Earthquake Statistik Des 2008 - maipark.com · Untuk menggambarkan premi dan harga pertanggungan...

Daftar isi.

Sambutan Dewan Direksi PT. Asuransi Maipark Indonesia

Informasi Statistik ………………………………………………………………………. 1

Catatan Statistik ………………………………………………………………………… 3

Table A Risk and Loss Profile All Underwriting Year, All Occupation, All Zone 7

Table B1 Risk and Loss Profile Underwriting Year 2004, All Occupation, All Zone

……………………………………………………………………………… 8


……………………………………………………………………………… 9


……………………………………………………………………………… 10


……………………………………………………………………………… 11


……………………………………………………………………………… 12

Table C1 Risk and Loss Profile Underwriting Year 2004, Agricultural Occupation

All Zone ………………………………………………………………… 13

Table C2 Risk and Loss Profile Underwriting Year 2004, Commercial Occupation

All Zone…………………………………………………………………… 14

Table C3 Risk and Loss Profile Underwriting Year 2004, Industrial Occupation

All Zone ………………………………………………………………… 15

Table C4 Risk and Loss Profile Underwriting Year 2004, Residential Occupation

All Zone ………………………………………………………………… 16


All Zone ………………………………………………………………… 17


All Zone ………………………………………………………………… 18


All Zone ………………………………………………………………… 19


All Zone ………………………………………………………………… 20


All Zone ………………………………………………………………… 21


All Zone ………………………………………………………………… 22


All Zone ………………………………………………………………… 23


All Zone ………………………………………………………………… 24


All Zone ………………………………………………………………… 25


All Zone ………………………………………………………………… 26


All Zone ………………………………………………………………… 27


All Zone ………………………………………………………………… 28


All Zone ………………………………………………………………… 29


All Zone ………………………………………………………………… 30


All Zone ………………………………………………………………… 31


All Zone ………………………………………………………………… 32

Table D Agregate Exposure ……………………………………………………… 33

Grafik D Agregate Exposure ……………………………………………………… 34

Table E Gross Premium Income ………………………………………………………35

Grafik E Gross Premium Income ………………………………………………………36

Grafik F Gross Premium Income By Cresta ………………………………………… 37

Grafik G Exposure By Cresta …………………..…………………………………… 38

Table H Gross Premium Income By Occupation …………………………………… 39

Grafik H Gross Premium Income By Occupation …………………………………… 40

Table I Agregate Exposure By Occupation …………………………………… 41

Grafik I Agregate Exposure By Occupation …………………………………… 42

Table J Agregate Exposure By Interest ……………………………………… 43

Grafik J Agregate Exposure By Interest ……………………………………… 44

Table K Number of Risks ……………………………………………………… 45

Grafik K Number of Risks ……………………………………………………… 46

Table L Number of Risks By Occupation …. ……………………………………… 47

Table M Claim Frequency By Occupation …. ……………………………………… 47

Grafik M Claim Frequency By Occupation ….…………………………………… 49

Table N Claim Frequency By Cresta Zone …. ……………………………………… 50

Grafik N Claim Frequency By Cresta Zone ….……………………………………… 51

Table O Incurred Claim By Occupation …. ……………………………………… 52

Grafik O Incurred Claim By Occupation ….……………………………………… 53

Table P Incurred Claim By Cresta Zone …. ……………………………………… 54

Grafik P Incurred Claim By Cresta Zone ….……………………………………… 55

Table Q Major Earthquakes ……………………………………………………… 56

Grafik Q Earthquake Map ……………………………………………………… 57

Glossaries ……………………………………………………………………………… 58

Attachments

Indonesia Earthquake Rate / Tariff ……………………………………………… 1

First Loss Scale ………………………………………………………………….. 2

Short Term Table …………………………………………………………………. 3

Indemnity Table …………………………………………………………………. 4

Ref No. : 009/M-MKT/III-10/AMI/HZ

Direksi Seluruh Perusahaan AsuransiDi

Tempat

Perihal : Statistik Gempa Bumi Indonesia 2004 -2008

Dengan hormat,

Bersama ini kami sampaikan Statistik Asuransi Gempa Bumi periode 2004 -2008 posisisampai dengan bulan Desember 2008.

Kami selalu berusaha untuk menyempurnakan laporan statistik yang kami buat. Tidakhanya kualitas data dan hasilnya, tapi juga dalam penyajian datanya. Data yang lengkap dan akurat yang disampaikan dalam laporan pensesian akan sangat berpengaruh terhadaplaporan statistik ini. Usaha yang kami lakukan dalam menyempurnakan laporan statistikini, tidak akan berarti apa-apa tanpa dukungan dari seluruh perusahaan asuransi. Oleh karena itu, kami sangat berterima kasih atas segala kritik dan saran serta kerjasama yangterjalin selama ini. Semoga apa yang kita lakukan selama ini akan lebih baikkedepannya.

Kami berharap statistik ini dapat bermanfaat tidak hanya bagi perusahaan asuransi yang menangani Asuransi Gempa Bumi namun dapat pula berguna bagi industri asuransiumum di Indonesia.

Atas perhatiannya yang baik kami ucapkan terima kasih.

Jakarta, 15 Maret 2010Hormat kami,

Seluruh Perusahaan AsuransiDi

Kepada Yth,

Frans Y. Sahusilawane Presiden Direktur

Bisma Subrata Direktur

INFORMASI STATISTIK

1. Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan

posisi 31 Desember 2008

2. Sesi Limit

2.1. Limit Sesi didasarkan atas setiap risiko.

2.2. Yang dimaksud dengan setiap risiko (any one 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/ Penerbit Polis sesuai dengan interpretasi perusahaan asuransi

dalam underwriting Polis Kebakaran.

2.3. Besarnya Limit Sesi atas setiap risiko (any one risk) untuk gabungan

Kerugian Fisik dan Gangguan Usaha adalah sebagai berikut :

2.3.1. Untuk daerah Jawa Barat, Banten dan DKI :

5% (lima persen) dari jumlah seluruh pertanggungan (total sum

insured) maksimum USD 2,500,000.00 (dua juta lima ratus ribu

Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi/

Penerbit Polis.

2.3.2 Untuk daerah Indonesia lainnya :

25% (dua puluh lima persen) dari jumlah seluruh pertanggungan

(total sum insured) maksimum USD 2,500,000.00 (dua juta lima

ratus ribu Dollar Amerika) atas setiap risiko setiap perusahaan

asuransi/Penerbit Polis.

2.4. Dalam hal penutupan secara First Loss Basis / Sub-limit, jumlah yang

disesikan sebagaimana diatur dalam butir 2.3. diatas, dikalikan persentase

First Loss Basis / Sub-limit Basis.

2.5. Bilamana risiko ditutup secara ko-asuransi, jumlah maksimum sesi dari

semua Anggota ko-asuransi adalah sesuai dengan ketentuan yang diatur

dalam 2.3. diatas. Sesi masing-masing perusahaan adalah proporsional

sebanding sahamnya dalam ko-asuransi.

Dalam hal terdapat penutupan lain selain polis ko-asuransi tersebut pada

obyek pertanggungan yang sama, perusahaan asuransi tetap dapat

mensesikan risiko dimaksud, dengan catatan jumlah seluruh sesi

perusahaan asuransi bersangkutan tidak melebihi ketentuan yang diatur

pada butir 2.3.

3. Tarif Premi

3.1. Penutupan dengan menggunakan Full Value Basis mengaplikasikan Tarif

Premi Standar Gempa Bumi Indonesia (lampiran 1)

3.2. Penutupan dengan First Loss / Sub Limit Basis mengaplikasikan standar

First Loss Scale (lampiran 2)

3.3. Perhitungan premi untuk penutupan kurang dari 12 (dua belas) bulan

diberlakukan skala premi jangka pendek (lampiran 3)

3.4. Untuk perhitungan premi Bussiness Interruption diberlakukan Indemnity

Period Scale (lampiran 4)

4. Obyek Pertanggungan

4.1. Obyek pertanggungan yang dapat disesikan adalah obyek pertanggungan

asuransi kebakaran berupa :

4.1.1. Kerusakan Fisik :

� Bangunan

� Pondasi

� Penggalian dan Sejenisnya

� Persediaan Barang

� Lain-lain

4.1.2 Gangguan Usaha :

� Keuntungan Bruto

� Upah

� Kenaikan Biaya Operasional

� Lain-lain

4.2 Penutupan sebagaimana dimaksud pada butir 4.1. adalah yang ditutup

secara langsung (direct business) termasuk ko-asuransi. Penutupan tidak

langsung (indirect business/Reasuransi) tidak dapat disesikan.

7. Pelaporan Bordero

Pelaporan bordero dilakukan setiap bulannya untuk semua risiko yang ditutup

pada bulan yang bersangkutan dan sudah harus diterima selambat-lambatnya

pada akhir bulan berikutnya.

8. Untuk kasus “Multi Location Risk” yang mengalami kesulitan dalam

mmberikan detail harga pertanggungan perlokasi maka dengan persetujuan

AAUI pensesian risiko dan perhitungan premi dilakukan pada zona-zona

tertentu.

9. Untuk menggambarkan premi dan harga pertanggungan yang sebenarnya dalam

penutupan asuransi gempa bumi berdasarkan ko-asuransi, diharapkan agar

seluruh anggota ko-asuransi mensesikan risiko gempa bumi tersebut.

CATATAN STATISTIK 2008

1. PREMI BRUTO DAN JUMLAH RISIKO

Seiring dengan meningkatnya laju pertumbuhan ekonomi Indonesia dari tahun

ke tahun, bisnis asuransi pun mengalami peningkatan yang cukup berarti dan

bervariasi dari tahun ke tahun. Secara nasional dan berdasarkan data yang

dikumpulkan oleh MAIPARK, premi bruto untuk portfolio tahun underwriting

2007 sampai dengan posisi 31 Desember 2008 adalah sebesar Rp. 1,79 Trilyun.

Selanjutnya, premi Bruto untuk tahun underwriting year 2008 telah mencapai

Rp. 1.07 Trilyun. Diperkirakan premi tersebut akan terus mengalami

peningkatan karena proses pensesian masih terus berjalan. Tabel 1.1. dibawah

ini menggambarkan tren kenaikan yang dimaksud untuk masing-tahun protfolio.

Bagian terbesar premi bruto dari portfolio underwriting 2004 hingga 2007

adalah premi dari okupasi Industrial yaitu sekitar 63% dari portfolio setiap

tahun underwriting yang dimaksud. Untuk tahun underwriting 2007 saja, premi

bruto yang diperoleh dari okupasi ini adalah sebesar Rp.1,3 Trilyun atau

72,63% dari total premi bruto pada portfolio tahun underwriting yang sama.

Selanjutnya, penyebaran risiko asuransi gempa bumi masih terpusat di zona 3 (

DKI Jakarta dan Jawa Barat ). Hal ini terlihat dari tingkat premi bruto di wilayah

ini yaitu sekitar 60% dari setiap portfolio tahun underwriting. Contohnya, untuk

portfolio tahun 2007, premi bruto yang dihasilkan untuk zona 3 adalah sebesar

Rp. 774 Milyar.Kemudian diikuti oleh Zona 5 ( Jawa Timur ) dan Zona 2 (

Sumatera Selatan ). Tabel 1.3. dibawah ini menggambarkan hal ini.

Tabel 1.1

Pertumbuhan jumlah risiko pada portfolio underwriting 2007 tercatat sebesar

13% jika dibanding dengan portfolio tahun underwriting 2006. Untuk tahun

underwriting 2006, 2007, dan 2008, kami mulai memisahkan risiko multi

location dalam catatan statistik kami. Saat ini kami masih mencoba melakukan

hal yang sama untuk tahun underwriting 2005 dan sebelumnya. Hasil ini akan

kami sampaikan pada laporan statistik selanjutnya sehingga kita dapat melihat

tingkat pertumbuhan jumlah risiko dengan lebih tepat.

2. LOSS RATIO

Pada portfolio uderwriting tahun 2005 hingga tahun 2008, tingkat loss ratio

okupasi commercial lebih tinggi dari loss ratio okupasi lainnya. Hanya pada

portfolio 2004 saja okupasi Industrial lebih tinggi dari yang lain. Hal ini

disebabkan oleh klaim besar yaitu klaim Semen Andalas pada kejadian Gempa

Bumi yang diikuti Tsunami di Aceh pada tanggal 26 Desember 2004. Hal ini

menunjukkan okupasi Commercial memiliki tingkat kerugian paling tinggi dari

okupasi lainnya yaitu dengan rata–rata setiap tahun underwriting, tingkat loss

rasionya mencapai 19,02%. Hal ini perlu dicermati oleh para underwriter

asuransi. Selanjutnya, tingkat kerugian tertinggi setelah okupasi Commercial

adalah okupasi Industrial dan Residential dengan rata-rata tingkat loss ratio

sebesar 11,54% dan 3,02%. Sedangkan okupasi Aggricultural terlihat lebih

aman dengan rata-rata tingkat loss ratio hanya 1,59%. Catatan yang lebih

menarik yaitu untuk portfolio tahun underwriting 2007 dimana kerugian yang

dialami oleh okupasi Commercial tercatat sebesar Rp. 90 Milyar atau 90% dari

total kerugian di tahun underwriting 2007. Tabel 1.5. menggambarkan narasi

diatas.

Tabel 1.2

Tabel 1.3

3. KLAIM

Pada pembahasan klaim ini, kami ingin menjelaskan secara singkat beberapa

peristiwa klaim gempa bumi yang terjadi sepanjang MAIPARK berdiri yaitu

dari mulai tahun 2004 hingga tahun 2008.

Tingkat kerugian klaim terbesar terjadi pada peristiwa gempa dan tsunami di

Aceh pada tanggal 26 Desember 2004 dengan total klaim sebesar Rp. 612

Milyar sebagaimana tercatat pada posisi 31 Desember 2008. Diikuti selanjutnya

oleh klaim gempa bumi di Yogyakarta pada tanggal 27 Mei 2006 dengan nilai

kerugian Rp. 255 Milyar. Dari jumlah risiko, angka tertinggi terdapat pada

peristiwa gempa bumi Bengkulu 12 September 2007 dengan total 452 risiko.

Kemudian diikuti oleh gempa bumi di Yogyakarta 27 Mei 2006 dimana terdapat

368 risiko yang mengalami kerusakan.

Tabel 1.6 berikut ini menyajikan rincian klaim per kejadian yang tercatat sampai

dengan 31 Desember 2008.

Tabel 1.5

Tabel 1.4

Klaim

Sebagai penutup catatan statistik, kami masih mengalami kesulitan dalam proses

pembuatan statitik ini dikarenakan masih banyaknya ketidakseragaman data

pensesian yang kami terima. Walaupun sekarang ini jauh lebih baik karena

semakin baiknya kesadaran ceding company dalam melakukan keseragaman

proses pensesian sesuai pedoman pensesian yang ada. Keakurasian data

pensesian ini amat penting bagi kita semua untuk menghasilkan statistik yang

lebih baik, akurat serta cepat.

UNDERWRITING YEAR : ALL DATA POSITION FROM 01/01/2008OCCUPATION : ALLZONE : ALL TO 31/12/2008

PROCESSING DATE 01/07/2009

Table B.6

BAND (d)/∑(d)

CUM. ∑(f)

BAND (i)/∑(i)

CUM. ∑(j)

BAND (m)/∑(m)

CUM. ∑(n)

BAND (q)/∑(q)

CUM. ∑(r)

BAND (p)/(h)

CUM. (q)/(i)

(a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u)

1 0.00 50.00 40,965 40,965 11.65 11.65 1,865.97 1,865.97 0.02 0.02 22 22 1.97 1.97 406.52 406.52 0.04 0.04 21.79 21.79

2 50.00 100.00 24,004 64,969 6.83 18.48 2,085.24 3,951.21 0.03 0.05 46 68 4.12 6.09 917.44 1,323.97 0.09 0.13 44.00 33.51

3 100.00 200.00 37,078 102,047 10.54 29.02 6,211.21 10,162.42 0.08 0.13 83 151 7.44 13.53 2,906.11 4,230.08 0.28 0.41 46.79 41.62

4 200.00 300.00 28,011 130,058 7.97 36.99 7,959.11 18,121.53 0.10 0.23 104 255 9.32 22.85 5,462.83 9,692.90 0.53 0.95 68.64 53.49

5 300.00 500.00 37,014 167,072 10.53 47.51 18,600.73 36,722.26 0.24 0.46 141 396 12.63 35.48 6,839.38 16,532.28 0.67 1.61 36.77 45.02

6 500.00 750.00 33,922 200,994 9.65 57.16 24,548.18 61,270.44 0.31 0.77 131 527 11.74 47.22 7,269.93 23,802.21 0.71 2.32 29.61 38.85

7 750.00 1,000.00 19,603 220,597 5.57 62.74 20,191.94 81,462.38 0.26 1.03 63 590 5.65 52.87 3,471.20 27,273.42 0.34 2.66 17.19 33.48

8 1,000.00 1,500.00 26,235 246,832 7.46 70.20 39,074.20 120,536.58 0.49 1.52 109 699 9.77 62.63 11,267.67 38,541.09 1.10 3.76 28.84 31.97

9 1,500.00 2,000.00 14,453 261,285 4.11 74.31 31,950.96 152,487.54 0.40 1.93 45 744 4.03 66.67 7,561.45 46,102.54 0.74 4.49 23.67 30.23

10 2,000.00 2,500.00 10,469 271,754 2.98 77.29 26,791.22 179,278.76 0.34 2.27 36 780 3.23 69.89 4,297.67 50,400.21 0.42 4.91 16.04 28.11

11 2,500.00 3,000.00 7,403 279,157 2.11 79.39 23,756.68 203,035.44 0.30 2.57 23 803 2.06 71.95 4,093.95 54,494.15 0.40 5.31 17.23 26.84

12 3,000.00 4,000.00 10,395 289,552 2.96 82.35 41,406.13 244,441.56 0.52 3.09 46 849 4.12 76.08 8,292.12 62,786.27 0.81 6.12 20.03 25.69

f F ∑(l)

PERCENTAGE

FROM TO

RP ∑(h)

GROSS PREMIUM (In Million Rp.)

rpf F ∑(d)

PERCENTAGEPERCENTAGE rp RP ∑(p)

INCURRED CLAIM (In Million Rp.)

PT. Asuransi MAIPARK Indonesia

RISK & LOSS PROFILE

CLAIM FREQUENCY LOSS RATIO

BAND

SUM INSURED (BAND) (In Million Rp.)

NUMBER OF RISKS

PERCENTAGEPERCENTAGE

Page 7

, , , , , , , ,

13 4,000.00 5,000.00 7,407 296,959 2.11 84.45 38,295.08 282,736.65 0.48 3.57 34 883 3.05 79.12 7,864.96 70,651.23 0.77 6.89 20.54 24.99

14 5,000.00 7,500.00 11,170 308,129 3.18 87.63 77,524.89 360,261.54 0.98 4.55 41 924 3.67 82.80 20,282.41 90,933.64 1.98 8.87 26.16 25.24

15 7,500.00 10,000.00 6,929 315,058 1.97 89.60 68,561.69 428,823.23 0.87 5.42 15 939 1.34 84.14 3,244.95 94,178.59 0.32 9.18 4.73 21.96

16 10,000.00 20,000.00 12,526 327,584 3.56 93.16 204,507.18 633,330.42 2.58 8.00 38 977 3.41 87.54 30,999.19 125,177.78 3.02 12.20 15.16 19.77

17 20,000.00 50,000.00 11,476 339,060 3.26 96.43 426,358.31 1,059,688.72 5.39 13.39 53 1030 4.75 92.29 61,710.18 186,887.96 6.02 18.22 14.47 17.64

18 50,000.00 100,000.00 5,617 344,677 1.60 98.02 482,707.92 1,542,396.65 6.10 19.49 26 1056 2.33 94.62 20,771.51 207,659.47 2.03 20.25 4.30 13.46

19 100,000.00 500,000.00 5,466 350,143 1.55 99.58 1,527,655.81 3,070,052.46 19.30 38.79 44 1100 3.94 98.57 142,603.35 350,262.82 13.90 34.15 9.33 11.41

20 500,000.00 UP 1,481 351,624 0.42 100.00 4,293,321.70 7,363,374.16 54.25 93.04 16 1116 1.43 100.00 614,875.14 965,137.96 59.95 94.10 14.32 13.11

0.00 351,624 0.00 100.00 550,535.55 7,913,909.70 6.96 100.00 3 1119 0.00 100.00 60,511.26 1,025,649.22 5.90 100.00 10.99 12.96

*) Undefined = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai satu resiko

* ) Undefined

Page 7

UNDERWRITING YEARUNDERWRITING YEARUNDERWRITING YEARUNDERWRITING YEAR : 2004: 2004: 2004: 2004 DATA POSITION FROMDATA POSITION FROMDATA POSITION FROMDATA POSITION FROM 01/01/200401/01/200401/01/200401/01/2004

OCCUPATIONOCCUPATIONOCCUPATIONOCCUPATION : ALL: ALL: ALL: ALL

ZONEZONEZONEZONE : ALL: ALL: ALL: ALL TOTOTOTO 31/12/200831/12/200831/12/200831/12/2008

PROCESSING DATEPROCESSING DATEPROCESSING DATEPROCESSING DATE 01/07/200901/07/200901/07/200901/07/2009

Table B.2Table B.2Table B.2Table B.2

BAND BAND BAND BAND

(d)/(d)/(d)/(d)/ ∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/ ∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)

(a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t)(t)(t)(t) (u)(u)(u)(u)

1 0.00 50.00 5,556 5,556 10.61 10.61 156.24 156.24 0.01 0.01 1 1 1.23 1.23 11.33 11.33 0.00 0.00 7.25 7.25

2 50.00 100.00 3,880 9,436 7.41 18.01 340.78 497.02 0.02 0.03 2 3 2.47 3.70 82.34 93.66 0.01 0.02 24.16 18.84

3 100.00 200.00 5,786 15,222 11.04 29.06 1,035.47 1,532.49 0.07 0.11 9 12 11.11 14.81 529.76 623.42 0.09 0.10 51.16 40.68

4 200.00 300.00 4,275 19,497 8.16 37.22 1,274.37 2,806.86 0.09 0.19 8 20 9.88 24.69 625.69 1,249.11 0.10 0.20 49.10 44.50

5 300.00 500.00 5,262 24,759 10.04 47.26 2,743.41 5,550.27 0.19 0.39 6 26 7.41 32.10 1,067.94 2,317.05 0.17 0.37 38.93 41.75

6 500.00 750.00 3,516 28,275 6.71 53.97 2,601.37 8,151.64 0.18 0.57 9 35 11.11 43.21 829.60 3,146.65 0.13 0.51 31.89 38.60

7 750.00 1,000.00 2,789 31,064 5.32 59.30 3,089.29 11,240.93 0.21 0.78 5 40 6.17 49.38 1,044.06 4,190.71 0.17 0.68 33.80 37.28

8 1,000.00 1,500.00 3,299 34,363 6.30 65.60 5,759.78 17,000.71 0.40 1.18 9 49 11.11 60.49 3,562.43 7,753.14 0.57 1.25 61.85 45.60

9 1,500.00 2,000.00 2,020 36,383 3.86 69.45 4,070.59 21,071.30 0.28 1.46 4 53 4.94 65.43 2,500.21 10,253.35 0.40 1.65 61.42 48.66

10 2,000.00 2,500.00 1,509 37,892 2.88 72.33 3,954.52 25,025.82 0.27 1.74 3 56 3.70 69.14 110.07 10,363.42 0.02 1.67 2.78 41.41

11 2,500.00 3,000.00 1,192 39,084 2.28 74.61 4,303.30 29,329.12 0.30 2.04 2 58 2.47 71.60 887.14 11,250.56 0.14 1.81 20.62 38.36

12 3,000.00 4,000.00 1,603 40,687 3.06 77.67 6,713.43 36,042.55 0.47 2.50 3 61 3.70 75.31 385.29 11,635.85 0.06 1.88 5.74 32.28

13 4,000.00 5,000.00 1,307 41,994 2.49 80.16 7,041.99 43,084.54 0.49 2.99 0 61 0.00 75.31 0.00 11,635.85 0.00 1.88 0.00 27.01

14 5,000.00 7,500.00 1,829 43,823 3.49 83.65 13,665.13 56,749.67 0.95 3.94 2 63 2.47 77.78 5,249.54 16,885.40 0.85 2.72 38.42 29.75

15 7,500.00 10,000.00 1,244 45,067 2.37 86.03 12,725.56 69,475.23 0.88 4.82 0 63 0.00 77.78 0.00 16,885.40 0.00 2.72 0.00 24.30

16 10,000.00 20,000.00 2,405 47,472 4.59 90.62 42,416.22 111,891.45 2.95 7.77 5 68 6.17 83.95 899.99 17,785.38 0.15 2.87 2.12 15.90

17 20,000.00 50,000.00 2,438 49,910 4.65 95.27 97,682.49 209,573.94 6.78 14.55 3 71 3.70 87.65 350.96 18,136.35 0.06 2.92 0.36 8.65

18 50,000.00 100,000.00 1,181 51,091 2.25 97.53 105,025.45 314,599.39 7.29 21.85 1 72 1.23 88.89 1.90 18,138.25 0.00 2.92 0.00 5.77

19 100,000.00 500,000.00 1,033 52,124 1.97 99.50 275,477.29 590,076.68 19.13 40.98 5 77 6.17 95.06 957.48 19,095.72 0.15 3.08 0.35 3.24

20 500,000.00 UP 262 52,386 0.50 100.00 849,846.08 1,439,922.76 59.02 100.00 4 81 4.94 100.00 601,238.98 620,334.71 96.92 100.00 70.75 43.08

SUM INSURED (BAND) (In SUM INSURED (BAND) (In SUM INSURED (BAND) (In SUM INSURED (BAND) (In

Million Rp.)Million Rp.)Million Rp.)Million Rp.)

FROMFROMFROMFROM TOTOTOTO

NUMBER OF RISKSNUMBER OF RISKSNUMBER OF RISKSNUMBER OF RISKS

PT. Asuransi MAIPARK IndonesiaPT. Asuransi MAIPARK IndonesiaPT. Asuransi MAIPARK IndonesiaPT. Asuransi MAIPARK Indonesia

RISK & LOSS PROFILERISK & LOSS PROFILERISK & LOSS PROFILERISK & LOSS PROFILE

CLAIM FREQUENCYCLAIM FREQUENCYCLAIM FREQUENCYCLAIM FREQUENCY LOSS RATIOLOSS RATIOLOSS RATIOLOSS RATIO

BANDBANDBANDBANDffff F F F F

∑(d)∑(d)∑(d)∑(d)

PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE F F F F

∑(l)∑(l)∑(l)∑(l)

rprprprp

GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.)

ffff PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE RP RP RP RP

∑(p)∑(p)∑(p)∑(p)

rprprprp RP RP RP RP

∑(h)∑(h)∑(h)∑(h)

Page 8






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/ ∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/ ∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 11,071 11,071 13.45 13.45 294.27 294.27 0.02 0.02 7 7 2.56 2.56 94.65 94.65 0.04 0.04 32.16 32.16

2 50.00 100.00 7,060 18,131 8.58 22.03 610.63 904.90 0.03 0.05 21 28 7.69 10.26 342.50 437.15 0.16 0.20 56.09 48.31

3 100.00 200.00 9,211 27,342 11.19 33.23 1,634.86 2,539.76 0.09 0.13 19 47 6.96 17.22 1,154.40 1,591.55 0.54 0.74 70.61 62.67

4 200.00 300.00 6,152 33,494 7.48 40.70 1,806.71 4,346.47 0.09 0.23 35 82 12.82 30.04 3,447.48 5,039.03 1.60 2.34 190.82 115.93

5 300.00 500.00 8,149 41,643 9.90 50.61 5,167.38 9,513.85 0.27 0.50 23 105 8.42 38.46 2,623.93 7,662.96 1.22 3.56 50.78 80.55

6 500.00 750.00 5,858 47,501 7.12 57.72 4,174.06 13,687.91 0.22 0.72 20 125 7.33 45.79 541.62 8,204.58 0.25 3.81 12.98 59.94

7 750.00 1,000.00 4,729 52,230 5.75 63.47 4,886.43 18,574.34 0.26 0.97 7 132 2.56 48.35 205.91 8,410.49 0.10 3.91 4.21 45.28

8 1,000.00 1,500.00 4,994 57,224 6.07 69.54 9,269.49 27,843.83 0.49 1.46 27 159 9.89 58.24 2,422.07 10,832.56 1.13 5.04 26.13 38.90

9 1,500.00 2,000.00 3,195 60,419 3.88 73.42 9,716.78 37,560.61 0.51 1.97 19 178 6.96 65.20 1,873.78 12,706.34 0.87 5.91 19.28 33.83

10 2,000.00 2,500.00 2,151 62,570 2.61 76.04 5,481.54 43,042.15 0.29 2.26 9 187 3.30 68.50 1,688.84 14,395.19 0.79 6.69 30.81 33.44

11 2,500.00 3,000.00 1,770 64,340 2.15 78.19 5,567.92 48,610.07 0.29 2.55 5 192 1.83 70.33 613.06 15,008.25 0.29 6.98 11.01 30.87

12 3,000.00 4,000.00 2,416 66,756 2.94 81.12 9,510.21 58,120.28 0.50 3.05 12 204 4.40 74.73 2,361.05 17,369.30 1.10 8.08 24.83 29.89

13 4,000.00 5,000.00 1,868 68,624 2.27 83.39 9,542.46 67,662.73 0.50 3.55 12 216 4.40 79.12 4,490.37 21,859.67 2.09 10.16 47.06 32.31

14 5,000.00 7,500.00 2,684 71,308 3.26 86.65 18,273.90 85,936.63 0.96 4.51 9 225 3.30 82.42 6,414.79 28,274.46 2.98 13.15 35.10 32.90

15 7,500.00 10,000.00 1,767 73,075 2.15 88.80 17,454.99 103,391.62 0.92 5.42 1 226 0.37 82.78 5.07 28,279.53 0.00 13.15 0.03 27.35

16 10,000.00 20,000.00 3,268 76,343 3.97 92.77 55,031.58 158,423.20 2.89 8.31 8 234 2.93 85.71 17,550.94 45,830.47 8.16 21.31 31.89 28.93

17 20,000.00 50,000.00 2,963 79,306 3.60 96.37 115,769.68 274,192.88 6.07 14.38 20 254 7.33 93.04 37,032.55 82,863.03 17.22 38.53 31.99 30.22

18 50,000.00 100,000.00 1,439 80,745 1.75 98.12 136,652.78 410,845.66 7.17 21.54 4 258 1.47 94.51 4,425.89 87,288.92 2.06 40.59 3.24 21.25

19 100,000.00 500,000.00 1,258 82,003 1.53 99.65 480,672.08 891,517.74 25.20 46.74 10 268 3.66 98.17 127,300.74 214,589.66 59.19 99.78 26.48 24.07

20 500,000.00 UP 287 82,290 0.35 100.00 1,015,690.75 1,907,208.49 53.26 100.00 5 273 1.83 100.00 472.23 215,061.89 0.22 100.00 0.05 11.28




BANDBANDBANDBAND


Million Rp.)Million Rp.)Million Rp.)Million Rp.)NUMBER OF RISKSNUMBER OF RISKSNUMBER OF RISKSNUMBER OF RISKS

PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE


ffff F F F F

∑(d)∑(d)∑(d)∑(d)

PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rprprprp RP RP RP RP

∑(h)∑(h)∑(h)∑(h)


PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEF F F F

∑(l)∑(l)∑(l)∑(l)

rprprprpffff PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE RP RP RP RP

∑(p)∑(p)∑(p)∑(p)

Page 9






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/ ∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/ ∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 9,393 9,393 13.24 13.24 959.37 959.37 0.06 0.06 11 11 2.78 2.78 237.66 237.66 0.30 0.30 24.77 24.77

2 50.00 100.00 3,992 13,385 5.63 18.87 371.44 1,330.81 0.02 0.08 18 29 4.56 7.34 415.36 653.02 0.53 0.83 111.83 49.07

3 100.00 200.00 6,959 20,344 9.81 28.68 1,130.58 2,461.39 0.07 0.14 30 59 7.59 14.94 746.90 1,399.92 0.95 1.78 66.06 56.88

4 200.00 300.00 5,746 26,090 8.10 36.78 1,550.61 4,011.99 0.09 0.24 27 86 6.84 21.77 693.97 2,093.89 0.88 2.67 44.75 52.19

5 300.00 500.00 7,991 34,081 11.27 48.05 3,477.07 7,489.06 0.20 0.44 49 135 12.41 34.18 1,815.44 3,909.33 2.31 4.98 52.21 52.20

6 500.00 750.00 7,089 41,170 9.99 58.04 4,811.96 12,301.02 0.28 0.72 53 188 13.42 47.59 3,497.58 7,406.91 4.46 9.44 72.69 60.21

7 750.00 1,000.00 3,511 44,681 4.95 62.99 3,369.35 15,670.37 0.20 0.92 25 213 6.33 53.92 1,410.01 8,816.92 1.80 11.24 41.85 56.26

8 1,000.00 1,500.00 5,518 50,199 7.78 70.77 7,237.72 22,908.08 0.43 1.35 35 248 8.86 62.78 3,209.49 12,026.41 4.09 15.33 44.34 52.50

9 1,500.00 2,000.00 2,926 53,125 4.13 74.90 5,445.22 28,353.30 0.32 1.67 9 257 2.28 65.06 1,480.23 13,506.64 1.89 17.21 27.18 47.64

10 2,000.00 2,500.00 2,210 55,335 3.12 78.01 5,330.32 33,683.62 0.31 1.98 11 268 2.78 67.85 1,578.44 15,085.08 2.01 19.22 29.61 44.78

11 2,500.00 3,000.00 1,483 56,818 2.09 80.10 4,332.81 38,016.43 0.26 2.24 6 274 1.52 69.37 890.86 15,975.94 1.14 20.36 20.56 42.02

12 3,000.00 4,000.00 2,164 58,982 3.05 83.15 8,065.36 46,081.80 0.48 2.71 16 290 4.05 73.42 1,889.31 17,865.25 2.41 22.77 23.42 38.77

13 4,000.00 5,000.00 1,428 60,410 2.01 85.17 6,873.93 52,955.72 0.40 3.12 12 302 3.04 76.46 2,345.77 20,211.02 2.99 25.76 34.13 38.17

14 5,000.00 7,500.00 2,269 62,679 3.20 88.36 14,582.21 67,537.93 0.86 3.98 17 319 4.30 80.76 6,785.60 26,996.62 8.65 34.40 46.53 39.97

15 7,500.00 10,000.00 1,211 63,890 1.71 90.07 11,057.45 78,595.38 0.65 4.63 11 330 2.78 83.54 1,500.08 28,496.70 1.91 36.31 13.57 36.26

16 10,000.00 20,000.00 2,415 66,305 3.40 93.48 34,845.90 113,441.28 2.05 6.68 16 346 4.05 87.59 10,274.74 38,771.45 13.09 49.41 29.49 34.18

17 20,000.00 50,000.00 2,105 68,410 2.97 96.44 68,942.87 182,384.14 4.06 10.74 17 363 4.30 91.90 15,009.48 53,780.93 19.13 68.53 21.77 29.49

18 50,000.00 100,000.00 1,038 69,448 1.46 97.91 76,935.71 259,319.86 4.53 15.27 13 376 3.29 95.19 6,918.68 60,699.60 8.82 77.35 8.99 23.41

19 100,000.00 500,000.00 1,136 70,584 1.60 99.51 248,816.50 508,136.36 14.65 29.93 14 390 3.54 98.73 5,337.23 66,036.84 6.80 84.15 2.15 13.00

20 500,000.00 UP 348 70,932 0.49 100.00 936,058.99 1,444,195.35 55.13 85.06 5 395 1.27 100.00 12,435.62 78,472.46 15.85 100.00 1.33 5.43

253,757.23 1,697,952.58 14.94 100.00 0 395 0.00 100.00 0.00 78,472.46 0.00 100.00 0.00 4.62

*) Undefined = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai satu resiko

* ) Undefined



ffff F F F F ∑(d)∑(d)∑(d)∑(d) PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rprprprp RP RP RP RP

∑(h)∑(h)∑(h)∑(h)



BANDBANDBANDBAND





ffff PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGERP RP RP RP

∑(p)∑(p)∑(p)∑(p)

F F F F

∑(l)∑(l)∑(l)∑(l)

rprprprp

Page 10






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 6,479 6,479 8.04 8.04 228.13 228.13 0.01 0.01 3 3 0.82 0.82 62.89 62.89 0.06 0.06 27.57 27.57

2 50.00 100.00 4,216 10,695 5.23 13.27 445.00 673.13 0.02 0.04 5 8 1.37 2.19 77.25 140.14 0.08 0.14 17.36 20.82

3 100.00 200.00 8,057 18,752 10.00 23.27 1,397.04 2,070.16 0.08 0.12 25 33 6.85 9.04 475.05 615.18 0.48 0.62 34.00 29.72

4 200.00 300.00 6,729 25,481 8.35 31.62 1,899.98 3,970.14 0.11 0.22 34 67 9.32 18.36 695.68 1,310.87 0.70 1.32 36.62 33.02

5 300.00 500.00 9,036 34,517 11.21 42.83 4,144.62 8,114.76 0.23 0.45 62 129 16.99 35.34 1,312.07 2,622.94 1.32 2.64 31.66 32.32

6 500.00 750.00 8,593 43,110 10.66 53.49 6,276.62 14,391.38 0.35 0.80 49 178 13.42 48.77 2,401.13 5,024.07 2.41 5.05 38.26 34.91

7 750.00 1,000.00 4,562 47,672 5.66 59.15 4,686.34 19,077.72 0.26 1.07 26 204 7.12 55.89 811.22 5,835.29 0.82 5.86 17.31 30.59

8 1,000.00 1,500.00 7,898 55,570 9.80 68.95 10,267.05 29,344.77 0.57 1.64 37 241 10.14 66.03 2,023.68 7,858.97 2.03 7.90 19.71 26.78

9 1,500.00 2,000.00 3,762 59,332 4.67 73.62 7,557.59 36,902.36 0.42 2.06 13 254 3.56 69.59 1,707.24 9,566.21 1.72 9.61 22.59 25.92

10 2,000.00 2,500.00 2,740 62,072 3.40 77.02 7,105.84 44,008.20 0.40 2.46 13 267 3.56 73.15 920.31 10,486.52 0.92 10.54 12.95 23.83

11 2,500.00 3,000.00 1,809 63,881 2.24 79.26 5,796.32 49,804.52 0.32 2.78 10 277 2.74 75.89 1,702.88 12,189.40 1.71 12.25 29.38 24.47

12 3,000.00 4,000.00 2,576 66,457 3.20 82.46 10,418.55 60,223.06 0.58 3.36 15 292 4.11 80.00 3,656.46 15,845.87 3.67 15.92 35.10 26.31

13 4,000.00 5,000.00 1,697 68,154 2.11 84.56 8,847.80 69,070.86 0.49 3.86 10 302 2.74 82.74 1,028.83 16,874.69 1.03 16.95 11.63 24.43

14 5,000.00 7,500.00 2,732 70,886 3.39 87.95 19,142.48 88,213.34 1.07 4.93 13 315 3.56 86.30 1,832.47 18,707.16 1.84 18.79 9.57 21.21

15 7,500.00 10,000.00 1,604 72,490 1.99 89.94 15,871.60 104,084.94 0.89 5.81 1 316 0.27 86.58 37.93 18,745.09 0.04 18.83 0.24 18.01

16 10,000.00 20,000.00 2,743 75,233 3.40 93.35 44,567.37 148,652.31 2.49 8.30 9 325 2.47 89.04 2,273.52 21,018.61 2.28 21.12 5.10 14.14

17 20,000.00 50,000.00 2,493 77,726 3.09 96.44 89,488.88 238,141.18 5.00 13.30 13 338 3.56 92.60 9,317.18 30,335.79 9.36 30.48 10.41 12.74

18 50,000.00 100,000.00 1,265 78,991 1.57 98.01 104,074.03 342,215.21 5.81 19.11 8 346 2.19 94.79 9,425.04 39,760.83 9.47 39.95 9.06 11.62

19 100,000.00 500,000.00 1,253 80,244 1.55 99.56 316,409.23 658,624.44 17.67 36.79 15 361 4.11 98.90 9,007.90 48,768.73 9.05 49.00 2.85 7.40

20 500,000.00 UP 351 80,595 0.44 100.00 997,037.38 1,655,661.82 55.69 92.48 2 363 0.55 99.45 728.31 49,497.03 0.73 49.73 0.07 2.99

134,657.31 1,790,319.13 7.52 100.00 2 365 0.55 100.00 50,036.26 99,533.30 50.27 100.00 37.16 5.56

*) Undefined = resiko multi lokasi yang karena kurang lengkapnya data yang kami terma, resiko tersebut tidak dapat kami identifikasi sebagai any one risk

ffff F F F F

∑(l)∑(l)∑(l)∑(l)

PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rprprprp RP RP RP RP

∑(p)∑(p)∑(p)∑(p)



GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.)

rprprprpffff F F F F ∑(d)∑(d)∑(d)∑(d) RP RP RP RP

∑(h)∑(h)∑(h)∑(h)

* ) Undefined

INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.)




BANDBANDBANDBAND




Page 10






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 8,466 8,466 12.94 12.94 227.97 227.97 0.02 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 4,856 13,322 7.42 20.36 317.39 545.35 0.03 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 7,065 20,387 10.80 31.16 1,013.27 1,558.62 0.09 0.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 5,109 25,496 7.81 38.97 1,427.45 2,986.07 0.13 0.28 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 6,576 32,072 10.05 49.02 3,068.26 6,054.32 0.28 0.56 1 1 20.00 20.00 20.00 20.00 0.16 0.16 0.65 0.33

6 500.00 750.00 8,866 40,938 13.55 62.58 6,684.17 12,738.50 0.62 1.18 0 1 0.00 20.00 0.00 20.00 0.00 0.16 0.00 0.16

7 750.00 1,000.00 4,012 44,950 6.13 68.71 4,160.53 16,899.03 0.39 1.57 0 1 0.00 20.00 0.00 20.00 0.00 0.16 0.00 0.12

8 1,000.00 1,500.00 4,526 49,476 6.92 75.63 6,540.16 23,439.19 0.61 2.17 1 2 20.00 40.00 50.00 70.00 0.41 0.57 0.76 0.30

9 1,500.00 2,000.00 2,550 52,026 3.90 79.52 5,160.78 28,599.97 0.48 2.65 0 2 0.00 40.00 0.00 70.00 0.00 0.57 0.00 0.24

10 2,000.00 2,500.00 1,859 53,885 2.84 82.37 4,919.00 33,518.97 0.46 3.11 0 2 0.00 40.00 0.00 70.00 0.00 0.57 0.00 0.21

11 2,500.00 3,000.00 1,149 55,034 1.76 84.12 3,756.33 37,275.30 0.35 3.46 0 2 0.00 40.00 0.00 70.00 0.00 0.57 0.00 0.19

12 3,000.00 4,000.00 1,636 56,670 2.50 86.62 6,698.58 43,973.88 0.62 4.08 0 2 0.00 40.00 0.00 70.00 0.00 0.57 0.00 0.16

13 4,000.00 5,000.00 1,107 57,777 1.69 88.32 5,988.92 49,962.80 0.56 4.63 0 2 0.00 40.00 0.00 70.00 0.00 0.57 0.00 0.14

14 5,000.00 7,500.00 1,656 59,433 2.53 90.85 11,861.17 61,823.97 1.10 5.73 0 2 0.00 40.00 0.00 70.00 0.00 0.57 0.00 0.11

15 7,500.00 10,000.00 1,103 60,536 1.69 92.53 11,452.10 73,276.07 1.06 6.79 2 4 40.00 80.00 1,701.87 1,771.87 13.90 14.47 14.86 2.42

16 10,000.00 20,000.00 1,695 62,231 2.59 95.12 27,646.12 100,922.19 2.56 9.36 0 4 0.00 80.00 0.00 1,771.87 0.00 14.47 0.00 1.76

17 20,000.00 50,000.00 1,477 63,708 2.26 97.38 54,474.40 155,396.58 5.05 14.41 0 4 0.00 80.00 0.00 1,771.87 0.00 14.47 0.00 1.14

18 50,000.00 100,000.00 694 64,402 1.06 98.44 60,019.95 215,416.53 5.57 19.97 0 4 0.00 80.00 0.00 1,771.87 0.00 14.47 0.00 0.82

19 100,000.00 500,000.00 786 65,188 1.20 99.64 206,280.71 421,697.24 19.13 39.10 0 4 0.00 80.00 0.00 1,771.87 0.00 14.47 0.00 0.42

20 500,000.00 UP 233 65,421 0.36 100.00 494,688.49 916,385.73 45.87 84.97 0 4 0.00 80.00 0.00 1,771.87 0.00 14.47 0.00 0.19

162,121.01 1,078,506.74 15.03 100.00 1 5 20.00 100.00 10,475.00 12,246.87 85.53 100.00 6.46 1.14






BANDBANDBANDBAND



PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE


rprprprpffff F F F F ∑(d)∑(d)∑(d)∑(d) PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rprprprp RP RP RP RP

∑(p)∑(p)∑(p)∑(p)

* ) Undefined

ffff F F F F

∑(l)∑(l)∑(l)∑(l)



RP RP RP RP

∑(h)∑(h)∑(h)∑(h)

Page 11


OCCUPATIONOCCUPATIONOCCUPATIONOCCUPATION : AGRICULTURAL: AGRICULTURAL: AGRICULTURAL: AGRICULTURAL



Table C.1Table C.1Table C.1Table C.1

BAND BAND BAND BAND

(d)/(d)/(d)/(d)/∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 29 29 5.47 5.47 0.73 0.73 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 26 55 4.91 10.38 1.96 2.69 0.03 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 35 90 6.60 16.98 4.96 7.65 0.07 0.11 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 14 104 2.64 19.62 4.11 11.76 0.06 0.17 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 29 133 5.47 25.09 12.18 23.94 0.17 0.34 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 35 168 6.60 31.70 19.75 43.69 0.28 0.62 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 17 185 3.21 34.91 16.94 60.63 0.24 0.86 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 27 212 5.09 40.00 33.24 93.87 0.47 1.33 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 18 230 3.40 43.40 28.10 121.97 0.40 1.72 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 16 246 3.02 46.42 42.13 164.10 0.60 2.32 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 15 261 2.83 49.25 44.52 208.62 0.63 2.95 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 15 276 2.83 52.08 56.45 265.07 0.80 3.75 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 20 296 3.77 55.85 97.15 362.22 1.37 5.12 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 46 342 8.68 64.53 294.61 656.83 4.17 9.29 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 39 381 7.36 71.89 321.92 978.75 4.55 13.84 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 71 452 13.40 85.28 895.85 1,874.60 12.67 26.51 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 39 491 7.36 92.64 1,483.78 3,358.38 20.98 47.49 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 35 526 6.60 99.25 3,098.47 6,456.85 43.82 91.31 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 4 530 0.75 100.00 614.82 7,071.67 8.69 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 0 530 - 100.00 - 7,071.67 - 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00



ffff



F F F F

∑(l)∑(l)∑(l)∑(l)

RP RP RP RP

∑(h)∑(h)∑(h)∑(h)



rprprprp PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE





∑(d)∑(d)∑(d)∑(d)





∑(p)∑(p)∑(p)∑(p)

Page 13


OCCUPATIONOCCUPATIONOCCUPATIONOCCUPATION : COMMERCIAL: COMMERCIAL: COMMERCIAL: COMMERCIAL




BAND BAND BAND BAND

(d)/(d)/(d)/(d)/ ∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/ ∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 4,162 4,162 13.85 13.85 117.73 117.73 0.04 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 2,549 6,711 8.48 22.33 221.31 339.04 0.07 0.11 2 2 5.13 5.13 82.34 82.34 0.63 0.63 37.20 24.28

3 100.00 200.00 3,833 10,544 12.76 35.09 688.66 1,027.70 0.22 0.32 3 5 7.69 12.82 153.49 235.83 1.18 1.82 22.29 22.95

4 200.00 300.00 2,818 13,362 9.38 44.47 825.41 1,853.11 0.26 0.58 4 9 10.26 23.08 165.57 401.39 1.28 3.09 20.06 21.66

5 300.00 500.00 3,344 16,706 11.13 55.59 1,803.22 3,656.33 0.57 1.15 2 11 5.13 28.21 484.14 885.53 3.73 6.82 26.85 24.22

6 500.00 750.00 2,008 18,714 6.68 62.28 1,504.55 5,160.88 0.47 1.62 2 13 5.13 33.33 186.58 1,072.11 1.44 8.26 12.40 20.77

7 750.00 1,000.00 1,572 20,286 5.23 67.51 1,736.35 6,897.23 0.55 2.17 3 16 7.69 41.03 430.89 1,503.00 3.32 11.58 24.82 21.79

8 1,000.00 1,500.00 1,882 22,168 6.26 73.77 3,731.63 10,628.86 1.17 3.34 5 21 12.82 53.85 2,388.50 3,891.51 18.40 29.98 64.01 36.61

9 1,500.00 2,000.00 1,131 23,299 3.76 77.53 2,294.47 12,923.33 0.72 4.06 2 23 5.13 58.97 1,319.55 5,211.06 10.17 40.15 57.51 40.32

10 2,000.00 2,500.00 768 24,067 2.56 80.09 1,953.76 14,877.09 0.61 4.67 3 26 7.69 66.67 110.07 5,321.13 0.85 41.00 5.63 35.77

11 2,500.00 3,000.00 608 24,675 2.02 82.11 1,944.65 16,821.74 0.61 5.28 1 27 2.56 69.23 87.14 5,408.27 0.67 41.67 4.48 32.15

12 3,000.00 4,000.00 824 25,499 2.74 84.86 3,401.54 20,223.29 1.07 6.35 2 29 5.13 74.36 378.91 5,787.18 2.92 44.59 11.14 28.62

13 4,000.00 5,000.00 669 26,168 2.23 87.08 3,624.49 23,847.77 1.14 7.49 0 29 0.00 74.36 0.00 5,787.18 0.00 44.59 0.00 24.27

14 5,000.00 7,500.00 843 27,011 2.81 89.89 6,552.06 30,399.83 2.06 9.55 2 31 5.13 79.49 5,249.54 11,036.73 40.45 85.04 80.12 36.31

15 7,500.00 10,000.00 499 27,510 1.66 91.55 5,222.94 35,622.78 1.64 11.19 0 31 0.00 79.49 0.00 11,036.73 0.00 85.04 0.00 30.98

16 10,000.00 20,000.00 951 28,461 3.16 94.71 17,097.27 52,720.04 5.37 16.56 2 33 5.13 84.62 690.94 11,727.66 5.32 90.36 4.04 22.25

17 20,000.00 50,000.00 891 29,352 2.97 97.68 38,521.47 91,241.51 12.10 28.65 1 34 2.56 87.18 348.13 12,075.79 2.68 93.04 0.90 13.23

18 50,000.00 100,000.00 388 29,740 1.29 98.97 39,041.30 130,282.82 12.26 40.91 1 35 2.56 89.74 1.90 12,077.69 0.01 93.06 0.00 9.27

19 100,000.00 500,000.00 274 30,014 0.91 99.88 83,096.80 213,379.62 26.10 67.01 4 39 10.26 100.00 901.33 12,979.02 6.94 100.00 1.08 6.08

20 500,000.00 UP 36 30,050 0.12 100.00 105,045.16 318,424.78 32.99 100.00 0 39 0.00 100.00 0.00 12,979.02 0.00 100.00 0.00 4.08







∑(d)∑(d)∑(d)∑(d)




∑(p)∑(p)∑(p)∑(p)


∑(h)∑(h)∑(h)∑(h)

GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) NUMBER OF RISKSNUMBER OF RISKSNUMBER OF RISKSNUMBER OF RISKS


PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE F F F F

∑(l)∑(l)∑(l)∑(l)

rprprprp

Page 14


OCCUPATIONOCCUPATIONOCCUPATIONOCCUPATION : INDUSTRIAL: INDUSTRIAL: INDUSTRIAL: INDUSTRIAL




BAND BAND BAND BAND

(d)/(d)/(d)/(d)/ ∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/ ∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 768 768 6.00 6.00 19.58 19.58 0.00 0.00 1 1 5.26 5.26 11.33 11.33 0.00 0.00 57.84 57.84

2 50.00 100.00 469 1,237 3.66 9.66 38.81 58.39 0.00 0.01 0 1 0.00 5.26 0.00 11.33 0.00 0.00 0.00 19.40

3 100.00 200.00 789 2,026 6.16 15.82 132.23 190.62 0.01 0.02 1 2 5.26 10.53 330.27 341.59 0.05 0.06 249.77 179.20

4 200.00 300.00 503 2,529 3.93 19.75 135.92 326.54 0.01 0.03 2 4 10.53 21.05 431.68 773.27 0.07 0.13 317.61 236.81

5 300.00 500.00 738 3,267 5.76 25.51 342.01 668.55 0.03 0.06 0 4 0.00 21.05 0.00 773.27 0.00 0.13 0.00 115.66

6 500.00 750.00 594 3,861 4.64 30.15 398.17 1,066.73 0.04 0.10 3 7 15.79 36.84 455.68 1,228.95 0.08 0.20 114.44 115.21

7 750.00 1,000.00 519 4,380 4.05 34.20 581.12 1,647.85 0.06 0.16 1 8 5.26 42.11 313.79 1,542.74 0.05 0.26 54.00 93.62

8 1,000.00 1,500.00 740 5,120 5.78 39.98 998.14 2,645.99 0.09 0.25 0 8 0.00 42.11 0.00 1,542.74 0.00 0.26 0.00 58.30

9 1,500.00 2,000.00 537 5,657 4.19 44.17 1,017.57 3,663.56 0.10 0.35 0 8 0.00 42.11 0.00 1,542.74 0.00 0.26 0.00 42.11

10 2,000.00 2,500.00 449 6,106 3.51 47.67 1,144.94 4,808.50 0.11 0.46 0 8 0.00 42.11 0.00 1,542.74 0.00 0.26 0.00 32.08

11 2,500.00 3,000.00 384 6,490 3.00 50.67 1,685.46 6,493.97 0.16 0.62 1 9 5.26 47.37 800.00 2,342.74 0.13 0.39 47.46 36.08

12 3,000.00 4,000.00 563 7,053 4.40 55.07 2,372.80 8,866.76 0.22 0.84 1 10 5.26 52.63 6.38 2,349.12 0.00 0.39 0.27 26.49

13 4,000.00 5,000.00 435 7,488 3.40 58.46 2,253.54 11,120.30 0.21 1.05 0 10 0.00 52.63 0.00 2,349.12 0.00 0.39 0.00 21.12

14 5,000.00 7,500.00 705 8,193 5.50 63.97 4,923.08 16,043.37 0.47 1.52 0 10 0.00 52.63 0.00 2,349.12 0.00 0.39 0.00 14.64

15 7,500.00 10,000.00 556 8,749 4.34 68.31 5,515.15 21,558.53 0.52 2.04 0 10 0.00 52.63 0.00 2,349.12 0.00 0.39 0.00 10.90

16 10,000.00 20,000.00 1,190 9,939 9.29 77.60 20,757.47 42,316.00 1.97 4.01 2 12 10.53 63.16 196.65 2,545.77 0.03 0.42 0.95 6.02

17 20,000.00 50,000.00 1,314 11,253 10.26 87.86 49,529.82 91,845.82 4.69 8.70 2 14 10.53 73.68 2.84 2,548.61 0.00 0.42 0.01 2.77

18 50,000.00 100,000.00 659 11,912 5.15 93.00 53,535.51 145,381.33 5.07 13.77 0 14 0.00 73.68 0.00 2,548.61 0.00 0.42 0.00 1.75

19 100,000.00 500,000.00 679 12,591 5.30 98.31 174,198.61 319,579.94 16.50 30.28 1 15 5.26 78.95 56.14 2,604.75 0.01 0.43 0.03 0.82

20 500,000.00 UP 217 12,808 1.69 100.00 735,879.49 1,055,459.43 69.72 100.00 4 19 21.05 100.00 601,238.98 603,843.73 99.57 100.00 81.70 57.21

PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE

INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) INCURRED CLAIM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.)

F F F F

∑(l)∑(l)∑(l)∑(l)

PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rprprprp RP RP RP RP

∑(p)∑(p)∑(p)∑(p)




∑(h)∑(h)∑(h)∑(h)

PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEBANDBANDBANDBAND

ffff

CLAIM FREQUENCYCLAIM FREQUENCYCLAIM FREQUENCYCLAIM FREQUENCY LOSS RATIOLOSS RATIOLOSS RATIOLOSS RATIOSUM INSURED (BAND) (In SUM INSURED (BAND) (In SUM INSURED (BAND) (In SUM INSURED (BAND) (In



ffffF F F F

∑(d)∑(d)∑(d)∑(d)



Page 15


OCCUPATIONOCCUPATIONOCCUPATIONOCCUPATION : RESIDENTIAL: RESIDENTIAL: RESIDENTIAL: RESIDENTIAL




BAND BAND BAND BAND

(d)/(d)/(d)/(d)/ ∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/ ∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 597 597 6.63 6.63 18.19 18.19 0.03 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 836 1,433 9.29 15.93 78.70 96.89 0.13 0.16 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 1,129 2,562 12.55 28.47 209.62 306.51 0.36 0.52 5 5 21.74 21.74 46.00 46.00 1.31 1.31 21.95 15.01

4 200.00 300.00 940 3,502 10.45 38.92 308.94 615.45 0.52 1.04 2 7 8.70 30.43 28.44 74.44 0.81 2.12 9.21 12.10

5 300.00 500.00 1,151 4,653 12.79 51.71 586.00 1,201.45 0.99 2.04 4 11 17.39 47.83 583.80 658.24 16.62 18.74 99.63 54.79

6 500.00 750.00 879 5,532 9.77 61.48 678.90 1,880.35 1.15 3.19 4 15 17.39 65.22 187.34 845.58 5.33 24.08 27.59 44.97

7 750.00 1,000.00 681 6,213 7.57 69.05 754.87 2,635.22 1.28 4.47 1 16 4.35 69.57 299.38 1,144.97 8.52 32.60 39.66 43.45

8 1,000.00 1,500.00 650 6,863 7.22 76.27 996.77 3,631.99 1.69 6.16 4 20 17.39 86.96 1,173.93 2,318.90 33.43 66.03 117.77 63.85

9 1,500.00 2,000.00 334 7,197 3.71 79.98 730.44 4,362.44 1.24 7.40 2 22 8.70 95.65 1,180.65 3,499.55 33.62 99.65 161.63 80.22

10 2,000.00 2,500.00 276 7,473 3.07 83.05 813.69 5,176.12 1.38 8.78 0 22 0.00 95.65 0.00 3,499.55 0.00 99.65 0.00 67.61

11 2,500.00 3,000.00 185 7,658 2.06 85.11 628.67 5,804.79 1.07 9.84 0 22 0.00 95.65 0.00 3,499.55 0.00 99.65 0.00 60.29

12 3,000.00 4,000.00 201 7,859 2.23 87.34 882.64 6,687.43 1.50 11.34 0 22 0.00 95.65 0.00 3,499.55 0.00 99.65 0.00 52.33

13 4,000.00 5,000.00 183 8,042 2.03 89.38 1,066.82 7,754.25 1.81 13.15 0 22 0.00 95.65 0.00 3,499.55 0.00 99.65 0.00 45.13

14 5,000.00 7,500.00 235 8,277 2.61 91.99 1,895.38 9,649.63 3.21 16.36 0 22 0.00 95.65 0.00 3,499.55 0.00 99.65 0.00 36.27

15 7,500.00 10,000.00 150 8,427 1.67 93.65 1,665.55 11,315.17 2.82 19.19 0 22 0.00 95.65 0.00 3,499.55 0.00 99.65 0.00 30.93

16 10,000.00 20,000.00 193 8,620 2.14 95.80 3,665.63 14,980.80 6.22 25.41 1 23 4.35 100.00 12.40 3,511.95 0.35 100.00 0.34 23.44

17 20,000.00 50,000.00 194 8,814 2.16 97.96 8,147.42 23,128.23 13.82 39.22 0 23 0.00 100.00 0.00 3,511.95 0.00 100.00 0.00 15.18

18 50,000.00 100,000.00 99 8,913 1.10 99.06 9,350.16 32,478.39 15.86 55.08 0 23 0.00 100.00 0.00 3,511.95 0.00 100.00 0.00 10.81

19 100,000.00 500,000.00 76 8,989 0.84 99.90 17,567.06 50,045.45 29.79 84.87 0 23 0.00 100.00 0.00 3,511.95 0.00 100.00 0.00 7.02

20 500,000.00 UP 9 8,998 0.10 100.00 8,921.43 58,966.87 15.13 100.00 0 23 0.00 100.00 0.00 3,511.95 0.00 100.00 0.00 5.96






∑(d)∑(d)∑(d)∑(d)


Million Rp.)Million Rp.)Million Rp.)Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.)




∑(p)∑(p)∑(p)∑(p)


∑(h)∑(h)∑(h)∑(h)FROMFROMFROMFROM TOTOTOTO


∑(l)∑(l)∑(l)∑(l)

rprprprp

Page 16






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 51 51 8.40 8.40 1.43 1.43 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 27 78 4.45 12.85 2.10 3.53 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 36 114 5.93 18.78 5.73 9.27 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 17 131 2.80 21.58 4.81 14.08 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 37 168 6.10 27.68 17.15 31.22 0.02 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 31 199 5.11 32.78 22.84 54.06 0.03 0.06 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 21 220 3.46 36.24 22.48 76.55 0.02 0.09 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 29 249 4.78 41.02 41.99 118.54 0.05 0.13 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 20 269 3.29 44.32 40.16 158.70 0.04 0.18 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 14 283 2.31 46.62 38.51 197.21 0.04 0.22 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 11 294 1.81 48.43 35.46 232.67 0.04 0.26 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 24 318 3.95 52.39 95.95 328.61 0.11 0.37 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 32 350 5.27 57.66 158.14 486.76 0.18 0.54 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 61 411 10.05 67.71 396.82 883.57 0.44 0.98 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 31 442 5.11 72.82 247.34 1,130.91 0.27 1.26 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 70 512 11.53 84.35 1,009.52 2,140.43 1.12 2.38 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 39 551 6.43 90.77 1,370.08 3,510.51 1.52 3.90 1 1 100.00 100.00 679.14 679.14 100.00 100.00 49.57 19.35

18 50,000.00 100,000.00 37 588 6.10 96.87 2,657.90 6,168.41 2.95 6.85 0 1 0.00 100.00 0.00 679.14 0.00 100.00 0.00 11.01

19 100,000.00 500,000.00 18 606 2.97 99.84 2,321.32 8,489.73 2.58 9.43 0 1 0.00 100.00 0.00 679.14 0.00 100.00 0.00 8.00

20 500,000.00 UP 1 607 0.16 100.00 81,510.96 90,000.69 90.57 100.00 0 1 0.00 100.00 0.00 679.14 0.00 100.00 0.00 0.75



ffff



F F F F

∑(l)∑(l)∑(l)∑(l)

RP RP RP RP

∑(h)∑(h)∑(h)∑(h)








∑(d)∑(d)∑(d)∑(d)





∑(p)∑(p)∑(p)∑(p)

Page 17






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/ ∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/ ∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 7,839 7,839 16.90 16.90 215.42 215.42 0.04 0.04 7 7 2.88 2.88 94.65 94.65 0.04 0.04 43.94 43.94

2 50.00 100.00 4,715 12,554 10.17 27.07 405.63 621.04 0.08 0.12 20 27 8.23 11.11 331.53 426.18 0.16 0.20 81.73 68.62

3 100.00 200.00 5,398 17,952 11.64 38.71 959.64 1,580.69 0.19 0.32 13 40 5.35 16.46 1,051.56 1,477.74 0.50 0.70 109.58 93.49

4 200.00 300.00 3,420 21,372 7.37 46.08 1,008.98 2,589.67 0.20 0.52 32 72 13.17 29.63 3,329.51 4,807.25 1.57 2.27 329.99 185.63

5 300.00 500.00 4,635 26,007 9.99 56.07 2,165.18 4,754.85 0.43 0.95 20 92 8.23 37.86 2,594.35 7,401.60 1.23 3.50 119.82 155.66

6 500.00 750.00 3,261 29,268 7.03 63.11 2,272.56 7,027.41 0.46 1.41 16 108 6.58 44.44 287.35 7,688.95 0.14 3.63 12.64 109.41

7 750.00 1,000.00 2,808 32,076 6.05 69.16 2,871.45 9,898.86 0.58 1.98 5 113 2.06 46.50 139.08 7,828.04 0.07 3.70 4.84 79.08

8 1,000.00 1,500.00 2,881 34,957 6.21 75.37 4,204.65 14,103.51 0.84 2.83 26 139 10.70 57.20 2,393.07 10,221.11 1.13 4.83 56.91 72.47

9 1,500.00 2,000.00 1,770 36,727 3.82 79.19 3,632.32 17,735.84 0.73 3.56 18 157 7.41 64.61 1,575.43 11,796.54 0.74 5.57 43.37 66.51

10 2,000.00 2,500.00 1,202 37,929 2.59 81.78 3,075.61 20,811.44 0.62 4.17 8 165 3.29 67.90 295.63 12,092.17 0.14 5.71 9.61 58.10

11 2,500.00 3,000.00 935 38,864 2.02 83.80 2,904.33 23,715.78 0.58 4.76 5 170 2.06 69.96 613.06 12,705.23 0.29 6.00 21.11 53.57

12 3,000.00 4,000.00 1,281 40,145 2.76 86.56 5,077.44 28,793.22 1.02 5.77 10 180 4.12 74.07 2,240.29 14,945.52 1.06 7.06 44.12 51.91

13 4,000.00 5,000.00 927 41,072 2.00 88.56 4,749.84 33,543.05 0.95 6.73 12 192 4.94 79.01 4,490.37 19,435.89 2.12 9.18 94.54 57.94

14 5,000.00 7,500.00 1,236 42,308 2.66 91.22 8,438.09 41,981.15 1.69 8.42 9 201 3.70 82.72 6,414.79 25,850.69 3.03 12.21 76.02 61.58

15 7,500.00 10,000.00 795 43,103 1.71 92.94 7,895.86 49,877.01 1.58 10.00 1 202 0.41 83.13 5.07 25,855.76 0.00 12.21 0.06 51.84

16 10,000.00 20,000.00 1,338 44,441 2.88 95.82 22,951.33 72,828.34 4.60 14.60 7 209 2.88 86.01 17,455.94 43,311.70 8.24 20.45 76.06 59.47

17 20,000.00 50,000.00 1,038 45,479 2.24 98.06 43,078.15 115,906.49 8.64 23.24 18 227 7.41 93.42 36,324.91 79,636.61 17.16 37.61 84.32 68.71

18 50,000.00 100,000.00 489 45,968 1.05 99.11 56,225.26 172,131.76 11.27 34.51 4 231 1.65 95.06 4,425.89 84,062.50 2.09 39.70 7.87 48.84

19 100,000.00 500,000.00 374 46,342 0.81 99.92 259,112.46 431,244.22 51.95 86.47 9 240 3.70 98.77 127,286.66 211,349.16 60.11 99.81 49.12 49.01

20 500,000.00 UP 37 46,379 0.08 100.00 67,502.54 498,746.76 13.53 100.00 3 243 1.23 100.00 394.20 211,743.36 0.19 100.00 0.58 42.46



∑(l)∑(l)∑(l)∑(l)


∑(p)∑(p)∑(p)∑(p)


∑(h)∑(h)∑(h)∑(h)








∑(d)∑(d)∑(d)∑(d)



Page 18






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/ ∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/ ∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 1,826 1,826 10.19 10.19 40.83 40.83 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 817 2,643 4.56 14.76 64.18 105.00 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 999 3,642 5.58 20.33 155.23 260.24 0.02 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 665 4,307 3.71 24.05 170.40 430.64 0.02 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 895 5,202 5.00 29.04 1,725.88 2,156.52 0.19 0.24 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 888 6,090 4.96 34.00 612.11 2,768.63 0.07 0.31 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 738 6,828 4.12 38.12 723.14 3,491.77 0.08 0.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 1,057 7,885 5.90 44.02 3,446.38 6,938.15 0.39 0.78 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 787 8,672 4.39 48.42 4,707.04 11,645.19 0.53 1.31 1 1 14.29 14.29 298.35 298.35 55.28 55.28 6.34 2.56

10 2,000.00 2,500.00 560 9,232 3.13 51.54 1,382.79 13,027.98 0.16 1.46 0 1 0.00 14.29 0.00 298.35 0.00 55.28 0.00 2.29

11 2,500.00 3,000.00 514 9,746 2.87 54.41 1,603.25 14,631.23 0.18 1.64 0 1 0.00 14.29 0.00 298.35 0.00 55.28 0.00 2.04

12 3,000.00 4,000.00 763 10,509 4.26 58.67 2,880.21 17,511.44 0.32 1.97 2 3 28.57 42.86 120.76 419.11 22.37 77.65 4.19 2.39

13 4,000.00 5,000.00 592 11,101 3.31 61.98 2,905.27 20,416.71 0.33 2.30 0 3 0.00 42.86 0.00 419.11 0.00 77.65 0.00 2.05

14 5,000.00 7,500.00 1,019 12,120 5.69 67.67 6,870.05 27,286.76 0.77 3.07 0 3 0.00 42.86 0.00 419.11 0.00 77.65 0.00 1.54

15 7,500.00 10,000.00 749 12,869 4.18 71.85 7,184.85 34,471.60 0.81 3.87 0 3 0.00 42.86 0.00 419.11 0.00 77.65 0.00 1.22

16 10,000.00 20,000.00 1,547 14,416 8.64 80.49 25,731.68 60,203.28 2.89 6.77 0 3 0.00 42.86 0.00 419.11 0.00 77.65 0.00 0.70

17 20,000.00 50,000.00 1,657 16,073 9.25 89.74 61,930.69 122,133.97 6.96 13.73 1 4 14.29 57.14 28.51 447.61 5.28 82.93 0.05 0.37

18 50,000.00 100,000.00 813 16,886 4.54 94.28 67,723.27 189,857.24 7.61 21.34 0 4 0.00 57.14 0.00 447.61 0.00 82.93 0.00 0.24

19 100,000.00 500,000.00 789 17,675 4.41 98.68 197,726.12 387,583.37 22.23 43.57 1 5 14.29 71.43 14.08 461.69 2.61 85.54 0.01 0.12

20 500,000.00 UP 236 17,911 1.32 100.00 502,033.15 889,616.51 56.43 100.00 2 7 28.57 100.00 78.03 539.72 14.46 100.00 0.02 0.06




ffffF F F F ∑(d)∑(d)∑(d)∑(d) PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE


RP RP RP RP

∑(p)∑(p)∑(p)∑(p)




∑(h)∑(h)∑(h)∑(h)

PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEBANDBANDBANDBAND

ffff




F F F F

∑(l)∑(l)∑(l)∑(l)

PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rprprprp

Page 19






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/ ∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/ ∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 1,355 1,355 7.79 7.79 36.59 36.59 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 1,501 2,856 8.63 16.42 138.72 175.32 0.03 0.04 1 1 4.55 4.55 10.96 10.96 0.52 0.52 7.90 6.25

3 100.00 200.00 2,778 5,634 15.97 32.39 514.25 689.57 0.12 0.16 6 7 27.27 31.82 102.84 113.81 4.90 5.42 20.00 16.50

4 200.00 300.00 2,050 7,684 11.79 44.18 622.52 1,312.09 0.15 0.31 3 10 13.64 45.45 117.97 231.78 5.62 11.04 18.95 17.66

5 300.00 500.00 2,582 10,266 14.85 59.02 1,259.16 2,571.25 0.29 0.60 3 13 13.64 59.09 29.58 261.36 1.41 12.45 2.35 10.16

6 500.00 750.00 1,678 11,944 9.65 68.67 1,266.54 3,837.80 0.30 0.89 4 17 18.18 77.27 254.27 515.63 12.11 24.56 20.08 13.44

7 750.00 1,000.00 1,162 13,106 6.68 75.35 1,269.36 5,107.16 0.30 1.19 2 19 9.09 86.36 66.83 582.46 3.18 27.74 5.26 11.40

8 1,000.00 1,500.00 1,027 14,133 5.90 81.26 1,576.47 6,683.63 0.37 1.56 1 20 4.55 90.91 28.99 611.45 1.38 29.12 1.84 9.15

9 1,500.00 2,000.00 618 14,751 3.55 84.81 1,337.26 8,020.89 0.31 1.87 0 20 0.00 90.91 0.00 611.45 0.00 29.12 0.00 7.62

10 2,000.00 2,500.00 375 15,126 2.16 86.97 984.63 9,005.52 0.23 2.10 1 21 4.55 95.45 1,393.21 2,004.67 66.35 95.48 141.50 22.26

11 2,500.00 3,000.00 310 15,436 1.78 88.75 1,024.88 10,030.40 0.24 2.34 0 21 0.00 95.45 0.00 2,004.67 0.00 95.48 0.00 19.99

12 3,000.00 4,000.00 348 15,784 2.00 90.75 1,456.61 11,487.01 0.34 2.68 0 21 0.00 95.45 0.00 2,004.67 0.00 95.48 0.00 17.45

13 4,000.00 5,000.00 317 16,101 1.82 92.57 1,729.21 13,216.22 0.40 3.08 0 21 0.00 95.45 0.00 2,004.67 0.00 95.48 0.00 15.17

14 5,000.00 7,500.00 368 16,469 2.12 94.69 2,568.93 15,785.15 0.60 3.68 0 21 0.00 95.45 0.00 2,004.67 0.00 95.48 0.00 12.70

15 7,500.00 10,000.00 192 16,661 1.10 95.79 2,126.94 17,912.10 0.50 4.18 0 21 0.00 95.45 0.00 2,004.67 0.00 95.48 0.00 11.19

16 10,000.00 20,000.00 313 16,974 1.80 97.59 5,339.04 23,251.14 1.24 5.42 1 22 4.55 100.00 95.00 2,099.67 4.52 100.00 1.78 9.03

17 20,000.00 50,000.00 229 17,203 1.32 98.91 9,390.76 32,641.90 2.19 7.61 0 22 0.00 100.00 0.00 2,099.67 0.00 100.00 0.00 6.43

18 50,000.00 100,000.00 100 17,303 0.57 99.48 10,046.35 42,688.25 2.34 9.95 0 22 0.00 100.00 0.00 2,099.67 0.00 100.00 0.00 4.92

19 100,000.00 500,000.00 77 17,380 0.44 99.93 21,512.18 64,200.43 5.02 14.97 0 22 0.00 100.00 0.00 2,099.67 0.00 100.00 0.00 3.27

20 500,000.00 UP 13 17,393 0.07 100.00 364,644.10 428,844.53 85.03 100.00 0 22 0.00 100.00 0.00 2,099.67 0.00 100.00 0.00 0.49



∑(l)∑(l)∑(l)∑(l)

rprprprp





∑(p)∑(p)∑(p)∑(p)


∑(h)∑(h)∑(h)∑(h)






∑(d)∑(d)∑(d)∑(d)



Page 20






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 18 18 3.44 3.44 0.86 0.86 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 6 24 1.15 4.59 0.53 1.39 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 15 39 2.87 7.46 2.26 3.65 0.02 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 7 46 1.34 8.80 1.83 5.48 0.02 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 16 62 3.06 11.85 7.30 12.77 0.07 0.12 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 29 91 5.54 17.40 21.28 34.05 0.20 0.33 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 20 111 3.82 21.22 21.00 55.05 0.20 0.53 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 23 134 4.40 25.62 34.29 89.34 0.33 0.86 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 16 150 3.06 28.68 31.94 121.28 0.31 1.17 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 12 162 2.29 30.98 25.23 146.51 0.24 1.41 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 11 173 2.10 33.08 30.91 177.42 0.30 1.71 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 33 206 6.31 39.39 92.13 269.55 0.89 2.60 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 32 238 6.12 45.51 103.05 372.60 0.99 3.59 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 72 310 13.77 59.27 440.21 812.82 4.24 7.83 1 1 50.00 50.00 250.00 250.00 50.00 50.00 56.79 30.76

15 7,500.00 10,000.00 24 334 4.59 63.86 199.24 1,012.06 1.92 9.75 1 2 50.00 100.00 250.00 500.00 50.00 100.00 125.47 49.40

16 10,000.00 20,000.00 70 404 13.38 77.25 893.48 1,905.54 8.61 18.35 0 2 0.00 100.00 0.00 500.00 0.00 100.00 0.00 26.24

17 20,000.00 50,000.00 52 456 9.94 87.19 1,740.30 3,645.84 16.76 35.12 0 2 0.00 100.00 0.00 500.00 0.00 100.00 0.00 13.71

18 50,000.00 100,000.00 36 492 6.88 94.07 2,652.67 6,298.51 25.55 60.67 0 2 0.00 100.00 0.00 500.00 0.00 100.00 0.00 7.94

19 100,000.00 500,000.00 31 523 5.93 100.00 4,083.43 10,381.94 39.33 100.00 0 2 0.00 100.00 0.00 500.00 0.00 100.00 0.00 4.82

20 500,000.00 UP 523 0.00 100.00 0.00 10,381.94 0.00 100.00 0 2 0.00 100.00 0.00 500.00 0.00 100.00 0.00 4.82

0.00 10,381.94 0.00 100.00 0 2 0.00 100.00 0.00 500.00 0.00 100.00 0.00 4.82

*) Undefined = resiko multi lokasi yang karena kurang lengkapnya data yang kami terima, resiko tersebut tidak dapat kami identifikasi sebagai satu risiko

* ) Undefined



BANDBANDBANDBAND ffff F F F F ∑(d)∑(d)∑(d)∑(d) PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE



rprprprp


F F F F

∑(l)∑(l)∑(l)∑(l)

RP RP RP RP

∑(h)∑(h)∑(h)∑(h)





RP RP RP RP

∑(p)∑(p)∑(p)∑(p)



ffff


Page 21






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/ ∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/ ∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 6,009 6,009 15.55 15.55 479.23 479.23 0.11 0.11 10 10 3.28 3.28 227.66 227.66 0.32 0.32 47.50 47.50

2 50.00 100.00 2,257 8,266 5.84 21.40 231.87 711.10 0.05 0.17 15 25 4.92 8.20 405.37 633.03 0.56 0.88 174.83 89.02

3 100.00 200.00 3,478 11,744 9.00 30.40 567.69 1,278.79 0.13 0.30 16 41 5.25 13.44 573.61 1,206.64 0.80 1.67 101.04 94.36

4 200.00 300.00 2,668 14,412 6.91 37.30 726.19 2,004.98 0.17 0.47 16 57 5.25 18.69 491.26 1,697.90 0.68 2.36 67.65 84.68

5 300.00 500.00 4,103 18,515 10.62 47.93 1,807.29 3,812.27 0.42 0.90 38 95 12.46 31.15 1,541.43 3,239.33 2.14 4.49 85.29 84.97

6 500.00 750.00 3,860 22,375 9.99 57.92 2,605.11 6,417.38 0.61 1.51 46 141 15.08 46.23 3,305.77 6,545.10 4.59 9.08 126.90 101.99

7 750.00 1,000.00 1,942 24,317 5.03 62.94 1,845.96 8,263.34 0.43 1.94 22 163 7.21 53.44 1,306.29 7,851.39 1.81 10.89 70.76 95.01

8 1,000.00 1,500.00 3,316 27,633 8.58 71.53 4,335.17 12,598.51 1.02 2.96 24 187 7.87 61.31 1,710.98 9,562.37 2.37 13.27 39.47 75.90

9 1,500.00 2,000.00 1,743 29,376 4.51 76.04 3,199.33 15,797.84 0.75 3.71 8 195 2.62 63.93 1,470.23 11,032.60 2.04 15.30 45.95 69.84

10 2,000.00 2,500.00 1,377 30,753 3.56 79.60 3,287.71 19,085.55 0.77 4.48 8 203 2.62 66.56 1,065.17 12,097.77 1.48 16.78 32.40 63.39

11 2,500.00 3,000.00 867 31,620 2.24 81.85 2,515.91 21,601.47 0.59 5.08 6 209 1.97 68.52 890.86 12,988.63 1.24 18.02 35.41 60.13

12 3,000.00 4,000.00 1,295 32,915 3.35 85.20 4,836.59 26,438.06 1.14 6.21 12 221 3.93 72.46 1,685.69 14,674.32 2.34 20.36 34.85 55.50

13 4,000.00 5,000.00 836 33,751 2.16 87.36 4,085.15 30,523.21 0.96 7.17 10 231 3.28 75.74 2,196.24 16,870.56 3.05 23.40 53.76 55.27

14 5,000.00 7,500.00 1,318 35,069 3.41 90.77 8,483.21 39,006.42 1.99 9.16 13 244 4.26 80.00 6,079.96 22,950.52 8.43 31.84 71.67 58.84

15 7,500.00 10,000.00 669 35,738 1.73 92.51 6,128.20 45,134.62 1.44 10.60 9 253 2.95 82.95 1,208.22 24,158.74 1.68 33.51 19.72 53.53

16 10,000.00 20,000.00 1,204 36,942 3.12 95.62 17,239.81 62,374.43 4.05 14.65 16 269 5.25 88.20 10,274.74 34,433.48 14.25 47.77 59.60 55.20

17 20,000.00 50,000.00 890 37,832 2.30 97.93 29,257.62 91,632.05 6.87 21.53 13 282 4.26 92.46 14,854.85 49,288.33 20.61 68.37 50.77 53.79

18 50,000.00 100,000.00 354 38,186 0.92 98.84 26,895.96 118,528.01 6.32 27.85 10 292 3.28 95.74 6,744.75 56,033.09 9.36 77.73 25.08 47.27

19 100,000.00 500,000.00 375 38,561 0.97 99.81 90,378.81 208,906.82 21.23 49.08 11 303 3.61 99.34 3,688.94 59,722.03 5.12 82.85 4.08 28.59

20 500,000.00 UP 72 38,633 0.19 100.00 138,464.35 347,371.17 32.53 81.61 2 305 0.66 100.00 12,364.75 72,086.78 17.15 100.00 8.93 20.75

78,272.65 425,643.82 18.39 100.00 0 305 0.00 100.00 0.00 72,086.78 0.00 100.00 0.00 16.94


* ) Undefined



∑(l)∑(l)∑(l)∑(l)


∑(p)∑(p)∑(p)∑(p)


∑(h)∑(h)∑(h)∑(h)







BANDBANDBANDBAND ffff F F F F ∑(d)∑(d)∑(d)∑(d)



Page 22






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/ ∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/ ∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 552 552 6.33 6.33 335.22 335.22 0.03 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 157 709 1.80 8.13 12.79 348.01 0.00 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 263 972 3.01 11.14 46.69 394.71 0.00 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 273 1,245 3.13 14.27 73.43 468.14 0.01 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 361 1,606 4.14 18.40 157.46 625.59 0.01 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 394 2,000 4.52 22.92 276.54 902.13 0.02 0.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 303 2,303 3.47 26.39 290.84 1,192.97 0.02 0.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 482 2,785 5.52 31.92 627.34 1,820.32 0.05 0.15 1 1 4.76 4.76 87.77 87.77 2.76 2.76 13.99 4.82

9 1,500.00 2,000.00 393 3,178 4.50 36.42 736.49 2,556.81 0.06 0.21 0 1 0.00 4.76 0.00 87.77 0.00 2.76 0.00 3.43

10 2,000.00 2,500.00 325 3,503 3.72 40.14 774.67 3,331.48 0.07 0.28 2 3 9.52 14.29 363.27 451.04 11.44 14.21 46.89 13.54

11 2,500.00 3,000.00 262 3,765 3.00 43.15 741.34 4,072.81 0.06 0.34 0 3 0.00 14.29 0.00 451.04 0.00 14.21 0.00 11.07

12 3,000.00 4,000.00 407 4,172 4.66 47.81 1,491.82 5,564.64 0.13 0.47 3 6 14.29 28.57 198.09 649.13 6.24 20.45 13.28 11.67

13 4,000.00 5,000.00 299 4,471 3.43 51.24 1,363.26 6,927.90 0.11 0.58 2 8 9.52 38.10 149.53 798.66 4.71 25.16 10.97 11.53

14 5,000.00 7,500.00 542 5,013 6.21 57.45 3,452.88 10,380.79 0.29 0.87 3 11 14.29 52.38 455.64 1,254.30 14.35 39.51 13.20 12.08

15 7,500.00 10,000.00 364 5,377 4.17 61.62 3,249.14 13,629.93 0.27 1.14 1 12 4.76 57.14 41.86 1,296.16 1.32 40.83 1.29 9.51

16 10,000.00 20,000.00 884 6,261 10.13 71.75 12,799.55 26,429.48 1.07 2.22 0 12 0.00 57.14 0.00 1,296.16 0.00 40.83 0.00 4.90

17 20,000.00 50,000.00 968 7,229 11.09 82.84 31,149.02 57,578.49 2.61 4.83 3 15 14.29 71.43 69.63 1,365.79 2.19 43.03 0.22 2.37

18 50,000.00 100,000.00 593 7,822 6.80 89.64 42,990.32 100,568.82 3.61 8.44 2 17 9.52 80.95 123.92 1,489.71 3.90 46.93 0.29 1.48

19 100,000.00 500,000.00 645 8,467 7.39 97.03 134,628.65 235,197.46 11.30 19.74 2 19 9.52 90.48 1,619.17 3,108.88 51.01 97.94 1.20 1.32

20 500,000.00 UP 259 8,726 2.97 100.00 781,165.98 1,016,363.45 65.57 85.31 2 21 9.52 100.00 65.37 3,174.25 2.06 100.00 0.01 0.31

175,039.22 1,191,402.66 14.69 100.00 0 21 0.00 100.00 0.00 3,174.25 0.00 100.00 0.00 0.27


* ) Undefined






RP RP RP RP

∑(p)∑(p)∑(p)∑(p)




∑(h)∑(h)∑(h)∑(h)

PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGEBANDBANDBANDBAND ffff




F F F F

∑(l)∑(l)∑(l)∑(l)

PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE rprprprp

Page 23






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/ ∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/ ∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 2,814 2,814 12.21 12.21 144.06 144.06 0.20 0.20 1 1 1.49 0.00 10.00 10.00 0.37 0.37 6.94 6.94

2 50.00 100.00 1,572 4,386 6.82 19.03 126.25 270.31 0.18 0.38 3 4 4.48 4.48 9.99 19.99 0.37 0.74 7.91 7.39

3 100.00 200.00 3,203 7,589 13.90 32.92 513.94 784.25 0.73 1.11 14 18 20.90 25.37 173.29 193.28 6.39 7.13 33.72 24.65

4 200.00 300.00 2,798 10,387 12.14 45.06 749.15 1,533.40 1.06 2.17 11 29 16.42 41.79 202.71 395.99 7.48 14.60 27.06 25.82

5 300.00 500.00 3,511 13,898 15.23 60.30 1,505.03 3,038.43 2.13 4.31 11 40 16.42 58.21 274.01 670.01 10.11 24.71 18.21 22.05

6 500.00 750.00 2,806 16,704 12.17 72.47 1,909.03 4,947.46 2.71 7.02 7 47 10.45 68.66 191.81 861.81 7.07 31.78 10.05 17.42

7 750.00 1,000.00 1,246 17,950 5.41 77.87 1,211.55 6,159.01 1.72 8.73 3 50 4.48 73.13 103.72 965.53 3.83 35.61 8.56 15.68

8 1,000.00 1,500.00 1,697 19,647 7.36 85.24 2,240.91 8,399.92 3.18 11.91 10 60 14.93 88.06 1,410.74 2,376.27 52.03 87.64 62.95 28.29

9 1,500.00 2,000.00 774 20,421 3.36 88.59 1,477.46 9,877.38 2.09 14.01 1 61 1.49 89.55 10.00 2,386.27 0.37 88.01 0.68 24.16

10 2,000.00 2,500.00 496 20,917 2.15 90.75 1,242.71 11,120.09 1.76 15.77 1 62 1.49 91.04 150.00 2,536.27 5.53 93.54 12.07 22.81

11 2,500.00 3,000.00 343 21,260 1.49 92.23 1,044.65 12,164.73 1.48 17.25 0 62 0.00 91.04 0.00 2,536.27 0.00 93.54 0.00 20.85

12 3,000.00 4,000.00 429 21,689 1.86 94.10 1,644.82 13,809.55 2.33 19.58 1 63 1.49 92.54 5.53 2,541.81 0.20 93.74 0.34 18.41

13 4,000.00 5,000.00 261 21,950 1.13 95.23 1,322.46 15,132.01 1.88 21.46 0 63 0.00 92.54 0.00 2,541.81 0.00 93.74 0.00 16.80

14 5,000.00 7,500.00 337 22,287 1.46 96.69 2,205.90 17,337.91 3.13 24.58 0 63 0.00 92.54 0.00 2,541.81 0.00 93.74 0.00 14.66

15 7,500.00 10,000.00 154 22,441 0.67 97.36 1,480.86 18,818.77 2.10 26.68 0 63 0.00 92.54 0.00 2,541.81 0.00 93.74 0.00 13.51

16 10,000.00 20,000.00 257 22,698 1.11 98.47 3,913.06 22,731.83 5.55 32.23 0 63 0.00 92.54 0.00 2,541.81 0.00 93.74 0.00 11.18

17 20,000.00 50,000.00 195 22,893 0.85 99.32 6,795.93 29,527.76 9.64 41.87 1 64 1.49 94.03 85.00 2,626.81 3.13 96.88 1.25 8.90

18 50,000.00 100,000.00 55 22,948 0.24 99.56 4,396.76 33,924.52 6.23 48.10 1 65 1.49 95.52 50.00 2,676.81 1.84 98.72 1.14 7.89

19 100,000.00 500,000.00 85 23,033 0.37 99.93 19,725.62 53,650.13 27.97 76.07 1 66 1.49 97.01 29.12 2,705.93 1.07 99.80 0.15 5.04

20 500,000.00 UP 17 23,050 0.07 100.00 16,428.66 70,078.80 23.30 99.37 1 67 1.49 98.51 5.50 2,711.43 0.20 100.00 0.03 3.87

445.36 70,524.16 0.63 100.00 0 67 0.00 98.51 0.00 2,711.43 0.00 100.00 0.00 3.84


* ) Undefined



∑(l)∑(l)∑(l)∑(l)

rprprprp





∑(p)∑(p)∑(p)∑(p)


∑(h)∑(h)∑(h)∑(h)








Page 24






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/ ∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/ ∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/ ∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 1 1 0.24 0.24 0.05 0.05 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 7 8 1.66 1.90 0.50 0.55 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 15 23 3.56 5.46 1.17 1.73 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 9 32 2.14 7.60 1.21 2.93 0.01 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 12 44 2.85 10.45 4.93 7.86 0.05 0.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 20 64 4.75 15.20 14.21 22.08 0.15 0.23 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 14 78 3.33 18.53 14.92 37.00 0.15 0.38 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 10 88 2.38 20.90 14.19 51.19 0.15 0.53 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 12 100 2.85 23.75 24.66 75.86 0.25 0.78 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 4 104 0.95 24.70 10.00 85.86 0.10 0.89 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 9 113 2.14 26.84 29.85 115.71 0.31 1.19 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 18 131 4.28 31.12 70.30 186.01 0.73 1.92 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 14 145 3.33 34.44 68.79 254.80 0.71 2.63 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 45 190 10.69 45.13 273.47 528.27 2.82 5.45 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 23 213 5.46 50.59 209.29 737.56 2.16 7.61 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 82 295 19.48 70.07 1,181.51 1,919.08 12.19 19.79 2 2 100.00 100.00 228.31 228.31 100.00 100.00 19.32 11.90

17 20,000.00 50,000.00 62 357 14.73 84.80 1,983.19 3,902.26 20.45 40.25 0 2 0.00 100.00 0.00 228.31 0.00 100.00 0.00 5.85

18 50,000.00 100,000.00 41 398 9.74 94.54 2,074.21 5,976.47 21.39 61.64 0 2 0.00 100.00 0.00 228.31 0.00 100.00 0.00 3.82

19 100,000.00 500,000.00 23 421 5.46 100.00 3,718.99 9,695.46 38.36 100.00 0 2 0.00 100.00 0.00 228.31 0.00 100.00 0.00 2.35

20 500,000.00 UP 0 421 0.00 100.00 0.00 9,695.46 0.00 100.00 0 2 0.00 100.00 0.00 228.31 0.00 100.00 0.00 2.35

0.00 9,695.46 0.00 100.00 0 2 0.00 100.00 0.00 228.31 0.00 100.00 0.00 2.35




BANDBANDBANDBAND ffff F F F F ∑(d)∑(d)∑(d)∑(d) PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE




∑(p)∑(p)∑(p)∑(p)


F F F F

∑(l)∑(l)∑(l)∑(l)

RP RP RP RP

∑(h)∑(h)∑(h)∑(h)





* ) Undefined



ffff


Page 25






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 3,274 3,274 8.85 8.85 94.89 94.89 0.03 0.03 1 1 0.44 0.44 13.73 13.73 0.02 0.02 14.47 14.47

2 50.00 100.00 1,933 5,207 5.23 14.08 184.88 279.77 0.06 0.08 2 3 0.88 1.32 32.95 46.68 0.04 0.05 17.82 16.68

3 100.00 200.00 3,389 8,596 9.16 23.25 569.81 849.58 0.17 0.26 7 10 3.08 4.41 104.81 151.48 0.12 0.17 18.39 17.83

4 200.00 300.00 2,761 11,357 7.47 30.71 773.03 1,622.60 0.23 0.49 10 20 4.41 8.81 158.92 310.41 0.17 0.34 20.56 19.13

5 300.00 500.00 3,857 15,214 10.43 41.14 1,741.45 3,364.06 0.53 1.02 31 51 13.66 22.47 712.12 1,022.53 0.78 1.13 40.89 30.40

6 500.00 750.00 4,051 19,265 10.96 52.10 2,913.36 6,277.42 0.88 1.91 22 73 9.69 32.16 1,378.78 2,401.31 1.52 2.64 47.33 38.25

7 750.00 1,000.00 2,292 21,557 6.20 58.30 2,324.36 8,601.78 0.71 2.61 20 93 8.81 40.97 635.42 3,036.73 0.70 3.34 27.34 35.30

8 1,000.00 1,500.00 3,491 25,048 9.44 67.74 4,943.30 13,545.08 1.50 4.11 33 126 14.54 55.51 1,812.82 4,849.55 2.00 5.34 36.67 35.80

9 1,500.00 2,000.00 1,960 27,008 5.30 73.04 3,891.65 17,436.73 1.18 5.29 11 137 4.85 60.35 1,587.03 6,436.58 1.75 7.08 40.78 36.91

10 2,000.00 2,500.00 1,465 28,473 3.96 77.00 3,768.15 21,204.88 1.14 6.44 12 149 5.29 65.64 795.31 7,231.89 0.88 7.96 21.11 34.10

11 2,500.00 3,000.00 915 29,388 2.47 79.47 2,917.40 24,122.27 0.89 7.32 8 157 3.52 69.16 1,550.38 8,782.27 1.71 9.67 53.14 36.41

12 3,000.00 4,000.00 1,389 30,777 3.76 83.23 5,629.71 29,751.99 1.71 9.03 13 170 5.73 74.89 3,531.64 12,313.91 3.89 13.55 62.73 41.39

13 4,000.00 5,000.00 881 31,658 2.38 85.61 4,556.50 34,308.49 1.38 10.42 6 176 2.64 77.53 585.53 12,899.44 0.64 14.20 12.85 37.60

14 5,000.00 7,500.00 1,415 33,073 3.83 89.44 9,872.90 44,181.40 3.00 13.41 13 189 5.73 83.26 1,832.47 14,731.91 2.02 16.22 18.56 33.34

15 7,500.00 10,000.00 749 33,822 2.03 91.47 7,414.25 51,595.65 2.25 15.67 1 190 0.44 83.70 37.93 14,769.84 0.04 16.26 0.51 28.63

16 10,000.00 20,000.00 1,248 35,070 3.37 94.84 20,205.61 71,801.26 6.13 21.80 5 195 2.20 85.90 1,038.71 15,808.55 1.14 17.40 5.14 22.02

17 20,000.00 50,000.00 1,063 36,133 2.87 97.71 38,302.88 110,104.14 11.63 33.43 8 203 3.52 89.43 6,969.14 22,777.70 7.67 25.07 18.19 20.69

18 50,000.00 100,000.00 421 36,554 1.14 98.85 34,786.82 144,890.96 10.56 43.99 8 211 3.52 92.95 9,425.04 32,202.74 10.37 35.44 27.09 22.23

19 100,000.00 500,000.00 373 36,927 1.01 99.86 96,357.09 241,248.05 29.26 73.25 12 223 5.29 98.24 7,885.93 40,088.67 8.68 44.12 8.18 16.62

20 500,000.00 UP 51 36,978 0.14 100.00 57,344.80 298,592.84 17.41 90.66 2 225 0.88 99.12 728.31 40,816.98 0.80 44.93 1.27 13.67

30,761.75 329,354.59 9.34 100.00 2 227 0.88 100.00 50,036.26 90,853.24 55.07 100.00 162.66 27.59



* ) Undefined





BANDBANDBANDBAND ffff F F F F ∑(d)∑(d)∑(d)∑(d) ffff PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE


GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) NUMBER OF RISKSNUMBER OF RISKSNUMBER OF RISKSNUMBER OF RISKSSUM INSURED (BAND) (In SUM INSURED (BAND) (In SUM INSURED (BAND) (In SUM INSURED (BAND) (In



∑(l)∑(l)∑(l)∑(l)


∑(p)∑(p)∑(p)∑(p)


∑(h)∑(h)∑(h)∑(h)

Page 26






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 275 275 2.32 2.32 8.96 8.96 0.00 0.00 1 1 11.11 11.11 19.16 19.16 0.80 0.80 213.84 213.84

2 50.00 100.00 499 774 4.22 6.54 44.28 53.24 0.00 0.00 0 1 0.00 11.11 0.00 19.16 0.00 0.80 0.00 35.98

3 100.00 200.00 767 1,541 6.48 13.03 139.02 192.26 0.01 0.01 0 1 0.00 11.11 0.00 19.16 0.00 0.80 0.00 9.96

4 200.00 300.00 399 1,940 3.37 16.40 113.18 305.44 0.01 0.02 1 2 11.11 22.22 10.00 29.16 0.42 1.21 8.84 9.55

5 300.00 500.00 515 2,455 4.35 20.75 276.54 581.98 0.02 0.04 0 2 0.00 22.22 0.00 29.16 0.00 1.21 0.00 5.01

6 500.00 750.00 578 3,033 4.89 25.64 413.85 995.83 0.03 0.08 1 3 11.11 33.33 18.53 47.69 0.77 1.99 4.48 4.79

7 750.00 1,000.00 371 3,404 3.14 28.77 371.71 1,367.54 0.03 0.11 0 3 0.00 33.33 0.00 47.69 0.00 1.99 0.00 3.49

8 1,000.00 1,500.00 1,722 5,126 14.56 43.33 1,382.09 2,749.63 0.11 0.21 0 3 0.00 33.33 0.00 47.69 0.00 1.99 0.00 1.73

9 1,500.00 2,000.00 435 5,561 3.68 47.01 886.62 3,636.25 0.07 0.28 0 3 0.00 33.33 0.00 47.69 0.00 1.99 0.00 1.31

10 2,000.00 2,500.00 384 5,945 3.25 50.25 997.90 4,634.15 0.08 0.36 0 3 0.00 33.33 0.00 47.69 0.00 1.99 0.00 1.03

11 2,500.00 3,000.00 306 6,251 2.59 52.84 971.53 5,605.68 0.07 0.43 0 3 0.00 33.33 0.00 47.69 0.00 1.99 0.00 0.85

12 3,000.00 4,000.00 414 6,665 3.50 56.34 1,686.41 7,292.09 0.13 0.56 0 3 0.00 33.33 0.00 47.69 0.00 1.99 0.00 0.65

13 4,000.00 5,000.00 308 6,973 2.60 58.94 1,646.65 8,938.74 0.13 0.69 0 3 0.00 33.33 0.00 47.69 0.00 1.99 0.00 0.53

14 5,000.00 7,500.00 650 7,623 5.49 64.44 4,543.58 13,482.32 0.35 1.04 0 3 0.00 33.33 0.00 47.69 0.00 1.99 0.00 0.35

15 7,500.00 10,000.00 432 8,055 3.65 68.09 4,264.90 17,747.22 0.33 1.36 0 3 0.00 33.33 0.00 47.69 0.00 1.99 0.00 0.27

16 10,000.00 20,000.00 1,025 9,080 8.66 76.75 16,717.18 34,464.40 1.29 2.65 1 4 11.11 44.44 6.50 54.19 0.27 2.26 0.04 0.16

17 20,000.00 50,000.00 1,117 10,197 9.44 86.20 40,386.64 74,851.04 3.11 5.76 5 9 55.56 100.00 2,348.04 2,402.22 97.74 100.00 5.81 3.21

18 50,000.00 100,000.00 668 10,865 5.65 91.84 54,612.75 129,463.79 4.20 9.96 0 9 0.00 100.00 0.00 2,402.22 0.00 100.00 0.00 1.86

19 100,000.00 500,000.00 700 11,565 5.92 97.76 170,252.39 299,716.18 13.09 23.05 0 9 0.00 100.00 0.00 2,402.22 0.00 100.00 0.00 0.80

20 500,000.00 UP 265 11,830 2.24 100.00 899,446.64 1,199,162.81 69.17 92.22 0 9 0.00 100.00 0.00 2,402.22 0.00 100.00 0.00 0.20

101,153.74 1,300,316.55 7.78 100.00 0 9 0.00 100.00 0.00 2,402.22 0.00 100.00 0.00 0.18







∑(h)∑(h)∑(h)∑(h)




* ) Undefined



F F F F

∑(l)∑(l)∑(l)∑(l)


∑(p)∑(p)∑(p)∑(p)FROMFROMFROMFROM TOTOTOTO

Page 27






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 2,929 2,929 9.34 9.34 124.23 124.23 0.08 0.08 1 1 0.79 0.00 30.00 30.00 0.50 0.50 24.15 24.15

2 50.00 100.00 1,777 4,706 5.67 15.00 215.34 339.57 0.14 0.22 3 4 2.36 2.36 44.30 74.30 0.73 1.23 20.57 21.88

3 100.00 200.00 3,886 8,592 12.39 27.39 687.04 1,026.60 0.46 0.68 18 22 14.17 16.54 370.24 444.54 6.12 7.35 53.89 43.30

4 200.00 300.00 3,560 12,152 11.35 38.74 1,012.57 2,039.17 0.67 1.35 23 45 18.11 34.65 526.76 971.30 8.71 16.06 52.02 47.63

5 300.00 500.00 4,652 16,804 14.83 53.57 2,121.68 4,160.85 1.41 2.76 31 76 24.41 59.06 599.95 1,571.25 9.92 25.97 28.28 37.76

6 500.00 750.00 3,944 20,748 12.57 66.15 2,935.19 7,096.05 1.94 4.70 26 102 20.47 79.53 1,003.82 2,575.07 16.59 42.57 34.20 36.29

7 750.00 1,000.00 1,885 22,633 6.01 72.16 1,975.88 9,071.93 1.31 6.01 6 108 4.72 84.25 175.80 2,750.87 2.91 45.47 8.90 30.32

8 1,000.00 1,500.00 2,675 25,308 8.53 80.69 3,927.47 12,999.40 2.60 8.61 4 112 3.15 87.40 210.87 2,961.73 3.49 48.96 5.37 22.78

9 1,500.00 2,000.00 1,355 26,663 4.32 85.01 2,754.65 15,754.05 1.82 10.44 2 114 1.57 88.98 120.21 3,081.94 1.99 50.95 4.36 19.56

10 2,000.00 2,500.00 887 27,550 2.83 87.83 2,329.79 18,083.83 1.54 11.98 1 115 0.79 89.76 125.00 3,206.94 2.07 53.01 5.37 17.73

11 2,500.00 3,000.00 579 28,129 1.85 89.68 1,877.55 19,961.38 1.24 13.22 2 117 1.57 91.34 152.50 3,359.44 2.52 55.53 8.12 16.83

12 3,000.00 4,000.00 755 28,884 2.41 92.09 3,032.12 22,993.50 2.01 15.23 2 119 1.57 92.91 124.82 3,484.26 2.06 57.60 4.12 15.15

13 4,000.00 5,000.00 494 29,378 1.57 93.66 2,575.85 25,569.35 1.71 16.94 4 123 3.15 96.06 443.30 3,927.56 7.33 64.92 17.21 15.36

14 5,000.00 7,500.00 622 30,000 1.98 95.64 4,452.53 30,021.88 2.95 19.89 0 123 0.00 96.06 0.00 3,927.56 0.00 64.92 0.00 13.08

15 7,500.00 10,000.00 400 30,400 1.28 96.92 3,983.16 34,005.04 2.64 22.53 0 123 0.00 96.06 0.00 3,927.56 0.00 64.92 0.00 11.55

16 10,000.00 20,000.00 388 30,788 1.24 98.16 6,463.07 40,468.11 4.28 26.81 1 124 0.79 96.85 1,000.00 4,927.56 16.53 81.45 15.47 12.18

17 20,000.00 50,000.00 251 31,039 0.80 98.96 8,816.17 49,284.27 5.84 32.65 0 124 0.00 96.85 0.00 4,927.56 0.00 81.45 0.00 10.00

18 50,000.00 100,000.00 135 31,174 0.43 99.39 12,600.25 61,884.52 8.35 41.00 0 124 0.00 96.85 0.00 4,927.56 0.00 81.45 0.00 7.96

19 100,000.00 500,000.00 157 31,331 0.50 99.89 46,080.76 107,965.28 30.53 71.52 3 127 2.36 99.21 1,121.97 6,049.53 18.55 100.00 2.43 5.60

20 500,000.00 UP 35 31,366 0.11 100.00 40,245.95 148,211.23 26.66 98.18 0 127 0.00 99.21 0.00 6,049.53 0.00 100.00 0.00 4.08

2,741.83 150,953.06 1.82 100.00 0 127 0.00 99.21 0.00 6,049.53 0.00 100.00 0.00 4.01


TOTOTOTO


∑(l)∑(l)∑(l)∑(l)

rprprprp






∑(p)∑(p)∑(p)∑(p)


∑(h)∑(h)∑(h)∑(h)FROMFROMFROMFROM

* ) Undefined






Page 28






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/ ∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/ ∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/ ∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 3 3 0.86 0.86 0.22 0.22 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 3 6 0.86 1.72 0.21 0.42 0.00 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 37 43 10.60 12.32 3.80 4.22 0.07 0.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 18 61 5.16 17.48 4.00 8.23 0.07 0.15 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 18 79 5.16 22.64 8.06 16.29 0.14 0.29 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 11 90 3.15 25.79 6.91 23.20 0.12 0.41 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 7 97 2.01 27.79 6.73 29.93 0.12 0.53 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 21 118 6.02 33.81 28.17 58.11 0.50 1.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 12 130 3.44 37.25 21.81 79.92 0.39 1.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 13 143 3.72 40.97 33.80 113.72 0.60 2.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 11 154 3.15 44.13 30.82 144.54 0.55 2.58 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 15 169 4.30 48.42 55.73 200.27 1.00 3.58 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 30 199 8.60 57.02 150.46 350.73 2.69 6.27 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 20 219 5.73 62.75 128.98 479.71 2.30 8.57 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 19 238 5.44 68.19 131.01 610.72 2.34 10.91 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 52 290 14.90 83.09 545.30 1,156.02 9.74 20.66 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 42 332 12.03 95.13 1,469.62 2,625.64 26.26 46.92 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 8 340 2.29 97.42 632.38 3,258.02 11.30 58.22 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 8 348 2.29 99.71 1,104.03 4,362.05 19.73 77.94 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 1 349 0.29 100.00 1,233.70 5,595.75 22.04 99.99 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.71 5,596.46 0.01 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


* ) Undefined



ffff



F F F F

∑(l)∑(l)∑(l)∑(l)

RP RP RP RP

∑(h)∑(h)∑(h)∑(h)







BANDBANDBANDBAND ffff F F F F

∑(d)∑(d)∑(d)∑(d)





∑(p)∑(p)∑(p)∑(p)

Page 29






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 6,096 6,096 15.79 15.79 130.85 130.85 0.05 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 3,415 9,511 8.84 24.63 174.60 305.45 0.06 0.11 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 4,156 13,667 10.76 35.39 498.25 803.71 0.18 0.29 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 2,540 16,207 6.58 41.97 656.97 1,460.68 0.23 0.52 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 3,389 19,596 8.78 50.74 1,538.38 2,999.06 0.55 1.07 1 1 25.00 25.00 20.00 20.00 2.29 0.18 1.30 0.67

6 500.00 750.00 5,977 25,573 15.48 66.22 4,519.69 7,518.75 1.61 2.68 0 1 0.00 25.00 0.00 20.00 0.00 0.18 0.00 0.27

7 750.00 1,000.00 2,634 28,207 6.82 73.04 2,691.96 10,210.71 0.96 3.63 0 1 0.00 25.00 0.00 20.00 0.00 0.18 0.00 0.20

8 1,000.00 1,500.00 2,591 30,798 6.71 79.75 3,685.69 13,896.39 1.31 4.95 1 2 25.00 50.00 50.00 70.00 5.73 0.62 1.36 0.50

9 1,500.00 2,000.00 1,364 32,162 3.53 83.28 2,702.96 16,599.35 0.96 5.91 0 2 0.00 50.00 0.00 70.00 0.00 0.62 0.00 0.42

10 2,000.00 2,500.00 1,037 33,199 2.69 85.97 2,673.62 19,272.97 0.95 6.86 0 2 0.00 50.00 0.00 70.00 0.00 0.62 0.00 0.36

11 2,500.00 3,000.00 608 33,807 1.57 87.54 1,945.15 21,218.13 0.69 7.55 0 2 0.00 50.00 0.00 70.00 0.00 0.62 0.00 0.33

12 3,000.00 4,000.00 899 34,706 2.33 89.87 3,632.29 24,850.42 1.29 8.85 0 2 0.00 50.00 0.00 70.00 0.00 0.62 0.00 0.28

13 4,000.00 5,000.00 579 35,285 1.50 91.37 3,099.07 27,949.49 1.10 9.95 0 2 0.00 50.00 0.00 70.00 0.00 0.62 0.00 0.25

14 5,000.00 7,500.00 878 36,163 2.27 93.64 6,223.24 34,172.73 2.22 12.16 0 2 0.00 50.00 0.00 70.00 0.00 0.62 0.00 0.20

15 7,500.00 10,000.00 409 36,572 1.06 94.70 4,037.65 38,210.38 1.44 13.60 1 3 25.00 75.00 801.87 871.87 91.97 7.68 19.86 2.28

16 10,000.00 20,000.00 823 37,395 2.13 96.83 13,219.53 51,429.91 4.71 18.31 0 3 0.00 75.00 0.00 871.87 0.00 7.68 0.00 1.70

17 20,000.00 50,000.00 693 38,088 1.79 98.63 24,521.14 75,951.04 8.73 27.04 0 3 0.00 75.00 0.00 871.87 0.00 7.68 0.00 1.15

18 50,000.00 100,000.00 248 38,336 0.64 99.27 20,195.63 96,146.68 7.19 34.22 0 3 0.00 75.00 0.00 871.87 0.00 7.68 0.00 0.91

19 100,000.00 500,000.00 242 38,578 0.63 99.90 61,153.67 157,300.35 21.77 55.99 0 3 0.00 75.00 0.00 871.87 0.00 7.68 0.00 0.55

20 500,000.00 UP 40 38,618 0.10 100.00 50,299.28 207,599.63 17.90 73.90 0 3 0.00 75.00 0.00 871.87 0.00 7.68 0.00 0.42

73,333.54 280,933.17 26.10 100.00 1 4 25.00 100.00 10,475.00 11,346.87 92.32 100.00 14.28 4.04



∑(l)∑(l)∑(l)∑(l)


∑(p)∑(p)∑(p)∑(p)


∑(h)∑(h)∑(h)∑(h)

ffff PERCENTAGEPERCENTAGEPERCENTAGEPERCENTAGE


GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) GROSS PREMIUM (In Million Rp.) NUMBER OF RISKSNUMBER OF RISKSNUMBER OF RISKSNUMBER OF RISKSSUM INSURED (BAND) (In SUM INSURED (BAND) (In SUM INSURED (BAND) (In SUM INSURED (BAND) (In



* ) Undefined





BANDBANDBANDBAND ffff F F F F

∑(d)∑(d)∑(d)∑(d)

Page 30






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 253 253 4.42 4.42 7.91 7.91 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 341 594 5.95 10.37 23.00 30.91 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 246 840 4.29 14.66 35.66 66.58 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 157 997 2.74 17.41 48.20 114.78 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 205 1,202 3.58 20.98 139.06 253.84 0.02 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 248 1,450 4.33 25.31 185.56 439.39 0.03 0.06 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 167 1,617 2.92 28.23 179.92 619.32 0.03 0.09 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 279 1,896 4.87 33.10 403.32 1,022.63 0.06 0.15 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 260 2,156 4.54 37.64 548.32 1,570.96 0.08 0.23 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 225 2,381 3.93 41.57 597.90 2,168.86 0.09 0.32 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 149 2,530 2.60 44.17 494.90 2,663.76 0.07 0.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 237 2,767 4.14 48.31 974.55 3,638.31 0.14 0.54 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 197 2,964 3.44 51.75 1,059.37 4,697.68 0.16 0.69 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 413 3,377 7.21 58.96 3,006.86 7,704.54 0.44 1.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 236 3,613 4.12 63.08 2,429.23 10,133.77 0.36 1.50 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 583 4,196 10.18 73.25 9,846.81 19,980.58 1.45 2.95 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 580 4,776 10.13 83.38 22,295.75 42,276.33 3.29 6.24 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 368 5,144 6.42 89.80 32,063.46 74,339.79 4.73 10.97 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 420 5,564 7.33 97.14 109,415.74 183,755.53 16.14 27.11 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 164 5,728 2.86 100.00 405,325.03 589,080.55 59.80 86.92 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

88,673.64 677,754.19 13.08 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


* ) Undefined



F F F F

∑(l)∑(l)∑(l)∑(l)


∑(p)∑(p)∑(p)∑(p)FROMFROMFROMFROM TOTOTOTO





∑(h)∑(h)∑(h)∑(h)




ffffF F F F

∑(d)∑(d)∑(d)∑(d)



Page 31






BAND BAND BAND BAND

(d)/(d)/(d)/(d)/∑(d)∑(d)∑(d)∑(d)

CUM. CUM. CUM. CUM.

∑(f)∑(f)∑(f)∑(f)

BAND BAND BAND BAND

(i)/(i)/(i)/(i)/ ∑(i)∑(i)∑(i)∑(i)

CUM. CUM. CUM. CUM.

∑(j)∑(j)∑(j)∑(j)

BAND BAND BAND BAND

(m)/(m)/(m)/(m)/∑(m)∑(m)∑(m)∑(m)

CUM. CUM. CUM. CUM.

∑(n)∑(n)∑(n)∑(n)

BAND BAND BAND BAND

(q)/(q)/(q)/(q)/∑(q)∑(q)∑(q)∑(q)

CUM. CUM. CUM. CUM.

∑(r)∑(r)∑(r)∑(r)

BAND BAND BAND BAND

(p)/(h)(p)/(h)(p)/(h)(p)/(h)

CUM. CUM. CUM. CUM.

(q)/(i)(q)/(i)(q)/(i)(q)/(i)


1 0.00 50.00 2,114 2,114 10.20 10.20 88.99 88.99 0.08 0.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 1,097 3,211 5.29 15.49 119.58 208.56 0.10 0.18 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 2,626 5,837 12.67 28.16 475.55 684.11 0.42 0.60 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 2,394 8,231 11.55 39.71 718.27 1,402.39 0.63 1.23 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 2,964 11,195 14.30 54.01 1,382.75 2,785.14 1.21 2.44 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 2,630 13,825 12.69 66.70 1,972.02 4,757.15 1.73 4.16 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 1,204 15,029 5.81 72.51 1,281.92 6,039.07 1.12 5.29 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 1,635 16,664 7.89 80.40 2,422.98 8,462.05 2.12 7.41 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 914 17,578 4.41 84.81 1,887.69 10,349.74 1.65 9.06 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 584 18,162 2.82 87.63 1,613.67 11,963.42 1.41 10.47 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 381 18,543 1.84 89.47 1,285.46 13,248.88 1.13 11.60 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 485 19,028 2.34 91.81 2,036.00 15,284.88 1.78 13.38 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 301 19,329 1.45 93.26 1,680.03 16,964.91 1.47 14.85 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 345 19,674 1.66 94.92 2,502.09 19,466.99 2.19 17.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 439 20,113 2.12 97.04 4,854.21 24,321.20 4.25 21.29 1 1 100.00 100.00 900.00 900.00 100.00 100.00 18.54 3.70

16 10,000.00 20,000.00 237 20,350 1.14 98.19 4,034.49 28,355.69 3.53 24.82 0 1 0.00 100.00 0.00 900.00 0.00 100.00 0.00 3.17

17 20,000.00 50,000.00 162 20,512 0.78 98.97 6,187.89 34,543.57 5.42 30.24 0 1 0.00 100.00 0.00 900.00 0.00 100.00 0.00 2.61

18 50,000.00 100,000.00 70 20,582 0.34 99.31 7,128.48 41,672.05 6.24 36.48 0 1 0.00 100.00 0.00 900.00 0.00 100.00 0.00 2.16

19 100,000.00 500,000.00 116 20,698 0.56 99.86 34,607.26 76,279.32 30.30 66.78 0 1 0.00 100.00 0.00 900.00 0.00 100.00 0.00 1.18

20 500,000.00 UP 28 20,726 0.14 100.00 37,830.48 114,109.80 33.12 99.90 0 1 0.00 100.00 0.00 900.00 0.00 100.00 0.00 0.79

113.12 114,222.92 0.10 100.00 0 1 0.00 100.00 0.00 900.00 0.00 100.00 0.00 0.79


* ) Undefined






∑(d)∑(d)∑(d)∑(d)






∑(p)∑(p)∑(p)∑(p)


∑(h)∑(h)∑(h)∑(h)FROMFROMFROMFROM TOTOTOTO


∑(l)∑(l)∑(l)∑(l)

rprprprp

Page 32

Table DTable DTable DTable D

In IDR

Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in % Amount Amount Amount Amount in %in %in %in %

Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 2,991,848,354,112.28 19,558,587,948,251.30 22,511,462,272,822.40 20,553,332,334,311.80 457,777,386,364.79

MedanMedanMedanMedan 1.21.21.21.2 22,075,325,650,910.40 28,137,089,340,559.10 37,139,870,419,789.80 44,990,183,657,939.70 29,849,329,163,320.90

OthersOthersOthersOthers 1.31.31.31.3 5,667,286,023,328.51 9,665,997,686,081.70 10,391,381,828,126.30 20,149,621,775,195.30 6,536,654,312,373.99

North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 30,734,460,028,351.20 3% 57,361,674,974,892.10 4% 70,042,714,520,738.40 5% 85,693,137,767,446.80 6% 36,843,760,862,059.60 4%

PadangPadangPadangPadang 2.12.12.12.1 4,496,181,461,155.24 5,246,554,344,258.29 3,981,905,763,629.38 4,882,241,123,646.37 2,971,695,937,220.10

PalembangPalembangPalembangPalembang 2.22.22.22.2 4,168,162,658,556.74 26,044,328,687,045.10 31,954,073,322,718.70 28,960,509,757,922.50 5,211,807,043,157.29


South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 74,943,659,433,554.10 7% 116,369,516,132,581.00 7% 191,022,699,123,599.00 13% 168,755,224,325,600.00 11% 115,363,550,460,116.00 13%

DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 251,714,493,296,035.00 512,361,820,196,686.00 273,024,244,186,397.00 263,724,991,375,479.00 175,587,277,284,436.00

Bandung Bandung Bandung Bandung 3.23.23.23.2 16,508,515,487,421.80 26,489,234,747,708.70 39,104,147,652,967.80 32,598,640,859,200.20 23,061,421,033,548.10


DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 610,546,988,212,098.00 60% 950,067,193,214,598.00 61% 675,338,798,712,646.00 45% 701,424,628,726,651.00 46% 450,867,536,488,190.00 52%

SemarangSemarangSemarangSemarang 4.14.14.14.1 16,588,538,908,965.30 17,931,045,050,876.00 27,264,253,911,478.30 24,826,718,701,264.90 15,969,677,894,665.90

YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 1,997,020,191,309.11 3,796,006,609,950.96 4,357,766,554,119.46 4,892,558,725,065.21 6,025,164,467,366.45


DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 38,247,750,411,955.10 4% 77,251,276,312,250.30 5% 122,972,046,849,616.00 8% 118,639,553,833,303.00 8% 44,390,650,291,211.10 5%

SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 36,209,735,602,406.10 42,691,740,623,228.50 38,003,239,857,239.50 37,562,512,183,590.40 37,110,500,156,709.70


East JavaEast JavaEast JavaEast Java 5555 153,052,516,214,254.00 15% 155,272,807,293,668.00 10% 208,437,056,897,971.00 14% 208,783,973,287,948.00 14% 137,224,849,691,382.00 16%

KalimantanKalimantanKalimantanKalimantan 6666 35,688,923,265,648.50 3% 126,317,167,129,982.00 8% 141,876,950,069,479.00 9% 139,274,438,263,881.00 9% 46,979,871,747,006.50 5%

Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 3,783,478,434,329.72 6,185,748,726,847.72 10,008,337,393,516.60 13,061,117,944,003.00 3,340,597,571,339.09


SulawesiSulawesiSulawesiSulawesi 7777 49,133,862,157,454.90 5% 49,764,520,217,854.70 3% 53,469,006,628,462.30 4% 53,209,721,134,079.00 4% 11,711,034,137,506.30 1%

Other IslandOther IslandOther IslandOther Island 8888 30,382,692,050,748.90 3% 24,906,824,288,087.00 2% 36,617,904,966,204.00 2% 34,062,254,927,258.50 2% 28,515,315,384,256.60 3%

1,022,730,851,774,060.00 100% 1,557,310,979,563,910.00 100% 1,499,777,177,768,720.00 100% 1,509,842,932,266,170.00 100% 871,896,569,061,728.00 100%

U/Y 2008U/Y 2008U/Y 2008U/Y 2008CRESTA ZONECRESTA ZONECRESTA ZONECRESTA ZONE

NATIONAL AGGREGATE EXPOSURES

AS AT 31st DECEMBER 2008

U/Y 2007U/Y 2007U/Y 2007U/Y 2007

T O T A LT O T A LT O T A LT O T A L

U/Y 2006U/Y 2006U/Y 2006U/Y 2006U/Y 2004U/Y 2004U/Y 2004U/Y 2004 U/Y 2005U/Y 2005U/Y 2005U/Y 2005

Page 33

National Agregate Exposure

As at 31 December 2008

In Billions IDR

Grafik D

0

100,000

200,000

300,000

400,000

500,000

600,000

1.1 1.2 1.3 2.1 2.2 2.3 3.1 3.2 3.3 4.1 4.2 4.3 5.1 5.2 6 7.1 7.2 8

2004

2005

2006

2007

2008

Table ETable ETable ETable E

In IDR


Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 2,673,205,363.03 1,442,695,025.82 26,906,244,945.41 24,535,210,442.98 569,459,454.03

MedanMedanMedanMedan 1.21.21.21.2 25,942,706,361.36 47,324,344,212.47 43,184,656,947.30 50,220,975,870.20 36,225,064,458.46

OthersOthersOthersOthers 1.31.31.31.3 6,339,735,887.24 10,685,128,215.06 11,423,310,711.82 22,046,639,836.94 8,224,281,761.84

North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 34,955,647,611.62 2% 59,452,167,453.35 3% 81,514,212,604.53 5% 96,802,826,150.11 5% 45,018,805,674.33 4%

PadangPadangPadangPadang 2.12.12.12.1 5,572,534,535.77 5,915,742,165.67 4,624,144,214.94 5,279,730,050.00 3,443,691,043.16

PalembangPalembangPalembangPalembang 2.22.22.22.2 3,828,324,475.65 24,200,965,654.40 34,357,004,772.98 31,239,348,323.77 5,801,599,908.06


South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 86,583,795,280.54 6% 96,617,988,353.29 5% 195,740,822,851.12 12% 182,600,457,574.57 10% 128,297,127,317.90 12%

DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 377,869,820,975.17 742,448,593,077.71 325,563,596,765.85 336,301,391,812.90 239,991,864,953.14

Bandung Bandung Bandung Bandung 3.23.23.23.2 20,359,994,555.77 47,570,832,732.21 44,594,858,636.31 38,595,259,333.45 29,129,998,081.19


DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 869,442,260,230.15 60% 1,292,354,949,899.73 68% 767,237,536,371.24 45% 846,174,258,700.90 47% 582,318,897,521.26 54%

SemarangSemarangSemarangSemarang 4.14.14.14.1 16,127,729,948.25 37,844,947,865.56 31,801,759,472.88 29,450,463,310.45 19,940,072,897.48

YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 2,250,004,629.68 4,724,013,608.48 5,211,433,944.74 5,887,946,286.56 6,657,394,776.73


DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 40,171,410,083.63 3% 66,140,810,822.69 3% 142,508,964,187.06 8% 142,023,389,921.11 8% 54,521,931,704.11 5%

SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 44,424,144,430.55 57,987,665,454.16 44,480,594,419.84 46,077,476,525.76 42,249,236,543.90


East JavaEast JavaEast JavaEast Java 5555 175,537,881,051.19 12% 202,671,028,323.84 11% 241,788,429,953.25 14% 251,959,666,343.24 14% 164,178,558,030.57 15%

KalimantanKalimantanKalimantanKalimantan 6666 48,212,059,875.86 3% 85,751,921,895.05 4% 163,792,523,186.92 10% 165,157,953,154.42 9% 53,552,286,857.33 5%

Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 4,741,182,210.11 24,012,146,214.11 11,748,114,733.16 15,716,353,216.22 4,356,639,372.62


SulawesiSulawesiSulawesiSulawesi 7777 136,794,651,399.59 10% 67,443,389,431.35 4% 61,707,527,484.58 4% 63,641,421,940.51 4% 14,298,036,703.22 1%

Other IslandOther IslandOther IslandOther Island 8888 48,225,049,127.11 3% 36,776,236,376.64 2% 43,662,563,664.18 3% 41,959,159,658.33 2% 36,321,095,144.22 3%

1,439,922,754,659.70 100% 1,907,208,492,555.94 100% 1,697,952,580,302.88 100% 1,790,319,133,443.18 100% 1,078,506,738,952.94 100%T O T A LT O T A LT O T A LT O T A L

CRESTA ZONECRESTA ZONECRESTA ZONECRESTA ZONEU/Y 2008U/Y 2008U/Y 2008U/Y 2008

NATIONAL GROSS PREMIUM INCOMENATIONAL GROSS PREMIUM INCOMENATIONAL GROSS PREMIUM INCOMENATIONAL GROSS PREMIUM INCOME

AS AT 31st DECEMBER 2008AS AT 31st DECEMBER 2008AS AT 31st DECEMBER 2008AS AT 31st DECEMBER 2008

U/Y 2006U/Y 2006U/Y 2006U/Y 2006U/Y 2004U/Y 2004U/Y 2004U/Y 2004 U/Y 2005U/Y 2005U/Y 2005U/Y 2005 U/Y 2007U/Y 2007U/Y 2007U/Y 2007

Page 35

Gross Premium Income


In Millions IDR

Grafik E

0

100,000

200,000

300,000

400,000

500,000

600,000

700,000

800,000

1.1 1.2 1.3 2.1 2.2 2.3 3.1 3.2 3.3 4.1 4.2 4.3 5.1 5.2 6 7.1 7.2 8

2004

2005

2006

2007

2008

4%

12%

55%

5%

15%

5%1% 3%

5%

10%

48%

8%

14%

9%

4% 2%

NATIONAL GROSS PREMIUM BY CRESTA ZONE


2004 2005

Grafik F

2004 2005 2006

2008 2007

2% 6%

61%

3%

12%

3%

10%3% 3%

5%

68%

3%

11%

4%4% 2%

5%

12%

44%

8%

14%

10%

4% 3%

NATIONAL EXPOSURE BY CRESTA ZONE


2004 2005

2007 2008

Grafik G

2006

3%7%

60%

4%

15%

3%5%

3% 4%7%

61%

5%

10%

8%3% 2% 5%

13%

45%

8%

14%

9%

4% 2%

6%

11%

46%

8%

14%

9%

4% 2% 4%

13%

53%

5%

16%

5%1% 3%

Table HTable HTable HTable H

In IDR

DescriptionDescriptionDescriptionDescription U/Y 2004U/Y 2004U/Y 2004U/Y 2004 In %In %In %In % U/Y 2005U/Y 2005U/Y 2005U/Y 2005 In %In %In %In % U/Y 2006U/Y 2006U/Y 2006U/Y 2006 In %In %In %In % U/Y 2007U/Y 2007U/Y 2007U/Y 2007 In %In %In %In % U/Y 2008U/Y 2008U/Y 2008U/Y 2008 In %In %In %In %

AgriculturalAgriculturalAgriculturalAgricultural 7,071,666,865.34 0.49% 90,000,687,106.34 4.72% 10,381,939,336.95 0.61% 9,694,934,877.85 0.54% 5,596,461,578.94 0.52%

CommercialCommercialCommercialCommercial 318,424,784,336.39 22.11% 498,746,757,143.75 26.15% 425,643,819,120.79 25.07% 329,354,588,977.12 18.40% 280,933,166,392.58 26.05%

IndustrialIndustrialIndustrialIndustrial 1,055,459,429,171.25 73.30% 889,616,514,714.16 46.64% 1,191,402,663,965.73 70.17% 1,300,316,548,963.51 72.63% 677,754,189,001.77 62.84%

ResidentialResidentialResidentialResidential 58,966,874,286.72 4.10% 428,844,533,591.68 22.49% 70,524,157,879.40 4.15% 150,953,060,624.67 8.43% 114,222,921,979.65 10.59%

TOTALTOTALTOTALTOTAL 1,439,922,754,659.70 100.00% 1,907,208,492,555.93 100.00% 1,697,952,580,302.88 100.00% 1,790,319,133,443.15 100.00% 1,078,506,738,952.94 100.00%

NATIONAL GROSS PREMIUM INCOME BY OCCUPATION


Page 39

National Gross Premium Income By Occupation


In Millions IDR

Grafik H

0

200,000

400,000

600,000

800,000

1,000,000

1,200,000

1,400,000

Agricultural Commercial Industrial Residential

2004

2005

2006

2007

2008

Table ITable ITable ITable I

In IDR


AgriculturalAgriculturalAgriculturalAgricultural 6,629,445,846,992.59 1% 61,942,135,248,115.50 4% 9,929,692,316,579.57 1% 9,911,145,378,824.86 1% 5,636,810,232,718.00 1%

CommercialCommercialCommercialCommercial 209,160,605,495,446.00 20% 260,980,311,341,982.00 17% 349,444,794,747,622.00 23% 269,053,835,955,759.00 18% 225,305,918,320,821.00 26%

IndustrialIndustrialIndustrialIndustrial 760,264,956,764,302.00 74% 928,999,162,765,924.00 60% 1,082,496,261,146,000.00 72% 1,113,535,351,728,550.00 74% 556,781,231,991,874.00 64%

ResidentialResidentialResidentialResidential 46,675,843,667,323.30 5% 305,389,370,207,893.00 20% 57,906,429,558,508.60 4% 117,342,599,203,033.00 8% 84,172,608,516,316.30 10%

TOTALTOTALTOTALTOTAL 1,022,730,851,774,060.00 100% 1,557,310,979,563,910.00 100% 1,499,777,177,768,710.00 100% 1,509,842,932,266,170.00 100% 871,896,569,061,729.00 100%

NATIONAL AGGREGATE EXPOSURES BY OCCUPATION


Page 41

National Agregate Exposure By Occupation


In Billions IDR

Grafik I

0

200,000

400,000

600,000

800,000

1,000,000

1,200,000

Agricultural Commercial Industrial Residential

2004

2005

2006

2007

2008

Table JTable JTable JTable J

In IDR

DescriptionDescriptionDescriptionDescription U/Y 2004U/Y 2004U/Y 2004U/Y 2004 U/Y 2005U/Y 2005U/Y 2005U/Y 2005 U/Y 2006U/Y 2006U/Y 2006U/Y 2006 U/Y 2007U/Y 2007U/Y 2007U/Y 2007 U/Y 2008U/Y 2008U/Y 2008U/Y 2008

BuildingBuildingBuildingBuilding 368,568,146,887,080.00 611,519,908,109,801.00 725,658,968,787,045.00 776,228,512,415,620.00 404,033,416,776,070.00

MachineryMachineryMachineryMachinery 258,009,017,217,307.00 334,317,430,934,478.00 265,229,310,817,280.00 279,010,461,024,129.00 127,273,192,623,282.00

StockStockStockStock 175,754,486,116,056.00 276,065,895,579,831.00 114,088,159,569,069.00 128,922,587,503,861.00 86,216,406,899,097.00

OthersOthersOthersOthers 151,705,659,368,359.00 239,120,244,536,531.00 265,331,110,893,552.00 211,268,008,251,031.00 162,339,126,433,424.00

SUB TOTAL SUB TOTAL SUB TOTAL SUB TOTAL 954,037,309,588,803.00 1,461,023,479,160,640.00 1,370,307,550,066,950.00 1,395,429,569,194,640.00 779,862,142,731,873.00

Business InterruptionBusiness InterruptionBusiness InterruptionBusiness Interruption 68,693,542,185,262.00 95,945,777,501,893.80 129,469,627,701,768.00 114,413,363,071,548.00 92,034,426,329,852.70

T O T A L T O T A L T O T A L T O T A L 1,022,730,851,774,060.00 1,556,969,256,662,530.00 1,499,777,177,768,710.00 1,509,842,932,266,190.00 871,896,569,061,726.00

NATIONAL AGGREGATE EXPOSURES BY INTEREST


Page 43

National Agregate Exposure By Interest

(Including Business Interuption )


In Billions IDR

Grafik J

0

100,000

200,000

300,000

400,000

500,000

600,000

700,000

800,000

Building Machinery Stock Others Business Interruption

2004

2005

2006

2007

2008

Table KTable KTable KTable K

U/Y 2004U/Y 2004U/Y 2004U/Y 2004 U/Y 2005U/Y 2005U/Y 2005U/Y 2005 U/Y 2006U/Y 2006U/Y 2006U/Y 2006 U/Y 2007U/Y 2007U/Y 2007U/Y 2007 U/Y 2008U/Y 2008U/Y 2008U/Y 2008

Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 97 218 305 419 317

MedanMedanMedanMedan 1.21.21.21.2 1,502 4,761 2,827 2,984 2,461

OthersOthersOthersOthers 1.31.31.31.3 475 1,544 1,088 1,417 1,244

North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 2,074 6,523 4,220 4,820 4,022

PadangPadangPadangPadang 2.12.12.12.1 490 2,933 1,985 2,573 2,383

PalembangPalembangPalembangPalembang 2.22.22.22.2 592 1,203 814 1,068 782

OthersOthersOthersOthers 2.32.32.32.3 3,154 6,011 4,994 5,567 5,696

South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 4,236 10,147 7,793 9,208 8,861

DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 17,566 22,184 22,020 23,776 16,464

Bandung Bandung Bandung Bandung 3.23.23.23.2 2,197 3,313 2,987 3,584 2,983


DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 30,403 40,514 38,112 41,558 30,670

SemarangSemarangSemarangSemarang 4.14.14.14.1 1,211 1,757 1,575 1,903 1,635

YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 510 936 1,374 1,722 1,217


DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 3,239 5,814 5,929 7,341 6,770

SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 2,692 3,584 2,863 3,176 2,499


East JavaEast JavaEast JavaEast Java 5555 5,852 8,151 6,083 6,792 5,451

KalimantanKalimantanKalimantanKalimantan 6666 1,550 2,798 1,896 2,197 2,294

Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 662 1,070 753 843 700


SulawesiSulawesiSulawesiSulawesi 7777 1,751 3,456 2,222 3,037 2,898

Other IslandOther IslandOther IslandOther Island 8888 3,281 4,887 4,677 5,642 4,455

52,38652,38652,38652,386 82,29082,29082,29082,290 70,93270,93270,93270,932 80,59580,59580,59580,595 65,42165,42165,42165,421

*) Figure above excluding undefined multi location risks

NUMBER OF RISKS

AS AT 30th DECEMBER 2008

CRESTA ZONECRESTA ZONECRESTA ZONECRESTA ZONE


Page 45

NUMBER OF RISKS


Grafik K

0

5,000

10,000

15,000

20,000

25,000

1.1 1.2 1.3 2.1 2.2 2.3 3.1 3.2 3.3 4.1 4.2 4.3 5.1 5.2 6 7.1 7.2 8

2004

2005

2006

2007

2008

Table LTable LTable LTable L

In IDR


AgriculturalAgriculturalAgriculturalAgricultural 530.00 1% 607.00 1% 523.00 1% 421.00 1% 349.00 1%

CommercialCommercialCommercialCommercial 30,050.00 57% 46,379.00 56% 38,633.00 54% 36,978.00 46% 38,618.00 59%

IndustrialIndustrialIndustrialIndustrial 12,808.00 24% 17,911.00 22% 8,726.00 12% 11,830.00 15% 5,728.00 9%

ResidentialResidentialResidentialResidential 8,998.00 17% 17,393.00 21% 23,050.00 32% 31,366.00 39% 20,726.00 32%

TOTALTOTALTOTALTOTAL 52,386.00 100% 82,290.00 100% 70,932.00 100% 80,595.00 100% 65,421.00 100%

*) Figure above excluding undefined multi location risks

NUMBER OF RISK BY OCCUPATION

AS AT 31th DECEMBER 2008

Page 47

Table M

2004200420042004 2005200520052005 2006200620062006 2007200720072007 2008200820082008

AgriculturalAgriculturalAgriculturalAgricultural 0 1 2 2222 0000

CommercialCommercialCommercialCommercial 39 243 305 227227227227 4444

IndustrialIndustrialIndustrialIndustrial 19 7 21 9999 0000

ResidentialResidentialResidentialResidential 23 22 67 127127127127 1111

TOTALTOTALTOTALTOTAL 81818181 273273273273 395395395395 365365365365 5555

Occupation Occupation Occupation Occupation

DescriptionDescriptionDescriptionDescription

Underwriting YearUnderwriting YearUnderwriting YearUnderwriting Year

Claim Frequency by OccupationClaim Frequency by OccupationClaim Frequency by OccupationClaim Frequency by Occupation

Page 48

CLAIM FREQUENCY BY OCCUPATION


Grafik M

0

50

100

150

200

250

300

350

2004 2005 2006 2007 2008

Agricultural

Commercial

Industrial

Residential

Table NTable NTable NTable N

U/Y 2004U/Y 2004U/Y 2004U/Y 2004 U/Y 2005U/Y 2005U/Y 2005U/Y 2005 U/Y 2006U/Y 2006U/Y 2006U/Y 2006 U/Y 2007U/Y 2007U/Y 2007U/Y 2007 U/Y 2008U/Y 2008U/Y 2008U/Y 2008

Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 24 0 0 0 0

MedanMedanMedanMedan 1.21.21.21.2 12 1 0 0 0

OthersOthersOthersOthers 1.31.31.31.3 3 2 1 0 1

North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 39 3 1 0 1

PadangPadangPadangPadang 2.12.12.12.1 16 25 138 220 0

PalembangPalembangPalembangPalembang 2.22.22.22.2 0 0 1 0 0


South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 17 26 238 334 1

DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 0 1 16 9 1

Bandung Bandung Bandung Bandung 3.23.23.23.2 1 0 2 7 0


DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 2 8 23 23 1

SemarangSemarangSemarangSemarang 4.14.14.14.1 0 0 0 0 0

YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 0 127 93 0 0


DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 0 236 130 2 0

SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 0 0 0 0 0


East JavaEast JavaEast JavaEast Java 5555 1 0 0 0 0

KalimantanKalimantanKalimantanKalimantan 6666 0 0 0 0 0

Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 0 0 0 0 0


SulawesiSulawesiSulawesiSulawesi 7777 0 0 2 2 0

Other IslandOther IslandOther IslandOther Island 8888 22 0 1 4 2

81818181 273273273273 395395395395 365365365365 5555

Claim Frequency by Cresta ZoneClaim Frequency by Cresta ZoneClaim Frequency by Cresta ZoneClaim Frequency by Cresta Zone

CRESTA ZONECRESTA ZONECRESTA ZONECRESTA ZONE


Page 50

CLAIM FREQUENCY BY CRESTA ZONE


Grafik N

0

50

100

150

200

250

1.1 1.2 1.3 2.1 2.2 2.3 3.1 3.2 3.3 4.1 4.2 4.3 5.1 5.2 6 7.1 7.2 8

2004

2005

2006

2007

2008

Table 0Table 0Table 0Table 0


Agricultural 0.00 0% 679,141,350.00 0% 500,000,000.00 1% 228,307,015.00 0% - 0%

Commercial 12,979,022,518.71 2% 211,743,357,487.57 99% 72,086,784,046.02 92% 90,853,239,820.10 91% 11,346,873,750.00 93%

Industrial 603,843,734,902.62 97% 539,722,461.00 1% 3,174,247,989.93 4% 2,402,223,001.00 2% - 0%

Residential 3,511,950,406.00 1% 2,099,665,608.83 1% 2,711,425,493.87 3% 6,049,527,938.11 6% 900,000,000.00 7%

TOTALTOTALTOTALTOTAL 620,334,707,827.33620,334,707,827.33620,334,707,827.33620,334,707,827.33 100%100%100%100% 215,061,886,907.40215,061,886,907.40215,061,886,907.40215,061,886,907.40 100%100%100%100% 78,472,457,529.8278,472,457,529.8278,472,457,529.8278,472,457,529.82 100%100%100%100% 99,533,297,774.2199,533,297,774.2199,533,297,774.2199,533,297,774.21 100%100%100%100% 12,246,873,750.0012,246,873,750.0012,246,873,750.0012,246,873,750.00 100%100%100%100%

2007200720072007

in IDR

2008200820082008

Claims by OccupationClaims by OccupationClaims by OccupationClaims by Occupation

Underwriting YearUnderwriting YearUnderwriting YearUnderwriting Year

2004200420042004Occupation Occupation Occupation Occupation

DescriptionDescriptionDescriptionDescription20062006200620062005200520052005

Page 52

( I )

97.34%

( a )

0.00%

( c )

2.09% ( r )

0.57%

( I )

2.41%

( a )

0.23%

( c )

91.28%

( r )

6.08%

INCURRED CLAIM BY OCCUPATION


2006

2004

2008

Grafik O

( a ) Agricultural

( c ) Commercial

( i ) Industrial

( r ) Residential

( I )

0.25%

( a )

0.32%

( c )

98.46%

( r )

0.98%

2005

( I )

4.05%

( a )

0.64%

( c )

91.86%

( r )

3.46%

2006

2007 ( I )

0.00%

( a )

0.00%

( c )

92.65%

( r )

7.35%

2008

Table PTable PTable PTable P


Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 612,221,974,220.80 - 0 0 0

MedanMedanMedanMedan 1.21.21.21.2 674,205,451.00 95,000,000.00 0 0 0

OthersOthersOthersOthers 1.31.31.31.3 590,721,289.51 693,221,350.00 38,868,000.00 0 20,000,000.00

North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 613,486,900,961.31 99% 788,221,350.00 0% 38,868,000.00 0% 0 0% 20,000,000 0%

PadangPadangPadangPadang 2.12.12.12.1 948,288,253.71 462,389,199.70 12,045,027,080 28,038,654,760 0

PalembangPalembangPalembangPalembang 2.22.22.22.2 0 0 10,000,000.00 0 0

OthersOthersOthersOthers 2.32.32.32.3 12,402,600.00 28,044,000.00 20,142,122,126 65,159,085,018.61 50,000,000.00

South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 960,690,853.71 0% 490,433,199.70 0% 32,197,149,206.38 41% 93,197,739,778.46 94% 50,000,000.00 0%

DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 0 33,575,300.00 1,203,185,040.00 1,161,164,400.00 801,873,750.00

Bandung Bandung Bandung Bandung 3.23.23.23.2 450,000,000 0 29,532,220.00 3,162,092,091.00 -

OthersOthersOthersOthers 3.33.33.33.3 330,267,740.00 2,137,547,460.13 548,384,250.43 145,379,843.75 -

DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 780,267,740.00 0% 2,171,122,760.13 1% 1,781,101,510.43 2% 4,468,636,334.75 4% 801,873,750.00 7%

SemarangSemarangSemarangSemarang 4.14.14.14.1 0 0 0 0 0

YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 0 200,872,260,347.82 29,451,135,739.01 0 0

OthersOthersOthersOthers 4.34.34.34.3 0 10,739,849,249.75 14,847,154,716.00 10500000 0

DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 0 0% 211,612,109,597.57 98% 44,298,290,455.01 56% 10,500,000.00 0% 0.00 0%

SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 0 0 0 0 0

OthersOthersOthersOthers 5.25.25.25.2 800,000,000.00 0 0 0 0

East JavaEast JavaEast JavaEast Java 5555 800,000,000.00 0% 0 0% 0 0% 0 0% 0 0%

KalimantanKalimantanKalimantanKalimantan 6666 0 0% 0 0% 0 0% 0 0% 0 0%

Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 0 0 0 0 0

OthersOthersOthersOthers 7.27.27.27.2 0 0 59,459,000.00 369,371,661.00 -

SulawesiSulawesiSulawesiSulawesi 7777 0 0% 0 0% 59,459,000.00 0% 369,371,661.00 0% - 0%

Other IslandOther IslandOther IslandOther Island 8888 4,306,848,272.30 1% - 0% 97,589,358.00 0% 1,487,050,000.00 1% 11,375,000,000.00 93%

620,334,707,827.33620,334,707,827.33620,334,707,827.33620,334,707,827.33 100%100%100%100% 215,061,886,907.40215,061,886,907.40215,061,886,907.40215,061,886,907.40 100%100%100%100% 78,472,457,529.8278,472,457,529.8278,472,457,529.8278,472,457,529.82 100%100%100%100% 99,533,297,774.2199,533,297,774.2199,533,297,774.2199,533,297,774.21 100%100%100%100% 12,246,873,750.0012,246,873,750.0012,246,873,750.0012,246,873,750.00 100%100%100%100%

in IDR

U/Y 2008U/Y 2008U/Y 2008U/Y 2008

Claims by Cresta ZoneClaims by Cresta ZoneClaims by Cresta ZoneClaims by Cresta Zone

CRESTA ZONECRESTA ZONECRESTA ZONECRESTA ZONEU/Y 2007U/Y 2007U/Y 2007U/Y 2007


U/Y 2004U/Y 2004U/Y 2004U/Y 2004 U/Y 2005U/Y 2005U/Y 2005U/Y 2005 U/Y 2006U/Y 2006U/Y 2006U/Y 2006

Page 54

INCURRED CLAIM BY CRESTA ZONE


Underwriting Year 2004 Underwriting Year 2005 Underwriting Year 2006

Underwriting Year 2007 Underwriting Year 2008

Grafik P

Table Q

1 NABIRE 26-Nov-04 6.4 VIII

2 ACEH 26-Dec-04 9 VIII

3 CILEGON 15-Jan-05 5.5 III

4 AMBON 2-Mar-05 6.6 V

5 NIAS 28-Mar-05 8.7 VIII

6 PADANG 10-Apr-05 6.7 V

7 BANDUNG 15-Apr-05 5 II

8 SIBOLGA 19-May-05 6.8 IV

9 ACEH 5-Oct-05 5.5 V

10 TANJUNG KARANG 12-May-06 5.6 V

11 YOGYAKARTA 27-May-06 5.9 VII

12 PANGANDARAN 17-Jul-06 6.8 IV

13 JAKARTA 19-Jul-06 6.2 V

14 WONOSARI 22-Sep-06 5.7 V

15 MANADO 21-Jan-07 7.6 VI

16 PADANG 6-Mar-07 6.3 V

17 SUMBAWA 7-Aug-08 6.6 IV

18 GORONTALO 17-Nov-08 7.4 VI

SR *) MMI *)

MAJOR EARTHQUAKES IN INDONESIA

No. Claim Event Date of Loss

YEAR 2004 - 2008

Page 56

EARTHQUAKES IN INDONESIA

YEAR 2004 – 2008 ( Magnitude 5+ )

Grafik Q

GLOSSARIES

1. OCCUPATION :

A - AGRICULTURAL

C - COMMERCIAL

I - INDUSTRIAL

R - RESIDENTIAL

2. ZONES (BASED ON CRESTA) :

1.1 - Banda Aceh

1.2 - Medan

1.3 - Others

1 - North Sumatera

2.1 - Padang

2.2 - Palembang

2.3 - Others

2 - South Sumatera

3.1 - DKI Jakarta

3.2 - Bandung

3.3 - Others

3 - DKI & West java

4.1 - Semarang

4.2 - Yogyakarta

4.3 - Others

4 - DIY & Central Java

5.1 - Surabaya

5.2 - Others

5 - East Java

6 - Kalimantan

7.1 - Ujung Pandang

7.2 - Others

7 - Sulawesi

8 - Other Islands

Page 58

3. f : Frequencies

F : Accumulations of frequencies

Cum : Cumulative (increasing in amount by one addition after another)

4. Incurred Claim

Outstanding Claims (100%) plus paid/settled claims (100%)

5. Sum Insured

The Sum Insured represents 100% Sum Insured

6. Gross Premium

Gross Premium represent 100% premium

7. Loss Ratio

The percentage ratio of Incurred claims to Gross Premium

Page 59

Attachment 1

INDONESIAN EARTHQUAKE RATE/TARIFF 1/8/2003

ZONE I Construction Class

Building Category A B C

Description Code Reinf.

Concrete Steel

Frame Others

Manufacturing/Factory risks

B/C 0.108% 0.108% 0.122%

Other Risks

Up to 3 stories A 0.104% 0.104% 0.113%

4 to 9 stories D 0.122% 0.135% 0.270%

10 stories and higher D 0.135% 0.149% Declined

ZONE II Construction Class



Concrete Steel

Frame Others


B/C 0.120% 0.120% 0.135%

Other Risks

Up to 3 stories A 0.115% 0.115% 0.125%

4 to 9 stories D 0.135% 0.150% 0.300%


ZONE III Construction Class



Concrete Steel

Frame Others


B/C 0.132% 0.132% 0.149%

Others Risks

Up to 3 stories A 0.127% 0.127% 0.138%

4 to 9 stories D 0.149% 0.165% 0.330%


Untuk Kolom yang ratenya tertulis "Declined" risiko tersebut tidak dapat diterima (Not acceptable).

Keterangan :

I. BUILDING CATEGORY

Code Category Descriptions

A SIMPLE RISKS DWELING/DOMESTIC/OFFICE/SIMPLE TRADING RISKS UP TO 3 STORIES

B MANUFACTURING RISKS NOT INVOLVING AUTOMATED MACHINERY

C MANUFACTURING RISKS INVOLVING AUTOMATED MACHINERY

D HIGHRISE BUILDINGS BUILDING - FROM 4 STOREYS

II. CLASS CONSTRUCTION

Code Descriptions

A REINFORCED CONCRETE

B STEEL FRAME

C OTHERS

Attachment 2

FIRST LOSS SCALE

% of % of % of % of % of % of

Values Total Premium Values Total Premium Values Total Premium

100.00 100.00 54.00 85.80 8.00 56.00

99.00 99.60 53.00 85.60 7.50 55.00

98.00 99.20 52.00 85.40 7.00 54.00

97.00 98.80 51.00 85.20 6.00 52.00

96.00 98.40 50.00 85.00 5.00 50.00

95.00 98.00 49.00 84.70 4.90 49.50

94.00 97.60 48.00 84.46 4.80 49.00

93.00 97.20 47.00 84.21 4.70 48.50

92.00 96.80 46.00 83.90 4.60 48.00

91.00 96.40 45.00 83.60 4.50 47.50

90.00 96.00 44.00 83.30 4.40 47.00

89.00 95.60 43.00 83.00 4.30 46.50

88.00 95.20 42.00 82.80 4.20 46.00

87.00 94.80 41.00 82.53 4.10 45.50

86.00 94.40 40.00 82.20 4.00 45.00

85.00 94.00 39.00 81.87 3.90 44.50

84.00 93.60 38.00 81.54 3.80 44.00

83.00 93.20 37.00 81.21 3.70 43.50

82.00 92.80 36.00 80.88 3.60 43.00

81.00 92.40 35.00 80.55 3.50 42.50

80.00 92.00 34.00 80.22 3.40 42.00

79.00 91.60 33.00 80.00 3.30 41.50

78.00 91.20 32.00 79.37 3.20 41.00

77.00 90.80 31.00 78.75 3.10 40.50

76.00 90.40 30.00 78.12 3.00 40.00

75.00 90.00 29.00 77.50 2.90 39.75

74.00 89.80 28.00 76.87 2.80 39.50

73.00 89.60 27.00 76.25 2.70 39.25

72.00 89.40 26.00 75.62 2.60 39.00

71.00 89.20 25.00 75.00 2.50 38.75

70.00 89.00 24.00 74.00 2.40 38.50

69.00 88.80 23.00 73.00 2.30 38.25

68.00 88.60 22.00 72.00 2.20 38.00

67.00 88.40 21.00 71.00 2.10 37.75

66.00 88.20 20.00 70.00 2.00 37.50

65.00 88.00 19.00 69.00 1.90 37.00

64.00 87.80 18.00 68.00 1.80 36.50

63.00 87.60 17.00 67.00 1.70 36.00

62.00 87.40 16.00 66.00 1.60 35.50

61.00 87.20 15.00 65.00 1.50 35.00

60.00 87.00 14.00 64.00 1.40 34.50

59.00 86.80 13.00 63.00 1.30 34.00

58.00 86.60 12.00 62.00 1.20 33.50

57.00 86.40 11.00 61.00 1.10 33.00

56.00 86.20 10.00 60.00 1.00 32.50

55.00 86.00 9.00 58.00

Attachment 3

TARIF SUKU PREMI KURANG

DARI 12 BULAN

JANGKA WAKTU PROSENTASI

TARIF TAHUNAN

3 hari 5%

10 hari 10%

1 bulan 20%

1.5 bulan 25%

2 bulan 30%

3 bulan 40%

4 bulan 50%

5 bulan 60%

6 bulan 70%

7 bulan 75%

8 bulan 80%

9 bulan 85%

10 bulan 90%

11 bulan 95%

lebih dari 11 bulan dihitung tarip suku premi penuh

Attachment 4

1 bulan 20% x 100% rate









21 bulan 91.5% x 100% rate





Indemnity

Period

Prosentase besarnya

Suku Premi atas Tarif

Lebih dari 48 bulan ditetapkan AAUI /

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