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PT Reasuransi MAIPARK Indonesia

MAIPARK, Statistik, 06/2015

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

Dear Sir / Madam,

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

Kata Pengantar Foreword

Yasril Y. Rasyid

President Director

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Hal.

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

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

Informasi Statistik ............................................... vii

Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2015 ................................................

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

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

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

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

E. Incurred Claim ............................................ 5

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

Tabel 2.1. Exposure Per Cresta Zone ........... 10

Tabel 2.2. Exposure Per Okupasi ................... 12

Tabel 2.3. Exposure Per Interest.................... 14

Tabel 2.4. Exposure Per Provinsi ................... 16

Tabel 2.5. Exposure Per Kelas Konstruksi ...... 17

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

Tabel 3.1. Gross Premium Per Cresta Zone .. 19

Tabel 3.2. Gross Premium Per Okupasi ......... 21

Tabel 3.3. Gross Premium Per Provinsi ......... 23

Tabel 3.5. Gross Premium Per Kelas Konstruksi ...................................................................... 24

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

Tabel 4.1. Jumlah Risiko Per Cresta Zone ..... 26

Tabel 4.2. Jumlah Risiko Per Okupasi ............ 28

Tabel 4.3. Jumlah Risiko Per Kelas Konstruksi

...................................................................... 30

Klaim Asuransi Gempa Bumi Indonesia .............. Tabel 5.1. Klaim Frekwensi Per Cresta Zone.. 32

Tabel 5.2. Klaim Frekwensi Per Okupasi ....... 34

Page

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

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

Statistic Information .......................................... vii

Statistic Overview of Indonesian Earthquake Insurance June 2015 ..............................................

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

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

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

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

E. Incurred Claim ............................................ 5

Indonesian Earthquake Insurance Exposure ......

Table 2.1. Exposure By Cresta Zone ............ 10

Table 2.2. Exposure By Occupation .............. 12

Table 2.3. Exposure By Interest .................... 14

Table 2.4. Exposure By Province .................. 16

Tabel 2.5. Exposure By Construction Class .... 17

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

Table 3.1. Gross Premium By Cresta Zone ... 19

Table 3.2. Gross Premium By Occupation .... 21

Table 3.3. Gross Premium By Province ......... 23

Table 3.5. Gross Premium By Construction Class ...................................................................... 24

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

Table 4.1. Number of Risk By Cresta Zone ... 26

Table 4.2. Number of Risk By Occupation .... 28

Table 4.3. Number of Risk By Construction Class ...................................................................... 30

Indonesian Earthquake Insurance Claim ............ Table 5.1. Claim Frequency By Cresta Zone .. 32

Table 5.2. Claim Frequency By Occupation….34

Daftar Isi Content

s

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Tabel 5.4.. Klaim Per Cresta Zone ................. 36

Tabel 5.5. Klaim Per Okupasi ........................................... …………………........38

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

Underwriting Year 2011 - 2015,

Seluruh Okupasi ........................................... 40

Underwriting Year 2015, Seluruh Okupasi ... 41





Profil Risiko dan Klaim Underwriting Year 2015 Per Okupasi ............................................................

Okupasi Agrikultural ..................................... 46

Okupasi Komersial ........................................ 47

Okupasi Industrial ........................................ 48

Okupasi Residensial ...................................... 49











Table 5.4. Claim By Cresta Zone . ............ …….36

Table 5.5 Claim By Occupation ................ …..38

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

Underwriting Year 2011 - 2015,

All Occupation .............................................. 40

Underwriting Year 2015, All Occupation ..... 41





Risk and Loss Profile Underwriting Year 2015 By Occupation …. ...................................................

Agricultural Occupation ................................ 46

Commercial Occupation ............................... 47

Industrial Occupation ................................... 48

Residential Occupation ................................ 49



Commercial Occupation ............................... 51

Industrial Occupation ................................... 52

Residential Occupation ................................ 53



Commercial Occupation ................................ 55

Industrial Occupation .................................... 56

Residential Occupation ................................. 57

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Okupasi Komersial......................................... 63

Okupasi Industrial ......................................... 64

Okupasi Residential ....................................... 65

Exposure, Premi Bruto, Jumlah Risiko dan Klaim Asuransi Gempa Bumi Indonesia .........................

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2011 .... 66

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Cresta Zone, Underwriting Year 2012 ..... 67





Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2011 .......... 71

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Okupasi, Underwriting Year 2012 ........... 72









Risk and Loss Profile Underwriting Year 2011 By Occupation .......................................................





Indonesian Earthquake Insurance Exposure, Gross Premium, Number of Risks and Claim .....

Exposure, Gross Premium, Number of Risks & Claim by Cresta Zone, UY 2011 ………………….66

Exposure, Gross Premium, Number of Risks & Claim by Cresta Zone, UY 2012 ..................... 67





Exposure, Gross Premium, Number of Risks & Claim by Occupation, UY 2011 …………………..71

Exposure, Gross Premium, Number of Risks & Claim by Occupation, UY 2012 ...................... 72




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Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2011 .......... 76

Exposure, Premi Bruto, Jumlah Risiko & Klaim per Provinsi, Underwriting Year 2012 ........... 77




Peta

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 30 Juni 2015 …….. ..................................................... 81

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2015 …… ................................ 82

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 30 Juni 2015, Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred UY 2015…………………………………………………………..83

Ulasan Aktuaria……………………………….…………84

Lampiran

1. Daftar Istilah .......................................... 93

2. Tarif Asuransi Gempa Bumi Indonesia …. ................................................................ 95

3. Skala First Loss ....................................... 97

4. Tabel jangka Waktu Pertanggungan Kurang Dari Satu Tahun ........................ 98

5. Skala Indemnity Period .......................... 99

6. Tabel Cresta Zone dan Zona ……………….100


Exposure, Gross Premium, Number of Risks & Claim by Province, UY 2011 ……………………….76

Exposure, Gross Premium, Number of Risks & Claim by Province, UY 2012 .......................... 77




Map

Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2015, as at 30 June 2015 ..................................................... 81

Indonesian Earthquake Distribution M > 5 and Claim Incurred 2015 …………………………..………. ...................................................................... 82

Indonesian Earthquake Exposure Distribution By Province, Underwriting Year 2015, as at 30 June 2015, Indonesian Earthquake Distribution M > 5 and Claim Incurred 2015.. ................... 83

Actuarial Commentary ……..…………….…………84

Attachments

1. Glossaries .............................................. 93

2. Indonesian Earthquake Insurance Tariff .. ............................................................... 95

3. First Loss Scale ................... …………………97

4. Short Period Table Less Than One Year

Period………………………………………………….98

5. Indemnity Period Scale…………………………99

6. Cresta Zone and Zone Table………………100

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Referensi

1. Otoritas Jasa Keuangan (OJK).

2. Badan Pusat Statistik (BPS).

*) Laporan Statistik ini dapat diperoleh di website

PT Reasuransi MAIPARK Indonesia

www.maipark.com

Reference

1. Financial Services Authority (OJK).

2. Central of Statistics Bureau (BPS).

*) Statistic Report is available on PT Reasuransi

MAIPARK Indonesia‘s Website

www.maipark.com

http://www.maipark.com/

http://www.maipark.com/

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1. Statistik dibuat berdasarkan Underwriting Year yang tercatat sampai dengan posisi 30 Juni2015.

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

one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah sebagai berikut: 2.1.1 Untuk daerah Jawa Barat, Banten dan DKI:

5% (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2.500.000,00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2010, 2011 dan 2012.

5% (lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 25.000.000.000,00 (dua puluh lima miliar Rupiah) atau yang setara dengan USD 2.631.578,00 (dua juta enam ratus tiga puluh satu lima ratus tujuh puluh delapan Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis

1. Statistic Report is based on Underwriting

Year basis, which is recorded as at 30 June 2015.

2. Cession Limit

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

DKI: 5% (five percent) of the

total sum insured, being a maximum of USD 2,500,000.00 (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2010, 2011 and 2012.

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

Informasi Statistik Statistic Information

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Untuk Underwriting Year 2013.

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

prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum USD 2.500.000,00 (dua juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2010, 2011 dan 2012.

25% (dua puluh lima prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 25.000.000.000,00 (dua puluh lima miliar Rupiah) atau yang setara dengan USD 2.631.578,00 (dua juta enam ratus tiga puluh satu lima ratus tujuh puluh delapan Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2013.

2.1.3 Terhitung sejak 1 Januari 2014 Limit Sesi atas setiap risiko (any one risk) untuk gabungan kerugian fisik dan gangguan usaha adalah: 15% (lima belas

prosen) dari jumlah seluruh

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

percent) of the total sum insured, being a maximum of USD 2,500,000.00 (two million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2010, 2011 and 2012.

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

2.1.3. Since January 1, 2014, Cession Limit of any one risk for the combined material damage and business interruption is : 15% (fifteen percent)

of the total sum

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pertanggungan (total sum insured) maksimum USD 3.500.000,00 (tiga juta lima ratus ribu Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2014.

15% (lima belas prosen) dari jumlah seluruh pertanggungan (total sum insured) maksimum Rp. 35.000.000.000,00 (tiga puluh lima miliar Rupiah) atau yang setara dengan USD 3.043.478,26 (tiga juta empat puluh tiga ribu empat ratus tujuh puluh delapan koma dua puluh enam Dollar Amerika) atas setiap risiko, setiap perusahaan asuransi atau penerbit polis untuk Underwriting Year 2015.

2.2. Yang dimaksud dengan setiap

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

insured, being a maximum of USD 3,500,000.00 (three million five hundred thousand U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2014.

15% (twenty five percent) of the total sum insured, being a maximum of Rp.35,000,000,000.00 (thirty five billion Indonesian Rupiahs) or equal to USD 3,043,478.26 (three million fourty three thousand four hundred seventy eight point twenty six U.S. Dollars) for any one risk, each insurance company or policy issuer for Underwriting Year 2015.

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

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2.3 Dalam hal penutupan secara First

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

2.4 Untuk risiko yang ditutup secara ko-asuransi, jumlah maksimum sesi dari semua anggota ko-asuransi adalah sesuai dengan ketentuan yang diatur dalam 2.1 diatas. Sesi masing-masing perusahaan adalah proporsional sebanding sahamnya dalam ko-asuransi.

Dalam hal terdapat penutupan lain selain polis ko-asuransi tersebut pada obyek pertanggungan yang sama, perusahaan asuransi tetap dapat mensesikan risiko dimaksud, dengan catatan jumlah seluruh sesi perusahaan asuransi bersangkutan tidak melebihi ketentuan yang diatur pada butir 2.1.

2.3 In First Loss Basis / Sub Limit

policies, the amount ceded is stipulated in point 2.1 above, then multiplied by the percentage of First Loss Scale.

2.4 For risks which are covered by co-

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

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

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

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

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

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

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

4. Obyek Pertanggungan

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

4.1.1. Kerusakan Fisik:

Bangunan Pondasi Penggalian dan Sejenisnya Persediaan Barang Lain-lain

4.1.2 Gangguan Usaha: Keuntungan Bruto Upah Kenaikan Biaya

Operasional Lain-lain

4.2 Penutupan sebagaimana dimaksud

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

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

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

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

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

3.4. Premium calculation for business

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

4. Insured Object

4.1. Insured object which can be ceded is fire insurance object such as: 4.1.1. Material damage:

Building Foundation Excavation and

the like Stock Others

4.1.2. Business Interruption Gross Profit Wages Increase in cost of

working Others

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

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

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A. Umum

Berdasarkan data Badan Pusat Statistik,

Perekonomian Indonesia pada triwulan II-2015

sebagaimana diukur dari Produk Domestik

Bruto (PDB), tumbuh sebesar 3,78 %

dibandingkan triwulan I-2015 (q-to-q). Nilai

Produk Domestik Bruto (PDB) Indonesia atas

dasar harga konstan 2010 pada triwulan II-2015

mencapai Rp. 2.239,3 triliun sedangkan pada

triwulan I-2015 sebesar Rp.2.157,8 triliun. Bila

dilihat berdasarkan harga berlaku, PDB triwulan

II-2015 adalah sebesar Rp. 2.866,9 triliun

sedangkan triwulan I-2015 adalah Rp. 2.728,8

triliun.

B. Struktur Pasar

Berdasarkan data Otoritas Jasa Keuangan

pada buku Direktori Perasuransian Indonesia

2014: Industri Keuangan Non Bank

Perasuransian, terdapat 82 perusahaan

asuransi umum yang memiliki izin beroperasi di

Indonesia.

C. Premi Bruto

Sampai dengan 30 Juni 2015, premi bruto

asuransi gempa bumi Underwriting Year 2011

adalah sebesar Rp. 2.821,3 miliar. Premi bruto

untuk Underwriting Year 2012 tercatat

A. General Based on Central of Statistics Bureau Data,

Indonesian economic in second quarter 2015 as

measured by Gross Domestic Product (GDP)

increased by 3.78 % compared with first quarter

2015 (q-to-q). Gross Domestic Product (GDP)

based on Constant Price 2010 in second quarter

2015 reached the amount of Rp. 2,239.3 trillion

while in first quarter 2015 was Rp. 2,157.8

trillion. If it is based on Current Market Price,

GDP in second quarter 2015 was Rp. 2,866.9

trillion while in first quarter 2015 was Rp. 2,728.8

trillion.

B. Market Structure

Based on Financial Services Authority data

in the book of Indonesian Insurance Directory

2014: Non Bank Financial Institution Insurance,

there are 82 general insurers having operating

licenses in Indonesia.

C. Gross Premium

As at 30 June 2015, earthquake gross

premium for Underwriting Year 2011 was Rp.

2,821.3 billion. Gross premium for Underwriting

Year 2012 was recorded

Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2015 Statistic Overview of Indonesia Earthquake Insurance June 2015

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Rp. 2.645,4 miliar, sedangkan untuk

Underwriting Year 2013 adalah Rp. 4.251,8

miliar. Untuk Underwriting Year 2014 dan 2015

adalah Rp. 4.242,6 miliar dan Rp. 749,7 miliar.

Angka – angka ini akan terus bergerak naik

terutama untuk Underwriting Year 2014 dan

2015.

Tabel 1.1 di bawah ini menyajikan rincian

premi bruto berdasarkan jenis okupasi dari

Underwriting Year 2011 hingga Underwriting

Year 2015. Prosentase okupasi Industrial selalu

berada pada posisi pendapatan tertinggi

dibanding 3 (tiga) okupasi lainnya (Agrikultural,

Komersial, Residensial), yaitu di atas 47% dari

total premi.

Meskipun okupasi Komersial, Residensial

dan Agrikultural tidak memberikan kontribusi

premi sebesar okupasi Industrial, namun ketiga

okupasi tersebut memperlihatkan pertumbuhan

premi yang cukup signifikan. Hal ini terlihat

terutama pada premi okupasi Komersial pada

Underwriting Year 2013 yang meningkat

sebesar 165,3% dari Rp. 646.139,75 juta di

Underwriting Year 2012 menjadi Rp.

1.714.074,27 juta.

Rp. 2,645.4 billion, while for Underwriting Year

2013 was Rp. 4,251.8 billion. For Underwriting

Year 2014 and 2015 were Rp. 4,242.6 billion

and Rp. 749.7 billion. These figures would

certainly increase especially for Underwriting

Year 2014 and 2015.

The table 1.1 below shows the details of

gross premium based on occupation from

Underwriting Year 2011 to Underwriting Year

2015. Industrial occupation always has the

biggest percentage income compared to 3

(three) remaining occupations (Agricultural,

Commercial, Residential), that is above 47 %

from premium total.

Although occupation of Commercial,

Residential and Agricultural do not contribute

premium as much as Industrial occupation,

those three occupation show significant

premium growth. In this case, the premium

under Commercial occupation in Underwriting

Year 2013 increased by 165.3% from Rp.

646,139.75 million in Underwriting Year 2012 to

Rp. 1,714,074.27 million.

Dalam Jutaan Rupiah

In Million Rupiah

2011 23,897.32 0.85% 758,200.03 26.87% 1,696,811.05 60.14% 342,414.01 12.14% 2,821,322.40

2012 29,419.23 1.11% 646,139.75 24.43% 1,623,908.96 61.39% 345,921.69 13.08% 2,645,389.64

2013 34,917.83 0.82% 1,714,074.27 40.31% 2,028,735.96 47.71% 474,108.51 11.15% 4,251,836.57

2014 24,913.07 0.59% 918,279.91 21.64% 2,679,945.46 63.17% 619,512.25 14.60% 4,242,650.69

2015 2,213.84 0.30% 211,342.54 28.19% 409,408.22 54.61% 126,734.87 16.90% 749,699.47

T O T A L 115,361.29 4,248,036.51 8,438,809.64 1,908,691.33 14,710,898.77

Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 30 Juni 2015

Table 1.1 Gross Premium and Ratio By Occupation as at 30 June 2015

Underwriting

Year

Okupasi

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

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D. Jumlah Risiko

Tabel 1.2 di bawah ini menyajikan jumlah

risiko pada Underwriting Year 2011 hingga

Underwriting Year 2015 yang tercatat sampai

dengan 30 Juni 2015.

D. Number of Risks

Table 1.2 below shows the number of risks

from Underwriting Year 2011 to Underwriting

Year 2015 recorded until 30 June 2015.

Agricultural, 482

Commercial, 100,292 Industrial, 18,252

Residential, 69,467

Agricultural, 420

Commercial, 109,009

Industrial, 17,159

Residential, 84,794

Agricultural, 59

Commercial, 20,377

Industrial, 3,079

Residential, 25,468

Number of Risk By OccupationAs at 30 Jun 2015

Agricultural, 379

Commercial, 91,426

Industrial, 14,997

Residential, 59,138

Agricultural, 420

Commercial, 94,389

Industrial, 17,099

Residential, 61,189

UY 2011

UY 2014 UY 2015

UY 2012

UY 2013

Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 30 Juni2015

Table 1.2 Number of Risk By Occupation as at 30 June 2015

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

Agricultural / Agricultural A 379 0.23 420 0.24 482 0.26 420 0.20 59 0.12

Komersial / Commercial C 91,426 55.10 94,389 54.53 100,292 53.21 109,009 51.57 20,377 41.60

Industrial / Industrial I 14,997 9.04 17,099 9.88 18,252 9.68 17,159 8.12 3,079 6.29

Residensial / Residential R 59,138 35.64 61,189 35.35 69,467 36.85 84,794 40.11 25,468 51.99

165,940 100.00 173,097 100.00 188,493 100.00 211,382 100.00 48,983 100.00

Occupation

Jumlah / Total

Okupasi U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015

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Jumlah risiko terbesar untuk setiap

Underwriting Year, dalam hal ini dari

Underwriting Year 2011 sampai dengan

Underwriting Year 2015 ada pada okupasi

Komersial, yaitu selalu berada pada rasio di atas

41% dari total risiko. Kemudian diikuti oleh

okupasi Residensial dengan rasio di atas 35%.

Jika terdapat asosiasi antara kontribusi

premi dengan banyaknya risiko maka belum

tentu asosiasi tersebut berbentuk linear dan

positif. Hal ini dibuktikan dengan apabila melihat

dari premi bruto tertinggi berada di okupasi

industrial sedangkan banyak risiko tertinggi

berada pada okupasi komersial.

Berdasarkan data okupasi, okupasi

Komersial terdiri dari beberapa kode okupasi.

Jumlah risiko terbesar berdasarkan kode

okupasi di Underwriting Year 2011 – 2015

adalah sebagai berikut:

Okupasi Residensial terdiri dari beberapa kode

okupasi. Jumlah risiko terbesar berdasarkan

kode okupasi di Underwriting Year 2011 – 2015

adalah sebagai berikut:

The highest number of risks for each

Underwriting Year, in this case from

Underwriting Year 2011 to Underwriting Year

2015, is under Commercial occupation, which is

always on the ratio above 41% from the total

risk. Then, it is followed by Residential

occupation with ratio above 35%.

If there is any association between the

premium contribution and the number of risks

then the association is not necessarily linear nor

positive. This is proved which the highest gross

premium is on the industrial occupation while the

highest total risk is under commercial

occupation.

Based on occupation data, Commercial

occupation consist of several occupation codes.

The highest number of risks by occupation code

in Underwriting Year 2011 – 2015 are as follows:

Residential occupation consist of several

occupation codes. The highest number of risks

by occupation code in Underwriting Year 2011 –

2015 are as follows:

U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015

Jumlah / Total Jumlah / Total Jumlah / Total Jumlah / Total Jumlah / Total

Shops 2934 0 0 0 25,737 5,096

Shops - Subject to Waranty A 29341 22,158 22,998 15,962 0 0

Private Warehouses and

Storehouses - Subject to

Warranty A

29371 12,800 12,980 14,291 0 0

Veem and Bonded Warehouses -

Subject to Warranty A293941 1 2 3 0 0

34,959 35,980 30,256 25,737 5,096

Description & Occupation Code

Jumlah / Total

Deskripsi & Kode Okupasi

Jumlah Risiko Terbesar pada Okupasi Komersial Berdasarkan Kode Okupasi per 30 Juni 2015

The Highest Number Of Risk in Commercial Occupation as at 30 June 2015 by Occupation Code

U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015

Jumlah / Total Jumlah / Total Jumlah / Total Jumlah / Total Jumlah / Total

Private Warehouses and

Storehouses - Subject to

Warranty A

2976 35,956 35,385 34,065 46,956 14,530

35,956 35,385 34,065 46,956 14,530

Jumlah Risiko Terbesar pada Okupasi Residensial Berdasarkan Kode Okupasi per 30 Juni 2015

The Highest Number Of Risk in Residential Occupation as at 30 June 2015 by Occupation Code

Deskripsi & Kode Okupasi

Description & Occupation Code

Jumlah / Total

5


E. Incurred Claim

Berdasarkan tabel 1.3 di bawah ini,

frekuensi klaim gempa bumi paling banyak

terjadi di Underwriting Year 2011 yaitu sebanyak

87 klaim dan didominasi okupasi Komersial

sebanyak 62 klaim. Hal ini disebabkan oleh

kejadian gempa bumi di 2011 yaitu Gempa Bumi

Nusa Dua pada tanggal 13 Oktober 2011

dengan kekuatan 6,8 S.R dan Gempa Bumi

Sibolga pada tanggal 6 November 2011 dengan

kekuatan 6,7 S.R.

E. Incurred Claim

Based on table 1.3 below, the highest

earthquake claim frequency occurred in

Underwriting Year 2011 was 87 claims and it

dominated by Commercial occupation of 62

claims. It was caused by Earthquakes in 2011

namely Nusa Dua Earthquake on 13 October

2011 with a magnitude of 6.8 S.R and Sibolga

Earthquake on 6 November 2011 with a

magnitude of 6.7 S.R.

2011 2012 2013 2014 2015

Agrikultural / Agricultural A 0 0 0 0 0

Komersial / Commercial C 62 14 45 7 0

Industrial / Industrial I 0 0 5 0 0

Residensial / Residential R 25 1 7 2 0

87 15 57 9 0

Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2015

Table 1.3 Claim Frequency By Occupation as at 30 June 2015

Occupation

Jumlah / Total

Underwriting YearOkupasi

6


Berdasarkan Tabel 1.4 dan grafik di bawah

ini terlihat bahwa untuk frekwensi klaim tinggi

berada pada Total Incurred Claim yang relative

kecil, sedangkan untuk frekwensi klaim kecil

berada pada Total Incurred Claim yang relative

besar.

Based on table 1.4 and graph below it can

be seen that the high frequency claims lies in

relatively small Total Claim Incurred, while low

frequency claims lies in relatively big Total Claim

Incurred.

*) Dalam Rupiah

*) In Rupiah

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

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

0 - 50 8 192,541,051 24,067,631 50,000,000 4,136,951

50 - 100 2 118,711,030 59,355,515 62,328,097 56,382,933

100 - 200 1 200,000,000 200,000,000 200,000,000 200,000,000

200 - 300 2 521,621,500 260,810,750 263,572,500 258,049,000

300 - 500 2 687,668,400 343,834,200 355,000,000 332,668,400

500 - 750 0 0 0 0 0

750 - 1,000 0 0 0 0 0

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

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

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

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

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

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

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

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

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

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

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

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

500,000 - up 0 0 0 0 0

15 1,720,541,981

Claim Incurred (BAND)*)

Incurred Claim (BAND) *)

Total

Tabel 1.4 Frekwensi Incurred Claim Underwriting Year 2012 Per 30 Juni 2015

Table 1.4 Frequency Incurred Claim Underwriting Year 2012 as at 30 June 2015

7


Dengan melihat tabel 1.5 tampak bahwa

jumlah klaim terbesar berada pada Underwriting

Year 2013. Klaim yang terbesar adalah pada

okupasi Komersial, yaitu 99,40% dari total klaim

di Underwriting Year 2013 atau sebesar Rp.

306,2 miliar.

Tabel 1.6 di bawah ini menyajikan kejadian

Gempa Bumi Tahun 2015 dan Incurred Claim

sampai dengan 30 Juni 2015.

Looking at table 1.5 below, it shows that the

largest claim is in the Underwriting Year 2013.

The largest claim is under Commercial

occupation that is 99.40% of the total claim in

Underwriting Year 2013 or Rp. 306.2 billion.

Table 1.6 below shows earthquake events

occurred in 2015 and the corresponding

incurred claims as at 30 June 2015.

Table 1.5 Claim Amount By Occupation as at 30 June 2015

Dalam Rupiah

In Rupiah

2011 2012 2013

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

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

Komersial / Commercial C 6,375,313,072.29 95.80 1,670,541,980.54 97.09 306,212,972,292.31 99.40 1,228,599,676.05 94.69 0.00 0.00

Industrial / Industrial I 0.00 0.00 0.00 0.00 1,750,356,290.96 0.57 0.00 0.00 0.00 0.00

Residensial / Residential R 279,739,660.04 4.20 50,000,000.00 2.91 99,244,211.73 0.03 68,916,625.00 5.31 0.00 0.00

6,655,052,732.33 100.00 1,720,541,980.54 100.00 308,062,572,795.00 100.00 1,297,516,301.05 100.00 0.00 0.00

2015

Jumlah / Total

Underwriting Year

Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 30 Juni 2015

2014Okupasi

Occupation

8


Tabel 1.7 di bawah ini menyajikan klaim

untuk event Manado perjenis okupasi.

Tabel di bawah ini adalah daftar klaim

terbesar sampai dengan tanggal 30 Juni 2015.

Table 1.7 shows Manado event by

occupation.

The table below is a list of the largest claims

as at 30 June 2015.

Dalam Rupiah

In Rupiah

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

Event Date of Loss Magnitude (S.R) Claim

1 ACEH 26-12-2004 9 782,649,961,586.18

2 YOGYA 27-05-2006 5.9 268,635,542,386.91

3 PADANG 06-03-2007 5.8 22,224,113,241.32

4 BENGKULU 12-09-2007 7.9 49,044,007,333.60

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

6 TASIKMALAYA 02-09-2009 7.3 24,400,937,277.87

7 PARIAMAN 30-09-2009 7.6 1,082,395,841,788.55

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

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

10 KELUD 13-02-2014 *) 113,296,619,876.55

*) Penyebab terka it letusan gunung berapi

Caused by volcanic eruption

Daftar Klaim - Klaim Terbesar Posisi 30 Juni 2015

List of The Largest Claims as at 30 June 2015

Tabel 1.7 Kejadian Gempa Bumi Tahun 2015 dan Klaim per Okupasi per 30 Juni 2015

Table 1.7 Earthquake Event in 2015 and Claim per Occupation as at 30 June 2015

Event Date of Loss

Agrikultural / Komersial / Industrial / Residensial /

Agricultural Commercial Industrial Residential

Manado 19-Mar-15 0 1 0 0 0.00 367,160,000.00 0.00 0.00

Residensial /

Residential

Agrikultural /

Agricultural

Komersial /

Commercial

Industrial /

Industrial

Kejadian Tanggal Kejadian

Okupasi

Occupation

Frekwensi

Frequency

Jumlah (Dalam Rupiah)

Amount (In Rupiah)

Tabel 1.6 Kejadian Gempa Bumi Tahun 2015 dan Klaim per 30 Juni 2015

Table 1.6 Earthquake Event in 2015 and Claim as at 30 June 2015

Dalam Rupiah

In Rupiah

Kejadian Tanggal Kejadian Kekuatan Gempa (S.R)

Event Date of Loss Magnitude (S.R)

Manado 19-Mar-15 5.2 SR 367,160,000.00

Klaim

Claim

9


Tabel 1.8 menyajikan data jumlah polis dan

loss ratio per 30 Juni 2015. Tabel tersebut

menunjukkan bahwa loss ratio tertinggi berada

pada Underwriting Year 2013 sebesar 7,25%.

Hal ini dipengaruhi oleh nilai klaim yang cukup

tinggi yang mayoritas disebabkan dari Erupsi

Gunung Kelud tahun 2014.

Tabel 1.9 menyajikan Premi dan Exposure

per 30 Juni 2015.

Table 1.8 shows number of policies, and

loss ratio as at 30 June 2015. The table show

that the biggest loss ratio was at Underwriting

Year 2013 i.e. 7.25%. It was influenced by large

amount of claim that majority resulting from

Kelud Eruption in 2014.

Table 1.9 shows Premium and Exposure as

at 30 June 2015.

Tabel 1.8 Jumlah Polis dan Loss Ratio per 30 Juni 2015

Table 1.8 Number of Policies and Loss Ratio as at 30 June 2015

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

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

2011 117,060 2,821,322,404,542.47 87 6,655,052,732.33 0.24%

2012 111,505 2,645,389,635,380.59 15 1,720,541,980.54 0.07%

2013 115,678 4,251,836,566,234.02 57 308,062,572,795.00 7.25%

2014 125,596 4,242,650,688,164.07 9 1,297,516,301.05 0.03%

2015 34,745 749,699,474,583.64 0 0.00 0.00%

Keterangan :*) Dalam Rupiah

In Rupiah

Loss Ratio

Dalam Jutaan Rupiah

In Million Rupiah

Premi Exposure

Premium Exposure

2011 2,821,322.40 2,154,508,565.60

2012 2,645,389.64 1,931,209,404.23

2013 4,251,836.57 2,605,650,673.28

2014 4,242,650.69 2,688,065,075.39

2015 749,699.47 501,167,234.30

T O T A L 14,710,898.77 9,880,600,952.80

Tabel 1.9 Premi dan Exposure per 30 Juni 2015

Table 1.9 Premium and Exposure as at 30 June 2015

Underwriting Year

10


Table 2.1 in IDR

Amount % Amount % Amount % Amount % Amount %

BANDA ACEH 1.1 4,799,061,565,236.65 0.22 3,853,109,114,587.20 0.20 4,584,417,825,419.94 0.18 6,358,619,953,498.16 0.24 455,976,230,003.88 0.09

MEDAN 1.2 46,652,172,698,019.40 2.17 39,461,037,801,624.10 2.04 47,542,841,695,945.20 1.82 52,960,197,728,466.80 1.97 15,266,930,733,632.30 3.05

OTHERS 1.3 98,732,449,809,919.40 4.58 40,046,371,005,873.30 2.07 49,388,292,913,159.30 1.90 50,050,764,200,763.80 1.86 5,459,716,930,089.16 1.09

NORTH SUMATERA 1 150,183,684,073,175.00 6.97 83,360,517,922,084.60 4.32 101,515,552,434,525.00 3.90 109,369,581,882,729.00 4.07 21,182,623,893,725.40 4.23

PADANG 2.1 16,558,741,293,262.30 0.77 18,866,092,244,302.70 0.98 27,019,846,969,932.80 1.04 29,477,769,570,121.90 1.10 4,343,731,570,576.07 0.87

PALEMBANG 2.2 15,670,152,211,490.50 0.73 18,924,640,233,255.90 0.98 22,991,302,055,908.20 0.88 18,812,054,223,542.00 0.70 2,704,718,148,459.90 0.54

OTHERS 2.3 123,060,615,053,710.00 5.71 134,125,533,745,810.00 6.95 150,261,108,880,271.00 5.77 181,058,254,439,927.00 6.74 29,600,541,769,976.90 5.91

SOUTH SUMATERA 2 155,289,508,558,463.00 7.21 171,916,266,223,368.00 8.90 200,272,257,906,112.00 7.69 229,348,078,233,590.00 8.53 36,648,991,489,012.90 7.31

JAKARTA 3.1 464,501,709,083,112.00 21.56 399,151,129,341,981.00 20.67 429,924,032,664,141.00 16.50 531,708,345,423,764.00 19.78 114,243,160,461,085.00 22.80

BANDUNG 3.2 6,881,910,055,825.06 0.32 10,941,392,878,987.80 0.57 10,455,800,182,858.20 0.40 9,865,031,172,512.33 0.37 3,383,533,867,786.94 0.68

OTHERS 3.3 607,607,677,895,557.00 28.20 655,965,204,624,330.00 33.97 974,495,125,173,158.00 37.40 884,594,173,548,510.00 32.91 175,486,957,797,968.00 35.02

WEST JAVA 3 1,078,991,297,034,490.00 50.08 1,066,057,726,845,300.00 55.20 1,414,874,958,020,160.00 54.30 1,426,167,550,144,790.00 53.06 293,113,652,126,839.00 58.49

SEMARANG 4.1 6,547,169,388,280.43 0.30 7,032,671,423,369.66 0.36 8,708,673,384,952.73 0.33 6,094,897,525,335.40 0.23 872,040,937,538.39 0.17

YOGYAKARTA 4.2 10,227,924,407,900.00 0.47 9,213,654,452,599.54 0.48 8,527,858,959,520.06 0.33 13,606,090,868,674.60 0.51 2,202,243,172,949.89 0.44

OTHERS 4.3 116,804,919,938,213.00 5.42 102,486,294,341,901.00 5.31 136,192,546,432,047.00 5.23 139,412,503,264,086.00 5.19 35,491,815,108,839.00 7.08

CENTRAL JAVA 4 133,580,013,734,394.00 6.20 118,732,620,217,870.00 6.15 153,429,078,776,519.00 5.89 159,113,491,658,096.00 5.92 38,566,099,219,327.30 7.70

SURABAYA 5.1 87,137,349,483,550.50 4.04 50,352,975,158,199.70 2.61 37,296,159,313,449.70 1.43 77,159,355,434,089.90 2.87 17,350,016,361,654.30 3.46

OTHERS 5.2 300,813,831,856,445.00 13.96 210,015,661,096,202.00 10.87 200,084,798,977,104.00 7.68 350,891,208,794,371.00 13.05 33,500,806,604,704.10 6.68

EAST JAVA 5 387,951,181,339,995.00 18.01 260,368,636,254,402.00 13.48 237,380,958,290,554.00 9.11 428,050,564,228,461.00 15.92 50,850,822,966,358.40 10.15

KALIMANTAN 6 123,120,604,752,261.00 5.71 101,269,813,257,791.00 5.24 128,063,585,552,569.00 4.91 104,335,917,881,702.00 3.88 19,654,791,173,810.90 3.92

UJUNG PANDANG 7.1 10,441,385,729,218.00 0.48 10,366,655,119,882.30 0.54 14,056,704,460,026.80 0.54 21,486,486,598,491.00 0.80 3,108,512,496,701.43 0.62

OTHERS 7.2 59,644,593,333,905.30 2.77 53,890,334,194,031.10 2.79 39,155,028,523,482.00 1.50 110,822,471,621,368.00 4.12 10,501,222,198,359.10 2.10

SULAWESI 7 70,085,979,063,123.30 3.25 64,256,989,313,913.30 3.33 53,211,732,983,508.80 2.04 132,308,958,219,859.00 4.92 13,609,734,695,060.50 2.72

OTHER ISLANDS 8 55,306,297,043,097.90 2.57 65,246,834,197,369.70 3.38 316,902,549,313,180.00 12.16 99,370,933,137,622.20 3.70 27,540,518,738,916.40 5.50

2,154,508,565,599,000.00 100.00 1,931,209,404,232,100.00 100.00 2,605,650,673,277,120.00 100.00 2,688,065,075,386,850.00 100.00 501,167,234,303,051.00 100.00

U/Y 2015

As At 30/06/2015

National Aggregate Exposure By Cresta Zone

T O T A L

U/Y 2014Cresta Zone

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

11


101,515,552.43

200,272,257.91

1,414,874,958.02

153,429,078.78 237,380,958.29

128,063,585.55

53,211,732.98

316,902,549.31

109,369,581.88

229,348,078.23

1,426,167,550.14

159,113,491.66

428,050,564.23

104,335,917.88

132,308,958.22

99,370,933.14 21,182,623.89

36,648,991.49

293,113,652.13

38,566,099.22

50,850,822.97

19,654,791.17

13,609,734.70

27,540,518.74

National Aggregate Exposure By Cresta ZoneAs at 30 Jun 2015

(In Billion IDR)

150,183,684.07

155,289,508.56

1,078,991,297.03

133,580,013.73

387,951,181.34

123,120,604.75

70,085,979.06

55,306,297.04

83,360,517.92

171,916,266.22

1,066,057,726.85

118,732,620.22

260,368,636.25

101,269,813.26

64,256,989.31

65,246,834.20 UY 2011

UY 2012

UY 2013

UY 2014 UY 2015

12



AGRICULTURAL A 20,170,306,793,199.60 0.94 23,543,592,772,030.10 1.22 25,720,200,428,711.00 0.99 19,270,163,312,967.20 0.72 1,597,018,054,605.00 0.32

COMMERCIAL C 543,583,034,082,770.00 25.23 452,326,550,885,605.00 23.42 945,213,315,483,594.00 36.28 597,476,872,879,481.00 22.23 139,793,099,008,678.00 27.89

INDUSTRIAL I 1,358,267,696,554,130.00 63.04 1,225,238,409,045,250.00 63.44 1,317,498,327,917,740.00 50.56 1,684,181,022,050,690.00 62.65 276,039,374,566,958.00 55.08

RESIDENTIAL R 232,487,528,168,908.00 10.79 230,100,851,529,218.00 11.91 317,218,829,447,078.00 12.17 387,137,017,143,709.00 14.40 83,737,742,672,810.20 16.71

2,154,508,565,599,000.00 100.00 1,931,209,404,232,100.00 100.00 2,605,650,673,277,120.00 100.00 2,688,065,075,386,850.00 100.00 501,167,234,303,051.00 100.00

U/Y 2011 U/Y 2012

Table 2.2

Occupation

As At 30/06/2015

National Aggregate Exposure By Occupation

T O T A L

U/Y 2013 U/Y 2014 U/Y 2015

in IDR

13


( In Billion IDR )

Agricultural, 25,720,200.43

Commercial, 945,213,315.48

Industrial, 1,317,498,327.92

Residential, 317,218,829.45


Commercial, 597,476,872.88

Industrial, 1,684,181,022.05



Commercial, 139,793,099.01

Industrial, 276,039,374.57


National Aggregate Exposure By OccupationAs at 30 Jun 2015


Commercial, 543,583,034.08

Industrial, 1,358,267,696.55



Commercial, 452,326,550.89

Industrial, 1,225,238,409.05


UY 2011

UY 2012

UY 2013

UY 2014UY 2015

14


Table 2.3


Building 964,149,559,051,406.00 44.75 799,375,212,157,898.00 41.39 944,225,048,709,218.00 36.24 1,141,640,488,037,040.00 42.47 216,086,403,015,337.00 43.12

Machinery 431,864,434,206,554.00 20.04 390,176,842,966,420.00 20.20 439,278,241,519,240.00 16.86 567,739,735,032,393.00 21.12 89,874,949,638,125.50 17.93

Others 254,262,184,053,071.00 11.80 276,884,980,019,862.00 14.34 473,113,463,073,476.00 18.16 303,309,137,157,491.00 11.28 89,901,024,674,904.50 17.94

Stock 284,182,162,668,283.00 13.19 281,145,992,942,971.00 14.56 324,236,732,577,797.00 12.44 382,403,614,646,182.00 14.23 63,614,494,023,336.10 12.69

Bussiness Interruption 220,050,225,619,690.00 10.21 183,626,376,144,946.00 9.51 424,797,187,397,394.00 16.30 292,972,100,513,744.00 10.90 41,690,362,951,348.10 8.32

T O T A L 2,154,508,565,599,000.00 100.00 1,931,209,404,232,100.00 100.00 2,605,650,673,277,120.00 100.00 2,688,065,075,386,850.00 100.00 501,167,234,303,051.00 100.00

National Aggregate Exposure By Interest

In IDR

InterestU/Y 2015U/Y 2013 U/Y 2014

As At 30/06/2015

U/Y 2011 U/Y 2012

15


0

200,000,000

400,000,000

600,000,000

800,000,000

1,000,000,000

1,200,000,000

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

Building

Machinery

Stock

Others

Business Interruption

National Aggregate Exposure Year By Interest As at 30 Jun 2015

( In Billion IDR )

16


Table 2.4

In IDR


01. NAD 61,716,398,867,310.90 2.86 8,242,681,344,607.12 0.43 9,005,631,873,527.51 0.35 10,502,439,335,646.30 0.39 2,012,264,836,614.09 0.40

02. SUMATERA UTARA 88,467,285,205,864.50 4.11 75,117,836,577,477.50 3.89 92,509,920,560,997.00 3.55 98,867,142,547,082.40 3.68 19,170,359,057,111.30 3.83

03. SUMATERA BARAT 23,705,405,279,292.50 1.10 26,868,884,213,511.40 1.39 37,123,475,274,657.40 1.42 40,486,344,266,288.60 1.51 5,986,661,675,010.23 1.19

04. RIAU 35,064,056,469,754.20 1.63 33,207,775,421,162.90 1.72 48,542,834,210,792.30 1.86 55,840,220,411,325.60 2.08 8,856,689,069,525.49 1.77

05. JAMBI 8,231,659,638,051.55 0.38 10,895,402,638,529.80 0.56 10,972,622,690,169.70 0.42 11,065,716,213,730.40 0.41 1,855,347,995,719.84 0.37

06. SUMATERA SELATAN 30,750,924,977,797.60 1.43 40,818,497,980,547.40 2.11 40,439,584,412,959.00 1.55 42,679,527,268,529.80 1.59 4,826,759,985,715.52 0.96

07. BENGKULU 4,060,325,847,435.66 0.19 4,433,571,477,580.84 0.23 4,865,040,259,933.02 0.19 5,523,126,676,207.22 0.21 1,043,807,349,664.97 0.21

08. LAMPUNG 27,534,812,464,501.00 1.28 28,273,311,997,973.60 1.46 26,647,584,539,396.70 1.02 37,296,673,198,166.30 1.39 6,617,915,899,229.32 1.32

09. KEP BANGKA-BELITUNG 3,156,384,885,166.98 0.15 3,770,377,555,319.56 0.20 4,527,818,073,658.99 0.17 6,068,796,886,179.60 0.23 582,196,227,782.33 0.12

10. KEPULAUAN RIAU 22,785,938,996,463.70 1.06 23,648,444,938,743.10 1.22 27,153,298,444,545.10 1.04 30,387,673,313,163.00 1.13 6,879,613,286,365.16 1.37

11. JAKARTA 464,501,709,083,112.00 21.56 399,151,129,341,981.00 20.67 429,924,032,664,141.00 16.50 531,708,345,423,764.00 19.78 114,243,160,461,085.00 22.80

12. JAWA BARAT 401,042,121,827,649.00 18.61 449,712,411,951,516.00 23.29 703,131,596,776,920.00 26.98 566,346,269,834,249.00 21.07 123,947,669,414,822.00 24.73

13. JAWA TENGAH 121,725,177,084,954.00 5.65 107,296,512,601,410.00 5.56 141,980,875,350,865.00 5.45 141,193,794,174,169.00 5.25 35,736,117,316,835.70 7.13

14. DIY 11,854,836,649,440.00 0.55 11,436,107,616,460.70 0.59 11,448,203,425,654.20 0.44 17,919,697,483,927.30 0.67 2,829,981,902,491.59 0.56

15. JAWA TIMUR 387,951,181,339,995.00 18.01 260,368,636,254,402.00 13.48 237,380,958,290,554.00 9.11 428,050,564,228,461.00 15.92 50,850,822,966,358.40 10.15

16. BANTEN 213,447,466,123,733.00 9.91 217,194,185,551,802.00 11.25 281,819,328,579,096.00 10.82 328,112,934,886,773.00 12.21 54,922,822,250,932.40 10.96

17. BALI 43,282,480,532,299.20 2.01 50,116,926,207,592.30 2.60 301,787,423,262,199.00 11.58 73,893,929,884,879.80 2.75 22,640,921,910,568.40 4.52

18. NUSA TENGGARA BARAT 3,077,047,054,149.34 0.14 3,836,383,475,500.33 0.20 4,518,812,817,725.11 0.17 11,264,593,036,683.90 0.42 909,288,695,284.98 0.18

19. NUSA TENGGARA TIMUR 1,617,483,032,767.29 0.08 2,108,314,395,720.15 0.11 1,751,136,470,512.98 0.07 2,743,753,156,344.78 0.10 394,355,918,765.46 0.08

20. KALIMANTAN BARAT 7,209,974,391,744.74 0.33 6,288,814,178,617.00 0.33 7,941,811,616,492.80 0.30 11,790,089,041,754.30 0.44 490,115,703,858.68 0.10

21. KALIMANTAN TENGAH 12,214,732,033,229.00 0.57 11,780,711,832,551.60 0.61 17,189,946,010,771.70 0.66 22,696,519,373,241.10 0.84 304,926,375,111.67 0.06

22. KALIMANTAN SELATAN 28,151,320,447,496.90 1.31 14,607,685,305,615.70 0.76 37,104,477,399,895.20 1.42 17,162,099,676,080.10 0.64 7,096,107,359,708.85 1.42

23. KALIMANTAN TIMUR 75,544,577,879,790.50 3.51 68,592,601,941,006.50 3.55 65,827,350,525,409.70 2.53 52,687,209,790,626.40 1.96 11,763,641,735,131.70 2.35

24. SULAWESI UTARA 20,475,241,127,098.30 0.95 11,198,365,054,549.50 0.58 16,568,658,936,005.30 0.64 14,917,784,138,481.30 0.55 2,291,081,855,946.92 0.46

25. SULAWESI TENGAH 2,234,831,075,451.70 0.10 2,113,379,896,386.25 0.11 4,184,131,470,697.59 0.16 3,599,334,941,830.73 0.13 2,104,338,920,152.37 0.42

26. SULAWESI SELATAN 24,508,942,520,664.60 1.14 26,708,791,622,795.70 1.38 27,529,740,570,200.40 1.06 90,455,221,307,121.20 3.37 7,721,022,935,268.02 1.54

27. SULAWESI TENGGARA 9,114,245,475,615.48 0.42 9,050,080,341,377.57 0.47 1,521,959,535,093.63 0.06 17,873,472,932,641.60 0.66 975,672,830,461.00 0.19

28. GORONTALO 12,799,702,686,629.60 0.59 14,066,940,771,299.70 0.73 2,120,342,428,357.58 0.08 2,498,949,922,224.40 0.09 230,375,284,948.23 0.05

29. SULAWESI BARAT 953,016,177,663.56 0.04 1,119,431,627,504.72 0.06 1,286,900,043,154.22 0.05 2,964,194,977,560.09 0.11 287,242,868,284.00 0.06

30. MALUKU 1,012,162,473,294.66 0.05 1,294,838,879,671.43 0.07 1,834,818,640,495.64 0.07 2,177,073,886,117.51 0.08 859,816,826,199.76 0.17

31. MALUKU UTARA 599,594,466,006.82 0.03 839,309,120,352.22 0.04 538,208,280,758.84 0.02 844,564,769,178.50 0.03 209,433,216,129.24 0.04

32. PAPUA BARAT 2,191,055,888,141.29 0.10 3,445,075,692,356.94 0.18 2,612,323,243,092.17 0.10 2,861,725,100,454.56 0.11 506,878,796,805.58 0.10

33. PAPUA 3,526,473,596,439.34 0.16 3,605,986,426,176.26 0.19 3,859,826,598,396.27 0.15 5,585,293,303,963.16 0.21 2,019,823,375,162.99 0.40

T O T A L 2,154,508,565,599,000.00 100.00 1,931,209,404,232,100.00 100.00 2,605,650,673,277,120.00 100.00 2,688,065,075,386,840.00 100.00 501,167,234,303,051.00 100.00

ProvinceU/Y 2011 U/Y 2012 U/Y 2013 U/Y 2015

National Aggregate Exposure By Province

As At 30/06/2015

U/Y 2014

17


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

Table 2.5


Com: Steel‎, ‎Wood‎, ‎RC‎ ‎≤‎‎‎9

‎storeys

1,856,579,576,097,000.00 86.17 1,696,734,961,739,510.00 87.86 2,389,232,839,374,460.00 91.69 2,360,924,486,258,620.00 87.83 435,100,061,566,000.00 86.82

Com: Steel‎, ‎Wood‎, ‎RC‎ ‎> ‎9

‎storeys

264,191,573,915,759.00 12.26 194,566,317,263,428.00 10.07 176,223,698,370,485.00 6.76 272,462,996,526,647.00 10.14 50,453,295,548,269.70 10.07

Com: Others 947,295,810,660.85 0.04 5,131,225,502,192.94 0.27 4,717,908,330,733.24 0.18 1,391,786,365,416.91 0.05 174,319,462,690.42 0.03

DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3

‎storeys

32,717,118,713,398.10 1.52 34,705,856,085,887.70 1.80 35,436,947,072,061.00 1.36 53,169,531,422,103.10 1.98 15,416,612,920,180.80 3.08

DW: ‎Others 73,001,062,189.00 0.003 71,043,641,075.00 0.00 39,280,129,388.00 0.00 116,274,814,055.00 0.00 22,944,805,910.00 0.00

T O T A L 2,154,508,565,599,000.00 100.00 1,931,209,404,232,100.00 100.00 2,605,650,673,277,120.00 100.00 2,688,065,075,386,850.00 100.00 501,167,234,303,051.00 100.00

National Aggregate Exposure By Class Construction

As At 30/06/2015

In IDR

Class ConstructionU/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015

18


Com: Steel , Wood , RC ≤ 9 storeys, 2,389,232,839.37

Com: Steel , Wood , RC > 9 storeys, 176,223,698.37

Com: Others, 4,717,908.33

DW: Steel , Wood , RC up to 3 storeys, 35,436,947.07

DW: Others, 39,280.13


Com: Steel , Wood , RC > 9 storeys,

272,462,996.53

Com: Others, 1,391,786.37


DW: Others, 116,274.81

Com: Steel , Wood , RC ≤ 9 storeys, 435,100,061.57

Com: Steel , Wood , RC > 9 storeys,

50,453,295.55 Com: Others, 174,319.46


DW: ‎Others, 22,944.81

National Aggregate Exposure By Class ConstructionAs at 30 Jun 2015

(in Billion IDR)



Com: Others, 947,295.81


DW: Others, 73,001.06



Com: Others, 5,131,225.50

DW: Steel , Wood , RC up to 3 storeys,

34,705,856.09

DW: Others, 71,043.64

UY 2011

UY 2014 UY 2015

UY 2012

UY 2013

19


Table 3.1 in IDR

U/Y 2011 U/Y 2012


BANDA ACEH 1.1 7,616,473,677.40 0.27 7,270,770,334.31 0.27 8,671,562,333.13 0.20 12,949,221,282.71 0.31 892,159,151.80 0.12

MEDAN 1.2 54,849,290,878.55 1.94 49,028,982,214.66 1.85 64,410,152,058.01 1.51 74,452,259,838.90 1.75 20,193,346,385.75 2.69

OTHERS 1.3 132,329,486,203.50 4.69 52,543,554,383.44 1.99 75,573,831,958.97 1.78 80,740,535,366.22 1.90 8,615,166,286.85 1.15

NORTH SUMATERA 1 194,795,250,759.45 6.90 108,843,306,932.41 4.11 148,655,546,350.11 3.50 168,142,016,487.83 3.96 29,700,671,824.40 3.96

PADANG 2.1 30,870,980,180.28 1.09 35,565,026,539.09 1.34 52,062,491,084.77 1.22 56,678,295,511.21 1.34 7,940,483,158.30 1.06

PALEMBANG 2.2 14,648,819,921.46 0.52 17,692,460,684.60 0.67 24,281,721,017.51 0.57 20,556,779,467.85 0.48 3,074,991,420.39 0.41

OTHERS 2.3 136,969,849,762.64 4.85 155,605,893,467.28 5.88 194,190,187,501.83 4.57 240,857,497,050.15 5.68 37,996,586,002.77 5.07

SOUTH SUMATERA 2 182,489,649,864.38 6.47 208,863,380,690.97 7.90 270,534,399,604.11 6.36 318,092,572,029.21 7.50 49,012,060,581.46 6.54

JAKARTA 3.1 669,813,175,934.73 23.74 598,194,044,611.17 22.61 693,093,334,110.39 16.30 890,739,103,076.03 20.99 181,367,105,417.01 24.19

BANDUNG 3.2 10,069,205,917.11 0.36 16,342,793,344.50 0.62 16,279,558,111.33 0.38 15,845,074,678.59 0.37 5,152,691,687.16 0.69

OTHERS 3.3 837,246,086,303.36 29.68 954,203,812,153.42 36.07 1,664,240,419,693.57 39.14 1,523,384,506,403.11 35.91 282,395,849,964.38 37.67

WEST JAVA 3 1,517,128,468,155.20 53.77 1,568,740,650,109.09 59.30 2,373,613,311,915.29 55.83 2,429,968,684,157.73 57.27 468,915,647,068.55 62.55

SEMARANG 4.1 7,986,696,304.55 0.28 8,721,154,566.99 0.33 11,545,367,381.18 0.27 8,451,156,211.20 0.20 1,158,646,719.82 0.15

YOGYAKARTA 4.2 15,336,936,026.90 0.54 14,027,570,399.90 0.53 13,260,675,808.26 0.31 21,074,808,625.71 0.50 3,398,558,663.44 0.45

OTHERS 4.3 146,322,144,818.04 5.19 128,289,542,295.50 4.85 185,359,588,031.05 4.36 195,796,480,313.85 4.61 44,821,354,617.15 5.98

CENTRAL JAVA 4 169,645,777,149.49 6.01 151,038,267,262.39 5.71 210,165,631,220.49 4.94 225,322,445,150.76 5.31 49,378,560,000.41 6.59

SURABAYA 5.1 110,500,306,327.69 3.92 64,104,661,224.53 2.42 48,078,486,375.47 1.13 108,272,703,197.61 2.55 23,796,751,706.18 3.17

OTHERS 5.2 360,789,369,393.49 12.79 259,614,064,847.87 9.81 281,458,633,926.23 6.62 512,797,353,232.03 12.09 46,794,268,170.66 6.24

EAST JAVA 5 471,289,675,721.18 16.70 323,718,726,072.40 12.24 329,537,120,301.70 7.75 621,070,056,429.64 14.64 70,591,019,876.84 9.42

KALIMANTAN 6 103,644,783,974.23 3.67 93,648,111,530.21 3.54 133,396,548,264.96 3.14 110,375,638,021.44 2.60 19,367,525,479.25 2.58

UJUNG PANDANG 7.1 9,478,927,946.13 0.34 9,898,401,546.96 0.37 14,160,625,142.90 0.33 24,461,587,772.60 0.58 3,325,115,249.15 0.44

OTHERS 7.2 93,690,275,855.82 3.32 82,540,150,406.55 3.12 63,648,397,236.51 1.50 177,246,688,297.98 4.18 15,191,585,268.44 2.03

SULAWESI 7 103,169,203,801.95 3.66 92,438,551,953.51 3.49 77,809,022,379.41 1.83 201,708,276,070.58 4.75 18,516,700,517.59 2.47

OTHER ISLANDS 8 79,159,595,116.55 2.81 98,098,640,829.61 3.71 708,124,986,197.93 16.65 167,970,999,816.88 3.96 44,217,289,235.14 5.90

2,821,322,404,542.43 100.00 2,645,389,635,380.59 100.00 4,251,836,566,234.00 100.00 4,242,650,688,164.07 100.00 749,699,474,583.64 100.00

U/Y 2015

As At 30/06/2015

National Gross Premium By Cresta Zone

T O T A L

U/Y 2014Cresta Zone

U/Y 2013

20


North Sumatera

South Sumatera

West Java

Central Java

East Java

Kalimantan

Sulawesi

Other Islands

(in Billion IDR)

148,655.55270,534.40

2,373,613.31

210,165.63

329,537.12

133,396.55

77,809.02

708,124.99

168,142.02

318,092.57

2,429,968.68

225,322.45

621,070.06

110,375.64

201,708.28

167,971.00

29,700.67

49,012.06

468,915.65

49,378.56 70,591.02

19,367.53

18,516.70

44,217.29

National Gross Premium By Cresta ZoneAs at 30 Jun 2015

194,795.25

182,489.651,517,128.47

169,645.78

471,289.68

103,644.78

103,169.20

79,159.60

108,843.31

208,863.38

1,568,740.65

151,038.27

323,718.7393,648.11

92,438.55

98,098.64

UY 2012

UY 2013

UY 2014UY 2015

UY 2011

21


U/Y 2011 U/Y 2012


AGRICULTURAL A 23,897,315,368.61 0.85 29,419,229,652.86 1.11 34,917,831,995.79 0.82 24,913,072,274.44 0.59 2,213,841,234.19 0.30

COMMERCIAL C 758,200,033,083.93 26.87 646,139,753,626.54 24.43 1,714,074,272,679.52 40.31 918,279,907,201.54 21.64 211,342,544,879.01 28.19

INDUSTRIAL I 1,696,811,048,866.14 60.14 1,623,908,958,082.86 61.39 2,028,735,955,272.71 47.71 2,679,945,456,394.16 63.17 409,408,218,483.81 54.61

RESIDENTIAL R 342,414,007,223.76 12.14 345,921,694,018.32 13.08 474,108,506,285.99 11.15 619,512,252,293.91 14.60 126,734,869,986.60 16.90

2,821,322,404,542.44 100.00 2,645,389,635,380.58 100.00 4,251,836,566,234.01 100.00 4,242,650,688,164.05 100.00 749,699,474,583.61 100.00

As At 30/06/2015

National Gross Premium By Occupation

T O T A L

U/Y 2014 U/Y 2015

in IDRTable 3.2

OccupationU/Y 2013

22


( In Billion IDR )


Commercial, 945,213,315.48

Industrial, 1,317,498,327.92



Commercial, 597,476,872.88

Industrial, 1,684,181,022.05



Commercial, 139,793,099.01

Industrial, 276,039,374.57


National Aggregate Exposure By OccupationAs at 30 Jun 2015


Commercial, 543,583,034.08

Industrial, 1,358,267,696.55



Commercial, 452,326,550.89

Industrial, 1,225,238,409.05


UY 2011

UY 2012

UY 2013

UY 2014UY 2015

23


Table 3.4

In IDR


01. NAD 87,633,935,480.81 3.11 12,339,609,702.98 0.47 16,000,089,081.17 0.38 20,609,783,323.99 0.49 4,080,010,889.93 0.54

02. SUMATERA UTARA 107,161,315,278.64 3.80 96,503,697,229.43 3.65 132,655,457,268.94 3.12 147,532,233,163.83 3.48 25,620,660,934.47 3.42

03. SUMATERA BARAT 41,474,958,579.02 1.47 48,233,293,860.42 1.82 70,756,638,221.95 1.66 77,752,878,894.61 1.83 11,061,908,127.01 1.48

04. RIAU 35,256,215,244.00 1.25 35,116,440,154.63 1.33 57,032,212,594.66 1.34 65,456,663,285.11 1.54 10,915,939,574.32 1.46

05. JAMBI 8,038,465,820.08 0.28 10,792,361,697.51 0.41 12,415,466,743.59 0.29 12,835,067,200.00 0.30 2,065,719,898.33 0.28

06. SUMATERA SELATAN 31,570,394,331.29 1.12 42,553,796,688.77 1.61 47,618,834,510.66 1.12 54,363,982,437.68 1.28 5,819,862,986.69 0.78

07. BENGKULU 7,255,605,295.58 0.26 8,246,317,200.13 0.31 9,816,378,489.19 0.23 11,308,556,281.71 0.27 1,982,852,075.15 0.26

08. LAMPUNG 37,249,898,677.14 1.32 39,937,679,016.11 1.51 40,697,993,284.28 0.96 58,305,588,868.68 1.37 9,786,272,322.92 1.31

09. KEP BANGKA-BELITUNG 2,757,422,298.01 0.10 3,395,498,865.56 0.13 4,399,197,760.16 0.10 5,927,025,417.45 0.14 564,203,690.76 0.08

10. KEPULAUAN RIAU 18,886,689,619.28 0.67 20,587,993,207.84 0.78 27,797,677,999.64 0.65 32,142,809,643.98 0.76 6,815,301,906.27 0.91

11. JAKARTA 669,813,175,934.73 23.74 598,194,044,611.17 22.61 693,093,334,110.39 16.30 890,739,103,076.03 20.99 181,367,105,417.01 24.19

12. JAWA BARAT 549,928,012,533.25 19.49 652,119,622,168.56 24.65 1,201,212,083,152.70 28.25 960,048,952,405.69 22.63 198,011,912,951.79 26.41

13. JAWA TENGAH 151,888,826,113.28 5.38 133,697,602,983.98 5.05 192,446,830,337.54 4.53 197,433,204,350.41 4.65 45,031,546,624.69 6.01

14. DIY 17,756,951,036.21 0.63 17,340,664,278.42 0.66 17,718,800,882.95 0.42 27,889,240,800.34 0.66 4,347,013,375.71 0.58

15. JAWA TIMUR 471,289,675,721.19 16.70 323,718,726,072.40 12.24 329,537,120,301.70 7.75 621,070,056,429.64 14.64 70,591,019,876.83 9.42

16. BANTEN 297,387,279,687.22 10.54 318,426,983,329.37 12.04 479,307,894,652.20 11.27 579,180,628,676.02 13.65 89,536,628,699.75 11.94

17. BALI 60,357,067,500.68 2.14 72,955,767,038.10 2.76 681,052,832,813.72 16.02 121,227,503,161.89 2.86 35,744,922,028.96 4.77

18. NUSA TENGGARA BARAT 5,152,954,498.64 0.18 7,087,522,827.65 0.27 8,803,236,498.45 0.21 21,598,527,274.20 0.51 1,615,570,548.83 0.22

19. NUSA TENGGARA TIMUR 2,433,951,389.85 0.09 3,237,699,303.25 0.12 2,811,438,143.35 0.07 4,536,858,829.59 0.11 618,427,489.42 0.08

20. KALIMANTAN BARAT 6,292,796,630.20 0.22 5,585,406,508.55 0.21 7,697,153,563.11 0.18 11,747,928,642.44 0.28 455,336,031.89 0.06

21. KALIMANTAN TENGAH 10,262,245,474.31 0.36 10,662,231,788.53 0.40 17,818,984,376.90 0.42 23,437,652,588.32 0.55 285,040,359.44 0.04

22. KALIMANTAN SELATAN 23,762,331,278.15 0.84 13,300,017,057.15 0.50 37,466,701,388.96 0.88 18,451,109,369.07 0.43 6,422,796,819.75 0.86

23. KALIMANTAN TIMUR 63,327,410,591.57 2.24 64,100,456,175.97 2.42 70,413,708,935.99 1.66 56,738,947,421.61 1.34 12,204,352,268.18 1.63

24. SULAWESI UTARA 37,726,468,368.21 1.34 21,023,484,666.00 0.79 34,273,037,525.63 0.81 30,876,898,508.27 0.73 4,401,661,267.75 0.59

25. SULAWESI TENGAH 3,453,309,420.21 0.12 3,327,226,990.16 0.13 6,867,207,802.25 0.16 6,112,014,026.74 0.14 3,555,642,431.78 0.47

26. SULAWESI SELATAN 24,634,050,796.95 0.87 27,691,959,517.82 1.05 28,396,199,459.62 0.67 127,859,578,638.06 3.01 8,265,713,882.66 1.10

27. SULAWESI TENGGARA 10,519,505,924.99 0.37 10,819,930,441.97 0.41 2,279,641,062.89 0.05 27,498,946,542.37 0.65 1,415,979,324.98 0.19

28. GORONTALO 25,429,339,114.68 0.90 27,899,410,999.48 1.05 4,065,456,398.12 0.10 4,905,177,788.98 0.12 448,234,484.52 0.06

29. SULAWESI BARAT 1,406,530,176.92 0.05 1,676,539,338.07 0.06 1,927,480,130.89 0.05 4,455,660,566.16 0.11 429,469,125.90 0.06

30. MALUKU 1,761,141,005.57 0.06 2,361,244,475.46 0.09 3,455,919,928.49 0.08 4,242,062,725.97 0.10 1,631,640,570.44 0.22

31. MALUKU UTARA 1,055,956,776.04 0.04 1,480,820,184.17 0.06 1,040,331,975.79 0.02 1,653,435,655.74 0.04 406,110,547.80 0.05

32. PAPUA BARAT 3,177,814,430.49 0.11 5,138,537,640.92 0.19 4,219,806,774.84 0.10 4,694,917,611.28 0.11 788,121,868.52 0.11

33. PAPUA 5,220,709,515.28 0.19 5,837,049,360.06 0.22 6,741,420,063.30 0.16 10,017,694,558.21 0.24 3,412,496,181.17 0.46

T O T A L 2,821,322,404,542.47 100.00 2,645,389,635,380.59 100.00 4,251,836,566,234.02 100.00 4,242,650,688,164.07 100.00 749,699,474,583.62 100.00

ProvinceU/Y 2011 U/Y 2012 U/Y 2013 U/Y 2015

National Gross Premium By Province

As At 30/06/2015

U/Y 2014

24



U/Y 2011 U/Y 2012


Com:‎Steel,‎Wood,‎RC‎≤‎9 2,384,154,318,674.75 84.50 2,280,990,053,904.31 86.23 3,903,188,186,063.03 91.80 3,691,987,105,848.18 87.02 645,915,437,667.36 86.16

Com: Steel, Wood, RC > 9 392,241,038,275.69 13.90 310,752,411,244.27 11.75 293,198,811,160.08 6.90 475,221,321,335.05 11.20 82,352,755,334.91 10.98

Com: Others 1,759,846,644.28 0.06 7,722,471,413.19 0.29 7,779,732,373.47 0.18 2,909,311,683.91 0.07 368,463,903.86 0.05

DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3 ‎storeys 43,002,828,958.58 1.52 45,758,363,723.03 1.73 47,563,123,197.75 1.12 72,152,941,718.11 1.70 20,987,266,218.72 2.80

DW: ‎Others 164,371,989.15 0.01 166,335,095.78 0.01 106,713,439.67 0.00 380,007,578.80 0.01 75,551,458.76 0.01

2,821,322,404,542.45 100.00 2,645,389,635,380.58 100.00 4,251,836,566,234.00 100.00 4,242,650,688,164.05 100.00 749,699,474,583.61 100.00T O T A L

National Gross Premium By Class Construction

As At 30/06/2015

in IDRTable 3.5

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

25


Com: Steel, Wood, RC ≤ 9, 3,903,188.19

Com: Steel, Wood, RC > 9, 293,198.81

Com: Others, 7,779.73

DW: Steel , Wood , RC up to 3 storeys, 47,563.12

DW: Others, 106.71

Com: Steel, Wood, RC ≤ 9, 3,691,987.11

Com: Steel, Wood, RC > 9, 475,221.32



DW: Others, 380.01

Com: Steel, Wood, RC ≤ 9, 645,915.44

Com: Steel, Wood, RC > 9, 82,352.76

Com: Others, 368.46


20,987.27

DW: Others, 75.55

National Gross Premium By Class ConstructionAs at 30 Jun 2015

(in Billion IDR)

Com: Steel, Wood, RC ≤ 9, 2,384,154.32

Com: Steel, Wood, RC > 9, 392,241.04



DW: Others, 164.37

Com: Steel, Wood, RC ≤ 9, 2,280,990.05

Com: Steel, Wood, RC > 9, 310,752.41



DW: Others, 166.34

UY 2011

UY 2014 UY 2015

UY 2012

UY 2013

26


Table 4.1


BANDA ACEH 1.1 518 0.31% 588 0.34% 605 0.32% 600 0.28% 158 0.32%

MEDAN 1.2 5,777 3.48% 6,002 3.47% 6,598 3.50% 7,330 3.47% 1,972 4.03%

OTHERS 1.3 4,491 2.71% 4,654 2.69% 3,910 2.07% 5,002 2.37% 880 1.80%

NORTH SUMATERA 1 10,786 6.50% 11,244 6.50% 11,113 5.90% 12,932 6.12% 3,010 6.14%

PADANG 2.1 9,869 5.95% 10,638 6.15% 10,653 5.65% 12,344 5.84% 3,939 8.04%

PALEMBANG 2.2 1,443 0.87% 1,533 0.89% 1,873 0.99% 1,883 0.89% 326 0.67%

OTHERS 2.3 16,565 9.98% 17,378 10.04% 17,897 9.49% 21,194 10.03% 4,776 9.75%

SOUTH SUMATERA 2 27,877 16.80% 29,549 17.07% 30,423 16.14% 35,421 16.76% 9,041 18.46%

JAKARTA 3.1 38,645 23.29% 36,236 20.93% 47,625 25.27% 48,501 22.94% 10,593 21.63%

BANDUNG 3.2 1,147 0.69% 1,986 1.15% 2,123 1.13% 2,037 0.96% 820 1.67%

OTHERS 3.3 34,085 20.54% 36,684 21.19% 38,777 20.57% 46,679 22.08% 11,247 22.96%

WEST JAVA 3 73,877 44.52% 74,906 43.27% 88,525 46.96% 97,217 45.99% 22,660 46.26%

SEMARANG 4.1 669 0.40% 803 0.46% 916 0.49% 970 0.46% 157 0.32%

YOGYAKARTA 4.2 2,155 1.30% 2,309 1.33% 2,188 1.16% 2,538 1.20% 635 1.30%

OTHERS 4.3 9,711 5.85% 10,322 5.96% 10,492 5.57% 14,155 6.70% 3,492 7.13%

CENTRAL JAVA 4 12,535 7.55% 13,434 7.76% 13,596 7.21% 17,663 8.36% 4,284 8.75%

SURABAYA 5.1 6,063 3.65% 6,180 3.57% 6,240 3.31% 6,110 2.89% 1,474 3.01%

OTHERS 5.2 7,287 4.39% 7,802 4.51% 8,384 4.45% 11,194 5.30% 1,564 3.19%

EAST JAVA 5 13,350 8.05% 13,982 8.08% 14,624 7.76% 17,304 8.19% 3,038 6.20%

KALIMANTAN 6 5,727 3.45% 7,633 4.41% 7,055 3.74% 6,791 3.21% 917 1.87%

UJUNG PANDANG 7.1 1,851 1.12% 1,914 1.11% 2,058 1.09% 1,922 0.91% 428 0.87%

OTHERS 7.2 7,029 4.24% 6,206 3.59% 6,259 3.32% 6,117 2.89% 1,239 2.53%

SULAWESI 7 8,880 5.35% 8,120 4.69% 8,317 4.41% 8,039 3.80% 1,667 3.40%

OTHER ISLANDS 8 12,908 7.78% 14,229 8.22% 14,840 7.87% 16,015 7.58% 4,366 8.91%

165,940 100% 173,097 100% 188,493 100% 211,382 100% 48,983 100%

U/Y 2015

T O T A L

Number Of Risk By Cresta Zone

As At 30/06/2015

Cresta ZoneU/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014

27


0

10,000

20,000

30,000

40,000

50,000

60,000

70,000

80,000

90,000

100,000

North

Sumatera

South

Sumatera

West Java Central Java East Java Kalimantan Sulawesi Other

Islands

UY 2011

UY 2012

UY 2013

UY 2014

UY 2015

Number of Risk By Cresta Zone As at 30 Jun 2015

28


Table 4.2

U/Y 2011 % U/Y 2012 % U/Y 2013 % U/Y 2014 % U/Y 2015 %

AGRICULTURAL A 379 0.23 420 0.24 482 0.26 420 0.20 59 0.12

COMMERCIAL C 91,426 55.10 94,389 54.53 100,292 53.21 109,009 51.57 20,377 41.60

INDUSTRIAL I 14,997 9.04 17,099 9.88 18,252 9.68 17,159 8.12 3,079 6.29

RESIDENTIAL R 59,138 35.64 61,189 35.35 69,467 36.85 84,794 40.11 25,468 51.99

165,940 100.00 173,097 100.00 188,493 100.00 211,382 100.00 48,983 100.00

Number Of Risk By Occupation

T O T A L

Occupation

As At 30/06/2015

29


Agricultural, 482

Commercial, 100,292 Industrial, 18,252

Residential, 69,467

Agricultural, 420

Commercial, 109,009

Industrial, 17,159

Residential, 84,794

Agricultural, 59

Commercial, 20,377

Industrial, 3,079

Residential, 25,468

Number of Risk By OccupationAs at 30 Jun 2015

Agricultural, 379

Commercial, 91,426

Industrial, 14,997

Residential, 59,138

Agricultural, 420

Commercial, 94,389

Industrial, 17,099

Residential, 61,189

UY 2011

UY 2014 UY 2015

UY 2012

UY 2013

30



Table 4.3

U/Y 2011 % U/Y 2012 % U/Y 2013 % U/Y 2014 % U/Y 2015 %

Com:‎Steel,‎Wood,‎RC‎≤‎9 121,236 73.06 121,689 70.30 139,099 73.80 144,726 68.47 32,654 66.66

Com: Steel, Wood, RC > 9 4,312 2.60 5,613 3.24 5,220 2.77 18,074 8.55 1,582 3.23

Com: Others 4,436 2.67 10,409 6.01 10,109 5.36 1,639 0.78 220 0.45

DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3 ‎storeys 35,795 21.57 35,211 20.34 33,969 18.02 46,645 22.07 14,450 29.50

DW: ‎Others 161 0.10 175 0.10 96 0.05 298 0.14 77 0.16

165,940 100.00 173,097 100.00 188,493 100.00 211,382 100.00 48,983 100.00

Number Of Risk By Class Construction

As At 30/06/2015

Class Construction

T O T A L

31


Com: Steel, Wood, RC ≤ 9, 139,099

Com: Steel, Wood, RC > 9, 5,220

Com: Others , 10,109


33,969

DW: Others , 96



Com: Others , 1,639

DW: Steel , Wood , RC up to 3 storeys, 46,645

DW: Others , 298



Com: Others , 220


DW: Others , 77

Number of Risk By Class ConstructionAs at 30 Jun 2015



Com: Others , 4,436


DW: Others , 161


Com: Steel, Wood, RC > 9, 5,613 Com: Others , 10,409


DW: Others , 175

UY 2011

UY 2014 UY 2015

UY 2012

UY 2013

32


Table 5.1


BANDA ACEH 1.1 4 5% 6 40% 1 2% 0 0% 0 0%

MEDAN 1.2 8 9% 2 13% 0 0% 0 0% 0 0%

OTHERS 1.3 2 2% 0 0% 0 0% 0 0% 0 0%

NORTH SUMATERA 1 14 16% 8 53% 1 2% 0 0% 0 0%

PADANG 2.1 5 6% 0 0% 1 2% 1 11% 0 0%

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

OTHERS 2.3 8 9% 1 7% 1 2% 0 0% 0 0%

SOUTH SUMATERA 2 13 15% 1 7% 2 4% 1 11% 0 0%

JAKARTA 3.1 0 0% 0 0% 0 0% 0 0% 0 0%

BANDUNG 3.2 1 1% 0 0% 1 2% 0 0% 0 0%

OTHERS 3.3 1 1% 1 7% 0 0% 0 0% 0 0%

WEST JAVA 3 2 2% 1 7% 1 2% 0 0% 0 0%

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

YOGYAKARTA 4.2 0 0% 0 0% 5 9% 0 0% 0 0%

OTHERS 4.3 0 0% 0 0% 6 11% 0 0% 0 0%

CENTRAL JAVA 4 0 0% 0 0% 11 19% 0 0% 0 0%

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

OTHERS 5.2 0 0% 0 0% 39 68% 3 33% 0 0%

EAST JAVA 5 0 0% 0 0% 39 68% 3 33% 0 0%

KALIMANTAN 6 0 0% 0 0% 0 0% 0 0% 0 0%

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

OTHERS 7.2 1 1% 2 13% 0 0% 3 33% 0 0%

SULAWESI 7 1 1% 2 13% 0 0% 3 33% 0 0%

OTHER ISLANDS 8 57 66% 3 20% 3 5% 2 22% 0 0%

87 100% 15 100% 57 100% 9 100% 0 0%T O T A L

Claim Frequency by Cresta Zone

As At 30/06/2015

U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015

Cresta Zone

33


0

10

20

30

40

50

60

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

14

8

1 0 0

13

1 2 10

2 1 1 0 00 0

11

0 00 0

39

3

00 0 0 0 01 2

03

0

57

3 32

0

North Sumatera

South Sumatera

West Java

Central Java

East Java

Kalimantan

Sulawesi

Other Islands

Claim Frequency By Cresta Zone As at 30 June 2015

34


Table 5.2

U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015

AGRICULTURAL A 0 0 0 0 0

COMMERCIAL C 62 14 45 7 0

INDUSTRIAL I 0 0 5 0 0

RESIDENTIAL R 25 1 7 2 0

87 15 57 9 0T O T A L

Claim Frequency by Occupation

As At 30/06/2015

Occupation

35


1867 58 108 11

0

10

20

30

40

50

60

70

UY 2011 UY 2012 UY 2013 UY 2014 UY 2015

00 0 0 0

62

14

45

7

00

0

5

0 0

25

1

7

20

Agricultural

Commercial

Industrial

Residential

Claim Frequency By OccupationAs at 30 June 2015

36


Table 5.4

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


BANDA ACEH 1.1 363,816,500.00 5.47 1,430,714,900.00 83.15 20,985,349.73 0.01 0.00 0.00 0.00 0.00

MEDAN 1.2 96,659,672.63 1.45 14,936,201.00 0.87 0.00 0.00 0.00 0.00 0.00 0.00

OTHERS 1.3 156,092,898.00 2.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

NORTH SUMATERA 1 616,569,070.63 9.26 1,445,651,101.00 84.02 20,985,349.73 0.01 0.00 0.00 0.00 0.00

PADANG 2.1 29,390,800.00 0.44 0.00 0.00 6,706,092.35 0.00 16,000,000.00 1.23 0.00 0.00

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

OTHERS 2.3 2,960,841,000.00 44.49 50,000,000.00 2.91 3,995,032.99 0.00 0.00 0.00 0.00 0.00

SOUTH SUMATERA 2 2,990,231,800.00 44.93 50,000,000.00 2.91 10,701,125.34 0.00 16,000,000.00 1.23 0.00 0.00

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

BANDUNG 3.2 67,353,075.00 1.01 0.00 0.00 22,495,295.61 0.01 0.00 0.00 0.00 0.00

OTHERS 3.3 7,100,000.00 0.11 17,438,200.00 1.01 0.00 0.00 0.00 0.00 0.00 0.00

WEST JAVA 3 74,453,075.00 1.12 17,438,200.00 1.01 22,495,295.61 0.01 0.00 0.00 0.00 0.00

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

YOGYAKARTA 4.2 0.00 0.00 0.00 0.00 1,500,455,237.19 0.49 0.00 0.00 0.00 0.00

OTHERS 4.3 0.00 0.00 0.00 0.00 29,104,464,265.10 9.45 0.00 0.00 0.00 0.00

CENTRAL JAVA 4 0.00 0.00 0.00 0.00 30,604,919,502.29 9.93 0.00 0.00 0.00 0.00

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

OTHERS 5.2 0.00 0.00 0.00 0.00 277,370,076,854.07 90.04 111,029,676.05 8.56 0.00 0.00

EAST JAVA 5 0.00 0.00 0.00 0.00 277,370,076,854.07 90.04 111,029,676.05 8.56 0.00 0.00

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

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

OTHERS 7.2 6,662,800.00 0.10 77,942,400.00 4.53 0.00 0.00 820,076,625.00 63.20 0.00 0.00

SULAWESI 7 6,662,800.00 0.10 77,942,400.00 4.53 0.00 0.00 820,076,625.00 63.20 0.00 0.00

OTHER ISLANDS 8 2,967,135,986.70 44.58 129,510,279.54 7.53 33,394,667.96 0.01 350,410,000.00 27.01 0.00 0.00

6,655,052,732.33 100.00 1,720,541,980.54 100.00 308,062,572,795.00 100.00 1,297,516,301.05 100.00 0.00 0.00

Cresta Zone

T O T A L

Claim by Cresta Zone

In IDR

U/Y 2015

As At 30/06/2015

U/Y 2014

37


( In Million IDR )

Claim By Cresta ZoneAs at 30 June 2015

North Sumatera,

20.99

South Sumatera, 10.70

West Java, 22.50

Central Java,

30,604.92

East Java,

277,370.08

Kalimantan, 0.00Sulawesi, 0.00

Other Islands,

33.39

North Sumatera, 1,445.65


West Java, 17.44

Central Java, 0.00

East Java, 0.00Kalimantan, 0.00

Sulawesi, 77.94

Other Islands, 129.51

North Sumatera, 616.57

South Sumatera,

2,990.23

West Java, 74.45

Central Java, 0.00

East Java, 0.00Kalimantan, 0.00

Sulawesi, 6.66

Other Islands, 2,967.14


South Sumatera, 16.00West Java, 0.00

Central Java, 0.00

East Java, 111.03

Kalimantan, 0.00

Sulawesi, 820.08

Other Islands, 350.41



West Java, 0.00

Central Java, 0.00

East Java, 0.00

Kalimantan, 0.00

Sulawesi, 0.00

Other Islands, 0.00

UY 2014UY 2015

UY 2012

UY 2013UY 2011

38


Table 5.5

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


AGRICULTURAL A 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

COMMERCIAL C 6,375,313,072.29 95.80 1,670,541,980.54 97.09 306,212,972,292.31 99.40 1,228,599,676.05 94.69 0.00 0.00

INDUSTRIAL I 0.00 0.00 0.00 0.00 1,750,356,290.96 0.57 0.00 0.00 0.00 0.00

RESIDENTIAL R 279,739,660.04 4.20 50,000,000.00 2.91 99,244,211.73 0.03 68,916,625.00 5.31 0.00 0.00

6,655,052,732.33 100.00 1,720,541,980.54 100.00 308,062,572,795.00 100.00 1,297,516,301.05 100.00 0.00 0.00

Claim by Occupation

In IDR

Occupation

T O T A L

U/Y 2015

As At 30/06/2015

U/Y 2014

39


Agricultural

0.00%

Commercial

95.80%

Industrial

0.00%Residential

4.20%

Agricultural

0.00%

Commercial

99.40%

Industrial

0.57%

Residential

0.03%

Agricultural

0.00%

Commercial

94.69%

Industrial

0.00%

Residential

5.31%

Agricultural

0.00%

Commercial

0.00%

Industrial

0.00%Residential

0.00%

Claim By OccupationAs at 30 June 2015

Agricultural

0.00%

Commercial

97.09%

Industrial

0.00%

Residential

2.91%

UY 2012

UY 2013

UY 2014 UY 2015

UY 2011

40


UNDERWRTING YEAR :2011 -2015

27/07/2015

OCCUPATION :ALL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i

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

1 0.00 50.00 69,277.00 69,277.00 8.79 8.79 2,636.63 2,636.63 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 57,506.00 126,783.00 7.30 16.09 6,780.21 9,416.83 0.05 0.06 2.00 2.00 1.19 1.19 16.04 16.04 0.01 0.01 0.24 0.17

3 100.00 200.00 80,521.00 207,304.00 10.22 26.31 17,816.33 27,233.17 0.12 0.19 6.00 8.00 3.57 4.76 91.65 107.69 0.03 0.03 0.51 0.40

4 200.00 300.00 59,683.00 266,987.00 7.57 33.89 21,931.75 49,164.92 0.15 0.33 7.00 15.00 4.17 8.93 394.53 502.22 0.12 0.16 1.80 1.02

5 300.00 500.00 91,973.00 358,960.00 11.67 45.56 54,081.95 103,246.86 0.37 0.70 29.00 44.00 17.26 26.19 349.20 851.42 0.11 0.27 0.65 0.82

6 500.00 750.00 71,336.00 430,296.00 9.05 54.61 63,277.52 166,524.38 0.43 1.13 11.00 55.00 6.55 32.74 518.51 1,369.93 0.16 0.43 0.82 0.82

7 750.00 1,000.00 68,352.00 498,648.00 8.68 63.29 86,723.20 253,247.58 0.59 1.72 11.00 66.00 6.55 39.29 843.50 2,213.43 0.27 0.70 0.97 0.87

8 1,000.00 1,500.00 70,507.00 569,155.00 8.95 72.24 123,435.69 376,683.27 0.84 2.56 20.00 86.00 11.90 51.19 865.96 3,079.39 0.27 0.97 0.70 0.82

9 1,500.00 2,000.00 37,517.00 606,672.00 4.76 77.00 93,766.70 470,449.97 0.64 3.20 10.00 96.00 5.95 57.14 1,017.27 4,096.66 0.32 1.29 1.08 0.87

10 2,000.00 2,500.00 23,156.00 629,828.00 2.94 79.94 74,138.07 544,588.04 0.50 3.70 6.00 102.00 3.57 60.71 1,006.60 5,103.26 0.32 1.61 1.36 0.94

11 2,500.00 3,000.00 18,030.00 647,858.00 2.29 82.23 70,729.42 615,317.47 0.48 4.18 5.00 107.00 2.98 63.69 986.08 6,089.34 0.31 1.92 1.39 0.99

12 3,000.00 4,000.00 22,795.00 670,653.00 2.89 85.12 112,626.51 727,943.97 0.77 4.95 7.00 114.00 4.17 67.86 654.98 6,744.32 0.21 2.12 0.58 0.93

13 4,000.00 5,000.00 16,184.00 686,837.00 2.05 87.17 104,019.37 831,963.34 0.71 5.66 4.00 118.00 2.38 70.24 223.31 6,967.63 0.07 2.19 0.21 0.84

14 5,000.00 7,500.00 22,220.00 709,057.00 2.82 89.99 192,177.21 1,024,140.55 1.31 6.96 13.00 131.00 7.74 77.98 1,821.00 8,788.63 0.57 2.77 0.95 0.86

15 7,500.00 10,000.00 14,449.00 723,506.00 1.83 91.83 181,022.93 1,205,163.49 1.23 8.19 6.00 137.00 3.57 81.55 2,366.09 11,154.71 0.74 3.51 1.31 0.93

16 10,000.00 20,000.00 22,586.00 746,092.00 2.87 94.69 455,545.58 1,660,709.07 3.10 11.29 8.00 145.00 4.76 86.31 1,448.90 12,603.61 0.46 3.97 0.32 0.76

17 20,000.00 50,000.00 19,396.00 765,488.00 2.46 97.16 869,836.02 2,530,545.09 5.91 17.20 9.00 154.00 5.36 91.67 3,068.86 15,672.46 0.97 4.93 0.35 0.62

18 50,000.00 100,000.00 9,755.00 775,243.00 1.24 98.39 950,007.86 3,480,552.95 6.46 23.66 5.00 159.00 2.98 94.64 29,844.65 45,517.12 9.39 14.33 3.14 1.31

19 100,000.00 500,000.00 9,963.00 785,206.00 1.26 99.66 2,963,947.75 6,444,500.70 20.15 43.81 9.00 168.00 5.36 100.00 272,218.57 317,735.68 85.67 100.00 9.18 4.93

20 500,000.00 UP 2,689.00 787,895.00 0.34 100.00 8,266,398.07 14,710,898.77 56.19 100.00 0.00 168.00 0.00 100.00 0.00 317,735.68 0.00 100.00 0.00 2.16

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

PT. Reasuransi MAIPARK Indonesia

RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)

(in million Rp)NUMBER OF RISK

GROSS PREMIUM

(In million Rp)CLAIM FREQUENCY

INCURED CLAIM

(In million Rp)

41


UNDERWRTING YEAR : 2015

27/07/2015

OCCUPATION : ALL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 2,540.00 2,540.00 5.19 5.19 106.05 106.05 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 2,241.00 4,781.00 4.58 9.76 279.46 385.50 0.04 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 4,002.00 8,783.00 8.17 17.93 932.37 1,317.88 0.12 0.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 4,333.00 13,116.00 8.85 26.78 1,647.79 2,965.67 0.22 0.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 6,926.00 20,042.00 14.14 40.92 4,121.77 7,087.44 0.55 0.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 5,021.00 25,063.00 10.25 51.17 4,437.56 11,525.00 0.59 1.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 4,511.00 29,574.00 9.21 60.38 5,729.89 17,254.89 0.76 2.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 4,554.00 34,128.00 9.30 69.67 8,010.64 25,265.54 1.07 3.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 2,788.00 36,916.00 5.69 75.36 6,890.55 32,156.09 0.92 4.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 1,716.00 38,632.00 3.50 78.87 5,437.41 37,593.50 0.73 5.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 1,261.00 39,893.00 2.57 81.44 4,933.91 42,527.41 0.66 5.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 1,612.00 41,505.00 3.29 84.73 7,796.60 50,324.00 1.04 6.71 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 1,157.00 42,662.00 2.36 87.10 7,464.90 57,788.90 1.00 7.71 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 1,510.00 44,172.00 3.08 90.18 12,993.18 70,782.08 1.73 9.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 962.00 45,134.00 1.96 92.14 12,019.54 82,801.62 1.60 11.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 1,380.00 46,514.00 2.82 94.96 27,168.53 109,970.14 3.62 14.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 1,115.00 47,629.00 2.28 97.24 51,425.61 161,395.75 6.86 21.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 586.00 48,215.00 1.20 98.43 59,055.76 220,451.51 7.88 29.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 620.00 48,835.00 1.27 99.70 183,951.72 404,403.23 24.54 53.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 148.00 48,983.00 0.30 100.00 345,296.25 749,699.47 46.06 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

42



27/07/2015

OCCUPATION : ALL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 16,759.00 16,759.00 7.93 7.93 524.64 524.64 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 14,281.00 31,040.00 6.76 14.68 1,702.41 2,227.05 0.04 0.05 1.00 1.00 11.11 11.11 12.24 12.24 0.94 0.94 0.72 0.55

3 100.00 200.00 18,912.00 49,952.00 8.95 23.63 4,065.90 6,292.96 0.10 0.15 0.00 1.00 0.00 11.11 0.00 12.24 0.00 0.94 0.00 0.19

4 200.00 300.00 14,257.00 64,209.00 6.74 30.38 5,137.84 11,430.80 0.12 0.27 2.00 3.00 22.22 33.33 54.79 67.03 4.22 5.17 1.07 0.59

5 300.00 500.00 27,096.00 91,305.00 12.82 43.19 15,751.06 27,181.85 0.37 0.64 0.00 3.00 0.00 33.33 0.00 67.03 0.00 5.17 0.00 0.25

6 500.00 750.00 23,951.00 115,256.00 11.33 54.52 21,233.34 48,415.19 0.50 1.14 0.00 3.00 0.00 33.33 0.00 67.03 0.00 5.17 0.00 0.14

7 750.00 1,000.00 21,885.00 137,141.00 10.35 64.88 27,168.89 75,584.07 0.64 1.78 2.00 5.00 22.22 55.56 112.92 179.95 8.70 13.87 0.42 0.24

8 1,000.00 1,500.00 16,267.00 153,408.00 7.70 72.57 27,891.16 103,475.23 0.66 2.44 0.00 5.00 0.00 55.56 0.00 179.95 0.00 13.87 0.00 0.17

9 1,500.00 2,000.00 9,775.00 163,183.00 4.62 77.20 23,889.58 127,364.81 0.56 3.00 0.00 5.00 0.00 55.56 0.00 179.95 0.00 13.87 0.00 0.14

10 2,000.00 2,500.00 5,932.00 169,115.00 2.81 80.00 18,565.43 145,930.24 0.44 3.44 2.00 7.00 22.22 77.78 737.50 917.45 56.84 70.71 3.97 0.63

11 2,500.00 3,000.00 4,730.00 173,845.00 2.24 82.24 18,076.43 164,006.67 0.43 3.87 0.00 7.00 0.00 77.78 0.00 917.45 0.00 70.71 0.00 0.56

12 3,000.00 4,000.00 5,912.00 179,757.00 2.80 85.04 28,514.22 192,520.90 0.67 4.54 0.00 7.00 0.00 77.78 0.00 917.45 0.00 70.71 0.00 0.48

13 4,000.00 5,000.00 4,202.00 183,959.00 1.99 87.03 26,268.08 218,788.98 0.62 5.16 1.00 8.00 11.11 88.89 12.91 930.36 0.99 71.70 0.05 0.43

14 5,000.00 7,500.00 5,852.00 189,811.00 2.77 89.80 49,632.64 268,421.62 1.17 6.33 1.00 9.00 11.11 100.00 367.16 1,297.52 28.30 100.00 0.74 0.48

15 7,500.00 10,000.00 3,723.00 193,534.00 1.76 91.56 45,838.31 314,259.93 1.08 7.41 0.00 9.00 0.00 100.00 0.00 1,297.52 0.00 100.00 0.00 0.41

16 10,000.00 20,000.00 5,927.00 199,461.00 2.80 94.36 118,053.62 432,313.55 2.78 10.19 0.00 9.00 0.00 100.00 0.00 1,297.52 0.00 100.00 0.00 0.30

17 20,000.00 50,000.00 5,417.00 204,878.00 2.56 96.92 248,106.06 680,419.62 5.85 16.04 0.00 9.00 0.00 100.00 0.00 1,297.52 0.00 100.00 0.00 0.19

18 50,000.00 100,000.00 2,831.00 207,709.00 1.34 98.26 271,721.76 952,141.38 6.40 22.44 0.00 9.00 0.00 100.00 0.00 1,297.52 0.00 100.00 0.00 0.14

19 100,000.00 500,000.00 2,892.00 210,601.00 1.37 99.63 893,612.89 1,845,754.27 21.06 43.50 0.00 9.00 0.00 100.00 0.00 1,297.52 0.00 100.00 0.00 0.07

20 500,000.00 UP 781.00 211,382.00 0.37 100.00 2,396,896.42 4,242,650.69 56.50 100.00 0.00 9.00 0.00 100.00 0.00 1,297.52 0.00 100.00 0.00 0.03


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

43



27/07/2015

OCCUPATION : ALL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 15,763.00 15,763.00 8.36 8.36 631.97 631.97 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 14,567.00 30,330.00 7.73 16.09 1,674.58 2,306.55 0.04 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 19,137.00 49,467.00 10.15 26.24 4,288.40 6,594.95 0.10 0.16 2.00 2.00 3.51 3.51 7.46 7.46 0.00 0.00 0.17 0.11

4 200.00 300.00 13,919.00 63,386.00 7.38 33.63 5,197.53 11,792.48 0.12 0.28 3.00 5.00 5.26 8.77 327.22 334.68 0.11 0.11 6.30 2.84

5 300.00 500.00 19,734.00 83,120.00 10.47 44.10 11,731.40 23,523.89 0.28 0.55 4.00 9.00 7.02 15.79 254.65 589.33 0.08 0.19 2.17 2.51

6 500.00 750.00 15,446.00 98,566.00 8.19 52.29 13,768.81 37,292.69 0.32 0.88 4.00 13.00 7.02 22.81 364.26 953.59 0.12 0.31 2.65 2.56

7 750.00 1,000.00 14,452.00 113,018.00 7.67 59.96 18,484.14 55,776.83 0.43 1.31 6.00 19.00 10.53 33.33 654.66 1,608.25 0.21 0.52 3.54 2.88

8 1,000.00 1,500.00 19,873.00 132,891.00 10.54 70.50 34,943.83 90,720.67 0.82 2.13 15.00 34.00 26.32 59.65 682.92 2,291.17 0.22 0.74 1.95 2.53

9 1,500.00 2,000.00 9,603.00 142,494.00 5.09 75.60 24,165.78 114,886.45 0.57 2.70 2.00 36.00 3.51 63.16 184.54 2,475.71 0.06 0.80 0.76 2.15

10 2,000.00 2,500.00 5,993.00 148,487.00 3.18 78.78 19,607.07 134,493.52 0.46 3.16 1.00 37.00 1.75 64.91 42.55 2,518.26 0.01 0.82 0.22 1.87

11 2,500.00 3,000.00 4,509.00 152,996.00 2.39 81.17 17,974.71 152,468.23 0.42 3.59 2.00 39.00 3.51 68.42 792.78 3,311.04 0.26 1.07 4.41 2.17

12 3,000.00 4,000.00 5,738.00 158,734.00 3.04 84.21 28,804.90 181,273.12 0.68 4.26 4.00 43.00 7.02 75.44 550.12 3,861.16 0.18 1.25 1.91 2.13

13 4,000.00 5,000.00 4,093.00 162,827.00 2.17 86.38 26,610.99 207,884.11 0.63 4.89 0.00 43.00 0.00 75.44 0.00 3,861.16 0.00 1.25 0.00 1.86

14 5,000.00 7,500.00 5,615.00 168,442.00 2.98 89.36 49,274.07 257,158.18 1.16 6.05 2.00 45.00 3.51 78.95 612.65 4,473.82 0.20 1.45 1.24 1.74

15 7,500.00 10,000.00 3,743.00 172,185.00 1.99 91.35 47,799.20 304,957.37 1.12 7.17 2.00 47.00 3.51 82.46 1,608.06 6,081.88 0.52 1.97 3.36 1.99

16 10,000.00 20,000.00 5,801.00 177,986.00 3.08 94.43 118,255.83 423,213.20 2.78 9.95 2.00 49.00 3.51 85.96 551.06 6,632.94 0.18 2.15 0.47 1.57

17 20,000.00 50,000.00 4,885.00 182,871.00 2.59 97.02 221,834.14 645,047.34 5.22 15.17 1.00 50.00 1.75 87.72 29.98 6,662.92 0.01 2.16 0.01 1.03

18 50,000.00 100,000.00 2,488.00 185,359.00 1.32 98.34 254,226.46 899,273.80 5.98 21.15 3.00 53.00 5.26 92.98 29,398.39 36,061.30 9.54 11.71 11.56 4.01

19 100,000.00 500,000.00 2,468.00 187,827.00 1.31 99.65 758,150.65 1,657,424.44 17.83 38.98 4.00 57.00 7.02 100.00 272,001.27 308,062.57 88.29 100.00 35.88 18.59

20 500,000.00 UP 666.00 188,493.00 0.35 100.00 2,594,412.12 4,251,836.57 61.02 100.00 0.00 57.00 0.00 100.00 0.00 308,062.57 0.00 100.00 0.00 7.25


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

44



27/07/2015

OCCUPATION : ALL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 17,341.00 17,341.00 10.02 10.02 688.99 688.99 0.03 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 13,568.00 30,909.00 7.84 17.86 1,594.28 2,283.27 0.06 0.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 19,214.00 50,123.00 11.10 28.96 4,232.73 6,516.01 0.16 0.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 13,646.00 63,769.00 7.88 36.84 5,061.18 11,577.18 0.19 0.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 19,014.00 82,783.00 10.98 47.82 11,283.29 22,860.48 0.43 0.86 1.00 1.00 6.67 6.67 17.44 17.44 1.01 1.01 0.15 0.08

6 500.00 750.00 13,725.00 96,508.00 7.93 55.75 12,271.14 35,131.62 0.46 1.33 0.00 1.00 0.00 6.67 0.00 17.44 0.00 1.01 0.00 0.05

7 750.00 1,000.00 13,958.00 110,466.00 8.06 63.82 17,871.83 53,003.45 0.68 2.00 0.00 1.00 0.00 6.67 0.00 17.44 0.00 1.01 0.00 0.03

8 1,000.00 1,500.00 16,124.00 126,590.00 9.32 73.13 28,323.65 81,327.10 1.07 3.07 1.00 2.00 6.67 13.33 50.00 67.44 2.91 3.92 0.18 0.08

9 1,500.00 2,000.00 7,981.00 134,571.00 4.61 77.74 20,320.31 101,647.41 0.77 3.84 3.00 5.00 20.00 33.33 410.61 478.05 23.87 27.78 2.02 0.47

10 2,000.00 2,500.00 4,877.00 139,448.00 2.82 80.56 15,678.06 117,325.46 0.59 4.44 1.00 6.00 6.67 40.00 62.33 540.38 3.62 31.41 0.40 0.46

11 2,500.00 3,000.00 3,878.00 143,326.00 2.24 82.80 15,301.77 132,627.24 0.58 5.01 0.00 6.00 0.00 40.00 0.00 540.38 0.00 31.41 0.00 0.41

12 3,000.00 4,000.00 4,849.00 148,175.00 2.80 85.60 24,415.19 157,042.43 0.92 5.94 0.00 6.00 0.00 40.00 0.00 540.38 0.00 31.41 0.00 0.34

13 4,000.00 5,000.00 3,408.00 151,583.00 1.97 87.57 22,242.13 179,284.55 0.84 6.78 0.00 6.00 0.00 40.00 0.00 540.38 0.00 31.41 0.00 0.30

14 5,000.00 7,500.00 4,774.00 156,357.00 2.76 90.33 41,510.52 220,795.07 1.57 8.35 2.00 8.00 13.33 53.33 319.96 860.33 18.60 50.00 0.77 0.39

15 7,500.00 10,000.00 3,107.00 159,464.00 1.79 92.12 38,751.98 259,547.06 1.46 9.81 2.00 10.00 13.33 66.67 555.00 1,415.33 32.26 82.26 1.43 0.55

16 10,000.00 20,000.00 4,907.00 164,371.00 2.83 94.96 100,087.02 359,634.07 3.78 13.59 4.00 14.00 26.67 93.33 301.07 1,716.41 17.50 99.76 0.30 0.48

17 20,000.00 50,000.00 4,065.00 168,436.00 2.35 97.31 178,910.74 538,544.82 6.76 20.36 0.00 14.00 0.00 93.33 0.00 1,716.41 0.00 99.76 0.00 0.32

18 50,000.00 100,000.00 2,050.00 170,486.00 1.18 98.49 194,027.36 732,572.17 7.33 27.69 0.00 14.00 0.00 93.33 0.00 1,716.41 0.00 99.76 0.00 0.23

19 100,000.00 500,000.00 2,065.00 172,551.00 1.19 99.68 594,909.85 1,327,482.02 22.49 50.18 1.00 15.00 6.67 100.00 4.14 1,720.54 0.24 100.00 0.00 0.13

20 500,000.00 UP 546.00 173,097.00 0.32 100.00 1,317,907.61 2,645,389.64 49.82 100.00 0.00 15.00 0.00 100.00 0.00 1,720.54 0.00 100.00 0.00 0.07


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

45


UNDERWRTING YEAR :2011

27/07/2015

OCCUPATION :ALL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 16,874.00 16,874.00 10.17 10.17 684.98 684.98 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 12,849.00 29,723.00 7.74 17.91 1,529.48 2,214.46 0.05 0.08 1.00 1.00 1.15 1.15 3.80 3.80 0.06 0.06 0.25 0.17

3 100.00 200.00 19,256.00 48,979.00 11.60 29.52 4,296.92 6,511.38 0.15 0.23 4.00 5.00 4.60 5.75 84.19 87.99 1.27 1.32 1.96 1.35

4 200.00 300.00 13,528.00 62,507.00 8.15 37.67 4,887.41 11,398.79 0.17 0.40 2.00 7.00 2.30 8.05 12.51 100.51 0.19 1.51 0.26 0.88

5 300.00 500.00 19,203.00 81,710.00 11.57 49.24 11,194.42 22,593.21 0.40 0.80 24.00 31.00 27.59 35.63 77.11 177.62 1.16 2.67 0.69 0.79

6 500.00 750.00 13,193.00 94,903.00 7.95 57.19 11,566.67 34,159.88 0.41 1.21 7.00 38.00 8.05 43.68 154.25 331.87 2.32 4.99 1.33 0.97

7 750.00 1,000.00 13,546.00 108,449.00 8.16 65.35 17,468.44 51,628.33 0.62 1.83 3.00 41.00 3.45 47.13 75.92 407.79 1.14 6.13 0.43 0.79

8 1,000.00 1,500.00 13,689.00 122,138.00 8.25 73.60 24,266.40 75,894.73 0.86 2.69 4.00 45.00 4.60 51.72 133.04 540.83 2.00 8.13 0.55 0.71

9 1,500.00 2,000.00 7,370.00 129,508.00 4.44 78.05 18,500.48 94,395.21 0.66 3.35 5.00 50.00 5.75 57.47 422.12 962.95 6.34 14.47 2.28 1.02

10 2,000.00 2,500.00 4,638.00 134,146.00 2.79 80.84 14,850.11 109,245.32 0.53 3.87 2.00 52.00 2.30 59.77 164.22 1,127.17 2.47 16.94 1.11 1.03

11 2,500.00 3,000.00 3,652.00 137,798.00 2.20 83.04 14,442.61 123,687.93 0.51 4.38 3.00 55.00 3.45 63.22 193.30 1,320.47 2.90 19.84 1.34 1.07

12 3,000.00 4,000.00 4,684.00 142,482.00 2.82 85.86 23,095.60 146,783.53 0.82 5.20 3.00 58.00 3.45 66.67 104.87 1,425.34 1.58 21.42 0.45 0.97

13 4,000.00 5,000.00 3,324.00 145,806.00 2.00 87.87 21,433.28 168,216.80 0.76 5.96 3.00 61.00 3.45 70.11 210.40 1,635.74 3.16 24.58 0.98 0.97

14 5,000.00 7,500.00 4,469.00 150,275.00 2.69 90.56 38,766.80 206,983.61 1.37 7.34 8.00 69.00 9.20 79.31 521.23 2,156.96 7.83 32.41 1.34 1.04

15 7,500.00 10,000.00 2,914.00 153,189.00 1.76 92.32 36,613.91 243,597.52 1.30 8.63 2.00 71.00 2.30 81.61 203.02 2,359.99 3.05 35.46 0.55 0.97

16 10,000.00 20,000.00 4,571.00 157,760.00 2.75 95.07 91,980.58 335,578.10 3.26 11.89 2.00 73.00 2.30 83.91 596.76 2,956.75 8.97 44.43 0.65 0.88

17 20,000.00 50,000.00 3,914.00 161,674.00 2.36 97.43 169,559.47 505,137.57 6.01 17.90 8.00 81.00 9.20 93.10 3,038.88 5,995.63 45.66 90.09 1.79 1.19

18 50,000.00 100,000.00 1,800.00 163,474.00 1.08 98.51 170,976.52 676,114.09 6.06 23.96 2.00 83.00 2.30 95.40 446.27 6,441.89 6.71 96.80 0.26 0.95

19 100,000.00 500,000.00 1,918.00 165,392.00 1.16 99.67 533,322.65 1,209,436.73 18.90 42.87 4.00 87.00 4.60 100.00 213.16 6,655.05 3.20 100.00 0.04 0.55

20 500,000.00 UP 548.00 165,940.00 0.33 100.00 1,611,885.67 2,821,322.40 57.13 100.00 0.00 87.00 0.00 100.00 0.00 6,655.05 0.00 100.00 0.00 0.24

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

46



27/07/2015

OCCUPATION : AGRICULTURAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 1.00 1.00 1.69 1.69 0.22 0.22 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 1.00 2.00 1.69 3.39 0.26 0.48 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 1.00 3.00 1.69 5.08 0.73 1.20 0.03 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 5.00 8.00 8.47 13.56 3.94 5.14 0.18 0.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 5.00 13.00 8.47 22.03 4.56 9.70 0.21 0.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 8.00 21.00 13.56 35.59 10.16 19.87 0.46 0.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 4.00 25.00 6.78 42.37 6.61 26.47 0.30 1.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 6.00 31.00 10.17 52.54 17.09 43.56 0.77 1.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 0.00 31.00 0.00 52.54 0.00 43.56 0.00 1.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 2.00 33.00 3.39 55.93 10.23 53.79 0.46 2.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 2.00 35.00 3.39 59.32 14.55 68.34 0.66 3.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 0.00 35.00 0.00 59.32 0.00 68.34 0.00 3.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 2.00 37.00 3.39 62.71 14.80 83.14 0.67 3.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 4.00 41.00 6.78 69.49 73.20 156.34 3.31 7.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 3.00 44.00 5.08 74.58 120.87 277.21 5.46 12.52 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 8.00 52.00 13.56 88.14 868.54 1,145.75 39.23 51.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 7.00 59.00 11.86 100.00 1,068.09 2,213.84 48.25 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 0.00 59.00 0.00 100.00 0.00 2,213.84 0.00 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

47



27/07/2015

OCCUPATION : COMMERCIAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 1,162.00 1,162.00 5.70 5.70 42.68 42.68 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 923.00 2,085.00 4.53 10.23 110.45 153.13 0.05 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 1,153.00 3,238.00 5.66 15.89 274.03 427.16 0.13 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 1,347.00 4,585.00 6.61 22.50 528.58 955.74 0.25 0.45 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 2,464.00 7,049.00 12.09 34.59 1,540.75 2,496.49 0.73 1.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 2,005.00 9,054.00 9.84 44.43 1,834.23 4,330.72 0.87 2.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 1,962.00 11,016.00 9.63 54.06 2,593.91 6,924.63 1.23 3.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 1,922.00 12,938.00 9.43 63.49 3,508.92 10,433.55 1.66 4.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 1,406.00 14,344.00 6.90 70.39 3,551.71 13,985.25 1.68 6.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 823.00 15,167.00 4.04 74.43 2,666.20 16,651.45 1.26 7.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 644.00 15,811.00 3.16 77.59 2,556.57 19,208.02 1.21 9.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 839.00 16,650.00 4.12 81.71 4,102.56 23,310.58 1.94 11.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 631.00 17,281.00 3.10 84.81 4,126.23 27,436.80 1.95 12.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 828.00 18,109.00 4.06 88.87 7,159.99 34,596.79 3.39 16.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 471.00 18,580.00 2.31 91.18 5,851.44 40,448.23 2.77 19.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 719.00 19,299.00 3.53 94.71 14,234.71 54,682.94 6.74 25.87 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 549.00 19,848.00 2.69 97.40 26,422.96 81,105.90 12.50 38.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 286.00 20,134.00 1.40 98.81 29,530.62 110,636.52 13.97 52.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 221.00 20,355.00 1.08 99.89 61,571.22 172,207.74 29.13 81.48 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 22.00 20,377.00 0.11 100.00 39,134.81 211,342.54 18.52 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

48



27/07/2015

OCCUPATION : INDUSTRIAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 57.00 57.00 1.85 1.85 2.40 2.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 68.00 125.00 2.21 4.06 7.55 9.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 70.00 195.00 2.27 6.33 16.82 26.77 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 76.00 271.00 2.47 8.80 29.88 56.65 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 148.00 419.00 4.81 13.61 97.22 153.87 0.02 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 129.00 548.00 4.19 17.80 122.76 276.63 0.03 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 172.00 720.00 5.59 23.38 223.67 500.30 0.05 0.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 181.00 901.00 5.88 29.26 336.73 837.02 0.08 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 138.00 1,039.00 4.48 33.74 340.83 1,177.86 0.08 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 113.00 1,152.00 3.67 37.41 364.18 1,542.04 0.09 0.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 80.00 1,232.00 2.60 40.01 313.04 1,855.08 0.08 0.45 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 141.00 1,373.00 4.58 44.59 677.17 2,532.25 0.17 0.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 102.00 1,475.00 3.31 47.91 683.66 3,215.90 0.17 0.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 190.00 1,665.00 6.17 54.08 1,680.36 4,896.27 0.41 1.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 175.00 1,840.00 5.68 59.76 2,242.45 7,138.72 0.55 1.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 306.00 2,146.00 9.94 69.70 6,152.09 13,290.81 1.50 3.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 331.00 2,477.00 10.75 80.45 14,797.61 28,088.42 3.61 6.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 224.00 2,701.00 7.28 87.72 21,348.04 49,436.46 5.21 12.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 270.00 2,971.00 8.77 96.49 82,366.46 131,802.92 20.12 32.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 108.00 3,079.00 3.51 100.00 277,605.30 409,408.22 67.81 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

49



27/07/2015

OCCUPATION : RESIDENTIAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 1,321.00 1,321.00 5.19 5.19 60.96 60.96 0.05 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 1,250.00 2,571.00 4.91 10.10 161.45 222.41 0.13 0.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 2,778.00 5,349.00 10.91 21.00 641.31 863.72 0.51 0.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 2,909.00 8,258.00 11.42 32.43 1,089.08 1,952.80 0.86 1.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 4,313.00 12,571.00 16.93 49.36 2,483.08 4,435.88 1.96 3.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 2,882.00 15,453.00 11.32 60.68 2,476.62 6,912.50 1.95 5.45 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 2,372.00 17,825.00 9.31 69.99 2,907.76 9,820.26 2.29 7.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 2,443.00 20,268.00 9.59 79.58 4,154.84 13,975.10 3.28 11.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 1,240.00 21,508.00 4.87 84.45 2,991.41 16,966.50 2.36 13.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 774.00 22,282.00 3.04 87.49 2,389.94 19,356.44 1.89 15.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 537.00 22,819.00 2.11 89.60 2,064.30 21,420.75 1.63 16.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 630.00 23,449.00 2.47 92.07 3,006.64 24,427.38 2.37 19.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 422.00 23,871.00 1.66 93.73 2,640.47 27,067.85 2.08 21.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 492.00 24,363.00 1.93 95.66 4,152.83 31,220.68 3.28 24.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 314.00 24,677.00 1.23 96.89 3,910.85 35,131.53 3.09 27.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 351.00 25,028.00 1.38 98.27 6,708.53 41,840.06 5.29 33.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 232.00 25,260.00 0.91 99.18 10,084.18 51,924.23 7.96 40.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 68.00 25,328.00 0.27 99.45 7,308.55 59,232.79 5.77 46.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 122.00 25,450.00 0.48 99.93 38,945.94 98,178.73 30.73 77.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 18.00 25,468.00 0.07 100.00 28,556.14 126,734.87 22.53 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

50



27/07/2015


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 2.00 2.00 0.48 0.48 0.04 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 7.00 9.00 1.67 2.14 0.71 0.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 10.00 19.00 2.38 4.52 1.61 2.36 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 5.00 24.00 1.19 5.71 1.82 4.18 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 11.00 35.00 2.62 8.33 5.99 10.17 0.02 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 10.00 45.00 2.38 10.71 5.81 15.98 0.02 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 12.00 57.00 2.86 13.57 10.62 26.60 0.04 0.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 17.00 74.00 4.05 17.62 26.83 53.43 0.11 0.21 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 25.00 99.00 5.95 23.57 57.00 110.43 0.23 0.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 19.00 118.00 4.52 28.10 58.17 168.59 0.23 0.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 10.00 128.00 2.38 30.48 29.52 198.11 0.12 0.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 22.00 150.00 5.24 35.71 117.09 315.21 0.47 1.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 20.00 170.00 4.76 40.48 120.05 435.26 0.48 1.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 26.00 196.00 6.19 46.67 215.69 650.95 0.87 2.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 21.00 217.00 5.00 51.67 244.10 895.05 0.98 3.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 30.00 247.00 7.14 58.81 498.31 1,393.37 2.00 5.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 52.00 299.00 12.38 71.19 2,294.05 3,687.42 9.21 14.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 50.00 349.00 11.90 83.10 4,281.09 7,968.51 17.18 31.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 70.00 419.00 16.67 99.76 15,492.10 23,460.61 62.18 94.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 1.00 420.00 0.24 100.00 1,452.46 24,913.07 5.83 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

51



27/07/2015


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 8,540.00 8,540.00 7.83 7.83 271.08 271.08 0.03 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 5,582.00 14,122.00 5.12 12.95 622.88 893.97 0.07 0.10 1.00 1.00 14.29 14.29 12.24 12.24 1.00 1.00 1.96 1.37

3 100.00 200.00 7,896.00 22,018.00 7.24 20.20 1,732.63 2,626.60 0.19 0.29 0.00 1.00 0.00 14.29 0.00 12.24 0.00 1.00 0.00 0.47

4 200.00 300.00 5,603.00 27,621.00 5.14 25.34 2,074.07 4,700.67 0.23 0.51 1.00 2.00 14.29 28.57 38.79 51.03 3.16 4.15 1.87 1.09

5 300.00 500.00 14,406.00 42,027.00 13.22 38.55 8,820.91 13,521.58 0.96 1.47 0.00 2.00 0.00 28.57 0.00 51.03 0.00 4.15 0.00 0.38

6 500.00 750.00 15,054.00 57,081.00 13.81 52.36 13,850.37 27,371.95 1.51 2.98 0.00 2.00 0.00 28.57 0.00 51.03 0.00 4.15 0.00 0.19

7 750.00 1,000.00 14,323.00 71,404.00 13.14 65.50 18,272.62 45,644.57 1.99 4.97 1.00 3.00 14.29 42.86 60.00 111.03 4.88 9.04 0.33 0.24

8 1,000.00 1,500.00 8,608.00 80,012.00 7.90 73.40 15,159.34 60,803.91 1.65 6.62 0.00 3.00 0.00 42.86 0.00 111.03 0.00 9.04 0.00 0.18

9 1,500.00 2,000.00 5,085.00 85,097.00 4.66 78.06 12,822.05 73,625.96 1.40 8.02 0.00 3.00 0.00 42.86 0.00 111.03 0.00 9.04 0.00 0.15

10 2,000.00 2,500.00 2,941.00 88,038.00 2.70 80.76 9,534.06 83,160.02 1.04 9.06 2.00 5.00 28.57 71.43 737.50 848.53 60.03 69.06 7.74 1.02

11 2,500.00 3,000.00 2,432.00 90,470.00 2.23 82.99 9,554.71 92,714.73 1.04 10.10 0.00 5.00 0.00 71.43 0.00 848.53 0.00 69.06 0.00 0.92

12 3,000.00 4,000.00 2,993.00 93,463.00 2.75 85.74 14,803.51 107,518.24 1.61 11.71 0.00 5.00 0.00 71.43 0.00 848.53 0.00 69.06 0.00 0.79

13 4,000.00 5,000.00 2,208.00 95,671.00 2.03 87.76 14,001.95 121,520.19 1.52 13.23 1.00 6.00 14.29 85.71 12.91 861.44 1.05 70.12 0.09 0.71

14 5,000.00 7,500.00 3,135.00 98,806.00 2.88 90.64 27,161.58 148,681.76 2.96 16.19 1.00 7.00 14.29 100.00 367.16 1,228.60 29.88 100.00 1.35 0.83

15 7,500.00 10,000.00 1,982.00 100,788.00 1.82 92.46 24,307.61 172,989.37 2.65 18.84 0.00 7.00 0.00 100.00 0.00 1,228.60 0.00 100.00 0.00 0.71

16 10,000.00 20,000.00 3,109.00 103,897.00 2.85 95.31 62,283.83 235,273.20 6.78 25.62 0.00 7.00 0.00 100.00 0.00 1,228.60 0.00 100.00 0.00 0.52

17 20,000.00 50,000.00 2,773.00 106,670.00 2.54 97.85 128,087.34 363,360.54 13.95 39.57 0.00 7.00 0.00 100.00 0.00 1,228.60 0.00 100.00 0.00 0.34

18 50,000.00 100,000.00 1,322.00 107,992.00 1.21 99.07 115,037.49 478,398.03 12.53 52.10 0.00 7.00 0.00 100.00 0.00 1,228.60 0.00 100.00 0.00 0.26

19 100,000.00 500,000.00 887.00 108,879.00 0.81 99.88 252,736.32 731,134.34 27.52 79.62 0.00 7.00 0.00 100.00 0.00 1,228.60 0.00 100.00 0.00 0.17

20 500,000.00 UP 130.00 109,009.00 0.12 100.00 187,145.56 918,279.91 20.38 100.00 0.00 7.00 0.00 100.00 0.00 1,228.60 0.00 100.00 0.00 0.13


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

52



27/07/2015


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 1,231.00 1,231.00 7.17 7.17 36.06 36.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 410.00 1,641.00 2.39 9.56 43.04 79.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 632.00 2,273.00 3.68 13.25 136.04 215.14 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 438.00 2,711.00 2.55 15.80 161.13 376.27 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 683.00 3,394.00 3.98 19.78 421.43 797.70 0.02 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 745.00 4,139.00 4.34 24.12 693.28 1,490.98 0.03 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 702.00 4,841.00 4.09 28.21 886.02 2,377.00 0.03 0.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 967.00 5,808.00 5.64 33.85 1,745.22 4,122.22 0.07 0.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 720.00 6,528.00 4.20 38.04 1,814.78 5,937.01 0.07 0.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 553.00 7,081.00 3.22 41.27 1,779.51 7,716.51 0.07 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 467.00 7,548.00 2.72 43.99 1,841.13 9,557.64 0.07 0.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 754.00 8,302.00 4.39 48.38 3,730.07 13,287.71 0.14 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 549.00 8,851.00 3.20 51.58 3,555.31 16,843.02 0.13 0.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 987.00 9,838.00 5.75 57.33 8,665.04 25,508.06 0.32 0.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 783.00 10,621.00 4.56 61.90 10,189.43 35,697.49 0.38 1.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 1,587.00 12,208.00 9.25 71.15 31,836.68 67,534.18 1.19 2.52 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 1,798.00 14,006.00 10.48 81.62 84,330.49 151,864.67 3.15 5.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 1,122.00 15,128.00 6.54 88.16 118,310.28 270,174.95 4.41 10.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 1,461.00 16,589.00 8.51 96.68 484,517.82 754,692.77 18.08 28.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 570.00 17,159.00 3.32 100.00 1,925,252.69 2,679,945.46 71.84 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

53



27/07/2015


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 6,986.00 6,986.00 8.24 8.24 217.45 217.45 0.04 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 8,282.00 15,268.00 9.77 18.01 1,035.78 1,253.23 0.17 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 10,374.00 25,642.00 12.23 30.24 2,195.63 3,448.86 0.35 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 8,211.00 33,853.00 9.68 39.92 2,900.82 6,349.67 0.47 1.02 1.00 1.00 50.00 50.00 16.00 16.00 23.22 23.22 0.55 0.25

5 300.00 500.00 11,996.00 45,849.00 14.15 54.07 6,502.72 12,852.40 1.05 2.07 0.00 1.00 0.00 50.00 0.00 16.00 0.00 23.22 0.00 0.12

6 500.00 750.00 8,142.00 53,991.00 9.60 63.67 6,683.88 19,536.28 1.08 3.15 0.00 1.00 0.00 50.00 0.00 16.00 0.00 23.22 0.00 0.08

7 750.00 1,000.00 6,848.00 60,839.00 8.08 71.75 7,999.63 27,535.91 1.29 4.44 1.00 2.00 50.00 100.00 52.92 68.92 76.78 100.00 0.66 0.25

8 1,000.00 1,500.00 6,675.00 67,514.00 7.87 79.62 10,959.77 38,495.68 1.77 6.21 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.18

9 1,500.00 2,000.00 3,945.00 71,459.00 4.65 84.27 9,195.74 47,691.42 1.48 7.70 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.14

10 2,000.00 2,500.00 2,419.00 73,878.00 2.85 87.13 7,193.69 54,885.11 1.16 8.86 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.13

11 2,500.00 3,000.00 1,821.00 75,699.00 2.15 89.27 6,651.08 61,536.19 1.07 9.93 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.11

12 3,000.00 4,000.00 2,143.00 77,842.00 2.53 91.80 9,863.56 71,399.75 1.59 11.53 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.10

13 4,000.00 5,000.00 1,425.00 79,267.00 1.68 93.48 8,590.76 79,990.51 1.39 12.91 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.09

14 5,000.00 7,500.00 1,704.00 80,971.00 2.01 95.49 13,590.33 93,580.84 2.19 15.11 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.07

15 7,500.00 10,000.00 937.00 81,908.00 1.11 96.60 11,097.17 104,678.01 1.79 16.90 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.07

16 10,000.00 20,000.00 1,201.00 83,109.00 1.42 98.01 23,434.80 128,112.81 3.78 20.68 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.05

17 20,000.00 50,000.00 794.00 83,903.00 0.94 98.95 33,394.18 161,506.98 5.39 26.07 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.04

18 50,000.00 100,000.00 337.00 84,240.00 0.40 99.35 34,092.91 195,599.90 5.50 31.57 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.04

19 100,000.00 500,000.00 474.00 84,714.00 0.56 99.91 140,866.65 336,466.55 22.74 54.31 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.02

20 500,000.00 UP 80.00 84,794.00 0.09 100.00 283,045.70 619,512.25 45.69 100.00 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.01


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

54



27/07/2015


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 9.00 9.00 1.87 1.87 0.22 0.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 0.00 9.00 0.00 1.87 0.07 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 6.00 15.00 1.24 3.11 1.30 1.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 12.00 27.00 2.49 5.60 4.79 6.38 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 21.00 48.00 4.36 9.96 12.05 18.42 0.03 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 26.00 74.00 5.39 15.35 21.73 40.15 0.06 0.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 14.00 88.00 2.90 18.26 16.35 56.51 0.05 0.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 16.00 104.00 3.32 21.58 35.61 92.12 0.10 0.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 18.00 122.00 3.73 25.31 37.09 129.21 0.11 0.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 17.00 139.00 3.53 28.84 57.22 186.43 0.16 0.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 13.00 152.00 2.70 31.54 54.48 240.91 0.16 0.69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 20.00 172.00 4.15 35.68 100.01 340.92 0.29 0.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 16.00 188.00 3.32 39.00 138.68 479.59 0.40 1.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 36.00 224.00 7.47 46.47 315.60 795.19 0.90 2.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 18.00 242.00 3.73 50.21 251.99 1,047.18 0.72 3.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 33.00 275.00 6.85 57.05 686.88 1,734.06 1.97 4.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 58.00 333.00 12.03 69.09 2,793.75 4,527.81 8.00 12.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 78.00 411.00 16.18 85.27 7,878.49 12,406.30 22.56 35.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 68.00 479.00 14.11 99.38 14,907.45 27,313.75 42.69 78.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 3.00 482.00 0.62 100.00 7,604.09 34,917.83 21.78 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

55



27/07/2015


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 8,479.00 8,479.00 8.45 8.45 370.00 370.00 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 8,875.00 17,354.00 8.85 17.30 1,019.94 1,389.94 0.06 0.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 9,228.00 26,582.00 9.20 26.50 2,080.50 3,470.44 0.12 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 6,206.00 32,788.00 6.19 32.69 2,392.36 5,862.80 0.14 0.34 1.00 1.00 2.22 2.22 292.30 292.30 0.10 0.10 12.22 4.99

5 300.00 500.00 9,479.00 42,267.00 9.45 42.14 5,849.57 11,712.37 0.34 0.68 3.00 4.00 6.67 8.89 237.23 529.53 0.08 0.17 4.06 4.52

6 500.00 750.00 8,136.00 50,403.00 8.11 50.26 7,402.30 19,114.67 0.43 1.12 2.00 6.00 4.44 13.33 352.37 881.90 0.12 0.29 4.76 4.61

7 750.00 1,000.00 8,390.00 58,793.00 8.37 58.62 11,065.61 30,180.28 0.65 1.76 6.00 12.00 13.33 26.67 654.66 1,536.56 0.21 0.50 5.92 5.09

8 1,000.00 1,500.00 13,397.00 72,190.00 13.36 71.98 23,642.79 53,823.07 1.38 3.14 14.00 26.00 31.11 57.78 637.95 2,174.51 0.21 0.71 2.70 4.04

9 1,500.00 2,000.00 5,543.00 77,733.00 5.53 77.51 14,150.60 67,973.67 0.83 3.97 2.00 28.00 4.44 62.22 184.54 2,359.04 0.06 0.77 1.30 3.47

10 2,000.00 2,500.00 3,341.00 81,074.00 3.33 80.84 11,075.97 79,049.64 0.65 4.61 0.00 28.00 0.00 62.22 0.00 2,359.04 0.00 0.77 0.00 2.98

11 2,500.00 3,000.00 2,450.00 83,524.00 2.44 83.28 9,839.74 88,889.38 0.57 5.19 1.00 29.00 2.22 64.44 756.11 3,115.15 0.25 1.02 7.68 3.50

12 3,000.00 4,000.00 2,994.00 86,518.00 2.99 86.27 15,233.09 104,122.47 0.89 6.07 3.00 32.00 6.67 71.11 495.29 3,610.44 0.16 1.18 3.25 3.47

13 4,000.00 5,000.00 2,236.00 88,754.00 2.23 88.50 14,679.54 118,802.00 0.86 6.93 0.00 32.00 0.00 71.11 0.00 3,610.44 0.00 1.18 0.00 3.04

14 5,000.00 7,500.00 2,892.00 91,646.00 2.88 91.38 25,742.44 144,544.44 1.50 8.43 2.00 34.00 4.44 75.56 612.65 4,223.10 0.20 1.38 2.38 2.92

15 7,500.00 10,000.00 1,911.00 93,557.00 1.91 93.28 24,304.58 168,849.03 1.42 9.85 1.00 35.00 2.22 77.78 9.18 4,232.28 0.00 1.38 0.04 2.51

16 10,000.00 20,000.00 2,806.00 96,363.00 2.80 96.08 56,408.95 225,257.98 3.29 13.14 2.00 37.00 4.44 82.22 551.06 4,783.34 0.18 1.56 0.98 2.12

17 20,000.00 50,000.00 2,226.00 98,589.00 2.22 98.30 98,806.35 324,064.33 5.76 18.91 1.00 38.00 2.22 84.44 29.98 4,813.31 0.01 1.57 0.03 1.49

18 50,000.00 100,000.00 862.00 99,451.00 0.86 99.16 84,561.02 408,625.35 4.93 23.84 3.00 41.00 6.67 91.11 29,398.39 34,211.70 9.60 11.17 34.77 8.37

19 100,000.00 500,000.00 723.00 100,174.00 0.72 99.88 199,369.16 607,994.51 11.63 35.47 4.00 45.00 8.89 100.00 272,001.27 306,212.97 88.83 100.00 136.43 50.36

20 500,000.00 UP 118.00 100,292.00 0.12 100.00 1,106,079.76 1,714,074.27 64.53 100.00 0.00 45.00 0.00 100.00 0.00 306,212.97 0.00 100.00 0.00 17.86


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

56



27/07/2015


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 1,686.00 1,686.00 9.24 9.24 44.02 44.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 404.00 2,090.00 2.21 11.45 46.73 90.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 619.00 2,709.00 3.39 14.84 147.18 237.93 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 578.00 3,287.00 3.17 18.01 198.79 436.72 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 759.00 4,046.00 4.16 22.17 476.68 913.40 0.02 0.05 1.00 1.00 20.00 20.00 17.42 17.42 1.00 1.00 3.65 1.91

6 500.00 750.00 777.00 4,823.00 4.26 26.42 752.80 1,666.20 0.04 0.08 0.00 1.00 0.00 20.00 0.00 17.42 0.00 1.00 0.00 1.05

7 750.00 1,000.00 663.00 5,486.00 3.63 30.06 879.39 2,545.58 0.04 0.13 0.00 1.00 0.00 20.00 0.00 17.42 0.00 1.00 0.00 0.68

8 1,000.00 1,500.00 1,045.00 6,531.00 5.73 35.78 1,953.95 4,499.53 0.10 0.22 0.00 1.00 0.00 20.00 0.00 17.42 0.00 1.00 0.00 0.39

9 1,500.00 2,000.00 779.00 7,310.00 4.27 40.05 2,068.09 6,567.62 0.10 0.32 0.00 1.00 0.00 20.00 0.00 17.42 0.00 1.00 0.00 0.27

10 2,000.00 2,500.00 627.00 7,937.00 3.44 43.49 2,199.45 8,767.07 0.11 0.43 1.00 2.00 20.00 40.00 42.55 59.97 2.43 3.43 1.93 0.68

11 2,500.00 3,000.00 539.00 8,476.00 2.95 46.44 2,212.49 10,979.56 0.11 0.54 1.00 3.00 20.00 60.00 36.67 96.65 2.10 5.52 1.66 0.88

12 3,000.00 4,000.00 763.00 9,239.00 4.18 50.62 3,984.23 14,963.79 0.20 0.74 1.00 4.00 20.00 80.00 54.83 151.47 3.13 8.65 1.38 1.01

13 4,000.00 5,000.00 628.00 9,867.00 3.44 54.06 4,201.09 19,164.88 0.21 0.94 0.00 4.00 0.00 80.00 0.00 151.47 0.00 8.65 0.00 0.79

14 5,000.00 7,500.00 1,098.00 10,965.00 6.02 60.08 9,845.30 29,010.17 0.49 1.43 0.00 4.00 0.00 80.00 0.00 151.47 0.00 8.65 0.00 0.52

15 7,500.00 10,000.00 893.00 11,858.00 4.89 64.97 11,846.49 40,856.67 0.58 2.01 1.00 5.00 20.00 100.00 1,598.88 1,750.36 91.35 100.00 13.50 4.28

16 10,000.00 20,000.00 1,629.00 13,487.00 8.93 73.89 34,778.57 75,635.24 1.71 3.73 0.00 5.00 0.00 100.00 0.00 1,750.36 0.00 100.00 0.00 2.31

17 20,000.00 50,000.00 1,798.00 15,285.00 9.85 83.74 84,427.62 160,062.87 4.16 7.89 0.00 5.00 0.00 100.00 0.00 1,750.36 0.00 100.00 0.00 1.09

18 50,000.00 100,000.00 1,187.00 16,472.00 6.50 90.25 122,967.14 283,030.00 6.06 13.95 0.00 5.00 0.00 100.00 0.00 1,750.36 0.00 100.00 0.00 0.62

19 100,000.00 500,000.00 1,309.00 17,781.00 7.17 97.42 416,721.96 699,751.97 20.54 34.49 0.00 5.00 0.00 100.00 0.00 1,750.36 0.00 100.00 0.00 0.25

20 500,000.00 UP 471.00 18,252.00 2.58 100.00 1,328,983.99 2,028,735.96 65.51 100.00 0.00 5.00 0.00 100.00 0.00 1,750.36 0.00 100.00 0.00 0.09


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

57



27/07/2015


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 5,589.00 5,589.00 8.05 8.05 217.72 217.72 0.05 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 5,288.00 10,877.00 7.61 15.66 607.83 825.56 0.13 0.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 9,284.00 20,161.00 13.36 29.02 2,059.43 2,884.99 0.43 0.61 2.00 2.00 28.57 28.57 7.46 7.46 7.52 7.52 0.36 0.26

4 200.00 300.00 7,123.00 27,284.00 10.25 39.28 2,601.60 5,486.59 0.55 1.16 2.00 4.00 28.57 57.14 34.92 42.39 35.19 42.71 1.34 0.77

5 300.00 500.00 9,475.00 36,759.00 13.64 52.92 5,393.11 10,879.69 1.14 2.29 0.00 4.00 0.00 57.14 0.00 42.39 0.00 42.71 0.00 0.39

6 500.00 750.00 6,507.00 43,266.00 9.37 62.28 5,591.98 16,471.67 1.18 3.47 2.00 6.00 28.57 85.71 11.89 54.28 11.98 54.69 0.21 0.33

7 750.00 1,000.00 5,385.00 48,651.00 7.75 70.03 6,522.79 22,994.46 1.38 4.85 0.00 6.00 0.00 85.71 0.00 54.28 0.00 54.69 0.00 0.24

8 1,000.00 1,500.00 5,415.00 54,066.00 7.80 77.83 9,311.48 32,305.94 1.96 6.81 1.00 7.00 14.29 100.00 44.97 99.24 45.31 100.00 0.48 0.31

9 1,500.00 2,000.00 3,263.00 57,329.00 4.70 82.53 7,910.01 40,215.95 1.67 8.48 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.25

10 2,000.00 2,500.00 2,008.00 59,337.00 2.89 85.42 6,274.43 46,490.38 1.32 9.81 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.21

11 2,500.00 3,000.00 1,507.00 60,844.00 2.17 87.59 5,868.00 52,358.38 1.24 11.04 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.19

12 3,000.00 4,000.00 1,961.00 62,805.00 2.82 90.41 9,487.57 61,845.95 2.00 13.04 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.16

13 4,000.00 5,000.00 1,213.00 64,018.00 1.75 92.16 7,591.69 69,437.64 1.60 14.65 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.14

14 5,000.00 7,500.00 1,589.00 65,607.00 2.29 94.44 13,370.73 82,808.37 2.82 17.47 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.12

15 7,500.00 10,000.00 921.00 66,528.00 1.33 95.77 11,396.13 94,204.50 2.40 19.87 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.11

16 10,000.00 20,000.00 1,333.00 67,861.00 1.92 97.69 26,381.42 120,585.92 5.56 25.43 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.08

17 20,000.00 50,000.00 803.00 68,664.00 1.16 98.84 35,806.41 156,392.33 7.55 32.99 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.06

18 50,000.00 100,000.00 361.00 69,025.00 0.52 99.36 38,819.82 195,212.15 8.19 41.17 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.05

19 100,000.00 500,000.00 368.00 69,393.00 0.53 99.89 127,152.07 322,364.22 26.82 67.99 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.03

20 500,000.00 UP 74.00 69,467.00 0.11 100.00 151,744.29 474,108.51 32.01 100.00 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.02


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

58



27/07/2015


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 3.00 3.00 0.71 0.71 0.25 0.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 3.00 6.00 0.71 1.43 0.61 0.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 4.00 10.00 0.95 2.38 1.07 1.93 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 9.00 19.00 2.14 4.52 3.20 5.13 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 18.00 37.00 4.29 8.81 10.51 15.64 0.04 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 31.00 68.00 7.38 16.19 28.12 43.76 0.10 0.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 9.00 77.00 2.14 18.33 13.92 57.68 0.05 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 16.00 93.00 3.81 22.14 28.09 85.76 0.10 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 23.00 116.00 5.48 27.62 54.94 140.71 0.19 0.48 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 11.00 127.00 2.62 30.24 35.38 176.09 0.12 0.60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 19.00 146.00 4.52 34.76 59.18 235.27 0.20 0.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 18.00 164.00 4.29 39.05 71.42 306.69 0.24 1.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 13.00 177.00 3.10 42.14 98.66 405.35 0.34 1.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 30.00 207.00 7.14 49.29 246.98 652.33 0.84 2.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 21.00 228.00 5.00 54.29 265.21 917.54 0.90 3.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 28.00 256.00 6.67 60.95 499.62 1,417.16 1.70 4.82 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 58.00 314.00 13.81 74.76 2,645.23 4,062.38 8.99 13.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 48.00 362.00 11.43 86.19 4,367.47 8,429.85 14.85 28.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 52.00 414.00 12.38 98.57 12,434.00 20,863.85 42.26 70.92 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 6.00 420.00 1.43 100.00 8,555.38 29,419.23 29.08 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

59



27/07/2015


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 10,441.00 10,441.00 11.06 11.06 475.98 475.98 0.07 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 8,601.00 19,042.00 9.11 20.17 1,033.45 1,509.43 0.16 0.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 9,704.00 28,746.00 10.28 30.45 2,156.50 3,665.92 0.33 0.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 6,312.00 35,058.00 6.69 37.14 2,394.45 6,060.37 0.37 0.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 9,327.00 44,385.00 9.88 47.02 5,700.52 11,760.89 0.88 1.82 1.00 1.00 7.14 7.14 17.44 17.44 1.04 1.04 0.31 0.15

6 500.00 750.00 7,204.00 51,589.00 7.63 54.66 6,591.89 18,352.79 1.02 2.84 0.00 1.00 0.00 7.14 0.00 17.44 0.00 1.04 0.00 0.10

7 750.00 1,000.00 8,514.00 60,103.00 9.02 63.68 11,159.84 29,512.63 1.73 4.57 0.00 1.00 0.00 7.14 0.00 17.44 0.00 1.04 0.00 0.06

8 1,000.00 1,500.00 10,605.00 70,708.00 11.24 74.91 18,631.97 48,144.60 2.88 7.45 0.00 1.00 0.00 7.14 0.00 17.44 0.00 1.04 0.00 0.04

9 1,500.00 2,000.00 4,656.00 75,364.00 4.93 79.84 12,088.49 60,233.09 1.87 9.32 3.00 4.00 21.43 28.57 410.61 428.05 24.58 25.62 3.40 0.71

10 2,000.00 2,500.00 2,706.00 78,070.00 2.87 82.71 8,762.03 68,995.12 1.36 10.68 1.00 5.00 7.14 35.71 62.33 490.38 3.73 29.35 0.71 0.71

11 2,500.00 3,000.00 2,110.00 80,180.00 2.24 84.95 8,408.16 77,403.28 1.30 11.98 0.00 5.00 0.00 35.71 0.00 490.38 0.00 29.35 0.00 0.63

12 3,000.00 4,000.00 2,642.00 82,822.00 2.80 87.75 13,409.29 90,812.57 2.08 14.05 0.00 5.00 0.00 35.71 0.00 490.38 0.00 29.35 0.00 0.54

13 4,000.00 5,000.00 1,883.00 84,705.00 1.99 89.74 12,289.92 103,102.48 1.90 15.96 0.00 5.00 0.00 35.71 0.00 490.38 0.00 29.35 0.00 0.48

14 5,000.00 7,500.00 2,489.00 87,194.00 2.64 92.38 21,421.81 124,524.29 3.32 19.27 2.00 7.00 14.29 50.00 319.96 810.33 19.15 48.51 1.49 0.65

15 7,500.00 10,000.00 1,592.00 88,786.00 1.69 94.06 19,720.02 144,244.31 3.05 22.32 2.00 9.00 14.29 64.29 555.00 1,365.33 33.22 81.73 2.81 0.95

16 10,000.00 20,000.00 2,413.00 91,199.00 2.56 96.62 47,777.47 192,021.78 7.39 29.72 4.00 13.00 28.57 92.86 301.07 1,666.41 18.02 99.75 0.63 0.87

17 20,000.00 50,000.00 1,778.00 92,977.00 1.88 98.50 75,079.75 267,101.54 11.62 41.34 0.00 13.00 0.00 92.86 0.00 1,666.41 0.00 99.75 0.00 0.62

18 50,000.00 100,000.00 780.00 93,757.00 0.83 99.33 69,664.11 336,765.65 10.78 52.12 0.00 13.00 0.00 92.86 0.00 1,666.41 0.00 99.75 0.00 0.49

19 100,000.00 500,000.00 537.00 94,294.00 0.57 99.90 150,502.86 487,268.50 23.29 75.41 1.00 14.00 7.14 100.00 4.14 1,670.54 0.25 100.00 0.00 0.34

20 500,000.00 UP 95.00 94,389.00 0.10 100.00 158,871.25 646,139.75 24.59 100.00 0.00 14.00 0.00 100.00 0.00 1,670.54 0.00 100.00 0.00 0.26


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

60



27/07/2015


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 990.00 990.00 5.79 5.79 34.05 34.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 486.00 1,476.00 2.84 8.63 54.99 89.04 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 720.00 2,196.00 4.21 12.84 167.19 256.23 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 677.00 2,873.00 3.96 16.80 247.88 504.11 0.02 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 824.00 3,697.00 4.82 21.62 518.20 1,022.31 0.03 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 735.00 4,432.00 4.30 25.92 703.42 1,725.73 0.04 0.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 687.00 5,119.00 4.02 29.94 943.79 2,669.51 0.06 0.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 1,003.00 6,122.00 5.87 35.80 2,003.78 4,673.29 0.12 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 715.00 6,837.00 4.18 39.98 1,935.62 6,608.91 0.12 0.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 604.00 7,441.00 3.53 43.52 2,035.32 8,644.23 0.13 0.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 531.00 7,972.00 3.11 46.62 2,200.27 10,844.50 0.14 0.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 767.00 8,739.00 4.49 51.11 3,995.22 14,839.73 0.25 0.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 604.00 9,343.00 3.53 54.64 3,985.47 18,825.20 0.25 1.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 1,069.00 10,412.00 6.25 60.89 9,578.45 28,403.65 0.59 1.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 815.00 11,227.00 4.77 65.66 10,146.42 38,550.07 0.62 2.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 1,564.00 12,791.00 9.15 74.81 31,801.19 70,351.26 1.96 4.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 1,705.00 14,496.00 9.97 84.78 76,649.27 147,000.54 4.72 9.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 1,001.00 15,497.00 5.85 90.63 98,362.50 245,363.04 6.06 15.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 1,201.00 16,698.00 7.02 97.65 343,852.72 589,215.75 21.17 36.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 401.00 17,099.00 2.35 100.00 1,034,693.20 1,623,908.96 63.72 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

61



27/07/2015


BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 5,907.00 5,907.00 9.65 9.65 178.70 178.70 0.05 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 4,478.00 10,385.00 7.32 16.97 505.24 683.94 0.15 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 8,786.00 19,171.00 14.36 31.33 1,907.97 2,591.92 0.55 0.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 6,648.00 25,819.00 10.86 42.20 2,415.65 5,007.57 0.70 1.45 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 8,845.00 34,664.00 14.46 56.65 5,054.06 10,061.63 1.46 2.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 5,755.00 40,419.00 9.41 66.06 4,947.72 15,009.35 1.43 4.34 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 4,748.00 45,167.00 7.76 73.82 5,754.28 20,763.63 1.66 6.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 4,500.00 49,667.00 7.35 81.17 7,659.82 28,423.45 2.21 8.22 1.00 1.00 100.00 100.00 50.00 50.00 100.00 100.00 0.65 0.18

9 1,500.00 2,000.00 2,587.00 52,254.00 4.23 85.40 6,241.25 34,664.70 1.80 10.02 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.14

10 2,000.00 2,500.00 1,556.00 53,810.00 2.54 87.94 4,845.33 39,510.03 1.40 11.42 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.13

11 2,500.00 3,000.00 1,218.00 55,028.00 1.99 89.93 4,634.16 44,144.18 1.34 12.76 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.11

12 3,000.00 4,000.00 1,422.00 56,450.00 2.32 92.26 6,939.26 51,083.44 2.01 14.77 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.10

13 4,000.00 5,000.00 908.00 57,358.00 1.48 93.74 5,868.07 56,951.52 1.70 16.46 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.09

14 5,000.00 7,500.00 1,186.00 58,544.00 1.94 95.68 10,263.28 67,214.80 2.97 19.43 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.07

15 7,500.00 10,000.00 679.00 59,223.00 1.11 96.79 8,620.33 75,835.13 2.49 21.92 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.07

16 10,000.00 20,000.00 902.00 60,125.00 1.47 98.26 20,008.74 95,843.87 5.78 27.71 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.05

17 20,000.00 50,000.00 524.00 60,649.00 0.86 99.12 24,536.49 120,380.36 7.09 34.80 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.04

18 50,000.00 100,000.00 221.00 60,870.00 0.36 99.48 21,633.28 142,013.64 6.25 41.05 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.04

19 100,000.00 500,000.00 275.00 61,145.00 0.45 99.93 88,120.28 230,133.92 25.47 66.53 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.02

20 500,000.00 UP 44.00 61,189.00 0.07 100.00 115,787.78 345,921.69 33.47 100.00 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.01


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

62



27/07/2015

OCCUPATION :AGRICULTURAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 5.00 5.00 1.32 1.32 0.54 0.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 5.00 10.00 1.32 2.64 1.06 1.59 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 10.00 20.00 2.64 5.28 4.55 6.14 0.02 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 8.00 28.00 2.11 7.39 4.97 11.11 0.02 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 10.00 38.00 2.64 10.03 9.37 20.48 0.04 0.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 16.00 54.00 4.22 14.25 16.06 36.53 0.07 0.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 6.00 60.00 1.58 15.83 6.32 42.85 0.03 0.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 26.00 86.00 6.86 22.69 51.87 94.72 0.22 0.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 15.00 101.00 3.96 26.65 40.90 135.62 0.17 0.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 12.00 113.00 3.17 29.82 44.72 180.34 0.19 0.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 13.00 126.00 3.43 33.25 52.69 233.03 0.22 0.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 14.00 140.00 3.69 36.94 68.58 301.61 0.29 1.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 7.00 147.00 1.85 38.79 54.14 355.75 0.23 1.49 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 20.00 167.00 5.28 44.06 155.53 511.28 0.65 2.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 23.00 190.00 6.07 50.13 247.82 759.10 1.04 3.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 32.00 222.00 8.44 58.58 536.16 1,295.26 2.24 5.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 63.00 285.00 16.62 75.20 2,483.45 3,778.71 10.39 15.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 47.00 332.00 12.40 87.60 4,569.84 8,348.55 19.12 34.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 40.00 372.00 10.55 98.15 7,644.18 15,992.73 31.99 66.92 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 7.00 379.00 1.85 100.00 7,904.59 23,897.32 33.08 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

63



27/07/2015

OCCUPATION :COMMERCIAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 12,635.00 12,635.00 13.82 13.82 520.92 520.92 0.07 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 7,888.00 20,523.00 8.63 22.45 941.94 1,462.86 0.12 0.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 9,530.00 30,053.00 10.42 32.87 2,169.73 3,632.59 0.29 0.48 1.00 1.00 1.61 1.61 4.82 4.82 0.08 0.08 0.22 0.13

4 200.00 300.00 6,257.00 36,310.00 6.84 39.72 2,328.55 5,961.13 0.31 0.79 1.00 2.00 1.61 3.23 6.98 11.80 0.11 0.19 0.30 0.20

5 300.00 500.00 9,455.00 45,765.00 10.34 50.06 5,734.49 11,695.62 0.76 1.54 16.00 18.00 25.81 29.03 65.99 77.79 1.04 1.22 1.15 0.67

6 500.00 750.00 6,700.00 52,465.00 7.33 57.39 6,030.26 17,725.89 0.80 2.34 3.00 21.00 4.84 33.87 111.19 188.98 1.74 2.96 1.84 1.07

7 750.00 1,000.00 8,385.00 60,850.00 9.17 66.56 11,235.60 28,961.49 1.48 3.82 1.00 22.00 1.61 35.48 62.47 251.45 0.98 3.94 0.56 0.87

8 1,000.00 1,500.00 8,429.00 69,279.00 9.22 75.78 15,159.07 44,120.56 2.00 5.82 2.00 24.00 3.23 38.71 107.84 359.29 1.69 5.64 0.71 0.81

9 1,500.00 2,000.00 4,191.00 73,470.00 4.58 80.36 10,679.55 54,800.10 1.41 7.23 4.00 28.00 6.45 45.16 373.42 732.70 5.86 11.49 3.50 1.34

10 2,000.00 2,500.00 2,591.00 76,061.00 2.83 83.19 8,398.39 63,198.50 1.11 8.34 2.00 30.00 3.23 48.39 164.22 896.92 2.58 14.07 1.96 1.42

11 2,500.00 3,000.00 1,976.00 78,037.00 2.16 85.36 7,949.19 71,147.69 1.05 9.38 2.00 32.00 3.23 51.61 179.63 1,076.55 2.82 16.89 2.26 1.51

12 3,000.00 4,000.00 2,562.00 80,599.00 2.80 88.16 12,763.72 83,911.40 1.68 11.07 3.00 35.00 4.84 56.45 104.87 1,181.42 1.64 18.53 0.82 1.41

13 4,000.00 5,000.00 1,859.00 82,458.00 2.03 90.19 12,133.93 96,045.34 1.60 12.67 3.00 38.00 4.84 61.29 210.40 1,391.82 3.30 21.83 1.73 1.45

14 5,000.00 7,500.00 2,372.00 84,830.00 2.59 92.79 20,397.28 116,442.62 2.69 15.36 7.00 45.00 11.29 72.58 510.56 1,902.38 8.01 29.84 2.50 1.63

15 7,500.00 10,000.00 1,487.00 86,317.00 1.63 94.41 18,559.88 135,002.50 2.45 17.81 2.00 47.00 3.23 75.81 203.02 2,105.40 3.18 33.02 1.09 1.56

16 10,000.00 20,000.00 2,302.00 88,619.00 2.52 96.93 44,071.74 179,074.24 5.81 23.62 2.00 49.00 3.23 79.03 596.76 2,702.16 9.36 42.38 1.35 1.51

17 20,000.00 50,000.00 1,680.00 90,299.00 1.84 98.77 71,930.51 251,004.75 9.49 33.11 7.00 56.00 11.29 90.32 3,013.72 5,715.89 47.27 89.66 4.19 2.28

18 50,000.00 100,000.00 622.00 90,921.00 0.68 99.45 61,637.08 312,641.83 8.13 41.23 2.00 58.00 3.23 93.55 446.27 6,162.15 7.00 96.66 0.72 1.97

19 100,000.00 500,000.00 431.00 91,352.00 0.47 99.92 117,476.13 430,117.95 15.49 56.73 4.00 62.00 6.45 100.00 213.16 6,375.31 3.34 100.00 0.18 1.48

20 500,000.00 UP 74.00 91,426.00 0.08 100.00 328,082.08 758,200.03 43.27 100.00 0.00 62.00 0.00 100.00 0.00 6,375.31 0.00 100.00 0.00 0.84


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

64



27/07/2015

OCCUPATION :INDUSTRIAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 501.00 501.00 3.34 3.34 16.38 16.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 288.00 789.00 1.92 5.26 36.30 52.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 100.00 200.00 554.00 1,343.00 3.69 8.96 133.94 186.62 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 200.00 300.00 386.00 1,729.00 2.57 11.53 163.39 350.01 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 300.00 500.00 686.00 2,415.00 4.57 16.10 445.59 795.60 0.03 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 500.00 750.00 583.00 2,998.00 3.89 19.99 586.06 1,381.65 0.03 0.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 750.00 1,000.00 663.00 3,661.00 4.42 24.41 915.28 2,296.94 0.05 0.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 1,000.00 1,500.00 955.00 4,616.00 6.37 30.78 1,846.17 4,143.11 0.11 0.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 1,500.00 2,000.00 708.00 5,324.00 4.72 35.50 1,933.47 6,076.57 0.11 0.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 2,000.00 2,500.00 544.00 5,868.00 3.63 39.13 1,800.67 7,877.24 0.11 0.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 2,500.00 3,000.00 471.00 6,339.00 3.14 42.27 2,057.10 9,934.34 0.12 0.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 3,000.00 4,000.00 735.00 7,074.00 4.90 47.17 3,648.53 13,582.87 0.22 0.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 4,000.00 5,000.00 593.00 7,667.00 3.95 51.12 3,880.39 17,463.26 0.23 1.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 5,000.00 7,500.00 955.00 8,622.00 6.37 57.49 8,305.72 25,768.99 0.49 1.52 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 7,500.00 10,000.00 763.00 9,385.00 5.09 62.58 9,631.68 35,400.67 0.57 2.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 10,000.00 20,000.00 1,427.00 10,812.00 9.52 72.09 28,916.60 64,317.27 1.70 3.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 20,000.00 50,000.00 1,638.00 12,450.00 10.92 83.02 70,599.83 134,917.10 4.16 7.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 50,000.00 100,000.00 919.00 13,369.00 6.13 89.14 81,786.23 216,703.33 4.82 12.77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 100,000.00 500,000.00 1,204.00 14,573.00 8.03 97.17 328,054.23 544,757.56 19.33 32.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 500,000.00 UP 424.00 14,997.00 2.83 100.00 1,152,053.49 1,696,811.05 67.90 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

65



27/07/2015

OCCUPATION :RESIDENTIAL

BAND

(d)/∑(d)

CUM

∑(f)

BAND

(i)/∑(i)

CUM

∑(j)

BAND

(m)/∑(m)

CUM

∑(n)

BAND

(q)/∑(q)

CUM

∑('r)‎

BAND

(p)/(h)

CUM

q/i


1 0.00 50.00 3,733.00 3,733.00 6.31 6.31 147.15 147.15 0.04 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 50.00 100.00 4,668.00 8,401.00 7.89 14.21 550.18 697.33 0.16 0.20 1.00 1.00 4.00 4.00 3.80 3.80 1.36 1.36 0.69 0.55

3 100.00 200.00 9,162.00 17,563.00 15.49 29.70 1,988.70 2,686.03 0.58 0.78 3.00 4.00 12.00 16.00 79.38 83.18 28.37 29.73 3.99 3.10

4 200.00 300.00 6,877.00 24,440.00 11.63 41.33 2,390.51 5,076.54 0.70 1.48 1.00 5.00 4.00 20.00 5.53 88.71 1.98 31.71 0.23 1.75

5 300.00 500.00 9,052.00 33,492.00 15.31 56.63 5,004.98 10,081.52 1.46 2.94 8.00 13.00 32.00 52.00 11.12 99.83 3.98 35.69 0.22 0.99

6 500.00 750.00 5,894.00 39,386.00 9.97 66.60 4,934.30 15,015.81 1.44 4.39 4.00 17.00 16.00 68.00 43.05 142.89 15.39 51.08 0.87 0.95

7 750.00 1,000.00 4,492.00 43,878.00 7.60 74.20 5,311.25 20,327.06 1.55 5.94 2.00 19.00 8.00 76.00 13.45 156.34 4.81 55.89 0.25 0.77

8 1,000.00 1,500.00 4,279.00 48,157.00 7.24 81.43 7,209.29 27,536.35 2.11 8.04 2.00 21.00 8.00 84.00 25.21 181.55 9.01 64.90 0.35 0.66

9 1,500.00 2,000.00 2,456.00 50,613.00 4.15 85.58 5,846.57 33,382.91 1.71 9.75 1.00 22.00 4.00 88.00 48.70 230.25 17.41 82.31 0.83 0.69

10 2,000.00 2,500.00 1,491.00 52,104.00 2.52 88.11 4,606.33 37,989.24 1.35 11.09 0.00 22.00 0.00 88.00 0.00 230.25 0.00 82.31 0.00 0.61

11 2,500.00 3,000.00 1,192.00 53,296.00 2.02 90.12 4,383.63 42,372.87 1.28 12.37 1.00 23.00 4.00 92.00 13.67 243.92 4.88 87.19 0.31 0.58

12 3,000.00 4,000.00 1,373.00 54,669.00 2.32 92.44 6,614.77 48,987.64 1.93 14.31 0.00 23.00 0.00 92.00 0.00 243.92 0.00 87.19 0.00 0.50

13 4,000.00 5,000.00 865.00 55,534.00 1.46 93.91 5,364.81 54,352.45 1.57 15.87 0.00 23.00 0.00 92.00 0.00 243.92 0.00 87.19 0.00 0.45

14 5,000.00 7,500.00 1,122.00 56,656.00 1.90 95.80 9,908.27 64,260.72 2.89 18.77 1.00 24.00 4.00 96.00 10.67 254.59 3.81 91.01 0.11 0.40

15 7,500.00 10,000.00 641.00 57,297.00 1.08 96.89 8,174.52 72,435.24 2.39 21.15 0.00 24.00 0.00 96.00 0.00 254.59 0.00 91.01 0.00 0.35

16 10,000.00 20,000.00 810.00 58,107.00 1.37 98.26 18,456.08 90,891.33 5.39 26.54 0.00 24.00 0.00 96.00 0.00 254.59 0.00 91.01 0.00 0.28

17 20,000.00 50,000.00 533.00 58,640.00 0.90 99.16 24,545.68 115,437.01 7.17 33.71 1.00 25.00 4.00 100.00 25.15 279.74 8.99 100.00 0.10 0.24

18 50,000.00 100,000.00 212.00 58,852.00 0.36 99.52 22,983.37 138,420.38 6.71 40.42 0.00 25.00 0.00 100.00 0.00 279.74 0.00 100.00 0.00 0.20

19 100,000.00 500,000.00 243.00 59,095.00 0.41 99.93 80,148.12 218,568.50 23.41 63.83 0.00 25.00 0.00 100.00 0.00 279.74 0.00 100.00 0.00 0.13

20 500,000.00 UP 43.00 59,138.00 0.07 100.00 123,845.51 342,414.01 36.17 100.00 0.00 25.00 0.00 100.00 0.00 279.74 0.00 100.00 0.00 0.08


RISK & LOSS PROFILE

As At 30/06/2015

PROCESSING DATE

BAND

SUM INSURED (BAND)


GROSS PREMIUM


INCURED CLAIM

(In million Rp)

PERCENTAGE

LOSS RATIO

FROM TO fF

∑(d)

PERCENTAGE

rpRp

∑(h)

PERCENTAGE

fF

∑(l)

PERCENTAGE

rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p)

PERCENTAGE

66


UNDERWRITING YEAR : PROCESSING DATE :

POLICY STATUS :

% Amount % Amount % Amount % %

BANDA ACEH 1.1 0.22

MEDAN 1.2 2.17

OTHERS 1.3 4.58

NORTH SUMATERA 1 6.97

PADANG 2.1 0.77

PALEMBANG 2.2 0.73

OTHERS 2.3 5.71

SOUTH SUMATERA 2 7.21

JAKARTA 3.1 21.56

BANDUNG 3.2 0.32

OTHERS 3.3 28.20

WEST JAVA 3 50.08

SEMARANG 4.1 0.30

YOGYAKARTA 4.2 0.47

OTHERS 4.3 5.42

CENTRAL JAVA 4 6.20

SURABAYA 5.1 4.04

OTHERS 5.2 13.96

EAST JAVA 5 18.01

KALIMANTAN 6 5.71

UJUNG PANDANG 7.1 0.48

OTHERS 7.2 2.77

SULAWESI 7 3.25

OTHERS 8 2.57

A;C;E;N;R In IDR

NATIONAL AGGREGAT EXPOSURE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE

As At 30/06/2015

2011

CRESTA ZONE

Amount Amount

4,799,061,565,236.65 7,616,473,677.40 0.27 518 0.31 363,816,500.00 5.47 4 4.60

46,652,172,698,019.40 54,849,290,878.55 1.94 5,777 3.48 96,659,672.63 1.45 8 9.20

98,732,449,809,919.40 132,329,486,203.50 4.69 4,491 2.71 156,092,898.00 2.35 2 2.30

9.26 14 16.09

16,558,741,293,262.30 30,870,980,180.28 1.09 9,869 5.95 29,390,800.00 0.44

150,183,684,073,175.00 194,795,250,759.45 6.90 10,786 6.50 616,569,070.63

5 5.75

15,670,152,211,490.50 14,648,819,921.46 0.52 1,443 0.87 0.00 0.00 0 0.00

123,060,615,053,710.00 136,969,849,762.64 4.85 16,565 9.98 2,960,841,000.00 44.49 8 9.20

44.93 13 14.94

464,501,709,083,112.00 669,813,175,934.73 23.74 38,645 23.29 0.00 0.00

155,289,508,558,463.00 182,489,649,864.38 6.47 27,877 16.80 2,990,231,800.00

0 0.00

6,881,910,055,825.06 10,069,205,917.11 0.36 1,147 0.69 67,353,075.00 1.01 1 1.15

607,607,677,895,557.00 837,246,086,303.36 29.68 34,085 20.54 7,100,000.00 0.11 1 1.15

1.12 2 2.30

6,547,169,388,280.43 7,986,696,304.55 0.28 669 0.40 0.00 0.00

1,078,991,297,034,490.00 1,517,128,468,155.20 53.77 73,877 44.52 74,453,075.00

0 0.00

10,227,924,407,900.00 15,336,936,026.90 0.54 2,155 1.30 0.00 0.00 0 0.00

116,804,919,938,213.00 146,322,144,818.04 5.19 9,711 5.85 0.00 0.00 0 0.00

0.00 0 0.00

87,137,349,483,550.50 110,500,306,327.69 3.92 6,063 3.65 0.00 0.00

133,580,013,734,394.00 169,645,777,149.49 6.01 12,535 7.55 0.00

0 0.00

300,813,831,856,445.00 360,789,369,393.49 12.79 7,287 4.39 0.00 0.00 0 0.00

387,951,181,339,995.00 471,289,675,721.18 16.70 13,350 8.05 0.00 0.00 0 0.00

0.00

10,441,385,729,218.00 9,478,927,946.13 0.34 1,851 1.12 0.00 0.00

123,120,604,752,261.00 103,644,783,974.23 3.67 5,727 3.45 0.00

59,644,593,333,905.30 93,690,275,855.82 3.32 7,029 4.24 6,662,800.00 0.10 1

0.00 0

3.66 8,880 5.35 6,662,800.00 0.10 1 1.15

0 0.00

6,655,052,732.33 100.00 87 100.00

27/07/2015

44.58 57 65.52

T O T A L 2,154,508,565,599,000.00 100.00 2,821,322,404,542.43 100.00 165,940 100.00

55,306,297,043,097.90 79,159,595,116.55 2.81 12,908 7.78 2,967,135,986.70

1.15

70,085,979,063,123.30 103,169,203,801.95

67



POLICY STATUS :


BANDA ACEH 1.1 0.20

MEDAN 1.2 2.04

OTHERS 1.3 2.07


PADANG 2.1 0.98

PALEMBANG 2.2 0.98

OTHERS 2.3 6.95


JAKARTA 3.1 20.67

BANDUNG 3.2 0.57

OTHERS 3.3 33.97

WEST JAVA 3 55.20

SEMARANG 4.1 0.36

YOGYAKARTA 4.2 0.48

OTHERS 4.3 5.31

CENTRAL JAVA 4 6.15

SURABAYA 5.1 2.61

OTHERS 5.2 10.87

EAST JAVA 5 13.48

KALIMANTAN 6 5.24


OTHERS 7.2 2.79

SULAWESI 7 3.33

OTHERS 8 3.38

NATIONAL AGGREGAT

EXPOSURENATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCYCRESTA ZONE

Amount Amount



As At 30/06/2015

2012 27/07/2015

A;C;E;N;R In IDR

83.15 6 40.00

39,461,037,801,624.10 49,028,982,214.66 1.85 6,002 3.47 14,936,201.00 0.87

3,853,109,114,587.20 7,270,770,334.31 0.27 588 0.34 1,430,714,900.00

2 13.33

40,046,371,005,873.30 52,543,554,383.44 1.99 4,654 2.69 0.00 0.00 0 0.00

83,360,517,922,084.60 108,843,306,932.41 4.11 11,244 6.50 1,445,651,101.00 84.02 8 53.33

0.00 0 0.00

18,924,640,233,255.90 17,692,460,684.60 0.67 1,533 0.89 0.00 0.00

18,866,092,244,302.70 35,565,026,539.09 1.34 10,638 6.15 0.00

0 0.00

134,125,533,745,810.00 155,605,893,467.28 5.88 17,378 10.04 50,000,000.00 2.91 1 6.67

171,916,266,223,368.00 208,863,380,690.97 7.90 29,549 17.07 50,000,000.00 2.91 1 6.67

0.00 0 0.00

10,941,392,878,987.80 16,342,793,344.50 0.62 1,986 1.15 0.00 0.00

399,151,129,341,981.00 598,194,044,611.17 22.61 36,236 20.93 0.00

0 0.00

655,965,204,624,330.00 954,203,812,153.42 36.07 36,684 21.19 17,438,200.00 1.01 1 6.67

1,066,057,726,845,300.00 1,568,740,650,109.09 59.30 74,906 43.27 17,438,200.00 1.01 1 6.67

0.00 0 0.00

9,213,654,452,599.54 14,027,570,399.90 0.53 2,309 1.33 0.00 0.00

7,032,671,423,369.66 8,721,154,566.99 0.33 803 0.46 0.00

0 0.00

102,486,294,341,901.00 128,289,542,295.50 4.85 10,322 5.96 0.00 0.00 0 0.00

118,732,620,217,870.00 151,038,267,262.39 5.71 13,434 7.76 0.00 0.00 0 0.00

0.00 0 0.00

210,015,661,096,202.00 259,614,064,847.87 9.81 7,802 4.51 0.00 0.00

50,352,975,158,199.70 64,104,661,224.53 2.42 6,180 3.57 0.00

0 0.00

260,368,636,254,402.00 323,718,726,072.40 12.24 13,982 8.08 0.00 0.00 0 0.00

101,269,813,257,791.00 93,648,111,530.21 3.54 7,633 4.41 0.00 0.00 0 0.00

0.00 0 0.00

53,890,334,194,031.10 82,540,150,406.55 3.12 6,206 3.59 77,942,400.00 4.53

10,366,655,119,882.30 9,898,401,546.96 0.37 1,914 1.11 0.00

2 13.33

64,256,989,313,913.30 92,438,551,953.51 3.49 8,120 4.69 77,942,400.00 4.53 2 13.33

65,246,834,197,369.70 98,098,640,829.61 3.71 14,229 8.22 129,510,279.54 7.53 3 20.00

100.00 1,720,541,980.54 100.00 15 100.00T O T A L 1,931,209,404,232,100.00 100.00 2,645,389,635,380.59 100.00 173,097

68



POLICY STATUS :


BANDA ACEH 1.1 0.18

MEDAN 1.2 1.82

OTHERS 1.3 1.90


PADANG 2.1 1.04

PALEMBANG 2.2 0.88

OTHERS 2.3 5.77


JAKARTA 3.1 16.50

BANDUNG 3.2 0.40

OTHERS 3.3 37.40

WEST JAVA 3 54.30

SEMARANG 4.1 0.33

YOGYAKARTA 4.2 0.33

OTHERS 4.3 5.23

CENTRAL JAVA 4 5.89

SURABAYA 5.1 1.43

OTHERS 5.2 7.68

EAST JAVA 5 9.11

KALIMANTAN 6 4.91


OTHERS 7.2 1.50

SULAWESI 7 2.04

OTHERS 8 12.16

NATIONAL AGGREGAT


Amount Amount



As At 30/06/2015

2013 27/07/2015

A;C;E;N;R In IDR

0.01 1 1.75

47,542,841,695,945.20 64,410,152,058.01 1.51 6,598 3.50 0.00 0.00

4,584,417,825,419.94 8,671,562,333.13 0.20 605 0.32 20,985,349.73

0 0.00

49,388,292,913,159.30 75,573,831,958.97 1.78 3,910 2.07 0.00 0.00 0 0.00

101,515,552,434,525.00 148,655,546,350.11 3.50 11,113 5.90 20,985,349.73 0.01 1 1.75

0.00 1 1.75

22,991,302,055,908.20 24,281,721,017.51 0.57 1,873 0.99 0.00 0.00

27,019,846,969,932.80 52,062,491,084.77 1.22 10,653 5.65 6,706,092.35

0 0.00

150,261,108,880,271.00 194,190,187,501.83 4.57 17,897 9.49 3,995,032.99 0.00 1 1.75

200,272,257,906,112.00 270,534,399,604.11 6.36 30,423 16.14 10,701,125.34 0.00 2 3.51

0.00 0 0.00

10,455,800,182,858.20 16,279,558,111.33 0.38 2,123 1.13 22,495,295.61 0.01

429,924,032,664,141.00 693,093,334,110.39 16.30 47,625 25.27 0.00

1 1.75

974,495,125,173,158.00 1,664,240,419,693.57 39.14 38,777 20.57 0.00 0.00 0 0.00

1,414,874,958,020,160.00 2,373,613,311,915.29 55.83 88,525 46.96 22,495,295.61 0.01 1 1.75

0.00 0 0.00

8,527,858,959,520.06 13,260,675,808.26 0.31 2,188 1.16 1,500,455,237.19 0.49

8,708,673,384,952.73 11,545,367,381.18 0.27 916 0.49 0.00

5 8.77

136,192,546,432,047.00 185,359,588,031.05 4.36 10,492 5.57 29,104,464,265.10 9.45 6 10.53

153,429,078,776,519.00 210,165,631,220.49 4.94 13,596 7.21 30,604,919,502.29 9.93 11 19.30

0.00 0 0.00

200,084,798,977,104.00 281,458,633,926.23 6.62 8,384 4.45 277,370,076,854.07 90.04

37,296,159,313,449.70 48,078,486,375.47 1.13 6,240 3.31 0.00

39 68.42

237,380,958,290,554.00 329,537,120,301.70 7.75 14,624 7.76 277,370,076,854.07 90.04 39 68.42

128,063,585,552,569.00 133,396,548,264.96 3.14 7,055 3.74 0.00 0.00 0 0.00

0.00 0 0.00

39,155,028,523,482.00 63,648,397,236.51 1.50 6,259 3.32 0.00 0.00

14,056,704,460,026.80 14,160,625,142.90 0.33 2,058 1.09 0.00

0 0.00

53,211,732,983,508.80 77,809,022,379.41 1.83 8,317 4.41 0.00 0.00 0 0.00

316,902,549,313,180.00 708,124,986,197.93 16.65 14,840 7.87 33,394,667.96 0.01 3 5.26

100.00 308,062,572,795.00 100.00 57 100.00T O T A L 2,605,650,673,277,130.00 100.00 4,251,836,566,234.00 100.00 188,493

69



POLICY STATUS :


BANDA ACEH 1.1 0.24

MEDAN 1.2 1.97

OTHERS 1.3 1.86


PADANG 2.1 1.10

PALEMBANG 2.2 0.70

OTHERS 2.3 6.74


JAKARTA 3.1 19.78

BANDUNG 3.2 0.37

OTHERS 3.3 32.91

WEST JAVA 3 53.06

SEMARANG 4.1 0.23

YOGYAKARTA 4.2 0.51

OTHERS 4.3 5.19

CENTRAL JAVA 4 5.92

SURABAYA 5.1 2.87

OTHERS 5.2 13.05

EAST JAVA 5 15.92

KALIMANTAN 6 3.88


OTHERS 7.2 4.12

SULAWESI 7 4.92

OTHERS 8 3.70

NATIONAL AGGREGAT


Amount Amount



As At 30/06/2015

2014 27/07/2015

A;C;E;N;R In IDR

0.00 0 0.00

52,960,197,728,466.80 74,452,259,838.90 1.75 7,330 3.47 0.00 0.00

6,358,619,953,498.16 12,949,221,282.71 0.31 600 0.28 0.00

0 0.00

50,050,764,200,763.80 80,740,535,366.22 1.90 5,002 2.37 0.00 0.00 0 0.00

109,369,581,882,729.00 168,142,016,487.83 3.96 12,932 6.12 0.00 0.00 0 0.00

1.23 1 11.11

18,812,054,223,542.00 20,556,779,467.85 0.48 1,883 0.89 0.00 0.00

29,477,769,570,121.90 56,678,295,511.21 1.34 12,344 5.84 16,000,000.00

0 0.00

181,058,254,439,927.00 240,857,497,050.15 5.68 21,194 10.03 0.00 0.00 0 0.00

229,348,078,233,590.00 318,092,572,029.21 7.50 35,421 16.76 16,000,000.00 1.23 1 11.11

0.00 0 0.00

9,865,031,172,512.33 15,845,074,678.59 0.37 2,037 0.96 0.00 0.00

531,708,345,423,764.00 890,739,103,076.03 20.99 48,501 22.94 0.00

0 0.00

884,594,173,548,510.00 1,523,384,506,403.11 35.91 46,679 22.08 0.00 0.00 0 0.00

1,426,167,550,144,790.00 2,429,968,684,157.73 57.27 97,217 45.99 0.00 0.00 0 0.00

0.00 0 0.00

13,606,090,868,674.60 21,074,808,625.71 0.50 2,538 1.20 0.00 0.00

6,094,897,525,335.40 8,451,156,211.20 0.20 970 0.46 0.00

0 0.00

139,412,503,264,086.00 195,796,480,313.85 4.61 14,155 6.70 0.00 0.00 0 0.00

159,113,491,658,096.00 225,322,445,150.76 5.31 17,663 8.36 0.00 0.00 0 0.00

0.00 0 0.00

350,891,208,794,371.00 512,797,353,232.03 12.09 11,194 5.30 111,029,676.05 8.56

77,159,355,434,089.90 108,272,703,197.61 2.55 6,110 2.89 0.00

3 33.33

428,050,564,228,461.00 621,070,056,429.64 14.64 17,304 8.19 111,029,676.05 8.56 3 33.33

104,335,917,881,702.00 110,375,638,021.44 2.60 6,791 3.21 0.00 0.00 0 0.00

0.00 0 0.00

110,822,471,621,368.00 177,246,688,297.98 4.18 6,117 2.89 820,076,625.00 63.20

21,486,486,598,491.00 24,461,587,772.60 0.58 1,922 0.91 0.00

3 33.33

132,308,958,219,859.00 201,708,276,070.58 4.75 8,039 3.80 820,076,625.00 63.20 3 33.33

99,370,933,137,622.20 167,970,999,816.88 3.96 16,015 7.58 350,410,000.00 27.01 2 22.22

100.00 1,297,516,301.05 100.00 9 100.00T O T A L 2,688,065,075,386,850.00 100.00 4,242,650,688,164.07 100.00 211,382

70



POLICY STATUS :


BANDA ACEH 1.1 0.09

MEDAN 1.2 3.05

OTHERS 1.3 1.09


PADANG 2.1 0.87

PALEMBANG 2.2 0.54

OTHERS 2.3 5.91


JAKARTA 3.1 22.80

BANDUNG 3.2 0.68

OTHERS 3.3 35.02

WEST JAVA 3 58.49

SEMARANG 4.1 0.17

YOGYAKARTA 4.2 0.44

OTHERS 4.3 7.08

CENTRAL JAVA 4 7.70

SURABAYA 5.1 3.46

OTHERS 5.2 6.68

EAST JAVA 5 10.15

KALIMANTAN 6 3.92


OTHERS 7.2 2.10

SULAWESI 7 2.72

OTHERS 8 5.50

NATIONAL AGGREGAT


Amount Amount



As At 30/06/2015

2015 27/07/2015

A;C;E;N;R In IDR

0.00 0 0.00

15,266,930,733,632.30 20,193,346,385.75 2.69 1,972 4.03 0.00 0.00

455,976,230,003.88 892,159,151.80 0.12 158 0.32 0.00

0 0.00

5,459,716,930,089.16 8,615,166,286.85 1.15 880 1.80 0.00 0.00 0 0.00

21,182,623,893,725.40 29,700,671,824.40 3.96 3,010 6.14 0.00 0.00 0 0.00

0.00 0 0.00

2,704,718,148,459.90 3,074,991,420.39 0.41 326 0.67 0.00 0.00

4,343,731,570,576.07 7,940,483,158.30 1.06 3,939 8.04 0.00

0 0.00

29,600,541,769,976.90 37,996,586,002.77 5.07 4,776 9.75 0.00 0.00 0 0.00

36,648,991,489,012.90 49,012,060,581.46 6.54 9,041 18.46 0.00 0.00 0 0.00

0.00 0 0.00

3,383,533,867,786.94 5,152,691,687.16 0.69 820 1.67 0.00 0.00

114,243,160,461,085.00 181,367,105,417.01 24.19 10,593 21.63 0.00

0 0.00

175,486,957,797,968.00 282,395,849,964.38 37.67 11,247 22.96 0.00 0.00 0 0.00

293,113,652,126,839.00 468,915,647,068.55 62.55 22,660 46.26 0.00 0.00 0 0.00

0.00 0 0.00

2,202,243,172,949.89 3,398,558,663.44 0.45 635 1.30 0.00 0.00

872,040,937,538.39 1,158,646,719.82 0.15 157 0.32 0.00

0 0.00

35,491,815,108,839.00 44,821,354,617.15 5.98 3,492 7.13 0.00 0.00 0 0.00

38,566,099,219,327.30 49,378,560,000.41 6.59 4,284 8.75 0.00 0.00 0 0.00

0.00 0 0.00

33,500,806,604,704.10 46,794,268,170.66 6.24 1,564 3.19 0.00 0.00

17,350,016,361,654.30 23,796,751,706.18 3.17 1,474 3.01 0.00

0 0.00

50,850,822,966,358.40 70,591,019,876.84 9.42 3,038 6.20 0.00 0.00 0 0.00

19,654,791,173,810.90 19,367,525,479.25 2.58 917 1.87 0.00 0.00 0 0.00

0.00 0 0.00

10,501,222,198,359.10 15,191,585,268.44 2.03 1,239 2.53 0.00 0.00

3,108,512,496,701.43 3,325,115,249.15 0.44 428 0.87 0.00

0 0.00

13,609,734,695,060.50 18,516,700,517.59 2.47 1,667 3.40 0.00 0.00 0 0.00

27,540,518,738,916.40 44,217,289,235.14 5.90 4,366 8.91 0.00 0.00 0 0.00

100.00 0.00 0.00 0 0.00T O T A L 501,167,234,303,051.00 100.00 749,699,474,583.64 100.00 48,983

71


UNDERWRITING YEAR : 2011 PROCESSING DATE : 27/07/2015

POLICY STATUS : A;C;E;N;R In IDR


AGRICULTURAL A 20,170,306,793,199.60 0.94 23,897,315,368.61 0.85 379.00 0.23 0.00 0.00 0.00 0.00

COMMERCIAL C 543,583,034,082,770.00 25.23 758,200,033,083.93 26.87 91,426.00 55.10 6,375,313,072.29 95.80 62.00 71.26

INDUSTRIAL I 1,358,267,696,554,130.00 63.04 1,696,811,048,866.14 60.14 14,997.00 9.04 0.00 0.00 0.00 0.00

RESIDENTIAL R 232,487,528,168,908.00 10.79 342,414,007,223.76 12.14 59,138.00 35.64 279,739,660.04 4.20 25.00 28.74

T O T A L 2,154,508,565,599,000.00 100.00 2,821,322,404,542.44 100.00 165,940.00 100.00 6,655,052,732.33 100.00 87.00 100.00


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION

As At 30/06/2015

OCCUPATION

NATIONAL AGGREGATE

EXPOSURENATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY

72





AGRICULTURAL A 23,543,592,772,030.10 1.22 29,419,229,652.86 1.11 420.00 0.24 0.00 0.00 0.00 0.00

COMMERCIAL C 452,326,550,885,605.00 23.42 646,139,753,626.54 24.43 94,389.00 54.53 1,670,541,980.54 97.09 14.00 93.33

INDUSTRIAL I 1,225,238,409,045,250.00 63.44 1,623,908,958,082.86 61.39 17,099.00 9.88 0.00 0.00 0.00 0.00

RESIDENTIAL R 230,100,851,529,218.00 11.91 345,921,694,018.32 13.08 61,189.00 35.35 50,000,000.00 2.91 1.00 6.67

T O T A L 1,931,209,404,232,100.00 100.00 2,645,389,635,380.58 100.00 173,097.00 100.00 1,720,541,980.54 100.00 15.00 100.00



As At 30/06/2015

OCCUPATION

NATIONAL AGGREGATE


73





AGRICULTURAL A 25,720,200,428,711.00 0.99 34,917,831,995.79 0.82 482.00 0.26 0.00 0.00 0.00 0.00

COMMERCIAL C 945,213,315,483,594.00 36.28 1,714,074,272,679.52 40.31 100,292.00 53.21 306,212,972,292.31 99.40 45.00 78.95

INDUSTRIAL I 1,317,498,327,917,740.00 50.56 2,028,735,955,272.71 47.71 18,252.00 9.68 1,750,356,290.96 0.57 5.00 8.77

RESIDENTIAL R 317,218,829,447,078.00 12.17 474,108,506,285.99 11.15 69,467.00 36.85 99,244,211.73 0.03 7.00 12.28

T O T A L 2,605,650,673,277,120.00 100.00 4,251,836,566,234.01 100.00 188,493.00 100.00 308,062,572,795.00 100.00 57.00 100.00



As At 30/06/2015

OCCUPATION

NATIONAL AGGREGATE


74





AGRICULTURAL A 19,270,163,312,967.20 0.72 24,913,072,274.44 0.59 420.00 0.20 0.00 0.00 0.00 0.00

COMMERCIAL C 597,476,872,879,481.00 22.23 918,279,907,201.54 21.64 109,009.00 51.57 1,228,599,676.05 94.69 7.00 77.78

INDUSTRIAL I 1,684,181,022,050,690.00 62.65 2,679,945,456,394.16 63.17 17,159.00 8.12 0.00 0.00 0.00 0.00

RESIDENTIAL R 387,137,017,143,709.00 14.40 619,512,252,293.91 14.60 84,794.00 40.11 68,916,625.00 5.31 2.00 22.22

T O T A L 2,688,065,075,386,850.00 100.00 4,242,650,688,164.05 100.00 211,382.00 100.00 1,297,516,301.05 100.00 9.00 100.00



As At 30/06/2015

OCCUPATION

NATIONAL AGGREGATE


75





AGRICULTURAL A 1,597,018,054,605.00 0.32 2,213,841,234.19 0.30 59.00 0.12 0.00 0.00 0.00 0.00

COMMERCIAL C 139,793,099,008,678.00 27.89 211,342,544,879.01 28.19 20,377.00 41.60 0.00 0.00 0.00 0.00

INDUSTRIAL I 276,039,374,566,958.00 55.08 409,408,218,483.81 54.61 3,079.00 6.29 0.00 0.00 0.00 0.00

RESIDENTIAL R 83,737,742,672,810.20 16.71 126,734,869,986.60 16.90 25,468.00 51.99 0.00 0.00 0.00 0.00

T O T A L 501,167,234,303,051.00 100.00 749,699,474,583.61 100.00 48,983.00 100.00 0.00 0.00 0.00 0.00



As At 30/06/2015

OCCUPATION

NATIONAL AGGREGATE

EXPOSURENATIONAL GROSS PREMIUM CLAIM CLAIM FREQUENCYNUMBER OF RISKS

76





01. NAD 61,716,398,867,310.90 2.86 87,633,935,480.81 3.11 2,197.00 1.32 3,250,620,587.13 3,250,620,587.13 9.00 9.00

02. SUMATERA UTARA 88,467,285,205,864.50 4.11 107,161,315,278.64 3.80 8,589.00 5.18 379,606,483.50 379,606,483.50 10.00 10.00

03. SUMATERA BARAT 23,705,405,279,292.50 1.10 41,474,958,579.02 1.47 14,192.00 8.55 95,675,000.00 95,675,000.00 4.00 4.00

04. RIAU 35,064,056,469,754.20 1.63 35,256,215,244.00 1.25 3,204.00 1.93 0.00 0.00 0.00 0.00

05. JAMBI 8,231,659,638,051.55 0.38 8,038,465,820.08 0.28 1,334.00 0.80 0.00 0.00 0.00 0.00

06. SUMATERA SELATAN 30,750,924,977,797.60 1.43 31,570,394,331.29 1.12 2,059.00 1.24 0.00 0.00 0.00 0.00

07. BENGKULU 4,060,325,847,435.66 0.19 7,255,605,295.58 0.26 2,564.00 1.55 30,898,800.00 30,898,800.00 5.00 5.00

08. LAMPUNG 27,534,812,464,501.00 1.28 37,249,898,677.14 1.32 2,956.00 1.78 0.00 0.00 0.00 0.00

09. KEP BANGKA-BELITUNG 3,156,384,885,166.98 0.15 2,757,422,298.01 0.10 329.00 0.20 0.00 0.00 0.00 0.00

10. KEPULAUAN RIAU 22,785,938,996,463.70 1.06 18,886,689,619.28 0.67 1,239.00 0.75 0.00 0.00 0.00 0.00

11. JAKARTA 464,501,709,083,112.00 21.56 669,813,175,934.73 23.74 38,645.00 23.29 0.00 0.00 0.00 0.00

12. JAWA BARAT 401,042,121,827,649.00 18.61 549,928,012,533.25 19.49 24,616.00 14.83 74,453,075.00 74,453,075.00 2.00 2.00

13. JAWA TENGAH 121,725,177,084,954.00 5.65 151,888,826,113.28 5.38 9,484.00 5.72 0.00 0.00 0.00 0.00

14. DIY 11,854,836,649,440.00 0.55 17,756,951,036.21 0.63 3,051.00 1.84 0.00 0.00 0.00 0.00

15. JAWA TIMUR 387,951,181,339,995.00 18.01 471,289,675,721.19 16.70 13,350.00 8.05 0.00 0.00 0.00 0.00

16. BANTEN 213,447,466,123,733.00 9.91 297,387,279,687.22 10.54 10,616.00 6.40 0.00 0.00 0.00 0.00

17. BALI 43,282,480,532,299.20 2.01 60,357,067,500.68 2.14 7,026.00 4.23 2,817,135,986.70 2,817,135,986.70 56.00 56.00

18. NUSA TENGGARA BARAT 3,077,047,054,149.34 0.14 5,152,954,498.64 0.18 1,365.00 0.82 0.00 0.00 0.00 0.00

19. NUSA TENGGARA TIMUR 1,617,483,032,767.29 0.08 2,433,951,389.85 0.09 762.00 0.46 0.00 0.00 0.00 0.00

20. KALIMANTAN BARAT 7,209,974,391,744.74 0.33 6,292,796,630.20 0.22 911.00 0.55 0.00 0.00 0.00 0.00

21. KALIMANTAN TENGAH 12,214,732,033,229.00 0.57 10,262,245,474.31 0.36 637.00 0.38 0.00 0.00 0.00 0.00

22. KALIMANTAN SELATAN 28,151,320,447,496.90 1.31 23,762,331,278.15 0.84 1,020.00 0.61 0.00 0.00 0.00 0.00

23. KALIMANTAN TIMUR 75,544,577,879,790.50 3.51 63,327,410,591.57 2.24 3,159.00 1.90 0.00 0.00 0.00 0.00

24. SULAWESI UTARA 20,475,241,127,098.30 0.95 37,726,468,368.21 1.34 2,449.00 1.48 0.00 0.00 0.00 0.00

25. SULAWESI TENGAH 2,234,831,075,451.70 0.10 3,453,309,420.21 0.12 1,539.00 0.93 0.00 0.00 0.00 0.00

26. SULAWESI SELATAN 24,508,942,520,664.60 1.14 24,634,050,796.95 0.87 2,955.00 1.78 6,662,800.00 6,662,800.00 1.00 1.00

27. SULAWESI TENGGARA 9,114,245,475,615.48 0.42 10,519,505,924.99 0.37 541.00 0.33 0.00 0.00 0.00 0.00

28. GORONTALO 12,799,702,686,629.60 0.59 25,429,339,114.68 0.90 1,157.00 0.70 0.00 0.00 0.00 0.00

29. SULAWESI BARAT 953,016,177,663.56 0.04 1,406,530,176.92 0.05 239.00 0.14 0.00 0.00 0.00 0.00

30. MALUKU 1,012,162,473,294.66 0.05 1,761,141,005.57 0.06 403.00 0.24 0.00 0.00 0.00 0.00

31. MALUKU UTARA 599,594,466,006.82 0.03 1,055,956,776.04 0.04 430.00 0.26 0.00 0.00 0.00 0.00

32. PAPUA BARAT 2,191,055,888,141.29 0.10 3,177,814,430.49 0.11 1,213.00 0.73 0.00 0.00 0.00 0.00

33. PAPUA 3,526,473,596,439.34 0.16 5,220,709,515.28 0.19 1,709.00 1.03 0.00 0.00 0.00 0.00

T O T A L 2,154,508,565,599,000.00 100.00 2,821,322,404,542.47 100.00 165,940.00 100.00 6,655,052,732.33 6,655,052,732.33 87.00 87.00

NUMBER OF RISKS


NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE

As At 30/06/2015

PROVINCE

NATIONAL AGGREGAT

EXPOSURENATIONAL GROSS PREMIUM CLAIM CLAIM FREQUENCY

77





01. NAD 8,242,681,344,607.12 0.43 12,339,609,702.98 0.47 1,928.00 1 1,498,153,100.00 1,498,153,100.00 8.00 8.00

02. SUMATERA UTARA 75,117,836,577,477.50 3.89 96,503,697,229.43 3.65 9,316.00 5 82,118,384.00 82,118,384.00 4.00 4.00

03. SUMATERA BARAT 26,868,884,213,511.40 1.39 48,233,293,860.42 1.82 15,231.00 9 0.00 0.00 0.00 0.00

04. RIAU 33,207,775,421,162.90 1.72 35,116,440,154.63 1.33 3,525.00 2 0.00 0.00 0.00 0.00

05. JAMBI 10,895,402,638,529.80 0.56 10,792,361,697.51 0.41 1,657.00 1 0.00 0.00 0.00 0.00

06. SUMATERA SELATAN 40,818,497,980,547.40 2.11 42,553,796,688.77 1.61 2,330.00 1 0.00 0.00 0.00 0.00

07. BENGKULU 4,433,571,477,580.84 0.23 8,246,317,200.13 0.31 2,100.00 1 0.00 0.00 0.00 0.00

08. LAMPUNG 28,273,311,997,973.60 1.46 39,937,679,016.11 1.51 3,021.00 2 0.00 0.00 0.00 0.00

09. KEP BANGKA-BELITUNG 3,770,377,555,319.56 0.20 3,395,498,865.56 0.13 522.00 0 0.00 0.00 0.00 0.00

10. KEPULAUAN RIAU 23,648,444,938,743.10 1.22 20,587,993,207.84 0.78 1,163.00 1 0.00 0.00 0.00 0.00

11. JAKARTA 399,151,129,341,981.00 20.67 598,194,044,611.17 22.61 36,236.00 21 0.00 0.00 0.00 0.00

12. JAWA BARAT 449,712,411,951,516.00 23.29 652,119,622,168.56 24.65 27,255.00 16 0.00 0.00 0.00 0.00

13. JAWA TENGAH 107,296,512,601,410.00 5.56 133,697,602,983.98 5.05 10,180.00 6 0.00 0.00 0.00 0.00

14. DIY 11,436,107,616,460.70 0.59 17,340,664,278.42 0.66 3,254.00 2 0.00 0.00 0.00 0.00

15. JAWA TIMUR 260,368,636,254,402.00 13.48 323,718,726,072.40 12.24 13,982.00 8 0.00 0.00 0.00 0.00

16. BANTEN 217,194,185,551,802.00 11.25 318,426,983,329.37 12.04 11,415.00 7 0.00 0.00 0.00 0.00

17. BALI 50,116,926,207,592.30 2.60 72,955,767,038.10 2.76 7,587.00 4 62,328,096.54 62,328,096.54 1.00 1.00

18. NUSA TENGGARA BARAT 3,836,383,475,500.33 0.20 7,087,522,827.65 0.27 1,477.00 1 0.00 0.00 0.00 0.00

19. NUSA TENGGARA TIMUR 2,108,314,395,720.15 0.11 3,237,699,303.25 0.12 970.00 1 0.00 0.00 0.00 0.00

20. KALIMANTAN BARAT 6,288,814,178,617.00 0.33 5,585,406,508.55 0.21 1,821.00 1 0.00 0.00 0.00 0.00

21. KALIMANTAN TENGAH 11,780,711,832,551.60 0.61 10,662,231,788.53 0.40 698.00 0 0.00 0.00 0.00 0.00

22. KALIMANTAN SELATAN 14,607,685,305,615.70 0.76 13,300,017,057.15 0.50 1,277.00 1 0.00 0.00 0.00 0.00

23. KALIMANTAN TIMUR 68,592,601,941,006.50 3.55 64,100,456,175.97 2.42 3,837.00 2 0.00 0.00 0.00 0.00

24. SULAWESI UTARA 11,198,365,054,549.50 0.58 21,023,484,666.00 0.79 1,863.00 1 0.00 0.00 0.00 0.00

25. SULAWESI TENGAH 2,113,379,896,386.25 0.11 3,327,226,990.16 0.13 1,230.00 1 0.00 0.00 0.00 0.00

26. SULAWESI SELATAN 26,708,791,622,795.70 1.38 27,691,959,517.82 1.05 3,187.00 2 77,942,400.00 77,942,400.00 2.00 2.00

27. SULAWESI TENGGARA 9,050,080,341,377.57 0.47 10,819,930,441.97 0.41 576.00 0 0.00 0.00 0.00 0.00

28. GORONTALO 14,066,940,771,299.70 0.73 27,899,410,999.48 1.05 1,010.00 1 0.00 0.00 0.00 0.00

29. SULAWESI BARAT 1,119,431,627,504.72 0.06 1,676,539,338.07 0.06 254.00 0 0.00 0.00 0.00 0.00

30. MALUKU 1,294,838,879,671.43 0.07 2,361,244,475.46 0.09 511.00 0 0.00 0.00 0.00 0.00

31. MALUKU UTARA 839,309,120,352.22 0.04 1,480,820,184.17 0.06 424.00 0 0.00 0.00 0.00 0.00

32. PAPUA BARAT 3,445,075,692,356.94 0.18 5,138,537,640.92 0.19 1,261.00 1 0.00 0.00 0.00 0.00

33. PAPUA 3,605,986,426,176.26 0.19 5,837,049,360.06 0.22 1,999.00 1 0.00 0.00 0.00 0.00

T O T A L 1,931,209,404,232,100.00 100.00 2,645,389,635,380.59 100.00 173,097.00 100 1,720,541,980.54 1,720,541,980.54 15.00 15.00



As At 30/06/2015

PROVINCE

NATIONAL AGGREGAT


78





01. NAD 9,005,631,873,527.51 0.35 16,000,089,081.17 0.38 1,626.00 0.86 33,412,673.98 33,412,673.98 2.00 2.00

02. SUMATERA UTARA 92,509,920,560,997.00 3.55 132,655,457,268.94 3.12 9,487.00 5.03 0.00 0.00 0.00 0.00

03. SUMATERA BARAT 37,123,475,274,657.40 1.42 70,756,638,221.95 1.66 15,401.00 8.17 10,701,125.34 10,701,125.34 2.00 2.00

04. RIAU 48,542,834,210,792.30 1.86 57,032,212,594.66 1.34 3,557.00 1.89 0.00 0.00 0.00 0.00

05. JAMBI 10,972,622,690,169.70 0.42 12,415,466,743.59 0.29 1,934.00 1.03 0.00 0.00 0.00 0.00


07. BENGKULU 4,865,040,259,933.02 0.19 9,816,378,489.19 0.23 1,827.00 0.97 0.00 0.00 0.00 0.00

08. LAMPUNG 26,647,584,539,396.70 1.02 40,697,993,284.28 0.96 3,056.00 1.62 0.00 0.00 0.00 0.00


10. KEPULAUAN RIAU 27,153,298,444,545.10 1.04 27,797,677,999.64 0.65 1,296.00 0.69 0.00 0.00 0.00 0.00

11. JAKARTA 429,924,032,664,141.00 16.50 693,093,334,110.39 16.30 47,625.00 25.27 0.00 0.00 0.00 0.00

12. JAWA BARAT 703,131,596,776,920.00 26.98 1,201,212,083,152.70 28.25 28,548.00 15.15 22,495,295.61 22,495,295.61 1.00 1.00

13. JAWA TENGAH 141,980,875,350,865.00 5.45 192,446,830,337.54 4.53 10,171.00 5.40 36,673,037.85 36,673,037.85 1.00 1.00

14. DIY 11,448,203,425,654.20 0.44 17,718,800,882.95 0.42 3,425.00 1.82 900,873,816.39 900,873,816.39 4.00 4.00

15. JAWA TIMUR 237,380,958,290,554.00 9.11 329,537,120,301.70 7.75 14,624.00 7.76 307,045,343,990.83 307,045,343,990.83 46.00 46.00

16. BANTEN 281,819,328,579,096.00 10.82 479,307,894,652.20 11.27 12,352.00 6.55 0.00 0.00 0.00 0.00

17. BALI 301,787,423,262,199.00 11.58 681,052,832,813.72 16.02 8,061.00 4.28 0.00 0.00 0.00 0.00

18. NUSA TENGGARA BARAT 4,518,812,817,725.11 0.17 8,803,236,498.45 0.21 1,361.00 0.72 13,072,855.00 13,072,855.00 1.00 1.00


20. KALIMANTAN BARAT 7,941,811,616,492.80 0.30 7,697,153,563.11 0.18 1,069.00 0.57 0.00 0.00 0.00 0.00




24. SULAWESI UTARA 16,568,658,936,005.30 0.64 34,273,037,525.63 0.81 1,857.00 0.99 0.00 0.00 0.00 0.00

25. SULAWESI TENGAH 4,184,131,470,697.59 0.16 6,867,207,802.25 0.16 1,309.00 0.69 0.00 0.00 0.00 0.00

26. SULAWESI SELATAN 27,529,740,570,200.40 1.06 28,396,199,459.62 0.67 3,404.00 1.81 0.00 0.00 0.00 0.00


28. GORONTALO 2,120,342,428,357.58 0.08 4,065,456,398.12 0.10 828.00 0.44 0.00 0.00 0.00 0.00

29. SULAWESI BARAT 1,286,900,043,154.22 0.05 1,927,480,130.89 0.05 311.00 0.16 0.00 0.00 0.00 0.00

30. MALUKU 1,834,818,640,495.64 0.07 3,455,919,928.49 0.08 616.00 0.33 0.00 0.00 0.00 0.00

31. MALUKU UTARA 538,208,280,758.84 0.02 1,040,331,975.79 0.02 376.00 0.20 0.00 0.00 0.00 0.00

32. PAPUA BARAT 2,612,323,243,092.17 0.10 4,219,806,774.84 0.10 1,344.00 0.71 0.00 0.00 0.00 0.00

33. PAPUA 3,859,826,598,396.27 0.15 6,741,420,063.30 0.16 2,320.00 1.23 0.00 0.00 0.00 0.00

T O T A L 2,605,650,673,277,120.00 100.00 4,251,836,566,234.02 100.00 188,493.00 100.00 308,062,572,795.00 308,062,572,795.00 57.00 57.00



As At 30/06/2015

PROVINCE

NATIONAL AGGREGAT


79





01. NAD 10,502,439,335,646.30 0.39 20,609,783,323.99 0.49 1,888.00 0.89 0.00 0.00 0.00 0.00

02. SUMATERA UTARA 98,867,142,547,082.40 3.68 147,532,233,163.83 3.48 11,044.00 5.22 0.00 0.00 0.00 0.00

03. SUMATERA BARAT 40,486,344,266,288.60 1.51 77,752,878,894.61 1.83 17,132.00 8.10 16,000,000.00 16,000,000.00 1.00 1.00

04. RIAU 55,840,220,411,325.60 2.08 65,456,663,285.11 1.54 4,074.00 1.93 0.00 0.00 0.00 0.00

05. JAMBI 11,065,716,213,730.40 0.41 12,835,067,200.00 0.30 2,266.00 1.07 0.00 0.00 0.00 0.00


07. BENGKULU 5,523,126,676,207.22 0.21 11,308,556,281.71 0.27 2,155.00 1.02 0.00 0.00 0.00 0.00

08. LAMPUNG 37,296,673,198,166.30 1.39 58,305,588,868.68 1.37 4,015.00 1.90 0.00 0.00 0.00 0.00


10. KEPULAUAN RIAU 30,387,673,313,163.00 1.13 32,142,809,643.98 0.76 1,540.00 0.73 0.00 0.00 0.00 0.00

11. JAKARTA 531,708,345,423,764.00 19.78 890,739,103,076.03 20.99 48,501.00 22.94 0.00 0.00 0.00 0.00

12. JAWA BARAT 566,346,269,834,249.00 21.07 960,048,952,405.69 22.63 33,697.00 15.94 0.00 0.00 0.00 0.00

13. JAWA TENGAH 141,193,794,174,169.00 5.25 197,433,204,350.41 4.65 13,424.00 6.35 0.00 0.00 0.00 0.00

14. DIY 17,919,697,483,927.30 0.67 27,889,240,800.34 0.66 4,239.00 2.01 0.00 0.00 0.00 0.00

15. JAWA TIMUR 428,050,564,228,461.00 15.92 621,070,056,429.64 14.64 17,304.00 8.19 111,029,676.05 111,029,676.05 3.00 3.00

16. BANTEN 328,112,934,886,773.00 12.21 579,180,628,676.02 13.65 15,019.00 7.11 0.00 0.00 0.00 0.00

17. BALI 73,893,929,884,879.80 2.75 121,227,503,161.89 2.86 9,285.00 4.39 12,910,000.00 12,910,000.00 1.00 1.00

18. NUSA TENGGARA BARAT 11,264,593,036,683.90 0.42 21,598,527,274.20 0.51 1,740.00 0.82 0.00 0.00 0.00 0.00


20. KALIMANTAN BARAT 11,790,089,041,754.30 0.44 11,747,928,642.44 0.28 1,468.00 0.69 0.00 0.00 0.00 0.00




24. SULAWESI UTARA 14,917,784,138,481.30 0.55 30,876,898,508.27 0.73 2,139.00 1.01 820,076,625.00 820,076,625.00 3.00 3.00

25. SULAWESI TENGAH 3,599,334,941,830.73 0.13 6,112,014,026.74 0.14 956.00 0.45 0.00 0.00 0.00 0.00

26. SULAWESI SELATAN 90,455,221,307,121.20 3.37 127,859,578,638.06 3.01 3,627.00 1.72 0.00 0.00 0.00 0.00


28. GORONTALO 2,498,949,922,224.40 0.09 4,905,177,788.98 0.12 548.00 0.26 0.00 0.00 0.00 0.00

29. SULAWESI BARAT 2,964,194,977,560.09 0.11 4,455,660,566.16 0.11 184.00 0.09 0.00 0.00 0.00 0.00

30. MALUKU 2,177,073,886,117.51 0.08 4,242,062,725.97 0.10 741.00 0.35 0.00 0.00 0.00 0.00

31. MALUKU UTARA 844,564,769,178.50 0.03 1,653,435,655.74 0.04 385.00 0.18 0.00 0.00 0.00 0.00

32. PAPUA BARAT 2,861,725,100,454.56 0.11 4,694,917,611.28 0.11 1,350.00 0.64 337,500,000.00 337,500,000.00 1.00 1.00

33. PAPUA 5,585,293,303,963.16 0.21 10,017,694,558.21 0.24 1,962.00 0.93 0.00 0.00 0.00 0.00

T O T A L 2,688,065,075,386,850.00 100.00 4,242,650,688,164.07 100.00 211,382.00 100.00 1,297,516,301.05 1,297,516,301.05 9.00 9.00



As At 30/06/2015

PROVINCE

NATIONAL AGGREGAT


80





01. NAD 2,012,264,836,614.09 0.40 4,080,010,889.93 0.54 411.00 0.84 0.00 0.00 0.00 0.00

02. SUMATERA UTARA 19,170,359,057,111.30 3.83 25,620,660,934.47 3.42 2,599.00 5.31 0.00 0.00 0.00 0.00

03. SUMATERA BARAT 5,986,661,675,010.23 1.19 11,061,908,127.01 1.48 5,434.00 11.09 0.00 0.00 0.00 0.00

04. RIAU 8,856,689,069,525.49 1.77 10,915,939,574.32 1.46 930.00 1.90 0.00 0.00 0.00 0.00

05. JAMBI 1,855,347,995,719.84 0.37 2,065,719,898.33 0.28 402.00 0.82 0.00 0.00 0.00 0.00

06. SUMATERA SELATAN 4,826,759,985,715.52 0.96 5,819,862,986.69 0.78 472.00 0.96 0.00 0.00 0.00 0.00

07. BENGKULU 1,043,807,349,664.97 0.21 1,982,852,075.15 0.26 650.00 1.33 0.00 0.00 0.00 0.00

08. LAMPUNG 6,617,915,899,229.32 1.32 9,786,272,322.92 1.31 709.00 1.45 0.00 0.00 0.00 0.00

09. KEP BANGKA-BELITUNG 582,196,227,782.33 0.12 564,203,690.76 0.08 101.00 0.21 0.00 0.00 0.00 0.00

10. KEPULAUAN RIAU 6,879,613,286,365.16 1.37 6,815,301,906.27 0.91 343.00 0.70 0.00 0.00 0.00 0.00

11. JAKARTA 114,243,160,461,085.00 22.80 181,367,105,417.01 24.19 10,593.00 21.63 0.00 0.00 0.00 0.00

12. JAWA BARAT 123,947,669,414,822.00 24.73 198,011,912,951.79 26.41 8,449.00 17.25 0.00 0.00 0.00 0.00

13. JAWA TENGAH 35,736,117,316,835.70 7.13 45,031,546,624.69 6.01 3,149.00 6.43 0.00 0.00 0.00 0.00

14. DIY 2,829,981,902,491.59 0.56 4,347,013,375.71 0.58 1,135.00 2.32 0.00 0.00 0.00 0.00

15. JAWA TIMUR 50,850,822,966,358.40 10.15 70,591,019,876.83 9.42 3,038.00 6.20 0.00 0.00 0.00 0.00

16. BANTEN 54,922,822,250,932.40 10.96 89,536,628,699.75 11.94 3,618.00 7.39 0.00 0.00 0.00 0.00

17. BALI 22,640,921,910,568.40 4.52 35,744,922,028.96 4.77 2,835.00 5.79 0.00 0.00 0.00 0.00

18. NUSA TENGGARA BARAT 909,288,695,284.98 0.18 1,615,570,548.83 0.22 329.00 0.67 0.00 0.00 0.00 0.00

19. NUSA TENGGARA TIMUR 394,355,918,765.46 0.08 618,427,489.42 0.08 143.00 0.29 0.00 0.00 0.00 0.00

20. KALIMANTAN BARAT 490,115,703,858.68 0.10 455,336,031.89 0.06 170.00 0.35 0.00 0.00 0.00 0.00

21. KALIMANTAN TENGAH 304,926,375,111.67 0.06 285,040,359.44 0.04 71.00 0.14 0.00 0.00 0.00 0.00

22. KALIMANTAN SELATAN 7,096,107,359,708.85 1.42 6,422,796,819.75 0.86 219.00 0.45 0.00 0.00 0.00 0.00

23. KALIMANTAN TIMUR 11,763,641,735,131.70 2.35 12,204,352,268.18 1.63 457.00 0.93 0.00 0.00 0.00 0.00

24. SULAWESI UTARA 2,291,081,855,946.92 0.46 4,401,661,267.75 0.59 530.00 1.08 0.00 0.00 0.00 0.00

25. SULAWESI TENGAH 2,104,338,920,152.37 0.42 3,555,642,431.78 0.47 266.00 0.54 0.00 0.00 0.00 0.00

26. SULAWESI SELATAN 7,721,022,935,268.02 1.54 8,265,713,882.66 1.10 609.00 1.24 0.00 0.00 0.00 0.00

27. SULAWESI TENGGARA 975,672,830,461.00 0.19 1,415,979,324.98 0.19 119.00 0.24 0.00 0.00 0.00 0.00

28. GORONTALO 230,375,284,948.23 0.05 448,234,484.52 0.06 115.00 0.23 0.00 0.00 0.00 0.00

29. SULAWESI BARAT 287,242,868,284.00 0.06 429,469,125.90 0.06 28.00 0.06 0.00 0.00 0.00 0.00

30. MALUKU 859,816,826,199.76 0.17 1,631,640,570.44 0.22 175.00 0.36 0.00 0.00 0.00 0.00

31. MALUKU UTARA 209,433,216,129.24 0.04 406,110,547.80 0.05 92.00 0.19 0.00 0.00 0.00 0.00

32. PAPUA BARAT 506,878,796,805.58 0.10 788,121,868.52 0.11 276.00 0.56 0.00 0.00 0.00 0.00

33. PAPUA 2,019,823,375,162.99 0.40 3,412,496,181.17 0.46 516.00 1.05 0.00 0.00 0.00 0.00

T O T A L 501,167,234,303,051.00 100.00 749,699,474,583.62 100.00 48,983.00 100.00 0.00 0.00 0.00 0.00



As At 30/06/2015

PROVINCE

NATIONAL AGGREGAT


81


Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 30 Juni 2015

Indonesian Earthquake Distribution by Province, Underwriting Year 2015, as at 30 June 2015

82


Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2015

Indonesian Earthquake Distribution M > 5 and Claim Incurred 2015

83


Indonesian Earthquake Distribution by Province, Underwriting Year 2015, as at 30 June 2015, Indonesian Earthquake Distribution M > 5 and Claim Incurred 2015

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 30 Juni 2015

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2015

84


PENGENALAN

Besar Klaim adalah sejumlah uang

yang diajukan oleh pemegang polis kepada

perusahaan asuransi atas kerugian finansial

akibat suatu kejadian. Berdasarkan definisi

tersebut, model peluang untuk peubah acak

Besar Klaim memiliki domain bilangan real

positif, dan memiliki bentuk distribusi yang

skewed to the right atau memiliki ekor (tail) di

kanan.

Proses pemodelan distribusi besar

klaim meliputi tahapan-tahapan berikut:

1. Taksir parameter distribusi untuk suatu

distribusi yang dipilih.

2. Uji kecocokan model menggunakan:

a. Uji Kolmogorov-Smirnov.

b. Uji Anderson-Darling.

3. Apabila terdapat lebih dari 1 (satu) model

distribusi yang cocok, maka gunakan

kriteria pemilihan model berdasarkan

prinsip parsimoni, yaitu dipilih model

dengan jumlah parameter yang lebih

sedikit. Selain prinsip parsimoni, pilih model

dengan nilai Akaike Infirmation Criterion

(AIC, akan dijelaskan pada sub- bab

berikutnya) terbesar (tergantung formula

AIC yang digunakan).

INTRODUCTION

Claims severity is the amount of claims

incurred or paid by an insurance company to a

policyholder due to a financial loss endured by

the policyholder as a result of an event. The

domain of a probability model for a claims

severity random variable is positive real

numbers and the shape of the distribution is

skewed to the right (right-tailed).

The steps in modeling the distribution of

claims severity are as follows:

1. Assume or fit a probability model to the

claims severity random variable and

estimate its parameters.

2. Test the goodness of fit using:

a. The Kolmogorov-Smirnov test.

b. The Anderson-Darling test.

3. If there are more than one plausible

probability models for the data, then select

a model based on the principle of

parsimony, i.e. select a model with fewer

parameters. Moreover, select a probability

model with the largest (or depending on the

definition) Akaike’s Information Criterion

(AIC) value (to be described in the next sub-

chapter).

PEMODELAN DISTRIBUSI BESAR KLAIM

Modeling the Distribution of Claims Severity

85


PENAKSIRAN PARAMETER

Metode Momen

Misalkan 𝑓(𝑥; 𝜃) adalah pdf

(probability density function) atau pf (probability

function) dari suatu peubah acak 𝑋, dengan

𝜃 = (𝜃1, 𝜃2, ⋯ , 𝜃𝑘)′ adalah vektor parameter

dengan 𝑘-elemen, dan 𝜇𝑟′ adalah raw moment

ke-𝑟 dari 𝑋 didefinisikan sebagai 𝐸[𝑋𝑟]. 𝜇𝑟′

adalah fungsi dari parameter 𝜃, dan kita

mengasumsikan ketergantungan fungsional dari

𝜇𝑟′ terhadap 𝜃 diketahui sehingga kita dapat

menulis raw moment ke-𝑟 dari peubah acak 𝑋

sebagai 𝜇𝑟′ (𝜃). Diberikan sampel acak 𝑥 =

(𝑥1, 𝑥2, ⋯ , 𝑥𝑛) dari 𝑋. Maka momen ke-𝑟 dari

sampel adalah:

Taksiran 𝜃 diperoleh menggunakan

metode momen, yaitu solusi secara simultan

dari system persamaan berikut:

μr′(θ) = μ̂r

′ , untuk r = 1,2,⋯ , k

Dengan demikian kita memiliki k-set

persamaan yang melibatkan 𝜃1, 𝜃2, ⋯ , 𝜃𝑘

parameter yang tidak diketahui. Kita asumsikan

terdapat suatu solusi dari sistem persamaan di

atas. Namun, terdapat kemungkinan akan

dihasilkan lebih dari 1 solusi, sehingga estimasi

parameter menggunakan metode momen dapat

saja tidak unik.

PARAMETER ESTIMATION

Moment Method

Let 𝑓(𝑥; 𝜃) be a probability density

function (pdf) or probability function (pf) of a

random variable X, where 𝜃 =

(𝜃1, 𝜃2, ⋯ , 𝜃𝑘)′ is a parameter vector of k

elemens, and 𝜇𝑟′ is rth raw moment of X defined

as 𝐸[𝑋𝑟]. 𝜇𝑟′ is function of the parameter 𝜃,

and it is assumed that the functional

dependence of 𝜇𝑟′ on 𝜃 is known; hence we

write the rth raw moment of the random variable

X as 𝜇𝑟′ (𝜃). Given a random sample of size 𝑛,

𝑥 = (𝑥1, 𝑥2, ⋯ , 𝑥𝑛) , the rth sample moment

is:

𝜃 is obtained by the method of

moments, that is the simultaneous solutions of

the equations:

𝜇𝑟′ (𝜃) = �̂�𝑟

′ , for 𝑟 = 1,2,⋯ , 𝑘

We have, therefore, k equations with k

unknown parameters 𝜃1, 𝜃2,⋯ , 𝜃𝑘. We assume

that there exists a solution of the above system

of equations. However, there is a possibility of

the existence of more than one solution, hence,

the resulting estimators using the method of

moments may not be uniqe.

�̂�𝑟′ =

1

𝑛 𝑥𝑖

𝑟

𝑛

𝑖=1

86


Maximum Likelihood Estimation (MLE)

Misalkan sampel acak 𝑥 = (𝑥1, 𝑥2, ⋯ , 𝑥𝑛)

berasal dari populasi yang mengikuti suatu

distribusi peluang tertentu. Maka fungsi

likelihood dari sampel acak tersebut adalah

sebagai berikut:

Penaksir maksimum likelihood adalah

nilai �̂� yang memaksimumkan fungsi likelihood

tersebut. Untuk mencari nilai �̂� yang

memaksimumkan fungsi likelihood dapat

dilakukan dengan cara memaksimumkan fungsi:

Fungsi di atas dikenal dengan nama fungsi

loglikelihood

UJI KECOCOKAN MODEL

Untuk menganalisis data besar klaim,

diasumsikan bahwa data besar klaim berasal

dari suatu populasi yang mengikuti suatu

distribusi peluang tertentu. Kita akan

memvalidasi distribusi yang diasumsikan benar

dengan uji hipotesis sebagai berikut:

𝐻0: Data berasal dari suatu populasi

dengan fungsi distribusi 𝐹∗.

𝐻1: Data tidak berasal dari suatu

populasi dengan fungsi distribusi 𝐹∗.

Maximum Likelihood Estimation (MLE)

Let 𝑥 = (𝑥1, 𝑥2, ⋯ , 𝑥𝑛) be a random sample

from a population which follow a certain

probability distribution. The likelihood function of

the random sample is:

The Maximum Likelihood Estimator is

�̂� that maximizes the Likelihood function. To find

the value of �̂� that maximizes the likelihood

function, maximize the function:

The function above is known as the

Loglikelihood Function.

MODEL GOODNESS OF FIT

To analyze the claims severity data, it is

assumed that the data came from a population

which follow a certain probability distribution. We

will validate the assumed probability distribution

through a hypothesis testing procedure as

follows:

𝐻0: The data came from a population

with a distribution function F*.

𝐻1: The data does not come from a

population with a distribution function F*.

𝐿(𝜽) = 𝑓 𝑥𝑗 ; 𝜽

𝑛

𝑗=1

𝑙(𝜽) = ln[𝐿(𝜽)] = 𝑙𝑛 𝑓 𝑥𝑗 ; 𝜽

𝑛

𝑗=1

= 𝑙𝑛𝑓 𝑥𝑗 ; 𝜽

𝑛

𝑗=1

87


Uji kecocokan model tersebut

melibatkan distribusi kumulatif 𝐹∗ dari distribusi

yang diasumsikan pada 𝐻0 dengan fungsi

distribusi empiris �̂�.

Fungsi Distribusi Empiris

Fungsi peluang empiris menetapkan

peluang sebesar 1

𝑛 untuk setiap observasi,

dengan 𝑛 adalah ukuran sampel. Maka fungsi

distribusi empiris didefinisikan sebagai berikut:

Dua statistik uji yang dapat digunakan untuk

menguji hipotesis atas distribusi peluang

populasi dijelaskan di bawah.

Kolmogorov-Smirnov

Uji Kolmogorov Smirnov hanya bisa

digunakan untuk data individu. Misalkan

𝑥(𝑖), 𝑖 = 1,2,3, … , 𝑛 adalah statistik terurut

dari sampel acak, maka statistik ujinya adalah:

dengan 𝑥(1) dan 𝑥(𝑛) adalah minimum dan

maksimum dari observasi. �̂�(𝑥) adalah fungsi

distribusi empiris dari data sedangkan 𝐹∗(𝑥)

adalah fungsi distribusi dari distribusi peluang

yang dianggap cocok untuk memodelkan data

(yang di asumsikan pada 𝐻0). Dalam Klugman,

The goodness of fit test uses both the

cumulative distribution F* of the assumed

distribution in H0 and the empirical distribution

function �̂�.

Empirical Distribution Function

The Empirical distribution defines the

probability of 1

𝑛 for each observation in the

sample, where 𝑛 is the sample size. Therefore

the empirical distribution function is defined as

follows:

Two test statistics which may be used to

carry out the hypothesis testing on the

probability distribution of the population are

explained below.

Kolmogorov-Smirnov

The Kolmogorov Smirnov test may be

used only for individual data. Suppose 𝑥(𝑖), 𝑖 =

1,2,3, … , 𝑛 are the order statistics of a random

sample of size 𝑛 then the test statistics is:

where 𝑥(1) and 𝑥(𝑛) are the minimum and

maximum of the observations in the sample.

�̂�(𝑥) is the empirical distribution function of the

data while 𝐹∗(𝑥) is the distribution function of

the probability function considered suitable to

model the data (assumed in H0). In Klugman, et

�̂�(𝑥) =banyaknya observasi ≤ 𝑥

𝑛

�̂�(𝑥) = the number of observations with values≤ 𝑥

𝑛)

𝐷 = max𝑖∈ 1,⋯,𝑛

𝑚𝑎𝑥 �̂� 𝑥(𝑖−1) − 𝐹∗ 𝑥(𝑖) , �̂� 𝑥(𝑖) − 𝐹∗ 𝑥(𝑖)

88


et al (2004), halaman 331, titik-titik kritis statistik

uji ini adalah sebagai berikut:

Jika diberikan suatu tingkat signifikan 𝛼 tertentu,

maka 𝐻0 ditolak apabila nilai statistik uji

observasi 𝐷 lebih besar dari titik kritis yang

terdapat pada tabel di atas.

Anderson-Darling

Sama seperti uji Kolmogorov-Smirnov, uji

Anderson-Darling hanya cocok untuk data

individu. Untuk statistik ujinya, perhatikan

formula di bawah ini:

Dengan 𝐹∗(𝑥) adalah fungsi distribusi dari

distribusi peluang yang dianggap cocok untuk

memodelkan data (yang diasumsikan pada 𝐻0).

Dalam Klugman, et al (2004), halaman 333, titik-

titik kritis statistik uji ini adalah sebagai berikut:

Jika diberikan suatu tingkat signifikansi 𝛼

tertentu, maka 𝐻0 ditolak apabila nilai statistika

uji observasi 𝐴2 lebih besar dari titik kritis yang

terdapat pada tabel di atas.

al (2004), page 331, the critical points for the

test statistics are as follows:

Given a significance level 𝛼, 𝐻0 is rejected if

the observed test statistics D is greater than the

corresponding critical point given in the table

above.

Anderson-Darling

Similar to Kolmogorov-Smirnov test, the

Anderson-Darling test is only suitable for

individual data. Test statistics formula can be

find below:

𝐹∗(𝑥) is distribution function of the probability

function considered suitable to model the data

(assumed in H0). In Klugman, et al (2004), pages

333, the critical points for the test statistics are

as follows:

Given a level of significance 𝛼, then 𝐻0 is

rejected if the observed test statistics A2 is

greater than the corresponding critical point

given in the table above.

Tingkat Signifikansi α 𝟎,𝟏𝟎 𝟎, 𝟎𝟓 𝟎, 𝟎𝟏

Titik kritis 1,22

𝑛

1,36

𝑛

1,63

𝑛

α Significance Level 𝟎.𝟏𝟎 𝟎. 𝟎𝟓 𝟎. 𝟎𝟏

Critical points 1.22

𝑛

1.36

𝑛

1.63

𝑛

𝐴2 = −1

𝑛 (2𝑗 − 1) log 𝐹∗ 𝑥(𝑗 ) + log 1 − 𝐹∗ 𝑥(𝑛+1−𝑗)

𝑛

𝑗=1

− 𝑛

Tingkat Signifikansi α 𝟎,𝟏𝟎 𝟎, 𝟎𝟓 𝟎, 𝟎𝟏 Titik Kritis 1,933 2,492 3,857

(E

α Significance Level 𝟎.𝟏𝟎 𝟎. 𝟎𝟓 𝟎. 𝟎𝟏 Critical points 1.933 2.492 3.857

89


Pemilihan Model

Jika terdapat beberapa model peluang yang

dianggap cocok maka pemilihan model peluang

yang digunakan untuk memodelkan data

dilakukan berdasarkan nilai Akaike’s Information

Criterion (AIC). AIC adalah suatu kriteria yang

menyeimbangkan goodness of fit model

berdasarkan nilai likelihood dari model dengan

banyaknya parameter dari model. Nilai AIC

dapat diperoleh melalui fungsi:

log 𝐿 𝜃; 𝑥 adalah log-likelihood yang telah

dihitung menggunakan 𝜃 yang diperoleh dari

metode MLE dan 𝑝 adalah banyak parameter

pada model. Berdasarkan fungsi di atas, model

yang dipilih adalah yang memiliki AIC terbesar.

Contoh

Data

Data yang akan dianalisis adalah data klaim

yang sudah dibayarkan (paid claims) as at

Desember 2014 pada suatu perusahaan

asuransi XYZ. Sebelum dilakukan analisis data,

data tersebut “dibersihkan” terlebih dahulu, dan

data salvage dipisahkan dari data paid claims.

Statistik Deskriptif

Untuk memodelkan distribusi besar klaim,

model yang digunakan adalah model distribusi

kontinu. Sebelum dilakukan proses pemodelan,

ditampilkan terlebih dahulu statistik deskriptif

Model Selection

If there are more than one probability models

which are plausible to model the data then select

a model using the Akaike’s Information Criterion

(AIC). The AIC is a criteria which takes into

account the model goodness of fit based on the

likelihood of the model and the parsimony

principle which penalize a model with many

parameters. The AIC value is calculated using

the formula:

𝑙𝑜𝑔 𝐿 𝜃; 𝑥 is the log-likelihood which is

calculated using the 𝜃 obtained from the MLE

method and 𝑝 is the number of parameters in

the model.

Example

Data

The data analyzed is paid claims data as at

December 2014 at an insurance company XYZ.

Before carrying out the data analysis, the data is

“cleaned” and then “salvage” is separated from

the paid claims data.

Descriptive Statistics

To model the distribution of the paid claims,

probability models for a continuous random

variable are considered. The descriptive

statistics of the data are calculated as follows:

𝐴𝐼𝐶 = log𝐿 𝜃; 𝑥 − 𝑝

90


dari data paid claim sabagai berikut:

Penaksiran Parameter

Dengan menggunakan metode MLE, diperoleh

taksiran parameter untuk beberapa distribusi

peluang berikut:

Parameters Estimation

Using the MLE method, estimates of the

parameters for some probability distributions are

given in the table below:

STATISTIK DESKRIPTIF

MEAN 71.412.972,83

STDEV 330.513.668,60

CV 4,63

Q1 1.753.154,44

Q2 7.356.306,25

Q3 34.091.416,24

MAX 7.104.533.028,25

MIN 1.089,49

N 2.886,00

DESCRIPTIVE STATISTICS

MEAN 71,412,972.83

STDEV 330,513,668.60

CV 4.63

Q1 1,753,154.44

Q2 7,356,306.25

Q3 34,091,416.24

MAX 7,104,533,028.25

MIN 1,089.49

N 2,886.00

DISTRIBUSI LOGLIKELIHOOD PARAMETER-1 PARAMETER -2

Gamma −52.720 𝛼 = 0,31 𝜃 = 233.490.000

Inverse Gaussian −53.698 𝜇 = 71.413.000 𝜃 = 506.130

Loglogistic −52.038 𝛾 = 0, 81 𝜃 = 7.453.700

Lognormal −52.023 𝜇 = 15,84 𝜎 = 2,16

Normal −60.707 𝜇 = 71.413.000 𝜎 = 330.510.000

DISTRIBUTION LOGLIKELIHOOD PARAMETER-1 PARAMETER -2

Gamma −52,720 𝛼 = 0.31 𝜃 = 233,490,000

Inverse Gaussian −53,698 𝜇 = 71,413,000 𝜃 = 506,130

Loglogistic −52,038 𝛾 = 0.81 𝜃 = 7,453,700

Lognormal −52,023 𝜇 = 15.84 𝜎 = 2.16

Normal −60,707 𝜇 = 71,413,000 𝜎 = 330,510,000

91


Uji Kecocokan Model

Dengan menggunakan uji Kolmogorov-Smirnov

& Anderson-Darling, diperoleh nilai statistik uji

observasi untuk masing-masing statistik uji,

sebagai berikut :

Untuk tingkat signifikansi 𝛼 = 0,05,

diperoleh titik kritis 1,36

2886= 0,0253 . Dari tabel

di atas, untuk distribusi lognormal dengan

parameter 𝜇 = 15,84 dan 𝜎 = 2,16,

diperoleh nilai observasi statistik uji

Kolmogorov-Smirnov sebesar 0,0245. Karena

nilai statistik uji observasi lebih kecil dari titik

kritis (walupun dalam contoh ini perbedaannya

tidak terlalu besar), maka hanya distribusi

lognormal, yang lolos uji Kolmogorov-Smirnov.

Dapat dilihat bahwa tidak ada model peluang

pada tabel di atas yang lolos uji Anderson-

Darling.

Goodness of Fit Test

Using the Kolmogorov-Smirnov and Anderson

darling tests, the observed test statistics below

are obtained:

For a significance level of 𝛼 = 0.05,

the critical point is 1.36

2886= 0.0253. From the

table above, for a lognormal probability model

with parameters 𝜇 = 15.84 and 𝜎 = 2.16, the

observed Kolmogorov-Smirnov test statistics

value is 0.0245. Hence, only the lognormal

probability model is not rejected as a plausible

model for the paid claims data based on the

Kolmogorov-Smirnov test. It can be seen that

none of the assumed probability models above

are plausible for the paid claims data.

DISTRIBUSI KOLMOGOROV-

SMIRNOV

ANDERSON-

DARLING

Gamma 0,0886 156,7457

Inverse Gaussian 0,3506 877,6683

Loglogistic 0,0394 4,7080

Lognormal 0,0245 3,0282

Normal 0,4145 𝐼𝑛𝑓

DISTRIBUTION KOLMOGOROV-

SMIRNOV

ANDERSON-

DARLING

Gamma 0.0886 156.7457

Inverse Gaussian 0.3506 877.6683

Loglogistic 0.0394 4.7080

Lognormal 0.0245 3.0282

Normal 0.4145 𝐼𝑛𝑓

92


Pemilihan Model

Dalam melakukan pemilihan model, penulis

menggunakan hasil uji kecocokan model

dengan menggunakan statistik uji Kolmogorov-

Smirnov untuk tingkat signifikansi 𝛼 = 0,05.

Dipilih model distribusi lognormal dengan

parameter 𝜇 = 15,84 dan 𝜎 = 2,16.

Selecting the Model

Based on the Kolmogorov-Smirnov test for a

level of significance of 𝛼 = 0.05 a lognormal

distribution with parameters 𝜇 = 15.84 and

𝜎 = 2.16 is selected.

Referensi /Reference

Klugman, S. A., Panjer, H. H., Willmot, G. E. (2005), Loss Models From Data to Decision, New Jersey: John

Willey and Son Inc.

Tse, Y. (2009), Nonlife Actuarial Models Theory, Methods and Evaluation, Cambridge: Cambridge University.

93


GLOSSARIES

1. OCCUPATION :

A - AGRICULTURAL

C - COMMERCIAL

I - INDUSTRIAL

R - RESIDENTIAL

2. ZONES (BASED ON CRESTA-Catastrophe Risk Evaluating and Standardizing Target

Accumulations) :

1.1 - Banda Aceh

1.2 - Medan

1.3 - Others

1 - North Sumatera

2.1 - Padang

2.2 - Palembang

2.3 - Others

2 - South Sumatera

3.1 - DKI Jakarta

3.2 - Bandung

3.3 - Others

3 - DKI & West java

4.1 - Semarang

4.2 - Yogyakarta

Lampiran 1 / Attachment 1

94


4.3 - Others

4 - DIY & Central Java

5.1 - Surabaya

5.2 - Others

5 - East Java

6 - Kalimantan

7.1 - Ujung Pandang

7.2 - Others

7 - Sulawesi

8 - Other Islands

3. f : Frequencies

F : Accumulations of frequencies

Cum : Cumulative (increasing in amount by one addition after another)

4. Incurred Claim

Outstanding Claims (100%) plus paid/settled claims (100%)

5. Sum Insured The Sum Insured represents 100% Sum Insured

6. Gross Premium Gross Premium represent 100% premium

7. Loss Ratio The percentage ratio of Incurred claims to Gross Premium

95


(sumber:Lampiran IV Surat Edaran OJK Nomor: SE-06/D.05/2013, tanggal 31 Desember 2013)

DEFINISI

COMMERCIAL AND INDUSTRIAL : Obyek selain okupasi dwelling house (kode okupasi selain

2976)

Steel Frame : struktur bangunan yang menggunakan Baja sebagai

rangkanya

Wood : struktur bangunan yang menggunakan kayu sebagai

rangkanya

Reinforced Concrete : struktur bangunan yang menggunakan beton bertulang

sebagai rangkanya

Zona I Zona II Zona III Zona IV Zona V

< 9 Storeys 0,90 0,95 1,25 1,50 1,90

> 9 Storeys 1,35 1,45 1,55 1,60 2,00

1,00 1,10 1,55 3,00 4,70

Zona I Zona II Zona III Zona IV Zona V

0,85 0,95 1,15 1,35 1,60

0,90 1,00 1,55 2,75 4,50

Zona mengacu pada tabel Zona

Aturan Tambahan

1.

2.

Dwelling House - Occupation Code 2976

Others

Steel, Wood and RC Frame

Kelas Konstruksi

sejenisnya, tingginya tower (dihitung dari permukaan tanah) dianggap sebagai ukuran jumlah lantai, dengan menggunakan

dasar perhitungan tinggi 1 (satu) lantai adalah +/- 4 meter.

Untuk gedung bertingkat yang mempunyai bangunan di bawah tanah yang lazim disebut "Basement " atau "Semi

Dengan demikian, semua lantai dihitung, baik lantai yang ada di atas tanah maupun yang dibawah tanah.

Untuk Tower antena yang lazim digunakan sebagai pemancar radio, jaringan listrik, jaringan telepon genggam dan

Basement" atau dengan nama apapun, lantai bawah tanah tersebut juga diperhitungkan dalam menentukan jumlah lantai.

Steel, Wood and RC Frame

TARIF PREMI ASURANSI GEMPA BUMI

Tarif Premi Untuk Kerusakan Fisik dan Gangguan Usaha Dengan Harga Pertanggungan Nilai Penuh (Full Value Basis )

Dengan Indeminty Period 12 Bulan.

Tarif Premi per mil (‰ )

Tarif Premi per mil (‰ )

Commercial and Industrial (Non Dwelling House)

Others

Kelas Konstruksi


96


Others (Incl. No Frame) : struktur bangunan selain konstruksi baja, beton bertulang

atau rangka kayu; termasuk bangunan yang terbuat dari

susunan batu tanpa rangka

DWELLING HOUSE : Obyek dengan kode okupasi 2976

Steel, Wood or RC Frame : struktur bangunan rumah tinggal dengan konstruksi baja,

beton bertulang atau rangka kayu

Others : struktur bangunan rumah tinggal selain konstruksi baja,

beton bertulang atau rangka kayu termasuk bangunan

rumah tinggal yang terbuat dari susunan batu tanpa

rangka.

97




98


TARIF SUKU PREMI KURANG

DARI 12 BULAN

JANGKA WAKTU PROSENTASI

TARIP TAHUNAN

3 hari 5%

10 hari 10%

1 bulan 20%

1.5 bulan 25%

2 bulan 30%

3 bulan 40%

4 bulan 50%

5 bulan 60%

6 bulan 70%

7 bulan 75%

8 bulan 80%

9 bulan 85%

10 bulan 90%

11 bulan 95%

lebih dari 11 bulan dihitung tarip suku premi penuh


99


Indemnity

Period

1 bulan 20% x 100% tarif premi









21 bulan 91.5% x 100% tarif premi





SKALA TARIF PREMI GANGGUAN USAHA (BUSINESS INTERRUPTION)

Tarif Premi untuk jaminan gangguan usaha (Business Interruption)

berlaku skala sebagai berikut :

Untuk Indemnity Period lebih dari 48 bulan

penetapan prosentase dari tarif premi

diserahkan kepada underwriter Perusahaan

Asuransi Umum

Prosentase (%) dari Tarif

Premi



100


Provinsi Kota/ Kabupaten Cresta Zona

KAB. SIMEULUE 1.3 5

KAB. ACEH SINGKIL 1.3 5

KAB. ACEH SELATAN 1.3 5

KAB. ACEH TENGGARA 1.3 5

KAB. ACEH TIMUR 1.3 4

KAB. ACEH TENGAH 1.3 4

KAB. ACEH BARAT 1.3 5

KAB. ACEH BESAR 1.3 5

KAB. PIDIE 1.3 5

KAB. BIREUEN 1.3 4

KAB. ACEH UTARA 1.3 3

KAB. ACEH BARAT DAYA 1.3 5

KAB. GAYO LUES 1.3 5

KAB. ACEH TAMIANG 1.3 4

KAB. NAGANRAYA 1.3 5

KAB. ACEH JAYA 1.3 5

KAB. BENER MERIAH 1.3 4

KAB. PIDIE JAYA 1.3 5

KOTA BANDA ACEH 1.1 5

KOTA SABANG 1.3 5

KOTA LANGSA 1.3 4

KOTA LHOKSEUMAWE 1.3 3

KOTA SUBULUSSALAM 1.3 5

KAB. NIAS 1.3 5

KAB. MANDAILING NATAL 1.3 4

KAB. TAPANULI SELATAN 1.3 4

KAB. TAPANULI TENGAH 1.3 5

KAB. TAPANULI UTARA 1.3 5

KAB. TOBA SAMOSIR 1.3 4

KAB. LABUHAN BATU 1.3 3

KAB. ASAHAN 1.3 3

KAB. SIMALUNGUN 1.3 4

KAB. DAIRI 1.3 4

KAB. KARO 1.3 4

KAB. DELI SERDANG 1.3 3

KAB. LANGKAT 1.3 3

KAB. NIAS SELATAN 1.3 5

KAB. HUMBANG HASUNDUTAN 1.3 5

KAB. PAKPAK BHARAT 1.3 4

KAB. SAMOSIR 1.3 4

KAB. SERDANG BEDAGAI 1.3 3

KAB. PADANG LAWAS 1.3 4

KAB. BATUBARA 1.3 3

KAB. ANGKOLA SIPIROK 1.3 4

KOTA SIBOLGA 1.3 5

KOTA TANJUNG BALAI 1.3 3

KOTA PEMATANG SIANTAR 1.3 4

KOTA TEBING TINGGI 1.3 3

KOTA MEDAN 1.2 3

KOTA BINJAI 1.3 3

KOTA PADANG SIDEMPUAN 1.3 4

CRESTA ZONE dan Zona

Nanggroe Aceh Darussalam

Sumatra Utara


101



KAB. KEPULAUAN MENTAWAI 2.3 5

KAB. PESISIR SELATAN 2.3 5

KAB. SOLOK 2.3 5

KAB. SAWAHLUNTO SIJUNJUNG 2.3 4

KAB. TANAH DATAR 2.3 4

KAB. PADANG PARIAMAN 2.3 5

KAB. AGAM 2.3 5

KAB. LIMA PULUH KOTA 2.3 4

KAB. PASAMAN 2.3 3

KAB. SOLOK SELATAN 2.3 5

KAB. DHARMASRAYA 2.3 3

KAB. PASAMAN BARAT 2.3 4

KOTA PADANG 2.1 5

KOTA SOLOK 2.3 5

KOTA SAWAHLUNTO 2.3 4

KOTA PADANGPANJANG 2.3 5

KOTA BUKITTINGGI 2.3 5

KOTA PAYAKUMBUH 2.3 4

KOTA PARIAMAN 2.3 5

KAB. KUANTAN SINGINGI 2.3 3

KAB. INDRAGIRI HULU 2.3 2

KAB. INDRAGIRI HILIR 2.3 2

KAB. PELALAWAN 2.3 2

KAB. SIAK 2.3 2

KAB. KAMPAR 2.3 3

KAB. ROKAN HULU 2.3 3

KAB. BENGKALIS 2.3 2

KAB. ROKAN HILIR 2.3 2

KOTA PEKANBARU 2.3 3

KOTA DUMAI 2.3 2

KAB. KERINCI 2.3 5

KAB. MERANGIN 2.3 4

KAB. SAROLANGUN 2.3 3

KAB. BATANGHARI 2.3 2

KAB. MUARO JAMBI 2.3 2

KAB. TANJUNG JABUNG TIMUR 2.3 2

KAB. TANJUNG JABUNG BARAT 2.3 2

KAB. TEBO 2.3 3

KAB. BUNGO 2.3 3

KOTA JAMBI 2.3 2

KAB. OGAN KOMERING ULU 2.3 3

KAB. OGAN KOMERING ILIR 2.3 2

KAB. MUARAENIM 2.3 3

KAB. LAHAT 2.3 3

KAB. MUSI RAWAS 2.3 4

KAB. MUSI BANYUASIN 2.3 3

KAB. BANYUASIN 2.3 3

KAB. OGAN KOMERING ULU SE 2.3 4

KAB. OGAN KOMERING ULU TI 2.3 3

KAB. OGAN ILIR 2.3 2

KAB. EMPAT LAWANG 2.3 4

KOTA PALEMBANG 2.2 2

KOTA PRABUMULIH 2.3 3

KOTA PAGARALAM 2.3 4

KOTA LUBUKLINGGAU 2.3 4

Jambi

Sumatra Selatan

Sumatra Barat

Riau

102



KAB. BENGKULU SELATAN 2.3 5

KAB. REJANG LEBONG 2.3 5

KAB. BENGKULU UTARA 2.3 5

KAB. KAUR 2.3 5

KAB. SELUMA 2.3 5

KAB. MUKOMUKO 2.3 5

KAB. LEBONG 2.3 5

KAB. KEPAHIANG 2.3 5

KOTA BENGKULU 2.3 5

KAB. LAMPUNG BARAT 2.3 5

KAB. TANGGAMUS 2.3 5

KAB. LAMPUNG SELATAN 2.3 4

KAB. LAMPUNG TIMUR 2.3 3

KAB. LAMPUNG TENGAH 2.3 3

KAB. LAMPUNG UTARA 2.3 3

KAB. WAY KANAN 2.3 3

KAB. TULANG BAWANG 2.3 3

KAB. PESAWARAN 2.3 4

KOTA BANDAR LAMPUNG 2.3 4

KOTA METRO 2.3 3

KAB. BANGKA 2.3 1

KAB. BELITUNG 2.3 1

KAB. BANGKA BARAT 2.3 1

KAB. BANGKA TENGAH 2.3 1

KAB. BANGKA SELATAN 2.3 2

KAB. BELITUNG TIMUR 2.3 1

KOTA PANGKAL PINANG 2.3 1

KAB. KARIMUN 2.3 1

KAB. BINTAN 2.3 1

KAB. NATUNA 2.3 1

KAB. LINGGA 2.3 1

KOTA BATAM 2.3 1

KOTA TANJUNG PINANG 2.3 1

KAB. PANDEGLANG 3.3 5

KAB. LEBAK 3.3 4

KAB. TANGERANG 3.3 4

KAB. SERANG 3.3 4

KOTA TANGERANG 3.3 4

KOTA CILEGON 3.3 4

KOTA SERANG 3.3 4

KAB. KEPULAUAN SERIBU 3.1 3

KOTA JAKARTA SELATAN 3.1 4

KOTA JAKARTA TIMUR 3.1 4

KOTA JAKARTA PUSAT 3.1 4

KOTA JAKARTA BARAT 3.1 4

KOTA JAKARTA UTARA 3.1 4

Bengkulu

Lampung

Kepulauan Bangka Belitung

Kepulauan Riau

Banten

Daerah Khusus Ibukota Jakarta

103



KAB. BOGOR 3.3 4

KAB. SUKABUMI 3.3 4

KAB. CIANJUR 3.3 4

KAB. BANDUNG 3.3 4

KAB. GARUT 3.3 4

KAB. TASIKMALAYA 3.3 4

KAB. CIAMIS 3.3 4

KAB. KUNINGAN 3.3 4

KAB. CIREBON 3.3 3

KAB. MAJALENGKA 3.3 4

KAB. SUMEDANG 3.3 3

KAB. INDRAMAYU 3.3 3

KAB. SUBANG 3.3 4

KAB. PURWAKARTA 3.3 4

KAB. KARAWANG 3.3 f

KAB. BEKASI 3.3 4

KAB. BANDUNG BARAT 3.3 4

KOTA BOGOR 3.3 4

KOTA SUKABUMI 3.3 4

KOTA BANDUNG 3.2 4

KOTA CIREBON 3.3 3

KOTA BEKASI 3.3 4

KOTA DEPOK 3.3 4

KOTA CIMAHI 3.3 4

KOTA TASIKMALAYA 3.3 4

KOTA BANJAR 3.3 4

KAB. CILACAP 4.3 4

KAB. BANYUMAS 4.3 3

KAB. PURBALINGGA 4.3 3

KAB. BANJARNEGARA 4.3 4

KAB. KEBUMEN 4.3 4

KAB. PURWOREJO 4.3 4

KAB. WONOSOBO 4.3 4

KAB. MAGELANG 4.3 4

KAB. BOYOLALI 4.3 3

KAB. KLATEN 4.3 4

KAB. SUKOHARJO 4.3 4

KAB. WONOGIRI 4.3 4

KAB. KARANGANYAR 4.3 3

KAB. SRAGEN 4.3 3

KAB. GROBOGAN 4.3 3

KAB. BLORA 4.3 3

KAB. REMBANG 4.3 3

KAB. PATI 4.3 3

KAB. KUDUS 4.3 3

KAB. JEPARA 4.3 3

KAB. DEMAK 4.3 3

KAB. SEMARANG 4.3 3

KAB. TEMANGGUNG 4.3 3

KAB. KENDAL 4.3 3

KAB. BATANG 4.3 3

Jawa Tengah

Jawa Barat

104


Provinsi Kota/ Kabupaten Cresta ZonaJawa Tengah KAB. PEKALONGAN 4.3 3

KAB. PEMALANG 4.3 3

KAB. TEGAL 4.3 4

KAB. BREBES 4.3 3

KOTA MAGELANG 4.3 3

KOTA SURAKARTA 4.3 3

KOTA SALATIGA 4.3 3

KOTA SEMARANG 4.1 3

KOTA PEKALONGAN 4.3 3

KOTA TEGAL 4.3 3

KAB. KULON PROGO 4.3 4

KAB. BANTUL 4.3 4

KAB. GUNUNG KIDUL 4.3 4

KAB. SLEMAN 4.3 4

KOTA YOGYAKARTA 4.2 4

KAB. PACITAN 5.2 4

KAB. PONOROGO 5.2 4

KAB. TRENGGALEK 5.2 4

KAB. TULUNGAGUNG 5.2 4

KAB. BLITAR 5.2 4

KAB. KEDIRI 5.2 4

KAB. MALANG 5.2 4

KAB. LUMAJANG 5.2 4

KAB. JEMBER 5.2 3

KAB. BANYUWANGI 5.2 4

KAB. BONDOWOSO 5.2 3

KAB. SITUBONDO 5.2 3

KAB. PROBOLINGGO 5.2 3

KAB. PASURUAN 5.2 3

KAB. SIDOARJO 5.2 3

KAB. MOJOKERTO 5.2 3

KAB. JOMBANG 5.2 3

KAB. NGANJUK 5.2 3

KAB. MADIUN 5.2 3

KAB. MAGETAN 5.2 3

KAB. NGAWI 5.2 3

KAB. BOJONEGORO 5.2 3

KAB. TUBAN 5.2 3

KAB. LAMONGAN 5.2 3

KAB. GRESIK 5.2 3

KAB. BANGKALAN 5.2 3

KAB. SAMPANG 5.2 3

KAB. PAMEKASAN 5.2 3

KAB. SUMENEP 5.2 3

KOTA KEDIRI 5.2 4

KOTA BLITAR 5.2 4

KOTA MALANG 5.2 4

KOTA PROBOLINGGO 5.2 3

KOTA PASURUAN 5.2 3

KOTA MOJOKERTO 5.2 3

KOTA MADIUN 5.2 3

KOTA SURABAYA 5.1 3

KOTA BATU 5.2 4

Daerah Istimewa Yogyakarta

Jawa Timur

105



KAB. JEMBRANA 8 4

KAB. TABANAN 8 4

KAB. BADUNG 8 4

KAB. GIANYAR 8 4

KAB. KLUNGKUNG 8 4

KAB. BANGLI 8 4

KAB. KARANGASEM 8 5

KAB. BULELENG 8 4

KOTA DENPASAR 8 4

KAB. LOMBOK BARAT 8 5

KAB. LOMBOK TENGAH 8 4

KAB. LOMBOK TIMUR 8 4

KAB. SUMBAWA 8 4

KAB. DOMPU 8 5

KAB. BIMA 8 4

KAB. SUMBAWA BARAT 8 4

KOTA MATARAM 8 5

KOTA BIMA 8 4

KAB. SUMBA BARAT 8 5

KAB. SUMBA TIMUR 8 4

KAB. KUPANG 8 4

KAB. TIMOR TENGAH SELATAN 8 5

KAB. TIMOR TENGAH UTARA 8 5

KAB. BELU 8 5

KAB. ALOR 8 5

KAB. LEMBATA 8 5

KAB. FLORES TIMUR 8 4

KAB. SIKKA 8 4

KAB. ENDE 8 4

KAB. NGADA 8 4

KAB. MANGGARAI 8 4

KAB. ROTE NDAO 8 4

KAB. MANGGARAI BARAT 8 4

KAB. MANGGARAI TIMUR 8 4

KAB. NAGEKEO 8 5

KAB. SUMBA BARAT DAYA 8 5

KAB. SUMBA TENGAH 8 5

KOTA KUPANG 8 4

KAB. SAMBAS 6 1

KAB. BENGKAYANG 6 1

KAB. LANDAK 6 1

KAB. PONTIANAK 6 1

KAB. SANGGAU 6 1

KAB. KETAPANG 6 1

KAB. SINTANG 6 1

KAB. KAPUAS HULU 6 1

KAB. SEKADAU 6 1

KAB. MELAWI 6 1

KAB. KAYONG UTARA 6 1

KAB. KUBU RAYA 6 1

KOTA PONTIANAK 6 1

KOTA SINGKAWANG 6 1

Kalimantan Barat

Bali

Nusa Tenggara Barat

Nusa Tenggara Timur

106



KAB. KOTAWARINGIN BARAT 6 1

KAB. KOTAWARINGIN TIMUR 6 1

KAB. KAPUAS 6 1

KAB. BARITO SELATAN 6 1

KAB. BARITO UTARA 6 1

KAB. SUKAMARA 6 1

KAB. LAMANDAU 6 1

KAB. SERUYAN 6 1

KAB. KATINGAN 6 1

KAB. PULANG PISAU 6 1

KAB. GUNUNG MAS 6 1

KAB. BARITO TIMUR 6 1

KAB. MURUNG RAYA 6 1

KOTA PALANGKARAYA 6 1

KAB. TANAH LAUT 6 1

KAB. KOTABARU 6 1

KAB. BANJAR 6 1

KAB. BARITO KUALA 6 1

KAB. TAPIN 6 1

KAB. HULU SUNGAI SELATAN 6 1

KAB. HULU SUNGAI TENGAH 6 1

KAB. HULU SUNGAI UTARA 6 1

KAB. TABALONG 6 1

KAB. TANAH BUMBU 6 1

KAB. BALANGAN 6 1

KOTA BANJARMASIN 6 1

KOTA BANJARBARU 6 1

KAB. PASIR 6 1

KAB. KUTAI BARAT 6 1

KAB. KUTAI KARTANEGARA 6 1

KAB. KUTAI TIMUR 6 2

KAB. BERAU 6 3

KAB. MALINAU 6 2

KAB. BULUNGAN 6 3

KAB. NUNUKAN 6 2

KAB. PENAJAM PASER UTARA 6 1

KAB. TANA TIDUNG 6 2

KOTA BALIKPAPAN 6 1

KOTA SAMARINDA 6 1

KOTA TARAKAN 6 2

KOTA BONTANG 6 2

KAB. BOLAANG MONGONDOW 7.2 5

KAB. MINAHASA 7.2 5

KAB. KEPULAUAN SANGIHE 7.2 5

KAB. KEPULAUAN TALAUD 7.2 5

KAB. MINAHASA SELATAN 7.2 5

KAB. MINAHASA UTARA 7.2 5

KAB. BOLAANG MONGONDOW UT 7.2 5

KAB. KEPULAUAN SITARO 7.2 5

KAB. MINAHASA TENGGARA 7.2 5

KOTA MANADO 7.2 5

KOTA BITUNG 7.2 5

KOTA TOMOHON 7.2 5

KOTA KOTAMOBAGU 7.2 5

Kalimantan Tengah

Kalimantan Selatan

Kalimantan Timur

Sulawesi Utara

107



KAB. BANGGAI KEPULAUAN 7.2 4

KAB. BANGGAI 7.2 5

KAB. MOROWALI 7.2 3

KAB. POSO 7.2 4

KAB. DONGGALA 7.2 4

KAB. TOLI-TOLI 7.2 5

KAB. BUOL 7.2 5

KAB. PARIGI MOUTONG 7.2 5

KAB. TOJO UNA-UNA 7.2 4

KOTA PALU 7.2 4

KAB. SELAYAR 7.2 2

KAB. BULUKUMBA 7.2 2

KAB. BANTAENG 7.2 2

KAB. JENEPONTO 7.2 2

KAB. TAKALAR 7.2 2

KAB. GOWA 7.2 2

KAB. SINJAI 7.2 2

KAB. MAROS 7.2 2

KAB. PANGKAJENE KEPULAUAN 7.2 2

KAB. BARRU 7.2 3

KAB. BONE 7.2 2

KAB. SOPPENG 7.2 3

KAB. WAJO 7.2 3

KAB. SIDENRENG RAPPANG 7.2 3

KAB. PINRANG 7.2 3

KAB. ENREKANG 7.2 3

KAB. LUWU 7.2 3

KAB. TANAH TORAJA 7.2 4

KAB. LUWU UTARA 7.2 3

KAB. LUWU TIMUR 7.2 3

KOTA MAKASSAR 7.1 2

KOTA PARE-PARE 7.2 3

KOTA PALOPO 7.2 3

KAB. BUTON 7.2 3

KAB. MUNA 7.2 3

KAB. KONAWE 7.2 3

KAB. KOLAKA 7.2 3

KAB. KONAWE SELATAN 7.2 3

KAB. BOMBANA 7.2 3

KAB. WAKATOBI 7.2 3

KAB. KOLAKA UTARA 7.2 3

KAB. BUTON UTARA 7.2 4

KAB. KONAWE UTARA 7.2 3

KOTA KENDARI 7.2 4

KOTA BAU-BAU 7.2 3

KAB. BOALEMO 7.2 5

KAB. GORONTALO 7.2 5

KAB. POHUWATO 7.2 5

KAB. BONE BOLANGO 7.2 5

KAB. GORONTALO UTARA 7.2 5

KOTA GORONTALO 7.2 5

Sulawesi Tengah

Sulawesi Selatan

Sulawesi Tenggara

Gorontalo

108



KAB. MAJENE 7.2 4

KAB. MAMASA 7.2 4

KAB. MAMUJU 7.2 4

KAB. MAMUJU UTARA 7.2 3

KAB. POLEWALI MANDAR 7.2 4

KAB. MALUKU TENGGARA BARAT 8 5

KAB. MALUKU TENGGARA 8 4

KAB. MALUKU TENGAH 8 4

KAB. BURU 8 5

KAB. KEPULAUAN ARU 8 5

KAB. SERAM BAGIAN BARAT 8 4

KAB. SERAM BAGIAN TIMUR 8 5

KOTA AMBON 8 5

KOTA TUAL 8 4

KAB. HALMAHERA BARAT 8 5

KAB. HALMAHERA TENGAH 8 4

KAB. KEPULAUAN SULA 8 5

KAB. HALMAHERA SELATAN 8 5

KAB. HALMAHERA UTARA 8 5

KAB. HALMAHERA TIMUR 8 4

KOTA TERNATE 8 5

KOTA TIDORE 8 5

KAB. FAK-FAK 8 3

KAB. KAIMANA 8 3

KAB. TELUK WANDOMA 8 4

KAB. TELUK BINTUNI 8 4

KAB. MANOKWARI 8 5

KAB. SORONG SELATAN 8 3

KAB. SORONG 8 4

KAB. RAJA AMPAT 8 4

KOTA SORONG 8 3

KAB. MERAUKE 8 1

KAB. JAYAWIJAYA 8 5

KAB. JAYAPURA 8 5

KAB. NABIRE 8 5

KAB. YAPEN WAROPEN 8 4

KAB. BIAK NUMFOR 8 4

KAB. PANIAE 8 4

KAB. PUNCAK JAYA 8 3

KAB. MIMIKA 8 3

KAB. BOVEN DIGOEL 8 2

KAB. MAPPI 8 2

KAB. ASMAT 8 2

KAB. YAHUKIMO 8 5

KAB. PEGUNUNGAN BINTANG 8 4

KAB. TOLIKARA 8 5

KAB. SARMI 8 5

KAB. KEEROM 8 5

KAB. WAROPEN 8 4

KAB. SUPIORI 8 4

KOTA JAYAPURA 8 5

Papua

Sulawesi Barat

Maluku

Maluku Utara

Papua Barat

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