Statistik Asuransi Gempa Bumi Indonesia 2010

Transkripsi

1 PT. ASURANSI MAIPARK INDONESIA Statistik Asuransi Gempa Bumi Indonesia 2010 Indonesian Earthquake Insurance Statistic 2010] i w w w. m a i p a r k. c o m

2 Kata Pengantar Foreword Sesuai dengan tujuan pendiriannya, MAIPARK selalu berusaha melakukan inovasi dalam memberikan pelayanan terbaik bagi industri asuransi Indonesia dalam hal ilmu dan statistik mengenai risiko bencana. Inovasi terus kami lakukan untuk menyempurnakan laporan statistik ini, sehingga menjadi lebih akurat, rinci dan komperhensif. Berikut kami sajikan laporan Statistik Asuransi Gempa Bumi Indonesia yang mencakup : o Inovasi terhadap sistem dan proses pengolahan data statistik. o Peta Kejadian Gempa Bumi Indonesia. o Peta Exposure Gempa Bumi Indonesia. o Penggolongan tersendiri atas risiko multi lokasi, dalam laporan profile risiko dan klaim. o Analisa asuransi gempa terkait kondisi makro ekonomi. o Analisa seismitas terkini. o Laporan dengan dua bahasa (Bahasa Indonesia Bahasa Inggris). o Panel navigasi yang akan memudahkan dalam menelusuri laporan statistik ini. o Tabel, peta dan grafik yang kreatif. Dengan semangat Go Green, dan laporan tersebut disajikan dalam bentuk soft copy dan tidak lagi diproduksi dalam bentuk hard copy. Usaha yang kami lakukan dalam menyempurnakan laporan statistik ini tidak akan berarti apa - apa tanpa dukungan dari seluruh perusahaan asuransi. Data yang lengkap dan akurat akan sangat menentukan kualitas dari hasil statistik ini. In line with the intention of MAIPARK establishment, MAIPARK keeps on innovating to provide the best services for the Indonesia s insurance industry in terms of science and statistics on Catastrophe risks. We keep on doing innovation to make this statistics report more accurate, detailed and comprehensive. Herewith, we present Indonesian Earthquake Statistical Report of which include: o Inovation of the system and statistical data processing. o Map of Indonesian Earthquake Occurence. o Map of Indonesian Earthquake Exposure. o Separate classification of multi-location risks in Risk and Loss Profile report. o Analysis of earthquake insurance related to macro economic conditions. o Current Seismic Analysis. o Bilingual reports (Indonesian - English). o Navigation Panel to ease to trace the statistical report. o Creative tables, maps and graphs. With the spirit of "Go Green the report is presented in soft copy rather than hard copy. Our efforts to continously improve this statistic report are nothing without all insurance companies support. Complete and accurate data will greatly determine the quality of these statistical results. i

3 Kami berharap laporan statistik ini dapat memberikan manfaat tidak hanya bagi perusahaan asuransi yang menangani asuransi gempa bumi, namun juga berguna bagi industri Asuransi Umum di Indonesia. We hope that this statistic report is useful for both insurance companies having earthquake business and general insurance industry in Indonesia. Salam Inovasi MAIPARK!! Frans Sahusilawane President Director ii

4 Daftar Isi / Contents Kata Pengantar... i Daftar Isi... iii Informasi Statistik... vi Ikhtisar Asuransi Gempa Bumi Indonesia A.Pendahuluan... 1 B.Struktur Pasar... 1 C.Pertumbuhan Premi Bruto... 2 D.Jumlah Risiko... 6 E.Kontribusi Asuransi Gempa Bumi Indonesia... 7 F.Pertumbuhan Incurred Claim 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 Gross Premium Asuransi Gempa Bumi Indonesia... Tabel 3.1.Gross Premium Per Cresta Zone. 28 Tabel 3.2.Gross Premium Per Okupasi Tabel 3.3.Gross Premium Per Provinsi Jumlah Risiko Asuransi Gempa Bumi Indonesia... Tabel 4.1.Jumlah Risiko Per Cresta Zone Tabel 4.2.Jumlah Risiko Per Okupasi Klaim Asuransi Gempa Bumi Indonesia... Tabel Klaim Frekwensi Per Okupasi Tabel Klaim Frekwensi Per Cresta Zone Tabel Jumlah Klaim Per Okupasi Tabel Jumlah Klaim Per Cresta Zone.. 43 Foreword... i Table of Contents... iii Statistical Information... iv Summary of Indonesia Earthquake Insurance A.Introduction... 1 B.Market Structure... 1 C.Growth of Gross Premium... 2 D.Number of Risks... 6 E.Earthquake Insurance Contribution... 7 F.Growth of Incurred Claim Indonesia 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 Indonesia Earthquake Insurance Gross Premium... Table 3.1.Gross Premium By Cresta Zone.. 28 Table 3.2.Gross Premium By Occupation Table 3.3.Gross Premium By Province Indonesia Earthquake Insurance Number of Risks... Table 4.1.Number of Risk By Cresta Zone.. 33 Table 4.2.Number of Risk By Occupation Indonesia Earthquake Insurance Claim... Table Claim Frequency By Occupation 37 Table Claim Frequency By Cresta Zone Table Claim Amount By Occupation Table Claim Amount By Cresta Zone.. 43 iii

5 Profil Risiko dan Klaim... Tabel 6.1.Semua Tahun Underwriting, Semua Okupasi, Semua Cresta Zone Tabel 6.2. Tahun Underwriting 2010, Semua Okupasi, Semua Cresta Zone Tabel 6.3. Tahun Underwriting 2009, Semua Okupasi, Semua Cresta Zone Tabel 6.4. Tahun Underwriting 2008, Semua Okupasi, Semua Cresta Zone Tabel 6.5. Tahun Underwriting 2007, Semua Okupasi, Semua Cresta Zone Tabel 6.6. Tahun Underwriting 2006, Semua Okupasi, Semua Cresta Zone Profil Risiko dan Klaim Tahun Underwriting Okupasi Agricultural Okupasi Commercial Okupasi Industrial Okupasi Residential Profil Risiko dan Klaim Tahun Underwriting Okupasi Agricultural Okupasi Commercial Okupasi Industrial Okupasi Residential Profil Risiko dan Klaim Tahun Underwriting Okupasi Agricultural Okupasi Commercial Okupasi Industrial Okupasi Residential Profil Risiko dan Klaim Tahun Underwriting Okupasi Agricultural Okupasi Commercial Risk and Loss Profile... Table 6.1.All Underwriting Year, All Occupation, All Cresta Zone Table 6.2. Underwriting Year 2010, All Occupation, All Cresta Zone Table 6.3. Underwriting Year 2009, All Occupation, All Cresta Zone Table 6.4. Underwriting Year 2008, All Occupation, All Cresta Zone Table 6.5. Underwriting Year 2007, All Occupation, All Cresta Zone Table 6.5. Underwriting Year 2006, All Occupation, All Cresta Zone Risks and Loss Profile Underwriting Year Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Risks and Loss Profile Underwriting Year Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Risks and Loss Profile Underwriting Year Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Risks and Loss Profile Underwriting Year Agricultural Occupation Commercial Occupation iv

6 Okupasi Industrial Okupasi Residential Profil Risiko dan Klaim Tahun Underwriting Okupasi Agricultural Okupasi Commercial Okupasi Industrial Okupasi Residential Peta.7.1 Distribusi Kejadian Gempa di Indonesia Daftar Istilah... Industrial Occupation Residential Occupation Risks and Loss Profile Underwriting Year Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Map 7.1 Indonesia Earthquake Distribution of occurrences Glossaries... Lampiran 1. Tarif Asuransi Gempa Bumi Indonesia Skala First Loss Tabel Jangka Waktu Pertanggungan Kurang dari satu tahun Tabel Indemnitas... Attachments 1. Indonesia Earthquake Insurance Tariff First Loss Scale Short Period Table less than one year period Indemnity Table... v

7 Informasi Statistik Statistics Information 1. Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan posisi 31 Desember Sesi Limit 2.1. Limit Sesi didasarkan atas setiap risiko Yang dimaksud dengan setiap risiko (anyone risk) adalah akumulasi (aggregate) jumlah harga pertanggungan seluruh risiko pada lokasi yang sama untuk masingmasing perusahaan asuransi. Definisi setiap risiko atau setiap lokasi ditentukan oleh perusahaan asuransi atau penerbit polis sesuai dengan interpretasi perusahaan asuransi dalam underwriting polis kebakaran Besarnya Limit Sesi atas setiap risiko (any one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah sebagai berikut : Untuk daerah Jawa Barat, Banten dan DKI : 5% (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,500, (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis Untuk daerah Indonesia lainnya 25% (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,500, (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko setiap 1. Statistics are made based on Underwriting Year basis, which is recorded as at December Cession Limit 2.1. Cession Limit is based on any one risk Anyone risk is the accumulation of (aggregate) 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 interpretation of insurance companies in underwriting fire policy Cession Limit of any one risk for the combined material and business interruption damage are as follows: For West Java, Banten and DKI : 5% (five percent) of the total sum insured, a maximum of USD 2,500, (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer Others area within Indonesia are 25% (twenty five percent) of total sum insured, maximum of USD 2,500, (two million five hundred thousand U.S. Dollars) for each risk, each insurance company or policy issuer. vi

8 perusahaan asuransi atau penerbit polis Dalam hal penutupan secara First Loss Basis / Sub-limit, jumlah yang disesikan sebagaimana diatur dalam butir 2.3. diatas, dikalikan prosentase First Loss Basis / Sublimit Basis Bilamana risiko ditutup secara koasuransi, jumlah maksimum sesi dari semua Anggota ko-asuransi adalah sesuai dengan ketentuan yang diatur dalam 2.3. diatas. Sesi masingmasing 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 Tarif Premi 3.1. Penutupan dengan menggunakan Full Value Basis mengaplikasikan Tarif Premi Standar Gempa Bumi Indonesia (lampiran 1) 3.2. Penutupan dengan First Loss / Sub Limit Basis mengaplikasikan standar First Loss Scale (lampiran 2) 3.3. Perhitungan premi untuk penutupan kurang dari 12 (dua belas) bulan diberlakukan skala premi jangka pendek (lampiran 3) 3.4. Untuk perhitungan premi Bussiness Interruption diberlakukan Indemnity Period Scale (lampiran 4) 4. Obyek Pertanggungan 4.1. Obyek pertanggungan yang dapat disesikan adalah obyek pertanggungan asuransi kebakaran berupa : 2.4 In term of first loss basis / sub limit policies, the amount cessions are stipulated in item 2.3 above, then multiplied by the percentage of First Loss Basis / Sub-limit Basis. 2.5 For coinsurance policies, maximum cession from all members of coinsurance is stipulated in item 2.3 above. Each ceding company cedes proportionally depending on its share. In the even there are other policies on the same risk beside that coinsurance policy, insurer still can cede such risks subject to the maximum limit set out in item Premium Tariff 3.1. For the coverage of Full Value Basis, Indonesian earthquake rate standard is applied (attachment 1) The coverage First Loss / Sub Limit Basis uses standard First Loss Scale (attachment 2) Premium calculation for short period coverage is based on Short Period Scale (attachment 3) Premium calculation for business interruption is based on Indemnity Period Scale (attachment 4) 4. Insured Objects 4.1. Insured objects that can be ceded are insured objects in fire policy. such as : vii

9 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. 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. 6. Untuk kasus Multi Location Risk yang mengalami kesulitan dalam memberikan detail harga pertanggungan perlokasi maka dengan persetujuan AAUI pensesian risiko dan perhitungan premi dilakukan pada zona-zona tertentu. 7. Untuk menggambarkan premi dan harga pertanggungan yang sebenarnya dalam penutupan asuransi gempa bumi berdasarkan ko-asuransi, diharapkan agar seluruh anggota ko-asuransi mensesikan risiko gempa bumi tersebut Material damage : Buildings Foundations Excavation and the like Stocks Others Business Interruption Gross Profit Wages Increase in cost of working Others 4.2. Insured objects referred in item 4.1 are objects from direct business insurance, including coinsurance. Indirect businesses cannot be ceded. 5. Bordereaux Report. Bordereaux reports is submitted on a monthly basis for all risk underwritten in the month concerned and should be received by the end of the following month. 6. In the case of Multi Location Risks with no details of sum insured provided per location, the risk cession and its premium calculation specified zones after approved by AAUI. 7. In order to get overall pictures of each earthquake insurance covers, it is strongly hoped that all coinsurance members could cede the earthquake cession. viii

10 Ikhtisar Usaha Asuransi Gempa Bumi Indonesia Tahun 2010 Summary of Indonesian Earthquake Insurance Business Activities in 2010 A. Pendahuluan. Dengan mengukur Pendapatan Domestik Bruto (PDB) berdasarkan laporan yang dikeluarkan Biro Pusat Statistik dalam laporan triwulan nya, ternyata PDB nasional pada triwulan keempat 2010 meningkat sebesar 14,42% dari Rp ,40 triliun di tahun 2009 menjadi Rp ,91 triliun di tahun 2010 ini. Tingkat Pendapatan Domistik Bruto (PDB) Indonesia dalam lima tahun terakhir dapat dilihat pada grafik 1.1 dibawah ini A. Introduction By measuring its Gross Domestic Product (GDP) based on the quarterly report in 2010 issued by Statistic Centre Bureau, the national GDP has increased 14,42% or from Rp ,40 trillion in 2009 to Rp ,91 trillions in The level of Indonesia s Gross Domestic Product during the last five years is shown in graph 1.1 below. Pendapatan Domestik Bruto (PDB) Gross Domestik Product (GDP) Dalam Miliar Rupiah In Billion Rupiah Grafik 1.1 / Graph 1.1 B. Struktur Pasar. Maipark dimiliki oleh seluruh perusahaan asuransi dan reasuransi umum di Indonesia, Partisipasi kepada Maipark bersifat wajib. Datadata dalam laporan ini merupakan hasil dari sesi wajib statistik gempa bumi tersebut ditambah sesi bukan statistik. B. Market Structure. Maipark is owned by all general insurance and reinsurance companies in Indonesia. Participation to Maipark was made compulsory. All data in this report is generated from stastistical compulsory cession and non statistical cession. 1 P a g e

11 Per 31 Desember 2010, seperti yang dilaporkan oleh Bapepam LK Departemen Keuangan dalam laporan Indonesian insurance directory 2010, jumlah perusahaan asuransi dan reasuransi umum di Indonesia adalah 90 perusahaan. Dengan rincian 86 perusahaan asuransi umum dan 4 perusahaan reasuransi umum. Dari ke 86 perusahan asuransi umum ini, 20 diantaranya adalah perusahaan patungan. Sedangkan 66 sisanya adalah perusahaan swasta nasional. Dari 4 perusahaan reasuransi umum, kesemuanya adalah juga perusahaan swasta nasional. As at December 31, 2010, Based on the report in Indonesia Insurance Directory 2010 issued by Bapepam LK- Ministry of Finance, there are 90 insurance companies which consist of 86 general insurance companies and 4 reinsurance companies. 20 general insurance companies are joint venture and the remaining are private national companies. The four reinsurance companies are also private national. C. Pertumbuhan Premi Bruto Seiring dengan meningkatnya laju pertumbuhan ekonomi Indonesia, seperti yang terlihat dari pertumbuhan Pendapatan Domestik Bruto, pendapatan premi bruto asuransi gempa bumi pun meningkat dari tahun ke tahun. Sampai dengan posisi per 31 Desember 2010, pendapatan premi bruto untuk tahun underwriting 2006 adalah sebesar Rp Milliar. Premi Bruto untuk tahun underwriting 2007 tercatat sebesar Rp Milliar, sedangkan tahun underwriting 2008 adalah Rp milliar. Untuk tahun underwriting 2009 dan 2010 pendapatan premi bruto asuransi gempa bumi adalah sebesar Rp milliar dan Rp milliar. Angka-angka ini dipastikan akan terus bergerak naik karena pensesian yang masih terus berlanjut, terutama untuk tahun underwriting 2009 dan Jika mengasumsikan tidak ada pertumbuhan premi yang berarti pada tahun underwriting 2006, 2007 dan 2008, maka dapat dikatakan bahwa premi asuransi gempa bumi di tahun underwriting 2007 tumbuh sebesar 4,97% dibanding tahun 2006, sedangkan untuk tahun underwriting 2008 premi tumbuh sebesar 3,87% dari tahun sebelumnya. C. Gross Premium Growth As reflected in the development of Gross Domistik Product, the growth of the gross premium of earthquake insurance is in line with the growth of Indonesian economic every year. As at December , earthquake gross premium income for underwriting year 2006 is Rp billions. Gross premium for 2007 was booked for Rp billions. While underwriting year 2008 premium is Rp billions. Gross Premium for underwriting year 2009 and 2010 are Rp billions and Rp billions. This gross premium income will keep moving up because earthquake cession continues, especially for underwriting year 2009 and If there is no significant movement on the underwriting year 2006,2007,and 2008, the earthquake insurance premium for underwriting year 2007 would be 4,97% higher than underwriting year While premium growth for underwriting year 2008 is 3,87% higher than underwriting year P a g e

12 Tabel 1.1 dan grafik 1.2 berikut ini menggambarkan pertumbuhan premi bruto dari tahun ke tahun. Pertumbuhan Premi Bruto Asuransi Gempa Bumi Eathquake Gross Premium Growth Table 1.1 and graph 1.2 below show gross premium development from year to year. Underwriting Year Grafik 1.2 / Graph 1.2 Per / As At 31 December Dalam Miliar Rupiah In Billion Rupiah % 1,651 93% 1,697 96% 1,734 98% 1, % ,028 55% 1,790 96% 1,792 96% 1, % ,078 56% 1,803 93% 1, % ,126 58% 1, % , % Tabel 1.1 / Table 1.1 Dari tabel dan grafik diatas tampak bahwasannya pertumbuhan premi bruto asuransi gempa bumi pada tahun ke dua, untuk setiap tahun underwriting, rata-rata sudah mencapai lebih dari 90% dari maksimum pertumbuhannya. Pada setiap tahun underwriting, pelaporan sesi asuransi gempa bumi di tahun pertama, juga menunjukkan peningkatan. Untuk tahun underwriting 2006 tercatat rasio sebesar 47% dari total premi tahun underwriting tersebut. Angka ini meningkat tajam di tahun underwriting 2007 menjadi sebesar 55% dan terus menaik di tahun underwriting 2008 sebesar 56% dan tahun underwriting 2009 sebesar 58%. The table and graph above shows that, on average, the growth of gross premium income reaches over 90% maximum at its second underwriting year. For each underwriting year, earthquake insurance cession report at its first year shows increament. For underwriting year 2006, the ratio is only 47% from total. It increased more sharply than underwriting year 2007 to become 55% and keeps moving up at 56% for underwriting year 2008 and 58% for underwriting year P a g e

13 Kontribusi terbesar premi asuransi gempa bumi yang tercatat sampai dengan 31 Desember 2010 untuk tiap tahun underwriting masih menunjukkan tingginya tingkat pendapatan premi yang diperoleh dari okupasi industri, dengan rata-rata rasio pendapatan dalam 5 tahun terakhir underwriting sebesar 66% dari total premi. Diikuti oleh okupasi komersial dengan rasio sebesar 23% dan residensial sebesar 10%. Sedangkan okupasi agrikultural menyumbang hanya sebesar rata-rata 1% disetiap tahun underwriting. Meskipun okupasi agrikultural dan residensial memberikan kontribusi yang tidak sebesar okupasi industri ataupun komersial. Namun jika melihat pertumbuhan premi bruto disetiap tahun underwriting, kedua okupasi ini mengalami pertumbuhan premi yang cukup tinggi dan diatas rata-rata pertumbuhan premi semua okupasi disetiap tahunnya. Pertumbuhan yang cukup tinggi dan berlangsung tiap tahun pada okupasi residensial terjadi, baik itu jumlah maupun rasio kontribusi pada total pendapatan premi di setiap tahun underwriting. Dibanding dengan tahun underwriting 2006, pendapatan premi bruto dari okupasi residensial di tahun underwriting 2007 tumbuh hampir dua kali lipat. Pertumbuhan ini terus berlanjut meskipun tak sebesar pertumbuhan ditahun underwriting Di tahun underwriting 2010, dimana pensesian masih terus berlangsung, okupasi ini telah mengumpulkan pendapatan premi bruto sebesar Rp. 211,68 milliar. Angka ini diproyeksikan akan terus tumbuh hingga mencapai Rp. 350 milliar. Pertumbuhan premi yang cukup tinggi di okupasi agrikultural terlihat pada tahun underwriting 2008, dimana pendapatan premi tumbuh hampir 80% lebih besar dibanding tahun underwriting sebelumnya. Tabel 1.2 berikut ini menyajikan rincian premi bruto untuk tiap tahun underwriting berdasarkan okupasi. As at Desember , the highest earthquake premium contribution for each underwriting year is coming from industrial occupation, the average income ratio is 66% for the last five underwriting years. Followed by commercial occupation with ratio of 23% and 10% from residential occupation. The other side, agricultural occupation contributes only about 1% for each underwriting year. Although contributions of agricultural and residential occupation are not as high as industrial or commercial, their gross premiums still increase significantly every year. Their increaments of each underwriting year are even above average in all occupations combined. For residential occupation in each underwriting year, the significant increase are both on its total gross premium and its contribution ratio. The gross premium of residential for underwriting year 2007 is almost doubled comparing to that of underwriting year This growth continued although it is not as high as in underwriting year In underwriting year 2010, where cession continues, this occupation has produced Rp. 211,68 billions of gross premium income. This figure is projected to grow and reach Rp. 350 billions. The significant growth in agricultural occupation is in underwriting year 2008, where premium is 80% higher than previous underwriting year. This following table 1.2, shows detail gross premium for the last five years by occupation. 4 P a g e

14 Per / As At 31 Dec 2010 Sektor Ekonomi Premi Bruto Berdasarkan Okupasi Gross Premium By Occupation Tahun Underwriting / Underwriting Year Okupasi Agrikultur / Agricultural % % % % % Komersil /Commercial % % % % % Industri / Industrial 1, % 1, % 1, % 1, % 1, % Residensil / Residential % % % % % Total 1, , , , , Tabel 1.2 / Table 1.2 Dalam Miliar Rupiah In Billion Rupiah Dilihat dari distribusi premi berdasarkan cresta zone dalam 5 tahun underwriting terakhir, penyebaran risiko gempa bumi masih terpusat di zona 3 (DKI Jakarta dan Jawa Barat). Meskipun pendapatan premi masih terus dapat berubah dikarenakan pensesian masih terus berlangsung, namun terlihat tingkat rasio pada zona 3 ini terus beranjak naik dari 45% pada tahun underwriting 2006 menjadi 55% di tahun underwriting 2010 dengan rata-rata tiap tahun underwriting sebesar 50%. Jika zona 3 terus bertambah naik, penurunan justru terjadi pada zona 6 (Kalimantan). Penurunan ini tampak secara rasio maupun jumlah pendapatan premi brutonya, hal ini terlihat Dari tahun underwriting , dimana pada ketiga tahun underwriting ini, premi tidak akan banyak berubah. Pada tahun underwriting 2006, zona ini memberikan kontribusi sebesar 10%. Tingkat rasio ini terus turun pada setiap tahunnya, hingga hanya mencapai sebesar 5% pada tahun underwriting Pada zona lain, rasio distribusi premi untuk tiap tahun underwriting terlihat stabil. Seperti yang terlihat pada tabel 1.3 berikut ini. The premium distribution based on cresta zone for the last last 5 underwriting years is centralized in zone 3 (DKI Jakarta and West Java). The ratio is growing from 45% in underwriting year 2006 to 55% in underwriting year 2010 with the average of 50% each year. This is due to the cessions are still in process. While zone 3 is increasing, the decrease on the other hand occurred on zone 6 (Kalimantan) on both ratio and its earthquake gross premium. Underwriting year data of shows the decrease, where gross premium for these underwriting years remain steady. On underwriting year 2006, this zone contributes 10%. This contribution ratio keeps decreasing each underwriting year until only 5% contribution ratio on underwriting year On the other zones, premium distribution ratio for each underwriting year seems consistent as shown in table 1.3 below. 5 P a g e

15 Per / As At 31 Dec 2010 Premi Bruto Berdasarkan Zona Cresta Gross Premium By Cresta Zone Dalam Miliar Rupiah In Billion Rupiah Zona Cresta / Cresta Zone Tahun Underwriting / Underwriting Year Sumatera Wilayah Utara / North Sumatera % % % % % Sumatera Wilayah Selatan / South Sumatera % % % % % DKI & Jawa Barat / DKI & West Java % % % 1, % % DIY & Jawa Tengah / DIY & Central Java % % % % % Jawa Wilayah Timur / East Java % % % % % Kalimantan / Kalimantan % % % % % Sulawesi / Sulawesi % % % % % Wilayah Lainnya / Other Island % % % % % Total 1, , , , , Tabel 1.3 / Table 1.3 D. Jumlah Risiko Seiring dengan pertumbuhan jumlah premi bruto yang terus meningkat, jumlah risiko asuransi gempa bumi juga terus meningkat. Dari keempat okupasi yang ada, peningkatan yang cukup berarti terlihat pada okupasi residensial. Tabel dibawah ini menyajikan jumlah risiko, namun tidak termasuk risiko multilokasi yg tidak lengkap datanya. Dimana kami kesulitan memisahkannya untuk menjadi satu risiko. D. Number of Risks The gross premium of earthquake insurance grows as well as the number of earthquake risk. The growth of gross premium in residential keeps increasing as shown in the above table. This following table shows earthquake number of risks, excluding unidetified multi location risks. As we see it is difficult to separate them into single risk. Per / As At 31 Dec 2010 Okupasi Pertumbuhan Jumlah Risiko Asuransi Gempa Bumi Earthquake Insurance Risk Number Development Tahun Underwriting / Underwriting Year Tabel 1.4 / Table 1.4 Dalam Miliar Rupiah In Billion Rupiah Agricultural % % % % % Commercial 38, % 39, % 65, % 56, % 46, % Industrial 9, % 11, % 9, % 11, % 9, % Residential 23, % 31, % 36, % 41, % 36, % Total 71,611 82, , ,327 91,875 *) Tidak termasuk risiko multilokasi yang tidak terdefinisi secara lengkap / excluding unidentified multilocation risks Pertumbuhan gross premi yang terus meningkat pada okupasi residensial, tampak pada tabel diatas, pertumbuhan ini diiringi dengan peningkatan jumlah risikonya. Baik itu di tahun underwriting 2006, 2007, 2008 dan The gross premium grow is increasing on residential occupation, as shown by the above table. This growth is in line with the number of risks on residential occupation in underwriting year 2006, 2007, 2008 and P a g e

16 Peningkatan jumlah risiko juga dialami oleh okupasi komersial, meskipun dilihat dari tingkat pertumbuhan pendapatan premi brutonya tidaklah terlalu berubah banyak. The growth of number of risk also occurs in commercial occupation, despite less change in the premium. E. Kontribusi Asuransi Gempa Bumi Pertumbuhan yang dialami ekonomi Indonesia juga tampak dari pertumbuhan industri asuransi, baik itu asuransi jiwa maupun asuransi kerugian. Dalam catatan terakhir yang dikeluarkan oleh Biro Perasuransian Bapepam LK, dalam buku Perasuransian Indonesia 2009, tercatat penerimaan premi bruto asuransi di tahun 2009 meningkat sebesar 17,9% dari tahun sebelumnya menjadi Rp. 106,4 triliun. Rasio antara premi bruto terhadap Produk Domestik Bruto sebesar 1,9%. Pada tahun 2009, Asuransi kerugian dan reasuransi mencatat premi bruto sebesar Rp triliun, atau meningkat sebesar 6,08% dari tahun Di lini usaha asuransi properti sendiri pendapatan premi bruto tumbuh sebesar 4% menjadi Rp. 7,72 triliun. Asuransi gempa bumi merupakan bagian dari asuransi properti. Sebelumnya, asuransi gempa bumi hanyalah merupakan perluasan (ekstension) atas polis asuransi properti, namun sejak tahun 2007 telah ada Polis Standar Asuransi Gempa Bumi Indonesia (PSAGBI) yang memungkinkan asuransi gempa bumi ditutup secara terpisah. Dengan memproyeksi pendapatan premi bruto asuransi gempa bumi untuk tahun 2009 dan 2010, maka rata-rata kontribusi asuransi gempa bumi terhadap produk domistik bruto dalam lima tahun terakhir adalah sebesar 0,04%. Sedangkan, kontribusi asuransi gempa bumi terhadap penutupan asuransi property dalam lima tahun terakhir adalah sebesar 27,54%. Atau, dari tiga sampai empat penutupan asuransi property terdapat satu penutupan asuransi gempa bumi, baik itu yang hanya merupakan E. Earthquake Insurance Contribution Indonesian economic growth is reflected on its insurance industry s growth. On last publications of Indonesia Insurance 2009 issued by Indonesian Insurance Bureau, the gross premium for 2009 rose 17,9% to become Rp. 106,4 trillion. The ratio of gross premium to gross domestic product is about 1,9%. In 2009, gross premium of general insurance and reinsurance is Rp. 25,07 trillion, or increase for 6,08% from For property insurance itself, the gross premium increases for 4% than previous year and become Rp. 7,72 trillions. Earthquake insurance is a part of property insurance. At the beginning, earthquake insurance is only an extension of property insurance policy. Since 2007, there is Indonesian Earthquake Insurance Standard Policy which enables earthquake insurance policy to be covered separately. By projecting earthquake gross premium for year 2009 and 2010, the average earthquake contribution to gross domestic product for the last five years is about 0,04%. While, earthquake contribution to property insurance for the last five years is around 27,54%, it means that in every three or four property insurance issued, there is one earthquake cover, whether it is as a property insurance extension or a stand-alone policy. 7 P a g e

17 perluasan dari polis property maupun penutupan yang berdiri sendiri. Produk Domestik Bruto, Premi Bruto Asuransi Property yang bersumber dari penutupan langsung serta Premi Bruto Asuransi Gempa Bumi selama 2006 hingga 2010, dapat dilihat di tabel 1.5 berikut. Gross Domestic Product, gross property premium income from direct business and earthquake gross premium from 2006 to 2010 are shown in table 1.5 below: Produk Domistik Bruto,Premi Bruto Asuransi Property dan Premi Bruto Asuransi Gempa Bumi Gross Domestic Product, Property Gross Premium, and Earthquake Gross Premium Year Produk Domestik Bruto Gross Domistic Product Premi Bruto As. Properti - Penutupan Langsung Property Ins. Gross Premium - Direct Business Premi Bruto As. Gempa Bumi Earthquake Ins. Gross Premium *) Biro Pusat Statistik *) Perasuransian Indonesia 2008 In Billion IDR Growth In Billion IDR Growth In Billion IDR Growth ,338, % 5, % 1, % ,957, % 6, % 1, % ,954, % 7, % 1, % ,613, % 7, % 2,013 ** 104% ,442, % 8,730 ** 113% 2,093 ** 104% **) Nilai proyeksi / Projection value Tabel 1.5 / Table 1.5 Seperti yang terlihat dari penyebaran asuransi gempa bumi berdasarkan zona cresta, ternyata cresta 3 adalah pusat dari penyebaran asuransi gempa bumi di Indonesia. Jika dilihat per provinsi maka Provinsi DKI Jakarta, Jawa Barat dan Banten yang merupakan bagian dari cresta 3, adalah pusat-pusat provinsi asuransi gempa bumi. Dalam lima tahun terakhir,masing-masing provinsi tersebut menyumbang rata-rata sebesar 20%,17% dan 10% dari total pendapatan premi asuransi gempa bumi nasional. Diikuti oleh Provinsi Jawa Timur yang mencatat kontribusi sebesar rata-rata 14% dan Jawa Tengah dengan kontribusi rata-rata sebesar 7%. Di kepulauan Sumatera, Provinsi Riau, dengan pendapatan premi yang besar dari industri gas, minyak bumi serta kertas, mencatatkan diri sebagai penyumbang terbesar premi asuransi gempa bumi di kepulauan ini. Dengan kontribusi sebesar 4,24%, diikuti oleh provinsi sumatera As we can see the spread of the earthquake insurance by cresta zone, cresta 3 is the central spread of the Indonesian insurance. If we see the insurance earthquake spread by province, province of DKI Jakarta, West Java and Banten (all are in cresta 3) are the central province of earthquake insurance. Within the last five years, each province contribute the average of 20%,17%, and 10% of total national earthquake insurance premium. It is followed by province of East Java which contributed the average of 14%, and Central Java with the average of 7%. In Sumatera Island, Riau Province with gross premium income from oil, gas and pulp industries is the biggest producer of earthquake gross premium within this island. It contributes about 4,24%, followed by North Sumatera Province 3,68%,South Sumatera 2,4% and Lampung 1,35%. 8 P a g e

18 utara 3,68%, sumatera selatan 2,4% dan lampung 1,35%. Dari Pulau Kalimantan, Provinsi Kalimantan Timur merupakan penyumbang terbesar terhadap pendapatan premi asuransi gempa bumi dengan rasio sebesar 5,49% diikuti oleh Kalimantan tengah sebesar 1,52%. Tabel 1.6 dibawah ini menyajikan kontribusi pendapatan premi asuransi gempa bumi yang dibagi berdasarkan provinsi, catatan per tanggal 31 Desember In Kalimantan Island, province of East Kalimantan is top producer with 5,49% contribution. It is followed by Central Kalimantan which contributes about 1,52%. This following table 1.6 shows earthquake insurance contribution by province, as at December 31, Provinsi / Province Premi Bruto Asuransi Gempa Bumi Berdasarkan Provinsi Earthquake Gross Premium By Province Premi Bruto As. Gempa Bumi Earthquake Insurance Gross Premium *) As at 31 Dec 2010 Underwriting Year 2006 % 2007 % 2008 % 2009 % 2010 % 1 Nanggroe Aceh Darussalam 26, , , , , Sumatera Utara 66, , , , , Sumatera Barat 13, , , , , Riau 103, , , , , Jambi 4, , , , , Sumatera Selatan 54, , , , , Bengkulu 1, , , , , Lampung 15, , , , , Kepulauan Bangka Belitung , , , Kepulauan Riau 11, , , , , DKI Jakarta 333, , , , , Jawa Barat 285, , , , , Jawa Tengah 143, , , , , DI. Yogy akarta 5, , , , , Jawa Timur 246, , , , , Banten 170, , , , , Bali 27, , , , , Kalimantan Barat 1, , , , , Kalimantan Tengah 19, , , , , Kalimantan Selatan 2, , , , , Kalimantan Timur 159, , , , , Sulawesi Utara 4, , , , , Sulawesi Tengah 1, , , , , Sulawesi Selatan 17, , , , , Sulawesi Tenggara 36, , , , , Gorontalo , , Sulawesi Barat Nusa Tenggara Barat 1, , , , , Nusa Tenggara Timur Maluku , Maluku Utara Papua Barat 1, , , , , Papua 12, , , , , Tabel 1.6 / Table 1.6 Dalam Jutaan Rupiah In Million Rupiah 9 P a g e

19 Dari pengamatan saat ini untuk tiga tahun underwriting, 2006,2007 dan 2008, diasumsikan pertumbuhan premi di ketiga tahun underwriting tersebut tidak akan banyak berubah. Maka,meskipun tingkat penyebaran premi asuransi gempa bumi tertinggi berada di provinsi DKI Jakarta, dan Jawa Barat, ternyata jika dilihat dari kontribusi asuransi gempa bumi terhadap pendapatan domestik regional bruto, atau penetrasi asuransi per provinsi, menunjukkan bahwa kontribusi atau penetrasi tertinggi asuransi gempa bumi terhadap pendapatan regional masing-masing provinsi ada di provinsi Sulawesi Tenggara. Berdasarkan laporan Biro Pusat Statistik, produk regional bruto di provinsi Sulawesi Tenggara pada tahun 2008 sebesar Rp juta, dengan pendapatan gross premi asuransi gempa bumi sebesar Rp juta. Rata-rata penetrasi asuransi gempa bumi memberikan kontribusi pada tahun underwriting 2006, 2007, dan 2008 tersebut sebesar 0,20%. Kehadiran sektor pertambangan di provinsi ini memberikan kontribusi yang sangat besar terhadap pendapatan premi bruto asuransi gempa bumi pada provinsi ini. Meskipun demikian, kontribusi asuransi gempa bumi terhadap pendapatan regional domestik bruto (penetrasi asuransi) di Provinsi DKI Jakarta, dan Jawa Barat di tahun underwriting 2006, 2007 dan 2008 terbilang tinggi dan masih diatas rata-rata rasio penetrasi secara nasional. Penetrasi asuransi gempa bumi di provinsi DKI Jakarta adalah sebesar 0,064%, di provinsi Jawa Barat sebesar 0,056% Provinsi yang memiliki rasio tertinggi kedua setelah Sulawesi Tenggara adalah Provinsi Banten dengan rata-rata rasio setiap tahun underwriting sebesar 0,17%. Banyak industri yang menopang pendapatan premi asuransi gempa bumi di provinsi ini, seperti misalnya industri baja, listrik, kimia dan lain-lain. Jika pada provinsi Sulawesi Tengah sektor pertambangan memberikan kontribusi yang cukup besar terhadap pendapatan premi bruto asuransi gempa bumi, maka pada Provinsi Based on our recent observation on these three underwriting year, 2006, 2007 and 2008, it is assumed that the premium growth for those three underwriting years do not change much. Therefore, even though the highest level of premium spread is in DKI Jakarta and West Java, the highest contribution of earthquake insurance penetration towards each regional provincial income is in Southeast Sulawesi. Based on the report of Statistic Centre Bureau, gross regional product in Southeast Sulawesi in 2008 is Rp million with the gross earthquake premium income of Rp million. The average earthquake insurance penetration in underwriting year 2006, 2007 and 2008 is 0.20%. The existence of mining sectors in this province gives big contribution to earthquake gross premium income. However, the earthquake insurance penetration toward gross domestic regional income (insurance penetration)in DKI Jakarta and West Java in underwriting year 2006, 2007 and 2008 are higher than that of national insurance penetration. Earthquake insurance penetration in province DKI Jakarta is 0.064% and 0.056% for West Java. The second highest earthquake insurance penetration per province is Banten Province with average ratio each underwriting year of 0.17%. Many supporting industries contribute earthquake insurance premium, such as steels, electrics, chemicals and others. While Central Sulawesi has mining sector that contributes significantly to earthquake insurance premium, Central Kalimantan has plantation and forestry sectors which give significant gross 10 P a g e

20 Kalimantan Tengah, justru sektor perkebunan dan kehutanan yang memberikan kontribusi yang sangat signifikan dalam rasio pendapatan premi bruto terhadap produk domestik bruto di provinsi ini. Rata-rata rasio penetrasi pada provinsi ini dalam tahun underwriting 2006, 2007 dan 2008 adalah 0,10% Tingkat penetrasi asuransi gempa bumi di Provinsi Bali juga terlihat cukup tinggi dan berada diatas rata-rata nasional dengan tingkat rasio 0,08% Jika melihat data pendapatan premi bruto tahun underwriting 2009 dan 2010 yang telah dilaporkan dan memproyeksi pendapatan regional bruto, kemudian dibangingkan dengan rasio penetrasi di setiap provinsi pada tahun sebelumnya, ada beberapa provinsi yang menunjukkan pertumbuhan penetrasi asuransi gempa bumi yang cukup tinggi, seperti Provinsi Sulawesi Barat dan Sulawesi Utara, meskipun rasio penetrasi di kedua provinsi ini masih dibawah rata-rata rasio penetrasi nasional. Pada tahun underwriting 2006, 2007, 2008 tingkat penetrasi di provinsi Sulawesi Barat hanyalah sebesar 0,001%, 0,001%, 0,002% namun kemudian rasio penetrasi ini naik secara signifikan di tahun underwriting 2009, dan 2010 yang masih berjalan ini menjadi sebesar 0,008% dan 0,005%. Pertumbuhan yang cukup tinggi juga terjadi di provinsi Bengkulu, dan D.I. Yogyakarta. pada tahun underwriting 2006 penetrasi asuransi di provinsi Prov D.I. Yogyakarta adalah sebesar 0,019%, rasio ini bergerak naik di tahun underwriting 2007 dan 2008 menjadi sebesar 0,020%, 0,033%. Di tahun underwriting 2009 dan 2010, tingkat rasio penetrasi menunjukan pertumbuhan yang tinggi mencapai 0,036% di tahun underwriting 2009 dan 0,030% untuk tahun underwriting Untuk provinsi DKI Jakarta, Banten, Jawa Barat, Jawa Tengah, Jawa Timur, dan Sumatera Barat dari data tahun underwriting 2009 dan 2010 yang premium income ratio toward Gross Domestic Product of this province. The average penetration ratio in this province for underwriting year 2006,2007 and 2008 is 0,10%. Earthquake insurance penetration in Bali is also high and above national average ratio with the ratio of 0,08%. Having seen data of gross premium income of underwriting year 2009 and 2010 that are already reported and by forecasting Gross Domestic Regional Product, then comparing it to penetration ratio of previous year for each province, there are some provinces having significant growth of earthquake insurance penetration. These are West Sulawesi, and North Sulawesi, eventhough penetration ratios for these provinces are below average national earthquake penetration. The penetration ratios for underwriting year 2006, 2007 and 2008 are 0,001%, 0,001%, 0,002%. then for continuing underwriting year 2009 and 2010, these penetration ratios increase sharply to be 0,008% and 0,005%. A significant growth also occurs in Bengkulu and D.I. Yogyakarta. By underwriting year 2006, penetration ratio for D.I Yogyakarta is 0,019%. This ratio increases for 0,020% and 0,033% in underwriting year 2007 and For the underwriting year 2009 and 2010, penetration ratios show high development, 0,036% for underwriting year 2009 and 0,030% for underwriting year From data underwriting year 2009 and 2010, earthquake insurance penetration on DKI 11 P a g e

21 telah masuk, menunjukkan rasio penetrasi tidak akan banyak berubah. Pada Provinsi gorontalo, peningkatan rasio kontribusi asuransi gempa bumi terhadap produk bruto mulai terjadi di tahun underwriting Jika dilihat lebih lanjut pada data, bahwasannya kenaikan ini bersifat semu. Karena disebabkan pelaporan risiko multi lokasi yang dipusatkan di provinsi ini. Tabel 1.7 dibawah ini menyajikan penetrasi asuransi gempa bumi berdasarkan provinsi, dan peta 1.1 menunjukkan distribusi eksposure Asuransi gempa bumi di Indonesia untuk tahun underwriting 2010 berdasarkan provinsi, catatan per tanggal 31 Desember Jakarta, West Java, Central Java, East Java and West Sumatera seem steady. Gorontalo province also shows increasing earthquake insurance penetration, especially in underwriting year Having seen the data further, this increase was apparently caused by multi location risks that existed in this province. This following table of 1.7 shows earthquake insurance penetration per province, and map 1.1 shows Indonesia earthquake exposure distribution per province for underwriting year 2010 as at December 31, P a g e

22 Penetrasi Asuransi Gempa Bumi Berdasarkan Provinsi Earthquake Insurance Penetration By Province Produk Domestik Regional Bruto Atas Dasar Harga Berlaku Gross Domistic Regional Bruto at Current Price Penetrasi Asuransi Gempa Bumi Earthquake Insurance Penetration Provinsi / Province Dalam Jutaan Rupiah / In Million Rupiah *) Biro Pusat Statistik *) As at 31 Dec ** 2008 *** 2009 **** 2010 **** Nanggroe Aceh Darussalam 69,353,346 71,093,359 73,530,750 82,403,883 88,452, % 0.04% 0.01% 0.01% 0.02% 2 Sumatera Utara 160,376, ,819, ,931, ,928, ,314, % 0.04% 0.03% 0.03% 0.04% 3 Sumatera Barat 53,029,588 59,799,045 70,614,210 77,585,893 85,749, % 0.02% 0.03% 0.02% 0.02% 4 Riau 167,068, ,002, ,400, ,934, ,463, % 0.04% 0.03% 0.01% 0.01% 5 Jambi 26,061,774 32,076,677 39,665,532 43,339,241 48,533, % 0.01% 0.01% 0.08% 0.01% 6 Sumatera Selatan 95,928, ,895, ,358, ,939, ,584, % 0.05% 0.03% 0.03% 0.02% 7 Bengkulu 11,397,004 12,820,321 14,446,964 15,991,729 17,528, % 0.02% 0.04% 0.03% 0.03% 8 Lampung 49,118,989 60,921,966 74,490,599 81,380,367 91,076, % 0.03% 0.05% 0.04% 0.03% 9 Kepulauan Bangka Belitung 15,920,529 17,895,017 21,720,598 23,372,310 25,729, % 0.00% 0.02% 0.02% 0.00% 10 Kepulauan Riau 46,216,076 51,826,272 58,585,996 63,232,026 68,686, % 0.03% 0.03% 0.03% 0.02% 11 DKI Jakarta 501,584, ,449, ,445, ,887, ,522, % 0.06% 0.06% 0.06% 0.04% 12 Jawa Barat 473,187, ,608, ,420, ,672, ,752, % 0.06% 0.06% 0.06% 0.04% 13 Jawa Tengah 281,996, ,428, ,938, ,147, ,847, % 0.05% 0.03% 0.02% 0.02% 14 DI. Yogy akarta 29,417,349 32,916,736 38,102,133 41,480,232 45,453, % 0.02% 0.03% 0.04% 0.03% 15 Jawa Timur 470,627, ,919, ,581, ,085, ,341, % 0.05% 0.05% 0.04% 0.03% 16 Banten 97,867, ,499, ,497, ,373, ,417, % 0.16% 0.16% 0.16% 0.18% 17 Bali 37,388,485 42,336,424 49,922,604 53,594,708 58,620, % 0.08% 0.09% 0.10% 0.07% 18 Kalimantan Barat 37,714,997 42,478,601 48,414,405 52,226,786 56,820, % 0.00% 0.01% 0.01% 0.00% 19 Kalimantan Tengah 24,480,038 27,920,072 32,350,804 35,318,378 38,822, % 0.09% 0.14% 0.07% 0.03% 20 Kalimantan Selatan 34,670,494 39,438,767 45,515,623 48,675,356 52,937, % 0.01% 0.01% 0.01% 0.01% 21 Kalimantan Timur 199,588, ,364, ,220, ,265, ,876, % 0.06% 0.02% 0.02% 0.02% 22 Sulawesi Utara 21,216,491 24,081,132 27,842,986 30,390,805 33,345, % 0.02% 0.02% 0.04% 0.02% 23 Sulawesi Tengah 19,310,255 22,757,593 28,151,502 30,186,785 33,449, % 0.01% 0.01% 0.01% 0.00% 24 Sulawesi Selatan 60,902,824 69,271,925 85,143,191 91,855, ,684, % 0.03% 0.03% 0.03% 0.01% 25 Sulawesi Tenggara 15,270,351 17,953,074 22,173,885 24,364,429 27,242, % 0.19% 0.16% 0.04% 0.03% 26 Gorontalo 4,062,285 4,760,695 5,899,787 6,443,960 7,191, % 0.01% 0.01% 0.25% 0.24% 27 Sulawesi Barat 5,124,813 6,192,786 7,778,001 8,367,176 9,332, % 0.00% 0.00% 0.01% 0.01% 28 Nusa Tenggara Barat 28,596,882 33,522,225 35,261,677 39,263,293 42,670, % 0.01% 0.01% 0.01% 0.01% 29 Nusa Tenggara Timur 16,904,073 19,136,982 21,621,835 23,564,063 25,720, % 0.00% 0.00% 0.00% 0.00% 30 Maluku 5,079,837 5,698,799 6,269,710 6,804,755 7,361, % 0.01% 0.01% 0.01% 0.02% 31 Maluku Utara 2,818,417 3,160,042 3,856,362 4,023,057 4,378, % 0.02% 0.02% 0.01% 0.01% 32 Papua Barat 8,945,540 10,369,836 12,471,606 13,529,318 14,953, % 0.01% 0.01% 0.01% 0.01% 33 Papua 46,895,229 55,380,453 54,733,628 66,557,481 73,712, % 0.03% 0.01% 0.01% 0.00% Tabel 1.7 / Table 1.7 **) Angka Sementara, Sumber BPS / Rough figures, source : BPS ***) Angka Sangat Sementara, Sumber BPS / Estimate figures, source : BPS ****) Angka Proyeksi / Projected Figures 13 P a g e

23 Peta 1.1 / Map P a g e

24 F. Pertumbuhan Incurred Claim Yang dimaksud dengan Incurred claim adalah klaim dibayar ditambah dengan klaim yang masih dalam proses. Di Tahun 2010 ini pembayaran klaim atas peristiwa gempa bumi di pariaman yang terjadi pada tanggal 30 September 2009 masih terus berlangsung. Gempa bumi dengan skala 7,9 richter yang berpusat 57 kilometer barat daya kota pariaman ini tidak hanya menimbulkan korban jiwa, namun juga kerugian ekonomis yang sangat besar. Klaim yang terjadi dari kejadian gempa Pariaman yang disebabkan oleh tumbukan patahan dekat subduksi antara lempeng Australia dan lempeng Sunda ini pun terus meningkat. Jika per tanggal 31 Desember 2009 klaim yang terjadi berjumlah Rp. 835,38 milliar, maka per tanggal 31 Desember 2010 meningkat hampir dua kali lipat menjadi sebesar Rp ,45 milliar. Jika melihat tingkat kerugian yang ditimbulkan terhadap risiko asuransi sejak PT. Asuransi Maipark Indonesia terbentuk hingga tahun 2010 ini, klaim gempa Pariaman ini adalah yang terbesar. Berdasarkan catatan per 31 Desember 2010, kerugian asuransi akibat gempa dan tsunami Aceh 26 Desember 2004 hanyalah sebesar Rp. 612,28 milliar. Diikuti oleh gempa Yogyakarta, 27 Mei 2006, sebesar Rp.326,38 Milliar. Jumlah kerugian ekonomi gempa pariaman, seperti yang dilaporkan oleh wakil gubernur Sumatera Barat berdasarkan verifikasi final adalah sebesar Rp milliar. Hal ini berarti, industri asuransi memberikan kontribusi atas pemulihan ekonomi akibat gempa sebesar 6,67%. Sedangkan kontribusi asuransi gempa terhadap pendapatan regional bruto diprovinsi ini hanya 0,023%. Rasio ini menunjukkan bahwasannya asuransi merupakan alternative F. Growth of Incurred Claim What is meant by Claim incurred is claim paid plus claim outstanding which is still in process. In this 2010, the claim payment for Pariaman Earthquake on September still continues. The 7.9 richter earthquake with epicentrum of 57 kilometres South West of Pariaman, caused big loss on both life and economy sectors. Incurred claim of Pariaman earthquake that occurred as a result of oblige trust faulting near the subduction interface plate boundary between the Australian and Sunda plates, increased. The incurred claim as at December is Rp. 835,38 billions and increased almost twice to Rp ,45 billions on December Insured loss of Pariaman earthquake is the highest since PT. Asuransi Maipark Indonesia firstly operated. As at December , the insured loss of Aceh earthquake and tsunami on 26 December 2004 is only Rp. 612 billions. Then, Yogyakarta earthquake on 27 May 2006 caused insured loss of Rp. 326,68 billions. Economic loss of Pariaman earthquake, as reported on final verification report by deputy governor of West Sumatera told that economic loss is Rp billions. It means, that earthquake insurance contributes 6,67% of economic recovery. While, earthquake insurance penetration in this province is only 0,023%. This ratio tells us that insurance is good risk transfer alternative of disasters risk management. 15 P a g e

25 transfer risiko yang baik dalam manajemen risiko bencana Kerugian terbesar akibat gempa yang juga dirasakan getarannya hingga Malaysia dan Singapura ini, dialami oleh okupasi komersial dengan jumlah kerugian yang dilaporkan sebesar Rp ,69 milliar, atau 88% dari total klaim yang terjadi. Diikuti oleh okupasi residensial sebesar Rp. 83,87 milliar, okupasi Industri sebesar Rp. 80,74 miliar. Sementara, kerugian di okupasi agrikultural sebesar Rp. 4,16 milliar. Grafik dibawah ini menunjukkan tingkat kerugian yang dialami oleh okupasi akibat gempa tersebut. The biggest loss from Pariaman earthquake with tremors felt in Malaysia and Singapore, occurred on commercial occupation, with the amount of incurred claim of Rp ,69 billions or 88% of total damages. It is followed by residential occupation that suffered Rp. 83,87 billions. Reported damages for Industrial occupation is Rp. 80,74 billions. While agricultural suffered only Rp. 4,16 billions. The Graphic below shows level of loss for occupation due to Pariaman earthquake. Incurred Claim - Gempa Pariaman 30 September 2009 Incurred Claim - Pariaman Earthquake 30 September 2009 ( Dalam Milliar Rupiah / In Billion Rupiah ) Besarnya kerugian yang diderita akibat gempa ini, berpengaruh sangat besar terhadap rasio klaim terhadap premi bruto untuk tahun underwriting 2008 dan Per 31 Desember 2010, tingkat rasio klaim untuk tahun underwriting 2008 adalah 24%. Sedangkan tingkat rasio klaim untuk tahun underwriting 2009 adalah sebesar 59% Grafik 1.3 / Graph 1.3 The High amount of damages caused by this earthquake gives impacts to loss ratio of underwriting year 2008 and As at 31 Desember 2010, the claim ratio for underwriting year 2008 become 24% while claim ratio for underwriting year 2009 is 59%. Indonesia yang secara tektonis tidak stabil, dan dilalui oleh rangkaian gunung aktif didunia, cincin api pacific, dimana lempeng Indo-Australia dan lempeng pacific menghujam dibawah lempeng Eurasia menyebabkan Indonesia sangat rawan bencana. Gempa bumi, tsunami, letusan gunung berapi dan bencana alam lainnya silih berganti Tectonically, Indonesia is highly unstable. It lies on Pacific Rings of Fire, a series of world active volcanoes, where the Australian Plate and the Pacific Plate are pushed under the Eurasia Plate which causes Indonesia extremely vulnerable to natural catastrophe. Earthquake, tsunami, volcanic eruption, and other natural disasters hit 16 P a g e

26 menghantam negara ini setiap tahunnya. Tidak terkecuali di tahun 2010 ini. Setelah kejadian berbagai bencana besar yang menimpa Indonesia seperti Tsunami Aceh 26 Desember 2004, Gempa Yogyakarta 27 Mei 2006, dan Gempa Pariaman 30 September Di tahun 2010, Indonesia dikejutkan oleh berbagai letusan gunung api. Pada 26 Oktober 2010, Gunung Merapi yang terletak di utara kota Yogyakarta ini meletus dan menyemburkan awan panas hingga mencapai ketinggian 1,5 kilometer. Menurut catatan, letusan ini adalah letusan Merapi terbesar kedua dalam 100 tahun terakhir. Letusan gunung berapi termuda dalam kumpulan gunung berapi di bagian selatan pulau jawa ini menyebabkan kerugian korban jiwa dan material yang sangat besar. Pada tahun ini juga, beberapa gunung api di Indonesia menunjukan geliatnya. Gunung Sinabung di provinsi Sumatera Utara yang meletus pada tanggal 29 Agustus 2010, serta Gunung Bromo tanggal 26 November Selain berbagai letusan gunung api, Indonesia juga dilanda oleh beberapa kejadian gempa dan tsunami. Tabel dan peta dibawah ini, menyajikan beberapa kejadian bencana alam 2010 yang dilaporkan sampai dengan tanggal 31 Desember Indonesia every year and it continues. No exception for this After major disasters hit Indonesia, such as: Aceh Tsunami on December 26, 2004, Yogyakarta Earthquake May 27, 2006 and Pariaman Earthquake September 30, 2009, Indonesia was again shocked by volcanoes eruptions in On October 26, 2010, Mount Merapi, located on north of Yogyakarta, erupted, exploded eruptive columns that reach up to 1,5 kilometres. This merapi eruption 2010 is the second biggest eruption of Merapi within the last 100 Years. The eruption of Merapi, the youngest volcano in a group of volcanoes in southern java, caused fatalities and high material damages. During this 2010, some of volcanoes in Indonesia also erupted. Sinabung, at North Sumatera province, erupted on August 29, 2010, while Bromo erupted on November 26, Besides volcanoes eruptions, Indonesia also experienced other disasters, like tsunamis and earthquakes. This following table and map show reported disasters during 2010, as reported until December 31, Incurred Claim 2010 Incurred Claim 2010 Kejadian / Event Tanggal Peristiwa Kerugian ( Dalam Rupiah ) Nama / Name Jenis / Type Date of Occurance Loss ( In Rupiah ) Bali Earthquake 12-Feb-10 1,200,000,000 Sinabang Earthquake 7-Apr ,000,000 Ketahun Earthquake 5-May-10 27,119,820 Banda Aceh Earthquake 9-May-10 55,000,000 Biak Earthquake 16-Jun-10 16,209,801,208 Panyabungan Earthquake 24-Jul-10 17,388,400 Sukabumi Earthquake 12-Aug-10 7,100,800 Bantul Earthquake 22-Aug-10 20,000,000 Merapi Volcano Eruption 26-Oct-10 2,500,000,000 Merapi Volcano Eruption 5-Nov-10 11,800,000,000 Makasar Earthquake 12-Dec-10 1,400,000,000 Tabel 1.8 / Table P a g e

27 Peta 1.2 / Map P a g e

28 Tabel dibawah ini menyajikan pertumbuhan klaim dari semua event This following table shows claim development for all claim events during period of Pertumbuhan Incurred Claim Semua Kejadian Earthquake Insurance Incurred Claim All Event Kejadian / Event Tanggal Peristiwa Klaim Reported / Claim Reported Nama Jenis Date of Per 31 Desember /As At 31 December Name Type Occurance Bali Earthquake 2-Jan-04 4,070,000 Padang Earthquake 16-Feb-04 12,402,600 12,402,600 12,402,600 Nabire Earthquake 26-Nov-04 3,299,345,206 3,299,345,206 3,299,345,206 Aceh Earthquake 26-Dec ,226,619, ,531,185, ,287,806,833 Cilegon Earthquake 15-Jan ,267, ,431, ,431,678 Ambon Earthquake 2-Mar ,125, ,125, ,125,037 Nias Earthquake 28-Mar-05 2,608,811,120 1,149,513,632 1,149,513,632 Padang Earthquake 10-Apr-05 1,399,712,953 1,412,272,780 1,371,818,426 Sibolga Earthquake 95,000,000 T BA Earthquake 800,000,000 Tanjung Karang Earthquake 12-May-06 33,575,300 33,575,300 33,575,300 Sibolga Earthquake 19-May-06 7,612,000 7,612,000 Yogyakarta Earthquake 27-May ,920,900, ,432,968, ,381,385,819 Pangandaran Earthquake 17-Jul-06 2,418,989,460 2,428,124,860 2,428,124,860 Jakarta Earthquake 19-Jul ,918, ,903, ,903,125 Wonosari Earthquake 22-Sep-06 97,589,358 97,589,358 97,589,358 Pandeglang Earthquake 24-Dec-06 16,477,760 16,477,760 16,477,760 Manado Earthquake 21-Jan ,830, ,894, ,894,784 Padang Earthquake 6-Mar-07 47,672,720,251 44,471,563,444 43,776,563,444 Bukittingggi Earthquake 13-Mar-07 22,500,000 22,500,000 22,500,000 Cipanas Earthquake 27-Jul-07 36,699,006 36,699,006 Jakarta Earthquake 9-Aug-07 5,641,754,146 5,729,674,675 5,715,216,495 Carita Earthquake 10-Aug-07 14,271,971 14,271,971 14,271,971 Jakarta Earthquake 26-Aug-07 30,587,366 30,587,366 Bengkulu Earthquake 12-Sep-07 75,203,058,711 60,321,833,456 60,211,833,456 Denpasar Earthquake 8-Oct-07 32,543,000 82,035,138 82,035,138 Painan Earthquake 24-Oct-07 12,906,700 12,906,700 12,906,700 Dompu Earthquake 25-Nov-07 15,000,000 4,090,000 4,090,000 Manokwari Earthquake 7-Jan-08 1,922,050,000 1,073,890,300 1,073,890,300 Painan Earthquake 25-Feb-08 2,511,494, ,923, ,923,036 Benkulu Earthquake 3-Apr-08 50,000,000 50,000,000 50,000,000 Padang Earthquake 28-Jul-08 55,416,667 44,535,354 51,510,354 Pekat Earthquake 7-Aug-08 10,475,000,000 15,863,721,995 15,863,721,995 Padang Earthquake 8-Aug-08 57,192,354 57,192,354 Rababima Earthquake 28-Aug ,000, ,349, ,349,490 Lahat Earthquake 9-Sep , ,500 Sukabumi Earthquake 10-Oct ,000, ,000,000 Bandung Earthquake 11-Oct-08 15,000,000 Gorontalo Earthquake 17-Nov ,873, ,100, ,152,986 Aceh Earthquake 21-Dec-08 53,980,575 53,980,575 Manokwari Earthquake 4-Jan-09 2,952,454,937 3,952,454,937 T BA Earthquake 26-Jan-09 9,108,276,500 T BA Earthquake 10-Feb-09 50,989,097 Palu Earthquake 2-Mar-09 2,800,000 2,800,000 Padang Earthquake 16-Apr ,140, ,140,075 T BA Earthquake 8-May-09 3,962,602,100 Padang Earthquake 16-Aug-09 51,125,960,170 51,155,265,490 T asikmalaya Earthquake 2-Sep-09 47,928,196,253 55,703,928,677 Nusa Dua Earthquake 19-Sep ,078,296 1,138,978,532 Pariaman Earthquake 30-Sep ,328,242,563 1,431,479,899,526 Kepahyang Earthquake 1-Oct ,440, ,440,505 T BA Earthquake 9-Oct ,000,000 Manokwari Earthquake 15-Oct ,000,000 Ujung Kulon Earthquake 16-Oct ,586, ,586,208 Bima Earthquake 9-Nov-09 30,610,000,000 31,362,616,361 Bali Earthquake 12-Feb-10 1,200,000,000 Sinabang Earthquake 7-Apr ,000,000 Ketahun Earthquake 5-May-10 27,119,820 Banda Aceh Earthquake 9-May-10 55,000,000 Biak Earthquake 16-Jun-10 16,209,801,208 Panyabungan Earthquake 24-Jul-10 17,388,400 Sukabumi Earthquake 12-Aug-10 7,100,800 Bantul Earthquake 22-Aug-10 20,000,000 Merapi Volcano Eruption 26-Oct-10 2,500,000,000 Merapi Volcano Eruption 5-Nov-10 11,800,000,000 Makasar Earthquake 12-Dec-10 1,400,000,000 1,025,649,223, ,058,213,151, ,700,783,793, Tabel 1.9 / Table P a g e

29 Peta 1.3 / Map P a g e

30 Table 2.1 CRESTA ZONE NATIONAL AGGREGATE EXPOSURES BY CRESTA ZONE As At 31 December 2010 UY In IDR U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010 Amount in % Amount in % Amount in % Amount in % Amount in % Banda Aceh ,569,166,868, ,829,158,219, ,316,654,427, ,918,054,375, ,891,802,623, Medan ,617,330,236, ,491,911,173, ,242,278,590, ,762,810,351, ,780,012,246, Others ,678,831,468, ,207,622,907, ,381,585,861, ,487,220,594, ,918,365,296, North Sumatera 1 80,865,328,574, % 82,528,692,300, % 56,940,518,879, % 78,168,085,321, % 91,590,180,166, % Padang 2.1 5,204,356,222, ,580,414,817, ,695,100,913, ,388,217,714, ,010,896,461, Palembang ,833,164,966, ,779,872,114, ,210,882,485, ,447,474,256, ,560,167,368, Others ,552,630,128, ,307,350,669, ,822,444,406, ,072,062,476, ,073,305,350, South Sumatera 2 202,590,151,317, % 165,667,637,601, % 176,728,427,806, % 173,907,754,447, % 105,644,369,180, % DKI Jakarta ,161,659,847, ,343,199,166, ,385,171,889, ,312,201,982, ,027,286,131, Bandung ,825,942,829, ,120,867,311, ,696,748,887, ,096,875,808, ,203,820,367, Others ,265,624,404, ,367,676,604, ,740,243,794, ,689,503,499, ,005,164,490, DKI & West Java 3 687,253,227,081, % 701,831,743,083, % 737,822,164,570, % 889,098,581,289, % 648,236,270,989, % Semarang ,347,975,195, ,875,681,020, ,849,765,107, ,725,656,048, ,301,357,216, Yogyakarta 4.2 4,167,322,871, ,170,401,171, ,726,790,176, ,187,373,979, ,799,257,353, Others ,711,484,252, ,083,142,188, ,930,900,105, ,961,561,212, ,951,759,645, DIY & Central Java 4 128,226,782,318, % 126,129,224,380, % 95,507,455,389, % 100,874,591,241, % 77,052,374,215, % Surabaya ,675,983,693, ,285,092,336, ,994,755,461, ,459,368,917, ,472,126,917, Others ,639,788,931, ,692,923,378, ,875,899,782, ,289,135,997, ,971,052,030, East Java 5 210,315,772,624, % 233,978,015,715, % 240,870,655,243, % 235,748,504,915, % 194,443,178,947, % Kalimantan 6 156,807,222,166, % 137,011,523,055, % 89,137,704,230, % 81,782,029,915, % 65,165,468,462, % Ujung Pandang ,208,912,367, ,980,868,660, ,113,850,194, ,803,968,361, ,854,102,166, Others ,973,696,185, ,389,885,457, ,567,528,689, ,674,753,853, ,376,976,117, Sulawesi 7 54,182,608,552, % 54,370,754,118, % 55,681,378,884, % 50,478,722,214, % 38,231,078,283, % Other Island 8 36,466,817,377, % 43,662,140,771, % 45,782,682,572, % 51,715,917,477, % 37,509,531,688, % T O T A L 1,556,707,910,014, % 1,545,179,731,027, % 1,498,470,987,577, % 1,661,774,186,823, % 1,257,872,451,935, % 21 P a g e

31 22 P a g e

32 NATIONAL AGGREGATE EXPOSURES PER UNDERWRITING YEAR BY OCCUPATION As At 31 December 2010 Table 2.2 In IDR Description U/Y 2006 In % U/Y 2007 In % U/Y 2008 In % U/Y 2009 In % U/Y 2010 In % Agricultural 9,824,395,951, % 10,211,819,020, % 16,530,290,636, % 16,716,518,222, % 8,505,793,360, % Commercial 349,836,538,493, % 315,676,977,993, % 367,011,211,280, % 386,202,430,066, % 238,736,981,765, % Industrial 1,136,894,743,473, % 1,101,360,937,344, % 955,167,321,541, % 1,045,445,439,419, % 858,545,357,028, % Residential 60,152,232,095, % 117,929,996,669, % 159,762,164,118, % 213,409,799,114, % 152,084,319,781, % TOTAL 1,556,707,910,014, ,545,179,731,027, ,498,470,987,577, ,661,774,186,823, ,257,872,451,935, P a g e

33 Grafik P a g e

34 NATIONAL AGGREGATE EXPOSURES BY INTEREST As At 31 December 2010 Table 2.3 Description U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010 In IDR Building 755,115,600,308, ,839,216,367, ,063,576,693, ,031,679,987, ,561,223,915, Machinery 288,081,956,156, ,630,996,158, ,865,564,900, ,257,435,578, ,286,661,866, Stock 113,244,933,737, ,132,101,031, ,284,427,432, ,158,164,042, ,216,293,515, Others 269,165,148,284, ,372,153,898, ,320,218,663, ,457,623,098, ,496,187,723, SUB TOTAL 1,425,607,638,487, ,428,974,467,456, ,354,533,787,690, ,495,904,902,706, ,560,367,021, Business Interruption 131,100,271,526, ,205,263,571, ,937,199,886, ,869,284,116, ,312,084,913, T O T A L 1,556,707,910,014, ,545,179,731,027, ,498,470,987,577, ,661,774,186,823, ,257,872,451,935, P a g e

35 Grafik P a g e

36 Table 2.4 PROVINCE NATIONAL AGGREGATE EXPOSURES PER PROVINCE As At 31 December 2010 UY In IDR U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010 Amount in % Amount in % Amount in % Amount in % Amount in % 1 Nanggroe Aceh Darussalam 23,226,734,428, % 25,067,606,616, % 4,775,381,713, % 9,108,792,040, % 10,821,627,048, % 2 Sumatera Utara 57,638,594,145, % 57,461,085,683, % 52,165,137,165, % 69,059,293,280, % 80,768,553,117, % 3 Sumatera Barat 11,898,934,066, % 9,159,332,879, % 17,053,948,628, % 14,087,165,268, % 12,092,836,055, % 4 Riau 106,499,702,152, % 70,170,739,998, % 73,765,720,438, % 43,649,530,670, % 23,242,642,501, % 5 Jambi 4,361,075,089, % 3,654,737,611, % 4,526,903,777, % 30,896,447,158, % 3,208,538,432, % 6 Sumatera Selatan 50,246,067,601, % 46,664,007,286, % 30,057,458,689, % 32,658,833,149, % 23,451,600,109, % 7 Bengkulu 1,090,893,435, % 2,102,252,187, % 2,903,347,800, % 3,070,867,858, % 2,259,277,989, % 8 Lampung 14,985,137,112, % 17,802,501,635, % 30,019,440,037, % 28,151,691,053, % 22,463,858,951, % 9 Kepulauan Bangka Belitung 926,110,341, % 386,365,035, % 2,482,014,225, % 4,000,991,490, % 1,320,488,241, % 10 Kepulauan Riau 12,582,231,518, % 15,727,700,967, % 15,919,594,206, % 17,392,227,797, % 17,605,126,898, % 11 DKI Jakarta 274,161,659,847, % 275,343,199,166, % 314,385,171,889, % 354,312,201,982, % 219,027,286,131, % 12 Jawa Barat 257,197,851,897, % 277,460,313,671, % 266,981,530,229, % 350,207,690,127, % 244,107,219,731, % 13 Jawa Tengah 123,694,188,528, % 119,494,459,409, % 84,787,088,913, % 89,525,091,245, % 67,150,018,156, % 14 DI. Yogyakarta 4,532,593,790, % 6,634,764,971, % 10,720,366,476, % 11,349,499,995, % 9,902,356,059, % 15 Jawa Timur 210,315,772,624, % 233,978,015,715, % 240,870,655,243, % 235,748,504,915, % 194,443,178,947, % 16 Banten 155,893,715,335, % 149,028,230,244, % 156,455,462,452, % 184,578,689,180, % 185,101,765,126, % 17 Bali 23,089,121,880, % 26,216,804,932, % 35,336,165,100, % 43,198,744,233, % 30,622,409,895, % 18 Kalimantan Barat 1,757,378,625, % 1,886,808,745, % 2,942,734,748, % 4,144,474,024, % 2,584,879,467, % 19 Kalimantan Tengah 2,836,774,431, % 2,795,532,471, % 3,399,965,007, % 5,118,851,373, % 4,438,973,452, % 20 Kalimantan Selatan 16,308,099,787, % 21,221,553,552, % 34,654,652,936, % 22,670,973,901, % 13,101,042,340, % 21 Kalimantan Timur 135,904,969,322, % 111,107,628,285, % 48,140,351,538, % 49,847,730,615, % 45,040,573,203, % 22 Sulawesi Utara 4,026,103,503, % 4,399,870,047, % 4,725,608,452, % 7,351,890,628, % 4,960,165,658, % 23 Sulawesi Tengah 928,176,570, % 1,407,884,361, % 1,497,348,558, % 1,360,609,961, % 894,770,661, % 24 Sulawesi Selatan 14,738,427,907, % 19,270,040,117, % 18,340,658,610, % 22,136,397,054, % 11,911,611,985, % 25 Sulawesi Tenggara 34,028,952,283, % 28,723,282,026, % 30,380,440,277, % 8,216,594,211, % 8,368,040,895, % 26 Gorontalo 415,220,424, % 487,995,231, % 608,002,629, % 10,841,736,749, % 11,435,069,590, % 27 Sulawesi Barat 45,727,863, % 81,682,334, % 129,320,356, % 571,493,608, % 661,419,491, % 28 Nusa Tenggara Barat 1,693,611,297, % 3,118,727,846, % 2,295,971,496, % 2,376,215,918, % 1,953,906,155, % 29 Nusa Tenggara Timur 574,900,145, % 471,547,382, % 622,671,480, % 745,902,571, % 648,809,262, % 30 Maluku 846,941,478, % 427,742,017, % 402,665,793, % 700,840,472, % 751,409,869, % 31 Maluku Utara 46,800,369, % 609,678,938, % 547,119,371, % 451,545,647, % 241,368,119, % 32 Papua Barat 923,962,125, % 973,745,512, % 1,160,235,542, % 1,296,482,577, % 1,172,439,688, % 33 Papua 9,291,480,080, % 11,843,894,140, % 5,417,853,787, % 2,946,186,056, % 2,119,188,697, % T O T A L 1,556,707,910,014, ,545,179,731,027, ,498,470,987,577, ,661,774,186,823, ,257,872,451,935, P a g e

37 NATIONAL GROSS PREMIUM INCOME As At 31 December 2010 Table 3.1 CRESTA ZONE In IDR U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010 Amount in % Amount in % Amount in % Amount in % Amount in % Banda Aceh ,047,359, ,909,471, ,633,212, ,336,561, ,252,594, Medan ,648,822, ,465,526, ,482,479, ,580,908, ,478,547, Others ,629,609, ,624,825, ,511,168, ,470,992, ,242,571, North Sumatera 1 93,325,792, % 95,999,823, % 68,626,860, % 89,388,461, % 112,973,713, % Padang 2.1 5,903,395, ,045,436, ,188,136, ,758,847, ,402,263, Palembang ,182,503, ,921,437, ,887,897, ,780,641, ,435,991, Others ,105,818, ,310,247, ,800,914, ,969,175, ,636,123, South Sumatera 2 205,191,717, % 179,277,122, % 217,876,948, % 190,508,664, % 123,474,378, % DKI Jakarta ,909,353, ,232,753, ,031,595, ,633,756, ,815,790, Bandung ,003,062, ,239,210, ,306,236, ,206,208, ,199,686, Others ,175,670, ,097,781, ,677,295, ,861,641, ,342,112, DKI & West Java 3 790,088,087, % 853,569,744, % 959,015,127, % 1,065,701,606, % 889,357,589, % Semarang ,153,181, ,567,608, ,638,965, ,919,961, ,726,662, Yogyakarta 4.2 5,275,191, ,196,237, ,174,483, ,378,623, ,056,113, Others ,808,136, ,214,426, ,710,889, ,960,782, ,810,911, DIY & Central Java 4 149,236,509, % 153,978,271, % 139,524,339, % 114,259,367, % 94,593,687, % Surabaya ,330,550, ,611,466, ,520,598, ,663,819, ,240,738, Others ,962,617, ,681,318, ,049,694, ,878,256, ,946,029, East Java 5 246,293,167, % 290,292,785, % 305,570,292, % 273,542,075, % 230,186,767, % Kalimantan 6 182,645,063, % 164,606,620, % 110,130,938, % 87,631,548, % 75,558,884, % Ujung Pandang ,031,171, ,076,590, ,842,835, ,232,557, ,169,779, Others ,684,729, ,178,670, ,376,791, ,206,683, ,201,382, Sulawesi 7 59,715,901, % 65,255,260, % 69,219,626, % 63,439,240, % 49,371,161, % Other Island 8 43,751,946, % 55,524,373, % 60,085,621, % 63,462,904, % 51,107,824, % T O T A L 1,770,248,184, % 1,858,504,001, % 1,930,049,754, % 1,947,933,869, % 1,626,624,008, % 28 P a g e

38 29 P a g e

39 NATIONAL GROSS PREMIUM INCOME BY OCCUPATION As At 31 December 2010 Table 3.2 In IDR Description U/Y 2006 In % U/Y 2007 In % U/Y 2008 In % U/Y 2009 In % U/Y 2010 In % Agricultural 10,310,523, % 9,952,239, % 17,853,970, % 17,316,919, % 9,947,361, % Commercial 428,774,412, % 394,319,911, % 458,875,278, % 468,261,708, % 314,519,779, % Industrial 1,253,016,048, % 1,301,759,798, % 1,237,315,514, % 1,183,761,533, % 1,090,477,667, % Residential 78,147,200, % 152,472,051, % 216,004,992, % 278,593,707, % 211,679,199, % TOTAL 1,770,248,184, % 1,858,504,001, % 1,930,049,754, % 1,947,933,869, % 1,626,624,008, % 30 P a g e

40 Grafik P a g e

41 NATIONAL GROSS PREMIUM INCOME BY PROVINCE As At 31 December 2010 Table 3.3 CRESTA ZONE In IDR U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010 Amount in % Amount in % Amount in % Amount in % Amount in % 1 Nanggroe Aceh Darussalam 26,797,305, % 28,766,132, % 6,284,555, % 9,523,150, % 13,787,406, % 2 Sumatera Utara 66,528,486, % 67,233,690, % 62,342,304, % 79,865,311, % 99,186,307, % 3 Sumatera Barat 13,121,728, % 10,456,938, % 20,578,637, % 17,843,589, % 19,371,814, % 4 Riau 103,014,127, % 73,555,875, % 94,742,815, % 44,411,669, % 25,527,922, % 5 Jambi 4,451,887, % 4,062,470, % 5,024,001, % 33,238,046, % 3,154,789, % 6 Sumatera Selatan 54,983,393, % 51,469,895, % 35,475,006, % 37,426,958, % 26,716,875, % 7 Bengkulu 1,243,033, % 2,371,733, % 6,069,043, % 5,465,170, % 4,486,104, % 8 Lampung 15,867,158, % 20,422,833, % 35,128,549, % 30,701,999, % 28,992,109, % 9 Kepulauan Bangka Belitung 678,063, % 473,816, % 3,339,985, % 4,231,379, % 1,260,898, % 10 Kepulauan Riau 11,832,324, % 16,463,557, % 17,518,907, % 17,189,851, % 13,963,865, % 11 DKI Jakarta 333,909,353, % 353,232,753, % 427,031,595, % 449,633,756, % 304,815,790, % 12 Jawa Barat 285,327,303, % 326,321,800, % 337,069,150, % 399,063,745, % 321,467,579, % 13 Jawa Tengah 143,560,326, % 147,233,545, % 126,933,736, % 99,503,324, % 81,030,201, % 14 DI. Yogyakarta 5,676,183, % 6,744,726, % 12,590,602, % 14,756,043, % 13,563,486, % 15 Jawa Timur 246,293,167, % 290,292,785, % 305,570,292, % 273,542,075, % 230,186,767, % 16 Banten 170,851,429, % 174,015,191, % 194,914,381, % 217,004,104, % 263,074,219, % 17 Bali 27,034,283, % 33,225,595, % 47,325,927, % 53,092,930, % 41,227,512, % 18 Kalimantan Barat 1,654,555, % 1,815,776, % 3,267,491, % 4,165,467, % 2,218,351, % 19 Kalimantan Tengah 19,094,558, % 25,171,350, % 45,855,519, % 24,416,844, % 12,779,467, % 20 Kalimantan Selatan 2,777,407, % 2,776,692, % 3,601,507, % 5,438,352, % 3,783,872, % 21 Kalimantan Timur 159,118,541, % 134,842,800, % 57,406,420, % 53,610,883, % 56,777,191, % 22 Sulawesi Utara 4,156,300, % 5,212,146, % 5,830,623, % 10,734,766, % 8,080,129, % 23 Sulawesi Tengah 1,003,521, % 1,572,492, % 1,836,516, % 1,550,799, % 1,284,245, % 24 Sulawesi Selatan 17,141,773, % 23,364,556, % 24,325,199, % 25,665,891, % 12,816,622, % 25 Sulawesi Tenggara 36,895,660, % 34,445,329, % 36,384,856, % 8,811,497, % 9,483,920, % 26 Gorontalo 465,586, % 574,726, % 724,536, % 16,025,166, % 17,232,674, % 27 Sulawesi Barat 53,058, % 86,009, % 117,894, % 651,119, % 473,569, % 28 Nusa Tenggara Barat 1,965,128, % 3,819,458, % 2,916,190, % 2,702,573, % 2,642,783, % 29 Nusa Tenggara Timur 655,814, % 530,989, % 736,295, % 884,930, % 972,714, % 30 Maluku 986,082, % 534,203, % 506,962, % 876,822, % 1,407,852, % 31 Maluku Utara 51,224, % 706,339, % 733,657, % 571,619, % 413,705, % 32 Papua Barat 1,039,504, % 1,168,851, % 1,376,092, % 1,617,177, % 1,677,986, % 33 Papua 12,019,908, % 15,538,935, % 6,490,496, % 3,716,851, % 2,765,270, % T O T A L 1,770,248,184,698 1,858,504,001,154 1,930,049,754,980 1,947,933,869,710 1,626,624,008, P a g e

42 NUMBER OF RISKS BY CRESTA As At 31 December 2010 Table 4.1 CRESTA ZONE U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010 Banda Aceh Medan 1.2 2,866 2,995 4,270 4,294 3,266 Others 1.3 1,073 1,276 2,404 2,434 2,336 North Sumatera 1 4,238 4,721 7,252 7,260 5,952 Padang 2.1 2,022 2,764 3,938 3,703 5,410 Palembang ,113 1,355 1, Others 2.3 5,006 5,747 11,481 8,905 8,542 South Sumatera 2 7,846 9,624 16,774 13,808 14,646 DKI Jakarta ,514 24,635 26,403 28,532 21,640 Bandung 3.2 3,022 3,638 4,395 1,157 1,188 Others ,199 14,710 19,471 24,348 20,307 DKI & West Java 3 38,735 42,983 50,269 54,037 43,135 Semarang 4.1 1,570 1,924 2, Yogyakarta 4.2 1,383 1,714 1,815 1,983 1,551 Others 4.3 2,982 3,798 6,576 7,282 5,783 DIY & Central Java 4 5,935 7,436 10,691 9,681 7,454 Surabaya 5.1 2,910 3,336 4,158 4,497 3,726 Others 5.2 3,176 3,756 5,635 5,641 3,962 East Java 5 6,086 7,092 9,793 10,138 7,688 Kalimantan 6 1,843 2,119 3,882 3,375 2,857 Ujung Pandang ,219 1, Others 7.2 1,453 2,211 3,936 2,353 2,376 Sulawesi 7 2,219 3,101 5,155 3,541 3,110 Other Island 8 4,709 5,806 7,662 8,487 7,033 T O T A L 71,611 82, , ,327 91,875 *) Figure above excluding undefined multi location risks 33 P a g e

43 Grafik P a g e

44 NUMBER OF RISK BY OCCUPATION As At 31 December 2010 Table 4.2 In IDR Description U/Y 2006 In % U/Y 2007 In % U/Y 2008 In % U/Y 2009 In % U/Y 2010 In % Agricultural 464 0% 414 0% 626 1% 409 0% 228 0% Commercial 38,231 34% 39,128 35% 65,009 58% 56,713 51% 46,101 50% Industrial 9,236 8% 11,746 11% 9,773 9% 11,791 11% 9,418 10% Residential 23,680 21% 31,594 28% 36,070 32% 41,414 38% 36,128 39% TOTAL 71,611 64% 82,882 74% 111, % 110, % 91, % *) Figure above excluding undefined multi location risks 35 P a g e

45 Grafik P a g e

46 CLAIM FREQUENCY BY OCCUPATION As At 31 December 2010 Table Description U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010 Agricultural Commercial Industrial Residential TOTAL P a g e

47 Grafik P a g e

48 CLAIM FREQUENCY BY CRESTA ZONE As At 31 December 2010 Table CRESTA ZONE U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010 Banda Aceh Medan Others North Sumatera Padang ,755 1 Palembang Others South Sumatera ,778 5 DKI Jakarta Bandung Others DKI & West Java Semarang Yogyakarta Others DIY & Central Java Surabaya Others East Java Kalimantan Ujung Pandang Others Sulawesi Other Island T O T A L , P a g e

49 Grafik P a g e

50 CLAIMS AMOUNT BY OCCUPATION As At 31 December 2010 Table In IDR Description U/Y 2006 In % U/Y 2007 In % U/Y 2008 In % U/Y 2009 In % U/Y 2010 In % Agricultural % % 4,350,034, % 15,160,584, % % Commercial 56,856,434, % 81,383,984, % 343,382,932, % 1,066,989,875, % 16,560,000, % Industrial 2,816,278, % 2,557,615, % 86,145,467, % 4,199,598, % 14,500,000, % Residential 2,461,200, % 2,823,163, % 24,018,247, % 63,588,336, % 58,043, % TOTAL 62,133,912,902 86,764,763, ,896,681,243 1,149,938,395,756 31,118,043, P a g e

51 Grafik P a g e

52 Claims Amount by Cresta Zone As At 31 December 2010 Table In IDR CRESTA ZONE U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010 Amount in % Amount in % Amount in % Amount in % Amount in % Banda Aceh Medan ,199, ,225,000 0 Others ,868, ,016,582, North Sumatera 1 38,868, % 0 0.0% 4,197,782, % 849,225, % 0 0.0% Padang ,392,323,221 72,108,117, ,471,864,936 1,031,513,508,533 17,388,400 Palembang Others ,606,235,770 7,228,514,403 7,668,838,104 52,726,325,935 1,200,655,375 South Sumatera 2 24,998,558, % 79,336,631, % 410,140,703, % 1,084,239,834, % 1,218,043, % DKI Jakarta 3.1 1,260,463,935 1,377,201,066 14,373,487,424 18,379,697,350 0 Bandung ,532,220 3,021,060, ,403,316 13,826,230 0 Others ,233, ,777,250 10,162,275,311 10,715,380,903 0 DKI & West Java 3 1,882,229, % 5,262,038, % 24,645,166, % 29,108,904, % 0 0.0% Semarang Yogyakarta ,246,937, ,000, ,500,000,000 Others 4.3 3,685,714, ,500,000,000 DIY & Central Java 4 34,932,651, % 300,000, % 0 0.0% 0 0.0% 14,000,000, % Surabaya Others East Java % 0 0.0% 0 0.0% 0 0.0% 0 0.0% Kalimantan % 0 0.0% 0 0.0% 0 0.0% 0 0.0% Ujung Pandang ,400,000,000 Others ,523, ,763,147 53,789, Sulawesi 7 134,523, % 429,763, % 53,789, % 0 0.0% 1,400,000, % Other Island 8 147,081, % 1,436,329, % 18,859,240, % 35,740,431, % 14,500,000, % T O T A L 62,133,912,902 86,764,763, ,896,681,243 1,149,938,395,756 31,118,043, P a g e

53 Grafik P a g e

54 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : DATA POSITION FROM OCCUPATION : All ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 BAND Table 6.1 SUM INSURED (BAND) (In Million Rp.) FROM TO f NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY F (d) PERCENTAGE rp RP BAND (d)/ (d) (f) (h) PERCENTAGE BAND (i)/ (i) (j) BAND (m)/ (m) (n) PERCENTAGE BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,377 47, , , , , ,555 76, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,266, , , , , , , , , ,749, , , ,022, , , , , ,626, ,376, , , ,233, , UP 1, , ,369, ,746, , , ,354, * ) Multilocation 1,387, ,133, , ,787, f F (l) PERCENTAGE rp INCURRED CLAIM (In Million Rp.) RP (p) LOSS RATIO PERCENTAGE BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 45 P a g e

55 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2010 DATA POSITION FROM OCCUPATION : All ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table 6.2 SUM INSURED (BAND) (In Million Rp.) BAND f F FROM TO (d) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) PERCENTAGE BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,696 5, ,733 11, , ,122 21, , , ,757 29, , , ,739 40, , , ,716 50, , , , ,156 57, , , , , ,500 66, , , , , ,206 70, , , , , , , ,352 73, , , , , , ,956 75, , , , , , ,881 78, , , , , , ,624 80, , , , , , ,863 83, , , , , , ,339 84, , , , , , ,603 87, , , , , , ,171 89, , , , , , , , , , , , , ,157 91, , , , , , UP , , ,468, , * ) Multilocation LOSS RATIO PERCENTAGE 158, ,626, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 46 P a g e

56 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2009 DATA POSITION FROM OCCUPATION : All ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table 6.3 SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,737 8, , , ,511 15, , , , ,574 26, , , , , ,505 35, , , , , ,865 47, , , , , , ,295 59, , , , , , , ,320 67, , , , , , , , ,722 77, , , , , , , , ,159 82, , , , , , , , ,843 86, , , , , , , , ,464 88, , , , , , , , ,615 92, , , , , , , , ,159 94, , , , , , , , ,650 98, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , ,656, , , , * ) Multilocation LOSS RATIO PERCENTAGE 291, ,947, , ,149, BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 47 P a g e

57 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2008 DATA POSITION FROM OCCUPATION : All ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table 6.4 SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,088 15, ,212 24, , , , , ,459 36, , , , , ,744 45, , , , , ,153 56, , , , , ,319 69, , , , , , ,339 76, , , , , , , ,558 83, , , , , , , ,186 88, , , , , , , ,090 91, , , , , , , ,018 93, , , , , , , ,843 96, , , , , , , ,912 97, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , ,657, , , * ) Multilocation LOSS RATIO PERCENTAGE 272, ,930, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 48 P a g e

58 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2007 DATA POSITION FROM OCCUPATION : All ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table 6.5 SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,808 6, ,208 11, ,724 19, , , ,967 26, , , , ,516 36, , , , , ,002 45, , , , , , ,616 49, , , , , , ,005 57, , , , , , , ,760 61, , , , , , , ,770 64, , , , , , ,833 66, , , , , , , ,588 68, , , , , , , ,719 70, , , , , , ,760 73, , , , , , , ,662 74, , , , , , ,726 77, , , , , , , ,415 80, , , , , , , ,223 81, , , , , , , ,233 82, , , , , , UP , , ,534, , * ) Multilocation LOSS RATIO PERCENTAGE 324, ,858, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 49 P a g e

59 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2006 DATA POSITION FROM OCCUPATION : All ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,048 11, , , ,891 14, , ,850 21, , , , ,699 27, , , , ,917 35, , , , , ,989 42, , , , , , ,460 45, , , , , , , ,470 51, , , , , , , ,873 54, , , , , , ,176 56, , , , , , , ,460 57, , , , , , , ,123 59, , , , , , , ,405 61, , , , , , , ,214 63, , , , , , , ,191 64, , , , , , , ,374 67, , , , , , , ,017 69, , , , , , , , , , , , , , ,101 71, , , , , , UP , , ,430, , * ) Multilocation LOSS RATIO PERCENTAGE 340, ,770, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 50 P a g e

60 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2010 DATA POSITION FROM OCCUPATION : Agricultural ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , * ) Multilocation LOSS RATIO PERCENTAGE BAND (p)/(h) , (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 51 P a g e

61 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2010 DATA POSITION FROM OCCUPATION : Commercial ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,723 3, ,204 5, ,533 10, , ,148 13, , , ,733 18, , , ,647 23, , , , ,644 28, , , , , ,858 33, , , , , ,236 35, , , , , , , ,838 37, , , , , , ,040 38, , , , , , ,595 40, , , , , , , , , , , , ,568 42, , , , , , , , , , , , ,254 44, , , , , , , , , , , , , , , , , , , , , , , , , UP 59 46, , , , * ) Multilocation LOSS RATIO PERCENTAGE 7, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 52 P a g e

62 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2010 DATA POSITION FROM OCCUPATION : Industrial ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP 223 9, , , * ) Multilocation LOSS RATIO PERCENTAGE 131, ,090, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 53 P a g e

63 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2010 DATA POSITION FROM OCCUPATION : Residential ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,684 1, ,324 5, ,245 10, , , ,308 14, , , ,399 19, , , ,557 24, , , , ,125 26, , , , , ,027 29, , , , , ,501 31, , , , , ,104 32, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP 37 36, , , * ) Multilocation LOSS RATIO PERCENTAGE 19, , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 54 P a g e

64 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2009 DATA POSITION FROM OCCUPATION : Agricultural ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) PERCENTAGE (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , , * ) Multilocation LOSS RATIO , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 55 P a g e

65 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2009 DATA POSITION FROM OCCUPATION : Commercial ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,539 5, , , , , ,022 8, , , , , ,452 14, , , , ,631 17, , , , , ,464 23, , , , , ,518 29, , , , , , ,382 35, , , , , , , ,471 40, , , , , , , ,792 43, , , , , , , ,133 45, , , , , , , ,300 46, , , , , , , ,030 48, , , , , , , , ,155 49, , , , , , , , ,920 51, , , , , , , , , , , , , , , , ,675 54, , , , , , , , ,345 55, , , , , , , , , , , , , , , , , , , , , , , UP 87 56, , , , , , * ) Multilocation LOSS RATIO PERCENTAGE 63, , , ,066, BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 56 P a g e

66 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2009 DATA POSITION FROM OCCUPATION : Industrial ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,158 8, , , , , , , ,244 9, , , , , , , , , , , , , , , , , UP , , ,000, , * ) Multilocation LOSS RATIO PERCENTAGE 182, ,183, , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 57 P a g e

67 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2009 DATA POSITION FROM OCCUPATION : Residential ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,781 2, ,198 5, , ,682 11, , , , , ,498 16, , , , , ,763 21, , , , , ,104 27, , , , , , ,483 29, , , , , , , ,503 33, , , , , , , ,819 34, , , , , , , ,222 36, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP 49 41, , , , * ) Multilocation LOSS RATIO PERCENTAGE 44, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 58 P a g e

68 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2008 DATA POSITION FROM OCCUPATION : Agricultural ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , , * ) Multilocation LOSS RATIO PERCENTAGE BAND (p)/(h) , , (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 59 P a g e

69 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2008 DATA POSITION FROM OCCUPATION : Commercial ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,769 10, ,363 17, ,353 24, , , , , ,408 28, , , , , ,703 34, , , , , ,556 43, , , , , , ,039 47, , , , , , , ,271 51, , , , , , , ,273 53, , , , , , , ,772 55, , , , , , , ,092 56, , , , , , , ,579 58, , , , , , , ,002 59, , , , , , , ,585 60, , , , , , , , , , , , , , ,442 62, , , , , , , ,112 64, , , , , , , , , , , , , , , , , , , , UP 73 65, , , , , * ) Multilocation LOSS RATIO PERCENTAGE 79, , , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 60 P a g e

70 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2008 DATA POSITION FROM OCCUPATION : Industrial ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,087 8, , , , , , , , , , , , , , , , , , , UP 267 9, , ,054, , , * ) Multilocation LOSS RATIO PERCENTAGE 183, ,237, , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 61 P a g e

71 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2008 DATA POSITION FROM OCCUPATION : Residential ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,001 4, ,435 6, , ,707 11, , , ,014 15, , , , , ,025 20, , , , , ,267 24, , , , , , ,993 26, , , , , , , ,718 29, , , , , , , ,455 30, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP 41 36, , , , * ) Multilocation LOSS RATIO PERCENTAGE 10, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 62 P a g e

72 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2007 DATA POSITION FROM PROVINCE : Agricultural OCCUPATION : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , * ) Multilocation LOSS RATIO PERCENTAGE BAND (p)/(h) , (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 63 P a g e

73 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2007 DATA POSITION FROM PROVINCE : Commercial OCCUPATION : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,288 3, ,945 5, ,937 9, ,928 12, , ,321 16, , , , , ,406 20, , , , , , ,367 23, , , , , , ,621 26, , , , , , , ,026 28, , , , , , , ,548 30, , , , , , , , , , , , , ,439 32, , , , , , , , , , , , , ,472 35, , , , , , , , , , , , , ,252 37, , , , , , , ,064 38, , , , , , , , , , , , , , , , , , , , UP 62 39, , , , * ) Multilocation LOSS RATIO PERCENTAGE 76, , , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 64 P a g e

74 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2007 DATA POSITION FROM PROVINCE : Industrial OCCUPATION : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , ,761 5, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,034 10, , , , , , , , , , , , , , , , , , UP , , ,059, , * ) Multilocation LOSS RATIO PERCENTAGE 242, ,301, , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 65 P a g e

75 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2007 DATA POSITION FROM PROVINCE : Residential OCCUPATION : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,222 3, ,755 4, ,011 8, , ,628 12, , , ,668 17, , , , ,927 21, , , , , ,814 23, , , , , , ,613 25, , , , , , ,289 26, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP 32 31, , , , * ) Multilocation LOSS RATIO PERCENTAGE 5, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 66 P a g e

76 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2006 DATA POSITION FROM PROVINCE : Agricultural OCCUPATION : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) LOSS RATIO BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) BAND (p)/(h) (q)/(i) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , * ) Multilocation , *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 67 P a g e

77 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2006 DATA POSITION FROM PROVINCE : Commercial OCCUPATION : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,110 7, , , ,137 9, , ,291 12, , , ,530 15, , , ,750 18, , , , , ,569 22, , , , , , ,905 24, , , , , , , ,269 27, , , , , , , ,712 29, , , , , , ,357 30, , , , , , , , , , , , , , ,269 32, , , , , , , , , , , , , , ,287 34, , , , , , , , , , , , , , ,153 36, , , , , , , , , , , , , , , , , , , , , , , , , , , UP 72 38, , , , * ) Multilocation LOSS RATIO PERCENTAGE 109, , , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 68 P a g e

78 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2006 DATA POSITION FROM PROVINCE : Industrial OCCUPATION : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP 271 9, , ,025, , * ) Multilocation LOSS RATIO PERCENTAGE 227, ,253, , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 69 P a g e

79 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2006 DATA POSITION FROM PROVINCE : Residential OCCUPATION : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,220 3, , , ,596 4, , ,250 8, , ,814 10, , ,515 14, , , ,817 17, , , , ,247 18, , , , , ,714 20, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP 14 23, , , , * ) Multilocation LOSS RATIO PERCENTAGE 2, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 70 P a g e

80 Peta 7.1 / Map P a g e

81 GLOSSARIES 1. OCCUPATION : A - AGRICULTURAL C - COMMERCIAL I - INDUSTRIAL R - RESIDENTIAL 2. ZONES (BASED ON CRESTA) : Banda Aceh Medan Others 1 - North Sumatera Padang Palembang Others 2 - South Sumatera DKI Jakarta Bandung Others 3 - DKI & West java Semarang Yogyakarta Others 4 - DIY & Central Java Surabaya Others 5 - East Java 6 - Kalimantan Ujung Pandang Others 7 - Sulawesi 8 - Other Islands

82 3. f : Frequencies F : Accumulations of frequencies Cum : Cumulative (increasing in amount by one addition after another) 4. Incurred Claim Outstanding Claims (100%) plus paid/settled claims (100%) 5. Sum Insured The Sum Insured represents 100% Sum Insured 6. Gross Premium Gross Premium represent 100% premium 7. Loss Ratio The percentage ratio of Incurred claims to Gross Premium

83 Lampiran 1/ Attachment 1 TARIF ASURANSI GEMPA BUMI TAHUN 2010 Tariff in %o (mil) DEFINISI COMMERCIAL AND INDUSTRIAL : Obyek selain okupasi dwelling house (kode okupasi selain 2976) Steel Frame : struktur bangunan yang menggunakan Baja sebagai rangkanya Wood : struktur bangunan yang menggunakan kayu sebagai rangkanya Reinforced Concrete : struktur bangunan yang menggunakan beton bertulang sebagai rangkanya Others (Incl. No Frame) : struktur bangunan selain konstruksi baja, beton bertulang atau rangka kayu; termasuk bangunan yang terbuat dari susunan batu tanpa rangka DWELLING HOUSE : Obyek dengan kode okupasi 2976 Steel, Wood or RC Frame : struktur bangunan rumah tinggal dengan konstruksi baja, beton bertulang atau rangka kayu Others : struktur bangunan rumah tinggal selain konstruksi baja, beton bertulang atau rangka kayu termasuk bangunan rumah tinggal yang terbuat dari susunan batu tanpa rangka Catatan: Basement diperhitungkan dalam menentukan jumlah lantai bangunan bertingkat.