PT REASURANSI MAIPARK INDONESIA

Transkripsi

1 INDONESIAN EARTHQUAKE INSURANCE STATISTIC AS AT 3 JUNE 214 PT REASURANSI MAIPARK INDONESIA 1

2 Kata Pengantar Foreword Dengan Hormat, Dear Sir / Madam, Sesuai dengan tujuan pendirian MAIPARK, MAIPARK selalu berupaya untuk memberikan pelayanan yang terbaik bagi Industri Asuransi Umum di Indonesia khususnya mengenai statistik dan pengetahuan risiko gempa bumi. Dukungan dari seluruh perusahaan asuransi umum sangat berarti bagi kami dalam upaya pengembangan Laporan Statistik ini. Kami berharap Laporan Statistik ini dapat memberikan manfaat tidak hanya bagi perusahaan yang menangani asuransi gempa bumi, namun juga bagi industri asuransi umum di Indonesia. Hormat kami, In line with the purpose of MAIPARK establishment, MAIPARK always strive to provide the best service for General Insurance Industry in Indonesia particularly regarding statistic and knowledge of Earthquake risks. Support from the General Insurance Industry will be meaningful to us in order to improve this Statistic Report. We hope this Statistic Report will be beneficial not only to the insurance companies which write earthquake insurance but also to the whole general insurance industry in Indonesia. Sincerely, Dr. Frans Y. Sahusilawane President Director i

3 Daftar Isi Content Hal. Kata Pengantar... i Daftar Isi... ii Informasi Statistik... v Page Foreword... i Contents... ii Statistic Information... v Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni A. Umum... 1 B. Struktur Pasar... 1 C. Premi Bruto... 1 D. Jumlah Risiko... 3 E. Incurred Claim... 4 Exposure Asuransi Gempa Bumi Indonesia... Tabel 2.1. Exposure Per Cresta Zone... 9 Tabel 2.2. Exposure Per Okupasi Tabel 2.3. Exposure Per Interest Tabel 2.4. Exposure Per Provinsi Statistic Overview of Indonesian Earthquake Insurance June A. General... 1 B. Market Structure... 1 C. Gross Premium... 1 D. Number of Risk... 3 E. Incurred Claim... 4 Indonesian Earthquake Insurance Exposure... Table 2.1. Exposure By Cresta Zone... 9 Table 2.2. Exposure By Occupation Table 2.3. Exposure By Interest Table 2.4. Exposure By Province Premi Bruto Asuransi Gempa Bumi Indonesia.... Tabel 3.1. Gross Premium Per Cresta Zone.. 16 Tabel 3.2. Gross Premium Per Okupasi Tabel 3.3. Gross Premium Per Provinsi... 2 Indonesian Earthquake Insurance Gross Premium... Table 3.1. Gross Premium By Cresta Zone Table 3.2. Gross Premium By Occupation Table 3.3. Gross Premium By Province... 2 Jumlah Risiko Asuransi Gempa Bumi Indonesia... Tabel 4.1. Jumlah Risiko Per Cresta Zone Tabel 4.2. Jumlah Risiko Per Okupasi Indonesian Earthquake Insurance Number of Risks... Table 4.1. Number of Risk By Cresta Zone Table 4.2. Number of Risk By Occupation Klaim Asuransi Gempa Bumi Indonesia... Tabel 5.1. Klaim Frekwensi Per Okupasi Tabel 5.2. Klaim Frekwensi Per Cresta Zone. 27 Tabel 5.3. Klaim Per Okupasi Tabel 5.4. Klaim Per Cresta Zone Indonesian Earthquake Insurance Claim... Table 5.1. Claim Frequency By Occupation.. 25 Table 5.2. Claim Frequency By Cresta Zone.. 27 Table 5.3. Claim By Occupation Table 5.4 Claim By Cresta Zone ii

4 Profil Risiko dan Klaim... Underwriting Year , Seluruh Okupasi Underwriting Year 214, Seluruh Okupasi Underwriting Year 213, Seluruh Okupasi Underwriting Year 212, Seluruh Okupasi Underwriting Year 211, Seluruh Okupasi Underwriting Year 21, Seluruh Okupasi Risk and Loss Profile... Underwriting Year , All Occupation Underwriting Year 214, All Occupation Underwriting Year 213, All Occupation Underwriting Year 212, All Occupation Underwriting Year 211, All Occupation Underwriting Year 21, All Occupation Profil Risiko dan Klaim Underwriting Year 214 Per Okupasi... Okupasi Agrikultural Okupasi Komersial... 4 Okupasi Industrial Okupasi Residensial Risk and Loss Profile Underwriting Year 214 By Occupation.... Agricultural Occupation Commercial Occupation... 4 Industrial Occupation Residential Occupation Profil Risiko dan Klaim Underwriting Year 213 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residensial Risk and Loss Profile Underwriting Year 213 By Occupation.... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Profil Risiko dan Klaim Underwriting Year 212 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residensial... 5 Risk and Loss Profile Underwriting Year 212 By Occupation.... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation... 5 Profil Risiko dan Klaim Underwriting Year 211 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residensial Risk and Loss Profile Underwriting Year 211 By Occupation.... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation iii

5 Profil Risiko dan Klaim Underwriting Year 21 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residential Risk and Loss Profile Underwriting Year 21 By Occupation... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Peta Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 214, per 3 Juni Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 214, per 3 Juni 214, Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred UY Map Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 214, as at 3 June Indonesian Earthquake Distribution M > 5 and Claim Incurred Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 214, as at 3 June 214, Indonesian Earthquake Distribution M > 5 and Claim Incurred Damage Ratio Ulasan Aktuaria.. 64 Damage Ratio Actuarial Commentary Lampiran 1. Daftar Istilah Tarif Asuransi Gempa Bumi Indonesia Skala First Loss Tabel jangka Waktu Pertanggungan Kurang Dari Satu Tahun Skala Indemnity Period Tabel Cresta Zone dan Zona..76 Attachments 1. Glossaries Indonesian Earthquake Insurance Tariff First Loss Scale Short Period Table Less Than One Year Period Indemnity Period Scale Cresta Zone and Zone Table 76 Referensi 1. Otoritas Jasa Keuangan (OJK). 2. Badan Pusat Statistik (BPS). Reference 1. Financial Services Authority (OJK). 2. Central of Statistics Bureau (BPS). *) Laporan Statistik ini dapat diperoleh di website PT Reasuransi MAIPARK Indonesia *) Statistic Report is available on PT Reasuransi MAIPARK Indonesia s Website iv

6 Informasi Statistik Statistic Information 1. Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan posisi 3 Juni Sesi Limit 2.1. Limit Sesi atas setiap risiko (any one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah sebagai berikut: Untuk daerah Jawa Barat, Banten dan DKI: 5% (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,5, (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 21, 211 dan % (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 25,,, (dua puluh lima miliar Rupiah) atau yang setara dengan USD 2,631,578. (dua juta enam ratus tiga puluh satu lima ratus tujuh puluh delapan Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis 1. Statistic Report is based on Underwriting Year basis, which is recorded as at 3 June Cession Limit 2.1. Cession Limit of any one risk for the combined material damage and business interruption are as follows: For West Java, Banten and DKI: 5% (five percent) of the total sum insured, being a maximum of USD 2,5, (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 21, 211 and % (five percent) of the total sum insured, being a maximum of Rp.25,,, (twenty five billion Indonesian Rupiahs) or equal to USD 2,631,578. (two million six hundred thirty one thousand five hundred seventy eight U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 213. v

7 Untuk Underwriting Year Untuk daerah Indonesia lainnya: 25% (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,5, (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 21, 211 dan % (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 25,,, (dua puluh lima miliar Rupiah) atau yang setara dengan USD 2,631,578. (dua juta enam ratus tiga puluh satu lima ratus tujuh puluh delapan Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year Terhitung sejak 1 Januari 214 Limit Sesi atas setiap risiko (any one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah 15% (lima belas prosen) dari jumlah seluruh pertanggungan (total sum insured) For other Indonesia areas: 25% (twenty five percent) of the total sum insured, being a maximum of USD 2,5, (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 21, 211 and % (twenty five percent) of the total sum insured, being a maximum of Rp.25,,, (twenty five billion Indonesian Rupiahs) or equal to USD 2,631,578. (two million six hundred thirty one thousand five hundred seventy eight U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year Since January 1, 214, Cession Limit of any one risk for the combined material damage and business interruption is 15% (fifteen percent) of the total sum insured, being a maximum of vi

8 maksimum USD 3,5, (tiga juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year Yang dimaksud dengan setiap risiko (anyone risk) adalah akumulasi (aggregate) jumlah harga pertanggungan seluruh risiko pada lokasi yang sama untuk masingmasing perusahaan asuransi. Definisi setiap risiko atau setiap lokasi ditentukan oleh perusahaan asuransi dalam underwriting polis kebakaran 2.3 Dalam hal penutupan secara First Loss Basis / Sub-limit, jumlah yang disesikan sebagaimana diatur dalam butir 2.1 diatas, dikalikan prosentase First Loss Scale. 2.4 Untuk risiko yang ditutup secara koasuransi, jumlah maksimum sesi dari semua anggota ko-asuransi adalah sesuai dengan ketentuan yang diatur dalam 2.1 diatas. Sesi masing-masing perusahaan adalah proporsional sebanding sahamnya dalam ko-asuransi. Dalam hal terdapat penutupan lain selain polis ko-asuransi tersebut pada obyek pertanggungan yang sama, perusahaan asuransi tetap dapat mensesikan risiko dimaksud, dengan catatan jumlah seluruh sesi perusahaan asuransi bersangkutan tidak melebihi ketentuan yang diatur pada butir 2.1. USD 3,5, (three million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year Anyone risk is the accumulation (aggregate) of total sum insured of all risks at the same location for each insurance company. The definition of anyone risk or any location is specified by the insurer or policy issuer in accordance with the fire underwriting policy. 2.3 In First Loss Basis / Sub Limit policies, the amount ceded is stipulated in point 2.1 above, then multiplied by the percentage of First Loss Scale. 2.4 For risks which are covered by coinsurance, the maximum cession from all members of coinsurance is stipulated in point 2.1 above. Each ceding company cedes proportionally depending on its coinsurance share. If there are policies other than coinsurance policy on the same insured object, the insurer is still able to cede such risk subject to total insurance company s cession not exceeding the provision in point 2.1. vii

9 3. Tarif Premi Asuransi Gempa Bumi Indonesia 3.1. Penutupan Full Value Basis mengaplikasikan Tarif Premi Standar Gempa Bumi Indonesia (lampiran 2) Penutupan First Loss / Sub Limit Basis mengaplikasikan standar First Loss Scale (lampiran 3) Perhitungan premi untuk penutupan kurang dari 12 (dua belas) bulan diberlakukan skala premi jangka pendek (lampiran 4) 3.4. Untuk perhitungan premi Business Interruption diberlakukan Indemnity Period Scale (lampiran 5). 4. Obyek Pertanggungan 4.1 Obyek pertanggungan yang dapat disesikan adalah obyek pertanggungan asuransi kebakaran berupa: Kerusakan Fisik: Bangunan Pondasi Penggalian dan Sejenisnya Persediaan Barang Lain-lain Gangguan Usaha: Keuntungan Bruto Upah Kenaikan Biaya Operasional Lain-lain 4.2 Penutupan sebagaimana dimaksud pada butir 4.1. adalah yang ditutup secara langsung (direct business) termasuk ko-asuransi. Penutupan tidak langsung (indirect business / reasuransi) tidak dapat disesikan. 3. Indonesian Standard Earthquake Premium Tariff 3.1. For the coverage of Full Value Basis, apply Indonesian Standard Earthquake Premium Tariff (attachment 2) For the First Loss / Sub Limit Basis coverage apply standard First Loss Scale (attachment 3) Premium calculation for short period coverage is based on Short Period Scale (attachment 4) Premium calculation for business interruption is based on Indemnity Period Scale (attachment 5). 4. Insured Object 4.1. Insured object which can be ceded is fire insurance object such as: Material damage: Building Foundation Excavation and the like Stock Others Business Interruption Gross Profit Wages Increase in cost of working Others 4.2. Insured object referred in point 4.1 is direct business, including coinsurance. Indirect business / reinsurance cannot be ceded. viii

10 5. Pelaporan Bordero Pelaporan bordero dilakukan setiap bulannya untuk semua risiko yang ditutup pada bulan yang bersangkutan dan sudah harus diterima selambat-lambatnya pada akhir bulan berikutnya 5. Bordereaux Submission Bordereaux submission is on a monthly basis for all risks underwritten in the month concerned and should be received by the end of the following month at the latest. ix

11 Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 214 Statistic Overview of Indonesia Earthquake Insurance June 214 A. Umum Berdasarkan data Badan Pusat Statistik, Perekonomian Indonesia pada triwulan II-214 sebagaimana diukur dari Produk Domestik Bruto (PDB), tumbuh sebesar 2,47% dibandingkan triwulan I-214 (q-to-q). Nilai Produk Domestik Bruto (PDB) Indonesia atas dasar harga konstan 2 pada triwulan II-214 mencapai Rp. 724,1 triliun sedangkan pada triwulan I-214 sebesar Rp. 76,7 triliun. Bila dilihat berdasarkan harga berlaku, PDB triwulan II-214 adalah sebesar Rp. 2.48,8 triliun sedangkan triwulan I-214 adalah Rp. 2.44, triliun. B. Struktur Pasar Berdasarkan data Otoritas Jasa Keuangan pada buku Direktori Perasuransian Indonesia 213: Industri Keuangan NonBank Perasuransian, terdapat 82 perusahaan asuransi umum yang memiliki izin beroperasi di Indonesia. A. General Based on Central of Statistics Bureau Data, Indonesian economic in second quarter 214 as measured by Gross Domestic Product (GDP) increased by 2.47 % compared with first quarter 214 (q-to-q). Gross Domestic Product (GDP) based on Constant Price 2 in second quarter 214 reached the amount of Rp trillion while in first quarter 214 was Rp trillion. If it is based on Current Market Price, GDP in second quarter 214 was Rp. 2,48.8 trillion while in first quarter 214 was Rp. 2,44. trillion. B. Market Structure Based on Financial Services Authority data in the book of Indonesian Insurance Directory 213: NonBank Financial Institution Insurance, there are 82 general insurers having operating licenses in Indonesia. C. Premi Bruto Sampai dengan 3 Juni 214, premi bruto asuransi gempa bumi Underwriting Year 21 adalah sebesar Rp , miliar. Premi bruto untuk Underwriting Year 211 tercatat C. Gross Premium As at 3 June 214, earthquake gross premium for Underwriting Year 21 was Rp. 2,117. billion. Gross premium for Underwriting Year 211 was recorded 1

12 Rp ,5 miliar, sedangkan untuk Underwriting Year 212 adalah Rp ,1 miliar. Untuk Underwriting Year 213 dan 214 adalah Rp ,1 miliar dan Rp. 516,4 miliar. Angka angka ini akan terus bergerak naik terutama untuk Underwriting Year 213 dan 214. Tabel 1.1 di bawah ini menyajikan rincian premi bruto berdasarkan jenis okupasi dari Underwriting Year 21 hingga Underwriting Year 214. Prosentase okupasi Industrial selalu berada pada posisi pendapatan tertinggi dibanding 3 (tiga) okupasi lainnya (Agrikultural, Komersial, Residensial), yaitu di atas 52% dari total premi. Meskipun okupasi Komersial, Residensial dan Agrikultural tidak memberikan kontribusi premi sebesar okupasi Industrial, namun ketiga okupasi tersebut memperlihatkan pertumbuhan premi yang cukup signifikan. Hal ini terlihat terutama pada premi okupasi Komersial pada Underwriting Year 211 yang meningkat sebesar 72,81% dari Rp ,35 juta di Underwriting Year 21 menjadi Rp ,36 juta. Rp. 2,814.5 billion, while for Underwriting Year 212 was Rp. 2,642.1 billion. For Underwriting Year 213 and 214 were Rp. 3,668.1 billion and Rp billion. These figures would certainly increase especially for Underwriting Year 213 and 214. The table 1.1 below shows the details of gross premium based on occupation from Underwriting Year 21 to Underwriting Year 214. Industrial occupation always has the biggest percentage income compared to 3 (three) remaining occupations (Agricultural, Commercial, Residential), that is above 52% from premium total. Although occupation of Commercial, Residential and Agricultural do not contribute premium as much as Industrial occupation, those three occupation show significant premium growth. In this case, the premium under Commercial occupation in Underwriting Year 211 increased by 72.81% from Rp. 434, million in Underwriting Year 21 to Rp. 751,51.36 million. Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 3 Juni 214 Table 1.1 Gross Premium and Ratio By Occupation as at 3 June 214 Dalam Jutaan Rupiah In Million Rupiah Underwriting Okupasi Agrikultural / Agricultural Total 21 2, % 434, % 1,298, % 363, % 2,117, , % 751, % 1,696, % 342, % 2,814, , % 64, % 1,626, % 344, % 2,642, , % 1,299, % 1,936, % 42, % 3,668, , % 139, % 28, % 91, % 516,42.3 T O T A L 19, ,266, ,838, ,543, ,758,

13 D. Jumlah Risiko Tabel 1.2 di bawah ini menyajikan jumlah risiko pada Underwriting Year 21 hingga Underwriting Year 214 yang tercatat sampai dengan 3 Juni 214. D. Number of Risks Table 1.2 below shows the number of risks from Underwriting Year 21 to Underwriting Year 214 recorded until 3 June 214. Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 3 Juni 214 Table 1.2 Number of Risk By Occupation as at 3 June 214 Okupasi U/Y 21 U/Y 211 U/Y 212 U/Y 213 U/Y 214 Occupation Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Agricultural / Agricultural A Komersial / Commercial C 83, , , , , Industrial / Industrial I 13, , , , , Residensial / Residential R 67, , , , , Jumlah / Total 164, , , , ,228 1 Grafik 1.1 Jumlah Risiko Berdasarkan Okupasi per 3 Juni 214 Graph 1.1 Number of Risks by Occupation as at 3 June 214 3

14 Jumlah risiko terbesar untuk setiap Underwriting Year, dalam hal ini dari Underwriting Year 21 sampai dengan Underwriting Year 214 ada pada okupasi Komersial, yaitu selalu berada pada rasio di atas 41% dari total risiko. Kemudian diikuti oleh okupasi Residensial dengan rasio di atas 35%. Jika terdapat asosiasi antara kontribusi premi dengan banyaknya risiko maka belum tentu asosiasi tersebut berbentuk linear dan positif. Hal ini dibuktikan dengan apabila melihat dari premi bruto tertinggi berada di okupasi industrial sedangkan banyak risiko tertinggi berada pada okupasi komersial. The highest number of risks for each Underwriting Year, in this case from Underwriting Year 21 to Underwriting Year 214, is under Commercial occupation, which is always on the ratio above 41% from the total risk. Then, it is followed by Residential occupation with ratio above 35%. If there is any association between the premium contribution and the number of risks then the association is not necessarily linear nor positive. This is proved which the highest gross premium is on the industrial occupation while the highest total risk is under commercial occupation. E. Incurred Claim E. Incurred Claim Berdasarkan tabel 1.3 di bawah ini frekuensi klaim gempa bumi paling banyak terjadi di Underwriting Year 211 yaitu sebanyak 94 klaim dan didominasi okupasi Komersial sebanyak 67 klaim. Hal ini disebabkan oleh kejadian gempa bumi di 211 yaitu Gempa Bumi Nusa Dua pada tanggal 13 Oktober 211 dengan kekuatan 6,8 S.R dan Gempa Bumi Sibolga pada tanggal 6 November 211 dengan kekuatan 6,7 S.R. Based on table 1.3 below, the highest earthquake claim frequency occurred in underwriting year 211 was 94 claims and it dominated by Commercial occupation of 67 claims. It was caused by Earthquakes in 211 namely Nusa Dua Earthquake on 13 October 211 with a magnitude of 6.8 S.R and Sibolga Earthquake on 6 November 211 with a magnitude of 6.7 S.R. 4

15 Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 3 Juni 214 Table 1.3 Claim Frequency By Occupation as at 3 June 214 Okupasi Occupation Underwriting Year Agrikultural / Agricultural A Komersial / Commercial C Industrial / Industrial I 1 4 Residensial / Residential R Jumlah / Total Berdasarkan Tabel 1.4 dan grafik di bawah ini terlihat bahwa untuk frekwensi klaim tinggi berada pada Total Incurred Claim yang relative kecil, sedangkan untuk frekwensi klaim kecil berada pada Total Incurred Claim yang relative besar. Based on table 1.4 and graph below it can be seen that the high frequency claims lies in relatively small Total Claim Incurred, while low frequency claims lies in relatively big Total Claim Incurred. Tabel 1.4 Frekwensi Incurred Claim Underwriting Year 213 Per 3 Juni 214 Table 1.4 Frequency Incurred Claim Underwriting Year 213 as at 3 June 214 Incurred Claim () *) Claim Incurred ()*) *) Dalam Rupiah *) In Rupiah Frekwensi Total Incurred Claim Rata-rata Incurred Claim Incurred Claim Tertinggi Inccured Claim Terendah Frequency Total Claim Incurred Average Claim Incurred Highest Claim Incurred Lowest Claim Incurred ,89,547 25,738,97 5,, 3,997, ,, 1,, 1,, 1,, ,, 15,, 15,, 15,, ,, 283,333,333 3,, 25,, ,55, 58,55, 58,55, 58,55, 75-1, 1, - 1,5 4 4,973,575, 1,243,393,75 1,451,375, 1,161,1, 1,5-2, 1 1,6,, 1,6,, 1,6,, 1,6,, 2, - 2,5 2,5-3, 3, - 4, 4, - 5, 1 4,296,7, 4,296,7, 4,296,7, 4,296,7, 5, - 7,5 7,5-1, 1 8,,, 8,,, 8,,, 8,,, 1, - 2, 2, - 5, 1 34,833,, 34,833,, 34,833,, 34,833,, 5, - 1, 1, - 5, 1 242,,, 242,,, 242,,, 242,,, 5, - up Total ,895,4,547 5

16 Dengan melihat tabel 1.5 tampak bahwa jumlah klaim terbesar berada pada Underwriting Year 213. Klaim yang terbesar adalah pada okupasi Komersial, yaitu 98,9% dari total klaim di Underwriting Year 213 atau sebesar Rp. 294,6 miliar. Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 3 Juni 214 Table 1.5 Claim Amount By Occupation as at 3 June 214 Looking at table 1.5 below, it shows that the largest claim is in the Underwriting Year 213. The largest claim is under Commercial occupation that is 98.9% of the total claim in Underwriting Year 213 or Rp billion. Dalam Rupiah In Rupiah Underwriting Year Okupasi Occupation Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Agrikultural / Agricultural A Komersial / Commercial C 42,467,94, ,983,627, ,67,541, ,622,986, ,499, Industrial / Industrial I 76,224, ,188,73,4 1.7 Residensial / Residential R 371,785, ,658, ,, ,944, Jumlah / Total 43,599,14, ,367,285, ,72,541, ,895,4, ,499, Tabel 1.6 di bawah ini menyajikan kejadian Gempa Bumi Tahun 214 dan Incurred Claim sampai dengan 3 Juni 214. Table 1.6 below shows earthquake events occurred in 214 and the corresponding incurred claims as at 3 June

17 Tabel 1.6 Kejadian Gempa Bumi Tahun 214 dan Klaim per 3 Juni 214 Table 1.6 Earthquake Event in 214 and Claim as at 3 June 214 Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Event Date of Loss Magnitude (S.R) Klaim Claim Dalam Rupiah In Rupiah Cilacap 25-Jan ,698,4 Palu 23-Feb ,, Lombok Utara 6-Mar ,, Kuta 9-Mar ,499, Yogya 2-Apr ,, Tabel 1.7 di bawah ini menyajikan klaim untuk event Cilacap, Palu, Lombok Utara, Kuta dan Yogya perjenis okupasi. Table 1.7 shows Cilacap, Palu, Lombok Utara, Kuta and Yogya events by occupation. Tabel 1.7 Kejadian Gempa Bumi Tahun 214 dan Klaim per Okupasi per 3 Juni 214 Table 1.7 Earthquake Event in 214 and Claim per Occupation as at 3 June 214 Okupasi Occupation Kejadian Event Tanggal Kejadian Date of Loss Frekwensi Frequency Agrikultural / Komersial / Industrial / Residensial / Agricultural Commercial Industrial Residential Agrikultural / Agricultural Jumlah (Dalam Rupiah) Amount (In Rupiah) Komersial / Industrial / Commercial Industrial Residensial / Residential Cilacap 25-Jan ,698,4 Palu 23-Feb ,, Lombok Utara 6-Mar ,, Kuta 9-Mar ,499, Yogya 2-Apr ,, Tabel di bawah ini adalah daftar klaim terbesar sampai dengan tanggal 3 Juni 214. The table below is a list of the largest claims as at 3 June 214. Daftar Klaim - Klaim Terbesar Posisi 3 Juni 214 List of The Largest Claims as at 3 June 214 No. Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Klaim Event Date of Loss Magnitude (S.R) Claim Dalam Rupiah In Rupiah 1 ACEH ,531,992, YOGYA ,67,865, PADANG ,482,652, BENGKULU ,757,464, PADANG ,969,561,63 6 TASIKMALAYA ,411,146, PARIAMAN ,82,789,656, BIMA ,74,765, MERAPI *) 27,532,644, KELUD *) 75,355,862, *) Penyebab terkait letusan gunung berapi Caused by volcanic eruption 7

18 Tabel 1.8 menyajikan data jumlah polis dan loss ratio per 3 Juni 214. Tabel tersebut menunjukkan bahwa loss ratio tertinggi berada pada Underwriting Year 213 sebesar 8,12%. Hal ini dipengaruhi oleh nilai klaim yang cukup tinggi yang mayoritas disebabkan dari Erupsi Gunung Kelud tahun 214. Table 1.8 shows number of policies, and loss ratio as at 3 June 214. The table show that the biggest loss ratio was at Underwriting Year 213 i.e. 8.12%. It was influenced by large amount of claim that majority resulting from Kelud Eruption in 214. Tabel 1.8 Jumlah Polis dan Loss Ratio per 3 Juni 214 Table 1.8 Number of Policies and Loss Ratio as at 3 June 214 Underwriting Jumlah Polis Premi *) Frekwensi Klaim Jumlah Klaim *) Year Number of Policies Premium *) Claim Frequency Incurred Claim *) Loss Ratio ,566 2,117,44,12, ,599,14, % ,92 2,814,449,181, ,367,285, % ,69 2,642,59,72, ,72,541, % ,42 3,668,79,83, ,895,4, % , ,42,34, ,499,.2% Tabel 1.9 menyajikan Premi dan Exposure per 3 Juni 214. Table 1.9 shows Premium and Exposure as at 3 June 214. Tabel 1.9 Premi dan Exposure per 3 Juni 214 Table 1.9 Premium and Exposure as at 3 June 214 Premi Underwriting Year Premium Dalam Jutaan Rupiah In Million Rupiah Exposure Exposure 21 2,117,44.1 1,671,822, ,814, ,149,612, ,642, ,933,35, ,668,79.8 2,257,649, , ,95, T O T A L 11,758, ,346,484,

19 9

20 National Aggregate Exposure By Cresta Zone As at 3 June 214 (In Billion IDR) 78, , , , , , , ,56, , , , , , , , ,76, , , , , ,89.36 UY 21 55, UY , , UY , , , , , , ,15.5 1, ,166, , , , , , , ,7.69 UY 213 UY 214 1

21 National Aggregate Exposure By Occupation As At 3/6/214 Table 2.2 in IDR Occupation U/Y 21 U/Y 211 U/Y 212 U/Y 213 U/Y 214 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 17,597,981,439, ,17,36,793, ,542,66,772, ,588,615,88, ,64,675,45, COMMERCIAL C 314,285,21,73, ,84,317,165, ,953,181,486, ,12,198,911, ,9,368,953, INDUSTRIAL I 1,67,486,693,222, ,358,133,871,343, ,23,494,1,647, ,258,68,763,318, ,722,946,527, RESIDENTIAL R 272,452,42,117, ,53,612,13, ,316,71,142, ,331,868,987, ,641,148,97, T O T A L 1,671,822,278,51,3 1 2,149,612,17,315,68 1 1,933,35,915,47,72 1 2,257,649,447,97, ,95,139,793,

22 National Aggregate Exposure By Occupation As at 3 June 214 ( In Billion IDR ) Industrial, 1,23,494. Industrial, 1,67, Residential, 272,452.4 Industrial, 1,358, Commercial, 449, Commercial, 314,285.2 Agricultural, 17, Commercial, 538,84.32 Agricultural, 23, Residential, 229,316.7 UY 21 Agricultural, 2,17.31 Residential, 232,53.61 UY 212 Industrial, 1,258,68.76 UY 211 Residential, 261, Commercial, 9,9.37 Industrial, 179, Commercial, 715,12.2 Agricultural, 22, Agricultural, 3,64.68 Residential, 6, UY 213 UY

23 National Aggregate Exposure By Interest As At 3/6/214 Table 2.3 In IDR Interest U/Y 21 U/Y 211 U/Y 212 U/Y 213 U/Y 214 Amount % Amount % Amount % Amount % Amount % Building 766,323,31,478, ,952,32,517, ,597,6,964, ,654,711,894, ,86,242,82, Machinery 374,247,72,35, ,91,647,264, ,829,714,97, ,24,437,799, ,42,857,544, Others 183,196,39,863, ,96,14,233, ,993,289,264, ,97,526,86, ,724,727,949, Stock 217,22,24,939, ,736,399,68, ,414,612,321, ,818,539,667, ,922,68,892, Bussiness Interruption 13,852,894,878, ,52,725,619, ,471,237,526, ,1,231,65, ,22,63,586, T O T A L 1,671,822,278,51,3 1 2,149,612,17,315,68 1 1,933,35,915,47,72 1 2,257,649,447,97, ,95,139,793,

24 14

25 National Aggregate Exposure By Province As At 3/6/214 Table 2.4 In IDR U/Y 21 U/Y 211 U/Y 212 U/Y 213 U/Y 214 Province Amount % Amount % Amount % Amount % Amount % 1. NAD 46,14,656,466, ,526,298,867, ,219,191,535, ,657,894,667, ,461,776, SUMATERA UTARA 63,492,74,289, ,13,99,15, ,86,17,362, ,638,81,17, ,312,23,87, SUMATERA BARAT 22,48,712,992, ,15,952,213, ,363,23,666, ,565,29,98, ,282,129,569, RIAU 32,775,423,381, ,791,99,269, ,62,861,223, ,344,18,94, ,9,494,723, JAMBI 5,229,365,51, ,124,393,638, ,586,717,823, ,572,987,881, ,443,179, SUMATERA SELATAN 37,96,19,822, ,246,743,77, ,443,792,678, ,383,888,221, ,15,864,569, BENGKULU 3,89,385,866, ,6,846,922, ,425,982,619, ,683,955,568, ,917,45, LAMPUNG 16,664,884,556, ,537,241,664, ,922,645,241, ,815,745,423, ,642,425,837, KEP BANGKA-BELITUNG 3,336,58,21, ,41,959,885, ,766,494,35, ,323,717,622, ,246,489, KEPULAUAN RIAU 15,498,254,822, ,672,378,996, ,911,675,328, ,46,767,645, ,37,245,191, JAKARTA 34,756,716,572, ,729,545,545, ,433,156,994, ,273,12,619, ,795,34,71, JAWA BARAT 395,957,149,459, ,831,45,348, ,646,335,86, ,858,82,315, ,483,696,763, JAWA TENGAH 68,286,66,186, ,732,458,384, ,788,881,561, ,896,67,87, ,158,982,685, DIY 1,48,946,388, ,855,86,649, ,448,943,382, ,51,81,33, ,585,18,954, JAWA TIMUR 246,339,591,641, ,1,761,834, ,77,481,416, ,317,259,41, ,15,54,145, BANTEN 212,46,981,5, ,967,223,342, ,843,575,998, ,885,296,28, ,263,484,664, BALI 39,388,712,49, ,316,415,11, ,1,55,282, ,227,427,739, ,349,128,347, NUSA TENGGARA BARAT 2,915,151,771, ,77,47,54, ,813,414,732, ,285,337,143, ,129,115, NUSA TENGGARA TIMUR 862,786,991, ,617,483,32, ,88,622,521, ,618,84,194, ,124,799, KALIMANTAN BARAT 4,184,375,74, ,929,74,391, ,65,948,15, ,763,187,719, ,448,711,148, KALIMANTAN TENGAH 11,726,628,849, ,228,74,133, ,765,79,853, ,151,288,957, ,935,911, KALIMANTAN SELATAN 14,511,411,75, ,152,72,447, ,512,72,524, ,68,655,77, ,884,168, KALIMANTAN TIMUR 47,865,592,184, ,545,227,879, ,491,445,984, ,231,43,535, ,71,196,633, SULAWESI UTARA 8,853,717,87, ,477,589,638, ,198,321,917, ,83,552,5, ,63,784,18, SULAWESI TENGAH 1,344,987,489, ,234,731,75, ,17,382,14, ,84,8,216, ,136,668,617, SULAWESI SELATAN 16,691,786,994, ,58,761,77, ,785,161,368, ,828,151,433, ,338,86,113, SULAWESI TENGGARA 18,974,413,466, ,114,59,975, ,617,896,396, ,379,121,68, ,917,474, GORONTALO 12,13,778,366, ,81,22,449, ,148,963,626, ,884,122,579, ,72,216, SULAWESI BARAT 1,862,398,413, ,16,177, ,119,41,365, ,276,355,221, ,397,172, MALUKU 959,192,17, ,12,162,473, ,288,36,897, ,524,424,62, ,689,348, MALUKU UTARA 431,793,359, ,254,266, ,191,487, ,27,755, ,837,9, PAPUA BARAT 1,739,199,1, ,191,55,888, ,224,546,86, ,46,298,33, ,744,49, PAPUA 3,213,345,3, ,526,287,596, ,57,59,894, ,452,639,19, ,23,364,121, T O T A L 1,671,822,278,51,3 1 2,149,612,17,315,68 1 1,933,35,915,47,72 1 2,257,649,447,97, ,95,139,793,

26 National Gross Premium By Cresta Zone As At 3/6/214 Table 3.1 in IDR U/Y 21 U/Y 211 U/Y 212 U/Y 213 U/Y 214 Cresta Zone Amount % Amount % Amount % Amount % Amount % A ACEH 1.1 6,51,22, ,255,283, ,217,13, ,64,414, ,123, MEDAN ,667,398, ,387,933, ,758,683, ,475,89, ,185,619, OTHERS ,31,175, ,337,111, ,987,31, ,759,734, ,774,619, NORTH SUMATERA 1 138,19,776, ,98,328, ,963,124, ,3,39, ,88,362, PADANG ,778,827, ,733,272, ,733,32, ,533,118, ,78,388, PALEMBANG ,39,74, ,169,847, ,791,272, ,764,55, ,255,14, OTHERS ,788,94, ,324,65, ,81,262, ,314,773, ,785,468, SOUTH SUMATERA 2 16,958,436, ,227,77, ,65,567, ,612,442, ,82,961, JAKARTA ,818,985, ,156,787, ,985,432, ,86,669, ,76,234, UNG 3.2 8,241,42, ,916,85, ,352,973, ,225,832, ,632,818, OTHERS ,934,96, ,355,355, ,454,125, ,245,84,318, ,374,641, WEST JAVA 3 1,22,994,988, ,513,428,949, ,552,792,532, ,924,116,82, ,713,694, SEMARANG ,636,48, ,986,696, ,676,772, ,639,28, ,553, YOGYAKARTA ,9,93, ,336,936, ,48,28, ,818,6, ,865,666, OTHERS ,914,369, ,331,935, ,982,73, ,996,766, ,728,582, CENTRAL JAVA 4 96,559,942, ,655,567, ,77,756, ,453,981, ,26,82, SURABAYA ,164,896, ,714,413, ,214,285, ,97,222, ,738,67, OTHERS ,299,933, ,65,643, ,128,826, ,539,9, ,945,737, EAST JAVA 5 286,464,83, ,365,57, ,343,112, ,51,123, ,684,344, KALIMANTAN 6 68,41,654, ,47,876, ,213,381, ,158,298, ,8,98, UJUNG PANDANG 7.1 8,854,97, ,478,899, ,183,34, ,861,527, ,473,466, OTHERS ,392,876, ,697,25, ,49,696, ,247,23, ,942,846, SULAWESI 7 76,246,973, ,176,15, ,674,, ,18,73, ,416,312, OTHER ISLANDS 8 69,388,41, ,27,526, ,76,245, ,819,368, ,57,575, T O T A L 2,117,44,12, ,814,449,181, ,642,59,72, ,668,79,83, ,42,34,

27 National Gross Premium By Cresta Zone As at 3 June 214 (in Billion IDR) , , , UY UY 212 UY North Sumatera South Sumatera West Java , Central Java East Java Kalimantan Sulawesi Other Islands 45.3 UY 213 UY

28 National Gross Premium By Occupation As At 3/6/214 Table 3.2 in IDR Occupation U/Y 21 U/Y 211 U/Y 212 U/Y 213 U/Y 214 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 2,834,99, ,897,315, ,417,831, ,249,212, ,76,326, COMMERCIAL C 434,867,351, ,51,364, ,941,397, ,299,163,32, ,781,955, INDUSTRIAL I 1,298,239,15, ,696,66,138, ,626,955,347, ,936,516,719, ,452,87, RESIDENTIAL R 363,12,646, ,435,363, ,745,143, ,15,838, ,91,665, T O T A L 2,117,44,12, ,814,449,181, ,642,59,72, ,668,79,83, ,42,34,

29 National Gross Premium By Occupation As at 3 June 214 ( In Billion IDR ) Residential, Industrial, 1, Industrial, 1, Commercial, Agricultural, 2.83 Commercial, Industrial, 1, Commercial, Residential, UY 21 Residential, Agricultural, UY 212 Agricultural, 23.9 UY 211 Industrial, 1, Residential, Commercial, Industrial, Commercial, 1, Agricultural, 3.25 Agricultural, 5.8 Residential, 91.9 UY UY

30 National Gross Premium By Province As At 3/6/214 Table 3.3 In IDR Province U/Y 21 U/Y 211 U/Y 212 U/Y 213 U/Y 214 Amount % Amount % Amount % Amount % Amount % 1. NAD 61,933,427, ,272,745, ,295,732, ,42,253, ,622, SUMATERA UTARA 76,86,349, ,77,582, ,667,391, ,879,785, ,438,74, SUMATERA BARAT 39,338,1, ,336,271, ,26,451, ,328,752, ,956,366, RIAU 33,33,443, ,916,34, ,927,979, ,88,189, ,638,88, JAMBI 5,242,221, ,935,791, ,449,768, ,971,74, ,26,485, SUMATERA SELATAN 39,288,814, ,91,421, ,38,391, ,81,11, ,173,489, BENGKULU 5,473,651, ,256,467, ,232,11, ,386,39, ,59,294, LAMPUNG 22,692,71, ,252,857, ,388,99, ,919,39, ,261,463, KEP BANGKA-BELITUNG 2,953,443, ,654,439, ,392,3, ,214,582, ,922, KEPULAUAN RIAU 12,936,141, ,784,485, ,915,872, ,11,853, ,229,131, JAKARTA 433,818,985, ,156,787, ,985,432, ,86,669, ,76,234, JAWA BARAT 54,589,65, ,62,37, ,29,495, ,86,475, ,428,564, JAWA TENGAH 81,521,61, ,898,241, ,344,49, ,343,834, ,641,45, DIY 15,38,341, ,757,326, ,363,346, ,11,147, ,385,756, JAWA TIMUR 286,464,83, ,365,57, ,343,112, ,51,123, ,684,344, BANTEN 282,586,351, ,67,123, ,777,63, ,449,675, ,578,895, BALI 54,63,52, ,45,757, ,773,98, ,92,174, ,619,94, NUSA TENGGARA BARAT 4,44,96, ,152,954, ,45,338, ,399,398, ,15,98, NUSA TENGGARA TIMUR 1,281,77, ,433,951, ,25,43, ,613,523, ,23, KALIMANTAN BARAT 3,715,242, ,39,986, ,362,263, ,436,893, ,46,96, KALIMANTAN TENGAH 9,889,548, ,276,315, ,646,886, ,518,777, ,366, KALIMANTAN SELATAN 12,861,818, ,763,591, ,25,545, ,595,989, ,487, KALIMANTAN TIMUR 41,944,44, ,327,983, ,998,685, ,66,636, ,519,29, SULAWESI UTARA 14,782,31, ,731,185, ,21,635, ,822,846, ,88,172, SULAWESI TENGAH 2,4,618, ,453,159, ,317,966, ,119,245, ,935,25, SULAWESI SELATAN 17,313,977, ,633,832, ,812,288, ,65,33, ,386,254, SULAWESI TENGGARA 21,176,342, ,519,227, ,79,398, ,66,596, ,298, GORONTALO 18,33,748, ,432,169, ,55,23, ,582,547, ,18, SULAWESI BARAT 2,665,975, ,46,53, ,676,57, ,912,163, ,452, MALUKU 1,748,451, ,761,141, ,348,939, ,872,698, ,161, MALUKU UTARA 736,16, ,55,412, ,319,477, ,8,677, ,653, PAPUA BARAT 2,543,62, ,177,814, ,33,319, ,972,63, ,35, PAPUA 4,574,834, ,22,495, ,763,784, ,32,265, ,963,986, T O T A L 2,117,44,12, ,814,449,181, ,642,59,72, ,668,79,83, ,42,34,

31 Number Of Risk By Cresta Zone As At 3/6/214 Table 4.1 Cresta Zone U/Y 21 U/Y 211 U/Y 212 U/Y 213 U/Y 214 A ACEH MEDAN 1.2 5,664 5,776 5,976 6,247 1,341 OTHERS 1.3 5,147 4,49 4,593 3, NORTH SUMATERA 1 11,445 1,783 11,155 1,482 2,128 PADANG 2.1 8,363 9,866 1,569 1,366 2,822 PALEMBANG 2.2 1,613 1,44 1,514 1, OTHERS ,28 16,559 17,249 16,69 2,478 SOUTH SUMATERA 2 27,4 27,865 29,332 28,8 5,54 JAKARTA ,145 38,635 36,144 45,54 7,124 UNG 3.2 1,684 1,146 1,986 2, OTHERS ,731 34,81 36,444 36,666 6,428 WEST JAVA 3 71,56 73,862 74,574 84,199 13,795 SEMARANG YOGYAKARTA 4.2 2,468 2,155 2,299 2, OTHERS 4.3 1,54 9,711 1,254 9,87 2,599 CENTRAL JAVA 4 13,387 12,535 13,355 12,733 3,146 SURABAYA 5.1 6,32 6,62 6,167 5,985 1,14 OTHERS 5.2 7,829 7,287 7,698 7,792 1,248 EAST JAVA 5 13,861 13,349 13,865 13,777 2,262 KALIMANTAN 6 7,2 5,726 7,565 6, UJUNG PANDANG 7.1 1,737 1,851 1,89 1, OTHERS 7.2 6,43 7,24 6,163 5, SULAWESI 7 8,14 8,875 8,53 7,594 1,14 OTHER ISLANDS 8 12,167 12,97 14,17 14,6 2,641 T O T A L 164, ,92 172,69 178,42 31,228 21

32 22

33 Number Of Risk By Occupation As At 3/6/214 Table 4.2 Occupation U/Y 21 % U/Y 211 % U/Y 212 % U/Y 213 % U/Y 214 % AGRICULTURAL A COMMERCIAL C 83, , , , , INDUSTRIAL I 13, , , , , RESIDENTIAL R 67, , , , , T O T A L 164, , , , ,

34 Number of Risk By Occupation As at 3 June 214 Industrial, 13,867 Agricultural, 42 Residential, 61,77 Residential, 67,168 Commercial, 91,41 Commercial, 83,9 Industrial, 14,995 Industrial, 16,282 Commercial, 94,29 Agricultural, 441 Agricultural, 379 Residential, 59,127 UY 21 UY 212 Industrial, 2,373 Commercial, 94,194 Industrial, 17,166 UY 211 Residential, 15,796 Commercial, 12,988 Residential, 66,245 Agricultural, 437 Agricultural, 71 UY 213 UY

35 Claim Frequency by Occupation As At 3/6/214 Table 5.1 Occupation U/Y 21 U/Y 211 U/Y 212 U/Y 213 U/Y 214 AGRICULTURAL A COMMERCIAL C INDUSTRIAL I 1 4 RESIDENTIAL R T O T A L

36 26

37 Claim Frequency by Cresta Zone As At 3/6/214 Table 5.2 Cresta Zone U/Y 21 U/Y 211 U/Y 212 U/Y 213 U/Y 214 A ACEH MEDAN OTHERS NORTH SUMATERA PADANG PALEMBANG 2.2 OTHERS SOUTH SUMATERA JAKARTA UNG OTHERS WEST JAVA SEMARANG 4.1 YOGYAKARTA OTHERS CENTRAL JAVA SURABAYA 5.1 OTHERS EAST JAVA KALIMANTAN 6 UJUNG PANDANG OTHERS SULAWESI OTHER ISLANDS T O T A L

38 28

39 Claim by Occupation As At 3/6/214 Table 5.3 In IDR Occupation U/Y 21 U/Y 211 U/Y 212 U/Y 213 U/Y 214 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A COMMERCIAL C 42,467,94, ,983,627, ,67,541, ,622,986, ,499, 1 INDUSTRIAL I 76,224, ,188,73,4 1.7 RESIDENTIAL R 371,785, ,658, ,, ,944, T O T A L 43,599,14, ,367,285, ,72,541, ,895,4, ,499, 1 29

40 Commercial 97.4% Claim By Occupation As at 3 June 214 Commercial 97.9% Commercial 97.66% Residential.85% Agricultural % Industrial 1.74% Industrial % Residential 2.91% Agricultural % UY 21 Industrial % Residential 2.34% Agricultural % UY 212 Commercial 98.9% UY 211 Commercial 1% Industrial 1.7% Residential.3% Agricultural % Industrial % Residential % Agricultural % UY 214 UY 213 3

41 Claim by Cresta Zone As At 3/6/214 Table 5.4 In IDR Cresta Zone U/Y 21 U/Y 211 U/Y 212 U/Y 213 U/Y 214 Amount % Amount % Amount % Amount % Amount % A ACEH ,965, ,583,593, ,43,714, ,,.1 MEDAN ,388,4.4 11,128, ,936, OTHERS ,24, ,435, NORTH SUMATERA 1 619,594, ,855,157, ,445,651, ,,.1 PADANG ,39,8.39 PALEMBANG 2.2 OTHERS 2.3 1,26,841, 7.7 5,, ,997,822. SOUTH SUMATERA 2 1,325,231, ,, ,997,822. JAKARTA 3.1 2,58,.1 5,,.31 UNG ,353, ,511,.1 OTHERS ,327,39.9 7,1,.4 17,438,2 1.1 WEST JAVA 3 39,835, ,453, ,438, ,511,.1 SEMARANG 4.1 YOGYAKARTA 4.2 3,472,169, ,23,435,36.41 OTHERS 4.3 4,49,914, ,417,768, ,499, 1 CENTRAL JAVA 4 34,522,84, ,648,23, ,499, 1 SURABAYA 5.1 OTHERS ,8, ,74,986, EAST JAVA 5 46,8, ,74,986, KALIMANTAN 6 UJUNG PANDANG ,224, OTHERS 7.2 9,491, ,662,8.4 77,942, ,,.2 SULAWESI 7 85,716, ,662,8.4 77,942, ,,.2 OTHER ISLANDS 8 7,52,865, ,55,78, ,51, ,35, T O T A L 43,599,14, ,367,285, ,72,541, ,895,4, ,499, 1 31

42 Claim By Cresta Zone As at 3 June 214 ( In Million IDR ) Central Java, 34,522.8 East Java, 46.1 Kalimantan, Sulawesi, North Sumatera, 7, South Sumatera, 1, West Java, Central Java, East Java, Kalimantan, Sulawesi, 6.66 North Sumatera, 1, West Java, South Sumatera, UY 21 North Sumatera, Other Islands, 7,52.87 Other Islands, 7,55.78 Other Islands, UY 212 Sulawesi, South Sumatera, 5 West Java, Central Java, East Java, Kalimantan, UY 211 East Java, 292,74.99 West Java, Central Java, 14.5 South Sumatera, North Sumatera, Central Java, 5,648.2 West Java, South Sumatera, 4. North Sumatera, 21. Other Islands, Sulawesi, 5 Kalimantan, UY 213 Other Islands, Sulawesi, Kalimantan, East Java, UY

43 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : As At 3/6/214 OCCUPATION : ALL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM LOSS RATIO F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (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) 1 5 7,391 7, , , ,5 125, , , ,796 24, , , ,733 26, , , , , , , ,673 4, , , , , 58, , , , , , 1,5 62,49 521, , , , ,5 2, 32, , , , , , , 2,5 2, , , , , ,5 3, 15,976 59, , , , , 4, 2,2 61, , , , , 5, 14, , , , , , 7,5 19,37 644, , , , , ,5 1, 12,64 656, , ,59, , , , 2, 19, , , ,457, , , , 5, 16, , , ,189, , , , 1,. 8,127 71, , ,981, , , , 5,. 8,44 79, ,411, ,392, , , , UP 2, , ,365, ,758, , ,

44 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 214 As At 3/6/214 OCCUPATION : ALL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i 1 5 2,568 2, ,28 3, ,546 6, ,56 8, , ,197 13, ,5.4 4, ,39 16, , , , 2,81 18, , , , 1,5 2,89 21, , , ,5 2, 1,835 23, , , , 2,5 1,92 24, , , ,5 3, , , , , 4, 1, 26, , , , 5, , , , , 7, , , , ,5 1, , , , , 2, , , , , 5, 685 3, , , , 1, , , , , 5, , , , , UP 94 31, , ,

45 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 213 As At 3/6/214 OCCUPATION : ALL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) PERCENTAGE (p)/(h) CUM q/i ,915 13, ,387 27, , , ,85 45, , , ,273 58, , , ,727 77, , , ,824 91, , , , 13,759 15, , , , , 1,5 19,61 124, , , , ,5 2, 9,26 134, , , , , 2,5 5, , , , , ,5 3, 4,34 144, , , , , 4, 5, , , , , , 5, 3, , , , , , 7,5 5,42 158, , , , ,5 1, 3,62 162, , , , , , 2, 5, , , , , , , 5, 4, , , , , , 1,. 2, , , , ,33. 42, , 5,. 2, , , ,553, , , , UP , ,114, ,668, , ,

46 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 212 As At 3/6/214 OCCUPATION : ALL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i ,213 17, ,478 3, , , ,128 49, , , ,528 63, , , ,934 82, , , ,677 95, , , , 13,917 19, , , , 1,5 16,72 125, , , ,5 2, 7, , , , , 2,5 4, , , , ,5 3, 3, , , , , 4, 4, , , , , 5, 3,389 15, , , , 7,5 4, , , , ,5 1, 3,73 158, , , , , 2, 4,82 163, , , , , 5, 3, , , , , , 1,. 2,29 169, , , , , 5,. 2,44 171, , ,311, , , UP , ,33, ,642, ,

47 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 211 As At 3/6/214 OCCUPATION : ALL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i ,871 16, ,844 29, , , ,249 48, , , ,528 62, , , ,2 81, , , ,193 94, , , , 13,546 18, , , , 1,5 13, , , , ,5 2, 7, , , , , , 2,5 4, , , , , ,5 3, 3, , , , , , 4, 4, , , , , , 5, 3, , , , , , 7,5 4,469 15, , , , , ,5 1, 2, , , , , , 2, 4, , , , , , 5, 3, , , , , , , 1,. 1,8 163, , , , , , 5,. 1,98 165, , ,27, , , , UP , ,66, ,814, ,

48 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 21 As At 3/6/214 OCCUPATION : ALL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,824 19, ,511 34, , , ,23 54, , , ,898 67, , , ,153 85, , , ,94 11, , , , 14, , , , , 1,5 1,78 126, , , ,5 2, 6, , , , , , 2,5 4, , , , , ,5 3, 3,258 14, , , , , 4, 3, , , , , , 5, 2, , , , , , 7,5 3, , , , , ,5 1, 2, , , , , , 2, 3, , , , , , 5, 3,35 16, , , , , 1,. 1, , , , , , 5,. 1, , , ,33, , , , UP , ,83, ,117, , ,

49 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 214 As At 3/6/214 OCCUPATION : AGRICULTURAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i , , 1, ,5 2, , 2, ,5 3, , 4, , 5, , 7, ,5 1, , 2, , 5, , 1, , 5, , , , UP , ,

50 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 214 As At 3/6/214 OCCUPATION : COMMERCIAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i 1 5 1,226 1, , , , ,454 4, , ,159 5, , , , 1,278 7, , , , 1,5 1,282 8, , , ,5 2, 924 9, , , , 2, , , , ,5 3, 428 1, , , , 4, 52 1, , , , 5, , , , , 7, , , , ,5 1, , , , , 2, 44 12, , , , 5, 34 12, , , , 1, , , , , 5, , , , , UP 18 12, , ,

51 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 214 As At 3/6/214 OCCUPATION : INDUSTRIAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY FROM TO f CUM rp CUM f CUM rp (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (q)/ (q) CUM (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i , , 1, ,5 2, , 2, , ,5 3, , , 4, 11 1, , , 5, 9 1, , , 7, , , , ,5 1, 124 1, , , , 2, 232 1, , , , 5, 257 1, , , , 1, , , , , 5, , , , , UP 64 2, , ,

52 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 214 As At 3/6/214 OCCUPATION : RESIDENTIAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i 1 5 1,177 1, , ,573 3, ,654 5, , ,632 7, ,5.75 2, ,787 9, , , , 1,457 11, , , , 1,5 1,379 12, , , ,5 2, 87 13, , , , 2, , , , ,5 3, , , , , 4, , , , , 5, , , , , 7, , , , ,5 1, , , , , 2, , , , , 5, , , , , 1, , , , , 5, , , , , UP 11 15, , ,

53 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 213 As At 3/6/214 OCCUPATION : AGRICULTURAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i , , 1, ,5 2, , 2, ,5 3, , 4, , 5, , 7, ,5 1, , , 2, , , 5, ,7.74 4, , 1, , , , 5, , , , UP ,64.9 3,

54 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 213 As At 3/6/214 OCCUPATION : COMMERCIAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i 1 5 7,88 7, ,99 15, , ,429 23, , , ,849 29, , , ,959 38, , , ,824 46, , , , 7,962 54, , , , , 1,5 12,842 67, , , , ,5 2, 5,327 72, , , , , 2,5 3,229 75, , , , ,5 3, 2,373 77, , , , , 4, 2,9 8, , , , , 5, 2,172 83, , , , , 7,5 2,82 85, , , , ,5 1, 1,861 87, , , , , 2, 2,711 9, , , , , , 5, 2,132 92, , , , , 1, , , , ,33. 38, , 5, , , , , , , UP 17 94, , ,299, , ,

55 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 213 As At 3/6/214 OCCUPATION : INDUSTRIAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) PERCENTAGE (p)/(h) CUM q/i 1 5 1,646 1, , , , , , , , 68 5, , , 1,5 98 6, , , ,5 2, 732 6, , , , 2, , , , ,5 3, 53 7, ,12.4 9, , 4, 722 8, , , , 5, 59 9, , , , 7,5 1,42 1, , , ,5 1, , , , ,6 1, , 2, 1,56 12, , , , , , 5, 1,717 14, , , , , 1,. 1,129 15, , , , , 5,. 1,243 16, , , , , UP , ,273, ,936, ,

56 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 213 As At 3/6/214 OCCUPATION : RESIDENTIAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i 1 5 5,175 5, ,92 1, ,864 18, , , ,888 25, , , ,99 34, , , ,262 41, , , , 5,176 46, , , , 1,5 5,223 51, , , ,5 2, 3,129 54, , , , 2,5 1,932 56, , , ,5 3, 1,451 58, , , , 4, 1,879 59, , , , 5, 1,164 61, , , , 7,5 1,523 62, , , ,5 1, , , , , 2, 1,25 64, , , , 5, , , , , 1, , , , , 5, , , , , UP 59 66, , ,

57 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 212 As At 3/6/214 OCCUPATION : AGRICULTURAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i , , 1, ,5 2, , 2, ,5 3, , 4, , 5, , 7, ,5 1, , 2, , , 5, , , , 1, , , , 5, ,434. 2, , UP , ,

58 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 212 As At 3/6/214 OCCUPATION : COMMERCIAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i 1 5 1,419 1, ,59 19, , , ,69 28, , , ,31 35, , , ,311 44, , , ,24 51, , , , 8,512 6, , , , 1,5 1,63 7, , , ,5 2, 4,654 75, ,6.52 6, , 2,5 2,73 77, , , ,5 3, 2,19 8, , , , 4, 2,64 82, , , , 5, 1,881 84, , , , 7,5 2,486 87, , , ,5 1, 1,592 88, , , , , 2, 2,49 91, , , , , 5, 1,776 92, , , , , 1, , , , , , 5, , , , , , UP 95 94, , , ,

59 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 212 As At 3/6/214 OCCUPATION : INDUSTRIAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i , , , , , , , 653 4, , , 1, , , , ,5 2, 694 6, , , , 2, , , , ,5 3, 516 7, , , , 4, 749 8, , , , 5, 588 8, , , , 7,5 1,37 9, , , ,5 1, 784 1, , , , 2, 1,486 12, , , , 5, 1,632 13, , , , 1, , , , , 5,. 1,183 15, , , , UP 41 16, ,5, ,626,

60 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 212 As At 3/6/214 OCCUPATION : RESIDENTIAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i 1 5 5,91 5, ,478 1, ,781 19, ,9.4 2, ,587 25, , , ,835 34, , , ,751 4, , , , 4,743 45, , , , 1,5 4,497 49, , , ,5 2, 2,584 52, , , , 2,5 1,556 53, , , ,5 3, 1,218 54, , , , 4, 1,422 56, , , , 5, 97 57, , , , 7,5 1,182 58, , , ,5 1, , , , , 2, 897 6, , , , 5, 523 6, , , , 1, , , , , 5, , , , , UP 44 61, , ,

61 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 211 As At 3/6/214 OCCUPATION : AGRICULTURAL PROCESSING DATE 18/7/214 (a) SUM INSURED () (in Million Rp) NUMBER OF RISKS F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (b) (c) (d) (e) (f) GROSS PREMIUM (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (m) (n) (o) (p) (q) (r) (s) LOSS RATIO PERCENTAGE (p)/(h) (t) CUM q/i (u) , , 1, ,5 2, , 2, ,5 3, , 4, , 5, , 7, ,5 1, , 2, , , 5, , , , 1, , , , 5, , , , UP , ,

62 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 211 As At 3/6/214 OCCUPATION : COMMERCIAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i ,633 12, ,883 2, , ,527 3, , , ,257 36, , , ,453 45, , , ,7 52, , , , 8,385 6, , , , 1,5 8,429 69, , , ,5 2, 4,191 73, , , , 2,5 2,591 76, , , ,5 3, 1,976 78, , , , , 4, 2,562 8, , , , , 5, 1,859 82, , , , , 7,5 2,372 84, , , , , ,5 1, 1,487 86, , , , , 2, 2,32 88, , , , , 5, 1,68 9, , , , , , 1, , , , , , , 5, , , , , , , UP 71 91, , , ,

63 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 211 As At 3/6/214 OCCUPATION : INDUSTRIAL PROCESSING DATE 18/7/214 (a) SUM INSURED () (in Million Rp) NUMBER OF RISKS F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (p)/(h) q/i (b) (c) (d) (e) (f) (g) (h) GROSS PREMIUM CLAIM FREQUENCY (i) (j) (k) (l) (m) (n) INCURRED CLAIM LOSS RATIO (o) (p) (q) (r) (s) (t) (u) , , , , , , 663 3, , , 1, , , , ,5 2, 78 5, , , , 2, , , , ,5 3, 471 6, ,47. 9, , 4, 735 7, , , , 5, 593 7, , , , 7, , , , ,5 1, 763 9, , , , 2, 1,427 1, , , , 5, 1,638 12, , , , 1, , , , , 5,. 1,24 14, , , , UP , ,152, ,696,

64 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 211 As At 3/6/214 OCCUPATION : RESIDENTIAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i 1 5 3,732 3, ,668 8, ,16 17, , , ,877 24, , , ,51 33, ,4.32 1, ,894 39, , , , 4,492 43, , , , 1,5 4,277 48, , , ,5 2, 2,454 5, , , , 2,5 1,491 52, , , ,5 3, 1,191 53, , , , 4, 1,373 54, , , , 5, , , , , 7,5 1,122 56, , , ,5 1, 64 57, , , , 2, 81 58, , , , 5, , , , , 1, , , , , 5, , , , , UP 43 59, , ,

65 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 21 As At 3/6/214 OCCUPATION : AGRICULTURAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i , , 1, ,5 2, , 2, ,5 3, , 4, , 5, , 7, ,5 1, , 2, , , 5, , , , 1, , , , 5, , , , UP , ,

66 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 21 As At 3/6/214 OCCUPATION : COMMERCIAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (q)/ (q) CUM (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i ,327 13, ,432 19, , ,95 28, , , ,674 34, , , ,459 42, , , ,41 49, , , , 8,592 58, , , , 1,5 6,19 64, , , ,5 2, 3,612 68, , , , 2,5 2,383 7, , , ,5 3, 1,727 72, , , , , 4, 2,145 74, , , , , 5, 1,55 75, , , , , 7,5 1,951 77, , , , ,5 1, 1,152 78, , , , , 2, 1,811 8, , , , , 5, 1,399 82, , , , , 1, , , , , , 5, , , , , , , UP 49 83, , , , ,

67 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 21 As At 3/6/214 OCCUPATION : INDUSTRIAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i , , , , , , 685 3, , , 1,5 86 4, , , ,5 2, 679 5, , , , 2, , , , ,5 3, 454 6, , , , 4, 584 6, , , , 5, 52 7, , , , 7, , , , ,5 1, 698 8, , , , 2, 1,34 1, , , , 5, 1,428 11, , , , 1, , , , , 5,. 1,7 13, , , , UP , , ,298,

68 PT. Reasuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 21 As At 3/6/214 OCCUPATION : RESIDENTIAL PROCESSING DATE 18/7/214 SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM CLAIM FREQUENCY INCURRED CLAIM F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f CUM rp CUM f CUM rp CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) LOSS RATIO PERCENTAGE (a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (p)/(h) CUM q/i 1 5 5,89 5, ,682 13, , ,617 24, , , ,837 31, ,44.9 5, ,885 39, , , ,298 48, , , , 5,16 53, , , , 1,5 3,929 57, , , ,5 2, 2,238 59, , , , 2,5 1,348 6, , , ,5 3, 1,66 61, , , , 4, 1,244 63, , , , 5, , , , , 7, , , , ,5 1, , , , , 2, , , , , 5, , , , , 1, , , , , 5, , , , , UP 53 67, , ,

69 Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 214, per 3 Juni 214 Indonesian Earthquake Distribution by Province, Underwriting Year 214, as at 3 June

70 Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 214 Indonesian Earthquake Distribution M > 5 and Claim Incurred 214 6

71 Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 214, per 3 Juni 214 Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 214 Indonesian Earthquake Distribution by Province, Underwriting Year 214, as at 3 June 214, Indonesian Earthquake Distribution M > 5 and Claim Incurred

72 DAMAGE RATIO Damage ratio dari Gempa Padang 27 diproses berdasarkan 97 klaim di daerah terdampak. Gempa terjadi pada tanggal 6 Maret 27 dengan magnitudo 5.8 SR dan kedalaman 33 km (BMG, 27). Episenter gempa berada di darat sekitar 19 km selatan kota Bukit Tinggi atau 5 km utara kota Padang. Lokasi dan mekanisme fokus gempa ini menunjukkan goncangan terjadi di Sesar Sumatera, yaitu sesar geser yang menjangkau sepanjang pulau Sumatera. Gempa ini merusak kota Bukit Tinggi dengan MMI VIII. Getaran gempa juga dirasakan dibeberapa daerah lain seperti kota Padang (MMI VI) dan Tanah Datar (MMI VIII). Berdasarkan data klaim dari Gempa Padang 27, menunjukkan pembagian zona dengan MMI sebagai berikut: 1. Zona MMI VI: a. Rata-rata kerusakan.59%, b. Sebaran tertinggi kerusakan berada di rusak sangat ringan (5%) yaitu 1.29% dari portfolio di zona tersebut. 2. Zona MMI VII: a. Rata-rata kerusakan 2.47%, b. Sebaran tertinggi kerusakan berada di rusak sangat ringan (5%) yaitu 5.88% dari portfolio di zona tersebut. c. Sedangkan untuk rusak ringan (2%) dan rusak sedang (45%) jumlah kerusakan adalah 2.94% dan 2.21% dari portfolio di zona tersebut. Damage ratio of Padang Earthquake 27 was processed based on 97 claims in affected area. Earthquake occurred on March 6 th 27 with magnitude 5.8 SR at depth 33 km (BMG, 27). Epicenter was located at 19 km South of Bukit Tinggi or 5 km north of Padang. The earthquake location and focusmechanism are shown shock occurring on the Sumatera Fault, i.e. shear fault that extends along the Sumatera Island. This earthquake damaged Bukit Tinggi with MMI VIII. The shock was also felt in several other areas such as Padang (MMI VI) and Tanah Datar (MMI VIII). Based on claims data of Padang Earthquake 27, show the zone distribution with the following MMI: 1. Zone MMI VI: a. Mean damage factor is.59%, b. The highest damage distribution is in very light damage (5%) which is 1.29% of the portfolio in the area. 2. Zone MMI VII: a. Mean damage factor is 2.47%, b. The highest damage distribution is in very light damage (5%) i.e. 5.88% of the portfolio in the area. c. As for the light damage (2%) and moderate damage (45%), the amount of damage is 2.94% and 2.21% of the portfolio in the area. 62

73 3. Zona MMI VIII: a. Rata rata kerusakan sudah cukup tinggi yaitu 1.88% dari portfolio yang berada di zona tersebut. b. Mengalami rusak ringan (2%) yaitu 2% dari portfolio, rusak berat (8%) yaitu 5% dari portfolio dan kerugian total (1%) yaitu 2.5% dari portfolio. Data di atas menunjukkan daerah dengan intensitas VIII memiliki ancaman kerugian yang cukup besar dengan nilai 1.88% dari total portfolio yang berada di zona tersebut. 3. Zone MMI VIII: a. Mean damage factor is quite high at 1.88% of the portfolio in the area. b. Suffered light damage (2%) i.e. 2% of portfolio, heavy damage (8%) i.e. 5% of portfolio, and total damage (1% loss) i.e. 2.5% of portfolio. The data above shows that the area with intensity VIII has a threat of substantial losses to the value of 1.88% of the total portfolio in the zone. Tabel Mean Damage / Mean Damage Table MMI VI MMI VII MMI VIII 1.% 1.% 1.% Damage Ratio (%) 8.% 45.% 2.% 5.% 8.% 45.% 2.% 5.% 8.% 45.% 2.% 5.%.5%.5%.5% % 5.% 1% % 5.% 1% % 5.% 1% 15.% 2% Claim Number (%) 63