hotel ambacang, gempa bumi padang, 30/09/2009...hotel ambacang, gempa bumi padang, 30/09/2009 i...

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Hotel Ambacang, Gempa Bumi Padang, 30/09/2009

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Dengan Hormat, Sesuai dengan tujuan pendirian MAIPARK, MAIPARK selalu berupaya untuk memberikan pelayanan yang terbaik bagi Industri Asuransi Umum di Indonesia khususnya mengenai statistik dan pengetahuan risiko gempa bumi. Dukungan dari seluruh perusahaan asuransi umum sangat berarti bagi kami dalam upaya pengembangan Laporan Statistik ini. Kami berharap Laporan Statistik ini dapat memberikan manfaat tidak hanya bagi perusahaan yang menangani asuransi gempa bumi, namun juga bagi industri asuransi umum di Indonesia. Hormat kami,

Dear Sir / Madam,

In line with the purpose of MAIPARK establishment, MAIPARK always strive to provide the best service for General Insurance Industry in Indonesia particularly regarding statistic and knowledge of Earthquake risks. Support from the General Insurance Industry will be meaningful to us in order to improve this Statistic Report. We hope this Statistic Report will be beneficial not only to the insurance companies which write earthquake insurance but also to the whole general insurance industry in Indonesia. Sincerely,

Kata Pengantar Foreword

Frans Y. Sahusilawane President Director

ii

Hal.

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

Daftar Isi ................................................................. ii

Informasi Statistik ................................................. v

Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Desember 2013 ......................................

A. Umum ................................................................. 1

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

C. Premi Bruto ........................................................ 1

D. Jumlah Risiko ..................................................... 3

E. Incurred Claim .................................................... 4

Exposure Asuransi Gempa Bumi Indonesia ........

Tabel 2.1. Exposure Per Cresta Zone .................... 9

Tabel 2.2. Exposure Per Okupasi .......................... 11

Tabel 2.3. Exposure Per Interest ........................... 13

Tabel 2.4. Exposure Per Provinsi .......................... 15

Premi Bruto Asuransi Gempa Bumi Indonesia ............................................................................. ….

Tabel 3.1. Gross Premium Per Cresta Zone ......... 16

Tabel 3.2. Gross Premium Per Okupasi ................ 18

Tabel 3.3. Gross Premium Per Provinsi ................. 20

Jumlah Risiko Asuransi Gempa Bumi Indonesia ...............................................................

Tabel 4.1. Jumlah Risiko Per Cresta Zone ............ 21

Tabel 4.2. Jumlah Risiko Per Okupasi ................... 23

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

Tabel 5.1. Klaim Frekwensi Per Okupasi ............... 25

Tabel 5.2. Klaim Frekwensi Per Cresta Zone ......... 27

Tabel 5.3. Klaim Per Okupasi ................................ 29

Tabel 5.4. Klaim Per Cresta Zone .......................... 31

Page

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

Contents ............................................................... ii

Statistic Information ............................................ v

Statistic Overview of Indonesian Earthquake Insurance December 2013 .....................................

A. General .............................................................. 1

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

C. Gross Premium ................................................. 1

D. Number of Risk .................................................. 3

E. Incurred Claim ................................................... 4

Indonesian Earthquake Insurance Exposure ......

Table 2.1. Exposure By Cresta Zone ...................... 9

Table 2.2. Exposure By Occupation ..................... 11

Table 2.3. Exposure By Interest ........................... 13

Table 2.4. Exposure By Province .......................... 15

Indonesian Earthquake Insurance Gross Premium .................................................................

Table 3.1. Gross Premium By Cresta Zone ........... 16

Table 3.2. Gross Premium By Occupation ........... 18

Table 3.3. Gross Premium By Province ................ 20

Indonesian Earthquake Insurance Number of Risks .......................................................................

Table 4.1. Number of Risk By Cresta Zone ........... 21

Table 4.2. Number of Risk By Occupation ........... 23

Indonesian Earthquake Insurance Claim ............

Table 5.1. Claim Frequency By Occupation ......... 25

Table 5.2. Claim Frequency By Cresta Zone .......... 27

Table 5.3. Claim By Occupation . .......................... 29

Table 5.4 Claim By Cresta Zone ............................ 31

Daftar Isi Content

s

iii

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

Underwriting Year 2009 -2013,

Seluruh Okupasi .................................................. 33

Underwriting Year 2013, Seluruh Okupasi ........... 34





Profil Risiko dan Klaim Underwriting Year 2013 Per Okupasi ...................................................

Okupasi Agrikultural ............................................. 39

Okupasi Komersial ............................................... 40

Okupasi Industrial ................................................ 41

Okupasi Residensial ............................................. 42
















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

Underwriting Year 2009 -2013, All Occupation ..................................................... 33

Underwriting Year 2013, All Occupation ............ 34

Underwriting Year 2012, All Occupation ............ 35

Underwriting Year 2011, All Occupation ............. 36



Risk and Loss Profile Underwriting Year 2013 By Occupation …. ..........................................

Agricultural Occupation ....................................... 39

Commercial Occupation ...................................... 40

Industrial Occupation .......................................... 41

Residential Occupation ........................................ 42



Commercial Occupation ...................................... 44

Industrial Occupation .......................................... 45




Commercial Occupation ....................................... 48

Industrial Occupation ........................................... 49







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Okupasi Komersial ................................................ 56

Okupasi Industrial ................................................. 57

Okupasi Residential .............................................. 58

Peta

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2013, per 31 Desember 2013 …….. ........................................... 59

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2013 …… ................................................. 60

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2013, per 31 Desember 2013, Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred UY 2013……………………. 61

Damage Ratio ……………….. ................................... 62

Lampiran

1. Daftar Istilah .......................................... 64

2. Tarif Asuransi Gempa Bumi Indonesia …. ................................................................ 66

3. Skala First Loss ....................................... 67

4. Tabel jangka Waktu Pertanggungan Kurang Dari Satu Tahun ......................... 68

5. Skala Indemnity Period .......................... 69

6. Tabel Cresta Zone dan Zona ………………..70

Referensi

1. Badan Pengawas Pasar Modal dan Lembaga

Keuangan (Bapepam-LK).

2. Badan Pusat Statistik (BPS).

*) Laporan Statistik ini dapat diperoleh di website

PT. Asuransi MAIPARK Indonesia

www.maipark.com

Risk and Loss Profile Underwriting Year 2009 By Occupation ..............................................





Map

Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2013, as at 31 December 2013 ................................................... 59

Indonesian Earthquake Distribution M > 5 and Claim Incurred 2013 …………………………..….. .......... 60

Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2013, as at 31 December 2013 , Indonesian Earthquake Distribution M > 5 and Claim Incurred 2013 ........ 61

Damage Ratio ……………….. .................................. 62

Attachments

1. Glossaries .............................................. 64

2. Indonesian Earthquake Insurance Tariff ...................................................... 66

3. First Loss Scale ...................................... 67

4. Short Period Table Less Than One Year Period .................................................... 68

5. Indemnity Period Scale .......................... 69

6. Cresta Zone and Zone Table…………………70

Refference

1. Capital Market and Financial Institution

Supervisory Agency (Bapepam-LK).

2. Central of Statistics Bureau (BPS).

*) Statistic Report is available on PT. Asuransi

MAIPARK Indonesia‘s Website

www.maipark.com

http://www.maipark.com/

http://www.maipark.com/

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1. Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan posisi 31 Desember 2013.

2. Sesi Limit 2.1. Limit Sesi atas setiap risiko (any

one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah sebagai berikut : 2.1.1 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 untuk Underwriting Year 2009, 2010, 2011 dan 2012.

5% (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 25,000,000,000.00 (dua puluh lima milyar Rupiah) atau yang setara dengan USD 2,631,578.00 (dua juta enam ratus tiga puluh satu lima ratus tujuh puluh delapan Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis

1. Statistic Report is based on Underwriting Year basis, which is recorded as at 31 December 2013.

2. Cession Limit

2.1. Cession Limit of any one risk for the combined material damage and business interruption are as follows : 2.1.1 For West Java, Banten

and DKI: 5% (five percent) of

the total sum insured, being 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 for Underwriting Year 2009, 2010, 2011 and 2012.

5% (five percent) of the total sum insured, being a maximum of Rp.25,000,000,000.00 (twenty five billion Indonesian Rupiahs) or equal to USD 2,631,578.00 (two million six hundred thirty one thousand five hundred seventy eight U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2013.

Informasi Statistik Statistic Information

vi

Untuk Underwriting Year 2013.

2.1.2 Untuk daerah Indonesia lainnya : 25% (dua puluh lima

prosen) dari jumlah

seluruh pertanggungan (total sum insured) maksimum USD 2,500,000.00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk

Underwriting Year

2009, 2010, 2011 dan 2012.

25% (dua puluh lima prosen) dari jumlah

seluruh pertanggungan (total sum insured) maksimum Rp. 25,000,000,000.00 (dua puluh lima milyar Rupiah) atau yang setara dengan USD 2,631,578.00 (dua juta enam ratus tiga puluh satu lima ratus tujuh puluh delapan Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk

Underwriting Year

2013.

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 dalam underwriting polis kebakaran.

2.1.2. For other Indonesia areas : 25% (twenty five

percent) of the total sum insured, being 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 for Underwriting Year 2009, 2010, 2011 and 2012.

25% (twenty five percent) of the total sum insured, being a maximum of Rp.25,000,000,000.00 (twenty five billion Indonesian Rupiahs) or equal to USD 2,631,578.00 (two million six hundred thirty one thousand five hundred seventy eight U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2013.

2.2. Anyone risk is the accumulation

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

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2.3 Dalam hal penutupan secara First Loss Basis / Sub-limit, jumlah yang disesikan sebagaimana diatur dalam butir 2.1 diatas, dikalikan prosentase First Loss Scale.

2.4 Untuk risiko yang ditutup secara ko-asuransi, jumlah maksimum sesi dari semua anggota ko-asuransi adalah sesuai dengan ketentuan yang diatur dalam 2.1 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 2.1.

3. Tarif Premi Asuransi Gempa Bumi Indonesia 3.1. Penutupan Full Value Basis

mengaplikasikan Tarif Premi Standar Gempa Bumi Indonesia (lampiran 2).

3.2. Penutupan First Loss / Sub Limit Basis mengaplikasikan standar First Loss Scale (lampiran 3).

3.3. Perhitungan premi untuk penutupan kurang dari 12 (dua belas) bulan diberlakukan skala premi jangka pendek (lampiran 4)

3.4. Untuk perhitungan premi Business Interruption diberlakukan Indemnity Period Scale (lampiran 5).

2.3 In First Loss Basis / Sub Limit policies, the amount ceded is stipulated in point 2.1 above, then multiplied by the percentage of First Loss Scale.

2.4 For risks which are covered by co-

insurance, the maximum cession from all members of coinsurance is stipulated in point 2.1 above. Each ceding company cedes proportionally depending on its co-insurance share.

If there are policies other than co-insurance policy on the same insured object, the insurer is still able to cede such risk subject to total insurance company’s cession not exceeding the provision in point 2.1.

3. Indonesian Standard Earthquake Premium Tariff 3.1. For the coverage of Full Value

Basis, apply Indonesian Standard Earthquake Premium Tariff (attachment 2).

3.2. For the First Loss / Sub Limit Basis coverage apply standard First Loss Scale (attachment 3).

3.3. Premium calculation for short period coverage is based on Short Period Scale (attachment 4).

3.4. Premium calculation for business

interruption is based on Indemnity Period Scale (attachment 5).

viii

4. Obyek Pertanggungan 4.1 Obyek pertanggungan yang dapat

disesikan adalah obyek pertanggungan asuransi kebakaran berupa :

4.1.1. Kerusakan Fisik :

Bangunan Pondasi Penggalian dan Sejenisnya Persediaan Barang Lain-lain

4.1.2 Gangguan Usaha : Keuntungan Bruto Upah Kenaikan Biaya

Operasional Lain-lain

4.2 Penutupan sebagaimana dimaksud pada butir 4.1. adalah yang ditutup secara langsung (direct business) termasuk ko-asuransi. Penutupan tidak langsung (indirect business / reasuransi) tidak dapat disesikan.

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.

4. Insured Object 4.1. Insured object which can be ceded

is fire insurance object such as :

4.1.1. Material damage : Building Foundation Excavation and

the like Stock Others

4.1.2. Business Interruption Gross Profit Wages Increase in cost of

working Others

4.2. Insured object referred in point 4.1 is direct business, including coinsurance. Indirect business / reinsurance cannot be ceded.

5. Bordereaux Submission

Bordereaux submission is on a monthly basis for all risks underwritten in the month concerned and should be received by the end of the following month at the latest.

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A. Umum

Berdasarkan data Badan Pusat Statistik,

Perekonomian Indonesia pada tahun 2013

sebagaimana diukur dari Pendapatan Domestik

Bruto (PDB), tumbuh sebesar 5,78%

dibandingkan tahun 2012. Nilai Produk

Domestik Bruto (PDB) Indonesia atas dasar

harga konstan 2000 pada tahun 2013

mencapai Rp. 2.770,3 triliun sedangkan pada

tahun 2012 sebesar Rp. 2.618,9 triliun. Bila

dilihat berdasarkan harga berlaku, PDB tahun

2013 adalah sebesar Rp. 9.084,0 triliun

sedangkan tahun 2012 adalah Rp. 8.229,4

triliun.

B. Struktur Pasar

Berdasarkan data Otoritas Jasa Keuangan

pada buku Direktori Perasuransian Indonesia

2013: Industri Keuangan Non Bank

Perasuransian, terdapat 82 perusahaan

asuransi umum yang memiliki izin beroperasi di

Indonesia.

C. Premi Bruto

Sampai dengan 31 Desember 2013, premi

bruto asuransi gempa bumi Underwriting Year

2009 adalah sebesar Rp.1.781,2 miliar. Premi

bruto untuk Underwriting Year 2010 tercatat

A. General

Based on Central of Statistics Bureau

Data, Indonesian economic in 2013 as

measured by Gross Domestic Product (GDP)

increased by 5.78% compared with 2012.

Gross Domestic Product (GDP) based on

Constant Price 2000 in 2013 reached the

amount of Rp. 2,770.3 trillion while in 2012 was

Rp. 2,618.9 trillion. If it is based on Current

Market Price, GDP in 2013 was Rp. 9,084.0

trillion while in 2012 was Rp. 8,229.4 trillion.

B. Market Structure

Based on Financial Services Authority data

in the book of Indonesian Insurance Directory

2013: Non Bank Financial Institution Insurance,

there are 82 general insurers having operating

licenses in Indonesia.

C. Gross Premium

As at 31 December 2013, earthquake

gross premium for Underwriting Year 2009 was

Rp. 1,781.2 billion. Gross premium for

Underwriting Year 2010 was recorded

Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Desember 2013 Statistic Overview of Indonesia Earthquake Insurance December 2013

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Rp. 2.117,0 miliar, sedangkan untuk

Underwriting Year 2011 adalah Rp. 2.813,5

miliar. Untuk Underwriting Year 2012 dan 2013

adalah Rp. 2.637,7 miliar dan Rp. 2.253,6

miliar. Angka – angka ini akan terus bergerak

naik terutama untuk Underwriting Year 2012

dan 2013.

Tabel 1.1 di bawah ini menyajikan rincian

premi bruto berdasarkan jenis okupasi dari

Underwriting Year 2009 hingga Underwriting

Year 2013. Prosentase okupasi Industrial

selalu berada pada posisi pendapatan tertinggi

dibanding 3 (tiga) okupasi lainnya (Agrikultural,

Komersial, Residensial), yaitu di atas 60% dari

total premi.

Meskipun okupasi Komersial, Residensial

dan Agrikultural tidak memberikan kontribusi

premi sebesar okupasi Industrial, namun ketiga

okupasi tersebut memperlihatkan pertumbuhan

premi yang cukup signifikan. Hal ini terlihat

terutama pada premi okupasi Agrikultural pada

Underwriting Year 2010 yang meningkat

sebesar 59,1% dari Rp. 13.095,78 juta di

Underwriting Year 2009 menjadi Rp. 20.834,91

juta.

Rp. 2,117.0 billion, while for Underwriting Year

2011 was Rp. 2,813.5 billion. For Underwriting

Year 2012 and 2013 were Rp. 2,637.7 billion

and Rp. 2,253.6 billion. These figures would

certainly increase especially for Underwriting

Year 2012 and 2013.

The table 1.1 below shows the details of

gross premium based on occupation from

Underwriting Year 2009 to Underwriting Year

2013. Industrial occupation always has the

biggest percentage income compared to 3

(three) remaining occupations (Agricultural,

Commercial, Residential), that is above 60%

from premium total.

Although occupation of Commercial,

Residential and Agricultural do not contribute

premium as much as Industrial occupation,

those three occupation show significant

premium growth. In this case, the premium

under Agricultural occupation in Underwriting

Year 2010 increased by 59.1% from Rp.

13,095.78 million in Underwriting Year 2009 to

Rp. 20,834.91 million.

Dalam Jutaan Rupiah

In Million Rupiah

2009 13,095.78 0.74% 407,938.46 22.90% 1,124,194.09 63.12% 235,955.31 13.25% 1,781,183.65

2010 20,834.91 0.98% 434,873.30 20.54% 1,298,122.02 61.32% 363,164.81 17.15% 2,116,995.04

2011 23,859.57 0.85% 751,463.85 26.71% 1,695,522.78 60.26% 342,674.99 12.18% 2,813,521.19

2012 29,495.08 1.12% 639,792.77 24.26% 1,623,301.32 61.54% 345,103.08 13.08% 2,637,692.25

2013 25,809.42 1.15% 516,779.37 22.93% 1,419,749.97 63.00% 291,242.90 12.92% 2,253,581.67

T O T A L 113,094.76 2,750,847.76 7,160,890.18 1,578,141.10 11,602,973.80

Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 31 Desember 2013

Table 1.1 Gross Premium and Ratio By Occupation as at 31 December 2013

Agrikultural / Agricultural

Okupasi

TotalUnderwriting

Year Komersial / Commercial Industri / Industrial Residensial / Residential

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D. Jumlah Risiko

Tabel 1.2 di bawah ini menyajikan jumlah

risiko pada Underwriting Year 2009 hingga

Underwriting Year 2013 yang tercatat sampai

dengan 31 Desember 2013.

D. Number of Risks

Table 1.2 below shows the number of

risks from Underwriting Year 2009 to

Underwriting Year 2013 recorded until 31

December 2013.

Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 31 Desember 2013

Table 1.2 Number of Risk By Occupation as at 31 December 2013

Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total %

Agricultural / Agricultural A 252 0.19 441 0.27 379 0.23 420 0.24 333 0.26

Komersial / Commercial C 74,406 57.08 83,090 50.49 91,395 55.09 94,220 54.82 64,217 50.71

Industrial / Industrial I 12,934 9.92 13,867 8.43 14,995 9.04 16,252 9.46 12,765 10.08

Residensial / Residential R 42,755 32.80 67,166 40.81 59,127 35.64 60,972 35.48 49,326 38.95

130,347 100.00 164,564 100.00 165,896 100.00 171,864 100.00 126,641 100.00

U/Y 2012 U/Y 2013

Occupation

Jumlah / Total

Okupasi U/Y 2009 U/Y 2010 U/Y 2011

Grafik 1.1 Jumlah Risiko Berdasarkan Okupasi per 31 Desember 2013Graph 1.1 Number of Risks by Occupation as at 31 December 2013

Agricultural, 379

Commercial, 91,395

Industrial, 14,995

Residential, 59,127

Agricultural, 420

Commercial, 94,220

Industrial, 16,252

Residential, 60,972

Agricultural, 333

Commercial, 64,217

Industrial, 12,765

Residential, 49,326

As at 31 December 2013

Agricultural, 252

Commercial, 74,406

Industrial, 12,934

Residential, 42,755

Agricultural, 441

Commercial, 83,090

Industrial, 13,867

Residential, 67,166

UY 2009

UY 2012 UY 2013

UY 2010

UY 2011

4

Jumlah risiko terbesar untuk setiap

Underwriting Year, dalam hal ini dari

Underwriting Year 2009 sampai dengan

Underwriting Year 2013 ada pada okupasi

Komersial, yaitu selalu berada pada rasio di

atas 50% dari total risiko. Kemudian diikuti oleh

okupasi Residensial dengan rasio di atas 32%.

Jika terdapat asosiasi antara kontribusi

premi dengan banyaknya risiko maka belum

tentu asosiasi tersebut berbentuk linear dan

positif. Hal ini dibuktikan dengan apabila

melihat dari premi bruto tertinggi berada di

okupasi industrial sedangkan banyak risiko

tertinggi berada pada okupasi komersial.

E. Incurred Claim

Berdasarkan tabel 1.3 di bawah ini

frekuensi klaim gempa bumi paling banyak

terjadi di Underwriting Year 2009 yaitu

sebanyak 1.862 klaim dan didominasi okupasi

Komersial sebanyak 977 klaim. Hal ini

disebabkan oleh kejadian 2 (dua) gempa bumi

yang terbesar di 2009 yaitu Gempa Bumi

Pariaman pada tanggal 30 September 2009

dengan kekuatan 7,6 S.R dan Gempa Bumi

Tasikmalaya pada tanggal 2 September 2009

dengan kekuatan 7,0 S.R.

The highest number of risks for each

Underwriting Year, in this case from

Underwriting Year 2009 to Underwriting Year

2013, is under Commercial occupation, which

is always on the ratio above 50% from the total

risk. Then, it is followed by Residential

occupation with ratio above 32%.

If there is any association between the

premium contribution and the number of risks

then the association is not necessarily linear

nor positive. This is proved which the highest

gross premium is on the industrial occupation

while the highest total risk is under commercial

occupation.

E. Incurred Claim

Based on table 1.3 below, the highest

earthquake claim frequency occurred in

underwriting year 2009 was 1,862 claims and it

dominated by Commercial occupation of 977

claims. It was caused by 2 (two) biggest

Earthquakes in 2009 namely Pariaman

Earthquake on 30 September 2009 with a

magnitude of 7.6 S.R and Tasikmalaya

Earthquake on 2 September 2009 with a

magnitude of 7.0 S.R.

5

Berdasarkan Tabel 1.4 dan grafik di bawah

ini terlihat bahwa untuk frekwensi klaim tinggi

berada pada Total Incurred Claim yang relative

kecil, sedangkan untuk frekwensi klaim kecil

berada pada Total Incurred Claim yang relative

besar.

Based on table 1.4 and graph below it can

be seen that the high frequency claims lies in

relatively small Total Claim Incurred, while low

frequency claims lies in relatively big Total

Claim Incurred.

2009 2010 2011 2012 2013

Agrikultural / Agricultural A 27 0 0 0 0

Komersial / Commercial C 977 46 71 15 2

Industrial / Industrial I 23 1 0 0 0

Residensial / Residential R 835 10 31 2 2

1,862 57 102 17 4

Table 1.3 Claim Frequency By Occupation as at 31 December 2013

Occupation

Jumlah / Total

Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 31 Desember 2013

Underwriting YearOkupasi

*) Dalam Jutaan Rupiah

*) In Million Rupiah

Frekwensi Total Incurred Claim Rata-rata Incurred Claim Incurred Claim Tertinggi Inccured Claim Terendah

Frequency Total Claim Incurred Average Claim Incurred Highest Claim Incurred Lowest Claim Incurred

1,149 18,274,888,886.08 15,905,038.20 49,973,280.00 131,440.00

50 - 100 191 13,226,095,826.60 69,246,575.01 99,786,477.00 50,000,000.00

100 - 200 142 20,207,978,276.87 142,309,706.18 199,404,500.00 100,912,618.00

200 - 300 81 20,591,110,333.68 254,211,238.69 298,679,432.00 202,588,529.28

300 - 500 126 50,174,690,422.32 398,211,828.75 498,750,000.00 301,198,600.00

500 - 750 69 41,168,967,355.12 596,651,700.80 736,484,748.51 501,519,632.00

750 - 1,000 27 23,621,001,671.54 874,851,913.76 995,065,600.00 756,502,718.75

1,000 - 1,500 13 15,814,587,923.72 1,216,506,763.36 1,471,735,000.00 1,041,020,385.00

1,500 - 2,000 14 24,838,228,152.00 1,774,159,153.71 1,990,420,000.00 1,538,400,000.00

2,000 - 2,500 11 24,278,652,604.00 2,207,150,236.73 2,492,091,091.00 2,030,605,837.00

2,500 - 3,000 8 21,246,271,419.09 2,655,783,927.39 2,974,627,395.00 2,508,055,780.09

3,000 - 4,000 7 24,136,466,947.00 3,448,066,706.71 3,944,841,384.00 3,127,571,328.00

4,000 - 5,000 2 9,322,950,348.93 4,661,475,174.46 4,717,455,211.93 4,605,495,137.00

5,000 - 7,500 6 35,818,670,562.11 5,969,778,427.02 7,018,465,745.72 5,340,350,374.46

7,500 - 10,000 6 55,193,829,631.47 9,198,971,605.25 9,929,141,985.00 8,523,155,725.00

10,000 - 20,000 3 41,485,782,101.00 13,828,594,033.67 19,273,400,068.00 10,662,179,031.00

20,000 - 50,000 5 175,867,155,154.00 35,173,431,030.80 42,846,436,400.00 23,381,630,150.00

50,000 - 100,000 0 0.00 0.00 0.00 0.00

100,000 - 500,000 2 375,172,744,787.00 187,586,372,393.50 243,733,718,800.00 131,439,025,987.00

500,000 - up 0 0.00 0.00 0.00 0.00

1,862 990,440,072,403

kurang dari 50

Claim Incurred (BAND)*)

Incurred Claim (BAND) *)

Total

Tabel 1.4 Frekwensi Incurred Claim Underwriting Year 2009 Per 31 Desember 2013

Table 1.4 Frequency Incurred Claim Underwriting Year 2009 as at 31 December 2013

6

Dengan melihat tabel 1.5 tampak bahwa

jumlah klaim terbesar juga berada pada

Underwriting Year 2009. Klaim yang terbesar

adalah pada okupasi Komersial, yaitu 91,35%

dari total klaim di Underwriting Year 2009 atau

sebesar Rp. 904,7 miliar.

Tabel 1.6 di bawah ini menyajikan kejadian

Gempa Bumi Tahun 2013 dan Incurred Claim

sampai dengan 31 Desember 2013.

Looking at table 1.5 below, it shows that

the largest claim is also in the Underwriting

Year 2009. The largest claim is under

Commercial occupation that is 91.35% of the

total claim in Underwriting Year 2009 or

Rp. 904.7 billion.

Table 1.6 below shows earthquake events

occurred in 2013 and the corresponding

incurred claims as at 31 December 2013.

Table 1.5 Claim Amount By Occupation as at 31 December 2013

Dalam Rupiah

In Rupiah

2009 2010 2011

Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount %

Agrikultural / Agricultural A 14,121,897,296.24 1.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Komersial / Commercial C 904,718,509,594.94 91.35 42,365,682,812.73 97.35 16,030,661,263.49 96.14 2,356,896,601.54 94.02 67,000,000.00 0.00

Industrial / Industrial I 4,423,722,616.25 0.45 760,224,542.70 1.75 0.00 0.00 0.00 0.00 0.00 0.00

Residensial / Residential R 67,175,942,895.10 6.78 391,785,430.40 0.90 642,983,109.86 3.86 150,000,000.00 5.98 95,436,000.00 0.00

990,440,072,402.53 100.00 43,517,692,785.83 100.00 16,673,644,373.35 100.00 2,506,896,601.54 100.00 162,436,000.00 0.00

Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 31 Desember 2013

2012Okupasi

Occupation

2013

Jumlah / Total

Underwriting Year

7

Tabel 1.7 di bawah ini menyajikan klaim

Gempa Bumi Aceh, Ciamis, Banda Aceh dan

Jambi perjenis okupasi.

Tabel di bawah ini adalah daftar klaim

terbesar sampai dengan tanggal 31 Desember

2013.

Table 1.7 shows Aceh, Ciamis, Banda

Aceh and Jambi Earthquake by occupation.

The table below is a list of the largest

claims as at 31 December 2013.

Tabel 1.7 Kejadian Gempa Bumi Tahun 2013 dan Klaim per Okupasi per 31 Desember 2013

Table 1.7 Earthquake Event in 2013 and Claim per Occupation as at 31 December 2013

Event Date of Loss

Agrikultural / Komersial / Industrial / Residensial /

Agricultural Commercial Industrial Residential

Aceh 22-Jan-13 0 2 0 0 0.00 590,717,400.00 0.00 0.00

Ciamis 13-Jun-13 0 3 0 0 0.00 485,665,500.00 0.00 0.00

Banda Aceh 2-Jul-13 0 5 0 1 0.00 1,110,257,500.00 0.00 12,436,000.00

Jambi 28-Aug-13 0 0 0 1 0.00 0.00 0.00 83,000,000.00

Residensial /

Residential

Agrikultural /

Agricultural

Komersial /

Commercial

Industrial /

Industrial

Kejadian Tanggal Kejadian

Okupasi

Occupation

Frekwensi

Frequancy

Jumlah (Dalam Rupiah)

Amount (In Rupiah)

Tabel 1.6 Kejadian Gempa Bumi Tahun 2013 dan Klaim per 31 Desember 2013

Table 1.6 Earthquake Event in 2013 and Claim as at 31 December 2013

Dalam Rupiah

In Rupiah

Kejadian Tanggal Kejadian Kekuatan Gempa (S.R)

Event Date of Loss Magnitude (S.R)

Aceh 22 January 2013 6 590,717,400

Ciamis 13 June 2013 6.5 485,665,500

Banda Aceh 2 July 2013 5.5 1,122,693,500

Jambi 28 August 2013 5.5 83,000,000

Klaim

Claim

Dalam Rupiah

In Rupiah

No. Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Klaim

Event Date of Loss Magnitude (S.R) Claim

1 ACEH 26-12-2004 9 864,048,717,450.42

2 YOGYA 27-05-2006 5.9 269,101,919,529.41

3 PADANG 06-03-2007 5.8 37,579,160,986.88

4 BENGKULU 12-09-2007 7.9 53,201,067,989.54

5 PEKAT 07-08-2008 6.6 7,931,860,997.50

6 PADANG 16-08-2009 6.9 42,969,561,630.00

7 TASIKMALAYA 02-09-2009 7.3 25,140,719,675.10

8 PARIAMAN 30-09-2009 7.6 1,150,817,329,692.62

9 BIMA 09-11-2009 6.7 36,740,765,185.48

10 MERAPI 25-10-2010 - *) 27,250,841,156.40

*) Penyebab terkait letusan gunung berapi

Caused by volcanic eruption

Daftar Klaim - Klaim Terbesar Posisi 31 Desember 2013

List of The Largest Claims as at 31 December 2013

8

Tabel 1.8 menyajikan data jumlah polis dan

loss ratio per 31 Desember 2013. Tabel

tersebut menunjukkan bahwa loss ratio

tertinggi berada pada Underwriting Year 2009

sebesar 55,61%. Hal ini dipengaruhi oleh nilai

klaim yang cukup tinggi yang mayoritas

disebabkan dari gempa Pariaman dan gempa

Tasikmalaya tahun 2009.

Tabel 1.9 menyajikan Premi dan Exposure

per 31 Desember 2013.

Table 1.8 shows number of policies, and

loss ratio as at 31 December 2013. The table

show that the biggest loss ratio was at

Underwriting Year 2009 i.e. 55.61%. It was

influenced by large amount of claim that

majority resulting from Pariaman Earthquake

and Tasikmalaya Earthquake 2009.

Table 1.9 shows Premium and Exposure

as at 31 December 2013.

Tabel 1.8 Jumlah Polis dan Loss Ratio per 31 Desember 2013

Table 1.8 Number of Policies and Loss Ratio as at 31 December 2013

Underwriting Jumlah Polis Premi *) Frekwensi Klaim Jumlah Klaim *)

Year Number of Policies Premium *) Claim Frequency Incurred Claim *)

2009 125,701 1,781,183,652,111.94 1,862 990,440,072,402.53 55.61%

2010 117,352 2,116,995,038,415.75 57 43,517,692,785.83 2.06%

2011 117,296 2,813,521,192,187.48 102 16,673,644,373.35 0.59%

2012 111,378 2,637,692,249,579.52 17 2,506,896,601.54 0.10%

2013 82,062 2,253,581,667,373.46 4 162,436,000.00 0.01%

Keterangan :*) Dalam Rupiah

In Rupiah

Loss Ratio

Dalam Jutaan Rupiah

In Million Rupiah

Premi Exposure

Premium Exposure

2009 1,781,183.65 1,498,172,604.36

2010 2,116,995.04 1,671,797,166.78

2011 2,813,521.19 2,149,134,478.35

2012 2,637,692.25 1,930,793,341.27

2013 2,253,581.67 1,490,910,419.10

Tabel 1.9 Premi dan Exposure per 31 Desember 2013

Table 1.9 Premium and Exposure as at 31 December 2013

Underwriting Year

9

Table 2.1 in IDR

Amount % Amount % Amount % Amount % Amount %

BANDA ACEH 1.1 1,147,969,620,214.51 0.08 3,496,644,044,242.15 0.21 4,608,961,565,236.65 0.21 3,825,811,548,648.46 0.20 982,921,240,964.05 0.07

MEDAN 1.2 41,165,087,033,173.50 2.75 39,916,550,753,548.00 2.39 46,300,483,279,269.40 2.15 39,329,107,630,969.00 2.04 35,585,304,210,691.60 2.39

OTHERS 1.3 21,353,562,776,744.20 1.43 66,119,043,411,639.70 3.95 98,984,829,133,319.40 4.61 39,183,977,199,931.60 2.03 34,295,758,952,219.10 2.30

NORTH SUMATERA 1 63,666,619,430,132.10 4.25 109,532,238,209,430.00 6.55 149,894,273,977,825.00 6.97 82,338,896,379,549.10 4.26 70,863,984,403,874.70 4.75

PADANG 2.1 47,028,709,307,731.00 3.14 18,592,594,782,958.80 1.11 15,927,831,157,128.30 0.74 18,421,862,418,479.60 0.95 14,669,956,454,706.30 0.98

PALEMBANG 2.2 19,095,308,994,108.40 1.27 20,447,045,202,732.10 1.22 15,166,937,585,490.50 0.71 18,928,972,224,808.40 0.98 14,701,093,940,176.90 0.99

OTHERS 2.3 93,710,512,373,592.60 6.25 97,873,703,283,582.00 5.85 122,382,707,164,140.00 5.69 134,609,075,030,655.00 6.97 102,381,764,713,513.00 6.87

SOUTH SUMATERA 2 159,834,530,675,432.00 10.67 136,913,343,269,273.00 8.19 153,477,475,906,759.00 7.14 171,959,909,673,944.00 8.91 131,752,815,108,396.00 8.84

JAKARTA 3.1 294,608,587,371,990.00 19.66 304,770,044,796,357.00 18.23 464,814,473,055,751.00 21.63 398,750,750,974,243.00 20.65 299,045,393,279,671.00 20.06

BANDUNG 3.2 7,356,310,993,872.18 0.49 5,935,570,412,798.67 0.36 6,786,912,562,751.73 0.32 10,944,195,730,503.80 0.57 5,997,317,914,275.74 0.40

OTHERS 3.3 437,777,788,937,103.00 29.22 601,991,668,850,461.00 36.01 604,174,687,261,868.00 28.11 643,952,473,788,529.00 33.35 531,779,547,246,639.00 35.67

WEST JAVA 3 739,742,687,302,965.00 49.38 912,697,284,059,617.00 54.59 1,075,776,072,880,370.00 50.06 1,053,647,420,493,280.00 54.57 836,822,258,440,586.00 56.13

SEMARANG 4.1 1,326,730,828,856.88 0.09 10,367,214,200,409.60 0.62 6,547,169,388,280.43 0.30 6,998,183,336,427.71 0.36 4,258,715,004,050.47 0.29

YOGYAKARTA 4.2 8,512,796,192,033.62 0.57 9,031,049,769,491.59 0.54 10,207,395,226,468.00 0.47 9,298,709,189,030.30 0.48 5,881,524,541,719.08 0.39

OTHERS 4.3 76,803,312,316,763.50 5.13 59,368,748,605,101.20 3.55 116,820,457,729,334.00 5.44 100,945,022,159,548.00 5.23 103,199,895,384,011.00 6.92

CENTRAL JAVA 4 86,642,839,337,654.00 5.78 78,767,012,575,002.40 4.71 133,575,022,344,082.00 6.22 117,241,914,685,006.00 6.07 113,340,134,929,780.00 7.60

SURABAYA 5.1 52,526,615,979,789.30 3.51 95,848,731,261,121.60 5.73 87,307,042,599,550.50 4.06 50,532,585,740,496.90 2.62 35,214,275,895,068.70 2.36

OTHERS 5.2 216,847,389,830,894.00 14.47 150,484,659,050,333.00 9.00 300,810,040,239,822.00 14.00 225,387,581,690,693.00 11.67 148,334,882,646,569.00 9.95

EAST JAVA 5 269,374,005,810,683.00 17.98 246,333,390,311,454.00 14.73 388,117,082,839,373.00 18.06 275,920,167,431,190.00 14.29 183,549,158,541,638.00 12.31

KALIMANTAN 6 81,276,521,181,542.00 5.43 78,300,358,445,091.90 4.68 122,855,231,852,261.00 5.72 100,882,096,624,812.00 5.22 63,375,671,419,487.20 4.25

UJUNG PANDANG 7.1 13,009,604,695,590.60 0.87 8,852,259,330,092.91 0.53 10,434,187,846,426.00 0.49 10,598,165,057,049.10 0.55 10,086,632,034,856.70 0.68

OTHERS 7.2 35,604,745,063,349.60 2.38 50,892,109,819,503.50 3.04 59,654,403,769,405.30 2.78 54,306,908,652,180.00 2.81 22,969,456,059,887.90 1.54

SULAWESI 7 48,614,349,758,940.20 3.24 59,744,369,149,596.40 3.57 70,088,591,615,831.30 3.26 64,905,073,709,229.10 3.36 33,056,088,094,744.50 2.22

OTHER ISLANDS 8 49,021,050,865,766.90 3.27 49,509,170,759,362.60 2.96 55,350,726,937,134.90 2.58 63,897,862,269,282.90 3.31 58,150,308,165,772.70 3.90

1,498,172,604,363,120.00 100.00 1,671,797,166,778,830.00 100.00 2,149,134,478,353,640.00 100.00 1,930,793,341,266,290.00 100.00 1,490,910,419,104,280.00 100.00

U/Y 2013

As At 31/12/2013

National Aggregate Exposure By Cresta Zone

T O T A L

U/Y 2012Cresta Zone

U/Y 2011U/Y 2009 U/Y 2010

10

149,894.27 153,477.48

1,075,776.07

133,575.02

388,117.08

122,855.23

70,088.59

55,350.73

82,338.90

171,959.91

1,053,647.42

117,241.91

275,920.17

100,882.10

64,905.07

63,897.86

70,863.98

131,752.82

836,822.26

113,340.13

183,549.16

63,375.67

33,056.09

58,150.31

National Aggregate Exposure By Cresta ZoneAs at 31 December 2013

(In Billion IDR)

North Sumatera

South Sumatera

West Java

Central Java

East Java

Kalimantan

Sulawesi

Other Islands

63,666.62

159,834.53

739,742.69

86,642.84

269,374.01

81,276.52

48,614.35

49,021.05

109,532.24

136,913.34

912,697.28

78,767.01

246,333.39

78,300.36

59,744.37

49,509.17 UY 2009

UY 2010

UY 2011

UY 2012 UY 2013

11


AGRICULTURAL A 11,544,028,397,174.20 0.77 17,597,981,439,651.60 1.05 20,140,109,366,943.60 0.94 23,603,439,857,842.60 1.22 19,250,617,641,625.90 1.29

COMMERCIAL C 327,937,005,195,224.00 21.89 314,289,421,301,657.00 18.80 538,796,228,101,515.00 25.07 449,129,640,687,089.00 23.26 345,547,131,724,955.00 23.18

INDUSTRIAL I 983,266,546,650,208.00 65.63 1,067,407,549,755,600.00 63.85 1,357,537,625,980,160.00 63.17 1,228,505,689,568,100.00 63.63 936,288,199,500,973.00 62.80

RESIDENTIAL R 175,425,024,120,509.00 11.71 272,502,214,281,919.00 16.30 232,660,514,905,023.00 10.83 229,554,571,153,260.00 11.89 189,824,470,236,725.00 12.73

1,498,172,604,363,110.00 100.00 1,671,797,166,778,830.00 100.00 2,149,134,478,353,640.00 100.00 1,930,793,341,266,290.00 100.00 1,490,910,419,104,280.00 100.00

Table 2.2

Occupation

As At 31/12/2013

National Aggregate Exposure By Occupation

T O T A L

U/Y 2011 U/Y 2012 U/Y 2013

in IDR

U/Y 2009 U/Y 2010

12

( In Billion IDR )

Agricultural, 20,140.11

Commercial, 538,796.23

Industrial, 1,357,537.63

Residential, 232,660.51







Industrial, 936,288.20


National Aggregate Exposure By OccupationAs at 31 December 2013









UY 2009

UY 2010

UY 2011

UY 2012UY 2013

13

Table 2.3


Building 714,018,329,452,070.00 47.66 766,353,943,252,236.00 45.84 958,986,268,434,483.00 44.62 810,580,070,470,373.00 41.98 677,103,063,252,230.00 45.42

Machinery 295,613,718,228,449.00 19.73 374,184,959,588,157.00 22.38 431,897,927,718,941.00 20.10 388,705,612,476,042.00 20.13 296,748,182,356,913.00 19.90

Others 192,475,556,891,564.00 12.85 183,213,872,120,665.00 10.96 253,972,852,718,059.00 11.82 266,881,010,311,974.00 13.82 188,100,304,834,411.00 12.62

Stock 164,457,610,004,332.00 10.98 217,191,496,939,453.00 12.99 284,224,703,862,465.00 13.23 281,453,703,617,245.00 14.58 211,540,386,415,813.00 14.19

Bussiness Interruption 131,607,389,786,700.00 8.78 130,852,894,878,316.00 7.83 220,052,725,619,690.00 10.24 183,172,944,390,654.00 9.49 117,418,482,244,912.00 7.88

T O T A L 1,498,172,604,363,120.00 100.00 1,671,797,166,778,830.00 100.00 2,149,134,478,353,640.00 100.00 1,930,793,341,266,290.00 100.00 1,490,910,419,104,280.00 100.00

National Aggregate Exposure By Interest

In IDR

InterestU/Y 2013U/Y 2011 U/Y 2012

As At 31/12/2013

U/Y 2009 U/Y 2010

14

0

100,000

200,000

300,000

400,000

500,000

600,000

700,000

800,000

900,000

1,000,000

UY 2009 UY 2010 UY 2011 UY 2012 UY 2013

Building

Machinery

Stock

Others

Business Interruption

National Aggregate Exposure Year By Interest As at 31 Dec 2013

( In Billion IDR )

15

Table 2.4

In IDR


01. NAD 2,122,192,608,343.15 0.14 46,017,129,711,409.00 2.75 61,532,603,567,310.90 2.86 8,274,903,774,169.93 0.43 2,757,445,659,206.46 0.18

02. SUMATERA UTARA 61,544,426,821,789.00 4.11 63,515,108,498,020.90 3.80 88,361,670,410,514.50 4.11 74,063,992,605,379.20 3.84 68,106,538,744,668.30 4.57

03. SUMATERA BARAT 52,034,740,302,059.10 3.47 22,413,073,192,181.50 1.34 23,079,822,132,237.50 1.07 26,380,724,721,653.00 1.37 21,148,736,563,953.80 1.42

04. RIAU 23,632,348,436,517.60 1.58 32,775,279,641,286.80 1.96 34,753,443,243,498.20 1.62 33,045,941,724,784.90 1.71 29,803,718,907,139.70 2.00

05. JAMBI 4,306,397,901,826.63 0.29 5,229,365,051,921.28 0.31 8,148,510,638,051.55 0.38 10,648,651,946,191.30 0.55 8,702,417,831,936.71 0.58

06. SUMATERA SELATAN 34,446,822,226,779.60 2.30 37,906,239,822,304.80 2.27 30,249,511,522,997.60 1.41 40,602,409,954,234.60 2.10 26,533,613,932,005.20 1.78

07. BENGKULU 2,828,260,196,796.79 0.19 3,090,187,981,017.82 0.18 4,062,453,717,435.66 0.19 4,421,351,504,632.45 0.23 3,625,668,794,507.75 0.24

08. LAMPUNG 22,287,905,856,293.50 1.49 16,664,884,556,586.80 1.00 27,466,542,870,908.00 1.28 27,843,463,546,002.50 1.44 20,990,298,926,975.30 1.41

09. KEP BANGKA-BELITUNG 24,260,716,187,188.80 1.62 3,336,058,201,436.26 0.20 3,044,812,785,166.98 0.14 3,939,954,922,023.31 0.20 1,811,280,401,267.71 0.12

10. KEPULAUAN RIAU 36,744,767,794,671.60 2.45 15,498,254,822,537.40 0.93 22,672,378,996,463.70 1.05 25,077,411,354,421.50 1.30 19,137,079,750,610.20 1.28

11. JAKARTA 280,800,571,412,260.00 18.74 304,770,044,796,357.00 18.23 464,814,473,055,751.00 21.63 398,750,750,974,243.00 20.65 299,045,393,279,671.00 20.06

12. JAWA BARAT 273,084,009,607,933.00 18.23 395,889,402,257,845.00 23.68 400,903,115,744,346.00 18.65 440,895,760,769,646.00 22.83 337,123,903,681,066.00 22.61

13. JAWA TENGAH 76,554,822,702,030.30 5.11 68,286,066,186,836.40 4.08 121,739,479,909,408.00 5.66 105,706,759,792,408.00 5.47 106,030,876,200,698.00 7.11

14. DIY 9,468,672,538,435.68 0.63 10,480,946,388,166.00 0.63 11,835,542,434,674.60 0.55 11,535,154,892,598.40 0.60 7,309,258,729,082.64 0.49

15. JAWA TIMUR 266,545,519,830,729.00 17.79 246,333,390,311,454.00 14.73 388,117,082,839,373.00 18.06 275,920,167,431,190.00 14.29 183,549,158,541,638.00 12.31

16. BANTEN 150,867,526,850,566.00 10.07 212,037,837,005,415.00 12.68 210,058,484,080,274.00 9.77 214,000,908,749,386.00 11.08 200,652,961,479,849.00 13.46

17. BALI 40,366,053,939,598.70 2.69 39,388,452,490,115.70 2.36 43,334,326,311,336.20 2.02 50,173,259,877,963.50 2.60 48,235,630,253,850.20 3.24

18. NUSA TENGGARA BARAT 3,492,479,571,418.68 0.23 2,914,401,771,130.72 0.17 3,078,064,899,149.34 0.14 3,809,227,696,051.74 0.20 3,146,631,072,754.15 0.21

19. NUSA TENGGARA TIMUR 750,869,736,995.34 0.05 862,786,991,135.17 0.05 1,617,483,032,767.29 0.08 2,086,187,050,956.71 0.11 1,311,773,975,419.25 0.09

20. KALIMANTAN BARAT 4,213,062,487,429.85 0.28 4,184,375,704,375.67 0.25 6,929,074,391,744.74 0.32 6,041,674,891,622.79 0.31 4,950,206,353,333.85 0.33

21. KALIMANTAN TENGAH 3,432,721,226,962.45 0.23 11,728,678,849,876.80 0.70 12,227,209,133,229.00 0.57 11,763,771,657,050.80 0.61 10,007,221,731,804.50 0.67

22. KALIMANTAN SELATAN 14,449,667,226,129.60 0.96 14,511,411,705,943.40 0.87 28,153,220,447,496.90 1.31 14,468,107,371,409.20 0.75 15,562,928,304,085.90 1.04

23. KALIMANTAN TIMUR 56,740,301,371,086.40 3.79 47,875,892,184,896.00 2.86 75,545,727,879,790.50 3.52 68,608,542,704,729.00 3.55 32,855,315,030,262.90 2.20

24. SULAWESI UTARA 7,141,370,508,296.35 0.48 8,854,635,630,089.60 0.53 20,479,153,699,598.30 0.95 11,210,851,937,821.50 0.58 11,297,108,211,066.60 0.76

25. SULAWESI TENGAH 1,191,617,762,901.66 0.08 1,344,987,489,172.88 0.08 2,237,761,075,451.70 0.10 2,084,727,957,349.79 0.11 3,177,636,852,150.88 0.21

26. SULAWESI SELATAN 20,042,311,918,068.80 1.34 16,692,942,023,777.90 1.00 24,502,592,637,872.60 1.14 26,720,766,741,669.50 1.38 15,515,241,414,918.20 1.04

27. SULAWESI TENGGARA 8,620,447,929,885.33 0.58 18,974,413,466,606.60 1.13 9,116,259,975,615.48 0.42 9,611,064,092,486.42 0.50 1,039,633,938,212.12 0.07

28. GORONTALO 10,915,430,441,797.70 0.73 12,014,670,866,240.30 0.72 12,799,808,049,629.60 0.60 14,153,833,090,692.40 0.73 830,525,478,998.85 0.06

29. SULAWESI BARAT 545,524,153,447.43 0.04 1,862,719,673,709.09 0.11 953,016,177,663.56 0.04 1,123,829,889,209.47 0.06 1,195,942,199,397.88 0.08

30. MALUKU 524,086,278,336.88 0.03 959,192,107,230.57 0.06 1,012,162,473,294.66 0.05 1,285,590,696,810.45 0.07 1,114,925,169,755.72 0.07

31. MALUKU UTARA 439,777,819,233.64 0.03 431,793,359,211.90 0.03 599,254,266,006.82 0.03 750,091,487,535.22 0.04 322,259,081,282.99 0.02

32. PAPUA BARAT 2,007,854,855,238.31 0.13 1,739,199,010,115.30 0.10 2,183,436,883,141.29 0.10 2,256,365,201,277.70 0.12 1,484,313,874,916.94 0.10

33. PAPUA 1,769,325,862,068.80 0.12 3,213,345,030,423.17 0.19 3,525,999,071,439.34 0.16 3,537,140,258,687.55 0.18 2,534,774,737,793.41 0.17

T O T A L 1,498,172,604,363,110.00 100.00 1,671,797,166,778,830.00 100.00 2,149,134,478,353,640.00 100.00 1,930,793,341,266,290.00 100.00 1,490,910,419,104,280.00 100.00

ProvinceU/Y 2009 U/Y 2010 U/Y 2011 U/Y 2013

National Aggregate Exposure By Province

As At 31/12/2013

U/Y 2012

16

Table 3.1 in IDR


BANDA ACEH 1.1 1,417,072,712.58 0.08 6,052,652,471.70 0.29 7,255,283,677.40 0.26 7,222,634,442.36 0.27 1,876,125,966.34 0.08

MEDAN 1.2 51,185,282,243.67 2.87 47,694,856,535.17 2.25 54,409,517,677.59 1.93 48,862,458,598.50 1.85 47,470,035,347.05 2.11

OTHERS 1.3 25,113,178,212.06 1.41 84,303,208,486.81 3.98 132,714,846,444.47 4.72 51,391,674,182.38 1.95 53,021,393,177.42 2.35

NORTH SUMATERA 1 77,715,533,168.31 4.36 138,050,717,493.68 6.52 194,379,647,799.46 6.91 107,476,767,223.24 4.07 102,367,554,490.81 4.54

PADANG 2.1 55,219,858,862.98 3.10 32,787,018,327.39 1.55 29,672,218,673.28 1.05 34,718,172,040.87 1.32 28,255,964,044.93 1.25

PALEMBANG 2.2 20,557,505,604.64 1.15 19,390,704,938.80 0.92 14,170,766,026.76 0.50 17,745,023,029.29 0.67 15,272,615,737.99 0.68

OTHERS 2.3 107,746,518,371.25 6.05 108,790,148,304.87 5.14 136,225,529,970.59 4.84 155,580,074,816.85 5.90 132,446,615,493.93 5.88

SOUTH SUMATERA 2 183,523,882,838.87 10.30 160,967,871,571.06 7.60 180,068,514,670.63 6.40 208,043,269,887.01 7.89 175,975,195,276.85 7.81

JAKARTA 3.1 380,661,764,961.81 21.37 433,838,945,361.89 20.49 670,294,749,377.10 23.82 597,496,337,775.91 22.65 480,639,304,868.08 21.33

BANDUNG 3.2 9,459,548,591.92 0.53 8,241,042,107.75 0.39 9,925,855,037.47 0.35 16,346,322,621.77 0.62 9,253,434,406.79 0.41

OTHERS 3.3 490,396,344,017.30 27.53 778,819,138,104.48 36.79 831,881,258,643.28 29.57 933,626,192,032.78 35.40 871,873,340,555.08 38.69

WEST JAVA 3 880,517,657,571.03 49.43 1,220,899,125,574.12 57.67 1,512,101,863,057.85 53.74 1,547,468,852,430.46 58.67 1,361,766,079,829.95 60.43

SEMARANG 4.1 1,630,075,740.43 0.09 11,636,480,141.95 0.55 7,986,696,304.55 0.28 8,672,780,148.03 0.33 5,776,899,271.91 0.26

YOGYAKARTA 4.2 11,355,540,884.66 0.64 13,009,093,100.49 0.61 15,306,087,732.00 0.54 14,158,560,333.40 0.54 9,058,807,475.39 0.40

OTHERS 4.3 92,892,991,937.23 5.22 71,914,369,548.34 3.40 146,336,964,251.09 5.20 125,917,963,978.07 4.77 139,426,804,086.30 6.19

CENTRAL JAVA 4 105,878,608,562.32 5.94 96,559,942,790.78 4.56 169,629,748,287.64 6.03 148,749,304,459.50 5.64 154,262,510,833.60 6.85

SURABAYA 5.1 64,605,479,640.86 3.63 111,165,624,462.33 5.25 110,736,921,265.02 3.94 64,315,389,336.26 2.44 47,327,888,992.84 2.10

OTHERS 5.2 252,592,857,376.12 14.18 175,291,433,945.79 8.28 360,797,370,514.87 12.82 278,794,873,073.98 10.57 205,409,617,742.54 9.11

EAST JAVA 5 317,198,337,016.98 17.81 286,457,058,408.12 13.53 471,534,291,779.89 16.76 343,110,262,410.24 13.01 252,737,506,735.38 11.21

KALIMANTAN 6 95,003,197,846.87 5.33 68,421,769,079.24 3.23 103,407,997,618.94 3.68 93,281,731,655.46 3.54 63,267,873,205.97 2.81

UJUNG PANDANG 7.1 15,784,660,581.79 0.89 8,854,097,129.22 0.42 9,472,089,957.48 0.34 10,180,538,141.67 0.39 10,045,389,554.70 0.45

OTHERS 7.2 45,867,830,532.43 2.58 67,397,860,804.36 3.18 93,706,804,774.37 3.33 83,397,545,342.92 3.16 38,972,531,461.51 1.73

SULAWESI 7 61,652,491,114.22 3.46 76,251,957,933.58 3.60 103,178,894,731.85 3.67 93,578,083,484.59 3.55 49,017,921,016.21 2.18

OTHER ISLANDS 8 59,693,943,993.32 3.35 69,386,595,565.18 3.28 79,220,234,241.25 2.82 95,983,978,029.04 3.64 94,187,025,984.69 4.18

1,781,183,652,111.92 100.00 2,116,995,038,415.76 100.00 2,813,521,192,187.51 100.00 2,637,692,249,579.54 100.00 2,253,581,667,373.46 100.00

U/Y 2013

As At 31/12/2013

National Gross Premium By Cresta Zone

T O T A L

U/Y 2012Cresta Zone

U/Y 2011U/Y 2009 U/Y 2010

17

(in Billion IDR)

North Sumatera

South Sumatera

West Java

Central Java

East Java

Kalimantan

Sulawesi

Other Islands

194.38

180.07

1,512.10

169.63

471.53

103.41

103.18

79.22

107.48

208.04

1,547.47

148.75

343.11

93.28

93.58

95.98

102.37

175.98

1,361.77

154.26

252.74

63.27

49.02

94.19

National Gross Premium By Cresta ZoneAs at 31 December 2013

77.72

183.52 880.52

105.88317.20

95.00

61.65

59.69

138.05

160.97

1,220.90

96.56

286.46

68.4276.25

69.39

UY 2010

UY 2011

UY 2012UY 2013

UY 2009

18


AGRICULTURAL A 13,095,781,279.76 0.74 20,834,909,822.51 0.98 23,859,568,585.79 0.85 29,495,080,565.50 1.12 25,809,418,913.31 1.15

COMMERCIAL C 407,938,463,183.32 22.90 434,873,303,188.34 20.54 751,463,850,410.72 26.71 639,792,774,091.18 24.26 516,779,372,316.74 22.93

INDUSTRIAL I 1,124,194,092,797.97 63.12 1,298,122,018,196.63 61.32 1,695,522,780,815.87 60.26 1,623,301,316,255.03 61.54 1,419,749,972,719.76 63.00

RESIDENTIAL R 235,955,314,850.89 13.25 363,164,807,208.27 17.15 342,674,992,375.10 12.18 345,103,078,667.81 13.08 291,242,903,423.65 12.92

1,781,183,652,111.94 100.00 2,116,995,038,415.75 100.00 2,813,521,192,187.48 100.00 2,637,692,249,579.52 100.00 2,253,581,667,373.46 100.00T O T A L

U/Y 2011 U/Y 2012 U/Y 2013

in IDR

U/Y 2009 U/Y 2010

Table 3.2

Occupation

As At 31/12/2013

National Gross Premium By Occupation

19

( In Billion IDR )

Agricultural, 23.86

Commercial, 751.46


Residential, 342.67

Agricultural, 29.50

Commercial, 639.79


Residential, 345.10

Agricultural, 25.81

Commercial, 516.78


Residential, 291.24 2010

National Gross Premium By OccupationAs at 31 December 2013

Agricultural, 13.10

Commercial, 407.94


Residential, 235.96

UY 2009

Agricultural, 20.83

Commercial, 434.87


Residential, 363.16

UY 2012

UY 2013

UY 2011

UY 2010

20

Table 3.3

In IDR


01. NAD 2,591,765,441.91 0.15 61,936,910,315.53 2.93 87,280,467,605.81 3.10 12,401,246,482.15 0.47 4,956,884,429.86 0.22

02. SUMATERA UTARA 75,123,767,726.41 4.22 76,113,807,178.14 3.60 107,099,180,193.64 3.81 95,075,520,741.09 3.60 97,410,670,060.95 4.32

03. SUMATERA BARAT 62,060,943,912.52 3.48 39,346,202,146.10 1.86 40,282,734,257.27 1.43 47,281,549,756.12 1.79 40,222,616,159.35 1.78

04. RIAU 25,275,041,744.52 1.42 33,033,277,972.00 1.56 34,867,966,371.18 1.24 34,904,883,691.00 1.32 34,270,277,673.39 1.52

05. JAMBI 4,733,408,360.60 0.27 5,242,221,847.08 0.25 7,974,559,052.58 0.28 10,496,450,749.22 0.40 9,665,595,119.28 0.43

06. SUMATERA SELATAN 39,070,703,670.60 2.19 39,288,977,418.39 1.86 31,094,591,900.59 1.11 42,253,613,700.27 1.60 31,227,956,564.09 1.39

07. BENGKULU 3,811,907,285.83 0.21 5,474,897,682.87 0.26 7,259,094,922.58 0.26 8,223,728,296.82 0.31 7,363,311,456.30 0.33

08. LAMPUNG 27,231,909,060.92 1.53 22,692,710,088.11 1.07 37,148,075,139.15 1.32 39,248,158,426.18 1.49 32,317,257,020.83 1.43

09. KEP BANGKA-BELITUNG 33,963,269,605.03 1.91 2,953,443,103.05 0.14 2,657,007,408.01 0.09 3,548,501,546.30 0.13 1,762,437,686.03 0.08

10. KEPULAUAN RIAU 44,368,542,555.34 2.49 12,936,141,313.44 0.61 18,784,485,619.28 0.67 22,086,383,721.09 0.84 19,145,743,597.59 0.85

11. JAKARTA 360,186,874,076.71 20.22 433,838,945,361.89 20.49 670,294,749,377.10 23.82 597,496,337,775.91 22.65 480,639,304,868.08 21.33

12. JAWA BARAT 293,728,343,986.12 16.49 504,487,559,171.94 23.83 549,718,903,192.85 19.54 636,559,248,334.84 24.13 548,649,454,716.66 24.35

13. JAWA TENGAH 92,724,661,237.79 5.21 81,521,601,724.06 3.85 151,901,800,596.33 5.40 131,256,990,500.52 4.98 143,068,612,713.83 6.35

14. DIY 12,527,425,148.45 0.70 15,038,341,066.72 0.71 17,727,947,691.31 0.63 17,492,313,958.97 0.66 11,193,898,119.77 0.50

15. JAWA TIMUR 313,441,677,657.63 17.60 286,457,058,408.12 13.53 471,534,291,779.89 16.76 343,110,262,410.24 13.01 252,737,506,735.38 11.21

16. BANTEN 177,092,137,883.41 9.94 282,572,621,040.30 13.35 292,088,210,487.89 10.38 313,413,266,319.71 11.88 332,477,320,245.21 14.75

17. BALI 49,203,866,764.07 2.76 54,063,130,550.42 2.55 60,432,623,972.38 2.15 73,017,616,600.39 2.77 76,346,502,428.58 3.39

18. NUSA TENGGARA BARAT 4,255,189,848.05 0.24 4,439,481,653.30 0.21 5,154,888,404.14 0.18 7,037,283,774.70 0.27 6,288,758,781.26 0.28

19. NUSA TENGGARA TIMUR 910,203,226.09 0.05 1,281,077,691.84 0.06 2,433,951,389.85 0.09 3,202,050,183.76 0.12 2,100,962,506.69 0.09

20. KALIMANTAN BARAT 4,551,482,866.75 0.26 3,715,242,385.16 0.18 6,039,986,630.20 0.21 5,339,149,145.85 0.20 4,782,359,801.16 0.21

21. KALIMANTAN TENGAH 3,653,870,455.16 0.21 9,891,393,328.95 0.47 10,275,536,619.02 0.37 10,645,069,301.27 0.40 10,039,444,492.17 0.45

22. KALIMANTAN SELATAN 17,252,583,070.07 0.97 12,861,818,728.25 0.61 23,764,041,278.15 0.84 13,158,371,728.69 0.50 16,665,512,213.02 0.74

23. KALIMANTAN TIMUR 66,331,279,083.39 3.72 41,953,314,636.88 1.98 63,328,433,091.57 2.25 64,139,141,479.65 2.43 31,780,556,699.62 1.41

24. SULAWESI UTARA 9,258,666,923.52 0.52 14,784,020,132.47 0.70 37,734,111,355.96 1.34 21,043,730,358.64 0.80 22,745,313,648.92 1.01

25. SULAWESI TENGAH 1,457,246,253.15 0.08 2,004,618,104.55 0.09 3,458,457,420.21 0.12 3,283,776,168.73 0.12 4,927,754,178.57 0.22

26. SULAWESI SELATAN 24,033,270,826.51 1.35 17,315,074,412.18 0.82 24,628,172,808.30 0.88 27,720,712,938.81 1.05 16,401,520,482.90 0.73

27. SULAWESI TENGGARA 9,776,949,289.39 0.55 21,176,342,881.42 1.00 10,521,907,674.99 0.37 11,780,974,997.80 0.45 1,562,933,171.76 0.07

28. GORONTALO 16,153,816,862.08 0.91 18,305,444,645.48 0.86 25,429,715,295.48 0.90 28,065,752,289.99 1.06 1,587,065,303.99 0.07

29. SULAWESI BARAT 656,394,251.02 0.04 2,666,457,757.48 0.13 1,406,530,176.92 0.05 1,683,136,730.63 0.06 1,793,334,230.07 0.08

30. MALUKU 667,125,228.44 0.04 1,748,451,819.08 0.08 1,761,141,005.57 0.06 2,343,181,984.90 0.09 2,086,553,733.87 0.09

31. MALUKU UTARA 553,227,426.82 0.03 736,016,880.37 0.03 1,055,412,456.04 0.04 1,319,287,950.27 0.05 605,731,965.04 0.03

32. PAPUA BARAT 2,375,824,636.44 0.13 2,543,602,599.57 0.12 3,162,082,054.24 0.11 3,363,849,363.17 0.13 2,341,778,492.83 0.10

33. PAPUA 2,160,275,747.19 0.12 4,574,834,370.60 0.22 5,220,134,959.03 0.19 5,700,708,171.85 0.22 4,416,738,076.41 0.20

T O T A L 1,781,183,652,111.93 100.00 2,116,995,038,415.74 100.00 2,813,521,192,187.51 100.00 2,637,692,249,579.53 100.00 2,253,581,667,373.46 100.00

ProvinceU/Y 2009 U/Y 2010 U/Y 2011 U/Y 2013

National Gross Premium By Province

As At 31/12/2013

U/Y 2012

21

Table 4.1

U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013

BANDA ACEH 1.1 547 634 517 584 443

MEDAN 1.2 5,178 5,664 5,776 5,970 4,728

OTHERS 1.3 3,380 5,147 4,490 4,576 2,714

NORTH SUMATERA 1 9,105 11,445 10,783 11,130 7,885

PADANG 2.1 4,240 8,363 9,866 10,567 8,020

PALEMBANG 2.2 1,602 1,613 1,440 1,509 1,214

OTHERS 2.3 11,986 17,028 16,559 17,231 11,561

SOUTH SUMATERA 2 17,828 27,004 27,865 29,307 20,795

JAKARTA 3.1 31,407 35,144 38,630 36,113 35,295

BANDUNG 3.2 1,323 1,684 1,146 1,986 1,373

OTHERS 3.3 27,928 34,730 34,081 36,366 23,224

WEST JAVA 3 60,658 71,558 73,857 74,465 59,892

SEMARANG 4.1 464 379 669 801 570

YOGYAKARTA 4.2 2,177 2,468 2,155 2,297 1,540

OTHERS 4.3 8,841 10,540 9,711 10,241 6,485

CENTRAL JAVA 4 11,482 13,387 12,535 13,339 8,595

SURABAYA 5.1 5,160 6,032 6,062 6,163 4,177

OTHERS 5.2 6,631 7,829 7,287 7,696 4,918

EAST JAVA 5 11,791 13,861 13,349 13,859 9,095

KALIMANTAN 6 4,775 7,002 5,726 7,559 4,989

UJUNG PANDANG 7.1 1,451 1,737 1,851 1,887 1,209

OTHERS 7.2 3,753 6,403 7,024 6,155 4,143

SULAWESI 7 5,204 8,140 8,875 8,042 5,352

OTHER ISLANDS 8 9,504 12,167 12,906 14,163 10,038

130,347 164,564 165,896 171,864 126,641T O T A L

Number Of Risk By Cresta Zone

As At 31/12/2013

Cresta Zone

23

Table 4.2

U/Y 2009 % U/Y 2010 % U/Y 2011 % U/Y 2012 % U/Y 2013 %

AGRICULTURAL A 252 0.19 441 0.27 379 0.23 420 0.24 333 0.26

COMMERCIAL C 74,406 57.08 83,090 50.49 91,395 55.09 94,220 54.82 64,217 50.71

INDUSTRIAL I 12,934 9.92 13,867 8.43 14,995 9.04 16,252 9.46 12,765 10.08

RESIDENTIAL R 42,755 32.80 67,166 40.81 59,127 35.64 60,972 35.48 49,326 38.95

130,347 100.00 164,564 100.00 165,896 100.00 171,864 100.00 126,641 100.00

Number Of Risk By Occupation

T O T A L

Occupation

As At 31/12/2013

24

Agricultural, 379

Commercial, 91,395

Industrial, 14,995

Residential, 59,127

Agricultural, 420

Commercial, 94,220

Industrial, 16,252

Residential, 60,972

Agricultural, 333

Commercial, 64,217

Industrial, 12,765

Residential, 49,326

Number of Risk By OccupationAs at 31 December 2013

Agricultural, 252

Commercial, 74,406

Industrial, 12,934

Residential, 42,755

Agricultural, 441

Commercial, 83,090

Industrial, 13,867

Residential, 67,166

UY 2009

UY 2012 UY 2013

UY 2010

UY 2011

25

Table 5.1

U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013

AGRICULTURAL A 27 0 0 0 0

COMMERCIAL C 977 46 71 15 2

INDUSTRIAL I 23 1 0 0 0

RESIDENTIAL R 835 10 31 2 2

1,862 57 102 17 4T O T A L

Claim Frequency by Occupation

As At 31/12/2013

Occupation

27

Table 5.2

U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013

BANDA ACEH 1.1 10 3 4 6 1

MEDAN 1.2 0 1 8 2 0

OTHERS 1.3 2 2 1 0 0

NORTH SUMATERA 1 12 6 13 8 1

PADANG 2.1 1,595 0 7 0 0

PALEMBANG 2.2 0 0 0 0 0

OTHERS 2.3 15 1 13 1 1

SOUTH SUMATERA 2 1,610 1 20 1 1

JAKARTA 3.1 37 1 2 0 0

BANDUNG 3.2 96 0 1 0 0

OTHERS 3.3 75 1 2 4 0

WEST JAVA 3 208 2 5 4 0

SEMARANG 4.1 0 0 0 0 0

YOGYAKARTA 4.2 1 3 0 0 0

OTHERS 4.3 2 6 0 0 0

CENTRAL JAVA 4 3 9 0 0 0

SURABAYA 5.1 0 0 0 0 0

OTHERS 5.2 0 2 0 0 0

EAST JAVA 5 0 2 0 0 0

KALIMANTAN 6 0 0 0 0 0

UJUNG PANDANG 7.1 0 1 0 0 0

OTHERS 7.2 0 2 1 1 0

SULAWESI 7 0 3 1 1 0

OTHER ISLANDS 8 29 34 63 3 2

1,862 57 102 17 4T O T A L

Claim Frequency by Cresta Zone

As At 31/12/2013

Cresta Zone

29

Table 5.3


AGRICULTURAL A 14,121,897,296.24 1.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

COMMERCIAL C 904,718,509,594.94 91.35 42,365,682,812.73 97.35 16,030,661,263.49 96.14 2,356,896,601.54 94.02 67,000,000.00 41.25

INDUSTRIAL I 4,423,722,616.25 0.45 760,224,542.70 1.75 0.00 0.00 0.00 0.00 0.00 0.00

RESIDENTIAL R 67,175,942,895.10 6.78 391,785,430.40 0.90 642,983,109.86 3.86 150,000,000.00 5.98 95,436,000.00 58.75

990,440,072,402.53 100.00 43,517,692,785.83 100.00 16,673,644,373.35 100.00 2,506,896,601.54 100.00 162,436,000.00 100.00

Claim by Occupation

In IDR

Occupation

T O T A L

U/Y 2013

As At 31/12/2013

U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012

30

Agricultural

1.43%

Commercial

91.35%

Industrial

0.45%

Residential

6.78%

Agricultural

0.00%

Commercial

96.14%

Industrial

0.00%Residential

3.86%

Agricultural

0.00%

Commercial

94.02%

Industrial

0.00%Residential

5.98%

Agricultural

0.00%

Commercial

41.25%Industrial

0.00%

Residential

58.75%

Claim By OccupationAs at 31 December 2013

Agricultural

0.00%

Commercial

97.35%

Industrial

1.75%Residential

0.90%

UY 2010

UY 2011

UY 2012

UY 2013

UY 2009

31

Table 5.4


BANDA ACEH 1.1 634,630,000.00 0.06 215,965,351.00 0.50 7,583,593,500.00 45.48 1,733,974,900.00 69.17 21,000,000.00 12.93

MEDAN 1.2 0.00 0.00 17,388,400.00 0.04 182,115,427.45 1.09 14,936,201.00 0.60 0.00 0.00

OTHERS 1.3 42,855,792,400.00 4.33 426,822,938.00 0.98 62,469,898.00 0.37 0.00 0.00 0.00 0.00

NORTH SUMATERA 1 43,490,422,400.00 4.39 660,176,689.00 1.52 7,828,178,825.45 46.95 1,748,911,101.00 69.76 21,000,000.00 12.93

PADANG 2.1 878,022,947,435.88 88.65 0.00 0.00 64,390,800.00 0.39 0.00 0.00 0.00 0.00

PALEMBANG 2.2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

OTHERS 2.3 817,752,521.20 0.08 10,000,000.00 0.02 1,445,841,000.00 8.67 50,000,000.00 1.99 83,000,000.00 51.10

SOUTH SUMATERA 2 878,840,699,957.08 88.73 10,000,000.00 0.02 1,510,231,800.00 9.06 50,000,000.00 1.99 83,000,000.00 51.10

JAKARTA 3.1 1,907,873,467.61 0.19 2,508,000.00 0.01 60,000,000.00 0.36 0.00 0.00 0.00 0.00

BANDUNG 3.2 16,824,860,572.84 1.70 0.00 0.00 67,353,075.00 0.40 0.00 0.00 0.00 0.00

OTHERS 3.3 5,060,914,073.80 0.51 37,327,390.00 0.09 27,100,000.00 0.16 503,103,700.00 20.07 0.00 0.00

WEST JAVA 3 23,793,648,114.25 2.40 39,835,390.00 0.09 154,453,075.00 0.93 503,103,700.00 20.07 0.00 0.00

SEMARANG 4.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

YOGYAKARTA 4.2 171,507,756.40 0.02 30,159,054,600.00 69.30 0.00 0.00 0.00 0.00 0.00 0.00

OTHERS 4.3 9,854,250.00 0.00 4,049,914,560.59 9.31 0.00 0.00 0.00 0.00 0.00 0.00

CENTRAL JAVA 4 181,362,006.40 0.02 34,208,969,160.59 78.61 0.00 0.00 0.00 0.00 0.00 0.00

SURABAYA 5.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

OTHERS 5.2 0.00 0.00 46,008,723.00 0.11 0.00 0.00 0.00 0.00 0.00 0.00

EAST JAVA 5 0.00 0.00 46,008,723.00 0.11 0.00 0.00 0.00 0.00 0.00 0.00

KALIMANTAN 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

UJUNG PANDANG 7.1 0.00 0.00 760,224,542.70 1.75 0.00 0.00 0.00 0.00 0.00 0.00

OTHERS 7.2 0.00 0.00 90,491,945.00 0.21 50,000,000.00 0.30 75,371,521.00 3.01 0.00 0.00

SULAWESI 7 0.00 0.00 850,716,487.70 1.95 50,000,000.00 0.30 75,371,521.00 3.01 0.00 0.00

OTHER ISLANDS 8 44,133,939,924.80 4.46 7,701,986,335.54 17.70 7,130,780,672.90 42.77 129,510,279.54 5.17 58,436,000.00 35.97

990,440,072,402.53 100.00 43,517,692,785.83 100.00 16,673,644,373.35 100.00 2,506,896,601.54 100.00 162,436,000.00 100.00

Cresta Zone

T O T A L

Claim by Cresta Zone

In IDR

U/Y 2013U/Y 2009

As At 31/12/2013

U/Y 2010 U/Y 2011 U/Y 2012

32

( In Million IDR )

Claim By Cresta ZoneAs at 31 December 2013

North Sumatera,

7,828.18

South Sumatera,

1,510.23 West Java, 154.45

Central Java, 0.00East Java, 0.00

Kalimantan, 0.00

Sulawesi, 50.00

Other Islands, 7,130.78

North Sumatera

South Sumatera

West Java

Central Java

East Java

Kalimantan

Sulawesi

Other Islands

North Sumatera, 660.18South Sumatera,

10.00

West Java, 39.84

Central Java,

34,208.97

East Java, 46.01Kalimantan, 0.00

Sulawesi, 850.72


North Sumatera,

43,490.42

South Sumatera, 878,840.70

West Java, 23,793.65


Kalimantan, 0.00

Sulawesi, 0.00


North Sumatera, 1,748.91

South Sumatera, 50.00

West Java, 503.10


Kalimantan, 0.00Sulawesi, 75.37Other Islands, 129.51

North Sumatera, 21.00

South Sumatera, 83.00

West Java, 0.00

Central Java, 0.00

East Java, 0.00Kalimantan, 0.00

Sulawesi, 0.00

Other Islands, 58.44

UY 2012UY 2013

UY 2010

UY 2011UY 2009

33

:

(a)

1 0.00 85 85 421.51

2 50.00 143 228 54.27

3 100.00 304 532 48.30

4 200.00 231 763 59.93

5 300.00 352 1,115 79.67

6 500.00 182 1,297 57.36

7 750.00 151 1,448 26.42

8 1,000.00 92 1,540 19.90

9 1,500.00 71 1,611 29.36

10 2,000.00 41 1,652 33.00

11 2,500.00 30 1,682 13.36

12 3,000.00 42 1,724 16.55

13 4,000.00 26 1,750 11.09

14 5,000.00 47 1,797 10.02

15 7,500.00 46 1,843 22.71

16 10,000.00 61 1,904 30.96

17 20,000.00 45 1,949 15.64

18 50,000.00 26 1,975 1.55

19 100,000.00 44 2,019 5.96

20 500,000.00 23 2,042 5.97

PROCESSING DATE 07/02/2014OCCUPATION : ALL

SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM

(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY


RISK & LOSS PROFILE

As At 31/12/2013

UNDERWRITING YEAR 2009 - 2013

LOSS RATIOBAND

F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

(n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (s) (u)

50.00 82,767 82,767 10.90 10.90 3,076.30 3,076.30

(m)

0.03 0.03 4.16 4.16 12,967.00 12,967.00 1.23 1.23 421.51

100.00 60,120 142,887 7.92 18.82 6,875.15 9,951.45 0.06 0.09 7.00 11.17 3,731.08 16,698.07 0.35 1.59 167.80

200.00 85,800 228,687 11.30 30.12 18,534.61 28,486.06 0.16 0.25 14.89 26.05 8,952.06 25,650.14 0.85 2.44 90.04

300.00 59,661 288,348 7.86 37.97 21,351.71 49,837.77 0.18 0.43 11.31 37.37 12,796.11 38,446.25 1.21 3.65 77.14

500.00 85,041 373,389 11.20 49.17 48,785.21 98,622.98 0.42 0.85 17.24 54.60 38,868.23 77,314.48 3.69 7.34 78.39

750.00 66,330 439,719 8.74 57.91 57,614.83 156,237.81 0.50 1.35 8.91 63.52 33,049.08 110,363.56 3.14 10.48 70.64

1,000.00 62,769 502,488 8.27 66.18 77,408.90 233,646.71 0.67 2.01 7.39 70.91 20,454.28 130,817.83 1.94 12.42 55.99

1,500.00 59,083 561,571 7.78 73.96 102,001.59 335,648.30 0.88 2.89 4.51 75.42 20,298.21 151,116.05 1.93 14.35 45.02

2,000.00 33,696 595,267 4.44 78.40 82,970.67 418,618.96 0.72 3.61 3.48 78.89 24,363.23 175,479.28 2.31 16.66 41.92

2,500.00 20,833 616,100 2.74 81.14 65,014.65 483,633.61 0.56 4.17 2.01 80.90 21,454.62 196,933.90 2.04 18.70 40.72

3,000.00 16,542 632,642 2.18 83.32 63,276.79 546,910.40 0.55 4.71 1.47 82.37 8,455.22 205,389.12 0.80 19.50 37.55

4,000.00 20,718 653,360 2.73 86.05 100,497.71 647,408.11 0.87 5.58 2.06 84.43 16,627.44 222,016.56 1.58 21.08 34.29

5,000.00 14,742 668,102 1.94 87.99 92,798.49 740,206.60 0.80 6.38 1.27 85.70 10,289.12 232,305.69 0.98 22.06 31.38

7,500.00 20,088 688,190 2.65 90.63 170,196.93 910,403.53 1.47 7.85 2.30 88.00 17,058.10 249,363.79 1.62 23.67 27.39

10,000.00 13,116 701,306 1.73 92.36 159,748.84 1,070,152.37 1.38 9.22 2.25 90.25 36,285.06 285,648.85 3.44 27.12 26.69

20,000.00 20,675 721,981 2.72 95.08 407,484.44 1,477,636.80 3.51 12.73 2.99 93.24 126,164.21 411,813.06 11.98 39.10 27.87

50,000.00 17,586 739,567 2.32 97.40 744,935.67 2,222,572.48 6.42 19.16 2.20 95.45 116,473.62 528,286.69 11.06 50.16 23.77

100,000.0

0

8,518 748,085 1.12 98.52 792,187.90 3,014,760.38 6.83 25.98 1.27 96.72 12,288.94 540,575.63 1.17 51.32 17.93

500,000.0

0

8,849 756,934 1.17 99.69 2,432,259.87 5,447,020.25 20.96 46.95 2.15 98.87 144,923.50 685,499.13 13.76 65.08 12.58

UP 2,378 759,312 0.31 100.00 6,155,953.55 11,602,973.80 34.92 100.00 9.08

(t)

53.05 100.00 1.13 100.00 367,801.62 1,053,300.74

34

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 1 1 0.34

5 300.00 2 3 0.80

6 500.00 1 4 0.84

7 750.00 0 4 0.00

8 1,000.00 0 4 0.00

9 1,500.00 0 4 0.00

10 2,000.00 0 4 0.00

11 2,500.00 0 4 0.00

12 3,000.00 0 4 0.00

13 4,000.00 0 4 0.00

14 5,000.00 0 4 0.00

15 7,500.00 0 4 0.00

16 10,000.00 0 4 0.00

17 20,000.00 0 4 0.00

18 50,000.00 0 4 0.00

19 100,000.00 0 4 0.00

20 500,000.00 0 4 0.00


RISK & LOSS PROFILE

As At 31/12/2013

UNDERWRITING YEAR 2013


SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM

(In M illion Rp)NUMBER OF RISKS CLAIM FREQUENCY LOSS RATIOBAND


BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

(n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (s) (u)

50.00 11,039 11,039 8.72 8.72 411.28 411.28

(m)

0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00

100.00 9,822 20,861 7.76 16.47 1,095.66 1,506.94 0.05 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00

200.00 13,619 34,480 10.75 27.23 3,036.37 4,543.31 0.13 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00

300.00 9,963 44,443 7.87 35.09 3,711.09 8,254.41 0.16 0.37 25.00 25.00 12.44 12.44 7.66 7.66 0.15

500.00 14,217 58,660 11.23 46.32 8,391.14 16,645.54 0.37 0.74 50.00 75.00 67.00 79.44 41.25 48.90 0.48

750.00 11,090 69,750 8.76 55.08 9,928.68 26,574.22 0.44 1.18 25.00 100.00 83.00 162.44 51.10 100.00 0.61

1,000.00 9,407 79,157 7.43 62.51 11,996.78 38,571.00 0.53 1.71 0.00 100.00 0.00 162.44 0.00 100.00 0.42

1,500.00 9,728 88,885 7.68 70.19 17,605.15 56,176.15 0.78 2.49 0.00 100.00 0.00 162.44 0.00 100.00 0.29

2,000.00 6,415 95,300 5.07 75.25 16,383.45 72,559.60 0.73 3.22 0.00 100.00 0.00 162.44 0.00 100.00 0.22

2,500.00 4,053 99,353 3.20 78.45 13,050.62 85,610.22 0.58 3.80 0.00 100.00 0.00 162.44 0.00 100.00 0.19

3,000.00 3,165 102,518 2.50 80.95 12,615.29 98,225.51 0.56 4.36 0.00 100.00 0.00 162.44 0.00 100.00 0.17

4,000.00 4,021 106,539 3.18 84.13 20,093.40 118,318.90 0.89 5.25 0.00 100.00 0.00 162.44 0.00 100.00 0.14

5,000.00 2,948 109,487 2.33 86.45 19,007.75 137,326.65 0.84 6.09 0.00 100.00 0.00 162.44 0.00 100.00 0.12

7,500.00 3,936 113,423 3.11 89.56 34,365.85 171,692.50 1.52 7.62 0.00 100.00 0.00 162.44 0.00 100.00 0.09

10,000.00 2,569 115,992 2.03 91.59 32,165.73 203,858.23 1.43 9.05 0.00 100.00 0.00 162.44 0.00 100.00 0.08

20,000.00 3,857 119,849 3.05 94.64 77,834.19 281,692.42 3.45 12.50 0.00 100.00 0.00 162.44 0.00 100.00 0.06

50,000.00 3,100 122,949 2.45 97.08 141,213.70 422,906.12 6.27 18.77 0.00 100.00 0.00 162.44 0.00 100.00 0.04

100,000.00 1,615 124,564 1.28 98.36 165,335.24 588,241.36 7.34 26.10 0.00 100.00 0.00 162.44 0.00 100.00 0.03

500,000.00 1,627 126,191 1.28 99.64 487,509.72 1,075,751.08 21.63 47.74 0.00 100.00 0.00 162.44 0.00 100.00 0.02

UP 450 126,641 0.36 100.00 1,177,830.58 2,253,581.67 0.00 100.00 0.01

(t)

52.26 100.00 0.00 100.00 0.00 162.44

LL

35

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 1 1 0.16

6 500.00 1 2 1.09

7 750.00 0 2 0.00

8 1,000.00 2 4 0.75

9 1,500.00 2 6 2.03

10 2,000.00 1 7 0.40

11 2,500.00 0 7 0.00

12 3,000.00 0 7 0.00

13 4,000.00 1 8 0.87

14 5,000.00 2 10 1.32

15 7,500.00 2 12 1.45

16 10,000.00 4 16 0.39

17 20,000.00 0 16 0.00

18 50,000.00 0 16 0.00

19 100,000.00 1 17 0.00

20 500,000.00 0 17 0.000.00 100.00 0.10

(t)

50.34 100.00 0.00 100.00 0.00 2,506.90

0.17 100.00 0.19

UP 546 171,864 0.32 100.00 1,327,708.45 2,637,692.25

22.25 49.66 5.88 100.00 4.14 2,506.90

0.00 99.83 0.35

500,000.0

0

2,041 171,318 1.19 99.68 586,845.47 1,309,983.80

7.30 27.42 0.00 94.12 0.00 2,502.76

0.00 99.83 0.47

100,000.0

0

2,025 169,277 1.18 98.49 192,464.47 723,138.32

6.65 20.12 0.00 94.12 0.00 2,502.76

15.14 99.83 0.70

50,000.00 3,988 167,252 2.32 97.32 175,423.39 530,673.85

3.71 13.47 23.53 94.12 379.65 2,502.76

22.14 84.69 0.82

20,000.00 4,815 163,264 2.80 95.00 97,830.15 355,250.46

1.46 9.76 11.76 70.59 555.00 2,123.11

21.73 62.55 0.72

10,000.00 3,066 158,449 1.78 92.19 38,390.64 257,420.31

1.56 8.30 11.76 58.82 544.64 1,568.11

7.71 40.83 0.58

7,500.00 4,731 155,383 2.75 90.41 41,142.81 219,029.68

0.84 6.74 5.88 47.06 193.16 1,023.47

0.00 33.12 0.53

5,000.00 3,386 150,652 1.97 87.66 22,113.54 177,886.87

0.92 5.91 0.00 41.18 0.00 830.31

0.00 33.12 0.63

4,000.00 4,824 147,266 2.81 85.69 24,267.64 155,773.33

0.58 4.99 0.00 41.18 0.00 830.31

2.49 33.12 0.71

3,000.00 3,857 142,442 2.24 82.88 15,205.85 131,505.69

0.59 4.41 5.88 41.18 62.33 830.31

16.28 30.63 0.76

2,500.00 4,843 138,585 2.82 80.64 15,489.27 116,299.84

0.76 3.82 11.76 35.29 408.04 767.98

8.36 14.36 0.45

2,000.00 7,947 133,742 4.62 77.82 20,126.50 100,810.57

1.07 3.06 11.76 23.53 209.60 359.94

0.00 6.00 0.29

1,500.00 16,054 125,795 9.34 73.19 28,107.36 80,684.07

0.67 1.99 0.00 11.76 0.00 150.34

5.30 6.00 0.43

1,000.00 13,891 109,741 8.08 63.85 17,788.11 52,576.71

0.46 1.32 5.88 11.76 132.90 150.34

0.70 0.70 0.08

750.00 13,664 95,850 7.95 55.77 12,172.48 34,788.60

0.43 0.86 5.88 5.88 17.44 17.44

0.00 0.00 0.00

500.00 18,913 82,186 11.00 47.82 11,221.10 22,616.12

0.19 0.43 0.00 0.00 0.00 0.00

0.00 0.00 0.00

300.00 13,514 63,273 7.86 36.82 4,975.58 11,395.02

0.16 0.24 0.00 0.00 0.00 0.00

0.00 0.00 0.00

200.00 19,108 49,759 11.12 28.95 4,189.14 6,419.45

0.06 0.08 0.00 0.00 0.00 0.00

0.00 0.00 0.00

100.00 13,458 30,651 7.83 17.83 1,561.84 2,230.30

0.03 0.03 0.00 0.00 0.00 0.00

(s) (u)

50.00 17,193 17,193 10.00 10.00 668.46 668.46

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)f

LOSS RATIOBAND


SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 31/12/2013



LL

36

:

(a)

1 0.00 0 0 0.00

2 50.00 2 2 3.52

3 100.00 4 6 2.97

4 200.00 4 10 0.76

5 300.00 25 35 1.13

6 500.00 8 43 2.25

7 750.00 3 46 0.43

8 1,000.00 4 50 0.55

9 1,500.00 5 55 2.28

10 2,000.00 3 58 1.27

11 2,500.00 3 61 1.34

12 3,000.00 4 65 0.56

13 4,000.00 3 68 0.97

14 5,000.00 8 76 8.80

15 7,500.00 3 79 0.65

16 10,000.00 5 84 0.81

17 20,000.00 9 93 0.84

18 50,000.00 4 97 0.87

19 100,000.00 5 102 1.40

20 500,000.00 0 102 0.00


RISK & LOSS PROFILE

As At 31/12/2013



SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

(n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (s) (u)

50.00 16,871 16,871 10.17 10.17 684.84 684.84

(m)

0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00

100.00 12,844 29,715 7.74 17.91 1,529.09 2,213.92 0.05 0.08 1.96 1.96 53.80 53.80 0.32 0.32 2.43

200.00 19,249 48,964 11.60 29.51 4,298.59 6,512.51 0.15 0.23 3.92 5.88 127.53 181.33 0.76 1.09 2.78

300.00 13,527 62,491 8.15 37.67 4,891.56 11,404.08 0.17 0.41 3.92 9.80 36.98 218.31 0.22 1.31 1.91

500.00 19,200 81,691 11.57 49.24 11,214.92 22,619.00 0.40 0.80 24.51 34.31 127.11 345.43 0.76 2.07 1.53

750.00 13,193 94,884 7.95 57.19 11,589.22 34,208.22 0.41 1.22 7.84 42.16 260.23 605.66 1.56 3.63 1.77

1,000.00 13,545 108,429 8.16 65.36 17,484.62 51,692.84 0.62 1.84 2.94 45.10 75.92 681.58 0.46 4.09 1.32

1,500.00 13,683 122,112 8.25 73.61 24,271.12 75,963.97 0.86 2.70 3.92 49.02 133.04 814.63 0.80 4.89 1.07

2,000.00 7,368 129,480 4.44 78.05 18,500.46 94,464.43 0.66 3.36 4.90 53.92 422.12 1,236.75 2.53 7.42 1.31

2,500.00 4,638 134,118 2.80 80.84 14,853.35 109,317.78 0.53 3.89 2.94 56.86 189.22 1,425.97 1.13 8.55 1.30

3,000.00 3,651 137,769 2.20 83.05 14,418.80 123,736.58 0.51 4.40 2.94 59.80 193.30 1,619.26 1.16 9.71 1.31

4,000.00 4,684 142,453 2.82 85.87 23,092.31 146,828.88 0.82 5.22 3.92 63.73 129.87 1,749.13 0.78 10.49 1.19

5,000.00 3,323 145,776 2.00 87.87 21,402.43 168,231.31 0.76 5.98 2.94 66.67 206.61 1,955.74 1.24 11.73 1.16

7,500.00 4,469 150,245 2.69 90.57 38,780.02 207,011.33 1.38 7.36 7.84 74.51 3,411.38 5,367.11 20.46 32.19 2.59

10,000.00 2,913 153,158 1.76 92.32 36,638.90 243,650.23 1.30 8.66 2.94 77.45 238.02 5,605.14 1.43 33.62 2.30

20,000.00 4,571 157,729 2.76 95.08 91,959.01 335,609.23 3.27 11.93 4.90 82.35 746.76 6,351.90 4.48 38.10 1.89

50,000.00 3,914 161,643 2.36 97.44 169,561.85 505,171.08 6.03 17.96 8.82 91.18 1,427.55 7,779.45 8.56 46.66 1.54

100,000.0

0

1,800 163,443 1.09 98.52 171,405.00 676,576.08 6.09 24.05 3.92 95.10 1,496.27 9,275.72 8.97 55.63 1.37

500,000.0

0

1,908 165,351 1.15 99.67 530,197.33 1,206,773.41 18.84 42.89 4.90 100.00 7,397.93 16,673.64 44.37 100.00 1.38

UP 545 165,896 0.33 100.00 1,606,747.78 2,813,521.19 0.00 100.00 0.59

(t)

57.11 100.00 0.00 100.00 0.00 16,673.64

LL

37

:

(a)

1 0.00 1 1 0.04

2 50.00 1 2 0.65

3 100.00 2 4 0.65

4 200.00 0 4 0.00

5 300.00 5 9 0.75

6 500.00 3 12 1.62

7 750.00 3 15 0.44

8 1,000.00 3 18 2.21

9 1,500.00 3 21 5.43

10 2,000.00 5 26 0.63

11 2,500.00 2 28 2.67

12 3,000.00 3 31 0.71

13 4,000.00 2 33 1.21

14 5,000.00 1 34 0.01

15 7,500.00 2 36 0.04

16 10,000.00 1 37 0.10

17 20,000.00 3 40 0.06

18 50,000.00 6 46 0.16

19 100,000.00 4 50 0.82

20 500,000.00 7 57 3.41

SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 31/12/2013



LOSS RATIOBAND

F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)f CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

(s) (u)

50.00 19,824 19,824 12.05 12.05 719.72 719.72

(m) (n) (o) (p) (q) (r)(g) (h) (i) (j) (k) (l)

0.00 0.00 0.04

100.00 14,510 34,334 8.82 20.86 1,682.87 2,402.59

0.03 0.03 1.75 1.75 0.30 0.30

0.03 0.03 0.47

200.00 20,023 54,357 12.17 33.03 4,274.81 6,677.40

0.08 0.11 1.75 3.51 11.00 11.30

0.06 0.09 0.59

300.00 12,898 67,255 7.84 40.87 4,655.36 11,332.76

0.20 0.32 3.51 7.02 27.92 39.22

0.00 0.09 0.35

500.00 18,153 85,408 11.03 51.90 10,492.47 21,825.23

0.22 0.54 0.00 7.02 0.00 39.22

0.18 0.27 0.54

750.00 15,940 101,348 9.69 61.59 13,880.45 35,705.67

0.50 1.03 8.77 15.79 78.46 117.68

0.52 0.79 0.96

1,000.00 14,447 115,795 8.78 70.36 17,289.15 52,994.82

0.66 1.69 5.26 21.05 224.71 342.40

0.18 0.96 0.79

1,500.00 10,779 126,574 6.55 76.91 18,458.82 71,453.65

0.82 2.50 5.26 26.32 76.64 419.04

0.94 1.90 1.16

2,000.00 6,564 133,138 3.99 80.90 16,333.49 87,787.14

0.87 3.38 5.26 31.58 407.65 826.69

2.04 3.94 1.95

2,500.00 4,213 137,351 2.56 83.46 13,271.56 101,058.70

0.77 4.15 5.26 36.84 886.82 1,713.51

0.19 4.13 1.78

3,000.00 3,258 140,609 1.98 85.44 12,412.35 113,471.05

0.63 4.77 8.77 45.61 83.01 1,796.52

0.76 4.89 1.88

4,000.00 3,986 144,595 2.42 87.87 19,631.38 133,102.43

0.59 5.36 3.51 49.12 331.24 2,127.75

0.32 5.21 1.70

5,000.00 2,799 147,394 1.70 89.57 17,834.77 150,937.20

0.93 6.29 5.26 54.39 139.58 2,267.34

0.50 5.71 1.65

7,500.00 3,773 151,167 2.29 91.86 31,955.59 182,892.79

0.84 7.13 3.51 57.89 216.56 2,483.90

0.01 5.72 1.36

10,000.00 2,435 153,602 1.48 93.34 29,946.31 212,839.11

1.51 8.64 1.75 59.65 3.72 2,487.62

0.03 5.75 1.17

20,000.00 3,895 157,497 2.37 95.71 77,791.74 290,630.85

1.41 10.05 3.51 63.16 12.69 2,500.31

0.18 5.92 0.89

50,000.00 3,350 160,847 2.04 97.74 143,184.08 433,814.93

3.67 13.73 1.75 64.91 76.77 2,577.08

236.79 2,901.50

0.20 6.12 0.61

100,000.0

0

1,585 162,432 0.96 98.70 149,785.65 583,600.59

6.76 20.49 5.26 70.18 87.63 2,664.71

UP 433 164,564 0.26 100.00 1,083,142.17 2,116,995.04

21.27 48.84500,000.0

0

1,699 164,131 1.03 99.74 450,252.28 1,033,852.87

84.87 100.00 2.06

(t)

51.16 100.00 12.28 100.00 36,935.27 43,517.69

8.46 15.13 0.647.02 87.72 3,680.92 6,582.42

0.54 6.67 0.507.08 27.57 10.53 80.70

LL

38

:

(a)

1 0.00 84 84 2,190.32

2 50.00 140 224 364.55

3 100.00 298 522 321.55

4 200.00 226 748 408.79

5 300.00 319 1,067 516.75

6 500.00 169 1,236 322.06

7 750.00 145 1,381 157.99

8 1,000.00 83 1,464 144.17

9 1,500.00 61 1,525 194.78

10 2,000.00 32 1,557 252.94

11 2,500.00 25 1,582 91.96

12 3,000.00 35 1,617 121.96

13 4,000.00 20 1,637 77.76

14 5,000.00 36 1,673 54.68

15 7,500.00 39 1,712 156.94

16 10,000.00 51 1,763 201.32

17 20,000.00 33 1,796 99.49

18 50,000.00 16 1,812 9.33

19 100,000.00 34 1,846 35.46

20 500,000.00 16 1,862 34.45

(t)


RISK & LOSS PROFILE

As At 31/12/2013



SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)f BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

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

50.00 17,840 17,840 13.69 13.69 592.00 592.00 0.03 0.03 4.51 4.51 12,966.70 12,966.70 1.31 1.31 2,190.32

100.00 9,486 27,326 7.28 20.96 1,005.69 1,597.69 0.06 0.09 7.52 12.03 3,666.27 16,632.97 0.37 1.68 1,041.06

200.00 13,801 41,127 10.59 31.55 2,735.69 4,333.38 0.15 0.24 16.00 28.03 8,796.61 25,429.59 0.89 2.57 586.83

300.00 9,759 50,886 7.49 39.04 3,118.12 7,451.51 0.18 0.42 12.14 40.17 12,746.69 38,176.28 1.29 3.85 512.33

500.00 14,558 65,444 11.17 50.21 7,465.58 14,917.09 0.42 0.84 17.13 57.30 38,578.22 76,754.50 3.90 7.75 514.54

750.00 12,443 77,887 9.55 59.75 10,044.01 24,961.10 0.56 1.40 9.08 66.38 32,348.23 109,102.73 3.27 11.02 437.09

1,000.00 11,479 89,366 8.81 68.56 12,850.24 37,811.34 0.72 2.12 7.79 74.17 20,301.71 129,404.44 2.05 13.07 342.24

1,500.00 8,839 98,205 6.78 75.34 13,559.13 51,370.47 0.76 2.88 4.46 78.63 19,547.92 148,952.36 1.97 15.04 289.96

2,000.00 5,402 103,607 4.14 79.49 11,626.76 62,997.23 0.65 3.54 3.28 81.90 22,646.25 171,598.61 2.29 17.33 272.39

2,500.00 3,086 106,693 2.37 81.85 8,349.85 71,347.08 0.47 4.01 1.72 83.62 21,120.06 192,718.67 2.13 19.46 270.11

3,000.00 2,611 109,304 2.00 83.86 8,624.50 79,971.58 0.48 4.49 1.34 84.96 7,930.69 200,649.36 0.80 20.26 250.90

4,000.00 3,203 112,507 2.46 86.31 13,412.99 93,384.56 0.75 5.24 1.88 86.84 16,357.99 217,007.35 1.65 21.91 232.38

5,000.00 2,286 114,793 1.75 88.07 12,440.00 105,824.57 0.70 5.94 1.07 87.92 9,672.80 226,680.15 0.98 22.89 214.20

7,500.00 3,179 117,972 2.44 90.51 23,952.66 129,777.22 1.34 7.29 1.93 89.85 13,098.36 239,778.51 1.32 24.21 184.76

10,000.00 2,133 120,105 1.64 92.14 22,607.26 152,384.49 1.27 8.56 2.09 91.94 35,479.35 275,257.85 3.58 27.79 180.63

20,000.00 3,537 123,642 2.71 94.86 62,069.35 214,453.84 3.48 12.04 2.74 94.68 124,961.03 400,218.88 12.62 40.41 186.62

50,000.00 3,234 126,876 2.48 97.34 115,552.65 330,006.49 6.49 18.53 1.77 96.46 114,958.45 515,177.33 11.61 52.01 156.11

100,000.0

0

1,493 128,369 1.15 98.48 113,197.54 443,204.02 6.36 24.88 0.86 97.31 10,555.89 525,733.22 1.07 53.08 118.62

500,000.0

0

1,574 129,943 1.21 99.69 377,455.07 820,659.09 21.19 46.07 1.83 99.14 133,840.51 659,573.73 13.51 66.59 80.37

UP 404 130,347 0.31 100.00 960,524.56 1,781,183.65 33.41 100.00 55.6153.93 100.00 0.86 100.00 330,866.34 990,440.07

LL

39

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.00


RISK & LOSS PROFILE

As At 31/12/2013


PROCESSING DATE 07/02/2014OCCUPATION : AGRICULTURAL

SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

(o) (p) (q) (r)(g) (h) (i) (j) (k) (s) (u)

50.00 2 2 0.60 0.60 0.00 0.00

(m)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

100.00 0 2 0.00 0.60 0.07 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

200.00 5 7 1.50 2.10 1.06 1.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

300.00 10 17 3.00 5.11 3.89 5.02 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00

500.00 18 35 5.41 10.51 10.36 15.38 0.04 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00

750.00 23 58 6.91 17.42 19.76 35.14 0.08 0.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1,000.00 10 68 3.00 20.42 11.10 46.23 0.04 0.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1,500.00 13 81 3.90 24.32 21.02 67.25 0.08 0.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2,000.00 12 93 3.60 27.93 28.20 95.45 0.11 0.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2,500.00 14 107 4.20 32.13 39.00 134.44 0.15 0.52 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3,000.00 12 119 3.60 35.74 45.04 179.48 0.17 0.70 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4,000.00 17 136 5.11 40.84 66.94 246.42 0.26 0.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5,000.00 12 148 3.60 44.44 81.12 327.54 0.31 1.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7,500.00 27 175 8.11 52.55 224.16 551.70 0.87 2.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10,000.00 12 187 3.60 56.16 130.41 682.11 0.51 2.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20,000.00 24 211 7.21 63.36 455.59 1,137.70 1.77 4.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00

50,000.00 36 247 10.81 74.17 1,590.79 2,728.49 6.16 10.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00

100,000.00 31 278 9.31 83.48 2,677.67 5,406.16 10.37 20.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00

500,000.00 52 330 15.62 99.10 11,471.72 16,877.88 44.45 65.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00

UP 3 333 0.90 100.00 8,931.54 25,809.42 0.00 0.00 0.00

(t)

34.61 100.00 0.00 0.00 0.00 0.00

40

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 2 2 1.64

6 500.00 0 2 0.00

7 750.00 0 2 0.00

8 1,000.00 0 2 0.00

9 1,500.00 0 2 0.00

10 2,000.00 0 2 0.00

11 2,500.00 0 2 0.00

12 3,000.00 0 2 0.00

13 4,000.00 0 2 0.00

14 5,000.00 0 2 0.00

15 7,500.00 0 2 0.00

16 10,000.00 0 2 0.00

17 20,000.00 0 2 0.00

18 50,000.00 0 2 0.00

19 100,000.00 0 2 0.00

20 500,000.00 0 2 0.00


RISK & LOSS PROFILE

As At 31/12/2013


PROCESSING DATE 07/02/2014OCCUPATION : COMMERCIAL

SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

(o) (p) (q) (r)(g) (h) (i) (j) (k) (s) (u)

50.00 5,654 5,654 8.80 8.80 237.35 237.35

(m)

0.05 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00

100.00 5,837 11,491 9.09 17.89 653.05 890.41 0.13 0.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00

200.00 6,658 18,149 10.37 28.26 1,477.82 2,368.23 0.29 0.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00

300.00 4,444 22,593 6.92 35.18 1,696.52 4,064.75 0.33 0.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00

500.00 6,727 29,320 10.48 45.66 4,085.94 8,150.68 0.79 1.58 100.00 100.00 67.00 67.00 100.00 100.00 0.82

750.00 5,810 35,130 9.05 54.71 5,348.98 13,499.66 1.04 2.61 0.00 100.00 0.00 67.00 0.00 100.00 0.50

1,000.00 4,961 40,091 7.73 62.43 6,493.74 19,993.40 1.26 3.87 0.00 100.00 0.00 67.00 0.00 100.00 0.34

1,500.00 5,007 45,098 7.80 70.23 9,348.89 29,342.29 1.81 5.68 0.00 100.00 0.00 67.00 0.00 100.00 0.23

2,000.00 3,504 48,602 5.46 75.68 9,193.01 38,535.30 1.78 7.46 0.00 100.00 0.00 67.00 0.00 100.00 0.17

2,500.00 2,116 50,718 3.30 78.98 6,923.89 45,459.19 1.34 8.80 0.00 100.00 0.00 67.00 0.00 100.00 0.15

3,000.00 1,718 52,436 2.68 81.65 6,984.51 52,443.70 1.35 10.15 0.00 100.00 0.00 67.00 0.00 100.00 0.13

4,000.00 2,140 54,576 3.33 84.99 10,867.38 63,311.08 2.10 12.25 0.00 100.00 0.00 67.00 0.00 100.00 0.11

5,000.00 1,630 56,206 2.54 87.53 10,693.10 74,004.19 2.07 14.32 0.00 100.00 0.00 67.00 0.00 100.00 0.09

7,500.00 2,117 58,323 3.30 90.82 18,873.83 92,878.02 3.65 17.97 0.00 100.00 0.00 67.00 0.00 100.00 0.07

10,000.00 1,358 59,681 2.11 92.94 16,866.84 109,744.85 3.26 21.24 0.00 100.00 0.00 67.00 0.00 100.00 0.06

20,000.00 1,946 61,627 3.03 95.97 39,194.05 148,938.90 7.58 28.82 0.00 100.00 0.00 67.00 0.00 100.00 0.04

50,000.00 1,466 63,093 2.28 98.25 65,636.01 214,574.91 12.70 41.52 0.00 100.00 0.00 67.00 0.00 100.00 0.03

100,000.0

0

560 63,653 0.87 99.12 56,846.72 271,421.63 11.00 52.52 0.00 100.00 0.00 67.00 0.00 100.00 0.02

500,000.0

0

487 64,140 0.76 99.88 133,737.88 405,159.51 25.88 78.40 0.00 100.00 0.00 67.00 0.00 100.00 0.02

UP 77 64,217 0.12 100.00 111,619.86 516,779.37 0.00 100.00 0.01

(t)

21.60 100.00 0.00 100.00 0.00 67.00

LL

41

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.00


RISK & LOSS PROFILE

As At 31/12/2013


PROCESSING DATE 07/02/2014OCCUPATION : INDUSTRIAL

SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

(o) (p) (q) (r)(g) (h) (i) (j) (k) (s) (u)

50.00 1,580 1,580 12.38 12.38 39.10 39.10

(m)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

100.00 313 1,893 2.45 14.83 34.58 73.68 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00

200.00 418 2,311 3.27 18.10 98.96 172.64 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00

300.00 403 2,714 3.16 21.26 147.75 320.38 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00

500.00 481 3,195 3.77 25.03 296.72 617.10 0.02 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00

750.00 432 3,627 3.38 28.41 398.37 1,015.47 0.03 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1,000.00 422 4,049 3.31 31.72 560.89 1,576.35 0.04 0.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1,500.00 726 4,775 5.69 37.41 1,329.08 2,905.43 0.09 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2,000.00 527 5,302 4.13 41.54 1,362.99 4,268.42 0.10 0.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2,500.00 461 5,763 3.61 45.15 1,525.83 5,794.26 0.11 0.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3,000.00 373 6,136 2.92 48.07 1,514.76 7,309.02 0.11 0.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4,000.00 507 6,643 3.97 52.04 2,557.57 9,866.59 0.18 0.69 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5,000.00 439 7,082 3.44 55.48 2,855.01 12,721.60 0.20 0.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7,500.00 781 7,863 6.12 61.60 6,841.47 19,563.07 0.48 1.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10,000.00 615 8,478 4.82 66.42 8,017.42 27,580.49 0.56 1.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20,000.00 1,120 9,598 8.77 75.19 22,907.43 50,487.92 1.61 3.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00

50,000.00 1,164 10,762 9.12 84.31 54,470.46 104,958.38 3.84 7.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00

100,000.0

0

814 11,576 6.38 90.69 82,945.90 187,904.28 5.84 13.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00

500,000.0

0

864 12,440 6.77 97.45 267,875.95 455,780.23 18.87 32.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00

UP 325 12,765 2.55 100.00 963,969.74 1,419,749.97 0.00 0.00 0.00

(t)

67.90 100.00 0.00 0.00 0.00 0.00

LL

42

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 1 1 0.67

5 300.00 0 1 0.00

6 500.00 1 2 1.99

7 750.00 0 2 0.00

8 1,000.00 0 2 0.00

9 1,500.00 0 2 0.00

10 2,000.00 0 2 0.00

11 2,500.00 0 2 0.00

12 3,000.00 0 2 0.00

13 4,000.00 0 2 0.00

14 5,000.00 0 2 0.00

15 7,500.00 0 2 0.00

16 10,000.00 0 2 0.00

17 20,000.00 0 2 0.00

18 50,000.00 0 2 0.00

19 100,000.00 0 2 0.00

20 500,000.00 0 2 0.00


RISK & LOSS PROFILE

As At 31/12/2013


PROCESSING DATE 07/02/2014OCCUPATION : RESIDENTIAL

SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

(o) (p) (q) (r)(g) (h) (i) (j) (k) (s) (u)

50.00 3,803 3,803 7.71 7.71 134.83 134.83

(m)

0.05 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00

100.00 3,672 7,475 7.44 15.15 407.96 542.79 0.14 0.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00

200.00 6,538 14,013 13.25 28.41 1,458.53 2,001.32 0.50 0.69 0.00 0.00 0.00 0.00 0.00 0.00 0.00

300.00 5,106 19,119 10.35 38.76 1,862.94 3,864.26 0.64 1.33 50.00 50.00 12.44 12.44 13.03 13.03 0.32

500.00 6,991 26,110 14.17 52.93 3,998.12 7,862.38 1.37 2.70 0.00 50.00 0.00 12.44 0.00 13.03 0.16

750.00 4,825 30,935 9.78 62.72 4,161.58 12,023.96 1.43 4.13 50.00 100.00 83.00 95.44 86.97 100.00 0.79

1,000.00 4,014 34,949 8.14 70.85 4,931.05 16,955.01 1.69 5.82 0.00 100.00 0.00 95.44 0.00 100.00 0.56

1,500.00 3,982 38,931 8.07 78.93 6,906.17 23,861.18 2.37 8.19 0.00 100.00 0.00 95.44 0.00 100.00 0.40

2,000.00 2,372 41,303 4.81 83.73 5,799.25 29,660.43 1.99 10.18 0.00 100.00 0.00 95.44 0.00 100.00 0.32

2,500.00 1,462 42,765 2.96 86.70 4,561.89 34,222.33 1.57 11.75 0.00 100.00 0.00 95.44 0.00 100.00 0.28

3,000.00 1,062 43,827 2.15 88.85 4,070.97 38,293.30 1.40 13.15 0.00 100.00 0.00 95.44 0.00 100.00 0.25

4,000.00 1,357 45,184 2.75 91.60 6,601.50 44,894.80 2.27 15.41 0.00 100.00 0.00 95.44 0.00 100.00 0.21

5,000.00 867 46,051 1.76 93.36 5,378.52 50,273.33 1.85 17.26 0.00 100.00 0.00 95.44 0.00 100.00 0.19

7,500.00 1,011 47,062 2.05 95.41 8,426.39 58,699.71 2.89 20.15 0.00 100.00 0.00 95.44 0.00 100.00 0.16

10,000.00 584 47,646 1.18 96.59 7,151.07 65,850.78 2.46 22.61 0.00 100.00 0.00 95.44 0.00 100.00 0.14

20,000.00 767 48,413 1.55 98.15 15,277.11 81,127.90 5.25 27.86 0.00 100.00 0.00 95.44 0.00 100.00 0.12

50,000.00 434 48,847 0.88 99.03 19,516.45 100,644.34 6.70 34.56 0.00 100.00 0.00 95.44 0.00 100.00 0.09

100,000.0

0

210 49,057 0.43 99.45 22,864.94 123,509.29 7.85 42.41 0.00 100.00 0.00 95.44 0.00 100.00 0.08

500,000.0

0

224 49,281 0.45 99.91 74,424.18 197,933.47 25.55 67.96 0.00 100.00 0.00 95.44 0.00 100.00 0.05

UP 45 49,326 0.09 100.00 93,309.44 291,242.90 0.00 100.00 0.03

(t)

32.04 100.00 0.00 100.00 0.00 95.44

LL

43

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.000.00 0.00 0.00

(t)

29.05 100.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00

UP 6 420 1.43 100.00 8,569.63 29,495.08

42.16 70.95 0.00 0.00 0.00 0.00

0.00 0.00 0.00

500,000.0

0

52 414 12.38 98.57 12,434.00 20,925.45

15.04 28.79 0.00 0.00 0.00 0.00

0.00 0.00 0.00

100,000.0

0

48 362 11.43 86.19 4,437.07 8,491.45

8.97 13.75 0.00 0.00 0.00 0.00

0.00 0.00 0.00

50,000.00 58 314 13.81 74.76 2,645.23 4,054.39

1.69 4.78 0.00 0.00 0.00 0.00

0.00 0.00 0.00

20,000.00 28 256 6.67 60.95 499.62 1,409.16

0.90 3.08 0.00 0.00 0.00 0.00

0.00 0.00 0.00

10,000.00 21 228 5.00 54.29 265.21 909.54

0.80 2.18 0.00 0.00 0.00 0.00

0.00 0.00 0.00

7,500.00 30 207 7.14 49.29 235.58 644.33

0.33 1.39 0.00 0.00 0.00 0.00

0.00 0.00 0.00

5,000.00 13 177 3.10 42.14 98.66 408.75

0.24 1.05 0.00 0.00 0.00 0.00

0.00 0.00 0.00

4,000.00 18 164 4.29 39.05 71.42 310.09

0.23 0.81 0.00 0.00 0.00 0.00

0.00 0.00 0.00

3,000.00 19 146 4.52 34.76 67.11 238.67

0.12 0.58 0.00 0.00 0.00 0.00

0.00 0.00 0.00

2,500.00 11 127 2.62 30.24 35.38 171.56

0.19 0.46 0.00 0.00 0.00 0.00

0.00 0.00 0.00

2,000.00 23 116 5.48 27.62 54.94 136.17

0.09 0.28 0.00 0.00 0.00 0.00

0.00 0.00 0.00

1,500.00 16 93 3.81 22.14 25.24 81.23

0.04 0.19 0.00 0.00 0.00 0.00

0.00 0.00 0.00

1,000.00 9 77 2.14 18.33 12.52 56.00

0.09 0.15 0.00 0.00 0.00 0.00

0.00 0.00 0.00

750.00 31 68 7.38 16.19 27.22 43.47

0.04 0.06 0.00 0.00 0.00 0.00

0.00 0.00 0.00

500.00 18 37 4.29 8.81 11.19 16.25

0.01 0.02 0.00 0.00 0.00 0.00

0.00 0.00 0.00

300.00 9 19 2.14 4.52 3.20 5.07

0.00 0.01 0.00 0.00 0.00 0.00

0.00 0.00 0.00

200.00 4 10 0.95 2.38 1.07 1.87

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00

100.00 3 6 0.71 1.43 0.63 0.80

0.00 0.00 0.00 0.00 0.00 0.00

(s) (u)

50.00 3 3 0.71 0.71 0.17 0.17

(m) (o) (p) (q) (r)(g) (h) (i) (j) (k)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

LOSS RATIOBAND


SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 31/12/2013



LL

44

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 1 1 0.31

6 500.00 1 2 2.02

7 750.00 0 2 0.00

8 1,000.00 1 3 0.86

9 1,500.00 2 5 3.39

10 2,000.00 1 6 0.71

11 2,500.00 0 6 0.00

12 3,000.00 0 6 0.00

13 4,000.00 1 7 1.57

14 5,000.00 2 9 2.53

15 7,500.00 2 11 2.80

16 10,000.00 3 14 0.59

17 20,000.00 0 14 0.00

18 50,000.00 0 14 0.00

19 100,000.00 1 15 0.00

20 500,000.00 0 15 0.000.00 100.00 0.37

(t)

24.37 100.00 0.00 100.00 0.00 2,356.90

0.18 100.00 0.49

UP 95 94,220 0.10 100.00 155,899.30 639,792.77

22.89 75.63 6.67 100.00 4.14 2,356.90

0.00 99.82 0.70

500,000.0

0

534 94,125 0.57 99.90 146,434.48 483,893.47

11.01 52.75 0.00 93.33 0.00 2,352.76

0.00 99.82 0.88

100,000.0

0

779 93,591 0.83 99.33 70,456.74 337,458.99

11.76 41.73 0.00 93.33 0.00 2,352.76

11.87 99.82 1.23

50,000.00 1,775 92,812 1.88 98.51 75,238.25 267,002.25

7.43 29.97 20.00 93.33 279.65 2,352.76

23.55 87.96 1.44

20,000.00 2,407 91,037 2.55 96.62 47,509.73 191,764.00

3.10 22.55 13.33 73.33 555.00 2,073.11

23.11 64.41 1.22

10,000.00 1,590 88,630 1.69 94.07 19,812.64 144,254.27

3.36 19.45 13.33 60.00 544.64 1,518.11

8.20 41.30 0.95

7,500.00 2,484 87,040 2.64 92.38 21,520.29 124,441.62

1.93 16.09 6.67 46.67 193.16 973.47

0.00 33.11 0.86

5,000.00 1,880 84,556 2.00 89.74 12,320.20 102,921.33

2.10 14.16 0.00 40.00 0.00 780.31

0.00 33.11 1.01

4,000.00 2,637 82,676 2.80 87.75 13,460.15 90,601.13

1.31 12.06 0.00 40.00 0.00 780.31

2.64 33.11 1.13

3,000.00 2,106 80,039 2.24 84.95 8,384.25 77,140.98

1.37 10.75 6.67 40.00 62.33 780.31

17.31 30.46 1.20

2,500.00 2,698 77,933 2.86 82.71 8,751.75 68,756.73

1.88 9.38 13.33 33.33 408.04 717.98

6.77 13.15 0.65

2,000.00 4,652 75,235 4.94 79.85 12,019.94 60,004.97

2.90 7.50 6.67 20.00 159.60 309.94

0.00 6.38 0.51

1,500.00 10,593 70,583 11.24 74.91 18,556.21 47,985.03

1.74 4.60 0.00 13.33 0.00 150.34

5.64 6.38 0.82

1,000.00 8,493 59,990 9.01 63.67 11,155.33 29,428.82

1.03 2.86 6.67 13.33 132.90 150.34

0.74 0.74 0.15

750.00 7,196 51,497 7.64 54.66 6,567.94 18,273.49

0.89 1.83 6.67 6.67 17.44 17.44

0.00 0.00 0.00

500.00 9,309 44,301 9.88 47.02 5,704.57 11,705.56

0.37 0.94 0.00 0.00 0.00 0.00

0.00 0.00 0.00

300.00 6,300 34,992 6.69 37.14 2,386.18 6,000.98

0.33 0.56 0.00 0.00 0.00 0.00

0.00 0.00 0.00

200.00 9,687 28,692 10.28 30.45 2,139.18 3,614.80

0.16 0.23 0.00 0.00 0.00 0.00

0.00 0.00 0.00

100.00 8,588 19,005 9.11 20.17 1,015.31 1,475.63

0.07 0.07 0.00 0.00 0.00 0.00

(s) (u)

50.00 10,417 10,417 11.06 11.06 460.31 460.31

(m) (o) (p) (q) (r)(g) (h) (i) (j) (k)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

LOSS RATIOBAND


SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 31/12/2013



LL

45

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.000.00 0.00 0.00

(t)

64.53 100.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00

UP 401 16,252 2.47 100.00 1,047,451.74 1,623,301.32

20.97 35.47 0.00 0.00 0.00 0.00

0.00 0.00 0.00

500,000.0

0

1,181 15,851 7.27 97.53 340,433.54 575,849.57

5.91 14.50 0.00 0.00 0.00 0.00

0.00 0.00 0.00

100,000.0

0

978 14,670 6.02 90.27 95,952.15 235,416.03

4.50 8.59 0.00 0.00 0.00 0.00

0.00 0.00 0.00

50,000.00 1,632 13,692 10.04 84.25 73,066.88 139,463.89

1.84 4.09 0.00 0.00 0.00 0.00

0.00 0.00 0.00

20,000.00 1,484 12,060 9.13 74.21 29,882.51 66,397.01

0.60 2.25 0.00 0.00 0.00 0.00

0.00 0.00 0.00

10,000.00 781 10,576 4.81 65.08 9,713.24 36,514.50

0.56 1.65 0.00 0.00 0.00 0.00

0.00 0.00 0.00

7,500.00 1,037 9,795 6.38 60.27 9,168.09 26,801.26

0.23 1.09 0.00 0.00 0.00 0.00

0.00 0.00 0.00

5,000.00 586 8,758 3.61 53.89 3,809.76 17,633.18

0.23 0.85 0.00 0.00 0.00 0.00

0.00 0.00 0.00

4,000.00 748 8,172 4.60 50.28 3,790.54 13,823.42

0.13 0.62 0.00 0.00 0.00 0.00

0.00 0.00 0.00

3,000.00 515 7,424 3.17 45.68 2,102.90 10,032.88

0.11 0.49 0.00 0.00 0.00 0.00

0.00 0.00 0.00

2,500.00 578 6,909 3.56 42.51 1,860.89 7,929.98

0.11 0.37 0.00 0.00 0.00 0.00

0.00 0.00 0.00

2,000.00 692 6,331 4.26 38.96 1,807.17 6,069.09

0.11 0.26 0.00 0.00 0.00 0.00

0.00 0.00 0.00

1,500.00 954 5,639 5.87 34.70 1,838.88 4,261.92

0.05 0.15 0.00 0.00 0.00 0.00

0.00 0.00 0.00

1,000.00 652 4,685 4.01 28.83 876.23 2,423.04

0.04 0.10 0.00 0.00 0.00 0.00

0.00 0.00 0.00

750.00 691 4,033 4.25 24.82 625.98 1,546.81

0.03 0.06 0.00 0.00 0.00 0.00

0.00 0.00 0.00

500.00 765 3,342 4.71 20.56 468.18 920.83

0.01 0.03 0.00 0.00 0.00 0.00

0.00 0.00 0.00

300.00 631 2,577 3.88 15.86 227.29 452.65

0.01 0.01 0.00 0.00 0.00 0.00

0.00 0.00 0.00

200.00 653 1,946 4.02 11.97 147.88 225.36

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00

100.00 404 1,293 2.49 7.96 45.66 77.48

0.00 0.00 0.00 0.00 0.00 0.00

(s) (u)

50.00 889 889 5.47 5.47 31.82 31.82

(m) (o) (p) (q) (r)(g) (h) (i) (j) (k)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

LOSS RATIOBAND


SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 31/12/2013



LL

46

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 1 1 0.65

9 1,500.00 0 1 0.00

10 2,000.00 0 1 0.00

11 2,500.00 0 1 0.00

12 3,000.00 0 1 0.00

13 4,000.00 0 1 0.00

14 5,000.00 0 1 0.00

15 7,500.00 0 1 0.00

16 10,000.00 1 2 0.50

17 20,000.00 0 2 0.00

18 50,000.00 0 2 0.00

19 100,000.00 0 2 0.00

20 500,000.00 0 2 0.000.00 100.00 0.04

(t)

33.55 100.00 0.00 100.00 0.00 150.00

0.00 100.00 0.07

UP 44 60,972 0.07 100.00 115,787.78 345,103.08

25.37 66.45 0.00 100.00 0.00 150.00

0.00 100.00 0.11

500,000.0

0

274 60,928 0.45 99.93 87,543.45 229,315.30

6.26 41.08 0.00 100.00 0.00 150.00

0.00 100.00 0.12

100,000.0

0

220 60,654 0.36 99.48 21,618.53 141,771.85

7.09 34.82 0.00 100.00 0.00 150.00

66.67 100.00 0.16

50,000.00 523 60,434 0.86 99.12 24,473.03 120,153.33

5.78 27.73 50.00 100.00 100.00 150.00

0.00 33.33 0.07

20,000.00 896 59,911 1.47 98.26 19,938.29 95,680.29

2.49 21.95 0.00 50.00 0.00 50.00

0.00 33.33 0.07

10,000.00 674 59,015 1.11 96.79 8,599.55 75,742.01

2.96 19.46 0.00 50.00 0.00 50.00

0.00 33.33 0.09

7,500.00 1,180 58,341 1.94 95.68 10,218.85 67,142.46

1.71 16.49 0.00 50.00 0.00 50.00

0.00 33.33 0.10

5,000.00 907 57,161 1.49 93.75 5,884.92 56,923.61

2.01 14.79 0.00 50.00 0.00 50.00

0.00 33.33 0.11

4,000.00 1,421 56,254 2.33 92.26 6,945.53 51,038.69

1.35 12.78 0.00 50.00 0.00 50.00

0.00 33.33 0.13

3,000.00 1,217 54,833 2.00 89.93 4,651.59 44,093.16

1.40 11.43 0.00 50.00 0.00 50.00

0.00 33.33 0.14

2,500.00 1,556 53,616 2.55 87.94 4,841.25 39,441.57

1.81 10.03 0.00 50.00 0.00 50.00

33.33 33.33 0.18

2,000.00 2,580 52,060 4.23 85.38 6,244.44 34,600.33

2.23 8.22 50.00 50.00 50.00 50.00

0.00 0.00 0.00

1,500.00 4,491 49,480 7.37 81.15 7,687.03 28,355.89

1.66 5.99 0.00 0.00 0.00 0.00

0.00 0.00 0.00

1,000.00 4,737 44,989 7.77 73.79 5,744.03 20,668.85

1.43 4.32 0.00 0.00 0.00 0.00

0.00 0.00 0.00

750.00 5,746 40,252 9.42 66.02 4,951.34 14,924.83

1.46 2.89 0.00 0.00 0.00 0.00

0.00 0.00 0.00

500.00 8,821 34,506 14.47 56.59 5,037.16 9,973.48

0.68 1.43 0.00 0.00 0.00 0.00

0.00 0.00 0.00

300.00 6,574 25,685 10.78 42.13 2,358.91 4,936.33

0.55 0.75 0.00 0.00 0.00 0.00

0.00 0.00 0.00

200.00 8,764 19,111 14.37 31.34 1,901.02 2,577.42

0.14 0.20 0.00 0.00 0.00 0.00

0.00 0.00 0.00

100.00 4,463 10,347 7.32 16.97 500.25 676.40

0.05 0.05 0.00 0.00 0.00 0.00

(s) (u)

50.00 5,884 5,884 9.65 9.65 176.15 176.15

(m) (o) (p) (q) (r)(g) (h) (i) (j) (k)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

LOSS RATIOBAND


SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 31/12/2013



LL

47

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.000.00 0.00 0.00

(t)

33.13 100.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00

UP 7 379 1.85 100.00 7,904.59 23,859.57

32.04 66.87 0.00 0.00 0.00 0.00

0.00 0.00 0.00

500,000.0

0

40 372 10.55 98.15 7,644.18 15,954.98

19.15 34.83 0.00 0.00 0.00 0.00

0.00 0.00 0.00

100,000.0

0

47 332 12.40 87.60 4,569.84 8,310.80

10.25 15.68 0.00 0.00 0.00 0.00

0.00 0.00 0.00

50,000.00 63 285 16.62 75.20 2,445.70 3,740.96

2.25 5.43 0.00 0.00 0.00 0.00

0.00 0.00 0.00

20,000.00 32 222 8.44 58.58 536.16 1,295.26

1.04 3.18 0.00 0.00 0.00 0.00

0.00 0.00 0.00

10,000.00 23 190 6.07 50.13 247.82 759.10

0.65 2.14 0.00 0.00 0.00 0.00

0.00 0.00 0.00

7,500.00 20 167 5.28 44.06 155.53 511.28

0.23 1.49 0.00 0.00 0.00 0.00

0.00 0.00 0.00

5,000.00 7 147 1.85 38.79 54.14 355.75

0.29 1.26 0.00 0.00 0.00 0.00

0.00 0.00 0.00

4,000.00 14 140 3.69 36.94 68.58 301.61

0.22 0.98 0.00 0.00 0.00 0.00

0.00 0.00 0.00

3,000.00 13 126 3.43 33.25 52.69 233.03

0.19 0.76 0.00 0.00 0.00 0.00

0.00 0.00 0.00

2,500.00 12 113 3.17 29.82 44.72 180.34

0.17 0.57 0.00 0.00 0.00 0.00

0.00 0.00 0.00

2,000.00 15 101 3.96 26.65 40.90 135.62

0.22 0.40 0.00 0.00 0.00 0.00

0.00 0.00 0.00

1,500.00 26 86 6.86 22.69 51.87 94.72

0.03 0.18 0.00 0.00 0.00 0.00

0.00 0.00 0.00

1,000.00 6 60 1.58 15.83 6.32 42.85

0.07 0.15 0.00 0.00 0.00 0.00

0.00 0.00 0.00

750.00 16 54 4.22 14.25 16.06 36.53

0.04 0.09 0.00 0.00 0.00 0.00

0.00 0.00 0.00

500.00 10 38 2.64 10.03 9.37 20.48

0.02 0.05 0.00 0.00 0.00 0.00

0.00 0.00 0.00

300.00 8 28 2.11 7.39 4.97 11.11

0.02 0.03 0.00 0.00 0.00 0.00

0.00 0.00 0.00

200.00 10 20 2.64 5.28 4.55 6.14

0.00 0.01 0.00 0.00 0.00 0.00

0.00 0.00 0.00

100.00 5 10 1.32 2.64 1.06 1.59

0.00 0.00 0.00 0.00 0.00 0.00

(s) (u)

50.00 5 5 1.32 1.32 0.54 0.54

(m) (o) (p) (q) (r)(g) (h) (i) (j) (k)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

LOSS RATIOBAND


SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 31/12/2013



LL

48

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 1 1 0.22

4 200.00 2 3 0.73

5 300.00 16 19 1.15

6 500.00 4 23 2.25

7 750.00 1 24 0.56

8 1,000.00 2 26 0.71

9 1,500.00 4 30 3.49

10 2,000.00 3 33 2.25

11 2,500.00 2 35 2.26

12 3,000.00 3 38 0.82

13 4,000.00 3 41 1.71

14 5,000.00 7 48 16.65

15 7,500.00 3 51 1.28

16 10,000.00 4 55 1.58

17 20,000.00 7 62 1.88

18 50,000.00 4 66 2.42

19 100,000.00 5 71 6.41

20 500,000.00 0 71 0.000.00 100.00 2.13

(t)

42.98 100.00 0.00 100.00 0.00 16,030.66

46.15 100.00 3.74

UP 71 91,395 0.08 100.00 322,944.19 751,463.85

15.36 57.02 7.04 100.00 7,397.93 16,030.66

9.33 53.85 2.76

500,000.0

0

421 91,324 0.46 99.92 115,460.29 428,519.66

8.24 41.66 5.63 92.96 1,496.27 8,632.73

8.44 44.52 2.84

100,000.0

0

622 90,903 0.68 99.46 61,912.59 313,059.37

9.58 33.42 9.86 87.32 1,352.39 7,136.47

4.35 36.08 3.23

50,000.00 1,680 90,281 1.84 98.78 71,982.74 251,146.78

5.87 23.84 5.63 77.46 696.76 5,784.07

1.48 31.73 3.77

20,000.00 2,302 88,601 2.52 96.94 44,139.17 179,164.04

2.47 17.97 4.23 71.83 238.02 5,087.31

21.22 30.25 4.16

10,000.00 1,487 86,299 1.63 94.42 18,545.64 135,024.87

2.72 15.50 9.86 67.61 3,401.26 4,849.28

1.29 9.03 1.51

7,500.00 2,372 84,812 2.60 92.80 20,427.23 116,479.23

1.61 12.78 4.23 57.75 206.61 1,448.03

0.65 7.74 1.48

5,000.00 1,859 82,440 2.03 90.20 12,106.25 96,052.00

1.70 11.17 4.23 53.52 104.87 1,241.42

1.12 7.09 1.60

4,000.00 2,562 80,581 2.80 88.17 12,773.73 83,945.76

1.06 9.47 2.82 49.30 179.63 1,136.55

1.18 5.97 1.51

3,000.00 1,976 78,019 2.16 85.36 7,942.59 71,172.03

1.12 8.41 4.23 46.48 189.22 956.92

2.33 4.79 1.40

2,500.00 2,591 76,043 2.83 83.20 8,400.49 63,229.44

1.42 7.30 5.63 42.25 373.42 767.70

0.67 2.46 0.89

2,000.00 4,191 73,452 4.59 80.37 10,688.54 54,828.95

2.02 5.87 2.82 36.62 107.84 394.29

0.39 1.79 0.99

1,500.00 8,425 69,261 9.22 75.78 15,151.01 44,140.41

1.50 3.86 1.41 33.80 62.47 286.45

0.85 1.40 1.26

1,000.00 8,384 60,836 9.17 66.56 11,235.22 28,989.40

0.80 2.36 5.63 32.39 136.19 223.98

0.41 0.55 0.75

750.00 6,700 52,452 7.33 57.39 6,047.68 17,754.17

0.76 1.56 22.54 26.76 65.99 87.79

0.11 0.14 0.37

500.00 9,453 45,752 10.34 50.06 5,746.19 11,706.50

0.31 0.79 2.82 4.23 16.98 21.80

0.03 0.03 0.13

300.00 6,256 36,299 6.85 39.72 2,328.61 5,960.31

0.29 0.48 1.41 1.41 4.82 4.82

0.00 0.00 0.00

200.00 9,527 30,043 10.42 32.87 2,169.32 3,631.70

0.13 0.19 0.00 0.00 0.00 0.00

0.00 0.00 0.00

100.00 7,883 20,516 8.63 22.45 941.69 1,462.38

0.07 0.07 0.00 0.00 0.00 0.00

(s) (u)

50.00 12,633 12,633 13.82 13.82 520.70 520.70

(m) (o) (p) (q) (r)(g) (h) (i) (j) (k)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

LOSS RATIOBAND


SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 31/12/2013



LL

49

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.000.00 0.00 0.00

(t)

67.95 100.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00

UP 424 14,995 2.83 100.00 1,152,053.49 1,695,522.78

19.27 32.05 0.00 0.00 0.00 0.00

0.00 0.00 0.00

500,000.0

0

1,204 14,571 8.03 97.17 326,765.60 543,469.29

4.83 12.78 0.00 0.00 0.00 0.00

0.00 0.00 0.00

100,000.0

0

919 13,367 6.13 89.14 81,939.20 216,703.69

4.16 7.95 0.00 0.00 0.00 0.00

0.00 0.00 0.00

50,000.00 1,638 12,448 10.92 83.01 70,587.73 134,764.49

1.70 3.79 0.00 0.00 0.00 0.00

0.00 0.00 0.00

20,000.00 1,427 10,810 9.52 72.09 28,808.42 64,176.76

0.57 2.09 0.00 0.00 0.00 0.00

0.00 0.00 0.00

10,000.00 763 9,383 5.09 62.57 9,667.88 35,368.34

0.49 1.52 0.00 0.00 0.00 0.00

0.00 0.00 0.00

7,500.00 955 8,620 6.37 57.49 8,297.93 25,700.46

0.23 1.03 0.00 0.00 0.00 0.00

0.00 0.00 0.00

5,000.00 593 7,665 3.95 51.12 3,877.10 17,402.53

0.21 0.80 0.00 0.00 0.00 0.00

0.00 0.00 0.00

4,000.00 735 7,072 4.90 47.16 3,620.91 13,525.44

0.12 0.58 0.00 0.00 0.00 0.00

0.00 0.00 0.00

3,000.00 471 6,337 3.14 42.26 2,039.53 9,904.53

0.11 0.46 0.00 0.00 0.00 0.00

0.00 0.00 0.00

2,500.00 544 5,866 3.63 39.12 1,799.01 7,865.00

0.11 0.36 0.00 0.00 0.00 0.00

0.00 0.00 0.00

2,000.00 708 5,322 4.72 35.49 1,927.47 6,065.99

0.11 0.24 0.00 0.00 0.00 0.00

0.00 0.00 0.00

1,500.00 955 4,614 6.37 30.77 1,845.64 4,138.52

0.05 0.14 0.00 0.00 0.00 0.00

0.00 0.00 0.00

1,000.00 663 3,659 4.42 24.40 913.68 2,292.88

0.03 0.08 0.00 0.00 0.00 0.00

0.00 0.00 0.00

750.00 583 2,996 3.89 19.98 584.86 1,379.21

0.03 0.05 0.00 0.00 0.00 0.00

0.00 0.00 0.00

500.00 686 2,413 4.57 16.09 445.58 794.35

0.01 0.02 0.00 0.00 0.00 0.00

0.00 0.00 0.00

300.00 386 1,727 2.57 11.52 162.92 348.76

0.01 0.01 0.00 0.00 0.00 0.00

0.00 0.00 0.00

200.00 552 1,341 3.68 8.94 133.20 185.84

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00

100.00 288 789 1.92 5.26 36.14 52.64

0.00 0.00 0.00 0.00 0.00 0.00

(s) (u)

50.00 501 501 3.34 3.34 16.50 16.50

(m) (o) (p) (q) (r)(g) (h) (i) (j) (k)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

LOSS RATIOBAND


SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 31/12/2013


PROCESSING

DATE

07/02/2014OCCUPATION : INDUSTRIAL

LL

50

:

(a)

1 0.00 0 0 0.00

2 50.00 2 2 9.78

3 100.00 3 5 6.16

4 200.00 2 7 0.84

5 300.00 9 16 1.22

6 500.00 4 20 2.51

7 750.00 2 22 0.25

8 1,000.00 2 24 0.35

9 1,500.00 1 25 0.83

10 2,000.00 0 25 0.00

11 2,500.00 1 26 0.31

12 3,000.00 1 27 0.38

13 4,000.00 0 27 0.00

14 5,000.00 1 28 0.10

15 7,500.00 0 28 0.00

16 10,000.00 1 29 0.27

17 20,000.00 2 31 0.31

18 50,000.00 0 31 0.00

19 100,000.00 0 31 0.00

20 500,000.00 0 31 0.000.00 100.00 0.19

(t)

36.14 100.00 0.00 100.00 0.00 642.98

0.00 100.00 0.29

UP 43 59,127 0.07 100.00 123,845.51 342,674.99

23.44 63.86 0.00 100.00 0.00 642.98

0.00 100.00 0.46

500,000.0

0

243 59,084 0.41 99.93 80,327.26 218,829.48

6.71 40.42 0.00 100.00 0.00 642.98

11.69 100.00 0.56

100,000.0

0

212 58,841 0.36 99.52 22,983.37 138,502.22

7.16 33.71 6.45 100.00 75.15 642.98

7.78 88.31 0.62

50,000.00 533 58,629 0.90 99.16 24,545.68 115,518.85

5.39 26.55 3.23 93.55 50.00 567.83

0.00 80.54 0.71

20,000.00 810 58,096 1.37 98.26 18,475.26 90,973.17

2.39 21.16 0.00 90.32 0.00 517.83

1.57 80.54 0.81

10,000.00 640 57,286 1.08 96.89 8,177.55 72,497.91

2.89 18.77 3.23 90.32 10.12 517.83

0.00 78.96 0.93

7,500.00 1,122 56,646 1.90 95.80 9,899.34 64,320.36

1.57 15.88 0.00 87.10 0.00 507.71

3.89 78.96 1.03

5,000.00 864 55,524 1.46 93.91 5,364.94 54,421.02

1.93 14.32 3.23 87.10 25.00 507.71

2.13 75.07 1.14

4,000.00 1,373 54,660 2.32 92.45 6,629.09 49,056.08

1.28 12.38 3.23 83.87 13.67 482.71

0.00 72.95 1.23

3,000.00 1,191 53,287 2.01 90.12 4,383.99 42,426.99

1.35 11.10 0.00 80.65 0.00 469.04

7.57 72.95 1.40

2,500.00 1,491 52,096 2.52 88.11 4,609.13 38,043.00

1.71 9.76 3.23 80.65 48.70 469.04

3.92 65.37 1.52

2,000.00 2,454 50,605 4.15 85.59 5,843.55 33,433.87

2.11 8.05 6.45 77.42 25.21 420.34

2.09 61.45 1.94

1,500.00 4,277 48,151 7.23 81.44 7,222.60 27,590.31

1.56 5.94 6.45 70.97 13.45 395.13

19.29 59.36 2.54

1,000.00 4,492 43,874 7.60 74.20 5,329.41 20,367.71

1.44 4.39 12.90 64.52 124.04 381.68

9.51 40.07 2.55

750.00 5,894 39,382 9.97 66.61 4,940.63 15,038.31

1.46 2.95 29.03 51.61 61.12 257.64

3.11 30.56 3.87

500.00 9,051 33,488 15.31 56.64 5,013.78 10,097.68

0.70 1.48 6.45 22.58 20.00 196.52

19.08 27.45 6.56

300.00 6,877 24,437 11.63 41.33 2,395.07 5,083.90

0.58 0.78 9.68 16.13 122.71 176.52

8.37 8.37 7.72

200.00 9,160 17,560 15.49 29.70 1,991.53 2,688.83

0.16 0.20 6.45 6.45 53.80 53.80

0.00 0.00 0.00

100.00 4,668 8,400 7.89 14.21 550.20 697.31

0.04 0.04 0.00 0.00 0.00 0.00

(s) (u)

50.00 3,732 3,732 6.31 6.31 147.10 147.10

(m) (o) (p) (q) (r)(g) (h) (i) (j) (k)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)

LOSS RATIOBAND


SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



RISK & LOSS PROFILE

As At 31/12/2013



LL

51

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 0 0 0.00

13 4,000.00 0 0 0.00

14 5,000.00 0 0 0.00

15 7,500.00 0 0 0.00

16 10,000.00 0 0 0.00

17 20,000.00 0 0 0.00

18 50,000.00 0 0 0.00

19 100,000.00 0 0 0.00

20 500,000.00 0 0 0.00 0.00

(t)

14.79 100.00 0.00 0.00 0.00 0.00UP 5 441 1.13 100.00 3,082.34 20,834.91 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

500,000.0

0

56 436 12.70 98.87 8,409.49 17,752.57 40.36 85.21 0.00 0.00 0.00 0.00 0.00 0.00 0.00

100,000.0

0

55 380 12.47 86.17 5,288.89 9,343.08 25.38 44.84

0.00 0.00 0.00 0.00 0.00 0.00 0.00

50,000.00 61 325 13.83 73.70 2,619.52 4,054.19 12.57 19.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20,000.00 37 264 8.39 59.86 658.85 1,434.67 3.16 6.89

0.00 0.00 0.00 0.00 0.00 0.00 0.00

10,000.00 18 227 4.08 51.47 217.83 775.82 1.05 3.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7,500.00 28 209 6.35 47.39 200.41 557.98 0.96 2.68

0.00 0.00 0.00 0.00 0.00 0.00 0.00

5,000.00 12 181 2.72 41.04 67.69 357.58 0.32 1.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4,000.00 13 169 2.95 38.32 61.85 289.89 0.30 1.39

0.00 0.00 0.00 0.00 0.00 0.00 0.00

3,000.00 11 156 2.49 35.37 40.73 228.04 0.20 1.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2,500.00 7 145 1.59 32.88 27.65 187.31 0.13 0.90

0.00 0.00 0.00 0.00 0.00 0.00 0.00

2,000.00 35 138 7.94 31.29 82.59 159.66 0.40 0.77 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1,500.00 26 103 5.90 23.36 45.11 77.07 0.22 0.37

0.00 0.00 0.00 0.00 0.00 0.00 0.00

1,000.00 10 77 2.27 17.46 11.59 31.96 0.06 0.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00

750.00 7 67 1.59 15.19 5.02 20.37 0.02 0.10

0.00 0.00 0.00 0.00 0.00 0.00 0.00

500.00 14 60 3.17 13.61 6.76 15.34 0.03 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00

300.00 11 46 2.49 10.43 3.60 8.58 0.02 0.04

0.00 0.00 0.00 0.00 0.00 0.00 0.00

200.00 15 35 3.40 7.94 3.26 4.98 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00

100.00 10 20 2.27 4.54 1.28 1.73 0.01 0.01

(s) (u)

50.00 10 10 2.27 2.27 0.45 0.45

(m)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(o) (p) (q) (r)(g) (h) (i) (j) (k)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)rp BAND

(i)/∑(i)

CUM

∑(j)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )


RISK & LOSS PROFILE

As At 31/12/2013



LL

52

:

(a)

1 0.00 1 1 0.07

2 50.00 1 2 1.47

3 100.00 1 3 0.75

4 200.00 0 3 0.00

5 300.00 1 4 0.02

6 500.00 1 5 2.22

7 750.00 2 7 0.41

8 1,000.00 3 10 3.97

9 1,500.00 2 12 1.39

10 2,000.00 4 16 0.54

11 2,500.00 2 18 5.00

12 3,000.00 3 21 1.30

13 4,000.00 1 22 0.89

14 5,000.00 1 23 0.02

15 7,500.00 2 25 0.09

16 10,000.00 1 26 0.22

17 20,000.00 3 29 0.15

18 50,000.00 6 35 0.47

19 100,000.00 4 39 3.38

20 500,000.00 7 46 51.02 9.74

(t)

16.65 100.00 15.22 100.00 36,935.27 42,365.68UP 49 83,090 0.06 100.00 72,398.64 434,873.30 87.18 100.00

13.04 76.09 236.79 1,749.49 0.56 4.13 0.69

500,000.0

0

387 83,041 0.47 99.94 108,974.39 362,474.66 25.06 83.35 8.70 84.78 3,680.92 5,430.41 8.69 12.82 1.50

100,000.0

0

520 82,654 0.63 99.48 49,898.26 253,500.27 11.47 58.29

2.17 56.52 76.77 1,425.07 0.18 3.36 0.98

50,000.00 1,399 82,134 1.68 98.85 58,023.61 203,602.01 13.34 46.82 6.52 63.04 87.63 1,512.70 0.21 3.57 0.74

20,000.00 1,811 80,735 2.18 97.17 35,219.21 145,578.39 8.10 33.48

2.17 50.00 3.72 1,335.61 0.01 3.15 1.38

10,000.00 1,152 78,924 1.39 94.99 13,744.78 110,359.19 3.16 25.38 4.35 54.35 12.69 1,348.30 0.03 3.18 1.22

7,500.00 1,951 77,772 2.35 93.60 16,207.64 96,614.41 3.73 22.22

6.52 45.65 139.58 1,246.05 0.33 2.94 1.76

5,000.00 1,505 75,821 1.81 91.25 9,638.73 80,406.77 2.22 18.49 2.17 47.83 85.83 1,331.89 0.20 3.14 1.66

4,000.00 2,145 74,316 2.58 89.44 10,709.41 70,768.04 2.46 16.27

8.70 34.78 41.07 775.23 0.10 1.83 1.45

3,000.00 1,727 72,171 2.08 86.86 6,627.67 60,058.63 1.52 13.81 4.35 39.13 331.24 1,106.47 0.78 2.61 1.84

2,500.00 2,383 70,444 2.87 84.78 7,620.48 53,430.96 1.75 12.29

6.52 21.74 407.65 607.57 0.96 1.43 1.66

2,000.00 3,612 68,061 4.35 81.91 9,129.87 45,810.48 2.10 10.53 4.35 26.09 126.59 734.16 0.30 1.73 1.60

1,500.00 6,019 64,449 7.24 77.57 10,264.73 36,680.61 2.36 8.43

2.17 10.87 131.58 158.29 0.31 0.37 0.98

1,000.00 8,592 58,430 10.34 70.32 10,209.90 26,415.89 2.35 6.07 4.35 15.22 41.64 199.92 0.10 0.47 0.76

750.00 7,041 49,838 8.47 59.98 5,935.87 16,205.98 1.36 3.73

0.00 6.52 0.00 25.50 0.00 0.06 0.49

500.00 8,459 42,797 10.18 51.51 5,065.82 10,270.11 1.16 2.36 2.17 8.70 1.20 26.70 0.00 0.06 0.26

300.00 5,674 34,338 6.83 41.33 2,101.96 5,204.29 0.48 1.20

2.17 4.35 11.00 11.30 0.03 0.03 0.94

200.00 8,905 28,664 10.72 34.50 1,894.09 3,102.33 0.44 0.71 2.17 6.52 14.20 25.50 0.03 0.06 0.82

100.00 6,432 19,759 7.74 23.78 747.56 1,208.24 0.17 0.28

(s) (u)

50.00 13,327 13,327 16.04 16.04 460.69 460.69

(m)

0.11 0.11 2.17 2.17 0.30 0.30 0.00 0.00 0.07

(o) (p) (q) (r)(g) (h) (i) (j) (k)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)rp BAND

(i)/∑(i)

CUM

∑(j)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )


RISK & LOSS PROFILE

As At 31/12/2013



LL

53

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 1 1 43.60

10 2,000.00 0 1 0.00

11 2,500.00 0 1 0.00

12 3,000.00 0 1 0.00

13 4,000.00 0 1 0.00

14 5,000.00 0 1 0.00

15 7,500.00 0 1 0.00

16 10,000.00 0 1 0.00

17 20,000.00 0 1 0.00

18 50,000.00 0 1 0.00

19 100,000.00 0 1 0.00

20 500,000.00 0 1 0.00 0.06

(t)

65.28 100.00 0.00 100.00 0.00 760.22UP 326 13,867 2.35 100.00 847,394.03 1,298,122.02 0.00 100.00

0.00 100.00 0.00 760.22 0.00 100.00 0.40

500,000.0

0

1,007 13,541 7.26 97.65 258,499.05 450,727.99 19.91 34.72 0.00 100.00 0.00 760.22 0.00 100.00 0.17

100,000.0

0

813 12,534 5.86 90.39 73,768.29 192,228.94 5.68 14.81

0.00 100.00 0.00 760.22 0.00 100.00 1.35

50,000.00 1,428 11,721 10.30 84.52 62,286.97 118,460.65 4.80 9.13 0.00 100.00 0.00 760.22 0.00 100.00 0.64

20,000.00 1,304 10,293 9.40 74.23 25,526.86 56,173.69 1.97 4.33

0.00 100.00 0.00 760.22 0.00 100.00 3.43

10,000.00 698 8,989 5.03 64.82 8,493.09 30,646.82 0.65 2.36 0.00 100.00 0.00 760.22 0.00 100.00 2.48

7,500.00 853 8,291 6.15 59.79 7,233.09 22,153.73 0.56 1.71

0.00 100.00 0.00 760.22 0.00 100.00 6.57

5,000.00 520 7,438 3.75 53.64 3,341.18 14,920.65 0.26 1.15 0.00 100.00 0.00 760.22 0.00 100.00 5.10

4,000.00 584 6,918 4.21 49.89 2,890.30 11,579.47 0.22 0.89

0.00 100.00 0.00 760.22 0.00 100.00 11.04

3,000.00 454 6,334 3.27 45.68 1,801.93 8,689.17 0.14 0.67 0.00 100.00 0.00 760.22 0.00 100.00 8.75

2,500.00 475 5,880 3.43 42.40 1,499.99 6,887.24 0.12 0.53

0.00 0.00 0.00 0.00 0.00 0.00 0.00

2,000.00 679 5,405 4.90 38.98 1,743.65 5,387.25 0.13 0.42 100.00 100.00 760.22 760.22 100.00 100.00 14.11

1,500.00 806 4,726 5.81 34.08 1,426.98 3,643.60 0.11 0.28

0.00 0.00 0.00 0.00 0.00 0.00 0.00

1,000.00 685 3,920 4.94 28.27 894.44 2,216.62 0.07 0.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00

750.00 594 3,235 4.28 23.33 522.29 1,322.18 0.04 0.10

0.00 0.00 0.00 0.00 0.00 0.00 0.00

500.00 795 2,641 5.73 19.05 480.36 799.90 0.04 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00

300.00 376 1,846 2.71 13.31 144.12 319.53 0.01 0.02

0.00 0.00 0.00 0.00 0.00 0.00 0.00

200.00 486 1,470 3.50 10.60 113.23 175.41 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00

100.00 387 984 2.79 7.10 43.14 62.17 0.00 0.00

(s) (u)

50.00 597 597 4.31 4.31 19.04 19.04

(m)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(o) (p) (q) (r)(g) (h) (i) (j) (k)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(

q)

CUM

∑(r)rp BAND

(i)/∑(i)

CUM

∑(j)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )


RISK & LOSS PROFILE

As At 31/12/2013



LL

54

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 1 1 0.61

4 200.00 0 1 0.00

5 300.00 4 5 1.56

6 500.00 2 7 1.26

7 750.00 1 8 0.57

8 1,000.00 0 8 0.00

9 1,500.00 0 8 0.00

10 2,000.00 1 9 1.02

11 2,500.00 0 9 0.00

12 3,000.00 0 9 0.00

13 4,000.00 1 10 2.73

14 5,000.00 0 10 0.00

15 7,500.00 0 10 0.00

16 10,000.00 0 10 0.00

17 20,000.00 0 10 0.00

18 50,000.00 0 10 0.00

19 100,000.00 0 10 0.00

20 500,000.00 0 10 0.00 0.11

(t)

44.13 100.00 0.00 100.00 0.00 391.79UP 53 67,166 0.08 100.00 160,267.17 363,164.81 0.00 100.00

0.00 100.00 0.00 391.79 0.00 100.00 0.30

500,000.0

0

249 67,113 0.37 99.92 74,369.35 202,897.64 20.48 55.87 0.00 100.00 0.00 391.79 0.00 100.00 0.19

100,000.0

0

197 66,864 0.29 99.55 20,830.21 128,528.29 5.74 35.39

0.00 100.00 0.00 391.79 0.00 100.00 0.45

50,000.00 462 66,667 0.69 99.26 20,253.98 107,698.08 5.58 29.66 0.00 100.00 0.00 391.79 0.00 100.00 0.36

20,000.00 743 66,205 1.11 98.57 16,386.83 87,444.10 4.51 24.08

0.00 100.00 0.00 391.79 0.00 100.00 0.62

10,000.00 567 65,462 0.84 97.46 7,490.61 71,057.28 2.06 19.57 0.00 100.00 0.00 391.79 0.00 100.00 0.55

7,500.00 941 64,895 1.40 96.62 8,314.46 63,566.67 2.29 17.50

0.00 90.00 0.00 261.06 0.00 66.63 0.52

5,000.00 762 63,954 1.13 95.22 4,787.17 55,252.21 1.32 15.21 10.00 100.00 130.73 391.79 33.37 100.00 0.71

4,000.00 1,244 63,192 1.85 94.08 5,969.82 50,465.04 1.64 13.90

10.00 90.00 41.94 261.06 10.71 66.63 0.64

3,000.00 1,066 61,948 1.59 92.23 3,942.02 44,495.22 1.09 12.25 0.00 90.00 0.00 261.06 0.00 66.63 0.59

2,500.00 1,348 60,882 2.01 90.64 4,123.45 40,553.19 1.14 11.17

0.00 80.00 0.00 219.12 0.00 55.93 0.71

2,000.00 2,238 59,534 3.33 88.64 5,377.39 36,429.75 1.48 10.03 0.00 80.00 0.00 219.12 0.00 55.93 0.60

1,500.00 3,928 57,296 5.85 85.31 6,722.01 31,052.36 1.85 8.55

20.00 70.00 93.13 184.11 23.77 46.99 1.01

1,000.00 5,160 53,368 7.68 79.46 6,173.21 24,330.35 1.70 6.70 10.00 80.00 35.01 219.12 8.94 55.93 0.90

750.00 8,298 48,208 12.35 71.77 7,417.26 18,157.14 2.04 5.00

0.00 10.00 0.00 13.72 0.00 3.50 0.24

500.00 8,885 39,910 13.23 59.42 4,939.53 10,739.88 1.36 2.96 40.00 50.00 77.26 90.98 19.72 23.22 0.85

300.00 6,837 31,025 10.18 46.19 2,405.67 5,800.35 0.66 1.60

0.00 0.00 0.00 0.00 0.00 0.00 0.00

200.00 10,617 24,188 15.81 36.01 2,264.23 3,394.68 0.62 0.93 10.00 10.00 13.72 13.72 3.50 3.50 0.40

100.00 7,681 13,571 11.44 20.21 890.89 1,130.45 0.25 0.31

(s) (u)

50.00 5,890 5,890 8.77 8.77 239.55 239.55

(m)

0.07 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(o) (p) (q) (r)(g) (h) (i) (j) (k)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)rp BAND

(i)/∑(i)

CUM

∑(j)

(b) (c) (d) (e) (f)

BAND

(m)/∑(m)f

(l) (n)

SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



BAND

(p)/(h)

PERCENTAGE

FROM TO f BAND

(d)/∑(d)

CUM

∑(f )


RISK & LOSS PROFILE

As At 31/12/2013



LL

55

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 0 0 0.00

5 300.00 0 0 0.00

6 500.00 0 0 0.00

7 750.00 0 0 0.00

8 1,000.00 0 0 0.00

9 1,500.00 0 0 0.00

10 2,000.00 0 0 0.00

11 2,500.00 0 0 0.00

12 3,000.00 2 2 166.22

13 4,000.00 0 2 0.00

14 5,000.00 2 4 67.62

15 7,500.00 10 14 1,765.53

16 10,000.00 10 24 2,726.62

17 20,000.00 2 26 69.92

18 50,000.00 1 27 25.89

19 100,000.00 0 27 0.00

20 500,000.00 0 27 0.00

(t)


RISK & LOSS PROFILE

As At 31/12/2013



SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)f BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)


50.00 4 4 1.59 1.59 0.15 0.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

100.00 5 9 1.98 3.57 0.51 0.66 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00

200.00 14 23 5.56 9.13 2.04 2.70 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00

300.00 9 32 3.57 12.70 2.67 5.37 0.02 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00

500.00 7 39 2.78 15.48 3.53 8.91 0.03 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00

750.00 7 46 2.78 18.25 5.14 14.05 0.04 0.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1,000.00 8 54 3.17 21.43 8.81 22.86 0.07 0.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1,500.00 10 64 3.97 25.40 14.92 37.78 0.11 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2,000.00 10 74 3.97 29.37 16.49 54.27 0.13 0.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2,500.00 8 82 3.17 32.54 25.60 79.87 0.20 0.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3,000.00 4 86 1.59 34.13 13.96 93.84 0.11 0.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4,000.00 8 94 3.17 37.30 33.68 127.51 0.26 0.97 7.41 7.41 55.98 55.98 0.40 0.40 43.90

5,000.00 12 106 4.76 42.06 70.38 197.89 0.54 1.51 0.00 7.41 0.00 55.98 0.00 0.40 28.29

7,500.00 23 129 9.13 51.19 172.74 370.64 1.32 2.83 7.41 14.81 116.81 172.79 0.83 1.22 46.62

10,000.00 13 142 5.16 56.35 150.62 521.26 1.15 3.98 37.04 51.85 2,659.25 2,832.03 18.83 20.05 543.31

20,000.00 24 166 9.52 65.87 364.90 886.15 2.79 6.77 37.04 88.89 9,949.30 12,781.33 70.45 90.51 1,442.34

50,000.00 36 202 14.29 80.16 1,305.99 2,192.14 9.97 16.74 7.41 96.30 913.11 13,694.45 6.47 96.97 624.71

100,000.0

0

21 223 8.33 88.49 1,650.79 3,842.93 12.61 29.34 3.70 100.00 427.45 14,121.90 3.03 100.00 367.48

500,000.0

0

26 249 10.32 98.81 6,795.16 10,638.10 51.89 81.23 0.00 100.00 0.00 14,121.90 0.00 100.00 132.75

UP 3 252 1.19 100.00 2,457.69 13,095.78 0.00 100.00 107.8418.77 100.00 0.00 100.00 0.00 14,121.90

LL

56

:

(a)

1 0.00 68 68 3,000.10

2 50.00 54 122 329.18

3 100.00 65 187 206.03

4 200.00 70 257 337.65

5 300.00 145 402 553.86

6 500.00 107 509 367.62

7 750.00 96 605 157.45

8 1,000.00 56 661 127.46

9 1,500.00 45 706 285.44

10 2,000.00 26 732 361.80

11 2,500.00 18 750 115.34

12 3,000.00 28 778 203.19

13 4,000.00 17 795 129.81

14 5,000.00 33 828 104.64

15 7,500.00 24 852 307.05

16 10,000.00 36 888 384.32

17 20,000.00 30 918 233.86

18 50,000.00 14 932 26.46

19 100,000.00 30 962 132.54

20 500,000.00 15 977 310.86

(t)


RISK & LOSS PROFILE

As At 31/12/2013



SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)f BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)


50.00 12,406 12,406 16.67 16.67 426.15 426.15 0.10 0.10 6.96 6.96 12,784.90 12,784.90 1.41 1.41 3,000.10

100.00 6,043 18,449 8.12 24.80 676.81 1,102.96 0.17 0.27 5.53 12.49 2,227.94 15,012.84 0.25 1.66 1,361.14

200.00 7,526 25,975 10.11 34.91 1,561.88 2,664.85 0.38 0.65 6.65 19.14 3,217.94 18,230.77 0.36 2.02 684.12

300.00 4,567 30,542 6.14 41.05 1,511.06 4,175.91 0.37 1.02 7.16 26.31 5,102.09 23,332.86 0.56 2.58 558.75

500.00 7,645 38,187 10.27 51.32 4,066.29 8,242.20 1.00 2.02 14.84 41.15 22,521.47 45,854.33 2.49 5.07 556.34

750.00 7,752 45,939 10.42 61.74 6,492.90 14,735.10 1.59 3.61 10.95 52.10 23,868.94 69,723.28 2.64 7.71 473.18

1,000.00 7,627 53,566 10.25 71.99 8,664.03 23,399.13 2.12 5.74 9.83 61.92 13,641.74 83,365.02 1.51 9.21 356.27

1,500.00 5,075 58,641 6.82 78.81 7,930.09 31,329.22 1.94 7.68 5.73 67.66 10,108.04 93,473.06 1.12 10.33 298.36

2,000.00 3,060 61,701 4.11 82.92 6,756.15 38,085.37 1.66 9.34 4.61 72.26 19,284.91 112,757.97 2.13 12.46 296.07

2,500.00 1,679 63,380 2.26 85.18 4,618.79 42,704.16 1.13 10.47 2.66 74.92 16,710.99 129,468.96 1.85 14.31 303.18

3,000.00 1,395 64,775 1.87 87.06 4,639.40 47,343.56 1.14 11.61 1.84 76.77 5,351.17 134,820.13 0.59 14.90 284.77

4,000.00 1,724 66,499 2.32 89.37 7,292.94 54,636.50 1.79 13.39 2.87 79.63 14,818.75 149,638.88 1.64 16.54 273.88

5,000.00 1,235 67,734 1.66 91.03 6,808.51 61,445.02 1.67 15.06 1.74 81.37 8,837.89 158,476.76 0.98 17.52 257.92

7,500.00 1,641 69,375 2.21 93.24 12,396.67 73,841.69 3.04 18.10 3.38 84.75 12,971.55 171,448.31 1.43 18.95 232.18

10,000.00 1,021 70,396 1.37 94.61 10,500.87 84,342.56 2.57 20.68 2.46 87.21 32,243.18 203,691.49 3.56 22.51 241.50

20,000.00 1,647 72,043 2.21 96.82 29,239.20 113,581.76 7.17 27.84 3.68 90.89 112,373.31 316,064.80 12.42 34.94 278.27

50,000.00 1,357 73,400 1.82 98.65 48,738.60 162,320.35 11.95 39.79 3.07 93.96 113,978.25 430,043.05 12.60 47.53 264.93

100,000.0

0

531 73,931 0.71 99.36 38,269.58 200,589.93 9.38 49.17 1.43 95.39 10,125.74 440,168.80 1.12 48.65 219.44

500,000.0

0

410 74,341 0.55 99.91 100,950.94 301,540.87 24.75 73.92 3.07 98.46 133,805.26 573,974.06 14.79 63.44 190.35

UP 65 74,406 0.09 100.00 106,397.59 407,938.46 36.56 100.00 221.7826.08 100.00 1.54 100.00 330,744.45 904,718.51

LL

57

:

(a)

1 0.00 0 0 0.00

2 50.00 0 0 0.00

3 100.00 0 0 0.00

4 200.00 1 1 23.98

5 300.00 2 3 22.17

6 500.00 0 3 0.00

7 750.00 0 3 0.00

8 1,000.00 1 4 136.44

9 1,500.00 2 6 12.83

10 2,000.00 0 6 0.00

11 2,500.00 2 8 35.38

12 3,000.00 1 9 3.63

13 4,000.00 1 10 0.62

14 5,000.00 0 10 0.00

15 7,500.00 4 14 8.14

16 10,000.00 4 18 6.04

17 20,000.00 1 19 0.13

18 50,000.00 0 19 0.00

19 100,000.00 3 22 0.01

20 500,000.00 1 23 0.02

(t)


RISK & LOSS PROFILE

As At 31/12/2013



SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)f BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)


50.00 495 495 3.83 3.83 11.73 11.73 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

100.00 319 814 2.47 6.29 26.42 38.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

200.00 475 1,289 3.67 9.97 75.44 113.59 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00

300.00 382 1,671 2.95 12.92 117.75 231.34 0.01 0.02 4.35 4.35 28.24 28.24 0.64 0.64 12.21

500.00 671 2,342 5.19 18.11 332.10 563.44 0.03 0.05 8.70 13.04 73.63 101.87 1.66 2.30 18.08

750.00 596 2,938 4.61 22.72 457.40 1,020.84 0.04 0.09 0.00 13.04 0.00 101.87 0.00 2.30 9.98

1,000.00 582 3,520 4.50 27.22 649.26 1,670.11 0.06 0.15 0.00 13.04 0.00 101.87 0.00 2.30 6.10

1,500.00 763 4,283 5.90 33.11 1,127.56 2,797.66 0.10 0.25 4.35 17.39 1,538.40 1,640.27 34.78 37.08 58.63

2,000.00 635 4,918 4.91 38.02 1,270.26 4,067.92 0.11 0.36 8.70 26.09 162.99 1,803.26 3.68 40.76 44.33

2,500.00 423 5,341 3.27 41.29 1,079.40 5,147.31 0.10 0.46 0.00 26.09 0.00 1,803.26 0.00 40.76 35.03

3,000.00 439 5,780 3.39 44.69 1,405.69 6,553.00 0.13 0.58 8.70 34.78 497.39 2,300.65 11.24 52.01 35.11

4,000.00 584 6,364 4.52 49.20 2,289.09 8,842.10 0.20 0.79 4.35 39.13 83.03 2,383.68 1.88 53.88 26.96

5,000.00 436 6,800 3.37 52.57 2,239.20 11,081.30 0.20 0.99 4.35 43.48 13.78 2,397.46 0.31 54.20 21.64

7,500.00 794 7,594 6.14 58.71 5,508.84 16,590.14 0.49 1.48 0.00 43.48 0.00 2,397.46 0.00 54.20 14.45

10,000.00 653 8,247 5.05 63.76 6,799.15 23,389.29 0.60 2.08 17.39 60.87 553.46 2,950.92 12.51 66.71 12.62

20,000.00 1,274 9,521 9.85 73.61 20,808.84 44,198.13 1.85 3.93 17.39 78.26 1,255.93 4,206.84 28.39 95.10 9.52

50,000.00 1,428 10,949 11.04 84.65 49,994.42 94,192.55 4.45 8.38 4.35 82.61 67.08 4,273.92 1.52 96.61 4.54

100,000.0

0

769 11,718 5.95 90.60 57,036.43 151,228.97 5.07 13.45 0.00 82.61 0.00 4,273.92 0.00 96.61 2.83

500,000.0

0

916 12,634 7.08 97.68 205,444.80 356,673.78 18.27 31.73 13.04 95.65 27.91 4,301.83 0.63 97.24 1.21

UP 300 12,934 2.32 100.00 767,520.32 1,124,194.09 2.76 100.00 0.3968.27 100.00 4.35 100.00 121.89 4,423.72

LL

58

:

(a)

1 0.00 16 16 118.08

2 50.00 86 102 476.35

3 100.00 233 335 508.85

4 200.00 155 490 512.32

5 300.00 172 662 521.70

6 500.00 62 724 274.54

7 750.00 49 773 188.77

8 1,000.00 26 799 176.11

9 1,500.00 14 813 89.24

10 2,000.00 6 819 167.90

11 2,500.00 5 824 81.16

12 3,000.00 4 828 36.87

13 4,000.00 2 830 24.72

14 5,000.00 1 831 0.17

15 7,500.00 1 832 0.46

16 10,000.00 1 833 11.86

17 20,000.00 0 833 0.00

18 50,000.00 1 834 0.02

19 100,000.00 1 835 0.01

20 500,000.00 0 835 0.00

(t)


RISK & LOSS PROFILE

As At 31/12/2013



SUM INSURED (BAND)

(in M illion Rp)

GROSS PREMIUM

(In M illion Rp)

INCURRED CLAIM



FROM TO f BAND

(d)/∑(d)

CUM

∑(f )rp BAND

(i)/∑(i)

CUM

∑(j)f BAND

(m)/∑(m)

CUM

∑(n)rp BAND

(q)/∑(q)

CUM

∑(r)

BAND

(p)/(h)

CUM

q/i∑(d) ∑(h) ∑(l) ∑(p)


50.00 4,935 4,935 11.54 11.54 153.97 153.97 0.07 0.07 1.92 1.92 181.80 181.80 0.27 0.27 118.08

100.00 3,119 8,054 7.30 18.84 301.95 455.92 0.13 0.19 10.30 12.22 1,438.33 1,620.14 2.14 2.41 355.36

200.00 5,786 13,840 13.53 32.37 1,096.33 1,552.25 0.46 0.66 27.90 40.12 5,578.68 7,198.81 8.30 10.72 463.77

300.00 4,801 18,641 11.23 43.60 1,486.64 3,038.88 0.63 1.29 18.56 58.68 7,616.37 14,815.18 11.34 22.05 487.52

500.00 6,235 24,876 14.58 58.18 3,063.66 6,102.54 1.30 2.59 20.60 79.28 15,983.12 30,798.30 23.79 45.85 504.68

750.00 4,088 28,964 9.56 67.74 3,088.57 9,191.11 1.31 3.90 7.43 86.71 8,479.29 39,277.58 12.62 58.47 427.34

1,000.00 3,262 32,226 7.63 75.37 3,528.14 12,719.25 1.50 5.39 5.87 92.57 6,659.97 45,937.55 9.91 68.38 361.17

1,500.00 2,991 35,217 7.00 82.37 4,486.56 17,205.81 1.90 7.29 3.11 95.69 7,901.48 53,839.03 11.76 80.15 312.91

2,000.00 1,697 36,914 3.97 86.34 3,583.86 20,789.67 1.52 8.81 1.68 97.37 3,198.35 57,037.38 4.76 84.91 274.35

2,500.00 976 37,890 2.28 88.62 2,626.06 23,415.73 1.11 9.92 0.72 98.08 4,409.07 61,446.45 6.56 91.47 262.42

3,000.00 773 38,663 1.81 90.43 2,565.44 25,981.17 1.09 11.01 0.60 98.68 2,082.13 63,528.59 3.10 94.57 244.52

4,000.00 887 39,550 2.07 92.50 3,797.28 29,778.45 1.61 12.62 0.48 99.16 1,400.23 64,928.82 2.08 96.65 218.04

5,000.00 603 40,153 1.41 93.91 3,321.91 33,100.36 1.41 14.03 0.24 99.40 821.12 65,749.95 1.22 97.88 198.64

7,500.00 721 40,874 1.69 95.60 5,874.40 38,974.76 2.49 16.52 0.12 99.52 10.00 65,759.95 0.01 97.89 168.72

10,000.00 446 41,320 1.04 96.64 5,156.63 44,131.39 2.19 18.70 0.12 99.64 23.47 65,783.41 0.03 97.93 149.06

20,000.00 592 41,912 1.38 98.03 11,656.42 55,787.81 4.94 23.64 0.12 99.76 1,382.49 67,165.91 2.06 99.99 120.40

50,000.00 413 42,325 0.97 98.99 15,513.64 71,301.45 6.57 30.22 0.00 99.76 0.00 67,165.91 0.00 99.99 94.20

100,000.0

0

172 42,497 0.40 99.40 16,240.74 87,542.18 6.88 37.10 0.12 99.88 2.70 67,168.60 0.00 99.99 76.73

500,000.0

0

222 42,719 0.52 99.92 64,264.17 151,806.35 27.24 64.34 0.12 100.00 7.34 67,175.94 0.01 100.00 44.25

UP 36 42,755 0.08 100.00 84,148.96 235,955.31 0.00 100.00 28.4735.66 100.00 0.00 100.00 0.00 67,175.94

LL

59

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2013, per 31 Desember 2013

Indonesian Earthquake Distribution by Province, Underwriting Year 2013, as at 31 December 2013

60

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2013

Indonesian Earthquake Distribution M > 5 and Claim Incurred 2013

61

Indonesian Earthquake Distribution by Province, Underwriting Year 2013, as at 31 December 2013, Indonesian Earthquake Distribution M > 5 and Claim Incurred 2013

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2013, per 31 Desember 2013

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2013

62

Damage Ratio

Gempa Tasikmalaya terjadi pada tanggal 2

September 2009 bermagnitudo 7.0 Mw dengan

pusat kedalaman di 46 km. Episenter gempa

tersebut berlokasi 60 km dari tepi pantai

selatan. Seusai gempa utama, tercatat

beberapa gempa susulan dengan kekuatan

yang lebih rendah.

Gempa tersebut dipicu oleh kondisi

Tektonik Jawa yang didominasi oleh zona

penunjaman lempeng Indo-Australia utara-

barat laut di bawah lempeng Eurasia.

Gempa yang melanda Kota Tasikmalaya

tidak menyebabkan tsunami meskipun gempa

berpusat di laut, karena energi yang

dikeluarkan tidak cukup kuat untuk memicu

terjadinya gelombang tsunami.

Gerakan tanah pada umumnya diwakili

oleh parameter MMI (Modified Mercally

Intensity). Guncangan gempa dirasakan hampir

di seluruh kota di Pulau Jawa. Di selatan

Tasikmalaya kekuatan gempa mencapai sekitar

VI-V MMI, sedangkan di Bogor dan Cilacap

sekitar III-IV MMI.

Berdasarkan data klaim dari gempa bumi

Tasikmalaya, pada zona dengan MMI VI,

menghasilkan sebagai berikut:

Probabilitas loss ratio 20% adalah

sebesar 0,5% dari jumlah risiko,

Probabilitas loss ratio 80% adalah

sebesar 0.06%.

The Tasikmalaya earthquake of September

2nd, 2009 with magnitude of 7.0 Mw occurred

at the depth of about 46 kilometers. The

epicenter of this earthquake was 60 kilometers

away from the southern coast. After the major

earthquake, there were several aftershocks

with lower magnitude.

The earthquake was triggered by condition

of “Java Tectonic” that dominated by the

subduction of the Indo-Australian plate north-

northeastward beneath the Eurasian plate.

The earthquake which attacked

Tasikmalaya did not cause a tsunami though

the epicenter of the earthquake was centered in

the ocean, because the energy which came out

was not strong enough to trigger tsunami wave.

The ground shaking were usually

represented by MMI (Modified Mercally

Intensity). Earthquake shocks was felt in almost

all of the cities in Java Island. In the south of

Tasikmalaya the earthquake magnitude

reaches about VI – V MMI; while Bogor and

Cilacap about III - IV MMI.

Based on claims data of Tasikmalaya

earthquake, at zone with MMI VI, the following

results:

the probability of loss ratio of 20 % is

equal to 0.5 % from number of risk,

the probability of loss ratio of 80 % is

equal to 0.06 %.

63

Berdasarkan hasil analisa loss ratio tersebut,

menunjukan klaim kerugian bangunan yang

diasuransikan masih cukup rendah.

Grafik Damage Ratio

Damage Ratio Graph

Based on the analysis of the loss ratio, it shows

that the claims/losses amount toward the

building insured were still low.

Loss

RatioIII IV V VI

0.00 99.91790% 99.83700% 99.04580% 95.46020%

0.50% 0.06568% 0.10048% 0.69305% 2.17662%

5% 0.01642% 0.04242% 0.01004% 1.74129%

20% 0.00000% 0.01786% 0.20088% 0.49751%

45% 0.00000% 0.00000% 0.03013% 0.06219%

80% 0.00000% 0.00000% 0.02009% 0.06219%

100% 0.00000% 0.00223% 0.00000% 0.00000%

MDF 0.00115% 0.00843% 0.07377% 0.27519%

MMI

Tabel Mean Damage Factor

64

GLOSSARIES

1. OCCUPATION :

A - AGRICULTURAL

C - COMMERCIAL

I - INDUSTRIAL

R - RESIDENTIAL

2. ZONES (BASED ON CRESTA-Catastrophe Risk Evaluating and Standardizing Target

Accumulations) :

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

Lampiran 1 / Attachment 1

65

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

66

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

67

TARIF ASURANSI GEMPA BUMI TAHUN 2010

Tariff in ‰ (mil)

DEFINISI

COMMERCIAL AND INDUSTRIAL : Obyek selain okupasi dwelling house (kode okupasi

selain 2976)

Steel Frame : struktur bangunan yang menggunakan Baja sebagai

rangkanya

Wood : struktur bangunan yang menggunakan kayu sebagai

rangkanya

Reinforced Concrete : struktur bangunan yang menggunakan beton bertulang

sebagai rangkanya

Others (Incl. No Frame) : struktur bangunan selain konstruksi baja, beton

bertulang atau rangka kayu; termasuk bangunan yang

terbuat dari susunan batu tanpa rangka

DWELLING HOUSE : Obyek dengan kode okupasi 2976

Steel, Wood or RC Frame : struktur bangunan rumah tinggal dengan konstruksi baja,

beton bertulang atau rangka kayu

Others : struktur bangunan rumah tinggal selain konstruksi baja,

beton bertulang atau rangka kayu termasuk bangunan

rumah tinggal yang terbuat dari susunan batu tanpa

rangka.

Catatan : Basement diperhitungkan dalam menentukan jumlah lantai bangunan bertingkat


68


69

TARIP SUKU PREMI KURANG

DARI 12 BULAN

JANGKA WAKTU PROSENTASI

TARIP TAHUNAN

3 hari 5%

10 hari 10%

1 bulan 20%

1.5 bulan 25%

2 bulan 30%

3 bulan 40%

4 bulan 50%

5 bulan 60%

6 bulan 70%

7 bulan 75%

8 bulan 80%

9 bulan 85%

10 bulan 90%

11 bulan 95%

lebih dari 11 bulan dihitung tarip suku premi penuh


70


71

Provinsi Kota/ Kabupaten Cresta Zona

KAB. SIMEULUE 1.3 5

KAB. ACEH SINGKIL 1.3 5

KAB. ACEH SELATAN 1.3 5

KAB. ACEH TENGGARA 1.3 5

KAB. ACEH TIMUR 1.3 4

KAB. ACEH TENGAH 1.3 4

KAB. ACEH BARAT 1.3 5

KAB. ACEH BESAR 1.3 5

KAB. PIDIE 1.3 5

KAB. BIREUEN 1.3 4

KAB. ACEH UTARA 1.3 3

KAB. ACEH BARAT DAYA 1.3 5

KAB. GAYO LUES 1.3 5

KAB. ACEH TAMIANG 1.3 4

KAB. NAGANRAYA 1.3 5

KAB. ACEH JAYA 1.3 5

KAB. BENER MERIAH 1.3 4

KAB. PIDIE JAYA 1.3 5

KOTA BANDA ACEH 1.1 5

KOTA SABANG 1.3 5

KOTA LANGSA 1.3 4

KOTA LHOKSEUMAWE 1.3 3

KOTA SUBULUSSALAM 1.3 5

KAB. NIAS 1.3 5

KAB. MANDAILING NATAL 1.3 4

KAB. TAPANULI SELATAN 1.3 4

KAB. TAPANULI TENGAH 1.3 5

KAB. TAPANULI UTARA 1.3 5

KAB. TOBA SAMOSIR 1.3 4

KAB. LABUHAN BATU 1.3 3

KAB. ASAHAN 1.3 3

KAB. SIMALUNGUN 1.3 4

KAB. DAIRI 1.3 4

KAB. KARO 1.3 4

KAB. DELI SERDANG 1.3 3

KAB. LANGKAT 1.3 3

KAB. NIAS SELATAN 1.3 5

KAB. HUMBANG HASUNDUTAN 1.3 5

KAB. PAKPAK BHARAT 1.3 4

KAB. SAMOSIR 1.3 4

KAB. SERDANG BEDAGAI 1.3 3

KAB. PADANG LAWAS 1.3 4

KAB. BATUBARA 1.3 3

KAB. ANGKOLA SIPIROK 1.3 4

KOTA SIBOLGA 1.3 5

KOTA TANJUNG BALAI 1.3 3

KOTA PEMATANG SIANTAR 1.3 4

KOTA TEBING TINGGI 1.3 3

KOTA MEDAN 1.2 3

KOTA BINJAI 1.3 3

KOTA PADANG SIDEMPUAN 1.3 4

CRESTA ZONE dan Zona

Nanggroe Aceh Darussalam

Sumatra Utara


72


KAB. KEPULAUAN MENTAWAI 2.3 5

KAB. PESISIR SELATAN 2.3 5

KAB. SOLOK 2.3 5

KAB. SAWAHLUNTO SIJUNJUNG 2.3 4

KAB. TANAH DATAR 2.3 4

KAB. PADANG PARIAMAN 2.3 5

KAB. AGAM 2.3 5

KAB. LIMA PULUH KOTA 2.3 4

KAB. PASAMAN 2.3 3

KAB. SOLOK SELATAN 2.3 5

KAB. DHARMASRAYA 2.3 3

KAB. PASAMAN BARAT 2.3 4

KOTA PADANG 2.1 5

KOTA SOLOK 2.3 5

KOTA SAWAHLUNTO 2.3 4

KOTA PADANGPANJANG 2.3 5

KOTA BUKITTINGGI 2.3 5

KOTA PAYAKUMBUH 2.3 4

KOTA PARIAMAN 2.3 5

KAB. KUANTAN SINGINGI 2.3 3

KAB. INDRAGIRI HULU 2.3 2

KAB. INDRAGIRI HILIR 2.3 2

KAB. PELALAWAN 2.3 2

KAB. SIAK 2.3 2

KAB. KAMPAR 2.3 3

KAB. ROKAN HULU 2.3 3

KAB. BENGKALIS 2.3 2

KAB. ROKAN HILIR 2.3 2

KOTA PEKANBARU 2.3 3

KOTA DUMAI 2.3 2

KAB. KERINCI 2.3 5

KAB. MERANGIN 2.3 4

KAB. SAROLANGUN 2.3 3

KAB. BATANGHARI 2.3 2

KAB. MUARO JAMBI 2.3 2

KAB. TANJUNG JABUNG TIMUR 2.3 2

KAB. TANJUNG JABUNG BARAT 2.3 2

KAB. TEBO 2.3 3

KAB. BUNGO 2.3 3

KOTA JAMBI 2.3 2

KAB. OGAN KOMERING ULU 2.3 3

KAB. OGAN KOMERING ILIR 2.3 2

KAB. MUARAENIM 2.3 3

KAB. LAHAT 2.3 3

KAB. MUSI RAWAS 2.3 4

KAB. MUSI BANYUASIN 2.3 3

KAB. BANYUASIN 2.3 3

KAB. OGAN KOMERING ULU SE 2.3 4

KAB. OGAN KOMERING ULU TI 2.3 3

KAB. OGAN ILIR 2.3 2

KAB. EMPAT LAWANG 2.3 4

KOTA PALEMBANG 2.2 2

KOTA PRABUMULIH 2.3 3

KOTA PAGARALAM 2.3 4

KOTA LUBUKLINGGAU 2.3 4

Jambi

Sumatra Selatan

Sumatra Barat

Riau

73


KAB. BENGKULU SELATAN 2.3 5

KAB. REJANG LEBONG 2.3 5

KAB. BENGKULU UTARA 2.3 5

KAB. KAUR 2.3 5

KAB. SELUMA 2.3 5

KAB. MUKOMUKO 2.3 5

KAB. LEBONG 2.3 5

KAB. KEPAHIANG 2.3 5

KOTA BENGKULU 2.3 5

KAB. LAMPUNG BARAT 2.3 5

KAB. TANGGAMUS 2.3 5

KAB. LAMPUNG SELATAN 2.3 4

KAB. LAMPUNG TIMUR 2.3 3

KAB. LAMPUNG TENGAH 2.3 3

KAB. LAMPUNG UTARA 2.3 3

KAB. WAY KANAN 2.3 3

KAB. TULANG BAWANG 2.3 3

KAB. PESAWARAN 2.3 4

KOTA BANDAR LAMPUNG 2.3 4

KOTA METRO 2.3 3

KAB. BANGKA 2.3 1

KAB. BELITUNG 2.3 1

KAB. BANGKA BARAT 2.3 1

KAB. BANGKA TENGAH 2.3 1

KAB. BANGKA SELATAN 2.3 2

KAB. BELITUNG TIMUR 2.3 1

KOTA PANGKAL PINANG 2.3 1

KAB. KARIMUN 2.3 1

KAB. BINTAN 2.3 1

KAB. NATUNA 2.3 1

KAB. LINGGA 2.3 1

KOTA BATAM 2.3 1

KOTA TANJUNG PINANG 2.3 1

KAB. PANDEGLANG 3.3 5

KAB. LEBAK 3.3 4

KAB. TANGERANG 3.3 4

KAB. SERANG 3.3 4

KOTA TANGERANG 3.3 4

KOTA CILEGON 3.3 4

KOTA SERANG 3.3 4

KAB. KEPULAUAN SERIBU 3.1 3

KOTA JAKARTA SELATAN 3.1 4

KOTA JAKARTA TIMUR 3.1 4

KOTA JAKARTA PUSAT 3.1 4

KOTA JAKARTA BARAT 3.1 4

KOTA JAKARTA UTARA 3.1 4

Bengkulu

Lampung

Kepulauan Bangka Belitung

Kepulauan Riau

Banten

Daerah Khusus Ibukota Jakarta

74


KAB. BOGOR 3.3 4

KAB. SUKABUMI 3.3 4

KAB. CIANJUR 3.3 4

KAB. BANDUNG 3.3 4

KAB. GARUT 3.3 4

KAB. TASIKMALAYA 3.3 4

KAB. CIAMIS 3.3 4

KAB. KUNINGAN 3.3 4

KAB. CIREBON 3.3 3

KAB. MAJALENGKA 3.3 4

KAB. SUMEDANG 3.3 3

KAB. INDRAMAYU 3.3 3

KAB. SUBANG 3.3 4

KAB. PURWAKARTA 3.3 4

KAB. KARAWANG 3.3 f

KAB. BEKASI 3.3 4

KAB. BANDUNG BARAT 3.3 4

KOTA BOGOR 3.3 4

KOTA SUKABUMI 3.3 4

KOTA BANDUNG 3.2 4

KOTA CIREBON 3.3 3

KOTA BEKASI 3.3 4

KOTA DEPOK 3.3 4

KOTA CIMAHI 3.3 4

KOTA TASIKMALAYA 3.3 4

KOTA BANJAR 3.3 4

KAB. CILACAP 4.3 4

KAB. BANYUMAS 4.3 3

KAB. PURBALINGGA 4.3 3

KAB. BANJARNEGARA 4.3 4

KAB. KEBUMEN 4.3 4

KAB. PURWOREJO 4.3 4

KAB. WONOSOBO 4.3 4

KAB. MAGELANG 4.3 4

KAB. BOYOLALI 4.3 3

KAB. KLATEN 4.3 4

KAB. SUKOHARJO 4.3 4

KAB. WONOGIRI 4.3 4

KAB. KARANGANYAR 4.3 3

KAB. SRAGEN 4.3 3

KAB. GROBOGAN 4.3 3

KAB. BLORA 4.3 3

KAB. REMBANG 4.3 3

KAB. PATI 4.3 3

KAB. KUDUS 4.3 3

KAB. JEPARA 4.3 3

KAB. DEMAK 4.3 3

KAB. SEMARANG 4.3 3

KAB. TEMANGGUNG 4.3 3

KAB. KENDAL 4.3 3

KAB. BATANG 4.3 3

Jawa Tengah

Jawa Barat

75

Provinsi Kota/ Kabupaten Cresta ZonaJawa Tengah KAB. PEKALONGAN 4.3 3

KAB. PEMALANG 4.3 3

KAB. TEGAL 4.3 4

KAB. BREBES 4.3 3

KOTA MAGELANG 4.3 3

KOTA SURAKARTA 4.3 3

KOTA SALATIGA 4.3 3

KOTA SEMARANG 4.1 3

KOTA PEKALONGAN 4.3 3

KOTA TEGAL 4.3 3

KAB. KULON PROGO 4.3 4

KAB. BANTUL 4.3 4

KAB. GUNUNG KIDUL 4.3 4

KAB. SLEMAN 4.3 4

KOTA YOGYAKARTA 4.2 4

KAB. PACITAN 5.2 4

KAB. PONOROGO 5.2 4

KAB. TRENGGALEK 5.2 4

KAB. TULUNGAGUNG 5.2 4

KAB. BLITAR 5.2 4

KAB. KEDIRI 5.2 4

KAB. MALANG 5.2 4

KAB. LUMAJANG 5.2 4

KAB. JEMBER 5.2 3

KAB. BANYUWANGI 5.2 4

KAB. BONDOWOSO 5.2 3

KAB. SITUBONDO 5.2 3

KAB. PROBOLINGGO 5.2 3

KAB. PASURUAN 5.2 3

KAB. SIDOARJO 5.2 3

KAB. MOJOKERTO 5.2 3

KAB. JOMBANG 5.2 3

KAB. NGANJUK 5.2 3

KAB. MADIUN 5.2 3

KAB. MAGETAN 5.2 3

KAB. NGAWI 5.2 3

KAB. BOJONEGORO 5.2 3

KAB. TUBAN 5.2 3

KAB. LAMONGAN 5.2 3

KAB. GRESIK 5.2 3

KAB. BANGKALAN 5.2 3

KAB. SAMPANG 5.2 3

KAB. PAMEKASAN 5.2 3

KAB. SUMENEP 5.2 3

KOTA KEDIRI 5.2 4

KOTA BLITAR 5.2 4

KOTA MALANG 5.2 4

KOTA PROBOLINGGO 5.2 3

KOTA PASURUAN 5.2 3

KOTA MOJOKERTO 5.2 3

KOTA MADIUN 5.2 3

KOTA SURABAYA 5.1 3

KOTA BATU 5.2 4

Daerah Istimewa Yogyakarta

Jawa Timur

76


KAB. JEMBRANA 8 4

KAB. TABANAN 8 4

KAB. BADUNG 8 4

KAB. GIANYAR 8 4

KAB. KLUNGKUNG 8 4

KAB. BANGLI 8 4

KAB. KARANGASEM 8 5

KAB. BULELENG 8 4

KOTA DENPASAR 8 4

KAB. LOMBOK BARAT 8 5

KAB. LOMBOK TENGAH 8 4

KAB. LOMBOK TIMUR 8 4

KAB. SUMBAWA 8 4

KAB. DOMPU 8 5

KAB. BIMA 8 4

KAB. SUMBAWA BARAT 8 4

KOTA MATARAM 8 5

KOTA BIMA 8 4

KAB. SUMBA BARAT 8 5

KAB. SUMBA TIMUR 8 4

KAB. KUPANG 8 4

KAB. TIMOR TENGAH SELATAN 8 5

KAB. TIMOR TENGAH UTARA 8 5

KAB. BELU 8 5

KAB. ALOR 8 5

KAB. LEMBATA 8 5

KAB. FLORES TIMUR 8 4

KAB. SIKKA 8 4

KAB. ENDE 8 4

KAB. NGADA 8 4

KAB. MANGGARAI 8 4

KAB. ROTE NDAO 8 4

KAB. MANGGARAI BARAT 8 4

KAB. MANGGARAI TIMUR 8 4

KAB. NAGEKEO 8 5

KAB. SUMBA BARAT DAYA 8 5

KAB. SUMBA TENGAH 8 5

KOTA KUPANG 8 4

KAB. SAMBAS 6 1

KAB. BENGKAYANG 6 1

KAB. LANDAK 6 1

KAB. PONTIANAK 6 1

KAB. SANGGAU 6 1

KAB. KETAPANG 6 1

KAB. SINTANG 6 1

KAB. KAPUAS HULU 6 1

KAB. SEKADAU 6 1

KAB. MELAWI 6 1

KAB. KAYONG UTARA 6 1

KAB. KUBU RAYA 6 1

KOTA PONTIANAK 6 1

KOTA SINGKAWANG 6 1

Kalimantan Barat

Bali

Nusa Tenggara Barat

Nusa Tenggara Timur

77


KAB. KOTAWARINGIN BARAT 6 1

KAB. KOTAWARINGIN TIMUR 6 1

KAB. KAPUAS 6 1

KAB. BARITO SELATAN 6 1

KAB. BARITO UTARA 6 1

KAB. SUKAMARA 6 1

KAB. LAMANDAU 6 1

KAB. SERUYAN 6 1

KAB. KATINGAN 6 1

KAB. PULANG PISAU 6 1

KAB. GUNUNG MAS 6 1

KAB. BARITO TIMUR 6 1

KAB. MURUNG RAYA 6 1

KOTA PALANGKARAYA 6 1

KAB. TANAH LAUT 6 1

KAB. KOTABARU 6 1

KAB. BANJAR 6 1

KAB. BARITO KUALA 6 1

KAB. TAPIN 6 1

KAB. HULU SUNGAI SELATAN 6 1

KAB. HULU SUNGAI TENGAH 6 1

KAB. HULU SUNGAI UTARA 6 1

KAB. TABALONG 6 1

KAB. TANAH BUMBU 6 1

KAB. BALANGAN 6 1

KOTA BANJARMASIN 6 1

KOTA BANJARBARU 6 1

KAB. PASIR 6 1

KAB. KUTAI BARAT 6 1

KAB. KUTAI KARTANEGARA 6 1

KAB. KUTAI TIMUR 6 2

KAB. BERAU 6 3

KAB. MALINAU 6 2

KAB. BULUNGAN 6 3

KAB. NUNUKAN 6 2

KAB. PENAJAM PASER UTARA 6 1

KAB. TANA TIDUNG 6 2

KOTA BALIKPAPAN 6 1

KOTA SAMARINDA 6 1

KOTA TARAKAN 6 2

KOTA BONTANG 6 2

KAB. BOLAANG MONGONDOW 7.2 5

KAB. MINAHASA 7.2 5

KAB. KEPULAUAN SANGIHE 7.2 5

KAB. KEPULAUAN TALAUD 7.2 5

KAB. MINAHASA SELATAN 7.2 5

KAB. MINAHASA UTARA 7.2 5

KAB. BOLAANG MONGONDOW UT 7.2 5

KAB. KEPULAUAN SITARO 7.2 5

KAB. MINAHASA TENGGARA 7.2 5

KOTA MANADO 7.2 5

KOTA BITUNG 7.2 5

KOTA TOMOHON 7.2 5

KOTA KOTAMOBAGU 7.2 5

Kalimantan Tengah

Kalimantan Selatan

Kalimantan Timur

Sulawesi Utara

78


KAB. BANGGAI KEPULAUAN 7.2 4

KAB. BANGGAI 7.2 5

KAB. MOROWALI 7.2 3

KAB. POSO 7.2 4

KAB. DONGGALA 7.2 4

KAB. TOLI-TOLI 7.2 5

KAB. BUOL 7.2 5

KAB. PARIGI MOUTONG 7.2 5

KAB. TOJO UNA-UNA 7.2 4

KOTA PALU 7.2 4

KAB. SELAYAR 7.2 2

KAB. BULUKUMBA 7.2 2

KAB. BANTAENG 7.2 2

KAB. JENEPONTO 7.2 2

KAB. TAKALAR 7.2 2

KAB. GOWA 7.2 2

KAB. SINJAI 7.2 2

KAB. MAROS 7.2 2

KAB. PANGKAJENE KEPULAUAN 7.2 2

KAB. BARRU 7.2 3

KAB. BONE 7.2 2

KAB. SOPPENG 7.2 3

KAB. WAJO 7.2 3

KAB. SIDENRENG RAPPANG 7.2 3

KAB. PINRANG 7.2 3

KAB. ENREKANG 7.2 3

KAB. LUWU 7.2 3

KAB. TANAH TORAJA 7.2 4

KAB. LUWU UTARA 7.2 3

KAB. LUWU TIMUR 7.2 3

KOTA MAKASSAR 7.1 2

KOTA PARE-PARE 7.2 3

KOTA PALOPO 7.2 3

KAB. BUTON 7.2 3

KAB. MUNA 7.2 3

KAB. KONAWE 7.2 3

KAB. KOLAKA 7.2 3

KAB. KONAWE SELATAN 7.2 3

KAB. BOMBANA 7.2 3

KAB. WAKATOBI 7.2 3

KAB. KOLAKA UTARA 7.2 3

KAB. BUTON UTARA 7.2 4

KAB. KONAWE UTARA 7.2 3

KOTA KENDARI 7.2 4

KOTA BAU-BAU 7.2 3

KAB. BOALEMO 7.2 5

KAB. GORONTALO 7.2 5

KAB. POHUWATO 7.2 5

KAB. BONE BOLANGO 7.2 5

KAB. GORONTALO UTARA 7.2 5

KOTA GORONTALO 7.2 5

Sulawesi Tengah

Sulawesi Selatan

Sulawesi Tenggara

Gorontalo

79


KAB. MAJENE 7.2 4

KAB. MAMASA 7.2 4

KAB. MAMUJU 7.2 4

KAB. MAMUJU UTARA 7.2 3

KAB. POLEWALI MANDAR 7.2 4

KAB. MALUKU TENGGARA BARAT 8 5

KAB. MALUKU TENGGARA 8 4

KAB. MALUKU TENGAH 8 4

KAB. BURU 8 5

KAB. KEPULAUAN ARU 8 5

KAB. SERAM BAGIAN BARAT 8 4

KAB. SERAM BAGIAN TIMUR 8 5

KOTA AMBON 8 5

KOTA TUAL 8 4

KAB. HALMAHERA BARAT 8 5

KAB. HALMAHERA TENGAH 8 4

KAB. KEPULAUAN SULA 8 5

KAB. HALMAHERA SELATAN 8 5

KAB. HALMAHERA UTARA 8 5

KAB. HALMAHERA TIMUR 8 4

KOTA TERNATE 8 5

KOTA TIDORE 8 5

KAB. FAK-FAK 8 3

KAB. KAIMANA 8 3

KAB. TELUK WANDOMA 8 4

KAB. TELUK BINTUNI 8 4

KAB. MANOKWARI 8 5

KAB. SORONG SELATAN 8 3

KAB. SORONG 8 4

KAB. RAJA AMPAT 8 4

KOTA SORONG 8 3

KAB. MERAUKE 8 1

KAB. JAYAWIJAYA 8 5

KAB. JAYAPURA 8 5

KAB. NABIRE 8 5

KAB. YAPEN WAROPEN 8 4

KAB. BIAK NUMFOR 8 4

KAB. PANIAE 8 4

KAB. PUNCAK JAYA 8 3

KAB. MIMIKA 8 3

KAB. BOVEN DIGOEL 8 2

KAB. MAPPI 8 2

KAB. ASMAT 8 2

KAB. YAHUKIMO 8 5

KAB. PEGUNUNGAN BINTANG 8 4

KAB. TOLIKARA 8 5

KAB. SARMI 8 5

KAB. KEEROM 8 5

KAB. WAROPEN 8 4

KAB. SUPIORI 8 4

KOTA JAYAPURA 8 5

Papua

Sulawesi Barat

Maluku

Maluku Utara

Papua Barat

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