ASURANSI Gempa Bumi Indonesia

Transkripsi

1 w w w. m a i p a r k. c o m LAPORAN STATISTIK ASURANSI Gempa Bumi Indonesia Per 3 Juni 213 Indonesian Earthquake Insurance Statistic As at 3 June 213 PT Asuransi MAIPARK Indonesia 1

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

3 Daftar Isi Content Hal. Kata Pengantar... i Daftar Isi..ii Informasi Statistik... v Page Foreword... i Contents..ii Statistic Information... v Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni A. Umum... 1 B. Struktur Pasar... 1 C. Premi Bruto... 1 D. Jumlah Risiko... 3 E. Incurred Claim... 4 Exposure Asuransi Gempa Bumi Indonesia... Tabel 2.1. Exposure Per Cresta Zone... 8 Tabel 2.2. Exposure Per Okupasi... 1 Tabel 2.3. Exposure Per Interest Tabel 2.4. Exposure Per Provinsi Statistic Overview of Indonesian Earthquake Insurance June A. General... 1 B. Market Structure... 1 C. Gross Premium... 1 D. Number of Risk... 3 E. Incurred Claim... 4 Indonesian Earthquake Insurance Exposure... Table 2.1. Exposure By Cresta Zone... 8 Table 2.2. Exposure By Occupation... 1 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... 2 Tabel 4.2. Jumlah Risiko Per Okupasi Indonesian Earthquake Insurance Number of Risks... Table 4.1. Number of Risk By Cresta Zone... 2 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... 3 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... 3 ii

4 Profil Risiko dan Klaim... Underwriting Year , Seluruh Okupasi Underwriting Year 213, Seluruh Okupasi Underwriting Year 212, Seluruh Okupasi Underwriting Year 211, Seluruh Okupasi Underwriting Year 21, Seluruh Okupasi Underwriting Year 29, Seluruh Okupasi Risk and Loss Profile... Underwriting Year , All Occupation Underwriting Year 213, All Occupation Underwriting Year 212, All Occupation Underwriting Year 211, All Occupation Underwriting Year 21, All Occupation Underwriting Year 29, All Occupation Profil Risiko dan Klaim Underwriting Year 213 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial... 4 Okupasi Residensial Risk and Loss Profile Underwriting Year 213 By Occupation.... Agricultural Occupation Commercial Occupation Industrial Occupation... 4 Residential Occupation Profil Risiko dan Klaim Underwriting Year 212 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residensial Risk and Loss Profile Underwriting Year 212 By Occupation.... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Profil Risiko dan Klaim Underwriting Year 211 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residensial Risk and Loss Profile Underwriting Year 211 By Occupation.... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Profil Risiko dan Klaim Underwriting Year 21 Per Okupasi... Okupasi Agrikultural... 5 Okupasi Komersial Okupasi Industrial Okupasi Residensial Risk and Loss Profile Underwriting Year 21 By Occupation.... Agricultural Occupation... 5 Commercial Occupation Industrial Occupation Residential Occupation iii

5 Profil Risiko dan Klaim Underwriting Year 29 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residential Risk and Loss Profile Underwriting Year 29 By Occupation... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation Peta Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 213, per 3 Juni Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 213, per 3 Juni 213, Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred UY Map Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 213, as at 3 June Indonesian Earthquake Distribution M > 5 and Claim Incurred Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 213, as at 3 June 213, Indonesian Earthquake Distribution M > 5 and Claim Incurred Damage Ratio Damage Ratio Lampiran 1. Daftar Istilah Tarif Asuransi Gempa Bumi Indonesia Skala First Loss Tabel jangka Waktu Pertanggungan Kurang Dari Satu Tahun Skala Indemnity Period Tabel Cresta Zone dan Zona..69 Attachments 1. Glossaries Indonesian Earthquake Insurance Tariff First Loss Scale Short Period Table Less Than One Year Period Indemnity Period Scale Cresta Zone and Zone Table 69 Referensi 1. Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam-LK). 2. Badan Pusat Statistik (BPS). Refference 1. Capital Market and Financial Institution Supervisory Agency (Bapepam-LK). 2. Central of Statistics Bureau (BPS). *) Laporan Statistik ini dapat diperoleh di website PT. Asuransi MAIPARK Indonesia *) Statistic Report is available on PT. Asuransi MAIPARK Indonesia s Website iv

6 Informasi Statistik Statistic Information 1. Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan posisi 3 Juni Sesi Limit 2.1. Limit Sesi atas setiap risiko (any one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah sebagai berikut : Untuk daerah Jawa Barat, Banten dan DKI : 5% (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,5,. (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis Untuk 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 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 coinsurance, the maximum cession from all members of coinsurance is stipulated in point 2.1 above. Each ceding company cedes proportionally depending on its coinsurance share. If there are policies other than coinsurance policy on the same insured object, the insurer is still able to cede such risk subject to total insurance company s cession not exceeding the provision in point Tarif Premi Asuransi Gempa Bumi Indonesia 3.1. Penutupan Full Value Basis mengaplikasikan Tarif Premi Standar Gempa Bumi Indonesia (lampiran 2) Penutupan First Loss / Sub Limit Basis mengaplikasikan standar First Loss Scale (lampiran 3) Perhitungan premi untuk penutupan kurang dari 12 (dua belas) bulan diberlakukan skala premi jangka pendek (lampiran 4) 3.4. Untuk perhitungan premi Business Interruption diberlakukan Indemnity Period Scale (lampiran 5). 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 Object 4.1. Insured object which can be ceded is fire insurance object such as : Material damage : Building Foundation Excavation and the like Stock Others Business Interruption Gross Profit Wages Increase in cost of working Others 4.2. Insured object referred in point 4.1 is direct business, including coinsurance. Indirect business / reinsurance cannot be ceded. 5. Bordereaux Submission Bordereaux submission is on a monthly basis for all risks underwritten in the month concerned and should be received by the end of the following month at the latest. vii

9 Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 213 Statistic Overview of Indonesia Earthquake Insurance June 213 A. Umum Berdasarkan data Badan Pusat Statistik, Perekonomian Indonesia pada tahun 212 sebagaimana diukur dari Pendapatan Domestik Bruto (PDB), tumbuh sebesar 6,23% dibandingkan tahun 211. Nilai Produk Domestik Bruto (PDB) Indonesia atas dasar harga konstan 2 pada tahun 212 mencapai Rp ,1 triliun sedangkan pada tahun 211 sebesar Rp ,7 triliun. Bila dilihat berdasarkan harga berlaku, PDB tahun 212 adalah sebesar Rp ,9 triliun sedangkan tahun 211 adalah Rp ,8 triliun. A. General Based on Central of Statistics Bureau data, Indonesian economic in 212 as measured by Gross Domestic Product (GDP), increased by 6.23% compared with 211. Gross Domestic Product (GDP) based on Constant Price 2 in 212 reached the amount of Rp. 2, trillion while in 211 was Rp. 2,464.7 trillion. If it is based on Current Market Price,GDP in 212 was Rp. 8,241.9 trillion while in 211 was Rp. 7,422.8 trillion. B. Struktur Pasar Berdasarkan data Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam-LK) pada buku Direktori Perasuransian Indonesia 212, terdapat 83 perusahaan asuransi umum yang memiliki izin beroperasi di Indonesia. B. Market Structure Based on Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) data in the book of Indonesian Insurance Directory 212, there are 83 general insurers having operating licenses in Indonesia. C. Premi Bruto Sampai dengan 3 Juni 213, premi bruto asuransi gempa bumi Underwriting Year 29 adalah sebesar Rp.1.771,2 miliar. Premi bruto untuk Underwriting Year 21 tercatat Rp. 2.83,8 miliar sedangkan untuk Underwriting C. Gross Premium As at 3 June 213, earthquake gross premium for Underwriting Year 29 was Rp. 1,771.2 billion. Gross premium for Underwriting Year 21 was recorded Rp. 2,83.8 billion, while for Underwriting Year 211 was Rp. 1

10 Year 211 adalah Rp ,7 miliar. Untuk Underwriting Year 212 dan 213 adalah Rp ,3 miliar dan Rp. 466,4 miliar. Angka angka ini akan terus bergerak naik terutama untuk Underwriting Year 212 dan 213. Tabel 1.1 di bawah ini menyajikan rincian premi bruto berdasarkan jenis okupasi dari Underwriting Year 29 hingga Underwriting Year 213. Prosentase okupasi Industrial selalu berada pada posisi pendapatan tertinggi dibanding 3 (tiga) okupasi lainnya (Agrikultural, Komersial, Residensial), yaitu di atas 55% dari total premi. Meskipun okupasi Komersial, Residensial dan Agrikultural tidak memberikan kontribusi premi sebesar okupasi Industrial, namun ketiga okupasi tersebut memperlihatkan pertumbuhan premi yang cukup signifikan. Hal ini terlihat terutama pada premi okupasi Agrikultural pada Underwriting Year 21 yang meningkat sebesar 7,6% dari Rp ,1 juta di Underwriting Year 29 menjadi Rp. 2.81,51 juta. 2,789.7 billion. For Underwriting Year 212 and 213 were Rp. 2,546.3 billion and Rp billion. These figures would certainly increase especially for Underwriting Year 212 and 213. The table 1.1 below presents the details of gross premium based on occupation from Underwriting Year 29 to Underwriting Year 213. Industrial occupation always has the biggest percentage income compared to 3 (three) remaining occupations (Agricultural, Commercial, Residential), that is above 55% 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 increased by 7.6% from Rp. 12,194.1 million in Underwriting Year 29 to Rp. 2,81.51 million. Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 3 Juni 213 Table 1.1 Gross Premium and Ratio By Occupation as at 3 June 213 Dalam Jutaan Rupiah In Million Rupiah Underwriting Okupasi Agrikultural / Agricultural Total 29 12, % 45, % 1,123, % 23, % 1,771, , % 422, % 1,282, % 357, % 2,83, , % 735, % 1,697, % 334, % 2,789, , % 592, % 1,592, % 333, % 2,546, , % 133, % 258, % 73, % 466, T O T A L 85, % 2,288, ,955, ,328, ,657,

11 D. Jumlah Risiko Tabel 1.2 di bawah ini menyajikan jumlah risiko pada Underwriting Year 29 hingga Underwriting Year 213 yang tercatat sampai dengan 3 Juni 213. D. Number of Risks Table 1.2 below shows the number of risks from Underwriting Year 29 to Underwriting Year 213 recorded until 3 June 213. Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 3 Juni 213 Table 1.2 Number of Risk By Occupation as at 3 June 213 Okupasi U/Y 29 U/Y 21 U/Y 211 U/Y 212 U/Y 213 Occupation Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Agricultural / Agricultural A Komersial / Commercial C 74, , , , , Industrial / Industrial I 12, , , , , Residensial / Residential R 42, , , , , Jumlah / Total 13, , , , , Grafik 1.1 Jumlah Risiko Berdasarkan Okupasi per 3 Juni 213 Graph 1.1 Number of Risks by Occupation as at 3 June 213 Industrial, 12,939 Residential, 58,826 Agricultural, 379 Commercial, 74,4 Commercial, 83,31 Industrial, 13,851 Commercial, 89,622 Residential, 42,727 Industrial, 14,971 Agricultural, 252 UY 29 Agricultural, 441 Residential, 67,156 UY 211 Industrial, 3,332 Commercial, 81,11 Industrial, 15,679 UY 21 Commercial, 17,385 Residential, 13,196 Residential, 58,687 Agricultural, 414 UY 212 UY 213 Agricultural, 44 3

12 Jumlah risiko terbesar untuk setiap Underwriting Year, dalam hal ini dari Underwriting Year 29 sampai dengan Underwriting Year 213 ada pada okupasi Komersial, yaitu selalu berada pada rasio di atas 5% dari total risiko. Kemudian diikuti oleh okupasi Residensial dengan rasio di atas 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 29 to Underwriting Year 213, is under Commercial occupation, which is always on the ratio above 5% from the total risk. Then, it is followed by Residential occupation with ratio above 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 982 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 was 1,867 claims and it dominated by Commercial occupation of 982 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 213 Table 1.3 Claim Frequency By Occupation as at 3 June 213 Okupasi Occupation Underwriting Year Agrikultural / Agricultural A 27 Komersial / Commercial C Industrial / Industrial I 23 1 Residensial / Residential R Jumlah / Total 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 91,26% dari total klaim di Underwriting Year 29 atau sebesar Rp. 894,7 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 91.26% of the total claim in Underwriting Year 29 or Rp billion Tabel 1.4 Jumlah Klaim Berdasarkan Okupasi per 3 Juni 213 Table 1.4 Claim Amount By Occupation as at 3 June 213 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 894,652,247, ,536,859, ,845,431, ,165,434, Industrial / Industrial I 4,41,122, ,224, Residensial / Residential R 67,191,812, ,785, ,538, ,, Jumlah / Total 98,367,8, ,73,869, ,734,97, ,315,434, Tabel 1.5 di bawah ini menyajikan kejadian Gempa Bumi Tahun 213 yang tercatat sampai dengan 3 Juni 213. Table 1.5 below shows earthquake events occurred in 213 and the corresponding incurred claims as at 3 June 213. Tabel 1.5 Kejadian Gempa Bumi Tahun 213 dan Klaim per 3 Juni 213 Table 1.5 Earthquake Event in 213 and Claim as at 3 June 213 Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Klaim Event Date of Loss Magnitude (S.R) Claim Dalam Rupiah In Rupiah Aceh 23 Januari ,416, 5

14 Tabel 1.6 menyajikan klaim Gempa Bumi Aceh yang terjadi pada tanggal 23 Januari 213 ( ) sebesar Rp. 616,4 juta perjenis okupasi. Table 1.6 presents Aceh Earthquake claim which occurred on 23 January 213 ( ) i.e. Rp million by occupation. Tabel 1.6 Kejadian Gempa Bumi tahun 213 dan Klaim per Okupasi per 3 Juni 213 Table 1.6 Earthquake Event in 213 and per Occupationas at 3 June 213 Kejadian Gempa Bumi Earthquake Event Tanggal Kejadian Date of Loss Frekwensi Frequency Okupasi Occupation Jumlah (Dalam Rupiah) Amount (in Rupiah) Agrikultural / Agricultural Komersial / Commercial Industri / Industrial Residensial / Residential Agrikultural / Agricultural Komersial / Commercial Industri / Industrial Residensial / Residential Aceh 23-Jan ,416, Tabel di bawah ini adalah daftar klaim terbesar sampai dengan tanggal 3 Juni 213. The table below is a list of the largest claims as at 3 June 213. Daftar Klaim - Klaim Terbesar Posisi 3 Juni 213 List of The Largest Claims as at 3 June 213 No. Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Klaim Event Date of Loss Magnitude (S.R) Claim Dalam Rupiah In Rupiah 1 ACEH ,24,887, YOGYAKARTA ,85,94, PADANG ,21,89, BENGKULU ,319,393, PADANG ,969,561,63. 6 TASIKMALAYA ,113,517, PARIAMAN ,148,62,579, BIMA ,77,265, MERAPI *) 3,896,749, NUSA DUA ,86,596, *) Penyebab terkait letusan gunung berapi Caused by volcanic eruption 6

15 Tabel 1.7 menyajikan data jumlah polis dan loss ratio per 3 Juni 213. Tabel tersebut menunjukkan bahwa loss ratio tertinggi berada pada Underwriting Year 29 sebesar 55,35 %. Hal ini dipengaruhi oleh nilai klaim yang cukup tinggi yang mayoritas disebabkan dari gempa Pariaman dan gempa Tasikmalaya. Table 1.7 presents number of policies, and loss ratio as at 3 June 213. The table show that the biggest loss ratio was at Underwriting Year 29 i.e %. It was influenced by large amount of claim that majority resulting from Pariaman Earthquake and Tasikmalaya Earthquake. Tabel 1.7 Jumlah Polis dan Loss Ratio per 3 Juni 213 Tabel 1.7 Number of Policies and Loss Ratio as at 3 Juni 213 Underwriting Jumlah Polis Premi *) Frekwensi Klaim Jumlah Klaim *) Year Number of Policies Premium *) Claim Frequency Incurred Claim *) Loss Ratio ,735 1,771,182,451, ,867 98,367,8, % ,181 2,83,883,252, ,73,869, % ,281 2,789,687,616, ,734,97, % ,29 2,546,326,964, ,315,434, % , ,441,632, % Keterangan : *) Dalam Rupiah In Rupiah Tabel 1.8 menyajikan Premi dan Exposure per 3 Juni 213. Tabel 1.8 presents Premium and Exposure as at 3 June 213. Tabel 1.8 Premi dan Exposure per 3 Juni 213 Table 1.8 Premium and Exposure as at 3 June 213 Dalam Jutaan Rupiah In Million Rupiah Underwriting Premi Exposure Year Premium Exposure 29 1,771, ,49,828, ,83, ,649,667, ,789, ,133,499, ,546, ,866,798, , ,12,92. 7

16 National Aggregate Exposure By Cresta Zone As At 3/6/213 Table 2.1 in IDR U/Y 29 U/Y 21 U/Y 211 U/Y 212 U/Y 213 Cresta Zone Amount % Amount % Amount % Amount % Amount % BANDA ACEH 1.1 1,151,317,735, ,372,179,572, ,518,821,638, ,74,435,818, ,887,219, MEDAN ,67,316,78, ,555,76,933, ,138,426,836, ,449,65,41, ,414,194,721, OTHERS ,138,42,19, ,38,547,625, ,922,229,977, ,571,43,562, ,79,3,732, NORTH SUMATERA 1 63,96,36,4, ,965,84,13, ,579,478,451, ,761,129,422, ,43,112,674, PADANG ,79,21,586, ,584,265,175, ,856,58,27, ,418,496,96, ,982,654,3, PALEMBANG ,88,7,278, ,873,56,35, ,85,559,458, ,57,546,224, ,191,77,411, OTHERS ,987,661,42, ,756,671,823, ,42,385,179, ,28,894,281, ,449,78,37, SOUTH SUMATERA 2 159,155,563,267, ,213,993,349, ,127,452,844, ,269,937,466, ,623,511,812, JAKARTA ,846,144,884, ,541,65,983, ,19,627,597, ,298,86,843, ,753,462,422, BANDUNG 3.2 7,355,2,993, ,935,57,412, ,835,86,86, ,268,861,94, ,377,634,36, OTHERS ,284,729,877, ,154,43,672, ,175,288,433, ,675,49,567, ,544,596,35, WEST JAVA 3 736,485,895,755, ,631,67,68, ,57,12,2,837, ,12,243,78,352, ,675,692,764, SEMARANG 4.1 1,326,73,828, ,375,664,5, ,514,625,52, ,692,292,433, ,21,599, YOGYAKARTA 4.2 8,43,718,692, ,113,864,14, ,212,793,123, ,866,374,614, ,141,394,344, OTHERS ,441,412,447, ,334,562,56, ,429,538,756, ,324,394,249, ,492,269,35, CENTRAL JAVA 4 86,171,861,968, ,824,9,697, ,156,957,4, ,883,61,297, ,248,865,294, SURABAYA ,196,852,144, ,595,23,497, ,264,971,297, ,991,535,16, ,147,59,874, OTHERS ,737,331,338, ,737,634,356, ,516,56,88, ,318,385,371, ,49,472,544, EAST JAVA 5 267,934,183,483, ,332,864,853, ,781,532,16, ,39,92,531, ,196,532,418, KALIMANTAN 6 79,775,77,197, ,291,246,957, ,651,657,372, ,554,681,732, ,786,725,669, UJUNG PANDANG ,936,344,695, ,495,668,697, ,64,518,3, ,799,832,825, ,873,384,48, OTHERS ,55,16,599, ,895,191,748, ,611,518,695, ,539,594,89, ,63,21,984, SULAWESI 7 48,486,55,295, ,39,86,445, ,252,36,725, ,339,427,715, ,936,46,33, OTHER ISLANDS 8 48,858,368,437, ,17,158,388, ,83,545,919, ,437,483,514, ,114,245,331, T O T A L 1,49,828,121,41, ,649,667,85,891, ,133,499,663,658, ,866,798,72,33, ,12,91,997,

17 86, , , , , , , ,57, , , , , , , , , , , , , ,39.86 UY 29 49,17.16 UY , , UY 21 North Sumatera South Sumatera 113, , West Java 27, , , Central Java East Java 1,12, , , Kalimantan 7, Sulawesi 63, , , Other Islands 86, , , , UY 212 UY 213 9

18 National Aggregate Exposure By Occupation As At 3/6/213 Table 2.2 in IDR Occupation U/Y 29 U/Y 21 U/Y 211 U/Y 212 U/Y 213 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 1,73,1,942, ,579,829,261, ,568,126,616, ,264,159,428, ,266,128, COMMERCIAL C 325,666,319,61, ,433,797,524, ,585,353,68, ,627,25,943, ,428,133,155, INDUSTRIAL I 982,965,36,71, ,56,77,26,435, ,357,71,583,221, ,26,663,699,566, ,811,99,54, RESIDENTIAL R 171,466,664,697, ,946,432,67, ,635,6,14, ,243,655,95, ,913,593,173, T O T A L 1,49,828,121,41, ,649,667,85,891, ,133,499,663,658, ,866,798,72,33, ,12,91,997,

19 ( In Billion IDR ) Industrial, 982,965.4 Residential, 171, Commercial, 528, Industrial, 1,357,71.58 Industrial, 1,56,77.3 Commercial, 325, Agricultural, 1,73.1 Agricultural, 19, Residential, 227,635.6 UY 29 Commercial, 36,433.8 Agricultural, 17, Residential, 268, UY 211 Industrial, 1,26,663.7 Residential, 221, UY 21 Industrial, 185,811.1 Commercial, 92, Commercial, 416, Agricultural, 22, Agricultural, UY 212 Residential, 49, UY

20 National Aggregate Exposure By Interest As At 3/6/213 Table 2.3 In IDR Interest U/Y 29 U/Y 21 U/Y 211 U/Y 212 U/Y 213 Amount % Amount % Amount % Amount % Amount % Building 77,69,887,982, ,778,62,589, ,256,761,732, ,466,983,514, ,522,997,682, Machinery 295,689,793,261, ,257,222,697, ,858,734,44, ,494,96,946, ,335,88,847, Others 192,298,425,99, ,242,815,284, ,585,773,758, ,24,63,6, ,474,649,119, Stock 164,37,394,65, ,397,282,35, ,411,11,716, ,274,916,192, ,84,161,958, Bussiness Interruption 131,111,619,569, ,991,162,968, ,387,292,1, ,537,85,374, ,594,474,389, T O T A L 1,49,828,121,41, ,649,667,85,891, ,133,499,663,658, ,866,798,72,33, ,12,91,997,

21 1,,. 9,. 8,. 7,. 6,. 5,. 4,. Building Machinery Stock Others Business Interruption 3,. 2,. 1,.. UY 29 UY 21 UY 211 UY 212 UY

22 National Aggregate Exposure By Province As At 3/6/213 Table 2.4 In IDR U/Y 29 U/Y 21 U/Y 211 U/Y 212 U/Y 213 Province Amount % Amount % Amount % Amount % Amount % 1. NAD 2,129,111,617, ,896,549,742, ,16,29,95, ,81,554,178, ,163,742, SUMATERA UTARA 61,83,924,386, ,69,254,388, ,563,268,51, ,959,575,244, ,93,948,932, SUMATERA BARAT 51,986,147,581, ,452,769,96, ,6,864,914, ,446,2,289, ,683,45,224, RIAU 23,766,679,475, ,26,349,995, ,232,348,841, ,948,938,83, ,24,71,92, JAMBI 4,286,182,876, ,223,547,269, ,425,278,687, ,463,29,229, ,69,951,26, SUMATERA SELATAN 34,441,723,51, ,334,39,151, ,25,472,6, ,365,537,426, ,946,86,612, BENGKULU 2,829,353,116, ,71,922,62, ,61,932,263, ,134,72,191, ,841,782, LAMPUNG 22,259,556,772, ,896,42,99, ,394,3,74, ,429,998,762, ,32,663,136, KEP BANGKA-BELITUNG 23,539,25,367, ,949,87,596, ,75,48,873, ,15,857,17, ,181,949, KEPULAUAN RIAU 36,754,142,794, ,259,164,266, ,231,116,499, ,33,611,377, ,412,264,999, JAKARTA 278,38,128,925, ,541,65,983, ,19,627,597, ,298,86,843, ,753,462,422, JAWA BARAT 271,796,866,33, ,421,47,759, ,29,964,492, ,437,632,989, ,678,439,717, JAWA TENGAH 76,189,62,582, ,266,382,87, ,134,591,473, ,26,56,988, ,545,495,912, DIY 9,363,455,288, ,557,77,827, ,22,365,926, ,856,554,38, ,73,369,381, JAWA TIMUR 265,15,697,53, ,332,864,853, ,781,532,16, ,39,92,531, ,196,532,418, BANTEN 151,66,321,365, ,668,53,325, ,8,41,747, ,56,638,518, ,243,79,624, BALI 4,22,835,882, ,933,119,584, ,912,718,788, ,562,58,115, ,313,618,37, NUSA TENGGARA BARAT 3,49,546,199, ,913,971,66, ,13,131,74, ,421,94,661, ,129,6, NUSA TENGGARA TIMUR 756,334,736, ,279,324, ,614,228,486, ,784,243,41, ,112,85, KALIMANTAN BARAT 3,928,85,154, ,153,92,31, ,39,246,798, ,153,943,737, ,186,366,859, KALIMANTAN TENGAH 3,433,626,226, ,751,768,129, ,237,334,3, ,382,372,392, ,119,576, KALIMANTAN SELATAN 14,198,635,526, ,536,826,586, ,69,611,376, ,3,415,795, ,398,999,423, KALIMANTAN TIMUR 55,774,591,42, ,848,731,939, ,35,464,897, ,14,949,86, ,728,239,811, SULAWESI UTARA 7,145,694,528, ,866,538,15, ,63,135,583, ,945,58,879, ,55,89,877, SULAWESI TENGAH 1,191,649,278, ,343,57,49, ,228,387,852, ,745,82,786, ,994,526,569, SULAWESI SELATAN 19,968,991,918, ,334,48,273, ,666,771,831, ,728,728,291, ,173,743,998, SULAWESI TENGGARA 8,621,142,929, ,969,5,939, ,114,456,, ,679,258,736, ,71,111, GORONTALO 1,845,525,441, ,13,952,637, ,691,734,23, ,153,68,633, ,63,373, SULAWESI BARAT 555,854,153, ,863,33,953, ,551,254, ,87,42,388, ,471,11, MALUKU 524,181,278, ,656,91, ,1,78,57, ,248,137,421, ,87,84, MALUKU UTARA 439,777,819, ,79,391, ,71,74, ,215,282, ,958,825, PAPUA BARAT 2,8,44,855, ,738,814,94, ,18,86,91, ,23,79,699, ,595,751, PAPUA 1,766,44,862, ,25,526,431, ,498,124,6, ,434,654,922, ,96,1, T O T A L 1,49,828,121,41, ,649,667,85,891, ,133,499,663,658, ,866,798,72,33, ,12,91,997,

23 National Gross Premium By Cresta Zone As At 3/6/213 Table 3.1 in IDR U/Y 29 U/Y 21 U/Y 211 U/Y 212 U/Y 213 Cresta Zone Amount % Amount % Amount % Amount % Amount % BANDA ACEH 1.1 1,421,9, ,817,91, ,937,56, ,6,394, ,551, MEDAN ,779,147, ,851,52, ,225,469, ,147,499, ,57,581, OTHERS ,861,35, ,222,782, ,724,364, ,136,185, ,655,784, NORTH SUMATERA 1 78,61,56, ,891,745, ,887,34, ,344,79, ,637,918, PADANG ,282,246, ,763,15, ,53,427, ,75,971, ,514,591, PALEMBANG 2.2 2,548,65, ,94,96, ,929,429, ,355,562, ,93,649, OTHERS ,993,265, ,542,695, ,166,633, ,531,719, ,713,79, SOUTH SUMATERA 2 182,824,162, ,29,942, ,626,49, ,593,253, ,322,32, JAKARTA ,635,84, ,347,168, ,389,838, ,161,781, ,528,58, BANDUNG 3.2 9,457,87, ,241,42, ,999,946, ,35,498, ,59,64, OTHERS ,696,47, ,714,575, ,425,25, ,975,25, ,538,152, WEST JAVA 3 875,79,19, ,186,32,786, ,482,815,34, ,481,442,53, ,125,815, SEMARANG 4.1 1,63,75, ,647,43, ,948,947, ,98,483, ,346, YOGYAKARTA ,214,752, ,121,451, ,314,14, ,58,744, ,711,656, OTHERS ,458,237, ,861,57, ,882,383, ,839,589, ,71,436, CENTRAL JAVA 4 15,33,65, ,63,1, ,145,344, ,256,818, ,186,44, SURABAYA ,211,415, ,556,14, ,213,813, ,219,352, ,29,2, OTHERS ,27,882, ,977,888, ,35,755, ,482,655, ,846,748, EAST JAVA 5 315,482,298, ,534,28, ,249,569, ,72,8, ,136,751, KALIMANTAN 6 92,748,368, ,414,377, ,125,514, ,124,33, ,7,51, UJUNG PANDANG ,678,91, ,843,733, ,734,288, ,417,378, ,819,486, OTHERS ,792,3, ,48,314, ,677,393, ,252,652, ,619,789, SULAWESI 7 61,47,913, ,252,47, ,411,681, ,67,3, ,439,275, OTHER ISLANDS 8 59,52,116, ,648,321, ,426,64, ,193,912, ,523,348, T O T A L 1,771,182,451, ,83,883,252, ,789,687,616, ,546,326,964, ,441,632,

24 (in Billion IDR) , , UY UY UY North Sumatera 1, South Sumatera West Java Central Java East Java Kalimantan Sulawesi Other Islands UY 212 UY

25 National Gross Premium By Occupation As At 3/6/213 Table 3.2 in IDR Occupation U/Y 29 U/Y 21 U/Y 211 U/Y 212 U/Y 213 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 12,194,14, ,81,57, ,25,839, ,118,491, ,26,447, COMMERCIAL C 45,39,221, ,86,129, ,19,136, ,338,735, ,15,172, INDUSTRIAL I 1,123,97,187, ,282,982,68, ,697,84,749, ,592,811,877, ,618,88, RESIDENTIAL R 23,42,27, ,293,6, ,242,89, ,57,859, ,466,923, T O T A L 1,771,182,451, ,83,883,252, ,789,687,616, ,546,326,964, ,441,632,

26 ( In Billion IDR ) Industrial, 1, Residential, 23.4 Industrial, 1,697.8 Agricultural, Industrial, 1, Commercial, Commercial, 45.4 Commercial, Agricultural, Residential, UY 29 UY 211 Agricultural, 2.8 Residential, UY 21 Industrial, 1, Residential, Commercial, Industrial, Agricultural, Agricultural, 1.21 UY 212 Commercial, Residential, UY

27 National Gross Premium By Province As At 3/6/213 Table 3.3 In IDR Province U/Y 29 U/Y 21 U/Y 211 U/Y 212 U/Y 213 Amount % Amount % Amount % Amount % Amount % 1. NAD 2,599,957, ,78,999, ,415,57, ,693,999, ,958, SUMATERA UTARA 75,461,549, ,182,745, ,471,833, ,65,8, ,789,959, SUMATERA BARAT 62,1,2, ,385,59, ,136,434, ,45,246, ,627,55, RIAU 25,419,981, ,225,149, ,459,683, ,569,515, ,452,2, JAMBI 4,712,436, ,235,841, ,267,536, ,252,655, ,191,294, SUMATERA SELATAN 39,63,571, ,84,6, ,966,693, ,461,454, ,37,268, BENGKULU 3,813,255, ,442,661, ,257,685, ,679,3, ,331,445, LAMPUNG 27,199,695, ,88,524, ,8,836, ,518,378, ,861,252, KEP BANGKA-BELITUNG 33,218,571, ,68,246, ,399,758, ,832,398, ,569, KEPULAUAN RIAU 44,378,292, ,627,328, ,57,862, ,829,35, ,126,495, JAKARTA 356,16,913, ,347,168, ,389,838, ,161,781, ,528,58, JAWA BARAT 292,64,855, ,826,928, ,262,949, ,16,77, ,74,833, JAWA TENGAH 92,285,467, ,488,36, ,137,332, ,784,472, ,638,466, DIY 12,391,76, ,141,64, ,8,12, ,472,345, ,547,973, JAWA TIMUR 311,725,638, ,534,28, ,249,569, ,72,8, ,136,751, BANTEN 178,53,948, ,128,689, ,162,247, ,174,67, ,522,923, BALI 49,11,896, ,378,833, ,823,919, ,66,746, ,7,422, NUSA TENGGARA BARAT 4,252,556, ,437,66, ,31,465, ,42,84, ,542,25, NUSA TENGGARA TIMUR 916,487, ,284,175, ,429,47, ,712,726, ,377, KALIMANTAN BARAT 4,242,97, ,687,992, ,139,141, ,446,838, ,85,945, KALIMANTAN TENGAH 3,654,811, ,914,281, ,286,884, ,25,441, ,832, KALIMANTAN SELATAN 16,851,347, ,885,35, ,685,77, ,744,94, ,277,398, KALIMANTAN TIMUR 64,785,255, ,926,753, ,13,78, ,727,145, ,279,874, SULAWESI UTARA 9,263,56, ,87,314, ,983,91, ,54,694, ,847,215, SULAWESI TENGAH 1,457,145, ,1,251, ,442,379, ,812,471, ,63,366, SULAWESI SELATAN 23,927,432, ,32,162, ,843,1, ,727,238, ,96,68, SULAWESI TENGGARA 9,777,748, ,169,63, ,519,561, ,897,31, ,449, GORONTALO 16,6,97, ,34,277, ,224,54, ,64,32, ,258, SULAWESI BARAT 668,782, ,667,41, ,398,332, ,628,292, ,377, MALUKU 667,234, ,71,525, ,758,561, ,278,79, ,91, MALUKU UTARA 553,227, ,949, ,57,64, ,375,795, ,686, PAPUA BARAT 2,376,43, ,543,32, ,158,111, ,283,562, ,393, PAPUA 2,156,439, ,567,198, ,167,893, ,534,197, ,55,126, T O T A L 1,771,182,451, ,83,883,252, ,789,687,616, ,546,326,964, ,441,632,

28 Number Of Risk By Cresta Zone As At 3/6/213 Table 4.1 Cresta Zone U/Y 29 U/Y 21 U/Y 211 U/Y 212 U/Y 213 BANDA ACEH MEDAN 1.2 5,181 5,664 5,695 5,6 1,468 OTHERS 1.3 3,38 5,147 4,418 4, NORTH SUMATERA 1 9,18 11,445 1,628 1,536 2,331 PADANG 2.1 4,29 8,361 9,847 1,414 2,53 PALEMBANG 2.2 1,62 1,613 1,427 1, OTHERS ,985 17,27 16,37 15,839 2,616 SOUTH SUMATERA 2 17,796 27,1 27,581 27,547 5,418 JAKARTA ,47 35,114 38,373 33,112 8,595 BANDUNG 3.2 1,323 1,684 1,126 1, OTHERS ,93 34,71 33,688 31,174 7,124 WEST JAVA 3 6,66 71,499 73,187 66,236 16,27 SEMARANG YOGYAKARTA 4.2 2,176 2,467 2,147 2, OTHERS 4.3 8,841 1,54 9,51 8,86 1,625 CENTRAL JAVA 4 11,481 13,386 12,39 11,73 2,249 SURABAYA 5.1 5,161 6,29 6,34 5,556 1,349 OTHERS 5.2 6,63 7,821 7,29 6,597 1,332 EAST JAVA 5 11,791 13,85 13,243 12,153 2,681 KALIMANTAN 6 4,775 7,2 5,494 6, UJUNG PANDANG 7.1 1,451 1,737 1,798 1, OTHERS 7.2 3,753 6,399 6,77 5,68 91 SULAWESI 7 5,24 8,136 8,568 7,239 1,241 OTHER ISLANDS 8 9,53 12,16 12,788 13,438 3,155 T O T A L 13, , , ,791 33,957 2

29 8, 7, UY 29 UY 21 UY 211 6, UY 212 UY 213 5, 4, 3, 2, 1, North Sumatera South Sumatera West Java Central Java East Java Kalimantan Sulawesi Other Islands 21

30 Number Of Risk By Occupation As At 3/6/213 Table 4.2 Occupation U/Y 29 % U/Y 21 % U/Y 211 % U/Y 212 % U/Y 213 % AGRICULTURAL A COMMERCIAL C 74, , , , , INDUSTRIAL I 12, , , , , RESIDENTIAL R 42, , , , , T O T A L 13, , , , ,

31 Industrial, 12,939 Residential, 58,826 Agricultural, 379 Commercial, 74,4 Commercial, 83,31 Industrial, 13,851 Commercial, 89,622 Residential, 42,727 Industrial, 14,971 Agricultural, 252 UY 29 Agricultural, 441 Residential, 67,156 UY 211 Industrial, 3,332 Commercial, 81,11 Industrial, 15,679 UY 21 Commercial, 17,385 Residential, 13,196 Residential, 58,687 Agricultural, 414 UY 212 UY 213 Agricultural, 44 23

32 Claim Frequency by Occupation As At 3/6/213 Table 5.1 Occupation U/Y 29 U/Y 21 U/Y 211 U/Y 212 U/Y 213 AGRICULTURAL A 27 COMMERCIAL C INDUSTRIAL I 23 1 RESIDENTIAL R T O T A L 1,

33 1, Agricultural Commercial 6 5 Industrial Residential UY 29 UY 21 UY 211 UY 212 UY

34 Claim Frequency by Cresta Zone As At 3/6/213 Table 5.2 Cresta Zone U/Y 29 U/Y 21 U/Y 211 U/Y 212 U/Y 213 BANDA ACEH MEDAN OTHERS NORTH SUMATERA PADANG 2.1 1,599 7 PALEMBANG 2.2 OTHERS SOUTH SUMATERA 2 1, JAKARTA BANDUNG OTHERS WEST JAVA SEMARANG 4.1 YOGYAKARTA OTHERS CENTRAL JAVA SURABAYA 5.1 OTHERS EAST JAVA 5 2 KALIMANTAN 6 UJUNG PANDANG OTHERS SULAWESI OTHER ISLANDS T O T A L 1,

35 1,8 1,6 1,4 1, North Sumatera South Sumatera DKI & West Java DIY & Central Java East Java Kalimantan Sulawesi Other Islands 1, UY 29 UY 21 UY 211 UY 212 UY

36 Claim by Occupation As At 3/6/213 Table 5.3 In IDR Occupation U/Y 29 U/Y 21 U/Y 211 U/Y 212 U/Y 213 Amount % Amount % Amount % Amount % Amount % AGRICULTURAL A 14,121,897, COMMERCIAL C 894,652,247, ,536,859, ,845,431, ,165,434, INDUSTRIAL I 4,41,122, ,224, RESIDENTIAL R 67,191,812, ,785, ,538, ,, T O T A L 98,367,8, ,73,869, ,734,97, ,315,434,

37 Commercial 91.26% Commercial 94.35% Commercial 97.27% Industrial.45% Agricultural.% Agricultural 1.44% UY 29 Residential 6.85% Agricultural.% Residential.95% Industrial 1.78% Residential 5.65% Industrial.% UY 211 Commercial 88.6% UY 21 Agricultural.% Residential 11.4% Industrial.% UY 213 UY

38 Claim by Cresta Zone As At 3/6/213 Table 5.4 In IDR Cresta Zone U/Y 29 U/Y 21 U/Y 211 U/Y 212 U/Y 213 Amount % Amount % Amount % Amount % Amount % BANDA ACEH ,63,..6 23,965, ,247,593, ,, MEDAN ,388, ,115, ,136, OTHERS ,855,792, ,, ,469, ,416, NORTH SUMATERA 1 43,49,422, ,353, ,652,178, ,552, PADANG ,9,369, ,39, PALEMBANG 2.2 OTHERS ,633, ,,..2 1,445,841, ,, SOUTH SUMATERA 2 868,835,3, ,,..2 1,51,231, ,, JAKARTA 3.1 1,93,353, ,58,..1 6,, BANDUNG ,812,369, ,353, OTHERS 3.3 5,6,914, ,327, ,1,..17 5,, WEST JAVA 3 23,776,636, ,835, ,453, ,, SEMARANG 4.1 YOGYAKARTA ,57, ,261,54, OTHERS 4.3 9,854,25.. 4,12,914, CENTRAL JAVA 4 181,362, ,381,969, SURABAYA 5.1 OTHERS ,8, EAST JAVA ,8, KALIMANTAN 6 UJUNG PANDANG ,224, OTHERS ,491, ,, ,371, SULAWESI ,716, ,, ,371, OTHER ISLANDS 8 44,83,656, ,951,986, ,368,16, ,51, T O T A L 98,367,8, ,73,869, ,734,97, ,315,434,

39 South Sumatera, 868,835. Central Java, 34, ( In Million IDR ) North Sumatera, 6, South Sumatera, 1,51.23 West Java, Central Java,. East Java,. Kalimantan,. Sulawesi, 5. West Java, 23, North Sumatera, 43,49.42 Other Islands, 44,83.66 Sulawesi,. Central Java, East Java,. Kalimantan,. UY 29 West Java, North Sumatera, South Sumatera, 1. Other Islands, 6, East Java, 46.1 Kalimantan,. Sulawesi, UY 211 Other Islands, 7, UY 21 Other Islands, North Sumatera, North Sumatera South Sumatera West Java Sulawesi, Kalimantan,. East Java,. Central Java,. Central Java East Java Kalimantan Sulawesi West Java, 5. South Sumatera, 5. UY 212 Other Islands UY

40 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : OCCUPATION : ALL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND 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) ,865 69, , , , , ,337 12, , , , , ,73 193, , , , , , , , , , , ,389 32, , , , , , , , , , , , , ,. 53, , , , , , , ,. 1,5. 47, , , , , , , ,5. 2,. 28,423 58, , , , , , ,. 2,5. 17,72 525, , , , , , ,5. 3,. 14,195 54, , , , , , ,. 4,. 17, , , , , , , ,. 5,. 12,61 57, , , , , , ,. 7,5. 17, , , , , , , ,5. 1,. 11, , , , , , , ,. 2,. 17,79 616, , ,246, , , , ,. 5,. 15, , ,263. 1,874, , , , ,. 1,. 7,27 638, ,14.8 2,531, , , , ,. 5,. 7,55 646, ,8, ,54, , , , ,. UP 1, , ,117,29.3 9,657, , , ,4,

41 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 213 OCCUPATION : ALL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CU rp BAND CU BAND CU (d) (d)/ (d (f) (h) (i)/ (i) (j) (l) (m)/ (m) M (p) (q)/ (q) M (p)/(h) M ) (n) (r) q/i (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,585 2, ,17 5, ,792 8, ,4.43 1, ,392 12, , , ,148 16, , , ,. 3,17 19, , , ,. 1,5. 2,934 22, , , ,5. 2,. 1,894 24, , , ,. 2,5. 1,193 26, , , ,5. 3, , , , ,. 4,. 1,168 28, , , ,. 5, , , , ,. 7,5. 1,226 3, , , ,5. 1, , , , ,. 2,. 1,75 32, , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP 9 33, , ,

42 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 212 OCCUPATION : ALL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND CU (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (p)/(h) M d) q/i (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,78 15, ,31 27, ,47.6 1, ,944 45, , , ,935 58, , , ,265 76, , , ,84 89, , , ,. 11,434 1, , , ,. 1,5. 11, , , , ,5. 2,. 7, , , , ,. 2,5. 4,6 123, , , ,5. 3,. 3, , , , ,. 4,. 4, , , , ,. 5,. 3, , , , ,. 7,5. 4,541 14, , , ,5. 1,. 2, , , , ,. 2,. 4, , , , , ,. 5,. 3, , , , , ,. 1,. 1, , , , , ,. 5,. 1, , , ,224, , ,. UP , ,321, ,546, ,

43 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 211 OCCUPATION : ALL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (in Million Rp) (b) (c) (d) (e) (f) (g) 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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (p)/(h) q/i (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,179 16, ,46 28, , , ,838 47, , , ,339 6, , , ,42 79, , , ,117 92, , , ,. 13,495 16, , , ,. 1,5. 13,645 12, , , , ,5. 2,. 7, , , , , ,. 2,5. 4, , , , , ,5. 3,. 3, , , , , ,. 4,. 4,679 14, , , , ,. 5,. 3, , , , , ,. 7,5. 4, , , , , , ,5. 1,. 2,97 151, , , , ,. 2,. 4,56 155, , , , ,. 5,. 3, , , , , , ,. 1,. 1, , , , , , ,. 5,. 1,95 163, , ,19, , , ,. UP , ,598, ,789, ,

44 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 21 OCCUPATION : ALL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND CU (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m (n) (p) (q)/ (q) (r) (p)/(h) M d) ) q/i (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,818 19, ,51 34, , , ,19 54, , , ,895 67, , , ,133 85, , , ,921 11, , , ,. 14, , , , ,. 1,5. 1, , , , ,5. 2,. 6, , , , , ,. 2,5. 4, , , , , ,5. 3,. 3,257 14, , , , ,. 4,. 3, , , , , ,. 5,. 2, , , , , ,. 7,5. 3, , , , , ,5. 1,. 2, , , , , ,. 2,. 3, , , , , ,. 5,. 3,348 16, , , , ,. 1,. 1, , , , , ,. 5,. 1, , ,5.36 1,12, , , ,. UP , ,7, ,83, , ,

45 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 29 OCCUPATION : ALL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND CUM (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (p)/(h) q/i d) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,836 17, , , ,472 27, , , , , ,795 41, , , , , ,757 5, , , , , ,557 65, , , , , , ,438 77, , , , , , ,. 11,479 89, , , , , , ,. 1,5. 8,838 98, , , , , , ,5. 2,. 5,42 13, , , , , , ,. 2,5. 3,85 16, , , , , , ,5. 3,. 2,611 19, , , , , , ,. 4,. 3,24 112, , , , , , ,. 5,. 2, , , , , , , ,. 7,5. 3, , , , , , , ,5. 1,. 2,133 12, , , , , , ,. 2,. 3, , , , , , , ,. 5,. 3, , , , , , , ,. 1,. 1, , , , , , , ,. 5,. 1, , , , , , , ,. UP 45 13, , ,771, , , ,

46 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 213 OCCUPATION : AGRICULTURAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (in M illion Rp) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In M illion Rp) CLAIM FREQUENCY (In M illion Rp) LOSS RATIO F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND 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 ,

47 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 213 OCCUPATION : COMMERCIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND 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) , ,172 2, ,211 3, ,95 5, , , ,56 8, , , ,. 1,74 1, , , ,. 1,5. 1,537 11, , , ,5. 2,. 1,79 12, , , ,. 2, , , , ,5. 3, , , , ,. 4, , , , ,. 5, , , , ,. 7, , , , ,5. 1, , , , ,. 2, , , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP 13 17, , ,

48 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 213 OCCUPATION : INDUSTRIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND 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,. 12 1, , ,. 4, , , ,. 5, , , ,. 7, , , , ,5. 1, , , , ,. 2, , , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP 63 3, , ,

49 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 213 OCCUPATION : RESIDENTIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND 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) ,831 2, ,485 4, , ,165 6, , , ,461 7, , , ,. 1,23 9, , , ,. 1,5. 1,198 1, ,1.2 7, ,5. 2, , , , ,. 2, , , , ,5. 3, , , , ,. 4, , , , ,. 5, , , , ,. 7, , , , ,5. 1, , , , ,. 2, , , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP 14 13, , ,

50 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 212 OCCUPATION : AGRICULTURAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (in M illion Rp) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In M illion Rp) CLAIM FREQUENCY (In M illion Rp) LOSS RATIO F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CU rp BAND CU BAND CUM (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m M (p) (q)/ (q) M (p)/(h) q/i d) ) (n) (r) (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 , ,

51 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 212 OCCUPATION : COMMERCIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND CU (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (p)/(h) M d) q/i (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,48 8, ,718 16, , ,979 25, , , ,978 31, , , ,93 4, , , ,517 46, , , ,. 6,28 52, , , ,. 1,5. 5,958 58, , , ,5. 2,. 4,65 62, , , ,. 2,5. 2,538 65, , , ,5. 3,. 2,4 67, , , ,. 4,. 2,536 69, , , ,. 5,. 1,81 71, , , ,. 7,5. 2,378 74, , , ,5. 1,. 1,532 75, , , ,. 2,. 2,333 78, , , , ,. 5,. 1,76 79, , , , ,. 1, , , , , ,. 5, , , , , ,. UP 84 81, , , ,

52 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 212 OCCUPATION : INDUSTRIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CU rp BAND CU BAND CU (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m) M (p) (q)/ (q) M (p)/(h) M d) (n) (r) 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,. 51 7, , , ,. 4, , , , ,. 5, , , , ,. 7,5. 1,1 9, , , ,5. 1,. 75 1, , , ,. 2,. 1,426 11, , , ,. 5,. 1,58 13, , , ,. 1, , , , ,. 5,. 1,129 15, , , ,. UP , ,47, ,592,

53 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 212 OCCUPATION : RESIDENTIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND CU (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (p)/(h) M d) q/i (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,736 5, ,197 9, ,336 18, , , ,353 24, , , ,577 33, , , ,581 38, , , ,. 4,591 43, , , ,. 1,5. 4,336 47, , , ,5. 2,. 2,461 5, , , ,. 2,5. 1,495 51, , , ,5. 3,. 1,181 52, , , ,. 4,. 1,358 54, , , ,. 5, , , , ,. 7,5. 1,132 56, , , ,5. 1, , , , ,. 2, , , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP 41 58, , ,

54 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 211 OCCUPATION : AGRICULTURAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (in M illion Rp) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In M illion Rp) CLAIM FREQUENCY (In M illion Rp) LOSS RATIO F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CU rp BAND CU BAND CU (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m) M (p (q)/ (q) M (p)/(h) M d) (n) (r) 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 , ,

55 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 211 OCCUPATION : COMMERCIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND CU (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (p)/(h) M d) q/i (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,941 11, ,517 19, , ,213 28, ,15.3 3, ,135 34, , , ,354 44, , , ,654 5, , , ,. 8,349 59, , , ,. 1,5. 8,396 67, , , ,5. 2,. 4,177 71, , , ,. 2,5. 2,587 74, , , ,5. 3,. 1,969 76, , , , ,. 4,. 2,558 78, , , , ,. 5,. 1,854 8, , , , ,. 7,5. 2,362 83, , , , , ,5. 1,. 1,482 84, , , , ,. 2,. 2,295 86, , , , ,. 5,. 1,669 88, , , , , ,. 1, , , , , , ,. 5, , , , , , ,. UP 71 89, , , ,

56 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 211 OCCUPATION : INDUSTRIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CU rp BAND CU BAND CU (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m) M (p) (q)/ (q) M (p)/(h) M d) (n) (r) 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,. 77 5, , , ,. 2, , , , ,5. 3,. 47 6, ,27.2 9, ,. 4, , , , ,. 5, , , , ,. 7, , , , ,5. 1, , , , ,. 2,. 1,423 1, , , ,. 5,. 1,633 12, , , ,. 1, , , , ,. 5,. 1,23 14, , , ,. UP , ,152, ,697,

57 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 211 OCCUPATION : RESIDENTIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND CU (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (p)/(h) M d) q/i (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,732 3, ,651 8, ,63 17, , , ,81 24, , , ,993 33, , , ,865 39, , , ,. 4,479 43, , , ,. 1,5. 4,269 47, , , ,5. 2,. 2,448 5, , , ,. 2,5. 1,489 51, , , ,5. 3,. 1,19 52, , , ,. 4,. 1,373 54, , , ,. 5, , , , ,. 7,5. 1,121 56, , , ,5. 1, , , , ,. 2, , , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP 43 58, , ,

58 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 21 OCCUPATION : AGRICULTURAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (in M illion Rp) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In M illion Rp) CLAIM FREQUENCY (In M illion Rp) LOSS RATIO F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CU rp BAND CU BAND CU (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m) M (p) (q)/ (q) M (p)/(h) M d) (n) (r) 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 , ,

59 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 21 OCCUPATION : COMMERCIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (in Million Rp) F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND 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) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In Million Rp) CLAIM FREQUENCY (In Million Rp) LOSS RATIO (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,322 13, ,432 19, , ,93 28, , , ,672 34, , , ,44 42, , , ,23 49, , , ,. 8,588 58, ,23. 26, ,. 1,5. 6,16 64, , , ,5. 2,. 3,612 68, , , ,. 2,5. 2,381 7, , , ,5. 3,. 1,727 72, , , , ,. 4,. 2,145 74, , , , ,. 5,. 1,55 75, , , , ,. 7,5. 1,95 77, , , , ,5. 1,. 1,151 78, , , , ,. 2,. 1,811 8, , , , ,. 5,. 1,397 82, , , , ,. 1, , , , , ,. 5, , , , , , ,. UP 49 83, , , , ,

60 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 21 OCCUPATION : INDUSTRIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (in Million Rp) F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND 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) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In Million Rp) CLAIM FREQUENCY (In Million Rp) LOSS RATIO (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) , , , , , , , , ,. 1, , , , ,5. 2, , , , ,. 2, , , , ,5. 3, , , , ,. 4, , , , ,. 5,. 52 7, , , ,. 7, , , , ,5. 1, , , , ,. 2,. 1,33 1, , , ,. 5,. 1,428 11, , , ,. 1, , , , ,. 5,. 1,3 13, , , ,. UP , , ,282,

61 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 21 OCCUPATION : RESIDENTIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (in Million Rp) F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND 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) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In Million Rp) CLAIM FREQUENCY (In Million Rp) LOSS RATIO (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,889 5, ,681 13, , ,615 24, , , ,836 31, , , ,884 39, , , ,297 48, , , ,. 5,16 53, , , ,. 1,5. 3,927 57, , , ,5. 2,. 2,238 59, , , ,. 2,5. 1,348 6, , , ,5. 3,. 1,66 61, , , ,. 4,. 1,243 63, , , ,. 5, , , , ,. 7, , , , ,5. 1, , , , ,. 2, , , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP 53 67, , ,

62 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 29 OCCUPATION : AGRICULTURAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND CUM (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (p)/(h) q/i d) (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, ,651. 3, , ,. 5, , , , ,. UP , , ,

63 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 29 OCCUPATION : COMMERCIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND CUM (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m (n) (p) (q)/ (q) (r) (p)/(h) q/i d) ) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,43 12, , , ,39 18, , , , ,526 25, , , , , ,567 3, , , , , ,645 38, ,61.6 8, , , ,752 45, , , , , ,. 7,627 53, , , , , ,. 1,5. 5,75 58, , , , , ,5. 2,. 3,6 61, , , , , ,. 2,5. 1,679 63, , , , , ,5. 3,. 1,395 64, , , , , ,. 4,. 1,724 66, , , , , ,. 5,. 1,235 67, , , , , ,. 7,5. 1,64 69, , , , , ,5. 1,. 1,21 7, , , , , ,. 2,. 1,647 72, , , , , ,. 5,. 1,359 73, , , , , ,. 1, , , , , , ,. 5, , , , , , ,. UP 65 74, , , , ,

64 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 29 OCCUPATION : INDUSTRIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (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 BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND CU (d) (d)/ ( (f) (h) (i)/ (i) (j) (l) (m)/ (m (n) (p) (q)/ (q) (r) (p)/(h) M d) ) 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,. 1,274 9, , , , , ,. 5,. 1,427 1, , , , ,. 1, , , , , ,. 5, , , , , ,. UP 31 12, , ,123, ,

65 PT. Asuransi MAIPARK Indonesia UNDERWRITING YEAR : 29 OCCUPATION : RESIDENTIAL RISK & LOSS PROFILE As At 3/6/213 PROCESSING DATE 13/8/213 BAND (a) SUM INSURED (BAND) (in Million Rp) F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND 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) GROSS PREMIUM INCURRED CLAIM NUMBER OF RISKS (In Million Rp) CLAIM FREQUENCY (In Million Rp) LOSS RATIO (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) ,934 4, ,19 8, , , ,78 13, , , , , ,799 18, , , , , ,234 24, , , , , ,83 28, , , , , ,. 3,262 32, , , , , ,. 1,5. 2,99 35, , , , , ,5. 2,. 1,697 36, , , , , ,. 2, , , , , , ,5. 3, , , , , , ,. 4, , , , , , ,. 5,. 63 4, , , , ,. 7, , , , , ,5. 1, , , , , ,. 2, , , , , , ,. 5, , , , , ,. 1, , , , , ,. 5, , , , , ,. UP 36 42, , , ,

66 58

67 59

68 6

69 Damage Ratio Laporan ini memberikan informasi untuk pengembangan model vulnerability dari gempa bumi Yogyakarta 27 Mei 26 (27.5.6). Gempa bumi berkekuatan magnitude 6.3 mengguncang sisi selatan Pulau Jawa. Pusat gempa yang tidak jauh dari Pantai Parangtritis tentunya sangat terasa dengan MMI lebih dari skala V. Penyebab gempa bumi tersebut adalah aktivitas sesar mendatar berarah Barat Daya Timur Laut (BD-TL) yang dikenal Sesar Opak. Gempa Yogyakarta berpusat di E, 7.96 S, kedalaman dangkal hanya 17 km. Karena sumbernya dangkal maka goncangan sangat terasa dan menyebabkan banyak bangunan roboh. Gempa bumi ini berdampak langsung terhadap Provinsi Daerah Istimewa Yogyakarta (DIY) dan Provinsi Jawa Tengah. Kabupaten yang paling parah terkena bencana ini adalah Kabupaten Bantul dan Yogyakarta. Kerusakan yang besar akibat gempa bumi dipengaruhi oleh lokasi, karakteristik tanah, dan kualitas bangunan. Di wilayah sekitar Yogyakarta dan Bantul karakteristik tanahnya adalah endapan vulkanik yang rapuh, sehingga memungkinkan wilayah yang terkena dampak mudah dipicu oleh frekuensi gerakan tanah yang lebih dominan. Gerakan tanah pada umumnya diwakili This report provide information for development of vulnerability model due to Yogyakarta earthquake 27 May 26 (27.5.6). A 6.3-magnitude earthquake struck the southern side of the island of Java. The epicenter is not far from Parangtritis certainly felt with MMI scale over V. The cause of the earthquake is the result of the existence of Northeast Southwest (NE SW) trending strike slip fault activity as known as Opak fault. The Yogyakarta earthquake is a shallow depth earthquake with epicenter at E, 7.96 S and 17 km depth. Because of the source is shallow, therefore earthquake shaking is strong and cause many buildings collapsed. The earthquake directly affected the Provinces of Daerah Istimewa Yogyakarta (DIY) and Central Java. The districts which the worst affected by this earthquake were Bantul and Yogyakarta. The major damages affected by the location, soil characteristics, and quality of building construction. In the region around Yogyakarta and Bantul the soil characteristics is composes of fragile volcanic soil deposits, therefore it is possible that these region more easily triggered by the predominance of high frequency ground motions. The ground shaking usually represented by 61

70 oleh parameter MMI (Modified Mercally Intensity). Berdasarkan data klaim dari gempa bumi Yogyakarta, pada zona dengan MMI VIII: Probabilitas loss ratio 2% adalah sebesar 7,4% dari jumlah risiko, Probabilitas loss ratio 8% adalah sebesar 19,72% dari jumlah risiko. MMI (Modified Mercally Intensity). Based on claim from Yogyakarta Event, at zone with MMI VIII: the probability loss ratio 2% is equal to 7.4% from number of risk, the probability loss ratio 8% is equal to 19.72% from number of risk. Grafik Damage Ratio Damage Ratio Graph LOSS RATIO (%) MMI V VI VII VIII % 76.77% 72.44% 35.21% % 5.5% 7.23% 11.27% % 2.2% 8.48% 2.82% 2..% 6.6% 5.49% 7.4% 45..% 8.8% 4.99% 16.9% 8..% 1.1% 1.% 19.72% 1..% 1.1%.37% 7.4% MDF.7% 6.79% 4.97% 32.3% Tabel Mean Damage Factor 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 63

72 4.3 - Others 4 - DIY & Central Java 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