w w w. m a i p a r k. c o m PT Reasuransi MAIPARK Indonesia

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1 w w w. m a i p a r k. c o m PT Reasuransi MAIPARK Indonesia

2 Kata Pengantar Foreword Dengan Hormat, Dear Sir / Madam, 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, 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, Bisma Subrata Director i

3 Daftar Isi Content Hal. Kata Pengantar... i Daftar Isi... ii Informasi Statistik... vii Page Foreword... i Contents... ii Statistic Information... vii Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Desember 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 Tabel 2.3. Exposure Per Interest Tabel 2.4. Exposure Per Provinsi Statistic Overview of Indonesian Earthquake Insurance December 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 Table 2.3. Exposure By Interest Table 2.4. Exposure By Province Premi Bruto Asuransi Gempa Bumi Indonesia.... Tabel 3.1. Gross Premium Per Cresta Zone.. 16 Tabel 3.2. Gross Premium Per Okupasi Tabel 3.3. Gross Premium Per Provinsi Indonesian Earthquake Insurance Gross Premium... Table 3.1. Gross Premium By Cresta Zone Table 3.2. Gross Premium By Occupation Table 3.3. Gross Premium By Province Jumlah Risiko Asuransi Gempa Bumi Indonesia... Tabel 4.1. Jumlah Risiko Per Cresta Zone Tabel 4.2. Jumlah Risiko Per Okupasi Indonesian Earthquake Insurance Number of Risks... Table 4.1. Number of Risk By Cresta Zone Table 4.2. Number of Risk By Occupation Klaim Asuransi Gempa Bumi Indonesia... Tabel 5.1. Klaim Frekwensi Per Okupasi Tabel 5.2. Klaim Frekwensi Per Cresta Zone. 27 Tabel 5.3. Klaim Per Okupasi Tabel 5.4. Klaim Per Cresta Zone 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 Table 5.4 Claim By Cresta Zone ii

4 Profil Risiko dan Klaim... Underwriting Year , Seluruh Okupasi Underwriting Year 2014, Seluruh Okupasi Underwriting Year 2013, Seluruh Okupasi Underwriting Year 2012, Seluruh Okupasi Underwriting Year 2011, Seluruh Okupasi Underwriting Year 2010, Seluruh Okupasi Risk and Loss Profile... Underwriting Year , All Occupation Underwriting Year 2014, All Occupation Underwriting Year 2013, All Occupation Underwriting Year 2012, All Occupation Underwriting Year 2011, All Occupation Underwriting Year 2010, All Occupation Profil Risiko dan Klaim Underwriting Year 2014 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residensial Risk and Loss Profile Underwriting Year 2014 By Occupation.... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Profil Risiko dan Klaim Underwriting Year 2013 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residensial Risk and Loss Profile Underwriting Year 2013 By Occupation.... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Profil Risiko dan Klaim Underwriting Year 2012 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residensial Risk and Loss Profile Underwriting Year 2012 By Occupation.... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Profil Risiko dan Klaim Underwriting Year 2011 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residensial Risk and Loss Profile Underwriting Year 2011 By Occupation.... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation iii

5 Profil Risiko dan Klaim Underwriting Year 2010 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residential Risk and Loss Profile Underwriting Year 2010 By Occupation... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Exposure, Premi Bruto, Jumlah Risiko dan Klaim Asuransi Gempa Bumi Indonesia... Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year Indonesian Earthquake Insurance Exposure, Gross Premium, Number of Risks and Claim... Exposure, Gross Premium, Number of Risks & Claim by Cresta Zone, UY Exposure, Gross Premium, Number of Risks & Claim by Cresta Zone, UY Exposure, Gross Premium, Number of Risks & Claim by Cresta Zone, UY Exposure, Gross Premium, Number of Risks & Claim by Cresta Zone, UY Exposure, Gross Premium, Number of Risks & Claim by Cresta Zone, UY Exposure, Premi Bruto, Jumlah Risiko dan Klaim Asuransi Gempa Bumi Indonesia... Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year Indonesian Earthquake Insurance Exposure, Gross Premium, Number of Risks and Claim... Exposure, Gross Premium, Number of Risks & Claim by Occupation, UY Exposure, Gross Premium, Number of Risks & Claim by Occupation, UY Exposure, Gross Premium, Number of Risks & Claim by Occupation, UY Exposure, Gross Premium, Number of Risks & Claim by Occupation, UY Exposure, Gross Premium, Number of Risks & Claim by Occupation, UY iv

6 Exposure, Premi Bruto, Jumlah Risiko dan Klaim Asuransi Gempa Bumi Indonesia... Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year Indonesian Earthquake Insurance Exposure, Gross Premium, Number of Risks and Claim... Exposure, Gross Premium, Number of Risks & Claim by Province, UY Exposure, Gross Premium, Number of Risks & Claim by Province, UY Exposure, Gross Premium, Number of Risks & Claim by Province, UY Exposure, Gross Premium, Number of Risks & Claim by Province, UY Exposure, Gross Premium, Number of Risks & Claim by Province, UY Peta Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2014, per 31 Desember Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2014, per 31 Desember 2014, Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred UY Map Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2014, as at 31 December Indonesian Earthquake Distribution M > 5 and Claim Incurred Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2014, as at 31 December 2014, Indonesian Earthquake Distribution M > 5 and Claim Incurred Damage Ratio Ulasan Aktuaria. 80 Damage Ratio Actuarial Commentary Lampiran 1. Daftar Istilah Tarif Asuransi Gempa Bumi Indonesia Skala First Loss Tabel jangka Waktu Pertanggungan Kurang Dari Satu Tahun Skala Indemnity Period Tabel Cresta Zone dan Zona..96 Attachments 1. Glossaries Indonesian Earthquake Insurance Tariff First Loss Scale Short Period Table Less Than One Year Period Indemnity Period Scale Cresta Zone and Zone Table 96 v

7 Referensi 1. Otoritas Jasa Keuangan (OJK). 2. Badan Pusat Statistik (BPS). Reference 1. Financial Services Authority (OJK). 2. Central of Statistics Bureau (BPS). *) Laporan Statistik ini dapat diperoleh di website PT Reasuransi MAIPARK Indonesia *) Statistic Report is available on PT Reasuransi MAIPARK Indonesia s Website vi

8 Informasi Statistik Statistic Information 1. Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan posisi 31 Desember Sesi Limit 2.1. Limit Sesi atas setiap risiko (any one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah sebagai berikut: Untuk daerah Jawa Barat, Banten dan DKI: 5% (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,500,00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2010, 2011 dan % (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 25,000,000,00 (dua puluh lima miliar Rupiah) atau yang setara dengan USD 2,631, (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 31 December Cession Limit 2.1. Cession Limit of any one risk for the combined material damage and business interruption are as follows: For West Java, Banten and DKI: 5% (five percent) of the total sum insured, being a maximum of USD 2,500,00 (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2010, 2011 and % (five percent) of the total sum insured, being a maximum of Rp.25,000,000,00 (twenty five billion Indonesian Rupiahs) or equal to USD 2,631, (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 vii

9 Untuk Underwriting Year Untuk daerah Indonesia lainnya: 25% (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,500,00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2010, 2011 dan % (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 25,000,000,00 (dua puluh lima miliar Rupiah) atau yang setara dengan USD 2,631, (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 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 pertanggungan (total sum insured) For other Indonesia areas: 25% (twenty five percent) of the total sum insured, being a maximum of USD 2,500,00 (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2010, 2011 and % (twenty five percent) of the total sum insured, being a maximum of Rp.25,000,000,00 (twenty five billion Indonesian Rupiahs) or equal to USD 2,631, (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 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 insured, being a maximum of viii

10 maksimum USD 3,500,00 (tiga juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year Yang dimaksud dengan setiap risiko (anyone risk) adalah akumulasi (aggregate) jumlah harga pertanggungan seluruh risiko pada lokasi yang sama untuk masingmasing 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 koasuransi, 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 3,500,00 (three million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 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 coinsurance, the maximum cession from all members of coinsurance is stipulated in point 2.1 above. Each ceding company cedes proportionally depending on its coinsurance share. If there are policies other than coinsurance 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. ix

11 3. Tarif Premi Asuransi Gempa Bumi Indonesia 3.1. Penutupan Full Value Basis mengaplikasikan Tarif Premi Standar Gempa Bumi Indonesia (lampiran 2) Penutupan First Loss / Sub Limit Basis mengaplikasikan standar First Loss Scale (lampiran 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: Kerusakan Fisik: Bangunan Pondasi Penggalian dan Sejenisnya Persediaan Barang Lain-lain 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) For the First Loss / Sub Limit Basis coverage apply standard First Loss Scale (attachment 3) Premium calculation for short period coverage is based on Short Period Scale (attachment 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: Material damage: Building Foundation Excavation and the like Stock Others 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. x

12 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. xi

13 Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2014 Statistic Overview of Indonesia Earthquake Insurance December 2014 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 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 ,7 triliun sedangkan tahun 2013 adalah Rp.9.524,7triliun. 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 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. 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. 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. Premi Bruto Sampai dengan 31 Desember 2014, premi bruto asuransi gempa bumi Underwriting Year 2010 adalah sebesar Rp ,7 miliar. Premi bruto untuk Underwriting Year 2011 tercatat 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 1

14 Rp ,2 miliar, sedangkan untuk Underwriting Year 2012 adalah Rp ,6 miliar. Untuk Underwriting Year 2013 dan 2014 adalah Rp ,6 miliar dan Rp ,3 miliar. Angka angka ini akan terus bergerak naik terutama untuk Underwriting Year 2013 dan 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 Tabel 1.1 di bawah ini menyajikan rincian premi bruto berdasarkan jenis okupasi dari Underwriting Year 2010 hingga Underwriting Year 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 ,25 juta di Underwriting Year 2010 menjadi Rp ,42 The table 1.1 below shows the details of gross premium based on occupation from Underwriting Year 2010 to Underwriting Year 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, million in Underwriting Year 2010 to Rp. 750, million. juta. 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 Agrikultural / Agricultural Komersial / Commercial Industri / Industrial Residensial / Residential Dalam Jutaan Rupiah In Million Rupiah , % 434, % 1,297, % 363, % 2,116, , % 750, % 1,697, % 342, % 2,814, , % 642, % 1,624, % 344, % 2,641, , % 1,716, % 2,026, % 473, % 4,251, , % 619, % 1,321, % 404, % 2,363, T O T A L 127, ,164, ,967, ,927, ,187, Total 2

15 D. Jumlah Risiko Tabel 1.2 di bawah ini menyajikan jumlah risiko pada Underwriting Year 2010 hingga Underwriting Year 2014 yang tercatat sampai dengan 31 Desember D. Number of Risks Table 1.2 below shows the number of risks from Underwriting Year 2010 to Underwriting Year 2014 recorded until 31 December Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 31 December2014 Table 1.2 Number of Risk By Occupation as at 31 December 2014 Okupasi U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 Occupation Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Agricultural / Agricultural A Komersial / Commercial C 83, , , , , Industrial / Industrial I 13, , , , , Residensial / Residential R 67, , , , , Jumlah / Total 164, , , , , Number of Risk By Occupation As at 31 December 2014 Industrial, 13,867 Agricultural, 420 Residential, 61,096 Residential, 67,179 Commercial, 91,412 Commercial, 83,091 Industrial, 14,995 Industrial, 17,098 Commercial, 94,353 Agricultural, 441 Agricultural, 379 Residential, 59,137 UY 2010 UY 2012 Industrial, 10,516 Commercial, 99,888 Industrial, 18,149 UY 2011 Residential, 65,858 Commercial, 61,308 Residential, 69,139 Agricultural, 481 Agricultural, 224 UY 2013 UY

16 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. 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 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. Based on table 1.3 below, the highest earthquake claim frequency occurred in underwriting year 2011 was 86 claims and it dominated by Commercial occupation of 61 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. 4

17 Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 31 Desember 2014 Table 1.3 Claim Frequency By Occupation as at 31 December 2014 Okupasi Occupation Underwriting Year Agrikultural / Agricultural A Komersial / Commercial C Industrial / Industrial I Residensial / Residential R Jumlah / Total 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. Tabel 1.4 Frekwensi Incurred Claim Underwriting Year 2013 Per 31 Desember 2014 Table 1.4 Frequency Incurred Claim Underwriting Year 2013 as at 31 December 2014 Incurred Claim () *) 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 ,607,729 19,874,507 50,000, , ,105,818 66,276,455 85,105,818 60,000, ,206, ,841, ,250, ,000, ,142,500, ,625, ,000, ,000, ,346,400, ,200, ,400, ,000, , ,636, ,636, ,636, ,636,675 1,000-1, ,169,977,000 1,233,995,400 1,462,986,000 1,010,000,000 1,500-2, ,600,000,000 1,600,000,000 1,600,000,000 1,600,000,000 2,000-2, ,500-3, ,000-4, ,000-5, ,000-7, ,500-10, ,000-20, ,000-50, ,833,000,000 34,833,000,000 34,833,000,000 34,833,000,000 50, , , , ,010,000, ,010,000, ,010,000, ,010,000, ,000 - up Total ,608,433,372 5

18 Dengan melihat tabel 1.5 tampak bahwa jumlah klaim terbesar berada pada Underwriting Year Klaim yang terbesar adalah pada okupasi Komersial, yaitu 99,40% dari total klaim di Underwriting Year 2013 atau sebesar Rp. 317,7 miliar. Looking at table 1.5 below, it shows that the largest claim is in the Underwriting Year The largest claim is under Commercial occupation that is 99.40% of the total claim in Underwriting Year 2013 or Rp billion. Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 31 Desember 2014 Table 1.5 Claim Amount By Occupation as at 31 December 2014 Dalam Rupiah In Rupiah Underwriting Year Okupasi Occupation Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Agrikultural / Agricultural A Komersial / Commercial C 42,257,418, ,884,257, ,969,759, ,694,548, ,745, Industrial / Industrial I 760,224, ,821,282, Residensial / Residential R 356,785, ,190, ,000, ,602, ,000,00 Jumlah / Total 43,374,428, ,163,447, ,019,759, ,608,433, ,745, Tabel 1.6 di bawah ini menyajikan kejadian Gempa Bumi Tahun 2014 dan Incurred Claim sampai dengan 31 Desember Table 1.6 below shows earthquake events occurred in 2014 and the corresponding incurred claims as at 31 December

19 Tabel 1.6 Kejadian Gempa Bumi Tahun 2014 dan Klaim per 31 Desember 2014 Table 1.6 Earthquake Event in 2014 and Claim as at 31 December 2014 Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Event Date of Loss Magnitude (S.R) Klaim Claim Dalam Rupiah In Rupiah Cilacap 25-Jan ,698,40 Palu 23-Feb ,000,00 Lombok Utara 6-Mar ,900,00 Mentawai 1-Jul ,212,875, Manado 15-Nov ,000,00 Tabel 1.7 di bawah ini menyajikan klaim untuk event Cilacap, Palu, Lombok Utara, Kuta dan Yogya perjenis okupasi. Table 1.7 shows Cilacap, Palu, Lombok Utara, Kuta and Yogya events by occupation. Tabel 1.7 Kejadian Gempa Bumi Tahun 2014 dan Klaim per Okupasi per 31 Desember 2014 Table 1.7 Earthquake Event in 2014 and Claim per Occupation as at 31 December 2014 Okupasi Occupation Kejadian Event Tanggal Kejadian Date of Loss Frekwensi Frequency Agrikultural / Komersial / Industrial / Residensial / Agricultural Commercial Industrial Residential Jumlah (Dalam Rupiah) Amount (In Rupiah) Agrikultural / Komersial / Industrial / Residensial / Agricultural Commercial Industrial Residential Cilacap 25-Jan ,698,40 Palu 23-Feb ,000,00 Lombok Utara 06-Mar ,900,00 Kuta 09-Mar ,745, Yogya 02-Apr ,90 Tabel di bawah ini adalah daftar klaim terbesar sampai dengan tanggal 31 Desember The table below is a list of the largest claims as at 31 December Daftar Klaim - Klaim Terbesar Posisi 31 Desember 2014 List of The Largest Claims as at 31 December 2014 No. Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Klaim Event Date of Loss Magnitude (S.R) Claim Dalam Rupiah In Rupiah 1 ACEH ,649,961, YOGYA ,635,542, PADANG ,224,113, BENGKULU ,044,007, PADANG ,782,942, TASIKMALAYA ,400,937, PARIAMAN ,082,395,841, BIMA ,046,593, MERAPI *) 27,499,741, KELUD *) 113,296,619, *) Penyebab terkait letusan gunung berapi Caused by volcanic eruption 7

20 Tabel 1.8 menyajikan data jumlah polis dan loss ratio per 31 Desember 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 Table 1.8 shows number of policies, and loss ratio as at 31 December 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 Gunung Kelud tahun 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 *) Loss Ratio ,219 2,116,693,759, ,374,428, % ,036 2,814,191,973, ,163,447, % ,396 2,641,566,261, ,019,759, % ,912 4,251,608,321, ,608,433, % ,228 2,363,311,323, ,745, % Keterangan : *) Dalam Rupiah In Rupiah Tabel 1.9 menyajikan Premi dan Exposure per 31 Desember Table 1.9 shows Premium and Exposure as at 31 December Tabel 1.9 Premi dan Exposure per 31 Desember 2014 Table 1.9 Premium and Exposure as at 31 December 2014 Premi Underwriting Year Premium Dalam Jutaan Rupiah In Million Rupiah Exposure Exposure ,116, ,671,531, ,814, ,149,425, ,641, ,929,142, ,251, ,604,084, ,363, ,526,171, T O T A L 14,187, ,880,355,

21 National Aggregate Exposure By Cresta Zone As At 31/12/2014 Table 2.1 in IDR U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 Cresta Zone Amount % Amount % Amount % Amount % Amount % A ACEH 1.1 3,495,880,799, ,608,961,565, ,839,464,940, ,665,592,442, ,126,659, MEDAN ,898,396,544, ,286,082,698, ,486,266,999, ,983,258,003, ,150,189,501, OTHERS ,106,683,411, ,737,449,809, ,063,044,376, ,326,588,501, ,216,057,689, NORTH SUMATERA 1 109,500,960,755, ,632,494,073, ,388,776,316, ,975,438,948, ,113,373,850, PADANG ,588,234,582, ,954,303,293, ,413,272,574, ,972,111,977, ,837,508,457, PALEMBANG ,439,045,202, ,166,152,211, ,870,617,822, ,982,972,756, ,454,938,402, OTHERS ,872,725,908, ,456,097,403, ,030,678,302, ,971,445,809, ,230,996,531, SOUTH SUMATERA 2 136,900,005,694, ,576,552,908, ,314,568,699, ,926,530,542, ,523,443,391, JAKARTA ,824,691,069, ,405,939,083, ,765,147,964, ,489,535,629, ,181,355,824, UNG 3.2 5,935,570,412, ,780,310,055, ,941,947,640, ,391,119,387, ,445,772,680, OTHERS ,855,470,316, ,131,852,895, ,590,279,350, ,990,904,256, ,943,502,962, WEST JAVA 3 912,615,731,798, ,076,318,102,034, ,064,297,374,955, ,417,871,559,273, ,570,631,467, SEMARANG ,367,214,200, ,547,169,388, ,042,365,865, ,660,481,653, ,010,949,930, YOGYAKARTA 4.2 9,031,049,769, ,227,924,407, ,214,124,746, ,519,214,571, ,744,520,750, OTHERS ,368,748,605, ,804,919,938, ,402,508,562, ,253,007,746, ,858,499,143, CENTRAL JAVA 4 78,767,012,575, ,580,013,734, ,658,999,174, ,432,703,971, ,613,969,824, SURABAYA ,847,522,591, ,137,349,483, ,392,948,947, ,274,677,177, ,313,882,279, OTHERS ,491,747,050, ,945,414,856, ,924,031,786, ,276,137,710, ,116,529,368, EAST JAVA 5 246,339,269,641, ,082,764,339, ,316,980,734, ,550,814,888, ,430,411,647, KALIMANTAN 6 78,288,008,445, ,839,704,752, ,257,693,194, ,158,412,345, ,890,454,994, UJUNG PANDANG 7.1 8,852,259,330, ,441,385,729, ,377,976,525, ,057,441,851, ,172,475,875, OTHERS ,758,451,376, ,647,999,896, ,499,207,781, ,542,467,976, ,273,334,186, SULAWESI 7 59,610,710,707, ,089,385,626, ,877,184,306, ,599,909,827, ,445,810,061, OTHER ISLANDS 8 49,510,010,659, ,306,297,043, ,031,138,032, ,569,251,609, ,583,339,920, T O T A L 1,671,531,710,277, ,149,425,314,512, ,929,142,715,414, ,604,084,621,406, ,526,171,435,158,

22 National Aggregate Exposure By Cresta Zone As at 31 December 2014 (In Billion IDR) 78, , , , , , , , ,064, , , , , ,076, , , , , , , , UY , UY , , UY , , , , , , , , ,417, , , , , , , , UY 2013 UY

23 National Aggregate Exposure By Occupation As At 31/12/2014 Table 2.2 in IDR Occupation U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 17,593,981,439, ,170,306,793, ,543,592,772, ,850,470,360, ,812,265,396, COMMERCIAL C 314,262,201,730, ,353,550,582, ,450,164,139, ,861,138,961, ,332,897,241, INDUSTRIAL I 1,067,155,494,792, ,358,413,291,954, ,225,796,552,609, ,315,566,653,822, ,931,736,706, RESIDENTIAL R 272,520,032,314, ,488,165,181, ,352,405,894, ,806,358,262, ,094,535,812, T O T A L 1,671,531,710,277, ,149,425,314,512, ,929,142,715,414, ,604,084,621,406, ,526,171,435,158,

24 National Aggregate Exposure By Occupation As at 31 December 2014 ( In Billion IDR ) Industrial, 1,225, Industrial, 1,067, Residential, 272, Industrial, 1,358, Commercial, 450, Commercial, 314, Agricultural, 17, Commercial, 538, Agricultural, 23, Residential, 229, UY 2010 Residential, 232, UY 2012 Agricultural, 20, Industrial, 1,315, UY 2011 Residential, 316, Commercial, 403, Industrial, 856, Commercial, 945, Agricultural, 25, Residential, 251, Agricultural, 14, UY 2013 UY

25 National Aggregate Exposure By Interest As At 31/12/2014 Table 2.3 In IDR Interest U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 Amount % Amount % Amount % Amount % Amount % Building 766,244,399,165, ,903,776,514, ,671,573,282, ,699,042,667, ,979,067,115, Machinery 374,087,886,901, ,864,434,206, ,698,576,474, ,285,867,220, ,397,101,148, Others 183,172,234,683, ,262,457,503, ,886,671,768, ,732,521,202, ,298,761,582, Stock 217,174,294,649, ,344,420,668, ,199,517,743, ,388,546,667, ,899,531,602, Bussiness Interruption 130,852,894,878, ,050,225,619, ,686,376,144, ,978,643,648, ,596,973,709, T O T A L 1,671,531,710,277, ,149,425,314,512, ,929,142,715,414, ,604,084,621,406, ,526,171,435,158,

26 14

27 National Aggregate Exposure By Province As At 31/12/2014 Table 2.4 In IDR U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 Province Amount % Amount % Amount % Amount % Amount % 01. NAD 46,014,656,466, ,526,298,867, ,231,868,689, ,088,497,478, ,911,968,873, SUMATERA UTARA 63,486,304,289, ,106,195,205, ,156,907,626, ,886,941,469, ,201,404,976, SUMATERA BARAT 22,408,712,992, ,100,967,279, ,414,100,677, ,975,173,829, ,479,627,030, RIAU 32,775,423,381, ,792,656,469, ,313,694,594, ,642,572,184, ,824,102,387, JAMBI 5,229,365,051, ,126,179,638, ,895,449,767, ,906,819,720, ,970,659,568, SUMATERA SELATAN 37,898,109,822, ,246,924,977, ,588,870,108, ,546,157,693, ,432,385,891, BENGKULU 3,089,196,866, ,060,673,197, ,429,108,259, ,859,327,088, ,688,111,589, LAMPUNG 16,664,884,556, ,534,812,464, ,246,801,199, ,667,366,382, ,988,064,135, KEP BANGKA-BELITUNG 3,336,058,201, ,041,959,885, ,769,483,222, ,502,325,263, ,703,824,000, KEPULAUAN RIAU 15,498,254,822, ,672,378,996, ,657,060,869, ,826,788,381, ,436,668,787, JAKARTA 304,824,691,069, ,405,939,083, ,765,147,964, ,489,535,629, ,181,355,824, JAWA BARAT 395,856,887,033, ,940,521,827, ,178,872,106, ,292,830,823, ,647,613,053, JAWA TENGAH 68,286,066,186, ,725,177,084, ,225,982,919, ,005,766,651, ,473,330,658, DIY 10,480,946,388, ,854,836,649, ,433,016,255, ,426,937,319, ,140,639,166, JAWA TIMUR 246,339,269,641, ,082,764,339, ,316,980,734, ,550,814,888, ,430,411,647, BANTEN 211,934,153,695, ,971,641,123, ,353,354,884, ,089,192,820, ,741,662,589, BALI 39,388,712,490, ,282,480,532, ,121,527,638, ,582,088,814, ,467,238,201, NUSA TENGGARA BARAT 2,915,151,771, ,077,047,054, ,827,061,635, ,519,786,644, ,277,755,878, NUSA TENGGARA TIMUR 862,786,991, ,617,483,032, ,109,046,479, ,752,041,709, ,690,901,964, KALIMANTAN BARAT 4,184,375,704, ,929,074,391, ,287,064,336, ,058,602,953, ,816,537,077, KALIMANTAN TENGAH 11,726,628,849, ,214,732,033, ,779,392,838, ,307,987,814, ,705,388,836, KALIMANTAN SELATAN 14,511,411,705, ,151,320,447, ,602,282,782, ,936,891,817, ,273,301,252, KALIMANTAN TIMUR 47,865,592,184, ,544,577,879, ,588,953,237, ,854,929,759, ,095,227,828, SULAWESI UTARA 8,844,145,995, ,478,391,127, ,170,168,140, ,072,771,025, ,921,249,446, SULAWESI TENGAH 1,344,987,489, ,234,831,075, ,111,441,851, ,181,876,369, ,608,915,338, SULAWESI SELATAN 16,571,176,175, ,508,942,520, ,714,572,472, ,545,073,710, ,635,816,919, SULAWESI TENGGARA 18,974,413,466, ,114,245,475, ,730,700,947, ,513,553,072, ,516,477,744, GORONTALO 12,013,589,166, ,799,959,249, ,030,869,267, ,999,735,606, ,107,217, SULAWESI BARAT 1,862,398,413, ,016,177, ,119,431,627, ,286,900,043, ,974,243,395, MALUKU 959,192,107, ,012,162,473, ,293,638,879, ,835,472,975, ,503,672,083, MALUKU UTARA 431,793,359, ,594,466, ,592,023, ,597,259, ,371,476, PAPUA BARAT 1,739,199,010, ,191,055,888, ,235,431,707, ,592,512,943, ,940,013,974, PAPUA 3,213,174,930, ,526,473,596, ,605,839,668, ,750,751,263, ,183,386,341, T O T A L 1,671,531,710,277, ,149,425,314,512, ,929,142,715,414, ,604,084,621,406, ,526,171,435,158,

28 National Gross Premium By Cresta Zone As At 31/12/2014 Table 3.1 in IDR U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 Cresta Zone Amount % Amount % Amount % Amount % Amount % A ACEH 1.1 6,051,202, ,255,283, ,248,598, ,881,676, ,438,293, MEDAN ,673,497, ,391,678, ,057,405, ,019,613, ,370,129, OTHERS ,285,242, ,337,261, ,565,709, ,489,213, ,010,826, NORTH SUMATERA 1 138,009,941, ,984,223, ,871,713, ,390,503, ,819,250, PADANG ,778,827, ,722,664, ,706,692, ,978,390, ,179,737, PALEMBANG ,383,104, ,170,019, ,638,821, ,274,700, ,694,455, OTHERS ,788,602, ,325,771, ,394,230, ,101,128, ,923,243, SOUTH SUMATERA 2 160,950,534, ,218,455, ,739,744, ,354,219, ,797,435, JAKARTA ,910,542, ,669,520, ,612,860, ,994,679, ,305,245, UNG 3.2 8,241,042, ,916,805, ,343,625, ,183,329, ,965,568, OTHERS ,644,398, ,535,780, ,567,888, ,665,264,469, ,491,284, WEST JAVA 3 1,220,795,982, ,513,122,106, ,565,524,374, ,379,442,478, ,389,762,098, SEMARANG ,636,480, ,986,696, ,736,950, ,985,037, ,576,763, YOGYAKARTA ,009,093, ,336,936, ,028,296, ,248,795, ,798,792, OTHERS ,914,369, ,322,144, ,178,167, ,914,181, ,480,793, CENTRAL JAVA 4 96,559,942, ,645,777, ,943,414, ,148,013, ,856,349, SURABAYA ,164,194, ,500,306, ,169,506, ,726,873, ,121,940, OTHERS ,300,322, ,993,980, ,493,110, ,674,754, ,418,198, EAST JAVA 5 286,464,517, ,494,287, ,662,617, ,401,628, ,540,138, KALIMANTAN 6 68,410,654, ,391,973, ,636,972, ,971,396, ,437,567, UJUNG PANDANG 7.1 8,854,097, ,478,927, ,912,216, ,162,655, ,077,821, OTHERS ,259,874, ,696,626, ,503,962, ,104,736, ,512,678, SULAWESI 7 76,113,971, ,175,554, ,416,178, ,267,391, ,590,500, OTHER ISLANDS 8 69,388,214, ,159,595, ,771,246, ,632,690, ,507,982, T O T A L 2,116,693,759, ,814,191,973, ,641,566,261, ,251,608,321, ,363,311,323,

29 National Gross Premium By Cresta Zone As at 31 December 2014 (in Billion IDR) , , , UY UY 2012 UY North Sumatera South Sumatera West Java , , Central Java East Java Kalimantan Sulawesi Other Islands UY 2013 UY

30 National Gross Premium By Occupation As At 31/12/2014 Table 3.2 in IDR Occupation U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 20,828,909, ,897,315, ,419,229, ,876,464, ,675,258, COMMERCIAL C 434,837,251, ,839,421, ,472,639, ,716,969,212, ,524,056, INDUSTRIAL I 1,297,834,004, ,697,040,240, ,624,899,675, ,026,598,041, ,321,090,215, RESIDENTIAL R 363,193,593, ,414,996, ,774,717, ,164,601, ,021,793, T O T A L 2,116,693,759, ,814,191,973, ,641,566,261, ,251,608,321, ,363,311,323,

31 National Aggregate Exposure By Occupation As at 31 December 2014 ( In Billion IDR ) Industrial, 1,225, Industrial, 1,067, Residential, 272, Industrial, 1,358, Commercial, 450, Commercial, 314, Agricultural, 17, Commercial, 538, Agricultural, 23, Residential, 229, UY 2010 Residential, 232, UY 2012 Agricultural, 20, Industrial, 1,315, UY 2011 Residential, 316, Commercial, 403, Industrial, 856, Commercial, 945, Agricultural, 25, Residential, 251, Agricultural, 14, UY 2013 UY

32 National Gross Premium By Province As At 31/12/2014 Table 3.3 In IDR Province U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 Amount % Amount % Amount % Amount % Amount % 01. NAD 61,933,427, ,272,745, ,322,756, ,212,999, ,091,341, SUMATERA UTARA 76,076,514, ,711,477, ,548,956, ,177,503, ,727,909, SUMATERA BARAT 39,338,010, ,326,642, ,371,801, ,412,946, ,337,331, RIAU 33,033,443, ,916,965, ,217,466, ,756,882, ,736,850, JAMBI 5,242,221, ,938,259, ,791,807, ,343,542, ,807,811, SUMATERA SELATAN 39,281,214, ,091,594, ,225,257, ,975,548, ,216,851, BENGKULU 5,473,349, ,256,169, ,237,837, ,804,776, ,196,899, LAMPUNG 22,692,710, ,249,898, ,905,132, ,214,958, ,220,233, KEP BANGKA-BELITUNG 2,953,443, ,654,439, ,394,693, ,376,254, ,645,316, KEPULAUAN RIAU 12,936,141, ,784,485, ,595,747, ,469,310, ,636,141, JAKARTA 433,910,542, ,669,520, ,612,860, ,994,679, ,305,245, JAWA BARAT 504,454,579, ,775,612, ,202,133, ,205,838,311, ,618,351, JAWA TENGAH 81,521,601, ,888,826, ,607,366, ,465,060, ,390,538, DIY 15,038,341, ,756,951, ,336,047, ,682,952, ,465,810, JAWA TIMUR 286,464,517, ,494,287, ,662,617, ,401,628, ,540,138, BANTEN 282,430,861, ,676,973, ,709,380, ,609,487, ,838,501, BALI 54,063,520, ,357,067, ,961,917, ,785,893, ,210,871, NUSA TENGGARA BARAT 4,440,906, ,152,954, ,071,006, ,802,969, ,630,709, NUSA TENGGARA TIMUR 1,281,077, ,433,951, ,238,797, ,812,496, ,843,895, KALIMANTAN BARAT 3,715,242, ,039,986, ,583,831, ,801,543, ,862,944, KALIMANTAN TENGAH 9,889,548, ,262,245, ,661,044, ,958,489, ,515,051, KALIMANTAN SELATAN 12,861,818, ,762,331, ,295,154, ,315,778, ,567,430, KALIMANTAN TIMUR 41,944,044, ,327,410, ,096,941, ,895,584, ,492,141, SULAWESI UTARA 14,764,191, ,732,408, ,970,212, ,959,504, ,490,377, SULAWESI TENGAH 2,004,618, ,453,309, ,324,143, ,862,013, ,281,219, SULAWESI SELATAN 17,199,396, ,634,050, ,699,734, ,412,649, ,672,045, SULAWESI TENGGARA 21,176,342, ,519,505, ,914,673, ,269,405, ,118,283, GORONTALO 18,303,446, ,429,749, ,830,875, ,836,338, ,566,477, SULAWESI BARAT 2,665,975, ,406,530, ,676,539, ,927,480, ,462,096, MALUKU 1,748,451, ,761,141, ,358,964, ,456,936, ,912,579, MALUKU UTARA 736,016, ,055,956, ,479,457, ,033,934, ,939, PAPUA BARAT 2,543,602, ,177,814, ,823,778, ,192,732, ,250,714, PAPUA 4,574,638, ,220,709, ,837,324, ,547,727, ,671,272, T O T A L 2,116,693,759, ,814,191,973, ,641,566,261, ,251,608,321, ,363,311,323,

33 Number Of Risk By Cresta Zone As At 31/12/2014 Table 4.1 Cresta Zone U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 A ACEH MEDAN 1.2 5,664 5,776 6,000 6,564 5,440 OTHERS 1.3 5,148 4,491 4,654 3,898 3,001 NORTH SUMATERA 1 11,446 10,784 11,241 11,064 8,828 PADANG 2.1 8,363 9,866 10,573 10,631 9,867 PALEMBANG 2.2 1,613 1,442 1,532 1,861 1,202 OTHERS ,028 16,559 17,370 17,784 13,179 SOUTH SUMATERA 2 27,004 27,867 29,475 30,276 24,248 JAKARTA ,156 38,644 36,232 47,445 34,295 UNG 3.2 1,684 1,146 1,986 2,122 1,183 OTHERS ,731 34,083 36,673 38,531 28,822 WEST JAVA 3 71,571 73,873 74,891 88,098 64,300 SEMARANG YOGYAKARTA 4.2 2,468 2,155 2,307 2,173 1,903 OTHERS ,540 9,711 10,320 10,446 8,503 CENTRAL JAVA 4 13,387 12,535 13,430 13,533 10,903 SURABAYA 5.1 6,032 6,063 6,180 6,220 4,142 OTHERS 5.2 7,829 7,287 7,798 8,345 5,492 EAST JAVA 5 13,861 13,350 13,978 14,565 9,634 KALIMANTAN 6 7,002 5,726 7,633 7,043 3,676 UJUNG PANDANG 7.1 1,737 1,851 1,914 2,052 1,258 OTHERS 7.2 6,403 7,029 6,197 6,235 3,840 SULAWESI 7 8,140 8,880 8,111 8,287 5,098 OTHER ISLANDS 8 12,167 12,908 14,208 14,791 11,219 T O T A L 164, , , , ,906 21

34 Number of Risk By Cresta Zone As at 31 December ,000 80,000 70,000 60,000 50,000 40,000 UY 2010 UY 2011 UY 2012 UY 2013 UY ,000 20,000 10,000 0 North Sumatera South Sumatera West Java Central Java East Java Kalimantan Sulawesi Other Islands 22

35 Number Of Risk By Occupation As At 31/10/2014 Table 4.2 Occupation U/Y 2010 % U/Y 2011 % U/Y 2012 % U/Y 2013 % U/Y 2014 % AGRICULTURAL A COMMERCIAL C 83, , , , , INDUSTRIAL I 13, , , , , RESIDENTIAL R 67, , , , , T O T A L 164, , , , ,

36 Number of Risk By Occupation As at 31 December 2014 Industrial, 13,867 Agricultural, 420 Residential, 61,096 Residential, 67,179 Commercial, 91,412 Commercial, 83,091 Industrial, 14,995 Industrial, 17,098 Commercial, 94,353 Agricultural, 441 Agricultural, 379 Residential, 59,137 UY 2010 UY 2012 Industrial, 10,516 Commercial, 99,888 Industrial, 18,149 UY 2011 Residential, 65,858 Commercial, 61,308 Residential, 69,139 Agricultural, 481 Agricultural, 224 UY 2013 UY

37 Claim Frequency by Occupation As At 31/12/2014 Table 5.1 Occupation U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 AGRICULTURAL A COMMERCIAL C INDUSTRIAL I RESIDENTIAL R T O T A L

38 Claim Frequency By Occupation As at 31 December Agricultural Commercial Industrial Residential UY 2010 UY 2011 UY 2012 UY 2013 UY

39 Claim Frequency by Cresta Zone As At 31/12/2014 Table 5.2 Cresta Zone U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 A ACEH MEDAN OTHERS NORTH SUMATERA PADANG PALEMBANG OTHERS SOUTH SUMATERA JAKARTA UNG OTHERS WEST JAVA SEMARANG YOGYAKARTA OTHERS CENTRAL JAVA SURABAYA OTHERS EAST JAVA KALIMANTAN UJUNG PANDANG OTHERS SULAWESI OTHER ISLANDS T O T A L

40 Claim Frequency By Cresta Zone As at 31 December North Sumatera South Sumatera West Java Central Java East Java Kalimantan Sulawesi Other Islands UY 2010 UY 2011 UY 2012 UY 2013 UY

41 Claim by Occupation As At 31/12/2014 Table 5.4 In IDR Occupation U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A COMMERCIAL C 42,257,418, ,884,257, ,969,759, ,694,548, ,745, INDUSTRIAL I 760,224, ,821,282, RESIDENTIAL R 356,785, ,190, ,000, ,602, ,000, T O T A L 43,374,428, ,163,447, ,019,759, ,608,433, ,745,

42 Commercial 97.42% Claim By Occupation As at 31 December 2014 Commercial 97.52% Commercial 97.70% Residential 0.82% Agricultural % Industrial 1.75% Industrial % Residential 2.48% Agricultural % UY 2010 Industrial % Residential 2.30% Agricultural % UY 2012 Commercial 99.40% UY 2011 Industrial % Commercial 38.70% Residential 61.30% Industrial 0.57% Agricultural Residential 0.03% % Agricultural % UY 2013 UY

43 Claim by Cresta Zone As At 31/12/2014 Table 5.5 In IDR Cresta Zone U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 Amount % Amount % Amount % Amount % Amount % A ACEH ,965, ,583,593, ,430,714, ,000, MEDAN ,388, ,659, ,936, OTHERS ,240, ,435, NORTH SUMATERA 1 619,594, ,850,689, ,445,651, ,000, PADANG ,390, PALEMBANG 2.2 OTHERS 2.3 1,260,841, ,000, ,997, SOUTH SUMATERA 2 1,290,231, ,000, ,997, JAKARTA 3.1 2,508, UNG ,353, ,511, OTHERS ,327, ,100, ,438, WEST JAVA 3 39,835, ,453, ,438, ,511, SEMARANG 4.1 YOGYAKARTA ,362,493,60 7 1,821,193, OTHERS 4.3 4,034,914, ,644,278, CENTRAL JAVA 4 34,397,408, ,465,471, SURABAYA 5.1 OTHERS ,008, ,009,247, ,000, EAST JAVA 5 46,008, ,009,247, ,000, KALIMANTAN 6 UJUNG PANDANG ,224, OTHERS ,491, ,662, ,159, ,000, SULAWESI 7 850,716, ,662, ,159, ,000, OTHER ISLANDS 8 7,420,865, ,941,410, ,510, ,205, ,745, T O T A L 43,374,428, ,163,447, ,019,759, ,608,433, ,745,

44 Claim By Cresta Zone As at 31 December 2014 ( In Million IDR ) Central Java, 34, East Java, Kalimantan, Sulawesi, North Sumatera, 7, South Sumatera, 1, North Sumatera, 1, South Sumatera, 5 West Java, South Sumatera, North Sumatera, Other Islands, 7, Central Java, West Java, East Java, Kalimantan, Sulawesi, 6.66 Other Islands, Sulawesi, West Java, Central Java, East Java, Kalimantan, UY 2010 Other Islands, 2, UY 2012 UY 2011 East Java, 18 Central Java, 39, East Java, 280, West Java, - South Sumatera, - North Sumatera, - West Java, South Sumatera, 4.00 North Sumatera, Other Islands, Sulawesi, 5 Kalimantan, UY 2013 Other Islands, Central Java, - Sulawesi, - Kalimantan, - UY

45 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : OCCUPATION :ALL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,77 79, , , , , , , , , , , , , , , , , , , , , , , , ,00 67, , , , , ,00 1,50 71, , , , , , ,50 2,00 38,74 643, , , , , ,00 2,50 24, , , , , ,50 3,00 18, , , , , , ,00 4,00 23, , , , , , ,00 5,00 16, , , , , ,00 7,50 22, , , ,048, , , ,50 10,00 14, , , ,233, , , ,00 20,00 23,07 787, , ,700, , , ,00 50,00 19,55 806, , ,571, , , ,00 100,00 9, , , ,518, , , ,00 500,00 9, , ,869, ,387, , , ,00 UP 2, , ,799, ,187, , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 33

46 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2014 OCCUPATION : ALL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , ,00 10, , , , ,00 1,50 10, , , , ,50 2,00 7,27 105, , , ,00 2,50 4, , , , ,50 3,00 3,48 112, , , ,00 4,00 4, , , , ,00 5,00 2,98 120, , , ,00 7,50 3, , , , ,50 10,00 2, , , , ,00 20,00 3, , , , ,00 50,00 3,35 133, , , ,00 100,00 1, , , , ,00 500,00 1,77 137, , ,171, ,00 UP , ,192, ,363, (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 34

47 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2013 OCCUPATION : ALL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , ,00 14, , , , , ,00 1,50 19, , , , , , ,50 2,00 9,56 141, , , , , ,00 2,50 5, , , , , ,50 3,00 4, , , , , ,00 4,00 5,71 157, , , , , ,00 5,00 4, , , , , ,00 7,50 5, , , , , ,50 10,00 3, , , , , , ,00 20,00 5, , , , , , ,00 50,00 4, , , , , ,00 100,00 2, , , , , , ,00 500,00 2, , , ,651, , , ,00 UP , ,600, ,251, , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 35

48 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2012 OCCUPATION : ALL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , ,00 13, , , , ,00 1,50 16,12 126, , , ,50 2,00 7, , , , ,00 2,50 4, , , , ,50 3,00 3, , , , ,00 4,00 4, , , , ,00 5,00 3, , , , ,00 7,50 4, , , , , ,50 10,00 3, , , , , ,00 20,00 4, , , , , ,00 50,00 4, , , , , ,00 100,00 2,05 170, , , , ,00 500,00 2, , , ,324, , ,00 UP , ,317, ,641, , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 36

49 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2011 OCCUPATION : ALL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , ,00 13, , , , ,00 1,50 13, , , , ,50 2,00 7,37 129, , , ,00 2,50 4, , , , , ,50 3,00 3, , , , , ,00 4,00 4, , , , , ,00 5,00 3, , , , , ,00 7,50 4, , , , , ,50 10,00 2, , , , , ,00 20,00 4, , , , , ,00 50,00 3, , , , , , ,00 100,00 1,80 163, , , , ,00 500,00 1, , , ,207, , , ,00 UP , ,606, ,814, , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 37

50 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR :2010 OCCUPATION :ALL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , , , , , , , , , , , , , , , , , , ,94 101, , , ,00 14, , , , ,00 1,50 10, , , , ,50 2,00 6, , , , , ,00 2,50 4, , , , , ,50 3,00 3, , , , , ,00 4,00 3, , , , , ,00 5,00 2,80 147, , , , ,00 7,50 3, , , , , ,50 10,00 2, , , , , ,00 20,00 3, , , , , ,00 50,00 3,35 160, , , , ,00 100,00 1, , , , , ,00 500,00 1, , , ,033, , , ,00 UP , ,083, ,116, , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 38

51 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2014 OCCUPATION : AGRICULTURAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , ,00 1, ,50 2, ,00 2, ,50 3, ,00 4, ,00 5, ,00 7, ,50 10, ,00 20, ,00 50, , , ,00 100, , , ,00 500, , , ,00 UP , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 39

52 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2014 OCCUPATION : COMMERCIAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) 1 5 4, , , , , , , , ,84 17, , , , , , , , , , , ,00 5, , , , ,00 1,50 5, , , , ,50 2,00 3, , , , ,00 2,50 2, , , , ,50 3,00 1, , , , ,00 4,00 2, , , , ,00 5,00 1, , , , ,00 7,50 2, , , , ,50 10,00 1, , , , ,00 20,00 2, , , , ,00 50,00 1, , , , ,00 100, , , , ,00 500, , , , ,00 UP , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 40

53 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2014 OCCUPATION : INDUSTRIAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , , , , , , , ,00 1, , , , ,50 2, , , , ,00 2, , , , ,50 3, , , , ,00 4, , , , ,00 5, , , , ,00 7, , , , ,50 10, , , , ,00 20,00 1, , , , ,00 50,00 1, , , , ,00 100, , , , ,00 500, , , , ,00 UP 30 10, , ,321, (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 41

54 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2014 OCCUPATION : RESIDENTIAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) 1 5 5, , , , , ,21 20, , , , , , , , , , , , , , , ,00 5, , , , ,00 1,50 5, , , , ,50 2,00 2, , , , ,00 2,50 1, , , , ,50 3,00 1, , , , ,00 4,00 1, , , , ,00 5, , , , ,00 7,50 1, , , , ,50 10, , , , ,00 20, , , , ,00 50, , , , ,00 100, , , , ,00 500, , , , ,00 UP , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 42

55 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2013 OCCUPATION : AGRICULTURAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , ,00 1, ,50 2, ,00 2, ,50 3, ,00 4, ,00 5, ,00 7, ,50 10, , ,00 20, , ,00 50, , , ,00 100, , , ,00 500, , , ,00 UP , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 43

56 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2013 OCCUPATION : COMMERCIAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) 1 5 8, , , , , , , , , , , , , , , , , , , , , , ,00 8, , , , , ,00 1,50 13, , , , , , ,50 2,00 5, , , , , , ,00 2,50 3, , , , , ,50 3,00 2, , , , , ,00 4,00 2, , , , , , ,00 5,00 2, , , , , ,00 7,50 2, , , , , ,50 10,00 1, , , , , ,00 20,00 2, , , , , , ,00 50,00 2, , , , , ,00 100, , , , , , ,00 500, , , , , , ,00 UP , ,108, ,716, , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 44

57 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2013 OCCUPATION : INDUSTRIAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) 1 5 1, , , , , , , , , , , ,00 1,50 1, , , , ,50 2, , , , ,00 2, , , , ,50 3, , , , ,00 4, , , , ,00 5, , , , ,00 7,50 1, , , , ,50 10, , , , ,60 1, ,00 20,00 1, , , , , ,00 50,00 1,79 15, , , , ,00 100,00 1, , , , , ,00 500,00 1, , , , , ,00 UP 47 18, ,332, ,026, , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 45

58 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2013 OCCUPATION : RESIDENTIAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) 1 5 5, , , , , , , , , , , , , , , , , , , , ,00 5,34 48, , , ,00 1,50 5, , , , ,50 2,00 3, , , , ,00 2,50 2, , , , ,50 3,00 1, , , , ,00 4,00 1, , , , ,00 5,00 1, , , , ,00 7,50 1, , , , ,50 10, , , , ,00 20,00 1, , , , ,00 50, , , , ,00 100, , , , ,00 500, , , , ,00 UP , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 46

59 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2012 OCCUPATION : AGRICULTURAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , ,00 1, ,50 2, ,00 2, ,50 3, ,00 4, ,00 5, ,00 7, ,50 10, ,00 20, , ,00 50, , , ,00 100, , , ,00 500, , , ,00 UP , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 47

60 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2012 OCCUPATION : COMMERCIAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , ,00 8, , , , ,00 1,50 10, , , , ,50 2,00 4, , , , ,00 2,50 2, , , , ,50 3,00 2,11 80, , , ,00 4,00 2, , , , ,00 5,00 1, , , , ,00 7,50 2, , , , , ,50 10,00 1, , , , , ,00 20,00 2, , , , , ,00 50,00 1, , , , , ,00 100, , , , , ,00 500, , , , , ,00 UP , , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 48

61 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2012 OCCUPATION : INDUSTRIAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , , , , , , , , , , ,00 1,50 1, , , , ,50 2, , , , ,00 2, , , , ,50 3, , , , ,00 4, , , , ,00 5, , , , ,00 7,50 1, , , , ,50 10, , , , ,00 20,00 1, , , , ,00 50,00 1, , , , ,00 100,00 1, , , , ,00 500,00 1, , , , ,00 UP , ,035, ,624, (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 49

62 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2012 OCCUPATION : RESIDENTIAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) 1 5 5, , , , , , , , , , , , , , , , , , , , ,00 4, , , , ,00 1,50 4, , , , ,50 2,00 2, , , , ,00 2,50 1, , , , ,50 3,00 1, , , , ,00 4,00 1, , , , ,00 5, , , , ,00 7,50 1, , , , ,50 10, , , , ,00 20, , , , ,00 50, , , , ,00 100, , , , ,00 500, , , , ,00 UP , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 50

63 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2011 OCCUPATION : AGRICULTURAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , ,00 1, ,50 2, ,00 2, ,50 3, ,00 4, ,00 5, ,00 7, ,50 10, ,00 20, , ,00 50, , , ,00 100, , , ,00 500, , , ,00 UP , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 51

64 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2011 OCCUPATION : COMMERCIAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , , , , , ,53 30, , , , , , , , , , , ,70 52, , , ,00 8, , , , ,00 1,50 8, , , , ,50 2,00 4, , , , ,00 2,50 2, , , , ,50 3,00 1, , , , , ,00 4,00 2, , , , , ,00 5,00 1, , , , , ,00 7,50 2, , , , , ,50 10,00 1, , , , , ,00 20,00 2, , , , , ,00 50,00 1,68 90, , , , , ,00 100, , , , , ,00 500, , , , , , ,00 UP , , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 52

65 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2011 OCCUPATION : INDUSTRIAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , , , , , , , , ,00 1, , , , ,50 2, , , , ,00 2, , , , ,50 3, , , , ,00 4, , , , ,00 5, , , , ,00 7, , , , ,50 10, , , , ,00 20,00 1, , , , ,00 50,00 1, , , , ,00 100, , , , ,00 500,00 1, , , , ,00 UP , ,152, ,697, (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 53

66 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR : 2011 OCCUPATION : RESIDENTIAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) 1 5 3, , , , , , , , , , , , , , , , , , , , ,00 4, , , , ,00 1,50 4, , , , ,50 2,00 2, , , , ,00 2,50 1, , , , ,50 3,00 1, , , , ,00 4,00 1, , , , ,00 5, , , , ,00 7,50 1, , , , ,50 10, , , , ,00 20, , , , ,00 50, , , , ,00 100, , , , ,00 500, , , , ,00 UP , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 54

67 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR :2010 OCCUPATION :AGRICULTURAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , ,00 1, ,50 2, ,00 2, ,50 3, ,00 4, ,00 5, ,00 7, ,50 10, ,00 20, , ,00 50, , , ,00 100, , , ,00 500, , , ,00 UP , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 55

68 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR :2010 OCCUPATION :AGRICULTURAL :COMMERCIAL PROCESSING DATE 28/01/2015 SUM INSURED () GROSS PREMIUM INCURED CLAIM NUMBER OF RISK (In Rp) CLAIM FREQUENCY (in million Rp) (In million Rp) (In (In million million Rp) Rp) LOSS LOSS RATIO RATIO Rp F rp Rp f F FROM TO f (d) rp (h) f rp Rp (p) (l) rp Rp (p) (d) (f) (h) (i)/ (i) (j) (l) (d)/ (d) (f) (i)/ (i) (j) (m)/ (m) (n) (q)/ (q) ('r) (p)/(h) q/i (m)/ (m) (n) (q)/ (q) ('r) (p)/(h) q/i (a) (b) (c) (d) (d) (e) (e) (f) (f) (g) (g) (h) (h) (i) (i) (j) (j) (k) (k) (l) (l) (m) (m) (n) (n) (o) (o) (p) (p) (q) (q) (r) (r) (s) (s) (t) (t) (u) (u) , , , , , , , , , , , , , , , , , , , , , , ,00 1 8, , , , ,00 1,50 1,00 1, , , , , ,50 2,00 1,50 2, , , , , ,00 2,50 2,00 2, , , , , ,50 3,00 2,50 3, , , , , , ,00 4,00 3,00 4, , , , , , ,00 5,00 4,00 5, , , , , , ,00 7,50 5,00 7, , , , , , ,50 10,00 7,50 10, , , , , , ,00 20,00 10,00 20, , , , , , , ,00 50, , , ,00 50,00 1, , , , , ,00 100, , , ,00 100, , , , , ,00 500, , , ,00 500, , , , , , ,00 UP , , ,00 UP , , , , ,

69 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR :2010 OCCUPATION :INDUSTRIAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , , , , , , , , ,00 1, , , , ,50 2, , , , ,00 2, , , , ,50 3, , , , ,00 4, , , , ,00 5, , , , ,00 7, , , , ,50 10, , , , ,00 20,00 1, , , , ,00 50,00 1, , , , ,00 100, , , , ,00 500,00 1, , , , ,00 UP , , ,297, (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 57

70 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 31/12/2014 UNDERWRTING YEAR :2010 OCCUPATION :RESIDENTIAL PROCESSING DATE 28/01/2015 SUM INSURED () (in million Rp) FROM TO f NUMBER OF RISK F (d) (d)/ (d) (f) rp GROSS PREMIUM (In million Rp) Rp (h) (i)/ (i) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) 1 5 5,89 5, , , , , , , , , , , , , , , , , , , , ,00 5, , , , ,00 1,50 3, , , , ,50 2,00 2, , , , ,00 2,50 1, , , , ,50 3,00 1, , , , ,00 4,00 1, , , , ,00 5, , , , ,00 7, , , , ,50 10, , , , ,00 20, , , , ,00 50, , , , ,00 100, , , , ,00 500, , , , ,00 UP , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) INCURED CLAIM (In million Rp) rp Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 58

71 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 31/12/2014 UNDERWRITING YEAR : 2010 PROCESSING DATE : POLICY STATUS : A;C;E;N;R 27/01/2015 In IDR CRESTA ZONE NATIONAL AGGREGAT EXPOSURE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY Amount % Amount % Amount % Amount % Amount % A ACEH 1.1 3,495,880,799, ,051,202, ,965, MEDAN ,898,396,544, ,673,497, , ,388, OTHERS ,106,683,411, ,285,242, , ,240, NORTH SUMATERA 1 109,500,960,755, ,009,941, , ,594, PADANG ,588,234,582, ,778,827, , PALEMBANG ,439,045,202, ,383,104, PT. Reasuransi MAIPARK Indonesia 1, OTHERS ,872,725,908, ,788,602, , SOUTH SUMATERA 2 136,900,005,694, ,950,534, , JAKARTA NATIONAL ,824,691,069, AGGREGAT EXPOSURE, NATIONAL GROSS 433,910,542, PREMIUM, NUMBER OF RISKS, CLAIM 35,156& CLAIM FREQUENCY 2,508,00 BY OCCUPATION UNG 3.2 5,935,570,412, ,241,042, As At 31/12/ , UNDERWRITING OTHERS YEAR 3.3 : ,855,470,316, ,644,398, , ,327, PROCESSING DATE 1: 27/01/ POLICY WEST JAVA STATUS 3 : A;C;E;N;R 912,615,731,798, ,220,795,982, , ,835, In IDR SEMARANG ,367,214,200, ,636,480, YOGYAKARTA 4.2 9,031,049,769, NATIONAL AGGREGATE ,009,093, , ,362,493, NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY OTHERSOCCUPATION ,368,748,605, EXPOSURE ,914,369, , ,034,914, CENTRAL JAVA 4 78,767,012,575, Amount % 4.71 Amount 96,559,942, % 4.56 Amount 13,387 % ,397,408, Amount % Amount % AGRICULTURAL SURABAYA 5.1 A 17,593,981,439, ,847,522,591, ,828,909, ,164,194, , COMMERCIAL OTHERS 5.2 C 314,262,201,730, ,491,747,050, ,837,251, ,300,322, , , ,257,418, ,008, INDUSTRIAL EAST JAVA 5 I 1,067,155,494,792,59 246,339,269,641, ,297,834,004, ,464,517, , , ,224, ,008, RESIDENTIAL KALIMANTAN 6 R 272,520,032,314, ,288,008,445, ,193,593, ,410,654, , , ,785, T O T A L UJUNG PANDANG 7.1 1,671,531,710,277,35 8,852,259,330, ,116,693,759, ,854,097, , , ,374,428, ,224, OTHERS ,758,451,376, ,259,874, , ,491, SULAWESI 7 59,610,710,707, ,113,971, , ,716, OTHERS 8 49,510,010,659, ,388,214, , ,420,865, T O T A L 1,671,531,710,277, ,116,693,759, , ,374,428,

72 UNDERWRITING YEAR : 2011 PROCESSING DATE : 27/01/2015 POLICY STATUS : PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 31/12/2014 A;C;E;N;R In IDR CRESTA ZONE NATIONAL AGGREGAT EXPOSURE Amount NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY % Amount % Amount % Amount % Amount % A ACEH 1.1 4,608,961,565, ,255,283, ,583,593, MEDAN ,286,082,698, ,391,678, , ,659, OTHERS ,737,449,809, ,337,261, , ,435, NORTH SUMATERA 1 149,632,494,073, ,984,223, , ,850,689, PADANG ,954,303,293, ,722,664, , ,390, PALEMBANG ,166,152,211, ,170,019, , OTHERS ,456,097,403, ,325,771, , ,260,841, SOUTH SUMATERA 2 153,576,552,908, ,218,455, , ,290,231, JAKARTA ,405,939,083, ,669,520, , UNG 3.2 6,780,310,055, ,916,805, , ,353, OTHERS ,131,852,895, ,535,780, , ,100, WEST JAVA 3 1,076,318,102,034, ,513,122,106, , ,453, SEMARANG 4.1 6,547,169,388, ,986,696, YOGYAKARTA ,227,924,407, ,336,936, , OTHERS ,804,919,938, ,322,144, , CENTRAL JAVA 4 133,580,013,734, ,645,777, , SURABAYA ,137,349,483, ,500,306, , OTHERS ,945,414,856, ,993,980, , EAST JAVA 5 388,082,764,339, ,494,287, , KALIMANTAN 6 122,839,704,752, ,391,973, , UJUNG PANDANG ,441,385,729, ,478,927, , OTHERS ,647,999,896, ,696,626, , ,662, SULAWESI 7 70,089,385,626, ,175,554, , ,662, OTHERS 8 55,306,297,043, ,159,595, , ,941,410, T O T A L 2,149,425,314,512, ,814,191,973, , ,163,447,

73 UNDERWRITING YEAR : 2012 PROCESSING DATE : 27/01/2015 POLICY STATUS : PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 31/12/2014 A;C;E;N;R In IDR CRESTA ZONE NATIONAL AGGREGAT EXPOSURE Amount NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY % Amount % Amount % Amount % Amount % A ACEH 1.1 3,839,464,940, ,248,598, ,430,714, MEDAN ,486,266,999, ,057,405, , ,936, OTHERS ,063,044,376, ,565,709, , NORTH SUMATERA 1 83,388,776,316, ,871,713, , ,445,651, PADANG ,413,272,574, ,706,692, , PALEMBANG ,870,617,822, ,638,821, , OTHERS ,030,678,302, ,394,230, , ,000, SOUTH SUMATERA 2 171,314,568,699, ,739,744, , ,000, JAKARTA ,765,147,964, ,612,860, , UNG ,941,947,640, ,343,625, , OTHERS ,590,279,350, ,567,888, , ,438, WEST JAVA 3 1,064,297,374,955, ,565,524,374, , ,438, SEMARANG 4.1 7,042,365,865, ,736,950, YOGYAKARTA 4.2 9,214,124,746, ,028,296, , OTHERS ,402,508,562, ,178,167, , CENTRAL JAVA 4 118,658,999,174, ,943,414, , SURABAYA ,392,948,947, ,169,506, , OTHERS ,924,031,786, ,493,110, , EAST JAVA 5 260,316,980,734, ,662,617, , KALIMANTAN 6 101,257,693,194, ,636,972, , UJUNG PANDANG ,377,976,525, ,912,216, , OTHERS ,499,207,781, ,503,962, , ,159, SULAWESI 7 64,877,184,306, ,416,178, , ,159, OTHERS 8 65,031,138,032, ,771,246, , ,510, T O T A L 1,929,142,715,414, ,641,566,261, , ,019,759,

74 UNDERWRITING YEAR : 2013 PROCESSING DATE : 27/01/2015 POLICY STATUS : PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 31/12/2014 A;C;E;N;R In IDR CRESTA ZONE NATIONAL AGGREGAT EXPOSURE Amount NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY % Amount % Amount % Amount % Amount % A ACEH 1.1 4,665,592,442, ,881,676, ,000, MEDAN ,983,258,003, ,019,613, , OTHERS ,326,588,501, ,489,213, , NORTH SUMATERA 1 101,975,438,948, ,390,503, , ,000, PADANG ,972,111,977, ,978,390, , PALEMBANG ,982,972,756, ,274,700, , OTHERS ,971,445,809, ,101,128, , ,997, SOUTH SUMATERA 2 198,926,530,542, ,354,219, , ,997, JAKARTA ,489,535,629, ,994,679, , UNG ,391,119,387, ,183,329, , ,511, OTHERS ,990,904,256, ,665,264,469, , WEST JAVA 3 1,417,871,559,273, ,379,442,478, , ,511, SEMARANG 4.1 6,660,481,653, ,985,037, YOGYAKARTA 4.2 8,519,214,571, ,248,795, , ,821,193, OTHERS ,253,007,746, ,914,181, , ,644,278, CENTRAL JAVA 4 150,432,703,971, ,148,013, , ,465,471, SURABAYA ,274,677,177, ,726,873, , OTHERS ,276,137,710, ,674,754, , ,009,247, EAST JAVA 5 238,550,814,888, ,401,628, , ,009,247, KALIMANTAN 6 126,158,412,345, ,971,396, , UJUNG PANDANG ,057,441,851, ,162,655, , OTHERS ,542,467,976, ,104,736, , ,000, SULAWESI 7 52,599,909,827, ,267,391, , ,000, OTHERS 8 317,569,251,609, ,632,690, , ,205, T O T A L 2,604,084,621,406, ,251,608,321, , ,608,433,

75 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 31/12/2014 UNDERWRITING YEAR : 2014 PROCESSING DATE : 27/01/2015 POLICY STATUS : A;C;E;N;R PT. Reasuransi MAIPARK Indonesia In IDR NATIONAL AGGREGAT CRESTA ZONE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY NATIONAL AGGREGAT EXPOSURE EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION Amount % Amount As At 31/12/2014 % Amount % Amount % Amount % A UNDERWRITING ACEH YEAR 1.1 : ,126,659, ,438,293, PROCESSING DATE : 027/01/2015 MEDAN POLICY STATUS 1.2 : 35,150,189,501, A;C;E;N;R ,370,129, , In IDR OTHERS ,216,057,689, ,010,826, , NORTH SUMATERA 1 57,113,373,850, NATIONAL AGGREGATE ,819,250, , NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY PADANG OCCUPATION ,837,508,457, EXPOSURE ,179,737, , PALEMBANG 2.2 8,454,938,402, Amount 0.55 % Amount 8,694,455, % 0.37 Amount 1,202 % 0.87 Amount % Amount 0 % OTHERS AGRICULTURAL 2.3 A107,230,996,531, ,170,306,793, ,923,243, ,897,315, , SOUTH COMMERCIAL SUMATERA 2 C126,523,443,391, ,353,550,582, ,797,435, ,839,421, , , ,884,257, JAKARTA INDUSTRIAL 3.1 I 354,181,355,824, ,358,413,291,954, ,697,040,240, ,305,245, , , UNG RESIDENTIAL 3.2 R 6,445,772,680, ,488,165,181, ,414,996, ,965,568, , , ,190, OTHERS T O T A L ,943,502,962, ,149,425,314,512, ,814,191,973, ,491,284, , , ,163,447, WEST JAVA 3 831,570,631,467, ,389,762,098, , SEMARANG 4.1 4,010,949,930, ,576,763, YOGYAKARTA 4.2 5,744,520,750, ,798,792, , OTHERS ,858,499,143, ,480,793, , CENTRAL JAVA 4 81,613,969,824, ,856,349, , SURABAYA ,313,882,279, ,121,940, , OTHERS ,116,529,368, ,418,198, , ,000, EAST JAVA 5 183,430,411,647, ,540,138, , ,000, KALIMANTAN 6 70,890,454,994, ,437,567, , UJUNG PANDANG ,172,475,875, ,077,821, , OTHERS ,273,334,186, ,512,678, , SULAWESI 7 111,445,810,061, ,590,500, , OTHERS 8 63,583,339,920, ,507,982, , ,745, T O T A L 1,526,171,435,158, ,363,311,323, , ,745,

76 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION As At 31/12/2014 UNDERWRITING YEAR : 2010 PROCESSING DATE : 27/01/2015 POLICY STATUS : A;C;E;N;R In IDR OCCUPATION NATIONAL AGGREGATE EXPOSURE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 17,593,981,439, ,828,909, COMMERCIAL C 314,262,201,730, ,837,251, , ,257,418, INDUSTRIAL I 1,067,155,494,792, ,297,834,004, , ,224, RESIDENTIAL R 272,520,032,314, ,193,593, , ,785, T O T A L 1,671,531,710,277, ,116,693,759, , ,374,428,

77 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION As At 31/12/2014 UNDERWRITING YEAR : 2011 PROCESSING DATE : 27/01/2015 POLICY STATUS : A;C;E;N;R In IDR OCCUPATION NATIONAL AGGREGATE EXPOSURE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 20,170,306,793, ,897,315, COMMERCIAL C 538,353,550,582, ,839,421, , ,884,257, INDUSTRIAL I 1,358,413,291,954, ,697,040,240, , RESIDENTIAL R 232,488,165,181, ,414,996, , ,190, T O T A L 2,149,425,314,512, ,814,191,973, , ,163,447,

78 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION As At 31/12/2014 UNDERWRITING YEAR : 2012 PROCESSING DATE : 27/01/2015 POLICY STATUS : A;C;E;N;R In IDR OCCUPATION NATIONAL AGGREGATE EXPOSURE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 23,543,592,772, ,419,229, COMMERCIAL C 450,450,164,139, ,472,639, , ,969,759, INDUSTRIAL I 1,225,796,552,609, ,624,899,675, , RESIDENTIAL R 229,352,405,894, ,774,717, , ,000, T O T A L 1,929,142,715,414, ,641,566,261, , ,019,759,

79 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION As At 31/12/2014 UNDERWRITING YEAR : 2013 PROCESSING DATE : 27/01/2015 POLICY STATUS : A;C;E;N;R In IDR OCCUPATION NATIONAL AGGREGATE EXPOSURE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 25,850,470,360, ,876,464, COMMERCIAL C 945,861,138,961, ,716,969,212, , ,694,548, INDUSTRIAL I 1,315,566,653,822, ,026,598,041, , ,821,282, RESIDENTIAL R 316,806,358,262, ,164,601, , ,602, T O T A L 2,604,084,621,406, ,251,608,321, , ,608,433,

80 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION As At 31/12/2014 UNDERWRITING YEAR : 2014 PROCESSING DATE : 27/01/2015 POLICY STATUS : A;C;E;N;R In IDR OCCUPATION NATIONAL AGGREGATE EXPOSURE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 14,812,265,396, ,675,258, COMMERCIAL C 403,332,897,241, ,524,056, , ,745, INDUSTRIAL I 856,931,736,706, ,321,090,215, , RESIDENTIAL R 251,094,535,812, ,021,793, , ,000, T O T A L 1,526,171,435,158, ,363,311,323, , ,745,

81 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE As At 31/12/2014 UNDERWRITING YEAR : 2010 PROCESSING DATE : 27/01/2015 POLICY STATUS : A;C;E;N;R In IDR PROVINCE NATIONAL AGGREGAT EXPOSURE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY Amount % Amount % Amount % Amount % Amount % 01. NAD 46,014,656,466, ,933,427, , ,154, ,154, SUMATERA UTARA 63,486,304,289, ,076,514, , ,818, ,818, SUMATERA BARAT 22,408,712,992, ,338,010, , RIAU 32,775,423,381, ,033,443, , JAMBI 5,229,365,051, ,242,221, , SUMATERA SELATAN 37,898,109,822, ,281,214, , BENGKULU 3,089,196,866, ,473,349, , LAMPUNG 16,664,884,556, ,692,710, , KEP BANGKA-BELITUNG 3,336,058,201, ,953,443, KEPULAUAN RIAU 15,498,254,822, ,936,141, , JAKARTA 304,824,691,069, ,910,542, , ,508,00 2,508, JAWA BARAT 395,856,887,033, ,454,579, , ,327,39 37,327, JAWA TENGAH 68,286,066,186, ,521,601, , ,034,914, ,034,914, DIY 10,480,946,388, ,038,341, , ,362,493,60 30,362,493, JAWA TIMUR 246,339,269,641, ,464,517, , ,008, ,008, BANTEN 211,934,153,695, ,430,861, , BALI 39,388,712,490, ,063,520, , ,956, ,956, NUSA TENGGARA BARAT 2,915,151,771, ,440,906, , NUSA TENGGARA TIMUR 862,786,991, ,281,077, KALIMANTAN BARAT 4,184,375,704, ,715,242, , KALIMANTAN TENGAH 11,726,628,849, ,889,548, KALIMANTAN SELATAN 14,511,411,705, ,861,818, , KALIMANTAN TIMUR 47,865,592,184, ,944,044, , SULAWESI UTARA 8,844,145,995, ,764,191, , SULAWESI TENGAH 1,344,987,489, ,004,618, , ,717,28 13,717, SULAWESI SELATAN 16,571,176,175, ,199,396, , ,999, ,999, SULAWESI TENGGARA 18,974,413,466, ,176,342, GORONTALO 12,013,589,166, ,303,446, SULAWESI BARAT 1,862,398,413, ,665,975, MALUKU 959,192,107, ,748,451, MALUKU UTARA 431,793,359, ,016, PAPUA BARAT 1,739,199,010, ,543,602, PAPUA 3,213,174,930, ,574,638, , ,217,529, ,217,529, T O T A L 1,671,531,710,277, ,116,693,759, , ,374,428, ,374,428,

82 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE As At 31/12/2014 UNDERWRITING YEAR : 2011 PROCESSING DATE : 27/01/2015 POLICY STATUS : A;C;E;N;R In IDR PROVINCE NATIONAL AGGREGAT EXPOSURE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY Amount % Amount % Amount % Amount % Amount % 01. NAD 61,526,298,867, ,272,745, , ,770,397, ,770,397, SUMATERA UTARA 88,106,195,205, ,711,477, , ,753, ,753, SUMATERA BARAT 23,100,967,279, ,326,642, , ,905,00 39,905, RIAU 34,792,656,469, ,916,965, , JAMBI 8,126,179,638, ,938,259, , SUMATERA SELATAN 30,246,924,977, ,091,594, , ,966, ,966, BENGKULU 4,060,673,197, ,256,169, , ,898,80 30,898, LAMPUNG 27,534,812,464, ,249,898, , KEP BANGKA-BELITUNG 3,041,959,885, ,654,439, KEPULAUAN RIAU 22,672,378,996, ,784,485, , JAKARTA 464,405,939,083, ,669,520, , JAWA BARAT 400,940,521,827, ,775,612, , ,453, ,453, JAWA TENGAH 121,725,177,084, ,888,826, , DIY 11,854,836,649, ,756,951, , JAWA TIMUR 388,082,764,339, ,494,287, , BANTEN 210,971,641,123, ,676,973, , BALI 43,282,480,532, ,357,067, , ,791,410, ,791,410, NUSA TENGGARA BARAT 3,077,047,054, ,152,954, , NUSA TENGGARA TIMUR 1,617,483,032, ,433,951, KALIMANTAN BARAT 6,929,074,391, ,039,986, KALIMANTAN TENGAH 12,214,732,033, ,262,245, KALIMANTAN SELATAN 28,151,320,447, ,762,331, , KALIMANTAN TIMUR 75,544,577,879, ,327,410, , SULAWESI UTARA 20,478,391,127, ,732,408, , SULAWESI TENGAH 2,234,831,075, ,453,309, , ,662,80 6,662, SULAWESI SELATAN 24,508,942,520, ,634,050, , SULAWESI TENGGARA 9,114,245,475, ,519,505, GORONTALO 12,799,959,249, ,429,749, , SULAWESI BARAT 953,016,177, ,406,530, MALUKU 1,012,162,473, ,761,141, MALUKU UTARA 599,594,466, ,055,956, PAPUA BARAT 2,191,055,888, ,177,814, , PAPUA 3,526,473,596, ,220,709, , T O T A L 2,149,425,314,512, ,814,191,973, , ,163,447, ,163,447,

83 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE As At 31/12/2014 UNDERWRITING YEAR : 2012 PROCESSING DATE : 27/01/2015 POLICY STATUS : A;C;E;N;R In IDR PROVINCE NATIONAL AGGREGAT EXPOSURE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY Amount % Amount % Amount % Amount % Amount % 01. NAD 8,231,868,689, ,322,756, , ,498,153,10 1,498,153, SUMATERA UTARA 75,156,907,626, ,548,956, , ,118, ,118, SUMATERA BARAT 26,414,100,677, ,371,801, , RIAU 33,313,694,594, ,217,466, , JAMBI 10,895,449,767, ,791,807, , SUMATERA SELATAN 40,588,870,108, ,225,257, , BENGKULU 4,429,108,259, ,237,837, , LAMPUNG 28,246,801,199, ,905,132, , KEP BANGKA-BELITUNG 3,769,483,222, ,394,693, KEPULAUAN RIAU 23,657,060,869, ,595,747, , JAKARTA 398,765,147,964, ,612,860, , JAWA BARAT 448,178,872,106, ,202,133, , JAWA TENGAH 107,225,982,919, ,607,366, , DIY 11,433,016,255, ,336,047, , JAWA TIMUR 260,316,980,734, ,662,617, , BANTEN 217,353,354,884, ,709,380, , BALI 50,121,527,638, ,961,917, , ,328, ,328, NUSA TENGGARA BARAT 3,827,061,635, ,071,006, , NUSA TENGGARA TIMUR 2,109,046,479, ,238,797, KALIMANTAN BARAT 6,287,064,336, ,583,831, , KALIMANTAN TENGAH 11,779,392,838, ,661,044, KALIMANTAN SELATAN 14,602,282,782, ,295,154, , KALIMANTAN TIMUR 68,588,953,237, ,096,941, , SULAWESI UTARA 11,170,168,140, ,970,212, , ,217, ,217, SULAWESI TENGAH 2,111,441,851, ,324,143, , ,942,40 77,942, SULAWESI SELATAN 26,714,572,472, ,699,734, , SULAWESI TENGGARA 9,730,700,947, ,914,673, GORONTALO 14,030,869,267, ,830,875, , SULAWESI BARAT 1,119,431,627, ,676,539, MALUKU 1,293,638,879, ,358,964, MALUKU UTARA 838,592,023, ,479,457, PAPUA BARAT 3,235,431,707, ,823,778, , PAPUA 3,605,839,668, ,837,324, , T O T A L 1,929,142,715,414, ,641,566,261, , ,019,759, ,019,759,

84 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE As At 31/12/2014 UNDERWRITING YEAR : 2013 PROCESSING DATE : 27/01/2015 POLICY STATUS : A;C;E;N;R In IDR PROVINCE NATIONAL AGGREGAT EXPOSURE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY Amount % Amount % Amount % Amount % Amount % 01. NAD 9,088,497,478, ,212,999, , ,436,00 33,436, SUMATERA UTARA 92,886,941,469, ,177,503, , SUMATERA BARAT 36,975,173,829, ,412,946, , ,997, ,997, RIAU 47,642,572,184, ,756,882, , JAMBI 10,906,819,720, ,343,542, , SUMATERA SELATAN 41,546,157,693, ,975,548, , BENGKULU 4,859,327,088, ,804,776, , LAMPUNG 25,667,366,382, ,214,958, , KEP BANGKA-BELITUNG 4,502,325,263, ,376,254, KEPULAUAN RIAU 26,826,788,381, ,469,310, , JAKARTA 432,489,535,629, ,994,679, , JAWA BARAT 705,292,830,823, ,205,838,311, , ,511,00 22,511, JAWA TENGAH 139,005,766,651, ,465,060, , ,698,40 36,698, DIY 11,426,937,319, ,682,952, , ,221,193,26 1,221,193, JAWA TIMUR 238,550,814,888, ,401,628, , ,224,727,82 318,224,727, BANTEN 280,089,192,820, ,609,487, , BALI 302,582,088,814, ,785,893, , NUSA TENGGARA BARAT 4,519,786,644, ,802,969, , ,869, ,869, NUSA TENGGARA TIMUR 1,752,041,709, ,812,496, KALIMANTAN BARAT 8,058,602,953, ,801,543, , KALIMANTAN TENGAH 17,307,987,814, ,958,489, KALIMANTAN SELATAN 36,936,891,817, ,315,778, , KALIMANTAN TIMUR 63,854,929,759, ,895,584, , SULAWESI UTARA 16,072,771,025, ,959,504, , SULAWESI TENGAH 4,181,876,369, ,862,013, , ,000,00 50,000, SULAWESI SELATAN 27,545,073,710, ,412,649, , SULAWESI TENGGARA 1,513,553,072, ,269,405, GORONTALO 1,999,735,606, ,836,338, SULAWESI BARAT 1,286,900,043, ,927,480, MALUKU 1,835,472,975, ,456,936, MALUKU UTARA 536,597,259, ,033,934, PAPUA BARAT 2,592,512,943, ,192,732, , PAPUA 3,750,751,263, ,547,727, , T O T A L 2,604,084,621,406, ,251,608,321, , ,608,433, ,608,433,

85 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE As At 31/12/2014 UNDERWRITING YEAR : 2014 PROCESSING DATE : 27/01/2015 POLICY STATUS : A;C;E;N;R In IDR PROVINCE NATIONAL AGGREGAT EXPOSURE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY Amount % Amount % Amount % Amount % Amount % 01. NAD 2,911,968,873, ,091,341, , SUMATERA UTARA 54,201,404,976, ,727,909, , SUMATERA BARAT 15,479,627,030, ,337,331, , RIAU 29,824,102,387, ,736,850, , JAMBI 5,970,659,568, ,807,811, , SUMATERA SELATAN 27,432,385,891, ,216,851, , BENGKULU 2,688,111,589, ,196,899, , LAMPUNG 18,988,064,135, ,220,233, , KEP BANGKA-BELITUNG 1,703,824,000, ,645,316, KEPULAUAN RIAU 24,436,668,787, ,636,141, JAKARTA 354,181,355,824, ,305,245, , JAWA BARAT 340,647,613,053, ,618,351, , JAWA TENGAH 73,473,330,658, ,390,538, , DIY 8,140,639,166, ,465,810, , JAWA TIMUR 183,430,411,647, ,540,138, , ,000,00 180,000, BANTEN 136,741,662,589, ,838,501, , BALI 48,467,238,201, ,210,871, , ,745, ,745, NUSA TENGGARA BARAT 6,277,755,878, ,630,709, , NUSA TENGGARA TIMUR 1,690,901,964, ,843,895, KALIMANTAN BARAT 7,816,537,077, ,862,944, KALIMANTAN TENGAH 16,705,388,836, ,515,051, KALIMANTAN SELATAN 13,273,301,252, ,567,430, KALIMANTAN TIMUR 33,095,227,828, ,492,141, , SULAWESI UTARA 9,921,249,446, ,490,377, , SULAWESI TENGAH 2,608,915,338, ,281,219, SULAWESI SELATAN 78,635,816,919, ,672,045, , SULAWESI TENGGARA 16,516,477,744, ,118,283, GORONTALO 789,107,217, ,566,477, SULAWESI BARAT 2,974,243,395, ,462,096, MALUKU 1,503,672,083, ,912,579, MALUKU UTARA 520,371,476, ,939, PAPUA BARAT 1,940,013,974, ,250,714, PAPUA 3,183,386,341, ,671,272, , T O T A L 1,526,171,435,158, ,363,311,323, , ,745, ,745,

86 Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2014, per 31 Desember 2014 Indonesian Earthquake Distribution by Province, Underwriting Year 2014, as at 31 December

87 Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2014 Indonesian Earthquake Distribution M > 5 and Claim Incurred

88 Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2014, per 31 Desember 2014 Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2014 Indonesian Earthquake Distribution by Province, Underwriting Year 2014, as at 31 December 2014, Indonesian Earthquake Distribution M > 5 and Claim Incurred

89 DAMAGE RATIO Materi Damage Ratio ini membahas dua gempa yaitu Gempa Bengkulu dan Gempa Pariaman yang diulas kembali menggunakan data terbaru untuk memberikan gambaran terkini. Gempa Bengkulu yang terjadi pada tanggal 12 September 2007, berkekuatan 7,9 SR (BMKG) dan Gempa Pariaman yang terjadi pada 30 september 2009 dengan kekuatan 7,6 SR (BMKG) terjadi pada zona penunjaman di wilayah pantai barat Sumatera. Penunjaman tersebut terjadi disebabkan tekanan dari Lempeng Samudera Hindia-Australia ke dalam Lempeng Eurasia dengan laju penunjamannya sebesar 5,7 cm/tahun. Akibat dari penunjaman tersebut menyebabkan kompresi arah barat pantai Sumatera, mengakibatkan beberapa kejadian gempa bumi dimana mekanisme kejadiannya merupakan hasil dari tumbukan lempeng. Berdasarkan data klaim dari gempa bumi Bengkulu, menunjukkan pembagian zona dengan MMI sebagai berikut: 1. Zona MMI VI Probabilitas loss ratio 20% adalah sebesar 3% dari jumlah risiko. Damage Ratio discussed two earthquakes i.e. Bengkulu and Pariaman earthquake that review using the most recent data to provide the latest update. Bengkulu Earthquake occurred on 12 th September 2007 with magnitude 7.9 SR (BMKG) and Pariaman Earthquake occurred on 30 th September 2009 with magnitude 7.6 SR (BMKG) on subduction zone along the west coast of Sumatera. Subduction occured because of the pressure from the Indian Ocean-Australian Plate into the Eurasian plate at the rate of 5.7 cm/year. As a result of the subduction causes compression towards the west coast of Sumatera, resulting several earthquakes where the mechanism of events is the result of plate collision. Based on claims data of Bengkulu Earthquake, show the zone distribution with the following MMI: 1. Zone MMI VI The probability of loss ratio of 20 % is equal to 3 % from number of risk. 77

90 2. Zona MMI VII Tidak ditemukan adanya data klaim. 3. Zona MMI VIII Probabilitas loss ratio 20% adalah sebesar 7,7%. 2. Zone MMI VII Not found any buildings claims data loss. 3. Zone MMI VIII The probability of loss ratio of 20 % is equal to 7.7 % from number of risk. Berdasarkan data klaim dari gempa bumi Pariaman, menunjukkan pembagian zona dengan MMI sebagai berikut: 1. Zona MMI VI Tidak ditemukan adanya data klaim kerugian bangunan. Based on claims data of Bengkulu Earthquake, show the zone distribution with the following MMI: 1. Zone MMI VI Not found any buildings claims data loss. 78

91 2. Zona MMI VII Probabilitas loss ratio 20% adalah sebesar 13% dari jumlah risiko. 2. Zone MMI VII The probability of loss ratio of 20 % is equal to 13% from number of risk. 3. Zona MMI VIII Probabilitas loss ratio 20% adalah sebesar 2,4%. 3. Zone MMI VIII The probability of loss ratio of 20 % is equal to 2.4 % from number of risk. Tabel Mean Damage / Mean Damage Table 79