PT Reasuransi MAIPARK Indonesia
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
Yasril Y. Rasyid
President Director
Hal.
Kata Pengantar ... i
Daftar Isi ... ii
Informasi Statistik ... vii
Ikhtisar Statistik Asuransi Gempa Bumi
Indonesia Juni 2015 ...
A. Umum ... 1
B. Struktur Pasar ... 1
C. Premi Bruto ... 1
D. Jumlah Risiko ... 3
E. Incurred Claim ... 5
Exposure Asuransi Gempa Bumi Indonesia ...
Tabel 2.1. Exposure Per Cresta Zone ... 10
Tabel 2.2. Exposure Per Okupasi ... 12
Tabel 2.3. Exposure Per Interest... 14
Tabel 2.4. Exposure Per Provinsi ... 16
Tabel 2.5. Exposure Per Kelas Konstruksi ... 17
Premi Bruto Asuransi Gempa Bumi Indonesia
... ….
Tabel 3.1. Gross Premium Per Cresta Zone .. 19
Tabel 3.2. Gross Premium Per Okupasi ... 21
Tabel 3.3. Gross Premium Per Provinsi ... 23
Tabel 3.5. Gross Premium Per Kelas Konstruksi
... 24
Jumlah Risiko Asuransi Gempa Bumi Indonesia
...
Tabel 4.1. Jumlah Risiko Per Cresta Zone ... 26
Tabel 4.2. Jumlah Risiko Per Okupasi ... 28
Tabel 4.3. Jumlah Risiko Per Kelas Konstruksi
... 30
Klaim Asuransi Gempa Bumi Indonesia ...
Tabel 5.1. Klaim Frekwensi Per Cresta Zone.. 32
Tabel 5.2. Klaim Frekwensi Per Okupasi ... 34
Page
Foreword ... i
Contents ... ii
Statistic Information ... vii
Statistic Overview of Indonesian Earthquake
Insurance June 2015 ...
A. General ... 1
B. Market Structure ... 1
C. Gross Premium ... 1
D. Number of Risk ... 3
E. Incurred Claim ... 5
Indonesian Earthquake Insurance Exposure ...
Table 2.1. Exposure By Cresta Zone ... 10
Table 2.2. Exposure By Occupation ... 12
Table 2.3. Exposure By Interest ... 14
Table 2.4. Exposure By Province ... 16
Tabel 2.5. Exposure By Construction Class .... 17
Indonesian Earthquake Insurance Gross
Premium ...
Table 3.1. Gross Premium By Cresta Zone ... 19
Table 3.2. Gross Premium By Occupation .... 21
Table 3.3. Gross Premium By Province ... 23
Table 3.5. Gross Premium By Construction Class
... 24
Indonesian Earthquake Insurance Number of
Risks ...
Table 4.1. Number of Risk By Cresta Zone ... 26
Table 4.2. Number of Risk By Occupation .... 28
Table 4.3. Number of Risk By Construction Class
... 30
Indonesian Earthquake Insurance Claim ...
Table 5.1. Claim Frequency By Cresta Zone .. 32
Table 5.2. Claim Frequency By Occupation….34
Daftar Isi
Content
Tabel 5.4.. Klaim Per Cresta Zone ... 36
Tabel
5.5.
Klaim
Per
Okupasi
... ………...38
Profil Risiko dan Klaim ...
Underwriting Year 2011 - 2015,
Seluruh Okupasi ... 40
Underwriting Year 2015, Seluruh Okupasi ... 41
Underwriting Year 2014, Seluruh Okupasi ... 42
Underwriting Year 2013, Seluruh Okupasi ... 43
Underwriting Year 2012, Seluruh Okupasi ... 44
Underwriting Year 2011, Seluruh Okupasi ... 45
Profil Risiko dan Klaim
Underwriting Year
2015
Per Okupasi ...
Okupasi Agrikultural ... 46
Okupasi Komersial ... 47
Okupasi Industrial ... 48
Okupasi Residensial ... 49
Profil Risiko dan Klaim
Underwriting Year
2014
Per Okupasi ...
Okupasi Agrikultural ... 50
Okupasi Komersial ... 51
Okupasi Industrial ... 52
Okupasi Residensial ... 53
Profil Risiko dan Klaim
Underwriting Year
2013
Per Okupasi ...
Okupasi Agrikultural ... 54
Okupasi Komersial ... 55
Okupasi Industrial ... 56
Okupasi Residensial ... 57
Table 5.4. Claim By Cresta Zone . ... …….36
Table 5.5 Claim By Occupation ... …..38
Risk and Loss Profile ...
Underwriting
Year
2011
-
2015,
All Occupation ... 40
Underwriting Year 2015, All Occupation ... 41
Underwriting Year 2014, All Occupation ... 42
Underwriting Year 2013, All Occupation ... 43
Underwriting Year 2012, All Occupation ... 44
Underwriting Year 2011, All Occupation ... 45
Risk and Loss Profile Underwriting Year 2015
By Occupation …. ...
Agricultural Occupation ... 46
Commercial Occupation ... 47
Industrial Occupation ... 48
Residential Occupation ... 49
Risk and Loss Profile Underwriting Year 2014
By Occupation …. ...
Agricultural Occupation ... 50
Commercial Occupation ... 51
Industrial Occupation ... 52
Residential Occupation ... 53
Risk and Loss Profile Underwriting Year 2013
By Occupation …. ...
Agricultural Occupation ... 54
Commercial Occupation ... 55
Industrial Occupation ... 56
Profil Risiko dan Klaim
Underwriting Year
2012
Per Okupasi ...
Okupasi Agrikultural ... 58
Okupasi Komersial ... 59
Okupasi Industrial ... 60
Okupasi Residensial
... 61
Profil Risiko dan Klaim
Underwriting Year
2011
Per Okupasi ...
Okupasi Agrikultural ... 62
Okupasi Komersial... 63
Okupasi Industrial ... 64
Okupasi Residential ... 65
Exposure, Premi Bruto, Jumlah Risiko dan Klaim
Asuransi Gempa Bumi Indonesia ...
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Cresta Zone, Underwriting Year 2011 .... 66
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Cresta Zone, Underwriting Year 2012 ... 67
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Cresta Zone, Underwriting Year 2013 ... 68
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Cresta Zone, Underwriting Year 2014
... 69
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Cresta Zone, Underwriting Year 2015
... 70
Exposure, Premi Bruto, Jumlah Risiko dan Klaim
Asuransi Gempa Bumi Indonesia ...
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Okupasi, Underwriting Year 2011 ... 71
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Okupasi, Underwriting Year 2012 ... 72
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Okupasi, Underwriting Year 2013 ... 73
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Okupasi, Underwriting Year 2014
... 74
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Okupasi, Underwriting Year 2015
... 75
Risk and Loss Profile Underwriting Year 2012
By Occupation …. ...
Agricultural Occupation ... 58
Commercial Occupation ... 59
Industrial Occupation ... 60
Residential Occupation ... 61
Risk and Loss Profile Underwriting Year 2011
By Occupation ...
Agricultural Occupation ... 62
Commercial Occupation ... 63
Industrial Occupation ... 64
Residential Occupation ... 65
Indonesian Earthquake Insurance Exposure,
Gross Premium, Number of Risks and Claim ...
Exposure, Gross Premium, Number of Risks &
Claim by Cresta Zone, UY 2011 ……….66
Exposure, Gross Premium, Number of Risks &
Claim by Cresta Zone, UY 2012 ... 67
Exposure, Gross Premium, Number of Risks &
Claim by Cresta Zone, UY 2013 ... 68
Exposure, Gross Premium, Number of Risks &
Claim by Cresta Zone, UY 2014 ... 69
Exposure, Gross Premium, Number of Risks &
Claim by Cresta Zone, UY 2015 ... 70
Indonesian Earthquake Insurance Exposure,
Gross Premium, Number of Risks and Claim ...
Exposure, Gross Premium, Number of Risks &
Claim by Occupation, UY 2011 ………..71
Exposure, Gross Premium, Number of Risks &
Claim by Occupation, UY 2012 ... 72
Exposure, Gross Premium, Number of Risks &
Claim by Occupation, UY 2013 ... 73
Exposure, Gross Premium, Number of Risks &
Claim by Occupation,
UY
2014
... 74
Exposure, Gross Premium, Number of Risks &
Claim by Occupation,
UY
2015
... 75
Exposure, Premi Bruto, Jumlah Risiko dan Klaim
Asuransi Gempa Bumi Indonesia ...
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Provinsi, Underwriting Year 2011 ... 76
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Provinsi, Underwriting Year 2012 ... 77
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Provinsi, Underwriting Year 2013 ... 78
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Provinsi, Underwriting Year 2014
... 79
Exposure, Premi Bruto, Jumlah Risiko & Klaim
per Provinsi, Underwriting Year 2015
... 80
Peta
Distribusi Exposure Gempa Bumi Indonesia per
Provinsi,
Underwriting Year
2015, per 30 Juni
2015 …….. ... 81
Distribusi Gempa Bumi Indonesia M > 5 dan
Claim Incurred
2015 …… ... 82
Distribusi Exposure Gempa Bumi Indonesia per
Provinsi, Underwriting Year 2015, per 30 Juni
2015, Distribusi Gempa Bumi Indonesia M > 5
dan
Claim
Incurred
UY
2015………..83
Ulasan Aktuaria
……….…………84
Lampiran
1.
Daftar Istilah ... 93
2.
Tarif Asuransi Gempa Bumi Indonesia ….
... 95
3.
Skala First Loss ... 97
4.
Tabel jangka Waktu Pertanggungan
Kurang Dari Satu Tahun ... 98
5.
Skala Indemnity Period ... 99
6.
Tabel Cresta Zone dan Zona ……….100
Indonesian Earthquake Insurance Exposure,
Gross Premium, Number of Risks and Claim ...
Exposure, Gross Premium, Number of Risks &
Claim by Province, UY 2011 ……….76
Exposure, Gross Premium, Number of Risks &
Claim by Province, UY 2012 ... 77
Exposure, Gross Premium, Number of Risks &
Claim by Province, UY 2013 ... 78
Exposure, Gross Premium, Number of Risks &
Claim by Province,
UY
2014
... 79
Exposure, Gross Premium, Number of Risks &
Claim by Province,
UY
2015
... 80
Map
Indonesian Earthquake Exposure Distribution
By Province, Underwriting Year 2015, as at 30
June 2015 ... 81
Indonesian Earthquake Distribution M > 5 and
Claim Incurred 2015 ………..……….
... 82
Indonesian Earthquake Exposure Distribution
By Province, Underwriting Year 2015, as at 30
June 2015, Indonesian Earthquake Distribution
M > 5 and Claim Incurred 2015.. ... 83
Actuarial
Commentary ……..
……….…………84
Attachments
1.
Glossaries ... 93
2.
Indonesian Earthquake Insurance Tariff ..
... 95
3.
First Loss Scale ... ………97
4.
Short Period Table Less Than One Year
Period……….98
5.
Indemnity Period Scale………99
6.
Cresta Zone and Zone Table………100
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
1.
Statistik dibuat berdasarkan Underwriting
Year yang tercatat sampai dengan posisi
30 Juni2015.
2.
Sesi Limit
2.1.
Limit Sesi atas setiap risiko (any
one risk) untuk gabungan kerugian
fisik dan gangguan usaha adalah
sebagai berikut:
2.1.1 Untuk daerah Jawa Barat,
Banten dan DKI:
5% (lima prosen) dari
jumlah
seluruh
pertanggungan (total
sum
insured)
maksimum
USD
2.500.000,00 (dua juta
lima ratus ribu Dollar
Amerika) atas setiap
risiko,
setiap
perusahaan asuransi
atau penerbit polis
untuk
Underwriting
Year 2010, 2011 dan
2012.
5% (lima prosen) dari
jumlah
seluruh
pertanggungan (total
sum
insured)
maksimum
Rp.
25.000.000.000,00
(dua puluh lima miliar
Rupiah) atau yang
setara dengan USD
2.631.578,00 (dua juta
enam ratus tiga puluh
satu lima ratus tujuh
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 30
June 2015.
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:
5% (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.
5% (five percent) of the
total sum insured,
being a maximum of
Rp.25,000,000,000.00
(twenty five billion
Indonesian Rupiahs)
or equal to USD
2,631,578.00
(two
million six hundred
thirty one thousand five
hundred seventy eight
U.S. Dollars) for any
one
risk,
each
insurance company or
policy
issuer
for
Underwriting
Year
2013.
Informasi Statistik
Untuk
Underwriting
Year 2013.
2.1.2
Untuk daerah Indonesia
lainnya:
25% (dua puluh lima
prosen) dari jumlah
seluruh
pertanggungan (total
sum
insured)
maksimum
USD
2.500.000,00 (dua juta
lima ratus ribu Dollar
Amerika) atas setiap
risiko,
setiap
perusahaan asuransi
atau penerbit polis
untuk
Underwriting
Year 2010, 2011 dan
2012.
25% (dua puluh lima
prosen) dari jumlah
seluruh
pertanggungan (total
sum
insured)
maksimum
Rp.
25.000.000.000,00
(dua puluh lima miliar
Rupiah) atau yang
setara dengan USD
2.631.578,00 (dua juta
enam ratus tiga puluh
satu lima ratus tujuh
puluh delapan Dollar
Amerika) atas setiap
risiko,
setiap
perusahaan asuransi
atau penerbit polis
untuk
Underwriting
Year 2013.
2.1.3
Terhitung sejak 1 Januari
2014 Limit Sesi atas setiap
risiko (any one risk) untuk
gabungan kerugian fisik
dan gangguan usaha
adalah:
15%
(lima
belas
prosen) dari jumlah
seluruh
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.
25%
(twenty
five
percent) of the total
sum insured, being a
maximum
of
Rp.25,000,000,000.00
(twenty five billion
Indonesian Rupiahs)
or equal to USD
2,631,578.00
(two
million six hundred
thirty one thousand five
hundred seventy eight
U.S. Dollars) for any
one
risk,
each
insurance company or
policy
issuer
for
Underwriting
Year
2013.
2.1.3.
Since January 1, 2014,
Cession Limit of any one
risk for the combined
material damage and
business interruption is :
15% (fifteen percent)
of the total sum
pertanggungan (total
sum
insured)
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.
15%
(lima
belas
prosen) dari jumlah
seluruh
pertanggungan (total
sum
insured)
maksimum
Rp.
35.000.000.000,00
(tiga puluh lima miliar
Rupiah) atau yang
setara dengan USD
3.043.478,26 (tiga juta
empat puluh tiga ribu
empat ratus tujuh
puluh delapan koma
dua puluh enam Dollar
Amerika) atas setiap
risiko,
setiap
perusahaan asuransi
atau penerbit polis
untuk
Underwriting
Year 2015.
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.
insured,
being
a
maximum of 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.
15%
(twenty
five
percent) of the total
sum insured, being a
maximum
of
Rp.35,000,000,000.00
(thirty
five
billion
Indonesian Rupiahs)
or equal to USD
3,043,478.26
(three
million fourty three
thousand four hundred
seventy eight point
twenty six U.S. Dollars)
for any one risk, each
insurance company or
policy
issuer
for
Underwriting
Year
2015.
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
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.
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
insurance company’s
cession not
exceeding the provision in point 2.1.
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
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.
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:
Building
Foundation
Excavation and
the like
Stock
Others
4.1.2.
Business Interruption
Gross Profit
Wages
Increase in cost of
working
Others
4.2.
Insured object referred in point 4.1
is direct business, including
coinsurance. Indirect business /
reinsurance cannot be ceded.
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
Bordereaux submission is on a monthly
basis for all risks underwritten in the
month concerned and should be received
by the end of the following month at the
latest.
A.
Umum
Berdasarkan data Badan Pusat Statistik,
Perekonomian Indonesia pada triwulan II-2015
sebagaimana diukur dari Produk Domestik
Bruto (PDB), tumbuh sebesar 3,78 %
dibandingkan triwulan I-2015 (q-to-q). Nilai
Produk Domestik Bruto (PDB) Indonesia atas
dasar harga konstan 2010 pada triwulan II-2015
mencapai Rp. 2.239,3 triliun sedangkan pada
triwulan I-2015 sebesar Rp.2.157,8 triliun. Bila
dilihat berdasarkan harga berlaku, PDB triwulan
II-2015 adalah sebesar Rp. 2.866,9 triliun
sedangkan triwulan I-2015 adalah Rp. 2.728,8
triliun.
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 30 Juni 2015, premi bruto
asuransi gempa bumi
Underwriting Year 2011
adalah sebesar Rp.
2.821,3
miliar. Premi bruto
untuk Underwriting Year 2012 tercatat
A. General
Based on Central of Statistics Bureau Data,
Indonesian economic in second quarter 2015 as
measured by Gross Domestic Product (GDP)
increased by 3.78 % compared with first quarter
2015 (q-to-q). Gross Domestic Product (GDP)
based on Constant Price 2010 in second quarter
2015 reached the amount of Rp. 2,239.3 trillion
while in first quarter 2015 was Rp. 2,157.8
trillion. If it is based on Current Market Price,
GDP in second quarter 2015 was Rp. 2,866.9
trillion while in first quarter 2015 was Rp. 2,728.8
trillion.
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 30 June 2015, earthquake gross
premium for Underwriting Year 2011 was Rp.
2,821.3 billion. Gross premium for Underwriting
Year 2012 was recorded
Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2015
Statistic Overview of Indonesia Earthquake Insurance June 2015
Rp. 2.645,4 miliar, sedangkan untuk
Underwriting Year 2013 adalah Rp. 4.251,8
miliar. Untuk Underwriting Year 2014 dan 2015
adalah Rp. 4.242,6 miliar dan Rp. 749,7 miliar.
Angka
– angka ini akan terus bergerak naik
terutama untuk
Underwriting Year 2014 dan
2015.
Tabel 1.1 di bawah ini menyajikan rincian
premi bruto berdasarkan jenis okupasi dari
Underwriting Year 2011 hingga
Underwriting
Year 2015. 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 2013 yang meningkat
sebesar 165,3% dari Rp. 646.139,75 juta di
Underwriting Year 2012
menjadi Rp.
1.714.074,27 juta.
Rp. 2,645.4 billion, while for Underwriting Year
2013 was Rp. 4,251.8 billion. For Underwriting
Year 2014 and 2015 were Rp. 4,242.6
billion
and Rp. 749.7
billion.
These figures would
certainly increase especially for Underwriting
Year 2014 and 2015.
The table 1.1 below shows the details of
gross premium based on occupation from
Underwriting Year 2011 to Underwriting Year
2015. 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 2013 increased by 165.3% from Rp.
646,139.75 million in Underwriting Year 2012 to
Rp. 1,714,074.27 million.
Dalam Jutaan Rupiah
In Million Rupiah 2011 23,897.32 0.85% 758,200.03 26.87% 1,696,811.05 60.14% 342,414.01 12.14% 2,821,322.40 2012 29,419.23 1.11% 646,139.75 24.43% 1,623,908.96 61.39% 345,921.69 13.08% 2,645,389.64 2013 34,917.83 0.82% 1,714,074.27 40.31% 2,028,735.96 47.71% 474,108.51 11.15% 4,251,836.57 2014 24,913.07 0.59% 918,279.91 21.64% 2,679,945.46 63.17% 619,512.25 14.60% 4,242,650.69 2015 2,213.84 0.30% 211,342.54 28.19% 409,408.22 54.61% 126,734.87 16.90% 749,699.47
Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 30 Juni 2015
Table 1.1 Gross Premium and Ratio By Occupation as at 30 June 2015
Underwriting
Year
Okupasi
Total
D. Jumlah Risiko
Tabel 1.2 di bawah ini menyajikan jumlah
risiko pada
Underwriting Year 2011 hingga
Underwriting Year 2015 yang tercatat sampai
dengan 30 Juni 2015.
D. Number of Risks
Table 1.2 below shows the number of risks
from Underwriting Year 2011 to Underwriting
Year 2015 recorded until 30 June 2015.
Agricultural, 482 Commercial, 100,292 Industrial, 18,252 Residential, 69,467 Agricultural, 420 Commercial, 109,009 Industrial, 17,159 Residential, 84,794 Agricultural, 59 Commercial, 20,377 Industrial, 3,079 Residential, 25,468
Number of Risk By Occupation
As at 30 Jun 2015
Agricultural, 379 Commercial, 91,426 Industrial, 14,997 Residential, 59,138 Agricultural, 420 Commercial, 94,389 Industrial, 17,099 Residential, 61,189 UY 2011 UY 2014 UY 2015 UY 2012 UY 2013Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 30 Juni2015
Table 1.2 Number of Risk By Occupation as at 30 June 2015
Jumlah /
Total
%
Jumlah /
Total
%
Jumlah /
Total
%
Jumlah /
Total
%
Jumlah /
Total
%
Agricultural / Agricultural A 379 0.23 420 0.24 482 0.26 420 0.20 59 0.12 Komersial / Commercial C 91,426 55.10 94,389 54.53 100,292 53.21 109,009 51.57 20,377 41.60 Industrial / Industrial I 14,997 9.04 17,099 9.88 18,252 9.68 17,159 8.12 3,079 6.29 Residensial / Residential R 59,138 35.64 61,189 35.35 69,467 36.85 84,794 40.11 25,468 51.99 165,940 100.00 173,097 100.00 188,493 100.00 211,382 100.00 48,983 100.00
Occupation
Jumlah / TotalJumlah risiko terbesar untuk setiap
Underwriting Year, dalam hal ini dari
Underwriting Year 2011 sampai dengan
Underwriting Year 2015 ada pada okupasi
Komersial, yaitu selalu berada pada rasio di atas
41% 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.
Berdasarkan data okupasi, okupasi
Komersial terdiri dari beberapa kode okupasi.
Jumlah risiko terbesar berdasarkan kode
okupasi di
Underwriting Year 2011
– 2015
adalah sebagai berikut:
Okupasi Residensial terdiri dari beberapa kode
okupasi. Jumlah risiko terbesar berdasarkan
kode okupasi di Underwriting Year 2011 – 2015
adalah sebagai berikut:
The highest number of risks for each
Underwriting Year, in this case from
Underwriting Year 2011 to Underwriting Year
2015, is under Commercial occupation, which is
always on the ratio above 41% 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.
Based on occupation data, Commercial
occupation consist of several occupation codes.
The highest number of risks by occupation code
in Underwriting Year 2011
–
2015 are as follows:
Residential occupation consist of several
occupation codes. The highest number of risks
by occupation code in Underwriting Year 2011
–
2015 are as follows:
U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Jumlah / Total Jumlah / Total Jumlah / Total Jumlah / Total Jumlah / Total
Shops 2934 0 0 0 25,737 5,096
Shops - Subject to Waranty A 29341 22,158 22,998 15,962 0 0
Private Warehouses and Storehouses - Subject to Warranty A
29371 12,800 12,980 14,291 0 0
Veem and Bonded Warehouses -
Subject to Warranty A 293941 1 2 3 0 0
34,959 35,980 30,256 25,737 5,096
Description & Occupation Code
Jumlah / Total
Deskripsi & Kode Okupasi
Jumlah Risiko Terbesar pada Okupasi Komersial Berdasarkan Kode Okupasi per 30 Juni 2015
The Highest Number Of Risk in Commercial Occupation as at 30 June 2015 by Occupation Code
U/Y 2011
U/Y 2012
U/Y 2013
U/Y 2014
U/Y 2015
Jumlah /
Total
Jumlah /
Total
Jumlah /
Total
Jumlah /
Total
Jumlah /
Total
Private Warehouses and
Storehouses - Subject to
Warranty A
2976
35,956
35,385
34,065
46,956
14,530
Jumlah Risiko Terbesar pada Okupasi Residensial Berdasarkan Kode Okupasi per 30 Juni 2015
The Highest Number Of Risk in Residential Occupation as at 30 June 2015 by Occupation Code
Deskripsi & Kode Okupasi
Description & Occupation Code
E. Incurred Claim
Berdasarkan tabel 1.3 di bawah ini,
frekuensi klaim gempa bumi paling banyak
terjadi di Underwriting Year 2011 yaitu sebanyak
87 klaim dan didominasi okupasi Komersial
sebanyak 62 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.
E. Incurred Claim
Based on table 1.3 below,
the highest
earthquake claim frequency occurred in
Underwriting Year 2011 was 87 claims and it
dominated by Commercial occupation of 62
claims. It was caused by Earthquakes in 2011
namely Nusa Dua Earthquake on 13 October
2011 with a magnitude of 6.8 S.R and Sibolga
Earthquake on 6 November
2011
with a
magnitude of 6.7 S.R.
2011
2012
2013
2014
2015
Agrikultural /
Agricultural
A
0
0
0
0
0
Komersial /
Commercial
C
62
14
45
7
0
Industrial /
Industrial
I
0
0
5
0
0
Residensial /
Residential
R
25
1
7
2
0
87
15
57
9
0
Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2015
Table 1.3 Claim Frequency By Occupation as at 30 June 2015
Occupation
Jumlah /
Total
Underwriting Year
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.
*) Dalam Rupiah
*) In Rupiah
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
8
192,541,051
24,067,631
50,000,000
4,136,951
50
-
100
2
118,711,030
59,355,515
62,328,097
56,382,933
100
-
200
1
200,000,000
200,000,000
200,000,000
200,000,000
200
-
300
2
521,621,500
260,810,750
263,572,500
258,049,000
300
-
500
2
687,668,400
343,834,200
355,000,000
332,668,400
500
-
750
0
0
0
0
0
750
-
1,000
0
0
0
0
0
1,000
-
1,500
0
0
0
0
0
1,500
-
2,000
0
0
0
0
0
2,000
-
2,500
0
0
0
0
0
2,500
-
3,000
0
0
0
0
0
3,000
-
4,000
0
0
0
0
0
4,000
-
5,000
0
0
0
0
0
5,000
-
7,500
0
0
0
0
0
7,500
-
10,000
0
0
0
0
0
10,000
-
20,000
0
0
0
0
0
20,000
-
50,000
0
0
0
0
0
50,000
-
100,000
0
0
0
0
0
100,000
-
500,000
0
0
0
0
0
500,000
-
up
0
0
0
0
0
15
1,720,541,981
Claim Incurred (BAND)*)
Incurred Claim (BAND) *)
Total
Tabel 1.4 Frekwensi I
ncurred Claim Underwriting Year
2012 Per 30 Juni 2015
Table 1.4 Frequency Incurred Claim Underwriting Year 2012 as at 30 June 2015
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.
306,2 miliar.
Tabel 1.6 di bawah ini menyajikan kejadian
Gempa Bumi Tahun 2015 dan
Incurred Claim
sampai dengan 30 Juni 2015.
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. 306.2 billion.
Table 1.6 below shows earthquake events
occurred in 2015 and the corresponding
incurred claims as at 30 June 2015.
Table 1.5 Claim Amount By Occupation as at 30 June 2015
Dalam Rupiah
In Rupiah
2011
2012
2013
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 6,375,313,072.29 95.80 1,670,541,980.54 97.09 306,212,972,292.31 99.40 1,228,599,676.05 94.69 0.00 0.00 Industrial / Industrial I 0.00 0.00 0.00 0.00 1,750,356,290.96 0.57 0.00 0.00 0.00 0.00 Residensial / Residential R 279,739,660.04 4.20 50,000,000.00 2.91 99,244,211.73 0.03 68,916,625.00 5.31 0.00 0.00 6,655,052,732.33 100.00 1,720,541,980.54 100.00 308,062,572,795.00 100.00 1,297,516,301.05 100.00 0.00 0.00
2015
Jumlah /
Total
Underwriting Year
Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 30 Juni 2015
2014
Okupasi
Tabel 1.7 di bawah ini menyajikan klaim
untuk event Manado perjenis okupasi.
Tabel di bawah ini adalah daftar klaim
terbesar sampai dengan tanggal 30 Juni 2015.
Table 1.7 shows Manado event by
occupation.
The table below is a list of the largest claims
as at 30 June 2015.
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
2
YOGYA
27-05-2006
5.9
268,635,542,386.91
3
PADANG
06-03-2007
5.8
22,224,113,241.32
4
BENGKULU
12-09-2007
7.9
49,044,007,333.60
5
PADANG
16-08-2009
6.9
42,782,942,555.00
6
TASIKMALAYA
02-09-2009
7.3
24,400,937,277.87
7
PARIAMAN
30-09-2009
7.6
1,082,395,841,788.55
8
BIMA
09-11-2009
6.7
43,046,593,135.48
9
MERAPI
25-10-2010
*)
27,499,741,856.40
10
KELUD
13-02-2014
*)
113,296,619,876.55
*) Pe nye ba b terka i t l e tus a n gunung be ra pi Ca us e d by vol ca ni c e rupti on
Daftar Klaim - Klaim Terbesar Posisi 30 Juni 2015
List of The Largest Claims as at 30 June 2015
Tabel 1.7 Kejadian Gempa Bumi Tahun 2015 dan Klaim per Okupasi per 30 Juni 2015
Table 1.7 Earthquake Event in 2015 and Claim per Occupation as at 30 June 2015
Event
Date of Loss
Agrikultural / Komersial /
Industrial /
Residensial /
Agricultural
Commercial
Industrial
Residential
Manado
19-Mar-15
0
1
0
0
0.00
367,160,000.00
0.00
0.00
Residensial /
Residential
Agrikultural /
Agricultural
Komersial /
Commercial
Industrial /
Industrial
Kejadian
Tanggal Kejadian
Okupasi
Occupation
Frekwensi
Frequency
Jumlah (Dalam Rupiah)
Amount (In Rupiah)
Tabel 1.6 Kejadian Gempa Bumi Tahun 2015 dan Klaim per 30 Juni 2015
Table 1.6 Earthquak e Event in 2015 and Claim as at 30 June 2015
Dalam Rupiah
In Rupiah
Kejadian
Tanggal Kejadian
Kekuatan Gempa (S.R)
Event
Date of Loss
Magnitude (S.R)
Manado
19-Mar-15
5.2 SR
367,160,000.00
Klaim
Tabel 1.8 menyajikan data jumlah polis dan
loss ratio per 30 Juni 2015. Tabel tersebut
menunjukkan bahwa loss ratio tertinggi berada
pada
Underwriting Year 2013 sebesar 7,25%.
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 30 Juni 2015.
Table 1.8 shows number of policies, and
loss ratio as at 30 June 2015. The table show
that the biggest loss ratio was at Underwriting
Year 2013 i.e. 7.25%. 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 30 June 2015.
Tabel 1.8 Jumlah Polis dan Loss Ratio per 30 Juni 2015
Table 1.8 Number of Policies and Loss Ratio as at 30 June 2015
Underwriting
Jumlah Polis
Premi *)
Frekwensi Klaim
Jumlah Klaim *)
Year
Number of Policies
Premium *)
Claim Frequency
Incurred Claim *)
2011
117,060
2,821,322,404,542.47
87
6,655,052,732.33
0.24%
2012
111,505
2,645,389,635,380.59
15
1,720,541,980.54
0.07%
2013
115,678
4,251,836,566,234.02
57
308,062,572,795.00
7.25%
2014
125,596
4,242,650,688,164.07
9
1,297,516,301.05
0.03%
2015
34,745
749,699,474,583.64
0
0.00
0.00%
Keterangan :
*) Dalam Rupiah In RupiahLoss Ratio
Dalam Jutaan Rupiah
In Million Rupiah
Premi
Exposure
Prem ium
Exposure
2011
2,821,322.40
2,154,508,565.60
2012
2,645,389.64
1,931,209,404.23
2013
4,251,836.57
2,605,650,673.28
2014
4,242,650.69
2,688,065,075.39
2015
749,699.47
501,167,234.30
T O T A L
14,710,898.77
9,880,600,952.80
Tabel 1.9 Premi dan Exposure per 30 Juni 2015
Table 1.9 Premium and Exposure as at 30 June 2015
Tab le 2.1
in IDR
Amount
%
Amount
%
Amount
%
Amount
%
Amount
%
BANDA ACEH
1.1
4,799,061,565,236.65
0.22
3,853,109,114,587.20
0.20
4,584,417,825,419.94
0.18
6,358,619,953,498.16
0.24
455,976,230,003.88
0.09
MEDAN
1.2
46,652,172,698,019.40
2.17
39,461,037,801,624.10
2.04
47,542,841,695,945.20
1.82
52,960,197,728,466.80
1.97
15,266,930,733,632.30
3.05
OTHERS
1.3
98,732,449,809,919.40
4.58
40,046,371,005,873.30
2.07
49,388,292,913,159.30
1.90
50,050,764,200,763.80
1.86
5,459,716,930,089.16
1.09
NORTH SUMATERA
1
150,183,684,073,175.00
6.97
83,360,517,922,084.60
4.32
101,515,552,434,525.00
3.90
109,369,581,882,729.00
4.07
21,182,623,893,725.40
4.23
PADANG
2.1
16,558,741,293,262.30
0.77
18,866,092,244,302.70
0.98
27,019,846,969,932.80
1.04
29,477,769,570,121.90
1.10
4,343,731,570,576.07
0.87
PALEMBANG
2.2
15,670,152,211,490.50
0.73
18,924,640,233,255.90
0.98
22,991,302,055,908.20
0.88
18,812,054,223,542.00
0.70
2,704,718,148,459.90
0.54
OTHERS
2.3
123,060,615,053,710.00
5.71
134,125,533,745,810.00
6.95
150,261,108,880,271.00
5.77
181,058,254,439,927.00
6.74
29,600,541,769,976.90
5.91
SOUTH SUMATERA
2
155,289,508,558,463.00
7.21
171,916,266,223,368.00
8.90
200,272,257,906,112.00
7.69
229,348,078,233,590.00
8.53
36,648,991,489,012.90
7.31
JAKARTA
3.1
464,501,709,083,112.00
21.56
399,151,129,341,981.00
20.67
429,924,032,664,141.00
16.50
531,708,345,423,764.00
19.78
114,243,160,461,085.00
22.80
BANDUNG
3.2
6,881,910,055,825.06
0.32
10,941,392,878,987.80
0.57
10,455,800,182,858.20
0.40
9,865,031,172,512.33
0.37
3,383,533,867,786.94
0.68
OTHERS
3.3
607,607,677,895,557.00
28.20
655,965,204,624,330.00
33.97
974,495,125,173,158.00
37.40
884,594,173,548,510.00
32.91
175,486,957,797,968.00
35.02
WEST JAVA
3
1,078,991,297,034,490.00
50.08
1,066,057,726,845,300.00
55.20
1,414,874,958,020,160.00
54.30
1,426,167,550,144,790.00
53.06
293,113,652,126,839.00
58.49
SEMARANG
4.1
6,547,169,388,280.43
0.30
7,032,671,423,369.66
0.36
8,708,673,384,952.73
0.33
6,094,897,525,335.40
0.23
872,040,937,538.39
0.17
YOGYAKARTA
4.2
10,227,924,407,900.00
0.47
9,213,654,452,599.54
0.48
8,527,858,959,520.06
0.33
13,606,090,868,674.60
0.51
2,202,243,172,949.89
0.44
OTHERS
4.3
116,804,919,938,213.00
5.42
102,486,294,341,901.00
5.31
136,192,546,432,047.00
5.23
139,412,503,264,086.00
5.19
35,491,815,108,839.00
7.08
CENTRAL JAVA
4
133,580,013,734,394.00
6.20
118,732,620,217,870.00
6.15
153,429,078,776,519.00
5.89
159,113,491,658,096.00
5.92
38,566,099,219,327.30
7.70
SURABAYA
5.1
87,137,349,483,550.50
4.04
50,352,975,158,199.70
2.61
37,296,159,313,449.70
1.43
77,159,355,434,089.90
2.87
17,350,016,361,654.30
3.46
OTHERS
5.2
300,813,831,856,445.00
13.96
210,015,661,096,202.00
10.87
200,084,798,977,104.00
7.68
350,891,208,794,371.00
13.05
33,500,806,604,704.10
6.68
EAST JAVA
5
387,951,181,339,995.00
18.01
260,368,636,254,402.00
13.48
237,380,958,290,554.00
9.11
428,050,564,228,461.00
15.92
50,850,822,966,358.40
10.15
KALIMANTAN
6
123,120,604,752,261.00
5.71
101,269,813,257,791.00
5.24
128,063,585,552,569.00
4.91
104,335,917,881,702.00
3.88
19,654,791,173,810.90
3.92
UJUNG PANDANG
7.1
10,441,385,729,218.00
0.48
10,366,655,119,882.30
0.54
14,056,704,460,026.80
0.54
21,486,486,598,491.00
0.80
3,108,512,496,701.43
0.62
OTHERS
7.2
59,644,593,333,905.30
2.77
53,890,334,194,031.10
2.79
39,155,028,523,482.00
1.50
110,822,471,621,368.00
4.12
10,501,222,198,359.10
2.10
SULAWESI
7
70,085,979,063,123.30
3.25
64,256,989,313,913.30
3.33
53,211,732,983,508.80
2.04
132,308,958,219,859.00
4.92
13,609,734,695,060.50
2.72
OTHER ISLANDS
8
55,306,297,043,097.90
2.57
65,246,834,197,369.70
3.38
316,902,549,313,180.00
12.16
99,370,933,137,622.20
3.70
27,540,518,738,916.40
5.50
2,154,508,565,599,000.00
100.00
1,931,209,404,232,100.00
100.00
2,605,650,673,277,120.00
100.00
2,688,065,075,386,850.00
100.00
501,167,234,303,051.00
100.00
U/Y 2015
As At 30/06/2015
National Aggregate Exposure By Cresta Zone
T O T A L
U/Y 2014
Cresta Zone
U/Y 2013
U/Y 2011
U/Y 2012
101,515,552.43 200,272,257.91 1,414,874,958.02 153,429,078.78 237,380,958.29 128,063,585.55 53,211,732.98 316,902,549.31 109,369,581.88 229,348,078.23 1,426,167,550.14 159,113,491.66 428,050,564.23 104,335,917.88 132,308,958.22 99,370,933.14 21,182,623.89 36,648,991.49 293,113,652.13 38,566,099.22 50,850,822.97 19,654,791.17 13,609,734.70 27,540,518.74
National Aggregate Exposure By Cresta Zone
As at 30 Jun 2015
(In Billion IDR)
150,183,684.07 155,289,508.56 1,078,991,297.03 133,580,013.73 387,951,181.34 123,120,604.75 70,085,979.06 55,306,297.04 83,360,517.92 171,916,266.22 1,066,057,726.85 118,732,620.22 260,368,636.25 101,269,813.26 64,256,989.31 65,246,834.20 UY 2011 UY 2012 UY 2013 UY 2014 UY 2015
