Statistik Asuransi Gempa Bumi Indonesia 2009

Transkripsi

1 PT. Asuransi Maipark Indonesia Statistik Asuransi Gempa Bumi Indonesia 2009 [Indonesian Earthquake Insurance Statistic 2009] w w w. m a i p a r k. c o m

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

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

4 Daftar Isi / Contents Kata Pengantar... i Daftar Isi... iii Informasi Statistik... vi Ikhtisar Asuransi Gempa Bumi Indonesia A.Pendahuluan... 1 B.Struktur Pasar... 1 C.Pertumbuhan Premi Bruto... 2 D.Jumlah Risiko... 6 F.Pertumbuhan Incurred Claim Exposure Asuransi Gempa Bumi Indonesia... Tabel 2.1.Exposure Per Cresta Zone Tabel 2.2.Exposure Per Okupasi Tabel 2.3.Exposure Per Interest Tabel 2.4.Exposure Per Provinsi Gross Premium Asuransi Gempa Bumi Indonesia... Tabel 3.1.Gross Premium Per Cresta Zone. 22 Tabel 3.2.Gross Premium Per Okupasi Tabel 3.3.Gross Premium Per Provinsi Jumlah Risiko Asuransi Gempa Bumi Indonesia... Tabel 4.1.Jumlah Risiko Per Cresta Zone Tabel 4.2.Jumlah Risiko Per Okupasi Klaim Asuransi Gempa Bumi Indonesia... Tabel Klaim Frekwensi Per Okupasi Tabel Klaim Frekwensi Per Cresta Zone Tabel Jumlah Klaim Per Okupasi Kata Pengantar... i Table of Contents... iii Statistical Information... iv Summary of Indonesia Earthquake Insurance A.Introduction... 1 B.Market Structure... 1 C.Growth of Gross Premium... 2 D.Number of Risks... 6 F.Growth of Incurred Claim Indonesia Earthquake Insurance Exposure... Table 2.1.Exposure By Cresta Zone Table 2.2.Exposure By Occupation Table 2.3.Exposure By Interest Table 2.4.Exposure By Province Indonesia Earthquake Insurance Gross Premium... Table 3.1.Gross Premium By Cresta Zone.. 22 Table 3.2.Gross Premium By Occupation Table 3.3.Gross Premium By Province Indonesia Earthquake Insurance Number of Risks... Table 4.1.Number of Risk By Cresta Zone.. 27 Table 4.2.Number of Risk By Occupation Indonesia Earthquake Insurance Claim... Table Claim Frequency By Occupation 31 Table Claim Frequency By Cresta Zone Table Claim Amount By Occupation iii

5 Tabel Jumlah Klaim Per Cresta Zone.. 37 Profil Risiko dan Klaim... Tabel 6.1.Semua Tahun Underwriting, Semua Okupasi, Semua Cresta Zone Tabel 6.2. Tahun Underwriting 2009, Semua Okupasi, Semua Cresta Zone Tabel 6.3. Tahun Underwriting 2008, Semua Okupasi, Semua Cresta Zone Tabel 6.4. Tahun Underwriting 2007, Semua Okupasi, Semua Cresta Zone Tabel 6.5. Tahun Underwriting 2006, Semua Okupasi, Semua Cresta Zone Profil Risiko dan Klaim Tahun Underwriting Okupasi Agricultural Okupasi Commercial Okupasi Industrial Okupasi Residential Profil Risiko dan Klaim Tahun Underwriting Okupasi Agricultural Okupasi Commercial Okupasi Industrial Okupasi Residential Profil Risiko dan Klaim Tahun Underwriting Okupasi Agricultural Okupasi Commercial Okupasi Industrial Okupasi Residential Profil Risiko dan Klaim Tahun Underwriting Okupasi Agricultural Table Claim Amount By Cresta Zone.. 37 Risk and Loss Profile... Table 6.1.All Underwriting Year, All Occupation, All Cresta Zone Table 6.2. Underwriting Year 2009, All Occupation, All Cresta Zone Table 6.3. Underwriting Year 2008, All Occupation, All Cresta Zone Table 6.4. Underwriting Year 2007, All Occupation, All Cresta Zone Table 6.5. Underwriting Year 2006, All Occupation, All Cresta Zone Risks and Loss Profile Underwriting Year Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Risks and Loss Profile Underwriting Year Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Risks and Loss Profile Underwriting Year Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Risks and Loss Profile Underwriting Year Agricultural Occupation iv

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

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

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

9 Kerusakan Fisik : Bangunan Pondasi Penggalian dan Sejenisnya Persediaan Barang Lain-lain Gangguan Usaha : Keuntungan Bruto Upah Kenaikan Biaya Operasional Lain-lain 4.2 Penutupan sebagaimana dimaksud pada butir 4.1. adalah yang ditutup secara langsung (direct business) termasuk ko-asuransi. Penutupan tidak langsung (indirect business/reasuransi) tidak dapat disesikan. 5. Pelaporan Bordero. Pelaporan bordero dilakukan setiap bulannya untuk semua risiko yang ditutup pada bulan yang bersangkutan dan sudah harus diterima selambat-lambatnya pada akhir bulan berikutnya. 6. Untuk kasus Multi Location Risk yang mengalami kesulitan dalam memberikan detail harga pertanggungan perlokasi maka dengan persetujuan AAUI pensesian risiko dan perhitungan premi dilakukan pada zona-zona tertentu. 7. Untuk menggambarkan premi dan harga pertanggungan yang sebenarnya dalam penutupan asuransi gempa bumi berdasarkan ko-asuransi, diharapkan agar seluruh anggota ko-asuransi mensesikan risiko gempa bumi tersebut Material damage : Buildings Foundations Excavation and the like Stocks Others Business Interruption Gross Profit Wages Increase in cost of working Others 4.2. Insured objects referred in item 4.1 are objects from direct business insurance, including coinsurance. Indirect businesses cannot be ceded. 5. Bordereaux Report. Bordereaux reports is submitted on a monthly basis for all risk underwritten in the month concerned and should be received by the end of the following month. 6. In the case of Multi Location Risks with no details of sum insured provided per location, the risk cession and its premium calculation specified zones after approved by AAUI. 7. In order to get overall pictures of each earthquake insurance covers, it is strongly hoped that all coinsurance members could cede the earthquake cession. viii

10 Ikhtisar Kegiatan Usaha Asuransi Gempa Bumi Indonesia Tahun 2009 Summary of Indonesian Earthquake Insurance Business Activities in 2009 A. Pendahuluan. Tingkat Pendapatan Domestik Bruto (PDB) Indonesia di tahun 2009 ini tercatat sebesar Rp ,40. Hal ini menunjukan telah terjadi peningkatan sebesar 13,31% dibanding Pendapatan Domestik Bruto di tahun 2008 yang sebesar Rp ,26 triliun. Kenaikan Pendapatan Domestik Bruto ditahun ini lebih rendah jika dibanding dengan kenaikan pada tahun 2008 yang mencapai 25,19% Tingkat Pendapatan Domestik Bruto (PDB) Indonesia dalam lima tahun terakhir dapat dilihat pada grafik 1.1 dibawah ini A. Introduction The Gross Domestic Product (GDP) of Indonesia in the year 2009 is reported in amount of Rp ,40 trillion. It increases for about 13,31% from Rp ,26 trillion of the Gross Domestic Product (GDP) in However this increase is still lower compared to the increased of 25,19% in The level of Gross Domestic Product of Indonesia for the last five years is shown in graph 1.1 below. Pendapatan Domestik Bruto (PDB) Gross Domestik Product (GDP) Dalam Miliar Rupiah In Billion Rupiah Grafik 1.1 / Graph 1.1 B. Struktur Pasar. Per 31 Desember 2009, seperti yang dilaporkan oleh Bapepam LK Departemen Keuangan dalam laporan Indonesian Insurance Directory 2009, jumlah perusahaan asuransi dan reasuransi umum di Indonesia adalah 93 perusahaan. Dengan rincian 89 perusahaan asuransi umum dan 4 perusahaan reasuransi umum. Dari ke 89 perusahan asuransi umum ini, B. Market Structure. On 31 December 2009, as reported by Bapepam LK- Ministry of Finance, in the report Based on the report of Indonesia Insurance Directory, the member of general insurance and reinsurance in Indonesia is 93 companies, comprising of 89 general insurance companies and 4 reinsurance companies. Out of these 89 general insurance companies 1 P a g e

11 20 diantaranya adalah perusahaan patungan. Sedangkan 69 sisanya adalah perusahan swasta nasional. Dari 4 perusahaan reasuransi umum, kesemuanya adalah perusahaan swasta nasional. 20 general insurance companies are joint venture and the remaining is private national companies. 4 reinsurance companies are private national companies. C. Pertumbuhan Premi Bruto Sampai dengan posisi per 31 Desember 2009, pendapatan premi bruto asuransi gempa bumi terlihat menunjukan pertumbuhan yang positif. Hal ini terlihat pada pendapatan premi underwriting 2009 ditahun pertama yang sebesar Rp milliar. Angka ini lebih besar 4,45% dibandingkan dengan premi underwriting 2008 ditahun pertamanya yg sebesar Rp milliar. Pendapatan premi bruto asuransi gempa bumi per 31 Desember 2009 untuk tahun underwriting 2006 adalah sebesar Rp Milliar. Premi Bruto untuk tahun underwriting 2007 tercatat sebesar Rp Milliar, sedangkan tahun underwriting 2008 adalah Rp milliar. Tabel 1.1 dan grafik 1.2 berikut ini menggambarkan pertumbuhan premi bruto dari tahun ke tahun. C. Gross Premium Growth As per 31 December 2009, the gross premium of earthquake insurance shows positive growth. We could see this from the premium of underwriting year 2009 in the first year development, which is Rp billion. This is 4,45% higher than the premium of underwriting year 2008 in the first year of its development, which is Rp The gross premium of earthquake per 31 December 2009 for underwriting year 2006, 2007, 2008 are Rp billion, Rp billion, Rp billion respectively. Table 1.1 and graph 1.2 below show gross premium development from year to year. Pertumbuhan Premi Bruto Asuransi Gempa Bumi Eathquake Gross Premium Development As at 31 December Grafik 1.2 / Graph P a g e

12 Per / As At 31 Dec 2009 Underwriting Year 2006 Pertumbuhan Premi Bruto Asuransi Gempa Bumi Eathquake Gross Premium Development Per / As At 31 December Dalam Miliar Rupiah In Billion Rupiah % 1, % 1, % 1, % , % 1, % 1, % , % 1, % , % 2010 Tabel 1.1 / Table 1.1 Kontribusi terbesar premi asuransi gempa bumi yang tercatat sampai dengan 31 Desember 2009 pada tahun underwriting 2009 masih menunjukkan tingginya tingkat pendapatan premi yang diperoleh dari okupasi industri, dengan rasio pendapatan sebesar 68% dari total premi. Diikuti oleh okupasi komersil dengan ratio sebesar 22% dan residensil sebesar 9%. Sedangkan okupasi agrikultur menyumbang hanya sebesar 1%. As at 31 Desember 2010, the highest contribution premium of earthquake based on the occupation for underwriting year 2009 is dominated by industrial occupation with 68% of the total premium. It was followed by commercial 22%, residential 9% and agricultural 1%. Table 1.2 berikut ini menyajikan rincian premi bruto berdasarkan okupasi. This following table 1.2, shows detail gross premium by occupation. Per / As At 31 Dec 2009 Premi Bruto Berdasarkan Okupasi Gross Premium By Occupation Dalam Miliar Rupiah In Billion Rupiah Okupasi / Occupation Tahun Underwriting / Underwriting Year Agricultural % % % % Commercial % % % % Industrial 1, % 1, % 1, % % Residential % % % % Total 1, , , , Tabel 1.2 / Table P a g e

13 Penyebaran premi untuk tahun underwriting 2009, per 31 December 2009, memperlihatkan risiko gempa bumi yang tetap tinggi pada zona 3 (DKI Jakarta dan Jawa Barat). Hal ini menguatkan bahwasannya zona 3 sebagai zona pusat ekonomi dan bisnis di Indonesia. Tingkat rasio pada zona 3 untuk underwriting 2009 tercatat sejumlah Rp. 595,02 Billion atau sebesar 53% dari total premi. The highest concentration premium of earthquake distribution for underwriting year 2009 is in zone 3 (DKI Jakarta and West Java). This is no surprise because zone 3 is the central economy and business in Indonesia. The premium income for zone 3 for underwriting 2009 is Rp. 595,02 billion or 53% of the total premium. Distribusi premi asuransi gempa bumi berdasarkan cresta zone dapat dilihat pada tabel 1.3 berikut ini. Distribution of earthquake insurance premium is shown in table 1.3 below. Per / As At 31 Dec 2009 Zona Cresta / Cresta Zone Premi Bruto Berdasarkan Zona Cresta Gross Premium By Cresta Zone 2006 Tahun Underwriting / Underwriting Year Dalam Miliar Rupiah In Billion Rupiah Sumatera Wilayah Utara / North Sumatera % % % % Sumatera Wilayah Selatan / South Sumatera % % % % DKI & Jawa Barat / DKI & West Java % % % % DIY & Jawa Tengah / DIY & Central Java % % % % Jawa Wilayah Timur / East Java % % % % Kalimantan / Kalimantan % % % % Sulawesi / Sulawesi % % % % Wilayah Lainnya / Other Island % % % % Total 1, , , , Tabel 1.3 / Table P a g e

14 Tabel 1.4 dibawah ini menyajikan kontribusi pendapatan premi asuransi gempa bumi yang dibagi berdasarkan provinsi, catatan per tanggal 31 Desember This following table 1.4 shows earthquake insurance premium contribution by province, as at 31 December Premi Bruto Asuransi Gempa Bumi Berdasarkan Provinsi Earthquake Gross Premium By Province Per / As At 31 Dec 2009 Premi Bruto As. Gempa Bumi Provinsi / Province Earthquake Insurance Gross Premium *) As at 31 Dec % 2007 % 2008 % 2009 % 1 Nanggroe Aceh Darussalam 27, , , Sumatera Utara 66, , , , Sumatera Barat 13, , , , Riau 106, , , , Jambi 4, , , , Sumatera Selatan 55, , , , Bengkulu 1, , , , Lampung 15, , , , Kepulauan Bangka Belitung , Kepulauan Riau 11, , , , DKI Jakarta 336, , , , Jawa Barat 285, , , , Jawa Tengah 143, , , , DI. Yogyakarta 5, , , , Jawa Timur 209, , , , Banten 170, , , , Bali 25, , , , Kalimantan Barat 1, , , , Kalimantan Tengah 2, , , , Kalimantan Selatan 19, , , , Kalimantan Timur 155, , , , Sulawesi Utara 4, , , , Sulawesi Tengah 1, , , Sulawesi Selatan 16, , , , Sulawesi Tenggara 36, , , Gorontalo Sulawesi Barat Nusa Tenggara Barat 1, , , , Nusa Tenggara Timur Maluku Maluku Utara Papua Barat 1, , , , Papua 12, , , , ,734, ,792, ,803, ,126, Tabel 1.4 / Table 1.4 Dalam Jutaan Rupiah In Million Rupiah 5 P a g e

15 D. Jumlah Risiko Seiring dengan pertumbuhan jumlah premi bruto yang terus meningkat, jumlah risiko asuransi gempa bumi juga terus meningkat. Tercatat sampai dengan 31 Desember 2009, jumlah risiko gempa bumi untuk tahun underwriting 2006 adalah risiko, di tahun underwriting 2007, jumlah tersebut naik sebesar 13% menjadi risiko. Untuk tahun underwriting 2008 jumlah risiko naik cukup signifikan, dengan kenaikan sebesar 24% dibanding dengan tahun underwriting Sedangkan untuk tahun underwriting 2009, jumlah risiko tercatat sebanyak 56,004 risiko. Angka ini akan terus bertambah, karena pensesian masih terus berlangsung. Table dibawah ini menyajikan jumlah risiko, namun tidak termasuk risiko multilokasi yg tidak lengkap datanya, dimana kami kesulitan memisahkannya untuk menjadi satu risiko. D. Number of Risks The gross premium of earthquake insurance grows as well as the number of earthquake risk. As at 31 December 2009, it is recorded that earthquake risks for underwriting year 2006 is risks. In underwriting year 2007 these are risks or increased by 13%. For underwriting year 2008, the number of risks increased significantly by 24% compared to underwriting year In the meantime, the number of risk for underwriting year 2009 is risks and will keep increasing since the cession still continues. The following table shows earthquake number of risks, excluding undefined multi location risks as we see it difficult to separate them into single risk. Per / As At 31 Dec 2009 Pertumbuhan Jumlah Risiko Asuransi Gempa Bumi Earthquake Insurance Risk Number Development Okupasi Tahun Underwriting / Underwriting Year Agricultural 464 1% 413 1% 619 1% 281 1% Commercial 38,084 54% 38,175 47% 56,980 57% 29,934 53% Industrial 8,969 13% 11,395 14% 9,314 9% 6,108 11% Residential 23,598 33% 30,624 38% 32,758 33% 19,681 35% Total 71,115 80,607 99,671 56,004 Tabel 1.4 / Table 1.4 *) Tidak termasuk risiko multilokasi yang tidak terdefinisi secara lengkap / excluding undefined multilocation risks Tabel 1.5 / Table P a g e

16 Peta 1.1 / Map P a g e

17 E. Pertumbuhan Incurred Claim Yang dimaksud dengan Incurred claim adalah klaim dibayar ditambah dengan klaim yang masih dalam proses penyelesaian. Tahun 2009 ini adalah tahun yang teramat berat bagi bangsa ini. Berbagai bencana gempa bumi terjadi, seperti gempa Padang, gempa Tasikmalaya, dan gempa Papua. Di awal tahun 2009, sebuah gempa besar menghantam Manokwari, Provinsi Papua Barat. Empat orang dinyatakan meninggal dunia, lebih dari 66 orang luka, dan lebih dari 500 rumah rusak parah. Gempa pertama terjadi pada tanggal 4 januari 2009, pukul waktu setempat dengan skala 7,2 richter, lokasi pusat gempa berada di 135km timur laut Manokwari. Diikuti oleh gempa susulan sebesar 7,6 pada pukul yang berlokasi pada 95 km barat Manokwari pada kedalaman 10 km. Bencana gempa bumi kemudian terjadi pula di pulau jawa. Pada tanggal 02 September 2009, warga Jakarta panik hingga berhamburan keluar rumah dan gedung. Gempa tektonik berkekuatan 7,3 pada skala richter mengguncang Tasikmalaya, Jawa Barat. Korban Jiwa dan kerugian material meluas, tak hanya di Tasikmalaya, namun hingga ke Cianjur, Garut, Sukabumi, Bandung, Bogor dan Ciamis. Sejumlah desa bahkan habis tertimpa longsor akibat gempa. Badan Penanggulangan Bencana Nasional (BNPB) mencatat setidaknya unit rumah rusak berat. Data ini belum termasuk kerusakan ratusan fasilitas umum seperti sekolah, tempat Ibadah, dan kantor. E. Growth of Incurred Claim It is claim paid plus outstanding claims. Year 2009 is the hardest year for Indonesia due to numbers of big earthquakes occurred in Padang, Tasikmalaya and Papua. At the beginning of the year 2009, a powerful earthquake hit Manokwari, West Papua Province. 4 people died and over 66 people injured while more than 500 buildings were heavily damaged. The first earthquake struck at 02:43:51 local time on 4 January 2009 on 7.2 Richter magnitude scale, located in 135 km Northwest of Manokwari, it is followed by 7.6 Mw at 05.33:40 WIB located on 95 km west of Manokwari both onshore in depth of 10 km. The earthquake also occurred later on the Java Island. On 2 September 2009, residents of Jakarta were panic and jumped out of the house and buildings. Tectonic earthquake measuring 7.3 on the Richter scale shocked Tasikmalaya, West Java. Fatalities and material damage were widespread, not only in Tasikmalaya, but up to Cianjur, Garut, Sukabumi, Bandung, Bogor and Ciamis. Some villages were crushed by landslides caused by the earthquake. The National Disaster Management Agency (BNPB) recorded at least 10,000 housing units were severely damaged. This data did not include damages to hundreds of public facilities such as schools, places of worship, and offices. 8 P a g e

18 Pada tanggal 30 September 2009, gempa berkekuatan 7,6 skala richter menghantam wilayah Sumatera Barat dan sekitarnya. Gempa menyebabkan kerusakan parah di beberapa wilayah di Sumatera Barat seperti Kabupaten Padang Pariaman, Kota Padang, Kabupaten Pesisir Selatan, Kota Pariaman, Kota Bukittinggi, Kota Padangpanjang, Kabupaten Agam, Kota Solok, dan Kabupaten Pasaman Barat. Provinsi Sumatera Barat secara geografis berada di antara pertemuan dua lempeng benua besar (lempeng Eurasia dan lempeng Indo-Australia) dan patahan (sesar) Semangko. Di dekat pertemuan kedua lempeng terdapat patahan Mentawai. Ketiganya merupakan daerah seismik aktif. Menurut catatan ahli, gempa wilayah Sumatera Barat memiliki siklus 200 tahunan. Gempa besar yang pada awal abad ke-21 telah memasuki masa berulangnya siklus. Bencana gempa ini sendiri merupakan akibat dua gempa yang terjadi kurang dari 24 jam pada lokasi yang relatif berdekatan. Pada hari Rabu 30 September terjadi gempa berkekuatan 7,6 pada Skala Richter dengan pusat gempa (episentrum) 57 km di barat daya Kota Pariaman (00,84 LS 99,65 BT) pada kedalaman (hiposentrum) 71 km. Pada hari Kamis 1 Oktober terjadi lagi gempa kedua dengan kekuatan 6,8 Skala Richter, kali ini berpusat di 46 km tenggara Kota Sungai penuh pada pukul WIB dengan kedalaman 24 km. Gempa pertama terjadi pada daerah patahan Mentawai (di bawah laut) sementara gempa kedua terjadi pada patahan Semangko di daratan. Menurut data Satkorlak Penanggulangan Bencana, sedikitnya orang tewas akibat gempa ini yang tersebar di 3 kota dan 4 kabupaten di Sumatera Barat, korban luka berat mencapai orang, luka ringan orang, korban hilang 1 orang. Sedangkan rumah rusak berat, rumah rusak sedang, & rumah rusak ringan. Jumlah On September 30, 2009, an earthquake measuring 7.6 Richter scale hit West Sumatra and the surrounding regions. The earthquake caused severe damages in several areas in West Sumatera like Padang Pariaman Regency, Kota Padang, Pesisir Selatan District, Pariaman, Bukittinggi, Padangpanjang, Agam District, Solok, and West Pasaman district. West Sumatra Province is geographically located between the confluence of two major continental plates (the Eurasian plate and the Indo- Australian plate) and fracture (fault) Semangko. Near, by there is plate Mentawai. All are active seismic areas. According to the experts study, the earthquake region of West Sumatra has a cycle of 200 years. Large earthquake in the early 21st century has entered a period of recurrence of the cycle. The earthquake itself was the result of two earthquakes that occurred less than 24 hours at a location relatively close together. On Wednesday, September 30, an earthquake measuring 7.6 on the Richter Scale with epicenter of the earthquake (epicenter) 57 km to the southwest city of Pariaman (00,84 LS BT) at a depth (hiposentrum) 71 km. On Thursday, October 1 occurred again with a force of 6.8 earthquakes on the Richter scale, centered at 46 km southeast of Sungai Penuh at 8:52 pm with a depth of 24 km. The first earthquake occurred in the Mentawai fault area (under the sea) while the second quake occurred on the fault Semangko on the mainland. According to Satkorlak Penanggulangan Bencana, at least people died in this earthquake, spread over 3 cities and 4 districts in West Sumatra. Serious injured casualties reached 1.214, people were slightly injured; the victim lost was 1 person. Meanwhile, 135,448 houses were severely damaged, 65,380 houses were moderately damaged, and 78,604 houses were lightly 9 P a g e

19 kerugian ekonomi gempa ini, seperti yang dilaporkan oleh wakil gubernur Sumatera Barat berdasarkan verifikasi final adalah sebesar Rp milliar. Kerugian asuransi atas gempa pariaman ini dipastikan akan sangat besar. Menurut catatan per 31 Desember 2009, jumlah incurred claim akibat gempa ini telah mencapai Rp. 835,33 milliar. Kerugian asuransi ini jauh lebih besar dari kerugian gempa bumi Yogyakarta 2006 lalu, yang per 31 Desember 2009 ini, tercatat hanya Rp. 336,43 milliar. Diperkirakan angka ini akan terus bertambah, karena masih banyak klaim yang masih dalam penilaian. Berdasarkan data per tanggal 31 Desember 2009, Besar kerugian asuransi akibat bencana alam di tahun ini sebesar Rp ,90 milliar. Ini adalah kerugian asuransi terbesar sepanjang Maipark berdiri di tahun Grafik dibawah ini menunjukkan jumlah kerugian asuransi gempa bumi yang dilaporkan sepanjang tahun 2004 hingga 2009 ini. damaged. Economic loss of Pariaman earthquake, as reported on final verification report by deputy governor of West Sumatera mentioned that economic loss is Rp billion. Insured Loss on Pariaman earthquake will certainly enormous. As of December 31, 2009, the number of incurred claim by the quake reached Rp billion. Insured loss was far greater than the loss of Yogyakarta earthquake in 2006, as at 31 December 2009, accounted for only Rp billion. It is estimated that this figure will continue to grow, because there are still many claims revisions. Based on data as of December 31, 2009, the big insured loss from natural disasters this year amounted to Rp. 969, billion. It is the biggest insured loss since the establishment of Maipark in The graphic below tells us about earthquake insured loss reported for Kerugian Asuransi Gempa Bumi Yang Dilaporkan Earthquake Insurance Insured Loss Per / As At 31 Dec , Dalam Jutaan Rupiah In Million Rupiah 615, , , , , Grafik 1.3 / Graph P a g e

20 Tabel dibawah ini menampilkan incurred claim sepanjang tahun 2009 Below table shows incurred claim during this Per / As At 31 Dec 2009 Incurred Claim 2009 Dalam Jutaan Rupiah In Million Rupiah Kejadian / Event Tanggal Peristiwa Kerugian ( Dalam Rupiah ) Nama / Name Jenis / Type Date of Occurance Loss ( In Rupiah ) Manokwari Earthquake 4-Jan-09 2,952,454,937 Palu Earthquake 2-Mar-09 2,800,000 Padang Earthquake 16-Apr ,140,075 Padang Earthquake 16-Aug-09 51,125,960,170 T asikmalaya Earthquake 2-Sep-09 47,928,196,253 Nusa Dua Earthquake 19-Sep ,078,296 Pariaman Earthquake 30-Sep ,328,242,563 Kepahyang Earthquake 1-Oct ,440,505 Ujung Kulon Earthquake 16-Oct ,586,208 Bima Earthquake 9-Nov-09 30,610,000,000 Tabel 1.9 / Table P a g e

21 Peta 1.2 / Map P a g e

22 Table dibawah ini menyajikan pertumbuhan klaim dari semua event This following table shows claim development for all claim events during period of Pertumbuhan Incured Claim Semua Kejadian Earthquake Insurance Incurred Claim All Event Kejadian / Event Tanggal Peristiwa Klaim Reported / Claim Reported Nama Jenis Date of Per 31 Desember /As At 31 December Occurance Name Type Bali Earthquake 2-Jan-04 4,070,000 Padang Earthquake 16-Feb-04 12,402,600 12,402,600 Nabire Earthquake 26-Nov-04 3,299,345,206 3,299,345,206 Aceh Earthquake 26-Dec ,226,619, ,531,185,533 Cilegon Earthquake 15-Jan ,267, ,431,678 Ambon Earthquake 2-Mar ,125, ,125,037 Nias Earthquake 28-Mar-05 2,608,811,120 1,149,513,632 Padang Earthquake 10-Apr-05 1,399,712,953 1,412,272,780 Sibolga Earthquake 95,000,000 T BA Earthquake 800,000,000 Tanjung Karang Earthquake 12-May-06 33,575,300 33,575,300 Sibolga Earthquake 19-May-06 7,612,000 Yogyakarta Earthquake 27-May ,920,900, ,432,968,532 Pangandaran Earthquake 17-Jul-06 2,418,989,460 2,428,124,860 Jakarta Earthquake 19-Jul ,918, ,903,125 Wonosari Earthquake 22-Sep-06 97,589,358 97,589,358 Pandeglang Earthquake 24-Dec-06 16,477,760 16,477,760 Manado Earthquake 21-Jan ,830, ,894,784 Padang Earthquake 6-Mar-07 47,672,720,251 44,471,563,444 Bukittingggi Earthquake 13-Mar-07 22,500,000 22,500,000 Cipanas Earthquake 27-Jul-07 36,699,006 Jakarta Earthquake 9-Aug-07 5,641,754,146 5,729,674,675 Carita Earthquake 10-Aug-07 14,271,971 14,271,971 Jakarta Earthquake 26-Aug-07 30,587,366 Bengkulu Earthquake 12-Sep-07 75,203,058,711 60,321,833,456 Denpasar Earthquake 8-Oct-07 32,543,000 82,035,138 Painan Earthquake 24-Oct-07 12,906,700 12,906,700 Dompu Earthquake 25-Nov-07 15,000,000 4,090,000 Manokwari Earthquake 7-Jan-08 1,922,050,000 1,073,890,300 Painan Earthquake 25-Feb-08 2,511,494, ,923,036 Benkulu Earthquake 3-Apr-08 50,000,000 50,000,000 Padang Earthquake 28-Jul-08 55,416,667 44,535,354 Pekat Earthquake 7-Aug-08 10,475,000,000 15,863,721,995 Padang Earthquake 8-Aug-08 57,192,354 Rababima Earthquake 28-Aug ,000, ,349,490 Lahat Earthquake 9-Sep ,500 Sukabumi Earthquake 10-Oct ,000,000 Bandung Earthquake 11-Oct-08 Gorontalo Earthquake 17-Nov ,873, ,100,686 Aceh Earthquake 21-Dec-08 53,980,575 Manokwari Earthquake 4-Jan-09 2,952,454,937 T BA Earthquake 26-Jan-09 T BA Earthquake 10-Feb-09 Palu Earthquake 2-Mar-09 2,800,000 Padang Earthquake 16-Apr ,140,075 T BA Earthquake 8-May-09 Padang Earthquake 16-Aug-09 51,125,960,170 T asikmalaya Earthquake 2-Sep-09 47,928,196,253 Nusa Dua Earthquake 19-Sep ,078,296 Pariaman Earthquake 30-Sep ,328,242,563 Kepahyang Earthquake 1-Oct ,440,505 T BA Earthquake 9-Oct-09 Manokwari Earthquake 15-Oct-09 Ujung Kulon Earthquake 16-Oct ,586,208 Bima Earthquake 9-Nov-09 30,610,000,000 1,025,649,223, ,058,213,151, Tabel 2.0 / Table P a g e

23 Peta 1.3 / Map P a g e

24 NATIONAL AGGREGATE EXPOSURES BY CRESTA As At 31 December 2009 Table 2.1 CRESTA ZONE In IDR U/Y 2005 U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 Amount in % Amount in % Amount in % Amount in % Amount in % Banda Aceh ,558,587,948, ,564,931,471, ,797,820,935, ,243,747,474, ,801,271, Medan ,137,089,340, ,614,766,828, ,266,507,995, ,995,562,334, ,497,696,785, Others 1.3 9,665,997,686, ,642,457,483, ,783,167,146, ,927,347,583, ,249,945,888, North Sumatera 1 57,361,674,974, % 80,822,155,783, % 78,847,496,077, % 52,166,657,392, % 41,289,443,945, % Padang 2.1 5,246,554,344, ,115,117,625, ,477,993,314, ,088,612,547, ,457,683,179, Palembang ,044,328,687, ,747,488,493, ,393,829,655, ,586,687,440, ,468,360,367, Others ,078,633,101, ,420,150,966, ,834,745,802, ,080,928,230, ,441,449,860, South Sumatera 2 116,369,516,132, % 202,282,757,086, % 161,706,568,772, % 163,756,228,219, % 119,367,493,406, % DKI Jakarta ,361,820,196, ,398,212,403, ,177,961,883, ,637,264,369, ,221,426,377, Bandung ,489,234,747, ,355,364,127, ,073,241,404, ,339,001,488, ,226,055,690, Others ,216,138,270, ,674,463,760, ,863,520,056, ,560,648,704, ,909,259,397, DKI & West Java 3 950,067,193,214, % 681,428,040,291, % 671,114,723,344, % 708,536,914,562, % 485,356,741,465, % Semarang ,931,045,050, ,427,342,751, ,449,310,136, ,329,092,094, ,090,302,251, Yogyakarta 4.2 3,796,006,609, ,141,815,844, ,890,628,514, ,541,735,392, ,757,990,052, Others ,524,224,651, ,469,108,290, ,693,096,139, ,149,574,122, ,344,039,501, DIY & Central Java 4 77,251,276,312, % 128,038,266,886, % 121,033,034,790, % 86,020,401,609, % 42,192,331,805, % Surabaya ,691,740,623, ,281,785,113, ,806,257,961, ,173,144,407, ,140,876,789, Others ,581,066,670, ,980,015,300, ,942,623,294, ,414,222,136, ,239,673,677, East Java 5 155,272,807,293, % 183,261,800,414, % 229,748,881,256, % 219,587,366,543, % 157,380,550,466, % Kalimantan 6 126,317,167,129, % 153,509,017,473, % 133,020,937,447, % 85,660,523,369, % 46,908,775,362, % Ujung Pandang 7.1 6,185,748,726, ,734,930,202, ,580,572,116, ,858,126,298, ,348,935,598, Others ,578,771,491, ,005,956,587, ,276,571,198, ,194,179,568, ,520,214,616, Sulawesi 7 49,764,520,217, % 53,740,886,789, % 53,857,143,315, % 54,052,305,866, % 19,869,150,215, % Other Island 8 24,906,824,288, % 35,475,436,048, % 42,708,408,542, % 44,134,631,987, % 34,118,623,292, % T O T A L 1,557,310,979,563, % 1,518,558,360,772, % 1,492,037,193,546, % 1,413,915,029,551, % 946,483,109,959, % 15 P a g e

25 Grafik P a g e

26 NATIONAL AGGREGATE EXPOSURES BY OCCUPATION As At 31 December 2009 Table 2.2 In IDR Description U/Y 2005 In % U/Y 2006 In % U/Y 2007 In % U/Y 2008 In % U/Y 2009 In % Agricultural 61,942,135,248, % 9,840,296,069, % 10,216,620,816, % 16,025,171,749, % 8,338,738,969, % Commercial 260,980,311,341, % 348,748,832,792, % 304,117,991,663, % 348,668,162,180, % 197,303,283,938, % Industrial 928,999,162,765, % 1,100,101,277,227, % 1,067,695,381,512, % 903,846,597,402, % 661,202,559,621, % Residential 305,389,370,207, % 59,867,954,681, % 110,007,199,554, % 145,375,098,219, % 79,638,527,430, % TOTAL 1,557,310,979,563, % 1,518,558,360,772, % 1,492,037,193,546, % 1,413,915,029,551, % 946,483,109,959, % 17 P a g e

27 Grafik P a g e

28 NATIONAL AGGREGATE EXPOSURES BY INTEREST As At 31 December 2009 Table 2.3 Description U/Y 2005 U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 In IDR Building 611,861,631,011, ,455,323,232, ,242,851,910, ,468,015,660, ,573,040,517, Machinery 334,317,430,934, ,910,590,803, ,395,523,967, ,272,388,118, ,611,985,761, Stock 276,065,895,579, ,804,961,583, ,830,495,226, ,589,718,386, ,199,282,713, Others 239,120,244,536, ,095,822,076, ,205,135,610, ,050,408,893, ,760,392,679, SUB TOTAL 1,461,365,202,062, ,392,266,697,695, ,379,674,006,713, ,277,380,531,059, ,144,701,671, Business Interruption 95,945,777,501, ,291,663,076, ,363,186,832, ,534,498,492, ,338,408,288, T O T A L 1,557,310,979,563, ,518,558,360,772, ,492,037,193,546, ,413,915,029,551, ,483,109,959, P a g e

29 Grafik P a g e

30 NATIONAL AGGREGATE EXPOSURES PER PROVINCE As At 31 December 2009 Table 2.4 PROVINCE In IDR U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 Amount in % Amount in % Amount in % Amount in % 1 Nanggroe Aceh Darussalam 23,222,469,030, % 24,972,224,260, % 4,574,682,657, % 782,365,429, % 2 Sumatera Utara 57,599,686,752, % 53,875,271,816, % 47,591,974,735, % 40,507,078,515, % 3 Sumatera Barat 11,803,237,469, % 8,992,716,716, % 16,303,250,037, % 7,767,706,269, % 4 Riau 106,250,386,674, % 68,958,266,404, % 68,137,306,748, % 27,762,414,804, % 5 Jambi 4,357,669,826, % 3,622,773,662, % 4,185,096,088, % 28,589,990,611, % 6 Sumatera Selatan 50,170,938,429, % 46,176,884,371, % 27,211,971,305, % 20,172,454,290, % 7 Bengkulu 1,090,793,435, % 1,227,599,398, % 2,673,025,232, % 1,737,517,134, % 8 Lampung 15,158,238,620, % 17,128,769,552, % 27,343,348,285, % 19,364,713,305, % 9 Kepulauan Bangka Belitung 926,110,341, % 149,313,067, % 2,477,887,610, % 547,824,551, % 10 Kepulauan Riau 12,525,382,288, % 15,450,245,598, % 15,424,342,909, % 13,424,872,440, % 11 DKI Jakarta 270,398,212,403, % 266,177,961,883, % 294,637,264,369, % 174,221,426,377, % 12 Jawa Barat 256,788,556,957, % 261,142,622,874, % 261,612,191,175, % 200,147,184,887, % 13 Jawa Tengah 123,535,065,522, % 114,707,453,791, % 75,548,464,334, % 37,122,245,896, % 14 DI. Yogyakarta 4,503,201,363, % 6,325,580,998, % 10,471,937,274, % 5,070,085,909, % 15 Jawa Timur 183,261,800,414, % 229,748,881,256, % 219,587,366,543, % 157,380,550,466, % 16 Banten 154,241,270,930, % 143,794,138,586, % 152,287,459,018, % 110,988,130,200, % 17 Bali 22,095,799,557, % 25,469,732,730, % 34,386,793,860, % 28,258,367,074, % 18 Kalimantan Barat 1,755,343,725, % 1,823,275,121, % 2,568,186,902, % 1,380,476,888, % 19 Kalimantan Tengah 2,840,199,371, % 2,747,177,576, % 3,351,976,232, % 4,073,009,044, % 20 Kalimantan Selatan 16,425,535,541, % 19,051,779,243, % 34,182,207,541, % 8,553,864,295, % 21 Kalimantan Timur 132,487,938,834, % 109,398,705,506, % 45,558,152,692, % 32,901,425,134, % 22 Sulawesi Utara 4,044,025,703, % 4,336,122,366, % 3,769,435,935, % 2,817,088,276, % 23 Sulawesi Tengah 932,489,065, % 1,389,415,978, % 1,331,354,197, % 783,701,010, % 24 Sulawesi Selatan 14,258,541,449, % 18,864,248,655, % 18,025,425,788, % 14,762,918,538, % 25 Sulawesi Tenggara 34,044,852,282, % 28,717,770,322, % 30,341,023,803, % 871,831,789, % 26 Gorontalo 415,250,424, % 474,303,802, % 459,556,664, % 176,177,289, % 27 Sulawesi Barat 45,727,863, % 75,282,188, % 125,509,477, % 457,433,310, % 28 Nusa Tenggara Barat 1,688,945,797, % 3,019,349,262, % 2,016,032,579, % 1,524,933,791, % 29 Nusa Tenggara Timur 579,335,645, % 417,028,971, % 575,507,995, % 348,267,026, % 30 Maluku 847,060,371, % 423,345,235, % 361,246,408, % 514,701,876, % 31 Maluku Utara 46,800,369, % 598,536,891, % 513,301,830, % 243,123,108, % 32 Papua Barat 923,962,125, % 956,628,512, % 1,050,735,881, % 979,122,470, % 33 Papua 9,293,532,180, % 11,823,786,938, % 5,231,013,432, % 2,250,107,945, % T O T A L 1,518,558,360,772,140 1,492,037,193,546,000 1,413,915,029,551, ,483,109,959, P a g e

31 NATIONAL GROSS PREMIUM INCOME BY CRESTA ZONE As At 31 December 2009 Table 3.1 CRESTA ZONE In IDR U/Y 2005 U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 Amount in % Amount in % Amount in % Amount in % Amount in % Banda Aceh 1.1 1,442,695, ,900,882, ,875,083, ,534,840, ,056, Medan ,324,344, ,735,534, ,450,713, ,391,628, ,661,861, Others ,685,128, ,592,711, ,848,428, ,908,491, ,705,794, North Sumatera 1 59,452,167, % 94,229,128, % 92,174,224, % 63,834,960, % 49,059,711, % Padang 2.1 5,915,742, ,820,893, ,957,806, ,484,664, ,292,800, Palembang ,200,965, ,150,601, ,862,238, ,387,279, ,157,316, Others ,501,280, ,635,685, ,264,245, ,022,813, ,850,653, South Sumatera 2 96,617,988, % 208,607,179, % 176,084,290, % 203,894,756, % 131,300,770, % DKI Jakarta ,448,593, ,559,935, ,024,525, ,367,106, ,209,077, Bandung ,570,832, ,477,233, ,049,648, ,301,390, ,297,822, Others ,335,524, ,861,074, ,220,281, ,959,105, ,519,027, DKI & West Java 3 1,292,354,949, % 792,898,243, % 818,294,456, % 928,627,602, % 595,025,927, % Semarang ,844,947, ,224,969, ,534,702, ,531,679, ,256,578, Yogyakarta 4.2 4,724,013, ,259,170, ,877,053, ,016,722, ,888,909, Others ,571,849, ,468,942, ,492,249, ,054,460, ,361,993, DIY & Central Java 4 66,140,810, % 148,953,082, % 144,904,005, % 107,602,863, % 49,507,480, % Surabaya ,987,665, ,218,862, ,778,971, ,879,117, ,158,088, Others ,683,362, ,071,615, ,337,649, ,984,498, ,719,705, East Java 5 202,671,028, % 209,290,477, % 285,116,620, % 265,863,616, % 182,877,794, % Kalimantan 6 85,751,921, % 178,619,161, % 156,867,631, % 107,796,769, % 52,877,854, % Ujung Pandang ,012,146, ,612,489, ,805,966, ,502,092, ,823,293, Others ,431,243, ,709,200, ,001,669, ,844,079, ,963,228, Sulawesi 7 67,443,389, % 59,321,690, % 64,807,635, % 67,346,171, % 22,786,522, % Other Island 8 36,776,236, % 42,469,250, % 54,302,239, % 58,626,440, % 42,729,995, % T O T A L 1,907,208,492, ,734,388,214, ,792,551,104, ,803,593,179, ,126,166,056, P a g e

32 23 P a g e

33 NATIONAL GROSS PREMIUM INCOME BY OCCUPATION As At 31 December 2009 Table 3.2 In IDR Description U/Y 2005 In % U/Y 2006 In % U/Y 2007 In % U/Y 2008 In % U/Y 2009 In % Agricultural 90,000,687, % 10,320,755, % 9,959,498, % 17,316,518, % 9,390,083, % Commercial 498,746,757, % 427,602,684, % 382,423,458, % 441,838,266, % 244,473,909, % Industrial 889,616,514, % 1,219,152,631, % 1,256,954,204, % 1,145,631,250, % 767,458,544, % Residential 428,844,533, % 77,312,143, % 143,213,942, % 198,807,143, % 104,843,518, % TOTAL 1,907,208,492, ,734,388,214, ,792,551,104, ,803,593,179, ,126,166,056, P a g e

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35 NATIONAL GROSS PREMIUM INCOME BY PROVINCE As At 31 December 2009 Table 3.4 Province In IDR U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 Amount in % Amount in % Amount in % Amount in % 1 Nanggroe Aceh Darussalam 27,649,788, % 28,658,844, % 6,018,115, % 986,291, % 2 Sumatera Utara 66,579,339, % 63,515,380, % 57,816,844, % 48,073,420, % 3 Sumatera Barat 13,037,516, % 10,297,594, % 19,691,025, % 9,738,213, % 4 Riau 106,350,289, % 72,634,430, % 90,968,881, % 28,855,060, % 5 Jambi 4,451,784, % 4,027,193, % 4,707,988, % 30,704,826, % 6 Sumatera Selatan 55,018,463, % 51,297,160, % 32,399,775, % 23,543,848, % 7 Bengkulu 1,245,133, % 1,598,242, % 3,390,814, % 2,580,540, % 8 Lampung 15,990,519, % 19,843,539, % 32,203,330, % 22,018,528, % 9 Kepulauan Bangka Belitung 678,063, % 154,009, % 3,337,046, % 582,870, % 10 Kepulauan Riau 11,835,407, % 16,232,120, % 17,195,893, % 13,276,883, % 11 DKI Jakarta 336,559,935, % 343,024,525, % 405,367,106, % 228,209,077, % 12 Jawa Barat 285,977,239, % 306,473,957, % 333,158,726, % 234,771,247, % 13 Jawa Tengah 143,295,051, % 138,512,447, % 95,235,540, % 43,241,851, % 14 DI. Yogyakarta 5,658,030, % 6,391,557, % 12,367,322, % 6,265,629, % 15 Jawa Timur 209,290,477, % 285,116,620, % 265,863,616, % 182,877,794, % 16 Banten 170,361,068, % 168,795,972, % 190,101,770, % 132,045,602, % 17 Bali 25,744,911, % 32,221,430, % 46,535,151, % 35,567,040, % 18 Kalimantan Barat 1,659,352, % 1,765,278, % 2,914,003, % 1,475,261, % 19 Kalimantan Tengah 2,779,654, % 2,714,045, % 3,576,879, % 4,466,399, % 20 Kalimantan Selatan 19,156,026, % 22,533,052, % 45,667,092, % 9,924,117, % 21 Kalimantan Timur 155,024,128, % 129,855,254, % 55,638,793, % 37,012,076, % 22 Sulawesi Utara 4,173,700, % 5,111,502, % 4,774,347, % 3,383,327, % 23 Sulawesi Tengah 1,006,671, % 1,551,161, % 1,649,386, % 930,494, % 24 Sulawesi Selatan 16,717,729, % 23,069,679, % 23,920,422, % 17,210,682, % 25 Sulawesi Tenggara 36,900,421, % 34,438,719, % 36,343,138, % 551,639, % 26 Gorontalo 470,108, % 558,018, % 545,614, % 187,731, % 27 Sulawesi Barat 53,058, % 78,554, % 113,260, % 522,647, % 28 Nusa Tenggara Barat 1,963,324, % 3,706,010, % 2,771,452, % 1,764,711, % 29 Nusa Tenggara Timur 660,936, % 470,786, % 674,419, % 402,116, % 30 Maluku 986,219, % 528,835, % 456,610, % 656,160, % 31 Maluku Utara 51,224, % 703,643, % 687,023, % 319,112, % 32 Papua Barat 1,039,504, % 1,151,930, % 1,263,102, % 1,182,478, % 33 Papua 12,023,130, % 15,519,600, % 6,238,679, % 2,838,375, % T O T A L 1,734,388,214,883 1,792,551,104,580 1,803,593,179,507 1,126,166,056, P a g e

36 NUMBER OF RISKS BY CRESTA ZONE As At 31 December 2009 Table 4.1 CRESTA ZONE U/Y 2005 U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 Banda Aceh Medan 1.2 4,761 2,857 2,911 3,897 2,156 Others 1.3 1,544 1,063 1,224 2, North Sumatera 1 6,523 4,220 4,569 6,436 3,371 Padang 2.1 2,933 2,018 2,707 3,514 2,265 Palembang 2.2 1, ,091 1, Others 2.3 6,011 4,989 5,585 8,652 3,678 South Sumatera 2 10,147 7,821 9,383 13,392 6,447 DKI Jakarta ,184 22,309 24,054 24,693 15,145 Bandung 3.2 3,313 3,008 3,579 4, Others ,017 13,098 14,198 17,722 12,658 DKI & West Java 3 40,514 38,415 41,831 46,787 28,527 Semarang 4.1 1,757 1,563 1,890 2, Yogyakarta ,376 1,669 1,738 1,098 Others 4.3 3,121 2,971 3,654 5,576 3,795 DIY & Central Java 4 5,814 5,910 7,213 9,605 5,200 Surabaya 5.1 3,584 2,875 3,258 3,877 2,068 Others 5.2 4,567 3,143 3,618 5,140 2,842 East Java 5 8,151 6,018 6,876 9,017 4,910 Kalimantan 6 2,798 1,831 2,040 3,385 1,290 Ujung Pandang 7.1 1, , Others 7.2 2,386 1,445 2,156 3, Sulawesi 7 3,456 2,204 3,023 4,254 1,545 Other Island 8 4,887 4,696 5,672 6,795 4,714 T O T A L 82,290 71,115 80,607 99,671 56,004 *) Figure above excluding undefined multi location risks 27 P a g e

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38 NUMBER OF RISK BY OCCUPATION As At 31 December 2009 Table 4.2 In IDR Description U/Y 2005 In % U/Y 2006 In % U/Y 2007 In % U/Y 2008 In % U/Y 2009 In % Agricultural 607 1% 464 1% 413 1% 619 1% 281 1% Commercial 46,379 56% 38,084 54% 38,175 47% 56,980 57% 29,934 53% Industrial 17,911 22% 8,969 13% 11,395 14% 9,314 9% 6,108 11% Residential 17,393 21% 23,598 33% 30,624 38% 32,758 33% 19,681 35% TOTAL 82,290 71,115 80,607 99,671 56,004 *) Figure above excluding undefined multi location risks 29 P a g e

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40 CLAIM FREQUENCY BY OCCUPATION As At 31 December 2009 Table Description U/Y 2005 U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 Agricultural Commercial Industrial Residential TOTAL P a g e

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42 CLAIM FREQUENCY BY CRESTA ZONE As At 31 December 2009 Table CRESTA ZONE U/Y 2005 U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 Banda Aceh Medan Others North Sumatera Padang Palembang Others South Sumatera DKI Jakarta Bandung Others DKI & West Java Semarang Yogyakarta Others DIY & Central Java Surabaya Others East Java Kalimantan Ujung Pandang Others Sulawesi Other Island T O T A L , P a g e

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44 CLAIMS AMOUNT BY OCCUPATION As At 31 December 2009 Table In IDR Description U/Y 2005 In % U/Y 2006 In % U/Y 2007 In % U/Y 2008 In % U/Y 2009 In % Agricultural 679,391, % % 228,307, % % 4,278,631, % Commercial 296,288,587, % 62,714,358, % 80,191,063, % 284,508,980, % 573,219,948, % Industrial 1,237,145, % 1,426,278, % 2,691,773, % 43,794,742, % 10,178,608, % Residential 1,982,149, % 3,341,200, % 3,337,241, % 17,783,039, % 51,894,100, % TOTAL 300,187,274,487 67,481,837,141 86,448,386, ,086,762, ,571,288, P a g e

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46 Claims Amount By Cresta Zone As At 31 December 2009 Table In IDR CRESTA ZONE U/Y 2005 U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 Amount in % Amount in % Amount in % Amount in % Amount in % Banda Aceh ,980, Medan ,147, ,225, Others ,471, ,868, North Sumatera 1 693,471, % 38,868, % % 89,128, % 849,225, % Padang ,815, ,392,323, ,975,480, ,274,954, ,743,173, Palembang Others ,044, ,301,235, ,256,181, ,359, ,045, South Sumatera 2 548,859, % 25,693,558, % 79,231,662, % 121,657,314, % 348,181,218, % DKI Jakarta ,575, ,274,922, ,423,567, ,478,375, ,545,921, Bandung ,532, ,123,678, ,466,649, ,842,309, Others 3.3 2,124,517, ,233, ,777, ,198,379, ,764,297, DKI & West Java 3 2,158,093, % 1,896,687, % 5,411,022, % 207,143,404, % 257,152,528, % Semarang Yogyakarta ,312,869, ,881,903, ,677, Others 4.3 7,473,981, ,689,214, ,000, ,500, DIY & Central Java 4 296,786,850, % 39,571,117, % % 25,000, % 210,177, % Surabaya Others East Java % % % % % Kalimantan % % % % % Ujung Pandang Others ,523, ,371, ,800, Sulawesi % 134,523, % 369,371, % 2,800, % % Other Island % 147,081, % 1,436,329, % 17,169,115, % 33,178,139, % T O T A L 300,187,274, ,481,837, ,448,386, ,086,762, ,571,288, P a g e

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48 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : DATA POSITION FROM OCCUPATION : All ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table 6.1 SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,529 32, , , , , ,262 49, , , , , ,115 80, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,163, , , , , , , , ,095, ,259, , , , , UP 1, , ,148, ,407, , , , * ) Multilocation 1,049, ,456, , ,139, LOSS RATIO PERCENTAGE BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 39 P a g e

49 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2009 DATA POSITION FROM OCCUPATION : All ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table 6.2 SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,594 2, , , , , ,137 4, , , , , ,271 10, , , , ,517 14, , , , , ,664 21, , , , , ,893 28, , , , , , ,539 33, , , , , , , , ,165 38, , , , , , , , ,682 41, , , , , , , , ,138 43, , , , , , , , ,369 44, , , , , , , , ,978 46, , , , , , , , ,139 48, , , , , , , , ,885 49, , , , , , , , , , , , , , , , ,896 52, , , , , , , , ,542 54, , , , , , , , , , , , , , , , , , , , , , UP , , , , , * ) Multilocation LOSS RATIO PERCENTAGE 156, ,126, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 40 P a g e

50 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2008 DATA POSITION FROM OCCUPATION : All ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table 6.3 SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,208 12, , , ,162 19, , ,527 29, , , , , ,822 37, , , , , ,138 47, , , , , ,453 60, , , , , , ,991 66, , , , , , , ,139 73, , , , , , , ,992 77, , , , , , , ,957 80, , , , , , , ,922 82, , , , , , , ,670 84, , , , , , , ,792 86, , , , , , , ,903 89, , , , , , , ,649 91, , , , , , , ,917 94, , , , , , , ,498 96, , , , , , , ,204 97, , , , , , , ,365 99, , , , , , UP , , ,545, , , * ) Multilocation LOSS RATIO PERCENTAGE 258, ,803, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 41 P a g e

51 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2007 DATA POSITION FROM OCCUPATION : All ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table 6.4 SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,915 6, ,063 10, ,513 19, , , ,780 26, , , , ,274 35, , , , , ,780 44, , , , , , ,467 48, , , , , , ,790 56, , , , , , , ,664 60, , , , , , , ,704 62, , , , , , ,769 64, , , , , , , ,490 67, , , , , , , ,643 68, , , , , , ,626 71, , , , , , , ,565 73, , , , , , ,574 75, , , , , , , ,309 77, , , , , , , ,178 79, , , , , , , ,178 80, , , , , , UP , , ,475, , * ) Multilocation LOSS RATIO PERCENTAGE 316, ,792, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 42 P a g e

52 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2006 DATA POSITION FROM OCCUPATION : All ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table 6.5 SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,812 10, , , ,900 14, , ,804 21, , , , ,692 27, , , , ,899 35, , , , , ,947 42, , , , , , ,446 45, , , , , , , ,455 50, , , , , , , ,872 53, , , , , , ,161 55, , , , , , , ,438 57, , , , , , , ,127 59, , , , , , , ,395 60, , , , , , , ,202 63, , , , , , , ,170 64, , , , , , , ,376 66, , , , , , , ,996 68, , , , , , , , , , , , , , ,093 70, , , , , , UP , , ,416, , * ) Multilocation LOSS RATIO PERCENTAGE 317, ,734, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 43 P a g e

53 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2009 DATA POSITION FROM OCCUPATION : Agricultural ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , , * ) Multilocation LOSS RATIO PERCENTAGE BAND (p)/(h) , , (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 44 P a g e

54 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2009 DATA POSITION FROM OCCUPATION : Commercial ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,646 1, , , , , ,023 2, , , , , ,650 5, , , , ,913 7, , , , , , ,147 10, , , , , , , ,749 14, , , , , , , , ,004 18, , , , , , , ,946 21, , , , , , , ,422 22, , , , , , , ,264 23, , , , , , , , , , , , , , ,153 25, , , , , , , , , , , , , , ,027 27, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP 47 29, , , , * ) Multilocation LOSS RATIO PERCENTAGE 19, , , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 45 P a g e

55 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2009 DATA POSITION FROM OCCUPATION : Industrial ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) INCURRED CLAIM (In Million Rp.) PERCENTAGE BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP 176 6, , , , * ) Multilocation 136, , , rp RP (p) LOSS RATIO PERCENTAGE BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 46 P a g e

56 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2009 DATA POSITION FROM OCCUPATION : Residential ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) PERCENTAGE BAND (p)/(h) (q)/(i) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , ,445 4, , , ,435 6, , , , ,178 9, , , , , ,749 12, , , , , , ,269 13, , , , , , , ,827 15, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP 20 19, , , , * ) Multilocation LOSS RATIO , , *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 47 P a g e

57 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2008 DATA POSITION FROM OCCUPATION : Agricultural ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 BAND Table SUM INSURED (BAND) (In Million Rp.) FROM PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) INCURRED CLAIM (In Million Rp.) PERCENTAGE BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , * ) Multilocation TO f NUMBER OF RISKS F (d) GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY LOSS RATIO PERCENTAGE , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 48 P a g e

58 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2008 DATA POSITION FROM OCCUPATION : Commercial ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,347 8, ,936 13, ,138 19, , , ,861 23, , , , , ,088 28, , , , , ,960 36, , , , , , ,813 40, , , , , , , ,014 44, , , , , , , ,162 46, , , , , , , ,698 48, , , , , , , ,037 49, , , , , , , ,468 50, , , , , , , , , , , , , , ,491 52, , , , , , , , , , , , , , ,365 55, , , , , , , ,055 56, , , , , , , , , , , , , , , , , , , , UP 71 56, , , , , * ) Multilocation LOSS RATIO PERCENTAGE 73, , , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 49 P a g e

59 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2008 DATA POSITION FROM OCCUPATION : Industrial ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 BAND Table SUM INSURED (BAND) (In Million Rp.) FROM PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) INCURRED CLAIM (In Million Rp.) PERCENTAGE BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,026 7, , , , , , , , , , , , , , , , , , UP 253 9, , , , , * ) Multilocation TO f NUMBER OF RISKS F (d) GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY LOSS RATIO PERCENTAGE 177, ,145, , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 50 P a g e

60 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2008 DATA POSITION FROM OCCUPATION : Residential ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,531 3, ,816 5, ,008 9, , ,660 13, , , , ,648 17, , , , , ,014 21, , , , , , ,892 23, , , , , , , ,592 26, , , , , , , ,383 27, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP 36 32, , , , * ) Multilocation LOSS RATIO PERCENTAGE 7, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 51 P a g e

61 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2007 DATA POSITION FROM OCCUPATION : Agricultural ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , * ) Multilocation LOSS RATIO PERCENTAGE BAND (p)/(h) , (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 52 P a g e

62 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2007 DATA POSITION FROM OCCUPATION : Commercial ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,503 3, ,877 5, ,791 9, ,834 12, , ,195 16, , , , , ,291 20, , , , , , ,272 22, , , , , , ,517 26, , , , , , , ,958 28, , , , , , , ,510 29, , , , , , , , , , , , , ,384 32, , , , , , , , , , , , , ,417 34, , , , , , , , , , , , , ,208 36, , , , , , , ,020 37, , , , , , , , , , , , , , , , , , , , UP 56 38, , , , * ) Multilocation LOSS RATIO PERCENTAGE 76, , , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 53 P a g e

63 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2007 DATA POSITION FROM OCCUPATION : Industrial ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , ,712 5, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , , ,021, , * ) Multilocation LOSS RATIO PERCENTAGE 235, ,256, , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 54 P a g e

64 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2007 DATA POSITION FROM OCCUPATION : Residential ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,076 3, ,692 4, ,950 8, , ,545 12, , , ,565 16, , , , ,836 20, , , , , ,771 22, , , , , , ,551 24, , , , , , ,265 26, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP 30 30, , , , * ) Multilocation LOSS RATIO PERCENTAGE 4, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 55 P a g e

65 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2006 DATA POSITION FROM OCCUPATION : Agricultural ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP , * ) Multilocation LOSS RATIO PERCENTAGE BAND (p)/(h) , (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 56 P a g e

66 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2006 DATA POSITION FROM OCCUPATION : Commercial ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 BAND Table SUM INSURED (BAND) (In Million Rp.) FROM PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) INCURRED CLAIM (In Million Rp.) PERCENTAGE BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,956 6, , , ,149 9, , ,293 12, , , ,533 14, , , ,757 18, , , , , ,561 22, , , , , , ,908 24, , , , , , , ,268 27, , , , , , , ,713 29, , , , , , ,350 30, , , , , , , , , , , , , ,294 32, , , , , , , , , , , , , , ,284 34, , , , , , , , , , , , , , ,165 36, , , , , , , , , , , , , , , , , , , , , , , , , , , UP 71 38, , , , * ) Multilocation TO f NUMBER OF RISKS F (d) GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY LOSS RATIO PERCENTAGE 111, , , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 57 P a g e

67 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2006 DATA POSITION FROM OCCUPATION : Industrial ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 Table SUM INSURED (BAND) (In Million Rp.) NUMBER OF RISKS GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) BAND f F PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP PERCENTAGE FROM TO (d) BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP 265 8, , ,015, , * ) Multilocation LOSS RATIO PERCENTAGE 204, ,219, , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 58 P a g e

68 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 2006 DATA POSITION FROM OCCUPATION : Residential ZONE : All TO PROCESSING DATE 01/01/ /12/ /03/2011 BAND Table SUM INSURED (BAND) (In Million Rp.) FROM PERCENTAGE rp RP PERCENTAGE f F PERCENTAGE rp RP BAND (d)/ (d) (f) (h) BAND (i)/ (i) (j) (l) BAND (m)/ (m) (n) (p) INCURRED CLAIM (In Million Rp.) PERCENTAGE BAND (q)/ (q) (r) (a) (b) (c) (d) ( e) ( f) ( g) (h) ( i) ( j) ( k) (l) (m) ( n) ( o) (p) ( q) ( r) ( s) (t) (u) ,186 3, , , ,594 4, , ,212 7, , ,823 10, , ,519 14, , , ,807 17, , , , ,246 18, , , , , ,710 20, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , UP 14 23, , , , * ) Multilocation TO f NUMBER OF RISKS F (d) GROSS PREMIUM (In Million Rp.) CLAIM FREQUENCY LOSS RATIO PERCENTAGE 2, , , BAND (p)/(h) (q)/(i) *) Multilocation = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai any one risk 59 P a g e

69 Peta 7.1 / Map P a g e

70 GLOSSARIES 1. OCCUPATION : A - AGRICULTURAL C - COMMERCIAL I - INDUSTRIAL R - RESIDENTIAL 2. ZONES (BASED ON CRESTA) : Banda Aceh Medan Others 1 - North Sumatera Padang Palembang Others 2 - South Sumatera DKI Jakarta Bandung Others 3 - DKI & West java Semarang Yogyakarta Others 4 - DIY & Central Java Surabaya Others 5 - East Java 6 - Kalimantan Ujung Pandang Others 7 - Sulawesi 8 - Other Islands 61 P a g e

71 3. f : Frequencies F : Accumulations of frequencies Cum : Cumulative (increasing in amount by one addition after another) 4. Incurred Claim Outstanding Claims (100%) plus paid/settled claims (100%) 5. Sum Insured The Sum Insured represents 100% Sum Insured 6. Gross Premium Gross Premium represent 100% premium 7. Loss Ratio The percentage ratio of Incurred claims to Gross Premium 62 P a g e

72 Lampiran 1/ Attachment 1 TARIF ASURANSI GEMPA BUMI TAHUN 2010 Tariff in %o (mil) DEFINISI COMMERCIAL AND INDUSTRIAL : Obyek selain okupasi dwelling house (kode okupasi selain 2976) Steel Frame : struktur bangunan yang menggunakan Baja sebagai rangkanya Wood : struktur bangunan yang menggunakan kayu sebagai rangkanya Reinforced Concrete : struktur bangunan yang menggunakan beton bertulang sebagai rangkanya Others (Incl. No Frame) : struktur bangunan selain konstruksi baja, beton bertulang atau rangka kayu; termasuk bangunan yang terbuat dari susunan batu tanpa rangka DWELLING HOUSE : Obyek dengan kode okupasi 2976 Steel, Wood or RC Frame : struktur bangunan rumah tinggal dengan konstruksi baja, beton bertulang atau rangka kayu Others : struktur bangunan rumah tinggal selain konstruksi baja, beton bertulang atau rangka kayu termasuk bangunan rumah tinggal yang terbuat dari susunan batu tanpa rangka Catatan: Basement diperhitungkan dalam menentukan jumlah lantai bangunan bertingkat. 63 P a g e