ASURANSI Gempa Bumi Indonesia Per 30 Juni 2012

Transkripsi

1 w w w. m a i p a r k. c o m LAPORAN STATISTIK ASURANSI Gempa Bumi Indonesia Per 3 Juni 212 Indonesian Earthquake Insurance Statistic As at 3 June PT Asuransi MAIPARK Indonesia

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

3 Daftar Isi Contents 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 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 Exposure Asuransi Gempa Bumi Indonesia... Tabel 2.1. Exposure Per Cresta Zone... 7 Tabel 2.2. Exposure Per Okupasi Tabel 2.3. Exposure Per Interest Tabel 2.4. Exposure Per Provinsi Indonesia Earthquake Insurance Exposure... Table 2.1.Exposure By Cresta Zone... 7 Table 2.2.Exposure By Occupation... 9 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 Tabel 3.2. Gross Premium Per Okupasi Tabel 3.3. Gross Premium Per Provinsi Indonesian Earthquake Insurance Gross Premium... Table 3.1.Gross Premium By Cresta Zone Table 3.2.Gross Premium By Occupation Table 3.3.Gross Premium By Province Jumlah Risiko Asuransi Gempa Bumi Indonesia... Tabel 4.1. Jumlah Risiko Per Cresta Zone Tabel 4.2. Jumlah Risiko Per Okupasi Indonesian Earthquake Insurance Number of Risks. Table 4.1.Number of Risk By Cresta Zone Table 4.2.Number of Risk By Occupation Klaim Asuransi Gempa Bumi Indonesia... Tabel 5.1. Klaim Frekwensi Per Okupasi Tabel 5.2. Klaim Frekwensi Per Cresta Zone Tabel 5.3. Klaim Per Okupasi Tabel 5.4. Klaim Per Cresta Zone Indonesian Earthquake Insurance Claim... Table 5.1. Claim Frequency By Occupation Table 5.2. Claim Frequency By Cresta Zone 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 212, Seluruh Okupasi Underwriting Year 211, Seluruh Okupasi Underwriting Year 21, Seluruh Okupasi Underwriting Year 29, Seluruh Okupasi Underwriting Year 28, Seluruh Okupasi Risk and Loss Profile... Underwriting Year , All Occupation Underwriting Year 212, All Occupation Underwriting Year 211, All Occupation Underwriting Year 21, All Occupation Underwriting Year 29, All Occupation Underwriting Year 29, All Occupation Profil Risiko dan Klaim Underwriting Year 212 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residential... 4 Risks and Loss Profile Underwriting Year 212 By Occupation... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation... 4 Profil Risiko dan Klaim Underwriting Year 211 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residential Risk and Loss Profile Underwriting Year 211 By Occupation Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Profil Risiko dan Klaim Underwriting Year 21 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residential Risks and Loss Profile Underwriting Year 21 By Occupation... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Profil Risiko dan Klaim Underwriting Year 29 Per Okupasi... Okupasi Agrikultural Okupasi Komersial... 5 Okupasi Industrial Okupasi Residential Risks and Loss Profile Underwriting Year 29 By Occupation... Agricultural Occupation Commercial Occupation... 5 Industrial Occupation Residential Occupation iii

5 Profil Risiko dan Klaim Underwriting Year 28 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residential Risk and Loss Profile Underwriting Year 28 By Occupation Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Peta Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 212, per 3 Juni Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 212, per 3 Juni 212, Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred UY Map Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 212, as at 3 June Indonesian Earthquake Distribution M > 5 and Claim Incurred Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 212, as at 3 June 212, Indonesian Earthquake Distribution M > 5 and Claim Incurred Damage Ratio.. 6 Lampiran 1. Daftar Istilah Tarif Asuransi Gempa Bumi Indonesia Skala First Loss Tabel Jangka Waktu Pertanggungan Kurang Dari Satu Tahun Tabel Indemnitas Damage Ratio.. 6 Attachments 1. Glossaries Indonesian Earthquake Insurance Tariff First Loss Scale Short Period Table Less Than One Year Period Indemnity Table Referensi 1. Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam-LK) 2. Asosiasi Asuransi Umum Indonesia (AAUI) 3. Biro Pusat Statistik (BPS) Refference 1. Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) 2. General Insurance Association of Indonesia (AAUI) 3. Central of Statistic Bureau (BPS) iv

6 Informasi Statistik Statistic Information 1. Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan posisi 3 Juni Sesi Limit 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 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 Yang dimaksud dengan setiap risiko (anyone risk) adalah akumulasi (aggregate) jumlah harga pertanggungan seluruh risiko pada lokasi yang sama untuk masing-masing perusahaan asuransi. Definisi setiap risiko atau setiap lokasi ditentukan oleh perusahaan asuransi dalam underwriting polis kebakaran. 1. Statistic Report is based on Underwriting Year basis, which is recorded as at 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 other Indonesia areas are 25% (twenty five percent) of total sum insured, maximum of USD 2,5,. (two million five hundred thousand U.S USD 2,5,. (two million five hundred thousand U.S. Dollars) for each risk, each insurance company or policy issuer 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. v

7 2.3 Dalam hal penutupan secara First Loss Basis / Sub-limit, jumlah yang disesikan sebagaimana diatur dalam butir 2.1 diatas, dikalikan prosentase First Loss Scale. 2.4 Untuk risiko yang ditutup secara ko-asuransi, jumlah maksimum sesi dari semua anggota koasuransi adalah sesuai dengan ketentuan yang diatur dalam 2.1 diatas. Sesi masing-masing perusahaan adalah proporsional sebanding sahamnya dalam koasuransi. Dalam hal terdapat penutupan lain selain polis ko-asuransi tersebut pada obyek pertanggungan yang sama, perusahaan asuransi tetap dapat mensesikan risiko dimaksud, dengan catatan jumlah seluruh sesi perusahaan asuransi bersangkutan tidak melebihi ketentuan yang diatur pada butir In First Loss Basis / Sub Limit policies, the amount ceded is stipulated in point 2.1 above, then multiplied by the percentage of First Loss Scale. 2.4 For risks which are covered by co-insurance, the maximum cession from all members of coinsurance is stipulated in point 2.1 above. Each ceding company cedes proportionally depending on its co-insurance share. If there are policies other than 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 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) Untuk perhitungan premi Business Interruption diberlakukan Indemnity Period Scale (lampiran 5). 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). vi

8 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 koasuransi. 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 selambatlambatnya pada akhir bulan berikutnya. 4. Insured Objects 4.1. Insured objects that can be ceded are insured objects in fire policy. such as : Material damage : Building Foundation Excavation and the like Stock Others Interruption Gross Profit Wages Increase in cost of working Others 4.2. Insured object referred in point 4.1 is direct business, including coinsurance. Indirect business / reinsurance cannot be ceded. 5. Bordereaux Report 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. vii

9 Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 212 Statistic Overview of Indonesian Earthquake Insurance June 212 A. Umum Perekonomian Indonesia pada tahun 211, sebagaimana diukur dari pendapatan Domestik Bruto (PDB), meningkat sebesar 15,6% dari Rp ,9 triliun ditahun 21 menjadi Rp ,1 triliun di tahun 211. B. Struktur Pasar Berdasarkan data Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam-LK) pada Buku Perasuransian Indonesia Tahun 211, terdapat 85 perusahaan asuransi umum yang memiliki izin beroperasi di Indonesia. A. General Indonesian economic in 211, as measured by Gross Domestic Product (GDP), increased by 15.6% from Rp. 6,422.9 trillion in 21 to Rp. 7,427.1 trillion in 211. B. Market Structure Based on Capital Market data and Financial Institution Supervisory Agency (Bapepam-LK) in the Book of Indonesian Insurance 211, there are 85 general insurers having operating licenses in Indonesia. C. Premi Bruto Sampai dengan 3 Juni 212, premi bruto asuransi gempa bumi Underwriting Year 28 adalah sebesar Rp. 1.95,3 miliar. Premi bruto Underwriting Year 29 tercatat Rp 2.529,1 miliar, sedangkan untuk Underwriting Year 21 adalah Rp. 2.31,3 miliar. Untuk Underwriting Year 211 dan Underwriting Year 212 adalah Rp ,1 miliar dan Rp. 385, miliar. Angka-angka ini akan terus bergerak naik terutama untuk Underwriting Year 211 dan Underwriting Year 212. C. Gross Premium As at 3 June 212, the earthquake gross premium for Underwriting Year 28 was Rp. 1,95.3 billion. The Gross Premium for underwriting year 29 was recorded Rp. 2,529.1 billion, while for Underwriting Year 21 was Rp. 2,31.3 billion. For Underwriting Year 211 and Underwriting Year 212 were Rp 2.494,1 billion and Rp. 385, billion. Those figures would certainly increase especially for Underwriting Year 211 and Underwriting Year

10 Dari Underwriting Year 28 sampai dengan Underwriting Year 212, prosentase okupasi Industrial selalu berada pada posisi pendapatan tertinggi dibanding 3 (tiga) okupasi lainnya (Agrikultural, Komersial, Residensial), yaitu di atas 5% dari total premi. Meskipun okupasi Komersial, Residensial dan Agricultural tidak memberikan kontribusi premi sebesar okupasi industrial namun ketiga okupasi tersebut memperlihatkan pertumbuhan premi yang cukup signifikan. Hal ini terlihat terutama pada premi okupasi Agricultural Underwriting Year 21 yang meningkat 67,33% dibanding Underwriting Year 29. Tabel 1.1 di bawah ini menyajikan rincian premi bruto berdasarkan jenis okupasi dari Underwriting Year 28 - Underwriting Year 212. From Underwriting Year 28 to Underwriting Year 212, Industrial occupation is always has the biggest percentage income compared to 3 (three) remaining occupations (Agricultural, Commercial, Residential),that is 5% from premium total. Although occupation of Commercial, Residential and Agricultural do not contribute premium as much as Industrial occupation, those three occupation show significant premium growth. In this case, the premium under Agricultural occupation in Underwriting Year 21 is increased by 67.33% compare to Underwriting Year 29. The table 1.1 below presents the details of gross premium based on the occupation from underwriting year 28 - underwriting year 212. Tabel 1.1 Premi Bruto dan Rasio Berdasar Okupasi per 3 Juni 212 Table 1.1 Gross Premium and Ratio By Occupation as at 3 June 211 Underwriting Okupasi Year Agrikultural / Agricultural Komersial / Commercial Industri / Industrial Residensial / Residential Dalam Jutaan Rupiah In Million Rupiah 28 15, % 413, % 1,322, % 198, % 1,95, , % 43, % 1,88, % 232, % 2,529, , % 419, % 1,237, % 353, % 2,31, , % 712, % 1,447, % 314, % 2,494, , % 121, % 198, % 62, % 385,47.85 Total 2

11 D. Jumlah Risiko Tabel 1.2 dibawah ini menyajikan jumlah risiko pada Underwriting Year 28 hingga Underwriting Year 212 yang tercatat sampai dengan 3 Juni 212. D. Number of Risks Table 1.2 below shows number of risk from Underwriting Year 28 to Underwriting Year 212 recorded until 3 June 212. Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi Underwriting Year per 3 Juni 212 Table 1.2 Number of Risk By Occupation Underwriting Year as at 3 June 212 Occupation U/Y 28 U/Y 29 U/Y 21 U/Y 211 U/Y 212 Okupasi Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Agricultural / Agricultural A % % 44.28% % 52.15% Komersial / Commercial C 68, % 74, % 76, % 68, % 16, % Industrial / Industrial I 1, % 12, % 13, % 14, % 3, % Residensial / Residential R 4, % 42, % 66, % 55, % 14, % Jumlah / Total 12,447 1.% 129,949 1.% 157,989 1.% 138,835 1.% 35,335 1.% Grafik 1.1 Jumlah Risiko Berdasarkan Okupasi per 3 Juni 212 Graph 1.1 Number of Risks by Occupation as at 3 June 212 Industrial, 1,358 Agricultural, 44 Residential, 66,98 Commercial, 68,886 Commercial, 74,64 Commercial, 76,997 Residential, 4,662 Industrial, 12,933 Agricultural, 541 Industrial, 13,644 UY 28 Agricultural, 252 Residential, 42,7 UY 21 Industrial, 3,376 Commercial, 68,576 Industrial, 14,293 UY 29 Residential, 14,934 Commercial, 16,973 Residential, 55,594 Agricultural, 372 UY 211 UY 212 Agricultural, 52 3

12 Jumlah risiko terbesar untuk setiap Underwriting Year, dalam hal ini dari Underwriting Year 28 sampai dengan Underwriting Year 212 ada pada okupasi Komersial, yaitu selalu berada pada rasio diatas 48% dari total risiko. Kemudian diikuti oleh okupasi Residensial sebesar 32%. Jika terdapat asosiasi antara kontribusi premi dengan banyaknya risiko maka belum tentu asosiasi tersebut berbentuk linear dan positif. Hal ini dibuktikan dengan apabila melihat dari premi bruto tertinggi berada di okupasi industrial sedangkan banyak risiko tertinggi berada pada okupasi komersial. The highest number of risks for each Underwriting Year, in this case from Underwriting Year 28 to Underwriting Year 212, is under Commercial occupation, which is always on the ratio above 48% from the total risk. Then, it is followed by Residential occupation, that is 32%. If there is any association between the premium contribution and the number of risks then the association is not necessarily linear nor positive. This is proved which the highest gross premium is on the industrial occupation while the highest total risk is under commercial occupation. E. Incurred Claim E. Incurred Claim Berdasarkan tabel 1.3 di bawah ini frekuensi klaim gempa bumi paling banyak terjadi di Underwriting Year 29 yaitu sebanyak klaim dan didominasi okupasi Komersial sebanyak 1.44 klaim. Hal ini disebabkan oleh kejadian 2 (dua) gempa bumi yang terbesar di 29 yaitu Gempa Bumi Pariaman pada tanggal 3 September 29 dengan kekuatan 7,6 S.R dan Gempa Bumi Tasikmalaya pada tanggal 2 September 29 dengan kekuatan 7, S.R. Based on table 1.3 below, the highest earthquake claim frequency occurred in underwriting year 29 is 1,963 claims and it was dominated by Commercial occupation of 1,44 claims. It was caused by 2 (two) biggest Earthquakes in 29 namely Pariaman Earthquake on 3 September 29 with a magnitude of 7.6 S.R and Tasikmalaya Earthquake on 2 September 29 with a magnitude of 7. S.R. 4

13 Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 3 Juni 212 Table 1.3 Claim Frequency By Occupation as at 3 June 212 Okupasi Occupation Underwriting Year Agrikultural / Agricultural A 27 Komersial / Commercial C 494 1, Industrial / Industrial I Residensial / Residential R Jumlah / Total 775 1, Dengan melihat Tabel 1.4 tampak bahwa jumlah klaim terbesar juga berada pada Underwriting Year 29. Klaim yang terbesar adalah pada okupasi Komersial, yaitu 9,57% dari total klaim di Underwriting Year 29 atau sebesar Rp. 926,97 miliar. Looking at table 1.4 below, it shows that the largest claim is also in the Underwriting Year 29. The largest claim is under Commercial occupation that is 9.57% of the total claim in Underwriting Year 29 or Rp billion. Tabel 1.4 Jumlah Klaim Berdasarkan Okupasi per 3 Juni 212 Table 1.4 Claim Amount By Occupation as at 3 June 212 Dalam Rupiah In Rupiah Underwriting Year Okupasi Occupation Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Agrikultural / Agricultural A..% 14,121,897, %..%..%..% Komersial / Commercial C 36,127,927, % 926,97,22, % 42,87,59, % 12,541,48, %..% Industrial / Industrial I 37,91,297, % 5,939,897, % 76,224, %..%..% Residensial / Residential R 26,122,385, % 76,413,9, % 468,558, % 2,869,828, % 22,,. 1.% Jumlah / Total 37,16,69, % 1,23,445,716, % 44,35,842, % 15,41,876, % 22,,. 1.% 5

14 Tabel 1.5 di bawah ini menyajikan beberapa kejadian Gempa Bumi Tahun 212 yang tercatat sampai dengan 3 Juni 212. Klaim yang terbesar di tahun 212 yaitu sebesar Rp. 1,9 milyar, terutama disebabkan oleh Gempa Bumi Meulaboh yang terjadi pada tanggal 11 April 212. Table 1.5 below shows earthquake events occurred in 212 and the corresponding incurred claims as at 3 June 212. The largest claim in 212 that is Rp. 1.9 billion, mainly caused by Meulaboh Earthquake which occurred on 11 April 212. Tabel 1.5 Gempa Bumi di 212 dan Incurred Claim per 3 Juni 212 Table 1.5 Earthquake in 212 and Incurred Claim as at 3 June 212 Kejadian Tanggal Kejadian Klaim Event Date of Loss Claim in IDR BENGKULU 1-Feb ,323,. MEULABOH 11-Apr-12 1,93,375,. PANDEGLANG 15-Apr-12 2,,. SUKABUMI 4-Jun-12 7,,. Tabel di bawah ini adalah daftar klaim terbesar sampai dengan tanggal 3 Juni 212. The Table below is a list of the biggest claim as at 3 June 212. Daftar Klaim - Klaim Terbesar Posisi 3 Juni 212 List of The Largest Claims as at 3 June 212 No. Kejadian Tanggal Kejadian Klaim Event Date of Loss Claim in IDR 1 ACEH 24-Dec-4 612,428,195, YOGYA 27-May-6 336,759,41, PADANG 6-Mar-7 34,345,934, BENGKULU 12-Sep-7 52,171,966, TASIKMALAYA 2-Sep-9 33,612,291, PARIAMAN 3-Sep-9 1,213,28,489, MERAPI 3-Nov-1 32,448,184, NUSA DUA 13-Oct-11 7,872,31, MANOKWARI 4-Jan-9 3,155,86,

15 National Aggregate Exposure By Cresta Zone As At 3/6/212 Table 2.1 in IDR U/Y 28 U/Y 29 U/Y 21 U/Y 211 U/Y 212 Cresta Zone Amount % Amount % Amount % Amount % Amount % A ACEH 1.1 1,117,28,68, ,156,35,53, ,392,267,279, ,436,786,627, ,274,711, MEDAN 1.2 4,212,231,957, ,716,443,656, ,247,595,558, ,349,59,168, ,372,543,32, OTHERS ,811,64,126, ,642,3,874, ,34,925,775, ,817,793,613, ,329,489,367, NORTH SUMATERA 1 53,14,864,692, ,514,483,61, ,674,788,614, ,63,639,49, ,839,37,399, PADANG 2.1 1,762,443,468, ,925,617,939, ,631,868,99, ,191,939,129, ,429,138,81, PALEMBANG 2.2 8,697,652,14, ,27,735,12, ,732,52,3, ,569,999,841, ,93,653,69, OTHERS ,77,474,976, ,82,354,194, ,453,66,232, ,982,918,227, ,962,28,669, SOUTH SUMATERA 2 121,23,57,584, ,35,77,236, ,817,526,632, ,744,857,198, ,322,,442, JAKARTA ,736,622,661, ,565,936,271, ,667,646,754, ,287,36,28, ,85,872,263, UNG ,169,494,41, ,485,23,66, ,968,555,17, ,72,316,85, ,15,15,823, OTHERS ,358,252,536, ,99,974,216,578, ,496,417,672, ,17,152,78, ,973,682,82, WEST JAVA 3 844,264,369,239, ,4,25,383,457, ,132,619,597, ,177,829,767, ,29,57,98, SEMARANG ,274,533,163, ,327,883,33, ,379,21,61, ,224,474,511, ,433,149,154, YOGYAKARTA 4.2 4,652,232,23, ,467,24,111, ,983,357,7, ,553,188,348, ,279,117, OTHERS ,984,14,363, ,774,964,716, ,76,349,27, ,226,78,193, ,187,25,333, CENTRAL JAVA 4 84,91,869,549, ,57,87,861, ,438,916,888, ,4,371,53, ,612,633,65, SURABAYA ,467,737,26, ,268,28,63, ,461,393,77, ,723,69,6, ,8,3,219, OTHERS ,479,794,36, ,459,73,, ,28,262,247, ,811,758,387, ,579,434,699, EAST JAVA 5 197,947,531,621, ,727,353,64, ,741,656,18, ,535,367,447, ,587,464,919, KALIMANTAN 6 6,796,337,258, ,828,89,41, ,64,597,884, ,667,8,591, ,623,344,61, UJUNG PANDANG ,343,86,672, ,132,233,856, ,426,357,74, ,67,358,585, ,362,519,86, OTHERS ,694,9,91, ,491,89,348, ,877,214,235, ,437,968,, ,763,981,831, SULAWESI 7 55,37,816,583, ,624,124,25, ,33,571,975, ,18,326,586, ,126,51,692, OTHER ISLANDS 8 41,998,212,272, ,7,13,91, ,547,95,666, ,445,26,442, ,289,443,152, T O T A L 1,459,326,571,82, ,156,333,42,18, ,612,26,773,277, ,911,286,426,498, ,61,266,729,

16 84, , , , , , , , , , , , , , ,4, , , , , ,23.57 UY 28 48, ,7.1 64, UY ,35.71 UY 29 North Sumatera South Sumatera 981, , , , , , , , West Java Central Java East Java Kalimantan 5,126.5 Sulawesi 6, , , Other Islands 139, , , , UY 211 UY 212 8

17 National Aggregate Exposure By Occupation As At 3/6/212 Table 2.2 in IDR Occupation U/Y 28 U/Y 29 U/Y 21 U/Y 211 U/Y 212 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 13,194,147,99, ,856,848,215, ,484,829,261, ,731,511,378, ,8,959,538, COMMERCIAL C 32,392,787,835, ,677,857,68, ,278,288,734, ,821,745,86, ,272,76,73, INDUSTRIAL I 1,5,537,785,39, ,647,186,87,663, ,24,336,17,31, ,167,811,215,375, ,867,239,64, RESIDENTIAL R 138,21,85,585, ,611,529,7, ,161,485,25, ,921,953,884, ,669,99,821, T O T A L 1,459,326,571,82, ,156,333,42,18, ,612,26,773,277, ,911,286,426,498, ,61,266,729,

18 ( In Billion IDR ) Industrial, 1,5, Industrial, 1,24, Residential, 138,21.85 Industrial, 1,647, Commercial, 34, Commercial, 32, Agricultural, 13, Agricultural, 17, Residential, 266, UY 28 Commercial, 324, Agricultural, 1, Residential, 173, UY 21 Industrial, 1,167, UY 29 Residential, 213, Commercial, 86,272.8 Industrial, 148, Commercial, 512, Agricultural, 16, Agricultural, 1,8.96 UY 211 Residential, 43, UY 212 1

19 National Aggregate Exposure By Interest As At 3/6/212 Table 2.3 In IDR Interest U/Y 28 U/Y 29 U/Y 21 U/Y 211 U/Y 212 Amount % Amount % Amount % Amount % Amount % Building 662,86,164,43, ,88,211,85, ,978,798,634, ,221,92,569, ,23,63,12, Machinery 38,793,855,89, ,472,855,659, ,984,539,683, ,896,16,158, ,477,996,197, Others 227,798,874,538, ,167,256,915, ,796,71,532, ,185,537,85, ,647,293,432, Stock 155,243,943,381, ,299,881,939, ,32,792,16, ,927,671,25, ,72,898,48, Bussiness Interruption 14,629,734,389, ,34,835,698, ,467,932,41, ,55,281,658, ,758,475,515, T O T A L 1,459,326,571,82, ,156,333,42,18, ,612,26,773,277, ,911,286,426,498, ,61,266,729,

20 9,. 8,. 7,. 6,. 5,. 4,. 3,. Building Machinery Stock Others Business Interruption 2,. 1,. - UY 28 UY 29 UY 21 UY 211 UY

21 National Aggregate Exposure By Province As At 3/6/212 Table 2.4 In IDR U/Y 28 U/Y 29 U/Y 21 U/Y 211 U/Y 212 Province Amount % Amount % Amount % Amount % Amount % 1. NAD 4,291,725,411, ,191,888,657, ,926,85,593, ,125,539,796, ,957,328, SUMATERA UTARA 48,849,139,28, ,322,594,43, ,748,73,2, ,478,99,612, ,27,35,71, SUMATERA BARAT 17,735,476,463, ,923,352,793, ,469,84,286, ,,56,832, ,11,467,968, RIAU 38,886,983,967, ,784,859,145, ,88,632,514, ,469,361,885, ,515,789,97, JAMBI 4,647,891,69, ,29,97,52, ,179,978,87, ,74,448,916, ,258,81, SUMATERA SELATAN 29,45,664,362, ,43,586,155, ,18,54,378, ,559,9,869, ,334,476,565, BENGKULU 2,859,648,889, ,848,67,577, ,56,459,55, ,513,289,959, ,477,741, LAMPUNG 23,524,98,846, ,118,937,328, ,867,719,216, ,381,281,394, ,31,872,569, KEP BANGKA-BELITUNG 241,499,672,98, ,549,86,223, ,953,893,96, ,29,695,289, ,718,224, KEPULAUAN RIAU 416,715,836,612, ,795,898,718, ,2,534,735, ,456,29,49, ,931,938,6, JAKARTA 164,4,657,492, ,757,92,312, ,667,646,754, ,287,36,28, ,85,872,263, JAWA BARAT 86,99,173,399, ,82,796,49, ,93,16,295, ,221,695,883, ,151,642,769, JAWA TENGAH 144,185,499,232, ,515,973,466, ,136,46,766, ,863,43,22, ,267,59,138, DIY 2,84,867,98, ,434,77,297, ,32,456,122, ,14,967,85, ,345,574,466, JAWA TIMUR 61,114,197,121, ,898,867,84, ,741,656,18, ,535,367,447, ,587,464,919, BANTEN 29,913,877,57, ,474,87,33, ,371,956,548, ,668,773,675, ,972,55,875, BALI 51,35,31,112, ,36,864,329, ,476,859,34, ,447,576,49, ,989,775,37, NUSA TENGGARA BARAT 28,856,281,19, ,53,12,462, ,891,649,198, ,745,482,319, ,383,563, NUSA TENGGARA TIMUR 1,914,75,42, ,969,79, ,398,33, ,43,113,49, ,793,212, KALIMANTAN BARAT 1,12,65,325, ,934,185,3, ,14,813,36, ,296,152,845, ,719,624, KALIMANTAN TENGAH 3,569,224,728, ,417,436,16, ,726,216,628, ,371,387,927, ,753,958, KALIMANTAN SELATAN 31,515,832,146, ,214,14,984, ,519,161,454, ,685,221,25, ,933,331, KALIMANTAN TIMUR 8,597,26,872, ,822,485,139, ,218,46,441, ,314,246,568, ,9,937,695, SULAWESI UTARA 1,235,829,355, ,76,466,44, ,877,533,499, ,67,762,464, ,317,599,339, SULAWESI TENGAH 876,448,961, ,21,145,351, ,34,373,947, ,853,51,82, ,113,921, SULAWESI SELATAN 6,855,276,384, ,171,28,162, ,265,218,887, ,265,947,528, ,298,324,376, SULAWESI TENGGARA 5,239,276,585, ,636,151,493, ,97,43,738, ,929,316,572, ,13,92, GORONTALO 63,569,921, ,823,89,398, ,986,93,658, ,533,268,629, ,9,672, SULAWESI BARAT 5,524,167, ,543,314, ,863,138,243, ,521,39, ,243,291, MALUKU 88,896,267, ,583,254, ,837,268, ,98,239, ,88,345, MALUKU UTARA 28,492,544, ,641,25, ,354,361, ,716,773, ,977,145, PAPUA BARAT 117,391,915, ,9,168,699, ,811,975,879, ,72,572,737, ,189,77, PAPUA 2,118,586,267, ,775,171,438, ,155,21,619, ,198,584,473, ,235,88, T O T A L 1,459,326,571,82, ,156,333,42,18, ,612,26,773,277, ,911,286,426,498, ,61,266,729,

22 National Gross Premium By Cresta Zone As At 3/6/212 Table 3.1 in IDR U/Y 28 U/Y 29 U/Y 21 U/Y 211 U/Y 212 Cresta Zone Amount % Amount % Amount % Amount % Amount % A ACEH 1.1 1,442,765, ,426,547, ,854,453, ,761,798, ,962, MEDAN ,92,765, ,836,963, ,472,777, ,249,26, ,174,195, OTHERS ,45,444, ,458,781, ,27,518, ,943,825, ,355,355, NORTH SUMATERA 1 7,58,975, ,722,292, ,534,75, ,954,649, ,786,513, PADANG ,25,315, ,86,316, ,855,597, ,298,68, ,424,775, PALEMBANG 2.2 1,485,54, ,487,846, ,771,746, ,731,641, ,969,776, OTHERS ,848,515, ,15,941, ,361,732, ,242,139, ,776,65, SOUTH SUMATERA 2 148,539,371, ,68,14, ,989,76, ,271,85, ,171,21, JAKARTA 3.1 4,18,67, ,622,774, ,719,365, ,379,325, ,398,817, UNG ,49,79, ,624,91, ,289,84, ,215,352, ,186,652, OTHERS ,49,589, ,244,66,84, ,22,625, ,833,746, ,4,24, WEST JAVA 3 1,131,927,34, ,631,313,761, ,138,211,75, ,37,428,424, ,985,79, SEMARANG ,48,438, ,631,515, ,651,28, ,23,765, ,683,14, YOGYAKARTA 4.2 5,931,12, ,297,895, ,926,45, ,335,14, ,478,246, OTHERS ,644,256, ,858,81, ,536,212, ,22,127, ,873,579, CENTRAL JAVA 4 121,55,797, ,788,221, ,113,466, ,768,33, ,34,966, SURABAYA ,755,331, ,473,54, ,392,129, ,6,952, ,111,127, OTHERS ,352,592, ,973,951, ,252,17, ,832,32, ,51,396, EAST JAVA 5 258,17,924, ,447,491, ,644,236, ,839,254, ,162,523, KALIMANTAN 6 82,69,6, ,818,128, ,799,41, ,286,272, ,177,63, UJUNG PANDANG ,514,188, ,958,384, ,775,25, ,89,283, ,184,145, OTHERS ,648,34, ,686,18, ,368,87, ,97,84, ,219,592, SULAWESI 7 79,162,529, ,644,493, ,144,13, ,717,123, ,43,738, OTHER ISLANDS 8 58,292,672, ,676,27, ,915,818, ,83,112, ,325,565, T O T A L 1,95,276,211, ,529,9,7, ,31,351,478, ,494,95,721, ,47,849,

23 (in Billion IDR) , , , UY UY 21 UY North Sumatera South Sumatera West Java , Central Java East Java Kalimantan Sulawesi Other Islands UY 211 UY

24 National Gross Premium By Occupation As At 3/6/212 Table 3.2 in IDR Occupation U/Y 28 U/Y 29 U/Y 21 U/Y 211 U/Y 212 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 15,423,437, ,346,111, ,659,7, ,839,583, ,439,788, COMMERCIAL C 413,766,385, ,645,249, ,946,812, ,89,83, ,87,49, INDUSTRIAL I 1,322,565,649, ,88,194,645, ,237,513,92, ,447,121,892, ,151,919, RESIDENTIAL R 198,52,738, ,94,694, ,232,566, ,324,442, ,585,65, T O T A L 1,95,276,211, ,529,9,7, ,31,351,478, ,494,95,721, ,47,849,

25 ( In Billion IDR ) Industrial, 1, Residential, Industrial, 1, Agricultural, Industrial, 1,88.19 Commercial, Residential, Commercial, Commercial, Agricultural, 2.66 UY 28 UY 21 Agricultural, Residential, UY 29 Industrial, 1, Residential, Commercial, Industrial, Agricultural, Agricultural, 2.44 Residential, UY 211 Commercial, UY 28 17

26 National Gross Premium By Province As At 3/6/212 Table 3.3 In IDR U/Y 28 U/Y 29 U/Y 21 U/Y 211 U/Y 212 Province Amount % Amount % Amount % Amount % Amount % 1. NAD 5,561,274, ,674,975, ,758,883, ,793,781, ,512, SUMATERA UTARA 65,19,71, ,47,316, ,775,866, ,16,868, ,96,, SUMATERA BARAT 22,443,264, ,923,48, ,424,259, ,379,497, ,553,44, RIAU 44,872,127, ,439,842, ,282,881, ,15,336, ,552,825, JAMBI 5,419,645, ,717,468, ,19,378, ,787,845, ,93,484, SUMATERA SELATAN 36,535,645, ,61,931, ,655,621, ,518,994, ,835,318, BENGKULU 3,754,849, ,836,259, ,413,31, ,22,, ,145, LAMPUNG 3,627,963, ,34,825, ,842,12, ,634,53, ,66,49, KEP BANGKA-BELITUNG 346,514,734, ,229,846, ,611,959, ,999,982, ,225, KEPULAUAN RIAU 534,993,368, ,428,293, ,568,842, ,716,14, ,611,747, JAKARTA 221,389,45, ,147,883, ,719,365, ,379,325, ,398,817, JAWA BARAT 122,91,553, ,38,816,141, ,75,359, ,187,148, ,94,362, JAWA TENGAH 19,115,848, ,678,372, ,32,27, ,7,844, ,31,191, DIY 2,436,837, ,483,326, ,793,258, ,697,188, ,3,774, JAWA TIMUR 76,196,679, ,69,832, ,644,236, ,839,254, ,162,523, BANTEN 38,96,665, ,839,434, ,786,351, ,861,95, ,646,529, BALI 72,52,36, ,132,26, ,681,466, ,638,794, ,76,154, NUSA TENGGARA BARAT 39,814,41, ,267,33, ,49,451, ,656,379, ,99,677, NUSA TENGGARA TIMUR 2,514,476, ,832, ,278,441, ,156,682, ,547, KALIMANTAN BARAT 1,298,919, ,249,411, ,675,83, ,59,576, ,52, KALIMANTAN TENGAH 4,656,123, ,636,92, ,891,68, ,955,955, ,82, KALIMANTAN SELATAN 47,712,986, ,871,6, ,868,292, ,343,52, ,31, KALIMANTAN TIMUR 13,42,348, ,846,231, ,363,877, ,396,687, ,672,978, SULAWESI UTARA 1,488,288, ,144,992, ,827,635, ,864,982, ,426,39, SULAWESI TENGAH 1,163,12, ,468,74, ,994,757, ,887,942, ,815, SULAWESI SELATAN 8,867,287, ,214,235, ,231,931, ,432,663, ,137,665, SULAWESI TENGGARA 6,837,191, ,795,335, ,169,714, ,247,841, ,187, GORONTALO 75,466, ,34,251, ,252,731, ,928,95, ,979, SULAWESI BARAT 6,947, ,826, ,667,241, ,354,787, ,7, MALUKU 17,193, ,85, ,691,321, ,738,443, ,988, MALUKU UTARA 34,296, ,263, ,521, ,262, ,156, PAPUA BARAT 138,153, ,377,473, ,65,973, ,,253, ,189, PAPUA 2,399,446, ,167,273, ,476,643, ,665,298, ,49,852, T O T A L 1,95,276,211, ,529,9,7, ,31,351,478, ,494,95,721, ,47,849,

27 Number Of Risk By Cresta Zone As At 3/6/212 Table 4.1 Cresta Zone U/Y 28 U/Y 29 U/Y 21 U/Y 211 U/Y 212 A ACEH MEDAN 1.2 4,692 5,177 5,355 4,97 1,41 OTHERS 1.3 2,372 3,369 4,98 3, NORTH SUMATERA 1 7,671 9,92 1,961 9,333 2,213 PADANG 2.1 4,28 4,2 8,28 9,542 2,676 PALEMBANG 2.2 1,56 1,595 1,449 1, OTHERS ,832 11,921 16,6 13,736 2,978 SOUTH SUMATERA 2 18,546 17,716 25,663 24,379 5,899 JAKARTA ,22 31,354 34,285 31,77 8,621 UNG 3.2 4,593 1,319 1,651 1, OTHERS 3.3 2,43 27,869 33,544 28,98 7,219 WEST JAVA 3 54,198 6,542 69,48 6,894 16,221 SEMARANG 4.1 2, YOGYAKARTA 4.2 1,968 2,174 2,443 1, OTHERS 4.3 6,879 8,819 1,13 7,612 2,285 CENTRAL JAVA 4 11,381 11,457 12,876 1,229 2,972 SURABAYA 5.1 4,72 5,155 5,849 5,258 1,685 OTHERS 5.2 5,55 6,68 7,42 5,967 1,521 EAST JAVA 5 1,252 11,763 13,251 11,225 3,26 KALIMANTAN 6 4,318 4,724 6,358 4, UJUNG PANDANG 7.1 1,368 1,446 1,594 1, OTHERS 7.2 4,492 3,725 5,944 5, SULAWESI 7 5,86 5,171 7,538 6,955 1,29 OTHER ISLANDS 8 8,221 9,484 11,862 11,638 2,923 T O T A L 12, , , ,835 35,335 19

28 7 6 UY 28 UY 29 UY 21 5 UY 211 UY North Sumatera South Sumatera West Java Central Java East Java Kalimantan Sulawesi Other Islands 2

29 Number Of Risk By Occupation As At 3/6/212 Table 4.2 Occupation U/Y 28 % U/Y 29 % U/Y 21 % U/Y 211 % U/Y 212 % AGRICULTURAL A % % 44.28% % 52.15% COMMERCIAL C 68, % 74, % 76, % 68, % 16, % INDUSTRIAL I 1, % 12, % 13, % 14, % 3, % RESIDENTIAL R 4, % 42, % 66, % 55, % 14, % T O T A L 12,447 1.% 129,949 1.% 157,989 1.% 138,835 1.% 35,335 1.% 21

30 Industrial, 1,358 Agricultural, 44 Residential, 66,98 Commercial, 68,886 Commercial, 74,64 Commercial, 76,997 Residential, 4,662 Industrial, 12,933 Agricultural, 541 Industrial, 13,644 UY 28 Agricultural, 252 Residential, 42,7 UY 21 Industrial, 3,376 Commercial, 68,576 Industrial, 14,293 UY 29 Residential, 14,934 Commercial, 16,973 Residential, 55,594 Agricultural, 372 UY 211 UY 212 Agricultural, 52 22

31 Claim Frequency by Occupation As At 3/6/212 Table 5.1 Occupation U/Y 28 U/Y 29 U/Y 21 U/Y 211 U/Y 212 AGRICULTURAL A 27 COMMERCIAL C 494 1, INDUSTRIAL I RESIDENTIAL R T O T A L 775 1,

32 Agricultural Commercial Industrial Residential UY 28 UY 29 UY 21 UY 211 UY

33 Claim Frequency by Cresta Zone As At 3/6/212 Table 5.2 Cresta Zone U/Y 28 U/Y 29 U/Y 21 U/Y 211 U/Y 212 A ACEH MEDAN OTHERS NORTH SUMATERA NORTH SUMATERA PADANG ,677 7 PALEMBANG 2.2 OTHERS W/S SUMATERA SOUTH SUMATERA , JAKARTA UNG OTHERS WEST JAVA WEST JAVA SEMARANG 4.1 YOGYAKARTA OTHERS CENTRAL JAVA CENTRAL JAVA SURABAYA 5.1 OTHERS EAST JAVA EAST JAVA 5 1 KALIMANTAN 6 UJUNG PANDANG OTHERS SULAWESI SULAWESI OTHER ISLANDS T O T A L 775 1,

34 North Sumatera South Sumatera DKI & West Java 14 DIY & Central Java East Java 12 Kalimantan Sulawesi Other Islands UY 28 UY 29 UY 21 UY 211 UY

35 Claim by Occupation As At 3/6/212 Table 5.3 In IDR Occupation U/Y 28 U/Y 29 U/Y 21 U/Y 211 U/Y 212 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A..% 14,121,897, %..%..%..% COMMERCIAL C 36,127,927, % 926,97,22, % 42,87,59, % 12,541,48, %..% INDUSTRIAL I 37,91,297, % 5,939,897, % 76,224, %..%..% RESIDENTIAL R 26,122,385, % 76,413,9, % 468,558, % 2,869,828, % 22,,. 1.% T O T A L 37,16,69, % 1,23,445,716, % 44,35,842, % 15,41,876, % 22,,. 1.% 27

36 Commercial 82.7% Industrial 1.24% Commercial 97.21% Commercial 9.57% Agricultural.% Residential 7.6% Agricultural.% Residential 1.6% Industrial 1.73% UY 21 UY 28 Agricultural 1.38% Industrial.58% Commercial 81.38% Residential 7.47% UY 29 Residential 1.% Agricultural.% Industrial.% UY 211 Residential 18.62% Agricultural.% Industrial.% Commercial.% UY

37 Claim by Cresta Zone As At 3/6/212 Table 5.4 In IDR Cresta Zone U/Y 28 U/Y 29 U/Y 21 U/Y 211 U/Y 212 Amount % Amount % Amount % Amount % Amount % A ACEH ,98,575..1% 634,63,..6% 195,711, % 6,183,724, % 1,, % MEDAN 1.2..%..% 17,388,4..4% 272,115, %..% OTHERS 1.3 3,756,546, % 42,896,436, % 175,,..4% 62,187,5..4%..% NORTH SUMATERA 1 3,81,527, % 43,531,66, % 388,99, % 6,518,27, % 1,, % PADANG ,52,561, % 91,254,653, %..% 23,,. 1.49%..% PALEMBANG 2.2..%..%..%..%..% OTHERS 2.3 9,389,51, % 817,167, % 1,,..2% 1,484,698,. 9.63% 12,, % SOUTH SUMATERA 2 328,99,613, % 911,71,82, % 1,,..2% 1,714,698, % 12,, % JAKARTA 3.1 9,392,558, % 1,993,45, % 2,58,..1% 7,,..45%..% UNG 3.2 4,55,5, % 16,869,417, %..%..%..% OTHERS 3.3 4,958,162, % 5,631,426, % 37,327,39..8% 2,,..13%..% WEST JAVA 3 18,45,726, % 24,494,249, % 39,835,39..9% 9,,..58%..% SEMARANG 4.1..%..%..%..%..% YOGYAKARTA 4.2..% 171,57, % 3,159,54, %..%..% OTHERS ,5,..1% 9,854,25..% 4,572,731, %..%..% CENTRAL JAVA 4 52,5,..1% 181,362,6.4.2% 34,731,785, %..%..% SURABAYA 5.1..%..%..%..%..% OTHERS 5.2..%..% 35,8,723..8%..%..% EAST JAVA 5..%..% 35,8,723..8%..%..% KALIMANTAN 6..%..%..%..%..% UJUNG PANDANG 7.1..%..% 76,224, %..%..% OTHERS ,777, %..% 5,11, %..%..% SULAWESI 7 684,777, %..% 81,236, %..%..% OTHER ISLANDS 8 18,297,464, % 44,167,218, % 8,2,876, % 7,88,151, %..% T O T A L 37,16,69, % 1,23,445,716, % 44,35,842, % 15,41,876, % 22,,. 1.% 29

38 (in Million IDR) Central Java, 34, South Sumatera, 328,99.61 South Sumatera, 911,71.82 East Java, 35.1 Kalimantan, - Sulawesi, West Java, 18,45.73 West Java, North Sumatera, 3,81.53 UY 28 Other Islands, 18, Sulawesi, Central Java, 52.5 East Java, - Kalimantan, - North Sumatera, 43,531.7 Other Islands, 44, Sulawesi, - Kalimantan, - East Java, - Central Java, West Java, 24, South Sumatera, 1. North Sumatera, UY 21 Other Islands, 8,2.88 UY 29 Other Islands, 7,88.15 North Sumatera, 6,518.3 North Sumatera, 1. North Sumatera South Sumatera West Java Central Java South Sumatera, 12. East Java Kalimantan Sulawesi, - Kalimantan, - East Java, - West Java, 9. Central Java, - South Sumatera, 1,714.7 UY 211 Sulawesi Other Islands Other Islands, - Sulawesi, - West Java, - Kalimantan, - Central Java, - East Java, - UY 212 3

39 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : OCCUPATION : ALL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) NUMBER OF RISKS GROSS PREMIUM (In Million Rp) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) 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 ) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,786 66, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,. 46, , , , , , , ,. 1,5. 39,71 433, , , , , , ,5. 2,. 24, , , , , , , ,. 2,5. 15, , , , , , , ,5. 3,. 12,36 486, , , , , , ,. 4,. 15,54 51, , , , , , ,. 5,. 1, , , , , , , ,. 7,5. 14, , , , , , , ,5. 1,. 1,59 537, , , , , , ,. 2,. 15, , , ,77, , , , ,. 5,. 13, , , ,644, , , , ,. 1,. 6, , , ,223, , , , ,. 5,. 6,897 58, ,78, ,3, , , ,49, ,. UP 1, , ,386, ,389, , , ,453,

40 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 212 OCCUPATION : ALL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In Million Rp) CLAIM FREQUENCY (In Million Rp) LOSS RATIO F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE FROM TO f CUM rp CUM f CUM rp (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (q)/ (q) CUM (r) (p)/(h) CUM q/i ,414 1, ,281 3, ,66 7, , ,12 1, , , ,918 15, , , ,47 18, ,24.2 8, ,. 3,127 21, , , ,. 1,5. 2,893 24, , , ,5. 2,. 1,789 26, , , ,. 2,5. 1,119 27, , , ,5. 3, , , , ,. 4,. 1,19 29, , , ,. 5, , , , ,. 7,5. 1,75 31, , , ,5. 1, , , , ,. 2,. 1,5 33, , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP 67 35, , ,

41 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 211 OCCUPATION : ALL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In Million Rp) CLAIM FREQUENCY (In Million Rp) 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 (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,987 1, ,614 2, ,13.8 1, ,329 36, , , ,8 48, , , ,717 66, , , ,829 78, , , , ,. 1,391 88, , , , ,. 1,5. 9,978 98, , , , ,5. 2,. 6,518 15, , , , ,. 2,5. 4,187 19, , , , ,5. 3,. 3, , , , , ,. 4,. 4,31 117, , , , ,. 5,. 3,24 12, , , , ,. 7,5. 4,8 124, , , , , ,5. 1,. 2, , , , , ,. 2,. 4, , , , , , ,. 5,. 3, , , , , ,. 1,. 1, , , , , , ,. 5,. 1, , , ,79, , , ,. UP , ,414, ,494, ,

42 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 21 OCCUPATION : ALL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) NUMBER OF RISKS FROM TO f CUM rp CUM f CUM rp (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE (q)/ (q) (m) (n) (o) (p) (q) (r) CUM (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) ,938 16, ,474 3, , , ,175 49, , , ,517 62, , , ,833 79, , , ,634 95, , , ,. 14,96 19, , , ,. 1,5. 1,562 12, , , , ,5. 2,. 6, , , , , ,. 2,5. 4,193 13, , , , ,5. 3,. 3, , , , , ,. 4,. 3, , , , , ,. 5,. 2,782 14, , , , ,. 7,5. 3, , , , , ,5. 1,. 2, , , , , ,. 2,. 3,872 15, , , , ,. 5,. 3, , , , , ,. 1,. 1, , , , , ,. 5,. 1, , , ,2, , , ,. UP , ,28, ,31, , ,

43 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 29 OCCUPATION : ALL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (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 (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) ,682 17, , , ,39 27, ,1.88 1, , , ,739 4, , , , , ,734 5, , , , , ,543 65, , , , , , ,432 77, , , , , , ,. 11,476 88, , , , , , ,. 1,5. 8,832 97, , , , , , ,5. 2,. 5,399 13, , , , , , ,. 2,5. 3,83 16, , , , , , ,5. 3,. 2,68 18, , , , , , ,. 4,. 3, , , , , , , ,. 5,. 2, , , , , , , ,. 7,5. 3, , , , , , , ,5. 1,. 2, , , , , , , ,. 2,. 3, , , , , , , ,. 5,. 3, , , , , , , ,. 1,. 1, , , , , , , ,. 5,. 1, , , , , , , ,. UP , ,712, ,529, , , ,23,

44 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 28 OCCUPATION : ALL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) NUMBER OF RISKS FROM TO f CUM rp CUM f CUM rp (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE (q)/ (q) (m) (n) (o) (p) (q) (r) CUM (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) ,765 19, ,583 3, , , , ,39 43, , , , , ,994 52, , , , , ,188 65, , , , , ,497 76, , , , , ,. 7,826 84, , , , , ,. 1,5. 7,445 91, , , , , ,5. 2,. 4,731 96, , , , , ,. 2,5. 2,762 99, , , , , ,5. 3,. 2,183 11, , , , , ,. 4,. 2,84 14, , , , , ,. 5,. 2,53 16, , , , , ,. 7,5. 2,98 19, , , , , ,5. 1,. 2,96 111, , , , , ,. 2,. 3, , , , , , ,. 5,. 2,83 117, , , , , ,. 1,. 1, , , , , , ,. 5,. 1,47 12, , , , , ,. UP , ,117, ,95, , ,

45 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 212 OCCUPATION : AGRICULTURAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In Million Rp) CLAIM FREQUENCY (In Million Rp) LOSS RATIO F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE FROM TO f CUM rp CUM f CUM rp (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) (q)/ (q) CUM (r) (p)/(h) CUM q/i , ,. 1, ,5. 2, ,. 2, ,5. 3, ,. 4, ,. 5, ,. 7, ,5. 1, ,. 2, ,. 5, ,. 1, ,. 5, , , ,. UP ,

46 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 212 OCCUPATION : COMMERCIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In Million Rp) CLAIM FREQUENCY (In Million Rp) 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 (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,262 2, ,428 3, ,249 4, ,172 6, , , ,63 8, , , ,. 1,71 1, , , ,. 1,5. 1,471 11, , , ,5. 2, , , , ,. 2, , , , ,5. 3, , , , ,. 4, , , , ,. 5, , , , ,. 7, , , , ,5. 1, , , , ,. 2, , , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP 15 16, , ,

47 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 212 OCCUPATION : INDUSTRIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In Million Rp) CLAIM FREQUENCY (In Million Rp) 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 (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , ,. 1, , ,5. 2, , , ,. 2, , , ,5. 3, , , ,. 4, , , ,. 5, , , ,. 7, , , , ,5. 1, , , , ,. 2, , , , ,. 5,. 46 2, , , ,. 1, , , , ,. 5, , , , ,. UP 47 3, , ,

48 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 212 OCCUPATION : RESIDENTIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In Million Rp) CLAIM FREQUENCY (In Million Rp) 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 (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , ,12 3, ,737 5, , ,589 7, , , ,651 9, , , ,. 1,274 1, , , ,. 1,5. 1,211 12, , , ,5. 2, , , , ,. 2, , , , ,5. 3, , , , ,. 4, , , , ,. 5, , , , ,. 7, , , , ,5. 1, , , , ,. 2, , , , ,. 5, , , , ,. 1,. 5 14, , , ,. 5, , , , ,. UP 4 14, , ,

49 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 211 OCCUPATION : AGRICULTURAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In Million Rp) CLAIM FREQUENCY (In Million Rp) 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 (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , ,. 1, ,5. 2, ,. 2, ,5. 3, ,. 4, ,. 5, ,. 7, ,5. 1, ,. 2, , ,. 5, , , ,. 1, , , ,. 5, , , ,. UP , ,

50 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 211 OCCUPATION : COMMERCIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In Million Rp) CLAIM FREQUENCY (In Million Rp) 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 (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,971 6, ,92 11, ,222 19, , , ,159 24, , , ,44 32, , , ,641 38, , , ,. 5,494 43, , , ,. 1,5. 5,59 48, , , ,5. 2,. 3,579 52, , , ,. 2,5. 2,251 54, , , ,5. 3,. 1,783 56, , , , ,. 4,. 2,37 58, , , , ,. 5,. 1,641 6, , , , ,. 7,5. 2,111 62, , , , , ,5. 1,. 1,334 63, , , , ,. 2,. 2,14 66, , , , ,. 5,. 1,542 67, , , , ,. 1, , , , , , ,. 5, , , , , , ,. UP 69 68, , , ,

51 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 211 OCCUPATION : INDUSTRIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In Million Rp) CLAIM FREQUENCY (In Million Rp) 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 (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , , , , , , , , ,. 1, , , , ,5. 2,. 66 5, , , ,. 2, , , , ,5. 3, , , , ,. 4,. 76 6, , , ,. 5, , , , ,. 7, , , , ,5. 1, , , , ,. 2,. 1,375 1, , , ,. 5,. 1,579 11, , , ,. 1, , , , ,. 5,. 1,115 13, , , ,. UP , ,6.38 1,447,

52 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 211 OCCUPATION : RESIDENTIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In Million Rp) CLAIM FREQUENCY (In Million Rp) 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 (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,515 3, ,418 7, ,59 16, , , ,471 22, , , ,65 31, , , ,615 37, , , ,. 4,267 41, , , ,. 1,5. 3,997 45, , , ,5. 2,. 2,264 47, , , , ,. 2,5. 1,393 49, , , , ,5. 3,. 1,11 5, , , , ,. 4,. 1,283 51, , , , ,. 5, , , , , ,. 7,5. 1,25 53, , , , ,5. 1, , , , , ,. 2, , , , , ,. 5, , , , , ,. 1, , , , , ,. 5, , , , , ,. UP 42 55, , , ,

53 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 21 OCCUPATION : AGRICULTURAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in M illion 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 (In M illion Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In M illion Rp) (m) (n) (o) (p) (q) (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) , ,. 1, ,5. 2, ,. 2, ,5. 3, ,. 4, ,. 5, ,. 7, ,5. 1, ,. 2, , ,. 5, , , ,. 1, , , ,. 5, , , ,. UP , ,

54 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 21 OCCUPATION : COMMERCIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) NUMBER OF RISKS FROM TO f CUM rp CUM f CUM rp (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE (q)/ (q) (m) (n) (o) (p) (q) (r) CUM (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) ,593 1, ,429 16, , ,11 24, ,89.4 2, ,324 29, ,992. 4, ,17 37, , , ,774 44, , , ,. 8,259 52, , , ,. 1,5. 5,82 58, , , ,5. 2,. 3,588 62, , , ,. 2,5. 2,371 64, , , ,5. 3,. 1,718 66, , , , ,. 4,. 2,136 68, , , , ,. 5,. 1,497 69, , , , ,. 7,5. 1,939 71, , , , ,5. 1,. 1,144 72, , , , ,. 2,. 1,799 74, , , , ,. 5,. 1,383 76, , , , ,. 1, , , , , ,. 5, , , , , , ,. UP 49 76, , , , ,

55 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 21 OCCUPATION : INDUSTRIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (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 (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) , , , , , , , , ,. 1, , , , ,5. 2,. 67 5, ,75.9 5, ,. 2, , , , ,5. 3,. 45 6, , , ,. 4, , , , ,. 5, , , , ,. 7, , , , ,5. 1, , , , ,. 2,. 1,298 1, , , ,. 5,. 1,423 11, , , ,. 1, , , , ,. 5, , , , ,. UP , , ,237,

56 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 21 OCCUPATION : RESIDENTIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) NUMBER OF RISKS FROM TO f CUM rp CUM f CUM rp (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE (q)/ (q) (m) (n) (o) (p) (q) (r) CUM (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) ,87 5, ,654 13, , ,577 24, , , ,87 3, , , ,857 39, , , ,262 48, , , ,. 5,145 53, , , ,. 1,5. 3,914 57, , , ,5. 2,. 2,223 59, , , ,. 2,5. 1,343 6, , , ,5. 3,. 1,65 61, , , ,. 4,. 1,24 62, , , ,. 5, , , , ,. 7, , , , ,5. 1, , , , ,. 2, , , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP 51 66, , ,

57 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 29 OCCUPATION : AGRICULTURAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (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 (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) , ,. 1, ,5. 2, ,. 2, ,5. 3, ,. 4, ,. 5, ,. 7, ,5. 1, , , , ,. 2, , , , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP , , ,

58 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 29 OCCUPATION : COMMERCIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (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 (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) ,251 12, , , ,962 18, , , , ,476 25, , , , , ,549 3, , , , , ,634 37, ,64.8 8, , , ,746 45, , , , , ,. 7,624 53, , , , , ,. 1,5. 5,71 58, , , , , ,5. 2,. 3,58 61, , , , , ,. 2,5. 1,678 63, , , , , ,5. 3,. 1,392 64, , , , , ,. 4,. 1,721 66, , , , , ,. 5,. 1,235 67, , , , , ,. 7,5. 1,638 69, , , , , ,5. 1,. 1,21 7, , , , , ,. 2,. 1,647 71, , , , , ,. 5,. 1,357 73, , , , , ,. 1, , , , , , ,. 5, , , , , , , ,. UP 65 74, , , , , ,

59 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 29 OCCUPATION : INDUSTRIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) NUMBER OF RISKS FROM TO f CUM rp CUM f CUM rp (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE (q)/ (q) (m) (n) (o) (p) (q) (r) CUM (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) , , , , , , , , ,. 1, , , , ,76.8 3, ,5. 2, , , , , ,. 2, , , , , ,5. 3, , , , , ,. 4, , , , , ,. 5, , , , , ,. 7, , , , , ,5. 1, , , , , ,. 2,. 1,273 9, , , , , ,. 5,. 1,426 1, , , , ,. 1, , , , , ,. 5, , , , , ,. UP 31 12, ,519, ,88, ,

60 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 29 OCCUPATION : RESIDENTIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (a) SUM INSURED () (in Million Rp) NUMBER OF RISKS FROM TO f CUM rp CUM f CUM rp (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE (q)/ (q) (m) (n) (o) (p) (q) (r) CUM (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) ,933 4, ,14 8, , , ,774 13, , , , , ,794 18, , , , , ,231 24, , , , , ,83 28, ,85.5 9, ,2.9 43, ,. 3,262 32, , , , , ,. 1,5. 2,988 35, , , , , ,5. 2,. 1,696 36, , , , , ,. 2, , , , ,49.7 7, ,5. 3, , , , , , ,. 4, , , , , , ,. 5,. 63 4, , , , ,. 7, , , , , ,5. 1, , , , , ,. 2, , , , , , ,. 5, , , , , ,. 1, , , , , ,. 5, , , , , ,. UP 36 42, , , ,

61 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 28 OCCUPATION : AGRICULTURAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (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 (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) , ,. 1, ,5. 2, ,. 2, ,5. 3, ,. 4, ,. 5, ,. 7, ,5. 1, , ,. 2, , , ,. 5, , , ,. 1, , , ,. 5, , , ,. UP ,

62 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 28 OCCUPATION : COMMERCIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (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 (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) ,327 14, ,23 21, , ,519 28, , , , , ,333 33, , , , , ,89 4, , , , , ,176 46, , , , , ,. 4,63 51, , , , , ,. 1,5. 4,164 55, , , , , ,5. 2,. 2,71 57, , , , , ,. 2,5. 1,484 59, , , ,688. 7, ,5. 3,. 1,149 6, , , , , ,. 4,. 1,418 61, , , , , ,. 5,. 1,78 63, , , ,83.5 9, ,. 7,5. 1,399 64, , , , , ,5. 1, , , , , , ,. 2,. 1,419 66, , , , , ,. 5,. 1,21 67, , , , , ,. 1, , , , , , ,. 5, , , , , , ,. UP 69 68, , , , ,

63 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 28 OCCUPATION : INDUSTRIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (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 (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) , , , , , , ,. 1, , , ,5. 2, , , , ,. 2, , ,3.95 4, ,5. 3, , , , , , ,. 4,. 48 4, , , , ,. 5, , , , , ,. 7, , , , , ,5. 1, , , , , ,. 2,. 1,11 7, , , , ,. 5,. 1,185 8, , , , ,. 1,. 71 9, , , , , ,. 5, , , , , , ,. UP 28 1, , ,322, , ,

64 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 28 OCCUPATION : RESIDENTIAL RISK & LOSS PROFILE As At 3/6/212 PROCESSING DATE 26/3/213 (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 (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) LOSS RATIO PERCENTAGE (p)/(h) CUM q/i (s) (t) (u) ,217 5, ,38 8, ,516 14, ,48.2 1, , ,323 18, , , , , ,624 24, , , , , ,847 27, , , , , ,. 2,71 3, , , , , ,. 1,5. 2,687 33, , , , , ,5. 2,. 1,518 34, , , , ,. 2, , , , , ,5. 3, , , , , ,. 4, , , , , , ,. 5, , , , , , ,. 7, , , , , ,5. 1,. 7 39, , , , ,. 2, , , , , ,. 5, , , , , ,. 1, , , , , ,. 5,. 22 4, , , , ,. UP 47 4, , , ,

65 57

66 58

67 59

68 Damage Ratio Kerentanan (vulnerability) merupakan kemampuan keterhancuran struktur bangunan pada berbagai intensitas dari ground motion (gerakan tanah) yang disebabkan oleh gempa bumi. Kurva kerentanan tersebut diperoleh dari turunan damage ratio yang memberikan hubungan antara terjadinya suatu tingkat kerusakan pada bangunan terhadap derajat kerusakan akibat gempabumi (MMI). Damage ratio diturunkan dari data claim kerusakan bangunan yang dikompilasi oleh MAIPARK akibat Gempa Sumatra Barat pada tanggal 3 September 29 dengan moment magnitudo 7.6. Dari kurva tersebut kemudian diperoleh rata-rata kerusakan (MDF) untuk tiap intensitas MMI. Berdasarkan penelitian tersebut, ratio ratarata kerusakan pada MMI 7 yang yang terletak pada lokasi dekat dengan episenter gempa memberikan hasil sebesar 8,77%. Evaluasi hasil kerusakan tersebut jika dibandingkan dengan kurva kerentanan dari ATC 13 (FEMA), menunjukkan derajat kerusakan yang lebih tinggi namun hal tersebut dikarenakan hasil dalam penelitian ini menggunakan data kerusakan local yang berdasarkan hasil pengamatan lapangan gempa bumi Sumatera Barat. Vulnerability is a building structure to resist an earthquake hazard in various ground motion intensities. The vulnerability curve is calculated from the damage ratio, which gives the relationship between the degree of building damage building and the intensity of damage (MMI) caused by an earthquake. The damage ratio is derived from claim data for the building damage caused by an earthquake on 3 September 29 with Magnitude of 7.6. From the curve, the mean damage factor (MDF) for each ground shaking intensity (MMI) is obtained. Based on such research, it is obtained that the average ratio damage for MMI 7 for areas near the earthquake epicenter is 8.77%. This result is higher compare to ATC 13 (FEMA, US). This is due to data used, that the damage caused by The Pariaman Earthquake. 6

69 Tabel rata-rata kerusakan (MDF) beserta kurva damage ratio secara sederhana memberikan gambaran kerusakan bangunan untuk wilayah yang berada pada tiap MMI, semakin wilayah tersebut dekat dengan pusat gempa (dalam hal ini derajat MMI besar) maka akan diikuti ratio kerusakan yang tinggi. Hasil tersebut kemudian dijadikan evaluasi untuk input kedalaman program perhitungan kerugian (Loss) akibat gempa bumi. The mean damage factor (MDF) table and the damage ratio curve give an overview of the building damage located on an area for each MMI. If an area is closer to epicenter (i.e. high MMI) then the damage ratio is also high. The result is then used to determine the amount of loss caused by an earthquake. Tabel Mean Damage Factor Keterangan Tabel : X : Nilai Intensitas Kerusakan Gempa (MMI) Y : Range % damage (dihitung dari ratio nilai claim dan TSI) Nilai pada tiap kolom merupakan % jumlah kerusakan di tiap range % damage terhadap MMI Nilai MDF dihitung dari rata-rata keseluruhan % jumlah damage di tiap-tiap MMI Table Note : X axis : an intensity value of earthquake (MMI) Y axis : a range of percentage damage (calculated from the ratio of claim amount and Total Sum Insured) Value of each column is the percentage range of damage toward MMI Value of MDF is calculated based on overall average percentage of total damage in each MMI 61

70 Kurva Damage Ratio 62

71 Lampiran 1 / Attachment 1 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 63

72 5.1 - Surabaya Others 5 - East Java 6 - Kalimantan Ujung Pandang Others 7 - Sulawesi 8 - Other Islands 3. f : Frequencies F : Accumulations of frequencies Cum : Cumulative (increasing in amount by one addition after another) 4. Incurred Claim Outstanding Claims (1%) plus paid/settled claims (1%) 5. Sum Insured The Sum Insured represents 1% Sum Insured 6. Gross Premium Gross Premium represent 1% premium 7. Loss Ratio The percentage ratio of Incurred claims to Gross Premium 64

73 Lampiran 2 / Attachment 2 TARIF ASURANSI GEMPA BUMI TAHUN 21 Tariff in (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. 65

74 Lampiran 3 / Attachment 3 66

75 Lampiran 4 / Attachment 4 TARIP SUKU PREMI KURANG DARI 12 BULAN JANGKA WAKTU PROSENTASI TARIP TAHUNAN 3 hari 5% 1 hari 1% 1 bulan 2% 1.5 bulan 25% 2 bulan 3% 3 bulan 4% 4 bulan 5% 5 bulan 6% 6 bulan 7% 7 bulan 75% 8 bulan 8% 9 bulan 85% 1 bulan 9% 11 bulan 95% lebih dari 11 bulan dihitung tarip suku premi penuh 67

76 Lampiran 5 / Attachment 5 68