERCENTAGE rprprprp RP RP RP RP ∑(p) ∑(p)∑(p) ∑(p) PT. Asuransi MAIPARK Indonesia

RISK & LOSS PROFILE

rp rp rp rp RP RP RP RP ∑(h) ∑(h)∑(h) ∑(h) PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE BAND BANDBAND BAND ffff CLAIM FREQUENCY CLAIM FREQUENCY CLAIM FREQUENCY

Million Rp.) Million Rp.)Million Rp.) Million Rp.) FROM FROM FROM FROM TOTOTOTO ffff F F F F ∑(d) ∑(d)∑(d) ∑(d) PERCENTAGE PERCENTAGEPERCENTAGE PERCENTAGE NUMBER OF RISKS NUMBER OF RISKSNUMBER OF RISKS NUMBER OF RISKS

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OCCUPATION : RESIDENTIAL: RESIDENTIAL: RESIDENTIAL: RESIDENTIAL ZONE

ZONE ZONE

PROCESSING DATE PROCESSING DATE PROCESSING DATE PROCESSING DATE 01/07/200901/07/200901/07/200901/07/2009 Table C.4 Table C.4 Table C.4 Table C.4 BAND BAND BAND BAND (d)/ (d)/ (d)/ (d)/ ∑(d)∑(d)∑(d)∑(d) CUM. CUM. CUM. CUM. ∑(f) ∑(f)∑(f) ∑(f) BAND BAND BAND BAND (i)/ (i)/ (i)/ (i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM. ∑(j) ∑(j) ∑(j) ∑(j) BAND BAND BAND BAND (m)/ (m)/ (m)/ (m)/ ∑(m)∑(m)∑(m)∑(m) CUM. CUM. CUM. CUM. ∑(n) ∑(n) ∑(n) ∑(n) BAND BAND BAND BAND (q)/ (q)/(q)/ (q)/ ∑(q)∑(q)∑(q)∑(q) CUM. CUM. CUM. CUM. ∑(r) ∑(r) ∑(r) ∑(r) BAND BAND BAND BAND (p)/(h) (p)/(h)(p)/(h) (p)/(h) CUM. CUM. CUM. CUM. (q)/(i) (q)/(i)(q)/(i) (q)/(i)

1 0.00 50.00 597 597 6.63 6.63 18.19 18.19 0.03 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 50.00 100.00 836 1,433 9.29 15.93 78.70 96.89 0.13 0.16 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 100.00 200.00 1,129 2,562 12.55 28.47 209.62 306.51 0.36 0.52 5 5 21.74 21.74 46.00 46.00 1.31 1.31 21.95 15.01 4 200.00 300.00 940 3,502 10.45 38.92 308.94 615.45 0.52 1.04 2 7 8.70 30.43 28.44 74.44 0.81 2.12 9.21 12.10 5 300.00 500.00 1,151 4,653 12.79 51.71 586.00 1,201.45 0.99 2.04 4 11 17.39 47.83 583.80 658.24 16.62 18.74 99.63 54.79 6 500.00 750.00 879 5,532 9.77 61.48 678.90 1,880.35 1.15 3.19 4 15 17.39 65.22 187.34 845.58 5.33 24.08 27.59 44.97 7 750.00 1,000.00 681 6,213 7.57 69.05 754.87 2,635.22 1.28 4.47 1 16 4.35 69.57 299.38 1,144.97 8.52 32.60 39.66 43.45 8 1,000.00 1,500.00 650 6,863 7.22 76.27 996.77 3,631.99 1.69 6.16 4 20 17.39 86.96 1,173.93 2,318.90 33.43 66.03 117.77 63.85 9 1,500.00 2,000.00 334 7,197 3.71 79.98 730.44 4,362.44 1.24 7.40 2 22 8.70 95.65 1,180.65 3,499.55 33.62 99.65 161.63 80.22 10 2,000.00 2,500.00 276 7,473 3.07 83.05 813.69 5,176.12 1.38 8.78 0 22 0.00 95.65 0.00 3,499.55 0.00 99.65 0.00 67.61 11 2,500.00 3,000.00 185 7,658 2.06 85.11 628.67 5,804.79 1.07 9.84 0 22 0.00 95.65 0.00 3,499.55 0.00 99.65 0.00 60.29 12 3,000.00 4,000.00 201 7,859 2.23 87.34 882.64 6,687.43 1.50 11.34 0 22 0.00 95.65 0.00 3,499.55 0.00 99.65 0.00 52.33 13 4,000.00 5,000.00 183 8,042 2.03 89.38 1,066.82 7,754.25 1.81 13.15 0 22 0.00 95.65 0.00 3,499.55 0.00 99.65 0.00 45.13 14 5,000.00 7,500.00 235 8,277 2.61 91.99 1,895.38 9,649.63 3.21 16.36 0 22 0.00 95.65 0.00 3,499.55 0.00 99.65 0.00 36.27 15 7,500.00 10,000.00 150 8,427 1.67 93.65 1,665.55 11,315.17 2.82 19.19 0 22 0.00 95.65 0.00 3,499.55 0.00 99.65 0.00 30.93 16 10,000.00 20,000.00 193 8,620 2.14 95.80 3,665.63 14,980.80 6.22 25.41 1 23 4.35 100.00 12.40 3,511.95 0.35 100.00 0.34 23.44 17 20,000.00 50,000.00 194 8,814 2.16 97.96 8,147.42 23,128.23 13.82 39.22 0 23 0.00 100.00 0.00 3,511.95 0.00 100.00 0.00 15.18 18 50,000.00 100,000.00 99 8,913 1.10 99.06 9,350.16 32,478.39 15.86 55.08 0 23 0.00 100.00 0.00 3,511.95 0.00 100.00 0.00 10.81 19 100,000.00 500,000.00 76 8,989 0.84 99.90 17,567.06 50,045.45 29.79 84.87 0 23 0.00 100.00 0.00 3,511.95 0.00 100.00 0.00 7.02 20 500,000.00 UP 9 8,998 0.10 100.00 8,921.43 58,966.87 15.13 100.00 0 23 0.00 100.00 0.00 3,511.95 0.00 100.00 0.00 5.96

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

CLAIM FREQUENCY CLAIM FREQUENCY

BAND BANDBAND BAND ffff F F F F ∑(d) ∑(d)∑(d) ∑(d) SUM INSURED (BAND) (In

Million Rp.) Million Rp.) Million Rp.)

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

PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE NUMBER OF RISKS NUMBER OF RISKS NUMBER OF RISKS NUMBER OF RISKS

ffff PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE RP RP RP RP ∑(p) ∑(p)∑(p) ∑(p) rp rp rp rp RP RP RP RP ∑(h) ∑(h)∑(h) ∑(h) FROM FROM FROM FROM TOTOTOTO PERCENTAGE PERCENTAGEPERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE

PERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE F F F F ∑(l) ∑(l) ∑(l) ∑(l) rp rp rp rp Page 16