w w w. m a i p a r k. c o m

Transkripsi

1 w w w. m a i p a r k. c o m Hotel Ambacang, Gempa Bumi Padang, 3/9/29 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 Desember A. Umum... 1 B. Struktur Pasar... 1 C. Premi Bruto... 1 D. Jumlah Risiko... 3 E. Incurred Claim... 4 Exposure Asuransi Gempa Bumi Indonesia... Tabel 2.1. Exposure Per Cresta Zone... 9 Tabel 2.2. Exposure Per Okupasi Tabel 2.3. Exposure Per Interest Tabel 2.4. Exposure Per Provinsi Statistic Overview of Indonesian Earthquake Insurance December A. General... 1 B. Market Structure... 1 C. Gross Premium... 1 D. Number of Risk... 3 E. Incurred Claim... 4 Indonesian Earthquake Insurance Exposure... Table 2.1. Exposure By Cresta Zone... 9 Table 2.2. Exposure By Occupation Table 2.3. Exposure By Interest Table 2.4. Exposure By Province Premi Bruto Asuransi Gempa Bumi Indonesia.... Tabel 3.1. Gross Premium Per Cresta Zone Tabel 3.2. Gross Premium Per Okupasi Tabel 3.3. Gross Premium Per Provinsi... 2 Indonesian Earthquake Insurance Gross Premium... Table 3.1. Gross Premium By Cresta Zone Table 3.2. Gross Premium By Occupation Table 3.3. Gross Premium By Province... 2 Jumlah Risiko Asuransi Gempa Bumi Indonesia... Tabel 4.1. Jumlah Risiko Per Cresta Zone Tabel 4.2. Jumlah Risiko Per Okupasi Indonesian Earthquake Insurance Number of Risks... Table 4.1. Number of Risk By Cresta Zone Table 4.2. Number of Risk By Occupation Klaim Asuransi Gempa Bumi Indonesia... Tabel 5.1. Klaim Frekwensi Per Okupasi Tabel 5.2. Klaim Frekwensi Per Cresta Zone Tabel 5.3. Klaim Per Okupasi Tabel 5.4. Klaim Per Cresta Zone Indonesian Earthquake Insurance Claim... Table 5.1. Claim Frequency By Occupation Table 5.2. Claim Frequency By Cresta Zone Table 5.3. Claim By Occupation Table 5.4 Claim By Cresta Zone ii

4 Profil Risiko dan Klaim... Underwriting Year , Seluruh Okupasi Underwriting Year 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... 4 Okupasi Industrial Okupasi Residensial Risk and Loss Profile Underwriting Year 213 By Occupation.... Agricultural Occupation Commercial Occupation... 4 Industrial Occupation 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... 5 Risk and Loss Profile Underwriting Year 211 By Occupation.... Agricultural Occupation Commercial Occupation Industrial Occupation Residential Occupation... 5 Profil Risiko dan Klaim Underwriting Year 21 Per Okupasi... Okupasi Agrikultural Okupasi Komersial Okupasi Industrial Okupasi Residensial Risk and Loss Profile Underwriting Year 21 By Occupation.... Agricultural Occupation 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 31 Desember Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 213, per 31 Desember 213, Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred UY Map Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 213, as at 31 December Indonesian Earthquake Distribution M > 5 and Claim Incurred Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 213, as at 31 December 213, Indonesian Earthquake Distribution M > 5 and Claim Incurred 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..7 Damage Ratio 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 7 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 31 Desember Sesi Limit 2.1. Limit Sesi atas setiap risiko (any one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah sebagai berikut : Untuk daerah Jawa Barat, Banten dan DKI : 5% (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,5,. (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 29, 21, 211 dan % (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 25,,,. (dua puluh lima milyar Rupiah) atau yang setara dengan USD 2,631,578. (dua juta enam ratus tiga puluh satu lima ratus tujuh puluh delapan Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis 1. Statistic Report is based on Underwriting Year basis, which is recorded as at 31 December Cession Limit 2.1. Cession Limit of any one risk for the combined material damage and business interruption are as follows : For West Java, Banten and DKI: 5% (five percent) of the total sum insured, being a maximum of USD 2,5,. (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 29, 21, 211 and % (five percent) of the total sum insured, being a maximum of Rp.25,,,. (twenty five billion Indonesian Rupiahs) or equal to USD 2,631,578. (two million six hundred thirty one thousand five hundred seventy eight U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 213. v

7 Untuk Underwriting Year Untuk daerah Indonesia lainnya : 25% (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,5,. (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 29, 21, 211 dan % (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 25,,,. (dua puluh lima milyar Rupiah) atau yang setara dengan USD 2,631,578. (dua juta enam ratus tiga puluh satu lima ratus tujuh puluh delapan Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 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 For other Indonesia areas : 25% (twenty five percent) of the total sum insured, being a maximum of USD 2,5,. (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 29, 21, 211 and % (twenty five percent) of the total sum insured, being a maximum of Rp.25,,,. (twenty five billion Indonesian Rupiahs) or equal to USD 2,631,578. (two million six hundred thirty one thousand five hundred seventy eight U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 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. vi

8 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). vii

9 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. viii

10 Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Desember 213 Statistic Overview of Indonesia Earthquake Insurance December 213 A. Umum Berdasarkan data Badan Pusat Statistik, Perekonomian Indonesia pada tahun 213 sebagaimana diukur dari Pendapatan Domestik Bruto (PDB), tumbuh sebesar 5,78% dibandingkan tahun 212. Nilai Produk Domestik Bruto (PDB) Indonesia atas dasar harga konstan 2 pada tahun 213 mencapai Rp. 2.77,3 triliun sedangkan pada tahun 212 sebesar Rp ,9 triliun. Bila dilihat berdasarkan harga berlaku, PDB tahun 213 adalah sebesar Rp. 9.84, triliun sedangkan tahun 212 adalah Rp ,4 triliun. A. General Based on Central of Statistics Bureau Data, Indonesian economic in 213 as measured by Gross Domestic Product (GDP) increased by 5.78% compared with 212. Gross Domestic Product (GDP) based on Constant Price 2 in 213 reached the amount of Rp. 2,77.3 trillion while in 212 was Rp. 2,618.9 trillion. If it is based on Current Market Price, GDP in 213 was Rp. 9,84. trillion while in 212 was Rp. 8,229.4 trillion. B. Struktur Pasar Berdasarkan data Otoritas Jasa Keuangan pada buku Direktori Perasuransian Indonesia 213: Industri Keuangan Non Bank Perasuransian, terdapat 82 perusahaan asuransi umum yang memiliki izin beroperasi di Indonesia. B. Market Structure Based on Financial Services Authority data in the book of Indonesian Insurance Directory 213: Non Bank Financial Institution Insurance, there are 82 general insurers having operating licenses in Indonesia. C. Premi Bruto Sampai dengan 31 Desember 213, premi bruto asuransi gempa bumi Underwriting Year 29 adalah sebesar Rp.1.781,2 miliar. Premi bruto untuk Underwriting Year 21 tercatat C. Gross Premium As at 31 December 213, earthquake gross premium for Underwriting Year 29 was Rp. 1,781.2 billion. Gross premium for Underwriting Year 21 was recorded 1

11 Rp , miliar, sedangkan untuk Underwriting Year 211 adalah Rp ,5 miliar. Untuk Underwriting Year 212 dan 213 adalah Rp ,7 miliar dan Rp ,6 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 6% 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 59,1% dari Rp ,78 juta di Underwriting Year 29 menjadi Rp ,91 juta. Rp. 2,117. billion, while for Underwriting Year 211 was Rp. 2,813.5 billion. For Underwriting Year 212 and 213 were Rp. 2,637.7 billion and Rp. 2,253.6 billion. These figures would certainly increase especially for Underwriting Year 212 and 213. The table 1.1 below shows 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 6% 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 59.1% from Rp. 13,95.78 million in Underwriting Year 29 to Rp. 2, million. Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 31 Desember 213 Table 1.1 Gross Premium and Ratio By Occupation as at 31 December 213 Dalam Jutaan Rupiah In Million Rupiah Underwriting Okupasi Agrikultural / Agricultural Total 29 13, % 47, % 1,124, % 235, % 1,781, , % 434, % 1,298, % 363, % 2,116, , % 751, % 1,695, % 342, % 2,813, , % 639, % 1,623, % 345, % 2,637, , % 516, % 1,419, % 291, % 2,253, T O T A L 113, ,75, ,16, ,578, ,62,

12 D. Jumlah Risiko Tabel 1.2 di bawah ini menyajikan jumlah risiko pada Underwriting Year 29 hingga Underwriting Year 213 yang tercatat sampai dengan 31 Desember 213. D. Number of Risks Table 1.2 below shows the number of risks from Underwriting Year 29 to Underwriting Year 213 recorded until 31 December 213. Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 31 Desember 213 Table 1.2 Number of Risk By Occupation as at 31 December 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 31 Desember 213 Graph 1.1 Number of Risks by Occupation as at 31 December 213 Industrial, 12,934 Residential, 59,127 Agricultural, 379 Commercial, 74,46 Commercial, 83,9 Industrial, 13,867 Commercial, 91,395 Residential, 42,755 Industrial, 14,995 Agricultural, 252 UY 29 Agricultural, 441 Residential, 67,166 UY 211 Industrial, 12,765 Commercial, 94,22 UY 21 Industrial, 16,252 Commercial, 64,217 Residential, 49,326 Residential, 6,972 Agricultural, 42 UY 212 UY 213 Agricultural, 333 3

13 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 977 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 1,862 claims and it dominated by Commercial occupation of 977 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

14 Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 31 Desember 213 Table 1.3 Claim Frequency By Occupation as at 31 December 213 Okupasi Occupation Underwriting Year Agrikultural / Agricultural A 27 Komersial / Commercial C Industrial / Industrial I 23 1 Residensial / Residential R Jumlah / Total 1, Berdasarkan Tabel 1.4 dan grafik di bawah ini terlihat bahwa untuk frekwensi klaim tinggi berada pada Total Incurred Claim yang relative kecil, sedangkan untuk frekwensi klaim kecil berada pada Total Incurred Claim yang relative besar. Based on table 1.4 and graph below it can be seen that the high frequency claims lies in relatively small Total Claim Incurred, while low frequency claims lies in relatively big Total Claim Incurred. Tabel 1.4 Frekwensi Incurred Claim Underwriting Year 29 Per 31 Desember 213 Table 1.4 Frequency Incurred Claim Underwriting Year 29 as at 31 December 213 Incurred Claim (BAND) *) Claim Incurred (BAND)*) *) Dalam Jutaan Rupiah *) In Million Rupiah Frekwensi Total Incurred Claim Rata-rata Incurred Claim Incurred Claim Tertinggi Inccured Claim Terendah Frequency Total Claim Incurred Average Claim Incurred Highest Claim Incurred Lowest Claim Incurred kurang dari 5 1,149 18,274,888, ,95, ,973, , ,226,95, ,246, ,786,477. 5,, ,27,978, ,39, ,44,5. 1,912, ,591,11, ,211, ,679, ,588, ,174,69, ,211, ,75,. 31,198, ,168,967, ,651, ,484, ,519, , 27 23,621,1, ,851, ,65,6. 756,52, , - 1, ,814,587, ,216,56, ,471,735,. 1,41,2,385. 1,5-2, 14 24,838,228,152. 1,774,159, ,99,42,. 1,538,4,. 2, - 2, ,278,652,64. 2,27,15, ,492,91,91. 2,3,65,837. 2,5-3, 8 21,246,271, ,655,783, ,974,627,395. 2,58,55,78.9 3, - 4, 7 24,136,466,947. 3,448,66, ,944,841,384. 3,127,571,328. 4, - 5, 2 9,322,95, ,661,475, ,717,455, ,65,495,137. 5, - 7,5 6 35,818,67, ,969,778, ,18,465, ,34,35, ,5-1, 6 55,193,829, ,198,971, ,929,141,985. 8,523,155,725. 1, - 2, 3 41,485,782,11. 13,828,594, ,273,4,68. 1,662,179,31. 2, - 5, 5 175,867,155, ,173,431,3.8 42,846,436,4. 23,381,63,15. 5, - 1,.... 1, - 5, 2 375,172,744, ,586,372, ,733,718,8. 131,439,25,987. 5, - up.... Total 1,862 99,44,72,43 5

15 Dengan melihat tabel 1.5 tampak bahwa jumlah klaim terbesar juga berada pada Underwriting Year 29. Klaim yang terbesar adalah pada okupasi Komersial, yaitu 91,35% dari total klaim di Underwriting Year 29 atau sebesar Rp. 94,7 miliar. Looking at table 1.5 below, it shows that the largest claim is also in the Underwriting Year 29. The largest claim is under Commercial occupation that is 91.35% of the total claim in Underwriting Year 29 or Rp billion. Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 31 Desember 213 Table 1.5 Claim Amount By Occupation as at 31 December 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 94,718,59, ,365,682, ,3,661, ,356,896, ,,.. Industrial / Industrial I 4,423,722, ,224, Residensial / Residential R 67,175,942, ,785, ,983, ,, ,436,.. Jumlah / Total 99,44,72, ,517,692, ,673,644, ,56,896, ,436,.. Tabel 1.6 di bawah ini menyajikan kejadian Gempa Bumi Tahun 213 dan Incurred Claim sampai dengan 31 Desember 213. Table 1.6 below shows earthquake events occurred in 213 and the corresponding incurred claims as at 31 December

16 Tabel 1.6 Kejadian Gempa Bumi Tahun 213 dan Klaim per 31 Desember 213 Table 1.6 Earthquake Event in 213 and Claim as at 31 December 213 Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Event Date of Loss Magnitude (S.R) Klaim Claim Dalam Rupiah In Rupiah Aceh 22 January ,717,4 Ciamis 13 June ,665,5 Banda Aceh 2 July ,122,693,5 Jambi 28 August ,, Tabel 1.7 di bawah ini menyajikan klaim Gempa Bumi Aceh, Ciamis, Banda Aceh dan Jambi perjenis okupasi. Table 1.7 shows Aceh, Ciamis, Banda Aceh and Jambi Earthquake by occupation. Tabel 1.7 Kejadian Gempa Bumi Tahun 213 dan Klaim per Okupasi per 31 Desember 213 Table 1.7 Earthquake Event in 213 and Claim per Occupation as at 31 December 213 Okupasi Occupation Kejadian Event Tanggal Kejadian Date of Loss Frekwensi Frequancy Agrikultural / Komersial / Industrial / Residensial / Agricultural Commercial Industrial Residential Agrikultural / Agricultural Jumlah (Dalam Rupiah) Amount (In Rupiah) Komersial / Industrial / Commercial Industrial Residensial / Residential Aceh 22-Jan ,717,4... Ciamis 13-Jun ,665,5... Banda Aceh 2-Jul ,11,257,5.. 12,436,. Jambi 28-Aug ,,. Tabel di bawah ini adalah daftar klaim terbesar sampai dengan tanggal 31 Desember 213. The table below is a list of the largest claims as at 31 December 213. Daftar Klaim - Klaim Terbesar Posisi 31 Desember 213 List of The Largest Claims as at 31 December 213 No. Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Klaim Event Date of Loss Magnitude (S.R) Claim Dalam Rupiah In Rupiah 1 ACEH ,48,717, YOGYA ,11,919, PADANG ,579,16, BENGKULU ,21,67, PEKAT ,931,86, PADANG ,969,561,63. 7 TASIKMALAYA ,14,719, PARIAMAN ,15,817,329, BIMA ,74,765, MERAPI *) 27,25,841,156.4 *) Penyebab terkait letusan gunung berapi Caused by volcanic eruption 7

17 Tabel 1.8 menyajikan data jumlah polis dan loss ratio per 31 Desember 213. Tabel tersebut menunjukkan bahwa loss ratio tertinggi berada pada Underwriting Year 29 sebesar 55,61%. Hal ini dipengaruhi oleh nilai klaim yang cukup tinggi yang mayoritas disebabkan dari gempa Pariaman dan gempa Table 1.8 shows number of policies, and loss ratio as at 31 December 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 29. Tasikmalaya tahun 29. Tabel 1.8 Jumlah Polis dan Loss Ratio per 31 Desember 213 Table 1.8 Number of Policies and Loss Ratio as at 31 December 213 Underwriting Jumlah Polis Premi *) Frekwensi Klaim Jumlah Klaim *) Year Number of Policies Premium *) Claim Frequency Incurred Claim *) Loss Ratio ,71 1,781,183,652, ,862 99,44,72, % ,352 2,116,995,38, ,517,692, % ,296 2,813,521,192, ,673,644, % ,378 2,637,692,249, ,56,896, % ,62 2,253,581,667, ,436,..1% Keterangan : *) Dalam Rupiah In Rupiah Tabel 1.9 menyajikan Premi dan Exposure per 31 Desember 213. Table 1.9 shows Premium and Exposure as at 31 December 213. Tabel 1.9 Premi dan Exposure per 31 Desember 213 Table 1.9 Premium and Exposure as at 31 December 213 Premi Underwriting Year Premium Dalam Jutaan Rupiah In Million Rupiah Exposure Exposure 29 1,781, ,498,172, ,116, ,671,797, ,813, ,149,134, ,637, ,93,793, ,253, ,49,91,

18 National Aggregate Exposure By Cresta Zone As At 31/12/213 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 1,147,969,62, ,496,644,44, ,68,961,565, ,825,811,548, ,921,24, MEDAN ,165,87,33, ,916,55,753, ,3,483,279, ,329,17,63, ,585,34,21, OTHERS ,353,562,776, ,119,43,411, ,984,829,133, ,183,977,199, ,295,758,952, NORTH SUMATERA 1 63,666,619,43, ,532,238,29, ,894,273,977, ,338,896,379, ,863,984,43, PADANG ,28,79,37, ,592,594,782, ,927,831,157, ,421,862,418, ,669,956,454, PALEMBANG ,95,38,994, ,447,45,22, ,166,937,585, ,928,972,224, ,71,93,94, OTHERS ,71,512,373, ,873,73,283, ,382,77,164, ,69,75,3, ,381,764,713, SOUTH SUMATERA 2 159,834,53,675, ,913,343,269, ,477,475,96, ,959,99,673, ,752,815,18, JAKARTA ,68,587,371, ,77,44,796, ,814,473,55, ,75,75,974, ,45,393,279, BANDUNG 3.2 7,356,31,993, ,935,57,412, ,786,912,562, ,944,195,73, ,997,317,914, OTHERS ,777,788,937, ,991,668,85, ,174,687,261, ,952,473,788, ,779,547,246, WEST JAVA 3 739,742,687,32, ,697,284,59, ,75,776,72,88, ,53,647,42,493, ,822,258,44, SEMARANG 4.1 1,326,73,828, ,367,214,2, ,547,169,388, ,998,183,336, ,258,715,4, YOGYAKARTA 4.2 8,512,796,192, ,31,49,769, ,27,395,226, ,298,79,189, ,881,524,541, OTHERS ,83,312,316, ,368,748,65, ,82,457,729, ,945,22,159, ,199,895,384, CENTRAL JAVA 4 86,642,839,337, ,767,12,575, ,575,22,344, ,241,914,685, ,34,134,929, SURABAYA ,526,615,979, ,848,731,261, ,37,42,599, ,532,585,74, ,214,275,895, OTHERS ,847,389,83, ,484,659,5, ,81,4,239, ,387,581,69, ,334,882,646, EAST JAVA 5 269,374,5,81, ,333,39,311, ,117,82,839, ,92,167,431, ,549,158,541, KALIMANTAN 6 81,276,521,181, ,3,358,445, ,855,231,852, ,882,96,624, ,375,671,419, UJUNG PANDANG ,9,64,695, ,852,259,33, ,434,187,846, ,598,165,57, ,86,632,34, OTHERS ,64,745,63, ,892,19,819, ,654,43,769, ,36,98,652, ,969,456,59, SULAWESI 7 48,614,349,758, ,744,369,149, ,88,591,615, ,95,73,79, ,56,88,94, OTHER ISLANDS 8 49,21,5,865, ,59,17,759, ,35,726,937, ,897,862,269, ,15,38,165, T O T A L 1,498,172,64,363, ,671,797,166,778, ,149,134,478,353, ,93,793,341,266, ,49,91,419,14,

19 National Aggregate Exposure By Cresta Zone As at 31 December 213 (In Billion IDR) 86, , , , , , , ,75, , , , , , , , , , , , , , UY 29 49,59.17 UY , , UY 21 North Sumatera 117, ,34.13 South Sumatera West Java 275, , , Central Java East Java 1,53, , , Kalimantan 33,56.9 Sulawesi 64, , , , , , Other Islands 171, UY 212 UY 213 1

20 National Aggregate Exposure By Occupation As At 31/12/213 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 11,544,28,397, ,597,981,439, ,14,19,366, ,63,439,857, ,25,617,641, COMMERCIAL C 327,937,5,195, ,289,421,31, ,796,228,11, ,129,64,687, ,547,131,724, INDUSTRIAL I 983,266,546,65, ,67,47,549,755, ,357,537,625,98, ,228,55,689,568, ,288,199,5, RESIDENTIAL R 175,425,24,12, ,52,214,281, ,66,514,95, ,554,571,153, ,824,47,236, T O T A L 1,498,172,64,363, ,671,797,166,778, ,149,134,478,353, ,93,793,341,266, ,49,91,419,14,

21 National Aggregate Exposure By Occupation As at 31 December 213 ( In Billion IDR ) Industrial, 983, Residential, 175,425.2 Commercial, 538, Industrial, 1,357, Industrial, 1,67,47.55 Commercial, 327,937.1 Agricultural, 11,544.3 Agricultural, 2,14.11 Residential, 232,66.51 UY 29 Commercial, 314, Agricultural, 17, Residential, 272,52.21 UY 211 Industrial, 1,228,55.69 Residential, 229, UY 21 Industrial, 936,288.2 Commercial, 345, Commercial, 449, Agricultural, 23,63.44 Agricultural, 19,25.62 UY 212 Residential, 189, UY

22 National Aggregate Exposure By Interest As At 31/12/213 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 714,18,329,452, ,353,943,252, ,986,268,434, ,58,7,47, ,13,63,252, Machinery 295,613,718,228, ,184,959,588, ,897,927,718, ,75,612,476, ,748,182,356, Others 192,475,556,891, ,213,872,12, ,972,852,718, ,881,1,311, ,1,34,834, Stock 164,457,61,4, ,191,496,939, ,224,73,862, ,453,73,617, ,54,386,415, Bussiness Interruption 131,67,389,786, ,852,894,878, ,52,725,619, ,172,944,39, ,418,482,244, T O T A L 1,498,172,64,363, ,671,797,166,778, ,149,134,478,353, ,93,793,341,266, ,49,91,419,14,

23 National Aggregate Exposure Year By Interest As at 31 Dec 213 ( In Billion IDR ) 1,, 9, 8, 7, 6, 5, Building Machinery Stock Others Business Interruption 4, 3, 2, 1, UY 29 UY 21 UY 211 UY 212 UY

24 National Aggregate Exposure By Province As At 31/12/213 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 2,122,192,68, ,17,129,711, ,532,63,567, ,274,93,774, ,757,445,659, SUMATERA UTARA 61,544,426,821, ,515,18,498, ,361,67,41, ,63,992,65, ,16,538,744, SUMATERA BARAT 52,34,74,32, ,413,73,192, ,79,822,132, ,38,724,721, ,148,736,563, RIAU 23,632,348,436, ,775,279,641, ,753,443,243, ,45,941,724, ,83,718,97, JAMBI 4,36,397,91, ,229,365,51, ,148,51,638, ,648,651,946, ,72,417,831, SUMATERA SELATAN 34,446,822,226, ,96,239,822, ,249,511,522, ,62,49,954, ,533,613,932, BENGKULU 2,828,26,196, ,9,187,981, ,62,453,717, ,421,351,54, ,625,668,794, LAMPUNG 22,287,95,856, ,664,884,556, ,466,542,87, ,843,463,546, ,99,298,926, KEP BANGKA-BELITUNG 24,26,716,187, ,336,58,21, ,44,812,785, ,939,954,922, ,811,28,41, KEPULAUAN RIAU 36,744,767,794, ,498,254,822, ,672,378,996, ,77,411,354, ,137,79,75, JAKARTA 28,8,571,412, ,77,44,796, ,814,473,55, ,75,75,974, ,45,393,279, JAWA BARAT 273,84,9,67, ,889,42,257, ,93,115,744, ,895,76,769, ,123,93,681, JAWA TENGAH 76,554,822,72, ,286,66,186, ,739,479,99, ,76,759,792, ,3,876,2, DIY 9,468,672,538, ,48,946,388, ,835,542,434, ,535,154,892, ,39,258,729, JAWA TIMUR 266,545,519,83, ,333,39,311, ,117,82,839, ,92,167,431, ,549,158,541, BANTEN 15,867,526,85, ,37,837,5, ,58,484,8, ,,98,749, ,652,961,479, BALI 4,366,53,939, ,388,452,49, ,334,326,311, ,173,259,877, ,235,63,253, NUSA TENGGARA BARAT 3,492,479,571, ,914,41,771, ,78,64,899, ,89,227,696, ,146,631,72, NUSA TENGGARA TIMUR 75,869,736, ,786,991, ,617,483,32, ,86,187,5, ,311,773,975, KALIMANTAN BARAT 4,213,62,487, ,184,375,74, ,929,74,391, ,41,674,891, ,95,26,353, KALIMANTAN TENGAH 3,432,721,226, ,728,678,849, ,227,29,133, ,763,771,657, ,7,221,731, KALIMANTAN SELATAN 14,449,667,226, ,511,411,75, ,153,22,447, ,468,17,371, ,562,928,34, KALIMANTAN TIMUR 56,74,31,371, ,875,892,184, ,545,727,879, ,68,542,74, ,855,315,3, SULAWESI UTARA 7,141,37,58, ,854,635,63, ,479,153,699, ,21,851,937, ,297,18,211, SULAWESI TENGAH 1,191,617,762, ,344,987,489, ,237,761,75, ,84,727,957, ,177,636,852, SULAWESI SELATAN 2,42,311,918, ,692,942,23, ,52,592,637, ,72,766,741, ,515,241,414, SULAWESI TENGGARA 8,62,447,929, ,974,413,466, ,116,259,975, ,611,64,92, ,39,633,938, GORONTALO 1,915,43,441, ,14,67,866, ,799,88,49, ,153,833,9, ,525,478, SULAWESI BARAT 545,524,153, ,862,719,673, ,16,177, ,123,829,889, ,195,942,199, MALUKU 524,86,278, ,192,17, ,12,162,473, ,285,59,696, ,114,925,169, MALUKU UTARA 439,777,819, ,793,359, ,254,266, ,91,487, ,259,81, PAPUA BARAT 2,7,854,855, ,739,199,1, ,183,436,883, ,256,365,21, ,484,313,874, PAPUA 1,769,325,862, ,213,345,3, ,525,999,71, ,537,14,258, ,534,774,737, T O T A L 1,498,172,64,363, ,671,797,166,778, ,149,134,478,353, ,93,793,341,266, ,49,91,419,14,

25 National Gross Premium By Cresta Zone As At 31/12/213 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 1,417,72, ,52,652, ,255,283, ,222,634, ,876,125, MEDAN ,185,282, ,694,856, ,49,517, ,862,458, ,47,35, OTHERS ,113,178, ,33,28, ,714,846, ,391,674, ,21,393, NORTH SUMATERA 1 77,715,533, ,5,717, ,379,647, ,476,767, ,367,554, PADANG ,219,858, ,787,18, ,672,218, ,718,172, ,255,964, PALEMBANG 2.2 2,557,55, ,39,74, ,17,766, ,745,23, ,272,615, OTHERS ,746,518, ,79,148, ,225,529, ,58,74, ,446,615, SOUTH SUMATERA 2 183,523,882, ,967,871, ,68,514, ,43,269, ,975,195, JAKARTA ,661,764, ,838,945, ,294,749, ,496,337, ,639,34, BANDUNG 3.2 9,459,548, ,241,42, ,925,855, ,346,322, ,253,434, OTHERS ,396,344, ,819,138, ,881,258, ,626,192, ,873,34, WEST JAVA 3 88,517,657, ,22,899,125, ,512,11,863, ,547,468,852, ,361,766,79, SEMARANG 4.1 1,63,75, ,636,48, ,986,696, ,672,78, ,776,899, YOGYAKARTA ,355,54, ,9,93, ,36,87, ,158,56, ,58,87, OTHERS ,892,991, ,914,369, ,336,964, ,917,963, ,426,84, CENTRAL JAVA 4 15,878,68, ,559,942, ,629,748, ,749,34, ,262,51, SURABAYA ,65,479, ,165,624, ,736,921, ,315,389, ,327,888, OTHERS ,592,857, ,291,433, ,797,37, ,794,873, ,49,617, EAST JAVA 5 317,198,337, ,457,58, ,534,291, ,11,262, ,737,56, KALIMANTAN 6 95,3,197, ,421,769, ,47,997, ,281,731, ,267,873, UJUNG PANDANG ,784,66, ,854,97, ,472,89, ,18,538, ,45,389, OTHERS ,867,83, ,397,86, ,76,84, ,397,545, ,972,531, SULAWESI 7 61,652,491, ,251,957, ,178,894, ,578,83, ,17,921, OTHER ISLANDS 8 59,693,943, ,386,595, ,22,234, ,983,978, ,187,25, T O T A L 1,781,183,652, ,116,995,38, ,813,521,192, ,637,692,249, ,253,581,667,

26 National Gross Premium By Cresta Zone As at 31 December 213 (in Billion IDR) , , UY UY UY , North Sumatera South Sumatera West Java Central Java East Java Kalimantan Sulawesi , Other Islands UY 212 UY

27 National Gross Premium By Occupation As At 31/12/213 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 13,95,781, ,834,99, ,859,568, ,495,8, ,89,418, COMMERCIAL C 47,938,463, ,873,33, ,463,85, ,792,774, ,779,372, INDUSTRIAL I 1,124,194,92, ,298,122,18, ,695,522,78, ,623,31,316, ,419,749,972, RESIDENTIAL R 235,955,314, ,164,87, ,674,992, ,13,78, ,242,93, T O T A L 1,781,183,652, ,116,995,38, ,813,521,192, ,637,692,249, ,253,581,667,

28 National Gross Premium By Occupation As at 31 December 213 ( In Billion IDR ) Industrial, 1, Residential, Industrial, 1, Agricultural, 13.1 Industrial, 1, Commercial, Commercial, Commercial, Agricultural, Residential, UY 29 UY 211 Agricultural, 2.83 Residential, UY 21 Industrial, 1,623.3 Residential, Industrial, 1, Commercial, Agricultural, 29.5 Agricultural, UY 212 Commercial, Residential, UY

29 National Gross Premium By Province As At 31/12/213 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 2,591,765, ,936,91, ,28,467, ,41,246, ,956,884, SUMATERA UTARA 75,123,767, ,113,87, ,99,18, ,75,52, ,41,67, SUMATERA BARAT 62,6,943, ,346,22, ,282,734, ,281,549, ,222,616, RIAU 25,275,41, ,33,277, ,867,966, ,94,883, ,27,277, JAMBI 4,733,48, ,242,221, ,974,559, ,496,45, ,665,595, SUMATERA SELATAN 39,7,73, ,288,977, ,94,591, ,253,613, ,227,956, BENGKULU 3,811,97, ,474,897, ,259,94, ,223,728, ,363,311, LAMPUNG 27,231,99, ,692,71, ,148,75, ,248,158, ,317,257, KEP BANGKA-BELITUNG 33,963,269, ,953,443, ,657,7, ,548,51, ,762,437, KEPULAUAN RIAU 44,368,542, ,936,141, ,784,485, ,86,383, ,145,743, JAKARTA 36,186,874, ,838,945, ,294,749, ,496,337, ,639,34, JAWA BARAT 293,728,343, ,487,559, ,718,93, ,559,248, ,649,454, JAWA TENGAH 92,724,661, ,521,61, ,91,8, ,256,99, ,68,612, DIY 12,527,425, ,38,341, ,727,947, ,492,313, ,193,898, JAWA TIMUR 313,441,677, ,457,58, ,534,291, ,11,262, ,737,56, BANTEN 177,92,137, ,572,621, ,88,21, ,413,266, ,477,32, BALI 49,23,866, ,63,13, ,432,623, ,17,616, ,346,52, NUSA TENGGARA BARAT 4,255,189, ,439,481, ,154,888, ,37,283, ,288,758, NUSA TENGGARA TIMUR 91,23, ,281,77, ,433,951, ,22,5, ,1,962, KALIMANTAN BARAT 4,551,482, ,715,242, ,39,986, ,339,149, ,782,359, KALIMANTAN TENGAH 3,653,87, ,891,393, ,275,536, ,645,69, ,39,444, KALIMANTAN SELATAN 17,252,583, ,861,818, ,764,41, ,158,371, ,665,512, KALIMANTAN TIMUR 66,331,279, ,953,314, ,328,433, ,139,141, ,78,556, SULAWESI UTARA 9,258,666, ,784,2, ,734,111, ,43,73, ,745,313, SULAWESI TENGAH 1,457,246, ,4,618, ,458,457, ,283,776, ,927,754, SULAWESI SELATAN 24,33,27, ,315,74, ,628,172, ,72,712, ,41,52, SULAWESI TENGGARA 9,776,949, ,176,342, ,521,97, ,78,974, ,562,933, GORONTALO 16,153,816, ,35,444, ,429,715, ,65,752, ,587,65, SULAWESI BARAT 656,394, ,666,457, ,46,53, ,683,136, ,793,334, MALUKU 667,125, ,748,451, ,761,141, ,343,181, ,86,553, MALUKU UTARA 553,227, ,16, ,55,412, ,319,287, ,731, PAPUA BARAT 2,375,824, ,543,62, ,162,82, ,363,849, ,341,778, PAPUA 2,16,275, ,574,834, ,22,134, ,7,78, ,416,738, T O T A L 1,781,183,652, ,116,995,38, ,813,521,192, ,637,692,249, ,253,581,667,

30 Number Of Risk By Cresta Zone As At 31/12/213 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 5,178 5,664 5,776 5,97 4,728 OTHERS 1.3 3,38 5,147 4,49 4,576 2,714 NORTH SUMATERA 1 9,15 11,445 1,783 11,13 7,885 PADANG 2.1 4,24 8,363 9,866 1,567 8,2 PALEMBANG 2.2 1,62 1,613 1,44 1,59 1,214 OTHERS ,986 17,28 16,559 17,231 11,561 SOUTH SUMATERA 2 17,828 27,4 27,865 29,37 2,795 JAKARTA ,47 35,144 38,63 36,113 35,295 BANDUNG 3.2 1,323 1,684 1,146 1,986 1,373 OTHERS ,928 34,73 34,81 36,366 23,224 WEST JAVA 3 6,658 71,558 73,857 74,465 59,892 SEMARANG YOGYAKARTA 4.2 2,177 2,468 2,155 2,297 1,54 OTHERS 4.3 8,841 1,54 9,711 1,241 6,485 CENTRAL JAVA 4 11,482 13,387 12,535 13,339 8,595 SURABAYA 5.1 5,16 6,32 6,62 6,163 4,177 OTHERS 5.2 6,631 7,829 7,287 7,696 4,918 EAST JAVA 5 11,791 13,861 13,349 13,859 9,95 KALIMANTAN 6 4,775 7,2 5,726 7,559 4,989 UJUNG PANDANG 7.1 1,451 1,737 1,851 1,887 1,29 OTHERS 7.2 3,753 6,43 7,24 6,155 4,143 SULAWESI 7 5,24 8,14 8,875 8,42 5,352 OTHER ISLANDS 8 9,54 12,167 12,96 14,163 1,38 T O T A L 13, , , , ,641 21

31 22

32 Number Of Risk By Occupation As At 31/12/213 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, , , , ,

33 Number of Risk By Occupation As at 31 December 213 Industrial, 12,934 Residential, 59,127 Agricultural, 379 Commercial, 74,46 Commercial, 83,9 Industrial, 13,867 Commercial, 91,395 Residential, 42,755 Industrial, 14,995 Agricultural, 252 UY 29 Agricultural, 441 Residential, 67,166 UY 211 Industrial, 12,765 Commercial, 94,22 UY 21 Industrial, 16,252 Commercial, 64,217 Residential, 49,326 Residential, 6,972 Agricultural, 42 UY 212 UY 213 Agricultural,

34 Claim Frequency by Occupation As At 31/12/213 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,

35 26

36 Claim Frequency by Cresta Zone As At 31/12/213 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 1,595 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,

37 28

38 Claim by Occupation As At 31/12/213 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 94,718,59, ,365,682, ,3,661, ,356,896, ,, INDUSTRIAL I 4,423,722, ,224, RESIDENTIAL R 67,175,942, ,785, ,983, ,, ,436, T O T A L 99,44,72, ,517,692, ,673,644, ,56,896, ,436,

39 Commercial 91.35% Claim By Occupation As at 31 December 213 Commercial 96.14% Commercial 97.35% Industrial.45% Agricultural.% Agricultural 1.43% UY 29 Residential 6.78% Agricultural.% Residential.9% Industrial 1.75% Residential 3.86% Industrial.% UY 211 Commercial 94.2% Commercial UY % Industrial.% Residential 58.75% Agricultural.% Residential 5.98% Industrial.% Agricultural.% UY 213 UY 212 3

40 Claim by Cresta Zone As At 31/12/213 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, ,965, ,583,593, ,733,974, ,, MEDAN ,388, ,115, ,936, OTHERS ,855,792, ,822, ,469, NORTH SUMATERA 1 43,49,422, ,176, ,828,178, ,748,911, ,, PADANG ,22,947, ,39, PALEMBANG OTHERS ,752, ,,..2 1,445,841, ,, ,, SOUTH SUMATERA 2 878,84,699, ,,..2 1,51,231, ,, ,, JAKARTA 3.1 1,97,873, ,58,..1 6,, BANDUNG ,824,86, ,353, OTHERS 3.3 5,6,914, ,327, ,1, ,13, WEST JAVA 3 23,793,648, ,835, ,453, ,13, SEMARANG YOGYAKARTA ,57, ,159,54, OTHERS 4.3 9,854,25.. 4,49,914, CENTRAL JAVA 4 181,362, ,28,969, SURABAYA OTHERS ,8, EAST JAVA ,8, KALIMANTAN UJUNG PANDANG ,224, OTHERS ,491, ,,..3 75,371, SULAWESI ,716, ,,..3 75,371, OTHER ISLANDS 8 44,133,939, ,71,986, ,13,78, ,51, ,436, T O T A L 99,44,72, ,517,692, ,673,644, ,56,896, ,436,

41 South Sumatera, 878,84.7 Claim By Cresta Zone As at 31 December 213 ( In Million IDR ) South Sumatera, 1,51.23 West Java, Central Java, 34,28.97 North Sumatera, 7, Central Java,. East Java,. Kalimantan,. Sulawesi, 5. West Java, 23, North Sumatera, 43,49.42 Other Islands, 44, Sulawesi,. Central Java, East Java,. Kalimantan,. UY 29 West Java, North Sumatera, South Sumatera, Other Islands, 7,71.99 East Java, 46.1 Kalimantan,. Sulawesi, UY 211 Other Islands, 7,13.78 West Java, 53.1 Sulawesi, Kalimantan,. Other Islands, East Java,. Central Java,. UY 21 North Sumatera South Sumatera, 83. West Java,. Central Java,. East Java,. Kalimantan,. Sulawesi,. South Sumatera South Sumatera, 5. West Java Central Java East Java North Sumatera, 1, Kalimantan Sulawesi Other Islands North Sumatera, 21. Other Islands, UY 212 UY

42 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : As At 31/12/213 OCCUPATION : ALL PROCESSING DATE 7/2/214 BAND (a) SUM INSURED (BAND) (in Million Rp) NUMBER OF RISKS GROSS PREMIUM (In Million Rp) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (b) (c) (d) (e) (f) LOSS RATIO BAND (p)/(h) PERCENTAGE (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) CUM q/i ,767 82, ,76.3 3, , , ,12 142, , , , , ,8 228, , , , , , , , , , , ,41 373, , , , , , ,33 439, , , , , , ,. 62,769 52, , , , , , ,. 1,5. 59,83 561, , , , , , ,5. 2,. 33, , , , , , , ,. 2,5. 2, , , , , , , ,5. 3,. 16, , , , , , , ,. 4,. 2, , , , , , , ,. 5,. 14, , , , , , , ,. 7,5. 2,88 688, , , , , , ,5. 1,. 13,116 71, , ,7, , , , ,. 2,. 2, , , ,477, , , , ,. 5,. 17, , , ,222, , , , ,. 1,. 8, , , ,14, , , , ,. 5,. 8, , ,432, ,447, , , , ,. UP 2, , ,155, ,62, , , ,53,

43 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 213 As At 31/12/213 OCCUPATION : ALL PROCESSING DATE 7/2/214 LL 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 FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (b) (c) (d) (e) (f) BAND (p)/(h) PERCENTAGE (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) CUM q/i ,39 11, ,822 2, , , ,619 34, , , ,963 44, , , ,217 58, , , ,9 69, , , ,. 9,47 79, , , ,. 1,5. 9,728 88, , , ,5. 2,. 6,415 95, , , ,. 2,5. 4,53 99, , , ,5. 3,. 3,165 12, , , ,. 4,. 4,21 16, , , ,. 5,. 2,948 19, , , ,. 7,5. 3, , , , ,5. 1,. 2, , , , ,. 2,. 3, , , , ,. 5,. 3,1 122, , , ,. 1,. 1, , , , ,. 5,. 1, , , ,75, ,. UP , ,177, ,253,

44 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 212 As At 31/12/213 OCCUPATION : ALL PROCESSING DATE 7/2/214 LL BAND (a) SUM INSURED (BAND) (in Million Rp) NUMBER OF RISKS F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) (s) LOSS RATIO BAND (p)/(h) PERCENTAGE (t) CUM q/i (u) ,193 17, ,458 3, , , ,18 49, , , ,514 63, , , ,913 82, , , ,664 95, , , ,. 13,891 19, , , ,. 1,5. 16,54 125, , , ,5. 2,. 7, , , , ,. 2,5. 4, , , , ,5. 3,. 3, , , , ,. 4,. 4, , , , ,. 5,. 3,386 15, , , , ,. 7,5. 4, , , , , ,5. 1,. 3,66 158, , , , ,. 2,. 4, , , , , ,. 5,. 3, , , , , ,. 1,. 2,25 169, , , , ,. 5,. 2,41 171, , ,39, , ,. UP , ,327, ,637, ,

45 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 211 As At 31/12/213 OCCUPATION : ALL PROCESSING DATE 7/2/214 LL 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 FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (b) (c) (d) (e) (f) BAND (p)/(h) PERCENTAGE (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u) CUM q/i ,871 16, ,844 29, , , ,249 48, , , ,527 62, , , ,2 81, , , ,193 94, , , ,. 13,545 18, , , ,. 1,5. 13, , , , ,5. 2,. 7, , , , , ,. 2,5. 4, , , , , ,5. 3,. 3, , , , , ,. 4,. 4, , , , , ,. 5,. 3, , , , , ,. 7,5. 4,469 15, , , , , ,5. 1,. 2, , , , , ,. 2,. 4, , , , , ,. 5,. 3, , , , , , ,. 1,. 1,8 163, , , , , ,. 5,. 1,98 165, , ,26, , , ,. UP , ,66, ,813, ,

46 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 21 As At 31/12/213 OCCUPATION : ALL PROCESSING DATE 7/2/214 LL BAND (a) SUM INSURED (BAND) (in Million Rp) NUMBER OF RISKS GROSS PREMIUM (In Million Rp) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) LOSS RATIO F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE FROM TO f 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) ,824 19, ,51 34, , , ,23 54, , , ,898 67, , , ,153 85, , , ,94 11, , , ,. 14, , , , ,. 1,5. 1, , , , ,5. 2,. 6, , , , , ,. 2,5. 4, , , , , ,5. 3,. 3,258 14, , , , ,. 4,. 3, , , , , ,. 5,. 2, , , , , ,. 7,5. 3, , , , , ,5. 1,. 2, , , , , ,. 2,. 3, , , , , ,. 5,. 3,35 16, , , , ,. 1,. 1, , , , , ,. 5,. 1, , , ,33, , , ,. UP , ,83, ,116, , ,

47 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 29 As At 31/12/213 OCCUPATION : ALL PROCESSING DATE 7/2/214 LL 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) ,84 17, , , , , ,486 27, ,5.69 1, , , , ,81 41, , , , , ,759 5, , , , , ,558 65, , , , , , ,443 77, , , , , , ,. 11,479 89, , , , , , ,. 1,5. 8,839 98, , , , , , ,5. 2,. 5,42 13, , , , , , ,. 2,5. 3,86 16, , , , , , ,5. 3,. 2,611 19, , , , , , ,. 4,. 3,23 112, , , , , , ,. 5,. 2, , ,44. 15, , , , ,. 7,5. 3, , , , , , , ,5. 1,. 2,133 12, , , , , , ,. 2,. 3, , , , , , , ,. 5,. 3, , , , , , , ,. 1,. 1, , , , , , , ,. 5,. 1, , , , , , , ,. UP 44 13, , ,781, , , ,

48 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 213 As At 31/12/213 OCCUPATION : AGRICULTURAL PROCESSING DATE 7/2/214 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, ,. 4, ,. 5, ,. 7, ,5. 1, ,. 2, , ,. 5, , , ,. 1, , , ,. 5, , , ,. UP , ,

49 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 213 As At 31/12/213 OCCUPATION : COMMERCIAL PROCESSING DATE 7/2/214 LL 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) ,654 5, ,837 11, ,658 18, , , ,444 22, , , ,727 29, , , ,81 35, , , ,. 4,961 4, , , ,. 1,5. 5,7 45, , , ,5. 2,. 3,54 48, , , ,. 2,5. 2,116 5, , , ,5. 3,. 1,718 52, , , ,. 4,. 2,14 54, , , ,. 5,. 1,63 56, , , ,. 7,5. 2,117 58, , , ,5. 1,. 1,358 59, , , ,. 2,. 1,946 61, , , ,. 5,. 1,466 63, , , ,. 1, , , , ,. 5, , , , ,. UP 77 64, , ,

50 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 213 As At 31/12/213 OCCUPATION : INDUSTRIAL PROCESSING DATE 7/2/214 LL 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) ,58 1, , , , , , , , , , ,. 1, , , , ,5. 2, , , , ,. 2, , , , ,5. 3, , , , ,. 4,. 57 6, , , ,. 5, , , , ,. 7, , , , ,5. 1, , , , ,. 2,. 1,12 9, , , ,. 5,. 1,164 1, , , ,. 1, , , , ,. 5, , , , ,. UP , , ,419,

51 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 213 As At 31/12/213 OCCUPATION : RESIDENTIAL PROCESSING DATE 7/2/214 LL 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) ,83 3, ,672 7, ,538 14, , , ,16 19, , , ,991 26, , , ,825 3, , , ,. 4,14 34, , , ,. 1,5. 3,982 38, , , ,5. 2,. 2,372 41, , , ,. 2,5. 1,462 42, , , ,5. 3,. 1,62 43, , , ,. 4,. 1,357 45, , , ,. 5, , , , ,. 7,5. 1,11 47, , , ,5. 1, , , , ,. 2, , , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP 45 49, , ,

52 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 212 As At 31/12/213 OCCUPATION : AGRICULTURAL PROCESSING DATE 7/2/214 LL BAND (a) SUM INSURED (BAND) (in Million Rp) NUMBER OF RISKS F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) (s) LOSS RATIO BAND (p)/(h) PERCENTAGE (t) CUM q/i (u) , ,. 1, ,5. 2, ,. 2, ,5. 3, ,. 4, ,. 5, ,. 7, ,5. 1, ,. 2, , ,. 5, , , ,. 1, , , ,. 5, ,434. 2, ,. UP , ,

53 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 212 As At 31/12/213 OCCUPATION : COMMERCIAL PROCESSING DATE 7/2/214 LL BAND (a) SUM INSURED (BAND) (in Million Rp) NUMBER OF RISKS F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) (s) LOSS RATIO BAND (p)/(h) (t) PERCENTAGE CUM q/i (u) ,417 1, ,588 19, , , ,687 28, , , ,3 34, , , ,39 44, , , ,196 51, , , ,. 8,493 59, , , ,. 1,5. 1,593 7, , , ,5. 2,. 4,652 75, , , ,. 2,5. 2,698 77, , , ,5. 3,. 2,16 8, , , ,. 4,. 2,637 82, , , ,. 5,. 1,88 84, , , ,. 7,5. 2,484 87, , , , ,5. 1,. 1,59 88, , , , ,. 2,. 2,47 91, , , , ,. 5,. 1,775 92, , , , ,. 1, , , , , ,. 5, , , , , ,. UP 95 94, , , ,

54 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 212 As At 31/12/213 OCCUPATION : INDUSTRIAL PROCESSING DATE 7/2/214 LL BAND (a) SUM INSURED (BAND) (in Million Rp) NUMBER OF RISKS F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) (s) LOSS RATIO BAND (p)/(h) PERCENTAGE (t) CUM q/i (u) , , , , , , , , , ,. 1, , , , ,5. 2, , , , ,. 2, , , , ,5. 3, , ,12.9 1, ,. 4, , , , ,. 5, , , , ,. 7,5. 1,37 9, , , ,5. 1, , , , ,. 2,. 1,484 12, , , ,. 5,. 1,632 13, , , ,. 1, , , , ,. 5,. 1,181 15, , , ,. UP 41 16, ,47, ,623,

55 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 212 As At 31/12/213 OCCUPATION : RESIDENTIAL PROCESSING DATE 7/2/214 LL BAND (a) SUM INSURED (BAND) (in Million Rp) NUMBER OF RISKS F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) (s) LOSS RATIO BAND (p)/(h) (t) PERCENTAGE CUM q/i (u) ,884 5, ,463 1, ,764 19, ,91.2 2, ,574 25, , , ,821 34, , , ,746 4, , , ,. 4,737 44, , , ,. 1,5. 4,491 49, , , ,5. 2,. 2,58 52, , , ,. 2,5. 1,556 53, , , ,5. 3,. 1,217 54, , , ,. 4,. 1,421 56, , , ,. 5, , , , ,. 7,5. 1,18 58, , , ,5. 1, , , , ,. 2, , , , ,. 5, , , , ,. 1,. 22 6, , , ,. 5, , , , ,. UP 44 6, , ,

56 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 211 As At 31/12/213 OCCUPATION : AGRICULTURAL PROCESSING DATE 7/2/214 LL BAND (a) SUM INSURED (BAND) (in Million Rp) NUMBER OF RISKS F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) (s) LOSS RATIO PERCENTAGE BAND (p)/(h) (t) CUM q/i (u) , ,. 1, ,5. 2, ,. 2, ,5. 3, ,. 4, ,. 5, ,. 7, ,5. 1, ,. 2, , ,. 5, , , ,. 1, , , ,. 5, , , ,. UP , ,

57 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 211 As At 31/12/213 OCCUPATION : COMMERCIAL PROCESSING DATE 7/2/214 LL BAND (a) SUM INSURED (BAND) (in Million Rp) NUMBER OF RISKS F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) (s) LOSS RATIO BAND (p)/(h) PERCENTAGE (t) CUM q/i (u) ,633 12, ,883 2, , ,527 3, , , ,256 36, , , ,453 45, , , ,7 52, , , ,. 8,384 6, , , ,. 1,5. 8,425 69, , , ,5. 2,. 4,191 73, , , ,. 2,5. 2,591 76, , , ,5. 3,. 1,976 78, , , , ,. 4,. 2,562 8, , , , ,. 5,. 1,859 82, , , , ,. 7,5. 2,372 84, , , , , ,5. 1,. 1,487 86, , , , ,. 2,. 2,32 88, , , , ,. 5,. 1,68 9, , , , , ,. 1, , , , , , ,. 5, , , , , , ,. UP 71 91, , , ,

58 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 211 As At 31/12/213 OCCUPATION : INDUSTRIAL PROCESSING DATE 7/2/214 LL BAND (a) SUM INSURED (BAND) (in Million Rp) NUMBER OF RISKS F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) (s) LOSS RATIO BAND (p)/(h) PERCENTAGE (t) CUM q/i (u) , , , , , , , , ,. 1, , , , ,5. 2,. 78 5, , , ,. 2, , , , ,5. 3, , , , ,. 4, , , , ,. 5, , , , ,. 7, , , , ,5. 1, , , , ,. 2,. 1,427 1, , , ,. 5,. 1,638 12, , , ,. 1, , , , ,. 5,. 1,24 14, , , ,. UP , ,152, ,695,

59 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 211 As At 31/12/213 OCCUPATION : RESIDENTIAL PROCESSING DATE 7/2/214 LL BAND (a) SUM INSURED (BAND) (in Million Rp) NUMBER OF RISKS F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (b) (c) (d) (e) (f) GROSS PREMIUM (In Million Rp) (g) (h) (i) (j) (k) (l) CLAIM FREQUENCY INCURRED CLAIM (In Million Rp) (m) (n) (o) (p) (q) (r) (s) LOSS RATIO BAND (p)/(h) PERCENTAGE (t) CUM q/i (u) ,732 3, ,668 8, ,16 17, , , ,877 24, , , ,51 33, , , ,894 39, , , ,. 4,492 43, , , ,. 1,5. 4,277 48, , , ,5. 2,. 2,454 5, , , ,. 2,5. 1,491 52, , , ,5. 3,. 1,191 53, , , ,. 4,. 1,373 54, , , ,. 5, , , , ,. 7,5. 1,122 56, , , ,5. 1, , , , ,. 2, , , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP 43 59, , ,

60 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 21 As At 31/12/213 OCCUPATION : AGRICULTURAL PROCESSING DATE 7/2/214 LL BAND (a) SUM INSURED (BAND) (in Million Rp) F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (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) BAND (p)/(h) (t) PERCENTAGE CUM q/i (u) , ,. 1, ,5. 2, ,. 2, ,5. 3, ,. 4, ,. 5, ,. 7, ,5. 1, ,. 2, , ,. 5, , , ,. 1, , , ,. 5, , , ,. UP , ,

61 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 21 As At 31/12/213 OCCUPATION : COMMERCIAL PROCESSING DATE 7/2/214 LL BAND (a) SUM INSURED (BAND) (in Million Rp) F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (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) BAND (p)/(h) PERCENTAGE (t) CUM q/i (u) ,327 13, ,432 19, , ,95 28, , , ,674 34, , , ,459 42, , , ,41 49, , , ,. 8,592 58, , , ,. 1,5. 6,19 64, , , ,5. 2,. 3,612 68, , , ,. 2,5. 2,383 7, , , ,5. 3,. 1,727 72, , , , ,. 4,. 2,145 74, , , , ,. 5,. 1,55 75, , , , ,. 7,5. 1,951 77, , , , ,5. 1,. 1,152 78, , , , ,. 2,. 1,811 8, , , , ,. 5,. 1,399 82, , , , ,. 1, , , , , ,. 5, , , , , , ,. UP 49 83, , , , ,

62 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 21 As At 31/12/213 OCCUPATION : INDUSTRIAL PROCESSING DATE 7/2/214 LL 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 FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ ( (r) q) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) BAND (p)/(h) PERCENTAGE (t) CUM q/i (u) , , , , , , , , ,. 1, , , , ,5. 2, , , , ,. 2, , , , ,5. 3, , , , ,. 4, , , , ,. 5,. 52 7, , , ,. 7, , , , ,5. 1, , , , ,. 2,. 1,34 1, , , ,. 5,. 1,428 11, , , ,. 1, , , , ,. 5,. 1,7 13, , , ,. UP , , ,298,

63 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 21 As At 31/12/213 OCCUPATION : RESIDENTIAL PROCESSING DATE 7/2/214 LL BAND (a) SUM INSURED (BAND) (in Million Rp) F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM (d) (d)/ (d) (f) (h) (i)/ (i) (j) (l) (m)/ (m) (n) (p) (q)/ (q) (r) (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) BAND (p)/(h) PERCENTAGE (t) CUM q/i (u) ,89 5, ,681 13, , ,617 24, , , ,837 31, , , ,885 39, , , ,298 48, , , ,. 5,16 53, , , ,. 1,5. 3,928 57, , , ,5. 2,. 2,238 59, , , ,. 2,5. 1,348 6, , , ,5. 3,. 1,66 61, , , ,. 4,. 1,244 63, , , ,. 5, , , , ,. 7, , , , ,5. 1, , , , ,. 2, , , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP 53 67, , ,

64 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 29 As At 31/12/213 OCCUPATION : AGRICULTURAL PROCESSING DATE 7/2/214 LL 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, ,. 4, ,. 5, ,. 7, ,5. 1, , , , ,. 2, , , , , ,. 5, , , , ,. 1, , , , ,. 5, , , , ,. UP , , ,

65 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 29 As At 31/12/213 OCCUPATION : COMMERCIAL PROCESSING DATE 7/2/214 LL 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) ,46 12, , , ,.1 3, ,43 18, , , , , ,526 25, , , , , ,567 3, , , , , ,645 38, , , , , ,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. 1,641 69, , , , , ,5. 1,. 1,21 7, , , , , ,. 2,. 1,647 72, , , , , ,. 5,. 1,357 73, , , , , ,. 1, , , , , , ,. 5, , , , , , ,. UP 65 74, , , , ,

66 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 29 As At 31/12/213 OCCUPATION : INDUSTRIAL PROCESSING DATE 7/2/214 LL 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, , ,79.4 5, , ,5. 3, , , , , ,. 4, , , , , ,. 5, , , , , ,. 7, , , , , ,5. 1, , , , , ,. 2,. 1,274 9, , , , , ,. 5,. 1,428 1, , , , ,. 1, , , , , ,. 5, , , , , ,. UP 3 12, , ,124, ,

67 PT. Asuransi MAIPARK Indonesia RISK & LOSS PROFILE UNDERWRITING YEAR : 29 As At 31/12/213 OCCUPATION : RESIDENTIAL PROCESSING DATE 7/2/214 LL 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) ,935 4, ,119 8, , , ,786 13, , , , , ,81 18, , , , , ,235 24, , , , , ,88 28, , , , , ,. 3,262 32, , , , , ,. 1,5. 2,991 35, , , , , ,5. 2,. 1,697 36, , , , , ,. 2, , , , , , ,5. 3, , , , , , ,. 4, , , , , , ,. 5,. 63 4, , , , ,. 7, , , , , ,5. 1, , , , , ,. 2, , , , , , ,. 5, , , , , ,. 1, , , , , ,. 5, , , , , ,. UP 36 42, , , ,

68 Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 213, per 31 Desember 213 Indonesian Earthquake Distribution by Province, Underwriting Year 213, as at 31 December

69 Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 213 Indonesian Earthquake Distribution M > 5 and Claim Incurred 213 6

70 Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 213, per 31 Desember 213 Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 213 Indonesian Earthquake Distribution by Province, Underwriting Year 213, as at 31 December 213, Indonesian Earthquake Distribution M > 5 and Claim Incurred

71 Damage Ratio Gempa Tasikmalaya terjadi pada tanggal 2 September 29 bermagnitudo 7. Mw dengan pusat kedalaman di 46 km. Episenter gempa tersebut berlokasi 6 km dari tepi pantai selatan. Seusai gempa utama, tercatat beberapa gempa susulan dengan kekuatan yang lebih rendah. Gempa tersebut dipicu oleh kondisi Tektonik Jawa yang didominasi oleh zona penunjaman lempeng Indo-Australia utarabarat laut di bawah lempeng Eurasia. Gempa yang melanda Kota Tasikmalaya tidak menyebabkan tsunami meskipun gempa berpusat di laut, karena energi yang dikeluarkan tidak cukup kuat untuk memicu terjadinya gelombang tsunami. Gerakan tanah pada umumnya diwakili oleh parameter MMI (Modified Mercally Intensity). Guncangan gempa dirasakan hampir di seluruh kota di Pulau Jawa. Di selatan Tasikmalaya kekuatan gempa mencapai sekitar VI-V MMI, sedangkan di Bogor dan Cilacap sekitar III-IV MMI. Berdasarkan data klaim dari gempa bumi Tasikmalaya, pada zona dengan MMI VI, menghasilkan sebagai berikut: Probabilitas loss ratio 2% adalah sebesar,5% dari jumlah risiko, Probabilitas loss ratio 8% adalah sebesar.6%. The Tasikmalaya earthquake of September 2nd, 29 with magnitude of 7. Mw occurred at the depth of about 46 kilometers. The epicenter of this earthquake was 6 kilometers away from the southern coast. After the major earthquake, there were several aftershocks with lower magnitude. The earthquake was triggered by condition of Java Tectonic that dominated by the subduction of the Indo-Australian plate northnortheastward beneath the Eurasian plate. The earthquake which attacked Tasikmalaya did not cause a tsunami though the epicenter of the earthquake was centered in the ocean, because the energy which came out was not strong enough to trigger tsunami wave. The ground shaking were usually represented by MMI (Modified Mercally Intensity). Earthquake shocks was felt in almost all of the cities in Java Island. In the south of Tasikmalaya the earthquake magnitude reaches about VI V MMI; while Bogor and Cilacap about III - IV MMI. Based on claims data of Tasikmalaya earthquake, at zone with MMI VI, the following results: the probability of loss ratio of 2 % is equal to.5 % from number of risk, the probability of loss ratio of 8 % is equal to.6 %. 62

72 Berdasarkan hasil analisa loss ratio tersebut, menunjukan klaim kerugian bangunan yang diasuransikan masih cukup rendah. Based on the analysis of the loss ratio, it shows that the claims/losses amount toward the building insured were still low. Grafik Damage Ratio Damage Ratio Graph MMI Loss Ratio III IV V VI % % % %.5%.6568%.148%.6935% % 5%.1642%.4242%.14% % 2%.%.1786%.288%.49751% 45%.%.%.313%.6219% 8%.%.%.29%.6219% 1%.%.223%.%.% MDF.115%.843%.7377%.27519% Tabel Mean Damage Factor 63

73 Lampiran 1 / Attachment 1 GLOSSARIES 1. OCCUPATION : A - AGRICULTURAL C - COMMERCIAL I - INDUSTRIAL R - RESIDENTIAL 2. ZONES (BASED ON CRESTA-Catastrophe Risk Evaluating and Standardizing Target Accumulations) : Banda Aceh Medan Others 1 - North Sumatera Padang Palembang Others 2 - South Sumatera DKI Jakarta Bandung Others 3 - DKI & West java 64

74 4.1 - Semarang Yogyakarta 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 65

75 7. Loss Ratio The percentage ratio of Incurred claims to Gross Premium 66

76 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 67

77 Lampiran 3 / Attachment 3 68

78 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 69

79 Lampiran 5 / Attachment 5 7