Statistik Asuransi Gempa Bumi Indonesia 2010

PT. ASURANSI MAIPARK INDONESIA

Statistik Asuransi Gempa Bumi Indonesia 2010 Indonesian Earthquake Insurance Statistic 2010]

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www.maipark.com

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

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

o Inovasi terhadap sistem dan proses pengolahan data statistik. o Peta Kejadian Gempa Bumi Indonesia. o Peta Exposure Gempa Bumi Indonesia. o Penggolongan tersendiri atas risiko multi lokasi, dalam laporan profile risiko dan klaim. o Analisa asuransi gempa terkait kondisi makro ekonomi. o Analisa seismitas terkini. o Laporan dengan dua bahasa (Bahasa Indonesia – Bahasa Inggris). o Panel navigasi yang akan memudahkan dalam menelusuri laporan statistik ini. o Tabel, peta dan grafik yang kreatif.

o Inovation of the system and statistical data processing. o Map of Indonesian Earthquake Occurence. o Map of Indonesian Earthquake Exposure. o Separate classification of multi-location risks in Risk and Loss Profile report. o Analysis of earthquake insurance related to macro economic conditions. o Current Seismic Analysis. o Bilingual reports (Indonesian - English). o Navigation Panel to ease to trace the statistical report. o Creative tables, maps and graphs.

Dengan semangat ”Go Green”, dan laporan tersebut disajikan dalam bentuk soft copy dan tidak lagi diproduksi dalam bentuk hard copy.

With the spirit of "Go Green” the report is presented in soft copy rather than hard copy.

Usaha yang kami lakukan dalam menyempurnakan laporan statistik ini tidak akan berarti apa - apa tanpa dukungan dari seluruh perusahaan asuransi. Data yang lengkap dan akurat akan sangat menentukan kualitas dari hasil statistik ini.

Our efforts to continously improve this statistic report are nothing without all insurance companies’ support. Complete and accurate data will greatly determine the quality of these statistical results.

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Kami berharap laporan statistik ini dapat memberikan manfaat tidak hanya bagi perusahaan asuransi yang menangani asuransi gempa bumi, namun juga berguna bagi industri Asuransi Umum di Indonesia.

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

Salam Inovasi MAIPARK !!

Frans Sahusilawane President Director

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Daftar Isi / Contents Kata Pengantar .................................................. i Daftar Isi ........................................................... iii Informasi Statistik............................................ vi Ikhtisar Asuransi Gempa Bumi Indonesia 2010...................................................................... A.Pendahuluan ............................................... 1

Foreword ............................................................ i Table of Contents ............................................ iii Statistical Information ..................................... iv Summary of Indonesia Earthquake Insurance 2010 ................................................... A.Introduction ................................................. 1

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

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

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

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

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

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

E.Kontribusi Asuransi Gempa Bumi Indonesia ....................................................................... 7

E.Earthquake Insurance Contribution ....................................................................... 7

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

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

Exposure Asuransi Gempa Bumi Indonesia ... Tabel 2.1.Exposure Per Cresta Zone .......... 21

Indonesia Earthquake Insurance Exposure .... Table 2.1.Exposure By Cresta Zone ........... 21

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

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

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

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

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

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

Gross Premium Asuransi Gempa Bumi Indonesia ............................................................ Tabel 3.1.Gross Premium Per Cresta Zone . 28

Indonesia Earthquake Insurance Gross Premium ............................................................. Table 3.1.Gross Premium By Cresta Zone .. 28

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

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

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

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

Jumlah Risiko Asuransi Gempa Bumi Indonesia ............................................................ Tabel 4.1.Jumlah Risiko Per Cresta Zone ... 33

Indonesia Earthquake Insurance Number of Risks ................................................................... Table 4.1.Number of Risk By Cresta Zone .. 33

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

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

Klaim Asuransi Gempa Bumi Indonesia .......... Tabel 5.1.1.Klaim Frekwensi Per Okupasi .... 37

Indonesia Earthquake Insurance Claim............ Table 5.1.1.Claim Frequency By Occupation 37

Tabel 5.1.2.Klaim Frekwensi Per Cresta Zone ..................................................................... 39

Table 5.1.2. Claim Frequency By Cresta Zone ..................................................................... 39

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

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

Tabel 5.2.2.Jumlah Klaim Per Cresta Zone .. 43

Table 5.2.2.Claim Amount By Cresta Zone .. 43

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Profil Risiko dan Klaim ...................................... Tabel 6.1.Semua Tahun Underwriting, Semua Okupasi, Semua Cresta Zone ...................... 45

Risk and Loss Profile ........................................ Table 6.1.All Underwriting Year, All Occupation, All Cresta Zone......................... 45

Tabel 6.2. Tahun Underwriting 2010, Semua Okupasi, Semua Cresta Zone ...................... 46

Table 6.2. Underwriting Year 2010, All Occupation, All Cresta Zone......................... 46









Profil Risiko dan Klaim Tahun Underwriting 2010 ..................................................................... Okupasi Agricultural ..................................... 51

Risks and Loss Profile Underwriting Year 2010 .................................................................... Agricultural Occupation ............................. 51

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

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

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

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

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

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

Profil Risiko dan Klaim Tahun Underwriting 2009 ..................................................................... Okupasi Agricultural .................................... 55















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




Commercial Occupation ............................ 64 iv


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




Risks and Loss Profile Underwriting Year 2006 .................................................................... Agricultural Occupation .............................. 67






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

Peta.7.1 Distribusi Kejadian Gempa di Indonesia 2004 - 2010 ................................. 71

Map 7.1 Indonesia Earthquake Distribution of occurrences 2004-2010................................ 71

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

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

Lampiran

Attachments

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

1. Indonesia Earthquake Insurance Tariff ....

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

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

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

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

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

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

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Informasi Statistik Statistics Information

1.

Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan posisi 31 Desember 2010.

2.

Sesi Limit 2.1. Limit Sesi didasarkan atas setiap risiko. 2.2. Yang dimaksud dengan setiap risiko (anyone risk) adalah akumulasi (aggregate) jumlah harga pertanggungan seluruh risiko pada lokasi yang sama untuk masingmasing perusahaan asuransi. Definisi setiap risiko atau setiap lokasi ditentukan oleh perusahaan asuransi atau penerbit polis sesuai dengan interpretasi perusahaan asuransi dalam underwriting polis kebakaran. 2.3. Besarnya Limit Sesi atas setiap risiko (any one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah sebagai berikut : 2.3.1. Untuk daerah Jawa Barat, Banten dan DKI : 5% (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,500,000.00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis. 2.3.2 Untuk daerah Indonesia lainnya 25% (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2,500,000.00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko setiap

1.

2.

Statistics are made based on Underwriting Year basis, which is recorded as at December 31 2010. Cession Limit 2.1. Cession Limit is based on any one risk. 2.2. Anyone risk is the accumulation of (aggregate) total sum insured of all risks at the same location for each insurance company. The definition of anyone risk or any location is specified by the insurer or policy issuer in accordance with the interpretation of insurance companies in underwriting fire policy.

2.3. Cession Limit of any one risk for the combined material and business interruption damage are as follows: 2.3.1 For West Java, Banten and DKI : 5% (five percent) of the total sum insured, a maximum of USD 2,500,000.00 (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer 2.3.2 Others area within Indonesia are 25% (twenty five percent) of total sum insured, maximum of USD 2,500,000.00 (two million five hundred thousand U.S. Dollars) for each risk, each insurance company or policy issuer.

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perusahaan asuransi atau penerbit polis. 2.4. Dalam hal penutupan secara First Loss Basis / Sub-limit, jumlah yang disesikan sebagaimana diatur dalam butir 2.3. diatas, dikalikan prosentase First Loss Basis / Sublimit Basis. 2.5. Bilamana risiko ditutup secara koasuransi, jumlah maksimum sesi dari semua Anggota ko-asuransi adalah sesuai dengan ketentuan yang diatur dalam 2.3. diatas. Sesi masingmasing 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.

2.4 In term of first loss basis / sub limit policies, the amount cessions are stipulated in item 2.3 above, then multiplied by the percentage of First Loss Basis / Sub-limit Basis. 2.5 For coinsurance policies, maximum cession from all members of coinsurance is stipulated in item 2.3 above. Each ceding company cedes proportionally depending on its share. In the even there are other policies on the same risk beside that coinsurance policy, insurer still can cede such risks subject to the maximum limit set out in item 2.3

3.

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)

3.

Premium Tariff 3.1. For the coverage of Full Value Basis, Indonesian earthquake rate standard is applied (attachment 1). 3.2. The coverage First Loss / Sub Limit Basis uses standard First Loss Scale (attachment 2). 3.3. Premium calculation for short period coverage is based on Short Period Scale (attachment 3). 3.4. Premium calculation for business interruption is based on Indemnity Period Scale (attachment 4)

4.

Obyek Pertanggungan 4.1. Obyek pertanggungan yang dapat disesikan adalah obyek pertanggungan asuransi kebakaran berupa :

4.

Insured Objects 4.1. Insured objects that can be ceded are insured objects in fire policy. such as :

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4.2

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 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.

4.1.1. Material damage :  Buildings  Foundations  Excavation and the like  Stocks  Others 4.1.2. Business Interruption  Gross Profit  Wages  Increase in cost of working  Others 4.2. Insured objects referred in item 4.1 are objects from direct business insurance, including coinsurance. Indirect businesses cannot be ceded.

5.

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.

5.

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

6.

Untuk kasus “Multi Location Risk” yang mengalami kesulitan dalam memberikan detail harga pertanggungan perlokasi maka dengan persetujuan AAUI pensesian risiko dan perhitungan premi dilakukan pada zona-zona tertentu.

6.

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

7.

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.

7.

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

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

A. Pendahuluan.

A. Introduction

Dengan mengukur Pendapatan Domestik Bruto (PDB) berdasarkan laporan yang dikeluarkan Biro Pusat Statistik dalam laporan triwulan 2010nya, ternyata PDB nasional pada triwulan keempat 2010 meningkat sebesar 14,42% dari Rp. 5.613,40 triliun di tahun 2009 menjadi Rp. 6.422,91 triliun di tahun 2010 ini.

By measuring its Gross Domestic Product (GDP) based on the quarterly report in 2010 issued by Statistic Centre Bureau, the national GDP has increased 14,42% or from Rp. 5.613,40 trillion in 2009 to Rp. 6.422,91 trillions in 2010.

Tingkat Pendapatan Domistik Bruto (PDB) Indonesia dalam lima tahun terakhir dapat dilihat pada grafik 1.1 dibawah ini

The level of Indonesia’s Gross Domestic Product during the last five years is shown in graph 1.1 below.

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

Dalam Miliar Rupiah In Billion Rupiah

Grafik 1.1 / Graph 1.1

B. Struktur Pasar.

B. Market Structure.

Maipark dimiliki oleh seluruh perusahaan asuransi dan reasuransi umum di Indonesia, Partisipasi kepada Maipark bersifat wajib. Datadata dalam laporan ini merupakan hasil dari sesi wajib statistik gempa bumi tersebut ditambah sesi bukan statistik.

Maipark is owned by all general insurance and reinsurance companies in Indonesia. Participation to Maipark was made compulsory. All data in this report is generated from stastistical compulsory cession and non statistical cession.

Statistik Asuransi Gempa Bumi Indonesia 2010 1|P a g e

Per 31 Desember 2010, seperti yang dilaporkan oleh Bapepam LK – Departemen Keuangan dalam laporan Indonesian insurance directory 2010, jumlah perusahaan asuransi dan reasuransi umum di Indonesia adalah 90 perusahaan. Dengan rincian 86 perusahaan asuransi umum dan 4 perusahaan reasuransi umum. Dari ke 86 perusahan asuransi umum ini, 20 diantaranya adalah perusahaan patungan. Sedangkan 66 sisanya adalah perusahaan swasta nasional. Dari 4 perusahaan reasuransi umum, kesemuanya adalah juga perusahaan swasta nasional.

As at December 31, 2010, Based on the report in Indonesia Insurance Directory 2010 issued by Bapepam LK- Ministry of Finance, there are 90 insurance companies which consist of 86 general insurance companies and 4 reinsurance companies. 20 general insurance companies are joint venture and the remaining are private national companies. The four reinsurance companies are also private national.

C.

C. Gross Premium Growth

Pertumbuhan Premi Bruto

Seiring dengan meningkatnya laju pertumbuhan ekonomi Indonesia, seperti yang terlihat dari pertumbuhan Pendapatan Domestik Bruto, pendapatan premi bruto asuransi gempa bumi pun meningkat dari tahun ke tahun.

As reflected in the development of Gross Domistik Product, the growth of the gross premium of earthquake insurance is in line with the growth of Indonesian economic every year.

Sampai dengan posisi per 31 Desember 2010, pendapatan premi bruto untuk tahun underwriting 2006 adalah sebesar Rp. 1.770 Milliar. Premi Bruto untuk tahun underwriting 2007 tercatat sebesar Rp. 1.858 Milliar, sedangkan tahun underwriting 2008 adalah Rp. 1.930 milliar. Untuk tahun underwriting 2009 dan 2010 pendapatan premi bruto asuransi gempa bumi adalah sebesar Rp. 1.947 milliar dan Rp. 1.626 milliar. Angka-angka ini dipastikan akan terus bergerak naik karena pensesian yang masih terus berlanjut, terutama untuk tahun underwriting 2009 dan 2010.

As at December 31 2010, earthquake gross premium income for underwriting year 2006 is Rp. 1.770 billions. Gross premium for 2007 was booked for Rp. 1.858 billions. While underwriting year 2008 premium is Rp. 1.930 billions. Gross Premium for underwriting year 2009 and 2010 are Rp. 1.947 billions and Rp. 1.626 billions. This gross premium income will keep moving up because earthquake cession continues, especially for underwriting year 2009 and 2010.

Jika mengasumsikan tidak ada pertumbuhan premi yang berarti pada tahun underwriting 2006, 2007 dan 2008, maka dapat dikatakan bahwa premi asuransi gempa bumi di tahun underwriting 2007 tumbuh sebesar 4,97% dibanding tahun 2006, sedangkan untuk tahun underwriting 2008 premi tumbuh sebesar 3,87% dari tahun sebelumnya.

If there is no significant movement on the underwriting year 2006,2007,and 2008, the earthquake insurance premium for underwriting year 2007 would be 4,97% higher than underwriting year 2006. While premium growth for underwriting year 2008 is 3,87% higher than underwriting year 2007.


Tabel 1.1 dan grafik 1.2 berikut ini menggambarkan pertumbuhan premi bruto dari tahun ke tahun.

Table 1.1 and graph 1.2 below show gross premium development from year to year.

Pertumbuhan Premi Bruto Asuransi Gempa Bumi Eathquake Gross Premium Growth


Underwriting Year 2006 2007 2008 2009 2010


Per / As At 31 December 2006 821

2007 47%

1,651 1,028

2008 93% 55%

1,697 1,790 1,078

2009 96% 96% 56%

1,734 1,792 1,803 1,126

2010 98% 96% 93% 58%

1,770 1,858 1,930 1,947 1,626

100% 100% 100% 100% 100%

Tabel 1.1 / Table 1.1

Dari tabel dan grafik diatas tampak bahwasannya pertumbuhan premi bruto asuransi gempa bumi pada tahun ke dua, untuk setiap tahun underwriting, rata-rata sudah mencapai lebih dari 90% dari maksimum pertumbuhannya.

The table and graph above shows that, on average, the growth of gross premium income reaches over 90% maximum at its second underwriting year.

Pada setiap tahun underwriting, pelaporan sesi asuransi gempa bumi di tahun pertama, juga menunjukkan peningkatan. Untuk tahun underwriting 2006 tercatat rasio sebesar 47% dari total premi tahun underwriting tersebut. Angka ini meningkat tajam di tahun underwriting 2007 menjadi sebesar 55% dan terus menaik di tahun underwriting 2008 sebesar 56% dan tahun underwriting 2009 sebesar 58%.

For each underwriting year, earthquake insurance cession report at its first year shows increament. For underwriting year 2006, the ratio is only 47% from total. It increased more sharply than underwriting year 2007 to become 55% and keeps moving up at 56% for underwriting year 2008 and 58% for underwriting year 2009.


Kontribusi terbesar premi asuransi gempa bumi yang tercatat sampai dengan 31 Desember 2010 untuk tiap tahun underwriting masih menunjukkan tingginya tingkat pendapatan premi yang diperoleh dari okupasi industri, dengan rata-rata rasio pendapatan dalam 5 tahun terakhir underwriting sebesar 66% dari total premi. Diikuti oleh okupasi komersial dengan rasio sebesar 23% dan residensial sebesar 10%. Sedangkan okupasi agrikultural menyumbang hanya sebesar rata-rata 1% disetiap tahun underwriting.

As at Desember 31 2010, the highest earthquake premium contribution for each underwriting year is coming from industrial occupation, the average income ratio is 66% for the last five underwriting years. Followed by commercial occupation with ratio of 23% and 10% from residential occupation. The other side, agricultural occupation contributes only about 1% for each underwriting year.

Meskipun okupasi agrikultural dan residensial memberikan kontribusi yang tidak sebesar okupasi industri ataupun komersial. Namun jika melihat pertumbuhan premi bruto disetiap tahun underwriting, kedua okupasi ini mengalami pertumbuhan premi yang cukup tinggi dan diatas rata-rata pertumbuhan premi semua okupasi disetiap tahunnya. Pertumbuhan yang cukup tinggi dan berlangsung tiap tahun pada okupasi residensial terjadi, baik itu jumlah maupun rasio kontribusi pada total pendapatan premi di setiap tahun underwriting.

Although contributions of agricultural and residential occupation are not as high as industrial or commercial, their gross premiums still increase significantly every year. Their increaments of each underwriting year are even above average in all occupations combined. For residential occupation in each underwriting year, the significant increase are both on its total gross premium and its contribution ratio.

Dibanding dengan tahun underwriting 2006, pendapatan premi bruto dari okupasi residensial di tahun underwriting 2007 tumbuh hampir dua kali lipat. Pertumbuhan ini terus berlanjut meskipun tak sebesar pertumbuhan ditahun underwriting 2007. Di tahun underwriting 2010, dimana pensesian masih terus berlangsung, okupasi ini telah mengumpulkan pendapatan premi bruto sebesar Rp. 211,68 milliar. Angka ini diproyeksikan akan terus tumbuh hingga mencapai Rp. 350 milliar.

The gross premium of residential for underwriting year 2007 is almost doubled comparing to that of underwriting year 2006. This growth continued although it is not as high as in underwriting year 2007. In underwriting year 2010, where cession continues, this occupation has produced Rp. 211,68 billions of gross premium income. This figure is projected to grow and reach Rp. 350 billions.

Pertumbuhan premi yang cukup tinggi di okupasi agrikultural terlihat pada tahun underwriting 2008, dimana pendapatan premi tumbuh hampir 80% lebih besar dibanding tahun underwriting sebelumnya.

The significant growth in agricultural occupation is in underwriting year 2008, where premium is 80% higher than previous underwriting year.

Tabel 1.2 berikut ini menyajikan rincian premi bruto untuk tiap tahun underwriting berdasarkan okupasi.

This following table 1.2, shows detail gross premium for the last five years by occupation.


Per / As At 31 Dec 2010

Sektor Ekonomi Okupasi Agrikultur / Agricultural Komersil /Commercial Industri / Industrial Residensil / Residential Total

Premi Bruto Berdasarkan Okupasi Gross Premium By Occupation

2006 10.31 1% 428.77 24% 1,253.02 71% 78.15 4% 1,770.25


Tahun Underwriting / Underwriting Year 2007 2008 2009 2010 9.95 1% 17.85 1% 17.32 1% 9.95 1% 394.32 21% 458.88 24% 468.26 24% 314.52 19% 1,301.76 70% 1,237.32 64% 1,183.76 61% 1,090.48 67% 152.47 8% 216.00 11% 278.59 14% 211.68 13% 1,858.50 1,930.05 1,947.93 1,626.62 Tabel 1.2 / Table 1.2

Dilihat dari distribusi premi berdasarkan cresta zone dalam 5 tahun underwriting terakhir, penyebaran risiko gempa bumi masih terpusat di zona 3 (DKI Jakarta dan Jawa Barat). Meskipun pendapatan premi masih terus dapat berubah dikarenakan pensesian masih terus berlangsung, namun terlihat tingkat rasio pada zona 3 ini terus beranjak naik dari 45% pada tahun underwriting 2006 menjadi 55% di tahun underwriting 2010 dengan rata-rata tiap tahun underwriting sebesar 50%.

The premium distribution based on cresta zone for the last last 5 underwriting years is centralized in zone 3 (DKI Jakarta and West Java). The ratio is growing from 45% in underwriting year 2006 to 55% in underwriting year 2010 with the average of 50% each year. This is due to the cessions are still in process.

Jika zona 3 terus bertambah naik, penurunan justru terjadi pada zona 6 (Kalimantan). Penurunan ini tampak secara rasio maupun jumlah pendapatan premi brutonya, hal ini terlihat Dari tahun underwriting 2006-2008, dimana pada ketiga tahun underwriting ini, premi tidak akan banyak berubah. Pada tahun underwriting 2006, zona ini memberikan kontribusi sebesar 10%. Tingkat rasio ini terus turun pada setiap tahunnya, hingga hanya mencapai sebesar 5% pada tahun underwriting 2010.

While zone 3 is increasing, the decrease on the other hand occurred on zone 6 (Kalimantan) on both ratio and its earthquake gross premium. Underwriting year data of 2006 – 2008 shows the decrease, where gross premium for these underwriting years remain steady. On underwriting year 2006, this zone contributes 10%. This contribution ratio keeps decreasing each underwriting year until only 5% contribution ratio on underwriting year 2010.

Pada zona lain, rasio distribusi premi untuk tiap tahun underwriting terlihat stabil. Seperti yang terlihat pada tabel 1.3 berikut ini.

On the other zones, premium distribution ratio for each underwriting year seems consistent as shown in table 1.3 below.


Premi Bruto Berdasarkan Zona Cresta Gross Premium By Cresta Zone

Per / As At 31 Dec 2010

Zona Cresta / Cresta Zone Sumatera Wilayah Utara / North Sumatera Sumatera Wilayah Selatan / South Sumatera DKI & Jawa Barat / DKI & West Java DIY & Jawa Tengah / DIY & Central Java Jawa Wilayah Timur / East Java Kalimantan / Kalimantan Sulawesi / Sulawesi Wilayah Lainnya / Other Island Total

2006 93.33 205.19 790.09 149.24 246.29 182.65 59.71 43.75 1,770.25

5% 12% 45% 8% 14% 10% 3% 2%


Tahun Underwriting / Underwriting Year 2007 2008 2009 2010 96.00 5% 68.63 4% 89.39 5% 112.97 7% 179.28 10% 217.88 11% 190.51 10% 123.47 8% 853.57 46% 959.02 50% 1,065.70 55% 889.36 55% 153.98 8% 139.52 7% 114.26 6% 94.59 6% 290.29 16% 305.57 16% 273.54 14% 230.19 14% 164.61 9% 110.13 6% 87.63 4% 75.56 5% 65.26 4% 69.22 4% 63.44 3% 49.37 3% 55.52 3% 60.09 3% 63.46 3% 51.11 3% 1,858.50 1,930.05 1,947.93 1,626.62

Tabel 1.3 / Table 1.3

D. Jumlah Risiko

D. Number of Risks

Seiring dengan pertumbuhan jumlah premi bruto yang terus meningkat, jumlah risiko asuransi gempa bumi juga terus meningkat. Dari keempat okupasi yang ada, peningkatan yang cukup berarti terlihat pada okupasi residensial.

The gross premium of earthquake insurance grows as well as the number of earthquake risk. The growth of gross premium in residential keeps increasing as shown in the above table.

Tabel dibawah ini menyajikan jumlah risiko, namun tidak termasuk risiko multilokasi yg tidak lengkap datanya. Dimana kami kesulitan memisahkannya untuk menjadi satu risiko.

This following table shows earthquake number of risks, excluding unidetified multi location risks. As we see it is difficult to separate them into single risk.

Pertumbuhan Jumlah Risiko Asuransi Gempa Bumi Earthquake Insurance Risk Number Development

Per / As At 31 Dec 2010 Okupasi Agricultural Commercial Industrial Residential Total

2006 464 38,231 9,236 23,680 71,611

100% 100% 100% 100%

Tahun Underwriting / Underwriting Year 2007 2008 2009 414 89% 626 135% 409 39,128 102% 65,009 170% 56,713 11,746 127% 9,773 106% 11,791 31,594 133% 36,070 152% 41,414 82,882 111,478 110,327


88% 148% 128% 175%

2010 228 46,101 9,418 36,128 91,875

49% 121% 102% 153%

*) Tidak termasuk risiko multilokasi yang tidak terdefinisi secara lengkap / excluding unidentified multilocation risks Tabel 1.4 / Table 1.4

Pertumbuhan gross premi yang terus meningkat pada okupasi residensial, tampak pada tabel diatas, pertumbuhan ini diiringi dengan peningkatan jumlah risikonya. Baik itu di tahun underwriting 2006, 2007, 2008 dan 2009.

The gross premium grow is increasing on residential occupation, as shown by the above table. This growth is in line with the number of risks on residential occupation in underwriting year 2006, 2007, 2008 and 2009.


Peningkatan jumlah risiko juga dialami oleh okupasi komersial, meskipun dilihat dari tingkat pertumbuhan pendapatan premi brutonya tidaklah terlalu berubah banyak.

The growth of number of risk also occurs in commercial occupation, despite less change in the premium.

E. Kontribusi Asuransi Gempa Bumi

E.

Pertumbuhan yang dialami ekonomi Indonesia juga tampak dari pertumbuhan industri asuransi, baik itu asuransi jiwa maupun asuransi kerugian. Dalam catatan terakhir yang dikeluarkan oleh Biro Perasuransian Bapepam LK, dalam buku Perasuransian Indonesia 2009, tercatat penerimaan premi bruto asuransi di tahun 2009 meningkat sebesar 17,9% dari tahun sebelumnya menjadi Rp. 106,4 triliun. Rasio antara premi bruto terhadap Produk Domestik Bruto sebesar 1,9%.

Indonesian economic growth is reflected on its insurance industry’s growth. On last publications of Indonesia Insurance 2009 issued by Indonesian Insurance Bureau, the gross premium for 2009 rose 17,9% to become Rp. 106,4 trillion. The ratio of gross premium to gross domestic product is about 1,9%.

Pada tahun 2009, Asuransi kerugian dan reasuransi mencatat premi bruto sebesar Rp. 25.07 triliun, atau meningkat sebesar 6,08% dari tahun 2008. Di lini usaha asuransi properti sendiri pendapatan premi bruto tumbuh sebesar 4% menjadi Rp. 7,72 triliun.

In 2009, gross premium of general insurance and reinsurance is Rp. 25,07 trillion, or increase for 6,08% from 2008. For property insurance itself, the gross premium increases for 4% than previous year and become Rp. 7,72 trillions.

Asuransi gempa bumi merupakan bagian dari asuransi properti. Sebelumnya, asuransi gempa bumi hanyalah merupakan perluasan (ekstension) atas polis asuransi properti, namun sejak tahun 2007 telah ada Polis Standar Asuransi Gempa Bumi Indonesia (PSAGBI) yang memungkinkan asuransi gempa bumi ditutup secara terpisah.

Earthquake insurance is a part of property insurance. At the beginning, earthquake insurance is only an extension of property insurance policy. Since 2007, there is Indonesian Earthquake Insurance Standard Policy which enables earthquake insurance policy to be covered separately.

Dengan memproyeksi pendapatan premi bruto asuransi gempa bumi untuk tahun 2009 dan 2010, maka rata-rata kontribusi asuransi gempa bumi terhadap produk domistik bruto dalam lima tahun terakhir adalah sebesar 0,04%. Sedangkan, kontribusi asuransi gempa bumi terhadap penutupan asuransi property dalam lima tahun terakhir adalah sebesar 27,54%. Atau, dari tiga sampai empat penutupan asuransi property terdapat satu penutupan asuransi gempa bumi, baik itu yang hanya merupakan

By projecting earthquake gross premium for year 2009 and 2010, the average earthquake contribution to gross domestic product for the last five years is about 0,04%. While, earthquake contribution to property insurance for the last five years is around 27,54%, it means that in every three or four property insurance issued, there is one earthquake cover, whether it is as a property insurance extension or a stand-alone policy.

Earthquake Insurance Contribution


perluasan dari polis property maupun penutupan yang berdiri sendiri. Produk Domestik Bruto, Premi Bruto Asuransi Property yang bersumber dari penutupan langsung serta Premi Bruto Asuransi Gempa Bumi selama 2006 hingga 2010, dapat dilihat di tabel 1.5 berikut.

Gross Domestic Product, gross property premium income from direct business and earthquake gross premium from 2006 to 2010 are shown in table 1.5 below:

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

Premi Bruto As. Properti Penutupan Langsung

Gross Domistic Product

Property Ins. Gross Premium Direct Business

*) Biro Pusat Statistik

*) Perasuransian Indonesia 2008

Year

In Billion IDR

2006 2007 2008 2009 2010

3,338,200 3,957,403 4,954,260 5,613,441 6,442,918

Growth

100% 119% 125% 113% 115%

In Billion IDR

5,377 6,487 7,388 7,724 8,730 **

Premi Bruto As. Gempa Bumi Earthquake Ins. Gross Premium

Growth

In Billion IDR

Growth

100% 121% 114% 104% 113%

1,770 1,858 1,930 2,013 ** 2,093 **

100% 105% 104% 104% 104%

**) Nilai proyeksi / Projection value Tabel 1.5 / Table 1.5

Seperti yang terlihat dari penyebaran asuransi gempa bumi berdasarkan zona cresta, ternyata cresta 3 adalah pusat dari penyebaran asuransi gempa bumi di Indonesia. Jika dilihat per provinsi maka Provinsi DKI Jakarta, Jawa Barat dan Banten yang merupakan bagian dari cresta 3, adalah pusat-pusat provinsi asuransi gempa bumi. Dalam lima tahun terakhir,masing-masing provinsi tersebut menyumbang rata-rata sebesar 20%,17% dan 10% dari total pendapatan premi asuransi gempa bumi nasional. Diikuti oleh Provinsi Jawa Timur yang mencatat kontribusi sebesar rata-rata 14% dan Jawa Tengah dengan kontribusi rata-rata sebesar 7%.

As we can see the spread of the earthquake insurance by cresta zone, cresta 3 is the central spread of the Indonesian insurance. If we see the insurance earthquake spread by province, province of DKI Jakarta, West Java and Banten (all are in cresta 3) are the central province of earthquake insurance. Within the last five years, each province contribute the average of 20%,17%, and 10% of total national earthquake insurance premium. It is followed by province of East Java which contributed the average of 14%, and Central Java with the average of 7%.

Di kepulauan Sumatera, Provinsi Riau, dengan pendapatan premi yang besar dari industri gas, minyak bumi serta kertas, mencatatkan diri sebagai penyumbang terbesar premi asuransi gempa bumi di kepulauan ini. Dengan kontribusi sebesar 4,24%, diikuti oleh provinsi sumatera

In Sumatera Island, Riau Province with gross premium income from oil, gas and pulp industries is the biggest producer of earthquake gross premium within this island. It contributes about 4,24%, followed by North Sumatera Province 3,68% ,South Sumatera 2,4% and Lampung 1,35%.


utara 3,68%, sumatera selatan 2,4% dan lampung 1,35%. Dari Pulau Kalimantan, Provinsi Kalimantan Timur merupakan penyumbang terbesar terhadap pendapatan premi asuransi gempa bumi dengan rasio sebesar 5,49% diikuti oleh Kalimantan tengah sebesar 1,52%.

In Kalimantan Island, province of East Kalimantan is top producer with 5,49% contribution. It is followed by Central Kalimantan which contributes about 1,52%.

Tabel 1.6 dibawah ini menyajikan kontribusi pendapatan premi asuransi gempa bumi yang dibagi berdasarkan provinsi, catatan per tanggal 31 Desember 2010.

This following table 1.6 shows earthquake insurance contribution by province, as at December 31, 2010.

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

Dalam Jutaan Rupiah In Million Rupiah

Premi Bruto As. Gempa Bumi Earthquake Insurance Gross Premium Provinsi / Province

*) As at 31 Dec 2010 Underwriting Year 2006

%

2007

%

2008

%

2009

%

2010

%

1 Nanggroe Aceh Darussalam

26,797

1.51

28,766

1.55

6,285

0.33

9,523

0.49

13,787

0.85

2 Sumatera Utara

66,528

3.76

67,234

3.62

62,342

3.23

79,865

4.10

99,186

6.10

3 Sumatera Barat

13,122

0.74

10,457

0.56

20,579

1.07

17,844

0.92

19,372

1.19

103,014

5.82

73,556

3.96

94,743

4.91

44,412

2.28

25,528

1.57

4,452

0.25

4,062

0.22

5,024

0.26

33,238

1.71

3,155

0.19

54,983

3.11

51,470

2.77

35,475

1.84

37,427

1.92

26,717

1.64

7 Bengkulu

1,243

0.07

2,372

0.13

6,069

0.31

5,465

0.28

4,486

0.28

8 Lampung

15,867

0.90

20,423

1.10

35,129

1.82

30,702

1.58

28,992

1.78

678

0.04

474

0.03

3,340

0.17

4,231

0.22

1,261

0.08

11,832

0.67

16,464

0.89

17,519

0.91

17,190

0.88

13,964

0.86

11 DKI Jakarta

333,909

18.86

353,233

19.01

427,032

22.13

449,634

23.08

304,816

18.74

12 Jaw a Barat

285,327

16.12

326,322

17.56

337,069

17.46

399,064

20.49

321,468

19.76

13 Jaw a Tengah

143,560

8.11

147,234

7.92

126,934

6.58

99,503

5.11

81,030

4.98

5,676

0.32

6,745

0.36

12,591

0.65

14,756

0.76

13,563

0.83

15 Jaw a Timur

246,293

13.91

290,293

15.62

305,570

15.83

273,542

14.04

230,187

14.15

16 Banten

170,851

9.65

174,015

9.36

194,914

10.10

217,004

11.14

263,074

16.17

27,034

1.53

33,226

1.79

47,326

2.45

53,093

2.73

41,228

2.53

1,655

0.09

1,816

0.10

3,267

0.17

4,165

0.21

2,218

0.14

19 Kalimantan Tengah

19,095

1.08

25,171

1.35

45,856

2.38

24,417

1.25

12,779

0.79

20 Kalimantan Selatan

2,777

0.16

2,777

0.15

3,602

0.19

5,438

0.28

3,784

0.23

159,119

8.99

134,843

7.26

57,406

2.97

53,611

2.75

56,777

3.49

22 Sulaw esi Utara

4,156

0.23

5,212

0.28

5,831

0.30

10,735

0.55

8,080

0.50

23 Sulaw esi Tengah

1,004

0.06

1,572

0.08

1,837

0.10

1,551

0.08

1,284

0.08

24 Sulaw esi Selatan

17,142

0.97

23,365

1.26

24,325

1.26

25,666

1.32

12,817

0.79

25 Sulaw esi Tenggara

36,896

2.08

34,445

1.85

36,385

1.89

8,811

0.45

9,484

0.58

466

0.03

575

0.03

725

0.04

16,025

0.82

17,233

1.06

53

0.00

86

0.00

118

0.01

651

0.03

474

0.03

28 Nusa Tenggara Barat

1,965

0.11

3,819

0.21

2,916

0.15

2,703

0.14

2,643

0.16

29 Nusa Tenggara Timur

656

0.04

531

0.03

736

0.04

885

0.05

973

0.06

30 Maluku

986

0.06

534

0.03

507

0.03

877

0.05

1,408

0.09

51

0.00

706

0.04

734

0.04

572

0.03

414

0.03

1,040

0.06

1,169

0.06

1,376

0.07

1,617

0.08

1,678

0.10

12,020

0.68

15,539

0.84

6,490

0.34

3,717

0.19

2,765

0.17

4 Riau 5 Jambi 6 Sumatera Selatan

9 Kepulauan Bangka Belitung 10 Kepulauan Riau

14 DI. Yogy akarta

17 Bali 18 Kalimantan Barat

21 Kalimantan Timur

26 Gorontalo 27 Sulaw esi Barat

31 Maluku Utara 32 Papua Barat 33 Papua

Tabel 1.6 / Table 1.6 Statistik Asuransi Gempa Bumi Indonesia 2010 9|P a g e

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

Based on our recent observation on these three underwriting year, 2006, 2007 and 2008, it is assumed that the premium growth for those three underwriting years do not change much. Therefore, even though the highest level of premium spread is in DKI Jakarta and West Java, the highest contribution of earthquake insurance penetration towards each regional provincial income is in Southeast Sulawesi. Based on the report of Statistic Centre Bureau, gross regional product in Southeast Sulawesi in 2008 is Rp. 22.173.885 million with the gross earthquake premium income of Rp. 36.385 million. The average earthquake insurance penetration in underwriting year 2006, 2007 and 2008 is 0.20%. The existence of mining sectors in this province gives big contribution to earthquake gross premium income. However, the earthquake insurance penetration toward gross domestic regional income (insurance penetration)in DKI Jakarta and West Java in underwriting year 2006, 2007 and 2008 are higher than that of national insurance penetration. Earthquake insurance penetration in province DKI Jakarta is 0.064% and 0.056% for West Java.

Provinsi yang memiliki rasio tertinggi kedua setelah Sulawesi Tenggara adalah Provinsi Banten dengan rata-rata rasio setiap tahun underwriting sebesar 0,17%. Banyak industri yang menopang pendapatan premi asuransi gempa bumi di provinsi ini, seperti misalnya industri baja, listrik, kimia dan lain-lain.

The second highest earthquake insurance penetration per province is Banten Province with average ratio each underwriting year of 0.17%. Many supporting industries contribute earthquake insurance premium, such as steels, electrics, chemicals and others.

Jika pada provinsi Sulawesi Tengah sektor pertambangan memberikan kontribusi yang cukup besar terhadap pendapatan premi bruto asuransi gempa bumi, maka pada Provinsi

While Central Sulawesi has mining sector that contributes significantly to earthquake insurance premium, Central Kalimantan has plantation and forestry sectors which give significant gross

Statistik Asuransi Gempa Bumi Indonesia 2010 10 | P a g e

Kalimantan Tengah, justru sektor perkebunan dan kehutanan yang memberikan kontribusi yang sangat signifikan dalam rasio pendapatan premi bruto terhadap produk domestik bruto di provinsi ini. Rata-rata rasio penetrasi pada provinsi ini dalam tahun underwriting 2006, 2007 dan 2008 adalah 0,10%

premium income ratio toward Gross Domestic Product of this province. The average penetration ratio in this province for underwriting year 2006,2007 and 2008 is 0,10%.

Tingkat penetrasi asuransi gempa bumi di Provinsi Bali juga terlihat cukup tinggi dan berada diatas rata-rata nasional dengan tingkat rasio 0,08%

Earthquake insurance penetration in Bali is also high and above national average ratio with the ratio of 0,08%.

Jika melihat data pendapatan premi bruto tahun underwriting 2009 dan 2010 yang telah dilaporkan dan memproyeksi pendapatan regional bruto, kemudian dibangingkan dengan rasio penetrasi di setiap provinsi pada tahun sebelumnya, ada beberapa provinsi yang menunjukkan pertumbuhan penetrasi asuransi gempa bumi yang cukup tinggi, seperti Provinsi Sulawesi Barat dan Sulawesi Utara, meskipun rasio penetrasi di kedua provinsi ini masih dibawah rata-rata rasio penetrasi nasional. Pada tahun underwriting 2006, 2007, 2008 tingkat penetrasi di provinsi Sulawesi Barat hanyalah sebesar 0,001%, 0,001%, 0,002% namun kemudian rasio penetrasi ini naik secara signifikan di tahun underwriting 2009, dan 2010 yang masih berjalan ini menjadi sebesar 0,008% dan 0,005%.

Having seen data of gross premium income of underwriting year 2009 and 2010 that are already reported and by forecasting Gross Domestic Regional Product, then comparing it to penetration ratio of previous year for each province, there are some provinces having significant growth of earthquake insurance penetration. These are West Sulawesi, and North Sulawesi, eventhough penetration ratios for these provinces are below average national earthquake penetration. The penetration ratios for underwriting year 2006, 2007 and 2008 are 0,001%, 0,001%, 0,002%. then for continuing underwriting year 2009 and 2010, these penetration ratios increase sharply to be 0,008% and 0,005%.

Pertumbuhan yang cukup tinggi juga terjadi di provinsi Bengkulu, dan D.I. Yogyakarta. pada tahun underwriting 2006 penetrasi asuransi di provinsi Prov D.I. Yogyakarta adalah sebesar 0,019%, rasio ini bergerak naik di tahun underwriting 2007 dan 2008 menjadi sebesar 0,020%, 0,033%. Di tahun underwriting 2009 dan 2010, tingkat rasio penetrasi menunjukan pertumbuhan yang tinggi mencapai 0,036% di tahun underwriting 2009 dan 0,030% untuk tahun underwriting 2010.

A significant growth also occurs in Bengkulu and D.I. Yogyakarta. By underwriting year 2006, penetration ratio for D.I Yogyakarta is 0,019%. This ratio increases for 0,020% and 0,033% in underwriting year 2007 and 2008. For the underwriting year 2009 and 2010, penetration ratios show high development, 0,036% for underwriting year 2009 and 0,030% for underwriting year 2010.

Untuk provinsi DKI Jakarta, Banten, Jawa Barat, Jawa Tengah, Jawa Timur, dan Sumatera Barat dari data tahun underwriting 2009 dan 2010 yang

From data underwriting year 2009 and 2010, earthquake insurance penetration on DKI


telah masuk, menunjukkan rasio penetrasi tidak akan banyak berubah.

Jakarta, West Java, Central Java, East Java and West Sumatera seem steady.

Pada Provinsi gorontalo, peningkatan rasio kontribusi asuransi gempa bumi terhadap produk bruto mulai terjadi di tahun underwriting 2009. Jika dilihat lebih lanjut pada data, bahwasannya kenaikan ini bersifat semu. Karena disebabkan pelaporan risiko multi lokasi yang dipusatkan di provinsi ini.

Gorontalo province also shows increasing earthquake insurance penetration, especially in underwriting year 2009. Having seen the data further, this increase was apparently caused by multi location risks that existed in this province.

Tabel 1.7 dibawah ini menyajikan penetrasi asuransi gempa bumi berdasarkan provinsi, dan peta 1.1 menunjukkan distribusi eksposure Asuransi gempa bumi di Indonesia untuk tahun underwriting 2010 berdasarkan provinsi, catatan per tanggal 31 Desember 2010.

This following table of 1.7 shows earthquake insurance penetration per province, and map 1.1 shows Indonesia earthquake exposure distribution per province for underwriting year 2010 as at December 31, 2010.


Penetrasi Asuransi Gempa Bumi Berdasarkan Provinsi 2006 - 2010 Earthquake Insurance Penetration By Province 2006 - 2010 Produk Domestik Regional Bruto Atas Dasar Harga Berlaku

Penetrasi Asuransi Gempa Bumi

Gross Domistic Regional Bruto at Current Price

Earthquake Insurance Penetration

Provinsi / Province

Dalam Jutaan Rupiah / In Million Rupiah *) Biro Pusat Statistik 2006

*) As at 31 Dec 2010

2007 **

2008 ***

2009 ****

2010 ****

2006

2007

2008

2009

69,353,346

71,093,359

73,530,750

82,403,883

88,452,755

0.04%

0.04%

0.01%

0.01%

0.02%

2 Sumatera Utara

160,376,799

181,819,737

213,931,697

232,928,550

256,314,929

0.04%

0.04%

0.03%

0.03%

0.04%

3 Sumatera Barat

53,029,588

59,799,045

70,614,210

77,585,893

85,749,453

0.02%

0.02%

0.03%

0.02%

0.02%

4 Riau

167,068,189

210,002,560

276,400,130

299,934,573

339,463,680

0.06%

0.04%

0.03%

0.01%

0.01%

5 Jambi

26,061,774

32,076,677

39,665,532

43,339,241

48,533,725

0.02%

0.01%

0.01%

0.08%

0.01%

6 Sumatera Selatan

95,928,763

109,895,707

133,358,882

146,939,811

163,584,132

0.06%

0.05%

0.03%

0.03%

0.02%

7 Bengkulu

11,397,004

12,820,321

14,446,964

15,991,729

17,528,729

0.01%

0.02%

0.04%

0.03%

0.03%

8 Lampung

49,118,989

60,921,966

74,490,599

81,380,367

91,076,897

0.03%

0.03%

0.05%

0.04%

0.03%

9 Kepulauan Bangka Belitung

15,920,529

17,895,017

21,720,598

23,372,310

25,729,458

0.00%

0.00%

0.02%

0.02%

0.00%

46,216,076

51,826,272

58,585,996

63,232,026

68,686,054

0.03%

0.03%

0.03%

0.03%

0.02%

11 DKI Jakarta

501,584,807

566,449,360

677,445,240

731,887,199

805,522,853

0.07%

0.06%

0.06%

0.06%

0.04%

12 Jaw a Barat

473,187,293

526,608,765

602,420,555

678,672,459

751,752,301

0.06%

0.06%

0.06%

0.06%

0.04%

13 Jaw a Tengah

281,996,709

312,428,807

362,938,708

402,147,074

443,847,112

0.05%

0.05%

0.03%

0.02%

0.02%

14 DI. Yogy akarta

29,417,349

32,916,736

38,102,133

41,480,232

45,453,795

0.02%

0.02%

0.03%

0.04%

0.03%

470,627,494

534,919,333

621,581,955

682,085,394

751,341,433

0.05%

0.05%

0.05%

0.04%

0.03%

16 Banten

97,867,273

107,499,652

122,497,457

133,373,504

145,417,975

0.17%

0.16%

0.16%

0.16%

0.18%

17 Bali

37,388,485

42,336,424

49,922,604

53,594,708

58,620,905

0.07%

0.08%

0.09%

0.10%

0.07%

18 Kalimantan Barat

37,714,997

42,478,601

48,414,405

52,226,786

56,820,535

0.00%

0.00%

0.01%

0.01%

0.00%

19 Kalimantan Tengah

24,480,038

27,920,072

32,350,804

35,318,378

38,822,232

0.08%

0.09%

0.14%

0.07%

0.03%

20 Kalimantan Selatan

34,670,494

39,438,767

45,515,623

48,675,356

52,937,342

0.01%

0.01%

0.01%

0.01%

0.01%

21 Kalimantan Timur

199,588,125

223,364,652

315,220,362

332,265,702

372,876,516

0.08%

0.06%

0.02%

0.02%

0.02%

22 Sulaw esi Utara

21,216,491

24,081,132

27,842,986

30,390,805

33,345,618

0.02%

0.02%

0.02%

0.04%

0.02%

23 Sulaw esi Tengah

19,310,255

22,757,593

28,151,502

30,186,785

33,449,383

0.01%

0.01%

0.01%

0.01%

0.00%

24 Sulaw esi Selatan

60,902,824

69,271,925

85,143,191

91,855,223

101,684,103

0.03%

0.03%

0.03%

0.03%

0.01%

25 Sulaw esi Tenggara

15,270,351

17,953,074

22,173,885

24,364,429

27,242,818

0.24%

0.19%

0.16%

0.04%

0.03%

26 Gorontalo

4,062,285

4,760,695

5,899,787

6,443,960

7,191,621

0.01%

0.01%

0.01%

0.25%

0.24%

27 Sulaw esi Barat

5,124,813

6,192,786

7,778,001

8,367,176

9,332,618

0.00%

0.00%

0.00%

0.01%

0.01%

28 Nusa Tenggara Barat

28,596,882

33,522,225

35,261,677

39,263,293

42,670,448

0.01%

0.01%

0.01%

0.01%

0.01%

29 Nusa Tenggara Timur

16,904,073

19,136,982

21,621,835

23,564,063

25,720,249

0.00%

0.00%

0.00%

0.00%

0.00%

30 Maluku

5,079,837

5,698,799

6,269,710

6,804,755

7,361,854

0.02%

0.01%

0.01%

0.01%

0.02%

31 Maluku Utara

2,818,417

3,160,042

3,856,362

4,023,057

4,378,310

0.00%

0.02%

0.02%

0.01%

0.01%

32 Papua Barat

8,945,540

10,369,836

12,471,606

13,529,318

14,953,938

0.01%

0.01%

0.01%

0.01%

0.01%

46,895,229

55,380,453

54,733,628

66,557,481

73,712,140

0.03%

0.03%

0.01%

0.01%

0.00%

1 Nanggroe Aceh Darussalam

10 Kepulauan Riau

15 Jaw a Timur

33 Papua

2010

Tabel 1.7 / Table 1.7 **) Angka Sementara, Sumber BPS / Rough figures, source : BPS ***) Angka Sangat Sementara, Sumber BPS / Estimate figures, source : BPS ****) Angka Proyeksi / Projected Figures


Peta 1.1 / Map 1.1


F. Pertumbuhan Incurred Claim

F.

Growth of Incurred Claim

Yang dimaksud dengan “Incurred claim” adalah klaim dibayar ditambah dengan klaim yang masih dalam proses.

What is meant by “Claim incurred” is claim paid plus claim outstanding which is still in process.

Di Tahun 2010 ini pembayaran klaim atas peristiwa gempa bumi di pariaman yang terjadi pada tanggal 30 September 2009 masih terus berlangsung. Gempa bumi dengan skala 7,9 richter yang berpusat 57 kilometer barat daya kota pariaman ini tidak hanya menimbulkan korban jiwa, namun juga kerugian ekonomis yang sangat besar.

In this 2010, the claim payment for Pariaman Earthquake on September 30 2009 still continues. The 7.9 richter earthquake with epicentrum of 57 kilometres South West of Pariaman, caused big loss on both life and economy sectors.

Klaim yang terjadi dari kejadian gempa Pariaman yang disebabkan oleh tumbukan patahan dekat subduksi antara lempeng Australia dan lempeng Sunda ini pun terus meningkat. Jika per tanggal 31 Desember 2009 klaim yang terjadi berjumlah Rp. 835,38 milliar, maka per tanggal 31 Desember 2010 meningkat hampir dua kali lipat menjadi sebesar Rp. 1.431,45 milliar.

Incurred claim of Pariaman earthquake that occurred as a result of oblige – trust faulting near the subduction interface plate boundary between the Australian and Sunda plates, increased. The incurred claim as at December 31 2009 is Rp. 835,38 billions and increased almost twice to Rp. 1.431,45 billions on December 31 2010.

Jika melihat tingkat kerugian yang ditimbulkan terhadap risiko asuransi sejak PT. Asuransi Maipark Indonesia terbentuk hingga tahun 2010 ini, klaim gempa Pariaman ini adalah yang terbesar. Berdasarkan catatan per 31 Desember 2010, kerugian asuransi akibat gempa dan tsunami Aceh 26 Desember 2004 hanyalah sebesar Rp. 612,28 milliar. Diikuti oleh gempa Yogyakarta, 27 Mei 2006, sebesar Rp.326,38 Milliar.

Insured loss of Pariaman earthquake is the highest since PT. Asuransi Maipark Indonesia firstly operated. As at December 31 2010, the insured loss of Aceh earthquake and tsunami on 26 December 2004 is only Rp. 612 billions. Then, Yogyakarta earthquake on 27 May 2006 caused insured loss of Rp. 326,68 billions.

Jumlah kerugian ekonomi gempa pariaman, seperti yang dilaporkan oleh wakil gubernur Sumatera Barat berdasarkan verifikasi final adalah sebesar Rp. 21.580 milliar. Hal ini berarti, industri asuransi memberikan kontribusi atas pemulihan ekonomi akibat gempa sebesar 6,67%. Sedangkan kontribusi asuransi gempa terhadap pendapatan regional bruto diprovinsi ini hanya 0,023%. Rasio ini menunjukkan bahwasannya asuransi merupakan alternative

Economic loss of Pariaman earthquake, as reported on final verification report by deputy governor of West Sumatera told that economic loss is Rp. 21.580 billions. It means, that earthquake insurance contributes 6,67% of economic recovery. While, earthquake insurance penetration in this province is only 0,023%. This ratio tells us that insurance is good risk transfer alternative of disasters risk management.


transfer risiko yang baik dalam manajemen risiko bencana Kerugian terbesar akibat gempa yang juga dirasakan getarannya hingga Malaysia dan Singapura ini, dialami oleh okupasi komersial dengan jumlah kerugian yang dilaporkan sebesar Rp. 1.262,69 milliar, atau 88% dari total klaim yang terjadi. Diikuti oleh okupasi residensial sebesar Rp. 83,87 milliar, okupasi Industri sebesar Rp. 80,74 miliar. Sementara, kerugian di okupasi agrikultural sebesar Rp. 4,16 milliar.

The biggest loss from Pariaman earthquake with tremors felt in Malaysia and Singapore, occurred on commercial occupation, with the amount of incurred claim of Rp. 1.262,69 billions or 88% of total damages. It is followed by residential occupation that suffered Rp. 83,87 billions. Reported damages for Industrial occupation is Rp. 80,74 billions. While agricultural suffered only Rp. 4,16 billions.

Grafik dibawah ini menunjukkan tingkat kerugian yang dialami oleh okupasi akibat gempa tersebut.

The Graphic below shows level of loss for occupation due to Pariaman earthquake.

Incurred Claim - Gempa Pariaman 30 September 2009 Incurred Claim - Pariaman Earthquake 30 September 2009 ( Dalam Milliar Rupiah / In Billion Rupiah )


Besarnya kerugian yang diderita akibat gempa ini, berpengaruh sangat besar terhadap rasio klaim terhadap premi bruto untuk tahun underwriting 2008 dan 2009. Per 31 Desember 2010, tingkat rasio klaim untuk tahun underwriting 2008 adalah 24%. Sedangkan tingkat rasio klaim untuk tahun underwriting 2009 adalah sebesar 59%

The High amount of damages caused by this earthquake gives impacts to loss ratio of underwriting year 2008 and 2009. As at 31 Desember 2010, the claim ratio for underwriting year 2008 become 24% while claim ratio for underwriting year 2009 is 59%.

Indonesia yang secara tektonis tidak stabil, dan dilalui oleh rangkaian gunung aktif didunia, cincin api pacific, dimana lempeng Indo-Australia dan lempeng pacific menghujam dibawah lempeng Eurasia menyebabkan Indonesia sangat rawan bencana. Gempa bumi, tsunami, letusan gunung berapi dan bencana alam lainnya silih berganti

Tectonically, Indonesia is highly unstable. It lies on Pacific Rings of Fire, a series of world active volcanoes, where the Australian Plate and the Pacific Plate are pushed under the Eurasia Plate which causes Indonesia extremely vulnerable to natural catastrophe. Earthquake, tsunami, volcanic eruption, and other natural disasters hit


menghantam negara ini setiap tahunnya. Tidak terkecuali di tahun 2010 ini.

Indonesia every year and it continues. No exception for this 2010.

Setelah kejadian berbagai bencana besar yang menimpa Indonesia seperti Tsunami Aceh 26 Desember 2004, Gempa Yogyakarta 27 Mei 2006, dan Gempa Pariaman 30 September 2009. Di tahun 2010, Indonesia dikejutkan oleh berbagai letusan gunung api. Pada 26 Oktober 2010, Gunung Merapi yang terletak di utara kota Yogyakarta ini meletus dan menyemburkan awan panas hingga mencapai ketinggian 1,5 kilometer. Menurut catatan, letusan ini adalah letusan Merapi terbesar kedua dalam 100 tahun terakhir. Letusan gunung berapi termuda dalam kumpulan gunung berapi di bagian selatan pulau jawa ini menyebabkan kerugian korban jiwa dan material yang sangat besar.

After major disasters hit Indonesia, such as: Aceh Tsunami on December 26, 2004, Yogyakarta Earthquake May 27, 2006 and Pariaman Earthquake September 30, 2009, Indonesia was again shocked by volcanoes eruptions in 2010. On October 26, 2010, Mount Merapi, located on north of Yogyakarta, erupted, exploded eruptive columns that reach up to 1,5 kilometres. This merapi eruption 2010 is the second biggest eruption of Merapi within the last 100 Years. The eruption of Merapi, the youngest volcano in a group of volcanoes in southern java, caused fatalities and high material damages.

Pada tahun ini juga, beberapa gunung api di Indonesia menunjukan geliatnya. Gunung Sinabung di provinsi Sumatera Utara yang meletus pada tanggal 29 Agustus 2010, serta Gunung Bromo tanggal 26 November 2010.

During this 2010, some of volcanoes in Indonesia also erupted. Sinabung, at North Sumatera province, erupted on August 29, 2010, while Bromo erupted on November 26, 2010.

Selain berbagai letusan gunung api, Indonesia juga dilanda oleh beberapa kejadian gempa dan tsunami. Tabel dan peta dibawah ini, menyajikan beberapa kejadian bencana alam 2010 yang dilaporkan sampai dengan tanggal 31 Desember 2010.

Besides volcanoes eruptions, Indonesia also experienced other disasters, like tsunamis and earthquakes. This following table and map show reported disasters during 2010, as reported until December 31, 2010.

Incurred Claim 2010 Incurred Claim 2010 Kejadian / Event Nama / Name Bali Sinabang Ketahun Banda Aceh Biak Panyabungan Sukabumi Bantul Merapi Merapi Makasar

Tanggal Peristiwa

Kerugian ( Dalam Rupiah )

Jenis / Type

Date of Occurance

Loss ( In Rupiah )

Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Volcano Eruption Volcano Eruption Earthquake

12-Feb-10 7-Apr-10 5-May-10 9-May-10 16-Jun-10 24-Jul-10 12-Aug-10 22-Aug-10 26-Oct-10 5-Nov-10 12-Dec-10

1,200,000,000 570,000,000 27,119,820 55,000,000 16,209,801,208 17,388,400 7,100,800 20,000,000 2,500,000,000 11,800,000,000 1,400,000,000

Tabel 1.8 / Table 1.8 Statistik Asuransi Gempa Bumi Indonesia 2010 17 | P a g e

Peta 1.2 / Map 1.2


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

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

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

Kejadian / Event Nama

Jenis

Name

Type

Bali Padang Nabire Aceh Cilegon Ambon Nias Padang Sibolga T BA T anjung Karang Sibolga Yogyakarta Pangandaran Jakarta Wonosari Pandeglang Manado Padang Bukittingggi Cipanas Jakarta Carita Jakarta Bengkulu Denpasar Painan Dompu Manokwari Painan Benkulu Padang Pekat Padang Rababima Lahat Sukabumi Bandung Gorontalo Aceh Manokwari T BA T BA Palu Padang T BA Padang T asikmalaya Nusa Dua Pariaman Kepahyang T BA Manokwari Ujung Kulon Bima Bali Sinabang Ketahun Banda Aceh Biak Panyabungan Sukabumi Bantul Merapi Merapi Makasar

Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Earthquake Volcano Eruption Volcano Eruption Earthquake

Tanggal Peristiwa Date of Occurance 2-Jan-04 16-Feb-04 26-Nov-04 26-Dec-04 15-Jan-05 2-Mar-05 28-Mar-05 10-Apr-05

12-May-06 19-May-06 27-May-06 17-Jul-06 19-Jul-06 22-Sep-06 24-Dec-06 21-Jan-07 6-Mar-07 13-Mar-07 27-Jul-07 9-Aug-07 10-Aug-07 26-Aug-07 12-Sep-07 8-Oct-07 24-Oct-07 25-Nov-07 7-Jan-08 25-Feb-08 3-Apr-08 28-Jul-08 7-Aug-08 8-Aug-08 28-Aug-08 9-Sep-08 10-Oct-08 11-Oct-08 17-Nov-08 21-Dec-08 4-Jan-09 26-Jan-09 10-Feb-09 2-Mar-09 16-Apr-09 8-May-09 16-Aug-09 2-Sep-09 19-Sep-09 30-Sep-09 1-Oct-09 9-Oct-09 15-Oct-09 16-Oct-09 9-Nov-09 12-Feb-10 7-Apr-10 5-May-10 9-May-10 16-Jun-10 24-Jul-10 12-Aug-10 22-Aug-10 26-Oct-10 5-Nov-10 12-Dec-10

Klaim Reported / Claim Reported Per 31 Desember /As At 31 December 2008

2009

4,070,000 12,402,600 3,299,345,206 612,226,619,221 780,267,740 348,125,037 2,608,811,120 1,399,712,953 95,000,000 800,000,000 33,575,300 255,920,900,053 2,418,989,460 257,918,125 97,589,358 16,477,760 428,830,661 47,672,720,251 22,500,000 5,641,754,146 14,271,971 75,203,058,711 32,543,000 12,906,700 15,000,000 1,922,050,000 2,511,494,000 50,000,000 55,416,667 10,475,000,000 450,000,000

821,873,750

2010

12,402,600 3,299,345,206 612,531,185,533 816,431,678 348,125,037 1,149,513,632 1,412,272,780

12,402,600 3,299,345,206 612,287,806,833 816,431,678 348,125,037 1,149,513,632 1,371,818,426

33,575,300 7,612,000 336,432,968,532 2,428,124,860 242,903,125 97,589,358 16,477,760 503,894,784 44,471,563,444 22,500,000 36,699,006 5,729,674,675 14,271,971 30,587,366 60,321,833,456 82,035,138 12,906,700 4,090,000 1,073,890,300 503,923,036 50,000,000 44,535,354 15,863,721,995 57,192,354 358,349,490 974,500 115,000,000

33,575,300 7,612,000 326,381,385,819 2,428,124,860 242,903,125 97,589,358 16,477,760 503,894,784 43,776,563,444 22,500,000 36,699,006 5,715,216,495 14,271,971 30,587,366 60,211,833,456 82,035,138 12,906,700 4,090,000 1,073,890,300 503,923,036 50,000,000 51,510,354 15,863,721,995 57,192,354 358,349,490 974,500 115,000,000 15,000,000 705,152,986 53,980,575 3,952,454,937 9,108,276,500 50,989,097 2,800,000 226,140,075 3,962,602,100 51,155,265,490 55,703,928,677 1,138,978,532 1,431,479,899,526 260,440,505 101,000,000 600,000,000 119,586,208 31,362,616,361 1,200,000,000 570,000,000 27,119,820 55,000,000 16,209,801,208 17,388,400 7,100,800 20,000,000 2,500,000,000 11,800,000,000 1,400,000,000

559,100,686 53,980,575 2,952,454,937

2,800,000 226,140,075 51,125,960,170 47,928,196,253 921,078,296 835,328,242,563 259,440,505

119,586,208 30,610,000,000

1,025,649,223,788.76

2,058,213,151,237.79

2,700,783,793,818.79

Tabel 1.9 / Table 1.9 Statistik Asuransi Gempa Bumi Indonesia 2010 19 | P a g e

Peta 1.3 / Map 1.3


NATIONAL AGGREGATE EXPOSURES BY CRESTA ZONE As At 31 December 2010 UY 2006 - 2010 Table 2.1

In IDR CRESTA ZONE

U/Y 2006 Amount

in %

U/Y 2007 Amount

in %

U/Y 2008 Amount

in %

U/Y 2009 Amount

in %

U/Y 2010 Amount

Banda Aceh

1.1

22,569,166,868,822.40

21,829,158,219,442.10

1,316,654,427,752.43

6,918,054,375,669.51

1,891,802,623,855.12

Medan

1.2

37,617,330,236,896.20

41,491,911,173,743.50

41,242,278,590,555.50

46,762,810,351,084.70

54,780,012,246,531.30

Others

1.3

20,678,831,468,324.10

19,207,622,907,380.10

14,381,585,861,026.80

24,487,220,594,367.70

34,918,365,296,264.00

North Sumatera

1

80,865,328,574,042.70

Padang

2.1

5,204,356,222,372.86

4,580,414,817,559.37

11,695,100,913,800.70

8,388,217,714,700.40

7,010,896,461,782.33

Palembang

2.2

31,833,164,966,942.80

29,779,872,114,681.10

10,210,882,485,514.90

13,447,474,256,560.00

6,560,167,368,263.47

Others

2.3

165,552,630,128,523.00

South Sumatera

2

202,590,151,317,839.00

5%

82,528,692,300,565.70

5%

131,307,350,669,547.00 14%

4%

154,822,444,406,968.00 11%

275,343,199,166,791.00

176,728,427,806,284.00

78,168,085,321,121.90

5%

152,072,062,476,687.00 12%

3.2

38,825,942,829,338.50

36,120,867,311,771.20

37,696,748,887,597.70

8,096,875,808,065.80

4,203,820,367,943.81

Others

3.3

374,265,624,404,141.00

390,367,676,604,497.00

385,740,243,794,205.00

526,689,503,499,524.00

425,005,164,490,209.00

687,253,227,081,434.00

Semarang

4.1

27,347,975,195,289.10

28,875,681,020,654.90

23,849,765,107,869.80

1,725,656,048,800.53

2,301,357,216,256.54

Yogyak arta

4.2

4,167,322,871,015.10

6,170,401,171,092.21

9,726,790,176,660.02

10,187,373,979,500.40

8,799,257,353,869.84

Others

4.3

96,711,484,252,553.40

91,083,142,188,995.80

61,930,900,105,091.90

88,961,561,212,763.70

65,951,759,645,443.20

9%

126,129,224,380,743.00

8%

737,822,164,570,985.00

95,507,455,389,621.70

49%

6%

889,098,581,289,786.00

100,874,591,241,065.00

8%

219,027,286,131,717.00

3

DIY & Central Java

47%

354,312,201,982,196.00

105,644,369,180,506.00

Bandung

701,831,743,083,059.00

7%

92,073,305,350,459.80 10%

3.1

46%

314,385,171,889,182.00

173,907,754,447,947.00

91,590,180,166,650.50

DKI Jak arta

DKI & West Java

274,161,659,847,955.00

165,667,637,601,787.00

56,940,518,879,334.70

in %

54%

6%

648,236,270,989,869.00

4

128,226,782,318,858.00

Surabaya

5.1

39,675,983,693,005.90

41,285,092,336,967.50

55,994,755,461,373.70

64,459,368,917,992.40

77,052,374,215,569.60 44,472,126,917,123.30

Others

5.2

170,639,788,931,756.00

192,692,923,378,552.00

184,875,899,782,467.00

171,289,135,997,750.00

149,971,052,030,810.00

52%

6%

East Java

5

210,315,772,624,762.00

14%

233,978,015,715,519.00

16%

240,870,655,243,840.00

16%

235,748,504,915,742.00

14%

194,443,178,947,933.00

15%

Kalimantan

6

156,807,222,166,788.00

10%

137,011,523,055,774.00

9%

89,137,704,230,467.40

6%

81,782,029,915,131.90

5%

65,165,468,462,919.10

5%

Ujung Pandang

7.1

10,208,912,367,067.80

13,980,868,660,858.50

12,113,850,194,870.70

15,803,968,361,389.80

5,854,102,166,121.34

Others

7.2

43,973,696,185,745.10

40,389,885,457,778.20

43,567,528,689,738.40

34,674,753,853,512.60

32,376,976,117,005.40

Sulawesi

7

Other Island

8 T OT A L

54,182,608,552,812.90 36,466,817,377,761.50 1,556,707,910,014,300.00

4% 2% 104%

54,370,754,118,636.70 43,662,140,771,668.80 1,545,179,731,027,750.00

4% 3% 103%

55,681,378,884,609.10 45,782,682,572,043.30 1,498,470,987,577,180.00

4% 3% 100%

50,478,722,214,902.40 51,715,917,477,664.20 1,661,774,186,823,360.00

3% 3% 100%

38,231,078,283,126.70 37,509,531,688,457.80 1,257,872,451,935,030.00

3% 3% 100%



NATIONAL AGGREGATE EXPOSURES PER UNDERWRITING YEAR BY OCCUPATION As At 31 December 2010 Table 2. 2

Description

U /Y 2006

In %

U /Y 2007

In %

U /Y 2008

In %

U /Y 2009

In %

U /Y 2010

In IDR In %

Agricultural

9,824,395,951,772.66

1%

10,211,819,020,041.90

1%

16,530,290,636,233.00

1%

16,716,518,222,791.10

1%

8,505,793,360,384.54

1%

Commercial

349,836,538,493,760.00

22%

315,676,977,993,541.00

20%

367,011,211,280,730.00

24%

386,202,430,066,016.00

23%

238,736,981,765,107.00

19%

1,136,894,743,473,160.00

73%

1,101,360,937,344,200.00

71%

955,167,321,541,285.00

64%

1,045,445,439,419,610.00

63%

858,545,357,028,181.00

68%

60,152,232,095,605.40

4%

117,929,996,669,970.00

8%

159,762,164,118,938.00

11%

213,409,799,114,943.00

13%

152,084,319,781,360.00

12%

Industrial Residential TOTAL

1,556,707,910,014,300.00

1,545,179,731,027,750.00

1,498,470,987,577,190.00

1,661,774,186,823,360.00

1,257,872,451,935,030.00


Grafik 2.2


NATIONAL AGGREGATE EXPOSURES BY INTEREST As At 31 December 2010 Table 2. 3

In IDR Description

U /Y 2006

U /Y 2007

U /Y 2008

U /Y 2009

U /Y 2010

Building

755,115,600,308,734.00

750,839,216,367,530.00

617,063,576,693,248.00

774,031,679,987,706.00

493,561,223,915,998.00

Machinery

288,081,956,156,341.00

284,630,996,158,403.00

261,865,564,900,676.00

305,257,435,578,655.00

290,286,661,866,800.00

Stock

113,244,933,737,820.00

135,132,101,031,623.00

167,284,427,432,798.00

188,158,164,042,138.00

138,216,293,515,115.00

Others

269,165,148,284,513.00

258,372,153,898,651.00

308,320,218,663,630.00

228,457,623,098,487.00

13,496,187,723,501.60

1,425,607,638,487,410.00

1,428,974,467,456,210.00

1,354,533,787,690,350.00

1,495,904,902,706,990.00

935,560,367,021,415.00

131,100,271,526,892.00

116,205,263,571,546.00

143,937,199,886,834.00

165,869,284,116,375.00

322,312,084,913,617.00

1,556,707,910,014,300.00

1,545,179,731,027,750.00

1,498,470,987,577,190.00

1,661,774,186,823,360.00

1,257,872,451,935,030.00

SU B TOTAL Business Interruption T OT A L


Grafik 2.3


NATIONAL AGGREGATE EXPOSURES PER PROVINCE As At 31 December 2010 UY 2006 - 2010 Table 2.4

In IDR PROVINCE

1 Nanggroe Aceh Darussalam 2 Sumatera Utara 3 Sumatera Barat 4 Riau 5 Jambi 6 Sumatera Selatan 7 Bengkulu 8 Lampung 9 Kepulauan Bangka Belitung 10 Kepulauan Riau 11 DKI Jakarta 12 Jawa Barat 13 Jawa Tengah 14 DI. Yogyakarta 15 Jawa Timur 16 Banten 17 Bali 18 Kalimantan Barat 19 Kalimantan Tengah 20 Kalimantan Selatan 21 Kalimantan Timur 22 Sulawesi Utara 23 Sulawesi Tengah 24 Sulawesi Selatan 25 Sulawesi Tenggara 26 Gorontalo 27 Sulawesi Barat 28 Nusa Tenggara Barat 29 Nusa Tenggara Timur 30 Maluku 31 Maluku Utara 32 Papua Barat 33 Papua

T OTAL

U/Y 2006 Amount 23,226,734,428,292.60 57,638,594,145,750.10 11,898,934,066,304.20 106,499,702,152,902.00 4,361,075,089,513.17 50,246,067,601,203.30 1,090,893,435,086.82 14,985,137,112,795.40 926,110,341,839.00 12,582,231,518,194.90 274,161,659,847,955.00 257,197,851,897,652.00 123,694,188,528,678.00 4,532,593,790,180.10 210,315,772,624,762.00 155,893,715,335,827.00 23,089,121,880,416.20 1,757,378,625,658.14 2,836,774,431,459.73 16,308,099,787,018.70 135,904,969,322,652.00 4,026,103,503,694.15 928,176,570,842.90 14,738,427,907,019.00 34,028,952,283,149.30 415,220,424,998.50 45,727,863,109.00 1,693,611,297,811.70 574,900,145,640.14 846,941,478,263.00 46,800,369,415.00 923,962,125,328.00 9,291,480,080,887.44

1,556,707,910,014,300.00

in %

U/Y 2007 Amount

in %

1.5% 3.7% 0.8% 6.8% 0.3% 3.2% 0.1% 1.0% 0.1% 0.8% 17.6% 16.5% 7.9% 0.3% 13.5% 10.0% 1.5% 0.1% 0.2% 1.0% 8.7% 0.3% 0.1% 0.9% 2.2% 0.0% 0.0% 0.1% 0.0% 0.1% 0.0% 0.1% 0.6%

25,067,606,616,830.60 57,461,085,683,735.10 9,159,332,879,094.17 70,170,739,998,165.20 3,654,737,611,775.51 46,664,007,286,698.40 2,102,252,187,446.85 17,802,501,635,466.50 386,365,035,378.09 15,727,700,967,762.40 275,343,199,166,791.00 277,460,313,671,424.00 119,494,459,409,153.00 6,634,764,971,590.11 233,978,015,715,519.00 149,028,230,244,844.00 26,216,804,932,687.90 1,886,808,745,799.60 2,795,532,471,716.80 21,221,553,552,853.30 111,107,628,285,404.00 4,399,870,047,396.53 1,407,884,361,433.30 19,270,040,117,111.90 28,723,282,026,764.90 487,995,231,646.13 81,682,334,284.00 3,118,727,846,608.99 471,547,382,594.06 427,742,017,694.67 609,678,938,829.00 973,745,512,641.27 11,843,894,140,612.90

1.6% 3.7% 0.6% 4.5% 0.2% 3.0% 0.1% 1.2% 0.0% 1.0% 17.8% 18.0% 7.7% 0.4% 15.1% 9.6% 1.7% 0.1% 0.2% 1.4% 7.2% 0.3% 0.1% 1.2% 1.9% 0.0% 0.0% 0.2% 0.0% 0.0% 0.0% 0.1% 0.8%

1,545,179,731,027,750.00

U/Y 2008 Amount 4,775,381,713,880.33 52,165,137,165,454.40 17,053,948,628,949.30 73,765,720,438,904.60 4,526,903,777,688.44 30,057,458,689,750.50 2,903,347,800,341.90 30,019,440,037,886.20 2,482,014,225,997.76 15,919,594,206,765.00 314,385,171,889,182.00 266,981,530,229,650.00 84,787,088,913,175.60 10,720,366,476,445.80 240,870,655,243,840.00 156,455,462,452,153.00 35,336,165,100,081.90 2,942,734,748,315.40 3,399,965,007,227.69 34,654,652,936,264.30 48,140,351,538,660.00 4,725,608,452,572.56 1,497,348,558,378.24 18,340,658,610,422.00 30,380,440,277,099.40 608,002,629,532.02 129,320,356,605.00 2,295,971,496,998.31 622,671,480,322.11 402,665,793,048.87 547,119,371,532.62 1,160,235,542,980.17 5,417,853,787,079.27

1,498,470,987,577,180.00

in %

U/Y 2009 Amount

in %

0.3% 3.5% 1.1% 4.9% 0.3% 2.0% 0.2% 2.0% 0.2% 1.1% 21.0% 17.8% 5.7% 0.7% 16.1% 10.4% 2.4% 0.2% 0.2% 2.3% 3.2% 0.3% 0.1% 1.2% 2.0% 0.0% 0.0% 0.2% 0.0% 0.0% 0.0% 0.1% 0.4%

9,108,792,040,652.71 69,059,293,280,469.20 14,087,165,268,234.10 43,649,530,670,496.50 30,896,447,158,505.60 32,658,833,149,880.30 3,070,867,858,654.51 28,151,691,053,966.80 4,000,991,490,873.36 17,392,227,797,336.20 354,312,201,982,196.00 350,207,690,127,578.00 89,525,091,245,544.90 11,349,499,995,519.70 235,748,504,915,742.00 184,578,689,180,011.00 43,198,744,233,608.60 4,144,474,024,689.69 5,118,851,373,921.43 22,670,973,901,181.60 49,847,730,615,339.10 7,351,890,628,929.75 1,360,609,961,354.86 22,136,397,054,804.80 8,216,594,211,086.21 10,841,736,749,993.80 571,493,608,733.00 2,376,215,918,480.31 745,902,571,907.34 700,840,472,836.88 451,545,647,594.64 1,296,482,577,033.31 2,946,186,056,203.18

0.5% 4.2% 0.8% 2.6% 1.9% 2.0% 0.2% 1.7% 0.2% 1.0% 21.3% 21.1% 5.4% 0.7% 14.2% 11.1% 2.6% 0.2% 0.3% 1.4% 3.0% 0.4% 0.1% 1.3% 0.5% 0.7% 0.0% 0.1% 0.0% 0.0% 0.0% 0.1% 0.2%

1,661,774,186,823,360.00

U/Y 2010 Amount 10,821,627,048,970.20 80,768,553,117,680.40 12,092,836,055,137.00 23,242,642,501,662.20 3,208,538,432,326.63 23,451,600,109,437.10 2,259,277,989,554.97 22,463,858,951,963.80 1,320,488,241,757.04 17,605,126,898,666.90 219,027,286,131,717.00 244,107,219,731,849.00 67,150,018,156,508.20 9,902,356,059,061.34 194,443,178,947,933.00 185,101,765,126,304.00 30,622,409,895,444.90 2,584,879,467,102.54 4,438,973,452,703.50 13,101,042,340,038.20 45,040,573,203,074.80 4,960,165,658,102.92 894,770,661,471.07 11,911,611,985,751.70 8,368,040,895,599.06 11,435,069,590,236.90 661,419,491,965.00 1,953,906,155,466.02 648,809,262,105.34 751,409,869,387.00 241,368,119,544.00 1,172,439,688,725.35 2,119,188,697,785.20

in % 0.9% 6.4% 1.0% 1.8% 0.3% 1.9% 0.2% 1.8% 0.1% 1.4% 17.4% 19.4% 5.3% 0.8% 15.5% 14.7% 2.4% 0.2% 0.4% 1.0% 3.6% 0.4% 0.1% 0.9% 0.7% 0.9% 0.1% 0.2% 0.1% 0.1% 0.0% 0.1% 0.2%

1,257,872,451,935,030.00


NATIONAL GROSS PREMIUM INCOME As At 31 December 2010 Table 3. 1

In IDR U /Y 2006 Amount

CRESTA Z ONE

in %

U /Y 2007 Amount

in %

U /Y 2008 Amount

in %

U /Y 2009 Amount

in %

U /Y 2010 Amount

Banda Aceh

1.1

26,047,359,397.62

25,909,471,411.99

1,633,212,227.91

8,336,561,357.51

3,252,594,705.47

Medan

1.2

43,648,822,691.12

49,465,526,367.17

49,482,479,802.54

53,580,908,151.83

65,478,547,293.14

Others

1.3

23,629,609,941.53

North Sumatera

20,624,825,330.57

2.1

5,903,395,513.79

5,045,436,716.31

14,188,136,851.25

10,758,847,004.32

11,402,263,903.85

Palembang

2.2

34,182,503,272.76

31,921,437,867.05

11,887,897,015.44

14,780,641,985.75

6,435,991,581.70

Others

2.3

165,105,818,473.32

142,310,247,751.80 12%

179,277,122,335.16

68,626,860,183.32

4%

191,800,914,429.37 10%

217,876,948,296.06

89,388,461,544.02

44,242,571,769.80

Padang

205,191,717,259.88

5%

27,470,992,034.68

93,325,792,030.27

2

95,999,823,109.74

17,511,168,152.87

1

South Sumatera

5%

5%

164,969,175,993.51 11%

190,508,664,983.57

112,973,713,768.41

123,474,378,499.62

3.1

333,909,353,813.49

353,232,753,109.18

427,031,595,466.45

449,633,756,079.07

304,815,790,588.92

Bandung

3.2

45,003,062,272.65

46,239,210,283.49

49,306,236,246.55

10,206,208,333.13

6,199,686,624.08

Others

3.3

411,175,670,951.16

454,097,781,098.80 853,569,744,491.47

482,677,295,487.04 46%

Semarang

4.1

32,153,181,220.06

38,567,608,291.06

29,638,965,669.74

1,919,961,083.94

2,726,662,548.14

Yogyak arta

4.2

5,275,191,705.59

6,196,237,040.52

11,174,483,923.11

13,378,623,995.01

12,056,113,607.10

Others

4.3

111,808,136,692.16

109,214,426,456.68

98,710,889,428.68

98,960,782,914.63

46,330,550,864.71

51,611,466,765.55

66,520,598,249.89

77,663,819,083.90

54,240,738,987.95

Others

5.2

199,962,617,006.28

238,681,318,292.45

239,049,694,352.77

195,878,256,089.67

175,946,029,010.04

246,293,167,870.99 182,645,063,013.32

14% 10%

290,292,785,058.00 164,606,620,492.50

114,259,367,993.58

6%

94,593,687,633.57

305,570,292,602.66

16%

273,542,075,173.57

14%

230,186,767,997.99

14%

9%

110,130,938,923.04

6%

87,631,548,326.48

4%

75,558,884,269.61

5%

7.1

12,031,171,689.84

17,076,590,754.78

16,842,835,487.95

18,232,557,451.13

6,169,779,809.90

Others

7.2

47,684,729,369.40

48,178,670,018.59

52,376,791,425.48

45,206,683,196.60

43,201,382,115.30

7

Other Island

8 T O T A L

59,715,901,059.24 43,751,946,808.97 1,770,248,184,697.77

3% 2% 100%

65,255,260,773.37 55,524,373,105.83 1,858,504,001,154.33

6%

16%

U jung Pandang

Sulawesi

55%

79,810,911,478.33

5.1

6

7%

889,357,589,496.32

Surabaya

5

139,524,339,021.54

55%

149,236,509,617.80

Kalimantan

8%

1,065,701,606,107.98

4

East Java

153,978,271,788.26

50%

8%

578,342,112,283.32

790,088,087,037.30

8%

959,015,127,200.04

605,861,641,695.78

3

DIY & Central Java

45%

7%

105,636,123,014.07 10%

DKI Jak arta

DKI & West Java

in %

4%

69,219,626,913.43

4%

63,439,240,647.73

3%

49,371,161,925.20

3%

3%

60,085,621,839.87

3%

63,462,904,932.85

3%

51,107,824,682.96

3%

100%

1,930,049,754,979.95

100%

1,947,933,869,709.78

100%

1,626,624,008,273.67

100%



NATIONAL GROSS PREMIUM INCOME BY OCCUPATION As At 31 December 2010 Table 3.2

Description

U/Y 2006

In %

Agricultural

10,310,523,892.56

0.58%

Commercial

428,774,412,408.44

24.22%

1,253,016,048,079.87

70.78%

Industrial Residential TOTAL

78,147,200,316.90

4.41%

1,770,248,184,697.77 100.00%

U/Y 2007 9,952,239,151.16

In %

U/Y 2008

In %

U/Y 2009

In %

U/Y 2010

In IDR In %

9,947,361,525.15

0.61%

0.54%

17,853,970,313.00

0.93%

17,316,919,730.12

0.89%

394,319,911,125.26

21.22%

458,875,278,109.59

23.78%

468,261,708,743.50

24.04%

314,519,779,670.84

19.34%

1,301,759,798,952.27

70.04%

1,237,315,514,367.06

64.11%

1,183,761,533,739.69

60.77%

1,090,477,667,083.23

67.04%

216,004,992,190.32

11.19%

278,593,707,496.46

14.30%

211,679,199,994.45

13.01%

152,472,051,925.65

8.20%

1,858,504,001,154.34 100.00%

1,930,049,754,979.96 100.00%

1,947,933,869,709.77 100.00%

1,626,624,008,273.68 100.00%


Grafik 3.2


NATIONAL GROSS PREMIUM INCOME BY PROVINCE As At 31 December 2010 Table 3. 3

In IDR CRESTA Z ONE

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33

Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Jambi Sumatera Selatan Bengkulu Lampung Kepulauan Bangka Belitung Kepulauan Riau DKI Jakarta Jawa Barat Jawa Tengah DI. Yogyakarta Jawa Timur Banten Bali Kalimantan Barat Kalimantan Tengah Kalimantan Selatan Kalimantan Timur Sulawesi Utara Sulawesi Tengah Sulawesi Selatan Sulawesi Tenggara Gorontalo Sulawesi Barat Nusa Tenggara Barat Nusa Tenggara Timur Maluku Maluku Utara Papua Barat Papua

T OT A L

U /Y 2006 Amount 26,797,305,865 66,528,486,166 13,121,728,330 103,014,127,964 4,451,887,149 54,983,393,591 1,243,033,617 15,867,158,544 678,063,868 11,832,324,198 333,909,353,813 285,327,303,419 143,560,326,375 5,676,183,242 246,293,167,871 170,851,429,804 27,034,283,739 1,654,555,517 19,094,558,775 2,777,407,404 159,118,541,317 4,156,300,551 1,003,521,113 17,141,773,753 36,895,660,996 465,586,472 53,058,175 1,965,128,943 655,814,349 986,082,778 51,224,417 1,039,504,362 12,019,908,221

1,770,248,184,698

in % 1.51% 3.76% 0.74% 5.82% 0.25% 3.11% 0.07% 0.90% 0.04% 0.67% 18.86% 16.12% 8.11% 0.32% 13.91% 9.65% 1.53% 0.09% 1.08% 0.16% 8.99% 0.23% 0.06% 0.97% 2.08% 0.03% 0.00% 0.11% 0.04% 0.06% 0.00% 0.06% 0.68%

U /Y 2007 Amount 28,766,132,771 67,233,690,339 10,456,938,700 73,555,875,638 4,062,470,579 51,469,895,695 2,371,733,996 20,422,833,882 473,816,312 16,463,557,533 353,232,753,109 326,321,800,081 147,233,545,766 6,744,726,022 290,292,785,058 174,015,191,301 33,225,595,154 1,815,776,261 25,171,350,957 2,776,692,803 134,842,800,472 5,212,146,274 1,572,492,218 23,364,556,640 34,445,329,668 574,726,744 86,009,229 3,819,458,263 530,989,714 534,203,329 706,339,837 1,168,851,802 15,538,935,007

1,858,504,001,154

in % 1.55% 3.62% 0.56% 3.96% 0.22% 2.77% 0.13% 1.10% 0.03% 0.89% 19.01% 17.56% 7.92% 0.36% 15.62% 9.36% 1.79% 0.10% 1.35% 0.15% 7.26% 0.28% 0.08% 1.26% 1.85% 0.03% 0.00% 0.21% 0.03% 0.03% 0.04% 0.06% 0.84%

U /Y 2008 Amount 6,284,555,330 62,342,304,854 20,578,637,600 94,742,815,513 5,024,001,413 35,475,006,932 6,069,043,956 35,128,549,440 3,339,985,692 17,518,907,751 427,031,595,466 337,069,150,173 126,933,736,297 12,590,602,724 305,570,292,603 194,914,381,561 47,325,927,080 3,267,491,343 45,855,519,607 3,601,507,355 57,406,420,618 5,830,623,837 1,836,516,146 24,325,199,371 36,384,856,367 724,536,285 117,894,907 2,916,190,174 736,295,154 506,962,476 733,657,069 1,376,092,964 6,490,496,922

1,930,049,754,980

in % 0.33% 3.23% 1.07% 4.91% 0.26% 1.84% 0.31% 1.82% 0.17% 0.91% 22.13% 17.46% 6.58% 0.65% 15.83% 10.10% 2.45% 0.17% 2.38% 0.19% 2.97% 0.30% 0.10% 1.26% 1.89% 0.04% 0.01% 0.15% 0.04% 0.03% 0.04% 0.07% 0.34%

U /Y 2009 Amount 9,523,150,176 79,865,311,368 17,843,589,383 44,411,669,817 33,238,046,119 37,426,958,534 5,465,170,718 30,701,999,510 4,231,379,821 17,189,851,081 449,633,756,079 399,063,745,609 99,503,324,248 14,756,043,746 273,542,075,174 217,004,104,420 53,092,930,676 4,165,467,444 24,416,844,776 5,438,352,968 53,610,883,138 10,734,766,959 1,550,799,069 25,665,891,137 8,811,497,292 16,025,166,557 651,119,634 2,702,573,304 884,930,169 876,822,476 571,619,228 1,617,177,291 3,716,851,789

1,947,933,869,710

in % 0.49% 4.10% 0.92% 2.28% 1.71% 1.92% 0.28% 1.58% 0.22% 0.88% 23.08% 20.49% 5.11% 0.76% 14.04% 11.14% 2.73% 0.21% 1.25% 0.28% 2.75% 0.55% 0.08% 1.32% 0.45% 0.82% 0.03% 0.14% 0.05% 0.05% 0.03% 0.08% 0.19%

U /Y 2010 Amount 13,787,406,619 99,186,307,149 19,371,814,521 25,527,922,274 3,154,789,784 26,716,875,250 4,486,104,346 28,992,109,043 1,260,898,003 13,963,865,280 304,815,790,589 321,467,579,005 81,030,201,246 13,563,486,387 230,186,767,998 263,074,219,903 41,227,512,122 2,218,351,986 12,779,467,839 3,783,872,862 56,777,191,583 8,080,129,980 1,284,245,018 12,816,622,938 9,483,920,262 17,232,674,513 473,569,216 2,642,783,506 972,714,288 1,407,852,241 413,705,822 1,677,986,228 2,765,270,476

1,626,624,008,274


in % 0.85% 6.10% 1.19% 1.57% 0.19% 1.64% 0.28% 1.78% 0.08% 0.86% 18.74% 19.76% 4.98% 0.83% 14.15% 16.17% 2.53% 0.14% 0.79% 0.23% 3.49% 0.50% 0.08% 0.79% 0.58% 1.06% 0.03% 0.16% 0.06% 0.09% 0.03% 0.10% 0.17%

NUMBER OF RISKS BY CRESTA As At 31 December 2010 Table 4.1

CRESTA ZONE

U/Y 2006

U/Y 2007

U/Y 2008

U/Y 2009

U/Y 2010

Banda Aceh

1.1

299

450

578

532

350

Medan

1.2

2,866

2,995

4,270

4,294

3,266

Others

1.3

1,073

1,276

2,404

2,434

2,336

1

4,238

4,721

7,252

7,260

5,952

Padang

2.1

2,022

2,764

3,938

3,703

5,410

Palembang

2.2

818

1,113

1,355

1,200

694

Others

2.3

5,006

5,747

11,481

8,905

8,542

2

7,846

9,624

16,774

13,808

14,646

North Sumatera

South Sumatera DKI Jakarta

3.1

22,514

24,635

26,403

28,532

21,640

Bandung

3.2

3,022

3,638

4,395

1,157

1,188

Others

3.3

13,199

14,710

19,471

24,348

20,307

3

38,735

42,983

50,269

54,037

43,135

DKI & West Java Semarang

4.1

1,570

1,924

2,300

416

120

Yogyakarta

4.2

1,383

1,714

1,815

1,983

1,551

Others

4.3

2,982

3,798

6,576

7,282

5,783

4

5,935

7,436

10,691

9,681

7,454

Surabaya

5.1

2,910

3,336

4,158

4,497

3,726

Others

5.2

3,176

3,756

5,635

5,641

3,962

East Java

5

6,086

7,092

9,793

10,138

7,688

Kalimantan

6

1,843

2,119

3,882

3,375

2,857

DIY & Central Java

Ujung Pandang

7.1

766

890

1,219

1,188

734

Others

7.2

1,453

2,211

3,936

2,353

2,376

Sulawesi

7

2,219

3,101

5,155

3,541

3,110

Other Island

8

4,709

5,806

7,662

8,487

7,033

71,611

82,882

111,478

110,327

91,875

T OTAL *) Figure above excluding undefined multi location risks


Grafik 4.1


NUMBER OF RISK BY OCCUPATION As At 31 December 2010 Table 4.2

Description

U/Y 2006

In %

U/Y 2007

In %

U/Y 2008

In %

U/Y 2009

In %

In IDR In %

U/Y 2010

Agricultural

464

0%

414

0%

626

1%

409

0%

228

0%

Commercial

38,231

34%

39,128

35%

65,009

58%

56,713

51%

46,101

50%

9,236

8%

11,746

11%

9,773

9%

11,791

11%

9,418

10%

Residential

23,680

21%

31,594

28%

36,070

32%

41,414

38%

36,128

39%

TOTAL

71,611

64%

82,882

74%

91,875

100%

Industrial

111,478 100%

110,327 100%

*) Figure above excluding undefined multi location risks


Grafik 4.2


CLAIM FREQUENCY BY OCCUPATION As At 31 December 2010 Table 5.1.1

Description

U/Y 2006

U/Y 2007

U/Y 2008

U/Y 2009

U/Y 2010

Agricultural

0

0

4

25

0

Commercial

308

256

541

1240

6

Industrial

21

9

14

20

1

Residential

55

108

211

726

2

384

373

770

2011

9

TOTAL


Grafik 5.1.1


CLAIM FREQUENCY BY CRESTA ZONE As At 31 December 2010 Table 5.1.2

CRESTA ZONE

U/Y 2006

U/Y 2007

U/Y 2008

U/Y 2009

U/Y 2010

Banda Aceh

1.1

0

0

0

0

0

Medan

1.2

0

0

2

1

0

Others

1.3

1

0

2

0

0

1

1

0

4

1

0

North Sumatera Padang

2.1

154

235

593

1,755

1

Palembang

2.2

0

0

0

0

0

Others

2.3

82

106

20

23

4

2

236

341

613

1,778

5

DKI Jakarta

3.1

16

11

50

70

0

Bandung

3.2

2

6

3

3

0

Others

3.3

7

6

79

141

0

25

23

132

214

0

South Sumatera

DKI & West Java

3

Semarang

4.1

0

0

0

0

0

Yogyakarta

4.2

86

1

0

0

1

Others

4.3

31

0

0

0

1

4

117

1

0

0

2

DIY & Central Java Surabaya

5.1

0

0

0

0

0

Others

5.2

0

0

0

0

0

East Java

5

0

0

0

0

0

Kalimantan

6

0

0

0

0

0

Ujung Pandang

7.1

0

0

0

0

1

Others

7.2

3

3

2

0

0

Sulawesi

7

3

3

2

0

1

Other Island

8

2

5

19

18

1

384

373

770

2,011

9

T OTAL


Grafik 5.1.2


CLAIMS AMOUNT BY OCCUPATION As At 31 December 2010 Table 5.2.1

Description

U/Y 2006

In %

Agricultural

-

0.00%

Commercial

56,856,434,549 91.51%

U/Y 2007

In % -

0.00%

81,383,984,808 93.80%

U/Y 2008 4,350,034,601

In % 0.95%

343,382,932,060 74.99%

Industrial

2,816,278,066

4.53%

2,557,615,685

2.95%

86,145,467,541 18.81%

Residential

2,461,200,287

3.96%

2,823,163,139

3.25%

24,018,247,041

TOTAL

62,133,912,902

86,764,763,632

457,896,681,243

5.25%

U/Y 2009 15,160,584,761

In % 1.32%

1,066,989,875,801 92.79% 4,199,598,300

0.37%

63,588,336,893

5.53%

1,149,938,395,756

In IDR In %

U/Y 2010 -

0.00%

16,560,000,000 53.22% 14,500,000,000 46.60% 58,043,775

0.19%

31,118,043,775


Grafik 5.2.1


Claims Amount by Cresta Zone As At 31 December 2010 Table 5. 2. 2

In IDR CRESTA Z ONE

U /Y 2006 Amount

in %

U /Y 2007 Amount

in %

U /Y 2008 Amount

in %

U /Y 2009 Amount

in %

U /Y 2010 Amount

in %

Banda Aceh

1.1

0

0

0

0

0

Medan

1.2

0

0

181,199,900

849,225,000

0

Others

1.3

38,868,000

0

4,016,582,675

0

0

1

38,868,000

North Sumatera

0.1%

0

0.0%

4,197,782,575

0.9%

849,225,000

0.1%

0

Padang

2.1

12,392,323,221

72,108,117,515

402,471,864,936

1,031,513,508,533

17,388,400

Palembang

2.2

0

0

0

0

0

Others

2.3

12,606,235,770

7,228,514,403

7,668,838,104

52,726,325,935

1,200,655,375

2

24,998,558,991

South Sumatera

40.2%

79,336,631,918

91.4%

410,140,703,040

89.6%

1,084,239,834,467

94.3%

1,218,043,775

DKI Jak arta

3.1

1,260,463,935

1,377,201,066

14,373,487,424

18,379,697,350

0

Bandung

3.2

29,532,220

3,021,060,461

109,403,316

13,826,230

0

Others

3.3

592,233,256

863,777,250

10,162,275,311

10,715,380,903

0

DKI & West Java

3

1,882,229,411

3.0%

5,262,038,777

6.1%

24,645,166,051

5.4%

29,108,904,483

2.5%

0

Semarang

4.1

0

0

0

0

0

Yogyak arta

4.2

31,246,937,696

300,000,000

0

0

2,500,000,000

Others

4.3

3,685,714,185

0

0

0

11,500,000,000

DIY & Central Java

4

34,932,651,881

56.2%

300,000,000

0.3%

0

0.0%

0

0.0%

14,000,000,000

0.0%

3.9%

0.0%

45.0%

Surabaya

5.1

0

0

0

0

0

Others

5.2

0

0

0

0

0

East Java

5

0

0.0%

0

0.0%

0

0.0%

0

0.0%

0

0.0%

Kalimantan

6

0

0.0%

0

0.0%

0

0.0%

0

0.0%

0

0.0%

U jung Pandang

7.1

0

0

0

0

1,400,000,000

Others

7.2

134,523,123

429,763,147

53,789,097

0

0

Sulawesi

7

134,523,123

0.2%

429,763,147

0.5%

53,789,097

0.0%

0

0.0%

1,400,000,000

Other Island

8

147,081,496

0.2%

1,436,329,790

1.7%

18,859,240,480

4.1%

35,740,431,806

3.1%

14,500,000,000

T O T A L

62,133,912,902

86,764,763,632

457,896,681,243

1,149,938,395,756

31,118,043,775


4.5% 46.6%

Grafik 5.2.2


PT. Asuransi MAIPARK Indonesia

RISK & LOSS PROFILE UNDERWRITING YEAR OCCUPATION ZONE

: 2006 - 2010 : All : All

DATA POSITION FROM

01/01/2010

TO

31/12/2010

PROCESSING DATE

01/03/2011

Table 6.1 SUM INSURED (BAND) (In Million Rp.) BAND

(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)

GROSS PREMIUM (In Million Rp.)

PERCENTAGE BAND CUM. (d)/∑(d) ∑(f) ( f)

( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY

PERCENTAGE BAND CUM. (i)/∑(i) ∑(j) ( j)

( k)

1

0.00

50.00

47,377

47,377

10.12

10.12

12,709.40

12,709.40

0.14

0.14

2

50.00

100.00

29,555

76,932

6.31

16.43

3,638.88

16,348.29

0.04

0.18

3

100.00

200.00

49,729

126,661

10.62

27.05

9,888.86

26,237.15

0.11

0.29

4

200.00

300.00

37,672

164,333

8.05

35.10

11,500.50

37,737.65

0.13

0.41

5

300.00

500.00

51,190

215,523

10.93

46.03

24,435.47

62,173.12

0.27

0.68

6

500.00

750.00

52,321

267,844

11.18

57.21

39,543.07

101,716.19

0.43

1.11

7

750.00

1,000.00

29,891

297,735

6.38

63.60

32,157.13

133,873.32

0.35

1.47

8

1,000.00

1,500.00

39,255

336,990

8.38

71.98

55,757.72

189,631.03

0.61

2.08

9

1,500.00

2,000.00

20,184

357,174

4.31

76.29

41,248.59

230,879.62

0.45

2.53

10

2,000.00

2,500.00

15,231

372,405

3.25

79.54

40,216.49

271,096.11

0.44

2.97

11

2,500.00

3,000.00

9,731

382,136

2.08

81.62

31,546.15

302,642.27

0.35

3.31

12

3,000.00

4,000.00

14,050

396,186

3.00

84.62

57,153.47

359,795.74

0.63

3.94

13

4,000.00

5,000.00

8,819

405,005

1.88

86.51

46,647.32

406,443.05

0.51

4.45

14

5,000.00

7,500.00

14,525

419,530

3.10

89.61

103,279.20

509,722.25

1.13

5.58

15

7,500.00

10,000.00

7,740

427,270

1.65

91.26

77,928.07

587,650.32

0.85

6.43

16

10,000.00

20,000.00

14,407

441,677

3.08

94.34

232,849.27

820,499.59

2.55

8.98

17

20,000.00

50,000.00

12,310

453,987

2.63

96.97

445,589.07

1,266,088.66

4.88

13.86

18

50,000.00

100,000.00

5,829

459,816

1.25

98.21

483,813.44

1,749,902.10

5.30

19.16

19

100,000.00

500,000.00

6,504

466,320

1.39

99.60

1,626,899.25

3,376,801.35

17.81

36.97

20

500,000.00

1,853

468,173

0.40

100.00

4,369,382.81

7,746,184.15

47.84

1,387,175.66

9,133,359.82

15.19

UP

* ) Multilocation

f

F ∑(l)

(l)

(m)

INCURRED CLAIM (In Million Rp.)

PERCENTAGE BAND CUM. (m)/∑(m) ∑(n) ( n)

( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO

PERCENTAGE BAND CUM. (q)/∑(q) ∑(r) ( r)

( s)

PERCENTAGE BAND CUM. (p)/(h) (q)/(i) (t)

(u)

101 0 161 0

101

2.85

2.85

2,612.67

2,612.67

0.15

0.15

20.56

20.56

262

4.54

7.39

4,993.67

7,606.33

0.28

0.43

137.23

46.53

354 0 441 0

616

9.98

17.37

8,645.70

16,252.03

0.48

0.91

87.43

61.94

1,057

12.43

29.80

20,246.00

36,498.04

1.13

2.04

176.04

96.72

556 0 456 0

1,613

15.68

45.48

47,041.06

83,539.09

2.63

4.67

192.51

134.37

2,069

12.86

58.33

72,776.44

156,315.53

4.07

8.74

184.04

153.68

200 0 253 0

2,269

5.64

63.97

32,621.43

188,936.96

1.82

10.57

101.44

141.13

2,522

7.13

71.10

44,111.25

233,048.21

2.47

13.04

79.11

122.90

135 0 99 0

2,657

3.81

74.91

44,704.01

277,752.22

2.50

15.54

108.38

120.30

2,756

2.79

77.70

46,178.67

323,930.90

2.58

18.12

114.83

119.49

59 0 97 0

2,815

1.66

79.36

33,772.49

357,703.39

1.89

20.01

107.06

118.19

2,912

2.73

82.10

46,629.01

404,332.40

2.61

22.62

81.59

112.38

72 0 94 0

2,984

2.03

84.13

24,943.95

429,276.35

1.40

24.01

53.47

105.62

3,078

2.65

86.78

32,359.91

461,636.26

1.81

25.82

31.33

90.57

61 0 113 0

3,139

1.72

88.50

61,768.96

523,405.22

3.45

29.28

79.26

89.07

3,252

3.19

91.68

203,515.94

726,921.16

11.38

40.66

87.40

88.59

78 0 57 0

3,330

2.20

93.88

890,100.54

9.13

49.79

36.62

70.30

3,387

1.61

95.49

163,179.37 0.00 132,546.68 0.00

1,022,647.22

7.41

57.20

27.40

58.44

3,493

2.99

98.48

11.78

68.98

12.95

36.52

3,529

1.01

99.49

210,645.06 0.00 121,673.68 0.00

1,233,292.28

84.81

106 0 36 0

1,354,965.96

6.81

75.79

2.78

17.49

100.00

18

3547

0.51

100.00

432,885.84

1,787,851.80

24.21

100.00

31.21

19.57

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




: 2010 : All : All

DATA POSITION FROM

01/01/2010

TO

31/12/2010

PROCESSING DATE

01/03/2011


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)



( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)


(u)

1

0.00

50.00

5,696

5,696

6.20

6.20

388.46

388.46

0.02

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

5,733

11,429

6.24

12.44

740.38

1,128.84

0.05

0.07

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

10,122

21,551

11.02

23.46

2,397.15

3,525.99

0.15

0.22

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

7,757

29,308

8.44

31.90

2,780.80

6,306.79

0.17

0.39

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

10,739

40,047

11.69

43.59

5,807.11

12,113.90

0.36

0.74

2

2

22.22

22.22

58.04

58.04

0.19

0.19

1.00

0.48

6

500.00

750.00

10,716

50,763

11.66

55.25

9,078.52

21,192.42

0.56

1.30

0

2

0.00

22.22

0.00

58.04

0.00

0.19

0.00

0.27

7

750.00

1,000.00

7,156

57,919

7.79

63.04

9,008.71

30,201.13

0.55

1.86

0

2

0.00

22.22

0.00

58.04

0.00

0.19

0.00

0.19

8

1,000.00

1,500.00

8,500

66,419

9.25

72.29

13,663.56

43,864.69

0.84

2.70

0

2

0.00

22.22

0.00

58.04

0.00

0.19

0.00

0.13

9

1,500.00

2,000.00

4,206

70,625

4.58

76.87

9,556.64

53,421.33

0.59

3.28

3

5

33.33

55.56

2,500.00

2,558.04

8.03

8.22

26.16

4.79

10

2,000.00

2,500.00

3,352

73,977

3.65

80.52

9,712.68

63,134.01

0.60

3.88

0

5

0.00

55.56

0.00

2,558.04

0.00

8.22

0.00

4.05

11

2,500.00

3,000.00

1,956

75,933

2.13

82.65

7,027.87

70,161.88

0.43

4.31

0

5

0.00

55.56

0.00

2,558.04

0.00

8.22

0.00

3.65

12

3,000.00

4,000.00

2,881

78,814

3.14

85.78

12,933.91

83,095.79

0.80

5.11

0

5

0.00

55.56

0.00

2,558.04

0.00

8.22

0.00

3.08

13

4,000.00

5,000.00

1,624

80,438

1.77

87.55

9,452.48

92,548.26

0.58

5.69

0

5

0.00

55.56

0.00

2,558.04

0.00

8.22

0.00

2.76

14

5,000.00

7,500.00

2,863

83,301

3.12

90.67

22,601.39

115,149.65

1.39

7.08

0

5

0.00

55.56

0.00

2,558.04

0.00

8.22

0.00

2.22

15

7,500.00

10,000.00

1,339

84,640

1.46

92.13

15,199.08

130,348.73

0.93

8.01

1

6

11.11

66.67

60.00

2,618.04

0.19

8.41

0.39

2.01

16

10,000.00

20,000.00

2,603

87,243

2.83

94.96

47,529.62

177,878.35

2.92

10.94

0

6

0.00

66.67

0.00

2,618.04

0.00

8.41

0.00

1.47

17

20,000.00

50,000.00

2,171

89,414

2.36

97.32

88,258.43

266,136.78

5.43

16.36

0

6

0.00

66.67

0.00

2,618.04

0.00

8.41

0.00

0.98

18

50,000.00

100,000.00

983

90,397

1.07

98.39

88,612.14

354,748.92

5.45

21.81

1

7

11.11

77.78

2,500.00

5,118.04

8.03

16.45

2.82

1.44

19

100,000.00

500,000.00

1,157

91,554

1.26

99.65

308,740.46

663,489.38

18.98

40.79

1

8

11.11

88.89

11,500.00

16,618.04

36.96

53.40

3.72

2.50

20

500,000.00

321

91,875

0.35

100.00

804,813.93

1,468,303.32

49.48

90.27

0

8

0.00

88.89

0.00

16,618.04

0.00

53.40

0.00

1.13

158,320.69

1,626,624.01

9.73

100.00

1

9

11.11

100.00

14,500.00

31,118.04

46.60

100.00

9.16

1.91

UP

* ) Multilocation





: 2009 : All : All

DATA POSITION FROM

01/01/2009

TO

31/12/2010

PROCESSING DATE

01/03/2011

Table 6.3 SUM INSURED (BAND) (In Million Rp.) BAND FROM

NUMBER OF RISKS f

F ∑(d)

(d)

( e)

8,737

8,737

TO


PERCENTAGE BAND CUM. (d)/∑(d) ∑(f)

(h)

( i)

CLAIM FREQUENCY

PERCENTAGE BAND CUM. (i)/∑(i) ∑(j)


PERCENTAGE BAND CUM. (m)/∑(m) ∑(n)

LOSS RATIO

PERCENTAGE BAND CUM. (q)/∑(q) ∑(r)

(u)

329.82

329.82

5.52

9.50

3,388.45

5,621.51

0.29

0.49

426.07

381.81

11.04

20.54

5,727.65

11,349.16

0.50

0.99

240.46

294.46

13.97

34.51

15,173.69

26,522.85

1.32

2.31

580.88

410.16

1,031

16.76

51.27

33,566.28

60,089.12

2.92

5.23

604.75

500.04

269

1,300

13.38

64.64

48,703.42

108,792.55

4.24

9.46

541.30

517.70

1.51

114

1,414

5.67

70.31

19,131.63

127,924.18

1.66

11.12

227.08

434.53

0.69

2.20

122

1,536

6.07

76.38

27,909.54

155,833.72

2.43

13.55

207.44

363.30

53,109.21

0.52

2.73

71

1,607

3.53

79.91

22,869.99

178,703.71

1.99

15.54

223.88

336.48

9,881.47

62,990.68

0.51

3.23

53

1,660

2.64

82.55

27,208.76

205,912.47

2.37

17.91

275.35

326.89

80.66

7,734.29

70,724.97

0.40

3.63

23

1,683

1.14

83.69

17,946.13

223,858.60

1.56

19.47

232.03

316.52

3.28

83.94

14,168.49

84,893.47

0.73

4.36

48

1,731

2.39

86.08

26,038.15

249,896.76

2.26

21.73

183.78

294.37

94,769

1.96

85.90

11,041.50

95,934.97

0.57

4.92

30

1,761

1.49

87.57

16,384.60

266,281.36

1.42

23.16

148.39

277.56

3,650

98,419

3.31

89.21

25,083.39

121,018.35

1.29

6.21

45

1,806

2.24

89.81

19,685.01

285,966.37

1.71

24.87

78.48

236.30

10,000.00

1,827

100,246

1.66

90.86

17,654.63

138,672.99

0.91

7.12

33

1,839

1.64

91.45

30,372.83

316,339.21

2.64

27.51

172.04

228.12

10,000.00

20,000.00

3,625

103,871

3.29

94.15

56,485.68

195,158.66

2.90

10.02

56

1,895

2.78

94.23

137,081.19

453,420.40

11.92

39.43

242.68

232.33

17

20,000.00

50,000.00

3,072

106,943

2.78

96.93

105,577.70

300,736.36

5.42

15.44

38

1,933

1.89

96.12

146,751.36

600,171.77

12.76

52.19

139.00

199.57

18

50,000.00

100,000.00

1,369

108,312

1.24

98.17

110,665.22

411,401.58

5.68

21.12

16

1,949

0.80

96.92

19,388.45

619,560.22

1.69

53.88

17.52

150.60

19

100,000.00

500,000.00

1,571

109,883

1.42

99.60

385,438.89

796,840.47

19.79

40.91

49

1,998

2.44

99.35

140,256.46

759,816.68

12.20

66.07

36.39

95.35

20

500,000.00

444

110,327

0.40

100.00

859,194.92

1,656,035.39

44.11

85.01

8

2,006

0.40

99.75

65,211.40

825,028.08

5.67

71.75

7.59

49.82

291,898.48

1,947,933.87

14.99

100.00

5

2011

0.25

100.00

324,910.32

1,149,938.40

28.25

100.00

111.31

59.03

2

50.00

100.00

6,511

3

100.00

200.00

11,574

15,248

5.90

26,822

10.49

4

200.00

300.00

8,505

35,327

5

300.00

500.00

11,865

6

500.00

750.00

7

750.00

8

(m)

677.05

0.03

0.03

80

80

13.82

795.28

1,472.33

0.04

0.08

111

191

24.31

2,381.95

3,854.28

0.12

0.20

222

413

7.71

32.02

2,612.20

6,466.48

0.13

0.33

281

694

47,192

10.75

42.77

5,550.47

12,016.94

0.28

0.62

337

12,295

59,487

11.14

53.92

8,997.57

21,014.52

0.46

1.08

1,000.00

8,320

67,807

7.54

61.46

8,425.00

29,439.52

0.43

1,000.00

1,500.00

9,722

77,529

8.81

70.27

13,454.17

42,893.69

9

1,500.00

2,000.00

5,159

82,688

4.68

74.95

10,215.52

10

2,000.00

2,500.00

3,843

86,531

3.48

78.43

11

2,500.00

3,000.00

2,464

88,995

2.23

12

3,000.00

4,000.00

3,615

92,610

13

4,000.00

5,000.00

2,159

14

5,000.00

7,500.00

15

7,500.00

16

UP

* ) Multilocation

3.98

( s)

(t)

0.19

(l)

677.05

( r)

PERCENTAGE BAND CUM. (p)/(h) (q)/(i)

0.19

7.92

( o)

RP ∑(p) ( q)

7.92

( n)

rp

2,233.06

50.00

( k)

F ∑(l)

(p)

(c)

0.00

( j)

f

2,233.06

(b)

1

( g)

RP ∑(h)

3.98

(a)

( f)

rp





: 2008 : All : All

DATA POSITION FROM

01/01/2008

TO

31/12/2010

PROCESSING DATE

01/03/2011


NUMBER OF RISKS f

FROM

F ∑(d)

TO



rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


f

F ∑(l)



rp

RP ∑(p)

LOSS RATIO



( f)

( g)

(t)

(u)

1

0.00

50.00

15,088

15,088

13.53

13.53

632.00

632.00

0.03

0.03

7

7

0.91

0.91

78.46

78.46

0.02

0.02

12.41

12.41

2

50.00

100.00

9,212

24,300

8.26

21.80

1,285.75

1,917.75

0.07

0.10

28

35

3.64

4.55

1,145.30

1,223.75

0.25

0.27

89.08

63.81

3

100.00

200.00

12,459

36,759

11.18

32.97

2,492.24

4,409.99

0.13

0.23

76

111

9.87

14.42

1,943.05

3,166.80

0.42

0.69

77.96

71.81

4

200.00

300.00

8,744

45,503

7.84

40.82

2,580.54

6,990.53

0.13

0.36

93

204

12.08

26.49

3,581.75

6,748.55

0.78

1.47

138.80

96.54

5

300.00

500.00

11,153

56,656

10.00

50.82

5,224.25

12,214.78

0.27

0.63

105

309

13.64

40.13

9,379.13

16,127.68

2.05

3.52

179.53

132.03

6

500.00

750.00

13,319

69,975

11.95

62.77

10,087.12

22,301.90

0.52

1.16

88

397

11.43

51.56

19,066.59

35,194.27

4.16

7.69

189.02

157.81

7

750.00

1,000.00

6,339

76,314

5.69

68.46

6,627.33

28,929.23

0.34

1.50

34

431

4.42

55.97

11,334.92

46,529.19

2.48

10.16

171.03

160.84

8

1,000.00

1,500.00

7,558

83,872

6.78

75.24

11,122.42

40,051.65

0.58

2.08

58

489

7.53

63.51

10,798.23

57,327.43

2.36

12.52

97.09

143.13

9

1,500.00

2,000.00

4,186

88,058

3.76

78.99

8,581.37

48,633.03

0.44

2.52

36

525

4.68

68.18

17,180.06

74,507.49

3.75

16.27

200.20

153.20

10

2,000.00

2,500.00

3,090

91,148

2.77

81.76

8,207.18

56,840.20

0.43

2.95

23

548

2.99

71.17

15,566.77

90,074.25

3.40

19.67

189.67

158.47

11

2,500.00

3,000.00

2,018

93,166

1.81

83.57

6,640.78

63,480.99

0.34

3.29

18

566

2.34

73.51

13,432.35

103,506.61

2.93

22.60

202.27

163.05

12

3,000.00

4,000.00

2,843

96,009

2.55

86.12

11,636.44

75,117.43

0.60

3.89

22

588

2.86

76.36

15,765.98

119,272.58

3.44

26.05

135.49

158.78

13

4,000.00

5,000.00

1,912

97,921

1.72

87.84

10,353.12

85,470.55

0.54

4.43

19

607

2.47

78.83

6,405.24

125,677.82

1.40

27.45

61.87

147.04

14

5,000.00

7,500.00

3,038

100,959

2.73

90.56

22,006.28

107,476.84

1.14

5.57

24

631

3.12

81.95

5,518.35

131,196.17

1.21

28.65

25.08

122.07

15

7,500.00

10,000.00

1,721

102,680

1.54

92.11

17,716.12

125,192.95

0.92

6.49

15

646

1.95

83.90

29,347.55

160,543.72

6.41

35.06

165.65

128.24

16

10,000.00

20,000.00

3,079

105,759

2.76

94.87

50,311.11

175,504.07

2.61

9.09

37

683

4.81

88.70

57,636.81

218,180.53

12.59

47.65

114.56

124.32

17

20,000.00

50,000.00

2,635

108,394

2.36

97.23

99,387.16

274,891.23

5.15

14.24

15

698

1.95

90.65

7,412.16

225,592.69

1.62

49.27

7.46

82.07

18

50,000.00

100,000.00

1,259

109,653

1.13

98.36

110,133.35

385,024.58

5.71

19.95

17

715

2.21

92.86

98,398.70

323,991.39

21.49

70.76

89.35

84.15

19

100,000.00

500,000.00

1,442

111,095

1.29

99.66

379,798.95

764,823.53

19.68

39.63

32

747

4.16

97.01

46,864.93

370,856.32

10.23

80.99

12.34

48.49

20

500,000.00

383

111,478

0.34

100.00

892,368.75

1,657,192.28

46.24

85.86

18

765

2.34

99.35

56,213.03

427,069.36

12.28

93.27

6.30

25.77

272,857.47

1,930,049.75

14.14

100.00

5

770

0.65

100.00

30,827.32

457,896.68

6.73

100.00

11.30

23.72

(a)

(b)

(c)

UP

* ) Multilocation

(d)

( e)

( j)

( k)

(l)

( n)

(m)

( o)

( q)

(p)

( r)

( s)





: 2007 : All : All

DATA POSITION FROM

01/01/2007

TO

31/12/2010

PROCESSING DATE

01/03/2011

Table 6.5 SUM INSURED (BAND) (In Million Rp.) BAND FROM

NUMBER OF RISKS f

F ∑(d)

TO



rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


f

F ∑(l)



rp

RP ∑(p)

LOSS RATIO



(d)

( e)

(t)

(u)

1

0.00

50.00

6,808

6,808

8.21

8.21

314.67

314.67

0.02

0.02

3

3

0.80

0.80

62.89

62.89

0.07

0.07

19.99

19.99

2

50.00

100.00

4,208

11,016

5.08

13.29

456.22

770.89

0.02

0.04

5

8

1.34

2.14

66.34

129.23

0.08

0.15

14.54

16.76

3

100.00

200.00

8,724

19,740

10.53

23.82

1,502.28

2,273.17

0.08

0.12

23

31

6.17

8.31

271.57

400.80

0.31

0.46

18.08

17.63

4

200.00

300.00

6,967

26,707

8.41

32.22

1,984.88

4,258.05

0.11

0.23

37

68

9.92

18.23

732.24

1,133.04

0.84

1.31

36.89

26.61

5

300.00

500.00

9,516

36,223

11.48

43.70

4,368.45

8,626.50

0.24

0.46

64

132

17.16

35.39

2,237.24

3,370.28

2.58

3.88

51.21

39.07

6

500.00

750.00

9,002

45,225

10.86

54.57

6,594.12

15,220.62

0.35

0.82

54

186

14.48

49.87

2,301.56

5,671.84

2.65

6.54

34.90

37.26

7

750.00

1,000.00

4,616

49,841

5.57

60.13

4,769.45

19,990.07

0.26

1.08

24

210

6.43

56.30

648.59

6,320.42

0.75

7.28

13.60

31.62

8

1,000.00

1,500.00

8,005

57,846

9.66

69.79

10,322.32

30,312.39

0.56

1.63

40

250

10.72

67.02

2,257.91

8,578.33

2.60

9.89

21.87

28.30

9

1,500.00

2,000.00

3,760

61,606

4.54

74.33

7,526.48

37,838.87

0.40

2.04

15

265

4.02

71.05

1,475.99

10,054.32

1.70

11.59

19.61

26.57

10

2,000.00

2,500.00

2,770

64,376

3.34

77.67

7,157.67

44,996.54

0.39

2.42

12

277

3.22

74.26

908.58

10,962.90

1.05

12.64

12.69

24.36

11

2,500.00

3,000.00

1,833

66,209

2.21

79.88

5,875.65

50,872.18

0.32

2.74

9

286

2.41

76.68

1,187.58

12,150.48

1.37

14.00

20.21

23.88

12

3,000.00

4,000.00

2,588

68,797

3.12

83.01

10,509.45

61,381.64

0.57

3.30

13

299

3.49

80.16

3,123.33

15,273.81

3.60

17.60

29.72

24.88

13

4,000.00

5,000.00

1,719

70,516

2.07

85.08

9,018.51

70,400.15

0.49

3.79

9

308

2.41

82.57

759.92

16,033.73

0.88

18.48

8.43

22.78

14

5,000.00

7,500.00

2,760

73,276

3.33

88.41

19,316.09

89,716.24

1.04

4.83

13

321

3.49

86.06

1,743.24

17,776.97

2.01

20.49

9.02

19.81

15

7,500.00

10,000.00

1,662

74,938

2.01

90.42

16,441.16

106,157.40

0.88

5.71

1

322

0.27

86.33

37.93

17,814.90

0.04

20.53

0.23

16.78

16

10,000.00

20,000.00

2,726

77,664

3.29

93.70

44,031.35

150,188.75

2.37

8.08

9

331

2.41

88.74

2,273.52

20,088.41

2.62

23.15

5.16

13.38

17

20,000.00

50,000.00

2,415

80,079

2.91

96.62

86,340.94

236,529.68

4.65

12.73

13

344

3.49

92.23

6,592.94

26,681.36

7.60

30.75

7.64

11.28

18

50,000.00

100,000.00

1,223

81,302

1.48

98.09

100,299.42

336,829.10

5.40

18.12

9

353

2.41

94.64

4,892.99

31,574.35

5.64

36.39

4.88

9.37

19

100,000.00

500,000.00

1,233

82,535

1.49

99.58

310,233.85

647,062.96

16.69

34.82

13

366

3.49

98.12

4,806.45

36,380.80

5.54

41.93

1.55

5.62

20

500,000.00

347

82,882

0.42

100.00

887,425.51

1,534,488.47

47.75

82.57

3

369

0.80

98.93

106.18

36,486.98

0.12

42.05

0.01

2.38

324,015.53

1,858,504.00

17.43

100.00

4

373

1.07

100.00

50,277.79

86,764.76

57.95

100.00

15.52

4.67

(a)

(b)

(c)

UP

* ) Multilocation

( f)

( g)

( j)

( k)

(l)

( n)

(m)

( o)

( q)

(p)

( r)

( s)





: 2006 : All : All

DATA POSITION FROM

01/01/2006

TO

31/12/2010

PROCESSING DATE

01/03/2011

Table 6.1.1 SUM INSURED (BAND) (In Million Rp.) BAND

NUMBER OF RISKS f

FROM

F ∑(d)

TO

rp

RP ∑(h)



(p)

( q)

LOSS RATIO


(u)

15.43

10,697.22

10,697.22

0.60

0.60

11

11

2.86

2.86

238.26

238.26

0.38

0.38

2.23

2

50.00

100.00

3,891

14,939

5.43

20.86

361.26

11,058.48

0.02

0.62

17

28

4.43

7.29

393.58

631.84

0.63

1.02

108.95

5.71

3

100.00

200.00

6,850

21,789

9.57

30.43

1,115.24

12,173.72

0.06

0.69

33

61

8.59

15.89

703.43

1,335.28

1.13

2.15

63.07

10.97

4

200.00

300.00

5,699

27,488

7.96

38.39

1,542.08

13,715.80

0.09

0.77

30

91

7.81

23.70

758.32

2,093.60

1.22

3.37

49.18

15.26

5

300.00

500.00

7,917

35,405

11.06

49.44

3,485.20

17,200.99

0.20

0.97

48

139

12.50

36.20

1,800.36

3,893.96

2.90

6.27

51.66

22.64

6

500.00

750.00

6,989

42,394

9.76

59.20

4,785.74

21,986.73

0.27

1.24

45

184

11.72

47.92

2,704.86

6,598.82

4.35

10.62

56.52

30.01

7

750.00

1,000.00

3,460

45,854

4.83

64.03

3,326.63

25,313.37

0.19

1.43

28

212

7.29

55.21

1,506.30

8,105.12

2.42

13.04

45.28

32.02

8

1,000.00

1,500.00

5,470

51,324

7.64

71.67

7,195.24

32,508.61

0.41

1.84

33

245

8.59

63.80

3,145.57

11,250.69

5.06

18.11

43.72

34.61

9

1,500.00

2,000.00

2,873

54,197

4.01

75.68

5,368.58

37,877.19

0.30

2.14

10

255

2.60

66.41

677.97

11,928.67

1.09

19.20

12.63

31.49

10

2,000.00

2,500.00

2,176

56,373

3.04

78.72

5,257.49

43,134.69

0.30

2.44

11

266

2.86

69.27

2,494.56

14,423.23

4.01

23.21

47.45

33.44

11

2,500.00

3,000.00

1,460

57,833

2.04

80.76

4,267.56

47,402.25

0.24

2.68

9

275

2.34

71.61

1,206.43

15,629.66

1.94

25.15

28.27

32.97

12

3,000.00

4,000.00

2,123

59,956

2.96

83.72

7,905.17

55,307.42

0.45

3.12

14

289

3.65

75.26

1,701.55

17,331.21

2.74

27.89

21.52

31.34

13

4,000.00

5,000.00

1,405

61,361

1.96

85.69

6,781.71

62,089.13

0.38

3.51

14

303

3.65

78.91

1,394.19

18,725.40

2.24

30.14

20.56

30.16

14

5,000.00

7,500.00

2,214

63,575

3.09

88.78

14,272.05

76,361.17

0.81

4.31

12

315

3.13

82.03

5,413.31

24,138.70

8.71

38.85

37.93

31.61

15

7,500.00

10,000.00

1,191

64,766

1.66

90.44

10,917.07

87,278.25

0.62

4.93

11

326

2.86

84.90

1,950.65

26,089.35

3.14

41.99

17.87

29.89

16

10,000.00

20,000.00

2,374

67,140

3.32

93.76

34,491.51

121,769.76

1.95

6.88

11

337

2.86

87.76

6,524.42

32,613.77

10.50

52.49

18.92

26.78

17

20,000.00

50,000.00

2,017

69,157

2.82

96.57

66,024.85

187,794.61

3.73

10.61

12

349

3.13

90.89

2,422.90

35,036.68

3.90

56.39

3.67

18.66

18

50,000.00

100,000.00

995

70,152

1.39

97.96

74,103.30

261,897.91

4.19

14.79

14

363

3.65

94.53

7,366.54

42,403.22

11.86

68.24

9.94

16.19

19

100,000.00

500,000.00

1,101

71,253

1.54

99.50

242,687.09

504,585.00

13.71

28.50

11

374

2.86

97.40

7,217.22

49,620.44

11.62

79.86

2.97

9.83

20

500,000.00

358

71,611

0.50

100.00

925,579.70

1,430,164.70

52.29

80.79

7

381

1.82

99.22

143.07

49,763.51

0.23

80.09

0.02

3.48

340,083.49

1,770,248.18

19.21

100.00

3

384

0.78

100.00

12,370.41

62,133.91

19.91

100.00

3.64

3.51

UP

* ) Multilocation

( s)

(t)

( g)

15.43

(m)

( r)


( f)

(l)

( o)

RP ∑(p)

11,048

(h)

( n)

rp

11,048

(d)

( k)

F ∑(l)

50.00

(c)

( j)

f

0.00

(b)

( i)

CLAIM FREQUENCY


1

(a)

( e)



2.23





: 2010 : Agricultural : All

DATA POSITION FROM

01/01/2010

TO

31/12/2010

PROCESSING DATE

01/03/2011

Table 6.1.1.1 SUM INSURED (BAND) (In Million Rp.) BAND

NUMBER OF RISKS f

FROM (a)

F ∑(d)

TO

(b)

(c)

( e)

(d)



( g)

rp

RP ∑(h) ( i)

(h)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)



(m)

( o)

rp

RP ∑(p) ( q)

(p)

LOSS RATIO


( s)


(u)

1

0.00

50.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

9

9

3.95

3.95

1.26

1.26

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

12

21

5.26

9.21

3.72

4.97

0.04

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

10

31

4.39

13.60

4.53

9.50

0.05

0.10

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

5

36

2.19

15.79

5.90

15.40

0.06

0.15

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

7

43

3.07

18.86

7.19

22.59

0.07

0.23

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

21

64

9.21

28.07

33.52

56.11

0.34

0.56

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00

2,000.00

8

72

3.51

31.58

16.59

72.70

0.17

0.73

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00

2,500.00

10

82

4.39

35.96

29.88

102.58

0.30

1.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00

3,000.00

5

87

2.19

38.16

17.07

119.65

0.17

1.20

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00

4,000.00

11

98

4.82

42.98

43.60

163.25

0.44

1.64

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00

5,000.00

9

107

3.95

46.93

65.85

229.10

0.66

2.30

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00

7,500.00

18

125

7.89

54.82

73.50

302.60

0.74

3.04

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00

10,000.00

10

135

4.39

59.21

101.64

404.24

1.02

4.06

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00

20,000.00

16

151

7.02

66.23

307.97

712.21

3.10

7.16

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00

50,000.00

31

182

13.60

79.82

1,165.43

1,877.64

11.72

18.88

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00

100,000.00

17

199

7.46

87.28

1,316.52

3,194.16

13.23

32.11

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00

500,000.00

27

226

11.84

99.12

4,776.96

7,971.12

48.02

80.13

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

2

228

0.88

100.00

1,969.05

9,940.17

19.79

99.93

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7.19

9,947.36

0.07

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

UP

* ) Multilocation





: 2010 : Commercial : All

DATA POSITION FROM

01/01/2010

TO

31/12/2010

PROCESSING DATE

01/03/2011


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)



( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)


(u)

1

0.00

50.00

3,723

3,723

8.08

8.08

125.24

125.24

0.04

0.04

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

2,204

5,927

4.78

12.86

228.95

354.19

0.07

0.11

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

4,533

10,460

9.83

22.69

983.55

1,337.74

0.31

0.43

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

3,148

13,608

6.83

29.52

1,132.61

2,470.35

0.36

0.79

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

4,733

18,341

10.27

39.78

2,616.45

5,086.80

0.83

1.62

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

5,647

23,988

12.25

52.03

4,893.16

9,979.95

1.56

3.17

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

4,644

28,632

10.07

62.11

6,081.48

16,061.44

1.93

5.11

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

4,858

33,490

10.54

72.64

7,928.82

23,990.26

2.52

7.63

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00

2,000.00

2,236

35,726

4.85

77.50

5,099.98

29,090.23

1.62

9.25

3

3

50.00

50.00

2,500.00

2,500.00

15.10

15.10

49.02

8.59

10

2,000.00

2,500.00

1,838

37,564

3.99

81.48

5,362.75

34,452.99

1.71

10.95

0

3

0.00

50.00

0.00

2,500.00

0.00

15.10

0.00

7.26

11

2,500.00

3,000.00

1,040

38,604

2.26

83.74

3,761.34

38,214.33

1.20

12.15

0

3

0.00

50.00

0.00

2,500.00

0.00

15.10

0.00

6.54

12

3,000.00

4,000.00

1,595

40,199

3.46

87.20

7,183.90

45,398.23

2.28

14.43

0

3

0.00

50.00

0.00

2,500.00

0.00

15.10

0.00

5.51

13

4,000.00

5,000.00

853

41,052

1.85

89.05

4,939.97

50,338.20

1.57

16.00

0

3

0.00

50.00

0.00

2,500.00

0.00

15.10

0.00

4.97

14

5,000.00

7,500.00

1,568

42,620

3.40

92.45

12,371.88

62,710.09

3.93

19.94

0

3

0.00

50.00

0.00

2,500.00

0.00

15.10

0.00

3.99

15

7,500.00

10,000.00

629

43,249

1.36

93.81

7,134.69

69,844.77

2.27

22.21

1

4

16.67

66.67

60.00

2,560.00

0.36

15.46

0.84

3.67

16

10,000.00

20,000.00

1,254

44,503

2.72

96.53

23,139.96

92,984.74

7.36

29.56

0

4

0.00

66.67

0.00

2,560.00

0.00

15.46

0.00

2.75

17

20,000.00

50,000.00

891

45,394

1.93

98.47

37,145.55

130,130.29

11.81

41.37

0

4

0.00

66.67

0.00

2,560.00

0.00

15.46

0.00

1.97

18

50,000.00

100,000.00

354

45,748

0.77

99.23

33,066.76

163,197.04

10.51

51.89

1

5

16.67

83.33

2,500.00

5,060.00

15.10

30.56

7.56

3.10

19

100,000.00

500,000.00

294

46,042

0.64

99.87

73,720.70

236,917.75

23.44

75.33

1

6

16.67

100.00

11,500.00

16,560.00

69.44

100.00

15.60

6.99

20

500,000.00

59

46,101

0.13

100.00

70,303.34

307,221.09

22.35

97.68

0

6

0.00

100.00

0.00

16,560.00

0.00

100.00

0.00

5.39

7,298.69

314,519.78

2.32

100.00

0

6

0.00

100.00

0.00

16,560.00

0.00

100.00

0.00

5.27

UP

* ) Multilocation





: 2010 : Industrial : All

DATA POSITION FROM

01/01/2010

TO

31/12/2010

PROCESSING DATE

01/03/2011


NUMBER OF RISKS f

FROM (a)

F ∑(d)

TO

(b)

(c)

(d)

( e)



( g)

rp

RP ∑(h) ( i)

(h)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)



(m)

( o)

rp

RP ∑(p) ( q)

(p)

LOSS RATIO


( s)


(u)

1

0.00

50.00

289

289

3.07

3.07

9.38

9.38

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

205

494

2.18

5.25

25.45

34.83

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

335

829

3.56

8.80

81.09

115.92

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

289

1,118

3.07

11.87

102.60

218.52

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

597

1,715

6.34

18.21

304.07

522.59

0.03

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

507

2,222

5.38

23.59

424.98

947.58

0.04

0.09

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

380

2,602

4.03

27.63

456.71

1,404.29

0.04

0.13

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

594

3,196

6.31

33.94

944.71

2,348.99

0.09

0.22

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00

2,000.00

461

3,657

4.89

38.83

1,114.18

3,463.18

0.10

0.32

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00

2,500.00

400

4,057

4.25

43.08

1,179.91

4,643.09

0.11

0.43

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00

3,000.00

300

4,357

3.19

46.26

1,083.75

5,726.84

0.10

0.53

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00

4,000.00

427

4,784

4.53

50.80

1,965.53

7,692.38

0.18

0.71

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00

5,000.00

304

5,088

3.23

54.02

1,772.92

9,465.29

0.16

0.87

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00

7,500.00

660

5,748

7.01

61.03

5,308.67

14,773.96

0.49

1.35

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00

10,000.00

403

6,151

4.28

65.31

4,584.61

19,358.57

0.42

1.78

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00

20,000.00

910

7,061

9.66

74.97

16,509.93

35,868.50

1.51

3.29

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00

50,000.00

976

8,037

10.36

85.34

39,421.31

75,289.82

3.62

6.90

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00

100,000.00

495

8,532

5.26

90.59

43,104.77

118,394.58

3.95

10.86

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00

500,000.00

663

9,195

7.04

97.63

179,646.33

298,040.92

16.47

27.33

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

223

9,418

2.37

100.00

660,975.52

959,016.44

60.61

87.94

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

131,461.23

1,090,477.67

12.06

100.00

1

1

100.00

100.00

14,500.00

14,500.00

100.00

100.00

11.03

1.33

UP

* ) Multilocation





: 2010 : Residential : All

DATA POSITION FROM

01/01/2010

TO

31/12/2010

PROCESSING DATE

01/03/2011

Table SUM INSURED (BAND) (In Million Rp.) BAND FROM

NUMBER OF RISKS f

F ∑(d)

TO



(h)

( i)

CLAIM FREQUENCY




LOSS RATIO

PERCENTAGE BAND CUM. (q)/∑(q) ∑(r) ( s)

(u)

4.66

4.66

253.83

253.83

0.12

0.12

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

3,324

5,008

9.20

13.86

485.98

739.82

0.23

0.35

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

5,245

10,253

14.52

28.38

1,331.25

2,071.07

0.63

0.98

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

4,308

14,561

11.92

40.30

1,541.88

3,612.95

0.73

1.71

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

5,399

19,960

14.94

55.25

2,882.05

6,495.00

1.36

3.07

2

2

100.00

100.00

58.04

58.04

100.00

100.00

2.01

0.89

6

500.00

750.00

4,557

24,517

12.61

67.86

3,754.48

10,249.49

1.77

4.84

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.57

7

750.00

1,000.00

2,125

26,642

5.88

73.74

2,463.33

12,712.82

1.16

6.01

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.46

8

1,000.00

1,500.00

3,027

29,669

8.38

82.12

4,756.51

17,469.33

2.25

8.25

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.33

9

1,500.00

2,000.00

1,501

31,170

4.15

86.28

3,325.89

20,795.21

1.57

9.82

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.28

10

2,000.00

2,500.00

1,104

32,274

3.06

89.33

3,140.14

23,935.35

1.48

11.31

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.24

11

2,500.00

3,000.00

611

32,885

1.69

91.02

2,165.70

26,101.05

1.02

12.33

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.22

12

3,000.00

4,000.00

848

33,733

2.35

93.37

3,740.88

29,841.93

1.77

14.10

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.19

13

4,000.00

5,000.00

458

34,191

1.27

94.64

2,673.74

32,515.67

1.26

15.36

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.18

14

5,000.00

7,500.00

617

34,808

1.71

96.35

4,847.34

37,363.00

2.29

17.65

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.16

15

7,500.00

10,000.00

297

35,105

0.82

97.17

3,378.14

40,741.15

1.60

19.25

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.14

16

10,000.00

20,000.00

423

35,528

1.17

98.34

7,571.75

48,312.90

3.58

22.82

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.12

17

20,000.00

50,000.00

273

35,801

0.76

99.09

10,526.13

58,839.03

4.97

27.80

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.10

18

50,000.00

100,000.00

117

35,918

0.32

99.42

11,124.10

69,963.14

5.26

33.05

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.08

19

100,000.00

500,000.00

173

36,091

0.48

99.90

50,596.46

120,559.60

23.90

56.95

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.05

20

500,000.00

37

36,128

0.10

100.00

71,566.02

192,125.62

33.81

90.76

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.03

19,553.58

211,679.20

9.24

100.00

0

2

0.00

100.00

0.00

58.04

0.00

100.00

0.00

0.03

(p)

( r)

(t)

1,684

* ) Multilocation

( q)


( e)

(m)

( o)

RP ∑(p)

1,684

(l)

( n)

rp

(d)

UP

( k)

F ∑(l)

50.00

(c)

( j)

f

0.00

(b)

( g)

RP ∑(h)

1

(a)

( f)

rp






DATA POSITION FROM

01/01/2009

TO

31/12/2010

PROCESSING DATE

01/03/2011

Table SUM INSURED (BAND) (In Million Rp.) BAND

(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)



( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)


(u)

1

0.00

50.00

4

4

0.98

0.98

0.24

0.24

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

6

10

1.47

2.44

0.69

0.94

0.00

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

14

24

3.42

5.87

1.80

2.73

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

8

32

1.96

7.82

0.94

3.67

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

6

38

1.47

9.29

3.37

7.04

0.02

0.04

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

8

46

1.96

11.25

4.63

11.67

0.03

0.07

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

10

56

2.44

13.69

10.48

22.15

0.06

0.13

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

14

70

3.42

17.11

20.92

43.07

0.12

0.25

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00

2,000.00

11

81

2.69

19.80

22.19

65.26

0.13

0.38

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00

2,500.00

10

91

2.44

22.25

24.20

89.45

0.14

0.52

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00

3,000.00

6

97

1.47

23.72

17.05

106.50

0.10

0.62

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00

4,000.00

24

121

5.87

29.58

98.17

204.68

0.57

1.18

2

2

8.00

8.00

95.56

95.56

0.63

0.63

97.34

46.69

13

4,000.00

5,000.00

21

142

5.13

34.72

113.94

318.62

0.66

1.84

0

2

0.00

8.00

0.00

95.56

0.00

0.63

0.00

29.99

14

5,000.00

7,500.00

48

190

11.74

46.45

268.62

587.24

1.55

3.39

1

3

4.00

12.00

13.68

109.24

0.09

0.72

5.09

18.60

15

7,500.00

10,000.00

28

218

6.85

53.30

286.17

873.41

1.65

5.04

8

11

32.00

44.00

2,487.84

2,597.09

16.41

17.13

869.37

297.35

16

10,000.00

20,000.00

63

281

15.40

68.70

913.86

1,787.27

5.28

10.32

10

21

40.00

84.00

9,826.56

12,423.65

64.82

81.95 1,075.28

695.12

17

20,000.00

50,000.00

58

339

14.18

82.89

2,169.66

3,956.93

12.53

22.85

3

24

12.00

96.00

2,309.48

14,733.13

15.23

97.18

106.44

372.34

18

50,000.00

100,000.00

30

369

7.33

90.22

2,317.52

6,274.45

13.38

36.23

1

25

4.00

100.00

427.45

15,160.58

2.82

100.00

18.44

241.62

19

100,000.00

500,000.00

34

403

8.31

98.53

6,257.64

12,532.09

36.14

72.37

0

25

0.00

100.00

0.00

15,160.58

0.00

100.00

0.00

120.97

20

500,000.00

6

409

1.47

100.00

3,789.17

16,321.26

21.88

94.25

0

25

0.00

100.00

0.00

15,160.58

0.00

100.00

0.00

92.89

995.66

17,316.92

5.75

100.00

0

25

0.00

100.00

0.00

15,160.58

0.00

100.00

0.00

87.55

UP

* ) Multilocation






DATA POSITION FROM

01/01/2009

TO

31/12/2010

PROCESSING DATE

01/03/2011


NUMBER OF RISKS f

F ∑(d)

TO



(h)

( i)

(d)

( e)

50.00

5,539

5,539

9.77

9.77

184.56

2

50.00

100.00

3,022

8,561

5.33

15.10

3

100.00

200.00

5,452

14,013

9.61

24.71

4

200.00

300.00

3,631

17,644

6.40

5

300.00

500.00

5,464

23,108

6

500.00

750.00

6,518

7

750.00

1,000.00

8

1,000.00

9

CLAIM FREQUENCY




LOSS RATIO


(t)

(u)

(p)

( q)

5.56

5.56

2,082.79

2,082.79

0.20

0.20 1,128.49 1,128.49

251.75

436.32

0.05

0.09

60

129

4.84

10.40

2,571.78

4,654.57

0.24

0.44 1,021.55 1,066.79

948.37

1,384.68

0.20

0.30

79

208

6.37

16.77

2,883.85

7,538.42

0.27

0.71

304.09

544.41

31.11

1,057.90

2,442.59

0.23

0.52

110

318

8.87

25.65

8,227.01

15,765.43

0.77

1.48

777.67

645.44

9.63

40.75

2,611.52

5,054.10

0.56

1.08

180

498

14.52

40.16

21,442.16

37,207.59

2.01

3.49

821.06

736.19

29,626

11.49

52.24

4,827.76

9,881.87

1.03

2.11

166

664

13.39

53.55

34,352.89

71,560.47

3.22

6.71

711.57

724.16

5,382

35,008

9.49

61.73

5,385.48

15,267.34

1.15

3.26

84

748

6.77

60.32

14,425.56

85,986.04

1.35

8.06

267.86

563.20

1,500.00

5,471

40,479

9.65

71.38

7,478.60

22,745.94

1.60

4.86

92

840

7.42

67.74

23,373.53

109,359.57

2.19

10.25

312.54

480.79

1,500.00

2,000.00

2,792

43,271

4.92

76.30

5,451.21

28,197.15

1.16

6.02

52

892

4.19

71.94

15,116.61

124,476.18

1.42

11.67

277.31

441.45

10

2,000.00

2,500.00

2,133

45,404

3.76

80.06

5,457.52

33,654.67

1.17

7.19

50

942

4.03

75.97

26,460.08

150,936.26

2.48

14.15

484.84

448.49

11

2,500.00

3,000.00

1,300

46,704

2.29

82.35

4,023.39

37,678.07

0.86

8.05

17

959

1.37

77.34

11,541.28

162,477.53

1.08

15.23

286.85

431.23

12

3,000.00

4,000.00

2,030

48,734

3.58

85.93

7,872.61

45,550.68

1.68

9.73

43

1,002

3.47

80.81

25,233.76

187,711.29

2.36

17.59

320.53

412.09

13

4,000.00

5,000.00

1,155

49,889

2.04

87.97

5,789.87

51,340.55

1.24

10.96

28

1,030

2.26

83.06

15,562.92

203,274.21

1.46

19.05

268.80

395.93

14

5,000.00

7,500.00

1,920

51,809

3.39

91.35

12,920.72

64,261.28

2.76

13.72

40

1,070

3.23

86.29

18,097.45

221,371.65

1.70

20.75

140.07

344.49

15

7,500.00

10,000.00

875

52,684

1.54

92.90

8,225.60

72,486.88

1.76

15.48

23

1,093

1.85

88.15

27,474.66

248,846.32

2.57

23.32

334.01

343.30

16

10,000.00

20,000.00

1,675

54,359

2.95

95.85

25,522.21

98,009.10

5.45

20.93

40

1,133

3.23

91.37

124,635.94

373,482.25

11.68

35.00

488.34

381.07

17

20,000.00

50,000.00

1,345

55,704

2.37

98.22

44,311.10

142,320.19

9.46

30.39

34

1,167

2.74

94.11

144,374.80

517,857.05

13.53

48.53

325.82

363.87

18

50,000.00

100,000.00

490

56,194

0.86

99.08

39,320.22

181,640.41

8.40

38.79

15

1,182

1.21

95.32

18,961.00

536,818.06

1.78

50.31

48.22

295.54

19

100,000.00

500,000.00

432

56,626

0.76

99.85

107,080.40

288,720.81

22.87

61.66

46

1,228

3.71

99.03

140,102.60

676,920.66

13.13

63.44

130.84

234.46

20

500,000.00

87

56,713

0.15

100.00

115,803.61

404,524.42

24.73

86.39

7

1,235

0.56

99.60

65,158.90

742,079.56

6.11

69.55

56.27

183.44

63,737.29

468,261.71

13.61

100.00

5

1240

0.40

100.00

324,910.32

1,066,989.88

30.45

100.00

509.76

227.86

* ) Multilocation

( r)


69

(m)

( o)

RP ∑(p)

69

(l)

( n)

rp

0.04

UP

( k)

F ∑(l)

0.04

(c)

( j)

f

184.56

(b)

1

( g)

RP ∑(h)

0.00

(a)

( f)

rp






DATA POSITION FROM

01/01/2009

TO

31/12/2010

PROCESSING DATE

01/03/2011


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)



( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)


(u)

1

0.00

50.00

413

413

3.50

3.50

8.93

8.93

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

285

698

2.42

5.92

24.22

33.15

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

426

1,124

3.61

9.53

67.46

100.62

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

368

1,492

3.12

12.65

101.17

201.79

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

632

2,124

5.36

18.01

275.12

476.90

0.02

0.04

2

2

10.00

10.00

90.54

90.54

2.16

2.16

32.91

18.98

6

500.00

750.00

665

2,789

5.64

23.65

464.92

941.82

0.04

0.08

0

2

0.00

10.00

0.00

90.54

0.00

2.16

0.00

9.61

7

750.00

1,000.00

445

3,234

3.77

27.43

455.66

1,397.49

0.04

0.12

0

2

0.00

10.00

0.00

90.54

0.00

2.16

0.00

6.48

8

1,000.00

1,500.00

734

3,968

6.23

33.65

1,004.86

2,402.35

0.08

0.20

0

2

0.00

10.00

0.00

90.54

0.00

2.16

0.00

3.77

9

1,500.00

2,000.00

537

4,505

4.55

38.21

1,038.53

3,440.87

0.09

0.29

3

5

15.00

25.00

1,666.15

1,756.69

39.67

41.83

160.43

51.05

10

2,000.00

2,500.00

478

4,983

4.05

42.26

1,240.82

4,681.70

0.10

0.40

1

6

5.00

30.00

35.24

1,791.93

0.84

42.67

2.84

38.28

11

2,500.00

3,000.00

380

5,363

3.22

45.48

1,179.38

5,861.08

0.10

0.50

1

7

5.00

35.00

138.63

1,930.56

3.30

45.97

11.75

32.94

12

3,000.00

4,000.00

562

5,925

4.77

50.25

2,165.48

8,026.56

0.18

0.68

1

8

5.00

40.00

358.75

2,289.32

8.54

54.51

16.57

28.52

13

4,000.00

5,000.00

369

6,294

3.13

53.38

1,807.79

9,834.35

0.15

0.83

0

8

0.00

40.00

0.00

2,289.32

0.00

54.51

0.00

23.28

14

5,000.00

7,500.00

764

7,058

6.48

59.86

5,297.66

15,132.01

0.45

1.28

1

9

5.00

45.00

13.78

2,303.10

0.33

54.84

0.26

15.22

15

7,500.00

10,000.00

479

7,537

4.06

63.92

4,670.45

19,802.46

0.39

1.67

2

11

10.00

55.00

410.33

2,713.43

9.77

64.61

8.79

13.70

16

10,000.00

20,000.00

1,158

8,695

9.82

73.74

18,156.30

37,958.76

1.53

3.21

4

15

20.00

75.00

1,212.73

3,926.16

28.88

93.49

6.68

10.34

17

20,000.00

50,000.00

1,244

9,939

10.55

84.29

43,643.63

81,602.39

3.69

6.89

1

16

5.00

80.00

67.08

3,993.24

1.60

95.09

0.15

4.89

18

50,000.00

100,000.00

697

10,636

5.91

90.20

54,815.13

136,417.53

4.63

11.52

0

16

0.00

80.00

0.00

3,993.24

0.00

95.09

0.00

2.93

19

100,000.00

500,000.00

853

11,489

7.23

97.44

200,797.27

337,214.79

16.96

28.49

3

19

15.00

95.00

153.86

4,147.10

3.66

98.75

0.08

1.23

20

500,000.00

302

11,791

2.56

100.00

663,725.06

1,000,939.85

56.07

84.56

1

20

5.00

100.00

52.50

4,199.60

1.25

100.00

0.01

0.42

182,821.68

1,183,761.53

15.44

100.00

0

20

0.00

100.00

0.00

4,199.60

0.00

100.00

0.00

0.35

UP

* ) Multilocation






DATA POSITION FROM

01/01/2009

TO

31/12/2010

PROCESSING DATE

01/03/2011


NUMBER OF RISKS f

F ∑(d)

TO



rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


f

F ∑(l)



rp

RP ∑(p)

(p)

( q)

LOSS RATIO



(d)

( e)

(t)

(u)

1

0.00

50.00

2,781

2,781

6.72

6.72

483.32

483.32

0.17

0.17

11

11

1.52

1.52

150.27

150.27

0.24

0.24

31.09

31.09

2

50.00

100.00

3,198

5,979

7.72

14.44

518.61

1,001.93

0.19

0.36

51

62

7.02

8.54

816.67

966.94

1.28

1.52

157.47

96.51

3

100.00

200.00

5,682

11,661

13.72

28.16

1,364.32

2,366.25

0.49

0.85

143

205

19.70

28.24

2,843.80

3,810.74

4.47

5.99

208.44

161.05

4

200.00

300.00

4,498

16,159

10.86

39.02

1,452.18

3,818.43

0.52

1.37

171

376

23.55

51.79

6,946.68

10,757.42

10.92

16.92

478.36

281.72

5

300.00

500.00

5,763

21,922

13.92

52.93

2,660.46

6,478.90

0.95

2.33

155

531

21.35

73.14

12,033.58

22,791.00

18.92

35.84

452.31

351.77

6

500.00

750.00

5,104

27,026

12.32

65.26

3,700.26

10,179.15

1.33

3.65

103

634

14.19

87.33

14,350.54

37,141.54

22.57

58.41

387.83

364.88

7

750.00

1,000.00

2,483

29,509

6.00

71.25

2,573.38

12,752.54

0.92

4.58

30

664

4.13

91.46

4,706.06

41,847.60

7.40

65.81

182.87

328.15

8

1,000.00

1,500.00

3,503

33,012

8.46

79.71

4,949.80

17,702.34

1.78

6.35

30

694

4.13

95.59

4,536.01

46,383.61

7.13

72.94

91.64

262.02

9

1,500.00

2,000.00

1,819

34,831

4.39

84.10

3,703.59

21,405.93

1.33

7.68

16

710

2.20

97.80

6,087.24

52,470.85

9.57

82.52

164.36

245.12

10

2,000.00

2,500.00

1,222

36,053

2.95

87.06

3,158.93

24,564.86

1.13

8.82

2

712

0.28

98.07

713.44

53,184.29

1.12

83.64

22.58

216.51

11

2,500.00

3,000.00

778

36,831

1.88

88.93

2,514.47

27,079.33

0.90

9.72

5

717

0.69

98.76

6,266.22

59,450.51

9.85

93.49

249.21

219.54

12

3,000.00

4,000.00

999

37,830

2.41

91.35

4,032.22

31,111.55

1.45

11.17

2

719

0.28

99.04

350.08

59,800.59

0.55

94.04

8.68

192.21

13

4,000.00

5,000.00

614

38,444

1.48

92.83

3,329.90

34,441.45

1.20

12.36

2

721

0.28

99.31

821.69

60,622.28

1.29

95.34

24.68

176.02

14

5,000.00

7,500.00

918

39,362

2.22

95.05

6,596.38

41,037.83

2.37

14.73

3

724

0.41

99.72

1,560.10

62,182.38

2.45

97.79

23.65

151.52

15

7,500.00

10,000.00

445

39,807

1.07

96.12

4,472.41

45,510.23

1.61

16.34

0

724

0.00

99.72

0.00

62,182.38

0.00

97.79

0.00

136.63

16

10,000.00

20,000.00

729

40,536

1.76

97.88

11,893.30

57,403.53

4.27

20.60

2

726

0.28

100.00

1,405.96

63,588.34

2.21

100.00

11.82

110.77

17

20,000.00

50,000.00

425

40,961

1.03

98.91

15,453.31

72,856.84

5.55

26.15

0

726

0.00

100.00

0.00

63,588.34

0.00

100.00

0.00

87.28

18

50,000.00

100,000.00

152

41,113

0.37

99.27

14,212.34

87,069.18

5.10

31.25

0

726

0.00

100.00

0.00

63,588.34

0.00

100.00

0.00

73.03

19

100,000.00

500,000.00

252

41,365

0.61

99.88

71,303.59

158,372.77

25.59

56.85

0

726

0.00

100.00

0.00

63,588.34

0.00

100.00

0.00

40.15

20

500,000.00

49

41,414

0.12

100.00

75,877.09

234,249.87

27.24

84.08

0

726

0.00

100.00

0.00

63,588.34

0.00

100.00

0.00

27.15

44,343.84

278,593.71

15.92

100.00

0

726

0.00

100.00

0.00

63,588.34

0.00

100.00

0.00

22.82

(a)

(b)

(c)

UP

* ) Multilocation

( f)

( g)

( j)

( k)

(l)

( n)

(m)

( o)

( r)

( s)






DATA POSITION FROM

01/01/2008

TO

31/12/2010

PROCESSING DATE

01/03/2011


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)



( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)


(u)

1

0.00

50.00

4

4

0.64

0.64

0.27

0.27

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

5

9

0.80

1.44

0.39

0.65

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

41

50

6.55

7.99

4.50

5.16

0.03

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

22

72

3.51

11.50

5.05

10.21

0.03

0.06

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

25

97

3.99

15.50

11.16

21.37

0.06

0.12

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

20

117

3.19

18.69

12.86

34.23

0.07

0.19

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

13

130

2.08

20.77

12.22

46.45

0.07

0.26

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

26

156

4.15

24.92

36.60

83.05

0.20

0.47

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00

2,000.00

16

172

2.56

27.48

31.56

114.61

0.18

0.64

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00

2,500.00

20

192

3.19

30.67

51.64

166.25

0.29

0.93

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00

3,000.00

17

209

2.72

33.39

49.67

215.92

0.28

1.21

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00

4,000.00

21

230

3.35

36.74

77.60

293.52

0.43

1.64

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00

5,000.00

30

260

4.79

41.53

151.13

444.64

0.85

2.49

1

1

25.00

25.00

10.00

10.00

0.23

0.23

6.62

2.25

14

5,000.00

7,500.00

55

315

8.79

50.32

362.11

806.75

2.03

4.52

0

1

0.00

25.00

0.00

10.00

0.00

0.23

0.00

1.24

15

7,500.00

10,000.00

39

354

6.23

56.55

326.21

1,132.97

1.83

6.35

0

1

0.00

25.00

0.00

10.00

0.00

0.23

0.00

0.88

16

10,000.00

20,000.00

110

464

17.57

74.12

1,452.30

2,585.26

8.13

14.48

1

2

25.00

50.00

600.00

610.00

13.79

14.02

41.31

23.60

17

20,000.00

50,000.00

83

547

13.26

87.38

2,844.56

5,429.82

15.93

30.41

1

3

25.00

75.00

1,929.99

2,539.99

44.37

58.39

67.85

46.78

18

50,000.00

100,000.00

29

576

4.63

92.01

2,424.75

7,854.58

13.58

43.99

0

3

0.00

75.00

0.00

2,539.99

0.00

58.39

0.00

32.34

19

100,000.00

500,000.00

48

624

7.67

99.68

8,100.47

15,955.05

45.37

89.36

1

4

25.00

100.00

1,810.04

4,350.03

41.61

100.00

22.34

27.26

20

500,000.00

2

626

0.32

100.00

1,873.23

17,828.28

10.49

99.86

0

4

0.00

100.00

0.00

4,350.03

0.00

100.00

0.00

24.40

25.69

17,853.97

0.14

100.00

0

4

0.00

100.00

0.00

4,350.03

0.00

100.00

0.00

24.36

UP

* ) Multilocation






DATA POSITION FROM

01/01/2008

TO

31/12/2010

PROCESSING DATE

01/03/2011


NUMBER OF RISKS f

FROM

F ∑(d)

TO

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY




(u)

16.57

272.72

272.72

0.06

0.06

5

5

0.92

0.92

69.46

69.46

0.02

0.02

25.47

25.47

2

50.00

100.00

6,363

17,132

9.79

26.35

412.50

685.22

0.09

0.15

15

20

2.77

3.70

856.14

925.61

0.25

0.27

207.55

135.08

3

100.00

200.00

7,353

24,485

11.31

37.66

1,040.53

1,725.75

0.23

0.38

37

57

6.84

10.54

1,471.99

2,397.60

0.43

0.70

141.47

138.93

4

200.00

300.00

4,408

28,893

6.78

44.44

1,191.70

2,917.45

0.26

0.64

43

100

7.95

18.48

2,533.52

4,931.12

0.74

1.44

212.60

169.02

5

300.00

500.00

5,703

34,596

8.77

53.22

2,628.08

5,545.53

0.57

1.21

58

158

10.72

29.21

7,225.01

12,156.13

2.10

3.54

274.92

219.21

6

500.00

750.00

8,556

43,152

13.16

66.38

6,426.81

11,972.34

1.40

2.61

61

219

11.28

40.48

12,441.01

24,597.14

3.62

7.16

193.58

205.45

7

750.00

1,000.00

4,039

47,191

6.21

72.59

4,149.29

16,121.63

0.90

3.51

22

241

4.07

44.55

7,170.94

31,768.08

2.09

9.25

172.82

197.05

8

1,000.00

1,500.00

4,271

51,462

6.57

79.16

6,256.78

22,378.41

1.36

4.88

49

290

9.06

53.60

9,229.53

40,997.61

2.69

11.94

147.51

183.20

9

1,500.00

2,000.00

2,273

53,735

3.50

82.66

4,584.28

26,962.68

1.00

5.88

34

324

6.28

59.89

16,263.84

57,261.46

4.74

16.68

354.77

212.37

10

2,000.00

2,500.00

1,772

55,507

2.73

85.38

4,627.08

31,589.76

1.01

6.88

21

345

3.88

63.77

14,252.53

71,513.98

4.15

20.83

308.02

226.38

11

2,500.00

3,000.00

1,092

56,599

1.68

87.06

3,555.78

35,145.55

0.77

7.66

16

361

2.96

66.73

13,347.98

84,861.97

3.89

24.71

375.39

241.46

12

3,000.00

4,000.00

1,579

58,178

2.43

89.49

6,265.75

41,411.29

1.37

9.02

19

380

3.51

70.24

14,226.23

99,088.20

4.14

28.86

227.05

239.28

13

4,000.00

5,000.00

1,002

59,180

1.54

91.03

5,300.85

46,712.14

1.16

10.18

16

396

2.96

73.20

2,639.97

101,728.17

0.77

29.63

49.80

217.78

14

5,000.00

7,500.00

1,585

60,765

2.44

93.47

11,216.92

57,929.07

2.44

12.62

21

417

3.88

77.08

5,364.20

107,092.37

1.56

31.19

47.82

184.87

15

7,500.00

10,000.00

747

61,512

1.15

94.62

7,440.53

65,369.59

1.62

14.25

15

432

2.77

79.85

29,347.55

136,439.92

8.55

39.73

394.43

208.72

16

10,000.00

20,000.00

1,442

62,954

2.22

96.84

22,971.88

88,341.48

5.01

19.25

34

466

6.28

86.14

55,814.26

192,254.18

16.25

55.99

242.97

217.63

17

20,000.00

50,000.00

1,112

64,066

1.71

98.55

39,962.73

128,304.20

8.71

27.96

12

478

2.22

88.35

5,054.60

197,308.78

1.47

57.46

12.65

153.78

18

50,000.00

100,000.00

448

64,514

0.69

99.24

38,000.39

166,304.60

8.28

36.24

15

493

2.77

91.13

95,770.42

293,079.20

27.89

85.35

252.02

176.23

19

100,000.00

500,000.00

422

64,936

0.65

99.89

109,589.61

275,894.20

23.88

60.12

29

522

5.36

96.49

13,044.89

306,124.08

3.80

89.15

11.90

110.96

20

500,000.00

73

65,009

0.11

100.00

103,694.04

379,588.24

22.60

82.72

14

536

2.59

99.08

6,431.53

312,555.61

1.87

91.02

6.20

82.34

79,287.03

458,875.28

17.28

100.00

5

541

0.92

100.00

30,827.32

343,382.93

8.98

100.00

38.88

74.83

UP

* ) Multilocation

( s)

(t)

( g)

16.57

(p)

( r)


( f)

(m)

( q)

LOSS RATIO


10,769

(l)

( o)

RP ∑(p)

10,769

(d)

( n)

rp

50.00

(c)

( k)

F ∑(l)

0.00

(b)

( j)

f

1

(a)

( e)








DATA POSITION FROM

01/01/2008

TO

31/12/2010

PROCESSING DATE

01/03/2011


NUMBER OF RISKS f

FROM (a)

F ∑(d)

TO

(b)

(c)

(d)

( e)



( g)

rp

RP ∑(h) ( i)

(h)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)



(m)

( o)

rp

RP ∑(p) ( q)

(p)

LOSS RATIO


( s)


(u)

1

0.00

50.00

314

314

3.21

3.21

10.05

10.05

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

409

723

4.18

7.40

28.63

38.69

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

358

1,081

3.66

11.06

56.72

95.40

0.00

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

300

1,381

3.07

14.13

94.87

190.28

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

400

1,781

4.09

18.22

195.80

386.08

0.02

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

476

2,257

4.87

23.09

366.20

752.27

0.03

0.06

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

294

2,551

3.01

26.10

326.48

1,078.75

0.03

0.09

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

543

3,094

5.56

31.66

758.27

1,837.02

0.06

0.15

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00

2,000.00

442

3,536

4.52

36.18

932.32

2,769.34

0.08

0.22

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00

2,500.00

349

3,885

3.57

39.75

930.02

3,699.36

0.08

0.30

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00

3,000.00

286

4,171

2.93

42.68

957.54

4,656.90

0.08

0.38

1

1

7.14

7.14

79.89

79.89

0.09

0.09

8.34

1.72

12

3,000.00

4,000.00

435

4,606

4.45

47.13

1,813.71

6,470.62

0.15

0.52

0

1

0.00

7.14

0.00

79.89

0.00

0.09

0.00

1.23

13

4,000.00

5,000.00

338

4,944

3.46

50.59

1,825.30

8,295.92

0.15

0.67

0

1

0.00

7.14

0.00

79.89

0.00

0.09

0.00

0.96

14

5,000.00

7,500.00

686

5,630

7.02

57.61

5,171.42

13,467.34

0.42

1.09

2

3

14.29

21.43

5.66

85.55

0.01

0.10

0.11

0.64

15

7,500.00

10,000.00

420

6,050

4.30

61.91

4,416.78

17,884.13

0.36

1.45

0

3

0.00

21.43

0.00

85.55

0.00

0.10

0.00

0.48

16

10,000.00

20,000.00

971

7,021

9.94

71.84

16,607.75

34,491.87

1.34

2.79

2

5

14.29

35.71

1,222.55

1,308.10

1.42

1.52

7.36

3.79

17

20,000.00

50,000.00

1,087

8,108

11.12

82.96

42,556.09

77,047.96

3.44

6.23

2

7

14.29

50.00

427.57

1,735.68

0.50

2.01

1.00

2.25

18

50,000.00

100,000.00

645

8,753

6.60

89.56

56,680.75

133,728.71

4.58

10.81

2

9

14.29

64.29

2,628.28

4,363.96

3.05

5.07

4.64

3.26

19

100,000.00

500,000.00

753

9,506

7.70

97.27

196,103.77

329,832.48

15.85

26.66

1

10

7.14

71.43

32,000.00

36,363.96

37.15

42.21

16.32

11.02

20

500,000.00

267

9,773

2.73

100.00

724,360.14

1,054,192.62

58.54

85.20

4

14

28.57

100.00

49,781.51

86,145.47

57.79

100.00

6.87

8.17

183,122.89

1,237,315.51

14.80

100.00

0

14

0.00

100.00

0.00

86,145.47

0.00

100.00

0.00

6.96

UP

* ) Multilocation






DATA POSITION FROM

01/01/2008

TO

31/12/2010

PROCESSING DATE

01/03/2011


NUMBER OF RISKS f

F ∑(d)

TO



rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY




LOSS RATIO


( g)

11.09

11.09

348.96

348.96

0.16

0.16

2

2

0.95

0.95

8.99

8.99

0.04

0.04

2.58

2.58

2

50.00

100.00

2,435

6,436

6.75

17.84

844.23

1,193.19

0.39

0.55

13

15

6.16

7.11

289.15

298.15

1.20

1.24

34.25

24.99

3

100.00

200.00

4,707

11,143

13.05

30.89

1,390.49

2,583.68

0.64

1.20

39

54

18.48

25.59

471.05

769.20

1.96

3.20

33.88

29.77

4

200.00

300.00

4,014

15,157

11.13

42.02

1,288.92

3,872.60

0.60

1.79

50

104

23.70

49.29

1,048.23

1,817.43

4.36

7.57

81.33

46.93

5

300.00

500.00

5,025

20,182

13.93

55.95

2,389.20

6,261.81

1.11

2.90

47

151

22.27

71.56

2,154.12

3,971.55

8.97

16.54

90.16

63.42

6

500.00

750.00

4,267

24,449

11.83

67.78

3,281.25

9,543.06

1.52

4.42

27

178

12.80

84.36

6,625.58

10,597.13

27.59

44.12

201.92

111.05

7

750.00

1,000.00

1,993

26,442

5.53

73.31

2,139.34

11,682.40

0.99

5.41

12

190

5.69

90.05

4,163.97

14,761.11

17.34

61.46

194.64

126.35

8

1,000.00

1,500.00

2,718

29,160

7.54

80.84

4,070.78

15,753.18

1.88

7.29

9

199

4.27

94.31

1,568.71

16,329.82

6.53

67.99

38.54

103.66

9

1,500.00

2,000.00

1,455

30,615

4.03

84.88

3,033.22

18,786.40

1.40

8.70

2

201

0.95

95.26

916.22

17,246.03

3.81

71.80

30.21

91.80

10

2,000.00

2,500.00

949

31,564

2.63

87.51

2,598.43

21,384.83

1.20

9.90

2

203

0.95

96.21

1,314.24

18,560.27

5.47

77.28

50.58

86.79

11

2,500.00

3,000.00

623

32,187

1.73

89.23

2,077.78

23,462.61

0.96

10.86

1

204

0.47

96.68

4.47

18,564.75

0.02

77.29

0.22

79.12

12

3,000.00

4,000.00

808

32,995

2.24

91.47

3,479.39

26,942.00

1.61

12.47

3

207

1.42

98.10

1,539.74

20,104.49

6.41

83.71

44.25

74.62

13

4,000.00

5,000.00

542

33,537

1.50

92.98

3,075.84

30,017.85

1.42

13.90

2

209

0.95

99.05

3,755.27

23,859.76

15.64

99.34

122.09

79.49

14

5,000.00

7,500.00

712

34,249

1.97

94.95

5,255.83

35,273.68

2.43

16.33

1

210

0.47

99.53

148.49

24,008.25

0.62

99.96

2.83

68.06

15

7,500.00

10,000.00

515

34,764

1.43

96.38

5,532.59

40,806.27

2.56

18.89

0

210

0.00

99.53

0.00

24,008.25

0.00

99.96

0.00

58.83

16

10,000.00

20,000.00

556

35,320

1.54

97.92

9,279.19

50,085.45

4.30

23.19

0

210

0.00

99.53

0.00

24,008.25

0.00

99.96

0.00

47.93

17

20,000.00

50,000.00

353

35,673

0.98

98.90

14,023.79

64,109.25

6.49

29.68

0

210

0.00

99.53

0.00

24,008.25

0.00

99.96

0.00

37.45

18

50,000.00

100,000.00

137

35,810

0.38

99.28

13,027.46

77,136.70

6.03

35.71

0

210

0.00

99.53

0.00

24,008.25

0.00

99.96

0.00

31.12

19

100,000.00

500,000.00

219

36,029

0.61

99.89

66,005.10

143,141.80

30.56

66.27

1

211

0.47

100.00

10.00

24,018.25

0.04

100.00

0.02

16.78

20

500,000.00

41

36,070

0.11

100.00

62,441.33

205,583.13

28.91

95.18

0

211

0.00

100.00

0.00

24,018.25

0.00

100.00

0.00

11.68

10,421.86

216,004.99

4.82

100.00

0

211

0.00

100.00

0.00

24,018.25

0.00

100.00

0.00

11.12

UP

* ) Multilocation

( s)

(u)

( f)

4,001

(p)

( r)

(t)

( e)

4,001

(m)

( q)


(d)

(l)

( o)

RP ∑(p)

50.00

(c)

( n)

rp

0.00

(b)

( k)

F ∑(l)

1

(a)

( j)

f




RISK & LOSS PROFILE UNDERWRITING YEAR PROVINCE OCCUPATION


DATA POSITION FROM

01/01/2007

TO

31/12/2010

PROCESSING DATE

01/03/2011


NUMBER OF RISKS f

FROM (a)

F ∑(d)

TO

(b)

(c)

( e)

(d)



( g)

rp

RP ∑(h) ( i)

(h)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)



(m)

( o)

rp

RP ∑(p) ( q)

(p)

LOSS RATIO


( s)


(u)

1

0.00

50.00

1

1

0.24

0.24

0.05

0.05

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

7

8

1.69

1.93

0.50

0.55

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

14

22

3.38

5.31

0.98

1.53

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

10

32

2.42

7.73

1.45

2.98

0.01

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

11

43

2.66

10.39

4.55

7.53

0.05

0.08

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

17

60

4.11

14.49

11.80

19.33

0.12

0.19

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

14

74

3.38

17.87

14.39

33.72

0.14

0.34

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

10

84

2.42

20.29

14.19

47.91

0.14

0.48

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00

2,000.00

12

96

2.90

23.19

24.66

72.58

0.25

0.73

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00

2,500.00

4

100

0.97

24.15

10.00

82.58

0.10

0.83

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00

3,000.00

9

109

2.17

26.33

29.97

112.56

0.30

1.13

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00

4,000.00

17

126

4.11

30.43

66.03

178.58

0.66

1.79

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00

5,000.00

13

139

3.14

33.57

61.94

240.53

0.62

2.42

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00

7,500.00

44

183

10.63

44.20

259.82

500.35

2.61

5.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00

10,000.00

21

204

5.07

49.28

188.17

688.52

1.89

6.92

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00

20,000.00

81

285

19.57

68.84

1,148.50

1,837.02

11.54

18.46

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00

50,000.00

61

346

14.73

83.57

1,910.65

3,747.68

19.20

37.66

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00

100,000.00

43

389

10.39

93.96

2,306.15

6,053.82

23.17

60.83

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00

500,000.00

25

414

6.04

100.00

3,898.41

9,952.24

39.17

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

0

414

0.00

100.00

0.00

9,952.24

0.00

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9,952.24

0.00

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

UP

* ) Multilocation






DATA POSITION FROM

01/01/2007

TO

31/12/2010

PROCESSING DATE

01/03/2011


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)



( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)


(u)

1

0.00

50.00

3,288

3,288

8.40

8.40

98.05

98.05

0.02

0.02

3

3

1.17

1.17

62.89

62.89

0.08

0.08

64.14

64.14

2

50.00

100.00

1,945

5,233

4.97

13.37

197.63

295.68

0.05

0.07

3

6

1.17

2.34

42.95

105.84

0.05

0.13

21.73

35.79

3

100.00

200.00

3,937

9,170

10.06

23.44

651.88

947.56

0.17

0.24

6

12

2.34

4.69

72.01

177.85

0.09

0.22

11.05

18.77

4

200.00

300.00

2,928

12,098

7.48

30.92

824.50

1,772.06

0.21

0.45

17

29

6.64

11.33

435.29

613.13

0.53

0.75

52.79

34.60

5

300.00

500.00

4,321

16,419

11.04

41.96

1,997.89

3,769.95

0.51

0.96

37

66

14.45

25.78

1,413.62

2,026.76

1.74

2.49

70.76

53.76

6

500.00

750.00

4,406

20,825

11.26

53.22

3,200.35

6,970.31

0.81

1.77

29

95

11.33

37.11

1,485.36

3,512.12

1.83

4.32

46.41

50.39

7

750.00

1,000.00

2,367

23,192

6.05

59.27

2,389.66

9,359.97

0.61

2.37

20

115

7.81

44.92

470.92

3,983.04

0.58

4.89

19.71

42.55

8

1,000.00

1,500.00

3,621

26,813

9.25

68.53

5,075.82

14,435.79

1.29

3.66

37

152

14.45

59.38

2,134.53

6,117.57

2.62

7.52

42.05

42.38

9

1,500.00

2,000.00

2,026

28,839

5.18

73.70

3,986.81

18,422.60

1.01

4.67

11

163

4.30

63.67

1,328.32

7,445.89

1.63

9.15

33.32

40.42

10

2,000.00

2,500.00

1,548

30,387

3.96

77.66

3,956.34

22,378.93

1.00

5.68

9

172

3.52

67.19

709.59

8,155.48

0.87

10.02

17.94

36.44

11

2,500.00

3,000.00

961

31,348

2.46

80.12

3,048.00

25,426.93

0.77

6.45

8

180

3.13

70.31

1,174.87

9,330.36

1.44

11.46

38.55

36.69

12

3,000.00

4,000.00

1,439

32,787

3.68

83.79

5,900.61

31,327.54

1.50

7.94

13

193

5.08

75.39

3,123.33

12,453.69

3.84

15.30

52.93

39.75

13

4,000.00

5,000.00

908

33,695

2.32

86.11

4,680.67

36,008.21

1.19

9.13

8

201

3.13

78.52

754.48

13,208.16

0.93

16.23

16.12

36.68

14

5,000.00

7,500.00

1,472

35,167

3.76

89.88

10,273.09

46,281.30

2.61

11.74

12

213

4.69

83.20

1,737.97

14,946.13

2.14

18.36

16.92

32.29

15

7,500.00

10,000.00

793

35,960

2.03

91.90

7,846.34

54,127.64

1.99

13.73

1

214

0.39

83.59

37.93

14,984.06

0.05

18.41

0.48

27.68

16

10,000.00

20,000.00

1,252

37,212

3.20

95.10

20,066.77

74,194.41

5.09

18.82

8

222

3.13

86.72

2,267.02

17,251.08

2.79

21.20

11.30

23.25

17

20,000.00

50,000.00

1,064

38,276

2.72

97.82

37,940.30

112,134.72

9.62

28.44

8

230

3.13

89.84

4,530.50

21,781.58

5.57

26.76

11.94

19.42

18

50,000.00

100,000.00

415

38,691

1.06

98.88

34,338.73

146,473.44

8.71

37.15

7

237

2.73

92.58

4,422.85

26,204.43

5.43

32.20

12.88

17.89

19

100,000.00

500,000.00

375

39,066

0.96

99.84

98,494.66

244,968.10

24.98

62.12

12

249

4.69

97.27

4,795.59

31,000.02

5.89

38.09

4.87

12.65

20

500,000.00

62

39,128

0.16

100.00

73,054.93

318,023.04

18.53

80.65

3

252

1.17

98.44

106.18

31,106.20

0.13

38.22

0.15

9.78

76,296.87

394,319.91

19.35

100.00

4

256

1.56

100.00

50,277.79

81,383.98

61.78

100.00

65.90

20.64

UP

* ) Multilocation






DATA POSITION FROM

01/01/2007

TO

31/12/2010

PROCESSING DATE

01/03/2011


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)



( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)


(u)

1

0.00

50.00

297

297

2.53

2.53

9.08

9.08

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

501

798

4.27

6.79

44.51

53.58

0.00

0.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

762

1,560

6.49

13.28

141.61

195.20

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

401

1,961

3.41

16.70

118.56

313.76

0.01

0.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

516

2,477

4.39

21.09

236.21

549.97

0.02

0.04

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

652

3,129

5.55

26.64

457.15

1,007.12

0.04

0.08

1

1

11.11

11.11

18.53

18.53

0.72

0.72

4.05

1.84

7

750.00

1,000.00

421

3,550

3.58

30.22

457.56

1,464.68

0.04

0.11

0

1

0.00

11.11

0.00

18.53

0.00

0.72

0.00

1.27

8

1,000.00

1,500.00

1,761

5,311

14.99

45.22

1,404.23

2,868.91

0.11

0.22

0

1

0.00

11.11

0.00

18.53

0.00

0.72

0.00

0.65

9

1,500.00

2,000.00

433

5,744

3.69

48.90

881.40

3,750.31

0.07

0.29

0

1

0.00

11.11

0.00

18.53

0.00

0.72

0.00

0.49

10

2,000.00

2,500.00

382

6,126

3.25

52.15

994.34

4,744.65

0.08

0.36

0

1

0.00

11.11

0.00

18.53

0.00

0.72

0.00

0.39

11

2,500.00

3,000.00

298

6,424

2.54

54.69

947.14

5,691.78

0.07

0.44

0

1

0.00

11.11

0.00

18.53

0.00

0.72

0.00

0.33

12

3,000.00

4,000.00

409

6,833

3.48

58.17

1,627.61

7,319.40

0.13

0.56

0

1

0.00

11.11

0.00

18.53

0.00

0.72

0.00

0.25

13

4,000.00

5,000.00

317

7,150

2.70

60.87

1,747.33

9,066.73

0.13

0.70

0

1

0.00

11.11

0.00

18.53

0.00

0.72

0.00

0.20

14

5,000.00

7,500.00

629

7,779

5.36

66.23

4,376.95

13,443.68

0.34

1.03

0

1

0.00

11.11

0.00

18.53

0.00

0.72

0.00

0.14

15

7,500.00

10,000.00

415

8,194

3.53

69.76

4,117.64

17,561.32

0.32

1.35

0

1

0.00

11.11

0.00

18.53

0.00

0.72

0.00

0.11

16

10,000.00

20,000.00

963

9,157

8.20

77.96

15,827.43

33,388.74

1.22

2.56

1

2

11.11

22.22

6.50

25.03

0.25

0.98

0.04

0.07

17

20,000.00

50,000.00

1,034

10,191

8.80

86.76

37,545.31

70,934.06

2.88

5.45

5

7

55.56

77.78

2,062.45

2,087.48

80.64

81.62

5.49

2.94

18

50,000.00

100,000.00

633

10,824

5.39

92.15

51,477.28

122,411.34

3.95

9.40

2

9

22.22

100.00

470.14

2,557.62

18.38

100.00

0.91

2.09

19

100,000.00

500,000.00

669

11,493

5.70

97.85

161,720.49

284,131.83

12.42

21.83

0

9

0.00

100.00

0.00

2,557.62

0.00

100.00

0.00

0.90

20

500,000.00

253

11,746

2.15

100.00

775,115.09

1,059,246.92

59.54

81.37

0

9

0.00

100.00

0.00

2,557.62

0.00

100.00

0.00

0.24

242,512.88

1,301,759.80

18.63

100.00

0

9

0.00

100.00

0.00

2,557.62

0.00

100.00

0.00

0.20

UP

* ) Multilocation






DATA POSITION FROM

01/01/2007

TO

31/12/2010

PROCESSING DATE

01/03/2011


NUMBER OF RISKS f

F ∑(d)

TO



rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY




LOSS RATIO


( g)

10.20

10.20

207.49

207.49

0.14

0.14

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

1,755

4,977

5.55

15.75

213.59

421.08

0.14

0.28

2

2

1.85

1.85

23.39

23.39

0.83

0.83

10.95

5.55

3

100.00

200.00

4,011

8,988

12.70

28.45

707.81

1,128.89

0.46

0.74

17

19

15.74

17.59

199.56

222.95

7.07

7.90

28.19

19.75

4

200.00

300.00

3,628

12,616

11.48

39.93

1,040.37

2,169.26

0.68

1.42

20

39

18.52

36.11

296.96

519.91

10.52

18.42

28.54

23.97

5

300.00

500.00

4,668

17,284

14.77

54.71

2,129.79

4,299.05

1.40

2.82

27

66

25.00

61.11

823.62

1,343.52

29.17

47.59

38.67

31.25

6

500.00

750.00

3,927

21,211

12.43

67.14

2,924.82

7,223.87

1.92

4.74

24

90

22.22

83.33

797.66

2,141.18

28.25

75.84

27.27

29.64

7

750.00

1,000.00

1,814

23,025

5.74

72.88

1,907.83

9,131.71

1.25

5.99

4

94

3.70

87.04

177.66

2,318.85

6.29

82.14

9.31

25.39

8

1,000.00

1,500.00

2,613

25,638

8.27

81.15

3,828.07

12,959.78

2.51

8.50

3

97

2.78

89.81

123.38

2,442.22

4.37

86.51

3.22

18.84

9

1,500.00

2,000.00

1,289

26,927

4.08

85.23

2,633.61

15,593.38

1.73

10.23

4

101

3.70

93.52

147.66

2,589.89

5.23

91.74

5.61

16.61

10

2,000.00

2,500.00

836

27,763

2.65

87.87

2,196.99

17,790.37

1.44

11.67

3

104

2.78

96.30

199.00

2,788.88

7.05

98.79

9.06

15.68

11

2,500.00

3,000.00

565

28,328

1.79

89.66

1,850.54

19,640.91

1.21

12.88

1

105

0.93

97.22

12.70

2,801.59

0.45

99.24

0.69

14.26

12

3,000.00

4,000.00

723

29,051

2.29

91.95

2,915.20

22,556.11

1.91

14.79

0

105

0.00

97.22

0.00

2,801.59

0.00

99.24

0.00

12.42

13

4,000.00

5,000.00

481

29,532

1.52

93.47

2,528.57

25,084.68

1.66

16.45

1

106

0.93

98.15

5.45

2,807.03

0.19

99.43

0.22

11.19

14

5,000.00

7,500.00

615

30,147

1.95

95.42

4,406.23

29,490.90

2.89

19.34

1

107

0.93

99.07

5.27

2,812.30

0.19

99.62

0.12

9.54

15

7,500.00

10,000.00

433

30,580

1.37

96.79

4,289.01

33,779.92

2.81

22.15

0

107

0.00

99.07

0.00

2,812.30

0.00

99.62

0.00

8.33

16

10,000.00

20,000.00

430

31,010

1.36

98.15

6,988.65

40,768.57

4.58

26.74

0

107

0.00

99.07

0.00

2,812.30

0.00

99.62

0.00

6.90

17

20,000.00

50,000.00

256

31,266

0.81

98.96

8,944.66

49,713.23

5.87

32.60

0

107

0.00

99.07

0.00

2,812.30

0.00

99.62

0.00

5.66

18

50,000.00

100,000.00

132

31,398

0.42

99.38

12,177.26

61,890.49

7.99

40.59

0

107

0.00

99.07

0.00

2,812.30

0.00

99.62

0.00

4.54

19

100,000.00

500,000.00

164

31,562

0.52

99.90

46,120.29

108,010.78

30.25

70.84

1

108

0.93

100.00

10.86

2,823.16

0.38

100.00

0.02

2.61

20

500,000.00

32

31,594

0.10

100.00

39,255.49

147,266.27

25.75

96.59

0

108

0.00

100.00

0.00

2,823.16

0.00

100.00

0.00

1.92

5,205.78

152,472.05

3.41

100.00

0

108

0.00

100.00

0.00

2,823.16

0.00

100.00

0.00

1.85

UP

* ) Multilocation

( s)

(u)

( f)

3,222

(p)

( r)

(t)

( e)

3,222

(m)

( q)


(d)

(l)

( o)

RP ∑(p)

50.00

(c)

( n)

rp

0.00

(b)

( k)

F ∑(l)

1

(a)

( j)

f

0.00






DATA POSITION FROM

01/01/2006

TO

31/12/2010

PROCESSING DATE

01/03/2011


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)



( g)

rp

RP ∑(h)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)



( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)


(u)

1

0.00

50.00

15

15

3.23

3.23

0.83

0.83

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

6

21

1.29

4.53

0.53

1.36

0.01

0.01

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

12

33

2.59

7.11

1.85

3.22

0.02

0.03

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

7

40

1.51

8.62

1.83

5.05

0.02

0.05

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

15

55

3.23

11.85

6.79

11.83

0.07

0.11

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

24

79

5.17

17.03

17.57

29.40

0.17

0.29

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

15

94

3.23

20.26

15.75

45.15

0.15

0.44

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

18

112

3.88

24.14

26.46

71.61

0.26

0.69

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

9

1,500.00

2,000.00

13

125

2.80

26.94

25.73

97.34

0.25

0.94

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10

2,000.00

2,500.00

8

133

1.72

28.66

15.48

112.82

0.15

1.09

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

11

2,500.00

3,000.00

9

142

1.94

30.60

23.58

136.41

0.23

1.32

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12

3,000.00

4,000.00

28

170

6.03

36.64

71.79

208.20

0.70

2.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

13

4,000.00

5,000.00

29

199

6.25

42.89

87.86

296.05

0.85

2.87

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

14

5,000.00

7,500.00

62

261

13.36

56.25

365.53

661.58

3.55

6.42

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15

7,500.00

10,000.00

22

283

4.74

60.99

186.07

847.65

1.80

8.22

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16

10,000.00

20,000.00

67

350

14.44

75.43

845.66

1,693.31

8.20

16.42

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17

20,000.00

50,000.00

52

402

11.21

86.64

1,740.82

3,434.13

16.88

33.31

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18

50,000.00

100,000.00

32

434

6.90

93.53

2,525.62

5,959.74

24.50

57.80

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

19

100,000.00

500,000.00

29

463

6.25

99.78

3,625.10

9,584.84

35.16

92.96

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20

500,000.00

1

464

0.22

100.00

725.68

10,310.52

7.04

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10,310.52

0.00

100.00

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

UP

* ) Multilocation






DATA POSITION FROM

01/01/2006

TO

31/12/2010

PROCESSING DATE

01/03/2011


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)

( f)



rp

RP ∑(h)

( g)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)



( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)


(u)

1

0.00

50.00

7,110

7,110

18.60

18.60

1,861.36

1,861.36

0.43

0.43

11

11

3.57

3.57

238.26

238.26

0.42

0.42

12.80

12.80

2

50.00

100.00

2,137

9,247

5.59

24.19

220.13

2,081.49

0.05

0.49

16

27

5.19

8.77

392.19

630.45

0.69

1.11

178.16

30.29

3

100.00

200.00

3,291

12,538

8.61

32.80

536.27

2,617.76

0.13

0.61

21

48

6.82

15.58

549.19

1,179.63

0.97

2.07

102.41

45.06

4

200.00

300.00

2,530

15,068

6.62

39.41

683.59

3,301.35

0.16

0.77

18

66

5.84

21.43

548.95

1,728.59

0.97

3.04

80.30

52.36

5

300.00

500.00

3,750

18,818

9.81

49.22

1,625.11

4,926.46

0.38

1.15

39

105

12.66

34.09

1,639.32

3,367.91

2.88

5.92

100.87

68.36

6

500.00

750.00

3,569

22,387

9.34

58.56

2,402.78

7,329.24

0.56

1.71

40

145

12.99

47.08

2,552.30

5,920.21

4.49

10.41

106.22

80.78

7

750.00

1,000.00

1,905

24,292

4.98

63.54

1,815.29

9,144.53

0.42

2.13

26

171

8.44

55.52

1,444.60

7,364.81

2.54

12.95

79.58

80.54

8

1,000.00

1,500.00

3,269

27,561

8.55

72.09

4,282.63

13,427.16

1.00

3.13

22

193

7.14

62.66

1,637.80

9,002.61

2.88

15.83

38.24

67.05

9

1,500.00

2,000.00

1,712

29,273

4.48

76.57

3,164.04

16,591.20

0.74

3.87

9

202

2.92

65.58

667.97

9,670.58

1.17

17.01

21.11

58.29

10

2,000.00

2,500.00

1,357

30,630

3.55

80.12

3,251.48

19,842.68

0.76

4.63

10

212

3.25

68.83

2,413.06

12,083.64

4.24

21.25

74.21

60.90

11

2,500.00

3,000.00

851

31,481

2.23

82.34

2,478.62

22,321.30

0.58

5.21

8

220

2.60

71.43

1,093.16

13,176.80

1.92

23.18

44.10

59.03

12

3,000.00

4,000.00

1,269

32,750

3.32

85.66

4,728.60

27,049.90

1.10

6.31

10

230

3.25

74.68

1,489.28

14,666.09

2.62

25.79

31.50

54.22

13

4,000.00

5,000.00

822

33,572

2.15

87.81

4,033.81

31,083.71

0.94

7.25

12

242

3.90

78.57

1,151.17

15,817.26

2.02

27.82

28.54

50.89

14

5,000.00

7,500.00

1,287

34,859

3.37

91.18

8,288.62

39,372.33

1.93

9.18

9

251

2.92

81.49

5,269.32

21,086.58

9.27

37.09

63.57

53.56

15

7,500.00

10,000.00

650

35,509

1.70

92.88

5,997.80

45,370.13

1.40

10.58

8

259

2.60

84.09

1,616.29

22,702.86

2.84

39.93

26.95

50.04

16

10,000.00

20,000.00

1,153

36,662

3.02

95.90

16,671.10

62,041.23

3.89

14.47

11

270

3.57

87.66

6,524.42

29,227.28

11.48

51.41

39.14

47.11

17

20,000.00

50,000.00

809

37,471

2.12

98.01

26,498.11

88,539.35

6.18

20.65

10

280

3.25

90.91

2,364.79

31,592.07

4.16

55.56

8.92

35.68

18

50,000.00

100,000.00

328

37,799

0.86

98.87

24,974.77

113,514.11

5.82

26.47

12

292

3.90

94.81

7,248.45

38,840.52

12.75

68.31

29.02

34.22

19

100,000.00

500,000.00

360

38,159

0.94

99.81

85,647.01

199,161.12

19.97

46.45

9

301

2.92

97.73

5,598.63

44,439.14

9.85

78.16

6.54

22.31

20

500,000.00

72

38,231

0.19

100.00

119,824.31

318,985.44

27.95

74.39

4

305

1.30

99.03

46.88

44,486.03

0.08

78.24

0.04

13.95

109,788.98

428,774.41

25.61

100.00

3

308

0.97

100.00

12,370.41

56,856.43

21.76

100.00

11.27

13.26

UP

* ) Multilocation






DATA POSITION FROM

01/01/2006

TO

31/12/2010

PROCESSING DATE

01/03/2011


NUMBER OF RISKS f

FROM

F ∑(d)

TO

CLAIM FREQUENCY




LOSS RATIO


(u)

( i)

4,131.97

0.33

0.33

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

152

855

1.65

9.26

12.04

4,144.01

0.00

0.33

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3

100.00

200.00

297

1,152

3.22

12.47

55.54

4,199.56

0.00

0.34

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4

200.00

300.00

348

1,500

3.77

16.24

103.07

4,302.63

0.01

0.34

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5

300.00

500.00

637

2,137

6.90

23.14

347.46

4,650.09

0.03

0.37

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6

500.00

750.00

579

2,716

6.27

29.41

449.80

5,099.89

0.04

0.41

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7

750.00

1,000.00

293

3,009

3.17

32.58

282.33

5,382.22

0.02

0.43

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

8

1,000.00

1,500.00

469

3,478

5.08

37.66

615.15

5,997.37

0.05

0.48

1

1

4.76

4.76

87.77

87.77

3.12

3.12

14.27

1.46

9

1,500.00

2,000.00

363

3,841

3.93

41.59

680.27

6,677.64

0.05

0.53

0

1

0.00

4.76

0.00

87.77

0.00

3.12

0.00

1.31

10

2,000.00

2,500.00

308

4,149

3.33

44.92

730.66

7,408.30

0.06

0.59

1

2

4.76

9.52

81.50

169.27

2.89

6.01

11.15

2.28

11

2,500.00

3,000.00

250

4,399

2.71

47.63

700.53

8,108.83

0.06

0.65

1

3

4.76

14.29

113.27

282.54

4.02

10.03

16.17

3.48

12

3,000.00

4,000.00

390

4,789

4.22

51.85

1,398.96

9,507.79

0.11

0.76

3

6

14.29

28.57

206.73

489.27

7.34

17.37

14.78

5.15

13

4,000.00

5,000.00

291

5,080

3.15

55.00

1,323.10

10,830.89

0.11

0.86

1

7

4.76

33.33

7.67

496.94

0.27

17.65

0.58

4.59

14

5,000.00

7,500.00

527

5,607

5.71

60.71

3,377.58

14,208.47

0.27

1.13

3

10

14.29

47.62

143.99

640.93

5.11

22.76

4.26

4.51

15

7,500.00

10,000.00

363

5,970

3.93

64.64

3,227.35

17,435.82

0.26

1.39

3

13

14.29

61.90

334.36

975.29

11.87

34.63

10.36

5.59

16

10,000.00

20,000.00

880

6,850

9.53

74.17

12,762.83

30,198.65

1.02

2.41

0

13

0.00

61.90

0.00

975.29

0.00

34.63

0.00

3.23

17

20,000.00

50,000.00

918

7,768

9.94

84.11

29,435.92

59,634.57

2.35

4.76

2

15

9.52

71.43

58.12

1,033.41

2.06

36.69

0.20

1.73

18

50,000.00

100,000.00

574

8,342

6.21

90.32

41,664.29

101,298.86

3.33

8.08

1

16

4.76

76.19

68.09

1,101.50

2.42

39.11

0.16

1.09

19

100,000.00

500,000.00

623

8,965

6.75

97.07

132,654.14

233,953.01

10.59

18.67

2

18

9.52

85.71

1,618.60

2,720.09

57.47

96.58

1.22

1.16

20

500,000.00

271

9,236

2.93

100.00

791,234.79

1,025,187.80

63.15

81.82

3

21

14.29

100.00

96.18

2,816.28

3.42

100.00

0.01

0.27

227,828.25

1,253,016.05

18.18

100.00

0

21

0.00

100.00

0.00

2,816.28

0.00

100.00

0.00

0.22

(p)

( r)

(t)

(h)

4,131.97

* ) Multilocation

( q)


7.61

(m)

( o)

RP ∑(p)

7.61

(l)

( n)

rp

703

UP

( k)

F ∑(l)

703

(d)

( j)

f

50.00

(c)

( g)

RP ∑(h)

0.00

(b)

( f)

rp

1

(a)

( e)








DATA POSITION FROM

01/01/2006

TO

31/12/2010

PROCESSING DATE

01/03/2011


(a)

FROM

TO

(b)

(c)

NUMBER OF RISKS f

F ∑(d)

(d)

( e)

( f)



rp

RP ∑(h)

( g)

(h)

( i)

CLAIM FREQUENCY


( k)

f

F ∑(l)

(l)

(m)



( o)

rp

RP ∑(p)

(p)

( q)

LOSS RATIO


( s)


(u)

1

0.00

50.00

3,220

3,220

13.60

13.60

4,703.06

4,703.06

6.02

6.02

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2

50.00

100.00

1,596

4,816

6.74

20.34

128.55

4,831.61

0.16

6.18

1

1

1.82

1.82

1.39

1.39

0.06

0.06

1.09

0.03

3

100.00

200.00

3,250

8,066

13.72

34.06

521.57

5,353.18

0.67

6.85

12

13

21.82

23.64

154.25

155.64

6.27

6.32

29.57

2.91

4

200.00

300.00

2,814

10,880

11.88

45.95

753.59

6,106.77

0.96

7.81

12

25

21.82

45.45

209.37

365.01

8.51

14.83

27.78

5.98

5

300.00

500.00

3,515

14,395

14.84

60.79

1,505.84

7,612.61

1.93

9.74

9

34

16.36

61.82

161.04

526.06

6.54

21.37

10.69

6.91

6

500.00

750.00

2,817

17,212

11.90

72.69

1,915.60

9,528.20

2.45

12.19

5

39

9.09

70.91

152.56

678.61

6.20

27.57

7.96

7.12

7

750.00

1,000.00

1,247

18,459

5.27

77.95

1,213.26

10,741.47

1.55

13.75

2

41

3.64

74.55

61.70

740.31

2.51

30.08

5.09

6.89

8

1,000.00

1,500.00

1,714

20,173

7.24

85.19

2,271.00

13,012.47

2.91

16.65

10

51

18.18

92.73

1,420.00

2,160.32

57.70

87.77

62.53

16.60

9

1,500.00

2,000.00

785

20,958

3.32

88.51

1,498.55

14,511.01

1.92

18.57

1

52

1.82

94.55

10.00

2,170.32

0.41

88.18

0.67

14.96

10

2,000.00

2,500.00

503

21,461

2.12

90.63

1,259.87

15,770.89

1.61

20.18

0

52

0.00

94.55

0.00

2,170.32

0.00

88.18

0.00

13.76

11

2,500.00

3,000.00

350

21,811

1.48

92.11

1,064.82

16,835.71

1.36

21.54

0

52

0.00

94.55

0.00

2,170.32

0.00

88.18

0.00

12.89

12

3,000.00

4,000.00

436

22,247

1.84

93.95

1,705.82

18,541.53

2.18

23.73

1

53

1.82

96.36

5.53

2,175.85

0.22

88.41

0.32

11.73

13

4,000.00

5,000.00

263

22,510

1.11

95.06

1,336.94

19,878.47

1.71

25.44

1

54

1.82

98.18

235.35

2,411.20

9.56

97.97

17.60

12.13

14

5,000.00

7,500.00

338

22,848

1.43

96.49

2,240.31

22,118.79

2.87

28.30

0

54

0.00

98.18

0.00

2,411.20

0.00

97.97

0.00

10.90

15

7,500.00

10,000.00

156

23,004

0.66

97.15

1,505.86

23,624.65

1.93

30.23

0

54

0.00

98.18

0.00

2,411.20

0.00

97.97

0.00

10.21

16

10,000.00

20,000.00

274

23,278

1.16

98.30

4,211.93

27,836.57

5.39

35.62

0

54

0.00

98.18

0.00

2,411.20

0.00

97.97

0.00

8.66

17

20,000.00

50,000.00

238

23,516

1.01

99.31

8,349.99

36,186.57

10.68

46.31

0

54

0.00

98.18

0.00

2,411.20

0.00

97.97

0.00

6.66

18

50,000.00

100,000.00

61

23,577

0.26

99.57

4,938.63

41,125.19

6.32

52.63

1

55

1.82

100.00

50.00

2,461.20

2.03

100.00

1.01

5.98

19

100,000.00

500,000.00

89

23,666

0.38

99.94

20,760.84

61,886.03

26.57

79.19

0

55

0.00

100.00

0.00

2,461.20

0.00

100.00

0.00

3.98

20

500,000.00

14

23,680

0.06

100.00

13,794.91

75,680.94

17.65

96.84

0

55

0.00

100.00

0.00

2,461.20

0.00

100.00

0.00

3.25

2,466.26

78,147.20

3.16

100.00

0

55

0.00

100.00

0.00

2,461.20

0.00

100.00

0.00

3.15

UP

* ) Multilocation



Peta 7.1 / Map 7.1


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

:

Statistik Asuransi Gempa Bumi Indonesia 2010

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


Lampiran 1/ Attachment 1

TARIF ASURANSI GEMPA BUMI TAHUN 2010

Tariff in %o (mil)

DEFINISI COMMERCIAL AND INDUSTRIAL

:

Obyek selain okupasi dwelling house (kode okupasi selain : 2976)

 Steel Frame

:

struktur bangunan rangkanya

yang

menggunakan

Baja

sebagai

 Wood

:

struktur bangunan rangkanya

yang

menggunakan

kayu

sebagai

 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

:

Obyek dengan kode okupasi 2976

DWELLING HOUSE

 Steel, Wood or RC : Frame

struktur bangunan rumah tinggal dengan konstruksi baja, beton bertulang atau rangka kayu

 Others

struktur bangunan rumah tinggal selain konstruksi baja, beton bertulang atau rangka kayu termasuk bangunan rumah tinggal yang terbuat dari susunan batu tanpa rangka

Catatan:

:

Basement diperhitungkan dalam menentukan jumlah lantai bangunan bertingkat. Statistik Asuransi Gempa Bumi Indonesia 2010


FIRST LOSS SCALE % of

% of

% of

% of

% of

% of

Values

Total Premium

Values

Total Premium

Values

Total Premium

100.00

100.00

54.00

85.80

8.00

56.00

99.00

99.60

53.00

85.60

7.50

55.00

98.00

99.20

52.00

85.40

7.00

54.00

97.00

98.80

51.00

85.20

6.00

52.00

96.00

98.40

50.00

85.00

5.00

50.00

95.00

98.00

49.00

84.70

4.90

49.50

94.00

97.60

48.00

84.46

4.80

49.00

93.00

97.20

47.00

84.21

4.70

48.50

92.00

96.80

46.00

83.90

4.60

48.00

91.00

96.40

45.00

83.60

4.50

47.50

90.00

96.00

44.00

83.30

4.40

47.00

89.00

95.60

43.00

83.00

4.30

46.50

88.00

95.20

42.00

82.80

4.20

46.00

87.00

94.80

41.00

82.53

4.10

45.50

86.00

94.40

40.00

82.20

4.00

45.00

85.00

94.00

39.00

81.87

3.90

44.50

84.00

93.60

38.00

81.54

3.80

44.00

83.00

93.20

37.00

81.21

3.70

43.50

82.00

92.80

36.00

80.88

3.60

43.00

81.00

92.40

35.00

80.55

3.50

42.50

80.00

92.00

34.00

80.22

3.40

42.00

79.00

91.60

33.00

80.00

3.30

41.50

78.00

91.20

32.00

79.37

3.20

41.00

77.00

90.80

31.00

78.75

3.10

40.50

76.00

90.40

30.00

78.12

3.00

40.00

75.00

90.00

29.00

77.50

2.90

39.75

74.00

89.80

28.00

76.87

2.80

39.50

73.00

89.60

27.00

76.25

2.70

39.25

72.00

89.40

26.00

75.62

2.60

39.00

71.00

89.20

25.00

75.00

2.50

38.75

70.00

89.00

24.00

74.00

2.40

38.50

69.00

88.80

23.00

73.00

2.30

38.25

68.00

88.60

22.00

72.00

2.20

38.00

67.00

88.40

21.00

71.00

2.10

37.75

66.00

88.20

20.00

70.00

2.00

37.50

65.00

88.00

19.00

69.00

1.90

37.00

64.00

87.80

18.00

68.00

1.80

36.50

63.00

87.60

17.00

67.00

1.70

36.00

62.00

87.40

16.00

66.00

1.60

35.50

61.00

87.20

15.00

65.00

1.50

35.00

60.00

87.00

14.00

64.00

1.40

34.50

59.00

86.80

13.00

63.00

1.30

34.00

58.00

86.60

12.00

62.00

1.20

33.50

57.00

86.40

11.00

61.00

1.10

33.00

56.00

86.20

10.00

60.00

1.00

32.50

55.00

86.00

9.00

58.00



TARIF SUKU PREMI KURANG DARI 12 BULAN JANGKA WAKTU

PROSENTASI TARIF TAHUNAN

3 hari 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 Iebih dari 11 bulan dihitung tarip suku premi penuh

5% 10% 20% 25% 30% 40% 50% 60% 70% 75% 80% 85% 90% 95%


Statistik Asuransi Gempa Bumi Indonesia 2010

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