MAIPARK, Statistik, 06/2015. PT Reasuransi MAIPARK Indonesia

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1 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, Yasril Y. Rasyid President 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 Juni A. Umum... 1 B. Struktur Pasar... 1 C. Premi Bruto... 1 D. Jumlah Risiko... 3 E. Incurred Claim... 5 Exposure Asuransi Gempa Bumi Indonesia... Tabel 2.1. Exposure Per Cresta Zone Tabel 2.2. Exposure Per Okupasi Tabel 2.3. Exposure Per Interest Tabel 2.4. Exposure Per Provinsi Tabel 2.5. Exposure Per Kelas Konstruksi Statistic Overview of Indonesian Earthquake Insurance June A. General... 1 B. Market Structure... 1 C. Gross Premium... 1 D. Number of Risk... 3 E. Incurred Claim... 5 Indonesian Earthquake Insurance Exposure... Table 2.1. Exposure By Cresta Zone Table 2.2. Exposure By Occupation Table 2.3. Exposure By Interest Table 2.4. Exposure By Province Tabel 2.5. Exposure By Construction Class Premi Bruto Asuransi Gempa Bumi Indonesia.... Tabel 3.1. Gross Premium Per Cresta Zone.. 19 Tabel 3.2. Gross Premium Per Okupasi Tabel 3.3. Gross Premium Per Provinsi Tabel 3.5. Gross Premium Per Kelas Konstruksi 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 Table 3.5. Gross Premium By Construction Class Jumlah Risiko Asuransi Gempa Bumi Indonesia... Tabel 4.1. Jumlah Risiko Per Cresta Zone Tabel 4.2. Jumlah Risiko Per Okupasi Tabel 4.3. Jumlah Risiko Per Kelas Konstruksi Klaim Asuransi Gempa Bumi Indonesia... Tabel 5.1. Klaim Frekwensi Per Cresta Zone.. 32 Tabel 5.2. Klaim Frekwensi 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 Table 4.3. Number of Risk By Construction Class Indonesian Earthquake Insurance Claim... Table 5.1. Claim Frequency By Cresta Zone.. 32 Table 5.2. Claim Frequency By Occupation.34 ii

4 Tabel Klaim Per Cresta Zone Tabel 5.5. Klaim Per Okupasi Table 5.4. Claim By Cresta Zone Table 5.5 Claim By Occupation Profil Risiko dan Klaim... Underwriting Year , Seluruh Okupasi Underwriting Year 2015, Seluruh Okupasi Underwriting Year 2014, Seluruh Okupasi Underwriting Year 2013, Seluruh Okupasi Underwriting Year 2012, Seluruh Okupasi Underwriting Year 2011, Seluruh Okupasi Profil Risiko dan Klaim Underwriting Year 2015 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residensial Profil Risiko dan Klaim Underwriting Year 2014 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residensial Profil Risiko dan Klaim Underwriting Year 2013 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residensial Risk and Loss Profile... Underwriting Year , All Occupation Underwriting Year 2015, All Occupation Underwriting Year 2014, All Occupation Underwriting Year 2013, All Occupation Underwriting Year 2012, All Occupation Underwriting Year 2011, All Occupation Risk and Loss Profile Underwriting Year 2015 By Occupation.... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Risk and Loss Profile Underwriting Year 2014 By Occupation.... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Risk and Loss Profile Underwriting Year 2013 By Occupation.... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation iii

5 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 Residential Risk and Loss Profile Underwriting Year 2011 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 2015, per 30 Juni Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 30 Juni 2015, Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred UY Map Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2015, as at 30 June Indonesian Earthquake Distribution M > 5 and Claim Incurred Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2015, as at 30 June 2015, Indonesian Earthquake Distribution M > 5 and Claim Incurred Ulasan Aktuaria. 84 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.100 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 100 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 30 Juni 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 ,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 ,00 (dua puluh lima miliar Rupiah) atau yang setara dengan USD ,00 (dua juta enam ratus tiga puluh satu lima ratus tujuh puluh delapan Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis 1. Statistic Report is based on Underwriting Year basis, which is recorded as at 30 June 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, (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, (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 ,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 ,00 (dua puluh lima miliar Rupiah) atau yang setara dengan USD ,00 (dua juta enam ratus tiga puluh satu lima ratus tujuh puluh delapan Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 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 For other Indonesia areas: 25% (twenty five percent) of the total sum insured, being a maximum of USD 2,500, (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, (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 viii

10 pertanggungan (total sum insured) maksimum USD ,00 (tiga juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year % (lima belas prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp ,00 (tiga puluh lima miliar Rupiah) atau yang setara dengan USD ,26 (tiga juta empat puluh tiga ribu empat ratus tujuh puluh delapan koma dua puluh enam Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year insured, being a maximum of USD 3,500, (three million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year % (twenty five percent) of the total sum insured, being a maximum of Rp.35,000,000, (thirty five billion Indonesian Rupiahs) or equal to USD 3,043, (three million fourty three thousand four hundred seventy eight point twenty six U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year Yang dimaksud dengan setiap risiko (anyone risk) adalah akumulasi (aggregate) jumlah harga pertanggungan seluruh risiko pada lokasi yang sama untuk masing-masing perusahaan asuransi. Definisi setiap risiko atau setiap lokasi ditentukan oleh perusahaan asuransi dalam underwriting polis kebakaran 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. ix

11 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 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. x

12 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. xi

13 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. xii

14 Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2015 Statistic Overview of Indonesia Earthquake Insurance June 2015 A. Umum Berdasarkan data Badan Pusat Statistik, Perekonomian Indonesia pada triwulan II-2015 sebagaimana diukur dari Produk Domestik Bruto (PDB), tumbuh sebesar 3,78 % dibandingkan triwulan I-2015 (q-to-q). Nilai Produk Domestik Bruto (PDB) Indonesia atas dasar harga konstan 2010 pada triwulan II-2015 mencapai Rp ,3 triliun sedangkan pada triwulan I-2015 sebesar Rp.2.157,8 triliun. Bila dilihat berdasarkan harga berlaku, PDB triwulan II-2015 adalah sebesar Rp ,9 triliun sedangkan triwulan I-2015 adalah Rp ,8 triliun. A. General Based on Central of Statistics Bureau Data, Indonesian economic in second quarter 2015 as measured by Gross Domestic Product (GDP) increased by 3.78 % compared with first quarter 2015 (q-to-q). Gross Domestic Product (GDP) based on Constant Price 2010 in second quarter 2015 reached the amount of Rp. 2,239.3 trillion while in first quarter 2015 was Rp. 2,157.8 trillion. If it is based on Current Market Price, GDP in second quarter 2015 was Rp. 2,866.9 trillion while in first quarter 2015 was Rp. 2,728.8 trillion. B. 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 30 Juni 2015, premi bruto asuransi gempa bumi Underwriting Year 2011 adalah sebesar Rp ,3 miliar. Premi bruto untuk Underwriting Year 2012 tercatat C. Gross Premium As at 30 June 2015, earthquake gross premium for Underwriting Year 2011 was Rp. 2,821.3 billion. Gross premium for Underwriting Year 2012 was recorded 1

15 Rp ,4 miliar, sedangkan untuk Underwriting Year 2013 adalah Rp ,8 miliar. Untuk Underwriting Year 2014 dan 2015 adalah Rp ,6 miliar dan Rp. 749,7 miliar. Angka angka ini akan terus bergerak naik terutama untuk Underwriting Year 2014 dan Rp. 2,645.4 billion, while for Underwriting Year 2013 was Rp. 4,251.8 billion. For Underwriting Year 2014 and 2015 were Rp. 4,242.6 billion and Rp billion. These figures would certainly increase especially for Underwriting Year 2014 and Tabel 1.1 di bawah ini menyajikan rincian premi bruto berdasarkan jenis okupasi dari Underwriting Year 2011 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 2013 yang meningkat sebesar 165,3% dari Rp ,75 juta di Underwriting Year 2012 menjadi Rp. The table 1.1 below shows the details of gross premium based on occupation from Underwriting Year 2011 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 2013 increased by 165.3% from Rp. 646, million in Underwriting Year 2012 to Rp. 1,714, million ,27 juta. Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 30 Juni 2015 Table 1.1 Gross Premium and Ratio By Occupation as at 30 June 2015 Underwriting Year Okupasi Agrikultural / Agricultural Komersial / Commercial Industri / Industrial Residensial / Residential 2 Dalam Jutaan Rupiah In Million Rupiah , % 758, % 1,696, % 342, % 2,821, , % 646, % 1,623, % 345, % 2,645, , % 1,714, % 2,028, % 474, % 4,251, , % 918, % 2,679, % 619, % 4,242, , % 211, % 409, % 126, % 749, T O T A L 115, ,248, ,438, ,908, ,710, Total

16 D. Jumlah Risiko Tabel 1.2 di bawah ini menyajikan jumlah risiko pada Underwriting Year 2011 hingga Underwriting Year 2015 yang tercatat sampai dengan 30 Juni D. Number of Risks Table 1.2 below shows the number of risks from Underwriting Year 2011 to Underwriting Year 2015 recorded until 30 June Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 30 Juni2015 Table 1.2 Number of Risk By Occupation as at 30 June 2015 Okupasi U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Occupation Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Agricultural / Agricultural A Komersial / Commercial C 91, , , , , Industrial / Industrial I 14, , , , , Residensial / Residential R 59, , , , , Jumlah / Total 165, , , , , Number of Risk By Occupation As at 30 Jun 2015 Commercial, 91,426 Industrial, 14,997 Residential, 69,467 Agricultural, 482 Commercial, 94,389 Industrial, 17,099 Residential, 59,138 Industrial, 18,252 Commercial, 100,292 UY 2011 Agricultural, 379 Agricultural, 420 Residential, 61,189 UY 2013 Commercial, 109,009 Industrial, 3,079 Industrial, 17,159 UY 2012 Residential, 25,468 Agricultural, 420 Residential, 84,794 Commercial, 20,377 UY 2014 UY 2015 Agricultural, 59 3

17 Jumlah risiko terbesar untuk setiap Underwriting Year, dalam hal ini dari Underwriting Year 2011 sampai dengan Underwriting Year 2015 ada pada okupasi Komersial, yaitu selalu berada pada rasio di atas 41% dari total risiko. Kemudian diikuti oleh okupasi Residensial dengan rasio di atas 35%. Jika terdapat asosiasi antara kontribusi premi dengan banyaknya risiko maka belum tentu asosiasi tersebut berbentuk linear dan positif. Hal ini dibuktikan dengan apabila melihat dari premi bruto tertinggi berada di okupasi industrial sedangkan banyak risiko tertinggi berada pada okupasi komersial. Berdasarkan data okupasi, okupasi Komersial terdiri dari beberapa kode okupasi. Jumlah risiko terbesar berdasarkan kode okupasi di Underwriting Year The highest number of risks for each Underwriting Year, in this case from Underwriting Year 2011 to Underwriting Year 2015, is under Commercial occupation, which is always on the ratio above 41% from the total risk. Then, it is followed by Residential occupation with ratio above 35%. If there is any association between the premium contribution and the number of risks then the association is not necessarily linear nor positive. This is proved which the highest gross premium is on the industrial occupation while the highest total risk is under commercial occupation. Based on occupation data, Commercial occupation consist of several occupation codes. The highest number of risks by occupation code in Underwriting Year are as follows: adalah sebagai berikut: Jumlah Risiko Terbesar pada Okupasi Komersial Berdasarkan Kode Okupasi per 30 Juni 2015 The Highest Number Of Risk in Commercial Occupation as at 30 June 2015 by Occupation Code Deskripsi & Kode Okupasi Description & Occupation Code U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Jumlah / Total Jumlah / Total Jumlah / Total Jumlah / Total Jumlah / Total Shops ,737 5,096 Shops - Subject to Waranty A ,158 22,998 15, Private Warehouses and Storehouses - Subject to Warranty A ,800 12,980 14, Veem and Bonded Warehouses - Subject to Warranty A Jumlah / Total 34,959 35,980 30,256 25,737 5,096 Okupasi Residensial terdiri dari beberapa kode Residential occupation consist of several okupasi. Jumlah risiko terbesar berdasarkan kode okupasi di Underwriting Year occupation codes. The highest number of risks by occupation code in Underwriting Year 2011 adalah sebagai berikut: 2015 are as follows: Jumlah Risiko Terbesar pada Okupasi Residensial Berdasarkan Kode Okupasi per 30 Juni 2015 The Highest Number Of Risk in Residential Occupation as at 30 June 2015 by Occupation Code Deskripsi & Kode Okupasi Description & Occupation Code U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Jumlah / Total Jumlah / Total Jumlah / Total Jumlah / Total Jumlah / Total Private Warehouses and Storehouses - Subject to Warranty A ,956 35,385 34,065 46,956 14,530 Jumlah / Total 35,956 35,385 34,065 46,956 14,530 4

18 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 87 klaim dan didominasi okupasi Komersial sebanyak 62 klaim. Hal ini disebabkan oleh kejadian gempa bumi di 2011 yaitu Gempa Bumi Nusa Dua pada tanggal 13 Oktober 2011 dengan kekuatan 6,8 S.R dan Gempa Bumi Sibolga pada tanggal 6 November 2011 dengan kekuatan 6,7 S.R. Based on table 1.3 below, the highest earthquake claim frequency occurred in Underwriting Year 2011 was 87 claims and it dominated by Commercial occupation of 62 claims. It was caused by Earthquakes in 2011 namely Nusa Dua Earthquake on 13 October 2011 with a magnitude of 6.8 S.R and Sibolga Earthquake on 6 November 2011 with a magnitude of 6.7 S.R. Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2015 Table 1.3 Claim Frequency By Occupation as at 30 June 2015 Okupasi Occupation Underwriting Year Agrikultural / Agricultural A Komersial / Commercial C Industrial / Industrial I Residensial / Residential R Jumlah / Total

19 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 2012 Per 30 Juni 2015 Table 1.4 Frequency Incurred Claim Underwriting Year 2012 as at 30 June 2015 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 ,541,051 24,067,631 50,000,000 4,136, ,711,030 59,355,515 62,328,097 56,382, ,000, ,000, ,000, ,000, ,621, ,810, ,572, ,049, ,668, ,834, ,000, ,668, , ,000-1, ,500-2, ,000-2, ,500-3, ,000-4, ,000-5, ,000-7, ,500-10, ,000-20, ,000-50, , , , , ,000 - up Total 15 1,720,541,981 6

20 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. 306,2 miliar. Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 30 Juni 2015 Table 1.5 Claim Amount By Occupation as at 30 June 2015 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. Dalam Rupiah In Rupiah Underwriting Year Okupasi Occupation Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Agrikultural / Agricultural A Komersial / Commercial C 6,375,313, ,670,541, ,212,972, ,228,599, Industrial / Industrial I ,750,356, Residensial / Residential R 279,739, ,000, ,244, ,916, Jumlah / Total 6,655,052, ,720,541, ,062,572, ,297,516, Tabel 1.6 di bawah ini menyajikan kejadian Gempa Bumi Tahun 2015 dan Incurred Claim sampai dengan 30 Juni Table 1.6 below shows earthquake events occurred in 2015 and the corresponding incurred claims as at 30 June

21 Tabel 1.6 Kejadian Gempa Bumi Tahun 2015 dan Klaim per 30 Juni 2015 Table 1.6 Earthquake Event in 2015 and Claim as at 30 June 2015 Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Event Date of Loss Magnitude (S.R) Klaim Claim Dalam Rupiah In Rupiah Manado 19-Mar SR 367,160, Tabel 1.7 di bawah ini menyajikan klaim untuk event Manado perjenis okupasi. Table 1.7 shows Manado event by occupation. Tabel 1.7 Kejadian Gempa Bumi Tahun 2015 dan Klaim per Okupasi per 30 Juni 2015 Table 1.7 Earthquake Event in 2015 and Claim per Occupation as at 30 June 2015 Okupasi Occupation Kejadian Event Tanggal Kejadian Date of Loss Frekwensi Frequency Agrikultural / Komersial / Industrial / Residensial / Agricultural Commercial Industrial Residential Agrikultural / Agricultural Jumlah (Dalam Rupiah) Amount (In Rupiah) Komersial / Industrial / Commercial Industrial Residensial / Residential Manado 19-Mar ,160, Tabel di bawah ini adalah daftar klaim terbesar sampai dengan tanggal 30 Juni The table below is a list of the largest claims as at 30 June Daftar Klaim - Klaim Terbesar Posisi 30 Juni 2015 List of The Largest Claims as at 30 June 2015 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 8

22 Tabel 1.8 menyajikan data jumlah polis dan loss ratio per 30 Juni Tabel tersebut menunjukkan bahwa loss ratio tertinggi berada pada Underwriting Year 2013 sebesar 7,25%. Hal ini dipengaruhi oleh nilai klaim yang cukup tinggi yang mayoritas disebabkan dari Erupsi Table 1.8 shows number of policies, and loss ratio as at 30 June The table show that the biggest loss ratio was at Underwriting Year 2013 i.e. 7.25%. It was influenced by large amount of claim that majority resulting from Kelud Eruption in Gunung Kelud tahun Tabel 1.8 Jumlah Polis dan Loss Ratio per 30 Juni 2015 Table 1.8 Number of Policies and Loss Ratio as at 30 June 2015 Underwriting Jumlah Polis Premi *) Frekwensi Klaim Jumlah Klaim *) Year Number of Policies Premium *) Claim Frequency Incurred Claim *) Loss Ratio ,060 2,821,322,404, ,655,052, % ,505 2,645,389,635, ,720,541, % ,678 4,251,836,566, ,062,572, % ,596 4,242,650,688, ,297,516, % , ,699,474, % Keterangan : *) Dalam Rupiah In Rupiah Tabel 1.9 menyajikan Premi dan Exposure per 30 Juni Table 1.9 shows Premium and Exposure as at 30 June Tabel 1.9 Premi dan Exposure per 30 Juni 2015 Table 1.9 Premium and Exposure as at 30 June 2015 Premi Underwriting Year Premium Dalam Jutaan Rupiah In Million Rupiah Exposure Exposure ,821, ,154,508, ,645, ,931,209, ,251, ,605,650, ,242, ,688,065, , ,167, T O T A L 14,710, ,880,600,

23 National Aggregate Exposure By Cresta Zone As At 30/06/2015 Table 2.1 in IDR U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Cresta Zone Amount % Amount % Amount % Amount % Amount % A ACEH 1.1 4,799,061,565, ,853,109,114, ,584,417,825, ,358,619,953, ,976,230, MEDAN ,652,172,698, ,461,037,801, ,542,841,695, ,960,197,728, ,266,930,733, OTHERS ,732,449,809, ,046,371,005, ,388,292,913, ,050,764,200, ,459,716,930, NORTH SUMATERA 1 150,183,684,073, ,360,517,922, ,515,552,434, ,369,581,882, ,182,623,893, PADANG ,558,741,293, ,866,092,244, ,019,846,969, ,477,769,570, ,343,731,570, PALEMBANG ,670,152,211, ,924,640,233, ,991,302,055, ,812,054,223, ,704,718,148, OTHERS ,060,615,053, ,125,533,745, ,261,108,880, ,058,254,439, ,600,541,769, SOUTH SUMATERA 2 155,289,508,558, ,916,266,223, ,272,257,906, ,348,078,233, ,648,991,489, JAKARTA ,501,709,083, ,151,129,341, ,924,032,664, ,708,345,423, ,243,160,461, UNG 3.2 6,881,910,055, ,941,392,878, ,455,800,182, ,865,031,172, ,383,533,867, OTHERS ,607,677,895, ,965,204,624, ,495,125,173, ,594,173,548, ,486,957,797, WEST JAVA 3 1,078,991,297,034, ,066,057,726,845, ,414,874,958,020, ,426,167,550,144, ,113,652,126, SEMARANG 4.1 6,547,169,388, ,032,671,423, ,708,673,384, ,094,897,525, ,040,937, YOGYAKARTA ,227,924,407, ,213,654,452, ,527,858,959, ,606,090,868, ,202,243,172, OTHERS ,804,919,938, ,486,294,341, ,192,546,432, ,412,503,264, ,491,815,108, CENTRAL JAVA 4 133,580,013,734, ,732,620,217, ,429,078,776, ,113,491,658, ,566,099,219, SURABAYA ,137,349,483, ,352,975,158, ,296,159,313, ,159,355,434, ,350,016,361, OTHERS ,813,831,856, ,015,661,096, ,084,798,977, ,891,208,794, ,500,806,604, EAST JAVA 5 387,951,181,339, ,368,636,254, ,380,958,290, ,050,564,228, ,850,822,966, KALIMANTAN 6 123,120,604,752, ,269,813,257, ,063,585,552, ,335,917,881, ,654,791,173, UJUNG PANDANG ,441,385,729, ,366,655,119, ,056,704,460, ,486,486,598, ,108,512,496, OTHERS ,644,593,333, ,890,334,194, ,155,028,523, ,822,471,621, ,501,222,198, SULAWESI 7 70,085,979,063, ,256,989,313, ,211,732,983, ,308,958,219, ,609,734,695, OTHER ISLANDS 8 55,306,297,043, ,246,834,197, ,902,549,313, ,370,933,137, ,540,518,738, T O T A L 2,154,508,565,599, ,931,209,404,232, ,605,650,673,277, ,688,065,075,386, ,167,234,303,

24 National Aggregate Exposure By Cresta Zone As at 30 Jun 2015 (In Billion IDR) 133,580, ,951, ,429, ,380, ,063, ,078,991, ,120, ,732, ,368, ,414,874, ,211, ,066,057, ,269, ,902, ,085, UY ,289, ,183, ,306, ,256, ,246, UY ,272, ,515, ,360, ,916, UY ,113, ,050, ,566, ,850, ,426,167, ,335, ,113, ,654, ,609, ,308, ,540, ,370, ,182, ,348, ,369, ,648, UY 2014 UY

25 National Aggregate Exposure By Occupation As At 30/06/2015 Table 2.2 in IDR Occupation U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 20,170,306,793, ,543,592,772, ,720,200,428, ,270,163,312, ,597,018,054, COMMERCIAL C 543,583,034,082, ,326,550,885, ,213,315,483, ,476,872,879, ,793,099,008, INDUSTRIAL I 1,358,267,696,554, ,225,238,409,045, ,317,498,327,917, ,684,181,022,050, ,039,374,566, RESIDENTIAL R 232,487,528,168, ,100,851,529, ,218,829,447, ,137,017,143, ,737,742,672, T O T A L 2,154,508,565,599, ,931,209,404,232, ,605,650,673,277, ,688,065,075,386, ,167,234,303,

26 National Aggregate Exposure By Occupation As at 30 Jun 2015 ( In Billion IDR ) Industrial, 1,358,267, Industrial, 1,317,498, Industrial, 1,225,238, Commercial, 945,213, Residential, 317,218, Commercial, 543,583, UY 2011 Agricultural, 20,170, Residential, 232,487, Commercial, 452,326, Agricultural, 23,543, Residential, 230,100, UY 2013 Agricultural, 25,720, Industrial, 1,684,181, UY 2012 Industrial, 276,039, Commercial, 597,476, Agricultural, 19,270, Residential, 387,137, Commercial, 139,793, Agricultural, 1,597, Residential, 83,737, UY 2014 UY

27 National Aggregate Exposure By Interest As At 30/06/2015 Table 2.3 In IDR Interest U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Amount % Amount % Amount % Amount % Amount % Building 964,149,559,051, ,375,212,157, ,225,048,709, ,141,640,488,037, ,086,403,015, Machinery 431,864,434,206, ,176,842,966, ,278,241,519, ,739,735,032, ,874,949,638, Others 254,262,184,053, ,884,980,019, ,113,463,073, ,309,137,157, ,901,024,674, Stock 284,182,162,668, ,145,992,942, ,236,732,577, ,403,614,646, ,614,494,023, Bussiness Interruption 220,050,225,619, ,626,376,144, ,797,187,397, ,972,100,513, ,690,362,951, T O T A L 2,154,508,565,599, ,931,209,404,232, ,605,650,673,277, ,688,065,075,386, ,167,234,303,

28 National Aggregate Exposure Year By Interest As at 30 Jun 2015 ( In Billion IDR ) 1,200,000,000 1,000,000, ,000, ,000,000 Building Machinery Stock Others Business Interruption 400,000, ,000,000 0 UY 2011 UY 2012 UY 2013 UY 2014 UY

29 National Aggregate Exposure By Province As At 30/06/2015 Table 2.4 In IDR U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Province Amount % Amount % Amount % Amount % Amount % 01. NAD 61,716,398,867, ,242,681,344, ,005,631,873, ,502,439,335, ,012,264,836, SUMATERA UTARA 88,467,285,205, ,117,836,577, ,509,920,560, ,867,142,547, ,170,359,057, SUMATERA BARAT 23,705,405,279, ,868,884,213, ,123,475,274, ,486,344,266, ,986,661,675, RIAU 35,064,056,469, ,207,775,421, ,542,834,210, ,840,220,411, ,856,689,069, JAMBI 8,231,659,638, ,895,402,638, ,972,622,690, ,065,716,213, ,855,347,995, SUMATERA SELATAN 30,750,924,977, ,818,497,980, ,439,584,412, ,679,527,268, ,826,759,985, BENGKULU 4,060,325,847, ,433,571,477, ,865,040,259, ,523,126,676, ,043,807,349, LAMPUNG 27,534,812,464, ,273,311,997, ,647,584,539, ,296,673,198, ,617,915,899, KEP BANGKA-BELITUNG 3,156,384,885, ,770,377,555, ,527,818,073, ,068,796,886, ,196,227, KEPULAUAN RIAU 22,785,938,996, ,648,444,938, ,153,298,444, ,387,673,313, ,879,613,286, JAKARTA 464,501,709,083, ,151,129,341, ,924,032,664, ,708,345,423, ,243,160,461, JAWA BARAT 401,042,121,827, ,712,411,951, ,131,596,776, ,346,269,834, ,947,669,414, JAWA TENGAH 121,725,177,084, ,296,512,601, ,980,875,350, ,193,794,174, ,736,117,316, DIY 11,854,836,649, ,436,107,616, ,448,203,425, ,919,697,483, ,829,981,902, JAWA TIMUR 387,951,181,339, ,368,636,254, ,380,958,290, ,050,564,228, ,850,822,966, BANTEN 213,447,466,123, ,194,185,551, ,819,328,579, ,112,934,886, ,922,822,250, BALI 43,282,480,532, ,116,926,207, ,787,423,262, ,893,929,884, ,640,921,910, NUSA TENGGARA BARAT 3,077,047,054, ,836,383,475, ,518,812,817, ,264,593,036, ,288,695, NUSA TENGGARA TIMUR 1,617,483,032, ,108,314,395, ,751,136,470, ,743,753,156, ,355,918, KALIMANTAN BARAT 7,209,974,391, ,288,814,178, ,941,811,616, ,790,089,041, ,115,703, KALIMANTAN TENGAH 12,214,732,033, ,780,711,832, ,189,946,010, ,696,519,373, ,926,375, KALIMANTAN SELATAN 28,151,320,447, ,607,685,305, ,104,477,399, ,162,099,676, ,096,107,359, KALIMANTAN TIMUR 75,544,577,879, ,592,601,941, ,827,350,525, ,687,209,790, ,763,641,735, SULAWESI UTARA 20,475,241,127, ,198,365,054, ,568,658,936, ,917,784,138, ,291,081,855, SULAWESI TENGAH 2,234,831,075, ,113,379,896, ,184,131,470, ,599,334,941, ,104,338,920, SULAWESI SELATAN 24,508,942,520, ,708,791,622, ,529,740,570, ,455,221,307, ,721,022,935, SULAWESI TENGGARA 9,114,245,475, ,050,080,341, ,521,959,535, ,873,472,932, ,672,830, GORONTALO 12,799,702,686, ,066,940,771, ,120,342,428, ,498,949,922, ,375,284, SULAWESI BARAT 953,016,177, ,119,431,627, ,286,900,043, ,964,194,977, ,242,868, MALUKU 1,012,162,473, ,294,838,879, ,834,818,640, ,177,073,886, ,816,826, MALUKU UTARA 599,594,466, ,309,120, ,208,280, ,564,769, ,433,216, PAPUA BARAT 2,191,055,888, ,445,075,692, ,612,323,243, ,861,725,100, ,878,796, PAPUA 3,526,473,596, ,605,986,426, ,859,826,598, ,585,293,303, ,019,823,375, T O T A L 2,154,508,565,599, ,931,209,404,232, ,605,650,673,277, ,688,065,075,386, ,167,234,303,

30 National Aggregate Exposure By Class Construction As At 30/06/2015 Table 2.5 In IDR Class Construction U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Amount % Amount % Amount % Amount % Amount % Com: Steel, Wood, RC 9 1,856,579,576,097, ,696,734,961,739, ,389,232,839,374, ,360,924,486,258, ,100,061,566, storeys Com: Steel, Wood, RC > 9 264,191,573,915, ,566,317,263, ,223,698,370, ,462,996,526, ,453,295,548, storeys Com: Others 947,295,810, ,131,225,502, ,717,908,330, ,391,786,365, ,319,462, DW: Steel, Wood, RC up to 3 32,717,118,713, ,705,856,085, ,436,947,072, ,169,531,422, ,416,612,920, storeys DW: Others 73,001,062, ,043,641, ,280,129, ,274,814, ,944,805, T O T A L 2,154,508,565,599, ,931,209,404,232, ,605,650,673,277, ,688,065,075,386, ,167,234,303, DEFINISI Konstruksi Commercial Objek pertanggungan dengan kode okupasi selain rumah tinggal (Kode Okupasi selain 2976) Com: Steel, Wood, RC 9 Konstruksi bangunan menggunakan rangka Baja, Kayu, Beton Bertulang, dengan jumlah lantai sampai dengan 9 lantai Com: Steel, Wood, RC > 9 Konstruksi bangunan menggunakan rangka Baja, Kayu, Beton Bertulang, dengan jumlah lantai lebih dari 9 lantai Com: Others Konstruksi bangunan tanpa menggunakan rangka Baja, Kayu, dan Beton Bertulang Dwelling House DW: Steel, Wood, RC DW: Others Objek pertanggungan rumah tinggal dengan kode okupasi 2976 (Semua kelas konstruksi) Konstruksi rumah tinggal yang menggunakan rangka Baja, Kayu, Beton Bertulang Konstruksi rumah tinggal tanpa menggunakan rangka Baja, Kayu,dan Beton Bertulang 17

31 National Aggregate Exposure By Class Construction As at 30 Jun 2015 (in Billion IDR) Com: Steel, Wood, RC 9 storeys, 1,856,579, Com: Steel, Wood, RC 9 storeys, 2,389,232, Com: Steel, Wood, RC 9 storeys, 1,696,734, DW: Others, 73, Com: Steel, Wood, RC > 9 storeys, 194,566, Com: Steel, Wood, RC > 9 storeys, 176,223, DW: Steel, Wood, RC up to 3 storeys, 32,717, Com: Steel, Wood, RC 9 storeys, 2,360,924, Com: Others, 947, Com: Steel, Wood, RC > 9 storeys, 264,191, UY 2011 DW: Others, 71, Com: Others, 5,131, DW: Steel, Wood, RC up to 3 storeys, 34,705, UY 2013 DW: Others, 39, Com: Others, 4,717, DW: Steel, Wood, RC up to 3 storeys, 35,436, UY 2012 Com: Steel, Wood, RC 9 storeys, 435,100, DW: Others, 116, DW: Steel, Wood, RC up to 3 storeys, 53,169, Com: Others, 1,391, Com: Steel, Wood, RC > 9 storeys, 272,462, DW: Others, 22, DW: Steel, Wood, RC up to 3 storeys, 15,416, Com: Others, 174, Com: Steel, Wood, RC > 9 storeys, 50,453, UY 2014 UY

32 National Gross Premium By Cresta Zone As At 30/06/2015 Table 3.1 in IDR U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Cresta Zone Amount % Amount % Amount % Amount % Amount % A ACEH 1.1 7,616,473, ,270,770, ,671,562, ,949,221, ,159, MEDAN ,849,290, ,028,982, ,410,152, ,452,259, ,193,346, OTHERS ,329,486, ,543,554, ,573,831, ,740,535, ,615,166, NORTH SUMATERA 1 194,795,250, ,843,306, ,655,546, ,142,016, ,700,671, PADANG ,870,980, ,565,026, ,062,491, ,678,295, ,940,483, PALEMBANG ,648,819, ,692,460, ,281,721, ,556,779, ,074,991, OTHERS ,969,849, ,605,893, ,190,187, ,857,497, ,996,586, SOUTH SUMATERA 2 182,489,649, ,863,380, ,534,399, ,092,572, ,012,060, JAKARTA ,813,175, ,194,044, ,093,334, ,739,103, ,367,105, UNG ,069,205, ,342,793, ,279,558, ,845,074, ,152,691, OTHERS ,246,086, ,203,812, ,664,240,419, ,523,384,506, ,395,849, WEST JAVA 3 1,517,128,468, ,568,740,650, ,373,613,311, ,429,968,684, ,915,647, SEMARANG 4.1 7,986,696, ,721,154, ,545,367, ,451,156, ,158,646, YOGYAKARTA ,336,936, ,027,570, ,260,675, ,074,808, ,398,558, OTHERS ,322,144, ,289,542, ,359,588, ,796,480, ,821,354, CENTRAL JAVA 4 169,645,777, ,038,267, ,165,631, ,322,445, ,378,560, SURABAYA ,500,306, ,104,661, ,078,486, ,272,703, ,796,751, OTHERS ,789,369, ,614,064, ,458,633, ,797,353, ,794,268, EAST JAVA 5 471,289,675, ,718,726, ,537,120, ,070,056, ,591,019, KALIMANTAN 6 103,644,783, ,648,111, ,396,548, ,375,638, ,367,525, UJUNG PANDANG 7.1 9,478,927, ,898,401, ,160,625, ,461,587, ,325,115, OTHERS ,690,275, ,540,150, ,648,397, ,246,688, ,191,585, SULAWESI 7 103,169,203, ,438,551, ,809,022, ,708,276, ,516,700, OTHER ISLANDS 8 79,159,595, ,098,640, ,124,986, ,970,999, ,217,289, T O T A L 2,821,322,404, ,645,389,635, ,251,836,566, ,242,650,688, ,699,474,

33 National Gross Premium By Cresta Zone As at 30 Jun 2015 (in Billion IDR) 194, , ,517, ,568, , , , , ,373, , , , , , , , , , , , , , UY , , UY 2013 UY ,429, North Sumatera 49, , , , , , , South Sumatera West Java Central Java 29, , , East Java 468, , , Kalimantan 110, , Sulawesi Other Islands UY 2014 UY

34 National Gross Premium By Occupation As At 30/06/2015 Table 3.2 in IDR Occupation U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 23,897,315, ,419,229, ,917,831, ,913,072, ,213,841, COMMERCIAL C 758,200,033, ,139,753, ,714,074,272, ,279,907, ,342,544, INDUSTRIAL I 1,696,811,048, ,623,908,958, ,028,735,955, ,679,945,456, ,408,218, RESIDENTIAL R 342,414,007, ,921,694, ,108,506, ,512,252, ,734,869, T O T A L 2,821,322,404, ,645,389,635, ,251,836,566, ,242,650,688, ,699,474,

35 National Aggregate Exposure By Occupation As at 30 Jun 2015 ( In Billion IDR ) Industrial, 1,358,267, Industrial, 1,317,498, Industrial, 1,225,238, Commercial, 945,213, Residential, 317,218, Commercial, 543,583, UY 2011 Agricultural, 20,170, Residential, 232,487, Commercial, 452,326, Agricultural, 23,543, Residential, 230,100, UY 2013 Agricultural, 25,720, Industrial, 1,684,181, UY 2012 Industrial, 276,039, Commercial, 597,476, Agricultural, 19,270, Residential, 387,137, Commercial, 139,793, Agricultural, 1,597, Residential, 83,737, UY 2014 UY

36 National Gross Premium By Province As At 30/06/2015 Table 3.4 In IDR Province U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Amount % Amount % Amount % Amount % Amount % 01. NAD 87,633,935, ,339,609, ,000,089, ,609,783, ,080,010, SUMATERA UTARA 107,161,315, ,503,697, ,655,457, ,532,233, ,620,660, SUMATERA BARAT 41,474,958, ,233,293, ,756,638, ,752,878, ,061,908, RIAU 35,256,215, ,116,440, ,032,212, ,456,663, ,915,939, JAMBI 8,038,465, ,792,361, ,415,466, ,835,067, ,065,719, SUMATERA SELATAN 31,570,394, ,553,796, ,618,834, ,363,982, ,819,862, BENGKULU 7,255,605, ,246,317, ,816,378, ,308,556, ,982,852, LAMPUNG 37,249,898, ,937,679, ,697,993, ,305,588, ,786,272, KEP BANGKA-BELITUNG 2,757,422, ,395,498, ,399,197, ,927,025, ,203, KEPULAUAN RIAU 18,886,689, ,587,993, ,797,677, ,142,809, ,815,301, JAKARTA 669,813,175, ,194,044, ,093,334, ,739,103, ,367,105, JAWA BARAT 549,928,012, ,119,622, ,201,212,083, ,048,952, ,011,912, JAWA TENGAH 151,888,826, ,697,602, ,446,830, ,433,204, ,031,546, DIY 17,756,951, ,340,664, ,718,800, ,889,240, ,347,013, JAWA TIMUR 471,289,675, ,718,726, ,537,120, ,070,056, ,591,019, BANTEN 297,387,279, ,426,983, ,307,894, ,180,628, ,536,628, BALI 60,357,067, ,955,767, ,052,832, ,227,503, ,744,922, NUSA TENGGARA BARAT 5,152,954, ,087,522, ,803,236, ,598,527, ,615,570, NUSA TENGGARA TIMUR 2,433,951, ,237,699, ,811,438, ,536,858, ,427, KALIMANTAN BARAT 6,292,796, ,585,406, ,697,153, ,747,928, ,336, KALIMANTAN TENGAH 10,262,245, ,662,231, ,818,984, ,437,652, ,040, KALIMANTAN SELATAN 23,762,331, ,300,017, ,466,701, ,451,109, ,422,796, KALIMANTAN TIMUR 63,327,410, ,100,456, ,413,708, ,738,947, ,204,352, SULAWESI UTARA 37,726,468, ,023,484, ,273,037, ,876,898, ,401,661, SULAWESI TENGAH 3,453,309, ,327,226, ,867,207, ,112,014, ,555,642, SULAWESI SELATAN 24,634,050, ,691,959, ,396,199, ,859,578, ,265,713, SULAWESI TENGGARA 10,519,505, ,819,930, ,279,641, ,498,946, ,415,979, GORONTALO 25,429,339, ,899,410, ,065,456, ,905,177, ,234, SULAWESI BARAT 1,406,530, ,676,539, ,927,480, ,455,660, ,469, MALUKU 1,761,141, ,361,244, ,455,919, ,242,062, ,631,640, MALUKU UTARA 1,055,956, ,480,820, ,040,331, ,653,435, ,110, PAPUA BARAT 3,177,814, ,138,537, ,219,806, ,694,917, ,121, PAPUA 5,220,709, ,837,049, ,741,420, ,017,694, ,412,496, T O T A L 2,821,322,404, ,645,389,635, ,251,836,566, ,242,650,688, ,699,474,

37 National Gross Premium By Class Construction As At 30/06/2015 Table 3.5 in IDR Class Construction U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Amount % Amount % Amount % Amount % Amount % Com: Steel, Wood, RC 9 2,384,154,318, ,280,990,053, ,903,188,186, ,691,987,105, ,915,437, Com: Steel, Wood, RC > 9 392,241,038, ,752,411, ,198,811, ,221,321, ,352,755, Com: Others 1,759,846, ,722,471, ,779,732, ,909,311, ,463, DW: Steel, Wood, RC up to 3 storeys 43,002,828, ,758,363, ,563,123, ,152,941, ,987,266, DW: Others 164,371, ,335, ,713, ,007, ,551, T O T A L 2,821,322,404, ,645,389,635, ,251,836,566, ,242,650,688, ,699,474, DEFINISI Konstruksi Commercial Objek pertanggungan dengan kode okupasi selain rumah tinggal (Kode Okupasi selain 2976) Com: Steel, Wood, RC 9 Konstruksi bangunan menggunakan rangka Baja, Kayu, Beton Bertulang, dengan jumlah lantai sampai dengan 9 lantai Com: Steel, Wood, RC > 9 Konstruksi bangunan menggunakan rangka Baja, Kayu, Beton Bertulang, dengan jumlah lantai lebih dari 9 lantai Com: Others Konstruksi bangunan tanpa menggunakan rangka Baja, Kayu, dan Beton Bertulang Dwelling House DW: Steel, Wood, RC DW: Others Objek pertanggungan rumah tinggal dengan kode okupasi 2976 (Semua kelas konstruksi) Konstruksi rumah tinggal yang menggunakan rangka Baja, Kayu, Beton Bertulang Konstruksi rumah tinggal tanpa menggunakan rangka Baja, Kayu,dan Beton Bertulang 24

38 National Gross Premium By Class Construction As at 30 Jun 2015 (in Billion IDR) Com: Steel, Wood, RC 9, 2,384, Com: Steel, Wood, RC 9, 3,903, Com: Steel, Wood, RC 9, 2,280, DW: Steel, Wood, RC up to 3 storeys, 43, DW: Others, Com: Others, 1, UY 2011 Com: Steel, Wood, RC > 9, 392, DW: Others, Com: Others, 7, DW: Steel, Wood, RC up to 3 storeys, 45, Com: Steel, Wood, RC > 9, 310, Com: Others, 7, Com: Steel, Wood, RC > 9, 293, DW: Others, DW: Steel, Wood, RC up to 3 storeys, 47, UY 2013 Com: Steel, Wood, RC 9, 3,691, UY 2012 Com: Steel, Wood, RC 9, 645, DW: Others, Com: Steel, Wood, RC > 9, 475, DW: Others, Com: Steel, Wood, RC > 9, 82, DW: Steel, Wood, RC up to 3 storeys, 72, Com: Others, 2, UY 2014 DW: Steel, Wood, RC up to 3 storeys, 20, Com: Others, UY

39 Number Of Risk By Cresta Zone As At 30/06/2015 Table 4.1 U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Cresta Zone Amount % Amount % Amount % Amount % Amount % A ACEH % % % % % MEDAN 1.2 5, % 6, % 6, % 7, % 1, % OTHERS 1.3 4, % 4, % 3, % 5, % % NORTH SUMATERA 1 10, % 11, % 11, % 12, % 3, % PADANG 2.1 9, % 10, % 10, % 12, % 3, % PALEMBANG 2.2 1, % 1, % 1, % 1, % % OTHERS , % 17, % 17, % 21, % 4, % SOUTH SUMATERA 2 27, % 29, % 30, % 35, % 9, % JAKARTA , % 36, % 47, % 48, % 10, % UNG 3.2 1, % 1, % 2, % 2, % % OTHERS , % 36, % 38, % 46, % 11, % WEST JAVA 3 73, % 74, % 88, % 97, % 22, % SEMARANG % % % % % YOGYAKARTA 4.2 2, % 2, % 2, % 2, % % OTHERS 4.3 9, % 10, % 10, % 14, % 3, % CENTRAL JAVA 4 12, % 13, % 13, % 17, % 4, % SURABAYA 5.1 6, % 6, % 6, % 6, % 1, % OTHERS 5.2 7, % 7, % 8, % 11, % 1, % EAST JAVA 5 13, % 13, % 14, % 17, % 3, % KALIMANTAN 6 5, % 7, % 7, % 6, % % UJUNG PANDANG 7.1 1, % 1, % 2, % 1, % % OTHERS 7.2 7, % 6, % 6, % 6, % 1, % SULAWESI 7 8, % 8, % 8, % 8, % 1, % OTHER ISLANDS 8 12, % 14, % 14, % 16, % 4, % T O T A L 165, % 173, % 188, % 211, % 48, % 26

40 Number of Risk By Cresta Zone As at 30 Jun ,000 90,000 80,000 70,000 60,000 50,000 UY 2011 UY 2012 UY 2013 UY 2014 UY ,000 30,000 20,000 10,000 0 North Sumatera South Sumatera West Java Central Java East Java Kalimantan Sulawesi Other Islands 27

41 Number Of Risk By Occupation As At 30/06/2015 Table 4.2 Occupation U/Y 2011 % U/Y 2012 % U/Y 2013 % U/Y 2014 % U/Y 2015 % AGRICULTURAL A COMMERCIAL C 91, , , , , INDUSTRIAL I 14, , , , , RESIDENTIAL R 59, , , , , T O T A L 165, , , , ,

42 Number of Risk By Occupation As at 30 Jun 2015 Commercial, 91,426 Industrial, 14,997 Residential, 69,467 Agricultural, 482 Commercial, 94,389 Industrial, 17,099 Residential, 59,138 Industrial, 18,252 Commercial, 100,292 UY 2011 Agricultural, 379 Agricultural, 420 Residential, 61,189 UY 2013 Commercial, 109,009 Industrial, 3,079 Industrial, 17,159 UY 2012 Residential, 25,468 Agricultural, 420 Residential, 84,794 Commercial, 20,377 UY 2014 UY 2015 Agricultural, 59 29

43 Number Of Risk By Class Construction As At 30/06/2015 Table 4.3 Class Construction U/Y 2011 % U/Y 2012 % U/Y 2013 % U/Y 2014 % U/Y 2015 % Com: Steel, Wood, RC 9 121, , , , , Com: Steel, Wood, RC > 9 4, , , , , Com: Others 4, , , , DW: Steel, Wood, RC up to 3 storeys 35, , , , , DW: Others T O T A L 165, , , , , DEFINISI Konstruksi Commercial Objek pertanggungan dengan kode okupasi selain rumah tinggal (Kode Okupasi selain 2976) Com: Steel, Wood, RC 9 Konstruksi bangunan menggunakan rangka Baja, Kayu, Beton Bertulang, dengan jumlah lantai sampai dengan 9 lantai Com: Steel, Wood, RC > 9 Konstruksi bangunan menggunakan rangka Baja, Kayu, Beton Bertulang, dengan jumlah lantai lebih dari 9 lantai Com: Others Konstruksi bangunan tanpa menggunakan rangka Baja, Kayu, dan Beton Bertulang Dwelling House DW: Steel, Wood, RC DW: Others Objek pertanggungan rumah tinggal dengan kode okupasi 2976 (Semua kelas konstruksi) Konstruksi rumah tinggal yang menggunakan rangka Baja, Kayu, Beton Bertulang Konstruksi rumah tinggal tanpa menggunakan rangka Baja, Kayu,dan Beton Bertulang 30

44 Number of Risk By Class Construction As at 30 Jun 2015 Com: Steel, Wood, RC > 9, 4,312 Com: Others, 4,436 Com: Steel, Wood, RC > 9, 5,613 Com: Others, 10,409 Com: Steel, Wood, RC 9, 139,099 DW: Steel, Wood, RC up to 3 storeys, 35,795 DW: Steel, Wood, RC up to 3 storeys, 35,211 Com: Steel, Wood, RC 9, 121,236 DW: Others, 175 DW: Steel, Wood, RC up to 3 storeys, 33,969 Com: Steel, Wood, RC > 9, 5,220 Com: Steel, Wood, RC 9, 121,689 DW: Others, 96 DW: Others, 161 Com: Others, 10,109 UY 2011 UY 2013 Com: Steel, Wood, RC > 9, 18,074 Com: Others, 1,639 UY 2012 Com: Steel, Wood, RC 9, 32,654 Com: Steel, Wood, RC > 9, 1,582 Com: Others, 220 Com: Steel, Wood, RC 9, 144,726 DW: Steel, Wood, RC up to 3 storeys, 46,645 DW: Steel, Wood, RC up to 3 storeys, 14,450 DW: Others, 298 UY 2014 UY 2015 DW: Others, 77 31

45 Claim Frequency by Cresta Zone As At 30/06/2015 Table 5.1 Cresta Zone U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Amount % Amount % Amount % Amount % Amount % A ACEH % 6 40% 1 2% 0 0% 0 0% MEDAN % 2 13% 0 0% 0 0% 0 0% OTHERS % 0 0% 0 0% 0 0% 0 0% NORTH SUMATERA % 8 53% 1 2% 0 0% 0 0% PADANG % 0 0% 1 2% 1 11% 0 0% PALEMBANG % 0 0% 0 0% 0 0% 0 0% OTHERS % 1 7% 1 2% 0 0% 0 0% SOUTH SUMATERA % 1 7% 2 4% 1 11% 0 0% JAKARTA % 0 0% 0 0% 0 0% 0 0% UNG % 0 0% 1 2% 0 0% 0 0% OTHERS % 1 7% 0 0% 0 0% 0 0% WEST JAVA 3 2 2% 1 7% 1 2% 0 0% 0 0% SEMARANG % 0 0% 0 0% 0 0% 0 0% YOGYAKARTA % 0 0% 5 9% 0 0% 0 0% OTHERS % 0 0% 6 11% 0 0% 0 0% CENTRAL JAVA 4 0 0% 0 0% 11 19% 0 0% 0 0% SURABAYA % 0 0% 0 0% 0 0% 0 0% OTHERS % 0 0% 39 68% 3 33% 0 0% EAST JAVA 5 0 0% 0 0% 39 68% 3 33% 0 0% KALIMANTAN 6 0 0% 0 0% 0 0% 0 0% 0 0% UJUNG PANDANG % 0 0% 0 0% 0 0% 0 0% OTHERS % 2 13% 0 0% 3 33% 0 0% SULAWESI 7 1 1% 2 13% 0 0% 3 33% 0 0% OTHER ISLANDS % 3 20% 3 5% 2 22% 0 0% T O T A L % % % 9 100% 0 0% 32

46 Claim Frequency By Cresta Zone As at 30 June North Sumatera South Sumatera West Java Central Java 30 East Java Kalimantan Sulawesi Other Islands UY 2011 UY 2012 UY 2013 UY 2014 UY

47 Claim Frequency by Occupation As At 30/06/2015 Table 5.2 Occupation U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 AGRICULTURAL A COMMERCIAL C INDUSTRIAL I RESIDENTIAL R T O T A L

48 Claim Frequency By Occupation As at 30 June Agricultural Commercial Industrial Residential UY 2011 UY 2012 UY 2013 UY 2014 UY

49 Claim by Cresta Zone As At 30/06/2015 Table 5.4 In IDR Cresta Zone U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Amount % Amount % Amount % Amount % Amount % A ACEH ,816, ,430,714, ,985, MEDAN ,659, ,936, OTHERS ,092, NORTH SUMATERA 1 616,569, ,445,651, ,985, PADANG ,390, ,706, ,000, PALEMBANG OTHERS 2.3 2,960,841, ,000, ,995, SOUTH SUMATERA 2 2,990,231, ,000, ,701, ,000, JAKARTA UNG ,353, ,495, OTHERS 3.3 7,100, ,438, WEST JAVA 3 74,453, ,438, ,495, SEMARANG YOGYAKARTA ,500,455, OTHERS ,104,464, CENTRAL JAVA ,604,919, SURABAYA OTHERS ,370,076, ,029, EAST JAVA ,370,076, ,029, KALIMANTAN UJUNG PANDANG OTHERS 7.2 6,662, ,942, ,076, SULAWESI 7 6,662, ,942, ,076, OTHER ISLANDS 8 2,967,135, ,510, ,394, ,410, T O T A L 6,655,052, ,720,541, ,062,572, ,297,516,

50 Claim By Cresta Zone As at 30 June 2015 South Sumatera, 2, West Java, East Java, 0.00 Kalimantan, 0.00 Sulawesi, 6.66 Central Java, 0.00 ( In Million IDR ) East Java, 277, North Sumatera, 1, Other Islands, North Sumatera, UY 2011 Other Islands, 2, Other Islands, Central Java, 0.00 West Java, South Sumatera, Sulawesi, East Java, 0.00 Kalimantan, 0.00 South Sumatera, Central Java, 30, West Java, Kalimantan, 0.00 North Sumatera, Sulawesi, 0.00 UY 2013 UY 2012 Sulawesi, East Java, South Sumatera, West Java, 0.00 North Sumatera, 0.00 Central Java, 0.00 Kalimantan, 0.00 Other Islands, UY 2014 Sulawesi, 0.00 Central Java, 0.00 North Sumatera, 0.00 Other Islands, 0.00 West Java, 0.00 South Sumatera, 0.00 East Java, 0.00 Kalimantan, 0.00 UY

51 Claim by Occupation As At 30/06/2015 Table 5.5 In IDR Occupation U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A COMMERCIAL C 6,375,313, ,670,541, ,212,972, ,228,599, INDUSTRIAL I ,750,356, RESIDENTIAL R 279,739, ,000, ,244, ,916, T O T A L 6,655,052, ,720,541, ,062,572, ,297,516,

52 Commercial 95.80% Claim By Occupation As at 30 June 2015 Commercial 99.40% Commercial 97.09% Agricultural 0.00% Industrial 0.57% Residential 4.20% Industrial 0.00% Residential 0.03% Agricultural 0.00% UY 2011 Industrial 0.00% Residential 2.91% Agricultural 0.00% UY 2013 Commercial 94.69% UY 2012 Industrial 0.00% Residential 5.31% Agricultural 0.00% Commercial 0.00% Industrial 0.00% Residential 0.00% Agricultural 0.00% UY 2014 UY

53 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : OCCUPATION :ALL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,024, , , , , , , , ,205, , , , , , , , ,660, , , , , , , , ,530, , , , , , , , ,480, , , , , , , ,963, ,444, , , , UP 2, , ,266, ,710, , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 40

54 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2015 OCCUPATION : ALL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 41

55 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2014 OCCUPATION : ALL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,845, , , UP , ,396, ,242, , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 42

56 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2013 OCCUPATION : ALL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,657, , , , UP , ,594, ,251, , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 43

57 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2012 OCCUPATION : ALL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,327, , , UP , ,317, ,645, , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 44

58 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR :2011 OCCUPATION :ALL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,209, , , UP , ,611, ,821, , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 45

59 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2015 OCCUPATION : AGRICULTURAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 46

60 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2015 OCCUPATION : COMMERCIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 47

61 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2015 OCCUPATION : INDUSTRIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 48

62 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2015 OCCUPATION : RESIDENTIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 49

63 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2014 OCCUPATION : AGRICULTURAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 50

64 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2014 OCCUPATION : COMMERCIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 51

65 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2014 OCCUPATION : INDUSTRIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , ,925, ,679, (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 52

66 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2014 OCCUPATION : RESIDENTIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 53

67 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2013 OCCUPATION : AGRICULTURAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 54

68 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2013 OCCUPATION : COMMERCIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , ,106, ,714, , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 55

69 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2013 OCCUPATION : INDUSTRIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , ,328, ,028, , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 56

70 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2013 OCCUPATION : RESIDENTIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 57

71 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2012 OCCUPATION : AGRICULTURAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 58

72 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2012 OCCUPATION : COMMERCIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 59

73 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2012 OCCUPATION : INDUSTRIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , ,034, ,623, (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 60

74 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR : 2012 OCCUPATION : RESIDENTIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 61

75 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR :2011 OCCUPATION :AGRICULTURAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 62

76 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR :2011 OCCUPATION :COMMERCIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 63

77 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR :2011 OCCUPATION :INDUSTRIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , ,152, ,696, (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 64

78 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE As At 30/06/2015 UNDERWRTING YEAR :2011 OCCUPATION :RESIDENTIAL PROCESSING DATE 27/07/2015 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) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , , (j) f CLAIM FREQUENCY F (l) (m)/ (m) (n) rp INCURED CLAIM (In million Rp) Rp (p) (q)/ (q) ('r) LOSS RATIO (p)/(h) q/i 65

79 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 30/06/2015 UNDERWRITING YEAR : 2011 PROCESSING DATE : POLICY STATUS : A;C;E;N;R 27/07/2015 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 4,799,061,565, ,616,473, ,816, MEDAN ,652,172,698, ,849,290, , ,659, OTHERS ,732,449,809, ,329,486, , ,092, NORTH SUMATERA 1 150,183,684,073, ,795,250, , ,569, PADANG ,558,741,293, ,870,980, , ,390, PALEMBANG ,670,152,211, ,648,819, , OTHERS ,060,615,053, ,969,849, , ,960,841, SOUTH SUMATERA 2 155,289,508,558, ,489,649, , ,990,231, JAKARTA ,501,709,083, ,813,175, , UNG 3.2 6,881,910,055, ,069,205, , ,353, OTHERS ,607,677,895, ,246,086, , ,100, WEST JAVA 3 1,078,991,297,034, ,517,128,468, , ,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 ,813,831,856, ,789,369, , EAST JAVA 5 387,951,181,339, ,289,675, , KALIMANTAN 6 123,120,604,752, ,644,783, , UJUNG PANDANG ,441,385,729, ,478,927, , OTHERS ,644,593,333, ,690,275, , ,662, SULAWESI 7 70,085,979,063, ,169,203, , ,662, OTHERS 8 55,306,297,043, ,159,595, , ,967,135, T O T A L 2,154,508,565,599, ,821,322,404, , ,655,052,

80 UNDERWRITING YEAR : 2012 PROCESSING DATE : 27/07/2015 POLICY STATUS : PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 30/06/2015 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 3,853,109,114, ,270,770, ,430,714, MEDAN ,461,037,801, ,028,982, , ,936, OTHERS ,046,371,005, ,543,554, , NORTH SUMATERA 1 83,360,517,922, ,843,306, , ,445,651, PADANG ,866,092,244, ,565,026, , PALEMBANG ,924,640,233, ,692,460, , OTHERS ,125,533,745, ,605,893, , ,000, SOUTH SUMATERA 2 171,916,266,223, ,863,380, , ,000, JAKARTA ,151,129,341, ,194,044, , UNG ,941,392,878, ,342,793, , OTHERS ,965,204,624, ,203,812, , ,438, WEST JAVA 3 1,066,057,726,845, ,568,740,650, , ,438, SEMARANG 4.1 7,032,671,423, ,721,154, YOGYAKARTA 4.2 9,213,654,452, ,027,570, , OTHERS ,486,294,341, ,289,542, , CENTRAL JAVA 4 118,732,620,217, ,038,267, , SURABAYA ,352,975,158, ,104,661, , OTHERS ,015,661,096, ,614,064, , EAST JAVA 5 260,368,636,254, ,718,726, , KALIMANTAN 6 101,269,813,257, ,648,111, , UJUNG PANDANG ,366,655,119, ,898,401, , OTHERS ,890,334,194, ,540,150, , ,942, SULAWESI 7 64,256,989,313, ,438,551, , ,942, OTHERS 8 65,246,834,197, ,098,640, , ,510, T O T A L 1,931,209,404,232, ,645,389,635, , ,720,541,

81 UNDERWRITING YEAR : 2013 PROCESSING DATE : 27/07/2015 POLICY STATUS : PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 30/06/2015 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 4,584,417,825, ,671,562, ,985, MEDAN ,542,841,695, ,410,152, , OTHERS ,388,292,913, ,573,831, , NORTH SUMATERA 1 101,515,552,434, ,655,546, , ,985, PADANG ,019,846,969, ,062,491, , ,706, PALEMBANG ,991,302,055, ,281,721, , OTHERS ,261,108,880, ,190,187, , ,995, SOUTH SUMATERA 2 200,272,257,906, ,534,399, , ,701, JAKARTA ,924,032,664, ,093,334, , UNG ,455,800,182, ,279,558, , ,495, OTHERS ,495,125,173, ,664,240,419, , WEST JAVA 3 1,414,874,958,020, ,373,613,311, , ,495, SEMARANG 4.1 8,708,673,384, ,545,367, YOGYAKARTA 4.2 8,527,858,959, ,260,675, , ,500,455, OTHERS ,192,546,432, ,359,588, , ,104,464, CENTRAL JAVA 4 153,429,078,776, ,165,631, , ,604,919, SURABAYA ,296,159,313, ,078,486, , OTHERS ,084,798,977, ,458,633, , ,370,076, EAST JAVA 5 237,380,958,290, ,537,120, , ,370,076, KALIMANTAN 6 128,063,585,552, ,396,548, , UJUNG PANDANG ,056,704,460, ,160,625, , OTHERS ,155,028,523, ,648,397, , SULAWESI 7 53,211,732,983, ,809,022, , OTHERS 8 316,902,549,313, ,124,986, , ,394, T O T A L 2,605,650,673,277, ,251,836,566, , ,062,572,

82 UNDERWRITING YEAR : 2014 PROCESSING DATE : 27/07/2015 POLICY STATUS : PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 30/06/2015 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 6,358,619,953, ,949,221, MEDAN ,960,197,728, ,452,259, , OTHERS ,050,764,200, ,740,535, , NORTH SUMATERA 1 109,369,581,882, ,142,016, , PADANG ,477,769,570, ,678,295, , ,000, PALEMBANG ,812,054,223, ,556,779, , OTHERS ,058,254,439, ,857,497, , SOUTH SUMATERA 2 229,348,078,233, ,092,572, , ,000, JAKARTA ,708,345,423, ,739,103, , UNG 3.2 9,865,031,172, ,845,074, , OTHERS ,594,173,548, ,523,384,506, , WEST JAVA 3 1,426,167,550,144, ,429,968,684, , SEMARANG 4.1 6,094,897,525, ,451,156, YOGYAKARTA ,606,090,868, ,074,808, , OTHERS ,412,503,264, ,796,480, , CENTRAL JAVA 4 159,113,491,658, ,322,445, , SURABAYA ,159,355,434, ,272,703, , OTHERS ,891,208,794, ,797,353, , ,029, EAST JAVA 5 428,050,564,228, ,070,056, , ,029, KALIMANTAN 6 104,335,917,881, ,375,638, , UJUNG PANDANG ,486,486,598, ,461,587, , OTHERS ,822,471,621, ,246,688, , ,076, SULAWESI 7 132,308,958,219, ,708,276, , ,076, OTHERS 8 99,370,933,137, ,970,999, , ,410, T O T A L 2,688,065,075,386, ,242,650,688, , ,297,516,

83 UNDERWRITING YEAR : 2015 PROCESSING DATE : 27/07/2015 POLICY STATUS : PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE As At 30/06/2015 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 ,976,230, ,159, MEDAN ,266,930,733, ,193,346, , OTHERS 1.3 5,459,716,930, ,615,166, NORTH SUMATERA 1 21,182,623,893, ,700,671, , PADANG 2.1 4,343,731,570, ,940,483, , PALEMBANG 2.2 2,704,718,148, ,074,991, OTHERS ,600,541,769, ,996,586, , SOUTH SUMATERA 2 36,648,991,489, ,012,060, , JAKARTA ,243,160,461, ,367,105, , UNG 3.2 3,383,533,867, ,152,691, OTHERS ,486,957,797, ,395,849, , WEST JAVA 3 293,113,652,126, ,915,647, , SEMARANG ,040,937, ,158,646, YOGYAKARTA 4.2 2,202,243,172, ,398,558, OTHERS ,491,815,108, ,821,354, , CENTRAL JAVA 4 38,566,099,219, ,378,560, , SURABAYA ,350,016,361, ,796,751, , OTHERS ,500,806,604, ,794,268, , EAST JAVA 5 50,850,822,966, ,591,019, , KALIMANTAN 6 19,654,791,173, ,367,525, UJUNG PANDANG 7.1 3,108,512,496, ,325,115, OTHERS ,501,222,198, ,191,585, , SULAWESI 7 13,609,734,695, ,516,700, , OTHERS 8 27,540,518,738, ,217,289, , T O T A L 501,167,234,303, ,699,474, ,

84 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION As At 30/06/2015 UNDERWRITING YEAR : 2011 PROCESSING DATE : 27/07/2015 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 543,583,034,082, ,200,033, , ,375,313, INDUSTRIAL I 1,358,267,696,554, ,696,811,048, , RESIDENTIAL R 232,487,528,168, ,414,007, , ,739, T O T A L 2,154,508,565,599, ,821,322,404, , ,655,052,

85 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION As At 30/06/2015 UNDERWRITING YEAR : 2012 PROCESSING DATE : 27/07/2015 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 452,326,550,885, ,139,753, , ,670,541, INDUSTRIAL I 1,225,238,409,045, ,623,908,958, , RESIDENTIAL R 230,100,851,529, ,921,694, , ,000, T O T A L 1,931,209,404,232, ,645,389,635, , ,720,541,

86 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION As At 30/06/2015 UNDERWRITING YEAR : 2013 PROCESSING DATE : 27/07/2015 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 25,720,200,428, ,917,831, COMMERCIAL C 945,213,315,483, ,714,074,272, , ,212,972, INDUSTRIAL I 1,317,498,327,917, ,028,735,955, , ,750,356, RESIDENTIAL R 317,218,829,447, ,108,506, , ,244, T O T A L 2,605,650,673,277, ,251,836,566, , ,062,572,

87 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION As At 30/06/2015 UNDERWRITING YEAR : 2014 PROCESSING DATE : 27/07/2015 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 19,270,163,312, ,913,072, COMMERCIAL C 597,476,872,879, ,279,907, , ,228,599, INDUSTRIAL I 1,684,181,022,050, ,679,945,456, , RESIDENTIAL R 387,137,017,143, ,512,252, , ,916, T O T A L 2,688,065,075,386, ,242,650,688, , ,297,516,

88 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION As At 30/06/2015 UNDERWRITING YEAR : 2015 PROCESSING DATE : 27/07/2015 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 1,597,018,054, ,213,841, COMMERCIAL C 139,793,099,008, ,342,544, , INDUSTRIAL I 276,039,374,566, ,408,218, , RESIDENTIAL R 83,737,742,672, ,734,869, , T O T A L 501,167,234,303, ,699,474, ,

89 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE As At 30/06/2015 UNDERWRITING YEAR : 2011 PROCESSING DATE : 27/07/2015 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 61,716,398,867, ,633,935, , ,250,620, ,250,620, SUMATERA UTARA 88,467,285,205, ,161,315, , ,606, ,606, SUMATERA BARAT 23,705,405,279, ,474,958, , ,675, ,675, RIAU 35,064,056,469, ,256,215, , JAMBI 8,231,659,638, ,038,465, , SUMATERA SELATAN 30,750,924,977, ,570,394, , BENGKULU 4,060,325,847, ,255,605, , ,898, ,898, LAMPUNG 27,534,812,464, ,249,898, , KEP BANGKA-BELITUNG 3,156,384,885, ,757,422, KEPULAUAN RIAU 22,785,938,996, ,886,689, , JAKARTA 464,501,709,083, ,813,175, , JAWA BARAT 401,042,121,827, ,928,012, , ,453, ,453, JAWA TENGAH 121,725,177,084, ,888,826, , DIY 11,854,836,649, ,756,951, , JAWA TIMUR 387,951,181,339, ,289,675, , BANTEN 213,447,466,123, ,387,279, , BALI 43,282,480,532, ,357,067, , ,817,135, ,817,135, NUSA TENGGARA BARAT 3,077,047,054, ,152,954, , NUSA TENGGARA TIMUR 1,617,483,032, ,433,951, KALIMANTAN BARAT 7,209,974,391, ,292,796, 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 20,475,241,127, ,726,468, , SULAWESI TENGAH 2,234,831,075, ,453,309, , SULAWESI SELATAN 24,508,942,520, ,634,050, , ,662, ,662, SULAWESI TENGGARA 9,114,245,475, ,519,505, GORONTALO 12,799,702,686, ,429,339, , 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 2,154,508,565,599, ,821,322,404, , ,655,052, ,655,052,

90 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE As At 30/06/2015 UNDERWRITING YEAR : 2012 PROCESSING DATE : 27/07/2015 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 8,242,681,344, ,339,609, , ,498,153, ,498,153, SUMATERA UTARA 75,117,836,577, ,503,697, , ,118, ,118, SUMATERA BARAT 26,868,884,213, ,233,293, , RIAU 33,207,775,421, ,116,440, , JAMBI 10,895,402,638, ,792,361, , SUMATERA SELATAN 40,818,497,980, ,553,796, , BENGKULU 4,433,571,477, ,246,317, , LAMPUNG 28,273,311,997, ,937,679, , KEP BANGKA-BELITUNG 3,770,377,555, ,395,498, KEPULAUAN RIAU 23,648,444,938, ,587,993, , JAKARTA 399,151,129,341, ,194,044, , JAWA BARAT 449,712,411,951, ,119,622, , JAWA TENGAH 107,296,512,601, ,697,602, , DIY 11,436,107,616, ,340,664, , JAWA TIMUR 260,368,636,254, ,718,726, , BANTEN 217,194,185,551, ,426,983, , BALI 50,116,926,207, ,955,767, , ,328, ,328, NUSA TENGGARA BARAT 3,836,383,475, ,087,522, , NUSA TENGGARA TIMUR 2,108,314,395, ,237,699, KALIMANTAN BARAT 6,288,814,178, ,585,406, , KALIMANTAN TENGAH 11,780,711,832, ,662,231, KALIMANTAN SELATAN 14,607,685,305, ,300,017, , KALIMANTAN TIMUR 68,592,601,941, ,100,456, , SULAWESI UTARA 11,198,365,054, ,023,484, , SULAWESI TENGAH 2,113,379,896, ,327,226, , SULAWESI SELATAN 26,708,791,622, ,691,959, , ,942, ,942, SULAWESI TENGGARA 9,050,080,341, ,819,930, GORONTALO 14,066,940,771, ,899,410, , SULAWESI BARAT 1,119,431,627, ,676,539, MALUKU 1,294,838,879, ,361,244, MALUKU UTARA 839,309,120, ,480,820, PAPUA BARAT 3,445,075,692, ,138,537, , PAPUA 3,605,986,426, ,837,049, , T O T A L 1,931,209,404,232, ,645,389,635, , ,720,541, ,720,541,

91 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE As At 30/06/2015 UNDERWRITING YEAR : 2013 PROCESSING DATE : 27/07/2015 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 9,005,631,873, ,000,089, , ,412, ,412, SUMATERA UTARA 92,509,920,560, ,655,457, , SUMATERA BARAT 37,123,475,274, ,756,638, , ,701, ,701, RIAU 48,542,834,210, ,032,212, , JAMBI 10,972,622,690, ,415,466, , SUMATERA SELATAN 40,439,584,412, ,618,834, , BENGKULU 4,865,040,259, ,816,378, , LAMPUNG 26,647,584,539, ,697,993, , KEP BANGKA-BELITUNG 4,527,818,073, ,399,197, KEPULAUAN RIAU 27,153,298,444, ,797,677, , JAKARTA 429,924,032,664, ,093,334, , JAWA BARAT 703,131,596,776, ,201,212,083, , ,495, ,495, JAWA TENGAH 141,980,875,350, ,446,830, , ,673, ,673, DIY 11,448,203,425, ,718,800, , ,873, ,873, JAWA TIMUR 237,380,958,290, ,537,120, , ,045,343, ,045,343, BANTEN 281,819,328,579, ,307,894, , BALI 301,787,423,262, ,052,832, , NUSA TENGGARA BARAT 4,518,812,817, ,803,236, , ,072, ,072, NUSA TENGGARA TIMUR 1,751,136,470, ,811,438, KALIMANTAN BARAT 7,941,811,616, ,697,153, , KALIMANTAN TENGAH 17,189,946,010, ,818,984, KALIMANTAN SELATAN 37,104,477,399, ,466,701, , KALIMANTAN TIMUR 65,827,350,525, ,413,708, , SULAWESI UTARA 16,568,658,936, ,273,037, , SULAWESI TENGAH 4,184,131,470, ,867,207, , SULAWESI SELATAN 27,529,740,570, ,396,199, , SULAWESI TENGGARA 1,521,959,535, ,279,641, GORONTALO 2,120,342,428, ,065,456, SULAWESI BARAT 1,286,900,043, ,927,480, MALUKU 1,834,818,640, ,455,919, MALUKU UTARA 538,208,280, ,040,331, PAPUA BARAT 2,612,323,243, ,219,806, , PAPUA 3,859,826,598, ,741,420, , T O T A L 2,605,650,673,277, ,251,836,566, , ,062,572, ,062,572,

92 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE As At 30/06/2015 UNDERWRITING YEAR : 2014 PROCESSING DATE : 27/07/2015 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 10,502,439,335, ,609,783, , SUMATERA UTARA 98,867,142,547, ,532,233, , SUMATERA BARAT 40,486,344,266, ,752,878, , ,000, ,000, RIAU 55,840,220,411, ,456,663, , JAMBI 11,065,716,213, ,835,067, , SUMATERA SELATAN 42,679,527,268, ,363,982, , BENGKULU 5,523,126,676, ,308,556, , LAMPUNG 37,296,673,198, ,305,588, , KEP BANGKA-BELITUNG 6,068,796,886, ,927,025, KEPULAUAN RIAU 30,387,673,313, ,142,809, , JAKARTA 531,708,345,423, ,739,103, , JAWA BARAT 566,346,269,834, ,048,952, , JAWA TENGAH 141,193,794,174, ,433,204, , DIY 17,919,697,483, ,889,240, , JAWA TIMUR 428,050,564,228, ,070,056, , ,029, ,029, BANTEN 328,112,934,886, ,180,628, , BALI 73,893,929,884, ,227,503, , ,910, ,910, NUSA TENGGARA BARAT 11,264,593,036, ,598,527, , NUSA TENGGARA TIMUR 2,743,753,156, ,536,858, KALIMANTAN BARAT 11,790,089,041, ,747,928, , KALIMANTAN TENGAH 22,696,519,373, ,437,652, KALIMANTAN SELATAN 17,162,099,676, ,451,109, , KALIMANTAN TIMUR 52,687,209,790, ,738,947, , SULAWESI UTARA 14,917,784,138, ,876,898, , ,076, ,076, SULAWESI TENGAH 3,599,334,941, ,112,014, SULAWESI SELATAN 90,455,221,307, ,859,578, , SULAWESI TENGGARA 17,873,472,932, ,498,946, GORONTALO 2,498,949,922, ,905,177, SULAWESI BARAT 2,964,194,977, ,455,660, MALUKU 2,177,073,886, ,242,062, MALUKU UTARA 844,564,769, ,653,435, PAPUA BARAT 2,861,725,100, ,694,917, , ,500, ,500, PAPUA 5,585,293,303, ,017,694, , T O T A L 2,688,065,075,386, ,242,650,688, , ,297,516, ,297,516,

93 PT. Reasuransi MAIPARK Indonesia NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE As At 30/06/2015 UNDERWRITING YEAR : 2015 PROCESSING DATE : 27/07/2015 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 2,012,264,836, ,080,010, SUMATERA UTARA 19,170,359,057, ,620,660, , SUMATERA BARAT 5,986,661,675, ,061,908, , RIAU 8,856,689,069, ,915,939, JAMBI 1,855,347,995, ,065,719, SUMATERA SELATAN 4,826,759,985, ,819,862, BENGKULU 1,043,807,349, ,982,852, LAMPUNG 6,617,915,899, ,786,272, KEP BANGKA-BELITUNG 582,196,227, ,203, KEPULAUAN RIAU 6,879,613,286, ,815,301, JAKARTA 114,243,160,461, ,367,105, , JAWA BARAT 123,947,669,414, ,011,912, , JAWA TENGAH 35,736,117,316, ,031,546, , DIY 2,829,981,902, ,347,013, , JAWA TIMUR 50,850,822,966, ,591,019, , BANTEN 54,922,822,250, ,536,628, , BALI 22,640,921,910, ,744,922, , NUSA TENGGARA BARAT 909,288,695, ,615,570, NUSA TENGGARA TIMUR 394,355,918, ,427, KALIMANTAN BARAT 490,115,703, ,336, KALIMANTAN TENGAH 304,926,375, ,040, KALIMANTAN SELATAN 7,096,107,359, ,422,796, KALIMANTAN TIMUR 11,763,641,735, ,204,352, SULAWESI UTARA 2,291,081,855, ,401,661, SULAWESI TENGAH 2,104,338,920, ,555,642, SULAWESI SELATAN 7,721,022,935, ,265,713, SULAWESI TENGGARA 975,672,830, ,415,979, GORONTALO 230,375,284, ,234, SULAWESI BARAT 287,242,868, ,469, MALUKU 859,816,826, ,631,640, MALUKU UTARA 209,433,216, ,110, PAPUA BARAT 506,878,796, ,121, PAPUA 2,019,823,375, ,412,496, T O T A L 501,167,234,303, ,699,474, ,

94 Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 30 Juni 2015 Indonesian Earthquake Distribution by Province, Underwriting Year 2015, as at 30 June

95 Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2015 Indonesian Earthquake Distribution M > 5 and Claim Incurred