1
w w w . m a i p a r k . c o m
LAPORAN
STATISTIK
ASURANSI
Gempa Bumi
Indonesia
Per 30 Juni 2013
Indonesian Earthquake Insurance Statistic
As at 30 June 2013
PT Asuransi MAIPARK Indonesia
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
Frans Y. Sahusilawane
President Director
ii
Hal.
Kata Pengantar ... i
Daftar Isi ………. ……….ii
Informasi Statistik ... v
Ikhtisar Statistik Asuransi Gempa Bumi
Indonesia Juni 2013 ...
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 ... 8
Tabel 2.2. Exposure Per Okupasi ... 10
Tabel 2.3. Exposure Per Interest ... 12
Tabel 2.4. Exposure Per Provinsi ... 14
Premi Bruto Asuransi Gempa Bumi Indonesia
... ….
Tabel 3.1. Gross Premium Per Cresta Zone ... 15
Tabel 3.2. Gross Premium Per Okupasi ... 17
Tabel 3.3. Gross Premium Per Provinsi ... 19
Jumlah Risiko Asuransi Gempa Bumi
Indonesia ...
Tabel 4.1. Jumlah Risiko Per Cresta Zone ... 20
Tabel 4.2. Jumlah Risiko Per Okupasi ... 22
Klaim Asuransi Gempa Bumi Indonesia ...
Tabel 5.1. Klaim Frekwensi Per Okupasi ... 24
Tabel 5.2. Klaim Frekwensi Per Cresta Zone ... 26
Tabel 5.3. Klaim Per Okupasi ... 28
Tabel 5.4. Klaim Per Cresta Zone ... 30
Page
Foreword ... i
Contents ………. ……….ii
Statistic Information ... v
Statistic Overview of Indonesian Earthquake
Insurance June 2013 ...
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 ... 8
Table 2.2. Exposure By Occupation ... 10
Table 2.3. Exposure By Interest ... 12
Table 2.4. Exposure By Province ... 14
Indonesian Earthquake Insurance Gross
Premium ...
Table 3.1. Gross Premium By Cresta Zone ... 15
Table 3.2. Gross Premium By Occupation ... 17
Table 3.3. Gross Premium By Province ... 19
Indonesian Earthquake Insurance Number of
Risks ...
Table 4.1. Number of Risk By Cresta Zone ... 20
Table 4.2. Number of Risk By Occupation ... 22
Indonesian Earthquake Insurance Claim ...
Table 5.1. Claim Frequency By Occupation ... 24
Table 5.2. Claim Frequency By Cresta Zone ... 26
Table 5.3. Claim By Occupation . ... 28
Table 5.4. Claim By Cresta Zone ... 30
Daftar Isi
Content
iii
Profil Risiko dan Klaim ...
Underwriting Year
2009 -2013,
Seluruh Okupasi ... 32
Underwriting Year
2013, Seluruh Okupasi ... 33
Underwriting Year
2012, Seluruh Okupasi ... 34
Underwriting Year
2011, Seluruh Okupasi ... 35
Underwriting Year
2010, Seluruh Okupasi ... 36
Underwriting Year
2009, Seluruh Okupasi ... 37
Profil Risiko dan Klaim
Underwriting Year
2013 Per Okupasi ...
Okupasi Agrikultural ... 38
Okupasi Komersial ... 39
Okupasi Industrial ... 40
Okupasi Residensial ... 41
Profil Risiko dan Klaim
Underwriting Year
2012 Per Okupasi ...
Okupasi Agrikultural ... 42
Okupasi Komersial ... 43
Okupasi Industrial ... 44
Okupasi Residensial ... 45
Profil Risiko dan Klaim
Underwriting Year
2011 Per Okupasi ...
Okupasi Agrikultural ... 46
Okupasi Komersial ... 47
Okupasi Industrial ... 48
Okupasi Residensial ... 49
Profil Risiko dan Klaim
Underwriting Year
2010 Per Okupasi ...
Okupasi Agrikultural ... 50
Okupasi Komersial ... 51
Okupasi Industrial ... 52
Okupasi Residensial ... 53
Risk and Loss Profile ...
Underwriting Year 2009 -2013,
All Occupation ... 32
Underwriting Year 2013, All Occupation ... 33
Underwriting Year 2012, All Occupation ... 34
Underwriting Year 2011, All Occupation ... 35
Underwriting Year 2010, All Occupation ... 36
Underwriting Year 2009, All Occupation ... 37
Risk and Loss Profile Underwriting Year
2013 By Occupation …. ...
Agricultural Occupation ... 38
Commercial Occupation ... 39
Industrial Occupation ... 40
Residential Occupation ... 41
Risk and Loss Profile Underwriting Year
2012 By Occupation …. ...
Agricultural Occupation ... 42
Commercial Occupation ... 43
Industrial Occupation ... 44
Residential Occupation ... 45
Risk and Loss Profile Underwriting Year
2011 By Occupation …. ...
Agricultural Occupation ... 46
Commercial Occupation ... 47
Industrial Occupation ... 48
Residential Occupation ... 49
Risk and Loss Profile Underwriting Year
2010 By Occupation …. ...
Agricultural Occupation ... 50
Commercial Occupation ... 51
Industrial Occupation ... 52
iv
Profil Risiko dan Klaim
Underwriting Year
2009 Per Okupasi ...
Okupasi Agrikultural ... 54
Okupasi Komersial ... 55
Okupasi Industrial ... 56
Okupasi Residential ... 57
Peta
Distribusi Exposure Gempa Bumi Indonesia per
Provinsi,
Underwriting Year
2013, per 30 Juni 2013
…….. ... 58
Distribusi Gempa Bumi Indonesia M > 5 dan
Claim
Incurred
2013 …… ... 59
Distribusi Exposure Gempa Bumi Indonesia per
Provinsi,
Underwriting Year
2013, per 30 Juni 2013,
Distribusi Gempa Bumi Indonesia M > 5 dan
Claim
Incurred
UY 2013………. ... 60
Damage Ratio
………... 61
Lampiran
1.
Daftar Istilah ... 63
2.
Tarif Asuransi Gempa Bumi Indonesia ….
... 65
3.
Skala
First Loss
... 66
4.
Tabel jangka Waktu Pertanggungan
Kurang Dari Satu Tahun ... 67
5.
Skala
Indemnity Period
... 68
6.
Tabel Cresta Zone dan Zona ………..69
Referensi
1.
Badan Pengawas Pasar Modal dan Lembaga
Keuangan (Bapepam-LK).
2.
Badan Pusat Statistik (BPS).
*)
Laporan Statistik ini dapat diperoleh di website
PT. Asuransi MAIPARK Indonesia
www.maipark.com
Risk and Loss Profile Underwriting Year
2009 By Occupation ...
Agricultural Occupation ... 54
Commercial Occupation ... 55
Industrial Occupation ... 56
Residential Occupation ... 57
Map
Indonesian Earthquake Exposure Distribution By
Province, Underwriting Year 2013, as at 30 June
2013 ... 58
Indonesian Earthquake Distribution M > 5 and
Claim Incurred 2013 ………..….. ... 59
Indonesian Earthquake Exposure Distribution By
Province, Underwriting Year 2013, as at 30 June
2013 , Indonesian Earthquake Distribution M > 5
and Claim Incurred 2013 ... 60
Damage Ratio
... 61
Attachments
1.
Glossaries ... 63
2.
Indonesian Earthquake Insurance
Tariff ... 65
3.
First Loss Scale ... 66
4.
Short Period Table Less Than One Year
Period ... 67
5.
Indemnity Period Scale ... 68
6.
Cresta Zone and Zone Table………69
Refference
1.
Capital Market and Financial Institution
Supervisory Agency (Bapepam-LK).
2.
Central of Statistics Bureau (BPS).
*)
Statistic Report is available on PT. Asuransi
MAIPARK Indonesia ‘s Website
v
1.
Statistik dibuat berdasarkan
Underwriting
Year
yang tercatat sampai dengan posisi
30 Juni 2013.
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.
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.
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.
1.
Statistic
Report
is
based
on
Underwriting Year basis, which is
recorded as at 30 June 2013.
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.
2.1.2. For other Indonesia areas are
25% (twenty five percent) of
total sum insured, maximum
of USD 2,500,000.00 (two
million five hundred thousand
U.S Dollars) for each risk,
each insurance company or
policy issuer.
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.
Informasi Statistik
Statistic Information
vi
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.
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).
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
t
otal insurance company’s
cession
not exceeding the provision in point
2.1.
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).
vii
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.
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.
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.
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.
1
A.
Umum
Berdasarkan data Badan Pusat Statistik,
Perekonomian Indonesia pada tahun 2012
sebagaimana diukur dari Pendapatan Domestik
Bruto (PDB), tumbuh sebesar 6,23%
dibandingkan tahun 2011. Nilai Produk
Domestik Bruto (PDB) Indonesia atas dasar
harga konstan 2000 pada tahun 2012
mencapai Rp. 2.6181,1 triliun sedangkan pada
tahun 2011 sebesar Rp. 2.464,7 triliun. Bila
dilihat berdasarkan harga berlaku, PDB tahun
2012 adalah sebesar Rp. 8.241,9 triliun
sedangkan tahun 2011 adalah Rp. 7.422,8
triliun.
B. Struktur Pasar
Berdasarkan data Badan Pengawas Pasar
Modal dan Lembaga Keuangan (Bapepam-LK)
pada buku Direktori Perasuransian Indonesia
2012, terdapat 83 perusahaan asuransi umum
yang memiliki izin beroperasi di Indonesia.
C. Premi Bruto
Sampai dengan 30 Juni 2013, premi bruto
asuransi gempa bumi
Underwriting Year
2009
adalah sebesar Rp.1.771,2
miliar. Premi bruto
untuk
Underwriting Year
2010 tercatat Rp.
2.083,8 miliar sedangkan untuk
Underwriting
A. General
Based on Central of Statistics Bureau
data, Indonesian economic in 2012 as
measured by Gross Domestic Product (GDP),
increased by 6.23% compared with 2011.
Gross Domestic Product (GDP) based on
Constant Price 2000 in 2012 reached the
amount of Rp. 2,6181.1 trillion while in 2011
was Rp. 2,464.7
trillion. If it is based on Current
Market Price,GDP in 2012 was Rp. 8,241.9
trillion while in 2011 was Rp. 7,422.8 trillion.
B. Market Structure
Based on Capital Market and Financial
Institution Supervisory Agency
(
Bapepam-LK)
data
in the book of Indonesian Insurance
Directory 2012, there are 83 general insurers
having operating licenses in Indonesia.
C. Gross Premium
As at 30 June 2013, earthquake gross
premium for Underwriting Year 2009 was Rp.
1,771.2 billion. Gross premium for Underwriting
Year 2010 was recorded Rp. 2,083.8
billion,
while for Underwriting Year 2011 was Rp.
Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2013
Statistic Overview of Indonesia Earthquake Insurance June 2013
2
Year
2011 adalah Rp. 2.789,7 miliar. Untuk
Underwriting Year
2012 dan 2013 adalah Rp.
2.546,3 miliar dan Rp. 466,4 miliar. Angka
–
angka ini akan terus bergerak naik terutama
untuk
Underwriting Year
2012 dan 2013.
Tabel 1.1 di bawah ini menyajikan rincian
premi bruto berdasarkan jenis okupasi dari
Underwriting Year
2009 hingga
Underwriting
Year
2013. Prosentase okupasi Industrial
selalu berada pada posisi pendapatan tertinggi
dibanding 3 (tiga) okupasi lainnya (Agrikultural,
Komersial, Residensial), yaitu di atas 55% 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 Agrikultural pada
Underwriting Year
2010 yang meningkat
sebesar 70,6% dari Rp. 12.194,01 juta di
Underwriting Year 2009
menjadi Rp. 20.801,51
juta.
2,789.7 billion. For Underwriting Year 2012 and
2013 were Rp. 2,546.3
billion and Rp. 466.4
billion.
These figures would certainly
increase especially for Underwriting Year
2012 and 2013.
The table 1.1 below presents the details of
gross premium based on occupation from
Underwriting Year 2009 to Underwriting Year
2013. Industrial occupation always has the
biggest percentage income compared to 3
(three) remaining occupations (Agricultural,
Commercial, Residential), that is above 55%
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 Agricultural occupation in Underwriting
Year 2010 increased by 70.6% from Rp.
12,194.01 million in Underwriting Year 2009 to
Rp. 20,801.51 million.
Dalam Jutaan Rupiah
In Million Rupiah
2009
12,194.01
0.69%
405,039.22
22.87%
1,123,907.19
63.46%
230,042.03
12.99%
1,771,182.45
2010
20,801.51
1.00%
422,806.13
20.29%
1,282,982.61
61.57%
357,293.01
17.15%
2,083,883.25
2011
23,250.84
0.83%
735,109.14
26.35%
1,697,084.75
60.83%
334,242.89
11.98%
2,789,687.62
2012
28,118.49
1.10%
592,338.74
23.26%
1,592,811.88
62.55%
333,057.86
13.08%
2,546,326.96
2013
1,206.45
0.26%
133,150.17
28.55%
258,618.09
55.44%
73,466.92
15.75%
466,441.63
T O T A L
85,571.30
3.88%
2,288,443.40
5,955,404.51
1,328,102.71
0.71
9,657,521.92
Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 30 Juni 2013
Table 1.1 Gross Premium and Ratio By Occupation as at 30 June 2013
Agrikultural /
Agricultural
Okupasi
Total
Underwriting
3
D. Jumlah Risiko
Tabel 1.2 di bawah ini menyajikan jumlah
risiko pada
Underwriting Year
2009 hingga
Underwriting Year
2013 yang tercatat sampai
dengan 30 Juni 2013.
D. Number of Risks
Table 1.2 below shows the number of
risks from Underwriting Year 2009 to
Underwriting Year 2013 recorded until 30 June
2013.
Grafik 1.1 Jumlah Risiko Berdasarkan Okupasi per 30 Juni 2013
Graph 1.1 Number of Risks by Occupation as at 30 June 2013
Agricultural, 379 Commercial, 89,622 Industrial, 14,971 Residential, 58,826 Agricultural, 414 Commercial, 81,011 Industrial, 15,679 Residential, 58,687 Agricultural, 44 Commercial, 17,385 Industrial, 3,332 Residential, 13,196 Agricultural, 252 Commercial, 74,400 Industrial, 12,939 Residential, 42,727 Agricultural, 441 Commercial, 83,031 Industrial, 13,851 Residential, 67,156 UY 2009 UY 2012 UY 2013 UY 2010 UY 2011
Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 30 Juni 2013
Table 1.2 Number of Risk By Occupation as at 30 June 2013
Jumlah /
Total
%
Jumlah /
Total
%
Jumlah /
Total
%
Jumlah /
Total
%
Jumlah /
Total
%
Agricultural /
Agricultural A
252
0.19
441
0.27
379
0.23
414
0.27
44
0.13
Komersial /
Commercial
C
74,400
57.09
83,031
50.48
89,622
54.71
81,011
52.00
17,385
51.20
Industrial /
Industrial
I
12,939
9.93
13,851
8.42
14,971
9.14
15,679
10.06
3,332
9.81
Residensial /
Residential
R
42,727
32.79
67,156
40.83
58,826
35.91
58,687
37.67
13,196
38.86
130,318
100.00
164,479
100.00
163,798
100.00
155,791
100.00
33,957
100.00
U/Y 2012
U/Y 2013
Occupation
Jumlah /
Total
4
Jumlah risiko terbesar untuk setiap
Underwriting Year
, dalam hal ini dari
Underwriting Year
2009 sampai dengan
Underwriting Year
2013 ada pada okupasi
Komersial, yaitu selalu berada pada rasio di
atas 50% dari total risiko. Kemudian diikuti oleh
okupasi Residensial dengan rasio di atas 32%.
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
2009 yaitu
sebanyak 1.867 klaim dan didominasi okupasi
Komersial sebanyak 982 klaim. Hal ini
disebabkan oleh kejadian 2 (dua) gempa bumi
yang terbesar di 2009 yaitu Gempa Bumi
Pariaman pada tanggal 30 September 2009
dengan kekuatan 7,6 S.R dan Gempa Bumi
Tasikmalaya pada tanggal 2 September 2009
dengan kekuatan 7,0 S.R.
The highest number of risks for each
Underwriting Year, in this case from
Underwriting Year 2009 to Underwriting Year
2013, is under Commercial occupation, which
is always on the ratio above 50% from the total
risk. Then, it is followed by Residential
occupation with ratio above 32%.
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
Based on table 1.3 below,
the highest
earthquake claim frequency occurred in
underwriting year 2009 was 1,867 claims and it
dominated by Commercial occupation of 982
claims. It was caused by 2 (two) biggest
Earthquakes in 2009 namely Pariaman
Earthquake on 30 September 2009 with a
magnitude of 7.6 S.R and Tasikmalaya
Earthquake on 2 September
2009
with a
5
Dengan melihat tabel 1.4 tampak bahwa
jumlah klaim terbesar juga berada pada
Underwriting Year
2009. Klaim yang terbesar
adalah pada okupasi Komersial, yaitu 91,26%
dari total klaim di
Underwriting Year
2009 atau
sebesar Rp. 894,7 miliar.
Looking at table 1.4 below, it shows that
the largest claim is also in the Underwriting
Year 2009. The largest claim is under
Commercial occupation that is 91.26% of the
total claim in Underwriting Year 2009 or
Rp. 894.7 billion.
111111111111111111111111
Tabel 1.5 di bawah ini menyajikan kejadian
Gempa Bumi Tahun 2013 yang tercatat sampai
dengan 30 Juni 2013.
Table 1.5 below shows earthquake events
occurred in 2013 and the corresponding
incurred claims as at 30 June 2013.
Table 1.4 Claim Amount By Occupation as at 30 June 2013
Dalam Rupiah
In Rupiah
2009
2010
2011
Jumlah /
Amount
%
Jumlah /
Amount
%
Jumlah /
Amount
%
Jumlah /
Amount
%
Jumlah /
Amount
%
Agrikultural / Agricultural A 14,121,897,296.24 1.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Komersial / Commercial C 894,652,247,963.53 91.26 41,536,859,874.73 97.27 14,845,431,263.49 94.35 1,165,434,751.54 88.60 0.00 0.00 Industrial / Industrial I 4,401,122,616.25 0.45 760,224,542.70 1.78 0.00 0.00 0.00 0.00 0.00 0.00 Residensial / Residential R 67,191,812,895.10 6.85 406,785,430.40 0.95 889,538,909.86 5.65 150,000,000.00 11.40 0.00 0.00 980,367,080,771.12 100.00 42,703,869,847.83 100.00 15,734,970,173.35 100.00 1,315,434,751.54 100.00 0.00 0.00
2013
Jumlah /
Total
Underwriting Year
Tabel 1.4 Jumlah Klaim Berdasarkan Okupasi per 30 Juni 2013
2012
Okupasi
Occupation
2009 2010 2011 2012 2013
Agrikultural / Agricultural A 27 0 0 0 0
Komersial / Com m ercial C 982 46 74 9 0
Industrial / Industrial I 23 1 0 0 0
Residensial / Residential R 835 11 34 2 0 1,867 58 108 11 0
Table 1.3 Claim Frequency By Occupation as at 30 June 2013
Occupation
Jumlah / Total
Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2013
Underwriting Year
Okupasi
Tabel 1.5 Kejadian Gempa Bumi Tahun 2013 dan Klaim per 30 Juni 2013
Table 1.5 Earthquak e Event in 2013 and Claim as at 30 June 2013
Dalam Rupiah In Rupiah
Kejadian
Tanggal Kejadian
Kekuatan Gempa (S.R)
Klaim
Event
Date of Loss
Magnitude (S.R)
Claim
6
Tabel 1.6 menyajikan klaim Gempa Bumi
Aceh yang terjadi pada tanggal 23 Januari
2013 (23.01.2013) sebesar Rp. 616,4 juta
perjenis okupasi.
Tabel di bawah ini adalah daftar klaim
terbesar sampai dengan tanggal 30 Juni 2013.
Table 1.6 presents Aceh Earthquake claim
which occurred on 23 January 2013
(23.01.2013) i.e. Rp. 616.4 million by
occupation.
The table below is a list of the largest claims as
at 30 June 2013.
Agrikultural /
Agricultural
Komersial /
Commercial
Industri /
Industrial
Residensial /
Residential
Agrikultural /
Agricultural
Komersial /
Commercial
Industri /
Industrial
Residensial /
Residential
Aceh
23-Jan-13
0
2
0
0
0
616,416,000
0
0
Tabel 1.6 Kejadian Gempa Bumi tahun 2013 dan Klaim per Okupasi per 30 Juni 2013
Table 1.6 Earthquake Event in 2013 and per Occupationas at 30 June 2013
Frekwensi
Frequency
Jumlah (Dalam Rupiah)
Amount (in Rupiah)
Occupation
Earthquake Event
Date of Loss
Kejadian Gempa Bumi
Tanggal Kejadian
Okupasi
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
671,204,887,097.66
2
YOGYAKARTA
27-05-2006
5.9
239,850,094,678.67
3
PADANG
06-03-2007
5.8
37,201,809,933.83
4
BENGKULU
12-09-2007
7.9
53,319,393,459.63
5
PADANG
16-08-2009
6.9
42,969,561,630.00
6
TASIKMALAYA
02-09-2009
7.3
25,113,517,313.58
7
PARIAMAN
30-09-2009
7.6
1,148,062,579,287.94
8
BIMA
09-11-2009
6.7
36,707,265,185.48
9
MERAPI
25-10-2010
- *)
30,896,749,167.60
10
NUSA DUA
13-10-2011
6.8
7,860,596,823.71
*) Penyebab terkait letusan gunung berapi
Caused b y volcanic eruption
Daftar Klaim - Klaim Terbesar Posisi 30 Juni 2013
List of The Largest Claims as at 30 June 2013
7
Tabel 1.7 menyajikan data jumlah polis dan
loss ratio per 30 Juni 2013. Tabel tersebut
menunjukkan bahwa loss ratio tertinggi berada
pada Underwriting Year 2009 sebesar 55,35 %.
Hal ini dipengaruhi oleh nilai klaim yang cukup
tinggi yang mayoritas disebabkan dari gempa
Pariaman dan gempa Tasikmalaya.
Tabel 1.8 menyajikan Premi dan Exposure per
30 Juni 2013.
Table 1.7 presents number of policies, and
loss ratio as at 30 June 2013. The table show
that the biggest loss ratio was at Underwriting
Year 2009 i.e. 55.35%. It was influenced by
large amount of claim that majority resulting
from Pariaman Earthquake and Tasikmalaya
Earthquake.
Tabel 1.8 presents Premium and Exposure as
at 30 June 2013.
Tabel 1.8 Premi dan Exposure per 30 Juni 2013
Table 1.8 Premium and Exposure as at 30 June 2013
Dal am Jutaan Rupi ah
In Million Rupiah
Premi
Exposure
Premium
Exposure
2009
1,771,182.45
1,490,828,121.41
2010
2,083,883.25
1,649,667,085.89
2011
2,789,687.62
2,133,499,663.66
2012
2,546,326.96
1,866,798,720.03
2013
466,441.63
329,012,092.00
Underwriting
Year
Tabel 1.7 Jumlah Polis dan Loss Ratio per 30 Juni 2013
Tabel 1.7 Number of Policies and Loss Ratio as at 30 Juni 2013
Jumlah Polis
Premi *)
Frekwensi Klaim
Jumlah Klaim *)
Number of Policies
Premium *)
Claim Frequency
Incurred Claim *)
2009
117,735
1,771,182,451,843.39
1,867
980,367,080,771.12
55.35%
2010
116,181
2,083,883,252,234.45
58
42,703,869,847.83
2.05%
2011
115,281
2,789,687,616,674.38
108
15,734,970,173.35
0.56%
2012
106,209
2,546,326,964,370.93
11
1,315,434,751.54
0.05%
2013
24,962
466,441,632,497.63
0
0.00
0.00%
Keterangan :
*) Dalam Rupiah
In Rupiah
Underwriting
8
Tab le 2.1
in IDR
Amount
%
Amount
%
Amount
%
Amount
%
Amount
%
BANDA ACEH 1.1 1,151,317,735,756.51 0.08 3,372,179,572,693.62 0.20 7,518,821,638,120.35 0.35 3,740,435,818,687.02 0.20 225,887,219,764.27 0.07 MEDAN 1.2 41,670,316,078,028.40 2.80 45,555,076,933,052.10 2.76 46,138,426,836,562.50 2.16 37,449,650,041,884.70 2.01 8,414,194,721,937.39 2.56 OTHERS 1.3 21,138,402,190,607.20 1.42 66,038,547,625,057.50 4.00 98,922,229,977,095.20 4.64 45,571,043,562,324.10 2.44 4,790,030,732,526.62 1.46 NORTH SUMATERA 1 63,960,036,004,392.00 4.29 114,965,804,130,803.00 6.97 152,579,478,451,778.00 7.15 86,761,129,422,895.80 4.65 13,430,112,674,228.30 4.08 PADANG 2.1 47,079,201,586,731.00 3.16 18,584,265,175,961.60 1.13 15,856,508,207,062.80 0.74 18,418,496,960,291.60 0.99 2,982,654,030,545.90 0.91 PALEMBANG 2.2 19,088,700,278,197.20 1.28 17,873,056,350,480.70 1.08 13,850,559,458,040.50 0.65 19,570,546,224,734.20 1.05 2,191,077,411,225.62 0.67 OTHERS 2.3 92,987,661,402,965.50 6.24 99,756,671,823,239.90 6.05 125,420,385,179,202.00 5.88 127,280,894,281,934.00 6.82 20,449,780,370,394.20 6.22 SOUTH SUMATERA 2 159,155,563,267,894.00 10.68 136,213,993,349,682.00 8.26 155,127,452,844,305.00 7.27 165,269,937,466,960.00 8.85 25,623,511,812,165.70 7.79 JAKARTA 3.1 291,846,144,884,982.00 19.58 293,541,065,983,175.00 17.79 449,109,627,597,055.00 21.05 385,298,806,843,644.00 20.64 84,753,462,422,109.30 25.76 BANDUNG 3.2 7,355,020,993,872.18 0.49 5,935,570,412,798.67 0.36 6,835,086,806,751.73 0.32 10,268,861,940,913.10 0.55 1,377,634,306,376.78 0.42 OTHERS 3.3 437,284,729,877,130.00 29.33 590,154,430,672,201.00 35.77 601,175,288,433,698.00 28.18 616,675,409,567,658.00 33.03 105,544,596,035,820.00 32.08 WEST JAVA 3 736,485,895,755,984.00 49.40 889,631,067,068,176.00 53.93 1,057,120,002,837,500.00 49.55 1,012,243,078,352,210.00 54.22 191,675,692,764,306.00 58.26 SEMARANG 4.1 1,326,730,828,856.88 0.09 10,375,664,500,409.60 0.63 6,514,625,520,390.43 0.31 5,692,292,433,155.38 0.30 615,201,599,623.58 0.19 YOGYAKARTA 4.2 8,403,718,692,366.82 0.56 9,113,864,140,739.63 0.55 10,212,793,123,472.10 0.48 8,866,374,614,440.17 0.47 1,141,394,344,344.35 0.35 OTHERS 4.3 76,441,412,447,319.50 5.13 59,334,562,056,606.50 3.60 116,429,538,756,366.00 5.46 99,324,394,249,735.30 5.32 35,492,269,350,253.30 10.79 CENTRAL JAVA 4 86,171,861,968,543.20 5.78 78,824,090,697,755.60 4.78 133,156,957,400,229.00 6.24 113,883,061,297,331.00 6.10 37,248,865,294,221.30 11.32 SURABAYA 5.1 52,196,852,144,828.80 3.50 94,595,230,497,058.00 5.73 85,264,971,297,396.40 4.00 48,991,535,160,041.40 2.62 8,147,059,874,110.52 2.48 OTHERS 5.2 215,737,331,338,301.00 14.47 147,737,634,356,237.00 8.96 302,516,560,808,723.00 14.18 221,318,385,371,217.00 11.86 20,049,472,544,420.00 6.09 EAST JAVA 5 267,934,183,483,130.00 17.97 242,332,864,853,295.00 14.69 387,781,532,106,120.00 18.18 270,309,920,531,259.00 14.48 28,196,532,418,530.50 8.57 KALIMANTAN 6 79,775,707,197,619.70 5.35 78,291,246,957,412.10 4.75 122,651,657,372,680.00 5.75 95,554,681,732,843.80 5.12 9,786,725,669,739.37 2.97 UJUNG PANDANG 7.1 12,936,344,695,590.60 0.87 9,495,668,697,498.03 0.58 10,640,518,030,505.20 0.50 9,799,832,825,352.94 0.52 2,873,384,048,314.97 0.87 OTHERS 7.2 35,550,160,599,984.60 2.38 50,895,191,748,124.30 3.09 59,611,518,695,453.50 2.79 53,539,594,890,526.40 2.87 5,063,021,984,806.05 1.54 SULAWESI 7 48,486,505,295,575.20 3.25 60,390,860,445,622.30 3.66 70,252,036,725,958.70 3.29 63,339,427,715,879.40 3.39 7,936,406,033,121.02 2.41 OTHER ISLANDS 8 48,858,368,437,212.00 3.28 49,017,158,388,534.10 2.97 54,830,545,919,469.70 2.57 59,437,483,514,354.00 3.18 15,114,245,331,385.80 4.59 1,490,828,121,410,350.00 100.00 1,649,667,085,891,280.00 100.00 2,133,499,663,658,040.00 100.00 1,866,798,720,033,740.00 100.00 329,012,091,997,698.00 100.00
U/Y 2013
As At 30/06/2013
National Aggregate Exposure By Cresta Zone
T O T A L
U/Y 2012
9
152,579.48 155,127.45 1,057,120.00 133,156.96 387,781.53 122,651.66 70,252.04 54,830.55 86,761.13 165,269.94 1,012,243.08 113,883.06 270,309.92 95,554.68 63,339.43 59,437.48 13,430.11 25,623.51 191,675.69 37,248.87 28,196.53 9,786.73 7,936.41 15,114.25 North Sumatera South Sumatera West Java Central Java East Java Kalimantan Sulawesi Other Islands 63,960.04 159,155.56 736,485.90 86,171.86 267,934.18 79,775.71 48,486.51 48,858.37 114,965.80 136,213.99 889,631.07 78,824.09 242,332.86 78,291.25 60,390.86 49,017.16 UY 2009 UY 2010 UY 2011 UY 2012 UY 201310
Amount
%
Amount
%
Amount
%
Amount
%
Amount
%
AGRICULTURAL A 10,730,100,942,270.60 0.72 17,579,829,261,131.60 1.07 19,568,126,616,920.40 0.92 22,264,159,428,653.50 1.19 859,266,128,749.00 0.26 COMMERCIAL C 325,666,319,061,042.00 21.84 306,433,797,524,055.00 18.58 528,585,353,680,073.00 24.78 416,627,205,943,611.00 22.32 92,428,133,155,134.40 28.09 INDUSTRIAL I 982,965,036,710,000.00 65.93 1,056,707,026,435,880.00 64.06 1,357,710,583,221,000.00 63.64 1,206,663,699,566,360.00 64.64 185,811,099,540,375.00 56.48 RESIDENTIAL R 171,466,664,697,037.00 11.50 268,946,432,670,209.00 16.30 227,635,600,140,049.00 10.67 221,243,655,095,115.00 11.85 49,913,593,173,439.10 15.17 1,490,828,121,410,350.00 100.00 1,649,667,085,891,280.00 100.00 2,133,499,663,658,040.00 100.00 1,866,798,720,033,740.00 100.00 329,012,091,997,698.00 100.00
U/Y 2010
Tab le 2.2
Occupation
As At 30/06/2013
National Aggregate Exposure By Occupation
T O T A L
U/Y 2011
U/Y 2012
U/Y 2013
in IDR
11
( In Billion IDR ) Agricultural, 19,568.13 Commercial, 528,585.35 Industrial, 1,357,710.58 Residential, 227,635.60 Agricultural, 22,264.16 Commercial, 416,627.21 Industrial, 1,206,663.70 Residential, 221,243.66 Agricultural, 859.27 Commercial, 92,428.13 Industrial, 185,811.10 Residential, 49,913.59 Agricultural, 10,730.10 Commercial, 325,666.32 Industrial, 982,965.04 Residential, 171,466.66 Agricultural, 17,579.83 Commercial, 306,433.80 Industrial, 1,056,707.03 Residential, 268,946.43UY 2009
UY 2010
UY 2011
UY 2012
UY 2013
12
Tab le 2.3
Amount % Amount % Amount % Amount % Amount %
Building 707,690,887,982,314.00 47.47 759,778,602,589,838.00 46.06 944,256,761,732,130.00 44.26 792,466,983,514,638.00 42.45 106,522,997,682,018.00 32.38 Machinery 295,689,793,261,984.00 19.83 364,257,222,697,777.00 22.08 434,858,734,440,365.00 20.38 378,494,906,946,183.00 20.28 89,335,808,847,940.50 27.15 Others 192,298,425,990,843.00 12.90 183,242,815,284,571.00 11.11 252,585,773,758,283.00 11.84 249,024,063,006,341.00 13.34 45,474,649,119,831.90 13.82 Stock 164,037,394,605,562.00 11.00 214,397,282,350,611.00 13.00 282,411,101,716,550.00 13.24 269,274,916,192,032.00 14.42 55,084,161,958,661.70 16.74 Bussiness Interruption 131,111,619,569,647.00 8.79 127,991,162,968,483.00 7.76 219,387,292,010,715.00 10.28 177,537,850,374,542.00 9.51 32,594,474,389,246.00 9.91 T O T A L 1,490,828,121,410,350.00 100.00 1,649,667,085,891,280.00 100.00 2,133,499,663,658,040.00 100.00 1,866,798,720,033,740.00 100.00 329,012,091,997,698.00 100.00
National Aggregate Exposure By Interest
In IDR
Interest
U/Y 2011
U/Y 2012
U/Y 2013
As At 30/06/2013
13
0.00
100,000.00
200,000.00
300,000.00
400,000.00
500,000.00
600,000.00
700,000.00
800,000.00
900,000.00
1,000,000.00
UY 2009
UY 2010
UY 2011
UY 2012
UY 2013
Building
Machinery
Stock
Others
Business Interruption
14
Tab le 2.4
In IDR
Amount % Amount % Amount % Amount % Amount %
01. NAD 2,129,111,617,748.15 0.14 45,896,549,742,028.30 2.78 64,016,209,950,642.90 3.00 15,801,554,178,547.90 0.85 499,163,742,055.27 0.15 02. SUMATERA UTARA 61,830,924,386,643.90 4.15 69,069,254,388,774.90 4.19 88,563,268,501,135.20 4.15 70,959,575,244,347.90 3.80 12,930,948,932,173.00 3.93 03. SUMATERA BARAT 51,986,147,581,059.10 3.49 22,452,769,096,979.30 1.36 23,006,864,914,047.00 1.08 26,446,002,289,147.20 1.42 3,683,450,224,092.90 1.12 04. RIAU 23,766,679,475,558.90 1.59 33,026,349,995,797.20 2.00 35,232,348,841,511.00 1.65 33,948,938,083,556.20 1.82 6,024,071,902,337.09 1.83 05. JAMBI 4,286,182,876,101.53 0.29 5,223,547,269,439.78 0.32 8,425,278,687,951.55 0.39 10,463,290,229,272.70 0.56 1,069,951,206,165.03 0.33 06. SUMATERA SELATAN 34,441,723,510,868.40 2.31 35,334,390,151,857.40 2.14 29,025,472,060,108.90 1.36 42,365,537,426,536.90 2.27 3,946,086,612,213.62 1.20 07. BENGKULU 2,829,353,116,796.79 0.19 3,071,922,062,750.14 0.19 4,061,932,263,115.86 0.19 4,134,702,191,247.59 0.22 701,841,782,117.27 0.21 08. LAMPUNG 22,259,556,772,337.80 1.49 16,896,042,909,000.00 1.02 27,394,030,704,809.60 1.28 25,429,998,762,576.20 1.36 6,320,663,136,626.28 1.92 09. KEP BANGKA-BELITUNG 23,539,205,367,201.10 1.58 2,949,807,596,903.38 0.18 2,750,408,873,226.23 0.13 3,150,857,107,238.06 0.17 465,181,949,178.80 0.14 10. KEPULAUAN RIAU 36,754,142,794,671.60 2.47 17,259,164,266,955.00 1.05 25,231,116,499,534.90 1.18 19,330,611,377,385.50 1.04 3,412,264,999,434.73 1.04 11. JAKARTA 278,038,128,925,252.00 18.65 293,541,065,983,175.00 17.79 449,109,627,597,055.00 21.05 385,298,806,843,644.00 20.64 84,753,462,422,109.30 25.76 12. JAWA BARAT 271,796,866,033,426.00 18.23 394,421,470,759,171.00 23.91 399,209,964,492,636.00 18.71 432,437,632,989,912.00 23.16 77,678,439,717,299.20 23.61 13. JAWA TENGAH 76,189,062,582,586.30 5.11 68,266,382,870,713.20 4.14 121,134,591,473,959.00 5.68 103,026,506,988,456.00 5.52 35,545,495,912,657.00 10.80 14. DIY 9,363,455,288,768.88 0.63 10,557,707,827,042.40 0.64 12,022,365,926,269.50 0.56 10,856,554,308,875.20 0.58 1,703,369,381,564.31 0.52 15. JAWA TIMUR 265,105,697,503,177.00 17.78 242,332,864,853,295.00 14.69 387,781,532,106,120.00 18.18 270,309,920,531,259.00 14.48 28,196,532,418,530.50 8.57 16. BANTEN 151,660,321,365,100.00 10.17 201,668,530,325,829.00 12.22 208,800,410,747,814.00 9.79 194,506,638,518,659.00 10.42 29,243,790,624,897.10 8.89 17. BALI 40,202,835,882,896.70 2.70 38,933,119,584,907.80 2.36 42,912,718,788,444.60 2.01 46,562,058,115,781.80 2.49 12,313,618,037,790.40 3.74 18. NUSA TENGGARA BARAT 3,490,546,199,565.78 0.23 2,913,971,660,370.82 0.18 3,013,131,704,772.26 0.14 3,421,094,661,526.50 0.18 905,129,060,162.79 0.28 19. NUSA TENGGARA TIMUR 756,334,736,995.34 0.05 866,279,324,190.44 0.05 1,614,228,486,822.56 0.08 1,784,243,410,170.60 0.10 142,112,805,455.20 0.04 20. KALIMANTAN BARAT 3,928,085,154,096.52 0.26 4,153,920,301,133.57 0.25 7,039,246,798,600.69 0.33 6,153,943,737,946.25 0.33 1,186,366,859,035.35 0.36 21. KALIMANTAN TENGAH 3,433,626,226,962.45 0.23 11,751,768,129,889.30 0.71 12,237,334,300,860.60 0.57 9,382,372,392,912.28 0.50 473,119,576,075.14 0.14 22. KALIMANTAN SELATAN 14,198,635,526,129.60 0.95 14,536,826,586,573.50 0.88 28,069,611,376,173.00 1.32 14,003,415,795,464.80 0.75 1,398,999,423,190.33 0.43 23. KALIMANTAN TIMUR 55,774,591,420,497.40 3.74 47,848,731,939,815.70 2.90 75,305,464,897,045.60 3.53 66,014,949,806,520.40 3.54 6,728,239,811,438.55 2.04 24. SULAWESI UTARA 7,145,694,528,981.35 0.48 8,866,538,150,728.90 0.54 20,603,135,583,167.80 0.97 10,945,508,879,170.80 0.59 1,505,890,877,211.45 0.46 25. SULAWESI TENGAH 1,191,649,278,851.66 0.08 1,343,057,490,561.18 0.08 2,228,387,852,567.00 0.10 1,745,820,786,867.60 0.09 1,994,526,569,987.60 0.61 26. SULAWESI SELATAN 19,968,991,918,068.80 1.34 17,334,480,273,173.30 1.05 24,666,771,831,657.40 1.16 25,728,728,291,743.90 1.38 4,173,743,998,969.37 1.27 27. SULAWESI TENGGARA 8,621,142,929,885.33 0.58 18,969,500,939,505.30 1.15 9,114,456,000,514.20 0.43 9,679,258,736,051.38 0.52 118,710,111,438.60 0.04 28. GORONTALO 10,845,525,441,797.70 0.73 12,013,952,637,944.50 0.73 12,691,734,203,888.80 0.59 14,153,068,633,534.70 0.76 111,063,373,743.00 0.03 29. SULAWESI BARAT 555,854,153,447.43 0.04 1,863,330,953,709.09 0.11 947,551,254,163.56 0.04 1,087,042,388,510.91 0.06 32,471,101,771.00 0.01 30. MALUKU 524,181,278,336.88 0.04 927,656,091,522.52 0.06 1,010,780,507,069.61 0.05 1,248,137,421,411.17 0.07 346,870,840,293.00 0.11 31. MALUKU UTARA 439,777,819,233.64 0.03 431,790,391,954.50 0.03 600,701,740,622.42 0.03 784,215,282,574.22 0.04 105,958,825,514.00 0.03 32. PAPUA BARAT 2,008,044,855,238.31 0.13 1,738,814,904,170.20 0.11 2,180,860,091,196.19 0.10 2,203,079,699,901.26 0.12 430,595,751,394.00 0.13 33. PAPUA 1,766,044,862,068.80 0.12 3,205,526,431,417.89 0.19 3,498,124,600,542.06 0.16 3,434,654,922,988.45 0.18 869,960,010,776.46 0.26 T O T A L 1,490,828,121,410,350.00 100.00 1,649,667,085,891,280.00 100.00 2,133,499,663,658,040.00 100.00 1,866,798,720,033,740.00 100.00 329,012,091,997,698.00 100.00
Province U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2013
National Aggregate Exposure By Province
As At 30/06/2013
15
Tab le 3.1
in IDR
Amount
%
Amount
%
Amount
%
Amount
%
Amount
%
BANDA ACEH
1.1
1,421,009,357.01
0.08
5,817,910,093.62
0.28
12,937,506,402.76
0.46
7,060,394,392.08
0.28
411,551,772.90
0.09
MEDAN
1.2
51,779,147,506.33
2.92
54,851,052,537.98
2.63
54,225,469,591.20
1.94
46,147,499,671.93
1.81
10,570,581,886.52
2.27
OTHERS
1.3
24,861,350,127.17
1.40
84,222,782,938.40
4.04
132,724,364,758.46
4.76
62,136,185,376.75
2.44
6,655,784,572.62
1.43
NORTH SUMATERA
1
78,061,506,990.51
4.41
144,891,745,570.00
6.95
199,887,340,752.42
7.17
115,344,079,440.76
4.53
17,637,918,232.04
3.78
PADANG
2.1
55,282,246,739.63
3.12
32,763,150,722.69
1.57
29,530,427,929.95
1.06
34,705,971,746.33
1.36
5,514,591,495.36
1.18
PALEMBANG
2.2
20,548,650,294.82
1.16
16,904,096,152.15
0.81
12,929,429,406.38
0.46
18,355,562,358.67
0.72
2,093,649,833.75
0.45
OTHERS
2.3
106,993,265,409.90
6.04
110,542,695,662.54
5.30
139,166,633,521.58
4.99
147,531,719,859.03
5.79
24,713,790,684.22
5.30
SOUTH SUMATERA
2
182,824,162,444.35
10.32
160,209,942,537.38
7.69
181,626,490,857.91
6.51
200,593,253,964.03
7.88
32,322,032,013.33
6.93
JAKARTA
3.1
376,635,804,581.64
21.26
416,347,168,413.95
19.98
645,389,838,036.51
23.13
576,161,781,634.23
22.63
130,528,058,562.12
27.98
BANDUNG
3.2
9,457,807,091.92
0.53
8,241,042,107.75
0.40
9,999,946,631.05
0.36
15,305,498,523.88
0.60
2,059,604,660.47
0.44
OTHERS
3.3
489,696,407,734.99
27.65
761,714,575,963.26
36.55
827,425,250,108.81
29.66
889,975,250,173.92
34.95
160,538,152,646.87
34.42
WEST JAVA
3
875,790,019,408.55
49.45
1,186,302,786,484.96
56.93
1,482,815,034,776.37
53.15
1,481,442,530,332.03
58.18
293,125,815,869.46
62.84
SEMARANG
4.1
1,630,075,740.43
0.09
11,647,043,016.95
0.56
7,948,947,328.79
0.28
6,908,483,854.76
0.27
773,346,573.33
0.17
YOGYAKARTA
4.2
11,214,752,496.60
0.63
13,121,451,297.36
0.63
15,314,014,198.84
0.55
13,508,744,862.26
0.53
1,711,656,737.82
0.37
OTHERS
4.3
92,458,237,566.19
5.22
71,861,507,333.17
3.45
145,882,383,281.76
5.23
123,839,589,329.08
4.86
41,701,436,932.55
8.94
CENTRAL JAVA
4
105,303,065,803.22
5.95
96,630,001,647.48
4.64
169,145,344,809.39
6.06
144,256,818,046.10
5.67
44,186,440,243.70
9.47
SURABAYA
5.1
64,211,415,351.47
3.63
109,556,140,483.29
5.26
108,213,813,933.74
3.88
62,219,352,558.15
2.44
10,290,002,962.11
2.21
OTHERS
5.2
251,270,882,807.37
14.19
171,977,888,118.33
8.25
363,035,755,921.08
13.01
273,482,655,972.87
10.74
25,846,748,281.50
5.54
EAST JAVA
5
315,482,298,158.84
17.81
281,534,028,601.62
13.51
471,249,569,854.82
16.89
335,702,008,531.02
13.18
36,136,751,243.61
7.75
KALIMANTAN
6
92,748,368,387.60
5.24
68,414,377,789.76
3.28
103,125,514,374.15
3.70
88,124,330,644.11
3.46
9,070,051,094.68
1.94
UJUNG PANDANG
7.1
15,678,910,581.79
0.89
9,843,733,231.85
0.47
9,734,288,105.68
0.35
9,417,378,160.89
0.37
2,819,486,299.18
0.60
OTHERS
7.2
45,792,003,271.91
2.59
67,408,314,486.92
3.23
93,677,393,055.70
3.36
82,252,652,681.78
3.23
7,619,789,156.64
1.63
SULAWESI
7
61,470,913,853.70
3.47
77,252,047,718.77
3.71
103,411,681,161.38
3.71
91,670,030,842.67
3.60
10,439,275,455.82
2.24
OTHER ISLANDS
8
59,502,116,796.60
3.36
68,648,321,884.49
3.29
78,426,640,087.95
2.81
89,193,912,570.19
3.50
23,523,348,345.00
5.04
1,771,182,451,843.37
100.00
2,083,883,252,234.46
100.00
2,789,687,616,674.39
100.00
2,546,326,964,370.91
100.00
466,441,632,497.64
100.00
U/Y 2013
As At 30/06/2013
National Gross Premium By Cresta Zone
T O T A L
U/Y 2012
Cresta Zone
U/Y 2011
16
(in Billion IDR)
North Sumatera
South Sumatera
West Java
Central Java
East Java
Kalimantan
Sulawesi
Other Islands
199.89 181.63 1,482.82 169.15 471.25 103.13 103.41 78.43 115.34 200.59 1,481.44 144.26 335.70 88.12 91.67 89.19 17.64 32.32 293.13 44.19 36.14 9.07 10.44 23.52 78.06 182.82 875.79 105.30 315.48 92.75 61.47 59.50 144.89 160.21 1,186.30 96.63 281.53 68.41 77.25 68.65UY 2010
UY 2011
UY 2012
UY 2013
UY 2009
17
Amount
%
Amount
%
Amount
%
Amount
%
Amount
%
AGRICULTURAL A 12,194,014,775.07 0.69 20,801,507,197.22 1.00 23,250,839,800.24 0.83 28,118,491,579.49 1.10 1,206,447,679.98 0.26 COMMERCIAL C 405,039,221,664.43 22.87 422,806,129,549.28 20.29 735,109,136,866.45 26.35 592,338,735,848.76 23.26 133,150,172,482.61 28.55 INDUSTRIAL I 1,123,907,187,984.33 63.46 1,282,982,608,844.50 61.57 1,697,084,749,965.57 60.83 1,592,811,877,470.49 62.55 258,618,088,768.60 55.44 RESIDENTIAL R 230,042,027,419.56 12.99 357,293,006,643.45 17.15 334,242,890,042.12 11.98 333,057,859,472.19 13.08 73,466,923,566.44 15.75 1,771,182,451,843.39 100.00 2,083,883,252,234.45 100.00 2,789,687,616,674.38 100.00 2,546,326,964,370.93 100.00 466,441,632,497.63 100.00
U/Y 2009
U/Y 2010
Tab le 3.2
Occupation
As At 30/06/2013
National Gross Premium By Occupation
T O T A L
