Ref No. : 101/L-MG/XI-08/AMI/FS-lw
Kepada Yth, Direksi Seluruh Perusahaan Asuransi Di Tempat
Perihal
:
Statistik Gempa Bumi Indonesia 2004 - 2007
Dengan hormat, Bersama ini kami sampaikan Statistik Asuransi Gempa Bumi periode 2006 - 2007 posisi sampai dengan bulan Juni 2007. Sedangkan Statistik Asuransi Gempa Bumi Periode 2004 – 2005 posisi sampai dengan Desember 2006. Sementara ini kami masih mempersiapkan statistik 2004 - 2007 posisi sampai dengan Desember 2007 yang dalam waktu tidak terlalu lama akan kami kirimkan pula ke seluruh perusahaan asuransi. Kami berharap statistik ini dapat bermanfaat tidak hanya bagi perusahaan asuransi yang menangani Asuransi Gempa Bumi namun dapat pula berguna bagi industri asuransi umum di Indonesia. Atas perhatian serta kerjasamanya yang baik kami ucapkan terima kasih.
Jakarta, 18 November 2008 Hormat kami,
Frans Y. Sahusilawane Presiden Direktur
Bisma Subrata Direktur
ANALISA I.
PREMI BRUTO DAN JUMLAH RISIKO 1. PREMI BRUTO -
Premi Bruto Underwriting Year 2006 posisi sampai dengan Juni 2007 sebesar Rp. 2.1 triliun mengalami kenaikan sebesar 17.41 % bila dibandingkan dengan Premi Bruto Underwriting Year 2005 posisi sampai dengan Desember 2006 sebesar Rp. 1.8 triliun. Sedangkan Premi Bruto Underwriting Year 2007 sebesar Rp. 206.9 milyar lebih rendah dibandingkan premi Underwriting Year 2006 sebesar Rp. 358 milyar karena belum menggambarkan premi penuh selama satu tahun.
-
Premi Bruto terbesar Underwriting Year 2006 berdasarkan zona adalah Zona 3 sebesar Rp. 1,109 milyar atau naik 76.59 % bila dibandingkan dengan Premi Bruto Underwriting Year 2005 sebesar Rp. 628 milyar, dan Premi Bruto Underwriting Year 2007 untuk Zona 3 sebesar Rp. 100 milyar
-
Penyebaran premi dari tahun ke tahun memperlihatkan trend yang relatif tetap, yakni didominasi oleh Zona 3 (DKI Jakarta) dan sebagian kecil pada Zona 4 (Central Java); 5 (East Java); serta Zona 2 (South Sumatera)
-
Premi Bruto terbesar Underwriting Year 2007 berdasarkan okupasi adalah Industrial sebesar Rp. 141.8 milyar atau 69 % dari seluruh Premi Bruto sebesar Rp. 206.9 milyar Premi Bruto terbesar Underwriting Year 2006 berdasarkan okupasi adalah Industrial sebesar Rp. 1,544 milyar atau 74 % dari seluruh Premi Bruto sebesar Rp. 2.1 triliun. Industrial adalah merupakan jenis okupasi yang memberikan kontribusi tertinggi disusul dengan jenis okupasi Commercial, kemudian Residential dan terakhir adalah okupasi Agricultural. Industrial adalah okupasi yang mengalami kenaikan tertinggi pada Underwriting Year 2006 dan Underwriting Year 2007. Kenaikan juga terjadi pada okupasi Commercial dan Residential. Begitu juga dengan okupasi Agricultural dari tahun 2006 ke 2007.
Kenaikan premi bruto Underwriting year 2006 sebesar 17.41% disebabkan antara lain : a) Kedisiplinan untuk mensesikan dan mengikuti ketentuan yang berlaku pada penutupan asuransi gempa bumi meningkat. b) Permintaan polis dari masyarakat sudah meningkat seiring dengan banyaknya kejadian gempa yang terjadi atau makin meningkatnya kesadaran masyarakat untuk membeli polis asuransi. c) Ada beberapa perusahaan asuransi baru yang juga telah mensesikan risiko gempa buminya. d) Beberapa perusahaan asuransi juga telah menaikkan rate standar gempa bumi, mengingat banyaknya kejadian gempa. e) Peningkatan kedisplinan sesi yang cukup signifikan dari beberapa perusahaan asuransi besar. f) Peningkatan jumlah permintaan persetujuan untuk spesial persyaratan & kondisi melalui AAUI/KARBA yaitu dari 94 permintaan di 2006 menjadi 130 permintaan di 2007.
2. JUMLAH RISIKO (NUMBER OF RISKS) Sejalan dengan kenaikan Premi Bruto Underwriting Year 2006, jumlah risiko pun meningkat. Terlihat di Underwriting Year 2006 jumlah risiko sebanyak 84,589 risiko atau terjadi peningkatan sebesar 22% bila dibandingkan dengan Underwriting Year 2005 sebesar 69,114 risiko. Adapun untuk jumlah risiko Underwriting Year 2006, yang tertinggi berada di Zona 3 sebesar 44,890 risiko atau 53% dari total risiko sebesar 84,589 risiko. Sedangkan untuk Underwriting Year 2007, jumlah risiko terbesar juga berada di Zona 3, yaitu sebesar 3,969 risiko atau 45% dari total risiko sebesar 8,743 risiko. Berdasarkan okupasi, untuk Underwriting Year 2006 jumlah risiko terbesar berada di okupasi Commercial, yaitu sebesar 43,781 risiko atau 52% dari total risiko. Sedangkan untuk Underwriting Year 2007, jumlah risiko terbesar juga berada di okupasi Commercial, yaitu sebesar 4,192 risiko atau 48% dari total risiko.
II.
KLAIM INCURRED DAN FREKUENSI KLAIM 1. KLAIM INCURRED
-
Jumlah Klaim Incurred untuk Underwriting Year 2006 sebesar Rp. 108 milyar menurun dibandingkan Underwriting Year 2005 sebesar Rp. 254 milyar. Penurunan ini disebabkan karena: a. Banyak klaim yang melibatkan risiko dengan periode polis Underwriting Year 2005. b. Jumlah klaim yang dilaporkan di Underwriting Year 2006 adalah 215 menurun dibandingkan di Underwriting Year 2005 sebanyak 273. c. Klaim Incurred Underwriting Year 2005 yang terbesar adalah berdasarkan event Yogjakarta (27.05.06) yaitu sebesar Rp. 243 milliar. Jumlah Klaim Incurred Underwriting Year 2007 sebesar Rp. 70 milyar, terdiri dari 3 event yaitu Event Manado (21.01.07), Event Bukittinggi (21.02.07) dan event terbesar adalah Padang (06.03.07) dengan jumlah sebesar Rp. 45 miliar.
-
Klaim Bruto terbesar Underwriting Year 2005 : PT. Pesona Wisata Bangun Jogja Indah (Yogyakarta, 27.05.06) sebesar Rp. 12 miliyar Underwriting Year 2006 : PT. Telekomunikasi Indonesia (Yogyakarta, 27.06.05) sebesar Rp. 16 miliyar Underwriting Year 2007 : PT. Telekomunikasi Indonesia (Padang, 06.03.07) sebesar Rp. 45 miliyar
-
Jumlah kerugian terbesar berdasarkan okupasi adalah sebagai berikut :
Underwriting Year 2005 : Okupasi Commercial sebesar 99% dari total Klaim Incurred. Underwriting Year 2006 : Okupasi Commercial sebesar 93% dari total Klaim Incurred. Underwriting Year 2007 : Okupasi Commercial sebesar 100% dari total Klaim Incurred.
2. FREKUENSI KLAIM Frekuensi klaim di Underwriting Year 2006 (215 klaim) lebih besar 95,34% dibandingkan dengan frekuensi klaim Underwriting Year 2007 (10 klaim). Hal ini disebabkan karena pada Underwriting Year 2006 terdapat 6 gempa bumi dan Underwriting Year 2007 hanya 3 gempa bumi. Pada Underwriting Year 2006 terjadi 215 klaim dimana sebanyak 120 klaim adalah klaim Jogjakarta dan 67 untuk klaim Padang dan Bengkulu.. Jumlah Frekuensi Klaim terbanyak dari tahun 2006 – 2007 berdasarkan okupasi adalah Commercial. Jumlah Frekuensi Klaim terbanyak dari tahun 2006 – 2007 berdasarkan zona terdapat di Zona 4 (Jawa Tengah).
INFORMASI STATISTIK
1.
Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan posisi 30 Juni 2007 (Underwriting Year 2006 & 2007) dan posisi 31 Desember 2006 (Underwriting Year 2004 & 2005)
2.
Sesi Limit 2.1. Limit Sesi didasarkan atas setiap risiko. 2.2. Yang dimaksud dengan setiap risiko (any one risk) adalah akumulasi (aggregate) jumlah harga pertanggungan seluruh risiko pada lokasi yang sama untuk masing-masing perusahaan asuransi. Definisi setiap risiko atau setiap lokasi ditentukan oleh perusahaan asuransi/ Penerbit Polis sesuai dengan interpretasi perusahaan asuransi dalam underwriting Polis Kebakaran. 2.3. Besarnya Limit Sesi atas setiap risiko (any one risk) untuk gabungan Kerugian Fisik dan Gangguan Usaha adalah sebagai berikut : 2.3.1. Untuk daerah Jawa Barat, Banten dan DKI : 5% (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,500,000.00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi/ Penerbit Polis. 2.3.2
Untuk daerah Indonesia lainnya : 25% (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,500,000.00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko setiap perusahaan asuransi/Penerbit Polis.
2.4. Dalam hal penutupan secara First Loss Basis / Sub-limit, jumlah yang disesikan sebagaimana diatur dalam butir 2.3. diatas, dikalikan prosentase First Loss Basis / Sub-limit Basis. 2.5. Bilamana risiko ditutup secara ko-asuransi, jumlah maksimum sesi dari semua Anggota ko-asuransi adalah sesuai dengan ketentuan yang diatur dalam 2.3. diatas. Sesi masing-masing perusahaan adalah proporsional sebanding sahamnya dalam ko-asuransi. Dalam hal terdapat penutupan lain selain polis ko-asuransi tersebut pada obyek pertanggungan yang sama, perusahaan asuransi tetap dapat mensesikan risiko dimaksud, dengan catatan jumlah seluruh sesi perusahaan asuransi bersangkutan tidak melebihi ketentuan yang diatur pada butir 2.3.
3.
Tarif Premi 3.1. Penutupan dengan menggunakan Full Value Basis mengaplikasikan Tarif Premi Standar Gempa Bumi Indonesia (lampiran 1) 3.2. Penutupan dengan First Loss / Sub Limit Basis mengaplikasikan standar First Loss Scale (lampiran 2) 3.3. Perhitungan premi untuk penutupan kurang dari 12 (dua belas) bulan diberlakukan skala premi jangka pendek (lampiran 3) 3.4. Untuk perhitungan premi Bussiness Interruption diberlakukan Indemnity Period Scale (lampiran 4)
4.
Obyek Pertanggungan 4.1. Obyek pertanggungan yang dapat disesikan adalah obyek pertanggungan asuransi kebakaran berupa : 4.1.1. Kerusakan Fisik : Bangunan Pondasi Penggalian dan Sejenisnya Persediaan Barang Lain-lain 4.1.2 Gangguan Usaha : Keuntungan Bruto Upah Kenaikan Biaya Operasional Lain-lain 4.2 Penutupan sebagaimana dimaksud pada butir 4.1. adalah yang ditutup secara langsung (direct business) termasuk ko-asuransi. Penutupan tidak langsung (indirect business/Reasuransi) tidak dapat disesikan.
7.
Pelaporan Bordero Pelaporan bordero dilakukan setiap bulannya untuk semua risiko yang ditutup pada bulan yang bersangkutan dan sudah harus diterima selambat-lambatnya pada akhir bulan berikutnya.
8.
Untuk kasus “Multi Location Risk” yang mengalami kesulitan dalam mmberikan detail harga pertanggungan perlokasi maka dengan persetujuan AAUI pensesian risiko dan perhitungan premi dilakukan pada zona-zona tertentu.
9.
Untuk menggambarkan premi dan harga pertanggungan yang sebenarnya dalam penutupan asuransi gempa bumi berdasarkan ko-asuransi, diharapkan agar seluruh anggota ko-asuransi mensesikan risiko gempa bumi tersebut.
RISK & LOSS PROFILE UNDERWRITING YEAR OCCUPATION ZONE
: ALL : ALL : ALL
DATA POSITION FROM
01/01/2006
TO
30/06/2007
PROCESSING DATE
27/10/2008
Table A SUM INSURED (BAND) (In Million Rp.)
BAND
FROM
NUMBER OF RISKS
TO
f
F
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
rp
INCURRED CLAIM (In Million Rp.)
CLAIM FREQUENCY PERCENTAGE BAND CUM.
RP
f
PERCENTAGE BAND CUM.
F
rp
RP
LOSS RATIO
PERCENTAGE BAND CUM.
PERCENTAGE BAND CUM.
1
0.00
50.00
19,899
19899.4
9.88
9.88
4,483
4,482.62
0.08
0.08
15
15
2.54
2.54
247
246.69
0.02
0.02
5.50
5.50
2
50.00
100.00
13,955
33854.4
6.93
16.80
1,255
5,737.61
0.02
0.10
46
61
7.78
10.32
1,060
1,306.42
0.10
0.12
84.44
22.77
3
100.00
200.00
21,739
55593
10.79
27.59
3,756
9,493.36
0.07
0.17
39
100
6.60
16.92
2,175
3,481.81
0.21
0.33
57.92
36.68
4
200.00
300.00
16,556
72149.2
8.22
35.81
4,471
13,963.91
0.08
0.25
66
166
11.17
28.09
4,985
8,467.11
0.47
0.81
111.51
60.64
5
300.00
500.00
21,521
93670.3
10.68
46.49
9,393
23,356.65
0.17
0.42
56
222
9.48
37.56
5,215
13,682.38
0.50
1.30
55.52
58.58
6
500.00
750.00
15,601
109271
7.74
54.23
10,291
33,647.82
0.19
0.61
46
268
7.78
45.35
2,437
16,119.26
0.23
1.53
23.68
47.91
7
750.00
1,000.00
12,726
121997
6.32
60.54
12,390
46,037.94
0.22
0.83
29
297
4.91
50.25
4,204
20,323.29
0.40
1.93
33.93
44.14
8
1,000.00
1,500.00
12,621
134618
6.26
66.81
18,002
64,039.49
0.32
1.15
37
334
6.26
56.51
5,457
25,780.30
0.52
2.45
30.31
40.26
9
1,500.00
2,000.00
8,542
143159
4.24
71.05
15,956
79,995.14
0.29
1.44
27
361
4.57
61.08
6,130
31,910.44
0.58
3.04
38.42
39.89
10
2,000.00
2,500.00
5,685
148844
2.82
73.87
13,966
93,961.60
0.25
1.69
24
385
4.06
65.14
2,673
34,583.32
0.25
3.29
19.14
36.81
11
2,500.00
3,000.00
4,649
153493
2.31
76.18
13,521
107,482.68
0.24
1.93
14
399
2.37
67.51
3,423
38,006.53
0.33
3.62
25.32
35.36
12
3,000.00
4,000.00
6,320
159812
3.14
79.31
23,819
131,301.53
0.43
2.36
27
426
4.57
72.08
5,822
43,828.55
0.55
4.17
24.44
33.38
13
4,000.00
5,000.00
4,789
164602
2.38
81.69
23,735
155,036.48
0.43
2.79
18
444
3.05
75.13
17,105
60,933.12
1.63
5.80
72.06
39.30
14
5,000.00
7,500.00
6,725
171326
3.34
85.03
44,875
199,911.24
0.81
3.60
24
468
4.06
79.19
7,713
68,645.62
0.73
6.53
17.19
34.34
15
7,500.00
10,000.00
5,056
176382
2.51
87.53
45,988
245,899.00
0.83
4.42
11
479
1.86
81.05
1,686
70,331.52
0.16
6.69
3.67
28.60
16
10,000.00
20,000.00
8,609
184992
4.27
91.81
134,103
380,002.19
2.41
6.84
24
503
4.06
85.11
27,341
97,672.51
2.60
9.29
20.39
25.70
17
20,000.00
50,000.00
8,153
193145
4.05
95.85
283,364
663,366.08
5.10
11.94
36
539
6.09
91.20
72,285
169,957.65
6.88
16.17
25.51
25.62
18
50,000.00
100,000.00
3,891
197036
1.93
97.78
304,208
967,573.97
5.47
17.41
12
551
2.03
93.23
20,186
190,143.52
1.92
18.09
6.64
19.65
19
100,000.00
500,000.00
3,290
200326
1.63
99.42
669,289
1,636,863.37
12.04
29.45
25
576
4.23
97.46
151,105
341,248.18
14.38
32.47
22.58
20.85
20
500,000.00
1,173
201499
0.58
100.00
3,920,515
5,557,378.71
70.55
100.00
15
591
2.54
100.00
709,587
1,050,835.36
67.53
100.00
18.10
18.91
UP
Page 1
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2004 : ALL : ALL
DATA POSITION FROM
01/01/2004
TO
31/12/2006
PROCESSING DATE
27/10/2008
Table B.1 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM
NUMBER OF RISKS
TO
f
F
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
rp
RP
CLAIM FREQUENCY
PERCENTAGE BAND CUM.
f
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
LOSS RATIO
PERCENTAGE BAND CUM.
RP
PERCENTAGE BAND CUM.
1
0.00
50.00
4292
4292
0.28
0.28
3,451.25
3,451.25
0.22
0.22
1
1
1.08
1.08
13.72
13.72
0.00
0.00
0.40
0.40
2
50.00
100.00
2719
7011
0.18
0.45
324.46
3,775.71
0.02
0.24
3
4
3.23
4.30
96.02
109.74
0.02
0.02
29.59
29.99
3
100.00
200.00
4394
11405
0.28
0.74
1,005.01
4,780.72
0.07
0.31
6
10
6.45
10.75
446.91
556.65
0.07
0.09
44.47
74.46
4
200.00
300.00
3384
14789
0.22
0.96
1,234.80
6,015.52
0.08
0.39
5
15
5.38
16.13
617.95
1,174.60
0.10
0.19
50.04
124.50 199.61
5
300.00
500.00
3604
18393
0.23
1.19
2,345.10
8,360.62
0.15
0.54
11
26
11.83
27.96
1,761.31
2,935.91
0.28
0.47
75.11
6
500.00
750.00
2689
21082
0.17
1.37
2,509.38
10,870.00
0.16
0.70
5
31
5.38
33.33
199.23
3,135.14
0.03
0.51
7.94
207.55
7
750.00
1,000.00
2065
23147
0.13
1.50
2,849.06
13,719.06
0.18
0.89
6
37
6.45
39.78
1,341.29
4,476.43
0.22
0.72
47.08
254.63
8
1,000.00
1,500.00
2138
25285
0.14
1.64
4,598.98
18,318.04
0.30
1.19
8
45
8.60
48.39
2,321.93
6,798.36
0.38
1.10
50.49
305.12
9
1,500.00
2,000.00
1567
26852
0.10
1.74
3,871.22
22,189.26
0.25
1.44
4
49
4.30
52.69
2,433.81
9,232.17
0.39
1.49
62.87
367.99
10
2,000.00
2,500.00
1113
27965
0.07
1.81
3,713.06
25,902.32
0.24
1.68
11
60
11.83
64.52
827.25
10,059.42
0.13
1.63
22.28
390.26 413.48
11
2,500.00
3,000.00
931
28896
0.06
1.87
3,655.49
29,557.81
0.24
1.91
3
63
3.23
67.74
848.75
10,908.17
0.14
1.76
23.22
12
3,000.00
4,000.00
1250
30146
0.08
1.95
6,644.63
36,202.44
0.43
2.35
5
68
5.38
73.12
461.74
11,369.91
0.07
1.84
6.95
420.43
13
4,000.00
5,000.00
1027
31173
0.07
2.02
6,961.29
43,163.73
0.45
2.80
1
69
1.08
74.19
4,917.14
16,287.05
0.80
2.63
70.64
491.07
14
5,000.00
7,500.00
1406
32579
0.09
2.11
13,158.92
56,322.65
0.85
3.65
7
76
7.53
81.72
477.50
16,764.55
0.08
2.71
3.63
494.70
15
7,500.00
10,000.00
1088
33667
0.07
2.18
13,448.93
69,771.58
0.87
4.52
0
76
-
81.72
-
16,764.55
-
2.71
0.00
494.70
16
10,000.00
20,000.00
1926
35593
0.12
2.31
40,101.17
109,872.75
2.60
7.12
3
79
3.23
84.95
693.00
17,457.55
0.11
2.82
1.73
496.42
17
20,000.00
50,000.00
1899
37492
0.12
2.43
88,885.79
198,758.54
5.76
12.88
2
81
2.15
87.10
350.32
17,807.87
0.06
2.88
0.39
496.82
18
50,000.00
100,000.00
885
38377
0.06
2.49
97,456.06
296,214.60
6.31
19.19
1
82
1.08
88.17
1.90
17,809.77
0.00
2.88
0.00
496.82
19
100,000.00
500,000.00
20
500,000.00
UP
495
38872
0.03
2.52
144,132.05
440,346.65
9.34
28.53
6
88
6.45
94.62
4,018.92
21,828.69
0.65
3.53
2.79
499.61
181
39053
0.01
2.53
1,103,230.34
1,543,576.99
71.47
100.00
5
93
5.38
100.00
596,652.28
618,480.97
96.47
100.00
54.08
553.69
Page 2
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2005 : ALL : ALL
DATA POSITION FROM
01/01/2005
TO
31/12/2006
PROCESSING DATE
27/10/2008
Table B.2 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM
NUMBER OF RISKS
TO
f
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
RP
CLAIM FREQUENCY
PERCENTAGE BAND CUM.
f
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
RP
LOSS RATIO
PERCENTAGE BAND CUM.
PERCENTAGE BAND CUM.
1
0.00
50.00
8969
8969
12.98
12.98
1,039.02
1,039.02
0.06
0.06
7
7
2.56
2.56
116.87
116.87
0.05
0.05
11.25
11.25
2
50.00
100.00
5513
14482
7.98
20.95
588.49
1,627.51
0.03
0.09
23
30
8.42
10.99
372.73
489.60
0.15
0.19
63.34
74.58
3
100.00
200.00
7726
22208
11.18
32.13
1,693.81
3,321.32
0.09
0.19
15
45
5.49
16.48
1,173.76
1,663.36
0.46
0.66
69.30
143.88
4
200.00
300.00
5303
27511
7.67
39.81
1,773.15
5,094.47
0.10
0.29
36
81
13.19
29.67
3,402.54
5,065.90
1.34
2.00
191.89
335.77
5
300.00
500.00
7076
34587
10.24
50.04
3,730.03
8,824.50
0.21
0.49
22
103
8.06
37.73
2,664.29
7,730.19
1.05
3.05
71.43
407.20 417.45
6
500.00
750.00
5037
39624
7.29
57.33
4,085.01
12,909.51
0.23
0.72
20
123
7.33
45.05
418.46
8,148.65
0.16
3.21
10.24
7
750.00
1,000.00
4027
43651
5.83
63.16
4,872.89
17,782.40
0.27
1.00
8
131
2.93
47.99
215.79
8,364.44
0.09
3.30
4.43
421.87
8
1,000.00
1,500.00
4122
47773
5.96
69.12
7,129.27
24,911.67
0.40
1.40
20
151
7.33
55.31
2,055.72
10,420.16
0.81
4.11
28.83
450.71
9
1,500.00
2,000.00
2798
50571
4.05
73.17
6,269.06
31,180.73
0.35
1.75
14
165
5.13
60.44
2,212.56
12,632.72
0.87
4.98
35.29
486.00
10
2,000.00
2,500.00
1846
52417
2.67
75.84
5,361.46
36,542.19
0.30
2.05
8
173
2.93
63.37
1,273.00
13,905.72
0.50
5.48
23.74
509.75
11
2,500.00
3,000.00
1565
53982
2.26
78.11
5,350.92
41,893.11
0.30
2.35
5
178
1.83
65.20
2,309.77
16,215.49
0.91
6.39
43.17
552.91
12
3,000.00
4,000.00
2136
56118
3.09
81.20
9,269.21
51,162.32
0.52
2.87
14
192
5.13
70.33
2,660.37
18,875.86
1.05
7.44
28.70
581.61
13
4,000.00
5,000.00
1654
57772
2.39
83.59
9,797.56
60,959.88
0.55
3.41
11
203
4.03
74.36
6,775.15
25,651.01
2.67
10.11
69.15
650.76
14
5,000.00
7,500.00
2233
60005
3.23
86.82
18,172.45
79,132.33
1.02
4.43
11
214
4.03
78.39
6,691.67
32,342.68
2.64
12.74
36.82
687.59
15
7,500.00
10,000.00
1802
61807
2.61
89.43
18,534.80
97,667.13
1.04
5.47
6
220
2.20
80.59
1,284.49
33,627.17
0.51
13.25
6.93
694.52
16
10,000.00
20,000.00
2906
64713
4.20
93.63
54,583.81
152,250.94
3.06
8.53
12
232
4.40
84.98
19,991.06
53,618.23
7.88
21.13
36.62
731.14
17
20,000.00
50,000.00
2537
67250
3.67
97.30
109,599.48
261,850.42
6.14
14.67
22
254
8.06
93.04
54,563.63
108,181.86
21.50
42.62
49.78
780.93
18
50,000.00
100,000.00
1152
68402
1.67
98.97
107,194.13
369,044.55
6.00
20.67
4
258
1.47
94.51
12,453.48
120,635.34
4.91
47.53
11.62
792.54
19
100,000.00
500,000.00
572
68974
0.83
99.80
149,231.69
518,276.24
8.36
29.03
10
268
3.66
98.17
132,047.60
252,682.94
52.03
99.56
88.48
881.03
20
500,000.00
140
69114
0.20
100.00
1,267,051.01
1,785,327.25
70.97
100.00
5
273
1.83
100.00
1,122.40
253,805.34
0.44
100.00
0.09
881.12
UP
Page 3
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2006 : ALL : ALL
DATA POSITION FROM
01/01/2006
TO
30/06/2007
PROCESSING DATE
27/10/2008
Table B.3 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM 1
NUMBER OF RISKS
TO
f
F
0.00
50.00
6124
6124
2
50.00
100.00
5119
3
100.00
200.00
8641
4
200.00
300.00
5
300.00
6
CLAIM FREQUENCY
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM. 7.24
7.24
11243
6.05
13.29
19884
10.21
23.51
7133
27017
8.43
31.94
500.00
9703
36720
11.47
500.00
750.00
7061
43781
7
750.00
1,000.00
5918
8
1,000.00
1,500.00
9
1,500.00
10 11
rp
PERCENTAGE BAND CUM.
RP
F
rp
162.23
0.01
0.01
7
7
3.26
3.26
116.10
416.09
578.33
0.02
0.03
19
26
8.84
12.09
1,370.36
1,948.69
0.07
0.09
18
44
8.37
20.47
1,845.19
3,793.88
0.09
0.18
24
68
11.16
43.41
3,973.08
7,766.95
0.19
0.37
23
91
8.35
51.76
4,319.72
12,086.67
0.21
0.58
19
49699
7.00
58.75
5,117.23
17,203.90
0.24
0.82
5753
55452
6.80
65.55
6,867.51
24,071.42
0.33
2,000.00
3768
59219
4.45
70.01
6,222.49
30,293.90
2,000.00
2,500.00
2474
61693
2.92
72.93
5,160.83
2,500.00
3,000.00
1959
63652
2.32
75.25
4,869.14
12
3,000.00
4,000.00
2710
66361
3.20
78.45
13
4,000.00
5,000.00
1956
68318
2.31
14
5,000.00
7,500.00
2843
71160
3.36
15
7,500.00
10,000.00
1896
73056
16
10,000.00
20,000.00
3514
17
20,000.00
50,000.00
18
50,000.00
100,000.00
19
100,000.00
500,000.00
20
500,000.00
UP
162.23
f
LOSS RATIO
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
RP
PERCENTAGE BAND CUM.
PERCENTAGE BAND CUM.
116.10
0.11
0.11
71.56
71.56
575.97
692.07
0.53
0.64
138.42
209.99
554.72
1,246.79
0.51
1.15
40.48
250.47
31.63
929.80
2,176.59
0.86
2.02
50.39
300.86
10.70
42.33
789.66
2,966.25
0.73
2.75
19.88
320.73
110
8.84
51.16
1,673.29
4,639.54
1.55
4.30
38.74
359.47
15
125
6.98
58.14
2,682.88
7,322.42
2.49
6.78
52.43
411.90
1.15
9
134
4.19
62.33
1,079.34
8,401.76
1.00
7.78
15.72
427.61
0.30
1.45
8
142
3.72
66.05
1,367.81
9,769.57
1.27
9.05
21.98
449.60
35,454.73
0.25
1.70
5
147
2.33
68.37
597.62
10,367.19
0.55
9.60
11.58
461.18
40,323.87
0.23
1.93
6
153
2.79
71.16
239.69
10,606.88
0.22
9.82
4.92
466.10
8,435.57
48,759.44
0.40
2.33
8
161
3.72
74.88
2,480.59
13,087.47
2.30
12.12
29.41
495.50
80.76
7,869.58
56,629.02
0.38
2.71
6
167
2.79
77.67
5,631.60
18,719.07
5.22
17.34
71.56
567.07
84.12
14,571.81
71,200.83
0.70
3.40
5
172
2.33
80.00
518.33
19,237.40
0.48
17.82
3.56
570.62
2.24
86.37
13,536.29
84,737.12
0.65
4.05
5
177
2.33
82.33
401.40
19,638.80
0.37
18.19
2.97
573.59
76571
4.15
90.52
40,002.58
124,739.69
1.91
5.96
9
186
4.19
86.51
6,656.93
26,295.73
6.17
24.36
16.64
590.23
3456
80027
4.09
94.61
84,891.53
209,631.23
4.06
10.02
11
197
5.12
91.63
17,336.18
43,631.91
16.06
40.42
20.42
610.65
1710
81737
2.02
96.63
95,912.05
305,543.28
4.59
14.61
7
204
3.26
94.88
7,730.49
51,362.40
7.16
47.58
8.06
618.71
2086
83823
2.47
99.09
355,403.23
660,946.51
16.99
31.60
8
212
3.72
98.60
14,784.73
66,147.13
13.69
61.27
4.16
622.87
766
84589
0.91
100.00
1,430,493.96
2,091,440.46
68.40
100.00
3
215
1.40
100.00
41,812.50
107,959.63
38.73
100.00
2.92
625.79
Page 4
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2007 : ALL : ALL
DATA POSITION FROM
01/01/2007
TO
30/06/2007
PROCESSING DATE
27/10/2008
Table B.4 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM 1
NUMBER OF RISKS
TO 0.00
f 50.00
F
514
514
5.88
CLAIM FREQUENCY
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM. 5.88
rp
PERCENTAGE BAND CUM.
RP 22.65
22.65
0.01
0.01
f
F 0
0
-
LOSS RATIO
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
rp
PERCENTAGE BAND CUM.
RP
-
-
-
-
PERCENTAGE BAND CUM.
-
0.00
0.00 25.01
2
50.00
100.00
604
1118
6.91
12.79
59.98
82.63
0.03
0.04
1
1
10.00
10.00
15.00
15.00
0.02
0.02
25.01
3
100.00
200.00
978
2096
11.19
23.97
189.48
272.11
0.09
0.13
0
1
-
10.00
-
15.00
-
0.02
0.00
25.01
4
200.00
300.00
736
2832
8.42
32.39
231.91
504.02
0.11
0.24
1
2
10.00
20.00
35.00
50.00
0.05
0.07
15.09
40.10
5
300.00
500.00
1,138
3970
13.02
45.41
590.26
1,094.28
0.29
0.53
0
2
-
20.00
-
50.00
-
0.07
0.00
40.10
6
500.00
750.00
814
4784
9.31
54.72
616.49
1,710.77
0.30
0.83
2
4
20.00
40.00
109.96
159.96
0.16
0.23
17.84
57.94
7
750.00
1,000.00
716
5500
8.19
62.91
785.66
2,496.43
0.38
1.21
0
4
-
40.00
-
159.96
-
0.23
0.00
57.94
8
1,000.00
1,500.00
608
6108
6.95
69.86
938.96
3,435.39
0.45
1.66
0
4
-
40.00
-
159.96
-
0.23
0.00
57.94
9
1,500.00
2,000.00
409
6517
4.68
74.54
881.99
4,317.37
0.43
2.09
1
5
10.00
50.00
115.96
275.92
0.16
0.39
13.15
71.08
10
2,000.00
2,500.00
252
6769
2.88
77.42
695.25
5,012.62
0.34
2.42
0
5
-
50.00
-
275.92
-
0.39
0.00
71.08
11
2,500.00
3,000.00
194
6963
2.22
79.64
637.38
5,650.01
0.31
2.73
0
5
-
50.00
-
275.92
-
0.39
0.00
71.08
12
3,000.00
4,000.00
224
7187
2.56
82.20
928.74
6,578.75
0.45
3.18
0
5
-
50.00
-
275.92
-
0.39
0.00
71.08
13
4,000.00
5,000.00
152
7339
1.74
83.94
809.01
7,387.76
0.39
3.57
0
5
-
50.00
-
275.92
-
0.39
0.00
71.08
14
5,000.00
7,500.00
243
7582
2.78
86.72
1,703.73
9,091.48
0.82
4.40
1
6
10.00
60.00
25.00
300.92
0.04
0.43
1.47
72.55
15
7,500.00
10,000.00
270
7852
3.09
89.81
2,516.86
11,608.34
1.22
5.61
0
6
-
60.00
-
300.92
-
0.43
0.00
72.55
16
10,000.00
20,000.00
263
8115
3.01
92.82
4,369.34
15,977.68
2.11
7.72
0
6
-
60.00
-
300.92
-
0.43
0.00
72.55
17
20,000.00
50,000.00
261
8376
2.99
95.80
9,321.49
25,299.17
4.51
12.23
1
7
10.00
70.00
35.00
335.92
0.05
0.48
0.38
72.93
18
50,000.00
100,000.00
144
8520
1.65
97.45
11,726.57
37,025.74
5.67
17.90
0
7
-
70.00
-
335.92
-
0.48
0.00
72.93
19
100,000.00
500,000.00
137
8657
1.57
99.02
37,882.79
74,908.53
18.31
36.21
1
8
10.00
80.00
253.41
589.33
0.36
0.83
0.67
73.60
20
500,000.00
86
8743
0.98
100.00
131,946.14
206,854.68
63.79
100.00
2
10
20.00
100.00
70,000.00
70,589.33
99.17
100.00
53.05
126.65
UP
Page 5
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2004 : AGRICULTURAL : ALL ZONE
DATA POSITION FROM
01/01/2004
TO
31/12/2006
PROCESSING DATE
27/10/2008
Table C.1 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM 1
NUMBER OF RISKS f
TO
F
0.00
50.00
25
25
6.02
2
50.00
100.00
15
40
3
100.00
200.00
27
67
4
200.00
300.00
11
5
300.00
500.00
6
500.00
7
CLAIM FREQUENCY
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
rp
PERCENTAGE BAND CUM.
RP
f
F
LOSS RATIO
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
rp
PERCENTAGE BAND CUM.
RP
PERCENTAGE BAND CUM.
6.02
1.70
1.70
0.03
0.03
0
0
-
-
-
-
-
-
0.00
0.00
3.61
9.64
1.96
3.66
0.03
0.06
0
0
-
-
-
-
-
-
0.00
0.00
6.51
16.14
4.89
8.55
0.08
0.14
0
0
-
-
-
-
-
-
0.00
0.00
78
2.65
18.80
3.75
12.30
0.06
0.20
0
0
-
-
-
-
-
-
0.00
0.00
26
104
6.27
25.06
11.55
23.85
0.18
0.38
0
0
-
-
-
-
-
-
0.00
0.00
750.00
31
135
7.47
32.53
20.95
44.80
0.33
0.71
0
0
-
-
-
-
-
-
0.00
0.00
750.00
1,000.00
18
153
4.34
36.87
18.23
63.03
0.29
1.00
0
0
-
-
-
-
-
-
0.00
0.00
8
1,000.00
1,500.00
19
172
4.58
41.45
27.86
90.89
0.44
1.45
0
0
-
-
-
-
-
-
0.00
0.00
9
1,500.00
2,000.00
14
186
3.37
44.82
28.10
118.99
0.45
1.90
0
0
-
-
-
-
-
-
0.00
0.00
10
2,000.00
2,500.00
13
199
3.13
47.95
35.72
154.71
0.57
2.47
0
0
-
-
-
-
-
-
0.00
0.00
11
2,500.00
3,000.00
12
211
2.89
50.84
40.82
195.53
0.65
3.12
0
0
-
-
-
-
-
-
0.00
0.00
12
3,000.00
4,000.00
14
225
3.37
54.22
64.80
260.33
1.03
4.15
0
0
-
-
-
-
-
-
0.00
0.00
13
4,000.00
5,000.00
21
246
5.06
59.28
112.56
372.89
1.79
5.94
0
0
-
-
-
-
-
-
0.00
0.00
14
5,000.00
7,500.00
29
275
6.99
66.27
317.72
690.61
5.06
11.00
0
0
-
-
-
-
-
-
0.00
0.00
15
7,500.00
10,000.00
36
311
8.67
74.94
342.03
1,032.64
5.45
16.46
0
0
-
-
-
-
-
-
0.00
0.00
16
10,000.00
20,000.00
37
348
8.92
83.86
884.87
1,917.51
14.10
30.56
0
0
-
-
-
-
-
-
0.00
0.00
17
20,000.00
50,000.00
32
380
7.71
91.57
1,281.68
3,199.19
20.42
50.98
0
0
-
-
-
-
0.00
0.00
18
50,000.00
100,000.00
35
415
8.43
100.00
3,076.33
6,275.52
49.02
100.00
0
0
-
-
-
-
0.00
0.00
19
100,000.00
500,000.00
20
500,000.00
UP
-
-
0
415
-
100.00
-
6,275.52
-
100.00
0
0
-
-
-
-
-
-
0.00
0.00
0
415
-
100.00
-
6,275.52
-
100.00
0
0
-
-
-
-
-
-
0.00
0.00
Page 6
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2004 : COMMERCIAL : ALL ZONE
DATA POSITION FROM
01/01/2004
TO
31/12/2006
PROCESSING DATE
27/10/2008
Table C.2 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM 1
NUMBER OF RISKS
TO
f
F
0.00
50.00
3121
3121
2
50.00
100.00
1699
3
100.00
200.00
2914
4
200.00
300.00
5
300.00
6
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
rp
RP
CLAIM FREQUENCY
PERCENTAGE BAND CUM.
f
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
RP
14.12
14.12
2,181.29
2,181.29
0.30
0.30
0
0
-
-
-
4820
7.69
21.81
210.86
2,392.15
0.03
0.32
1
1
2.00
2.00
7734
13.19
35.00
675.73
3,067.88
0.09
0.42
2
3
4.00
6.00
2202
9936
9.96
44.96
810.09
3,877.97
0.11
0.53
1
4
2.00
500.00
2210
12146
10.00
54.96
1,459.22
5,337.19
0.20
0.72
2
6
500.00
750.00
1503
13649
6.80
61.77
1,464.04
6,801.23
0.20
0.92
3
9
7
750.00
1,000.00
1124
14773
5.09
66.85
1,605.41
8,406.64
0.22
1.14
2
8
1,000.00
1,500.00
1346
16119
6.09
72.94
2,662.90
11,069.54
0.36
1.50
6
9
1,500.00
2,000.00
856
16975
3.87
76.82
2,155.68
13,225.22
0.29
1.80
10
2,000.00
2,500.00
596
17571
2.70
79.51
1,888.34
15,113.56
0.26
2.05
LOSS RATIO
PERCENTAGE BAND CUM.
PERCENTAGE BAND CUM.
-
-
-
0.00
0.00
80.92
80.92
0.52
0.52
38.38
38.38
85.75
166.67
0.55
1.08
12.69
51.07
8.00
117.90
284.57
0.76
1.84
14.55
65.62
4.00
12.00
450.29
734.86
2.91
4.76
30.86
96.48
6.00
18.00
186.78
921.64
1.21
5.97
12.76
109.24
11
4.00
22.00
482.50
1,404.14
3.12
9.09
30.05
139.29
17
12.00
34.00
1,327.08
2,731.22
8.59
17.68
49.84
189.13
2
19
4.00
38.00
1,253.16
3,984.38
8.11
25.79
58.13
247.26
10
29
20.00
58.00
806.25
4,790.63
5.22
31.01
42.70
289.96
11
2,500.00
3,000.00
464
18035
2.10
81.61
1,878.11
16,991.67
0.25
2.31
2
31
4.00
62.00
48.75
4,839.38
0.32
31.32
2.60
292.55
12
3,000.00
4,000.00
626
18661
2.83
84.45
3,359.77
20,351.44
0.46
2.76
4
35
8.00
70.00
455.36
5,294.74
2.95
34.27
13.55
306.10 453.34
13
4,000.00
5,000.00
488
19149
2.21
86.65
3,339.67
23,691.11
0.45
3.22
1
36
2.00
72.00
4,917.14
10,211.88
31.82
66.09
147.23
14
5,000.00
7,500.00
650
19799
2.94
89.60
6,458.38
30,149.49
0.88
4.09
7
43
14.00
86.00
477.50
10,689.38
3.09
69.18
7.39
460.73
15
7,500.00
10,000.00
405
20204
1.83
91.43
5,177.41
35,326.90
0.70
4.80
0
43
-
86.00
-
10,689.38
-
69.18
0.00
460.73
16
10,000.00
20,000.00
777
20981
3.52
94.95
16,459.08
51,785.98
2.23
7.03
1
44
2.00
88.00
450.00
11,139.38
2.91
72.10
2.73
463.47
17
20,000.00
50,000.00
708
21689
3.20
98.15
35,561.56
87,347.54
4.83
11.86
1
45
2.00
90.00
348.12
11,487.50
2.25
74.35
0.98
464.45
18
50,000.00
100,000.00
268
21957
1.21
99.36
33,238.45
120,585.99
4.51
16.37
0
45
-
90.00
-
11,487.50
-
74.35
0.00
464.45
19
100,000.00
500,000.00
133
22090
0.60
99.96
36,712.21
157,298.20
4.98
21.35
5
50
10.00
100.00
15,450.78
25.65
100.00
10.80
475.24
20
500,000.00
8
22098
0.04
100.00
579,394.47
736,692.67
78.65
100.00
0
50
-
100.00
15,450.78
-
100.00
0.00
475.24
UP
3,963.28 -
Page 7
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: : :
2004 INDUSTRIAL ALL ZONE
DATA POSITION FROM
01/01/2004
TO
31/12/2006
PROCESSING DATE
27/10/2008
Table C.3 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM 1
NUMBER OF RISKS
TO 0.00
F
f 50.00
708
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM. 708
7.47
7.47
rp 1,246.21
RP 1,246.21
CLAIM FREQUENCY
PERCENTAGE BAND CUM. 0.17
0.17
f
F 1
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM. 1
5.56
5.56
RP
rp 13.72
LOSS RATIO
PERCENTAGE BAND CUM. 13.72
0.00
0.00
PERCENTAGE BAND CUM. 1.10
1.10
2
50.00
100.00
310
1018
3.27
10.74
36.96
1,283.17
0.00
0.17
0
1
-
5.56
-
13.72
-
0.00
0.00
1.10
3
100.00
200.00
545
1563
5.75
16.49
131.99
1,415.16
0.02
0.19
1
2
5.56
11.11
330.26
343.98
0.06
0.06
250.22
251.32
4
200.00
300.00
380
1943
4.01
20.49
141.07
1,556.23
0.02
0.21
2
4
11.11
22.22
471.62
815.60
0.08
0.14
334.32
585.63
5
300.00
500.00
550
2493
5.80
26.29
318.04
1,874.27
0.04
0.25
3
7
16.67
38.89
552.34
1,367.94
0.09
0.23
173.67
759.30
6
500.00
750.00
416
2909
4.39
30.68
385.61
2,259.88
0.05
0.30
0
7
-
38.89
-
1,367.94
-
0.23
0.00
759.30
7
750.00
1,000.00
357
3266
3.77
34.45
491.68
2,751.56
0.07
0.37
1
8
5.56
44.44
380.34
1,748.28
0.06
0.29
77.36
836.66
8
1,000.00
1,500.00
230
3496
2.43
36.87
967.15
3,718.71
0.13
0.50
0
8
-
44.44
-
1,748.28
-
0.29
0.00
836.66
9
1,500.00
2,000.00
416
3912
4.39
41.26
1,007.26
4,725.97
0.13
0.63
0
8
-
44.44
-
1,748.28
-
0.29
0.00
836.66
10
2,000.00
2,500.00
326
4238
3.44
44.70
1,096.17
5,822.14
0.15
0.78
0
8
-
44.44
-
1,748.28
-
0.29
0.00
836.66
11
2,500.00
3,000.00
329
4567
3.47
48.17
1,226.26
7,048.40
0.16
0.94
1
9
5.56
50.00
800.00
2,548.28
0.13
0.43
65.24
901.90
12
3,000.00
4,000.00
465
5032
4.90
53.07
2,371.72
9,420.12
0.32
1.26
1
10
5.56
55.56
6.38
2,554.66
0.00
0.43
0.27
902.17
13
4,000.00
5,000.00
398
5430
4.20
57.27
2,527.76
11,947.88
0.34
1.60
0
10
-
55.56
-
2,554.66
-
0.43
0.00
902.17
14
5,000.00
7,500.00
593
6023
6.25
63.53
5,135.82
17,083.70
0.69
2.28
0
10
-
55.56
-
2,554.66
-
0.43
0.00
902.17
15
7,500.00
10,000.00
526
6549
5.55
69.07
6,392.28
23,475.98
0.85
3.14
0
10
-
55.56
-
2,554.66
-
0.43
0.00
902.17
16
10,000.00
20,000.00
953
7502
10.05
79.13
19,238.92
42,714.90
2.57
5.71
1
11
5.56
61.11
230.60
2,785.26
0.04
0.46
1.20
903.36
17
20,000.00
50,000.00
992
8494
10.46
89.59
43,981.48
86,696.38
5.88
11.59
1
12
5.56
66.67
2.20
2,787.46
0.00
0.46
0.01
903.37
18
50,000.00
100,000.00
510
9004
5.38
94.97
53,268.12
139,964.50
7.12
18.71
0
12
-
66.67
-
2,787.46
-
0.46
0.00
903.37
19
100,000.00
500,000.00
0.06
903.43
20
500,000.00
UP
313
9317
3.30
98.27
92,902.49
232,866.99
12.42
31.13
1
13
5.56
72.22
55.64
2,843.10
0.01
0.47
164
9481
1.73
100.00
515,148.24
748,015.23
68.87
100.00
5
18
27.78
100.00
596,652.28
599,495.38
99.53
100.00
115.82 1019.25
Page 8
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2004 : RESIDENTIAL : ALL ZONE
DATA POSITION FROM
01/01/2004
TO
31/12/2006
PROCESSING DATE
27/10/2008
Table C.4 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM
NUMBER OF RISKS f
TO
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
CLAIM FREQUENCY
PERCENTAGE BAND CUM.
RP
f
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
LOSS RATIO
PERCENTAGE BAND CUM.
RP
PERCENTAGE BAND CUM.
1
0.00
50.00
438
438
6.20
6.20
22.05
22.05
0.04
0.04
0
0
-
-
-
-
-
-
0.00
0.00
2
50.00
100.00
695
1133
9.85
16.05
74.68
96.73
0.14
0.18
2
2
8.00
8.00
15.10
15.10
0.43
0.43
20.22
20.22
3
100.00
200.00
908
2041
12.86
28.91
192.40
289.13
0.37
0.55
3
5
12.00
20.00
30.90
46.00
0.87
1.30
16.06
36.28
4
200.00
300.00
791
2832
11.21
40.12
279.89
569.02
0.53
1.08
2
7
8.00
28.00
28.43
74.43
0.80
2.11
10.16
46.44
5
300.00
500.00
818
3650
11.59
51.71
556.29
1,125.31
1.06
2.14
6
13
24.00
52.00
758.68
833.11
21.46
23.57
136.38
182.82
6
500.00
750.00
739
4389
10.47
62.18
638.78
1,764.09
1.21
3.35
2
15
8.00
60.00
12.45
845.56
0.35
23.92
1.95
184.77
7
750.00
1,000.00
566
4955
8.02
70.19
733.74
2,497.83
1.40
4.75
3
18
12.00
72.00
478.45
1,324.01
13.54
37.46
65.21
249.98
8
1,000.00
1,500.00
543
5498
7.69
77.89
941.07
3,438.90
1.79
6.54
2
20
8.00
80.00
994.85
2,318.86
28.14
65.60
105.71
355.69
9
1,500.00
2,000.00
281
5779
3.98
81.87
680.18
4,119.08
1.29
7.83
2
22
8.00
88.00
1,180.65
3,499.51
33.40
99.00
173.58
529.27
10
2,000.00
2,500.00
178
5957
2.52
84.39
692.83
4,811.91
1.32
9.15
1
23
4.00
92.00
21.00
3,520.51
0.59
99.60
3.03
532.30
11
2,500.00
3,000.00
126
6083
1.78
86.17
510.30
5,322.21
0.97
10.12
0
23
-
92.00
-
3,520.51
-
99.60
0.00
532.30
12
3,000.00
4,000.00
145
6228
2.05
88.23
848.34
6,170.55
1.61
11.73
0
23
-
92.00
-
3,520.51
-
99.60
0.00
532.30
13
4,000.00
5,000.00
120
6348
1.70
89.93
981.30
7,151.85
1.87
13.60
0
23
-
92.00
-
3,520.51
-
99.60
0.00
532.30
14
5,000.00
7,500.00
134
6482
1.90
91.83
1,247.00
8,398.85
2.37
15.97
0
23
-
92.00
-
3,520.51
-
99.60
0.00
532.30
15
7,500.00
10,000.00
121
6603
1.71
93.54
1,537.21
9,936.06
2.92
18.89
0
23
-
92.00
-
3,520.51
-
99.60
0.00
532.30
16
10,000.00
20,000.00
159
6762
2.25
95.79
3,518.30
13,454.36
6.69
25.58
1
24
4.00
96.00
12.40
3,532.91
0.35
99.95
0.35
532.65
17
20,000.00
50,000.00
167
6929
2.37
98.16
8,061.07
21,515.43
15.33
40.91
0
24
-
96.00
-
3,532.91
-
99.95
0.00
532.65
18
50,000.00
100,000.00
72
7001
1.02
99.18
7,873.16
29,388.59
14.97
55.88
1
25
4.00
100.00
1.90
3,534.81
0.05
100.00
0.02
532.68
19
100,000.00
500,000.00
49
7050
0.69
99.87
14,517.35
43,905.94
27.60
83.48
0
25
-
100.00
-
3,534.81
-
100.00
0.00
532.68
20
500,000.00
9
7059
0.13
100.00
8,687.63
52,593.57
16.52
100.00
0
25
-
100.00
-
3,534.81
-
100.00
0.00
532.68
UP
Page 9
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2005 : AGRICULTURAL : ALL ZONE
DATA POSITION FROM
01/01/2005
TO
31/12/2006
PROCESSING DATE
27/10/2008
Table C.5 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM
NUMBER OF RISKS
TO
f
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
CLAIM FREQUENCY
PERCENTAGE BAND CUM.
RP
f
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
LOSS RATIO
PERCENTAGE BAND CUM.
RP
PERCENTAGE BAND CUM.
1
0.00
50.00
44
44
7.32
7.32
1.13
1.13
0.00
0.00
0
0
-
-
-
-
-
-
0.00
0.00
2
50.00
100.00
18
62
3.00
10.32
1.45
2.58
0.00
0.00
0
0
-
-
-
-
-
-
0.00
0.00
3
100.00
200.00
23
85
3.83
14.14
4.96
7.54
0.01
0.01
0
0
-
-
-
-
-
-
0.00
0.00
4
200.00
300.00
14
99
2.33
16.47
4.47
12.01
0.01
0.02
0
0
-
-
-
-
-
-
0.00
0.00
5
300.00
500.00
31
130
5.16
21.63
15.91
27.92
0.02
0.04
0
0
-
-
-
-
-
-
0.00
0.00
6
500.00
750.00
33
163
5.49
27.12
24.16
52.08
0.03
0.07
0
0
-
-
-
-
-
-
0.00
0.00
7
750.00
1,000.00
23
186
3.83
30.95
26.78
78.86
0.03
0.10
0
0
-
-
-
-
-
-
0.00
0.00
8
1,000.00
1,500.00
28
214
4.66
35.61
46.91
125.77
0.06
0.16
0
0
-
-
-
-
-
-
0.00
0.00
9
1,500.00
2,000.00
31
245
5.16
40.77
65.34
191.11
0.08
0.24
0
0
-
-
-
-
-
-
0.00
0.00
10
2,000.00
2,500.00
15
260
2.50
43.26
41.66
232.77
0.05
0.29
0
0
-
-
-
-
-
-
0.00
0.00
11
2,500.00
3,000.00
10
270
1.66
44.93
32.41
265.18
0.04
0.34
0
0
-
-
-
-
-
-
0.00
0.00
12
3,000.00
4,000.00
24
294
3.99
48.92
101.96
367.14
0.13
0.46
0
0
-
-
-
-
-
-
0.00
0.00
13
4,000.00
5,000.00
31
325
5.16
54.08
150.90
518.04
0.19
0.66
0
0
-
-
-
-
-
-
0.00
0.00
14
5,000.00
7,500.00
55
380
9.15
63.23
364.60
882.64
0.46
1.12
0
0
-
-
-
-
-
-
0.00
0.00
15
7,500.00
10,000.00
25
405
4.16
67.39
187.17
1,069.81
0.24
1.35
0
0
-
-
-
-
-
-
0.00
0.00
16
10,000.00
20,000.00
118
523
19.63
87.02
981.42
2,051.23
1.24
2.59
0
0
-
-
-
-
-
-
0.00
0.00 32.86
17
20,000.00
50,000.00
39
562
6.49
93.51
1,521.59
3,572.82
1.92
4.52
1
1
100.00
100.00
500.00
500.00
100.00
100.00
32.86
18
50,000.00
100,000.00
36
598
5.99
99.50
2,537.93
6,110.75
3.21
7.73
0
1
-
100.00
-
500.00
-
100.00
0.00
32.86
19
100,000.00
500,000.00
2
600
0.33
99.83
253.95
6,364.70
0.32
8.05
0
1
-
100.00
-
500.00
-
100.00
0.00
32.86
20
500,000.00
1
601
0.17
100.00
72,705.51
79,070.21
91.95
100.00
0
1
-
100.00
-
500.00
-
100.00
0.00
32.86
UP
Page 10
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: : :
2005 COMMERCIAL ALL ZONE
DATA POSITION FROM
01/01/2005
TO
31/12/2006
PROCESSING DATE
27/10/2008
Table C.6 SUM INSURED (BAND) (In Million Rp.)
BAND
TO
FROM 1
NUMBER OF RISKS f
F 6163
0.00
50.00
6163
2
50.00
100.00
3528
3
100.00
200.00
4401
4
200.00
300.00
2832
5
300.00
500.00
3889
6
500.00
750.00
7
750.00
8
CLAIM FREQUENCY
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
rp
16.38
16.38
417.05
9691
9.38
25.76
14092
11.70
37.45
16924
7.53
20813
10.34
2721
23534
1,000.00
2344
1,000.00
1,500.00
9
1,500.00
10 11
RP
PERCENTAGE BAND CUM.
f
F
417.05
0.17
0.17
7
7
2.97
2.97
392.17
809.22
0.16
0.33
19
26
8.05
11.02
943.89
1,753.11
0.39
0.72
12
38
5.08
16.10
44.98
989.87
2,742.98
0.41
1.13
33
71
13.98
30.08
55.31
2,089.07
4,832.05
0.86
2.00
18
89
7.63
37.71
7.23
62.55
2,218.75
7,050.80
0.92
2.91
16
105
6.78
25878
6.23
68.78
2,928.04
9,978.84
1.21
4.12
4
109
2315
28193
6.15
74.93
4,182.91
14,161.75
1.73
5.85
19
2,000.00
1528
29721
4.06
78.99
3,517.21
17,678.96
1.45
7.30
2,000.00
2,500.00
1018
30739
2.71
81.69
2,971.14
20,650.10
1.23
2,500.00
3,000.00
851
31590
2.26
83.96
2,821.99
23,472.09
1.17
12
3,000.00
4,000.00
1035
32625
2.75
86.71
4,883.64
28,355.73
13
4,000.00
5,000.00
755
33380
2.01
88.71
4,668.59
14
5,000.00
7,500.00
955
34335
2.54
91.25
15
7,500.00
10,000.00
668
35003
1.78
93.03
16
10,000.00
20,000.00
1151
36154
3.06
17
20,000.00
50,000.00
920
37074
18
50,000.00
100,000.00
373
19
100,000.00
500,000.00
162
20
500,000.00
18
UP
LOSS RATIO
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
rp
RP
116.87
PERCENTAGE BAND CUM.
PERCENTAGE BAND CUM.
116.87
0.05
0.05
329.68
446.55
0.13
0.18
84.07
112.09
1,089.07
1,535.62
0.44
0.62
115.38
227.47
3,279.24
4,814.86
1.31
1.93
331.28
558.75
2,255.83
7,070.69
0.90
2.83
107.98
666.73
44.49
269.35
7,340.04
0.11
2.94
12.14
678.87
1.69
46.19
118.77
7,458.81
0.05
2.99
4.06
682.93
128
8.05
54.24
1,465.72
8,924.53
0.59
3.58
35.04
717.97
13
141
5.51
59.75
1,472.56
10,397.09
0.59
4.17
41.87
759.84
8.53
7
148
2.97
62.71
1,210.15
11,607.24
0.49
4.65
40.73
800.57
9.70
5
153
2.12
64.83
2,309.77
13,917.01
0.93
5.58
81.85
882.42
2.02
11.71
12
165
5.08
69.92
2,539.80
16,456.81
1.02
6.60
52.01
934.42
33,024.32
1.93
13.64
10
175
4.24
74.15
6,725.54
23,182.35
2.70
9.29
144.06 1078.48
8,171.30
41,195.62
3.38
17.02
11
186
4.66
78.81
6,691.67
29,874.02
2.68
11.98
81.89 1160.37
7,682.02
48,877.64
3.17
20.19
6
192
2.54
81.36
1,284.49
31,158.51
0.51
12.49
16.72 1177.09
96.09
23,356.20
72,233.84
9.65
29.84
11
203
4.66
86.02
19,896.06
51,054.57
7.98
20.47
85.19 1262.28
2.45
98.53
41,501.82
113,735.66
17.15
46.99
20
223
8.47
94.49
53,897.23
104,951.80
21.61
42.08
129.87 1392.15
37447
0.99
99.52
38,524.06
152,259.72
15.92
62.90
4
227
1.69
96.19
12,453.48
117,405.28
4.99
47.07
32.33 1424.47
37609
0.43
99.95
46,261.13
198,520.85
19.11
82.01
9
236
3.81
100.00
132,033.52
249,438.80
52.93
100.00
285.41 1709.88
37627
0.05
100.00
43,540.04
242,060.89
17.99
100.00
0
236
-
100.00
249,438.80
-
100.00
0.00 1709.88
-
28.02
28.02
Page 11
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2005 : INDUSTRIAL : ALL ZONE
DATA POSITION FROM
01/01/2005
TO
31/12/2006
PROCESSING DATE
27/10/2008
Table C.7 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM
GROSS PREMIUM (In Million Rp.)
NUMBER OF RISKS TO
f
F
PERCENTAGE BAND CUM.
rp
RP
CLAIM FREQUENCY
PERCENTAGE BAND CUM.
f
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
LOSS RATIO
PERCENTAGE BAND CUM.
RP
PERCENTAGE BAND CUM.
1
0.00
50.00
1647
1647
10.88
10.88
428.31
428.31
0.03
0.03
0
0
-
-
-
-
-
-
0.00
0.00
2
50.00
100.00
689
2336
4.55
15.43
60.83
489.14
0.00
0.04
0
0
-
-
-
-
-
-
0.00
0.00
3
100.00
200.00
809
3145
5.35
20.78
242.05
731.19
0.02
0.05
0
0
-
-
-
-
-
-
0.00
0.00
4
200.00
300.00
546
3691
3.61
24.39
164.31
895.50
0.01
0.06
0
0
-
-
-
-
-
-
0.00
0.00
5
300.00
500.00
742
4433
4.90
29.29
379.33
1,274.83
0.03
0.09
1
1
7.69
7.69
241.58
241.58
7.93
7.93
63.69
63.69
6
500.00
750.00
753
5186
4.98
34.26
602.67
1,877.50
0.04
0.13
0
1
-
7.69
-
241.58
-
7.93
0.00
63.69
7
750.00
1,000.00
599
5785
3.96
38.22
683.35
2,560.85
0.05
0.18
0
1
-
7.69
-
241.58
-
7.93
0.00
63.69
8
1,000.00
1,500.00
854
6639
5.64
43.87
1,366.28
3,927.13
0.10
0.28
1
2
7.69
15.38
590.00
831.58
19.38
27.31
43.18
106.87
9
1,500.00
2,000.00
681
7320
4.50
48.36
1,397.40
5,324.53
0.10
0.38
1
3
7.69
23.08
740.00
1,571.58
24.31
51.62
52.96
159.82
10
2,000.00
2,500.00
489
7809
3.23
51.60
1,384.53
6,709.06
0.10
0.48
0
3
-
23.08
-
1,571.58
-
51.62
0.00
159.82
11
2,500.00
3,000.00
431
8240
2.85
54.44
1,504.66
8,213.72
0.11
0.59
0
3
-
23.08
-
1,571.58
-
51.62
0.00
159.82
12
3,000.00
4,000.00
661
8901
4.37
58.81
2,824.31
11,038.03
0.20
0.79
2
5
15.38
38.46
120.57
1,692.15
3.96
55.58
4.27
164.09
13
4,000.00
5,000.00
574
9475
3.79
62.60
3,275.58
14,313.61
0.23
1.03
1
6
7.69
46.15
49.61
1,741.76
1.63
57.21
1.51
165.61
14
5,000.00
7,500.00
878
10353
5.80
68.40
6,904.40
21,218.01
0.50
1.52
0
6
-
46.15
-
1,741.76
-
57.21
0.00
165.61
15
7,500.00
10,000.00
931
11284
6.15
74.56
8,616.50
29,834.51
0.62
2.14
0
6
-
46.15
-
1,741.76
-
57.21
0.00
165.61
16
10,000.00
20,000.00
1371
12655
9.06
83.61
25,292.48
55,126.99
1.81
3.95
0
6
-
46.15
-
1,741.76
-
57.21
0.00
165.61
17
20,000.00
50,000.00
1356
14011
8.96
92.57
57,241.67
112,368.66
4.11
8.06
1
7
7.69
53.85
166.40
1,908.16
5.47
62.67
0.29
165.90
18
50,000.00
100,000.00
666
14677
4.40
96.97
58,051.22
170,419.88
4.16
12.22
0
7
-
53.85
-
1,908.16
-
62.67
0.00
165.90
19
100,000.00
500,000.00
345
15022
2.28
99.25
85,356.25
255,776.13
6.12
18.34
1
8
7.69
61.54
14.08
1,922.24
0.46
63.14
0.02
165.92
20
500,000.00
113
15135
0.75
100.00
1,138,599.36
1,394,375.49
81.66
100.00
5
13
38.46
100.00
1,122.40
3,044.64
36.86
100.00
0.10
166.01
UP
Page 12
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2005 : RESIDENTIAL : ALL ZONE
DATA POSITION FROM
01/01/2005
TO
31/12/2006
PROCESSING DATE
27/10/2008
Table C.8 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM
GROSS PREMIUM (In Million Rp.)
NUMBER OF RISKS
TO
f
F
PERCENTAGE BAND CUM.
rp
RP
INCURRED CLAIM (In Million Rp.)
CLAIM FREQUENCY
PERCENTAGE BAND CUM.
f
PERCENTAGE BAND CUM.
F
rp
LOSS RATIO
PERCENTAGE BAND CUM.
RP
PERCENTAGE BAND CUM.
1
0.00
50.00
1115
1115
7.08
7.08
192.53
192.53
0.28
0.28
0
0
-
-
-
-
-
-
0.00
0.00
2
50.00
100.00
1278
2393
8.11
15.19
134.04
326.57
0.19
0.47
4
4
17.39
17.39
43.05
43.05
5.24
5.24
32.12
32.12
3
100.00
200.00
2493
4886
15.83
31.02
502.91
829.48
0.72
1.19
3
7
13.04
30.43
84.69
127.74
10.30
15.54
16.84
48.96
4
200.00
300.00
1911
6797
12.13
43.15
614.50
1,443.98
0.88
2.07
3
10
13.04
43.48
123.30
251.04
15.00
30.54
20.07
69.02
5
300.00
500.00
2414
9211
15.33
58.48
1,245.72
2,689.70
1.78
3.85
3
13
13.04
56.52
166.88
417.92
20.30
50.85
13.40
82.42
6
500.00
750.00
1530
10741
9.71
68.19
1,239.43
3,929.13
1.78
5.63
4
17
17.39
73.91
149.11
567.03
18.14
68.99
12.03
94.45
7
750.00
1,000.00
1061
11802
6.74
74.93
1,234.72
5,163.85
1.77
7.40
4
21
17.39
91.30
97.02
664.05
11.80
80.79
7.86
102.31
8
1,000.00
1,500.00
925
12727
5.87
80.80
1,533.17
6,697.02
2.20
9.59
0
21
-
91.30
-
664.05
-
80.79
0.00
102.31
9
1,500.00
2,000.00
558
13285
3.54
84.34
1,289.11
7,986.13
1.85
11.44
0
21
-
91.30
-
664.05
-
80.79
0.00
102.31
10
2,000.00
2,500.00
324
13609
2.06
86.40
964.13
8,950.26
1.38
12.82
1
22
4.35
95.65
62.85
726.90
7.65
88.44
6.52
108.83
11
2,500.00
3,000.00
273
13882
1.73
88.13
991.86
9,942.12
1.42
14.24
0
22
-
95.65
-
726.90
-
88.44
0.00
108.83
12
3,000.00
4,000.00
416
14298
2.64
90.78
1,459.30
11,401.42
2.09
16.33
0
22
-
95.65
-
726.90
-
88.44
0.00
108.83
13
4,000.00
5,000.00
294
14592
1.87
92.64
1,702.49
13,103.91
2.44
18.77
0
22
-
95.65
-
726.90
-
88.44
0.00
108.83
14
5,000.00
7,500.00
345
14937
2.19
94.83
2,732.15
15,836.06
3.91
22.68
0
22
-
95.65
-
726.90
-
88.44
0.00
108.83
15
7,500.00
10,000.00
178
15115
1.13
95.96
2,049.11
17,885.17
2.93
25.62
0
22
-
95.65
-
726.90
-
88.44
0.00
108.83
16
10,000.00
20,000.00
266
15381
1.69
97.65
4,953.71
22,838.88
7.09
32.71
1
23
4.35
100.00
95.00
821.90
11.56
100.00
1.92
110.74
17
20,000.00
50,000.00
222
15603
1.41
99.06
9,334.40
32,173.28
13.37
46.08
0
23
-
100.00
-
821.90
-
100.00
0.00
110.74
18
50,000.00
100,000.00
77
15680
0.49
99.55
8,080.92
40,254.20
11.57
57.65
0
23
-
100.00
-
821.90
-
100.00
0.00
110.74
19
100,000.00
500,000.00
63
15743
0.40
99.95
17,360.36
57,614.56
24.86
82.52
0
23
-
100.00
-
821.90
-
100.00
0.00
110.74
20
500,000.00
8
15751
0.05
100.00
12,206.10
69,820.66
17.48
100.00
0
23
-
100.00
-
821.90
-
100.00
0.00
110.74
UP
Page 13
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2006 : AGRICULTURAL : ALL ZONE
DATA POSITION FROM
01/01/2006
TO
30/06/2007
PROCESSING DATE
27/10/2008
Table C.9 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM
1
NUMBER OF RISKS
TO
0.00
f
50.00
F
9
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM. 9
1.39
1.39
rp
RP
0.25
CLAIM FREQUENCY
PERCENTAGE BAND CUM. 0.25
0.00
0.00
f
F
0
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM. 0
-
-
rp
RP
-
LOSS RATIO
PERCENTAGE BAND CUM. -
-
-
PERCENTAGE BAND CUM. 0.00
0.00
2
50.00
100.00
7
16
1.08
2.47
0.47
0.72
0.00
0.00
0
0
-
-
-
-
-
-
0.00
0.00
3
100.00
200.00
12
28
1.85
4.32
1.61
2.34
0.01
0.01
0
0
-
-
-
-
-
-
0.00
0.00
4
200.00
300.00
10
38
1.54
5.86
2.02
4.36
0.01
0.02
0
0
-
-
-
-
-
-
0.00
0.00
5
300.00
500.00
30
68
4.63
10.49
10.26
14.62
0.05
0.08
0
0
-
-
-
-
-
-
0.00
0.00
6
500.00
750.00
29
97
4.47
14.96
15.71
30.32
0.08
0.16
0
0
-
-
-
-
-
-
0.00
0.00
7
750.00
1,000.00
26
123
4.01
18.97
18.66
48.98
0.10
0.26
0
0
-
-
-
-
-
-
0.00
0.00
8
1,000.00
1,500.00
29
152
4.45
23.42
30.31
79.29
0.16
0.42
0
0
-
-
-
-
-
-
0.00
0.00
9
1,500.00
2,000.00
22
174
3.34
26.76
29.90
109.19
0.16
0.58
0
0
-
-
-
-
-
-
0.00
0.00
10
2,000.00
2,500.00
9
182
1.34
28.10
16.31
125.49
0.09
0.67
0
0
-
-
-
-
-
-
0.00
0.00
11
2,500.00
3,000.00
10
192
1.56
29.66
21.89
147.38
0.12
0.78
0
0
-
-
-
-
-
-
0.00
0.00
12
3,000.00
4,000.00
42
234
6.46
36.11
81.70
229.08
0.43
1.21
0
0
-
-
-
-
-
-
0.00
0.00
13
4,000.00
5,000.00
22
256
3.34
39.45
66.70
295.78
0.35
1.57
0
0
-
-
-
-
-
-
0.00
0.00
14
5,000.00
7,500.00
68
324
10.46
49.91
308.07
603.85
1.63
3.20
0
0
-
-
-
-
-
-
0.00
0.00
15
7,500.00
10,000.00
32
355
4.90
54.81
205.62
809.47
1.09
4.29
0
0
-
-
-
-
-
-
0.00
0.00
16
10,000.00
20,000.00
78
433
12.02
66.83
785.20
1,594.67
4.16
8.46
0
0
-
-
-
-
-
-
0.00
0.00
17
20,000.00
50,000.00
102
536
15.80
82.64
2,588.88
4,183.55
13.73
22.19
0
0
-
-
-
-
-
-
0.00
0.00
18
50,000.00
100,000.00
49
585
7.57
90.21
2,419.70
6,603.25
12.83
35.02
0
0
-
-
-
-
-
-
0.00
0.00
19
100,000.00
500,000.00
58
643
8.90
99.11
5,620.11
12,223.36
29.81
64.82
0
0
-
-
-
-
-
-
0.00
0.00
20
500,000.00
6
648
0.89
100.00
6,632.74
18,856.10
35.18
100.00
0
0
-
-
-
-
-
-
0.00
0.00
UP
Page 14
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2006 : COMMERCIAL : ALL ZONE
DATA POSITION FROM
01/01/2006
TO
30/06/2007
PROCESSING DATE
27/10/2008
Table C.10 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM
NUMBER OF RISKS
TO
f
F
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
rp
CLAIM FREQUENCY
PERCENTAGE BAND CUM.
RP
f
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
RP
LOSS RATIO
PERCENTAGE BAND CUM.
PERCENTAGE BAND CUM.
1
0.00
50.00
3,856
3855.71
8.81
8.81
96.83
96.83
0.02
0.02
7
7
4.17
4.17
116.10
116.10
0.12
0.12
119.90
119.90
2
50.00
100.00
2,849
6704.89
6.51
15.31
223.09
319.91
0.05
0.07
14
21
8.33
12.50
402.49
518.59
0.40
0.51
180.42
300.32
3
100.00
200.00
4,133
10837.7
9.44
24.75
637.38
957.29
0.15
0.22
13
34
7.74
20.24
506.20
1,024.79
0.50
1.02
79.42
379.74
4
200.00
300.00
3,438
14275.3
7.85
32.61
859.76
1,817.05
0.20
0.42
17
51
10.12
30.36
737.79
1,762.58
0.73
1.75
85.81
465.56
5
300.00
500.00
4,924
19198.9
11.25
43.85
1,966.17
3,783.23
0.45
0.87
17
68
10.12
40.48
617.23
2,379.81
0.61
2.36
31.39
496.95
6
500.00
750.00
3,984
23183.3
9.10
52.95
2,373.79
6,157.02
0.54
1.41
18
86
10.71
51.19
1,673.29
4,053.10
1.66
4.02
70.49
567.44
7
750.00
1,000.00
3,389
26571.9
7.74
60.69
2,881.13
9,038.15
0.66
2.07
11
97
6.55
57.74
1,910.27
5,963.37
1.89
5.92
66.30
633.74
8
1,000.00
1,500.00
3,413
29985
7.80
68.49
4,062.33
13,100.47
0.93
3.00
6
103
3.57
61.31
257.40
6,220.77
0.26
6.17
6.34
640.08
9
1,500.00
2,000.00
2,245
32229.8
5.13
73.62
3,732.80
16,833.27
0.86
3.86
7
110
4.17
65.48
1,357.81
7,578.58
1.35
7.52
36.38
676.45
10
2,000.00
2,500.00
1,466
33696.1
3.35
76.97
3,108.81
19,942.08
0.71
4.57
4
114
2.38
67.86
548.55
8,127.13
0.54
8.06
17.65
694.10
11
2,500.00
3,000.00
1,110
34805.6
2.53
79.50
2,835.24
22,777.32
0.65
5.22
4
118
2.38
70.24
52.69
8,179.82
0.05
8.11
1.86
695.96
12
3,000.00
4,000.00
1,589
36394.5
3.63
83.13
5,155.89
27,933.21
1.18
6.40
7
125
4.17
74.40
2,480.59
10,660.41
2.46
10.57
48.11
744.07
13
4,000.00
5,000.00
1,101
37495.4
2.51
85.64
4,655.36
32,588.56
1.07
7.47
5
130
2.98
77.38
5,404.62
16,065.03
5.36
15.94
116.09
860.16
14
5,000.00
7,500.00
1,514
39009.5
3.46
89.10
8,255.84
40,844.41
1.89
9.36
3
133
1.79
79.17
109.94
16,174.97
0.11
16.04
1.33
861.49
15
7,500.00
10,000.00
921
39930.2
2.10
91.20
7,166.92
48,011.32
1.64
11.00
4
137
2.38
81.55
359.54
16,534.51
0.36
16.40
5.02
866.51
16
10,000.00
20,000.00
1,510
41440.6
3.45
94.65
19,072.65
67,083.97
4.37
15.37
9
146
5.36
86.90
6,656.93
23,191.44
6.60
23.00
34.90
901.41
17
20,000.00
50,000.00
1,165
42605.3
2.66
97.31
32,705.64
99,789.61
7.49
22.87
8
154
4.76
91.67
16,490.02
39,681.46
16.36
39.36
50.42
951.83
18
50,000.00
100,000.00
462
43067.5
1.06
98.37
29,628.94
129,418.56
6.79
29.65
5
159
2.98
94.64
4,677.49
44,358.95
4.64
44.00
15.79
967.62
19
100,000.00
500,000.00
573
43640
1.31
99.68
136,982.32
266,400.88
31.39
61.04
7
166
4.17
98.81
14,766.14
59,125.09
14.65
58.65
10.78
978.40
20
500,000.00
141
43781
0.32
100.00
170,025.89
436,426.77
38.96
100.00
2
168
1.19
100.00
41,690.00
100,815.09
41.35
100.00
UP
24.52 1002.92
Page 15
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2006 : INDUSTRIAL : ALL ZONE
DATA POSITION FROM
01/01/2006
TO
30/06/2007
PROCESSING DATE
27/10/2008
Table C.11
BAND
SUM INSURED (BAND) (In Million Rp.) FROM
NUMBER OF RISKS
TO
f
F
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
rp
CLAIM FREQUENCY PERCENTAGE BAND CUM.
RP
f
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
LOSS RATIO
PERCENTAGE BAND CUM.
RP
PERCENTAGE BAND CUM.
1
0.00
50.00
249
248.923
1.65
1.65
4.25
4.25
0.00
0.00
0
0
-
-
-
-
-
-
0.00
0.00
2
50.00
100.00
323
572.219
2.14
3.79
19.45
23.70
0.00
0.00
0
0
-
-
-
-
-
-
0.00
0.00 18.09
3
100.00
200.00
489
1060.96
3.23
7.02
55.29
78.99
0.00
0.01
1
1
6.67
10.00
10.00
4
200.00
300.00
413
1473.81
2.73
9.75
77.93
156.92
0.01
0.01
0
1
-
6.67
-
10.00
5
300.00
500.00
665
2138.61
4.40
14.15
202.80
359.71
0.01
0.02
2
3
13.33
20.00
25.00
35.00
6
500.00
750.00
534
2672.89
3.53
17.68
257.88
617.59
0.02
0.04
0
3
-
20.00
-
35.00
7
750.00
1,000.00
619
3292.16
4.10
21.78
398.99
1,016.58
0.03
0.07
0
3
8
1,000.00
1,500.00
771
4063.21
5.10
26.88
718.82
1,735.40
0.05
0.11
1
4
6.67
6.67
20.00
-
35.00
26.67
87.76
122.76
0.20 0.51 1.79
0.20
18.09
0.20
0.00
18.09
0.72
12.33
30.42
0.72
0.00
30.42
0.72
0.00
30.42
2.51
12.21
42.62 42.62
9
1,500.00
2,000.00
674
4737.13
4.46
31.34
874.27
2,609.67
0.06
0.17
0
4
-
26.67
-
122.76
-
2.51
0.00
10
2,000.00
2,500.00
472
5209.17
3.12
34.46
753.79
3,363.46
0.05
0.22
0
4
-
26.67
-
122.76
-
2.51
0.00
42.62
11
2,500.00
3,000.00
474
5682.73
3.13
37.59
922.23
4,285.69
0.06
0.28
1
5
33.33
187.00
309.76
6.33
20.28
62.90
12
3,000.00
4,000.00
631
6314.14
4.18
41.77
1,535.33
5,821.01
0.10
0.38
0
5
-
33.33
-
309.76
6.33
0.00
62.90
13
4,000.00
5,000.00
545
6859.04
3.60
45.38
1,750.94
7,571.96
0.11
0.49
2
7
13.33
46.67
226.98
536.74
4.64
10.97
12.96
75.86
14
5,000.00
7,500.00
944
7803.13
6.25
51.62
3,975.96
11,547.92
0.26
0.75
2
9
13.33
60.00
408.39
945.13
8.35
19.32
10.27
86.14
15
7,500.00
10,000.00
742
8545.34
4.91
56.53
4,369.07
15,916.99
0.28
1.03
1
10
6.67
66.67
41.86
986.99
0.86
16
10,000.00
20,000.00
1,632
10177
10.79
67.33
15,863.99
31,780.98
1.03
2.06
0
10
-
66.67
-
986.99
17
20,000.00
50,000.00
1,932
12109.2
12.78
80.11
41,546.61
73,327.59
2.69
4.75
2
12
13.33
80.00
761.16
18
50,000.00
100,000.00
1,091
13200.5
7.22
87.33
55,640.53
128,968.12
3.60
8.35
1
13
6.67
86.67
19
100,000.00
500,000.00
1,321
14521
8.74
96.06
184,395.21
313,363.33
11.94
20.29
1
14
6.67
20
500,000.00
595
15116
3.94
100.00
1,230,962.94
1,544,326.28
79.71
100.00
1
15
6.67
UP
6.67
3.82 -
20.17
0.96
87.09
-
20.17
0.00
87.09
1,748.15
15.56
35.73
1.83
88.93
3,003.00
4,751.15
61.38
97.12
5.40
94.32
93.33
18.59
4,769.74
0.38
97.50
0.01
94.33
100.00
122.50
4,892.24
2.50
100.00
0.01
94.34
Page 16
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2006 : RESIDENTIAL : ALL ZONE
DATA POSITION FROM
01/01/2006
TO
30/06/2007
PROCESSING DATE
27/10/2008
Table C.12 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM
NUMBER OF RISKS
TO
f
F
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
rp
CLAIM FREQUENCY
PERCENTAGE BAND CUM.
RP
F
f
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
1
0.00
50.00
2,011
2010.72
8.03
8.03
60.91
60.91
0.07
0.07
0
0
-
-
2
50.00
100.00
1,940
3950.34
7.74
15.77
173.09
233.99
0.19
0.25
5
5
15.63
15.63
3
100.00
200.00
4,007
7957.34
16.00
31.77
676.08
910.08
0.74
0.99
4
9
12.50
4
200.00
300.00
3,273
11230
13.07
44.84
905.47
1,815.54
0.99
1.98
7
16
21.88
5
300.00
500.00
4,085
15314.8
16.31
61.15
1,793.85
3,609.40
1.95
3.93
4
20
6
500.00
750.00
2,513
17827.6
10.03
71.19
1,672.34
5,281.73
1.82
5.75
0
7
750.00
1,000.00
1,884
19711.7
7.52
78.71
1,818.46
7,100.19
1.98
7.73
8
1,000.00
1,500.00
1,540
21251.4
6.15
84.86
2,056.06
9,156.26
2.24
9
1,500.00
2,000.00
828
22079
3.30
88.16
1,585.52
10,741.78
10
2,000.00
2,500.00
527
22605.6
2.10
90.26
1,281.92
11
2,500.00
3,000.00
365
22971.1
1.46
91.72
12
3,000.00
4,000.00
448
23418.8
1.79
13
4,000.00
5,000.00
289
23707.6
14
5,000.00
7,500.00
317
15
7,500.00
10,000.00
16
10,000.00
17
rp
RP
-
-
173.48
173.48
7.70
7.70
28.13
38.52
212.00
1.71
50.00
192.01
404.01
8.53
12.50
62.50
147.43
551.44
6.55
20
-
62.50
551.44
5
25
15.63
78.13
772.61
9.97
2
27
6.25
84.38
1.73
11.70
1
28
3.13
12,023.70
1.40
13.09
2
30
1,089.78
13,113.48
1.19
14.28
0
93.51
1,662.66
14,776.14
1.81
16.09
1.15
94.66
1,396.58
16,172.72
1.52
24024.2
1.26
95.93
2,031.93
18,204.65
201
24225.3
0.80
96.73
1,794.68
20,000.00
294
24519.7
1.18
97.91
20,000.00
50,000.00
257
24776.3
1.02
18
50,000.00
100,000.00
108
24884
19
100,000.00
500,000.00
136
20
500,000.00
24
UP
-
LOSS RATIO
PERCENTAGE BAND CUM.
0.00
0.00
100.23
100.23
9.41
5.70
105.93
17.94
21.21
127.13
24.48
8.22
135.35
-
24.48
0.00
135.35
1,324.05
34.30
58.79
42.49
177.84
734.18
2,058.23
32.60
91.38
35.71
213.54
87.50
10.00
2,068.23
0.44
91.83
0.63
214.18
6.25
93.75
49.07
2,117.30
2.18
94.01
3.83
218.00
30
-
93.75
-
2,117.30
-
94.01
0.00
218.00
0
30
-
93.75
-
2,117.30
-
94.01
0.00
218.00
17.61
0
30
-
93.75
-
2,117.30
-
94.01
0.00
218.00
2.21
19.82
0
30
-
93.75
-
2,117.30
-
94.01
0.00
218.00
19,999.33
1.95
21.78
0
30
-
93.75
-
2,117.30
-
94.01
0.00
218.00
4,280.74
24,280.07
4.66
26.44
0
30
-
93.75
-
2,117.30
-
94.01
0.00
218.00
98.93
8,050.41
32,330.48
8.77
35.21
1
31
3.13
96.88
85.00
2,202.30
3.77
97.78
1.06
219.06
0.43
99.36
8,222.87
40,553.35
8.95
44.16
1
32
3.13
100.00
50.00
2,252.30
2.22
100.00
0.61
219.67
25019.6
0.54
99.90
28,405.58
68,958.93
30.93
75.09
0
32
-
100.00
-
2,252.30
-
100.00
0.00
219.67
25044
0.10
100.00
22,872.39
91,831.32
24.91
100.00
0
32
-
100.00
-
2,252.30
-
100.00
0.00
219.67
-
-
PERCENTAGE BAND CUM.
Page 17
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2007 : AGRICULTURAL : ALL ZONE
DATA POSITION FROM
01/01/2007
TO
30/06/2007
PROCESSING DATE
27/10/2008
Table C.13 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM
NUMBER OF RISKS
TO
f
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
CLAIM FREQUENCY
PERCENTAGE BAND CUM.
RP
f
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
LOSS RATIO
PERCENTAGE BAND CUM.
RP
PERCENTAGE BAND CUM.
1
0.00
50.00
0
0
-
-
-
-
-
-
0
0
-
-
-
-
-
-
0.00
0.00
2
50.00
100.00
0
0
-
-
-
-
-
-
0
0
-
-
-
-
-
-
0.00
0.00
3
100.00
200.00
2
2
7.69
7.69
0.34
0.34
0.08
0.08
0
0
-
-
-
-
-
-
0.00
0.00
4
200.00
300.00
2
4
7.69
15.38
0.69
1.02
0.17
0.26
0
0
-
-
-
-
-
-
0.00
0.00
5
300.00
500.00
1
5
3.85
19.23
0.44
1.46
0.11
0.37
0
0
-
-
-
-
-
-
0.00
0.00
6
500.00
750.00
0
5
-
19.23
-
1.46
-
0.37
0
0
-
-
-
-
-
-
0.00
0.00
7
750.00
1,000.00
3
8
11.54
30.77
3.25
4.71
0.81
1.18
0
0
-
-
-
-
-
-
0.00
0.00
8
1,000.00
1,500.00
3
11
11.54
42.31
4.74
9.45
1.19
2.37
0
0
-
-
-
-
-
-
0.00
0.00
9
1,500.00
2,000.00
2
13
7.69
50.00
4.04
13.50
1.01
3.38
0
0
-
-
-
-
-
-
0.00
0.00
10
2,000.00
2,500.00
0
13
-
50.00
-
13.50
-
3.38
0
0
-
-
-
-
-
-
0.00
0.00
11
2,500.00
3,000.00
0
13
-
50.00
-
13.50
-
3.38
0
0
-
-
-
-
-
-
0.00
0.00
12
3,000.00
4,000.00
4
17
15.38
65.38
16.26
29.76
4.07
7.46
0
0
-
-
-
-
-
-
0.00
0.00
13
4,000.00
5,000.00
0
17
-
65.38
-
29.76
-
7.46
0
0
-
-
-
-
-
-
0.00
0.00
14
5,000.00
7,500.00
0
17
-
65.38
-
29.76
-
7.46
0
0
-
-
-
-
-
-
0.00
0.00
15
7,500.00
10,000.00
0
17
-
65.38
-
29.76
-
7.46
0
0
-
-
-
-
-
-
0.00
0.00
16
10,000.00
20,000.00
2
19
7.69
73.08
27.74
57.50
6.95
14.40
0
0
-
-
-
-
-
-
0.00
0.00
17
20,000.00
50,000.00
4
23
15.38
88.46
159.93
217.43
40.06
54.47
0
0
-
-
-
-
-
-
0.00
0.00
18
50,000.00
100,000.00
3
26
11.54
100.00
181.76
399.19
45.53
100.00
0
0
-
-
-
-
-
-
0.00
0.00
19
100,000.00
500,000.00
0
26
-
100.00
-
399.19
-
100.00
0
0
-
-
-
-
-
-
0.00
0.00
20
500,000.00
0
26
-
100.00
-
399.19
-
100.00
0
0
-
-
-
-
-
-
0.00
0.00
UP
Page 18
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: : :
2007 COMMERCIAL ALL ZONE
DATA POSITION FROM
01/01/2007
TO
30/06/2007
PROCESSING DATE
27/10/2008
Table C.14 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM
NUMBER OF RISKS
TO
f
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
INCURRED CLAIM (In Million Rp.)
CLAIM FREQUENCY PERCENTAGE
RP
BAND
f
CUM.
PERCENTAGE BAND CUM.
F
rp
LOSS RATIO
PERCENTAGE BAND CUM.
RP
PERCENTAGE BAND CUM.
1
0.00
50.00
252
252
6.01
6.01
11.38
11.38
0.02
0.02
0
0
-
-
-
-
-
-
0.00
0.00
2
50.00
100.00
204
456
4.87
10.88
22.97
34.35
0.05
0.07
0
0
-
-
-
-
-
-
0.00
0.00
3
100.00
200.00
429
885
10.23
21.11
84.24
118.58
0.17
0.24
0
0
-
-
-
-
-
-
0.00
0.00
4
200.00
300.00
331
1216
7.90
29.01
104.49
223.08
0.21
0.46
0
0
-
-
-
-
-
-
0.00
0.00
5
300.00
500.00
543
1759
12.95
41.96
287.15
510.23
0.59
1.05
0
0
-
-
-
-
-
-
0.00
0.00
6
500.00
750.00
454
2213
10.83
52.79
336.70
846.93
0.69
1.74
2
2
33.33
33.33
109.96
109.96
0.16
0.16
32.66
32.66
7
750.00
1,000.00
451
2664
10.76
63.55
489.79
1,336.72
1.00
2.74
0
2
-
33.33
-
109.96
-
0.16
0.00
32.66
8
1,000.00
1,500.00
366
3030
8.73
72.28
558.06
1,894.78
1.14
3.88
0
2
-
33.33
-
109.96
-
0.16
0.00
32.66
9
1,500.00
2,000.00
231
3261
5.51
77.79
482.46
2,377.24
0.99
4.87
1
3
16.67
50.00
115.96
225.92
0.17
0.32
24.04
56.69
10
2,000.00
2,500.00
137
3398
3.27
81.06
377.66
2,754.90
0.77
5.65
0
3
-
50.00
-
225.92
-
0.32
0.00
56.69
11
2,500.00
3,000.00
98
3496
2.34
83.40
324.76
3,079.66
0.67
6.31
0
3
-
50.00
-
225.92
-
0.32
0.00
56.69
12
3,000.00
4,000.00
120
3616
2.86
86.26
494.27
3,573.94
1.01
7.33
0
3
-
50.00
-
225.92
-
0.32
0.00
56.69
13
4,000.00
5,000.00
85
3701
2.03
88.29
460.45
4,034.39
0.94
8.27
0
3
-
50.00
-
225.92
-
0.32
0.00
56.69
14
5,000.00
7,500.00
113
3814
2.70
90.98
780.21
4,814.60
1.60
9.87
0
3
-
50.00
-
225.92
-
0.32
0.00
56.69
15
7,500.00
10,000.00
62
3876
1.48
92.46
587.55
5,402.15
1.20
11.07
0
3
-
50.00
-
225.92
-
0.32
0.00
56.69
16
10,000.00
20,000.00
113
3989
2.70
95.16
1,908.70
7,310.85
3.91
14.99
0
3
-
50.00
-
225.92
-
0.32
0.00
56.69
17
20,000.00
50,000.00
88
4077
2.10
97.26
3,163.23
10,474.08
6.48
21.47
1
4
16.67
66.67
35.00
260.92
0.05
0.37
1.11
57.80
18
50,000.00
100,000.00
50
4127
1.19
98.45
3,988.92
14,463.00
8.18
29.65
0
4
-
66.67
-
260.92
-
0.37
0.00
57.80
19
100,000.00
500,000.00
44
4171
1.05
99.50
13,127.71
27,590.71
26.91
56.56
0
4
-
66.67
-
260.92
-
0.37
0.00
57.80
20
500,000.00
21
4192
0.50
100.00
21,188.66
48,779.37
43.44
100.00
2
6
33.33
100.00
100.00
330.37
388.16
UP
70,000.00
70,260.92
99.63
Page 19
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2007 : INDUSTRIAL : ALL ZONE
DATA POSITION FROM
01/01/2007
TO
30/06/2007
PROCESSING DATE
27/10/2008
Table C.15
BAND
SUM INSURED (BAND) (In Million Rp.) FROM
NUMBER OF RISKS
TO
f
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
CLAIM FREQUENCY
PERCENTAGE BAND CUM.
RP
f
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
LOSS RATIO
PERCENTAGE BAND CUM.
RP
PERCENTAGE BAND CUM.
1
0.00
50.00
189
189
11.71
11.71
8.21
8.21
0.01
0.01
0
0
-
-
-
-
-
-
0.00
0.00
2
50.00
100.00
212
401
13.14
24.85
17.60
25.81
0.01
0.02
0
0
-
-
-
-
-
-
0.00
0.00
3
100.00
200.00
78
479
4.83
29.68
13.72
39.53
0.01
0.03
0
0
-
-
-
-
-
-
4
200.00
300.00
35
514
2.17
31.85
10.27
49.80
0.01
0.04
1
1
33.33
33.33
35.00
35.00
11.17
11.17
0.00
0.00
340.86
340.86
5
300.00
500.00
55
569
3.41
35.25
27.57
77.37
0.02
0.05
0
1
-
33.33
-
35.00
-
11.17
0.00
340.86
6
500.00
750.00
57
626
3.53
38.79
45.65
123.02
0.03
0.09
0
1
-
33.33
-
35.00
-
11.17
0.00
340.86
7
750.00
1,000.00
45
671
2.79
41.57
51.56
174.57
0.04
0.12
0
1
-
33.33
-
35.00
-
11.17
0.00
340.86
8
1,000.00
1,500.00
53
724
3.28
44.86
79.11
253.68
0.06
0.18
0
1
-
33.33
-
35.00
-
11.17
0.00
340.86
9
1,500.00
2,000.00
64
788
3.97
48.82
143.13
396.82
0.10
0.28
0
1
-
33.33
-
35.00
-
11.17
0.00
340.86
10
2,000.00
2,500.00
45
833
2.79
51.61
122.31
519.13
0.09
0.37
0
1
-
33.33
-
35.00
-
11.17
0.00
340.86
11
2,500.00
3,000.00
50
883
3.10
54.71
157.74
676.87
0.11
0.48
0
1
-
33.33
-
35.00
-
11.17
0.00
340.86
12
3,000.00
4,000.00
45
928
2.79
57.50
183.90
860.77
0.13
0.61
0
1
-
33.33
-
35.00
-
11.17
0.00
340.86
13
4,000.00
5,000.00
42
970
2.60
60.10
218.06
1,078.83
0.15
0.76
0
1
-
33.33
-
35.00
-
11.17
0.00
340.86
14
5,000.00
7,500.00
94
1064
5.82
65.92
671.21
1,750.04
0.47
1.23
1
2
33.33
66.67
25.00
60.00
7.98
19.14
3.72
344.58
15
7,500.00
10,000.00
65
1129
4.03
69.95
650.36
2,400.40
0.46
1.69
0
2
-
66.67
-
60.00
-
19.14
0.00
344.58
16
10,000.00
20,000.00
122
1251
7.56
77.51
2,008.36
4,408.76
1.42
3.11
0
2
-
66.67
-
60.00
-
19.14
0.00
344.58
17
20,000.00
50,000.00
145
1396
8.98
86.49
5,187.05
9,595.82
3.66
6.77
0
2
-
66.67
-
60.00
-
19.14
0.00
344.58
18
50,000.00
100,000.00
78
1474
4.83
91.33
6,163.57
15,759.39
4.35
11.11
0
2
-
66.67
-
60.00
-
19.14
0.00
344.58
19
100,000.00
500,000.00
81
1555
5.02
96.34
20,862.24
36,621.63
14.71
25.83
1
3
33.33
100.00
253.41
313.41
80.86
100.00
1.21
345.80
20
500,000.00
59
1614
3.66
100.00
105,171.22
141,792.85
74.17
100.00
0
3
-
100.00
-
313.41
-
100.00
0.00
345.80
UP
Page 20
RISK & LOSS PROFILE
UNDERWRITING YEAR OCCUPATION ZONE
: 2007 : RESIDENTIAL : ALL ZONE
DATA POSITION FROM
01/01/2007
TO
30/06/2007
PROCESSING DATE
27/10/2008
Table C.16 SUM INSURED (BAND) (In Million Rp.)
BAND
FROM
NUMBER OF RISKS
TO
f
GROSS PREMIUM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
CLAIM FREQUENCY
PERCENTAGE BAND CUM.
RP
f
INCURRED CLAIM (In Million Rp.)
PERCENTAGE BAND CUM.
F
rp
LOSS RATIO
PERCENTAGE BAND CUM.
RP
PERCENTAGE BAND CUM.
1
0.00
50.00
73
73
2.51
2.51
3.06
3.06
0.02
0.02
0
0
-
-
-
-
-
-
0.00
0.00
2
50.00
100.00
188
261
6.46
8.97
19.41
22.47
0.12
0.14
1
1
#####
100.00
15.00
15.00
100.00
100.00
77.29
77.29
3
100.00
200.00
469
730
16.11
25.08
91.19
113.66
0.57
0.72
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
4
200.00
300.00
368
1098
12.64
37.72
116.46
230.12
0.73
1.45
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
5
300.00
500.00
539
1637
18.52
56.23
275.10
505.22
1.73
3.18
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
6
500.00
750.00
303
1940
10.41
66.64
234.14
739.36
1.47
4.65
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
7
750.00
1,000.00
217
2157
7.45
74.10
241.07
980.43
1.52
6.17
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
8
1,000.00
1,500.00
186
2343
6.39
80.49
297.04
1,277.47
1.87
8.04
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
9
1,500.00
2,000.00
112
2455
3.85
84.34
252.35
1,529.82
1.59
9.63
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
10
2,000.00
2,500.00
70
2525
2.40
86.74
195.28
1,725.09
1.23
10.86
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
11
2,500.00
3,000.00
46
2571
1.58
88.32
154.89
1,879.98
0.98
11.84
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
12
3,000.00
4,000.00
55
2626
1.89
90.21
234.30
2,114.28
1.48
13.31
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
13
4,000.00
5,000.00
25
2651
0.86
91.07
130.50
2,244.78
0.82
14.13
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
14
5,000.00
7,500.00
36
2687
1.24
92.31
252.31
2,497.09
1.59
15.72
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
15
7,500.00
10,000.00
143
2830
4.91
97.22
1,278.94
3,776.03
8.05
23.77
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
16
10,000.00
20,000.00
26
2856
0.89
98.11
424.54
4,200.57
2.67
26.45
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
17
20,000.00
50,000.00
24
2880
0.82
98.94
811.27
5,011.84
5.11
31.55
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
18
50,000.00
100,000.00
13
2893
0.45
99.38
1,392.32
6,404.16
8.77
40.32
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
19
100,000.00
500,000.00
12
2905
0.41
99.79
3,892.85
10,297.00
24.51
64.83
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
20
500,000.00
6
2911
0.21
100.00
5,586.26
15,883.26
35.17
100.00
0
1
-
100.00
-
15.00
-
100.00
0.00
77.29
UP
Page 21
Aggregate Exposures Table D.1
In Billions IDR
450,000.00 400,000.00 350,000.00 300,000.00
U/Y 2004 U/Y 2005 U/Y 2006 U/Y 2007
250,000.00 200,000.00 150,000.00 100,000.00 50,000.00 0.00 1.1 1.2 1.3 2.1 2.2 2.3 3.1 3.2 3.3 4.1 4.2 4.3 5.1 5.2 6.0 7.1 7.2 8.0
Cresta Zone Remarks : 100% figures
Page 22
AGGREGATE EXPOSURES
Table D.2
In IDR CRESTA ZONE
U/Y 2004 Amount
in %
U/Y 2005 Amount
in %
U/Y 2006 Amount
in %
U/Y 2007 Amount
Banda Aceh
1.1
5,789,823,687,708.94
3,550,703,481,685.54
2,776,308,834,389.00
53,861,515,313.33
Medan
1.2
61,590,265,071,705.70
93,178,803,572,800.40
47,961,883,544,486.50
10,666,132,172,322.80
Others
1.3
26,019,453,536,370.20
39,892,830,374,167.80
14,718,862,050,344.00
4,166,677,214,122.67
1
93,399,542,295,784.80
Padang
2.1
17,561,675,212,004.70
31,502,669,429,768.50
4,156,706,787,982.00
369,989,567,382.86
Palembang
2.2
19,739,642,146,977.40
22,056,881,258,967.70
11,189,157,273,453.40
1,728,410,318,549.19
Others
2.3
153,861,937,056,655.00
2
191,163,254,415,637.00
DKI Jakarta
3.1
223,832,336,414,711.00
Bandung
3.2
Others
3.3
North Sumatera
South Sumatera
DKI & West Java
7%
136,622,337,428,654.00
9%
193,405,677,103,983.00 15%
246,965,227,792,720.00
65,457,054,429,219.40
4%
147,650,239,633,547.00 17%
162,996,103,694,982.00
14,886,670,901,758.80
20,527,692,366,821.10
336,585,422,313,033.00
28,407,068,488,702.10
31,430,560,664,253.90
319,544,485,332,952.00
4,649,704,685,510.17
227,924,431,034,248.00
251,391,293,844,014.00
446,350,119,857,591.00
70,101,649,289,696.80
34%
3
480,163,835,937,661.00
4.1
51,525,429,977,588.20
47,578,211,451,110.80
28,261,837,390,646.40
11,171,447,163,222.60
Yogyakarta
4.2
12,532,228,833,942.80
16,932,099,953,111.50
4,888,767,458,515.87
547,216,426,953.67
Others
4.3
40,018,145,684,208.10
4
104,075,804,495,739.00
57,387,042,573,439.90 8%
121,897,353,977,662.00
1,102,480,027,503,580.00
60%
47,740,204,949,881.00 8%
80,890,809,799,043.20
107,363,714,819,855.00
19,250,143,099,089.10
5.1
78,012,071,089,277.80
87,846,475,804,505.20
37,526,867,676,031.60
7,222,870,501,991.11
Others
5.2
135,485,692,398,547.00
130,874,630,964,201.00
165,443,750,354,532.00
31,707,084,973,148.20
5
213,497,763,487,825.00
17%
218,721,106,768,706.00
15%
5%
85,122,510,416,937.20
6%
Kalimantan
6
59,500,760,427,415.80
Ujung Pandang
7.1
15,960,670,412,422.50
Others
21,452,844,101,546.80
7.2
28,131,547,854,453.60
7
44,092,218,266,876.10
3%
41,417,790,856,885.40 62,870,634,958,432.20
4%
Other Island
8
100,420,981,635,661.00
8%
109,601,168,040,587.00
7%
1,286,314,160,962,600.00 100%
104,554,246,428,319.00
38,929,955,475,139.30
18%
6%
5,990,030,119,652.08
3%
1,081,863,807,086.86
45,780,328,596,487.50
1,487,772,714,918,870.00 100%
56,894,721,697,236.90 46,234,174,006,066.50 1,822,477,755,589,010.00
9%
11%
11,114,393,100,749.40
Sulawesi
T OTAL
202,970,618,030,564.00
49%
7,531,479,508,912.82 4%
Surabaya
East Java
9%
32,612,360,844,648.00
Semarang
DIY & Central Java
505,972,375,535,168.00
7%
18,429,292,480,889.10 9%
223,150,521,026,900.00
37%
in %
1,724,114,142,411.80 3%
2,805,977,949,498.67
1%
3%
7,499,576,677,887.17
3%
100%
217,253,761,409,701.00
100%
Page 23
Table E.1
Gross Premium Income
In Millions IDR
450,000.00 400,000.00 350,000.00 300,000.00
U/Y 2004 U/Y 2005 U/Y 2006 U/Y 2007
250,000.00 200,000.00 150,000.00 100,000.00 50,000.00 0.00 1.1 1.2 1.3 2.1 2.2 2.3 3.1 3.2 3.3 4.1 4.2 4.3 5.1 5.2 6.0 7.1 7.2 8.0
Cresta Zone Remarks : 100% figures
Page 24
GROSS PREMIUM INCOME
Table E.2
In IDR U/Y 2004 Amount
CRESTA ZONE
in %
U/Y 2005 Amount
in %
U/Y 2006 Amount
in %
U/Y 2007 Amount
Banda Aceh
1.1
6,097,602,563.95
3,324,230,477.23
1,785,087,648.73
61,075,798.93
Medan
1.2
76,984,272,897.90
60,757,975,039.11
46,033,237,506.29
9,321,312,595.35
Others
1.3
29,036,399,231.57
95,563,743,355.07
16,164,348,324.78
4,863,509,028.51
1
112,118,274,693.42
Padang
2.1
21,411,371,612.12
36,378,880,792.21
4,614,921,818.73
475,979,422.25
Palembang
2.2
20,101,442,661.88
21,729,490,412.13
8,927,853,324.02
1,629,630,343.30
Others
2.3
174,232,925,983.95
216,251,485,131.81
167,005,191,754.12
18,620,728,474.77
2
215,745,740,257.95
DKI Jakarta
3.1
290,879,082,017.74
311,807,453,637.39
362,984,035,733.30
35,599,612,412.47
Bandung
3.2
33,913,363,810.91
36,425,650,957.18
316,244,723,531.57
5,008,775,781.11
Others
3.3
272,172,089,276.52
280,530,851,998.55
430,158,826,566.53
60,148,410,523.85
3
596,964,535,105.17
Semarang
4.1
61,080,243,169.83
54,057,328,838.42
278,052,347,995.91
7,384,577,961.84
Yogyakarta
4.2
14,672,732,125.61
20,888,353,084.39
5,331,225,993.67
622,012,045.56
Others
4.3
45,698,035,905.94
65,197,875,182.90
40,564,527,577.32
8,579,299,647.46
4
121,451,011,201.37
Surabaya
5.1
93,553,952,622.49
111,637,366,217.34
38,773,812,672.37
8,205,329,232.67
Others
5.2
149,409,197,289.13
157,440,761,989.45
152,974,086,604.66
29,359,063,513.13
East Java
5
242,963,149,911.62
16%
269,078,128,206.79
15%
Kalimantan
6
71,790,182,308.19
5%
98,277,254,443.24
6%
Ujung Pandang
7.1
18,801,885,374.00
26,245,769,949.39
11,581,194,488.96
1,078,704,938.59
Others
7.2
34,172,537,061.13
48,926,365,454.87
45,363,074,305.95
2,074,880,328.33
Sulawesi
7
52,974,422,435.13
3%
75,172,135,404.26
4%
Other Island
8
129,569,677,242.27
8%
139,886,420,941.98
8%
North Sumatera
South Sumatera
DKI & West Java
DIY & Central Java
T OTAL
1,543,576,993,155.12
7%
14%
39%
8%
100%
159,645,948,871.41
274,359,856,336.15
628,763,956,593.11
140,143,557,105.71
1,785,327,257,902.64
9%
15%
35%
8%
100%
63,982,673,479.80
180,547,966,896.87
1,109,387,585,831.40
323,948,101,566.90
3%
9%
53%
15%
14,245,897,422.79
20,726,338,240.32
100,756,798,717.43
16,585,889,654.86
in %
7%
10%
49%
8%
191,747,899,277.02
9%
37,564,392,745.80
18%
94,885,772,492.99
5%
6,178,665,101.11
3%
56,944,268,794.91 69,996,192,073.16 2,091,440,460,413.06
3%
3,153,585,266.92
2%
3%
7,643,109,851.14
4%
100%
206,854,677,000.37
100%
Page 25
Gross Premium By Cresta Zone In Percentage
Table F 8%
8%
7%
9%
4%
3% 5%
6%
14%
15%
16%
15%
8%
8%
35%
39%
North Sumatera East Java
South Sumatera Kalimantan
DKI & West Java Sulawesi
3%
3%
3%
South Sumatera
DKI & West Java
Central Java
East Java
Kalimantan
Sulawesi
Other Islands
Other Islands
2005
2004 5%
North Sumatera Central Java
9%
9%
15%
53%
North Sumatera
South Sumatera
DKI & West Java
Central Java
East Java
Kalimantan
Sulawesi
Other Islands
2006
2007
Page 26
Exposures By Cresta Zone In Percentage
Table G 7%
8%
7%
3%
9%
4%
5%
15%
6% 17%
17%
15%
8%
8% 37%
North Sumatera
South Sumatera
East Java
Kalimantan
DKI & West Java Sulawesi
34%
Central Java Other Islands
2004 6%
3%
3%
North Sumatera
South Sumatera
DKI & West Java
Central Java
East Java
Kalimantan
Sulawesi
Other Islands
2005
4% 9%
11%
4%
60% North Sumatera
South Sumatera
DKI & West Java
Central Java
East Java
Kalimantan
Sulawesi
Other Islands
2006
2007 Page 27
Gross Premium Income by Occupation Table H.1
In Millions IDR
2,000,000,000 1,800,000,000 1,600,000,000 1,400,000,000
U/Y 2004 U/Y 2005 U/Y 2006 U/Y 2007
1,200,000,000 1,000,000,000 800,000,000 600,000,000 400,000,000 200,000,000 0 Agricultural
Remarks : 100% figures
Commercial
Industrial
Residential
Page 28
Aggregate Exposures by Occupation Table I.1
In Billions IDR
1,800,000 1,600,000 1,400,000 1,200,000
U/Y 2004 U/Y 2005 U/Y 2006 U/Y 2007
1,000,000 800,000 600,000 400,000 200,000 0 Agricultural
Remarks : 100% figures
Commercial
Industrial
Residential
Page 30
AGGREGATE EXPOSURES BY OCCUPATION
Table I.2
Description
U/Y 2004
In %
U/Y 2005
In %
U/Y 2006
In %
U/Y 2007
In IDR In %
Agricultural
20,932,262,361,218.60
2%
17,909,277,187,576.60
1%
19,216,422,296,573.00
1%
404,999,854,152.00
0%
Commercial
429,681,275,143,603.00
33%
662,124,818,568,638.00
45%
387,901,479,017,556.00
21%
46,496,766,621,512.80
21%
Industrial
708,687,474,326,936.00
55%
676,077,246,390,680.00
45%
1,336,281,043,867,430.00
73%
157,880,416,385,209.00
73%
Residential
127,013,149,130,842.00
10%
131,661,372,771,971.00
9%
79,078,810,407,449.70
4%
12,471,578,548,827.80
6%
1,286,314,160,962,600.00
100%
1,487,772,714,918,870.00
100%
217,253,761,409,701.00
100%
TOTAL
100%
1,822,477,755,589,010.00
Page 31
Table J.1
Aggregate Exposures by Interest Including Business Interruption
In Billions IDR
1,000,000 900,000 800,000 700,000
U/Y 2004 U/Y 2005 U/Y 2006 U/Y 2007
600,000 500,000 400,000 300,000 200,000 100,000 0 Building
Remarks : 100% figures
Machinery
Stock
Others
BI
Page 32
AGGREGATE EXPOSURES BY INTEREST
Table J.2
In IDR Description
U/Y 2004
U/Y 2005
U/Y 2006
U/Y 2007
Building
448,838,267,240,330.00
563,959,113,657,207.00
706,014,601,912,711.00
99,185,706,353,199.90
Machinery
317,738,029,575,296.00
304,385,723,365,788.00
371,100,135,533,079.00
37,755,030,133,559.60
Stock
207,132,881,070,337.00
251,290,888,222,530.00
326,944,196,731,212.00
35,112,787,371,113.60
Others
201,665,739,204,465.00
195,373,087,210,462.00
323,591,484,952,319.00
24,127,223,557,186.60
1,175,374,917,090,430.00
1,315,008,812,455,990.00
1,727,650,419,129,320.00
196,180,747,415,060.00
110,939,243,872,171.00
172,763,902,462,879.00
94,827,336,459,686.00
21,073,013,994,643.30
1,286,314,160,962,600.00
1,487,772,714,918,870.00
1,822,477,755,589,010.00
217,253,761,409,703.00
SUB TOTAL Business Interruption TOTAL
Page 33
Number of Risks Table K.1
25,000
20,000
UY 2004 UY 2005 UY 2006 UY 2007
15,000
10,000
5,000
0 1.1 1.2 1.3 2.1 2.2 2.3 3.1 3.2 3.3 4.1 4.2 4.3 5.1 5.2
6
7.1 7.2
8
Page 34
NUMBER OF RISKS
Table K.2
CRESTA ZONE
U/Y 2004
U/Y 2005
U/Y 2006
U/Y 2007
Banda Aceh
1.1
81
179
321
26
Medan
1.2
1,141
4,187
3,458
418
Others
1.3
438
1,348
1,551
177
1,660
5,714
5,330
621
North Sumatera
1
Padang
2.1
403
2,753
2,068
299
Palembang
2.2
419
902
1,050
112
Others
2.3
2,399
4,843
6,014
422
2
3,221
8,498
9,132
833
DKI Jakarta
3.1
13,583
18,944
25,080
2,267
Bandung
3.2
1,693
2,772
3,802
352
Others
3.3
8,066
12,403
16,108
1,350
3
23,342
34,119
44,990
3,969
South Sumatera
DKI & West Java Semarang
4.1
886
1,478
1,896
259
Yogyakarta
4.2
377
695
1,461
296
Others
4.3
1,125
2,433
3,466
604
4
2,388
4,606
6,823
1,159
Surabaya
5.1
2,049
3,050
3,582
336
Others
5.2
2,373
3,752
4,294
509
East Java
5
4,422
6,802
7,876
845
Kalimantan
6
1,277
2,299
2,386
181
DIY & Central Java
Ujung Pandang
7.1
501
872
1,030
96
Others
7.2
812
2,035
1,795
232
Sulawesi
7
1,313
2,907
2,825
328
Other Island
8
1,430
4,169
5,227
807
39,053
69,114
84,589
8,743
T OTAL
Page 35
Number of Risks by occupation Table L.1
45,000 40,000 35,000 30,000
UY 2004 UY 2005 UY 2006 UY 2007
25,000 20,000 15,000 10,000 5,000 0 Agricultural
Commercial
Industrial
Residential
Page 36
NUMBER OF RISK BY OCCUPATION
Table L.2
Description
U/Y 2004
In %
U/Y 2005
In %
U/Y 2006
In %
U/Y 2007
In IDR In %
Agricultural
415.00
1%
601.00
1%
648.00
1%
26.00
0%
Commercial
22,098.00
57%
37,627.00
54%
43,781.00
52%
4,192.00
48%
Industrial
9,481.00
24%
15,135.00
22%
15,116.00
18%
1,614.00
18%
Residential
7,059.00
18%
15,751.00
23%
25,044.00
30%
2,911.00
33%
39,053.00
100%
69,114.00
100%
84,589.00
100%
8,743.00
100%
TOTAL
Page 37
Claim Frequency by Occupation Underwriting Year
Table M.1
2007
2006
2005
2004
250
200
150
100
50
0 Residential
Industrial
Com m ercial
Agricultural
Page 38
Claim Frequency by Occupation Table M.2
Occupation Description
2004
Underwriting Year 2005 2006
2007
Agricultural
0
1
0
0
Commercial
50
236
168
6
Industrial
18
13
15
3
Residential
25
23
32
1
93
273
215
10
TOTAL
Page 39
Claim Frequency by Cresta Zone Underwriting Year
Table N.1
2004
2005
2006
2007
200 175 150 125 100 75 50 25 0 1. 1 1. 2 1. 3 2. 1 2. 2 2. 3 3. 1 3. 2 3. 3 4. 1 4. 2 4. 3 5. 1 5. 2
6
7
7. 1 7. 2
8
Page 40
Claim Frequency by Cresta Zone Table N.2
CRESTA ZONE
U/Y 2004
U/Y 2005
U/Y 2006
U/Y 2007
Banda Aceh
1.1
14
1
0
0
Medan
1.2
10
2
0
0
Others
1.3
11
1
0
0
1
35
4
0
0
Padang
2.1
26
33
45
7
Palembang
2.2
0
0
0
0
Others
2.3
1
0
22
0
2
27
33
67
7
DKI Jakarta
3.1
0
1
2
0
Bandung
3.2
0
0
0
0
Others
3.3
2
7
4
0
3
2
8
6
0
Semarang
4.1
0
0
0
0
Yogyakarta
4.2
0
199
113
0
Others
4.3
0
25
7
0
4
0
224
120
0
Surabaya
5.1
0
0
0
0
Others
5.2
1
0
0
0
East Java
5
1
0
0
0
Kalimantan
6
0
0
0
0
Ujung Pandang
7.1
0
0
0
0
Others
7.2
0
0
4
2
Sulawesi
7
0
0
4
2
Other Island
8
28
4
18
1
93
273
215
10
North Sumatera
South Sumatera
DKI & West Java
DIY & Central Java
T OTAL
Page 41
Incurred Claims by Occupation Table O.1
Underwriting Year 2004
Underwriting Year 2005
99%
97%
1%
1% 0% 2%
0%
Agricultural
Commercial
Industrial
Residential
Agricultural
Underwriting Year 2006
Industrial
Residential
Underwriting Year 2007
100%
93%
0%
0% 2%
Agricultural
Commercial
Commercial
Industrial
0% 0%
5%
Residential
Agricultural
Commercial
Industrial
Residential
Page 42
Claims by Occupation Table O.2
in IDR Occupation Description
Underwriting Year 2004 Amount
in %
2005 Amount
Agricultural
0.00
0%
500,000,000.00
Commercial
15,450,718,087.50
2%
249,438,896,892.21
599,495,425,606.97
97%
Industrial Residential TOTAL
3,534,850,406.00 618,480,994,100.47
1% 100%
in % 0% 99%
2006 Amount
in % 0.00
100,815,190,954.93
0% 93%
2007 Amount
in % 0.00
70,260,921,548.00
0% 100%
3,044,706,445.00
1%
4,892,268,139.92
5%
313,410,600.00
0%
821,947,615.33
0%
2,252,351,295.73
2%
15,000,000.00
0%
253,805,550,952.54
100%
107,959,810,390.58
100%
70,589,332,148.00
100%
Page 43
Incurred Claims by Cresta Zone
Table P.1
Underwriting Year 2005
Underwriting Year 2004
Cent ral Java 98%
No r t h Sumat er a 99%
W est Java 2%
Ot her Island s 1%
North Sumatera
South Sumatera
West Java
Central Java
North Sumatera
South Sumatera
West Java
Central Java
East Java
Kalimantan
Sulaw esi
Other Islands
East Java
Kalimantan
Sulaw esi
Other Islands
Underwriting Year 2006
Underwriting Year 2007
Sulawesi 1%
Cent ral Java 46%
West Java 24%
So ut h Sumat era 64%
Ot her Island s 3 5%
Ot her Island s 17%
So ut h Sumat era 13 %
North Sumatera
South Sumatera
West Java
Central Java
North Sumatera
South Sumatera
West Java
Central Java
East Java
Kalimantan
Sulaw esi
Other Islands
East Java
Kalimantan
Sulaw esi
Other Islands
Page 44
Claims by Cresta Zone Table P.2
in IDR U/Y 2004 Amount
CRESTA ZONE
in %
U/Y 2005 Amount
in %
U/Y 2006 Amount
in %
U/Y 2007 Amount
in %
Banda Aceh
1.1
598,791,350,534.70
54,759,400.00
0
0
Medan
1.2
672,433,701.00
109,080,000.00
0
0
Others
1.3
11,063,798,085.00
1
610,527,582,320.70
North Sumatera
500,000,000.00 99%
663,839,400.00
0 0%
0
0 0%
0
Padang
2.1
871,769,131.60
921,623,394.95
8,003,284,745
45,219,960,487
Palembang
2.2
0
0
0
0
Others
2.3
12,402,600.00
0
6,385,774,512
0
2
884,171,731.60
South Sumatera DKI Jakarta
3.1
Bandung
3.2
0
Others
3.3
780,267,740.00
3
780,267,740.00
DKI & West Java
0%
0
921,623,394.95
0%
1,000,000,000.00
14,389,059,257
0%
4,600,579,155.00
45,219,960,487
135,000,000.00
0
0
0
0 3,600,579,155.00
13%
25,420,837,885.00 2%
25,555,837,885.00
24%
0.00
4.1
0
0
Yogyakarta
4.2
0
243,137,093,242.58
48,753,792,916.23
0
Others
4.3
0
3,443,202,757.34
428,310,000.00
0
0%
246,580,295,999.92
0
98%
0%
0
4
0
Surabaya
5.1
0
0
0
0
Others
5.2
800,000,000.00
0
0
0
East Java
5
800,000,000.00
0%
0
0%
0
0%
0
0%
Kalimantan
6
0
0%
0
0%
0
0%
0
0%
Ujung Pandang
7.1
0
Others
0
49,182,102,916.23
64%
0
Semarang
DIY & Central Java
0%
46%
0
0%
0
7.2
0
Sulawesi
7
0
0%
0
0%
390,548,623
0%
369,371,661
1%
Other Island
8
5,488,972,308.17
1%
1,039,213,002.67
0%
18,442,261,709.00
17%
25,000,000,000.00
35%
T OTAL
618,480,994,100.47
0
0.00
100%
253,805,550,952.54
390,548,623
100%
107,959,810,390.58
369,371,661
100%
70,589,332,148.00
100%
Page 45
MAJOR EARTHQUAKES IN INDONESIA YEAR 2004 - 2007
Table Q
No.
Claim Event
Date of Loss
SR *)
MMI *)
1
NABIRE
26-Nov-04
6.4
VIII
2
ACEH
26-Dec-04
9
VIII
3
CILEGON
15-Jan-05
5.5
III
4
AMBON
2-Mar-05
6.6
V
5
NIAS
28-Mar-05
8.7
VIII
6
PADANG
10-Apr-05
6.7
V
7
BANDUNG
15-Apr-05
5
II
8
SIBOLGA
19-May-05
6.8
IV
9
ACEH
5-Oct-05
5.5
V
10
TANJUNG KARANG
12-May-06
5.6
V
11
YOGYAKARTA
27-May-06
5.9
VII
12
PANGANDARAN
17-Jul-06
6.8
IV
13
JAKARTA
19-Jul-06
6.2
V
14
WONOSARI
22-Sep-06
5.7
V
15
MANADO
21-Jan-07
7.6
VI
16
PADANG
6-Mar-07
6.3
V
Page 46
Attachment 1 INDONESIAN EARTHQUAKE RATE/TARIFF
1/8/2003
ZONE I
Construction Class Building Category Code
A Reinf. Concrete
B Steel Frame
Others
B/C
0.108%
0.108%
0.122%
Up to 3 stories
A
0.104%
0.104%
0.113%
4 to 9 stories
D
0.122%
0.135%
0.270%
10 stories and higher
D
0.135%
0.149%
Declined
Description
C
Manufacturing/Factory risks
Other Risks
ZONE II
Construction Class Building Category Code
A Reinf. Concrete
B Steel Frame
Others
B/C
0.120%
0.120%
0.135%
Up to 3 stories
A
0.115%
0.115%
0.125%
4 to 9 stories
D
0.135%
0.150%
0.300%
10 stories and higher
D
0.150%
0.165%
Declined
Code
A Reinf. Concrete
B Steel Frame
Others
B/C
0.132%
0.132%
0.149%
Up to 3 stories
A
0.127%
0.127%
0.138%
4 to 9 stories
D
0.149%
0.165%
0.330%
10 stories and higher
D
0.165%
0.182%
Declined
Description
C
Manufacturing/Factory risks
Other Risks
ZONE III
Construction Class Building Category
Description
C
Manufacturing/Factory risks
Others Risks
Untuk Kolom yang ratenya tertulis "Declined" risiko tersebut tidak dapat diterima (Not acceptable). Keterangan : I. BUILDING CATEGORY Code
Category
Descriptions
A
SIMPLE RISKS
DWELING/DOMESTIC/OFFICE/SIMPLE TRADING RISKS UP TO 3 STORIES
B
MANUFACTURING RISKS
NOT INVOLVING AUTOMATED MACHINERY
C
MANUFACTURING RISKS
INVOLVING AUTOMATED MACHINERY
D
HIGHRISE BUILDINGS
BUILDING - FROM 4 STOREYS
II. CLASS CONSTRUCTION Code
Descriptions
A
REINFORCED CONCRETE
B
STEEL FRAME
C
OTHERS
Attachment 2
FIRST LOSS SCALE % of
% of
% of
% of
% of
% of
Values
Total Premium
Values
Total Premium
Values
Total Premium
100.00
100.00
54.00
85.80
8.00
56.00
99.00
99.60
53.00
85.60
7.50
55.00
98.00
99.20
52.00
85.40
7.00
54.00
97.00
98.80
51.00
85.20
6.00
52.00
96.00
98.40
50.00
85.00
5.00
50.00
95.00
98.00
49.00
84.70
4.90
49.50
94.00
97.60
48.00
84.46
4.80
49.00
93.00
97.20
47.00
84.21
4.70
48.50
92.00
96.80
46.00
83.90
4.60
48.00
91.00
96.40
45.00
83.60
4.50
47.50
90.00
96.00
44.00
83.30
4.40
47.00
89.00
95.60
43.00
83.00
4.30
46.50
88.00
95.20
42.00
82.80
4.20
46.00
87.00
94.80
41.00
82.53
4.10
45.50
86.00
94.40
40.00
82.20
4.00
45.00
85.00
94.00
39.00
81.87
3.90
44.50
84.00
93.60
38.00
81.54
3.80
44.00
83.00
93.20
37.00
81.21
3.70
43.50
82.00
92.80
36.00
80.88
3.60
43.00
81.00
92.40
35.00
80.55
3.50
42.50
80.00
92.00
34.00
80.22
3.40
42.00
79.00
91.60
33.00
80.00
3.30
41.50
78.00
91.20
32.00
79.37
3.20
41.00
77.00
90.80
31.00
78.75
3.10
40.50
76.00
90.40
30.00
78.12
3.00
40.00
75.00
90.00
29.00
77.50
2.90
39.75
74.00
89.80
28.00
76.87
2.80
39.50
73.00
89.60
27.00
76.25
2.70
39.25
72.00
89.40
26.00
75.62
2.60
39.00
71.00
89.20
25.00
75.00
2.50
38.75
70.00
89.00
24.00
74.00
2.40
38.50
69.00
88.80
23.00
73.00
2.30
38.25
68.00
88.60
22.00
72.00
2.20
38.00
67.00
88.40
21.00
71.00
2.10
37.75
66.00
88.20
20.00
70.00
2.00
37.50
65.00
88.00
19.00
69.00
1.90
37.00
64.00
87.80
18.00
68.00
1.80
36.50
63.00
87.60
17.00
67.00
1.70
36.00
62.00
87.40
16.00
66.00
1.60
35.50
61.00
87.20
15.00
65.00
1.50
35.00
60.00
87.00
14.00
64.00
1.40
34.50
59.00
86.80
13.00
63.00
1.30
34.00
58.00
86.60
12.00
62.00
1.20
33.50
57.00
86.40
11.00
61.00
1.10
33.00
56.00
86.20
10.00
60.00
1.00
32.50
55.00
86.00
9.00
58.00
Attachment 3
TARIF SUKU PREMI KURANG DARI 12 BULAN JANGKA WAKTU
3 hari 10 hari 1 bulan 1.5 bulan 2 bulan 3 bulan 4 bulan 5 bulan 6 bulan 7 bulan 8 bulan 9 bulan 10 bulan 11 bulan lebih dari 11 bulan dihitung tarip suku premi penuh
PROSENTASI TARIF TAHUNAN 5% 10% 20% 25% 30% 40% 50% 60% 70% 75% 80% 85% 90% 95%
Attachment 4
Indemnity Period
Prosentase besarnya Suku Premi atas Tarif
1 bulan 20% x 100% rate 2 bulan 30% x 100% rate 3 bulan 40% x 100% rate 4 bulan 50% x 100% rate 6 bulan 60% x 100% rate 9 bulan 80% x 100% rate 12 bulan 100% x 100% rate 15 bulan 96% x 100% rate 18 bulan 93% x 100% rate 21 bulan 91.5% x 100% rate 24 bulan 90% x 100% rate 30 bulan 87% x 100% rate 36 bulan 85% x 100% rate 48 bulan 83% x 100% rate Lebih dari 48 bulan ditetapkan AAUI / KARBA
GLOSSARIES 1.
OCCUPATION A C I R
2.
-
AGRICULTURAL COMMERCIAL INDUSTRIAL RESIDENTIAL
ZONES (BASED ON CRESTA) 1.1 - Banda Aceh 1.2 - Medan 1.3 - Others 1 - North Sumatera 2.1 2.2 2.3 2
-
Padang Palembang Others South Sumatera
3.1 3.2 3.3 3
-
DKI Jakarta Bandung Others DKI & West java
4.1 4.2 4.3 4
-
Semarang Yogyakarta Others DIY & Central Java
5.1 5.2 5 -
Surabaya Others East Java
6
Kalimantan
-
7.1 7.2 7 -
Ujung Pandang Others Sulawesi
8
Other Islands
-
:
:
Page 47
3.
f : F : Cum :
Frequencies Accumulations of frequencies Cumulative (increasing in amount by one addition after another)
4.
Incurred Claim Outstanding Claims (100%) plus paid/settled claims (100%)
5.
Sum Insured The Sum Insured represents 100% Sum Insured
6.
Gross Premium Gross Premium represent 100% premium
7.
Loss Ratio The percentage ratio of Incurred claims to Gross Premium
Page 48