Ref No. : 037/L-MG/III-09/AMI/FS-lw Kepada Yth, · Ref No. : 037/L-MG/III-09/AMI/FS-lw Kepada Yth,...

Ref No. : 037/L-MG/III-09/AMI/FS-lw

Kepada Yth,

Direksi

Seluruh Perusahaan Asuransi

Di

Tempat

Perihal : Statistik Gempa Bumi Indonesia 2004 - 2007

Dengan hormat,

Bersama ini kami sampaikan Statistik Asuransi Gempa Bumi periode 2004 - 2007

posisi sampai dengan bulan Desember 2007.

Kami berharap statistik ini dapat bermanfaat tidak hanya bagi perusahaan asuransi

yang menangani Asuransi Gempa Bumi namun dapat pula berguna bagi industri

asuransi umum di Indonesia.

Atas perhatian serta kerjasamanya yang baik kami ucapkan terima kasih.

Jakarta, 23 Maret 2009

Hormat kami,

Frans Y. Sahusilawane Bisma Subrata

Presiden Direktur Direktur

INFORMASI STATISTIK

1. Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan

posisi 31 Desember 2007

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 prosen) 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 prosen) 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 prosentase

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

memberikan 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.

ANALISA

I. PREMI BRUTO DAN JUMLAH RISIKO

1. PREMI BRUTO

- Premi Bruto Underwriting Year 2006 posisi sampai dengan Desember

2007 sebesar Rp. 2.1 triliun mengalami kenaikan sebesar 12.62 % bila

dibandingkan dengan Premi Bruto Underwriting Year 2005 posisi

sampai dengan Desember 2006 sebesar Rp. 1.9 triliun. Sedangkan

Premi Bruto Underwriting Year 2007 sebesar Rp. 1,5 triliun lebih

rendah dibandingkan premi Underwriting Year 2006 sebesar Rp. 2,1

triliun karena belum menggambarkan premi penuh selama satu tahun.

- Premi Bruto terbesar Underwriting Year 2006 berdasarkan zona adalah

Zona 3 sebesar Rp. 1,3 triliun atau naik 6.72 % bila dibandingkan

dengan Premi Bruto Underwriting Year 2005 sebesar Rp. 1,2 triliun,

dan Premi Bruto Underwriting Year 2007 untuk Zona 3 sebesar Rp. 864

miliar

- Penyebaran premi dari tahun ke tahun memperlihatkan trend yang relatif

tetap, yakni didominasi oleh Zona 3 (DKI Jakarta) dan sebagian kecil

pada Zona 4 (Central Java); 5 (East Java); serta Zona 2 (South Sumatera)

- Premi Bruto terbesar Underwriting Year 2007 berdasarkan okupasi

adalah Industrial sebesar Rp. 1,05 triliun atau 70 % dari seluruh Premi

Bruto sebesar Rp. 1,5 triliun

Premi Bruto terbesar Underwriting Year 2006 berdasarkan okupasi

adalah Industrial sebesar Rp. 1,5 triliun atau 71 % dari seluruh Premi

Bruto sebesar Rp. 2.1 triliun.

Industrial adalah merupakan jenis okupasi yang memberikan kontribusi

tertinggi disusul dengan jenis okupasi Commercial, kemudian

Residential dan terakhir adalah okupasi Agricultural.

Industrial adalah okupasi yang mengalami kenaikan tertinggi pada

Underwriting Year 2006 dan Underwriting Year 2007. Kenaikan juga

terjadi pada okupasi Commercial dan Residential. Begitu juga dengan

okupasi Agricultural dari tahun 2006 ke 2007.

Kenaikan premi bruto Underwriting Year 2006 sebesar 12.62 %

disebabkan antara lain :

a) Kedisiplinan untuk mensesikan dan mengikuti ketentuan yang

berlaku pada penutupan asuransi gempa bumi meningkat.

b) Permintaan polis dari masyarakat sudah meningkat seiring dengan

banyaknya kejadian gempa yang terjadi atau makin meningkatnya

kesadaran masyarakat untuk membeli polis asuransi.

c) Ada beberapa perusahaan asuransi baru yang juga telah mensesikan

risiko gempa buminya.

d) Beberapa perusahaan asuransi juga telah menaikkan rate standar

gempa bumi, mengingat banyaknya kejadian gempa.

e) Peningkatan kedisiplinan sesi yang cukup signifikan dari beberapa

perusahaan asuransi besar.

2. JUMLAH RISIKO (NUMBER OF RISKS)

Sejalan dengan kenaikan Premi Bruto Underwriting Year 2006, jumlah

risiko pun meningkat. Terlihat di Underwriting Year 2006 jumlah risiko

sebanyak 91,147 risiko atau terjadi peningkatan sebesar 10,76% bila

dibandingkan dengan Underwriting Year 2005 sebesar 82,290 risiko.

Adapun untuk jumlah risiko Underwriting Year 2006, yang tertinggi berada

di Zona 3 sebesar 48,086 risiko atau 53% dari total risiko sebesar 91,147

risiko. Sedangkan untuk Underwriting Year 2007, jumlah risiko terbesar

juga berada di Zona 3, yaitu sebesar 23,629 risiko atau 51% dari total risiko

sebesar 45,863 risiko.

Berdasarkan okupasi, untuk Underwriting Year 2006 jumlah risiko terbesar

berada di okupasi Commercial, yaitu sebesar 49,237 risiko atau 54% dari

total risiko. Sedangkan untuk Underwriting Year 2007, jumlah risiko

terbesar juga berada di okupasi Commercial, yaitu sebesar 22,377 risiko

atau 49% dari total risiko.

II. KLAIM INCURRED DAN FREKUENSI KLAIM

1. KLAIM INCURRED

- Jumlah Klaim Incurred untuk Underwriting Year 2006 sebesar Rp. 115 milyar

lebih rendah dibandingkan Underwriting Year 2007 sebesar Rp. 208 milyar.

Peningkatan pada Underwriting 2007 ini disebabkan karena:

a. Banyak masuknya Laporan Kerugian Pasti untuk event Yogya

27.05.06 sebanyak 273 klaim (74,59%) dari total keseluruhan

penerimaan Laporan Kerugian Sementara dan Laporan Kerugian Pasti

yaitu sebesar 366 klaim, sehingga menurunkan Jumlah estimasi klaim

pada Underwriting year 2006.

b. Adanya event baru yang terjadi di Underwriting Year 2007 antara lain

: event Padang 06.03.07, event Bengkulu 12.09.07 dan event Jakarta

09.08.07, dengan total penerimaan Laporan Kerugian Sementara dan

Laporan Kerugian Pasti, sebagai berikut:

- Event Padang 06.03.07 : 111 klaim

- Event Bengkulu 12.09.07 : 245 klaim

- Event Jakarta 09.08.07 : 22 klaim

- Klaim Bruto terbesar :

Underwriting Year 2005 : PT. Mustika Prince Hotel

(Yogyakarta, 27.05.06) sebesar Rp. 97.4 milyar

Underwriting Year 2006 : PT. Telekomunikasi Indonesia

(Pangandaran 17.07.06) sebesar Rp. 25 milyar

Underwriting Year 2007 : PT. Telekomunikasi Indonesia

(Bengkulu 12.09.07) sebesar Rp. 51 milyar

- Perincian Klaim: Outstanding dan Settled

in Rp.

Underwriting

Year Outstanding Klaim Settled Klaim Incurred Klaim

2004

9,430,842,824.42

603,898,022,380.80

613,328,865,205.22

2005

136,916,836,540.48

81,027,526,387.58

217,944,362,928.06

2006

97,233,767,805.57

18,188,518,208.70

115,422,286,014.27

2007

207,990,292,458.50

168,524,299.75

208,158,816,758.25

- Jumlah kerugian terbesar berdasarkan okupasi adalah sebagai berikut :

Underwriting Year 2005 : Okupasi Commercial sebesar 99% dari total

Klaim Incurred.


Klaim Incurred.


Klaim Incurred.

2. FREKUENSI KLAIM

Frekuensi klaim di Underwriting Year 2006 (321 klaim) lebih besar dibandingkan

dengan frekuensi klaim Underwriting Year 2007 (210 klaim). Hal ini disebabkan

karena pada pada Underwriting Year 2006 terdapat 10 event gempa bumi

sedangkan pada Underwriting 2007 hanya terdapat 5 event gempa bumi.

Sebagai informasi event-event gempa bumi yang terjadi pada Underwriting Year

2006 adalah sebagai berikut :

Event Zona Frekuensi Klaim

- Event Yogyakarta 27.05.06 : 4.2 140 klaim

- Event Pangandaran 17.07.06 : 3.3 2 klaim

- Event Jakarta 19.07.06 : 3.1 3 klaim

- Event Pandeglang 24.12.06 : 3.3 1 klaim

- Event Manado 21.01.07 : 7 2 klaim

- Event Padang 06.03.07 : 2.1 99 klaim

- Event Bukit Tinggi 13.03.07 : 2.3 1 klaim


- Event Carita 10.08.07 : 3.3 1 klaim

- Event Bengkulu 12.09.07 : 2.3 59 klaim

Sedangkan event-event gempa bumi yang terjadi pada Underwriting Year 2007

adalah sebagai berikut :

Event Zona Frekuensi Klaim

- Event Manado 21.01.07 : 7 2 klaim

- Event Padang 06.03.07 : 2.1 12 klaim


- Event Bengkulu 12.09.07 : 2.3 186 klaim

- Event Dompu 25.11.07 : 8 1 klaim

Jumlah Frekuensi Klaim terbanyak dari Underwriting 2006 – 2007 berdasarkan

okupasi adalah Commercial.

Jumlah Frekuensi Klaim terbanyak dari Underwriting 2006 – 2007 berdasarkan

zona terdapat di zona 2 (Sumatera Selatan).

UNDERWRITING YEAR : ALL DATA POSITION FROM 01/01/2004

OCCUPATION : ALL

ZONE : ALL TO 31/12/2007

PROCESSING DATE

Table A

BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.

1 0.00 50.00 26,916 26916 9.91 9.91 792.94 792.94 0.01 0.01 36 36 2.75 2.75 329.86 329.86 0.03 0.03 0.00 0.00

2 50.00 100.00 20,129 47045 7.41 17.32 1,842.43 2,635.37 0.03 0.04 76 112 5.81 8.56 1,259.30 1,589.16 0.11 0.14 0.00 0.00

3 100.00 200.00 29,764 76809 10.96 28.27 5,454.52 8,089.89 0.08 0.12 76 188 5.81 14.36 2,685.38 4,274.55 0.23 0.37 0.00 0.00

4 200.00 300.00 22,181 98990 8.16 36.44 6,761.79 14,851.68 0.10 0.21 120 308 9.17 23.53 5,775.35 10,049.89 0.50 0.87 0.00 0.00

5 300.00 500.00 29,873 128863 11.00 47.43 16,233.04 31,084.72 0.23 0.44 144 452 11.00 34.53 6,538.05 16,587.94 0.57 1.44 0.00 0.00

6 500.00 750.00 21,322 150185 7.85 55.28 15,816.88 46,901.60 0.23 0.67 121 573 9.24 43.77 4,046.61 20,634.55 0.35 1.79 0.00 0.00

7 750.00 1,000.00 17,127 167312 6.30 61.58 18,324.07 65,225.67 0.26 0.93 99 672 7.56 51.34 5,365.15 25,999.70 0.46 2.25 0.00 0.00

8 1,000.00 1,500.00 17,608 184920 6.48 68.06 29,022.52 94,248.19 0.41 1.34 72 744 5.50 56.84 8,028.24 34,027.94 0.70 2.95 0.00 0.00

9 1,500.00 2,000.00 11,331 196251 4.17 72.23 26,656.05 120,904.24 0.38 1.72 58 802 4.43 61.27 7,461.37 41,489.31 0.65 3.59 0.00 0.00

10 2,000.00 2,500.00 7,606 203857 2.80 75.03 19,982.76 140,887.00 0.28 2.01 42 844 3.21 64.48 5,359.62 46,848.94 0.46 4.06 0.00 0.00

11 2,500.00 3,000.00 6,035 209892 2.22 77.26 19,899.92 160,786.92 0.28 2.29 30 874 2.29 66.77 4,469.11 51,318.05 0.39 4.44 0.00 0.00

12 3,000.00 4,000.00 8,271 218163 3.04 80.30 33,658.64 194,445.55 0.48 2.77 59 933 4.51 71.28 8,599.74 59,917.79 0.74 5.19 0.00 0.00

13 4,000.00 5,000.00 6,230 224393 2.29 82.59 32,681.04 227,126.60 0.47 3.24 38 971 2.90 74.18 15,339.10 75,256.89 1.33 6.52 0.00 0.00

14 5,000.00 7,500.00 8,858 233251 3.26 85.85 62,362.84 289,489.44 0.89 4.13 48 1019 3.67 77.85 11,194.57 86,451.46 0.97 7.49 0.00 0.00

15 7,500.00 10,000.00 5,980 239231 2.20 88.05 59,453.67 348,943.11 0.85 4.97 26 1045 1.99 79.83 1,376.18 87,827.64 0.12 7.61 0.00 0.00

16 10,000.00 20,000.00 10,728 249959 3.95 92.00 180,139.09 529,082.19 2.57 7.54 69 1114 5.27 85.10 29,513.66 117,341.30 2.56 10.16 0.00 0.00

17 20,000.00 50,000.00 10,179 260138 3.75 95.75 385,050.28 914,132.47 5.49 13.03 71 1185 5.42 90.53 75,463.91 192,805.21 6.53 16.70 0.00 0.00

18 50,000.00 100,000.00 4,964 265102 1.83 97.58 474,078.45 1,388,210.92 6.76 19.79 31 1216 2.37 92.90 16,534.40 209,339.61 1.43 18.13 0.00 0.00

19 100,000.00 500,000.00 5,093 270195 1.87 99.45 1,669,412.39 3,057,623.32 23.80 43.58 65 1281 4.97 97.86 152,906.87 362,246.48 13.24 31.37 0.00 0.00

20 500,000.00 UP 1,491 271686 0.55 100.00 3,957,909.99 7,015,533.31 56.42 100.00 28 1309 2.14 100.00 792,607.35 1,154,853.83 68.63 100.00 0.00 0.00

PERCENTAGEFROM TO f F f F

PERCENTAGE rp RP

PERCENTAGE rp RP

PERCENTAGE PERCENTAGE

28/02/2008

LOSS RATIO

PT. Asuransi MAIPARK Indonesia

RISK & LOSS PROFILE

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

BAND

SUM INSURED (BAND) (In

Million Rp.)NUMBER OF RISKS

Page 1 of 48


RISK & LOSS PROFILE

UNDERWRITING YEAR : 2004 DATA POSITION FROM 01/01/2004

OCCUPATION : ALL

ZONE : ALL TO 31/12/2007

PROCESSING DATE 28/02/2008

Table B.1


1 0.00 50.00 5556 5556 0.39 0.39 156.24 156.24 0.01 0.01 1 1 1.08 1.08 11.32 11.32 0.00 0.00 0.00 0.00

2 50.00 100.00 3880 9436 0.27 0.66 340.78 497.02 0.02 0.03 3 4 3.23 4.30 324.46 335.78 0.08 0.08 0.00 0.00

3 100.00 200.00 5786 15222 0.40 1.06 1,035.47 1,532.48 0.07 0.11 6 10 6.45 10.75 1,005.18 1,340.96 0.23 0.31 0.00 0.00

4 200.00 300.00 4275 19497 0.30 1.35 1,274.37 2,806.86 0.09 0.19 6 16 6.45 17.20 1,234.81 2,575.77 0.29 0.60 0.00 0.00

5 300.00 500.00 5262 24759 0.37 1.72 2,743.41 5,550.27 0.19 0.39 8 24 8.60 25.81 2,345.10 4,920.87 0.54 1.14 0.00 0.00

6 500.00 750.00 3516 28275 0.24 1.96 2,601.37 8,151.64 0.18 0.57 8 32 8.60 34.41 2,509.97 7,430.84 0.58 1.72 0.00 0.00

7 750.00 1,000.00 2789 31064 0.19 2.16 3,089.29 11,240.93 0.21 0.78 6 38 6.45 40.86 2,847.83 10,278.67 0.66 2.38 0.00 0.00

8 1,000.00 1,500.00 3299 34363 0.23 2.39 5,759.78 17,000.71 0.40 1.18 9 47 9.68 50.54 3,871.22 14,149.89 0.90 3.27 0.00 0.00

9 1,500.00 2,000.00 2020 36383 0.14 2.53 4,070.59 21,071.30 0.28 1.46 4 51 4.30 54.84 3,713.07 17,862.96 0.86 4.13 0.00 0.00

10 2,000.00 2,500.00 1509 37892 0.10 2.63 3,954.52 25,025.82 0.27 1.74 8 59 8.60 63.44 3,653.13 21,516.09 0.84 4.98 0.00 0.00

11 2,500.00 3,000.00 1192 39084 0.08 2.71 4,303.30 29,329.12 0.30 2.04 3 62 3.23 66.67 6,646.98 28,163.07 1.54 6.51 0.00 0.00

12 3,000.00 4,000.00 1603 40687 0.11 2.83 6,713.43 36,042.55 0.47 2.50 5 67 5.38 72.04 6,973.29 35,136.36 1.61 8.13 0.00 0.00

13 4,000.00 5,000.00 1307 41994 0.09 2.92 7,041.99 43,084.54 0.49 2.99 1 68 1.08 73.12 13,146.93 48,283.29 3.04 11.17 0.00 0.00

14 5,000.00 7,500.00 1829 43823 0.13 3.04 13,665.13 56,749.66 0.95 3.94 7 75 7.53 80.65 13,448.93 61,732.22 3.11 14.28 0.00 0.00

15 7,500.00 10,000.00 1244 45067 0.09 3.13 12,725.56 69,475.23 0.88 4.82 0 75 - 80.65 40,101.16 101,833.38 9.27 23.55 0.00 0.00

16 10,000.00 20,000.00 2405 47472 0.17 3.30 42,416.22 111,891.45 2.95 7.77 5 80 5.38 86.02 88,885.79 190,719.17 20.56 44.11 0.00 0.00

17 20,000.00 50,000.00 2438 49910 0.17 3.47 97,682.49 209,573.95 6.78 14.55 2 82 2.15 88.17 97,455.30 288,174.47 22.54 66.64 0.00 0.00

18 50,000.00 100,000.00 1181 51091 0.08 3.55 105,025.45 314,599.39 7.29 21.85 2 84 2.15 90.32 144,139.06 432,313.53 33.33 99.98 0.00 0.01

19 100,000.00 500,000.00 1033 52124 0.07 3.62 275,477.29 590,076.68 19.13 40.98 5 89 5.38 95.70 28.01 432,341.54 0.01 99.99 0.00 0.01

20 500,000.00 UP 262 52386 0.02 3.64 849,846.08 1,439,922.76 59.02 100.00 4 93 4.30 100.00 61.43 432,402.97 0.01 100.00 0.00 0.01

BAND


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

PERCENTAGE

CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) LOSS RATIO

FROM TO f FPERCENTAGE

rp RP RPPERCENTAGE PERCENTAGE

f FPERCENTAGE

rp

Page 2 of 48


OCCUPATION : ALL

ZONE : ALL TO 31/12/2007


Table B.2


1 0.00 50.00 11071 11071 13.45 13.45 294.27 294.27 0.02 0.02 8 8 2.94 2.94 99.65 99.65 0.05 0.05 0.00 0.00

2 50.00 100.00 7060 18131 8.58 22.03 610.63 904.90 0.03 0.05 21 29 7.72 10.66 343.32 442.97 0.16 0.20 0.00 0.00

3 100.00 200.00 9211 27342 11.19 33.23 1,634.86 2,539.76 0.09 0.13 15 44 5.51 16.18 1,128.76 1,571.73 0.52 0.72 0.00 0.00

4 200.00 300.00 6152 33494 7.48 40.70 1,806.71 4,346.47 0.09 0.23 36 80 13.24 29.41 3,431.91 5,003.64 1.57 2.30 0.00 0.00

5 300.00 500.00 8149 41643 9.90 50.61 5,167.38 9,513.85 0.27 0.50 24 104 8.82 38.24 2,761.67 7,765.31 1.27 3.56 0.00 0.00

6 500.00 750.00 5858 47501 7.12 57.72 4,174.06 13,687.91 0.22 0.72 21 125 7.72 45.96 482.93 8,248.24 0.22 3.78 0.00 0.00

7 750.00 1,000.00 4729 52230 5.75 63.47 4,886.43 18,574.34 0.26 0.97 9 134 3.31 49.26 279.48 8,527.72 0.13 3.91 0.00 0.00

8 1,000.00 1,500.00 4994 57224 6.07 69.54 9,269.49 27,843.83 0.49 1.46 18 152 6.62 55.88 1,569.51 10,097.23 0.72 4.63 0.00 0.00

9 1,500.00 2,000.00 3195 60419 3.88 73.42 9,716.78 37,560.61 0.51 1.97 16 168 5.88 61.76 1,830.35 11,927.58 0.84 5.47 0.00 0.00

10 2,000.00 2,500.00 2151 62570 2.61 76.04 5,481.54 43,042.15 0.29 2.26 8 176 2.94 64.71 2,126.18 14,053.76 0.98 6.45 0.00 0.00

11 2,500.00 3,000.00 1770 64340 2.15 78.19 5,567.92 48,610.07 0.29 2.55 6 182 2.21 66.91 1,418.70 15,472.46 0.65 7.10 0.00 0.00

12 3,000.00 4,000.00 2416 66756 2.94 81.12 9,510.21 58,120.28 0.50 3.05 14 196 5.15 72.06 2,772.64 18,245.10 1.27 8.37 0.00 0.00

13 4,000.00 5,000.00 1868 68624 2.27 83.39 9,542.46 67,662.73 0.50 3.55 11 207 4.04 76.10 3,772.51 22,017.61 1.73 10.10 0.00 0.00

14 5,000.00 7,500.00 2684 71308 3.26 86.65 18,273.90 85,936.63 0.96 4.51 9 216 3.31 79.41 5,735.31 27,752.92 2.63 12.73 0.00 0.00

15 7,500.00 10,000.00 1767 73075 2.15 88.80 17,454.99 103,391.62 0.92 5.42 2 218 0.74 80.15 15.41 27,768.33 0.01 12.74 0.00 0.00

16 10,000.00 20,000.00 3268 76343 3.97 92.77 55,031.58 158,423.20 2.89 8.31 13 231 4.78 84.93 17,743.40 45,511.73 8.14 20.88 0.00 0.00

17 20,000.00 50,000.00 2963 79306 3.60 96.37 115,769.68 274,192.88 6.07 14.38 21 252 7.72 92.65 38,344.55 83,856.28 17.59 38.48 0.00 0.00

18 50,000.00 100,000.00 1439 80745 1.75 98.12 136,652.78 410,845.66 7.17 21.54 4 256 1.47 94.12 6,253.48 90,109.76 2.87 41.35 0.00 0.00

19 100,000.00 500,000.00 1258 82003 1.53 99.65 480,672.08 891,517.74 25.20 46.74 10 266 3.68 97.79 127,207.11 217,316.87 58.37 99.71 0.00 0.01

20 500,000.00 UP 287 82290 0.35 100.00 1,015,690.75 1,907,208.49 53.26 100.00 6 272 2.21 100.00 627.34 217,944.21 0.29 100.00 0.00 0.01


RISK & LOSS PROFILE

CLAIM FREQUENCY LOSS RATIO

BAND



PERCENTAGEFROM TO f F

PERCENTAGEPERCENTAGE rp RP

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

PERCENTAGEF rp f

PERCENTAGERP

Page 3 of 48


OCCUPATION : ALL

ZONE : ALL TO 31/12/2007


Table B.3


1 0.00 50.00 7225 7225 7.93 7.93 237.30 237.30 0.01 0.01 27 27 3.68 3.68 626.67 626.67 0.19 0.19 0.00 0.00

2 50.00 100.00 6287 13512 6.90 14.82 607.30 844.60 0.03 0.04 42 69 5.72 9.40 1,287.18 1,913.85 0.39 0.57 0.00 0.00

3 100.00 200.00 9411 22923 10.33 25.15 1,783.12 2,627.72 0.08 0.12 42 111 5.72 15.12 1,784.13 3,697.98 0.53 1.11 0.00 0.00

4 200.00 300.00 7748 30671 8.50 33.65 2,414.56 5,042.28 0.11 0.23 51 162 6.95 22.07 2,186.01 5,883.99 0.65 1.76 0.00 0.00

5 300.00 500.00 10862 41533 11.92 45.57 5,460.35 10,502.63 0.25 0.49 81 243 11.04 33.11 3,385.02 9,269.01 1.01 2.78 0.00 0.00

6 500.00 750.00 7990 49523 8.77 54.33 6,004.78 16,507.41 0.28 0.77 72 315 9.81 42.92 5,386.20 14,655.21 1.61 4.39 0.00 0.00

7 750.00 1,000.00 6241 55764 6.85 61.18 6,652.29 23,159.70 0.31 1.08 60 375 8.17 51.09 5,866.89 20,522.10 1.76 6.15 0.00 0.00

8 1,000.00 1,500.00 6103 61867 6.70 67.88 9,108.73 32,268.42 0.42 1.50 36 411 4.90 55.99 1,902.09 22,424.19 0.57 6.72 0.00 0.00

9 1,500.00 2,000.00 4010 65877 4.40 72.28 8,392.42 40,660.85 0.39 1.89 27 438 3.68 59.67 4,943.43 27,367.62 1.48 8.20 0.00 0.00

10 2,000.00 2,500.00 2651 68528 2.91 75.18 7,032.07 47,692.92 0.33 2.22 21 459 2.86 62.53 5,130.39 32,498.01 1.54 9.73 0.00 0.00

11 2,500.00 3,000.00 2041 70569 2.24 77.42 6,586.90 54,279.81 0.31 2.53 12 471 1.63 64.17 95.07 32,593.08 0.03 9.76 0.00 0.00

12 3,000.00 4,000.00 2870 73439 3.15 80.57 11,629.03 65,908.85 0.54 3.07 33 504 4.50 68.66 5,015.82 37,608.90 1.50 11.27 0.00 0.00

13 4,000.00 5,000.00 2059 75498 2.26 82.83 10,851.24 76,760.09 0.51 3.57 21 525 2.86 71.53 18,198.27 55,807.17 5.45 16.72 0.00 0.00

14 5,000.00 7,500.00 2981 78479 3.27 86.10 20,698.10 97,458.19 0.96 4.54 26 551 3.54 75.07 8,736.05 64,543.22 2.62 19.33 0.00 0.00

15 7,500.00 10,000.00 1974 80453 2.17 88.27 19,504.93 116,963.12 0.91 5.45 24 575 3.27 78.34 3,956.73 68,499.95 1.19 20.52 0.00 0.00

16 10,000.00 20,000.00 3457 83910 3.79 92.06 55,832.96 172,796.08 2.60 8.05 48 623 6.54 84.88 29,760.87 98,260.82 8.91 29.43 0.00 0.00

17 20,000.00 50,000.00 3139 87049 3.44 95.50 111,558.74 284,354.82 5.19 13.24 39 662 5.31 90.19 58,485.81 156,746.63 17.52 46.95 0.00 0.00

18 50,000.00 100,000.00 1572 88621 1.72 97.23 124,186.53 408,541.35 5.78 19.02 21 683 2.86 93.05 11,958.06 168,704.69 3.58 50.53 0.00 0.00

19 100,000.00 500,000.00 1909 90530 2.09 99.32 450,440.28 858,981.63 20.97 39.99 39 722 5.31 98.37 15,969.84 184,674.53 4.78 55.32 0.00 0.00

20 500,000.00 UP 617 91147 0.68 100.00 1,288,873.89 2,147,855.52 60.01 100.00 12 734 1.63 100.00 149,171.31 333,845.84 44.68 100.00 0.00 0.00


RISK & LOSS PROFILE


BAND

SUM INSURED (BAND)

(In Million Rp.)NUMBER OF RISKS



PERCENTAGEF rp f

PERCENTAGERP

Page 4 of 48


OCCUPATION : ALL

ZONE : ALL TO 31/12/2007


Table B.4


1 0.00 50.00 3,064 3064 6.68 6.68 105.14 105.14 0.01 0.01 0 0 - - - - - - 0.00 0.00

2 50.00 100.00 2,902 5966 6.33 13.01 283.71 388.85 0.02 0.03 9 9 4.29 4.29 216.37 216.37 0.10 0.10 0.00 0.00

3 100.00 200.00 5,356 11322 11.68 24.69 1,001.07 1,389.92 0.07 0.09 18 27 8.57 12.86 570.59 786.96 0.27 0.38 0.00 0.00

4 200.00 300.00 4,006 15328 8.73 33.42 1,266.15 2,656.07 0.08 0.17 22 49 10.48 23.33 607.73 1,394.69 0.29 0.67 0.00 0.00

5 300.00 500.00 5,600 20928 12.21 45.63 2,861.90 5,517.97 0.19 0.36 31 80 14.76 38.10 1,387.60 2,782.29 0.67 1.34 0.00 0.00

6 500.00 750.00 3,958 24886 8.63 54.26 3,036.67 8,554.64 0.20 0.56 21 101 10.00 48.10 1,122.66 3,904.95 0.54 1.88 0.00 0.00

7 750.00 1,000.00 3,368 28254 7.34 61.61 3,696.06 12,250.70 0.24 0.81 24 125 11.43 59.52 1,402.56 5,307.51 0.67 2.55 0.00 0.00

8 1,000.00 1,500.00 3,212 31466 7.00 68.61 4,884.51 17,135.22 0.32 1.13 9 134 4.29 63.81 1,475.78 6,783.29 0.71 3.26 0.00 0.00

9 1,500.00 2,000.00 2,106 33572 4.59 73.20 4,476.27 21,611.49 0.29 1.42 11 145 5.24 69.05 1,539.40 8,322.69 0.74 4.00 0.00 0.00

10 2,000.00 2,500.00 1,295 34867 2.82 76.02 3,514.63 25,126.12 0.23 1.65 5 150 2.38 71.43 582.79 8,905.48 0.28 4.28 0.00 0.00

11 2,500.00 3,000.00 1,032 35899 2.25 78.27 3,441.80 28,567.91 0.23 1.88 9 159 4.29 75.71 1,977.44 10,882.92 0.95 5.23 0.00 0.00

12 3,000.00 4,000.00 1,382 37281 3.01 81.29 5,805.97 34,373.88 0.38 2.26 7 166 3.33 79.05 3,474.10 14,357.02 1.67 6.90 0.00 0.00

13 4,000.00 5,000.00 996 38277 2.17 83.46 5,245.36 39,619.24 0.34 2.61 5 171 2.38 81.43 433.93 14,790.95 0.21 7.11 0.00 0.00

14 5,000.00 7,500.00 1,364 39641 2.97 86.43 9,725.71 49,344.95 0.64 3.25 6 177 2.86 84.29 1,318.57 16,109.52 0.63 7.74 0.00 0.00

15 7,500.00 10,000.00 995 40636 2.17 88.60 9,768.19 59,113.14 0.64 3.89 0 177 - 84.29 - 16,109.52 - 7.74 0.00 0.00

16 10,000.00 20,000.00 1,598 42234 3.48 92.09 26,858.32 85,971.46 1.77 5.65 3 180 1.43 85.71 950.00 17,059.52 0.46 8.20 0.00 0.00

17 20,000.00 50,000.00 1,639 43873 3.57 95.66 60,039.37 146,010.83 3.95 9.60 9 189 4.29 90.00 17,484.75 34,544.27 8.40 16.60 0.00 0.00

18 50,000.00 100,000.00 772 44645 1.68 97.34 108,213.69 254,224.52 7.12 16.72 4 193 4.00 94.00 5,770.96 40,315.23 2.77 19.37 0.00 0.00

19 100,000.00 500,000.00 893 45538 1.95 99.29 462,822.74 717,047.26 30.44 47.16 11 204 5.24 99.24 19,365.22 59,680.45 9.30 28.67 0.00 0.00

20 500,000.00 UP 325 45863 0.71 100.00 803,499.27 1,520,546.53 52.84 100.00 6 210 2.86 102.10 148,478.30 208,158.75 71.33 100.00 0.00 0.01

PERCENTAGEF rp f

PERCENTAGERP

PERCENTAGEPERCENTAGE rp RPFROM TO f F



RISK & LOSS PROFILE


BAND



PERCENTAGE

Page 5 of 48

UNDERWRITING YEAR : DATA POSITION FROM 01/01/2004

OCCUPATION :

ZONE : TO 31/12/2007

Table C.1 PROCESSING DATE 28/02/2008


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PERCENTAGE

NUMBER OF RISKS

f

2004

AGRICULTURAL

ALL

GROSS PREMIUM (In Million Rp.)

RISK & LOSS PROFILE

FRPPERCENTAGE

FROM TO rp PERCENTAGE PERCENTAGE

INCURRED CLAIM (In Million Rp.)



BAND

f FPERCENTAGE


Million Rp.)

rp RP

Page 6 of 48


OCCUPATION :

ZONE : TO 31/12/2007



1 0.00 50.00 4162 4162 13.85 13.85 117.73 117.73 0.04 0.04 0 0 - - - - - - 0.00 0.00

2 50.00 100.00 2549 6711 8.48 22.33 221.31 339.04 0.07 0.11 1 1 1.96 1.96 80.92 80.92 0.60 0.60 0.00 0.00

3 100.00 200.00 3833 10544 12.76 35.09 688.66 1,027.70 0.22 0.32 2 3 3.92 5.88 144.25 225.17 1.07 1.67 0.00 0.00

4 200.00 300.00 2818 13362 9.38 44.47 825.41 1,853.11 0.26 0.58 2 5 3.92 9.80 116.19 341.36 0.86 2.53 0.00 0.00

5 300.00 500.00 3344 16706 11.13 55.59 1,803.22 3,656.33 0.57 1.15 2 7 3.92 13.73 190.29 531.65 1.41 3.94 0.00 0.00

6 500.00 750.00 2008 18714 6.68 62.28 1,504.55 5,160.88 0.47 1.62 3 10 5.88 19.61 186.78 718.43 1.38 5.32 0.00 0.00

7 750.00 1,000.00 1572 20286 5.23 67.51 1,736.35 6,897.23 0.55 2.17 2 12 3.92 23.53 425.33 1,143.76 3.15 8.47 0.00 0.00

8 1,000.00 1,500.00 1882 22168 6.26 73.77 3,731.63 10,628.86 1.17 3.34 7 19 13.73 37.25 2,434.43 3,578.19 18.03 26.51 0.01 0.01

9 1,500.00 2,000.00 1131 23299 3.76 77.53 2,294.47 12,923.33 0.72 4.06 2 21 3.92 41.18 1,253.16 4,831.35 9.28 35.79 0.00 0.01

10 2,000.00 2,500.00 768 24067 2.56 80.09 1,953.76 14,877.09 0.61 4.67 8 29 15.69 56.86 827.25 5,658.60 6.13 41.92 0.00 0.01

11 2,500.00 3,000.00 608 24675 2.02 82.11 1,944.65 16,821.74 0.61 5.28 2 31 3.92 60.78 48.75 5,707.35 0.36 42.28 0.00 0.01

12 3,000.00 4,000.00 824 25499 2.74 84.86 3,401.54 20,223.29 1.07 6.35 4 35 7.84 68.63 455.36 6,162.71 3.37 45.65 0.00 0.01

13 4,000.00 5,000.00 669 26168 2.23 87.08 3,624.49 23,847.77 1.14 7.49 1 36 1.96 70.59 4,917.04 11,079.75 36.42 82.08 0.01 0.03

14 5,000.00 7,500.00 843 27011 2.81 89.89 6,552.06 30,399.83 2.06 9.55 7 43 13.73 84.31 477.50 11,557.25 3.54 85.61 0.00 0.03

15 7,500.00 10,000.00 499 27510 1.66 91.55 5,222.94 35,622.78 1.64 11.19 0 43 - 84.31 - 11,557.25 - 85.61 0.00 0.03

16 10,000.00 20,000.00 951 28461 3.16 94.71 17,097.27 52,720.04 5.37 16.56 2 45 3.92 88.24 690.93 12,248.18 5.12 90.73 0.00 0.03

17 20,000.00 50,000.00 891 29352 2.97 97.68 38,521.47 91,241.51 12.10 28.65 0 45 - 88.24 - 12,248.18 - 90.73 0.00 0.03

18 50,000.00 100,000.00 388 29740 1.29 98.97 39,041.30 130,282.82 12.26 40.91 2 47 3.92 92.16 350.02 12,598.20 2.59 93.32 0.00 0.03

19 100,000.00 500,000.00 274 30014 0.91 99.88 83,096.80 213,379.62 26.10 67.01 4 51 7.84 100.00 901.33 13,499.53 6.68 100.00 0.00 0.03

20 500,000.00 UP 36 30050 0.12 100.00 105,045.16 318,424.78 32.99 100.00 0 51 - 100.00 - 13,499.53 - 100.00 0.00 0.03

ALL



RISK & LOSS PROFILE


BAND

f F


Million Rp.)

2004

COMMERCIAL


PERCENTAGE

NUMBER OF RISKS

fPERCENTAGE

RP rp RPFROM TOPERCENTAGEPERCENTAGE PERCENTAGE

F rp

Page 7 of 48


OCCUPATION :

ZONE : TO 31/12/2007


Table C.3


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 11.32 11.32 0.00 0.00 0.00 0.00

2 50.00 100.00 469 1237 3.66 9.66 38.81 58.39 0.00 0.01 0 1 - 5.26 - 11.32 - 0.00 0.00 0.00

3 100.00 200.00 789 2026 6.16 15.82 132.23 190.62 0.01 0.02 1 2 5.26 10.53 330.26 341.58 0.06 0.06 0.00 0.00

4 200.00 300.00 503 2529 3.93 19.75 135.92 326.54 0.01 0.03 2 4 10.53 21.05 431.67 773.25 0.07 0.13 0.00 0.00

5 300.00 500.00 738 3267 5.76 25.51 342.01 668.55 0.03 0.06 0 4 - 21.05 - 773.25 - 0.13 0.00 0.00

6 500.00 750.00 594 3861 4.64 30.15 398.17 1,066.73 0.04 0.10 3 7 15.79 36.84 455.68 1,228.93 0.08 0.21 0.00 0.00

7 750.00 1,000.00 519 4380 4.05 34.20 581.12 1,647.85 0.06 0.16 1 8 5.26 42.11 313.78 1,542.71 0.05 0.26 0.00 0.00

8 1,000.00 1,500.00 740 5120 5.78 39.98 998.14 2,645.99 0.09 0.25 0 8 - 42.11 - 1,542.71 - 0.26 0.00 0.00

9 1,500.00 2,000.00 537 5657 4.19 44.17 1,017.57 3,663.56 0.10 0.35 0 8 - 42.11 - 1,542.71 - 0.26 0.00 0.00

10 2,000.00 2,500.00 449 6106 3.51 47.67 1,144.94 4,808.50 0.11 0.46 0 8 - 42.11 - 1,542.71 - 0.26 0.00 0.00

11 2,500.00 3,000.00 384 6490 3.00 50.67 1,685.46 6,493.97 0.16 0.62 1 9 5.26 47.37 800.00 2,342.71 0.13 0.39 0.00 0.00

12 3,000.00 4,000.00 563 7053 4.40 55.07 2,372.80 8,866.76 0.22 0.84 1 10 5.26 52.63 6.38 2,349.09 0.00 0.39 0.00 0.00

13 4,000.00 5,000.00 435 7488 3.40 58.46 2,253.54 11,120.30 0.21 1.05 0 10 - 52.63 - 2,349.09 - 0.39 0.00 0.00

14 5,000.00 7,500.00 705 8193 5.50 63.97 4,923.08 16,043.37 0.47 1.52 0 10 - 52.63 - 2,349.09 - 0.39 0.00 0.00

15 7,500.00 10,000.00 556 8749 4.34 68.31 5,515.15 21,558.53 0.52 2.04 0 10 - 52.63 - 2,349.09 - 0.39 0.00 0.00

16 10,000.00 20,000.00 1190 9939 9.29 77.60 20,757.47 42,316.00 1.97 4.01 2 12 10.53 63.16 196.64 2,545.73 0.03 0.43 0.00 0.00

17 20,000.00 50,000.00 1314 11253 10.26 87.86 49,529.82 91,845.82 4.69 8.70 2 14 10.53 73.68 2.83 2,548.56 0.00 0.43 0.00 0.00

18 50,000.00 100,000.00 659 11912 5.15 93.00 53,535.51 145,381.33 5.07 13.77 0 14 - 73.68 - 2,548.56 - 0.43 0.00 0.00

19 100,000.00 500,000.00 679 12591 5.30 98.31 174,198.61 319,579.94 16.50 30.28 1 15 5.26 78.95 56.14 2,604.70 0.01 0.44 0.00 0.00

20 500,000.00 UP 217 12808 1.69 100.00 735,879.49 1,055,459.43 69.72 100.00 4 19 21.05 100.00 593,712.57 596,317.27 99.56 100.00 0.01 0.01



2004

INDUSTRIAL

ALL


FPERCENTAGE

rp RP


RISK & LOSS PROFILE

rp RPPERCENTAGE

BAND

f

CLAIM FREQUENCY LOSS RATIOSUM INSURED (BAND) (In

Million Rp.)

FROM TO fFPERCENTAGE

NUMBER OF RISKS

Page 8 of 48


OCCUPATION :

ZONE : TO 31/12/2007



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

2 50.00 100.00 836 1433 9.29 15.93 78.70 96.89 0.13 0.16 2 2 8.70 8.70 15.10 15.10 0.43 0.43 0.00 0.00

3 100.00 200.00 1129 2562 12.55 28.47 209.62 306.51 0.36 0.52 3 5 13.04 21.74 30.90 46.00 0.88 1.31 0.00 0.00

4 200.00 300.00 940 3502 10.45 38.92 308.94 615.45 0.52 1.04 2 7 8.70 30.43 28.43 74.43 0.81 2.12 0.00 0.00

5 300.00 500.00 1151 4653 12.79 51.71 586.00 1,201.45 0.99 2.04 6 13 26.09 56.52 758.68 833.11 21.60 23.72 0.04 0.04

6 500.00 750.00 879 5532 9.77 61.48 678.90 1,880.35 1.15 3.19 2 15 8.70 65.22 12.45 845.56 0.35 24.08 0.00 0.04

7 750.00 1,000.00 681 6213 7.57 69.05 754.87 2,635.22 1.28 4.47 3 18 13.04 78.26 478.45 1,324.01 13.62 37.70 0.02 0.06

8 1,000.00 1,500.00 650 6863 7.22 76.27 996.77 3,631.99 1.69 6.16 2 20 8.70 86.96 994.85 2,318.86 28.33 66.03 0.05 0.11

9 1,500.00 2,000.00 334 7197 3.71 79.98 730.44 4,362.44 1.24 7.40 2 22 8.70 95.65 1,180.65 3,499.51 33.62 99.65 0.06 0.17

10 2,000.00 2,500.00 276 7473 3.07 83.05 813.69 5,176.12 1.38 8.78 0 22 - 95.65 - 3,499.51 - 99.65 0.00 0.17

11 2,500.00 3,000.00 185 7658 2.06 85.11 628.67 5,804.79 1.07 9.84 0 22 - 95.65 - 3,499.51 - 99.65 0.00 0.17

12 3,000.00 4,000.00 201 7859 2.23 87.34 882.64 6,687.43 1.50 11.34 0 22 - 95.65 - 3,499.51 - 99.65 0.00 0.17

13 4,000.00 5,000.00 183 8042 2.03 89.38 1,066.82 7,754.25 1.81 13.15 0 22 - 95.65 - 3,499.51 - 99.65 0.00 0.17

14 5,000.00 7,500.00 235 8277 2.61 91.99 1,895.38 9,649.63 3.21 16.36 0 22 - 95.65 - 3,499.51 - 99.65 0.00 0.17

15 7,500.00 10,000.00 150 8427 1.67 93.65 1,665.55 11,315.17 2.82 19.19 0 22 - 95.65 - 3,499.51 - 99.65 0.00 0.17

16 10,000.00 20,000.00 193 8620 2.14 95.80 3,665.63 14,980.80 6.22 25.41 1 23 4.35 100.00 12.40 3,511.91 0.35 100.00 0.00 0.17

17 20,000.00 50,000.00 194 8814 2.16 97.96 8,147.42 23,128.23 13.82 39.22 0 23 - 100.00 - 3,511.91 - 100.00 0.00 0.17

18 50,000.00 100,000.00 99 8913 1.10 99.06 9,350.16 32,478.39 15.86 55.08 0 23 - 100.00 - 3,511.91 - 100.00 0.00 0.17

19 100,000.00 500,000.00 76 8989 0.84 99.90 17,567.06 50,045.45 29.79 84.87 0 23 - 100.00 - 3,511.91 - 100.00 0.00 0.17

20 500,000.00 UP 9 8998 0.10 100.00 8,921.43 58,966.87 15.13 100.00 0 23 - 100.00 - 3,511.91 - 100.00 0.00 0.17

ALL



RISK & LOSS PROFILE


BAND

f F


Million Rp.)

2004

RESIDENTIAL


PERCENTAGE

NUMBER OF RISKS

fPERCENTAGE

RP rp RPFROM TOPERCENTAGEPERCENTAGE PERCENTAGE

F rp

Page 9 of 48


OCCUPATION :

ZONE : ALL TO 31/12/2007


Table C.5


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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 0.11 0.11

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 - 100.00 - 679.14 - 100.00 0.00 0.11

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 - 100.00 - 679.14 - 100.00 0.00 0.11

20 500,000.00 UP 1 607 0.16 100.00 81,510.96 90,000.69 90.57 100.00 0 1 - 100.00 - 679.14 - 100.00 0.00 0.11

RP

NUMBER OF RISKS

fPERCENTAGE

rp



BAND

f FPERCENTAGE PERCENTAGE PERCENTAGE


Million Rp.)

RISK & LOSS PROFILE

FRPPERCENTAGE

FROM TO rp

AGRICULTURAL


Page 10 of 48


OCCUPATION :

ZONE : ALL TO 31/12/2007


Table C.6


1 0.00 50.00 7839 7839 16.90 16.90 215.42 215.42 0.04 0.04 8 8 3.31 3.31 99.65 99.65 0.05 0.05 0.00 0.00

2 50.00 100.00 4715 12554 10.17 27.07 405.63 621.04 0.08 0.12 19 27 7.85 11.16 330.27 429.92 0.15 0.20 0.00 0.00

3 100.00 200.00 5398 17952 11.64 38.71 959.64 1,580.69 0.19 0.32 12 39 4.96 16.12 1,044.07 1,473.99 0.49 0.69 0.00 0.00

4 200.00 300.00 3420 21372 7.37 46.08 1,008.98 2,589.67 0.20 0.52 32 71 13.22 29.34 3,306.44 4,780.43 1.54 2.23 0.00 0.00

5 300.00 500.00 4635 26007 9.99 56.07 2,165.18 4,754.85 0.43 0.95 21 92 8.68 38.02 2,595.62 7,376.05 1.21 3.44 0.00 0.00

6 500.00 750.00 3261 29268 7.03 63.11 2,272.56 7,027.41 0.46 1.41 18 110 7.44 45.45 372.64 7,748.69 0.17 3.62 0.00 0.00

7 750.00 1,000.00 2808 32076 6.05 69.16 2,871.45 9,898.86 0.58 1.98 6 116 2.48 47.93 183.66 7,932.35 0.09 3.70 0.00 0.00

8 1,000.00 1,500.00 2881 34957 6.21 75.37 4,204.65 14,103.51 0.84 2.83 18 134 7.44 55.37 1,569.51 9,501.86 0.73 4.43 0.00 0.00

9 1,500.00 2,000.00 1770 36727 3.82 79.19 3,632.32 17,735.84 0.73 3.56 15 149 6.20 61.57 1,532.01 11,033.87 0.71 5.15 0.00 0.00

10 2,000.00 2,500.00 1202 37929 2.59 81.78 3,075.61 20,811.44 0.62 4.17 7 156 2.89 64.46 732.97 11,766.84 0.34 5.49 0.00 0.00

11 2,500.00 3,000.00 935 38864 2.02 83.80 2,904.33 23,715.78 0.58 4.76 5 161 2.07 66.53 1,339.81 13,106.65 0.63 6.12 0.00 0.00

12 3,000.00 4,000.00 1281 40145 2.76 86.56 5,077.44 28,793.22 1.02 5.77 13 174 5.37 71.90 2,730.78 15,837.43 1.27 7.39 0.00 0.00

13 4,000.00 5,000.00 927 41072 2.00 88.56 4,749.84 33,543.05 0.95 6.73 11 185 4.55 76.45 3,772.51 19,609.94 1.76 9.15 0.00 0.00

14 5,000.00 7,500.00 1236 42308 2.66 91.22 8,438.09 41,981.15 1.69 8.42 9 194 3.72 80.17 5,735.31 25,345.25 2.68 11.83 0.00 0.00

15 7,500.00 10,000.00 795 43103 1.71 92.94 7,895.86 49,877.01 1.58 10.00 2 196 0.83 80.99 15.41 25,360.66 0.01 11.84 0.00 0.00

16 10,000.00 20,000.00 1338 44441 2.88 95.82 22,951.33 72,828.34 4.60 14.60 12 208 4.96 85.95 17,648.40 43,009.06 8.24 20.07 0.00 0.00

17 20,000.00 50,000.00 1038 45479 2.24 98.06 43,078.15 115,906.49 8.64 23.24 18 226 7.44 93.39 37,435.35 80,444.41 17.47 37.54 0.00 0.01

18 50,000.00 100,000.00 489 45968 1.05 99.11 56,225.26 172,131.76 11.27 34.51 4 230 1.65 95.04 6,253.48 86,697.89 2.92 40.46 0.00 0.01

19 100,000.00 500,000.00 374 46342 0.81 99.92 259,112.46 431,244.22 51.95 86.47 9 239 3.72 98.76 127,193.03 213,890.92 59.36 99.82 0.01 0.02

20 500,000.00 1,000,000.00 37 46379 0.08 100.00 67,502.54 498,746.76 13.53 100.00 3 242 1.24 100.00 394.20 214,285.12 0.18 100.00 0.00 0.02

FROM TO rp

RISK & LOSS PROFILE

COMMERCIAL

GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.) NUMBER OF RISKS

RPPERCENTAGE



BAND

f FPERCENTAGE PERCENTAGE


Million Rp.)

PERCENTAGEPERCENTAGE rp RPFf

Page 11 of 48


OCCUPATION :

ZONE : TO 31/12/2007


Table C.7


1 0.00 50.00 1826 1826 10.19 10.19 40.83 40.83 0.00 0.00 0 0 - - - - - - 0.00 0.00

2 50.00 100.00 817 2643 4.56 14.76 64.18 105.00 0.01 0.01 0 0 - - - - - - 0.00 0.00

3 100.00 200.00 999 3642 5.58 20.33 155.23 260.24 0.02 0.03 0 0 - - - - - - 0.00 0.00

4 200.00 300.00 665 4307 3.71 24.05 170.40 430.64 0.02 0.05 0 0 - - - - - - 0.00 0.00

5 300.00 500.00 895 5202 5.00 29.04 1,725.88 2,156.52 0.19 0.24 0 0 - - - - - - 0.00 0.00

6 500.00 750.00 888 6090 4.96 34.00 612.11 2,768.63 0.07 0.31 0 0 - - - - - - 0.00 0.00

7 750.00 1,000.00 738 6828 4.12 38.12 723.14 3,491.77 0.08 0.39 0 0 - - - - - - 0.00 0.00

8 1,000.00 1,500.00 1057 7885 5.90 44.02 3,446.38 6,938.15 0.39 0.78 0 0 - - - - - - 0.00 0.00

9 1,500.00 2,000.00 787 8672 4.39 48.42 4,707.04 11,645.19 0.53 1.31 1 1 11.11 11.11 298.34 298.34 33.28 33.28 0.00 0.00

10 2,000.00 2,500.00 560 9232 3.13 51.54 1,382.79 13,027.98 0.16 1.46 0 1 - 11.11 - 298.34 - 33.28 0.00 0.00-

11 2,500.00 3,000.00 514 9746 2.87 54.41 1,603.25 14,631.23 0.18 1.64 1 2 11.11 22.22 78.89 377.23 8.80 42.08 0.00 0.00

12 3,000.00 4,000.00 763 10509 4.26 58.67 2,880.21 17,511.44 0.32 1.97 1 3 11.11 33.33 41.86 419.09 4.67 46.75 0.00 0.01

13 4,000.00 5,000.00 592 11101 3.31 61.98 2,905.27 20,416.71 0.33 2.30 0 3 - 33.33 - 419.09 - 46.75 0.00 0.01

14 5,000.00 7,500.00 1019 12120 5.69 67.67 6,870.05 27,286.76 0.77 3.07 0 3 - 33.33 - 419.09 - 46.75 0.00 0.01

15 7,500.00 10,000.00 749 12869 4.18 71.85 7,184.85 34,471.60 0.81 3.87 0 3 - 33.33 - 419.09 - 46.75 0.00 0.01

16 10,000.00 20,000.00 1547 14416 8.64 80.49 25,731.68 60,203.28 2.89 6.77 0 3 - 33.33 - 419.09 - 46.75 0.00 0.01

17 20,000.00 50,000.00 1657 16073 9.25 89.74 61,930.69 122,133.97 6.96 13.73 2 5 22.22 55.56 230.06 649.15 25.67 72.42 0.00 0.01

18 50,000.00 100,000.00 813 16886 4.54 94.28 67,723.27 189,857.24 7.61 21.34 0 5 - 55.56 - 649.15 - 72.42 0.00 0.01

19 100,000.00 500,000.00 789 17675 4.41 98.68 197,726.12 387,583.37 22.23 43.57 1 6 11.11 66.67 14.08 663.23 1.57 73.99 0.00 0.01

20 500,000.00 UP 236 17911 1.32 100.00 502,033.15 889,616.51 56.43 100.00 3 9 33.33 100.00 233.14 896.37 26.01 100.00 0.00 0.01

2005

INDUSTRIAL

ALL



RISK & LOSS PROFILE

rp RPPERCENTAGE

BAND

f FPERCENTAGE

NUMBER OF RISKSSUM INSURED (BAND) (In

Million Rp.)

FROM TO


f FPERCENTAGE

rp RPPERCENTAGE PERCENTAGE


Page 12 of 48


OCCUPATION : RESIDENTIAL

ZONE : TO 31/12/2007


Table C.8


1 0.00 50.00 1355 1355 7.79 7.79 36.59 36.59 0.01 0.01 0 0 - - - - - - 0.00 0.00

2 50.00 100.00 1501 2856 8.63 16.42 138.72 175.32 0.03 0.04 2 2 10.00 10.00 13.05 13.05 0.63 0.63 0.00 0.00

3 100.00 200.00 2778 5634 15.97 32.39 514.25 689.57 0.12 0.16 3 5 15.00 25.00 84.69 97.74 4.06 4.69 0.00 0.00

4 200.00 300.00 2050 7684 11.79 44.18 622.52 1,312.09 0.15 0.31 4 9 20.00 45.00 125.47 223.21 6.02 10.71 0.00 0.00

5 300.00 500.00 2582 10266 14.85 59.02 1,259.16 2,571.25 0.29 0.60 3 12 15.00 60.00 166.05 389.26 7.97 18.68 0.00 0.00

6 500.00 750.00 1678 11944 9.65 68.67 1,266.54 3,837.80 0.30 0.89 3 15 15.00 75.00 110.29 499.55 5.29 23.98 0.00 0.01

7 750.00 1,000.00 1162 13106 6.68 75.35 1,269.36 5,107.16 0.30 1.19 3 18 15.00 90.00 95.82 595.37 4.60 28.57 0.00 0.01

8 1,000.00 1,500.00 1027 14133 5.90 81.26 1,576.47 6,683.63 0.37 1.56 0 18 - 90.00 - 595.37 - 28.57 0.00 0.01

9 1,500.00 2,000.00 618 14751 3.55 84.81 1,337.26 8,020.89 0.31 1.87 0 18 - 90.00 - 595.37 - 28.57 0.00 0.01

10 2,000.00 2,500.00 375 15126 2.16 86.97 984.63 9,005.52 0.23 2.10 1 19 5.00 95.00 1,393.21 1,988.58 66.87 95.44 0.02 0.02

11 2,500.00 3,000.00 310 15436 1.78 88.75 1,024.88 10,030.40 0.24 2.34 0 19 - 95.00 - 1,988.58 - 95.44 0.00 0.02

12 3,000.00 4,000.00 348 15784 2.00 90.75 1,456.61 11,487.01 0.34 2.68 0 19 - 95.00 - 1,988.58 - 95.44 0.00 0.02

13 4,000.00 5,000.00 317 16101 1.82 92.57 1,729.21 13,216.22 0.40 3.08 0 19 - 95.00 - 1,988.58 - 95.44 0.00 0.02

14 5,000.00 7,500.00 368 16469 2.12 94.69 2,568.93 15,785.15 0.60 3.68 0 19 - 95.00 - 1,988.58 - 95.44 0.00 0.02

15 7,500.00 10,000.00 192 16661 1.10 95.79 2,126.94 17,912.10 0.50 4.18 0 19 - 95.00 - 1,988.58 - 95.44 0.00 0.02

16 10,000.00 20,000.00 313 16974 1.80 97.59 5,339.04 23,251.14 1.24 5.42 1 20 5.00 100.00 95.00 2,083.58 4.56 100.00 0.00 0.02

17 20,000.00 50,000.00 229 17203 1.32 98.91 9,390.76 32,641.90 2.19 7.61 0 20 - 100.00 - 2,083.58 - 100.00 0.00 0.02

18 50,000.00 100,000.00 100 17303 0.57 99.48 10,046.35 42,688.25 2.34 9.95 0 20 - 100.00 - 2,083.58 - 100.00 0.00 0.02

19 100,000.00 500,000.00 77 17380 0.44 99.93 21,512.18 64,200.43 5.02 14.97 0 20 - 100.00 - 2,083.58 - 100.00 0.00 0.02

20 500,000.00 UP 13 17393 0.07 100.00 364,644.10 428,844.53 85.03 100.00 0 20 - 100.00 - 2,083.58 - 100.00 0.00 0.02



2005

ALL


FPERCENTAGE

rp RP


RISK & LOSS PROFILE

rp RPPERCENTAGE

BAND

f

CLAIM FREQUENCY LOSS RATIOSUM INSURED (BAND) (In


FROM TO fFPERCENTAGE

Page 13 of 48


OCCUPATION : AGRICULTURAL

ZONE : ALL ZONE TO 31/12/2007


Table C.9


1 0.00 50.00 3 3 0.51 0.51 0.14 0.14 0.00 0.00 0 0 - - - - - - 0.00 0.00

2 50.00 100.00 3 6 0.51 1.02 0.25 0.39 0.00 0.00 0 0 - - - - - - 0.00 0.00

3 100.00 200.00 12 18 2.04 3.06 2.24 2.63 0.01 0.01 0 0 - - - - - - 0.00 0.00

4 200.00 300.00 7 25 1.19 4.24 2.06 4.69 0.01 0.02 0 0 - - - - - - 0.00 0.00

5 300.00 500.00 21 46 3.57 7.81 9.85 14.53 0.04 0.06 0 0 - - - - - - 0.00 0.00

6 500.00 750.00 19 65 3.23 11.04 14.92 29.46 0.06 0.13 0 0 - - - - - - 0.00 0.00

7 750.00 1,000.00 21 86 3.57 14.60 22.27 51.73 0.10 0.22 0 0 - - - - - - 0.00 0.00

8 1,000.00 1,500.00 16 102 2.72 17.32 24.17 75.90 0.10 0.33 0 0 - - - - - - 0.00 0.00

9 1,500.00 2,000.00 15 117 2.55 19.86 30.68 106.58 0.13 0.46 0 0 - - - - - - 0.00 0.00

10 2,000.00 2,500.00 5 122 0.85 20.71 14.72 121.30 0.06 0.52 0 0 - - - - - - 0.00 0.00

11 2,500.00 3,000.00 9 131 1.53 22.24 27.92 149.22 0.12 0.64 0 0 - - - - - - 0.00 0.00

12 3,000.00 4,000.00 41 172 6.96 29.20 130.91 280.13 0.56 1.20 0 0 - - - - - - 0.00 0.00

13 4,000.00 5,000.00 22 194 3.74 32.94 105.03 385.15 0.45 1.65 0 0 - - - - - - 0.00 0.00

14 5,000.00 7,500.00 70 264 11.88 44.82 492.51 877.66 2.11 3.77 2 2 100.00 100.00 500.00 500.00 100.00 100.00 0.43 0.43

15 7,500.00 10,000.00 30 294 5.09 49.92 292.96 1,170.63 1.26 5.03 0 2 - 100.00 - 500.00 - 100.00 0.00 0.43

16 10,000.00 20,000.00 82 376 13.92 63.84 1,240.54 2,411.17 5.33 10.35 0 2 - 100.00 - 500.00 - 100.00 0.00 0.43

17 20,000.00 50,000.00 84 460 14.26 78.10 3,052.87 5,464.04 13.11 23.46 0 2 - 100.00 - 500.00 - 100.00 0.00 0.43

18 50,000.00 100,000.00 56 516 9.51 87.61 4,178.21 9,642.25 17.94 41.40 0 2 - 100.00 - 500.00 - 100.00 0.00 0.43

19 100,000.00 500,000.00 69 585 11.71 99.32 10,695.23 20,337.48 45.92 87.33 0 2 - 100.00 - 500.00 - 100.00 0.00 0.43

20 500,000.00 UP 4 589 0.68 100.00 2,951.01 23,288.49 12.67 100.00 0 2 - 100.00 - 500.00 - 100.00 0.00 0.43

RISK & LOSS PROFILE

FRPPERCENTAGE

FROM TO rp


PERCENTAGERP

NUMBER OF RISKS

fPERCENTAGE


BAND


SUM INSURED (BAND)

(In Million Rp.)

rp

Page 14 of 48


OCCUPATION : COMMERCIAL



Table C.10


1 0.00 50.00 4,595 4595 9.33 9.33 153.37 153.37 0.03 0.03 9 9 3.69 3.69 208.89 208.89 0.19 0.19 0.00 0.00

2 50.00 100.00 3,514 8109 7.14 16.47 344.30 497.67 0.07 0.11 14 23 5.74 9.43 429.06 637.95 0.39 0.57 0.00 0.00

3 100.00 200.00 4,708 12817 9.56 26.03 895.17 1,392.84 0.19 0.30 14 37 5.74 15.16 594.71 1,232.66 0.54 1.11 0.00 0.00

4 200.00 300.00 3,775 16592 7.67 33.70 1,177.36 2,570.20 0.25 0.55 17 54 6.97 22.13 728.67 1,961.33 0.66 1.77 0.00 0.00

5 300.00 500.00 5,486 22078 11.14 44.84 2,748.00 5,318.20 0.58 1.13 27 81 11.07 33.20 1,128.34 3,089.67 1.02 2.78 0.00 0.00

6 500.00 750.00 4,613 26691 9.37 54.21 3,430.43 8,748.62 0.73 1.86 24 105 9.84 43.03 1,795.40 4,885.07 1.62 4.40 0.00 0.00

7 750.00 1,000.00 3,643 30334 7.40 61.61 3,871.11 12,619.73 0.82 2.68 20 125 8.20 51.23 1,955.63 6,840.70 1.76 6.16 0.00 0.00

8 1,000.00 1,500.00 3,746 34080 7.61 69.22 5,577.79 18,197.51 1.18 3.86 12 137 4.92 56.15 634.03 7,474.73 0.57 6.73 0.00 0.00

9 1,500.00 2,000.00 2,453 36533 4.98 74.20 5,115.95 23,313.47 1.09 4.95 9 146 3.69 59.84 1,647.81 9,122.54 1.48 8.21 0.00 0.00

10 2,000.00 2,500.00 1,629 38162 3.31 77.51 4,300.82 27,614.28 0.91 5.86 7 153 2.87 62.70 1,710.13 10,832.67 1.54 9.75 0.00 0.00

11 2,500.00 3,000.00 1,202 39364 2.44 79.95 3,865.57 31,479.86 0.82 6.68 4 157 1.64 64.34 31.69 10,864.36 0.03 9.78 0.00 0.00

12 3,000.00 4,000.00 1,693 41057 3.44 83.39 6,887.34 38,367.19 1.46 8.14 11 168 4.51 68.85 1,671.94 12,536.30 1.50 11.28 0.00 0.00

13 4,000.00 5,000.00 1,199 42256 2.44 85.82 6,346.19 44,713.38 1.35 9.49 7 175 2.87 71.72 6,066.09 18,602.39 5.46 16.74 0.00 0.00

14 5,000.00 7,500.00 1,667 43923 3.39 89.21 11,570.13 56,283.51 2.46 11.94 8 183 3.28 75.00 2,745.35 21,347.74 2.47 19.21 0.00 0.00

15 7,500.00 10,000.00 1,072 44995 2.18 91.38 10,671.99 66,955.50 2.26 14.21 8 191 3.28 78.28 1,318.91 22,666.65 1.19 20.40 0.00 0.00

16 10,000.00 20,000.00 1,730 46725 3.51 94.90 28,040.68 94,996.19 5.95 20.16 16 207 6.56 84.84 9,920.29 32,586.94 8.93 29.33 0.00 0.01

17 20,000.00 50,000.00 1,292 48017 2.62 97.52 46,163.88 141,160.07 9.80 29.95 13 220 5.33 90.16 19,495.27 52,082.21 17.55 46.87 0.00 0.01

18 50,000.00 100,000.00 521 48538 1.06 98.58 42,002.54 183,162.60 8.91 38.87 7 227 2.87 93.03 3,986.02 56,068.23 3.59 50.46 0.00 0.01

19 100,000.00 500,000.00 570 49108 1.16 99.74 148,834.14 331,996.74 31.58 70.45 13 240 5.33 98.36 5,323.28 61,391.51 4.79 55.25 0.00 0.01

20 500,000.00 UP 129 49237 0.26 100.00 139,248.04 471,244.78 29.55 100.00 4 244 1.64 100.00 49,723.77 111,115.28 44.75 100.00 0.01 0.02

PERCENTAGE


rp RP


BAND

f FPERCENTAGE PERCENTAGE PERCENTAGE

SUM INSURED (BAND)

(In Million Rp.)

RISK & LOSS PROFILE

FRPPERCENTAGE

FROM TO rp

INCURRED CLAIM (In Million Rp.) NUMBER OF RISKS

f

Page 15 of 48


OCCUPATION : INDUSTRIAL



Table C.11


1 0.00 50.00 290 290 2.20 2.20 7.97 7.97 0.00 0.00 9 9 3.69 3.69 - - - - 0.00 0.00

2 50.00 100.00 285 575 2.16 4.36 27.04 35.01 0.00 0.00 14 23 5.74 9.43 - - - - 0.00 0.00

3 100.00 200.00 471 1046 3.57 7.93 85.58 120.59 0.01 0.01 14 37 5.74 15.16 - - - - 0.00 0.00

4 200.00 300.00 465 1511 3.52 11.45 146.88 267.47 0.01 0.02 17 54 6.97 22.13 - - - - 0.00 0.00

5 300.00 500.00 941 2452 7.13 18.59 521.70 789.17 0.03 0.05 27 81 11.07 33.20 - - - - 0.00 0.00

6 500.00 750.00 657 3109 4.98 23.57 533.59 1,322.76 0.03 0.09 24 105 9.84 43.03 - - - - 0.00 0.00

7 750.00 1,000.00 514 3623 3.90 27.46 526.44 1,849.20 0.03 0.12 20 125 8.20 51.23 - - - - 0.00 0.00

8 1,000.00 1,500.00 623 4246 4.72 32.18 910.13 2,759.33 0.06 0.18 12 137 4.92 56.15 87.77 87.77 5.94 5.94 0.00 0.00

9 1,500.00 2,000.00 589 4835 4.46 36.65 1,199.44 3,958.77 0.08 0.26 9 146 3.69 59.84 - 87.77 - 5.94 0.00 0.00

10 2,000.00 2,500.00 430 5265 3.26 39.91 1,101.09 5,059.86 0.07 0.33 7 153 2.87 62.70 113.27 201.04 7.67 13.62 0.00 0.00

11 2,500.00 3,000.00 397 5662 3.01 42.92 1,233.36 6,293.22 0.08 0.41 4 157 1.64 64.34 187.00 388.04 12.66 26.28 0.00 0.00

12 3,000.00 4,000.00 538 6200 4.08 46.99 2,097.69 8,390.91 0.14 0.55 11 168 4.51 68.85 219.32 607.36 14.85 41.13 0.00 0.00

13 4,000.00 5,000.00 458 6658 3.47 50.47 2,318.97 10,709.88 0.15 0.70 7 175 2.87 71.72 149.53 756.89 10.13 51.26 0.00 0.00

14 5,000.00 7,500.00 772 7430 5.85 56.32 5,212.69 15,922.57 0.34 1.04 8 183 3.28 75.00 417.84 1,174.73 28.30 79.56 0.00 0.01

15 7,500.00 10,000.00 557 7987 4.22 60.54 5,325.47 21,248.04 0.35 1.39 8 191 3.28 78.28 41.86 1,216.59 2.84 82.39 0.00 0.01

16 10,000.00 20,000.00 1244 9231 9.43 69.97 19,842.08 41,090.11 1.29 2.68 16 207 6.56 84.84 - 1,216.59 - 82.39 0.00 0.01

17 20,000.00 50,000.00 1508 10739 11.43 81.40 52,862.58 93,952.69 3.45 6.13 13 220 5.33 90.16 51.51 1,268.10 3.49 85.88 0.00 0.01

18 50,000.00 100,000.00 878 11617 6.66 88.05 67,653.45 161,606.14 4.41 10.54 7 227 2.87 93.03 123.92 1,392.03 8.39 94.27 0.00 0.01

19 100,000.00 500,000.00 1122 12739 8.50 96.56 253,964.22 415,570.36 16.57 27.11 13 240 5.33 98.36 19.17 1,411.19 1.30 95.57 0.00 0.01

20 500,000.00 UP 454 13193 3.44 100.00 1,117,063.57 1,532,633.93 72.89 100.00 4 244 1.64 100.00 65.37 1,476.56 4.43 100.00 0.00 0.01

RISK & LOSS PROFILE

BAND


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

PERCENTAGE

CLAIM FREQUENCY INCURRED CLAIM (In Million Rp.) LOSS RATIO

FROM TO f FPERCENTAGE

rp RP RPPERCENTAGE PERCENTAGE

f FPERCENTAGE

rp

Page 16 of 48





Table C.12


1 0.00 50.00 2337 2337 8.31 8.31 75.81 75.81 0.06 0.06 9 9 3.69 3.69 10.00 10.00 0.43 0.43 0.00 0.00

2 50.00 100.00 2485 4822 8.83 17.14 235.72 311.53 0.20 0.26 14 23 5.74 9.43 124.54 134.54 5.34 5.77 0.00 0.00

3 100.00 200.00 4220 9042 15.00 32.15 800.13 1,111.67 0.66 0.92 14 37 5.74 15.16 61.75 196.30 2.65 8.42 0.00 0.01

4 200.00 300.00 3501 12543 12.45 44.59 1,088.27 2,199.93 0.90 1.82 17 54 6.97 22.13 254.91 451.20 10.94 19.36 0.01 0.02

5 300.00 500.00 4414 16957 15.69 60.29 2,180.80 4,380.74 1.81 3.63 27 81 11.07 33.20 311.47 762.67 13.37 32.73 0.01 0.03

6 500.00 750.00 2701 19658 9.60 69.89 2,025.83 6,406.57 1.68 5.31 24 105 9.84 43.03 40.71 803.38 1.75 34.47 0.00 0.03

7 750.00 1,000.00 2063 21721 7.33 77.22 2,232.47 8,639.04 1.85 7.16 20 125 8.20 51.23 509.92 1,313.30 21.88 56.36 0.02 0.05

8 1,000.00 1,500.00 1718 23439 6.11 83.33 2,596.64 11,235.68 2.15 9.31 12 137 4.92 56.15 831.88 2,145.18 35.70 92.05 0.03 0.08

9 1,500.00 2,000.00 953 24392 3.39 86.72 2,046.35 13,282.03 1.70 11.01 9 146 3.69 59.84 10.00 2,155.18 0.43 92.48 0.00 0.08

10 2,000.00 2,500.00 587 24979 2.09 88.80 1,615.44 14,897.47 1.34 12.34 7 153 2.87 62.70 - 2,155.18 - 92.48 0.00 0.08

11 2,500.00 3,000.00 433 25412 1.54 90.34 1,460.05 16,357.52 1.21 13.55 4 157 1.64 64.34 5.53 2,160.71 0.24 92.72 0.00 0.08

12 3,000.00 4,000.00 598 26010 2.13 92.47 2,513.10 18,870.62 2.08 15.64 11 168 4.51 68.85 - 2,160.71 - 92.72 0.00 0.08

13 4,000.00 5,000.00 380 26390 1.35 93.82 2,081.06 20,951.67 1.72 17.36 7 175 2.87 71.72 - 2,160.71 - 92.72 0.00 0.08

14 5,000.00 7,500.00 472 26862 1.68 95.50 3,422.77 24,374.44 2.84 20.20 8 183 3.28 75.00 - 2,160.71 - 92.72 0.00 0.08

15 7,500.00 10,000.00 315 27177 1.12 96.62 3,214.51 27,588.95 2.66 22.86 8 191 3.28 78.28 - 2,160.71 - 92.72 0.00 0.08

16 10,000.00 20,000.00 401 27578 1.43 98.04 6,709.66 34,298.61 5.56 28.42 16 207 6.56 84.84 - 2,160.71 - 92.72 0.00 0.08

17 20,000.00 50,000.00 255 27833 0.91 98.95 9,479.41 43,778.02 7.85 36.27 13 220 5.33 90.16 85.00 2,245.71 3.65 96.37 0.00 0.08

18 50,000.00 100,000.00 117 27950 0.42 99.37 10,352.34 54,130.36 8.58 44.85 7 227 2.87 93.03 50.00 2,295.71 2.15 98.51 0.00 0.08

19 100,000.00 500,000.00 148 28098 0.53 99.89 36,946.69 91,077.05 30.61 75.46 13 240 5.33 98.36 34.62 2,330.33 1.49 100.00 0.00 0.08

20 500,000.00 UP 30 28128 0.11 100.00 29,611.28 120,688.33 24.54 100.00 4 244 1.64 100.00 - 2,330.33 - 100.00 0.00 0.08

RISK & LOSS PROFILE

FRPPERCENTAGE

FROM TO rp PERCENTAGE PERCENTAGE

rp RP

NUMBER OF RISKS

fPERCENTAGE


BAND

f FPERCENTAGE

GROSS PREMIUM (In Million Rp.) INCURRED CLAIM (In Million Rp.) SUM INSURED (BAND) (In

Million Rp.)

Page 17 of 48


OCCUPATION : AGRICULTURAL

ZONE : ALL TO 31/12/2007


Table C.13


1 0.00 50.00 3 3.00 0.88 0.88 0.08 0.08 0.00 0.00 0 0 - - - - - - 0.00 0.00

2 50.00 100.00 16 19.00 4.69 5.57 1.34 1.42 0.01 0.02 0 0 - - - - - - 0.00 0.00

3 100.00 200.00 17 36.00 4.99 10.56 2.31 3.73 0.02 0.04 0 0 - - - - - - 0.00 0.00

4 200.00 300.00 9 45.00 2.64 13.20 2.37 6.10 0.03 0.06 0 0 - - - - - - 0.00 0.00

5 300.00 500.00 13 58.00 3.81 17.01 6.01 12.12 0.06 0.13 0 0 - - - - - - 0.00 0.00

6 500.00 750.00 8 66.00 2.35 19.35 5.73 17.85 0.06 0.19 0 0 - - - - - - 0.00 0.00

7 750.00 1,000.00 14 80.00 4.11 23.46 14.19 32.03 0.15 0.34 0 0 - - - - - - 0.00 0.00

8 1,000.00 1,500.00 14 94.00 4.11 27.57 20.42 52.45 0.22 0.56 0 0 - - - - - - 0.00 0.00

9 1,500.00 2,000.00 10 104.00 2.93 30.50 20.42 72.87 0.22 0.77 0 0 - - - - - - 0.00 0.00

10 2,000.00 2,500.00 7 111.00 2.05 32.55 18.69 91.56 0.20 0.97 0 0 - - - - - - 0.00 0.00

11 2,500.00 3,000.00 4 115.00 1.17 33.72 10.18 101.74 0.11 1.08 0 0 - - - - - - 0.00 0.00

12 3,000.00 4,000.00 8 123.00 2.35 36.07 31.65 133.39 0.34 1.42 0 0 - - - - - - 0.00 0.00

13 4,000.00 5,000.00 14 137.00 4.11 40.18 68.34 201.73 0.73 2.14 0 0 - - - - - - 0.00 0.00

14 5,000.00 7,500.00 19 156.00 5.57 45.75 82.84 284.58 0.88 3.02 0 0 - - - - - - 0.00 0.00

15 7,500.00 10,000.00 11 167.00 3.23 48.97 117.78 402.36 1.25 4.27 0 0 - - - - - - 0.00 0.00

16 10,000.00 20,000.00 48 215.00 14.08 63.05 748.97 1,151.33 7.95 12.21 0 0 - - - - - - 0.00 0.00

17 20,000.00 50,000.00 76 291.00 22.29 85.34 2,949.06 4,100.39 31.28 43.50 0 0 - - - - - - 0.00 0.00

18 50,000.00 100,000.00 36 327.00 10.56 95.89 1,506.84 5,607.23 15.98 59.48 0 0 - - - - - - 0.00 0.00

19 100,000.00 500,000.00 13 340.00 3.81 99.71 3,131.98 8,739.20 33.22 92.71 0 0 - - - - - - 0.00 0.00

20 500,000.00 UP 1 341.00 0.29 100.00 687.56 9,426.77 7.29 100.00 0 0 - - - - - - 0.00 0.00



BAND



Million Rp.)

rp RP

NUMBER OF RISKS

fPERCENTAGE

RISK & LOSS PROFILE

FRPPERCENTAGE

FROM TO rp


PERCENTAGE

Page 18 of 48


OCCUPATION : COMMERCIAL

ZONE : ALL TO 31/12/2007


Table C.14


1 0.00 50.00 1,800 1800 8.04 8.04 60.25 60.25 0.02 0.02 0 0 - - - - - - 0.00 0.00

2 50.00 100.00 1,285 3085 5.74 13.79 128.28 188.53 0.04 0.05 2 2 1.49 1.49 59.21 59.21 0.03 0.03 0.00 0.00

3 100.00 200.00 2,525 5610 11.28 25.07 459.76 648.29 0.13 0.18 0 2 - 1.49 - 59.21 - 0.03 0.00 0.00

4 200.00 300.00 1,682 7292 7.52 32.59 525.08 1,173.37 0.14 0.32 12 14 8.96 10.45 339.20 398.41 0.17 0.21 0.00 0.00

5 300.00 500.00 2,585 9877 11.55 44.14 1,338.69 2,512.06 0.37 0.69 13 27 9.70 20.15 833.10 1,231.51 0.43 0.63 0.00 0.00

6 500.00 750.00 2,025 11902 9.05 53.19 1,550.74 4,062.80 0.43 1.11 11 38 8.21 28.36 431.54 1,663.05 0.22 0.86 0.00 0.00

7 750.00 1,000.00 1,819 13721 8.13 61.32 1,997.03 6,059.83 0.55 1.66 23 61 17.16 45.52 1,327.56 2,990.61 0.68 1.54 0.00 0.00

8 1,000.00 1,500.00 1,727 15448 7.72 69.04 2,624.09 8,683.92 0.72 2.38 9 70 6.72 52.24 1,475.78 4,466.39 0.76 2.30 0.00 0.00

9 1,500.00 2,000.00 1,112 16560 4.97 74.00 2,384.73 11,068.64 0.65 3.04 8 78 5.97 58.21 714.40 5,180.79 0.37 2.67 0.00 0.00

10 2,000.00 2,500.00 709 17269 3.17 77.17 1,937.25 13,005.89 0.53 3.57 4 82 2.99 61.19 440.29 5,621.08 0.23 2.90 0.00 0.00

11 2,500.00 3,000.00 551 17820 2.46 79.64 1,844.21 14,850.11 0.51 4.07 9 91 6.72 67.91 1,977.44 7,598.52 1.02 3.91 0.00 0.00

12 3,000.00 4,000.00 749 18569 3.35 82.98 3,225.82 18,075.93 0.89 4.96 6 97 4.48 72.39 3,286.60 10,885.12 1.69 5.61 0.00 0.00

13 4,000.00 5,000.00 554 19123 2.48 85.46 2,975.32 21,051.25 0.82 5.78 4 101 2.99 75.37 373.93 11,259.05 0.19 5.80 0.00 0.00

14 5,000.00 7,500.00 679 19802 3.03 88.49 4,797.14 25,848.39 1.32 7.09 6 107 4.48 79.85 1,318.57 12,577.62 0.68 6.48 0.00 0.00

15 7,500.00 10,000.00 413 20215 1.85 90.34 4,152.86 30,001.25 1.14 8.23 0 107 - 79.85 - 12,577.62 - 6.48 0.00 0.00

16 10,000.00 20,000.00 754 20969 3.37 93.71 12,947.83 42,949.08 3.55 11.79 3 110 2.24 82.09 950.00 13,527.62 0.49 6.97 0.00 0.00

17 20,000.00 50,000.00 730 21699 3.26 96.97 26,756.69 69,705.76 7.34 19.13 5 115 3.73 85.82 8,110.00 21,637.62 4.18 11.15 0.00 0.00

18 50,000.00 100,000.00 305 22004 1.36 98.33 25,553.04 95,258.80 7.01 26.14 4 119 2.99 88.81 5,770.96 27,408.58 2.97 14.12 0.00 0.00

19 100,000.00 500,000.00 308 22312 1.38 99.71 87,894.93 183,153.73 24.12 50.26 9 128 6.72 95.52 18,254.11 45,662.69 9.40 23.52 0.00 0.01

20 500,000.00 UP 65 22377 0.29 100.00 181,284.44 364,438.18 49.74 100.00 6 134 4.48 100.00 148,478.30 194,140.99 76.48 100.00 0.02 0.03

PERCENTAGEF rp f

PERCENTAGERP

PERCENTAGEPERCENTAGE rp RPFROM TO f F



RISK & LOSS PROFILE


BAND



PERCENTAGE

Page 19 of 48


OCCUPATION : INDUSTRIAL

ZONE : ALL TO 31/12/2007


Table C.15


1 0.00 50.00 331 331 4.61 4.61 12.40 12.40 0.00 0.00 0 0 - - - - - - 0.00 0.00

2 50.00 100.00 436 767 6.08 10.69 37.81 50.21 0.00 0.00 1 1 20.00 20.00 50.00 50.00 0.53 0.53 0.00 0.00

3 100.00 200.00 414 1181 5.77 16.46 74.52 124.73 0.01 0.01 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00

4 200.00 300.00 298 1479 4.15 20.61 91.66 216.39 0.01 0.02 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00

5 300.00 500.00 383 1862 5.34 25.95 187.26 403.65 0.02 0.04 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00

6 500.00 750.00 297 2159 4.14 30.09 227.64 631.29 0.02 0.06 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00

7 750.00 1,000.00 295 2454 4.11 34.20 319.27 950.56 0.03 0.09 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00

8 1,000.00 1,500.00 337 2791 4.70 38.90 506.13 1,456.68 0.05 0.14 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00

9 1,500.00 2,000.00 322 3113 4.49 43.39 656.58 2,113.26 0.06 0.20 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00

10 2,000.00 2,500.00 222 3335 3.09 46.48 588.69 2,701.95 0.06 0.25 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00

11 2,500.00 3,000.00 187 3522 2.61 49.09 632.03 3,333.97 0.06 0.31 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00

12 3,000.00 4,000.00 284 3806 3.96 53.05 1,131.77 4,465.74 0.11 0.42 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00

13 4,000.00 5,000.00 212 4018 2.95 56.00 1,075.06 5,540.80 0.10 0.52 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00

14 5,000.00 7,500.00 435 4453 6.06 62.06 3,175.77 8,716.57 0.30 0.82 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00

15 7,500.00 10,000.00 297 4750 4.14 66.20 2,928.95 11,645.52 0.28 1.10 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00

16 10,000.00 20,000.00 629 5379 8.77 74.97 10,238.00 21,883.52 0.97 2.07 0 1 - 20.00 - 50.00 - 0.53 0.00 0.00

17 20,000.00 50,000.00 703 6082 9.80 84.77 25,589.04 47,472.56 2.41 4.48 4 5 80.00 100.00 9,374.75 9,424.75 99.47 100.00 0.01 0.01

18 50,000.00 100,000.00 374 6456 5.21 89.98 75,757.84 123,230.40 7.15 11.63 0 5 - 100.00 - 9,424.75 - 100.00 0.00 0.01

19 100,000.00 500,000.00 485 6941 6.76 96.74 346,530.23 469,760.63 32.70 44.33 0 5 - 100.00 - 9,424.75 - 100.00 0.00 0.01

20 500,000.00 UP 234 7175 3.26 100.00 589,934.83 1,059,695.45 55.67 100.00 0 5 - 100.00 - 9,424.75 - 100.00 0.00 0.01



RISK & LOSS PROFILE


BAND





PERCENTAGEF rp f

PERCENTAGERP

Page 20 of 48



ZONE : ALL TO 31/12/2007


Table C.16


1 0.00 50.00 930 930 5.82 5.82 32.40 32.40 0.04 0.04 0 0 - - - - - - 0.00 0.00

2 50.00 100.00 1165 2095 7.29 13.12 116.28 148.68 0.13 0.17 7 7 9.86 9.86 157.15 157.15 3.42 3.42 0.00 0.00

3 100.00 200.00 2400 4495 15.03 28.15 464.48 613.16 0.53 0.70 13 20 18.31 28.17 394.75 551.90 8.59 12.02 0.01 0.01

4 200.00 300.00 2017 6512 12.63 40.78 647.05 1,260.21 0.74 1.45 15 35 21.13 49.30 444.37 996.27 9.67 21.69 0.01 0.02

5 300.00 500.00 2619 9131 16.40 57.18 1,329.94 2,590.15 1.53 2.98 18 53 25.35 74.65 554.50 1,550.77 12.07 33.76 0.01 0.04

6 500.00 750.00 1628 10759 10.19 67.37 1,252.56 3,842.71 1.44 4.42 9 62 12.68 87.32 641.12 2,191.89 13.96 47.72 0.02 0.05

7 750.00 1,000.00 1240 11999 7.76 75.13 1,365.57 5,208.28 1.57 5.99 1 63 1.41 88.73 75.00 2,266.89 1.63 49.36 0.00 0.06

8 1,000.00 1,500.00 1134 13133 7.10 82.24 1,733.88 6,942.16 1.99 7.98 0 63 - 88.73 - 2,266.89 - 49.36 0.00 0.06

9 1,500.00 2,000.00 662 13795 4.15 86.38 1,414.55 8,356.72 1.63 9.61 3 66 4.23 92.96 825.00 3,091.89 17.96 67.32 0.02 0.08

10 2,000.00 2,500.00 357 14152 2.24 88.62 969.99 9,326.71 1.12 10.72 1 67 1.41 94.37 142.50 3,234.39 3.10 70.42 0.00 0.08

11 2,500.00 3,000.00 290 14442 1.82 90.43 955.38 10,282.09 1.10 11.82 0 67 - 94.37 - 3,234.39 - 70.42 0.00 0.08

12 3,000.00 4,000.00 341 14783 2.14 92.57 1,416.73 11,698.82 1.63 13.45 1 68 1.41 95.77 187.50 3,421.89 4.08 74.50 0.00 0.09

13 4,000.00 5,000.00 216 14999 1.35 93.92 1,126.63 12,825.45 1.30 14.74 1 69 1.41 97.18 60.00 3,481.89 1.31 75.81 0.00 0.09

14 5,000.00 7,500.00 231 15230 1.45 95.37 1,669.96 14,495.42 1.92 16.66 0 69 - 97.18 - 3,481.89 - 75.81 0.00 0.09

15 7,500.00 10,000.00 274 15504 1.72 97.08 2,568.60 17,064.01 2.95 19.62 0 69 - 97.18 - 3,481.89 - 75.81 0.00 0.09

16 10,000.00 20,000.00 167 15671 1.05 98.13 2,923.52 19,987.54 3.36 22.98 0 69 - 97.18 - 3,481.89 - 75.81 0.00 0.09

17 20,000.00 50,000.00 130 15801 0.81 98.94 4,744.57 24,732.11 5.45 28.43 0 69 - 97.18 - 3,481.89 - 75.81 0.00 0.09

18 50,000.00 100,000.00 57 15858 0.36 99.30 5,395.98 30,128.09 6.20 34.64 0 69 - 97.18 - 3,481.89 - 75.81 0.00 0.09

19 100,000.00 500,000.00 87 15945 0.54 99.84 25,265.61 55,393.70 29.05 63.68 2 71 2.82 100.00 1,111.11 4,593.00 24.19 100.00 0.03 0.11

20 500,000.00 UP 25 15970 0.16 100.00 31,592.43 86,986.13 36.32 100.00 0 71 - 100.00 - 4,593.00 - 100.00 0.00 0.11



RISK & LOSS PROFILE


BAND





PERCENTAGEF rp f

PERCENTAGERP

Page 21 of 48

Aggregate Exposures

0.00

100,000.00

200,000.00

300,000.00

400,000.00

500,000.00

600,000.00

1.11.11.11.1 1.21.21.21.2 1.31.31.31.3 2.12.12.12.1 2.22.22.22.2 2.32.32.32.3 3.13.13.13.1 3.23.23.23.2 3.33.33.33.3 4.14.14.14.1 4.24.24.24.2 4.34.34.34.3 5.15.15.15.1 5.25.25.25.2 6.06.06.06.0 7.17.17.17.1 7.27.27.27.2 8.08.08.08.0

U/Y 2004

U/Y 2005

U/Y 2006

U/Y 2007

Cresta Zone

Table D.1

Page 22 of 48Remarks : 100% figures

In Billions IDR

Table D.2Table D.2Table D.2Table D.2

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 %

Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 2,991,848,354,112.28 19,558,587,948,251.30 4,749,725,941,121.37 7,466,207,316,619.63

MedanMedanMedanMedan 1.21.21.21.2 22,075,325,650,910.40 28,137,089,340,559.10 40,884,675,136,981.00 29,769,185,506,791.90

OthersOthersOthersOthers 1.31.31.31.3 5,667,286,023,328.51 9,665,997,686,081.70 13,438,206,809,158.60 18,674,323,845,062.90

North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 30,734,460,028,351.20 3% 57,361,674,974,892.10 4% 59,072,607,887,261.00 3% 55,909,716,668,474.40 5%

PadangPadangPadangPadang 2.12.12.12.1 4,496,181,461,155.24 5,246,554,344,258.29 5,742,163,362,145.10 4,591,834,792,159.98

PalembangPalembangPalembangPalembang 2.22.22.22.2 4,168,162,658,556.74 26,044,328,687,045.10 16,660,443,401,226.70 8,803,293,553,689.46


South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 74,943,659,433,554.10 7% 116,369,516,132,581.00 7% 142,884,417,815,566.00 7% 111,077,604,611,454.00 10%

DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 251,714,493,296,035.00 512,361,820,196,686.00 388,770,094,572,768.00 235,216,366,534,371.00

Bandung Bandung Bandung Bandung 3.23.23.23.2 16,508,515,487,421.80 26,489,234,747,708.70 294,142,046,143,173.00 50,688,687,032,543.80


DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 610,546,988,212,098.00 60% 950,067,193,214,598.00 61% 1,286,188,026,377,730.00 63% 667,323,103,095,177.00 62%

SemarangSemarangSemarangSemarang 4.14.14.14.1 16,588,538,908,965.30 17,931,045,050,876.00 26,954,798,867,654.50 16,596,795,975,926.40

YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 1,997,020,191,309.11 3,796,006,609,950.96 6,812,485,938,858.27 4,489,509,294,397.74


DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 38,247,750,411,955.10 4% 77,251,276,312,250.30 5% 96,789,818,478,566.80 5% 44,162,293,645,819.50 4%

SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 36,209,735,602,406.10 42,691,740,623,228.50 53,491,426,950,940.00 30,588,811,013,079.20


East JavaEast JavaEast JavaEast Java 5555 153,052,516,214,254.00 15% 155,272,807,293,668.00 10% 240,826,191,274,152.00 12% 121,923,356,949,970.00 11%

KalimantanKalimantanKalimantanKalimantan 6666 35,688,923,265,648.50 3% 126,317,167,129,982.00 8% 92,500,006,423,550.80 5% 40,138,463,123,462.50 4%

Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 3,783,478,434,329.72 6,185,748,726,847.72 15,828,408,398,897.90 3,134,325,907,754.67


SulawesiSulawesiSulawesiSulawesi 7777 49,133,862,157,454.90 5% 49,764,520,217,854.70 3% 69,269,691,449,705.50 3% 14,967,300,177,528.70 1%

Other IslandOther IslandOther IslandOther Island 8888 30,382,692,050,748.90 3% 24,906,824,288,087.00 2% 40,427,188,463,636.40 2% 22,563,615,744,954.60 2%

1,022,730,851,774,060.00 100% 1,557,310,979,563,910.00 100% 2,027,957,948,170,170.00 100% 1,078,065,454,016,840.00 100%

U/Y 2007U/Y 2007U/Y 2007U/Y 2007CRESTA ZONECRESTA ZONECRESTA ZONECRESTA ZONE

AGGREGATE EXPOSURES

AS AT 31st DECEMBER 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 23 of 48

Gross Premium Income

0.00

100,000.00

200,000.00

300,000.00

400,000.00

500,000.00

600,000.00

1.11.11.11.1 1.21.21.21.2 1.31.31.31.3 2.12.12.12.1 2.22.22.22.2 2.32.32.32.3 3.13.13.13.1 3.23.23.23.2 3.33.33.33.3 4.14.14.14.1 4.24.24.24.2 4.34.34.34.3 5.15.15.15.1 5.25.25.25.2 6.06.06.06.0 7.17.17.17.1 7.27.27.27.2 8.08.08.08.0

U/Y 2004

U/Y 2005

U/Y 2006

U/Y 2007

Cresta Zone

In Millions IDR

Page 24 0f 48Remarks : 100% figures

Table E.1

Table E.2Table E.2Table E.2Table E.2

In IDR


Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 2,673,205,363.03 1,442,695,025.82 3,991,544,532.27 5,089,870,821.24

MedanMedanMedanMedan 1.21.21.21.2 25,942,706,361.36 47,324,344,212.47 46,045,149,289.30 29,697,937,723.62

OthersOthersOthersOthers 1.31.31.31.3 6,339,735,887.24 10,685,128,215.06 14,810,337,145.21 23,753,426,569.07

North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 34,955,647,611.62 2% 59,452,167,453.35 3% 64,847,030,966.78 3% 58,541,235,113.93 4%

PadangPadangPadangPadang 2.12.12.12.1 5,572,534,535.77 5,915,742,165.67 6,718,458,303.28 5,069,946,264.27

PalembangPalembangPalembangPalembang 2.22.22.22.2 3,828,324,475.65 24,200,965,654.40 15,741,213,038.83 8,363,386,288.37


South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 86,583,795,280.54 6% 96,617,988,353.29 5% 144,820,942,190.29 7% 112,770,971,333.54 7%

DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 377,869,820,975.17 742,448,593,077.71 454,108,720,664.63 291,934,967,717.68

Bandung Bandung Bandung Bandung 3.23.23.23.2 20,359,994,555.77 47,570,832,732.21 295,113,239,598.68 64,623,881,294.63


DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 869,442,260,230.15 60% 1,292,354,949,899.73 68% 1,379,157,309,047.26 64% 864,559,257,415.24 57%

SemarangSemarangSemarangSemarang 4.14.14.14.1 16,127,729,948.25 37,844,947,865.56 30,362,867,068.66 14,793,872,268.66

YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 2,250,004,629.68 4,724,013,608.48 7,740,245,309.63 5,303,972,659.29


DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 40,171,410,083.63 3% 66,140,810,822.69 3% 98,019,433,824.75 5% 44,329,485,989.39 3%

SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 44,424,144,430.55 57,987,665,454.16 57,873,938,021.60 36,837,536,785.06


East JavaEast JavaEast JavaEast Java 5555 175,537,881,051.19 12% 202,671,028,323.84 11% 254,505,882,546.29 12% 301,567,019,503.42 20%

KalimantanKalimantanKalimantanKalimantan 6666 48,212,059,875.86 3% 85,751,921,895.05 4% 89,846,279,405.97 4% 41,114,810,180.84 3%

Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 4,741,182,210.11 24,012,146,214.11 17,182,585,017.04 3,599,603,322.93


SulawesiSulawesiSulawesiSulawesi 7777 136,794,651,399.59 10% 67,443,389,431.35 4% 72,143,722,882.08 3% 17,834,114,494.87 1%

Other IslandOther IslandOther IslandOther Island 8888 48,225,049,127.11 3% 36,776,236,376.64 2% 44,514,923,113.43 2% 79,829,637,964.75 5%

1,439,922,754,659.70 100% 1,907,208,492,555.94 100% 2,147,855,523,976.84 100% 1,520,546,531,995.96 100%T O T A LT O T A LT O T A LT O T A L

CRESTA ZONECRESTA ZONECRESTA ZONECRESTA ZONEU/Y 2007U/Y 2007U/Y 2007U/Y 2007

GROSS PREMIUM INCOME


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 25 of 48

Gross Premium By Cresta Zone

As at December 20072% 6%

61%

3%

12%

3%

10%3%

North Sumatera South Sumatera DKI & West Java Central Java

East Java Kalimantan Sulawesi Other Islands

3% 5%

68%

3%

11%

4%4% 2%



In PercentageIn PercentageIn PercentageIn Percentage

2006 2007Page 26 of 48

20042005

Table F

4%7%

57%

3%

20%

3%1% 5%



3%7%

64%

5%

12%

4%3% 2%

North Sumatera South Sumatera DKI & West Java

Central Java East Java Kalimantan

Sulawesi Other Islands

Exposures By Cresta Zone

As at December 20073% 6%

68%

4%

10%

4%3% 2%



3%7%

60%

4%

15%

3%5% 3%



In PercentageIn PercentageIn PercentageIn Percentage

2006

Page 27 of 482007

2004 2005

Table G

5%

10%

63%

4%

11%

4% 1% 2%



3%7%

63%

5%

12%

5%3% 2%



Gross Premium Income by Occupation

0

200,000,000

400,000,000

600,000,000

800,000,000

1,000,000,000

1,200,000,000

1,400,000,000

1,600,000,000

1,800,000,000

2,000,000,000

Agricultural Commercial Industrial Residential

U/Y 2004

U/Y 2005

U/Y 2006

U/Y 2007

In Millions IDR


Table H.1

Aggregate Exposures by Occupation

0

200,000

400,000

600,000

800,000

1,000,000

1,200,000

1,400,000

1,600,000

1,800,000


U/Y 2004

U/Y 2005

U/Y 2006

U/Y 2007

In Billions IDR


Table I.1

Table I.2Table I.2Table I.2Table I.2

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 %

AgriculturalAgriculturalAgriculturalAgricultural 6,629,445,846,992.59 1% 61,942,135,248,115.50 4% 22,609,380,819,948.00 1% 9,419,313,215,030.27 1%

CommercialCommercialCommercialCommercial 209,160,605,495,446.00 20% 260,980,311,341,982.00 17% 402,412,007,184,287.00 20% 299,070,435,585,633.00 28%

IndustrialIndustrialIndustrialIndustrial 760,264,956,764,302.00 74% 928,999,162,765,924.00 60% 1,503,400,111,508,020.00 74% 701,786,854,236,139.00 65%

ResidentialResidentialResidentialResidential 46,675,843,667,323.30 5% 305,389,370,207,893.00 20% 99,536,448,657,919.80 5% 67,788,850,980,038.10 6%

TOTALTOTALTOTALTOTAL 1,022,730,851,774,060.00 100% 1,557,310,979,563,910.00 100% 2,027,957,948,170,170.00 100% 1,078,065,454,016,840.00 100%

AGGREGATE EXPOSURES BY OCCUPATION


Page 31 of 48

Aggregate Exposures by Interest

Including Business Interruption

0

100,000

200,000

300,000

400,000

500,000

600,000

700,000

800,000

900,000

1,000,000

Building Machinery Stock Others B I

U/Y 2004

U/Y 2005

U/Y 2006

U/Y 2007

In Billions IDR

Page 32 0f 48Remarks : 100% figures

Table J.1

Table J.2Table J.2Table J.2Table J.2

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

BuildingBuildingBuildingBuilding 368,568,146,887,080.00 611,519,908,109,801.00 768,245,241,680,522.00 455,861,846,618,935.00

MachineryMachineryMachineryMachinery 258,009,017,217,307.00 334,317,430,934,478.00 406,993,854,185,335.00 187,062,703,022,154.00

StockStockStockStock 175,754,486,116,056.00 276,065,895,579,831.00 373,137,692,118,609.00 208,727,000,967,535.00

OthersOthersOthersOthers 151,705,659,368,359.00 239,120,244,536,531.00 366,754,118,944,951.00 153,016,084,472,505.00

SUB TOTAL SUB TOTAL SUB TOTAL SUB TOTAL 954,037,309,588,803.00 1,461,023,479,160,640.00 1,915,130,906,929,420.00 1,004,667,635,081,130.00

Business InterruptionBusiness InterruptionBusiness InterruptionBusiness Interruption 68,693,542,185,262.00 95,945,777,501,893.80 112,827,041,240,758.00 73,397,818,935,713.10

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 2,027,957,948,170,170.00 1,078,065,454,016,840.00

AGGREGATE EXPOSURES BY INTEREST


Page 33 of 48

Number of Risks

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

UY 2004

UY 2005

UY 2006

UY 2007

Page 34 of 48

Table K.1

Table K.2Table K.2Table K.2Table K.2

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

Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 97 218 367 201

MedanMedanMedanMedan 1.21.21.21.2 1,502 4,761 3,410 1,868

OthersOthersOthersOthers 1.31.31.31.3 475 1,544 1,530 769

North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 2,074 6,523 5,307 2,838

PadangPadangPadangPadang 2.12.12.12.1 490 2,933 2,349 1,402

PalembangPalembangPalembangPalembang 2.22.22.22.2 592 1,203 1,025 467

OthersOthersOthersOthers 2.32.32.32.3 3,154 6,011 6,773 2,948

South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 4,236 10,147 10,147 4,817

DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 17,566 22,184 27,231 13,607

Bandung Bandung Bandung Bandung 3.23.23.23.2 2,197 3,313 3,214 2,072


DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 30,403 40,514 48,086 23,629

SemarangSemarangSemarangSemarang 4.14.14.14.1 1,211 1,757 1,966 1,194

YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 510 936 1,696 1,148


DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 3,239 5,814 7,499 4,806

SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 2,692 3,584 3,698 1,816


East JavaEast JavaEast JavaEast Java 5555 5,852 8,151 8,447 4,008

KalimantanKalimantanKalimantanKalimantan 6666 1,550 2,798 2,709 1,107

Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 662 1,070 1,043 474

OthersOthersOthersOthers 7.27.27.27.2 1,089 2,386 2,067 940

SulawesiSulawesiSulawesiSulawesi 7777 1,751 3,456 3,110 1,414

Other IslandOther IslandOther IslandOther Island 8888 3,281 4,887 5,842 3,244

52,38652,38652,38652,386 82,29082,29082,29082,290 91,14791,14791,14791,147 45,86345,86345,86345,863

NUMBER OF RISKS

AS AT 31th DECEMBER 2007

CRESTA ZONECRESTA ZONECRESTA ZONECRESTA ZONE


Page 35 of 48

Number of Risks by occupation

0

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000

45,000

50,000


UY 2004

UY 2005

UY 2006

UY 2007

Page 36 of 48

Table L.1

Table L.2Table L.2Table L.2Table L.2

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 %

AgriculturalAgriculturalAgriculturalAgricultural 530.00 1% 607.00 1% 589.00 1% 341.00 1%

CommercialCommercialCommercialCommercial 30,050.00 57% 46,379.00 56% 49,237.00 54% 22,377.00 49%

IndustrialIndustrialIndustrialIndustrial 12,808.00 24% 17,911.00 22% 13,193.00 14% 7,175.00 16%

ResidentialResidentialResidentialResidential 8,998.00 17% 17,393.00 21% 28,128.00 31% 15,970.00 35%

TOTALTOTALTOTALTOTAL 52,386.00 100% 82,290.00 100% 91,147.00 100% 45,863.00 100%

NUMBER OF RISK BY OCCUPATION

AS AT 31th DECEMBER 2007

Page 37 of 48

38 0f 48

0 50 100 150 200 250

Agricultural

Commercial

Industrial

Residential

2004 2005 2006 2007

Claim Frequency by Occupation

Underwriting Year

Table M.1

Page 38 0f 48

Table M.2

2004200420042004 2005200520052005 2006200620062006 2007200720072007

AgriculturalAgriculturalAgriculturalAgricultural 0 1 2 0000

CommercialCommercialCommercialCommercial 51 242 244 134134134134

IndustrialIndustrialIndustrialIndustrial 19 9 16 5555

ResidentialResidentialResidentialResidential 23 20 59 71717171

TOTALTOTALTOTALTOTAL 93939393 272272272272 321321321321 210210210210

Claim Frequency by Occupation

Occupation Occupation Occupation Occupation

DescriptionDescriptionDescriptionDescription

Underwriting YearUnderwriting YearUnderwriting YearUnderwriting Year

Page 39 of 48Page 39 of 48Page 39 of 48Page 39 of 48

0

25

50

75

100

125

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

2 0 0 4 2 0 0 5 2 0 0 6 2 0 0 7

Claim Frequency by Cresta Zone

Underwriting Year

Table N.1

Page 40 0f 48

Table N.2Table N.2Table N.2Table N.2

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

Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 24 1 0 0

MedanMedanMedanMedan 1.21.21.21.2 12 1 0 0

OthersOthersOthersOthers 1.31.31.31.3 3 2 1 0

North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 39 4 1 0

PadangPadangPadangPadang 2.12.12.12.1 27 33 81 102

PalembangPalembangPalembangPalembang 2.22.22.22.2 0 0 1 0


South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 28 34 158 197

DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 0 1 12 5

Bandung Bandung Bandung Bandung 3.23.23.23.2 1 0 1 3


DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 2 8 19 10

SemarangSemarangSemarangSemarang 4.14.14.14.1 0 0 0 0

YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 0 123 99 0


DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 0 226 140 0

SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 0 0 0 0


East JavaEast JavaEast JavaEast Java 5555 1 0 0 0

KalimantanKalimantanKalimantanKalimantan 6666 0 0 0 0

Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 0 0 0 0


SulawesiSulawesiSulawesiSulawesi 7777 0 0 2 2

Other IslandOther IslandOther IslandOther Island 8888 23 0 1 1

93939393 272272272272 321321321321 210210210210

Claim Frequency by Cresta Zone



41of 48

Incurred Claims by Occupation

Underwriting Year 2004

Underwriting Year 2005 Underwriting Year 2007

Page 42 of 48


1%

2%

0%

97%


0%0%

99%

1%


1%0%

97%

2%


2%

93%

0%

5%


Table O.1

Table 0.2Table 0.2Table 0.2Table 0.2


Agricultural 0.00 0% 679,141,350.00 0% 500,000,000.00 0% 0.00 0%

Commercial 13,499,592,502.60 2% 214,285,213,138.23 99% 111,115,396,980.56 96% 194,141,048,017.77 93%

Industrial 596,317,322,296.62 97% 896,394,331.00 1% 1,476,559,888.93 1% 9,424,750,000.00 5%

Residential 3,511,950,406.00 1% 2,083,614,108.83 1% 2,330,329,144.78 2% 4,593,018,740.48 2%

TOTALTOTALTOTALTOTAL 613,328,865,205.22613,328,865,205.22613,328,865,205.22613,328,865,205.22 100%100%100%100% 217,944,362,928.06217,944,362,928.06217,944,362,928.06217,944,362,928.06 100%100%100%100% 115,422,286,014.27115,422,286,014.27115,422,286,014.27115,422,286,014.27 100%100%100%100% 208,158,816,758.25208,158,816,758.25208,158,816,758.25208,158,816,758.25 100%100%100%100%

in IDR

2007200720072007

Claims by Occupation

Underwriting YearUnderwriting YearUnderwriting YearUnderwriting Year

2004200420042004Occupation Occupation Occupation Occupation

DescriptionDescriptionDescriptionDescription20062006200620062005200520052005


West Java

23%

South

Sumatera

24%

Central Java

53%

North Sumatera South Sumatera West Java Central Java

East Java Kalimantan Sulaw esi Other Islands

Central Java

98%

West Java

2%

South Sumatera

0%

North SumateraNorth SumateraNorth SumateraNorth Sumatera South SumateraSouth SumateraSouth SumateraSouth Sumatera West JavaWest JavaWest JavaWest Java Central JavaCentral JavaCentral JavaCentral Java

East JavaEast JavaEast JavaEast Java KalimantanKalimantanKalimantanKalimantan SulawesiSulawesiSulawesiSulawesi Other I slandsOther I slandsOther I slandsOther I slands

Other Islands

1%

North

Sumatera

99%

North Sumatera South Sumatera West Java Central Java

East Java Kalimantan Sulaw esi Other Islands

Underwriting Year 2006Underwriting Year 2004

Incurred Claims by Cresta Zone


Page 44 of 48

South

Sumatera

99%

West Java

1%

North Sumatera South Sumatera West JavaCentral Java East Java KalimantanSulaw esi Other Islands Slice 9


Table P.1

Table P.2Table P.2Table P.2Table P.2


Banda AcehBanda AcehBanda AcehBanda Aceh 1.11.11.11.1 604,401,714,521.80 54,759,400.00 0 0

MedanMedanMedanMedan 1.21.21.21.2 674,205,451.00 95,000,000.00 0 0

OthersOthersOthersOthers 1.31.31.31.3 590,721,289.51 693,221,350.00 369,712,000.00 0

North SumateraNorth SumateraNorth SumateraNorth Sumatera 1111 605,666,641,262.31 99% 842,980,750.00 0% 369,712,000.00 0% 0 0%

PadangPadangPadangPadang 2.12.12.12.1 1,112,705,330.60 924,912,545.32 12,525,386,983 82,499,279,358

PalembangPalembangPalembangPalembang 2.22.22.22.2 0 0 10,000,000.00 0

OthersOthersOthersOthers 2.32.32.32.3 12,402,600.00 28,044,000.00 15,629,991,149 122,427,512,632.47

South SumateraSouth SumateraSouth SumateraSouth Sumatera 2222 1,125,107,930.60 0% 952,956,545.32 0% 28,165,378,131.83 24% 204,926,791,990.50 98%

DKI JakartaDKI JakartaDKI JakartaDKI Jakarta 3.13.13.13.1 0 1,000,000,000.00 1,170,925,820.00 2,272,310,000.00

Bandung Bandung Bandung Bandung 3.23.23.23.2 450,000,000 0 25,000,000.00 549,594,263.00

OthersOthersOthersOthers 3.33.33.33.3 330,267,740.00 2,477,037,734.13 25,548,384,250.43 25,748,843.75

DKI & West JavaDKI & West JavaDKI & West JavaDKI & West Java 3333 780,267,740.00 0% 3,477,037,734.13 2% 26,744,310,070.43 23% 2,847,653,106.75 1%

SemarangSemarangSemarangSemarang 4.14.14.14.1 0 0 0 0

YogyakartaYogyakartaYogyakartaYogyakarta 4.24.24.24.2 0 202,543,141,325.97 43,512,014,997.01 0

OthersOthersOthersOthers 4.34.34.34.3 0 10,128,246,572.63 16,384,411,815.00 0

DIY & Central JavaDIY & Central JavaDIY & Central JavaDIY & Central Java 4444 0 0% 212,671,387,898.61 98% 59,896,426,812.01 52% 0.00 0%

SurabayaSurabayaSurabayaSurabaya 5.15.15.15.1 0 0 0 0

OthersOthersOthersOthers 5.25.25.25.2 800,000,000.00 0 0 0

East JavaEast JavaEast JavaEast Java 5555 800,000,000.00 0% 0 0% 0 0% 0 0%

KalimantanKalimantanKalimantanKalimantan 6666 0 0% 0 0% 0 0% 0 0%

Ujung PandangUjung PandangUjung PandangUjung Pandang 7.17.17.17.1 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%

Other IslandOther IslandOther IslandOther Island 8888 4,956,848,272.30 1% - 0% 187,000,000.00 0% 15,000,000.00 0%

613,328,865,205.22613,328,865,205.22613,328,865,205.22613,328,865,205.22 100%100%100%100% 217,944,362,928.06217,944,362,928.06217,944,362,928.06217,944,362,928.06 100%100%100%100% 115,422,286,014.27115,422,286,014.27115,422,286,014.27115,422,286,014.27 100%100%100%100% 208,158,816,758.25208,158,816,758.25208,158,816,758.25208,158,816,758.25 100%100%100%100%T O T A LT O T A LT O T A LT O T A L

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

in IDR

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

Claims by Cresta Zone



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

SR *) MMI *)

MAJOR EARTHQUAKES IN INDONESIA

No. Claim Event Date of Loss

YEAR 2004 - 2007

Page 46 of 48

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 /

KARBA

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 47 of 48

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 48 0f 48

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