statistic report 2014 desember 31

(1)

PT Reasuransi MAIPARK Indonesia

(2)

i

Dengan Hormat,

Sesuai dengan tujuan pendirian MAIPARK,

MAIPARK selalu berupaya untuk memberikan

pelayanan yang terbaik bagi Industri Asuransi

Umum di Indonesia khususnya mengenai

statistik dan pengetahuan risiko gempa bumi.

Dukungan dari seluruh perusahaan asuransi

umum sangat berarti bagi kami dalam upaya

pengembangan Laporan Statistik ini.

Kami berharap Laporan Statistik ini dapat

memberikan manfaat tidak hanya bagi

perusahaan yang menangani asuransi gempa

bumi, namun juga bagi industri asuransi umum

di Indonesia.

Hormat kami,

Dear Sir / Madam,

In line with the purpose of MAIPARK

establishment, MAIPARK always strive to

provide the best service for General Insurance

Industry in Indonesia particularly regarding

statistic and knowledge of Earthquake risks.

Support from the General Insurance Industry will

be meaningful to us in order to improve this

Statistic Report.

We hope this Statistic Report will be beneficial

not only to the insurance companies which write

earthquake insurance but also to the whole

general insurance industry in Indonesia.

Sincerely,

Kata Pengantar

Foreword

(3)

ii

Hal.

Kata Pengantar ... i

Daftar Isi ... ii

Informasi Statistik ... vii

Ikhtisar Statistik Asuransi Gempa Bumi

Indonesia Desember 2014 ...

A. Umum ... 1

B. Struktur Pasar ... 1

C. Premi Bruto ... 1

D. Jumlah Risiko ... 3

E. Incurred Claim ... 4

Exposure Asuransi Gempa Bumi Indonesia ...

Tabel 2.1. Exposure Per Cresta Zone ... 9

Tabel 2.2. Exposure Per Okupasi ... 11

Tabel 2.3. Exposure Per Interest... 13

Tabel 2.4. Exposure Per Provinsi ... 15

Premi Bruto Asuransi Gempa Bumi Indonesia

...

….

Tabel 3.1. Gross Premium Per Cresta Zone .. 16

Tabel 3.2. Gross Premium Per Okupasi ... 18

Tabel 3.3. Gross Premium Per Provinsi ... 20

Jumlah Risiko Asuransi Gempa Bumi Indonesia

...

Tabel 4.1. Jumlah Risiko Per Cresta Zone ... 21

Tabel 4.2. Jumlah Risiko Per Okupasi ... 23

Klaim Asuransi Gempa Bumi Indonesia ...

Tabel 5.1. Klaim Frekwensi Per Okupasi ... 25

Tabel 5.2. Klaim Frekwensi Per Cresta Zone . 27

Tabel 5.3. Klaim Per Okupasi ... 29

Tabel 5.4. Klaim Per Cresta Zone ... 31

Page

Foreword ... i

Contents ... ii

Statistic Information ... vii

Statistic Overview of Indonesian Earthquake

Insurance December 2014 ...

A. General ... 1

B. Market Structure ... 1

C. Gross Premium ... 1

D. Number of Risk ... 3

E. Incurred Claim ... 4

Indonesian Earthquake Insurance Exposure ...

Table 2.1. Exposure By Cresta Zone ... 9

Table 2.2. Exposure By Occupation ... 11

Table 2.3. Exposure By Interest ... 13

Table 2.4. Exposure By Province ... 15

Indonesian

Earthquake

Insurance

Gross

Premium ...

Table 3.1. Gross Premium By Cresta Zone ... 16

Table 3.2. Gross Premium By Occupation .... 18

Table 3.3. Gross Premium By Province ... 20

Indonesian Earthquake Insurance Number of

Risks ...

Table 4.1. Number of Risk By Cresta Zone ... 21

Table 4.2. Number of Risk By Occupation .... 23

Indonesian Earthquake Insurance Claim ...

Table 5.1. Claim Frequency By Occupation .. 25

Table 5.2. Claim Frequency By Cresta Zone .. 27

Table 5.3. Claim By Occupation . ... 29

Table 5.4 Claim By Cresta Zone ... 31

Daftar Isi

(4)

iii

Profil Risiko dan Klaim ...

Underwriting Year 2010 - 2014,

Seluruh Okupasi ... 33

Underwriting Year 2014, Seluruh Okupasi ... 34

Underwriting Year 2013, Seluruh Okupasi ... 35

Underwriting Year 2012, Seluruh Okupasi ... 36

Underwriting Year 2011, Seluruh Okupasi ... 37

Underwriting Year 2010, Seluruh Okupasi ... 38

Profil Risiko dan Klaim

Underwriting Year

2014

Per Okupasi ...

Okupasi Agrikultural ... 39

Okupasi Komersial ... 40

Okupasi Industrial ... 41

Okupasi Residensial ... 42

Profil Risiko dan Klaim

Underwriting Year

2013

Per Okupasi ...

Okupasi Agrikultural ... 43

Okupasi Komersial ... 44

Okupasi Industrial ... 45

Okupasi Residensial ... 46

Profil Risiko dan Klaim

Underwriting Year

2012

Per Okupasi ...

Okupasi Agrikultural ... 47

Okupasi Komersial ... 48

Okupasi Industrial ... 49

Okupasi Residensial ... 50

Profil Risiko dan Klaim

Underwriting Year

2011

Per Okupasi ...

Okupasi Agrikultural ... 51

Okupasi Komersial ... 52

Okupasi Industrial ... 53

Okupasi Residensial

... 54

Risk and Loss Profile ...

Underwriting

Year

2010

-

2014,

All Occupation ... 33

Underwriting Year 2014, All Occupation ... 34

Underwriting Year 2013, All Occupation ... 35

Underwriting Year 2012, All Occupation ... 36

Underwriting Year 2011, All Occupation ... 37

Underwriting Year 2010, All Occupation ... 38

Risk and Loss Profile Underwriting Year 2014

By Occupation

….

...

Agricultural Occupation ... 39

Commercial Occupation ... 40

Industrial Occupation ... 41

Residential Occupation ... 42

Risk and Loss Profile Underwriting Year 2013

By Occupation

….

...

Agricultural Occupation ... 43

Commercial Occupation ... 44

Industrial Occupation ... 45

Residential Occupation ... 46

Risk and Loss Profile Underwriting Year 2012

By Occupation

….

...

Agricultural Occupation ... 47

Commercial Occupation ... 48

Industrial Occupation ... 49

Residential Occupation ... 50

Risk and Loss Profile Underwriting Year 2011

By Occupation

….

...

Agricultural Occupation ... 51

Commercial Occupation ... 52

Industrial Occupation ... 53

(5)

iv

Profil Risiko dan Klaim

Underwriting Year

2010

Per Okupasi ...

Okupasi Agrikultural ... 55

Okupasi Komersial... 56

Okupasi Industrial ... 57

Okupasi Residential ... 58

Exposure, Premi Bruto, Jumlah Risiko dan Klaim

Asuransi Gempa Bumi Indonesia ...

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Cresta Zone, Underwriting Year 2010 .... 59

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Cresta Zone, Underwriting Year 2011 ... 60

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Cresta Zone, Underwriting Year 2012 ... 61

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Cresta Zone, Underwriting Year 2013

... 62

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Cresta Zone, Underwriting Year 2014

... 63

Exposure, Premi Bruto, Jumlah Risiko dan Klaim

Asuransi Gempa Bumi Indonesia ...

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Okupasi, Underwriting Year 2010 ... 64

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Okupasi, Underwriting Year 2011 ... 65

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Okupasi, Underwriting Year 2012 ... 66

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Okupasi, Underwriting Year 2013

... 67

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Okupasi, Underwriting Year 2014

... 68

Risk and Loss Profile Underwriting Year 2010

By Occupation ...

Agricultural Occupation ... 55

Commercial Occupation ... 56

Industrial Occupation ... 57

Residential Occupation ... 58

Indonesian Earthquake Insurance Exposure,

Gross Premium, Number of Risks and Claim ...

Exposure, Gross Premium, Number of Risks &

Claim by Cresta Zone, UY 2013 ... 62

Exposure, Gross Premium, Number of Risks &

Claim by Cresta Zone, UY 2014 ... 63

Indonesian Earthquake Insurance Exposure,

Gross Premium, Number of Risks and Claim ...

Exposure, Gross Premium, Number of Risks &

Claim by Occupation,

UY

………

..64

Exposure, Gross Premium, Number of Risks &

Claim by Occupation, UY 2011 ... 65

Exposure, Gross Premium, Number of Risks &

Claim by Occupation, UY 2012 ... 66

Exposure, Gross Premium, Number of Risks &

Claim by Occupation,

UY

2013

... 67

(6)

v

Exposure, Premi Bruto, Jumlah Risiko dan Klaim

Asuransi Gempa Bumi Indonesia ...

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Provinsi, Underwriting Year 2010 ... 69

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Provinsi, Underwriting Year 2011 ... 70

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Provinsi, Underwriting Year 2012 ... 71

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Provinsi, Underwriting Year 2013

... 72

Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Provinsi, Underwriting Year 2014

... 73

Peta

Distribusi Exposure Gempa Bumi Indonesia per

Provinsi,

Underwriting Year

2014, per 31

Desember 2014

……..

... 74

Distribusi Gempa Bumi Indonesia M > 5 dan

Claim Incurred

2014

……

... 75

Distribusi Exposure Gempa Bumi Indonesia per

Provinsi, Underwriting Year 2014, per 31

Desember 2014, Distribusi Gempa Bumi

Indonesia M > 5 dan Claim Incurred UY

4. Tabel jangka Waktu Pertanggungan

Kurang Dari Satu Tahun ... 94

5. Skala Indemnity Period ... 95

6. Tabel

Cresta Zo e da Zo a ………..9

Indonesian Earthquake Insurance Exposure,

Gross Premium, Number of Risks and Claim ...

Exposure, Gross Premium, Number of Risks &

Claim by Province,

UY

2013

... 72

Exposure, Gross Premium, Number of Risks &

Claim by Province,

UY

2014

... 73

Map

Indonesian Earthquake Exposure Distribution

By Province, Underwriting Year 2014, as at 31

December 2014 ... 74

Indonesian Earthquake Distribution M > 5 and

Claim Incurred 2014

………

..

…

.. ... 75

Indonesian Earthquake Exposure Distribution

By Province, Underwriting Year 2014, as at 31

December

2014,

Indonesian

Earthquake

Distribution M > 5 and Claim Incurred 2014..

2. Indonesian Earthquake Insurance Tariff ..

... 91

3. First Loss Scale ...

………9

4. Short Period Table Less Than One Year

(7)

vi

Referensi

1. Otoritas Jasa Keuangan (OJK).

2. Badan Pusat Statistik (BPS).

*)

Laporan Statistik ini dapat diperoleh di website

PT Reasuransi MAIPARK Indonesia

www.maipark.com

Reference

1. Financial Services Authority (OJK).

2. Central of Statistics Bureau (BPS).

*)

Statistic Report is available on PT Reasuransi

MAIPARK Indonesia‘s

Website

(8)

vii

1. Statistik dibuat berdasarkan

Underwriting

Year

yang tercatat sampai dengan posisi

31 Desember 2014.

2. Sesi Limit

2.1. Limit Sesi atas setiap risiko (

any

one risk

) untuk gabungan kerugian

fisik dan gangguan usaha adalah

pertanggungan (

total

sum

insured

)

pertanggungan (

total

sum

insured

)

puluh delapan Dollar

Amerika) atas setiap

risiko,

setiap

perusahaan asuransi

atau penerbit polis

1. Statistic Report is based on Underwriting

Year basis, which is recorded as at 31

December 2014.

2. Cession Limit

2.1. Cession Limit of any one risk for the

combined material damage and

business interruption are as follows:

2.1.1 For West Java, Banten and

DKI:

thirty one thousand five

hundred seventy eight

U.S. Dollars) for any

one

risk,

each

insurance company or

policy

issuer

for

Underwriting

Year

2013.

(9)

viii

Untuk

Underwriting

Year

2013.

2.1.2 Untuk daerah Indonesia

lainnya:



25% (dua puluh lima

prosen) dari jumlah

seluruh

pertanggungan (

total

sum

insured

)

pertanggungan (

total

sum

insured

)

puluh delapan Dollar

Amerika) atas setiap

2014 Limit Sesi atas setiap

risiko (any one risk) untuk

gabungan kerugian fisik

dan

gangguan

usaha

adalah 15% (lima belas

prosen)

dari

jumlah

seluruh

pertanggungan

(

total sum insured

)

2.1.2. For other Indonesia areas:



25%

(twenty

five

percent) of the total

sum insured, being a

maximum

of

USD

2,500,000.00

(two

million five hundred

thousand U.S. Dollars)

for any one risk, each

insurance company or

policy

issuer

for

Underwriting

Year

2010, 2011 and 2012.

(10)

ix

maksimum

USD

3,500,000.00 (tiga juta lima

ratus ribu Dollar Amerika)

atas setiap risiko, setiap

perusahaan asuransi atau

penerbit

polis

untuk

Underwriting

Year

2014.

2.2 Yang dimaksud dengan setiap risiko

(

anyone 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 dalam

underwriting

polis

kebakaran

2.3 Dalam hal penutupan secara

First

Loss Basis / Sub-limit

, jumlah yang

disesikan

sebagaimana

diatur

dalam butir 2.1 diatas, dikalikan

prosentase

First Loss Scale

.

2.4 Untuk risiko yang ditutup secara

ko-asuransi, jumlah maksimum sesi

dari semua anggota ko-asuransi

adalah sesuai dengan ketentuan

yang diatur dalam 2.1 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

2.1. USD 3,500,000.00 (three

million

five

hundred

thousand U.S. Dollars) for

any

one

risk,

each

insurance company or

policy

issuer

for

Underwriting Year 2014.

2.2 Anyone risk is the accumulation

(aggregate) of total sum insured of

all risks at the same location for

each insurance company. The

definition of anyone risk or any

location is specified by the insurer

or policy issuer in accordance with

the fire underwriting policy.

2.3 In First Loss Basis / Sub Limit

policies, the amount ceded is

stipulated in point 2.1 above, then

multiplied by the percentage of First

Loss Scale.

2.4 For risks which are covered by

co-insurance, the maximum cession

from all members of coinsurance is

stipulated in point 2.1 above. Each

ceding

company

cedes

proportionally depending on its

co-insurance share.

If there are policies other than

co-insurance policy on the same

insured object, the insurer is still able

to cede such risk subject to total

(11)

x

3. Tarif Premi Asuransi Gempa Bumi

Indonesia

3.1. Penutupan

Full Value Basis

mengaplikasikan

Tarif

Premi

Standar Gempa Bumi Indonesia

(lampiran 2).

3.2. Penutupan

First Loss / Sub Limit

Basis

mengaplikasikan standar

First Loss Scale

(lampiran 3).

3.3. Perhitungan

premi

untuk

penutupan kurang dari 12 (dua

belas) bulan diberlakukan skala

premi jangka pendek (lampiran 4)

3.4. Untuk perhitungan

premi Business

Interruption

diberlakukan

Indemnity

Period Scale

(lampiran 5).

4. Obyek Pertanggungan

4.1 Obyek pertanggungan yang dapat

disesikan

adalah

obyek

pertanggungan asuransi kebakaran

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.

3. Indonesian

Standard

Earthquake

Premium Tariff

3.1. For the coverage of Full Value

Basis, apply Indonesian Standard

Earthquake

Premium

Tariff

(attachment 2).

3.2. For the First Loss / Sub Limit Basis

coverage apply standard First Loss

Scale (attachment 3).

3.3. Premium calculation for short

period coverage is based on Short

Period Scale (attachment 4).

3.4. Premium calculation for business

interruption is based on Indemnity

Period Scale (attachment 5).

4. Insured Object

4.1. Insured object which can be ceded

is fire insurance object such as:

4.1.1. Material damage:

(12)

xi

5. 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

5. Bordereaux Submission

(13)

1

A. Umum

Berdasarkan data Badan Pusat Statistik,

Perekonomian Indonesia pada tahun 2014

sebagaimana diukur dari Produk Domestik

Bruto

(PDB),

tumbuh

sebesar

5,02%

dibandingkan tahun 2013. Nilai Produk

Domestik Bruto (PDB) Indonesia atas dasar

harga konstan 2010 pada tahun 2014 mencapai

Rp.8.568,1 triliun sedangkan pada tahun 2013

sebesar

Rp.8.158,2

triliun.

Bila

dilihat

berdasarkan harga berlaku, PDB tahun 2014

adalah sebesar Rp.10.542,7 triliun sedangkan

tahun 2013 adalah Rp.9.524,7triliun.

B. Struktur Pasar

Berdasarkan data Otoritas Jasa Keuangan

pada buku Direktori Perasuransian Indonesia

2014:

Industri

Keuangan

Non

Bank

Perasuransian,

terdapat

82 perusahaan

asuransi umum yang memiliki izin beroperasi di

Indonesia.

C. Premi Bruto

Sampai dengan 31 Desember 2014, premi

bruto asuransi gempa bumi

Underwriting Year

2010 adalah sebesar Rp.

2.116,7

miliar. Premi

bruto untuk

Underwriting Year

2011 tercatat

A. General

Based on Central of Statistics Bureau Data,

Indonesian economic in 2014 as measured by

Gross Domestic Product (GDP) increased by

5.02% compared with 2013. Gross Domestic

Product (GDP) based on Constant Price 2010 in

2014 reached the amount of Rp.8,568.1 trillion

while in 2013 was Rp.8,152.2 trillion. If it is

based on Current Market Price, GDP in 2014

was Rp.10,542.7 trillion while in 2013 was

Rp.9,524.7trillion

B. Market Structure

Based on Financial Services Authority data

in the book of Indonesian Insurance Directory

2014: Non Bank Financial Institution Insurance,

there are 82 general insurers having operating

licenses in Indonesia.

C. Gross Premium

As at 31 December 2014, earthquake gross

premium for Underwriting Year 2010 was Rp.

2,116.7 billion. Gross premium for Underwriting

Year 2011 was recorded

Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2014

(14)

2 Rp.

2.814,2

miliar,

sedangkan

untuk

Underwriting Year

2012 adalah Rp. 2.641,6

miliar. Untuk

Underwriting Year

2013 dan 2014

adalah Rp. 4.251,6 miliar dan Rp. 2.363,3 miliar.

Angka

–

angka ini akan terus bergerak naik

terutama untuk

Underwriting Year

2013 dan

2014.

Tabel 1.1 di bawah ini menyajikan rincian

premi bruto berdasarkan jenis okupasi dari

Underwriting Year

2010 hingga

Underwriting

Year

2014. Prosentase okupasi Industrial selalu

berada pada posisi pendapatan tertinggi

dibanding 3 (tiga) okupasi lainnya (Agrikultural,

Komersial, Residensial), yaitu di atas 47% dari

total premi.

Meskipun okupasi Komersial, Residensial

dan Agrikultural tidak memberikan kontribusi

premi sebesar okupasi Industrial, namun ketiga

okupasi tersebut memperlihatkan pertumbuhan

premi yang cukup signifikan. Hal ini terlihat

terutama pada premi okupasi Komersial pada

Underwriting Year

2011 yang meningkat

sebesar 72,67% dari Rp. 434.837,25 juta di

Underwriting Year 2010

menjadi Rp. 750.839,42

juta.

Rp. 2,814.2

billion, while for Underwriting Year

2012 was Rp. 2,641.6 billion. For Underwriting

Year 2013 and 2014 were Rp. 4,251.6

billion

and Rp. 2,363.3

billion.

These figures would

certainly increase especially for Underwriting

Year 2013 and 2014.

The table 1.1 below shows the details of

gross premium based on occupation from

Underwriting Year 2010 to Underwriting Year

2014. Industrial occupation always has the

biggest percentage income compared to 3

(three) remaining occupations (Agricultural,

Commercial, Residential), that is above 47 %

from premium total.

Although occupation of Commercial,

Residential and Agricultural do not contribute

premium as much as Industrial occupation,

those three occupation show significant

premium growth. In this case, the premium

under Commercial occupation in Underwriting

Year 2011 increased by 72.67% from Rp.

434,837.25 million in Underwriting Year 2010 to

Rp. 750,839.42 million.

Dalam Jutaan Rupiah

In Million Rupiah

2010 20,828.91 0.98% 434,837.25 20.54% 1,297,834.00 61.31% 363,193.59 17.16% 2,116,693.76 2011 23,897.32 0.85% 750,839.42 26.68% 1,697,040.24 60.30% 342,415.00 12.17% 2,814,191.97 2012 29,419.23 1.11% 642,472.64 24.32% 1,624,899.68 61.51% 344,774.72 13.05% 2,641,566.26 2013 34,876.46 0.82% 1,716,969.21 40.38% 2,026,598.04 47.67% 473,164.60 11.13% 4,251,608.32 2014 18,675.26 0.79% 619,524.06 26.21% 1,321,090.22 55.90% 404,021.79 17.10% 2,363,311.32 T O T A L 127,697.18 4,164,642.58 7,967,462.18 1,927,569.70 14,187,371.64

Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 31 Desember 2014

Table 1.1 Gross Premium and Ratio By Occupation as at 31 December 2014

Underwriting

Year

Okupasi

Total

(15)

3 Table 1.2 below shows the number of risks

from Underwriting Year 2010 to Underwriting

Year 2014 recorded until 31 December 2014.

Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 31 December2014

Table 1.2 Number of Risk By Occupation as at 31 December 2014

Jumlah /

Total

%

Jumlah /

Total

%

Jumlah /

Total

%

Jumlah /

Total

%

Jumlah /

Total

%

Agricultural / Agricultural A 441 0.27 379 0.23 420 0.24 481 0.26 224 0.16 Komersial / Commercial C 83,091 50.49 91,412 55.09 94,353 54.55 99,888 53.23 61,308 44.46 Industrial / Industrial I 13,867 8.43 14,995 9.04 17,098 9.89 18,149 9.67 10,516 7.63 Residensial / Residential R 67,179 40.82 59,137 35.64 61,096 35.32 69,139 36.84 65,858 47.76

164,578 100.00 165,923 100.00 172,967 100.00 187,657 100.00 137,906 100.00

Occupation

Jumlah / Total

Okupasi

U/Y 2010

U/Y 2011

U/Y 2012

U/Y 2013

U/Y 2014

Agricultural, 420

Number of Risk By Occupation

As at 31 December 2014

(16)

4 Jumlah risiko terbesar untuk setiap

Underwriting Year

, dalam hal ini dari

Underwriting Year

2010 sampai dengan

Underwriting Year

2014 ada pada okupasi

Komersial, yaitu selalu berada pada rasio di atas

44% dari total risiko. Kemudian diikuti oleh

okupasi Residensial dengan rasio di atas 35%.

Jika terdapat asosiasi antara kontribusi

premi dengan banyaknya risiko maka belum

tentu asosiasi tersebut berbentuk linear dan

positif. Hal ini dibuktikan dengan apabila melihat

dari premi bruto tertinggi berada di okupasi

industrial sedangkan banyak risiko tertinggi

berada pada okupasi komersial.

E. Incurred Claim

Berdasarkan tabel 1.3 di bawah ini,

frekuensi klaim gempa bumi paling banyak

terjadi di

Underwriting Year

2011 yaitu sebanyak

86 klaim dan didominasi okupasi Komersial

sebanyak 61 klaim. Hal ini disebabkan oleh

kejadian gempa bumi di 2011 yaitu Gempa Bumi

Nusa Dua pada tanggal 13 Oktober 2011

dengan kekuatan 6,8 S.R dan Gempa Bumi

Sibolga pada tanggal 6 November 2011 dengan

kekuatan 6,7 S.R.

The highest number of risks for each

Underwriting Year, in this case from

Underwriting Year 2010 to Underwriting Year

2014, is under Commercial occupation, which is

always on the ratio above 44% from the total

risk. Then, it is followed by Residential

occupation with ratio above 35%.

If there is any association between the

premium contribution and the number of risks

then the association is not necessarily linear nor

positive. This is proved which the highest gross

premium is on the industrial occupation while the

highest total risk is under commercial

occupation.

E. Incurred Claim

(17)

5 Berdasarkan Tabel 1.4 dan grafik di bawah

ini terlihat bahwa untuk frekwensi klaim tinggi

berada pada Total Incurred Claim yang relative

kecil, sedangkan untuk frekwensi klaim kecil

berada pada Total Incurred Claim yang relative

besar.

Based on table 1.4 and graph below it can

be seen that the high frequency claims lies in

relatively small Total Claim Incurred, while low

frequency claims lies in relatively big Total Claim

Incurred.

2010

2011

2012

2013

2014

Agrikultural / Agricultural

A

0

0 Komersial / Commercial

C

40

61

15

48

2 Industrial / Industrial

I

1

0

5

0 Residensial / Residential

R

8

25

1

6

4

49

86

16

59

6 Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 31 Desember 2014

Table 1.3 Claim Frequency By Occupation as at 31 December 2014

Occupation

Frekwensi Total Incurred Claim Rata-rata Incurred Claim Incurred Claim Tertinggi Inccured Claim Terendah

Frequency Total Claim Incurred Average Claim Incurred Highest Claim Incurred Lowest Claim Incurred

0 - 50 35 695,607,729 19,874,507 50,000,000 757,900

- 500,000 1 272,010,000,000 272,010,000,000 272,010,000,000 272,010,000,000 500,000

Tabel 1.4 Frekwensi Incurred Claim Underwriting Year 2013 Per 31 Desember 2014

(18)

6 Dengan melihat tabel 1.5 tampak bahwa

jumlah klaim terbesar berada pada Underwriting

Year 2013. Klaim yang terbesar adalah pada

okupasi Komersial, yaitu 99,40% dari total klaim

di

Underwriting Year

2013 atau sebesar Rp.

317,7 miliar.

Tabel 1.6 di bawah ini menyajikan kejadian

Gempa Bumi Tahun 2014 dan

Incurred Claim

sampai dengan 31 Desember 2014.

Looking at table 1.5 below, it shows that the

largest claim is in the Underwriting Year 2013.

The largest claim is under Commercial

occupation that is 99.40% of the total claim in

Underwriting Year 2013 or Rp. 317.7 billion.

Table 1.6 below shows earthquake events

occurred in 2014 and the corresponding

incurred claims as at 31 December 2014.

Table 1.5 Claim Amount By Occupation as at 31 December 2014

Dalam Rupiah

In Rupiah

2010

2011

2012

Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Agrikultural / Agricultural A 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Komersial / Commercial C 42,257,418,914.28 97.42 11,884,257,307.09 97.70 1,969,759,319.05 97.52 317,694,548,449.88 99.40 75,745,036.00 0.00 Industrial / Industrial I 760,224,542.70 1.75 0.00 0.00 0.00 0.00 1,821,282,200.00 0.57 0.00 0.00 Residensial / Residential R 356,785,430.40 0.82 279,190,155.04 2.30 50,000,000.00 2.48 92,602,722.00 0.03 120,000,000.00 0.00 43,374,428,887.38 100.00 12,163,447,462.13 100.00 2,019,759,319.05 100.00 319,608,433,371.88 100.00 195,745,036.00 0.00

2014

Jumlah / Total

Underwriting Year

Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 31 Desember 2014

2013

Okupasi

(19)

7 Tabel 1.7 di bawah ini menyajikan klaim

untuk

event

Cilacap, Palu, Lombok Utara, Kuta

dan Yogya perjenis okupasi.

Tabel di bawah ini adalah daftar klaim

terbesar sampai dengan tanggal 31 Desember

2014.

Table 1.7 shows Cilacap, Palu, Lombok

Utara, Kuta and Yogya events by occupation.

The table below is a list of the largest claims

as at 31 December 2014.

Dalam Rupiah

In Rupiah

No. Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Klaim

Event Date of Loss Magnitude (S.R) Claim

1 ACEH 26-12-2004 9 782,649,961,586.18

Daftar Klaim - Klaim Terbesar Posisi 31 Desember 2014

List of The Largest Claims as at 31 December 2014

Tabel 1.7 Kejadian Gempa Bumi Tahun 2014 dan Klaim per Okupasi per 31 Desember 2014 Table 1.7 Earthquak e Event in 2014 and Claim per Occupation as at 31 December 2014

Event Date of Loss

Agrikultural / Komersial / Industrial / Residensial / Agricultural Commercial Industrial Residential

Cilacap 25-Jan-14 0 0 1 0 0.00 0.00 36,698,400.00 0.00

Palu 23-Feb-14 0 1 0 0 0.00 50,000,000.00 0.00 0.00

Lombok Utara 06-Mar-14 0 0 0 1 0.00 0.00 0.00 7,900,000.00

Kuta 09-Mar-14 0 1 0 0 0.00 15,745,036.00 0.00 0.00

Yogya 02-Apr-14 0 0 0 1 0.00 0.00 0.00 757,900.00

Agricultural Commercial Industrial Residential

Frequency Amount (In Rupiah)

Agrikultural / Komersial / Industrial / Residensial / Kejadian Tanggal Kejadian

Okupasi Occupation

Frekwensi Jumlah (Dalam Rupiah)

Tabel 1.6 Kejadian Gempa Bumi Tahun 2014 dan Klaim per 31 Desember 2014

Table 1.6 Earthquak e Event in 2014 and Claim as at 31 December 2014

Dalam Rupiah

In Rupiah

Kejadian Tanggal Kejadian Kekuatan Gempa (S.R)

Event Date of Loss Magnitude (S.R)

(20)

8 Tabel 1.8 menyajikan data jumlah polis dan

loss ratio per 31 Desember 2014. Tabel tersebut

menunjukkan bahwa loss ratio tertinggi berada

pada

Underwriting Year

2013 sebesar 7,52%.

Hal ini dipengaruhi oleh nilai klaim yang cukup

tinggi yang mayoritas disebabkan dari Erupsi

Gunung Kelud tahun 2014.

Tabel 1.9 menyajikan Premi dan

Exposure

per 31 Desember 2014.

Table 1.8 shows number of policies, and

loss ratio as at 31 December 2014. The table

show that the biggest loss ratio was at

Underwriting Year 2013 i.e. 7.52%. It was

influenced by large amount of claim that majority

resulting from Kelud Eruption in 2014.

Table 1.9 shows Premium and Exposure as

at 31 December 2014.

Tabel 1.8 Jumlah Polis dan Loss Ratio per 31 Desember 2014

Table 1.8 Number of Policies and Loss Ratio as at 31 December 2014

Underwriting

Jumlah Polis

**Premi *)**

Frekwensi Klaim

**Jumlah Klaim *)**

Year

Number of Policies

Premium )*

Claim Frequency

Incurred Claim )*

2010

116,219

2,116,693,759,345.57

49 43,374,428,887.38

2.05%

2011

117,036

2,814,191,973,988.27

86 12,163,447,462.13

0.43%

2012

111,396

2,641,566,261,742.50

16 2,019,759,319.05

0.08%

2013

108,912

4,251,608,321,234.15

59 319,608,433,371.88

7.52%

2014

23,228

2,363,311,323,210.65

6 195,745,036.00

0.01%

Keterangan :

*) Dalam Rupiah

In Rupiah

Loss Ratio

Dalam Jutaan Rupiah

In Million Rupiah

Premi

Exposure

Prem ium

Exposure

2010

2,116,693.76

1,671,531,710.28

2011

2,814,191.97

2,149,425,314.51

2012

2,641,566.26

1,929,142,715.41

2013

4,251,608.32

2,604,084,621.41

2014

2,363,311.32

1,526,171,435.16

T O T A L

14,187,371.64

9,880,355,796.77

Tabel 1.9 Premi dan Exposure per 31 Desember 2014

Table 1.9 Premium and Exposure as at 31 December 2014

(21)

9 Tab le 2.1

in IDR

Amount

%

Amount

%

Amount

%

Amount

%

Amount

%

BANDA ACEH 1.1 3,495,880,799,242.15 0.21 4,608,961,565,236.65 0.21 3,839,464,940,729.90 0.20 4,665,592,442,569.94 0.18 747,126,659,473.20 0.05 MEDAN 1.2 39,898,396,544,953.00 2.39 46,286,082,698,019.40 2.15 39,486,266,999,271.10 2.05 47,983,258,003,831.60 1.84 35,150,189,501,349.40 2.30 OTHERS 1.3 66,106,683,411,639.70 3.95 98,737,449,809,919.40 4.59 40,063,044,376,090.00 2.08 49,326,588,501,819.30 1.89 21,216,057,689,177.60 1.39 NORTH SUMATERA 1 109,500,960,755,835.00 6.55 149,632,494,073,175.00 6.96 83,388,776,316,091.00 4.32 101,975,438,948,221.00 3.92 57,113,373,850,000.20 3.74 PADANG 2.1 18,588,234,582,958.80 1.11 15,954,303,293,262.30 0.74 18,413,272,574,764.00 0.95 26,972,111,977,209.80 1.04 10,837,508,457,114.10 0.71 PALEMBANG 2.2 20,439,045,202,732.10 1.22 15,166,152,211,490.50 0.71 18,870,617,822,765.90 0.98 22,982,972,756,231.20 0.88 8,454,938,402,942.32 0.55 OTHERS 2.3 97,872,725,908,582.00 5.86 122,456,097,403,710.00 5.70 134,030,678,302,339.00 6.95 148,971,445,809,269.00 5.72 107,230,996,531,835.00 7.03 SOUTH SUMATERA 2 136,900,005,694,273.00 8.19 153,576,552,908,463.00 7.15 171,314,568,699,869.00 8.88 198,926,530,542,709.00 7.64 126,523,443,391,891.00 8.29 JAKARTA 3.1 304,824,691,069,791.00 18.24 464,405,939,083,112.00 21.61 398,765,147,964,504.00 20.67 432,489,535,629,069.00 16.61 354,181,355,824,607.00 23.21 BANDUNG 3.2 5,935,570,412,798.67 0.36 6,780,310,055,825.06 0.32 10,941,947,640,185.80 0.57 10,391,119,387,280.80 0.40 6,445,772,680,759.95 0.42 OTHERS 3.3 601,855,470,316,386.00 36.01 605,131,852,895,557.00 28.15 654,590,279,350,805.00 33.93 974,990,904,256,672.00 37.44 470,943,502,962,116.00 30.86 WEST JAVA 3 912,615,731,798,976.00 54.60 1,076,318,102,034,490.00 50.07 1,064,297,374,955,490.00 55.17 1,417,871,559,273,020.00 54.45 831,570,631,467,483.00 54.49 SEMARANG 4.1 10,367,214,200,409.60 0.62 6,547,169,388,280.43 0.30 7,042,365,865,947.66 0.37 6,660,481,653,498.73 0.26 4,010,949,930,719.39 0.26 YOGYAKARTA 4.2 9,031,049,769,491.59 0.54 10,227,924,407,900.00 0.48 9,214,124,746,684.97 0.48 8,519,214,571,701.41 0.33 5,744,520,750,406.83 0.38 OTHERS 4.3 59,368,748,605,101.20 3.55 116,804,919,938,213.00 5.43 102,402,508,562,055.00 5.31 135,253,007,746,390.00 5.19 71,858,499,143,422.50 4.71 CENTRAL JAVA 4 78,767,012,575,002.40 4.71 133,580,013,734,394.00 6.21 118,658,999,174,688.00 6.15 150,432,703,971,590.00 5.78 81,613,969,824,548.70 5.35 SURABAYA 5.1 95,847,522,591,421.60 5.73 87,137,349,483,550.50 4.05 50,392,948,947,809.00 2.61 38,274,677,177,554.40 1.47 43,313,882,279,238.50 2.84 OTHERS 5.2 150,491,747,050,333.00 9.00 300,945,414,856,445.00 14.00 209,924,031,786,651.00 10.88 200,276,137,710,621.00 7.69 140,116,529,368,526.00 9.18 EAST JAVA 5 246,339,269,641,754.00 14.74 388,082,764,339,995.00 18.06 260,316,980,734,460.00 13.49 238,550,814,888,175.00 9.16 183,430,411,647,765.00 12.02 KALIMANTAN 6 78,288,008,445,091.90 4.68 122,839,704,752,261.00 5.72 101,257,693,194,739.00 5.25 126,158,412,345,002.00 4.84 70,890,454,994,371.70 4.64 UJUNG PANDANG 7.1 8,852,259,330,092.91 0.53 10,441,385,729,218.00 0.49 10,377,976,525,033.30 0.54 14,057,441,851,189.90 0.54 12,172,475,875,604.60 0.80 OTHERS 7.2 50,758,451,376,965.10 3.04 59,647,999,896,905.30 2.78 54,499,207,781,359.00 2.83 38,542,467,976,568.40 1.48 99,273,334,186,173.60 6.50 SULAWESI 7 59,610,710,707,058.00 3.57 70,089,385,626,123.30 3.26 64,877,184,306,392.20 3.36 52,599,909,827,758.30 2.02 111,445,810,061,778.00 7.30 OTHER ISLANDS 8 49,510,010,659,362.60 2.96 55,306,297,043,097.90 2.57 65,031,138,032,496.20 3.37 317,569,251,609,867.00 12.20 63,583,339,920,495.10 4.17 1,671,531,710,277,350.00 100.00 2,149,425,314,512,000.00 100.00 1,929,142,715,414,230.00 100.00 2,604,084,621,406,350.00 100.00 1,526,171,435,158,330.00 100.00

U/Y 2014

As At 31/12/2014

National Aggregate Exposure By Cresta Zone

T O T A L

U/Y 2013

Cresta Zone

U/Y 2012

(22)

10

83,388.78 171,314.57

1,064,297.37

118,659.00

260,316.98

101,257.69

64,877.18

65,031.14

101,975.44 198,926.53

1,417,871.56

150,432.70

238,550.81

126,158.41 52,599.91

317,569.25

57,113.37 126,523.44

831,570.63

81,613.97

183,430.41

70,890.45

111,445.81

63,583.34

National Aggregate Exposure By Cresta Zone

As at 31 December 2014

(In Billion IDR)

109,500.96 136,900.01

912,615.73

78,767.01

246,339.27

78,288.01

59,610.71 49,510.01

149,632.49 153,576.55

1,076,318.10

133,580.01

388,082.76

122,839.70

70,089.39

55,306.30

UY 2010

UY 2011

UY 2012

(23)

11 Amount

%

Amount

%

Amount

%

Amount

%

Amount

%

AGRICULTURAL A 17,593,981,439,651.60 1.05 20,170,306,793,199.60 0.94 23,543,592,772,030.10 1.22 25,850,470,360,216.00 0.99 14,812,265,396,714.00 0.97 COMMERCIAL C 314,262,201,730,157.00 18.80 538,353,550,582,770.00 25.05 450,450,164,139,134.00 23.35 945,861,138,961,698.00 36.32 403,332,897,241,984.00 26.43 INDUSTRIAL I 1,067,155,494,792,590.00 63.84 1,358,413,291,954,130.00 63.20 1,225,796,552,609,060.00 63.54 1,315,566,653,822,120.00 50.52 856,931,736,706,998.00 56.15 RESIDENTIAL R 272,520,032,314,954.00 16.30 232,488,165,181,908.00 10.82 229,352,405,894,004.00 11.89 316,806,358,262,308.00 12.17 251,094,535,812,637.00 16.45 1,671,531,710,277,350.00 100.00 2,149,425,314,512,000.00 100.00 1,929,142,715,414,230.00 100.00 2,604,084,621,406,350.00 100.00 1,526,171,435,158,330.00 100.00

U/Y 2010

U/Y 2011

Tab le 2.2

Occupation

As At 31/12/2014

National Aggregate Exposure By Occupation

T O T A L

U/Y 2012

U/Y 2013

U/Y 2014

(24)

12 ( In Billion IDR )

Agricultural, 23,543.59 Commercial, 450,450.16

Industrial, 1,225,796.55

Residential, 229,352.41

Agricultural, 25,850.47 Commercial, 945,861.14

Industrial, 1,315,566.65

Agricultural, 14,812.27

Commercial, 403,332.90 Industrial, 856,931.74

National Aggregate Exposure By Occupation

As at 31 December 2014

Industrial, 1,067,155.49

Industrial, 1,358,413.29

UY 2010

UY 2011

UY 2012

UY 2013

(25)

13

Tab le 2.3

Amount % Amount % Amount % Amount % Amount %

Building 766,244,399,165,127.00 45.84 958,903,776,514,406.00 44.61 798,671,573,282,359.00 41.40 943,699,042,667,684.00 36.24 586,979,067,115,808.00 38.46 Machinery 374,087,886,901,347.00 22.38 431,864,434,206,554.00 20.09 390,698,576,474,382.00 20.25 441,285,867,220,239.00 16.95 344,397,101,148,102.00 22.57 Others 183,172,234,683,109.00 10.96 254,262,457,503,071.00 11.83 274,886,671,768,546.00 14.25 471,732,521,202,327.00 18.12 177,298,761,582,607.00 11.62 Stock 217,174,294,649,453.00 12.99 284,344,420,668,283.00 13.23 281,199,517,743,995.00 14.58 323,388,546,667,591.00 12.42 211,899,531,602,187.00 13.88 Bussiness Interruption 130,852,894,878,316.00 7.83 220,050,225,619,690.00 10.24 183,686,376,144,946.00 9.52 423,978,643,648,505.00 16.28 205,596,973,709,629.00 13.47 T O T A L 1,671,531,710,277,350.00 100.00 2,149,425,314,512,000.00 100.00 1,929,142,715,414,230.00 100.00 2,604,084,621,406,350.00 100.00 1,526,171,435,158,330.00 100.00

National Aggregate Exposure By Interest

In IDR

Interest

U/Y 2012

U/Y 2013

U/Y 2014

As At 31/12/2014

(26)

(27)

15

Tab le 2.4

In IDR

Amount % Amount % Amount % Amount % Amount %

01. NAD 46,014,656,466,409.00 2.75 61,526,298,867,310.90 2.86 8,231,868,689,952.92 0.43 9,088,497,478,727.49 0.35 2,911,968,873,207.98 0.19 02. SUMATERA UTARA 63,486,304,289,425.90 3.80 88,106,195,205,864.50 4.10 75,156,907,626,138.10 3.90 92,886,941,469,493.40 3.57 54,201,404,976,792.20 3.55 03. SUMATERA BARAT 22,408,712,992,181.50 1.34 23,100,967,279,292.50 1.07 26,414,100,677,274.60 1.37 36,975,173,829,529.40 1.42 15,479,627,030,839.50 1.01 04. RIAU 32,775,423,381,286.80 1.96 34,792,656,469,754.20 1.62 33,313,694,594,896.10 1.73 47,642,572,184,237.40 1.83 29,824,102,387,880.20 1.95 05. JAMBI 5,229,365,051,921.28 0.31 8,126,179,638,051.55 0.38 10,895,449,767,449.70 0.56 10,906,819,720,562.70 0.42 5,970,659,568,392.78 0.39 06. SUMATERA SELATAN 37,898,109,822,304.80 2.27 30,246,924,977,797.60 1.41 40,588,870,108,329.40 2.10 41,546,157,693,254.90 1.60 27,432,385,891,596.50 1.80 07. BENGKULU 3,089,196,866,017.82 0.18 4,060,673,197,435.66 0.19 4,429,108,259,198.32 0.23 4,859,327,088,433.02 0.19 2,688,111,589,498.86 0.18 08. LAMPUNG 16,664,884,556,586.80 1.00 27,534,812,464,501.00 1.28 28,246,801,199,800.90 1.46 25,667,366,382,034.10 0.99 18,988,064,135,812.30 1.24 09. KEP BANGKA-BELITUNG 3,336,058,201,436.26 0.20 3,041,959,885,166.98 0.14 3,769,483,222,963.56 0.20 4,502,325,263,158.99 0.17 1,703,824,000,493.82 0.11 10. KEPULAUAN RIAU 15,498,254,822,537.40 0.93 22,672,378,996,463.70 1.05 23,657,060,869,956.10 1.23 26,826,788,381,499.10 1.03 24,436,668,787,377.40 1.60 11. JAKARTA 304,824,691,069,791.00 18.24 464,405,939,083,112.00 21.61 398,765,147,964,504.00 20.67 432,489,535,629,069.00 16.61 354,181,355,824,607.00 23.21 12. JAWA BARAT 395,856,887,033,770.00 23.68 400,940,521,827,649.00 18.65 448,178,872,106,972.00 23.23 705,292,830,823,398.00 27.08 340,647,613,053,013.00 22.32 13. JAWA TENGAH 68,286,066,186,836.40 4.09 121,725,177,084,954.00 5.66 107,225,982,919,285.00 5.56 139,005,766,651,937.00 5.34 73,473,330,658,481.50 4.81 14. DIY 10,480,946,388,166.00 0.63 11,854,836,649,440.00 0.55 11,433,016,255,403.10 0.59 11,426,937,319,653.50 0.44 8,140,639,166,067.23 0.53 15. JAWA TIMUR 246,339,269,641,754.00 14.74 388,082,764,339,995.00 18.06 260,316,980,734,460.00 13.49 238,550,814,888,175.00 9.16 183,430,411,647,765.00 12.02 16. BANTEN 211,934,153,695,415.00 12.68 210,971,641,123,733.00 9.82 217,353,354,884,018.00 11.27 280,089,192,820,555.00 10.76 136,741,662,589,863.00 8.96 17. BALI 39,388,712,490,115.70 2.36 43,282,480,532,299.20 2.01 50,121,527,638,424.10 2.60 302,582,088,814,057.00 11.62 48,467,238,201,654.80 3.18 18. NUSA TENGGARA BARAT 2,915,151,771,130.72 0.17 3,077,047,054,149.34 0.14 3,827,061,635,532.07 0.20 4,519,786,644,225.11 0.17 6,277,755,878,079.54 0.41 19. NUSA TENGGARA TIMUR 862,786,991,135.17 0.05 1,617,483,032,767.29 0.08 2,109,046,479,044.15 0.11 1,752,041,709,512.98 0.07 1,690,901,964,813.75 0.11 20. KALIMANTAN BARAT 4,184,375,704,375.67 0.25 6,929,074,391,744.74 0.32 6,287,064,336,371.34 0.33 8,058,602,953,961.14 0.31 7,816,537,077,239.35 0.51 21. KALIMANTAN TENGAH 11,726,628,849,876.80 0.70 12,214,732,033,229.00 0.57 11,779,392,838,175.60 0.61 17,307,987,814,281.70 0.66 16,705,388,836,094.50 1.09 22. KALIMANTAN SELATAN 14,511,411,705,943.40 0.87 28,151,320,447,496.90 1.31 14,602,282,782,755.70 0.76 36,936,891,817,714.20 1.42 13,273,301,252,163.30 0.87 23. KALIMANTAN TIMUR 47,865,592,184,896.00 2.86 75,544,577,879,790.50 3.51 68,588,953,237,436.50 3.56 63,854,929,759,044.80 2.45 33,095,227,828,874.60 2.17 24. SULAWESI UTARA 8,844,145,995,986.23 0.53 20,478,391,127,098.30 0.95 11,170,168,140,004.50 0.58 16,072,771,025,235.70 0.62 9,921,249,446,368.79 0.65 25. SULAWESI TENGAH 1,344,987,489,172.88 0.08 2,234,831,075,451.70 0.10 2,111,441,851,003.92 0.11 4,181,876,369,747.64 0.16 2,608,915,338,453.48 0.17 26. SULAWESI SELATAN 16,571,176,175,342.90 0.99 24,508,942,520,664.60 1.14 26,714,572,472,823.40 1.38 27,545,073,710,591.10 1.06 78,635,816,919,012.70 5.15 27. SULAWESI TENGGARA 18,974,413,466,606.60 1.14 9,114,245,475,615.48 0.42 9,730,700,947,572.02 0.50 1,513,553,072,172.13 0.06 16,516,477,744,881.00 1.08 28. GORONTALO 12,013,589,166,240.30 0.72 12,799,959,249,629.60 0.60 14,030,869,267,483.70 0.73 1,999,735,606,857.58 0.08 789,107,217,493.49 0.05 29. SULAWESI BARAT 1,862,398,413,709.09 0.11 953,016,177,663.56 0.04 1,119,431,627,504.72 0.06 1,286,900,043,154.22 0.05 2,974,243,395,568.70 0.19 30. MALUKU 959,192,107,230.57 0.06 1,012,162,473,294.66 0.05 1,293,638,879,671.43 0.07 1,835,472,975,995.64 0.07 1,503,672,083,364.48 0.10 31. MALUKU UTARA 431,793,359,211.90 0.03 599,594,466,006.82 0.03 838,592,023,935.22 0.04 536,597,259,258.84 0.02 520,371,476,397.86 0.03 32. PAPUA BARAT 1,739,199,010,115.30 0.10 2,191,055,888,141.29 0.10 3,235,431,707,249.94 0.17 2,592,512,943,238.42 0.10 1,940,013,974,537.76 0.13 33. PAPUA 3,213,174,930,423.17 0.19 3,526,473,596,439.34 0.16 3,605,839,668,639.26 0.19 3,750,751,263,579.27 0.14 3,183,386,341,646.92 0.21

T O T A L 1,671,531,710,277,350.00 100.00 2,149,425,314,512,000.00 100.00 1,929,142,715,414,230.00 100.00 2,604,084,621,406,350.00 100.00 1,526,171,435,158,330.00 100.00

Province U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2014

National Aggregate Exposure By Province

As At 31/12/2014

(28)

16 Tab le 3.1

in IDR

U/Y 2010

U/Y 2011

U/Y 2012

Amount

%

Amount

%

Amount

%

Amount

%

Amount

%

BANDA ACEH 1.1 6,051,202,306.20 0.29 7,255,283,677.40 0.26 7,248,598,498.52 0.27 8,881,676,185.72 0.21 1,438,293,045.29 0.06 MEDAN 1.2 47,673,497,420.22 2.25 54,391,678,378.55 1.93 49,057,405,453.27 1.86 65,019,613,559.29 1.53 48,370,129,983.37 2.05 OTHERS 1.3 84,285,242,255.56 3.98 132,337,261,203.50 4.70 52,565,709,149.06 1.99 75,489,213,655.47 1.78 31,010,826,992.26 1.31 NORTH SUMATERA 1 138,009,941,981.98 6.52 193,984,223,259.45 6.89 108,871,713,100.85 4.12 149,390,503,400.48 3.51 80,819,250,020.92 3.42 PADANG 2.1 32,778,827,007.39 1.55 29,722,664,380.28 1.06 34,706,692,449.72 1.31 51,978,390,247.26 1.22 20,179,737,639.28 0.85 PALEMBANG 2.2 19,383,104,938.80 0.92 14,170,019,921.46 0.50 17,638,821,394.64 0.67 24,274,700,236.15 0.57 8,694,455,195.04 0.37 OTHERS 2.3 108,788,602,446.87 5.14 136,325,771,692.64 4.84 155,394,230,649.01 5.88 192,101,128,558.49 4.52 138,923,243,154.50 5.88 SOUTH SUMATERA 2 160,950,534,393.06 7.60 180,218,455,994.38 6.40 207,739,744,493.37 7.86 268,354,219,041.90 6.31 167,797,435,988.82 7.10 JAKARTA 3.1 433,910,542,004.54 20.50 669,669,520,934.73 23.80 597,612,860,435.61 22.62 697,994,679,891.89 16.42 594,305,245,952.15 25.15 BANDUNG 3.2 8,241,042,107.75 0.39 9,916,805,917.11 0.35 16,343,625,486.30 0.62 16,183,329,875.96 0.38 9,965,568,152.70 0.42 OTHERS 3.3 778,644,398,352.92 36.79 833,535,780,053.36 29.62 951,567,888,791.94 36.02 1,665,264,469,164.24 39.17 785,491,284,627.91 33.24 WEST JAVA 3 1,220,795,982,465.21 57.67 1,513,122,106,905.20 53.77 1,565,524,374,713.85 59.27 2,379,442,478,932.09 55.97 1,389,762,098,732.76 58.81 SEMARANG 4.1 11,636,480,141.95 0.55 7,986,696,304.55 0.28 8,736,950,809.93 0.33 8,985,037,244.21 0.21 5,576,763,141.15 0.24 YOGYAKARTA 4.2 13,009,093,100.49 0.61 15,336,936,026.90 0.54 14,028,296,428.53 0.53 13,248,795,189.04 0.31 8,798,792,676.68 0.37 OTHERS 4.3 71,914,369,548.34 3.40 146,322,144,818.04 5.20 128,178,167,116.80 4.85 183,914,181,226.18 4.33 101,480,793,752.13 4.29 CENTRAL JAVA 4 96,559,942,790.78 4.56 169,645,777,149.49 6.03 150,943,414,355.26 5.71 206,148,013,659.43 4.85 115,856,349,569.96 4.90 SURABAYA 5.1 111,164,194,690.21 5.25 110,500,306,327.69 3.93 64,169,506,826.79 2.43 49,726,873,433.19 1.17 61,121,940,313.23 2.59 OTHERS 5.2 175,300,322,745.79 8.28 360,993,980,958.49 12.83 259,493,110,349.52 9.82 281,674,754,797.53 6.63 201,418,198,237.61 8.52 EAST JAVA 5 286,464,517,436.00 13.53 471,494,287,286.18 16.75 323,662,617,176.31 12.25 331,401,628,230.72 7.79 262,540,138,550.84 11.11 KALIMANTAN 6 68,410,654,079.24 3.23 103,391,973,974.23 3.67 93,636,972,236.17 3.54 130,971,396,065.57 3.08 72,437,567,577.71 3.07 UJUNG PANDANG 7.1 8,854,097,129.22 0.42 9,478,927,946.13 0.34 9,912,216,528.27 0.38 14,162,655,403.25 0.33 13,077,821,940.94 0.55 OTHERS 7.2 67,259,874,119.90 3.18 93,696,626,356.62 3.33 83,503,962,438.90 3.16 62,104,736,428.82 1.46 155,512,678,164.18 6.58 SULAWESI 7 76,113,971,249.12 3.60 103,175,554,302.75 3.67 93,416,178,967.17 3.54 76,267,391,832.07 1.79 168,590,500,105.12 7.13 OTHER ISLANDS 8 69,388,214,950.18 3.28 79,159,595,116.55 2.81 97,771,246,699.52 3.70 709,632,690,071.88 16.69 105,507,982,664.52 4.46 2,116,693,759,345.57 100.00 2,814,191,973,988.23 100.00 2,641,566,261,742.50 100.00 4,251,608,321,234.14 100.00 2,363,311,323,210.65 100.00

U/Y 2014

As At 31/12/2014

National Gross Premium By Cresta Zone

T O T A L

(29)

17 National Gross Premium By Cresta Zone

As at 31 December 2014

(30)

18 U/Y 2010

U/Y 2011

U/Y 2012

Amount

%

Amount

%

Amount

%

Amount

%

Amount

%

AGRICULTURAL A 20,828,909,822.51 0.98 23,897,315,368.61 0.85 29,419,229,652.86 1.11 34,876,464,798.31 0.82 18,675,258,226.35 0.79 COMMERCIAL C 434,837,251,208.41 20.54 750,839,421,933.93 26.68 642,472,639,574.03 24.32 1,716,969,212,831.83 40.38 619,524,056,147.17 26.21 INDUSTRIAL I 1,297,834,004,593.05 61.31 1,697,040,240,241.14 60.30 1,624,899,675,237.71 61.51 2,026,598,041,863.06 47.67 1,321,090,215,202.30 55.90 RESIDENTIAL R 363,193,593,721.56 17.16 342,414,996,444.56 12.17 344,774,717,277.90 13.05 473,164,601,740.95 11.13 404,021,793,634.83 17.10 2,116,693,759,345.53 100.00 2,814,191,973,988.24 100.00 2,641,566,261,742.50 100.00 4,251,608,321,234.15 100.00 2,363,311,323,210.65 100.00

As At 31/12/2014

National Gross Premium By Occupation

T O T A L

U/Y 2013

U/Y 2014

in IDR

Tab le 3.2

(31)

19 ( In Billion IDR )

Industrial, 1,225,796.55

Industrial, 1,315,566.65

Agricultural, 14,812.27

Commercial, 403,332.90 Industrial, 856,931.74

National Aggregate Exposure By Occupation

As at 31 December 2014

Industrial, 1,067,155.49

Industrial, 1,358,413.29

UY 2010

UY 2011

UY 2012

UY 2013

(32)

20 Tab le 3.3

In IDR

Amount

%

Amount

%

Amount

%

Amount

%

Amount

%

01. NAD 61,933,427,650.03 2.93 87,272,745,480.81 3.10 12,322,756,854.35 0.47 16,212,999,533.71 0.38 5,091,341,010.80 0.22 02. SUMATERA UTARA 76,076,514,331.93 3.59 106,711,477,778.64 3.79 96,548,956,246.51 3.65 133,177,503,866.76 3.13 75,727,909,010.11 3.20 03. SUMATERA BARAT 39,338,010,826.10 1.86 40,326,642,779.02 1.43 47,371,801,948.12 1.79 70,412,946,017.69 1.66 28,337,331,931.33 1.20 04. RIAU 33,033,443,273.00 1.56 34,916,965,244.00 1.24 35,217,466,736.98 1.33 55,756,882,454.75 1.31 34,736,850,618.73 1.47 05. JAMBI 5,242,221,847.08 0.25 7,938,259,820.08 0.28 10,791,807,426.72 0.41 12,343,542,592.75 0.29 6,807,811,027.90 0.29 06. SUMATERA SELATAN 39,281,214,918.39 1.86 31,091,594,331.29 1.10 42,225,257,071.65 1.60 48,975,548,628.88 1.15 36,216,851,619.98 1.53 07. BENGKULU 5,473,349,023.87 0.26 7,256,169,725.58 0.26 8,237,837,085.21 0.31 9,804,776,463.34 0.23 5,196,899,868.66 0.22 08. LAMPUNG 22,692,710,088.11 1.07 37,249,898,677.14 1.32 39,905,132,712.32 1.51 39,214,958,290.62 0.92 29,220,233,520.15 1.24 09. KEP BANGKA-BELITUNG 2,953,443,103.05 0.14 2,654,439,798.01 0.09 3,394,693,966.44 0.13 4,376,254,230.71 0.10 1,645,316,338.27 0.07 10. KEPULAUAN RIAU 12,936,141,313.44 0.61 18,784,485,619.28 0.67 20,595,747,545.93 0.78 27,469,310,363.17 0.65 25,636,141,063.80 1.08 11. JAKARTA 433,910,542,004.54 20.50 669,669,520,934.73 23.80 597,612,860,435.61 22.62 697,994,679,891.89 16.42 594,305,245,952.15 25.15 12. JAWA BARAT 504,454,579,276.75 23.83 549,775,612,533.25 19.54 649,202,133,991.13 24.58 1,205,838,311,325.53 28.36 566,618,351,732.30 23.98 13. JAWA TENGAH 81,521,601,724.06 3.85 151,888,826,113.28 5.40 133,607,366,530.92 5.06 188,465,060,856.00 4.43 103,390,538,888.04 4.37 14. DIY 15,038,341,066.72 0.71 17,756,951,036.21 0.63 17,336,047,824.33 0.66 17,682,952,803.43 0.42 12,465,810,681.92 0.53 15. JAWA TIMUR 286,464,517,436.00 13.53 471,494,287,286.19 16.75 323,662,617,176.32 12.25 331,401,628,230.73 7.79 262,540,138,550.84 11.11 16. BANTEN 282,430,861,183.92 13.34 293,676,973,437.22 10.44 318,709,380,287.11 12.07 475,609,487,714.66 11.19 228,838,501,048.32 9.68 17. BALI 54,063,520,550.42 2.55 60,357,067,500.68 2.14 72,961,917,600.29 2.76 682,785,893,657.11 16.06 78,210,871,889.87 3.31 18. NUSA TENGGARA BARAT 4,440,906,653.30 0.21 5,152,954,498.64 0.18 7,071,006,825.92 0.27 8,802,969,699.51 0.21 11,630,709,649.13 0.49 19. NUSA TENGGARA TIMUR 1,281,077,691.84 0.06 2,433,951,389.85 0.09 3,238,797,428.24 0.12 2,812,496,001.85 0.07 2,843,895,111.45 0.12 20. KALIMANTAN BARAT 3,715,242,385.16 0.18 6,039,986,630.20 0.21 5,583,831,650.53 0.21 7,801,543,847.70 0.18 7,862,944,530.08 0.33 21. KALIMANTAN TENGAH 9,889,548,328.95 0.47 10,262,245,474.31 0.36 10,661,044,693.59 0.40 17,958,489,273.68 0.42 17,515,051,704.80 0.74 22. KALIMANTAN SELATAN 12,861,818,728.25 0.61 23,762,331,278.15 0.84 13,295,154,786.58 0.50 37,315,778,410.83 0.88 12,567,430,084.75 0.53 23. KALIMANTAN TIMUR 41,944,044,636.88 1.98 63,327,410,591.57 2.25 64,096,941,105.46 2.43 67,895,584,533.35 1.60 34,492,141,258.09 1.46 24. SULAWESI UTARA 14,764,191,364.03 0.70 37,732,408,368.21 1.34 20,970,212,778.36 0.79 32,959,504,345.17 0.78 20,490,377,892.28 0.87 25. SULAWESI TENGAH 2,004,618,104.55 0.09 3,453,309,420.21 0.12 3,324,143,318.87 0.13 6,862,013,070.21 0.16 4,281,219,265.49 0.18 26. SULAWESI SELATAN 17,199,396,856.17 0.81 24,634,050,796.95 0.88 27,699,734,433.87 1.05 28,412,649,869.63 0.67 112,672,045,540.57 4.77 27. SULAWESI TENGGARA 21,176,342,881.42 1.00 10,519,505,924.99 0.37 11,914,673,955.76 0.45 2,269,405,998.90 0.05 25,118,283,517.11 1.06 28. GORONTALO 18,303,446,175.48 0.86 25,429,749,615.48 0.90 27,830,875,142.23 1.05 3,836,338,417.27 0.09 1,566,477,337.75 0.07 29. SULAWESI BARAT 2,665,975,867.48 0.13 1,406,530,176.92 0.05 1,676,539,338.07 0.06 1,927,480,130.89 0.05 4,462,096,551.91 0.19 30. MALUKU 1,748,451,819.08 0.08 1,761,141,005.57 0.06 2,358,964,475.46 0.09 3,456,936,294.54 0.08 2,912,579,382.63 0.12 31. MALUKU UTARA 736,016,880.37 0.03 1,055,956,776.04 0.04 1,479,457,700.98 0.06 1,033,934,795.32 0.02 987,939,649.35 0.04 32. PAPUA BARAT 2,543,602,599.57 0.12 3,177,814,430.49 0.11 4,823,778,402.01 0.18 4,192,732,314.06 0.10 3,250,714,401.89 0.14 33. PAPUA 4,574,638,755.60 0.22 5,220,709,515.28 0.19 5,837,324,266.62 0.22 6,547,727,309.50 0.15 5,671,272,580.19 0.24 T O T A L 2,116,693,759,345.54 100.00 2,814,191,973,988.27 100.00 2,641,566,261,742.49 100.00 4,251,608,321,234.14 100.00 2,363,311,323,210.64 100.00