maipark statistik 06/2016 · maipark, statistik, 06/2016 ikhtisar statistik asuransi gempa bumi...

MAIPARK, Statistik, 06/2016

Dengan Hormat,

Dengan mengucap Puji Syukur Kehadirat Tuhan

Yang Maha Esa, buku “Laporan Statistik

Asuransi Gempa Bumi Indonesia (LSAGBI)

Desember 2015” telah selesai disusun.

Penyusunan LSAGBI ini selaras dengan salah

satu Visi MAIPARK yaitu menjadi “Center Of

Excellence” dan sebagai upaya dalam

memberikan pelayanan yang terbaik bagi

Industri Asuransi Umum di Indonesia khususnya

mengenai statistik serta pengetahuan risiko

gempa bumi.

Sebagai salah satu publikasi rutin, LSAGBI ini

memuat hasil kajian risiko-risiko gempa bumi

terkait data exposure, premi nasional, jumlah

risiko dan perkembangan risiko gempa bumi. Di

dalam laporan ini kami juga menyajikan ulasan

aktuaria dan risiko exposure dari sudut pandang

asuransi gempa bumi

Dukungan dari seluruh perusahaan asuransi

umum sangat berarti bagi kami dalam upaya

pengembangan laporan statistik ini. Kami

menyadari kebutuhan penyempurnaan buku ini

sangat tinggi sehingga kritik maupun saran

sangat kami harapkan.

Akhir kata, semoga laporan ini dapat menjadi

referensi yang berkualitas dan dapat

memberikan manfaat tidak hanya bagi

perusahaan yang menangani asuransi gempa

bumi, namun juga bagi Industri Asuransi Umum

di Indonesia. Kami mohon maaf apabila masih

ditemukan kesalahan data dan informasi yang

disajikan dalam buku ini.

Dear Sir / Madam,

Our gratitude to God Almighty, the “Indonesian

Earthquake Insurance Statistic Report as at

December 2015” is ready to publish. This report

publication is aligned with MAIPARK’s vision,

which is to be a "Center of Excellence” and also

to provide the best service for the General

Insurance Industry in Indonesia, especially

statistic and earthquake risks knowledge.

As a regular publication, it contains earthquake

risks study related to the national Exposure,

premium, number of risks and development of

the earthquake risks management. We also

include actuarial and Exposure risks reviews

from earthquake insurance point of view.

Support from the General Insurance Industry

will be meaningful to us in order to improve this

Statistic Report. We realize the need for

improvement of this report is very high so that

critics and suggestions are appreciate.

Finally, we hope that this report could be used

as a qualified reference and will be beneficial for

all general insurance industries in Indonesia.

We apologize for any possible data and

information errorspresented in this report.

Hormat Kami, Sincerely,

Kata Pengantar Foreword

Yasril Y. Rasyid

President Director

PT REASURANSI MAIPARK INDONESIA JUNI 2016

iii


Hal. Page

Kata pengantar…………………………...……i

Daftar Isi……………………………………….iii

Content……..……………………………………….i

Foreword…………………………………………..iii

A. Umum………………………………………1

B. Struktur Pasar …………………………….2

C. Premi Bruto dan Exposure ……………….2

D. Jumlah Risiko ……………………………..3

E. Incurred Claim ………………………….....6

F. Ulasan Aktuaria: Pengaruh Deductible

pada Distribusi Frekuensi Klaim dan Besar

Klaim……………………………………...13

G. Ulasan Asuransi: Gempabumi yang

mengubah..……………………………....22

A. General ………………………………………...1

B. Market Structure ………………………………2

C. Gross Premium and Exposure ………………2

D. Number of Risk ………………………………..3

E. Incurred Claim …………………………………6

F. Actuary Commentary: The Effect of

Deductibles on Claims Frequency and Claims

Severity Distributions……………………......13

G. Insurance Commentary: Earthquake that

Change…………………..……………………22

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2016, per 30 Juni 2016 ……………………………………...27 Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2016 …………………………28

Distribusi Exposure Gempa Bumi Indonesia

per Provinsi, Underwriting Year 2015, per 30

Juni 2016, Distribusi Gempa Bumi Indonesia M

> 5 dan Claim Incurred UY

2016…………………………………………....29

Indonesian Earthquake Exposure Distribution by Province, Underwriting Year 2016, as at 30 June 2016 ……………………………………………….27 Indonesian Earthquake Distribution M > 5 and Claim Incurred 2016 ……………………………...28 Indonesian Earthquake Exposure Distribution by Province, Underwriting Year 2016, per 30 June 2016, Indonesian Earthquake Distribution M > 5 and Claim Incurred UY 2016 …………………………………………………...…29

Tabel 2.1. Exposure Per Cresta Zone ……..30

Tabel 2.2. Exposure Per Okupasi………......32

Tabel 2.3. Exposure Per Interest………........34

Tabel 2.4. Exposure Per Provinsi……………36

Tabel 2.5. Exposure Per Kelas Konstruksi...37

Table 2.1. Exposure By Cresta Zone ............... 30

Table 2.2. Exposure By Occupation ................. 32

Table 2.3. Exposure By Interest ....................... 34

Table 2.4. Exposure By Province………….........36

Table 2.5. Exposure By Class of Construction..37

Iktisar Statistik Asuransi Gempa Bumi Indonesia Juni 2016

Statistic Overview of Indonesian

Earthquake Insurance June 2016

Exposure Asuransi Gempa Bumi Indonesia

Indonesian Earthquake Insurance Exposure

Peta

Map

DAFTAR ISI CONTENTS


iv


Tabel 3.1. Premi Bruto Per Cresta Zone…….39

Tabel 3.2. Premi Bruto Per Okupasi…………41

Tabel 3.3. Premi Bruto Per Interest……….....43

Tabel 3.4. Premi Bruto Per

Provinsi…………………….........................…45

Tabel 3.5. Premi Bruto Per Kelas Konstruksi

.................................................................... 46

Table 3.1. Gross Premium by Cresta Zone……39

Table 3.2. Gross Premium by Occupation.........41

Table 3.3. Gross Premium by Interest...............43

Table 3.4. Gross Premium by Province……..…45

Table 3.5. Gross Premium by Class of

Construction………………………………………46

Tabel 4.1. Jumlah Risiko Per Cresta Zone .. 48

Tabel 4.2. Jumlah Risiko Per Okupasi ......... 50

Table 4.3. Jumlah Risiko Per Kelas Konstruksi

.................................................................... 52

Table 4.4. Jumlah Risiko Per Provinsi......…54

Table 4.1. Number of Risk By Cresta Zone ..... 48

Table 4.2. Number of Risk By Occupation ...... 50

Table 4.3. Number of Risk By Construction Class

………………………………………….................52

Table 4.4. Number of Risk By Province ......….54

Tabel 5.1. Frekuensi Klaim Per Cresta Zone.55

Tabel 5.2. Frekuensi Klaim Per Okupasi……57

Tabel 5.3. Frekuensi Klaim Per Provinsi……59

Tabel 5.4. Klaim Per Cresta Zone……………60

Tabel 5.5. Klaim Per Okupasi………………..62

Tabel 5.6. Klaim Per Provinsi………………..64

Table 5.1. Claim Frequency By Cresta Zone…..55

Table 5.2. Claim Frequency By Occupation……57

Table 5.3. Claim Frequency By Province………59

Table 5.4. Claim By Cresta Zone……………….60

Table 5.5. Claim By Occupation………………...62

Table 5.6. Claim By Province…………………..64

Underwriting Year 2012 - 2016, Seluruh

Okupasi ……………………………………….65

Underwriting Year 2016, Seluruh Okupasi …66





Underwriting Year 2012 - 2016, All

Occupation………………………………………..65

Underwriting Year 2016, All Occupation ……….66



Underwriting Year 2013, All Occupation ………69


Premi Bruto Asuransi Gempa Bumi Indonesia

Indonesian Earthquake Insurance Gross premium

Jumlah Risiko Asuransi Gempa Bumi Indonesia

Indonesian Earthquake Insurance Number of Risk

Klaim Asuransi Gempa Bumi Indonesia

Indonesian Earthquake Insurance Claim

Profil Risiko dan Klaim

Risk and Claim Profile


v


Okupasi Agrikultural………………………….71

Okupasi Komersial …………………………..72

Okupasi Industrial ……………………………73

Okupasi Residensial …………………………74

Occupation Agricultural………………………….71

Occupation Commercial ………………………...72

Occupation Industrial ……………………………73

Occupation Residential ………………………….74





Occupation Agricultural ………………………….75















Okupasi Residensial ……………….………..86




Occupation Residential …………………………86


Okupasi Komersial………………………......88

Okupasi Industrial…………………………….89

Okupasi Residensial..…………………….....90





Profil Risiko dan Klaim Underwriting Year Per Okupasi 2016

Risk and Profile Claim Underwriting Year 2016 By Occupation










vi


Exposure, Premi Bruto, Jumlah Risiko & Klaim

per Cresta Zone, Underwriting Year

2016……………………………………………91



2015……………………………………………92



2014……………………………………………93

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2013……………………………………………94 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2012……………………………………………95

Exposure, Gross Premium, Number of Risk &

Claim by Cresta Zone, Underwriting Year

2016………………………………………………..91



2015……………………………………………......92



2014…………………………………………….....93

Exposure, Gross Premium, Number of Risk & Claim by Cresta Zone, Underwriting Year 2013……………………………………………….94 Exposure, Gross Premium, Number of Risk & Claim by Cresta Zone, Underwriting Year 2012……………………………………………….95


per Okupasi, Underwriting Year

2016……………………………………………96



2015……………………………………………97



2014……………………………………………98

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2013……………………………………………99 Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2012…………………………………………..100


Claim by Occupation, Underwriting Year

2016……………………………………………….96



2015……………………………………………….97



2014……………………………………………….98

Exposure, Gross Premium, Number of Risk & Claim by Occupation, Underwriting Year 2013……………………………………………….99 Exposure, Gross Premium, Number of Risk & Claim by Occupation, Underwriting Year 2012………………………………………………100

Exposure, Premi Bruto, Jumlah Risko dan Klaim Asuransi Gempa Bumi Indonesia Per Cresta Zone

Indonesian Earthquake Insurance Exposure, Gross Premium, Number of Risk and Claim By Cresta Zone

Exposure, Premi Bruto, Jumlah Risko dan Klaim Asuransi Gempa Bumi Indonesia Per Okupasi

Indonesian Earthquake Insurance Exposure, Gross Premium, Number of Risk and Claim By Occupation


vii



per Provinsi, Underwriting Year 2016…….. 101


per Provinsi, Underwriting Year 2015……...102


per Provinsi, Underwriting Year 2014……...103


per Provinsi, Underwriting Year

2013……………………………………………104



2012……………………………………………105



2016……………………………………………..101


per Provinsi, Underwriting Year 2015………...102


per Provinsi, Underwriting Year 2014………...103



2013……………………………………………..104



2012……………………………………………..105

Lampiran

1. Daftar Istilah…….………………………………106

2.Tarif asuransi Gempa Bumi Indonesia

…….……….……….............................................108

3. Zona Asuransi Gempa Bumi Indonesia………112

4. Cresta Zone Indonesia…………………………122

5. Skala First Loss…………………………………129

6. Tabel Short Periode kurang dari 1

tahun…..………………………..…………………..130

7. Skala Indemnity Period………………………...131

Attachment

1.Glossaries……………………………………..…..106

2. Indonesian Earthquake Insurance

Tariff…………………………………………………..108

3. Cresta Zone and Zone Table……………………112

4. Indonesia Cresta Zone ………………………….122

5. First Loss Scale …..………………………………129

6. Short Period Table Less Than One Year

Period…………………………………………………130

7. Indemnity Period Scale………………………..…131

Referensi Reference

1. Otoritas Jasa Keuangan (OJK).

2. Badan Pusat Statistik (BPS).

1. Financial Service Authority (OJK).

2. Central of Statistic Bureau (BPS).

*) Laporan Statistik ini dapat diperoleh di website

PT Reasuransi MAIPARK Indonesia

www.maipark.com

*) Statistic report is available on

PT Reasuransi MAIPARK Indonesia website

www.maipark.com

Exposure, Premi Bruto, Jumlah Risko dan Klaim Asuransi Gempa Bumi Indonesia Per Provinsi

Indonesian Earthquake Insurance Exposure, Gross Premium, Number of Risk and Claim By Province

http://www.maipark.com/

http://www.maipark.com/


1


Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2016 Statistic Overview of Indonesia Earthquake Insurance June 2016

A. Umum A. General

Berdasarkan data Badan Pusat Statistik,

pertumbuhan ekonomi Indonesia berdasarkan

Produk Domestik Bruto (Harga Berlaku) triwulan

II terhadap triwulan sebelumnya naik sebesar

4,02% (Rp2.942,00 triliun menjadi Rp.3.086,60

triliun).

Dari sisi Industri Asuransi Umum, menurut

Asosiasi Asuransi Umum Indonesia, dapat

dilihat bahwa Premi Bruto untuk kelas bisnis

harta benda (triwulan II tahun 2015 ke triwulan II

2016) mengalami kenaikan sebesar 9,6%

(Rp.7.942,93 miliar menjadi Rp.8.704,58 miliar)

Based on Central of Statistics Bureau data,

Indonesia economic growth by Gross Domestic

Bruto (Current Price) second quarter compare

to previous quarter increased 4.02%

(IDR2,942.00 trillion to IDR.3,086.60 trillion)

From the General Insurance Industry, based on

General Insurance Indonesia Assosiation, can

be seen that Gross Premium for property class

of business (second quarter 2015 compare to

second quarter 2016) increase 9.6%

(IDR.7,942.93 billion to IDR.8,704.58 billion)

Produk Domestik Bruto atas dasar Harga Berlaku dan Harga Konstan 2010 - Kuartal II 2016

Gross Domestic Product by Current Price and Constant Price 2010 - second quarter 2016

Triwulan I-2016 /

Quarter 1- 2016

Triwulan II-2016 /

Quarter 2 - 2016

Triwulan I-2016 /

Quarter 1 - 2016

Triwulan II-2016 /

Quarter 2 - 2016

Produk Domestik Bruto

(Gross Domestic Product) 2,942.00 3,086.60 2,262.30 2,353.20

dalam triliun rupiah

in trillion rupiah

Harga Berlaku (Current price) Harga Konstan 2010/ Constant price 2010

Premi dan Klaim Bruto Kelas Bisnis Harta Benda - Kuartal II 2016

Gross Premium and Claim Property class of business - Second Quarter 2016

Kelas Bisnis

Class of Business Triwulan I-2015 Triwulan I-2016 Triwulan I-2015 Triwulan I-2016

Harta Benda 7,942.93 8,704.58 3,431.57 3,400.25

dalam miliar rupiah

in billion rupiah

Premi Bruto Klaim Bruto


2


dan Klaim Bruto turun -0,9% (Rp.3.431,57 miliar

menjadi Rp.3.400,25 miliar ).

and Gross Claim decrease -0.9% (IDR.

3.431,57 billion to IDR.3,400.25 billion).

B. Struktur Pasar B. Market Structure

.

C. Premi Bruto C. Gross Premium

Tabel 1.1 menyajikan rincian premi bruto

berdasarkan jenis okupasi dari Underwriting

Year 2012 hingga Underwriting Year 2016.

Berdasarkan data tersebut dapat kita lihat

bahwa untuk Okupasi Industrial dan Residensial

pada Underwriting Year 2012-2014 mengalami

trend kenaikan, namun dua okupasi lainnya

menurun di Underwriting Year 2014. Penurunan

pada Okupasi Agrikultural ini diakibatkan adanya

penurunan penutupan di Provinsi Jawa Barat

khususnya di Kab. Karawang. Selain itu

penurunan ini juga disebabkan adanya

penurunan penutupan di Provinsi Bali dan Jawa

Barat, masing-masing adalah Kab. Karangasem

dan Kab. Bandung.

The table 1.1 shows the details of gross

premium based on occupation from

Underwriting Year 2011 to Underwriting Year

2015.

We could see based to Industrial and

Residential Occupation data have increase

trend, but other two occupation in Underwriting

Year 2012-2014 have decrease in Underwriting

Year 2014. The decrease in Agriculture

Occupation because of decrease cover in East

Java Province especially City of Karawang. The

decrease also caused by decreasing cover in

Bali Province and East Java i.e. Karangasem

and Bandung District respectively.

Struktur Pasar Industri Asuransi Umum Indonesia

Market Structure of the Indonesia General Insurance Industry

Kategori Jumlah

Perusahaan Asuransi Umum 76

Perusahaan Reasuransi 6

Asuransi Sosial 2

Perusahaan Asuransi Wajib 3

Sumber: buku Direktori 2015: Industri Keuangan Non Bank

Source: buku Directory 2015: Non Bank Financial Institution


3


D. Jumlah Risiko D. Number of Risk

Dari Tabel 1.2 dapat kita peroleh informasi

bahwa jumlah risiko Okupasi Komersial terbesar

ada di Underwriting Year 2014 yaitu 124.558.

Sedangkan jumlah risiko Okupasi Komersial di

Underwriting Year 2016 adalah 25.085 atau

sebesar 20,14% atau seperlima dari jumlah

risiko Okupasi Komersial di Underwriting Year

2014. Jika pola pensesian dan proses validasi

bordero tidak berubah, maka jumlah risiko

Okupasi Komersial di Underwriting Year 2016

masih akan meningkat.

Jumlah Risiko pada Okupasi Agrikultural di

Underwriting Year 2015 dibandingkan dengan

Underwriting Year 2014 baru mencapai

51.79%(390 dibanding 753), berbeda dengan 3

okupasi lainnya yang rata-rata diatas 90%. Hal

ini diakibatkan karena adanya penurunan jumlah

risiko penutupan sebagian besar di Provinsi

Sumatera Utara dan Kalimantan Timur.

Penurunan yang relative signifikan terjadi di

Provinsi Sumatera Utara adalah di Kab.

Simalungun, Kab. Tapanuli Selatan dan Kab.

From Table 1.2 we can find information that

the biggest number of risks for Commercial

Occupation was in Underwriting Year 2014 i.e

124,558. While number of risks for Commercial

Occupation in Underwriting Year 2016 was

25,085 i.e. 20.14% or fifth of the number of risks

Commercial Occupancy in Underwriting Year

2014. If the cession and bordereoux validation

processing pattern unchanged, then number of

risks for the Commercial Occupation in

Underwriting Year 2016 still increased.

Number of risks in Agriculture Occupation

in Underwriting Year 2015 compared to

Underwriting Year 2015 reached 51.79% (390

compare to 753), different to other three

occupation that average above 90%. This is

because of the decrease number of risks cover

mostly in North Sumatra and East Kalimantan

Province. Relatively significant decrease was in

North Sumatra Province i.e. Simalungun,

Tapanuli Selatan dan Asahan District. While in

Dalam Jutaan Rupiah

In Million Rupiah

2012 29,419.23 1.08% 658,376.86 24.19% 1,686,073.03 61.96% 347,532.51 12.77% 2,721,401.64

2013 35,250.82 0.78% 1,811,968.36 40.00% 2,207,809.14 48.74% 474,567.62 10.48% 4,529,595.94

2014 29,149.82 0.59% 1,118,227.46 22.45% 3,219,326.81 64.62% 615,373.36 12.35% 4,982,077.45

2015 29,683.73 0.57% 1,795,033.57 34.61% 2,816,715.07 54.31% 544,821.43 10.51% 5,186,253.80

2016 5,495.44 0.59% 242,709.63 26.23% 541,797.01 58.56% 135,233.24 14.62% 925,235.32

T O T A L 128,999.03 5,626,315.88 10,471,721.06 2,117,528.17 18,344,564.15

Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 30 Juni 2016

Table 1.1 Gross Premium and Ratio By Occupation as at 30 June 2016

Underwriting

Year

Okupasi / Occupation

TotalAgrikultural / Agricultural Komersial / Commercial Industri / Industrial Residensial / Residential


4


Asahan. Sedangkan di Provinsi Kalimantan

Timur, penurunan jumlah risiko penutupan yang

relative signifikan ada di Kota Balikpapan.

East Kalimantan, relatively significant decrease

in number of risks cover was in Balikpapan city.

Jika terdapat asosiasi antara kontribusi

premi dengan banyaknya risiko maka belum

tentu asosiasi tersebut berbentuk linear dan

If there is any association between the

premium contribution and the number of risks then

the association is not necessarily linear nor

Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 30 Juni 2016

Table 1.2 Number of Risk By Occupation as at 30 June 2016

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

Agricultural / Agricultural A 420 0.24 535 0.28 753 0.32 390 0.17 189 0.35

Komersial / Commercial C 94,595 54.42 100,683 53.12 124,558 52.94 123,845 54.78 25,085 46.31

Industrial / Industrial I 17,199 9.89 18,433 9.73 18,903 8.03 17,165 7.59 4,236 7.82

Residensial / Residential R 61,613 35.45 69,873 36.87 91,061 38.70 84,669 37.45 24,661 45.52

173,827 100.00 189,524 100.00 235,275 100.00 226,069 100.00 54,171 100.00

Occupation

Jumlah / Total

Okupasi U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 U/Y 2016

Number of Risk By OccupationAs at 30 June 2016

-

100.00

200.00

300.00

400.00

500.00

600.00

700.00

800.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Agricultural

-

20,000.00

40,000.00

60,000.00

80,000.00

100,000.00

120,000.00

140,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Commercial

-

2,000.00

4,000.00

6,000.00

8,000.00

10,000.00

12,000.00

14,000.00

16,000.00

18,000.00

20,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Industrial

-

10,000.00

20,000.00

30,000.00

40,000.00

50,000.00

60,000.00

70,000.00

80,000.00

90,000.00

100,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Residential


5


positif. Hal ini dibuktikan dengan apabila

melihat dari premi bruto tertinggi berada di

okupasi industrial sedangkan banyak risiko

tertinggi berada pada okupasi komersial.

positive. This is proved which the highest gross

premium is on the industrial occupation while the

highest total risk is under commercial occupation.

Berdasarkan data okupasi, okupasi

Komersial terdiri dari beberapa kode okupasi.

Jumlah risiko terbesar berdasarkan kode

okupasi di Underwriting Year 2012 – 2016

adalah sebagai berikut:

Based on occupation data, Commercial

occupation consist of several occupation codes.

The highest number of risks by occupation code

in Underwriting Year 2012 – 2016 are as follows:

Okupasi Residensial terdiri dari beberapa

kode okupasi. Jumlah risiko terbesar

berdasarkan kode okupasi di Underwriting

Year 2012 – 2016 adalah sebagai berikut:

Residential occupation consist of several

occupation codes. The highest number of risks by

occupation code in Underwriting Year 2012 –

2016 are as follows:

Jumlah Risiko Terbesar pada Okupasi Residensial Berdasarkan Kode Okupasi per 30 Juni 2016

The Highest Number Of Risk in Residential Occupation as at 30 June 2016 by Occupation Code

U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 U/Y 2016

Total Total Total Total Total

Dwelling Houses, not classified

as Shop-Houses (Ruko), not

exceeding 3 storeys.

2976 35,736 34,338 48,485 44,746 14,226

35,736 34,338 48,485 44,746 14,226

Description & Occupation Code

Total

Jumlah Risiko Terbesar pada Okupasi Komersial Berdasarkan Kode Okupasi per 30 Juni 2016

The Highest Number Of Risk in Commercial Occupation as at 30 June 2016 by Occupation Code

U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 U/Y 2016

Total Total Total Total Total

Shops 2934 0 0 33,421 33,483 6,768

Shops - Subject to Waranty A 29341 23,045 16,013 0 0 0

Private Warehouses and

Storehouses - Subject to

Warranty A

29371 13,080 14,355 0 0 0

Veem and Bonded Warehouses -

Subject to Warranty A293941 2 3 0 0 0

36,127 30,371 33,421 33,483 6,768

Description & Occupation Code

Total


6


E. Incurred Claim E. Incurred Claim

Berdasarkan tabel 1.3, frekuensi klaim

gempa bumi paling banyak terjadi di

Underwriting Year 2013 yaitu sebanyak 62

klaim dan didominasi okupasi Komersial

sebanyak 49 klaim. Hal ini disebabkan oleh

kejadian Erupsi Gunung Kelud, 13 Februari

2014. Klaim akibat Erupsi ini sebagian besar

berasal dari Provinsi Jawa Timur khususnya

Kota & Kab. Kediri, Kab. Malang dan Kota

Surabaya.

Based on table 1.3, the highest earthquake

claim frequency occurred in Underwriting Year

2013 was 62 claims and it dominated by

Commercial occupation of 49 claims. It was

caused by Kelud Eruption, on 13 February 2014.

This claim due to Eruption was mostly come from

East Java Province especially City and District of

Kediri, Malang District and Surabaya city.

Berdasarkan Tabel 1.4 dan grafik terlihat

bahwa untuk frekuensi klaim tinggi berada

pada Total Incurred Claim yang relatife kecil,

sedangkan untuk frekuensi klaim kecil berada

pada Total Incurred Claim yang relative besar.

Gambaran tersebut adalah untuk Underwriting

Year 2016 selama 6 bulan terakhir dimana

masih memungkinkan terjadi perubahan jika

terjadi event ke depan.

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. The picture was for Underwriting Year

2016 during the last six month which probably any

changes if an event occurs in the future.

2012 2013 2014 2015 2016

Agrikultural / Agricultural A 0 0 0 0 0

Komersial / Commercial C 16 49 10 25 1

Industrial / Industrial I 0 5 1 2 0

Residensial / Residential R 2 8 4 11 4

18 62 15 38 5

Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2016

Occupation

Jumlah / Total

Table 1.3 Claim Frequency By Occupation as at 30 June 2016

Underwriting YearOkupasi


7


*) Dalam Rupiah

*) In IDR

Frekuensi Jumlah 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

0 - 50 1 50,000,000 50,000,000 50,000,000 50,000,000

50 - 100 2 175,000,000 87,500,000 100,000,000 75,000,000

100 - 200 2 360,000,000 180,000,000 200,000,000 160,000,000

200 - 300 0 0 0 0 0

300 - 500 0 0 0 0 0

500 - 750 0 0 0 0 0

750 - 1,000 0 0 0 0 0

1,000 - 1,500 0 0 0 0 0

1,500 - 2,000 0 0 0 0 0

2,000 - 2,500 0 0 0 0 0

2,500 - 3,000 0 0 0 0 0

3,000 - 4,000 0 0 0 0 0

4,000 - 5,000 0 0 0 0 0

5,000 - 7,500 0 0 0 0 0

7,500 - 10,000 0 0 0 0 0

10,000 - 20,000 0 0 0 0 0

20,000 - 50,000 0 0 0 0 0

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

100,000 - 500,000 0 0 0 0 0

500,000 - up 0 0 0 0 0

5 585,000,000

Table 1.4 Frequency Incurred Claim Underwriting Year 2016 as at 30 June 2016

Claim Incurred (BAND)*)

Incurred Claim (BAND) *)

Jumlah / Total

Tabel 1.4 Frekuensi Incurred Claim Underwriting Year 2016 Per 30 Juni 2016


8


Dari tabel 1.5 tampak bahwa jumlah klaim

terbesar berada pada Underwriting Year 2013.

Klaim yang terbesar adalah pada okupasi

Komersial, yaitu 99.63% dari total klaim di

Underwriting Year 2013 atau sebesar

Rp.271,3 miliar.

From the table 1.5 below, it shows that the

largest claim is in the Underwriting Year 2013. The

largest claim is under Commercial occupation that

is 99.63% of the total claim in Underwriting Year

2013 or Rp.271.3 billion.

Tabel 1.6 menyajikan kejadian Gempa

Bumi Tahun 2016 dan Incurred Claim sampai

dengan 30 Juni 2016.

Table 1.6 shows earthquake events occurred

in 2016 and the corresponding incurred claims as

at 30 June 2016.

Table 1.5 Claim Amount By Occupation as at 30 June 2016 Dalam Rupiah

In IDR

2012 2013 2014

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

Agrikultural / Agricultural A 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Komersial / Commercial C 1,636,685,520.49 92.33 271,246,520,180.70 99.63 624,550,950.05 67.66 5,959,405,013.50 38.45 200,000,000.00 0.00

Industrial / Industrial I 0.00 0.00 890,057,888.00 0.33 200,000,000.00 21.67 7,680,965,985.00 49.56 0.00 0.00

Residensial / Residential R 135,984,751.35 7.67 104,486,089.00 0.04 98,536,193.51 10.67 1,857,064,680.00 11.98 385,000,000.00 0.00

1,772,670,271.84 100.00 272,241,064,157.70 100.00 923,087,143.56 100.00 15,497,435,678.50 100.00 585,000,000.00 0.00

2016

Jumlah / Total

Underwriting Year

Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 30 Juni 2016

2015Okupasi / Occupation

Tabel 1.6 Kejadian Gempa Bumi Tahun 2016 dan Klaim per 30 Juni 2016

Table 1.6 Earthquake Event in 2016 and Claim as at 30 June 2016Dalam Rupiah

In IDR

Kejadian Tanggal Kejadian Kekuatan Gempa (S.R)

Event Date of Loss Magnitude (S.R)

Air Bangis 2-Mar-16 7.8 SR 10,000,000.00

Mentawai 5-Mar-16 5.3 SR 10,000,000.00

Garut 6-Apr-16 6.1 SR 181,170,253.50

Solok 2-Jun-16 6.5 SR 1,510,000,000.00

Claim

Klaim


9


Gambar 3. Peta Intensitas dan ShakeMap Gempa Air Bangis, Garut dan Solok setelah kejadian (sumber peta intensitas:

http://www.earthquake.usgs.gov).

Picture 3. Intensity Map and ShakeMap Air Bangis, Garut and Solok Earthquake after event (intensity map sources:

http://www.earthquake.usgs.gov).

http://www.earthquake.usgs.gov/

http://www.earthquake.usgs.gov/


10


Tabel 1.7 menyajikan klaim untuk event Air

Bangis, Mentawai, Garut dan Solok perjenis

okupasi. Dapat dilihat bahwa okupasi yang

terdampak pada beberapa event tersebut adalah

Komersial dan Residensial. Hal ini dimungkinkan

masih sedikit/belum adanya penutupan pada

Okupasi Industrial dan Agrikultural sehingga

dampak ke Okupasi tersebut belum ada atau

mungkin laporan klaim untuk kedua Okupasi

tersebut belum masuk.

Table 1.7 shows Air Bangis, Mentawai,

Garut and Solok event by occupation. It can be

seen that Commercial and Residential

Occupation affected with some event

mentioned. This is probably a little/there is not

yet cover in Industrial and Agricultural

Occupation so the impact to the occupation

does not exist or may the claim report was not

received yet (Incurred But Not Reported).

Tabel di bawah ini adalah daftar klaim

terbesar sampai dengan tanggal 30 Juni 2016.

Event Pariaman merupakan event dengan besar

klaim terbesar dalam kurun waktu 5 tahun pasca

event Aceh.

The table below is a list of the largest claims

as at 30 June 2016. Pariaman event was the

biggest claim in the period of 5 years since the

Aceh event.

Tabel 1.7 Kejadian Gempa Bumi Tahun 2016 dan Klaim per Okupasi per 30 Juni 2016

Table 1.7 Earthquake Event in 2016 and Claim per Occupation as at 30 June 2016

Event Date of Loss Agrikultural / Komersial / Industrial / Residensial /

Agricultural Commercial Industrial Residential Agricultural Commercial Industrial Residential

Air Bangis 2-Mar-16 0 0 0 1 10,000,000.00

Mentawai 5-Mar-16 0 1 0 0 0.00

Garut 6-Apr-16 0 2 0 1 75,000,000.00

Solok 2-Jun-16 0 2 0 3 310,000,000.00

Occupation

Residensial /Agrikultural / Komersial / Industrial /

Kejadian Tanggal Kejadian

Okupasi

Frekuensi / Frequency Jumlah (Dalam Rupiah) / Amount (In IDR)

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10,000,000.00

106,170,253.50

1,200,000,000.00


11


Tabel 1.8 menyajikan data jumlah polis dan

loss ratio per 30 Juni 2016. Tabel tersebut

menunjukkan loss ratio Underwriting Year 2016

masih lebih kecil dari 5 Underwriting Year.

Sedangkan loss ratio tertinggi berada pada

Underwriting Year 2013 sebesar 6.01%. Hal ini

dipengaruhi oleh nilai klaim yang cukup tinggi yang

mayoritas disebabkan dari Erupsi Gunung Kelud

tahun 2014.

Table 1.8 shows number of policies, and

loss ratio as at 30 June 2016. The table show

that the biggest loss ratio was at Underwriting

Year 2013 i.e. 6.01%. It was influenced by

large amount of claim that resulting majority

from Kelud Eruption in 2014.

Dalam Rupiah

In IDR

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

Event Date of Loss Magnitude (S.R) Claim

1 ACEH 26-12-2004 9 781,709,354,691.64

2 YOGYA 27-05-2006 5.9 286,314,259,635.72

3 PADANG 06-03-2007 5.8 22,445,090,553.18

4 BENGKULU 12-09-2007 7.9 48,880,150,344.02

5 PADANG 16-08-2009 6.9 42,782,942,555.00

6 TASIKMALAYA 02-09-2009 7.3 24,305,724,396.26

7 PARIAMAN 30-09-2009 7.6 1,083,648,012,851.01

8 BIMA 09-11-2009 6.7 43,046,593,135.48

9 MERAPI 25-10-2010 *) 27,499,741,856.40

10 KELUD 13-02-2014 *) 322,962,107,319.64

*) Penyebab terka it letusan gunung berapi

*) Caused by volcanic eruption

Daftar Klaim - Klaim Terbesar Posisi 30 Juni 2016

List of The Largest Claims as at 30 June 2016

Tabel 1.8 Jumlah Polis dan Loss Ratio per 30 June 2016

Table 1.8 Number of Policies and Loss Ratio as at 30 June 2016

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

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

2012 173,827 2,721,401,635,174.71 18 1,772,670,271.84 0.07%

2013 189,524 4,529,595,941,316.70 62 272,241,064,157.70 6.01%

2014 235,275 4,982,077,446,302.20 15 923,087,143.56 0.02%

2015 226,069 5,186,253,804,675.63 38 15,497,435,678.50 0.30%

2016 54,171 925,235,320,285.70 21 585,000,000.00 0.06%

Keterangan :*) Dalam Rupiah

*) In IDR

Loss Ratio


12


Tabel 1.9 menyajikan Premi dan Exposure

per 30 Juni 2016. Dapat dilihat bahwa trend

kenaikan pada premi dari Underwriting Year

2012-2015 akan terjadi juga pada sisi

Exposure.

Table 1.9 shows Premium and Exposure as at

30 June 2016. It can be seen that increase trend

on premium will also be in exposure for

Underwriting Year 2012-2015.

Dalam Jutaan Rupiah

In Million IDR

Premi Exposure

Premium Exposure

2012 2,721,401.64 1,974,309,314.68

2013 4,529,595.94 2,758,269,954.05

2014 4,982,077.45 3,128,409,723.85

2015 5,186,253.80 3,548,422,344.44

2016 925,235.32 727,575,486.02

T O T A L 18,344,564.15 12,136,986,823.04

Tabel 1.9 Premi dan Exposure per 30 Juni 2016

Underwriting Year

Table 1.9 Premium and Exposure as at 30 June 2016


13


Ulasan Aktuaria / Actuarial Commentary

Pengaruh Deductible pada Distribusi Frekuensi Klaim dan Besar Klaim The Effect of Deductibles on Claims Frequency and Claims Severity Distributions

Pemodelan klaim menggunakan model

peluang dapat dilakukan terhadap frekuensi

klaim dan besar (severitas) klaim. Ulasan

aktuaria kali ini membahas pengaruh

deductible pada distribusi peluang peubah

acak severitas dan peubah acak frekuensi

klaim. Deductible merupakan salah satu jenis

modifikasi cakupan polis. Modifikasi cakupan

polis sering diterapkan perusahaan asuransi

untuk mengurangi risiko dan/atau mengontrol

bahaya moral, yaitu situasi dimana terjadi

perubahan perilaku dari pemegang polis akibat

adanya perlindungan terhadap kerugian.

Dengan adanya deductible, pembayaran klaim

tidak terjadi apabila kerugian tidak melebihi

nilai deductible.

Modelling claims frequency and claims

amount (severity) may be carried out using

probability models. This actuarial article

discusses the effect of deductibles on the

probability distributions of claims severity and

claims frequency random variables. Applying

a deductible is one way of coverage

modification. Insurance companies often

modify the policy coverage to reduce risks

and/or control the problem of moral hazard,

which refers to the situation in which the

insured behaves differently due to a given

protection of loss. With a deductible, a

payment in a loss event does not incur if the

loss does not exceed the deductible.

Sebelum membahas lebih lanjut mengenai

deductible, diperlukan definisi yang jelas

tentang kejadian kerugian dan kejadian

pembayaran. Kejadian kerugian terjadi apabila

terdapat kerugian, sedangkan kejadian

pembayaran terjadi ketika pihak asuransi

sebagai penanggung memiliki liabilitas untuk

membayar seluruh atau sebagian kerugian.

Beberapa notasi dari peubah acak yang akan

digunakan adalah sebagai berikut:

Before further discussion on deductible,

the definitions of loss events and payment

events are required. A loss event occurs

whenever there is a loss; whereas a payment

event occurs only when the insurer is liable to

pay some or all of the loss. Notations on

random variables which will be used in this

article are as follows:


14


𝑋 ≔peubah acak yang menyatakan nilai

yang dibayarkan atas kejadian

kerugian ketika tidak terdapat

modifikasi cakupan polis,

𝑋𝐿 ∶=peubah acak yang menyatakan nilai


kerugian ketika terdapat modifikasi

cakupan polis,

𝑋𝑃 ∶=peubah acak yang menyatakan nilai


pembayaran ketika terdapat modifikasi

cakupan polis.

𝑋, 𝑋𝐿 dan 𝑋𝑝 secara berturut-turut disebut

sebagai ground-up loss, cost per loss, dan cost

per payment. 𝑋 dan 𝑋𝐿 memiliki support

nonnegatif, sedangkan 𝑋𝑝 memiliki support

positif.

𝑋 ≔random variable which defines the

amount paid in a loss event when

there is no coverage modification,

𝑋𝐿 ∶=random variable which defines the

amount paid in a loss event when

there is coverage modification,

𝑋𝑃 ∶=random variable which defines the

amount paid in a payment event when

there is coverage modification.

𝑋, 𝑋𝐿 , and 𝑋𝑝 consecutively denote the

ground-up loss, cost per loss, and cost per

payment. Thus, 𝑋 dan 𝑋𝐿 have non-negative

support, while 𝑋𝑝 has positive support.

Misalkan suatu polis asuransi memiliki nilai

deductible sebesar 𝑑 sedemikian sehingga

pihak asuransi tidak akan membayar kepada

pemegang polis apabila kerugian 𝑋 kurang

dari atau sama dengan 𝑑 dan akan membayar

sebesar 𝑋 − 𝑑 apabila kerugian 𝑋 melebihi 𝑑.

Asumsikan bahwa adanya modifikasi cakupan

polis tidak memengaruhi proses terjadinya

kerugian maupun karakteristik individu yang

akan membeli produk asuransi. Dengan

demikian, nilai yang dibayarkan atas kejadian

kerugian adalah

Consider an insurance policy with a

deductible of 𝑑 such that the insurer will not

pay the policyholder if the loss 𝑋 is less than or

equal to 𝑑; and will pay 𝑋 − 𝑑 if the loss 𝑋

exceeds 𝑑. Assume that the imposition of

coverage modification does not affect the

process that produces losses or the

characteristics of the individuals who will

purchase the insurance product. Therefore, the

amount paid in a loss event is given by

𝑋𝐿 = (𝑋 − 𝑑)+ = {0, 𝑋 ≤ 𝑑𝑋 − 𝑑, 𝑋 > 𝑑

(1)


15


Berdasarkan persamaan 1, seluruh nilai

kerugian kurang dari sama dengan 𝑑 dipetakan

ke titik nol, sehingga peubah acak 𝑋𝐿 memiliki

massa peluang di titik nol sebesar

Based on equation 1, the entire value of losses

which is less than or equal 𝑑 are mapped to

point zero. Therefore, the random variable 𝑋𝐿

has a probability mass at point zero of

𝑃𝑟(𝑋𝐿 = 0) = 𝑃𝑟(𝑋 ≤ 𝑑) = 𝐹𝑋(𝑑) (2)

Dengan demikian, 𝑋𝐿 berdistribusi

campuran; yaitu terdapat massa peluang di titik

nol atau peluang di titik nol adalah 𝐹𝑋(𝑑) , dan

untuk 𝑥 > 𝑑, fungsi densitas peluang 𝑋𝐿

adalah sebagai berikut:

The random variable 𝑋𝐿 has a mixed-type

distribution; having a probability mass at point

zero of 𝐹𝑋(𝑑) and, for 𝑥 > 𝑑 , a density

function of

𝑓𝑋𝐿(𝑥 − 𝑑) = 𝑓𝑋(𝑥), 𝑥 > 𝑑. (3)

Persamaan 3 juga dapat dituliskan dalam

bentuk berikut:

Equation 3 can also be written as

𝑓𝑋𝐿(𝑥) = 𝑓𝑋(𝑥 + 𝑑), 𝑥 > 0 (4)

Fungsi distribusi dari peubah acak 𝑋𝐿 adalah The distribution function of the random

variable 𝑋𝐿 is given by

𝐹𝑋𝐿= {

0, 𝑥 < 0𝐹𝑋(𝑥 + 𝑑) 𝑥 ≥ 0.

(5)

Mean atau rataan dari peubah acak 𝑋𝐿 adalah The mean of 𝑋𝐿 may be calculated as follows

𝐸[𝑋𝐿] = ∫ 𝑥 ∞

0𝑓𝑋𝐿

(𝑥) 𝑑𝑥 = ∫ (𝑥 − 𝑑)∞

𝑑𝑓𝑋(𝑥) 𝑑𝑥 = ∫ 𝑆𝑋(𝑥) 𝑑𝑥.

∞

𝑑 (6)

Berbeda dari peubah acak 𝑋𝐿, peubah acak 𝑋𝑃

terdefinisi jika dan hanya jika terdapat

pembayaran, yaitu ketika 𝑋 > 𝑑. Pada

praktiknya, sering kali hanya data pembayaran

saja yang tersedia. Ketika kerugian kurang dari

nilai deductible, maka tidak ada klaim yang

Unlike the random variable 𝑋𝐿, the random

variable 𝑋𝑃 is defined only when there is a

payment, i.e. when 𝑋 > 𝑑. In practice, only

the data on payments are available. When a

loss is less than or equal to the deductible,

usually a claim will not be reported to the


16


dilaporkan ke perusahaan asuransi, sehingga

informasi kerugian (ground-up loss) tidak ada.

Berdasarkan proses terbentuknya, distribusi dari

peubah acak 𝑋𝐿 dan 𝑋𝑝 secara berturut turut juga

disebut sebagai censored distribution dan

truncated distribution. 𝑋𝑃 yang pada umumnya

disebut excess-loss variable merupakan peubah

acak bersyarat yang didefinisikan sebagai

insurance company and the information of the

ground up loss is not recorded. Based on the

process, the distribution of the random

variables 𝑋𝐿 and 𝑋𝑃 are called censored

distribution and truncated distribution,

resepectively. The random variable 𝑋𝑃,

which is generally called an excess-loss

variable, is a conditional random variable

defined as

𝑋𝑃 = 𝑋 − 𝑑 | 𝑋 > 𝑑 = 𝑋𝐿 | 𝑋𝐿 > 0, (7)

sehingga

𝑋𝑃 = {𝑢𝑛𝑑𝑒𝑓𝑖𝑛𝑒𝑑, 𝑋 ≤ 𝑑𝑋 − 𝑑, 𝑋 > 𝑑

. (8)

Dapat dilihat bahwa 𝑋𝑃 selalu berdistribusi

kontinu apabila 𝑋 berdistribusi kontinu.

Berdasarkan persamaan 7, fungsi densitas, fungsi

distribusi, dan mean dari peubah acak 𝑋𝑃 adalah

Note that 𝑋𝑃 follows a continuous

distribution if 𝑋 is continuous. Based on

equation 7, the density function, the

distribution function, and the mean of random

variable 𝑋𝑃, respectively, are as follows:

𝑓𝑋𝑃(𝑥) =

𝑓𝑋𝐿(𝑥)

𝑃𝑟(𝑋>𝑑)=

𝑓𝑋(𝑥+𝑑)

𝑆𝑋(𝑑) , 𝑥 > 0 (9)

𝐹𝑋𝑃(𝑥) =

𝐹𝑋(𝑥+𝑑)−𝐹𝑋(𝑑)

𝑆𝑋(𝑑) , 𝑥 > 0 (10)

𝐸[𝑋𝑃] = ∫ 𝑥 ∞

0𝑓𝑋𝑃

(𝑥) 𝑑𝑥 = ∫ 𝑥 ∞

0[

𝑓𝑋(𝑥+𝑑)

𝑆𝑋(𝑑)] 𝑑𝑥 =

𝐸[𝑋𝐿]

𝑆𝑋(𝑑) (11)

Sebagai ilustrasi, misalkan

𝑋~𝑙𝑜𝑔𝑛𝑜𝑟𝑚𝑎𝑙 (𝜇 = 6,8; 𝜎2 = 1,4162)

dan 𝑑 = 4000. Dapat dilihat pada Gambar 1

bahwa fungsi distribusi dari peubah acak cost

per loss mengalami loncatan di titik nol karena

adanya massa peluang di titik tersebut. Selain

itu, dapat dilihat pula bahwa deductible tidak

menyebabkan liabilitas pihak asuransi dalam

As an illustration, let

𝑋 ~ 𝑙𝑜𝑔𝑛𝑜𝑟𝑚𝑎𝑙 (𝜇 = 6.8; 𝜎2 = 1.4162)

and 𝑑 = 4000. In Figure 1 it is shown that the

distribution function of the random variable cost

per loss jumps at point zero, indicating the

probability mass at that point. Furthermore, it

can seen that a deductible does not make the

liability of the insurer becomes limited. Unlike


17


pembayaran klaim menjadi terbatas. Berbeda

dari peubah acak cost per loss, fungsi distribusi

dari peubah acak cost per payment tidak

mengalami loncatan.

that of the random variable cost per loss, the

distribution function of the random variable cost

per payment has no jump point.

.

Gambar 1. Grafik perbandingan fungsi distribusi cost per loss dan cost per payment untuk 𝑑 = 4000.

Figure 2. Comparisons of the distribution functions of cost per loss and cost per payment random variables for 𝑑 = 4000.

Selanjutnya, untuk memperoleh nilai ekspektasi

dari peubah acak cost per loss akan digunakan

teorema berikut:

Teorema 1. Misalkan X~lognormal (μ; σ2) ,

maka untuk suatu konstanta positif d

Next, the expected value of the random

variable cost per loss will be determined based

on the following theorem.

Teorema 1. Let 𝑋 ~ 𝑙𝑜𝑔𝑛𝑜𝑟𝑚𝑎𝑙 (𝜇; 𝜎2) ,

then for a positive constant 𝑑

𝐸[𝑋𝐿] = 𝐸[(𝑋 − 𝑑)+] = 𝑒𝑥𝑝 (𝜇 +𝜎2

2) [1 − Φ(𝑧∗)] − 𝑑[1 − Φ(𝑧∗ + 𝜎)],

dengan where

𝑧∗ =ln 𝑑−𝜇

𝜎− 𝜎..

Dengan menggunakan Teorema 1,

diperoleh nilai ekspektasi dari peubah acak cost

per loss untuk beberapa nilai deductible yang

berbeda seperti pada Gambar 2. Dapat dilihat

bahwa semakin besar nilai deductible, nilai

Using Theorem 1, the expectation of the

cost per loss random variable for several values

of deductibles may be determined. It can be

seen in Figure 2 that the greater the value of


18


ekspektasi dari peubah acak cost per loss

semakin kecil.

the deductible, the smaller the expected value

of the cost per loss random variable is.

Gambar 3. Pengaruh deductible terhadap ekspektasi peubah acak cost per loss.

Figure 4. The effect of deductibles on the expected values of the cost per loss random variable.

Selain berpengaruh pada severitas

pembayaran klaim, deductible juga

memengaruhi frekuensi pembayaran klaim.

Misalkan 𝑋𝑗 menyatakan ground-up loss dari

suatu kejadian kerugian ke-𝑗. Jika 𝑣 didefinsikan

sebagai peluang bahwa suatu kerugian

menyebabkan terjadinya pembayaran klaim,

maka di bawah asumsi deductible sebesar 𝑑,

Besides affecting the severity of claims

payment, a deductible also affects the

frequency of claims payment. Suppose 𝑋𝐽

represents the ground up loss on the 𝑗𝑡ℎ loss. If

𝑣 is defined as the probability that a loss will

result in a payment, under the assumption of a

deductible of 𝑑, then

𝑣 = 𝑃𝑟(𝑋 > 𝑑). (12)

Notasikan 𝑁𝐿 dan 𝑁𝑃 secara berturut-turut

sebagai peubah acak yang menyatakan

frekuensi kerugian dan frekuensi pembayaran.

Definisikan 𝐼𝑗 sebagai peubah acak indikator

yang bernilai 1 (satu) apabila kerugian ke-𝑗

menyebabkan terjadinya pembayaran; dan

bernilai 0 (nol) apabila kerugian ke-𝑗 tidak

menyebabkan terjadinya pembayaran. Dengan

demikian, 𝐼𝑗~𝐵𝑒𝑟𝑛𝑜𝑢𝑙𝑙𝑖(𝑣) dan peubah acak

𝑁𝑃 dapat didefinisikan sebagai berikut:

Denote 𝑁𝐿 and 𝑁𝑃 , respectively, as

random variables which define the frequency of

losses and the frequency of payments. Define

the indicator random variable 𝐼𝑗 by 𝐼𝑗 = 1 if

the𝑗𝑡ℎ loss results in a payment and 𝐼𝑗 = 0 if

the 𝑗𝑡ℎ loss does not result in a payment. Thus,

𝐼𝑗 ~ 𝐵𝑒𝑟𝑛𝑜𝑢𝑙𝑙𝑖(𝑣) and 𝑁𝑃 may be defined

as follows


19


𝑁𝑃 = 𝐼1 + ⋯ + 𝐼𝑁𝐿. (13)

Sesuai dengan definisi tersebut, di bawah

asumsi

1. 𝐼1, … , 𝐼𝑁𝐿 saling bebas dan identik,

2. 𝑁𝐿 saling bebas dengan 𝐼𝑗,

Based on this definition, under the following

assumptions

1. 𝐼1, … , 𝐼𝑁𝐿 are mutually independent

and identically distributed,

2. 𝑁𝐿 distributed independently of 𝐼𝑗,

𝑁𝑃 dikatakan memiliki distribusi compound.

Distribusi dari peubah acak 𝑁𝐿 disebut

sebagai distribusi primer dan distribusi dari

peubah acak 𝐼𝐽 disebut sebagai distribusi

sekunder. Fungsi pembangkit peluang dari

peubah acak 𝑁𝑃 dapat ditentukan

menggunakan persamaan berikut:

𝑁𝑃 is said to have a compound distribution.

The distribution of the random variable 𝑁𝐿 is

called the primary distribution, and the

distribution of 𝐼𝐽 is called the secondary

distribution. The probability generating

function of random variable 𝑁𝑃 may be

calculated as follows:

𝑃𝑁𝑃(𝑡) = 𝐸[𝑡𝑁𝑃]

= 𝐸[𝑡𝐼1+⋯+𝐼𝑁𝐿 ] (berdasarkan definisi)

(by definition)

= 𝐸 [𝐸[𝑡𝐼1+⋯+𝐼𝑁𝐿 |𝑁𝐿]] (menggunakan ekspektasi bersyarat dan kebebasan 𝑁𝐿 dari 𝐼𝑗)

(using conditional expectation and independence of 𝑁𝐿 and 𝐼𝑗)

= 𝐸 [[𝐸[𝑡𝐼𝑗]] 𝑁𝐿] (menggunakan sifat bahwa 𝐼1, … , 𝐼𝑁𝐿saling bebas dan berdistribusi identik)

(using the fact that 𝐼1, … , 𝐼𝑁𝐿 are independently and identically distributed)

= 𝑃𝑁𝐿[𝑃𝐼𝑗

(𝑡)]. (14)

Fungsi pembangit peluang (f.p.p) dari peubah

acak 𝐼𝑗 adalah

The probability generating function (p.g.f) of the

random variable 𝐼𝑗 is

𝑃𝐼𝑗(𝑡) = 1 + 𝑣(𝑡 − 1), (15)

sehingga such that

𝑃𝑁𝑃(𝑡) = 𝑃𝑁𝐿

[𝑃𝐼𝑗(𝑡)] = 𝑃𝑁𝐿

[1 + 𝑣(𝑡 − 1)]. (16)

Teorema 2. Misalkan Y merupakan peubah

acak yang mengikuti suatu distribusi peluang

Theorem 2. Let 𝑌 denotes a random variable

with probability function belongs to (a,b,0) class


20


pada kelas (a,b,0). Fungsi pembangit peluang

(f.p.p) dari peubah acak Y dapat dituliskan dalam

bentuk berikut

of distributions. The p.g.f of 𝑌 can be written as

follows

𝑃𝑌(𝑡|𝛽) = 𝑄𝑌[𝛽(𝑡 − 1)], (17)

dengan β adalah parameter dari Y dan QY(. )

adalah fungsi dari β(t − 1).

Teorema 2 menunjukkan bahwa menambah,

mengurangi, atau memodifikasi peluang

distribusi sekunder pada nilai nol setara dengan

mengubah parameter 𝛽 yang merupakan

parameter dari distribusi primer. Berdasarkan

Teorema 2, apabila 𝑁𝐿 berdistribusi kelas

(a,b,0), maka

where 𝛽 is a parameter of 𝑌 and 𝑄𝑋(. ) is a

function of 𝛽(𝑡 − 1) only.

Theorem 2 shows that adding, deleting, or

modifying the probability at zero in the

secondary distribution is equivalent to modifying

the parameter 𝛽 of the primary distribution.

Based on Theorem 2, if the random variable 𝑁𝐿

has a probability function belongs to a (a,b,0)

class of distributions, then

𝑃𝑁𝐿(𝑡|𝛽) = 𝑄𝑁𝐿

[𝛽(𝑡 − 1)]. (18)

Dengan demikian f.p.p dari peubah acak 𝑁𝑃

dapat dituliskan sebagai berikut

Consequently, the p.g.f of random variable 𝑁𝑃

can be written as follows

𝑃𝑁𝑃(𝑡) = 𝑃𝑁𝐿

[1 + 𝑣(𝑡 − 1)] = 𝑄𝑁𝐿[𝛽(1 + 𝑣(𝑡 − 1) − 1)] = 𝑄𝑁𝐿

[𝛽𝑣(𝑡 − 1)]. (19)

Persamaan 18 dan 19 menunjukkan bahwa 𝑁𝑃

dan 𝑁𝐿berada pada keluarga distribusi yang

sama, sehingga hanya diperlukan penyesuaian

parameter, yaitu

Equations 18 and 19 imply that 𝑁𝑃 and 𝑁𝐿 are

both from the same parametric family of

distributions, such that only parameter

adjustment is needed:

𝛽∗ = 𝛽𝑣. (20)

Dalam praktik, dapat saja terjadi modifikasi

pada peluang frekuensi klaim bernilai nol.

Dengan kata lain, 𝑃𝑟(𝑁𝐿 = 0) = 0 (zero

modified) atau 𝑃𝑟(𝑁𝐿 = 0) > 0 (zero

truncated). Apabila hal ini terjadi, maka distribusi

peluang tersebut termasuk ke dalam kelas

(a,b,1). Definisi dari distribusi kelas (a,b,1) dapat

In practice, it is posibble that certain

modification of probability at zero for claims

frequency is required. In other words, 𝑃𝑟(𝑁𝐿 =

0) = 0 (zero truncated) or 𝑃𝑟(𝑁𝐿 = 0) > 0

(zero modified). Under this modification, the

probability distribution is said to be a member of

the (a,b,1) class of distributions. The definition


21


dilihat pada Klugman dkk (edisi 3, Tahun 2008)

pada Halaman 121. Penyesuaian parameter

atau Frequency adjustment untuk beberapa

distribusi 𝑁𝐿 yang termasuk dalam kelas (a,b,0)

dan (a,b,1) dapat dilihat pada tabel berikut:

of (a,b,1) class of distributions may be found in

Klugman et.al (3rd edition, 2008) page 121. The

following table shows the frequency

adjustments for several distributions of 𝑁𝐿

which belong to (a,b,1) or (a,b,0) classes:

Tabel 1. Penyesuaian Parameter. Table 2. Frequency adjustment.

𝑵𝑳distribution Parameters for 𝑵𝑷

Poisson 𝜆∗ = 𝑣𝜆

Zero Modified Poisson 𝑝0𝑀∗ = 𝑝0

𝑀 − 𝑒−𝜆 + 𝑒−𝑣𝜆 − 𝑝0𝑀𝑒−𝑣𝜆

1 − 𝑒−𝜆, 𝜆∗ = 𝑣𝜆

Binomial 𝑞∗ = 𝑣𝑞

Zero Modified Binomial 𝑝0

𝑀∗ =𝑝0

𝑀 − (1 − 𝑞)𝑚 + (1 − 𝑣𝑞)𝑚 − 𝑝0𝑀(1 − 𝑣𝑞)𝑚

1 − (1 − 𝑞)𝑚, 𝑞∗ = 𝑣𝑞

Negative Binomial 𝛽∗ = 𝑣𝛽, 𝑟∗ = 𝑟

Zero Modified Negative

Binomial 𝑝0

𝑀∗ =𝑝0

𝑀 − (1 + 𝛽)−𝑟 + (1 + 𝑣𝛽)−𝑟 − 𝑝0𝑀(1 + 𝑣𝛽)−𝑟

1 − (1 + 𝛽)−𝑟, 𝛽∗ = 𝑣𝛽, 𝑟∗ = 𝑟

Zero Modified Logarithmic 𝑝0

𝑀∗ = 1 − (1 − 𝑝0𝑀)

ln(1 + 𝑣𝛽)

ln(1 + 𝛽), 𝛽∗ = 𝑣𝛽

Sumber: Klugman, S.A., Panjer, H. H., and Wilmot, G. E. (2008). Loss Models : From Data to Decisions. Third edition. Halaman 195.

Referensi

1. Klugman, S.A., Panjer, H. H., and Wilmot, G. E. (2008). Loss Models : From Data to Decisions.

Third edition. John Wiley and Sons Publication.

2. Tse, Y. (2009). Nonlife Actuarial Models Theory : Methods and Evaluation. United States of

America : Cambridge University Press.


22


Ulasan Asuransi / Insurance Commentary

Gempabumi yang Mengubah Earthquake that change

Selama kurun waktu 2004 sampai dengan

2016, tercatat terdapat beberapa gempabumi

dengan dampak besar. Namun perlukah

mengambil kebijakan sementara untuk tidak

melakukan penutupan pada daerah terdampak

pasca kejadian gempabumi? Pada Ulasan

Asuransi sebelumnya (MAIPARK, Ulasan

Asuransi: Penetrasi Asuransi Gempabumi

Indonesia - Peranan Industri Asuransi

Melindungi Area Rawan Gempa (Jakarta:

Laporan Statistik Asuransi Gempa Bumi

Indonesia per 31 Desember 2015, 2015), hlm 29-

33), telah dipaparkan bahwa pasca kejadian,

kecenderungan penutupan asuransi gempabumi

semakin meningkat dari tahun ketahun.

Jika dikaitkan dengan jumlah klaim, pada

okupasi apakah paling banyak terimbas

gempabumi dengan dampak besar dan hal-hal

apakah yang mengalami perubahan? Pada

beberapa kejadian gempabumi dengan dampak

besar di bawah ini dapat dilihat bahwa okupasi

yang mengalami dampak terbesar adalah

okupasi Komersial. Sedangkan khusus untuk

Gempabumi Padang, Okupasi yang mengalami

dampak terbesar selain Komersial adalah

Residensial.

During the period 2004 until 2016, there were

several earthquakes that recorded with large

impact. Is it necessary issued temporary policy to

exclude the area that affected by the earthquake

after the incident? In previous Insurance

Commentary (MAIPARK, Insurance

Commentary: The penetration of Earthquake

insurance in Indonesia - The Role of Insurance

Industry in protecting the Earthquake Prone Areas

(Jakarta: Indonesian Earthquake Insurance

Statistic as at 31 December 2015, 2015), page

29-33), described that after events, the

earthquake insurance coverage is increasing

from year to year.

If it is associated with number of claims, what

is the most affected occupacy by the earthquakes

with large impact and what does changed? It can

be seen below that Commercial Occupacy

experienced the greatest impact to some

earthquake with large impact. Especially for

Padang Earthquake, Residential Occupacy also

experience the greatest impact besides the

Commercial Occupacy.


23


Kecenderungan yang terjadi pasca

gempabumi dengan dampak besar adalah

adanya peningkatan jumlah risiko yang ditutup

pada okupasi tersebut ditahun setelahnya.

Namun untuk Gempabumi Aceh, peningkatan

signifikan terjadi setelah 2 tahun pasca event

tersebut.

Terkait peningkatan penutupan risiko

gempabumi yang signifikan setelah kejadian,

khusus untuk gempabumi Aceh memiliki

sedikit perbedaan, hal ini dapat diakibatkan

terhambatnya proses rehabilitasi dan

rekonstruksi sehingga jumlah risiko yang

diasuransikan belum maksimal. Lamanya

proses rehabilitasi dan rekonstruksi ini dapat

diakibatkan karena faktor berikut:

1. Lumpuhnya Pemerintahan Daerah.

2. Tidak adanya Logistik.

3. Alutsista TNI sangat kurang, akibat

embargo & sanksi.

4. Konflik bersenjata dengan GAM masih

berlangsung.

5. Ada penolakan terhadap bantuan

internasional, termasuk militernya.

6. Badan penanggulangan bencana belum

terbentuk.

7. Undang-Undang penanggulangan bencana

belum ada.

8. Anggaran APBN 2004 tidak tersedia untuk

tanggap darurat tsunami Aceh dan Nias.

(sumber: http://news.detik.com/berita/2787842/catatan-

sby-soal-persoalan-pelik-dalam-penanganan-pasca-

tsunami-aceh).

Propensity after the earthquake with great

impact i.e. increasing number of risks by

occupacy (commercial and residential) which

write in the year thereafter. But for the Aceh

Earthquake, significant increase occurred two

years after the event.

Related to significant increase on the write of

earthquake risks after the event, especially for the

Aceh Earthquake have a little diference, this can

be caused by delays in the process of

rehabilitation and reconstruction so that the

number of the insured risk is not yet maximized.

The duration of the rehabilitation and

reconstruction process can be caused by the

following factors:

1. Local government paralzed.

2. Lack of logistics.

3. Indonesian Nasional Army “Alutsista” very less,

due to the embargo and sanctions.

4. The armed conflict with GAM is still ongoing.

5. There is a rejection of international

assistance, including military.

6. The Disaster Management Agency (Badan

Penanggulangan Bencana) has not yet

formed.

7. Disaster Management Act no.

8. State Budget for 2004 is not available for the

tsunami emergency response in Aceh and

Nias. (source:http://news.detik.com/berita/2787842/catatan-

sby-soal-persoalan-pelik-dalam-penanganan-pasca-tsunami-

aceh).


24


Bangsa dan pemerintah Indonesia tentunya

telah sejak lama memahami posisi geografis,

geologis, hidrologis, dan demografis Indonesia

yang rentan terhadap bencana. Semenjak

Gempabumi Aceh 2004 dan bencana lain

setelahnya, Pemerintah telah mengundangkan

Undang-Undang Nomor 24 Tahun 2007

sebagai payung hukum dalam

penanggulangan bencana dan dasar

pembentukan Badan Penanggulangan

Bencana di tingkat pusat dan daerah serta

alokasi anggaran. Beberapa perubahan inilah

yang dapat mendukung peningkatan jumlah

risiko asuransi gempabumi. Mari

Ber(ikan)asuransi.

The nation and the Indonesian government

have understood the Indonesia geographical

position, geological, hydrological and

demographic are prone to disaster. Since the

Aceh Earthquake 2004 and other disaster

thereafter, the Government has enacted Law No.

24 of 2007 as an umbrella law on disaster

management and establishing the Disaster

Management Agency at central and local levels

and budget allocations. Some of these changes

may support the growing number of earthquake

insurance risk. Mari Ber(ikan)asuransi.


25


Gambar??. Grafik Persentase Jumlah Klaim dan peningkatan Persentase Penutupan Berdasar Jumlah Risiko Okupasi

Komersial setelah kejadian Gempa Aceh 26 Desember 2004.

Picture??. Number of Risk Percentage Chart on Claim and increasing insurance write for commercial occupacy after Aceh

Earthquake 26 December 2004.


Komersial setelah kejadian Gempa Yogya 27 Mei 2007.

Picture??. Number of Risk Percentage Chart on Claim and increasing insurance write for commercial occupacy after Yogya

Earthquake 27 Mei 2007.


26


Gambar ??. Grafik Persentase Jumlah Klaim dan peningkatan Persentase Penutupan Berdasar Jumlah Risiko Okupasi

Komersial setelah kejadian Gempa Bengkulu 12 September 2007.

Picture ??. Number of Risk Percentage Chart on Claim and increasing insurance write for commercial occupacy after

Bengkulu Earthquake 12 September 2007.


Komersial dan Residensial setelah kejadian Gempa Padang 30 September 2009.

Picture ??. Number of Risk Percentage Chart on Claim and increasing insurance write for commercial and residential

occupacy after Padang Earthquake 30 September 2009.


27


Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2016, per 30 Juni 2016

Diolah oleh MAIPARK dari data MAIPARK dan BMKG

Process by MAIPARK form MAIPARK and BMKG data


28




Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2016


29


Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2016, per 30 Juni 2016

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2016




30


Table 2.1 in IDR

Amount % Amount % Amount % Amount % Amount %

BANDA ACEH 1.1 3,887,973,784,587.20 0.20 4,631,184,023,255.03 0.17 6,475,407,234,598.72 0.21 6,141,601,804,000.44 0.17 308,707,705,986.40 0.04

MEDAN 1.2 39,930,432,753,351.10 2.02 48,019,992,924,050.20 1.74 52,110,368,958,437.30 1.67 63,889,296,581,726.00 1.80 16,924,429,258,172.10 2.33

OTHERS 1.3 39,955,150,550,405.30 2.02 49,698,131,924,414.50 1.80 58,517,015,258,588.10 1.87 73,669,154,188,693.50 2.08 7,107,360,161,794.93 0.98

NORTH SUMATERA 1 83,773,557,088,343.60 4.24 102,349,308,871,720.00 3.71 117,102,791,451,624.00 3.74 143,700,052,574,420.00 4.05 24,340,497,125,953.40 3.35

PADANG 2.1 19,055,410,642,420.70 0.97 27,224,177,532,224.50 0.99 30,371,967,358,753.50 0.97 36,655,158,022,094.80 1.03 4,763,490,870,436.16 0.65

PALEMBANG 2.2 19,002,600,284,678.90 0.96 23,230,068,194,777.00 0.84 21,554,336,242,458.30 0.69 33,798,674,812,124.20 0.95 3,123,401,714,595.80 0.43

OTHERS 2.3 134,587,644,567,246.00 6.82 150,917,658,041,520.00 5.47 201,166,817,295,695.00 6.43 291,161,279,894,249.00 8.21 55,910,532,833,841.20 7.68

SOUTH SUMATERA 2 172,645,655,494,345.00 8.74 201,371,903,768,522.00 7.30 253,093,120,896,907.00 8.09 361,615,112,728,468.00 10.19 63,797,425,418,873.20 8.77

JAKARTA 3.1 400,177,640,620,151.00 20.27 435,498,377,729,793.00 15.79 658,917,880,791,553.00 21.06 603,665,395,916,498.00 17.01 127,948,814,292,811.00 17.59

BANDUNG 3.2 11,047,671,688,987.80 0.56 10,570,455,885,753.00 0.38 11,893,458,933,650.00 0.38 15,986,486,875,449.30 0.45 4,051,668,042,362.95 0.56

OTHERS 3.3 662,621,262,221,902.00 33.56 987,768,369,777,405.00 35.81 1,133,077,727,588,530.00 36.22 978,294,317,135,281.00 27.57 291,510,816,814,857.00 40.07

WEST JAVA 3 1,073,846,574,531,040.00 54.39 1,433,837,203,392,950.00 51.98 1,803,889,067,313,730.00 57.66 1,597,946,199,927,230.00 45.03 423,511,299,150,032.00 58.21

SEMARANG 4.1 7,152,358,175,509.66 0.36 8,898,713,851,285.73 0.32 8,625,538,080,025.90 0.28 13,098,483,886,134.10 0.37 1,895,364,569,546.20 0.26

YOGYAKARTA 4.2 9,305,354,884,895.54 0.47 8,573,422,953,780.61 0.31 14,163,785,910,344.90 0.45 395,664,005,102,035.00 11.15 2,978,693,218,571.78 0.41

OTHERS 4.3 102,787,042,600,585.00 5.21 136,817,917,431,266.00 4.96 151,207,217,056,487.00 4.83 174,512,888,913,458.00 4.92 44,802,121,744,416.20 6.16

CENTRAL JAVA 4 119,244,755,660,990.00 6.04 154,290,054,236,332.00 5.59 173,996,541,046,858.00 5.56 583,275,377,901,628.00 16.44 49,676,179,532,534.20 6.83

SURABAYA 5.1 51,275,273,090,249.70 2.60 134,246,529,078,293.00 4.87 76,850,867,284,379.20 2.46 72,071,237,723,636.00 2.03 17,568,877,420,245.30 2.41

OTHERS 5.2 242,017,361,804,202.00 12.26 233,182,071,594,038.00 8.45 340,158,955,158,059.00 10.87 352,639,211,942,010.00 9.94 62,420,837,529,183.90 8.58

EAST JAVA 5 293,292,634,894,452.00 14.86 367,428,600,672,331.00 13.32 417,009,822,442,438.00 13.33 424,710,449,665,646.00 11.97 79,989,714,949,429.20 10.99

KALIMANTAN 6 101,470,729,177,791.00 5.14 128,384,392,940,167.00 4.65 142,879,365,910,800.00 4.57 158,061,990,536,773.00 4.45 35,559,627,143,738.70 4.89

UJUNG PANDANG 7.1 10,444,854,149,882.30 0.53 14,118,612,393,835.50 0.51 24,311,146,578,168.80 0.78 19,283,668,388,191.90 0.54 3,918,262,910,018.42 0.54

OTHERS 7.2 54,000,807,954,031.10 2.74 39,288,281,762,787.70 1.42 99,234,279,627,988.20 3.17 134,217,142,489,941.00 3.78 12,441,738,251,813.70 1.71

SULAWESI 7 64,445,662,103,913.30 3.26 53,406,894,156,623.20 1.94 123,545,426,206,157.00 3.95 153,500,810,878,133.00 4.33 16,360,001,161,832.10 2.25

OTHER ISLANDS 8 65,589,745,726,182.70 3.32 317,201,596,012,869.00 11.50 96,893,588,579,564.60 3.10 125,612,350,226,111.00 3.54 34,340,741,542,127.20 4.72

1,974,309,314,677,060.00 100.00 2,758,269,954,051,520.00 100.00 3,128,409,723,848,080.00 100.00 3,548,422,344,438,400.00 100.00 727,575,486,024,519.00 100.00

U/Y 2016

As At 30/06/2016

National Aggregate Exposure By Cresta Zone

T O T A L

U/Y 2015Cresta Zone

U/Y 2014U/Y 2012 U/Y 2013


31


National Aggregate Exposure By Cresta ZoneAs at 30 June 2016

(In Billion IDR)

-

20,000,000.00

40,000,000.00

60,000,000.00

80,000,000.00

100,000,000.00

120,000,000.00

140,000,000.00

160,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

North Sumatera

-

50,000,000.00

100,000,000.00

150,000,000.00

200,000,000.00

250,000,000.00

300,000,000.00

350,000,000.00

400,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

South Sumatera

-

500,000,000.00

1,000,000,000.00

1,500,000,000.00

2,000,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

DKI & West Java

-

100,000,000.00

200,000,000.00

300,000,000.00

400,000,000.00

500,000,000.00

600,000,000.00

700,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

DIY & Central Java

-

50,000,000.00

100,000,000.00

150,000,000.00

200,000,000.00

250,000,000.00

300,000,000.00

350,000,000.00

400,000,000.00

450,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

East Java

-

20,000,000.00

40,000,000.00

60,000,000.00

80,000,000.00

100,000,000.00

120,000,000.00

140,000,000.00

160,000,000.00

180,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Kalimantan

-

20,000,000.00

40,000,000.00

60,000,000.00

80,000,000.00

100,000,000.00

120,000,000.00

140,000,000.00

160,000,000.00

180,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Sulawesi

-

50,000,000.00

100,000,000.00

150,000,000.00

200,000,000.00

250,000,000.00

300,000,000.00

350,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Other Islands


32



AGRICULTURAL A 23,543,592,772,030.10 1.19 25,959,872,979,597.60 0.94 22,680,577,973,934.20 0.72 24,272,759,308,636.30 0.68 4,284,400,692,502.40 0.59

COMMERCIAL C 458,553,032,623,053.00 23.23 997,263,063,430,009.00 36.16 745,326,562,404,427.00 23.82 1,156,994,601,212,960.00 32.61 185,061,294,025,596.00 25.44

INDUSTRIAL I 1,261,133,480,936,090.00 63.88 1,417,513,943,627,160.00 51.39 1,975,030,012,455,890.00 63.13 2,001,960,758,686,080.00 56.42 442,466,471,907,245.00 60.81

RESIDENTIAL R 231,079,208,345,890.00 11.70 317,533,074,014,750.00 11.51 385,372,571,013,830.00 12.32 365,194,225,230,728.00 10.29 95,763,319,399,175.90 13.16

1,974,309,314,677,060.00 100.00 2,758,269,954,051,520.00 100.00 3,128,409,723,848,080.00 100.00 3,548,422,344,438,400.00 100.00 727,575,486,024,520.00 100.00

As At 30/06/2016

National Aggregate Exposure By Occupation

T O T A L

U/Y 2014 U/Y 2015 U/Y 2016

in IDR

U/Y 2012 U/Y 2013

Table 2.2

Occupation


33


( In Billion IDR )

National Aggregate Exposure By OccupationAs at 30 June 2016

-

5,000,000.00

10,000,000.00

15,000,000.00

20,000,000.00

25,000,000.00

30,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Agricultural

-

200,000,000.00

400,000,000.00

600,000,000.00

800,000,000.00

1,000,000,000.00

1,200,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Commercial

-

500,000,000.00

1,000,000,000.00

1,500,000,000.00

2,000,000,000.00

2,500,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Industrial

-

50,000,000.00

100,000,000.00

150,000,000.00

200,000,000.00

250,000,000.00

300,000,000.00

350,000,000.00

400,000,000.00

450,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Residential


34


Table 2.3


Building 804,253,454,182,134.00 40.74 1,048,103,719,961,540.00 38.00 1,292,872,858,709,670.00 41.33 1,817,260,998,372,110.00 51.21 311,030,690,785,728.00 42.75

Machinery 395,827,439,843,955.00 20.05 452,114,423,176,479.00 16.39 603,327,688,741,980.00 19.29 632,515,082,207,583.00 17.83 140,214,354,980,716.00 19.27

Others 309,558,014,684,274.00 15.68 474,256,768,018,844.00 17.19 399,655,358,197,548.00 12.78 401,371,613,924,003.00 11.31 110,945,132,728,311.00 15.25

Stock 281,044,029,821,749.00 14.24 337,440,100,164,406.00 12.23 539,847,067,624,635.00 17.26 413,383,614,205,751.00 11.65 93,140,194,609,538.00 12.80

Bussiness Interruption 183,626,376,144,946.00 9.30 446,354,942,730,248.00 16.18 292,706,750,574,244.00 9.36 283,891,035,728,962.00 8.00 72,245,112,920,226.90 9.93

T O T A L 1,974,309,314,677,060.00 100.00 2,758,269,954,051,520.00 100.00 3,128,409,723,848,080.00 100.00 3,548,422,344,438,400.00 100.00 727,575,486,024,520.00 100.00

National Aggregate Exposure By Interest

In IDR

InterestU/Y 2016U/Y 2014 U/Y 2015

As At 30/06/2016

U/Y 2012 U/Y 2013


35


National Aggregate Exposure By Interest As at 30 June 2016

( In Billion IDR )

-

200,000,000.00

400,000,000.00

600,000,000.00

800,000,000.00

1,000,000,000.00

1,200,000,000.00

1,400,000,000.00

1,600,000,000.00

1,800,000,000.00

2,000,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Building

-

100,000,000.00

200,000,000.00

300,000,000.00

400,000,000.00

500,000,000.00

600,000,000.00

700,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Machinery

-

50,000,000.00

100,000,000.00

150,000,000.00

200,000,000.00

250,000,000.00

300,000,000.00

350,000,000.00

400,000,000.00

450,000,000.00

500,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Stock

-

100,000,000.00

200,000,000.00

300,000,000.00

400,000,000.00

500,000,000.00

600,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Others

-

50,000,000.00

100,000,000.00

150,000,000.00

200,000,000.00

250,000,000.00

300,000,000.00

350,000,000.00

400,000,000.00

450,000,000.00

500,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Business Interruption


36


Table 2.4

In IDR


01. NAD IDN_AC 8,330,895,104,607.12 0.42 9,115,117,293,870.24 0.33 10,810,796,944,788.80 0.35 14,404,824,282,123.70 0.41 2,133,410,954,207.05 0.29

02. SUMATERA UTARA IDN_SU 75,442,661,983,736.50 3.82 93,234,191,577,849.50 3.38 106,291,994,506,835.00 3.40 129,295,228,292,296.00 3.64 22,207,086,171,746.30 3.05

03. SUMATERA BARAT IDN_SB 27,133,363,706,752.40 1.37 37,408,675,643,449.00 1.36 41,844,559,004,614.60 1.34 49,291,429,456,060.70 1.39 6,471,087,738,551.61 0.89

04. RIAU IDN_RI 33,319,463,443,743.90 1.69 48,616,295,888,536.50 1.76 59,039,144,113,315.80 1.89 130,343,092,784,937.00 3.67 13,800,995,109,011.40 1.90

05. JAMBI IDN_JA 11,004,536,229,073.80 0.56 11,023,626,175,121.30 0.40 12,135,295,796,438.10 0.39 13,347,780,061,572.20 0.38 1,808,595,641,751.77 0.25

06. SUMATERA SELATAN IDN_SS 40,908,911,211,970.40 2.07 40,741,056,029,464.90 1.48 50,090,555,053,868.40 1.60 66,870,441,181,208.50 1.88 6,141,582,382,227.57 0.84

07. BENGKULU IDN_BE 4,460,385,210,968.84 0.23 4,907,450,466,451.64 0.18 5,727,026,773,036.30 0.18 4,836,051,236,717.56 0.14 1,055,065,311,955.32 0.15

08. LAMPUNG IDN_LA 28,324,556,957,773.60 1.43 26,872,315,851,936.00 0.97 39,153,517,104,913.10 1.25 46,430,449,559,802.80 1.31 15,786,592,179,170.60 2.17

09. KEP BANGKA-BELITUNG IDN_BB 3,776,611,255,319.56 0.19 4,513,635,596,734.47 0.16 6,140,760,416,290.51 0.20 6,598,027,645,730.98 0.19 709,788,562,531.02 0.10

10. KEPULAUAN RIAU IDN_KR 23,717,827,478,743.10 1.20 27,288,848,116,828.10 0.99 38,962,262,634,430.30 1.25 43,897,840,802,438.20 1.24 18,023,718,493,673.90 2.48

11. JAKARTA IDN_JK 400,177,640,620,151.00 20.27 435,498,377,729,793.00 15.79 658,917,880,791,553.00 21.06 603,665,395,916,498.00 17.01 127,948,814,292,811.00 17.59

12. JAWA BARAT IDN_JB 456,402,985,831,360.00 23.12 716,897,849,502,064.00 25.99 792,019,285,433,894.00 25.32 676,496,161,300,846.00 19.06 196,562,880,018,594.00 27.02

13. JAWA TENGAH IDN_JT 107,599,540,093,588.00 5.45 142,775,561,062,354.00 5.18 152,245,632,818,042.00 4.87 183,731,200,618,310.00 5.18 45,540,135,508,456.10 6.26

14. DIY IDN_YO 11,645,215,567,402.70 0.59 11,514,493,173,978.70 0.42 21,750,908,228,816.40 0.70 399,544,177,283,318.00 11.26 4,136,044,024,078.07 0.57

15. JAWA TIMUR IDN_JI 293,292,634,894,452.00 14.86 367,428,600,672,331.00 13.32 417,009,822,442,438.00 13.33 424,710,449,665,646.00 11.97 79,989,714,949,429.20 10.99

16. BANTEN IDN_BT 217,265,948,079,530.00 11.00 281,440,976,161,095.00 10.20 352,951,901,088,285.00 11.28 317,784,642,709,884.00 8.96 98,999,604,838,626.60 13.61

17. BALI IDN_BA 50,307,484,051,839.30 2.55 301,864,798,240,497.00 10.94 74,035,710,292,761.40 2.37 98,088,831,940,924.60 2.76 27,103,787,246,733.00 3.73

18. NUSA TENGGARA BARAT IDN_NB 3,872,366,415,500.33 0.20 4,538,280,637,473.73 0.16 8,214,426,948,563.84 0.26 8,685,469,646,549.46 0.24 2,155,144,951,750.88 0.30

19. NUSA TENGGARA TIMUR IDN_NT 2,139,957,825,720.15 0.11 1,785,490,948,774.98 0.06 2,570,872,260,581.01 0.08 3,059,676,570,048.89 0.09 472,373,766,401.83 0.06

20. KALIMANTAN BARAT IDN_KB 6,322,259,558,617.00 0.32 8,017,177,165,884.02 0.29 13,327,127,449,506.20 0.43 11,685,803,975,370.80 0.33 1,506,234,031,634.04 0.21

21. KALIMANTAN TENGAH IDN_KT 11,800,058,892,551.60 0.60 17,179,626,505,757.70 0.62 23,794,008,903,213.00 0.76 26,982,622,767,472.50 0.76 1,252,718,556,190.84 0.17

22. KALIMANTAN SELATAN IDN_KS 14,661,265,575,615.70 0.74 37,224,639,834,420.90 1.35 32,840,961,867,321.30 1.05 36,973,230,366,363.30 1.04 10,065,382,790,485.60 1.38

23. KALIMANTAN TIMUR IDN_KI 68,687,145,151,006.50 3.48 65,962,949,434,104.60 2.39 72,922,396,690,759.90 2.33 81,614,202,757,818.50 2.30 21,841,821,801,356.50 3.00

24. SULAWESI UTARA IDN_SA 11,251,956,214,549.50 0.57 16,537,718,338,746.10 0.60 15,997,680,972,442.90 0.51 18,179,266,869,301.80 0.51 3,452,501,472,827.63 0.47

25. SULAWESI TENGAH IDN_ST 2,137,386,276,386.25 0.11 4,299,959,759,307.53 0.16 3,848,534,873,989.42 0.12 8,240,704,815,819.12 0.23 1,811,404,691,538.95 0.25

26. SULAWESI SELATAN IDN_SN 26,808,326,792,795.70 1.36 27,614,123,309,509.10 1.00 93,647,146,280,532.70 2.99 104,737,113,089,608.00 2.95 9,242,954,434,661.20 1.27

27. SULAWESI TENGGARA IDN_SG 9,055,150,591,377.57 0.46 1,532,900,623,593.63 0.06 4,278,354,002,317.50 0.14 16,500,053,744,979.20 0.46 1,089,570,149,491.65 0.15

28. GORONTALO IDN_GO 14,073,410,601,299.70 0.71 2,135,292,082,312.58 0.08 2,742,222,995,389.40 0.09 2,672,213,830,619.12 0.08 365,491,481,968.07 0.05

29. SULAWESI BARAT IDN_SR 1,119,431,627,504.72 0.06 1,286,900,043,154.22 0.05 3,031,487,081,485.09 0.10 3,171,458,527,805.18 0.09 398,078,931,344.58 0.05

30. MALUKU IDN_MA 1,327,598,149,671.43 0.07 1,909,832,567,995.64 0.07 2,560,734,786,547.66 0.08 2,832,110,722,344.72 0.08 1,013,321,838,624.36 0.14

31. MALUKU UTARA IDN_MU 805,164,815,352.22 0.04 576,028,585,138.84 0.02 996,579,046,347.49 0.03 1,515,252,075,112.12 0.04 330,283,738,836.76 0.05

32. PAPUA BARAT IDN_PB 3,465,126,538,532.94 0.18 2,613,581,243,092.17 0.09 2,880,973,709,319.36 0.09 3,929,492,625,062.38 0.11 580,356,611,847.23 0.08

33. PAPUA IDN_PA 3,672,047,929,566.26 0.19 3,913,583,789,896.27 0.14 5,634,291,535,443.88 0.18 7,501,516,646,068.73 0.21 2,685,473,387,933.19 0.37

34. KALIMANTAN UTARA IDN_KU 0.00 0.00 0.00 0.00 -5,129,000,000.00 0.00 806,130,669,747.37 0.02 893,469,964,071.76 0.12

T O T A L 1,974,309,314,677,060.00 100.00 2,758,269,954,051,520.00 100.00 3,128,409,723,848,080.00 100.00 3,548,422,344,438,410.00 100.00 727,575,486,024,519.00 100.00

National Aggregate Exposure By Province

As At 30/06/2016

Cresta IDU/Y 2012 U/Y 2013 U/Y 2014 U/Y 2016U/Y 2015

Province


37


Table 2.5


Com: Steel‎, ‎Wood‎, ‎RC‎ ‎≤‎‎‎9 ‎storeys 1,739,527,939,566,750.00 88.11 2,541,715,092,338,810.00 92.15 2,808,134,900,632,280.00 89.76 3,146,310,687,109,130.00 88.67 641,964,886,389,020.00 88.23

Com: Steel‎, ‎Wood‎, ‎RC‎ ‎> ‎9 ‎storeys 194,626,317,263,428.00 9.86 176,216,578,520,602.00 6.39 263,785,998,439,370.00 8.43 347,120,974,293,335.00 9.78 66,173,824,453,029.50 9.10

Com: Others 5,130,184,640,992.94 0.26 4,717,455,319,853.24 0.17 1,469,117,485,416.91 0.05 2,481,945,871,472.95 0.07 26,620,640,235.00 0.00

DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3

‎storeys

34,953,829,564,810.70 1.77 35,581,547,742,857.50 1.29 54,905,503,646,963.20 1.76 52,470,272,783,559.20 1.48 19,398,659,642,234.60 2.67

DW: ‎Others 71,043,641,075.00 0.00 39,280,129,388.00 0.00 114,203,644,055.00 0.00 38,464,380,910.00 0.00 11,494,900,000.00 0.00

T O T A L 1,974,309,314,677,060.00 100.00 2,758,269,954,051,520.00 100.00 3,128,409,723,848,080.00 100.00 3,548,422,344,438,400.00 100.00 727,575,486,024,519.00 100.00

National Aggregate Exposure By Class Construction

As At 30/06/2016

In IDR

Class ConstructionU/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 U/Y 2016

DEFINISI Konstruksi Commercial Objek pertanggungan dengan kode okupasi selain rumah tinggal (Kode Okupasi selain 2976) Com: Steel, Wood, RC ≤ 9 Konstruksi bangunan menggunakan rangka Baja, Kayu, Beton Bertulang, dengan jumlah lantai sampai dengan 9 lantai Com: Steel, Wood, RC > 9 Konstruksi bangunan menggunakan rangka Baja, Kayu, Beton Bertulang, dengan jumlah lantai lebih dari 9 lantai Com: Others Konstruksi bangunan tanpa menggunakan rangka Baja, Kayu, dan Beton Bertulang Dwelling House Objek pertanggungan rumah tinggal dengan kode okupasi 2976 (Semua kelas konstruksi) DW: Steel, Wood, RC Konstruksi rumah tinggal yang menggunakan rangka Baja, Kayu, Beton Bertulang DW: Others Konstruksi rumah tinggal tanpa menggunakan rangka Baja, Kayu,dan Beton Bertulang


38


National Aggregate Exposure By Class ConstructionAs at 30 June 2016

(in Billion IDR)

-

500,000,000.00

1,000,000,000.00

1,500,000,000.00

2,000,000,000.00

2,500,000,000.00

3,000,000,000.00

3,500,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Com: Steel‎, ‎Wood‎, ‎RC‎‎≤ ‎9 ‎storeys

-

50,000,000.00

100,000,000.00

150,000,000.00

200,000,000.00

250,000,000.00

300,000,000.00

350,000,000.00

400,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Com: Steel‎, ‎Wood‎, ‎RC‎‎> ‎9 ‎storeys

-

1,000,000.00

2,000,000.00

3,000,000.00

4,000,000.00

5,000,000.00

6,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Com: Others

-

10,000,000.00

20,000,000.00

30,000,000.00

40,000,000.00

50,000,000.00

60,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3 ‎storeys

-

20,000.00

40,000.00

60,000.00

80,000.00

100,000.00

120,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

DW: ‎Others


39


Tabel 3.1 dalam Rupiah

U/Y 2012 U/Y 2013

Jumlah % Jumlah % Jumlah % Jumlah % Jumlah %

BANDA ACEH 1.1 7,358,293,470.29 0.27 8,793,701,049.39 0.19 13,175,727,569.19 0.26 11,785,599,285.02 0.23 582,199,018.41 0.06

MEDAN 1.2 49,827,911,349.22 1.83 65,223,188,467.82 1.44 72,239,187,422.85 1.45 97,225,437,051.47 1.87 24,267,967,170.29 2.62

OTHERS 1.3 52,403,810,973.16 1.93 76,015,361,701.04 1.68 94,567,523,054.24 1.90 126,734,201,855.26 2.44 11,551,033,182.44 1.25

NORTH SUMATERA 1 109,590,015,792.67 4.03 150,032,251,218.25 3.31 179,982,438,046.28 3.61 235,745,238,191.75 4.55 36,401,199,371.14 3.93

PADANG 2.1 35,946,417,129.86 1.32 52,486,316,668.76 1.16 58,718,139,431.00 1.18 70,819,531,809.72 1.37 8,736,272,197.04 0.94

PALEMBANG 2.2 17,787,082,345.65 0.65 24,543,573,931.00 0.54 23,252,717,000.77 0.47 36,572,926,437.13 0.71 3,150,570,456.83 0.34

OTHERS 2.3 156,352,267,409.20 5.75 195,095,364,770.60 4.31 264,930,167,745.64 5.32 407,664,855,919.00 7.86 65,113,224,566.56 7.04

SOUTH SUMATERA 2 210,085,766,884.71 7.72 272,125,255,370.36 6.01 346,901,024,177.41 6.96 515,057,314,165.85 9.93 77,000,067,220.43 8.32

JAKARTA 3.1 600,168,864,300.49 22.05 701,981,021,509.03 15.50 1,073,263,352,012.98 21.54 951,905,134,288.47 18.35 186,487,644,888.00 20.16

BANDUNG 3.2 16,558,379,845.44 0.61 16,529,374,668.67 0.36 19,254,064,602.35 0.39 28,163,366,145.05 0.54 7,670,076,939.60 0.83

OTHERS 3.3 967,810,413,315.05 35.56 1,693,953,972,756.56 37.40 2,013,038,160,095.69 40.41 1,467,153,062,779.34 28.29 373,233,139,047.43 40.34

WEST JAVA 3 1,584,537,657,460.98 58.23 2,412,464,368,934.26 53.26 3,105,555,576,711.02 62.33 2,447,221,563,212.86 47.19 567,390,860,875.03 61.32

SEMARANG 4.1 8,914,059,462.70 0.33 11,848,913,643.96 0.26 12,202,049,078.47 0.24 15,651,806,441.84 0.30 1,944,263,732.23 0.21

YOGYAKARTA 4.2 14,164,989,798.35 0.52 13,359,528,097.89 0.29 21,779,543,027.53 0.44 674,987,543,541.51 13.01 4,247,908,254.61 0.46

OTHERS 4.3 128,804,438,779.71 4.73 186,340,867,155.20 4.11 215,485,150,196.70 4.33 234,935,854,063.27 4.53 62,541,316,916.86 6.76

CENTRAL JAVA 4 151,883,488,040.76 5.58 211,549,308,897.05 4.67 249,466,742,302.70 5.01 925,575,204,046.62 17.85 68,733,488,903.70 7.43

SURABAYA 5.1 65,676,958,636.45 2.41 220,165,202,017.78 4.86 106,515,986,624.73 2.14 85,971,069,109.68 1.66 17,918,094,212.23 1.94

OTHERS 5.2 314,183,075,268.54 11.54 342,468,451,316.90 7.56 498,107,485,090.33 10.00 420,043,509,708.71 8.10 62,484,450,462.93 6.75

EAST JAVA 5 379,860,033,904.99 13.96 562,633,653,334.68 12.42 604,623,471,715.06 12.14 506,014,578,818.39 9.76 80,402,544,675.16 8.69

KALIMANTAN 6 93,906,401,358.81 3.45 133,815,627,170.69 2.95 148,586,792,650.71 2.98 142,758,067,473.81 2.75 26,711,781,281.92 2.89

UJUNG PANDANG 7.1 9,998,687,306.13 0.37 14,247,083,505.40 0.31 28,032,235,030.75 0.56 17,703,152,061.96 0.34 3,369,143,477.84 0.36

OTHERS 7.2 82,776,302,886.72 3.04 63,921,593,589.15 1.41 157,425,936,082.13 3.16 199,208,722,783.98 3.84 16,742,850,495.65 1.81

SULAWESI 7 92,774,990,192.85 3.41 78,168,677,094.55 1.73 185,458,171,112.88 3.72 216,911,874,845.94 4.18 20,111,993,973.49 2.17

OTHER ISLANDS 8 98,763,281,538.96 3.63 708,806,799,296.84 15.65 161,503,229,586.14 3.24 196,969,963,920.42 3.80 48,483,383,984.82 5.24

2,721,401,635,174.73 100.00 4,529,595,941,316.68 100.00 4,982,077,446,302.20 100.00 5,186,253,804,675.64 100.00 925,235,320,285.69 100.00

U/Y 2016

As At 30/06/2016

National Gross Premium By Cresta Zone

J U M L A H

U/Y 2015Cresta Zone

U/Y 2014


40


(in Billion IDR)

National Gross Premium By Cresta ZoneAs at 30 June 2016

-

50,000.00

100,000.00

150,000.00

200,000.00

250,000.00

UY 2012UY 2013UY 2014UY 2015UY 2016

North Sumatera

-

100,000.00

200,000.00

300,000.00

400,000.00

500,000.00

600,000.00

UY 2012UY 2013UY 2014UY 2015UY 2016

South Sumatera

- 500,000.00

1,000,000.00 1,500,000.00 2,000,000.00 2,500,000.00 3,000,000.00 3,500,000.00

UY2012

UY2013

UY2014

UY2015

UY2016

West Java

-

200,000.00

400,000.00

600,000.00

800,000.00

1,000,000.00

UY2012

UY2013

UY2014

UY2015

UY2016

Central Java

-

100,000.00

200,000.00

300,000.00

400,000.00

500,000.00

600,000.00

700,000.00

UY 2012UY 2013UY 2014UY 2015UY 2016

East Java

-

50,000.00

100,000.00

150,000.00

200,000.00

UY 2012UY 2013UY 2014UY 2015UY 2016

Kalimantan

-

50,000.00

100,000.00

150,000.00

200,000.00

250,000.00

UY 2012UY 2013UY 2014UY 2015UY 2016

Sulawesi

-

200,000.00

400,000.00

600,000.00

800,000.00

UY 2012UY 2013UY 2014UY 2015UY 2016

Other Islands


41


dalam Rupiah

U/Y 2012 U/Y 2013


AGRIKULTURAL A 29,419,229,652.86 1.08 35,250,816,165.82 0.78 29,149,815,450.64 0.59 29,683,728,427.87 0.57 5,495,439,851.01 0.59

KOMERSIAL C 658,376,861,883.61 24.19 1,811,968,360,691.29 40.00 1,118,227,459,156.76 22.45 1,795,033,569,542.69 34.61 242,709,631,265.67 26.23

INDUSTRIAL I 1,686,073,034,503.53 61.96 2,207,809,139,946.27 48.74 3,219,326,810,662.98 64.62 2,816,715,072,071.75 54.31 541,797,006,182.77 58.56

RESIDENSIAL R 347,532,509,134.70 12.77 474,567,624,513.30 10.48 615,373,361,031.83 12.35 544,821,434,633.33 10.51 135,233,242,986.23 14.62

2,721,401,635,174.70 100.00 4,529,595,941,316.68 100.00 4,982,077,446,302.21 100.00 5,186,253,804,675.64 100.00 925,235,320,285.68 100.00

As At 30/06/2016

National Gross Premium By Occupation

J U M L A H

U/Y 2015 U/Y 2016

Tabel 3.2

OkupasiU/Y 2014


42


( In Billion IDR )

2010

2010

National Gross Premium By OccupationAs at 30 June 2016

-

5,000.00

10,000.00

15,000.00

20,000.00

25,000.00

30,000.00

35,000.00

40,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Agricultural

-

200,000.00

400,000.00

600,000.00

800,000.00

1,000,000.00

1,200,000.00

1,400,000.00

1,600,000.00

1,800,000.00

2,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Commercial

-

500,000.00

1,000,000.00

1,500,000.00

2,000,000.00

2,500,000.00

3,000,000.00

3,500,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Industrial

-

100,000.00

200,000.00

300,000.00

400,000.00

500,000.00

600,000.00

700,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Residential


43


dalam Rupiah

U/Y 2012 U/Y 2013


Building 1,110,027,655,907.59 40.79 1,631,981,512,004.27 36.03 2,041,387,242,051.95 40.97 2,755,055,243,634.48 53.12 404,535,416,133.56 43.72

Machinery 540,320,539,481.35 19.85 694,821,496,804.37 15.34 953,194,517,088.02 19.13 894,039,144,353.14 17.24 172,362,113,448.18 18.63

Others 452,829,438,466.93 16.64 790,160,534,480.71 17.44 616,273,457,511.43 12.37 569,743,264,033.66 10.99 137,982,254,373.73 14.91

Stock 377,163,988,249.75 13.86 509,522,847,757.30 11.25 892,474,064,327.38 17.91 562,832,342,606.76 10.85 118,107,140,015.11 12.77

Bussiness Interruption 241,060,013,069.09 8.86 903,109,550,270.02 19.94 478,748,165,323.42 9.61 404,583,810,047.60 7.80 92,248,396,315.09 9.97

2,721,401,635,174.71 100.00 4,529,595,941,316.67 100.00 4,982,077,446,302.20 100.00 5,186,253,804,675.64 100.00 925,235,320,285.67 100.00J U M L A H

National Gross Premium By Interest

As At 30/06/2016

Tabel 3.3

OkupasiU/Y 2014 U/Y 2015 U/Y 2016


44


National Gross Premium By Interest As at 30 June 2016

( In Billion IDR )

-

500,000.00

1,000,000.00

1,500,000.00

2,000,000.00

2,500,000.00

3,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Building

-

200,000.00

400,000.00

600,000.00

800,000.00

1,000,000.00

1,200,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Machinery

-

100,000.00

200,000.00

300,000.00

400,000.00

500,000.00

600,000.00

700,000.00

800,000.00

900,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Others

-

100,000.00

200,000.00

300,000.00

400,000.00

500,000.00

600,000.00

700,000.00

800,000.00

900,000.00

1,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Stock

-

100,000.00

200,000.00

300,000.00

400,000.00

500,000.00

600,000.00

700,000.00

800,000.00

900,000.00

1,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Business Interruption


45


Tabel 3.4

dalam Rupiah


01. NAD IDN_AC 12,528,481,214.65 0.46 16,248,179,341.27 0.36 21,156,227,723.45 0.42 28,542,465,121.82 0.55 3,831,187,386.32 0.41

02. SUMATERA UTARA IDN_SU 97,061,534,578.02 3.57 133,784,071,876.98 2.95 158,826,210,322.83 3.19 207,202,773,069.92 4.00 32,570,011,984.82 3.52

03. SUMATERA BARAT IDN_SB 48,783,925,164.28 1.79 71,374,768,387.71 1.58 80,569,034,418.57 1.62 96,539,586,683.86 1.86 11,817,051,639.45 1.28

04. RIAU IDN_RI 35,299,197,912.01 1.30 56,970,960,860.70 1.26 68,237,741,754.51 1.37 187,928,221,808.09 3.62 16,797,809,602.46 1.82

05. JAMBI IDN_JA 10,915,221,747.41 0.40 12,503,224,385.16 0.28 14,037,376,432.43 0.28 16,218,024,920.25 0.31 2,105,444,234.85 0.23

06. SUMATERA SELATAN IDN_SS 42,667,530,496.39 1.57 47,956,576,539.54 1.06 63,016,691,486.06 1.26 83,663,567,291.63 1.61 7,477,297,995.23 0.81

07. BENGKULU IDN_BE 8,307,289,514.39 0.31 9,919,463,583.07 0.22 11,700,354,562.11 0.23 9,162,242,772.88 0.18 1,921,037,712.70 0.21

08. LAMPUNG IDN_LA 40,036,126,531.07 1.47 41,048,588,970.66 0.91 61,285,434,048.68 1.23 72,534,991,279.11 1.40 22,600,880,292.26 2.44

09. KEP BANGKA-BELITUNG IDN_BB 3,403,314,549.65 0.13 4,388,908,764.44 0.10 6,015,313,432.53 0.12 5,994,802,745.37 0.12 594,565,228.90 0.06

10. KEPULAUAN RIAU IDN_KR 20,673,160,969.51 0.76 27,962,763,879.10 0.62 42,039,078,042.52 0.84 43,015,876,664.66 0.83 13,685,980,514.59 1.48

11. JAKARTA IDN_JK 600,168,864,300.49 22.05 701,981,021,509.03 15.50 1,073,263,352,012.98 21.54 951,905,134,288.47 18.35 186,487,644,888.00 20.16

12. JAWA BARAT IDN_JB 665,798,295,764.90 24.47 1,231,624,342,472.46 27.19 1,405,999,067,647.37 28.22 984,399,687,150.38 18.98 240,157,613,802.86 25.96

13. JAWA TENGAH IDN_JT 134,205,061,880.52 4.93 193,688,843,537.58 4.28 214,419,805,376.80 4.30 244,132,350,852.87 4.71 62,696,634,848.22 6.78

14. DIY IDN_YO 17,678,426,160.24 0.65 17,860,465,359.47 0.39 35,046,936,925.90 0.70 681,442,853,193.74 13.14 6,036,854,055.48 0.65

15. JAWA TIMUR IDN_JI 379,860,033,904.99 13.96 562,633,653,334.69 12.42 604,623,471,715.06 12.14 506,014,578,818.40 9.76 80,402,544,675.16 8.69

16. BANTEN IDN_BT 318,570,497,395.58 11.71 478,859,004,952.77 10.57 626,293,157,050.67 12.57 510,916,741,774.01 9.85 140,745,602,184.17 15.21

17. BALI IDN_BA 73,264,139,805.44 2.69 681,203,353,620.28 15.04 120,402,376,442.43 2.42 148,449,146,084.18 2.86 37,852,667,678.63 4.09

18. NUSA TENGGARA BARAT IDN_NB 7,167,883,678.98 0.26 8,855,521,003.67 0.20 15,050,397,851.28 0.30 16,048,076,661.30 0.31 3,105,169,636.41 0.34

19. NUSA TENGGARA TIMUR IDN_NT 3,302,437,014.52 0.12 2,885,273,869.13 0.06 4,312,594,404.18 0.09 4,964,288,616.87 0.10 654,835,366.90 0.07

20. KALIMANTAN BARAT IDN_KB 5,638,300,533.46 0.21 7,800,778,346.28 0.17 13,179,338,784.00 0.26 9,267,288,914.18 0.18 1,134,392,750.41 0.12

21. KALIMANTAN TENGAH IDN_KT 10,685,751,241.15 0.39 17,820,732,332.84 0.39 24,675,940,659.00 0.50 24,492,565,629.36 0.47 940,734,710.29 0.10

22. KALIMANTAN SELATAN IDN_KS 13,364,569,692.20 0.49 37,603,654,824.48 0.83 32,631,754,854.45 0.65 32,556,905,158.27 0.63 7,505,232,203.19 0.81

23. KALIMANTAN TIMUR IDN_KI 64,217,779,892.00 2.36 70,590,461,667.10 1.56 78,104,630,903.26 1.57 75,751,544,447.42 1.46 16,461,672,334.53 1.78

24. SULAWESI UTARA IDN_SA 21,150,115,186.79 0.78 34,254,606,338.33 0.76 32,968,981,537.61 0.66 34,008,300,664.92 0.66 5,416,574,740.77 0.59

25. SULAWESI TENGAH IDN_ST 3,376,340,442.68 0.12 7,058,167,480.59 0.16 6,429,170,184.65 0.13 15,015,104,992.32 0.29 3,305,242,889.70 0.36

26. SULAWESI SELATAN IDN_SN 27,825,514,830.73 1.02 28,522,763,153.53 0.63 131,813,160,424.80 2.65 141,617,493,232.18 2.73 8,403,291,071.23 0.91

27. SULAWESI TENGGARA IDN_SG 10,830,303,412.93 0.40 2,298,616,593.95 0.05 4,320,391,706.58 0.09 16,726,588,134.77 0.32 1,723,771,243.27 0.19

28. GORONTALO IDN_GO 27,916,176,981.64 1.03 4,107,043,397.25 0.09 5,369,868,537.19 0.11 5,129,714,175.05 0.10 688,365,873.30 0.07

29. SULAWESI BARAT IDN_SR 1,676,539,338.07 0.06 1,927,480,130.89 0.04 4,556,598,722.04 0.09 4,414,673,646.70 0.09 574,748,155.23 0.06

30. MALUKU IDN_MA 2,445,393,617.83 0.09 3,618,588,260.22 0.08 4,973,074,125.06 0.10 5,547,441,227.49 0.11 1,909,376,371.06 0.21

31. MALUKU UTARA IDN_MU 1,423,563,178.93 0.05 1,137,243,104.75 0.03 1,945,383,223.54 0.04 2,861,965,721.94 0.06 565,425,207.12 0.06

32. PAPUA BARAT IDN_PB 5,170,703,031.95 0.19 4,221,984,574.84 0.09 4,735,485,860.43 0.10 6,021,716,037.97 0.12 882,494,605.51 0.10

33. PAPUA IDN_PA 5,989,161,211.31 0.22 6,884,834,863.94 0.15 10,083,917,679.23 0.20 13,077,329,570.67 0.25 3,513,415,119.19 0.38

34. KALIMANTAN UTARA IDN_KU 0.00 0.00 0.00 0.00 -4,872,550.00 0.00 689,763,324.58 0.01 669,749,283.49 0.07

J U M L A H 2,721,401,635,174.71 100.00 4,529,595,941,316.70 100.00 4,982,077,446,302.20 100.00 5,186,253,804,675.63 100.00 925,235,320,285.70 100.00

National Gross Premium By Province

As At 30/06/2016

Cresta IDU/Y 2012 U/Y 2013 U/Y 2014 U/Y 2016U/Y 2015

Provinsi


46


dalam Rupiah

U/Y 2012 U/Y 2013


Com:‎Steel,‎Wood,‎RC‎≤‎9 2,356,558,868,485.26 86.59 4,180,746,563,901.94 92.30 4,442,446,084,211.43 89.17 4,547,205,075,140.72 87.68 802,919,376,481.46 86.78

Com: Steel, Wood, RC > 9 310,848,411,244.27 11.42 293,186,857,333.17 6.47 461,817,327,670.53 9.27 557,782,609,595.73 10.76 97,080,632,962.53 10.49

Com: Others 7,720,910,121.39 0.28 7,779,167,652.80 0.17 3,131,937,310.41 0.06 10,211,578,770.65 0.20 75,794,803.90 0.01

DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3 ‎storeys 46,107,110,228.00 1.69 47,776,638,989.11 1.05 74,309,683,061.62 1.49 70,946,915,666.08 1.37 25,132,699,577.79 2.72

DW: ‎Others 166,335,095.78 0.01 106,713,439.67 0.00 372,414,048.23 0.01 107,625,502.46 0.00 26,816,460.00 0.00

2,721,401,635,174.70 100.00 4,529,595,941,316.69 100.00 4,982,077,446,302.22 100.00 5,186,253,804,675.64 100.00 925,235,320,285.68 100.00J U M L A H

National Gross Premium By Class Construction

As At 30/06/2016

Tabel 3.5

Kelas KonstruksiU/Y 2014 U/Y 2015 U/Y 2016



47


National Gross Premium By Class ConstructionAs at 30 June 2016

(in Billion IDR)

-

500,000.00

1,000,000.00

1,500,000.00

2,000,000.00

2,500,000.00

3,000,000.00

3,500,000.00

4,000,000.00

4,500,000.00

5,000,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Com: Steel, Wood, RC ≤ 9

-

100,000.00

200,000.00

300,000.00

400,000.00

500,000.00

600,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Com: Steel, Wood, RC > 9

-

2,000.00

4,000.00

6,000.00

8,000.00

10,000.00

12,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Com: Others

-

10,000.00

20,000.00

30,000.00

40,000.00

50,000.00

60,000.00

70,000.00

80,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016


-

50.00

100.00

150.00

200.00

250.00

300.00

350.00

400.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

DW: ‎Others


48


Tabel 4.1


BANDA ACEH 1.1 591 0.34% 619 0.33% 629 0.27% 718 0.32% 177 0.33%

MEDAN 1.2 6,014 3.46% 6,621 3.49% 7,670 3.26% 7,725 3.42% 2,197 4.06%

OTHERS 1.3 4,665 2.68% 4,058 2.14% 5,713 2.43% 5,079 2.25% 1,106 2.04%

NORTH SUMATERA 1 11,270 6.48% 11,298 5.96% 14,012 5.96% 13,522 5.98% 3,480 6.42%

PADANG 2.1 10,881 6.26% 10,870 5.74% 13,038 5.54% 12,553 5.55% 4,008 7.40%

PALEMBANG 2.2 1,536 0.88% 1,879 0.99% 2,003 0.85% 2,271 1.00% 474 0.88%

OTHERS 2.3 17,450 10.04% 18,026 9.51% 22,947 9.75% 22,157 9.80% 6,119 11.30%

SOUTH SUMATERA 2 29,867 17.18% 30,775 16.24% 37,988 16.15% 36,981 16.36% 10,601 19.57%

JAKARTA 3.1 36,284 20.87% 47,690 25.16% 56,596 24.06% 51,072 22.59% 11,255 20.78%

BANDUNG 3.2 1,991 1.15% 2,131 1.12% 2,240 0.95% 2,670 1.18% 723 1.33%

OTHERS 3.3 36,740 21.14% 38,938 20.55% 49,958 21.23% 50,174 22.19% 11,698 21.59%

WEST JAVA 3 75,015 43.15% 88,759 46.83% 108,794 46.24% 103,916 45.97% 23,676 43.71%

SEMARANG 4.1 810 0.47% 921 0.49% 1,225 0.52% 1,132 0.50% 261 0.48%

YOGYAKARTA 4.2 2,314 1.33% 2,194 1.16% 2,673 1.14% 2,769 1.22% 675 1.25%

OTHERS 4.3 10,375 5.97% 10,553 5.57% 15,389 6.54% 15,596 6.90% 3,377 6.23%

CENTRAL JAVA 4 13,499 7.77% 13,668 7.21% 19,287 8.20% 19,497 8.62% 4,313 7.96%

SURABAYA 5.1 6,197 3.57% 6,256 3.30% 8,730 3.71% 6,730 2.98% 1,486 2.74%

OTHERS 5.2 7,852 4.52% 8,456 4.46% 12,371 5.26% 11,672 5.16% 2,561 4.73%

EAST JAVA 5 14,049 8.08% 14,712 7.76% 21,101 8.97% 18,402 8.14% 4,047 7.47%

KALIMANTAN 6 7,644 4.40% 7,069 3.73% 8,043 3.42% 7,460 3.30% 1,217 2.25%

UJUNG PANDANG 7.1 1,916 1.10% 2,059 1.09% 2,469 1.05% 2,846 1.26% 501 0.92%

OTHERS 7.2 6,228 3.58% 6,272 3.31% 6,572 2.79% 6,578 2.91% 1,385 2.56%

SULAWESI 7 8,144 4.69% 8,331 4.40% 9,041 3.84% 9,424 4.17% 1,886 3.48%

OTHER ISLANDS 8 14,339 8.25% 14,912 7.87% 17,009 7.23% 16,867 7.46% 4,951 9.14%

173,827 100% 189,524 100% 235,275 100% 226,069 100% 54,171 100%J U M L A H

Number Of Risk By Cresta Zone

As At 30/06/2016

Cresta ZoneU/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 U/Y 2016


49


Number of Risk By Cresta Zone As at 30 June 2016

-

5,000.00

10,000.00

15,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

North Sumatera

-

10,000.00

20,000.00

30,000.00

40,000.00

UY 2012UY 2013UY 2014UY 2015UY 2016

South Sumatera

-

20,000.00

40,000.00

60,000.00

80,000.00

100,000.00

120,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

West Java

-

5,000.00

10,000.00

15,000.00

20,000.00

25,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Central Java

-

5,000.00

10,000.00

15,000.00

20,000.00

25,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

East Java

-

2,000.00

4,000.00

6,000.00

8,000.00

10,000.00

UY 2012UY 2013UY 2014UY 2015UY 2016

Kalimantan

-

2,000.00

4,000.00

6,000.00

8,000.00

10,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Sulawesi

-

5,000.00

10,000.00

15,000.00

20,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Other Islands


50


Tabel 4.2

U/Y 2012 % U/Y 2013 % U/Y 2014 % U/Y 2015 % U/Y 2016 %

AGRIKULTURAL A 420 0.24 535 0.28 753 0.32 390 0.17 189 0.35

KOMERSIAL C 94,595 54.42 100,683 53.12 124,558 52.94 123,845 54.78 25,085 46.31

INDUSTRIAL I 17,199 9.89 18,433 9.73 18,903 8.03 17,165 7.59 4,236 7.82

RESIDENSIAL R 61,613 35.45 69,873 36.87 91,061 38.70 84,669 37.45 24,661 45.52

173,827 100.00 189,524 100.00 235,275 100.00 226,069 100.00 54,171 100.00

Number Of Risk By Occupation

J U M L A H

Okupasi

As At 30/06/2016


51


Number of Risk By OccupationAs at 30 June 2016

-

100.00

200.00

300.00

400.00

500.00

600.00

700.00

800.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Agricultural

-

20,000.00

40,000.00

60,000.00

80,000.00

100,000.00

120,000.00

140,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Commercial

-

2,000.00

4,000.00

6,000.00

8,000.00

10,000.00

12,000.00

14,000.00

16,000.00

18,000.00

20,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Industrial

-

10,000.00

20,000.00

30,000.00

40,000.00

50,000.00

60,000.00

70,000.00

80,000.00

90,000.00

100,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Residential


52


Tabel 4.3

U/Y 2012 % U/Y 2013 % U/Y 2014 % U/Y 2015 % U/Y 2016 %

Com:‎Steel,‎Wood,‎RC‎≤‎9 122,066 70.22 139,851 73.79 162,962 69.26 170,303 75.33 38,104 70.34

Com: Steel, Wood, RC > 9 5,614 3.23 5,220 2.75 22,185 9.43 10,116 4.47 1,829 3.38

Com: Others 10,410 5.99 10,115 5.34 1,657 0.70 907 0.40 12 0.02

DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3 ‎storeys 35,562 20.46 34,242 18.07 48,173 20.48 44,650 19.75 14,212 26.24

DW: ‎Others 175 0.10 96 0.05 298 0.13 93 0.04 14 0.03

173,827 100.00 189,524 100.00 235,275 100.00 226,069 100.00 54,171 100.00

Number Of Risk By Class Construction

As At 30/06/2016

Kelas Konstruksi

J U M L A H



53


Number of Risk By Class ConstructionAs at 30 June 2016

0

50000

100000

150000

200000

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Com: Steel, Wood, RC ≤ 9

0

5000

10000

15000

20000

25000

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Com: Steel, Wood, RC > 9

0

2000

4000

6000

8000

10000

12000

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Com: Others

0

10000

20000

30000

40000

50000

60000

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016


0

50

100

150

200

250

300

350

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

DW: ‎Others


54


Tabel 4.4


01. NAD IDN_AC 1,934.00 1.11 1,652.00 0.87 1,986.00 0.84 1,920.00 0.85 514.00 0.95

02. SUMATERA UTARA IDN_SU 9,336.00 5.37 9,646.00 5.09 12,026.00 5.11 11,602.00 5.13 2,966.00 5.48

03. SUMATERA BARAT IDN_SB 15,501.00 8.92 15,639.00 8.25 17,987.00 7.65 17,469.00 7.73 5,842.00 10.78

04. RIAU IDN_RI 3,529.00 2.03 3,565.00 1.88 4,380.00 1.86 4,458.00 1.97 1,042.00 1.92

05. JAMBI IDN_JA 1,667.00 0.96 1,940.00 1.02 2,459.00 1.05 2,158.00 0.95 944.00 1.74

06. SUMATERA SELATAN IDN_SS 2,335.00 1.34 2,912.00 1.54 4,089.00 1.74 3,850.00 1.70 711.00 1.31

07. BENGKULU IDN_BE 2,119.00 1.22 1,847.00 0.97 2,249.00 0.96 2,335.00 1.03 594.00 1.10

08. LAMPUNG IDN_LA 3,028.00 1.74 3,082.00 1.63 4,355.00 1.85 4,233.00 1.87 905.00 1.67

09. KEP BANGKA-BELITUNG IDN_BB 523.00 0.30 491.00 0.26 821.00 0.35 684.00 0.30 161.00 0.30

10. KEPULAUAN RIAU IDN_KR 1,165.00 0.67 1,299.00 0.69 1,648.00 0.70 1,794.00 0.79 402.00 0.74

11. JAKARTA IDN_JK 36,284.00 20.87 47,690.00 25.16 56,596.00 24.06 51,072.00 22.59 11,255.00 20.78

12. JAWA BARAT IDN_JB 27,291.00 15.70 28,631.00 15.11 36,206.00 15.39 36,542.00 16.16 8,640.00 15.95

13. JAWA TENGAH IDN_JT 10,221.00 5.88 10,229.00 5.40 14,776.00 6.28 14,714.00 6.51 3,192.00 5.89

14. DIY IDN_YO 3,278.00 1.89 3,439.00 1.81 4,511.00 1.92 4,783.00 2.12 1,121.00 2.07

15. JAWA TIMUR IDN_JI 14,049.00 8.08 14,712.00 7.76 21,101.00 8.97 18,402.00 8.14 4,047.00 7.47

16. BANTEN IDN_BT 11,440.00 6.58 12,438.00 6.56 15,992.00 6.80 16,302.00 7.21 3,781.00 6.98

17. BALI IDN_BA 7,638.00 4.39 8,100.00 4.27 9,971.00 4.24 10,173.00 4.50 3,125.00 5.77

18. NUSA TENGGARA BARAT IDN_NB 1,488.00 0.86 1,365.00 0.72 1,840.00 0.78 1,613.00 0.71 577.00 1.07

19. NUSA TENGGARA TIMUR IDN_NT 971.00 0.56 764.00 0.40 615.00 0.26 605.00 0.27 181.00 0.33

20. KALIMANTAN BARAT IDN_KB 1,823.00 1.05 1,072.00 0.57 1,664.00 0.71 1,545.00 0.68 204.00 0.38

21. KALIMANTAN TENGAH IDN_KT 700.00 0.40 691.00 0.36 854.00 0.36 875.00 0.39 153.00 0.28

22. KALIMANTAN SELATAN IDN_KS 1,280.00 0.74 1,254.00 0.66 1,727.00 0.73 1,912.00 0.85 253.00 0.47

23. KALIMANTAN TIMUR IDN_KI 3,841.00 2.21 4,052.00 2.14 3,798.00 1.61 3,008.00 1.33 510.00 0.94

24. SULAWESI UTARA IDN_SA 1,877.00 1.08 1,859.00 0.98 2,292.00 0.97 2,497.00 1.10 552.00 1.02

25. SULAWESI TENGAH IDN_ST 1,231.00 0.71 1,314.00 0.69 997.00 0.42 1,165.00 0.52 239.00 0.44

26. SULAWESI SELATAN IDN_SN 3,194.00 1.84 3,408.00 1.80 4,314.00 1.83 4,401.00 1.95 754.00 1.39

27. SULAWESI TENGGARA IDN_SG 577.00 0.33 610.00 0.32 644.00 0.27 685.00 0.30 121.00 0.22

28. GORONTALO IDN_GO 1,011.00 0.58 829.00 0.44 592.00 0.25 490.00 0.22 161.00 0.30

29. SULAWESI BARAT IDN_SR 254.00 0.15 311.00 0.16 202.00 0.09 186.00 0.08 59.00 0.11

30. MALUKU IDN_MA 513.00 0.30 621.00 0.33 776.00 0.33 839.00 0.37 228.00 0.42

31. MALUKU UTARA IDN_MU 428.00 0.25 378.00 0.20 406.00 0.17 389.00 0.17 81.00 0.15

32. PAPUA BARAT IDN_PB 1,280.00 0.74 1,351.00 0.71 1,369.00 0.58 1,315.00 0.58 346.00 0.64

33. PAPUA IDN_PA 2,021.00 1.16 2,333.00 1.23 2,032.00 0.86 1,933.00 0.86 413.00 0.76

34. KALIMANTAN UTARA IDN_KU 0.00 0.00 0.00 0.00 0.00 0.00 120.00 0.05 97.00 0.18

J U M L A H 173,827.00 100.00 189,524.00 100.00 235,275.00 100.00 226,069.00 100.00 54,171.00 100.00

Number of Risk By Province

As At 30/06/2016

Cresta IDU/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 U/Y 2016

Provinsi


55


Tabel 5.1


BANDA ACEH 1.1 4 11% 6 38% 0 0% 0 0% 0 0%

MEDAN 1.2 8 21% 2 13% 0 0% 0 0% 0 0%

OTHERS 1.3 2 5% 0 0% 0 0% 1 3% 0 0%

NORTH SUMATERA 1 14 37% 8 50% 0 0% 1 3% 0 0%

PADANG 2.1 5 13% 0 0% 2 13% 0 0% 0 0%

PALEMBANG 2.2 0 0% 0 0% 0 0% 0 0% 0 0%

OTHERS 2.3 10 26% 1 6% 0 0% 3 8% 4 80%

SOUTH SUMATERA 2 15 39% 1 6% 2 13% 3 8% 4 80%

JAKARTA 3.1 0 0% 0 0% 0 0% 0 0% 1 20%

BANDUNG 3.2 1 3% 0 0% 0 0% 1 3% 0 0%

OTHERS 3.3 1 3% 1 6% 0 0% 4 11% 0 0%

WEST JAVA 3 2 5% 1 6% 0 0% 5 13% 1 20%

SEMARANG 4.1 0 0% 0 0% 0 0% 0 0% 0 0%

YOGYAKARTA 4.2 0 0% 0 0% 0 0% 1 3% 0 0%

OTHERS 4.3 0 0% 0 0% 0 0% 0 0% 0 0%

CENTRAL JAVA 4 0 0% 0 0% 0 0% 1 3% 0 0%

SURABAYA 5.1 0 0% 0 0% 0 0% 0 0% 0 0%

OTHERS 5.2 0 0% 0 0% 3 20% 2 5% 0 0%

EAST JAVA 5 0 0% 0 0% 3 20% 2 5% 0 0%

KALIMANTAN 6 0 0% 0 0% 0 0% 3 8% 0 0%

UJUNG PANDANG 7.1 0 0% 0 0% 0 0% 0 0% 0 0%

OTHERS 7.2 1 3% 3 19% 3 20% 0 0% 0 0%

SULAWESI 7 1 3% 3 19% 3 20% 0 0% 0 0%

OTHER ISLANDS 8 6 16% 3 19% 7 47% 23 61% 0 0%

38 100% 16 100% 15 100% 38 100% 5 100%J U M L A H

Claim Frequency by Cresta Zone

As At 30/06/2016

U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 U/Y 2016

Cresta Zone


56


Claim Frequency By Cresta Zone As at 30 June 2016

0

1

2

3

4

5

6

7

8

9

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

North Sumatera

0

0.5

1

1.5

2

2.5

3

3.5

4

4.5

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

South Sumatera

0

1

2

3

4

5

6

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

West Java

0

2

4

6

8

10

12

14

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Central Java

0

5

10

15

20

25

30

35

40

45

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

East Java

0

0.5

1

1.5

2

2.5

3

3.5

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Kalimantan

0

0.5

1

1.5

2

2.5

3

3.5

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Sulawesi

0

5

10

15

20

25

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Other Islands


57


Table 5.2

U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015 U/Y 2016

AGRICULTURAL / Agricultural A 0 0 0 0 0

COMMERCIAL / Commercial C 16 49 10 25 1

INDUSTRIAL / Industrial I 0 5 1 2 0

RESIDENTIAL / Residential R 2 8 4 11 4

18 62 15 38 21Jumlah / Total

Claim Frequency by Occupation

As At 30/06/2016

Okupasi / Occupation


58


( In Million IDR )

Claim By OccupationAs at 30 June 2016

-

0.10

0.20

0.30

0.40

0.50

0.60

0.70

0.80

0.90

1.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Agricultural

-

50,000.00

100,000.00

150,000.00

200,000.00

250,000.00

300,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Commercial

-

1,000.00

2,000.00

3,000.00

4,000.00

5,000.00

6,000.00

7,000.00

8,000.00

9,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Industrial

-

200.00

400.00

600.00

800.00

1,000.00

1,200.00

1,400.00

1,600.00

1,800.00

2,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Residential


59


Tabel 5.3

dalam Rupiah

U/Y 2012 U/Y 2013 U/Y 2014


01. NAD IDN_AC 8.00 44.44 2.00 3.23 0.00 0.00 1.00 2.63 0.00 0.00

02. SUMATERA UTARA IDN_SU 4.00 22.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

03. SUMATERA BARAT IDN_SB 0.00 0.00 2.00 3.23 2.00 13.33 2.00 5.26 4.00 80.00

04. RIAU IDN_RI 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

05. JAMBI IDN_JA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

06. SUMATERA SELATAN IDN_SS 0.00 0.00 0.00 0.00 0.00 0.00 1.00 2.63 0.00 0.00

07. BENGKULU IDN_BE 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

08. LAMPUNG IDN_LA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


10. KEPULAUAN RIAU IDN_KR 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11. JAKARTA IDN_JK 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.00 20.00

12. JAWA BARAT IDN_JB 0.00 0.00 1.00 1.61 0.00 0.00 5.00 13.16 0.00 0.00

13. JAWA TENGAH IDN_JT 0.00 0.00 1.00 1.61 0.00 0.00 0.00 0.00 0.00 0.00

14. DIY IDN_YO 0.00 0.00 5.00 8.06 0.00 0.00 1.00 2.63 0.00 0.00

15. JAWA TIMUR IDN_JI 0.00 0.00 49.00 79.03 3.00 20.00 2.00 5.26 0.00 0.00

16. BANTEN IDN_BT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17. BALI IDN_BA 3.00 16.67 0.00 0.00 1.00 6.67 1.00 2.63 0.00 0.00

18. NUSA TENGGARA BARAT IDN_NB 1.00 5.56 1.00 1.61 0.00 0.00 0.00 0.00 0.00 0.00


20. KALIMANTAN BARAT IDN_KB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


22. KALIMANTAN SELATAN IDN_KS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

23. KALIMANTAN TIMUR IDN_KI 0.00 0.00 0.00 0.00 0.00 0.00 3.00 7.89 0.00 0.00

24. SULAWESI UTARA IDN_SA 0.00 0.00 1.00 1.61 3.00 20.00 0.00 0.00 0.00 0.00

25. SULAWESI TENGAH IDN_ST 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

26. SULAWESI SELATAN IDN_SN 2.00 11.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


28. GORONTALO IDN_GO 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


30. MALUKU IDN_MA 0.00 0.00 0.00 0.00 0.00 0.00 2.00 5.26 0.00 0.00


32. PAPUA BARAT IDN_PB 0.00 0.00 0.00 0.00 5.00 33.33 17.00 44.74 0.00 0.00

33. PAPUA IDN_PA 0.00 0.00 0.00 0.00 1.00 6.67 3.00 7.89 0.00 0.00


J U M L A H 18.00 100.00 62.00 100.00 15.00 100.00 38.00 100.00 5.00 100.00

Claim Frequency by Province

As At 30/06/2016

ProvinsiU/Y 2015 U/Y 2016

Cresta ID


60


Table 5.4

U/Y 2012 U/Y 2013 U/Y 2014


BANDA ACEH 1.1 1,338,645,096.00 75.52 21,000,000.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00

MEDAN 1.2 14,936,201.00 0.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

OTHERS 1.3 0.00 0.00 0.00 0.00 0.00 0.00 73,970,453.00 0.48 0.00 0.00

NORTH SUMATERA 1 1,353,581,297.00 76.36 21,000,000.00 0.01 0.00 0.00 73,970,453.00 0.48 0.00 0.00

PADANG 2.1 0.00 0.00 6,710,774.00 0.00 17,491,400.00 1.89 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 28,314,000.00 1.60 3,997,822.00 0.00 0.00 0.00 1,020,000,000.00 6.58 0.00 0.00

SOUTH SUMATERA 2 28,314,000.00 1.60 10,708,596.00 0.00 17,491,400.00 1.89 1,020,000,000.00 6.58 0.00 0.00

JAKARTA 3.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANDUNG 3.2 0.00 0.00 22,511,000.00 0.01 0.00 0.00 50,000,000.00 0.32 0.00 0.00

OTHERS 3.3 17,438,200.00 0.98 0.00 0.00 0.00 0.00 1,267,824,079.50 8.18 1,100,000,000.00 25.66

WEST JAVA 3 17,438,200.00 0.98 22,511,000.00 0.01 0.00 0.00 1,317,824,079.50 8.50 1,100,000,000.00 25.66

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 0.00 0.00 1,623,236,421.00 0.60 0.00 0.00 1,262,250,000.00 8.14 0.00 0.00

OTHERS 4.3 0.00 0.00 7,391,016,709.83 2.71 0.00 0.00 0.00 0.00 0.00 0.00

CENTRAL JAVA 4 0.00 0.00 9,014,253,130.83 3.31 0.00 0.00 1,262,250,000.00 8.14 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 0.00 263,077,555,767.99 96.63 111,029,676.05 12.03 98,665,500.00 0.64 0.00 0.00

EAST JAVA 5 0.00 0.00 263,077,555,767.99 96.63 111,029,676.05 12.03 98,665,500.00 0.64 0.00 0.00

KALIMANTAN 6 0.00 0.00 0.00 0.00 0.00 0.00 8,380,965,985.00 54.08 10,000,000.00 0.23

UJUNG PANDANG 7.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

OTHERS 7.2 77,942,400.00 4.40 53,658,000.00 0.02 78,511,425.00 8.51 0.00 0.00 0.00 0.00

SULAWESI 7 77,942,400.00 4.40 53,658,000.00 0.02 78,511,425.00 8.51 0.00 0.00 0.00 0.00

OTHER ISLANDS 8 295,394,374.84 16.66 41,377,662.88 0.02 716,054,642.51 77.57 3,343,759,661.00 21.58 3,176,604,753.00 74.11

1,772,670,271.84 100.00 272,241,064,157.70 100.00 923,087,143.56 100.00 15,497,435,678.50 100.00 4,286,604,753.00 100.00J U M L A H

Claim by Cresta Zone

In IDR

U/Y 2016

As At 30/06/2016

U/Y 2015Cresta Zone

(dalam format lama)


61


( In Million IDR )

Claim By Cresta ZoneAs at 30 June 2016

-

500.00

1,000.00

1,500.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

North Sumatera

-

200.00

400.00

600.00

800.00

1,000.00

1,200.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

South Sumatera

-

200.00

400.00

600.00

800.00

1,000.00

1,200.00

1,400.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

West Java

-

2,000.00

4,000.00

6,000.00

8,000.00

10,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Central Java

-

50,000.00

100,000.00

150,000.00

200,000.00

250,000.00

300,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

East Java

-

2,000.00

4,000.00

6,000.00

8,000.00

10,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Kalimantan

-

20.00

40.00

60.00

80.00

100.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Sulawesi

-

500.00

1,000.00

1,500.00

2,000.00

2,500.00

3,000.00

3,500.00

4,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Other Islands


62


Table 5.5

U/Y 2012 U/Y 2013 U/Y 2014


AGRIKULTURAL A 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

KOMERSIAL C 1,636,685,520.49 92.33 271,246,520,180.70 99.63 624,550,950.05 67.66 5,959,405,013.50 38.45 200,000,000.00 34.19

INDUSTRIAL I 0.00 0.00 890,057,888.00 0.33 200,000,000.00 21.67 7,680,965,985.00 49.56 0.00 0.00

RESIDENSIAL R 135,984,751.35 7.67 104,486,089.00 0.04 98,536,193.51 10.67 1,857,064,680.00 11.98 385,000,000.00 65.81

1,772,670,271.84 100.00 272,241,064,157.70 100.00 923,087,143.56 100.00 15,497,435,678.50 100.00 585,000,000.00 100.00

Claim by Occupation

dalam Rupiah

Okupasi

J U M L A H

U/Y 2016

As At 30/06/2016

U/Y 2015


63


( In Million IDR )

Claim By OccupationAs at 30 June 2016

-

0.10

0.20

0.30

0.40

0.50

0.60

0.70

0.80

0.90

1.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Agricultural

-

50,000.00

100,000.00

150,000.00

200,000.00

250,000.00

300,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Commercial

-

1,000.00

2,000.00

3,000.00

4,000.00

5,000.00

6,000.00

7,000.00

8,000.00

9,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Industrial

-

200.00

400.00

600.00

800.00

1,000.00

1,200.00

1,400.00

1,600.00

1,800.00

2,000.00

UY 2012 UY 2013 UY 2014 UY 2015 UY 2016

Residential


64


Table 5.6

In IDR

U/Y 2012 U/Y 2013 U/Y 2014


01. NAD IDN_AC 1,384,397,296.00 78.10 24,004,968.00 0.01 0.00 0.00 73,970,453.00 0.48 0.00 0.00

02. SUMATERA UTARA IDN_SU 82,118,384.00 4.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

03. SUMATERA BARAT IDN_SB 0.00 0.00 10,708,596.00 0.00 17,491,400.00 1.89 1,010,000,000.00 6.52 510,000,000.00 0.00

04. RIAU IDN_RI 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

05. JAMBI IDN_JA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

06. SUMATERA SELATAN IDN_SS 0.00 0.00 0.00 0.00 0.00 0.00 10,000,000.00 0.06 0.00 0.00

07. BENGKULU IDN_BE 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

08. LAMPUNG IDN_LA 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


10. KEPULAUAN RIAU IDN_KR 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11. JAKARTA IDN_JK 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 75,000,000.00 0.00

12. JAWA BARAT IDN_JB 0.00 0.00 22,511,000.00 0.01 0.00 0.00 1,317,824,079.50 8.50 0.00 0.00

13. JAWA TENGAH IDN_JT 0.00 0.00 36,698,640.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00

14. DIY IDN_YO 0.00 0.00 1,023,236,421.00 0.38 0.00 0.00 1,262,250,000.00 8.14 0.00 0.00

15. JAWA TIMUR IDN_JI 0.00 0.00 271,054,377,462.82 99.56 111,029,676.05 12.03 98,665,500.00 0.64 0.00 0.00

16. BANTEN IDN_BT 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17. BALI IDN_BA 177,275,145.84 10.00 0.00 0.00 15,745,036.00 1.71 5,000,000.00 0.03 0.00 0.00

18. NUSA TENGGARA BARAT IDN_NB 50,937,046.00 2.87 15,869,069.88 0.01 0.00 0.00 0.00 0.00 0.00 0.00


20. KALIMANTAN BARAT IDN_KB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


22. KALIMANTAN SELATAN IDN_KS 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

23. KALIMANTAN TIMUR IDN_KI 0.00 0.00 0.00 0.00 0.00 0.00 8,380,965,985.00 54.08 0.00 0.00

24. SULAWESI UTARA IDN_SA 0.00 0.00 53,658,000.00 0.02 78,511,425.00 8.51 0.00 0.00 0.00 0.00

25. SULAWESI TENGAH IDN_ST 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

26. SULAWESI SELATAN IDN_SN 77,942,400.00 4.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


28. GORONTALO IDN_GO 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


30. MALUKU IDN_MA 0.00 0.00 0.00 0.00 0.00 0.00 25,960,000.00 0.17 0.00 0.00


32. PAPUA BARAT IDN_PB 0.00 0.00 0.00 0.00 688,071,568.51 74.54 3,162,799,658.00 20.41 0.00 0.00

33. PAPUA IDN_PA 0.00 0.00 0.00 0.00 12,238,038.00 1.33 150,000,003.00 0.97 0.00 0.00


T O T A L 1,772,670,271.84 100.00 272,241,064,157.70 100.00 923,087,143.56 100.00 15,497,435,678.50 100.00 585,000,000.00 0.00

Claim by Province

As At 30/06/2016

ProvinceU/Y 2015 U/Y 2016

Cresta ID


65


UNDERWRTING YEAR :2012 -2016

8/15/2016

OCCUPATION :ALL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i

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

1 0.00 50.00 75,506 75,506 8.59 8.59 2,592.28 2,592.28 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 59,686 135,192 6.79 15.38 6,929.70 9,521.98 0.04 0.05 3 3 2.17 2.17 103.14 103.14 0.04 0.04 1.49 1.08

3 100.00 200.00 82,492 217,684 9.39 24.77 17,818.29 27,340.27 0.10 0.15 5 8 3.62 5.80 117.11 220.26 0.04 0.08 0.66 0.81

4 200.00 300.00 65,451 283,135 7.45 32.22 24,089.75 51,430.02 0.13 0.28 8 16 5.80 11.59 282.53 502.79 0.10 0.17 1.17 0.98

5 300.00 500.00 101,242 384,377 11.52 43.74 59,116.49 110,546.51 0.32 0.60 7 23 5.07 16.67 336.60 839.39 0.12 0.29 0.57 0.76

6 500.00 750.00 88,139 472,516 10.03 53.76 77,357.37 187,903.88 0.42 1.02 11 34 7.97 24.64 528.53 1,367.92 0.18 0.47 0.68 0.73

7 750.00 1,000.00 80,451 552,967 9.15 62.92 99,888.28 287,792.16 0.54 1.57 8 42 5.80 30.43 284.48 1,652.41 0.10 0.57 0.28 0.57

8 1,000.00 1,500.00 77,620 630,587 8.83 71.75 133,477.36 421,269.52 0.73 2.30 21 63 15.22 45.65 960.43 2,612.84 0.33 0.90 0.72 0.62

9 1,500.00 2,000.00 41,904 672,491 4.77 76.52 103,352.22 524,621.74 0.56 2.86 7 70 5.07 50.72 626.81 3,239.65 0.22 1.11 0.61 0.62

10 2,000.00 2,500.00 26,181 698,672 2.98 79.50 82,335.35 606,957.09 0.45 3.31 6 76 4.35 55.07 652.65 3,892.30 0.22 1.34 0.79 0.64

11 2,500.00 3,000.00 20,082 718,754 2.28 81.78 77,511.72 684,468.82 0.42 3.73 7 83 5.07 60.14 1,004.09 4,896.39 0.35 1.68 1.30 0.72

12 3,000.00 4,000.00 25,273 744,027 2.88 84.66 122,782.77 807,251.59 0.67 4.40 8 91 5.80 65.94 926.89 5,823.28 0.32 2.00 0.75 0.72

13 4,000.00 5,000.00 18,009 762,036 2.05 86.71 114,210.22 921,461.80 0.62 5.02 1 92 0.72 66.67 15.75 5,839.03 0.01 2.01 0.01 0.63

14 5,000.00 7,500.00 25,442 787,478 2.89 89.60 216,760.86 1,138,222.66 1.18 6.20 9 101 6.52 73.19 3,015.88 8,854.91 1.04 3.04 1.39 0.78

15 7,500.00 10,000.00 16,510 803,988 1.88 91.48 201,588.41 1,339,811.07 1.10 7.30 5 106 3.62 76.81 1,910.59 10,765.50 0.66 3.70 0.95 0.80

16 10,000.00 20,000.00 26,042 830,030 2.96 94.44 512,517.97 1,852,329.03 2.79 10.10 7 113 5.07 81.88 1,367.39 12,132.89 0.47 4.17 0.27 0.66

17 20,000.00 50,000.00 22,327 852,357 2.54 96.98 986,134.77 2,838,463.81 5.38 15.47 9 122 6.52 88.41 2,156.73 14,289.62 0.74 4.91 0.22 0.50

18 50,000.00 100,000.00 11,355 863,712 1.29 98.28 1,084,684.61 3,923,148.42 5.91 21.39 6 128 4.35 92.75 8,482.27 22,771.89 2.91 7.82 0.78 0.58

19 100,000.00 500,000.00 11,884 875,596 1.35 99.63 3,438,998.12 7,362,146.54 18.75 40.13 8 136 5.80 98.55 267,573.29 290,345.19 91.94 99.77 7.78 3.94

20 500,000.00 UP 3,270 878,866 0.37 100.00 10,982,417.61 18,344,564.15 59.87 100.00 2 138 1.45 100.00 674.07 291,019.26 0.23 100.00 0.01 1.59

PT. Reasuransi MAIPARK Indonesia

RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)

(in million Rp)NUMBER OF RISK

GROSS PREMIUM (In

million Rp)CLAIM FREQUENCY

INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


66


UNDERWRTING YEAR : 2016

8/15/2016

OCCUPATION : ALL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 1,844 1,844 3.40 3.40 64.52 64.52 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 3,799 5,643 7.01 10.42 424.58 489.09 0.05 0.05 1 1 20.00 20.00 75.00 75.00 12.82 12.82 17.66 15.33

3 100.00 200.00 4,242 9,885 7.83 18.25 949.19 1,438.28 0.10 0.16 0 1 0.00 20.00 0.00 75.00 0.00 12.82 0.00 5.21

4 200.00 300.00 4,789 14,674 8.84 27.09 1,727.30 3,165.58 0.19 0.34 0 1 0.00 20.00 0.00 75.00 0.00 12.82 0.00 2.37

5 300.00 500.00 7,024 21,698 12.97 40.05 3,999.07 7,164.66 0.43 0.77 1 2 20.00 40.00 50.00 125.00 8.55 21.37 1.25 1.74

6 500.00 750.00 5,354 27,052 9.88 49.94 4,558.57 11,723.23 0.49 1.27 2 4 40.00 80.00 260.00 385.00 44.44 65.81 5.70 3.28

7 750.00 1,000.00 4,950 32,002 9.14 59.08 6,034.84 17,758.07 0.65 1.92 0 4 0.00 80.00 0.00 385.00 0.00 65.81 0.00 2.17

8 1,000.00 1,500.00 4,991 36,993 9.21 68.29 8,303.38 26,061.45 0.90 2.82 0 4 0.00 80.00 0.00 385.00 0.00 65.81 0.00 1.48

9 1,500.00 2,000.00 3,085 40,078 5.69 73.98 7,367.50 33,428.95 0.80 3.61 0 4 0.00 80.00 0.00 385.00 0.00 65.81 0.00 1.15

10 2,000.00 2,500.00 1,822 41,900 3.36 77.35 5,499.68 38,928.62 0.59 4.21 0 4 0.00 80.00 0.00 385.00 0.00 65.81 0.00 0.99

11 2,500.00 3,000.00 1,428 43,328 2.64 79.98 5,255.34 44,183.96 0.57 4.78 0 4 0.00 80.00 0.00 385.00 0.00 65.81 0.00 0.87

12 3,000.00 4,000.00 1,761 45,089 3.25 83.23 8,090.51 52,274.47 0.87 5.65 0 4 0.00 80.00 0.00 385.00 0.00 65.81 0.00 0.74

13 4,000.00 5,000.00 1,355 46,444 2.50 85.74 8,212.95 60,487.41 0.89 6.54 0 4 0.00 80.00 0.00 385.00 0.00 65.81 0.00 0.64

14 5,000.00 7,500.00 1,739 48,183 3.21 88.95 13,933.83 74,421.25 1.51 8.04 0 4 0.00 80.00 0.00 385.00 0.00 65.81 0.00 0.52

15 7,500.00 10,000.00 1,143 49,326 2.11 91.06 13,090.45 87,511.70 1.41 9.46 0 4 0.00 80.00 0.00 385.00 0.00 65.81 0.00 0.44

16 10,000.00 20,000.00 1,688 51,014 3.12 94.17 30,513.70 118,025.40 3.30 12.76 0 4 0.00 80.00 0.00 385.00 0.00 65.81 0.00 0.33

17 20,000.00 50,000.00 1,396 52,410 2.58 96.75 55,710.69 173,736.09 6.02 18.78 0 4 0.00 80.00 0.00 385.00 0.00 65.81 0.00 0.22

18 50,000.00 100,000.00 780 53,190 1.44 98.19 69,042.10 242,778.20 7.46 26.24 1 5 20.00 100.00 200.00 585.00 34.19 100.00 0.29 0.24

19 100,000.00 500,000.00 745 53,935 1.38 99.56 193,177.45 435,955.64 20.88 47.12 0 5 0.00 100.00 0.00 585.00 0.00 100.00 0.00 0.13

20 500,000.00 UP 236 54,171 0.44 100.00 489,279.68 925,235.32 52.88 100.00 0 5 0.00 100.00 0.00 585.00 0.00 100.00 0.00 0.06


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM

(In million Rp)CLAIM FREQUENCY

INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


67



8/15/2016

OCCUPATION : ALL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 13,357 13,357 5.91 5.91 396.89 396.89 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 12,164 25,521 5.38 11.29 1,335.82 1,732.71 0.03 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 19,964 45,485 8.83 20.12 4,050.40 5,783.11 0.08 0.11 3 3 7.89 7.89 109.65 109.65 0.71 0.71 2.71 1.90

4 200.00 300.00 17,832 63,317 7.89 28.01 6,579.89 12,363.00 0.13 0.24 2 5 5.26 13.16 187.90 297.55 1.21 1.92 2.86 2.41

5 300.00 500.00 26,261 89,578 11.62 39.62 14,812.83 27,175.82 0.29 0.52 0 5 0.00 13.16 0.00 297.55 0.00 1.92 0.00 1.09

6 500.00 750.00 27,474 117,052 12.15 51.78 22,807.19 49,983.01 0.44 0.96 3 8 7.89 21.05 108.67 406.22 0.70 2.62 0.48 0.81

7 750.00 1,000.00 23,811 140,863 10.53 62.31 28,116.70 78,099.71 0.54 1.51 0 8 0.00 21.05 0.00 406.22 0.00 2.62 0.00 0.52

8 1,000.00 1,500.00 19,243 160,106 8.51 70.82 31,956.09 110,055.80 0.62 2.12 4 12 10.53 31.58 136.22 542.44 0.88 3.50 0.43 0.49

9 1,500.00 2,000.00 10,903 171,009 4.82 75.64 25,954.79 136,010.59 0.50 2.62 2 14 5.26 36.84 31.53 573.97 0.20 3.70 0.12 0.42

10 2,000.00 2,500.00 7,185 178,194 3.18 78.82 21,714.87 157,725.45 0.42 3.04 2 16 5.26 42.11 200.48 774.45 1.29 5.00 0.92 0.49

11 2,500.00 3,000.00 5,242 183,436 2.32 81.14 19,581.98 177,307.44 0.38 3.42 3 19 7.89 50.00 152.54 926.99 0.98 5.98 0.78 0.52

12 3,000.00 4,000.00 6,628 190,064 2.93 84.07 31,243.22 208,550.66 0.60 4.02 3 22 7.89 57.89 266.87 1,193.86 1.72 7.70 0.85 0.57

13 4,000.00 5,000.00 4,653 194,717 2.06 86.13 28,834.35 237,385.01 0.56 4.58 0 22 0.00 57.89 0.00 1,193.86 0.00 7.70 0.00 0.50

14 5,000.00 7,500.00 6,904 201,621 3.05 89.19 57,314.52 294,699.53 1.11 5.68 4 26 10.53 68.42 2,064.22 3,258.08 13.32 21.02 3.60 1.11

15 7,500.00 10,000.00 4,356 205,977 1.93 91.11 50,854.57 345,554.10 0.98 6.66 1 27 2.63 71.05 700.00 3,958.08 4.52 25.54 1.38 1.15

16 10,000.00 20,000.00 6,968 212,945 3.08 94.19 131,900.73 477,454.83 2.54 9.21 1 28 2.63 73.68 300.00 4,258.08 1.94 27.48 0.23 0.89

17 20,000.00 50,000.00 5,873 218,818 2.60 96.79 252,888.62 730,343.45 4.88 14.08 6 34 15.79 89.47 1,912.13 6,170.21 12.34 39.81 0.76 0.84

18 50,000.00 100,000.00 2,884 221,702 1.28 98.07 271,840.77 1,002,184.23 5.24 19.32 1 35 2.63 92.11 700.00 6,870.21 4.52 44.33 0.26 0.69

19 100,000.00 500,000.00 3,410 225,112 1.51 99.58 933,423.27 1,935,607.49 18.00 37.32 2 37 5.26 97.37 7,980.97 14,851.17 51.50 95.83 0.86 0.77

20 500,000.00 UP 957 226,069 0.42 100.00 3,250,646.31 5,186,253.80 62.68 100.00 1 38 2.63 100.00 646.26 15,497.44 4.17 100.00 0.02 0.30

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)


68



8/15/2016

OCCUPATION : ALL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 27,157 27,157 11.54 11.54 804.99 804.99 0.02 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 15,535 42,692 6.60 18.15 1,895.36 2,700.35 0.04 0.05 2 2 13.33 13.33 28.14 28.14 3.05 3.05 1.48 1.04

3 100.00 200.00 19,762 62,454 8.40 26.55 4,255.70 6,956.05 0.09 0.14 0 2 0.00 13.33 0.00 28.14 0.00 3.05 0.00 0.40

4 200.00 300.00 15,142 77,596 6.44 32.98 5,480.66 12,436.71 0.11 0.25 3 5 20.00 33.33 56.29 84.43 6.10 9.15 1.03 0.68

5 300.00 500.00 28,986 106,582 12.32 45.30 17,173.59 29,610.30 0.34 0.59 0 5 0.00 33.33 0.00 84.43 0.00 9.15 0.00 0.29

6 500.00 750.00 25,985 132,567 11.04 56.35 23,833.12 53,443.42 0.48 1.07 2 7 13.33 46.67 34.40 118.83 3.73 12.87 0.14 0.22

7 750.00 1,000.00 23,072 155,639 9.81 66.15 29,151.19 82,594.60 0.59 1.66 2 9 13.33 60.00 112.92 231.75 12.23 25.11 0.39 0.28

8 1,000.00 1,500.00 17,285 172,924 7.35 73.50 29,837.56 112,432.16 0.60 2.26 1 10 6.67 66.67 112.50 344.25 12.19 37.29 0.38 0.31

9 1,500.00 2,000.00 10,273 183,197 4.37 77.87 25,410.01 137,842.18 0.51 2.77 0 10 0.00 66.67 0.00 344.25 0.00 37.29 0.00 0.25

10 2,000.00 2,500.00 6,268 189,465 2.66 80.53 19,755.65 157,597.83 0.40 3.16 2 12 13.33 80.00 347.26 691.51 37.62 74.91 1.76 0.44

11 2,500.00 3,000.00 4,998 194,463 2.12 82.65 19,315.35 176,913.18 0.39 3.55 0 12 0.00 80.00 0.00 691.51 0.00 74.91 0.00 0.39

12 3,000.00 4,000.00 6,242 200,705 2.65 85.31 29,994.86 206,908.04 0.60 4.15 0 12 0.00 80.00 0.00 691.51 0.00 74.91 0.00 0.33

13 4,000.00 5,000.00 4,471 205,176 1.90 87.21 28,224.31 235,132.35 0.57 4.72 1 13 6.67 86.67 15.75 707.25 1.71 76.62 0.06 0.30

14 5,000.00 7,500.00 6,319 211,495 2.69 89.89 53,883.89 289,016.24 1.08 5.80 1 14 6.67 93.33 15.83 723.09 1.72 78.33 0.03 0.25

15 7,500.00 10,000.00 4,093 215,588 1.74 91.63 50,169.29 339,185.53 1.01 6.81 0 14 0.00 93.33 0.00 723.09 0.00 78.33 0.00 0.21

16 10,000.00 20,000.00 6,571 222,159 2.79 94.43 129,584.99 468,770.51 2.60 9.41 0 14 0.00 93.33 0.00 723.09 0.00 78.33 0.00 0.15

17 20,000.00 50,000.00 5,990 228,149 2.55 96.97 270,273.34 739,043.86 5.42 14.83 1 15 6.67 100.00 200.00 923.09 21.67 100.00 0.07 0.12

18 50,000.00 100,000.00 3,114 231,263 1.32 98.29 292,133.84 1,031,177.70 5.86 20.70 0 15 0.00 100.00 0.00 923.09 0.00 100.00 0.00 0.09

19 100,000.00 500,000.00 3,161 234,424 1.34 99.64 946,152.23 1,977,329.92 18.99 39.69 0 15 0.00 100.00 0.00 923.09 0.00 100.00 0.00 0.05

20 500,000.00 UP 851 235,275 0.36 100.00 3,004,747.52 4,982,077.45 60.31 100.00 0 15 0.00 100.00 0.00 923.09 0.00 100.00 0.00 0.02


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


69



01/02/2016

OCCUPATION : ALL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 15,781.00 15,781.00 8.34 8.34 633.66 633.66 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 14,596.00 30,377.00 7.72 16.06 1,676.45 2,310.11 0.04 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 19,193.00 49,570.00 10.15 26.20 4,300.50 6,610.61 0.09 0.15 2.00 2.00 3.39 3.39 7.47 7.47 0.00 0.00 0.17 0.11

4 200.00 300.00 13,937.00 63,507.00 7.37 33.57 5,197.54 11,808.15 0.11 0.26 3.00 5.00 5.08 8.47 38.34 45.81 0.01 0.02 0.74 0.39

5 300.00 500.00 19,767.00 83,274.00 10.45 44.02 11,732.00 23,540.15 0.26 0.52 5.00 10.00 8.47 16.95 269.16 314.97 0.09 0.11 2.29 1.34

6 500.00 750.00 15,496.00 98,770.00 8.19 52.21 13,798.99 37,339.14 0.30 0.82 4.00 14.00 6.78 23.73 364.51 679.49 0.13 0.24 2.64 1.82

7 750.00 1,000.00 14,556.00 113,326.00 7.69 59.91 18,582.73 55,921.87 0.41 1.23 6.00 20.00 10.17 33.90 684.43 1,363.91 0.24 0.47 3.68 2.44

8 1,000.00 1,500.00 19,893.00 133,219.00 10.52 70.42 34,933.98 90,855.86 0.77 2.01 15.00 35.00 25.42 59.32 683.40 2,047.31 0.24 0.71 1.96 2.25

9 1,500.00 2,000.00 9,626.00 142,845.00 5.09 75.51 24,202.29 115,058.15 0.53 2.54 2.00 37.00 3.39 62.71 184.66 2,231.97 0.06 0.78 0.76 1.94

10 2,000.00 2,500.00 6,008.00 148,853.00 3.18 78.69 19,630.35 134,688.50 0.43 2.97 1.00 38.00 1.69 64.41 42.58 2,274.56 0.01 0.79 0.22 1.69

11 2,500.00 3,000.00 4,525.00 153,378.00 2.39 81.08 18,007.17 152,695.67 0.40 3.37 2.00 40.00 3.39 67.80 793.34 3,067.89 0.28 1.07 4.41 2.01

12 3,000.00 4,000.00 5,759.00 159,137.00 3.04 84.12 28,864.82 181,560.49 0.64 4.01 4.00 44.00 6.78 74.58 552.35 3,620.25 0.19 1.26 1.91 1.99

13 4,000.00 5,000.00 4,109.00 163,246.00 2.17 86.30 26,586.74 208,147.23 0.59 4.59 0.00 44.00 0.00 74.58 0.00 3,620.25 0.00 1.26 0.00 1.74

14 5,000.00 7,500.00 5,658.00 168,904.00 2.99 89.29 49,632.65 257,779.88 1.10 5.69 2.00 46.00 3.39 77.97 615.87 4,236.12 0.21 1.47 1.24 1.64

15 7,500.00 10,000.00 3,775.00 172,679.00 2.00 91.28 48,228.11 306,007.98 1.06 6.75 2.00 48.00 3.39 81.36 747.66 4,983.78 0.26 1.73 1.55 1.63

16 10,000.00 20,000.00 5,861.00 178,540.00 3.10 94.38 119,505.35 425,513.33 2.64 9.39 2.00 50.00 3.39 84.75 766.32 5,750.10 0.27 2.00 0.64 1.35

17 20,000.00 50,000.00 4,956.00 183,496.00 2.62 97.00 225,770.57 651,283.91 4.98 14.38 1.00 51.00 1.69 86.44 30.00 5,780.10 0.01 2.01 0.01 0.89

18 50,000.00 100,000.00 2,511.00 186,007.00 1.33 98.33 256,373.05 907,656.96 5.66 20.04 3.00 54.00 5.08 91.53 9,198.95 14,979.05 3.20 5.20 3.59 1.65

19 100,000.00 500,000.00 2,490.00 188,497.00 1.32 99.64 765,867.96 1,673,524.91 16.91 36.94 4.00 58.00 6.78 98.31 272,874.75 287,853.80 94.79 99.99 35.63 17.20

20 500,000.00 UP 675.00 189,172.00 0.36 100.00 2,856,777.24 4,530,302.15 63.06 100.00 1.00 59.00 1.69 100.00 27.81 287,881.61 0.01 100.00 0.00 6.35

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


RISK & LOSS PROFILE

As At 31/12/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)


70


UNDERWRTING YEAR :2012

8/15/2016

OCCUPATION :ALL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 17,355 17,355 9.98 9.98 689.39 689.39 0.03 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 13,583 30,938 7.81 17.80 1,595.91 2,285.30 0.06 0.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 19,276 50,214 11.09 28.89 4,248.45 6,533.75 0.16 0.24 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 13,705 63,919 7.88 36.77 5,084.73 11,618.49 0.19 0.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 19,127 83,046 11.00 47.78 11,352.99 22,971.47 0.42 0.84 1 1 5.56 5.56 17.44 17.44 0.98 0.98 0.15 0.08

6 500.00 750.00 13,797 96,843 7.94 55.71 12,330.92 35,302.39 0.45 1.30 0 1 0.00 5.56 0.00 17.44 0.00 0.98 0.00 0.05

7 750.00 1,000.00 14,027 110,870 8.07 63.78 17,953.46 53,255.85 0.66 1.96 0 1 0.00 5.56 0.00 17.44 0.00 0.98 0.00 0.03

8 1,000.00 1,500.00 16,190 127,060 9.31 73.10 28,415.42 81,671.26 1.04 3.00 1 2 5.56 11.11 28.31 45.75 1.60 2.58 0.10 0.06

9 1,500.00 2,000.00 8,000 135,060 4.60 77.70 20,369.59 102,040.85 0.75 3.75 3 5 16.67 27.78 410.61 456.36 23.16 25.74 2.02 0.45

10 2,000.00 2,500.00 4,891 139,951 2.81 80.51 15,724.69 117,765.54 0.58 4.33 1 6 5.56 33.33 62.33 518.69 3.52 29.26 0.40 0.44

11 2,500.00 3,000.00 3,883 143,834 2.23 82.75 15,325.85 133,091.39 0.56 4.89 2 8 11.11 44.44 58.21 576.90 3.28 32.54 0.38 0.43

12 3,000.00 4,000.00 4,874 148,708 2.80 85.55 24,556.01 157,647.40 0.90 5.79 1 9 5.56 50.00 107.67 684.58 6.07 38.62 0.44 0.43

13 4,000.00 5,000.00 3,419 152,127 1.97 87.52 22,330.78 179,978.18 0.82 6.61 0 9 0.00 50.00 0.00 684.58 0.00 38.62 0.00 0.38

14 5,000.00 7,500.00 4,812 156,939 2.77 90.28 41,931.73 221,909.91 1.54 8.15 2 11 11.11 61.11 319.96 1,004.53 18.05 56.67 0.76 0.45

15 7,500.00 10,000.00 3,140 160,079 1.81 92.09 39,175.48 261,085.39 1.44 9.59 2 13 11.11 72.22 462.93 1,467.46 26.11 82.78 1.18 0.56

16 10,000.00 20,000.00 4,947 165,026 2.85 94.94 100,940.51 362,025.91 3.71 13.30 4 17 22.22 94.44 301.07 1,768.53 16.98 99.77 0.30 0.49

17 20,000.00 50,000.00 4,109 169,135 2.36 97.30 181,554.10 543,580.00 6.67 19.97 0 17 0.00 94.44 0.00 1,768.53 0.00 99.77 0.00 0.33

18 50,000.00 100,000.00 2,063 171,198 1.19 98.49 195,321.27 738,901.28 7.18 27.15 0 17 0.00 94.44 0.00 1,768.53 0.00 99.77 0.00 0.24

19 100,000.00 500,000.00 2,078 173,276 1.20 99.68 599,151.15 1,338,052.43 22.02 49.17 1 18 5.56 100.00 4.14 1,772.67 0.23 100.00 0.00 0.13

20 500,000.00 UP 551 173,827 0.32 100.00 1,383,349.21 2,721,401.64 50.83 100.00 0 18 0.00 100.00 0.00 1,772.67 0.00 100.00 0.00 0.07

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)


71



8/15/2016

OCCUPATION : AGRICULTURAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 22 22 11.64 11.64 1.18 1.18 0.02 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 18 40 9.52 21.16 2.40 3.57 0.04 0.06 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 15 55 7.94 29.10 3.63 7.20 0.07 0.13 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 11 66 5.82 34.92 4.27 11.47 0.08 0.21 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 8 74 4.23 39.15 6.14 17.61 0.11 0.32 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 11 85 5.82 44.97 11.58 29.19 0.21 0.53 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 5 90 2.65 47.62 5.37 34.56 0.10 0.63 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 8 98 4.23 51.85 13.96 48.52 0.25 0.88 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 12 110 6.35 58.20 28.92 77.44 0.53 1.41 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 4 114 2.12 60.32 14.34 91.78 0.26 1.67 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 1 115 0.53 60.85 2.85 94.63 0.05 1.72 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 2 117 1.06 61.90 8.11 102.74 0.15 1.87 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 0 117 0.00 61.90 0.00 102.74 0.00 1.87 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 7 124 3.70 65.61 55.90 158.64 1.02 2.89 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 5 129 2.65 68.25 48.96 207.60 0.89 3.78 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 10 139 5.29 73.54 224.30 431.91 4.08 7.86 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 20 159 10.58 84.13 687.56 1,119.46 12.51 20.37 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 15 174 7.94 92.06 1,440.66 2,560.13 26.22 46.59 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 15 189 7.94 100.00 2,935.31 5,495.44 53.41 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 0 189 0.00 100.00 0.00 5,495.44 0.00 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


72



8/15/2016

OCCUPATION : COMMERCIAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 964 964 3.84 3.84 31.79 31.79 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 1,604 2,568 6.39 10.24 173.30 205.10 0.07 0.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 1,512 4,080 6.03 16.26 344.38 549.47 0.14 0.23 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 1,652 5,732 6.59 22.85 632.41 1,181.88 0.26 0.49 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 2,763 8,495 11.01 33.86 1,646.77 2,828.65 0.68 1.17 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 2,403 10,898 9.58 43.44 2,083.27 4,911.92 0.86 2.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 2,581 13,479 10.29 53.73 3,164.26 8,076.19 1.30 3.33 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 2,560 16,039 10.21 63.94 4,217.36 12,293.54 1.74 5.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 1,656 17,695 6.60 70.54 4,026.32 16,319.87 1.66 6.72 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 945 18,640 3.77 74.31 2,876.76 19,196.63 1.19 7.91 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 788 19,428 3.14 77.45 2,884.29 22,080.92 1.19 9.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 956 20,384 3.81 81.26 4,454.03 26,534.95 1.84 10.93 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 754 21,138 3.01 84.27 4,649.62 31,184.57 1.92 12.85 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 1,016 22,154 4.05 88.32 8,230.45 39,415.02 3.39 16.24 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 647 22,801 2.58 90.89 7,514.81 46,929.83 3.10 19.34 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 911 23,712 3.63 94.53 16,443.59 63,373.42 6.78 26.11 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 703 24,415 2.80 97.33 28,552.88 91,926.30 11.76 37.88 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 371 24,786 1.48 98.81 32,522.65 124,448.95 13.40 51.27 1 1 100.00 100.00 200.00 200.00 100.00 100.00 0.61 0.16

19 100,000.00 500,000.00 260 25,046 1.04 99.84 64,782.00 189,230.95 26.69 77.97 0 1 0.00 100.00 0.00 200.00 0.00 100.00 0.00 0.11

20 500,000.00 UP 39 25,085 0.16 100.00 53,478.68 242,709.63 22.03 100.00 0 1 0.00 100.00 0.00 200.00 0.00 100.00 0.00 0.08


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


73



8/15/2016

OCCUPATION : INDUSTRIAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 65 65 1.53 1.53 3.23 3.23 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 466 531 11.00 12.54 48.07 51.30 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 103 634 2.43 14.97 22.80 74.10 0.00 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 78 712 1.84 16.81 27.99 102.09 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 210 922 4.96 21.77 115.09 217.18 0.02 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 144 1,066 3.40 25.17 122.35 339.53 0.02 0.06 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 160 1,226 3.78 28.94 192.00 531.53 0.04 0.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 207 1,433 4.89 33.83 355.40 886.93 0.07 0.16 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 156 1,589 3.68 37.51 383.23 1,270.16 0.07 0.23 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 142 1,731 3.35 40.86 428.31 1,698.47 0.08 0.31 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 110 1,841 2.60 43.46 392.38 2,090.85 0.07 0.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 166 2,007 3.92 47.38 760.20 2,851.05 0.14 0.53 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 159 2,166 3.75 51.13 915.30 3,766.35 0.17 0.70 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 221 2,387 5.22 56.35 1,777.18 5,543.53 0.33 1.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 197 2,584 4.65 61.00 2,208.05 7,751.58 0.41 1.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 407 2,991 9.61 70.61 7,297.59 15,049.17 1.35 2.78 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 438 3,429 10.34 80.95 17,216.86 32,266.03 3.18 5.96 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 302 3,731 7.13 88.08 26,783.34 59,049.37 4.94 10.90 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 341 4,072 8.05 96.13 88,539.91 147,589.28 16.34 27.24 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 164 4,236 3.87 100.00 394,207.72 541,797.01 72.76 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


74



8/15/2016

OCCUPATION : RESIDENTIAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 793 793 3.22 3.22 28.32 28.32 0.02 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 1,711 2,504 6.94 10.15 200.81 229.13 0.15 0.17 1 1 25.00 25.00 75.00 75.00 19.48 19.48 37.35 32.73

3 100.00 200.00 2,612 5,116 10.59 20.75 578.39 807.51 0.43 0.60 0 1 0.00 25.00 0.00 75.00 0.00 19.48 0.00 9.29

4 200.00 300.00 3,048 8,164 12.36 33.10 1,062.62 1,870.14 0.79 1.38 0 1 0.00 25.00 0.00 75.00 0.00 19.48 0.00 4.01

5 300.00 500.00 4,043 12,207 16.39 49.50 2,231.08 4,101.22 1.65 3.03 1 2 25.00 50.00 50.00 125.00 12.99 32.47 2.24 3.05

6 500.00 750.00 2,796 15,003 11.34 60.84 2,341.37 6,442.58 1.73 4.76 2 4 50.00 100.00 260.00 385.00 67.53 100.00 11.10 5.98

7 750.00 1,000.00 2,204 17,207 8.94 69.77 2,673.20 9,115.78 1.98 6.74 0 4 0.00 100.00 0.00 385.00 0.00 100.00 0.00 4.22

8 1,000.00 1,500.00 2,216 19,423 8.99 78.76 3,716.66 12,832.45 2.75 9.49 0 4 0.00 100.00 0.00 385.00 0.00 100.00 0.00 3.00

9 1,500.00 2,000.00 1,261 20,684 5.11 83.87 2,929.03 15,761.48 2.17 11.66 0 4 0.00 100.00 0.00 385.00 0.00 100.00 0.00 2.44

10 2,000.00 2,500.00 731 21,415 2.96 86.84 2,180.27 17,941.75 1.61 13.27 0 4 0.00 100.00 0.00 385.00 0.00 100.00 0.00 2.15

11 2,500.00 3,000.00 529 21,944 2.15 88.98 1,975.81 19,917.56 1.46 14.73 0 4 0.00 100.00 0.00 385.00 0.00 100.00 0.00 1.93

12 3,000.00 4,000.00 637 22,581 2.58 91.57 2,868.16 22,785.72 2.12 16.85 0 4 0.00 100.00 0.00 385.00 0.00 100.00 0.00 1.69

13 4,000.00 5,000.00 442 23,023 1.79 93.36 2,648.03 25,433.75 1.96 18.81 0 4 0.00 100.00 0.00 385.00 0.00 100.00 0.00 1.51

14 5,000.00 7,500.00 495 23,518 2.01 95.37 3,870.30 29,304.06 2.86 21.67 0 4 0.00 100.00 0.00 385.00 0.00 100.00 0.00 1.31

15 7,500.00 10,000.00 294 23,812 1.19 96.56 3,318.63 32,622.69 2.45 24.12 0 4 0.00 100.00 0.00 385.00 0.00 100.00 0.00 1.18

16 10,000.00 20,000.00 360 24,172 1.46 98.02 6,548.22 39,170.91 4.84 28.97 0 4 0.00 100.00 0.00 385.00 0.00 100.00 0.00 0.98

17 20,000.00 50,000.00 235 24,407 0.95 98.97 9,253.40 48,424.31 6.84 35.81 0 4 0.00 100.00 0.00 385.00 0.00 100.00 0.00 0.80

18 50,000.00 100,000.00 92 24,499 0.37 99.34 8,295.44 56,719.75 6.13 41.94 0 4 0.00 100.00 0.00 385.00 0.00 100.00 0.00 0.68

19 100,000.00 500,000.00 129 24,628 0.52 99.87 36,920.22 93,639.97 27.30 69.24 0 4 0.00 100.00 0.00 385.00 0.00 100.00 0.00 0.41

20 500,000.00 UP 33 24,661 0.13 100.00 41,593.27 135,233.24 30.76 100.00 0 4 0.00 100.00 0.00 385.00 0.00 100.00 0.00 0.28


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


75



8/15/2016


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 2 2 0.51 0.51 0.10 0.10 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 8 10 2.05 2.56 1.11 1.21 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 11 21 2.82 5.38 2.29 3.50 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 8 29 2.05 7.44 2.96 6.45 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 8 37 2.05 9.49 4.52 10.97 0.02 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 14 51 3.59 13.08 11.87 22.84 0.04 0.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 10 61 2.56 15.64 12.39 35.23 0.04 0.12 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 18 79 4.62 20.26 26.41 61.64 0.09 0.21 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 13 92 3.33 23.59 32.08 93.72 0.11 0.32 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 13 105 3.33 26.92 42.74 136.46 0.14 0.46 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 3 108 0.77 27.69 13.63 150.09 0.05 0.51 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 12 120 3.08 30.77 58.95 209.03 0.20 0.70 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 13 133 3.33 34.10 78.66 287.69 0.26 0.97 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 17 150 4.36 38.46 139.55 427.24 0.47 1.44 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 16 166 4.10 42.56 160.97 588.21 0.54 1.98 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 34 200 8.72 51.28 707.00 1,295.21 2.38 4.36 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 42 242 10.77 62.05 2,054.24 3,349.45 6.92 11.28 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 53 295 13.59 75.64 4,939.90 8,289.35 16.64 27.93 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 95 390 24.36 100.00 21,394.38 29,683.73 72.07 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 0 390 0.00 100.00 0.00 29,683.73 0.00 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)


76



8/15/2016


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 8,683 8,683 7.01 7.01 249.81 249.81 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 5,119 13,802 4.13 11.14 578.30 828.11 0.03 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 8,524 22,326 6.88 18.03 1,779.16 2,607.27 0.10 0.15 2 2 8.00 8.00 59.65 59.65 1.00 1.00 3.35 2.29

4 200.00 300.00 9,072 31,398 7.33 25.35 3,450.36 6,057.63 0.19 0.34 2 4 8.00 16.00 187.90 247.55 3.15 4.15 5.45 4.09

5 300.00 500.00 12,857 44,255 10.38 35.73 7,349.57 13,407.19 0.41 0.75 0 4 0.00 16.00 0.00 247.55 0.00 4.15 0.00 1.85

6 500.00 750.00 17,769 62,024 14.35 50.08 14,733.25 28,140.44 0.82 1.57 2 6 8.00 24.00 98.67 346.22 1.66 5.81 0.67 1.23

7 750.00 1,000.00 16,077 78,101 12.98 63.06 18,915.82 47,056.27 1.05 2.62 0 6 0.00 24.00 0.00 346.22 0.00 5.81 0.00 0.74

8 1,000.00 1,500.00 11,103 89,204 8.97 72.03 18,462.24 65,518.50 1.03 3.65 0 6 0.00 24.00 0.00 346.22 0.00 5.81 0.00 0.53

9 1,500.00 2,000.00 6,123 95,327 4.94 76.97 14,804.24 80,322.74 0.82 4.47 1 7 4.00 28.00 10.00 356.22 0.17 5.98 0.07 0.44

10 2,000.00 2,500.00 4,014 99,341 3.24 80.21 12,250.69 92,573.43 0.68 5.16 2 9 8.00 36.00 200.48 556.70 3.36 9.34 1.64 0.60

11 2,500.00 3,000.00 2,890 102,231 2.33 82.55 10,922.23 103,495.66 0.61 5.77 1 10 4.00 40.00 12.98 569.68 0.22 9.56 0.12 0.55

12 3,000.00 4,000.00 3,565 105,796 2.88 85.43 17,090.80 120,586.46 0.95 6.72 2 12 8.00 48.00 29.37 599.04 0.49 10.05 0.17 0.50

13 4,000.00 5,000.00 2,596 108,392 2.10 87.52 16,288.27 136,874.73 0.91 7.63 0 12 0.00 48.00 0.00 599.04 0.00 10.05 0.00 0.44

14 5,000.00 7,500.00 3,981 112,373 3.21 90.74 33,347.06 170,221.79 1.86 9.48 3 15 12.00 60.00 801.97 1,401.02 13.46 23.51 2.40 0.82

15 7,500.00 10,000.00 2,472 114,845 2.00 92.73 29,076.07 199,297.86 1.62 11.10 1 16 4.00 64.00 700.00 2,101.02 11.75 35.26 2.41 1.05

16 10,000.00 20,000.00 3,828 118,673 3.09 95.82 72,349.90 271,647.76 4.03 15.13 1 17 4.00 68.00 300.00 2,401.02 5.03 40.29 0.41 0.88

17 20,000.00 50,000.00 2,840 121,513 2.29 98.12 123,976.31 395,624.07 6.91 22.04 6 23 24.00 92.00 1,912.13 4,313.14 32.09 72.38 1.54 1.09

18 50,000.00 100,000.00 1,167 122,680 0.94 99.06 112,740.28 508,364.35 6.28 28.32 0 23 0.00 92.00 0.00 4,313.14 0.00 72.38 0.00 0.85

19 100,000.00 500,000.00 1,002 123,682 0.81 99.87 259,236.67 767,601.02 14.44 42.76 1 24 4.00 96.00 1,000.00 5,313.14 16.78 89.16 0.39 0.69

20 500,000.00 UP 163 123,845 0.13 100.00 1,027,432.55 1,795,033.57 57.24 100.00 1 25 4.00 100.00 646.26 5,959.41 10.84 100.00 0.06 0.33

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)


77



8/15/2016


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 537 537 3.13 3.13 16.73 16.73 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 712 1,249 4.15 7.28 83.08 99.81 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 499 1,748 2.91 10.18 109.51 209.32 0.00 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 418 2,166 2.44 12.62 153.12 362.43 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 664 2,830 3.87 16.49 404.79 767.22 0.01 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 699 3,529 4.07 20.56 620.11 1,387.34 0.02 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 598 4,127 3.48 24.04 784.54 2,171.88 0.03 0.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 856 4,983 4.99 29.03 1,540.27 3,712.15 0.05 0.13 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 631 5,614 3.68 32.71 1,554.45 5,266.60 0.06 0.19 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 489 6,103 2.85 35.55 1,541.61 6,808.21 0.05 0.24 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 426 6,529 2.48 38.04 1,633.12 8,441.33 0.06 0.30 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 683 7,212 3.98 42.02 3,276.68 11,718.01 0.12 0.42 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 543 7,755 3.16 45.18 3,471.70 15,189.71 0.12 0.54 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 995 8,750 5.80 50.98 8,465.66 23,655.37 0.30 0.84 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 839 9,589 4.89 55.86 9,706.36 33,361.73 0.34 1.18 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 1,706 11,295 9.94 65.80 32,818.36 66,180.09 1.17 2.35 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 2,046 13,341 11.92 77.72 88,356.89 154,536.97 3.14 5.49 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 1,297 14,638 7.56 85.28 118,488.51 273,025.48 4.21 9.69 1 1 50.00 50.00 700.00 700.00 9.11 9.11 0.59 0.26

19 100,000.00 500,000.00 1,821 16,459 10.61 95.89 508,170.50 781,195.98 18.04 27.73 1 2 50.00 100.00 6,980.97 7,680.97 90.89 100.00 1.37 0.98

20 500,000.00 UP 706 17,165 4.11 100.00 2,035,519.10 2,816,715.07 72.27 100.00 0 2 0.00 100.00 0.00 7,680.97 0.00 100.00 0.00 0.27

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)


78



8/15/2016


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 4,135 4,135 4.88 4.88 130.25 130.25 0.02 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 6,325 10,460 7.47 12.35 673.33 803.58 0.12 0.15 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 10,930 21,390 12.91 25.26 2,159.45 2,963.03 0.40 0.54 1 1 9.09 9.09 50.00 50.00 2.69 2.69 2.32 1.69

4 200.00 300.00 8,334 29,724 9.84 35.11 2,973.45 5,936.48 0.55 1.09 0 1 0.00 9.09 0.00 50.00 0.00 2.69 0.00 0.84

5 300.00 500.00 12,732 42,456 15.04 50.14 7,053.95 12,990.43 1.29 2.38 0 1 0.00 9.09 0.00 50.00 0.00 2.69 0.00 0.38

6 500.00 750.00 8,992 51,448 10.62 60.76 7,441.96 20,432.39 1.37 3.75 1 2 9.09 18.18 10.00 60.00 0.54 3.23 0.13 0.29

7 750.00 1,000.00 7,126 58,574 8.42 69.18 8,403.94 28,836.34 1.54 5.29 0 2 0.00 18.18 0.00 60.00 0.00 3.23 0.00 0.21

8 1,000.00 1,500.00 7,266 65,840 8.58 77.76 11,927.17 40,763.51 2.19 7.48 4 6 36.36 54.55 136.22 196.22 7.34 10.57 1.14 0.48

9 1,500.00 2,000.00 4,136 69,976 4.88 82.65 9,564.02 50,327.53 1.76 9.24 1 7 9.09 63.64 21.53 217.75 1.16 11.73 0.23 0.43

10 2,000.00 2,500.00 2,669 72,645 3.15 85.80 7,879.83 58,207.36 1.45 10.68 0 7 0.00 63.64 0.00 217.75 0.00 11.73 0.00 0.37

11 2,500.00 3,000.00 1,923 74,568 2.27 88.07 7,013.01 65,220.36 1.29 11.97 2 9 18.18 81.82 139.56 357.31 7.52 19.24 1.99 0.55

12 3,000.00 4,000.00 2,368 76,936 2.80 90.87 10,816.80 76,037.16 1.99 13.96 1 10 9.09 90.91 237.50 594.81 12.79 32.03 2.20 0.78

13 4,000.00 5,000.00 1,501 78,437 1.77 92.64 8,995.72 85,032.89 1.65 15.61 0 10 0.00 90.91 0.00 594.81 0.00 32.03 0.00 0.70

14 5,000.00 7,500.00 1,911 80,348 2.26 94.90 15,362.25 100,395.14 2.82 18.43 1 11 9.09 100.00 1,262.25 1,857.06 67.97 100.00 8.22 1.85

15 7,500.00 10,000.00 1,029 81,377 1.22 96.11 11,911.17 112,306.30 2.19 20.61 0 11 0.00 100.00 0.00 1,857.06 0.00 100.00 0.00 1.65

16 10,000.00 20,000.00 1,400 82,777 1.65 97.77 26,025.47 138,331.77 4.78 25.39 0 11 0.00 100.00 0.00 1,857.06 0.00 100.00 0.00 1.34

17 20,000.00 50,000.00 945 83,722 1.12 98.88 38,501.19 176,832.96 7.07 32.46 0 11 0.00 100.00 0.00 1,857.06 0.00 100.00 0.00 1.05

18 50,000.00 100,000.00 367 84,089 0.43 99.31 35,672.09 212,505.05 6.55 39.00 0 11 0.00 100.00 0.00 1,857.06 0.00 100.00 0.00 0.87

19 100,000.00 500,000.00 492 84,581 0.58 99.90 144,621.72 357,126.77 26.54 65.55 0 11 0.00 100.00 0.00 1,857.06 0.00 100.00 0.00 0.52

20 500,000.00 UP 88 84,669 0.10 100.00 187,694.66 544,821.43 34.45 100.00 0 11 0.00 100.00 0.00 1,857.06 0.00 100.00 0.00 0.34

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)


79



8/15/2016


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 154 154 20.45 20.45 2.89 2.89 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 7 161 0.93 21.38 0.71 3.60 0.00 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 11 172 1.46 22.84 1.78 5.37 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 6 178 0.80 23.64 2.55 7.92 0.01 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 12 190 1.59 25.23 5.99 13.91 0.02 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 11 201 1.46 26.69 5.81 19.72 0.02 0.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 16 217 2.12 28.82 12.58 32.30 0.04 0.11 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 26 243 3.45 32.27 35.37 67.67 0.12 0.23 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 32 275 4.25 36.52 64.32 131.99 0.22 0.45 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 25 300 3.32 39.84 71.43 203.42 0.25 0.70 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 19 319 2.52 42.36 45.19 248.61 0.16 0.85 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 36 355 4.78 47.14 151.84 400.45 0.52 1.37 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 36 391 4.78 51.93 173.00 573.45 0.59 1.97 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 50 441 6.64 58.57 331.20 904.65 1.14 3.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 42 483 5.58 64.14 406.67 1,311.32 1.40 4.50 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 49 532 6.51 70.65 467.64 1,778.96 1.60 6.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 73 605 9.69 80.35 2,732.93 4,511.89 9.38 15.48 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 65 670 8.63 88.98 5,026.50 9,538.39 17.24 32.72 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 82 752 10.89 99.87 18,158.96 27,697.36 62.30 95.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 1 753 0.13 100.00 1,452.46 29,149.82 4.98 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


80



8/15/2016


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 16,426 16,426 13.19 13.19 470.66 470.66 0.04 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 6,536 22,962 5.25 18.43 774.27 1,244.93 0.07 0.11 1 1 10.00 10.00 12.24 12.24 1.96 1.96 1.58 0.98

3 100.00 200.00 8,300 31,262 6.66 25.10 1,865.35 3,110.28 0.17 0.28 0 1 0.00 10.00 0.00 12.24 0.00 1.96 0.00 0.39

4 200.00 300.00 6,111 37,373 4.91 30.00 2,298.06 5,408.34 0.21 0.48 2 3 20.00 30.00 48.74 60.97 7.80 9.76 2.12 1.13

5 300.00 500.00 15,496 52,869 12.44 42.45 9,884.11 15,292.45 0.88 1.37 0 3 0.00 30.00 0.00 60.97 0.00 9.76 0.00 0.40

6 500.00 750.00 16,271 69,140 13.06 55.51 15,848.42 31,140.87 1.42 2.78 1 4 10.00 40.00 12.24 73.21 1.96 11.72 0.08 0.24

7 750.00 1,000.00 15,191 84,331 12.20 67.70 19,987.69 51,128.55 1.79 4.57 1 5 10.00 50.00 60.00 133.21 9.61 21.33 0.30 0.26

8 1,000.00 1,500.00 9,324 93,655 7.49 75.19 16,770.19 67,898.74 1.50 6.07 1 6 10.00 60.00 112.50 245.71 18.01 39.34 0.67 0.36

9 1,500.00 2,000.00 5,369 99,024 4.31 79.50 13,931.54 81,830.28 1.25 7.32 0 6 0.00 60.00 0.00 245.71 0.00 39.34 0.00 0.30

10 2,000.00 2,500.00 3,126 102,150 2.51 82.01 10,421.43 92,251.72 0.93 8.25 2 8 20.00 80.00 347.26 592.97 55.60 94.94 3.33 0.64

11 2,500.00 3,000.00 2,587 104,737 2.08 84.09 10,449.21 102,700.93 0.93 9.18 0 8 0.00 80.00 0.00 592.97 0.00 94.94 0.00 0.58

12 3,000.00 4,000.00 3,150 107,887 2.53 86.62 15,781.43 118,482.36 1.41 10.60 0 8 0.00 80.00 0.00 592.97 0.00 94.94 0.00 0.50

13 4,000.00 5,000.00 2,352 110,239 1.89 88.50 15,360.99 133,843.35 1.37 11.97 1 9 10.00 90.00 15.75 608.72 2.52 97.47 0.10 0.45

14 5,000.00 7,500.00 3,372 113,611 2.71 91.21 29,951.04 163,794.39 2.68 14.65 1 10 10.00 100.00 15.83 624.55 2.53 100.00 0.05 0.38

15 7,500.00 10,000.00 2,170 115,781 1.74 92.95 26,905.49 190,699.87 2.41 17.05 0 10 0.00 100.00 0.00 624.55 0.00 100.00 0.00 0.33

16 10,000.00 20,000.00 3,375 119,156 2.71 95.66 67,492.89 258,192.76 6.04 23.09 0 10 0.00 100.00 0.00 624.55 0.00 100.00 0.00 0.24

17 20,000.00 50,000.00 2,938 122,094 2.36 98.02 134,937.93 393,130.69 12.07 35.16 0 10 0.00 100.00 0.00 624.55 0.00 100.00 0.00 0.16

18 50,000.00 100,000.00 1,409 123,503 1.13 99.15 121,919.55 515,050.24 10.90 46.06 0 10 0.00 100.00 0.00 624.55 0.00 100.00 0.00 0.12

19 100,000.00 500,000.00 921 124,424 0.74 99.89 257,556.94 772,607.18 23.03 69.09 0 10 0.00 100.00 0.00 624.55 0.00 100.00 0.00 0.08

20 500,000.00 UP 134 124,558 0.11 100.00 345,620.28 1,118,227.46 30.91 100.00 0 10 0.00 100.00 0.00 624.55 0.00 100.00 0.00 0.06


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


81



8/15/2016


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 1,342 1,342 7.10 7.10 39.75 39.75 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 437 1,779 2.31 9.41 45.98 85.73 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 657 2,436 3.48 12.89 138.40 224.14 0.00 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 464 2,900 2.45 15.34 165.09 389.23 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 728 3,628 3.85 19.19 440.75 829.97 0.01 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 788 4,416 4.17 23.36 706.34 1,536.31 0.02 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 773 5,189 4.09 27.45 940.64 2,476.95 0.03 0.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 1,027 6,216 5.43 32.88 1,791.52 4,268.47 0.06 0.13 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 780 6,996 4.13 37.01 1,933.40 6,201.87 0.06 0.19 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 601 7,597 3.18 40.19 1,875.29 8,077.16 0.06 0.25 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 506 8,103 2.68 42.87 1,916.44 9,993.60 0.06 0.31 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 827 8,930 4.37 47.24 3,923.54 13,917.14 0.12 0.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 604 9,534 3.20 50.44 3,779.14 17,696.28 0.12 0.55 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 1,098 10,632 5.81 56.25 9,354.75 27,051.03 0.29 0.84 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 881 11,513 4.66 60.91 11,105.24 38,156.27 0.34 1.19 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 1,775 13,288 9.39 70.30 34,992.65 73,148.92 1.09 2.27 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 2,049 15,337 10.84 81.14 93,601.68 166,750.60 2.91 5.18 1 1 100.00 100.00 200.00 200.00 100.00 100.00 0.21 0.12

18 50,000.00 100,000.00 1,271 16,608 6.72 87.86 128,527.19 295,277.79 3.99 9.17 0 1 0.00 100.00 0.00 200.00 0.00 100.00 0.00 0.07

19 100,000.00 500,000.00 1,663 18,271 8.80 96.66 530,855.10 826,132.89 16.49 25.66 0 1 0.00 100.00 0.00 200.00 0.00 100.00 0.00 0.02

20 500,000.00 UP 632 18,903 3.34 100.00 2,393,193.92 3,219,326.81 74.34 100.00 0 1 0.00 100.00 0.00 200.00 0.00 100.00 0.00 0.01


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


82



8/15/2016


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 9,235 9,235 10.14 10.14 291.68 291.68 0.05 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 8,555 17,790 9.39 19.54 1,074.41 1,366.09 0.17 0.22 1 1 25.00 25.00 15.91 15.91 16.14 16.14 1.48 1.16

3 100.00 200.00 10,794 28,584 11.85 31.39 2,250.17 3,616.26 0.37 0.59 0 1 0.00 25.00 0.00 15.91 0.00 16.14 0.00 0.44

4 200.00 300.00 8,561 37,145 9.40 40.79 3,014.97 6,631.23 0.49 1.08 1 2 25.00 50.00 7.55 23.45 7.66 23.80 0.25 0.35

5 300.00 500.00 12,750 49,895 14.00 54.79 6,842.74 13,473.97 1.11 2.19 0 2 0.00 50.00 0.00 23.45 0.00 23.80 0.00 0.17

6 500.00 750.00 8,915 58,810 9.79 64.58 7,272.55 20,746.52 1.18 3.37 1 3 25.00 75.00 22.16 45.62 22.49 46.30 0.30 0.22

7 750.00 1,000.00 7,092 65,902 7.79 72.37 8,210.28 28,956.80 1.33 4.71 1 4 25.00 100.00 52.92 98.54 53.70 100.00 0.64 0.34

8 1,000.00 1,500.00 6,908 72,810 7.59 79.96 11,240.48 40,197.28 1.83 6.53 0 4 0.00 100.00 0.00 98.54 0.00 100.00 0.00 0.25

9 1,500.00 2,000.00 4,092 76,902 4.49 84.45 9,480.75 49,678.03 1.54 8.07 0 4 0.00 100.00 0.00 98.54 0.00 100.00 0.00 0.20

10 2,000.00 2,500.00 2,516 79,418 2.76 87.21 7,387.51 57,065.54 1.20 9.27 0 4 0.00 100.00 0.00 98.54 0.00 100.00 0.00 0.17

11 2,500.00 3,000.00 1,886 81,304 2.07 89.29 6,904.50 63,970.04 1.12 10.40 0 4 0.00 100.00 0.00 98.54 0.00 100.00 0.00 0.15

12 3,000.00 4,000.00 2,229 83,533 2.45 91.73 10,138.05 74,108.09 1.65 12.04 0 4 0.00 100.00 0.00 98.54 0.00 100.00 0.00 0.13

13 4,000.00 5,000.00 1,479 85,012 1.62 93.36 8,911.19 83,019.28 1.45 13.49 0 4 0.00 100.00 0.00 98.54 0.00 100.00 0.00 0.12

14 5,000.00 7,500.00 1,799 86,811 1.98 95.33 14,246.90 97,266.17 2.32 15.81 0 4 0.00 100.00 0.00 98.54 0.00 100.00 0.00 0.10

15 7,500.00 10,000.00 1,000 87,811 1.10 96.43 11,751.89 109,018.06 1.91 17.72 0 4 0.00 100.00 0.00 98.54 0.00 100.00 0.00 0.09

16 10,000.00 20,000.00 1,372 89,183 1.51 97.94 26,631.81 135,649.87 4.33 22.04 0 4 0.00 100.00 0.00 98.54 0.00 100.00 0.00 0.07

17 20,000.00 50,000.00 930 90,113 1.02 98.96 39,000.80 174,650.68 6.34 28.38 0 4 0.00 100.00 0.00 98.54 0.00 100.00 0.00 0.06

18 50,000.00 100,000.00 369 90,482 0.41 99.36 36,660.60 211,311.27 5.96 34.34 0 4 0.00 100.00 0.00 98.54 0.00 100.00 0.00 0.05

19 100,000.00 500,000.00 495 90,977 0.54 99.91 139,581.22 350,892.49 22.68 57.02 0 4 0.00 100.00 0.00 98.54 0.00 100.00 0.00 0.03

20 500,000.00 UP 84 91,061 0.09 100.00 264,480.87 615,373.36 42.98 100.00 0 4 0.00 100.00 0.00 98.54 0.00 100.00 0.00 0.02


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


83



8/15/2016


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 11 11 2.06 2.06 0.32 0.32 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 0 11 0.00 2.06 0.07 0.39 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 7 18 1.31 3.36 1.37 1.77 0.00 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 12 30 2.24 5.61 3.92 5.68 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 22 52 4.11 9.72 12.07 17.76 0.03 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 27 79 5.05 14.77 21.04 38.79 0.06 0.11 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 16 95 2.99 17.76 16.17 54.97 0.05 0.16 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 18 113 3.36 21.12 32.44 87.41 0.09 0.25 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 21 134 3.93 25.05 42.61 130.02 0.12 0.37 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 18 152 3.36 28.41 57.80 187.82 0.16 0.53 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 14 166 2.62 31.03 54.62 242.44 0.15 0.69 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 21 187 3.93 34.95 86.75 329.19 0.25 0.93 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 20 207 3.74 38.69 151.05 480.24 0.43 1.36 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 38 245 7.10 45.79 281.77 762.00 0.80 2.16 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 24 269 4.49 50.28 295.55 1,057.55 0.84 3.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 38 307 7.10 57.38 631.91 1,689.46 1.79 4.79 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 77 384 14.39 71.78 3,015.24 4,704.70 8.55 13.35 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 80 464 14.95 86.73 8,034.58 12,739.28 22.79 36.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 68 532 12.71 99.44 14,907.45 27,646.73 42.29 78.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 3 535 0.56 100.00 7,604.09 35,250.82 21.57 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


84



8/15/2016


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 8,490 8,490 8.43 8.43 372.72 372.72 0.02 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 8,886 17,376 8.83 17.26 1,018.75 1,391.47 0.06 0.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 9,255 26,631 9.19 26.45 2,083.24 3,474.71 0.11 0.19 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 6,224 32,855 6.18 32.63 2,395.58 5,870.29 0.13 0.32 1 1 2.04 2.04 12.83 12.83 0.00 0.00 0.54 0.22

5 300.00 500.00 9,495 42,350 9.43 42.06 5,845.65 11,715.94 0.32 0.65 4 5 8.16 10.20 251.73 264.56 0.09 0.10 4.31 2.26

6 500.00 750.00 8,152 50,502 8.10 50.16 7,409.12 19,125.06 0.41 1.06 2 7 4.08 14.29 113.57 378.12 0.04 0.14 1.53 1.98

7 750.00 1,000.00 8,411 58,913 8.35 58.51 11,076.87 30,201.93 0.61 1.67 6 13 12.24 26.53 171.57 549.69 0.06 0.20 1.55 1.82

8 1,000.00 1,500.00 13,413 72,326 13.32 71.84 23,657.85 53,859.79 1.31 2.97 14 27 28.57 55.10 638.40 1,188.09 0.24 0.44 2.70 2.21

9 1,500.00 2,000.00 5,556 77,882 5.52 77.35 14,174.23 68,034.02 0.78 3.75 2 29 4.08 59.18 184.66 1,372.75 0.07 0.51 1.30 2.02

10 2,000.00 2,500.00 3,347 81,229 3.32 80.68 11,073.41 79,107.43 0.61 4.37 0 29 0.00 59.18 0.00 1,372.75 0.00 0.51 0.00 1.74

11 2,500.00 3,000.00 2,465 83,694 2.45 83.13 9,884.71 88,992.14 0.55 4.91 1 30 2.04 61.22 756.64 2,129.39 0.28 0.79 7.65 2.39

12 3,000.00 4,000.00 3,009 86,703 2.99 86.11 15,278.72 104,270.85 0.84 5.75 3 33 6.12 67.35 497.49 2,626.88 0.18 0.97 3.26 2.52

13 4,000.00 5,000.00 2,246 88,949 2.23 88.35 14,659.31 118,930.16 0.81 6.56 0 33 0.00 67.35 0.00 2,626.88 0.00 0.97 0.00 2.21

14 5,000.00 7,500.00 2,927 91,876 2.91 91.25 26,105.22 145,035.38 1.44 8.00 2 35 4.08 71.43 615.87 3,242.75 0.23 1.20 2.36 2.24

15 7,500.00 10,000.00 1,936 93,812 1.92 93.18 24,698.66 169,734.04 1.36 9.37 1 36 2.04 73.47 9.19 3,251.93 0.00 1.20 0.04 1.92

16 10,000.00 20,000.00 2,856 96,668 2.84 96.01 57,611.17 227,345.20 3.18 12.55 2 38 4.08 77.55 766.32 4,018.25 0.28 1.48 1.33 1.77

17 20,000.00 50,000.00 2,272 98,940 2.26 98.27 101,686.27 329,031.48 5.61 18.16 1 39 2.04 79.59 30.00 4,048.25 0.01 1.49 0.03 1.23

18 50,000.00 100,000.00 880 99,820 0.87 99.14 86,680.07 415,711.55 4.78 22.94 4 43 8.16 87.76 7,582.27 11,630.52 2.80 4.29 8.75 2.80

19 100,000.00 500,000.00 737 100,557 0.73 99.87 204,973.86 620,685.41 11.31 34.25 5 48 10.20 97.96 259,588.19 271,218.71 95.70 99.99 126.64 43.70

20 500,000.00 UP 126 100,683 0.13 100.00 1,191,282.95 1,811,968.36 65.75 100.00 1 49 2.04 100.00 27.81 271,246.52 0.01 100.00 0.00 14.97


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


85



8/15/2016


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 1,687 1,687 9.15 9.15 43.99 43.99 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 410 2,097 2.22 11.38 47.24 91.23 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 640 2,737 3.47 14.85 151.09 242.32 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 583 3,320 3.16 18.01 200.66 442.98 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 760 4,080 4.12 22.13 480.73 923.70 0.02 0.04 1 1 20.00 20.00 17.43 17.43 1.96 1.96 3.63 1.89

6 500.00 750.00 795 4,875 4.31 26.45 772.20 1,695.90 0.03 0.08 0 1 0.00 20.00 0.00 17.43 0.00 1.96 0.00 1.03

7 750.00 1,000.00 746 5,621 4.05 30.49 977.33 2,673.24 0.04 0.12 0 1 0.00 20.00 0.00 17.43 0.00 1.96 0.00 0.65

8 1,000.00 1,500.00 1,050 6,671 5.70 36.19 1,960.71 4,633.95 0.09 0.21 0 1 0.00 20.00 0.00 17.43 0.00 1.96 0.00 0.38

9 1,500.00 2,000.00 782 7,453 4.24 40.43 2,084.51 6,718.46 0.09 0.30 0 1 0.00 20.00 0.00 17.43 0.00 1.96 0.00 0.26

10 2,000.00 2,500.00 628 8,081 3.41 43.84 2,202.27 8,920.73 0.10 0.40 1 2 20.00 40.00 42.58 60.02 4.78 6.74 1.93 0.67

11 2,500.00 3,000.00 543 8,624 2.95 46.79 2,232.89 11,153.62 0.10 0.51 1 3 20.00 60.00 36.70 96.71 4.12 10.87 1.64 0.87

12 3,000.00 4,000.00 766 9,390 4.16 50.94 4,011.47 15,165.09 0.18 0.69 1 4 20.00 80.00 54.86 151.58 6.16 17.03 1.37 1.00

13 4,000.00 5,000.00 629 10,019 3.41 54.35 4,203.25 19,368.34 0.19 0.88 0 4 0.00 80.00 0.00 151.58 0.00 17.03 0.00 0.78

14 5,000.00 7,500.00 1,103 11,122 5.98 60.34 9,849.84 29,218.18 0.45 1.32 0 4 0.00 80.00 0.00 151.58 0.00 17.03 0.00 0.52

15 7,500.00 10,000.00 895 12,017 4.86 65.19 11,874.02 41,092.20 0.54 1.86 1 5 20.00 100.00 738.48 890.06 82.97 100.00 6.22 2.17

16 10,000.00 20,000.00 1,636 13,653 8.88 74.07 34,861.28 75,953.48 1.58 3.44 0 5 0.00 100.00 0.00 890.06 0.00 100.00 0.00 1.17

17 20,000.00 50,000.00 1,800 15,453 9.77 83.83 84,914.17 160,867.65 3.85 7.29 0 5 0.00 100.00 0.00 890.06 0.00 100.00 0.00 0.55

18 50,000.00 100,000.00 1,191 16,644 6.46 90.29 122,606.23 283,473.88 5.55 12.84 0 5 0.00 100.00 0.00 890.06 0.00 100.00 0.00 0.31

19 100,000.00 500,000.00 1,317 17,961 7.14 97.44 420,571.68 704,045.57 19.05 31.89 0 5 0.00 100.00 0.00 890.06 0.00 100.00 0.00 0.13

20 500,000.00 UP 472 18,433 2.56 100.00 1,503,763.57 2,207,809.14 68.11 100.00 0 5 0.00 100.00 0.00 890.06 0.00 100.00 0.00 0.04


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


86



8/15/2016


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 5,605 5,605 8.02 8.02 219.45 219.45 0.05 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 5,309 10,914 7.60 15.62 611.98 831.44 0.13 0.18 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 9,346 20,260 13.38 29.00 2,078.84 2,910.28 0.44 0.61 2 2 25.00 25.00 7.47 7.47 7.15 7.15 0.36 0.26

4 200.00 300.00 7,164 27,424 10.25 39.25 2,617.01 5,527.29 0.55 1.16 2 4 25.00 50.00 25.52 32.98 24.42 31.57 0.98 0.60

5 300.00 500.00 9,567 36,991 13.69 52.94 5,439.56 10,966.85 1.15 2.31 0 4 0.00 50.00 0.00 32.98 0.00 31.57 0.00 0.30

6 500.00 750.00 6,555 43,546 9.38 62.32 5,625.22 16,592.07 1.19 3.50 2 6 25.00 75.00 11.90 44.88 11.39 42.96 0.21 0.27

7 750.00 1,000.00 5,418 48,964 7.75 70.08 6,561.73 23,153.80 1.38 4.88 0 6 0.00 75.00 0.00 44.88 0.00 42.96 0.00 0.19

8 1,000.00 1,500.00 5,430 54,394 7.77 77.85 9,313.91 32,467.71 1.96 6.84 1 7 12.50 87.50 45.00 89.88 43.07 86.02 0.48 0.28

9 1,500.00 2,000.00 3,284 57,678 4.70 82.55 7,948.98 40,416.68 1.67 8.52 0 7 0.00 87.50 0.00 89.88 0.00 86.02 0.00 0.22

10 2,000.00 2,500.00 2,022 59,700 2.89 85.44 6,306.99 46,723.68 1.33 9.85 0 7 0.00 87.50 0.00 89.88 0.00 86.02 0.00 0.19

11 2,500.00 3,000.00 1,509 61,209 2.16 87.60 5,860.98 52,584.65 1.24 11.08 0 7 0.00 87.50 0.00 89.88 0.00 86.02 0.00 0.17

12 3,000.00 4,000.00 1,972 63,181 2.82 90.42 9,521.23 62,105.89 2.01 13.09 0 7 0.00 87.50 0.00 89.88 0.00 86.02 0.00 0.14

13 4,000.00 5,000.00 1,216 64,397 1.74 92.16 7,594.22 69,700.11 1.60 14.69 0 7 0.00 87.50 0.00 89.88 0.00 86.02 0.00 0.13

14 5,000.00 7,500.00 1,600 65,997 2.29 94.45 13,460.06 83,160.16 2.84 17.52 0 7 0.00 87.50 0.00 89.88 0.00 86.02 0.00 0.11

15 7,500.00 10,000.00 923 66,920 1.32 95.77 11,430.40 94,590.57 2.41 19.93 0 7 0.00 87.50 0.00 89.88 0.00 86.02 0.00 0.10

16 10,000.00 20,000.00 1,338 68,258 1.91 97.69 26,473.68 121,064.24 5.58 25.51 0 7 0.00 87.50 0.00 89.88 0.00 86.02 0.00 0.07

17 20,000.00 50,000.00 810 69,068 1.16 98.85 36,092.33 157,156.57 7.61 33.12 1 8 12.50 100.00 14.60 104.49 13.98 100.00 0.04 0.07

18 50,000.00 100,000.00 363 69,431 0.52 99.37 39,025.73 196,182.30 8.22 41.34 0 8 0.00 100.00 0.00 104.49 0.00 100.00 0.00 0.05

19 100,000.00 500,000.00 368 69,799 0.53 99.89 126,641.04 322,823.34 26.69 68.02 0 8 0.00 100.00 0.00 104.49 0.00 100.00 0.00 0.03

20 500,000.00 UP 74 69,873 0.11 100.00 151,744.29 474,567.62 31.98 100.00 0 8 0.00 100.00 0.00 104.49 0.00 100.00 0.00 0.02


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


87



8/15/2016

OCCUPATION :AGRICULTURAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 3 3 0.71 0.71 0.25 0.25 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 3 6 0.71 1.43 0.61 0.86 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 4 10 0.95 2.38 1.07 1.93 0.00 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 9 19 2.14 4.52 3.20 5.13 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 18 37 4.29 8.81 10.51 15.64 0.04 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 31 68 7.38 16.19 28.12 43.76 0.10 0.15 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 9 77 2.14 18.33 13.92 57.68 0.05 0.20 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 16 93 3.81 22.14 28.09 85.76 0.10 0.29 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 23 116 5.48 27.62 54.94 140.71 0.19 0.48 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 11 127 2.62 30.24 35.38 176.09 0.12 0.60 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 19 146 4.52 34.76 59.18 235.27 0.20 0.80 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 18 164 4.29 39.05 71.42 306.69 0.24 1.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 13 177 3.10 42.14 98.66 405.35 0.34 1.38 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 30 207 7.14 49.29 246.98 652.33 0.84 2.22 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 21 228 5.00 54.29 265.21 917.54 0.90 3.12 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 28 256 6.67 60.95 499.62 1,417.16 1.70 4.82 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 58 314 13.81 74.76 2,645.23 4,062.38 8.99 13.81 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 48 362 11.43 86.19 4,367.47 8,429.85 14.85 28.65 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 52 414 12.38 98.57 12,434.00 20,863.85 42.26 70.92 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 6 420 1.43 100.00 8,555.38 29,419.23 29.08 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


88



8/15/2016

OCCUPATION :COMMERCIAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 10,443 10,443 11.04 11.04 476.15 476.15 0.07 0.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 8,603 19,046 9.09 20.13 1,033.98 1,510.13 0.16 0.23 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 9,715 28,761 10.27 30.40 2,158.78 3,668.90 0.33 0.56 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 6,313 35,074 6.67 37.08 2,392.54 6,061.44 0.36 0.92 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 9,341 44,415 9.87 46.95 5,709.18 11,770.62 0.87 1.79 1 1 6.25 6.25 17.44 17.44 1.07 1.07 0.31 0.15

6 500.00 750.00 7,218 51,633 7.63 54.58 6,604.37 18,374.99 1.00 2.79 0 1 0.00 6.25 0.00 17.44 0.00 1.07 0.00 0.09

7 750.00 1,000.00 8,541 60,174 9.03 63.61 11,188.93 29,563.92 1.70 4.49 0 1 0.00 6.25 0.00 17.44 0.00 1.07 0.00 0.06

8 1,000.00 1,500.00 10,626 70,800 11.23 74.85 18,651.16 48,215.08 2.83 7.32 0 1 0.00 6.25 0.00 17.44 0.00 1.07 0.00 0.04

9 1,500.00 2,000.00 4,660 75,460 4.93 79.77 12,098.53 60,313.61 1.84 9.16 3 4 18.75 25.00 410.61 428.05 25.09 26.15 3.39 0.71

10 2,000.00 2,500.00 2,712 78,172 2.87 82.64 8,783.51 69,097.12 1.33 10.50 1 5 6.25 31.25 62.33 490.38 3.81 29.96 0.71 0.71

11 2,500.00 3,000.00 2,112 80,284 2.23 84.87 8,418.14 77,515.26 1.28 11.77 2 7 12.50 43.75 58.21 548.59 3.56 33.52 0.69 0.71

12 3,000.00 4,000.00 2,652 82,936 2.80 87.67 13,478.21 90,993.46 2.05 13.82 0 7 0.00 43.75 0.00 548.59 0.00 33.52 0.00 0.60

13 4,000.00 5,000.00 1,888 84,824 2.00 89.67 12,328.76 103,322.22 1.87 15.69 0 7 0.00 43.75 0.00 548.59 0.00 33.52 0.00 0.53

14 5,000.00 7,500.00 2,515 87,339 2.66 92.33 21,703.42 125,025.65 3.30 18.99 2 9 12.50 56.25 319.96 868.55 19.55 53.07 1.47 0.69

15 7,500.00 10,000.00 1,603 88,942 1.69 94.02 19,884.85 144,910.50 3.02 22.01 2 11 12.50 68.75 462.93 1,331.48 28.28 81.35 2.33 0.92

16 10,000.00 20,000.00 2,430 91,372 2.57 96.59 48,125.71 193,036.21 7.31 29.32 4 15 25.00 93.75 301.07 1,632.55 18.40 99.75 0.63 0.85

17 20,000.00 50,000.00 1,804 93,176 1.91 98.50 76,777.13 269,813.35 11.66 40.98 0 15 0.00 93.75 0.00 1,632.55 0.00 99.75 0.00 0.61

18 50,000.00 100,000.00 784 93,960 0.83 99.33 70,036.07 339,849.42 10.64 51.62 0 15 0.00 93.75 0.00 1,632.55 0.00 99.75 0.00 0.48

19 100,000.00 500,000.00 539 94,499 0.57 99.90 151,541.43 491,390.85 23.02 74.64 1 16 6.25 100.00 4.14 1,636.69 0.25 100.00 0.00 0.33

20 500,000.00 UP 96 94,595 0.10 100.00 166,986.02 658,376.86 25.36 100.00 0 16 0.00 100.00 0.00 1,636.69 0.00 100.00 0.00 0.25


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


89



8/15/2016

OCCUPATION :INDUSTRIAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 990 990 5.76 5.76 33.85 33.85 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 486 1,476 2.83 8.58 54.61 88.46 0.00 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 721 2,197 4.19 12.77 167.45 255.92 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 679 2,876 3.95 16.72 248.70 504.62 0.01 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 825 3,701 4.80 21.52 518.87 1,023.49 0.03 0.06 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 739 4,440 4.30 25.82 707.88 1,731.37 0.04 0.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 689 5,129 4.01 29.82 947.19 2,678.55 0.06 0.16 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 1,006 6,135 5.85 35.67 2,009.74 4,688.29 0.12 0.28 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 717 6,852 4.17 39.84 1,940.80 6,629.10 0.12 0.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 606 7,458 3.52 43.36 2,042.24 8,671.33 0.12 0.51 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 532 7,990 3.09 46.46 2,205.97 10,877.31 0.13 0.65 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 769 8,759 4.47 50.93 4,007.81 14,885.12 0.24 0.88 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 607 9,366 3.53 54.46 4,012.28 18,897.40 0.24 1.12 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 1,077 10,443 6.26 60.72 9,677.81 28,575.21 0.57 1.69 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 829 11,272 4.82 65.54 10,334.42 38,909.63 0.61 2.31 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 1,583 12,855 9.20 74.74 32,225.36 71,134.99 1.91 4.22 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 1,720 14,575 10.00 84.74 77,414.42 148,549.40 4.59 8.81 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 1,009 15,584 5.87 90.61 99,188.45 247,737.86 5.88 14.69 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 1,210 16,794 7.04 97.65 346,315.14 594,053.00 20.54 35.23 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 405 17,199 2.35 100.00 1,092,020.03 1,686,073.03 64.77 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

‎‎∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


90



15/8/2016

OCCUPATION :RESIDENTIAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 5,919 5,919 9.61 9.61 179.14 179.14 0.05 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 4,491 10,410 7.29 16.90 506.71 685.85 0.15 0.20 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 8,836 19,246 14.34 31.24 1,921.15 2,607.00 0.55 0.75 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 6,704 25,950 10.88 42.12 2,440.30 5,047.30 0.70 1.45 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 8,943 34,893 14.51 56.63 5,114.43 10,161.73 1.47 2.92 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 5,809 40,702 9.43 66.06 4,990.55 15,152.28 1.44 4.36 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 4,788 45,490 7.77 73.83 5,803.42 20,955.70 1.67 6.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 4,542 50,032 7.37 81.20 7,726.43 28,682.13 2.22 8.25 1 1 50.00 50.00 28.31 28.31 20.82 20.82 0.37 0.10

9 1,500.00 2,000.00 2,600 52,632 4.22 85.42 6,275.31 34,957.44 1.81 10.06 0 1 0.00 50.00 0.00 28.31 0.00 20.82 0.00 0.08

10 2,000.00 2,500.00 1,562 54,194 2.54 87.96 4,863.56 39,821.00 1.40 11.46 0 1 0.00 50.00 0.00 28.31 0.00 20.82 0.00 0.07

11 2,500.00 3,000.00 1,220 55,414 1.98 89.94 4,642.56 44,463.55 1.34 12.79 0 1 0.00 50.00 0.00 28.31 0.00 20.82 0.00 0.06

12 3,000.00 4,000.00 1,435 56,849 2.33 92.27 6,998.57 51,462.13 2.01 14.81 1 2 50.00 100.00 107.67 135.98 79.18 100.00 1.54 0.26

13 4,000.00 5,000.00 911 57,760 1.48 93.75 5,891.07 57,353.20 1.70 16.50 0 2 0.00 100.00 0.00 135.98 0.00 100.00 0.00 0.24

14 5,000.00 7,500.00 1,190 58,950 1.93 95.68 10,303.52 67,656.72 2.96 19.47 0 2 0.00 100.00 0.00 135.98 0.00 100.00 0.00 0.20

15 7,500.00 10,000.00 687 59,637 1.12 96.79 8,691.00 76,347.72 2.50 21.97 0 2 0.00 100.00 0.00 135.98 0.00 100.00 0.00 0.18

16 10,000.00 20,000.00 906 60,543 1.47 98.26 20,089.83 96,437.55 5.78 27.75 0 2 0.00 100.00 0.00 135.98 0.00 100.00 0.00 0.14

17 20,000.00 50,000.00 527 61,070 0.86 99.12 24,717.32 121,154.87 7.11 34.86 0 2 0.00 100.00 0.00 135.98 0.00 100.00 0.00 0.11

18 50,000.00 100,000.00 222 61,292 0.36 99.48 21,729.28 142,884.15 6.25 41.11 0 2 0.00 100.00 0.00 135.98 0.00 100.00 0.00 0.10

19 100,000.00 500,000.00 277 61,569 0.45 99.93 88,860.58 231,744.73 25.57 66.68 0 2 0.00 100.00 0.00 135.98 0.00 100.00 0.00 0.06

20 500,000.00 UP 44 61,613 0.07 100.00 115,787.78 347,532.51 33.32 100.00 0 2 0.00 100.00 0.00 135.98 0.00 100.00 0.00 0.04


RISK & LOSS PROFILE

As At 30/06/2016

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


91


UNDERWRITING YEAR : PROCESSING DATE :

POLICY STATUS :

% Amount % Amount % Amount % %

BANDA ACEH 1.1 0.04

MEDAN 1.2 2.33

OTHERS 1.3 0.98

NORTH SUMATERA 1 3.35

PADANG 2.1 0.65

PALEMBANG 2.2 0.43

OTHERS 2.3 7.68

SOUTH SUMATERA 2 8.77

JAKARTA 3.1 17.59

BANDUNG 3.2 0.56

OTHERS 3.3 40.07

WEST JAVA 3 58.21

SEMARANG 4.1 0.26

YOGYAKARTA 4.2 0.41

OTHERS 4.3 6.16

CENTRAL JAVA 4 6.83

SURABAYA 5.1 2.41

OTHERS 5.2 8.58

EAST JAVA 5 10.99

KALIMANTAN 6 4.89

UJUNG PANDANG 7.1 0.54

OTHERS 7.2 1.71

SULAWESI 7 2.25

OTHERS 8 4.72

NATIONAL AGGREGAT

EXPOSURENATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCYCRESTA ZONE

Amount Amount


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE

As At 30/06/2016

2016 15/08/2016

A;C;E;N;R In IDR

0.00 0 0.00

16,924,429,258,172.10 24,267,967,170.29 2.62 2,197 4.06 0.00 0.00

308,707,705,986.40 582,199,018.41 0.06 177 0.33 0.00

0 0.00

7,107,360,161,794.93 11,551,033,182.44 1.25 1,106 2.04 0.00 0.00 0 0.00

24,340,497,125,953.40 36,401,199,371.14 3.93 3,480 6.42 0.00 0.00 0 0.00

0.00 0 0.00

3,123,401,714,595.80 3,150,570,456.83 0.34 474 0.88 0.00 0.00

4,763,490,870,436.16 8,736,272,197.04 0.94 4,008 7.40 0.00

0 0.00

55,910,532,833,841.20 65,113,224,566.56 7.04 6,119 11.30 510,000,000.00 87.18 4 80.00

63,797,425,418,873.20 77,000,067,220.43 8.32 10,601 19.57 510,000,000.00 87.18 4 80.00

12.82 1 20.00

4,051,668,042,362.95 7,670,076,939.60 0.83 723 1.33 0.00 0.00

127,948,814,292,811.00 186,487,644,888.00 20.16 11,255 20.78 75,000,000.00

0 0.00

291,510,816,814,857.00 373,233,139,047.43 40.34 11,698 21.59 0.00 0.00 0 0.00

423,511,299,150,032.00 567,390,860,875.03 61.32 23,676 43.71 75,000,000.00 12.82 1 20.00

0.00 0 0.00

2,978,693,218,571.78 4,247,908,254.61 0.46 675 1.25 0.00 0.00

1,895,364,569,546.20 1,944,263,732.23 0.21 261 0.48 0.00

0 0.00

44,802,121,744,416.20 62,541,316,916.86 6.76 3,377 6.23 0.00 0.00 0 0.00

49,676,179,532,534.20 68,733,488,903.70 7.43 4,313 7.96 0.00 0.00 0 0.00

0.00 0 0.00

62,420,837,529,183.90 62,484,450,462.93 6.75 2,561 4.73 0.00 0.00

17,568,877,420,245.30 17,918,094,212.23 1.94 1,486 2.74 0.00

0 0.00

79,989,714,949,429.20 80,402,544,675.16 8.69 4,047 7.47 0.00 0.00 0 0.00

35,559,627,143,738.70 26,711,781,281.92 2.89 1,217 2.25 0.00 0.00 0 0.00

0.00 0 0.00

12,441,738,251,813.70 16,742,850,495.65 1.81 1,385 2.56 0.00 0.00

3,918,262,910,018.42 3,369,143,477.84 0.36 501 0.92 0.00

0 0.00

16,360,001,161,832.10 20,111,993,973.49 2.17 1,886 3.48 0.00 0.00 0 0.00

34,340,741,542,127.20 48,483,383,984.82 5.24 4,951 9.14 0.00 0.00 0 0.00

100.00 585,000,000.00 100.00 5 100.00T O T A L 727,575,486,024,520.00 100.00 925,235,320,285.69 100.00 54,171


92



POLICY STATUS :


BANDA ACEH 1.1 0.17

MEDAN 1.2 1.80

OTHERS 1.3 2.08


PADANG 2.1 1.03

PALEMBANG 2.2 0.95

OTHERS 2.3 8.21


JAKARTA 3.1 17.01

BANDUNG 3.2 0.45

OTHERS 3.3 27.57

WEST JAVA 3 45.03

SEMARANG 4.1 0.37

YOGYAKARTA 4.2 11.15

OTHERS 4.3 4.92

CENTRAL JAVA 4 16.44

SURABAYA 5.1 2.03

OTHERS 5.2 9.94

EAST JAVA 5 11.97

KALIMANTAN 6 4.45


OTHERS 7.2 3.78

SULAWESI 7 4.33

OTHERS 8 3.54

NATIONAL AGGREGAT


Amount Amount



As At 30/06/2016

2015 15/08/2016

A;C;E;N;R In IDR

0.00 0 0.00

63,889,296,581,726.00 97,225,437,051.47 1.87 7,725 3.42 0.00 0.00

6,141,601,804,000.44 11,785,599,285.02 0.23 718 0.32 0.00

0 0.00

73,669,154,188,693.50 126,734,201,855.26 2.44 5,079 2.25 73,970,453.00 0.48 1 2.63

143,700,052,574,420.00 235,745,238,191.75 4.55 13,522 5.98 73,970,453.00 0.48 1 2.63

0.00 0 0.00

33,798,674,812,124.20 36,572,926,437.13 0.71 2,271 1.00 0.00 0.00

36,655,158,022,094.80 70,819,531,809.72 1.37 12,553 5.55 0.00

0 0.00

291,161,279,894,249.00 407,664,855,919.00 7.86 22,157 9.80 1,020,000,000.00 6.58 3 7.89

361,615,112,728,468.00 515,057,314,165.85 9.93 36,981 16.36 1,020,000,000.00 6.58 3 7.89

0.00 0 0.00

15,986,486,875,449.30 28,163,366,145.05 0.54 2,670 1.18 50,000,000.00 0.32

603,665,395,916,498.00 951,905,134,288.47 18.35 51,072 22.59 0.00

1 2.63

978,294,317,135,281.00 1,467,153,062,779.34 28.29 50,174 22.19 1,267,824,079.50 8.18 4 10.53

1,597,946,199,927,230.00 2,447,221,563,212.86 47.19 103,916 45.97 1,317,824,079.50 8.50 5 13.16

0.00 0 0.00

395,664,005,102,035.00 674,987,543,541.51 13.01 2,769 1.22 1,262,250,000.00 8.14

13,098,483,886,134.10 15,651,806,441.84 0.30 1,132 0.50 0.00

1 2.63

174,512,888,913,458.00 234,935,854,063.27 4.53 15,596 6.90 0.00 0.00 0 0.00

583,275,377,901,628.00 925,575,204,046.62 17.85 19,497 8.62 1,262,250,000.00 8.14 1 2.63

0.00 0 0.00

352,639,211,942,010.00 420,043,509,708.71 8.10 11,672 5.16 98,665,500.00 0.64

72,071,237,723,636.00 85,971,069,109.68 1.66 6,730 2.98 0.00

2 5.26

424,710,449,665,646.00 506,014,578,818.39 9.76 18,402 8.14 98,665,500.00 0.64 2 5.26

158,061,990,536,773.00 142,758,067,473.81 2.75 7,460 3.30 8,380,965,985.00 54.08 3 7.89

0.00 0 0.00

134,217,142,489,941.00 199,208,722,783.98 3.84 6,578 2.91 0.00 0.00

19,283,668,388,191.90 17,703,152,061.96 0.34 2,846 1.26 0.00

0 0.00

153,500,810,878,133.00 216,911,874,845.94 4.18 9,424 4.17 0.00 0.00 0 0.00

125,612,350,226,111.00 196,969,963,920.42 3.80 16,867 7.46 3,343,759,661.00 21.58 23 60.53

100.00 15,497,435,678.50 100.00 38 100.00T O T A L 3,548,422,344,438,400.00 100.00 5,186,253,804,675.64 100.00 226,069


93



POLICY STATUS :


BANDA ACEH 1.1 0.21

MEDAN 1.2 1.67

OTHERS 1.3 1.87


PADANG 2.1 0.97

PALEMBANG 2.2 0.69

OTHERS 2.3 6.43


JAKARTA 3.1 21.06

BANDUNG 3.2 0.38

OTHERS 3.3 36.22

WEST JAVA 3 57.66

SEMARANG 4.1 0.28

YOGYAKARTA 4.2 0.45

OTHERS 4.3 4.83

CENTRAL JAVA 4 5.56

SURABAYA 5.1 2.46

OTHERS 5.2 10.87

EAST JAVA 5 13.33

KALIMANTAN 6 4.57


OTHERS 7.2 3.17

SULAWESI 7 3.95

OTHERS 8 3.10

NATIONAL AGGREGAT


Amount Amount



As At 30/06/2016

2014 15/08/2016

A;C;E;N;R In IDR

0.00 0 0.00

52,110,368,958,437.30 72,239,187,422.85 1.45 7,670 3.26 0.00 0.00

6,475,407,234,598.72 13,175,727,569.19 0.26 629 0.27 0.00

0 0.00

58,517,015,258,588.10 94,567,523,054.24 1.90 5,713 2.43 0.00 0.00 0 0.00

117,102,791,451,624.00 179,982,438,046.28 3.61 14,012 5.96 0.00 0.00 0 0.00

1.89 2 13.33

21,554,336,242,458.30 23,252,717,000.77 0.47 2,003 0.85 0.00 0.00

30,371,967,358,753.50 58,718,139,431.00 1.18 13,038 5.54 17,491,400.00

0 0.00

201,166,817,295,695.00 264,930,167,745.64 5.32 22,947 9.75 0.00 0.00 0 0.00

253,093,120,896,907.00 346,901,024,177.41 6.96 37,988 16.15 17,491,400.00 1.89 2 13.33

0.00 0 0.00

11,893,458,933,650.00 19,254,064,602.35 0.39 2,240 0.95 0.00 0.00

658,917,880,791,553.00 1,073,263,352,012.98 21.54 56,596 24.06 0.00

0 0.00

1,133,077,727,588,530.00 2,013,038,160,095.69 40.41 49,958 21.23 0.00 0.00 0 0.00

1,803,889,067,313,730.00 3,105,555,576,711.02 62.33 108,794 46.24 0.00 0.00 0 0.00

0.00 0 0.00

14,163,785,910,344.90 21,779,543,027.53 0.44 2,673 1.14 0.00 0.00

8,625,538,080,025.90 12,202,049,078.47 0.24 1,225 0.52 0.00

0 0.00

151,207,217,056,487.00 215,485,150,196.70 4.33 15,389 6.54 0.00 0.00 0 0.00

173,996,541,046,858.00 249,466,742,302.70 5.01 19,287 8.20 0.00 0.00 0 0.00

0.00 0 0.00

340,158,955,158,059.00 498,107,485,090.33 10.00 12,371 5.26 111,029,676.05 12.03

76,850,867,284,379.20 106,515,986,624.73 2.14 8,730 3.71 0.00

3 20.00

417,009,822,442,438.00 604,623,471,715.06 12.14 21,101 8.97 111,029,676.05 12.03 3 20.00

142,879,365,910,800.00 148,586,792,650.71 2.98 8,043 3.42 0.00 0.00 0 0.00

0.00 0 0.00

99,234,279,627,988.20 157,425,936,082.13 3.16 6,572 2.79 78,511,425.00 8.51

24,311,146,578,168.80 28,032,235,030.75 0.56 2,469 1.05 0.00

3 20.00

123,545,426,206,157.00 185,458,171,112.88 3.72 9,041 3.84 78,511,425.00 8.51 3 20.00

96,893,588,579,564.60 161,503,229,586.14 3.24 17,009 7.23 716,054,642.51 77.57 7 46.67

100.00 923,087,143.56 100.00 15 100.00T O T A L 3,128,409,723,848,080.00 100.00 4,982,077,446,302.20 100.00 235,275


94



POLICY STATUS :


BANDA ACEH 1.1 0.17

MEDAN 1.2 1.74

OTHERS 1.3 1.80


PADANG 2.1 0.99

PALEMBANG 2.2 0.84

OTHERS 2.3 5.47


JAKARTA 3.1 15.79

BANDUNG 3.2 0.38

OTHERS 3.3 35.81

WEST JAVA 3 51.98

SEMARANG 4.1 0.32

YOGYAKARTA 4.2 0.31

OTHERS 4.3 4.96

CENTRAL JAVA 4 5.59

SURABAYA 5.1 4.87

OTHERS 5.2 8.45

EAST JAVA 5 13.32

KALIMANTAN 6 4.65


OTHERS 7.2 1.42

SULAWESI 7 1.94

OTHERS 8 11.50

NATIONAL AGGREGAT


Amount Amount



As At 30/06/2016

2013 15/08/2016

A;C;E;N;R In IDR

0.01 1 1.61

48,019,992,924,050.20 65,223,188,467.82 1.44 6,621 3.49 0.00 0.00

4,631,184,023,255.03 8,793,701,049.39 0.19 619 0.33 21,000,000.00

0 0.00

49,698,131,924,414.50 76,015,361,701.04 1.68 4,058 2.14 0.00 0.00 0 0.00

102,349,308,871,720.00 150,032,251,218.25 3.31 11,298 5.96 21,000,000.00 0.01 1 1.61

0.00 1 1.61

23,230,068,194,777.00 24,543,573,931.00 0.54 1,879 0.99 0.00 0.00

27,224,177,532,224.50 52,486,316,668.76 1.16 10,870 5.74 6,710,774.00

0 0.00

150,917,658,041,520.00 195,095,364,770.60 4.31 18,026 9.51 3,997,822.00 0.00 1 1.61

201,371,903,768,522.00 272,125,255,370.36 6.01 30,775 16.24 10,708,596.00 0.00 2 3.23

0.00 0 0.00

10,570,455,885,753.00 16,529,374,668.67 0.36 2,131 1.12 22,511,000.00 0.01

435,498,377,729,793.00 701,981,021,509.03 15.50 47,690 25.16 0.00

1 1.61

987,768,369,777,405.00 1,693,953,972,756.56 37.40 38,938 20.55 0.00 0.00 0 0.00

1,433,837,203,392,950.00 2,412,464,368,934.26 53.26 88,759 46.83 22,511,000.00 0.01 1 1.61

0.00 0 0.00

8,573,422,953,780.61 13,359,528,097.89 0.29 2,194 1.16 1,623,236,421.00 0.60

8,898,713,851,285.73 11,848,913,643.96 0.26 921 0.49 0.00

6 9.68

136,817,917,431,266.00 186,340,867,155.20 4.11 10,553 5.57 7,391,016,709.83 2.71 6 9.68

154,290,054,236,332.00 211,549,308,897.05 4.67 13,668 7.21 9,014,253,130.83 3.31 12 19.35

0.00 0 0.00

233,182,071,594,038.00 342,468,451,316.90 7.56 8,456 4.46 263,077,555,767.99 96.63

134,246,529,078,293.00 220,165,202,017.78 4.86 6,256 3.30 0.00

41 66.13

367,428,600,672,331.00 562,633,653,334.68 12.42 14,712 7.76 263,077,555,767.99 96.63 41 66.13

128,384,392,940,167.00 133,815,627,170.69 2.95 7,069 3.73 0.00 0.00 0 0.00

0.00 0 0.00

39,288,281,762,787.70 63,921,593,589.15 1.41 6,272 3.31 53,658,000.00 0.02

14,118,612,393,835.50 14,247,083,505.40 0.31 2,059 1.09 0.00

1 1.61

53,406,894,156,623.20 78,168,677,094.55 1.73 8,331 4.40 53,658,000.00 0.02 1 1.61

317,201,596,012,869.00 708,806,799,296.84 15.65 14,912 7.87 41,377,662.88 0.02 4 6.45

100.00 272,241,064,157.70 100.00 62 100.00T O T A L 2,758,269,954,051,520.00 100.00 4,529,595,941,316.68 100.00 189,524


95



POLICY STATUS :


BANDA ACEH 1.1 0.20

MEDAN 1.2 2.02

OTHERS 1.3 2.02


PADANG 2.1 0.97

PALEMBANG 2.2 0.96

OTHERS 2.3 6.82


JAKARTA 3.1 20.27

BANDUNG 3.2 0.56

OTHERS 3.3 33.56

WEST JAVA 3 54.39

SEMARANG 4.1 0.36

YOGYAKARTA 4.2 0.47

OTHERS 4.3 5.21

CENTRAL JAVA 4 6.04

SURABAYA 5.1 2.60

OTHERS 5.2 12.26

EAST JAVA 5 14.86

KALIMANTAN 6 5.14


OTHERS 7.2 2.74

SULAWESI 7 3.26

OTHERS 8 3.32

A;C;E;N;R In IDR

NATIONAL AGGREGAT EXPOSURE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY



As At 30/06/2016

2012

CRESTA ZONE

Amount Amount

3,887,973,784,587.20 7,358,293,470.29 0.27 591 0.34 1,338,645,096.00 75.52 6 33.33

39,930,432,753,351.10 49,827,911,349.22 1.83 6,014 3.46 14,936,201.00 0.84 2 11.11

39,955,150,550,405.30 52,403,810,973.16 1.93 4,665 2.68 0.00 0.00 0 0.00

76.36 8 44.44

19,055,410,642,420.70 35,946,417,129.86 1.32 10,881 6.26 0.00 0.00

83,773,557,088,343.60 109,590,015,792.67 4.03 11,270 6.48 1,353,581,297.00

0 0.00

19,002,600,284,678.90 17,787,082,345.65 0.65 1,536 0.88 0.00 0.00 0 0.00

134,587,644,567,246.00 156,352,267,409.20 5.75 17,450 10.04 28,314,000.00 1.60 1 5.56

1.60 1 5.56

400,177,640,620,151.00 600,168,864,300.49 22.05 36,284 20.87 0.00 0.00

172,645,655,494,345.00 210,085,766,884.71 7.72 29,867 17.18 28,314,000.00

0 0.00

11,047,671,688,987.80 16,558,379,845.44 0.61 1,991 1.15 0.00 0.00 0 0.00

662,621,262,221,902.00 967,810,413,315.05 35.56 36,740 21.14 17,438,200.00 0.98 1 5.56

0.98 1 5.56

7,152,358,175,509.66 8,914,059,462.70 0.33 810 0.47 0.00 0.00

1,073,846,574,531,040.00 1,584,537,657,460.98 58.23 75,015 43.15 17,438,200.00

0 0.00

9,305,354,884,895.54 14,164,989,798.35 0.52 2,314 1.33 0.00 0.00 0 0.00

102,787,042,600,585.00 128,804,438,779.71 4.73 10,375 5.97 0.00 0.00 0 0.00

0.00 0 0.00

51,275,273,090,249.70 65,676,958,636.45 2.41 6,197 3.57 0.00 0.00

119,244,755,660,990.00 151,883,488,040.76 5.58 13,499 7.77 0.00

0 0.00

242,017,361,804,202.00 314,183,075,268.54 11.54 7,852 4.52 0.00 0.00 0 0.00

293,292,634,894,452.00 379,860,033,904.99 13.96 14,049 8.08 0.00 0.00 0 0.00

0.00

10,444,854,149,882.30 9,998,687,306.13 0.37 1,916 1.10 0.00 0.00

101,470,729,177,791.00 93,906,401,358.81 3.45 7,644 4.40 0.00

54,000,807,954,031.10 82,776,302,886.72 3.04 6,228 3.58 77,942,400.00 4.40 2

0.00 0

3.41 8,144 4.69 77,942,400.00 4.40 2 11.11

0 0.00

1,772,670,271.84 100.00 18 100.00

15/08/2016

16.66 6 33.33

T O T A L 1,974,309,314,677,060.00 100.00 2,721,401,635,174.73 100.00 173,827 100.00

65,589,745,726,182.70 98,763,281,538.96 3.63 14,339 8.25 295,394,374.84

11.11

64,445,662,103,913.30 92,774,990,192.85


96


UNDERWRITING YEAR : 2016 PROCESSING DATE : 15/08/2016

POLICY STATUS : A;C;E;N;R In IDR


AGRICULTURAL A 4,284,400,692,502.40 0.59 5,495,439,851.01 0.59 189.00 0.35 0.00 0.00 0.00 0.00

COMMERCIAL C 185,061,294,025,596.00 25.44 242,709,631,265.67 26.23 25,085.00 46.31 200,000,000.00 34.19 1.00 20.00

INDUSTRIAL I 442,466,471,907,245.00 60.81 541,797,006,182.77 58.56 4,236.00 7.82 0.00 0.00 0.00 0.00

RESIDENTIAL R 95,763,319,399,175.90 13.16 135,233,242,986.23 14.62 24,661.00 45.52 385,000,000.00 65.81 4.00 80.00

T O T A L 727,575,486,024,520.00 100.00 925,235,320,285.68 100.00 54,171.00 100.00 585,000,000.00 100.00 5.00 100.00


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION

As At 30/06/2016

OCCUPATION

NATIONAL AGGREGATE

EXPOSURENATIONAL GROSS PREMIUM CLAIM CLAIM FREQUENCYNUMBER OF RISKS


97





AGRICULTURAL A 24,272,759,308,636.30 0.68 29,683,728,427.87 0.57 390.00 0.17 0.00 0.00 0.00 0.00

COMMERCIAL C 1,156,994,601,212,960.00 32.61 1,795,033,569,542.69 34.61 123,845.00 54.78 5,959,405,013.50 38.45 25.00 65.79

INDUSTRIAL I 2,001,960,758,686,080.00 56.42 2,816,715,072,071.75 54.31 17,165.00 7.59 7,680,965,985.00 49.56 2.00 5.26

RESIDENTIAL R 365,194,225,230,728.00 10.29 544,821,434,633.33 10.51 84,669.00 37.45 1,857,064,680.00 11.98 11.00 28.95

T O T A L 3,548,422,344,438,400.00 100.00 5,186,253,804,675.64 100.00 226,069.00 100.00 15,497,435,678.50 100.00 38.00 100.00



As At 30/06/2016

OCCUPATION

NATIONAL AGGREGATE

EXPOSURENATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY


98





AGRICULTURAL A 22,680,577,973,934.20 0.72 29,149,815,450.64 0.59 753.00 0.32 0.00 0.00 0.00 0.00

COMMERCIAL C 745,326,562,404,427.00 23.82 1,118,227,459,156.76 22.45 124,558.00 52.94 624,550,950.05 67.66 10.00 66.67

INDUSTRIAL I 1,975,030,012,455,890.00 63.13 3,219,326,810,662.98 64.62 18,903.00 8.03 200,000,000.00 21.67 1.00 6.67

RESIDENTIAL R 385,372,571,013,830.00 12.32 615,373,361,031.83 12.35 91,061.00 38.70 98,536,193.51 10.67 4.00 26.67

T O T A L 3,128,409,723,848,080.00 100.00 4,982,077,446,302.21 100.00 235,275.00 100.00 923,087,143.56 100.00 15.00 100.00



As At 30/06/2016

OCCUPATION

NATIONAL AGGREGATE



99





AGRICULTURAL A 25,959,872,979,597.60 0.94 35,250,816,165.82 0.78 535.00 0.28 0.00 0.00 0.00 0.00

COMMERCIAL C 997,263,063,430,009.00 36.16 1,811,968,360,691.29 40.00 100,683.00 53.12 271,246,520,180.70 99.63 49.00 79.03

INDUSTRIAL I 1,417,513,943,627,160.00 51.39 2,207,809,139,946.27 48.74 18,433.00 9.73 890,057,888.00 0.33 5.00 8.06

RESIDENTIAL R 317,533,074,014,750.00 11.51 474,567,624,513.30 10.48 69,873.00 36.87 104,486,089.00 0.04 8.00 12.90

T O T A L 2,758,269,954,051,520.00 100.00 4,529,595,941,316.68 100.00 189,524.00 100.00 272,241,064,157.70 100.00 62.00 100.00



As At 30/06/2016

OCCUPATION

NATIONAL AGGREGATE



100





AGRICULTURAL A 23,543,592,772,030.10 1.19 29,419,229,652.86 1.08 420.00 0.24 0.00 0.00 0.00 0.00

COMMERCIAL C 458,553,032,623,053.00 23.23 658,376,861,883.61 24.19 94,595.00 54.42 1,636,685,520.49 92.33 16.00 88.89

INDUSTRIAL I 1,261,133,480,936,090.00 63.88 1,686,073,034,503.53 61.96 17,199.00 9.89 0.00 0.00 0.00 0.00

RESIDENTIAL R 231,079,208,345,890.00 11.70 347,532,509,134.70 12.77 61,613.00 35.45 135,984,751.35 7.67 2.00 11.11

T O T A L 1,974,309,314,677,060.00 100.00 2,721,401,635,174.70 100.00 173,827.00 100.00 1,772,670,271.84 100.00 18.00 100.00



As At 30/06/2016

OCCUPATION

NATIONAL AGGREGATE



101





01. NAD IDN_AC 2,133,410,954,207.05 0.29 3,831,187,386.32 0.41 514.00 0.95 0.00 0.00 0.00 0.00

02. SUMATERA UTARA IDN_SU 22,207,086,171,746.30 3.05 32,570,011,984.82 3.52 2,966.00 5.48 0.00 0.00 0.00 0.00

03. SUMATERA BARAT IDN_SB 6,471,087,738,551.61 0.89 11,817,051,639.45 1.28 5,842.00 10.78 510,000,000.00 87.18 4.00 80.00

04. RIAU IDN_RI 13,800,995,109,011.40 1.90 16,797,809,602.46 1.82 1,042.00 1.92 0.00 0.00 0.00 0.00

05. JAMBI IDN_JA 1,808,595,641,751.77 0.25 2,105,444,234.85 0.23 944.00 1.74 0.00 0.00 0.00 0.00

06. SUMATERA SELATAN IDN_SS 6,141,582,382,227.57 0.84 7,477,297,995.23 0.81 711.00 1.31 0.00 0.00 0.00 0.00

07. BENGKULU IDN_BE 1,055,065,311,955.32 0.15 1,921,037,712.70 0.21 594.00 1.10 0.00 0.00 0.00 0.00

08. LAMPUNG IDN_LA 15,786,592,179,170.60 2.17 22,600,880,292.26 2.44 905.00 1.67 0.00 0.00 0.00 0.00

09. KEP BANGKA-BELITUNG IDN_BB 709,788,562,531.02 0.10 594,565,228.90 0.06 161.00 0.30 0.00 0.00 0.00 0.00

10. KEPULAUAN RIAU IDN_KR 18,023,718,493,673.90 2.48 13,685,980,514.59 1.48 402.00 0.74 0.00 0.00 0.00 0.00

11. JAKARTA IDN_JK 127,948,814,292,811.00 17.59 186,487,644,888.00 20.16 11,255.00 20.78 75,000,000.00 12.82 1.00 20.00

12. JAWA BARAT IDN_JB 196,562,880,018,594.00 27.02 240,157,613,802.86 25.96 8,640.00 15.95 0.00 0.00 0.00 0.00

13. JAWA TENGAH IDN_JT 45,540,135,508,456.10 6.26 62,696,634,848.22 6.78 3,192.00 5.89 0.00 0.00 0.00 0.00

14. DIY IDN_YO 4,136,044,024,078.07 0.57 6,036,854,055.48 0.65 1,121.00 2.07 0.00 0.00 0.00 0.00

15. JAWA TIMUR IDN_JI 79,989,714,949,429.20 10.99 80,402,544,675.16 8.69 4,047.00 7.47 0.00 0.00 0.00 0.00

16. BANTEN IDN_BT 98,999,604,838,626.60 13.61 140,745,602,184.17 15.21 3,781.00 6.98 0.00 0.00 0.00 0.00

17. BALI IDN_BA 27,103,787,246,733.00 3.73 37,852,667,678.63 4.09 3,125.00 5.77 0.00 0.00 0.00 0.00

18. NUSA TENGGARA BARAT IDN_NB 2,155,144,951,750.88 0.30 3,105,169,636.41 0.34 577.00 1.07 0.00 0.00 0.00 0.00

19. NUSA TENGGARA TIMUR IDN_NT 472,373,766,401.83 0.06 654,835,366.90 0.07 181.00 0.33 0.00 0.00 0.00 0.00

20. KALIMANTAN BARAT IDN_KB 1,506,234,031,634.04 0.21 1,134,392,750.41 0.12 204.00 0.38 0.00 0.00 0.00 0.00

21. KALIMANTAN TENGAH IDN_KT 1,252,718,556,190.84 0.17 940,734,710.29 0.10 153.00 0.28 0.00 0.00 0.00 0.00

22. KALIMANTAN SELATAN IDN_KS 10,065,382,790,485.60 1.38 7,505,232,203.19 0.81 253.00 0.47 0.00 0.00 0.00 0.00

23. KALIMANTAN TIMUR IDN_KI 21,841,821,801,356.50 3.00 16,461,672,334.53 1.78 510.00 0.94 0.00 0.00 0.00 0.00

24. SULAWESI UTARA IDN_SA 3,452,501,472,827.63 0.47 5,416,574,740.77 0.59 552.00 1.02 0.00 0.00 0.00 0.00

25. SULAWESI TENGAH IDN_ST 1,811,404,691,538.95 0.25 3,305,242,889.70 0.36 239.00 0.44 0.00 0.00 0.00 0.00

26. SULAWESI SELATAN IDN_SN 9,242,954,434,661.20 1.27 8,403,291,071.23 0.91 754.00 1.39 0.00 0.00 0.00 0.00

27. SULAWESI TENGGARA IDN_SG 1,089,570,149,491.65 0.15 1,723,771,243.27 0.19 121.00 0.22 0.00 0.00 0.00 0.00

28. GORONTALO IDN_GO 365,491,481,968.07 0.05 688,365,873.30 0.07 161.00 0.30 0.00 0.00 0.00 0.00

29. SULAWESI BARAT IDN_SR 398,078,931,344.58 0.05 574,748,155.23 0.06 59.00 0.11 0.00 0.00 0.00 0.00

30. MALUKU IDN_MA 1,013,321,838,624.36 0.14 1,909,376,371.06 0.21 228.00 0.42 0.00 0.00 0.00 0.00

31. MALUKU UTARA IDN_MU 330,283,738,836.76 0.05 565,425,207.12 0.06 81.00 0.15 0.00 0.00 0.00 0.00

32. PAPUA BARAT IDN_PB 580,356,611,847.23 0.08 882,494,605.51 0.10 346.00 0.64 0.00 0.00 0.00 0.00

33. PAPUA IDN_PA 2,685,473,387,933.19 0.37 3,513,415,119.19 0.38 413.00 0.76 0.00 0.00 0.00 0.00

34. KALIMANTAN UTARA IDN_KU 893,469,964,071.76 0.12 669,749,283.49 0.07 97.00 0.18 0.00 0.00 0.00 0.00

T O T A L 727,575,486,024,520.00 100.00 925,235,320,285.70 100.00 54,171.00 100.00 585,000,000.00 100.00 5.00 100.00


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE

As At 30/06/2016

PROVINCE

NATIONAL AGGREGAT


Cresta ID


102





01. NAD IDN_AC 14,404,824,282,123.70 0.41 28,542,465,121.82 0.55 1,920.00 0.85 73,970,453.00 0.48 1.00 2.63


03. SUMATERA BARAT IDN_SB 49,291,429,456,060.70 1.39 96,539,586,683.86 1.86 17,469.00 7.73 1,010,000,000.00 6.52 2.00 5.26

04. RIAU IDN_RI 130,343,092,784,937.00 3.67 187,928,221,808.09 3.62 4,458.00 1.97 0.00 0.00 0.00 0.00

05. JAMBI IDN_JA 13,347,780,061,572.20 0.38 16,218,024,920.25 0.31 2,158.00 0.95 0.00 0.00 0.00 0.00

06. SUMATERA SELATAN IDN_SS 66,870,441,181,208.50 1.88 83,663,567,291.63 1.61 3,850.00 1.70 10,000,000.00 0.06 1.00 2.63

07. BENGKULU IDN_BE 4,836,051,236,717.56 0.14 9,162,242,772.88 0.18 2,335.00 1.03 0.00 0.00 0.00 0.00

08. LAMPUNG IDN_LA 46,430,449,559,802.80 1.31 72,534,991,279.11 1.40 4,233.00 1.87 0.00 0.00 0.00 0.00

09. KEP BANGKA-BELITUNG IDN_BB 6,598,027,645,730.98 0.19 5,994,802,745.37 0.12 684.00 0.30 0.00 0.00 0.00 0.00

10. KEPULAUAN RIAU IDN_KR 43,897,840,802,438.20 1.24 43,015,876,664.66 0.83 1,794.00 0.79 0.00 0.00 0.00 0.00

11. JAKARTA IDN_JK 603,665,395,916,498.00 17.01 951,905,134,288.47 18.35 51,072.00 22.59 0.00 0.00 0.00 0.00

12. JAWA BARAT IDN_JB 676,496,161,300,846.00 19.06 984,399,687,150.38 18.98 36,542.00 16.16 1,317,824,079.50 8.50 5.00 13.16


14. DIY IDN_YO 399,544,177,283,318.00 11.26 681,442,853,193.74 13.14 4,783.00 2.12 1,262,250,000.00 8.14 1.00 2.63

15. JAWA TIMUR IDN_JI 424,710,449,665,646.00 11.97 506,014,578,818.40 9.76 18,402.00 8.14 98,665,500.00 0.64 2.00 5.26

16. BANTEN IDN_BT 317,784,642,709,884.00 8.96 510,916,741,774.01 9.85 16,302.00 7.21 0.00 0.00 0.00 0.00

17. BALI IDN_BA 98,088,831,940,924.60 2.76 148,449,146,084.18 2.86 10,173.00 4.50 5,000,000.00 0.03 1.00 2.63

18. NUSA TENGGARA BARAT IDN_NB 8,685,469,646,549.46 0.24 16,048,076,661.30 0.31 1,613.00 0.71 0.00 0.00 0.00 0.00

19. NUSA TENGGARA TIMUR IDN_NT 3,059,676,570,048.89 0.09 4,964,288,616.87 0.10 605.00 0.27 0.00 0.00 0.00 0.00

20. KALIMANTAN BARAT IDN_KB 11,685,803,975,370.80 0.33 9,267,288,914.18 0.18 1,545.00 0.68 0.00 0.00 0.00 0.00

21. KALIMANTAN TENGAH IDN_KT 26,982,622,767,472.50 0.76 24,492,565,629.36 0.47 875.00 0.39 0.00 0.00 0.00 0.00

22. KALIMANTAN SELATAN IDN_KS 36,973,230,366,363.30 1.04 32,556,905,158.27 0.63 1,912.00 0.85 0.00 0.00 0.00 0.00

23. KALIMANTAN TIMUR IDN_KI 81,614,202,757,818.50 2.30 75,751,544,447.42 1.46 3,008.00 1.33 8,380,965,985.00 54.08 3.00 7.89

24. SULAWESI UTARA IDN_SA 18,179,266,869,301.80 0.51 34,008,300,664.92 0.66 2,497.00 1.10 0.00 0.00 0.00 0.00

25. SULAWESI TENGAH IDN_ST 8,240,704,815,819.12 0.23 15,015,104,992.32 0.29 1,165.00 0.52 0.00 0.00 0.00 0.00

26. SULAWESI SELATAN IDN_SN 104,737,113,089,608.00 2.95 141,617,493,232.18 2.73 4,401.00 1.95 0.00 0.00 0.00 0.00


28. GORONTALO IDN_GO 2,672,213,830,619.12 0.08 5,129,714,175.05 0.10 490.00 0.22 0.00 0.00 0.00 0.00

29. SULAWESI BARAT IDN_SR 3,171,458,527,805.18 0.09 4,414,673,646.70 0.09 186.00 0.08 0.00 0.00 0.00 0.00

30. MALUKU IDN_MA 2,832,110,722,344.72 0.08 5,547,441,227.49 0.11 839.00 0.37 25,960,000.00 0.17 2.00 5.26

31. MALUKU UTARA IDN_MU 1,515,252,075,112.12 0.04 2,861,965,721.94 0.06 389.00 0.17 0.00 0.00 0.00 0.00

32. PAPUA BARAT IDN_PB 3,929,492,625,062.38 0.11 6,021,716,037.97 0.12 1,315.00 0.58 3,162,799,658.00 20.41 17.00 44.74

33. PAPUA IDN_PA 7,501,516,646,068.73 0.21 13,077,329,570.67 0.25 1,933.00 0.86 150,000,003.00 0.97 3.00 7.89

34. KALIMANTAN UTARA IDN_KU 806,130,669,747.37 0.02 689,763,324.58 0.01 120.00 0.05 0.00 0.00 0.00 0.00

T O T A L 3,548,422,344,438,400.00 100.00 5,186,253,804,675.63 100.00 226,069.00 100.00 15,497,435,678.50 100.00 38.00 100.00



As At 30/06/2016

PROVINCE

NATIONAL AGGREGAT


Cresta ID


103





01. NAD IDN_AC 10,810,796,944,788.80 0.35 21,156,227,723.45 0.42 1,986.00 0.84 0.00 0.00 0.00 0.00



04. RIAU IDN_RI 59,039,144,113,315.80 1.89 68,237,741,754.51 1.37 4,380.00 1.86 0.00 0.00 0.00 0.00

05. JAMBI IDN_JA 12,135,295,796,438.10 0.39 14,037,376,432.43 0.28 2,459.00 1.05 0.00 0.00 0.00 0.00

06. SUMATERA SELATAN IDN_SS 50,090,555,053,868.40 1.60 63,016,691,486.06 1.26 4,089.00 1.74 0.00 0.00 0.00 0.00

07. BENGKULU IDN_BE 5,727,026,773,036.30 0.18 11,700,354,562.11 0.23 2,249.00 0.96 0.00 0.00 0.00 0.00

08. LAMPUNG IDN_LA 39,153,517,104,913.10 1.25 61,285,434,048.68 1.23 4,355.00 1.85 0.00 0.00 0.00 0.00



11. JAKARTA IDN_JK 658,917,880,791,553.00 21.06 1,073,263,352,012.98 21.54 56,596.00 24.06 0.00 0.00 0.00 0.00

12. JAWA BARAT IDN_JB 792,019,285,433,894.00 25.32 1,405,999,067,647.37 28.22 36,206.00 15.39 0.00 0.00 0.00 0.00


14. DIY IDN_YO 21,750,908,228,816.40 0.70 35,046,936,925.90 0.70 4,511.00 1.92 0.00 0.00 0.00 0.00

15. JAWA TIMUR IDN_JI 417,009,822,442,438.00 13.33 604,623,471,715.06 12.14 21,101.00 8.97 111,029,676.05 12.03 3.00 20.00

16. BANTEN IDN_BT 352,951,901,088,285.00 11.28 626,293,157,050.67 12.57 15,992.00 6.80 0.00 0.00 0.00 0.00

17. BALI IDN_BA 74,035,710,292,761.40 2.37 120,402,376,442.43 2.42 9,971.00 4.24 15,745,036.00 1.71 1.00 6.67

18. NUSA TENGGARA BARAT IDN_NB 8,214,426,948,563.84 0.26 15,050,397,851.28 0.30 1,840.00 0.78 0.00 0.00 0.00 0.00





23. KALIMANTAN TIMUR IDN_KI 72,922,396,690,759.90 2.33 78,104,630,903.26 1.57 3,798.00 1.61 0.00 0.00 0.00 0.00

24. SULAWESI UTARA IDN_SA 15,997,680,972,442.90 0.51 32,968,981,537.61 0.66 2,292.00 0.97 78,511,425.00 8.51 3.00 20.00

25. SULAWESI TENGAH IDN_ST 3,848,534,873,989.42 0.12 6,429,170,184.65 0.13 997.00 0.42 0.00 0.00 0.00 0.00



28. GORONTALO IDN_GO 2,742,222,995,389.40 0.09 5,369,868,537.19 0.11 592.00 0.25 0.00 0.00 0.00 0.00


30. MALUKU IDN_MA 2,560,734,786,547.66 0.08 4,973,074,125.06 0.10 776.00 0.33 0.00 0.00 0.00 0.00

31. MALUKU UTARA IDN_MU 996,579,046,347.49 0.03 1,945,383,223.54 0.04 406.00 0.17 0.00 0.00 0.00 0.00

32. PAPUA BARAT IDN_PB 2,880,973,709,319.36 0.09 4,735,485,860.43 0.10 1,369.00 0.58 688,071,568.51 74.54 5.00 33.33

33. PAPUA IDN_PA 5,634,291,535,443.88 0.18 10,083,917,679.23 0.20 2,032.00 0.86 12,238,038.00 1.33 1.00 6.67

34. KALIMANTAN UTARA IDN_KU -5,129,000,000.00 0.00 -4,872,550.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

T O T A L 3,128,409,723,848,080.00 100.00 4,982,077,446,302.20 100.00 235,275.00 100.00 923,087,143.56 100.00 15.00 100.00



As At 30/06/2016

PROVINCE

NATIONAL AGGREGAT


Cresta ID


104





01. NAD IDN_AC 9,115,117,293,870.24 0.43 16,248,179,341.27 0.36 1,652.00 0.87 24,004,968.00 0.01 2.00 3.23



04. RIAU IDN_RI 35,064,056,469,754.20 1.67 56,970,960,860.70 1.26 3,565.00 1.88 0.00 0.00 0.00 0.00

05. JAMBI IDN_JA 8,231,659,638,051.55 0.39 12,503,224,385.16 0.28 1,940.00 1.02 0.00 0.00 0.00 0.00


07. BENGKULU IDN_BE 4,060,325,847,435.66 0.19 9,919,463,583.07 0.22 1,847.00 0.97 0.00 0.00 0.00 0.00

08. LAMPUNG IDN_LA 27,534,812,464,501.00 1.31 41,048,588,970.66 0.91 3,082.00 1.63 0.00 0.00 0.00 0.00



11. JAKARTA IDN_JK 464,788,039,293,112.00 22.10 701,981,021,509.03 15.50 47,690.00 25.16 0.00 0.00 0.00 0.00

12. JAWA BARAT IDN_JB 400,857,876,017,649.00 19.06 1,231,624,342,472.46 27.19 28,631.00 15.11 22,511,000.00 0.01 1.00 1.61

13. JAWA TENGAH IDN_JT 121,725,177,084,954.00 5.79 193,688,843,537.58 4.28 10,229.00 5.40 36,698,640.00 0.01 1.00 1.61

14. DIY IDN_YO 11,854,836,649,440.00 0.56 17,860,465,359.47 0.39 3,439.00 1.81 1,023,236,421.00 0.38 5.00 8.06

15. JAWA TIMUR IDN_JI 387,941,546,339,995.00 18.44 562,633,653,334.69 12.42 14,712.00 7.76 271,054,377,462.82 99.56 49.00 79.03

16. BANTEN IDN_BT 213,570,391,693,733.00 10.15 478,859,004,952.77 10.57 12,438.00 6.56 0.00 0.00 0.00 0.00

17. BALI IDN_BA 43,280,980,532,299.20 2.06 681,203,353,620.28 15.04 8,100.00 4.27 0.00 0.00 0.00 0.00

18. NUSA TENGGARA BARAT IDN_NB 3,077,047,054,149.34 0.15 8,855,521,003.67 0.20 1,365.00 0.72 15,869,069.88 0.01 1.00 1.61






24. SULAWESI UTARA IDN_SA 20,475,241,127,098.30 0.97 34,254,606,338.33 0.76 1,859.00 0.98 53,658,000.00 0.02 1.00 1.61




28. GORONTALO IDN_GO 12,799,702,686,629.60 0.61 4,107,043,397.25 0.09 829.00 0.44 0.00 0.00 0.00 0.00

29. SULAWESI BARAT IDN_SR 953,016,177,663.56 0.05 1,927,480,130.89 0.04 311.00 0.16 0.00 0.00 0.00 0.00

30. MALUKU IDN_MA 1,012,162,473,294.66 0.05 3,618,588,260.22 0.08 621.00 0.33 0.00 0.00 0.00 0.00


32. PAPUA BARAT IDN_PB 2,191,055,888,141.29 0.10 4,221,984,574.84 0.09 1,351.00 0.71 0.00 0.00 0.00 0.00

33. PAPUA IDN_PA 3,526,473,596,439.34 0.17 6,884,834,863.94 0.15 2,333.00 1.23 0.00 0.00 0.00 0.00


T O T A L 2,103,386,444,065,560.00 100.00 4,529,595,941,316.70 100.00 189,524.00 100.00 272,241,064,157.70 100.00 62.00 100.00



As At 30/06/2016

PROVINCE

NATIONAL AGGREGAT


Cresta ID


105





01. NAD IDN_AC 8,330,895,104,607.12 0.42 12,528,481,214.65 0.46 1,934.00 1.11 1,384,397,296.00 78.10 8.00 44.44

02. SUMATERA UTARA IDN_SU 75,442,661,983,736.50 3.82 12,528,481,214.65 0.46 9,336.00 5.37 82,118,384.00 4.63 4.00 22.22

03. SUMATERA BARAT IDN_SB 27,133,363,706,752.40 1.37 97,061,534,578.02 3.56 15,501.00 8.92 0.00 0.00 0.00 0.00

04. RIAU IDN_RI 33,319,463,443,743.90 1.69 48,783,925,164.28 1.79 3,529.00 2.03 0.00 0.00 0.00 0.00

05. JAMBI IDN_JA 11,004,536,229,073.80 0.56 35,299,197,912.01 1.30 1,667.00 0.96 0.00 0.00 0.00 0.00


07. BENGKULU IDN_BE 4,460,385,210,968.84 0.23 42,667,530,496.39 1.57 2,119.00 1.22 0.00 0.00 0.00 0.00

08. LAMPUNG IDN_LA 28,324,556,957,773.60 1.43 8,307,289,514.39 0.30 3,028.00 1.74 0.00 0.00 0.00 0.00



11. JAKARTA IDN_JK 400,177,640,620,151.00 20.27 20,673,160,969.51 0.76 36,284.00 20.87 0.00 0.00 0.00 0.00

12. JAWA BARAT IDN_JB 456,402,985,831,360.00 23.12 600,168,864,300.49 22.03 27,291.00 15.70 0.00 0.00 0.00 0.00


14. DIY IDN_YO 11,645,215,567,402.70 0.59 134,205,061,880.52 4.93 3,278.00 1.89 0.00 0.00 0.00 0.00

15. JAWA TIMUR IDN_JI 293,292,634,894,452.00 14.86 17,678,426,160.24 0.65 14,049.00 8.08 0.00 0.00 0.00 0.00

16. BANTEN IDN_BT 217,265,948,079,530.00 11.00 379,860,033,904.99 13.94 11,440.00 6.58 0.00 0.00 0.00 0.00

17. BALI IDN_BA 50,307,484,051,839.30 2.55 318,570,497,395.58 11.69 7,638.00 4.39 177,275,145.84 10.00 3.00 16.67

18. NUSA TENGGARA BARAT IDN_NB 3,872,366,415,500.33 0.20 73,264,139,805.44 2.69 1,488.00 0.86 50,937,046.00 2.87 1.00 5.56






24. SULAWESI UTARA IDN_SA 11,251,956,214,549.50 0.57 64,217,779,892.00 2.36 1,877.00 1.08 0.00 0.00 0.00 0.00


26. SULAWESI SELATAN IDN_SN 26,808,326,792,795.70 1.36 3,376,340,442.68 0.12 3,194.00 1.84 77,942,400.00 4.40 2.00 11.11


28. GORONTALO IDN_GO 14,073,410,601,299.70 0.71 10,830,303,412.93 0.40 1,011.00 0.58 0.00 0.00 0.00 0.00


30. MALUKU IDN_MA 1,327,598,149,671.43 0.07 1,676,539,338.07 0.06 513.00 0.30 0.00 0.00 0.00 0.00


32. PAPUA BARAT IDN_PB 3,465,126,538,532.94 0.18 1,423,563,178.93 0.05 1,280.00 0.74 0.00 0.00 0.00 0.00

33. PAPUA IDN_PA 3,672,047,929,566.26 0.19 1,423,563,178.93 0.05 2,021.00 1.16 0.00 0.00 0.00 0.00


T O T A L 1,974,309,314,677,060.00 100.00 2,724,193,815,325.03 100.00 173,827.00 100.00 1,772,670,271.84 100.00 18.00 100.00



As At 30/06/2016

PROVINCE

NATIONAL AGGREGAT


Cresta ID


106


Lampiran 1 / Attachment 1

Daftar Istilah

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

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


107


F : Accumulations of frequencies

Cum : Cumulative (increasing in amount by one addition after another)

4. Incurred Claim

Outstanding Claims (100%) plus paid/settled claims (100%)

5. Sum Insured The Sum Insured represents 100% Sum Insured

6. Gross Premium Gross Premium represent 100% premium

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


108



TARIF PREMI ASURANSI GEMPA BUMI

PADA LINI USAHA ASURANSI HARTA BENDA

1. Tarif Premi untuk Kerusakan Fisik dan Gangguan Usaha dengan Harga Pertanggungan Nilai Penuh (Full

Value Basis) dengan Indemnity Period 12 bulan berdasarkan Surat Edaran OJK Nomor: SE-

06/D.05/2013, tanggal 31 Desember 2013.

Commercial and Industrial (Non Dwelling House)

Kelas Konstruksi Tarif Premi per mil (%o)

Zona I Zona II Zona III Zona IV Zona V

Steel, Wood and RC Frame < 9 Storeys 0,90 0,95 1,25 1,50 1,90

> 9 Storeys 1,35 1,45 1,55 1,60 2,00

Others 1,00 1,10 1,55 3,00 4,70

Dwelling House – occupation code 2976

Kelas Konstruksi Tarif Premi per mil (%o)


Steel, Wood and RC Frame 0,85 0,95 1,15 1,35 1,60

Others 0,90 1,00 1,55 2,75 4,50

Zona mengacu pada Lampiran 6 kolom Zona*

Aturan Tambahan

a. Untuk gedung bertingkat yang mempunyai bangunan di bawah tanah yang lazim disebut “basement”

atau “semi basement” atau dengan nama apapun, lantai bawah tanah tersebut juga diperhitungkan

dalam menentukan jumlah lantai.

Dengan demikian, semua lantai dihitung, baik lantai yang ada di atas tanah maupun yang di bawah

tanah.

b. Untuk tower antena yang lazim digunakan sebagai pemancar radio, jaringan listrik, jaringan telepon

genggam dan sejenisnya, tingginya tower (dihitung dari permukaan tanah) dianggap sebagai ukuran

jumlah lantai, dengan menggunakan dasar perhitungan tinggi 1 (satu) lantai adalah +/- 4 meter.

DEFINISI

COMMERCIAL AND INDUSTRIAL : Obyek selain okupasi dwelling house (kode okupasi selain

2976)

Steel Frame : struktur bangunan yang menggunakan Baja sebagai

rangkanya


109


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.

2. Tarif Premi atau Kontribusi untuk Kerusakan Fisik dan Gangguan Usaha dengan harga

pertanggungan Nilai Penuh (full value basis) dengan indemnity period 12 bulan berdasarkan Surat

Edaran OJK Nomor: NOMOR 21/SEOJK.05/2015, 30 Juni 2015

Commercial and Industrial (Non Dwelling House)

Kelas Konstruksi

Tarif Premi atau Kontribusi per mil (%o)


Com: Steel, Wood, RC < 9 0,75 0,76 1,00 1,43 1,90

Com: Steel, Wood, RC > 9 1,12 1,15 1,22 1,53 2,00

Com: Others 0,80 1,04 1,55 2,46 4,70

Dwelling House – occupation code 2976

Kelas Konstruksi Tarif Premi atau Kontribusi per mil (%o)


DW: Steel, Wood, RC 0,76 0,79 1,04 1,35 1,60

DW: Others 0,80 1,00 1,55 2,24 4,50

Zona mengacu pada Lampiran 6 kolom Zona**


110


DEFINISI Konstruksi

Commercial

Objek pertanggungan dengan kode okupasi selain rumah

tinggal (Kode Okupasi selain 2976)

Com: Steel, Wood, RC < 9 Konstruksi bangunan menggunakan rangka Baja, Kayu,

Beton Bertulang, dengan jumlah lantai sampai dengan 9

lantai

Com: Steel, Wood, RC > 9 Konstruksi bangunan menggunakan rangka Baja, Kayu,

Beton Bertulang, dengan jumlah lantai lebih dari 9 lantai

Com: Others Konstruksi bangunan tanpa menggunakan rangka

Baja, Kayu, dan Beton Bertulang

Dwelling House Objek pertanggungan rumah tinggal dengan kode

okupasi 2976 (Semua kelas konstruksi)

DW: Steel, Wood, RC Konstruksi rumah tinggal yang menggunakan rangka

Baja, Kayu, Beton Bertulang

DW: Others Konstruksi rumah tinggal tanpa menggunakan rangka

Baja, Kayu, dan Beton Bertulang

DEDUCTIBLE

0 – USD 100 Juta = 2.5% of TSI

> USD 100 Juta s/d USD 300 Juta = 2.5% of TSI maksimum USD 3 Juta

> USD 300 Juta = Minimum USD 2 Juta

BUSSINES INTERRUPTION

Commercial Industrial

0 – USD 100 Juta Minimum 14 Hari Minimum 21 Hari

> USD 100 Juta s/d USD 300 Juta Minimum 21 Hari Minimum 30 Hari

> USD 300 Juta Minimum 30 Hari Minimum 45 Hari

DEFINISI COMMERCIAL DAN INDUSTRIAL

Industrial → Mengacu pada kode okupasi 200-287 dan 2911-2915 sebagaimana dimaksud pada

Lampiran I Tabel I.A

Commercial →Mengacu pada kode okupasi 2901-2909 dan 2921-2969 sebagaimana dimaksud pada

Lampiran I Tabel I.A


111


Agricultural → Mengacu pada kode okupasi 40 dan 300-318 sebagaimana dimaksud pada Lampiran I

Tabel I.A

Residental → Mengacu pada kode okupasi 2971-2992 sebagaimana dimaksud pada Lampiran I Tabel

I.A

(Red: Lampiran I Tabel I.A terdapat dalam Surat Edaran OJK Nomor: NOMOR 21/SEOJK.05/2015, 30

Juni 2015)

Aturan Tambahan

a. Untuk gedung bertingkat yang mempunyai bangunan di bawah tanah yang lazim disebut

“basement” atau “semi basement” atau dengan nama apapun, lantai bawah tanah tersebut juga

diperhitungkan dalam menentukan jumlah lantai.

Dengan demikian, semua lantai dihitung, baik lantai yang ada di atas tanah maupun yang di

bawah tanah.

b. Untuk tower antena yang lazim digunakan sebagai pemancar radio, jaringan listrik, jaringan

telepon genggam dan sejenisnya, tingginya tower (dihitung dari permukaan tanah) dianggap

sebagai ukuran jumlah lantai, dengan menggunakan dasar perhitungan tinggi 1 (satu) lantai

adalah hingga 4 meter.


112



ZONA ASURANSI GEMPA BUMI INDONESIA

PROVINSI KOTA / KABUPATEN ZONA* ZONA**

BALI KAB. BADUNG 4 4

KAB. BANGLI 3 4

KAB. BULELENG 3 4

KAB. GIANYAR 4 4

KAB. JEMBRANA 3 4

KAB. KLUNGKUNG 3 4

KAB. TABANAN 3 4

KOTA DENPASAR 4 4

KAB. KARANG ASEM 3 5

BANTEN KAB. LEBAK 4 4

KAB. SERANG 4 4

KAB. TANGERANG 4 4

KOTA CILEGON 4 4

KOTA SERANG 4 4

KOTA TANGERANG 4 4

KAB. PANDEGLANG 4 5

KOTA TANGERANG SELATAN 4 4

BENGKULU KAB. BENGKULU SELATAN 4 5

KAB. BENGKULU UTARA 5 5

KAB. KAUR 5 5

KAB. KEPAHIANG 5 5

KAB. LEBONG 5 5

KAB. MUKOMUKO 5 5

KAB. REJANG LEBONG 5 5

KAB. SELUMA 4 5

KOTA BENGKULU 5 5

KAB. BENGKULU TENGAH 5 5

D.I. YOGYAKARTA KAB. BANTUL 5 4

KAB. GUNUNG KIDUL 4 4

KAB. KULON PROGO 4 4

KAB. SLEMAN 4 4

KOTA YOGYAKARTA 4 4

DKI JAKARTA KAB. KEPULAUAN SERIBU 4 3

KOTA JAKARTA BARAT 4 4

KOTA JAKARTA PUSAT 4 4

KOTA JAKARTA SELATAN 4 4

KOTA JAKARTA TIMUR 4 4

KOTA JAKARTA UTARA 4 4

GORONTALO KAB. BOALEMO 5 5

KAB. BONE BOLANGO 5 5

KAB. GORONTALO 5 5

KAB. GORONTALO UTARA 5 5

KAB. POHUWATO 5 5

KOTA GORONTALO 5 5

JAMBI KAB. BATANG HARI 3 2

KAB. MUARO JAMBI 3 2

KAB. TANJUNG JABUNG BARAT 3 2


113



JAMBI KAB. TANJUNG JABUNG TIMUR 3 2

KOTA JAMBI 3 2

KAB. BUNGO 4 3

KAB. SAROLANGUN 4 3

KAB. TEBO 3 3

KAB. MERANGIN 5 4

KAB. KERINCI 5 5

KOTA SUNGAI PENUH 5 5

JAWA BARAT KAB. CIREBON 3 3

KAB. INDRAMAYU 4 3

KAB. SUMEDANG 5 3

KOTA CIREBON 3 3

KAB. BANDUNG 4 4

KAB. BANDUNG BARAT 4 4

KAB. BEKASI 3 4

KAB. BOGOR 4 4

KAB. CIAMIS 4 4

KAB. CIANJUR 4 4

KAB. GARUT 4 4

KAB. KARAWANG 3 4

KAB. KUNINGAN 3 4

KAB. MAJALENGKA 3 4

KAB. PURWAKARTA 4 4

KAB. PANGANDARAN 4 4

KAB. SUBANG 5 4

KAB. SUKABUMI 4 4

KAB. TASIKMALAYA 4 4

KOTA BANDUNG 5 4

KOTA BANJAR 3 4

KOTA BEKASI 4 4

KOTA BOGOR 4 4

KOTA CIMAHI 5 4

KOTA DEPOK 4 4

KOTA SUKABUMI 5 4

KOTA TASIKMALAYA 3 4

JAWA TENGAH KAB. BANYUMAS 3 3

KAB. BATANG 3 3

KAB. BLORA 3 3

KAB. BOYOLALI 3 3

KAB. BREBES 3 3

KAB. DEMAK 4 3

KAB. GROBOGAN 4 3

KAB. JEPARA 4 3

KAB. KARANGANYAR 4 3

KAB. KENDAL 3 3

KAB. KUDUS 4 3

KAB. PATI 4 3

KAB. PEKALONGAN 3 3

KAB. PEMALANG 3 3

KAB. PURBALINGGA 3 3


114



JAWA TENGAH KAB. REMBANG 5 3

KAB. SEMARANG 3 3

KAB. SRAGEN 3 3

KAB. TEMANGGUNG 3 3

KOTA MAGELANG 3 3

KOTA PEKALONGAN 3 3

KOTA SALATIGA 3 3

KOTA SEMARANG 3 3

KOTA SURAKARTA 4 3

KOTA TEGAL 3 3

KAB. BANJARNEGARA 3 4

KAB. CILACAP 3 4

KAB. KEBUMEN 4 4

KAB. KLATEN 5 4

KAB. MAGELANG 4 4

KAB. PURWOREJO 4 4

KAB. SUKOHARJO 4 4

KAB. TEGAL 4 4

KAB. WONOGIRI 4 4

KAB. WONOSOBO 3 4

JAWA TIMUR KAB. BANGKALAN 3 3

KAB. BOJONEGORO 3 3

KAB. BONDOWOSO 3 3

KAB. GRESIK 3 3

KAB. JEMBER 4 3

KAB. JOMBANG 3 3

KAB. LAMONGAN 3 3

KAB. MADIUN 3 3

KAB. MAGETAN 3 3

KAB. MOJOKERTO 3 3

KAB. NGANJUK 3 3

KAB. NGAWI 3 3

KAB. PAMEKASAN 3 3

KAB. PASURUAN 3 3

KAB. PROBOLINGGO 3 3

KAB. SAMPANG 3 3

KAB. SIDOARJO 3 3

KAB. SITUBONDO 3 3

KAB. SUMENEP 3 3

KAB. TUBAN 3 3

KOTA MADIUN 3 3

KOTA MOJOKERTO 3 3

KOTA PASURUAN 3 3

KOTA PROBOLINGGO 4 3

KOTA SURABAYA 3 3

KAB. BANYUWANGI 3 4

KAB. BLITAR 3 4

KAB. KEDIRI 3 4

KAB. LUMAJANG 3 4

KAB. MALANG 3 4


115



JAWA TIMUR KAB. PACITAN 4 4

KAB. PONOROGO 3 4

KAB. TRENGGALEK 4 4

KAB. TULUNGAGUNG 3 4

KOTA BATU 3 4

KOTA BLITAR 3 4

KOTA KEDIRI 3 4

KOTA MALANG 3 4

KALIMANTAN BARAT KAB. BENGKAYANG 1 1

KAB. KAPUAS HULU 1 1

KAB. KAYONG UTARA 1 1

KAB. KETAPANG 1 1

KAB. KUBU RAYA 1 1

KAB. LANDAK 1 1

KAB. MELAWI 1 1

KAB. MEMPAWAH 1 1

KAB. SAMBAS 1 1

KAB. SANGGAU 1 1

KAB. SEKADAU 1 1

KAB. SINTANG 1 1

KOTA PONTIANAK 1 1

KOTA SINGKAWANG 1 1

KALIMANTAN SELATAN KAB. BALANGAN 1 1

KAB. BANJAR 1 1

KAB. BARITO KUALA 1 1

KAB. HULU SUNGAI SELATAN 1 1

KAB. HULU SUNGAI TENGAH 1 1

KAB. HULU SUNGAI UTARA 1 1

KAB. KOTABARU 1 1

KAB. TABALONG 1 1

KAB. TANAH BUMBU 1 1

KAB. TANAH LAUT 1 1

KAB. TAPIN 1 1

KOTA BANJARBARU 1 1

KOTA BANJARMASIN 1 1

KALIMANTAN TENGAH KAB. BARITO SELATAN 1 1

KAB. BARITO TIMUR 1 1

KAB. BARITO UTARA 1 1

KAB. GUNUNG MAS 1 1

KAB. KAPUAS 1 1

KAB. KATINGAN 1 1

KAB. KOTAWARINGIN BARAT 1 1

KAB. KOTAWARINGIN TIMUR 1 1

KAB. LAMANDAU 1 1

KAB. MURUNG RAYA 1 1

KAB. PULANG PISAU 1 1

KAB. SERUYAN 1 1

KAB. SUKAMARA 1 1

KOTA PALANG KARAYA 1 1

KALIMANTAN TIMUR KAB. KUTAI BARAT 1 1


116



KALIMANTAN TIMUR KAB. KUTAI KARTANEGARA 1 1

KAB. PASER 1 1

KAB. PENAJAM PASER UTARA 1 1

KOTA BALIKPAPAN 1 1

KOTA SAMARINDA 1 1

KAB. KUTAI TIMUR 1 2

KOTA BONTANG 2 2

KAB. BERAU 2 3

KAB. MAHAKAM ULU 1 1

KALIMANTAN UTARA KAB. MALINAU 2 2

KAB. NUNUKAN 1 2

KAB. TANA TIDUNG 1 2

KOTA TARAKAN 2 2

KAB. BULUNGAN 1 3

KEPULAUAN BANGKA BELITUNG KAB. BANGKA 3 1

KAB. BANGKA BARAT 3 1

KAB. BANGKA TENGAH 2 1

KAB. BELITUNG 1 1

KAB. BELITUNG TIMUR 1 1

KOTA PANGKAL PINANG 2 1

KAB. BANGKA SELATAN 2 2

KEPULAUAN RIAU KAB. BINTAN 2 1

KAB. KARIMUN 2 1

KAB. LINGGA 3 1

KAB. NATUNA 1 1

KOTA BATAM 2 1

KOTA TANJUNG PINANG 2 1

KAB. KEPULAUAN ANAMABAS 1 1

LAMPUNG KAB. LAMPUNG TENGAH 4 3

KAB. LAMPUNG TIMUR 4 3

KAB. LAMPUNG UTARA 4 3

KAB. TULANGBAWANG 4 3

KAB. WAY KANAN 4 3

KOTA METRO 4 3

KAB. LAMPUNG SELATAN 4 4

KAB. PESAWARAN 4 4

KOTA BANDAR LAMPUNG 4 4

KAB. LAMPUNG BARAT 5 5

KAB. TANGGAMUS 5 5

KAB. PESISIR BARAT 5 5

KAB. PRINGSEWU 4 5

KAB. MESUJI 3 3

KAB. TULANG BAWANG BARAT 4 3

MALUKU KAB. MALUKU TENGAH 5 4

KAB. MALUKU TENGGARA 5 4

KAB. SERAM BAGIAN BARAT 5 4

KOTA TUAL 5 4

KAB. BURU 5 5

KAB. KEPULAUAN ARU 4 5

KAB. MALUKU TENGGARA BARAT 5 5


117



MALUKU KAB. SERAM BAGIAN TIMUR 5 5

KOTA AMBON 5 5

KAB. MALUKU BARAT DAYA 4 5

KAB. BURU SELATAN 4 5

MALUKU UTARA KAB. HALMAHERA TENGAH 4 4

KAB. HALMAHERA TIMUR 4 4

KAB. HALMAHERA BARAT 5 5

KAB. HALMAHERA SELATAN 4 5

KAB. HALMAHERA UTARA 5 5

KAB. KEPULAUAN SULA 4 5

KOTA TERNATE 5 5

KOTA TIDORE KEPULAUAN 5 5

KAB. PULAU TALIABU 4 5

KAB. PULAU MOROTAI 5 5

NANGGROE ACEH DARUSSALAM KAB. ACEH UTARA 5 3

KOTA LHOKSEUMAWE 4 3

KAB. ACEH TAMIANG 4 4

KAB. ACEH TENGAH 5 4

KAB. ACEH TIMUR 5 4

KAB. BENER MERIAH 4 4

KAB. BIREUEN 5 4

KOTA LANGSA 4 4

KAB. ACEH BARAT 5 5

KAB. ACEH BARAT DAYA 5 5

KAB. ACEH BESAR 5 5

KAB. ACEH JAYA 5 5

KAB. ACEH SELATAN 5 5

KAB. ACEH SINGKIL 5 5

KAB. ACEH TENGGARA 5 5

KAB. GAYO LUES 5 5

KAB. NAGAN RAYA 5 5

KAB. PIDIE 5 5

KAB. PIDIE JAYA 5 5

KAB. SIMEULUE 5 5

KOTA BANDA ACEH 5 5

KOTA SABANG 5 5

KOTA SUBULUSSALAM 5 5

NUSA TENGGARA BARAT KAB. BIMA 3 4

KAB. LOMBOK TENGAH 4 4

KAB. LOMBOK TIMUR 3 4

KAB. SUMBAWA 3 4

KAB. SUMBAWA BARAT 3 4

KOTA BIMA 4 4

KAB. DOMPU 3 5

KAB. LOMBOK BARAT 4 5

KOTA MATARAM 5 5

KAB. LOMBOK UTARA 3 5

NUSA TENGGARA TIMUR KAB. ENDE 3 4

KAB. FLORES TIMUR 3 4

KAB. KUPANG 4 4


118



NUSA TENGGARA TIMUR KAB. MANGGARAI 3 4

KAB. MANGGARAI BARAT 4 4

KAB. MANGGARAI TIMUR 3 4

KAB. NGADA 3 4

KAB. ROTE NDAO 4 4

KAB. SIKKA 3 4

KAB. SUMBA TIMUR 3 4

KOTA KUPANG 5 4

KAB. ALOR 3 5

KAB. BELU 4 5

KAB. LEMBATA 3 5

KAB. NAGEKEO 3 5

KAB. SUMBA BARAT 4 5

KAB. SUMBA BARAT DAYA 4 5

KAB. SUMBA TENGAH 3 5

KAB. TIMOR TENGAH SELATAN 3 5

KAB. TIMOR TENGAH UTARA 3 5

KAB. MALAKA 4 5

KAB. SABU RAIJUA 5 4

PAPUA KAB. MERAUKE 1 1

KAB. ASMAT 3 2

KAB. BOVEN DIGOEL 2 2

KAB. MAPPI 2 2

KAB. MIMIKA 5 3

KAB. PUNCAK JAYA 3 3

KAB. BIAK NUMFOR 4 4

KAB. PANIAI 3 4

KAB. PEGUNUNGAN BINTANG 5 4

KAB. SUPIORI 5 4

KAB. WAROPEN 4 4

KAB. KEPULAUAN YAPEN 5 4

KAB. JAYAPURA 5 5

KAB. JAYAWIJAYA 3 5

KAB. KEEROM 4 5

KAB. NABIRE 5 5

KAB. SARMI 5 5

KAB. TOLIKARA 3 5

KAB. YAHUKIMO 3 5

KOTA JAYAPURA 3 5

KAB. MAMBERAMO RAYA 4 5

KAB. NDUGA 4 5

KAB. LANNY JAYA 3 5

KAB. MAMBERAMO TENGAH 3 5

KAB. YALIMO 3 5

KAB. PUNCAK 3 3

KAB. DOGIYAI 4 5

KAB. INTAN JAYA 3 4

KAB. DEIYAI 4 4

PAPUA BARAT KAB. FAKFAK 4 3

KAB. KAIMANA 5 3


119



PAPUA BARAT KAB. SORONG SELATAN 3 3

KOTA SORONG 5 3

KAB. RAJA AMPAT 3 4

KAB. SORONG 4 4

KAB. TELUK BINTUNI 3 4

KAB. TELUK WONDOMA 3 4

KAB. MANOKWARI 4 5

KAB. MANOKWARI SELATAN 4 5

KAB. PEGUNUNGAN ARFAK 4 5

KAB. TAMBRAUW 5 5

KAB. MAYBRAT 4 3

RIAU KAB. BENGKALIS 3 2

KAB. INDRAGIRI HILIR 3 2

KAB. INDRAGIRI HULU 4 2

KAB. PELALAWAN 4 2

KAB. ROKAN HILIR 4 2

KAB. SIAK 3 2

KOTA DUMAI 3 2

KAB. KAMPAR 4 3

KAB. KUANTAN SINGINGI 4 3

KAB. ROKAN HULU 4 3

KOTA PEKANBARU 4 3

KAB. KEPULAUAN MERANTI 3 2

SULAWESI SELATAN KAB. BARRU 2 3

KAB. ENREKANG 3 3

KAB. LUWU 2 3

KAB. LUWU TIMUR 4 3

KAB. LUWU UTARA 3 3

KAB. PINRANG 3 3

KAB. SIDENRENG RAPPANG 4 3

KAB. SOPPENG 3 3

KAB. WAJO 3 3

KOTA PALOPO 3 3

KOTA PARE-PARE 3 3

KAB. BANTAENG 2 2

KAB. BONE 2 2

KAB. BULUKUMBA 2 2

KAB. GOWA 2 2

KAB. JENEPONTO 2 2

KAB. MAROS 2 2

KAB. PANGKAJENE DAN KEPULAUAN 3 2

KAB. SELAYAR 4 2

KAB. SINJAI 2 2

KAB. TAKALAR 2 2

KOTA MAKASSAR 2 2

KAB. TANA TORAJA 3 4

SULAWESI BARAT KAB. MAMUJU UTARA 4 3

KAB. MAJENE 5 4

KAB. MAMASA 3 4

KAB. MAMUJU 4 4


120



SULAWESI BARAT KAB. MAMUJU TENGAH 4 4

SULAWESI TENGAH KAB. MOROWALI 4 3

KAB. BANGGAI KEPULAUAN 4 4

KAB. DONGGALA 4 4

KAB. POSO 5 4

KAB. TOJO UNA-UNA 4 4

KOTA PALU 5 4

KAB. BANGGAI 4 5

KAB. BUOL 5 5

KAB. PARIGI MOUTONG 4 5

KAB. TOLI-TOLI 5 5

KAB. BANGGAI LAUT 4 4

KAB. MOROWALI UTARA 4 3

KAB. SIGI 4 4

SULAWESI TENGGARA KAB. BOMBANA 2 3

KAB. BUTON 3 3

KAB. KOLAKA 2 3

KAB. KOLAKA UTARA 3 3

KAB. KONAWE 4 3

KAB. KONAWE SELATAN 3 3

KAB. KONAWE UTARA 5 3

KAB. MUNA 2 3

KAB. WAKATOBI 3 3

KOTA BAU-BAU 2 3

KAB. BUTON UTARA 3 4

KOTA KENDARI 5 4

KAB. KONAWE KEPULAUAN 4 3

KAB. KOLAKA TIMUR 2 3

SULAWESI UTARA KAB. BOLAANG MONGONDOW 4 5

KAB. BOLAANG MONGONDOW UTARA 4 5

KAB. KEPULAUAN SANGIHE 5 5

KAB. SIAU TAGULANDANG BITARO 5 5

KAB. KEPULAUAN TALAUD 5 5

KAB. MINAHASA 5 5

KAB. MINAHASA SELATAN 4 5

KAB. MINAHASA TENGGARA 5 5

KAB. MINAHASA UTARA 5 5

KOTA BITUNG 5 5

KOTA KOTAMOBAGU 4 5

KOTA MANADO 4 5

KOTA TOMOHON 5 5

KAB. BOLAANG MONGONDOW SELATAN 4 5

KAB. BOLAANG MONGONDOW TIMUR 4 5

SUMATERA BARAT KAB. DHARMASRAYA 4 3

KAB. PASAMAN 5 3

KAB. LIMA PULUH KOTA 5 4

KAB. PASAMAN BARAT 5 4

KAB. SIJUNJUNG 4 4

KAB. TANAH DATAR 5 4

KOTA PAYAKUMBUH 4 4

KOTA SAWAH LUNTO 5 4

KAB. AGAM 5 5

KAB. KEPULAUAN MENTAWAI 5 5

KAB. PADANG PARIAMAN 5 5


121


*Berdasarkan Surat Edaran OJK Nomor 21/SEOJK.05/2015

** Berdasarkan Surat Edaran NOMOR SE-06/D.05/2013


SUMATERA BARAT KAB. PESISIR SELATAN 5 5

KAB. SOLOK 5 5

KAB. SOLOK SELATAN 5 5

KOTA BUKITTINGGI 5 5

KOTA PADANG 5 5

KOTA PADANG PANJANG 5 5

KOTA PARIAMAN 5 5

KOTA SOLOK 5 5

SUMATERA SELATAN KAB. OGAN ILIR 4 2

KAB. OGAN KOMERING ILIR 3 2

KOTA PALEMBANG 3 2

KAB. BANYU ASIN 4 3

KAB. LAHAT 5 3

KAB. MUARA ENIM 4 3

KAB. MUSI BANYUASIN 4 3

KAB. OGAN KOMERING ULU 4 3

KAB. OGAN KOMERING ULU TIMUR 4 3

KOTA PRABUMULIH 4 3

KAB. EMPAT LAWANG 5 4

KAB. MUSI RAWAS 4 4

KAB. OGAN KOMERING ULU SELATAN 5 4

KOTA LUBUKLINGGAU 5 4

KOTA PAGAR ALAM 5 4

KAB. PENUKAL ABAB LEMATANG ILIR 4 3

KAB. MUSI RAWAS UTARA 4 4

SUMATERA UTARA KAB. ASAHAN 4 3

KAB. BATU BARA 4 3

KAB. DELI SERDANG 4 3

KAB. LABUHAN BATU 4 3

KAB. LANGKAT 5 3

KAB. SERDANG BEDAGAI 4 3

KOTA BINJAI 4 3

KOTA MEDAN 4 3

KOTA TANJUNG BALAI 4 3

KOTA TEBING TINGGI 4 3

KAB. DAIRI 5 4

KAB. KARO 5 4

KAB. MANDAILING NATAL 5 4

KAB. PADANG LAWAS 5 4

KAB. PAKPAK BHARAT 5 4

KAB. SAMOSIR 5 4

KAB. SIMALUNGUN 5 4

KAB. TAPANULI SELATAN 5 4

KAB. TOBA SAMOSIR 5 4

KOTA PADANGSIDIMPUAN 5 4

KOTA PEMATANG SIANTAR 4 4

KAB. HUMBANG HASUNDUTAN 5 5

KAB. NIAS 5 5

KAB. NIAS SELATAN 5 5

KAB. TAPANULI TENGAH 5 5

KAB. TAPANULI UTARA 5 5

KAB. PADANG LAWAS UTARA 5 4

KAB. LABUHAN BATU SELATAN 4 3

KAB. LABUHAN BATU UTARA 4 3

KAB. NIAS UTARA 5 5

KAB. NIAS BARAT 5 5

KOTA GUNUNGSITOLI 5 5

KOTA SIBOLGA 5 5


122



CRESTA ZONE INDONESIA

* Cresta Zone terbaru dari www.cresta.org yang terkini tahun 2012 dengan (Low Resolution)

CRESTA ID* CRESTA Description

IDN_AC Nanggroe Aceh Darussalam

IDN_BA Bali

IDN_BB Kepulauan Bangka Belitung

IDN_BE Bengkulu

IDN_BT Banten

IDN_GO Gorontalo

IDN_JA Jambi

IDN_JB Jawa Barat

IDN_JI Jawa Timur

IDN_JK DKI Jakarta

IDN_JT Jawa Tengah

IDN_KB Kalimantan Barat

IDN_KI Kalimantan Timur

IDN_KR Kepulauan Riau

IDN_KS Kalimantan Selatan

IDN_KT Kalimantan Tengah

IDN_LA Lampung

IDN_MA Maluku

IDN_MU Maluku Utara

IDN_NB Nusa Tenggara Barat

IDN_NT Nusa Tenggara Timur

IDN_PA Papua

IDN_PB Papua Barat

IDN_RI Riau

IDN_SA Sulawesi Utara

IDN_SB Sumatera Barat

IDN_SG Sulawesi Tenggara

IDN_SN Sulawesi Selatan

IDN_SR Sulawesi Barat

IDN_SS Sumatera Selatan

IDN_ST Sulawesi Tengah

IDN_SU Sumatera Utara

IDN_YO DI Yogyakarta


123


CRESTA ID** CRESTA Description

IDN_1101 Simeulue

IDN_1102 Aceh Singkil

IDN_1103 Aceh Selatan

IDN_1104 Aceh Tenggara

IDN_1105 Aceh Timur

IDN_1106 Aceh Tengah

IDN_1107 Aceh Barat

IDN_1108 Aceh Besar

IDN_1109 Pidie

IDN_1110 Bireuen

IDN_1111 Aceh Utara

IDN_1112 Aceh Barat Daya

IDN_1113 Gayo Lues

IDN_1114 Aceh Tamiang

IDN_1115 Nagan Raya

IDN_1116 Aceh Jaya

IDN_1117 Bener Meriah

IDN_1118 Pidie Jaya

IDN_1171 Kota Banda Aceh

IDN_1172 Kota Sabang

IDN_1173 Kota Langsa

IDN_1174 Kota Lhokseumawe

IDN_1175 Kota Subulussalam

IDN_1201 Nias

IDN_1202 Mandailing Natal

IDN_1203 Tapanuli Selatan

IDN_1204 Tapanuli Tengah

IDN_1205 Tapanuli Utara

IDN_1206 Toba Samosir

IDN_1207 Labuhan Batu

IDN_1208 Asahan

IDN_1209 Simalungun

IDN_1210 Dairi

IDN_1211 Karo

IDN_1212 Deli Serdang

IDN_1213 Langkat

IDN_1214 Nias Selatan

IDN_1215 Humbang Hasundutan

IDN_1216 Pakpak Bharat

IDN_1217 Samosir

IDN_1218 Serdang Bedagai

IDN_1219 Batu Bara

IDN_1220 Padang Lawas Utara

IDN_1221 Padang Lawas


IDN_1222 Labuhan Batu Selatan

IDN_1223 Labuhan Batu Utara

IDN_1224 Nias Utara

IDN_1225 Nias Barat

IDN_1271 Kota Sibolga

IDN_1272 Kota Tanjung Balai

IDN_1273 Kota Pematang Siantar

IDN_1274 Kota Tebing Tinggi

IDN_1275 Kota Medan

IDN_1276 Kota Binjai

IDN_1277 Kota Padang Sidempuan

IDN_1278 Kota Gunungsitoli

IDN_1301 Kepulauan Mentawai

IDN_1302 Pesisir Selatan

IDN_1303 Solok

IDN_1304 Sijunjung

IDN_1305 Tanah Datar

IDN_1306 Padang Pariaman

IDN_1307 Agam

IDN_1308 Lima Puluh Kota

IDN_1309 Pasaman

IDN_1310 Solok Selatan

IDN_1311 Dharmas Raya

IDN_1312 Pasaman Barat

IDN_1371 Kota Padang

IDN_1372 Kota Solok

IDN_1373 Kota Sawah Lunto

IDN_1374 Kota Padang Panjang

IDN_1375 Kota Bukittinggi

IDN_1376 Kota Payakumbuh

IDN_1377 Kota Pariaman

IDN_1401 Kuantan Singingi

IDN_1402 Indragiri Hulu

IDN_1403 Indragiri Hilir

IDN_1404 Pelalawan

IDN_1405 Siak

IDN_1406 Kampar

IDN_1407 Rokan Hulu

IDN_1408 Bengkalis

IDN_1409 Rokan Hilir

IDN_1410 Kepulauan Meranti

IDN_1471 Kota Pekanbaru

IDN_1473 Kota Dumai

IDN_1501 Kerinci

IDN_1502 Merangin


124



IDN_1503 Sarolangun

IDN_1504 Batang Hari

IDN_1505 Muaro Jambi

IDN_1506 Tanjung Jabung Timur

IDN_1507 Tanjung Jabung Barat

IDN_1508 Tebo

IDN_1509 Bungo

IDN_1571 Kota Jambi

IDN_1572 Kota Sungai Penuh

IDN_1601 Ogan Komering Ulu

IDN_1602 Ogan Komering Ilir

IDN_1603 Muara Enim

IDN_1604 Lahat

IDN_1605 Musi Rawas

IDN_1606 Musi Banyuasin

IDN_1607 Banyuasin

IDN_1608 Ogan Komering Ulu Selatan

IDN_1609 Ogan Komering Ulu Timur

IDN_1610 Ogan Ilir

IDN_1611 Empat Lawang

IDN_1671 Kota Palembang

IDN_1672 Kota Prabumulih

IDN_1673 Kota Pagar Alam

IDN_1674 Kota Lubuklinggau

IDN_1701 Bengkulu Selatan

IDN_1702 Rejang Lebong

IDN_1703 Bengkulu Utara

IDN_1704 Kaur

IDN_1705 Seluma

IDN_1706 Mukomuko

IDN_1707 Lebong

IDN_1708 Kepahiang

IDN_1709 Bengkulu Tengah

IDN_1771 Kota Bengkulu

IDN_1801 Lampung Barat

IDN_1802 Tanggamus

IDN_1803 Lampung Selatan

IDN_1804 Lampung Timur

IDN_1805 Lampung Tengah

IDN_1806 Lampung Utara

IDN_1807 Way Kanan

IDN_1808 Tulangbawang

IDN_1809 Pesawaran

IDN_1810 Pringsewu

IDN_1811 Mesuji


IDN_1812 Tulangbawang Barat

IDN_1871 Kota Bandar Lampung

IDN_1872 Kota Metro

IDN_1901 Bangka

IDN_1902 Belitung

IDN_1903 Bangka Barat

IDN_1904 Bangka Tengah

IDN_1905 Bangka Selatan

IDN_1906 Belitung Timur

IDN_1971 Kota Pangkal Pinang

IDN_2101 Karimun

IDN_2102 Bintan

IDN_2103 Natuna

IDN_2104 Lingga

IDN_2105 Kepulauan Anambas

IDN_2171 Kota Batam

IDN_2172 Kota Tanjung Pinang

IDN_3101 Kepulauan Seribu

IDN_3171 Kodya Jakarta Selatan

IDN_3172 Kodya Jakarta Timur

IDN_3173 Kodya Jakarta Pusat

IDN_3174 Kodya Jakarta Barat

IDN_3175 Kodya Jakarta Utara

IDN_3201 Bogor

IDN_3202 Sukabumi

IDN_3203 Cianjur

IDN_3204 Bandung

IDN_3205 Garut

IDN_3206 Tasikmalaya

IDN_3207 Ciamis

IDN_3208 Kuningan

IDN_3209 Cirebon

IDN_3210 Majalengka

IDN_3211 Sumedang

IDN_3212 Indramayu

IDN_3213 Subang

IDN_3214 Purwakarta

IDN_3215 Karawang

IDN_3216 Bekasi

IDN_3217 Bandung Barat

IDN_3271 Kota Bogor

IDN_3272 Kota Sukabumi

IDN_3273 Kota Bandung

IDN_3274 Kota Cirebon

IDN_3275 Kota Bekasi


125



IDN_3276 Kota Depok

IDN_3277 Kota Cimahi

IDN_3278 Kota Tasikmalaya

IDN_3279 Kota Banjar

IDN_3301 Cilacap

IDN_3302 Banyumas

IDN_3303 Purbalingga

IDN_3304 Banjarnegara

IDN_3305 Kebumen

IDN_3306 Purworejo

IDN_3307 Wonosobo

IDN_3308 Magelang

IDN_3309 Boyolali

IDN_3310 Klaten

IDN_3311 Sukoharjo

IDN_3312 Wonogiri

IDN_3313 Karanganyar

IDN_3314 Sragen

IDN_3315 Grobogan

IDN_3316 Blora

IDN_3317 Rembang

IDN_3318 Pati

IDN_3319 Kudus

IDN_3320 Jepara

IDN_3321 Demak

IDN_3322 Semarang

IDN_3323 Temanggung

IDN_3324 Kendal

IDN_3325 Batang

IDN_3326 Pekalongan

IDN_3327 Pemalang

IDN_3328 Tegal

IDN_3329 Brebes

IDN_3371 Kota Magelang

IDN_3372 Kota Surakarta

IDN_3373 Kota Salatiga

IDN_3374 Kota Semarang

IDN_3375 Kota Pekalongan

IDN_3376 Kota Tegal

IDN_3401 Kulon Progo

IDN_3402 Bantul

IDN_3403 Gunung Kidul

IDN_3404 Sleman

IDN_3471 Kota Yogyakarta

IDN_3501 Pacitan


IDN_3502 Ponorogo

IDN_3503 Trenggalek

IDN_3504 Tulungagung

IDN_3505 Blitar

IDN_3506 Kediri

IDN_3507 Malang

IDN_3508 Lumajang

IDN_3509 Jember

IDN_3510 Banyuwangi

IDN_3511 Bondowoso

IDN_3512 Situbondo

IDN_3513 Probolinggo

IDN_3514 Pasuruan

IDN_3515 Sidoarjo

IDN_3516 Mojokerto

IDN_3517 Jombang

IDN_3518 Nganjuk

IDN_3519 Madiun

IDN_3520 Magetan

IDN_3521 Ngawi

IDN_3522 Bojonegoro

IDN_3523 Tuban

IDN_3524 Lamongan

IDN_3525 Gresik

IDN_3526 Bangkalan

IDN_3527 Sampang

IDN_3528 Pamekasan

IDN_3529 Sumenep

IDN_3571 Kota Kediri

IDN_3572 Kota Blitar

IDN_3573 Kota Malang

IDN_3574 Kota Probolinggo

IDN_3575 Kota Pasuruan

IDN_3576 Kota Mojokerto

IDN_3577 Kota Madiun

IDN_3578 Kota Surabaya

IDN_3579 Kota Batu

IDN_3601 Pandeglang

IDN_3602 Lebak

IDN_3603 Tangerang

IDN_3604 Serang

IDN_3671 Kota Tangerang

IDN_3672 Kota Cilegon

IDN_3673 Kota Serang

IDN_3674 Kota Tangerang Selatan


126



IDN_5101 Jembrana

IDN_5102 Tabanan

IDN_5103 Badung

IDN_5104 Gianyar

IDN_5105 Klungkung

IDN_5106 Bangli

IDN_5107 Karangasem

IDN_5108 Buleleng

IDN_5171 Kota Denpasar

IDN_5201 Lombok Barat

IDN_5202 Lombok Tengah

IDN_5203 Lombok Timur

IDN_5204 Sumbawa

IDN_5205 Dompu

IDN_5206 Bima

IDN_5207 Sumbawa Barat

IDN_5208 Lombok Utara

IDN_5271 Kota Mataram

IDN_5272 Kota Bima

IDN_5301 Sumba Barat

IDN_5302 Sumba Timur

IDN_5303 Kupang

IDN_5304 Timor Tengah Selatan

IDN_5305 Timor Tengah Utara

IDN_5306 Belu

IDN_5307 Alor

IDN_5308 Lembata

IDN_5309 Flores Timur

IDN_5310 Sikka

IDN_5311 Ende

IDN_5312 Ngada

IDN_5313 Manggarai

IDN_5314 Rote Ndao

IDN_5315 Manggarai Barat

IDN_5316 Sumba Tengah

IDN_5317 Sumba Barat Daya

IDN_5318 Nagekeo

IDN_5319 Manggarai Timur

IDN_5320 Sabu Raijua

IDN_5371 Kota Kupang

IDN_6101 Sambas

IDN_6102 Bengkayang

IDN_6103 Landak

IDN_6104 Pontianak

IDN_6105 Sanggau


IDN_6106 Ketapang

IDN_6107 Sintang

IDN_6108 Kapuas Hulu

IDN_6109 Sekadau

IDN_6110 Melawi

IDN_6111 Kayong Utara

IDN_6112 Kubu Raya

IDN_6171 Kota Pontianak

IDN_6172 Kota Singkawang

IDN_6201 Kotawaringin Barat

IDN_6202 Kotawaringin Timur

IDN_6203 Kapuas

IDN_6204 Barito Selatan

IDN_6205 Barito Utara

IDN_6206 Sukamara

IDN_6207 Lamandau

IDN_6208 Seruyan

IDN_6209 Katingan

IDN_6210 Pulang Pisau

IDN_6211 Gunung Mas

IDN_6212 Barito Timur

IDN_6213 Murung Raya

IDN_6271 Kota Palangka Raya

IDN_6301 Tanah Laut

IDN_6302 Kota Baru

IDN_6303 Banjar

IDN_6304 Barito Kuala

IDN_6305 Tapin

IDN_6306 Hulu Sungai Selatan

IDN_6307 Hulu Sungai Tengah

IDN_6308 Hulu Sungai Utara

IDN_6309 Tabalong

IDN_6310 Tanah Bumbu

IDN_6311 Balangan

IDN_6371 Kota Banjarmasin

IDN_6372 Kota Banjar Baru

IDN_6401 Pasir

IDN_6402 Kutai Barat

IDN_6403 Kutai Kartanegara

IDN_6404 Kutai Timur

IDN_6405 Berau

IDN_6406 Malinau

IDN_6407 Bulungan

IDN_6408 Nunukan

IDN_6409 Penajam Paser Utara


127



IDN_6410 Tana Tidung

IDN_6471 Kota Balikpapan

IDN_6472 Kota Samarinda

IDN_6473 Kota Tarakan

IDN_6474 Kota Bontang

IDN_7101 Bolaang Mongondow

IDN_7102 Minahasa

IDN_7103 Kepulauan Sangihe

IDN_7104 Kepulauan Talaud

IDN_7105 Minahasa Selatan

IDN_7106 Minahasa Utara

IDN_7107 Bolaang Mongondow Utara

IDN_7108 Siau Tagulandang Biaro

IDN_7109 Minahasa Tenggara

IDN_7110 Bolaang Mongondow Selatan

IDN_7111 Bolaang Mongondow Timur

IDN_7171 Kota Manado

IDN_7172 Kota Bitung

IDN_7173 Kota Tomohon

IDN_7174 Kota Mobagu

IDN_7201 Banggai Kepulauan

IDN_7202 Banggai

IDN_7203 Morowali

IDN_7204 Poso

IDN_7205 Donggala

IDN_7206 Toli Toli

IDN_7207 Buol

IDN_7208 Parigi Moutong

IDN_7209 Tojo Una Una

IDN_7210 Sigi

IDN_7271 Kota Palu

IDN_7301 Kepulauan Selayar

IDN_7302 Bulukumba

IDN_7303 Bantaeng

IDN_7304 Jeneponto

IDN_7305 Takalar

IDN_7306 Gowa

IDN_7307 Sinjai

IDN_7308 Maros

IDN_7309 Pangkajene Kepulauan

IDN_7310 Barru

IDN_7311 Bone

IDN_7312 Soppeng

IDN_7313 Wajo

IDN_7314 Sidenreng Rappang


IDN_7315 Pinrang

IDN_7316 Enrekang

IDN_7317 Luwu

IDN_7318 Tana Toraja

IDN_7322 Luwu Utara

IDN_7325 Luwu Timur

IDN_7326 Toraja Utara

IDN_7371 Kota Makassar

IDN_7372 Kota Pare Pare

IDN_7373 Kota Palopo

IDN_7401 Buton

IDN_7402 Muna

IDN_7403 Konawe

IDN_7404 Kolaka

IDN_7405 Konawe Selatan

IDN_7406 Bombana

IDN_7407 Wakatobi

IDN_7408 Kolaka Utara

IDN_7409 Buton Utara

IDN_7410 Konawe Utara

IDN_7471 Kota Kendari

IDN_7472 Kota Bau-Bau

IDN_7501 Boalemo

IDN_7502 Gorontalo

IDN_7503 Pohuwato

IDN_7504 Bone Bolango

IDN_7505 Gorontalo Utara

IDN_7571 Kota Gorontalo

IDN_7601 Majene

IDN_7602 Polewali Mandar

IDN_7603 Mamasa

IDN_7604 Mamuju

IDN_7605 Mamuju Utara

IDN_8101 Maluku Tenggara Barat

IDN_8102 Maluku Tenggara

IDN_8103 Maluku Tengah

IDN_8104 Buru

IDN_8105 Kepulauan Aru

IDN_8106 Seram Bagian Barat

IDN_8107 Seram Bagian Timur

IDN_8108 Maluku Barat Daya

IDN_8109 Buru Selatan

IDN_8171 Kota Ambon

IDN_8172 Kota Tual

IDN_8201 Halmahera Barat


128


** Cresta Zone terbaru dari www.cresta.org yang terkini tahun 2012 dengan (High Resolution)


IDN_8202 Halmahera Tengah

IDN_8203 Kepulauan Sula

IDN_8204 Halmahera Selatan

IDN_8205 Halmahera Utara

IDN_8206 Halmahera Timur

IDN_8207 Pulau Morotai

IDN_8271 Kota Ternate

IDN_8272 Kota Tidore Kepulauan

IDN_9101 Fak-Fak

IDN_9102 Kaimana

IDN_9103 Teluk Wondama

IDN_9104 Teluk Bintuni

IDN_9105 Manokwari

IDN_9106 Sorong Selatan

IDN_9107 Sorong

IDN_9108 Raja Ampat

IDN_9109 Tambrauw

IDN_9110 Maybrat

IDN_9171 Kota Sorong

IDN_9401 Merauke

IDN_9402 Jayawijaya

IDN_9403 Jayapura

IDN_9404 Nabire

IDN_9408 Kepulauan Yapen

IDN_9409 Biak Numfor

IDN_9410 Paniai

IDN_9411 Puncak Jaya

IDN_9412 Mimika

IDN_9413 Boven Digoel

IDN_9414 Mappi

IDN_9415 Asmat

IDN_9416 Yahukimo

IDN_9417 Pegunungan Bintang

IDN_9418 Tolikara

IDN_9419 Sarmi

IDN_9420 Keerom

IDN_9426 Waropen

IDN_9427 Supiori

IDN_9428 Mamberamo Raya

IDN_9429 Nduga

IDN_9430 Lanny Jaya

IDN_9431 Mamberamo Tengah

IDN_9432 Yalimo

IDN_9433 Puncak

IDN_9434 Dogiyai

IDN_9435 Intan Jaya

IDN_9436 Deiyai

IDN_9471 Kota Jayapura


129



Penetapan tarif Premi atau Kontribusi untuk polis yang tidak menerapkan pertanggungan

secara Nilai Penuh (Full Value) maka berlaku skala sebagai berikut :

% of

Values

% of Total

Premium or

Contribution

% of

Values

% of Total

Premium or

Contribution

% of

Values

% of Total

Premium or

Contribution

% of

Values

% of Total

Premium or

Contribution

100,00 100,00 66,00 88,20 32,00 79,37 4,40 47,00

99,00 99,60 65,00 88,00 31,00 78,75 4,30 46,50

98,00 99,20 64,00 87,80 30,00 78,12 4,20 46,00

97,00 98,80 63,00 87,60 29,00 77,50 4,10 45,50

96,00 98,40 62,00 87,40 28,00 76,87 4,00 45,00

95,00 98,00 61,00 87,20 27,00 76,25 3,90 44,50

94,00 97,60 60,00 87,00 26,00 75,62 3,80 44,00

93,00 97,20 59,00 86,80 25,00 75,00 3,70 43,50

92,00 96,80 58,00 86,60 24,00 74,00 3,60 43,00

91,00 96,40 57,00 86,40 23,00 73,00 3,50 42,50

90,00 96,00 56,00 86,20 22,00 72,00 3,40 42,00

89,00 95,60 55,00 86,00 21,00 71,00 3,30 41,50

88,00 95,20 54,00 85,80 20,00 70,00 3,20 41,00

87,00 94,80 53,00 85,60 19,00 69,00 3,10 40,50

86,00 94,40 52,00 85,40 18,00 68,00 3,00 40,00

85,00 94,00 51,00 85,20 17,00 67,00 2,90 39,75

84,00 93,60 50,00 85,00 16,00 66,00 2,80 39,50

83,00 93,20 49,00 84,70 15,00 65,00 2,70 39,25

82,00 92,80 48,00 84,46 14,00 64,00 2,60 39,00

81,00 92,40 47,00 84,21 13,00 63,00 2,50 38,75

80,00 92,00 46,00 83,90 12,00 62,00 2,40 38,50

79,00 91,60 45,00 83,60 11,00 61,00 2,30 38,25

78,00 91,20 44,00 83,30 10,00 60,00 2,20 38,00

77,00 90,80 43,00 83,00 9,00 58,00 2,10 37,75

76,00 90,40 42,00 82,80 8,00 56,00 2,00 37,50

75,00 90,00 41,00 82,53 7,50 55,00 1,90 37,00

74,00 89,80 40,00 82,20 7,00 54,00 1,80 36,50

73,00 89,60 39,00 81,87 6,00 52,00 1,70 36,00

72,00 89,40 38,00 81,54 5,00 50,00 1,60 35,50

71,00 89,20 37,00 81,21 4,90 49,50 1,50 35,00

70,00 89,00 36,00 80,88 4,80 49,00 1,40 34,50

69,00 88,80 35,00 80,55 4,70 48,50 1,30 34,00

68,00 88,60 34,00 80,22 4,60 48,00 1,20 33,50

67,00 88,40 33,00 80,00 4,50 47,50 1,10 33,00

1,00 32,50

TARIF PREMI ATAU KONTRIBUSI UNTUK POLIS LOSS LIMIT

(sumber:Lampiran IV Surat Edaran OJK Nomor: NOMOR 21/SEOJK.05/2015, 30 Juni 2015)


130



TARIF 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


131



SKALA TARIF PREMI ATAU KONTRIBUSI

GANGGUAN USAHA (BUSINESS INTERRUPTION)

Penetapan tarif Premi atau Kontribusi untuk jaminan gangguan usaha (business interruption)

berlaku skala sebagai berikut:

Indemnity

Period Persentase (%) dari Tarif Premi atau

Kontribusi

1 bulan 20% x 100% tarif Premi atau Kontribusi









21 bulan 91.5% x 100% tarif Premi atau Kontribusi





Untuk indemnity period lebih dari 48 bulan penetapan persentase dari tarif Premi atau Kontribusi diserahkan kepada underwriter Perusahaan

(sumber:Lampiran IV Surat Edaran OJK Nomor: NOMOR 21/SEOJK.05/2015, 30 Juni 2015)

maipark statistik 06/2016 · maipark, statistik, 06/2016 ikhtisar statistik asuransi gempa bumi...

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