Statistik Asuransi Gempa Bumi Indonesia - maipark.com · Gempa Bumi Indonesia 2009 – 2010 yang...

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

Statistik Asuransi Gempa

Bumi Indonesia 2010 Indonesian Earthquake Insurance Statistic 2010]

PT. ASURANSI MAIPARK INDONESIA

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Sesuai dengan tujuan pendiriannya, MAIPARK selalu berusaha melakukan inovasi dalam memberikan pelayanan terbaik bagi industri asuransi Indonesia dalam hal ilmu dan statistik mengenai risiko bencana. Inovasi terus kami lakukan untuk menyempurnakan laporan statistik ini, sehingga menjadi lebih akurat, rinci dan komperhensif. Berikut kami sajikan laporan Statistik Asuransi Gempa Bumi Indonesia 2009 – 2010 yang mencakup :

o Inovasi terhadap sistem dan proses pengolahan data statistik.

o Peta Kejadian Gempa Bumi Indonesia. o Peta Exposure Gempa Bumi Indonesia. o Penggolongan tersendiri atas risiko multi

lokasi, dalam laporan profile risiko dan klaim.

o Analisa asuransi gempa terkait kondisi makro ekonomi.

o Analisa seismitas terkini. o Laporan dengan dua bahasa (Bahasa

Indonesia – Bahasa Inggris). o Panel navigasi yang akan memudahkan

dalam menelusuri laporan statistik ini. o Tabel, peta dan grafik yang kreatif.

Dengan semangat ”Go Green”, dan laporan tersebut disajikan dalam bentuk soft copy dan tidak lagi diproduksi dalam bentuk hard copy. Usaha yang kami lakukan dalam menyempurnakan laporan statistik ini tidak akan berarti apa - apa tanpa dukungan dari seluruh perusahaan asuransi. Data yang lengkap dan akurat akan sangat menentukan kualitas dari hasil statistik ini.

In line with the intention of MAIPARK establishment, MAIPARK keeps on innovating to provide the best services for the Indonesia’s insurance industry in terms of science and statistics on Catastrophe risks. We keep on doing innovation to make this statistics report more accurate, detailed and comprehensive. Herewith, we present Indonesian Earthquake Statistical Report of 2009 - 2010 which include:

o Inovation of the system and statistical data processing.

o Map of Indonesian Earthquake Occurence.

o Map of Indonesian Earthquake Exposure.

o Separate classification of multi-location risks in Risk and Loss Profile report.

o Analysis of earthquake insurance related to macro economic conditions.

o Current Seismic Analysis. o Bilingual reports (Indonesian - English). o Navigation Panel to ease to trace the

statistical report. o Creative tables, maps and graphs.

With the spirit of "Go Green” the report is presented in soft copy rather than hard copy. Our efforts to continously improve this statistic report are nothing without all insurance companies’ support. Complete and accurate data will greatly determine the quality of these statistical results.

Kata Pengantar Foreword

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Kami berharap laporan statistik ini dapat

memberikan manfaat tidak hanya bagi

perusahaan asuransi yang menangani asuransi

gempa bumi, namun juga berguna bagi industri

Asuransi Umum di Indonesia.

We hope that this statistic report is useful for both insurance companies having earthquake business and general insurance industry in Indonesia.

Salam Inovasi MAIPARK !!

Frans Sahusilawane President Director

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Daftar Isi / Contents

Kata Pengantar .................................................. i

Daftar Isi ........................................................... iii

Informasi Statistik............................................ vi

Ikhtisar Asuransi Gempa Bumi Indonesia

2010......................................................................

A.Pendahuluan ............................................... 1

B.Struktur Pasar ............................................ 1

C.Pertumbuhan Premi Bruto .......................... 2

D.Jumlah Risiko ............................................. 6

E.Kontribusi Asuransi Gempa Bumi Indonesia

....................................................................... 7

F.Pertumbuhan Incurred Claim ..................... 15

Exposure Asuransi Gempa Bumi Indonesia ...

Tabel 2.1.Exposure Per Cresta Zone .......... 21

Tabel 2.2.Exposure Per Okupasi .................. 23

Tabel 2.3.Exposure Per Interest ................... 25

Tabel 2.4.Exposure Per Provinsi .................. 27

Gross Premium Asuransi Gempa Bumi

Indonesia ............................................................

Tabel 3.1.Gross Premium Per Cresta Zone . 28

Tabel 3.2.Gross Premium Per Okupasi ........ 30

Tabel 3.3.Gross Premium Per Provinsi ......... 32

Jumlah Risiko Asuransi Gempa Bumi

Indonesia ............................................................

Tabel 4.1.Jumlah Risiko Per Cresta Zone ... 33

Tabel 4.2.Jumlah Risiko Per Okupasi ........... 35

Klaim Asuransi Gempa Bumi Indonesia ..........

Tabel 5.1.1.Klaim Frekwensi Per Okupasi .... 37

Tabel 5.1.2.Klaim Frekwensi Per Cresta Zone

..................................................................... 39

Tabel 5.2.1.Jumlah Klaim Per Okupasi ......... 41

Tabel 5.2.2.Jumlah Klaim Per Cresta Zone .. 43

Foreword ............................................................ i

Table of Contents ............................................ iii

Statistical Information ..................................... iv

Summary of Indonesia Earthquake

Insurance 2010 ...................................................

A.Introduction ................................................. 1

B.Market Structure ........................................ 1

C.Growth of Gross Premium ......................... 2

D.Number of Risks ........................................ 6

E.Earthquake Insurance Contribution

....................................................................... 7

F.Growth of Incurred Claim ......................... 15

Indonesia Earthquake Insurance Exposure ....

Table 2.1.Exposure By Cresta Zone ........... 21

Table 2.2.Exposure By Occupation .............. 23

Table 2.3.Exposure By Interest .................... 25

Table 2.4.Exposure By Province .................. 27

Indonesia Earthquake Insurance Gross

Premium .............................................................

Table 3.1.Gross Premium By Cresta Zone .. 28

Table 3.2.Gross Premium By Occupation .... 30

Table 3.3.Gross Premium By Province ........ 32

Indonesia Earthquake Insurance Number of

Risks ...................................................................

Table 4.1.Number of Risk By Cresta Zone .. 33

Table 4.2.Number of Risk By Occupation..... 35

Indonesia Earthquake Insurance Claim............

Table 5.1.1.Claim Frequency By Occupation 37

Table 5.1.2. Claim Frequency By Cresta Zone

..................................................................... 39

Table 5.2.1.Claim Amount By Occupation .... 41

Table 5.2.2.Claim Amount By Cresta Zone .. 43

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Profil Risiko dan Klaim ......................................

Tabel 6.1.Semua Tahun Underwriting, Semua

Okupasi, Semua Cresta Zone ...................... 45

Tabel 6.2. Tahun Underwriting 2010, Semua










Profil Risiko dan Klaim Tahun Underwriting

2010 .....................................................................

Okupasi Agricultural ..................................... 51

Okupasi Commercial .................................. 52

Okupasi Industrial ....................................... 53

Okupasi Residential .................................... 54


2009 .....................................................................

Okupasi Agricultural .................................... 55





2008 .....................................................................






2007 .....................................................................



Risk and Loss Profile ........................................

Table 6.1.All Underwriting Year, All

Occupation, All Cresta Zone......................... 45

Table 6.2. Underwriting Year 2010, All










Risks and Loss Profile Underwriting Year

2010 ....................................................................

Agricultural Occupation ............................. 51

Commercial Occupation ............................ 52

Industrial Occupation ................................. 53

Residential Occupation ............................. 54


2009 ....................................................................






2008 ....................................................................




Residential Occupation .............................. 62


2007 ....................................................................



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2006 .....................................................................





Peta.7.1 Distribusi Kejadian Gempa di

Indonesia 2004 - 2010 ................................. 71

Daftar Istilah .....................................................

Lampiran

1. Tarif Asuransi Gempa Bumi Indonesia .....

2. Skala First Loss ..........................................

3. Tabel Jangka Waktu Pertanggungan Kurang dari satu tahun .............................

4. Tabel Indemnitas ......................................

Industrial Occupation .................................. 65



2006 ....................................................................

Agricultural Occupation .............................. 67



Residential Occupation .............................. 70

Map 7.1 Indonesia Earthquake Distribution of

occurrences 2004-2010 ................................ 71

Glossaries ........................................................

Attachments

1. Indonesia Earthquake Insurance Tariff ....

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

3. Short Period Table less than one year period ........................................................

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

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1. Statistik dibuat berdasarkan Underwriting

Year yang tercatat sampai dengan posisi 31 Desember 2010.

2. Sesi Limit 2.1. Limit Sesi didasarkan atas setiap

risiko. 2.2. Yang dimaksud dengan setiap risiko

(anyone risk) adalah akumulasi (aggregate) jumlah harga pertanggungan seluruh risiko pada lokasi yang sama untuk masing-masing perusahaan asuransi. Definisi setiap risiko atau setiap lokasi ditentukan oleh perusahaan asuransi atau 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 atau 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

1. Statistics are made based on

Underwriting Year basis, which is recorded as at December 31 2010.

2. Cession Limit

2.1. Cession Limit is based on any one risk.

2.2. Anyone risk is the accumulation of (aggregate) total sum insured of all risks at the same location for each insurance company. The definition of anyone risk or any location is specified by the insurer or policy issuer in accordance with the interpretation of insurance companies in underwriting fire policy.

2.3. Cession Limit of any one risk for the combined material and business interruption damage are as follows: 2.3.1 For West Java, Banten and DKI

: 5% (five percent) of the total sum insured, a maximum of USD 2,500,000.00 (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer

2.3.2 Others area within Indonesia are 25% (twenty five percent) of total sum insured, maximum of USD 2,500,000.00 (two million five hundred thousand U.S. Dollars) for each risk, each insurance company or policy issuer.

Informasi Statistik Statistics Information

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perusahaan asuransi atau 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 :

2.4 In term of first loss basis / sub limit policies, the amount cessions are stipulated in item 2.3 above, then multiplied by the percentage of First Loss Basis / Sub-limit Basis.

2.5 For coinsurance policies, maximum

cession from all members of coinsurance is stipulated in item 2.3 above. Each ceding company cedes proportionally depending on its share. In the even there are other policies on the same risk beside that coinsurance policy, insurer still can cede such risks subject to the maximum limit set out in item 2.3

3. Premium Tariff

3.1. For the coverage of Full Value Basis, Indonesian earthquake rate standard is applied (attachment 1).

3.2. The coverage First Loss / Sub Limit Basis uses standard First Loss Scale (attachment 2).

3.3. Premium calculation for short period coverage is based on Short Period Scale (attachment 3).

3.4. Premium calculation for business interruption is based on Indemnity Period Scale (attachment 4)

4. Insured Objects 4.1. Insured objects that can be ceded

are insured objects in fire policy. such as :

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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.

5. Pelaporan Bordero. Pelaporan bordero dilakukan setiap

bulannya untuk semua risiko yang ditutup pada bulan yang bersangkutan dan sudah harus diterima selambat-lambatnya pada akhir bulan berikutnya.

6. Untuk kasus “Multi Location Risk” yang

mengalami kesulitan dalam memberikan detail harga pertanggungan perlokasi maka dengan persetujuan AAUI pensesian risiko dan perhitungan premi dilakukan pada zona-zona tertentu.

7. Untuk menggambarkan premi dan harga

pertanggungan yang sebenarnya dalam penutupan asuransi gempa bumi berdasarkan ko-asuransi, diharapkan agar seluruh anggota ko-asuransi mensesikan risiko gempa bumi tersebut.

4.1.1. Material damage :

Buildings

Foundations

Excavation and the like

Stocks

Others

4.1.2. Business Interruption

Gross Profit

Wages

Increase in cost of working

Others

4.2. Insured objects referred in item 4.1 are objects from direct business insurance, including coinsurance. Indirect businesses cannot be ceded.

5. Bordereaux Report. Bordereaux reports is submitted on a monthly basis for all risk underwritten in the month concerned and should be received by the end of the following month.

6. In the case of Multi Location Risks with no details of sum insured provided per location, the risk cession and its premium calculation specified zones after approved by AAUI.

7. In order to get overall pictures of each earthquake insurance covers, it is strongly hoped that all coinsurance members could cede the earthquake cession.

S t a t i s t i k A s u r a n s i G e m p a B u m i I n d o n e s i a 2 0 1 0 1 | P a g e

A. Pendahuluan. Dengan mengukur Pendapatan Domestik Bruto (PDB) berdasarkan laporan yang dikeluarkan Biro Pusat Statistik dalam laporan triwulan 2010-nya, ternyata PDB nasional pada triwulan keempat 2010 meningkat sebesar 14,42% dari Rp. 5.613,40 triliun di tahun 2009 menjadi Rp. 6.422,91 triliun di tahun 2010 ini. Tingkat Pendapatan Domistik Bruto (PDB) Indonesia dalam lima tahun terakhir dapat dilihat pada grafik 1.1 dibawah ini B. Struktur Pasar. Maipark dimiliki oleh seluruh perusahaan asuransi dan reasuransi umum di Indonesia, Partisipasi kepada Maipark bersifat wajib. Data-data dalam laporan ini merupakan hasil dari sesi wajib statistik gempa bumi tersebut ditambah sesi bukan statistik.

A. Introduction By measuring its Gross Domestic Product (GDP) based on the quarterly report in 2010 issued by Statistic Centre Bureau, the national GDP has increased 14,42% or from Rp. 5.613,40 trillion in 2009 to Rp. 6.422,91 trillions in 2010. The level of Indonesia’s Gross Domestic Product during the last five years is shown in graph 1.1 below. B. Market Structure. Maipark is owned by all general insurance and reinsurance companies in Indonesia. Participation to Maipark was made compulsory. All data in this report is generated from stastistical compulsory cession and non statistical cession.

Pendapatan Domestik Bruto (PDB) Gross Domestik Product (GDP)

Grafik 1.1 / Graph 1.1

Ikhtisar Usaha Asuransi Gempa Bumi Indonesia Tahun 2010 Summary of Indonesian Earthquake Insurance Business Activities in 2010

Dalam Miliar Rupiah In Billion Rupiah


Per 31 Desember 2010, seperti yang dilaporkan oleh Bapepam LK – Departemen Keuangan dalam laporan Indonesian insurance directory 2010, jumlah perusahaan asuransi dan reasuransi umum di Indonesia adalah 90 perusahaan. Dengan rincian 86 perusahaan asuransi umum dan 4 perusahaan reasuransi umum. Dari ke 86 perusahan asuransi umum ini, 20 diantaranya adalah perusahaan patungan. Sedangkan 66 sisanya adalah perusahaan swasta nasional. Dari 4 perusahaan reasuransi umum, kesemuanya adalah juga perusahaan swasta nasional. C. Pertumbuhan Premi Bruto Seiring dengan meningkatnya laju pertumbuhan ekonomi Indonesia, seperti yang terlihat dari pertumbuhan Pendapatan Domestik Bruto, pendapatan premi bruto asuransi gempa bumi pun meningkat dari tahun ke tahun. Sampai dengan posisi per 31 Desember 2010, pendapatan premi bruto untuk tahun underwriting 2006 adalah sebesar Rp. 1.770 Milliar. Premi Bruto untuk tahun underwriting 2007 tercatat sebesar Rp. 1.858 Milliar, sedangkan tahun underwriting 2008 adalah Rp. 1.930 milliar. Untuk tahun underwriting 2009 dan 2010 pendapatan premi bruto asuransi gempa bumi adalah sebesar Rp. 1.947 milliar dan Rp. 1.626 milliar. Angka-angka ini dipastikan akan terus bergerak naik karena pensesian yang masih terus berlanjut, terutama untuk tahun underwriting 2009 dan 2010. Jika mengasumsikan tidak ada pertumbuhan premi yang berarti pada tahun underwriting 2006, 2007 dan 2008, maka dapat dikatakan bahwa premi asuransi gempa bumi di tahun underwriting 2007 tumbuh sebesar 4,97% dibanding tahun 2006, sedangkan untuk tahun underwriting 2008 premi tumbuh sebesar 3,87% dari tahun sebelumnya.

As at December 31, 2010, Based on the report in Indonesia Insurance Directory 2010 issued by Bapepam LK- Ministry of Finance, there are 90 insurance companies which consist of 86 general insurance companies and 4 reinsurance companies. 20 general insurance companies are joint venture and the remaining are private national companies. The four reinsurance companies are also private national. C. Gross Premium Growth As reflected in the development of Gross Domistik Product, the growth of the gross premium of earthquake insurance is in line with the growth of Indonesian economic every year. As at December 31 2010, earthquake gross premium income for underwriting year 2006 is Rp. 1.770 billions. Gross premium for 2007 was booked for Rp. 1.858 billions. While underwriting year 2008 premium is Rp. 1.930 billions. Gross Premium for underwriting year 2009 and 2010 are Rp. 1.947 billions and Rp. 1.626 billions. This gross premium income will keep moving up because earthquake cession continues, especially for underwriting year 2009 and 2010. If there is no significant movement on the underwriting year 2006,2007,and 2008, the earthquake insurance premium for underwriting year 2007 would be 4,97% higher than underwriting year 2006. While premium growth for underwriting year 2008 is 3,87% higher than underwriting year 2007.


Tabel 1.1 dan grafik 1.2 berikut ini menggambarkan pertumbuhan premi bruto dari tahun ke tahun. Dari tabel dan grafik diatas tampak bahwasannya pertumbuhan premi bruto asuransi gempa bumi pada tahun ke dua, untuk setiap tahun underwriting, rata-rata sudah mencapai lebih dari 90% dari maksimum pertumbuhannya. Pada setiap tahun underwriting, pelaporan sesi asuransi gempa bumi di tahun pertama, juga menunjukkan peningkatan. Untuk tahun underwriting 2006 tercatat rasio sebesar 47% dari total premi tahun underwriting tersebut. Angka ini meningkat tajam di tahun underwriting 2007 menjadi sebesar 55% dan terus menaik di tahun underwriting 2008 sebesar 56% dan tahun underwriting 2009 sebesar 58%.

Table 1.1 and graph 1.2 below show gross premium development from year to year. The table and graph above shows that, on average, the growth of gross premium income reaches over 90% maximum at its second underwriting year. For each underwriting year, earthquake insurance cession report at its first year shows increament. For underwriting year 2006, the ratio is only 47% from total. It increased more sharply than underwriting year 2007 to become 55% and keeps moving up at 56% for underwriting year 2008 and 58% for underwriting year 2009.

2006 821 47% 1,651 93% 1,697 96% 1,734 98% 1,770 100%

2007 1,028 55% 1,790 96% 1,792 96% 1,858 100%

2008 1,078 56% 1,803 93% 1,930 100%

2009 1,126 58% 1,947 100%

2010 1,626 100%

20072006

Underwriting

Year

Per / As At 31 December

2008 2009 2010


Tabel 1.1 / Table 1.1


Pertumbuhan Premi Bruto Asuransi Gempa Bumi Eathquake Gross Premium Growth


Kontribusi terbesar premi asuransi gempa bumi yang tercatat sampai dengan 31 Desember 2010 untuk tiap tahun underwriting masih menunjukkan tingginya tingkat pendapatan premi yang diperoleh dari okupasi industri, dengan rata-rata rasio pendapatan dalam 5 tahun terakhir underwriting sebesar 66% dari total premi. Diikuti oleh okupasi komersial dengan rasio sebesar 23% dan residensial sebesar 10%. Sedangkan okupasi agrikultural menyumbang hanya sebesar rata-rata 1% disetiap tahun underwriting. Meskipun okupasi agrikultural dan residensial memberikan kontribusi yang tidak sebesar okupasi industri ataupun komersial. Namun jika melihat pertumbuhan premi bruto disetiap tahun underwriting, kedua okupasi ini mengalami pertumbuhan premi yang cukup tinggi dan diatas rata-rata pertumbuhan premi semua okupasi disetiap tahunnya. Pertumbuhan yang cukup tinggi dan berlangsung tiap tahun pada okupasi residensial terjadi, baik itu jumlah maupun rasio kontribusi pada total pendapatan premi di setiap tahun underwriting. Dibanding dengan tahun underwriting 2006, pendapatan premi bruto dari okupasi residensial di tahun underwriting 2007 tumbuh hampir dua kali lipat. Pertumbuhan ini terus berlanjut meskipun tak sebesar pertumbuhan ditahun underwriting 2007. Di tahun underwriting 2010, dimana pensesian masih terus berlangsung, okupasi ini telah mengumpulkan pendapatan premi bruto sebesar Rp. 211,68 milliar. Angka ini diproyeksikan akan terus tumbuh hingga mencapai Rp. 350 milliar. Pertumbuhan premi yang cukup tinggi di okupasi agrikultural terlihat pada tahun underwriting 2008, dimana pendapatan premi tumbuh hampir 80% lebih besar dibanding tahun underwriting sebelumnya. Tabel 1.2 berikut ini menyajikan rincian premi bruto untuk tiap tahun underwriting berdasarkan okupasi.

As at Desember 31 2010, the highest earthquake premium contribution for each underwriting year is coming from industrial occupation, the average income ratio is 66% for the last five underwriting years. Followed by commercial occupation with ratio of 23% and 10% from residential occupation. The other side, agricultural occupation contributes only about 1% for each underwriting year. Although contributions of agricultural and residential occupation are not as high as industrial or commercial, their gross premiums still increase significantly every year. Their increaments of each underwriting year are even above average in all occupations combined. For residential occupation in each underwriting year, the significant increase are both on its total gross premium and its contribution ratio. The gross premium of residential for underwriting year 2007 is almost doubled comparing to that of underwriting year 2006. This growth continued although it is not as high as in underwriting year 2007. In underwriting year 2010, where cession continues, this occupation has produced Rp. 211,68 billions of gross premium income. This figure is projected to grow and reach Rp. 350 billions. The significant growth in agricultural occupation is in underwriting year 2008, where premium is 80% higher than previous underwriting year. This following table 1.2, shows detail gross premium for the last five years by occupation.


Dilihat dari distribusi premi berdasarkan cresta zone dalam 5 tahun underwriting terakhir, penyebaran risiko gempa bumi masih terpusat di zona 3 (DKI Jakarta dan Jawa Barat). Meskipun pendapatan premi masih terus dapat berubah dikarenakan pensesian masih terus berlangsung, namun terlihat tingkat rasio pada zona 3 ini terus beranjak naik dari 45% pada tahun underwriting 2006 menjadi 55% di tahun underwriting 2010 dengan rata-rata tiap tahun underwriting sebesar 50%. Jika zona 3 terus bertambah naik, penurunan justru terjadi pada zona 6 (Kalimantan). Penurunan ini tampak secara rasio maupun jumlah pendapatan premi brutonya, hal ini terlihat Dari tahun underwriting 2006-2008, dimana pada ketiga tahun underwriting ini, premi tidak akan banyak berubah. Pada tahun underwriting 2006, zona ini memberikan kontribusi sebesar 10%. Tingkat rasio ini terus turun pada setiap tahunnya, hingga hanya mencapai sebesar 5% pada tahun underwriting 2010. Pada zona lain, rasio distribusi premi untuk tiap tahun underwriting terlihat stabil. Seperti yang terlihat pada tabel 1.3 berikut ini.

The premium distribution based on cresta zone for the last last 5 underwriting years is centralized in zone 3 (DKI Jakarta and West Java). The ratio is growing from 45% in underwriting year 2006 to 55% in underwriting year 2010 with the average of 50% each year. This is due to the cessions are still in process. While zone 3 is increasing, the decrease on the other hand occurred on zone 6 (Kalimantan) on both ratio and its earthquake gross premium. Underwriting year data of 2006 – 2008 shows the decrease, where gross premium for these underwriting years remain steady. On underwriting year 2006, this zone contributes 10%. This contribution ratio keeps decreasing each underwriting year until only 5% contribution ratio on underwriting year 2010. On the other zones, premium distribution ratio for each underwriting year seems consistent as shown in table 1.3 below.

Agrikultur / Agricultural 10.31 1% 9.95 1% 17.85 1% 17.32 1% 9.95 1%

Komersil /Commercial 428.77 24% 394.32 21% 458.88 24% 468.26 24% 314.52 19%

Industri / Industrial 1,253.02 71% 1,301.76 70% 1,237.32 64% 1,183.76 61% 1,090.48 67%

Residensil / Residential 78.15 4% 152.47 8% 216.00 11% 278.59 14% 211.68 13%

Total 1,770.25 1,858.50 1,930.05 1,947.93 1,626.62

Sektor Ekonomi

Okupasi 2006 2010200920082007

Tahun Underwriting / Underwriting Year

Premi Bruto Berdasarkan Okupasi Gross Premium By Occupation Dalam Miliar Rupiah

In Billion Rupiah


Per / As At 31 Dec 2010


D. Jumlah Risiko Seiring dengan pertumbuhan jumlah premi bruto yang terus meningkat, jumlah risiko asuransi gempa bumi juga terus meningkat. Dari keempat okupasi yang ada, peningkatan yang cukup berarti terlihat pada okupasi residensial. Tabel dibawah ini menyajikan jumlah risiko, namun tidak termasuk risiko multilokasi yg tidak lengkap datanya. Dimana kami kesulitan memisahkannya untuk menjadi satu risiko. Pertumbuhan gross premi yang terus meningkat pada okupasi residensial, tampak pada tabel diatas, pertumbuhan ini diiringi dengan peningkatan jumlah risikonya. Baik itu di tahun underwriting 2006, 2007, 2008 dan 2009.

D. Number of Risks The gross premium of earthquake insurance grows as well as the number of earthquake risk. The growth of gross premium in residential keeps increasing as shown in the above table. This following table shows earthquake number of risks, excluding unidetified multi location risks. As we see it is difficult to separate them into single risk. The gross premium grow is increasing on residential occupation, as shown by the above table. This growth is in line with the number of risks on residential occupation in underwriting year 2006, 2007, 2008 and 2009.

Sumatera Wilayah Utara / North Sumatera 93.33 5% 96.00 5% 68.63 4% 89.39 5% 112.97 7%

Sumatera Wilayah Selatan / South Sumatera 205.19 12% 179.28 10% 217.88 11% 190.51 10% 123.47 8%

DKI & Jawa Barat / DKI & West Java 790.09 45% 853.57 46% 959.02 50% 1,065.70 55% 889.36 55%

DIY & Jawa Tengah / DIY & Central Java 149.24 8% 153.98 8% 139.52 7% 114.26 6% 94.59 6%

Jawa Wilayah Timur / East Java 246.29 14% 290.29 16% 305.57 16% 273.54 14% 230.19 14%

Kalimantan / Kalimantan 182.65 10% 164.61 9% 110.13 6% 87.63 4% 75.56 5%

Sulawesi / Sulawesi 59.71 3% 65.26 4% 69.22 4% 63.44 3% 49.37 3%

Wilayah Lainnya / Other Island 43.75 2% 55.52 3% 60.09 3% 63.46 3% 51.11 3%

Total 1,770.25 1,858.50 1,930.05 1,947.93 1,626.62

Zona Cresta / Cresta Zone2006 2010200920082007


Premi Bruto Berdasarkan Zona Cresta Gross Premium By Cresta Zone




Agricultural 464 100% 414 89% 626 135% 409 88% 228 49%

Commercial 38,231 100% 39,128 102% 65,009 170% 56,713 148% 46,101 121%

Industrial 9,236 100% 11,746 127% 9,773 106% 11,791 128% 9,418 102%

Residential 23,680 100% 31,594 133% 36,070 152% 41,414 175% 36,128 153%

Total 71,611 82,882 111,478 110,327 91,875

Okupasi2006 2010200920082007


Pertumbuhan Jumlah Risiko Asuransi Gempa Bumi Earthquake Insurance Risk Number Development




*) Tidak termasuk risiko multilokasi yang tidak terdefinisi secara lengkap / excluding unidentified multilocation risks


Peningkatan jumlah risiko juga dialami oleh okupasi komersial, meskipun dilihat dari tingkat pertumbuhan pendapatan premi brutonya tidaklah terlalu berubah banyak. E. Kontribusi Asuransi Gempa Bumi Pertumbuhan yang dialami ekonomi Indonesia juga tampak dari pertumbuhan industri asuransi, baik itu asuransi jiwa maupun asuransi kerugian. Dalam catatan terakhir yang dikeluarkan oleh Biro Perasuransian Bapepam LK, dalam buku Perasuransian Indonesia 2009, tercatat penerimaan premi bruto asuransi di tahun 2009 meningkat sebesar 17,9% dari tahun sebelumnya menjadi Rp. 106,4 triliun. Rasio antara premi bruto terhadap Produk Domestik Bruto sebesar 1,9%. Pada tahun 2009, Asuransi kerugian dan reasuransi mencatat premi bruto sebesar Rp. 25.07 triliun, atau meningkat sebesar 6,08% dari tahun 2008. Di lini usaha asuransi properti sendiri pendapatan premi bruto tumbuh sebesar 4% menjadi Rp. 7,72 triliun. Asuransi gempa bumi merupakan bagian dari asuransi properti. Sebelumnya, asuransi gempa bumi hanyalah merupakan perluasan (ekstension) atas polis asuransi properti, namun sejak tahun 2007 telah ada Polis Standar Asuransi Gempa Bumi Indonesia (PSAGBI) yang memungkinkan asuransi gempa bumi ditutup secara terpisah. Dengan memproyeksi pendapatan premi bruto asuransi gempa bumi untuk tahun 2009 dan 2010, maka rata-rata kontribusi asuransi gempa bumi terhadap produk domistik bruto dalam lima tahun terakhir adalah sebesar 0,04%. Sedangkan, kontribusi asuransi gempa bumi terhadap penutupan asuransi property dalam lima tahun terakhir adalah sebesar 27,54%. Atau, dari tiga sampai empat penutupan asuransi property terdapat satu penutupan asuransi gempa bumi, baik itu yang hanya merupakan

The growth of number of risk also occurs in commercial occupation, despite less change in the premium. E. Earthquake Insurance Contribution Indonesian economic growth is reflected on its insurance industry’s growth. On last publications of Indonesia Insurance 2009 issued by Indonesian Insurance Bureau, the gross premium for 2009 rose 17,9% to become Rp. 106,4 trillion. The ratio of gross premium to gross domestic product is about 1,9%. In 2009, gross premium of general insurance and reinsurance is Rp. 25,07 trillion, or increase for 6,08% from 2008. For property insurance itself, the gross premium increases for 4% than previous year and become Rp. 7,72 trillions. Earthquake insurance is a part of property insurance. At the beginning, earthquake insurance is only an extension of property insurance policy. Since 2007, there is Indonesian Earthquake Insurance Standard Policy which enables earthquake insurance policy to be covered separately. By projecting earthquake gross premium for year 2009 and 2010, the average earthquake contribution to gross domestic product for the last five years is about 0,04%. While, earthquake contribution to property insurance for the last five years is around 27,54%, it means that in every three or four property insurance issued, there is one earthquake cover, whether it is as a property insurance extension or a stand-alone policy.


perluasan dari polis property maupun penutupan yang berdiri sendiri. Produk Domestik Bruto, Premi Bruto Asuransi Property yang bersumber dari penutupan langsung serta Premi Bruto Asuransi Gempa Bumi selama 2006 hingga 2010, dapat dilihat di tabel 1.5 berikut. Seperti yang terlihat dari penyebaran asuransi gempa bumi berdasarkan zona cresta, ternyata cresta 3 adalah pusat dari penyebaran asuransi gempa bumi di Indonesia. Jika dilihat per provinsi maka Provinsi DKI Jakarta, Jawa Barat dan Banten yang merupakan bagian dari cresta 3, adalah pusat-pusat provinsi asuransi gempa bumi. Dalam lima tahun terakhir,masing-masing provinsi tersebut menyumbang rata-rata sebesar 20%,17% dan 10% dari total pendapatan premi asuransi gempa bumi nasional. Diikuti oleh Provinsi Jawa Timur yang mencatat kontribusi sebesar rata-rata 14% dan Jawa Tengah dengan kontribusi rata-rata sebesar 7%. Di kepulauan Sumatera, Provinsi Riau, dengan pendapatan premi yang besar dari industri gas, minyak bumi serta kertas, mencatatkan diri sebagai penyumbang terbesar premi asuransi gempa bumi di kepulauan ini. Dengan kontribusi sebesar 4,24%, diikuti oleh provinsi sumatera

Gross Domestic Product, gross property premium income from direct business and earthquake gross premium from 2006 to 2010 are shown in table 1.5 below: As we can see the spread of the earthquake insurance by cresta zone, cresta 3 is the central spread of the Indonesian insurance. If we see the insurance earthquake spread by province, province of DKI Jakarta, West Java and Banten (all are in cresta 3) are the central province of earthquake insurance. Within the last five years, each province contribute the average of 20%,17%, and 10% of total national earthquake insurance premium. It is followed by province of East Java which contributed the average of 14%, and Central Java with the average of 7%. In Sumatera Island, Riau Province with gross premium income from oil, gas and pulp industries is the biggest producer of earthquake gross premium within this island. It contributes about 4,24%, followed by North Sumatera Province 3,68% ,South Sumatera 2,4% and Lampung 1,35%.

In Billion IDR Growth In Billion IDR Growth In Billion IDR Growth

2006 3,338,200 100% 5,377 100% 1,770 100%

2007 3,957,403 119% 6,487 121% 1,858 105%

2008 4,954,260 125% 7,388 114% 1,930 104%

2009 5,613,441 113% 7,724 104% 2,013 ** 104%

2010 6,442,918 115% 8,730 ** 113% 2,093 ** 104%

Year

Premi Bruto As. Gempa Bumi

Earthquake Ins. Gross Premium

Produk Domestik Bruto

Gross Domistic Product

*) Biro Pusat Statistik

Premi Bruto As. Properti -

Penutupan Langsung

Property Ins. Gross Premium -

Direct Business

*) Perasuransian Indonesia 2008


**) Nilai proyeksi / Projection value

Produk Domistik Bruto,Premi Bruto Asuransi Property dan Premi Bruto Asuransi Gempa Bumi 2006 – 2010 Gross Domestic Product, Property Gross Premium, and Earthquake Gross Premium 2006 - 2010


utara 3,68%, sumatera selatan 2,4% dan lampung 1,35%. Dari Pulau Kalimantan, Provinsi Kalimantan Timur merupakan penyumbang terbesar terhadap pendapatan premi asuransi gempa bumi dengan rasio sebesar 5,49% diikuti oleh Kalimantan tengah sebesar 1,52%. Tabel 1.6 dibawah ini menyajikan kontribusi pendapatan premi asuransi gempa bumi yang dibagi berdasarkan provinsi, catatan per tanggal 31 Desember 2010.

In Kalimantan Island, province of East Kalimantan is top producer with 5,49% contribution. It is followed by Central Kalimantan which contributes about 1,52%. This following table 1.6 shows earthquake insurance contribution by province, as at December 31, 2010.

2006 % 2007 % 2008 % 2009 % 2010 %

1 Nanggroe Aceh Darussalam 26,797 1.51 28,766 1.55 6,285 0.33 9,523 0.49 13,787 0.85

2 Sumatera Utara 66,528 3.76 67,234 3.62 62,342 3.23 79,865 4.10 99,186 6.10

3 Sumatera Barat 13,122 0.74 10,457 0.56 20,579 1.07 17,844 0.92 19,372 1.19

4 Riau 103,014 5.82 73,556 3.96 94,743 4.91 44,412 2.28 25,528 1.57

5 Jambi 4,452 0.25 4,062 0.22 5,024 0.26 33,238 1.71 3,155 0.19

6 Sumatera Selatan 54,983 3.11 51,470 2.77 35,475 1.84 37,427 1.92 26,717 1.64

7 Bengkulu 1,243 0.07 2,372 0.13 6,069 0.31 5,465 0.28 4,486 0.28

8 Lampung 15,867 0.90 20,423 1.10 35,129 1.82 30,702 1.58 28,992 1.78

9 Kepulauan Bangka Belitung 678 0.04 474 0.03 3,340 0.17 4,231 0.22 1,261 0.08

10 Kepulauan Riau 11,832 0.67 16,464 0.89 17,519 0.91 17,190 0.88 13,964 0.86

11 DKI Jakarta 333,909 18.86 353,233 19.01 427,032 22.13 449,634 23.08 304,816 18.74

12 Jaw a Barat 285,327 16.12 326,322 17.56 337,069 17.46 399,064 20.49 321,468 19.76

13 Jaw a Tengah 143,560 8.11 147,234 7.92 126,934 6.58 99,503 5.11 81,030 4.98

14 DI. Yogy akarta 5,676 0.32 6,745 0.36 12,591 0.65 14,756 0.76 13,563 0.83

15 Jaw a Timur 246,293 13.91 290,293 15.62 305,570 15.83 273,542 14.04 230,187 14.15

16 Banten 170,851 9.65 174,015 9.36 194,914 10.10 217,004 11.14 263,074 16.17

17 Bali 27,034 1.53 33,226 1.79 47,326 2.45 53,093 2.73 41,228 2.53

18 Kalimantan Barat 1,655 0.09 1,816 0.10 3,267 0.17 4,165 0.21 2,218 0.14

19 Kalimantan Tengah 19,095 1.08 25,171 1.35 45,856 2.38 24,417 1.25 12,779 0.79

20 Kalimantan Selatan 2,777 0.16 2,777 0.15 3,602 0.19 5,438 0.28 3,784 0.23

21 Kalimantan Timur 159,119 8.99 134,843 7.26 57,406 2.97 53,611 2.75 56,777 3.49

22 Sulaw esi Utara 4,156 0.23 5,212 0.28 5,831 0.30 10,735 0.55 8,080 0.50

23 Sulaw esi Tengah 1,004 0.06 1,572 0.08 1,837 0.10 1,551 0.08 1,284 0.08

24 Sulaw esi Selatan 17,142 0.97 23,365 1.26 24,325 1.26 25,666 1.32 12,817 0.79

25 Sulaw esi Tenggara 36,896 2.08 34,445 1.85 36,385 1.89 8,811 0.45 9,484 0.58

26 Gorontalo 466 0.03 575 0.03 725 0.04 16,025 0.82 17,233 1.06

27 Sulaw esi Barat 53 0.00 86 0.00 118 0.01 651 0.03 474 0.03

28 Nusa Tenggara Barat 1,965 0.11 3,819 0.21 2,916 0.15 2,703 0.14 2,643 0.16

29 Nusa Tenggara Timur 656 0.04 531 0.03 736 0.04 885 0.05 973 0.06

30 Maluku 986 0.06 534 0.03 507 0.03 877 0.05 1,408 0.09

31 Maluku Utara 51 0.00 706 0.04 734 0.04 572 0.03 414 0.03

32 Papua Barat 1,040 0.06 1,169 0.06 1,376 0.07 1,617 0.08 1,678 0.10

33 Papua 12,020 0.68 15,539 0.84 6,490 0.34 3,717 0.19 2,765 0.17

Provinsi / Province

Premi Bruto As. Gempa Bumi

Earthquake Insurance Gross Premium

*) As at 31 Dec 2010

Underwriting Year

Premi Bruto Asuransi Gempa Bumi Berdasarkan Provinsi 2006 - 2010 Earthquake Gross Premium By Province 2006 - 2010


Dalam Jutaan Rupiah In Million Rupiah


Dari pengamatan saat ini untuk tiga tahun underwriting, 2006,2007 dan 2008, diasumsikan pertumbuhan premi di ketiga tahun underwriting tersebut tidak akan banyak berubah. Maka,meskipun tingkat penyebaran premi asuransi gempa bumi tertinggi berada di provinsi DKI Jakarta, dan Jawa Barat, ternyata jika dilihat dari kontribusi asuransi gempa bumi terhadap pendapatan domestik regional bruto, atau penetrasi asuransi per provinsi, menunjukkan bahwa kontribusi atau penetrasi tertinggi asuransi gempa bumi terhadap pendapatan regional masing-masing provinsi ada di provinsi Sulawesi Tenggara. Berdasarkan laporan Biro Pusat Statistik, produk regional bruto di provinsi Sulawesi Tenggara pada tahun 2008 sebesar Rp. 22.173.885 juta, dengan pendapatan gross premi asuransi gempa bumi sebesar Rp. 36.385 juta. Rata-rata penetrasi asuransi gempa bumi memberikan kontribusi pada tahun underwriting 2006, 2007, dan 2008 tersebut sebesar 0,20%. Kehadiran sektor pertambangan di provinsi ini memberikan kontribusi yang sangat besar terhadap pendapatan premi bruto asuransi gempa bumi pada provinsi ini. Meskipun demikian, kontribusi asuransi gempa bumi terhadap pendapatan regional domestik bruto (penetrasi asuransi) di Provinsi DKI Jakarta, dan Jawa Barat di tahun underwriting 2006, 2007 dan 2008 terbilang tinggi dan masih diatas rata-rata rasio penetrasi secara nasional. Penetrasi asuransi gempa bumi di provinsi DKI Jakarta adalah sebesar 0,064%, di provinsi Jawa Barat sebesar 0,056% Provinsi yang memiliki rasio tertinggi kedua setelah Sulawesi Tenggara adalah Provinsi Banten dengan rata-rata rasio setiap tahun underwriting sebesar 0,17%. Banyak industri yang menopang pendapatan premi asuransi gempa bumi di provinsi ini, seperti misalnya industri baja, listrik, kimia dan lain-lain. Jika pada provinsi Sulawesi Tengah sektor pertambangan memberikan kontribusi yang cukup besar terhadap pendapatan premi bruto asuransi gempa bumi, maka pada Provinsi

Based on our recent observation on these three underwriting year, 2006, 2007 and 2008, it is assumed that the premium growth for those three underwriting years do not change much. Therefore, even though the highest level of premium spread is in DKI Jakarta and West Java, the highest contribution of earthquake insurance penetration towards each regional provincial income is in Southeast Sulawesi. Based on the report of Statistic Centre Bureau, gross regional product in Southeast Sulawesi in 2008 is Rp. 22.173.885 million with the gross earthquake premium income of Rp. 36.385 million. The average earthquake insurance penetration in underwriting year 2006, 2007 and 2008 is 0.20%. The existence of mining sectors in this province gives big contribution to earthquake gross premium income. However, the earthquake insurance penetration toward gross domestic regional income (insurance penetration)in DKI Jakarta and West Java in underwriting year 2006, 2007 and 2008 are higher than that of national insurance penetration. Earthquake insurance penetration in province DKI Jakarta is 0.064% and 0.056% for West Java. The second highest earthquake insurance penetration per province is Banten Province with average ratio each underwriting year of 0.17%. Many supporting industries contribute earthquake insurance premium, such as steels, electrics, chemicals and others. While Central Sulawesi has mining sector that contributes significantly to earthquake insurance premium, Central Kalimantan has plantation and forestry sectors which give significant gross


Kalimantan Tengah, justru sektor perkebunan dan kehutanan yang memberikan kontribusi yang sangat signifikan dalam rasio pendapatan premi bruto terhadap produk domestik bruto di provinsi ini. Rata-rata rasio penetrasi pada provinsi ini dalam tahun underwriting 2006, 2007 dan 2008 adalah 0,10% Tingkat penetrasi asuransi gempa bumi di Provinsi Bali juga terlihat cukup tinggi dan berada diatas rata-rata nasional dengan tingkat rasio 0,08% Jika melihat data pendapatan premi bruto tahun underwriting 2009 dan 2010 yang telah dilaporkan dan memproyeksi pendapatan regional bruto, kemudian dibangingkan dengan rasio penetrasi di setiap provinsi pada tahun sebelumnya, ada beberapa provinsi yang menunjukkan pertumbuhan penetrasi asuransi gempa bumi yang cukup tinggi, seperti Provinsi Sulawesi Barat dan Sulawesi Utara, meskipun rasio penetrasi di kedua provinsi ini masih dibawah rata-rata rasio penetrasi nasional. Pada tahun underwriting 2006, 2007, 2008 tingkat penetrasi di provinsi Sulawesi Barat hanyalah sebesar 0,001%, 0,001%, 0,002% namun kemudian rasio penetrasi ini naik secara signifikan di tahun underwriting 2009, dan 2010 yang masih berjalan ini menjadi sebesar 0,008% dan 0,005%. Pertumbuhan yang cukup tinggi juga terjadi di provinsi Bengkulu, dan D.I. Yogyakarta. pada tahun underwriting 2006 penetrasi asuransi di provinsi Prov D.I. Yogyakarta adalah sebesar 0,019%, rasio ini bergerak naik di tahun underwriting 2007 dan 2008 menjadi sebesar 0,020%, 0,033%. Di tahun underwriting 2009 dan 2010, tingkat rasio penetrasi menunjukan pertumbuhan yang tinggi mencapai 0,036% di tahun underwriting 2009 dan 0,030% untuk tahun underwriting 2010. Untuk provinsi DKI Jakarta, Banten, Jawa Barat, Jawa Tengah, Jawa Timur, dan Sumatera Barat dari data tahun underwriting 2009 dan 2010 yang

premium income ratio toward Gross Domestic Product of this province. The average penetration ratio in this province for underwriting year 2006,2007 and 2008 is 0,10%. Earthquake insurance penetration in Bali is also high and above national average ratio with the ratio of 0,08%. Having seen data of gross premium income of underwriting year 2009 and 2010 that are already reported and by forecasting Gross Domestic Regional Product, then comparing it to penetration ratio of previous year for each province, there are some provinces having significant growth of earthquake insurance penetration. These are West Sulawesi, and North Sulawesi, eventhough penetration ratios for these provinces are below average national earthquake penetration. The penetration ratios for underwriting year 2006, 2007 and 2008 are 0,001%, 0,001%, 0,002%. then for continuing underwriting year 2009 and 2010, these penetration ratios increase sharply to be 0,008% and 0,005%. A significant growth also occurs in Bengkulu and D.I. Yogyakarta. By underwriting year 2006, penetration ratio for D.I Yogyakarta is 0,019%. This ratio increases for 0,020% and 0,033% in underwriting year 2007 and 2008. For the underwriting year 2009 and 2010, penetration ratios show high development, 0,036% for underwriting year 2009 and 0,030% for underwriting year 2010. From data underwriting year 2009 and 2010, earthquake insurance penetration on DKI


telah masuk, menunjukkan rasio penetrasi tidak akan banyak berubah. Pada Provinsi gorontalo, peningkatan rasio kontribusi asuransi gempa bumi terhadap produk bruto mulai terjadi di tahun underwriting 2009. Jika dilihat lebih lanjut pada data, bahwasannya kenaikan ini bersifat semu. Karena disebabkan pelaporan risiko multi lokasi yang dipusatkan di provinsi ini. Tabel 1.7 dibawah ini menyajikan penetrasi asuransi gempa bumi berdasarkan provinsi, dan peta 1.1 menunjukkan distribusi eksposure Asuransi gempa bumi di Indonesia untuk tahun underwriting 2010 berdasarkan provinsi, catatan per tanggal 31 Desember 2010.

Jakarta, West Java, Central Java, East Java and West Sumatera seem steady. Gorontalo province also shows increasing earthquake insurance penetration, especially in underwriting year 2009. Having seen the data further, this increase was apparently caused by multi location risks that existed in this province. This following table of 1.7 shows earthquake insurance penetration per province, and map 1.1 shows Indonesia earthquake exposure distribution per province for underwriting year 2010 as at December 31, 2010.


2006 2007 ** 2008 *** 2009 **** 2010 **** 2006 2007 2008 2009 2010

1 Nanggroe Aceh Darussalam 69,353,346 71,093,359 73,530,750 82,403,883 88,452,755 0.04% 0.04% 0.01% 0.01% 0.02%

2 Sumatera Utara 160,376,799 181,819,737 213,931,697 232,928,550 256,314,929 0.04% 0.04% 0.03% 0.03% 0.04%

3 Sumatera Barat 53,029,588 59,799,045 70,614,210 77,585,893 85,749,453 0.02% 0.02% 0.03% 0.02% 0.02%

4 Riau 167,068,189 210,002,560 276,400,130 299,934,573 339,463,680 0.06% 0.04% 0.03% 0.01% 0.01%

5 Jambi 26,061,774 32,076,677 39,665,532 43,339,241 48,533,725 0.02% 0.01% 0.01% 0.08% 0.01%

6 Sumatera Selatan 95,928,763 109,895,707 133,358,882 146,939,811 163,584,132 0.06% 0.05% 0.03% 0.03% 0.02%

7 Bengkulu 11,397,004 12,820,321 14,446,964 15,991,729 17,528,729 0.01% 0.02% 0.04% 0.03% 0.03%

8 Lampung 49,118,989 60,921,966 74,490,599 81,380,367 91,076,897 0.03% 0.03% 0.05% 0.04% 0.03%

9 Kepulauan Bangka Belitung 15,920,529 17,895,017 21,720,598 23,372,310 25,729,458 0.00% 0.00% 0.02% 0.02% 0.00%

10 Kepulauan Riau 46,216,076 51,826,272 58,585,996 63,232,026 68,686,054 0.03% 0.03% 0.03% 0.03% 0.02%

11 DKI Jakarta 501,584,807 566,449,360 677,445,240 731,887,199 805,522,853 0.07% 0.06% 0.06% 0.06% 0.04%

12 Jaw a Barat 473,187,293 526,608,765 602,420,555 678,672,459 751,752,301 0.06% 0.06% 0.06% 0.06% 0.04%

13 Jaw a Tengah 281,996,709 312,428,807 362,938,708 402,147,074 443,847,112 0.05% 0.05% 0.03% 0.02% 0.02%

14 DI. Yogy akarta 29,417,349 32,916,736 38,102,133 41,480,232 45,453,795 0.02% 0.02% 0.03% 0.04% 0.03%

15 Jaw a Timur 470,627,494 534,919,333 621,581,955 682,085,394 751,341,433 0.05% 0.05% 0.05% 0.04% 0.03%

16 Banten 97,867,273 107,499,652 122,497,457 133,373,504 145,417,975 0.17% 0.16% 0.16% 0.16% 0.18%

17 Bali 37,388,485 42,336,424 49,922,604 53,594,708 58,620,905 0.07% 0.08% 0.09% 0.10% 0.07%

18 Kalimantan Barat 37,714,997 42,478,601 48,414,405 52,226,786 56,820,535 0.00% 0.00% 0.01% 0.01% 0.00%

19 Kalimantan Tengah 24,480,038 27,920,072 32,350,804 35,318,378 38,822,232 0.08% 0.09% 0.14% 0.07% 0.03%

20 Kalimantan Selatan 34,670,494 39,438,767 45,515,623 48,675,356 52,937,342 0.01% 0.01% 0.01% 0.01% 0.01%

21 Kalimantan Timur 199,588,125 223,364,652 315,220,362 332,265,702 372,876,516 0.08% 0.06% 0.02% 0.02% 0.02%

22 Sulaw esi Utara 21,216,491 24,081,132 27,842,986 30,390,805 33,345,618 0.02% 0.02% 0.02% 0.04% 0.02%

23 Sulaw esi Tengah 19,310,255 22,757,593 28,151,502 30,186,785 33,449,383 0.01% 0.01% 0.01% 0.01% 0.00%

24 Sulaw esi Selatan 60,902,824 69,271,925 85,143,191 91,855,223 101,684,103 0.03% 0.03% 0.03% 0.03% 0.01%

25 Sulaw esi Tenggara 15,270,351 17,953,074 22,173,885 24,364,429 27,242,818 0.24% 0.19% 0.16% 0.04% 0.03%

26 Gorontalo 4,062,285 4,760,695 5,899,787 6,443,960 7,191,621 0.01% 0.01% 0.01% 0.25% 0.24%

27 Sulaw esi Barat 5,124,813 6,192,786 7,778,001 8,367,176 9,332,618 0.00% 0.00% 0.00% 0.01% 0.01%

28 Nusa Tenggara Barat 28,596,882 33,522,225 35,261,677 39,263,293 42,670,448 0.01% 0.01% 0.01% 0.01% 0.01%

29 Nusa Tenggara Timur 16,904,073 19,136,982 21,621,835 23,564,063 25,720,249 0.00% 0.00% 0.00% 0.00% 0.00%

30 Maluku 5,079,837 5,698,799 6,269,710 6,804,755 7,361,854 0.02% 0.01% 0.01% 0.01% 0.02%

31 Maluku Utara 2,818,417 3,160,042 3,856,362 4,023,057 4,378,310 0.00% 0.02% 0.02% 0.01% 0.01%

32 Papua Barat 8,945,540 10,369,836 12,471,606 13,529,318 14,953,938 0.01% 0.01% 0.01% 0.01% 0.01%

33 Papua 46,895,229 55,380,453 54,733,628 66,557,481 73,712,140 0.03% 0.03% 0.01% 0.01% 0.00%

Produk Domestik Regional Bruto Atas Dasar Harga Berlaku

Provinsi / Province

*) Biro Pusat Statistik

Gross Domistic Regional Bruto at Current Price

Penetrasi Asuransi Gempa Bumi

Earthquake Insurance Penetration

*) As at 31 Dec 2010

Dalam Jutaan Rupiah / In Million Rupiah

Penetrasi Asuransi Gempa Bumi Berdasarkan Provinsi 2006 - 2010 Earthquake Insurance Penetration By Province 2006 - 2010

**) Angka Sementara, Sumber BPS / Rough figures, source : BPS ***) Angka Sangat Sementara, Sumber BPS / Estimate figures, source : BPS ****) Angka Proyeksi / Projected Figures



Peta 1.1 / Map 1.1


F. Pertumbuhan Incurred Claim Yang dimaksud dengan “Incurred claim” adalah klaim dibayar ditambah dengan klaim yang masih dalam proses. Di Tahun 2010 ini pembayaran klaim atas peristiwa gempa bumi di pariaman yang terjadi pada tanggal 30 September 2009 masih terus berlangsung. Gempa bumi dengan skala 7,9 richter yang berpusat 57 kilometer barat daya kota pariaman ini tidak hanya menimbulkan korban jiwa, namun juga kerugian ekonomis yang sangat besar. Klaim yang terjadi dari kejadian gempa Pariaman yang disebabkan oleh tumbukan patahan dekat subduksi antara lempeng Australia dan lempeng Sunda ini pun terus meningkat. Jika per tanggal 31 Desember 2009 klaim yang terjadi berjumlah Rp. 835,38 milliar, maka per tanggal 31 Desember 2010 meningkat hampir dua kali lipat menjadi sebesar Rp. 1.431,45 milliar. Jika melihat tingkat kerugian yang ditimbulkan terhadap risiko asuransi sejak PT. Asuransi Maipark Indonesia terbentuk hingga tahun 2010 ini, klaim gempa Pariaman ini adalah yang terbesar. Berdasarkan catatan per 31 Desember 2010, kerugian asuransi akibat gempa dan tsunami Aceh 26 Desember 2004 hanyalah sebesar Rp. 612,28 milliar. Diikuti oleh gempa Yogyakarta, 27 Mei 2006, sebesar Rp.326,38 Milliar. Jumlah kerugian ekonomi gempa pariaman, seperti yang dilaporkan oleh wakil gubernur Sumatera Barat berdasarkan verifikasi final adalah sebesar Rp. 21.580 milliar. Hal ini berarti, industri asuransi memberikan kontribusi atas pemulihan ekonomi akibat gempa sebesar 6,67%. Sedangkan kontribusi asuransi gempa terhadap pendapatan regional bruto diprovinsi ini hanya 0,023%. Rasio ini menunjukkan bahwasannya asuransi merupakan alternative

F. Growth of Incurred Claim What is meant by “Claim incurred” is claim paid plus claim outstanding which is still in process. In this 2010, the claim payment for Pariaman Earthquake on September 30 2009 still continues. The 7.9 richter earthquake with epicentrum of 57 kilometres South West of Pariaman, caused big loss on both life and economy sectors. Incurred claim of Pariaman earthquake that occurred as a result of oblige – trust faulting near the subduction interface plate boundary between the Australian and Sunda plates, increased. The incurred claim as at December 31 2009 is Rp. 835,38 billions and increased almost twice to Rp. 1.431,45 billions on December 31 2010. Insured loss of Pariaman earthquake is the highest since PT. Asuransi Maipark Indonesia firstly operated. As at December 31 2010, the insured loss of Aceh earthquake and tsunami on 26 December 2004 is only Rp. 612 billions. Then, Yogyakarta earthquake on 27 May 2006 caused insured loss of Rp. 326,68 billions. Economic loss of Pariaman earthquake, as reported on final verification report by deputy governor of West Sumatera told that economic loss is Rp. 21.580 billions. It means, that earthquake insurance contributes 6,67% of economic recovery. While, earthquake insurance penetration in this province is only 0,023%. This ratio tells us that insurance is good risk transfer alternative of disasters risk management.


transfer risiko yang baik dalam manajemen risiko bencana Kerugian terbesar akibat gempa yang juga dirasakan getarannya hingga Malaysia dan Singapura ini, dialami oleh okupasi komersial dengan jumlah kerugian yang dilaporkan sebesar Rp. 1.262,69 milliar, atau 88% dari total klaim yang terjadi. Diikuti oleh okupasi residensial sebesar Rp. 83,87 milliar, okupasi Industri sebesar Rp. 80,74 miliar. Sementara, kerugian di okupasi agrikultural sebesar Rp. 4,16 milliar. Grafik dibawah ini menunjukkan tingkat kerugian yang dialami oleh okupasi akibat gempa tersebut. Besarnya kerugian yang diderita akibat gempa ini, berpengaruh sangat besar terhadap rasio klaim terhadap premi bruto untuk tahun underwriting 2008 dan 2009. Per 31 Desember 2010, tingkat rasio klaim untuk tahun underwriting 2008 adalah 24%. Sedangkan tingkat rasio klaim untuk tahun underwriting 2009 adalah sebesar 59% Indonesia yang secara tektonis tidak stabil, dan dilalui oleh rangkaian gunung aktif didunia, cincin api pacific, dimana lempeng Indo-Australia dan lempeng pacific menghujam dibawah lempeng Eurasia menyebabkan Indonesia sangat rawan bencana. Gempa bumi, tsunami, letusan gunung berapi dan bencana alam lainnya silih berganti

The biggest loss from Pariaman earthquake with tremors felt in Malaysia and Singapore, occurred on commercial occupation, with the amount of incurred claim of Rp. 1.262,69 billions or 88% of total damages. It is followed by residential occupation that suffered Rp. 83,87 billions. Reported damages for Industrial occupation is Rp. 80,74 billions. While agricultural suffered only Rp. 4,16 billions. The Graphic below shows level of loss for occupation due to Pariaman earthquake. The High amount of damages caused by this earthquake gives impacts to loss ratio of underwriting year 2008 and 2009. As at 31 Desember 2010, the claim ratio for underwriting year 2008 become 24% while claim ratio for underwriting year 2009 is 59%. Tectonically, Indonesia is highly unstable. It lies on Pacific Rings of Fire, a series of world active volcanoes, where the Australian Plate and the Pacific Plate are pushed under the Eurasia Plate which causes Indonesia extremely vulnerable to natural catastrophe. Earthquake, tsunami, volcanic eruption, and other natural disasters hit

Incurred Claim - Gempa Pariaman 30 September 2009 Incurred Claim - Pariaman Earthquake 30 September 2009


( Dalam Milliar Rupiah / In Billion Rupiah )


menghantam negara ini setiap tahunnya. Tidak terkecuali di tahun 2010 ini. Setelah kejadian berbagai bencana besar yang menimpa Indonesia seperti Tsunami Aceh 26 Desember 2004, Gempa Yogyakarta 27 Mei 2006, dan Gempa Pariaman 30 September 2009. Di tahun 2010, Indonesia dikejutkan oleh berbagai letusan gunung api. Pada 26 Oktober 2010, Gunung Merapi yang terletak di utara kota Yogyakarta ini meletus dan menyemburkan awan panas hingga mencapai ketinggian 1,5 kilometer. Menurut catatan, letusan ini adalah letusan Merapi terbesar kedua dalam 100 tahun terakhir. Letusan gunung berapi termuda dalam kumpulan gunung berapi di bagian selatan pulau jawa ini menyebabkan kerugian korban jiwa dan material yang sangat besar. Pada tahun ini juga, beberapa gunung api di Indonesia menunjukan geliatnya. Gunung Sinabung di provinsi Sumatera Utara yang meletus pada tanggal 29 Agustus 2010, serta Gunung Bromo tanggal 26 November 2010. Selain berbagai letusan gunung api, Indonesia juga dilanda oleh beberapa kejadian gempa dan tsunami. Tabel dan peta dibawah ini, menyajikan beberapa kejadian bencana alam 2010 yang dilaporkan sampai dengan tanggal 31 Desember 2010.

Indonesia every year and it continues. No exception for this 2010. After major disasters hit Indonesia, such as: Aceh Tsunami on December 26, 2004, Yogyakarta Earthquake May 27, 2006 and Pariaman Earthquake September 30, 2009, Indonesia was again shocked by volcanoes eruptions in 2010. On October 26, 2010, Mount Merapi, located on north of Yogyakarta, erupted, exploded eruptive columns that reach up to 1,5 kilometres. This merapi eruption 2010 is the second biggest eruption of Merapi within the last 100 Years. The eruption of Merapi, the youngest volcano in a group of volcanoes in southern java, caused fatalities and high material damages. During this 2010, some of volcanoes in Indonesia also erupted. Sinabung, at North Sumatera province, erupted on August 29, 2010, while Bromo erupted on November 26, 2010. Besides volcanoes eruptions, Indonesia also experienced other disasters, like tsunamis and earthquakes. This following table and map show reported disasters during 2010, as reported until December 31, 2010.

Tanggal Peristiwa Kerugian ( Dalam Rupiah )

Nama / Name Jenis / Type Date of Occurance Loss ( In Rupiah )

Bali Earthquake 12-Feb-10 1,200,000,000

Sinabang Earthquake 7-Apr-10 570,000,000

Ketahun Earthquake 5-May-10 27,119,820

Banda Aceh Earthquake 9-May-10 55,000,000

Biak Earthquake 16-Jun-10 16,209,801,208

Panyabungan Earthquake 24-Jul-10 17,388,400

Sukabumi Earthquake 12-Aug-10 7,100,800

Bantul Earthquake 22-Aug-10 20,000,000

Merapi Volcano Eruption 26-Oct-10 2,500,000,000

Merapi Volcano Eruption 5-Nov-10 11,800,000,000

Makasar Earthquake 12-Dec-10 1,400,000,000

Kejadian / Event

Incurred Claim 2010 Incurred Claim 2010



Peta 1.2 / Map 1.2


Tabel dibawah ini menyajikan pertumbuhan klaim dari semua event 2004 – 2010.

This following table shows claim development for all claim events during period of 2004 – 2010.

Tanggal Peristiwa

Nama Jenis

Name Type 2008 2009 2010

Bali Earthquake 2-Jan-04 4,070,000

Padang Earthquake 16-Feb-04 12,402,600 12,402,600 12,402,600

Nabire Earthquake 26-Nov-04 3,299,345,206 3,299,345,206 3,299,345,206

Aceh Earthquake 26-Dec-04 612,226,619,221 612,531,185,533 612,287,806,833

Cilegon Earthquake 15-Jan-05 780,267,740 816,431,678 816,431,678

Ambon Earthquake 2-Mar-05 348,125,037 348,125,037 348,125,037

Nias Earthquake 28-Mar-05 2,608,811,120 1,149,513,632 1,149,513,632

Padang Earthquake 10-Apr-05 1,399,712,953 1,412,272,780 1,371,818,426

Sibolga Earthquake 95,000,000

TBA Earthquake 800,000,000

Tanjung Karang Earthquake 12-May-06 33,575,300 33,575,300 33,575,300

Sibolga Earthquake 19-May-06 7,612,000 7,612,000

Yogyakarta Earthquake 27-May-06 255,920,900,053 336,432,968,532 326,381,385,819

Pangandaran Earthquake 17-Jul-06 2,418,989,460 2,428,124,860 2,428,124,860

Jakarta Earthquake 19-Jul-06 257,918,125 242,903,125 242,903,125

Wonosari Earthquake 22-Sep-06 97,589,358 97,589,358 97,589,358

Pandeglang Earthquake 24-Dec-06 16,477,760 16,477,760 16,477,760

Manado Earthquake 21-Jan-07 428,830,661 503,894,784 503,894,784

Padang Earthquake 6-Mar-07 47,672,720,251 44,471,563,444 43,776,563,444

Bukittingggi Earthquake 13-Mar-07 22,500,000 22,500,000 22,500,000

Cipanas Earthquake 27-Jul-07 36,699,006 36,699,006

Jakarta Earthquake 9-Aug-07 5,641,754,146 5,729,674,675 5,715,216,495

Carita Earthquake 10-Aug-07 14,271,971 14,271,971 14,271,971

Jakarta Earthquake 26-Aug-07 30,587,366 30,587,366

Bengkulu Earthquake 12-Sep-07 75,203,058,711 60,321,833,456 60,211,833,456

Denpasar Earthquake 8-Oct-07 32,543,000 82,035,138 82,035,138

Painan Earthquake 24-Oct-07 12,906,700 12,906,700 12,906,700

Dompu Earthquake 25-Nov-07 15,000,000 4,090,000 4,090,000

Manokwari Earthquake 7-Jan-08 1,922,050,000 1,073,890,300 1,073,890,300

Painan Earthquake 25-Feb-08 2,511,494,000 503,923,036 503,923,036

Benkulu Earthquake 3-Apr-08 50,000,000 50,000,000 50,000,000

Padang Earthquake 28-Jul-08 55,416,667 44,535,354 51,510,354

Pekat Earthquake 7-Aug-08 10,475,000,000 15,863,721,995 15,863,721,995

Padang Earthquake 8-Aug-08 57,192,354 57,192,354

Rababima Earthquake 28-Aug-08 450,000,000 358,349,490 358,349,490

Lahat Earthquake 9-Sep-08 974,500 974,500

Sukabumi Earthquake 10-Oct-08 115,000,000 115,000,000

Bandung Earthquake 11-Oct-08 15,000,000

Gorontalo Earthquake 17-Nov-08 821,873,750 559,100,686 705,152,986

Aceh Earthquake 21-Dec-08 53,980,575 53,980,575

Manokwari Earthquake 4-Jan-09 2,952,454,937 3,952,454,937

TBA Earthquake 26-Jan-09 9,108,276,500

TBA Earthquake 10-Feb-09 50,989,097

Palu Earthquake 2-Mar-09 2,800,000 2,800,000

Padang Earthquake 16-Apr-09 226,140,075 226,140,075

TBA Earthquake 8-May-09 3,962,602,100

Padang Earthquake 16-Aug-09 51,125,960,170 51,155,265,490

Tasikmalaya Earthquake 2-Sep-09 47,928,196,253 55,703,928,677

Nusa Dua Earthquake 19-Sep-09 921,078,296 1,138,978,532

Pariaman Earthquake 30-Sep-09 835,328,242,563 1,431,479,899,526

Kepahyang Earthquake 1-Oct-09 259,440,505 260,440,505

TBA Earthquake 9-Oct-09 101,000,000

Manokwari Earthquake 15-Oct-09 600,000,000

Ujung Kulon Earthquake 16-Oct-09 119,586,208 119,586,208

Bima Earthquake 9-Nov-09 30,610,000,000 31,362,616,361

Bali Earthquake 12-Feb-10 1,200,000,000

Sinabang Earthquake 7-Apr-10 570,000,000

Ketahun Earthquake 5-May-10 27,119,820

Banda Aceh Earthquake 9-May-10 55,000,000

Biak Earthquake 16-Jun-10 16,209,801,208

Panyabungan Earthquake 24-Jul-10 17,388,400

Sukabumi Earthquake 12-Aug-10 7,100,800

Bantul Earthquake 22-Aug-10 20,000,000

Merapi Volcano Eruption 26-Oct-10 2,500,000,000

Merapi Volcano Eruption 5-Nov-10 11,800,000,000

Makasar Earthquake 12-Dec-10 1,400,000,000

1,025,649,223,788.76 2,058,213,151,237.79 2,700,783,793,818.79

Kejadian / Event

Per 31 Desember /As At 31 December

Klaim Reported / Claim Reported

Date of

Occurance

Pertumbuhan Incurred Claim Semua Kejadian 2004 - 2010 Earthquake Insurance Incurred Claim All Event 2004 - 2010



Peta 1.3 / Map 1.3


Table 2.1

In IDR

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

Banda Aceh 1.1 22,569,166,868,822.40 21,829,158,219,442.10 1,316,654,427,752.43 6,918,054,375,669.51 1,891,802,623,855.12

Medan 1.2 37,617,330,236,896.20 41,491,911,173,743.50 41,242,278,590,555.50 46,762,810,351,084.70 54,780,012,246,531.30

Others 1.3 20,678,831,468,324.10 19,207,622,907,380.10 14,381,585,861,026.80 24,487,220,594,367.70 34,918,365,296,264.00

North Sumatera 1 80,865,328,574,042.70 5% 82,528,692,300,565.70 5% 56,940,518,879,334.70 4% 78,168,085,321,121.90 5% 91,590,180,166,650.50 7%

Padang 2.1 5,204,356,222,372.86 4,580,414,817,559.37 11,695,100,913,800.70 8,388,217,714,700.40 7,010,896,461,782.33

Palembang 2.2 31,833,164,966,942.80 29,779,872,114,681.10 10,210,882,485,514.90 13,447,474,256,560.00 6,560,167,368,263.47

Others 2.3 165,552,630,128,523.00 131,307,350,669,547.00 154,822,444,406,968.00 152,072,062,476,687.00 92,073,305,350,459.80

South Sumatera 2 202,590,151,317,839.00 14% 165,667,637,601,787.00 11% 176,728,427,806,284.00 12% 173,907,754,447,947.00 10% 105,644,369,180,506.00 8%

DKI Jakarta 3.1 274,161,659,847,955.00 275,343,199,166,791.00 314,385,171,889,182.00 354,312,201,982,196.00 219,027,286,131,717.00

Bandung 3.2 38,825,942,829,338.50 36,120,867,311,771.20 37,696,748,887,597.70 8,096,875,808,065.80 4,203,820,367,943.81

Others 3.3 374,265,624,404,141.00 390,367,676,604,497.00 385,740,243,794,205.00 526,689,503,499,524.00 425,005,164,490,209.00

DKI & West Java 3 687,253,227,081,434.00 46% 701,831,743,083,059.00 47% 737,822,164,570,985.00 49% 889,098,581,289,786.00 54% 648,236,270,989,869.00 52%

Semarang 4.1 27,347,975,195,289.10 28,875,681,020,654.90 23,849,765,107,869.80 1,725,656,048,800.53 2,301,357,216,256.54

Yogyakarta 4.2 4,167,322,871,015.10 6,170,401,171,092.21 9,726,790,176,660.02 10,187,373,979,500.40 8,799,257,353,869.84

Others 4.3 96,711,484,252,553.40 91,083,142,188,995.80 61,930,900,105,091.90 88,961,561,212,763.70 65,951,759,645,443.20

DIY & Central Java 4 128,226,782,318,858.00 9% 126,129,224,380,743.00 8% 95,507,455,389,621.70 6% 100,874,591,241,065.00 6% 77,052,374,215,569.60 6%

Surabaya 5.1 39,675,983,693,005.90 41,285,092,336,967.50 55,994,755,461,373.70 64,459,368,917,992.40 44,472,126,917,123.30

Others 5.2 170,639,788,931,756.00 192,692,923,378,552.00 184,875,899,782,467.00 171,289,135,997,750.00 149,971,052,030,810.00

East Java 5 210,315,772,624,762.00 14% 233,978,015,715,519.00 16% 240,870,655,243,840.00 16% 235,748,504,915,742.00 14% 194,443,178,947,933.00 15%

Kalimantan 6 156,807,222,166,788.00 10% 137,011,523,055,774.00 9% 89,137,704,230,467.40 6% 81,782,029,915,131.90 5% 65,165,468,462,919.10 5%

Ujung Pandang 7.1 10,208,912,367,067.80 13,980,868,660,858.50 12,113,850,194,870.70 15,803,968,361,389.80 5,854,102,166,121.34

Others 7.2 43,973,696,185,745.10 40,389,885,457,778.20 43,567,528,689,738.40 34,674,753,853,512.60 32,376,976,117,005.40

Sulawesi 7 54,182,608,552,812.90 4% 54,370,754,118,636.70 4% 55,681,378,884,609.10 4% 50,478,722,214,902.40 3% 38,231,078,283,126.70 3%

Other Island 8 36,466,817,377,761.50 2% 43,662,140,771,668.80 3% 45,782,682,572,043.30 3% 51,715,917,477,664.20 3% 37,509,531,688,457.80 3%

1,556,707,910,014,300.00 104% 1,545,179,731,027,750.00 103% 1,498,470,987,577,180.00 100% 1,661,774,186,823,360.00 100% 1,257,872,451,935,030.00 100%

NATIONAL AGGREGATE EXPOSURES BY CRESTA ZONE

As At 31 December 2010

UY 2006 - 2010

U/Y 2009

T O T A L

U/Y 2008U/Y 2006 U/Y 2007 U/Y 2010CRESTA ZONE


Table 2.2

In IDR

Description U/Y 2006 In % U/Y 2007 In % U/Y 2008 In % U/Y 2009 In % U/Y 2010 In %

Agricultural 9,824,395,951,772.66 1% 10,211,819,020,041.90 1% 16,530,290,636,233.00 1% 16,716,518,222,791.10 1% 8,505,793,360,384.54 1%

Commercial 349,836,538,493,760.00 22% 315,676,977,993,541.00 20% 367,011,211,280,730.00 24% 386,202,430,066,016.00 23% 238,736,981,765,107.00 19%

Industrial 1,136,894,743,473,160.00 73% 1,101,360,937,344,200.00 71% 955,167,321,541,285.00 64% 1,045,445,439,419,610.00 63% 858,545,357,028,181.00 68%

Residential 60,152,232,095,605.40 4% 117,929,996,669,970.00 8% 159,762,164,118,938.00 11% 213,409,799,114,943.00 13% 152,084,319,781,360.00 12%

TOTAL 1,556,707,910,014,300.00 1,545,179,731,027,750.00 1,498,470,987,577,190.00 1,661,774,186,823,360.00 1,257,872,451,935,030.00

NATIONAL AGGREGATE EXPOSURES PER UNDERWRITING YEAR BY OCCUPATION



Grafik 2.2


Table 2.3

In IDR

Description U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010

Building 755,115,600,308,734.00 750,839,216,367,530.00 617,063,576,693,248.00 774,031,679,987,706.00 493,561,223,915,998.00

Machinery 288,081,956,156,341.00 284,630,996,158,403.00 261,865,564,900,676.00 305,257,435,578,655.00 290,286,661,866,800.00

Stock 113,244,933,737,820.00 135,132,101,031,623.00 167,284,427,432,798.00 188,158,164,042,138.00 138,216,293,515,115.00

Others 269,165,148,284,513.00 258,372,153,898,651.00 308,320,218,663,630.00 228,457,623,098,487.00 13,496,187,723,501.60

SUB TOTAL 1,425,607,638,487,410.00 1,428,974,467,456,210.00 1,354,533,787,690,350.00 1,495,904,902,706,990.00 935,560,367,021,415.00

Business Interruption 131,100,271,526,892.00 116,205,263,571,546.00 143,937,199,886,834.00 165,869,284,116,375.00 322,312,084,913,617.00

T O T A L 1,556,707,910,014,300.00 1,545,179,731,027,750.00 1,498,470,987,577,190.00 1,661,774,186,823,360.00 1,257,872,451,935,030.00

NATIONAL AGGREGATE EXPOSURES BY INTEREST



Grafik 2.3


In IDR


1 Nanggroe Aceh Darussalam 23,226,734,428,292.60 1.5% 25,067,606,616,830.60 1.6% 4,775,381,713,880.33 0.3% 9,108,792,040,652.71 0.5% 10,821,627,048,970.20 0.9%

2 Sumatera Utara 57,638,594,145,750.10 3.7% 57,461,085,683,735.10 3.7% 52,165,137,165,454.40 3.5% 69,059,293,280,469.20 4.2% 80,768,553,117,680.40 6.4%

3 Sumatera Barat 11,898,934,066,304.20 0.8% 9,159,332,879,094.17 0.6% 17,053,948,628,949.30 1.1% 14,087,165,268,234.10 0.8% 12,092,836,055,137.00 1.0%

4 Riau 106,499,702,152,902.00 6.8% 70,170,739,998,165.20 4.5% 73,765,720,438,904.60 4.9% 43,649,530,670,496.50 2.6% 23,242,642,501,662.20 1.8%

5 Jambi 4,361,075,089,513.17 0.3% 3,654,737,611,775.51 0.2% 4,526,903,777,688.44 0.3% 30,896,447,158,505.60 1.9% 3,208,538,432,326.63 0.3%

6 Sumatera Selatan 50,246,067,601,203.30 3.2% 46,664,007,286,698.40 3.0% 30,057,458,689,750.50 2.0% 32,658,833,149,880.30 2.0% 23,451,600,109,437.10 1.9%

7 Bengkulu 1,090,893,435,086.82 0.1% 2,102,252,187,446.85 0.1% 2,903,347,800,341.90 0.2% 3,070,867,858,654.51 0.2% 2,259,277,989,554.97 0.2%

8 Lampung 14,985,137,112,795.40 1.0% 17,802,501,635,466.50 1.2% 30,019,440,037,886.20 2.0% 28,151,691,053,966.80 1.7% 22,463,858,951,963.80 1.8%

9 Kepulauan Bangka Belitung 926,110,341,839.00 0.1% 386,365,035,378.09 0.0% 2,482,014,225,997.76 0.2% 4,000,991,490,873.36 0.2% 1,320,488,241,757.04 0.1%

10 Kepulauan Riau 12,582,231,518,194.90 0.8% 15,727,700,967,762.40 1.0% 15,919,594,206,765.00 1.1% 17,392,227,797,336.20 1.0% 17,605,126,898,666.90 1.4%

11 DKI Jakarta 274,161,659,847,955.00 17.6% 275,343,199,166,791.00 17.8% 314,385,171,889,182.00 21.0% 354,312,201,982,196.00 21.3% 219,027,286,131,717.00 17.4%

12 Jawa Barat 257,197,851,897,652.00 16.5% 277,460,313,671,424.00 18.0% 266,981,530,229,650.00 17.8% 350,207,690,127,578.00 21.1% 244,107,219,731,849.00 19.4%

13 Jawa Tengah 123,694,188,528,678.00 7.9% 119,494,459,409,153.00 7.7% 84,787,088,913,175.60 5.7% 89,525,091,245,544.90 5.4% 67,150,018,156,508.20 5.3%

14 DI. Yogyakarta 4,532,593,790,180.10 0.3% 6,634,764,971,590.11 0.4% 10,720,366,476,445.80 0.7% 11,349,499,995,519.70 0.7% 9,902,356,059,061.34 0.8%

15 Jawa Timur 210,315,772,624,762.00 13.5% 233,978,015,715,519.00 15.1% 240,870,655,243,840.00 16.1% 235,748,504,915,742.00 14.2% 194,443,178,947,933.00 15.5%

16 Banten 155,893,715,335,827.00 10.0% 149,028,230,244,844.00 9.6% 156,455,462,452,153.00 10.4% 184,578,689,180,011.00 11.1% 185,101,765,126,304.00 14.7%

17 Bali 23,089,121,880,416.20 1.5% 26,216,804,932,687.90 1.7% 35,336,165,100,081.90 2.4% 43,198,744,233,608.60 2.6% 30,622,409,895,444.90 2.4%

18 Kalimantan Barat 1,757,378,625,658.14 0.1% 1,886,808,745,799.60 0.1% 2,942,734,748,315.40 0.2% 4,144,474,024,689.69 0.2% 2,584,879,467,102.54 0.2%

19 Kalimantan Tengah 2,836,774,431,459.73 0.2% 2,795,532,471,716.80 0.2% 3,399,965,007,227.69 0.2% 5,118,851,373,921.43 0.3% 4,438,973,452,703.50 0.4%

20 Kalimantan Selatan 16,308,099,787,018.70 1.0% 21,221,553,552,853.30 1.4% 34,654,652,936,264.30 2.3% 22,670,973,901,181.60 1.4% 13,101,042,340,038.20 1.0%

21 Kalimantan Timur 135,904,969,322,652.00 8.7% 111,107,628,285,404.00 7.2% 48,140,351,538,660.00 3.2% 49,847,730,615,339.10 3.0% 45,040,573,203,074.80 3.6%

22 Sulawesi Utara 4,026,103,503,694.15 0.3% 4,399,870,047,396.53 0.3% 4,725,608,452,572.56 0.3% 7,351,890,628,929.75 0.4% 4,960,165,658,102.92 0.4%

23 Sulawesi Tengah 928,176,570,842.90 0.1% 1,407,884,361,433.30 0.1% 1,497,348,558,378.24 0.1% 1,360,609,961,354.86 0.1% 894,770,661,471.07 0.1%

24 Sulawesi Selatan 14,738,427,907,019.00 0.9% 19,270,040,117,111.90 1.2% 18,340,658,610,422.00 1.2% 22,136,397,054,804.80 1.3% 11,911,611,985,751.70 0.9%

25 Sulawesi Tenggara 34,028,952,283,149.30 2.2% 28,723,282,026,764.90 1.9% 30,380,440,277,099.40 2.0% 8,216,594,211,086.21 0.5% 8,368,040,895,599.06 0.7%

26 Gorontalo 415,220,424,998.50 0.0% 487,995,231,646.13 0.0% 608,002,629,532.02 0.0% 10,841,736,749,993.80 0.7% 11,435,069,590,236.90 0.9%

27 Sulawesi Barat 45,727,863,109.00 0.0% 81,682,334,284.00 0.0% 129,320,356,605.00 0.0% 571,493,608,733.00 0.0% 661,419,491,965.00 0.1%

28 Nusa Tenggara Barat 1,693,611,297,811.70 0.1% 3,118,727,846,608.99 0.2% 2,295,971,496,998.31 0.2% 2,376,215,918,480.31 0.1% 1,953,906,155,466.02 0.2%

29 Nusa Tenggara Timur 574,900,145,640.14 0.0% 471,547,382,594.06 0.0% 622,671,480,322.11 0.0% 745,902,571,907.34 0.0% 648,809,262,105.34 0.1%

30 Maluku 846,941,478,263.00 0.1% 427,742,017,694.67 0.0% 402,665,793,048.87 0.0% 700,840,472,836.88 0.0% 751,409,869,387.00 0.1%

31 Maluku Utara 46,800,369,415.00 0.0% 609,678,938,829.00 0.0% 547,119,371,532.62 0.0% 451,545,647,594.64 0.0% 241,368,119,544.00 0.0%

32 Papua Barat 923,962,125,328.00 0.1% 973,745,512,641.27 0.1% 1,160,235,542,980.17 0.1% 1,296,482,577,033.31 0.1% 1,172,439,688,725.35 0.1%

33 Papua 9,291,480,080,887.44 0.6% 11,843,894,140,612.90 0.8% 5,417,853,787,079.27 0.4% 2,946,186,056,203.18 0.2% 2,119,188,697,785.20 0.2%

1,556,707,910,014,300.00 1,545,179,731,027,750.00 1,498,470,987,577,180.00 1,661,774,186,823,360.00 1,257,872,451,935,030.00

NATIONAL AGGREGATE EXPOSURES PER PROVINCE


UY 2006 - 2010

U/Y 2009

T O T A L

U/Y 2008U/Y 2006 U/Y 2007 U/Y 2010

Table 2.4

PROVINCE


Table 3.1

In IDR


Banda Aceh 1.1 26,047,359,397.62 25,909,471,411.99 1,633,212,227.91 8,336,561,357.51 3,252,594,705.47

Medan 1.2 43,648,822,691.12 49,465,526,367.17 49,482,479,802.54 53,580,908,151.83 65,478,547,293.14

Others 1.3 23,629,609,941.53 20,624,825,330.57 17,511,168,152.87 27,470,992,034.68 44,242,571,769.80

North Sumatera 1 93,325,792,030.27 5% 95,999,823,109.74 5% 68,626,860,183.32 4% 89,388,461,544.02 5% 112,973,713,768.41 7%

Padang 2.1 5,903,395,513.79 5,045,436,716.31 14,188,136,851.25 10,758,847,004.32 11,402,263,903.85

Palembang 2.2 34,182,503,272.76 31,921,437,867.05 11,887,897,015.44 14,780,641,985.75 6,435,991,581.70

Others 2.3 165,105,818,473.32 142,310,247,751.80 191,800,914,429.37 164,969,175,993.51 105,636,123,014.07

South Sumatera 2 205,191,717,259.88 12% 179,277,122,335.16 10% 217,876,948,296.06 11% 190,508,664,983.57 10% 123,474,378,499.62 8%

DKI Jakarta 3.1 333,909,353,813.49 353,232,753,109.18 427,031,595,466.45 449,633,756,079.07 304,815,790,588.92

Bandung 3.2 45,003,062,272.65 46,239,210,283.49 49,306,236,246.55 10,206,208,333.13 6,199,686,624.08

Others 3.3 411,175,670,951.16 454,097,781,098.80 482,677,295,487.04 605,861,641,695.78 578,342,112,283.32

DKI & West Java 3 790,088,087,037.30 45% 853,569,744,491.47 46% 959,015,127,200.04 50% 1,065,701,606,107.98 55% 889,357,589,496.32 55%

Semarang 4.1 32,153,181,220.06 38,567,608,291.06 29,638,965,669.74 1,919,961,083.94 2,726,662,548.14

Yogyakarta 4.2 5,275,191,705.59 6,196,237,040.52 11,174,483,923.11 13,378,623,995.01 12,056,113,607.10

Others 4.3 111,808,136,692.16 109,214,426,456.68 98,710,889,428.68 98,960,782,914.63 79,810,911,478.33

DIY & Central Java 4 149,236,509,617.80 8% 153,978,271,788.26 8% 139,524,339,021.54 7% 114,259,367,993.58 6% 94,593,687,633.57 6%

Surabaya 5.1 46,330,550,864.71 51,611,466,765.55 66,520,598,249.89 77,663,819,083.90 54,240,738,987.95

Others 5.2 199,962,617,006.28 238,681,318,292.45 239,049,694,352.77 195,878,256,089.67 175,946,029,010.04

East Java 5 246,293,167,870.99 14% 290,292,785,058.00 16% 305,570,292,602.66 16% 273,542,075,173.57 14% 230,186,767,997.99 14%

Kalimantan 6 182,645,063,013.32 10% 164,606,620,492.50 9% 110,130,938,923.04 6% 87,631,548,326.48 4% 75,558,884,269.61 5%

Ujung Pandang 7.1 12,031,171,689.84 17,076,590,754.78 16,842,835,487.95 18,232,557,451.13 6,169,779,809.90

Others 7.2 47,684,729,369.40 48,178,670,018.59 52,376,791,425.48 45,206,683,196.60 43,201,382,115.30

Sulawesi 7 59,715,901,059.24 3% 65,255,260,773.37 4% 69,219,626,913.43 4% 63,439,240,647.73 3% 49,371,161,925.20 3%

Other Island 8 43,751,946,808.97 2% 55,524,373,105.83 3% 60,085,621,839.87 3% 63,462,904,932.85 3% 51,107,824,682.96 3%

1,770,248,184,697.77 100% 1,858,504,001,154.33 100% 1,930,049,754,979.95 100% 1,947,933,869,709.78 100% 1,626,624,008,273.67 100%T O T A L

CRESTA ZONEU/Y 2010

NATIONAL GROSS PREMIUM INCOME


U/Y 2008U/Y 2006 U/Y 2007 U/Y 2009


Table 3.2

In IDR


Agricultural 10,310,523,892.56 0.58% 9,952,239,151.16 0.54% 17,853,970,313.00 0.93% 17,316,919,730.12 0.89% 9,947,361,525.15 0.61%

Commercial 428,774,412,408.44 24.22% 394,319,911,125.26 21.22% 458,875,278,109.59 23.78% 468,261,708,743.50 24.04% 314,519,779,670.84 19.34%

Industrial 1,253,016,048,079.87 70.78% 1,301,759,798,952.27 70.04% 1,237,315,514,367.06 64.11% 1,183,761,533,739.69 60.77% 1,090,477,667,083.23 67.04%

Residential 78,147,200,316.90 4.41% 152,472,051,925.65 8.20% 216,004,992,190.32 11.19% 278,593,707,496.46 14.30% 211,679,199,994.45 13.01%

TOTAL 1,770,248,184,697.77 100.00% 1,858,504,001,154.34 100.00% 1,930,049,754,979.96 100.00% 1,947,933,869,709.77 100.00% 1,626,624,008,273.68 100.00%

NATIONAL GROSS PREMIUM INCOME BY OCCUPATION



Grafik 3.2


In IDR


1 Nanggroe Aceh Darussalam 26,797,305,865 1.51% 28,766,132,771 1.55% 6,284,555,330 0.33% 9,523,150,176 0.49% 13,787,406,619 0.85%

2 Sumatera Utara 66,528,486,166 3.76% 67,233,690,339 3.62% 62,342,304,854 3.23% 79,865,311,368 4.10% 99,186,307,149 6.10%

3 Sumatera Barat 13,121,728,330 0.74% 10,456,938,700 0.56% 20,578,637,600 1.07% 17,843,589,383 0.92% 19,371,814,521 1.19%

4 Riau 103,014,127,964 5.82% 73,555,875,638 3.96% 94,742,815,513 4.91% 44,411,669,817 2.28% 25,527,922,274 1.57%

5 Jambi 4,451,887,149 0.25% 4,062,470,579 0.22% 5,024,001,413 0.26% 33,238,046,119 1.71% 3,154,789,784 0.19%

6 Sumatera Selatan 54,983,393,591 3.11% 51,469,895,695 2.77% 35,475,006,932 1.84% 37,426,958,534 1.92% 26,716,875,250 1.64%

7 Bengkulu 1,243,033,617 0.07% 2,371,733,996 0.13% 6,069,043,956 0.31% 5,465,170,718 0.28% 4,486,104,346 0.28%

8 Lampung 15,867,158,544 0.90% 20,422,833,882 1.10% 35,128,549,440 1.82% 30,701,999,510 1.58% 28,992,109,043 1.78%

9 Kepulauan Bangka Belitung 678,063,868 0.04% 473,816,312 0.03% 3,339,985,692 0.17% 4,231,379,821 0.22% 1,260,898,003 0.08%

10 Kepulauan Riau 11,832,324,198 0.67% 16,463,557,533 0.89% 17,518,907,751 0.91% 17,189,851,081 0.88% 13,963,865,280 0.86%

11 DKI Jakarta 333,909,353,813 18.86% 353,232,753,109 19.01% 427,031,595,466 22.13% 449,633,756,079 23.08% 304,815,790,589 18.74%

12 Jawa Barat 285,327,303,419 16.12% 326,321,800,081 17.56% 337,069,150,173 17.46% 399,063,745,609 20.49% 321,467,579,005 19.76%

13 Jawa Tengah 143,560,326,375 8.11% 147,233,545,766 7.92% 126,933,736,297 6.58% 99,503,324,248 5.11% 81,030,201,246 4.98%

14 DI. Yogyakarta 5,676,183,242 0.32% 6,744,726,022 0.36% 12,590,602,724 0.65% 14,756,043,746 0.76% 13,563,486,387 0.83%

15 Jawa Timur 246,293,167,871 13.91% 290,292,785,058 15.62% 305,570,292,603 15.83% 273,542,075,174 14.04% 230,186,767,998 14.15%

16 Banten 170,851,429,804 9.65% 174,015,191,301 9.36% 194,914,381,561 10.10% 217,004,104,420 11.14% 263,074,219,903 16.17%

17 Bali 27,034,283,739 1.53% 33,225,595,154 1.79% 47,325,927,080 2.45% 53,092,930,676 2.73% 41,227,512,122 2.53%

18 Kalimantan Barat 1,654,555,517 0.09% 1,815,776,261 0.10% 3,267,491,343 0.17% 4,165,467,444 0.21% 2,218,351,986 0.14%

19 Kalimantan Tengah 19,094,558,775 1.08% 25,171,350,957 1.35% 45,855,519,607 2.38% 24,416,844,776 1.25% 12,779,467,839 0.79%

20 Kalimantan Selatan 2,777,407,404 0.16% 2,776,692,803 0.15% 3,601,507,355 0.19% 5,438,352,968 0.28% 3,783,872,862 0.23%

21 Kalimantan Timur 159,118,541,317 8.99% 134,842,800,472 7.26% 57,406,420,618 2.97% 53,610,883,138 2.75% 56,777,191,583 3.49%

22 Sulawesi Utara 4,156,300,551 0.23% 5,212,146,274 0.28% 5,830,623,837 0.30% 10,734,766,959 0.55% 8,080,129,980 0.50%

23 Sulawesi Tengah 1,003,521,113 0.06% 1,572,492,218 0.08% 1,836,516,146 0.10% 1,550,799,069 0.08% 1,284,245,018 0.08%

24 Sulawesi Selatan 17,141,773,753 0.97% 23,364,556,640 1.26% 24,325,199,371 1.26% 25,665,891,137 1.32% 12,816,622,938 0.79%

25 Sulawesi Tenggara 36,895,660,996 2.08% 34,445,329,668 1.85% 36,384,856,367 1.89% 8,811,497,292 0.45% 9,483,920,262 0.58%

26 Gorontalo 465,586,472 0.03% 574,726,744 0.03% 724,536,285 0.04% 16,025,166,557 0.82% 17,232,674,513 1.06%

27 Sulawesi Barat 53,058,175 0.00% 86,009,229 0.00% 117,894,907 0.01% 651,119,634 0.03% 473,569,216 0.03%

28 Nusa Tenggara Barat 1,965,128,943 0.11% 3,819,458,263 0.21% 2,916,190,174 0.15% 2,702,573,304 0.14% 2,642,783,506 0.16%

29 Nusa Tenggara Timur 655,814,349 0.04% 530,989,714 0.03% 736,295,154 0.04% 884,930,169 0.05% 972,714,288 0.06%

30 Maluku 986,082,778 0.06% 534,203,329 0.03% 506,962,476 0.03% 876,822,476 0.05% 1,407,852,241 0.09%

31 Maluku Utara 51,224,417 0.00% 706,339,837 0.04% 733,657,069 0.04% 571,619,228 0.03% 413,705,822 0.03%

32 Papua Barat 1,039,504,362 0.06% 1,168,851,802 0.06% 1,376,092,964 0.07% 1,617,177,291 0.08% 1,677,986,228 0.10%

33 Papua 12,019,908,221 0.68% 15,538,935,007 0.84% 6,490,496,922 0.34% 3,716,851,789 0.19% 2,765,270,476 0.17%

1,770,248,184,698 1,858,504,001,154 1,930,049,754,980 1,947,933,869,710 1,626,624,008,274 T O T A L

Table 3.3

CRESTA ZONE

NATIONAL GROSS PREMIUM INCOME BY PROVINCE


U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010


Table 4.1

U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010

Banda Aceh 1.1 299 450 578 532 350

Medan 1.2 2,866 2,995 4,270 4,294 3,266

Others 1.3 1,073 1,276 2,404 2,434 2,336

North Sumatera 1 4,238 4,721 7,252 7,260 5,952

Padang 2.1 2,022 2,764 3,938 3,703 5,410

Palembang 2.2 818 1,113 1,355 1,200 694

Others 2.3 5,006 5,747 11,481 8,905 8,542

South Sumatera 2 7,846 9,624 16,774 13,808 14,646

DKI Jakarta 3.1 22,514 24,635 26,403 28,532 21,640

Bandung 3.2 3,022 3,638 4,395 1,157 1,188

Others 3.3 13,199 14,710 19,471 24,348 20,307

DKI & West Java 3 38,735 42,983 50,269 54,037 43,135

Semarang 4.1 1,570 1,924 2,300 416 120

Yogyakarta 4.2 1,383 1,714 1,815 1,983 1,551

Others 4.3 2,982 3,798 6,576 7,282 5,783

DIY & Central Java 4 5,935 7,436 10,691 9,681 7,454

Surabaya 5.1 2,910 3,336 4,158 4,497 3,726

Others 5.2 3,176 3,756 5,635 5,641 3,962

East Java 5 6,086 7,092 9,793 10,138 7,688

Kalimantan 6 1,843 2,119 3,882 3,375 2,857

Ujung Pandang 7.1 766 890 1,219 1,188 734

Others 7.2 1,453 2,211 3,936 2,353 2,376

Sulawesi 7 2,219 3,101 5,155 3,541 3,110

Other Island 8 4,709 5,806 7,662 8,487 7,033

71,611 82,882 111,478 110,327 91,875

*) Figure above excluding undefined multi location risks

T O T A L

NUMBER OF RISKS BY CRESTA


CRESTA ZONE


Grafik 4.1


Table 4.2

In IDR


Agricultural 464 0% 414 0% 626 1% 409 0% 228 0%

Commercial 38,231 34% 39,128 35% 65,009 58% 56,713 51% 46,101 50%

Industrial 9,236 8% 11,746 11% 9,773 9% 11,791 11% 9,418 10%

Residential 23,680 21% 31,594 28% 36,070 32% 41,414 38% 36,128 39%

TOTAL 71,611 64% 82,882 74% 111,478 100% 110,327 100% 91,875 100%

*) Figure above excluding undefined multi location risks

NUMBER OF RISK BY OCCUPATION



Grafik 4.2


Table 5.1.1

Description U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010

Agricultural 0 0 4 25 0

Commercial 308 256 541 1240 6

Industrial 21 9 14 20 1

Residential 55 108 211 726 2

TOTAL 384 373 770 2011 9

CLAIM FREQUENCY BY OCCUPATION



Grafik 5.1.1


Table 5.1.2

U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010

Banda Aceh 1.1 0 0 0 0 0

Medan 1.2 0 0 2 1 0

Others 1.3 1 0 2 0 0

North Sumatera 1 1 0 4 1 0

Padang 2.1 154 235 593 1,755 1

Palembang 2.2 0 0 0 0 0

Others 2.3 82 106 20 23 4

South Sumatera 2 236 341 613 1,778 5

DKI Jakarta 3.1 16 11 50 70 0

Bandung 3.2 2 6 3 3 0

Others 3.3 7 6 79 141 0

DKI & West Java 3 25 23 132 214 0

Semarang 4.1 0 0 0 0 0

Yogyakarta 4.2 86 1 0 0 1

Others 4.3 31 0 0 0 1

DIY & Central Java 4 117 1 0 0 2

Surabaya 5.1 0 0 0 0 0

Others 5.2 0 0 0 0 0

East Java 5 0 0 0 0 0

Kalimantan 6 0 0 0 0 0

Ujung Pandang 7.1 0 0 0 0 1

Others 7.2 3 3 2 0 0

Sulawesi 7 3 3 2 0 1

Other Island 8 2 5 19 18 1

384 373 770 2,011 9

CRESTA ZONE

T O T A L

CLAIM FREQUENCY BY CRESTA ZONE



Grafik 5.1.2


Table 5.2.1

In IDR


Agricultural - 0.00% - 0.00% 4,350,034,601 0.95% 15,160,584,761 1.32% - 0.00%

Commercial 56,856,434,549 91.51% 81,383,984,808 93.80% 343,382,932,060 74.99% 1,066,989,875,801 92.79% 16,560,000,000 53.22%

Industrial 2,816,278,066 4.53% 2,557,615,685 2.95% 86,145,467,541 18.81% 4,199,598,300 0.37% 14,500,000,000 46.60%

Residential 2,461,200,287 3.96% 2,823,163,139 3.25% 24,018,247,041 5.25% 63,588,336,893 5.53% 58,043,775 0.19%

TOTAL 62,133,912,902 86,764,763,632 457,896,681,243 1,149,938,395,756 31,118,043,775

CLAIMS AMOUNT BY OCCUPATION



Grafik 5.2.1


Table 5.2.2

In IDR


Banda Aceh 1.1 0 0 0 0 0

Medan 1.2 0 0 181,199,900 849,225,000 0

Others 1.3 38,868,000 0 4,016,582,675 0 0

North Sumatera 1 38,868,000 0.1% 0 0.0% 4,197,782,575 0.9% 849,225,000 0.1% 0 0.0%

Padang 2.1 12,392,323,221 72,108,117,515 402,471,864,936 1,031,513,508,533 17,388,400

Palembang 2.2 0 0 0 0 0

Others 2.3 12,606,235,770 7,228,514,403 7,668,838,104 52,726,325,935 1,200,655,375

South Sumatera 2 24,998,558,991 40.2% 79,336,631,918 91.4% 410,140,703,040 89.6% 1,084,239,834,467 94.3% 1,218,043,775 3.9%

DKI Jakarta 3.1 1,260,463,935 1,377,201,066 14,373,487,424 18,379,697,350 0

Bandung 3.2 29,532,220 3,021,060,461 109,403,316 13,826,230 0

Others 3.3 592,233,256 863,777,250 10,162,275,311 10,715,380,903 0

DKI & West Java 3 1,882,229,411 3.0% 5,262,038,777 6.1% 24,645,166,051 5.4% 29,108,904,483 2.5% 0 0.0%

Semarang 4.1 0 0 0 0 0

Yogyakarta 4.2 31,246,937,696 300,000,000 0 0 2,500,000,000

Others 4.3 3,685,714,185 0 0 0 11,500,000,000

DIY & Central Java 4 34,932,651,881 56.2% 300,000,000 0.3% 0 0.0% 0 0.0% 14,000,000,000 45.0%

Surabaya 5.1 0 0 0 0 0

Others 5.2 0 0 0 0 0

East Java 5 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0%

Kalimantan 6 0 0.0% 0 0.0% 0 0.0% 0 0.0% 0 0.0%

Ujung Pandang 7.1 0 0 0 0 1,400,000,000

Others 7.2 134,523,123 429,763,147 53,789,097 0 0

Sulawesi 7 134,523,123 0.2% 429,763,147 0.5% 53,789,097 0.0% 0 0.0% 1,400,000,000 4.5%

Other Island 8 147,081,496 0.2% 1,436,329,790 1.7% 18,859,240,480 4.1% 35,740,431,806 3.1% 14,500,000,000 46.6%

62,133,912,902 86,764,763,632 457,896,681,243 1,149,938,395,756 31,118,043,775T O T A L

Claims Amount by Cresta Zone


CRESTA ZONE U/Y 2006 U/Y 2007 U/Y 2008 U/Y 2009 U/Y 2010


Grafik 5.2.2


UNDERWRITING YEAR : 2006 - 2010 DATA POSITION FROM

OCCUPATION : All

ZONE : All TO

PROCESSING DATE

Table 6.1

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 47,377 47,377 10.12 10.12 12,709.40 12,709.40 0.14 0.14 101 101 2.85 2.85 2,612.67 2,612.67 0.15 0.15 20.56 20.560

2 50.00 100.00 29,555 76,932 6.31 16.43 3,638.88 16,348.29 0.04 0.18 161 262 4.54 7.39 4,993.67 7,606.33 0.28 0.43 137.23 46.530

3 100.00 200.00 49,729 126,661 10.62 27.05 9,888.86 26,237.15 0.11 0.29 354 616 9.98 17.37 8,645.70 16,252.03 0.48 0.91 87.43 61.940

4 200.00 300.00 37,672 164,333 8.05 35.10 11,500.50 37,737.65 0.13 0.41 441 1,057 12.43 29.80 20,246.00 36,498.04 1.13 2.04 176.04 96.720

5 300.00 500.00 51,190 215,523 10.93 46.03 24,435.47 62,173.12 0.27 0.68 556 1,613 15.68 45.48 47,041.06 83,539.09 2.63 4.67 192.51 134.370

6 500.00 750.00 52,321 267,844 11.18 57.21 39,543.07 101,716.19 0.43 1.11 456 2,069 12.86 58.33 72,776.44 156,315.53 4.07 8.74 184.04 153.680

7 750.00 1,000.00 29,891 297,735 6.38 63.60 32,157.13 133,873.32 0.35 1.47 200 2,269 5.64 63.97 32,621.43 188,936.96 1.82 10.57 101.44 141.130

8 1,000.00 1,500.00 39,255 336,990 8.38 71.98 55,757.72 189,631.03 0.61 2.08 253 2,522 7.13 71.10 44,111.25 233,048.21 2.47 13.04 79.11 122.900

9 1,500.00 2,000.00 20,184 357,174 4.31 76.29 41,248.59 230,879.62 0.45 2.53 135 2,657 3.81 74.91 44,704.01 277,752.22 2.50 15.54 108.38 120.300

10 2,000.00 2,500.00 15,231 372,405 3.25 79.54 40,216.49 271,096.11 0.44 2.97 99 2,756 2.79 77.70 46,178.67 323,930.90 2.58 18.12 114.83 119.490

11 2,500.00 3,000.00 9,731 382,136 2.08 81.62 31,546.15 302,642.27 0.35 3.31 59 2,815 1.66 79.36 33,772.49 357,703.39 1.89 20.01 107.06 118.190

12 3,000.00 4,000.00 14,050 396,186 3.00 84.62 57,153.47 359,795.74 0.63 3.94 97 2,912 2.73 82.10 46,629.01 404,332.40 2.61 22.62 81.59 112.380

13 4,000.00 5,000.00 8,819 405,005 1.88 86.51 46,647.32 406,443.05 0.51 4.45 72 2,984 2.03 84.13 24,943.95 429,276.35 1.40 24.01 53.47 105.620

14 5,000.00 7,500.00 14,525 419,530 3.10 89.61 103,279.20 509,722.25 1.13 5.58 94 3,078 2.65 86.78 32,359.91 461,636.26 1.81 25.82 31.33 90.570

15 7,500.00 10,000.00 7,740 427,270 1.65 91.26 77,928.07 587,650.32 0.85 6.43 61 3,139 1.72 88.50 61,768.96 523,405.22 3.45 29.28 79.26 89.070

16 10,000.00 20,000.00 14,407 441,677 3.08 94.34 232,849.27 820,499.59 2.55 8.98 113 3,252 3.19 91.68 203,515.94 726,921.16 11.38 40.66 87.40 88.590

17 20,000.00 50,000.00 12,310 453,987 2.63 96.97 445,589.07 1,266,088.66 4.88 13.86 78 3,330 2.20 93.88 163,179.37 890,100.54 9.13 49.79 36.62 70.300 0.00

18 50,000.00 100,000.00 5,829 459,816 1.25 98.21 483,813.44 1,749,902.10 5.30 19.16 57 3,387 1.61 95.49 132,546.68 1,022,647.22 7.41 57.20 27.40 58.440 0.00

19 100,000.00 500,000.00 6,504 466,320 1.39 99.60 1,626,899.25 3,376,801.35 17.81 36.97 106 3,493 2.99 98.48 210,645.06 1,233,292.28 11.78 68.98 12.95 36.520 0.00

20 500,000.00 UP 1,853 468,173 0.40 100.00 4,369,382.81 7,746,184.15 47.84 84.81 36 3,529 1.01 99.49 121,673.68 1,354,965.96 6.81 75.79 2.78 17.490 0.00

1,387,175.66 9,133,359.82 15.19 100.00 18 3547 0.51 100.00 432,885.84 1,787,851.80 24.21 100.00 31.21 19.57

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

f F

∑(l)

PERCENTAGE

PT. Asuransi MAIPARK Indonesia

RISK & LOSS PROFILE

01/01/2010

31/12/2010

01/03/2011

INCURRED CLAIM (In Million Rp.) LOSS RATIO

PERCENTAGErp RP

∑(p)

PERCENTAGE

* ) Multilocation

BAND

SUM INSURED (BAND)

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

FROM TO

f F

∑(d)

PERCENTAGE rp RP

∑(h)

PERCENTAGE


UNDERWRITING YEAR : 2010 DATA POSITION FROM

OCCUPATION : All

ZONE : All TO

PROCESSING DATE

Table 6.2

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)


1 0.00 50.00 5,696 5,696 6.20 6.20 388.46 388.46 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 5,733 11,429 6.24 12.44 740.38 1,128.84 0.05 0.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 10,122 21,551 11.02 23.46 2,397.15 3,525.99 0.15 0.22 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 7,757 29,308 8.44 31.90 2,780.80 6,306.79 0.17 0.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 10,739 40,047 11.69 43.59 5,807.11 12,113.90 0.36 0.74 2 2 22.22 22.22 58.04 58.04 0.19 0.19 1.00 0.48

6 500.00 750.00 10,716 50,763 11.66 55.25 9,078.52 21,192.42 0.56 1.30 0 2 0.00 22.22 0.00 58.04 0.00 0.19 0.00 0.27

7 750.00 1,000.00 7,156 57,919 7.79 63.04 9,008.71 30,201.13 0.55 1.86 0 2 0.00 22.22 0.00 58.04 0.00 0.19 0.00 0.19

8 1,000.00 1,500.00 8,500 66,419 9.25 72.29 13,663.56 43,864.69 0.84 2.70 0 2 0.00 22.22 0.00 58.04 0.00 0.19 0.00 0.13

9 1,500.00 2,000.00 4,206 70,625 4.58 76.87 9,556.64 53,421.33 0.59 3.28 3 5 33.33 55.56 2,500.00 2,558.04 8.03 8.22 26.16 4.79

10 2,000.00 2,500.00 3,352 73,977 3.65 80.52 9,712.68 63,134.01 0.60 3.88 0 5 0.00 55.56 0.00 2,558.04 0.00 8.22 0.00 4.05

11 2,500.00 3,000.00 1,956 75,933 2.13 82.65 7,027.87 70,161.88 0.43 4.31 0 5 0.00 55.56 0.00 2,558.04 0.00 8.22 0.00 3.65

12 3,000.00 4,000.00 2,881 78,814 3.14 85.78 12,933.91 83,095.79 0.80 5.11 0 5 0.00 55.56 0.00 2,558.04 0.00 8.22 0.00 3.08

13 4,000.00 5,000.00 1,624 80,438 1.77 87.55 9,452.48 92,548.26 0.58 5.69 0 5 0.00 55.56 0.00 2,558.04 0.00 8.22 0.00 2.76

14 5,000.00 7,500.00 2,863 83,301 3.12 90.67 22,601.39 115,149.65 1.39 7.08 0 5 0.00 55.56 0.00 2,558.04 0.00 8.22 0.00 2.22

15 7,500.00 10,000.00 1,339 84,640 1.46 92.13 15,199.08 130,348.73 0.93 8.01 1 6 11.11 66.67 60.00 2,618.04 0.19 8.41 0.39 2.01

16 10,000.00 20,000.00 2,603 87,243 2.83 94.96 47,529.62 177,878.35 2.92 10.94 0 6 0.00 66.67 0.00 2,618.04 0.00 8.41 0.00 1.47

17 20,000.00 50,000.00 2,171 89,414 2.36 97.32 88,258.43 266,136.78 5.43 16.36 0 6 0.00 66.67 0.00 2,618.04 0.00 8.41 0.00 0.98

18 50,000.00 100,000.00 983 90,397 1.07 98.39 88,612.14 354,748.92 5.45 21.81 1 7 11.11 77.78 2,500.00 5,118.04 8.03 16.45 2.82 1.44

19 100,000.00 500,000.00 1,157 91,554 1.26 99.65 308,740.46 663,489.38 18.98 40.79 1 8 11.11 88.89 11,500.00 16,618.04 36.96 53.40 3.72 2.50

20 500,000.00 UP 321 91,875 0.35 100.00 804,813.93 1,468,303.32 49.48 90.27 0 8 0.00 88.89 0.00 16,618.04 0.00 53.40 0.00 1.13

158,320.69 1,626,624.01 9.73 100.00 1 9 11.11 100.00 14,500.00 31,118.04 46.60 100.00 9.16 1.91



RISK & LOSS PROFILE

CLAIM FREQUENCY LOSS RATIO

BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp

GROSS PREMIUM (In Million Rp.)

31/12/2010

01/03/2011

01/01/2010

PERCENTAGE

NUMBER OF RISKS INCURRED CLAIM (In Million Rp.)

* ) Multilocation

FROM TO

PERCENTAGEPERCENTAGE PERCENTAGE F

∑(l)

f PERCENTAGE RP

∑(p)

rp RP

∑(h)



OCCUPATION : All

ZONE : All TO

PROCESSING DATE

Table 6.3

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)


1 0.00 50.00 8,737 8,737 7.92 7.92 677.05 677.05 0.03 0.03 80 80 3.98 3.98 2,233.06 2,233.06 0.19 0.19 329.82 329.82

2 50.00 100.00 6,511 15,248 5.90 13.82 795.28 1,472.33 0.04 0.08 111 191 5.52 9.50 3,388.45 5,621.51 0.29 0.49 426.07 381.81

3 100.00 200.00 11,574 26,822 10.49 24.31 2,381.95 3,854.28 0.12 0.20 222 413 11.04 20.54 5,727.65 11,349.16 0.50 0.99 240.46 294.46

4 200.00 300.00 8,505 35,327 7.71 32.02 2,612.20 6,466.48 0.13 0.33 281 694 13.97 34.51 15,173.69 26,522.85 1.32 2.31 580.88 410.16

5 300.00 500.00 11,865 47,192 10.75 42.77 5,550.47 12,016.94 0.28 0.62 337 1,031 16.76 51.27 33,566.28 60,089.12 2.92 5.23 604.75 500.04

6 500.00 750.00 12,295 59,487 11.14 53.92 8,997.57 21,014.52 0.46 1.08 269 1,300 13.38 64.64 48,703.42 108,792.55 4.24 9.46 541.30 517.70

7 750.00 1,000.00 8,320 67,807 7.54 61.46 8,425.00 29,439.52 0.43 1.51 114 1,414 5.67 70.31 19,131.63 127,924.18 1.66 11.12 227.08 434.53

8 1,000.00 1,500.00 9,722 77,529 8.81 70.27 13,454.17 42,893.69 0.69 2.20 122 1,536 6.07 76.38 27,909.54 155,833.72 2.43 13.55 207.44 363.30

9 1,500.00 2,000.00 5,159 82,688 4.68 74.95 10,215.52 53,109.21 0.52 2.73 71 1,607 3.53 79.91 22,869.99 178,703.71 1.99 15.54 223.88 336.48

10 2,000.00 2,500.00 3,843 86,531 3.48 78.43 9,881.47 62,990.68 0.51 3.23 53 1,660 2.64 82.55 27,208.76 205,912.47 2.37 17.91 275.35 326.89

11 2,500.00 3,000.00 2,464 88,995 2.23 80.66 7,734.29 70,724.97 0.40 3.63 23 1,683 1.14 83.69 17,946.13 223,858.60 1.56 19.47 232.03 316.52

12 3,000.00 4,000.00 3,615 92,610 3.28 83.94 14,168.49 84,893.47 0.73 4.36 48 1,731 2.39 86.08 26,038.15 249,896.76 2.26 21.73 183.78 294.37

13 4,000.00 5,000.00 2,159 94,769 1.96 85.90 11,041.50 95,934.97 0.57 4.92 30 1,761 1.49 87.57 16,384.60 266,281.36 1.42 23.16 148.39 277.56

14 5,000.00 7,500.00 3,650 98,419 3.31 89.21 25,083.39 121,018.35 1.29 6.21 45 1,806 2.24 89.81 19,685.01 285,966.37 1.71 24.87 78.48 236.30

15 7,500.00 10,000.00 1,827 100,246 1.66 90.86 17,654.63 138,672.99 0.91 7.12 33 1,839 1.64 91.45 30,372.83 316,339.21 2.64 27.51 172.04 228.12

16 10,000.00 20,000.00 3,625 103,871 3.29 94.15 56,485.68 195,158.66 2.90 10.02 56 1,895 2.78 94.23 137,081.19 453,420.40 11.92 39.43 242.68 232.33

17 20,000.00 50,000.00 3,072 106,943 2.78 96.93 105,577.70 300,736.36 5.42 15.44 38 1,933 1.89 96.12 146,751.36 600,171.77 12.76 52.19 139.00 199.57

18 50,000.00 100,000.00 1,369 108,312 1.24 98.17 110,665.22 411,401.58 5.68 21.12 16 1,949 0.80 96.92 19,388.45 619,560.22 1.69 53.88 17.52 150.60

19 100,000.00 500,000.00 1,571 109,883 1.42 99.60 385,438.89 796,840.47 19.79 40.91 49 1,998 2.44 99.35 140,256.46 759,816.68 12.20 66.07 36.39 95.35

20 500,000.00 UP 444 110,327 0.40 100.00 859,194.92 1,656,035.39 44.11 85.01 8 2,006 0.40 99.75 65,211.40 825,028.08 5.67 71.75 7.59 49.82

291,898.48 1,947,933.87 14.99 100.00 5 2011 0.25 100.00 324,910.32 1,149,938.40 28.25 100.00 111.31 59.03


INCURRED CLAIM (In Million Rp.)


RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


31/12/2010

01/03/2011

01/01/2009

PERCENTAGE

NUMBER OF RISKS

* ) Multilocation

FROM TO


∑(l)

f PERCENTAGE RP

∑(p)

rp RP

∑(h)



OCCUPATION : All

ZONE : All TO

PROCESSING DATE

Table 6.4

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)


1 0.00 50.00 15,088 15,088 13.53 13.53 632.00 632.00 0.03 0.03 7 7 0.91 0.91 78.46 78.46 0.02 0.02 12.41 12.41

2 50.00 100.00 9,212 24,300 8.26 21.80 1,285.75 1,917.75 0.07 0.10 28 35 3.64 4.55 1,145.30 1,223.75 0.25 0.27 89.08 63.81

3 100.00 200.00 12,459 36,759 11.18 32.97 2,492.24 4,409.99 0.13 0.23 76 111 9.87 14.42 1,943.05 3,166.80 0.42 0.69 77.96 71.81

4 200.00 300.00 8,744 45,503 7.84 40.82 2,580.54 6,990.53 0.13 0.36 93 204 12.08 26.49 3,581.75 6,748.55 0.78 1.47 138.80 96.54

5 300.00 500.00 11,153 56,656 10.00 50.82 5,224.25 12,214.78 0.27 0.63 105 309 13.64 40.13 9,379.13 16,127.68 2.05 3.52 179.53 132.03

6 500.00 750.00 13,319 69,975 11.95 62.77 10,087.12 22,301.90 0.52 1.16 88 397 11.43 51.56 19,066.59 35,194.27 4.16 7.69 189.02 157.81

7 750.00 1,000.00 6,339 76,314 5.69 68.46 6,627.33 28,929.23 0.34 1.50 34 431 4.42 55.97 11,334.92 46,529.19 2.48 10.16 171.03 160.84

8 1,000.00 1,500.00 7,558 83,872 6.78 75.24 11,122.42 40,051.65 0.58 2.08 58 489 7.53 63.51 10,798.23 57,327.43 2.36 12.52 97.09 143.13

9 1,500.00 2,000.00 4,186 88,058 3.76 78.99 8,581.37 48,633.03 0.44 2.52 36 525 4.68 68.18 17,180.06 74,507.49 3.75 16.27 200.20 153.20

10 2,000.00 2,500.00 3,090 91,148 2.77 81.76 8,207.18 56,840.20 0.43 2.95 23 548 2.99 71.17 15,566.77 90,074.25 3.40 19.67 189.67 158.47

11 2,500.00 3,000.00 2,018 93,166 1.81 83.57 6,640.78 63,480.99 0.34 3.29 18 566 2.34 73.51 13,432.35 103,506.61 2.93 22.60 202.27 163.05

12 3,000.00 4,000.00 2,843 96,009 2.55 86.12 11,636.44 75,117.43 0.60 3.89 22 588 2.86 76.36 15,765.98 119,272.58 3.44 26.05 135.49 158.78

13 4,000.00 5,000.00 1,912 97,921 1.72 87.84 10,353.12 85,470.55 0.54 4.43 19 607 2.47 78.83 6,405.24 125,677.82 1.40 27.45 61.87 147.04

14 5,000.00 7,500.00 3,038 100,959 2.73 90.56 22,006.28 107,476.84 1.14 5.57 24 631 3.12 81.95 5,518.35 131,196.17 1.21 28.65 25.08 122.07

15 7,500.00 10,000.00 1,721 102,680 1.54 92.11 17,716.12 125,192.95 0.92 6.49 15 646 1.95 83.90 29,347.55 160,543.72 6.41 35.06 165.65 128.24

16 10,000.00 20,000.00 3,079 105,759 2.76 94.87 50,311.11 175,504.07 2.61 9.09 37 683 4.81 88.70 57,636.81 218,180.53 12.59 47.65 114.56 124.32

17 20,000.00 50,000.00 2,635 108,394 2.36 97.23 99,387.16 274,891.23 5.15 14.24 15 698 1.95 90.65 7,412.16 225,592.69 1.62 49.27 7.46 82.07

18 50,000.00 100,000.00 1,259 109,653 1.13 98.36 110,133.35 385,024.58 5.71 19.95 17 715 2.21 92.86 98,398.70 323,991.39 21.49 70.76 89.35 84.15

19 100,000.00 500,000.00 1,442 111,095 1.29 99.66 379,798.95 764,823.53 19.68 39.63 32 747 4.16 97.01 46,864.93 370,856.32 10.23 80.99 12.34 48.49

20 500,000.00 UP 383 111,478 0.34 100.00 892,368.75 1,657,192.28 46.24 85.86 18 765 2.34 99.35 56,213.03 427,069.36 12.28 93.27 6.30 25.77

272,857.47 1,930,049.75 14.14 100.00 5 770 0.65 100.00 30,827.32 457,896.68 6.73 100.00 11.30 23.72




RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


31/12/2010

01/03/2011

01/01/2008

PERCENTAGE

NUMBER OF RISKS

* ) Multilocation

FROM TO


∑(l)

f PERCENTAGE RP

∑(p)

rp RP

∑(h)



OCCUPATION : All

ZONE : All TO

PROCESSING DATE

Table 6.5

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)


1 0.00 50.00 6,808 6,808 8.21 8.21 314.67 314.67 0.02 0.02 3 3 0.80 0.80 62.89 62.89 0.07 0.07 19.99 19.99

2 50.00 100.00 4,208 11,016 5.08 13.29 456.22 770.89 0.02 0.04 5 8 1.34 2.14 66.34 129.23 0.08 0.15 14.54 16.76

3 100.00 200.00 8,724 19,740 10.53 23.82 1,502.28 2,273.17 0.08 0.12 23 31 6.17 8.31 271.57 400.80 0.31 0.46 18.08 17.63

4 200.00 300.00 6,967 26,707 8.41 32.22 1,984.88 4,258.05 0.11 0.23 37 68 9.92 18.23 732.24 1,133.04 0.84 1.31 36.89 26.61

5 300.00 500.00 9,516 36,223 11.48 43.70 4,368.45 8,626.50 0.24 0.46 64 132 17.16 35.39 2,237.24 3,370.28 2.58 3.88 51.21 39.07

6 500.00 750.00 9,002 45,225 10.86 54.57 6,594.12 15,220.62 0.35 0.82 54 186 14.48 49.87 2,301.56 5,671.84 2.65 6.54 34.90 37.26

7 750.00 1,000.00 4,616 49,841 5.57 60.13 4,769.45 19,990.07 0.26 1.08 24 210 6.43 56.30 648.59 6,320.42 0.75 7.28 13.60 31.62

8 1,000.00 1,500.00 8,005 57,846 9.66 69.79 10,322.32 30,312.39 0.56 1.63 40 250 10.72 67.02 2,257.91 8,578.33 2.60 9.89 21.87 28.30

9 1,500.00 2,000.00 3,760 61,606 4.54 74.33 7,526.48 37,838.87 0.40 2.04 15 265 4.02 71.05 1,475.99 10,054.32 1.70 11.59 19.61 26.57

10 2,000.00 2,500.00 2,770 64,376 3.34 77.67 7,157.67 44,996.54 0.39 2.42 12 277 3.22 74.26 908.58 10,962.90 1.05 12.64 12.69 24.36

11 2,500.00 3,000.00 1,833 66,209 2.21 79.88 5,875.65 50,872.18 0.32 2.74 9 286 2.41 76.68 1,187.58 12,150.48 1.37 14.00 20.21 23.88

12 3,000.00 4,000.00 2,588 68,797 3.12 83.01 10,509.45 61,381.64 0.57 3.30 13 299 3.49 80.16 3,123.33 15,273.81 3.60 17.60 29.72 24.88

13 4,000.00 5,000.00 1,719 70,516 2.07 85.08 9,018.51 70,400.15 0.49 3.79 9 308 2.41 82.57 759.92 16,033.73 0.88 18.48 8.43 22.78

14 5,000.00 7,500.00 2,760 73,276 3.33 88.41 19,316.09 89,716.24 1.04 4.83 13 321 3.49 86.06 1,743.24 17,776.97 2.01 20.49 9.02 19.81

15 7,500.00 10,000.00 1,662 74,938 2.01 90.42 16,441.16 106,157.40 0.88 5.71 1 322 0.27 86.33 37.93 17,814.90 0.04 20.53 0.23 16.78

16 10,000.00 20,000.00 2,726 77,664 3.29 93.70 44,031.35 150,188.75 2.37 8.08 9 331 2.41 88.74 2,273.52 20,088.41 2.62 23.15 5.16 13.38

17 20,000.00 50,000.00 2,415 80,079 2.91 96.62 86,340.94 236,529.68 4.65 12.73 13 344 3.49 92.23 6,592.94 26,681.36 7.60 30.75 7.64 11.28

18 50,000.00 100,000.00 1,223 81,302 1.48 98.09 100,299.42 336,829.10 5.40 18.12 9 353 2.41 94.64 4,892.99 31,574.35 5.64 36.39 4.88 9.37

19 100,000.00 500,000.00 1,233 82,535 1.49 99.58 310,233.85 647,062.96 16.69 34.82 13 366 3.49 98.12 4,806.45 36,380.80 5.54 41.93 1.55 5.62

20 500,000.00 UP 347 82,882 0.42 100.00 887,425.51 1,534,488.47 47.75 82.57 3 369 0.80 98.93 106.18 36,486.98 0.12 42.05 0.01 2.38

324,015.53 1,858,504.00 17.43 100.00 4 373 1.07 100.00 50,277.79 86,764.76 57.95 100.00 15.52 4.67




RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


31/12/2010

01/03/2011

01/01/2007

PERCENTAGE

NUMBER OF RISKS

* ) Multilocation

FROM TO


∑(l)

f PERCENTAGE RP

∑(p)

rp RP

∑(h)



OCCUPATION : All

ZONE : All TO

PROCESSING DATE

Table 6.1.1

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)


1 0.00 50.00 11,048 11,048 15.43 15.43 10,697.22 10,697.22 0.60 0.60 11 11 2.86 2.86 238.26 238.26 0.38 0.38 2.23 2.23

2 50.00 100.00 3,891 14,939 5.43 20.86 361.26 11,058.48 0.02 0.62 17 28 4.43 7.29 393.58 631.84 0.63 1.02 108.95 5.71

3 100.00 200.00 6,850 21,789 9.57 30.43 1,115.24 12,173.72 0.06 0.69 33 61 8.59 15.89 703.43 1,335.28 1.13 2.15 63.07 10.97

4 200.00 300.00 5,699 27,488 7.96 38.39 1,542.08 13,715.80 0.09 0.77 30 91 7.81 23.70 758.32 2,093.60 1.22 3.37 49.18 15.26

5 300.00 500.00 7,917 35,405 11.06 49.44 3,485.20 17,200.99 0.20 0.97 48 139 12.50 36.20 1,800.36 3,893.96 2.90 6.27 51.66 22.64

6 500.00 750.00 6,989 42,394 9.76 59.20 4,785.74 21,986.73 0.27 1.24 45 184 11.72 47.92 2,704.86 6,598.82 4.35 10.62 56.52 30.01

7 750.00 1,000.00 3,460 45,854 4.83 64.03 3,326.63 25,313.37 0.19 1.43 28 212 7.29 55.21 1,506.30 8,105.12 2.42 13.04 45.28 32.02

8 1,000.00 1,500.00 5,470 51,324 7.64 71.67 7,195.24 32,508.61 0.41 1.84 33 245 8.59 63.80 3,145.57 11,250.69 5.06 18.11 43.72 34.61

9 1,500.00 2,000.00 2,873 54,197 4.01 75.68 5,368.58 37,877.19 0.30 2.14 10 255 2.60 66.41 677.97 11,928.67 1.09 19.20 12.63 31.49

10 2,000.00 2,500.00 2,176 56,373 3.04 78.72 5,257.49 43,134.69 0.30 2.44 11 266 2.86 69.27 2,494.56 14,423.23 4.01 23.21 47.45 33.44

11 2,500.00 3,000.00 1,460 57,833 2.04 80.76 4,267.56 47,402.25 0.24 2.68 9 275 2.34 71.61 1,206.43 15,629.66 1.94 25.15 28.27 32.97

12 3,000.00 4,000.00 2,123 59,956 2.96 83.72 7,905.17 55,307.42 0.45 3.12 14 289 3.65 75.26 1,701.55 17,331.21 2.74 27.89 21.52 31.34

13 4,000.00 5,000.00 1,405 61,361 1.96 85.69 6,781.71 62,089.13 0.38 3.51 14 303 3.65 78.91 1,394.19 18,725.40 2.24 30.14 20.56 30.16

14 5,000.00 7,500.00 2,214 63,575 3.09 88.78 14,272.05 76,361.17 0.81 4.31 12 315 3.13 82.03 5,413.31 24,138.70 8.71 38.85 37.93 31.61

15 7,500.00 10,000.00 1,191 64,766 1.66 90.44 10,917.07 87,278.25 0.62 4.93 11 326 2.86 84.90 1,950.65 26,089.35 3.14 41.99 17.87 29.89

16 10,000.00 20,000.00 2,374 67,140 3.32 93.76 34,491.51 121,769.76 1.95 6.88 11 337 2.86 87.76 6,524.42 32,613.77 10.50 52.49 18.92 26.78

17 20,000.00 50,000.00 2,017 69,157 2.82 96.57 66,024.85 187,794.61 3.73 10.61 12 349 3.13 90.89 2,422.90 35,036.68 3.90 56.39 3.67 18.66

18 50,000.00 100,000.00 995 70,152 1.39 97.96 74,103.30 261,897.91 4.19 14.79 14 363 3.65 94.53 7,366.54 42,403.22 11.86 68.24 9.94 16.19

19 100,000.00 500,000.00 1,101 71,253 1.54 99.50 242,687.09 504,585.00 13.71 28.50 11 374 2.86 97.40 7,217.22 49,620.44 11.62 79.86 2.97 9.83

20 500,000.00 UP 358 71,611 0.50 100.00 925,579.70 1,430,164.70 52.29 80.79 7 381 1.82 99.22 143.07 49,763.51 0.23 80.09 0.02 3.48

340,083.49 1,770,248.18 19.21 100.00 3 384 0.78 100.00 12,370.41 62,133.91 19.91 100.00 3.64 3.51




RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


31/12/2010

01/03/2011

01/01/2006

PERCENTAGE

NUMBER OF RISKS

* ) Multilocation

FROM TO


∑(l)

f PERCENTAGE RP

∑(p)

rp RP

∑(h)



OCCUPATION : Agricultural

ZONE : All TO

PROCESSING DATE

Table 6.1.1.1

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)


1 0.00 50.00 0 0 0.00 0.00 0.00 0.00 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 0 0 0.00 0.00 0.00 0.00 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 9 9 3.95 3.95 1.26 1.26 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 12 21 5.26 9.21 3.72 4.97 0.04 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 10 31 4.39 13.60 4.53 9.50 0.05 0.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 5 36 2.19 15.79 5.90 15.40 0.06 0.15 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 43 3.07 18.86 7.19 22.59 0.07 0.23 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 64 9.21 28.07 33.52 56.11 0.34 0.56 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 8 72 3.51 31.58 16.59 72.70 0.17 0.73 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 10 82 4.39 35.96 29.88 102.58 0.30 1.03 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 5 87 2.19 38.16 17.07 119.65 0.17 1.20 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 11 98 4.82 42.98 43.60 163.25 0.44 1.64 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 9 107 3.95 46.93 65.85 229.10 0.66 2.30 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 18 125 7.89 54.82 73.50 302.60 0.74 3.04 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 10 135 4.39 59.21 101.64 404.24 1.02 4.06 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 16 151 7.02 66.23 307.97 712.21 3.10 7.16 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 31 182 13.60 79.82 1,165.43 1,877.64 11.72 18.88 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 17 199 7.46 87.28 1,316.52 3,194.16 13.23 32.11 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 27 226 11.84 99.12 4,776.96 7,971.12 48.02 80.13 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 2 228 0.88 100.00 1,969.05 9,940.17 19.79 99.93 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7.19 9,947.36 0.07 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


* ) Multilocation

FROM TO


∑(l)

f PERCENTAGE RP

∑(p)

rp RP

∑(h)



RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


31/12/2010

01/03/2011

01/01/2010

PERCENTAGE

NUMBER OF RISKS



OCCUPATION : Commercial

ZONE : All TO

PROCESSING DATE

Table 6.1.2.1

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)


1 0.00 50.00 3,723 3,723 8.08 8.08 125.24 125.24 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 2,204 5,927 4.78 12.86 228.95 354.19 0.07 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 4,533 10,460 9.83 22.69 983.55 1,337.74 0.31 0.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 3,148 13,608 6.83 29.52 1,132.61 2,470.35 0.36 0.79 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 4,733 18,341 10.27 39.78 2,616.45 5,086.80 0.83 1.62 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 5,647 23,988 12.25 52.03 4,893.16 9,979.95 1.56 3.17 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 4,644 28,632 10.07 62.11 6,081.48 16,061.44 1.93 5.11 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 4,858 33,490 10.54 72.64 7,928.82 23,990.26 2.52 7.63 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 2,236 35,726 4.85 77.50 5,099.98 29,090.23 1.62 9.25 3 3 50.00 50.00 2,500.00 2,500.00 15.10 15.10 49.02 8.59

10 2,000.00 2,500.00 1,838 37,564 3.99 81.48 5,362.75 34,452.99 1.71 10.95 0 3 0.00 50.00 0.00 2,500.00 0.00 15.10 0.00 7.26

11 2,500.00 3,000.00 1,040 38,604 2.26 83.74 3,761.34 38,214.33 1.20 12.15 0 3 0.00 50.00 0.00 2,500.00 0.00 15.10 0.00 6.54

12 3,000.00 4,000.00 1,595 40,199 3.46 87.20 7,183.90 45,398.23 2.28 14.43 0 3 0.00 50.00 0.00 2,500.00 0.00 15.10 0.00 5.51

13 4,000.00 5,000.00 853 41,052 1.85 89.05 4,939.97 50,338.20 1.57 16.00 0 3 0.00 50.00 0.00 2,500.00 0.00 15.10 0.00 4.97

14 5,000.00 7,500.00 1,568 42,620 3.40 92.45 12,371.88 62,710.09 3.93 19.94 0 3 0.00 50.00 0.00 2,500.00 0.00 15.10 0.00 3.99

15 7,500.00 10,000.00 629 43,249 1.36 93.81 7,134.69 69,844.77 2.27 22.21 1 4 16.67 66.67 60.00 2,560.00 0.36 15.46 0.84 3.67

16 10,000.00 20,000.00 1,254 44,503 2.72 96.53 23,139.96 92,984.74 7.36 29.56 0 4 0.00 66.67 0.00 2,560.00 0.00 15.46 0.00 2.75

17 20,000.00 50,000.00 891 45,394 1.93 98.47 37,145.55 130,130.29 11.81 41.37 0 4 0.00 66.67 0.00 2,560.00 0.00 15.46 0.00 1.97

18 50,000.00 100,000.00 354 45,748 0.77 99.23 33,066.76 163,197.04 10.51 51.89 1 5 16.67 83.33 2,500.00 5,060.00 15.10 30.56 7.56 3.10

19 100,000.00 500,000.00 294 46,042 0.64 99.87 73,720.70 236,917.75 23.44 75.33 1 6 16.67 100.00 11,500.00 16,560.00 69.44 100.00 15.60 6.99

20 500,000.00 UP 59 46,101 0.13 100.00 70,303.34 307,221.09 22.35 97.68 0 6 0.00 100.00 0.00 16,560.00 0.00 100.00 0.00 5.39

7,298.69 314,519.78 2.32 100.00 0 6 0.00 100.00 0.00 16,560.00 0.00 100.00 0.00 5.27


* ) Multilocation

FROM TO


∑(l)

f PERCENTAGE RP

∑(p)

rp RP

∑(h)



RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


31/12/2010

01/03/2011

01/01/2010

PERCENTAGE

NUMBER OF RISKS



OCCUPATION : Industrial

ZONE : All TO

PROCESSING DATE

Table 6.1.3.1

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)


1 0.00 50.00 289 289 3.07 3.07 9.38 9.38 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 205 494 2.18 5.25 25.45 34.83 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 335 829 3.56 8.80 81.09 115.92 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 289 1,118 3.07 11.87 102.60 218.52 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 597 1,715 6.34 18.21 304.07 522.59 0.03 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 507 2,222 5.38 23.59 424.98 947.58 0.04 0.09 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 380 2,602 4.03 27.63 456.71 1,404.29 0.04 0.13 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 594 3,196 6.31 33.94 944.71 2,348.99 0.09 0.22 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 461 3,657 4.89 38.83 1,114.18 3,463.18 0.10 0.32 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 400 4,057 4.25 43.08 1,179.91 4,643.09 0.11 0.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 300 4,357 3.19 46.26 1,083.75 5,726.84 0.10 0.53 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 427 4,784 4.53 50.80 1,965.53 7,692.38 0.18 0.71 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 304 5,088 3.23 54.02 1,772.92 9,465.29 0.16 0.87 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 660 5,748 7.01 61.03 5,308.67 14,773.96 0.49 1.35 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 403 6,151 4.28 65.31 4,584.61 19,358.57 0.42 1.78 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 910 7,061 9.66 74.97 16,509.93 35,868.50 1.51 3.29 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 976 8,037 10.36 85.34 39,421.31 75,289.82 3.62 6.90 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 495 8,532 5.26 90.59 43,104.77 118,394.58 3.95 10.86 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 663 9,195 7.04 97.63 179,646.33 298,040.92 16.47 27.33 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 223 9,418 2.37 100.00 660,975.52 959,016.44 60.61 87.94 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

131,461.23 1,090,477.67 12.06 100.00 1 1 100.00 100.00 14,500.00 14,500.00 100.00 100.00 11.03 1.33


* ) Multilocation

FROM TO


∑(l)

f PERCENTAGE RP

∑(p)

rp RP

∑(h)



RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


31/12/2010

01/03/2011

01/01/2010

PERCENTAGE

NUMBER OF RISKS



OCCUPATION : Residential

ZONE : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 1,684 1,684 4.66 4.66 253.83 253.83 0.12 0.12 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 3,324 5,008 9.20 13.86 485.98 739.82 0.23 0.35 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 5,245 10,253 14.52 28.38 1,331.25 2,071.07 0.63 0.98 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 4,308 14,561 11.92 40.30 1,541.88 3,612.95 0.73 1.71 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 5,399 19,960 14.94 55.25 2,882.05 6,495.00 1.36 3.07 2 2 100.00 100.00 58.04 58.04 100.00 100.00 2.01 0.89

6 500.00 750.00 4,557 24,517 12.61 67.86 3,754.48 10,249.49 1.77 4.84 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.57

7 750.00 1,000.00 2,125 26,642 5.88 73.74 2,463.33 12,712.82 1.16 6.01 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.46

8 1,000.00 1,500.00 3,027 29,669 8.38 82.12 4,756.51 17,469.33 2.25 8.25 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.33

9 1,500.00 2,000.00 1,501 31,170 4.15 86.28 3,325.89 20,795.21 1.57 9.82 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.28

10 2,000.00 2,500.00 1,104 32,274 3.06 89.33 3,140.14 23,935.35 1.48 11.31 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.24

11 2,500.00 3,000.00 611 32,885 1.69 91.02 2,165.70 26,101.05 1.02 12.33 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.22

12 3,000.00 4,000.00 848 33,733 2.35 93.37 3,740.88 29,841.93 1.77 14.10 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.19

13 4,000.00 5,000.00 458 34,191 1.27 94.64 2,673.74 32,515.67 1.26 15.36 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.18

14 5,000.00 7,500.00 617 34,808 1.71 96.35 4,847.34 37,363.00 2.29 17.65 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.16

15 7,500.00 10,000.00 297 35,105 0.82 97.17 3,378.14 40,741.15 1.60 19.25 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.14

16 10,000.00 20,000.00 423 35,528 1.17 98.34 7,571.75 48,312.90 3.58 22.82 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.12

17 20,000.00 50,000.00 273 35,801 0.76 99.09 10,526.13 58,839.03 4.97 27.80 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.10

18 50,000.00 100,000.00 117 35,918 0.32 99.42 11,124.10 69,963.14 5.26 33.05 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.08

19 100,000.00 500,000.00 173 36,091 0.48 99.90 50,596.46 120,559.60 23.90 56.95 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.05

20 500,000.00 UP 37 36,128 0.10 100.00 71,566.02 192,125.62 33.81 90.76 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.03

19,553.58 211,679.20 9.24 100.00 0 2 0.00 100.00 0.00 58.04 0.00 100.00 0.00 0.03


* ) Multilocation

rp RP

∑(h)


31/12/2010

01/03/2011

01/01/2010

FROM TO


∑(l)

PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)


RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp





ZONE : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 4 4 0.98 0.98 0.24 0.24 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 6 10 1.47 2.44 0.69 0.94 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 14 24 3.42 5.87 1.80 2.73 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 8 32 1.96 7.82 0.94 3.67 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 6 38 1.47 9.29 3.37 7.04 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 8 46 1.96 11.25 4.63 11.67 0.03 0.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 10 56 2.44 13.69 10.48 22.15 0.06 0.13 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 14 70 3.42 17.11 20.92 43.07 0.12 0.25 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 11 81 2.69 19.80 22.19 65.26 0.13 0.38 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 10 91 2.44 22.25 24.20 89.45 0.14 0.52 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 6 97 1.47 23.72 17.05 106.50 0.10 0.62 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 24 121 5.87 29.58 98.17 204.68 0.57 1.18 2 2 8.00 8.00 95.56 95.56 0.63 0.63 97.34 46.69

13 4,000.00 5,000.00 21 142 5.13 34.72 113.94 318.62 0.66 1.84 0 2 0.00 8.00 0.00 95.56 0.00 0.63 0.00 29.99

14 5,000.00 7,500.00 48 190 11.74 46.45 268.62 587.24 1.55 3.39 1 3 4.00 12.00 13.68 109.24 0.09 0.72 5.09 18.60

15 7,500.00 10,000.00 28 218 6.85 53.30 286.17 873.41 1.65 5.04 8 11 32.00 44.00 2,487.84 2,597.09 16.41 17.13 869.37 297.35

16 10,000.00 20,000.00 63 281 15.40 68.70 913.86 1,787.27 5.28 10.32 10 21 40.00 84.00 9,826.56 12,423.65 64.82 81.95 1,075.28 695.12

17 20,000.00 50,000.00 58 339 14.18 82.89 2,169.66 3,956.93 12.53 22.85 3 24 12.00 96.00 2,309.48 14,733.13 15.23 97.18 106.44 372.34

18 50,000.00 100,000.00 30 369 7.33 90.22 2,317.52 6,274.45 13.38 36.23 1 25 4.00 100.00 427.45 15,160.58 2.82 100.00 18.44 241.62

19 100,000.00 500,000.00 34 403 8.31 98.53 6,257.64 12,532.09 36.14 72.37 0 25 0.00 100.00 0.00 15,160.58 0.00 100.00 0.00 120.97

20 500,000.00 UP 6 409 1.47 100.00 3,789.17 16,321.26 21.88 94.25 0 25 0.00 100.00 0.00 15,160.58 0.00 100.00 0.00 92.89

995.66 17,316.92 5.75 100.00 0 25 0.00 100.00 0.00 15,160.58 0.00 100.00 0.00 87.55


PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)



RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


31/12/2010

01/03/2011

01/01/2009

FROM TO


∑(l)

* ) Multilocation




ZONE : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 5,539 5,539 9.77 9.77 184.56 184.56 0.04 0.04 69 69 5.56 5.56 2,082.79 2,082.79 0.20 0.20 1,128.49 1,128.49

2 50.00 100.00 3,022 8,561 5.33 15.10 251.75 436.32 0.05 0.09 60 129 4.84 10.40 2,571.78 4,654.57 0.24 0.44 1,021.55 1,066.79

3 100.00 200.00 5,452 14,013 9.61 24.71 948.37 1,384.68 0.20 0.30 79 208 6.37 16.77 2,883.85 7,538.42 0.27 0.71 304.09 544.41

4 200.00 300.00 3,631 17,644 6.40 31.11 1,057.90 2,442.59 0.23 0.52 110 318 8.87 25.65 8,227.01 15,765.43 0.77 1.48 777.67 645.44

5 300.00 500.00 5,464 23,108 9.63 40.75 2,611.52 5,054.10 0.56 1.08 180 498 14.52 40.16 21,442.16 37,207.59 2.01 3.49 821.06 736.19

6 500.00 750.00 6,518 29,626 11.49 52.24 4,827.76 9,881.87 1.03 2.11 166 664 13.39 53.55 34,352.89 71,560.47 3.22 6.71 711.57 724.16

7 750.00 1,000.00 5,382 35,008 9.49 61.73 5,385.48 15,267.34 1.15 3.26 84 748 6.77 60.32 14,425.56 85,986.04 1.35 8.06 267.86 563.20

8 1,000.00 1,500.00 5,471 40,479 9.65 71.38 7,478.60 22,745.94 1.60 4.86 92 840 7.42 67.74 23,373.53 109,359.57 2.19 10.25 312.54 480.79

9 1,500.00 2,000.00 2,792 43,271 4.92 76.30 5,451.21 28,197.15 1.16 6.02 52 892 4.19 71.94 15,116.61 124,476.18 1.42 11.67 277.31 441.45

10 2,000.00 2,500.00 2,133 45,404 3.76 80.06 5,457.52 33,654.67 1.17 7.19 50 942 4.03 75.97 26,460.08 150,936.26 2.48 14.15 484.84 448.49

11 2,500.00 3,000.00 1,300 46,704 2.29 82.35 4,023.39 37,678.07 0.86 8.05 17 959 1.37 77.34 11,541.28 162,477.53 1.08 15.23 286.85 431.23

12 3,000.00 4,000.00 2,030 48,734 3.58 85.93 7,872.61 45,550.68 1.68 9.73 43 1,002 3.47 80.81 25,233.76 187,711.29 2.36 17.59 320.53 412.09

13 4,000.00 5,000.00 1,155 49,889 2.04 87.97 5,789.87 51,340.55 1.24 10.96 28 1,030 2.26 83.06 15,562.92 203,274.21 1.46 19.05 268.80 395.93

14 5,000.00 7,500.00 1,920 51,809 3.39 91.35 12,920.72 64,261.28 2.76 13.72 40 1,070 3.23 86.29 18,097.45 221,371.65 1.70 20.75 140.07 344.49

15 7,500.00 10,000.00 875 52,684 1.54 92.90 8,225.60 72,486.88 1.76 15.48 23 1,093 1.85 88.15 27,474.66 248,846.32 2.57 23.32 334.01 343.30

16 10,000.00 20,000.00 1,675 54,359 2.95 95.85 25,522.21 98,009.10 5.45 20.93 40 1,133 3.23 91.37 124,635.94 373,482.25 11.68 35.00 488.34 381.07

17 20,000.00 50,000.00 1,345 55,704 2.37 98.22 44,311.10 142,320.19 9.46 30.39 34 1,167 2.74 94.11 144,374.80 517,857.05 13.53 48.53 325.82 363.87

18 50,000.00 100,000.00 490 56,194 0.86 99.08 39,320.22 181,640.41 8.40 38.79 15 1,182 1.21 95.32 18,961.00 536,818.06 1.78 50.31 48.22 295.54

19 100,000.00 500,000.00 432 56,626 0.76 99.85 107,080.40 288,720.81 22.87 61.66 46 1,228 3.71 99.03 140,102.60 676,920.66 13.13 63.44 130.84 234.46

20 500,000.00 UP 87 56,713 0.15 100.00 115,803.61 404,524.42 24.73 86.39 7 1,235 0.56 99.60 65,158.90 742,079.56 6.11 69.55 56.27 183.44

63,737.29 468,261.71 13.61 100.00 5 1240 0.40 100.00 324,910.32 1,066,989.88 30.45 100.00 509.76 227.86



RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


01/01/2009

FROM TO


∑(l)

PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)


31/12/2010

01/03/2011

* ) Multilocation




ZONE : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 413 413 3.50 3.50 8.93 8.93 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 285 698 2.42 5.92 24.22 33.15 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 426 1,124 3.61 9.53 67.46 100.62 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 368 1,492 3.12 12.65 101.17 201.79 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 632 2,124 5.36 18.01 275.12 476.90 0.02 0.04 2 2 10.00 10.00 90.54 90.54 2.16 2.16 32.91 18.98

6 500.00 750.00 665 2,789 5.64 23.65 464.92 941.82 0.04 0.08 0 2 0.00 10.00 0.00 90.54 0.00 2.16 0.00 9.61

7 750.00 1,000.00 445 3,234 3.77 27.43 455.66 1,397.49 0.04 0.12 0 2 0.00 10.00 0.00 90.54 0.00 2.16 0.00 6.48

8 1,000.00 1,500.00 734 3,968 6.23 33.65 1,004.86 2,402.35 0.08 0.20 0 2 0.00 10.00 0.00 90.54 0.00 2.16 0.00 3.77

9 1,500.00 2,000.00 537 4,505 4.55 38.21 1,038.53 3,440.87 0.09 0.29 3 5 15.00 25.00 1,666.15 1,756.69 39.67 41.83 160.43 51.05

10 2,000.00 2,500.00 478 4,983 4.05 42.26 1,240.82 4,681.70 0.10 0.40 1 6 5.00 30.00 35.24 1,791.93 0.84 42.67 2.84 38.28

11 2,500.00 3,000.00 380 5,363 3.22 45.48 1,179.38 5,861.08 0.10 0.50 1 7 5.00 35.00 138.63 1,930.56 3.30 45.97 11.75 32.94

12 3,000.00 4,000.00 562 5,925 4.77 50.25 2,165.48 8,026.56 0.18 0.68 1 8 5.00 40.00 358.75 2,289.32 8.54 54.51 16.57 28.52

13 4,000.00 5,000.00 369 6,294 3.13 53.38 1,807.79 9,834.35 0.15 0.83 0 8 0.00 40.00 0.00 2,289.32 0.00 54.51 0.00 23.28

14 5,000.00 7,500.00 764 7,058 6.48 59.86 5,297.66 15,132.01 0.45 1.28 1 9 5.00 45.00 13.78 2,303.10 0.33 54.84 0.26 15.22

15 7,500.00 10,000.00 479 7,537 4.06 63.92 4,670.45 19,802.46 0.39 1.67 2 11 10.00 55.00 410.33 2,713.43 9.77 64.61 8.79 13.70

16 10,000.00 20,000.00 1,158 8,695 9.82 73.74 18,156.30 37,958.76 1.53 3.21 4 15 20.00 75.00 1,212.73 3,926.16 28.88 93.49 6.68 10.34

17 20,000.00 50,000.00 1,244 9,939 10.55 84.29 43,643.63 81,602.39 3.69 6.89 1 16 5.00 80.00 67.08 3,993.24 1.60 95.09 0.15 4.89

18 50,000.00 100,000.00 697 10,636 5.91 90.20 54,815.13 136,417.53 4.63 11.52 0 16 0.00 80.00 0.00 3,993.24 0.00 95.09 0.00 2.93

19 100,000.00 500,000.00 853 11,489 7.23 97.44 200,797.27 337,214.79 16.96 28.49 3 19 15.00 95.00 153.86 4,147.10 3.66 98.75 0.08 1.23

20 500,000.00 UP 302 11,791 2.56 100.00 663,725.06 1,000,939.85 56.07 84.56 1 20 5.00 100.00 52.50 4,199.60 1.25 100.00 0.01 0.42

182,821.68 1,183,761.53 15.44 100.00 0 20 0.00 100.00 0.00 4,199.60 0.00 100.00 0.00 0.35



RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


31/12/2010

01/03/2011

01/01/2009

* ) Multilocation

FROM TO


∑(l)

PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)





ZONE : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 2,781 2,781 6.72 6.72 483.32 483.32 0.17 0.17 11 11 1.52 1.52 150.27 150.27 0.24 0.24 31.09 31.09

2 50.00 100.00 3,198 5,979 7.72 14.44 518.61 1,001.93 0.19 0.36 51 62 7.02 8.54 816.67 966.94 1.28 1.52 157.47 96.51

3 100.00 200.00 5,682 11,661 13.72 28.16 1,364.32 2,366.25 0.49 0.85 143 205 19.70 28.24 2,843.80 3,810.74 4.47 5.99 208.44 161.05

4 200.00 300.00 4,498 16,159 10.86 39.02 1,452.18 3,818.43 0.52 1.37 171 376 23.55 51.79 6,946.68 10,757.42 10.92 16.92 478.36 281.72

5 300.00 500.00 5,763 21,922 13.92 52.93 2,660.46 6,478.90 0.95 2.33 155 531 21.35 73.14 12,033.58 22,791.00 18.92 35.84 452.31 351.77

6 500.00 750.00 5,104 27,026 12.32 65.26 3,700.26 10,179.15 1.33 3.65 103 634 14.19 87.33 14,350.54 37,141.54 22.57 58.41 387.83 364.88

7 750.00 1,000.00 2,483 29,509 6.00 71.25 2,573.38 12,752.54 0.92 4.58 30 664 4.13 91.46 4,706.06 41,847.60 7.40 65.81 182.87 328.15

8 1,000.00 1,500.00 3,503 33,012 8.46 79.71 4,949.80 17,702.34 1.78 6.35 30 694 4.13 95.59 4,536.01 46,383.61 7.13 72.94 91.64 262.02

9 1,500.00 2,000.00 1,819 34,831 4.39 84.10 3,703.59 21,405.93 1.33 7.68 16 710 2.20 97.80 6,087.24 52,470.85 9.57 82.52 164.36 245.12

10 2,000.00 2,500.00 1,222 36,053 2.95 87.06 3,158.93 24,564.86 1.13 8.82 2 712 0.28 98.07 713.44 53,184.29 1.12 83.64 22.58 216.51

11 2,500.00 3,000.00 778 36,831 1.88 88.93 2,514.47 27,079.33 0.90 9.72 5 717 0.69 98.76 6,266.22 59,450.51 9.85 93.49 249.21 219.54

12 3,000.00 4,000.00 999 37,830 2.41 91.35 4,032.22 31,111.55 1.45 11.17 2 719 0.28 99.04 350.08 59,800.59 0.55 94.04 8.68 192.21

13 4,000.00 5,000.00 614 38,444 1.48 92.83 3,329.90 34,441.45 1.20 12.36 2 721 0.28 99.31 821.69 60,622.28 1.29 95.34 24.68 176.02

14 5,000.00 7,500.00 918 39,362 2.22 95.05 6,596.38 41,037.83 2.37 14.73 3 724 0.41 99.72 1,560.10 62,182.38 2.45 97.79 23.65 151.52

15 7,500.00 10,000.00 445 39,807 1.07 96.12 4,472.41 45,510.23 1.61 16.34 0 724 0.00 99.72 0.00 62,182.38 0.00 97.79 0.00 136.63

16 10,000.00 20,000.00 729 40,536 1.76 97.88 11,893.30 57,403.53 4.27 20.60 2 726 0.28 100.00 1,405.96 63,588.34 2.21 100.00 11.82 110.77

17 20,000.00 50,000.00 425 40,961 1.03 98.91 15,453.31 72,856.84 5.55 26.15 0 726 0.00 100.00 0.00 63,588.34 0.00 100.00 0.00 87.28

18 50,000.00 100,000.00 152 41,113 0.37 99.27 14,212.34 87,069.18 5.10 31.25 0 726 0.00 100.00 0.00 63,588.34 0.00 100.00 0.00 73.03

19 100,000.00 500,000.00 252 41,365 0.61 99.88 71,303.59 158,372.77 25.59 56.85 0 726 0.00 100.00 0.00 63,588.34 0.00 100.00 0.00 40.15

20 500,000.00 UP 49 41,414 0.12 100.00 75,877.09 234,249.87 27.24 84.08 0 726 0.00 100.00 0.00 63,588.34 0.00 100.00 0.00 27.15

44,343.84 278,593.71 15.92 100.00 0 726 0.00 100.00 0.00 63,588.34 0.00 100.00 0.00 22.82




RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


31/12/2010

01/03/2011

01/01/2009

* ) Multilocation

FROM TO


∑(l)

PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)




ZONE : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 4 4 0.64 0.64 0.27 0.27 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 5 9 0.80 1.44 0.39 0.65 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 41 50 6.55 7.99 4.50 5.16 0.03 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 22 72 3.51 11.50 5.05 10.21 0.03 0.06 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 25 97 3.99 15.50 11.16 21.37 0.06 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 20 117 3.19 18.69 12.86 34.23 0.07 0.19 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 13 130 2.08 20.77 12.22 46.45 0.07 0.26 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 26 156 4.15 24.92 36.60 83.05 0.20 0.47 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 16 172 2.56 27.48 31.56 114.61 0.18 0.64 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 20 192 3.19 30.67 51.64 166.25 0.29 0.93 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 17 209 2.72 33.39 49.67 215.92 0.28 1.21 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 21 230 3.35 36.74 77.60 293.52 0.43 1.64 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 30 260 4.79 41.53 151.13 444.64 0.85 2.49 1 1 25.00 25.00 10.00 10.00 0.23 0.23 6.62 2.25

14 5,000.00 7,500.00 55 315 8.79 50.32 362.11 806.75 2.03 4.52 0 1 0.00 25.00 0.00 10.00 0.00 0.23 0.00 1.24

15 7,500.00 10,000.00 39 354 6.23 56.55 326.21 1,132.97 1.83 6.35 0 1 0.00 25.00 0.00 10.00 0.00 0.23 0.00 0.88

16 10,000.00 20,000.00 110 464 17.57 74.12 1,452.30 2,585.26 8.13 14.48 1 2 25.00 50.00 600.00 610.00 13.79 14.02 41.31 23.60

17 20,000.00 50,000.00 83 547 13.26 87.38 2,844.56 5,429.82 15.93 30.41 1 3 25.00 75.00 1,929.99 2,539.99 44.37 58.39 67.85 46.78

18 50,000.00 100,000.00 29 576 4.63 92.01 2,424.75 7,854.58 13.58 43.99 0 3 0.00 75.00 0.00 2,539.99 0.00 58.39 0.00 32.34

19 100,000.00 500,000.00 48 624 7.67 99.68 8,100.47 15,955.05 45.37 89.36 1 4 25.00 100.00 1,810.04 4,350.03 41.61 100.00 22.34 27.26

20 500,000.00 UP 2 626 0.32 100.00 1,873.23 17,828.28 10.49 99.86 0 4 0.00 100.00 0.00 4,350.03 0.00 100.00 0.00 24.40

25.69 17,853.97 0.14 100.00 0 4 0.00 100.00 0.00 4,350.03 0.00 100.00 0.00 24.36




RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


31/12/2010

01/03/2011

01/01/2008

* ) Multilocation

FROM TO


∑(l)

PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)




ZONE : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 10,769 10,769 16.57 16.57 272.72 272.72 0.06 0.06 5 5 0.92 0.92 69.46 69.46 0.02 0.02 25.47 25.47

2 50.00 100.00 6,363 17,132 9.79 26.35 412.50 685.22 0.09 0.15 15 20 2.77 3.70 856.14 925.61 0.25 0.27 207.55 135.08

3 100.00 200.00 7,353 24,485 11.31 37.66 1,040.53 1,725.75 0.23 0.38 37 57 6.84 10.54 1,471.99 2,397.60 0.43 0.70 141.47 138.93

4 200.00 300.00 4,408 28,893 6.78 44.44 1,191.70 2,917.45 0.26 0.64 43 100 7.95 18.48 2,533.52 4,931.12 0.74 1.44 212.60 169.02

5 300.00 500.00 5,703 34,596 8.77 53.22 2,628.08 5,545.53 0.57 1.21 58 158 10.72 29.21 7,225.01 12,156.13 2.10 3.54 274.92 219.21

6 500.00 750.00 8,556 43,152 13.16 66.38 6,426.81 11,972.34 1.40 2.61 61 219 11.28 40.48 12,441.01 24,597.14 3.62 7.16 193.58 205.45

7 750.00 1,000.00 4,039 47,191 6.21 72.59 4,149.29 16,121.63 0.90 3.51 22 241 4.07 44.55 7,170.94 31,768.08 2.09 9.25 172.82 197.05

8 1,000.00 1,500.00 4,271 51,462 6.57 79.16 6,256.78 22,378.41 1.36 4.88 49 290 9.06 53.60 9,229.53 40,997.61 2.69 11.94 147.51 183.20

9 1,500.00 2,000.00 2,273 53,735 3.50 82.66 4,584.28 26,962.68 1.00 5.88 34 324 6.28 59.89 16,263.84 57,261.46 4.74 16.68 354.77 212.37

10 2,000.00 2,500.00 1,772 55,507 2.73 85.38 4,627.08 31,589.76 1.01 6.88 21 345 3.88 63.77 14,252.53 71,513.98 4.15 20.83 308.02 226.38

11 2,500.00 3,000.00 1,092 56,599 1.68 87.06 3,555.78 35,145.55 0.77 7.66 16 361 2.96 66.73 13,347.98 84,861.97 3.89 24.71 375.39 241.46

12 3,000.00 4,000.00 1,579 58,178 2.43 89.49 6,265.75 41,411.29 1.37 9.02 19 380 3.51 70.24 14,226.23 99,088.20 4.14 28.86 227.05 239.28

13 4,000.00 5,000.00 1,002 59,180 1.54 91.03 5,300.85 46,712.14 1.16 10.18 16 396 2.96 73.20 2,639.97 101,728.17 0.77 29.63 49.80 217.78

14 5,000.00 7,500.00 1,585 60,765 2.44 93.47 11,216.92 57,929.07 2.44 12.62 21 417 3.88 77.08 5,364.20 107,092.37 1.56 31.19 47.82 184.87

15 7,500.00 10,000.00 747 61,512 1.15 94.62 7,440.53 65,369.59 1.62 14.25 15 432 2.77 79.85 29,347.55 136,439.92 8.55 39.73 394.43 208.72

16 10,000.00 20,000.00 1,442 62,954 2.22 96.84 22,971.88 88,341.48 5.01 19.25 34 466 6.28 86.14 55,814.26 192,254.18 16.25 55.99 242.97 217.63

17 20,000.00 50,000.00 1,112 64,066 1.71 98.55 39,962.73 128,304.20 8.71 27.96 12 478 2.22 88.35 5,054.60 197,308.78 1.47 57.46 12.65 153.78

18 50,000.00 100,000.00 448 64,514 0.69 99.24 38,000.39 166,304.60 8.28 36.24 15 493 2.77 91.13 95,770.42 293,079.20 27.89 85.35 252.02 176.23

19 100,000.00 500,000.00 422 64,936 0.65 99.89 109,589.61 275,894.20 23.88 60.12 29 522 5.36 96.49 13,044.89 306,124.08 3.80 89.15 11.90 110.96

20 500,000.00 UP 73 65,009 0.11 100.00 103,694.04 379,588.24 22.60 82.72 14 536 2.59 99.08 6,431.53 312,555.61 1.87 91.02 6.20 82.34

79,287.03 458,875.28 17.28 100.00 5 541 0.92 100.00 30,827.32 343,382.93 8.98 100.00 38.88 74.83



RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


01/01/2008

* ) Multilocation

FROM TO


∑(l)

PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)


31/12/2010

01/03/2011




ZONE : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 314 314 3.21 3.21 10.05 10.05 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 409 723 4.18 7.40 28.63 38.69 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 358 1,081 3.66 11.06 56.72 95.40 0.00 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 300 1,381 3.07 14.13 94.87 190.28 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 400 1,781 4.09 18.22 195.80 386.08 0.02 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 476 2,257 4.87 23.09 366.20 752.27 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 1,000.00 294 2,551 3.01 26.10 326.48 1,078.75 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 1,500.00 543 3,094 5.56 31.66 758.27 1,837.02 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 2,000.00 442 3,536 4.52 36.18 932.32 2,769.34 0.08 0.22 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 349 3,885 3.57 39.75 930.02 3,699.36 0.08 0.30 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 286 4,171 2.93 42.68 957.54 4,656.90 0.08 0.38 1 1 7.14 7.14 79.89 79.89 0.09 0.09 8.34 1.72

12 3,000.00 4,000.00 435 4,606 4.45 47.13 1,813.71 6,470.62 0.15 0.52 0 1 0.00 7.14 0.00 79.89 0.00 0.09 0.00 1.23

13 4,000.00 5,000.00 338 4,944 3.46 50.59 1,825.30 8,295.92 0.15 0.67 0 1 0.00 7.14 0.00 79.89 0.00 0.09 0.00 0.96

14 5,000.00 7,500.00 686 5,630 7.02 57.61 5,171.42 13,467.34 0.42 1.09 2 3 14.29 21.43 5.66 85.55 0.01 0.10 0.11 0.64

15 7,500.00 10,000.00 420 6,050 4.30 61.91 4,416.78 17,884.13 0.36 1.45 0 3 0.00 21.43 0.00 85.55 0.00 0.10 0.00 0.48

16 10,000.00 20,000.00 971 7,021 9.94 71.84 16,607.75 34,491.87 1.34 2.79 2 5 14.29 35.71 1,222.55 1,308.10 1.42 1.52 7.36 3.79

17 20,000.00 50,000.00 1,087 8,108 11.12 82.96 42,556.09 77,047.96 3.44 6.23 2 7 14.29 50.00 427.57 1,735.68 0.50 2.01 1.00 2.25

18 50,000.00 100,000.00 645 8,753 6.60 89.56 56,680.75 133,728.71 4.58 10.81 2 9 14.29 64.29 2,628.28 4,363.96 3.05 5.07 4.64 3.26

19 100,000.00 500,000.00 753 9,506 7.70 97.27 196,103.77 329,832.48 15.85 26.66 1 10 7.14 71.43 32,000.00 36,363.96 37.15 42.21 16.32 11.02

20 500,000.00 UP 267 9,773 2.73 100.00 724,360.14 1,054,192.62 58.54 85.20 4 14 28.57 100.00 49,781.51 86,145.47 57.79 100.00 6.87 8.17

183,122.89 1,237,315.51 14.80 100.00 0 14 0.00 100.00 0.00 86,145.47 0.00 100.00 0.00 6.96




RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


31/12/2010

01/03/2011

01/01/2008

* ) Multilocation

FROM TO


∑(l)

PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)




ZONE : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 4,001 4,001 11.09 11.09 348.96 348.96 0.16 0.16 2 2 0.95 0.95 8.99 8.99 0.04 0.04 2.58 2.58

2 50.00 100.00 2,435 6,436 6.75 17.84 844.23 1,193.19 0.39 0.55 13 15 6.16 7.11 289.15 298.15 1.20 1.24 34.25 24.99

3 100.00 200.00 4,707 11,143 13.05 30.89 1,390.49 2,583.68 0.64 1.20 39 54 18.48 25.59 471.05 769.20 1.96 3.20 33.88 29.77

4 200.00 300.00 4,014 15,157 11.13 42.02 1,288.92 3,872.60 0.60 1.79 50 104 23.70 49.29 1,048.23 1,817.43 4.36 7.57 81.33 46.93

5 300.00 500.00 5,025 20,182 13.93 55.95 2,389.20 6,261.81 1.11 2.90 47 151 22.27 71.56 2,154.12 3,971.55 8.97 16.54 90.16 63.42

6 500.00 750.00 4,267 24,449 11.83 67.78 3,281.25 9,543.06 1.52 4.42 27 178 12.80 84.36 6,625.58 10,597.13 27.59 44.12 201.92 111.05

7 750.00 1,000.00 1,993 26,442 5.53 73.31 2,139.34 11,682.40 0.99 5.41 12 190 5.69 90.05 4,163.97 14,761.11 17.34 61.46 194.64 126.35

8 1,000.00 1,500.00 2,718 29,160 7.54 80.84 4,070.78 15,753.18 1.88 7.29 9 199 4.27 94.31 1,568.71 16,329.82 6.53 67.99 38.54 103.66

9 1,500.00 2,000.00 1,455 30,615 4.03 84.88 3,033.22 18,786.40 1.40 8.70 2 201 0.95 95.26 916.22 17,246.03 3.81 71.80 30.21 91.80

10 2,000.00 2,500.00 949 31,564 2.63 87.51 2,598.43 21,384.83 1.20 9.90 2 203 0.95 96.21 1,314.24 18,560.27 5.47 77.28 50.58 86.79

11 2,500.00 3,000.00 623 32,187 1.73 89.23 2,077.78 23,462.61 0.96 10.86 1 204 0.47 96.68 4.47 18,564.75 0.02 77.29 0.22 79.12

12 3,000.00 4,000.00 808 32,995 2.24 91.47 3,479.39 26,942.00 1.61 12.47 3 207 1.42 98.10 1,539.74 20,104.49 6.41 83.71 44.25 74.62

13 4,000.00 5,000.00 542 33,537 1.50 92.98 3,075.84 30,017.85 1.42 13.90 2 209 0.95 99.05 3,755.27 23,859.76 15.64 99.34 122.09 79.49

14 5,000.00 7,500.00 712 34,249 1.97 94.95 5,255.83 35,273.68 2.43 16.33 1 210 0.47 99.53 148.49 24,008.25 0.62 99.96 2.83 68.06

15 7,500.00 10,000.00 515 34,764 1.43 96.38 5,532.59 40,806.27 2.56 18.89 0 210 0.00 99.53 0.00 24,008.25 0.00 99.96 0.00 58.83

16 10,000.00 20,000.00 556 35,320 1.54 97.92 9,279.19 50,085.45 4.30 23.19 0 210 0.00 99.53 0.00 24,008.25 0.00 99.96 0.00 47.93

17 20,000.00 50,000.00 353 35,673 0.98 98.90 14,023.79 64,109.25 6.49 29.68 0 210 0.00 99.53 0.00 24,008.25 0.00 99.96 0.00 37.45

18 50,000.00 100,000.00 137 35,810 0.38 99.28 13,027.46 77,136.70 6.03 35.71 0 210 0.00 99.53 0.00 24,008.25 0.00 99.96 0.00 31.12

19 100,000.00 500,000.00 219 36,029 0.61 99.89 66,005.10 143,141.80 30.56 66.27 1 211 0.47 100.00 10.00 24,018.25 0.04 100.00 0.02 16.78

20 500,000.00 UP 41 36,070 0.11 100.00 62,441.33 205,583.13 28.91 95.18 0 211 0.00 100.00 0.00 24,018.25 0.00 100.00 0.00 11.68

10,421.86 216,004.99 4.82 100.00 0 211 0.00 100.00 0.00 24,018.25 0.00 100.00 0.00 11.12




RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


31/12/2010

01/03/2011

01/01/2008

* ) Multilocation

FROM TO


∑(l)

PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)



PROVINCE : Agricultural

OCCUPATION : All TO

PROCESSING DATE

Table

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)


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 1.69 1.93 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 14 22 3.38 5.31 0.98 1.53 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 10 32 2.42 7.73 1.45 2.98 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 11 43 2.66 10.39 4.55 7.53 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 17 60 4.11 14.49 11.80 19.33 0.12 0.19 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 74 3.38 17.87 14.39 33.72 0.14 0.34 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 84 2.42 20.29 14.19 47.91 0.14 0.48 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 96 2.90 23.19 24.66 72.58 0.25 0.73 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 4 100 0.97 24.15 10.00 82.58 0.10 0.83 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 9 109 2.17 26.33 29.97 112.56 0.30 1.13 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 17 126 4.11 30.43 66.03 178.58 0.66 1.79 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 13 139 3.14 33.57 61.94 240.53 0.62 2.42 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 44 183 10.63 44.20 259.82 500.35 2.61 5.03 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 21 204 5.07 49.28 188.17 688.52 1.89 6.92 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 81 285 19.57 68.84 1,148.50 1,837.02 11.54 18.46 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 61 346 14.73 83.57 1,910.65 3,747.68 19.20 37.66 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 43 389 10.39 93.96 2,306.15 6,053.82 23.17 60.83 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 25 414 6.04 100.00 3,898.41 9,952.24 39.17 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 0 414 0.00 100.00 0.00 9,952.24 0.00 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 9,952.24 0.00 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00



∑(l)


RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)


31/12/2010

01/03/2011

01/01/2007

* ) Multilocation

FROM TO



PROVINCE : Commercial

OCCUPATION : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 3,288 3,288 8.40 8.40 98.05 98.05 0.02 0.02 3 3 1.17 1.17 62.89 62.89 0.08 0.08 64.14 64.14

2 50.00 100.00 1,945 5,233 4.97 13.37 197.63 295.68 0.05 0.07 3 6 1.17 2.34 42.95 105.84 0.05 0.13 21.73 35.79

3 100.00 200.00 3,937 9,170 10.06 23.44 651.88 947.56 0.17 0.24 6 12 2.34 4.69 72.01 177.85 0.09 0.22 11.05 18.77

4 200.00 300.00 2,928 12,098 7.48 30.92 824.50 1,772.06 0.21 0.45 17 29 6.64 11.33 435.29 613.13 0.53 0.75 52.79 34.60

5 300.00 500.00 4,321 16,419 11.04 41.96 1,997.89 3,769.95 0.51 0.96 37 66 14.45 25.78 1,413.62 2,026.76 1.74 2.49 70.76 53.76

6 500.00 750.00 4,406 20,825 11.26 53.22 3,200.35 6,970.31 0.81 1.77 29 95 11.33 37.11 1,485.36 3,512.12 1.83 4.32 46.41 50.39

7 750.00 1,000.00 2,367 23,192 6.05 59.27 2,389.66 9,359.97 0.61 2.37 20 115 7.81 44.92 470.92 3,983.04 0.58 4.89 19.71 42.55

8 1,000.00 1,500.00 3,621 26,813 9.25 68.53 5,075.82 14,435.79 1.29 3.66 37 152 14.45 59.38 2,134.53 6,117.57 2.62 7.52 42.05 42.38

9 1,500.00 2,000.00 2,026 28,839 5.18 73.70 3,986.81 18,422.60 1.01 4.67 11 163 4.30 63.67 1,328.32 7,445.89 1.63 9.15 33.32 40.42

10 2,000.00 2,500.00 1,548 30,387 3.96 77.66 3,956.34 22,378.93 1.00 5.68 9 172 3.52 67.19 709.59 8,155.48 0.87 10.02 17.94 36.44

11 2,500.00 3,000.00 961 31,348 2.46 80.12 3,048.00 25,426.93 0.77 6.45 8 180 3.13 70.31 1,174.87 9,330.36 1.44 11.46 38.55 36.69

12 3,000.00 4,000.00 1,439 32,787 3.68 83.79 5,900.61 31,327.54 1.50 7.94 13 193 5.08 75.39 3,123.33 12,453.69 3.84 15.30 52.93 39.75

13 4,000.00 5,000.00 908 33,695 2.32 86.11 4,680.67 36,008.21 1.19 9.13 8 201 3.13 78.52 754.48 13,208.16 0.93 16.23 16.12 36.68

14 5,000.00 7,500.00 1,472 35,167 3.76 89.88 10,273.09 46,281.30 2.61 11.74 12 213 4.69 83.20 1,737.97 14,946.13 2.14 18.36 16.92 32.29

15 7,500.00 10,000.00 793 35,960 2.03 91.90 7,846.34 54,127.64 1.99 13.73 1 214 0.39 83.59 37.93 14,984.06 0.05 18.41 0.48 27.68

16 10,000.00 20,000.00 1,252 37,212 3.20 95.10 20,066.77 74,194.41 5.09 18.82 8 222 3.13 86.72 2,267.02 17,251.08 2.79 21.20 11.30 23.25

17 20,000.00 50,000.00 1,064 38,276 2.72 97.82 37,940.30 112,134.72 9.62 28.44 8 230 3.13 89.84 4,530.50 21,781.58 5.57 26.76 11.94 19.42

18 50,000.00 100,000.00 415 38,691 1.06 98.88 34,338.73 146,473.44 8.71 37.15 7 237 2.73 92.58 4,422.85 26,204.43 5.43 32.20 12.88 17.89

19 100,000.00 500,000.00 375 39,066 0.96 99.84 98,494.66 244,968.10 24.98 62.12 12 249 4.69 97.27 4,795.59 31,000.02 5.89 38.09 4.87 12.65

20 500,000.00 UP 62 39,128 0.16 100.00 73,054.93 318,023.04 18.53 80.65 3 252 1.17 98.44 106.18 31,106.20 0.13 38.22 0.15 9.78

76,296.87 394,319.91 19.35 100.00 4 256 1.56 100.00 50,277.79 81,383.98 61.78 100.00 65.90 20.64


PERCENTAGE PERCENTAGE F

∑(l)


RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)


31/12/2010

01/03/2011

01/01/2007

* ) Multilocation

FROM TO

PERCENTAGE



PROVINCE : Industrial

OCCUPATION : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 297 297 2.53 2.53 9.08 9.08 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 501 798 4.27 6.79 44.51 53.58 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 762 1,560 6.49 13.28 141.61 195.20 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 401 1,961 3.41 16.70 118.56 313.76 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 516 2,477 4.39 21.09 236.21 549.97 0.02 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 652 3,129 5.55 26.64 457.15 1,007.12 0.04 0.08 1 1 11.11 11.11 18.53 18.53 0.72 0.72 4.05 1.84

7 750.00 1,000.00 421 3,550 3.58 30.22 457.56 1,464.68 0.04 0.11 0 1 0.00 11.11 0.00 18.53 0.00 0.72 0.00 1.27

8 1,000.00 1,500.00 1,761 5,311 14.99 45.22 1,404.23 2,868.91 0.11 0.22 0 1 0.00 11.11 0.00 18.53 0.00 0.72 0.00 0.65

9 1,500.00 2,000.00 433 5,744 3.69 48.90 881.40 3,750.31 0.07 0.29 0 1 0.00 11.11 0.00 18.53 0.00 0.72 0.00 0.49

10 2,000.00 2,500.00 382 6,126 3.25 52.15 994.34 4,744.65 0.08 0.36 0 1 0.00 11.11 0.00 18.53 0.00 0.72 0.00 0.39

11 2,500.00 3,000.00 298 6,424 2.54 54.69 947.14 5,691.78 0.07 0.44 0 1 0.00 11.11 0.00 18.53 0.00 0.72 0.00 0.33

12 3,000.00 4,000.00 409 6,833 3.48 58.17 1,627.61 7,319.40 0.13 0.56 0 1 0.00 11.11 0.00 18.53 0.00 0.72 0.00 0.25

13 4,000.00 5,000.00 317 7,150 2.70 60.87 1,747.33 9,066.73 0.13 0.70 0 1 0.00 11.11 0.00 18.53 0.00 0.72 0.00 0.20

14 5,000.00 7,500.00 629 7,779 5.36 66.23 4,376.95 13,443.68 0.34 1.03 0 1 0.00 11.11 0.00 18.53 0.00 0.72 0.00 0.14

15 7,500.00 10,000.00 415 8,194 3.53 69.76 4,117.64 17,561.32 0.32 1.35 0 1 0.00 11.11 0.00 18.53 0.00 0.72 0.00 0.11

16 10,000.00 20,000.00 963 9,157 8.20 77.96 15,827.43 33,388.74 1.22 2.56 1 2 11.11 22.22 6.50 25.03 0.25 0.98 0.04 0.07

17 20,000.00 50,000.00 1,034 10,191 8.80 86.76 37,545.31 70,934.06 2.88 5.45 5 7 55.56 77.78 2,062.45 2,087.48 80.64 81.62 5.49 2.94

18 50,000.00 100,000.00 633 10,824 5.39 92.15 51,477.28 122,411.34 3.95 9.40 2 9 22.22 100.00 470.14 2,557.62 18.38 100.00 0.91 2.09

19 100,000.00 500,000.00 669 11,493 5.70 97.85 161,720.49 284,131.83 12.42 21.83 0 9 0.00 100.00 0.00 2,557.62 0.00 100.00 0.00 0.90

20 500,000.00 UP 253 11,746 2.15 100.00 775,115.09 1,059,246.92 59.54 81.37 0 9 0.00 100.00 0.00 2,557.62 0.00 100.00 0.00 0.24

242,512.88 1,301,759.80 18.63 100.00 0 9 0.00 100.00 0.00 2,557.62 0.00 100.00 0.00 0.20



∑(l)


RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)


31/12/2010

01/03/2011

01/01/2007

* ) Multilocation

FROM TO

PERCENTAGE



PROVINCE : Residential

OCCUPATION : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 3,222 3,222 10.20 10.20 207.49 207.49 0.14 0.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 1,755 4,977 5.55 15.75 213.59 421.08 0.14 0.28 2 2 1.85 1.85 23.39 23.39 0.83 0.83 10.95 5.55

3 100.00 200.00 4,011 8,988 12.70 28.45 707.81 1,128.89 0.46 0.74 17 19 15.74 17.59 199.56 222.95 7.07 7.90 28.19 19.75

4 200.00 300.00 3,628 12,616 11.48 39.93 1,040.37 2,169.26 0.68 1.42 20 39 18.52 36.11 296.96 519.91 10.52 18.42 28.54 23.97

5 300.00 500.00 4,668 17,284 14.77 54.71 2,129.79 4,299.05 1.40 2.82 27 66 25.00 61.11 823.62 1,343.52 29.17 47.59 38.67 31.25

6 500.00 750.00 3,927 21,211 12.43 67.14 2,924.82 7,223.87 1.92 4.74 24 90 22.22 83.33 797.66 2,141.18 28.25 75.84 27.27 29.64

7 750.00 1,000.00 1,814 23,025 5.74 72.88 1,907.83 9,131.71 1.25 5.99 4 94 3.70 87.04 177.66 2,318.85 6.29 82.14 9.31 25.39

8 1,000.00 1,500.00 2,613 25,638 8.27 81.15 3,828.07 12,959.78 2.51 8.50 3 97 2.78 89.81 123.38 2,442.22 4.37 86.51 3.22 18.84

9 1,500.00 2,000.00 1,289 26,927 4.08 85.23 2,633.61 15,593.38 1.73 10.23 4 101 3.70 93.52 147.66 2,589.89 5.23 91.74 5.61 16.61

10 2,000.00 2,500.00 836 27,763 2.65 87.87 2,196.99 17,790.37 1.44 11.67 3 104 2.78 96.30 199.00 2,788.88 7.05 98.79 9.06 15.68

11 2,500.00 3,000.00 565 28,328 1.79 89.66 1,850.54 19,640.91 1.21 12.88 1 105 0.93 97.22 12.70 2,801.59 0.45 99.24 0.69 14.26

12 3,000.00 4,000.00 723 29,051 2.29 91.95 2,915.20 22,556.11 1.91 14.79 0 105 0.00 97.22 0.00 2,801.59 0.00 99.24 0.00 12.42

13 4,000.00 5,000.00 481 29,532 1.52 93.47 2,528.57 25,084.68 1.66 16.45 1 106 0.93 98.15 5.45 2,807.03 0.19 99.43 0.22 11.19

14 5,000.00 7,500.00 615 30,147 1.95 95.42 4,406.23 29,490.90 2.89 19.34 1 107 0.93 99.07 5.27 2,812.30 0.19 99.62 0.12 9.54

15 7,500.00 10,000.00 433 30,580 1.37 96.79 4,289.01 33,779.92 2.81 22.15 0 107 0.00 99.07 0.00 2,812.30 0.00 99.62 0.00 8.33

16 10,000.00 20,000.00 430 31,010 1.36 98.15 6,988.65 40,768.57 4.58 26.74 0 107 0.00 99.07 0.00 2,812.30 0.00 99.62 0.00 6.90

17 20,000.00 50,000.00 256 31,266 0.81 98.96 8,944.66 49,713.23 5.87 32.60 0 107 0.00 99.07 0.00 2,812.30 0.00 99.62 0.00 5.66

18 50,000.00 100,000.00 132 31,398 0.42 99.38 12,177.26 61,890.49 7.99 40.59 0 107 0.00 99.07 0.00 2,812.30 0.00 99.62 0.00 4.54

19 100,000.00 500,000.00 164 31,562 0.52 99.90 46,120.29 108,010.78 30.25 70.84 1 108 0.93 100.00 10.86 2,823.16 0.38 100.00 0.02 2.61

20 500,000.00 UP 32 31,594 0.10 100.00 39,255.49 147,266.27 25.75 96.59 0 108 0.00 100.00 0.00 2,823.16 0.00 100.00 0.00 1.92

5,205.78 152,472.05 3.41 100.00 0 108 0.00 100.00 0.00 2,823.16 0.00 100.00 0.00 1.85



∑(l)


RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)


31/12/2010

01/03/2011

01/01/2007

FROM

* ) Multilocation

TO

PERCENTAGE



PROVINCE : Agricultural

OCCUPATION : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 15 15 3.23 3.23 0.83 0.83 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 21 1.29 4.53 0.53 1.36 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 12 33 2.59 7.11 1.85 3.22 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 7 40 1.51 8.62 1.83 5.05 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 15 55 3.23 11.85 6.79 11.83 0.07 0.11 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 24 79 5.17 17.03 17.57 29.40 0.17 0.29 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 15 94 3.23 20.26 15.75 45.15 0.15 0.44 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 18 112 3.88 24.14 26.46 71.61 0.26 0.69 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 13 125 2.80 26.94 25.73 97.34 0.25 0.94 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 8 133 1.72 28.66 15.48 112.82 0.15 1.09 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 9 142 1.94 30.60 23.58 136.41 0.23 1.32 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 28 170 6.03 36.64 71.79 208.20 0.70 2.02 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 29 199 6.25 42.89 87.86 296.05 0.85 2.87 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 62 261 13.36 56.25 365.53 661.58 3.55 6.42 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 22 283 4.74 60.99 186.07 847.65 1.80 8.22 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 67 350 14.44 75.43 845.66 1,693.31 8.20 16.42 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 52 402 11.21 86.64 1,740.82 3,434.13 16.88 33.31 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 32 434 6.90 93.53 2,525.62 5,959.74 24.50 57.80 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 29 463 6.25 99.78 3,625.10 9,584.84 35.16 92.96 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 1 464 0.22 100.00 725.68 10,310.52 7.04 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 10,310.52 0.00 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


* ) Multilocation

F

∑(l)

31/12/2010

01/03/2011

01/01/2006

FROM TO

PERCENTAGEPERCENTAGE PERCENTAGE PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp



RISK & LOSS PROFILE




PROVINCE : Commercial

OCCUPATION : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 7,110 7,110 18.60 18.60 1,861.36 1,861.36 0.43 0.43 11 11 3.57 3.57 238.26 238.26 0.42 0.42 12.80 12.80

2 50.00 100.00 2,137 9,247 5.59 24.19 220.13 2,081.49 0.05 0.49 16 27 5.19 8.77 392.19 630.45 0.69 1.11 178.16 30.29

3 100.00 200.00 3,291 12,538 8.61 32.80 536.27 2,617.76 0.13 0.61 21 48 6.82 15.58 549.19 1,179.63 0.97 2.07 102.41 45.06

4 200.00 300.00 2,530 15,068 6.62 39.41 683.59 3,301.35 0.16 0.77 18 66 5.84 21.43 548.95 1,728.59 0.97 3.04 80.30 52.36

5 300.00 500.00 3,750 18,818 9.81 49.22 1,625.11 4,926.46 0.38 1.15 39 105 12.66 34.09 1,639.32 3,367.91 2.88 5.92 100.87 68.36

6 500.00 750.00 3,569 22,387 9.34 58.56 2,402.78 7,329.24 0.56 1.71 40 145 12.99 47.08 2,552.30 5,920.21 4.49 10.41 106.22 80.78

7 750.00 1,000.00 1,905 24,292 4.98 63.54 1,815.29 9,144.53 0.42 2.13 26 171 8.44 55.52 1,444.60 7,364.81 2.54 12.95 79.58 80.54

8 1,000.00 1,500.00 3,269 27,561 8.55 72.09 4,282.63 13,427.16 1.00 3.13 22 193 7.14 62.66 1,637.80 9,002.61 2.88 15.83 38.24 67.05

9 1,500.00 2,000.00 1,712 29,273 4.48 76.57 3,164.04 16,591.20 0.74 3.87 9 202 2.92 65.58 667.97 9,670.58 1.17 17.01 21.11 58.29

10 2,000.00 2,500.00 1,357 30,630 3.55 80.12 3,251.48 19,842.68 0.76 4.63 10 212 3.25 68.83 2,413.06 12,083.64 4.24 21.25 74.21 60.90

11 2,500.00 3,000.00 851 31,481 2.23 82.34 2,478.62 22,321.30 0.58 5.21 8 220 2.60 71.43 1,093.16 13,176.80 1.92 23.18 44.10 59.03

12 3,000.00 4,000.00 1,269 32,750 3.32 85.66 4,728.60 27,049.90 1.10 6.31 10 230 3.25 74.68 1,489.28 14,666.09 2.62 25.79 31.50 54.22

13 4,000.00 5,000.00 822 33,572 2.15 87.81 4,033.81 31,083.71 0.94 7.25 12 242 3.90 78.57 1,151.17 15,817.26 2.02 27.82 28.54 50.89

14 5,000.00 7,500.00 1,287 34,859 3.37 91.18 8,288.62 39,372.33 1.93 9.18 9 251 2.92 81.49 5,269.32 21,086.58 9.27 37.09 63.57 53.56

15 7,500.00 10,000.00 650 35,509 1.70 92.88 5,997.80 45,370.13 1.40 10.58 8 259 2.60 84.09 1,616.29 22,702.86 2.84 39.93 26.95 50.04

16 10,000.00 20,000.00 1,153 36,662 3.02 95.90 16,671.10 62,041.23 3.89 14.47 11 270 3.57 87.66 6,524.42 29,227.28 11.48 51.41 39.14 47.11

17 20,000.00 50,000.00 809 37,471 2.12 98.01 26,498.11 88,539.35 6.18 20.65 10 280 3.25 90.91 2,364.79 31,592.07 4.16 55.56 8.92 35.68

18 50,000.00 100,000.00 328 37,799 0.86 98.87 24,974.77 113,514.11 5.82 26.47 12 292 3.90 94.81 7,248.45 38,840.52 12.75 68.31 29.02 34.22

19 100,000.00 500,000.00 360 38,159 0.94 99.81 85,647.01 199,161.12 19.97 46.45 9 301 2.92 97.73 5,598.63 44,439.14 9.85 78.16 6.54 22.31

20 500,000.00 UP 72 38,231 0.19 100.00 119,824.31 318,985.44 27.95 74.39 4 305 1.30 99.03 46.88 44,486.03 0.08 78.24 0.04 13.95

109,788.98 428,774.41 25.61 100.00 3 308 0.97 100.00 12,370.41 56,856.43 21.76 100.00 11.27 13.26


01/01/2006

FROM

* ) Multilocation

TO


∑(l)


RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)


31/12/2010

01/03/2011



PROVINCE : Industrial

OCCUPATION : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 703 703 7.61 7.61 4,131.97 4,131.97 0.33 0.33 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 152 855 1.65 9.26 12.04 4,144.01 0.00 0.33 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 297 1,152 3.22 12.47 55.54 4,199.56 0.00 0.34 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 348 1,500 3.77 16.24 103.07 4,302.63 0.01 0.34 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 637 2,137 6.90 23.14 347.46 4,650.09 0.03 0.37 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 579 2,716 6.27 29.41 449.80 5,099.89 0.04 0.41 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 293 3,009 3.17 32.58 282.33 5,382.22 0.02 0.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 469 3,478 5.08 37.66 615.15 5,997.37 0.05 0.48 1 1 4.76 4.76 87.77 87.77 3.12 3.12 14.27 1.46

9 1,500.00 2,000.00 363 3,841 3.93 41.59 680.27 6,677.64 0.05 0.53 0 1 0.00 4.76 0.00 87.77 0.00 3.12 0.00 1.31

10 2,000.00 2,500.00 308 4,149 3.33 44.92 730.66 7,408.30 0.06 0.59 1 2 4.76 9.52 81.50 169.27 2.89 6.01 11.15 2.28

11 2,500.00 3,000.00 250 4,399 2.71 47.63 700.53 8,108.83 0.06 0.65 1 3 4.76 14.29 113.27 282.54 4.02 10.03 16.17 3.48

12 3,000.00 4,000.00 390 4,789 4.22 51.85 1,398.96 9,507.79 0.11 0.76 3 6 14.29 28.57 206.73 489.27 7.34 17.37 14.78 5.15

13 4,000.00 5,000.00 291 5,080 3.15 55.00 1,323.10 10,830.89 0.11 0.86 1 7 4.76 33.33 7.67 496.94 0.27 17.65 0.58 4.59

14 5,000.00 7,500.00 527 5,607 5.71 60.71 3,377.58 14,208.47 0.27 1.13 3 10 14.29 47.62 143.99 640.93 5.11 22.76 4.26 4.51

15 7,500.00 10,000.00 363 5,970 3.93 64.64 3,227.35 17,435.82 0.26 1.39 3 13 14.29 61.90 334.36 975.29 11.87 34.63 10.36 5.59

16 10,000.00 20,000.00 880 6,850 9.53 74.17 12,762.83 30,198.65 1.02 2.41 0 13 0.00 61.90 0.00 975.29 0.00 34.63 0.00 3.23

17 20,000.00 50,000.00 918 7,768 9.94 84.11 29,435.92 59,634.57 2.35 4.76 2 15 9.52 71.43 58.12 1,033.41 2.06 36.69 0.20 1.73

18 50,000.00 100,000.00 574 8,342 6.21 90.32 41,664.29 101,298.86 3.33 8.08 1 16 4.76 76.19 68.09 1,101.50 2.42 39.11 0.16 1.09

19 100,000.00 500,000.00 623 8,965 6.75 97.07 132,654.14 233,953.01 10.59 18.67 2 18 9.52 85.71 1,618.60 2,720.09 57.47 96.58 1.22 1.16

20 500,000.00 UP 271 9,236 2.93 100.00 791,234.79 1,025,187.80 63.15 81.82 3 21 14.29 100.00 96.18 2,816.28 3.42 100.00 0.01 0.27

227,828.25 1,253,016.05 18.18 100.00 0 21 0.00 100.00 0.00 2,816.28 0.00 100.00 0.00 0.22


31/12/2010

01/03/2011

01/01/2006

FROM TO


∑(l)


RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)


* ) Multilocation



PROVINCE : Residential

OCCUPATION : All TO

PROCESSING DATE

Table

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)


1 0.00 50.00 3,220 3,220 13.60 13.60 4,703.06 4,703.06 6.02 6.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 1,596 4,816 6.74 20.34 128.55 4,831.61 0.16 6.18 1 1 1.82 1.82 1.39 1.39 0.06 0.06 1.09 0.03

3 100.00 200.00 3,250 8,066 13.72 34.06 521.57 5,353.18 0.67 6.85 12 13 21.82 23.64 154.25 155.64 6.27 6.32 29.57 2.91

4 200.00 300.00 2,814 10,880 11.88 45.95 753.59 6,106.77 0.96 7.81 12 25 21.82 45.45 209.37 365.01 8.51 14.83 27.78 5.98

5 300.00 500.00 3,515 14,395 14.84 60.79 1,505.84 7,612.61 1.93 9.74 9 34 16.36 61.82 161.04 526.06 6.54 21.37 10.69 6.91

6 500.00 750.00 2,817 17,212 11.90 72.69 1,915.60 9,528.20 2.45 12.19 5 39 9.09 70.91 152.56 678.61 6.20 27.57 7.96 7.12

7 750.00 1,000.00 1,247 18,459 5.27 77.95 1,213.26 10,741.47 1.55 13.75 2 41 3.64 74.55 61.70 740.31 2.51 30.08 5.09 6.89

8 1,000.00 1,500.00 1,714 20,173 7.24 85.19 2,271.00 13,012.47 2.91 16.65 10 51 18.18 92.73 1,420.00 2,160.32 57.70 87.77 62.53 16.60

9 1,500.00 2,000.00 785 20,958 3.32 88.51 1,498.55 14,511.01 1.92 18.57 1 52 1.82 94.55 10.00 2,170.32 0.41 88.18 0.67 14.96

10 2,000.00 2,500.00 503 21,461 2.12 90.63 1,259.87 15,770.89 1.61 20.18 0 52 0.00 94.55 0.00 2,170.32 0.00 88.18 0.00 13.76

11 2,500.00 3,000.00 350 21,811 1.48 92.11 1,064.82 16,835.71 1.36 21.54 0 52 0.00 94.55 0.00 2,170.32 0.00 88.18 0.00 12.89

12 3,000.00 4,000.00 436 22,247 1.84 93.95 1,705.82 18,541.53 2.18 23.73 1 53 1.82 96.36 5.53 2,175.85 0.22 88.41 0.32 11.73

13 4,000.00 5,000.00 263 22,510 1.11 95.06 1,336.94 19,878.47 1.71 25.44 1 54 1.82 98.18 235.35 2,411.20 9.56 97.97 17.60 12.13

14 5,000.00 7,500.00 338 22,848 1.43 96.49 2,240.31 22,118.79 2.87 28.30 0 54 0.00 98.18 0.00 2,411.20 0.00 97.97 0.00 10.90

15 7,500.00 10,000.00 156 23,004 0.66 97.15 1,505.86 23,624.65 1.93 30.23 0 54 0.00 98.18 0.00 2,411.20 0.00 97.97 0.00 10.21

16 10,000.00 20,000.00 274 23,278 1.16 98.30 4,211.93 27,836.57 5.39 35.62 0 54 0.00 98.18 0.00 2,411.20 0.00 97.97 0.00 8.66

17 20,000.00 50,000.00 238 23,516 1.01 99.31 8,349.99 36,186.57 10.68 46.31 0 54 0.00 98.18 0.00 2,411.20 0.00 97.97 0.00 6.66

18 50,000.00 100,000.00 61 23,577 0.26 99.57 4,938.63 41,125.19 6.32 52.63 1 55 1.82 100.00 50.00 2,461.20 2.03 100.00 1.01 5.98

19 100,000.00 500,000.00 89 23,666 0.38 99.94 20,760.84 61,886.03 26.57 79.19 0 55 0.00 100.00 0.00 2,461.20 0.00 100.00 0.00 3.98

20 500,000.00 UP 14 23,680 0.06 100.00 13,794.91 75,680.94 17.65 96.84 0 55 0.00 100.00 0.00 2,461.20 0.00 100.00 0.00 3.25

2,466.26 78,147.20 3.16 100.00 0 55 0.00 100.00 0.00 2,461.20 0.00 100.00 0.00 3.15


01/01/2006

FROM

* ) Multilocation

TO


∑(l)


RISK & LOSS PROFILE


BAND f F

∑(d)

SUM INSURED (BAND)

(In Million Rp.)

rp


PERCENTAGE

NUMBER OF RISKS

f PERCENTAGE RP

∑(p)

rp RP

∑(h)


31/12/2010

01/03/2011


Peta 7.1 / Map 7.1

S t a t i s t i k A s u r a n s i G e m p a B u m i I n d o n e s i a 2 0 1 0

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


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


TARIF ASURANSI GEMPA BUMI TAHUN 2010

Tariff in %o (mil)

DEFINISI COMMERCIAL AND

INDUSTRIAL :

: Obyek selain okupasi dwelling house (kode okupasi selain 2976)

Steel Frame : struktur bangunan yang menggunakan Baja sebagai rangkanya

Wood : struktur bangunan yang menggunakan kayu sebagai rangkanya

Reinforced Concrete : struktur bangunan yang menggunakan beton bertulang sebagai rangkanya

Others (Incl. No Frame)

: struktur bangunan selain konstruksi baja, beton bertulang atau rangka kayu; termasuk bangunan yang terbuat dari susunan batu tanpa rangka

DWELLING HOUSE : Obyek dengan kode okupasi 2976

Steel, Wood or RC Frame

: struktur bangunan rumah tinggal dengan konstruksi baja, beton bertulang atau rangka kayu

Others : struktur bangunan rumah tinggal selain konstruksi baja, beton bertulang atau rangka kayu termasuk bangunan rumah tinggal yang terbuat dari susunan batu tanpa rangka

Catatan: Basement diperhitungkan dalam menentukan jumlah lantai bangunan bertingkat.

Lampiran 1/ Attachment 1


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



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%

Iebih dari 11 bulan dihitung tarip suku premi penuh


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