statistik asuransi kebakaran indonesia edisi juni 2013

ASURANSI KEBAKARANSTATISTIK

SELAKU ADMINISTRATOR BPPDANPT. REASURANSI INTERNASIONAL INDONESIA

BAGIAN 1 - SECTION 1 : RISK AND LOSS PROFILE 2009 Page1.1 ALL CLASS OF BUSINESS ……………………………………………………………………………………………………………………………….1

1.2 GROUP BY CLASS OF BUSINESSI.2.1 CLASS OF BUSINESS FIRE ………………………………………………………………………………………………………………….2I.2.2 CLASS OF BUSINESS INDUSTRIAL ALL RISK (IAR) ………………………………………………………………………………3I.2.3 CLASS OF BUSINESS LOST OF PROFIT (LOP) ……………………………………………………………………………………….4I.2.4 CLASS OF BUSINESS EARTHQUAKE (EQ) ……………………………………………………………………………………………5

1.3 GROUP BY OCCUPATION CODEI.3.1 OCCUPATION CODE 20 ……………………………………………………………………………………………………………………6I.3.2 OCCUPATION CODE 21 ……………………………………………………………………………………………………………………7I.3.3 OCCUPATION CODE 22 ……………………………………………………………………………………………………………………8I.3.4 OCCUPATION CODE 23 ……………………………………………………………………………………………………………………9I.3.5 OCCUPATION CODE 24 ……………………………………………………………………………………………………………………10I.3.6 OCCUPATION CODE 25 ……………………………………………………………………………………………………………………11I.3.7 OCCUPATION CODE 26 ……………………………………………………………………………………………………………………12I.3.8 OCCUPATION CODE 27 ……………………………………………………………………………………………………………………13I.3.9 OCCUPATION CODE 28 ……………………………………………………………………………………………………………………14I.3.10 OCCUPATION CODE 29 ……………………………………………………………………………………………………………………15I.3.11 OCCUPATION CODE 30 ……………………………………………………………………………………………………………………16I.3.12 OCCUPATION CODE 31 ……………………………………………………………………………………………………………………17I.3.13 OCCUPATION CODE 32 ……………………………………………………………………………………………………………………18I.3.14 OCCUPATION CODE 40 ……………………………………………………………………………………………………………………19

1.4 GROUP BY PROVINCE I.4.1 PROVINCE NANGGROE ACEH DARUSSALAM …………………………………………………………………………………….20I.4.2 PROVINCE SUMATERA UTARA …………………………………………………………………………………………………………21I.4.3 PROVINCE SUMATERA BARAT …………………………………………………………………………………………………………22I.4.4 PROVINCE RIAU ………………………………………………………………………………………………………………………………23I.4.5 PROVINCE JAMBI ……………………………………………………………………………………………………………………………..24I.4.6 PROVINCE SUMATERA SELATAN ……………………………………………………………………………………………………..25I.4.7 PROVINCE BENGKULU ……………………………………………………………………………………………………………………26I.4.8 PROVINCE LAMPUNG ………………………………………………………………………………………………………………………27I.4.9 PROVINCE DAERAH KHUSUS IBUKOTA JAKARTA …………………………………………………………………………….28I.4.10 PROVINCE JAWA BARAT ………………………………………………………………………………………………………………….29I.4.11 PROVINCE JAWA TENGAH ………………………………………………………………………………………………………………..30I.4.12 PROVINCE DAERAH ISTIMEWA YOGYAKARTA ………………………………………………………………………………….31I.4.13 PROVINCE JAWA TIMUR …………………………………………………………………………………………………………………..32I.4.14 PROVINCE KALIMANTAN BARAT ……………………………………………………………………………………………………..33I.4.15 PROVINCE KALIMANTAN TENGAH …………………………………………………………………………………………………..34I.4.16 PROVINCE KALIMANTAN SELATAN ………………………………………………………………………………………………….35I.4.17 PROVINCE KALIMANTAN TIMUR ……………………………………………………………………………………………………..36I.4.18 PROVINCE SULAWESI UTARA …………………………………………………………………………………………………………..37I.4.19 PROVINCE SULAWESI TENGAH ………………………………………………………………………………………………………..38I.4.20 PROVINCE SULAWESI SELATAN ……………………………………………………………………………………………………….39I.4.21 PROVINCE SULAWESI TENGGARA …………………………………………………………………………………………………….40I.4.22 PROVINCE BALI ……………………………………………………………………………………………………………………………….41I.4.23 PROVINCE NUSA TENGGARA BARAT ………………………………………………………………………………………………..42I.4.24 PROVINCE NUSA TENGGARA TIMUR ……………………………………………………………………………………………….43I.4.25 PROVINCE MALUKU ………………………………………………………………………………………………………………………..44I.4.26 PROVINCE IRIAN JAYA ……………………………………………………………………………………………………………………..45I.4.27 PROVINCE MALUKU UTARA ……………………………………………………………………………………………………………46I.4.28 PROVINCE IRIAN JAYA BARAT ………………………………………………………………………………………………………….47I.4.29 PROVINCE BANTEN ………………………………………………………………………………………………………………………..48I.4.30 PROVINCE BANGKA BELITUNG ……………………………………………………………………………………………………….49I.4.31 PROVINCE GORONTALO ………………………………………………………………………………………………………………….50I.4.32 PROVINCE KEPULAUAN RIAU ………………………………………………………………………………………………………….51

DAFTAR ISI - CONTENTSStatistik Asuransi Kebakaran Indonesia edisi Juni 2013

Badan Pengelola Pusat Data Asuransi Nasional (BPPDAN)


2.2 GROUP BY CLASS OF BUSINESS2.2.1 CLASS OF BUSINESS FIRE ………………………………………………………………………………………………………………….532.2.2 CLASS OF BUSINESS INDUSTRIAL ALL RISK (IAR) ………………………………………………………………………………542.2.3 CLASS OF BUSINESS LOST OF PROFIT (LOP) ……………………………………………………………………………………….552.2.4 CLASS OF BUSINESS EARTHQUAKE (EQ) ……………………………………………………………………………………………56

2.3 GROUP BY OCCUPATION CODE2.3.1 OCCUPATION CODE 20 ……………………………………………………………………………………………………………………572.3.2 OCCUPATION CODE 21 ……………………………………………………………………………………………………………………582.3.3 OCCUPATION CODE 22 ……………………………………………………………………………………………………………………592.3.4 OCCUPATION CODE 23 ……………………………………………………………………………………………………………………602.3.5 OCCUPATION CODE 24 ……………………………………………………………………………………………………………………61I.3.6 OCCUPATION CODE 25 ……………………………………………………………………………………………………………………622.3.7 OCCUPATION CODE 26 ……………………………………………………………………………………………………………………632.3.8 OCCUPATION CODE 27 ……………………………………………………………………………………………………………………642.3.9 OCCUPATION CODE 28 ……………………………………………………………………………………………………………………652.3.10 OCCUPATION CODE 29 ……………………………………………………………………………………………………………………66I.3.11 OCCUPATION CODE 30 ……………………………………………………………………………………………………………………672.3.12 OCCUPATION CODE 31 ……………………………………………………………………………………………………………………682.3.13 OCCUPATION CODE 32 ……………………………………………………………………………………………………………………692.3.14 OCCUPATION CODE 40 ……………………………………………………………………………………………………………………70

2.4 GROUP BY PROVINCE 2.4.1 PROVINCE NANGGROE ACEH DARUSSALAM …………………………………………………………………………………….712.4.2 PROVINCE SUMATERA UTARA …………………………………………………………………………………………………………722.4.3 PROVINCE SUMATERA BARAT …………………………………………………………………………………………………………732.4.4 PROVINCE RIAU ………………………………………………………………………………………………………………………………742.4.5 PROVINCE JAMBI ……………………………………………………………………………………………………………………………..752.4.6 PROVINCE SUMATERA SELATAN ……………………………………………………………………………………………………..762.4.7 PROVINCE BENGKULU ……………………………………………………………………………………………………………………772.4.8 PROVINCE LAMPUNG ………………………………………………………………………………………………………………………782.4.9 PROVINCE DAERAH KHUSUS IBUKOTA JAKARTA …………………………………………………………………………….792.4.10 PROVINCE JAWA BARAT ………………………………………………………………………………………………………………….802.4.11 PROVINCE JAWA TENGAH ………………………………………………………………………………………………………………..812.4.12 PROVINCE DAERAH ISTIMEWA YOGYAKARTA ………………………………………………………………………………….822.4.13 PROVINCE JAWA TIMUR …………………………………………………………………………………………………………………..832.4.14 PROVINCE KALIMANTAN BARAT ……………………………………………………………………………………………………..842.4.15 PROVINCE KALIMANTAN TENGAH …………………………………………………………………………………………………..852.4.16 PROVINCE KALIMANTAN SELATAN ………………………………………………………………………………………………….862.4.17 PROVINCE KALIMANTAN TIMUR ……………………………………………………………………………………………………..872.4.18 PROVINCE SULAWESI UTARA …………………………………………………………………………………………………………..882.4.19 PROVINCE SULAWESI TENGAH ………………………………………………………………………………………………………..892.4.20 PROVINCE SULAWESI SELATAN ……………………………………………………………………………………………………….902.4.21 PROVINCE SULAWESI TENGGARA …………………………………………………………………………………………………….912.4.22 PROVINCE BALI ……………………………………………………………………………………………………………………………….922.4.23 PROVINCE NUSA TENGGARA BARAT ………………………………………………………………………………………………..932.4.24 PROVINCE NUSA TENGGARA TIMUR ……………………………………………………………………………………………….942.4.25 PROVINCE MALUKU ………………………………………………………………………………………………………………………..952.4.26 PROVINCE IRIAN JAYA ……………………………………………………………………………………………………………………..962.4.27 PROVINCE MALUKU UTARA ……………………………………………………………………………………………………………972.4.28 PROVINCE IRIAN JAYA BARAT ………………………………………………………………………………………………………….982.4.29 PROVINCE BANTEN ………………………………………………………………………………………………………………………..992.4.30 PROVINCE BANGKA BELITUNG ……………………………………………………………………………………………………….1002.4.31 PROVINCE GORONTALO ………………………………………………………………………………………………………………….1012.4.32 PROVINCE KEPULAUAN RIAU ………………………………………………………………………………………………………….102




3.3 GROUP BY OCCUPATION CODE3.3.1 OCCUPATION CODE 20 ……………………………………………………………………………………………………………………1083.3.2 OCCUPATION CODE 21 ……………………………………………………………………………………………………………………1093.3.3 OCCUPATION CODE 22 ……………………………………………………………………………………………………………………1103.3.4 OCCUPATION CODE 23 ……………………………………………………………………………………………………………………1113.3.5 OCCUPATION CODE 24 ……………………………………………………………………………………………………………………1123.3.6 OCCUPATION CODE 25 ……………………………………………………………………………………………………………………1133.3.7 OCCUPATION CODE 26 ……………………………………………………………………………………………………………………1143.3.8 OCCUPATION CODE 27 ……………………………………………………………………………………………………………………1153.3.9 OCCUPATION CODE 28 ……………………………………………………………………………………………………………………1163.3.10 OCCUPATION CODE 29 ……………………………………………………………………………………………………………………1173.3.11 OCCUPATION CODE 30 ……………………………………………………………………………………………………………………1183.3.12 OCCUPATION CODE 31 ……………………………………………………………………………………………………………………1193.3.13 OCCUPATION CODE 32 ……………………………………………………………………………………………………………………1203.3.14 OCCUPATION CODE 40 ……………………………………………………………………………………………………………………121





4.3 GROUP BY OCCUPATION CODE4.3.1 OCCUPATION CODE 20 ……………………………………………………………………………………………………………………1594.3.2 OCCUPATION CODE 21 ……………………………………………………………………………………………………………………1604.3.3 OCCUPATION CODE 22 ……………………………………………………………………………………………………………………1614.3.4 OCCUPATION CODE 23 ……………………………………………………………………………………………………………………1624.3.5 OCCUPATION CODE 24 ……………………………………………………………………………………………………………………1634.3.6 OCCUPATION CODE 25 ……………………………………………………………………………………………………………………1644.3.7 OCCUPATION CODE 26 ……………………………………………………………………………………………………………………1654.3.8 OCCUPATION CODE 27 ……………………………………………………………………………………………………………………1664.3.9 OCCUPATION CODE 28 ……………………………………………………………………………………………………………………1674.3.10 OCCUPATION CODE 29 ……………………………………………………………………………………………………………………1684.3.11 OCCUPATION CODE 30 ……………………………………………………………………………………………………………………1694.3.12 OCCUPATION CODE 31 ……………………………………………………………………………………………………………………1704.3.13 OCCUPATION CODE 32 ……………………………………………………………………………………………………………………1714.3.14 OCCUPATION CODE 40 ……………………………………………………………………………………………………………………172


BAGIAN 5 - SECTION 5 : TABEL GABUNGAN - COMBINED TABLE Page5.1 BY CLASS OF BUSINESS …………………………………………………………………………………………………………………………………15.2 BY OCCUPATION ………………………………………………………………………………………………………………………………………….25.3 BY PROVINCE ……………………………………………………………………………………………………………………………………………….3


BAGIAN 6 - SECTION 6 : GRAFIK - GRAPH6.1 GRAPH COMPARISON OF POLICIES NUMBER BY OCCUPATION …………………………………………………………16.2 GRAPH COMPARISON OF PREMIUM BY OCCUPATION …………………………………………………………………………26.3 GRAPH COMPARISON OF CLAIM NUMBER BY OCCUPATION ………………………………………………………………36.4 GRAPH COMPARISON OF CLAIM BY OCCUPATION ………………………………………………………………………………46.5 GRAPH COMPARISON OF LOSS RATIO BY OCCUPATION ……………………………………………………………………56.6 GRAPH COMPARISON OF POLICIES NUMBER BY PROVINCE ……………………………………………………66.7 GRAPH COMPARISON OF PREMIUM BY PROVINCE ……………………………………………………………………………\76.8 GRAPH COMPARISON OF CLAIM NUMBER BY PROVINCE ……………………………………………………………………86.9 GRAPH COMPARISON OF CLAIM BY PROVINCE ……………………………………………………………………………………96.10 GRAPH COMPARISON OF LOSS RATIO BY PROVINCE ……………………………………………………………………………10

BAGIAN 7 - SECTION 7 : EXAMPLE FOR REAL OCCUPATION CODE7.1 OCCUPATION CODE : 23001 - GENERAL CHEMICAL PRODUCTS FACTORIES

7.1.1 RISK AND LOSS PROFILE 2009 ………………………………………………………………………………………………………17.1.2 RISK AND LOSS PROFILE 2010 ………………………………………………………………………………………………………27.1.3 RISK AND LOSS PROFILE 2011 ………………………………………………………………………………………………………37.1.4 RISK AND LOSS PROFILE 2012 ………………………………………………………………………………………………………4

7.2 OCCUPATION CODE : 2341 - MANUFACTURE OF PLASTIC ARTICLES7.2.1 RISK AND LOSS PROFILE 2009 ………………………………………………………………………………………………………57.2.2 RISK AND LOSS PROFILE 2010 ………………………………………………………………………………………………………67.2.3 RISK AND LOSS PROFILE 2011 ………………………………………………………………………………………………………77.2.4 RISK AND LOSS PROFILE 2012 ………………………………………………………………………………………………………8

7.3 OCCUPATION CODE : 2521 - CARTON MANUFACTURE7.3.1 RISK AND LOSS PROFILE 2009 ………………………………………………………………………………………………………97.3.2 RISK AND LOSS PROFILE 2010 ………………………………………………………………………………………………………107.3.3 RISK AND LOSS PROFILE 2011 ………………………………………………………………………………………………………117.3.4 RISK AND LOSS PROFILE 2012 ………………………………………………………………………………………………………12

7.4 OCCUPATION CODE : 2782 - PRODUCERS OF WINES, FRUIT JUICES AND MINERAL WATER7.4.1 RISK AND LOSS PROFILE 2009 ………………………………………………………………………………………………………137.4.2 RISK AND LOSS PROFILE 2010 ………………………………………………………………………………………………………147.4.3 RISK AND LOSS PROFILE 2011 ………………………………………………………………………………………………………157.4.4 RISK AND LOSS PROFILE 2012 ………………………………………………………………………………………………………16

7.5 OCCUPATION CODE : 29371 - PRIVATE WAREHOUSES AND STOREHOUSES - SUBJECT TOWARRANTY A7.5.1 RISK AND LOSS PROFILE 2009 ………………………………………………………………………………………………………177.5.2 RISK AND LOSS PROFILE 2010 ………………………………………………………………………………………………………187.5.3 RISK AND LOSS PROFILE 2011 ………………………………………………………………………………………………………197.5.4 RISK AND LOSS PROFILE 2012 ………………………………………………………………………………………………………20


RISK AND LOSS PROFILE 2009

PT. REASURANSI INTERNASIONAL INDONESIAJalan Salemba Raya nomor 30, Jakarta 10430, IndonesiaP.O. Box 2635 JKT 10026Telepon : (62-21) 3920101, (62-21) 319 34208; Fax : (62-21) 3911432Website : http://www.reindo.co.id/bppdan/default.aspE-mail : [email protected]

RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013OCCUPATION CODE : ALL CODE PROCESSING DATE : 15/09/2013

From To BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.

1 0 50 25 198,186 198,186 16.37 16.37 125,976.02 125,976.02 6.70 6.70 469 469 2.34 2.34 3,422.82 3,422.82 0.09 0.09 2.72 2.72

2 > 50 100 75 162,038 360,224 13.39 29.76 35,196.84 161,172.87 1.87 8.57 502 971 2.50 4.84 7,938.01 11,360.83 0.20 0.29 22.55 7.05

3 > 100 200 150 213,880 574,104 17.67 47.43 80,130.94 241,303.81 4.26 12.83 1,103 2,074 5.50 10.35 22,194.98 33,555.81 0.57 0.86 27.70 13.91

CLAIM SEVERITY (in million Rupiah)CLAIM FREQUENCYPERCENTAGEBAND

rp

SUM INSURED(in million)

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah)

f FMid Points PERCENTAGE PERCENTAGE


LOSS RATIO

RP f FPERCENTAGEPERCENTAGE

rp RP

3 > 100 200 150 213,880 574,104 17.67 47.43 80,130.94 241,303.81 4.26 12.83 1,103 2,074 5.50 10.35 22,194.98 33,555.81 0.57 0.86 27.70 13.91

4 > 200 300 250 135,914 710,018 11.23 58.65 78,475.74 319,779.54 4.17 17.00 797 2,871 3.98 14.32 24,621.98 58,177.80 0.63 1.48 31.38 18.19

5 > 300 500 400 155,477 865,495 12.84 71.50 140,501.21 460,280.75 7.47 24.47 2,609 5,480 13.02 27.34 82,321.15 140,498.94 2.10 3.58 58.59 30.52

6 > 500 750 625 82,782 948,277 6.84 78.34 105,780.53 566,061.28 5.62 30.09 805 6,285 4.02 31.36 53,888.67 194,387.61 1.37 4.96 50.94 34.34

7 > 750 1,000 875 60,934 1,009,211 5.03 83.37 108,457.69 674,518.97 5.76 35.85 736 7,021 3.67 35.03 55,972.34 250,359.95 1.43 6.39 51.61 37.12

8 > 1,000 1,500 1,250 49,423 1,058,634 4.08 87.45 111,753.32 786,272.30 5.94 41.79 796 7,817 3.97 39.00 42,556.27 292,916.22 1.09 7.47 38.08 37.25

9 > 1,500 2,000 1,750 28,205 1,086,839 2.33 89.78 83,767.32 870,039.62 4.45 46.25 605 8,422 3.02 42.02 50,734.20 343,650.42 1.29 8.77 60.57 39.50

10 > 2,000 2,500 2,250 15,911 1,102,750 1.31 91.10 58,609.28 928,648.90 3.12 49.36 414 8,836 2.07 44.09 49,497.92 393,148.34 1.26 10.03 84.45 42.34

11 > 2,500 3,000 2,750 12,573 1,115,323 1.04 92.13 57,227.89 985,876.79 3.04 52.40 377 9,213 1.88 45.97 29,794.44 422,942.78 0.76 10.79 52.06 42.90

12 > 3,000 4,000 3,500 15,452 1,130,775 1.28 93.41 72,717.86 1,058,594.65 3.87 56.27 524 9,737 2.61 48.58 47,724.09 470,666.87 1.22 12.01 65.63 44.46

13 > 4,000 5,000 4,500 10,308 1,141,083 0.85 94.26 58,601.88 1,117,196.53 3.11 59.38 451 10,188 2.25 50.83 67,314.98 537,981.85 1.72 13.73 114.87 48.15

14 > 5,000 7,500 6,250 13,993 1,155,076 1.16 95.42 92,303.38 1,209,499.91 4.91 64.29 770 10,958 3.84 54.67 100,601.07 638,582.92 2.57 16.29 108.99 52.80

15 > 7,500 10,000 8,750 8,635 1,163,711 0.71 96.13 71,122.81 1,280,622.72 3.78 68.07 727 11,685 3.63 58.30 71,447.55 710,030.47 1.82 18.12 100.46 55.4415 > 7,500 10,000 8,750 8,635 1,163,711 0.71 96.13 71,122.81 1,280,622.72 3.78 68.07 727 11,685 3.63 58.30 71,447.55 710,030.47 1.82 18.12 100.46 55.44

16 > 10,000 20,000 15,000 14,754 1,178,465 1.22 97.35 163,091.00 1,443,713.72 8.67 76.74 1,217 12,902 6.07 64.37 162,802.17 872,832.64 4.15 22.27 99.82 60.46

17 > 20,000 50,000 35,000 13,758 1,192,223 1.14 98.49 165,644.51 1,609,358.24 8.80 85.54 1,723 14,625 8.60 72.97 551,650.11 1,424,482.75 14.07 36.34 333.03 88.51

18 > 50,000 100,000 75,000 6,885 1,199,108 0.57 99.06 81,182.11 1,690,540.34 4.32 89.86 1,142 15,767 5.70 78.67 373,873.58 1,798,356.33 9.54 45.88 460.54 106.38

19 > 100,000 500,000 300,000 8,406 1,207,514 0.69 99.75 118,639.95 1,809,180.30 6.31 96.16 2,425 18,192 12.10 90.76 1,359,119.36 3,157,475.70 34.68 80.56 1,145,58 174.53

20 > 500,000 3,026 1,210,540 0.25 100.00 72,163.86 1,881,344.15 3.84 100.00 1,851 20,043 9.24 100.00 761,983.26 3,919,458.96 19.44 100.00 1,055,91 208.33

T O T A L 1,210,540 1,881,344.14 20,043 3,919,458.95 208.33

Page 1 of 204


RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : FIRE (FR) DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013OCCUPATION CODE : ALL CODE PROCESSING DATE : 15/09/2013


1 0 50 25 161,500 161,500 16.74 16.74 63,620.19 63,620.19 5.67 5.67 278 278 3.99 3.99 2,441.06 2,441.06 0.26 0.26 3.84 3.84

2 > 50 100 75 148,013 309,513 15.34 32.08 31,517.20 95,137.39 2.81 8.47 332 610 4.77 8.76 6,446.69 8,887.75 0.69 0.95 20.45 9.34

3 > 100 200 150 192,317 501,830 19.93 52.01 73,306.99 168,444.39 6.53 15.00 610 1,220 8.76 17.52 15,823.34 24,711.09 1.69 2.64 21.59 14.67

4 > 200 300 250 120,409 622,239 12.48 64.48 71,609.46 240,053.85 6.38 21.38 427 1,647 6.13 23.65 18,188.35 42,899.44 1.94 4.59 25.40 17.87


PERCENTAGE PERCENTAGELOSS RATIO


rp RPBAND

rp



f FMid Points

CLAIM SEVERITY (in million Rupiah)CLAIM FREQUENCYPERCENTAGE

4 > 200 300 250 120,409 622,239 12.48 64.48 71,609.46 240,053.85 6.38 21.38 427 1,647 6.13 23.65 18,188.35 42,899.44 1.94 4.59 25.40 17.87

5 > 300 500 400 131,720 753,959 13.65 78.13 122,707.04 362,760.89 10.93 32.31 995 2,642 14.29 37.94 38,777.86 81,677.30 4.15 8.73 31.60 22.52

6 > 500 750 625 65,248 819,207 6.76 84.90 90,743.37 453,504.26 8.08 40.39 341 2,983 4.90 42.84 23,176.49 104,853.79 2.48 11.21 25.54 23.12

7 > 750 1,000 875 44,414 863,621 4.60 89.50 87,328.07 540,832.33 7.78 48.17 308 3,291 4.42 47.26 30,062.97 134,916.76 3.21 14.43 34.43 24.95

8 > 1,000 1,500 1,250 32,660 896,281 3.38 92.88 85,157.63 625,989.96 7.58 55.75 303 3,594 4.35 51.62 20,804.26 155,721.02 2.22 16.65 24.43 24.88

9 > 1,500 2,000 1,750 16,922 913,203 1.75 94.64 58,893.87 684,883.83 5.25 61.00 147 3,741 2.11 53.73 17,282.26 173,003.28 1.85 18.50 29.34 25.26

10 > 2,000 2,500 2,250 8,861 922,064 0.92 95.56 39,296.73 724,180.55 3.50 64.50 109 3,850 1.57 55.29 22,148.48 195,151.75 2.37 20.87 56.36 26.95

11 > 2,500 3,000 2,750 6,672 928,736 0.69 96.25 35,827.05 760,007.61 3.19 67.69 121 3,971 1.74 57.03 15,041.65 210,193.40 1.61 22.47 41.98 27.66

12 > 3,000 4,000 3,500 7,496 936,232 0.78 97.02 43,946.77 803,954.37 3.91 71.60 144 4,115 2.07 59.10 11,433.07 221,626.47 1.22 23.70 26.02 27.57

13 > 4,000 5,000 4,500 4,658 940,890 0.48 97.51 34,167.87 838,122.25 3.04 74.64 137 4,252 1.97 61.07 28,663.62 250,290.09 3.06 26.76 83.89 29.86

14 > 5,000 7,500 6,250 5,822 946,712 0.60 98.11 50,387.19 888,509.44 4.49 79.13 227 4,479 3.26 64.33 36,227.18 286,517.26 3.87 30.64 71.90 32.25

15 > 7,500 10,000 8,750 3,097 949,809 0.32 98.43 33,544.64 922,054.08 2.99 82.12 143 4,622 2.05 66.38 14,719.48 301,236.74 1.57 32.21 43.88 32.67

16 > 10,000 20,000 15,000 4,843 954,652 0.50 98.93 67,986.92 990,041.00 6.05 88.17 480 5,102 6.89 73.27 85,841.03 387,077.77 9.18 41.39 126.26 39.1016 > 10,000 20,000 15,000 4,843 954,652 0.50 98.93 67,986.92 990,041.00 6.05 88.17 480 5,102 6.89 73.27 85,841.03 387,077.77 9.18 41.39 126.26 39.10

17 > 20,000 50,000 35,000 4,448 959,100 0.46 99.39 55,003.25 1,045,044.25 4.90 93.07 545 5,647 7.83 81.10 177,501.12 564,578.89 18.98 60.37 322.71 54.02

18 > 50,000 100,000 75,000 2,125 961,225 0.22 99.61 25,568.61 1,070,612.85 2.28 95.35 257 5,904 3.69 84.79 33,738.73 598,317.63 3.61 63.97 131.95 55.89

19 > 100,000 500,000 300,000 2,584 963,809 0.27 99.88 26,130.21 1,096,743.06 2.33 97.68 557 6,461 8.00 92.79 315,006.12 913,323.75 33.68 97.65 1,205,52 83.28

20 > 500,000 1,144 964,953 0.12 100.00 26,096.28 1,122,839.34 2.32 100.00 502 6,963 7.21 100.00 21,934.09 935,257.84 2.35 100.00 84.05 83.29

T O T A L 964,953 1,122,839.34 6,963 935,257.84 83.29

Page 2 of 204


RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : INDUSTRIAL ALL RISK (IAR) DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013OCCUPATION CODE : ALL CODE PROCESSING DATE : 15/09/2013


1 0 50 25 21,644 21,644 14.43 14.43 27,747.11 27,747.11 6.24 6.24 130 130 1.22 1.22 662.26 662.26 0.03 0.03 2.39 2.39

2 > 50 100 75 8,544 30,188 5.70 20.13 1,754.06 29,501.16 0.39 6.64 94 224 0.88 2.10 794.39 1,456.65 0.03 0.06 45.29 4.94

3 > 100 200 150 12,565 42,753 8.38 28.50 3,904.19 33,405.36 0.88 7.51 252 476 2.36 4.46 2,582.01 4,038.66 0.11 0.17 66.13 12.09

4 > 200 300 250 9,484 52,237 6.32 34.83 4,353.27 37,758.63 0.98 8.49 208 684 1.95 6.41 2,515.55 6,554.21 0.10 0.27 57.79 17.36


Mid Points PERCENTAGE PERCENTAGERP

PERCENTAGEPERCENTAGErp RP

BANDSUM INSURED

(in million)NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah)

f F


LOSS RATIO

f Frp

4 > 200 300 250 9,484 52,237 6.32 34.83 4,353.27 37,758.63 0.98 8.49 208 684 1.95 6.41 2,515.55 6,554.21 0.10 0.27 57.79 17.36

5 > 300 500 400 15,296 67,533 10.20 45.02 12,873.04 50,631.67 2.90 11.39 1,244 1,928 11.66 18.07 24,454.00 31,008.21 1.02 1.29 189.96 61.24

6 > 500 750 625 11,472 79,005 7.65 52.67 10,276.75 60,908.41 2.31 13.70 284 2,212 2.66 20.73 12,868.12 43,876.33 0.54 1.83 125.22 72.04

7 > 750 1,000 875 10,891 89,896 7.26 59.93 15,372.10 76,280.52 3.46 17.16 292 2,504 2.74 23.47 16,387.81 60,264.14 0.68 2.51 106.61 79.00

8 > 1,000 1,500 1,250 11,073 100,969 7.38 67.32 18,837.89 95,118.41 4.24 21.40 373 2,877 3.50 26.96 16,273.41 76,537.55 0.68 3.18 86.39 80.47

9 > 1,500 2,000 1,750 7,440 108,409 4.96 72.28 17,719.67 112,838.08 3.99 25.38 326 3,203 3.06 30.02 19,498.30 96,035.85 0.81 3.99 110.04 85.11

10 > 2,000 2,500 2,250 4,494 112,903 3.00 75.27 13,755.53 126,593.61 3.09 28.48 219 3,422 2.05 32.07 17,040.78 113,076.63 0.71 4.70 123.88 89.32

11 > 2,500 3,000 2,750 3,729 116,632 2.49 77.76 15,116.64 141,710.24 3.40 31.88 157 3,579 1.47 33.54 11,248.47 124,325.10 0.47 5.17 74.41 87.73

12 > 3,000 4,000 3,500 4,899 121,531 3.27 81.02 19,305.24 161,015.48 4.34 36.22 252 3,831 2.36 35.90 15,618.56 139,943.66 0.65 5.82 80.90 86.91

13 > 4,000 5,000 4,500 3,313 124,844 2.21 83.23 16,265.16 177,280.64 3.66 39.88 213 4,044 2.00 37.90 30,483.17 170,426.83 1.27 7.09 187.41 96.13

14 > 5,000 7,500 6,250 4,716 129,560 3.14 86.38 28,143.10 205,423.74 6.33 46.21 460 4,504 4.31 42.21 48,625.50 219,052.32 2.02 9.11 172.78 106.63

15 > 7,500 10,000 8,750 3,083 132,643 2.06 88.43 24,518.46 229,942.20 5.52 51.72 496 5,000 4.65 46.86 34,910.38 253,962.70 1.45 10.56 142.38 110.45

16 > 10,000 20,000 15,000 5,600 138,243 3.73 92.17 55,652.87 285,595.08 12.52 64.24 651 5,651 6.10 52.96 62,911.41 316,874.11 2.62 13.18 113.04 110.9516 > 10,000 20,000 15,000 5,600 138,243 3.73 92.17 55,652.87 285,595.08 12.52 64.24 651 5,651 6.10 52.96 62,911.41 316,874.11 2.62 13.18 113.04 110.95

17 > 20,000 50,000 35,000 5,089 143,332 3.39 95.56 64,340.02 349,935.09 14.47 78.71 1,079 6,730 10.11 63.07 303,483.27 620,357.38 12.62 25.80 471.69 177.28

18 > 50,000 100,000 75,000 2,616 145,948 1.74 97.30 28,717.60 378,652.69 6.46 85.17 820 7,550 7.68 70.75 315,848.07 936,205.45 13.14 38.94 1,099,84 247.25

19 > 100,000 500,000 300,000 3,123 149,071 2.08 99.38 46,670.62 425,323.31 10.50 95.67 1,804 9,354 16.91 87.66 731,843.52 1,668,048.97 30.44 69.39 1,568,10 392.18

20 > 500,000 923 149,994 0.62 100.00 19,249.23 444,572.54 4.33 100.00 1,317 10,671 12.34 100.00 735,999.04 2,404,048.01 30.61 100.00 3,823,52 540.75

T O T A L 149,994 444,572.54 10,671 2,404,048.01 540.75

Page 3 of 204


CLASS OF BUSINESS : LOSS OF PROFIT (LOP) DATA POSITION FROM : 01/01/2009

RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : LOSS OF PROFIT (LOP) DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013OCCUPATION CODE : ALL CODE PROCESSING DATE : 15/09/2013


1 0 50 25 1 1 0.47 0.47 0.10 0.10 0.03 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 11 12 5.19 5.66 9.91 10.01 3.24 3.27 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 2 14 0.94 6.60 0.60 10.61 0.20 3.46 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 1 15 0.47 7.08 0.00 10.61 0.00 3.46 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 16 31 7.55 14.62 7.22 17.83 2.36 5.82 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 15 46 7.08 21.70 5.32 23.15 1.74 7.56 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 7 53 3.30 25.00 8.98 32.14 2.93 10.49 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 17 70 8.02 33.02 23.02 55.16 7.51 18.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Mid PointsBANDSUM INSURED

(in million)F

PERCENTAGE PERCENTAGErp

NUMBER OF POLICIES

f

LOSS RATIO

RP f FPERCENTAGE

ORIGINAL PREMIUM (in million Rupiah)PERCENTAGE

rp RP


8 > 1,000 1,500 1,250 17 70 8.02 33.02 23.02 55.16 7.51 18.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 10 80 4.72 37.74 7.41 62.58 2.42 20.42 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 6 86 2.83 40.57 11.60 74.18 3.79 24.21 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 5 91 2.36 42.92 3.52 77.70 1.15 25.36 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 > 3,000 4,000 3,500 5 96 2.36 45.28 (0,39) 77.31 (0,13) 25.23 4 4 50.00 50.00 148.53 148.53 9.95 9.95 (38,194,42) 192.11

13 > 4,000 5,000 4,500 10 106 4.72 50.00 33.29 110.61 10.87 36.10 0 4 0.00 50.00 0.00 148.53 0.00 9.95 0.00 134.28

14 > 5,000 7,500 6,250 9 115 4.25 54.25 35.50 146.11 11.59 47.68 0 4 0.00 50.00 0.00 148.53 0.00 9.95 0.00 101.66

15 > 7,500 10,000 8,750 13 128 6.13 60.38 57.86 203.96 18.88 66.56 0 4 0.00 50.00 0.00 148.53 0.00 9.95 0.00 72.82

16 > 10,000 20,000 15,000 22 150 10.38 70.75 36.22 240.18 11.82 78.38 0 4 0.00 50.00 0.00 148.53 0.00 9.95 0.00 61.84

17 > 20,000 50,000 35,000 25 175 11.79 82.55 137.15 377.34 44.76 123.14 0 4 0.00 50.00 0.00 148.53 0.00 9.95 0.00 39.36

18 > 50,000 100,000 75,000 10 185 4.72 87.26 (119,67) 257.67 (39,05) 84.09 0 4 0.00 50.00 0.00 148.53 0.00 9.95 0.00 57.64

19 > 100,000 500,000 300,000 15 200 7.08 94.34 33.99 291.66 11.09 95.18 0 4 0.00 50.00 0.00 148.53 0.00 9.95 0.00 50.92

20 > 500,000 12 212 5.66 100.00 14.76 306.42 4.82 100.00 4 8 50.00 100.00 1,343.73 1,492.25 90.05 100.00 9,103,15 486.99

T O T A L 212 306.42 8 1,492.25 486.99T O T A L 212 306.42 8 1,492.25 486.99

Page 4 of 204


RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : EARTHQUAKE (EQ) DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013OCCUPATION CODE : ALL CODE PROCESSING DATE : 15/09/2013


1 0 50 25 15,041 15,041 15.77 15.77 34,608.62 34,608.62 11.04 11.04 61 61 2.54 2.54 319.50 319.50 0.06 0.06 0.92 0.92

2 > 50 100 75 5,470 20,511 5.73 21.50 1,915.67 36,524.30 0.61 11.65 76 137 3.17 5.71 696.94 1,016.43 0.12 0.18 36.38 2.78

3 > 100 200 150 8,996 29,507 9.43 30.94 2,919.15 39,443.45 0.93 12.58 241 378 10.04 15.74 3,789.63 4,806.06 0.65 0.83 129.82 12.18

4 > 200 300 250 6,021 35,528 6.31 37.25 2,513.00 41,956.45 0.80 13.38 162 540 6.75 22.49 3,918.08 8,724.14 0.68 1.51 155.91 20.79

5 > 300 500 400 8,444 43,972 8.85 46.10 4,913.91 46,870.36 1.57 14.94 370 910 15.41 37.90 19,089.29 27,813.44 3.30 4.81 388.47 59.34

6 > 500 750 625 6,047 50,019 6.34 52.44 4,755.09 51,625.46 1.52 16.46 180 1,090 7.50 45.40 17,844.06 45,657.50 3.08 7.89 375.26 88.44


rp




LOSS RATIO


rp RP

6 > 500 750 625 6,047 50,019 6.34 52.44 4,755.09 51,625.46 1.52 16.46 180 1,090 7.50 45.40 17,844.06 45,657.50 3.08 7.89 375.26 88.44

7 > 750 1,000 875 5,622 55,641 5.89 58.34 5,748.53 57,373.99 1.83 18.29 136 1,226 5.66 51.06 9,521.56 55,179.05 1.65 9.54 165.63 96.17

8 > 1,000 1,500 1,250 5,673 61,314 5.95 64.28 7,734.78 65,108.76 2.47 20.76 120 1,346 5.00 56.06 5,478.60 60,657.66 0.95 10.48 70.83 93.16

9 > 1,500 2,000 1,750 3,833 65,147 4.02 68.30 7,146.37 72,255.13 2.28 23.04 132 1,478 5.50 61.56 13,953.64 74,611.29 2.41 12.89 195.25 103.26

10 > 2,000 2,500 2,250 2,550 67,697 2.67 70.98 5,545.43 77,800.56 1.77 24.81 86 1,564 3.58 65.14 10,308.66 84,919.96 1.78 14.68 185.89 109.15

11 > 2,500 3,000 2,750 2,167 69,864 2.27 73.25 6,280.68 84,081.24 2.00 26.81 99 1,663 4.12 69.26 3,504.32 88,424.28 0.61 15.28 55.80 105.17

12 > 3,000 4,000 3,500 3,052 72,916 3.20 76.45 9,466.24 93,547.48 3.02 29.83 124 1,787 5.16 74.43 20,523.94 108,948.22 3.55 18.83 216.81 116.46

13 > 4,000 5,000 4,500 2,327 75,243 2.44 78.89 8,135.56 101,683.04 2.59 32.42 101 1,888 4.21 78.63 8,168.19 117,116.41 1.41 20.24 100.40 115.18

14 > 5,000 7,500 6,250 3,446 78,689 3.61 82.50 13,737.58 115,420.62 4.38 36.80 83 1,971 3.46 82.09 15,748.40 132,864.81 2.72 22.96 114.64 115.11

15 > 7,500 10,000 8,750 2,442 81,131 2.56 85.06 13,001.85 128,422.48 4.15 40.95 88 2,059 3.67 85.76 21,817.69 154,682.50 3.77 26.73 167.80 120.45

16 > 10,000 20,000 15,000 4,289 85,420 4.50 89.56 39,414.99 167,837.46 12.57 53.52 86 2,145 3.58 89.34 14,049.73 168,732.23 2.43 29.16 35.65 100.53

17 > 20,000 50,000 35,000 4,196 89,616 4.40 93.96 46,164.09 214,001.56 14.72 68.23 99 2,244 4.12 93.46 70,665.72 239,397.95 12.21 41.37 153.08 111.87

18 > 50,000 100,000 75,000 2,134 91,750 2.24 96.19 27,015.57 241,017.13 8.61 76.85 65 2,309 2.71 96.17 24,286.78 263,684.73 4.20 45.57 89.90 109.40

19 > 100,000 500,000 300,000 2,684 94,434 2.81 99.01 45,805.13 286,822.26 14.61 91.45 64 2,373 2.67 98.83 312,269.72 575,954.46 53.96 99.53 681.74 200.81

20 > 500,000 947 95,381 0.99 100.00 26,803.58 313,625.85 8.55 100.00 28 2,401 1.17 100.00 2,706.41 578,660.87 0.47 100.00 10.10 184.51

T O T A L 95,381 313,625.85 2,401 578,660.87 184.51

Page 5 of 204


RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013OCCUPATION CODE : 20 PROCESSING DATE : 15/09/2013

Mining, Drilling, Installations, Salt Mines, Peat Extraction, Metallurgical Plants (Instalasi Pertambangan, Pengeboran, Tambang Garam (Mineral), Penggalian Tanah, Pabrik Pengolahan/Pengecoran Logam Logam)


1 0 50 25 174 174 9.57 9.57 1,301.49 1,301.49 8.99 8.99 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 34 208 1.87 11.43 5.28 1,306.76 0.04 9.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 74 282 4.07 15.50 33.33 1,340.09 0.23 9.26 1 1 0.27 0.27 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 53 335 2.91 18.42 48.83 1,388.92 0.34 9.60 0 1 0.00 0.27 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 90 425 4.95 23.36 86.44 1,475.36 0.60 10.20 9 10 2.44 2.71 164.96 164.96 0.07 0.07 190.85 11.18

BANDrp

SUM INSURED CLAIM SEVERITY (in million Rupiah)(in million)

NUMBER OF POLICIES


ORIGINAL PREMIUM (in million Rupiah) CLAIM FREQUENCYPERCENTAGE

LOSS RATIO


rp RP

5 > 300 500 400 90 425 4.95 23.36 86.44 1,475.36 0.60 10.20 9 10 2.44 2.71 164.96 164.96 0.07 0.07 190.85 11.18

6 > 500 750 625 48 473 2.64 26.00 79.77 1,555.13 0.55 10.75 2 12 0.54 3.25 551.28 716.24 0.22 0.28 691.05 46.06

7 > 750 1,000 875 55 528 3.02 29.03 95.14 1,650.27 0.66 11.41 5 17 1.36 4.61 253.21 969.46 0.10 0.39 266.16 58.75

8 > 1,000 1,500 1,250 74 602 4.07 33.10 190.93 1,841.20 1.32 12.72 2 19 0.54 5.15 5.05 974.51 0.00 0.39 2.65 52.93

9 > 1,500 2,000 1,750 61 663 3.35 36.45 150.03 1,991.23 1.04 13.76 0 19 0.00 5.15 0.00 974.51 0.00 0.39 0.00 48.94

10 > 2,000 2,500 2,250 59 722 3.24 39.69 178.66 2,169.88 1.23 15.00 4 23 1.08 6.23 2,039.02 3,013.54 0.81 1.20 1,141,32 138.88

11 > 2,500 3,000 2,750 45 767 2.47 42.17 130.85 2,300.73 0.90 15.90 0 23 0.00 6.23 0.00 3,013.54 0.00 1.20 0.00 130.98

12 > 3,000 4,000 3,500 77 844 4.23 46.40 554.09 2,854.82 3.83 19.73 6 29 1.63 7.86 3,358.50 6,372.04 1.34 2.53 606.13 223.20

13 > 4,000 5,000 4,500 49 893 2.69 49.09 253.85 3,108.67 1.75 21.48 9 38 2.44 10.30 375.55 6,747.60 0.15 2.68 147.94 217.06

14 > 5,000 7,500 6,250 74 967 4.07 53.16 495.21 3,603.88 3.42 24.91 4 42 1.08 11.38 84.10 6,831.70 0.03 2.72 16.98 189.57

15 > 7,500 10,000 8,750 59 1,026 3.24 56.40 541.59 4,145.47 3.74 28.65 3 45 0.81 12.20 309.20 7,140.90 0.12 2.84 57.09 172.26

16 > 10,000 20,000 15,000 111 1,137 6.10 62.51 1,370.98 5,516.45 9.48 38.13 25 70 6.78 18.97 13,340.72 20,481.62 5.30 8.14 973.08 371.28

17 > 20,000 50,000 35,000 211 1,348 11.60 74.11 1,843.22 7,359.67 12.74 50.86 11 81 2.98 21.95 460.53 20,942.14 0.18 8.33 24.98 284.55

18 > 50,000 100,000 75,000 149 1,497 8.19 82.30 1,718.61 9,078.28 11.88 62.74 21 102 5.69 27.64 3,294.25 24,236.39 1.31 9.63 191.68 266.9718 > 50,000 100,000 75,000 149 1,497 8.19 82.30 1,718.61 9,078.28 11.88 62.74 21 102 5.69 27.64 3,294.25 24,236.39 1.31 9.63 191.68 266.97

19 > 100,000 500,000 300,000 207 1,704 11.38 93.68 1,820.44 10,898.72 12.58 75.32 138 240 37.40 65.04 23,768.24 48,004.62 9.45 19.08 1,305,63 440.46

20 > 500,000 115 1,819 6.32 100.00 3,570.57 14,469.29 24.68 100.00 129 369 34.96 100.00 203,549.72 251,554.34 80.92 100.00 5,700,77 1,738,54

T O T A L 1,819 14,469.29 369 251,554.34 1,738,54

Page 6 of 204



Stone, Earth, (Animal) Bones or Shells (Batuan, Tanah, Tulang/Rangka Hewan)


1 0 50 25 832 832 26.54 26.54 843.14 843.14 5.77 5.77 14 14 5.83 5.83 61.55 61.55 0.05 0.05 7.30 7.30

2 > 50 100 75 111 943 3.54 30.08 31.43 874.57 0.22 5.99 0 14 0.00 5.83 0.00 61.55 0.00 0.05 0.00 7.04

3 > 100 200 150 112 1,055 3.57 33.65 56.77 931.34 0.39 6.38 0 14 0.00 5.83 0.00 61.55 0.00 0.05 0.00 6.61

4 > 200 300 250 103 1,158 3.29 36.94 66.76 998.10 0.46 6.84 2 16 0.83 6.67 9.93 71.48 0.01 0.06 14.88 7.16

5 > 300 500 400 138 1,296 4.40 41.34 162.77 1,160.87 1.11 7.95 13 29 5.42 12.08 639.31 710.79 0.51 0.57 392.77 61.23

Mid Points PERCENTAGE PERCENTAGEORIGINAL PREMIUM (in million Rupiah) LOSS RATIO


rp RP


rp


NUMBER OF POLICIES

f F

5 > 300 500 400 138 1,296 4.40 41.34 162.77 1,160.87 1.11 7.95 13 29 5.42 12.08 639.31 710.79 0.51 0.57 392.77 61.23

6 > 500 750 625 86 1,382 2.74 44.08 93.85 1,254.72 0.64 8.59 0 29 0.00 12.08 0.00 710.79 0.00 0.57 0.00 56.65

7 > 750 1,000 875 120 1,502 3.83 47.91 153.08 1,407.80 1.05 9.64 11 40 4.58 16.67 504.41 1,215.20 0.40 0.97 329.50 86.32

8 > 1,000 1,500 1,250 97 1,599 3.09 51.00 219.18 1,626.98 1.50 11.14 4 44 1.67 18.33 31.22 1,246.42 0.03 1.00 14.25 76.61

9 > 1,500 2,000 1,750 108 1,707 3.44 54.45 283.11 1,910.09 1.94 13.08 0 44 0.00 18.33 0.00 1,246.42 0.00 1.00 0.00 65.25

10 > 2,000 2,500 2,250 62 1,769 1.98 56.43 228.83 2,138.92 1.57 14.65 2 46 0.83 19.17 809.05 2,055.47 0.65 1.65 353.55 96.10

11 > 2,500 3,000 2,750 73 1,842 2.33 58.76 388.97 2,527.89 2.66 17.31 6 52 2.50 21.67 151.75 2,207.22 0.12 1.77 39.01 87.31

12 > 3,000 4,000 3,500 68 1,910 2.17 60.93 326.90 2,854.78 2.24 19.55 0 52 0.00 21.67 0.00 2,207.22 0.00 1.77 0.00 77.32

13 > 4,000 5,000 4,500 66 1,976 2.11 63.03 355.43 3,210.21 2.43 21.99 24 76 10.00 31.67 4,086.18 6,293.40 3.27 5.04 1,149,65 196.04

14 > 5,000 7,500 6,250 112 2,088 3.57 66.60 650.61 3,860.82 4.46 26.44 7 83 2.92 34.58 7,372.89 13,666.29 5.91 10.95 1,133,23 353.97

15 > 7,500 10,000 8,750 65 2,153 2.07 68.68 555.11 4,415.93 3.80 30.25 9 92 3.75 38.33 328.05 13,994.34 0.26 11.21 59.10 316.91

16 > 10,000 20,000 15,000 172 2,325 5.49 74.16 1,590.12 6,006.06 10.89 41.14 8 100 3.33 41.67 287.74 14,282.08 0.23 11.44 18.10 237.79

17 > 20,000 50,000 35,000 273 2,598 8.71 82.87 2,822.81 8,828.87 19.33 60.47 24 124 10.00 51.67 8,653.79 22,935.86 6.93 18.38 306.57 259.78

18 > 50,000 100,000 75,000 135 2,733 4.31 87.18 1,221.75 10,050.62 8.37 68.84 18 142 7.50 59.17 85,627.19 108,563.06 68.61 86.98 7,008,56 1,080,16 18 > 50,000 100,000 75,000 135 2,733 4.31 87.18 1,221.75 10,050.62 8.37 68.84 18 142 7.50 59.17 85,627.19 108,563.06 68.61 86.98 7,008,56 1,080,16

19 > 100,000 500,000 300,000 284 3,017 9.06 96.24 4,095.11 14,145.73 28.05 96.89 56 198 23.33 82.50 5,565.98 114,129.04 4.46 91.44 135.92 806.81

20 > 500,000 118 3,135 3.76 100.00 454.52 14,600.25 3.11 100.00 42 240 17.50 100.00 10,678.28 124,807.33 8.56 100.00 2,349,38 854.83

T O T A L 3,135 14,600.25 240 124,807.33 854.83

Page 7 of 204



Metals (Logam)


1 0 50 25 1,532 1,532 13.04 13.04 5,215.32 5,215.32 8.23 8.23 8 8 1.17 1.17 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 307 1,839 2.61 15.66 137.75 5,353.07 0.22 8.45 2 10 0.29 1.46 2.10 2.10 0.00 0.00 1.52 0.04

3 > 100 200 150 496 2,335 4.22 19.88 194.26 5,547.32 0.31 8.75 2 12 0.29 1.75 7.50 9.60 0.00 0.00 3.86 0.17

4 > 200 300 250 466 2,801 3.97 23.85 234.65 5,781.98 0.37 9.12 2 14 0.29 2.04 3.99 13.59 0.00 0.01 1.70 0.24

BANDLOSS RATIO

FPERCENTAGE


fPERCENTAGE

rp RPPERCENTAGE PERCENTAGE

RPrp



f FMid Points

5 > 300 500 400 713 3,514 6.07 29.92 767.10 6,549.08 1.21 10.33 79 93 11.52 13.56 2,115.05 2,128.64 1.00 1.01 275.72 32.50

6 > 500 750 625 524 4,038 4.46 34.38 716.11 7,265.19 1.13 11.46 5 98 0.73 14.29 552.67 2,681.32 0.26 1.27 77.18 36.91

7 > 750 1,000 875 535 4,573 4.56 38.94 816.00 8,081.19 1.29 12.75 10 108 1.46 15.74 1,186.79 3,868.10 0.56 1.83 145.44 47.87

8 > 1,000 1,500 1,250 659 5,232 5.61 44.55 1,218.03 9,299.22 1.92 14.67 26 134 3.79 19.53 5,317.69 9,185.79 2.51 4.34 436.58 98.78

9 > 1,500 2,000 1,750 477 5,709 4.06 48.61 1,068.01 10,367.23 1.69 16.36 3 137 0.44 19.97 817.62 10,003.41 0.39 4.73 76.56 96.49

10 > 2,000 2,500 2,250 386 6,095 3.29 51.89 982.34 11,349.57 1.55 17.91 0 137 0.00 19.97 0.00 10,003.41 0.00 4.73 0.00 88.14

11 > 2,500 3,000 2,750 269 6,364 2.29 54.18 827.68 12,177.25 1.31 19.21 2 139 0.29 20.26 21.49 10,024.90 0.01 4.74 2.60 82.32

12 > 3,000 4,000 3,500 502 6,866 4.27 58.46 1,810.51 13,987.76 2.86 22.07 17 156 2.48 22.74 2,054.37 12,079.27 0.97 5.71 113.47 86.36

13 > 4,000 5,000 4,500 381 7,247 3.24 61.70 2,057.13 16,044.89 3.25 25.32 19 175 2.77 25.51 789.01 12,868.29 0.37 6.08 38.36 80.20

14 > 5,000 7,500 6,250 654 7,901 5.57 67.27 3,860.45 19,905.34 6.09 31.41 31 206 4.52 30.03 581.79 13,450.08 0.28 6.36 15.07 67.57

15 > 7,500 10,000 8,750 413 8,314 3.52 70.79 2,991.52 22,896.86 4.72 36.13 13 219 1.90 31.92 392.41 13,842.49 0.19 6.54 13.12 60.46

16 > 10,000 20,000 15,000 773 9,087 6.58 77.37 8,114.50 31,011.36 12.80 48.93 52 271 7.58 39.50 2,940.02 16,782.51 1.39 7.93 36.23 54.12

17 > 20,000 50,000 35,000 946 10,033 8.05 85.42 11,272.16 42,283.52 17.79 66.72 50 321 7.29 46.79 4,013.96 20,796.47 1.90 9.83 35.61 49.1817 > 20,000 50,000 35,000 946 10,033 8.05 85.42 11,272.16 42,283.52 17.79 66.72 50 321 7.29 46.79 4,013.96 20,796.47 1.90 9.83 35.61 49.18

18 > 50,000 100,000 75,000 491 10,524 4.18 89.60 4,965.39 47,248.91 7.83 74.55 106 427 15.45 62.24 67,031.42 87,827.89 31.69 41.52 1,349,97 185.88

19 > 100,000 500,000 300,000 793 11,317 6.75 96.36 11,774.56 59,023.47 18.58 93.13 153 580 22.30 84.55 119,576.38 207,404.28 56.53 98.06 1,015,55 351.39

20 > 500,000 428 11,745 3.64 100.00 4,351.53 63,375.01 6.87 100.00 106 686 15.45 100.00 4,107.25 211,511.53 1.94 100.00 94.39 333.75

T O T A L 11,745 63,375.01 686 211,511.53 333.75

Page 8 of 204



Chemical / Oil / Gas (Kimia / Minyak / Gas)


1 0 50 25 1,419 1,419 9.95 9.95 8,480.48 8,480.48 8.32 8.32 10 10 0.93 0.93 80.33 80.33 0.04 0.04 0.95 0.95

2 > 50 100 75 180 1,599 1.26 11.21 181.49 8,661.96 0.18 8.49 5 15 0.46 1.39 73.62 153.95 0.04 0.08 40.57 1.78

3 > 100 200 150 385 1,984 2.70 13.91 464.13 9,126.10 0.46 8.95 6 21 0.56 1.95 166.68 320.63 0.09 0.17 35.91 3.51

4 > 200 300 250 377 2,361 2.64 16.55 490.03 9,616.13 0.48 9.43 20 41 1.86 3.81 361.50 682.12 0.19 0.35 73.77 7.09



rp RP


SUM INSURED(in million)BAND

rp

ORIGINAL PREMIUM (in million Rupiah)

f FMid Points

NUMBER OF POLICIES

4 > 200 300 250 377 2,361 2.64 16.55 490.03 9,616.13 0.48 9.43 20 41 1.86 3.81 361.50 682.12 0.19 0.35 73.77 7.09

5 > 300 500 400 721 3,082 5.05 21.60 1,329.96 10,946.09 1.30 10.73 113 154 10.49 14.30 3,480.79 4,162.92 1.80 2.15 261.72 38.03

6 > 500 750 625 654 3,736 4.58 26.18 1,168.68 12,114.77 1.15 11.88 19 173 1.76 16.06 1,510.39 5,673.30 0.78 2.94 129.24 46.83

7 > 750 1,000 875 737 4,473 5.17 31.35 1,686.19 13,800.96 1.65 13.53 13 186 1.21 17.27 1,665.54 7,338.84 0.86 3.80 98.78 53.18

8 > 1,000 1,500 1,250 855 5,328 5.99 37.34 2,246.91 16,047.87 2.20 15.74 15 201 1.39 18.66 2,634.16 9,973.00 1.36 5.16 117.23 62.15

9 > 1,500 2,000 1,750 708 6,036 4.96 42.30 2,400.50 18,448.36 2.35 18.09 26 227 2.41 21.08 3,653.36 13,626.36 1.89 7.05 152.19 73.86

10 > 2,000 2,500 2,250 483 6,519 3.39 45.69 2,051.93 20,500.30 2.01 20.10 17 244 1.58 22.66 156.91 13,783.27 0.08 7.13 7.65 67.23

11 > 2,500 3,000 2,750 505 7,024 3.54 49.23 2,813.28 23,313.58 2.76 22.86 24 268 2.23 24.88 592.80 14,376.07 0.31 7.44 21.07 61.66

12 > 3,000 4,000 3,500 733 7,757 5.14 54.37 3,793.78 27,107.36 3.72 26.58 17 285 1.58 26.46 3,636.28 18,012.35 1.88 9.32 95.85 66.45

13 > 4,000 5,000 4,500 618 8,375 4.33 58.70 3,690.70 30,798.06 3.62 30.20 11 296 1.02 27.48 1,232.21 19,244.56 0.64 9.96 33.39 62.49

14 > 5,000 7,500 6,250 977 9,352 6.85 65.55 7,402.62 38,200.68 7.26 37.46 93 389 8.64 36.12 9,370.25 28,614.81 4.85 14.81 126.58 74.91

15 > 7,500 10,000 8,750 581 9,933 4.07 69.62 5,330.56 43,531.24 5.23 42.69 69 458 6.41 42.53 18,569.34 47,184.15 9.61 24.42 348.36 108.39

16 > 10,000 20,000 15,000 1,256 11,189 8.80 78.42 14,569.17 58,100.41 14.29 56.98 107 565 9.94 52.46 15,106.63 62,290.78 7.82 32.23 103.69 107.21

17 > 20,000 50,000 35,000 1,210 12,399 8.48 86.90 17,395.16 75,495.57 17.06 74.04 198 763 18.38 70.84 37,410.99 99,701.77 19.36 51.59 215.07 132.0617 > 20,000 50,000 35,000 1,210 12,399 8.48 86.90 17,395.16 75,495.57 17.06 74.04 198 763 18.38 70.84 37,410.99 99,701.77 19.36 51.59 215.07 132.06

18 > 50,000 100,000 75,000 670 13,069 4.70 91.60 7,856.85 83,352.42 7.70 81.74 72 835 6.69 77.53 18,885.15 118,586.92 9.77 61.36 240.37 142.27

19 > 100,000 500,000 300,000 832 13,901 5.83 97.43 10,263.07 93,615.49 10.06 91.80 192 1,027 17.83 95.36 40,336.19 158,923.11 20.87 82.24 393.02 169.76

20 > 500,000 367 14,268 2.57 100.00 8,356.97 101,972.46 8.20 100.00 50 1,077 4.64 100.00 34,327.32 193,250.43 17.76 100.00 410.76 189.51

T O T A L 14,268 101,972.46 1,077 193,250.43 189.51

Page 9 of 204



Textiles (Tekstil)


1 0 50 25 1,875 1,875 10.62 10.62 5,499.85 5,499.85 6.55 6.55 4 4 0.31 0.31 80.40 80.40 0.03 0.03 1.46 1.46

2 > 50 100 75 819 2,694 4.64 15.26 333.07 5,832.92 0.40 6.95 7 11 0.55 0.86 108.77 189.17 0.04 0.06 32.66 3.24

3 > 100 200 150 1,644 4,338 9.31 24.57 962.86 6,795.78 1.15 8.09 11 22 0.86 1.71 441.82 630.99 0.15 0.21 45.89 9.28

4 > 200 300 250 1,261 5,599 7.14 31.71 1,177.71 7,973.49 1.40 9.49 10 32 0.78 2.49 158.70 789.69 0.05 0.26 13.48 9.90

CLAIM FREQUENCYPERCENTAGEBAND

rp



f FMid Points

FPERCENTAGE PERCENTAGE

LOSS RATIO

RP fPERCENTAGEPERCENTAGE

rp RP

CLAIM SEVERITY (in million Rupiah)

4 > 200 300 250 1,261 5,599 7.14 31.71 1,177.71 7,973.49 1.40 9.49 10 32 0.78 2.49 158.70 789.69 0.05 0.26 13.48 9.90

5 > 300 500 400 1,867 7,466 10.57 42.28 3,223.00 11,196.49 3.84 13.33 246 278 19.17 21.67 5,577.85 6,367.54 1.85 2.12 173.06 56.87

6 > 500 750 625 1,217 8,683 6.89 49.17 2,193.32 13,389.81 2.61 15.94 20 298 1.56 23.23 1,698.37 8,065.91 0.56 2.68 77.43 60.24

7 > 750 1,000 875 993 9,676 5.62 54.80 2,403.22 15,793.03 2.86 18.81 10 308 0.78 24.01 844.32 8,910.24 0.28 2.96 35.13 56.42

8 > 1,000 1,500 1,250 1,016 10,692 5.75 60.55 3,165.86 18,958.89 3.77 22.57 19 327 1.48 25.49 510.11 9,420.34 0.17 3.13 16.11 49.69

9 > 1,500 2,000 1,750 728 11,420 4.12 64.67 2,708.35 21,667.23 3.22 25.80 6 333 0.47 25.95 552.55 9,972.89 0.18 3.31 20.40 46.03

10 > 2,000 2,500 2,250 490 11,910 2.77 67.45 2,048.40 23,715.63 2.44 28.24 19 352 1.48 27.44 868.92 10,841.82 0.29 3.60 42.42 45.72

11 > 2,500 3,000 2,750 413 12,323 2.34 69.79 1,978.92 25,694.55 2.36 30.60 8 360 0.62 28.06 5,569.68 16,411.49 1.85 5.45 281.45 63.87

12 > 3,000 4,000 3,500 498 12,821 2.82 72.61 2,875.36 28,569.91 3.42 34.02 26 386 2.03 30.09 2,231.39 18,642.88 0.74 6.19 77.60 65.25

13 > 4,000 5,000 4,500 347 13,168 1.97 74.57 2,106.81 30,676.72 2.51 36.53 18 404 1.40 31.49 236.43 18,879.31 0.08 6.27 11.22 61.54

14 > 5,000 7,500 6,250 628 13,796 3.56 78.13 4,244.77 34,921.49 5.05 41.58 38 442 2.96 34.45 3,197.75 22,077.06 1.06 7.34 75.33 63.22

15 > 7,500 10,000 8,750 414 14,210 2.34 80.47 3,708.86 38,630.34 4.42 46.00 48 490 3.74 38.19 310.54 22,387.60 0.10 7.44 8.37 57.95

16 > 10,000 20,000 15,000 854 15,064 4.84 85.31 9,932.00 48,562.34 11.83 57.82 113 603 8.81 47.00 23,785.04 46,172.64 7.90 15.34 239.48 95.08

17 > 20,000 50,000 35,000 885 15,949 5.01 90.32 12,072.67 60,635.02 14.38 72.20 151 754 11.77 58.77 11,478.83 57,651.47 3.81 19.16 95.08 95.0817 > 20,000 50,000 35,000 885 15,949 5.01 90.32 12,072.67 60,635.02 14.38 72.20 151 754 11.77 58.77 11,478.83 57,651.47 3.81 19.16 95.08 95.08

18 > 50,000 100,000 75,000 531 16,480 3.01 93.33 7,057.55 67,692.57 8.40 80.60 129 883 10.05 68.82 56,257.49 113,908.96 18.69 37.85 797.13 168.27

19 > 100,000 500,000 300,000 928 17,408 5.26 98.58 11,821.68 79,514.24 14.08 94.68 317 1,200 24.71 93.53 178,807.69 292,716.66 59.41 97.26 1,512,54 368.13

20 > 500,000 250 17,658 1.42 100.00 4,468.28 83,982.52 5.32 100.00 83 1,283 6.47 100.00 8,234.42 300,951.08 2.74 100.00 184.29 358.35

T O T A L 17,658 83,982.52 1,283 300,951.08 358.35

Page 10 of 204



Paper, Leather and Rubber (Kertas, Kulit dan Karet)


1 0 50 25 1,173 1,173 9.50 9.50 5,783.69 5,783.69 7.26 7.26 2 2 0.28 0.28 21.50 21.50 0.01 0.01 0.37 0.37

2 > 50 100 75 501 1,674 4.06 13.56 359.52 6,143.21 0.45 7.71 8 10 1.11 1.38 102.25 123.75 0.04 0.05 28.44 2.01

3 > 100 200 150 915 2,589 7.41 20.98 664.19 6,807.39 0.83 8.55 11 21 1.52 2.90 165.83 289.58 0.07 0.13 24.97 4.25

4 > 200 300 250 760 3,349 6.16 27.13 737.65 7,545.05 0.93 9.47 10 31 1.38 4.29 172.51 462.09 0.08 0.20 23.39 6.12

5 > 300 500 400 1,098 4,447 8.90 36.03 2,136.90 9,681.94 2.68 12.15 124 155 17.15 21.44 3,706.63 4,168.71 1.62 1.83 173.46 43.06



f FMid Points PERCENTAGE

RPrpBAND

LOSS RATIO

FPERCENTAGE


fPERCENTAGE

rp RPPERCENTAGE

5 > 300 500 400 1,098 4,447 8.90 36.03 2,136.90 9,681.94 2.68 12.15 124 155 17.15 21.44 3,706.63 4,168.71 1.62 1.83 173.46 43.06

6 > 500 750 625 805 5,252 6.52 42.55 1,638.06 11,320.01 2.06 14.21 30 185 4.15 25.59 1,925.31 6,094.02 0.84 2.67 117.54 53.83

7 > 750 1,000 875 677 5,929 5.49 48.04 1,710.69 13,030.70 2.15 16.36 18 203 2.49 28.08 2,714.64 8,808.66 1.19 3.86 158.69 67.60

8 > 1,000 1,500 1,250 757 6,686 6.13 54.17 2,650.73 15,681.43 3.33 19.68 13 216 1.80 29.88 65.50 8,874.16 0.03 3.89 2.47 56.59

9 > 1,500 2,000 1,750 615 7,301 4.98 59.16 2,671.52 18,352.95 3.35 23.04 28 244 3.87 33.75 2,937.45 11,811.61 1.29 5.17 109.95 64.36

10 > 2,000 2,500 2,250 405 7,706 3.28 62.44 2,449.31 20,802.26 3.07 26.11 20 264 2.77 36.51 1,171.79 12,983.40 0.51 5.69 47.84 62.41

11 > 2,500 3,000 2,750 387 8,093 3.14 65.57 2,439.96 23,242.22 3.06 29.18 13 277 1.80 38.31 218.09 13,201.49 0.10 5.78 8.94 56.80

12 > 3,000 4,000 3,500 395 8,488 3.20 68.77 2,839.36 26,081.58 3.56 32.74 17 294 2.35 40.66 273.67 13,475.16 0.12 5.90 9.64 51.67

13 > 4,000 5,000 4,500 335 8,823 2.71 71.49 2,534.64 28,616.22 3.18 35.92 23 317 3.18 43.85 10,066.87 23,542.02 4.41 10.31 397.17 82.27

14 > 5,000 7,500 6,250 565 9,388 4.58 76.07 4,879.24 33,495.46 6.12 42.05 16 333 2.21 46.06 3,644.65 27,186.67 1.60 11.91 74.70 81.17

15 > 7,500 10,000 8,750 399 9,787 3.23 79.30 4,850.98 38,346.44 6.09 48.14 29 362 4.01 50.07 9,058.13 36,244.79 3.97 15.88 186.73 94.52

16 > 10,000 20,000 15,000 724 10,511 5.87 85.16 10,239.35 48,585.79 12.85 60.99 26 388 3.60 53.67 1,754.59 37,999.39 0.77 16.65 17.14 78.21

17 > 20,000 50,000 35,000 738 11,249 5.98 91.14 12,818.48 61,404.27 16.09 77.08 103 491 14.25 67.91 25,898.36 63,897.75 11.35 27.99 202.04 104.06

18 > 50,000 100,000 75,000 456 11,705 3.69 94.84 5,955.58 67,359.85 7.48 84.56 70 561 9.68 77.59 24,487.43 88,385.17 10.73 38.72 411.17 131.2118 > 50,000 100,000 75,000 456 11,705 3.69 94.84 5,955.58 67,359.85 7.48 84.56 70 561 9.68 77.59 24,487.43 88,385.17 10.73 38.72 411.17 131.21

19 > 100,000 500,000 300,000 458 12,163 3.71 98.55 7,313.21 74,673.06 9.18 93.74 94 655 13.00 90.59 104,672.18 193,057.35 45.85 84.57 1,431,28 258.54

20 > 500,000 179 12,342 1.45 100.00 4,989.83 79,662.89 6.26 100.00 68 723 9.41 100.00 35,218.50 228,275.85 15.43 100.00 705.81 286.55

T O T A L 12,342 79,662.89 723 228,275.85 286.55

Page 11 of 204



Wood, Bamboo and Rattan (Kayu, Bambu dan Rotan)


1 0 50 25 1,051 1,051 11.51 11.51 6,704.52 6,704.52 8.26 8.26 6 6 1.33 1.33 26.28 26.28 0.01 0.01 0.39 0.39

2 > 50 100 75 605 1,656 6.63 18.14 470.63 7,175.15 0.58 8.84 8 14 1.77 3.10 88.94 115.22 0.03 0.04 18.90 1.61

3 > 100 200 150 746 2,402 8.17 26.31 1,378.77 8,553.92 1.70 10.53 8 22 1.77 4.88 84.08 199.30 0.03 0.07 6.10 2.33

4 > 200 300 250 523 2,925 5.73 32.04 1,545.86 10,099.78 1.90 12.44 10 32 2.22 7.10 411.37 610.67 0.13 0.20 26.61 6.05

Mid PointsCLAIM FREQUENCY

PERCENTAGEPERCENTAGE PERCENTAGELOSS RATIO

RP f F

CLAIM SEVERITY (in million Rupiah)BAND

rp



f FPERCENTAGEPERCENTAGE

rp RP

5 > 300 500 400 649 3,574 7.11 39.15 2,120.36 12,220.14 2.61 15.05 54 86 11.97 19.07 1,738.49 2,349.16 0.57 0.77 81.99 19.22

6 > 500 750 625 505 4,079 5.53 44.68 1,642.51 13,862.65 2.02 17.07 10 96 2.22 21.29 494.22 2,843.38 0.16 0.93 30.09 20.51

7 > 750 1,000 875 440 4,519 4.82 49.50 2,014.28 15,876.93 2.48 19.55 12 108 2.66 23.95 807.71 3,651.09 0.26 1.19 40.10 23.00

8 > 1,000 1,500 1,250 554 5,073 6.07 55.57 2,966.79 18,843.72 3.65 23.21 6 114 1.33 25.28 104.88 3,755.97 0.03 1.23 3.54 19.93

9 > 1,500 2,000 1,750 396 5,469 4.34 59.91 2,583.08 21,426.80 3.18 26.39 4 118 0.89 26.16 601.08 4,357.05 0.20 1.42 23.27 20.33

10 > 2,000 2,500 2,250 271 5,740 2.97 62.88 2,005.77 23,432.57 2.47 28.86 3 121 0.67 26.83 265.86 4,622.92 0.09 1.51 13.25 19.73

11 > 2,500 3,000 2,750 198 5,938 2.17 65.05 2,700.69 26,133.26 3.33 32.18 2 123 0.44 27.27 9.00 4,631.92 0.00 1.51 0.33 17.72

12 > 3,000 4,000 3,500 341 6,279 3.74 68.78 3,283.02 29,416.28 4.04 36.23 14 137 3.10 30.38 1,105.55 5,737.47 0.36 1.88 33.67 19.50

13 > 4,000 5,000 4,500 202 6,481 2.21 70.99 2,689.31 32,105.59 3.31 39.54 12 149 2.66 33.04 4,436.90 10,174.37 1.45 3.33 164.98 31.69

14 > 5,000 7,500 6,250 373 6,854 4.09 75.08 5,758.86 37,864.45 7.09 46.63 24 173 5.32 38.36 6,593.93 16,768.30 2.16 5.48 114.50 44.29

15 > 7,500 10,000 8,750 319 7,173 3.49 78.57 5,405.52 43,269.97 6.66 53.29 12 185 2.66 41.02 947.41 17,715.71 0.31 5.79 17.53 40.94

16 > 10,000 20,000 15,000 569 7,742 6.23 84.81 11,874.16 55,144.12 14.62 67.91 46 231 10.20 51.22 14,129.66 31,845.36 4.62 10.41 119.00 57.75

17 > 20,000 50,000 35,000 693 8,435 7.59 92.40 14,175.94 69,320.06 17.46 85.37 56 287 12.42 63.64 85,862.32 117,707.68 28.07 38.48 605.69 169.8017 > 20,000 50,000 35,000 693 8,435 7.59 92.40 14,175.94 69,320.06 17.46 85.37 56 287 12.42 63.64 85,862.32 117,707.68 28.07 38.48 605.69 169.80

18 > 50,000 100,000 75,000 300 8,735 3.29 95.68 5,322.43 74,642.49 6.55 91.92 55 342 12.20 75.83 58,906.72 176,614.41 19.26 57.74 1,106,76 236.61

19 > 100,000 500,000 300,000 370 9,105 4.05 99.74 6,204.27 80,846.76 7.64 99.56 106 448 23.50 99.33 129,187.75 305,802.16 42.24 99.98 2,082,24 378.25

20 > 500,000 24 9,129 0.26 100.00 357.29 81,204.04 0.44 100.00 3 451 0.67 100.00 67.74 305,869.90 0.02 100.00 18.96 376.67

T O T A L 9,129 81,204.04 451 305,869.90 376.67

Page 12 of 204



Nutritional, Drinks and Tobacco (Makanan, Minuman dan Tembakau)


1 0 50 25 8,832 8,832 23.72 23.72 12,983.22 12,983.22 11.23 11.23 41 41 1.84 1.84 279.53 279.53 0.10 0.10 2.15 2.15

2 > 50 100 75 3,036 11,868 8.15 31.87 806.81 13,790.03 0.70 11.93 46 87 2.06 3.90 778.40 1,057.93 0.27 0.37 96.48 7.67

3 > 100 200 150 3,003 14,871 8.06 39.93 1,769.66 15,559.69 1.53 13.46 46 133 2.06 5.96 654.53 1,712.46 0.23 0.60 36.99 11.01

4 > 200 300 250 1,973 16,844 5.30 45.23 1,231.66 16,791.36 1.07 14.53 56 189 2.51 8.46 1,156.01 2,868.47 0.41 1.01 93.86 17.08


f FMid Points

SUM INSURED LOSS RATIO

f FPERCENTAGEPERCENTAGE PERCENTAGE

RPPERCENTAGE

rp RP


rp

4 > 200 300 250 1,973 16,844 5.30 45.23 1,231.66 16,791.36 1.07 14.53 56 189 2.51 8.46 1,156.01 2,868.47 0.41 1.01 93.86 17.08

5 > 300 500 400 2,375 19,219 6.38 51.61 2,496.17 19,287.53 2.16 16.69 219 408 9.81 18.27 4,942.65 7,811.12 1.74 2.75 198.01 40.50

6 > 500 750 625 1,617 20,836 4.34 55.95 2,343.95 21,631.47 2.03 18.71 96 504 4.30 22.57 2,948.14 10,759.25 1.04 3.79 125.78 49.74

7 > 750 1,000 875 1,191 22,027 3.20 59.15 1,972.44 23,603.92 1.71 20.42 29 533 1.30 23.87 2,427.34 13,186.60 0.85 4.64 123.06 55.87

8 > 1,000 1,500 1,250 1,445 23,472 3.88 63.03 3,131.70 26,735.62 2.71 23.13 99 632 4.43 28.30 2,825.00 16,011.60 0.99 5.64 90.21 59.89

9 > 1,500 2,000 1,750 983 24,455 2.64 65.67 2,626.61 29,362.23 2.27 25.40 35 667 1.57 29.87 684.94 16,696.54 0.24 5.88 26.08 56.86

10 > 2,000 2,500 2,250 725 25,180 1.95 67.62 2,034.84 31,397.07 1.76 27.16 21 688 0.94 30.81 4,611.65 21,308.19 1.62 7.50 226.63 67.87

11 > 2,500 3,000 2,750 646 25,826 1.73 69.35 2,193.50 33,590.57 1.90 29.06 35 723 1.57 32.38 2,741.29 24,049.48 0.97 8.47 124.97 71.60

12 > 3,000 4,000 3,500 1,045 26,871 2.81 72.16 4,381.79 37,972.36 3.79 32.85 55 778 2.46 34.84 1,333.15 25,382.63 0.47 8.94 30.42 66.85

13 > 4,000 5,000 4,500 690 27,561 1.85 74.01 3,353.12 41,325.48 2.90 35.75 47 825 2.10 36.95 549.77 25,932.40 0.19 9.13 16.40 62.75

14 > 5,000 7,500 6,250 1,299 28,860 3.49 77.50 6,224.85 47,550.33 5.39 41.14 135 960 6.05 42.99 12,379.37 38,311.77 4.36 13.49 198.87 80.57

15 > 7,500 10,000 8,750 792 29,652 2.13 79.62 5,508.19 53,058.52 4.77 45.90 67 1,027 3.00 45.99 2,028.38 40,340.15 0.71 14.21 36.82 76.03

16 > 10,000 20,000 15,000 1,984 31,636 5.33 84.95 22,367.41 75,425.93 19.35 65.25 354 1,381 15.85 61.85 28,887.44 69,227.59 10.17 24.38 129.15 91.78

17 > 20,000 50,000 35,000 2,327 33,963 6.25 91.20 18,771.37 94,197.30 16.24 81.49 250 1,631 11.20 73.04 114,812.65 184,040.24 40.43 64.81 611.64 195.3817 > 20,000 50,000 35,000 2,327 33,963 6.25 91.20 18,771.37 94,197.30 16.24 81.49 250 1,631 11.20 73.04 114,812.65 184,040.24 40.43 64.81 611.64 195.38

18 > 50,000 100,000 75,000 1,323 35,286 3.55 94.75 9,353.52 103,550.81 8.09 89.58 198 1,829 8.87 81.91 10,256.83 194,297.07 3.61 68.42 109.66 187.63

19 > 100,000 500,000 300,000 1,436 36,722 3.86 98.61 9,310.16 112,860.97 8.05 97.64 296 2,125 13.26 95.16 85,534.92 279,831.99 30.12 98.55 918.73 247.94

20 > 500,000 518 37,240 1.39 100.00 2,730.34 115,591.31 2.36 100.00 108 2,233 4.84 100.00 4,127.72 283,959.71 1.45 100.00 151.18 245.66

T O T A L 37,240 115,591.31 2,233 283,959.71 245.66

Page 13 of 204



Power and Heating (Pembangkit Tenaga dan Pemanas)


1 0 50 25 122 122 11.23 11.23 992.16 992.16 10.80 10.80 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 12 134 1.10 12.34 37.67 1,029.83 0.41 11.21 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 15 149 1.38 13.72 3.12 1,032.95 0.03 11.24 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 9 158 0.83 14.55 3.34 1,036.29 0.04 11.28 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

FMid Points

LOSS RATIO

f FPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGE

RP rp RP


rp



f

4 > 200 300 250 9 158 0.83 14.55 3.34 1,036.29 0.04 11.28 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 17 175 1.57 16.11 10.90 1,047.19 0.12 11.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 44 219 4.05 20.17 24.08 1,071.28 0.26 11.66 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 108 327 9.94 30.11 87.87 1,159.14 0.96 12.61 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 76 403 7.00 37.11 71.48 1,230.62 0.78 13.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 29 432 2.67 39.78 26.56 1,257.19 0.29 13.68 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 14 446 1.29 41.07 20.00 1,277.19 0.22 13.90 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 11 457 1.01 42.08 25.29 1,302.48 0.28 14.17 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 > 3,000 4,000 3,500 28 485 2.58 44.66 74.62 1,377.10 0.81 14.98 4 4 3.67 3.67 82.44 82.44 0.02 0.02 110.47 5.99

13 > 4,000 5,000 4,500 7 492 0.64 45.30 19.22 1,396.33 0.21 15.19 0 4 0.00 3.67 0.00 82.44 0.00 0.02 0.00 5.90

14 > 5,000 7,500 6,250 30 522 2.76 48.07 147.56 1,543.88 1.61 16.80 6 10 5.50 9.17 369.04 451.48 0.09 0.12 250.10 29.24

15 > 7,500 10,000 8,750 44 566 4.05 52.12 372.05 1,915.93 4.05 20.85 10 20 9.17 18.35 591.87 1,043.35 0.15 0.27 159.08 54.46

16 > 10,000 20,000 15,000 63 629 5.80 57.92 611.95 2,527.88 6.66 27.51 0 20 0.00 18.35 0.00 1,043.35 0.00 0.27 0.00 41.27

17 > 20,000 50,000 35,000 81 710 7.46 65.38 1,543.60 4,071.48 16.80 44.30 18 38 16.51 34.86 81,910.87 82,954.22 21.05 21.31 5,306,48 2,037,44 17 > 20,000 50,000 35,000 81 710 7.46 65.38 1,543.60 4,071.48 16.80 44.30 18 38 16.51 34.86 81,910.87 82,954.22 21.05 21.31 5,306,48 2,037,44

18 > 50,000 100,000 75,000 39 749 3.59 68.97 431.26 4,502.75 4.69 49.00 8 46 7.34 42.20 4,116.07 87,070.29 1.06 22.37 954.42 1,933,71

19 > 100,000 500,000 300,000 137 886 12.62 81.58 2,187.21 6,689.95 23.80 72.80 34 80 31.19 73.39 92,751.37 179,821.66 23.83 46.20 4,240,63 2,687,94

20 > 500,000 200 1,086 18.42 100.00 2,500.04 9,189.99 27.20 100.00 29 109 26.61 100.00 209,388.49 389,210.15 53.80 100.00 8,375,41 4,235,15

T O T A L 1,086 9,189.99 109 389,210.15 4,235,15

Page 14 of 204



Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotels, Entertainment, Sports and Services, The Caring Services, Motor Vehicle Repair Shops, Private Buildings, Property of Public Bodies (Transportasi dan Lalu lintas, Perusahaan Konstruksi, Komunikasi Masa Perdagangan dan Penyimpanan, Sarana Olah Raga- Hotel dan Pusat Hiburan, Pelayanan Perawatan, Tempat Reparasi Kendaraan Bermotor, Bangunan Pribadi, Bangunan Umum)

From To BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.F

Mid PointsLOSS RATIO



PERCENTAGE PERCENTAGERP rp RP


rp



fFrom To BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM.

1 0 50 25 179,641 179,641 16.38 16.38 76,589.57 76,589.57 5.96 5.96 384 384 3.04 3.04 2,873.24 2,873.24 0.18 0.18 3.75 3.75

2 > 50 100 75 155,818 335,459 14.20 30.58 32,560.58 109,150.15 2.53 8.50 426 810 3.38 6.42 6,783.93 9,657.17 0.42 0.60 20.83 8.85

3 > 100 200 150 205,768 541,227 18.76 49.34 74,221.74 183,371.89 5.78 14.27 988 1,798 7.83 14.25 20,390.69 30,047.86 1.27 1.87 27.47 16.39

4 > 200 300 250 130,281 671,508 11.88 61.21 72,752.33 256,124.22 5.66 19.94 685 2,483 5.43 19.68 22,338.01 52,385.87 1.39 3.26 30.70 20.45

5 > 300 500 400 147,620 819,128 13.46 74.67 127,854.83 383,979.06 9.95 29.89 1,749 4,232 13.87 33.55 59,778.95 112,164.82 3.72 6.98 46.76 29.21

6 > 500 750 625 77,152 896,280 7.03 81.70 95,652.33 479,631.39 7.45 37.33 623 4,855 4.94 38.49 44,208.29 156,373.10 2.75 9.73 46.22 32.60

7 > 750 1,000 875 55,976 952,256 5.10 86.81 97,346.11 576,977.50 7.58 44.91 623 5,478 4.94 43.43 45,535.49 201,908.60 2.83 12.57 46.78 34.99

8 > 1,000 1,500 1,250 43,781 996,037 3.99 90.80 95,540.24 672,517.74 7.44 52.35 612 6,090 4.85 48.28 31,062.66 232,971.26 1.93 14.50 32.51 34.64

9 > 1,500 2,000 1,750 24,011 1,020,048 2.19 92.99 68,916.58 741,434.32 5.36 57.71 499 6,589 3.96 52.24 41,460.95 274,432.21 2.58 17.08 60.16 37.01

10 > 2,000 2,500 2,250 12,932 1,032,980 1.18 94.16 45,831.36 787,265.68 3.57 61.28 308 6,897 2.44 54.68 37,187.16 311,619.37 2.31 19.40 81.14 39.58

11 > 2,500 3,000 2,750 9,976 1,042,956 0.91 95.07 43,428.45 830,694.13 3.38 64.66 285 7,182 2.26 56.94 20,487.88 332,107.25 1.28 20.67 47.18 39.98

12 > 3,000 4,000 3,500 11,631 1,054,587 1.06 96.13 51,928.19 882,622.32 4.04 68.70 338 7,520 2.68 59.62 30,633.60 362,740.85 1.91 22.58 58.99 41.10

13 > 4,000 5,000 4,500 7,532 1,062,119 0.69 96.82 40,901.84 923,524.16 3.18 71.88 278 7,798 2.20 61.82 45,468.41 408,209.26 2.83 25.41 111.16 44.20

14 > 5,000 7,500 6,250 9,109 1,071,228 0.83 97.65 57,200.17 980,724.32 4.45 76.34 396 8,194 3.14 64.96 53,468.12 461,677.38 3.33 28.74 93.48 47.08

15 > 7,500 10,000 8,750 5,460 1,076,688 0.50 98.15 41,016.75 1,021,741.08 3.19 79.53 442 8,636 3.50 68.46 38,019.94 499,697.32 2.37 31.11 92.69 48.91

16 > 10,000 20,000 15,000 7,970 1,084,658 0.73 98.88 78,792.75 1,100,533.82 6.13 85.66 470 9,106 3.73 72.19 56,730.77 556,428.09 3.53 34.64 72.00 50.56

17 > 20,000 50,000 35,000 6,099 1,090,757 0.56 99.43 66,182.41 1,166,716.23 5.15 90.81 806 9,912 6.39 78.58 178,046.00 734,474.09 11.08 45.72 269.02 62.95

18 > 50,000 100,000 75,000 2,606 1,093,363 0.24 99.67 34,619.64 1,201,335.87 2.69 93.51 438 10,350 3.47 82.05 40,980.42 775,454.52 2.55 48.27 118.37 64.55

19 > 100,000 500,000 300,000 2,835 1,096,198 0.26 99.93 49,710.65 1,251,046.53 3.87 97.38 1,031 11,381 8.17 90.23 578,715.98 1,354,170.50 36.02 84.30 1,164,17 108.24

20 > 500,000 800 1,096,998 0.07 100.00 33,685.24 1,284,731.77 2.62 100.00 1,233 12,614 9.77 100.00 252,283.82 1,606,454.32 15.70 100.00 748.94 125.04

T O T A L 1,096,998 1,284,731.77 12,614 1,606,454.32 125.04

Page 15 of 204



Estate Plantation Risk (Perkebunan)


1 0 50 25 84 84 14.89 14.89 22.06 22.06 0.72 0.72 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 29 113 5.14 20.04 15.15 37.22 0.50 1.22 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 35 148 6.21 26.24 32.85 70.06 1.08 2.30 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 23 171 4.08 30.32 46.87 116.94 1.54 3.84 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 32 203 5.67 35.99 179.42 296.35 5.89 9.73 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

LOSS RATIO

FPERCENTAGEBAND

rp


NUMBER OF POLICIES



RP fPERCENTAGE

rp RP

5 > 300 500 400 32 203 5.67 35.99 179.42 296.35 5.89 9.73 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 50 253 8.87 44.86 120.24 416.59 3.95 13.68 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 35 288 6.21 51.06 62.02 478.62 2.04 15.71 5 5 11.63 11.63 32.88 32.88 1.58 1.58 53.02 6.87

8 > 1,000 1,500 1,250 29 317 5.14 56.21 94.33 572.95 3.10 18.81 0 5 0.00 11.63 0.00 32.88 0.00 1.58 0.00 5.74

9 > 1,500 2,000 1,750 29 346 5.14 61.35 121.89 694.84 4.00 22.81 2 7 4.65 16.28 3.42 36.31 0.16 1.74 2.81 5.22

10 > 2,000 2,500 2,250 32 378 5.67 67.02 142.34 837.19 4.67 27.49 6 13 13.95 30.23 96.04 132.35 4.60 6.34 67.47 15.81

11 > 2,500 3,000 2,750 11 389 1.95 68.97 66.59 903.77 2.19 29.67 2 15 4.65 34.88 2.47 134.82 0.12 6.46 3.71 14.92

12 > 3,000 4,000 3,500 42 431 7.45 76.42 243.34 1,147.11 7.99 37.66 10 25 23.26 58.14 1,799.79 1,934.61 86.27 92.73 739.63 168.65

13 > 4,000 5,000 4,500 18 449 3.19 79.61 119.94 1,267.05 3.94 41.60 2 27 4.65 62.79 5.39 1,940.00 0.26 92.99 4.49 153.11

14 > 5,000 7,500 6,250 32 481 5.67 85.28 234.75 1,501.79 7.71 49.31 2 29 4.65 67.44 6.47 1,946.47 0.31 93.30 2.76 129.61

15 > 7,500 10,000 8,750 15 496 2.66 87.94 63.85 1,565.64 2.10 51.40 6 35 13.95 81.40 64.69 2,011.15 3.10 96.40 101.31 128.46

16 > 10,000 20,000 15,000 44 540 7.80 95.74 443.33 2,008.97 14.56 65.96 6 41 13.95 95.35 73.41 2,084.56 3.52 99.91 16.56 103.76

17 > 20,000 50,000 35,000 17 557 3.01 98.76 572.84 2,581.81 18.81 84.77 2 43 4.65 100.00 1.78 2,086.34 0.09 100.00 0.31 80.81

18 > 50,000 100,000 75,000 2 559 0.35 99.11 0.00 2,581.81 0.00 84.77 0 43 0.00 100.00 0.00 2,086.34 0.00 100.00 0.00 80.8118 > 50,000 100,000 75,000 2 559 0.35 99.11 0.00 2,581.81 0.00 84.77 0 43 0.00 100.00 0.00 2,086.34 0.00 100.00 0.00 80.81

19 > 100,000 500,000 300,000 5 564 0.89 100.00 463.95 3,045.76 15.23 100.00 0 43 0.00 100.00 0.00 2,086.34 0.00 100.00 0.00 68.50

20 > 500,000 0 564 0.00 100.00 0.00 3,045.76 0.00 100.00 0 43 0.00 100.00 0.00 2,086.34 0.00 100.00 0.00 68.50

T O T A L 564 3,045.76 43 2,086.34 68.50

Page 16 of 204





1 0 50 25 66 66 5.05 5.05 203.34 203.34 1.24 1.24 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 40 106 3.06 8.12 34.81 238.14 0.21 1.45 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 55 161 4.21 12.33 41.54 279.68 0.25 1.71 20 20 15.27 15.27 163.93 163.93 2.04 2.04 394.66 58.61

4 > 200 300 250 54 215 4.13 16.46 111.10 390.78 0.68 2.39 0 20 0.00 15.27 0.00 163.93 0.00 2.04 0.00 41.95

5 > 300 500 400 90 305 6.89 23.35 51.57 442.34 0.32 2.70 0 20 0.00 15.27 0.00 163.93 0.00 2.04 0.00 37.06

LOSS RATIO

FPERCENTAGEBAND

rp


NUMBER OF POLICIES

fPERCENTAGE

rp RP

ORIGINAL PREMIUM (in million Rupiah)Mid Points


CLAIM FREQUENCYPERCENTAGE

RP f

5 > 300 500 400 90 305 6.89 23.35 51.57 442.34 0.32 2.70 0 20 0.00 15.27 0.00 163.93 0.00 2.04 0.00 37.06

6 > 500 750 625 54 359 4.13 27.49 54.49 496.84 0.33 3.04 0 20 0.00 15.27 0.00 163.93 0.00 2.04 0.00 32.99

7 > 750 1,000 875 44 403 3.37 30.86 45.13 541.97 0.28 3.31 0 20 0.00 15.27 0.00 163.93 0.00 2.04 0.00 30.25

8 > 1,000 1,500 1,250 45 448 3.45 34.30 136.06 678.03 0.83 4.14 0 20 0.00 15.27 0.00 163.93 0.00 2.04 0.00 24.18

9 > 1,500 2,000 1,750 40 488 3.06 37.37 127.08 805.11 0.78 4.92 0 20 0.00 15.27 0.00 163.93 0.00 2.04 0.00 20.36

10 > 2,000 2,500 2,250 24 512 1.84 39.20 503.51 1,308.62 3.08 8.00 12 32 9.16 24.43 281.09 445.01 3.49 5.53 55.83 34.01

11 > 2,500 3,000 2,750 24 536 1.84 41.04 143.71 1,452.33 0.88 8.87 0 32 0.00 24.43 0.00 445.01 0.00 5.53 0.00 30.64

12 > 3,000 4,000 3,500 81 617 6.20 47.24 550.62 2,002.95 3.36 12.24 20 52 15.27 39.69 1,215.34 1,660.36 15.09 20.62 220.72 82.90

13 > 4,000 5,000 4,500 46 663 3.52 50.77 288.94 2,291.89 1.77 14.00 8 60 6.11 45.80 68.25 1,728.60 0.85 21.47 23.62 75.42

14 > 5,000 7,500 6,250 76 739 5.82 56.58 348.44 2,640.33 2.13 16.13 8 68 6.11 51.91 564.61 2,293.21 7.01 28.48 162.04 86.85

15 > 7,500 10,000 8,750 53 792 4.06 60.64 512.10 3,152.44 3.13 19.26 19 87 14.50 66.41 827.60 3,120.81 10.28 38.75 161.61 99.00

16 > 10,000 20,000 15,000 101 893 7.73 68.38 933.09 4,085.53 5.70 24.96 4 91 3.05 69.47 40.02 3,160.83 0.50 39.25 4.29 77.37

17 > 20,000 50,000 35,000 155 1,048 11.87 80.25 2,954.26 7,039.79 18.05 43.01 23 114 17.56 87.02 1,117.98 4,278.81 13.88 53.13 37.84 60.78

18 > 50,000 100,000 75,000 139 1,187 10.64 90.89 1,825.99 8,865.78 11.16 54.17 9 123 6.87 93.89 3,571.34 7,850.15 44.35 97.48 195.58 88.5418 > 50,000 100,000 75,000 139 1,187 10.64 90.89 1,825.99 8,865.78 11.16 54.17 9 123 6.87 93.89 3,571.34 7,850.15 44.35 97.48 195.58 88.54

19 > 100,000 500,000 300,000 93 1,280 7.12 98.01 803.26 9,669.04 4.91 59.08 8 131 6.11 100.00 202.67 8,052.82 2.52 100.00 25.23 83.28

20 > 500,000 26 1,306 1.99 100.00 6,698.13 16,367.17 40.92 100.00 0 131 0.00 100.00 0.00 8,052.82 0.00 100.00 0.00 49.20

T O T A L 1,306 16,367.17 131 8,052.82 49.20

Page 17 of 204



Recreation Place (Tempat rekreasi/liburan)


1 0 50 25 15 15 7.54 7.54 (5,36) (5,36) (0,11) (0,11) 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 25 40 12.56 20.10 54.22 48.86 1.11 1.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 11 51 5.53 25.63 19.01 67.87 0.39 1.39 10 10 21.28 21.28 119.93 119.93 1.84 1.84 631.00 176.72

4 > 200 300 250 2 53 1.01 26.63 1.74 69.61 0.04 1.43 2 12 4.26 25.53 9.96 129.89 0.15 2.00 572.08 186.61

5 > 300 500 400 13 66 6.53 33.17 11.26 80.87 0.23 1.66 3 15 6.38 31.91 176.46 306.35 2.71 4.71 1,566,67 378.82

f(in million)

NUMBER OF POLICIES


LOSS RATIO

FPERCENTAGEPERCENTAGE

rp RPBAND

rp

SUM INSURED CLAIM SEVERITY (in million Rupiah)ORIGINAL PREMIUM (in million Rupiah) CLAIM FREQUENCYPERCENTAGE

RP

5 > 300 500 400 13 66 6.53 33.17 11.26 80.87 0.23 1.66 3 15 6.38 31.91 176.46 306.35 2.71 4.71 1,566,67 378.82

6 > 500 750 625 1 67 0.50 33.67 5.27 86.14 0.11 1.77 0 15 0.00 31.91 0.00 306.35 0.00 4.71 0.00 355.63

7 > 750 1,000 875 2 69 1.01 34.67 3.97 90.11 0.08 1.85 0 15 0.00 31.91 0.00 306.35 0.00 4.71 0.00 339.96

8 > 1,000 1,500 1,250 16 85 8.04 42.71 60.63 150.75 1.24 3.09 0 15 0.00 31.91 0.00 306.35 0.00 4.71 0.00 203.22

9 > 1,500 2,000 1,750 1 86 0.50 43.22 3.60 154.35 0.07 3.17 2 17 4.26 36.17 2,010.43 2,316.78 30.89 35.60 55,802,13 1,501,00

10 > 2,000 2,500 2,250 10 96 5.03 48.24 70.87 225.22 1.45 4.62 0 17 0.00 36.17 0.00 2,316.78 0.00 35.60 0.00 1,028,69

11 > 2,500 3,000 2,750 1 97 0.50 48.74 15.27 240.49 0.31 4.94 0 17 0.00 36.17 0.00 2,316.78 0.00 35.60 0.00 963.37

12 > 3,000 4,000 3,500 1 98 0.50 49.25 22.58 263.07 0.46 5.40 0 17 0.00 36.17 0.00 2,316.78 0.00 35.60 0.00 880.68

13 > 4,000 5,000 4,500 1 99 0.50 49.75 15.27 278.34 0.31 5.71 0 17 0.00 36.17 0.00 2,316.78 0.00 35.60 0.00 832.36

14 > 5,000 7,500 6,250 28 127 14.07 63.82 467.36 745.69 9.59 15.31 10 27 21.28 57.45 2,968.10 5,284.88 45.61 81.21 635.08 708.72

15 > 7,500 10,000 8,750 3 130 1.51 65.33 60.33 806.02 1.24 16.55 0 27 0.00 57.45 0.00 5,284.88 0.00 81.21 0.00 655.68

16 > 10,000 20,000 15,000 39 169 19.60 84.92 664.50 1,470.53 13.64 30.19 2 29 4.26 61.70 959.24 6,244.12 14.74 95.96 144.35 424.62

17 > 20,000 50,000 35,000 13 182 6.53 91.46 529.75 2,000.27 10.88 41.06 14 43 29.79 91.49 197.49 6,441.61 3.03 98.99 37.28 322.04

18 > 50,000 100,000 75,000 8 190 4.02 95.48 511.08 2,511.36 10.49 51.56 4 47 8.51 100.00 65.73 6,507.34 1.01 100.00 12.86 259.1218 > 50,000 100,000 75,000 8 190 4.02 95.48 511.08 2,511.36 10.49 51.56 4 47 8.51 100.00 65.73 6,507.34 1.01 100.00 12.86 259.12

19 > 100,000 500,000 300,000 8 198 4.02 99.50 2,358.61 4,869.96 48.42 99.98 0 47 0.00 100.00 0.00 6,507.34 0.00 100.00 0.00 133.62

20 > 500,000 1 199 0.50 100.00 1.12 4,871.08 0.02 100.00 0 47 0.00 100.00 0.00 6,507.34 0.00 100.00 0.00 133.59

T O T A L 199 4,871.08 47 6,507.34 133.59

Page 18 of 204



Non Estate Plantation Risk (Perkebunan)


1 0 50 25 1,370 1,370 44.90 44.90 1,362.55 1,362.55 16.45 16.45 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 521 1,891 17.08 61.98 168.44 1,531.00 2.03 18.49 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 621 2,512 20.35 82.33 288.72 1,819.71 3.49 21.98 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 29 2,541 0.95 83.28 27.20 1,846.91 0.33 22.30 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 54 2,595 1.77 85.05 70.53 1,917.44 0.85 23.16 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

RP fPERCENTAGE

ORIGINAL PREMIUM (in million Rupiah)NUMBER OF POLICIES

f F

LOSS RATIO


rp RPBAND

rp

SUM INSURED CLAIM SEVERITY (in million Rupiah)(in million) Mid Points PERCENTAGE


5 > 300 500 400 54 2,595 1.77 85.05 70.53 1,917.44 0.85 23.16 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 25 2,620 0.82 85.87 47.86 1,965.30 0.58 23.73 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 21 2,641 0.69 86.56 61.53 2,026.84 0.74 24.48 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 19 2,660 0.62 87.18 60.45 2,087.29 0.73 25.21 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 20 2,680 0.66 87.84 83.99 2,171.28 1.01 26.22 2 2 5.41 5.41 22.83 22.83 0.33 0.33 27.18 1.05

10 > 2,000 2,500 2,250 17 2,697 0.56 88.40 57.52 2,228.80 0.69 26.92 0 2 0.00 5.41 0.00 22.83 0.00 0.33 0.00 1.02

11 > 2,500 3,000 2,750 15 2,712 0.49 88.89 90.00 2,318.80 1.09 28.00 0 2 0.00 5.41 0.00 22.83 0.00 0.33 0.00 0.98

12 > 3,000 4,000 3,500 11 2,723 0.36 89.25 56.30 2,375.10 0.68 28.68 0 2 0.00 5.41 0.00 22.83 0.00 0.33 0.00 0.96

13 > 4,000 5,000 4,500 17 2,740 0.56 89.81 230.95 2,606.05 2.79 31.47 0 2 0.00 5.41 0.00 22.83 0.00 0.33 0.00 0.88

14 > 5,000 7,500 6,250 33 2,773 1.08 90.89 335.39 2,941.44 4.05 35.52 0 2 0.00 5.41 0.00 22.83 0.00 0.33 0.00 0.78

15 > 7,500 10,000 8,750 18 2,791 0.59 91.48 205.41 3,146.85 2.48 38.00 0 2 0.00 5.41 0.00 22.83 0.00 0.33 0.00 0.73

16 > 10,000 20,000 15,000 94 2,885 3.08 94.56 1,587.68 4,734.53 19.17 57.18 4 6 10.81 16.22 4,766.91 4,789.73 68.41 68.74 300.24 101.17

17 > 20,000 50,000 35,000 110 2,995 3.61 98.16 2,689.84 7,424.37 32.48 89.66 17 23 45.95 62.16 1,784.56 6,574.29 25.61 94.35 66.34 88.55

18 > 50,000 100,000 75,000 36 3,031 1.18 99.34 342.45 7,766.82 4.14 93.80 14 37 37.84 100.00 393.54 6,967.83 5.65 100.00 114.92 89.7118 > 50,000 100,000 75,000 36 3,031 1.18 99.34 342.45 7,766.82 4.14 93.80 14 37 37.84 100.00 393.54 6,967.83 5.65 100.00 114.92 89.71

19 > 100,000 500,000 300,000 20 3,051 0.66 100.00 513.79 8,280.61 6.20 100.00 0 37 0.00 100.00 0.00 6,967.83 0.00 100.00 0.00 84.15

20 > 500,000 0 3,051 0.00 100.00 0.00 8,280.61 0.00 100.00 0 37 0.00 100.00 0.00 6,967.83 0.00 100.00 0.00 84.15

T O T A L 3,051 8,280.61 37 6,967.83 84.15

Page 19 of 204


CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009

RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 01 - NANGGROE ACEH DARUSSALAM PROCESSING DATE : 15/09/2013


1 0 50 25 2,101 2,101 18.30 18.30 521.28 521.28 3.17 3.17 4 4 6.90 6.90 15.08 15.08 0.68 0.68 2.89 2.89

2 > 50 100 75 1,989 4,090 17.32 35.62 663.23 1,184.52 4.04 7.21 8 12 13.79 20.69 271.98 287.05 12.34 13.02 41.01 24.23

3 > 100 200 150 2,576 6,666 22.44 58.06 1,591.20 2,775.72 9.69 16.90 16 28 27.59 48.28 368.51 655.56 16.71 29.74 23.16 23.62

4 > 200 300 250 1,581 8,247 13.77 71.83 1,527.04 4,302.76 9.30 26.20 6 34 10.34 58.62 194.67 850.23 8.83 38.57 12.75 19.76

5 > 300 500 400 1,452 9,699 12.65 84.47 1,980.49 6,283.24 12.06 38.26 5 39 8.62 67.24 305.21 1,155.44 13.84 52.41 15.41 18.39

6 > 500 750 625 503 10,202 4.38 88.85 1,123.91 7,407.16 6.84 45.10 2 41 3.45 70.69 94.01 1,249.45 4.26 56.67 8.36 16.87

7 > 750 1,000 875 419 10,621 3.65 92.50 1,142.76 8,549.91 6.96 52.06 9 50 15.52 86.21 94.26 1,343.71 4.28 60.95 8.25 15.72

8 > 1,000 1,500 1,250 274 10,895 2.39 94.89 996.72 9,546.63 6.07 58.13 3 53 5.17 91.38 712.24 2,055.95 32.31 93.25 71.46 21.54

BANDrp


NUMBER OF POLICIES



LOSS RATIO


rp RP

8 > 1,000 1,500 1,250 274 10,895 2.39 94.89 996.72 9,546.63 6.07 58.13 3 53 5.17 91.38 712.24 2,055.95 32.31 93.25 71.46 21.54

9 > 1,500 2,000 1,750 155 11,050 1.35 96.24 605.09 10,151.72 3.68 61.82 0 53 0.00 91.38 0.00 2,055.95 0.00 93.25 0.00 20.25

10 > 2,000 2,500 2,250 52 11,102 0.45 96.69 250.79 10,402.51 1.53 63.34 0 53 0.00 91.38 0.00 2,055.95 0.00 93.25 0.00 19.76

11 > 2,500 3,000 2,750 40 11,142 0.35 97.04 272.63 10,675.14 1.66 65.00 0 53 0.00 91.38 0.00 2,055.95 0.00 93.25 0.00 19.26

12 > 3,000 4,000 3,500 65 11,207 0.57 97.60 355.93 11,031.07 2.17 67.17 0 53 0.00 91.38 0.00 2,055.95 0.00 93.25 0.00 18.64

13 > 4,000 5,000 4,500 29 11,236 0.25 97.86 181.85 11,212.93 1.11 68.28 0 53 0.00 91.38 0.00 2,055.95 0.00 93.25 0.00 18.34

14 > 5,000 7,500 6,250 46 11,282 0.40 98.26 393.26 11,606.19 2.39 70.67 0 53 0.00 91.38 0.00 2,055.95 0.00 93.25 0.00 17.71

15 > 7,500 10,000 8,750 20 11,302 0.17 98.43 239.08 11,845.27 1.46 72.13 0 53 0.00 91.38 0.00 2,055.95 0.00 93.25 0.00 17.36

16 > 10,000 20,000 15,000 43 11,345 0.37 98.81 721.75 12,567.02 4.39 76.52 0 53 0.00 91.38 0.00 2,055.95 0.00 93.25 0.00 16.36

17 > 20,000 50,000 35,000 48 11,393 0.42 99.22 958.30 13,525.32 5.84 82.36 2 55 3.45 94.83 77.64 2,133.59 3.52 96.78 8.10 15.77

18 > 50,000 100,000 75,000 34 11,427 0.30 99.52 782.56 14,307.88 4.77 87.12 0 55 0.00 94.83 0.00 2,133.59 0.00 96.78 0.00 14.91

19 > 100,000 500,000 300,000 20 11,447 0.17 99.70 234.62 14,542.50 1.43 88.55 0 55 0.00 94.83 0.00 2,133.59 0.00 96.78 0.00 14.67

20 > 500,000 35 11,482 0.30 100.00 1,880.21 16,422.71 11.45 100.00 3 58 5.17 100.00 71.09 2,204.67 3.22 100.00 3.78 13.42

T O T A L 11,482 16,422.71 58 2,204.67 13.42T O T A L 11,482 16,422.71 58 2,204.67 13.42

Page 20 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 02 - SUMATERA UTARA PROCESSING DATE : 15/09/2013


1 0 50 25 19,594 19,594 20.50 20.50 6,828.67 6,828.67 5.77 5.77 17 17 1.85 1.85 108.09 108.09 0.13 0.13 1.58 1.58

2 > 50 100 75 13,726 33,320 14.36 34.87 2,491.99 9,320.65 2.11 7.88 20 37 2.18 4.03 343.79 451.88 0.42 0.55 13.80 4.85

3 > 100 200 150 17,828 51,148 18.65 53.52 5,693.77 15,014.42 4.81 12.69 64 101 6.97 11.00 1,329.97 1,781.85 1.63 2.19 23.36 11.87

4 > 200 300 250 11,820 62,968 12.37 65.89 6,398.30 21,412.73 5.41 18.10 44 145 4.79 15.80 1,676.72 3,458.56 2.06 4.24 26.21 16.15

5 > 300 500 400 11,882 74,850 12.43 78.32 10,454.63 31,867.36 8.84 26.94 109 254 11.87 27.67 4,475.61 7,934.18 5.49 9.74 42.81 24.90

6 > 500 750 625 5,419 80,269 5.67 83.99 6,933.58 38,800.93 5.86 32.80 40 294 4.36 32.03 1,939.87 9,874.05 2.38 12.12 27.98 25.45

7 > 750 1,000 875 3,939 84,208 4.12 88.11 7,467.06 46,267.99 6.31 39.11 55 349 5.99 38.02 2,962.30 12,836.34 3.64 15.75 39.67 27.74

BANDrp


NUMBER OF POLICIES



LOSS RATIO


rp RP

7 > 750 1,000 875 3,939 84,208 4.12 88.11 7,467.06 46,267.99 6.31 39.11 55 349 5.99 38.02 2,962.30 12,836.34 3.64 15.75 39.67 27.74

8 > 1,000 1,500 1,250 2,796 87,004 2.93 91.04 6,799.72 53,067.71 5.75 44.86 33 382 3.59 41.61 1,511.35 14,347.70 1.85 17.61 22.23 27.04

9 > 1,500 2,000 1,750 1,575 88,579 1.65 92.69 5,158.45 58,226.16 4.36 49.22 39 421 4.25 45.86 1,500.88 15,848.58 1.84 19.45 29.10 27.22

10 > 2,000 2,500 2,250 853 89,432 0.89 93.58 3,342.67 61,568.83 2.83 52.04 35 456 3.81 49.67 4,740.63 20,589.21 5.82 25.27 141.82 33.44

11 > 2,500 3,000 2,750 732 90,164 0.77 94.35 3,501.89 65,070.72 2.96 55.00 17 473 1.85 51.53 845.36 21,434.57 1.04 26.31 24.14 32.94

12 > 3,000 4,000 3,500 940 91,104 0.98 95.33 4,903.74 69,974.46 4.15 59.15 39 512 4.25 55.77 1,640.21 23,074.78 2.01 28.32 33.45 32.98

13 > 4,000 5,000 4,500 618 91,722 0.65 95.98 3,976.42 73,950.89 3.36 62.51 28 540 3.05 58.82 386.92 23,461.69 0.47 28.79 9.73 31.73

14 > 5,000 7,500 6,250 766 92,488 0.80 96.78 6,123.55 80,074.43 5.18 67.69 29 569 3.16 61.98 1,736.64 25,198.33 2.13 30.93 28.36 31.47

15 > 7,500 10,000 8,750 460 92,948 0.48 97.26 4,475.50 84,549.93 3.78 71.47 20 589 2.18 64.16 413.67 25,612.00 0.51 31.43 9.24 30.29

16 > 10,000 20,000 15,000 810 93,758 0.85 98.11 10,276.50 94,826.43 8.69 80.16 59 648 6.43 70.59 1,748.54 27,360.54 2.15 33.58 17.01 28.85

17 > 20,000 50,000 35,000 930 94,688 0.97 99.08 12,939.00 107,765.42 10.94 91.09 80 728 8.71 79.30 35,389.24 62,749.78 43.43 77.01 273.51 58.23

18 > 50,000 100,000 75,000 412 95,100 0.43 99.51 4,519.66 112,285.09 3.82 94.91 59 787 6.43 85.73 3,446.83 66,196.61 4.23 81.24 76.26 58.95

19 > 100,000 500,000 300,000 384 95,484 0.40 99.91 5,158.15 117,443.23 4.36 99.27 127 914 13.83 99.56 15,116.17 81,312.78 18.55 99.79 293.05 69.24

20 > 500,000 83 95,567 0.09 100.00 858.78 118,302.02 0.73 100.00 4 918 0.44 100.00 168.50 81,481.28 0.21 100.00 19.62 68.8820 > 500,000 83 95,567 0.09 100.00 858.78 118,302.02 0.73 100.00 4 918 0.44 100.00 168.50 81,481.28 0.21 100.00 19.62 68.88

T O T A L 95,567 118,302.02 918 81,481.28 68.88

Page 21 of 204


RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 03 - SUMATERA BARAT PROCESSING DATE : 15/09/2013


1 0 50 25 4,896 4,896 13.64 13.64 2,130.48 2,130.48 6.18 6.18 64 64 2.54 2.54 368.21 368.21 0.06 0.06 17.28 17.28

2 > 50 100 75 5,859 10,755 16.33 29.97 1,035.02 3,165.50 3.00 9.18 106 170 4.21 6.76 1,047.25 1,415.46 0.16 0.22 101.18 44.72

3 > 100 200 150 8,802 19,557 24.53 54.50 2,548.74 5,714.23 7.39 16.57 325 495 12.92 19.67 4,834.99 6,250.45 0.74 0.96 189.70 109.38

4 > 200 300 250 5,448 25,005 15.18 69.68 2,337.01 8,051.24 6.78 23.35 231 726 9.18 28.86 5,431.56 11,682.01 0.83 1.79 232.42 145.10

5 > 300 500 400 4,678 29,683 13.04 82.71 3,929.42 11,980.66 11.39 34.74 393 1,119 15.62 44.48 21,173.39 32,855.40 3.24 5.03 538.84 274.24

PERCENTAGECLAIM FREQUENCYNUMBER OF POLICIES


LOSS RATIO


ORIGINAL PREMIUM (in million Rupiah)PERCENTAGEPERCENTAGE

rp RPRP f FPERCENTAGEBAND

rp


5 > 300 500 400 4,678 29,683 13.04 82.71 3,929.42 11,980.66 11.39 34.74 393 1,119 15.62 44.48 21,173.39 32,855.40 3.24 5.03 538.84 274.24

6 > 500 750 625 1,730 31,413 4.82 87.53 2,467.27 14,447.94 7.15 41.89 221 1,340 8.78 53.26 22,669.47 55,524.87 3.47 8.50 918.81 384.31

7 > 750 1,000 875 1,285 32,698 3.58 91.11 2,618.02 17,065.96 7.59 49.48 166 1,506 6.60 59.86 11,357.08 66,881.95 1.74 10.24 433.80 391.90

8 > 1,000 1,500 1,250 775 33,473 2.16 93.27 2,044.17 19,110.13 5.93 55.41 107 1,613 4.25 64.11 5,076.96 71,958.91 0.78 11.01 248.36 376.55

9 > 1,500 2,000 1,750 513 33,986 1.43 94.70 1,631.57 20,741.70 4.73 60.14 135 1,748 5.37 69.48 13,625.08 85,583.99 2.09 13.10 835.09 412.62

10 > 2,000 2,500 2,250 248 34,234 0.69 95.39 793.96 21,535.66 2.30 62.44 74 1,822 2.94 72.42 9,744.18 95,328.17 1.49 14.59 1,227,28 442.65

11 > 2,500 3,000 2,750 226 34,460 0.63 96.02 798.88 22,334.54 2.32 64.76 103 1,925 4.09 76.51 8,110.99 103,439.16 1.24 15.83 1,015,29 463.14

12 > 3,000 4,000 3,500 285 34,745 0.79 96.82 970.41 23,304.95 2.81 67.57 119 2,044 4.73 81.24 20,487.03 123,926.19 3.14 18.97 2,111,18 531.76

13 > 4,000 5,000 4,500 206 34,951 0.57 97.39 579.66 23,884.61 1.68 69.26 85 2,129 3.38 84.62 11,044.23 134,970.42 1.69 20.66 1,905,28 565.09

14 > 5,000 7,500 6,250 218 35,169 0.61 98.00 805.84 24,690.46 2.34 71.59 75 2,204 2.98 87.60 9,552.70 144,523.12 1.46 22.12 1,185,43 585.34

15 > 7,500 10,000 8,750 156 35,325 0.43 98.43 637.37 25,327.83 1.85 73.44 91 2,295 3.62 91.22 20,710.65 165,233.77 3.17 25.29 3,249,40 652.38

16 > 10,000 20,000 15,000 189 35,514 0.53 98.96 2,542.66 27,870.49 7.37 80.81 77 2,372 3.06 94.28 13,064.08 178,297.85 2.00 27.29 513.80 639.74

17 > 20,000 50,000 35,000 157 35,671 0.44 99.40 2,228.03 30,098.52 6.46 87.27 84 2,456 3.34 97.62 125,296.31 303,594.16 19.18 46.47 5,623,64 1,008,67 17 > 20,000 50,000 35,000 157 35,671 0.44 99.40 2,228.03 30,098.52 6.46 87.27 84 2,456 3.34 97.62 125,296.31 303,594.16 19.18 46.47 5,623,64 1,008,67

18 > 50,000 100,000 75,000 128 35,799 0.36 99.75 1,450.83 31,549.35 4.21 91.48 26 2,482 1.03 98.65 13,024.11 316,618.27 1.99 48.47 897.70 1,003,57

19 > 100,000 500,000 300,000 79 35,878 0.22 99.97 492.03 32,041.38 1.43 92.91 34 2,516 1.35 100.00 336,665.39 653,283.66 51.53 100.00 68,423,65 2,038,88

20 > 500,000 9 35,887 0.03 100.00 2,446.46 34,487.84 7.09 100.00 0 2,516 0.00 100.00 0.00 653,283.66 0.00 100.00 0.00 1,894,24

T O T A L 35,887 34,487.84 2,516 653,283.66 1,894,24

Page 22 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 04 - RIAU PROCESSING DATE : 15/09/2013


1 0 50 25 9,054 9,054 19.34 19.34 9,730.02 9,730.02 13.07 13.07 11 11 3.15 3.15 121.63 121.63 0.27 0.27 1.25 1.25

2 > 50 100 75 7,248 16,302 15.48 34.82 1,816.51 11,546.53 2.44 15.51 7 18 2.01 5.16 188.46 310.09 0.42 0.69 10.37 2.69

3 > 100 200 150 9,696 25,998 20.71 55.53 4,325.31 15,871.83 5.81 21.31 34 52 9.74 14.90 1,213.21 1,523.30 2.69 3.37 28.05 9.60

4 > 200 300 250 6,017 32,015 12.85 68.39 4,701.13 20,572.97 6.31 27.63 20 72 5.73 20.63 1,262.42 2,785.72 2.80 6.17 26.85 13.54

5 > 300 500 400 6,067 38,082 12.96 81.35 7,488.21 28,061.17 10.06 37.68 35 107 10.03 30.66 1,804.80 4,590.52 4.00 10.17 24.10 16.36

6 > 500 750 625 2,387 40,469 5.10 86.45 4,469.08 32,530.25 6.00 43.68 9 116 2.58 33.24 1,184.20 5,774.72 2.62 12.79 26.50 17.75

7 > 750 1,000 875 1,548 42,017 3.31 89.75 4,161.38 36,691.64 5.59 49.27 15 131 4.30 37.54 1,587.42 7,362.15 3.52 16.31 38.15 20.06

BANDrp


NUMBER OF POLICIES



LOSS RATIO


rp RP

8 > 1,000 1,500 1,250 1,204 43,221 2.57 92.32 3,833.12 40,524.76 5.15 54.42 24 155 6.88 44.41 3,946.18 11,308.33 8.74 25.05 102.95 27.90

9 > 1,500 2,000 1,750 657 43,878 1.40 93.73 2,661.17 43,185.93 3.57 57.99 7 162 2.01 46.42 907.97 12,216.30 2.01 27.07 34.12 28.29

10 > 2,000 2,500 2,250 351 44,229 0.75 94.48 1,693.28 44,879.20 2.27 60.27 6 168 1.72 48.14 103.15 12,319.44 0.23 27.29 6.09 27.45

11 > 2,500 3,000 2,750 223 44,452 0.48 94.95 1,292.44 46,171.64 1.74 62.00 2 170 0.57 48.71 3.11 12,322.55 0.01 27.30 0.24 26.69

12 > 3,000 4,000 3,500 302 44,754 0.65 95.60 1,748.53 47,920.17 2.35 64.35 3 173 0.86 49.57 97.24 12,419.79 0.22 27.52 5.56 25.92

13 > 4,000 5,000 4,500 212 44,966 0.45 96.05 1,694.20 49,614.37 2.28 66.62 2 175 0.57 50.14 0.00 12,419.79 0.00 27.52 0.00 25.03

14 > 5,000 7,500 6,250 338 45,304 0.72 96.77 2,178.25 51,792.62 2.93 69.55 34 209 9.74 59.89 6,023.33 18,443.12 13.34 40.86 276.52 35.61

15 > 7,500 10,000 8,750 142 45,446 0.30 97.08 1,211.73 53,004.35 1.63 71.18 3 212 0.86 60.74 15.58 18,458.70 0.03 40.90 1.29 34.82

16 > 10,000 20,000 15,000 322 45,768 0.69 97.77 4,015.03 57,019.38 5.39 76.57 12 224 3.44 64.18 435.69 18,894.39 0.97 41.86 10.85 33.14

17 > 20,000 50,000 35,000 384 46,152 0.82 98.59 4,766.71 61,786.09 6.40 82.97 10 234 2.87 67.05 138.77 19,033.16 0.31 42.17 2.91 30.80

18 > 50,000 100,000 75,000 329 46,481 0.70 99.29 2,432.27 64,218.36 3.27 86.23 28 262 8.02 75.07 1,480.74 20,513.90 3.28 45.45 60.88 31.94

19 > 100,000 500,000 300,000 250 46,731 0.53 99.82 3,040.33 67,258.69 4.08 90.32 74 336 21.20 96.28 18,192.43 38,706.33 40.31 85.75 598.37 57.55

20 > 500,000 83 46,814 0.18 100.00 7,210.96 74,469.65 9.68 100.00 13 349 3.72 100.00 6,429.78 45,136.10 14.25 100.00 89.17 60.61

T O T A L 46,814 74,469.65 349 45,136.10 60.61

Page 23 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 05 - JAMBI PROCESSING DATE : 15/09/2013


1 0 50 25 2,473 2,473 17.84 17.84 1,103.34 1,103.34 6.12 6.12 7 7 8.43 8.43 67.39 67.39 0.22 0.22 6.11 6.11

2 > 50 100 75 2,357 4,830 17.00 34.84 668.14 1,771.47 3.70 9.82 5 12 6.02 14.46 95.70 163.09 0.31 0.53 14.32 9.21

3 > 100 200 150 3,083 7,913 22.24 57.08 1,536.51 3,307.98 8.52 18.34 2 14 2.41 16.87 115.00 278.09 0.37 0.90 7.48 8.41

4 > 200 300 250 1,836 9,749 13.24 70.32 1,439.45 4,747.44 7.98 26.32 0 14 0.00 16.87 0.00 278.09 0.00 0.90 0.00 5.86

5 > 300 500 400 1,717 11,466 12.38 82.70 2,020.64 6,768.08 11.20 37.52 9 23 10.84 27.71 276.53 554.62 0.89 1.79 13.69 8.19

6 > 500 750 625 701 12,167 5.06 87.76 1,325.10 8,093.18 7.35 44.87 3 26 3.61 31.33 19.01 573.63 0.06 1.85 1.43 7.09

7 > 750 1,000 875 421 12,588 3.04 90.80 1,051.92 9,145.10 5.83 50.70 0 26 0.00 31.33 0.00 573.63 0.00 1.85 0.00 6.27

BANDrp


NUMBER OF POLICIES



LOSS RATIO


rp RP

7 > 750 1,000 875 421 12,588 3.04 90.80 1,051.92 9,145.10 5.83 50.70 0 26 0.00 31.33 0.00 573.63 0.00 1.85 0.00 6.27

8 > 1,000 1,500 1,250 325 12,913 2.34 93.14 875.75 10,020.85 4.86 55.56 15 41 18.07 49.40 58.88 632.51 0.19 2.04 6.72 6.31

9 > 1,500 2,000 1,750 183 13,096 1.32 94.46 705.22 10,726.07 3.91 59.47 2 43 2.41 51.81 1.96 634.46 0.01 2.05 0.28 5.92

10 > 2,000 2,500 2,250 102 13,198 0.74 95.20 412.08 11,138.16 2.28 61.75 0 43 0.00 51.81 0.00 634.46 0.00 2.05 0.00 5.70

11 > 2,500 3,000 2,750 52 13,250 0.38 95.57 266.42 11,404.58 1.48 63.23 0 43 0.00 51.81 0.00 634.46 0.00 2.05 0.00 5.56

12 > 3,000 4,000 3,500 98 13,348 0.71 96.28 478.76 11,883.35 2.65 65.88 2 45 2.41 54.22 35.53 670.00 0.11 2.16 7.42 5.64

13 > 4,000 5,000 4,500 53 13,401 0.38 96.66 365.52 12,248.86 2.03 67.91 12 57 14.46 68.67 40.20 710.19 0.13 2.29 11.00 5.80

14 > 5,000 7,500 6,250 86 13,487 0.62 97.28 632.09 12,880.95 3.50 71.41 0 57 0.00 68.67 0.00 710.19 0.00 2.29 0.00 5.51

15 > 7,500 10,000 8,750 51 13,538 0.37 97.65 399.27 13,280.23 2.21 73.63 0 57 0.00 68.67 0.00 710.19 0.00 2.29 0.00 5.35

16 > 10,000 20,000 15,000 73 13,611 0.53 98.18 1,338.31 14,618.54 7.42 81.05 0 57 0.00 68.67 0.00 710.19 0.00 2.29 0.00 4.86

17 > 20,000 50,000 35,000 96 13,707 0.69 98.87 1,449.07 16,067.61 8.03 89.08 0 57 0.00 68.67 0.00 710.19 0.00 2.29 0.00 4.42

18 > 50,000 100,000 75,000 89 13,796 0.64 99.51 890.07 16,957.68 4.93 94.01 15 72 18.07 86.75 2,879.20 3,589.39 9.28 11.57 323.48 21.17

19 > 100,000 500,000 300,000 59 13,855 0.43 99.94 565.11 17,522.78 3.13 97.15 11 83 13.25 100.00 27,422.05 31,011.45 88.43 100.00 4,852,56 176.98

20 > 500,000 9 13,864 0.06 100.00 514.69 18,037.48 2.85 100.00 0 83 0.00 100.00 0.00 31,011.45 0.00 100.00 0.00 171.9320 > 500,000 9 13,864 0.06 100.00 514.69 18,037.48 2.85 100.00 0 83 0.00 100.00 0.00 31,011.45 0.00 100.00 0.00 171.93

T O T A L 13,864 18,037.48 83 31,011.45 171.93

Page 24 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 06 - SUMATERA SELATAN PROCESSING DATE : 15/09/2013


1 0 50 25 3,704 3,704 13.22 13.22 6,824.52 6,824.52 11.52 11.52 8 8 1.74 1.74 101.50 101.50 0.22 0.22 1.49 1.49

2 > 50 100 75 3,510 7,214 12.53 25.75 651.72 7,476.23 1.10 12.62 13 21 2.82 4.56 233.52 335.02 0.50 0.72 35.83 4.48

3 > 100 200 150 5,737 12,951 20.48 46.22 2,124.87 9,601.10 3.59 16.21 20 41 4.34 8.89 578.99 914.00 1.24 1.96 27.25 9.52

4 > 200 300 250 3,838 16,789 13.70 59.92 2,433.74 12,034.84 4.11 20.32 8 49 1.74 10.63 183.74 1,097.75 0.39 2.35 7.55 9.12

5 > 300 500 400 3,942 20,731 14.07 73.99 4,155.04 16,189.88 7.01 27.33 40 89 8.68 19.31 1,300.91 2,398.65 2.79 5.14 31.31 14.82

6 > 500 750 625 1,887 22,618 6.73 80.72 2,954.46 19,144.34 4.99 32.32 15 104 3.25 22.56 862.72 3,261.37 1.85 6.99 29.20 17.04

7 > 750 1,000 875 1,494 24,112 5.33 86.06 3,162.46 22,306.81 5.34 37.65 13 117 2.82 25.38 1,426.82 4,688.18 3.06 10.04 45.12 21.02

ORIGINAL PREMIUM (in million Rupiah) CLAIM FREQUENCY

PERCENTAGE

LOSS RATIO


rp RPBAND

rp

SUM INSURED CLAIM SEVERITY (in million Rupiah)

(in million)

NUMBER OF POLICIES


7 > 750 1,000 875 1,494 24,112 5.33 86.06 3,162.46 22,306.81 5.34 37.65 13 117 2.82 25.38 1,426.82 4,688.18 3.06 10.04 45.12 21.02

8 > 1,000 1,500 1,250 1,073 25,185 3.83 89.89 2,692.18 24,998.98 4.54 42.20 23 140 4.99 30.37 1,578.72 6,266.90 3.38 13.42 58.64 25.07

9 > 1,500 2,000 1,750 577 25,762 2.06 91.94 2,032.90 27,031.88 3.43 45.63 2 142 0.43 30.80 22.83 6,289.73 0.05 13.47 1.12 23.27

10 > 2,000 2,500 2,250 271 26,033 0.97 92.91 1,045.95 28,077.83 1.77 47.40 4 146 0.87 31.67 452.09 6,741.81 0.97 14.44 43.22 24.01

11 > 2,500 3,000 2,750 252 26,285 0.90 93.81 1,241.64 29,319.47 2.10 49.49 5 151 1.08 32.75 39.82 6,781.64 0.09 14.53 3.21 23.13

12 > 3,000 4,000 3,500 255 26,540 0.91 94.72 1,386.81 30,706.29 2.34 51.83 4 155 0.87 33.62 65.34 6,846.97 0.14 14.67 4.71 22.30

13 > 4,000 5,000 4,500 146 26,686 0.52 95.24 919.42 31,625.70 1.55 53.38 0 155 0.00 33.62 0.00 6,846.97 0.00 14.67 0.00 21.65

14 > 5,000 7,500 6,250 234 26,920 0.84 96.08 1,349.14 32,974.84 2.28 55.66 14 169 3.04 36.66 390.72 7,237.70 0.84 15.50 28.96 21.95

15 > 7,500 10,000 8,750 151 27,071 0.54 96.62 1,364.73 34,339.57 2.30 57.97 12 181 2.60 39.26 752.15 7,989.85 1.61 17.11 55.11 23.27

16 > 10,000 20,000 15,000 280 27,351 1.00 97.62 2,924.00 37,263.57 4.94 62.90 23 204 4.99 44.25 390.23 8,380.08 0.84 17.95 13.35 22.49

17 > 20,000 50,000 35,000 245 27,596 0.87 98.49 4,466.35 41,729.92 7.54 70.44 121 325 26.25 70.50 8,715.75 17,095.83 18.67 36.62 195.14 40.97

18 > 50,000 100,000 75,000 162 27,758 0.58 99.07 1,715.96 43,445.87 2.90 73.34 19 344 4.12 74.62 3,728.79 20,824.62 7.99 44.61 217.30 47.93

19 > 100,000 500,000 300,000 165 27,923 0.59 99.66 4,699.90 48,145.77 7.93 81.27 73 417 15.84 90.46 799.38 21,623.99 1.71 46.32 17.01 44.91

20 > 500,000 96 28,019 0.34 100.00 11,095.03 59,240.80 18.73 100.00 44 461 9.54 100.00 25,059.63 46,683.62 53.68 100.00 225.86 78.80

T O T A L 28,019 59,240.80 461 46,683.62 78.80

Page 25 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 07 - BENGKULU PROCESSING DATE : 15/09/2013


1 0 50 25 1,877 1,877 20.24 20.24 466.56 466.56 4.90 4.90 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 1,609 3,486 17.35 37.59 403.76 870.32 4.24 9.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 2,003 5,489 21.60 59.19 1,334.43 2,204.75 14.01 23.14 14 14 10.77 10.77 445.30 445.30 4.91 4.91 33.37 20.20

4 > 200 300 250 1,268 6,757 13.67 72.86 799.29 3,004.04 8.39 31.53 9 23 6.92 17.69 599.27 1,044.58 6.60 11.51 74.98 34.77

5 > 300 500 400 1,143 7,900 12.32 85.18 1,308.26 4,312.30 13.73 45.26 31 54 23.85 41.54 1,877.18 2,921.76 20.68 32.19 143.49 67.75

6 > 500 750 625 440 8,340 4.74 89.93 814.04 5,126.34 8.54 53.81 31 85 23.85 65.38 1,357.85 4,279.61 14.96 47.15 166.80 83.48

7 > 750 1,000 875 300 8,640 3.23 93.16 724.21 5,850.56 7.60 61.41 0 85 0.00 65.38 0.00 4,279.61 0.00 47.15 0.00 73.15

CLAIM SEVERITY (in million Rupiah)PERCENTAGE(in million)

NUMBER OF POLICIES



RPPERCENTAGE


LOSS RATIO

f FPERCENTAGE

rp RPBAND

rp

SUM INSURED

8 > 1,000 1,500 1,250 147 8,787 1.59 94.75 415.62 6,266.18 4.36 65.77 2 87 1.54 66.92 8.00 4,287.61 0.09 47.24 1.93 68.42

9 > 1,500 2,000 1,750 104 8,891 1.12 95.87 378.79 6,644.97 3.98 69.75 0 87 0.00 66.92 0.00 4,287.61 0.00 47.24 0.00 64.52

10 > 2,000 2,500 2,250 58 8,949 0.63 96.50 215.29 6,860.26 2.26 72.01 3 90 2.31 69.23 4.71 4,292.32 0.05 47.29 2.19 62.57

11 > 2,500 3,000 2,750 41 8,990 0.44 96.94 175.78 7,036.04 1.85 73.85 0 90 0.00 69.23 0.00 4,292.32 0.00 47.29 0.00 61.00

12 > 3,000 4,000 3,500 40 9,030 0.43 97.37 137.80 7,173.84 1.45 75.30 2 92 1.54 70.77 30.59 4,322.91 0.34 47.63 22.20 60.26

13 > 4,000 5,000 4,500 34 9,064 0.37 97.74 78.67 7,252.52 0.83 76.12 2 94 1.54 72.31 4,187.11 8,510.02 46.13 93.76 5,322,06 117.34

14 > 5,000 7,500 6,250 36 9,100 0.39 98.12 122.19 7,374.70 1.28 77.41 5 99 3.85 76.15 17.34 8,527.37 0.19 93.95 14.19 115.63

15 > 7,500 10,000 8,750 21 9,121 0.23 98.35 209.67 7,584.37 2.20 79.61 2 101 1.54 77.69 15.28 8,542.64 0.17 94.12 7.29 112.63

16 > 10,000 20,000 15,000 55 9,176 0.59 98.94 587.02 8,171.39 6.16 85.77 7 108 5.38 83.08 118.79 8,661.43 1.31 95.43 20.24 106.00

17 > 20,000 50,000 35,000 65 9,241 0.70 99.64 740.77 8,912.16 7.78 93.54 11 119 8.46 91.54 354.97 9,016.40 3.91 99.34 47.92 101.17

18 > 50,000 100,000 75,000 23 9,264 0.25 99.89 328.77 9,240.93 3.45 97.00 11 130 8.46 100.00 59.76 9,076.16 0.66 100.00 18.18 98.22

19 > 100,000 500,000 300,000 8 9,272 0.09 99.98 226.14 9,467.07 2.37 99.37 0 130 0.00 100.00 0.00 9,076.16 0.00 100.00 0.00 95.87

20 > 500,000 2 9,274 0.02 100.00 60.13 9,527.19 0.63 100.00 0 130 0.00 100.00 0.00 9,076.16 0.00 100.00 0.00 95.27

T O T A L 9,274 9,527.19 130 9,076.16 95.27

Page 26 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 08 - LAMPUNG PROCESSING DATE : 15/09/2013


1 0 50 25 3,219 3,219 15.01 15.01 2,778.66 2,778.66 7.19 7.19 5 5 1.11 1.11 1.97 1.97 0.01 0.01 0.07 0.07

2 > 50 100 75 3,124 6,343 14.57 29.58 533.64 3,312.30 1.38 8.58 2 7 0.44 1.55 12.31 14.27 0.08 0.10 2.31 0.43

3 > 100 200 150 4,233 10,576 19.74 49.33 1,387.92 4,700.22 3.59 12.17 32 39 7.10 8.65 525.72 539.99 3.53 3.63 37.88 11.49

4 > 200 300 250 2,507 13,083 11.69 61.02 1,420.54 6,120.76 3.68 15.85 2 41 0.44 9.09 0.85 540.84 0.01 3.63 0.06 8.84

5 > 300 500 400 2,700 15,783 12.59 73.61 2,776.31 8,897.07 7.19 23.04 67 108 14.86 23.95 1,019.36 1,560.20 6.84 10.48 36.72 17.54

6 > 500 750 625 1,249 17,032 5.83 79.44 2,141.29 11,038.36 5.54 28.58 36 144 7.98 31.93 118.72 1,678.92 0.80 11.27 5.54 15.21

7 > 750 1,000 875 882 17,914 4.11 83.55 1,686.03 12,724.39 4.37 32.94 12 156 2.66 34.59 382.34 2,061.26 2.57 13.84 22.68 16.20


LOSS RATIO

RP f FPERCENTAGEPERCENTAGEBAND

rp

SUM INSURED

f F(in million)

NUMBER OF POLICIES

rp RP

CLAIM SEVERITY (in million Rupiah)Mid Points PERCENTAGE PERCENTAGE

8 > 1,000 1,500 1,250 685 18,599 3.19 86.75 1,785.92 14,510.31 4.62 37.57 25 181 5.54 40.13 1,674.62 3,735.88 11.24 25.09 93.77 25.75

9 > 1,500 2,000 1,750 402 19,001 1.88 88.62 1,508.41 16,018.72 3.91 41.47 5 186 1.11 41.24 378.45 4,114.33 2.54 27.63 25.09 25.68

10 > 2,000 2,500 2,250 229 19,230 1.07 89.69 845.38 16,864.09 2.19 43.66 2 188 0.44 41.69 41.18 4,155.51 0.28 27.90 4.87 24.64

11 > 2,500 3,000 2,750 248 19,478 1.16 90.85 998.69 17,862.78 2.59 46.25 7 195 1.55 43.24 35.72 4,191.23 0.24 28.14 3.58 23.46

12 > 3,000 4,000 3,500 260 19,738 1.21 92.06 1,187.76 19,050.55 3.08 49.32 11 206 2.44 45.68 103.59 4,294.81 0.70 28.84 8.72 22.54

13 > 4,000 5,000 4,500 147 19,885 0.69 92.75 871.84 19,922.38 2.26 51.58 8 214 1.77 47.45 105.84 4,400.65 0.71 29.55 12.14 22.09

14 > 5,000 7,500 6,250 254 20,139 1.18 93.93 2,038.11 21,960.49 5.28 56.86 38 252 8.43 55.88 457.59 4,858.24 3.07 32.62 22.45 22.12

15 > 7,500 10,000 8,750 148 20,287 0.69 94.62 1,230.88 23,191.37 3.19 60.04 15 267 3.33 59.20 603.27 5,461.51 4.05 36.67 49.01 23.55

16 > 10,000 20,000 15,000 321 20,608 1.50 96.12 4,061.12 27,252.49 10.51 70.56 46 313 10.20 69.40 1,139.31 6,600.82 7.65 44.32 28.05 24.22

17 > 20,000 50,000 35,000 350 20,958 1.63 97.75 4,325.87 31,578.36 11.20 81.76 41 354 9.09 78.49 2,563.18 9,164.00 17.21 61.53 59.25 29.02

18 > 50,000 100,000 75,000 201 21,159 0.94 98.69 2,347.13 33,925.49 6.08 87.84 41 395 9.09 87.58 1,536.55 10,700.56 10.32 71.85 65.47 31.54

19 > 100,000 500,000 300,000 204 21,363 0.95 99.64 4,131.88 38,057.37 10.70 98.53 43 438 9.53 97.12 3,280.33 13,980.88 22.03 93.88 79.39 36.74

20 > 500,000 77 21,440 0.36 100.00 566.61 38,623.98 1.47 100.00 13 451 2.88 100.00 912.00 14,892.88 6.12 100.00 160.96 38.56

T O T A L 21,440 38,623.98 451 14,892.88 38.56

Page 27 of 204


RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 09 - DAERAH KHUSUS IBUKOTA JAKARTA PROCESSING DATE : 15/09/2013


1 0 50 25 27,634 27,634 11.56 11.56 26,783.59 26,783.59 6.79 6.79 180 180 3.66 3.66 1,456.12 1,456.12 0.23 0.23 5.44 5.44

2 > 50 100 75 16,902 44,536 7.07 18.63 3,617.46 30,401.05 0.92 7.71 140 320 2.84 6.50 2,817.60 4,273.72 0.44 0.67 77.89 14.06

3 > 100 200 150 30,698 75,234 12.84 31.47 9,239.77 39,640.82 2.34 10.06 220 540 4.47 10.97 5,305.98 9,579.70 0.83 1.51 57.43 24.17

4 > 200 300 250 26,812 102,046 11.22 42.69 11,656.44 51,297.26 2.96 13.01 134 674 2.72 13.69 6,354.49 15,934.19 1.00 2.51 54.51 31.06



LOSS RATIO


rp

SUM INSURED

f F(in million)

NUMBER OF POLICIES

rp RP


5 > 300 500 400 39,688 141,734 16.60 59.29 26,037.07 77,334.33 6.61 19.62 649 1,323 13.18 26.87 17,189.79 33,123.98 2.70 5.21 66.02 42.83

6 > 500 750 625 24,583 166,317 10.28 69.58 22,182.95 99,517.28 5.63 25.25 142 1,465 2.88 29.75 6,470.05 39,594.03 1.02 6.23 29.17 39.79

7 > 750 1,000 875 18,724 185,041 7.83 77.41 24,599.68 124,116.97 6.24 31.49 148 1,613 3.01 32.76 13,857.35 53,451.38 2.18 8.41 56.33 43.07

8 > 1,000 1,500 1,250 14,961 200,002 6.26 83.67 27,061.28 151,178.25 6.87 38.35 117 1,730 2.38 35.13 6,983.58 60,434.96 1.10 9.50 25.81 39.98

9 > 1,500 2,000 1,750 8,343 208,345 3.49 87.16 20,560.85 171,739.09 5.22 43.57 165 1,895 3.35 38.48 10,624.76 71,059.72 1.67 11.17 51.67 41.38

10 > 2,000 2,500 2,250 4,595 212,940 1.92 89.08 14,038.54 185,777.63 3.56 47.13 115 2,010 2.34 40.82 14,877.27 85,937.00 2.34 13.51 105.97 46.26

11 > 2,500 3,000 2,750 3,569 216,509 1.49 90.57 14,564.75 200,342.38 3.70 50.83 48 2,058 0.97 41.80 4,898.57 90,835.57 0.77 14.28 33.63 45.34

12 > 3,000 4,000 3,500 4,286 220,795 1.79 92.37 18,339.06 218,681.44 4.65 55.48 57 2,115 1.16 42.95 1,262.79 92,098.36 0.20 14.48 6.89 42.12

13 > 4,000 5,000 4,500 2,861 223,656 1.20 93.56 14,860.53 233,541.97 3.77 59.25 61 2,176 1.24 44.19 10,213.06 102,311.41 1.61 16.09 68.73 43.81

14 > 5,000 7,500 6,250 3,309 226,965 1.38 94.95 19,901.11 253,443.08 5.05 64.30 112 2,288 2.27 46.47 15,571.22 117,882.63 2.45 18.54 78.24 46.51

15 > 7,500 10,000 8,750 2,074 229,039 0.87 95.81 15,645.48 269,088.56 3.97 68.27 74 2,362 1.50 47.97 22,455.15 140,337.78 3.53 22.07 143.52 52.15

16 > 10,000 20,000 15,000 3,246 232,285 1.36 97.17 31,956.24 301,044.80 8.11 76.37 161 2,523 3.27 51.24 21,349.51 161,687.29 3.36 25.43 66.81 53.71

17 > 20,000 50,000 35,000 2,809 235,094 1.18 98.35 31,625.52 332,670.31 8.02 84.40 479 3,002 9.73 60.97 34,464.75 196,152.04 5.42 30.85 108.98 58.9617 > 20,000 50,000 35,000 2,809 235,094 1.18 98.35 31,625.52 332,670.31 8.02 84.40 479 3,002 9.73 60.97 34,464.75 196,152.04 5.42 30.85 108.98 58.96

18 > 50,000 100,000 75,000 1,319 236,413 0.55 98.90 14,687.82 347,358.13 3.73 88.12 197 3,199 4.00 64.97 20,344.23 216,496.27 3.20 34.04 138.51 62.33

19 > 100,000 500,000 300,000 1,891 238,304 0.79 99.69 30,803.25 378,161.38 7.81 95.94 615 3,814 12.49 77.46 176,114.19 392,610.46 27.69 61.74 571.74 103.82

20 > 500,000 741 239,045 0.31 100.00 16,005.91 394,167.29 4.06 100.00 1,110 4,924 22.54 100.00 243,313.14 635,923.61 38.26 100.00 1,520,15 161.33

T O T A L 239,045 394,167.29 4,924 635,923.61 161.33

Page 28 of 204


RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 10 - JAWA BARAT PROCESSING DATE : 15/09/2013


1 0 50 25 31,095 31,095 17.08 17.08 19,986.26 19,986.26 7.10 7.10 44 44 1.18 1.18 161.37 161.37 0.01 0.01 0.81 0.81

2 > 50 100 75 25,459 56,554 13.98 31.06 4,653.31 24,639.57 1.65 8.75 67 111 1.79 2.97 800.58 961.95 0.07 0.09 17.20 3.90

3 > 100 200 150 32,178 88,732 17.67 48.73 10,262.86 34,902.43 3.65 12.40 126 237 3.37 6.34 1,221.34 2,183.29 0.11 0.20 11.90 6.26

4 > 200 300 250 19,859 108,591 10.91 59.63 9,938.97 44,841.41 3.53 15.93 126 363 3.37 9.71 1,986.11 4,169.40 0.18 0.38 19.98 9.30

Mid Points PERCENTAGE PERCENTAGEORIGINAL PREMIUM (in million Rupiah)

RP


LOSS RATIO

f FBAND

rp

SUM INSURED



CLAIM SEVERITY (in million Rupiah)(in million)

NUMBER OF POLICIES

f F

4 > 200 300 250 19,859 108,591 10.91 59.63 9,938.97 44,841.41 3.53 15.93 126 363 3.37 9.71 1,986.11 4,169.40 0.18 0.38 19.98 9.30

5 > 300 500 400 21,566 130,157 11.84 71.48 17,992.24 62,833.65 6.39 22.32 500 863 13.37 23.07 10,629.07 14,798.47 0.96 1.34 59.08 23.55

6 > 500 750 625 11,110 141,267 6.10 77.58 12,546.54 75,380.19 4.46 26.78 105 968 2.81 25.88 4,397.06 19,195.53 0.40 1.74 35.05 25.46

7 > 750 1,000 875 7,800 149,067 4.28 81.86 12,537.27 87,917.46 4.45 31.23 103 1,071 2.75 28.64 10,207.09 29,402.63 0.92 2.66 81.41 33.44

8 > 1,000 1,500 1,250 6,620 155,687 3.64 85.49 13,648.61 101,566.07 4.85 36.08 120 1,191 3.21 31.84 5,954.39 35,357.02 0.54 3.20 43.63 34.81

9 > 1,500 2,000 1,750 3,819 159,506 2.10 87.59 10,521.64 112,087.71 3.74 39.82 91 1,282 2.43 34.28 6,505.39 41,862.41 0.59 3.79 61.83 37.35

10 > 2,000 2,500 2,250 2,375 161,881 1.30 88.90 7,673.36 119,761.07 2.73 42.55 56 1,338 1.50 35.78 8,081.62 49,944.03 0.73 4.52 105.32 41.70

11 > 2,500 3,000 2,750 1,833 163,714 1.01 89.90 7,767.97 127,529.04 2.76 45.31 58 1,396 1.55 37.33 6,326.50 56,270.53 0.57 5.09 81.44 44.12

12 > 3,000 4,000 3,500 2,332 166,046 1.28 91.18 9,630.41 137,159.46 3.42 48.73 116 1,512 3.10 40.43 5,727.75 61,998.28 0.52 5.61 59.48 45.20

13 > 4,000 5,000 4,500 1,696 167,742 0.93 92.11 8,578.27 145,737.73 3.05 51.78 72 1,584 1.93 42.35 8,784.97 70,783.25 0.79 6.40 102.41 48.57

14 > 5,000 7,500 6,250 2,542 170,284 1.40 93.51 14,529.38 160,267.11 5.16 56.94 158 1,742 4.22 46.58 24,803.19 95,586.44 2.24 8.64 170.71 59.64

15 > 7,500 10,000 8,750 1,677 171,961 0.92 94.43 12,198.98 172,466.10 4.33 61.27 303 2,045 8.10 54.68 14,722.95 110,309.39 1.33 9.97 120.69 63.96

16 > 10,000 20,000 15,000 3,162 175,123 1.74 96.17 29,331.06 201,797.15 10.42 71.69 257 2,302 6.87 61.55 70,337.02 180,646.41 6.36 16.33 239.80 89.5216 > 10,000 20,000 15,000 3,162 175,123 1.74 96.17 29,331.06 201,797.15 10.42 71.69 257 2,302 6.87 61.55 70,337.02 180,646.41 6.36 16.33 239.80 89.52

17 > 20,000 50,000 35,000 2,756 177,879 1.51 97.68 30,712.59 232,509.75 10.91 82.60 349 2,651 9.33 70.88 168,581.56 349,227.97 15.24 31.58 548.90 150.20

18 > 50,000 100,000 75,000 1,482 179,361 0.81 98.50 16,049.07 248,558.82 5.70 88.31 254 2,905 6.79 77.67 211,205.31 560,433.28 19.10 50.67 1,316,00 225.47

19 > 100,000 500,000 300,000 2,059 181,420 1.13 99.63 23,021.07 271,579.89 8.18 96.48 508 3,413 13.58 91.26 332,865.86 893,299.14 30.10 80.77 1,445,92 328.93

20 > 500,000 681 182,101 0.37 100.00 9,896.58 281,476.47 3.52 100.00 327 3,740 8.74 100.00 212,672.38 1,105,971.52 19.23 100.00 2,148,95 392.92

T O T A L 182,101 281,476.47 3,740 1,105,971.52 392.92

Page 29 of 204


RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 11 - JAWA TENGAH PROCESSING DATE : 15/09/2013


1 0 50 25 21,310 21,310 22.69 22.69 7,958.29 7,958.29 6.43 6.43 19 19 1.77 1.77 105.76 105.76 0.05 0.05 1.33 1.33

2 > 50 100 75 16,271 37,581 17.33 40.02 2,837.57 10,795.86 2.29 8.72 22 41 2.04 3.81 254.13 359.89 0.12 0.17 8.96 3.33

3 > 100 200 150 16,640 54,221 17.72 57.74 5,291.93 16,087.79 4.27 12.99 41 82 3.81 7.62 956.48 1,316.37 0.44 0.61 18.07 8.18

4 > 200 300 250 8,220 62,441 8.75 66.50 4,399.14 20,486.93 3.55 16.55 38 120 3.53 11.15 1,190.35 2,506.72 0.55 1.16 27.06 12.24

5 > 300 500 400 8,785 71,226 9.36 75.85 7,654.14 28,141.07 6.18 22.73 116 236 10.78 21.93 3,045.28 5,551.99 1.41 2.58 39.79 19.73



LOSS RATIO


rp

SUM INSURED

f F(in million)

NUMBER OF POLICIES

rp RP


5 > 300 500 400 8,785 71,226 9.36 75.85 7,654.14 28,141.07 6.18 22.73 116 236 10.78 21.93 3,045.28 5,551.99 1.41 2.58 39.79 19.73

6 > 500 750 625 4,955 76,181 5.28 81.13 6,172.50 34,313.57 4.98 27.71 29 265 2.70 24.63 1,173.10 6,725.09 0.55 3.12 19.01 19.60

7 > 750 1,000 875 3,726 79,907 3.97 85.10 5,938.74 40,252.31 4.80 32.51 30 295 2.79 27.42 1,476.74 8,201.83 0.69 3.81 24.87 20.38

8 > 1,000 1,500 1,250 3,302 83,209 3.52 88.61 7,174.10 47,426.41 5.79 38.30 47 342 4.37 31.78 551.22 8,753.06 0.26 4.07 7.68 18.46

9 > 1,500 2,000 1,750 1,922 85,131 2.05 90.66 5,214.00 52,640.41 4.21 42.51 29 371 2.70 34.48 2,231.88 10,984.94 1.04 5.10 42.81 20.87

10 > 2,000 2,500 2,250 1,113 86,244 1.19 91.84 3,942.31 56,582.72 3.18 45.70 9 380 0.84 35.32 2,067.95 13,052.89 0.96 6.06 52.46 23.07

11 > 2,500 3,000 2,750 894 87,138 0.95 92.80 3,965.93 60,548.65 3.20 48.90 12 392 1.12 36.43 267.98 13,320.86 0.12 6.19 6.76 22.00

12 > 3,000 4,000 3,500 1,158 88,296 1.23 94.03 5,268.90 65,817.55 4.26 53.15 24 416 2.23 38.66 2,443.82 15,764.68 1.14 7.32 46.38 23.95

13 > 4,000 5,000 4,500 686 88,982 0.73 94.76 4,077.25 69,894.80 3.29 56.45 35 451 3.25 41.91 4,668.94 20,433.62 2.17 9.49 114.51 29.23

14 > 5,000 7,500 6,250 1,041 90,023 1.11 95.87 6,981.39 76,876.19 5.64 62.09 83 534 7.71 49.63 18,578.07 39,011.69 8.63 18.12 266.11 50.75

15 > 7,500 10,000 8,750 613 90,636 0.65 96.52 5,509.71 82,385.90 4.45 66.53 57 591 5.30 54.93 1,751.46 40,763.15 0.81 18.94 31.79 49.48

16 > 10,000 20,000 15,000 1,158 91,794 1.23 97.75 13,564.23 95,950.13 10.95 77.49 106 697 9.85 64.78 3,021.40 43,784.55 1.40 20.34 22.27 45.63

17 > 20,000 50,000 35,000 972 92,766 1.04 98.79 12,701.44 108,651.57 10.26 87.75 93 790 8.64 73.42 56,043.18 99,827.73 26.04 46.38 441.23 91.8817 > 20,000 50,000 35,000 972 92,766 1.04 98.79 12,701.44 108,651.57 10.26 87.75 93 790 8.64 73.42 56,043.18 99,827.73 26.04 46.38 441.23 91.88

18 > 50,000 100,000 75,000 433 93,199 0.46 99.25 5,453.50 114,105.07 4.40 92.15 102 892 9.48 82.90 3,053.44 102,881.18 1.42 47.80 55.99 90.16

19 > 100,000 500,000 300,000 494 93,693 0.53 99.78 7,608.26 121,713.33 6.14 98.30 120 1,012 11.15 94.05 102,471.54 205,352.72 47.61 95.41 1,346,85 168.72

20 > 500,000 210 93,903 0.22 100.00 2,110.55 123,823.88 1.70 100.00 64 1,076 5.95 100.00 9,889.04 215,241.76 4.59 100.00 468.55 173.83

T O T A L 93,903 123,823.88 1,076 215,241.76 173.83

Page 30 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 12 - DAERAH ISTIMEWA YOGYAKARTA PROCESSING DATE : 15/09/2013


1 0 50 25 2,732 2,732 19.51 19.51 854.90 854.90 5.59 5.59 7 7 4.19 4.19 55.69 55.69 1.27 1.27 6.51 6.51

2 > 50 100 75 1,897 4,629 13.55 33.06 319.06 1,173.96 2.09 7.67 4 11 2.40 6.59 79.51 135.20 1.82 3.09 24.92 11.52

3 > 100 200 150 2,529 7,158 18.06 51.12 822.72 1,996.67 5.38 13.05 16 27 9.58 16.17 37.87 173.07 0.87 3.95 4.60 8.67

4 > 200 300 250 1,423 8,581 10.16 61.28 606.34 2,603.01 3.96 17.01 7 34 4.19 20.36 68.79 241.85 1.57 5.53 11.34 9.29

5 > 300 500 400 1,496 10,077 10.68 71.97 990.00 3,593.02 6.47 23.48 27 61 16.17 36.53 650.17 892.02 14.85 20.38 65.67 24.83

6 > 500 750 625 909 10,986 6.49 78.46 920.92 4,513.93 6.02 29.50 6 67 3.59 40.12 231.65 1,123.67 5.29 25.67 25.15 24.89

7 > 750 1,000 875 790 11,776 5.64 84.10 1,719.52 6,233.45 11.24 40.74 4 71 2.40 42.51 32.74 1,156.41 0.75 26.42 1.90 18.55


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

8 > 1,000 1,500 1,250 626 12,402 4.47 88.57 1,151.77 7,385.22 7.53 48.26 11 82 6.59 49.10 164.34 1,320.75 3.75 30.17 14.27 17.88

9 > 1,500 2,000 1,750 374 12,776 2.67 91.24 730.10 8,115.32 4.77 53.03 2 84 1.20 50.30 4.93 1,325.68 0.11 30.29 0.67 16.34

10 > 2,000 2,500 2,250 196 12,972 1.40 92.64 494.18 8,609.50 3.23 56.26 4 88 2.40 52.69 38.85 1,364.53 0.89 31.17 7.86 15.85

11 > 2,500 3,000 2,750 151 13,123 1.08 93.72 480.15 9,089.65 3.14 59.40 6 94 3.59 56.29 20.64 1,385.17 0.47 31.65 4.30 15.24

12 > 3,000 4,000 3,500 174 13,297 1.24 94.97 793.91 9,883.56 5.19 64.59 11 105 6.59 62.87 94.84 1,480.01 2.17 33.81 11.95 14.97

13 > 4,000 5,000 4,500 97 13,394 0.69 95.66 361.96 10,245.53 2.37 66.95 2 107 1.20 64.07 5.55 1,485.56 0.13 33.94 1.53 14.50

14 > 5,000 7,500 6,250 194 13,588 1.39 97.04 1,032.63 11,278.16 6.75 73.70 2 109 1.20 65.27 4.32 1,489.88 0.10 34.04 0.42 13.21

15 > 7,500 10,000 8,750 91 13,679 0.65 97.69 429.98 11,708.14 2.81 76.51 0 109 0.00 65.27 0.00 1,489.88 0.00 34.04 0.00 12.73

16 > 10,000 20,000 15,000 115 13,794 0.82 98.51 1,182.16 12,890.31 7.73 84.24 0 109 0.00 65.27 0.00 1,489.88 0.00 34.04 0.00 11.56

17 > 20,000 50,000 35,000 115 13,909 0.82 99.34 1,005.12 13,895.43 6.57 90.81 21 130 12.57 77.84 1,748.77 3,238.65 39.95 73.99 173.99 23.31

18 > 50,000 100,000 75,000 51 13,960 0.36 99.70 465.54 14,360.97 3.04 93.85 15 145 8.98 86.83 942.15 4,180.80 21.52 95.52 202.38 29.11

19 > 100,000 500,000 300,000 31 13,991 0.22 99.92 615.89 14,976.86 4.02 97.87 14 159 8.38 95.21 32.44 4,213.24 0.74 96.26 5.27 28.13

20 > 500,000 11 14,002 0.08 100.00 325.57 15,302.43 2.13 100.00 8 167 4.79 100.00 163.79 4,377.04 3.74 100.00 50.31 28.60

T O T A L 14,002 15,302.43 167 4,377.04 28.60

Page 31 of 204


RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 13 - JAWA TIMUR PROCESSING DATE : 15/09/2013


1 0 50 25 21,808 21,808 16.53 16.53 13,752.13 13,752.13 6.14 6.14 34 34 1.70 1.70 276.93 276.93 0.07 0.07 2.01 2.01

2 > 50 100 75 17,929 39,737 13.59 30.13 3,477.67 17,229.79 1.55 7.69 22 56 1.10 2.80 100.01 376.93 0.03 0.09 2.88 2.19

3 > 100 200 150 21,459 61,196 16.27 46.40 6,973.25 24,203.04 3.11 10.80 54 110 2.70 5.51 598.48 975.41 0.15 0.25 8.58 4.03

4 > 200 300 250 12,592 73,788 9.55 55.94 6,429.79 30,632.83 2.87 13.67 71 181 3.56 9.06 1,488.08 2,463.49 0.37 0.62 23.14 8.04


NUMBER OF POLICIES



RP f


LOSS RATIO


rp RPBAND

rp

5 > 300 500 400 15,127 88,915 11.47 67.41 12,593.57 43,226.40 5.62 19.30 206 387 10.32 19.38 5,314.67 7,778.16 1.34 1.96 42.20 17.99

6 > 500 750 625 9,045 97,960 6.86 74.27 10,111.47 53,337.86 4.51 23.81 51 438 2.55 21.93 5,499.77 13,277.93 1.38 3.34 54.39 24.89

7 > 750 1,000 875 6,890 104,850 5.22 79.49 10,126.52 63,464.38 4.52 28.33 49 487 2.45 24.39 3,311.59 16,589.52 0.83 4.18 32.70 26.14

8 > 1,000 1,500 1,250 6,285 111,135 4.76 84.26 12,483.71 75,948.09 5.57 33.90 157 644 7.86 32.25 6,382.03 22,971.55 1.61 5.78 51.12 30.25

9 > 1,500 2,000 1,750 3,720 114,855 2.82 87.08 9,858.20 85,806.29 4.40 38.30 48 692 2.40 34.65 5,722.31 28,693.86 1.44 7.22 58.05 33.44

10 > 2,000 2,500 2,250 2,094 116,949 1.59 88.66 8,456.76 94,263.05 3.77 42.08 49 741 2.45 37.11 4,629.23 33,323.09 1.17 8.39 54.74 35.35

11 > 2,500 3,000 2,750 1,672 118,621 1.27 89.93 6,685.16 100,948.21 2.98 45.06 42 783 2.10 39.21 1,882.48 35,205.57 0.47 8.86 28.16 34.87

12 > 3,000 4,000 3,500 1,963 120,584 1.49 91.42 9,676.33 110,624.55 4.32 49.38 57 840 2.85 42.06 5,835.60 41,041.17 1.47 10.33 60.31 37.10

13 > 4,000 5,000 4,500 1,454 122,038 1.10 92.52 8,332.86 118,957.40 3.72 53.10 56 896 2.80 44.87 6,022.17 47,063.34 1.52 11.85 72.27 39.56

14 > 5,000 7,500 6,250 2,096 124,134 1.59 94.11 13,714.39 132,671.79 6.12 59.22 134 1,030 6.71 51.58 10,209.68 57,273.02 2.57 14.42 74.45 43.17

15 > 7,500 10,000 8,750 1,163 125,297 0.88 94.99 10,734.16 143,405.95 4.79 64.01 59 1,089 2.95 54.53 5,568.21 62,841.23 1.40 15.82 51.87 43.82

16 > 10,000 20,000 15,000 2,109 127,406 1.60 96.59 25,763.37 169,169.32 11.50 75.51 149 1,238 7.46 61.99 30,653.43 93,494.66 7.72 23.54 118.98 55.27

17 > 20,000 50,000 35,000 2,054 129,460 1.56 98.15 23,919.58 193,088.90 10.68 86.19 184 1,422 9.21 71.21 47,671.23 141,165.89 12.00 35.54 199.30 73.1117 > 20,000 50,000 35,000 2,054 129,460 1.56 98.15 23,919.58 193,088.90 10.68 86.19 184 1,422 9.21 71.21 47,671.23 141,165.89 12.00 35.54 199.30 73.11

18 > 50,000 100,000 75,000 905 130,365 0.69 98.83 9,003.83 202,092.73 4.02 90.21 139 1,561 6.96 78.17 13,277.10 154,443.00 3.34 38.89 147.46 76.42

19 > 100,000 500,000 300,000 1,119 131,484 0.85 99.68 13,515.73 215,608.46 6.03 96.24 306 1,867 15.32 93.49 179,211.95 333,654.94 45.12 84.01 1,325,95 154.75

20 > 500,000 418 131,902 0.32 100.00 8,417.26 224,025.72 3.76 100.00 130 1,997 6.51 100.00 63,494.32 397,149.26 15.99 100.00 754.33 177.28

T O T A L 131,902 224,025.72 1,997 397,149.26 177.28

Page 32 of 204


RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 14 - KALIMANTAN BARAT PROCESSING DATE : 15/09/2013


1 0 50 25 9,185 9,185 23.92 23.92 4,085.98 4,085.98 7.10 7.10 10 10 3.18 3.18 104.76 104.76 0.10 0.10 2.56 2.56

2 > 50 100 75 9,099 18,284 23.70 47.63 4,186.06 8,272.04 7.28 14.38 24 34 7.64 10.83 687.84 792.60 0.68 0.78 16.43 9.58

3 > 100 200 150 10,043 28,327 26.16 73.79 9,294.45 17,566.50 16.16 30.54 64 98 20.38 31.21 3,295.26 4,087.86 3.26 4.05 35.45 23.27

4 > 200 300 250 3,652 31,979 9.51 83.30 5,793.32 23,359.82 10.07 40.62 31 129 9.87 41.08 1,796.75 5,884.60 1.78 5.82 31.01 25.19

5 > 300 500 400 2,848 34,827 7.42 90.72 6,643.34 30,003.16 11.55 52.17 50 179 15.92 57.01 3,474.15 9,358.75 3.44 9.26 52.30 31.19

6 > 500 750 625 1,038 35,865 2.70 93.42 3,321.89 33,325.05 5.78 57.94 10 189 3.18 60.19 1,109.58 10,468.33 1.10 10.36 33.40 31.41


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

6 > 500 750 625 1,038 35,865 2.70 93.42 3,321.89 33,325.05 5.78 57.94 10 189 3.18 60.19 1,109.58 10,468.33 1.10 10.36 33.40 31.41

7 > 750 1,000 875 686 36,551 1.79 95.21 2,737.33 36,062.38 4.76 62.70 1 190 0.32 60.51 0.00 10,468.33 0.00 10.36 0.00 29.03

8 > 1,000 1,500 1,250 470 37,021 1.22 96.43 2,098.69 38,161.08 3.65 66.35 7 197 2.23 62.74 79.39 10,547.72 0.08 10.44 3.78 27.64

9 > 1,500 2,000 1,750 230 37,251 0.60 97.03 1,471.25 39,632.32 2.56 68.91 0 197 0.00 62.74 0.00 10,547.72 0.00 10.44 0.00 26.61

10 > 2,000 2,500 2,250 164 37,415 0.43 97.46 1,006.59 40,638.91 1.75 70.66 3 200 0.96 63.69 57.76 10,605.48 0.06 10.50 5.74 26.10

11 > 2,500 3,000 2,750 122 37,537 0.32 97.78 739.63 41,378.54 1.29 71.94 0 200 0.00 63.69 0.00 10,605.48 0.00 10.50 0.00 25.63

12 > 3,000 4,000 3,500 145 37,682 0.38 98.15 1,099.07 42,477.61 1.91 73.86 3 203 0.96 64.65 379.30 10,984.78 0.38 10.87 34.51 25.86

13 > 4,000 5,000 4,500 81 37,763 0.21 98.36 688.86 43,166.47 1.20 75.05 12 215 3.82 68.47 587.40 11,572.18 0.58 11.45 85.27 26.81

14 > 5,000 7,500 6,250 116 37,879 0.30 98.67 1,103.41 44,269.88 1.92 76.97 4 219 1.27 69.75 80.12 11,652.30 0.08 11.53 7.26 26.32

15 > 7,500 10,000 8,750 62 37,941 0.16 98.83 830.07 45,099.95 1.44 78.42 15 234 4.78 74.52 464.77 12,117.07 0.46 11.99 55.99 26.87

16 > 10,000 20,000 15,000 162 38,103 0.42 99.25 2,998.30 48,098.25 5.21 83.63 29 263 9.24 83.76 14,989.75 27,106.82 14.84 26.83 499.94 56.36

17 > 20,000 50,000 35,000 151 38,254 0.39 99.64 1,918.16 50,016.41 3.34 86.96 17 280 5.41 89.17 4,064.36 31,171.17 4.02 30.85 211.89 62.32

18 > 50,000 100,000 75,000 65 38,319 0.17 99.81 5,530.57 55,546.97 9.62 96.58 11 291 3.50 92.68 2,054.99 33,226.16 2.03 32.89 37.16 59.82

19 > 100,000 500,000 300,000 57 38,376 0.15 99.96 1,718.44 57,265.42 2.99 99.57 23 314 7.32 100.00 67,800.47 101,026.63 67.11 100.00 3,945,56 176.4219 > 100,000 500,000 300,000 57 38,376 0.15 99.96 1,718.44 57,265.42 2.99 99.57 23 314 7.32 100.00 67,800.47 101,026.63 67.11 100.00 3,945,56 176.42

20 > 500,000 15 38,391 0.04 100.00 248.98 57,514.40 0.43 100.00 0 314 0.00 100.00 0.00 101,026.63 0.00 100.00 0.00 175.65

T O T A L 38,391 57,514.40 314 101,026.63 175.65

Page 33 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 15 - KALIMANTAN TENGAH PROCESSING DATE : 15/09/2013


1 0 50 25 1,659 1,659 18.80 18.80 803.38 803.38 5.64 5.64 4 4 3.03 3.03 86.00 86.00 1.51 1.51 10.70 10.70

2 > 50 100 75 1,728 3,387 19.59 38.39 624.64 1,428.01 4.38 10.02 4 8 3.03 6.06 72.46 158.46 1.27 2.79 11.60 11.10

3 > 100 200 150 1,785 5,172 20.23 58.62 1,269.63 2,697.64 8.91 18.93 0 8 0.00 6.06 0.00 158.46 0.00 2.79 0.00 5.87

4 > 200 300 250 923 6,095 10.46 69.08 974.73 3,672.37 6.84 25.77 4 12 3.03 9.09 175.60 334.05 3.09 5.88 18.02 9.10

5 > 300 500 400 994 7,089 11.27 80.35 1,745.88 5,418.25 12.25 38.02 23 35 17.42 26.52 588.62 922.68 10.36 16.23 33.72 17.03

6 > 500 750 625 482 7,571 5.46 85.81 1,508.44 6,926.69 10.59 48.61 2 37 1.52 28.03 36.00 958.68 0.63 16.87 2.39 13.84

7 > 750 1,000 875 302 7,873 3.42 89.23 874.08 7,800.76 6.13 54.74 4 41 3.03 31.06 723.37 1,682.05 12.73 29.59 82.76 21.56

8 > 1,000 1,500 1,250 255 8,128 2.89 92.12 1,202.53 9,003.29 8.44 63.18 0 41 0.00 31.06 0.00 1,682.05 0.00 29.59 0.00 18.68


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

8 > 1,000 1,500 1,250 255 8,128 2.89 92.12 1,202.53 9,003.29 8.44 63.18 0 41 0.00 31.06 0.00 1,682.05 0.00 29.59 0.00 18.68

9 > 1,500 2,000 1,750 122 8,250 1.38 93.51 548.59 9,551.88 3.85 67.03 0 41 0.00 31.06 0.00 1,682.05 0.00 29.59 0.00 17.61

10 > 2,000 2,500 2,250 76 8,326 0.86 94.37 270.88 9,822.76 1.90 68.93 0 41 0.00 31.06 0.00 1,682.05 0.00 29.59 0.00 17.12

11 > 2,500 3,000 2,750 48 8,374 0.54 94.91 246.68 10,069.44 1.73 70.66 0 41 0.00 31.06 0.00 1,682.05 0.00 29.59 0.00 16.70

12 > 3,000 4,000 3,500 50 8,424 0.57 95.48 264.03 10,333.47 1.85 72.51 0 41 0.00 31.06 0.00 1,682.05 0.00 29.59 0.00 16.28

13 > 4,000 5,000 4,500 34 8,458 0.39 95.86 207.01 10,540.48 1.45 73.97 0 41 0.00 31.06 0.00 1,682.05 0.00 29.59 0.00 15.96

14 > 5,000 7,500 6,250 60 8,518 0.68 96.54 370.44 10,910.92 2.60 76.57 16 57 12.12 43.18 70.13 1,752.19 1.23 30.83 18.93 16.06

15 > 7,500 10,000 8,750 28 8,546 0.32 96.86 244.88 11,155.80 1.72 78.28 14 71 10.61 53.79 731.42 2,483.60 12.87 43.69 298.68 22.26

16 > 10,000 20,000 15,000 79 8,625 0.90 97.76 914.59 12,070.39 6.42 84.70 2 73 1.52 55.30 35.00 2,518.60 0.62 44.31 3.83 20.87

17 > 20,000 50,000 35,000 73 8,698 0.83 98.58 891.60 12,961.98 6.26 90.96 26 99 19.70 75.00 1,864.26 4,382.86 32.80 77.11 209.09 33.81

18 > 50,000 100,000 75,000 69 8,767 0.78 99.37 832.75 13,794.73 5.84 96.80 23 122 17.42 92.42 315.09 4,697.95 5.54 82.65 37.84 34.06

19 > 100,000 500,000 300,000 45 8,812 0.51 99.88 379.14 14,173.87 2.66 99.46 5 127 3.79 96.21 755.71 5,453.67 13.29 95.94 199.33 38.48

20 > 500,000 11 8,823 0.12 100.00 76.40 14,250.27 0.54 100.00 5 132 3.79 100.00 230.59 5,684.25 4.06 100.00 301.80 39.89

T O T A L 8,823 14,250.27 132 5,684.25 39.89T O T A L 8,823 14,250.27 132 5,684.25 39.89

Page 34 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 16 - KALIMANTAN SELATAN PROCESSING DATE : 15/09/2013


1 0 50 25 3,873 3,873 20.69 20.69 1,472.35 1,472.35 6.42 6.42 5 5 2.65 2.65 51.49 51.49 0.39 0.39 3.50 3.50

2 > 50 100 75 3,212 7,085 17.16 37.85 712.15 2,184.50 3.10 9.52 8 13 4.23 6.88 133.96 185.45 1.02 1.42 18.81 8.49

3 > 100 200 150 3,942 11,027 21.06 58.90 1,562.44 3,746.94 6.81 16.33 2 15 1.06 7.94 14.64 200.09 0.11 1.53 0.94 5.34

4 > 200 300 250 2,069 13,096 11.05 69.96 1,217.84 4,964.78 5.31 21.64 2 17 1.06 8.99 180.29 380.37 1.38 2.91 14.80 7.66

5 > 300 500 400 1,969 15,065 10.52 80.48 1,988.65 6,953.43 8.67 30.31 25 42 13.23 22.22 338.07 718.44 2.58 5.49 17.00 10.33

6 > 500 750 625 1,010 16,075 5.40 85.87 1,639.65 8,593.09 7.15 37.46 10 52 5.29 27.51 923.39 1,641.83 7.06 12.55 56.32 19.11

7 > 750 1,000 875 580 16,655 3.10 88.97 1,632.78 10,225.87 7.12 44.58 9 61 4.76 32.28 506.15 2,147.98 3.87 16.42 31.00 21.01


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

7 > 750 1,000 875 580 16,655 3.10 88.97 1,632.78 10,225.87 7.12 44.58 9 61 4.76 32.28 506.15 2,147.98 3.87 16.42 31.00 21.01

8 > 1,000 1,500 1,250 454 17,109 2.43 91.39 1,297.99 11,523.86 5.66 50.23 13 74 6.88 39.15 171.39 2,319.37 1.31 17.73 13.20 20.13

9 > 1,500 2,000 1,750 270 17,379 1.44 92.84 1,013.97 12,537.82 4.42 54.65 2 76 1.06 40.21 3.22 2,322.58 0.02 17.75 0.32 18.52

10 > 2,000 2,500 2,250 170 17,549 0.91 93.74 1,021.73 13,559.55 4.45 59.11 4 80 2.12 42.33 2,168.09 4,490.68 16.57 34.33 212.20 33.12

11 > 2,500 3,000 2,750 114 17,663 0.61 94.35 609.99 14,169.54 2.66 61.77 6 86 3.17 45.50 325.35 4,816.02 2.49 36.81 53.34 33.99

12 > 3,000 4,000 3,500 154 17,817 0.82 95.18 858.91 15,028.45 3.74 65.51 0 86 0.00 45.50 0.00 4,816.02 0.00 36.81 0.00 32.05

13 > 4,000 5,000 4,500 121 17,938 0.65 95.82 690.15 15,718.59 3.01 68.52 1 87 0.53 46.03 0.00 4,816.02 0.00 36.81 0.00 30.64

14 > 5,000 7,500 6,250 134 18,072 0.72 96.54 1,168.15 16,886.74 5.09 73.61 2 89 1.06 47.09 51.03 4,867.05 0.39 37.20 4.37 28.82

15 > 7,500 10,000 8,750 106 18,178 0.57 97.10 1,074.68 17,961.43 4.68 78.30 13 102 6.88 53.97 142.98 5,010.02 1.09 38.30 13.30 27.89

16 > 10,000 20,000 15,000 160 18,338 0.85 97.96 (792,05) 17,169.38 (3,45) 74.84 9 111 4.76 58.73 169.27 5,179.29 1.29 39.59 (21,37) 30.17

17 > 20,000 50,000 35,000 141 18,479 0.75 98.71 2,201.66 19,371.04 9.60 84.44 1 112 0.53 59.26 0.00 5,179.29 0.00 39.59 0.00 26.74

18 > 50,000 100,000 75,000 110 18,589 0.59 99.30 1,691.96 21,063.00 7.38 91.82 18 130 9.52 68.78 135.96 5,315.25 1.04 40.63 8.04 25.24

19 > 100,000 500,000 300,000 94 18,683 0.50 99.80 1,372.47 22,435.47 5.98 97.80 52 182 27.51 96.30 7,486.40 12,801.64 57.23 97.86 545.47 57.06

20 > 500,000 37 18,720 0.20 100.00 504.96 22,940.43 2.20 100.00 7 189 3.70 100.00 280.58 13,082.23 2.14 100.00 55.57 57.0320 > 500,000 37 18,720 0.20 100.00 504.96 22,940.43 2.20 100.00 7 189 3.70 100.00 280.58 13,082.23 2.14 100.00 55.57 57.03

T O T A L 18,720 22,940.43 189 13,082.23 57.03

Page 35 of 204


RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 17 - KALIMANTAN TIMUR PROCESSING DATE : 15/09/2013


1 0 50 25 3,875 3,875 13.77 13.77 2,958.61 2,958.61 5.50 5.50 10 10 2.89 2.89 143.20 143.20 0.07 0.07 4.84 4.84

2 > 50 100 75 3,607 7,482 12.82 26.58 1,109.72 4,068.33 2.06 7.57 8 18 2.31 5.20 209.86 353.06 0.11 0.18 18.91 8.68

3 > 100 200 150 5,208 12,690 18.50 45.09 2,576.88 6,645.21 4.79 12.36 12 30 3.47 8.67 262.77 615.84 0.14 0.32 10.20 9.27

4 > 200 300 250 3,472 16,162 12.34 57.42 2,581.43 9,226.65 4.80 17.16 6 36 1.73 10.40 178.19 794.03 0.09 0.41 6.90 8.61

5 > 300 500 400 4,116 20,278 14.62 72.05 4,714.90 13,941.55 8.77 25.93 29 65 8.38 18.79 1,036.85 1,830.88 0.53 0.94 21.99 13.13

6 > 500 750 625 2,141 22,419 7.61 79.65 3,828.46 17,770.01 7.12 33.06 7 72 2.02 20.81 562.82 2,393.70 0.29 1.23 14.70 13.47

CLAIM SEVERITY (in million Rupiah)PERCENTAGE


LOSS RATIO

f FPERCENTAGE


RPPERCENTAGE

rp RPBAND

rp


NUMBER OF POLICIES


6 > 500 750 625 2,141 22,419 7.61 79.65 3,828.46 17,770.01 7.12 33.06 7 72 2.02 20.81 562.82 2,393.70 0.29 1.23 14.70 13.47

7 > 750 1,000 875 1,544 23,963 5.49 85.14 3,929.34 21,699.35 7.31 40.37 10 82 2.89 23.70 1,019.82 3,413.53 0.53 1.76 25.95 15.73

8 > 1,000 1,500 1,250 1,173 25,136 4.17 89.31 3,939.46 25,638.81 7.33 47.69 18 100 5.20 28.90 100.95 3,514.48 0.05 1.81 2.56 13.71

9 > 1,500 2,000 1,750 613 25,749 2.18 91.48 2,582.02 28,220.83 4.80 52.50 4 104 1.16 30.06 73.08 3,587.56 0.04 1.85 2.83 12.71

10 > 2,000 2,500 2,250 299 26,048 1.06 92.55 1,202.96 29,423.79 2.24 54.74 0 104 0.00 30.06 0.00 3,587.56 0.00 1.85 0.00 12.19

11 > 2,500 3,000 2,750 274 26,322 0.97 93.52 1,613.28 31,037.07 3.00 57.74 16 120 4.62 34.68 3,770.60 7,358.16 1.94 3.79 233.72 23.71

12 > 3,000 4,000 3,500 277 26,599 0.98 94.50 1,684.51 32,721.58 3.13 60.87 18 138 5.20 39.88 3,669.86 11,028.02 1.89 5.68 217.86 33.70

13 > 4,000 5,000 4,500 190 26,789 0.68 95.18 1,347.86 34,069.43 2.51 63.38 0 138 0.00 39.88 0.00 11,028.02 0.00 5.68 0.00 32.37

14 > 5,000 7,500 6,250 234 27,023 0.83 96.01 2,235.43 36,304.87 4.16 67.54 8 146 2.31 42.20 7,935.95 18,963.97 4.09 9.77 355.01 52.24

15 > 7,500 10,000 8,750 165 27,188 0.59 96.60 1,327.90 37,632.77 2.47 70.01 0 146 0.00 42.20 0.00 18,963.97 0.00 9.77 0.00 50.39

16 > 10,000 20,000 15,000 244 27,432 0.87 97.46 4,439.72 42,072.49 8.26 78.27 12 158 3.47 45.66 1,283.52 20,247.50 0.66 10.43 28.91 48.13

17 > 20,000 50,000 35,000 292 27,724 1.04 98.50 3,076.58 45,149.08 5.72 83.99 18 176 5.20 50.87 308.71 20,556.20 0.16 10.59 10.03 45.53

18 > 50,000 100,000 75,000 139 27,863 0.49 98.99 1,813.85 46,962.93 3.37 87.36 17 193 4.91 55.78 5,263.64 25,819.85 2.71 13.30 290.19 54.98

19 > 100,000 500,000 300,000 214 28,077 0.76 99.75 4,144.14 51,107.07 7.71 95.07 137 330 39.60 95.38 15,874.41 41,694.26 8.18 21.47 383.06 81.5819 > 100,000 500,000 300,000 214 28,077 0.76 99.75 4,144.14 51,107.07 7.71 95.07 137 330 39.60 95.38 15,874.41 41,694.26 8.18 21.47 383.06 81.58

20 > 500,000 69 28,146 0.25 100.00 2,649.05 53,756.12 4.93 100.00 16 346 4.62 100.00 152,471.56 194,165.82 78.53 100.00 5,755,70 361.20

T O T A L 28,146 53,756.12 346 194,165.82 361.20

Page 36 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 18 - SULAWESI UTARA PROCESSING DATE : 15/09/2013


1 0 50 25 1,868 1,868 14.38 14.38 848.82 848.82 4.33 4.33 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 1,440 3,308 11.09 25.47 356.41 1,205.23 1.82 6.15 2 2 3.45 3.45 48.00 48.00 0.09 0.09 13.47 3.98

3 > 100 200 150 2,431 5,739 18.72 44.18 829.47 2,034.70 4.23 10.38 6 8 10.34 13.79 224.97 272.97 0.42 0.51 27.12 13.42

4 > 200 300 250 1,606 7,345 12.36 56.55 771.89 2,806.60 3.94 14.32 2 10 3.45 17.24 130.00 402.97 0.24 0.76 16.84 14.36

5 > 300 500 400 1,776 9,121 13.67 70.22 1,518.62 4,325.22 7.75 22.07 15 25 25.86 43.10 1,232.32 1,635.28 2.32 3.07 81.15 37.81

6 > 500 750 625 914 10,035 7.04 77.26 1,403.27 5,728.49 7.16 29.23 2 27 3.45 46.55 19.09 1,654.38 0.04 3.11 1.36 28.88

7 > 750 1,000 875 727 10,762 5.60 82.85 1,498.15 7,226.64 7.65 36.88 0 27 0.00 46.55 0.00 1,654.38 0.00 3.11 0.00 22.89


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

7 > 750 1,000 875 727 10,762 5.60 82.85 1,498.15 7,226.64 7.65 36.88 0 27 0.00 46.55 0.00 1,654.38 0.00 3.11 0.00 22.89

8 > 1,000 1,500 1,250 657 11,419 5.06 87.91 1,916.59 9,143.24 9.78 46.66 0 27 0.00 46.55 0.00 1,654.38 0.00 3.11 0.00 18.09

9 > 1,500 2,000 1,750 374 11,793 2.88 90.79 1,322.00 10,465.24 6.75 53.41 0 27 0.00 46.55 0.00 1,654.38 0.00 3.11 0.00 15.81

10 > 2,000 2,500 2,250 181 11,974 1.39 92.19 949.10 11,414.34 4.84 58.25 9 36 15.52 62.07 2,126.45 3,780.83 4.00 7.10 224.05 33.12

11 > 2,500 3,000 2,750 144 12,118 1.11 93.29 900.88 12,315.22 4.60 62.85 4 40 6.90 68.97 320.55 4,101.37 0.60 7.71 35.58 33.30

12 > 3,000 4,000 3,500 194 12,312 1.49 94.79 939.81 13,255.02 4.80 67.64 2 42 3.45 72.41 0.00 4,101.37 0.00 7.71 0.00 30.94

13 > 4,000 5,000 4,500 82 12,394 0.63 95.42 530.52 13,785.54 2.71 70.35 3 45 5.17 77.59 69.30 4,170.67 0.13 7.84 13.06 30.25

14 > 5,000 7,500 6,250 173 12,567 1.33 96.75 1,295.08 15,080.62 6.61 76.96 0 45 0.00 77.59 0.00 4,170.67 0.00 7.84 0.00 27.66

15 > 7,500 10,000 8,750 107 12,674 0.82 97.57 1,013.37 16,093.99 5.17 82.13 0 45 0.00 77.59 0.00 4,170.67 0.00 7.84 0.00 25.91

16 > 10,000 20,000 15,000 114 12,788 0.88 98.45 1,467.82 17,561.81 7.49 89.62 0 45 0.00 77.59 0.00 4,170.67 0.00 7.84 0.00 23.75

17 > 20,000 50,000 35,000 97 12,885 0.75 99.20 1,010.34 18,572.15 5.16 94.78 9 54 15.52 93.10 49,047.25 53,217.92 92.15 99.99 4,854,52 286.55

18 > 50,000 100,000 75,000 29 12,914 0.22 99.42 352.86 18,925.01 1.80 96.58 1 55 1.72 94.83 0.00 53,217.92 0.00 99.99 0.00 281.20

19 > 100,000 500,000 300,000 68 12,982 0.52 99.95 469.96 19,394.97 2.40 98.98 3 58 5.17 100.00 5.52 53,223.44 0.01 100.00 1.17 274.42

20 > 500,000 7 12,989 0.05 100.00 200.31 19,595.28 1.02 100.00 0 58 0.00 100.00 0.00 53,223.44 0.00 100.00 0.00 271.6120 > 500,000 7 12,989 0.05 100.00 200.31 19,595.28 1.02 100.00 0 58 0.00 100.00 0.00 53,223.44 0.00 100.00 0.00 271.61

T O T A L 12,989 19,595.28 58 53,223.44 271.61

Page 37 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 19 - SULAWESI TENGAH PROCESSING DATE : 15/09/2013


1 0 50 25 1,245 1,245 18.23 18.23 322.49 322.49 2.90 2.90 2 2 20.00 20.00 3.87 3.87 2.45 2.45 1.20 1.20

2 > 50 100 75 959 2,204 14.04 32.27 266.52 589.01 2.40 5.30 2 4 20.00 40.00 94.56 98.42 59.96 62.41 35.48 16.71

3 > 100 200 150 1,239 3,443 18.14 50.42 609.22 1,198.23 5.49 10.79 2 6 20.00 60.00 2.47 100.89 1.57 63.98 0.41 8.42

4 > 200 300 250 828 4,271 12.12 62.54 988.24 2,186.47 8.90 19.69 0 6 0.00 60.00 0.00 100.89 0.00 63.98 0.00 4.61

5 > 300 500 400 878 5,149 12.86 75.40 1,408.32 3,594.80 12.68 32.37 4 10 40.00 100.00 56.81 157.70 36.02 100.00 4.03 4.39

6 > 500 750 625 470 5,619 6.88 82.28 1,037.34 4,632.14 9.34 41.72 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 3.40

7 > 750 1,000 875 329 5,948 4.82 87.10 1,005.83 5,637.97 9.06 50.78 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 2.80

8 > 1,000 1,500 1,250 284 6,232 4.16 91.26 1,102.83 6,740.81 9.93 60.71 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 2.34


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

8 > 1,000 1,500 1,250 284 6,232 4.16 91.26 1,102.83 6,740.81 9.93 60.71 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 2.34

9 > 1,500 2,000 1,750 162 6,394 2.37 93.63 843.80 7,584.60 7.60 68.31 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 2.08

10 > 2,000 2,500 2,250 82 6,476 1.20 94.83 529.99 8,114.59 4.77 73.08 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 1.94

11 > 2,500 3,000 2,750 47 6,523 0.69 95.52 331.67 8,446.26 2.99 76.07 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 1.87

12 > 3,000 4,000 3,500 70 6,593 1.03 96.54 524.70 8,970.96 4.73 80.79 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 1.76

13 > 4,000 5,000 4,500 55 6,648 0.81 97.35 404.69 9,375.65 3.64 84.44 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 1.68

14 > 5,000 7,500 6,250 63 6,711 0.92 98.27 424.87 9,800.52 3.83 88.26 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 1.61

15 > 7,500 10,000 8,750 36 6,747 0.53 98.80 310.32 10,110.84 2.79 91.06 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 1.56

16 > 10,000 20,000 15,000 22 6,769 0.32 99.12 592.98 10,703.81 5.34 96.40 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 1.47

17 > 20,000 50,000 35,000 36 6,805 0.53 99.65 286.02 10,989.83 2.58 98.97 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 1.43

18 > 50,000 100,000 75,000 19 6,824 0.28 99.93 79.79 11,069.63 0.72 99.69 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 1.42

19 > 100,000 500,000 300,000 5 6,829 0.07 100.00 34.18 11,103.80 0.31 100.00 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 1.42

20 > 500,000 0 6,829 0.00 100.00 0.00 11,103.80 0.00 100.00 0 10 0.00 100.00 0.00 157.70 0.00 100.00 0.00 1.42

T O T A L 6,829 11,103.80 10 157.70 1.42T O T A L 6,829 11,103.80 10 157.70 1.42

Page 38 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 20 - SULAWESI SELATAN PROCESSING DATE : 15/09/2013


1 0 50 25 5,264 5,264 15.24 15.24 1,958.83 1,958.83 4.11 4.11 6 6 3.82 3.82 47.00 47.00 0.28 0.28 2.40 2.40

2 > 50 100 75 6,298 11,562 18.23 33.47 1,252.70 3,211.53 2.63 6.74 12 18 7.64 11.46 123.06 170.06 0.72 1.00 9.82 5.30

3 > 100 200 150 7,341 18,903 21.25 54.72 2,868.45 6,079.97 6.02 12.75 4 22 2.55 14.01 33.35 203.41 0.20 1.20 1.16 3.35

4 > 200 300 250 3,994 22,897 11.56 66.29 3,155.63 9,235.60 6.62 19.37 9 31 5.73 19.75 390.12 593.53 2.30 3.50 12.36 6.43

5 > 300 500 400 4,087 26,984 11.83 78.12 5,432.86 14,668.47 11.39 30.76 22 53 14.01 33.76 1,245.98 1,839.51 7.34 10.83 22.93 12.54

6 > 500 750 625 2,162 29,146 6.26 84.38 4,876.65 19,545.12 10.23 40.99 8 61 5.10 38.85 218.94 2,058.45 1.29 12.12 4.49 10.53

7 > 750 1,000 875 1,352 30,498 3.91 88.29 3,618.36 23,163.48 7.59 48.58 10 71 6.37 45.22 1,701.15 3,759.60 10.02 22.14 47.01 16.23


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

8 > 1,000 1,500 1,250 1,095 31,593 3.17 91.46 3,550.58 26,714.07 7.45 56.03 6 77 3.82 49.04 2,298.36 6,057.96 13.54 35.68 64.73 22.68

9 > 1,500 2,000 1,750 626 32,219 1.81 93.27 2,373.51 29,087.58 4.98 61.01 13 90 8.28 57.32 4,012.22 10,070.18 23.63 59.31 169.04 34.62

10 > 2,000 2,500 2,250 328 32,547 0.95 94.22 1,409.94 30,497.52 2.96 63.96 6 96 3.82 61.15 30.92 10,101.10 0.18 59.50 2.19 33.12

11 > 2,500 3,000 2,750 294 32,841 0.85 95.08 1,486.74 31,984.27 3.12 67.08 5 101 3.18 64.33 198.35 10,299.45 1.17 60.66 13.34 32.20

12 > 3,000 4,000 3,500 341 33,182 0.99 96.06 1,666.80 33,651.07 3.50 70.58 4 105 2.55 66.88 1,971.33 12,270.78 11.61 72.27 118.27 36.46

13 > 4,000 5,000 4,500 190 33,372 0.55 96.61 1,274.28 34,925.34 2.67 73.25 8 113 5.10 71.97 239.57 12,510.36 1.41 73.69 18.80 35.82

14 > 5,000 7,500 6,250 312 33,684 0.90 97.52 2,029.13 36,954.47 4.26 77.50 8 121 5.10 77.07 304.83 12,815.18 1.80 75.48 15.02 34.68

15 > 7,500 10,000 8,750 155 33,839 0.45 97.96 1,518.20 38,472.68 3.18 80.69 0 121 0.00 77.07 0.00 12,815.18 0.00 75.48 0.00 33.31

16 > 10,000 20,000 15,000 243 34,082 0.70 98.67 3,055.75 41,528.43 6.41 87.10 6 127 3.82 80.89 43.73 12,858.91 0.26 75.74 1.43 30.96

17 > 20,000 50,000 35,000 217 34,299 0.63 99.30 2,519.69 44,048.12 5.28 92.38 2 129 1.27 82.17 32.67 12,891.59 0.19 75.93 1.30 29.27

18 > 50,000 100,000 75,000 93 34,392 0.27 99.57 1,490.57 45,538.68 3.13 95.51 8 137 5.10 87.26 167.55 13,059.14 0.99 76.92 11.24 28.68

19 > 100,000 500,000 300,000 99 34,491 0.29 99.85 1,190.91 46,729.60 2.50 98.01 14 151 8.92 96.18 846.68 13,905.82 4.99 81.90 71.10 29.76

20 > 500,000 51 34,542 0.15 100.00 950.95 47,680.55 1.99 100.00 6 157 3.82 100.00 3,072.24 16,978.06 18.10 100.00 323.07 35.61

T O T A L 34,542 47,680.55 157 16,978.06 35.61

Page 39 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 21 - SULAWESI TENGGARA PROCESSING DATE : 15/09/2013


1 0 50 25 663 663 14.07 14.07 235.44 235.44 4.00 4.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 743 1,406 15.77 29.85 145.99 381.43 2.48 6.49 2 2 10.00 10.00 37.72 37.72 1.09 1.09 25.84 9.89

3 > 100 200 150 931 2,337 19.76 49.61 333.08 714.51 5.66 12.15 4 6 20.00 30.00 109.99 147.70 3.17 4.26 33.02 20.67

4 > 200 300 250 604 2,941 12.82 62.43 406.55 1,121.06 6.91 19.07 3 9 15.00 45.00 128.11 275.81 3.70 7.96 31.51 24.60

5 > 300 500 400 689 3,630 14.63 77.05 902.62 2,023.68 15.35 34.42 5 14 25.00 70.00 90.60 366.42 2.61 10.57 10.04 18.11

6 > 500 750 625 381 4,011 8.09 85.14 727.05 2,750.73 12.36 46.78 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 13.32

7 > 750 1,000 875 213 4,224 4.52 89.66 579.88 3,330.61 9.86 56.64 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 11.00

8 > 1,000 1,500 1,250 189 4,413 4.01 93.67 628.17 3,958.77 10.68 67.33 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 9.26


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

8 > 1,000 1,500 1,250 189 4,413 4.01 93.67 628.17 3,958.77 10.68 67.33 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 9.26

9 > 1,500 2,000 1,750 79 4,492 1.68 95.35 312.67 4,271.45 5.32 72.64 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 8.58

10 > 2,000 2,500 2,250 32 4,524 0.68 96.03 158.96 4,430.40 2.70 75.35 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 8.27

11 > 2,500 3,000 2,750 29 4,553 0.62 96.65 148.57 4,578.97 2.53 77.87 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 8.00

12 > 3,000 4,000 3,500 57 4,610 1.21 97.86 217.11 4,796.08 3.69 81.57 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 7.64

13 > 4,000 5,000 4,500 14 4,624 0.30 98.15 126.53 4,922.61 2.15 83.72 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 7.44

14 > 5,000 7,500 6,250 28 4,652 0.59 98.75 292.53 5,215.14 4.97 88.69 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 7.03

15 > 7,500 10,000 8,750 10 4,662 0.21 98.96 69.50 5,284.64 1.18 89.87 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 6.93

16 > 10,000 20,000 15,000 18 4,680 0.38 99.34 157.82 5,442.46 2.68 92.56 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 6.73

17 > 20,000 50,000 35,000 17 4,697 0.36 99.70 236.40 5,678.86 4.02 96.58 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 6.45

18 > 50,000 100,000 75,000 2 4,699 0.04 99.75 20.18 5,699.04 0.34 96.92 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 6.43

19 > 100,000 500,000 300,000 7 4,706 0.15 99.89 24.97 5,724.02 0.42 97.35 0 14 0.00 70.00 0.00 366.42 0.00 10.57 0.00 6.40

20 > 500,000 5 4,711 0.11 100.00 156.02 5,880.03 2.65 100.00 6 20 30.00 100.00 3,100.59 3,467.01 89.43 100.00 1,987,33 58.96

T O T A L 4,711 5,880.03 20 3,467.01 58.96T O T A L 4,711 5,880.03 20 3,467.01 58.96

Page 40 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 22 - BALI PROCESSING DATE : 15/09/2013


1 0 50 25 4,624 4,624 16.57 16.57 2,215.63 2,215.63 4.45 4.45 12 12 3.23 3.23 54.43 54.43 0.34 0.34 2.46 2.46

2 > 50 100 75 3,275 7,899 11.74 28.31 555.67 2,771.30 1.12 5.57 4 16 1.08 4.30 6.56 60.99 0.04 0.38 1.18 2.20

3 > 100 200 150 3,807 11,706 13.65 41.96 1,112.93 3,884.23 2.24 7.81 4 20 1.08 5.38 41.75 102.74 0.26 0.63 3.75 2.64

4 > 200 300 250 2,635 14,341 9.44 51.40 1,426.00 5,310.23 2.87 10.67 6 26 1.61 6.99 169.47 272.20 1.04 1.68 11.88 5.13

5 > 300 500 400 3,330 17,671 11.94 63.34 2,689.56 7,999.79 5.41 16.08 47 73 12.63 19.62 880.93 1,153.13 5.43 7.10 32.75 14.41

6 > 500 750 625 1,957 19,628 7.01 70.35 2,531.75 10,531.54 5.09 21.17 26 99 6.99 26.61 1,865.32 3,018.44 11.49 18.59 73.68 28.66

7 > 750 1,000 875 1,861 21,489 6.67 77.02 5,415.48 15,947.01 10.88 32.05 28 127 7.53 34.14 1,056.22 4,074.67 6.51 25.10 19.50 25.55


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

8 > 1,000 1,500 1,250 1,570 23,059 5.63 82.65 3,558.20 19,505.22 7.15 39.20 25 152 6.72 40.86 1,914.21 5,988.88 11.79 36.89 53.80 30.70

9 > 1,500 2,000 1,750 1,037 24,096 3.72 86.37 2,887.54 22,392.76 5.80 45.00 22 174 5.91 46.77 65.47 6,054.35 0.40 37.30 2.27 27.04

10 > 2,000 2,500 2,250 617 24,713 2.21 88.58 2,028.64 24,421.40 4.08 49.08 10 184 2.69 49.46 113.68 6,168.03 0.70 38.00 5.60 25.26

11 > 2,500 3,000 2,750 421 25,134 1.51 90.09 1,673.35 26,094.74 3.36 52.44 9 193 2.42 51.88 38.71 6,206.74 0.24 38.23 2.31 23.79

12 > 3,000 4,000 3,500 628 25,762 2.25 92.34 2,840.25 28,934.99 5.71 58.15 18 211 4.84 56.72 155.43 6,362.18 0.96 39.19 5.47 21.99

13 > 4,000 5,000 4,500 326 26,088 1.17 93.51 1,856.52 30,791.51 3.73 61.88 15 226 4.03 60.75 2,817.13 9,179.30 17.35 56.55 151.74 29.81

14 > 5,000 7,500 6,250 433 26,521 1.55 95.06 3,053.28 33,844.79 6.14 68.02 15 241 4.03 64.78 688.25 9,867.55 4.24 60.79 22.54 29.16

15 > 7,500 10,000 8,750 282 26,803 1.01 96.07 2,186.94 36,031.73 4.40 72.41 6 247 1.61 66.40 440.86 10,308.41 2.72 63.50 20.16 28.61

16 > 10,000 20,000 15,000 380 27,183 1.36 97.43 3,835.10 39,866.83 7.71 80.12 28 275 7.53 73.92 895.25 11,203.66 5.51 69.02 23.34 28.10

17 > 20,000 50,000 35,000 355 27,538 1.27 98.70 3,210.40 43,077.24 6.45 86.57 32 307 8.60 82.53 324.45 11,528.11 2.00 71.01 10.11 26.76

18 > 50,000 100,000 75,000 116 27,654 0.42 99.12 1,187.71 44,264.95 2.39 88.96 12 319 3.23 85.75 147.06 11,675.17 0.91 71.92 12.38 26.38

19 > 100,000 500,000 300,000 140 27,794 0.50 99.62 2,218.14 46,483.09 4.46 93.42 44 363 11.83 97.58 3,404.88 15,080.05 20.97 92.89 153.50 32.44

20 > 500,000 106 27,900 0.38 100.00 3,275.33 49,758.42 6.58 100.00 9 372 2.42 100.00 1,153.46 16,233.51 7.11 100.00 35.22 32.62

T O T A L 27,900 49,758.42 372 16,233.51 32.62

Page 41 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 23 - NUSA TENGGARA BARAT PROCESSING DATE : 15/09/2013


1 0 50 25 1,744 1,744 21.44 21.44 313.20 313.20 3.44 3.44 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 1,431 3,175 17.59 39.04 278.25 591.45 3.06 6.50 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 1,633 4,808 20.08 59.12 721.45 1,312.90 7.93 14.44 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 838 5,646 10.30 69.42 653.50 1,966.40 7.19 21.62 3 3 1.27 1.27 21.19 21.19 0.58 0.58 3.24 1.08

5 > 300 500 400 868 6,514 10.67 80.09 923.94 2,890.35 10.16 31.78 6 9 2.53 3.80 27.18 48.38 0.75 1.33 2.94 1.67

6 > 500 750 625 424 6,938 5.21 85.31 709.53 3,599.88 7.80 39.58 2 11 0.84 4.64 14.41 62.79 0.40 1.73 2.03 1.74

7 > 750 1,000 875 340 7,278 4.18 89.49 561.04 4,160.92 6.17 45.75 4 15 1.69 6.33 1.76 64.56 0.05 1.77 0.31 1.55

8 > 1,000 1,500 1,250 258 7,536 3.17 92.66 693.53 4,854.45 7.63 53.38 2 17 0.84 7.17 5.78 70.34 0.16 1.93 0.83 1.45


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

8 > 1,000 1,500 1,250 258 7,536 3.17 92.66 693.53 4,854.45 7.63 53.38 2 17 0.84 7.17 5.78 70.34 0.16 1.93 0.83 1.45

9 > 1,500 2,000 1,750 101 7,637 1.24 93.90 408.00 5,262.45 4.49 57.87 13 30 5.49 12.66 290.61 360.95 7.99 9.92 71.23 6.86

10 > 2,000 2,500 2,250 108 7,745 1.33 95.23 381.99 5,644.44 4.20 62.07 0 30 0.00 12.66 0.00 360.95 0.00 9.92 0.00 6.39

11 > 2,500 3,000 2,750 55 7,800 0.68 95.91 268.76 5,913.20 2.96 65.02 0 30 0.00 12.66 0.00 360.95 0.00 9.92 0.00 6.10

12 > 3,000 4,000 3,500 73 7,873 0.90 96.80 415.07 6,328.27 4.56 69.59 2 32 0.84 13.50 2.51 363.46 0.07 9.99 0.60 5.74

13 > 4,000 5,000 4,500 65 7,938 0.80 97.60 332.51 6,660.77 3.66 73.24 6 38 2.53 16.03 664.06 1,027.52 18.25 28.24 199.71 15.43

14 > 5,000 7,500 6,250 58 7,996 0.71 98.32 493.05 7,153.83 5.42 78.66 2 40 0.84 16.88 37.58 1,065.10 1.03 29.27 7.62 14.89

15 > 7,500 10,000 8,750 19 8,015 0.23 98.55 120.56 7,274.39 1.33 79.99 0 40 0.00 16.88 0.00 1,065.10 0.00 29.27 0.00 14.64

16 > 10,000 20,000 15,000 50 8,065 0.61 99.16 1,041.38 8,315.77 11.45 91.44 172 212 72.57 89.45 454.30 1,519.40 12.48 41.75 43.62 18.27

17 > 20,000 50,000 35,000 38 8,103 0.47 99.63 389.36 8,705.13 4.28 95.72 8 220 3.38 92.83 1,091.07 2,610.47 29.98 71.73 280.22 29.99

18 > 50,000 100,000 75,000 16 8,119 0.20 99.83 114.08 8,819.21 1.25 96.98 11 231 4.64 97.47 941.77 3,552.24 25.88 97.61 825.52 40.28

19 > 100,000 500,000 300,000 13 8,132 0.16 99.99 90.51 8,909.72 1.00 97.97 6 237 2.53 100.00 86.82 3,639.06 2.39 100.00 95.93 40.84

20 > 500,000 1 8,133 0.01 100.00 184.41 9,094.13 2.03 100.00 0 237 0.00 100.00 0.00 3,639.06 0.00 100.00 0.00 40.02

T O T A L 8,133 9,094.13 237 3,639.06 40.02T O T A L 8,133 9,094.13 237 3,639.06 40.02

Page 42 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 24 - NUSA TENGGARA TIMUR PROCESSING DATE : 15/09/2013


1 0 50 25 825 825 13.12 13.12 104.99 104.99 1.20 1.20 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 1,160 1,985 18.45 31.57 219.70 324.70 2.51 3.71 2 2 13.33 13.33 33.89 33.89 2.85 2.85 15.42 10.44

3 > 100 200 150 1,184 3,169 18.83 50.40 534.56 859.26 6.11 9.82 0 2 0.00 13.33 0.00 33.89 0.00 2.85 0.00 3.94

4 > 200 300 250 644 3,813 10.24 60.64 510.73 1,369.99 5.84 15.66 2 4 13.33 26.67 189.41 223.30 15.91 18.75 37.09 16.30

5 > 300 500 400 842 4,655 13.39 74.03 1,141.55 2,511.54 13.05 28.71 2 6 13.33 40.00 28.00 251.29 2.35 21.10 2.45 10.01

6 > 500 750 625 487 5,142 7.74 81.77 980.46 3,492.00 11.21 39.91 3 9 20.00 60.00 190.95 442.24 16.04 37.14 19.48 12.66

7 > 750 1,000 875 367 5,509 5.84 87.61 1,069.06 4,561.07 12.22 52.13 0 9 0.00 60.00 0.00 442.24 0.00 37.14 0.00 9.70

8 > 1,000 1,500 1,250 267 5,776 4.25 91.86 1,055.32 5,616.38 12.06 64.19 3 12 20.00 80.00 82.48 524.72 6.93 44.07 7.82 9.34


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

8 > 1,000 1,500 1,250 267 5,776 4.25 91.86 1,055.32 5,616.38 12.06 64.19 3 12 20.00 80.00 82.48 524.72 6.93 44.07 7.82 9.34

9 > 1,500 2,000 1,750 156 5,932 2.48 94.34 706.42 6,322.80 8.07 72.27 3 15 20.00 100.00 665.97 1,190.69 55.93 100.00 94.27 18.83

10 > 2,000 2,500 2,250 84 6,016 1.34 95.67 398.83 6,721.64 4.56 76.82 0 15 0.00 100.00 0.00 1,190.69 0.00 100.00 0.00 17.71

11 > 2,500 3,000 2,750 62 6,078 0.99 96.66 439.50 7,161.14 5.02 81.85 0 15 0.00 100.00 0.00 1,190.69 0.00 100.00 0.00 16.63

12 > 3,000 4,000 3,500 51 6,129 0.81 97.47 364.28 7,525.41 4.16 86.01 0 15 0.00 100.00 0.00 1,190.69 0.00 100.00 0.00 15.82

13 > 4,000 5,000 4,500 30 6,159 0.48 97.95 229.58 7,755.00 2.62 88.63 0 15 0.00 100.00 0.00 1,190.69 0.00 100.00 0.00 15.35

14 > 5,000 7,500 6,250 36 6,195 0.57 98.52 298.18 8,053.18 3.41 92.04 0 15 0.00 100.00 0.00 1,190.69 0.00 100.00 0.00 14.79

15 > 7,500 10,000 8,750 19 6,214 0.30 98.82 132.73 8,185.91 1.52 93.56 0 15 0.00 100.00 0.00 1,190.69 0.00 100.00 0.00 14.55

16 > 10,000 20,000 15,000 38 6,252 0.60 99.43 291.03 8,476.94 3.33 96.89 0 15 0.00 100.00 0.00 1,190.69 0.00 100.00 0.00 14.05

17 > 20,000 50,000 35,000 29 6,281 0.46 99.89 223.45 8,700.38 2.55 99.44 0 15 0.00 100.00 0.00 1,190.69 0.00 100.00 0.00 13.69

18 > 50,000 100,000 75,000 1 6,282 0.02 99.90 16.55 8,716.93 0.19 99.63 0 15 0.00 100.00 0.00 1,190.69 0.00 100.00 0.00 13.66

19 > 100,000 500,000 300,000 5 6,287 0.08 99.98 8.22 8,725.15 0.09 99.72 0 15 0.00 100.00 0.00 1,190.69 0.00 100.00 0.00 13.65

20 > 500,000 1 6,288 0.02 100.00 24.28 8,749.42 0.28 100.00 0 15 0.00 100.00 0.00 1,190.69 0.00 100.00 0.00 13.61

T O T A L 6,288 8,749.42 15 1,190.69 13.61T O T A L 6,288 8,749.42 15 1,190.69 13.61

Page 43 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 25 - MALUKU PROCESSING DATE : 15/09/2013


1 0 50 25 337 337 15.84 15.84 167.89 167.89 3.81 3.81 2 2 11.11 11.11 40.53 40.53 0.08 0.08 24.14 24.14

2 > 50 100 75 305 642 14.33 30.17 66.82 234.71 1.52 5.32 2 4 11.11 22.22 43.07 83.59 0.08 0.16 64.45 35.61

3 > 100 200 150 321 963 15.08 45.25 158.53 393.24 3.60 8.92 0 4 0.00 22.22 0.00 83.59 0.00 0.16 0.00 21.26

4 > 200 300 250 233 1,196 10.95 56.20 185.27 578.51 4.20 13.12 0 4 0.00 22.22 0.00 83.59 0.00 0.16 0.00 14.45

5 > 300 500 400 260 1,456 12.22 68.42 352.12 930.63 7.99 21.11 0 4 0.00 22.22 0.00 83.59 0.00 0.16 0.00 8.98

6 > 500 750 625 135 1,591 6.34 74.77 307.63 1,238.27 6.98 28.09 0 4 0.00 22.22 0.00 83.59 0.00 0.16 0.00 6.75

7 > 750 1,000 875 130 1,721 6.11 80.87 398.19 1,636.45 9.03 37.13 4 8 22.22 44.44 109.93 193.52 0.21 0.36 27.61 11.83


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

8 > 1,000 1,500 1,250 128 1,849 6.02 86.89 459.16 2,095.61 10.42 47.54 0 8 0.00 44.44 0.00 193.52 0.00 0.36 0.00 9.23

9 > 1,500 2,000 1,750 64 1,913 3.01 89.90 344.74 2,440.36 7.82 55.36 0 8 0.00 44.44 0.00 193.52 0.00 0.36 0.00 7.93

10 > 2,000 2,500 2,250 34 1,947 1.60 91.49 172.54 2,612.90 3.91 59.28 0 8 0.00 44.44 0.00 193.52 0.00 0.36 0.00 7.41

11 > 2,500 3,000 2,750 24 1,971 1.13 92.62 137.79 2,750.68 3.13 62.40 0 8 0.00 44.44 0.00 193.52 0.00 0.36 0.00 7.04

12 > 3,000 4,000 3,500 22 1,993 1.03 93.66 204.17 2,954.85 4.63 67.04 0 8 0.00 44.44 0.00 193.52 0.00 0.36 0.00 6.55

13 > 4,000 5,000 4,500 23 2,016 1.08 94.74 190.73 3,145.59 4.33 71.36 0 8 0.00 44.44 0.00 193.52 0.00 0.36 0.00 6.15

14 > 5,000 7,500 6,250 22 2,038 1.03 95.77 261.69 3,407.28 5.94 77.30 0 8 0.00 44.44 0.00 193.52 0.00 0.36 0.00 5.68

15 > 7,500 10,000 8,750 18 2,056 0.85 96.62 79.81 3,487.09 1.81 79.11 2 10 11.11 55.56 1,752.27 1,945.79 3.29 3.66 2,195,48 55.80

16 > 10,000 20,000 15,000 29 2,085 1.36 97.98 395.09 3,882.18 8.96 88.07 2 12 11.11 66.67 36.52 1,982.32 0.07 3.72 9.24 51.06

17 > 20,000 50,000 35,000 13 2,098 0.61 98.59 171.88 4,054.06 3.90 91.97 0 12 0.00 66.67 0.00 1,982.32 0.00 3.72 0.00 48.90

18 > 50,000 100,000 75,000 18 2,116 0.85 99.44 209.42 4,263.48 4.75 96.73 6 18 33.33 100.00 51,244.56 53,226.88 96.28 100.00 24,469,92 1,248,44

19 > 100,000 500,000 300,000 12 2,128 0.56 100.00 144.35 4,407.83 3.27 100.00 0 18 0.00 100.00 0.00 53,226.88 0.00 100.00 0.00 1,207,55

20 > 500,000 0 2,128 0.00 100.00 0.00 4,407.83 0.00 100.00 0 18 0.00 100.00 0.00 53,226.88 0.00 100.00 0.00 1,207,55

T O T A L 2,128 4,407.83 18 53,226.88 1,207,55

Page 44 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 26 - IRIAN JAYA PROCESSING DATE : 15/09/2013


1 0 50 25 816 816 11.95 11.95 191.03 191.03 1.23 1.23 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 789 1,605 11.55 23.50 252.23 443.27 1.62 2.85 8 8 6.50 6.50 169.79 169.79 4.27 4.27 67.32 38.30

3 > 100 200 150 1,134 2,739 16.60 40.10 537.94 981.21 3.46 6.31 2 10 1.63 8.13 64.58 234.38 1.63 5.90 12.01 23.89

4 > 200 300 250 841 3,580 12.31 52.42 668.62 1,649.83 4.30 10.60 2 12 1.63 9.76 300.00 534.38 7.55 13.45 44.87 32.39

5 > 300 500 400 1,017 4,597 14.89 67.31 1,516.57 3,166.40 9.75 20.35 4 16 3.25 13.01 447.30 981.68 11.26 24.71 29.49 31.00

6 > 500 750 625 585 5,182 8.57 75.87 1,315.49 4,481.89 8.45 28.80 3 19 2.44 15.45 632.02 1,613.70 15.91 40.61 48.04 36.00

7 > 750 1,000 875 448 5,630 6.56 82.43 1,378.32 5,860.21 8.86 37.66 5 24 4.07 19.51 644.78 2,258.48 16.23 56.84 46.78 38.54

8 > 1,000 1,500 1,250 361 5,991 5.29 87.72 1,622.42 7,482.63 10.43 48.09 5 29 4.07 23.58 243.08 2,501.56 6.12 62.96 14.98 33.43



LOSS RATIO

f FPERCENTAGE


RPPERCENTAGE

rp RPBAND

rp


NUMBER OF POLICIES


8 > 1,000 1,500 1,250 361 5,991 5.29 87.72 1,622.42 7,482.63 10.43 48.09 5 29 4.07 23.58 243.08 2,501.56 6.12 62.96 14.98 33.43

9 > 1,500 2,000 1,750 206 6,197 3.02 90.73 1,217.72 8,700.35 7.83 55.91 3 32 2.44 26.02 1,064.01 3,565.56 26.78 89.73 87.38 40.98

10 > 2,000 2,500 2,250 146 6,343 2.14 92.87 1,034.99 9,735.34 6.65 62.56 5 37 4.07 30.08 63.92 3,629.48 1.61 91.34 6.18 37.28

11 > 2,500 3,000 2,750 77 6,420 1.13 94.00 647.70 10,383.04 4.16 66.73 1 38 0.81 30.89 110.37 3,739.85 2.78 94.12 17.04 36.02

12 > 3,000 4,000 3,500 101 6,521 1.48 95.48 810.15 11,193.19 5.21 71.93 6 44 4.88 35.77 48.85 3,788.70 1.23 95.35 6.03 33.85

13 > 4,000 5,000 4,500 57 6,578 0.83 96.31 533.29 11,726.48 3.43 75.36 0 44 0.00 35.77 0.00 3,788.70 0.00 95.35 0.00 32.31

14 > 5,000 7,500 6,250 87 6,665 1.27 97.58 870.40 12,596.89 5.59 80.95 0 44 0.00 35.77 0.00 3,788.70 0.00 95.35 0.00 30.08

15 > 7,500 10,000 8,750 39 6,704 0.57 98.16 516.00 13,112.89 3.32 84.27 0 44 0.00 35.77 0.00 3,788.70 0.00 95.35 0.00 28.89

16 > 10,000 20,000 15,000 60 6,764 0.88 99.03 750.09 13,862.98 4.82 89.09 0 44 0.00 35.77 0.00 3,788.70 0.00 95.35 0.00 27.33

17 > 20,000 50,000 35,000 39 6,803 0.57 99.60 555.61 14,418.59 3.57 92.66 10 54 8.13 43.90 19.97 3,808.67 0.50 95.85 3.59 26.42

18 > 50,000 100,000 75,000 8 6,811 0.12 99.72 257.38 14,675.97 1.65 94.31 20 74 16.26 60.16 54.10 3,862.78 1.36 97.21 21.02 26.32

19 > 100,000 500,000 300,000 19 6,830 0.28 100.00 884.76 15,560.73 5.69 100.00 49 123 39.84 100.00 110.76 3,973.54 2.79 100.00 12.52 25.54

20 > 500,000 0 6,830 0.00 100.00 0.00 15,560.73 0.00 100.00 0 123 0.00 100.00 0.00 3,973.54 0.00 100.00 0.00 25.54

T O T A L 6,830 15,560.73 123 3,973.54 25.54T O T A L 6,830 15,560.73 123 3,973.54 25.54

Page 45 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 27 - MALUKU UTARA PROCESSING DATE : 15/09/2013


1 0 50 25 139 139 10.79 10.79 67.97 67.97 2.10 2.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 154 293 11.96 22.75 33.00 100.97 1.02 3.11 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 239 532 18.56 41.30 123.83 224.80 3.82 6.93 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 131 663 10.17 51.48 94.43 319.24 2.91 9.85 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 156 819 12.11 63.59 235.34 554.58 7.26 17.11 2 2 50.00 50.00 183.07 183.07 77.35 77.35 77.79 33.01

6 > 500 750 625 112 931 8.70 72.28 230.88 785.46 7.12 24.23 2 4 50.00 100.00 53.60 236.67 22.65 100.00 23.22 30.13

7 > 750 1,000 875 100 1,031 7.76 80.05 281.14 1,066.60 8.67 32.90 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 22.19

8 > 1,000 1,500 1,250 88 1,119 6.83 86.88 496.42 1,563.02 15.31 48.22 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 15.14


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES


8 > 1,000 1,500 1,250 88 1,119 6.83 86.88 496.42 1,563.02 15.31 48.22 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 15.14

9 > 1,500 2,000 1,750 55 1,174 4.27 91.15 383.83 1,946.85 11.84 60.06 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 12.16

10 > 2,000 2,500 2,250 25 1,199 1.94 93.09 205.46 2,152.31 6.34 66.40 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 11.00

11 > 2,500 3,000 2,750 15 1,214 1.16 94.25 124.92 2,277.23 3.85 70.25 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 10.39

12 > 3,000 4,000 3,500 22 1,236 1.71 95.96 194.36 2,471.59 6.00 76.25 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 9.58

13 > 4,000 5,000 4,500 21 1,257 1.63 97.59 236.19 2,707.78 7.29 83.53 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 8.74

14 > 5,000 7,500 6,250 19 1,276 1.48 99.07 244.79 2,952.57 7.55 91.08 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 8.02

15 > 7,500 10,000 8,750 3 1,279 0.23 99.30 55.44 3,008.01 1.71 92.79 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 7.87

16 > 10,000 20,000 15,000 1 1,280 0.08 99.38 67.87 3,075.88 2.09 94.89 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 7.69

17 > 20,000 50,000 35,000 1 1,281 0.08 99.46 8.05 3,083.93 0.25 95.14 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 7.67

18 > 50,000 100,000 75,000 3 1,284 0.23 99.69 130.67 3,214.60 4.03 99.17 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 7.36

19 > 100,000 500,000 300,000 2 1,286 0.16 99.84 27.00 3,241.60 0.83 100.00 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 7.30

20 > 500,000 2 1,288 0.16 100.00 0.00 3,241.60 0.00 100.00 0 4 0.00 100.00 0.00 236.67 0.00 100.00 0.00 7.30

T O T A L 1,288 3,241.60 4 236.67 7.30T O T A L 1,288 3,241.60 4 236.67 7.30

Page 46 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 28 - IRIAN JAYA BARAT PROCESSING DATE : 15/09/2013


1 0 50 25 280 280 10.64 10.64 24.93 24.93 0.53 0.53 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 358 638 13.60 24.24 62.03 86.97 1.32 1.85 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 597 1,235 22.68 46.92 182.38 269.34 3.88 5.73 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 319 1,554 12.12 59.04 184.47 453.82 3.92 9.65 4 4 40.00 40.00 172.78 172.78 25.42 25.42 93.66 38.07

5 > 300 500 400 330 1,884 12.54 71.58 369.69 823.51 7.86 17.51 2 6 20.00 60.00 24.45 197.23 3.60 29.02 6.61 23.95

6 > 500 750 625 201 2,085 7.64 79.22 442.47 1,265.98 9.41 26.92 2 8 20.00 80.00 437.45 634.68 64.37 93.39 98.87 50.13

7 > 750 1,000 875 168 2,253 6.38 85.60 524.59 1,790.57 11.16 38.08 2 10 20.00 100.00 44.93 679.61 6.61 100.00 8.57 37.96

8 > 1,000 1,500 1,250 108 2,361 4.10 89.70 420.39 2,210.96 8.94 47.02 0 10 0.00 100.00 0.00 679.61 0.00 100.00 0.00 30.74

RPBAND

rp


NUMBER OF POLICIES


LOSS RATIOPERCENTAGE


RP f FPERCENTAGE

rp

8 > 1,000 1,500 1,250 108 2,361 4.10 89.70 420.39 2,210.96 8.94 47.02 0 10 0.00 100.00 0.00 679.61 0.00 100.00 0.00 30.74

9 > 1,500 2,000 1,750 67 2,428 2.55 92.25 347.40 2,558.36 7.39 54.41 0 10 0.00 100.00 0.00 679.61 0.00 100.00 0.00 26.56

10 > 2,000 2,500 2,250 38 2,466 1.44 93.69 263.25 2,821.61 5.60 60.00 0 10 0.00 100.00 0.00 679.61 0.00 100.00 0.00 24.09

11 > 2,500 3,000 2,750 32 2,498 1.22 94.91 258.10 3,079.72 5.49 65.49 0 10 0.00 100.00 0.00 679.61 0.00 100.00 0.00 22.07

12 > 3,000 4,000 3,500 30 2,528 1.14 96.05 271.71 3,351.43 5.78 71.27 0 10 0.00 100.00 0.00 679.61 0.00 100.00 0.00 20.28

13 > 4,000 5,000 4,500 21 2,549 0.80 96.85 159.34 3,510.77 3.39 74.66 0 10 0.00 100.00 0.00 679.61 0.00 100.00 0.00 19.36

14 > 5,000 7,500 6,250 21 2,570 0.80 97.64 265.93 3,776.70 5.66 80.31 0 10 0.00 100.00 0.00 679.61 0.00 100.00 0.00 17.99

15 > 7,500 10,000 8,750 16 2,586 0.61 98.25 277.72 4,054.42 5.91 86.22 0 10 0.00 100.00 0.00 679.61 0.00 100.00 0.00 16.76

16 > 10,000 20,000 15,000 27 2,613 1.03 99.28 305.18 4,359.60 6.49 92.71 0 10 0.00 100.00 0.00 679.61 0.00 100.00 0.00 15.59

17 > 20,000 50,000 35,000 14 2,627 0.53 99.81 271.42 4,631.01 5.77 98.48 0 10 0.00 100.00 0.00 679.61 0.00 100.00 0.00 14.68

18 > 50,000 100,000 75,000 4 2,631 0.15 99.96 65.05 4,696.06 1.38 99.87 0 10 0.00 100.00 0.00 679.61 0.00 100.00 0.00 14.47

19 > 100,000 500,000 300,000 1 2,632 0.04 100.00 6.33 4,702.39 0.13 100.00 0 10 0.00 100.00 0.00 679.61 0.00 100.00 0.00 14.45

20 > 500,000 0 2,632 0.00 100.00 0.00 4,702.39 0.00 100.00 0 10 0.00 100.00 0.00 679.61 0.00 100.00 0.00 14.45

T O T A L 2,632 4,702.39 10 679.61 14.45T O T A L 2,632 4,702.39 10 679.61 14.45

Page 47 of 204


RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 29 - BANTEN PROCESSING DATE : 15/09/2013


1 0 50 25 7,636 7,636 13.78 13.78 8,359.39 8,359.39 8.03 8.03 14 14 1.42 1.42 48.71 48.71 0.03 0.03 0.58 0.58

2 > 50 100 75 6,304 13,940 11.37 25.15 1,242.13 9,601.52 1.19 9.23 6 20 0.61 2.02 32.01 80.73 0.02 0.05 2.58 0.84

3 > 100 200 150 9,648 23,588 17.41 42.56 2,806.95 12,408.47 2.70 11.93 30 50 3.04 5.06 382.55 463.28 0.25 0.31 13.63 3.73

4 > 200 300 250 6,570 30,158 11.85 54.41 2,769.60 15,178.07 2.66 14.59 25 75 2.53 7.59 338.18 801.45 0.22 0.53 12.21 5.28

5 > 300 500 400 7,592 37,750 13.70 68.11 5,605.78 20,783.85 5.39 19.98 168 243 17.00 24.60 2,999.59 3,801.04 1.99 2.52 53.51 18.29


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

6 > 500 750 625 3,671 41,421 6.62 74.73 4,045.46 24,829.30 3.89 23.86 29 272 2.94 27.53 1,763.69 5,564.73 1.17 3.68 43.60 22.41

7 > 750 1,000 875 2,549 43,970 4.60 79.33 3,787.76 28,617.06 3.64 27.50 48 320 4.86 32.39 2,873.54 8,438.27 1.90 5.59 75.86 29.49

8 > 1,000 1,500 1,250 2,163 46,133 3.90 83.24 4,328.72 32,945.78 4.16 31.66 33 353 3.34 35.73 3,058.11 11,496.38 2.02 7.61 70.65 34.89

9 > 1,500 2,000 1,750 1,264 47,397 2.28 85.52 3,647.39 36,593.18 3.51 35.17 20 373 2.02 37.75 3,033.20 14,529.58 2.01 9.62 83.16 39.71

10 > 2,000 2,500 2,250 756 48,153 1.36 86.88 2,843.71 39,436.89 2.73 37.90 20 393 2.02 39.78 156.24 14,685.82 0.10 9.72 5.49 37.24

11 > 2,500 3,000 2,750 676 48,829 1.22 88.10 2,999.40 42,436.28 2.88 40.79 31 424 3.14 42.91 2,504.92 17,190.73 1.66 11.38 83.51 40.51

12 > 3,000 4,000 3,500 867 49,696 1.56 89.67 4,221.66 46,657.95 4.06 44.84 18 442 1.82 44.74 3,662.87 20,853.60 2.43 13.81 86.76 44.69

13 > 4,000 5,000 4,500 618 50,314 1.12 90.78 3,671.64 50,329.58 3.53 48.37 43 485 4.35 49.09 17,478.54 38,332.14 11.57 25.38 476.04 76.16

14 > 5,000 7,500 6,250 845 51,159 1.52 92.30 6,428.81 56,758.39 6.18 54.55 19 504 1.92 51.01 4,005.84 42,337.99 2.65 28.03 62.31 74.59

15 > 7,500 10,000 8,750 645 51,804 1.16 93.47 5,819.22 62,577.61 5.59 60.14 26 530 2.63 53.64 801.75 43,139.74 0.53 28.56 13.78 68.94

16 > 10,000 20,000 15,000 1,052 52,856 1.90 95.37 13,020.21 75,597.82 12.51 72.66 47 577 4.76 58.40 1,661.95 44,801.69 1.10 29.67 12.76 59.26

17 > 20,000 50,000 35,000 1,080 53,936 1.95 97.32 14,040.70 89,638.53 13.49 86.15 114 691 11.54 69.94 12,912.08 57,713.77 8.55 38.21 91.96 64.39

18 > 50,000 100,000 75,000 546 54,482 0.99 98.30 5,904.05 95,542.57 5.67 91.83 100 791 10.12 80.06 38,344.93 96,058.70 25.39 63.60 649.47 100.5418 > 50,000 100,000 75,000 546 54,482 0.99 98.30 5,904.05 95,542.57 5.67 91.83 100 791 10.12 80.06 38,344.93 96,058.70 25.39 63.60 649.47 100.54

19 > 100,000 500,000 300,000 724 55,206 1.31 99.61 7,392.96 102,935.53 7.11 98.93 123 914 12.45 92.51 16,314.05 112,372.75 10.80 74.41 220.67 109.17

20 > 500,000 218 55,424 0.39 100.00 1,110.29 104,045.82 1.07 100.00 74 988 7.49 100.00 38,651.19 151,023.94 25.59 100.00 3,481,19 145.15

T O T A L 55,424 104,045.82 988 151,023.94 145.15

Page 48 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 30 - BANGKA BELITUNG PROCESSING DATE : 15/09/2013


1 0 50 25 338 338 11.83 11.83 398.98 398.98 8.45 8.45 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 387 725 13.54 25.37 88.29 487.27 1.87 10.32 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 506 1,231 17.70 43.07 201.16 688.43 4.26 14.58 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 332 1,563 11.62 54.69 225.51 913.94 4.77 19.35 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 415 1,978 14.52 69.21 413.35 1,327.29 8.75 28.10 3 3 17.65 17.65 23.94 23.94 1.76 1.76 5.79 1.80

6 > 500 750 625 255 2,233 8.92 78.13 389.26 1,716.55 8.24 36.34 0 3 0.00 17.65 0.00 23.94 0.00 1.76 0.00 1.39

7 > 750 1,000 875 162 2,395 5.67 83.80 386.97 2,103.53 8.19 44.54 3 6 17.65 35.29 394.80 418.74 29.00 30.76 102.02 19.91

8 > 1,000 1,500 1,250 121 2,516 4.23 88.03 385.81 2,489.33 8.17 52.70 0 6 0.00 35.29 0.00 418.74 0.00 30.76 0.00 16.82


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

8 > 1,000 1,500 1,250 121 2,516 4.23 88.03 385.81 2,489.33 8.17 52.70 0 6 0.00 35.29 0.00 418.74 0.00 30.76 0.00 16.82

9 > 1,500 2,000 1,750 89 2,605 3.11 91.15 322.21 2,811.55 6.82 59.53 0 6 0.00 35.29 0.00 418.74 0.00 30.76 0.00 14.89

10 > 2,000 2,500 2,250 34 2,639 1.19 92.34 129.17 2,940.71 2.73 62.26 0 6 0.00 35.29 0.00 418.74 0.00 30.76 0.00 14.24

11 > 2,500 3,000 2,750 27 2,666 0.94 93.28 131.32 3,072.04 2.78 65.04 3 9 17.65 52.94 10.36 429.10 0.76 31.52 7.89 13.97

12 > 3,000 4,000 3,500 29 2,695 1.01 94.30 197.52 3,269.56 4.18 69.22 0 9 0.00 52.94 0.00 429.10 0.00 31.52 0.00 13.12

13 > 4,000 5,000 4,500 29 2,724 1.01 95.31 200.51 3,470.07 4.25 73.47 0 9 0.00 52.94 0.00 429.10 0.00 31.52 0.00 12.37

14 > 5,000 7,500 6,250 34 2,758 1.19 96.50 250.48 3,720.54 5.30 78.77 2 11 11.76 64.71 7.75 436.84 0.57 32.09 3.09 11.74

15 > 7,500 10,000 8,750 19 2,777 0.66 97.17 93.38 3,813.92 1.98 80.75 0 11 0.00 64.71 0.00 436.84 0.00 32.09 0.00 11.45

16 > 10,000 20,000 15,000 23 2,800 0.80 97.97 181.25 3,995.17 3.84 84.59 0 11 0.00 64.71 0.00 436.84 0.00 32.09 0.00 10.93

17 > 20,000 50,000 35,000 16 2,816 0.56 98.53 289.86 4,285.03 6.14 90.72 3 14 17.65 82.35 856.52 1,293.37 62.92 95.02 295.50 30.18

18 > 50,000 100,000 75,000 13 2,829 0.45 98.99 70.60 4,355.62 1.49 92.22 0 14 0.00 82.35 0.00 1,293.37 0.00 95.02 0.00 29.69

19 > 100,000 500,000 300,000 18 2,847 0.63 99.62 320.02 4,675.64 6.78 98.99 3 17 17.65 100.00 67.82 1,361.19 4.98 100.00 21.19 29.11

20 > 500,000 11 2,858 0.38 100.00 47.53 4,723.17 1.01 100.00 0 17 0.00 100.00 0.00 1,361.19 0.00 100.00 0.00 28.82

T O T A L 2,858 4,723.17 17 1,361.19 28.82T O T A L 2,858 4,723.17 17 1,361.19 28.82

Page 49 of 204



RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 31 - GORONTALO PROCESSING DATE : 15/09/2013


1 0 50 25 340 340 12.33 12.33 93.49 93.49 2.37 2.37 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 412 752 14.94 27.28 113.33 206.82 2.88 5.25 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 525 1,277 19.04 46.32 204.16 410.98 5.19 10.44 4 4 20.00 20.00 93.75 93.75 31.60 31.60 45.92 22.81

4 > 200 300 250 374 1,651 13.57 59.88 230.13 641.11 5.84 16.28 2 6 10.00 30.00 14.85 108.60 5.01 36.61 6.45 16.94

5 > 300 500 400 339 1,990 12.30 72.18 313.76 954.87 7.97 24.25 0 6 0.00 30.00 0.00 108.60 0.00 36.61 0.00 11.37

6 > 500 750 625 242 2,232 8.78 80.96 391.55 1,346.42 9.94 34.19 7 13 35.00 65.00 30.94 139.54 10.43 47.04 7.90 10.36

7 > 750 1,000 875 119 2,351 4.32 85.27 313.81 1,660.23 7.97 42.16 0 13 0.00 65.00 0.00 139.54 0.00 47.04 0.00 8.40

8 > 1,000 1,500 1,250 136 2,487 4.93 90.21 420.87 2,081.10 10.69 52.85 0 13 0.00 65.00 0.00 139.54 0.00 47.04 0.00 6.71


NUMBER OF POLICIES



RP f

LOSS RATIO


rp RPBAND

rp

8 > 1,000 1,500 1,250 136 2,487 4.93 90.21 420.87 2,081.10 10.69 52.85 0 13 0.00 65.00 0.00 139.54 0.00 47.04 0.00 6.71

9 > 1,500 2,000 1,750 58 2,545 2.10 92.31 297.79 2,378.89 7.56 60.42 0 13 0.00 65.00 0.00 139.54 0.00 47.04 0.00 5.87

10 > 2,000 2,500 2,250 39 2,584 1.41 93.73 161.13 2,540.02 4.09 64.51 0 13 0.00 65.00 0.00 139.54 0.00 47.04 0.00 5.49

11 > 2,500 3,000 2,750 35 2,619 1.27 94.99 204.38 2,744.41 5.19 69.70 2 15 10.00 75.00 84.07 223.61 28.34 75.38 41.13 8.15

12 > 3,000 4,000 3,500 28 2,647 1.02 96.01 226.60 2,971.01 5.75 75.45 0 15 0.00 75.00 0.00 223.61 0.00 75.38 0.00 7.53

13 > 4,000 5,000 4,500 15 2,662 0.54 96.55 185.98 3,156.98 4.72 80.18 0 15 0.00 75.00 0.00 223.61 0.00 75.38 0.00 7.08

14 > 5,000 7,500 6,250 32 2,694 1.16 97.71 293.19 3,450.18 7.45 87.62 0 15 0.00 75.00 0.00 223.61 0.00 75.38 0.00 6.48

15 > 7,500 10,000 8,750 19 2,713 0.69 98.40 145.62 3,595.80 3.70 91.32 5 20 25.00 100.00 73.04 296.65 24.62 100.00 50.16 8.25

16 > 10,000 20,000 15,000 9 2,722 0.33 98.73 177.71 3,773.51 4.51 95.83 0 20 0.00 100.00 0.00 296.65 0.00 100.00 0.00 7.86

17 > 20,000 50,000 35,000 25 2,747 0.91 99.64 151.50 3,925.01 3.85 99.68 0 20 0.00 100.00 0.00 296.65 0.00 100.00 0.00 7.56

18 > 50,000 100,000 75,000 2 2,749 0.07 99.71 12.52 3,937.53 0.32 100.00 0 20 0.00 100.00 0.00 296.65 0.00 100.00 0.00 7.53

19 > 100,000 500,000 300,000 8 2,757 0.29 100.00 0.00 3,937.53 0.00 100.00 0 20 0.00 100.00 0.00 296.65 0.00 100.00 0.00 7.53

20 > 500,000 0 2,757 0.00 100.00 0.00 3,937.53 0.00 100.00 0 20 0.00 100.00 0.00 296.65 0.00 100.00 0.00 7.53

T O T A L 2,757 3,937.53 20 296.65 7.53

Page 50 of 204


RISK AND LOSS PROFILE 2009CLASS OF BUSINESS : TOTAL FR, IAR, LOP, EQ DATA POSITION FROM : 01/01/2009UNDERWRITING YEAR : 2009 DATA POSITION TO : 15/06/2013PROVINCE : 32 - KEPULAUAN RIAU PROCESSING DATE : 15/09/2013


1 0 50 25 1,978 1,978 11.08 11.08 1,633.94 1,633.94 5.03 5.03 4 4 2.80 2.80 3.10 3.10 0.01 0.01 0.19 0.19

2 > 50 100 75 2,497 4,475 13.99 25.07 462.13 2,096.06 1.42 6.45 2 6 1.40 4.20 0.42 3.53 0.00 0.01 0.09 0.17

3 > 100 200 150 3,904 8,379 21.87 46.94 1,070.15 3,166.21 3.29 9.74 5 11 3.50 7.69 137.08 140.61 0.24 0.25 12.81 4.44

4 > 200 300 250 2,628 11,007 14.72 61.66 1,550.62 4,716.84 4.77 14.52 0 11 0.00 7.69 0.00 140.61 0.00 0.25 0.00 2.98

5 > 300 500 400 2,728 13,735 15.28 76.94 3,204.32 7,921.15 9.86 24.38 15 26 10.49 18.18 581.32 721.93 1.01 1.26 18.14 9.11

6 > 500 750 625 1,197 14,932 6.71 83.65 1,930.17 9,851.32 5.94 30.32 2 28 1.40 19.58 13.00 734.93 0.02 1.28 0.67 7.46

7 > 750 1,000 875 739 15,671 4.14 87.79 1,530.00 11,381.33 4.71 35.03 4 32 2.80 22.38 200.15 935.08 0.35 1.63 13.08 8.22



RP f FPERCENTAGE

rp RPBAND

rp


NUMBER OF POLICIES


7 > 750 1,000 875 739 15,671 4.14 87.79 1,530.00 11,381.33 4.71 35.03 4 32 2.80 22.38 200.15 935.08 0.35 1.63 13.08 8.22

8 > 1,000 1,500 1,250 573 16,244 3.21 91.00 1,612.98 12,994.30 4.96 39.99 0 32 0.00 22.38 0.00 935.08 0.00 1.63 0.00 7.20

9 > 1,500 2,000 1,750 288 16,532 1.61 92.61 1,170.06 14,164.37 3.60 43.59 0 32 0.00 22.38 0.00 935.08 0.00 1.63 0.00 6.60

10 > 2,000 2,500 2,250 161 16,693 0.90 93.51 1,234.89 15,399.25 3.80 47.39 0 32 0.00 22.38 0.00 935.08 0.00 1.63 0.00 6.07

11 > 2,500 3,000 2,750 144 16,837 0.81 94.32 2,252.90 17,652.16 6.93 54.32 0 32 0.00 22.38 0.00 935.08 0.00 1.63 0.00 5.30

12 > 3,000 4,000 3,500 155 16,992 0.87 95.19 838.78 18,490.94 2.58 56.90 8 40 5.59 27.97 9.62 944.70 0.02 1.65 1.15 5.11

13 > 4,000 5,000 4,500 97 17,089 0.54 95.73 857.26 19,348.19 2.64 59.54 0 40 0.00 27.97 0.00 944.70 0.00 1.65 0.00 4.88

14 > 5,000 7,500 6,250 126 17,215 0.71 96.44 1,123.20 20,471.40 3.46 63.00 10 50 6.99 34.97 74.80 1,019.50 0.13 1.78 6.66 4.98

15 > 7,500 10,000 8,750 120 17,335 0.67 97.11 1,019.92 21,491.32 3.14 66.14 10 60 6.99 41.96 32.07 1,051.58 0.06 1.83 3.14 4.89

16 > 10,000 20,000 15,000 160 17,495 0.90 98.01 1,927.70 23,419.02 5.93 72.07 13 73 9.09 51.05 974.88 2,026.46 1.70 3.53 50.57 8.65

17 > 20,000 50,000 35,000 144 17,639 0.81 98.81 2,361.53 25,780.55 7.27 79.34 8 81 5.59 56.64 83.41 2,109.87 0.15 3.68 3.53 8.18

18 > 50,000 100,000 75,000 64 17,703 0.36 99.17 1,283.06 27,063.61 3.95 83.29 9 90 6.29 62.94 225.69 2,335.57 0.39 4.07 17.59 8.63

19 > 100,000 500,000 300,000 111 17,814 0.62 99.79 4,084.56 31,148.17 12.57 95.86 41 131 28.67 91.61 54,194.11 56,529.67 94.45 98.52 1,326,80 181.49

20 > 500,000 37 17,851 0.21 100.00 1,346.60 32,494.77 4.14 100.00 12 143 8.39 100.00 849.39 57,379.07 1.48 100.00 63.08 176.5820 > 500,000 37 17,851 0.21 100.00 1,346.60 32,494.77 4.14 100.00 12 143 8.39 100.00 849.39 57,379.07 1.48 100.00 63.08 176.58

T O T A L 17,851 32,494.77 143 57,379.07 176.58

Page 51 of 204




1 0 50 25 174,980 174,980 13.97 13.97 111,453.80 111,453.80 5.42 5.42 891 891 5.86 5.86 5,611.72 5,611.72 0.15 0.15 5.04 5.04

2 > 50 100 75 149,909 324,889 11.97 25.94 31,752.49 143,206.29 1.54 6.96 576 1,467 3.79 9.66 9,627.92 15,239.64 0.26 0.42 30.32 10.64

3 > 100 200 150 219,074 543,963 17.49 43.43 75,670.22 218,876.51 3.68 10.64 846 2,313 5.57 15.22 24,326.95 39,566.60 0.67 1.09 32.15 18.08


LOSS RATIO

RP fPERCENTAGE PERCENTAGE PERCENTAGEPERCENTAGE

rp RP


rp



f FMid Points

F

3 > 100 200 150 219,074 543,963 17.49 43.43 75,670.22 218,876.51 3.68 10.64 846 2,313 5.57 15.22 24,326.95 39,566.60 0.67 1.09 32.15 18.08

4 > 200 300 250 142,378 686,341 11.37 54.80 72,581.41 291,457.92 3.53 14.17 572 2,885 3.76 18.99 21,768.40 61,335.00 0.60 1.68 29.99 21.04

5 > 300 500 400 168,151 854,492 13.43 68.23 141,104.04 432,561.96 6.86 21.04 828 3,713 5.45 24.44 38,462.64 99,797.63 1.06 2.74 27.26 23.07

6 > 500 750 625 93,267 947,759 7.45 75.68 111,964.33 544,526.29 5.45 26.48 570 4,283 3.75 28.19 30,009.14 129,806.77 0.82 3.57 26.80 23.84

7 > 750 1,000 875 72,773 1,020,532 5.81 81.49 117,500.23 662,026.52 5.71 32.20 467 4,750 3.07 31.26 34,352.40 164,159.18 0.94 4.51 29.24 24.80

8 > 1,000 1,500 1,250 56,629 1,077,161 4.52 86.01 124,246.08 786,272.59 6.04 38.24 544 5,294 3.58 34.84 41,878.66 206,037.84 1.15 5.66 33.71 26.20

9 > 1,500 2,000 1,750 33,102 1,110,263 2.64 88.65 97,084.82 883,357.42 4.72 42.96 597 5,891 3.93 38.77 47,413.71 253,451.55 1.30 6.96 48.84 28.69

10 > 2,000 2,500 2,250 18,675 1,128,938 1.49 90.14 67,068.12 950,425.54 3.26 46.22 275 6,166 1.81 40.58 43,884.60 297,336.15 1.21 8.17 65.43 31.28

11 > 2,500 3,000 2,750 15,102 1,144,040 1.21 91.35 60,935.72 1,011,361.26 2.96 49.19 319 6,485 2.10 42.68 47,909.45 345,245.60 1.32 9.48 78.62 34.14

12 > 3,000 4,000 3,500 17,975 1,162,015 1.44 92.78 84,464.53 1,095,825.79 4.11 53.30 334 6,819 2.20 44.88 31,380.60 376,626.20 0.86 10.35 37.15 34.37

13 > 4,000 5,000 4,500 12,434 1,174,449 0.99 93.78 68,103.36 1,163,929.15 3.31 56.61 259 7,078 1.70 46.59 19,020.21 395,646.41 0.52 10.87 27.93 33.99

14 > 5,000 7,500 6,250 16,516 1,190,965 1.32 95.10 109,836.33 1,273,765.48 5.34 61.95 589 7,667 3.88 50.46 102,846.86 498,493.27 2.83 13.69 93.64 39.14

15 > 7,500 10,000 8,750 10,511 1,201,476 0.84 95.93 88,799.60 1,362,565.08 4.32 66.27 522 8,189 3.44 53.90 72,351.56 570,844.83 1.99 15.68 81.48 41.8915 > 7,500 10,000 8,750 10,511 1,201,476 0.84 95.93 88,799.60 1,362,565.08 4.32 66.27 522 8,189 3.44 53.90 72,351.56 570,844.83 1.99 15.68 81.48 41.89

16 > 10,000 20,000 15,000 16,847 1,218,323 1.35 97.28 192,856.96 1,555,422.05 9.38 75.65 1,231 9,420 8.10 62.00 181,009.39 751,854.22 4.97 20.65 93.86 48.34

17 > 20,000 50,000 35,000 15,097 1,233,420 1.21 98.49 200,947.08 1,756,369.12 9.77 85.42 1,169 10,589 7.69 69.70 234,941.56 986,795.79 6.45 27.11 116.92 56.18

18 > 50,000 100,000 75,000 7,262 1,240,682 0.58 99.07 102,665.18 1,859,034.31 4.99 90.41 998 11,587 6.57 76.27 194,899.56 1,181,695.35 5.35 32.46 189.84 63.57

19 > 100,000 500,000 300,000 8,570 1,249,252 0.68 99.75 141,915.17 2,000,949.47 6.90 97.32 2,550 14,137 16.78 93.05 2,141,460.20 3,323,155.55 58.83 91.29 1,508,97 166.08

20 > 500,000 3,136 1,252,388 0.25 100.00 55,196.78 2,056,146.26 2.68 100.00 1,056 15,193 6.95 100.00 317,219.58 3,640,375.13 8.71 100.00 574.71 177.05

T O T A L 1,252,388 2,056,146.25 15,193 3,640,375.11 177.05

Page 52 of 204




1 0 50 25 132,904 132,904 14.06 14.06 60,017.47 60,017.47 5.43 5.43 326 326 6.43 6.43 2,543.09 2,543.09 0.29 0.29 4.24 4.24

2 > 50 100 75 134,209 267,113 14.20 28.26 27,537.04 87,554.51 2.49 7.92 327 653 6.45 12.88 6,253.06 8,796.15 0.72 1.01 22.71 10.05

3 > 100 200 150 190,905 458,018 20.20 48.46 67,061.24 154,615.75 6.07 13.99 482 1,135 9.51 22.38 17,070.18 25,866.34 1.96 2.97 25.45 16.73

4 > 200 300 250 123,636 581,654 13.08 61.54 68,702.42 223,318.17 6.22 20.20 315 1,450 6.21 28.59 14,059.32 39,925.65 1.61 4.58 20.46 17.88

Mid PointsORIGINAL PREMIUM (in million Rupiah) CLAIM SEVERITY (in million Rupiah)CLAIM FREQUENCY

PERCENTAGEf F

NUMBER OF POLICIES




rp RPBAND

rp


4 > 200 300 250 123,636 581,654 13.08 61.54 68,702.42 223,318.17 6.22 20.20 315 1,450 6.21 28.59 14,059.32 39,925.65 1.61 4.58 20.46 17.88

5 > 300 500 400 138,210 719,864 14.62 76.17 120,274.80 343,592.97 10.88 31.09 418 1,868 8.24 36.84 23,346.65 63,272.30 2.68 7.26 19.41 18.41

6 > 500 750 625 69,588 789,452 7.36 83.53 90,868.39 434,461.36 8.22 39.31 261 2,129 5.15 41.98 18,141.04 81,413.34 2.08 9.34 19.96 18.74

7 > 750 1,000 875 46,707 836,159 4.94 88.47 87,218.73 521,680.09 7.89 47.20 174 2,303 3.43 45.42 20,813.89 102,227.23 2.39 11.73 23.86 19.60

8 > 1,000 1,500 1,250 35,107 871,266 3.71 92.19 88,675.49 610,355.58 8.02 55.22 202 2,505 3.98 49.40 20,648.81 122,876.03 2.37 14.10 23.29 20.13

9 > 1,500 2,000 1,750 19,017 890,283 2.01 94.20 64,904.76 675,260.34 5.87 61.09 197 2,702 3.88 53.28 25,605.86 148,481.89 2.94 17.04 39.45 21.99

10 > 2,000 2,500 2,250 9,720 900,003 1.03 95.23 41,599.84 716,860.18 3.76 64.86 100 2,802 1.97 55.26 20,200.47 168,682.36 2.32 19.35 48.56 23.53

11 > 2,500 3,000 2,750 7,481 907,484 0.79 96.02 36,474.20 753,334.38 3.30 68.16 101 2,903 1.99 57.25 25,575.62 194,257.99 2.93 22.29 70.12 25.79

12 > 3,000 4,000 3,500 8,169 915,653 0.86 96.88 47,262.30 800,596.68 4.28 72.43 112 3,015 2.21 59.46 11,631.64 205,889.62 1.33 23.62 24.61 25.72

13 > 4,000 5,000 4,500 5,292 920,945 0.56 97.44 35,952.99 836,549.67 3.25 75.68 92 3,107 1.81 61.27 11,633.08 217,522.70 1.33 24.96 32.36 26.00

14 > 5,000 7,500 6,250 6,414 927,359 0.68 98.12 53,838.83 890,388.50 4.87 80.56 171 3,278 3.37 64.64 34,441.73 251,964.43 3.95 28.91 63.97 28.30

15 > 7,500 10,000 8,750 3,608 930,967 0.38 98.50 38,475.22 928,863.72 3.48 84.04 171 3,449 3.37 68.01 22,229.77 274,194.20 2.55 31.46 57.78 29.52

16 > 10,000 20,000 15,000 5,152 936,119 0.55 99.05 73,729.58 1,002,593.30 6.67 90.71 520 3,969 10.25 78.27 63,674.50 337,868.71 7.31 38.77 86.36 33.7016 > 10,000 20,000 15,000 5,152 936,119 0.55 99.05 73,729.58 1,002,593.30 6.67 90.71 520 3,969 10.25 78.27 63,674.50 337,868.71 7.31 38.77 86.36 33.70

17 > 20,000 50,000 35,000 4,130 940,249 0.44 99.49 55,928.98 1,058,522.27 5.06 95.77 258 4,227 5.09 83.36 30,550.63 368,419.34 3.51 42.27 54.62 34.81

18 > 50,000 100,000 75,000 1,823 942,072 0.19 99.68 22,567.77 1,081,090.04 2.04 97.81 252 4,479 4.97 88.33 34,324.03 402,743.37 3.94 46.21 152.09 37.25

19 > 100,000 500,000 300,000 2,007 944,079 0.21 99.89 16,684.99 1,097,775.03 1.51 99.32 366 4,845 7.22 95.54 447,769.33 850,512.70 51.38 97.59 2,683,67 77.48

20 > 500,000 1,022 945,101 0.11 100.00 7,534.13 1,105,309.16 0.68 100.00 226 5,071 4.46 100.00 21,014.53 871,527.23 2.41 100.00 278.92 78.85

T O T A L 945,101 1,105,309.16 5,071 871,527.23 78.85

Page 53 of 204




1 0 50 25 24,091 24,091 13.39 13.39 25,993.34 25,993.34 5.02 5.02 565 565 5.63 5.63 3,068.63 3,068.63 0.11 0.11 11.81 11.81

2 > 50 100 75 8,626 32,717 4.79 18.18 2,510.39 28,503.72 0.49 5.51 245 810 2.44 8.07 3,350.14 6,418.77 0.12 0.23 133.45 22.52

3 > 100 200 150 14,485 47,202 8.05 26.23 4,724.95 33,228.67 0.91 6.42 364 1,174 3.63 11.70 7,256.77 13,675.54 0.26 0.49 153.58 41.16

4 > 200 300 250 10,615 57,817 5.90 32.13 (29,82) 33,198.84 (0,01) 6.41 251 1,425 2.50 14.20 7,687.83 21,363.37 0.28 0.77 (25,777,50) 64.35

BANDSUM INSURED


f FPERCENTAGE PERCENTAGE

RPrp

LOSS RATIO



PERCENTAGEf F

CLAIM SEVERITY (in million Rupiah)PERCENTAGEPERCENTAGE

rp RP

4 > 200 300 250 10,615 57,817 5.90 32.13 (29,82) 33,198.84 (0,01) 6.41 251 1,425 2.50 14.20 7,687.83 21,363.37 0.28 0.77 (25,777,50) 64.35

5 > 300 500 400 18,011 75,828 10.01 42.14 12,964.26 46,163.10 2.50 8.92 401 1,826 4.00 18.20 15,045.04 36,408.41 0.54 1.32 116.05 78.87

6 > 500 750 625 14,593 90,421 8.11 50.25 12,866.25 59,029.35 2.49 11.41 303 2,129 3.02 21.22 11,636.52 48,044.93 0.42 1.74 90.44 81.39

7 > 750 1,000 875 15,997 106,418 8.89 59.14 18,384.54 77,413.89 3.55 14.96 291 2,420 2.90 24.12 13,503.51 61,548.43 0.49 2.23 73.45 79.51

8 > 1,000 1,500 1,250 13,745 120,163 7.64 66.78 23,011.24 100,425.14 4.45 19.40 336 2,756 3.35 27.47 21,178.66 82,727.09 0.77 2.99 92.04 82.38

9 > 1,500 2,000 1,750 8,872 129,035 4.93 71.71 20,758.54 121,183.67 4.01 23.41 395 3,151 3.94 31.41 21,763.56 104,490.65 0.79 3.78 104.84 86.23

10 > 2,000 2,500 2,250 5,631 134,666 3.13 74.84 16,462.45 137,646.12 3.18 26.60 175 3,326 1.74 33.15 23,684.13 128,174.78 0.86 4.63 143.87 93.12

11 > 2,500 3,000 2,750 4,773 139,439 2.65 77.49 15,738.28 153,384.40 3.04 29.64 207 3,533 2.06 35.22 21,812.74 149,987.52 0.79 5.42 138.60 97.79

12 > 3,000 4,000 3,500 5,966 145,405 3.32 80.81 23,342.08 176,726.48 4.51 34.15 217 3,750 2.16 37.38 19,615.49 169,603.00 0.71 6.13 84.03 95.97

13 > 4,000 5,000 4,500 4,173 149,578 2.32 83.13 19,514.72 196,241.21 3.77 37.92 162 3,912 1.61 39.00 7,191.29 176,794.30 0.26 6.39 36.85 90.09

14 > 5,000 7,500 6,250 5,961 155,539 3.31 86.44 33,214.37 229,455.58 6.42 44.33 416 4,328 4.15 43.14 68,401.41 245,195.71 2.47 8.86 205.94 106.86

15 > 7,500 10,000 8,750 3,901 159,440 2.17 88.61 29,845.37 259,300.95 5.77 50.10 351 4,679 3.50 46.64 50,121.79 295,317.50 1.81 10.68 167.94 113.89

16 > 10,000 20,000 15,000 6,660 166,100 3.70 92.31 64,871.39 324,172.34 12.53 62.64 705 5,384 7.03 53.67 117,322.17 412,639.67 4.24 14.92 180.85 127.29

17 > 20,000 50,000 35,000 6,035 172,135 3.35 95.67 74,163.57 398,335.91 14.33 76.97 905 6,289 9.02 62.69 204,217.66 616,857.33 7.38 22.30 275.36 154.86

18 > 50,000 100,000 75,000 3,045 175,180 1.69 97.36 39,298.72 437,634.63 7.59 84.56 737 7,026 7.35 70.04 159,422.43 776,279.76 5.76 28.06 405.67 177.38

19 > 100,000 500,000 300,000 3,623 178,803 2.01 99.37 49,374.55 487,009.18 9.54 94.10 2,182 9,208 21.75 91.79 1,693,689.69 2,469,969.45 61.23 89.29 3,430,29 507.17

20 > 500,000 1,131 179,934 0.63 100.00 30,544.89 517,554.07 5.90 100.00 824 10,032 8.21 100.00 296,172.17 2,766,141.62 10.71 100.00 969.63 534.46

T O T A L 179,934 517,554.07 10,032 2,766,141.62 534.46

Page 54 of 204





1 0 50 25 4 4 2.76 2.76 2.40 2.40 0.64 0.64 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 1 5 0.69 3.45 0.01 2.41 0.00 0.64 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 3 8 2.07 5.52 0.57 2.99 0.15 0.80 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 1 9 0.69 6.21 0.42 3.40 0.11 0.91 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 5 14 3.45 9.66 2.12 5.53 0.57 1.48 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 4 18 2.76 12.41 3.20 8.72 0.85 2.33 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 4 22 2.76 15.17 5.08 13.80 1.36 3.69 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 4 26 2.76 17.93 4.77 18.57 1.27 4.96 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGEMid PointsBANDSUM INSURED

(in million)F


NUMBER OF POLICIES

f

LOSS RATIO

RP f F

ORIGINAL PREMIUM (in million Rupiah) CLAIM FREQUENCYPERCENTAGE PERCENTAGE

rp RP


8 > 1,000 1,500 1,250 4 26 2.76 17.93 4.77 18.57 1.27 4.96 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 2 28 1.38 19.31 6.00 24.57 1.60 6.56 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 2 30 1.38 20.69 0.03 24.59 0.01 6.57 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 3 33 2.07 22.76 5.91 30.50 1.58 8.15 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 > 3,000 4,000 3,500 4 37 2.76 25.52 5.98 36.48 1.60 9.74 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 > 4,000 5,000 4,500 4 41 2.76 28.28 9.07 45.54 2.42 12.17 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 > 5,000 7,500 6,250 9 50 6.21 34.48 18.39 63.93 4.91 17.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 > 7,500 10,000 8,750 9 59 6.21 40.69 59.87 123.79 15.99 33.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 > 10,000 20,000 15,000 22 81 15.17 55.86 61.26 185.06 16.37 49.43 2 2 33.33 33.33 0.00 0.00 0.00 0.00 0.00 0.00

17 > 20,000 50,000 35,000 26 107 17.93 73.79 62.34 247.40 16.65 66.09 4 6 66.67 100.00 149.61 149.61 100.00 100.00 240.01 60.48

18 > 50,000 100,000 75,000 10 117 6.90 80.69 15.63 263.03 4.18 70.26 0 6 0.00 100.00 0.00 149.61 0.00 100.00 0.00 56.88

19 > 100,000 500,000 300,000 18 135 12.41 93.10 94.14 357.17 25.15 95.41 0 6 0.00 100.00 0.00 149.61 0.00 100.00 0.00 41.89

20 > 500,000 10 145 6.90 100.00 17.19 374.36 4.59 100.00 0 6 0.00 100.00 0.00 149.61 0.00 100.00 0.00 39.97

T O T A L 145 374.36 6 149.61 39.97T O T A L 145 374.36 6 149.61 39.97

Page 55 of 204


CLASS OF BUSINESS : EARTHQUAKE (EQ) DATA POSITION FROM : 01/01/2010



1 0 50 25 17,981 17,981 14.14 14.14 25,440.59 25,440.59 5.88 5.88 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 7,073 25,054 5.56 19.70 1,705.05 27,145.64 0.39 6.27 4 4 4.76 4.76 24.72 24.72 0.97 0.97 1.45 0.09

3 > 100 200 150 13,681 38,735 10.75 30.45 3,883.46 31,029.10 0.90 7.17 0 4 0.00 4.76 0.00 24.72 0.00 0.97 0.00 0.08

4 > 200 300 250 8,127 46,862 6.39 36.84 3,908.81 34,937.92 0.90 8.07 6 10 7.14 11.90 21.25 45.97 0.83 1.80 0.54 0.13

5 > 300 500 400 11,924 58,786 9.37 46.21 7,862.44 42,800.36 1.82 9.89 9 19 10.71 22.62 70.95 116.92 2.78 4.57 0.90 0.27

6 > 500 750 625 9,082 67,868 7.14 53.35 8,226.49 51,026.85 1.90 11.79 6 25 7.14 29.76 231.59 348.51 9.06 13.63 2.82 0.68

7 > 750 1,000 875 10,065 77,933 7.91 61.26 11,891.88 62,918.74 2.75 14.53 2 27 2.38 32.14 35.01 383.52 1.37 15.00 0.29 0.61

8 > 1,000 1,500 1,250 7,773 85,706 6.11 67.37 12,554.57 75,473.31 2.90 17.43 6 33 7.14 39.29 51.19 434.71 2.00 17.00 0.41 0.58

FMid Points PERCENTAGE PERCENTAGE

LOSS RATIO


rp RP


rp



f

8 > 1,000 1,500 1,250 7,773 85,706 6.11 67.37 12,554.57 75,473.31 2.90 17.43 6 33 7.14 39.29 51.19 434.71 2.00 17.00 0.41 0.58

9 > 1,500 2,000 1,750 5,211 90,917 4.10 71.47 11,415.53 86,888.84 2.64 20.07 5 38 5.95 45.24 44.30 479.01 1.73 18.74 0.39 0.55

10 > 2,000 2,500 2,250 3,322 94,239 2.61 74.08 9,005.80 95,894.64 2.08 22.15 0 38 0.00 45.24 0.00 479.01 0.00 18.74 0.00 0.50

11 > 2,500 3,000 2,750 2,845 97,084 2.24 76.32 8,717.33 104,611.97 2.01 24.16 11 49 13.10 58.33 521.09 1,000.09 20.38 39.12 5.98 0.96

12 > 3,000 4,000 3,500 3,836 100,920 3.02 79.33 13,854.18 118,466.15 3.20 27.37 5 54 5.95 64.29 133.48 1,133.57 5.22 44.34 0.96 0.96

13 > 4,000 5,000 4,500 2,965 103,885 2.33 81.67 12,626.58 131,092.73 2.92 30.28 5 59 5.95 70.24 195.83 1,329.41 7.66 52.00 1.55 1.01

14 > 5,000 7,500 6,250 4,132 108,017 3.25 84.91 22,764.74 153,857.47 5.26 35.54 2 61 2.38 72.62 3.72 1,333.13 0.15 52.14 0.02 0.87

15 > 7,500 10,000 8,750 2,993 111,010 2.35 87.27 20,419.15 174,276.62 4.72 40.26 0 61 0.00 72.62 0.00 1,333.13 0.00 52.14 0.00 0.76

16 > 10,000 20,000 15,000 5,013 116,023 3.94 91.21 54,194.73 228,471.35 12.52 52.78 4 65 4.76 77.38 12.71 1,345.84 0.50 52.64 0.02 0.59

17 > 20,000 50,000 35,000 4,906 120,929 3.86 95.06 70,792.19 299,263.54 16.35 69.13 2 67 2.38 79.76 23.66 1,369.50 0.93 53.57 0.03 0.46

18 > 50,000 100,000 75,000 2,384 123,313 1.87 96.94 40,783.06 340,046.60 9.42 78.55 9 76 10.71 90.48 1,153.10 2,522.60 45.10 98.67 2.83 0.74

19 > 100,000 500,000 300,000 2,922 126,235 2.30 99.24 75,761.49 415,808.09 17.50 96.05 2 78 2.38 92.86 1.19 2,523.79 0.05 98.71 0.00 0.61

20 > 500,000 973 127,208 0.76 100.00 17,100.57 432,908.67 3.95 100.00 6 84 7.14 100.00 32.88 2,556.67 1.29 100.00 0.19 0.59

T O T A L 127,208 432,908.67 84 2,556.67 0.59T O T A L 127,208 432,908.67 84 2,556.67 0.59

Page 56 of 204





1 0 50 25 151 151 6.84 6.84 1,091.59 1,091.59 12.64 12.64 8 8 2.92 2.92 33.17 33.17 0.06 0.06 3.04 3.04

2 > 50 100 75 38 189 1.72 8.56 6.93 1,098.52 0.08 12.72 0 8 0.00 2.92 0.00 33.17 0.00 0.06 0.00 3.02

3 > 100 200 150 73 262 3.31 11.87 40.26 1,138.78 0.47 13.18 3 11 1.09 4.01 192.55 225.72 0.35 0.41 478.21 19.82

4 > 200 300 250 66 328 2.99 14.86 67.99 1,206.78 0.79 13.97 2 13 0.73 4.74 236.01 461.73 0.43 0.85 347.11 38.26

5 > 300 500 400 131 459 5.93 20.79 100.35 1,307.13 1.16 15.13 0 13 0.00 4.74 0.00 461.73 0.00 0.85 0.00 35.32

BANDrp

SUM INSURED ORIGINAL PREMIUM (in million Rupiah) CLAIM FREQUENCYPERCENTAGE

LOSS RATIO

RP f FPERCENTAGE


NUMBER OF POLICIES

f FMid Points PERCENTAGE PERCENTAGE PERCENTAGE

rp RP

5 > 300 500 400 131 459 5.93 20.79 100.35 1,307.13 1.16 15.13 0 13 0.00 4.74 0.00 461.73 0.00 0.85 0.00 35.32

6 > 500 750 625 93 552 4.21 25.00 88.86 1,395.98 1.03 16.16 4 17 1.46 6.20 47.16 508.90 0.09 0.93 53.08 36.45

7 > 750 1,000 875 54 606 2.45 27.45 151.13 1,547.11 1.75 17.91 0 17 0.00 6.20 0.00 508.90 0.00 0.93 0.00 32.89

8 > 1,000 1,500 1,250 142 748 6.43 33.88 331.52 1,878.63 3.84 21.75 5 22 1.82 8.03 1,115.09 1,623.98 2.04 2.97 336.36 86.45

9 > 1,500 2,000 1,750 69 817 3.13 37.00 154.43 2,033.06 1.79 23.54 0 22 0.00 8.03 0.00 1,623.98 0.00 2.97 0.00 79.88

10 > 2,000 2,500 2,250 84 901 3.80 40.81 257.84 2,290.90 2.98 26.52 0 22 0.00 8.03 0.00 1,623.98 0.00 2.97 0.00 70.89

11 > 2,500 3,000 2,750 64 965 2.90 43.70 161.15 2,452.05 1.87 28.39 0 22 0.00 8.03 0.00 1,623.98 0.00 2.97 0.00 66.23

12 > 3,000 4,000 3,500 94 1,059 4.26 47.96 326.76 2,778.80 3.78 32.17 2 24 0.73 8.76 7.26 1,631.24 0.01 2.99 2.22 58.70

13 > 4,000 5,000 4,500 65 1,124 2.94 50.91 318.13 3,096.94 3.68 35.85 0 24 0.00 8.76 0.00 1,631.24 0.00 2.99 0.00 52.67

14 > 5,000 7,500 6,250 108 1,232 4.89 55.80 553.72 3,650.65 6.41 42.26 0 24 0.00 8.76 0.00 1,631.24 0.00 2.99 0.00 44.68

15 > 7,500 10,000 8,750 71 1,303 3.22 59.01 654.22 4,304.87 7.57 49.83 13 37 4.74 13.50 8,451.92 10,083.16 15.47 18.46 1,291,91 234.23

16 > 10,000 20,000 15,000 155 1,458 7.02 66.03 1,486.92 5,791.79 17.21 67.05 13 50 4.74 18.25 1,017.54 11,100.70 1.86 20.32 68.43 191.66

17 > 20,000 50,000 35,000 212 1,670 9.60 75.63 3,174.09 8,965.88 36.74 103.79 50 100 18.25 36.50 5,020.68 16,121.38 9.19 29.51 158.18 179.81

18 > 50,000 100,000 75,000 163 1,833 7.38 83.02 1,786.61 10,752.49 20.68 124.47 44 144 16.06 52.55 3,680.32 19,801.70 6.74 36.25 205.99 184.1618 > 50,000 100,000 75,000 163 1,833 7.38 83.02 1,786.61 10,752.49 20.68 124.47 44 144 16.06 52.55 3,680.32 19,801.70 6.74 36.25 205.99 184.16

19 > 100,000 500,000 300,000 227 2,060 10.28 93.30 2,579.17 13,331.65 29.86 154.33 62 206 22.63 75.18 28,159.63 47,961.33 51.55 87.80 1,091,81 359.76

20 > 500,000 148 2,208 6.70 100.00 (4,693,37) 8,638.28 (54,33) 100.00 68 274 24.82 100.00 6,661.43 54,622.76 12.20 100.00 (141,93) 632.33

T O T A L 2,208 8,638.28 274 54,622.76 632.33

Page 57 of 204





1 0 50 25 618 618 20.08 20.08 1,028.66 1,028.66 5.74 5.74 20 20 10.00 10.00 68.24 68.24 0.21 0.21 6.63 6.63

2 > 50 100 75 91 709 2.96 23.03 55.52 1,084.18 0.31 6.05 0 20 0.00 10.00 0.00 68.24 0.00 0.21 0.00 6.29

3 > 100 200 150 124 833 4.03 27.06 44.27 1,128.45 0.25 6.30 10 30 5.00 15.00 259.45 327.69 0.79 1.00 586.10 29.04

4 > 200 300 250 107 940 3.48 30.54 61.58 1,190.03 0.34 6.64 0 30 0.00 15.00 0.00 327.69 0.00 1.00 0.00 27.54

5 > 300 500 400 180 1,120 5.85 36.39 121.57 1,311.60 0.68 7.32 0 30 0.00 15.00 0.00 327.69 0.00 1.00 0.00 24.98


rp


NUMBER OF POLICIES


ORIGINAL PREMIUM (in million Rupiah) LOSS RATIO


rp RP

5 > 300 500 400 180 1,120 5.85 36.39 121.57 1,311.60 0.68 7.32 0 30 0.00 15.00 0.00 327.69 0.00 1.00 0.00 24.98

6 > 500 750 625 108 1,228 3.51 39.90 104.17 1,415.77 0.58 7.91 6 36 3.00 18.00 739.29 1,066.98 2.26 3.26 709.69 75.36

7 > 750 1,000 875 112 1,340 3.64 43.53 166.81 1,582.59 0.93 8.84 5 41 2.50 20.50 861.34 1,928.32 2.63 5.90 516.35 121.85

8 > 1,000 1,500 1,250 199 1,539 6.47 50.00 438.28 2,020.87 2.45 11.28 4 45 2.00 22.50 1,566.81 3,495.13 4.79 10.69 357.49 172.95

9 > 1,500 2,000 1,750 116 1,655 3.77 53.77 392.13 2,413.00 2.19 13.47 0 45 0.00 22.50 0.00 3,495.13 0.00 10.69 0.00 144.85

10 > 2,000 2,500 2,250 82 1,737 2.66 56.43 270.13 2,683.13 1.51 14.98 0 45 0.00 22.50 0.00 3,495.13 0.00 10.69 0.00 130.26

11 > 2,500 3,000 2,750 87 1,824 2.83 59.26 352.20 3,035.33 1.97 16.95 7 52 3.50 26.00 96.69 3,591.81 0.30 10.98 27.45 118.33

12 > 3,000 4,000 3,500 105 1,929 3.41 62.67 525.89 3,561.22 2.94 19.88 6 58 3.00 29.00 835.27 4,427.08 2.55 13.54 158.83 124.31

13 > 4,000 5,000 4,500 76 2,005 2.47 65.14 445.30 4,006.51 2.49 22.37 0 58 0.00 29.00 0.00 4,427.08 0.00 13.54 0.00 110.50

14 > 5,000 7,500 6,250 133 2,138 4.32 69.46 729.94 4,736.45 4.08 26.45 7 65 3.50 32.50 297.69 4,724.76 0.91 14.45 40.78 99.75

15 > 7,500 10,000 8,750 96 2,234 3.12 72.58 817.60 5,554.05 4.57 31.01 4 69 2.00 34.50 586.76 5,311.52 1.79 16.24 71.77 95.63

16 > 10,000 20,000 15,000 164 2,398 5.33 77.91 1,702.97 7,257.02 9.51 40.52 10 79 5.00 39.50 2,736.85 8,048.38 8.37 24.61 160.71 110.90

17 > 20,000 50,000 35,000 246 2,644 7.99 85.90 3,158.96 10,415.98 17.64 58.16 15 94 7.50 47.00 475.83 8,524.20 1.46 26.07 15.06 81.84

18 > 50,000 100,000 75,000 134 2,778 4.35 90.25 1,436.01 11,851.99 8.02 66.18 39 133 19.50 66.50 16,807.43 25,331.63 51.40 77.47 1,170,43 213.7318 > 50,000 100,000 75,000 134 2,778 4.35 90.25 1,436.01 11,851.99 8.02 66.18 39 133 19.50 66.50 16,807.43 25,331.63 51.40 77.47 1,170,43 213.73

19 > 100,000 500,000 300,000 223 3,001 7.24 97.50 3,305.09 15,157.08 18.45 84.63 44 177 22.00 88.50 2,626.33 27,957.95 8.03 85.50 79.46 184.45

20 > 500,000 77 3,078 2.50 100.00 2,752.07 17,909.15 15.37 100.00 23 200 11.50 100.00 4,739.76 32,697.72 14.50 100.00 172.23 182.58

T O T A L 3,078 17,909.15 200 32,697.72 182.58

Page 58 of 204



Metals (Logam)


1 0 50 25 1,745 1,745 13.63 13.63 3,872.05 3,872.05 5.64 5.64 30 30 4.36 4.36 40.01 40.01 0.03 0.03 1.03 1.03

2 > 50 100 75 293 2,038 2.29 15.92 269.51 4,141.57 0.39 6.03 31 61 4.51 8.87 278.79 318.80 0.22 0.25 103.44 7.70

3 > 100 200 150 498 2,536 3.89 19.81 347.52 4,489.08 0.51 6.54 26 87 3.78 12.65 815.78 1,134.59 0.63 0.88 234.75 25.27

4 > 200 300 250 386 2,922 3.02 22.83 295.12 4,784.20 0.43 6.97 2 89 0.29 12.94 5.00 1,139.59 0.00 0.88 1.69 23.82

5 > 300 500 400 1,020 3,942 7.97 30.80 609.18 5,393.38 0.89 7.85 14 103 2.03 14.97 768.74 1,908.33 0.60 1.48 126.19 35.38




RPrpBAND

LOSS RATIO

FPERCENTAGE


fPERCENTAGE

rp RPPERCENTAGE

5 > 300 500 400 1,020 3,942 7.97 30.80 609.18 5,393.38 0.89 7.85 14 103 2.03 14.97 768.74 1,908.33 0.60 1.48 126.19 35.38

6 > 500 750 625 623 4,565 4.87 35.66 643.46 6,036.84 0.94 8.79 7 110 1.02 15.99 55.71 1,964.04 0.04 1.52 8.66 32.53

7 > 750 1,000 875 705 5,270 5.51 41.17 981.67 7,018.51 1.43 10.22 5 115 0.73 16.72 925.31 2,889.35 0.72 2.24 94.26 41.17

8 > 1,000 1,500 1,250 760 6,030 5.94 47.11 1,430.23 8,448.74 2.08 12.30 13 128 1.89 18.60 1,760.62 4,649.96 1.36 3.60 123.10 55.04

9 > 1,500 2,000 1,750 561 6,591 4.38 51.49 1,510.15 9,958.90 2.20 14.50 10 138 1.45 20.06 2,589.26 7,239.22 2.00 5.61 171.46 72.69

10 > 2,000 2,500 2,250 402 6,993 3.14 54.63 1,234.81 11,193.71 1.80 16.30 16 154 2.33 22.38 2,238.88 9,478.10 1.73 7.34 181.31 84.67

11 > 2,500 3,000 2,750 300 7,293 2.34 56.98 940.25 12,133.96 1.37 17.67 16 170 2.33 24.71 2,426.33 11,904.43 1.88 9.22 258.05 98.11

12 > 3,000 4,000 3,500 492 7,785 3.84 60.82 2,366.56 14,500.52 3.45 21.12 10 180 1.45 26.16 234.10 12,138.52 0.18 9.40 9.89 83.71

13 > 4,000 5,000 4,500 369 8,154 2.88 63.70 2,062.91 16,563.43 3.00 24.12 14 194 2.03 28.20 309.28 12,447.81 0.24 9.64 14.99 75.15

14 > 5,000 7,500 6,250 673 8,827 5.26 68.96 4,464.65 21,028.08 6.50 30.62 35 229 5.09 33.28 5,859.14 18,306.94 4.54 14.18 131.23 87.06

15 > 7,500 10,000 8,750 451 9,278 3.52 72.48 4,085.78 25,113.86 5.95 36.57 42 271 6.10 39.39 5,368.66 23,675.60 4.16 18.33 131.40 94.27

16 > 10,000 20,000 15,000 918 10,196 7.17 79.66 9,960.26 35,074.12 14.50 51.08 49 320 7.12 46.51 14,285.88 37,961.48 11.06 29.39 143.43 108.23

17 > 20,000 50,000 35,000 989 11,185 7.73 87.38 12,095.59 47,169.72 17.61 68.69 46 366 6.69 53.20 4,941.27 42,902.74 3.83 33.22 40.85 90.95

18 > 50,000 100,000 75,000 463 11,648 3.62 91.00 7,839.48 55,009.20 11.42 80.11 42 408 6.10 59.30 7,231.95 50,134.69 5.60 38.82 92.25 91.1418 > 50,000 100,000 75,000 463 11,648 3.62 91.00 7,839.48 55,009.20 11.42 80.11 42 408 6.10 59.30 7,231.95 50,134.69 5.60 38.82 92.25 91.14

19 > 100,000 500,000 300,000 771 12,419 6.02 97.02 11,268.05 66,277.25 16.41 96.52 150 558 21.80 81.10 59,407.97 109,542.66 46.00 84.82 527.22 165.28

20 > 500,000 381 12,800 2.98 100.00 2,392.85 68,670.10 3.48 100.00 130 688 18.90 100.00 19,602.40 129,145.06 15.18 100.00 819.21 188.07

T O T A L 12,800 68,670.10 688 129,145.06 188.07

Page 59 of 204





1 0 50 25 1,125 1,125 7.71 7.71 7,389.70 7,389.70 6.68 6.68 32 32 4.78 4.78 130.98 130.98 0.04 0.04 1.77 1.77

2 > 50 100 75 205 1,330 1.41 9.12 178.30 7,568.00 0.16 6.84 9 41 1.34 6.12 210.29 341.27 0.06 0.09 117.94 4.51

3 > 100 200 150 391 1,721 2.68 11.80 528.26 8,096.26 0.48 7.31 8 49 1.19 7.31 398.43 739.70 0.11 0.20 75.42 9.14

4 > 200 300 250 422 2,143 2.89 14.69 909.16 9,005.42 0.82 8.14 17 66 2.54 9.85 1,037.84 1,777.54 0.28 0.49 114.15 19.74

BANDrp


f FMid Points

NUMBER OF POLICIESPERCENTAGE PERCENTAGE

LOSS RATIO


rp RP



4 > 200 300 250 422 2,143 2.89 14.69 909.16 9,005.42 0.82 8.14 17 66 2.54 9.85 1,037.84 1,777.54 0.28 0.49 114.15 19.74

5 > 300 500 400 720 2,863 4.94 19.63 1,173.21 10,178.63 1.06 9.20 13 79 1.94 11.79 1,137.47 2,915.01 0.31 0.80 96.95 28.64

6 > 500 750 625 711 3,574 4.88 24.51 1,532.23 11,710.87 1.38 10.58 9 88 1.34 13.13 1,020.63 3,935.64 0.28 1.08 66.61 33.61

7 > 750 1,000 875 819 4,393 5.62 30.12 2,088.14 13,799.01 1.89 12.47 16 104 2.39 15.52 1,876.15 5,811.79 0.51 1.59 89.85 42.12

8 > 1,000 1,500 1,250 953 5,346 6.53 36.66 2,911.08 16,710.09 2.63 15.10 14 118 2.09 17.61 4,146.73 9,958.53 1.14 2.73 142.45 59.60

9 > 1,500 2,000 1,750 765 6,111 5.25 41.90 2,659.74 19,369.83 2.40 17.50 24 142 3.58 21.19 3,287.98 13,246.51 0.90 3.64 123.62 68.39

10 > 2,000 2,500 2,250 540 6,651 3.70 45.60 2,192.50 21,562.33 1.98 19.48 14 156 2.09 23.28 2,224.35 15,470.86 0.61 4.25 101.45 71.75

11 > 2,500 3,000 2,750 496 7,147 3.40 49.01 2,562.14 24,124.47 2.31 21.79 13 169 1.94 25.22 6,045.07 21,515.93 1.66 5.90 235.94 89.19

12 > 3,000 4,000 3,500 718 7,865 4.92 53.93 4,135.97 28,260.45 3.74 25.53 20 189 2.99 28.21 7,168.43 28,684.36 1.97 7.87 173.32 101.50

13 > 4,000 5,000 4,500 607 8,472 4.16 58.09 4,067.78 32,328.22 3.67 29.21 9 198 1.34 29.55 152.49 28,836.84 0.04 7.91 3.75 89.20

14 > 5,000 7,500 6,250 972 9,444 6.66 64.76 8,066.63 40,394.86 7.29 36.49 28 226 4.18 33.73 9,365.57 38,202.41 2.57 10.48 116.10 94.57

15 > 7,500 10,000 8,750 676 10,120 4.64 69.39 6,587.89 46,982.74 5.95 42.44 35 261 5.22 38.96 3,104.65 41,307.07 0.85 11.34 47.13 87.92

16 > 10,000 20,000 15,000 1,241 11,361 8.51 77.90 16,312.34 63,295.08 14.74 57.18 69 330 10.30 49.25 13,335.84 54,642.90 3.66 15.00 81.75 86.33

17 > 20,000 50,000 35,000 1,297 12,658 8.89 86.79 19,055.68 82,350.76 17.21 74.40 99 429 14.78 64.03 9,363.76 64,006.66 2.57 17.57 49.14 77.7217 > 20,000 50,000 35,000 1,297 12,658 8.89 86.79 19,055.68 82,350.76 17.21 74.40 99 429 14.78 64.03 9,363.76 64,006.66 2.57 17.57 49.14 77.72

18 > 50,000 100,000 75,000 736 13,394 5.05 91.84 8,653.49 91,004.25 7.82 82.21 51 480 7.61 71.64 2,222.22 66,228.88 0.61 18.18 25.68 72.78

19 > 100,000 500,000 300,000 795 14,189 5.45 97.29 12,128.57 103,132.82 10.96 93.17 111 591 16.57 88.21 288,592.33 354,821.21 79.20 97.37 2,379,44 344.04

20 > 500,000 395 14,584 2.71 100.00 7,561.09 110,693.91 6.83 100.00 79 670 11.79 100.00 9,565.39 364,386.60 2.63 100.00 126.51 329.18

T O T A L 14,584 110,693.91 670 364,386.60 329.18

Page 60 of 204



Textiles (Tekstil)


1 0 50 25 1,558 1,558 8.70 8.70 5,229.08 5,229.08 6.02 6.02 46 46 5.03 5.03 190.31 190.31 0.07 0.07 3.64 3.64

2 > 50 100 75 785 2,343 4.38 13.08 465.71 5,694.79 0.54 6.55 20 66 2.19 7.22 270.86 461.17 0.10 0.18 58.16 8.10

3 > 100 200 150 1,572 3,915 8.78 21.86 1,230.93 6,925.72 1.42 7.97 29 95 3.17 10.39 808.79 1,269.96 0.31 0.49 65.71 18.34

4 > 200 300 250 1,296 5,211 7.24 29.09 1,222.32 8,148.04 1.41 9.38 18 113 1.97 12.36 1,090.57 2,360.53 0.42 0.91 89.22 28.97



rp RP


rp



f FMid Points

F

5 > 300 500 400 1,987 7,198 11.09 40.19 2,785.81 10,933.85 3.21 12.58 23 136 2.52 14.88 1,156.01 3,516.54 0.45 1.36 41.50 32.16

6 > 500 750 625 1,317 8,515 7.35 47.54 2,556.32 13,490.17 2.94 15.53 34 170 3.72 18.60 2,259.32 5,775.86 0.87 2.24 88.38 42.82

7 > 750 1,000 875 1,127 9,642 6.29 53.83 2,831.78 16,321.95 3.26 18.78 5 175 0.55 19.15 253.43 6,029.29 0.10 2.33 8.95 36.94

8 > 1,000 1,500 1,250 1,123 10,765 6.27 60.10 3,288.10 19,610.05 3.78 22.57 11 186 1.20 20.35 1,066.89 7,096.18 0.41 2.75 32.45 36.19

9 > 1,500 2,000 1,750 721 11,486 4.03 64.12 2,719.63 22,329.68 3.13 25.70 14 200 1.53 21.88 201.59 7,297.77 0.08 2.83 7.41 32.68

10 > 2,000 2,500 2,250 440 11,926 2.46 66.58 2,046.84 24,376.53 2.36 28.05 15 215 1.64 23.52 8,548.57 15,846.34 3.31 6.14 417.65 65.01

11 > 2,500 3,000 2,750 459 12,385 2.56 69.14 2,138.51 26,515.04 2.46 30.52 25 240 2.74 26.26 2,259.71 18,106.05 0.88 7.01 105.67 68.29

12 > 3,000 4,000 3,500 532 12,917 2.97 72.11 3,233.77 29,748.82 3.72 34.24 15 255 1.64 27.90 140.53 18,246.58 0.05 7.07 4.35 61.34

13 > 4,000 5,000 4,500 389 13,306 2.17 74.29 2,265.96 32,014.77 2.61 36.85 11 266 1.20 29.10 181.31 18,427.89 0.07 7.14 8.00 57.56

14 > 5,000 7,500 6,250 645 13,951 3.60 77.89 4,758.31 36,773.09 5.48 42.32 26 292 2.84 31.95 9,096.09 27,523.98 3.52 10.66 191.16 74.85

15 > 7,500 10,000 8,750 465 14,416 2.60 80.48 3,627.83 40,400.91 4.18 46.50 34 326 3.72 35.67 4,668.02 32,192.00 1.81 12.47 128.67 79.68

16 > 10,000 20,000 15,000 876 15,292 4.89 85.37 10,138.33 50,539.25 11.67 58.16 89 415 9.74 45.40 17,259.78 49,451.79 6.68 19.15 170.24 97.85

17 > 20,000 50,000 35,000 968 16,260 5.40 90.78 11,936.67 62,475.91 13.74 71.90 137 552 14.99 60.39 54,579.51 104,031.29 21.14 40.29 457.24 166.5117 > 20,000 50,000 35,000 968 16,260 5.40 90.78 11,936.67 62,475.91 13.74 71.90 137 552 14.99 60.39 54,579.51 104,031.29 21.14 40.29 457.24 166.51

18 > 50,000 100,000 75,000 529 16,789 2.95 93.73 7,313.37 69,789.28 8.42 80.32 70 622 7.66 68.05 4,945.10 108,976.39 1.92 42.20 67.62 156.15

19 > 100,000 500,000 300,000 856 17,645 4.78 98.51 12,552.41 82,341.69 14.45 94.77 253 875 27.68 95.73 147,935.44 256,911.83 57.29 99.49 1,178,54 312.01

20 > 500,000 267 17,912 1.49 100.00 4,548.14 86,889.83 5.23 100.00 39 914 4.27 100.00 1,306.52 258,218.35 0.51 100.00 28.73 297.18

T O T A L 17,912 86,889.83 914 258,218.35 297.18

Page 61 of 204





1 0 50 25 1,098 1,098 8.59 8.59 5,115.06 5,115.06 5.55 5.55 66 66 10.03 10.03 195.69 195.69 0.03 0.03 3.83 3.83

2 > 50 100 75 482 1,580 3.77 12.37 246.40 5,361.46 0.27 5.82 4 70 0.61 10.64 138.10 333.79 0.02 0.05 56.05 6.23

3 > 100 200 150 821 2,401 6.43 18.79 689.16 6,050.62 0.75 6.56 16 86 2.43 13.07 374.88 708.67 0.05 0.10 54.40 11.71

4 > 200 300 250 737 3,138 5.77 24.56 883.70 6,934.31 0.96 7.52 15 101 2.28 15.35 792.21 1,500.88 0.11 0.21 89.65 21.64

5 > 300 500 400 1,163 4,301 9.10 33.66 1,787.76 8,722.08 1.94 9.46 42 143 6.38 21.73 1,698.21 3,199.09 0.24 0.45 94.99 36.68

BANDLOSS RATIO

FPERCENTAGE


fPERCENTAGE


RPrp



f FMid Points

5 > 300 500 400 1,163 4,301 9.10 33.66 1,787.76 8,722.08 1.94 9.46 42 143 6.38 21.73 1,698.21 3,199.09 0.24 0.45 94.99 36.68

6 > 500 750 625 855 5,156 6.69 40.36 2,134.33 10,856.41 2.32 11.78 10 153 1.52 23.25 195.98 3,395.07 0.03 0.48 9.18 31.27

7 > 750 1,000 875 707 5,863 5.53 45.89 1,842.22 12,698.63 2.00 13.78 22 175 3.34 26.60 2,229.00 5,624.06 0.32 0.80 121.00 44.29

8 > 1,000 1,500 1,250 897 6,760 7.02 52.91 3,372.25 16,070.88 3.66 17.43 6 181 0.91 27.51 1,452.60 7,076.66 0.21 1.00 43.08 44.03

9 > 1,500 2,000 1,750 644 7,404 5.04 57.95 2,820.92 18,891.80 3.06 20.49 18 199 2.74 30.24 4,273.44 11,350.11 0.61 1.61 151.49 60.08

10 > 2,000 2,500 2,250 428 7,832 3.35 61.30 2,625.53 21,517.33 2.85 23.34 6 205 0.91 31.16 1,717.35 13,067.46 0.24 1.86 65.41 60.73

11 > 2,500 3,000 2,750 397 8,229 3.11 64.41 2,397.37 23,914.71 2.60 25.94 21 226 3.19 34.35 5,085.25 18,152.71 0.72 2.58 212.12 75.91

12 > 3,000 4,000 3,500 468 8,697 3.66 68.07 3,567.97 27,482.67 3.87 29.81 15 241 2.28 36.63 484.79 18,637.51 0.07 2.65 13.59 67.82

13 > 4,000 5,000 4,500 369 9,066 2.89 70.96 3,253.13 30,735.80 3.53 33.34 13 254 1.98 38.60 2,182.38 20,819.89 0.31 2.96 67.09 67.74

14 > 5,000 7,500 6,250 579 9,645 4.53 75.49 5,863.94 36,599.74 6.36 39.70 22 276 3.34 41.95 5,260.41 26,080.30 0.75 3.70 89.71 71.26

15 > 7,500 10,000 8,750 411 10,056 3.22 78.71 4,602.43 41,202.17 4.99 44.69 21 297 3.19 45.14 401.16 26,481.46 0.06 3.76 8.72 64.27

16 > 10,000 20,000 15,000 784 10,840 6.14 84.85 13,037.82 54,239.99 14.14 58.84 68 365 10.33 55.47 21,350.18 47,831.64 3.03 6.79 163.76 88.19

17 > 20,000 50,000 35,000 773 11,613 6.05 90.90 12,926.97 67,166.96 14.02 72.86 53 418 8.05 63.53 25,779.13 73,610.77 3.66 10.45 199.42 109.59

18 > 50,000 100,000 75,000 390 12,003 3.05 93.95 6,922.09 74,089.05 7.51 80.37 75 493 11.40 74.92 8,520.01 82,130.78 1.21 11.66 123.08 110.8518 > 50,000 100,000 75,000 390 12,003 3.05 93.95 6,922.09 74,089.05 7.51 80.37 75 493 11.40 74.92 8,520.01 82,130.78 1.21 11.66 123.08 110.85

19 > 100,000 500,000 300,000 520 12,523 4.07 98.02 12,006.58 86,095.63 13.02 93.39 124 617 18.84 93.77 546,167.56 628,298.34 77.54 89.20 4,548,90 729.77

20 > 500,000 253 12,776 1.98 100.00 6,089.84 92,185.47 6.61 100.00 41 658 6.23 100.00 76,101.08 704,399.42 10.80 100.00 1,249,64 764.11

T O T A L 12,776 92,185.47 658 704,399.42 764.11

Page 62 of 204





1 0 50 25 1,023 1,023 10.77 10.77 3,707.28 3,707.28 4.07 4.07 19 19 4.10 4.10 81.88 81.88 0.05 0.05 2.21 2.21

2 > 50 100 75 629 1,652 6.62 17.39 533.01 4,240.29 0.58 4.65 2 21 0.43 4.54 65.78 147.66 0.04 0.08 12.34 3.48

3 > 100 200 150 768 2,420 8.09 25.48 1,023.51 5,263.80 1.12 5.78 12 33 2.59 7.13 209.20 356.86 0.12 0.20 20.44 6.78

4 > 200 300 250 516 2,936 5.43 30.91 996.26 6,260.07 1.09 6.87 2 35 0.43 7.56 12.66 369.52 0.01 0.21 1.27 5.90



f FPERCENTAGE PERCENTAGE

LOSS RATIO

RP f F


rp

SUM INSURED(in million) Mid Points PERCENTAGEPERCENTAGE

rp RP

5 > 300 500 400 709 3,645 7.46 38.38 1,886.19 8,146.25 2.07 8.94 11 46 2.38 9.94 102.70 472.22 0.06 0.27 5.44 5.80

6 > 500 750 625 531 4,176 5.59 43.97 1,864.05 10,010.30 2.05 10.98 6 52 1.30 11.23 641.58 1,113.80 0.36 0.63 34.42 11.13

7 > 750 1,000 875 488 4,664 5.14 49.11 2,166.06 12,176.37 2.38 13.36 30 82 6.48 17.71 3,191.09 4,304.89 1.81 2.44 147.32 35.35

8 > 1,000 1,500 1,250 533 5,197 5.61 54.72 2,881.05 15,057.42 3.16 16.52 3 85 0.65 18.36 657.98 4,962.87 0.37 2.82 22.84 32.96

9 > 1,500 2,000 1,750 386 5,583 4.06 58.78 2,575.70 17,633.11 2.83 19.35 16 101 3.46 21.81 263.41 5,226.27 0.15 2.97 10.23 29.64

10 > 2,000 2,500 2,250 340 5,923 3.58 62.36 2,684.95 20,318.06 2.95 22.30 14 115 3.02 24.84 2,532.41 7,758.68 1.44 4.40 94.32 38.19

11 > 2,500 3,000 2,750 246 6,169 2.59 64.95 2,351.92 22,669.98 2.58 24.88 6 121 1.30 26.13 2,455.89 10,214.57 1.39 5.80 104.42 45.06

12 > 3,000 4,000 3,500 391 6,560 4.12 69.07 4,150.58 26,820.56 4.55 29.43 12 133 2.59 28.73 3,293.22 13,507.78 1.87 7.67 79.34 50.36

13 > 4,000 5,000 4,500 249 6,809 2.62 71.69 2,974.77 29,795.32 3.26 32.70 12 145 2.59 31.32 1,318.24 14,826.02 0.75 8.42 44.31 49.76

14 > 5,000 7,500 6,250 414 7,223 4.36 76.05 6,496.37 36,291.69 7.13 39.82 23 168 4.97 36.29 7,465.48 22,291.51 4.24 12.65 114.92 61.42

15 > 7,500 10,000 8,750 310 7,533 3.26 79.31 6,334.89 42,626.58 6.95 46.78 35 203 7.56 43.84 15,807.07 38,098.57 8.97 21.63 249.52 89.38

16 > 10,000 20,000 15,000 563 8,096 5.93 85.24 13,116.06 55,742.64 14.39 61.17 56 259 12.10 55.94 14,173.30 52,271.88 8.05 29.67 108.06 93.77

17 > 20,000 50,000 35,000 697 8,793 7.34 92.58 16,919.65 72,662.30 18.57 79.74 62 321 13.39 69.33 22,568.60 74,840.47 12.81 42.48 133.39 103.0017 > 20,000 50,000 35,000 697 8,793 7.34 92.58 16,919.65 72,662.30 18.57 79.74 62 321 13.39 69.33 22,568.60 74,840.47 12.81 42.48 133.39 103.00

18 > 50,000 100,000 75,000 291 9,084 3.06 95.64 8,366.03 81,028.32 9.18 88.92 48 369 10.37 79.70 9,160.56 84,001.03 5.20 47.68 109.50 103.67

19 > 100,000 500,000 300,000 385 9,469 4.05 99.69 9,146.68 90,175.00 10.04 98.95 87 456 18.79 98.49 92,089.95 176,090.98 52.27 99.96 1,006,81 195.28

20 > 500,000 29 9,498 0.31 100.00 953.96 91,128.96 1.05 100.00 7 463 1.51 100.00 78.46 176,169.44 0.04 100.00 8.22 193.32

T O T A L 9,498 91,128.96 463 176,169.44 193.32

Page 63 of 204





1 0 50 25 7,344 7,344 20.91 20.91 8,873.58 8,873.58 6.56 6.56 64 64 4.11 4.11 328.78 328.78 0.15 0.15 3.71 3.71

2 > 50 100 75 2,722 10,066 7.75 28.65 1,285.03 10,158.61 0.95 7.51 20 84 1.28 5.39 190.68 519.46 0.08 0.23 14.84 5.11

3 > 100 200 150 2,998 13,064 8.53 37.19 1,297.21 11,455.82 0.96 8.47 29 113 1.86 7.25 1,524.19 2,043.65 0.68 0.91 117.50 17.84

4 > 200 300 250 1,996 15,060 5.68 42.87 1,321.25 12,777.07 0.98 9.44 44 157 2.82 10.08 1,476.33 3,519.98 0.65 1.56 111.74 27.55

LOSS RATIO


RPPERCENTAGE

rp RP


rp(in million)


f FMid Points

SUM INSURED

4 > 200 300 250 1,996 15,060 5.68 42.87 1,321.25 12,777.07 0.98 9.44 44 157 2.82 10.08 1,476.33 3,519.98 0.65 1.56 111.74 27.55

5 > 300 500 400 2,413 17,473 6.87 49.74 2,505.17 15,282.23 1.85 11.29 44 201 2.82 12.90 2,728.00 6,247.98 1.21 2.77 108.89 40.88

6 > 500 750 625 1,620 19,093 4.61 54.35 1,891.75 17,173.98 1.40 12.69 39 240 2.50 15.40 2,600.30 8,848.28 1.15 3.92 137.45 51.52

7 > 750 1,000 875 1,259 20,352 3.58 57.94 2,124.14 19,298.12 1.57 14.26 7 247 0.45 15.85 954.87 9,803.15 0.42 4.35 44.95 50.80

8 > 1,000 1,500 1,250 1,480 21,832 4.21 62.15 3,279.32 22,577.44 2.42 16.69 30 277 1.93 17.78 3,102.63 12,905.78 1.38 5.72 94.61 57.16

9 > 1,500 2,000 1,750 1,270 23,102 3.62 65.76 2,869.19 25,446.63 2.12 18.81 23 300 1.48 19.26 4,316.22 17,222.00 1.91 7.64 150.43 67.68

10 > 2,000 2,500 2,250 720 23,822 2.05 67.81 2,285.15 27,731.78 1.69 20.49 16 316 1.03 20.28 269.95 17,491.95 0.12 7.76 11.81 63.08

11 > 2,500 3,000 2,750 648 24,470 1.84 69.66 2,395.53 30,127.31 1.77 22.26 6 322 0.39 20.67 53.65 17,545.60 0.02 7.78 2.24 58.24

12 > 3,000 4,000 3,500 1,005 25,475 2.86 72.52 3,897.60 34,024.91 2.88 25.15 49 371 3.15 23.81 4,363.59 21,909.19 1.94 9.72 111.96 64.39

13 > 4,000 5,000 4,500 807 26,282 2.30 74.82 3,697.54 37,722.45 2.73 27.88 28 399 1.80 25.61 999.72 22,908.91 0.44 10.16 27.04 60.73

14 > 5,000 7,500 6,250 1,421 27,703 4.05 78.86 7,930.70 45,653.15 5.86 33.74 51 450 3.27 28.88 9,588.87 32,497.78 4.25 14.42 120.91 71.18

15 > 7,500 10,000 8,750 928 28,631 2.64 81.50 7,828.98 53,482.13 5.79 39.52 52 502 3.34 32.22 3,167.66 35,665.45 1.41 15.82 40.46 66.69

16 > 10,000 20,000 15,000 1,813 30,444 5.16 86.66 18,419.51 71,901.64 13.61 53.14 343 845 22.02 54.24 20,477.58 56,143.03 9.08 24.90 111.17 78.08

17 > 20,000 50,000 35,000 1,947 32,391 5.54 92.21 22,143.37 94,045.01 16.36 69.50 91 936 5.84 60.08 6,798.92 62,941.95 3.02 27.92 30.70 66.9317 > 20,000 50,000 35,000 1,947 32,391 5.54 92.21 22,143.37 94,045.01 16.36 69.50 91 936 5.84 60.08 6,798.92 62,941.95 3.02 27.92 30.70 66.93

18 > 50,000 100,000 75,000 1,095 33,486 3.12 95.32 13,369.96 107,414.97 9.88 79.38 188 1,124 12.07 72.14 103,189.29 166,131.24 45.77 73.69 771.80 154.66

19 > 100,000 500,000 300,000 1,201 34,687 3.42 98.74 15,570.52 122,985.49 11.51 90.89 235 1,359 15.08 87.23 17,159.63 183,290.87 7.61 81.30 110.21 149.03

20 > 500,000 442 35,129 1.26 100.00 12,328.96 135,314.45 9.11 100.00 199 1,558 12.77 100.00 42,152.19 225,443.06 18.70 100.00 341.90 166.61

T O T A L 35,129 135,314.45 1,558 225,443.06 166.61

Page 64 of 204





1 0 50 25 64 64 5.18 5.18 1,025.79 1,025.79 7.29 7.29 2 2 2.27 2.27 28.92 28.92 0.04 0.04 2.82 2.82

2 > 50 100 75 6 70 0.49 5.67 0.63 1,026.42 0.00 7.29 0 2 0.00 2.27 0.00 28.92 0.00 0.04 0.00 2.82

3 > 100 200 150 10 80 0.81 6.48 4.72 1,031.15 0.03 7.33 0 2 0.00 2.27 0.00 28.92 0.00 0.04 0.00 2.80

4 > 200 300 250 18 98 1.46 7.94 12.78 1,043.93 0.09 7.42 3 5 3.41 5.68 277.11 306.03 0.36 0.40 2,168,01 29.32



rp



f FMid Points

LOSS RATIO


4 > 200 300 250 18 98 1.46 7.94 12.78 1,043.93 0.09 7.42 3 5 3.41 5.68 277.11 306.03 0.36 0.40 2,168,01 29.32

5 > 300 500 400 15 113 1.21 9.15 51.69 1,095.62 0.37 7.78 6 11 6.82 12.50 433.57 739.60 0.57 0.97 838.82 67.51

6 > 500 750 625 27 140 2.19 11.34 18.13 1,113.74 0.13 7.91 0 11 0.00 12.50 0.00 739.60 0.00 0.97 0.00 66.41

7 > 750 1,000 875 33 173 2.67 14.01 66.22 1,179.96 0.47 8.38 0 11 0.00 12.50 0.00 739.60 0.00 0.97 0.00 62.68

8 > 1,000 1,500 1,250 46 219 3.72 17.73 52.89 1,232.86 0.38 8.76 0 11 0.00 12.50 0.00 739.60 0.00 0.97 0.00 59.99

9 > 1,500 2,000 1,750 29 248 2.35 20.08 58.64 1,291.49 0.42 9.17 4 15 4.55 17.05 243.95 983.55 0.32 1.29 416.04 76.16

10 > 2,000 2,500 2,250 21 269 1.70 21.78 33.24 1,324.73 0.24 9.41 0 15 0.00 17.05 0.00 983.55 0.00 1.29 0.00 74.25

11 > 2,500 3,000 2,750 22 291 1.78 23.56 29.57 1,354.30 0.21 9.62 0 15 0.00 17.05 0.00 983.55 0.00 1.29 0.00 72.62

12 > 3,000 4,000 3,500 32 323 2.59 26.15 161.81 1,516.10 1.15 10.77 4 19 4.55 21.59 3,821.16 4,804.72 5.01 6.30 2,361,56 316.91

13 > 4,000 5,000 4,500 28 351 2.27 28.42 88.89 1,604.99 0.63 11.40 0 19 0.00 21.59 0.00 4,804.72 0.00 6.30 0.00 299.36

14 > 5,000 7,500 6,250 42 393 3.40 31.82 192.13 1,797.12 1.36 12.77 0 19 0.00 21.59 0.00 4,804.72 0.00 6.30 0.00 267.36

15 > 7,500 10,000 8,750 37 430 3.00 34.82 413.85 2,210.97 2.94 15.71 0 19 0.00 21.59 0.00 4,804.72 0.00 6.30 0.00 217.31

16 > 10,000 20,000 15,000 90 520 7.29 42.11 1,118.83 3,329.80 7.95 23.65 7 26 7.95 29.55 697.00 5,501.71 0.91 7.21 62.30 165.23

17 > 20,000 50,000 35,000 120 640 9.72 51.82 1,557.76 4,887.56 11.07 34.72 12 38 13.64 43.18 23,885.63 29,387.34 31.31 38.53 1,533,33 601.2717 > 20,000 50,000 35,000 120 640 9.72 51.82 1,557.76 4,887.56 11.07 34.72 12 38 13.64 43.18 23,885.63 29,387.34 31.31 38.53 1,533,33 601.27

18 > 50,000 100,000 75,000 69 709 5.59 57.41 1,072.71 5,960.27 7.62 42.34 0 38 0.00 43.18 0.00 29,387.34 0.00 38.53 0.00 493.05

19 > 100,000 500,000 300,000 283 992 22.91 80.32 3,816.51 9,776.78 27.11 69.45 29 67 32.95 76.14 17,971.17 47,358.51 23.56 62.09 470.88 484.40

20 > 500,000 243 1,235 19.68 100.00 4,300.20 14,076.98 30.55 100.00 21 88 23.86 100.00 28,917.42 76,275.94 37.91 100.00 672.47 541.85

T O T A L 1,235 14,076.98 88 76,275.94 541.85

Page 65 of 204








rp



f

LOSS RATIO

f FPERCENTAGEPERCENTAGEMid Points

F

1 0 50 25 159,728 159,728 14.02 14.02 73,078.61 73,078.61 5.26 5.26 595 595 6.30 6.30 4,490.89 4,490.89 0.28 0.28 6.15 6.15

2 > 50 100 75 144,372 304,100 12.67 26.69 28,511.82 101,590.43 2.05 7.31 488 1,083 5.17 11.47 8,419.16 12,910.05 0.52 0.80 29.53 12.71

3 > 100 200 150 211,494 515,594 18.56 45.25 70,272.43 171,862.86 5.06 12.36 704 1,787 7.46 18.93 19,332.11 32,242.16 1.20 2.00 27.51 18.76

4 > 200 300 250 136,742 652,336 12.00 57.25 66,757.94 238,620.80 4.80 17.17 463 2,250 4.90 23.83 16,349.28 48,591.43 1.02 3.02 24.49 20.36

5 > 300 500 400 159,696 812,032 14.02 71.27 129,831.08 368,451.88 9.34 26.51 675 2,925 7.15 30.98 30,437.94 79,029.37 1.89 4.91 23.44 21.45

6 > 500 750 625 87,270 899,302 7.66 78.93 100,731.90 469,183.77 7.25 33.75 453 3,378 4.80 35.78 22,441.98 101,471.35 1.40 6.31 22.28 21.63

7 > 750 1,000 875 67,400 966,702 5.92 84.84 104,951.01 574,134.79 7.55 41.30 377 3,755 3.99 39.77 24,061.22 125,532.56 1.50 7.81 22.93 21.86

8 > 1,000 1,500 1,250 50,350 1,017,052 4.42 89.26 105,796.18 679,930.97 7.61 48.92 456 4,211 4.83 44.60 26,998.65 152,531.21 1.68 9.48 25.52 22.43

9 > 1,500 2,000 1,750 28,380 1,045,432 2.49 91.75 80,784.75 760,715.72 5.81 54.73 482 4,693 5.11 49.71 31,844.54 184,375.76 1.98 11.47 39.42 24.24

10 > 2,000 2,500 2,250 15,515 1,060,947 1.36 93.11 52,750.01 813,465.73 3.79 58.52 188 4,881 1.99 51.70 26,228.95 210,604.70 1.63 13.10 49.72 25.89

11 > 2,500 3,000 2,750 12,308 1,073,255 1.08 94.19 47,103.94 860,569.67 3.39 61.91 222 5,103 2.35 54.05 28,748.13 239,352.84 1.79 14.88 61.03 27.81

12 > 3,000 4,000 3,500 13,986 1,087,241 1.23 95.42 61,028.12 921,597.79 4.39 66.30 199 5,302 2.11 56.16 11,029.33 250,382.17 0.69 15.57 18.07 27.1712 > 3,000 4,000 3,500 13,986 1,087,241 1.23 95.42 61,028.12 921,597.79 4.39 66.30 199 5,302 2.11 56.16 11,029.33 250,382.17 0.69 15.57 18.07 27.17

13 > 4,000 5,000 4,500 9,394 1,096,635 0.82 96.25 48,355.39 969,953.18 3.48 69.78 158 5,460 1.67 57.83 13,740.07 264,122.24 0.85 16.42 28.41 27.23

14 > 5,000 7,500 6,250 11,291 1,107,926 0.99 97.24 68,253.47 1,038,206.65 4.91 74.69 384 5,844 4.07 61.90 54,683.30 318,805.54 3.40 19.82 80.12 30.71

15 > 7,500 10,000 8,750 6,965 1,114,891 0.61 97.85 52,186.58 1,090,393.23 3.75 78.44 273 6,117 2.89 64.79 29,968.65 348,774.20 1.86 21.69 57.43 31.99

16 > 10,000 20,000 15,000 9,974 1,124,865 0.88 98.72 102,184.07 1,192,577.30 7.35 85.80 507 6,624 5.37 70.16 75,180.54 423,954.74 4.67 26.36 73.57 35.55

17 > 20,000 50,000 35,000 7,500 1,132,365 0.66 99.38 87,133.80 1,279,711.10 6.27 92.06 538 7,162 5.70 75.86 80,530.99 504,485.73 5.01 31.37 92.42 39.42

18 > 50,000 100,000 75,000 3,069 1,135,434 0.27 99.65 37,999.07 1,317,710.17 2.73 94.80 417 7,579 4.42 80.28 35,447.61 539,933.34 2.20 33.57 93.29 40.98

19 > 100,000 500,000 300,000 3,098 1,138,532 0.27 99.92 53,606.23 1,371,316.40 3.86 98.65 1,416 8,995 15.00 95.28 940,518.85 1,480,452.19 58.48 92.06 1,754,50 107.96

20 > 500,000 880 1,139,412 0.08 100.00 18,696.62 1,390,013.02 1.35 100.00 446 9,441 4.72 100.00 127,704.74 1,608,156.93 7.94 100.00 683.04 115.69

T O T A L 1,139,412 1,390,013.02 9,441 1,608,156.93 115.69

Page 66 of 204Page 66 of 204





1 0 50 25 11 11 2.05 2.05 6.18 6.18 0.07 0.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 8 19 1.49 3.54 2.49 8.67 0.03 0.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 19 38 3.54 7.09 17.06 25.74 0.20 0.30 2 2 12.50 12.50 28.64 28.64 10.63 10.63 167.83 111.27

4 > 200 300 250 25 63 4.66 11.75 25.49 51.23 0.29 0.59 0 2 0.00 12.50 0.00 28.64 0.00 10.63 0.00 55.90

5 > 300 500 400 43 106 8.02 19.78 182.58 233.81 2.11 2.70 0 2 0.00 12.50 0.00 28.64 0.00 10.63 0.00 12.25

LOSS RATIO

FPERCENTAGE

F


RP fPERCENTAGE

rp RPBAND

rp


NUMBER OF POLICIES

fMid Points PERCENTAGE PERCENTAGE


5 > 300 500 400 43 106 8.02 19.78 182.58 233.81 2.11 2.70 0 2 0.00 12.50 0.00 28.64 0.00 10.63 0.00 12.25

6 > 500 750 625 49 155 9.14 28.92 252.53 486.34 2.92 5.62 2 4 12.50 25.00 7.20 35.84 2.67 13.30 2.85 7.37

7 > 750 1,000 875 17 172 3.17 32.09 57.17 543.52 0.66 6.28 0 4 0.00 25.00 0.00 35.84 0.00 13.30 0.00 6.59

8 > 1,000 1,500 1,250 31 203 5.78 37.87 211.03 754.55 2.44 8.72 0 4 0.00 25.00 0.00 35.84 0.00 13.30 0.00 4.75

9 > 1,500 2,000 1,750 40 243 7.46 45.34 331.47 1,086.02 3.83 12.55 0 4 0.00 25.00 0.00 35.84 0.00 13.30 0.00 3.30

10 > 2,000 2,500 2,250 29 272 5.41 50.75 374.22 1,460.24 4.33 16.88 2 6 12.50 37.50 107.46 143.30 39.87 53.17 28.72 9.81

11 > 2,500 3,000 2,750 16 288 2.99 53.73 224.29 1,684.53 2.59 19.47 0 6 0.00 37.50 0.00 143.30 0.00 53.17 0.00 8.51

12 > 3,000 4,000 3,500 36 324 6.72 60.45 497.33 2,181.87 5.75 25.22 0 6 0.00 37.50 0.00 143.30 0.00 53.17 0.00 6.57

13 > 4,000 5,000 4,500 12 336 2.24 62.69 137.25 2,319.12 1.59 26.81 0 6 0.00 37.50 0.00 143.30 0.00 53.17 0.00 6.18

14 > 5,000 7,500 6,250 42 378 7.84 70.52 767.55 3,086.67 8.87 35.68 0 6 0.00 37.50 0.00 143.30 0.00 53.17 0.00 4.64

15 > 7,500 10,000 8,750 33 411 6.16 76.68 748.82 3,835.49 8.66 44.34 2 8 12.50 50.00 7.99 151.29 2.96 56.13 1.07 3.94

16 > 10,000 20,000 15,000 73 484 13.62 90.30 2,626.73 6,462.22 30.37 74.70 2 10 12.50 62.50 31.66 182.96 11.75 67.88 1.21 2.83

17 > 20,000 50,000 35,000 43 527 8.02 98.32 1,879.97 8,342.18 21.73 96.44 6 16 37.50 100.00 86.57 269.53 32.12 100.00 4.60 3.23

18 > 50,000 100,000 75,000 9 536 1.68 100.00 308.16 8,650.34 3.56 100.00 0 16 0.00 100.00 0.00 269.53 0.00 100.00 0.00 3.1218 > 50,000 100,000 75,000 9 536 1.68 100.00 308.16 8,650.34 3.56 100.00 0 16 0.00 100.00 0.00 269.53 0.00 100.00 0.00 3.12

19 > 100,000 500,000 300,000 0 536 0.00 100.00 0.00 8,650.34 0.00 100.00 0 16 0.00 100.00 0.00 269.53 0.00 100.00 0.00 3.12

20 > 500,000 0 536 0.00 100.00 0.00 8,650.34 0.00 100.00 0 16 0.00 100.00 0.00 269.53 0.00 100.00 0.00 3.12

T O T A L 536 8,650.34 16 269.53 3.12

Page 67 of 204





1 0 50 25 50 50 3.38 3.38 452.06 452.06 2.29 2.29 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 16 66 1.08 4.46 2.41 454.47 0.01 2.30 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 30 96 2.03 6.49 18.35 472.82 0.09 2.40 4 4 4.44 4.44 184.47 184.47 2.84 2.84 1,005,32 39.02

4 > 200 300 250 32 128 2.16 8.65 (1,85) 470.96 (0,01) 2.39 0 4 0.00 4.44 0.00 184.47 0.00 2.84 0.00 39.17

5 > 300 500 400 37 165 2.50 11.16 19.54 490.50 0.10 2.49 0 4 0.00 4.44 0.00 184.47 0.00 2.84 0.00 37.61

PERCENTAGErp RP




RP f

LOSS RATIO

FPERCENTAGEBAND

rp


NUMBER OF POLICIES

f

5 > 300 500 400 37 165 2.50 11.16 19.54 490.50 0.10 2.49 0 4 0.00 4.44 0.00 184.47 0.00 2.84 0.00 37.61

6 > 500 750 625 44 209 2.97 14.13 92.01 582.51 0.47 2.95 0 4 0.00 4.44 0.00 184.47 0.00 2.84 0.00 31.67

7 > 750 1,000 875 26 235 1.76 15.89 24.01 606.52 0.12 3.08 0 4 0.00 4.44 0.00 184.47 0.00 2.84 0.00 30.42

8 > 1,000 1,500 1,250 67 302 4.53 20.42 111.42 717.94 0.57 3.64 0 4 0.00 4.44 0.00 184.47 0.00 2.84 0.00 25.69

9 > 1,500 2,000 1,750 85 387 5.75 26.17 117.24 835.18 0.59 4.24 6 10 6.67 11.11 393.32 577.79 6.05 8.88 335.46 69.18

10 > 2,000 2,500 2,250 45 432 3.04 29.21 165.70 1,000.88 0.84 5.08 0 10 0.00 11.11 0.00 577.79 0.00 8.88 0.00 57.73

11 > 2,500 3,000 2,750 46 478 3.11 32.32 241.82 1,242.70 1.23 6.30 0 10 0.00 11.11 0.00 577.79 0.00 8.88 0.00 46.49

12 > 3,000 4,000 3,500 88 566 5.95 38.27 437.41 1,680.11 2.22 8.52 2 12 2.22 13.33 2.92 580.71 0.04 8.93 0.67 34.56

13 > 4,000 5,000 4,500 53 619 3.58 41.85 373.42 2,053.54 1.89 10.41 4 16 4.44 17.78 22.94 603.65 0.35 9.28 6.14 29.40

14 > 5,000 7,500 6,250 112 731 7.57 49.43 719.55 2,773.09 3.65 14.06 9 25 10.00 27.78 770.19 1,373.84 11.84 21.12 107.04 49.54

15 > 7,500 10,000 8,750 40 771 2.70 52.13 465.88 3,238.96 2.36 16.43 9 34 10.00 37.78 363.32 1,737.16 5.58 26.70 77.99 53.63

16 > 10,000 20,000 15,000 101 872 6.83 58.96 699.36 3,938.33 3.55 19.97 9 43 10.00 47.78 152.96 1,890.11 2.35 29.05 21.87 47.99

17 > 20,000 50,000 35,000 207 1,079 14.00 72.95 5,861.02 9,799.35 29.72 49.70 17 60 18.89 66.67 593.55 2,483.66 9.12 38.18 10.13 25.35

18 > 50,000 100,000 75,000 219 1,298 14.81 87.76 5,521.29 15,320.64 28.00 77.70 14 74 15.56 82.22 3,304.17 5,787.83 50.79 88.97 59.84 37.7818 > 50,000 100,000 75,000 219 1,298 14.81 87.76 5,521.29 15,320.64 28.00 77.70 14 74 15.56 82.22 3,304.17 5,787.83 50.79 88.97 59.84 37.78

19 > 100,000 500,000 300,000 162 1,460 10.95 98.72 4,199.91 19,520.55 21.30 99.00 13 87 14.44 96.67 327.35 6,115.18 5.03 94.00 7.79 31.33

20 > 500,000 19 1,479 1.28 100.00 197.34 19,717.89 1.00 100.00 3 90 3.33 100.00 390.19 6,505.37 6.00 100.00 197.73 32.99

T O T A L 1,479 19,717.89 90 6,505.37 32.99

Page 68 of 204





1 0 50 25 1 1 0.39 0.39 0.43 0.43 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 21 22 8.11 8.49 67.92 68.35 1.86 1.87 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 12 34 4.63 13.13 19.62 87.97 0.54 2.40 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 9 43 3.47 16.60 11.93 99.91 0.33 2.73 6 6 7.14 7.14 491.40 491.40 23.63 23.63 4,117,48 491.85

5 > 300 500 400 7 50 2.70 19.31 5.68 105.59 0.16 2.88 0 6 0.00 7.14 0.00 491.40 0.00 23.63 0.00 465.38

(in million)NUMBER OF POLICIES


LOSS RATIO


rp RPBAND

rp

SUM INSURED CLAIM SEVERITY (in million Rupiah)ORIGINAL PREMIUM (in million Rupiah) CLAIM FREQUENCYPERCENTAGE

RP fPERCENTAGE

5 > 300 500 400 7 50 2.70 19.31 5.68 105.59 0.16 2.88 0 6 0.00 7.14 0.00 491.40 0.00 23.63 0.00 465.38

6 > 500 750 625 4 54 1.54 20.85 4.49 110.08 0.12 3.01 0 6 0.00 7.14 0.00 491.40 0.00 23.63 0.00 446.42

7 > 750 1,000 875 6 60 2.32 23.17 4.23 114.30 0.12 3.12 0 6 0.00 7.14 0.00 491.40 0.00 23.63 0.00 429.91

8 > 1,000 1,500 1,250 21 81 8.11 31.27 83.20 197.51 2.27 5.39 2 8 2.38 9.52 10.66 502.06 0.51 24.14 12.81 254.20

9 > 1,500 2,000 1,750 6 87 2.32 33.59 1.64 199.14 0.04 5.44 0 8 0.00 9.52 0.00 502.06 0.00 24.14 0.00 252.11

10 > 2,000 2,500 2,250 16 103 6.18 39.77 95.01 294.16 2.59 8.03 4 12 4.76 14.29 16.68 518.74 0.80 24.95 17.56 176.35

11 > 2,500 3,000 2,750 4 107 1.54 41.31 1.82 295.98 0.05 8.08 0 12 0.00 14.29 0.00 518.74 0.00 24.95 0.00 175.26

12 > 3,000 4,000 3,500 11 118 4.25 45.56 6.26 302.24 0.17 8.25 0 12 0.00 14.29 0.00 518.74 0.00 24.95 0.00 171.63

13 > 4,000 5,000 4,500 2 120 0.77 46.33 1.50 303.74 0.04 8.30 0 12 0.00 14.29 0.00 518.74 0.00 24.95 0.00 170.79

14 > 5,000 7,500 6,250 45 165 17.37 63.71 650.46 954.20 17.76 26.06 4 16 4.76 19.05 460.12 978.86 22.13 47.07 70.74 102.58

15 > 7,500 10,000 8,750 7 172 2.70 66.41 46.00 1,000.19 1.26 27.32 0 16 0.00 19.05 0.00 978.86 0.00 47.07 0.00 97.87

16 > 10,000 20,000 15,000 38 210 14.67 81.08 862.34 1,862.54 23.55 50.87 4 20 4.76 23.81 26.56 1,005.42 1.28 48.35 3.08 53.98

17 > 20,000 50,000 35,000 12 222 4.63 85.71 354.84 2,217.38 9.69 60.56 34 54 40.48 64.29 263.30 1,268.72 12.66 61.01 74.20 57.22

18 > 50,000 100,000 75,000 19 241 7.34 93.05 1,049.69 3,267.07 28.67 89.22 4 58 4.76 69.05 306.78 1,575.51 14.75 75.76 29.23 48.2218 > 50,000 100,000 75,000 19 241 7.34 93.05 1,049.69 3,267.07 28.67 89.22 4 58 4.76 69.05 306.78 1,575.51 14.75 75.76 29.23 48.22

19 > 100,000 500,000 300,000 17 258 6.56 99.61 375.76 3,642.83 10.26 99.49 26 84 30.95 100.00 503.99 2,079.50 24.24 100.00 134.13 57.08

20 > 500,000 1 259 0.39 100.00 18.85 3,661.68 0.51 100.00 0 84 0.00 100.00 0.00 2,079.50 0.00 100.00 0.00 56.79

T O T A L 259 3,661.68 84 2,079.50 56.79

Page 69 of 204






1 0 50 25 464 464 31.31 31.31 583.73 583.73 6.79 6.79 9 9 18.37 18.37 22.86 22.86 1.14 1.14 3.92 3.92

2 > 50 100 75 241 705 16.26 47.57 126.80 710.53 1.48 8.27 2 11 4.08 22.45 54.26 77.12 2.71 3.85 42.79 10.85

3 > 100 200 150 264 969 17.81 65.38 136.91 847.44 1.59 9.86 3 14 6.12 28.57 198.44 275.56 9.90 13.74 144.94 32.52

4 > 200 300 250 26 995 1.75 67.14 17.73 865.17 0.21 10.06 0 14 0.00 28.57 0.00 275.56 0.00 13.74 0.00 31.85

5 > 300 500 400 30 1,025 2.02 69.16 44.23 909.40 0.51 10.58 0 14 0.00 28.57 0.00 275.56 0.00 13.74 0.00 30.30

FMid Points PERCENTAGE

CLAIM FREQUENCY

PERCENTAGERP f

PERCENTAGE



rp RPBAND

rp


(in million)

NUMBER OF POLICIES

f

5 > 300 500 400 30 1,025 2.02 69.16 44.23 909.40 0.51 10.58 0 14 0.00 28.57 0.00 275.56 0.00 13.74 0.00 30.30

6 > 500 750 625 15 1,040 1.01 70.18 50.11 959.51 0.58 11.16 0 14 0.00 28.57 0.00 275.56 0.00 13.74 0.00 28.72

7 > 750 1,000 875 20 1,060 1.35 71.52 45.63 1,005.14 0.53 11.69 0 14 0.00 28.57 0.00 275.56 0.00 13.74 0.00 27.42

8 > 1,000 1,500 1,250 27 1,087 1.82 73.35 59.51 1,064.65 0.69 12.39 0 14 0.00 28.57 0.00 275.56 0.00 13.74 0.00 25.88

9 > 1,500 2,000 1,750 30 1,117 2.02 75.37 89.20 1,153.85 1.04 13.42 0 14 0.00 28.57 0.00 275.56 0.00 13.74 0.00 23.88

10 > 2,000 2,500 2,250 13 1,130 0.88 76.25 52.19 1,206.03 0.61 14.03 0 14 0.00 28.57 0.00 275.56 0.00 13.74 0.00 22.85

11 > 2,500 3,000 2,750 9 1,139 0.61 76.86 35.20 1,241.23 0.41 14.44 3 17 6.12 34.69 738.74 1,014.30 36.84 50.58 2,098,79 81.72

12 > 3,000 4,000 3,500 17 1,156 1.15 78.00 128.50 1,369.73 1.49 15.93 0 17 0.00 34.69 0.00 1,014.30 0.00 50.58 0.00 74.05

13 > 4,000 5,000 4,500 14 1,170 0.94 78.95 61.41 1,431.14 0.71 16.65 10 27 20.41 55.10 113.78 1,128.08 5.67 56.25 185.29 78.82

14 > 5,000 7,500 6,250 39 1,209 2.63 81.58 388.91 1,820.05 4.52 21.17 0 27 0.00 55.10 0.00 1,128.08 0.00 56.25 0.00 61.98

15 > 7,500 10,000 8,750 21 1,230 1.42 83.00 398.87 2,218.92 4.64 25.81 2 29 4.08 59.18 455.69 1,583.77 22.72 78.97 114.25 71.38

16 > 10,000 20,000 15,000 57 1,287 3.85 86.84 1,191.42 3,410.33 13.86 39.67 5 34 10.20 69.39 283.72 1,867.49 14.15 93.12 23.81 54.76

17 > 20,000 50,000 35,000 86 1,373 5.80 92.65 2,748.70 6,159.04 31.98 71.65 9 43 18.37 87.76 53.84 1,921.34 2.68 95.80 1.96 31.20

18 > 50,000 100,000 75,000 76 1,449 5.13 97.77 1,027.23 7,186.27 11.95 83.60 6 49 12.24 100.00 84.13 2,005.47 4.20 100.00 8.19 27.9118 > 50,000 100,000 75,000 76 1,449 5.13 97.77 1,027.23 7,186.27 11.95 83.60 6 49 12.24 100.00 84.13 2,005.47 4.20 100.00 8.19 27.91

19 > 100,000 500,000 300,000 32 1,481 2.16 99.93 1,359.67 8,545.94 15.82 99.42 0 49 0.00 100.00 0.00 2,005.47 0.00 100.00 0.00 23.47

20 > 500,000 1 1,482 0.07 100.00 50.26 8,596.20 0.58 100.00 0 49 0.00 100.00 0.00 2,005.47 0.00 100.00 0.00 23.33

T O T A L 1,482 8,596.20 49 2,005.47 23.33

Page 70 of 204





1 0 50 25 1,769 1,769 13.05 13.05 624.04 624.04 3.23 3.23 6 6 7.59 7.59 55.23 55.23 1.69 1.69 8.85 8.85

2 > 50 100 75 2,300 4,069 16.97 30.02 680.36 1,304.40 3.52 6.76 4 10 5.06 12.66 18.76 73.99 0.57 2.26 2.76 5.67

3 > 100 200 150 3,418 7,487 25.22 55.24 1,972.34 3,276.74 10.22 16.97 18 28 22.78 35.44 675.95 749.94 20.64 22.90 34.27 22.89

4 > 200 300 250 2,041 9,528 15.06 70.30 1,909.75 5,186.48 9.89 26.86 24 52 30.38 65.82 751.86 1,501.80 22.96 45.86 39.37 28.96

5 > 300 500 400 1,923 11,451 14.19 84.49 2,690.28 7,876.76 13.93 40.80 10 62 12.66 78.48 692.90 2,194.70 21.16 67.02 25.76 27.86

6 > 500 750 625 682 12,133 5.03 89.52 1,508.92 9,385.68 7.82 48.61 4 66 5.06 83.54 631.27 2,825.97 19.28 86.30 41.84 30.11

7 > 750 1,000 875 496 12,629 3.66 93.18 1,605.32 10,991.00 8.31 56.93 4 70 5.06 88.61 119.79 2,945.76 3.66 89.96 7.46 26.80

8 > 1,000 1,500 1,250 317 12,946 2.34 95.52 1,175.24 12,166.25 6.09 63.02 6 76 7.59 96.20 230.07 3,175.83 7.03 96.99 19.58 26.10


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES


8 > 1,000 1,500 1,250 317 12,946 2.34 95.52 1,175.24 12,166.25 6.09 63.02 6 76 7.59 96.20 230.07 3,175.83 7.03 96.99 19.58 26.10

9 > 1,500 2,000 1,750 150 13,096 1.11 96.63 645.11 12,811.35 3.34 66.36 0 76 0.00 96.20 0.00 3,175.83 0.00 96.99 0.00 24.79

10 > 2,000 2,500 2,250 80 13,176 0.59 97.22 496.50 13,307.86 2.57 68.93 0 76 0.00 96.20 0.00 3,175.83 0.00 96.99 0.00 23.86

11 > 2,500 3,000 2,750 66 13,242 0.49 97.71 545.78 13,853.63 2.83 71.76 2 78 2.53 98.73 98.65 3,274.48 3.01 100.00 18.07 23.64

12 > 3,000 4,000 3,500 66 13,308 0.49 98.19 398.80 14,252.43 2.07 73.82 0 78 0.00 98.73 0.00 3,274.48 0.00 100.00 0.00 22.97

13 > 4,000 5,000 4,500 37 13,345 0.27 98.47 283.22 14,535.65 1.47 75.29 0 78 0.00 98.73 0.00 3,274.48 0.00 100.00 0.00 22.53

14 > 5,000 7,500 6,250 54 13,399 0.40 98.86 672.19 15,207.84 3.48 78.77 1 79 1.27 100.00 0.00 3,274.48 0.00 100.00 0.00 21.53

15 > 7,500 10,000 8,750 20 13,419 0.15 99.01 236.77 15,444.61 1.23 80.00 0 79 0.00 100.00 0.00 3,274.48 0.00 100.00 0.00 21.20

16 > 10,000 20,000 15,000 30 13,449 0.22 99.23 747.88 16,192.49 3.87 83.87 0 79 0.00 100.00 0.00 3,274.48 0.00 100.00 0.00 20.22

17 > 20,000 50,000 35,000 65 13,514 0.48 99.71 2,005.73 18,198.22 10.39 94.26 0 79 0.00 100.00 0.00 3,274.48 0.00 100.00 0.00 17.99

18 > 50,000 100,000 75,000 18 13,532 0.13 99.85 365.95 18,564.17 1.90 96.15 0 79 0.00 100.00 0.00 3,274.48 0.00 100.00 0.00 17.64

19 > 100,000 500,000 300,000 10 13,542 0.07 99.92 89.84 18,654.00 0.47 96.62 0 79 0.00 100.00 0.00 3,274.48 0.00 100.00 0.00 17.55

20 > 500,000 11 13,553 0.08 100.00 652.70 19,306.70 3.38 100.00 0 79 0.00 100.00 0.00 3,274.48 0.00 100.00 0.00 16.96

T O T A L 13,553 19,306.70 79 3,274.48 16.96T O T A L 13,553 19,306.70 79 3,274.48 16.96

Page 71 of 204




1 0 50 25 13,165 13,165 14.82 14.82 6,135.41 6,135.41 4.48 4.48 35 35 4.72 4.72 224.89 224.89 0.04 0.04 3.67 3.67

2 > 50 100 75 11,856 25,021 13.35 28.17 2,101.11 8,236.52 1.53 6.01 24 59 3.24 7.96 636.30 861.19 0.11 0.15 30.28 10.46

3 > 100 200 150 17,042 42,063 19.19 47.37 5,250.80 13,487.31 3.83 9.84 62 121 8.37 16.33 2,007.79 2,868.98 0.35 0.50 38.24 21.27

4 > 200 300 250 11,794 53,857 13.28 60.65 5,998.03 19,485.35 4.38 14.22 34 155 4.59 20.92 1,776.36 4,645.33 0.31 0.81 29.62 23.84

5 > 300 500 400 12,508 66,365 14.08 74.73 10,785.76 30,271.10 7.87 22.09 49 204 6.61 27.53 2,128.84 6,774.17 0.37 1.19 19.74 22.38

6 > 500 750 625 5,943 72,308 6.69 81.42 7,579.82 37,850.93 5.53 27.62 42 246 5.67 33.20 3,017.59 9,791.76 0.53 1.72 39.81 25.87

RPBAND

rp


NUMBER OF POLICIES



LOSS RATIO


rp

6 > 500 750 625 5,943 72,308 6.69 81.42 7,579.82 37,850.93 5.53 27.62 42 246 5.67 33.20 3,017.59 9,791.76 0.53 1.72 39.81 25.87

7 > 750 1,000 875 4,112 76,420 4.63 86.05 7,873.64 45,724.56 5.74 33.36 23 269 3.10 36.30 1,399.44 11,191.20 0.25 1.96 17.77 24.48

8 > 1,000 1,500 1,250 2,994 79,414 3.37 89.42 7,016.30 52,740.86 5.12 38.48 44 313 5.94 42.24 3,718.68 14,909.88 0.65 2.61 53.00 28.27

9 > 1,500 2,000 1,750 1,758 81,172 1.98 91.40 5,865.51 58,606.37 4.28 42.76 18 331 2.43 44.67 1,629.07 16,538.96 0.29 2.90 27.77 28.22

10 > 2,000 2,500 2,250 912 82,084 1.03 92.43 3,726.50 62,332.87 2.72 45.48 26 357 3.51 48.18 4,063.41 20,602.36 0.71 3.61 109.04 33.05

11 > 2,500 3,000 2,750 795 82,879 0.90 93.33 3,580.94 65,913.81 2.61 48.09 22 379 2.97 51.15 1,097.56 21,699.92 0.19 3.80 30.65 32.92

12 > 3,000 4,000 3,500 1,002 83,881 1.13 94.45 4,933.20 70,847.01 3.60 51.69 22 401 2.97 54.12 249.98 21,949.91 0.04 3.85 5.07 30.98

13 > 4,000 5,000 4,500 710 84,591 0.80 95.25 4,358.04 75,205.04 3.18 54.87 17 418 2.29 56.41 1,704.16 23,654.07 0.30 4.15 39.10 31.45

14 > 5,000 7,500 6,250 881 85,472 0.99 96.25 6,948.21 82,153.26 5.07 59.94 21 439 2.83 59.24 5,913.67 29,567.74 1.04 5.18 85.11 35.99

15 > 7,500 10,000 8,750 506 85,978 0.57 96.82 5,034.68 87,187.93 3.67 63.61 39 478 5.26 64.51 9,436.22 39,003.96 1.65 6.84 187.42 44.74

16 > 10,000 20,000 15,000 838 86,816 0.94 97.76 10,890.29 98,078.23 7.95 71.56 52 530 7.02 71.52 5,703.82 44,707.78 1.00 7.84 52.38 45.58

17 > 20,000 50,000 35,000 999 87,815 1.12 98.88 16,756.54 114,834.76 12.23 83.78 64 594 8.64 80.16 9,057.27 53,765.05 1.59 9.43 54.05 46.82

18 > 50,000 100,000 75,000 476 88,291 0.54 99.42 9,171.61 124,006.38 6.69 90.47 60 654 8.10 88.26 9,642.38 63,407.43 1.69 11.12 105.13 51.13

19 > 100,000 500,000 300,000 383 88,674 0.43 99.85 11,039.74 135,046.11 8.05 98.53 75 729 10.12 98.38 506,631.37 570,038.81 88.83 99.94 4,589,16 422.11

20 > 500,000 132 88,806 0.15 100.00 2,016.81 137,062.92 1.47 100.00 12 741 1.62 100.00 325.46 570,364.26 0.06 100.00 16.14 416.13

T O T A L 88,806 137,062.92 741 570,364.26 416.13

Page 72 of 204





1 0 50 25 4,287 4,287 10.39 10.39 1,781.67 1,781.67 4.44 4.44 3 3 2.97 2.97 12.80 12.80 0.10 0.10 0.72 0.72

2 > 50 100 75 5,741 10,028 13.91 24.31 1,029.03 2,810.71 2.56 7.00 2 5 1.98 4.95 0.00 12.80 0.00 0.10 0.00 0.46

3 > 100 200 150 9,607 19,635 23.28 47.59 2,784.43 5,595.14 6.93 13.93 14 19 13.86 18.81 363.70 376.49 2.72 2.82 13.06 6.73

4 > 200 300 250 6,496 26,131 15.74 63.33 2,794.18 8,389.32 6.96 20.89 10 29 9.90 28.71 688.66 1,065.16 5.15 7.97 24.65 12.70

5 > 300 500 400 6,123 32,254 14.84 78.17 5,041.42 13,430.74 12.55 33.44 12 41 11.88 40.59 800.93 1,866.08 5.99 13.96 15.89 13.89

6 > 500 750 625 2,455 34,709 5.95 84.12 3,283.00 16,713.74 8.17 41.62 11 52 10.89 51.49 200.12 2,066.21 1.50 15.45 6.10 12.36

7 > 750 1,000 875 1,825 36,534 4.42 88.55 3,592.88 20,306.61 8.95 50.57 6 58 5.94 57.43 1,054.66 3,120.87 7.89 23.34 29.35 15.37

CLAIM FREQUENCYNUMBER OF POLICIES



LOSS RATIOORIGINAL PREMIUM (in million Rupiah)PERCENTAGEPERCENTAGE

rp RPBAND

rp


8 > 1,000 1,500 1,250 1,213 37,747 2.94 91.49 3,034.40 23,341.01 7.56 58.12 9 67 8.91 66.34 431.42 3,552.28 3.23 26.57 14.22 15.22

9 > 1,500 2,000 1,750 754 38,501 1.83 93.32 2,137.11 25,478.12 5.32 63.44 12 79 11.88 78.22 695.10 4,247.39 5.20 31.77 32.53 16.67

10 > 2,000 2,500 2,250 374 38,875 0.91 94.22 1,126.33 26,604.44 2.80 66.25 0 79 0.00 78.22 0.00 4,247.39 0.00 31.77 0.00 15.96

11 > 2,500 3,000 2,750 307 39,182 0.74 94.97 1,099.14 27,703.58 2.74 68.98 0 79 0.00 78.22 0.00 4,247.39 0.00 31.77 0.00 15.33

12 > 3,000 4,000 3,500 387 39,569 0.94 95.90 1,271.22 28,974.80 3.17 72.15 0 79 0.00 78.22 0.00 4,247.39 0.00 31.77 0.00 14.66

13 > 4,000 5,000 4,500 360 39,929 0.87 96.78 1,102.17 30,076.97 2.74 74.89 0 79 0.00 78.22 0.00 4,247.39 0.00 31.77 0.00 14.12

14 > 5,000 7,500 6,250 393 40,322 0.95 97.73 1,510.07 31,587.04 3.76 78.65 0 79 0.00 78.22 0.00 4,247.39 0.00 31.77 0.00 13.45

15 > 7,500 10,000 8,750 266 40,588 0.64 98.37 1,051.35 32,638.39 2.62 81.27 0 79 0.00 78.22 0.00 4,247.39 0.00 31.77 0.00 13.01

16 > 10,000 20,000 15,000 288 40,876 0.70 99.07 2,224.49 34,862.88 5.54 86.81 3 82 2.97 81.19 278.97 4,526.36 2.09 33.85 12.54 12.98

17 > 20,000 50,000 35,000 179 41,055 0.43 99.51 2,714.28 37,577.16 6.76 93.57 2 84 1.98 83.17 149.61 4,675.97 1.12 34.97 5.51 12.44

18 > 50,000 100,000 75,000 91 41,146 0.22 99.73 1,167.47 38,744.63 2.91 96.48 14 98 13.86 97.03 8,674.49 13,350.47 64.88 99.85 743.01 34.46

19 > 100,000 500,000 300,000 80 41,226 0.19 99.92 811.58 39,556.21 2.02 98.50 3 101 2.97 100.00 20.33 13,370.80 0.15 100.00 2.51 33.80

20 > 500,000 33 41,259 0.08 100.00 603.13 40,159.34 1.50 100.00 0 101 0.00 100.00 0.00 13,370.80 0.00 100.00 0.00 33.29

T O T A L 41,259 40,159.34 101 13,370.80 33.29

Page 73 of 204




1 0 50 25 5,407 5,407 12.94 12.94 3,637.34 3,637.34 6.06 6.06 11 11 3.78 3.78 169.70 169.70 0.17 0.17 4.67 4.67

2 > 50 100 75 5,591 10,998 13.38 26.33 1,460.01 5,097.35 2.43 8.49 6 17 2.06 5.84 71.16 240.86 0.07 0.25 4.87 4.73

3 > 100 200 150 8,593 19,591 20.57 46.90 3,308.93 8,406.28 5.51 14.01 27 44 9.28 15.12 906.24 1,147.10 0.93 1.17 27.39 13.65

4 > 200 300 250 5,868 25,459 14.05 60.94 3,834.91 12,241.18 6.39 20.40 22 66 7.56 22.68 798.72 1,945.81 0.82 1.99 20.83 15.90

5 > 300 500 400 6,517 31,976 15.60 76.54 6,908.84 19,150.02 11.51 31.91 18 84 6.19 28.87 1,839.04 3,784.86 1.88 3.87 26.62 19.76

6 > 500 750 625 2,639 34,615 6.32 82.86 4,313.53 23,463.55 7.19 39.10 5 89 1.72 30.58 270.06 4,054.91 0.28 4.15 6.26 17.28


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES


6 > 500 750 625 2,639 34,615 6.32 82.86 4,313.53 23,463.55 7.19 39.10 5 89 1.72 30.58 270.06 4,054.91 0.28 4.15 6.26 17.28

7 > 750 1,000 875 1,698 36,313 4.06 86.93 3,881.29 27,344.84 6.47 45.57 14 103 4.81 35.40 686.98 4,741.89 0.70 4.85 17.70 17.34

8 > 1,000 1,500 1,250 1,261 37,574 3.02 89.94 3,709.45 31,054.29 6.18 51.75 20 123 6.87 42.27 1,941.02 6,682.91 1.98 6.83 52.33 21.52

9 > 1,500 2,000 1,750 785 38,359 1.88 91.82 2,692.36 33,746.65 4.49 56.24 12 135 4.12 46.39 3,629.02 10,311.93 3.71 10.54 134.79 30.56

10 > 2,000 2,500 2,250 390 38,749 0.93 92.76 1,520.05 35,266.70 2.53 58.77 10 145 3.44 49.83 2,246.64 12,558.57 2.30 12.84 147.80 35.61

11 > 2,500 3,000 2,750 323 39,072 0.77 93.53 1,573.52 36,840.22 2.62 61.39 15 160 5.15 54.98 1,790.96 14,349.53 1.83 14.67 113.82 38.95

12 > 3,000 4,000 3,500 387 39,459 0.93 94.46 2,032.28 38,872.50 3.39 64.78 9 169 3.09 58.08 326.51 14,676.04 0.33 15.01 16.07 37.75

13 > 4,000 5,000 4,500 282 39,741 0.68 95.13 1,804.86 40,677.36 3.01 67.78 4 173 1.37 59.45 90.51 14,766.55 0.09 15.10 5.01 36.30

14 > 5,000 7,500 6,250 368 40,109 0.88 96.01 2,032.05 42,709.41 3.39 71.17 4 177 1.37 60.82 7.16 14,773.71 0.01 15.11 0.35 34.59

15 > 7,500 10,000 8,750 197 40,306 0.47 96.48 1,307.61 44,017.02 2.18 73.35 0 177 0.00 60.82 0.00 14,773.71 0.00 15.11 0.00 33.56

16 > 10,000 20,000 15,000 335 40,641 0.80 97.29 3,065.61 47,082.63 5.11 78.46 9 186 3.09 63.92 1,243.78 16,017.49 1.27 16.38 40.57 34.02

17 > 20,000 50,000 35,000 443 41,084 1.06 98.35 4,764.81 51,847.44 7.94 86.40 29 215 9.97 73.88 3,450.14 19,467.63 3.53 19.91 72.41 37.55

18 > 50,000 100,000 75,000 288 41,372 0.69 99.04 4,046.94 55,894.38 6.74 93.14 41 256 14.09 87.97 3,924.28 23,391.91 4.01 23.92 96.97 41.85

19 > 100,000 500,000 300,000 295 41,667 0.71 99.74 3,454.01 59,348.39 5.76 98.90 20 276 6.87 94.85 1,736.06 25,127.97 1.78 25.69 50.26 42.3419 > 100,000 500,000 300,000 295 41,667 0.71 99.74 3,454.01 59,348.39 5.76 98.90 20 276 6.87 94.85 1,736.06 25,127.97 1.78 25.69 50.26 42.34

20 > 500,000 108 41,775 0.26 100.00 661.25 60,009.64 1.10 100.00 15 291 5.15 100.00 72,671.42 97,799.38 74.31 100.00 10,990,04 162.97

T O T A L 41,775 60,009.64 291 97,799.38 162.97

Page 74 of 204





1 0 50 25 2,158 2,158 14.82 14.82 788.05 788.05 3.95 3.95 7 7 8.24 8.24 44.18 44.18 0.23 0.23 5.61 5.61

2 > 50 100 75 2,297 4,455 15.78 30.60 583.19 1,371.24 2.92 6.88 2 9 2.35 10.59 20.24 64.42 0.11 0.34 3.47 4.70

3 > 100 200 150 3,311 7,766 22.74 53.34 1,470.33 2,841.57 7.37 14.25 12 21 14.12 24.71 492.74 557.16 2.57 2.91 33.51 19.61

4 > 200 300 250 2,019 9,785 13.87 67.21 1,540.60 4,382.17 7.73 21.98 2 23 2.35 27.06 15.53 572.68 0.08 2.99 1.01 13.07

5 > 300 500 400 1,930 11,715 13.26 80.47 2,116.21 6,498.38 10.61 32.59 10 33 11.76 38.82 931.62 1,504.30 4.87 7.86 44.02 23.15

6 > 500 750 625 819 12,534 5.63 86.09 1,389.58 7,887.96 6.97 39.56 7 40 8.24 47.06 72.76 1,577.07 0.38 8.24 5.24 19.99

7 > 750 1,000 875 510 13,044 3.50 89.59 1,234.80 9,122.76 6.19 45.75 0 40 0.00 47.06 0.00 1,577.07 0.00 8.24 0.00 17.29


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES


7 > 750 1,000 875 510 13,044 3.50 89.59 1,234.80 9,122.76 6.19 45.75 0 40 0.00 47.06 0.00 1,577.07 0.00 8.24 0.00 17.29

8 > 1,000 1,500 1,250 385 13,429 2.64 92.24 1,099.68 10,222.44 5.51 51.26 3 43 3.53 50.59 65.04 1,642.11 0.34 8.58 5.91 16.06

9 > 1,500 2,000 1,750 218 13,647 1.50 93.74 754.07 10,976.51 3.78 55.05 0 43 0.00 50.59 0.00 1,642.11 0.00 8.58 0.00 14.96

10 > 2,000 2,500 2,250 101 13,748 0.69 94.43 611.12 11,587.63 3.06 58.11 0 43 0.00 50.59 0.00 1,642.11 0.00 8.58 0.00 14.17

11 > 2,500 3,000 2,750 63 13,811 0.43 94.86 305.30 11,892.93 1.53 59.64 2 45 2.35 52.94 69.00 1,711.11 0.36 8.94 22.60 14.39

12 > 3,000 4,000 3,500 114 13,925 0.78 95.65 567.81 12,460.73 2.85 62.49 6 51 7.06 60.00 24.06 1,735.17 0.13 9.06 4.24 13.93

13 > 4,000 5,000 4,500 94 14,019 0.65 96.29 465.44 12,926.17 2.33 64.82 0 51 0.00 60.00 0.00 1,735.17 0.00 9.06 0.00 13.42

14 > 5,000 7,500 6,250 118 14,137 0.81 97.10 892.82 13,818.99 4.48 69.30 8 59 9.41 69.41 160.30 1,895.47 0.84 9.90 17.95 13.72

15 > 7,500 10,000 8,750 57 14,194 0.39 97.49 456.10 14,275.09 2.29 71.59 0 59 0.00 69.41 0.00 1,895.47 0.00 9.90 0.00 13.28

16 > 10,000 20,000 15,000 97 14,291 0.67 98.16 1,405.65 15,680.74 7.05 78.64 7 66 8.24 77.65 113.13 2,008.60 0.59 10.49 8.05 12.81

17 > 20,000 50,000 35,000 123 14,414 0.84 99.00 1,477.49 17,158.23 7.41 86.05 0 66 0.00 77.65 0.00 2,008.60 0.00 10.49 0.00 11.71

18 > 50,000 100,000 75,000 80 14,494 0.55 99.55 726.64 17,884.87 3.64 89.69 9 75 10.59 88.24 309.88 2,318.48 1.62 12.11 42.65 12.96

19 > 100,000 500,000 300,000 49 14,543 0.34 99.89 459.18 18,344.05 2.30 91.99 10 85 11.76 100.00 16,827.17 19,145.65 87.89 100.00 3,664,63 104.37

20 > 500,000 16 14,559 0.11 100.00 1,596.87 19,940.92 8.01 100.00 0 85 0.00 100.00 0.00 19,145.65 0.00 100.00 0.00 96.0120 > 500,000 16 14,559 0.11 100.00 1,596.87 19,940.92 8.01 100.00 0 85 0.00 100.00 0.00 19,145.65 0.00 100.00 0.00 96.01

T O T A L 14,559 19,940.92 85 19,145.65 96.01

Page 75 of 204





1 0 50 25 4,119 4,119 13.52 13.52 3,294.65 3,294.65 6.62 6.62 9 9 3.16 3.16 117.72 117.72 0.20 0.20 3.57 3.57

2 > 50 100 75 3,471 7,590 11.39 24.92 630.46 3,925.11 1.27 7.89 0 9 0.00 3.16 0.00 117.72 0.00 0.20 0.00 3.00

3 > 100 200 150 5,893 13,483 19.35 44.26 1,894.35 5,819.46 3.81 11.69 4 13 1.40 4.56 274.47 392.19 0.47 0.68 14.49 6.74

4 > 200 300 250 4,026 17,509 13.22 57.48 2,460.33 8,279.79 4.94 16.63 9 22 3.16 7.72 289.94 682.13 0.50 1.18 11.78 8.24

5 > 300 500 400 4,490 21,999 14.74 72.22 4,310.33 12,590.12 8.66 25.29 25 47 8.77 16.49 484.11 1,166.25 0.84 2.01 11.23 9.26

6 > 500 750 625 2,227 24,226 7.31 79.53 3,029.26 15,619.38 6.09 31.38 4 51 1.40 17.89 22.42 1,188.66 0.04 2.05 0.74 7.61

7 > 750 1,000 875 1,619 25,845 5.31 84.84 3,250.41 18,869.79 6.53 37.91 8 59 2.81 20.70 209.56 1,398.23 0.36 2.41 6.45 7.41

CLAIM FREQUENCY

PERCENTAGE

LOSS RATIO


rp RPPERCENTAGE


BANDrp


(in million)

NUMBER OF POLICIES


7 > 750 1,000 875 1,619 25,845 5.31 84.84 3,250.41 18,869.79 6.53 37.91 8 59 2.81 20.70 209.56 1,398.23 0.36 2.41 6.45 7.41

8 > 1,000 1,500 1,250 1,194 27,039 3.92 88.76 3,072.71 21,942.50 6.17 44.08 14 73 4.91 25.61 1,175.93 2,574.16 2.03 4.45 38.27 11.73

9 > 1,500 2,000 1,750 715 27,754 2.35 91.11 2,343.15 24,285.64 4.71 48.79 7 80 2.46 28.07 1,607.31 4,181.47 2.78 7.22 68.60 17.22

10 > 2,000 2,500 2,250 364 28,118 1.19 92.31 1,367.22 25,652.86 2.75 51.54 3 83 1.05 29.12 1,538.42 5,719.89 2.66 9.88 112.52 22.30

11 > 2,500 3,000 2,750 275 28,393 0.90 93.21 1,059.09 26,711.95 2.13 53.66 6 89 2.11 31.23 1,824.21 7,544.09 3.15 13.03 172.24 28.24

12 > 3,000 4,000 3,500 328 28,721 1.08 94.28 1,474.30 28,186.25 2.96 56.63 3 92 1.05 32.28 39.95 7,584.04 0.07 13.10 2.71 26.91

13 > 4,000 5,000 4,500 229 28,950 0.75 95.04 1,174.07 29,360.32 2.36 58.98 15 107 5.26 37.54 201.12 7,785.17 0.35 13.45 17.13 26.52

14 > 5,000 7,500 6,250 272 29,222 0.89 95.93 1,580.92 30,941.24 3.18 62.16 8 115 2.81 40.35 2,072.68 9,857.84 3.58 17.03 131.11 31.86

15 > 7,500 10,000 8,750 204 29,426 0.67 96.60 1,491.46 32,432.70 3.00 65.16 9 124 3.16 43.51 5.83 9,863.67 0.01 17.04 0.39 30.41

16 > 10,000 20,000 15,000 299 29,725 0.98 97.58 3,017.91 35,450.60 6.06 71.22 24 148 8.42 51.93 3,049.45 12,913.12 5.27 22.30 101.05 36.43

17 > 20,000 50,000 35,000 279 30,004 0.92 98.50 4,187.81 39,638.42 8.41 79.63 15 163 5.26 57.19 563.00 13,476.12 0.97 23.27 13.44 34.00

18 > 50,000 100,000 75,000 182 30,186 0.60 99.09 2,784.30 42,422.72 5.59 85.23 16 179 5.61 62.81 375.58 13,851.70 0.65 23.92 13.49 32.65

19 > 100,000 500,000 300,000 215 30,401 0.71 99.80 4,018.39 46,441.12 8.07 93.30 49 228 17.19 80.00 14,534.92 28,386.62 25.10 49.03 361.71 61.12

20 > 500,000 61 30,462 0.20 100.00 3,335.76 49,776.87 6.70 100.00 57 285 20.00 100.00 29,513.98 57,900.60 50.97 100.00 884.78 116.3220 > 500,000 61 30,462 0.20 100.00 3,335.76 49,776.87 6.70 100.00 57 285 20.00 100.00 29,513.98 57,900.60 50.97 100.00 884.78 116.32

T O T A L 30,462 49,776.87 285 57,900.60 116.32

Page 76 of 204





1 0 50 25 1,697 1,697 15.39 15.39 440.54 440.54 4.11 4.11 4 4 5.97 5.97 38.63 38.63 0.86 0.86 8.77 8.77

2 > 50 100 75 1,832 3,529 16.62 32.01 400.88 841.42 3.74 7.84 9 13 13.43 19.40 173.62 212.25 3.89 4.75 43.31 25.23

3 > 100 200 150 2,579 6,108 23.39 55.40 1,006.98 1,848.40 9.39 17.23 0 13 0.00 19.40 0.00 212.25 0.00 4.75 0.00 11.48

4 > 200 300 250 1,599 7,707 14.50 69.90 965.80 2,814.20 9.00 26.23 4 17 5.97 25.37 176.68 388.93 3.96 8.71 18.29 13.82

5 > 300 500 400 1,470 9,177 13.33 83.24 1,556.84 4,371.04 14.51 40.74 15 32 22.39 47.76 1,007.78 1,396.70 22.56 31.27 64.73 31.95

6 > 500 750 625 575 9,752 5.22 88.45 926.14 5,297.18 8.63 49.37 9 41 13.43 61.19 1,487.37 2,884.07 33.30 64.57 160.60 54.45

7 > 750 1,000 875 402 10,154 3.65 92.10 912.22 6,209.39 8.50 57.88 3 44 4.48 65.67 778.44 3,662.51 17.43 82.00 85.33 58.98

8 > 1,000 1,500 1,250 179 10,333 1.62 93.72 500.89 6,710.28 4.67 62.55 0 44 0.00 65.67 0.00 3,662.51 0.00 82.00 0.00 54.58


LOSS RATIO

f FPERCENTAGE

rp RP(in million)


RPPERCENTAGEBAND

rp

SUM INSUREDMid Points PERCENTAGE


NUMBER OF POLICIES

f F

8 > 1,000 1,500 1,250 179 10,333 1.62 93.72 500.89 6,710.28 4.67 62.55 0 44 0.00 65.67 0.00 3,662.51 0.00 82.00 0.00 54.58

9 > 1,500 2,000 1,750 118 10,451 1.07 94.79 373.69 7,083.97 3.48 66.03 0 44 0.00 65.67 0.00 3,662.51 0.00 82.00 0.00 51.70

10 > 2,000 2,500 2,250 55 10,506 0.50 95.29 229.86 7,313.84 2.14 68.17 0 44 0.00 65.67 0.00 3,662.51 0.00 82.00 0.00 50.08

11 > 2,500 3,000 2,750 40 10,546 0.36 95.66 211.58 7,525.42 1.97 70.14 0 44 0.00 65.67 0.00 3,662.51 0.00 82.00 0.00 48.67

12 > 3,000 4,000 3,500 44 10,590 0.40 96.05 162.82 7,688.24 1.52 71.66 0 44 0.00 65.67 0.00 3,662.51 0.00 82.00 0.00 47.64

13 > 4,000 5,000 4,500 47 10,637 0.43 96.48 233.55 7,921.79 2.18 73.84 0 44 0.00 65.67 0.00 3,662.51 0.00 82.00 0.00 46.23

14 > 5,000 7,500 6,250 62 10,699 0.56 97.04 343.32 8,265.11 3.20 77.04 0 44 0.00 65.67 0.00 3,662.51 0.00 82.00 0.00 44.31

15 > 7,500 10,000 8,750 33 10,732 0.30 97.34 390.72 8,655.83 3.64 80.68 0 44 0.00 65.67 0.00 3,662.51 0.00 82.00 0.00 42.31

16 > 10,000 20,000 15,000 104 10,836 0.94 98.29 696.55 9,352.39 6.49 87.17 9 53 13.43 79.10 470.24 4,132.75 10.53 92.53 67.51 44.19

17 > 20,000 50,000 35,000 99 10,935 0.90 99.18 722.97 10,075.35 6.74 93.91 7 60 10.45 89.55 43.35 4,176.10 0.97 93.50 6.00 41.45

18 > 50,000 100,000 75,000 53 10,988 0.48 99.66 403.08 10,478.44 3.76 97.67 2 62 2.99 92.54 44.79 4,220.89 1.00 94.51 11.11 40.28

19 > 100,000 500,000 300,000 27 11,015 0.24 99.91 205.74 10,684.18 1.92 99.59 5 67 7.46 100.00 245.35 4,466.24 5.49 100.00 119.25 41.80

20 > 500,000 10 11,025 0.09 100.00 44.46 10,728.64 0.41 100.00 0 67 0.00 100.00 0.00 4,466.24 0.00 100.00 0.00 41.63

T O T A L 11,025 10,728.64 67 4,466.24 41.63T O T A L 11,025 10,728.64 67 4,466.24 41.63

Page 77 of 204





1 0 50 25 3,474 3,474 14.95 14.95 2,705.70 2,705.70 6.92 6.92 33 33 9.43 9.43 253.59 253.59 1.38 1.38 9.37 9.37

2 > 50 100 75 3,450 6,924 14.85 29.80 606.77 3,312.47 1.55 8.48 2 35 0.57 10.00 0.00 253.59 0.00 1.38 0.00 7.66

3 > 100 200 150 4,844 11,768 20.85 50.65 1,694.15 5,006.62 4.34 12.81 19 54 5.43 15.43 825.26 1,078.84 4.49 5.87 48.71 21.55

4 > 200 300 250 2,675 14,443 11.51 62.16 1,518.17 6,524.79 3.89 16.70 10 64 2.86 18.29 452.02 1,530.86 2.46 8.33 29.77 23.46

5 > 300 500 400 2,763 17,206 11.89 74.05 2,586.74 9,111.53 6.62 23.32 18 82 5.14 23.43 995.19 2,526.05 5.41 13.74 38.47 27.72

6 > 500 750 625 1,447 18,653 6.23 80.28 1,848.50 10,960.03 4.73 28.05 14 96 4.00 27.43 223.25 2,749.30 1.21 14.96 12.08 25.08

7 > 750 1,000 875 1,142 19,795 4.91 85.19 2,199.62 13,159.65 5.63 33.68 11 107 3.14 30.57 1,045.04 3,794.34 5.69 20.64 47.51 28.83

Mid Points PERCENTAGE PERCENTAGENUMBER OF POLICIES

rp RP

CLAIM SEVERITY (in million Rupiah)ORIGINAL PREMIUM (in million Rupiah) CLAIM FREQUENCYPERCENTAGE

LOSS RATIO


rp

SUM INSURED

f F(in million)

7 > 750 1,000 875 1,142 19,795 4.91 85.19 2,199.62 13,159.65 5.63 33.68 11 107 3.14 30.57 1,045.04 3,794.34 5.69 20.64 47.51 28.83

8 > 1,000 1,500 1,250 758 20,553 3.26 88.45 1,689.50 14,849.15 4.32 38.00 7 114 2.00 32.57 50.41 3,844.75 0.27 20.92 2.98 25.89

9 > 1,500 2,000 1,750 421 20,974 1.81 90.27 1,580.56 16,429.71 4.04 42.04 9 123 2.57 35.14 345.57 4,190.32 1.88 22.80 21.86 25.50

10 > 2,000 2,500 2,250 268 21,242 1.15 91.42 1,173.84 17,603.55 3.00 45.05 7 130 2.00 37.14 55.88 4,246.20 0.30 23.10 4.76 24.12

11 > 2,500 3,000 2,750 227 21,469 0.98 92.40 1,012.41 18,615.97 2.59 47.64 0 130 0.00 37.14 0.00 4,246.20 0.00 23.10 0.00 22.81

12 > 3,000 4,000 3,500 242 21,711 1.04 93.44 1,195.56 19,811.53 3.06 50.70 11 141 3.14 40.29 2,725.21 6,971.41 14.83 37.93 227.94 35.19

13 > 4,000 5,000 4,500 149 21,860 0.64 94.08 877.73 20,689.25 2.25 52.94 5 146 1.43 41.71 707.55 7,678.96 3.85 41.78 80.61 37.12

14 > 5,000 7,500 6,250 244 22,104 1.05 95.13 2,137.45 22,826.71 5.47 58.41 14 160 4.00 45.71 1,469.23 9,148.19 7.99 49.77 68.74 40.08

15 > 7,500 10,000 8,750 148 22,252 0.64 95.77 2,176.11 25,002.82 5.57 63.98 8 168 2.29 48.00 216.55 9,364.74 1.18 50.95 9.95 37.45

16 > 10,000 20,000 15,000 332 22,584 1.43 97.19 3,795.79 28,798.60 9.71 73.70 33 201 9.43 57.43 732.86 10,097.61 3.99 54.94 19.31 35.06

17 > 20,000 50,000 35,000 269 22,853 1.16 98.35 4,748.75 33,547.35 12.15 85.85 49 250 14.00 71.43 536.34 10,633.95 2.92 57.86 11.29 31.70

18 > 50,000 100,000 75,000 143 22,996 0.62 98.97 2,592.09 36,139.45 6.63 92.48 60 310 17.14 88.57 5,941.07 16,575.01 32.32 90.18 229.20 45.86

19 > 100,000 500,000 300,000 163 23,159 0.70 99.67 2,434.53 38,573.97 6.23 98.71 7 317 2.00 90.57 241.44 16,816.46 1.31 91.50 9.92 43.60

20 > 500,000 77 23,236 0.33 100.00 503.01 39,076.99 1.29 100.00 33 350 9.43 100.00 1,563.02 18,379.48 8.50 100.00 310.73 47.0320 > 500,000 77 23,236 0.33 100.00 503.01 39,076.99 1.29 100.00 33 350 9.43 100.00 1,563.02 18,379.48 8.50 100.00 310.73 47.03

T O T A L 23,236 39,076.99 350 18,379.48 47.03

Page 78 of 204




1 0 50 25 24,614 24,614 10.10 10.10 25,013.53 25,013.53 5.92 5.92 250 250 6.65 6.65 1,239.17 1,239.17 0.15 0.15 4.95 4.95

2 > 50 100 75 14,595 39,209 5.99 16.09 3,851.62 28,865.15 0.91 6.83 191 441 5.08 11.73 2,704.53 3,943.70 0.34 0.49 70.22 13.66

3 > 100 200 150 29,315 68,524 12.03 28.12 8,712.56 37,577.71 2.06 8.90 177 618 4.71 16.44 3,997.71 7,941.41 0.50 0.99 45.88 21.13

4 > 200 300 250 26,060 94,584 10.69 38.81 10,950.86 48,528.57 2.59 11.49 123 741 3.27 19.72 4,470.20 12,411.61 0.56 1.54 40.82 25.58



LOSS RATIO


rp

SUM INSURED

f F(in million) Mid Points PERCENTAGE PERCENTAGE

NUMBER OF POLICIES

rp RP


4 > 200 300 250 26,060 94,584 10.69 38.81 10,950.86 48,528.57 2.59 11.49 123 741 3.27 19.72 4,470.20 12,411.61 0.56 1.54 40.82 25.58

5 > 300 500 400 40,393 134,977 16.58 55.39 25,574.68 74,103.25 6.06 17.54 220 961 5.85 25.57 8,935.48 21,347.08 1.11 2.65 34.94 28.81

6 > 500 750 625 26,022 160,999 10.68 66.07 23,571.02 97,674.27 5.58 23.13 141 1,102 3.75 29.32 7,089.85 28,436.93 0.88 3.53 30.08 29.11

7 > 750 1,000 875 20,843 181,842 8.55 74.62 26,961.96 124,636.23 6.38 29.51 82 1,184 2.18 31.51 4,058.45 32,495.38 0.50 4.04 15.05 26.07

8 > 1,000 1,500 1,250 16,499 198,341 6.77 81.39 29,970.60 154,606.83 7.10 36.60 133 1,317 3.54 35.05 6,724.47 39,219.85 0.84 4.87 22.44 25.37

9 > 1,500 2,000 1,750 9,530 207,871 3.91 85.30 23,514.91 178,121.74 5.57 42.17 181 1,498 4.82 39.86 11,843.64 51,063.49 1.47 6.34 50.37 28.67

10 > 2,000 2,500 2,250 5,338 213,209 2.19 87.49 15,935.83 194,057.57 3.77 45.95 47 1,545 1.25 41.11 4,748.65 55,812.14 0.59 6.93 29.80 28.76

11 > 2,500 3,000 2,750 4,342 217,551 1.78 89.27 14,988.24 209,045.80 3.55 49.49 64 1,609 1.70 42.82 5,658.36 61,470.49 0.70 7.64 37.75 29.41

12 > 3,000 4,000 3,500 4,863 222,414 2.00 91.27 19,363.34 228,409.14 4.58 54.08 55 1,664 1.46 44.28 3,429.21 64,899.71 0.43 8.06 17.71 28.41

13 > 4,000 5,000 4,500 3,392 225,806 1.39 92.66 16,538.22 244,947.36 3.92 57.99 39 1,703 1.04 45.32 1,947.17 66,846.87 0.24 8.30 11.77 27.29

14 > 5,000 7,500 6,250 4,011 229,817 1.65 94.31 23,336.38 268,283.73 5.53 63.52 132 1,835 3.51 48.83 29,797.87 96,644.75 3.70 12.01 127.69 36.02

15 > 7,500 10,000 8,750 2,596 232,413 1.07 95.37 18,902.01 287,185.75 4.48 67.99 79 1,914 2.10 50.93 21,900.53 118,545.28 2.72 14.73 115.86 41.28

16 > 10,000 20,000 15,000 3,840 236,253 1.58 96.95 39,358.48 326,544.22 9.32 77.31 403 2,317 10.72 61.66 23,415.84 141,961.12 2.91 17.63 59.49 43.4716 > 10,000 20,000 15,000 3,840 236,253 1.58 96.95 39,358.48 326,544.22 9.32 77.31 403 2,317 10.72 61.66 23,415.84 141,961.12 2.91 17.63 59.49 43.47

17 > 20,000 50,000 35,000 3,149 239,402 1.29 98.24 36,376.58 362,920.80 8.61 85.93 228 2,545 6.07 67.72 24,085.91 166,047.03 2.99 20.63 66.21 45.75

18 > 50,000 100,000 75,000 1,482 240,884 0.61 98.85 17,406.28 380,327.08 4.12 90.05 177 2,722 4.71 72.43 20,893.11 186,940.13 2.60 23.22 120.03 49.15

19 > 100,000 500,000 300,000 2,056 242,940 0.84 99.69 35,881.13 416,208.21 8.50 98.54 656 3,378 17.46 89.89 492,552.35 679,492.49 61.18 84.41 1,372,73 163.26

20 > 500,000 748 243,688 0.31 100.00 6,159.89 422,368.09 1.46 100.00 380 3,758 10.11 100.00 125,536.97 805,029.45 15.59 100.00 2,037,98 190.60

T O T A L 243,688 422,368.09 3,758 805,029.45 190.60

Page 79 of 204




1 0 50 25 27,780 27,780 14.12 14.12 16,855.96 16,855.96 4.97 4.97 213 213 6.38 6.38 1,017.19 1,017.19 0.12 0.12 6.03 6.03

2 > 50 100 75 24,884 52,664 12.65 26.77 4,063.46 20,919.42 1.20 6.17 81 294 2.43 8.81 1,167.20 2,184.39 0.13 0.25 28.72 10.44

3 > 100 200 150 34,525 87,189 17.55 44.32 9,839.66 30,759.08 2.90 9.07 175 469 5.24 14.05 2,910.61 5,095.00 0.33 0.58 29.58 16.56

4 > 200 300 250 21,446 108,635 10.90 55.22 10,388.54 41,147.62 3.06 12.13 100 569 3.00 17.05 2,586.54 7,681.54 0.29 0.87 24.90 18.67

BANDrp

SUM INSURED




NUMBER OF POLICIES

f F


LOSS RATIO



RP

5 > 300 500 400 24,133 132,768 12.27 67.49 17,625.24 58,772.86 5.20 17.32 136 705 4.08 21.13 4,526.27 12,207.80 0.51 1.38 25.68 20.77

6 > 500 750 625 13,448 146,216 6.84 74.33 14,300.75 73,073.61 4.22 21.54 100 805 3.00 24.12 3,542.42 15,750.22 0.40 1.78 24.77 21.55

7 > 750 1,000 875 11,266 157,482 5.73 80.05 15,438.92 88,512.52 4.55 26.09 72 877 2.16 26.28 3,162.75 18,912.97 0.36 2.14 20.49 21.37

8 > 1,000 1,500 1,250 8,416 165,898 4.28 84.33 16,277.43 104,789.96 4.80 30.89 95 972 2.85 29.13 6,486.17 25,399.14 0.73 2.87 39.85 24.24

9 > 1,500 2,000 1,750 4,637 170,535 2.36 86.69 12,474.99 117,264.94 3.68 34.57 83 1,055 2.49 31.62 6,905.35 32,304.49 0.78 3.66 55.35 27.55

10 > 2,000 2,500 2,250 2,698 173,233 1.37 88.06 9,136.14 126,401.09 2.69 37.26 43 1,098 1.29 32.90 7,086.81 39,391.30 0.80 4.46 77.57 31.16

11 > 2,500 3,000 2,750 2,231 175,464 1.13 89.20 8,306.33 134,707.42 2.45 39.71 36 1,134 1.08 33.98 2,801.05 42,192.35 0.32 4.77 33.72 31.32

12 > 3,000 4,000 3,500 2,878 178,342 1.46 90.66 12,562.25 147,269.67 3.70 43.41 76 1,210 2.28 36.26 11,707.22 53,899.57 1.32 6.10 93.19 36.60

13 > 4,000 5,000 4,500 2,067 180,409 1.05 91.71 10,055.54 157,325.21 2.96 46.37 75 1,285 2.25 38.51 3,188.28 57,087.85 0.36 6.46 31.71 36.29

14 > 5,000 7,500 6,250 2,950 183,359 1.50 93.21 18,568.28 175,893.49 5.47 51.85 112 1,397 3.36 41.86 18,308.42 75,396.27 2.07 8.53 98.60 42.86

15 > 7,500 10,000 8,750 2,097 185,456 1.07 94.28 16,596.29 192,489.78 4.89 56.74 72 1,469 2.16 44.02 8,868.21 84,264.48 1.00 9.53 53.43 43.78

16 > 10,000 20,000 15,000 3,516 188,972 1.79 96.06 39,043.87 231,533.64 11.51 68.25 205 1,674 6.14 50.16 45,714.50 129,978.98 5.17 14.71 117.08 56.14

17 > 20,000 50,000 35,000 3,412 192,384 1.73 97.80 43,943.14 275,476.78 12.95 81.20 306 1,980 9.17 59.33 100,933.59 230,912.57 11.42 26.13 229.69 83.8217 > 20,000 50,000 35,000 3,412 192,384 1.73 97.80 43,943.14 275,476.78 12.95 81.20 306 1,980 9.17 59.33 100,933.59 230,912.57 11.42 26.13 229.69 83.82

18 > 50,000 100,000 75,000 1,527 193,911 0.78 98.57 22,393.36 297,870.14 6.60 87.80 205 2,185 6.14 65.48 14,060.16 244,972.74 1.59 27.72 62.79 82.24

19 > 100,000 500,000 300,000 2,006 195,917 1.02 99.59 31,273.04 329,143.18 9.22 97.02 928 3,113 27.81 93.29 602,467.94 847,440.67 68.17 95.89 1,926,48 257.47

20 > 500,000 801 196,718 0.41 100.00 10,109.64 339,252.82 2.98 100.00 224 3,337 6.71 100.00 36,302.41 883,743.08 4.11 100.00 359.09 260.50

T O T A L 196,718 339,252.82 3,337 883,743.08 260.50

Page 80 of 204




1 0 50 25 20,191 20,191 20.23 20.23 8,066.77 8,066.77 5.59 5.59 69 69 6.81 6.81 332.60 332.60 0.32 0.32 4.12 4.12

2 > 50 100 75 15,946 36,137 15.98 36.20 2,452.03 10,518.80 1.70 7.29 28 97 2.76 9.58 276.55 609.15 0.27 0.59 11.28 5.79

3 > 100 200 150 17,440 53,577 17.47 53.67 5,065.73 15,584.53 3.51 10.79 34 131 3.36 12.93 920.56 1,529.71 0.90 1.49 18.17 9.82

4 > 200 300 250 9,067 62,644 9.08 62.76 4,469.50 20,054.03 3.10 13.89 32 163 3.16 16.09 1,802.16 3,331.87 1.75 3.24 40.32 16.61

5 > 300 500 400 9,686 72,330 9.70 72.46 7,915.84 27,969.87 5.48 19.37 47 210 4.64 20.73 1,433.61 4,765.48 1.39 4.63 18.11 17.04

6 > 500 750 625 5,748 78,078 5.76 78.22 6,755.95 34,725.82 4.68 24.05 33 243 3.26 23.99 791.96 5,557.44 0.77 5.40 11.72 16.00

Mid Points PERCENTAGE PERCENTAGENUMBER OF POLICIES

rp RP

CLAIM SEVERITY (in million Rupiah)ORIGINAL PREMIUM (in million Rupiah) CLAIM FREQUENCYPERCENTAGE

LOSS RATIO


rp

SUM INSURED

f F(in million)

6 > 500 750 625 5,748 78,078 5.76 78.22 6,755.95 34,725.82 4.68 24.05 33 243 3.26 23.99 791.96 5,557.44 0.77 5.40 11.72 16.00

7 > 750 1,000 875 4,933 83,011 4.94 83.16 7,013.23 41,739.05 4.86 28.91 63 306 6.22 30.21 5,473.72 11,031.16 5.32 10.73 78.05 26.43

8 > 1,000 1,500 1,250 3,981 86,992 3.99 87.15 8,255.68 49,994.73 5.72 34.63 37 343 3.65 33.86 1,577.18 12,608.34 1.53 12.26 19.10 25.22

9 > 1,500 2,000 1,750 2,262 89,254 2.27 89.42 6,363.59 56,358.32 4.41 39.04 26 369 2.57 36.43 2,196.52 14,804.86 2.14 14.40 34.52 26.27

10 > 2,000 2,500 2,250 1,411 90,665 1.41 90.83 5,229.98 61,588.29 3.62 42.66 21 390 2.07 38.50 5,946.92 20,751.78 5.78 20.18 113.71 33.69

11 > 2,500 3,000 2,750 1,158 91,823 1.16 91.99 4,544.56 66,132.85 3.15 45.81 38 428 3.75 42.25 3,641.58 24,393.35 3.54 23.72 80.13 36.89

12 > 3,000 4,000 3,500 1,383 93,206 1.39 93.38 6,671.62 72,804.47 4.62 50.43 30 458 2.96 45.21 536.56 24,929.92 0.52 24.24 8.04 34.24

13 > 4,000 5,000 4,500 867 94,073 0.87 94.24 4,896.66 77,701.14 3.39 53.82 18 476 1.78 46.99 1,686.75 26,616.66 1.64 25.88 34.45 34.26

14 > 5,000 7,500 6,250 1,346 95,419 1.35 95.59 9,445.65 87,146.79 6.54 60.36 48 524 4.74 51.73 3,095.54 29,712.20 3.01 28.89 32.77 34.09

15 > 7,500 10,000 8,750 818 96,237 0.82 96.41 6,865.35 94,012.14 4.76 65.12 72 596 7.11 58.84 16,755.90 46,468.10 16.29 45.19 244.06 49.43

16 > 10,000 20,000 15,000 1,294 97,531 1.30 97.71 15,341.88 109,354.01 10.63 75.75 94 690 9.28 68.11 13,925.15 60,393.25 13.54 58.73 90.77 55.23

17 > 20,000 50,000 35,000 1,119 98,650 1.12 98.83 14,645.04 123,999.05 10.14 85.89 67 757 6.61 74.73 14,088.85 74,482.10 13.70 72.43 96.20 60.07

18 > 50,000 100,000 75,000 457 99,107 0.46 99.29 7,238.76 131,237.82 5.01 90.90 73 830 7.21 81.93 7,141.72 81,623.82 6.95 79.38 98.66 62.20

19 > 100,000 500,000 300,000 516 99,623 0.52 99.80 9,763.24 141,001.06 6.76 97.67 142 972 14.02 95.95 9,568.56 91,192.37 9.31 88.68 98.01 64.67

20 > 500,000 195 99,818 0.20 100.00 3,369.66 144,370.71 2.33 100.00 41 1,013 4.05 100.00 11,637.11 102,829.48 11.32 100.00 345.35 71.23

T O T A L 99,818 144,370.71 1,013 102,829.48 71.23

Page 81 of 204





1 0 50 25 2,077 2,077 15.71 15.71 846.10 846.10 4.97 4.97 2 2 1.27 1.27 2.19 2.19 0.03 0.03 0.26 0.26

2 > 50 100 75 1,576 3,653 11.92 27.64 240.10 1,086.21 1.41 6.38 7 9 4.43 5.70 79.82 82.01 1.00 1.03 33.24 7.55

3 > 100 200 150 2,184 5,837 16.52 44.16 604.71 1,690.92 3.55 9.94 12 21 7.59 13.29 69.21 151.22 0.87 1.89 11.45 8.94

4 > 200 300 250 1,368 7,205 10.35 54.51 597.50 2,288.42 3.51 13.45 18 39 11.39 24.68 147.24 298.47 1.84 3.74 24.64 13.04

5 > 300 500 400 1,622 8,827 12.27 66.78 1,098.08 3,386.50 6.45 19.90 23 62 14.56 39.24 594.77 893.23 7.45 11.18 54.16 26.38

6 > 500 750 625 972 9,799 7.35 74.13 1,007.26 4,393.76 5.92 25.82 9 71 5.70 44.94 752.39 1,645.62 9.42 20.60 74.70 37.45

7 > 750 1,000 875 837 10,636 6.33 80.47 1,012.04 5,405.81 5.95 31.77 18 89 11.39 56.33 1,388.38 3,034.00 17.38 37.98 137.19 56.12

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

8 > 1,000 1,500 1,250 650 11,286 4.92 85.38 1,112.75 6,518.56 6.54 38.31 5 94 3.16 59.49 1,363.44 4,397.44 17.07 55.05 122.53 67.46

9 > 1,500 2,000 1,750 428 11,714 3.24 88.62 997.88 7,516.43 5.86 44.17 7 101 4.43 63.92 244.13 4,641.57 3.06 58.11 24.46 61.75

10 > 2,000 2,500 2,250 203 11,917 1.54 90.16 654.74 8,171.17 3.85 48.02 4 105 2.53 66.46 406.25 5,047.82 5.09 63.19 62.05 61.78

11 > 2,500 3,000 2,750 183 12,100 1.38 91.54 625.94 8,797.10 3.68 51.70 2 107 1.27 67.72 3.25 5,051.07 0.04 63.23 0.52 57.42

12 > 3,000 4,000 3,500 240 12,340 1.82 93.36 1,115.08 9,912.18 6.55 58.25 6 113 3.80 71.52 128.22 5,179.29 1.61 64.84 11.50 52.25

13 > 4,000 5,000 4,500 174 12,514 1.32 94.67 712.12 10,624.30 4.19 62.44 2 115 1.27 72.78 3.36 5,182.65 0.04 64.88 0.47 48.78

14 > 5,000 7,500 6,250 194 12,708 1.47 96.14 1,224.82 11,849.12 7.20 69.64 2 117 1.27 74.05 319.64 5,502.28 4.00 68.88 26.10 46.44

15 > 7,500 10,000 8,750 102 12,810 0.77 96.91 615.34 12,464.47 3.62 73.25 4 121 2.53 76.58 60.06 5,562.34 0.75 69.63 9.76 44.63

16 > 10,000 20,000 15,000 177 12,987 1.34 98.25 2,172.73 14,637.20 12.77 86.02 7 128 4.43 81.01 69.08 5,631.42 0.86 70.50 3.18 38.47

17 > 20,000 50,000 35,000 112 13,099 0.85 99.10 1,045.81 15,683.00 6.15 92.17 2 130 1.27 82.28 0.08 5,631.51 0.00 70.50 0.01 35.91

18 > 50,000 100,000 75,000 80 13,179 0.61 99.70 859.49 16,542.50 5.05 97.22 16 146 10.13 92.41 676.37 6,307.88 8.47 78.97 78.69 38.13

19 > 100,000 500,000 300,000 33 13,212 0.25 99.95 440.45 16,982.95 2.59 99.81 12 158 7.59 100.00 1,680.10 7,987.97 21.03 100.00 381.45 47.04

20 > 500,000 6 13,218 0.05 100.00 32.23 17,015.18 0.19 100.00 0 158 0.00 100.00 0.00 7,987.97 0.00 100.00 0.00 46.95

T O T A L 13,218 17,015.18 158 7,987.97 46.95

Page 82 of 204




1 0 50 25 19,956 19,956 14.42 14.42 13,975.42 13,975.42 5.59 5.59 88 88 5.18 5.18 613.33 613.33 0.17 0.17 4.39 4.39

2 > 50 100 75 16,696 36,652 12.06 26.48 2,809.16 16,784.58 1.12 6.72 38 126 2.24 7.41 546.30 1,159.62 0.15 0.32 19.45 6.91

3 > 100 200 150 22,317 58,969 16.12 42.60 6,285.17 23,069.76 2.52 9.23 68 194 4.00 11.41 1,926.02 3,085.64 0.52 0.84 30.64 13.38

4 > 200 300 250 13,658 72,627 9.87 52.47 6,451.34 29,521.10 2.58 11.82 36 230 2.12 13.53 1,657.28 4,742.93 0.45 1.29 25.69 16.07

5 > 300 500 400 16,824 89,451 12.15 64.62 12,153.89 41,674.99 4.86 16.68 52 282 3.06 16.59 3,265.58 8,008.51 0.89 2.18 26.87 19.22

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

6 > 500 750 625 10,477 99,928 7.57 72.19 10,710.88 52,385.88 4.29 20.97 45 327 2.65 19.24 1,796.23 9,804.74 0.49 2.66 16.77 18.72

7 > 750 1,000 875 8,693 108,621 6.28 78.47 11,448.39 63,834.27 4.58 25.55 53 380 3.12 22.35 4,257.09 14,061.83 1.16 3.82 37.19 22.03

8 > 1,000 1,500 1,250 6,852 115,473 4.95 83.42 13,033.19 76,867.46 5.22 30.77 60 440 3.53 25.88 6,673.47 20,735.30 1.81 5.63 51.20 26.98

9 > 1,500 2,000 1,750 4,150 119,623 3.00 86.42 10,939.02 87,806.48 4.38 35.15 118 558 6.94 32.82 8,291.51 29,026.82 2.25 7.89 75.80 33.06

10 > 2,000 2,500 2,250 2,355 121,978 1.70 88.12 7,981.04 95,787.52 3.19 38.34 21 579 1.24 34.06 4,027.28 33,054.10 1.09 8.98 50.46 34.51

11 > 2,500 3,000 2,750 1,934 123,912 1.40 89.51 7,432.76 103,220.28 2.98 41.32 68 647 4.00 38.06 15,416.92 48,471.02 4.19 13.17 207.42 46.96

12 > 3,000 4,000 3,500 2,359 126,271 1.70 91.22 11,500.05 114,720.33 4.60 45.92 54 701 3.18 41.24 7,613.31 56,084.33 2.07 15.24 66.20 48.89

13 > 4,000 5,000 4,500 1,612 127,883 1.16 92.38 9,186.67 123,907.00 3.68 49.60 35 736 2.06 43.29 4,775.01 60,859.35 1.30 16.54 51.98 49.12

14 > 5,000 7,500 6,250 2,244 130,127 1.62 94.00 15,192.93 139,099.93 6.08 55.68 97 833 5.71 49.00 20,740.51 81,599.86 5.64 22.17 136.51 58.66

15 > 7,500 10,000 8,750 1,444 131,571 1.04 95.05 13,639.07 152,739.00 5.46 61.14 118 951 6.94 55.94 6,755.42 88,355.28 1.84 24.01 49.53 57.85

16 > 10,000 20,000 15,000 2,460 134,031 1.78 96.83 30,414.05 183,153.05 12.17 73.31 166 1,117 9.76 65.71 21,689.63 110,044.91 5.89 29.90 71.31 60.08

17 > 20,000 50,000 35,000 1,975 136,006 1.43 98.25 28,049.94 211,202.98 11.23 84.54 146 1,263 8.59 74.29 57,066.33 167,111.25 15.51 45.41 203.45 79.12

18 > 50,000 100,000 75,000 1,004 137,010 0.73 98.98 14,977.52 226,180.50 5.99 90.53 124 1,387 7.29 81.59 100,433.07 267,544.32 27.29 72.70 670.56 118.2918 > 50,000 100,000 75,000 1,004 137,010 0.73 98.98 14,977.52 226,180.50 5.99 90.53 124 1,387 7.29 81.59 100,433.07 267,544.32 27.29 72.70 670.56 118.29

19 > 100,000 500,000 300,000 1,048 138,058 0.76 99.73 13,230.27 239,410.78 5.30 95.83 235 1,622 13.82 95.41 85,769.14 353,313.46 23.31 96.01 648.28 147.58

20 > 500,000 368 138,426 0.27 100.00 10,423.34 249,834.11 4.17 100.00 78 1,700 4.59 100.00 14,685.08 367,998.54 3.99 100.00 140.89 147.30

T O T A L 138,426 249,834.11 1,700 367,998.54 147.30

Page 83 of 204





1 0 50 25 8,305 8,305 21.06 21.06 3,635.75 3,635.75 6.19 6.19 30 30 7.41 7.41 432.41 432.41 1.28 1.28 11.89 11.89

2 > 50 100 75 8,419 16,724 21.35 42.41 4,122.92 7,758.67 7.02 13.21 76 106 18.77 26.17 2,223.84 2,656.24 6.56 7.84 53.94 34.24

3 > 100 200 150 10,446 27,170 26.49 68.90 9,525.98 17,284.66 16.22 29.43 90 196 22.22 48.40 4,372.27 7,028.51 12.91 20.75 45.90 40.66

4 > 200 300 250 4,010 31,180 10.17 79.06 6,494.65 23,779.31 11.06 40.49 29 225 7.16 55.56 1,548.56 8,577.07 4.57 25.32 23.84 36.07

5 > 300 500 400 3,376 34,556 8.56 87.63 7,943.46 31,722.77 13.53 54.02 29 254 7.16 62.72 2,788.85 11,365.93 8.23 33.55 35.11 35.83

6 > 500 750 625 1,283 35,839 3.25 90.88 4,035.22 35,758.00 6.87 60.89 23 277 5.68 68.40 3,270.09 14,636.02 9.65 43.20 81.04 40.93

7 > 750 1,000 875 868 36,707 2.20 93.08 3,271.31 39,029.31 5.57 66.46 16 293 3.95 72.35 1,939.78 16,575.80 5.73 48.93 59.30 42.47

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

7 > 750 1,000 875 868 36,707 2.20 93.08 3,271.31 39,029.31 5.57 66.46 16 293 3.95 72.35 1,939.78 16,575.80 5.73 48.93 59.30 42.47

8 > 1,000 1,500 1,250 658 37,365 1.67 94.75 2,822.97 41,852.28 4.81 71.27 12 305 2.96 75.31 1,545.85 18,121.65 4.56 53.49 54.76 43.30

9 > 1,500 2,000 1,750 440 37,805 1.12 95.86 1,672.04 43,524.32 2.85 74.11 2 307 0.49 75.80 12.86 18,134.51 0.04 53.53 0.77 41.67

10 > 2,000 2,500 2,250 247 38,052 0.63 96.49 1,049.97 44,574.29 1.79 75.90 4 311 0.99 76.79 664.65 18,799.16 1.96 55.49 63.30 42.17

11 > 2,500 3,000 2,750 205 38,257 0.52 97.01 1,025.35 45,599.64 1.75 77.65 5 316 1.23 78.02 196.08 18,995.24 0.58 56.07 19.12 41.66

12 > 3,000 4,000 3,500 213 38,470 0.54 97.55 1,074.41 46,674.05 1.83 79.48 0 316 0.00 78.02 0.00 18,995.24 0.00 56.07 0.00 40.70

13 > 4,000 5,000 4,500 119 38,589 0.30 97.85 781.03 47,455.08 1.33 80.81 2 318 0.49 78.52 50.00 19,045.24 0.15 56.22 6.40 40.13

14 > 5,000 7,500 6,250 202 38,791 0.51 98.36 1,356.89 48,811.97 2.31 83.12 16 334 3.95 82.47 1,004.92 20,050.16 2.97 59.18 74.06 41.08

15 > 7,500 10,000 8,750 90 38,881 0.23 98.59 941.38 49,753.35 1.60 84.72 9 343 2.22 84.69 2,272.71 22,322.87 6.71 65.89 241.42 44.87

16 > 10,000 20,000 15,000 222 39,103 0.56 99.16 2,938.28 52,691.64 5.00 89.72 20 363 4.94 89.63 10,247.18 32,570.05 30.25 96.14 348.75 61.81

17 > 20,000 50,000 35,000 164 39,267 0.42 99.57 2,487.60 55,179.24 4.24 93.96 0 363 0.00 89.63 0.00 32,570.05 0.00 96.14 0.00 59.03

18 > 50,000 100,000 75,000 69 39,336 0.17 99.75 1,575.03 56,754.27 2.68 96.64 10 373 2.47 92.10 316.37 32,886.42 0.93 97.08 20.09 57.95

19 > 100,000 500,000 300,000 88 39,424 0.22 99.97 1,485.15 58,239.42 2.53 99.17 17 390 4.20 96.30 869.04 33,755.46 2.57 99.64 58.52 57.96

20 > 500,000 12 39,436 0.03 100.00 486.43 58,725.86 0.83 100.00 15 405 3.70 100.00 121.84 33,877.30 0.36 100.00 25.05 57.6920 > 500,000 12 39,436 0.03 100.00 486.43 58,725.86 0.83 100.00 15 405 3.70 100.00 121.84 33,877.30 0.36 100.00 25.05 57.69

T O T A L 39,436 58,725.86 405 33,877.30 57.69

Page 84 of 204





1 0 50 25 2,657 2,657 25.93 25.93 954.03 954.03 6.05 6.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 1,636 4,293 15.96 41.89 424.71 1,378.74 2.69 8.74 4 4 2.96 2.96 72.69 72.69 1.05 1.05 17.12 5.27

3 > 100 200 150 1,950 6,243 19.03 60.92 968.65 2,347.39 6.14 14.88 15 19 11.11 14.07 727.48 800.17 10.55 11.61 75.10 34.09

4 > 200 300 250 984 7,227 9.60 70.52 845.37 3,192.77 5.36 20.24 7 26 5.19 19.26 380.91 1,181.09 5.53 17.13 45.06 36.99

5 > 300 500 400 1,047 8,274 10.22 80.74 1,384.39 4,577.16 8.77 29.01 11 37 8.15 27.41 923.58 2,104.66 13.40 30.53 66.71 45.98

6 > 500 750 625 504 8,778 4.92 85.66 1,068.80 5,645.96 6.77 35.78 6 43 4.44 31.85 290.74 2,395.40 4.22 34.75 27.20 42.43

7 > 750 1,000 875 342 9,120 3.34 88.99 925.88 6,571.84 5.87 41.65 2 45 1.48 33.33 607.67 3,003.07 8.82 43.56 65.63 45.70

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

8 > 1,000 1,500 1,250 282 9,402 2.75 91.74 1,074.42 7,646.26 6.81 48.46 2 47 1.48 34.81 7.86 3,010.93 0.11 43.68 0.73 39.38

9 > 1,500 2,000 1,750 180 9,582 1.76 93.50 802.88 8,449.14 5.09 53.55 3 50 2.22 37.04 6.49 3,017.42 0.09 43.77 0.81 35.71

10 > 2,000 2,500 2,250 81 9,663 0.79 94.29 417.14 8,866.29 2.64 56.19 0 50 0.00 37.04 0.00 3,017.42 0.00 43.77 0.00 34.03

11 > 2,500 3,000 2,750 51 9,714 0.50 94.79 247.88 9,114.17 1.57 57.76 0 50 0.00 37.04 0.00 3,017.42 0.00 43.77 0.00 33.11

12 > 3,000 4,000 3,500 49 9,763 0.48 95.27 296.67 9,410.84 1.88 59.64 0 50 0.00 37.04 0.00 3,017.42 0.00 43.77 0.00 32.06

13 > 4,000 5,000 4,500 47 9,810 0.46 95.73 255.76 9,666.60 1.62 61.27 2 52 1.48 38.52 3.49 3,020.91 0.05 43.82 1.36 31.25

14 > 5,000 7,500 6,250 87 9,897 0.85 96.57 490.37 10,156.97 3.11 64.37 7 59 5.19 43.70 321.90 3,342.80 4.67 48.49 65.64 32.91

15 > 7,500 10,000 8,750 40 9,937 0.39 96.97 331.43 10,488.40 2.10 66.47 9 68 6.67 50.37 218.39 3,561.20 3.17 51.66 65.89 33.95

16 > 10,000 20,000 15,000 79 10,016 0.77 97.74 1,218.15 11,706.55 7.72 74.19 11 79 8.15 58.52 461.81 4,023.00 6.70 58.36 37.91 34.37

17 > 20,000 50,000 35,000 73 10,089 0.71 98.45 1,165.36 12,871.91 7.39 81.58 29 108 21.48 80.00 1,012.55 5,035.55 14.69 73.05 86.89 39.12

18 > 50,000 100,000 75,000 82 10,171 0.80 99.25 973.53 13,845.44 6.17 87.75 10 118 7.41 87.41 45.16 5,080.71 0.66 73.70 4.64 36.70

19 > 100,000 500,000 300,000 68 10,239 0.66 99.91 1,824.58 15,670.03 11.56 99.31 17 135 12.59 100.00 1,812.73 6,893.44 26.30 100.00 99.35 43.99

20 > 500,000 9 10,248 0.09 100.00 108.17 15,778.19 0.69 100.00 0 135 0.00 100.00 0.00 6,893.44 0.00 100.00 0.00 43.69

T O T A L 10,248 15,778.19 135 6,893.44 43.69

Page 85 of 204





1 0 50 25 3,127 3,127 17.48 17.48 1,615.89 1,615.89 6.48 6.48 7 7 3.35 3.35 100.69 100.69 0.42 0.42 6.23 6.23

2 > 50 100 75 3,023 6,150 16.90 34.38 590.27 2,206.17 2.37 8.85 19 26 9.09 12.44 266.52 367.20 1.12 1.55 45.15 16.64

3 > 100 200 150 3,829 9,979 21.40 55.78 1,285.73 3,491.89 5.16 14.00 4 30 1.91 14.35 255.98 623.18 1.08 2.62 19.91 17.85

4 > 200 300 250 1,953 11,932 10.92 66.70 1,119.47 4,611.37 4.49 18.49 8 38 3.83 18.18 43.90 667.08 0.18 2.81 3.92 14.47

5 > 300 500 400 1,982 13,914 11.08 77.78 1,831.64 6,443.01 7.35 25.84 4 42 1.91 20.10 13.83 680.90 0.06 2.87 0.75 10.57

6 > 500 750 625 1,071 14,985 5.99 83.76 1,601.15 8,044.15 6.42 32.26 5 47 2.39 22.49 63.99 744.89 0.27 3.14 4.00 9.26

7 > 750 1,000 875 605 15,590 3.38 87.14 1,449.24 9,493.39 5.81 38.07 8 55 3.83 26.32 26.12 771.02 0.11 3.25 1.80 8.12

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

8 > 1,000 1,500 1,250 491 16,081 2.74 89.89 1,373.70 10,867.09 5.51 43.58 4 59 1.91 28.23 445.29 1,216.30 1.87 5.12 32.42 11.19

9 > 1,500 2,000 1,750 326 16,407 1.82 91.71 1,033.30 11,900.40 4.14 47.72 6 65 2.87 31.10 234.74 1,451.04 0.99 6.11 22.72 12.19

10 > 2,000 2,500 2,250 186 16,593 1.04 92.75 853.14 12,753.54 3.42 51.15 0 65 0.00 31.10 0.00 1,451.04 0.00 6.11 0.00 11.38

11 > 2,500 3,000 2,750 140 16,733 0.78 93.53 643.95 13,397.49 2.58 53.73 0 65 0.00 31.10 0.00 1,451.04 0.00 6.11 0.00 10.83

12 > 3,000 4,000 3,500 170 16,903 0.95 94.48 782.26 14,179.75 3.14 56.86 0 65 0.00 31.10 0.00 1,451.04 0.00 6.11 0.00 10.23

13 > 4,000 5,000 4,500 117 17,020 0.65 95.14 708.36 14,888.11 2.84 59.71 0 65 0.00 31.10 0.00 1,451.04 0.00 6.11 0.00 9.75

14 > 5,000 7,500 6,250 178 17,198 0.99 96.13 1,269.44 16,157.55 5.09 64.80 12 77 5.74 36.84 6,134.14 7,585.18 25.83 31.94 483.22 46.95

15 > 7,500 10,000 8,750 103 17,301 0.58 96.71 992.01 17,149.56 3.98 68.77 6 83 2.87 39.71 842.36 8,427.54 3.55 35.48 84.91 49.14

16 > 10,000 20,000 15,000 214 17,515 1.20 97.90 1,985.30 19,134.86 7.96 76.74 17 100 8.13 47.85 4,876.41 13,303.95 20.53 56.02 245.63 69.53

17 > 20,000 50,000 35,000 167 17,682 0.93 98.84 2,330.88 21,465.74 9.35 86.08 14 114 6.70 54.55 790.44 14,094.38 3.33 59.34 33.91 65.66

18 > 50,000 100,000 75,000 86 17,768 0.48 99.32 1,300.86 22,766.60 5.22 91.30 15 129 7.18 61.72 5,378.28 19,472.66 22.64 81.99 413.44 85.53

19 > 100,000 500,000 300,000 82 17,850 0.46 99.78 1,623.09 24,389.70 6.51 97.81 39 168 18.66 80.38 3,806.53 23,279.20 16.03 98.01 234.52 95.45

20 > 500,000 40 17,890 0.22 100.00 546.30 24,935.99 2.19 100.00 41 209 19.62 100.00 471.48 23,750.67 1.99 100.00 86.30 95.25

T O T A L 17,890 24,935.99 209 23,750.67 95.25

Page 86 of 204




1 0 50 25 3,948 3,948 13.44 13.44 3,029.92 3,029.92 5.54 5.54 12 12 3.30 3.30 103.32 103.32 0.03 0.03 3.41 3.41

2 > 50 100 75 3,414 7,362 11.62 25.06 813.86 3,843.77 1.49 7.03 10 22 2.75 6.04 286.54 389.86 0.07 0.10 35.21 10.14

3 > 100 200 150 5,447 12,809 18.54 43.60 2,134.49 5,978.26 3.91 10.94 41 63 11.26 17.31 1,516.46 1,906.32 0.39 0.49 71.05 31.89

4 > 200 300 250 3,556 16,365 12.11 55.71 2,218.98 8,197.25 4.06 15.00 15 78 4.12 21.43 731.26 2,637.58 0.19 0.68 32.95 32.18

5 > 300 500 400 4,172 20,537 14.20 69.91 4,442.15 12,639.39 8.13 23.13 21 99 5.77 27.20 1,477.38 4,114.97 0.38 1.06 33.26 32.56

6 > 500 750 625 2,225 22,762 7.57 77.49 3,610.74 16,250.13 6.61 29.73 12 111 3.30 30.49 381.71 4,496.68 0.10 1.15 10.57 27.67

PERCENTAGE(in million)ORIGINAL PREMIUM (in million Rupiah)

RPPERCENTAGE

rp RPBAND

rp

SUM INSURED CLAIM FREQUENCYPERCENTAGE

LOSS RATIO



NUMBER OF POLICIES

f F

6 > 500 750 625 2,225 22,762 7.57 77.49 3,610.74 16,250.13 6.61 29.73 12 111 3.30 30.49 381.71 4,496.68 0.10 1.15 10.57 27.67

7 > 750 1,000 875 1,557 24,319 5.30 82.79 3,888.65 20,138.79 7.12 36.85 3 114 0.82 31.32 73.46 4,570.14 0.02 1.17 1.89 22.69

8 > 1,000 1,500 1,250 1,347 25,666 4.59 87.37 4,282.86 24,421.65 7.84 44.69 8 122 2.20 33.52 1,731.90 6,302.04 0.44 1.62 40.44 25.81

9 > 1,500 2,000 1,750 714 26,380 2.43 89.80 2,713.21 27,134.86 4.96 49.65 11 133 3.02 36.54 1,380.33 7,682.37 0.35 1.97 50.87 28.31

10 > 2,000 2,500 2,250 406 26,786 1.38 91.18 1,709.75 28,844.61 3.13 52.78 8 141 2.20 38.74 156.02 7,838.39 0.04 2.01 9.13 27.17

11 > 2,500 3,000 2,750 292 27,078 0.99 92.18 1,480.26 30,324.88 2.71 55.49 15 156 4.12 42.86 5,245.22 13,083.61 1.35 3.36 354.34 43.14

12 > 3,000 4,000 3,500 309 27,387 1.05 93.23 2,037.40 32,362.28 3.73 59.22 9 165 2.47 45.33 1,560.17 14,643.78 0.40 3.76 76.58 45.25

13 > 4,000 5,000 4,500 277 27,664 0.94 94.17 1,670.86 34,033.14 3.06 62.27 2 167 0.55 45.88 0.00 14,643.78 0.00 3.76 0.00 43.03

14 > 5,000 7,500 6,250 302 27,966 1.03 95.20 2,294.96 36,328.10 4.20 66.47 6 173 1.65 47.53 350.79 14,994.57 0.09 3.85 15.29 41.28

15 > 7,500 10,000 8,750 203 28,169 0.69 95.89 1,577.23 37,905.33 2.89 69.36 11 184 3.02 50.55 1,511.20 16,505.77 0.39 4.23 95.81 43.54

16 > 10,000 20,000 15,000 357 28,526 1.22 97.11 3,335.05 41,240.38 6.10 75.46 9 193 2.47 53.02 194.76 16,700.53 0.05 4.28 5.84 40.50

17 > 20,000 50,000 35,000 305 28,831 1.04 98.14 3,853.50 45,093.87 7.05 82.51 18 211 4.95 57.97 1,710.73 18,411.26 0.44 4.72 44.39 40.83

18 > 50,000 100,000 75,000 179 29,010 0.61 98.75 2,127.57 47,221.44 3.89 86.40 24 235 6.59 64.56 4,187.69 22,598.95 1.07 5.80 196.83 47.86

19 > 100,000 500,000 300,000 265 29,275 0.90 99.66 4,191.43 51,412.87 7.67 94.07 77 312 21.15 85.71 364,386.43 386,985.38 93.48 99.27 8,693,60 752.7019 > 100,000 500,000 300,000 265 29,275 0.90 99.66 4,191.43 51,412.87 7.67 94.07 77 312 21.15 85.71 364,386.43 386,985.38 93.48 99.27 8,693,60 752.70

20 > 500,000 101 29,376 0.34 100.00 3,238.45 54,651.33 5.93 100.00 52 364 14.29 100.00 2,828.61 389,813.99 0.73 100.00 87.34 713.27

T O T A L 29,376 54,651.33 364 389,813.99 713.27

Page 87 of 204





1 0 50 25 1,602 1,602 10.95 10.95 737.59 737.59 3.18 3.18 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 1,605 3,207 10.97 21.91 325.98 1,063.58 1.41 4.59 4 4 4.76 4.76 100.66 100.66 0.50 0.50 30.88 9.46

3 > 100 200 150 2,870 6,077 19.61 41.52 945.89 2,009.47 4.08 8.67 2 6 2.38 7.14 140.32 240.99 0.69 1.19 14.84 11.99

4 > 200 300 250 2,049 8,126 14.00 55.52 1,066.54 3,076.01 4.60 13.28 7 13 8.33 15.48 435.17 676.16 2.14 3.33 40.80 21.98

5 > 300 500 400 2,155 10,281 14.72 70.24 1,873.94 4,949.95 8.09 21.37 14 27 16.67 32.14 359.21 1,035.37 1.77 5.10 19.17 20.92

6 > 500 750 625 1,133 11,414 7.74 77.99 1,678.83 6,628.79 7.25 28.62 4 31 4.76 36.90 822.82 1,858.19 4.05 9.15 49.01 28.03

7 > 750 1,000 875 836 12,250 5.71 83.70 1,790.41 8,419.19 7.73 36.35 2 33 2.38 39.29 679.70 2,537.89 3.35 12.49 37.96 30.14

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

7 > 750 1,000 875 836 12,250 5.71 83.70 1,790.41 8,419.19 7.73 36.35 2 33 2.38 39.29 679.70 2,537.89 3.35 12.49 37.96 30.14

8 > 1,000 1,500 1,250 671 12,921 4.58 88.28 2,021.36 10,440.55 8.73 45.07 6 39 7.14 46.43 1,632.38 4,170.27 8.03 20.52 80.76 39.94

9 > 1,500 2,000 1,750 444 13,365 3.03 91.32 1,690.45 12,131.00 7.30 52.37 6 45 7.14 53.57 1,235.96 5,406.22 6.08 26.61 73.11 44.57

10 > 2,000 2,500 2,250 239 13,604 1.63 92.95 1,200.87 13,331.87 5.18 57.55 2 47 2.38 55.95 6.65 5,412.87 0.03 26.64 0.55 40.60

11 > 2,500 3,000 2,750 156 13,760 1.07 94.01 929.36 14,261.23 4.01 61.57 0 47 0.00 55.95 0.00 5,412.87 0.00 26.64 0.00 37.96

12 > 3,000 4,000 3,500 190 13,950 1.30 95.31 1,066.86 15,328.09 4.61 66.17 0 47 0.00 55.95 0.00 5,412.87 0.00 26.64 0.00 35.31

13 > 4,000 5,000 4,500 105 14,055 0.72 96.03 704.89 16,032.97 3.04 69.21 2 49 2.38 58.33 19.45 5,432.32 0.10 26.74 2.76 33.88

14 > 5,000 7,500 6,250 198 14,253 1.35 97.38 1,949.58 17,982.55 8.42 77.63 9 58 10.71 69.05 5,005.98 10,438.30 24.64 51.37 256.77 58.05

15 > 7,500 10,000 8,750 95 14,348 0.65 98.03 900.53 18,883.08 3.89 81.52 2 60 2.38 71.43 0.00 10,438.30 0.00 51.37 0.00 55.28

16 > 10,000 20,000 15,000 132 14,480 0.90 98.93 1,943.25 20,826.33 8.39 89.91 2 62 2.38 73.81 32.24 10,470.54 0.16 51.53 1.66 50.28

17 > 20,000 50,000 35,000 87 14,567 0.59 99.53 1,503.94 22,330.27 6.49 96.40 3 65 3.57 77.38 133.44 10,603.98 0.66 52.19 8.87 47.49

18 > 50,000 100,000 75,000 23 14,590 0.16 99.69 324.79 22,655.05 1.40 97.80 7 72 8.33 85.71 821.37 11,425.34 4.04 56.23 252.90 50.43

19 > 100,000 500,000 300,000 38 14,628 0.26 99.95 381.73 23,036.79 1.65 99.45 5 77 5.95 91.67 1,476.01 12,901.35 7.26 63.49 386.66 56.00

20 > 500,000 8 14,636 0.05 100.00 127.62 23,164.41 0.55 100.00 7 84 8.33 100.00 7,417.52 20,318.87 36.51 100.00 5,812,22 87.7220 > 500,000 8 14,636 0.05 100.00 127.62 23,164.41 0.55 100.00 7 84 8.33 100.00 7,417.52 20,318.87 36.51 100.00 5,812,22 87.72

T O T A L 14,636 23,164.41 84 20,318.87 87.72

Page 88 of 204





1 0 50 25 1,543 1,543 17.99 17.99 303.40 303.40 2.16 2.16 6 6 40.00 40.00 42.00 42.00 4.13 4.13 13.84 13.84

2 > 50 100 75 1,307 2,850 15.24 33.23 335.44 638.84 2.39 4.56 2 8 13.33 53.33 13.72 55.72 1.35 5.47 4.09 8.72

3 > 100 200 150 1,635 4,485 19.06 52.29 730.51 1,369.34 5.21 9.77 0 8 0.00 53.33 0.00 55.72 0.00 5.47 0.00 4.07

4 > 200 300 250 1,056 5,541 12.31 64.60 852.00 2,221.35 6.08 15.84 0 8 0.00 53.33 0.00 55.72 0.00 5.47 0.00 2.51

5 > 300 500 400 1,061 6,602 12.37 76.97 1,463.33 3,684.67 10.44 26.28 2 10 13.33 66.67 4.00 59.72 0.39 5.87 0.27 1.62

6 > 500 750 625 547 7,149 6.38 83.35 1,253.48 4,938.15 8.94 35.22 0 10 0.00 66.67 0.00 59.72 0.00 5.87 0.00 1.21

7 > 750 1,000 875 427 7,576 4.98 88.33 1,415.56 6,353.71 10.09 45.31 3 13 20.00 86.67 920.66 980.38 90.46 96.33 65.04 15.43

8 > 1,000 1,500 1,250 318 7,894 3.71 92.04 1,430.91 7,784.62 10.20 55.51 2 15 13.33 100.00 37.40 1,017.78 3.67 100.00 2.61 13.07

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

8 > 1,000 1,500 1,250 318 7,894 3.71 92.04 1,430.91 7,784.62 10.20 55.51 2 15 13.33 100.00 37.40 1,017.78 3.67 100.00 2.61 13.07

9 > 1,500 2,000 1,750 178 8,072 2.08 94.11 1,092.47 8,877.09 7.79 63.31 0 15 0.00 100.00 0.00 1,017.78 0.00 100.00 0.00 11.47

10 > 2,000 2,500 2,250 97 8,169 1.13 95.24 795.45 9,672.54 5.67 68.98 0 15 0.00 100.00 0.00 1,017.78 0.00 100.00 0.00 10.52

11 > 2,500 3,000 2,750 60 8,229 0.70 95.94 514.64 10,187.18 3.67 72.65 0 15 0.00 100.00 0.00 1,017.78 0.00 100.00 0.00 9.99

12 > 3,000 4,000 3,500 86 8,315 1.00 96.95 756.52 10,943.70 5.40 78.04 0 15 0.00 100.00 0.00 1,017.78 0.00 100.00 0.00 9.30

13 > 4,000 5,000 4,500 56 8,371 0.65 97.60 509.98 11,453.68 3.64 81.68 0 15 0.00 100.00 0.00 1,017.78 0.00 100.00 0.00 8.89

14 > 5,000 7,500 6,250 83 8,454 0.97 98.57 451.28 11,904.96 3.22 84.90 0 15 0.00 100.00 0.00 1,017.78 0.00 100.00 0.00 8.55

15 > 7,500 10,000 8,750 21 8,475 0.24 98.81 354.98 12,259.94 2.53 87.43 0 15 0.00 100.00 0.00 1,017.78 0.00 100.00 0.00 8.30

16 > 10,000 20,000 15,000 40 8,515 0.47 99.28 724.30 12,984.23 5.17 92.60 0 15 0.00 100.00 0.00 1,017.78 0.00 100.00 0.00 7.84

17 > 20,000 50,000 35,000 33 8,548 0.38 99.66 503.12 13,487.35 3.59 96.18 0 15 0.00 100.00 0.00 1,017.78 0.00 100.00 0.00 7.55

18 > 50,000 100,000 75,000 19 8,567 0.22 99.88 258.33 13,745.69 1.84 98.03 0 15 0.00 100.00 0.00 1,017.78 0.00 100.00 0.00 7.40

19 > 100,000 500,000 300,000 8 8,575 0.09 99.98 276.81 14,022.50 1.97 100.00 0 15 0.00 100.00 0.00 1,017.78 0.00 100.00 0.00 7.26

20 > 500,000 2 8,577 0.02 100.00 0.07 14,022.57 0.00 100.00 0 15 0.00 100.00 0.00 1,017.78 0.00 100.00 0.00 7.26

T O T A L 8,577 14,022.57 15 1,017.78 7.26T O T A L 8,577 14,022.57 15 1,017.78 7.26

Page 89 of 204





1 0 50 25 5,495 5,495 15.86 15.86 888.01 888.01 1.99 1.99 19 19 11.88 11.88 203.98 203.98 1.29 1.29 22.97 22.97

2 > 50 100 75 4,993 10,488 14.41 30.27 1,102.74 1,990.75 2.47 4.47 11 30 6.88 18.75 226.35 430.34 1.43 2.72 20.53 21.62

3 > 100 200 150 7,210 17,698 20.81 51.08 2,289.32 4,280.07 5.14 9.60 9 39 5.63 24.38 403.18 833.51 2.55 5.28 17.61 19.47

4 > 200 300 250 4,169 21,867 12.03 63.11 (2,643,31) 1,636.76 (5,93) 3.67 2 41 1.25 25.63 42.42 875.93 0.27 5.55 (1,60) 53.52

5 > 300 500 400 4,465 26,332 12.89 76.00 4,457.99 6,094.75 10.00 13.68 24 65 15.00 40.63 1,021.72 1,897.65 6.47 12.01 22.92 31.14

6 > 500 750 625 2,359 28,691 6.81 82.81 3,616.60 9,711.36 8.12 21.79 4 69 2.50 43.13 74.13 1,971.78 0.47 12.48 2.05 20.30

7 > 750 1,000 875 1,432 30,123 4.13 86.94 2,873.46 12,584.82 6.45 28.24 9 78 5.63 48.75 1,033.42 3,005.21 6.54 19.02 35.96 23.88

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

8 > 1,000 1,500 1,250 1,230 31,353 3.55 90.49 3,454.42 16,039.24 7.75 35.99 6 84 3.75 52.50 1,492.09 4,497.30 9.45 28.47 43.19 28.04

9 > 1,500 2,000 1,750 702 32,055 2.03 92.52 2,427.80 18,467.04 5.45 41.44 4 88 2.50 55.00 115.15 4,612.45 0.73 29.20 4.74 24.98

10 > 2,000 2,500 2,250 382 32,437 1.10 93.62 1,466.63 19,933.67 3.29 44.73 5 93 3.13 58.13 101.47 4,713.92 0.64 29.84 6.92 23.65

11 > 2,500 3,000 2,750 309 32,746 0.89 94.51 1,393.37 21,327.04 3.13 47.85 2 95 1.25 59.38 2,661.00 7,374.93 16.85 46.69 190.98 34.58

12 > 3,000 4,000 3,500 337 33,083 0.97 95.49 1,960.30 23,287.34 4.40 52.25 2 97 1.25 60.63 10.00 7,384.93 0.06 46.75 0.51 31.71

13 > 4,000 5,000 4,500 236 33,319 0.68 96.17 1,570.19 24,857.53 3.52 55.78 2 99 1.25 61.88 43.62 7,428.54 0.28 47.03 2.78 29.88

14 > 5,000 7,500 6,250 309 33,628 0.89 97.06 2,616.50 27,474.04 5.87 61.65 3 102 1.88 63.75 409.43 7,837.97 2.59 49.62 15.65 28.53

15 > 7,500 10,000 8,750 191 33,819 0.55 97.61 1,863.09 29,337.13 4.18 65.83 0 102 0.00 63.75 0.00 7,837.97 0.00 49.62 0.00 26.72

16 > 10,000 20,000 15,000 290 34,109 0.84 98.45 4,382.95 33,720.08 9.83 75.66 17 119 10.63 74.38 750.92 8,588.90 4.75 54.37 17.13 25.47

17 > 20,000 50,000 35,000 239 34,348 0.69 99.14 3,316.21 37,036.28 7.44 83.10 14 133 8.75 83.13 1,343.86 9,932.76 8.51 62.88 40.52 26.82

18 > 50,000 100,000 75,000 128 34,476 0.37 99.51 1,867.69 38,903.97 4.19 87.29 6 139 3.75 86.88 1,454.90 11,387.65 9.21 72.09 77.90 29.27

19 > 100,000 500,000 300,000 135 34,611 0.39 99.90 3,291.24 42,195.21 7.39 94.68 8 147 5.00 91.88 1,772.41 13,160.06 11.22 83.31 53.85 31.19

20 > 500,000 36 34,647 0.10 100.00 2,371.35 44,566.57 5.32 100.00 13 160 8.13 100.00 2,636.29 15,796.35 16.69 100.00 111.17 35.44

T O T A L 34,647 44,566.57 160 15,796.35 35.44

Page 90 of 204





1 0 50 25 856 856 17.45 17.45 346.07 346.07 4.92 4.92 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 619 1,475 12.62 30.07 157.89 503.96 2.24 7.16 2 2 50.00 50.00 10.21 10.21 17.11 17.11 6.47 2.03

3 > 100 200 150 873 2,348 17.80 47.87 294.55 798.51 4.18 11.34 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 1.28

4 > 200 300 250 614 2,962 12.52 60.39 394.21 1,192.72 5.60 16.94 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.86

5 > 300 500 400 695 3,657 14.17 74.56 769.50 1,962.22 10.93 27.88 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.52

6 > 500 750 625 403 4,060 8.22 82.77 768.81 2,731.03 10.92 38.80 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.37

7 > 750 1,000 875 230 4,290 4.69 87.46 578.65 3,309.68 8.22 47.02 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.31

8 > 1,000 1,500 1,250 182 4,472 3.71 91.17 683.48 3,993.16 9.71 56.73 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.26

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

8 > 1,000 1,500 1,250 182 4,472 3.71 91.17 683.48 3,993.16 9.71 56.73 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.26

9 > 1,500 2,000 1,750 97 4,569 1.98 93.15 364.29 4,357.45 5.18 61.90 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.23

10 > 2,000 2,500 2,250 56 4,625 1.14 94.29 249.76 4,607.21 3.55 65.45 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.22

11 > 2,500 3,000 2,750 51 4,676 1.04 95.33 254.41 4,861.62 3.61 69.06 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.21

12 > 3,000 4,000 3,500 74 4,750 1.51 96.84 387.77 5,249.39 5.51 74.57 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.19

13 > 4,000 5,000 4,500 30 4,780 0.61 97.45 267.57 5,516.97 3.80 78.37 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.19

14 > 5,000 7,500 6,250 51 4,831 1.04 98.49 419.24 5,936.21 5.96 84.33 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.17

15 > 7,500 10,000 8,750 10 4,841 0.20 98.70 134.34 6,070.55 1.91 86.24 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.17

16 > 10,000 20,000 15,000 19 4,860 0.39 99.08 227.69 6,298.24 3.23 89.47 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.16

17 > 20,000 50,000 35,000 27 4,887 0.55 99.63 460.62 6,758.86 6.54 96.02 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.15

18 > 50,000 100,000 75,000 3 4,890 0.06 99.69 54.91 6,813.77 0.78 96.80 0 2 0.00 50.00 0.00 10.21 0.00 17.11 0.00 0.15

19 > 100,000 500,000 300,000 8 4,898 0.16 99.86 61.82 6,875.60 0.88 97.67 2 4 50.00 100.00 49.46 59.67 82.89 100.00 80.00 0.87

20 > 500,000 7 4,905 0.14 100.00 163.74 7,039.33 2.33 100.00 0 4 0.00 100.00 0.00 59.67 0.00 100.00 0.00 0.85

T O T A L 4,905 7,039.33 4 59.67 0.85T O T A L 4,905 7,039.33 4 59.67 0.85

Page 91 of 204





1 0 50 25 4,560 4,560 14.80 14.80 2,592.24 2,592.24 4.37 4.37 27 27 4.58 4.58 218.16 218.16 0.62 0.62 8.42 8.42

2 > 50 100 75 2,916 7,476 9.47 24.27 521.34 3,113.58 0.88 5.25 9 36 1.53 6.10 140.91 359.07 0.40 1.02 27.03 11.53

3 > 100 200 150 4,338 11,814 14.08 38.35 1,391.66 4,505.25 2.35 7.60 20 56 3.39 9.49 606.10 965.17 1.71 2.73 43.55 21.42

4 > 200 300 250 2,752 14,566 8.93 47.29 1,387.47 5,892.72 2.34 9.94 12 68 2.03 11.53 285.33 1,250.50 0.81 3.54 20.56 21.22

5 > 300 500 400 3,628 18,194 11.78 59.07 2,958.17 8,850.89 4.99 14.92 23 91 3.90 15.42 817.42 2,067.92 2.31 5.85 27.63 23.36

6 > 500 750 625 2,328 20,522 7.56 66.63 2,787.80 11,638.69 4.70 19.62 21 112 3.56 18.98 789.92 2,857.84 2.23 8.08 28.33 24.55

7 > 750 1,000 875 2,156 22,678 7.00 73.63 3,408.86 15,047.56 5.75 25.37 16 128 2.71 21.69 1,319.22 4,177.06 3.73 11.81 38.70 27.76

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

7 > 750 1,000 875 2,156 22,678 7.00 73.63 3,408.86 15,047.56 5.75 25.37 16 128 2.71 21.69 1,319.22 4,177.06 3.73 11.81 38.70 27.76

8 > 1,000 1,500 1,250 1,933 24,611 6.28 79.90 4,384.09 19,431.65 7.39 32.76 23 151 3.90 25.59 65.29 4,242.35 0.18 11.99 1.49 21.83

9 > 1,500 2,000 1,750 1,395 26,006 4.53 84.43 4,237.80 23,669.45 7.15 39.91 56 207 9.49 35.08 2,068.33 6,310.68 5.85 17.84 48.81 26.66

10 > 2,000 2,500 2,250 855 26,861 2.78 87.21 3,038.55 26,708.00 5.12 45.03 43 250 7.29 42.37 3,307.95 9,618.63 9.35 27.20 108.87 36.01

11 > 2,500 3,000 2,750 600 27,461 1.95 89.15 2,650.81 29,358.80 4.47 49.50 16 266 2.71 45.08 165.77 9,784.40 0.47 27.66 6.25 33.33

12 > 3,000 4,000 3,500 778 28,239 2.53 91.68 3,807.10 33,165.91 6.42 55.92 24 290 4.07 49.15 281.75 10,066.15 0.80 28.46 7.40 30.35

13 > 4,000 5,000 4,500 424 28,663 1.38 93.06 2,566.88 35,732.79 4.33 60.25 25 315 4.24 53.39 292.82 10,358.97 0.83 29.29 11.41 28.99

14 > 5,000 7,500 6,250 507 29,170 1.65 94.70 3,691.10 39,423.89 6.22 66.47 36 351 6.10 59.49 4,299.18 14,658.16 12.16 41.44 116.47 37.18

15 > 7,500 10,000 8,750 367 29,537 1.19 95.89 3,420.68 42,844.56 5.77 72.24 38 389 6.44 65.93 1,360.89 16,019.04 3.85 45.29 39.78 37.39

16 > 10,000 20,000 15,000 479 30,016 1.56 97.45 5,886.13 48,730.69 9.92 82.16 23 412 3.90 69.83 364.87 16,383.91 1.03 46.32 6.20 33.62

17 > 20,000 50,000 35,000 398 30,414 1.29 98.74 4,705.28 53,435.97 7.93 90.10 50 462 8.47 78.31 3,303.50 19,687.42 9.34 55.66 70.21 36.84

18 > 50,000 100,000 75,000 138 30,552 0.45 99.19 1,772.64 55,208.60 2.99 93.09 37 499 6.27 84.58 867.15 20,554.56 2.45 58.12 48.92 37.23

19 > 100,000 500,000 300,000 195 30,747 0.63 99.82 2,875.84 58,084.45 4.85 97.93 65 564 11.02 95.59 14,332.77 34,887.33 40.52 98.64 498.39 60.06

20 > 500,000 55 30,802 0.18 100.00 1,225.36 59,309.81 2.07 100.00 26 590 4.41 100.00 481.39 35,368.72 1.36 100.00 39.29 59.6320 > 500,000 55 30,802 0.18 100.00 1,225.36 59,309.81 2.07 100.00 26 590 4.41 100.00 481.39 35,368.72 1.36 100.00 39.29 59.63

T O T A L 30,802 59,309.81 590 35,368.72 59.63

Page 92 of 204





1 0 50 25 1,419 1,419 16.38 16.38 364.84 364.84 3.19 3.19 4 4 8.00 8.00 42.12 42.12 1.24 1.24 11.54 11.54

2 > 50 100 75 1,471 2,890 16.98 33.36 323.18 688.02 2.82 6.01 10 14 20.00 28.00 79.59 121.71 2.35 3.60 24.63 17.69

3 > 100 200 150 1,875 4,765 21.64 55.00 838.08 1,526.10 7.32 13.32 0 14 0.00 28.00 0.00 121.71 0.00 3.60 0.00 7.98

4 > 200 300 250 941 5,706 10.86 65.87 736.93 2,263.03 6.43 19.76 2 16 4.00 32.00 15.30 137.01 0.45 4.05 2.08 6.05

5 > 300 500 400 1,056 6,762 12.19 78.06 1,085.79 3,348.83 9.48 29.24 2 18 4.00 36.00 1.34 138.36 0.04 4.09 0.12 4.13

6 > 500 750 625 492 7,254 5.68 83.74 827.54 4,176.36 7.23 36.46 0 18 0.00 36.00 0.00 138.36 0.00 4.09 0.00 3.31

7 > 750 1,000 875 318 7,572 3.67 87.41 709.39 4,885.75 6.19 42.66 0 18 0.00 36.00 0.00 138.36 0.00 4.09 0.00 2.83

8 > 1,000 1,500 1,250 314 7,886 3.62 91.03 820.19 5,705.95 7.16 49.82 0 18 0.00 36.00 0.00 138.36 0.00 4.09 0.00 2.42

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

8 > 1,000 1,500 1,250 314 7,886 3.62 91.03 820.19 5,705.95 7.16 49.82 0 18 0.00 36.00 0.00 138.36 0.00 4.09 0.00 2.42

9 > 1,500 2,000 1,750 140 8,026 1.62 92.65 601.03 6,306.98 5.25 55.07 4 22 8.00 44.00 1,937.65 2,076.01 57.27 61.36 322.39 32.92

10 > 2,000 2,500 2,250 103 8,129 1.19 93.84 484.68 6,791.65 4.23 59.30 2 24 4.00 48.00 8.58 2,084.59 0.25 61.61 1.77 30.69

11 > 2,500 3,000 2,750 77 8,206 0.89 94.72 344.40 7,136.05 3.01 62.30 0 24 0.00 48.00 0.00 2,084.59 0.00 61.61 0.00 29.21

12 > 3,000 4,000 3,500 113 8,319 1.30 96.03 581.99 7,718.04 5.08 67.39 2 26 4.00 52.00 193.08 2,277.67 5.71 67.32 33.18 29.51

13 > 4,000 5,000 4,500 65 8,384 0.75 96.78 451.35 8,169.39 3.94 71.33 2 28 4.00 56.00 4.45 2,282.12 0.13 67.45 0.98 27.94

14 > 5,000 7,500 6,250 69 8,453 0.80 97.58 512.85 8,682.24 4.48 75.80 0 28 0.00 56.00 0.00 2,282.12 0.00 67.45 0.00 26.28

15 > 7,500 10,000 8,750 39 8,492 0.45 98.03 347.65 9,029.89 3.04 78.84 6 34 12.00 68.00 20.42 2,302.54 0.60 68.05 5.87 25.50

16 > 10,000 20,000 15,000 70 8,562 0.81 98.83 915.49 9,945.38 7.99 86.83 3 37 6.00 74.00 364.31 2,666.85 10.77 78.82 39.79 26.81

17 > 20,000 50,000 35,000 56 8,618 0.65 99.48 539.82 10,485.19 4.71 91.55 2 39 4.00 78.00 26.18 2,693.03 0.77 79.59 4.85 25.68

18 > 50,000 100,000 75,000 16 8,634 0.18 99.67 221.83 10,707.02 1.94 93.48 7 46 14.00 92.00 505.54 3,198.57 14.94 94.53 227.89 29.87

19 > 100,000 500,000 300,000 21 8,655 0.24 99.91 312.06 11,019.09 2.72 96.21 4 50 8.00 100.00 184.95 3,383.52 5.47 100.00 59.27 30.71

20 > 500,000 8 8,663 0.09 100.00 434.40 11,453.48 3.79 100.00 0 50 0.00 100.00 0.00 3,383.52 0.00 100.00 0.00 29.54

T O T A L 8,663 11,453.48 50 3,383.52 29.54T O T A L 8,663 11,453.48 50 3,383.52 29.54

Page 93 of 204





1 0 50 25 712 712 11.38 11.38 225.07 225.07 2.24 2.24 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 914 1,626 14.61 26.00 183.79 408.86 1.83 4.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 1,282 2,908 20.50 46.49 476.80 885.66 4.75 8.81 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 748 3,656 11.96 58.45 504.06 1,389.72 5.02 13.83 4 4 17.39 17.39 279.12 279.12 4.65 4.65 55.37 20.08

5 > 300 500 400 798 4,454 12.76 71.21 1,069.41 2,459.14 10.64 24.47 0 4 0.00 17.39 0.00 279.12 0.00 4.65 0.00 11.35

6 > 500 750 625 519 4,973 8.30 79.50 980.37 3,439.51 9.76 34.23 0 4 0.00 17.39 0.00 279.12 0.00 4.65 0.00 8.12

7 > 750 1,000 875 383 5,356 6.12 85.63 1,074.33 4,513.84 10.69 44.92 6 10 26.09 43.48 1,009.18 1,288.31 16.82 21.48 93.94 28.54

8 > 1,000 1,500 1,250 325 5,681 5.20 90.82 1,238.76 5,752.60 12.33 57.25 0 10 0.00 43.48 0.00 1,288.31 0.00 21.48 0.00 22.40

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

8 > 1,000 1,500 1,250 325 5,681 5.20 90.82 1,238.76 5,752.60 12.33 57.25 0 10 0.00 43.48 0.00 1,288.31 0.00 21.48 0.00 22.40

9 > 1,500 2,000 1,750 170 5,851 2.72 93.54 837.19 6,589.80 8.33 65.58 0 10 0.00 43.48 0.00 1,288.31 0.00 21.48 0.00 19.55

10 > 2,000 2,500 2,250 93 5,944 1.49 95.03 533.11 7,122.91 5.31 70.89 2 12 8.70 52.17 2,400.56 3,688.87 40.02 61.50 450.29 51.79

11 > 2,500 3,000 2,750 63 6,007 1.01 96.04 379.49 7,502.40 3.78 74.67 2 14 8.70 60.87 2,073.12 5,761.98 34.56 96.06 546.29 76.80

12 > 3,000 4,000 3,500 61 6,068 0.98 97.01 487.39 7,989.79 4.85 79.52 0 14 0.00 60.87 0.00 5,761.98 0.00 96.06 0.00 72.12

13 > 4,000 5,000 4,500 39 6,107 0.62 97.63 352.07 8,341.87 3.50 83.02 0 14 0.00 60.87 0.00 5,761.98 0.00 96.06 0.00 69.07

14 > 5,000 7,500 6,250 65 6,172 1.04 98.67 647.50 8,989.36 6.44 89.47 4 18 17.39 78.26 198.18 5,960.17 3.30 99.36 30.61 66.30

15 > 7,500 10,000 8,750 22 6,194 0.35 99.02 238.39 9,227.76 2.37 91.84 0 18 0.00 78.26 0.00 5,960.17 0.00 99.36 0.00 64.59

16 > 10,000 20,000 15,000 27 6,221 0.43 99.46 368.43 9,596.19 3.67 95.51 0 18 0.00 78.26 0.00 5,960.17 0.00 99.36 0.00 62.11

17 > 20,000 50,000 35,000 22 6,243 0.35 99.81 371.61 9,967.80 3.70 99.20 5 23 21.74 100.00 38.16 5,998.33 0.64 100.00 10.27 60.18

18 > 50,000 100,000 75,000 8 6,251 0.13 99.94 22.53 9,990.32 0.22 99.43 0 23 0.00 100.00 0.00 5,998.33 0.00 100.00 0.00 60.04

19 > 100,000 500,000 300,000 4 6,255 0.06 100.00 57.40 10,047.73 0.57 100.00 0 23 0.00 100.00 0.00 5,998.33 0.00 100.00 0.00 59.70

20 > 500,000 0 6,255 0.00 100.00 0.00 10,047.73 0.00 100.00 0 23 0.00 100.00 0.00 5,998.33 0.00 100.00 0.00 59.70

T O T A L 6,255 10,047.73 23 5,998.33 59.70T O T A L 6,255 10,047.73 23 5,998.33 59.70

Page 94 of 204





1 0 50 25 236 236 8.44 8.44 305.01 305.01 4.93 4.93 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 382 618 13.67 22.11 105.26 410.27 1.70 6.63 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 557 1,175 19.93 42.04 237.91 648.19 3.85 10.48 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 359 1,534 12.84 54.88 281.16 929.35 4.54 15.02 3 3 25.00 25.00 228.33 228.33 50.84 50.84 81.21 24.57

5 > 300 500 400 365 1,899 13.06 67.94 480.03 1,409.37 7.76 22.78 0 3 0.00 25.00 0.00 228.33 0.00 50.84 0.00 16.20

6 > 500 750 625 212 2,111 7.58 75.53 409.48 1,818.85 6.62 29.40 2 5 16.67 41.67 108.41 336.74 24.14 74.98 26.47 18.51

7 > 750 1,000 875 171 2,282 6.12 81.65 485.29 2,304.14 7.84 37.24 0 5 0.00 41.67 0.00 336.74 0.00 74.98 0.00 14.61

8 > 1,000 1,500 1,250 155 2,437 5.55 87.19 591.97 2,896.11 9.57 46.81 0 5 0.00 41.67 0.00 336.74 0.00 74.98 0.00 11.63

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

8 > 1,000 1,500 1,250 155 2,437 5.55 87.19 591.97 2,896.11 9.57 46.81 0 5 0.00 41.67 0.00 336.74 0.00 74.98 0.00 11.63

9 > 1,500 2,000 1,750 76 2,513 2.72 89.91 427.47 3,323.58 6.91 53.72 2 7 16.67 58.33 4.64 341.38 1.03 76.01 1.08 10.27

10 > 2,000 2,500 2,250 52 2,565 1.86 91.77 286.44 3,610.02 4.63 58.35 0 7 0.00 58.33 0.00 341.38 0.00 76.01 0.00 9.46

11 > 2,500 3,000 2,750 42 2,607 1.50 93.27 270.85 3,880.87 4.38 62.73 0 7 0.00 58.33 0.00 341.38 0.00 76.01 0.00 8.80

12 > 3,000 4,000 3,500 31 2,638 1.11 94.38 217.16 4,098.03 3.51 66.24 0 7 0.00 58.33 0.00 341.38 0.00 76.01 0.00 8.33

13 > 4,000 5,000 4,500 31 2,669 1.11 95.49 241.33 4,339.36 3.90 70.14 0 7 0.00 58.33 0.00 341.38 0.00 76.01 0.00 7.87

14 > 5,000 7,500 6,250 33 2,702 1.18 96.67 295.71 4,635.07 4.78 74.92 0 7 0.00 58.33 0.00 341.38 0.00 76.01 0.00 7.37

15 > 7,500 10,000 8,750 18 2,720 0.64 97.32 132.95 4,768.02 2.15 77.07 0 7 0.00 58.33 0.00 341.38 0.00 76.01 0.00 7.16

16 > 10,000 20,000 15,000 32 2,752 1.14 98.46 456.43 5,224.45 7.38 84.45 2 9 16.67 75.00 53.79 395.17 11.98 87.99 11.79 7.56

17 > 20,000 50,000 35,000 19 2,771 0.68 99.14 425.04 5,649.49 6.87 91.32 1 10 8.33 83.33 0.00 395.17 0.00 87.99 0.00 6.99

18 > 50,000 100,000 75,000 12 2,783 0.43 99.57 122.25 5,771.74 1.98 93.29 2 12 16.67 100.00 53.94 449.11 12.01 100.00 44.12 7.78

19 > 100,000 500,000 300,000 10 2,793 0.36 99.93 210.89 5,982.63 3.41 96.70 0 12 0.00 100.00 0.00 449.11 0.00 100.00 0.00 7.51

20 > 500,000 2 2,795 0.07 100.00 203.93 6,186.56 3.30 100.00 0 12 0.00 100.00 0.00 449.11 0.00 100.00 0.00 7.26

T O T A L 2,795 6,186.56 12 449.11 7.26T O T A L 2,795 6,186.56 12 449.11 7.26

Page 95 of 204





1 0 50 25 798 798 10.14 10.14 459.91 459.91 2.40 2.40 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 752 1,550 9.56 19.71 202.44 662.35 1.06 3.46 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 1,321 2,871 16.79 36.50 547.30 1,209.65 2.86 6.32 4 4 11.43 11.43 137.91 137.91 4.17 4.17 25.20 11.40

4 > 200 300 250 1,008 3,879 12.81 49.31 679.12 1,888.76 3.55 9.86 0 4 0.00 11.43 0.00 137.91 0.00 4.17 0.00 7.30

5 > 300 500 400 1,283 5,162 16.31 65.62 1,682.89 3,571.66 8.79 18.65 8 12 22.86 34.29 706.20 844.10 21.35 25.52 41.96 23.63

6 > 500 750 625 705 5,867 8.96 74.59 1,524.14 5,095.80 7.96 26.60 2 14 5.71 40.00 6.20 850.31 0.19 25.71 0.41 16.69

7 > 750 1,000 875 538 6,405 6.84 81.43 1,635.51 6,731.31 8.54 35.14 0 14 0.00 40.00 0.00 850.31 0.00 25.71 0.00 12.63

8 > 1,000 1,500 1,250 398 6,803 5.06 86.49 1,663.93 8,395.25 8.69 43.83 6 20 17.14 57.14 452.64 1,302.95 13.68 39.39 27.20 15.52

PERCENTAGE(in million)ORIGINAL PREMIUM (in million Rupiah)

RPPERCENTAGE

rp RPBAND

rp


LOSS RATIO



NUMBER OF POLICIES

f F

8 > 1,000 1,500 1,250 398 6,803 5.06 86.49 1,663.93 8,395.25 8.69 43.83 6 20 17.14 57.14 452.64 1,302.95 13.68 39.39 27.20 15.52

9 > 1,500 2,000 1,750 284 7,087 3.61 90.10 1,783.25 10,178.49 9.31 53.14 4 24 11.43 68.57 1,546.91 2,849.86 46.77 86.16 86.75 28.00

10 > 2,000 2,500 2,250 143 7,230 1.82 91.91 1,043.49 11,221.99 5.45 58.59 5 29 14.29 82.86 267.25 3,117.11 8.08 94.24 25.61 27.78

11 > 2,500 3,000 2,750 120 7,350 1.53 93.44 867.22 12,089.21 4.53 63.11 3 32 8.57 91.43 145.84 3,262.95 4.41 98.65 16.82 26.99

12 > 3,000 4,000 3,500 117 7,467 1.49 94.93 1,110.61 13,199.81 5.80 68.91 0 32 0.00 91.43 0.00 3,262.95 0.00 98.65 0.00 24.72

13 > 4,000 5,000 4,500 88 7,555 1.12 96.05 1,065.63 14,265.45 5.56 74.48 0 32 0.00 91.43 0.00 3,262.95 0.00 98.65 0.00 22.87

14 > 5,000 7,500 6,250 104 7,659 1.32 97.37 1,239.35 15,504.80 6.47 80.95 0 32 0.00 91.43 0.00 3,262.95 0.00 98.65 0.00 21.04

15 > 7,500 10,000 8,750 54 7,713 0.69 98.05 800.05 16,304.85 4.18 85.12 0 32 0.00 91.43 0.00 3,262.95 0.00 98.65 0.00 20.01

16 > 10,000 20,000 15,000 59 7,772 0.75 98.80 1,010.53 17,315.38 5.28 90.40 0 32 0.00 91.43 0.00 3,262.95 0.00 98.65 0.00 18.84

17 > 20,000 50,000 35,000 48 7,820 0.61 99.42 764.10 18,079.49 3.99 94.39 3 35 8.57 100.00 44.79 3,307.74 1.35 100.00 5.86 18.30

18 > 50,000 100,000 75,000 16 7,836 0.20 99.62 396.81 18,476.30 2.07 96.46 0 35 0.00 100.00 0.00 3,307.74 0.00 100.00 0.00 17.90

19 > 100,000 500,000 300,000 28 7,864 0.36 99.97 484.40 18,960.70 2.53 98.99 0 35 0.00 100.00 0.00 3,307.74 0.00 100.00 0.00 17.45

20 > 500,000 2 7,866 0.03 100.00 193.89 19,154.59 1.01 100.00 0 35 0.00 100.00 0.00 3,307.74 0.00 100.00 0.00 17.27

T O T A L 7,866 19,154.59 35 3,307.74 17.27T O T A L 7,866 19,154.59 35 3,307.74 17.27

Page 96 of 204





1 0 50 25 110 110 8.24 8.24 62.99 62.99 1.66 1.66 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 144 254 10.79 19.03 41.46 104.45 1.09 2.76 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 236 490 17.68 36.70 114.96 219.40 3.03 5.79 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 153 643 11.46 48.16 123.46 342.86 3.26 9.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 196 839 14.68 62.85 282.45 625.32 7.45 16.49 2 2 66.67 66.67 376.97 376.97 100.00 100.00 133.46 60.28

6 > 500 750 625 108 947 8.09 70.94 244.66 869.98 6.45 22.95 0 2 0.00 66.67 0.00 376.97 0.00 100.00 0.00 43.33

7 > 750 1,000 875 98 1,045 7.34 78.28 341.62 1,211.60 9.01 31.96 0 2 0.00 66.67 0.00 376.97 0.00 100.00 0.00 31.11

8 > 1,000 1,500 1,250 93 1,138 6.97 85.24 543.50 1,755.11 14.34 46.30 0 2 0.00 66.67 0.00 376.97 0.00 100.00 0.00 21.48

NUMBER OF POLICIES

f FMid Points PERCENTAGE(in million) PERCENTAGE


LOSS RATIO


rp RPBAND

rp


8 > 1,000 1,500 1,250 93 1,138 6.97 85.24 543.50 1,755.11 14.34 46.30 0 2 0.00 66.67 0.00 376.97 0.00 100.00 0.00 21.48

9 > 1,500 2,000 1,750 62 1,200 4.64 89.89 464.17 2,219.27 12.24 58.54 0 2 0.00 66.67 0.00 376.97 0.00 100.00 0.00 16.99

10 > 2,000 2,500 2,250 34 1,234 2.55 92.43 294.00 2,513.27 7.76 66.30 0 2 0.00 66.67 0.00 376.97 0.00 100.00 0.00 15.00

11 > 2,500 3,000 2,750 17 1,251 1.27 93.71 192.69 2,705.96 5.08 71.38 0 2 0.00 66.67 0.00 376.97 0.00 100.00 0.00 13.93

12 > 3,000 4,000 3,500 23 1,274 1.72 95.43 186.94 2,892.90 4.93 76.31 0 2 0.00 66.67 0.00 376.97 0.00 100.00 0.00 13.03

13 > 4,000 5,000 4,500 19 1,293 1.42 96.85 156.14 3,049.04 4.12 80.43 0 2 0.00 66.67 0.00 376.97 0.00 100.00 0.00 12.36

14 > 5,000 7,500 6,250 19 1,312 1.42 98.28 188.81 3,237.84 4.98 85.41 0 2 0.00 66.67 0.00 376.97 0.00 100.00 0.00 11.64

15 > 7,500 10,000 8,750 4 1,316 0.30 98.58 50.78 3,288.62 1.34 86.75 0 2 0.00 66.67 0.00 376.97 0.00 100.00 0.00 11.46

16 > 10,000 20,000 15,000 3 1,319 0.22 98.80 142.83 3,431.46 3.77 90.51 0 2 0.00 66.67 0.00 376.97 0.00 100.00 0.00 10.99

17 > 20,000 50,000 35,000 9 1,328 0.67 99.48 233.42 3,664.88 6.16 96.67 0 2 0.00 66.67 0.00 376.97 0.00 100.00 0.00 10.29

18 > 50,000 100,000 75,000 4 1,332 0.30 99.78 80.87 3,745.75 2.13 98.81 1 3 33.33 100.00 0.00 376.97 0.00 100.00 0.00 10.06

19 > 100,000 500,000 300,000 2 1,334 0.15 99.93 38.02 3,783.77 1.00 99.81 0 3 0.00 100.00 0.00 376.97 0.00 100.00 0.00 9.96

20 > 500,000 1 1,335 0.07 100.00 7.27 3,791.04 0.19 100.00 0 3 0.00 100.00 0.00 376.97 0.00 100.00 0.00 9.94

T O T A L 1,335 3,791.04 3 376.97 9.94T O T A L 1,335 3,791.04 3 376.97 9.94

Page 97 of 204





1 0 50 25 130 130 5.61 5.61 (8,11) (8,11) (0,17) (0,17) 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 262 392 11.31 16.93 44.87 36.77 0.93 0.76 2 2 20.00 20.00 27.54 27.54 4.79 4.79 61.37 74.90

3 > 100 200 150 517 909 22.32 39.25 172.32 209.09 3.57 4.33 0 2 0.00 20.00 0.00 27.54 0.00 4.79 0.00 13.17

4 > 200 300 250 310 1,219 13.39 52.63 167.78 376.87 3.47 7.80 0 2 0.00 20.00 0.00 27.54 0.00 4.79 0.00 7.31

5 > 300 500 400 356 1,575 15.37 68.01 360.86 737.73 7.47 15.28 0 2 0.00 20.00 0.00 27.54 0.00 4.79 0.00 3.73

6 > 500 750 625 181 1,756 7.82 75.82 366.58 1,104.31 7.59 22.87 4 6 40.00 60.00 437.91 465.44 76.12 80.90 119.46 42.15

7 > 750 1,000 875 136 1,892 5.87 81.69 404.50 1,508.81 8.38 31.25 0 6 0.00 60.00 0.00 465.44 0.00 80.90 0.00 30.85

8 > 1,000 1,500 1,250 108 2,000 4.66 86.36 391.57 1,900.37 8.11 39.35 2 8 20.00 80.00 12.13 477.57 2.11 83.01 3.10 25.13



RP f FPERCENTAGE

rp RPBAND

rp


NUMBER OF POLICIES


8 > 1,000 1,500 1,250 108 2,000 4.66 86.36 391.57 1,900.37 8.11 39.35 2 8 20.00 80.00 12.13 477.57 2.11 83.01 3.10 25.13

9 > 1,500 2,000 1,750 81 2,081 3.50 89.85 413.45 2,313.82 8.56 47.92 0 8 0.00 80.00 0.00 477.57 0.00 83.01 0.00 20.64

10 > 2,000 2,500 2,250 59 2,140 2.55 92.40 334.06 2,647.88 6.92 54.83 0 8 0.00 80.00 0.00 477.57 0.00 83.01 0.00 18.04

11 > 2,500 3,000 2,750 32 2,172 1.38 93.78 225.04 2,872.91 4.66 59.49 0 8 0.00 80.00 0.00 477.57 0.00 83.01 0.00 16.62

12 > 3,000 4,000 3,500 47 2,219 2.03 95.81 667.87 3,540.79 13.83 73.33 0 8 0.00 80.00 0.00 477.57 0.00 83.01 0.00 13.49

13 > 4,000 5,000 4,500 23 2,242 0.99 96.80 212.37 3,753.16 4.40 77.72 0 8 0.00 80.00 0.00 477.57 0.00 83.01 0.00 12.72

14 > 5,000 7,500 6,250 18 2,260 0.78 97.58 189.25 3,942.40 3.92 81.64 2 10 20.00 100.00 97.73 575.30 16.99 100.00 51.64 14.59

15 > 7,500 10,000 8,750 17 2,277 0.73 98.32 208.67 4,151.07 4.32 85.96 0 10 0.00 100.00 0.00 575.30 0.00 100.00 0.00 13.86

16 > 10,000 20,000 15,000 23 2,300 0.99 99.31 452.74 4,603.82 9.38 95.34 0 10 0.00 100.00 0.00 575.30 0.00 100.00 0.00 12.50

17 > 20,000 50,000 35,000 10 2,310 0.43 99.74 84.52 4,688.34 1.75 97.09 0 10 0.00 100.00 0.00 575.30 0.00 100.00 0.00 12.27

18 > 50,000 100,000 75,000 4 2,314 0.17 99.91 69.10 4,757.44 1.43 98.52 0 10 0.00 100.00 0.00 575.30 0.00 100.00 0.00 12.09

19 > 100,000 500,000 300,000 2 2,316 0.09 100.00 71.42 4,828.86 1.48 100.00 0 10 0.00 100.00 0.00 575.30 0.00 100.00 0.00 11.91

20 > 500,000 0 2,316 0.00 100.00 0.00 4,828.86 0.00 100.00 0 10 0.00 100.00 0.00 575.30 0.00 100.00 0.00 11.91

T O T A L 2,316 4,828.86 10 575.30 11.91T O T A L 2,316 4,828.86 10 575.30 11.91

Page 98 of 204




1 0 50 25 6,386 6,386 11.94 11.94 8,935.36 8,935.36 7.88 7.88 45 45 5.02 5.02 287.65 287.65 0.23 0.23 3.22 3.22

2 > 50 100 75 5,231 11,617 9.78 21.71 1,031.18 9,966.54 0.91 8.79 28 73 3.12 8.14 407.10 694.75 0.32 0.54 39.48 6.97

3 > 100 200 150 8,996 20,613 16.81 38.53 2,474.39 12,440.92 2.18 10.98 18 91 2.01 10.14 454.78 1,149.54 0.36 0.90 18.38 9.24

4 > 200 300 250 6,430 27,043 12.02 50.55 2,552.68 14,993.61 2.25 13.23 42 133 4.68 14.83 1,184.01 2,333.54 0.93 1.83 46.38 15.56

5 > 300 500 400 7,500 34,543 14.02 64.56 5,107.60 20,101.21 4.51 17.74 39 172 4.35 19.18 1,459.49 3,793.04 1.14 2.97 28.57 18.87

6 > 500 750 625 4,015 38,558 7.50 72.07 4,282.72 24,383.93 3.78 21.51 43 215 4.79 23.97 2,874.50 6,667.54 2.25 5.23 67.12 27.34

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

6 > 500 750 625 4,015 38,558 7.50 72.07 4,282.72 24,383.93 3.78 21.51 43 215 4.79 23.97 2,874.50 6,667.54 2.25 5.23 67.12 27.34

7 > 750 1,000 875 3,219 41,777 6.02 78.08 4,438.82 28,822.75 3.92 25.43 35 250 3.90 27.87 2,107.37 8,774.90 1.65 6.88 47.48 30.44

8 > 1,000 1,500 1,250 2,571 44,348 4.81 82.89 5,128.66 33,951.41 4.53 29.96 28 278 3.12 30.99 3,796.95 12,571.86 2.98 9.85 74.03 37.03

9 > 1,500 2,000 1,750 1,397 45,745 2.61 85.50 4,102.27 38,053.67 3.62 33.58 20 298 2.23 33.22 1,235.46 13,807.32 0.97 10.82 30.12 36.28

10 > 2,000 2,500 2,250 790 46,535 1.48 86.98 2,848.87 40,902.55 2.51 36.09 22 320 2.45 35.67 6,851.20 20,658.52 5.37 16.19 240.49 50.51

11 > 2,500 3,000 2,750 721 47,256 1.35 88.33 3,087.23 43,989.78 2.72 38.81 21 341 2.34 38.02 5,020.88 25,679.40 3.94 20.13 162.63 58.38

12 > 3,000 4,000 3,500 842 48,098 1.57 89.90 4,361.30 48,351.07 3.85 42.66 21 362 2.34 40.36 2,526.92 28,206.32 1.98 22.11 57.94 58.34

13 > 4,000 5,000 4,500 572 48,670 1.07 90.97 3,673.96 52,025.04 3.24 45.90 12 374 1.34 41.69 4,302.46 32,508.78 3.37 25.48 117.11 62.49

14 > 5,000 7,500 6,250 921 49,591 1.72 92.69 6,723.38 58,748.42 5.93 51.84 42 416 4.68 46.38 3,043.26 35,552.05 2.39 27.86 45.26 60.52

15 > 7,500 10,000 8,750 632 50,223 1.18 93.87 6,590.35 65,338.77 5.81 57.65 34 450 3.79 50.17 1,594.50 37,146.55 1.25 29.11 24.19 56.85

16 > 10,000 20,000 15,000 979 51,202 1.83 95.70 12,178.71 77,517.48 10.75 68.40 111 561 12.37 62.54 47,216.69 84,363.24 37.01 66.12 387.70 108.83

17 > 20,000 50,000 35,000 972 52,174 1.82 97.52 13,592.56 91,110.03 11.99 80.39 98 659 10.93 73.47 10,656.51 95,019.75 8.35 74.47 78.40 104.29

18 > 50,000 100,000 75,000 489 52,663 0.91 98.43 6,144.58 97,254.62 5.42 85.81 62 721 6.91 80.38 3,920.78 98,940.54 3.07 77.55 63.81 101.73

19 > 100,000 500,000 300,000 608 53,271 1.14 99.57 10,245.96 107,500.57 9.04 94.85 122 843 13.60 93.98 17,736.00 116,676.54 13.90 91.45 173.10 108.5419 > 100,000 500,000 300,000 608 53,271 1.14 99.57 10,245.96 107,500.57 9.04 94.85 122 843 13.60 93.98 17,736.00 116,676.54 13.90 91.45 173.10 108.54

20 > 500,000 231 53,502 0.43 100.00 5,836.11 113,336.68 5.15 100.00 54 897 6.02 100.00 10,910.91 127,587.44 8.55 100.00 186.96 112.57

T O T A L 53,502 113,336.68 897 127,587.44 112.57

Page 99 of 204





1 0 50 25 360 360 12.46 12.46 176.54 176.54 4.05 4.05 2 2 11.11 11.11 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 321 681 11.11 23.56 48.10 224.65 1.10 5.15 2 4 11.11 22.22 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 487 1,168 16.85 40.42 168.27 392.92 3.86 9.01 0 4 0.00 22.22 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 371 1,539 12.84 53.25 200.34 593.25 4.60 13.61 0 4 0.00 22.22 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 427 1,966 14.78 68.03 357.72 950.97 8.21 21.82 0 4 0.00 22.22 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 208 2,174 7.20 75.22 315.57 1,266.55 7.24 29.06 4 8 22.22 44.44 501.65 501.65 36.62 36.62 158.96 39.61

7 > 750 1,000 875 160 2,334 5.54 80.76 383.40 1,649.95 8.80 37.86 0 8 0.00 44.44 0.00 501.65 0.00 36.62 0.00 30.40

8 > 1,000 1,500 1,250 122 2,456 4.22 84.98 320.61 1,970.56 7.36 45.21 0 8 0.00 44.44 0.00 501.65 0.00 36.62 0.00 25.46

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f




RP f

8 > 1,000 1,500 1,250 122 2,456 4.22 84.98 320.61 1,970.56 7.36 45.21 0 8 0.00 44.44 0.00 501.65 0.00 36.62 0.00 25.46

9 > 1,500 2,000 1,750 81 2,537 2.80 87.79 247.12 2,217.69 5.67 50.88 0 8 0.00 44.44 0.00 501.65 0.00 36.62 0.00 22.62

10 > 2,000 2,500 2,250 60 2,597 2.08 89.86 190.45 2,408.14 4.37 55.25 0 8 0.00 44.44 0.00 501.65 0.00 36.62 0.00 20.83

11 > 2,500 3,000 2,750 34 2,631 1.18 91.04 158.94 2,567.08 3.65 58.90 0 8 0.00 44.44 0.00 501.65 0.00 36.62 0.00 19.54

12 > 3,000 4,000 3,500 45 2,676 1.56 92.60 258.79 2,825.87 5.94 64.84 0 8 0.00 44.44 0.00 501.65 0.00 36.62 0.00 17.75

13 > 4,000 5,000 4,500 26 2,702 0.90 93.49 158.69 2,984.55 3.64 68.48 0 8 0.00 44.44 0.00 501.65 0.00 36.62 0.00 16.81

14 > 5,000 7,500 6,250 44 2,746 1.52 95.02 298.28 3,282.83 6.84 75.32 0 8 0.00 44.44 0.00 501.65 0.00 36.62 0.00 15.28

15 > 7,500 10,000 8,750 32 2,778 1.11 96.12 231.35 3,514.18 5.31 80.63 2 10 11.11 55.56 455.69 957.34 33.27 69.89 196.97 27.24

16 > 10,000 20,000 15,000 27 2,805 0.93 97.06 146.93 3,661.11 3.37 84.00 0 10 0.00 55.56 0.00 957.34 0.00 69.89 0.00 26.15

17 > 20,000 50,000 35,000 34 2,839 1.18 98.24 379.94 4,041.06 8.72 92.72 0 10 0.00 55.56 0.00 957.34 0.00 69.89 0.00 23.69

18 > 50,000 100,000 75,000 21 2,860 0.73 98.96 143.63 4,184.68 3.30 96.01 5 15 27.78 83.33 400.37 1,357.71 29.23 99.12 278.75 32.44

19 > 100,000 500,000 300,000 17 2,877 0.59 99.55 110.78 4,295.46 2.54 98.55 2 17 11.11 94.44 12.05 1,369.76 0.88 100.00 10.88 31.89

20 > 500,000 13 2,890 0.45 100.00 63.05 4,358.51 1.45 100.00 1 18 5.56 100.00 0.00 1,369.76 0.00 100.00 0.00 31.43

T O T A L 2,890 4,358.51 18 1,369.76 31.43T O T A L 2,890 4,358.51 18 1,369.76 31.43

Page 100 of 204





1 0 50 25 282 282 10.99 10.99 201.44 201.44 5.02 5.02 2 2 16.67 16.67 6.53 6.53 2.00 2.00 3.24 3.24

2 > 50 100 75 311 593 12.12 23.10 119.48 320.92 2.98 8.00 0 2 0.00 16.67 0.00 6.53 0.00 2.00 0.00 2.03

3 > 100 200 150 519 1,112 20.22 43.32 214.56 535.49 5.35 13.35 2 4 16.67 33.33 2.84 9.37 0.87 2.87 1.32 1.75

4 > 200 300 250 377 1,489 14.69 58.01 198.52 734.00 4.95 18.30 0 4 0.00 33.33 0.00 9.37 0.00 2.87 0.00 1.28

5 > 300 500 400 384 1,873 14.96 72.96 294.27 1,028.28 7.34 25.64 0 4 0.00 33.33 0.00 9.37 0.00 2.87 0.00 0.91

6 > 500 750 625 197 2,070 7.67 80.64 313.11 1,341.39 7.81 33.45 3 7 25.00 58.33 8.42 17.78 2.58 5.45 2.69 1.33

7 > 750 1,000 875 123 2,193 4.79 85.43 300.13 1,641.51 7.48 40.94 0 7 0.00 58.33 0.00 17.78 0.00 5.45 0.00 1.08

8 > 1,000 1,500 1,250 106 2,299 4.13 89.56 332.98 1,974.50 8.30 49.24 0 7 0.00 58.33 0.00 17.78 0.00 5.45 0.00 0.90

fFMid Points PERCENTAGE PERCENTAGE


RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f


8 > 1,000 1,500 1,250 106 2,299 4.13 89.56 332.98 1,974.50 8.30 49.24 0 7 0.00 58.33 0.00 17.78 0.00 5.45 0.00 0.90

9 > 1,500 2,000 1,750 66 2,365 2.57 92.13 314.59 2,289.09 7.85 57.08 0 7 0.00 58.33 0.00 17.78 0.00 5.45 0.00 0.78

10 > 2,000 2,500 2,250 34 2,399 1.32 93.46 178.02 2,467.11 4.44 61.52 0 7 0.00 58.33 0.00 17.78 0.00 5.45 0.00 0.72

11 > 2,500 3,000 2,750 32 2,431 1.25 94.70 230.23 2,697.34 5.74 67.27 0 7 0.00 58.33 0.00 17.78 0.00 5.45 0.00 0.66

12 > 3,000 4,000 3,500 30 2,461 1.17 95.87 246.43 2,943.77 6.15 73.41 0 7 0.00 58.33 0.00 17.78 0.00 5.45 0.00 0.60

13 > 4,000 5,000 4,500 23 2,484 0.90 96.77 245.66 3,189.43 6.13 79.54 0 7 0.00 58.33 0.00 17.78 0.00 5.45 0.00 0.56

14 > 5,000 7,500 6,250 22 2,506 0.86 97.62 156.73 3,346.16 3.91 83.45 0 7 0.00 58.33 0.00 17.78 0.00 5.45 0.00 0.53

15 > 7,500 10,000 8,750 12 2,518 0.47 98.09 163.37 3,509.54 4.07 87.52 0 7 0.00 58.33 0.00 17.78 0.00 5.45 0.00 0.51

16 > 10,000 20,000 15,000 15 2,533 0.58 98.68 254.10 3,763.64 6.34 93.86 0 7 0.00 58.33 0.00 17.78 0.00 5.45 0.00 0.47

17 > 20,000 50,000 35,000 23 2,556 0.90 99.57 152.33 3,915.97 3.80 97.65 5 12 41.67 100.00 308.27 326.05 94.55 100.00 202.37 8.33

18 > 50,000 100,000 75,000 9 2,565 0.35 99.92 61.54 3,977.51 1.53 99.19 0 12 0.00 100.00 0.00 326.05 0.00 100.00 0.00 8.20

19 > 100,000 500,000 300,000 1 2,566 0.04 99.96 32.33 4,009.84 0.81 100.00 0 12 0.00 100.00 0.00 326.05 0.00 100.00 0.00 8.13

20 > 500,000 1 2,567 0.04 100.00 0.17 4,010.01 0.00 100.00 0 12 0.00 100.00 0.00 326.05 0.00 100.00 0.00 8.13

T O T A L 2,567 4,010.01 12 326.05 8.13

Page 101 of 204





1 0 50 25 1,760 1,760 10.27 10.27 2,462.64 2,462.64 8.83 8.83 7 7 3.47 3.47 53.66 53.66 0.30 0.30 2.18 2.18

2 > 50 100 75 1,954 3,714 11.40 21.67 349.39 2,812.03 1.25 10.09 3 10 1.49 4.95 77.77 131.43 0.44 0.74 22.26 4.67

3 > 100 200 150 3,618 7,332 21.11 42.78 968.70 3,780.73 3.47 13.56 19 29 9.41 14.36 339.38 470.82 1.91 2.64 35.04 12.45

4 > 200 300 250 2,421 9,753 14.13 56.91 1,522.46 5,303.19 5.46 19.02 17 46 8.42 22.77 980.90 1,451.72 5.51 8.15 64.43 27.37

5 > 300 500 400 2,823 12,576 16.47 73.38 2,894.28 8,197.47 10.38 29.40 14 60 6.93 29.70 876.55 2,328.27 4.92 13.07 30.29 28.40

6 > 500 750 625 1,323 13,899 7.72 81.10 2,054.11 10,251.57 7.37 36.77 13 73 6.44 36.14 480.99 2,809.25 2.70 15.77 23.42 27.40

7 > 750 1,000 875 798 14,697 4.66 85.75 1,700.49 11,952.07 6.10 42.87 10 83 4.95 41.09 1,001.51 3,810.77 5.62 21.39 58.90 31.88

RPBAND

rp


NUMBER OF POLICIES




RP f FPERCENTAGE

rpPERCENTAGE

8 > 1,000 1,500 1,250 626 15,323 3.65 89.40 1,737.85 13,689.91 6.23 49.10 12 95 5.94 47.03 221.57 4,032.33 1.24 22.63 12.75 29.45

9 > 1,500 2,000 1,750 343 15,666 2.00 91.41 1,178.10 14,868.01 4.23 53.33 6 101 2.97 50.00 247.98 4,280.32 1.39 24.03 21.05 28.79

10 > 2,000 2,500 2,250 209 15,875 1.22 92.63 904.62 15,772.63 3.24 56.57 0 101 0.00 50.00 0.00 4,280.32 0.00 24.03 0.00 27.14

11 > 2,500 3,000 2,750 156 16,031 0.91 93.54 754.04 16,526.67 2.70 59.27 0 101 0.00 50.00 0.00 4,280.32 0.00 24.03 0.00 25.90

12 > 3,000 4,000 3,500 167 16,198 0.97 94.51 928.43 17,455.10 3.33 62.60 4 105 1.98 51.98 28.45 4,308.77 0.16 24.19 3.06 24.68

13 > 4,000 5,000 4,500 117 16,315 0.68 95.19 822.34 18,277.44 2.95 65.55 0 105 0.00 51.98 0.00 4,308.77 0.00 24.19 0.00 23.57

14 > 5,000 7,500 6,250 167 16,482 0.97 96.17 1,160.02 19,437.45 4.16 69.71 5 110 2.48 54.46 96.34 4,405.11 0.54 24.73 8.31 22.66

15 > 7,500 10,000 8,750 73 16,555 0.43 96.59 757.53 20,194.98 2.72 72.43 4 114 1.98 56.44 76.67 4,481.78 0.43 25.16 10.12 22.19

16 > 10,000 20,000 15,000 170 16,725 0.99 97.58 2,114.51 22,309.49 7.58 80.01 4 118 1.98 58.42 39.93 4,521.71 0.22 25.38 1.89 20.27

17 > 20,000 50,000 35,000 188 16,913 1.10 98.68 2,638.36 24,947.84 9.46 89.48 12 130 5.94 64.36 5,598.66 10,120.37 31.43 56.81 212.20 40.57

18 > 50,000 100,000 75,000 75 16,988 0.44 99.12 1,013.17 25,961.02 3.63 93.11 15 145 7.43 71.78 4,831.11 14,951.48 27.12 83.93 476.83 57.59

19 > 100,000 500,000 300,000 110 17,098 0.64 99.76 1,271.39 27,232.40 4.56 97.67 50 195 24.75 96.53 2,747.10 17,698.58 15.42 99.35 216.07 64.99

20 > 500,000 41 17,139 0.24 100.00 649.39 27,881.79 2.33 100.00 7 202 3.47 100.00 116.12 17,814.69 0.65 100.00 17.88 63.89

T O T A L 17,139 27,881.79 202 17,814.69 63.89

Page 102 of 204




1 0 50 25 208,158 208,158 14.67 14.67 152,195.23 152,195.23 6.42 6.42 896 896 6.86 6.86 5,666.59 5,666.59 0.33 0.33 3.72 3.72

2 > 50 100 75 169,932 378,090 11.98 26.65 29,202.65 181,397.88 1.23 7.65 433 1,329 3.31 10.17 8,810.20 14,476.79 0.52 0.86 30.17 7.98

3 > 100 200 150 233,244 611,334 16.44 43.09 65,058.23 246,456.12 2.74 10.39 555 1,884 4.25 14.42 16,536.80 31,013.59 0.98 1.83 25.42 12.58

4 > 200 300 250 145,744 757,078 10.27 53.36 66,013.32 312,469.43 2.78 13.18 463 2,347 3.54 17.97 16,085.22 47,098.81 0.95 2.78 24.37 15.07


rp



f FMid Points

F


LOSS RATIO


rp RP

4 > 200 300 250 145,744 757,078 10.27 53.36 66,013.32 312,469.43 2.78 13.18 463 2,347 3.54 17.97 16,085.22 47,098.81 0.95 2.78 24.37 15.07

5 > 300 500 400 171,122 928,200 12.06 65.42 133,185.22 445,654.65 5.62 18.79 651 2,998 4.98 22.95 32,490.48 79,589.29 1.92 4.70 24.39 17.86

6 > 500 750 625 95,385 1,023,585 6.72 72.14 100,368.35 546,023.00 4.23 23.02 479 3,477 3.67 26.62 30,839.32 110,428.61 1.82 6.52 30.73 20.22

7 > 750 1,000 875 72,966 1,096,551 5.14 77.28 103,839.66 649,862.66 4.38 27.40 456 3,933 3.49 30.11 33,862.31 144,290.92 2.00 8.52 32.61 22.20

8 > 1,000 1,500 1,250 65,032 1,161,583 4.58 81.87 117,873.95 767,736.61 4.97 32.37 538 4,471 4.12 34.23 34,266.03 178,556.95 2.02 10.55 29.07 23.26

9 > 1,500 2,000 1,750 41,591 1,203,174 2.93 84.80 92,912.01 860,648.62 3.92 36.29 461 4,932 3.53 37.76 40,817.54 219,374.50 2.41 12.96 43.93 25.49

10 > 2,000 2,500 2,250 25,401 1,228,575 1.79 86.59 67,231.68 927,880.31 2.83 39.12 283 5,215 2.17 39.92 31,127.60 250,502.10 1.84 14.80 46.30 27.00

11 > 2,500 3,000 2,750 22,280 1,250,855 1.57 88.16 62,652.48 990,532.79 2.64 41.77 274 5,489 2.10 42.02 31,712.22 282,214.32 1.87 16.67 50.62 28.49

12 > 3,000 4,000 3,500 27,468 1,278,323 1.94 90.10 89,177.55 1,079,710.33 3.76 45.53 356 5,845 2.73 44.75 64,340.88 346,555.19 3.80 20.47 72.15 32.10

13 > 4,000 5,000 4,500 21,263 1,299,586 1.50 91.59 77,926.81 1,157,637.14 3.29 48.81 370 6,215 2.83 47.58 60,811.63 407,366.82 3.59 24.06 78.04 35.19

14 > 5,000 7,500 6,250 27,121 1,326,707 1.91 93.51 128,530.85 1,286,167.99 5.42 54.23 886 7,101 6.78 54.36 71,202.10 478,568.93 4.21 28.27 55.40 37.21

15 > 7,500 10,000 8,750 18,469 1,345,176 1.30 94.81 106,391.19 1,392,559.19 4.49 58.72 450 7,551 3.45 57.81 108,372.08 586,941.01 6.40 34.67 101.86 42.15

16 > 10,000 20,000 15,000 27,350 1,372,526 1.93 96.73 251,412.22 1,643,971.41 10.60 69.32 886 8,437 6.78 64.59 161,572.90 748,513.91 9.54 44.21 64.27 45.53

17 > 20,000 50,000 35,000 21,367 1,393,893 1.51 98.24 243,105.82 1,887,077.23 10.25 79.57 1,063 9,500 8.14 72.73 206,029.07 954,542.97 12.17 56.38 84.75 50.58

18 > 50,000 100,000 75,000 9,788 1,403,681 0.69 98.93 135,350.32 2,022,427.55 5.71 85.28 847 10,347 6.48 79.21 213,267.19 1,167,810.16 12.60 68.98 157.57 57.74

19 > 100,000 500,000 300,000 11,123 1,414,804 0.78 99.71 209,673.77 2,232,101.32 8.84 94.12 1,654 12,001 12.66 91.88 217,679.28 1,385,489.44 12.86 81.84 103.82 62.07

20 > 500,000 4,056 1,418,860 0.29 100.00 139,501.78 2,371,603.11 5.88 100.00 1,061 13,062 8.12 100.00 307,435.64 1,692,925.09 18.16 100.00 220.38 71.38

T O T A L 1,418,860 2,371,603.09 13,062 1,692,925.08 71.38

Page 103 of 204




1 0 50 25 163,189 163,189 15.11 15.11 77,756.09 77,756.09 6.83 6.83 316 316 6.54 6.54 2,437.68 2,437.68 0.44 0.44 3.14 3.14

2 > 50 100 75 147,934 311,123 13.69 28.80 23,806.27 101,562.36 2.09 8.92 213 529 4.41 10.95 5,315.46 7,753.14 0.97 1.41 22.33 7.63

3 > 100 200 150 205,948 517,071 19.07 47.87 55,231.56 156,793.92 4.85 13.78 305 834 6.31 17.26 11,249.79 19,002.93 2.04 3.45 20.37 12.12

4 > 200 300 250 125,257 642,328 11.60 59.46 56,455.49 213,249.41 4.96 18.74 233 1,067 4.82 22.08 10,511.30 29,514.23 1.91 5.36 18.62 13.84




rp RPBAND

rp

SUM INSURED(in million) Mid Points

ORIGINAL PREMIUM (in million Rupiah) CLAIM SEVERITY (in million Rupiah)CLAIM FREQUENCYPERCENTAGE

f F

NUMBER OF POLICIES

5 > 300 500 400 138,240 780,568 12.80 72.26 111,021.38 324,270.79 9.75 28.49 295 1,362 6.10 28.18 17,688.21 47,202.44 3.21 8.57 15.93 14.56

6 > 500 750 625 71,831 852,399 6.65 78.91 79,876.28 404,147.07 7.02 35.51 220 1,582 4.55 32.73 18,048.25 65,250.69 3.28 11.85 22.60 16.15

7 > 750 1,000 875 50,705 903,104 4.69 83.60 74,926.11 479,073.18 6.58 42.09 174 1,756 3.60 36.33 18,986.01 84,236.70 3.45 15.30 25.34 17.58

8 > 1,000 1,500 1,250 42,255 945,359 3.91 87.51 79,780.19 558,853.37 7.01 49.10 189 1,945 3.91 40.24 16,593.33 100,830.04 3.01 18.32 20.80 18.04

9 > 1,500 2,000 1,750 25,975 971,334 2.40 89.92 58,853.93 617,707.30 5.17 54.28 184 2,129 3.81 44.05 23,190.24 124,020.28 4.21 22.53 39.40 20.08

10 > 2,000 2,500 2,250 15,283 986,617 1.41 91.33 40,458.86 658,166.17 3.55 57.83 110 2,239 2.28 46.33 18,787.94 142,808.22 3.41 25.94 46.44 21.70

11 > 2,500 3,000 2,750 13,713 1,000,330 1.27 92.60 36,088.34 694,254.50 3.17 61.00 94 2,333 1.94 48.27 8,338.66 151,146.88 1.51 27.46 23.11 21.77

12 > 3,000 4,000 3,500 16,174 1,016,504 1.50 94.10 47,482.09 741,736.59 4.17 65.17 157 2,490 3.25 51.52 39,516.96 190,663.84 7.18 34.64 83.22 25.71

13 > 4,000 5,000 4,500 12,308 1,028,812 1.14 95.24 39,597.24 781,333.83 3.48 68.65 154 2,644 3.19 54.71 35,100.13 225,763.97 6.38 41.01 88.64 28.89

14 > 5,000 7,500 6,250 14,738 1,043,550 1.36 96.60 63,639.36 844,973.19 5.59 74.24 512 3,156 10.59 65.30 25,669.79 251,433.77 4.66 45.68 40.34 29.76

15 > 7,500 10,000 8,750 9,728 1,053,278 0.90 97.50 46,688.39 891,661.59 4.10 78.35 170 3,326 3.52 68.82 51,645.52 303,079.28 9.38 55.06 110.62 33.99

16 > 10,000 20,000 15,000 12,295 1,065,573 1.14 98.64 84,597.35 976,258.93 7.43 85.78 239 3,565 4.95 73.76 55,104.79 358,184.07 10.01 65.07 65.14 36.69

17 > 20,000 50,000 35,000 7,949 1,073,522 0.74 99.38 72,061.26 1,048,320.19 6.33 92.11 381 3,946 7.88 81.65 66,969.36 425,153.43 12.17 77.23 92.93 40.5617 > 20,000 50,000 35,000 7,949 1,073,522 0.74 99.38 72,061.26 1,048,320.19 6.33 92.11 381 3,946 7.88 81.65 66,969.36 425,153.43 12.17 77.23 92.93 40.56

18 > 50,000 100,000 75,000 2,855 1,076,377 0.26 99.64 31,826.92 1,080,147.11 2.80 94.91 224 4,170 4.63 86.28 59,452.53 484,605.96 10.80 88.03 186.80 44.86

19 > 100,000 500,000 300,000 2,842 1,079,219 0.26 99.91 45,126.34 1,125,273.46 3.97 98.87 385 4,555 7.97 94.25 26,890.24 511,496.20 4.88 92.92 59.59 45.46

20 > 500,000 1,012 1,080,231 0.09 100.00 12,825.87 1,138,099.32 1.13 100.00 278 4,833 5.75 100.00 38,978.08 550,474.29 7.08 100.00 303.90 48.37

T O T A L 1,080,231 1,138,099.32 4,833 550,474.29 48.37

Page 104 of 204




1 0 50 25 25,308 25,308 13.03 13.03 33,388.43 33,388.43 5.41 5.41 578 578 7.19 7.19 3,222.82 3,222.82 0.28 0.28 9.65 9.65

2 > 50 100 75 10,536 35,844 5.42 18.46 3,507.16 36,895.59 0.57 5.97 218 796 2.71 9.90 3,490.94 6,713.76 0.31 0.59 99.54 18.20

3 > 100 200 150 12,890 48,734 6.64 25.09 5,291.20 42,186.79 0.86 6.83 248 1,044 3.08 12.98 5,282.20 11,995.96 0.46 1.06 99.83 28.44

4 > 200 300 250 10,561 59,295 5.44 30.53 5,365.99 47,552.78 0.87 7.70 222 1,266 2.76 15.74 5,523.60 17,519.56 0.49 1.54 102.94 36.84

5 > 300 500 400 18,958 78,253 9.76 40.29 13,000.13 60,552.91 2.10 9.80 314 1,580 3.90 19.64 14,710.52 32,230.08 1.29 2.84 113.16 53.23

LOSS RATIO



PERCENTAGEf F



RPrpBAND



f F

5 > 300 500 400 18,958 78,253 9.76 40.29 13,000.13 60,552.91 2.10 9.80 314 1,580 3.90 19.64 14,710.52 32,230.08 1.29 2.84 113.16 53.23

6 > 500 750 625 14,142 92,395 7.28 47.57 11,751.25 72,304.16 1.90 11.71 248 1,828 3.08 22.73 12,658.65 44,888.72 1.11 3.95 107.72 62.08

7 > 750 1,000 875 14,004 106,399 7.21 54.78 18,894.74 91,198.90 3.06 14.77 278 2,106 3.46 26.18 14,806.78 59,695.51 1.30 5.26 78.36 65.46

8 > 1,000 1,500 1,250 14,540 120,939 7.49 62.27 24,486.58 115,685.48 3.96 18.73 342 2,448 4.25 30.44 17,547.44 77,242.94 1.54 6.80 71.66 66.77

9 > 1,500 2,000 1,750 9,872 130,811 5.08 67.35 21,573.16 137,258.64 3.49 22.22 269 2,717 3.34 33.78 17,447.63 94,690.57 1.54 8.34 80.88 68.99

10 > 2,000 2,500 2,250 6,359 137,170 3.27 70.63 16,705.28 153,963.92 2.70 24.93 169 2,886 2.10 35.88 12,175.44 106,866.01 1.07 9.41 72.88 69.41

11 > 2,500 3,000 2,750 5,362 142,532 2.76 73.39 16,575.13 170,539.05 2.68 27.61 165 3,051 2.05 37.93 22,757.04 129,623.05 2.00 11.41 137.30 76.01

12 > 3,000 4,000 3,500 6,976 149,508 3.59 76.98 24,682.42 195,221.46 4.00 31.61 191 3,242 2.37 40.31 24,725.13 154,348.19 2.18 13.59 100.17 79.06

13 > 4,000 5,000 4,500 5,305 154,813 2.73 79.71 22,168.84 217,390.30 3.59 35.20 214 3,456 2.66 42.97 25,644.14 179,992.33 2.26 15.84 115.68 82.80

14 > 5,000 7,500 6,250 7,452 162,265 3.84 83.55 36,410.43 253,800.73 5.89 41.09 354 3,810 4.40 47.37 45,193.34 225,185.67 3.98 19.82 124.12 88.73

15 > 7,500 10,000 8,750 5,030 167,295 2.59 86.14 33,859.95 287,660.68 5.48 46.57 277 4,087 3.44 50.81 56,726.57 281,912.24 4.99 24.82 167.53 98.00

16 > 10,000 20,000 15,000 8,748 176,043 4.50 90.64 76,750.48 364,411.16 12.43 59.00 643 4,730 7.99 58.81 106,466.07 388,378.31 9.37 34.19 138.72 106.58

17 > 20,000 50,000 35,000 7,689 183,732 3.96 94.60 84,693.20 449,104.36 13.71 72.71 650 5,380 8.08 66.89 138,445.01 526,823.32 12.19 46.38 163.47 117.3117 > 20,000 50,000 35,000 7,689 183,732 3.96 94.60 84,693.20 449,104.36 13.71 72.71 650 5,380 8.08 66.89 138,445.01 526,823.32 12.19 46.38 163.47 117.31

18 > 50,000 100,000 75,000 4,011 187,743 2.07 96.67 48,537.05 497,641.41 7.86 80.57 618 5,998 7.68 74.57 153,707.39 680,530.71 13.53 59.91 316.68 136.75

19 > 100,000 500,000 300,000 4,632 192,375 2.38 99.05 60,196.72 557,838.13 9.75 90.32 1,267 7,265 15.75 90.33 190,769.85 871,300.57 16.79 76.70 316.91 156.19

20 > 500,000 1,841 194,216 0.95 100.00 59,818.55 617,656.68 9.68 100.00 778 8,043 9.67 100.00 264,657.38 1,135,957.94 23.30 100.00 442.43 183.91

T O T A L 194,216 617,656.68 8,043 1,135,957.94 183.91

Page 105 of 204





1 0 50 25 7 7 4.73 4.73 0.57 0.57 0.20 0.20 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 1 8 0.68 5.41 0.28 0.85 0.10 0.30 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 3 11 2.03 7.43 0.51 1.35 0.18 0.48 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 1 12 0.68 8.11 0.01 1.36 0.00 0.48 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 35 47 23.65 31.76 11.74 13.10 4.16 4.65 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 6 53 4.05 35.81 2.56 15.66 0.91 5.55 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 3 56 2.03 37.84 1.83 17.49 0.65 6.20 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 12 68 8.11 45.95 10.47 27.95 3.71 9.91 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGErp RP


F

ORIGINAL PREMIUM (in million Rupiah) CLAIM FREQUENCYPERCENTAGE PERCENTAGEMid PointsBAND



rp

NUMBER OF POLICIES

f

LOSS RATIO

RP f

8 > 1,000 1,500 1,250 12 68 8.11 45.95 10.47 27.95 3.71 9.91 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 4 72 2.70 48.65 3.45 31.40 1.22 11.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 7 79 4.73 53.38 7.03 38.43 2.49 13.63 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 5 84 3.38 56.76 6.38 44.82 2.26 15.90 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 > 3,000 4,000 3,500 5 89 3.38 60.14 9.37 54.18 3.32 19.22 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 > 4,000 5,000 4,500 1 90 0.68 60.81 6.07 60.25 2.15 21.37 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 > 5,000 7,500 6,250 11 101 7.43 68.24 18.61 78.86 6.60 27.97 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 > 7,500 10,000 8,750 20 121 13.51 81.76 112.53 191.39 39.91 67.88 1 1 50.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00

16 > 10,000 20,000 15,000 5 126 3.38 85.14 9.30 200.69 3.30 71.18 0 1 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00

17 > 20,000 50,000 35,000 9 135 6.08 91.22 43.61 244.30 15.47 86.65 1 2 50.00 100.00 0.00 0.00 0.00 0.00 0.00 0.00

18 > 50,000 100,000 75,000 6 141 4.05 95.27 17.35 261.65 6.15 92.80 0 2 0.00 100.00 0.00 0.00 0.00 0.00 0.00 0.00

19 > 100,000 500,000 300,000 3 144 2.03 97.30 7.47 269.12 2.65 95.45 0 2 0.00 100.00 0.00 0.00 0.00 0.00 0.00 0.00

20 > 500,000 4 148 2.70 100.00 12.83 281.95 4.55 100.00 0 2 0.00 100.00 0.00 0.00 0.00 0.00 0.00 0.00

T O T A L 148 281.95 2 0.00 0.00T O T A L 148 281.95 2 0.00 0.00

Page 106 of 204





1 0 50 25 19,654 19,654 13.62 13.62 41,050.13 41,050.13 6.67 6.67 2 2 1.09 1.09 6.08 6.08 0.09 0.09 0.01 0.01

2 > 50 100 75 11,462 31,116 7.95 21.57 1,889.22 42,939.36 0.31 6.98 2 4 1.09 2.17 3.80 9.88 0.06 0.15 0.20 0.02

3 > 100 200 150 14,402 45,518 9.98 31.55 4,534.69 47,474.05 0.74 7.71 2 6 1.09 3.26 4.82 14.70 0.07 0.23 0.11 0.03

4 > 200 300 250 9,926 55,444 6.88 38.43 4,191.83 51,665.88 0.68 8.39 8 14 4.35 7.61 50.32 65.02 0.77 1.00 1.20 0.13

5 > 300 500 400 13,888 69,332 9.63 48.06 9,151.96 60,817.85 1.49 9.88 42 56 22.83 30.43 91.76 156.77 1.41 2.41 1.00 0.26

6 > 500 750 625 9,406 78,738 6.52 54.58 8,738.25 69,556.10 1.42 11.30 11 67 5.98 36.41 132.43 289.20 2.04 4.45 1.52 0.42

7 > 750 1,000 875 8,254 86,992 5.72 60.30 10,016.98 79,573.09 1.63 12.93 4 71 2.17 38.59 69.51 358.71 1.07 5.52 0.69 0.45


rp




LOSS RATIO


rp RP

7 > 750 1,000 875 8,254 86,992 5.72 60.30 10,016.98 79,573.09 1.63 12.93 4 71 2.17 38.59 69.51 358.71 1.07 5.52 0.69 0.45

8 > 1,000 1,500 1,250 8,225 95,217 5.70 66.00 13,596.72 93,169.80 2.21 15.14 7 78 3.80 42.39 125.26 483.98 1.93 7.45 0.92 0.52

9 > 1,500 2,000 1,750 5,740 100,957 3.98 69.98 12,481.47 105,651.28 2.03 17.16 8 86 4.35 46.74 179.67 663.65 2.77 10.22 1.44 0.63

10 > 2,000 2,500 2,250 3,752 104,709 2.60 72.58 10,060.51 115,711.79 1.63 18.80 4 90 2.17 48.91 164.22 827.87 2.53 12.75 1.63 0.72

11 > 2,500 3,000 2,750 3,200 107,909 2.22 74.80 9,982.63 125,694.42 1.62 20.42 15 105 8.15 57.07 616.51 1,444.38 9.50 22.25 6.18 1.15

12 > 3,000 4,000 3,500 4,313 112,222 2.99 77.79 17,003.67 142,698.09 2.76 23.18 8 113 4.35 61.41 98.79 1,543.17 1.52 23.77 0.58 1.08

13 > 4,000 5,000 4,500 3,649 115,871 2.53 80.32 16,154.67 158,852.77 2.62 25.81 2 115 1.09 62.50 67.35 1,610.52 1.04 24.80 0.42 1.01

14 > 5,000 7,500 6,250 4,920 120,791 3.41 83.73 28,462.45 187,315.21 4.62 30.43 20 135 10.87 73.37 338.97 1,949.49 5.22 30.03 1.19 1.04

15 > 7,500 10,000 8,750 3,691 124,482 2.56 86.29 25,730.32 213,045.53 4.18 34.61 2 137 1.09 74.46 0.00 1,949.49 0.00 30.03 0.00 0.92

16 > 10,000 20,000 15,000 6,302 130,784 4.37 90.66 90,055.09 303,100.63 14.63 49.24 4 141 2.17 76.63 2.04 1,951.52 0.03 30.06 0.00 0.64

17 > 20,000 50,000 35,000 5,720 136,504 3.96 94.62 86,307.76 389,408.38 14.02 63.26 31 172 16.85 93.48 614.70 2,566.22 9.47 39.52 0.71 0.66

18 > 50,000 100,000 75,000 2,916 139,420 2.02 96.64 54,969.00 444,377.38 8.93 72.19 5 177 2.72 96.20 107.26 2,673.49 1.65 41.18 0.20 0.60

19 > 100,000 500,000 300,000 3,646 143,066 2.53 99.17 104,343.24 548,720.62 16.95 89.14 2 179 1.09 97.28 19.18 2,692.67 0.30 41.47 0.02 0.49

20 > 500,000 1,199 144,265 0.83 100.00 66,844.53 615,565.15 10.86 100.00 5 184 2.72 100.00 3,800.19 6,492.86 58.53 100.00 5.69 1.0520 > 500,000 1,199 144,265 0.83 100.00 66,844.53 615,565.15 10.86 100.00 5 184 2.72 100.00 3,800.19 6,492.86 58.53 100.00 5.69 1.05

T O T A L 144,265 615,565.15 184 6,492.86 1.05

Page 107 of 204





1 0 50 25 293 293 12.46 12.46 1,846.36 1,846.36 8.82 8.82 5 5 5.05 5.05 41.98 41.98 0.13 0.13 2.27 2.27

2 > 50 100 75 36 329 1.53 13.99 41.30 1,887.66 0.20 9.02 0 5 0.00 5.05 0.00 41.98 0.00 0.13 0.00 2.22

3 > 100 200 150 74 403 3.15 17.14 44.93 1,932.59 0.21 9.23 2 7 2.02 7.07 158.55 200.53 0.49 0.62 352.85 10.38

4 > 200 300 250 46 449 1.96 19.10 88.41 2,021.00 0.42 9.66 11 18 11.11 18.18 239.07 439.60 0.74 1.36 270.42 21.75

5 > 300 500 400 89 538 3.79 22.88 67.94 2,088.95 0.32 9.98 2 20 2.02 20.20 11.50 451.10 0.04 1.39 16.92 21.59


NUMBER OF POLICIES


rp RPBAND

rp


LOSS RATIO

RP f FPERCENTAGE

5 > 300 500 400 89 538 3.79 22.88 67.94 2,088.95 0.32 9.98 2 20 2.02 20.20 11.50 451.10 0.04 1.39 16.92 21.59

6 > 500 750 625 69 607 2.93 25.82 162.74 2,251.69 0.78 10.76 0 20 0.00 20.20 0.00 451.10 0.00 1.39 0.00 20.03

7 > 750 1,000 875 62 669 2.64 28.46 78.86 2,330.55 0.38 11.14 0 20 0.00 20.20 0.00 451.10 0.00 1.39 0.00 19.36

8 > 1,000 1,500 1,250 108 777 4.59 33.05 193.70 2,524.26 0.93 12.06 0 20 0.00 20.20 0.00 451.10 0.00 1.39 0.00 17.87

9 > 1,500 2,000 1,750 78 855 3.32 36.37 240.70 2,764.96 1.15 13.21 0 20 0.00 20.20 0.00 451.10 0.00 1.39 0.00 16.31

10 > 2,000 2,500 2,250 77 932 3.28 39.64 190.77 2,955.73 0.91 14.12 0 20 0.00 20.20 0.00 451.10 0.00 1.39 0.00 15.26

11 > 2,500 3,000 2,750 41 973 1.74 41.39 154.39 3,110.12 0.74 14.86 0 20 0.00 20.20 0.00 451.10 0.00 1.39 0.00 14.50

12 > 3,000 4,000 3,500 89 1,062 3.79 45.17 334.12 3,444.24 1.60 16.46 2 22 2.02 22.22 8.73 459.83 0.03 1.42 2.61 13.35

13 > 4,000 5,000 4,500 44 1,106 1.87 47.04 264.80 3,709.03 1.27 17.72 0 22 0.00 22.22 0.00 459.83 0.00 1.42 0.00 12.40

14 > 5,000 7,500 6,250 125 1,231 5.32 52.36 757.17 4,466.21 3.62 21.34 0 22 0.00 22.22 0.00 459.83 0.00 1.42 0.00 10.30

15 > 7,500 10,000 8,750 73 1,304 3.11 55.47 535.65 5,001.86 2.56 23.90 18 40 18.18 40.40 16,098.51 16,558.34 49.69 51.10 3,005,42 331.04

16 > 10,000 20,000 15,000 214 1,518 9.10 64.57 1,984.18 6,986.04 9.48 33.38 9 49 9.09 49.49 1,724.97 18,283.31 5.32 56.43 86.94 261.71

17 > 20,000 50,000 35,000 243 1,761 10.34 74.90 2,995.00 9,981.04 14.31 47.69 10 59 10.10 59.60 307.79 18,591.11 0.95 57.38 10.28 186.26

18 > 50,000 100,000 75,000 144 1,905 6.13 81.03 1,765.10 11,746.14 8.43 56.13 13 72 13.13 72.73 2,119.12 20,710.23 6.54 63.92 120.06 176.3218 > 50,000 100,000 75,000 144 1,905 6.13 81.03 1,765.10 11,746.14 8.43 56.13 13 72 13.13 72.73 2,119.12 20,710.23 6.54 63.92 120.06 176.32

19 > 100,000 500,000 300,000 287 2,192 12.21 93.24 4,481.09 16,227.23 21.41 77.54 15 87 15.15 87.88 113.41 20,823.64 0.35 64.27 2.53 128.33

20 > 500,000 159 2,351 6.76 100.00 4,700.00 20,927.23 22.46 100.00 12 99 12.12 100.00 11,577.08 32,400.72 35.73 100.00 246.32 154.83

T O T A L 2,351 20,927.23 99 32,400.72 154.83

Page 108 of 204





1 0 50 25 680 680 19.49 19.49 1,391.29 1,391.29 6.20 6.20 10 10 5.41 5.41 82.31 82.31 0.30 0.30 5.92 5.92

2 > 50 100 75 106 786 3.04 22.53 101.16 1,492.45 0.45 6.65 8 18 4.32 9.73 73.08 155.38 0.27 0.57 72.24 10.41

3 > 100 200 150 136 922 3.90 26.43 73.08 1,565.53 0.33 6.98 3 21 1.62 11.35 118.16 273.54 0.43 1.00 161.68 17.47

4 > 200 300 250 113 1,035 3.24 29.66 40.72 1,606.25 0.18 7.16 0 21 0.00 11.35 0.00 273.54 0.00 1.00 0.00 17.03

5 > 300 500 400 166 1,201 4.76 34.42 125.25 1,731.50 0.56 7.72 2 23 1.08 12.43 4.00 277.54 0.01 1.01 3.19 16.03

Mid Points PERCENTAGE PERCENTAGEORIGINAL PREMIUM (in million Rupiah) LOSS RATIO


rp RP


rp


NUMBER OF POLICIES

f F

5 > 300 500 400 166 1,201 4.76 34.42 125.25 1,731.50 0.56 7.72 2 23 1.08 12.43 4.00 277.54 0.01 1.01 3.19 16.03

6 > 500 750 625 123 1,324 3.53 37.95 128.86 1,860.36 0.57 8.29 2 25 1.08 13.51 734.85 1,012.39 2.68 3.69 570.28 54.42

7 > 750 1,000 875 98 1,422 2.81 40.76 135.34 1,995.70 0.60 8.90 0 25 0.00 13.51 0.00 1,012.39 0.00 3.69 0.00 50.73

8 > 1,000 1,500 1,250 213 1,635 6.10 46.86 338.16 2,333.86 1.51 10.40 0 25 0.00 13.51 0.00 1,012.39 0.00 3.69 0.00 43.38

9 > 1,500 2,000 1,750 120 1,755 3.44 50.30 246.84 2,580.70 1.10 11.50 0 25 0.00 13.51 0.00 1,012.39 0.00 3.69 0.00 39.23

10 > 2,000 2,500 2,250 101 1,856 2.89 53.20 288.57 2,869.27 1.29 12.79 2 27 1.08 14.59 5.01 1,017.40 0.02 3.71 1.74 35.46

11 > 2,500 3,000 2,750 81 1,937 2.32 55.52 274.33 3,143.60 1.22 14.01 8 35 4.32 18.92 120.65 1,138.05 0.44 4.15 43.98 36.20

12 > 3,000 4,000 3,500 129 2,066 3.70 59.21 466.99 3,610.59 2.08 16.10 2 37 1.08 20.00 3,971.73 5,109.78 14.48 18.63 850.50 141.52

13 > 4,000 5,000 4,500 120 2,186 3.44 62.65 482.03 4,092.62 2.15 18.24 5 42 2.70 22.70 4,084.12 9,193.90 14.89 33.52 847.28 224.65

14 > 5,000 7,500 6,250 153 2,339 4.39 67.04 864.14 4,956.76 3.85 22.10 6 48 3.24 25.95 145.59 9,339.49 0.53 34.05 16.85 188.42

15 > 7,500 10,000 8,750 113 2,452 3.24 70.28 662.91 5,619.66 2.96 25.05 20 68 10.81 36.76 1,312.61 10,652.10 4.79 38.84 198.01 189.55

16 > 10,000 20,000 15,000 229 2,681 6.56 76.84 2,077.74 7,697.40 9.26 34.31 13 81 7.03 43.78 943.20 11,595.30 3.44 42.28 45.40 150.64

17 > 20,000 50,000 35,000 262 2,943 7.51 84.35 3,188.15 10,885.55 14.21 48.53 17 98 9.19 52.97 245.81 11,841.11 0.90 43.17 7.71 108.78

18 > 50,000 100,000 75,000 166 3,109 4.76 89.11 1,912.28 12,797.83 8.52 57.05 2 100 1.08 54.05 22.62 11,863.74 0.08 43.26 1.18 92.7018 > 50,000 100,000 75,000 166 3,109 4.76 89.11 1,912.28 12,797.83 8.52 57.05 2 100 1.08 54.05 22.62 11,863.74 0.08 43.26 1.18 92.70

19 > 100,000 500,000 300,000 264 3,373 7.57 96.68 3,458.18 16,256.01 15.42 72.47 55 155 29.73 83.78 9,867.21 21,730.95 35.98 79.23 285.33 133.68

20 > 500,000 116 3,489 3.32 100.00 6,176.21 22,432.22 27.53 100.00 30 185 16.22 100.00 5,695.33 27,426.28 20.77 100.00 92.21 122.26

T O T A L 3,489 22,432.22 185 27,426.28 122.26

Page 109 of 204



Metals (Logam)


1 0 50 25 1,390 1,390 10.64 10.64 3,524.19 3,524.19 5.13 5.13 4 4 0.66 0.66 6.38 6.38 0.00 0.00 0.18 0.18

2 > 50 100 75 317 1,707 2.43 13.06 179.50 3,703.69 0.26 5.39 5 9 0.82 1.48 87.89 94.26 0.06 0.06 48.96 2.55

3 > 100 200 150 566 2,273 4.33 17.39 254.00 3,957.69 0.37 5.76 12 21 1.97 3.45 377.05 471.31 0.26 0.32 148.44 11.91

4 > 200 300 250 412 2,685 3.15 20.54 393.02 4,350.71 0.57 6.33 11 32 1.81 5.25 116.87 588.19 0.08 0.40 29.74 13.52

BANDLOSS RATIO

FPERCENTAGE


fPERCENTAGE


RPrp



f FMid Points

4 > 200 300 250 412 2,685 3.15 20.54 393.02 4,350.71 0.57 6.33 11 32 1.81 5.25 116.87 588.19 0.08 0.40 29.74 13.52

5 > 300 500 400 648 3,333 4.96 25.50 785.26 5,135.97 1.14 7.47 6 38 0.99 6.24 95.39 683.58 0.07 0.47 12.15 13.31

6 > 500 750 625 598 3,931 4.58 30.08 635.28 5,771.25 0.92 8.39 10 48 1.64 7.88 1,234.22 1,917.80 0.85 1.32 194.28 33.23

7 > 750 1,000 875 602 4,533 4.61 34.68 876.59 6,647.84 1.27 9.67 19 67 3.12 11.00 2,152.16 4,069.96 1.48 2.80 245.51 61.22

8 > 1,000 1,500 1,250 789 5,322 6.04 40.72 1,401.63 8,049.46 2.04 11.71 4 71 0.66 11.66 10.72 4,080.68 0.01 2.81 0.76 50.70

9 > 1,500 2,000 1,750 601 5,923 4.60 45.32 1,360.63 9,410.09 1.98 13.69 12 83 1.97 13.63 1,136.11 5,216.79 0.78 3.59 83.50 55.44

10 > 2,000 2,500 2,250 467 6,390 3.57 48.89 1,203.39 10,613.49 1.75 15.44 11 94 1.81 15.44 1,853.81 7,070.59 1.27 4.86 154.05 66.62

11 > 2,500 3,000 2,750 363 6,753 2.78 51.67 1,235.48 11,848.97 1.80 17.23 0 94 0.00 15.44 0.00 7,070.59 0.00 4.86 0.00 59.67

12 > 3,000 4,000 3,500 551 7,304 4.22 55.88 2,285.41 14,134.38 3.32 20.56 8 102 1.31 16.75 569.66 7,640.26 0.39 5.25 24.93 54.05

13 > 4,000 5,000 4,500 428 7,732 3.27 59.16 1,926.28 16,060.66 2.80 23.36 5 107 0.82 17.57 137.41 7,777.66 0.09 5.35 7.13 48.43

14 > 5,000 7,500 6,250 703 8,435 5.38 64.54 4,025.39 20,086.06 5.85 29.21 27 134 4.43 22.00 224.44 8,002.10 0.15 5.50 5.58 39.84

15 > 7,500 10,000 8,750 535 8,970 4.09 68.63 3,748.91 23,834.97 5.45 34.67 20 154 3.28 25.29 14,849.47 22,851.57 10.21 15.71 396.10 95.87

16 > 10,000 20,000 15,000 994 9,964 7.61 76.24 8,901.78 32,736.75 12.95 47.61 55 209 9.03 34.32 9,833.58 32,685.16 6.76 22.48 110.47 99.84

17 > 20,000 50,000 35,000 1,138 11,102 8.71 84.94 12,939.95 45,676.70 18.82 66.43 44 253 7.22 41.54 7,733.33 40,418.49 5.32 27.80 59.76 88.4917 > 20,000 50,000 35,000 1,138 11,102 8.71 84.94 12,939.95 45,676.70 18.82 66.43 44 253 7.22 41.54 7,733.33 40,418.49 5.32 27.80 59.76 88.49

18 > 50,000 100,000 75,000 633 11,735 4.84 89.79 8,020.29 53,696.99 11.66 78.10 52 305 8.54 50.08 7,443.78 47,862.27 5.12 32.91 92.81 89.13

19 > 100,000 500,000 300,000 990 12,725 7.57 97.36 12,488.34 66,185.33 18.16 96.26 178 483 29.23 79.31 70,342.83 118,205.09 48.37 81.29 563.27 178.60

20 > 500,000 345 13,070 2.64 100.00 2,572.07 68,757.39 3.74 100.00 126 609 20.69 100.00 27,208.55 145,413.64 18.71 100.00 1,057,85 211.49

T O T A L 13,070 68,757.39 609 145,413.64 211.49

Page 110 of 204





1 0 50 25 1,574 1,574 9.09 9.09 8,572.84 8,572.84 6.10 6.10 35 35 4.69 4.69 310.46 310.46 0.19 0.19 3.62 3.62

2 > 50 100 75 290 1,864 1.67 10.76 252.82 8,825.65 0.18 6.28 5 40 0.67 5.36 147.28 457.74 0.09 0.28 58.26 5.19

3 > 100 200 150 461 2,325 2.66 13.42 677.44 9,503.09 0.48 6.76 6 46 0.80 6.17 124.69 582.43 0.08 0.36 18.41 6.13

4 > 200 300 250 399 2,724 2.30 15.73 503.14 10,006.23 0.36 7.12 18 64 2.41 8.58 303.31 885.74 0.18 0.54 60.28 8.85



rp RP


SUM INSURED(in million)BAND

rp


f FMid Points

NUMBER OF POLICIES

5 > 300 500 400 808 3,532 4.67 20.39 1,083.74 11,089.97 0.77 7.89 7 71 0.94 9.52 632.28 1,518.02 0.39 0.93 58.34 13.69

6 > 500 750 625 739 4,271 4.27 24.66 1,431.52 12,521.49 1.02 8.91 18 89 2.41 11.93 2,548.85 4,066.87 1.55 2.48 178.05 32.48

7 > 750 1,000 875 796 5,067 4.60 29.26 1,785.90 14,307.38 1.27 10.18 20 109 2.68 14.61 2,171.89 6,238.76 1.32 3.80 121.61 43.61

8 > 1,000 1,500 1,250 1,038 6,105 5.99 35.25 2,669.41 16,976.79 1.90 12.08 11 120 1.47 16.09 1,341.81 7,580.57 0.82 4.62 50.27 44.65

9 > 1,500 2,000 1,750 799 6,904 4.61 39.86 2,500.93 19,477.72 1.78 13.86 15 135 2.01 18.10 338.05 7,918.62 0.21 4.83 13.52 40.65

10 > 2,000 2,500 2,250 608 7,512 3.51 43.37 2,283.16 21,760.89 1.62 15.49 11 146 1.47 19.57 7,083.40 15,002.02 4.32 9.15 310.25 68.94

11 > 2,500 3,000 2,750 524 8,036 3.03 46.40 2,437.65 24,198.54 1.73 17.22 37 183 4.96 24.53 8,972.45 23,974.47 5.47 14.62 368.08 99.07

12 > 3,000 4,000 3,500 894 8,930 5.16 51.56 4,384.86 28,583.39 3.12 20.34 37 220 4.96 29.49 18,860.78 42,835.26 11.50 26.12 430.13 149.86

13 > 4,000 5,000 4,500 726 9,656 4.19 55.75 4,250.67 32,834.06 3.03 23.37 41 261 5.50 34.99 9,751.68 52,586.94 5.95 32.07 229.42 160.16

14 > 5,000 7,500 6,250 1,142 10,798 6.59 62.35 8,386.69 41,220.75 5.97 29.34 25 286 3.35 38.34 13,269.09 65,856.04 8.09 40.16 158.22 159.76

15 > 7,500 10,000 8,750 767 11,565 4.43 66.78 6,473.13 47,693.88 4.61 33.94 34 320 4.56 42.90 7,886.01 73,742.05 4.81 44.97 121.83 154.62

16 > 10,000 20,000 15,000 1,591 13,156 9.19 75.96 19,296.23 66,990.11 13.73 47.67 59 379 7.91 50.80 5,181.25 78,923.30 3.16 48.13 26.85 117.81

17 > 20,000 50,000 35,000 1,788 14,944 10.32 86.29 23,247.33 90,237.44 16.54 64.22 131 510 17.56 68.36 48,687.44 127,610.74 29.69 77.82 209.43 141.42

18 > 50,000 100,000 75,000 851 15,795 4.91 91.20 12,118.23 102,355.67 8.62 72.84 55 565 7.37 75.74 1,110.25 128,720.99 0.68 78.50 9.16 125.76

19 > 100,000 500,000 300,000 1,085 16,880 6.26 97.47 22,840.13 125,195.80 16.25 89.10 87 652 11.66 87.40 15,059.05 143,780.04 9.18 87.68 65.93 114.84

20 > 500,000 439 17,319 2.53 100.00 15,318.94 140,514.74 10.90 100.00 94 746 12.60 100.00 20,199.18 163,979.21 12.32 100.00 131.86 116.70

T O T A L 17,319 140,514.74 746 163,979.21 116.70

Page 111 of 204



Textiles (Tekstil)


1 0 50 25 1,959 1,959 10.32 10.32 6,632.39 6,632.39 6.04 6.04 56 56 6.92 6.92 285.68 285.68 0.22 0.22 4.31 4.31

2 > 50 100 75 666 2,625 3.51 13.83 384.29 7,016.68 0.35 6.39 17 73 2.10 9.02 518.53 804.22 0.40 0.62 134.93 11.46

3 > 100 200 150 1,403 4,028 7.39 21.21 824.04 7,840.72 0.75 7.14 5 78 0.62 9.64 320.84 1,125.06 0.25 0.87 38.94 14.35

4 > 200 300 250 1,159 5,187 6.10 27.32 1,066.99 8,907.71 0.97 8.11 10 88 1.24 10.88 541.18 1,666.24 0.42 1.28 50.72 18.71

5 > 300 500 400 1,841 7,028 9.70 37.01 2,263.00 11,170.70 2.06 10.17 11 99 1.36 12.24 1,276.48 2,942.72 0.98 2.27 56.41 26.34

CLAIM FREQUENCYPERCENTAGEBAND

rp



f FMid Points


LOSS RATIO


rp RP


5 > 300 500 400 1,841 7,028 9.70 37.01 2,263.00 11,170.70 2.06 10.17 11 99 1.36 12.24 1,276.48 2,942.72 0.98 2.27 56.41 26.34

6 > 500 750 625 1,164 8,192 6.13 43.15 2,120.83 13,291.54 1.93 12.10 12 111 1.48 13.72 1,222.28 4,165.00 0.94 3.21 57.63 31.34

7 > 750 1,000 875 1,033 9,225 5.44 48.59 2,261.51 15,553.05 2.06 14.16 7 118 0.87 14.59 886.11 5,051.11 0.68 3.89 39.18 32.48

8 > 1,000 1,500 1,250 1,103 10,328 5.81 54.40 3,302.29 18,855.34 3.01 17.17 27 145 3.34 17.92 1,584.64 6,635.75 1.22 5.11 47.99 35.19

9 > 1,500 2,000 1,750 837 11,165 4.41 58.80 2,752.50 21,607.84 2.51 19.67 15 160 1.85 19.78 2,935.19 9,570.94 2.26 7.37 106.64 44.29

10 > 2,000 2,500 2,250 484 11,649 2.55 61.35 1,758.94 23,366.78 1.60 21.27 24 184 2.97 22.74 5,455.70 15,026.64 4.20 11.58 310.17 64.31

11 > 2,500 3,000 2,750 442 12,091 2.33 63.68 1,693.76 25,060.54 1.54 22.82 4 188 0.49 23.24 2.75 15,029.38 0.00 11.58 0.16 59.97

12 > 3,000 4,000 3,500 613 12,704 3.23 66.91 3,024.51 28,085.05 2.75 25.57 18 206 2.22 25.46 3,421.41 18,450.79 2.64 14.21 113.12 65.70

13 > 4,000 5,000 4,500 485 13,189 2.55 69.46 2,772.99 30,858.04 2.52 28.09 18 224 2.22 27.69 1,436.80 19,887.59 1.11 15.32 51.81 64.45

14 > 5,000 7,500 6,250 786 13,975 4.14 73.60 4,468.92 35,326.96 4.07 32.16 25 249 3.09 30.78 4,209.59 24,097.19 3.24 18.56 94.20 68.21

15 > 7,500 10,000 8,750 543 14,518 2.86 76.46 3,698.30 39,025.26 3.37 35.53 16 265 1.98 32.76 222.47 24,319.66 0.17 18.74 6.02 62.32

16 > 10,000 20,000 15,000 1,055 15,573 5.56 82.02 10,931.94 49,957.19 9.95 45.48 54 319 6.67 39.43 6,000.00 30,319.66 4.62 23.36 54.89 60.69

17 > 20,000 50,000 35,000 1,195 16,768 6.29 88.31 15,062.35 65,019.55 13.71 59.19 84 403 10.38 49.81 5,787.57 36,107.23 4.46 27.82 38.42 55.53

18 > 50,000 100,000 75,000 675 17,443 3.56 91.87 10,715.55 75,735.10 9.76 68.95 92 495 11.37 61.19 3,511.81 39,619.04 2.71 30.52 32.77 52.3118 > 50,000 100,000 75,000 675 17,443 3.56 91.87 10,715.55 75,735.10 9.76 68.95 92 495 11.37 61.19 3,511.81 39,619.04 2.71 30.52 32.77 52.31

19 > 100,000 500,000 300,000 1,132 18,575 5.96 97.83 22,665.04 98,400.14 20.63 89.58 198 693 24.47 85.66 12,241.87 51,860.91 9.43 39.95 54.01 52.70

20 > 500,000 412 18,987 2.17 100.00 11,441.64 109,841.77 10.42 100.00 116 809 14.34 100.00 77,945.61 129,806.52 60.05 100.00 681.25 118.18

T O T A L 18,987 109,841.77 809 129,806.52 118.18

Page 112 of 204





1 0 50 25 1,354 1,354 9.90 9.90 8,294.46 8,294.46 8.12 8.12 26 26 4.05 4.05 180.34 180.34 0.07 0.07 2.17 2.17

2 > 50 100 75 435 1,789 3.18 13.07 333.51 8,627.97 0.33 8.44 17 43 2.65 6.70 184.14 364.48 0.08 0.15 55.21 4.22

3 > 100 200 150 700 2,489 5.12 18.19 591.81 9,219.78 0.58 9.02 17 60 2.65 9.35 472.04 836.52 0.19 0.34 79.76 9.07

4 > 200 300 250 680 3,169 4.97 23.16 705.67 9,925.45 0.69 9.71 4 64 0.62 9.97 233.12 1,069.64 0.10 0.44 33.04 10.78

5 > 300 500 400 1,028 4,197 7.51 30.67 1,527.93 11,453.38 1.50 11.21 20 84 3.12 13.08 1,553.95 2,623.60 0.64 1.07 101.70 22.91




RPrpBAND

LOSS RATIO

FPERCENTAGE


fPERCENTAGE

rp RPPERCENTAGE

5 > 300 500 400 1,028 4,197 7.51 30.67 1,527.93 11,453.38 1.50 11.21 20 84 3.12 13.08 1,553.95 2,623.60 0.64 1.07 101.70 22.91

6 > 500 750 625 803 5,000 5.87 36.54 1,707.75 13,161.13 1.67 12.88 13 97 2.02 15.11 931.42 3,555.02 0.38 1.46 54.54 27.01

7 > 750 1,000 875 769 5,769 5.62 42.16 1,849.16 15,010.30 1.81 14.69 16 113 2.49 17.60 1,081.14 4,636.16 0.44 1.90 58.47 30.89

8 > 1,000 1,500 1,250 877 6,646 6.41 48.57 2,857.10 17,867.40 2.80 17.48 25 138 3.89 21.50 1,799.28 6,435.44 0.74 2.64 62.98 36.02

9 > 1,500 2,000 1,750 676 7,322 4.94 53.51 2,483.84 20,351.24 2.43 19.92 13 151 2.02 23.52 387.10 6,822.54 0.16 2.79 15.58 33.52

10 > 2,000 2,500 2,250 401 7,723 2.93 56.44 2,067.54 22,418.78 2.02 21.94 4 155 0.62 24.14 2,077.69 8,900.23 0.85 3.65 100.49 39.70

11 > 2,500 3,000 2,750 413 8,136 3.02 59.46 2,069.79 24,488.57 2.03 23.96 7 162 1.09 25.23 2,842.70 11,742.93 1.16 4.81 137.34 47.95

12 > 3,000 4,000 3,500 572 8,708 4.18 63.64 3,310.98 27,799.55 3.24 27.20 7 169 1.09 26.32 4,973.74 16,716.67 2.04 6.85 150.22 60.13

13 > 4,000 5,000 4,500 464 9,172 3.39 67.03 2,974.50 30,774.05 2.91 30.11 19 188 2.96 29.28 9,103.45 25,820.12 3.73 10.57 306.05 83.90

14 > 5,000 7,500 6,250 656 9,828 4.79 71.83 5,264.37 36,038.42 5.15 35.27 26 214 4.05 33.33 3,861.25 29,681.37 1.58 12.16 73.35 82.36

15 > 7,500 10,000 8,750 455 10,283 3.33 75.15 5,486.07 41,524.49 5.37 40.63 32 246 4.98 38.32 8,830.91 38,512.28 3.62 15.77 160.97 92.75

16 > 10,000 20,000 15,000 933 11,216 6.82 81.97 11,676.15 53,200.64 11.43 52.06 57 303 8.88 47.20 50,458.30 88,970.58 20.67 36.44 432.15 167.24

17 > 20,000 50,000 35,000 904 12,120 6.61 88.58 14,926.08 68,126.72 14.61 66.67 77 380 11.99 59.19 50,398.07 139,368.65 20.64 57.08 337.65 204.57

18 > 50,000 100,000 75,000 535 12,655 3.91 92.49 8,994.47 77,121.19 8.80 75.47 72 452 11.21 70.40 55,668.90 195,037.55 22.80 79.88 618.92 252.9018 > 50,000 100,000 75,000 535 12,655 3.91 92.49 8,994.47 77,121.19 8.80 75.47 72 452 11.21 70.40 55,668.90 195,037.55 22.80 79.88 618.92 252.90

19 > 100,000 500,000 300,000 763 13,418 5.58 98.06 17,352.31 94,473.50 16.98 92.45 120 572 18.69 89.10 38,339.04 233,376.59 15.70 95.58 220.94 247.03

20 > 500,000 265 13,683 1.94 100.00 7,715.80 102,189.30 7.55 100.00 70 642 10.90 100.00 10,790.77 244,167.36 4.42 100.00 139.85 238.94

T O T A L 13,683 102,189.30 642 244,167.36 238.94

Page 113 of 204





1 0 50 25 1,208 1,208 12.37 12.37 5,323.22 5,323.22 5.38 5.38 6 6 1.61 1.61 46.47 46.47 0.06 0.06 0.87 0.87

2 > 50 100 75 596 1,804 6.10 18.48 1,097.18 6,420.40 1.11 6.49 12 18 3.23 4.84 366.75 413.22 0.51 0.57 33.43 6.44

3 > 100 200 150 815 2,619 8.35 26.83 971.65 7,392.05 0.98 7.48 5 23 1.34 6.18 147.86 561.08 0.20 0.77 15.22 7.59

4 > 200 300 250 520 3,139 5.33 32.15 903.79 8,295.83 0.91 8.39 7 30 1.88 8.06 97.64 658.72 0.13 0.91 10.80 7.94

5 > 300 500 400 691 3,830 7.08 39.23 1,744.11 10,039.94 1.76 10.15 17 47 4.57 12.63 928.57 1,587.29 1.28 2.19 53.24 15.81


Mid Points PERCENTAGE PERCENTAGELOSS RATIO

RP f F


rp



f F


5 > 300 500 400 691 3,830 7.08 39.23 1,744.11 10,039.94 1.76 10.15 17 47 4.57 12.63 928.57 1,587.29 1.28 2.19 53.24 15.81

6 > 500 750 625 458 4,288 4.69 43.92 1,367.13 11,407.07 1.38 11.54 19 66 5.11 17.74 1,674.52 3,261.81 2.31 4.50 122.48 28.59

7 > 750 1,000 875 436 4,724 4.47 48.39 1,746.81 13,153.88 1.77 13.30 10 76 2.69 20.43 1,529.52 4,791.33 2.11 6.61 87.56 36.43

8 > 1,000 1,500 1,250 529 5,253 5.42 53.81 2,872.83 16,026.70 2.91 16.21 23 99 6.18 26.61 4,470.13 9,261.46 6.17 12.78 155.60 57.79

9 > 1,500 2,000 1,750 393 5,646 4.03 57.83 2,261.22 18,287.92 2.29 18.49 11 110 2.96 29.57 1,553.91 10,815.37 2.14 14.92 68.72 59.14

10 > 2,000 2,500 2,250 303 5,949 3.10 60.93 2,321.15 20,609.07 2.35 20.84 4 114 1.08 30.65 58.41 10,873.78 0.08 15.01 2.52 52.76

11 > 2,500 3,000 2,750 248 6,197 2.54 63.47 2,162.77 22,771.84 2.19 23.03 6 120 1.61 32.26 109.18 10,982.96 0.15 15.16 5.05 48.23

12 > 3,000 4,000 3,500 330 6,527 3.38 66.85 2,825.85 25,597.69 2.86 25.89 14 134 3.76 36.02 807.90 11,790.86 1.11 16.27 28.59 46.06

13 > 4,000 5,000 4,500 300 6,827 3.07 69.93 3,432.68 29,030.36 3.47 29.36 9 143 2.42 38.44 1,209.39 13,000.25 1.67 17.94 35.23 44.78

14 > 5,000 7,500 6,250 400 7,227 4.10 74.02 5,311.29 34,341.65 5.37 34.73 20 163 5.38 43.82 1,392.72 14,392.97 1.92 19.86 26.22 41.91

15 > 7,500 10,000 8,750 323 7,550 3.31 77.33 5,760.18 40,101.83 5.83 40.55 7 170 1.88 45.70 10,048.13 24,441.09 13.87 33.73 174.44 60.95

16 > 10,000 20,000 15,000 674 8,224 6.90 84.24 14,773.38 54,875.21 14.94 55.49 37 207 9.95 55.65 4,070.65 28,511.74 5.62 39.34 27.55 51.96

17 > 20,000 50,000 35,000 668 8,892 6.84 91.08 18,698.45 73,573.66 18.91 74.40 51 258 13.71 69.35 27,746.39 56,258.12 38.29 77.63 148.39 76.47

18 > 50,000 100,000 75,000 366 9,258 3.75 94.83 9,062.61 82,636.27 9.16 83.57 41 299 11.02 80.38 6,526.71 62,784.83 9.01 86.64 72.02 75.9818 > 50,000 100,000 75,000 366 9,258 3.75 94.83 9,062.61 82,636.27 9.16 83.57 41 299 11.02 80.38 6,526.71 62,784.83 9.01 86.64 72.02 75.98

19 > 100,000 500,000 300,000 421 9,679 4.31 99.14 11,951.72 94,587.99 12.09 95.66 52 351 13.98 94.35 9,089.90 71,874.74 12.54 99.18 76.06 75.99

20 > 500,000 84 9,763 0.86 100.00 4,295.96 98,883.95 4.34 100.00 21 372 5.65 100.00 592.09 72,466.82 0.82 100.00 13.78 73.28

T O T A L 9,763 98,883.95 372 72,466.82 73.28

Page 114 of 204





1 0 50 25 7,271 7,271 16.87 16.87 11,208.61 11,208.61 6.38 6.38 113 113 6.52 6.52 493.65 493.65 0.15 0.15 4.40 4.40

2 > 50 100 75 3,521 10,792 8.17 25.04 814.12 12,022.73 0.46 6.85 28 141 1.61 8.13 512.73 1,006.37 0.15 0.30 62.98 8.37

3 > 100 200 150 4,946 15,738 11.48 36.52 1,301.83 13,324.56 0.74 7.59 21 162 1.21 9.34 260.08 1,266.45 0.08 0.38 19.98 9.50

4 > 200 300 250 2,056 17,794 4.77 41.29 1,329.98 14,654.54 0.76 8.35 43 205 2.48 11.82 935.54 2,201.99 0.28 0.66 70.34 15.03


f FMid Points

SUM INSURED LOSS RATIO


RPPERCENTAGE

rp RP


rp

4 > 200 300 250 2,056 17,794 4.77 41.29 1,329.98 14,654.54 0.76 8.35 43 205 2.48 11.82 935.54 2,201.99 0.28 0.66 70.34 15.03

5 > 300 500 400 3,001 20,795 6.96 48.25 2,465.28 17,119.82 1.40 9.75 60 265 3.46 15.28 1,226.96 3,428.95 0.37 1.02 49.77 20.03

6 > 500 750 625 1,537 22,332 3.57 51.82 1,950.72 19,070.54 1.11 10.86 29 294 1.67 16.96 808.84 4,237.80 0.24 1.26 41.46 22.22

7 > 750 1,000 875 1,465 23,797 3.40 55.22 1,899.17 20,969.71 1.08 11.95 15 309 0.87 17.82 809.21 5,047.01 0.24 1.50 42.61 24.07

8 > 1,000 1,500 1,250 1,687 25,484 3.91 59.13 3,063.25 24,032.96 1.74 13.69 52 361 3.00 20.82 3,744.77 8,791.78 1.11 2.62 122.25 36.58

9 > 1,500 2,000 1,750 1,194 26,678 2.77 61.90 2,345.46 26,378.42 1.34 15.03 25 386 1.44 22.26 3,868.39 12,660.17 1.15 3.77 164.93 47.99

10 > 2,000 2,500 2,250 983 27,661 2.28 64.18 2,205.73 28,584.15 1.26 16.28 25 411 1.44 23.70 567.01 13,227.17 0.17 3.94 25.71 46.27

11 > 2,500 3,000 2,750 802 28,463 1.86 66.04 2,413.48 30,997.64 1.37 17.66 9 420 0.52 24.22 265.14 13,492.31 0.08 4.02 10.99 43.53

12 > 3,000 4,000 3,500 1,305 29,768 3.03 69.07 3,950.91 34,948.55 2.25 19.91 25 445 1.44 25.66 4,935.66 18,427.97 1.47 5.48 124.92 52.73

13 > 4,000 5,000 4,500 1,015 30,783 2.36 71.43 3,967.97 38,916.51 2.26 22.17 31 476 1.79 27.45 6,142.12 24,570.09 1.83 7.31 154.79 63.14

14 > 5,000 7,500 6,250 1,909 32,692 4.43 75.86 10,498.32 49,414.83 5.98 28.15 420 896 24.22 51.67 10,570.61 35,140.70 3.15 10.46 100.69 71.11

15 > 7,500 10,000 8,750 1,296 33,988 3.01 78.86 7,657.91 57,072.74 4.36 32.51 54 950 3.11 54.79 5,359.88 40,500.58 1.60 12.05 69.99 70.96

16 > 10,000 20,000 15,000 2,555 36,543 5.93 84.79 18,591.50 75,664.24 10.59 43.10 142 1,092 8.19 62.98 34,545.87 75,046.45 10.28 22.33 185.82 99.18

17 > 20,000 50,000 35,000 2,643 39,186 6.13 90.92 26,737.13 102,401.38 15.23 58.33 146 1,238 8.42 71.40 40,983.42 116,029.86 12.20 34.53 153.28 113.3117 > 20,000 50,000 35,000 2,643 39,186 6.13 90.92 26,737.13 102,401.38 15.23 58.33 146 1,238 8.42 71.40 40,983.42 116,029.86 12.20 34.53 153.28 113.31

18 > 50,000 100,000 75,000 1,517 40,703 3.52 94.44 18,016.35 120,417.73 10.26 68.60 129 1,367 7.44 78.84 97,574.59 213,604.45 29.04 63.57 541.59 177.39

19 > 100,000 500,000 300,000 1,717 42,420 3.98 98.43 22,386.92 142,804.65 12.75 81.35 241 1,608 13.90 92.73 22,174.20 235,778.65 6.60 70.17 99.05 165.11

20 > 500,000 678 43,098 1.57 100.00 32,744.19 175,548.84 18.65 100.00 126 1,734 7.27 100.00 100,231.17 336,009.82 29.83 100.00 306.10 191.41

T O T A L 43,098 175,548.84 1,734 336,009.82 191.41

Page 115 of 204





1 0 50 25 152 152 8.91 8.91 1,492.27 1,492.27 4.38 4.38 6 6 5.88 5.88 5.32 5.32 0.02 0.02 0.36 0.36

2 > 50 100 75 13 165 0.76 9.67 1.26 1,493.54 0.00 4.39 0 6 0.00 5.88 0.00 5.32 0.00 0.02 0.00 0.36

3 > 100 200 150 11 176 0.64 10.32 7.91 1,501.44 0.02 4.41 0 6 0.00 5.88 0.00 5.32 0.00 0.02 0.00 0.35

4 > 200 300 250 15 191 0.88 11.20 9.84 1,511.28 0.03 4.44 2 8 1.96 7.84 201.37 206.70 0.89 0.91 2,047,35 13.68

FMid Points

LOSS RATIO

f FPERCENTAGEPERCENTAGEPERCENTAGE PERCENTAGE

RP rp RP


rp



f

4 > 200 300 250 15 191 0.88 11.20 9.84 1,511.28 0.03 4.44 2 8 1.96 7.84 201.37 206.70 0.89 0.91 2,047,35 13.68

5 > 300 500 400 18 209 1.06 12.25 53.21 1,564.49 0.16 4.60 3 11 2.94 10.78 413.40 620.09 1.82 2.73 776.90 39.64

6 > 500 750 625 30 239 1.76 14.01 89.11 1,653.60 0.26 4.86 0 11 0.00 10.78 0.00 620.09 0.00 2.73 0.00 37.50

7 > 750 1,000 875 291 530 17.06 31.07 179.44 1,833.04 0.53 5.38 0 11 0.00 10.78 0.00 620.09 0.00 2.73 0.00 33.83

8 > 1,000 1,500 1,250 40 570 2.34 33.41 88.53 1,921.57 0.26 5.64 0 11 0.00 10.78 0.00 620.09 0.00 2.73 0.00 32.27

9 > 1,500 2,000 1,750 34 604 1.99 35.40 60.83 1,982.40 0.18 5.82 0 11 0.00 10.78 0.00 620.09 0.00 2.73 0.00 31.28

10 > 2,000 2,500 2,250 19 623 1.11 36.52 89.42 2,071.82 0.26 6.09 0 11 0.00 10.78 0.00 620.09 0.00 2.73 0.00 29.93

11 > 2,500 3,000 2,750 35 658 2.05 38.57 76.30 2,148.12 0.22 6.31 0 11 0.00 10.78 0.00 620.09 0.00 2.73 0.00 28.87

12 > 3,000 4,000 3,500 45 703 2.64 41.21 124.78 2,272.90 0.37 6.68 3 14 2.94 13.73 3,580.18 4,200.27 15.77 18.50 2,869,09 184.80

13 > 4,000 5,000 4,500 30 733 1.76 42.97 102.48 2,375.39 0.30 6.98 6 20 5.88 19.61 4,268.22 8,468.50 18.80 37.29 4,164,78 356.51

14 > 5,000 7,500 6,250 54 787 3.17 46.13 498.23 2,873.61 1.46 8.44 2 22 1.96 21.57 19.36 8,487.86 0.09 37.38 3.89 295.37

15 > 7,500 10,000 8,750 54 841 3.17 49.30 464.84 3,338.45 1.37 9.81 0 22 0.00 21.57 0.00 8,487.86 0.00 37.38 0.00 254.25

16 > 10,000 20,000 15,000 136 977 7.97 57.27 1,414.03 4,752.48 4.15 13.96 11 33 10.78 32.35 456.75 8,944.61 2.01 39.39 32.30 188.21

17 > 20,000 50,000 35,000 196 1,173 11.49 68.76 2,060.11 6,812.59 6.05 20.01 12 45 11.76 44.12 41.24 8,985.85 0.18 39.57 2.00 131.9017 > 20,000 50,000 35,000 196 1,173 11.49 68.76 2,060.11 6,812.59 6.05 20.01 12 45 11.76 44.12 41.24 8,985.85 0.18 39.57 2.00 131.90

18 > 50,000 100,000 75,000 134 1,307 7.85 76.61 1,840.44 8,653.03 5.41 25.42 22 67 21.57 65.69 3,430.32 12,416.16 15.11 54.68 186.39 143.49

19 > 100,000 500,000 300,000 201 1,508 11.78 88.39 2,929.17 11,582.20 8.60 34.02 21 88 20.59 86.27 1,345.31 13,761.47 5.92 60.60 45.93 118.82

20 > 500,000 198 1,706 11.61 100.00 22,461.04 34,043.24 65.98 100.00 14 102 13.73 100.00 8,947.17 22,708.64 39.40 100.00 39.83 66.71

T O T A L 1,706 34,043.24 102 22,708.64 66.71

Page 116 of 204





1 0 50 25 190,262 190,262 14.75 14.75 94,180.27 94,180.27 6.09 6.09 607 607 8.01 8.01 3,900.58 3,900.58 0.78 0.78 4.14 4.14

Mid PointsF

LOSS RATIO





rp



f

1 0 50 25 190,262 190,262 14.75 14.75 94,180.27 94,180.27 6.09 6.09 607 607 8.01 8.01 3,900.58 3,900.58 0.78 0.78 4.14 4.14

2 > 50 100 75 163,333 353,595 12.66 27.42 25,622.26 119,802.53 1.66 7.75 341 948 4.50 12.51 6,919.81 10,820.39 1.39 2.17 27.01 9.03

3 > 100 200 150 223,881 577,476 17.36 44.78 60,123.45 179,925.98 3.89 11.63 484 1,432 6.39 18.89 14,557.53 25,377.92 2.93 5.10 24.21 14.10

4 > 200 300 250 140,213 717,689 10.87 55.65 60,853.48 240,779.46 3.93 15.57 346 1,778 4.57 23.46 13,187.12 38,565.04 2.65 7.75 21.67 16.02

5 > 300 500 400 162,650 880,339 12.61 68.26 122,774.52 363,553.99 7.94 23.50 515 2,293 6.80 30.25 25,915.64 64,480.68 5.21 12.96 21.11 17.74

6 > 500 750 625 89,704 970,043 6.96 75.21 90,392.07 453,946.06 5.84 29.35 363 2,656 4.79 35.04 20,978.80 85,459.48 4.22 17.17 23.21 18.83

7 > 750 1,000 875 67,300 1,037,343 5.22 80.43 92,586.97 546,533.02 5.99 35.33 359 3,015 4.74 39.78 24,346.42 109,805.90 4.89 22.06 26.30 20.09

8 > 1,000 1,500 1,250 58,492 1,095,835 4.54 84.97 100,519.23 647,052.25 6.50 41.83 396 3,411 5.22 45.01 21,314.68 131,120.58 4.28 26.35 21.20 20.26

9 > 1,500 2,000 1,750 36,725 1,132,560 2.85 87.81 77,799.08 724,851.33 5.03 46.86 360 3,771 4.75 49.76 30,379.35 161,499.92 6.10 32.45 39.05 22.28

10 > 2,000 2,500 2,250 21,850 1,154,410 1.69 89.51 53,394.20 778,245.53 3.45 50.31 202 3,973 2.67 52.42 14,026.58 175,526.50 2.82 35.27 26.27 22.55

11 > 2,500 3,000 2,750 19,239 1,173,649 1.49 91.00 49,621.47 827,867.00 3.21 53.52 203 4,176 2.68 55.10 19,399.35 194,925.85 3.90 39.17 39.09 23.55

12 > 3,000 4,000 3,500 22,751 1,196,400 1.76 92.76 66,836.34 894,703.35 4.32 57.84 230 4,406 3.03 58.13 19,257.84 214,183.69 3.87 43.04 28.81 23.94

13 > 4,000 5,000 4,500 17,573 1,213,973 1.36 94.13 56,957.90 951,661.25 3.68 61.52 236 4,642 3.11 61.25 24,678.43 238,862.12 4.96 48.00 43.33 25.1013 > 4,000 5,000 4,500 17,573 1,213,973 1.36 94.13 56,957.90 951,661.25 3.68 61.52 236 4,642 3.11 61.25 24,678.43 238,862.12 4.96 48.00 43.33 25.10

14 > 5,000 7,500 6,250 20,998 1,234,971 1.63 95.76 85,202.75 1,036,864.00 5.51 67.03 333 4,975 4.39 65.64 37,486.43 276,348.55 7.53 55.53 44.00 26.65

15 > 7,500 10,000 8,750 14,166 1,249,137 1.10 96.85 70,146.99 1,107,010.99 4.53 71.57 245 5,220 3.23 68.87 43,701.65 320,050.20 8.78 64.31 62.30 28.91

16 > 10,000 20,000 15,000 18,686 1,267,823 1.45 98.30 155,161.30 1,262,172.29 10.03 81.60 441 5,661 5.82 74.69 48,275.95 368,326.15 9.70 74.01 31.11 29.18

17 > 20,000 50,000 35,000 11,994 1,279,817 0.93 99.23 115,332.48 1,377,504.77 7.46 89.05 479 6,140 6.32 81.01 23,859.50 392,185.65 4.79 78.80 20.69 28.47

18 > 50,000 100,000 75,000 4,528 1,284,345 0.35 99.58 55,678.23 1,433,183.01 3.60 92.65 363 6,503 4.79 85.80 35,668.65 427,854.30 7.17 85.97 64.06 29.85

19 > 100,000 500,000 300,000 4,076 1,288,421 0.32 99.90 82,414.56 1,515,597.57 5.33 97.98 665 7,168 8.77 94.58 26,080.52 453,934.82 5.24 91.21 31.65 29.95

20 > 500,000 1,296 1,289,717 0.10 100.00 31,237.28 1,546,834.85 2.02 100.00 411 7,579 5.42 100.00 43,745.51 497,680.33 8.79 100.00 140.04 32.17

T O T A L 1,289,717 1,546,834.85 7,579 497,680.33 32.17

Page 117 of 204





1 0 50 25 232 232 21.52 21.52 3,849.83 3,849.83 27.93 27.93 16 16 47.06 47.06 212.01 212.01 18.01 18.01 5.51 5.51

2 > 50 100 75 56 288 5.19 26.72 27.39 3,877.22 0.20 28.13 0 16 0.00 47.06 0.00 212.01 0.00 18.01 0.00 5.47

3 > 100 200 150 31 319 2.88 29.59 23.87 3,901.08 0.17 28.30 0 16 0.00 47.06 0.00 212.01 0.00 18.01 0.00 5.43

4 > 200 300 250 17 336 1.58 31.17 24.75 3,925.83 0.18 28.48 0 16 0.00 47.06 0.00 212.01 0.00 18.01 0.00 5.40

5 > 300 500 400 34 370 3.15 34.32 170.83 4,096.67 1.24 29.72 0 16 0.00 47.06 0.00 212.01 0.00 18.01 0.00 5.18

BANDrp


NUMBER OF POLICIES



FPERCENTAGE

F


RP fPERCENTAGE

rp RP

5 > 300 500 400 34 370 3.15 34.32 170.83 4,096.67 1.24 29.72 0 16 0.00 47.06 0.00 212.01 0.00 18.01 0.00 5.18

6 > 500 750 625 42 412 3.90 38.22 247.60 4,344.26 1.80 31.51 2 18 5.88 52.94 6.23 218.23 0.53 18.54 2.51 5.02

7 > 750 1,000 875 30 442 2.78 41.00 175.57 4,519.83 1.27 32.79 10 28 29.41 82.35 885.86 1,104.09 75.25 93.79 504.56 24.43

8 > 1,000 1,500 1,250 42 484 3.90 44.90 277.50 4,797.33 2.01 34.80 0 28 0.00 82.35 0.00 1,104.09 0.00 93.79 0.00 23.01

9 > 1,500 2,000 1,750 30 514 2.78 47.68 252.84 5,050.17 1.83 36.64 0 28 0.00 82.35 0.00 1,104.09 0.00 93.79 0.00 21.86

10 > 2,000 2,500 2,250 33 547 3.06 50.74 261.69 5,311.87 1.90 38.53 0 28 0.00 82.35 0.00 1,104.09 0.00 93.79 0.00 20.79

11 > 2,500 3,000 2,750 37 584 3.43 54.17 264.76 5,576.63 1.92 40.45 0 28 0.00 82.35 0.00 1,104.09 0.00 93.79 0.00 19.80

12 > 3,000 4,000 3,500 89 673 8.26 62.43 1,116.09 6,692.72 8.10 48.55 0 28 0.00 82.35 0.00 1,104.09 0.00 93.79 0.00 16.50

13 > 4,000 5,000 4,500 19 692 1.76 64.19 271.35 6,964.06 1.97 50.52 0 28 0.00 82.35 0.00 1,104.09 0.00 93.79 0.00 15.85

14 > 5,000 7,500 6,250 61 753 5.66 69.85 747.25 7,711.31 5.42 55.94 0 28 0.00 82.35 0.00 1,104.09 0.00 93.79 0.00 14.32

15 > 7,500 10,000 8,750 78 831 7.24 77.09 1,098.16 8,809.47 7.97 63.91 0 28 0.00 82.35 0.00 1,104.09 0.00 93.79 0.00 12.53

16 > 10,000 20,000 15,000 165 996 15.31 92.39 3,038.15 11,847.62 22.04 85.95 6 34 17.65 100.00 73.10 1,177.20 6.21 100.00 2.41 9.94

17 > 20,000 50,000 35,000 77 1,073 7.14 99.54 1,912.71 13,760.33 13.88 99.82 0 34 0.00 100.00 0.00 1,177.20 0.00 100.00 0.00 8.55

18 > 50,000 100,000 75,000 3 1,076 0.28 99.81 21.36 13,781.70 0.15 99.98 0 34 0.00 100.00 0.00 1,177.20 0.00 100.00 0.00 8.5418 > 50,000 100,000 75,000 3 1,076 0.28 99.81 21.36 13,781.70 0.15 99.98 0 34 0.00 100.00 0.00 1,177.20 0.00 100.00 0.00 8.54

19 > 100,000 500,000 300,000 2 1,078 0.19 100.00 3.21 13,784.90 0.02 100.00 0 34 0.00 100.00 0.00 1,177.20 0.00 100.00 0.00 8.54

20 > 500,000 0 1,078 0.00 100.00 0.00 13,784.90 0.00 100.00 0 34 0.00 100.00 0.00 1,177.20 0.00 100.00 0.00 8.54

T O T A L 1,078 13,784.90 34 1,177.20 8.54

Page 118 of 204





1 0 50 25 208 208 13.24 13.24 4,494.28 4,494.28 17.34 17.34 2 2 2.63 2.63 15.68 15.68 0.09 0.09 0.35 0.35

2 > 50 100 75 24 232 1.53 14.77 12.02 4,506.29 0.05 17.39 0 2 0.00 2.63 0.00 15.68 0.00 0.09 0.00 0.35

3 > 100 200 150 35 267 2.23 17.00 14.07 4,520.36 0.05 17.44 0 2 0.00 2.63 0.00 15.68 0.00 0.09 0.00 0.35

4 > 200 300 250 34 301 2.16 19.16 60.74 4,581.10 0.23 17.68 6 8 7.89 10.53 229.25 244.93 1.32 1.41 377.45 5.35

5 > 300 500 400 37 338 2.36 21.51 27.65 4,608.75 0.11 17.78 8 16 10.53 21.05 432.31 677.24 2.48 3.89 1,563,29 14.69

LOSS RATIO

FPERCENTAGEBAND

rp


NUMBER OF POLICIES

fPERCENTAGE

rp RP




RP f

5 > 300 500 400 37 338 2.36 21.51 27.65 4,608.75 0.11 17.78 8 16 10.53 21.05 432.31 677.24 2.48 3.89 1,563,29 14.69

6 > 500 750 625 57 395 3.63 25.14 78.12 4,686.88 0.30 18.09 11 27 14.47 35.53 699.31 1,376.55 4.01 7.90 895.13 29.37

7 > 750 1,000 875 41 436 2.61 27.75 63.58 4,750.46 0.25 18.33 0 27 0.00 35.53 0.00 1,376.55 0.00 7.90 0.00 28.98

8 > 1,000 1,500 1,250 51 487 3.25 31.00 128.00 4,878.46 0.49 18.83 0 27 0.00 35.53 0.00 1,376.55 0.00 7.90 0.00 28.22

9 > 1,500 2,000 1,750 74 561 4.71 35.71 398.80 5,277.27 1.54 20.36 2 29 2.63 38.16 29.78 1,406.32 0.17 8.07 7.47 26.65

10 > 2,000 2,500 2,250 49 610 3.12 38.83 411.50 5,688.77 1.59 21.95 0 29 0.00 38.16 0.00 1,406.32 0.00 8.07 0.00 24.72

11 > 2,500 3,000 2,750 46 656 2.93 41.76 222.67 5,911.44 0.86 22.81 0 29 0.00 38.16 0.00 1,406.32 0.00 8.07 0.00 23.79

12 > 3,000 4,000 3,500 90 746 5.73 47.49 426.18 6,337.61 1.64 24.46 8 37 10.53 48.68 3,442.74 4,849.06 19.75 27.82 807.82 76.51

13 > 4,000 5,000 4,500 44 790 2.80 50.29 389.14 6,726.76 1.50 25.96 0 37 0.00 48.68 0.00 4,849.06 0.00 27.82 0.00 72.09

14 > 5,000 7,500 6,250 95 885 6.05 56.33 767.61 7,494.36 2.96 28.92 2 39 2.63 51.32 23.02 4,872.08 0.13 27.95 3.00 65.01

15 > 7,500 10,000 8,750 42 927 2.67 59.01 396.38 7,890.74 1.53 30.45 0 39 0.00 51.32 0.00 4,872.08 0.00 27.95 0.00 61.74

16 > 10,000 20,000 15,000 64 991 4.07 63.08 917.89 8,808.63 3.54 33.99 2 41 2.63 53.95 9.27 4,881.35 0.05 28.01 1.01 55.42

17 > 20,000 50,000 35,000 207 1,198 13.18 76.26 4,960.41 13,769.03 19.14 53.13 12 53 15.79 69.74 238.50 5,119.86 1.37 29.38 4.81 37.18

18 > 50,000 100,000 75,000 187 1,385 11.90 88.16 6,327.93 20,096.97 24.42 77.55 4 57 5.26 75.00 67.98 5,187.83 0.39 29.77 1.07 25.8118 > 50,000 100,000 75,000 187 1,385 11.90 88.16 6,327.93 20,096.97 24.42 77.55 4 57 5.26 75.00 67.98 5,187.83 0.39 29.77 1.07 25.81

19 > 100,000 500,000 300,000 136 1,521 8.66 96.82 5,127.09 25,224.05 19.79 97.34 15 72 19.74 94.74 12,198.77 17,386.60 69.99 99.76 237.93 68.93

20 > 500,000 50 1,571 3.18 100.00 689.93 25,913.98 2.66 100.00 4 76 5.26 100.00 41.93 17,428.53 0.24 100.00 6.08 67.26

T O T A L 1,571 25,913.98 76 17,428.53 67.26

Page 119 of 204





1 0 50 25 62 62 29.52 29.52 694.96 694.96 13.06 13.06 10 10 15.38 15.38 85.74 85.74 5.50 5.50 12.34 12.34

2 > 50 100 75 25 87 11.90 41.43 209.14 904.10 3.93 16.99 0 10 0.00 15.38 0.00 85.74 0.00 5.50 0.00 9.48

3 > 100 200 150 5 92 2.38 43.81 14.74 918.84 0.28 17.26 0 10 0.00 15.38 0.00 85.74 0.00 5.50 0.00 9.33

4 > 200 300 250 8 100 3.81 47.62 3.78 922.61 0.07 17.33 5 15 7.69 23.08 0.74 86.47 0.05 5.54 19.50 9.37

5 > 300 500 400 3 103 1.43 49.05 3.14 925.75 0.06 17.39 0 15 0.00 23.08 0.00 86.47 0.00 5.54 0.00 9.34

CLAIM FREQUENCYPERCENTAGE(in million)

NUMBER OF POLICIESPERCENTAGE

RP ff FMid Points PERCENTAGE

LOSS RATIO


rp RPBAND

rp

SUM INSURED CLAIM SEVERITY (in million Rupiah)ORIGINAL PREMIUM (in million Rupiah)

5 > 300 500 400 3 103 1.43 49.05 3.14 925.75 0.06 17.39 0 15 0.00 23.08 0.00 86.47 0.00 5.54 0.00 9.34

6 > 500 750 625 4 107 1.90 50.95 5.80 931.56 0.11 17.50 0 15 0.00 23.08 0.00 86.47 0.00 5.54 0.00 9.28

7 > 750 1,000 875 4 111 1.90 52.86 5.48 937.03 0.10 17.61 0 15 0.00 23.08 0.00 86.47 0.00 5.54 0.00 9.23

8 > 1,000 1,500 1,250 12 123 5.71 58.57 67.77 1,004.80 1.27 18.88 0 15 0.00 23.08 0.00 86.47 0.00 5.54 0.00 8.61

9 > 1,500 2,000 1,750 1 124 0.48 59.05 3.03 1,007.83 0.06 18.94 0 15 0.00 23.08 0.00 86.47 0.00 5.54 0.00 8.58

10 > 2,000 2,500 2,250 7 131 3.33 62.38 420.17 1,428.00 7.89 26.83 0 15 0.00 23.08 0.00 86.47 0.00 5.54 0.00 6.06

11 > 2,500 3,000 2,750 1 132 0.48 62.86 5.70 1,433.70 0.11 26.94 0 15 0.00 23.08 0.00 86.47 0.00 5.54 0.00 6.03

12 > 3,000 4,000 3,500 1 133 0.48 63.33 14.44 1,448.14 0.27 27.21 0 15 0.00 23.08 0.00 86.47 0.00 5.54 0.00 5.97

13 > 4,000 5,000 4,500 1 134 0.48 63.81 9.61 1,457.75 0.18 27.39 0 15 0.00 23.08 0.00 86.47 0.00 5.54 0.00 5.93

14 > 5,000 7,500 6,250 22 156 10.48 74.29 1,493.68 2,951.43 28.06 55.45 0 15 0.00 23.08 0.00 86.47 0.00 5.54 0.00 2.93

15 > 7,500 10,000 8,750 2 158 0.95 75.24 4.82 2,956.25 0.09 55.54 4 19 6.15 29.23 62.45 148.92 4.00 9.55 1,294,46 5.04

16 > 10,000 20,000 15,000 23 181 10.95 86.19 1,739.24 4,695.50 32.68 88.22 0 19 0.00 29.23 0.00 148.92 0.00 9.55 0.00 3.17

17 > 20,000 50,000 35,000 4 185 1.90 88.10 52.74 4,748.24 0.99 89.21 0 19 0.00 29.23 0.00 148.92 0.00 9.55 0.00 3.14

18 > 50,000 100,000 75,000 13 198 6.19 94.29 418.45 5,166.69 7.86 97.07 2 21 3.08 32.31 122.47 271.39 7.85 17.40 29.27 5.2518 > 50,000 100,000 75,000 13 198 6.19 94.29 418.45 5,166.69 7.86 97.07 2 21 3.08 32.31 122.47 271.39 7.85 17.40 29.27 5.25

19 > 100,000 500,000 300,000 5 203 2.38 96.67 76.46 5,243.15 1.44 98.51 7 28 10.77 43.08 827.18 1,098.57 53.03 70.43 1,081,79 20.95

20 > 500,000 7 210 3.33 100.00 79.32 5,322.48 1.49 100.00 37 65 56.92 100.00 461.26 1,559.83 29.57 100.00 581.49 29.31

T O T A L 210 5,322.48 65 1,559.83 29.31

Page 120 of 204





1 0 50 25 1,513 1,513 53.69 53.69 690.26 690.26 10.45 10.45 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 514 2,027 18.24 71.93 126.70 816.97 1.92 12.36 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 180 2,207 6.39 78.32 135.42 952.39 2.05 14.41 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 72 2,279 2.56 80.87 29.03 981.42 0.44 14.85 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 108 2,387 3.83 84.71 93.35 1,074.76 1.41 16.26 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGECLAIM FREQUENCY

PERCENTAGERP f

PERCENTAGEORIGINAL PREMIUM (in million Rupiah) LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

5 > 300 500 400 108 2,387 3.83 84.71 93.35 1,074.76 1.41 16.26 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 57 2,444 2.02 86.73 50.82 1,125.58 0.77 17.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 39 2,483 1.38 88.11 195.28 1,320.86 2.96 19.99 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 51 2,534 1.81 89.92 94.55 1,415.41 1.43 21.42 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 29 2,563 1.03 90.95 205.31 1,620.72 3.11 24.53 8 8 80.00 80.00 189.68 189.68 27.09 27.09 92.39 11.70

10 > 2,000 2,500 2,250 19 2,582 0.67 91.63 335.44 1,956.16 5.08 29.60 0 8 0.00 80.00 0.00 189.68 0.00 27.09 0.00 9.70

11 > 2,500 3,000 2,750 8 2,590 0.28 91.91 19.92 1,976.09 0.30 29.90 0 8 0.00 80.00 0.00 189.68 0.00 27.09 0.00 9.60

12 > 3,000 4,000 3,500 9 2,599 0.32 92.23 76.09 2,052.18 1.15 31.05 2 10 20.00 100.00 510.51 700.19 72.91 100.00 670.96 34.12

13 > 4,000 5,000 4,500 15 2,614 0.53 92.76 134.04 2,186.21 2.03 33.08 0 10 0.00 100.00 0.00 700.19 0.00 100.00 0.00 32.03

14 > 5,000 7,500 6,250 16 2,630 0.57 93.33 235.43 2,421.64 3.56 36.65 0 10 0.00 100.00 0.00 700.19 0.00 100.00 0.00 28.91

15 > 7,500 10,000 8,750 22 2,652 0.78 94.11 256.96 2,678.60 3.89 40.53 0 10 0.00 100.00 0.00 700.19 0.00 100.00 0.00 26.14

16 > 10,000 20,000 15,000 31 2,683 1.10 95.21 908.71 3,587.31 13.75 54.29 0 10 0.00 100.00 0.00 700.19 0.00 100.00 0.00 19.52

17 > 20,000 50,000 35,000 48 2,731 1.70 96.91 992.92 4,580.23 15.03 69.31 0 10 0.00 100.00 0.00 700.19 0.00 100.00 0.00 15.29

18 > 50,000 100,000 75,000 36 2,767 1.28 98.19 459.02 5,039.25 6.95 76.26 0 10 0.00 100.00 0.00 700.19 0.00 100.00 0.00 13.8918 > 50,000 100,000 75,000 36 2,767 1.28 98.19 459.02 5,039.25 6.95 76.26 0 10 0.00 100.00 0.00 700.19 0.00 100.00 0.00 13.89

19 > 100,000 500,000 300,000 44 2,811 1.56 99.75 1,499.55 6,538.80 22.69 98.95 0 10 0.00 100.00 0.00 700.19 0.00 100.00 0.00 10.71

20 > 500,000 7 2,818 0.25 100.00 69.40 6,608.20 1.05 100.00 0 10 0.00 100.00 0.00 700.19 0.00 100.00 0.00 10.60

T O T A L 2,818 6,608.20 10 700.19 10.60

Page 121 of 204





1 0 50 25 2,012 2,012 13.27 13.27 1,019.68 1,019.68 5.56 5.56 4 4 7.27 7.27 91.86 91.86 1.58 1.58 9.01 9.01

2 > 50 100 75 2,593 4,605 17.10 30.38 500.75 1,520.43 2.73 8.29 4 8 7.27 14.55 129.70 221.56 2.24 3.82 25.90 14.57

3 > 100 200 150 4,006 8,611 26.42 56.80 1,523.45 3,043.88 8.31 16.61 5 13 9.09 23.64 182.67 404.23 3.15 6.97 11.99 13.28

4 > 200 300 250 2,137 10,748 14.10 70.90 1,264.59 4,308.47 6.90 23.50 5 18 9.09 32.73 88.15 492.38 1.52 8.50 6.97 11.43

5 > 300 500 400 1,990 12,738 13.13 84.02 1,867.32 6,175.79 10.19 33.69 2 20 3.64 36.36 157.95 650.33 2.73 11.22 8.46 10.53

6 > 500 750 625 682 13,420 4.50 88.52 982.32 7,158.12 5.36 39.05 2 22 3.64 40.00 0.45 650.78 0.01 11.23 0.05 9.09

7 > 750 1,000 875 523 13,943 3.45 91.97 1,089.05 8,247.16 5.94 44.99 2 24 3.64 43.64 12.51 663.29 0.22 11.44 1.15 8.04

8 > 1,000 1,500 1,250 359 14,302 2.37 94.34 928.01 9,175.17 5.06 50.05 6 30 10.91 54.55 345.62 1,008.91 5.96 17.41 37.24 11.00

CLAIM FREQUENCY



LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

8 > 1,000 1,500 1,250 359 14,302 2.37 94.34 928.01 9,175.17 5.06 50.05 6 30 10.91 54.55 345.62 1,008.91 5.96 17.41 37.24 11.00

9 > 1,500 2,000 1,750 176 14,478 1.16 95.50 561.68 9,736.85 3.06 53.12 5 35 9.09 63.64 564.68 1,573.59 9.74 27.15 100.53 16.16

10 > 2,000 2,500 2,250 95 14,573 0.63 96.13 306.12 10,042.98 1.67 54.79 2 37 3.64 67.27 147.25 1,720.84 2.54 29.69 48.10 17.13

11 > 2,500 3,000 2,750 72 14,645 0.47 96.60 267.05 10,310.03 1.46 56.24 0 37 0.00 67.27 0.00 1,720.84 0.00 29.69 0.00 16.69

12 > 3,000 4,000 3,500 91 14,736 0.60 97.20 499.33 10,809.36 2.72 58.97 3 40 5.45 72.73 3,959.20 5,680.04 68.31 98.00 792.90 52.55

13 > 4,000 5,000 4,500 62 14,798 0.41 97.61 314.52 11,123.88 1.72 60.68 0 40 0.00 72.73 0.00 5,680.04 0.00 98.00 0.00 51.06

14 > 5,000 7,500 6,250 99 14,897 0.65 98.27 615.65 11,739.53 3.36 64.04 0 40 0.00 72.73 0.00 5,680.04 0.00 98.00 0.00 48.38

15 > 7,500 10,000 8,750 46 14,943 0.30 98.57 428.55 12,168.08 2.34 66.38 3 43 5.45 78.18 57.77 5,737.81 1.00 99.00 13.48 47.15

16 > 10,000 20,000 15,000 74 15,017 0.49 99.06 868.96 13,037.04 4.74 71.12 0 43 0.00 78.18 0.00 5,737.81 0.00 99.00 0.00 44.01

17 > 20,000 50,000 35,000 60 15,077 0.40 99.45 1,082.89 14,119.93 5.91 77.03 0 43 0.00 78.18 0.00 5,737.81 0.00 99.00 0.00 40.64

18 > 50,000 100,000 75,000 43 15,120 0.28 99.74 584.27 14,704.20 3.19 80.22 0 43 0.00 78.18 0.00 5,737.81 0.00 99.00 0.00 39.02

19 > 100,000 500,000 300,000 21 15,141 0.14 99.87 731.18 15,435.38 3.99 84.20 12 55 21.82 100.00 58.09 5,795.89 1.00 100.00 7.94 37.55

20 > 500,000 19 15,160 0.13 100.00 2,895.45 18,330.83 15.80 100.00 0 55 0.00 100.00 0.00 5,795.89 0.00 100.00 0.00 31.62

T O T A L 15,160 18,330.83 55 5,795.89 31.62T O T A L 15,160 18,330.83 55 5,795.89 31.62

Page 122 of 204





1 0 50 25 15,584 15,584 16.03 16.03 13,982.80 13,982.80 8.67 8.67 33 33 5.03 5.03 181.25 181.25 0.23 0.23 1.30 1.30

2 > 50 100 75 12,189 27,773 12.54 28.57 1,868.51 15,851.31 1.16 9.82 26 59 3.96 8.99 550.78 732.03 0.71 0.94 29.48 4.62

3 > 100 200 150 16,460 44,233 16.93 45.50 4,445.61 20,296.92 2.76 12.58 35 94 5.34 14.33 883.07 1,615.10 1.14 2.08 19.86 7.96

4 > 200 300 250 11,084 55,317 11.40 56.91 5,404.84 25,701.76 3.35 15.93 19 113 2.90 17.23 1,266.87 2,881.97 1.63 3.71 23.44 11.21

5 > 300 500 400 12,781 68,098 13.15 70.06 9,336.41 35,038.17 5.79 21.72 44 157 6.71 23.93 1,040.76 3,922.73 1.34 5.05 11.15 11.20

6 > 500 750 625 6,370 74,468 6.55 76.61 7,121.03 42,159.20 4.41 26.13 53 210 8.08 32.01 2,530.39 6,453.12 3.26 8.31 35.53 15.31

7 > 750 1,000 875 4,642 79,110 4.78 81.38 6,985.35 49,144.55 4.33 30.46 29 239 4.42 36.43 1,535.41 7,988.53 1.98 10.28 21.98 16.26


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES


7 > 750 1,000 875 4,642 79,110 4.78 81.38 6,985.35 49,144.55 4.33 30.46 29 239 4.42 36.43 1,535.41 7,988.53 1.98 10.28 21.98 16.26

8 > 1,000 1,500 1,250 3,988 83,098 4.10 85.49 7,718.13 56,862.68 4.78 35.24 46 285 7.01 43.45 2,925.16 10,913.69 3.77 14.05 37.90 19.19

9 > 1,500 2,000 1,750 2,498 85,596 2.57 88.06 5,779.64 62,642.32 3.58 38.83 42 327 6.40 49.85 5,347.30 16,260.99 6.88 20.93 92.52 25.96

10 > 2,000 2,500 2,250 1,517 87,113 1.56 89.62 4,451.45 67,093.76 2.76 41.59 20 347 3.05 52.90 2,204.77 18,465.76 2.84 23.77 49.53 27.52

11 > 2,500 3,000 2,750 1,323 88,436 1.36 90.98 3,838.99 70,932.76 2.38 43.97 39 386 5.95 58.84 5,884.51 24,350.27 7.58 31.35 153.28 34.33

12 > 3,000 4,000 3,500 1,612 90,048 1.66 92.64 5,364.31 76,297.06 3.32 47.29 19 405 2.90 61.74 216.56 24,566.83 0.28 31.63 4.04 32.20

13 > 4,000 5,000 4,500 1,145 91,193 1.18 93.82 4,660.22 80,957.28 2.89 50.18 8 413 1.22 62.96 4,148.85 28,715.67 5.34 36.97 89.03 35.47

14 > 5,000 7,500 6,250 1,458 92,651 1.50 95.32 8,037.89 88,995.18 4.98 55.16 42 455 6.40 69.36 10,103.21 38,818.88 13.01 49.98 125.69 43.62

15 > 7,500 10,000 8,750 888 93,539 0.91 96.23 7,433.92 96,429.09 4.61 59.77 30 485 4.57 73.93 7,561.71 46,380.59 9.74 59.71 101.72 48.10

16 > 10,000 20,000 15,000 1,317 94,856 1.35 97.58 14,943.56 111,372.65 9.26 69.03 30 515 4.57 78.51 897.15 47,277.74 1.16 60.87 6.00 42.45

17 > 20,000 50,000 35,000 1,158 96,014 1.19 98.77 17,191.73 128,564.38 10.66 79.69 68 583 10.37 88.87 23,467.52 70,745.26 30.21 91.08 136.50 55.03

18 > 50,000 100,000 75,000 576 96,590 0.59 99.37 12,457.84 141,022.23 7.72 87.41 41 624 6.25 95.12 1,064.14 71,809.40 1.37 92.45 8.54 50.92

19 > 100,000 500,000 300,000 487 97,077 0.50 99.87 15,772.02 156,794.25 9.78 97.18 24 648 3.66 98.78 5,762.87 77,572.28 7.42 99.87 36.54 49.47

20 > 500,000 128 97,205 0.13 100.00 4,542.79 161,337.04 2.82 100.00 8 656 1.22 100.00 101.71 77,673.98 0.13 100.00 2.24 48.1420 > 500,000 128 97,205 0.13 100.00 4,542.79 161,337.04 2.82 100.00 8 656 1.22 100.00 101.71 77,673.98 0.13 100.00 2.24 48.14

T O T A L 97,205 161,337.04 656 77,673.98 48.14

Page 123 of 204





1 0 50 25 5,369 5,369 10.76 10.76 3,123.40 3,123.40 5.41 5.41 10 10 6.17 6.17 78.98 78.98 0.35 0.35 2.53 2.53

2 > 50 100 75 6,549 11,918 13.12 23.88 1,111.73 4,235.14 1.92 7.33 9 19 5.56 11.73 141.79 220.77 0.62 0.97 12.75 5.21

3 > 100 200 150 11,080 22,998 22.20 46.08 3,191.21 7,426.35 5.52 12.85 0 19 0.00 11.73 0.00 220.77 0.00 0.97 0.00 2.97

4 > 200 300 250 7,476 30,474 14.98 61.06 2,912.65 10,338.99 5.04 17.89 11 30 6.79 18.52 676.69 897.45 2.97 3.94 23.23 8.68

5 > 300 500 400 7,065 37,539 14.16 75.22 15,356.21 25,695.20 26.58 44.47 23 53 14.20 32.72 2,048.31 2,945.76 8.99 12.93 13.34 11.46

6 > 500 750 625 2,880 40,419 5.77 80.99 3,306.03 29,001.22 5.72 50.19 0 53 0.00 32.72 0.00 2,945.76 0.00 12.93 0.00 10.16

7 > 750 1,000 875 2,215 42,634 4.44 85.43 3,536.92 32,538.15 6.12 56.31 6 59 3.70 36.42 654.11 3,599.87 2.87 15.80 18.49 11.06

NUMBER OF POLICIES

f F RP f FPERCENTAGEPERCENTAGE


rp RPBAND

rp

SUM INSURED CLAIM SEVERITY (in million Rupiah)(in million) Mid Points PERCENTAGE

LOSS RATIOCLAIM FREQUENCY

8 > 1,000 1,500 1,250 1,566 44,200 3.14 88.56 3,159.51 35,697.66 5.47 61.78 7 66 4.32 40.74 60.66 3,660.53 0.27 16.06 1.92 10.25

9 > 1,500 2,000 1,750 990 45,190 1.98 90.55 2,138.15 37,835.81 3.70 65.48 2 68 1.23 41.98 110.54 3,771.07 0.49 16.55 5.17 9.97

10 > 2,000 2,500 2,250 600 45,790 1.20 91.75 1,397.14 39,232.95 2.42 67.90 4 72 2.47 44.44 138.14 3,909.22 0.61 17.15 9.89 9.96

11 > 2,500 3,000 2,750 512 46,302 1.03 92.78 1,275.89 40,508.84 2.21 70.11 14 86 8.64 53.09 2,580.77 6,489.99 11.32 28.48 202.27 16.02

12 > 3,000 4,000 3,500 698 47,000 1.40 94.18 1,732.84 42,241.68 3.00 73.10 0 86 0.00 53.09 0.00 6,489.99 0.00 28.48 0.00 15.36

13 > 4,000 5,000 4,500 651 47,651 1.30 95.48 1,606.86 43,848.55 2.78 75.89 4 90 2.47 55.56 100.99 6,590.98 0.44 28.92 6.29 15.03

14 > 5,000 7,500 6,250 766 48,417 1.53 97.01 2,371.62 46,220.17 4.10 79.99 21 111 12.96 68.52 1,540.62 8,131.61 6.76 35.68 64.96 17.59

15 > 7,500 10,000 8,750 494 48,911 0.99 98.00 1,804.99 48,025.16 3.12 83.11 7 118 4.32 72.84 974.54 9,106.15 4.28 39.96 53.99 18.96

16 > 10,000 20,000 15,000 533 49,444 1.07 99.07 3,209.03 51,234.19 5.55 88.67 12 130 7.41 80.25 776.89 9,883.04 3.41 43.37 24.21 19.29

17 > 20,000 50,000 35,000 257 49,701 0.51 99.59 3,504.27 54,738.46 6.06 94.73 13 143 8.02 88.27 788.55 10,671.59 3.46 46.83 22.50 19.50

18 > 50,000 100,000 75,000 93 49,794 0.19 99.77 1,507.06 56,245.52 2.61 97.34 8 151 4.94 93.21 195.40 10,866.99 0.86 47.69 12.97 19.32

19 > 100,000 500,000 300,000 81 49,875 0.16 99.94 1,218.21 57,463.73 2.11 99.45 7 158 4.32 97.53 11,919.96 22,786.95 52.31 99.99 978.48 39.65

20 > 500,000 32 49,907 0.06 100.00 318.70 57,782.44 0.55 100.00 4 162 2.47 100.00 1.66 22,788.61 0.01 100.00 0.52 39.44

T O T A L 49,907 57,782.44 162 22,788.61 39.44

Page 124 of 204





1 0 50 25 5,840 5,840 12.41 12.41 3,411.46 3,411.46 5.15 5.15 17 17 4.99 4.99 115.80 115.80 0.34 0.34 3.39 3.39

2 > 50 100 75 5,830 11,670 12.39 24.80 1,380.07 4,791.53 2.08 7.23 6 23 1.76 6.74 172.24 288.03 0.51 0.85 12.48 6.01

3 > 100 200 150 8,295 19,965 17.62 42.42 2,643.34 7,434.87 3.99 11.22 18 41 5.28 12.02 510.12 798.15 1.50 2.34 19.30 10.74

4 > 200 300 250 6,172 26,137 13.11 55.54 3,371.51 10,806.38 5.09 16.31 11 52 3.23 15.25 465.48 1,263.63 1.37 3.71 13.81 11.69

5 > 300 500 400 6,796 32,933 14.44 69.97 6,410.95 17,217.33 9.67 25.98 15 67 4.40 19.65 678.59 1,942.22 1.99 5.70 10.58 11.28

6 > 500 750 625 2,932 35,865 6.23 76.20 4,006.47 21,223.80 6.05 32.03 19 86 5.57 25.22 1,637.55 3,579.77 4.81 10.50 40.87 16.87

7 > 750 1,000 875 2,063 37,928 4.38 80.59 3,603.93 24,827.72 5.44 37.47 17 103 4.99 30.21 2,940.96 6,520.73 8.63 19.13 81.60 26.26

PERCENTAGE PERCENTAGEORIGINAL PREMIUM (in million Rupiah)

RPBAND

rp


NUMBER OF POLICIES

f FMid Points


LOSS RATIO


rp

8 > 1,000 1,500 1,250 1,968 39,896 4.18 84.77 3,455.73 28,283.45 5.21 42.68 33 136 9.68 39.88 1,172.82 7,693.55 3.44 22.58 33.94 27.20

9 > 1,500 2,000 1,750 1,192 41,088 2.53 87.30 2,490.45 30,773.90 3.76 46.44 8 144 2.35 42.23 144.36 7,837.90 0.42 23.00 5.80 25.47

10 > 2,000 2,500 2,250 733 41,821 1.56 88.86 1,837.38 32,611.28 2.77 49.21 9 153 2.64 44.87 4,354.10 12,192.00 12.78 35.78 236.97 37.39

11 > 2,500 3,000 2,750 669 42,490 1.42 90.28 1,790.93 34,402.21 2.70 51.92 0 153 0.00 44.87 0.00 12,192.00 0.00 35.78 0.00 35.44

12 > 3,000 4,000 3,500 776 43,266 1.65 91.93 2,106.16 36,508.37 3.18 55.09 6 159 1.76 46.63 136.50 12,328.50 0.40 36.18 6.48 33.77

13 > 4,000 5,000 4,500 635 43,901 1.35 93.28 2,075.08 38,583.45 3.13 58.23 6 165 1.76 48.39 4,268.22 16,596.73 12.52 48.70 205.69 43.02

14 > 5,000 7,500 6,250 692 44,593 1.47 94.75 2,673.20 41,256.65 4.03 62.26 10 175 2.93 51.32 115.94 16,712.67 0.34 49.04 4.34 40.51

15 > 7,500 10,000 8,750 485 45,078 1.03 95.78 2,024.16 43,280.81 3.05 65.31 2 177 0.59 51.91 35.41 16,748.08 0.10 49.14 1.75 38.70

16 > 10,000 20,000 15,000 651 45,729 1.38 97.16 4,755.10 48,035.91 7.18 72.49 22 199 6.45 58.36 7,923.35 24,671.44 23.25 72.39 166.63 51.36

17 > 20,000 50,000 35,000 533 46,262 1.13 98.30 6,665.18 54,701.09 10.06 82.55 18 217 5.28 63.64 533.24 25,204.67 1.56 73.96 8.00 46.08

18 > 50,000 100,000 75,000 352 46,614 0.75 99.04 4,923.90 59,624.99 7.43 89.98 35 252 10.26 73.90 2,256.77 27,461.44 6.62 80.58 45.83 46.06

19 > 100,000 500,000 300,000 379 46,993 0.81 99.85 5,958.00 65,582.99 8.99 98.97 72 324 21.11 95.01 1,647.86 29,109.30 4.84 85.42 27.66 44.39

20 > 500,000 71 47,064 0.15 100.00 682.27 66,265.26 1.03 100.00 17 341 4.99 100.00 4,970.31 34,079.61 14.58 100.00 728.49 51.43

T O T A L 47,064 66,265.26 341 34,079.61 51.43

Page 125 of 204





1 0 50 25 2,283 2,283 15.34 15.34 1,078.63 1,078.63 5.27 5.27 6 6 11.54 11.54 75.91 75.91 1.96 1.96 7.04 7.04

2 > 50 100 75 2,343 4,626 15.74 31.08 478.53 1,557.17 2.34 7.61 2 8 3.85 15.38 15.57 91.47 0.40 2.36 3.25 5.87

3 > 100 200 150 3,154 7,780 21.19 52.27 1,114.80 2,671.96 5.45 13.06 7 15 13.46 28.85 368.04 459.51 9.49 11.85 33.01 17.20

4 > 200 300 250 1,953 9,733 13.12 65.39 1,288.49 3,960.45 6.30 19.35 0 15 0.00 28.85 0.00 459.51 0.00 11.85 0.00 11.60

5 > 300 500 400 1,828 11,561 12.28 77.67 1,837.32 5,797.78 8.98 28.33 13 28 25.00 53.85 742.22 1,201.73 19.15 31.00 40.40 20.73

6 > 500 750 625 811 12,372 5.45 83.12 1,159.95 6,957.72 5.67 34.00 4 32 7.69 61.54 25.01 1,226.73 0.65 31.64 2.16 17.63

7 > 750 1,000 875 517 12,889 3.47 86.60 994.65 7,952.37 4.86 38.86 2 34 3.85 65.38 990.81 2,217.54 25.56 57.20 99.61 27.89

8 > 1,000 1,500 1,250 442 13,331 2.97 89.57 882.49 8,834.86 4.31 43.17 0 34 0.00 65.38 0.00 2,217.54 0.00 57.20 0.00 25.10


RPBAND

rp


NUMBER OF POLICIES

f FMid Points


LOSS RATIO


rp

8 > 1,000 1,500 1,250 442 13,331 2.97 89.57 882.49 8,834.86 4.31 43.17 0 34 0.00 65.38 0.00 2,217.54 0.00 57.20 0.00 25.10

9 > 1,500 2,000 1,750 267 13,598 1.79 91.36 759.96 9,594.82 3.71 46.88 2 36 3.85 69.23 1,103.60 3,321.14 28.47 85.67 145.22 34.61

10 > 2,000 2,500 2,250 176 13,774 1.18 92.54 553.33 10,148.15 2.70 49.59 0 36 0.00 69.23 0.00 3,321.14 0.00 85.67 0.00 32.73

11 > 2,500 3,000 2,750 126 13,900 0.85 93.39 299.82 10,447.97 1.46 51.05 0 36 0.00 69.23 0.00 3,321.14 0.00 85.67 0.00 31.79

12 > 3,000 4,000 3,500 164 14,064 1.10 94.49 697.85 11,145.82 3.41 54.46 0 36 0.00 69.23 0.00 3,321.14 0.00 85.67 0.00 29.80

13 > 4,000 5,000 4,500 109 14,173 0.73 95.22 498.69 11,644.51 2.44 56.90 0 36 0.00 69.23 0.00 3,321.14 0.00 85.67 0.00 28.52

14 > 5,000 7,500 6,250 190 14,363 1.28 96.50 1,107.20 12,751.71 5.41 62.31 2 38 3.85 73.08 19.36 3,340.50 0.50 86.17 1.75 26.20

15 > 7,500 10,000 8,750 95 14,458 0.64 97.14 647.27 13,398.98 3.16 65.47 0 38 0.00 73.08 0.00 3,340.50 0.00 86.17 0.00 24.93

16 > 10,000 20,000 15,000 137 14,595 0.92 98.06 1,136.53 14,535.52 5.55 71.02 0 38 0.00 73.08 0.00 3,340.50 0.00 86.17 0.00 22.98

17 > 20,000 50,000 35,000 98 14,693 0.66 98.72 1,345.83 15,881.35 6.58 77.60 5 43 9.62 82.69 204.15 3,544.65 5.27 91.43 15.17 22.32

18 > 50,000 100,000 75,000 94 14,787 0.63 99.35 1,563.26 17,444.61 7.64 85.24 5 48 9.62 92.31 311.92 3,856.57 8.05 99.48 19.95 22.11

19 > 100,000 500,000 300,000 84 14,871 0.56 99.91 818.89 18,263.50 4.00 89.24 2 50 3.85 96.15 6.66 3,863.22 0.17 99.65 0.81 21.15

20 > 500,000 13 14,884 0.09 100.00 2,202.01 20,465.52 10.76 100.00 2 52 3.85 100.00 13.57 3,876.80 0.35 100.00 0.62 18.94

T O T A L 14,884 20,465.52 52 3,876.80 18.94T O T A L 14,884 20,465.52 52 3,876.80 18.94

Page 126 of 204





1 0 50 25 4,840 4,840 14.04 14.04 2,836.20 2,836.20 5.58 5.58 20 20 7.97 7.97 34.79 34.79 0.15 0.15 1.23 1.23

2 > 50 100 75 3,522 8,362 10.22 24.26 593.78 3,429.98 1.17 6.74 6 26 2.39 10.36 156.15 190.94 0.67 0.82 26.30 5.57

3 > 100 200 150 5,884 14,246 17.07 41.33 1,548.53 4,978.51 3.04 9.79 4 30 1.59 11.95 77.43 268.37 0.33 1.16 5.00 5.39

4 > 200 300 250 4,027 18,273 11.68 53.01 1,889.42 6,867.92 3.71 13.50 12 42 4.78 16.73 556.35 824.72 2.40 3.56 29.45 12.01

5 > 300 500 400 4,511 22,784 13.09 66.09 3,558.55 10,426.48 7.00 20.50 6 48 2.39 19.12 428.85 1,253.57 1.85 5.41 12.05 12.02

6 > 500 750 625 2,248 25,032 6.52 72.61 2,759.58 13,186.05 5.42 25.92 15 63 5.98 25.10 1,022.82 2,276.39 4.41 9.82 37.06 17.26

7 > 750 1,000 875 1,741 26,773 5.05 77.66 2,907.65 16,093.71 5.72 31.64 15 78 5.98 31.08 1,226.41 3,502.81 5.29 15.12 42.18 21.77


BANDrp


(in million)

NUMBER OF POLICIES


CLAIM FREQUENCY

PERCENTAGE

LOSS RATIO

RPPERCENTAGE


rp RP

7 > 750 1,000 875 1,741 26,773 5.05 77.66 2,907.65 16,093.71 5.72 31.64 15 78 5.98 31.08 1,226.41 3,502.81 5.29 15.12 42.18 21.77

8 > 1,000 1,500 1,250 1,381 28,154 4.01 81.67 2,790.03 18,883.74 5.48 37.12 18 96 7.17 38.25 506.35 4,009.16 2.19 17.30 18.15 21.23

9 > 1,500 2,000 1,750 969 29,123 2.81 84.48 2,128.16 21,011.91 4.18 41.31 6 102 2.39 40.64 1,566.57 5,575.73 6.76 24.06 73.61 26.54

10 > 2,000 2,500 2,250 577 29,700 1.67 86.15 1,194.06 22,205.97 2.35 43.65 4 106 1.59 42.23 14.05 5,589.78 0.06 24.12 1.18 25.17

11 > 2,500 3,000 2,750 559 30,259 1.62 87.78 1,240.10 23,446.07 2.44 46.09 8 114 3.19 45.42 65.17 5,654.95 0.28 24.41 5.26 24.12

12 > 3,000 4,000 3,500 637 30,896 1.85 89.62 1,626.54 25,072.61 3.20 49.29 8 122 3.19 48.61 7,031.09 12,686.03 30.34 54.75 432.27 50.60

13 > 4,000 5,000 4,500 542 31,438 1.57 91.20 1,403.25 26,475.86 2.76 52.05 2 124 0.80 49.40 9.00 12,695.03 0.04 54.79 0.64 47.95

14 > 5,000 7,500 6,250 576 32,014 1.67 92.87 2,186.27 28,662.14 4.30 56.34 6 130 2.39 51.79 865.68 13,560.71 3.74 58.52 39.60 47.31

15 > 7,500 10,000 8,750 520 32,534 1.51 94.38 2,012.35 30,674.49 3.96 60.30 1 131 0.40 52.19 0.00 13,560.71 0.00 58.52 0.00 44.21

16 > 10,000 20,000 15,000 746 33,280 2.16 96.54 5,021.76 35,696.25 9.87 70.17 35 166 13.94 66.14 1,137.28 14,697.99 4.91 63.43 22.65 41.18

17 > 20,000 50,000 35,000 475 33,755 1.38 97.92 4,493.99 40,190.24 8.83 79.01 12 178 4.78 70.92 200.65 14,898.64 0.87 64.30 4.46 37.07

18 > 50,000 100,000 75,000 234 33,989 0.68 98.60 2,605.72 42,795.96 5.12 84.13 7 185 2.79 73.71 88.34 14,986.98 0.38 64.68 3.39 35.02

19 > 100,000 500,000 300,000 367 34,356 1.06 99.66 5,701.13 48,497.09 11.21 95.34 50 235 19.92 93.63 5,877.60 20,864.58 25.37 90.05 103.10 43.02

20 > 500,000 117 34,473 0.34 100.00 2,372.35 50,869.44 4.66 100.00 16 251 6.37 100.00 2,306.48 23,171.06 9.95 100.00 97.22 45.55

T O T A L 34,473 50,869.44 251 23,171.06 45.55

Page 127 of 204





1 0 50 25 2,289 2,289 16.23 16.23 1,000.31 1,000.31 8.89 8.89 4 4 7.69 7.69 38.48 38.48 1.16 1.16 3.85 3.85

2 > 50 100 75 2,552 4,841 18.10 34.33 421.45 1,421.75 3.75 12.64 4 8 7.69 15.38 139.70 178.18 4.21 5.37 33.15 12.53

3 > 100 200 150 3,305 8,146 23.44 57.77 941.06 2,362.81 8.37 21.00 4 12 7.69 23.08 11.21 189.39 0.34 5.70 1.19 8.02

4 > 200 300 250 1,947 10,093 13.81 71.58 861.80 3,224.61 7.66 28.67 7 19 13.46 36.54 110.21 299.60 3.32 9.02 12.79 9.29

5 > 300 500 400 1,607 11,700 11.40 82.97 1,291.38 4,515.99 11.48 40.15 2 21 3.85 40.38 4.82 304.41 0.15 9.17 0.37 6.74

6 > 500 750 625 643 12,343 4.56 87.53 777.56 5,293.55 6.91 47.06 4 25 7.69 48.08 8.76 313.18 0.26 9.43 1.13 5.92

7 > 750 1,000 875 410 12,753 2.91 90.44 710.69 6,004.24 6.32 53.38 6 31 11.54 59.62 1,693.30 2,006.48 51.01 60.44 238.26 33.42

8 > 1,000 1,500 1,250 270 13,023 1.91 92.36 539.58 6,543.82 4.80 58.17 0 31 0.00 59.62 0.00 2,006.48 0.00 60.44 0.00 30.66

NUMBER OF POLICIES

f FMid Points PERCENTAGE(in million)


RPPERCENTAGEBAND

rp

SUM INSURED CLAIM SEVERITY (in million Rupiah)PERCENTAGE


LOSS RATIO

f FPERCENTAGE

rp RP

8 > 1,000 1,500 1,250 270 13,023 1.91 92.36 539.58 6,543.82 4.80 58.17 0 31 0.00 59.62 0.00 2,006.48 0.00 60.44 0.00 30.66

9 > 1,500 2,000 1,750 141 13,164 1.00 93.36 299.01 6,842.83 2.66 60.83 3 34 5.77 65.38 458.41 2,464.89 13.81 74.25 153.31 36.02

10 > 2,000 2,500 2,250 101 13,265 0.72 94.07 242.73 7,085.55 2.16 62.99 3 37 5.77 71.15 34.17 2,499.06 1.03 75.28 14.08 35.27

11 > 2,500 3,000 2,750 105 13,370 0.74 94.82 300.34 7,385.89 2.67 65.66 0 37 0.00 71.15 0.00 2,499.06 0.00 75.28 0.00 33.84

12 > 3,000 4,000 3,500 112 13,482 0.79 95.61 299.41 7,685.31 2.66 68.32 0 37 0.00 71.15 0.00 2,499.06 0.00 75.28 0.00 32.52

13 > 4,000 5,000 4,500 87 13,569 0.62 96.23 239.15 7,924.45 2.13 70.45 0 37 0.00 71.15 0.00 2,499.06 0.00 75.28 0.00 31.54

14 > 5,000 7,500 6,250 116 13,685 0.82 97.05 501.44 8,425.89 4.46 74.90 0 37 0.00 71.15 0.00 2,499.06 0.00 75.28 0.00 29.66

15 > 7,500 10,000 8,750 76 13,761 0.54 97.59 513.87 8,939.76 4.57 79.47 4 41 7.69 78.85 79.20 2,578.26 2.39 77.66 15.41 28.84

16 > 10,000 20,000 15,000 135 13,896 0.96 98.55 731.70 9,671.46 6.50 85.98 4 45 7.69 86.54 47.49 2,625.76 1.43 79.09 6.49 27.15

17 > 20,000 50,000 35,000 130 14,026 0.92 99.47 784.17 10,455.63 6.97 92.95 1 46 1.92 88.46 0.00 2,625.76 0.00 79.09 0.00 25.11

18 > 50,000 100,000 75,000 48 14,074 0.34 99.81 574.11 11,029.74 5.10 98.05 2 48 3.85 92.31 23.11 2,648.87 0.70 79.79 4.02 24.02

19 > 100,000 500,000 300,000 16 14,090 0.11 99.92 134.61 11,164.36 1.20 99.25 2 50 3.85 96.15 21.60 2,670.47 0.65 80.44 16.05 23.92

20 > 500,000 11 14,101 0.08 100.00 84.49 11,248.84 0.75 100.00 2 52 3.85 100.00 649.34 3,319.81 19.56 100.00 768.56 29.51

T O T A L 14,101 11,248.84 52 3,319.81 29.51T O T A L 14,101 11,248.84 52 3,319.81 29.51

Page 128 of 204




1 0 50 25 4,022 4,022 14.97 14.97 2,905.78 2,905.78 6.30 6.30 4 4 2.05 2.05 18.00 18.00 0.02 0.02 0.62 0.62

2 > 50 100 75 4,132 8,154 15.38 30.36 488.43 3,394.22 1.06 7.36 4 8 2.05 4.10 83.03 101.03 0.08 0.10 17.00 2.98

3 > 100 200 150 5,835 13,989 21.72 52.08 1,306.14 4,700.35 2.83 10.19 3 11 1.54 5.64 6.65 107.68 0.01 0.10 0.51 2.29

4 > 200 300 250 3,046 17,035 11.34 63.42 1,320.12 6,020.47 2.86 13.05 4 15 2.05 7.69 11.34 119.02 0.01 0.11 0.86 1.98

5 > 300 500 400 2,974 20,009 11.07 74.50 2,265.97 8,286.45 4.91 17.96 1 16 0.51 8.21 0.00 119.02 0.00 0.11 0.00 1.44

6 > 500 750 625 1,408 21,417 5.24 79.74 1,663.88 9,950.33 3.61 21.57 2 18 1.03 9.23 13.33 132.35 0.01 0.13 0.80 1.33

(in million)ORIGINAL PREMIUM (in million Rupiah) CLAIM FREQUENCY

PERCENTAGELOSS RATIO


rp

SUM INSURED

f F rp RP


NUMBER OF POLICIES

6 > 500 750 625 1,408 21,417 5.24 79.74 1,663.88 9,950.33 3.61 21.57 2 18 1.03 9.23 13.33 132.35 0.01 0.13 0.80 1.33

7 > 750 1,000 875 1,000 22,417 3.72 83.46 1,407.57 11,357.89 3.05 24.62 0 18 0.00 9.23 0.00 132.35 0.00 0.13 0.00 1.17

8 > 1,000 1,500 1,250 785 23,202 2.92 86.38 1,683.32 13,041.21 3.65 28.27 3 21 1.54 10.77 421.14 553.49 0.40 0.53 25.02 4.24

9 > 1,500 2,000 1,750 501 23,703 1.87 88.25 1,302.41 14,343.62 2.82 31.09 5 26 2.56 13.33 341.34 894.83 0.33 0.86 26.21 6.24

10 > 2,000 2,500 2,250 322 24,025 1.20 89.45 1,028.52 15,372.15 2.23 33.32 4 30 2.05 15.38 227.03 1,121.86 0.22 1.07 22.07 7.30

11 > 2,500 3,000 2,750 309 24,334 1.15 90.60 865.26 16,237.41 1.88 35.19 2 32 1.03 16.41 2.00 1,123.86 0.00 1.07 0.23 6.92

12 > 3,000 4,000 3,500 361 24,695 1.34 91.94 1,317.84 17,555.24 2.86 38.05 8 40 4.10 20.51 667.17 1,791.02 0.64 1.71 50.63 10.20

13 > 4,000 5,000 4,500 237 24,932 0.88 92.83 965.15 18,520.39 2.09 40.14 9 49 4.62 25.13 1,190.81 2,981.84 1.14 2.85 123.38 16.10

14 > 5,000 7,500 6,250 363 25,295 1.35 94.18 1,720.31 20,240.70 3.73 43.87 10 59 5.13 30.26 396.26 3,378.10 0.38 3.23 23.03 16.69

15 > 7,500 10,000 8,750 231 25,526 0.86 95.04 1,542.32 21,783.02 3.34 47.21 8 67 4.10 34.36 66.63 3,444.73 0.06 3.29 4.32 15.81

16 > 10,000 20,000 15,000 409 25,935 1.52 96.56 3,863.69 25,646.71 8.37 55.59 20 87 10.26 44.62 441.95 3,886.68 0.42 3.72 11.44 15.15

17 > 20,000 50,000 35,000 391 26,326 1.46 98.02 5,368.96 31,015.67 11.64 67.22 24 111 12.31 56.92 2,381.04 6,267.72 2.28 5.99 44.35 20.21

18 > 50,000 100,000 75,000 182 26,508 0.68 98.69 3,354.99 34,370.66 7.27 74.49 21 132 10.77 67.69 94,840.66 101,108.38 90.70 96.69 2,826,86 294.17

19 > 100,000 500,000 300,000 270 26,778 1.01 99.70 6,874.42 41,245.08 14.90 89.39 29 161 14.87 82.56 905.09 102,013.47 0.87 97.56 13.17 247.3319 > 100,000 500,000 300,000 270 26,778 1.01 99.70 6,874.42 41,245.08 14.90 89.39 29 161 14.87 82.56 905.09 102,013.47 0.87 97.56 13.17 247.33

20 > 500,000 81 26,859 0.30 100.00 4,893.20 46,138.27 10.61 100.00 34 195 17.44 100.00 2,554.96 104,568.43 2.44 100.00 52.21 226.64

T O T A L 26,859 46,138.27 195 104,568.43 226.64

Page 129 of 204




1 0 50 25 28,619 28,619 11.15 11.15 32,154.91 32,154.91 6.13 6.13 248 248 7.46 7.46 1,598.82 1,598.82 0.44 0.44 4.97 4.97

2 > 50 100 75 15,386 44,005 5.99 17.15 4,162.75 36,317.66 0.79 6.92 134 382 4.03 11.49 2,778.89 4,377.71 0.76 1.20 66.76 12.05

3 > 100 200 150 25,249 69,254 9.84 26.98 7,405.30 43,722.95 1.41 8.34 146 528 4.39 15.88 4,066.43 8,444.14 1.11 2.31 54.91 19.31

4 > 200 300 250 21,644 90,898 8.43 35.42 8,730.32 52,453.27 1.66 10.00 93 621 2.80 18.68 4,149.48 12,593.62 1.14 3.45 47.53 24.01

5 > 300 500 400 34,899 125,797 13.60 49.01 22,027.51 74,480.77 4.20 14.20 157 778 4.72 23.41 9,071.67 21,665.29 2.49 5.94 41.18 29.09

rp RP


NUMBER OF POLICIES(in million)


LOSS RATIO


rp

SUM INSURED

f F

6 > 500 750 625 23,315 149,112 9.08 58.10 20,056.06 94,536.83 3.82 18.03 124 902 3.73 27.14 8,243.98 29,909.27 2.26 8.19 41.10 31.64

7 > 750 1,000 875 19,326 168,438 7.53 65.63 23,382.82 117,919.65 4.46 22.48 98 1,000 2.95 30.08 7,101.40 37,010.67 1.95 10.14 30.37 31.39

8 > 1,000 1,500 1,250 17,581 186,019 6.85 72.48 27,161.32 145,080.97 5.18 27.66 101 1,101 3.04 33.12 5,228.39 42,239.06 1.43 11.57 19.25 29.11

9 > 1,500 2,000 1,750 11,657 197,676 4.54 77.02 22,063.91 167,144.87 4.21 31.87 114 1,215 3.43 36.55 11,421.87 53,660.94 3.13 14.70 51.77 32.10

10 > 2,000 2,500 2,250 7,100 204,776 2.77 79.79 15,597.34 182,742.22 2.97 34.84 68 1,283 2.05 38.60 11,466.06 65,127.00 3.14 17.84 73.51 35.64

11 > 2,500 3,000 2,750 6,519 211,295 2.54 82.33 15,498.36 198,240.58 2.96 37.80 47 1,330 1.41 40.01 2,392.76 67,519.75 0.66 18.50 15.44 34.06

12 > 3,000 4,000 3,500 8,007 219,302 3.12 85.45 21,873.04 220,113.62 4.17 41.97 81 1,411 2.44 42.45 17,391.78 84,911.54 4.76 23.26 79.51 38.58

13 > 4,000 5,000 4,500 6,345 225,647 2.47 87.92 18,963.44 239,077.06 3.62 45.59 72 1,483 2.17 44.61 11,821.06 96,732.60 3.24 26.50 62.34 40.46

14 > 5,000 7,500 6,250 7,808 233,455 3.04 90.96 28,586.01 267,663.06 5.45 51.04 425 1,908 12.79 57.40 13,389.39 110,121.99 3.67 30.17 46.84 41.14

15 > 7,500 10,000 8,750 5,393 238,848 2.10 93.06 22,940.83 290,603.90 4.37 55.41 84 1,992 2.53 59.93 11,764.14 121,886.13 3.22 33.39 51.28 41.94

16 > 10,000 20,000 15,000 7,273 246,121 2.83 95.90 66,536.23 357,140.13 12.69 68.10 146 2,138 4.39 64.32 7,747.97 129,634.10 2.12 35.52 11.64 36.30

17 > 20,000 50,000 35,000 5,068 251,189 1.97 97.87 45,553.99 402,694.12 8.69 76.78 207 2,345 6.23 70.55 51,035.88 180,669.99 13.98 49.50 112.03 44.87

18 > 50,000 100,000 75,000 2,083 253,272 0.81 98.68 23,731.94 426,426.05 4.53 81.31 185 2,530 5.57 76.11 28,943.20 209,613.18 7.93 57.43 121.96 49.1618 > 50,000 100,000 75,000 2,083 253,272 0.81 98.68 23,731.94 426,426.05 4.53 81.31 185 2,530 5.57 76.11 28,943.20 209,613.18 7.93 57.43 121.96 49.16

19 > 100,000 500,000 300,000 2,451 255,723 0.95 99.64 47,636.51 474,062.57 9.08 90.39 430 2,960 12.94 89.05 73,412.75 283,025.94 20.11 77.54 154.11 59.70

20 > 500,000 930 256,653 0.36 100.00 50,390.53 524,453.10 9.61 100.00 364 3,324 10.95 100.00 81,964.61 364,990.55 22.46 100.00 162.66 69.59

T O T A L 256,653 524,453.10 3,324 364,990.55 69.59

Page 130 of 204




1 0 50 25 33,948 33,948 14.81 14.81 23,173.37 23,173.37 5.99 5.99 152 152 6.36 6.36 1,074.51 1,074.51 0.35 0.35 4.64 4.64

2 > 50 100 75 29,583 63,531 12.90 27.71 3,870.01 27,043.38 1.00 6.99 60 212 2.51 8.87 1,204.59 2,279.10 0.39 0.75 31.13 8.43

3 > 100 200 150 37,126 100,657 16.19 43.90 9,432.28 36,475.66 2.44 9.42 100 312 4.19 13.06 2,194.68 4,473.78 0.72 1.46 23.27 12.27

4 > 200 300 250 21,998 122,655 9.59 53.50 8,836.72 45,312.38 2.28 11.70 92 404 3.85 16.91 1,757.51 6,231.30 0.57 2.04 19.89 13.75

5 > 300 500 400 24,478 147,133 10.68 64.17 14,933.93 60,246.31 3.86 15.56 78 482 3.26 20.18 4,351.27 10,582.57 1.42 3.46 29.14 17.57

BANDrp

SUM INSUREDPERCENTAGEPERCENTAGE

rp RP


NUMBER OF POLICIES

f F


LOSS RATIO



RP

6 > 500 750 625 13,656 160,789 5.96 70.13 12,554.02 72,800.33 3.24 18.80 68 550 2.85 23.02 5,009.98 15,592.55 1.64 5.10 39.91 21.42

7 > 750 1,000 875 10,583 171,372 4.62 74.75 12,790.51 85,590.84 3.30 22.11 65 615 2.72 25.74 3,406.16 18,998.71 1.11 6.21 26.63 22.20

8 > 1,000 1,500 1,250 9,560 180,932 4.17 78.92 15,150.12 100,740.96 3.91 26.02 63 678 2.64 28.38 4,523.57 23,522.27 1.48 7.69 29.86 23.35

9 > 1,500 2,000 1,750 6,415 187,347 2.80 81.71 12,136.68 112,877.64 3.14 29.16 73 751 3.06 31.44 4,646.94 28,169.21 1.52 9.21 38.29 24.96

10 > 2,000 2,500 2,250 4,089 191,436 1.78 83.50 9,066.36 121,944.01 2.34 31.50 44 795 1.84 33.28 2,460.51 30,629.72 0.80 10.02 27.14 25.12

11 > 2,500 3,000 2,750 3,811 195,247 1.66 85.16 8,782.88 130,726.89 2.27 33.77 26 821 1.09 34.37 6,009.42 36,639.14 1.97 11.98 68.42 28.03

12 > 3,000 4,000 3,500 4,849 200,096 2.11 87.27 13,345.08 144,071.97 3.45 37.22 65 886 2.72 37.09 5,101.21 41,740.35 1.67 13.65 38.23 28.97

13 > 4,000 5,000 4,500 3,850 203,946 1.68 88.95 11,711.70 155,783.66 3.03 40.24 62 948 2.60 39.68 7,423.46 49,163.81 2.43 16.08 63.38 31.56

14 > 5,000 7,500 6,250 5,019 208,965 2.19 91.14 21,093.50 176,877.16 5.45 45.69 80 1,028 3.35 43.03 6,517.57 55,681.38 2.13 18.21 30.90 31.48

15 > 7,500 10,000 8,750 3,736 212,701 1.63 92.77 19,405.02 196,282.19 5.01 50.70 138 1,166 5.78 48.81 30,764.61 86,445.99 10.06 28.28 158.54 44.04

16 > 10,000 20,000 15,000 5,582 218,283 2.43 95.21 44,897.10 241,179.29 11.60 62.30 183 1,349 7.66 56.47 35,893.74 122,339.73 11.74 40.02 79.95 50.73

17 > 20,000 50,000 35,000 4,885 223,168 2.13 97.34 52,614.58 293,793.87 13.59 75.89 236 1,585 9.88 66.35 66,210.06 188,549.78 21.66 61.67 125.84 64.18

18 > 50,000 100,000 75,000 2,210 225,378 0.96 98.30 28,924.59 322,718.46 7.47 83.36 206 1,791 8.62 74.97 11,082.65 199,632.43 3.63 65.30 38.32 61.8618 > 50,000 100,000 75,000 2,210 225,378 0.96 98.30 28,924.59 322,718.46 7.47 83.36 206 1,791 8.62 74.97 11,082.65 199,632.43 3.63 65.30 38.32 61.86

19 > 100,000 500,000 300,000 2,890 228,268 1.26 99.56 42,331.30 365,049.76 10.93 94.30 346 2,137 14.48 89.45 32,734.34 232,366.77 10.71 76.01 77.33 63.65

20 > 500,000 1,003 229,271 0.44 100.00 22,083.82 387,133.59 5.70 100.00 252 2,389 10.55 100.00 73,349.89 305,716.66 23.99 100.00 332.14 78.97

T O T A L 229,271 387,133.59 2,389 305,716.66 78.97

Page 131 of 204




1 0 50 25 27,346 27,346 22.16 22.16 7,997.16 7,997.16 4.92 4.92 72 72 7.30 7.30 510.71 510.71 0.38 0.38 6.39 6.39

2 > 50 100 75 21,453 48,799 17.38 39.54 2,571.07 10,568.22 1.58 6.50 35 107 3.55 10.85 648.36 1,159.07 0.48 0.86 25.22 10.97

3 > 100 200 150 22,383 71,182 18.14 57.67 4,741.14 15,309.36 2.92 9.41 27 134 2.74 13.59 582.59 1,741.66 0.43 1.29 12.29 11.38

4 > 200 300 250 10,554 81,736 8.55 66.22 4,284.92 19,594.28 2.63 12.05 30 164 3.04 16.63 1,222.24 2,963.90 0.91 2.20 28.52 15.13

5 > 300 500 400 10,547 92,283 8.55 74.77 6,801.85 26,396.13 4.18 16.23 65 229 6.59 23.23 3,190.33 6,154.23 2.37 4.56 46.90 23.31

6 > 500 750 625 5,991 98,274 4.85 79.62 6,030.28 32,426.42 3.71 19.94 29 258 2.94 26.17 2,215.81 8,370.04 1.64 6.21 36.74 25.81

rp RP




LOSS RATIO


rp

SUM INSURED

f F

6 > 500 750 625 5,991 98,274 4.85 79.62 6,030.28 32,426.42 3.71 19.94 29 258 2.94 26.17 2,215.81 8,370.04 1.64 6.21 36.74 25.81

7 > 750 1,000 875 4,141 102,415 3.36 82.98 5,498.38 37,924.79 3.38 23.32 32 290 3.25 29.41 710.98 9,081.01 0.53 6.73 12.93 23.94

8 > 1,000 1,500 1,250 4,101 106,516 3.32 86.30 7,500.57 45,425.37 4.61 27.93 61 351 6.19 35.60 1,113.48 10,194.50 0.83 7.56 14.85 22.44

9 > 1,500 2,000 1,750 2,392 108,908 1.94 88.24 5,116.50 50,541.87 3.15 31.08 28 379 2.84 38.44 2,846.53 13,041.03 2.11 9.67 55.63 25.80

10 > 2,000 2,500 2,250 1,609 110,517 1.30 89.54 4,648.52 55,190.39 2.86 33.94 11 390 1.12 39.55 66.89 13,107.92 0.05 9.72 1.44 23.75

11 > 2,500 3,000 2,750 1,368 111,885 1.11 90.65 3,673.97 58,864.36 2.26 36.20 17 407 1.72 41.28 156.42 13,264.34 0.12 9.84 4.26 22.53

12 > 3,000 4,000 3,500 1,668 113,553 1.35 92.00 5,899.06 64,763.42 3.63 39.82 26 433 2.64 43.91 4,341.56 17,605.90 3.22 13.06 73.60 27.18

13 > 4,000 5,000 4,500 1,365 114,918 1.11 93.11 5,703.72 70,467.14 3.51 43.33 28 461 2.84 46.75 2,980.83 20,586.73 2.21 15.27 52.26 29.21

14 > 5,000 7,500 6,250 1,910 116,828 1.55 94.66 12,223.19 82,690.32 7.52 50.85 38 499 3.85 50.61 2,555.66 23,142.39 1.90 17.16 20.91 27.99

15 > 7,500 10,000 8,750 1,258 118,086 1.02 95.68 7,621.73 90,312.05 4.69 55.53 19 518 1.93 52.54 280.54 23,422.93 0.21 17.37 3.68 25.94

16 > 10,000 20,000 15,000 2,087 120,173 1.69 97.37 19,803.08 110,115.13 12.18 67.71 81 599 8.22 60.75 23,270.97 46,693.90 17.26 34.63 117.51 42.40

17 > 20,000 50,000 35,000 1,483 121,656 1.20 98.57 18,985.77 129,100.90 11.67 79.39 97 696 9.84 70.59 33,660.15 80,354.06 24.96 59.59 177.29 62.24

18 > 50,000 100,000 75,000 684 122,340 0.55 99.12 9,291.56 138,392.46 5.71 85.10 63 759 6.39 76.98 5,582.26 85,936.32 4.14 63.73 60.08 62.10

19 > 100,000 500,000 300,000 695 123,035 0.56 99.69 16,059.37 154,451.83 9.88 94.98 121 880 12.27 89.25 5,127.21 91,063.53 3.80 67.53 31.93 58.9619 > 100,000 500,000 300,000 695 123,035 0.56 99.69 16,059.37 154,451.83 9.88 94.98 121 880 12.27 89.25 5,127.21 91,063.53 3.80 67.53 31.93 58.96

20 > 500,000 387 123,422 0.31 100.00 8,171.02 162,622.86 5.02 100.00 106 986 10.75 100.00 43,780.34 134,843.87 32.47 100.00 535.80 82.92

T O T A L 123,422 162,622.86 986 134,843.87 82.92

Page 132 of 204





1 0 50 25 2,565 2,565 17.18 17.18 1,105.15 1,105.15 5.57 5.57 6 6 5.50 5.50 11.51 11.51 0.18 0.18 1.04 1.04

2 > 50 100 75 1,839 4,404 12.32 29.50 191.57 1,296.72 0.97 6.53 0 6 0.00 5.50 0.00 11.51 0.00 0.18 0.00 0.89

3 > 100 200 150 2,381 6,785 15.95 45.45 502.41 1,799.12 2.53 9.07 4 10 3.67 9.17 150.49 162.00 2.32 2.50 29.95 9.00

4 > 200 300 250 1,418 8,203 9.50 54.95 561.20 2,360.32 2.83 11.89 4 14 3.67 12.84 9.47 171.47 0.15 2.64 1.69 7.26

5 > 300 500 400 1,613 9,816 10.81 65.76 879.04 3,239.37 4.43 16.32 4 18 3.67 16.51 172.30 343.76 2.66 5.30 19.60 10.61

6 > 500 750 625 1,072 10,888 7.18 72.94 1,076.37 4,315.74 5.42 21.75 6 24 5.50 22.02 394.58 738.34 6.09 11.39 36.66 17.11

7 > 750 1,000 875 775 11,663 5.19 78.13 942.95 5,258.69 4.75 26.50 7 31 6.42 28.44 321.56 1,059.90 4.96 16.35 34.10 20.16

8 > 1,000 1,500 1,250 686 12,349 4.60 82.72 1,098.44 6,357.13 5.54 32.03 8 39 7.34 35.78 1,361.55 2,421.44 21.00 37.35 123.95 38.09

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

8 > 1,000 1,500 1,250 686 12,349 4.60 82.72 1,098.44 6,357.13 5.54 32.03 8 39 7.34 35.78 1,361.55 2,421.44 21.00 37.35 123.95 38.09

9 > 1,500 2,000 1,750 441 12,790 2.95 85.68 1,085.03 7,442.16 5.47 37.50 8 47 7.34 43.12 1,892.21 4,313.65 29.18 66.53 174.39 57.96

10 > 2,000 2,500 2,250 274 13,064 1.84 87.51 800.28 8,242.44 4.03 41.53 16 63 14.68 57.80 261.25 4,574.90 4.03 70.56 32.64 55.50

11 > 2,500 3,000 2,750 212 13,276 1.42 88.93 604.08 8,846.52 3.04 44.58 0 63 0.00 57.80 0.00 4,574.90 0.00 70.56 0.00 51.71

12 > 3,000 4,000 3,500 284 13,560 1.90 90.84 880.72 9,727.24 4.44 49.02 6 69 5.50 63.30 97.36 4,672.26 1.50 72.06 11.05 48.03

13 > 4,000 5,000 4,500 223 13,783 1.49 92.33 876.35 10,603.59 4.42 53.43 6 75 5.50 68.81 99.42 4,771.68 1.53 73.59 11.34 45.00

14 > 5,000 7,500 6,250 330 14,113 2.21 94.54 1,599.18 12,202.76 8.06 61.49 6 81 5.50 74.31 105.83 4,877.51 1.63 75.23 6.62 39.97

15 > 7,500 10,000 8,750 194 14,307 1.30 95.84 1,131.70 13,334.46 5.70 67.19 2 83 1.83 76.15 1.50 4,879.01 0.02 75.25 0.13 36.59

16 > 10,000 20,000 15,000 300 14,607 2.01 97.85 2,531.10 15,865.56 12.75 79.95 0 83 0.00 76.15 0.00 4,879.01 0.00 75.25 0.00 30.75

17 > 20,000 50,000 35,000 177 14,784 1.19 99.04 1,875.61 17,741.17 9.45 89.40 11 94 10.09 86.24 504.86 5,383.87 7.79 83.04 26.92 30.35

18 > 50,000 100,000 75,000 62 14,846 0.42 99.45 889.83 18,631.00 4.48 93.88 5 99 4.59 90.83 814.61 6,198.48 12.56 95.60 91.55 33.27

19 > 100,000 500,000 300,000 61 14,907 0.41 99.86 1,007.99 19,638.99 5.08 98.96 6 105 5.50 96.33 164.68 6,363.16 2.54 98.14 16.34 32.40

20 > 500,000 21 14,928 0.14 100.00 205.80 19,844.79 1.04 100.00 4 109 3.67 100.00 120.69 6,483.85 1.86 100.00 58.64 32.67

T O T A L 14,928 19,844.79 109 6,483.85 32.67T O T A L 14,928 19,844.79 109 6,483.85 32.67

Page 133 of 204




1 0 50 25 23,672 23,672 14.57 14.57 18,588.36 18,588.36 6.27 6.27 142 142 8.83 8.83 518.16 518.16 0.22 0.22 2.79 2.79

2 > 50 100 75 20,002 43,674 12.31 26.87 3,629.18 22,217.54 1.22 7.49 55 197 3.42 12.25 894.40 1,412.56 0.38 0.60 24.64 6.36

3 > 100 200 150 26,746 70,420 16.46 43.33 6,067.68 28,285.22 2.05 9.54 44 241 2.74 14.99 1,178.13 2,590.69 0.50 1.11 19.42 9.16

4 > 200 300 250 15,456 85,876 9.51 52.84 5,667.61 33,952.83 1.91 11.45 48 289 2.99 17.97 1,196.94 3,787.63 0.51 1.62 21.12 11.16

5 > 300 500 400 18,720 104,596 11.52 64.36 11,321.99 45,274.83 3.82 15.26 54 343 3.36 21.33 3,818.60 7,606.23 1.63 3.25 33.73 16.80

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

6 > 500 750 625 10,864 115,460 6.69 71.05 9,852.48 55,127.31 3.32 18.59 44 387 2.74 24.07 1,918.53 9,524.76 0.82 4.07 19.47 17.28

7 > 750 1,000 875 8,258 123,718 5.08 76.13 10,303.36 65,430.66 3.47 22.06 79 466 4.91 28.98 7,651.15 17,175.91 3.27 7.33 74.26 26.25

8 > 1,000 1,500 1,250 7,699 131,417 4.74 80.87 13,138.86 78,569.53 4.43 26.49 72 538 4.48 33.46 5,671.84 22,847.75 2.42 9.75 43.17 29.08

9 > 1,500 2,000 1,750 4,872 136,289 3.00 83.87 10,624.01 89,193.54 3.58 30.07 53 591 3.30 36.75 2,521.20 25,368.94 1.08 10.83 23.73 28.44

10 > 2,000 2,500 2,250 2,993 139,282 1.84 85.71 8,117.49 97,311.03 2.74 32.81 38 629 2.36 39.12 5,205.40 30,574.34 2.22 13.05 64.13 31.42

11 > 2,500 3,000 2,750 2,376 141,658 1.46 87.17 7,607.21 104,918.24 2.56 35.37 22 651 1.37 40.49 92.95 30,667.29 0.04 13.09 1.22 29.23

12 > 3,000 4,000 3,500 3,118 144,776 1.92 89.09 11,045.23 115,963.46 3.72 39.10 48 699 2.99 43.47 7,688.26 38,355.55 3.28 16.38 69.61 33.08

13 > 4,000 5,000 4,500 2,356 147,132 1.45 90.54 9,971.02 125,934.49 3.36 42.46 57 756 3.54 47.01 15,267.76 53,623.32 6.52 22.89 153.12 42.58

14 > 5,000 7,500 6,250 3,098 150,230 1.91 92.44 16,382.91 142,317.40 5.52 47.98 91 847 5.66 52.67 13,975.93 67,599.25 5.97 28.86 85.31 47.50

15 > 7,500 10,000 8,750 2,140 152,370 1.32 93.76 16,114.87 158,432.27 5.43 53.42 55 902 3.42 56.09 21,442.20 89,041.45 9.15 38.02 133.06 56.20

16 > 10,000 20,000 15,000 3,714 156,084 2.29 96.05 36,509.12 194,941.39 12.31 65.73 146 1,048 9.08 65.17 53,663.46 142,704.91 22.91 60.93 146.99 73.20

17 > 20,000 50,000 35,000 2,945 159,029 1.81 97.86 38,233.98 233,175.37 12.89 78.62 119 1,167 7.40 72.57 15,665.37 158,370.28 6.69 67.62 40.97 67.92

18 > 50,000 100,000 75,000 1,478 160,507 0.91 98.77 21,519.31 254,694.68 7.26 85.87 144 1,311 8.96 81.53 15,418.45 173,788.73 6.58 74.20 71.65 68.2318 > 50,000 100,000 75,000 1,478 160,507 0.91 98.77 21,519.31 254,694.68 7.26 85.87 144 1,311 8.96 81.53 15,418.45 173,788.73 6.58 74.20 71.65 68.23

19 > 100,000 500,000 300,000 1,455 161,962 0.90 99.66 25,743.03 280,437.71 8.68 94.55 238 1,549 14.80 96.33 44,627.11 218,415.84 19.05 93.25 173.36 77.88

20 > 500,000 546 162,508 0.34 100.00 16,160.87 296,598.58 5.45 100.00 59 1,608 3.67 100.00 15,804.13 234,219.97 6.75 100.00 97.79 78.97

T O T A L 162,508 296,598.58 1,608 234,219.97 78.97

Page 134 of 204





1 0 50 25 6,801 6,801 17.69 17.69 7,273.83 7,273.83 11.65 11.65 16 16 5.67 5.67 77.09 77.09 0.32 0.32 1.06 1.06

2 > 50 100 75 5,387 12,188 14.01 31.71 2,015.05 9,288.88 3.23 14.87 19 35 6.74 12.41 627.20 704.29 2.62 2.94 31.13 7.58

3 > 100 200 150 7,680 19,868 19.98 51.69 5,488.99 14,777.88 8.79 23.66 43 78 15.25 27.66 1,800.72 2,505.00 7.52 10.46 32.81 16.95

4 > 200 300 250 3,465 23,333 9.01 60.70 4,246.37 19,024.25 6.80 30.46 24 102 8.51 36.17 2,275.41 4,780.41 9.50 19.96 53.58 25.13

5 > 300 500 400 3,336 26,669 8.68 69.38 5,390.69 24,414.94 8.63 39.09 11 113 3.90 40.07 711.67 5,492.08 2.97 22.93 13.20 22.49

6 > 500 750 625 1,643 28,312 4.27 73.65 3,093.03 27,507.97 4.95 44.04 6 119 2.13 42.20 1,264.54 6,756.62 5.28 28.21 40.88 24.56

7 > 750 1,000 875 2,391 30,703 6.22 79.87 3,720.26 31,228.24 5.96 50.00 23 142 8.16 50.35 741.53 7,498.14 3.10 31.31 19.93 24.01

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

8 > 1,000 1,500 1,250 2,057 32,760 5.35 85.23 3,207.51 34,435.75 5.14 55.13 12 154 4.26 54.61 1,521.85 9,019.99 6.35 37.67 47.45 26.19

9 > 1,500 2,000 1,750 1,580 34,340 4.11 89.34 3,127.33 37,563.08 5.01 60.14 23 177 8.16 62.77 3,515.23 12,535.22 14.68 52.35 112.40 33.37

10 > 2,000 2,500 2,250 715 35,055 1.86 91.20 1,678.58 39,241.66 2.69 62.83 16 193 5.67 68.44 2,919.99 15,455.21 12.19 64.54 173.96 39.38

11 > 2,500 3,000 2,750 711 35,766 1.85 93.05 1,938.55 41,180.21 3.10 65.93 15 208 5.32 73.76 1,402.68 16,857.88 5.86 70.40 72.36 40.94

12 > 3,000 4,000 3,500 640 36,406 1.66 94.71 2,284.95 43,465.16 3.66 69.59 11 219 3.90 77.66 1,110.99 17,968.87 4.64 75.04 48.62 41.34

13 > 4,000 5,000 4,500 445 36,851 1.16 95.87 2,018.24 45,483.40 3.23 72.82 9 228 3.19 80.85 574.43 18,543.29 2.40 77.43 28.46 40.77

14 > 5,000 7,500 6,250 461 37,312 1.20 97.07 2,310.22 47,793.62 3.70 76.52 12 240 4.26 85.11 1,689.09 20,232.38 7.05 84.49 73.11 42.33

15 > 7,500 10,000 8,750 297 37,609 0.77 97.84 1,937.44 49,731.06 3.10 79.62 3 243 1.06 86.17 1,080.87 21,313.25 4.51 89.00 55.79 42.86

16 > 10,000 20,000 15,000 343 37,952 0.89 98.73 3,655.57 53,386.63 5.85 85.48 8 251 2.84 89.01 1,034.69 22,347.95 4.32 93.32 28.30 41.86

17 > 20,000 50,000 35,000 248 38,200 0.65 99.38 3,084.47 56,471.10 4.94 90.41 8 259 2.84 91.84 124.15 22,472.10 0.52 93.84 4.03 39.79

18 > 50,000 100,000 75,000 76 38,276 0.20 99.58 1,114.66 57,585.76 1.78 92.20 0 259 0.00 91.84 0.00 22,472.10 0.00 93.84 0.00 39.02

19 > 100,000 500,000 300,000 133 38,409 0.35 99.92 4,245.61 61,831.37 6.80 99.00 6 265 2.13 93.97 1,405.34 23,877.44 5.87 99.71 33.10 38.62

20 > 500,000 30 38,439 0.08 100.00 627.21 62,458.58 1.00 100.00 17 282 6.03 100.00 69.84 23,947.28 0.29 100.00 11.14 38.34

T O T A L 38,439 62,458.58 282 23,947.28 38.34

Page 135 of 204




1 0 50 25 2,290 2,290 19.73 19.73 601.05 601.05 3.89 3.89 12 12 6.86 6.86 115.41 115.41 0.52 0.52 19.20 19.20

2 > 50 100 75 1,906 4,196 16.43 36.16 379.82 980.87 2.46 6.34 5 17 2.86 9.71 136.40 251.81 0.62 1.14 35.91 25.67

3 > 100 200 150 2,313 6,509 19.93 56.09 952.95 1,933.82 6.16 12.51 9 26 5.14 14.86 401.38 653.19 1.82 2.96 42.12 33.78

4 > 200 300 250 1,133 7,642 9.76 65.86 770.42 2,704.24 4.98 17.49 11 37 6.29 21.14 368.78 1,021.98 1.67 4.62 47.87 37.79

5 > 300 500 400 1,235 8,877 10.64 76.50 1,213.77 3,918.01 7.85 25.34 6 43 3.43 24.57 613.84 1,635.82 2.78 7.40 50.57 41.75

6 > 500 750 625 569 9,446 4.90 81.40 913.69 4,831.70 5.91 31.25 9 52 5.14 29.71 188.80 1,824.62 0.85 8.26 20.66 37.76

7 > 750 1,000 875 443 9,889 3.82 85.22 788.62 5,620.32 5.10 36.35 0 52 0.00 29.71 0.00 1,824.62 0.00 8.26 0.00 32.46

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

7 > 750 1,000 875 443 9,889 3.82 85.22 788.62 5,620.32 5.10 36.35 0 52 0.00 29.71 0.00 1,824.62 0.00 8.26 0.00 32.46

8 > 1,000 1,500 1,250 331 10,220 2.85 88.07 772.09 6,392.40 4.99 41.34 0 52 0.00 29.71 0.00 1,824.62 0.00 8.26 0.00 28.54

9 > 1,500 2,000 1,750 211 10,431 1.82 89.89 642.25 7,034.66 4.15 45.49 6 58 3.43 33.14 98.49 1,923.11 0.45 8.70 15.34 27.34

10 > 2,000 2,500 2,250 126 10,557 1.09 90.98 473.30 7,507.95 3.06 48.56 0 58 0.00 33.14 0.00 1,923.11 0.00 8.70 0.00 25.61

11 > 2,500 3,000 2,750 98 10,655 0.84 91.82 309.68 7,817.63 2.00 50.56 3 61 1.71 34.86 261.01 2,184.12 1.18 9.88 84.28 27.94

12 > 3,000 4,000 3,500 146 10,801 1.26 93.08 521.77 8,339.40 3.37 53.93 0 61 0.00 34.86 0.00 2,184.12 0.00 9.88 0.00 26.19

13 > 4,000 5,000 4,500 106 10,907 0.91 93.99 489.54 8,828.94 3.17 57.10 7 68 4.00 38.86 1,016.44 3,200.56 4.60 14.48 207.63 36.25

14 > 5,000 7,500 6,250 126 11,033 1.09 95.08 523.20 9,352.14 3.38 60.48 2 70 1.14 40.00 29.78 3,230.34 0.13 14.61 5.69 34.54

15 > 7,500 10,000 8,750 120 11,153 1.03 96.11 727.74 10,079.88 4.71 65.19 10 80 5.71 45.71 9,908.53 13,138.86 44.83 59.44 1,361,55 130.35

16 > 10,000 20,000 15,000 131 11,284 1.13 97.24 1,235.67 11,315.55 7.99 73.18 13 93 7.43 53.14 952.63 14,091.49 4.31 63.75 77.09 124.53

17 > 20,000 50,000 35,000 122 11,406 1.05 98.29 1,539.84 12,855.39 9.96 83.14 31 124 17.71 70.86 859.75 14,951.24 3.89 67.64 55.83 116.30

18 > 50,000 100,000 75,000 70 11,476 0.60 98.90 787.39 13,642.78 5.09 88.23 13 137 7.43 78.29 2,507.08 17,458.32 11.34 78.99 318.40 127.97

19 > 100,000 500,000 300,000 114 11,590 0.98 99.88 1,682.90 15,325.69 10.88 99.11 34 171 19.43 97.71 3,633.83 21,092.15 16.44 95.43 215.93 137.63

20 > 500,000 14 11,604 0.12 100.00 136.85 15,462.53 0.89 100.00 4 175 2.29 100.00 1,010.85 22,102.99 4.57 100.00 738.68 142.9520 > 500,000 14 11,604 0.12 100.00 136.85 15,462.53 0.89 100.00 4 175 2.29 100.00 1,010.85 22,102.99 4.57 100.00 738.68 142.95

T O T A L 11,604 15,462.53 175 22,102.99 142.95

Page 136 of 204





1 0 50 25 3,634 3,634 17.45 17.45 2,010.43 2,010.43 6.53 6.53 8 8 4.47 4.47 61.53 61.53 0.58 0.58 3.06 3.06

2 > 50 100 75 3,384 7,018 16.25 33.70 473.21 2,483.63 1.54 8.07 5 13 2.79 7.26 116.87 178.40 1.10 1.69 24.70 7.18

3 > 100 200 150 4,411 11,429 21.18 54.88 1,095.34 3,578.98 3.56 11.63 17 30 9.50 16.76 710.97 889.37 6.72 8.41 64.91 24.85

4 > 200 300 250 2,192 13,621 10.53 65.41 932.88 4,511.85 3.03 14.66 11 41 6.15 22.91 116.97 1,006.35 1.11 9.51 12.54 22.30

5 > 300 500 400 2,114 15,735 10.15 75.56 1,629.44 6,141.29 5.29 19.95 14 55 7.82 30.73 850.40 1,856.75 8.04 17.55 52.19 30.23

6 > 500 750 625 1,070 16,805 5.14 80.70 1,329.58 7,470.87 4.32 24.27 11 66 6.15 36.87 1,273.79 3,130.54 12.04 29.60 95.80 41.90

7 > 750 1,000 875 686 17,491 3.29 83.99 1,097.05 8,567.92 3.56 27.83 0 66 0.00 36.87 0.00 3,130.54 0.00 29.60 0.00 36.54

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

8 > 1,000 1,500 1,250 642 18,133 3.08 87.08 1,520.68 10,088.60 4.94 32.77 9 75 5.03 41.90 1,124.90 4,255.43 10.64 40.23 73.97 42.18

9 > 1,500 2,000 1,750 372 18,505 1.79 88.86 956.67 11,045.27 3.11 35.88 13 88 7.26 49.16 503.25 4,758.69 4.76 44.99 52.60 43.08

10 > 2,000 2,500 2,250 273 18,778 1.31 90.17 755.63 11,800.90 2.45 38.33 4 92 2.23 51.40 147.70 4,906.39 1.40 46.39 19.55 41.58

11 > 2,500 3,000 2,750 214 18,992 1.03 91.20 572.34 12,373.24 1.86 40.19 0 92 0.00 51.40 0.00 4,906.39 0.00 46.39 0.00 39.65

12 > 3,000 4,000 3,500 239 19,231 1.15 92.35 948.98 13,322.22 3.08 43.28 2 94 1.12 52.51 0.80 4,907.19 0.01 46.40 0.08 36.83

13 > 4,000 5,000 4,500 245 19,476 1.18 93.53 863.32 14,185.54 2.80 46.08 6 100 3.35 55.87 71.30 4,978.49 0.67 47.07 8.26 35.10

14 > 5,000 7,500 6,250 305 19,781 1.46 94.99 1,793.78 15,979.32 5.83 51.91 16 116 8.94 64.80 1,061.72 6,040.20 10.04 57.11 59.19 37.80

15 > 7,500 10,000 8,750 203 19,984 0.97 95.97 2,313.08 18,292.40 7.51 59.42 0 116 0.00 64.80 0.00 6,040.20 0.00 57.11 0.00 33.02

16 > 10,000 20,000 15,000 317 20,301 1.52 97.49 2,342.06 20,634.46 7.61 67.03 11 127 6.15 70.95 1,706.99 7,747.20 16.14 73.25 72.88 37.54

17 > 20,000 50,000 35,000 217 20,518 1.04 98.53 2,412.67 23,047.13 7.84 74.87 15 142 8.38 79.33 651.21 8,398.41 6.16 79.40 26.99 36.44

18 > 50,000 100,000 75,000 137 20,655 0.66 99.19 1,840.39 24,887.51 5.98 80.85 6 148 3.35 82.68 4.82 8,403.23 0.05 79.45 0.26 33.76

19 > 100,000 500,000 300,000 117 20,772 0.56 99.75 2,192.77 27,080.29 7.12 87.97 15 163 8.38 91.06 1,771.34 10,174.57 16.75 96.20 80.78 37.57

20 > 500,000 52 20,824 0.25 100.00 3,703.63 30,783.92 12.03 100.00 16 179 8.94 100.00 402.21 10,576.78 3.80 100.00 10.86 34.36

T O T A L 20,824 30,783.92 179 10,576.78 34.36

Page 137 of 204





1 0 50 25 3,783 3,783 11.73 11.73 3,036.55 3,036.55 4.79 4.79 14 14 4.95 4.95 188.03 188.03 0.37 0.37 6.19 6.19

2 > 50 100 75 3,328 7,111 10.32 22.04 732.08 3,768.63 1.16 5.95 7 21 2.47 7.42 159.87 347.89 0.31 0.68 21.84 9.23

3 > 100 200 150 5,200 12,311 16.12 38.16 1,927.02 5,695.65 3.04 8.99 19 40 6.71 14.13 933.13 1,281.02 1.83 2.51 48.42 22.49

4 > 200 300 250 3,691 16,002 11.44 49.60 2,045.03 7,740.68 3.23 12.22 10 50 3.53 17.67 445.33 1,726.35 0.87 3.38 21.78 22.30

5 > 300 500 400 4,347 20,349 13.47 63.08 4,294.10 12,034.78 6.78 18.99 10 60 3.53 21.20 128.95 1,855.30 0.25 3.63 3.00 15.42

6 > 500 750 625 2,426 22,775 7.52 70.60 3,266.80 15,301.58 5.16 24.15 10 70 3.53 24.73 1,137.16 2,992.46 2.23 5.86 34.81 19.56

7 > 750 1,000 875 1,806 24,581 5.60 76.19 3,526.08 18,827.65 5.56 29.71 13 83 4.59 29.33 1,654.31 4,646.77 3.24 9.10 46.92 24.68


RPPERCENTAGE

rp RPBAND

rp


LOSS RATIO

f


NUMBER OF POLICIESPERCENTAGE(in million) Mid Points PERCENTAGE

f F F

8 > 1,000 1,500 1,250 1,642 26,223 5.09 81.28 3,707.83 22,535.49 5.85 35.56 22 105 7.77 37.10 3,623.04 8,269.81 7.10 16.20 97.71 36.70

9 > 1,500 2,000 1,750 961 27,184 2.98 84.26 2,895.86 25,431.34 4.57 40.13 4 109 1.41 38.52 227.75 8,497.56 0.45 16.64 7.86 33.41

10 > 2,000 2,500 2,250 602 27,786 1.87 86.13 1,887.57 27,318.91 2.98 43.11 0 109 0.00 38.52 0.00 8,497.56 0.00 16.64 0.00 31.11

11 > 2,500 3,000 2,750 466 28,252 1.44 87.57 1,534.75 28,853.66 2.42 45.53 9 118 3.18 41.70 2,006.87 10,504.42 3.93 20.57 130.76 36.41

12 > 3,000 4,000 3,500 578 28,830 1.79 89.36 1,840.44 30,694.10 2.90 48.44 14 132 4.95 46.64 4,375.68 14,880.11 8.57 29.14 237.75 48.48

13 > 4,000 5,000 4,500 534 29,364 1.66 91.02 2,209.60 32,903.70 3.49 51.92 14 146 4.95 51.59 741.63 15,621.74 1.45 30.60 33.56 47.48

14 > 5,000 7,500 6,250 644 30,008 2.00 93.02 3,070.56 35,974.26 4.85 56.77 7 153 2.47 54.06 1,098.15 16,719.88 2.15 32.75 35.76 46.48

15 > 7,500 10,000 8,750 426 30,434 1.32 94.34 2,636.50 38,610.75 4.16 60.93 6 159 2.12 56.18 10,135.35 26,855.24 19.85 52.60 384.42 69.55

16 > 10,000 20,000 15,000 683 31,117 2.12 96.45 5,544.30 44,155.05 8.75 69.68 32 191 11.31 67.49 13,513.72 40,368.96 26.47 79.07 243.74 91.43

17 > 20,000 50,000 35,000 559 31,676 1.73 98.19 5,779.62 49,934.67 9.12 78.80 20 211 7.07 74.56 2,514.29 42,883.25 4.92 83.99 43.50 85.88

18 > 50,000 100,000 75,000 212 31,888 0.66 98.84 2,324.79 52,259.46 3.67 82.47 2 213 0.71 75.27 280.35 43,163.60 0.55 84.54 12.06 82.59

19 > 100,000 500,000 300,000 267 32,155 0.83 99.67 7,556.65 59,816.11 11.92 94.39 44 257 15.55 90.81 4,516.31 47,679.91 8.85 93.39 59.77 79.71

20 > 500,000 106 32,261 0.33 100.00 3,552.93 63,369.04 5.61 100.00 26 283 9.19 100.00 3,375.89 51,055.80 6.61 100.00 95.02 80.57

T O T A L 32,261 63,369.04 283 51,055.80 80.57

Page 138 of 204




1 0 50 25 2,020 2,020 11.55 11.55 1,149.26 1,149.26 4.48 4.48 2 2 2.41 2.41 24.60 24.60 0.03 0.03 2.14 2.14

2 > 50 100 75 2,148 4,168 12.28 23.83 349.79 1,499.05 1.36 5.84 2 4 2.41 4.82 66.25 90.85 0.09 0.13 18.94 6.06

3 > 100 200 150 3,280 7,448 18.75 42.59 960.77 2,459.82 3.74 9.59 6 10 7.23 12.05 542.34 633.19 0.77 0.89 56.45 25.74

4 > 200 300 250 2,336 9,784 13.36 55.94 1,062.62 3,522.44 4.14 13.73 10 20 12.05 24.10 511.67 1,144.86 0.72 1.62 48.15 32.50

5 > 300 500 400 2,400 12,184 13.72 69.67 1,825.64 5,348.08 7.11 20.84 9 29 10.84 34.94 558.81 1,703.67 0.79 2.41 30.61 31.86

6 > 500 750 625 1,269 13,453 7.26 76.92 1,628.58 6,976.66 6.35 27.19 16 45 19.28 54.22 1,056.38 2,760.05 1.49 3.90 64.87 39.56

7 > 750 1,000 875 955 14,408 5.46 82.38 1,740.15 8,716.81 6.78 33.97 3 48 3.61 57.83 53.10 2,813.15 0.08 3.98 3.05 32.27

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

7 > 750 1,000 875 955 14,408 5.46 82.38 1,740.15 8,716.81 6.78 33.97 3 48 3.61 57.83 53.10 2,813.15 0.08 3.98 3.05 32.27

8 > 1,000 1,500 1,250 836 15,244 4.78 87.16 2,186.44 10,903.26 8.52 42.49 4 52 4.82 62.65 885.82 3,698.97 1.25 5.23 40.51 33.93

9 > 1,500 2,000 1,750 509 15,753 2.91 90.07 1,704.51 12,607.77 6.64 49.13 7 59 8.43 71.08 825.69 4,524.66 1.17 6.39 48.44 35.89

10 > 2,000 2,500 2,250 259 16,012 1.48 91.55 1,088.05 13,695.81 4.24 53.37 0 59 0.00 71.08 0.00 4,524.66 0.00 6.39 0.00 33.04

11 > 2,500 3,000 2,750 232 16,244 1.33 92.88 1,065.46 14,761.27 4.15 57.52 2 61 2.41 73.49 2,584.82 7,109.48 3.65 10.05 242.60 48.16

12 > 3,000 4,000 3,500 268 16,512 1.53 94.41 1,392.62 16,153.90 5.43 62.95 0 61 0.00 73.49 0.00 7,109.48 0.00 10.05 0.00 44.01

13 > 4,000 5,000 4,500 158 16,670 0.90 95.32 845.69 16,999.59 3.30 66.24 0 61 0.00 73.49 0.00 7,109.48 0.00 10.05 0.00 41.82

14 > 5,000 7,500 6,250 210 16,880 1.20 96.52 1,352.74 18,352.33 5.27 71.51 0 61 0.00 73.49 0.00 7,109.48 0.00 10.05 0.00 38.74

15 > 7,500 10,000 8,750 133 17,013 0.76 97.28 1,424.17 19,776.50 5.55 77.06 0 61 0.00 73.49 0.00 7,109.48 0.00 10.05 0.00 35.95

16 > 10,000 20,000 15,000 203 17,216 1.16 98.44 2,383.83 22,160.33 9.29 86.35 8 69 9.64 83.13 281.36 7,390.85 0.40 10.44 11.80 33.35

17 > 20,000 50,000 35,000 151 17,367 0.86 99.30 1,806.70 23,967.03 7.04 93.39 4 73 4.82 87.95 96.79 7,487.63 0.14 10.58 5.36 31.24

18 > 50,000 100,000 75,000 42 17,409 0.24 99.54 657.96 24,624.98 2.56 95.96 2 75 2.41 90.36 5.40 7,493.03 0.01 10.59 0.82 30.43

19 > 100,000 500,000 300,000 65 17,474 0.37 99.91 688.13 25,313.11 2.68 98.64 4 79 4.82 95.18 92.42 7,585.46 0.13 10.72 13.43 29.97

20 > 500,000 15 17,489 0.09 100.00 349.81 25,662.92 1.36 100.00 4 83 4.82 100.00 63,175.79 70,761.25 89.28 100.00 18,060,06 275.7320 > 500,000 15 17,489 0.09 100.00 349.81 25,662.92 1.36 100.00 4 83 4.82 100.00 63,175.79 70,761.25 89.28 100.00 18,060,06 275.73

T O T A L 17,489 25,662.92 83 70,761.25 275.73

Page 139 of 204





1 0 50 25 1,694 1,694 21.88 21.88 665.73 665.73 6.64 6.64 9 9 32.14 32.14 81.93 81.93 1.86 1.86 12.31 12.31

2 > 50 100 75 1,117 2,811 14.42 36.30 258.89 924.61 2.58 9.22 2 11 7.14 39.29 4.24 86.16 0.10 1.96 1.64 9.32

3 > 100 200 150 1,298 4,109 16.76 53.06 504.86 1,429.48 5.03 14.25 2 13 7.14 46.43 0.15 86.31 0.00 1.96 0.03 6.04

4 > 200 300 250 888 4,997 11.47 64.53 597.49 2,026.96 5.96 20.21 0 13 0.00 46.43 0.00 86.31 0.00 1.96 0.00 4.26

5 > 300 500 400 975 5,972 12.59 77.12 1,051.51 3,078.48 10.48 30.70 0 13 0.00 46.43 0.00 86.31 0.00 1.96 0.00 2.80

6 > 500 750 625 507 6,479 6.55 83.66 998.14 4,076.62 9.95 40.65 2 15 7.14 53.57 9.98 96.29 0.23 2.19 1.00 2.36

7 > 750 1,000 875 287 6,766 3.71 87.37 861.96 4,938.58 8.59 49.24 0 15 0.00 53.57 0.00 96.29 0.00 2.19 0.00 1.95

8 > 1,000 1,500 1,250 244 7,010 3.15 90.52 758.04 5,696.62 7.56 56.80 2 17 7.14 60.71 12.07 108.36 0.27 2.46 1.59 1.90

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

8 > 1,000 1,500 1,250 244 7,010 3.15 90.52 758.04 5,696.62 7.56 56.80 2 17 7.14 60.71 12.07 108.36 0.27 2.46 1.59 1.90

9 > 1,500 2,000 1,750 174 7,184 2.25 92.77 655.13 6,351.75 6.53 63.33 0 17 0.00 60.71 0.00 108.36 0.00 2.46 0.00 1.71

10 > 2,000 2,500 2,250 74 7,258 0.96 93.72 448.77 6,800.52 4.47 67.81 0 17 0.00 60.71 0.00 108.36 0.00 2.46 0.00 1.59

11 > 2,500 3,000 2,750 80 7,338 1.03 94.76 442.46 7,242.98 4.41 72.22 2 19 7.14 67.86 18.56 126.92 0.42 2.89 4.19 1.75

12 > 3,000 4,000 3,500 103 7,441 1.33 96.09 416.22 7,659.20 4.15 76.37 0 19 0.00 67.86 0.00 126.92 0.00 2.89 0.00 1.66

13 > 4,000 5,000 4,500 42 7,483 0.54 96.63 279.49 7,938.69 2.79 79.16 0 19 0.00 67.86 0.00 126.92 0.00 2.89 0.00 1.60

14 > 5,000 7,500 6,250 67 7,550 0.87 97.49 382.19 8,320.88 3.81 82.97 0 19 0.00 67.86 0.00 126.92 0.00 2.89 0.00 1.53

15 > 7,500 10,000 8,750 47 7,597 0.61 98.10 359.80 8,680.68 3.59 86.56 5 24 17.86 85.71 4,226.34 4,353.26 96.13 99.02 1,174,65 50.15

16 > 10,000 20,000 15,000 55 7,652 0.71 98.81 465.83 9,146.51 4.64 91.20 0 24 0.00 85.71 0.00 4,353.26 0.00 99.02 0.00 47.59

17 > 20,000 50,000 35,000 50 7,702 0.65 99.46 460.88 9,607.39 4.60 95.80 2 26 7.14 92.86 0.72 4,353.98 0.02 99.04 0.16 45.32

18 > 50,000 100,000 75,000 16 7,718 0.21 99.66 206.54 9,813.93 2.06 97.86 2 28 7.14 100.00 42.40 4,396.38 0.96 100.00 20.53 44.80

19 > 100,000 500,000 300,000 26 7,744 0.34 100.00 215.06 10,028.99 2.14 100.00 0 28 0.00 100.00 0.00 4,396.38 0.00 100.00 0.00 43.84

20 > 500,000 0 7,744 0.00 100.00 0.00 10,028.99 0.00 100.00 0 28 0.00 100.00 0.00 4,396.38 0.00 100.00 0.00 43.84

T O T A L 7,744 10,028.99 28 4,396.38 43.84T O T A L 7,744 10,028.99 28 4,396.38 43.84

Page 140 of 204





1 0 50 25 6,797 6,797 15.48 15.48 2,852.41 2,852.41 5.21 5.21 16 16 7.55 7.55 100.10 100.10 0.50 0.50 3.51 3.51

2 > 50 100 75 6,575 13,372 14.97 30.45 886.89 3,739.29 1.62 6.83 10 26 4.72 12.26 187.52 287.62 0.94 1.45 21.14 7.69

3 > 100 200 150 9,440 22,812 21.49 51.94 2,127.29 5,866.58 3.89 10.72 15 41 7.08 19.34 465.69 753.30 2.34 3.79 21.89 12.84

4 > 200 300 250 5,275 28,087 12.01 63.95 2,302.86 8,169.44 4.21 14.92 2 43 0.94 20.28 10.12 763.42 0.05 3.84 0.44 9.34

5 > 300 500 400 5,486 33,573 12.49 76.44 4,342.20 12,511.65 7.93 22.85 17 60 8.02 28.30 366.27 1,129.69 1.84 5.68 8.44 9.03

6 > 500 750 625 2,857 36,430 6.51 82.95 3,498.69 16,010.33 6.39 29.24 5 65 2.36 30.66 106.44 1,236.12 0.54 6.22 3.04 7.72

7 > 750 1,000 875 1,628 38,058 3.71 86.65 2,988.35 18,998.69 5.46 34.70 9 74 4.25 34.91 1,066.81 2,302.93 5.37 11.59 35.70 12.12

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

8 > 1,000 1,500 1,250 1,545 39,603 3.52 90.17 3,470.43 22,469.12 6.34 41.04 8 82 3.77 38.68 258.19 2,561.12 1.30 12.88 7.44 11.40

9 > 1,500 2,000 1,750 815 40,418 1.86 92.03 2,465.08 24,934.20 4.50 45.54 7 89 3.30 41.98 139.56 2,700.68 0.70 13.59 5.66 10.83

10 > 2,000 2,500 2,250 475 40,893 1.08 93.11 1,681.79 26,616.00 3.07 48.62 0 89 0.00 41.98 0.00 2,700.68 0.00 13.59 0.00 10.15

11 > 2,500 3,000 2,750 406 41,299 0.92 94.03 1,536.09 28,152.08 2.81 51.42 0 89 0.00 41.98 0.00 2,700.68 0.00 13.59 0.00 9.59

12 > 3,000 4,000 3,500 452 41,751 1.03 95.06 1,978.23 30,130.31 3.61 55.04 2 91 0.94 42.92 3,484.32 6,185.00 17.53 31.12 176.13 20.53

13 > 4,000 5,000 4,500 347 42,098 0.79 95.85 1,706.83 31,837.14 3.12 58.15 5 96 2.36 45.28 441.45 6,626.45 2.22 33.34 25.86 20.81

14 > 5,000 7,500 6,250 478 42,576 1.09 96.94 2,832.90 34,670.04 5.17 63.33 14 110 6.60 51.89 1,240.76 7,867.20 6.24 39.58 43.80 22.69

15 > 7,500 10,000 8,750 263 42,839 0.60 97.54 1,651.09 36,321.14 3.02 66.34 11 121 5.19 57.08 5,199.78 13,066.98 26.16 65.74 314.93 35.98

16 > 10,000 20,000 15,000 459 43,298 1.05 98.58 4,566.65 40,887.79 8.34 74.68 17 138 8.02 65.09 923.51 13,990.49 4.65 70.38 20.22 34.22

17 > 20,000 50,000 35,000 319 43,617 0.73 99.31 3,186.42 44,074.21 5.82 80.50 4 142 1.89 66.98 20.02 14,010.51 0.10 70.49 0.63 31.79

18 > 50,000 100,000 75,000 130 43,747 0.30 99.61 1,776.90 45,851.11 3.25 83.75 5 147 2.36 69.34 1,152.36 15,162.87 5.80 76.28 64.85 33.07

19 > 100,000 500,000 300,000 125 43,872 0.28 99.89 1,985.86 47,836.97 3.63 87.38 41 188 19.34 88.68 3,029.89 18,192.76 15.24 91.53 152.57 38.03

20 > 500,000 48 43,920 0.11 100.00 6,910.40 54,747.37 12.62 100.00 24 212 11.32 100.00 1,684.51 19,877.28 8.47 100.00 24.38 36.31

T O T A L 43,920 54,747.37 212 19,877.28 36.31

Page 141 of 204





1 0 50 25 849 849 14.33 14.33 284.29 284.29 3.88 3.88 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 777 1,626 13.12 27.45 151.78 436.06 2.07 5.95 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 1,109 2,735 18.72 46.17 308.68 744.74 4.21 10.16 4 4 40.00 40.00 126.57 126.57 49.80 49.80 41.00 17.00

4 > 200 300 250 722 3,457 12.19 58.36 342.89 1,087.63 4.68 14.84 0 4 0.00 40.00 0.00 126.57 0.00 49.80 0.00 11.64

5 > 300 500 400 894 4,351 15.09 73.45 867.31 1,954.94 11.83 26.68 0 4 0.00 40.00 0.00 126.57 0.00 49.80 0.00 6.47

6 > 500 750 625 552 4,903 9.32 82.77 858.35 2,813.29 11.71 38.39 2 6 20.00 60.00 0.00 126.57 0.00 49.80 0.00 4.50

7 > 750 1,000 875 318 5,221 5.37 88.13 725.44 3,538.73 9.90 48.29 2 8 20.00 80.00 1.00 127.57 0.39 50.19 0.14 3.60

8 > 1,000 1,500 1,250 235 5,456 3.97 92.10 657.65 4,196.37 8.97 57.26 0 8 0.00 80.00 0.00 127.57 0.00 50.19 0.00 3.04

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

8 > 1,000 1,500 1,250 235 5,456 3.97 92.10 657.65 4,196.37 8.97 57.26 0 8 0.00 80.00 0.00 127.57 0.00 50.19 0.00 3.04

9 > 1,500 2,000 1,750 131 5,587 2.21 94.31 467.74 4,664.11 6.38 63.64 0 8 0.00 80.00 0.00 127.57 0.00 50.19 0.00 2.74

10 > 2,000 2,500 2,250 42 5,629 0.71 95.02 177.06 4,841.16 2.42 66.06 0 8 0.00 80.00 0.00 127.57 0.00 50.19 0.00 2.64

11 > 2,500 3,000 2,750 43 5,672 0.73 95.75 245.06 5,086.22 3.34 69.40 0 8 0.00 80.00 0.00 127.57 0.00 50.19 0.00 2.51

12 > 3,000 4,000 3,500 55 5,727 0.93 96.67 421.69 5,507.91 5.75 75.16 0 8 0.00 80.00 0.00 127.57 0.00 50.19 0.00 2.32

13 > 4,000 5,000 4,500 34 5,761 0.57 97.25 262.41 5,770.32 3.58 78.74 0 8 0.00 80.00 0.00 127.57 0.00 50.19 0.00 2.21

14 > 5,000 7,500 6,250 59 5,820 1.00 98.24 381.53 6,151.85 5.21 83.94 0 8 0.00 80.00 0.00 127.57 0.00 50.19 0.00 2.07

15 > 7,500 10,000 8,750 13 5,833 0.22 98.46 136.79 6,288.64 1.87 85.81 0 8 0.00 80.00 0.00 127.57 0.00 50.19 0.00 2.03

16 > 10,000 20,000 15,000 42 5,875 0.71 99.17 350.13 6,638.78 4.78 90.59 2 10 20.00 100.00 126.60 254.17 49.81 100.00 36.16 3.83

17 > 20,000 50,000 35,000 31 5,906 0.52 99.70 482.05 7,120.83 6.58 97.17 0 10 0.00 100.00 0.00 254.17 0.00 100.00 0.00 3.57

18 > 50,000 100,000 75,000 5 5,911 0.08 99.78 66.08 7,186.91 0.90 98.07 0 10 0.00 100.00 0.00 254.17 0.00 100.00 0.00 3.54

19 > 100,000 500,000 300,000 10 5,921 0.17 99.95 72.57 7,259.47 0.99 99.06 0 10 0.00 100.00 0.00 254.17 0.00 100.00 0.00 3.50

20 > 500,000 3 5,924 0.05 100.00 69.00 7,328.47 0.94 100.00 0 10 0.00 100.00 0.00 254.17 0.00 100.00 0.00 3.47

T O T A L 5,924 7,328.47 10 254.17 3.47T O T A L 5,924 7,328.47 10 254.17 3.47

Page 142 of 204





1 0 50 25 6,205 6,205 16.64 16.64 4,267.00 4,267.00 6.27 6.27 23 23 4.07 4.07 95.73 95.73 0.37 0.37 2.24 2.24

2 > 50 100 75 4,024 10,229 10.79 27.44 526.80 4,793.80 0.77 7.04 0 23 0.00 4.07 0.00 95.73 0.00 0.37 0.00 2.00

3 > 100 200 150 5,215 15,444 13.99 41.42 1,501.84 6,295.63 2.21 9.25 27 50 4.78 8.85 733.01 828.74 2.85 3.22 48.81 13.16

4 > 200 300 250 3,116 18,560 8.36 49.78 1,250.10 7,545.73 1.84 11.08 8 58 1.42 10.27 44.17 872.91 0.17 3.39 3.53 11.57

5 > 300 500 400 4,075 22,635 10.93 60.71 3,135.99 10,681.72 4.61 15.69 69 127 12.21 22.48 1,042.10 1,915.01 4.05 7.44 33.23 17.93

6 > 500 750 625 2,549 25,184 6.84 67.55 2,745.62 13,427.35 4.03 19.72 13 140 2.30 24.78 542.97 2,457.98 2.11 9.55 19.78 18.31

7 > 750 1,000 875 2,381 27,565 6.39 73.93 3,701.16 17,128.51 5.44 25.16 16 156 2.83 27.61 202.99 2,660.96 0.79 10.34 5.48 15.54

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

8 > 1,000 1,500 1,250 2,205 29,770 5.91 79.85 4,551.33 21,679.83 6.69 31.84 20 176 3.54 31.15 225.74 2,886.70 0.88 11.22 4.96 13.32

9 > 1,500 2,000 1,750 1,453 31,223 3.90 83.74 4,199.74 25,879.57 6.17 38.01 25 201 4.42 35.58 1,988.77 4,875.47 7.73 18.95 47.35 18.84

10 > 2,000 2,500 2,250 993 32,216 2.66 86.41 3,513.09 29,392.66 5.16 43.17 30 231 5.31 40.88 1,279.33 6,154.79 4.97 23.92 36.42 20.94

11 > 2,500 3,000 2,750 710 32,926 1.90 88.31 2,969.21 32,361.87 4.36 47.53 25 256 4.42 45.31 1,646.20 7,800.99 6.40 30.32 55.44 24.11

12 > 3,000 4,000 3,500 897 33,823 2.41 90.72 4,213.08 36,574.94 6.19 53.72 29 285 5.13 50.44 3,918.48 11,719.47 15.23 45.55 93.01 32.04

13 > 4,000 5,000 4,500 585 34,408 1.57 92.29 3,213.53 39,788.48 4.72 58.44 12 297 2.12 52.57 367.38 12,086.85 1.43 46.98 11.43 30.38

14 > 5,000 7,500 6,250 714 35,122 1.92 94.20 4,941.76 44,730.24 7.26 65.70 46 343 8.14 60.71 5,908.17 17,995.02 22.96 69.94 119.56 40.23

15 > 7,500 10,000 8,750 457 35,579 1.23 95.43 3,486.57 48,216.81 5.12 70.82 9 352 1.59 62.30 17.48 18,012.50 0.07 70.00 0.50 37.36

16 > 10,000 20,000 15,000 614 36,193 1.65 97.07 6,466.04 54,682.85 9.50 80.32 46 398 8.14 70.44 2,420.73 20,433.23 9.41 79.41 37.44 37.37

17 > 20,000 50,000 35,000 563 36,756 1.51 98.58 7,029.42 61,712.27 10.33 90.65 61 459 10.80 81.24 1,319.17 21,752.41 5.13 84.54 18.77 35.25

18 > 50,000 100,000 75,000 191 36,947 0.51 99.10 2,507.08 64,219.35 3.68 94.33 28 487 4.96 86.19 705.71 22,458.12 2.74 87.28 28.15 34.97

19 > 100,000 500,000 300,000 207 37,154 0.56 99.65 2,799.05 67,018.40 4.11 98.44 40 527 7.08 93.27 1,239.67 23,697.79 4.82 92.10 44.29 35.36

20 > 500,000 130 37,284 0.35 100.00 1,062.87 68,081.27 1.56 100.00 38 565 6.73 100.00 2,032.55 25,730.34 7.90 100.00 191.23 37.79

T O T A L 37,284 68,081.27 565 25,730.34 37.79

Page 143 of 204





1 0 50 25 1,535 1,535 14.07 14.07 661.42 661.42 5.26 5.26 6 6 6.90 6.90 46.69 46.69 1.92 1.92 7.06 7.06

2 > 50 100 75 1,771 3,306 16.23 30.30 292.03 953.45 2.32 7.58 3 9 3.45 10.34 53.02 99.71 2.18 4.10 18.16 10.46

3 > 100 200 150 2,299 5,605 21.07 51.37 701.40 1,654.85 5.57 13.15 2 11 2.30 12.64 10.26 109.96 0.42 4.52 1.46 6.64

4 > 200 300 250 1,116 6,721 10.23 61.60 678.68 2,333.53 5.39 18.54 3 14 3.45 16.09 300.00 409.96 12.34 16.87 44.20 17.57

5 > 300 500 400 1,515 8,236 13.89 75.48 1,096.94 3,430.47 8.72 27.26 26 40 29.89 45.98 112.28 522.24 4.62 21.49 10.24 15.22

6 > 500 750 625 675 8,911 6.19 81.67 871.73 4,302.20 6.93 34.19 3 43 3.45 49.43 11.33 533.57 0.47 21.95 1.30 12.40

7 > 750 1,000 875 397 9,308 3.64 85.31 677.50 4,979.70 5.38 39.57 1 44 1.15 50.57 0.00 533.57 0.00 21.95 0.00 10.71

8 > 1,000 1,500 1,250 377 9,685 3.46 88.76 857.98 5,837.68 6.82 46.39 3 47 3.45 54.02 90.87 624.44 3.74 25.69 10.59 10.70

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

8 > 1,000 1,500 1,250 377 9,685 3.46 88.76 857.98 5,837.68 6.82 46.39 3 47 3.45 54.02 90.87 624.44 3.74 25.69 10.59 10.70

9 > 1,500 2,000 1,750 222 9,907 2.03 90.80 670.16 6,507.85 5.33 51.72 9 56 10.34 64.37 62.52 686.96 2.57 28.27 9.33 10.56

10 > 2,000 2,500 2,250 151 10,058 1.38 92.18 569.02 7,076.86 4.52 56.24 6 62 6.90 71.26 94.04 781.00 3.87 32.14 16.53 11.04

11 > 2,500 3,000 2,750 130 10,188 1.19 93.37 522.40 7,599.27 4.15 60.39 4 66 4.60 75.86 44.33 825.33 1.82 33.96 8.49 10.86

12 > 3,000 4,000 3,500 165 10,353 1.51 94.89 623.07 8,222.34 4.95 65.34 0 66 0.00 75.86 0.00 825.33 0.00 33.96 0.00 10.04

13 > 4,000 5,000 4,500 138 10,491 1.26 96.15 658.27 8,880.61 5.23 70.58 5 71 5.75 81.61 117.12 942.45 4.82 38.78 17.79 10.61

14 > 5,000 7,500 6,250 127 10,618 1.16 97.31 677.40 9,558.01 5.38 75.96 2 73 2.30 83.91 31.81 974.26 1.31 40.09 4.70 10.19

15 > 7,500 10,000 8,750 65 10,683 0.60 97.91 311.13 9,869.13 2.47 78.43 6 79 6.90 90.80 1.58 975.84 0.06 40.15 0.51 9.89

16 > 10,000 20,000 15,000 91 10,774 0.83 98.74 1,078.45 10,947.58 8.57 87.00 2 81 2.30 93.10 835.00 1,810.84 34.36 74.51 77.43 16.54

17 > 20,000 50,000 35,000 69 10,843 0.63 99.38 763.49 11,711.07 6.07 93.07 0 81 0.00 93.10 0.00 1,810.84 0.00 74.51 0.00 15.46

18 > 50,000 100,000 75,000 29 10,872 0.27 99.64 332.43 12,043.50 2.64 95.71 2 83 2.30 95.40 36.50 1,847.34 1.50 76.01 10.98 15.34

19 > 100,000 500,000 300,000 33 10,905 0.30 99.95 325.37 12,368.86 2.59 98.30 4 87 4.60 100.00 582.98 2,430.32 23.99 100.00 179.17 19.65

20 > 500,000 6 10,911 0.05 100.00 214.29 12,583.16 1.70 100.00 0 87 0.00 100.00 0.00 2,430.32 0.00 100.00 0.00 19.31

T O T A L 10,911 12,583.16 87 2,430.32 19.31T O T A L 10,911 12,583.16 87 2,430.32 19.31

Page 144 of 204





1 0 50 25 864 864 10.95 10.95 397.75 397.75 3.91 3.91 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 1,042 1,906 13.20 24.14 148.03 545.78 1.45 5.36 1 1 9.09 9.09 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 1,694 3,600 21.46 45.60 405.75 951.52 3.98 9.34 0 1 0.00 9.09 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 958 4,558 12.14 57.74 449.77 1,401.30 4.42 13.76 0 1 0.00 9.09 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 1,110 5,668 14.06 71.80 903.60 2,304.89 8.87 22.64 0 1 0.00 9.09 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 600 6,268 7.60 79.40 847.78 3,152.67 8.33 30.96 2 3 18.18 27.27 31.25 31.25 9.35 9.35 3.69 0.99

7 > 750 1,000 875 423 6,691 5.36 84.76 887.81 4,040.48 8.72 39.68 2 5 18.18 45.45 194.62 225.86 58.24 67.59 21.92 5.59

8 > 1,000 1,500 1,250 386 7,077 4.89 89.65 1,181.82 5,222.30 11.61 51.29 0 5 0.00 45.45 0.00 225.86 0.00 67.59 0.00 4.32

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES



RP f


F

8 > 1,000 1,500 1,250 386 7,077 4.89 89.65 1,181.82 5,222.30 11.61 51.29 0 5 0.00 45.45 0.00 225.86 0.00 67.59 0.00 4.32

9 > 1,500 2,000 1,750 222 7,299 2.81 92.46 874.44 6,096.74 8.59 59.87 0 5 0.00 45.45 0.00 225.86 0.00 67.59 0.00 3.70

10 > 2,000 2,500 2,250 117 7,416 1.48 93.94 533.12 6,629.86 5.24 65.11 0 5 0.00 45.45 0.00 225.86 0.00 67.59 0.00 3.41

11 > 2,500 3,000 2,750 70 7,486 0.89 94.83 377.04 7,006.90 3.70 68.81 0 5 0.00 45.45 0.00 225.86 0.00 67.59 0.00 3.22

12 > 3,000 4,000 3,500 89 7,575 1.13 95.96 453.68 7,460.58 4.46 73.27 0 5 0.00 45.45 0.00 225.86 0.00 67.59 0.00 3.03

13 > 4,000 5,000 4,500 60 7,635 0.76 96.72 382.28 7,842.86 3.75 77.02 2 7 18.18 63.64 74.30 300.16 22.24 89.83 19.44 3.83

14 > 5,000 7,500 6,250 102 7,737 1.29 98.01 656.39 8,499.25 6.45 83.47 0 7 0.00 63.64 0.00 300.16 0.00 89.83 0.00 3.53

15 > 7,500 10,000 8,750 34 7,771 0.43 98.44 304.12 8,803.38 2.99 86.46 0 7 0.00 63.64 0.00 300.16 0.00 89.83 0.00 3.41

16 > 10,000 20,000 15,000 57 7,828 0.72 99.16 490.42 9,293.80 4.82 91.27 4 11 36.36 100.00 33.98 334.15 10.17 100.00 6.93 3.60

17 > 20,000 50,000 35,000 32 7,860 0.41 99.57 358.90 9,652.70 3.52 94.80 0 11 0.00 100.00 0.00 334.15 0.00 100.00 0.00 3.46

18 > 50,000 100,000 75,000 18 7,878 0.23 99.80 351.54 10,004.24 3.45 98.25 0 11 0.00 100.00 0.00 334.15 0.00 100.00 0.00 3.34

19 > 100,000 500,000 300,000 12 7,890 0.15 99.95 134.27 10,138.52 1.32 99.57 0 11 0.00 100.00 0.00 334.15 0.00 100.00 0.00 3.30

20 > 500,000 4 7,894 0.05 100.00 44.00 10,182.51 0.43 100.00 0 11 0.00 100.00 0.00 334.15 0.00 100.00 0.00 3.28

T O T A L 7,894 10,182.51 11 334.15 3.28T O T A L 7,894 10,182.51 11 334.15 3.28

Page 145 of 204





1 0 50 25 368 368 9.78 9.78 627.74 627.74 8.55 8.55 4 4 15.38 15.38 43.42 43.42 2.04 2.04 6.92 6.92

2 > 50 100 75 489 857 13.00 22.79 106.99 734.72 1.46 10.01 4 8 15.38 30.77 10.61 54.04 0.50 2.54 9.92 7.35

3 > 100 200 150 764 1,621 20.31 43.10 261.43 996.15 3.56 13.57 4 12 15.38 46.15 203.97 258.01 9.60 12.14 78.02 25.90

4 > 200 300 250 434 2,055 11.54 54.64 257.06 1,253.21 3.50 17.08 0 12 0.00 46.15 0.00 258.01 0.00 12.14 0.00 20.59

5 > 300 500 400 476 2,531 12.66 67.30 445.19 1,698.40 6.07 23.14 0 12 0.00 46.15 0.00 258.01 0.00 12.14 0.00 15.19

6 > 500 750 625 313 2,844 8.32 75.62 504.38 2,202.78 6.87 30.02 0 12 0.00 46.15 0.00 258.01 0.00 12.14 0.00 11.71

7 > 750 1,000 875 176 3,020 4.68 80.30 480.92 2,683.70 6.55 36.57 6 18 23.08 69.23 1,098.43 1,356.44 51.68 63.82 228.40 50.54

8 > 1,000 1,500 1,250 186 3,206 4.95 85.24 651.79 3,335.49 8.88 45.45 0 18 0.00 69.23 0.00 1,356.44 0.00 63.82 0.00 40.67

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

8 > 1,000 1,500 1,250 186 3,206 4.95 85.24 651.79 3,335.49 8.88 45.45 0 18 0.00 69.23 0.00 1,356.44 0.00 63.82 0.00 40.67

9 > 1,500 2,000 1,750 99 3,305 2.63 87.88 444.78 3,780.27 6.06 51.51 0 18 0.00 69.23 0.00 1,356.44 0.00 63.82 0.00 35.88

10 > 2,000 2,500 2,250 60 3,365 1.60 89.47 319.67 4,099.94 4.36 55.87 0 18 0.00 69.23 0.00 1,356.44 0.00 63.82 0.00 33.08

11 > 2,500 3,000 2,750 57 3,422 1.52 90.99 297.29 4,397.23 4.05 59.92 0 18 0.00 69.23 0.00 1,356.44 0.00 63.82 0.00 30.85

12 > 3,000 4,000 3,500 57 3,479 1.52 92.50 339.53 4,736.76 4.63 64.55 0 18 0.00 69.23 0.00 1,356.44 0.00 63.82 0.00 28.64

13 > 4,000 5,000 4,500 42 3,521 1.12 93.62 244.75 4,981.52 3.34 67.88 3 21 11.54 80.77 659.37 2,015.82 31.02 94.85 269.40 40.47

14 > 5,000 7,500 6,250 53 3,574 1.41 95.03 396.77 5,378.29 5.41 73.29 0 21 0.00 80.77 0.00 2,015.82 0.00 94.85 0.00 37.48

15 > 7,500 10,000 8,750 50 3,624 1.33 96.36 385.47 5,763.76 5.25 78.54 0 21 0.00 80.77 0.00 2,015.82 0.00 94.85 0.00 34.97

16 > 10,000 20,000 15,000 60 3,684 1.60 97.95 677.14 6,440.90 9.23 87.77 0 21 0.00 80.77 0.00 2,015.82 0.00 94.85 0.00 31.30

17 > 20,000 50,000 35,000 43 3,727 1.14 99.10 548.67 6,989.57 7.48 95.25 2 23 7.69 88.46 21.73 2,037.55 1.02 95.87 3.96 29.15

18 > 50,000 100,000 75,000 19 3,746 0.51 99.60 229.43 7,219.01 3.13 98.37 0 23 0.00 88.46 0.00 2,037.55 0.00 95.87 0.00 28.22

19 > 100,000 500,000 300,000 10 3,756 0.27 99.87 69.91 7,288.91 0.95 99.33 3 26 11.54 100.00 87.78 2,125.33 4.13 100.00 125.56 29.16

20 > 500,000 5 3,761 0.13 100.00 49.36 7,338.28 0.67 100.00 0 26 0.00 100.00 0.00 2,125.33 0.00 100.00 0.00 28.96

T O T A L 3,761 7,338.28 26 2,125.33 28.96T O T A L 3,761 7,338.28 26 2,125.33 28.96

Page 146 of 204





1 0 50 25 1,173 1,173 11.92 11.92 895.01 895.01 5.13 5.13 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 1,017 2,190 10.33 22.25 210.00 1,105.01 1.20 6.34 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 1,679 3,869 17.06 39.32 507.82 1,612.83 2.91 9.25 2 2 8.70 8.70 91.41 91.41 7.27 7.27 18.00 5.67

4 > 200 300 250 1,312 5,181 13.33 52.65 535.32 2,148.15 3.07 12.32 2 4 8.70 17.39 64.58 155.99 5.14 12.41 12.06 7.26

5 > 300 500 400 1,546 6,727 15.71 68.36 1,218.63 3,366.78 6.99 19.30 2 6 8.70 26.09 343.71 499.70 27.35 39.76 28.20 14.84

6 > 500 750 625 864 7,591 8.78 77.14 1,572.07 4,938.85 9.01 28.32 5 11 21.74 47.83 255.29 754.99 20.31 60.07 16.24 15.29

7 > 750 1,000 875 598 8,189 6.08 83.21 1,395.69 6,334.54 8.00 36.32 0 11 0.00 47.83 0.00 754.99 0.00 60.07 0.00 11.92

8 > 1,000 1,500 1,250 461 8,650 4.68 87.90 1,484.53 7,819.07 8.51 44.83 0 11 0.00 47.83 0.00 754.99 0.00 60.07 0.00 9.66


RPPERCENTAGE

rp RPBAND

rp


LOSS RATIO

f


NUMBER OF POLICIESPERCENTAGE(in million) Mid Points PERCENTAGE

f F F

8 > 1,000 1,500 1,250 461 8,650 4.68 87.90 1,484.53 7,819.07 8.51 44.83 0 11 0.00 47.83 0.00 754.99 0.00 60.07 0.00 9.66

9 > 1,500 2,000 1,750 304 8,954 3.09 90.99 1,330.37 9,149.44 7.63 52.46 0 11 0.00 47.83 0.00 754.99 0.00 60.07 0.00 8.25

10 > 2,000 2,500 2,250 172 9,126 1.75 92.73 865.03 10,014.47 4.96 57.42 0 11 0.00 47.83 0.00 754.99 0.00 60.07 0.00 7.54

11 > 2,500 3,000 2,750 128 9,254 1.30 94.04 823.69 10,838.17 4.72 62.14 0 11 0.00 47.83 0.00 754.99 0.00 60.07 0.00 6.97

12 > 3,000 4,000 3,500 162 9,416 1.65 95.68 1,043.69 11,881.85 5.98 68.12 0 11 0.00 47.83 0.00 754.99 0.00 60.07 0.00 6.35

13 > 4,000 5,000 4,500 83 9,499 0.84 96.52 764.76 12,646.61 4.38 72.51 0 11 0.00 47.83 0.00 754.99 0.00 60.07 0.00 5.97

14 > 5,000 7,500 6,250 97 9,596 0.99 97.51 788.22 13,434.83 4.52 77.03 9 20 39.13 86.96 429.23 1,184.21 34.15 94.21 54.46 8.81

15 > 7,500 10,000 8,750 57 9,653 0.58 98.09 617.03 14,051.86 3.54 80.56 0 20 0.00 86.96 0.00 1,184.21 0.00 94.21 0.00 8.43

16 > 10,000 20,000 15,000 86 9,739 0.87 98.96 1,252.45 15,304.32 7.18 87.74 0 20 0.00 86.96 0.00 1,184.21 0.00 94.21 0.00 7.74

17 > 20,000 50,000 35,000 53 9,792 0.54 99.50 959.77 16,264.09 5.50 93.25 1 21 4.35 91.30 0.00 1,184.21 0.00 94.21 0.00 7.28

18 > 50,000 100,000 75,000 31 9,823 0.32 99.82 727.78 16,991.87 4.17 97.42 0 21 0.00 91.30 0.00 1,184.21 0.00 94.21 0.00 6.97

19 > 100,000 500,000 300,000 13 9,836 0.13 99.95 350.52 17,342.39 2.01 99.43 0 21 0.00 91.30 0.00 1,184.21 0.00 94.21 0.00 6.83

20 > 500,000 5 9,841 0.05 100.00 99.58 17,441.98 0.57 100.00 2 23 8.70 100.00 72.71 1,256.93 5.79 100.00 73.02 7.21

T O T A L 9,841 17,441.98 23 1,256.93 7.21T O T A L 9,841 17,441.98 23 1,256.93 7.21

Page 147 of 204





1 0 50 25 114 114 10.40 10.40 40.25 40.25 2.12 2.12 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 110 224 10.04 20.44 15.06 55.31 0.79 2.91 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 226 450 20.62 41.06 43.15 98.47 2.27 5.19 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 146 596 13.32 54.38 72.68 171.14 3.83 9.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 176 772 16.06 70.44 140.74 311.88 7.42 16.43 2 2 33.33 33.33 430.17 430.17 45.70 45.70 305.65 137.93

6 > 500 750 625 76 848 6.93 77.37 101.30 413.19 5.34 21.77 0 2 0.00 33.33 0.00 430.17 0.00 45.70 0.00 104.11

7 > 750 1,000 875 63 911 5.75 83.12 124.50 537.69 6.56 28.33 2 4 33.33 66.67 449.12 879.29 47.71 93.41 360.73 163.53

8 > 1,000 1,500 1,250 52 963 4.74 87.86 239.50 777.19 12.62 40.95 0 4 0.00 66.67 0.00 879.29 0.00 93.41 0.00 113.14

SUM INSURED CLAIM SEVERITY (in million Rupiah)(in million) PERCENTAGE


LOSS RATIO


rp RPBAND

rp

NUMBER OF POLICIES


8 > 1,000 1,500 1,250 52 963 4.74 87.86 239.50 777.19 12.62 40.95 0 4 0.00 66.67 0.00 879.29 0.00 93.41 0.00 113.14

9 > 1,500 2,000 1,750 39 1,002 3.56 91.42 245.62 1,022.81 12.94 53.89 0 4 0.00 66.67 0.00 879.29 0.00 93.41 0.00 85.97

10 > 2,000 2,500 2,250 13 1,015 1.19 92.61 62.17 1,084.99 3.28 57.17 0 4 0.00 66.67 0.00 879.29 0.00 93.41 0.00 81.04

11 > 2,500 3,000 2,750 20 1,035 1.82 94.43 95.24 1,180.23 5.02 62.19 0 4 0.00 66.67 0.00 879.29 0.00 93.41 0.00 74.50

12 > 3,000 4,000 3,500 14 1,049 1.28 95.71 68.84 1,249.06 3.63 65.82 0 4 0.00 66.67 0.00 879.29 0.00 93.41 0.00 70.40

13 > 4,000 5,000 4,500 9 1,058 0.82 96.53 67.67 1,316.73 3.57 69.38 0 4 0.00 66.67 0.00 879.29 0.00 93.41 0.00 66.78

14 > 5,000 7,500 6,250 16 1,074 1.46 97.99 174.68 1,491.42 9.20 78.59 0 4 0.00 66.67 0.00 879.29 0.00 93.41 0.00 58.96

15 > 7,500 10,000 8,750 6 1,080 0.55 98.54 55.41 1,546.83 2.92 81.51 0 4 0.00 66.67 0.00 879.29 0.00 93.41 0.00 56.84

16 > 10,000 20,000 15,000 3 1,083 0.27 98.81 92.39 1,639.22 4.87 86.38 0 4 0.00 66.67 0.00 879.29 0.00 93.41 0.00 53.64

17 > 20,000 50,000 35,000 5 1,088 0.46 99.27 182.53 1,821.75 9.62 95.99 0 4 0.00 66.67 0.00 879.29 0.00 93.41 0.00 48.27

18 > 50,000 100,000 75,000 5 1,093 0.46 99.73 38.02 1,859.77 2.00 98.00 2 6 33.33 100.00 62.01 941.29 6.59 100.00 163.10 50.61

19 > 100,000 500,000 300,000 3 1,096 0.27 100.00 38.02 1,897.79 2.00 100.00 0 6 0.00 100.00 0.00 941.29 0.00 100.00 0.00 49.60

20 > 500,000 0 1,096 0.00 100.00 0.00 1,897.79 0.00 100.00 0 6 0.00 100.00 0.00 941.29 0.00 100.00 0.00 49.60

T O T A L 1,096 1,897.79 6 941.29 49.60T O T A L 1,096 1,897.79 6 941.29 49.60

Page 148 of 204





1 0 50 25 247 247 5.94 5.94 218.53 218.53 4.93 4.93 2 2 8.70 8.70 6.25 6.25 0.29 0.29 2.86 2.86

2 > 50 100 75 430 677 10.34 16.29 51.50 270.03 1.16 6.09 0 2 0.00 8.70 0.00 6.25 0.00 0.29 0.00 2.31

3 > 100 200 150 1,067 1,744 25.67 41.95 183.59 453.63 4.14 10.24 1 3 4.35 13.04 0.00 6.25 0.00 0.29 0.00 1.38

4 > 200 300 250 671 2,415 16.14 58.09 187.78 641.41 4.24 14.47 0 3 0.00 13.04 0.00 6.25 0.00 0.29 0.00 0.97

5 > 300 500 400 660 3,075 15.88 73.97 364.64 1,006.04 8.23 22.70 4 7 17.39 30.43 454.44 460.69 20.88 21.17 124.63 45.79

6 > 500 750 625 315 3,390 7.58 81.55 306.73 1,312.77 6.92 29.62 0 7 0.00 30.43 0.00 460.69 0.00 21.17 0.00 35.09

7 > 750 1,000 875 254 3,644 6.11 87.66 393.21 1,705.98 8.87 38.50 3 10 13.04 43.48 43.94 504.63 2.02 23.19 11.17 29.58

8 > 1,000 1,500 1,250 161 3,805 3.87 91.53 400.19 2,106.17 9.03 47.53 0 10 0.00 43.48 0.00 504.63 0.00 23.19 0.00 23.96

RPBAND

rp


NUMBER OF POLICIES




RP f FPERCENTAGE

rpPERCENTAGE

8 > 1,000 1,500 1,250 161 3,805 3.87 91.53 400.19 2,106.17 9.03 47.53 0 10 0.00 43.48 0.00 504.63 0.00 23.19 0.00 23.96

9 > 1,500 2,000 1,750 101 3,906 2.43 93.96 295.12 2,401.29 6.66 54.19 0 10 0.00 43.48 0.00 504.63 0.00 23.19 0.00 21.01

10 > 2,000 2,500 2,250 40 3,946 0.96 94.92 150.09 2,551.39 3.39 57.57 0 10 0.00 43.48 0.00 504.63 0.00 23.19 0.00 19.78

11 > 2,500 3,000 2,750 50 3,996 1.20 96.13 212.33 2,763.72 4.79 62.37 0 10 0.00 43.48 0.00 504.63 0.00 23.19 0.00 18.26

12 > 3,000 4,000 3,500 45 4,041 1.08 97.21 251.70 3,015.41 5.68 68.04 0 10 0.00 43.48 0.00 504.63 0.00 23.19 0.00 16.73

13 > 4,000 5,000 4,500 35 4,076 0.84 98.05 197.13 3,212.54 4.45 72.49 3 13 13.04 56.52 249.11 753.74 11.45 34.64 126.37 23.46

14 > 5,000 7,500 6,250 23 4,099 0.55 98.60 241.95 3,454.49 5.46 77.95 3 16 13.04 69.57 43.35 797.09 1.99 36.63 17.92 23.07

15 > 7,500 10,000 8,750 14 4,113 0.34 98.94 118.23 3,572.72 2.67 80.62 0 16 0.00 69.57 0.00 797.09 0.00 36.63 0.00 22.31

16 > 10,000 20,000 15,000 34 4,147 0.82 99.76 603.30 4,176.02 13.61 94.23 7 23 30.43 100.00 1,378.87 2,175.96 63.37 100.00 228.55 52.11

17 > 20,000 50,000 35,000 7 4,154 0.17 99.93 148.90 4,324.92 3.36 97.59 0 23 0.00 100.00 0.00 2,175.96 0.00 100.00 0.00 50.31

18 > 50,000 100,000 75,000 1 4,155 0.02 99.95 36.00 4,360.92 0.81 98.41 0 23 0.00 100.00 0.00 2,175.96 0.00 100.00 0.00 49.90

19 > 100,000 500,000 300,000 2 4,157 0.05 100.00 70.58 4,431.51 1.59 100.00 0 23 0.00 100.00 0.00 2,175.96 0.00 100.00 0.00 49.10

20 > 500,000 0 4,157 0.00 100.00 0.00 4,431.51 0.00 100.00 0 23 0.00 100.00 0.00 2,175.96 0.00 100.00 0.00 49.10

T O T A L 4,157 4,431.51 23 2,175.96 49.10T O T A L 4,157 4,431.51 23 2,175.96 49.10

Page 149 of 204




1 0 50 25 8,508 8,508 15.12 15.12 12,272.71 12,272.71 10.12 10.12 53 53 7.21 7.21 372.65 372.65 0.31 0.31 3.04 3.04

2 > 50 100 75 5,860 14,368 10.42 25.54 873.58 13,146.29 0.72 10.84 23 76 3.13 10.34 417.54 790.19 0.35 0.67 47.80 6.01

3 > 100 200 150 9,047 23,415 16.08 41.62 2,086.17 15,232.46 1.72 12.56 5 81 0.68 11.02 305.72 1,095.91 0.26 0.92 14.65 7.19

4 > 200 300 250 6,258 29,673 11.12 52.74 2,409.36 17,641.82 1.99 14.54 30 111 4.08 15.10 409.79 1,505.70 0.35 1.27 17.01 8.53

5 > 300 500 400 7,463 37,136 13.27 66.01 4,555.85 22,197.67 3.76 18.30 17 128 2.31 17.41 1,172.19 2,677.89 0.99 2.26 25.73 12.06

6 > 500 750 625 4,307 41,443 7.66 73.67 4,061.88 26,259.55 3.35 21.65 18 146 2.45 19.86 1,540.76 4,218.66 1.30 3.56 37.93 16.07

7 > 750 1,000 875 2,886 44,329 5.13 78.80 4,100.32 30,359.87 3.38 25.03 10 156 1.36 21.22 81.49 4,300.15 0.07 3.62 1.99 14.16

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

7 > 750 1,000 875 2,886 44,329 5.13 78.80 4,100.32 30,359.87 3.38 25.03 10 156 1.36 21.22 81.49 4,300.15 0.07 3.62 1.99 14.16

8 > 1,000 1,500 1,250 2,384 46,713 4.24 83.03 4,669.10 35,028.98 3.85 28.88 36 192 4.90 26.12 2,271.41 6,571.56 1.91 5.54 48.65 18.76

9 > 1,500 2,000 1,750 1,395 48,108 2.48 85.51 3,897.95 38,926.93 3.21 32.09 14 206 1.90 28.03 255.87 6,827.43 0.22 5.75 6.56 17.54

10 > 2,000 2,500 2,250 820 48,928 1.46 86.97 2,646.21 41,573.15 2.18 34.27 2 208 0.27 28.30 0.00 6,827.43 0.00 5.75 0.00 16.42

11 > 2,500 3,000 2,750 682 49,610 1.21 88.18 2,651.11 44,224.26 2.19 36.46 31 239 4.22 32.52 3,823.30 10,650.73 3.22 8.98 144.22 24.08

12 > 3,000 4,000 3,500 911 50,521 1.62 89.80 4,253.59 48,477.85 3.51 39.96 24 263 3.27 35.78 4,812.87 15,463.60 4.06 13.03 113.15 31.90

13 > 4,000 5,000 4,500 623 51,144 1.11 90.91 3,611.54 52,089.39 2.98 42.94 50 313 6.80 42.59 9,188.69 24,652.29 7.74 20.78 254.43 47.33

14 > 5,000 7,500 6,250 1,020 52,164 1.81 92.72 7,385.55 59,474.94 6.09 49.03 38 351 5.17 47.76 9,947.48 34,599.77 8.38 29.16 134.69 58.18

15 > 7,500 10,000 8,750 609 52,773 1.08 93.81 5,226.73 64,701.67 4.31 53.34 41 392 5.58 53.33 4,700.80 39,300.57 3.96 33.12 89.94 60.74

16 > 10,000 20,000 15,000 1,009 53,782 1.79 95.60 13,156.47 77,858.13 10.85 64.18 57 449 7.76 61.09 6,564.53 45,865.10 5.53 38.65 49.90 58.91

17 > 20,000 50,000 35,000 1,084 54,866 1.93 97.53 14,621.24 92,479.38 12.05 76.23 89 538 12.11 73.20 5,560.19 51,425.29 4.69 43.34 38.03 55.61

18 > 50,000 100,000 75,000 569 55,435 1.01 98.54 9,042.65 101,522.03 7.45 83.69 59 597 8.03 81.22 47,832.54 99,257.83 40.31 83.65 528.97 97.77

19 > 100,000 500,000 300,000 601 56,036 1.07 99.61 15,643.44 117,165.47 12.90 96.58 92 689 12.52 93.74 12,689.69 111,947.52 10.69 94.34 81.12 95.55

20 > 500,000 222 56,258 0.39 100.00 4,145.65 121,311.12 3.42 100.00 46 735 6.26 100.00 6,714.57 118,662.08 5.66 100.00 161.97 97.8220 > 500,000 222 56,258 0.39 100.00 4,145.65 121,311.12 3.42 100.00 46 735 6.26 100.00 6,714.57 118,662.08 5.66 100.00 161.97 97.82

T O T A L 56,258 121,311.12 735 118,662.08 97.82

Page 150 of 204





1 0 50 25 583 583 18.44 18.44 271.80 271.80 7.48 7.48 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 362 945 11.45 29.89 34.84 306.64 0.96 8.44 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 531 1,476 16.79 46.68 128.76 435.39 3.54 11.98 2 2 15.38 15.38 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 387 1,863 12.24 58.92 143.31 578.70 3.94 15.92 2 4 15.38 30.77 15.00 15.00 3.96 3.96 10.47 2.59

5 > 300 500 400 409 2,272 12.93 71.85 226.03 804.73 6.22 22.14 0 4 0.00 30.77 0.00 15.00 0.00 3.96 0.00 1.86

6 > 500 750 625 227 2,499 7.18 79.03 220.50 1,025.24 6.07 28.21 3 7 23.08 53.85 330.02 345.02 87.15 91.11 149.67 33.65

7 > 750 1,000 875 158 2,657 5.00 84.03 271.96 1,297.19 7.48 35.69 0 7 0.00 53.85 0.00 345.02 0.00 91.11 0.00 26.60

8 > 1,000 1,500 1,250 104 2,761 3.29 87.32 258.18 1,555.37 7.10 42.80 0 7 0.00 53.85 0.00 345.02 0.00 91.11 0.00 22.18

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

8 > 1,000 1,500 1,250 104 2,761 3.29 87.32 258.18 1,555.37 7.10 42.80 0 7 0.00 53.85 0.00 345.02 0.00 91.11 0.00 22.18

9 > 1,500 2,000 1,750 98 2,859 3.10 90.42 202.63 1,758.00 5.58 48.37 0 7 0.00 53.85 0.00 345.02 0.00 91.11 0.00 19.63

10 > 2,000 2,500 2,250 42 2,901 1.33 91.75 129.30 1,887.30 3.56 51.93 0 7 0.00 53.85 0.00 345.02 0.00 91.11 0.00 18.28

11 > 2,500 3,000 2,750 34 2,935 1.08 92.82 100.86 1,988.16 2.78 54.70 0 7 0.00 53.85 0.00 345.02 0.00 91.11 0.00 17.35

12 > 3,000 4,000 3,500 46 2,981 1.45 94.28 179.28 2,167.44 4.93 59.64 2 9 15.38 69.23 6.45 351.48 1.70 92.82 3.60 16.22

13 > 4,000 5,000 4,500 17 2,998 0.54 94.81 88.44 2,255.88 2.43 62.07 0 9 0.00 69.23 0.00 351.48 0.00 92.82 0.00 15.58

14 > 5,000 7,500 6,250 40 3,038 1.27 96.08 277.68 2,533.56 7.64 69.71 0 9 0.00 69.23 0.00 351.48 0.00 92.82 0.00 13.87

15 > 7,500 10,000 8,750 25 3,063 0.79 96.87 240.00 2,773.56 6.60 76.31 0 9 0.00 69.23 0.00 351.48 0.00 92.82 0.00 12.67

16 > 10,000 20,000 15,000 23 3,086 0.73 97.60 166.31 2,939.87 4.58 80.89 0 9 0.00 69.23 0.00 351.48 0.00 92.82 0.00 11.96

17 > 20,000 50,000 35,000 25 3,111 0.79 98.39 239.42 3,179.29 6.59 87.48 0 9 0.00 69.23 0.00 351.48 0.00 92.82 0.00 11.06

18 > 50,000 100,000 75,000 17 3,128 0.54 98.92 131.65 3,310.94 3.62 91.10 2 11 15.38 84.62 6.00 357.48 1.58 94.40 4.56 10.80

19 > 100,000 500,000 300,000 20 3,148 0.63 99.56 229.92 3,540.86 6.33 97.43 2 13 15.38 100.00 21.20 378.68 5.60 100.00 9.22 10.69

20 > 500,000 14 3,162 0.44 100.00 93.53 3,634.39 2.57 100.00 0 13 0.00 100.00 0.00 378.68 0.00 100.00 0.00 10.42

T O T A L 3,162 3,634.39 13 378.68 10.42T O T A L 3,162 3,634.39 13 378.68 10.42

Page 151 of 204





1 0 50 25 405 405 15.71 15.71 176.33 176.33 5.44 5.44 2 2 25.00 25.00 33.00 33.00 43.78 43.78 18.71 18.71

2 > 50 100 75 320 725 12.41 28.12 54.47 230.80 1.68 7.11 0 2 0.00 25.00 0.00 33.00 0.00 43.78 0.00 14.30

3 > 100 200 150 572 1,297 22.19 50.31 93.70 324.50 2.89 10.00 0 2 0.00 25.00 0.00 33.00 0.00 43.78 0.00 10.17

4 > 200 300 250 356 1,653 13.81 64.12 111.84 436.34 3.45 13.45 0 2 0.00 25.00 0.00 33.00 0.00 43.78 0.00 7.56

5 > 300 500 400 343 1,996 13.30 77.42 232.75 669.10 7.17 20.62 0 2 0.00 25.00 0.00 33.00 0.00 43.78 0.00 4.93

6 > 500 750 625 182 2,178 7.06 84.48 165.18 834.27 5.09 25.72 0 2 0.00 25.00 0.00 33.00 0.00 43.78 0.00 3.96

7 > 750 1,000 875 69 2,247 2.68 87.16 651.65 1,485.92 20.09 45.80 0 2 0.00 25.00 0.00 33.00 0.00 43.78 0.00 2.22

8 > 1,000 1,500 1,250 116 2,363 4.50 91.66 318.60 1,804.51 9.82 55.62 0 2 0.00 25.00 0.00 33.00 0.00 43.78 0.00 1.83

f




RP

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f

8 > 1,000 1,500 1,250 116 2,363 4.50 91.66 318.60 1,804.51 9.82 55.62 0 2 0.00 25.00 0.00 33.00 0.00 43.78 0.00 1.83

9 > 1,500 2,000 1,750 54 2,417 2.09 93.75 212.84 2,017.35 6.56 62.18 2 4 25.00 50.00 7.71 40.71 10.23 54.01 3.62 2.02

10 > 2,000 2,500 2,250 36 2,453 1.40 95.15 175.50 2,192.86 5.41 67.59 0 4 0.00 50.00 0.00 40.71 0.00 54.01 0.00 1.86

11 > 2,500 3,000 2,750 23 2,476 0.89 96.04 118.57 2,311.42 3.65 71.25 0 4 0.00 50.00 0.00 40.71 0.00 54.01 0.00 1.76

12 > 3,000 4,000 3,500 22 2,498 0.85 96.90 110.22 2,421.64 3.40 74.64 0 4 0.00 50.00 0.00 40.71 0.00 54.01 0.00 1.68

13 > 4,000 5,000 4,500 16 2,514 0.62 97.52 101.26 2,522.90 3.12 77.76 0 4 0.00 50.00 0.00 40.71 0.00 54.01 0.00 1.61

14 > 5,000 7,500 6,250 20 2,534 0.78 98.29 104.37 2,627.27 3.22 80.98 0 4 0.00 50.00 0.00 40.71 0.00 54.01 0.00 1.55

15 > 7,500 10,000 8,750 10 2,544 0.39 98.68 102.11 2,729.38 3.15 84.13 4 8 50.00 100.00 34.67 75.38 45.99 100.00 33.95 2.76

16 > 10,000 20,000 15,000 20 2,564 0.78 99.46 321.46 3,050.84 9.91 94.04 0 8 0.00 100.00 0.00 75.38 0.00 100.00 0.00 2.47

17 > 20,000 50,000 35,000 9 2,573 0.35 99.81 157.83 3,208.67 4.86 98.90 0 8 0.00 100.00 0.00 75.38 0.00 100.00 0.00 2.35

18 > 50,000 100,000 75,000 5 2,578 0.19 100.00 35.61 3,244.27 1.10 100.00 0 8 0.00 100.00 0.00 75.38 0.00 100.00 0.00 2.32

19 > 100,000 500,000 300,000 0 2,578 0.00 100.00 0.00 3,244.27 0.00 100.00 0 8 0.00 100.00 0.00 75.38 0.00 100.00 0.00 2.32

20 > 500,000 0 2,578 0.00 100.00 0.00 3,244.27 0.00 100.00 0 8 0.00 100.00 0.00 75.38 0.00 100.00 0.00 2.32

T O T A L 2,578 3,244.27 8 75.38 2.32

Page 152 of 204





1 0 50 25 1,899 1,899 10.99 10.99 2,115.95 2,115.95 7.42 7.42 11 11 8.27 8.27 71.40 71.40 0.50 0.50 3.37 3.37

2 > 50 100 75 1,912 3,811 11.07 22.06 374.03 2,489.98 1.31 8.73 7 18 5.26 13.53 115.49 186.90 0.81 1.31 30.88 7.51

3 > 100 200 150 3,515 7,326 20.34 42.40 915.79 3,405.77 3.21 11.94 0 18 0.00 13.53 0.00 186.90 0.00 1.31 0.00 5.49

4 > 200 300 250 2,376 9,702 13.75 56.15 1,222.67 4,628.44 4.29 16.23 14 32 10.53 24.06 12.65 199.55 0.09 1.39 1.03 4.31

5 > 300 500 400 2,753 12,455 15.93 72.09 2,361.75 6,990.19 8.28 24.51 0 32 0.00 24.06 0.00 199.55 0.00 1.39 0.00 2.85

6 > 500 750 625 1,512 13,967 8.75 80.84 2,038.30 9,028.49 7.15 31.65 4 36 3.01 27.07 69.45 268.99 0.49 1.88 3.41 2.98

7 > 750 1,000 875 853 14,820 4.94 85.77 1,553.22 10,581.71 5.45 37.10 8 44 6.02 33.08 30.21 299.20 0.21 2.09 1.94 2.83



RP f FPERCENTAGE

rpPERCENTAGE

RPBAND

rp


NUMBER OF POLICIES


7 > 750 1,000 875 853 14,820 4.94 85.77 1,553.22 10,581.71 5.45 37.10 8 44 6.02 33.08 30.21 299.20 0.21 2.09 1.94 2.83

8 > 1,000 1,500 1,250 682 15,502 3.95 89.72 1,774.14 12,355.85 6.22 43.32 4 48 3.01 36.09 921.59 1,220.80 6.44 8.53 51.95 9.88

9 > 1,500 2,000 1,750 340 15,842 1.97 91.69 1,138.20 13,494.05 3.99 47.31 2 50 1.50 37.59 227.16 1,447.96 1.59 10.12 19.96 10.73

10 > 2,000 2,500 2,250 205 16,047 1.19 92.88 836.99 14,331.03 2.93 50.24 2 52 1.50 39.10 106.91 1,554.87 0.75 10.86 12.77 10.85

11 > 2,500 3,000 2,750 165 16,212 0.95 93.83 795.48 15,126.52 2.79 53.03 8 60 6.02 45.11 2,740.47 4,295.34 19.15 30.01 344.50 28.40

12 > 3,000 4,000 3,500 202 16,414 1.17 95.00 1,148.58 16,275.10 4.03 57.06 2 62 1.50 46.62 0.60 4,295.94 0.00 30.01 0.05 26.40

13 > 4,000 5,000 4,500 137 16,551 0.79 95.79 932.92 17,208.02 3.27 60.33 0 62 0.00 46.62 0.00 4,295.94 0.00 30.01 0.00 24.96

14 > 5,000 7,500 6,250 134 16,685 0.78 96.57 1,140.58 18,348.60 4.00 64.33 6 68 4.51 51.13 137.11 4,433.05 0.96 30.97 12.02 24.16

15 > 7,500 10,000 8,750 84 16,769 0.49 97.05 736.19 19,084.79 2.58 66.91 2 70 1.50 52.63 38.44 4,471.49 0.27 31.24 5.22 23.43

16 > 10,000 20,000 15,000 162 16,931 0.94 97.99 1,756.78 20,841.57 6.16 73.07 0 70 0.00 52.63 0.00 4,471.49 0.00 31.24 0.00 21.45

17 > 20,000 50,000 35,000 120 17,051 0.69 98.69 1,642.01 22,483.58 5.76 78.82 15 85 11.28 63.91 209.56 4,681.05 1.46 32.70 12.76 20.82

18 > 50,000 100,000 75,000 76 17,127 0.44 99.13 1,215.06 23,698.64 4.26 83.08 2 87 1.50 65.41 10.53 4,691.58 0.07 32.78 0.87 19.80

19 > 100,000 500,000 300,000 108 17,235 0.63 99.75 1,386.45 25,085.09 4.86 87.94 30 117 22.56 87.97 6,343.01 11,034.59 44.31 77.09 457.50 43.99

20 > 500,000 43 17,278 0.25 100.00 3,439.37 28,524.46 12.06 100.00 16 133 12.03 100.00 3,279.05 14,313.63 22.91 100.00 95.34 50.1820 > 500,000 43 17,278 0.25 100.00 3,439.37 28,524.46 12.06 100.00 16 133 12.03 100.00 3,279.05 14,313.63 22.91 100.00 95.34 50.18

T O T A L 17,278 28,524.46 133 14,313.63 50.18

Page 153 of 204




1 0 50 25 198,441 198,441 14.86 14.86 152,108.16 152,108.16 5.39 5.39 593 593 6.96 6.96 3,071.38 3,071.38 0.40 0.40 2.02 2.02

2 > 50 100 75 137,738 336,179 10.31 25.17 26,666.13 178,774.29 0.95 6.34 329 922 3.86 10.83 7,235.30 10,306.68 0.94 1.34 27.13 5.77

3 > 100 200 150 198,988 535,167 14.90 40.07 60,896.12 239,670.41 2.16 8.50 391 1,313 4.59 15.42 12,372.84 22,679.52 1.60 2.94 20.32 9.46

4 > 200 300 250 130,859 666,026 9.80 49.87 64,995.86 304,666.28 2.30 10.80 313 1,626 3.68 19.09 11,845.32 34,524.84 1.53 4.47 18.22 11.33


LOSS RATIO


rp RP


rp



f FMid Points

F

5 > 300 500 400 158,776 824,802 11.89 61.76 125,156.83 429,823.10 4.44 15.24 513 2,139 6.02 25.12 21,410.60 55,935.44 2.77 7.25 17.11 13.01

6 > 500 750 625 92,926 917,728 6.96 68.71 106,503.38 536,326.48 3.78 19.01 423 2,562 4.97 30.08 16,293.47 72,228.91 2.11 9.36 15.30 13.47

7 > 750 1,000 875 75,340 993,068 5.64 74.36 130,752.71 667,079.19 4.63 23.65 509 3,071 5.98 36.06 28,983.65 101,212.56 3.76 13.11 22.17 15.17

8 > 1,000 1,500 1,250 71,017 1,064,085 5.32 79.67 129,931.15 797,010.34 4.61 28.25 442 3,513 5.19 41.25 24,546.37 125,758.92 3.18 16.29 18.89 15.78

9 > 1,500 2,000 1,750 43,512 1,107,597 3.26 82.93 102,687.90 899,698.24 3.64 31.89 312 3,825 3.66 44.92 18,299.09 144,058.02 2.37 18.67 17.82 16.01

10 > 2,000 2,500 2,250 25,982 1,133,579 1.95 84.88 96,297.72 995,995.96 3.41 35.30 227 4,052 2.67 47.58 17,519.38 161,577.40 2.27 20.94 18.19 16.22

11 > 2,500 3,000 2,750 22,984 1,156,563 1.72 86.60 68,673.80 1,064,669.76 2.43 37.74 224 4,276 2.63 50.21 18,906.55 180,483.95 2.45 23.38 27.53 16.95

12 > 3,000 4,000 3,500 28,150 1,184,713 2.11 88.70 98,883.00 1,163,552.75 3.50 41.24 255 4,531 2.99 53.21 19,404.74 199,888.69 2.51 25.90 19.62 17.18

13 > 4,000 5,000 4,500 21,933 1,206,646 1.64 90.35 139,284.21 1,302,836.96 4.94 46.18 249 4,780 2.92 56.13 29,085.46 228,974.15 3.77 29.67 20.88 17.58

14 > 5,000 7,500 6,250 27,970 1,234,616 2.09 92.44 145,546.20 1,448,383.16 5.16 51.34 708 5,488 8.31 64.44 47,146.38 276,120.53 6.11 35.78 32.39 19.06

15 > 7,500 10,000 8,750 19,926 1,254,542 1.49 93.93 132,167.47 1,580,550.62 4.68 56.02 286 5,774 3.36 67.80 51,210.57 327,331.10 6.64 42.41 38.75 20.71

16 > 10,000 20,000 15,000 28,902 1,283,444 2.16 96.10 286,953.38 1,867,504.00 10.17 66.19 547 6,321 6.42 74.22 81,559.19 408,890.29 10.57 52.98 28.42 21.90

17 > 20,000 50,000 35,000 23,287 1,306,731 1.74 97.84 346,180.23 2,213,684.23 12.27 78.47 625 6,946 7.34 81.56 116,813.21 525,703.50 15.14 68.11 33.74 23.7517 > 20,000 50,000 35,000 23,287 1,306,731 1.74 97.84 346,180.23 2,213,684.23 12.27 78.47 625 6,946 7.34 81.56 116,813.21 525,703.50 15.14 68.11 33.74 23.75

18 > 50,000 100,000 75,000 11,019 1,317,750 0.83 98.67 208,456.32 2,422,140.56 7.39 85.85 429 7,375 5.04 86.60 58,296.68 584,000.19 7.55 75.67 27.97 24.11

19 > 100,000 500,000 300,000 13,038 1,330,788 0.98 99.64 235,799.17 2,657,939.73 8.36 94.21 656 8,031 7.70 94.30 116,448.37 700,448.56 15.09 90.76 49.38 26.35

20 > 500,000 4,778 1,335,566 0.36 100.00 163,278.63 2,821,218.36 5.79 100.00 485 8,516 5.70 100.00 71,349.19 771,797.75 9.24 100.00 43.70 27.36

T O T A L 1,335,566 2,821,218.37 8,516 771,797.74 27.36

Page 154 of 204




1 0 50 25 154,710 154,710 15.64 15.64 72,519.90 72,519.90 6.08 6.08 203 203 6.70 6.70 1,130.89 1,130.89 0.46 0.46 1.56 1.56

2 > 50 100 75 121,219 275,929 12.25 27.89 22,907.15 95,427.05 1.92 8.00 144 347 4.75 11.44 3,554.35 4,685.24 1.43 1.89 15.52 4.91

3 > 100 200 150 174,472 450,401 17.64 45.53 53,177.41 148,604.46 4.46 12.46 204 551 6.73 18.17 6,418.97 11,104.21 2.59 4.48 12.07 7.47

4 > 200 300 250 111,448 561,849 11.27 56.80 56,383.05 204,987.51 4.73 17.19 163 714 5.38 23.55 7,972.59 19,076.80 3.22 7.70 14.14 9.31

5 > 300 500 400 127,880 689,729 12.93 69.73 104,091.82 309,079.34 8.73 25.92 225 939 7.42 30.97 11,747.66 30,824.46 4.74 12.44 11.29 9.97

ORIGINAL PREMIUM (in million Rupiah) CLAIM SEVERITY (in million Rupiah)CLAIM FREQUENCYPERCENTAGE

f F


LOSS RATIO


rp RPBAND

rp

SUM INSURED(in million) Mid Points

6 > 500 750 625 68,645 758,374 6.94 76.66 83,453.17 392,532.51 7.00 32.91 143 1,082 4.72 35.69 8,426.86 39,251.32 3.40 15.84 10.10 10.00

7 > 750 1,000 875 50,531 808,905 5.11 81.77 81,331.73 473,864.24 6.82 39.73 201 1,283 6.63 42.32 11,991.97 51,243.29 4.84 20.68 14.74 10.81

8 > 1,000 1,500 1,250 42,248 851,153 4.27 86.04 86,636.50 560,500.74 7.26 47.00 121 1,404 3.99 46.31 6,024.53 57,267.82 2.43 23.12 6.95 10.22

9 > 1,500 2,000 1,750 26,240 877,393 2.65 88.70 65,024.00 625,524.74 5.45 52.45 86 1,490 2.84 49.14 6,471.52 63,739.34 2.61 25.73 9.95 10.19

10 > 2,000 2,500 2,250 15,281 892,674 1.54 90.24 43,458.40 668,983.13 3.64 56.09 61 1,551 2.01 51.15 10,337.20 74,076.54 4.17 29.90 23.79 11.07

11 > 2,500 3,000 2,750 13,823 906,497 1.40 91.64 38,995.19 707,978.32 3.27 59.36 52 1,603 1.72 52.87 5,833.33 79,909.87 2.35 32.26 14.96 11.29

12 > 3,000 4,000 3,500 16,032 922,529 1.62 93.26 52,806.78 760,785.10 4.43 63.79 92 1,695 3.03 55.90 8,767.62 88,677.49 3.54 35.80 16.60 11.66

13 > 4,000 5,000 4,500 12,592 935,121 1.27 94.53 44,089.01 804,874.11 3.70 67.49 74 1,769 2.44 58.34 12,469.70 101,147.19 5.03 40.83 28.28 12.57

14 > 5,000 7,500 6,250 14,707 949,828 1.49 96.02 62,129.67 867,003.78 5.21 72.70 464 2,233 15.30 73.65 13,130.33 114,277.52 5.30 46.13 21.13 13.18

15 > 7,500 10,000 8,750 10,392 960,220 1.05 97.07 48,560.46 915,564.24 4.07 76.77 80 2,313 2.64 76.29 24,085.99 138,363.51 9.72 55.85 49.60 15.11

16 > 10,000 20,000 15,000 12,860 973,080 1.30 98.37 90,054.68 1,005,618.92 7.55 84.32 123 2,436 4.06 80.34 11,945.52 150,309.02 4.82 60.67 13.26 14.95

17 > 20,000 50,000 35,000 8,369 981,449 0.85 99.22 70,149.75 1,075,768.67 5.88 90.20 190 2,626 6.27 86.61 38,079.25 188,388.27 15.37 76.04 54.28 17.51

18 > 50,000 100,000 75,000 3,131 984,580 0.32 99.53 32,542.97 1,108,311.64 2.73 92.93 75 2,701 2.47 89.08 17,508.14 205,896.41 7.07 83.11 53.80 18.5818 > 50,000 100,000 75,000 3,131 984,580 0.32 99.53 32,542.97 1,108,311.64 2.73 92.93 75 2,701 2.47 89.08 17,508.14 205,896.41 7.07 83.11 53.80 18.58

19 > 100,000 500,000 300,000 3,493 988,073 0.35 99.89 35,389.57 1,143,701.21 2.97 95.90 182 2,883 6.00 95.09 29,250.74 235,147.16 11.81 94.92 82.65 20.56

20 > 500,000 1,137 989,210 0.11 100.00 48,957.23 1,192,658.43 4.10 100.00 149 3,032 4.91 100.00 12,587.48 247,734.63 5.08 100.00 25.71 20.77

T O T A L 989,210 1,192,658.43 3,032 247,734.63 20.77

Page 155 of 204




1 0 50 25 25,618 25,618 12.60 12.60 38,872.02 38,872.02 4.27 4.27 390 390 7.15 7.15 1,940.49 1,940.49 0.37 0.37 4.99 4.99

2 > 50 100 75 9,245 34,863 4.55 17.15 2,174.51 41,046.53 0.24 4.51 182 572 3.34 10.49 3,673.83 5,614.32 0.70 1.07 168.95 13.68

3 > 100 200 150 12,562 47,425 6.18 23.33 3,947.91 44,994.44 0.43 4.94 184 756 3.38 13.87 5,951.87 11,566.19 1.14 2.21 150.76 25.71

4 > 200 300 250 10,539 57,964 5.18 28.52 4,658.87 49,653.31 0.51 5.45 150 906 2.75 16.62 3,872.73 15,438.92 0.74 2.95 83.13 31.09

5 > 300 500 400 18,374 76,338 9.04 37.56 12,288.00 61,941.31 1.35 6.80 287 1,193 5.27 21.89 9,662.93 25,101.85 1.85 4.80 78.64 40.53

BANDSUM INSURED


f FPERCENTAGE

RPrp

LOSS RATIOMid Points


f F


rp RPPERCENTAGE

6 > 500 750 625 14,682 91,020 7.22 44.78 12,556.49 74,497.79 1.38 8.18 280 1,473 5.14 27.02 7,866.60 32,968.45 1.50 6.30 62.65 44.25

7 > 750 1,000 875 14,710 105,730 7.24 52.02 33,664.38 108,162.17 3.70 11.88 308 1,781 5.65 32.67 16,991.68 49,960.14 3.25 9.55 50.47 46.19

8 > 1,000 1,500 1,250 16,071 121,801 7.91 59.92 25,320.54 133,482.72 2.78 14.66 321 2,102 5.89 38.56 18,521.84 68,481.97 3.54 13.08 73.15 51.30

9 > 1,500 2,000 1,750 10,966 132,767 5.39 65.32 23,587.95 157,070.67 2.59 17.25 226 2,328 4.15 42.71 11,827.57 80,309.54 2.26 15.34 50.14 51.13

10 > 2,000 2,500 2,250 6,849 139,616 3.37 68.69 39,675.50 196,746.17 4.36 21.61 166 2,494 3.05 45.75 7,182.19 87,491.73 1.37 16.72 18.10 44.47

11 > 2,500 3,000 2,750 5,819 145,435 2.86 71.55 18,178.76 214,924.93 2.00 23.60 168 2,662 3.08 48.84 13,068.39 100,560.12 2.50 19.21 71.89 46.79

12 > 3,000 4,000 3,500 7,645 153,080 3.76 75.31 27,886.81 242,811.74 3.06 26.67 161 2,823 2.95 51.79 10,624.43 111,184.55 2.03 21.24 38.10 45.79

13 > 4,000 5,000 4,500 5,635 158,715 2.77 78.08 75,103.26 317,915.00 8.25 34.91 171 2,994 3.14 54.93 16,599.79 127,784.33 3.17 24.41 22.10 40.19

14 > 5,000 7,500 6,250 8,065 166,780 3.97 82.05 50,215.40 368,130.40 5.51 40.43 244 3,238 4.48 59.40 34,016.06 161,800.39 6.50 30.91 67.74 43.95

15 > 7,500 10,000 8,750 5,546 172,326 2.73 84.78 43,081.80 411,212.20 4.73 45.16 206 3,444 3.78 63.18 27,124.58 188,924.97 5.18 36.10 62.96 45.94

16 > 10,000 20,000 15,000 9,490 181,816 4.67 89.45 110,076.97 521,289.17 12.09 57.25 412 3,856 7.56 70.74 69,081.45 258,006.42 13.20 49.30 62.76 49.49

17 > 20,000 50,000 35,000 8,914 190,730 4.39 93.83 156,903.24 678,192.41 17.23 74.48 431 4,287 7.91 78.65 78,634.96 336,641.38 15.02 64.32 50.12 49.64

18 > 50,000 100,000 75,000 4,633 195,363 2.28 96.11 92,697.23 770,889.64 10.18 84.66 354 4,641 6.49 85.14 40,788.55 377,429.93 7.79 72.11 44.00 48.9618 > 50,000 100,000 75,000 4,633 195,363 2.28 96.11 92,697.23 770,889.64 10.18 84.66 354 4,641 6.49 85.14 40,788.55 377,429.93 7.79 72.11 44.00 48.96

19 > 100,000 500,000 300,000 5,647 201,010 2.78 98.89 98,404.09 869,293.74 10.81 95.46 474 5,115 8.70 93.84 87,197.63 464,627.55 16.66 88.77 88.61 53.45

20 > 500,000 2,254 203,264 1.11 100.00 41,306.84 910,600.58 4.54 100.00 336 5,451 6.16 100.00 58,761.71 523,389.27 11.23 100.00 142.26 57.48

T O T A L 203,264 910,600.58 5,451 523,389.27 57.48

Page 156 of 204





1 0 50 25 4 4 3.17 3.17 13.77 13.77 4.43 4.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 1 5 0.79 3.97 0.11 13.88 0.04 4.46 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 3 8 2.38 6.35 0.25 14.13 0.08 4.54 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 20 28 15.87 22.22 5.10 19.23 1.64 6.18 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 3 31 2.38 24.60 1.98 21.21 0.64 6.82 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 4 35 3.17 27.78 1.33 22.55 0.43 7.25 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 1 36 0.79 28.57 0.60 23.15 0.19 7.44 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 8 44 6.35 34.92 6.20 29.35 1.99 9.44 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGEMid PointsBANDSUM INSURED

(in million)F


NUMBER OF POLICIES

f

LOSS RATIO

RP fPERCENTAGE

rp RP


F


8 > 1,000 1,500 1,250 8 44 6.35 34.92 6.20 29.35 1.99 9.44 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 2 46 1.59 36.51 3.60 32.95 1.16 10.60 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 6 52 4.76 41.27 9.08 42.03 2.92 13.52 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 1 53 0.79 42.06 0.00 42.03 0.00 13.52 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 > 3,000 4,000 3,500 4 57 3.17 45.24 13.94 55.97 4.48 18.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 > 4,000 5,000 4,500 1 58 0.79 46.03 3.08 59.05 0.99 18.99 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 > 5,000 7,500 6,250 5 63 3.97 50.00 23.77 82.82 7.64 26.63 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 > 7,500 10,000 8,750 4 67 3.17 53.17 18.31 101.12 5.89 32.52 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 > 10,000 20,000 15,000 21 88 16.67 69.84 69.91 171.04 22.48 55.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 > 20,000 50,000 35,000 12 100 9.52 79.37 35.84 206.88 11.53 66.53 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 > 50,000 100,000 75,000 13 113 10.32 89.68 52.23 259.10 16.80 83.33 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 > 100,000 500,000 300,000 13 126 10.32 100.00 51.84 310.94 16.67 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 > 500,000 0 126 10.32 100.00 0.00 310.94 16.67 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

T O T A L 126 310.94 0 0.00 0.00T O T A L 126 310.94 0 0.00 0.00

Page 157 of 204





1 0 50 25 18,109 18,109 12.67 12.67 40,702.48 40,702.48 5.67 5.67 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 7,273 25,382 5.09 17.75 1,584.35 42,286.83 0.22 5.89 3 3 9.09 9.09 7.13 7.13 1.06 1.06 0.45 0.02

3 > 100 200 150 11,951 37,333 8.36 26.11 3,770.55 46,057.38 0.53 6.42 3 6 9.09 18.18 2.00 9.13 0.30 1.35 0.05 0.02

4 > 200 300 250 8,852 46,185 6.19 32.30 3,948.84 50,006.22 0.55 6.97 0 6 0.00 18.18 0.00 9.13 0.00 1.35 0.00 0.02

5 > 300 500 400 12,519 58,704 8.76 41.06 8,775.02 58,781.24 1.22 8.19 1 7 3.03 21.21 0.00 9.13 0.00 1.35 0.00 0.02

6 > 500 750 625 9,595 68,299 6.71 47.77 10,492.39 69,273.64 1.46 9.65 0 7 0.00 21.21 0.00 9.13 0.00 1.35 0.00 0.01

7 > 750 1,000 875 10,098 78,397 7.06 54.84 15,755.99 85,029.63 2.20 11.85 0 7 0.00 21.21 0.00 9.13 0.00 1.35 0.00 0.01

8 > 1,000 1,500 1,250 12,690 91,087 8.88 63.71 17,967.90 102,997.54 2.50 14.35 0 7 0.00 21.21 0.00 9.13 0.00 1.35 0.00 0.01


LOSS RATIO


rp RP


rp



f

8 > 1,000 1,500 1,250 12,690 91,087 8.88 63.71 17,967.90 102,997.54 2.50 14.35 0 7 0.00 21.21 0.00 9.13 0.00 1.35 0.00 0.01

9 > 1,500 2,000 1,750 6,304 97,391 4.41 68.12 14,072.35 117,069.88 1.96 16.31 0 7 0.00 21.21 0.00 9.13 0.00 1.35 0.00 0.01

10 > 2,000 2,500 2,250 3,846 101,237 2.69 70.81 13,154.74 130,224.63 1.83 18.15 0 7 0.00 21.21 0.00 9.13 0.00 1.35 0.00 0.01

11 > 2,500 3,000 2,750 3,342 104,579 2.34 73.15 11,499.84 141,724.47 1.60 19.75 4 11 12.12 33.33 4.84 13.96 0.72 2.07 0.04 0.01

12 > 3,000 4,000 3,500 4,468 109,047 3.13 76.27 18,175.47 159,899.94 2.53 22.28 2 13 6.06 39.39 12.69 26.65 1.88 3.95 0.07 0.02

13 > 4,000 5,000 4,500 3,706 112,753 2.59 78.87 20,091.94 179,991.88 2.80 25.08 4 17 12.12 51.52 15.97 42.62 2.37 6.33 0.08 0.02

14 > 5,000 7,500 6,250 5,192 117,945 3.63 82.50 33,174.28 213,166.16 4.62 29.70 0 17 0.00 51.52 0.00 42.62 0.00 6.33 0.00 0.02

15 > 7,500 10,000 8,750 3,984 121,929 2.79 85.29 40,506.90 253,673.06 5.64 35.35 0 17 0.00 51.52 0.00 42.62 0.00 6.33 0.00 0.02

16 > 10,000 20,000 15,000 6,531 128,460 4.57 89.85 86,751.82 340,424.88 12.09 47.44 12 29 36.36 87.88 532.22 574.84 78.98 85.31 0.61 0.17

17 > 20,000 50,000 35,000 5,992 134,452 4.19 94.04 119,091.39 459,516.27 16.59 64.03 4 33 12.12 100.00 99.01 673.85 14.69 100.00 0.08 0.15

18 > 50,000 100,000 75,000 3,242 137,694 2.27 96.31 83,163.89 542,680.17 11.59 75.62 0 33 0.00 100.00 0.00 673.85 0.00 100.00 0.00 0.12

19 > 100,000 500,000 300,000 3,885 141,579 2.72 99.03 101,953.67 644,633.84 14.21 89.83 0 33 0.00 100.00 0.00 673.85 0.00 100.00 0.00 0.10

20 > 500,000 1,387 142,966 0.97 100.00 73,014.57 717,648.40 10.17 100.00 0 33 0.00 100.00 0.00 673.85 0.00 100.00 0.00 0.09

T O T A L 142,966 717,648.40 33 673.85 0.09T O T A L 142,966 717,648.40 33 673.85 0.09

Page 158 of 204





1 0 50 25 275 275 11.12 11.12 2,462.20 2,462.20 6.29 6.29 2 2 4.65 4.65 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 39 314 1.58 12.70 7.92 2,470.12 0.02 6.31 0 2 0.00 4.65 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 67 381 2.71 15.41 26.98 2,497.10 0.07 6.38 0 2 0.00 4.65 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 51 432 2.06 17.48 32.46 2,529.56 0.08 6.46 0 2 0.00 4.65 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 76 508 3.07 20.55 129.28 2,658.83 0.33 6.79 0 2 0.00 4.65 0.00 0.00 0.00 0.00 0.00 0.00

BANDrp


LOSS RATIO

RP f FPERCENTAGE


NUMBER OF POLICIES


rp RP

5 > 300 500 400 76 508 3.07 20.55 129.28 2,658.83 0.33 6.79 0 2 0.00 4.65 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 88 596 3.56 24.11 204.35 2,863.18 0.52 7.31 0 2 0.00 4.65 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 56 652 2.27 26.38 85.74 2,948.93 0.22 7.53 0 2 0.00 4.65 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 88 740 3.56 29.94 170.46 3,119.38 0.44 7.96 0 2 0.00 4.65 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 62 802 2.51 32.44 155.19 3,274.57 0.40 8.36 0 2 0.00 4.65 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 71 873 2.87 35.32 237.61 3,512.18 0.61 8.97 3 5 6.98 11.63 25.27 25.27 0.93 0.93 10.64 0.72

11 > 2,500 3,000 2,750 43 916 1.74 37.06 131.29 3,643.47 0.34 9.30 0 5 0.00 11.63 0.00 25.27 0.00 0.93 0.00 0.69

12 > 3,000 4,000 3,500 74 990 2.99 40.05 323.91 3,967.38 0.83 10.13 1 6 2.33 13.95 0.00 25.27 0.00 0.93 0.00 0.64

13 > 4,000 5,000 4,500 71 1,061 2.87 42.92 509.18 4,476.56 1.30 11.43 0 6 0.00 13.95 0.00 25.27 0.00 0.93 0.00 0.56

14 > 5,000 7,500 6,250 121 1,182 4.89 47.82 724.59 5,201.14 1.85 13.28 0 6 0.00 13.95 0.00 25.27 0.00 0.93 0.00 0.49

15 > 7,500 10,000 8,750 104 1,286 4.21 52.02 804.48 6,005.63 2.05 15.33 2 8 4.65 18.60 707.32 732.59 26.04 26.97 87.92 12.20

16 > 10,000 20,000 15,000 199 1,485 8.05 60.07 12,080.85 18,086.47 30.84 46.18 9 17 20.93 39.53 138.33 870.92 5.09 32.06 1.15 4.82

17 > 20,000 50,000 35,000 266 1,751 10.76 70.83 6,341.79 24,428.26 16.19 62.37 4 21 9.30 48.84 39.54 910.46 1.46 33.52 0.62 3.73

18 > 50,000 100,000 75,000 156 1,907 6.31 77.14 1,875.00 26,303.26 4.79 67.16 4 25 9.30 58.14 946.50 1,856.96 34.85 68.37 50.48 7.0618 > 50,000 100,000 75,000 156 1,907 6.31 77.14 1,875.00 26,303.26 4.79 67.16 4 25 9.30 58.14 946.50 1,856.96 34.85 68.37 50.48 7.06

19 > 100,000 500,000 300,000 353 2,260 14.28 91.42 5,408.92 31,712.17 13.81 80.97 15 40 34.88 93.02 859.17 2,716.13 31.63 100.00 15.88 8.56

20 > 500,000 212 2,472 8.58 100.00 7,455.20 39,167.37 19.03 100.00 3 43 6.98 100.00 0.00 2,716.13 0.00 100.00 0.00 6.93

T O T A L 2,472 39,167.37 43 2,716.13 6.93

Page 159 of 204





1 0 50 25 419 419 13.51 13.51 2,051.24 2,051.24 8.37 8.37 1 1 1.89 1.89 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 93 512 3.00 16.51 27.02 2,078.26 0.11 8.48 2 3 3.77 5.66 80.81 80.81 1.33 1.33 299.07 3.89

3 > 100 200 150 108 620 3.48 19.99 102.48 2,180.74 0.42 8.90 0 3 0.00 5.66 0.00 80.81 0.00 1.33 0.00 3.71

4 > 200 300 250 93 713 3.00 22.99 36.29 2,217.03 0.15 9.05 0 3 0.00 5.66 0.00 80.81 0.00 1.33 0.00 3.64

5 > 300 500 400 138 851 4.45 27.43 155.68 2,372.72 0.64 9.68 0 3 0.00 5.66 0.00 80.81 0.00 1.33 0.00 3.41


rp


NUMBER OF POLICIES




rp RP

5 > 300 500 400 138 851 4.45 27.43 155.68 2,372.72 0.64 9.68 0 3 0.00 5.66 0.00 80.81 0.00 1.33 0.00 3.41

6 > 500 750 625 116 967 3.74 31.17 128.75 2,501.47 0.53 10.21 1 4 1.89 7.55 0.00 80.81 0.00 1.33 0.00 3.23

7 > 750 1,000 875 91 1,058 2.93 34.11 122.50 2,623.96 0.50 10.71 0 4 0.00 7.55 0.00 80.81 0.00 1.33 0.00 3.08

8 > 1,000 1,500 1,250 147 1,205 4.74 38.85 352.12 2,976.09 1.44 12.14 2 6 3.77 11.32 14.85 95.66 0.24 1.58 4.22 3.21

9 > 1,500 2,000 1,750 122 1,327 3.93 42.78 347.44 3,323.52 1.42 13.56 6 12 11.32 22.64 241.71 337.37 3.98 5.56 69.57 10.15

10 > 2,000 2,500 2,250 104 1,431 3.35 46.13 306.29 3,629.81 1.25 14.81 0 12 0.00 22.64 0.00 337.37 0.00 5.56 0.00 9.29

11 > 2,500 3,000 2,750 70 1,501 2.26 48.39 327.75 3,957.56 1.34 16.15 2 14 3.77 26.42 11.59 348.96 0.19 5.75 3.54 8.82

12 > 3,000 4,000 3,500 138 1,639 4.45 52.84 480.63 4,438.19 1.96 18.11 0 14 0.00 26.42 0.00 348.96 0.00 5.75 0.00 7.86

13 > 4,000 5,000 4,500 117 1,756 3.77 56.61 592.70 5,030.89 2.42 20.53 0 14 0.00 26.42 0.00 348.96 0.00 5.75 0.00 6.94

14 > 5,000 7,500 6,250 133 1,889 4.29 60.90 705.43 5,736.32 2.88 23.41 0 14 0.00 26.42 0.00 348.96 0.00 5.75 0.00 6.08

15 > 7,500 10,000 8,750 92 1,981 2.97 63.86 573.79 6,310.10 2.34 25.75 2 16 3.77 30.19 16.30 365.25 0.27 6.02 2.84 5.79

16 > 10,000 20,000 15,000 211 2,192 6.80 70.66 1,743.86 8,053.96 7.12 32.87 0 16 0.00 30.19 0.00 365.25 0.00 6.02 0.00 4.54

17 > 20,000 50,000 35,000 316 2,508 10.19 80.85 3,532.61 11,586.57 14.42 47.28 18 34 33.96 64.15 5,548.94 5,914.19 91.45 97.47 157.08 51.04

18 > 50,000 100,000 75,000 201 2,709 6.48 87.33 2,171.60 13,758.17 8.86 56.14 0 34 0.00 64.15 0.00 5,914.19 0.00 97.47 0.00 42.9918 > 50,000 100,000 75,000 201 2,709 6.48 87.33 2,171.60 13,758.17 8.86 56.14 0 34 0.00 64.15 0.00 5,914.19 0.00 97.47 0.00 42.99

19 > 100,000 500,000 300,000 284 2,993 9.16 96.49 7,749.35 21,507.52 31.62 87.77 13 47 24.53 88.68 131.66 6,045.85 2.17 99.64 1.70 28.11

20 > 500,000 109 3,102 3.51 100.00 2,997.98 24,505.50 12.23 100.00 6 53 11.32 100.00 21.79 6,067.65 0.36 100.00 0.73 24.76

T O T A L 3,102 24,505.50 53 6,067.65 24.76

Page 160 of 204



Metals (Logam)


1 0 50 25 3,143 3,143 20.57 20.57 4,646.01 4,646.01 6.06 6.06 32 32 10.88 10.88 46.06 46.06 0.20 0.20 0.99 0.99

2 > 50 100 75 279 3,422 1.83 22.40 114.15 4,760.17 0.15 6.21 0 32 0.00 10.88 0.00 46.06 0.00 0.20 0.00 0.97

3 > 100 200 150 539 3,961 3.53 25.93 302.17 5,062.33 0.39 6.60 13 45 4.42 15.31 528.92 574.98 2.30 2.50 175.04 11.36

4 > 200 300 250 679 4,640 4.44 30.37 266.29 5,328.63 0.35 6.95 3 48 1.02 16.33 162.13 737.11 0.71 3.21 60.88 13.83

5 > 300 500 400 672 5,312 4.40 34.77 569.84 5,898.47 0.74 7.69 3 51 1.02 17.35 440.86 1,177.98 1.92 5.13 77.37 19.97




RPrpBAND

LOSS RATIO

FPERCENTAGE


fPERCENTAGE

rp RPPERCENTAGE

5 > 300 500 400 672 5,312 4.40 34.77 569.84 5,898.47 0.74 7.69 3 51 1.02 17.35 440.86 1,177.98 1.92 5.13 77.37 19.97

6 > 500 750 625 649 5,961 4.25 39.02 698.97 6,597.44 0.91 8.61 1 52 0.34 17.69 0.00 1,177.98 0.00 5.13 0.00 17.86

7 > 750 1,000 875 559 6,520 3.66 42.68 795.34 7,392.78 1.04 9.64 0 52 0.00 17.69 0.00 1,177.98 0.00 5.13 0.00 15.93

8 > 1,000 1,500 1,250 736 7,256 4.82 47.50 1,286.14 8,678.92 1.68 11.32 5 57 1.70 19.39 52.37 1,230.35 0.23 5.36 4.07 14.18

9 > 1,500 2,000 1,750 500 7,756 3.27 50.77 1,327.40 10,006.32 1.73 13.05 3 60 1.02 20.41 1,676.11 2,906.45 7.30 12.65 126.27 29.05

10 > 2,000 2,500 2,250 437 8,193 2.86 53.63 1,177.23 11,183.55 1.54 14.59 2 62 0.68 21.09 1.76 2,908.21 0.01 12.66 0.15 26.00

11 > 2,500 3,000 2,750 370 8,563 2.42 56.05 1,192.39 12,375.94 1.56 16.15 0 62 0.00 21.09 0.00 2,908.21 0.00 12.66 0.00 23.50

12 > 3,000 4,000 3,500 555 9,118 3.63 59.68 2,015.86 14,391.80 2.63 18.77 2 64 0.68 21.77 0.00 2,908.21 0.00 12.66 0.00 20.21

13 > 4,000 5,000 4,500 436 9,554 2.85 62.54 2,132.62 16,524.42 2.78 21.56 0 64 0.00 21.77 0.00 2,908.21 0.00 12.66 0.00 17.60

14 > 5,000 7,500 6,250 678 10,232 4.44 66.98 3,822.72 20,347.14 4.99 26.54 12 76 4.08 25.85 199.75 3,107.96 0.87 13.53 5.23 15.27

15 > 7,500 10,000 8,750 536 10,768 3.51 70.49 3,703.44 24,050.57 4.83 31.38 14 90 4.76 30.61 174.24 3,282.20 0.76 14.29 4.70 13.65

16 > 10,000 20,000 15,000 997 11,765 6.53 77.01 9,882.29 33,932.86 12.89 44.27 33 123 11.22 41.84 6,026.58 9,308.78 26.24 40.53 60.98 27.43

17 > 20,000 50,000 35,000 1,171 12,936 7.67 84.68 13,287.14 47,220.00 17.33 61.60 40 163 13.61 55.44 11,201.45 20,510.23 48.77 89.30 84.30 43.44

18 > 50,000 100,000 75,000 724 13,660 4.74 89.42 7,970.72 55,190.72 10.40 72.00 15 178 5.10 60.54 458.04 20,968.26 1.99 91.29 5.75 37.9918 > 50,000 100,000 75,000 724 13,660 4.74 89.42 7,970.72 55,190.72 10.40 72.00 15 178 5.10 60.54 458.04 20,968.26 1.99 91.29 5.75 37.99

19 > 100,000 500,000 300,000 1,196 14,856 7.83 97.24 13,693.08 68,883.79 17.86 89.86 57 235 19.39 79.93 699.83 21,668.09 3.05 94.34 5.11 31.46

20 > 500,000 421 15,277 2.76 100.00 7,770.92 76,654.72 10.14 100.00 59 294 20.07 100.00 1,300.42 22,968.51 5.66 100.00 16.73 29.96

T O T A L 15,277 76,654.72 294 22,968.51 29.96

Page 161 of 204





1 0 50 25 3,511 3,511 8.67 8.67 11,615.96 11,615.96 5.99 5.99 44 44 9.54 9.54 139.96 139.96 0.12 0.12 1.20 1.20

2 > 50 100 75 2,114 5,625 5.22 13.90 3,286.04 14,902.00 1.70 7.69 6 50 1.30 10.85 191.73 331.69 0.17 0.29 5.83 2.23

3 > 100 200 150 4,004 9,629 9.89 23.79 1,384.45 16,286.45 0.71 8.40 17 67 3.69 14.53 632.48 964.17 0.55 0.84 45.68 5.92

4 > 200 300 250 3,408 13,037 8.42 32.21 1,927.46 18,213.90 0.99 9.40 9 76 1.95 16.49 325.84 1,290.01 0.28 1.12 16.91 7.08

BANDrp


f FMid Points


LOSS RATIO


rp RP



5 > 300 500 400 4,678 17,715 11.56 43.77 3,536.42 21,750.32 1.83 11.22 22 98 4.77 21.26 1,206.44 2,496.45 1.05 2.17 34.11 11.48

6 > 500 750 625 2,912 20,627 7.19 50.96 3,227.77 24,978.09 1.67 12.89 3 101 0.65 21.91 709.49 3,205.93 0.62 2.79 21.98 12.83

7 > 750 1,000 875 2,334 22,961 5.77 56.73 3,884.02 28,862.11 2.00 14.89 24 125 5.21 27.11 2,914.15 6,120.08 2.54 5.33 75.03 21.20

8 > 1,000 1,500 1,250 2,158 25,119 5.33 62.06 4,503.03 33,365.14 2.32 17.22 7 132 1.52 28.63 178.87 6,298.95 0.16 5.49 3.97 18.88

9 > 1,500 2,000 1,750 1,430 26,549 3.53 65.60 4,214.65 37,579.79 2.18 19.39 14 146 3.04 31.67 2,014.92 8,313.87 1.76 7.24 47.81 22.12

10 > 2,000 2,500 2,250 964 27,513 2.38 67.98 3,025.88 40,605.67 1.56 20.96 9 155 1.95 33.62 1,673.83 9,987.69 1.46 8.70 55.32 24.60

11 > 2,500 3,000 2,750 901 28,414 2.23 70.20 3,516.37 44,122.03 1.81 22.77 8 163 1.74 35.36 134.95 10,122.64 0.12 8.82 3.84 22.94

12 > 3,000 4,000 3,500 1,201 29,615 2.97 73.17 5,960.14 50,082.18 3.08 25.85 13 176 2.82 38.18 323.55 10,446.19 0.28 9.10 5.43 20.86

13 > 4,000 5,000 4,500 897 30,512 2.22 75.39 6,293.78 56,375.96 3.25 29.09 17 193 3.69 41.87 7,430.04 17,876.23 6.47 15.57 118.05 31.71

14 > 5,000 7,500 6,250 1,491 32,003 3.68 79.07 13,531.90 69,907.86 6.98 36.08 12 205 2.60 44.47 10.93 17,887.16 0.01 15.58 0.08 25.59

15 > 7,500 10,000 8,750 1,016 33,019 2.51 81.58 13,650.60 83,558.46 7.04 43.12 22 227 4.77 49.24 10,855.07 28,742.23 9.46 25.04 79.52 34.40

16 > 10,000 20,000 15,000 2,152 35,171 5.32 86.90 28,834.12 112,392.58 14.88 58.00 37 264 8.03 57.27 17,160.95 45,903.18 14.95 39.99 59.52 40.84

17 > 20,000 50,000 35,000 2,155 37,326 5.32 92.22 25,340.86 137,733.44 13.08 71.08 40 304 8.68 65.94 12,863.50 58,766.68 11.21 51.19 50.76 42.67

18 > 50,000 100,000 75,000 1,135 38,461 2.80 95.03 16,680.21 154,413.65 8.61 79.69 47 351 10.20 76.14 4,130.50 62,897.17 3.60 54.79 24.76 40.73

19 > 100,000 500,000 300,000 1,467 39,928 3.62 98.65 25,551.44 179,965.09 13.19 92.88 54 405 11.71 87.85 19,414.57 82,311.74 16.91 71.70 75.98 45.74

20 > 500,000 546 40,474 1.35 100.00 13,806.09 193,771.18 7.12 100.00 56 461 12.15 100.00 32,485.66 114,797.41 28.30 100.00 235.30 59.24

T O T A L 40,474 193,771.18 461 114,797.41 59.24

Page 162 of 204



Textiles (Tekstil)


1 0 50 25 2,075 2,075 11.18 11.18 6,469.27 6,469.27 6.22 6.22 18 18 5.52 5.52 149.26 149.26 0.15 0.15 2.31 2.31

2 > 50 100 75 547 2,622 2.95 14.13 179.83 6,649.10 0.17 6.40 0 18 0.00 5.52 0.00 149.26 0.00 0.15 0.00 2.24

3 > 100 200 150 1,097 3,719 5.91 20.04 796.36 7,445.46 0.77 7.16 7 25 2.15 7.67 439.62 588.88 0.44 0.59 55.20 7.91

4 > 200 300 250 1,028 4,747 5.54 25.58 1,130.72 8,576.18 1.09 8.25 2 27 0.61 8.28 124.25 713.13 0.12 0.71 10.99 8.32

5 > 300 500 400 1,542 6,289 8.31 33.89 2,893.83 11,470.02 2.78 11.04 9 36 2.76 11.04 887.67 1,600.79 0.89 1.60 30.67 13.96



rp RP


rp



f FMid Points

F

5 > 300 500 400 1,542 6,289 8.31 33.89 2,893.83 11,470.02 2.78 11.04 9 36 2.76 11.04 887.67 1,600.79 0.89 1.60 30.67 13.96

6 > 500 750 625 1,095 7,384 5.90 39.79 2,329.27 13,799.29 2.24 13.28 7 43 2.15 13.19 918.32 2,519.12 0.92 2.51 39.43 18.26

7 > 750 1,000 875 1,013 8,397 5.46 45.25 2,412.88 16,212.17 2.32 15.60 7 50 2.15 15.34 85.90 2,605.02 0.09 2.60 3.56 16.07

8 > 1,000 1,500 1,250 1,023 9,420 5.51 50.76 3,340.60 19,552.78 3.21 18.81 24 74 7.36 22.70 3,754.88 6,359.89 3.75 6.35 112.40 32.53

9 > 1,500 2,000 1,750 847 10,267 4.56 55.33 2,656.85 22,209.63 2.56 21.37 11 85 3.37 26.07 2,246.83 8,606.73 2.24 8.59 84.57 38.75

10 > 2,000 2,500 2,250 485 10,752 2.61 57.94 1,872.89 24,082.52 1.80 23.17 2 87 0.61 26.69 2.23 8,608.95 0.00 8.59 0.12 35.75

11 > 2,500 3,000 2,750 463 11,215 2.50 60.44 2,050.86 26,133.38 1.97 25.14 12 99 3.68 30.37 3,975.77 12,584.72 3.97 12.56 193.86 48.16

12 > 3,000 4,000 3,500 594 11,809 3.20 63.64 3,398.92 29,532.29 3.27 28.41 2 101 0.61 30.98 168.50 12,753.22 0.17 12.72 4.96 43.18

13 > 4,000 5,000 4,500 447 12,256 2.41 66.05 2,831.33 32,363.63 2.72 31.14 6 107 1.84 32.82 4.81 12,758.02 0.00 12.73 0.17 39.42

14 > 5,000 7,500 6,250 737 12,993 3.97 70.02 4,763.96 37,127.59 4.58 35.72 10 117 3.07 35.89 5,370.56 18,128.59 5.36 18.09 112.73 48.83

15 > 7,500 10,000 8,750 597 13,590 3.22 73.23 4,668.28 41,795.87 4.49 40.21 23 140 7.06 42.94 843.49 18,972.07 0.84 18.93 18.07 45.39

16 > 10,000 20,000 15,000 1,127 14,717 6.07 79.31 12,345.18 54,141.06 11.88 52.09 33 173 10.12 53.07 9,019.13 27,991.21 9.00 27.93 73.06 51.70

17 > 20,000 50,000 35,000 1,164 15,881 6.27 85.58 15,296.14 69,437.20 14.72 66.81 18 191 5.52 58.59 647.58 28,638.79 0.65 28.57 4.23 41.24

18 > 50,000 100,000 75,000 806 16,687 4.34 89.92 10,817.83 80,255.02 10.41 77.22 53 244 16.26 74.85 9,374.53 38,013.32 9.35 37.93 86.66 47.3718 > 50,000 100,000 75,000 806 16,687 4.34 89.92 10,817.83 80,255.02 10.41 77.22 53 244 16.26 74.85 9,374.53 38,013.32 9.35 37.93 86.66 47.37

19 > 100,000 500,000 300,000 1,275 17,962 6.87 96.79 15,796.19 96,051.21 15.20 92.42 62 306 19.02 93.87 47,279.64 85,292.96 47.17 85.10 299.31 88.80

20 > 500,000 595 18,557 3.21 100.00 7,883.38 103,934.58 7.58 100.00 20 326 6.13 100.00 14,938.17 100,231.13 14.90 100.00 189.49 96.44

T O T A L 18,557 103,934.58 326 100,231.13 96.44

Page 163 of 204





1 0 50 25 1,353 1,353 9.74 9.74 8,026.22 8,026.22 5.94 5.94 24 24 8.19 8.19 89.74 89.74 0.22 0.22 1.12 1.12

2 > 50 100 75 361 1,714 2.60 12.34 282.39 8,308.61 0.21 6.15 8 32 2.73 10.92 221.28 311.02 0.53 0.75 78.36 3.74

3 > 100 200 150 631 2,345 4.54 16.89 497.91 8,806.53 0.37 6.52 5 37 1.71 12.63 361.46 672.49 0.87 1.63 72.60 7.64

4 > 200 300 250 617 2,962 4.44 21.33 621.94 9,428.47 0.46 6.98 14 51 4.78 17.41 822.46 1,494.95 1.99 3.61 132.24 15.86

5 > 300 500 400 938 3,900 6.75 28.08 1,633.70 11,062.17 1.21 8.18 8 59 2.73 20.14 51.70 1,546.65 0.12 3.74 3.16 13.98

BANDLOSS RATIO

FPERCENTAGE


fPERCENTAGE


RPrp



f FMid Points

5 > 300 500 400 938 3,900 6.75 28.08 1,633.70 11,062.17 1.21 8.18 8 59 2.73 20.14 51.70 1,546.65 0.12 3.74 3.16 13.98

6 > 500 750 625 785 4,685 5.65 33.73 1,653.29 12,715.47 1.22 9.41 7 66 2.39 22.53 658.86 2,205.52 1.59 5.33 39.85 17.35

7 > 750 1,000 875 753 5,438 5.42 39.16 1,654.70 14,370.17 1.22 10.63 8 74 2.73 25.26 309.60 2,515.11 0.75 6.08 18.71 17.50

8 > 1,000 1,500 1,250 888 6,326 6.39 45.55 3,792.72 18,162.89 2.81 13.44 4 78 1.37 26.62 1.48 2,516.59 0.00 6.08 0.04 13.86

9 > 1,500 2,000 1,750 660 6,986 4.75 50.30 2,915.08 21,077.97 2.16 15.59 7 85 2.39 29.01 566.51 3,083.10 1.37 7.45 19.43 14.63

10 > 2,000 2,500 2,250 446 7,432 3.21 53.51 2,305.59 23,383.56 1.71 17.30 5 90 1.71 30.72 1,435.53 4,518.63 3.47 10.92 62.26 19.32

11 > 2,500 3,000 2,750 430 7,862 3.10 56.61 2,218.90 25,602.46 1.64 18.94 8 98 2.73 33.45 232.98 4,751.60 0.56 11.48 10.50 18.56

12 > 3,000 4,000 3,500 601 8,463 4.33 60.94 3,688.44 29,290.90 2.73 21.67 12 110 4.10 37.54 3,274.24 8,025.84 7.91 19.39 88.77 27.40

13 > 4,000 5,000 4,500 426 8,889 3.07 64.00 3,034.74 32,325.64 2.25 23.91 7 117 2.39 39.93 710.45 8,736.29 1.72 21.11 23.41 27.03

14 > 5,000 7,500 6,250 723 9,612 5.21 69.21 6,610.46 38,936.09 4.89 28.81 20 137 6.83 46.76 1,729.22 10,465.51 4.18 25.29 26.16 26.88

15 > 7,500 10,000 8,750 504 10,116 3.63 72.84 6,850.95 45,787.05 5.07 33.87 14 151 4.78 51.54 17,763.41 28,228.92 42.92 68.21 259.28 61.65

16 > 10,000 20,000 15,000 1,018 11,134 7.33 80.17 17,981.08 63,768.12 13.30 47.18 38 189 12.97 64.51 2,172.61 30,401.53 5.25 73.46 12.08 47.68

17 > 20,000 50,000 35,000 919 12,053 6.62 86.79 18,390.11 82,158.23 13.61 60.78 32 221 10.92 75.43 5,221.05 35,622.57 12.62 86.08 28.39 43.36

18 > 50,000 100,000 75,000 621 12,674 4.47 91.26 13,761.19 95,919.42 10.18 70.96 26 247 8.87 84.30 740.08 36,362.65 1.79 87.87 5.38 37.9118 > 50,000 100,000 75,000 621 12,674 4.47 91.26 13,761.19 95,919.42 10.18 70.96 26 247 8.87 84.30 740.08 36,362.65 1.79 87.87 5.38 37.91

19 > 100,000 500,000 300,000 944 13,618 6.80 98.06 15,856.04 111,775.46 11.73 82.69 32 279 10.92 95.22 2,699.94 39,062.59 6.52 94.39 17.03 34.95

20 > 500,000 270 13,888 1.94 100.00 23,395.62 135,171.09 17.31 100.00 14 293 4.78 100.00 2,320.31 41,382.90 5.61 100.00 9.92 30.62

T O T A L 13,888 135,171.09 293 41,382.90 30.62

Page 164 of 204





1 0 50 25 1,174 1,174 13.66 13.66 5,813.21 5,813.21 6.94 6.94 14 14 5.28 5.28 24.09 24.09 0.03 0.03 0.41 0.41

2 > 50 100 75 418 1,592 4.86 18.52 352.04 6,165.26 0.42 7.37 3 17 1.13 6.42 74.46 98.55 0.09 0.12 21.15 1.60

3 > 100 200 150 577 2,169 6.71 25.23 667.20 6,832.46 0.80 8.16 10 27 3.77 10.19 268.95 367.50 0.33 0.45 40.31 5.38

4 > 200 300 250 398 2,567 4.63 29.86 690.43 7,522.88 0.82 8.99 11 38 4.15 14.34 703.26 1,070.76 0.85 1.30 101.86 14.23

5 > 300 500 400 583 3,150 6.78 36.64 1,400.99 8,923.88 1.67 10.66 7 45 2.64 16.98 527.77 1,598.52 0.64 1.94 37.67 17.91

F

CLAIM FREQUENCYPERCENTAGEMid Points PERCENTAGE PERCENTAGE

LOSS RATIO

RP f F


rp



fPERCENTAGEPERCENTAGE

rp RP

5 > 300 500 400 583 3,150 6.78 36.64 1,400.99 8,923.88 1.67 10.66 7 45 2.64 16.98 527.77 1,598.52 0.64 1.94 37.67 17.91

6 > 500 750 625 388 3,538 4.51 41.15 1,397.19 10,321.07 1.67 12.33 0 45 0.00 16.98 0.00 1,598.52 0.00 1.94 0.00 15.49

7 > 750 1,000 875 387 3,925 4.50 45.66 1,553.03 11,874.10 1.86 14.19 2 47 0.75 17.74 135.13 1,733.65 0.16 2.10 8.70 14.60

8 > 1,000 1,500 1,250 495 4,420 5.76 51.41 2,344.38 14,218.48 2.80 16.99 10 57 3.77 21.51 1,219.68 2,953.32 1.48 3.58 52.03 20.77

9 > 1,500 2,000 1,750 365 4,785 4.25 55.66 2,221.35 16,439.83 2.65 19.64 0 57 0.00 21.51 0.00 2,953.32 0.00 3.58 0.00 17.96

10 > 2,000 2,500 2,250 285 5,070 3.32 58.97 2,147.52 18,587.35 2.57 22.21 5 62 1.89 23.40 32.78 2,986.10 0.04 3.62 1.53 16.07

11 > 2,500 3,000 2,750 215 5,285 2.50 61.47 2,005.20 20,592.55 2.40 24.60 6 68 2.26 25.66 57.78 3,043.88 0.07 3.69 2.88 14.78

12 > 3,000 4,000 3,500 306 5,591 3.56 65.03 3,142.64 23,735.19 3.75 28.36 2 70 0.75 26.42 1,047.00 4,090.89 1.27 4.95 33.32 17.24

13 > 4,000 5,000 4,500 241 5,832 2.80 67.84 2,919.55 26,654.74 3.49 31.84 0 70 0.00 26.42 0.00 4,090.89 0.00 4.95 0.00 15.35

14 > 5,000 7,500 6,250 378 6,210 4.40 72.23 5,151.37 31,806.12 6.15 38.00 9 79 3.40 29.81 7,203.90 11,294.79 8.72 13.68 139.84 35.51

15 > 7,500 10,000 8,750 318 6,528 3.70 75.93 5,652.79 37,458.91 6.75 44.75 7 86 2.64 32.45 1,868.43 13,163.22 2.26 15.94 33.05 35.14

16 > 10,000 20,000 15,000 601 7,129 6.99 82.92 12,720.34 50,179.25 15.20 59.95 21 107 7.92 40.38 8,854.48 22,017.69 10.72 26.67 69.61 43.88

17 > 20,000 50,000 35,000 658 7,787 7.65 90.58 15,434.19 65,613.43 18.44 78.39 56 163 21.13 61.51 23,700.20 45,717.89 28.70 55.37 153.56 69.68

18 > 50,000 100,000 75,000 312 8,099 3.63 94.21 7,154.93 72,768.36 8.55 86.93 30 193 11.32 72.83 28,347.40 74,065.29 34.33 89.70 396.19 101.7818 > 50,000 100,000 75,000 312 8,099 3.63 94.21 7,154.93 72,768.36 8.55 86.93 30 193 11.32 72.83 28,347.40 74,065.29 34.33 89.70 396.19 101.78

19 > 100,000 500,000 300,000 407 8,506 4.73 98.94 9,541.95 82,310.31 11.40 98.33 35 228 13.21 86.04 5,739.99 79,805.28 6.95 96.65 60.16 96.96

20 > 500,000 91 8,597 1.06 100.00 1,395.05 83,705.36 1.67 100.00 37 265 13.96 100.00 2,764.97 82,570.25 3.35 100.00 198.20 98.64

T O T A L 8,597 83,705.36 265 82,570.25 98.64

Page 165 of 204





1 0 50 25 4,069 4,069 11.11 11.11 8,724.51 8,724.51 6.26 6.26 30 30 3.20 3.20 157.87 157.87 0.23 0.23 1.81 1.81

2 > 50 100 75 2,429 6,498 6.63 17.74 694.15 9,418.66 0.50 6.76 10 40 1.07 4.26 183.27 341.13 0.27 0.50 26.40 3.62

3 > 100 200 150 4,973 11,471 13.58 31.32 1,205.21 10,623.87 0.86 7.62 12 52 1.28 5.54 344.38 685.51 0.51 1.01 28.57 6.45

4 > 200 300 250 1,633 13,104 4.46 35.78 1,035.93 11,659.80 0.74 8.37 2 54 0.21 5.76 0.00 685.51 0.00 1.01 0.00 5.88

5 > 300 500 400 2,750 15,854 7.51 43.29 1,929.17 13,588.96 1.38 9.75 12 66 1.28 7.04 756.74 1,442.25 1.12 2.13 39.23 10.61

LOSS RATIO


RPPERCENTAGE

rp RP


rp(in million)


f FMid Points

SUM INSURED

5 > 300 500 400 2,750 15,854 7.51 43.29 1,929.17 13,588.96 1.38 9.75 12 66 1.28 7.04 756.74 1,442.25 1.12 2.13 39.23 10.61

6 > 500 750 625 1,409 17,263 3.85 47.13 1,846.27 15,435.23 1.32 11.07 7 73 0.75 7.78 528.06 1,970.31 0.78 2.91 28.60 12.77

7 > 750 1,000 875 1,400 18,663 3.82 50.95 1,981.44 17,416.67 1.42 12.50 35 108 3.73 11.51 824.35 2,794.66 1.22 4.13 41.60 16.05

8 > 1,000 1,500 1,250 1,511 20,174 4.13 55.08 2,875.74 20,292.41 2.06 14.56 11 119 1.17 12.69 1,542.49 4,337.15 2.28 6.42 53.64 21.37

9 > 1,500 2,000 1,750 1,247 21,421 3.40 58.48 2,724.91 23,017.32 1.96 16.51 6 125 0.64 13.33 82.97 4,420.12 0.12 6.54 3.04 19.20

10 > 2,000 2,500 2,250 879 22,300 2.40 60.88 2,311.97 25,329.29 1.66 18.17 23 148 2.45 15.78 273.57 4,693.69 0.40 6.94 11.83 18.53

11 > 2,500 3,000 2,750 795 23,095 2.17 63.05 2,272.58 27,601.86 1.63 19.80 10 158 1.07 16.84 193.25 4,886.94 0.29 7.23 8.50 17.71

12 > 3,000 4,000 3,500 1,146 24,241 3.13 66.18 3,937.24 31,539.11 2.82 22.63 9 167 0.96 17.80 114.85 5,001.79 0.17 7.40 2.92 15.86

13 > 4,000 5,000 4,500 870 25,111 2.38 68.56 3,477.80 35,016.90 2.50 25.12 16 183 1.71 19.51 49.14 5,050.93 0.07 7.47 1.41 14.42

14 > 5,000 7,500 6,250 1,560 26,671 4.26 72.82 8,694.40 43,711.30 6.24 31.36 409 592 43.60 63.11 5,836.64 10,887.57 8.63 16.10 67.13 24.91

15 > 7,500 10,000 8,750 1,239 27,910 3.38 76.20 7,715.86 51,427.16 5.54 36.90 23 615 2.45 65.57 3,984.03 14,871.61 5.89 22.00 51.63 28.92

16 > 10,000 20,000 15,000 2,458 30,368 6.71 82.91 20,403.45 71,830.60 14.64 51.54 57 672 6.08 71.64 2,647.25 17,518.85 3.92 25.91 12.97 24.39

17 > 20,000 50,000 35,000 2,361 32,729 6.45 89.36 23,828.22 95,658.83 17.10 68.63 77 749 8.21 79.85 12,245.84 29,764.69 18.11 44.03 51.39 31.12

18 > 50,000 100,000 75,000 1,512 34,241 4.13 93.49 16,491.09 112,149.91 11.83 80.46 90 839 9.59 89.45 4,487.80 34,252.49 6.64 50.67 27.21 30.5418 > 50,000 100,000 75,000 1,512 34,241 4.13 93.49 16,491.09 112,149.91 11.83 80.46 90 839 9.59 89.45 4,487.80 34,252.49 6.64 50.67 27.21 30.54

19 > 100,000 500,000 300,000 1,721 35,962 4.70 98.18 19,215.19 131,365.10 13.79 94.25 79 918 8.42 97.87 23,642.01 57,894.50 34.97 85.64 123.04 44.07

20 > 500,000 665 36,627 1.82 100.00 8,013.91 139,379.01 5.75 100.00 20 938 2.13 100.00 9,710.65 67,605.15 14.36 100.00 121.17 48.50

T O T A L 36,627 139,379.01 938 67,605.15 48.50

Page 166 of 204





1 0 50 25 137 137 6.26 6.26 665.80 665.80 2.93 2.93 3 3 8.33 8.33 5.40 5.40 0.16 0.16 0.81 0.81

2 > 50 100 75 241 378 11.00 17.26 23.43 689.23 0.10 3.03 0 3 0.00 8.33 0.00 5.40 0.00 0.16 0.00 0.78

3 > 100 200 150 137 515 6.26 23.52 8.09 697.32 0.04 3.06 0 3 0.00 8.33 0.00 5.40 0.00 0.16 0.00 0.77

4 > 200 300 250 52 567 2.37 25.89 21.36 718.68 0.09 3.16 0 3 0.00 8.33 0.00 5.40 0.00 0.16 0.00 0.75



rp



f FMid Points

LOSS RATIO


4 > 200 300 250 52 567 2.37 25.89 21.36 718.68 0.09 3.16 0 3 0.00 8.33 0.00 5.40 0.00 0.16 0.00 0.75

5 > 300 500 400 32 599 1.46 27.35 54.24 772.92 0.24 3.40 2 5 5.56 13.89 88.72 94.13 2.61 2.77 163.57 12.18

6 > 500 750 625 37 636 1.69 29.04 55.68 828.60 0.24 3.64 0 5 0.00 13.89 0.00 94.13 0.00 2.77 0.00 11.36

7 > 750 1,000 875 203 839 9.27 38.31 209.16 1,037.76 0.92 4.56 0 5 0.00 13.89 0.00 94.13 0.00 2.77 0.00 9.07

8 > 1,000 1,500 1,250 67 906 3.06 41.37 94.17 1,131.93 0.41 4.97 0 5 0.00 13.89 0.00 94.13 0.00 2.77 0.00 8.32

9 > 1,500 2,000 1,750 32 938 1.46 42.83 63.44 1,195.37 0.28 5.25 0 5 0.00 13.89 0.00 94.13 0.00 2.77 0.00 7.87

10 > 2,000 2,500 2,250 25 963 1.14 43.97 56.13 1,251.50 0.25 5.50 0 5 0.00 13.89 0.00 94.13 0.00 2.77 0.00 7.52

11 > 2,500 3,000 2,750 29 992 1.32 45.30 112.17 1,363.67 0.49 5.99 2 7 5.56 19.44 1,119.34 1,213.46 32.91 35.67 997.90 88.99

12 > 3,000 4,000 3,500 31 1,023 1.42 46.71 82.51 1,446.17 0.36 6.35 0 7 0.00 19.44 0.00 1,213.46 0.00 35.67 0.00 83.91

13 > 4,000 5,000 4,500 39 1,062 1.78 48.49 171.39 1,617.56 0.75 7.11 0 7 0.00 19.44 0.00 1,213.46 0.00 35.67 0.00 75.02

14 > 5,000 7,500 6,250 69 1,131 3.15 51.64 378.39 1,995.95 1.66 8.77 3 10 8.33 27.78 0.98 1,214.45 0.03 35.70 0.26 60.85

15 > 7,500 10,000 8,750 75 1,206 3.42 55.07 529.11 2,525.06 2.32 11.09 2 12 5.56 33.33 37.03 1,251.48 1.09 36.79 7.00 49.56

16 > 10,000 20,000 15,000 145 1,351 6.62 61.69 1,444.38 3,969.44 6.35 17.44 0 12 0.00 33.33 0.00 1,251.48 0.00 36.79 0.00 31.53

17 > 20,000 50,000 35,000 241 1,592 11.00 72.69 3,563.82 7,533.26 15.66 33.10 3 15 8.33 41.67 8.87 1,260.35 0.26 37.05 0.25 16.7317 > 20,000 50,000 35,000 241 1,592 11.00 72.69 3,563.82 7,533.26 15.66 33.10 3 15 8.33 41.67 8.87 1,260.35 0.26 37.05 0.25 16.73

18 > 50,000 100,000 75,000 122 1,714 5.57 78.26 2,964.02 10,497.28 13.02 46.12 1 16 2.78 44.44 0.00 1,260.35 0.00 37.05 0.00 12.01

19 > 100,000 500,000 300,000 247 1,961 11.28 89.54 7,111.30 17,608.58 31.25 77.37 16 32 44.44 88.89 1,957.26 3,217.61 57.54 94.59 27.52 18.27

20 > 500,000 229 2,190 10.46 100.00 5,150.84 22,759.42 22.63 100.00 4 36 11.11 100.00 183.92 3,401.53 5.41 100.00 3.57 14.95

T O T A L 2,190 22,759.42 36 3,401.53 14.95

Page 167 of 204





1 0 50 25 178,833 178,833 15.06 15.06 97,903.02 97,903.02 5.01 5.01 424 424 7.39 7.39 2,459.00 2,459.00 0.77 0.77 2.51 2.51

Mid PointsF

LOSS RATIO





rp



f

2 > 50 100 75 130,515 309,348 10.99 26.05 21,425.75 119,328.77 1.10 6.10 300 724 5.23 12.62 6,483.76 8,942.76 2.03 2.80 30.26 7.49

3 > 100 200 150 186,456 495,804 15.70 41.76 55,633.09 174,961.86 2.85 8.95 320 1,044 5.58 18.19 9,797.03 18,739.79 3.07 5.87 17.61 10.71

4 > 200 300 250 122,792 618,596 10.34 52.10 59,126.38 234,088.24 3.02 11.97 271 1,315 4.72 22.91 9,707.38 28,447.17 3.04 8.91 16.42 12.15

5 > 300 500 400 147,239 765,835 12.40 64.50 112,601.35 346,689.60 5.76 17.73 450 1,765 7.84 30.75 17,450.69 45,897.86 5.46 14.37 15.50 13.24

6 > 500 750 625 85,291 851,126 7.18 71.68 94,422.48 441,112.07 4.83 22.56 397 2,162 6.92 37.67 13,478.74 59,376.59 4.22 18.59 14.27 13.46

7 > 750 1,000 875 68,433 919,559 5.76 77.45 117,608.38 558,720.45 6.02 28.58 433 2,595 7.54 45.22 24,714.54 84,091.13 7.74 26.32 21.01 15.05

8 > 1,000 1,500 1,250 63,809 983,368 5.37 82.82 110,788.72 669,509.17 5.67 34.25 378 2,973 6.59 51.80 17,781.75 101,872.88 5.57 31.89 16.05 15.22

9 > 1,500 2,000 1,750 38,139 1,021,507 3.21 86.03 85,311.94 754,821.11 4.36 38.61 265 3,238 4.62 56.42 11,470.06 113,342.94 3.59 35.48 13.44 15.02

10 > 2,000 2,500 2,250 22,221 1,043,728 1.87 87.90 81,932.78 836,753.89 4.19 42.80 176 3,414 3.07 59.49 14,074.26 127,417.19 4.41 39.89 17.18 15.23

11 > 2,500 3,000 2,750 19,603 1,063,331 1.65 89.56 53,938.83 890,692.73 2.76 45.56 176 3,590 3.07 62.55 13,180.90 140,598.10 4.13 44.01 24.44 15.79

12 > 3,000 4,000 3,500 23,398 1,086,729 1.97 91.53 75,006.82 965,699.55 3.84 49.40 206 3,796 3.59 66.14 14,305.44 154,903.53 4.48 48.49 19.07 16.04

13 > 4,000 5,000 4,500 18,327 1,105,056 1.54 93.07 116,302.95 1,082,002.50 5.95 55.35 203 3,999 3.54 69.68 20,891.03 175,794.56 6.54 55.03 17.96 16.25

14 > 5,000 7,500 6,250 21,919 1,126,975 1.85 94.92 98,893.03 1,180,895.53 5.06 60.40 231 4,230 4.03 73.71 26,787.78 202,582.34 8.39 63.42 27.09 17.1514 > 5,000 7,500 6,250 21,919 1,126,975 1.85 94.92 98,893.03 1,180,895.53 5.06 60.40 231 4,230 4.03 73.71 26,787.78 202,582.34 8.39 63.42 27.09 17.15

15 > 7,500 10,000 8,750 15,341 1,142,316 1.29 96.21 86,739.66 1,267,635.19 4.44 64.84 176 4,406 3.07 76.77 14,961.25 217,543.59 4.68 68.10 17.25 17.16

16 > 10,000 20,000 15,000 19,734 1,162,050 1.66 97.87 164,621.52 1,432,256.71 8.42 73.26 314 4,720 5.47 82.24 35,539.87 253,083.46 11.13 79.22 21.59 17.67

17 > 20,000 50,000 35,000 13,702 1,175,752 1.15 99.02 213,624.54 1,645,881.25 10.93 84.19 332 5,052 5.78 88.03 45,336.26 298,419.72 14.19 93.42 21.22 18.13

18 > 50,000 100,000 75,000 5,131 1,180,883 0.43 99.46 120,222.57 1,766,103.82 6.15 90.34 154 5,206 2.68 90.71 9,268.63 307,688.35 2.90 96.32 7.71 17.42

19 > 100,000 500,000 300,000 4,883 1,185,766 0.41 99.87 109,218.61 1,875,322.44 5.59 95.93 277 5,483 4.83 95.54 4,511.29 312,199.64 1.41 97.73 4.13 16.65

20 > 500,000 1,571 1,187,337 0.13 100.00 79,661.16 1,954,983.59 4.07 100.00 256 5,739 4.46 100.00 7,251.36 319,451.00 2.27 100.00 9.10 16.34

T O T A L 1,187,337 1,954,983.59 5,739 319,451.00 16.34

Page 168 of 204





1 0 50 25 97 97 12.20 12.20 334.63 334.63 2.60 2.60 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 19 116 2.39 14.59 7.49 342.12 0.06 2.66 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 28 144 3.52 18.11 17.89 360.01 0.14 2.80 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 29 173 3.65 21.76 36.69 396.70 0.29 3.09 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 36 209 4.53 26.29 58.64 455.34 0.46 3.54 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

LOSS RATIO

FPERCENTAGE

F


RP fPERCENTAGE

rp RPBAND

rp


NUMBER OF POLICIES



5 > 300 500 400 36 209 4.53 26.29 58.64 455.34 0.46 3.54 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 51 260 6.42 32.70 448.00 903.34 3.49 7.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 53 313 6.67 39.37 328.19 1,231.53 2.55 9.59 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 32 345 4.03 43.40 184.33 1,415.86 1.43 11.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 47 392 5.91 49.31 367.79 1,783.64 2.86 13.88 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 26 418 3.27 52.58 490.25 2,273.90 3.82 17.70 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 30 448 3.77 56.35 421.85 2,695.74 3.28 20.98 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 > 3,000 4,000 3,500 37 485 4.65 61.01 549.95 3,245.70 4.28 25.26 8 8 57.14 57.14 171.17 171.17 1.78 1.78 31.12 5.27

13 > 4,000 5,000 4,500 25 510 3.14 64.15 574.16 3,819.86 4.47 29.73 0 8 0.00 57.14 0.00 171.17 0.00 1.78 0.00 4.48

14 > 5,000 7,500 6,250 31 541 3.90 68.05 708.59 4,528.45 5.52 35.25 0 8 0.00 57.14 0.00 171.17 0.00 1.78 0.00 3.78

15 > 7,500 10,000 8,750 36 577 4.53 72.58 884.42 5,412.88 6.88 42.13 0 8 0.00 57.14 0.00 171.17 0.00 1.78 0.00 3.16

16 > 10,000 20,000 15,000 104 681 13.08 85.66 3,275.87 8,688.75 25.50 67.63 1 9 7.14 64.29 0.00 171.17 0.00 1.78 0.00 1.97

17 > 20,000 50,000 35,000 75 756 9.43 95.09 2,853.16 11,541.90 22.21 89.84 0 9 0.00 64.29 0.00 171.17 0.00 1.78 0.00 1.48

18 > 50,000 100,000 75,000 12 768 1.51 96.60 527.11 12,069.01 4.10 93.95 0 9 0.00 64.29 0.00 171.17 0.00 1.78 0.00 1.4218 > 50,000 100,000 75,000 12 768 1.51 96.60 527.11 12,069.01 4.10 93.95 0 9 0.00 64.29 0.00 171.17 0.00 1.78 0.00 1.42

19 > 100,000 500,000 300,000 24 792 3.02 99.62 750.20 12,819.22 5.84 99.79 5 14 35.71 100.00 9,463.69 9,634.86 98.22 100.00 1,261,48 75.16

20 > 500,000 3 795 0.38 100.00 27.52 12,846.74 0.21 100.00 0 14 0.00 100.00 0.00 9,634.86 0.00 100.00 0.00 75.00

T O T A L 795 12,846.74 14 9,634.86 75.00

Page 169 of 204





1 0 50 25 164 164 11.51 11.51 2,223.61 2,223.61 9.86 9.86 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 26 190 1.82 13.33 28.22 2,251.83 0.13 9.98 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 37 227 2.60 15.93 47.44 2,299.26 0.21 10.19 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 29 256 2.04 17.96 30.32 2,329.58 0.13 10.33 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 22 278 1.54 19.51 14.65 2,344.23 0.06 10.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

LOSS RATIO

FPERCENTAGEBAND

rp


NUMBER OF POLICIES

fPERCENTAGE

rp RP




RP f

5 > 300 500 400 22 278 1.54 19.51 14.65 2,344.23 0.06 10.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 91 369 6.39 25.89 47.43 2,391.67 0.21 10.60 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 23 392 1.61 27.51 35.02 2,426.69 0.16 10.76 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 39 431 2.74 30.25 134.55 2,561.24 0.60 11.36 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 52 483 3.65 33.89 243.09 2,804.34 1.08 12.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 34 517 2.39 36.28 290.82 3,095.16 1.29 13.72 2 2 8.33 8.33 0.17 0.17 0.02 0.02 0.06 0.01

11 > 2,500 3,000 2,750 32 549 2.25 38.53 296.12 3,391.27 1.31 15.04 0 2 0.00 8.33 0.00 0.17 0.00 0.02 0.00 0.01

12 > 3,000 4,000 3,500 54 603 3.79 42.32 228.84 3,620.11 1.01 16.05 0 2 0.00 8.33 0.00 0.17 0.00 0.02 0.00 0.00

13 > 4,000 5,000 4,500 32 635 2.25 44.56 401.55 4,021.66 1.78 17.83 0 2 0.00 8.33 0.00 0.17 0.00 0.02 0.00 0.00

14 > 5,000 7,500 6,250 73 708 5.12 49.68 837.60 4,859.26 3.71 21.54 2 4 8.33 16.67 6.60 6.77 0.76 0.77 0.79 0.14

15 > 7,500 10,000 8,750 44 752 3.09 52.77 328.95 5,188.21 1.46 23.00 0 4 0.00 16.67 0.00 6.77 0.00 0.77 0.00 0.13

16 > 10,000 20,000 15,000 61 813 4.28 57.05 692.87 5,881.08 3.07 26.07 0 4 0.00 16.67 0.00 6.77 0.00 0.77 0.00 0.12

17 > 20,000 50,000 35,000 166 979 11.65 68.70 3,171.16 9,052.24 14.06 40.13 3 7 12.50 29.17 0.00 6.77 0.00 0.77 0.00 0.07

18 > 50,000 100,000 75,000 201 1,180 14.11 82.81 6,256.44 15,308.68 27.74 67.87 7 14 29.17 58.33 543.21 549.99 62.14 62.92 8.68 3.5918 > 50,000 100,000 75,000 201 1,180 14.11 82.81 6,256.44 15,308.68 27.74 67.87 7 14 29.17 58.33 543.21 549.99 62.14 62.92 8.68 3.59

19 > 100,000 500,000 300,000 194 1,374 13.61 96.42 5,148.68 20,457.36 22.83 90.70 6 20 25.00 83.33 25.51 575.49 2.92 65.83 0.50 2.81

20 > 500,000 51 1,425 3.58 100.00 2,097.38 22,554.75 9.30 100.00 4 24 16.67 100.00 298.66 874.15 34.17 100.00 14.24 3.88

T O T A L 1,425 22,554.75 24 874.15 3.88

Page 170 of 204





1 0 50 25 33 33 16.75 16.75 288.74 288.74 4.47 4.47 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 11 44 5.58 22.34 37.72 326.46 0.58 5.06 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 7 51 3.55 25.89 4.87 331.33 0.08 5.13 6 6 31.58 31.58 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 5 56 2.54 28.43 3.46 334.79 0.05 5.19 1 7 5.26 36.84 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 13 69 6.60 35.03 84.44 419.23 1.31 6.49 0 7 0.00 36.84 0.00 0.00 0.00 0.00 0.00 0.00

LOSS RATIO


rp RPBAND

rp

SUM INSURED CLAIM SEVERITY (in million Rupiah)ORIGINAL PREMIUM (in million Rupiah) CLAIM FREQUENCY

f FMid Points PERCENTAGE(in million)

NUMBER OF POLICIESPERCENTAGE

RP fPERCENTAGE

5 > 300 500 400 13 69 6.60 35.03 84.44 419.23 1.31 6.49 0 7 0.00 36.84 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 3 72 1.52 36.55 8.97 428.20 0.14 6.63 0 7 0.00 36.84 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 20 92 10.15 46.70 59.20 487.40 0.92 7.55 0 7 0.00 36.84 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 4 96 2.03 48.73 7.65 495.05 0.12 7.67 0 7 0.00 36.84 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 1 97 0.51 49.24 5.22 500.27 0.08 7.75 0 7 0.00 36.84 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 1 98 0.51 49.75 5.97 506.24 0.09 7.84 0 7 0.00 36.84 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 1 99 0.51 50.25 13.14 519.38 0.20 8.04 0 7 0.00 36.84 0.00 0.00 0.00 0.00 0.00 0.00

12 > 3,000 4,000 3,500 1 100 0.51 50.76 13.14 532.52 0.20 8.25 0 7 0.00 36.84 0.00 0.00 0.00 0.00 0.00 0.00

13 > 4,000 5,000 4,500 1 101 0.51 51.27 19.43 551.95 0.30 8.55 0 7 0.00 36.84 0.00 0.00 0.00 0.00 0.00 0.00

14 > 5,000 7,500 6,250 18 119 9.14 60.41 410.10 962.04 6.35 14.90 0 7 0.00 36.84 0.00 0.00 0.00 0.00 0.00 0.00

15 > 7,500 10,000 8,750 1 120 0.51 60.91 14.99 977.03 0.23 15.13 0 7 0.00 36.84 0.00 0.00 0.00 0.00 0.00 0.00

16 > 10,000 20,000 15,000 23 143 11.68 72.59 523.63 1,500.66 8.11 23.24 0 7 0.00 36.84 0.00 0.00 0.00 0.00 0.00 0.00

17 > 20,000 50,000 35,000 12 155 6.09 78.68 557.53 2,058.19 8.64 31.88 1 8 5.26 42.11 0.00 0.00 0.00 0.00 0.00 0.00

18 > 50,000 100,000 75,000 22 177 11.17 89.85 644.83 2,703.02 9.99 41.87 2 10 10.53 52.63 0.00 0.00 0.00 0.00 0.00 0.0018 > 50,000 100,000 75,000 22 177 11.17 89.85 644.83 2,703.02 9.99 41.87 2 10 10.53 52.63 0.00 0.00 0.00 0.00 0.00 0.00

19 > 100,000 500,000 300,000 10 187 5.08 94.92 141.93 2,844.95 2.20 44.07 3 13 15.79 68.42 23.82 23.82 24.53 24.53 16.78 0.84

20 > 500,000 10 197 5.08 100.00 3,610.99 6,455.93 55.93 100.00 6 19 31.58 100.00 73.27 97.09 75.47 100.00 2.03 1.50

T O T A L 197 6,455.93 19 97.09 1.50

Page 171 of 204






1 0 50 25 3,158 3,158 68.24 68.24 883.73 883.73 16.58 16.58 1 1 9.09 9.09 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 646 3,804 13.96 82.20 199.98 1,083.71 3.75 20.34 0 1 0.00 9.09 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 327 4,131 7.07 89.26 201.99 1,285.70 3.79 24.13 1 2 9.09 18.18 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 45 4,176 0.97 90.23 36.13 1,321.83 0.68 24.80 0 2 0.00 18.18 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 57 4,233 1.23 91.46 94.59 1,416.41 1.77 26.58 0 2 0.00 18.18 0.00 0.00 0.00 0.00 0.00 0.00

f FMid Points

LOSS RATIO


rp RPBAND

rp


(in million)

NUMBER OF POLICIES

PERCENTAGE

CLAIM FREQUENCY

PERCENTAGERP f

PERCENTAGE


5 > 300 500 400 57 4,233 1.23 91.46 94.59 1,416.41 1.77 26.58 0 2 0.00 18.18 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 11 4,244 0.24 91.70 34.95 1,451.37 0.66 27.23 0 2 0.00 18.18 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 15 4,259 0.32 92.03 23.09 1,474.46 0.43 27.67 0 2 0.00 18.18 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 20 4,279 0.43 92.46 56.55 1,531.00 1.06 28.73 1 3 9.09 27.27 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 9 4,288 0.19 92.65 138.77 1,669.77 2.60 31.33 0 3 0.00 27.27 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 5 4,293 0.11 92.76 142.76 1,812.53 2.68 34.01 0 3 0.00 27.27 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 3 4,296 0.06 92.83 189.50 2,002.03 3.56 37.57 0 3 0.00 27.27 0.00 0.00 0.00 0.00 0.00 0.00

12 > 3,000 4,000 3,500 13 4,309 0.28 93.11 55.91 2,057.95 1.05 38.62 0 3 0.00 27.27 0.00 0.00 0.00 0.00 0.00 0.00

13 > 4,000 5,000 4,500 5 4,314 0.11 93.22 42.46 2,100.41 0.80 39.41 0 3 0.00 27.27 0.00 0.00 0.00 0.00 0.00 0.00

14 > 5,000 7,500 6,250 36 4,350 0.78 93.99 267.95 2,368.36 5.03 44.44 0 3 0.00 27.27 0.00 0.00 0.00 0.00 0.00 0.00

15 > 7,500 10,000 8,750 24 4,374 0.52 94.51 65.13 2,433.49 1.22 45.66 1 4 9.09 36.36 0.00 0.00 0.00 0.00 0.00 0.00

16 > 10,000 20,000 15,000 71 4,445 1.53 96.05 388.98 2,822.47 7.30 52.96 4 8 36.36 72.73 0.00 0.00 0.00 0.00 0.00 0.00

17 > 20,000 50,000 35,000 81 4,526 1.75 97.80 958.97 3,781.44 17.99 70.96 1 9 9.09 81.82 0.00 0.00 0.00 0.00 0.00 0.00

18 > 50,000 100,000 75,000 64 4,590 1.38 99.18 918.79 4,700.22 17.24 88.20 0 9 0.00 81.82 0.00 0.00 0.00 0.00 0.00 0.0018 > 50,000 100,000 75,000 64 4,590 1.38 99.18 918.79 4,700.22 17.24 88.20 0 9 0.00 81.82 0.00 0.00 0.00 0.00 0.00 0.00

19 > 100,000 500,000 300,000 33 4,623 0.71 99.89 616.29 5,316.52 11.56 99.76 2 11 18.18 100.00 0.00 0.00 0.00 0.00 0.00 0.00

20 > 500,000 5 4,628 0.11 100.00 12.60 5,329.12 0.24 100.00 0 11 0.00 100.00 0.00 0.00 0.00 0.00 0.00 0.00

T O T A L 4,628 5,329.12 11 0.00 0.00

Page 172 of 204





1 0 50 25 1,851 1,851 15.07 15.07 528.79 528.79 3.01 3.01 5 5 17.24 17.24 94.93 94.93 16.93 16.93 17.95 17.95

2 > 50 100 75 1,898 3,749 15.45 30.53 443.23 972.02 2.52 5.53 0 5 0.00 17.24 0.00 94.93 0.00 16.93 0.00 9.77

3 > 100 200 150 2,903 6,652 23.64 54.16 1,273.70 2,245.72 7.24 12.77 1 6 3.45 20.69 0.00 94.93 0.00 16.93 0.00 4.23

4 > 200 300 250 1,721 8,373 14.01 68.18 1,177.54 3,423.26 6.70 19.47 8 14 27.59 48.28 67.96 162.89 12.12 29.05 5.77 4.76

5 > 300 500 400 1,688 10,061 13.74 81.92 1,725.50 5,148.76 9.81 29.29 5 19 17.24 65.52 39.26 202.15 7.00 36.05 2.28 3.93

6 > 500 750 625 594 10,655 4.84 86.76 889.37 6,038.14 5.06 34.35 0 19 0.00 65.52 0.00 202.15 0.00 36.05 0.00 3.35

7 > 750 1,000 875 429 11,084 3.49 90.25 1,050.43 7,088.56 5.97 40.32 0 19 0.00 65.52 0.00 202.15 0.00 36.05 0.00 2.85

8 > 1,000 1,500 1,250 364 11,448 2.96 93.22 974.35 8,062.91 5.54 45.86 1 20 3.45 68.97 0.00 202.15 0.00 36.05 0.00 2.51

CLAIM FREQUENCY



LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

8 > 1,000 1,500 1,250 364 11,448 2.96 93.22 974.35 8,062.91 5.54 45.86 1 20 3.45 68.97 0.00 202.15 0.00 36.05 0.00 2.51

9 > 1,500 2,000 1,750 186 11,634 1.51 94.73 836.22 8,899.13 4.76 50.62 0 20 0.00 68.97 0.00 202.15 0.00 36.05 0.00 2.27

10 > 2,000 2,500 2,250 72 11,706 0.59 95.32 703.95 9,603.07 4.00 54.62 0 20 0.00 68.97 0.00 202.15 0.00 36.05 0.00 2.11

11 > 2,500 3,000 2,750 86 11,792 0.70 96.02 307.92 9,910.99 1.75 56.38 2 22 6.90 75.86 0.70 202.84 0.12 36.18 0.23 2.05

12 > 3,000 4,000 3,500 79 11,871 0.64 96.66 442.51 10,353.50 2.52 58.89 0 22 0.00 75.86 0.00 202.84 0.00 36.18 0.00 1.96

13 > 4,000 5,000 4,500 60 11,931 0.49 97.15 369.13 10,722.63 2.10 60.99 2 24 6.90 82.76 3.53 206.37 0.63 36.81 0.96 1.92

14 > 5,000 7,500 6,250 105 12,036 0.85 98.01 1,062.72 11,785.35 6.04 67.04 0 24 0.00 82.76 0.00 206.37 0.00 36.81 0.00 1.75

15 > 7,500 10,000 8,750 58 12,094 0.47 98.48 498.38 12,283.73 2.83 69.87 0 24 0.00 82.76 0.00 206.37 0.00 36.81 0.00 1.68

16 > 10,000 20,000 15,000 66 12,160 0.54 99.01 722.98 13,006.71 4.11 73.98 3 27 10.34 93.10 83.20 289.57 14.84 51.65 11.51 2.23

17 > 20,000 50,000 35,000 72 12,232 0.59 99.60 1,158.99 14,165.70 6.59 80.58 0 27 0.00 93.10 0.00 289.57 0.00 51.65 0.00 2.04

18 > 50,000 100,000 75,000 34 12,266 0.28 99.88 622.62 14,788.32 3.54 84.12 2 29 6.90 100.00 271.13 560.70 48.35 100.00 43.55 3.79

19 > 100,000 500,000 300,000 11 12,277 0.09 99.97 798.67 15,586.99 4.54 88.66 0 29 0.00 100.00 0.00 560.70 0.00 100.00 0.00 3.60

20 > 500,000 4 12,281 0.03 100.00 1,993.43 17,580.42 11.34 100.00 0 29 0.00 100.00 0.00 560.70 0.00 100.00 0.00 3.19

T O T A L 12,281 17,580.42 29 560.70 3.19T O T A L 12,281 17,580.42 29 560.70 3.19

Page 173 of 204




1 0 50 25 18,980 18,980 19.32 19.32 9,984.13 9,984.13 4.32 4.32 48 48 11.29 11.29 82.92 82.92 0.16 0.16 0.83 0.83

2 > 50 100 75 12,175 31,155 12.39 31.71 1,851.45 11,835.58 0.80 5.12 16 64 3.76 15.06 228.97 311.90 0.45 0.61 12.37 2.64

3 > 100 200 150 15,176 46,331 15.45 47.16 3,939.66 15,775.24 1.71 6.83 17 81 4.00 19.06 594.80 906.70 1.16 1.77 15.10 5.75

4 > 200 300 250 10,981 57,312 11.18 58.33 5,167.52 20,942.76 2.24 9.07 13 94 3.06 22.12 797.54 1,704.24 1.56 3.33 15.43 8.14

5 > 300 500 400 12,866 70,178 13.10 71.43 9,734.78 30,677.54 4.21 13.28 14 108 3.29 25.41 322.03 2,026.27 0.63 3.96 3.31 6.61

6 > 500 750 625 6,359 76,537 6.47 77.90 7,674.33 38,351.87 3.32 16.60 13 121 3.06 28.47 44.66 2,070.93 0.09 4.05 0.58 5.40

7 > 750 1,000 875 4,775 81,312 4.86 82.76 8,348.09 46,699.96 3.61 20.22 19 140 4.47 32.94 1,312.47 3,383.40 2.57 6.61 15.72 7.24


LOSS RATIO


rp


RPBAND

rp


NUMBER OF POLICIES


7 > 750 1,000 875 4,775 81,312 4.86 82.76 8,348.09 46,699.96 3.61 20.22 19 140 4.47 32.94 1,312.47 3,383.40 2.57 6.61 15.72 7.24

8 > 1,000 1,500 1,250 3,836 85,148 3.90 86.66 9,261.00 55,960.96 4.01 24.23 37 177 8.71 41.65 1,597.53 4,980.93 3.12 9.73 17.25 8.90

9 > 1,500 2,000 1,750 2,316 87,464 2.36 89.02 6,480.36 62,441.32 2.81 27.03 23 200 5.41 47.06 782.53 5,763.46 1.53 11.26 12.08 9.23

10 > 2,000 2,500 2,250 1,351 88,815 1.38 90.40 4,208.05 66,649.37 1.82 28.85 9 209 2.12 49.18 1,468.52 7,231.98 2.87 14.13 34.90 10.85

11 > 2,500 3,000 2,750 1,226 90,041 1.25 91.64 4,673.49 71,322.86 2.02 30.88 9 218 2.12 51.29 1,192.11 8,424.09 2.33 16.46 25.51 11.81

12 > 3,000 4,000 3,500 1,412 91,453 1.44 93.08 5,726.65 77,049.51 2.48 33.36 9 227 2.12 53.41 435.71 8,859.80 0.85 17.32 7.61 11.50

13 > 4,000 5,000 4,500 1,049 92,502 1.07 94.15 5,240.86 82,290.38 2.27 35.62 15 242 3.53 56.94 57.02 8,916.82 0.11 17.43 1.09 10.84

14 > 5,000 7,500 6,250 1,294 93,796 1.32 95.47 8,486.15 90,776.52 3.67 39.30 22 264 5.18 62.12 6,017.98 14,934.80 11.76 29.19 70.92 16.45

15 > 7,500 10,000 8,750 852 94,648 0.87 96.33 10,892.75 101,669.27 4.72 44.01 9 273 2.12 64.24 9,167.26 24,102.05 17.92 47.10 84.16 23.71

16 > 10,000 20,000 15,000 1,320 95,968 1.34 97.68 20,391.23 122,060.51 8.83 52.84 42 315 9.88 74.12 3,707.69 27,809.74 7.25 54.35 18.18 22.78

17 > 20,000 50,000 35,000 1,110 97,078 1.13 98.81 40,618.92 162,679.43 17.58 70.43 31 346 7.29 81.41 1,466.38 29,276.12 2.87 57.22 3.61 18.00

18 > 50,000 100,000 75,000 609 97,687 0.62 99.43 25,599.38 188,278.80 11.08 81.51 38 384 8.94 90.35 14,454.91 43,731.04 28.25 85.47 56.47 23.23

19 > 100,000 500,000 300,000 479 98,166 0.49 99.91 40,141.87 228,420.67 17.38 98.89 39 423 9.18 99.53 7,432.61 51,163.65 14.53 99.99 18.52 22.40

20 > 500,000 85 98,251 0.09 100.00 2,569.88 230,990.55 1.11 100.00 2 425 0.47 100.00 3.65 51,167.30 0.01 100.00 0.14 22.1520 > 500,000 85 98,251 0.09 100.00 2,569.88 230,990.55 1.11 100.00 2 425 0.47 100.00 3.65 51,167.30 0.01 100.00 0.14 22.15

T O T A L 98,251 230,990.55 425 51,167.30 22.15

Page 174 of 204





1 0 50 25 5,466 5,466 11.21 11.21 2,704.70 2,704.70 2.88 2.88 6 6 8.96 8.96 48.80 48.80 0.94 0.94 1.80 1.80

2 > 50 100 75 5,766 11,232 11.82 23.03 1,114.55 3,819.25 1.19 4.07 2 8 2.99 11.94 54.40 103.20 1.05 2.00 4.88 2.70

3 > 100 200 150 9,926 21,158 20.35 43.39 2,996.07 6,815.32 3.19 7.27 4 12 5.97 17.91 199.15 302.34 3.85 5.85 6.65 4.44

4 > 200 300 250 7,268 28,426 14.90 58.29 3,175.27 9,990.60 3.39 10.65 5 17 7.46 25.37 436.33 738.67 8.44 14.28 13.74 7.39

5 > 300 500 400 7,299 35,725 14.97 73.26 5,639.67 15,630.27 6.01 16.67 2 19 2.99 28.36 0.00 738.67 0.00 14.28 0.00 4.73

6 > 500 750 625 2,988 38,713 6.13 79.39 3,861.34 19,491.61 4.12 20.78 5 24 7.46 35.82 278.12 1,016.79 5.38 19.66 7.20 5.22

7 > 750 1,000 875 2,170 40,883 4.45 83.84 3,943.19 23,434.80 4.20 24.99 1 25 1.49 37.31 0.00 1,016.79 0.00 19.66 0.00 4.34

RP f FPERCENTAGEPERCENTAGEMid Points PERCENTAGE

CLAIM FREQUENCYNUMBER OF POLICIES

f F


rp RPBAND

rp


LOSS RATIO

8 > 1,000 1,500 1,250 1,746 42,629 3.58 87.42 4,008.05 27,442.85 4.27 29.26 2 27 2.99 40.30 5.23 1,022.02 0.10 19.76 0.13 3.72

9 > 1,500 2,000 1,750 1,037 43,666 2.13 89.54 2,676.65 30,119.51 2.85 32.12 5 32 7.46 47.76 12.70 1,034.72 0.25 20.01 0.47 3.44

10 > 2,000 2,500 2,250 556 44,222 1.14 90.68 1,402.60 31,522.11 1.50 33.61 8 40 11.94 59.70 218.36 1,253.08 4.22 24.23 15.57 3.98

11 > 2,500 3,000 2,750 533 44,755 1.09 91.78 1,433.87 32,955.98 1.53 35.14 0 40 0.00 59.70 0.00 1,253.08 0.00 24.23 0.00 3.80

12 > 3,000 4,000 3,500 750 45,505 1.54 93.31 2,009.23 34,965.21 2.14 37.28 2 42 2.99 62.69 10.79 1,263.86 0.21 24.44 0.54 3.61

13 > 4,000 5,000 4,500 719 46,224 1.47 94.79 1,790.76 36,755.97 1.91 39.19 2 44 2.99 65.67 45.30 1,309.16 0.88 25.31 2.53 3.56

14 > 5,000 7,500 6,250 828 47,052 1.70 96.49 2,753.47 39,509.44 2.94 42.13 3 47 4.48 70.15 0.70 1,309.86 0.01 25.33 0.03 3.32

15 > 7,500 10,000 8,750 604 47,656 1.24 97.72 2,238.81 41,748.26 2.39 44.52 1 48 1.49 71.64 0.00 1,309.86 0.00 25.33 0.00 3.14

16 > 10,000 20,000 15,000 631 48,287 1.29 99.02 4,367.26 46,115.51 4.66 49.17 7 55 10.45 82.09 1,357.69 2,667.54 26.25 51.58 31.09 5.78

17 > 20,000 50,000 35,000 288 48,575 0.59 99.61 21,276.66 67,392.17 22.69 71.86 5 60 7.46 89.55 2,488.68 5,156.22 48.12 99.69 11.70 7.65

18 > 50,000 100,000 75,000 109 48,684 0.22 99.83 24,304.74 91,696.92 25.92 97.78 1 61 1.49 91.04 0.00 5,156.22 0.00 99.69 0.00 5.62

19 > 100,000 500,000 300,000 70 48,754 0.14 99.98 1,933.03 93,629.95 2.06 99.84 6 67 8.96 100.00 15.93 5,172.16 0.31 100.00 0.82 5.52

20 > 500,000 12 48,766 0.02 100.00 152.83 93,782.78 0.16 100.00 0 67 0.00 100.00 0.00 5,172.16 0.00 100.00 0.00 5.52

T O T A L 48,766 93,782.78 67 5,172.16 5.52

Page 175 of 204





1 0 50 25 6,379 6,379 13.32 13.32 4,423.94 4,423.94 4.35 4.35 12 12 6.86 6.86 84.46 84.46 0.63 0.63 1.91 1.91

2 > 50 100 75 5,454 11,833 11.39 24.71 1,116.12 5,540.05 1.10 5.45 2 14 1.14 8.00 54.75 139.21 0.41 1.03 4.91 2.51

3 > 100 200 150 8,260 20,093 17.25 41.96 3,861.63 9,401.68 3.80 9.25 6 20 3.43 11.43 20.05 159.26 0.15 1.18 0.52 1.69

4 > 200 300 250 6,082 26,175 12.70 54.67 3,364.44 12,766.12 3.31 12.56 10 30 5.71 17.14 607.75 767.01 4.51 5.69 18.06 6.01

5 > 300 500 400 7,002 33,177 14.62 69.29 7,067.58 19,833.70 6.95 19.51 16 46 9.14 26.29 696.37 1,463.38 5.17 10.86 9.85 7.38

6 > 500 750 625 3,258 36,435 6.80 76.09 4,757.58 24,591.29 4.68 24.19 4 50 2.29 28.57 8.37 1,471.75 0.06 10.92 0.18 5.98

7 > 750 1,000 875 2,291 38,726 4.78 80.88 4,146.66 28,737.95 4.08 28.27 19 69 10.86 39.43 1,863.45 3,335.21 13.83 24.75 44.94 11.61


RPBAND

rp


NUMBER OF POLICIES

f FMid Points


LOSS RATIO


rp

8 > 1,000 1,500 1,250 2,036 40,762 4.25 85.13 4,087.90 32,825.85 4.02 32.29 8 77 4.57 44.00 1,315.33 4,650.53 9.76 34.51 32.18 14.17

9 > 1,500 2,000 1,750 1,192 41,954 2.49 87.62 2,725.15 35,551.00 2.68 34.97 0 77 0.00 44.00 0.00 4,650.53 0.00 34.51 0.00 13.08

10 > 2,000 2,500 2,250 789 42,743 1.65 89.27 1,821.29 37,372.28 1.79 36.76 12 89 6.86 50.86 356.73 5,007.26 2.65 37.16 19.59 13.40

11 > 2,500 3,000 2,750 628 43,371 1.31 90.58 1,649.91 39,022.19 1.62 38.39 10 99 5.71 56.57 473.18 5,480.44 3.51 40.67 28.68 14.04

12 > 3,000 4,000 3,500 745 44,116 1.56 92.13 1,990.85 41,013.04 1.96 40.34 1 100 0.57 57.14 0.00 5,480.44 0.00 40.67 0.00 13.36

13 > 4,000 5,000 4,500 605 44,721 1.26 93.40 7,184.52 48,197.56 7.07 47.41 2 102 1.14 58.29 2.61 5,483.05 0.02 40.69 0.04 11.38

14 > 5,000 7,500 6,250 730 45,451 1.52 94.92 9,053.84 57,251.40 8.91 56.32 6 108 3.43 61.71 17.78 5,500.82 0.13 40.83 0.20 9.61

15 > 7,500 10,000 8,750 508 45,959 1.06 95.98 2,959.25 60,210.65 2.91 59.23 2 110 1.14 62.86 92.41 5,593.23 0.69 41.51 3.12 9.29

16 > 10,000 20,000 15,000 625 46,584 1.31 97.29 4,375.02 64,585.66 4.30 63.53 4 114 2.29 65.14 330.54 5,923.78 2.45 43.96 7.56 9.17

17 > 20,000 50,000 35,000 575 47,159 1.20 98.49 5,606.81 70,192.47 5.52 69.05 12 126 6.86 72.00 3,103.73 9,027.50 23.03 67.00 55.36 12.86

18 > 50,000 100,000 75,000 330 47,489 0.69 99.18 4,991.14 75,183.61 4.91 73.96 41 167 23.43 95.43 1,860.22 10,887.73 13.81 80.81 37.27 14.48

19 > 100,000 500,000 300,000 311 47,800 0.65 99.83 6,932.14 82,115.76 6.82 80.78 7 174 4.00 99.43 2,586.25 13,473.98 19.19 100.00 37.31 16.41

20 > 500,000 82 47,882 0.17 100.00 19,543.06 101,658.82 19.22 100.00 1 175 0.57 100.00 0.00 13,473.98 0.00 100.00 0.00 13.25

T O T A L 47,882 101,658.82 175 13,473.98 13.25

Page 176 of 204





1 0 50 25 2,324 2,324 15.06 15.06 786.60 786.60 3.71 3.71 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 2,055 4,379 13.32 28.38 404.51 1,191.12 1.91 5.62 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 3,239 7,618 20.99 49.37 1,229.78 2,420.90 5.80 11.42 3 3 11.54 11.54 19.08 19.08 1.27 1.27 1.55 0.79

4 > 200 300 250 2,116 9,734 13.71 63.08 1,334.70 3,755.59 6.30 17.72 4 7 15.38 26.92 216.87 235.95 14.43 15.70 16.25 6.28

5 > 300 500 400 2,052 11,786 13.30 76.38 2,091.54 5,847.14 9.87 27.59 2 9 7.69 34.62 29.15 265.10 1.94 17.64 1.39 4.53

6 > 500 750 625 826 12,612 5.35 81.73 1,342.75 7,189.88 6.34 33.93 0 9 0.00 34.62 0.00 265.10 0.00 17.64 0.00 3.69

7 > 750 1,000 875 554 13,166 3.59 85.32 1,235.09 8,424.97 5.83 39.76 6 15 23.08 57.69 821.35 1,086.45 54.64 72.28 66.50 12.90

8 > 1,000 1,500 1,250 526 13,692 3.41 88.73 1,204.60 9,629.57 5.68 45.44 2 17 7.69 65.38 23.10 1,109.55 1.54 73.81 1.92 11.52


RPBAND

rp


NUMBER OF POLICIES

f FMid Points


LOSS RATIO


rp

8 > 1,000 1,500 1,250 526 13,692 3.41 88.73 1,204.60 9,629.57 5.68 45.44 2 17 7.69 65.38 23.10 1,109.55 1.54 73.81 1.92 11.52

9 > 1,500 2,000 1,750 276 13,968 1.79 90.52 885.29 10,514.86 4.18 49.62 0 17 0.00 65.38 0.00 1,109.55 0.00 73.81 0.00 10.55

10 > 2,000 2,500 2,250 196 14,164 1.27 91.79 612.96 11,127.82 2.89 52.51 1 18 3.85 69.23 0.00 1,109.55 0.00 73.81 0.00 9.97

11 > 2,500 3,000 2,750 157 14,321 1.02 92.81 366.19 11,494.01 1.73 54.24 0 18 0.00 69.23 0.00 1,109.55 0.00 73.81 0.00 9.65

12 > 3,000 4,000 3,500 171 14,492 1.11 93.91 744.74 12,238.75 3.51 57.75 2 20 7.69 76.92 75.03 1,184.58 4.99 78.81 10.07 9.68

13 > 4,000 5,000 4,500 115 14,607 0.75 94.66 546.90 12,785.64 2.58 60.34 0 20 0.00 76.92 0.00 1,184.58 0.00 78.81 0.00 9.26

14 > 5,000 7,500 6,250 190 14,797 1.23 95.89 1,069.97 13,855.61 5.05 65.38 0 20 0.00 76.92 0.00 1,184.58 0.00 78.81 0.00 8.55

15 > 7,500 10,000 8,750 137 14,934 0.89 96.78 657.99 14,513.60 3.11 68.49 0 20 0.00 76.92 0.00 1,184.58 0.00 78.81 0.00 8.16

16 > 10,000 20,000 15,000 145 15,079 0.94 97.72 1,364.02 15,877.62 6.44 74.93 0 20 0.00 76.92 0.00 1,184.58 0.00 78.81 0.00 7.46

17 > 20,000 50,000 35,000 133 15,212 0.86 98.58 1,484.58 17,362.21 7.01 81.93 0 20 0.00 76.92 0.00 1,184.58 0.00 78.81 0.00 6.82

18 > 50,000 100,000 75,000 98 15,310 0.64 99.22 1,533.78 18,895.99 7.24 89.17 3 23 11.54 88.46 46.52 1,231.10 3.09 81.90 3.03 6.52

19 > 100,000 500,000 300,000 111 15,421 0.72 99.94 1,867.76 20,763.74 8.81 97.98 3 26 11.54 100.00 272.06 1,503.16 18.10 100.00 14.57 7.24

20 > 500,000 10 15,431 0.06 100.00 427.30 21,191.04 2.02 100.00 0 26 0.00 100.00 0.00 1,503.16 0.00 100.00 0.00 7.09

T O T A L 15,431 21,191.04 26 1,503.16 7.09T O T A L 15,431 21,191.04 26 1,503.16 7.09

Page 177 of 204





1 0 50 25 3,706 3,706 12.62 12.62 4,871.61 4,871.61 7.02 7.02 15 15 9.62 9.62 90.64 90.64 1.25 1.25 1.86 1.86

2 > 50 100 75 2,661 6,367 9.06 21.67 3,196.37 8,067.98 4.61 11.63 1 16 0.64 10.26 0.00 90.64 0.00 1.25 0.00 1.12

3 > 100 200 150 4,678 11,045 15.92 37.60 1,393.34 9,461.32 2.01 13.64 12 28 7.69 17.95 295.69 386.33 4.07 5.31 21.22 4.08

4 > 200 300 250 3,303 14,348 11.24 48.84 1,656.45 11,117.77 2.39 16.03 3 31 1.92 19.87 82.04 468.37 1.13 6.44 4.95 4.21

5 > 300 500 400 3,989 18,337 13.58 62.42 3,599.10 14,716.87 5.19 21.22 15 46 9.62 29.49 55.28 523.66 0.76 7.20 1.54 3.56

6 > 500 750 625 2,069 20,406 7.04 69.46 2,757.50 17,474.36 3.98 25.20 2 48 1.28 30.77 709.49 1,233.14 9.76 16.96 25.73 7.06

7 > 750 1,000 875 1,593 21,999 5.42 74.89 2,841.86 20,316.23 4.10 29.29 9 57 5.77 36.54 890.81 2,123.96 12.25 29.21 31.35 10.45


BANDrp


(in million)

NUMBER OF POLICIES


CLAIM FREQUENCY

PERCENTAGE

LOSS RATIO

RPPERCENTAGEPERCENTAGE

rp RPPERCENTAGE

f F

8 > 1,000 1,500 1,250 1,503 23,502 5.12 80.00 3,068.25 23,384.47 4.42 33.72 1 58 0.64 37.18 0.00 2,123.96 0.00 29.21 0.00 9.08

9 > 1,500 2,000 1,750 941 24,443 3.20 83.21 2,263.29 25,647.76 3.26 36.98 9 67 5.77 42.95 155.43 2,279.38 2.14 31.34 6.87 8.89

10 > 2,000 2,500 2,250 552 24,995 1.88 85.09 1,676.00 27,323.76 2.42 39.40 5 72 3.21 46.15 3.57 2,282.95 0.05 31.39 0.21 8.36

11 > 2,500 3,000 2,750 508 25,503 1.73 86.82 1,831.04 29,154.80 2.64 42.04 2 74 1.28 47.44 23.10 2,306.05 0.32 31.71 1.26 7.91

12 > 3,000 4,000 3,500 589 26,092 2.01 88.82 2,094.35 31,249.15 3.02 45.06 7 81 4.49 51.92 738.65 3,044.70 10.16 41.87 35.27 9.74

13 > 4,000 5,000 4,500 456 26,548 1.55 90.37 1,495.63 32,744.78 2.16 47.21 2 83 1.28 53.21 12.69 3,057.38 0.17 42.04 0.85 9.34

14 > 5,000 7,500 6,250 562 27,110 1.91 92.29 2,119.61 34,864.39 3.06 50.27 13 96 8.33 61.54 805.47 3,862.86 11.08 53.12 38.00 11.08

15 > 7,500 10,000 8,750 401 27,511 1.37 93.65 1,785.02 36,649.41 2.57 52.84 5 101 3.21 64.74 0.00 3,862.86 0.00 53.12 0.00 10.54

16 > 10,000 20,000 15,000 671 28,182 2.28 95.94 4,220.67 40,870.08 6.09 58.93 19 120 12.18 76.92 1.54 3,864.39 0.02 53.14 0.04 9.46

17 > 20,000 50,000 35,000 458 28,640 1.56 97.49 4,090.90 44,960.97 5.90 64.83 4 124 2.56 79.49 33.05 3,897.44 0.45 53.59 0.81 8.67

18 > 50,000 100,000 75,000 208 28,848 0.71 98.20 2,507.29 47,468.26 3.62 68.44 17 141 10.90 90.38 3,326.84 7,224.29 45.75 99.34 132.69 15.22

19 > 100,000 500,000 300,000 433 29,281 1.47 99.68 5,370.61 52,838.88 7.74 76.19 15 156 9.62 100.00 48.24 7,272.53 0.66 100.00 0.90 13.76

20 > 500,000 95 29,376 0.32 100.00 16,514.25 69,353.13 23.81 100.00 0 156 0.00 100.00 0.00 7,272.53 0.00 100.00 0.00 10.49

T O T A L 29,376 69,353.13 156 7,272.53 10.49

Page 178 of 204





1 0 50 25 1,267 1,267 13.69 13.69 546.40 546.40 5.27 5.27 3 3 10.34 10.34 30.67 30.67 1.54 1.54 5.61 5.61

2 > 50 100 75 1,398 2,665 15.11 28.80 239.50 785.90 2.31 7.58 2 5 6.90 17.24 33.62 64.30 1.69 3.23 14.04 8.18

3 > 100 200 150 2,052 4,717 22.17 50.97 657.01 1,442.91 6.34 13.91 2 7 6.90 24.14 84.21 148.51 4.23 7.45 12.82 10.29

4 > 200 300 250 1,410 6,127 15.24 66.21 701.47 2,144.38 6.76 20.68 0 7 0.00 24.14 0.00 148.51 0.00 7.45 0.00 6.93

5 > 300 500 400 1,086 7,213 11.74 77.94 1,037.65 3,182.02 10.01 30.69 0 7 0.00 24.14 0.00 148.51 0.00 7.45 0.00 4.67

6 > 500 750 625 545 7,758 5.89 83.83 887.17 4,069.20 8.56 39.24 0 7 0.00 24.14 0.00 148.51 0.00 7.45 0.00 3.65

7 > 750 1,000 875 371 8,129 4.01 87.84 690.76 4,759.96 6.66 45.90 2 9 6.90 31.03 408.98 557.48 20.52 27.97 59.21 11.71

8 > 1,000 1,500 1,250 250 8,379 2.70 90.54 692.63 5,452.59 6.68 52.58 2 11 6.90 37.93 120.00 677.48 6.02 34.00 17.33 12.43

(in million)ORIGINAL PREMIUM (in million Rupiah)

RPPERCENTAGEBAND

rp

SUM INSURED CLAIM SEVERITY (in million Rupiah)PERCENTAGE

NUMBER OF POLICIES



LOSS RATIO

f FPERCENTAGE

rp RP

8 > 1,000 1,500 1,250 250 8,379 2.70 90.54 692.63 5,452.59 6.68 52.58 2 11 6.90 37.93 120.00 677.48 6.02 34.00 17.33 12.43

9 > 1,500 2,000 1,750 157 8,536 1.70 92.24 429.67 5,882.26 4.14 56.73 0 11 0.00 37.93 0.00 677.48 0.00 34.00 0.00 11.52

10 > 2,000 2,500 2,250 98 8,634 1.06 93.30 228.65 6,110.90 2.20 58.93 2 13 6.90 44.83 0.32 677.80 0.02 34.01 0.14 11.09

11 > 2,500 3,000 2,750 76 8,710 0.82 94.12 276.10 6,387.01 2.66 61.59 0 13 0.00 44.83 0.00 677.80 0.00 34.01 0.00 10.61

12 > 3,000 4,000 3,500 76 8,786 0.82 94.94 203.55 6,590.55 1.96 63.56 0 13 0.00 44.83 0.00 677.80 0.00 34.01 0.00 10.28

13 > 4,000 5,000 4,500 76 8,862 0.82 95.76 249.28 6,839.83 2.40 65.96 2 15 6.90 51.72 489.77 1,167.57 24.58 58.59 196.47 17.07

14 > 5,000 7,500 6,250 92 8,954 0.99 96.76 367.25 7,207.09 3.54 69.50 0 15 0.00 51.72 0.00 1,167.57 0.00 58.59 0.00 16.20

15 > 7,500 10,000 8,750 74 9,028 0.80 97.56 579.57 7,786.65 5.59 75.09 5 20 17.24 68.97 707.32 1,874.89 35.49 94.08 122.04 24.08

16 > 10,000 20,000 15,000 90 9,118 0.97 98.53 767.82 8,554.48 7.40 82.50 0 20 0.00 68.97 0.00 1,874.89 0.00 94.08 0.00 21.92

17 > 20,000 50,000 35,000 60 9,178 0.65 99.18 804.89 9,359.36 7.76 90.26 7 27 24.14 93.10 107.37 1,982.26 5.39 99.47 13.34 21.18

18 > 50,000 100,000 75,000 59 9,237 0.64 99.82 805.69 10,165.06 7.77 98.03 2 29 6.90 100.00 10.54 1,992.80 0.53 100.00 1.31 19.60

19 > 100,000 500,000 300,000 12 9,249 0.13 99.95 155.10 10,320.15 1.50 99.52 0 29 0.00 100.00 0.00 1,992.80 0.00 100.00 0.00 19.31

20 > 500,000 5 9,254 0.05 100.00 49.51 10,369.67 0.48 100.00 0 29 0.00 100.00 0.00 1,992.80 0.00 100.00 0.00 19.22

T O T A L 9,254 10,369.67 29 1,992.80 19.22T O T A L 9,254 10,369.67 29 1,992.80 19.22

Page 179 of 204





1 0 50 25 3,577 3,577 16.12 16.12 2,567.91 2,567.91 1.68 1.68 8 8 6.15 6.15 49.95 49.95 0.26 0.26 1.95 1.95

2 > 50 100 75 2,856 6,433 12.87 28.99 369.81 2,937.72 0.24 1.92 6 14 4.62 10.77 130.54 180.49 0.68 0.95 35.30 6.14

3 > 100 200 150 4,096 10,529 18.46 47.45 1,134.97 4,072.69 0.74 2.67 2 16 1.54 12.31 4.38 184.87 0.02 0.97 0.39 4.54

4 > 200 300 250 2,452 12,981 11.05 58.50 1,295.55 5,368.24 0.85 3.51 4 20 3.08 15.38 147.47 332.34 0.77 1.74 11.38 6.19

5 > 300 500 400 2,509 15,490 11.31 69.81 2,123.63 7,491.87 1.39 4.90 15 35 11.54 26.92 850.28 1,182.61 4.46 6.20 40.04 15.79

6 > 500 750 625 1,212 16,702 5.46 75.27 1,710.51 9,202.38 1.12 6.02 0 35 0.00 26.92 0.00 1,182.61 0.00 6.20 0.00 12.85

7 > 750 1,000 875 931 17,633 4.20 79.46 1,485.84 10,688.22 0.97 7.00 2 37 1.54 28.46 0.00 1,182.61 0.00 6.20 0.00 11.06

(in million)ORIGINAL PREMIUM (in million Rupiah) CLAIM FREQUENCY



rp

SUM INSURED

f F rp RP


NUMBER OF POLICIES

7 > 750 1,000 875 931 17,633 4.20 79.46 1,485.84 10,688.22 0.97 7.00 2 37 1.54 28.46 0.00 1,182.61 0.00 6.20 0.00 11.06

8 > 1,000 1,500 1,250 1,008 18,641 4.54 84.01 1,787.59 12,475.81 1.17 8.17 1 38 0.77 29.23 0.00 1,182.61 0.00 6.20 0.00 9.48

9 > 1,500 2,000 1,750 592 19,233 2.67 86.67 1,514.87 13,990.68 0.99 9.16 5 43 3.85 33.08 90.61 1,273.22 0.48 6.68 5.98 9.10

10 > 2,000 2,500 2,250 268 19,501 1.21 87.88 848.37 14,839.05 0.56 9.71 2 45 1.54 34.62 15.01 1,288.23 0.08 6.76 1.77 8.68

11 > 2,500 3,000 2,750 259 19,760 1.17 89.05 851.33 15,690.38 0.56 10.27 2 47 1.54 36.15 3.75 1,291.98 0.02 6.78 0.44 8.23

12 > 3,000 4,000 3,500 307 20,067 1.38 90.43 1,110.30 16,800.68 0.73 11.00 0 47 0.00 36.15 0.00 1,291.98 0.00 6.78 0.00 7.69

13 > 4,000 5,000 4,500 240 20,307 1.08 91.51 24,407.32 41,208.00 15.98 26.97 10 57 7.69 43.85 4,270.54 5,562.52 22.40 29.17 17.50 13.50

14 > 5,000 7,500 6,250 312 20,619 1.41 92.92 1,873.86 43,081.86 1.23 28.20 8 65 6.15 50.00 18.07 5,580.59 0.09 29.27 0.96 12.95

15 > 7,500 10,000 8,750 217 20,836 0.98 93.90 3,963.80 47,045.66 2.59 30.80 2 67 1.54 51.54 12.00 5,592.59 0.06 29.33 0.30 11.89

16 > 10,000 20,000 15,000 414 21,250 1.87 95.76 23,689.11 70,734.77 15.51 46.30 2 69 1.54 53.08 0.00 5,592.59 0.00 29.33 0.00 7.91

17 > 20,000 50,000 35,000 364 21,614 1.64 97.40 43,184.45 113,919.22 28.27 74.57 18 87 13.85 66.92 10,950.40 16,542.99 57.43 86.76 25.36 14.52

18 > 50,000 100,000 75,000 261 21,875 1.18 98.58 28,506.07 142,425.29 18.66 93.23 23 110 17.69 84.62 360.23 16,903.22 1.89 88.65 1.26 11.87

19 > 100,000 500,000 300,000 253 22,128 1.14 99.72 8,671.77 151,097.06 5.68 98.91 20 130 15.38 100.00 2,163.68 19,066.90 11.35 100.00 24.95 12.62

20 > 500,000 62 22,190 0.28 100.00 1,671.71 152,768.77 1.09 100.00 0 130 0.00 100.00 0.00 19,066.90 0.00 100.00 0.00 12.4820 > 500,000 62 22,190 0.28 100.00 1,671.71 152,768.77 1.09 100.00 0 130 0.00 100.00 0.00 19,066.90 0.00 100.00 0.00 12.48

T O T A L 22,190 152,768.77 130 19,066.90 12.48

Page 180 of 204




1 0 50 25 25,750 25,750 9.78 9.78 37,297.65 37,297.65 6.53 6.53 227 227 5.96 5.96 1,231.26 1,231.26 0.54 0.54 3.30 3.30

2 > 50 100 75 10,785 36,535 4.10 13.88 2,735.45 40,033.10 0.48 7.01 138 365 3.62 9.58 2,969.46 4,200.72 1.30 1.83 108.55 10.49

3 > 100 200 150 20,588 57,123 7.82 21.70 6,488.93 46,522.02 1.14 8.15 150 515 3.94 13.51 5,140.82 9,341.54 2.24 4.08 79.22 20.08

4 > 200 300 250 18,545 75,668 7.04 28.74 8,287.60 54,809.63 1.45 9.60 121 636 3.18 16.69 4,471.81 13,813.35 1.95 6.03 53.96 25.20

5 > 300 500 400 32,108 107,776 12.20 40.94 21,831.46 76,641.09 3.82 13.42 239 875 6.27 22.96 8,875.38 22,688.73 3.87 9.90 40.65 29.60

rp RP




LOSS RATIO


rp

SUM INSURED

f F

6 > 500 750 625 23,147 130,923 8.79 49.73 21,064.42 97,705.51 3.69 17.11 263 1,138 6.90 29.86 8,766.22 31,454.95 3.83 13.73 41.62 32.19

7 > 750 1,000 875 21,866 152,789 8.31 58.04 25,300.57 123,006.08 4.43 21.54 267 1,405 7.01 36.87 9,417.22 40,872.16 4.11 17.84 37.22 33.23

8 > 1,000 1,500 1,250 20,275 173,064 7.70 65.74 29,645.69 152,651.77 5.19 26.73 270 1,675 7.08 43.95 16,425.99 57,298.15 7.17 25.01 55.41 37.54

9 > 1,500 2,000 1,750 13,824 186,888 5.25 70.99 25,670.04 178,321.81 4.50 31.23 181 1,856 4.75 48.70 10,699.97 67,998.13 4.67 29.68 41.68 38.13

10 > 2,000 2,500 2,250 8,460 195,348 3.21 74.20 17,441.65 195,763.47 3.05 34.28 103 1,959 2.70 51.40 7,573.02 75,571.15 3.31 32.99 43.42 38.60

11 > 2,500 3,000 2,750 8,154 203,502 3.10 77.30 17,686.55 213,450.02 3.10 37.38 109 2,068 2.86 54.26 10,239.07 85,810.21 4.47 37.46 57.89 40.20

12 > 3,000 4,000 3,500 9,972 213,474 3.79 81.09 23,735.23 237,185.25 4.16 41.53 141 2,209 3.70 57.96 13,172.87 98,983.09 5.75 43.21 55.50 41.73

13 > 4,000 5,000 4,500 8,153 221,627 3.10 84.19 23,725.75 260,911.00 4.15 45.69 112 2,321 2.94 60.90 14,947.06 113,930.15 6.52 49.73 63.00 43.67

14 > 5,000 7,500 6,250 9,757 231,384 3.71 87.89 36,513.72 297,424.72 6.39 52.08 487 2,808 12.78 73.68 26,328.56 140,258.71 11.49 61.23 72.11 47.16

15 > 7,500 10,000 8,750 7,339 238,723 2.79 90.68 36,771.37 334,196.09 6.44 58.52 83 2,891 2.18 75.86 16,936.61 157,195.32 7.39 68.62 46.06 47.04

16 > 10,000 20,000 15,000 9,485 248,208 3.60 94.28 58,411.37 392,607.46 10.23 68.75 173 3,064 4.54 80.40 11,649.92 168,845.23 5.09 73.71 19.94 43.01

17 > 20,000 50,000 35,000 7,127 255,335 2.71 96.99 54,197.97 446,805.43 9.49 78.24 198 3,262 5.20 85.59 37,637.61 206,482.85 16.43 90.14 69.44 46.21

18 > 50,000 100,000 75,000 2,970 258,305 1.13 98.12 32,877.44 479,682.88 5.76 84.00 79 3,341 2.07 87.67 3,424.84 209,907.68 1.50 91.63 10.42 43.7618 > 50,000 100,000 75,000 2,970 258,305 1.13 98.12 32,877.44 479,682.88 5.76 84.00 79 3,341 2.07 87.67 3,424.84 209,907.68 1.50 91.63 10.42 43.76

19 > 100,000 500,000 300,000 3,562 261,867 1.35 99.47 56,622.95 536,305.83 9.92 93.91 205 3,546 5.38 93.05 4,586.74 214,494.42 2.00 93.63 8.10 39.99

20 > 500,000 1,389 263,256 0.53 100.00 34,764.13 571,069.96 6.09 100.00 265 3,811 6.95 100.00 14,581.20 229,075.62 6.37 100.00 41.94 40.11

T O T A L 263,256 571,069.96 3,811 229,075.62 40.11

Page 181 of 204




1 0 50 25 29,301 29,301 14.53 14.53 20,873.46 20,873.46 5.41 5.41 88 88 7.92 7.92 423.56 423.56 0.38 0.38 2.03 2.03

2 > 50 100 75 22,581 51,882 11.20 25.73 3,249.30 24,122.76 0.84 6.25 35 123 3.15 11.07 634.81 1,058.36 0.57 0.95 19.54 4.39

3 > 100 200 150 30,713 82,595 15.23 40.97 7,838.33 31,961.09 2.03 8.28 41 164 3.69 14.76 1,406.82 2,465.19 1.27 2.22 17.95 7.71

4 > 200 300 250 19,039 101,634 9.44 50.41 7,901.82 39,862.91 2.05 10.33 44 208 3.96 18.72 557.93 3,023.11 0.50 2.72 7.06 7.58

5 > 300 500 400 22,032 123,666 10.93 61.34 14,285.07 54,147.98 3.70 14.04 71 279 6.39 25.11 2,349.10 5,372.22 2.12 4.84 16.44 9.92



RPBAND

rp

SUM INSUREDPERCENTAGEPERCENTAGE

rp RP


NUMBER OF POLICIES

f F


LOSS RATIO

6 > 500 750 625 13,073 136,739 6.48 67.83 12,861.48 67,009.46 3.33 17.37 49 328 4.41 29.52 2,146.80 7,519.02 1.93 6.77 16.69 11.22

7 > 750 1,000 875 10,339 147,078 5.13 72.95 13,634.46 80,643.92 3.53 20.90 46 374 4.14 33.66 3,505.49 11,024.51 3.16 9.93 25.71 13.67

8 > 1,000 1,500 1,250 10,803 157,881 5.36 78.31 17,024.08 97,668.00 4.41 25.32 37 411 3.33 36.99 592.67 11,617.18 0.53 10.47 3.48 11.89

9 > 1,500 2,000 1,750 6,092 163,973 3.02 81.34 12,722.44 110,390.44 3.30 28.61 28 439 2.52 39.51 2,778.92 14,396.10 2.50 12.97 21.84 13.04

10 > 2,000 2,500 2,250 3,590 167,563 1.78 83.12 9,007.42 119,397.86 2.33 30.95 9 448 0.81 40.32 9.68 14,405.79 0.01 12.98 0.11 12.07

11 > 2,500 3,000 2,750 3,332 170,895 1.65 84.77 9,239.34 128,637.20 2.39 33.34 29 477 2.61 42.93 2,213.30 16,619.08 1.99 14.97 23.96 12.92

12 > 3,000 4,000 3,500 4,052 174,947 2.01 86.78 13,902.88 142,540.08 3.60 36.95 47 524 4.23 47.16 3,679.60 20,298.69 3.31 18.29 26.47 14.24

13 > 4,000 5,000 4,500 3,155 178,102 1.56 88.34 12,569.23 155,109.31 3.26 40.20 24 548 2.16 49.32 3,005.43 23,304.11 2.71 20.99 23.91 15.02

14 > 5,000 7,500 6,250 4,263 182,365 2.11 90.46 21,669.92 176,779.23 5.62 45.82 47 595 4.23 53.56 577.70 23,881.82 0.52 21.51 2.67 13.51

15 > 7,500 10,000 8,750 3,164 185,529 1.57 92.03 19,115.73 195,894.97 4.95 50.78 33 628 2.97 56.53 10,943.32 34,825.14 9.86 31.37 57.25 17.78

16 > 10,000 20,000 15,000 5,050 190,579 2.50 94.53 46,148.91 242,043.88 11.96 62.74 109 737 9.81 66.34 21,960.26 56,785.40 19.78 51.16 47.59 23.46

17 > 20,000 50,000 35,000 4,558 195,137 2.26 96.79 52,328.78 294,372.65 13.56 76.30 109 846 9.81 76.15 10,374.89 67,160.29 9.35 60.50 19.83 22.81

18 > 50,000 100,000 75,000 2,257 197,394 1.12 97.91 32,484.92 326,857.58 8.42 84.72 64 910 5.76 81.91 8,020.24 75,180.52 7.23 67.73 24.69 23.0018 > 50,000 100,000 75,000 2,257 197,394 1.12 97.91 32,484.92 326,857.58 8.42 84.72 64 910 5.76 81.91 8,020.24 75,180.52 7.23 67.73 24.69 23.00

19 > 100,000 500,000 300,000 3,088 200,482 1.53 99.44 42,766.46 369,624.03 11.09 95.81 124 1,034 11.16 93.07 17,596.24 92,776.77 15.85 83.58 41.14 25.10

20 > 500,000 1,120 201,602 0.56 100.00 16,173.25 385,797.28 4.19 100.00 77 1,111 6.93 100.00 18,226.93 111,003.70 16.42 100.00 112.70 28.77

T O T A L 201,602 385,797.28 1,111 111,003.70 28.77

Page 182 of 204





1 0 50 25 26,355 26,355 22.88 22.88 7,814.62 7,814.62 4.85 4.85 29 29 7.69 7.69 64.57 64.57 0.61 0.61 0.83 0.83

2 > 50 100 75 18,698 45,053 16.23 39.11 2,211.13 10,025.75 1.37 6.22 11 40 2.92 10.61 102.34 166.91 0.97 1.58 4.63 1.66

3 > 100 200 150 19,065 64,118 16.55 55.67 4,586.99 14,612.74 2.85 9.07 28 68 7.43 18.04 356.67 523.58 3.37 4.95 7.78 3.58

4 > 200 300 250 9,360 73,478 8.13 63.79 4,076.49 18,689.23 2.53 11.60 6 74 1.59 19.63 148.49 672.07 1.40 6.36 3.64 3.60

5 > 300 500 400 9,784 83,262 8.49 72.29 7,426.51 26,115.74 4.61 16.21 16 90 4.24 23.87 861.86 1,533.93 8.15 14.51 11.61 5.87

6 > 500 750 625 5,694 88,956 4.94 77.23 6,601.92 32,717.66 4.10 20.31 14 104 3.71 27.59 110.89 1,644.82 1.05 15.56 1.68 5.03

7 > 750 1,000 875 4,270 93,226 3.71 80.94 6,151.55 38,869.21 3.82 24.13 38 142 10.08 37.67 200.83 1,845.66 1.90 17.46 3.26 4.75

rp RP




LOSS RATIO


rp

SUM INSURED

f F

7 > 750 1,000 875 4,270 93,226 3.71 80.94 6,151.55 38,869.21 3.82 24.13 38 142 10.08 37.67 200.83 1,845.66 1.90 17.46 3.26 4.75

8 > 1,000 1,500 1,250 4,439 97,665 3.85 84.79 7,833.30 46,702.51 4.86 28.99 27 169 7.16 44.83 1,891.80 3,737.45 17.89 35.35 24.15 8.00

9 > 1,500 2,000 1,750 2,562 100,227 2.22 87.02 5,816.91 52,519.42 3.61 32.60 15 184 3.98 48.81 1,420.46 5,157.92 13.43 48.78 24.42 9.82

10 > 2,000 2,500 2,250 1,665 101,892 1.45 88.46 4,565.39 57,084.81 2.83 35.43 11 195 2.92 51.72 105.00 5,262.92 0.99 49.77 2.30 9.22

11 > 2,500 3,000 2,750 1,342 103,234 1.17 89.63 4,115.00 61,199.82 2.55 37.99 11 206 2.92 54.64 193.55 5,456.47 1.83 51.60 4.70 8.92

12 > 3,000 4,000 3,500 1,668 104,902 1.45 91.08 7,588.90 68,788.72 4.71 42.70 3 209 0.80 55.44 5.20 5,461.67 0.05 51.65 0.07 7.94

13 > 4,000 5,000 4,500 1,358 106,260 1.18 92.25 6,084.96 74,873.68 3.78 46.47 8 217 2.12 57.56 51.60 5,513.27 0.49 52.14 0.85 7.36

14 > 5,000 7,500 6,250 1,821 108,081 1.58 93.84 11,281.05 86,154.74 7.00 53.47 16 233 4.24 61.80 216.04 5,729.31 2.04 54.19 1.92 6.65

15 > 7,500 10,000 8,750 1,287 109,368 1.12 94.95 8,876.60 95,031.34 5.51 58.98 18 251 4.77 66.58 52.93 5,782.24 0.50 54.69 0.60 6.08

16 > 10,000 20,000 15,000 2,139 111,507 1.86 96.81 17,727.83 112,759.17 11.00 69.99 34 285 9.02 75.60 1,354.47 7,136.71 12.81 67.50 7.64 6.33

17 > 20,000 50,000 35,000 1,656 113,163 1.44 98.25 18,905.55 131,664.72 11.73 81.72 40 325 10.61 86.21 2,200.49 9,337.20 20.81 88.31 11.64 7.09

18 > 50,000 100,000 75,000 814 113,977 0.71 98.95 10,395.37 142,060.09 6.45 88.17 17 342 4.51 90.72 465.30 9,802.49 4.40 92.71 4.48 6.90

19 > 100,000 500,000 300,000 783 114,760 0.68 99.63 12,687.05 154,747.14 7.87 96.05 25 367 6.63 97.35 476.84 10,279.34 4.51 97.22 3.76 6.64

20 > 500,000 421 115,181 0.37 100.00 6,367.33 161,114.47 3.95 100.00 10 377 2.65 100.00 294.24 10,573.58 2.78 100.00 4.62 6.5620 > 500,000 421 115,181 0.37 100.00 6,367.33 161,114.47 3.95 100.00 10 377 2.65 100.00 294.24 10,573.58 2.78 100.00 4.62 6.56

T O T A L 115,181 161,114.47 377 10,573.58 6.56

Page 183 of 204





1 0 50 25 2,364 2,364 18.25 18.25 856.50 856.50 2.11 2.11 2 2 3.85 3.85 3.63 3.63 0.45 0.45 0.42 0.42

2 > 50 100 75 1,566 3,930 12.09 30.34 203.14 1,059.65 0.50 2.61 4 6 7.69 11.54 110.96 114.59 13.80 14.25 54.62 10.81

3 > 100 200 150 1,989 5,919 15.36 45.70 452.85 1,512.50 1.12 3.73 7 13 13.46 25.00 7.21 121.80 0.90 15.15 1.59 8.05

4 > 200 300 250 1,164 7,083 8.99 54.69 436.98 1,949.48 1.08 4.80 4 17 7.69 32.69 30.48 152.28 3.79 18.94 6.98 7.81

5 > 300 500 400 1,410 8,493 10.89 65.57 988.35 2,937.83 2.43 7.24 6 23 11.54 44.23 233.12 385.40 28.99 47.93 23.59 13.12

6 > 500 750 625 816 9,309 6.30 71.87 904.11 3,841.94 2.23 9.46 1 24 1.92 46.15 0.00 385.40 0.00 47.93 0.00 10.03

7 > 750 1,000 875 757 10,066 5.84 77.72 951.10 4,793.03 2.34 11.81 0 24 0.00 46.15 0.00 385.40 0.00 47.93 0.00 8.04

8 > 1,000 1,500 1,250 705 10,771 5.44 83.16 1,132.25 5,925.29 2.79 14.60 1 25 1.92 48.08 0.00 385.40 0.00 47.93 0.00 6.50


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

8 > 1,000 1,500 1,250 705 10,771 5.44 83.16 1,132.25 5,925.29 2.79 14.60 1 25 1.92 48.08 0.00 385.40 0.00 47.93 0.00 6.50

9 > 1,500 2,000 1,750 426 11,197 3.29 86.45 938.52 6,863.81 2.31 16.91 0 25 0.00 48.08 0.00 385.40 0.00 47.93 0.00 5.62

10 > 2,000 2,500 2,250 245 11,442 1.89 88.34 758.27 7,622.08 1.87 18.78 6 31 11.54 59.62 28.67 414.07 3.57 51.50 3.78 5.43

11 > 2,500 3,000 2,750 197 11,639 1.52 89.86 579.89 8,201.96 1.43 20.20 0 31 0.00 59.62 0.00 414.07 0.00 51.50 0.00 5.05

12 > 3,000 4,000 3,500 246 11,885 1.90 91.76 965.50 9,167.46 2.38 22.58 0 31 0.00 59.62 0.00 414.07 0.00 51.50 0.00 4.52

13 > 4,000 5,000 4,500 162 12,047 1.25 93.01 629.32 9,796.78 1.55 24.13 0 31 0.00 59.62 0.00 414.07 0.00 51.50 0.00 4.23

14 > 5,000 7,500 6,250 249 12,296 1.92 94.94 1,182.60 10,979.38 2.91 27.05 5 36 9.62 69.23 26.98 441.06 3.36 54.85 2.28 4.02

15 > 7,500 10,000 8,750 144 12,440 1.11 96.05 751.41 11,730.79 1.85 28.90 0 36 0.00 69.23 0.00 441.06 0.00 54.85 0.00 3.76

16 > 10,000 20,000 15,000 259 12,699 2.00 98.05 1,997.85 13,728.64 4.92 33.82 0 36 0.00 69.23 0.00 441.06 0.00 54.85 0.00 3.21

17 > 20,000 50,000 35,000 153 12,852 1.18 99.23 1,368.53 15,097.17 3.37 37.19 9 45 17.31 86.54 240.70 681.75 29.93 84.79 17.59 4.52

18 > 50,000 100,000 75,000 52 12,904 0.40 99.63 637.54 15,734.71 1.57 38.76 5 50 9.62 96.15 108.72 790.47 13.52 98.31 17.05 5.02

19 > 100,000 500,000 300,000 37 12,941 0.29 99.92 1,077.65 16,812.36 2.65 41.41 0 50 0.00 96.15 0.00 790.47 0.00 98.31 0.00 4.70

20 > 500,000 11 12,952 0.08 100.00 23,783.11 40,595.47 58.59 100.00 2 52 3.85 100.00 13.60 804.07 1.69 100.00 0.06 1.98

T O T A L 12,952 40,595.47 52 804.07 1.98T O T A L 12,952 40,595.47 52 804.07 1.98

Page 184 of 204




1 0 50 25 22,286 22,286 15.09 15.09 16,389.46 16,389.46 5.67 5.67 45 45 7.02 7.02 157.64 157.64 0.20 0.20 0.96 0.96

2 > 50 100 75 14,452 36,738 9.79 24.88 2,121.69 18,511.15 0.73 6.40 10 55 1.56 8.58 279.91 437.55 0.35 0.55 13.19 2.36

3 > 100 200 150 22,403 59,141 15.17 40.05 5,235.10 23,746.25 1.81 8.22 29 84 4.52 13.10 1,064.14 1,501.69 1.34 1.89 20.33 6.32

4 > 200 300 250 13,350 72,491 9.04 49.10 5,657.00 29,403.24 1.96 10.17 24 108 3.74 16.85 856.25 2,357.94 1.08 2.96 15.14 8.02

5 > 300 500 400 16,422 88,913 11.12 60.22 11,101.50 40,504.74 3.84 14.01 19 127 2.96 19.81 725.83 3,083.76 0.91 3.87 6.54 7.61

6 > 500 750 625 10,663 99,576 7.22 67.44 10,364.81 50,869.55 3.59 17.60 18 145 2.81 22.62 274.13 3,357.89 0.34 4.22 2.64 6.60

7 > 750 1,000 875 8,299 107,875 5.62 73.06 10,570.80 61,440.35 3.66 21.26 9 154 1.40 24.02 74.61 3,432.50 0.09 4.31 0.71 5.59


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

7 > 750 1,000 875 8,299 107,875 5.62 73.06 10,570.80 61,440.35 3.66 21.26 9 154 1.40 24.02 74.61 3,432.50 0.09 4.31 0.71 5.59

8 > 1,000 1,500 1,250 8,328 116,203 5.64 78.70 13,804.26 75,244.61 4.78 26.03 17 171 2.65 26.68 1,909.00 5,341.51 2.40 6.71 13.83 7.10

9 > 1,500 2,000 1,750 4,986 121,189 3.38 82.08 11,431.70 86,676.31 3.95 29.99 11 182 1.72 28.39 93.82 5,435.33 0.12 6.83 0.82 6.27

10 > 2,000 2,500 2,250 2,832 124,021 1.92 84.00 8,148.21 94,824.53 2.82 32.81 18 200 2.81 31.20 1,793.50 7,228.83 2.25 9.08 22.01 7.62

11 > 2,500 3,000 2,750 2,407 126,428 1.63 85.63 7,930.99 102,755.51 2.74 35.55 21 221 3.28 34.48 1,091.54 8,320.36 1.37 10.45 13.76 8.10

12 > 3,000 4,000 3,500 3,141 129,569 2.13 87.75 12,961.83 115,717.34 4.48 40.03 17 238 2.65 37.13 216.87 8,537.23 0.27 10.73 1.67 7.38

13 > 4,000 5,000 4,500 2,383 131,952 1.61 89.37 10,097.01 125,814.35 3.49 43.53 17 255 2.65 39.78 93.04 8,630.27 0.12 10.84 0.92 6.86

14 > 5,000 7,500 6,250 3,082 135,034 2.09 91.46 17,183.11 142,997.46 5.94 49.47 36 291 5.62 45.40 7,284.58 15,914.86 9.15 20.00 42.39 11.13

15 > 7,500 10,000 8,750 2,231 137,265 1.51 92.97 16,915.67 159,913.13 5.85 55.32 61 352 9.52 54.91 11,486.13 27,400.98 14.43 34.43 67.90 17.13

16 > 10,000 20,000 15,000 3,643 140,908 2.47 95.43 39,446.16 199,359.29 13.65 68.97 62 414 9.67 64.59 28,499.48 55,900.46 35.81 70.23 72.25 28.04

17 > 20,000 50,000 35,000 2,959 143,867 2.00 97.44 36,032.05 235,391.34 12.47 81.44 57 471 8.89 73.48 3,626.44 59,526.90 4.56 74.79 10.06 25.29

18 > 50,000 100,000 75,000 1,408 145,275 0.95 98.39 18,765.15 254,156.49 6.49 87.93 48 519 7.49 80.97 14,747.13 74,274.03 18.53 93.32 78.59 29.22

19 > 100,000 500,000 300,000 1,753 147,028 1.19 99.58 25,136.56 279,293.04 8.70 96.62 82 601 12.79 93.76 3,214.37 77,488.40 4.04 97.36 12.79 27.74

20 > 500,000 622 147,650 0.42 100.00 9,756.12 289,049.16 3.38 100.00 40 641 6.24 100.00 2,104.79 79,593.19 2.64 100.00 21.57 27.5420 > 500,000 622 147,650 0.42 100.00 9,756.12 289,049.16 3.38 100.00 40 641 6.24 100.00 2,104.79 79,593.19 2.64 100.00 21.57 27.54

T O T A L 147,650 289,049.16 641 79,593.19 27.54

Page 185 of 204





1 0 50 25 7,983 7,983 22.37 22.37 5,753.65 5,753.65 7.83 7.83 12 12 6.67 6.67 154.84 154.84 1.60 1.60 2.69 2.69

2 > 50 100 75 5,071 13,054 14.21 36.58 2,100.48 7,854.14 2.86 10.69 31 43 17.22 23.89 997.76 1,152.60 10.34 11.94 47.50 14.68

3 > 100 200 150 7,630 20,684 21.38 57.97 5,761.53 13,615.67 7.84 18.54 21 64 11.67 35.56 1,044.00 2,196.59 10.82 22.76 18.12 16.13

4 > 200 300 250 3,745 24,429 10.50 68.46 4,975.44 18,591.11 6.77 25.31 19 83 10.56 46.11 1,858.43 4,055.02 19.26 42.01 37.35 21.81

5 > 300 500 400 3,232 27,661 9.06 77.52 6,495.80 25,086.92 8.84 34.16 17 100 9.44 55.56 2,336.48 6,391.50 24.21 66.22 35.97 25.48

6 > 500 750 625 1,370 29,031 3.84 81.36 3,535.44 28,622.36 4.81 38.97 5 105 2.78 58.33 522.03 6,913.54 5.41 71.63 14.77 24.15

7 > 750 1,000 875 1,491 30,522 4.18 85.54 22,281.21 50,903.57 30.34 69.31 6 111 3.33 61.67 1,115.02 8,028.55 11.55 83.18 5.00 15.77

8 > 1,000 1,500 1,250 1,344 31,866 3.77 89.30 2,861.33 53,764.90 3.90 73.21 0 111 0.00 61.67 0.00 8,028.55 0.00 83.18 0.00 14.93


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

8 > 1,000 1,500 1,250 1,344 31,866 3.77 89.30 2,861.33 53,764.90 3.90 73.21 0 111 0.00 61.67 0.00 8,028.55 0.00 83.18 0.00 14.93

9 > 1,500 2,000 1,750 945 32,811 2.65 91.95 2,436.40 56,201.30 3.32 76.52 2 113 1.11 62.78 4.35 8,032.90 0.05 83.23 0.18 14.29

10 > 2,000 2,500 2,250 450 33,261 1.26 93.21 1,152.37 57,353.67 1.57 78.09 0 113 0.00 62.78 0.00 8,032.90 0.00 83.23 0.00 14.01

11 > 2,500 3,000 2,750 372 33,633 1.04 94.25 1,347.89 58,701.56 1.84 79.93 3 116 1.67 64.44 19.63 8,052.53 0.20 83.43 1.46 13.72

12 > 3,000 4,000 3,500 402 34,035 1.13 95.38 1,657.12 60,358.68 2.26 82.18 4 120 2.22 66.67 158.96 8,211.49 1.65 85.08 9.59 13.60

13 > 4,000 5,000 4,500 280 34,315 0.78 96.17 1,395.70 61,754.38 1.90 84.09 5 125 2.78 69.44 35.24 8,246.72 0.37 85.44 2.52 13.35

14 > 5,000 7,500 6,250 373 34,688 1.05 97.21 1,763.58 63,517.95 2.40 86.49 9 134 5.00 74.44 1,031.51 9,278.23 10.69 96.13 58.49 14.61

15 > 7,500 10,000 8,750 205 34,893 0.57 97.79 1,656.47 65,174.43 2.26 88.74 0 134 0.00 74.44 0.00 9,278.23 0.00 96.13 0.00 14.24

16 > 10,000 20,000 15,000 305 35,198 0.85 98.64 2,712.46 67,886.89 3.69 92.44 2 136 1.11 75.56 3.75 9,281.98 0.04 96.17 0.14 13.67

17 > 20,000 50,000 35,000 205 35,403 0.57 99.22 2,312.14 70,199.03 3.15 95.58 16 152 8.89 84.44 50.47 9,332.45 0.52 96.69 2.18 13.29

18 > 50,000 100,000 75,000 126 35,529 0.35 99.57 1,306.74 71,505.76 1.78 97.36 0 152 0.00 84.44 0.00 9,332.45 0.00 96.69 0.00 13.05

19 > 100,000 500,000 300,000 134 35,663 0.38 99.94 1,738.08 73,243.84 2.37 99.73 14 166 7.78 92.22 302.09 9,634.54 3.13 99.82 17.38 13.15

20 > 500,000 20 35,683 0.06 100.00 198.79 73,442.63 0.27 100.00 14 180 7.78 100.00 17.11 9,651.65 0.18 100.00 8.61 13.14

T O T A L 35,683 73,442.63 180 9,651.65 13.14T O T A L 35,683 73,442.63 180 9,651.65 13.14

Page 186 of 204





1 0 50 25 1,420 1,420 16.85 16.85 629.00 629.00 0.98 0.98 3 3 9.09 9.09 12.82 12.82 1.13 1.13 2.04 2.04

2 > 50 100 75 1,252 2,672 14.86 31.70 285.49 914.49 0.45 1.43 3 6 9.09 18.18 79.35 92.17 7.01 8.14 27.79 10.08

3 > 100 200 150 1,732 4,404 20.55 52.25 774.90 1,689.39 1.21 2.64 0 6 0.00 18.18 0.00 92.17 0.00 8.14 0.00 5.46

4 > 200 300 250 936 5,340 11.11 63.36 750.05 2,439.44 1.17 3.81 1 7 3.03 21.21 0.00 92.17 0.00 8.14 0.00 3.78

5 > 300 500 400 1,003 6,343 11.90 75.26 1,184.82 3,624.27 1.85 5.66 3 10 9.09 30.30 208.44 300.61 18.41 26.55 17.59 8.29

6 > 500 750 625 467 6,810 5.54 80.80 879.98 4,504.25 1.37 7.03 2 12 6.06 36.36 355.30 655.91 31.38 57.94 40.38 14.56

7 > 750 1,000 875 364 7,174 4.32 85.12 805.50 5,309.75 1.26 8.29 0 12 0.00 36.36 0.00 655.91 0.00 57.94 0.00 12.35

8 > 1,000 1,500 1,250 271 7,445 3.22 88.34 842.06 6,151.81 1.31 9.60 0 12 0.00 36.36 0.00 655.91 0.00 57.94 0.00 10.66


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

8 > 1,000 1,500 1,250 271 7,445 3.22 88.34 842.06 6,151.81 1.31 9.60 0 12 0.00 36.36 0.00 655.91 0.00 57.94 0.00 10.66

9 > 1,500 2,000 1,750 148 7,593 1.76 90.09 521.92 6,673.74 0.81 10.42 0 12 0.00 36.36 0.00 655.91 0.00 57.94 0.00 9.83

10 > 2,000 2,500 2,250 104 7,697 1.23 91.33 24,354.83 31,028.57 38.01 48.43 0 12 0.00 36.36 0.00 655.91 0.00 57.94 0.00 2.11

11 > 2,500 3,000 2,750 75 7,772 0.89 92.22 315.39 31,343.96 0.49 48.92 0 12 0.00 36.36 0.00 655.91 0.00 57.94 0.00 2.09

12 > 3,000 4,000 3,500 105 7,877 1.25 93.46 477.33 31,821.29 0.75 49.67 0 12 0.00 36.36 0.00 655.91 0.00 57.94 0.00 2.06

13 > 4,000 5,000 4,500 64 7,941 0.76 94.22 23,966.32 55,787.61 37.41 87.08 0 12 0.00 36.36 0.00 655.91 0.00 57.94 0.00 1.18

14 > 5,000 7,500 6,250 82 8,023 0.97 95.19 432.70 56,220.31 0.68 87.75 0 12 0.00 36.36 0.00 655.91 0.00 57.94 0.00 1.17

15 > 7,500 10,000 8,750 79 8,102 0.94 96.13 1,201.40 57,421.71 1.88 89.63 0 12 0.00 36.36 0.00 655.91 0.00 57.94 0.00 1.14

16 > 10,000 20,000 15,000 88 8,190 1.04 97.18 834.17 58,255.88 1.30 90.93 2 14 6.06 42.42 0.68 656.59 0.06 58.00 0.08 1.13

17 > 20,000 50,000 35,000 93 8,283 1.10 98.28 4,217.37 62,473.25 6.58 97.51 2 16 6.06 48.48 210.00 866.59 18.55 76.54 4.98 1.39

18 > 50,000 100,000 75,000 52 8,335 0.62 98.90 622.78 63,096.04 0.97 98.48 3 19 9.09 57.58 0.00 866.59 0.00 76.54 0.00 1.37

19 > 100,000 500,000 300,000 84 8,419 1.00 99.89 893.35 63,989.38 1.39 99.88 14 33 42.42 100.00 265.55 1,132.14 23.46 100.00 29.73 1.77

20 > 500,000 9 8,428 0.11 100.00 77.82 64,067.20 0.12 100.00 0 33 0.00 100.00 0.00 1,132.14 0.00 100.00 0.00 1.77

T O T A L 8,428 64,067.20 33 1,132.14 1.77T O T A L 8,428 64,067.20 33 1,132.14 1.77

Page 187 of 204





1 0 50 25 3,122 3,122 15.26 15.26 1,143.86 1,143.86 3.60 3.60 8 8 9.88 9.88 68.22 68.22 1.15 1.15 5.96 5.96

2 > 50 100 75 3,089 6,211 15.10 30.36 515.26 1,659.13 1.62 5.22 10 18 12.35 22.22 121.46 189.67 2.05 3.20 23.57 11.43

3 > 100 200 150 4,302 10,513 21.03 51.39 1,209.33 2,868.45 3.80 9.02 4 22 4.94 27.16 174.44 364.11 2.95 6.15 14.42 12.69

4 > 200 300 250 2,272 12,785 11.11 62.50 1,095.02 3,963.48 3.44 12.46 0 22 0.00 27.16 0.00 364.11 0.00 6.15 0.00 9.19

5 > 300 500 400 2,164 14,949 10.58 73.08 1,569.92 5,533.40 4.94 17.40 4 26 4.94 32.10 376.03 740.14 6.35 12.50 23.95 13.38

6 > 500 750 625 1,138 16,087 5.56 78.64 1,410.58 6,943.98 4.44 21.84 4 30 4.94 37.04 874.37 1,614.51 14.77 27.27 61.99 23.25

7 > 750 1,000 875 794 16,881 3.88 82.52 1,406.57 8,350.55 4.42 26.26 3 33 3.70 40.74 687.80 2,302.31 11.62 38.89 48.90 27.57

8 > 1,000 1,500 1,250 710 17,591 3.47 85.99 1,465.60 9,816.15 4.61 30.87 0 33 0.00 40.74 0.00 2,302.31 0.00 38.89 0.00 23.45


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

8 > 1,000 1,500 1,250 710 17,591 3.47 85.99 1,465.60 9,816.15 4.61 30.87 0 33 0.00 40.74 0.00 2,302.31 0.00 38.89 0.00 23.45

9 > 1,500 2,000 1,750 440 18,031 2.15 88.15 1,270.66 11,086.81 4.00 34.86 1 34 1.23 41.98 0.00 2,302.31 0.00 38.89 0.00 20.77

10 > 2,000 2,500 2,250 300 18,331 1.47 89.61 841.41 11,928.21 2.65 37.51 4 38 4.94 46.91 2,025.12 4,327.43 34.21 73.10 240.68 36.28

11 > 2,500 3,000 2,750 204 18,535 1.00 90.61 739.91 12,668.12 2.33 39.83 0 38 0.00 46.91 0.00 4,327.43 0.00 73.10 0.00 34.16

12 > 3,000 4,000 3,500 251 18,786 1.23 91.84 1,012.97 13,681.10 3.19 43.02 0 38 0.00 46.91 0.00 4,327.43 0.00 73.10 0.00 31.63

13 > 4,000 5,000 4,500 222 19,008 1.09 92.92 812.20 14,493.29 2.55 45.57 7 45 8.64 55.56 137.99 4,465.41 2.33 75.43 16.99 30.81

14 > 5,000 7,500 6,250 291 19,299 1.42 94.34 1,560.30 16,053.60 4.91 50.48 4 49 4.94 60.49 340.93 4,806.34 5.76 81.19 21.85 29.94

15 > 7,500 10,000 8,750 237 19,536 1.16 95.50 1,353.14 17,406.74 4.25 54.74 1 50 1.23 61.73 0.00 4,806.34 0.00 81.19 0.00 27.61

16 > 10,000 20,000 15,000 327 19,863 1.60 97.10 2,941.84 20,348.57 9.25 63.99 3 53 3.70 65.43 5.73 4,812.07 0.10 81.29 0.19 23.65

17 > 20,000 50,000 35,000 292 20,155 1.43 98.53 6,222.97 26,571.54 19.57 83.55 6 59 7.41 72.84 46.87 4,858.95 0.79 82.08 0.75 18.29

18 > 50,000 100,000 75,000 123 20,278 0.60 99.13 1,354.85 27,926.39 4.26 87.81 9 68 11.11 83.95 169.22 5,028.17 2.86 84.94 12.49 18.01

19 > 100,000 500,000 300,000 113 20,391 0.55 99.68 2,271.02 30,197.40 7.14 94.95 0 68 0.00 83.95 0.00 5,028.17 0.00 84.94 0.00 16.65

20 > 500,000 65 20,456 0.32 100.00 1,604.40 31,801.81 5.05 100.00 13 81 16.05 100.00 891.72 5,919.89 15.06 100.00 55.58 18.61

T O T A L 20,456 31,801.81 81 5,919.89 18.61T O T A L 20,456 31,801.81 81 5,919.89 18.61

Page 188 of 204





1 0 50 25 4,115 4,115 13.80 13.80 4,820.70 4,820.70 6.15 6.15 15 15 10.34 10.34 113.23 113.23 0.92 0.92 2.35 2.35

2 > 50 100 75 2,452 6,567 8.22 22.02 713.89 5,534.59 0.91 7.06 6 21 4.14 14.48 186.12 299.35 1.51 2.42 26.07 5.41

3 > 100 200 150 4,351 10,918 14.59 36.60 1,849.13 7,383.72 2.36 9.42 7 28 4.83 19.31 346.92 646.27 2.81 5.23 18.76 8.75

4 > 200 300 250 3,210 14,128 10.76 47.36 2,069.08 9,452.80 2.64 12.06 2 30 1.38 20.69 172.38 818.65 1.40 6.63 8.33 8.66

5 > 300 500 400 3,987 18,115 13.37 60.73 4,077.59 13,530.38 5.20 17.26 12 42 8.28 28.97 725.91 1,544.56 5.87 12.50 17.80 11.42

6 > 500 750 625 2,339 20,454 7.84 68.57 3,570.69 17,101.07 4.56 21.82 15 57 10.34 39.31 95.87 1,640.43 0.78 13.28 2.68 9.59

7 > 750 1,000 875 1,800 22,254 6.03 74.61 3,741.23 20,842.30 4.77 26.59 11 68 7.59 46.90 1,869.30 3,509.73 15.13 28.40 49.96 16.84


RPPERCENTAGE

rp RPBAND

rp


LOSS RATIO

f

CLAIM SEVERITY (in million Rupiah)PERCENTAGE PERCENTAGE(in million) Mid Points PERCENTAGE

NUMBER OF POLICIES

f F F

8 > 1,000 1,500 1,250 1,656 23,910 5.55 80.16 4,327.42 25,169.72 5.52 32.11 3 71 2.07 48.97 43.64 3,553.37 0.35 28.76 1.01 14.12

9 > 1,500 2,000 1,750 977 24,887 3.28 83.43 3,053.47 28,223.19 3.90 36.01 5 76 3.45 52.41 173.42 3,726.79 1.40 30.16 5.68 13.20

10 > 2,000 2,500 2,250 620 25,507 2.08 85.51 2,103.13 30,326.32 2.68 38.69 0 76 0.00 52.41 0.00 3,726.79 0.00 30.16 0.00 12.29

11 > 2,500 3,000 2,750 495 26,002 1.66 87.17 1,704.76 32,031.07 2.17 40.86 3 79 2.07 54.48 2,900.35 6,627.14 23.47 53.63 170.13 20.69

12 > 3,000 4,000 3,500 558 26,560 1.87 89.04 3,388.41 35,419.48 4.32 45.19 2 81 1.38 55.86 219.34 6,846.48 1.78 55.41 6.47 19.33

13 > 4,000 5,000 4,500 516 27,076 1.73 90.77 2,335.65 37,755.13 2.98 48.17 2 83 1.38 57.24 5.73 6,852.21 0.05 55.46 0.25 18.15

14 > 5,000 7,500 6,250 617 27,693 2.07 92.84 2,980.61 40,735.74 3.80 51.97 9 92 6.21 63.45 833.88 7,686.09 6.75 62.20 27.98 18.87

15 > 7,500 10,000 8,750 439 28,132 1.47 94.31 2,260.23 42,995.97 2.88 54.85 6 98 4.14 67.59 243.22 7,929.31 1.97 64.17 10.76 18.44

16 > 10,000 20,000 15,000 598 28,730 2.00 96.32 19,795.94 62,791.91 25.25 80.11 6 104 4.14 71.72 353.18 8,282.49 2.86 67.03 1.78 13.19

17 > 20,000 50,000 35,000 488 29,218 1.64 97.95 5,069.23 67,861.14 6.47 86.57 11 115 7.59 79.31 2,654.12 10,936.61 21.48 88.51 52.36 16.12

18 > 50,000 100,000 75,000 211 29,429 0.71 98.66 2,720.20 70,581.34 3.47 90.04 0 115 0.00 79.31 0.00 10,936.61 0.00 88.51 0.00 15.50

19 > 100,000 500,000 300,000 296 29,725 0.99 99.65 3,758.20 74,339.54 4.79 94.84 16 131 11.03 90.34 1,240.65 12,177.26 10.04 98.55 33.01 16.38

20 > 500,000 104 29,829 0.35 100.00 4,045.12 78,384.66 5.16 100.00 14 145 9.66 100.00 179.07 12,356.33 1.45 100.00 4.43 15.76

T O T A L 29,829 78,384.66 145 12,356.33 15.76

Page 189 of 204





1 0 50 25 1,804 1,804 11.69 11.69 1,419.49 1,419.49 5.12 5.12 4 4 10.00 10.00 65.30 65.30 2.09 2.09 4.60 4.60

2 > 50 100 75 1,441 3,245 9.34 21.03 242.87 1,662.37 0.88 6.00 2 6 5.00 15.00 52.00 117.30 1.67 3.76 21.41 7.06

3 > 100 200 150 2,493 5,738 16.16 37.19 765.12 2,427.49 2.76 8.76 4 10 10.00 25.00 315.00 432.30 10.10 13.87 41.17 17.81

4 > 200 300 250 1,980 7,718 12.83 50.03 918.44 3,345.92 3.31 12.07 3 13 7.50 32.50 260.44 692.74 8.35 22.22 28.36 20.70

5 > 300 500 400 2,229 9,947 14.45 64.47 1,621.88 4,967.81 5.85 17.92 0 13 0.00 32.50 0.00 692.74 0.00 22.22 0.00 13.94

6 > 500 750 625 1,304 11,251 8.45 72.93 1,594.14 6,561.95 5.75 23.67 3 16 7.50 40.00 92.82 785.56 2.98 25.20 5.82 11.97

7 > 750 1,000 875 973 12,224 6.31 79.23 1,849.97 8,411.92 6.67 30.35 6 22 15.00 55.00 688.59 1,474.14 22.09 47.29 37.22 17.52

8 > 1,000 1,500 1,250 904 13,128 5.86 85.09 2,205.49 10,617.41 7.96 38.31 2 24 5.00 60.00 45.00 1,519.14 1.44 48.73 2.04 14.31


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

8 > 1,000 1,500 1,250 904 13,128 5.86 85.09 2,205.49 10,617.41 7.96 38.31 2 24 5.00 60.00 45.00 1,519.14 1.44 48.73 2.04 14.31

9 > 1,500 2,000 1,750 530 13,658 3.44 88.53 1,756.63 12,374.04 6.34 44.64 4 28 10.00 70.00 1,119.45 2,638.59 35.91 84.64 63.73 21.32

10 > 2,000 2,500 2,250 270 13,928 1.75 90.28 1,112.74 13,486.78 4.01 48.66 1 29 2.50 72.50 0.00 2,638.59 0.00 84.64 0.00 19.56

11 > 2,500 3,000 2,750 234 14,162 1.52 91.79 1,077.85 14,564.62 3.89 52.55 0 29 0.00 72.50 0.00 2,638.59 0.00 84.64 0.00 18.12

12 > 3,000 4,000 3,500 276 14,438 1.79 93.58 1,472.74 16,037.36 5.31 57.86 0 29 0.00 72.50 0.00 2,638.59 0.00 84.64 0.00 16.45

13 > 4,000 5,000 4,500 182 14,620 1.18 94.76 945.14 16,982.50 3.41 61.27 0 29 0.00 72.50 0.00 2,638.59 0.00 84.64 0.00 15.54

14 > 5,000 7,500 6,250 236 14,856 1.53 96.29 1,586.15 18,568.65 5.72 66.99 0 29 0.00 72.50 0.00 2,638.59 0.00 84.64 0.00 14.21

15 > 7,500 10,000 8,750 139 14,995 0.90 97.19 947.16 19,515.82 3.42 70.41 7 36 17.50 90.00 43.76 2,682.35 1.40 86.04 4.62 13.74

16 > 10,000 20,000 15,000 224 15,219 1.45 98.65 2,171.40 21,687.21 7.83 78.25 0 36 0.00 90.00 0.00 2,682.35 0.00 86.04 0.00 12.37

17 > 20,000 50,000 35,000 126 15,345 0.82 99.46 1,478.54 23,165.75 5.33 83.58 0 36 0.00 90.00 0.00 2,682.35 0.00 86.04 0.00 11.58

18 > 50,000 100,000 75,000 42 15,387 0.27 99.73 653.48 23,819.23 2.36 85.94 2 38 5.00 95.00 18.01 2,700.36 0.58 86.62 2.76 11.34

19 > 100,000 500,000 300,000 25 15,412 0.16 99.90 353.56 24,172.79 1.28 87.21 2 40 5.00 100.00 417.03 3,117.38 13.38 100.00 117.95 12.90

20 > 500,000 16 15,428 0.10 100.00 3,544.02 27,716.81 12.79 100.00 0 40 0.00 100.00 0.00 3,117.38 0.00 100.00 0.00 11.25

T O T A L 15,428 27,716.81 40 3,117.38 11.25T O T A L 15,428 27,716.81 40 3,117.38 11.25

Page 190 of 204





1 0 50 25 1,522 1,522 20.51 20.51 468.73 468.73 4.64 4.64 2 2 10.00 10.00 39.50 39.50 5.00 5.00 8.43 8.43

2 > 50 100 75 947 2,469 12.76 33.28 178.07 646.81 1.76 6.40 8 10 40.00 50.00 265.85 305.35 33.67 38.67 149.29 47.21

3 > 100 200 150 1,255 3,724 16.92 50.20 468.28 1,115.09 4.63 11.04 1 11 5.00 55.00 0.00 305.35 0.00 38.67 0.00 27.38

4 > 200 300 250 873 4,597 11.77 61.96 597.50 1,712.58 5.91 16.95 2 13 10.00 65.00 126.29 431.64 15.99 54.66 21.14 25.20

5 > 300 500 400 999 5,596 13.47 75.43 1,153.25 2,865.83 11.41 28.36 3 16 15.00 80.00 204.62 636.26 25.91 80.57 17.74 22.20

6 > 500 750 625 526 6,122 7.09 82.52 917.38 3,783.21 9.08 37.44 0 16 0.00 80.00 0.00 636.26 0.00 80.57 0.00 16.82

7 > 750 1,000 875 290 6,412 3.91 86.43 796.87 4,580.08 7.89 45.33 2 18 10.00 90.00 120.39 756.66 15.25 95.82 15.11 16.52

8 > 1,000 1,500 1,250 271 6,683 3.65 90.08 917.02 5,497.10 9.08 54.41 0 18 0.00 90.00 0.00 756.66 0.00 95.82 0.00 13.76


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

8 > 1,000 1,500 1,250 271 6,683 3.65 90.08 917.02 5,497.10 9.08 54.41 0 18 0.00 90.00 0.00 756.66 0.00 95.82 0.00 13.76

9 > 1,500 2,000 1,750 191 6,874 2.57 92.65 658.25 6,155.35 6.51 60.92 0 18 0.00 90.00 0.00 756.66 0.00 95.82 0.00 12.29

10 > 2,000 2,500 2,250 100 6,974 1.35 94.00 480.76 6,636.11 4.76 65.68 0 18 0.00 90.00 0.00 756.66 0.00 95.82 0.00 11.40

11 > 2,500 3,000 2,750 63 7,037 0.85 94.85 295.83 6,931.94 2.93 68.61 0 18 0.00 90.00 0.00 756.66 0.00 95.82 0.00 10.92

12 > 3,000 4,000 3,500 94 7,131 1.27 96.12 487.95 7,419.89 4.83 73.44 0 18 0.00 90.00 0.00 756.66 0.00 95.82 0.00 10.20

13 > 4,000 5,000 4,500 55 7,186 0.74 96.86 377.20 7,797.10 3.73 77.17 0 18 0.00 90.00 0.00 756.66 0.00 95.82 0.00 9.70

14 > 5,000 7,500 6,250 68 7,254 0.92 97.78 454.33 8,251.42 4.50 81.67 0 18 0.00 90.00 0.00 756.66 0.00 95.82 0.00 9.17

15 > 7,500 10,000 8,750 46 7,300 0.62 98.40 351.04 8,602.47 3.47 85.14 2 20 10.00 100.00 33.00 789.66 4.18 100.00 9.40 9.18

16 > 10,000 20,000 15,000 53 7,353 0.71 99.11 526.59 9,129.06 5.21 90.35 0 20 0.00 100.00 0.00 789.66 0.00 100.00 0.00 8.65

17 > 20,000 50,000 35,000 33 7,386 0.44 99.56 541.96 9,671.02 5.36 95.71 0 20 0.00 100.00 0.00 789.66 0.00 100.00 0.00 8.17

18 > 50,000 100,000 75,000 17 7,403 0.23 99.78 140.75 9,811.77 1.39 97.11 0 20 0.00 100.00 0.00 789.66 0.00 100.00 0.00 8.05

19 > 100,000 500,000 300,000 14 7,417 0.19 99.97 224.53 10,036.31 2.22 99.33 0 20 0.00 100.00 0.00 789.66 0.00 100.00 0.00 7.87

20 > 500,000 2 7,419 0.03 100.00 67.68 10,103.99 0.67 100.00 0 20 0.00 100.00 0.00 789.66 0.00 100.00 0.00 7.82

T O T A L 7,419 10,103.99 20 789.66 7.82T O T A L 7,419 10,103.99 20 789.66 7.82

Page 191 of 204





1 0 50 25 6,433 6,433 16.60 16.60 2,952.98 2,952.98 5.29 5.29 4 4 4.21 4.21 4.50 4.50 0.08 0.08 0.15 0.15

2 > 50 100 75 5,176 11,609 13.36 29.95 687.44 3,640.43 1.23 6.52 4 8 4.21 8.42 50.10 54.60 0.93 1.01 7.29 1.50

3 > 100 200 150 7,658 19,267 19.76 49.71 2,097.81 5,738.24 3.76 10.27 11 19 11.58 20.00 384.70 439.30 7.15 8.16 18.34 7.66

4 > 200 300 250 4,449 23,716 11.48 61.19 2,419.41 8,157.65 4.33 14.60 6 25 6.32 26.32 99.21 538.51 1.84 10.00 4.10 6.60

5 > 300 500 400 4,976 28,692 12.84 74.03 4,493.45 12,651.10 8.04 22.65 10 35 10.53 36.84 355.02 893.54 6.59 16.60 7.90 7.06

6 > 500 750 625 2,642 31,334 6.82 80.85 3,828.91 16,480.01 6.85 29.50 3 38 3.16 40.00 135.20 1,028.74 2.51 19.11 3.53 6.24

7 > 750 1,000 875 1,627 32,961 4.20 85.05 3,395.16 19,875.17 6.08 35.58 2 40 2.11 42.11 0.00 1,028.74 0.00 19.11 0.00 5.18

8 > 1,000 1,500 1,250 1,688 34,649 4.36 89.40 3,736.85 23,612.02 6.69 42.27 5 45 5.26 47.37 34.48 1,063.22 0.64 19.75 0.92 4.50


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

8 > 1,000 1,500 1,250 1,688 34,649 4.36 89.40 3,736.85 23,612.02 6.69 42.27 5 45 5.26 47.37 34.48 1,063.22 0.64 19.75 0.92 4.50

9 > 1,500 2,000 1,750 877 35,526 2.26 91.67 2,916.58 26,528.60 5.22 47.49 0 45 0.00 47.37 0.00 1,063.22 0.00 19.75 0.00 4.01

10 > 2,000 2,500 2,250 535 36,061 1.38 93.05 2,229.59 28,758.19 3.99 51.48 4 49 4.21 51.58 288.38 1,351.60 5.36 25.10 12.93 4.70

11 > 2,500 3,000 2,750 378 36,439 0.98 94.02 1,753.50 30,511.69 3.14 54.62 1 50 1.05 52.63 0.00 1,351.60 0.00 25.10 0.00 4.43

12 > 3,000 4,000 3,500 415 36,854 1.07 95.09 2,266.20 32,777.89 4.06 58.68 0 50 0.00 52.63 0.00 1,351.60 0.00 25.10 0.00 4.12

13 > 4,000 5,000 4,500 308 37,162 0.79 95.89 2,272.48 35,050.36 4.07 62.75 5 55 5.26 57.89 850.37 2,201.97 15.79 40.90 37.42 6.28

14 > 5,000 7,500 6,250 418 37,580 1.08 96.97 3,106.02 38,156.38 5.56 68.31 5 60 5.26 63.16 4.61 2,206.58 0.09 40.99 0.15 5.78

15 > 7,500 10,000 8,750 252 37,832 0.65 97.62 2,143.69 40,300.08 3.84 72.15 9 69 9.47 72.63 236.68 2,443.26 4.40 45.38 11.04 6.06

16 > 10,000 20,000 15,000 316 38,148 0.82 98.43 4,434.01 44,734.08 7.94 80.09 6 75 6.32 78.95 2,522.80 4,966.06 46.86 92.24 56.90 11.10

17 > 20,000 50,000 35,000 321 38,469 0.83 99.26 3,757.76 48,491.84 6.73 86.81 2 77 2.11 81.05 0.00 4,966.06 0.00 92.24 0.00 10.24

18 > 50,000 100,000 75,000 109 38,578 0.28 99.54 1,699.03 50,190.87 3.04 89.85 7 84 7.37 88.42 299.25 5,265.31 5.56 97.80 17.61 10.49

19 > 100,000 500,000 300,000 132 38,710 0.34 99.88 2,470.25 52,661.12 4.42 94.28 10 94 10.53 98.95 118.56 5,383.87 2.20 100.00 4.80 10.22

20 > 500,000 46 38,756 0.12 100.00 3,196.68 55,857.80 5.72 100.00 1 95 1.05 100.00 0.00 5,383.87 0.00 100.00 0.00 9.64

T O T A L 38,756 55,857.80 95 5,383.87 9.64T O T A L 38,756 55,857.80 95 5,383.87 9.64

Page 192 of 204





1 0 50 25 821 821 14.90 14.90 389.69 389.69 4.80 4.80 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 658 1,479 11.94 26.85 139.07 528.76 1.71 6.52 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 991 2,470 17.99 44.84 288.48 817.24 3.56 10.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 678 3,148 12.31 57.14 355.03 1,172.27 4.38 14.45 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 779 3,927 14.14 71.28 824.49 1,996.76 10.16 24.61 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 462 4,389 8.39 79.67 847.29 2,844.05 10.44 35.06 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 327 4,716 5.94 85.61 812.24 3,656.29 10.01 45.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 245 4,961 4.45 90.05 826.12 4,482.41 10.18 55.25 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

8 > 1,000 1,500 1,250 245 4,961 4.45 90.05 826.12 4,482.41 10.18 55.25 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 143 5,104 2.60 92.65 641.56 5,123.97 7.91 63.16 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 52 5,156 0.94 93.59 293.52 5,417.49 3.62 66.78 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 46 5,202 0.83 94.43 269.53 5,687.02 3.32 70.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 > 3,000 4,000 3,500 83 5,285 1.51 95.93 401.25 6,088.26 4.95 75.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 > 4,000 5,000 4,500 41 5,326 0.74 96.68 298.14 6,386.41 3.67 78.72 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 > 5,000 7,500 6,250 56 5,382 1.02 97.69 364.78 6,751.18 4.50 83.22 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 > 7,500 10,000 8,750 38 5,420 0.69 98.38 249.20 7,000.38 3.07 86.29 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 > 10,000 20,000 15,000 39 5,459 0.71 99.09 471.19 7,471.57 5.81 92.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 > 20,000 50,000 35,000 27 5,486 0.49 99.58 355.02 7,826.59 4.38 96.47 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 > 50,000 100,000 75,000 7 5,493 0.13 99.71 91.81 7,918.40 1.13 97.60 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 > 100,000 500,000 300,000 12 5,505 0.22 99.93 38.18 7,956.58 0.47 98.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 > 500,000 4 5,509 0.07 100.00 156.25 8,112.83 1.93 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

T O T A L 5,509 8,112.83 0 0.00 0.00T O T A L 5,509 8,112.83 0 0.00 0.00

Page 193 of 204





1 0 50 25 5,429 5,429 14.94 14.94 7,683.74 7,683.74 9.58 9.58 8 8 2.73 2.73 33.41 33.41 0.22 0.22 0.43 0.43

2 > 50 100 75 3,503 8,932 9.64 24.57 543.24 8,226.97 0.68 10.26 14 22 4.78 7.51 454.26 487.67 3.00 3.22 83.62 5.93

3 > 100 200 150 5,107 14,039 14.05 38.62 1,389.88 9,616.86 1.73 11.99 23 45 7.85 15.36 389.19 876.86 2.57 5.80 28.00 9.12

4 > 200 300 250 3,019 17,058 8.31 46.93 1,411.22 11,028.08 1.76 13.75 9 54 3.07 18.43 321.31 1,198.16 2.12 7.92 22.77 10.86

5 > 300 500 400 3,958 21,016 10.89 57.82 3,281.52 14,309.60 4.09 17.84 16 70 5.46 23.89 530.88 1,729.04 3.51 11.43 16.18 12.08

6 > 500 750 625 2,656 23,672 7.31 65.13 3,050.33 17,359.93 3.80 21.64 0 70 0.00 23.89 0.00 1,729.04 0.00 11.43 0.00 9.96

7 > 750 1,000 875 2,462 26,134 6.77 71.90 3,836.43 21,196.36 4.78 26.42 15 85 5.12 29.01 1,382.24 3,111.29 9.14 20.57 36.03 14.68

8 > 1,000 1,500 1,250 2,398 28,532 6.60 78.50 5,085.67 26,282.03 6.34 32.76 13 98 4.44 33.45 337.12 3,448.40 2.23 22.79 6.63 13.12


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

8 > 1,000 1,500 1,250 2,398 28,532 6.60 78.50 5,085.67 26,282.03 6.34 32.76 13 98 4.44 33.45 337.12 3,448.40 2.23 22.79 6.63 13.12

9 > 1,500 2,000 1,750 1,564 30,096 4.30 82.80 4,684.71 30,966.73 5.84 38.60 12 110 4.10 37.54 286.03 3,734.43 1.89 24.68 6.11 12.06

10 > 2,000 2,500 2,250 1,062 31,158 2.92 85.72 3,960.69 34,927.42 4.94 43.54 12 122 4.10 41.64 1,191.78 4,926.21 7.88 32.56 30.09 14.10

11 > 2,500 3,000 2,750 740 31,898 2.04 87.76 3,404.80 38,332.22 4.24 47.78 10 132 3.41 45.05 115.49 5,041.71 0.76 33.32 3.39 13.15

12 > 3,000 4,000 3,500 916 32,814 2.52 90.28 4,680.14 43,012.36 5.83 53.62 11 143 3.75 48.81 350.50 5,392.21 2.32 35.64 7.49 12.54

13 > 4,000 5,000 4,500 547 33,361 1.50 91.78 3,407.00 46,419.36 4.25 57.86 11 154 3.75 52.56 95.45 5,487.66 0.63 36.27 2.80 11.82

14 > 5,000 7,500 6,250 804 34,165 2.21 94.00 5,804.48 52,223.84 7.24 65.10 31 185 10.58 63.14 488.77 5,976.43 3.23 39.50 8.42 11.44

15 > 7,500 10,000 8,750 460 34,625 1.27 95.26 3,981.56 56,205.40 4.96 70.06 19 204 6.48 69.62 1,190.82 7,167.25 7.87 47.37 29.91 12.75

16 > 10,000 20,000 15,000 651 35,276 1.79 97.05 7,845.58 64,050.98 9.78 79.84 26 230 8.87 78.50 6,329.49 13,496.74 41.84 89.21 80.68 21.07

17 > 20,000 50,000 35,000 477 35,753 1.31 98.37 6,779.21 70,830.19 8.45 88.29 23 253 7.85 86.35 687.19 14,183.93 4.54 93.75 10.14 20.03

18 > 50,000 100,000 75,000 188 35,941 0.52 98.88 2,577.98 73,408.18 3.21 91.51 10 263 3.41 89.76 710.26 14,894.19 4.69 98.45 27.55 20.29

19 > 100,000 500,000 300,000 209 36,150 0.58 99.46 2,386.49 75,794.66 2.97 94.48 22 285 7.51 97.27 197.11 15,091.30 1.30 99.75 8.26 19.91

20 > 500,000 197 36,347 0.54 100.00 4,426.33 80,220.99 5.52 100.00 8 293 2.73 100.00 37.61 15,128.91 0.25 100.00 0.85 18.86

T O T A L 36,347 80,220.99 293 15,128.91 18.86T O T A L 36,347 80,220.99 293 15,128.91 18.86

Page 194 of 204





1 0 50 25 1,140 1,140 12.45 12.45 378.94 378.94 2.84 2.84 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 1,476 2,616 16.12 28.57 255.25 634.20 1.91 4.75 2 2 8.00 8.00 51.33 51.33 1.17 1.17 20.11 8.09

3 > 100 200 150 1,645 4,261 17.96 46.53 485.22 1,119.42 3.63 8.38 0 2 0.00 8.00 0.00 51.33 0.00 1.17 0.00 4.59

4 > 200 300 250 1,005 5,266 10.97 57.50 719.69 1,839.10 5.39 13.78 3 5 12.00 20.00 16.72 68.05 0.38 1.55 2.32 3.70

5 > 300 500 400 1,120 6,386 12.23 69.73 604.44 2,443.54 4.53 18.30 4 9 16.00 36.00 300.00 368.05 6.84 8.39 49.63 15.06

6 > 500 750 625 621 7,007 6.78 76.51 836.26 3,279.80 6.26 24.57 2 11 8.00 44.00 360.00 728.05 8.20 16.59 43.05 22.20

7 > 750 1,000 875 422 7,429 4.61 81.12 760.85 4,040.66 5.70 30.27 2 13 8.00 52.00 400.00 1,128.05 9.12 25.71 52.57 27.92

8 > 1,000 1,500 1,250 414 7,843 4.52 85.64 919.82 4,960.48 6.89 37.15 0 13 0.00 52.00 0.00 1,128.05 0.00 25.71 0.00 22.74

LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES



RP f


8 > 1,000 1,500 1,250 414 7,843 4.52 85.64 919.82 4,960.48 6.89 37.15 0 13 0.00 52.00 0.00 1,128.05 0.00 25.71 0.00 22.74

9 > 1,500 2,000 1,750 281 8,124 3.07 88.71 967.82 5,928.30 7.25 44.40 4 17 16.00 68.00 200.06 1,328.10 4.56 30.27 20.67 22.40

10 > 2,000 2,500 2,250 144 8,268 1.57 90.28 518.66 6,446.96 3.88 48.29 0 17 0.00 68.00 0.00 1,328.10 0.00 30.27 0.00 20.60

11 > 2,500 3,000 2,750 146 8,414 1.59 91.88 577.94 7,024.90 4.33 52.62 0 17 0.00 68.00 0.00 1,328.10 0.00 30.27 0.00 18.91

12 > 3,000 4,000 3,500 152 8,566 1.66 93.54 637.66 7,662.56 4.78 57.39 0 17 0.00 68.00 0.00 1,328.10 0.00 30.27 0.00 17.33

13 > 4,000 5,000 4,500 103 8,669 1.12 94.66 625.67 8,288.23 4.69 62.08 0 17 0.00 68.00 0.00 1,328.10 0.00 30.27 0.00 16.02

14 > 5,000 7,500 6,250 155 8,824 1.69 96.35 1,072.45 9,360.68 8.03 70.11 2 19 8.00 76.00 3,050.91 4,379.02 69.53 99.80 284.48 46.78

15 > 7,500 10,000 8,750 76 8,900 0.83 97.18 552.17 9,912.85 4.14 74.25 0 19 0.00 76.00 0.00 4,379.02 0.00 99.80 0.00 44.18

16 > 10,000 20,000 15,000 110 9,010 1.20 98.38 1,204.02 11,116.87 9.02 83.27 0 19 0.00 76.00 0.00 4,379.02 0.00 99.80 0.00 39.39

17 > 20,000 50,000 35,000 73 9,083 0.80 99.18 861.83 11,978.71 6.46 89.72 3 22 12.00 88.00 8.02 4,387.04 0.18 99.98 0.93 36.62

18 > 50,000 100,000 75,000 38 9,121 0.41 99.60 640.50 12,619.21 4.80 94.52 2 24 8.00 96.00 0.85 4,387.89 0.02 100.00 0.13 34.77

19 > 100,000 500,000 300,000 33 9,154 0.36 99.96 596.73 13,215.94 4.47 98.99 1 25 4.00 100.00 0.00 4,387.89 0.00 100.00 0.00 33.20

20 > 500,000 4 9,158 0.04 100.00 134.88 13,350.82 1.01 100.00 0 25 0.00 100.00 0.00 4,387.89 0.00 100.00 0.00 32.87

T O T A L 9,158 13,350.82 25 4,387.89 32.87T O T A L 9,158 13,350.82 25 4,387.89 32.87

Page 195 of 204





1 0 50 25 636 636 9.93 9.93 345.15 345.15 2.81 2.81 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 1,071 1,707 16.73 26.66 200.00 545.16 1.63 4.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 1,084 2,791 16.93 43.59 579.59 1,124.75 4.71 9.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 688 3,479 10.74 54.33 534.83 1,659.58 4.35 13.49 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 940 4,419 14.68 69.01 1,107.33 2,766.91 9.00 22.50 2 2 33.33 33.33 390.28 390.28 41.80 41.80 35.25 14.11

6 > 500 750 625 424 4,843 6.62 75.64 860.39 3,627.30 7.00 29.49 3 5 50.00 83.33 543.48 933.75 58.20 100.00 63.17 25.74

7 > 750 1,000 875 381 5,224 5.95 81.59 1,032.71 4,660.01 8.40 37.89 0 5 0.00 83.33 0.00 933.75 0.00 100.00 0.00 20.04

8 > 1,000 1,500 1,250 377 5,601 5.89 87.47 1,499.74 6,159.75 12.19 50.08 1 6 16.67 100.00 0.00 933.75 0.00 100.00 0.00 15.16


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

8 > 1,000 1,500 1,250 377 5,601 5.89 87.47 1,499.74 6,159.75 12.19 50.08 1 6 16.67 100.00 0.00 933.75 0.00 100.00 0.00 15.16

9 > 1,500 2,000 1,750 180 5,781 2.81 90.29 1,058.12 7,217.87 8.60 58.68 0 6 0.00 100.00 0.00 933.75 0.00 100.00 0.00 12.94

10 > 2,000 2,500 2,250 143 5,924 2.23 92.52 1,234.39 8,452.26 10.04 68.72 0 6 0.00 100.00 0.00 933.75 0.00 100.00 0.00 11.05

11 > 2,500 3,000 2,750 102 6,026 1.59 94.11 533.35 8,985.60 4.34 73.06 0 6 0.00 100.00 0.00 933.75 0.00 100.00 0.00 10.39

12 > 3,000 4,000 3,500 108 6,134 1.69 95.80 683.97 9,669.57 5.56 78.62 0 6 0.00 100.00 0.00 933.75 0.00 100.00 0.00 9.66

13 > 4,000 5,000 4,500 51 6,185 0.80 96.60 460.09 10,129.66 3.74 82.36 0 6 0.00 100.00 0.00 933.75 0.00 100.00 0.00 9.22

14 > 5,000 7,500 6,250 92 6,277 1.44 98.03 679.25 10,808.91 5.52 87.88 0 6 0.00 100.00 0.00 933.75 0.00 100.00 0.00 8.64

15 > 7,500 10,000 8,750 33 6,310 0.52 98.55 260.90 11,069.81 2.12 90.00 0 6 0.00 100.00 0.00 933.75 0.00 100.00 0.00 8.44

16 > 10,000 20,000 15,000 49 6,359 0.77 99.31 582.69 11,652.50 4.74 94.74 0 6 0.00 100.00 0.00 933.75 0.00 100.00 0.00 8.01

17 > 20,000 50,000 35,000 22 6,381 0.34 99.66 448.52 12,101.02 3.65 98.39 0 6 0.00 100.00 0.00 933.75 0.00 100.00 0.00 7.72

18 > 50,000 100,000 75,000 11 6,392 0.17 99.83 93.95 12,194.97 0.76 99.15 0 6 0.00 100.00 0.00 933.75 0.00 100.00 0.00 7.66

19 > 100,000 500,000 300,000 10 6,402 0.16 99.98 103.71 12,298.68 0.84 99.99 0 6 0.00 100.00 0.00 933.75 0.00 100.00 0.00 7.59

20 > 500,000 1 6,403 0.02 100.00 0.72 12,299.40 0.01 100.00 0 6 0.00 100.00 0.00 933.75 0.00 100.00 0.00 7.59

T O T A L 6,403 12,299.40 6 933.75 7.59T O T A L 6,403 12,299.40 6 933.75 7.59

Page 196 of 204





1 0 50 25 494 494 12.11 12.11 326.13 326.13 3.74 3.74 4 4 36.36 36.36 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 438 932 10.74 22.84 100.27 426.40 1.15 4.90 2 6 18.18 54.55 40.00 40.00 58.34 58.34 39.89 9.38

3 > 100 200 150 756 1,688 18.53 41.37 267.38 693.78 3.07 7.97 0 6 0.00 54.55 0.00 40.00 0.00 58.34 0.00 5.77

4 > 200 300 250 469 2,157 11.50 52.87 345.03 1,038.81 3.96 11.93 0 6 0.00 54.55 0.00 40.00 0.00 58.34 0.00 3.85

5 > 300 500 400 515 2,672 12.62 65.49 576.54 1,615.35 6.62 18.55 0 6 0.00 54.55 0.00 40.00 0.00 58.34 0.00 2.48

6 > 500 750 625 340 3,012 8.33 73.82 626.48 2,241.83 7.19 25.74 0 6 0.00 54.55 0.00 40.00 0.00 58.34 0.00 1.78

7 > 750 1,000 875 231 3,243 5.66 79.49 642.60 2,884.43 7.38 33.12 0 6 0.00 54.55 0.00 40.00 0.00 58.34 0.00 1.39

8 > 1,000 1,500 1,250 204 3,447 5.00 84.49 736.58 3,621.01 8.46 41.58 0 6 0.00 54.55 0.00 40.00 0.00 58.34 0.00 1.10


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

8 > 1,000 1,500 1,250 204 3,447 5.00 84.49 736.58 3,621.01 8.46 41.58 0 6 0.00 54.55 0.00 40.00 0.00 58.34 0.00 1.10

9 > 1,500 2,000 1,750 120 3,567 2.94 87.43 592.06 4,213.06 6.80 48.38 0 6 0.00 54.55 0.00 40.00 0.00 58.34 0.00 0.95

10 > 2,000 2,500 2,250 85 3,652 2.08 89.51 513.19 4,726.25 5.89 54.27 0 6 0.00 54.55 0.00 40.00 0.00 58.34 0.00 0.85

11 > 2,500 3,000 2,750 71 3,723 1.74 91.25 390.34 5,116.60 4.48 58.75 0 6 0.00 54.55 0.00 40.00 0.00 58.34 0.00 0.78

12 > 3,000 4,000 3,500 57 3,780 1.40 92.65 391.60 5,508.20 4.50 63.25 0 6 0.00 54.55 0.00 40.00 0.00 58.34 0.00 0.73

13 > 4,000 5,000 4,500 52 3,832 1.27 93.92 852.46 6,360.66 9.79 73.04 0 6 0.00 54.55 0.00 40.00 0.00 58.34 0.00 0.63

14 > 5,000 7,500 6,250 64 3,896 1.57 95.49 429.30 6,789.96 4.93 77.97 0 6 0.00 54.55 0.00 40.00 0.00 58.34 0.00 0.59

15 > 7,500 10,000 8,750 28 3,924 0.69 96.18 262.48 7,052.44 3.01 80.98 0 6 0.00 54.55 0.00 40.00 0.00 58.34 0.00 0.57

16 > 10,000 20,000 15,000 60 3,984 1.47 97.65 653.06 7,705.49 7.50 88.48 2 8 18.18 72.73 25.19 65.19 36.74 95.08 3.86 0.85

17 > 20,000 50,000 35,000 69 4,053 1.69 99.34 662.88 8,368.38 7.61 96.10 0 8 0.00 72.73 0.00 65.19 0.00 95.08 0.00 0.78

18 > 50,000 100,000 75,000 10 4,063 0.25 99.58 126.92 8,495.30 1.46 97.55 0 8 0.00 72.73 0.00 65.19 0.00 95.08 0.00 0.77

19 > 100,000 500,000 300,000 17 4,080 0.42 100.00 213.07 8,708.37 2.45 100.00 3 11 27.27 100.00 3.38 68.57 4.92 100.00 1.58 0.79

20 > 500,000 0 4,080 0.00 100.00 0.00 8,708.37 0.00 100.00 0 11 0.00 100.00 0.00 68.57 0.00 100.00 0.00 0.79

T O T A L 4,080 8,708.37 11 68.57 0.79T O T A L 4,080 8,708.37 11 68.57 0.79

Page 197 of 204





1 0 50 25 988 988 11.91 11.91 750.11 750.11 4.06 4.06 2 2 5.56 5.56 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 725 1,713 8.74 20.64 186.15 936.27 1.01 5.06 8 10 22.22 27.78 214.09 214.09 3.87 3.87 115.01 22.87

3 > 100 200 150 1,316 3,029 15.86 36.50 539.57 1,475.84 2.92 7.98 5 15 13.89 41.67 275.19 489.29 4.97 8.84 51.00 33.15

4 > 200 300 250 1,014 4,043 12.22 48.72 615.16 2,091.00 3.33 11.31 0 15 0.00 41.67 0.00 489.29 0.00 8.84 0.00 23.40

5 > 300 500 400 1,278 5,321 15.40 64.12 1,503.98 3,594.98 8.13 19.44 4 19 11.11 52.78 287.11 776.40 5.19 14.03 19.09 21.60

6 > 500 750 625 759 6,080 9.15 73.27 1,531.28 5,126.26 8.28 27.73 4 23 11.11 63.89 252.75 1,029.15 4.57 18.60 16.51 20.08

7 > 750 1,000 875 560 6,640 6.75 80.02 1,731.96 6,858.22 9.37 37.10 0 23 0.00 63.89 0.00 1,029.15 0.00 18.60 0.00 15.01

8 > 1,000 1,500 1,250 483 7,123 5.82 85.84 1,617.59 8,475.82 8.75 45.84 0 23 0.00 63.89 0.00 1,029.15 0.00 18.60 0.00 12.14


RPPERCENTAGE

rp RPBAND

rp


LOSS RATIO

f

CLAIM SEVERITY (in million Rupiah)PERCENTAGE PERCENTAGE(in million) Mid Points PERCENTAGE

NUMBER OF POLICIES

f F F

8 > 1,000 1,500 1,250 483 7,123 5.82 85.84 1,617.59 8,475.82 8.75 45.84 0 23 0.00 63.89 0.00 1,029.15 0.00 18.60 0.00 12.14

9 > 1,500 2,000 1,750 287 7,410 3.46 89.30 1,251.96 9,727.78 6.77 52.62 0 23 0.00 63.89 0.00 1,029.15 0.00 18.60 0.00 10.58

10 > 2,000 2,500 2,250 167 7,577 2.01 91.31 864.40 10,592.18 4.68 57.29 6 29 16.67 80.56 2,395.24 3,424.39 43.29 61.89 277.10 32.33

11 > 2,500 3,000 2,750 134 7,711 1.61 92.93 938.46 11,530.64 5.08 62.37 2 31 5.56 86.11 7.50 3,431.89 0.14 62.02 0.80 29.76

12 > 3,000 4,000 3,500 140 7,851 1.69 94.61 1,202.33 12,732.98 6.50 68.87 0 31 0.00 86.11 0.00 3,431.89 0.00 62.02 0.00 26.95

13 > 4,000 5,000 4,500 101 7,952 1.22 95.83 875.19 13,608.17 4.73 73.60 0 31 0.00 86.11 0.00 3,431.89 0.00 62.02 0.00 25.22

14 > 5,000 7,500 6,250 102 8,054 1.23 97.06 792.30 14,400.46 4.29 77.89 0 31 0.00 86.11 0.00 3,431.89 0.00 62.02 0.00 23.83

15 > 7,500 10,000 8,750 50 8,104 0.60 97.66 582.95 14,983.42 3.15 81.04 0 31 0.00 86.11 0.00 3,431.89 0.00 62.02 0.00 22.90

16 > 10,000 20,000 15,000 83 8,187 1.00 98.66 1,343.26 16,326.67 7.27 88.31 0 31 0.00 86.11 0.00 3,431.89 0.00 62.02 0.00 21.02

17 > 20,000 50,000 35,000 70 8,257 0.84 99.51 1,380.83 17,707.50 7.47 95.78 5 36 13.89 100.00 2,101.41 5,533.30 37.98 100.00 152.19 31.25

18 > 50,000 100,000 75,000 22 8,279 0.27 99.77 428.94 18,136.44 2.32 98.10 0 36 0.00 100.00 0.00 5,533.30 0.00 100.00 0.00 30.51

19 > 100,000 500,000 300,000 14 8,293 0.17 99.94 318.62 18,455.06 1.72 99.82 0 36 0.00 100.00 0.00 5,533.30 0.00 100.00 0.00 29.98

20 > 500,000 5 8,298 0.06 100.00 33.08 18,488.13 0.18 100.00 0 36 0.00 100.00 0.00 5,533.30 0.00 100.00 0.00 29.93

T O T A L 8,298 18,488.13 36 5,533.30 29.93T O T A L 8,298 18,488.13 36 5,533.30 29.93

Page 198 of 204





1 0 50 25 80 80 9.25 9.25 140.50 140.50 6.68 6.68 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 76 156 8.79 18.03 16.74 157.24 0.80 7.48 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 134 290 15.49 33.53 52.33 209.58 2.49 9.97 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 100 390 11.56 45.09 100.39 309.96 4.77 14.74 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 116 506 13.41 58.50 115.33 425.29 5.48 20.23 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 76 582 8.79 67.28 166.34 591.63 7.91 28.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 75 657 8.67 75.95 189.38 781.01 9.01 37.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 53 710 6.13 82.08 199.96 980.97 9.51 46.65 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANDrp

NUMBER OF POLICIES


SUM INSURED CLAIM SEVERITY (in million Rupiah)(in million) PERCENTAGE


LOSS RATIO


rp RP

8 > 1,000 1,500 1,250 53 710 6.13 82.08 199.96 980.97 9.51 46.65 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 45 755 5.20 87.28 206.56 1,187.53 9.82 56.48 2 2 100.00 100.00 287.16 287.16 100.00 100.00 139.02 24.18

10 > 2,000 2,500 2,250 25 780 2.89 90.17 102.41 1,289.94 4.87 61.35 0 2 0.00 100.00 0.00 287.16 0.00 100.00 0.00 22.26

11 > 2,500 3,000 2,750 19 799 2.20 92.37 123.90 1,413.84 5.89 67.24 0 2 0.00 100.00 0.00 287.16 0.00 100.00 0.00 20.31

12 > 3,000 4,000 3,500 11 810 1.27 93.64 77.19 1,491.03 3.67 70.91 0 2 0.00 100.00 0.00 287.16 0.00 100.00 0.00 19.26

13 > 4,000 5,000 4,500 19 829 2.20 95.84 174.33 1,665.36 8.29 79.20 0 2 0.00 100.00 0.00 287.16 0.00 100.00 0.00 17.24

14 > 5,000 7,500 6,250 13 842 1.50 97.34 116.27 1,781.62 5.53 84.73 0 2 0.00 100.00 0.00 287.16 0.00 100.00 0.00 16.12

15 > 7,500 10,000 8,750 3 845 0.35 97.69 14.68 1,796.30 0.70 85.43 0 2 0.00 100.00 0.00 287.16 0.00 100.00 0.00 15.99

16 > 10,000 20,000 15,000 10 855 1.16 98.84 87.06 1,883.36 4.14 89.57 0 2 0.00 100.00 0.00 287.16 0.00 100.00 0.00 15.25

17 > 20,000 50,000 35,000 7 862 0.81 99.65 180.86 2,064.22 8.60 98.17 0 2 0.00 100.00 0.00 287.16 0.00 100.00 0.00 13.91

18 > 50,000 100,000 75,000 1 863 0.12 99.77 0.20 2,064.42 0.01 98.18 0 2 0.00 100.00 0.00 287.16 0.00 100.00 0.00 13.91

19 > 100,000 500,000 300,000 1 864 0.12 99.88 38.00 2,102.42 1.81 99.99 0 2 0.00 100.00 0.00 287.16 0.00 100.00 0.00 13.66

20 > 500,000 1 865 0.12 100.00 0.31 2,102.73 0.01 100.00 0 2 0.00 100.00 0.00 287.16 0.00 100.00 0.00 13.66

T O T A L 865 2,102.73 2 287.16 13.66T O T A L 865 2,102.73 2 287.16 13.66

Page 199 of 204





1 0 50 25 174 174 6.24 6.24 228.63 228.63 4.11 4.11 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 235 409 8.43 14.68 35.76 264.39 0.64 4.76 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 624 1,033 22.39 37.06 167.23 431.62 3.01 7.76 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 389 1,422 13.96 51.02 193.81 625.42 3.49 11.25 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 465 1,887 16.68 67.71 417.90 1,043.33 7.52 18.77 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 218 2,105 7.82 75.53 335.71 1,379.04 6.04 24.81 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 215 2,320 7.71 83.24 541.97 1,921.02 9.75 34.56 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 133 2,453 4.77 88.02 473.95 2,394.97 8.53 43.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

RPBAND

rp


NUMBER OF POLICIES




RP f FPERCENTAGE

rpPERCENTAGE

8 > 1,000 1,500 1,250 133 2,453 4.77 88.02 473.95 2,394.97 8.53 43.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 81 2,534 2.91 90.92 492.14 2,887.11 8.85 51.93 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 58 2,592 2.08 93.00 335.06 3,222.17 6.03 57.96 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 30 2,622 1.08 94.08 202.19 3,424.36 3.64 61.60 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 > 3,000 4,000 3,500 44 2,666 1.58 95.66 373.67 3,798.03 6.72 68.32 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 > 4,000 5,000 4,500 21 2,687 0.75 96.41 268.36 4,066.39 4.83 73.15 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 > 5,000 7,500 6,250 29 2,716 1.04 97.45 263.99 4,330.38 4.75 77.90 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 > 7,500 10,000 8,750 18 2,734 0.65 98.10 204.44 4,534.82 3.68 81.57 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 > 10,000 20,000 15,000 34 2,768 1.22 99.32 675.63 5,210.46 12.15 93.73 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 > 20,000 50,000 35,000 10 2,778 0.36 99.68 163.18 5,373.63 2.94 96.66 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 > 50,000 100,000 75,000 6 2,784 0.22 99.89 108.78 5,482.41 1.96 98.62 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 > 100,000 500,000 300,000 3 2,787 0.11 100.00 76.76 5,559.17 1.38 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 > 500,000 0 2,787 0.00 100.00 0.00 5,559.17 0.00 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

T O T A L 2,787 5,559.17 0 0.00 0.00T O T A L 2,787 5,559.17 0 0.00 0.00

Page 200 of 204




1 0 50 25 9,552 9,552 16.19 16.19 12,197.07 12,197.07 8.70 8.70 41 41 9.01 9.01 202.14 202.14 0.12 0.12 1.66 1.66

2 > 50 100 75 5,513 15,065 9.35 25.54 847.35 13,044.41 0.60 9.31 12 53 2.64 11.65 123.22 325.36 0.07 0.19 14.54 2.49

3 > 100 200 150 8,606 23,671 14.59 40.13 1,898.77 14,943.19 1.35 10.66 13 66 2.86 14.51 250.39 575.75 0.14 0.33 13.19 3.85

4 > 200 300 250 6,131 29,802 10.39 50.52 2,189.66 17,132.85 1.56 12.22 22 88 4.84 19.34 569.63 1,145.38 0.33 0.66 26.01 6.69

5 > 300 500 400 7,199 37,001 12.20 62.72 4,521.14 21,653.99 3.23 15.45 16 104 3.52 22.86 658.16 1,803.54 0.38 1.04 14.56 8.33

6 > 500 750 625 4,462 41,463 7.56 70.29 4,329.23 25,983.23 3.09 18.54 8 112 1.76 24.62 564.69 2,368.23 0.33 1.37 13.04 9.11


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

6 > 500 750 625 4,462 41,463 7.56 70.29 4,329.23 25,983.23 3.09 18.54 8 112 1.76 24.62 564.69 2,368.23 0.33 1.37 13.04 9.11

7 > 750 1,000 875 3,557 45,020 6.03 76.32 4,472.24 30,455.47 3.19 21.73 39 151 8.57 33.19 2,420.04 4,788.27 1.40 2.77 54.11 15.72

8 > 1,000 1,500 1,250 3,091 48,111 5.24 81.56 5,346.85 35,802.32 3.81 25.54 7 158 1.54 34.73 59.85 4,848.13 0.03 2.80 1.12 13.54

9 > 1,500 2,000 1,750 1,605 49,716 2.72 84.28 4,187.32 39,989.65 2.99 28.53 5 163 1.10 35.82 194.18 5,042.31 0.11 2.91 4.64 12.61

10 > 2,000 2,500 2,250 878 50,594 1.49 85.77 3,392.67 43,382.31 2.42 30.95 8 171 1.76 37.58 46.05 5,088.35 0.03 2.94 1.36 11.73

11 > 2,500 3,000 2,750 744 51,338 1.26 87.03 2,928.50 46,310.81 2.09 33.04 8 179 1.76 39.34 415.77 5,504.12 0.24 3.18 14.20 11.89

12 > 3,000 4,000 3,500 1,030 52,368 1.75 88.77 4,722.55 51,033.36 3.37 36.41 7 186 1.54 40.88 340.10 5,844.22 0.20 3.38 7.20 11.45

13 > 4,000 5,000 4,500 665 53,033 1.13 89.90 4,600.38 55,633.73 3.28 39.69 22 208 4.84 45.71 4,982.11 10,826.33 2.88 6.25 108.30 19.46

14 > 5,000 7,500 6,250 1,073 54,106 1.82 91.72 7,927.84 63,561.58 5.66 45.35 5 213 1.10 46.81 101.89 10,928.22 0.06 6.31 1.29 17.19

15 > 7,500 10,000 8,750 683 54,789 1.16 92.88 8,722.11 72,283.69 6.22 51.57 23 236 5.05 51.87 65.12 10,993.34 0.04 6.35 0.75 15.21

16 > 10,000 20,000 15,000 1,191 55,980 2.02 94.90 14,417.12 86,700.80 10.29 61.86 45 281 9.89 61.76 3,373.60 14,366.94 1.95 8.30 23.40 16.57

17 > 20,000 50,000 35,000 1,201 57,181 2.04 96.93 26,981.35 113,682.15 19.25 81.11 49 330 10.77 72.53 38,335.00 52,701.94 22.14 30.44 142.08 46.36

18 > 50,000 100,000 75,000 687 57,868 1.16 98.10 10,048.24 123,730.39 7.17 88.28 48 378 10.55 83.08 9,956.73 62,658.67 5.75 36.20 99.09 50.64

19 > 100,000 500,000 300,000 822 58,690 1.39 99.49 11,258.47 134,988.86 8.03 96.31 39 417 8.57 91.65 75,455.08 138,113.75 43.59 79.78 670.21 102.3119 > 100,000 500,000 300,000 822 58,690 1.39 99.49 11,258.47 134,988.86 8.03 96.31 39 417 8.57 91.65 75,455.08 138,113.75 43.59 79.78 670.21 102.31

20 > 500,000 300 58,990 0.51 100.00 5,175.01 140,163.86 3.69 100.00 38 455 8.35 100.00 34,999.27 173,113.02 20.22 100.00 676.31 123.51

T O T A L 58,990 140,163.86 455 173,113.02 123.51

Page 201 of 204





1 0 50 25 587 587 15.42 15.42 319.93 319.93 5.44 5.44 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 358 945 9.40 24.82 85.89 405.82 1.46 6.90 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 697 1,642 18.31 43.13 167.81 573.63 2.85 9.75 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 464 2,106 12.19 55.32 201.05 774.67 3.42 13.16 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 505 2,611 13.27 68.58 311.20 1,085.87 5.29 18.45 2 2 5.41 5.41 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 283 2,894 7.43 76.02 322.28 1,408.15 5.48 23.93 3 5 8.11 13.51 100.63 100.63 9.87 9.87 31.23 7.15

7 > 750 1,000 875 211 3,105 5.54 81.56 358.51 1,766.66 6.09 30.02 3 8 8.11 21.62 805.06 905.69 78.97 88.84 224.56 51.27

8 > 1,000 1,500 1,250 130 3,235 3.41 84.98 264.31 2,030.96 4.49 34.51 3 11 8.11 29.73 1.05 906.74 0.10 88.95 0.40 44.65


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

8 > 1,000 1,500 1,250 130 3,235 3.41 84.98 264.31 2,030.96 4.49 34.51 3 11 8.11 29.73 1.05 906.74 0.10 88.95 0.40 44.65

9 > 1,500 2,000 1,750 101 3,336 2.65 87.63 269.56 2,300.52 4.58 39.09 0 11 0.00 29.73 0.00 906.74 0.00 88.95 0.00 39.41

10 > 2,000 2,500 2,250 58 3,394 1.52 89.15 265.46 2,565.97 4.51 43.60 6 17 16.22 45.95 0.44 907.19 0.04 88.99 0.17 35.35

11 > 2,500 3,000 2,750 44 3,438 1.16 90.31 203.00 2,768.98 3.45 47.05 2 19 5.41 51.35 17.53 924.71 1.72 90.71 8.63 33.40

12 > 3,000 4,000 3,500 42 3,480 1.10 91.41 157.60 2,926.58 2.68 49.73 2 21 5.41 56.76 1.12 925.83 0.11 90.82 0.71 31.64

13 > 4,000 5,000 4,500 27 3,507 0.71 92.12 326.64 3,253.22 5.55 55.28 0 21 0.00 56.76 0.00 925.83 0.00 90.82 0.00 28.46

14 > 5,000 7,500 6,250 35 3,542 0.92 93.04 208.81 3,462.03 3.55 58.83 0 21 0.00 56.76 0.00 925.83 0.00 90.82 0.00 26.74

15 > 7,500 10,000 8,750 37 3,579 0.97 94.01 178.27 3,640.30 3.03 61.85 0 21 0.00 56.76 0.00 925.83 0.00 90.82 0.00 25.43

16 > 10,000 20,000 15,000 50 3,629 1.31 95.32 563.10 4,203.40 9.57 71.42 0 21 0.00 56.76 0.00 925.83 0.00 90.82 0.00 22.03

17 > 20,000 50,000 35,000 78 3,707 2.05 97.37 633.59 4,836.99 10.77 82.19 8 29 21.62 78.38 47.84 973.67 4.69 95.51 7.55 20.13

18 > 50,000 100,000 75,000 52 3,759 1.37 98.74 405.42 5,242.42 6.89 89.08 8 37 21.62 100.00 45.75 1,019.42 4.49 100.00 11.28 19.45

19 > 100,000 500,000 300,000 48 3,807 1.26 100.00 642.83 5,885.25 10.92 100.00 0 37 0.00 100.00 0.00 1,019.42 0.00 100.00 0.00 17.32

20 > 500,000 0 3,807 0.00 100.00 0.00 5,885.25 0.00 100.00 0 37 0.00 100.00 0.00 1,019.42 0.00 100.00 0.00 17.32

T O T A L 3,807 5,885.25 37 1,019.42 17.32T O T A L 3,807 5,885.25 37 1,019.42 17.32

Page 202 of 204





1 0 50 25 426 426 15.81 15.81 199.59 199.59 5.64 5.64 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 342 768 12.69 28.50 35.12 234.71 0.99 6.64 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 461 1,229 17.11 45.60 123.57 358.28 3.49 10.13 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 386 1,615 14.32 59.93 142.01 500.29 4.01 14.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 437 2,052 16.22 76.14 290.32 790.62 8.21 22.35 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 182 2,234 6.75 82.89 202.93 993.55 5.74 28.09 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 95 2,329 3.53 86.42 159.25 1,152.80 4.50 32.59 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 132 2,461 4.90 91.32 363.83 1,516.63 10.29 42.88 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


RP f


LOSS RATIO


rp RPBAND

rp


NUMBER OF POLICIES

f FMid Points

8 > 1,000 1,500 1,250 132 2,461 4.90 91.32 363.83 1,516.63 10.29 42.88 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 66 2,527 2.45 93.77 209.28 1,725.92 5.92 48.79 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 37 2,564 1.37 95.14 187.57 1,913.49 5.30 54.09 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 23 2,587 0.85 95.99 152.60 2,066.09 4.31 58.41 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 > 3,000 4,000 3,500 29 2,616 1.08 97.07 196.42 2,262.51 5.55 63.96 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 > 4,000 5,000 4,500 11 2,627 0.41 97.48 75.38 2,337.89 2.13 66.09 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 > 5,000 7,500 6,250 17 2,644 0.63 98.11 156.18 2,494.07 4.42 70.51 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 > 7,500 10,000 8,750 11 2,655 0.41 98.52 542.00 3,036.07 15.32 85.83 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 > 10,000 20,000 15,000 22 2,677 0.82 99.33 290.51 3,326.57 8.21 94.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 > 20,000 50,000 35,000 12 2,689 0.45 99.78 250.37 3,576.94 7.08 101.12 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18 > 50,000 100,000 75,000 2 2,691 0.07 99.85 0.69 3,577.63 0.02 101.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

19 > 100,000 500,000 300,000 1 2,692 0.04 99.89 8.82 3,586.46 0.25 101.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20 > 500,000 3 2,695 0.11 100.00 (49,14) 3,537.32 (1,39) 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

T O T A L 2,695 3,537.32 0 0.00 0.00

Page 203 of 204





1 0 50 25 2,109 2,109 12.74 12.74 2,314.48 2,314.48 6.41 6.41 2 2 7.14 7.14 14.39 14.39 0.84 0.84 0.62 0.62

2 > 50 100 75 1,570 3,679 9.48 22.22 241.52 2,556.01 0.67 7.08 0 2 0.00 7.14 0.00 14.39 0.00 0.84 0.00 0.56

3 > 100 200 150 3,058 6,737 18.47 40.69 921.81 3,477.82 2.55 9.64 0 2 0.00 7.14 0.00 14.39 0.00 0.84 0.00 0.41

4 > 200 300 250 2,260 8,997 13.65 54.34 1,130.21 4,608.03 3.13 12.77 0 2 0.00 7.14 0.00 14.39 0.00 0.84 0.00 0.31

5 > 300 500 400 2,627 11,624 15.87 70.21 2,353.57 6,961.60 6.52 19.29 0 2 0.00 7.14 0.00 14.39 0.00 0.84 0.00 0.21

6 > 500 750 625 1,413 13,037 8.53 78.74 1,980.43 8,942.03 5.49 24.77 2 4 7.14 14.29 57.64 72.03 3.36 4.20 2.91 0.81

7 > 750 1,000 875 820 13,857 4.95 83.70 1,587.65 10,529.68 4.40 29.17 2 6 7.14 21.43 1,000.00 1,072.03 58.30 62.50 62.99 10.18

8 > 1,000 1,500 1,250 694 14,551 4.19 87.89 1,717.01 12,246.69 4.76 33.93 2 8 7.14 28.57 144.59 1,216.62 8.43 70.93 8.42 9.93

PERCENTAGERP f F

PERCENTAGErp

PERCENTAGERP

BANDrp


NUMBER OF POLICIES



ORIGINAL PREMIUM (in million Rupiah) CLAIM FREQUENCY

8 > 1,000 1,500 1,250 694 14,551 4.19 87.89 1,717.01 12,246.69 4.76 33.93 2 8 7.14 28.57 144.59 1,216.62 8.43 70.93 8.42 9.93

9 > 1,500 2,000 1,750 344 14,895 2.08 89.97 1,121.78 13,368.47 3.11 37.04 0 8 0.00 28.57 0.00 1,216.62 0.00 70.93 0.00 9.10

10 > 2,000 2,500 2,250 220 15,115 1.33 91.30 932.08 14,300.56 2.58 39.62 0 8 0.00 28.57 0.00 1,216.62 0.00 70.93 0.00 8.51

11 > 2,500 3,000 2,750 159 15,274 0.96 92.26 772.45 15,073.01 2.14 41.76 0 8 0.00 28.57 0.00 1,216.62 0.00 70.93 0.00 8.07

12 > 3,000 4,000 3,500 229 15,503 1.38 93.64 1,119.38 16,192.39 3.10 44.86 0 8 0.00 28.57 0.00 1,216.62 0.00 70.93 0.00 7.51

13 > 4,000 5,000 4,500 137 15,640 0.83 94.47 825.19 17,017.59 2.29 47.15 1 9 3.57 32.14 0.00 1,216.62 0.00 70.93 0.00 7.15

14 > 5,000 7,500 6,250 160 15,800 0.97 95.43 1,229.60 18,247.19 3.41 50.56 0 9 0.00 32.14 0.00 1,216.62 0.00 70.93 0.00 6.67

15 > 7,500 10,000 8,750 76 15,876 0.46 95.89 697.20 18,944.39 1.93 52.49 0 9 0.00 32.14 0.00 1,216.62 0.00 70.93 0.00 6.42

16 > 10,000 20,000 15,000 154 16,030 0.93 96.82 1,773.54 20,717.93 4.91 57.40 0 9 0.00 32.14 0.00 1,216.62 0.00 70.93 0.00 5.87

17 > 20,000 50,000 35,000 170 16,200 1.03 97.85 2,823.54 23,541.47 7.82 65.22 10 19 35.71 67.86 442.56 1,659.18 25.80 96.74 15.67 7.05

18 > 50,000 100,000 75,000 106 16,306 0.64 98.49 1,403.92 24,945.39 3.89 69.11 0 19 0.00 67.86 0.00 1,659.18 0.00 96.74 0.00 6.65

19 > 100,000 500,000 300,000 167 16,473 1.01 99.50 4,246.89 29,192.28 11.77 80.88 9 28 32.14 100.00 55.96 1,715.14 3.26 100.00 1.32 5.88

20 > 500,000 83 16,556 0.50 100.00 6,900.78 36,093.05 19.12 100.00 0 28 0.00 100.00 0.00 1,715.14 0.00 100.00 0.00 4.75

T O T A L 16,556 36,093.05 28 1,715.14 4.75T O T A L 16,556 36,093.05 28 1,715.14 4.75

Page 204 of 204

TABEL GABUNGAN – COMBINED TABLE


PERBANDINGAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2009 - 2012THE COMPARATION OF POLICIES, PREMIUM, CLAIM & LOSS RATIO 2009 - 2012 by CLASS OF BUSINESS

Number of Number of Claim % LOSS Number of Number of Claim % LOSS Number of Number of Claim % LOSS Number of Number of Claim % LOSS

Policies Claims Incured RATIO Policies Claims Incured RATIO Policies Claims Incured RATIO Policies Claims Incured RATIO

- Earthquake (EQ) 95,381 313,625,85 2,401 578,660,87 184,51 127,208 432,908,67 84 2,556,67 0,59 144,265 615,565,15 184 6,492,86 1,05 142,966 717,648,40 33 673,85 0,09 - Fire (FR) 964,953 1,122,839,34 6,963 935,257,84 83,29 945,101 1,105,309,16 5,071 871,527,23 78,85 1,080,231 1,138,099,32 4,833 550,474,29 48,37 989,210 1,192,658,43 3,032 247,734,63 20,77 - Industrial All Risk (IAR) 149,994 444,572,54 10,671 2,404,048,01 540,75 179,934 517,554,07 10,032 2,766,141,62 534,46 194,216 617,656,68 8,043 1,135,957,94 183,91 203,264 910,600,58 5,451 523,389,27 57,48 - Loss of Profit (LOP) 212 306,42 8 1,492,25 486,99 145 374,36 6 149,61 39,97 148 281,95 2 - - 126 310,94 - - -

Premium and Claim in million Rupiah

THE COMPARATION OF POLICIES, PREMIUM, CLAIM & LOSS RATIO 2009 - 2012 by CLASS OF BUSINESS

UY 2009 UY 2010 UY 2011 UY 2012CLASS OF BUSINESS Premium Premium Premium Premium

- Loss of Profit (LOP) 212 306,42 8 1,492,25 486,99 145 374,36 6 149,61 39,97 148 281,95 2 - - 126 310,94 - - -

1,210,540 1,881,344,10 20,043 3,919,458,99 208,33 1,252,388 2,056,146,27 15,193 3,640,375,14 177,05 1,418,860 2,371,603,10 13,062 1,692,925,07 71,38 1,335,566 2,821,218,33 8,516 771,797,78 27,36

Note : Data yang diterima hingga 15 Desember 2012 dan klaim-klaim yang terjadi sebagai berikut : (Data received up to 15 December 2012) and Claim Incured as follows) :

Number of Number ofCases Cases

Underwriting Year 2009 19,214 829Underwriting Year 2010 14,720 473

Claim Settled Outstanding Claims(in Rp)(in Rp)

3,884,515,710,893,57 34,943,279,106,43 3,442,584,350,891,85 197,790,789,108,15 Underwriting Year 2010 14,720 473

Underwriting Year 2011 12,652 410Underwriting Year 2012 7,337 1,179

18,644,238,984,30 771,792,837,767,13 4,942,232,87

3,442,584,350,891,85 197,790,789,108,15 1,674,280,831,015,70

Page 1 of 3


PERBANDINGAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2009 - 2012



20 - Mining, Drilling Installation, Salt Mines, 1,819 14,469,29 369 251,554,34 1,738,54 2,208 8,638,28 274 54,622,76 632,33 2,351 20,927,23 99 32,400,72 154,83 2,472 39,167,37 43 2,716,13 6,93 21 - Stone, Earth, (Animal) Bones or Shells 3,135 14,600,25 240 124,807,33 854,83 3,078 17,909,15 200 32,697,72 182,58 3,489 22,432,22 185 27,426,28 122,26 3,102 24,505,50 53 6,067,65 24,76


PERBANDINGAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2009 - 2012THE COMPARATION OF POLICIES, PREMIUM, CLAIM & LOSS RATIO 2009 - 2012 by OCCUPATION

UY 2009 UY 2010 UY 2011 UY 2012OCCUPATION CODE Premium Premium Premium Premium

22 - Metals 11,745 63,375,01 686 211,511,53 333,75 12,800 68,710,10 688 129,145,06 188,07 13,070 68,757,39 609 145,413,64 211,49 15,277 76,654,72 294 22,968,51 29,96 23 - Chemicals/Oil/Gas 14,268 101,972,46 1,077 193,250,43 189,51 14,584 110,693,91 670 364,386,60 329,18 17,319 140,514,74 746 163,979,21 116,70 40,474 193,771,18 461 114,797,41 59,24 24 - Textiles 17,658 83,982,52 1,283 300,951,08 358,35 17,912 86,889,83 914 258,218,35 297,18 18,987 109,841,77 809 129,806,52 118,18 18,557 103,934,58 326 100,231,13 96,44 25 - Paper, Leather, Rubber 12,342 79,662,89 723 228,275,85 286,55 12,776 92,185,47 658 704,399,42 764,11 13,683 102,189,30 642 244,167,36 238,94 13,888 135,171,09 293 41,382,90 30,62 26 - Wood, Bamboo and Rattan 9,129 81,204,04 451 305,869,90 376,67 9,498 91,128,96 463 176,169,44 193,32 9,763 98,883,95 372 72,466,82 73,28 8,597 83,705,36 265 82,570,25 98,64 27 - Nutritional, Drinks and Tobacco 37,240 115,591,31 2,233 283,959,71 245,66 35,129 135,314,45 1,558 225,443,06 166,61 43,098 175,548,84 1,734 336,009,82 191,41 36,627 139,379,01 938 67,605,15 48,50 28 - Power and Heating 1,086 9,189,99 109 389,210,15 4,235,15 1,235 14,076,98 88 76,275,94 541,85 1,706 34,043,24 102 22,708,64 66,71 2,190 22,759,42 36 3,401,53 14,95 29 - Transport and Traffic, Construction Firms, 1,096,998 1,284,731,77 12,614 1,606,454,32 125,04 1,139,412 1,390,013,02 9,441 1,608,156,93 115,69 1,289,717 1,546,834,85 7,579 497,680,33 32,17 1,187,337 1,954,983,59 5,739 319,451,00 16,34 30 - Estate Plantation Risk 564 3,045,76 43 2,086,34 68,50 536 8,650,34 16 269,53 3,12 1,078 13,784,90 34 1,177,20 8,54 795 12,846,74 14 9,634,86 75,00 31 - Estate Plantation Risk 1,306 16,367,17 131 8,052,82 49,20 1,479 19,717,89 90 6,505,37 32,99 1,571 25,913,98 76 17,428,53 67,26 1,425 22,554,75 24 874,15 3,88 32 - Recreation Place 199 4,871,08 47 6,507,34 133,59 259 3,661,68 84 2,079,50 56,79 210 5,322,48 65 1,559,83 29,31 197 6,455,93 19 97,09 1,50 32 - Recreation Place 199 4,871,08 47 6,507,34 133,59 259 3,661,68 84 2,079,50 56,79 210 5,322,48 65 1,559,83 29,31 197 6,455,93 19 97,09 1,50 40 - Non Estate Plantation 3,051 8,280,61 37 6,967,83 84,15 1,482 8,596,20 49 2,005,47 23,33 2,818 6,608,20 10 700,19 10,60 4,628 5,329,12 11 - -

1,210,540 1,881,344,20 20,043 3,919,458,96 208,33 1,252,388 2,056,146,30 15,193 3,640,375,16 177,05 1,418,860 2,371,603,10 13,062 1,692,925,13 71,38 1,335,566 2,821,218,40 8,516 771,797,85 27,36




Underwriting Year 2009 19,214 829Underwriting Year 2010 14,720 473Underwriting Year 2011 12,652 410Underwriting Year 2012 7,337 1,179

18,644,298,984,30 5,012,232,87

197,790,809,108,15 3,884,515,710,893,57 34,943,249,106,43

771,792,837,767,13

3,442,584,350,891,851,674,280,831,015,70

Page 2 of 3


PERBANDINGAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2009 - 2012THE COMPARATION OF POLICIES, PREMIUM, CLAIM & LOSS RATIO 2009 - 2012 by PROVINCE



01 - Nanggroe Aceh Darussalam 11,482 16,422,71 58 2,204,67 13,42 13,553 19,306,70 79 3,274,48 16,96 15,160 18,330,83 55 5,795,89 31,62 12,281 17,580,42 29 560,70 3,19 02 - Sumatera Utara 95,567 118,302,02 918 81,481,28 68,88 88,806 137,062,92 741 570,364,26 416,13 97,205 161,337,04 656 77,673,98 48,14 98,251 230,990,55 425 51,167,30 22,15 03 - Sumatera Barat 35,887 34,487,84 2,516 653,283,66 1,894,24 41,259 40,159,34 101 13,370,80 33,29 49,907 57,782,44 162 22,788,61 39,44 48,766 93,782,78 67 5,172,16 5,52 04 - Riau 46,814 74,469,65 349 45,136,10 60,61 41,775 60,009,64 291 97,799,38 162,97 47,064 66,265,26 341 34,079,61 51,43 47,882 101,658,82 175 13,473,98 13,25


THE COMPARATION OF POLICIES, PREMIUM, CLAIM & LOSS RATIO 2009 - 2012 by PROVINCE

UY 2009 UY 2010 UY 2011 UY 2012PROVINCE CODE Premium Premium Premium Premium

04 - Riau 46,814 74,469,65 349 45,136,10 60,61 41,775 60,009,64 291 97,799,38 162,97 47,064 66,265,26 341 34,079,61 51,43 47,882 101,658,82 175 13,473,98 13,25 05 - Jambi 13,864 18,037,48 83 31,011,45 171,93 14,559 19,940,92 85 19,145,65 96,01 14,884 20,465,52 52 3,876,80 18,94 15,431 21,191,04 26 1,503,16 7,09 06 - Sumatera Selatan 28,019 59,240,80 461 46,683,62 78,80 30,462 49,776,87 285 57,900,60 116,32 34,473 50,869,44 251 23,171,06 45,55 29,376 69,353,13 156 7,272,53 10,49 07 - Bengkulu 9,274 9,527,19 130 9,076,16 95,27 11,025 10,728,64 67 4,466,24 41,63 14,101 11,248,84 52 3,319,81 29,51 9,254 10,369,67 29 1,992,80 19,22 08 - Lampung 21,440 38,623,98 451 14,892,88 38,56 23,236 39,076,99 350 18,379,48 47,03 26,859 46,138,27 195 104,568,43 226,64 22,190 152,768,77 130 19,066,90 12,48 09 - Daerah Khusus Ibukota Jakarta 239,045 394,167,29 4,924 635,923,61 161,33 243,688 422,368,09 3,758 805,029,45 190,60 256,653 524,453,10 3,324 364,990,55 69,59 263,256 571,069,96 3,811 229,075,62 40,11 10 - Jawa Barat 182,101 281,476,47 3,740 1,105,971,52 392,92 196,718 339,252,82 3,337 883,743,08 260,50 229,271 387,133,59 2,389 305,716,66 78,97 201,602 385,797,28 1,111 111,003,70 28,77 11 - Jawa Tengah 93,903 123,823,88 1,076 215,241,76 173,83 99,818 144,370,71 1,013 102,829,48 71,23 123,422 162,622,86 986 134,843,87 82,92 115,181 161,114,47 377 10,573,58 6,56 12 - Daerah Istimewa Yogyakarta 14,002 15,302,43 167 4,377,04 28,60 13,218 17,015,18 158 7,987,97 46,95 14,928 19,844,79 109 6,483,85 32,67 12,952 40,595,47 52 804,07 1,98 13 - Jawa Timur 131,902 224,025,72 1,997 397,149,26 177,28 138,426 249,834,11 1,700 367,998,54 147,30 162,508 296,598,58 1,608 234,219,97 78,97 147,650 289,049,16 641 79,593,19 27,54 14 - Kalimantan Barat 38,391 57,514,40 314 101,026,63 175,65 39,436 58,725,86 405 33,877,30 57,69 38,439 62,458,58 282 23,947,28 38,34 35,683 73,442,63 180 9,651,65 13,14 15 - Kalimantan Tengah 8,823 14,250,27 132 5,684,25 39,89 10,248 15,778,19 135 6,893,44 43,69 11,604 15,462,53 175 22,102,99 142,95 8,428 64,067,20 33 1,132,14 1,77 16 - Kalimantan Selatan 18,720 22,940,43 189 13,082,23 57,03 17,890 24,935,99 209 23,750,67 95,25 20,824 30,783,92 179 10,576,78 34,36 20,456 31,801,81 81 5,919,89 18,61 17 - Kalimantan Timur 28,146 53,756,12 346 194,165,82 361,20 29,376 54,651,33 364 389,813,99 713,27 32,261 63,369,04 283 51,055,80 80,57 29,829 78,384,66 145 12,356,33 15,76 18 - Sulawesi Utara 12,989 19,595,28 58 53,223,44 271,61 14,636 23,164,41 84 20,318,87 87,72 17,489 25,662,92 83 70,761,25 275,73 15,428 27,716,81 40 3,117,38 11,25 19 - Sulawesi Tengah 6,829 11,103,80 10 157,70 1,42 8,577 14,022,57 15 1,017,78 7,26 7,744 10,028,99 28 4,396,38 43,84 7,419 10,103,99 20 789,66 7,82 20 - Sulawesi Selatan 34,542 47,680,55 157 16,978,06 35,61 34,647 44,566,57 160 15,796,35 35,44 43,920 54,747,37 212 19,877,28 36,31 38,756 55,857,80 95 5,383,87 9,64 21 - Sulawesi Tenggara 4,711 5,880,03 20 3,467,01 58,96 4,905 7,039,33 4 59,67 0,85 5,924 7,328,47 10 254,17 3,47 5,509 8,112,83 - - - 22 - Bali 27,900 49,758,42 372 16,233,51 32,62 30,802 59,309,81 590 35,368,72 59,63 37,284 68,081,27 565 25,730,34 37,79 36,347 80,220,99 293 15,128,91 18,86 23 - Nusa Tenggara Barat 8,133 9,094,13 237 3,639,06 40,02 8,663 11,453,48 50 3,383,52 29,54 10,911 12,583,16 87 2,430,32 19,31 9,158 13,350,82 25 4,387,89 32,87 24 - Nusa Tenggara Timur 6,288 8,749,42 15 1,190,69 13,61 6,255 10,047,73 23 5,998,33 59,70 7,894 10,182,51 11 334,15 3,28 6,403 12,299,40 6 933,75 7,59 25 - Maluku 2,128 4,407,83 18 53,226,88 1,207,55 2,795 6,186,56 12 449,11 7,26 3,761 7,338,28 26 2,125,33 28,96 4,080 8,708,37 11 68,57 0,79 25 - Maluku 2,128 4,407,83 18 53,226,88 1,207,55 2,795 6,186,56 12 449,11 7,26 3,761 7,338,28 26 2,125,33 28,96 4,080 8,708,37 11 68,57 0,79 26 - Irian Jaya 6,830 15,560,73 123 3,973,54 25,54 7,866 19,154,59 35 3,307,74 17,27 9,841 17,441,98 23 1,256,93 7,21 8,298 18,488,13 36 5,533,30 29,93 27 - Maluku Utara 1,288 3,241,60 4 236,67 7,30 1,335 3,791,04 3 376,97 9,94 1,096 1,897,79 6 941,29 49,60 865 2,102,73 2 287,16 13,66 28 - Irian Jaya Barat 2,632 4,702,39 10 679,61 14,45 2,316 4,828,86 10 575,30 11,91 4,157 4,431,51 23 2,175,96 49,10 2,787 5,559,17 - - - 29 - Banten 55,424 104,045,82 988 151,023,94 145,15 53,502 113,336,68 897 127,587,44 112,57 56,258 121,311,12 735 118,662,08 97,82 58,990 140,163,86 455 173,113,02 123,51 30 - Bangka Belitung 2,858 4,723,17 17 1,361,19 28,82 2,890 4,358,51 18 1,369,76 31,43 3,162 3,634,39 13 378,68 10,42 3,807 5,885,25 37 1,019,42 17,32 31 - Gorontalo 2,757 3,937,53 20 296,65 7,53 2,567 4,010,01 12 326,05 8,13 2,578 3,244,27 8 75,38 2,32 2,695 3,537,32 - - - 32 - Kepulauan Riau 17,851 32,494,77 143 57,379,07 176,58 17,139 27,881,79 202 17,814,69 63,89 17,278 28,524,46 133 14,313,63 50,18 16,556 36,093,05 28 1,715,14 4,75

1,210,540 1,881,344,08 20,043 3,919,459,02 208,33 1,252,388 2,056,146,19 15,193 3,640,375,17 177,05 1,418,860 2,371,603,09 13,062 1,692,925,20 71,38 1,335,566 2,821,218,27 8,516 771,797,83 27,36



Underwriting Year 2009 19,214 829Underwriting Year 2010 14,720 473Underwriting Year 2011 12,652 410Underwriting Year 2012 7,337 1,179

Page 3 of 3

3,884,515,710,893,57 34,943,309,106,43

18,644,368,984,30 771,792,837,767,13 4,992,232,87

3,442,584,350,891,85 197,790,819,108,15 1,674,280,831,015,70


GRAFIK - GRAPH

900,000

1,000,000

1,100,000

1,200,000

1,300,000

1,400,000

Num

ber o

f Pol

icie

s

GRAPH COMPARISON OF POLICIES NUMBER BY OCCUPATION 2009 - 2012

1 of 10

-

100,000

200,000

300,000

400,000

500,000

600,000

700,000

800,000

20 21 22 23 24 25 26 2728

2930

3132

40

Num

ber o

f Pol

icie

s

Occupation Code

UY 2009

UY 2010

UY 2011

UY 2012

1,000,000,00

1,100,000,00

1,200,000,00

1,300,000,00

1,400,000,00

1,500,000,00

1,600,000,00

1,700,000,00

1,800,000,00

1,900,000,00

2,000,000,00

Pre

miu

m(in

mill

ion

Rup

iah)

GRAPH COMPARISON OF PREMIUM BY OCCUPATION 2009 - 2012

2 of 10

-100,000,00 200,000,00 300,000,00 400,000,00 500,000,00

600,000,00

700,000,00

800,000,00

900,000,00

1,000,000,00

20 21 22 23 24 25 26 27 28 29 30 31 32 40

Pre

miu

m(in

mill

ion

Rup

iah)

Occupation Code

UY 2009

UY 2010

UY 2011

UY 2012

9,000

10,000

11,000

12,000

13,000

Num

ber o

f Cla

imGRAPH COMPARISON OF CLAIM NUMBER BY OCCUPATION

2009 - 2012

3 of 10

-

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

20 21 22 23 24 25 26 27 28 29 30 31 32 40

Num

ber o

f Cla

im

Occupation Code

UY 2009

UY 2010

UY 2011

UY 2012

1,200,000,00

1,400,000,00

1,600,000,00

1,800,000,00

Cla

im In

curr

ed

(in m

illio

n R

upia

h)GRAPH COMPARISON OF CLAIM BY OCCUPATION

2009 - 2012

4 of 10

-

200,000,00

400,000,00

600,000,00

800,000,00

1,000,000,00

20 21 22 23 24 25 26 27 2829

3031

3240

Cla

im In

curr

ed

(in m

illio

n R

upia

h)

Occupation Code

UY 2009

UY 2010

UY 2011

UY 2012

2750,0

3000,0

3250,0

3500,0

3750,0

4000,0

4250,0

Loss

Rat

io(in

per

cent

age)

GRAPH COMPARISON OF LOSS RATIO BY OCCUPATION2009 - 2012

5 of 10

,0

250,0

500,0

750,0

1000,0

1250,0

1500,0

1750,0

2000,0

2250,0

2500,0

2750,0

20 21 22 23 24 25 26 27 28 29 30 31 32 40

Loss

Rat

io(in

per

cent

age)

Occupation Code

UY 2009

UY 2010

UY 2011

UY 2012

175,000

200,000

225,000

250,000

275,000

Num

ber

of P

olic

ies

GRAPH COMPARISON OF POLICIES NUMBER BY PROVINCE2009 - 2012

6 of 10

-

25,000

50,000

75,000

100,000

125,000

150,000

175,000

01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

Num

ber

of P

olic

ies

Province Code

UY 2009

UY 2010

UY 2011

UY 2012

300,000,00

350,000,00

400,000,00

450,000,00

500,000,00

550,000,00

600,000,00

Pre

miu

m( i

n m

illio

n R

upia

h)GRAPH COMPARISON OF PREMIUM BY PROVINCE

2009 - 2012

7 of 10

-

50,000,00

100,000,00

150,000,00

200,000,00

250,000,00

300,000,00

01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

Pre

miu

m( i

n m

illio

n R

upia

h)

Province Code

UY 2009

UY 2010

UY 2011

UY 2012

3,000 3,250 3,500 3,750 4,000 4,250 4,500 4,750 5,000

Num

ber o

f Cla

imGRAPH COMPARISON OF CLAIM NUMBER BY PROVINCE

2009 - 2012

8 of 10

-250 500 750

1,000 1,250 1,500 1,750 2,000 2,250 2,500 2,750 3,000

01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

Num

ber o

f Cla

im

Province Code

UY 2009

UY 2010

UY 2011

UY 2012

800,000,00

900,000,00

1,000,000,00

1,100,000,00

1,200,000,00

Cla

im In

curr

ed

(in m

illio

n R

upia

h)GRAPH COMPARISON OF CLAIM BY PROVINCE

2009 - 2012

9 of 10

-

100,000,00

200,000,00

300,000,00

400,000,00

500,000,00

600,000,00

700,000,00

01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

Cla

im In

curr

ed

(in m

illio

n R

upia

h)

Province Code

UY 2009

UY 2010

UY 2011

UY 2012

1300,01400,01500,01600,01700,01800,01900,02000,0

(in p

erce

ntag

e)GRAPH COMPARISON OF LOSS RATIO BY PROVINCE

2009 - 2012

10 of 10

,0100,0200,0300,0400,0500,0600,0700,0800,0900,0

1000,01100,01200,01300,0

01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

Loss

Rat

io(in

per

cent

age)

Province Code

UY 2009

UY 2010

UY 2011

UY 2012

EXAMPLE FOR REAL OCCUPATION CODE

o 23001 ̴ GENERAL CHEMICAL PRODUCTS FACTORIES o 2341 ̴ MANUFACTURE OF PLASTIC ARTICLES

o 2521 ̴ CARTON MANUFACTURING o 2782 ̴ PRODUCERS OF WINES, FRUIT JUICES

AND MINERAL WATER o 29371 ̴ PRIVATE WAREHOUSE AND STOREHOUSE –

SUBJECT TO WARRANTY A



General Chemical Products Factories (Pabrik Penghasil Produk Kimia Umum)


1 0 50 25 100 100 13.59 13.59 486.03 486.03 8.94 8.94 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 9 109 1.22 14.81 4.83 490.87 0.09 9.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 17 126 2.31 17.12 40.84 531.70 0.75 9.78 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 12 138 1.63 18.75 4.29 535.99 0.08 9.86 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANDrp RP ff F


NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah)PERCENTAGE PERCENTAGE

LOSS RATIO


rp RP

CLAIM SEVERITY (in million Rupiah)CLAIM FREQUENCYPERCENTAGEMid Points

4 > 200 300 250 12 138 1.63 18.75 4.29 535.99 0.08 9.86 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 27 165 3.67 22.42 70.56 606.55 1.30 11.16 2 2 4.08 4.08 12.57 12.57 0.23 0.23 17.81 2.07

6 > 500 750 625 19 184 2.58 25.00 38.53 645.08 0.71 11.86 0 2 0.00 4.08 0.00 12.57 0.00 0.23 0.00 1.95

7 > 750 1,000 875 30 214 4.08 29.08 82.29 727.37 1.51 13.38 0 2 0.00 4.08 0.00 12.57 0.00 0.23 0.00 1.73

8 > 1,000 1,500 1,250 32 246 4.35 33.42 5.87 733.25 0.11 13.49 1 3 2.04 6.12 1,007.82 1,020.38 18.18 18.40 17,158,39 139.16

9 > 1,500 2,000 1,750 24 270 3.26 36.68 65.13 798.38 1.20 14.68 0 3 0.00 6.12 0.00 1,020.38 0.00 18.40 0.00 127.81

10 > 2,000 2,500 2,250 20 290 2.72 39.40 97.12 895.50 1.79 16.47 0 3 0.00 6.12 0.00 1,020.38 0.00 18.40 0.00 113.95

11 > 2,500 3,000 2,750 19 309 2.58 41.98 52.05 947.55 0.96 17.43 2 5 4.08 10.20 4.09 1,024.47 0.07 18.48 7.86 108.12

12 > 3,000 4,000 3,500 30 339 4.08 46.06 76.87 1,024.42 1.41 18.84 0 5 0.00 10.20 0.00 1,024.47 0.00 18.48 0.00 100.01

13 > 4,000 5,000 4,500 27 366 3.67 49.73 117.59 1,142.01 2.16 21.00 0 5 0.00 10.20 0.00 1,024.47 0.00 18.48 0.00 89.71

14 > 5,000 7,500 6,250 29 395 3.94 53.67 328.47 1,470.48 6.04 27.04 0 5 0.00 10.20 0.00 1,024.47 0.00 18.48 0.00 69.67

15 > 7,500 10,000 8,750 45 440 6.11 59.78 395.68 1,866.16 7.28 34.32 2 7 4.08 14.29 110.33 1,134.80 1.99 20.47 27.88 60.81

16 > 10,000 20,000 15,000 57 497 7.74 67.53 624.94 2,491.10 11.49 45.81 0 7 0.00 14.29 0.00 1,134.80 0.00 20.47 0.00 45.55

17 > 20,000 50,000 35,000 65 562 8.83 76.36 759.85 3,250.96 13.97 59.79 2 9 4.08 18.37 28.10 1,162.90 0.51 20.97 3.70 35.7717 > 20,000 50,000 35,000 65 562 8.83 76.36 759.85 3,250.96 13.97 59.79 2 9 4.08 18.37 28.10 1,162.90 0.51 20.97 3.70 35.77

18 > 50,000 100,000 75,000 60 622 8.15 84.51 681.54 3,932.50 12.53 72.32 9 18 18.37 36.73 202.46 1,365.36 3.65 24.62 29.71 34.72

19 > 100,000 500,000 300,000 70 692 9.51 94.02 851.72 4,784.21 15.66 87.99 27 45 55.10 91.84 3,990.23 5,355.59 71.96 96.59 468.49 111.94

20 > 500,000 44 736 5.98 100.00 653.23 5,437.44 12.01 100.00 4 49 8.16 100.00 189.28 5,544.87 3.41 100.00 28.98 101.98

T O T A L 736 5,437.44 49 5,544.87 101.98

Page 1 of 20





1 0 50 25 54 54 5.91 5.91 394.20 394.20 6.11 6.11 2 2 2.90 2.90 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 12 66 1.31 7.23 32.35 426.55 0.50 6.61 0 2 0.00 2.90 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 33 99 3.61 10.84 39.47 466.02 0.61 7.22 0 2 0.00 2.90 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 13 112 1.42 12.27 7.47 473.49 0.12 7.34 0 2 0.00 2.90 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 46 158 5.04 17.31 109.72 583.21 1.70 9.04 4 6 5.80 8.70 403.40 403.40 3.68 3.68 367.67 69.17

BANDrp RP ff F



LOSS RATIO


rp RP


5 > 300 500 400 46 158 5.04 17.31 109.72 583.21 1.70 9.04 4 6 5.80 8.70 403.40 403.40 3.68 3.68 367.67 69.17

6 > 500 750 625 44 202 4.82 22.12 80.21 663.42 1.24 10.28 0 6 0.00 8.70 0.00 403.40 0.00 3.68 0.00 60.81

7 > 750 1,000 875 37 239 4.05 26.18 92.88 756.31 1.44 11.72 0 6 0.00 8.70 0.00 403.40 0.00 3.68 0.00 53.34

8 > 1,000 1,500 1,250 42 281 4.60 30.78 265.58 1,021.88 4.12 15.84 0 6 0.00 8.70 0.00 403.40 0.00 3.68 0.00 39.48

9 > 1,500 2,000 1,750 47 328 5.15 35.93 86.57 1,108.45 1.34 17.18 2 8 2.90 11.59 24.04 427.44 0.22 3.90 27.76 38.56

10 > 2,000 2,500 2,250 50 378 5.48 41.40 37.14 1,145.60 0.58 17.76 2 10 2.90 14.49 27.64 455.08 0.25 4.15 74.42 39.72

11 > 2,500 3,000 2,750 19 397 2.08 43.48 97.21 1,242.80 1.51 19.27 0 10 0.00 14.49 0.00 455.08 0.00 4.15 0.00 36.62

12 > 3,000 4,000 3,500 39 436 4.27 47.75 158.39 1,401.19 2.46 21.72 0 10 0.00 14.49 0.00 455.08 0.00 4.15 0.00 32.48

13 > 4,000 5,000 4,500 33 469 3.61 51.37 156.13 1,557.33 2.42 24.14 3 13 4.35 18.84 114.73 569.80 1.05 5.20 73.48 36.59

14 > 5,000 7,500 6,250 58 527 6.35 57.72 266.46 1,823.78 4.13 28.27 5 18 7.25 26.09 11.78 581.58 0.11 5.30 4.42 31.89

15 > 7,500 10,000 8,750 40 567 4.38 62.10 286.76 2,110.54 4.45 32.72 0 18 0.00 26.09 0.00 581.58 0.00 5.30 0.00 27.56

16 > 10,000 20,000 15,000 71 638 7.78 69.88 660.44 2,770.98 10.24 42.96 0 18 0.00 26.09 0.00 581.58 0.00 5.30 0.00 20.99

17 > 20,000 50,000 35,000 83 721 9.09 78.97 854.79 3,625.78 13.25 56.21 20 38 28.99 55.07 2,309.15 2,890.73 21.06 26.36 270.14 79.73

18 > 50,000 100,000 75,000 52 773 5.70 84.67 493.25 4,119.02 7.65 63.85 3 41 4.35 59.42 242.25 3,132.98 2.21 28.57 49.11 76.0618 > 50,000 100,000 75,000 52 773 5.70 84.67 493.25 4,119.02 7.65 63.85 3 41 4.35 59.42 242.25 3,132.98 2.21 28.57 49.11 76.06

19 > 100,000 500,000 300,000 86 859 9.42 94.09 1,130.25 5,249.27 17.52 81.38 18 59 26.09 85.51 2,142.89 5,275.87 19.54 48.11 189.59 100.51

20 > 500,000 54 913 5.91 100.00 1,201.40 6,450.67 18.62 100.00 10 69 14.49 100.00 5,690.73 10,966.60 51.89 100.00 473.67 170.01

T O T A L 913 6,450.67 69 10,966.60 170.01

Page 2 of 20





1 0 50 25 61 61 7.03 7.03 155.38 155.38 1.60 1.60 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 18 79 2.07 9.10 23.45 178.83 0.24 1.85 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 26 105 3.00 12.10 19.42 198.25 0.20 2.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 5 110 0.58 12.67 2.99 201.24 0.03 2.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANDrp RP ff F



LOSS RATIO


rp RP


5 > 300 500 400 39 149 4.49 17.17 25.96 227.20 0.27 2.35 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 26 175 3.00 20.16 48.17 275.37 0.50 2.84 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 43 218 4.95 25.12 98.11 373.48 1.01 3.86 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 27 245 3.11 28.23 56.03 429.51 0.58 4.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 34 279 3.92 32.14 51.47 480.98 0.53 4.97 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 28 307 3.23 35.37 43.71 524.69 0.45 5.42 3 3 4.69 4.69 2,083.40 2,083.40 17.36 17.36 4,766,69 397.07

11 > 2,500 3,000 2,750 26 333 3.00 38.36 130.91 655.60 1.35 6.77 20 23 31.25 35.94 912.62 2,996.02 7.60 24.96 697.14 456.99

12 > 3,000 4,000 3,500 32 365 3.69 42.05 126.88 782.48 1.31 8.08 0 23 0.00 35.94 0.00 2,996.02 0.00 24.96 0.00 382.89

13 > 4,000 5,000 4,500 27 392 3.11 45.16 156.50 938.98 1.62 9.69 5 28 7.81 43.75 4,161.42 7,157.45 34.67 59.63 2,659,02 762.26

14 > 5,000 7,500 6,250 52 444 5.99 51.15 276.84 1,215.82 2.86 12.55 1 29 1.56 45.31 0.00 7,157.45 0.00 59.63 0.00 588.70

15 > 7,500 10,000 8,750 39 483 4.49 55.65 311.83 1,527.65 3.22 15.77 2 31 3.13 48.44 5.47 7,162.92 0.05 59.68 1.75 468.88

16 > 10,000 20,000 15,000 78 561 8.99 64.63 855.59 2,383.24 8.83 24.60 6 37 9.38 57.81 21.00 7,183.92 0.17 59.85 2.45 301.44

17 > 20,000 50,000 35,000 90 651 10.37 75.00 1,221.39 3,604.63 12.61 37.21 5 42 7.81 65.63 1,490.81 8,674.73 12.42 72.27 122.06 240.6617 > 20,000 50,000 35,000 90 651 10.37 75.00 1,221.39 3,604.63 12.61 37.21 5 42 7.81 65.63 1,490.81 8,674.73 12.42 72.27 122.06 240.66

18 > 50,000 100,000 75,000 57 708 6.57 81.57 1,103.25 4,707.88 11.39 48.60 4 46 6.25 71.88 130.14 8,804.87 1.08 73.36 11.80 187.02

19 > 100,000 500,000 300,000 94 802 10.83 92.40 2,067.87 6,775.75 21.35 69.95 2 48 3.13 75.00 22.49 8,827.36 0.19 73.55 1.09 130.28

20 > 500,000 66 868 7.60 100.00 2,910.91 9,686.67 30.05 100.00 16 64 25.00 100.00 3,175.12 12,002.48 26.45 100.00 109.08 123.91

T O T A L 868 9,686.67 64 12,002.48 123.91

Page 3 of 20





1 0 50 25 81 81 10.76 10.76 358.66 358.66 4.63 4.63 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 22 103 2.92 13.68 21.19 379.84 0.27 4.91 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 14 117 1.86 15.54 3.09 382.94 0.04 4.95 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 12 129 1.59 17.13 11.13 394.06 0.14 5.09 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 21 150 2.79 19.92 16.79 410.85 0.22 5.31 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANDrp RP ff F



LOSS RATIO


rp RP


5 > 300 500 400 21 150 2.79 19.92 16.79 410.85 0.22 5.31 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 16 166 2.12 22.05 6.23 417.08 0.08 5.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 33 199 4.38 26.43 46.98 464.07 0.61 5.99 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 29 228 3.85 30.28 27.48 491.55 0.35 6.35 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 20 248 2.66 32.93 33.26 524.81 0.43 6.78 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 24 272 3.19 36.12 18.04 542.85 0.23 7.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 24 296 3.19 39.31 59.40 602.25 0.77 7.78 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 > 3,000 4,000 3,500 40 336 5.31 44.62 142.69 744.94 1.84 9.62 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 > 4,000 5,000 4,500 9 345 1.20 45.82 33.03 777.97 0.43 10.05 3 3 12.50 12.50 136.92 136.92 23.99 23.99 414.50 17.60

14 > 5,000 7,500 6,250 39 384 5.18 51.00 224.53 1,002.50 2.90 12.95 0 3 0.00 12.50 0.00 136.92 0.00 23.99 0.00 13.66

15 > 7,500 10,000 8,750 26 410 3.45 54.45 148.56 1,151.06 1.92 14.87 2 5 8.33 20.83 0.00 136.92 0.00 23.99 0.00 11.89

16 > 10,000 20,000 15,000 69 479 9.16 63.61 571.97 1,723.03 7.39 22.26 0 5 0.00 20.83 0.00 136.92 0.00 23.99 0.00 7.95

17 > 20,000 50,000 35,000 78 557 10.36 73.97 832.93 2,555.96 10.76 33.02 1 6 4.17 25.00 0.00 136.92 0.00 23.99 0.00 5.36

18 > 50,000 100,000 75,000 41 598 5.44 79.42 532.75 3,088.71 6.88 39.90 0 6 0.00 25.00 0.00 136.92 0.00 23.99 0.00 4.4318 > 50,000 100,000 75,000 41 598 5.44 79.42 532.75 3,088.71 6.88 39.90 0 6 0.00 25.00 0.00 136.92 0.00 23.99 0.00 4.43

19 > 100,000 500,000 300,000 107 705 14.21 93.63 1,836.29 4,925.00 23.72 63.62 2 8 8.33 33.33 0.00 136.92 0.00 23.99 0.00 2.78

20 > 500,000 48 753 6.37 100.00 2,816.49 7,741.48 36.38 100.00 16 24 66.67 100.00 433.74 570.66 76.01 100.00 15.40 7.37

T O T A L 753 7,741.48 24 570.66 7.37

Page 4 of 20



Manufacture of Plastic Articles (Pabrik Pembuatan Barang-Barang dari Plastik)


1 0 50 25 577 577 8.26 8.26 3,176.47 3,176.47 7.65 7.65 2 2 0.48 0.48 17.06 17.06 0.03 0.03 0.54 0.54

2 > 50 100 75 85 662 1.22 9.48 71.62 3,248.09 0.17 7.82 5 7 1.20 1.67 73.62 90.68 0.15 0.18 102.79 2.79

3 > 100 200 150 174 836 2.49 11.97 221.13 3,469.22 0.53 8.35 2 9 0.48 2.15 0.68 91.36 0.00 0.18 0.31 2.63

4 > 200 300 250 184 1,020 2.63 14.60 185.29 3,654.51 0.45 8.80 0 9 0.00 2.15 0.00 91.36 0.00 0.18 0.00 2.50

5 > 300 500 400 351 1,371 5.03 19.63 687.18 4,341.69 1.65 10.45 69 78 16.51 18.66 2,227.33 2,318.69 4.43 4.61 324.12 53.41

LOSS RATIO


rp RP

CLAIM SEVERITY (in million Rupiah)CLAIM FREQUENCYPERCENTAGEMid PointsBAND

rp RP ff F



5 > 300 500 400 351 1,371 5.03 19.63 687.18 4,341.69 1.65 10.45 69 78 16.51 18.66 2,227.33 2,318.69 4.43 4.61 324.12 53.41

6 > 500 750 625 392 1,763 5.61 25.24 696.50 5,038.19 1.68 12.13 10 88 2.39 21.05 306.66 2,625.35 0.61 5.22 44.03 52.11

7 > 750 1,000 875 392 2,155 5.61 30.85 801.86 5,840.05 1.93 14.06 3 91 0.72 21.77 762.27 3,387.62 1.52 6.73 95.06 58.01

8 > 1,000 1,500 1,250 503 2,658 7.20 38.05 1,249.99 7,090.04 3.01 17.07 14 105 3.35 25.12 1,626.35 5,013.96 3.23 9.97 130.11 70.72

9 > 1,500 2,000 1,750 446 3,104 6.39 44.44 1,364.21 8,454.24 3.28 20.36 16 121 3.83 28.95 3,609.77 8,623.74 7.18 17.14 264.61 102.00

10 > 2,000 2,500 2,250 303 3,407 4.34 48.78 1,157.36 9,611.60 2.79 23.14 6 127 1.44 30.38 88.95 8,712.69 0.18 17.32 7.69 90.65

11 > 2,500 3,000 2,750 337 3,744 4.82 53.60 1,639.43 11,251.03 3.95 27.09 5 132 1.20 31.58 43.31 8,756.00 0.09 17.41 2.64 77.82

12 > 3,000 4,000 3,500 441 4,185 6.31 59.91 2,123.86 13,374.89 5.11 32.20 11 143 2.63 34.21 3,536.13 12,292.13 7.03 24.43 166.50 91.90

13 > 4,000 5,000 4,500 334 4,519 4.78 64.70 2,150.07 15,524.96 5.18 37.38 8 151 1.91 36.12 1,154.23 13,446.36 2.29 26.73 53.68 86.61

14 > 5,000 7,500 6,250 572 5,091 8.19 72.88 3,963.72 19,488.69 9.54 46.93 62 213 14.83 50.96 4,418.98 17,865.34 8.78 35.51 111.49 91.67

15 > 7,500 10,000 8,750 327 5,418 4.68 77.57 2,717.05 22,205.73 6.54 53.47 55 268 13.16 64.11 12,007.20 29,872.54 23.87 59.38 441.92 134.53

16 > 10,000 20,000 15,000 634 6,052 9.08 86.64 7,403.30 29,609.04 17.83 71.29 46 314 11.00 75.12 12,090.65 41,963.19 24.03 83.42 163.31 141.72

17 > 20,000 50,000 35,000 496 6,548 7.10 93.74 6,921.12 36,530.16 16.67 87.96 65 379 15.55 90.67 5,369.56 47,332.75 10.67 94.09 77.58 129.57

18 > 50,000 100,000 75,000 233 6,781 3.34 97.08 2,607.51 39,137.66 6.28 94.24 17 396 4.07 94.74 1,312.02 48,644.77 2.61 96.70 50.32 124.2918 > 50,000 100,000 75,000 233 6,781 3.34 97.08 2,607.51 39,137.66 6.28 94.24 17 396 4.07 94.74 1,312.02 48,644.77 2.61 96.70 50.32 124.29

19 > 100,000 500,000 300,000 164 6,945 2.35 99.43 1,900.40 41,038.06 4.58 98.81 22 418 5.26 100.00 1,661.46 50,306.24 3.30 100.00 87.43 122.58

20 > 500,000 40 6,985 0.57 100.00 492.71 41,530.78 1.19 100.00 0 418 0.00 100.00 0.00 50,306.24 0.00 100.00 0.00 121.13

T O T A L 6,985 41,530.78 418 50,306.24 121.13

Page 5 of 20





1 0 50 25 540 540 7.45 7.45 3,541.12 3,541.12 7.27 7.27 18 18 7.14 7.14 91.93 91.93 0.23 0.23 2.60 2.60

2 > 50 100 75 74 614 1.02 8.47 74.82 3,615.94 0.15 7.42 0 18 0.00 7.14 0.00 91.93 0.00 0.23 0.00 2.54

3 > 100 200 150 191 805 2.63 11.10 252.82 3,868.76 0.52 7.94 4 22 1.59 8.73 205.64 297.57 0.52 0.75 81.34 7.69

4 > 200 300 250 212 1,017 2.92 14.02 319.73 4,188.48 0.66 8.59 11 33 4.37 13.10 539.86 837.44 1.37 2.12 168.85 19.99

5 > 300 500 400 363 1,380 5.01 19.03 491.68 4,680.17 1.01 9.60 2 35 0.79 13.89 24.30 861.74 0.06 2.18 4.94 18.41

LOSS RATIO


rp RP


rp RP ff F



5 > 300 500 400 363 1,380 5.01 19.03 491.68 4,680.17 1.01 9.60 2 35 0.79 13.89 24.30 861.74 0.06 2.18 4.94 18.41

6 > 500 750 625 378 1,758 5.21 24.24 727.96 5,408.12 1.49 11.10 4 39 1.59 15.48 58.80 920.54 0.15 2.33 8.08 17.02

7 > 750 1,000 875 418 2,176 5.76 30.01 944.67 6,352.80 1.94 13.03 16 55 6.35 21.83 1,876.15 2,796.69 4.75 7.08 198.60 44.02

8 > 1,000 1,500 1,250 543 2,719 7.49 37.49 1,415.91 7,768.71 2.90 15.94 10 65 3.97 25.79 4,135.74 6,932.42 10.47 17.55 292.09 89.24

9 > 1,500 2,000 1,750 441 3,160 6.08 43.57 1,400.71 9,169.42 2.87 18.81 8 73 3.17 28.97 421.84 7,354.26 1.07 18.62 30.12 80.20

10 > 2,000 2,500 2,250 327 3,487 4.51 48.08 1,367.54 10,536.96 2.81 21.62 9 82 3.57 32.54 2,117.33 9,471.59 5.36 23.98 154.83 89.89

11 > 2,500 3,000 2,750 321 3,808 4.43 52.51 1,489.16 12,026.11 3.06 24.67 10 92 3.97 36.51 5,830.66 15,302.25 14.76 38.74 391.54 127.24

12 > 3,000 4,000 3,500 450 4,258 6.21 58.71 2,486.44 14,512.55 5.10 29.77 12 104 4.76 41.27 502.16 15,804.40 1.27 40.01 20.20 108.90

13 > 4,000 5,000 4,500 335 4,593 4.62 63.33 2,266.96 16,779.51 4.65 34.43 4 108 1.59 42.86 27.25 15,831.66 0.07 40.08 1.20 94.35

14 > 5,000 7,500 6,250 531 5,124 7.32 70.66 4,485.11 21,264.62 9.20 43.63 9 117 3.57 46.43 4,043.02 19,874.68 10.24 50.32 90.14 93.46

15 > 7,500 10,000 8,750 374 5,498 5.16 75.81 3,919.84 25,184.46 8.04 51.67 21 138 8.33 54.76 2,566.63 22,441.30 6.50 56.82 65.48 89.11

16 > 10,000 20,000 15,000 672 6,170 9.27 85.08 8,574.00 33,758.46 17.59 69.26 34 172 13.49 68.25 11,175.37 33,616.68 28.29 85.11 130.34 99.58

17 > 20,000 50,000 35,000 597 6,767 8.23 93.31 8,324.53 42,082.99 17.08 86.34 50 222 19.84 88.10 3,969.85 37,586.52 10.05 95.16 47.69 89.32

18 > 50,000 100,000 75,000 258 7,025 3.56 96.87 3,138.24 45,221.23 6.44 92.78 15 237 5.95 94.05 1,087.72 38,674.24 2.75 97.92 34.66 85.5218 > 50,000 100,000 75,000 258 7,025 3.56 96.87 3,138.24 45,221.23 6.44 92.78 15 237 5.95 94.05 1,087.72 38,674.24 2.75 97.92 34.66 85.52

19 > 100,000 500,000 300,000 196 7,221 2.70 99.57 3,101.23 48,322.46 6.36 99.14 13 250 5.16 99.21 806.59 39,480.83 2.04 99.96 26.01 81.70

20 > 500,000 31 7,252 0.43 100.00 418.58 48,741.04 0.86 100.00 2 252 0.79 100.00 16.74 39,497.57 0.04 100.00 4.00 81.04

T O T A L 7,252 48,741.04 252 39,497.57 81.04

Page 6 of 20





1 0 50 25 647 647 7.86 7.86 4,292.65 4,292.65 7.47 7.47 18 18 5.57 5.57 135.10 135.10 0.14 0.14 3.15 3.15

2 > 50 100 75 106 753 1.29 9.15 93.80 4,386.45 0.16 7.63 2 20 0.62 6.19 86.89 221.99 0.09 0.23 92.63 5.06

3 > 100 200 150 169 922 2.05 11.21 363.30 4,749.76 0.63 8.26 2 22 0.62 6.81 124.69 346.68 0.13 0.36 34.32 7.30

4 > 200 300 250 197 1,119 2.39 13.60 225.36 4,975.12 0.39 8.65 2 24 0.62 7.43 284.49 631.18 0.30 0.66 126.24 12.69

5 > 300 500 400 368 1,487 4.47 18.07 555.31 5,530.43 0.97 9.62 7 31 2.17 9.60 632.28 1,263.46 0.66 1.32 113.86 22.85

LOSS RATIO


rp RP


rp RP ff F



5 > 300 500 400 368 1,487 4.47 18.07 555.31 5,530.43 0.97 9.62 7 31 2.17 9.60 632.28 1,263.46 0.66 1.32 113.86 22.85

6 > 500 750 625 350 1,837 4.25 22.33 658.62 6,189.04 1.15 10.76 13 44 4.02 13.62 1,586.40 2,849.86 1.65 2.97 240.87 46.05

7 > 750 1,000 875 390 2,227 4.74 27.07 841.03 7,030.07 1.46 12.23 16 60 4.95 18.58 1,408.25 4,258.11 1.47 4.44 167.44 60.57

8 > 1,000 1,500 1,250 540 2,767 6.56 33.63 1,305.21 8,335.28 2.27 14.50 7 67 2.17 20.74 834.20 5,092.30 0.87 5.31 63.91 61.09

9 > 1,500 2,000 1,750 430 3,197 5.23 38.86 1,357.02 9,692.30 2.36 16.86 5 72 1.55 22.29 108.29 5,200.60 0.11 5.42 7.98 53.66

10 > 2,000 2,500 2,250 343 3,540 4.17 43.02 1,281.39 10,973.69 2.23 19.09 8 80 2.48 24.77 5,000.00 10,200.60 5.21 10.64 390.20 92.96

11 > 2,500 3,000 2,750 309 3,849 3.76 46.78 1,338.25 12,311.94 2.33 21.41 4 84 1.24 26.01 2,522.45 12,723.05 2.63 13.27 188.49 103.34

12 > 3,000 4,000 3,500 501 4,350 6.09 52.87 2,432.26 14,744.20 4.23 25.64 13 97 4.02 30.03 6,499.03 19,222.07 6.78 20.05 267.20 130.37

13 > 4,000 5,000 4,500 364 4,714 4.42 57.29 2,265.73 17,009.93 3.94 29.58 16 113 4.95 34.98 4,764.22 23,986.29 4.97 25.02 210.27 141.01

14 > 5,000 7,500 6,250 578 5,292 7.02 64.32 4,170.86 21,180.79 7.25 36.84 15 128 4.64 39.63 10,148.30 34,134.59 10.58 35.60 243.31 161.16

15 > 7,500 10,000 8,750 437 5,729 5.31 69.63 3,639.65 24,820.44 6.33 43.17 15 143 4.64 44.27 202.86 34,337.45 0.21 35.81 5.57 138.34

16 > 10,000 20,000 15,000 849 6,578 10.32 79.95 10,746.48 35,566.93 18.69 61.86 21 164 6.50 50.77 196.36 34,533.80 0.20 36.02 1.83 97.10

17 > 20,000 50,000 35,000 879 7,457 10.68 90.63 10,187.57 45,754.50 17.72 79.58 80 244 24.77 75.54 45,002.70 79,536.50 46.93 82.95 441.74 173.83

18 > 50,000 100,000 75,000 356 7,813 4.33 94.96 4,712.12 50,466.62 8.20 87.77 24 268 7.43 82.97 296.01 79,832.51 0.31 83.26 6.28 158.1918 > 50,000 100,000 75,000 356 7,813 4.33 94.96 4,712.12 50,466.62 8.20 87.77 24 268 7.43 82.97 296.01 79,832.51 0.31 83.26 6.28 158.19

19 > 100,000 500,000 300,000 345 8,158 4.19 99.15 5,254.84 55,721.46 9.14 96.91 28 296 8.67 91.64 7,189.42 87,021.92 7.50 90.75 136.82 156.17

20 > 500,000 70 8,228 0.85 100.00 1,775.70 57,497.16 3.09 100.00 27 323 8.36 100.00 8,865.21 95,887.13 9.25 100.00 499.25 166.77

T O T A L 8,228 57,497.16 323 95,887.13 166.77

Page 7 of 20





1 0 50 25 794 794 8.97 8.97 5,072.92 5,072.92 6.77 6.77 11 11 8.73 8.73 115.37 115.37 0.54 0.54 2.27 2.27

2 > 50 100 75 87 881 0.98 9.95 162.22 5,235.14 0.22 6.99 2 13 1.59 10.32 98.13 213.51 0.46 1.00 60.49 4.08

3 > 100 200 150 183 1,064 2.07 12.01 265.30 5,500.44 0.35 7.34 10 23 7.94 18.25 329.64 543.15 1.54 2.54 124.25 9.87

4 > 200 300 250 197 1,261 2.22 14.24 194.74 5,695.18 0.26 7.60 6 29 4.76 23.02 325.67 868.82 1.52 4.06 167.24 15.26

5 > 300 500 400 362 1,623 4.09 18.33 454.18 6,149.36 0.61 8.21 4 33 3.17 26.19 318.03 1,186.85 1.49 5.54 70.02 19.30

LOSS RATIO


rp RP


rp RP ff F



5 > 300 500 400 362 1,623 4.09 18.33 454.18 6,149.36 0.61 8.21 4 33 3.17 26.19 318.03 1,186.85 1.49 5.54 70.02 19.30

6 > 500 750 625 341 1,964 3.85 22.18 729.60 6,878.96 0.97 9.18 0 33 0.00 26.19 0.00 1,186.85 0.00 5.54 0.00 17.25

7 > 750 1,000 875 403 2,367 4.55 26.73 916.83 7,795.79 1.22 10.40 5 38 3.97 30.16 1,029.45 2,216.30 4.81 10.35 112.28 28.43

8 > 1,000 1,500 1,250 533 2,900 6.02 32.75 1,271.82 9,067.62 1.70 12.10 1 39 0.79 30.95 0.00 2,216.30 0.00 10.35 0.00 24.44

9 > 1,500 2,000 1,750 432 3,332 4.88 37.62 1,357.27 10,424.88 1.81 13.91 3 42 2.38 33.33 1,811.02 4,027.32 8.46 18.81 133.43 38.63

10 > 2,000 2,500 2,250 337 3,669 3.81 41.43 1,309.52 11,734.41 1.75 15.66 4 46 3.17 36.51 1,601.88 5,629.20 7.48 26.29 122.33 47.97

11 > 2,500 3,000 2,750 398 4,067 4.49 45.92 1,476.40 13,210.81 1.97 17.63 1 47 0.79 37.30 0.00 5,629.20 0.00 26.29 0.00 42.61

12 > 3,000 4,000 3,500 471 4,538 5.32 51.24 2,307.82 15,518.63 3.08 20.71 0 47 0.00 37.30 0.00 5,629.20 0.00 26.29 0.00 36.27

13 > 4,000 5,000 4,500 359 4,897 4.05 55.30 3,361.95 18,880.58 4.49 25.19 3 50 2.38 39.68 2,557.06 8,186.26 11.94 38.23 76.06 43.36

14 > 5,000 7,500 6,250 679 5,576 7.67 62.96 8,114.56 26,995.14 10.83 36.02 2 52 1.59 41.27 2.97 8,189.23 0.01 38.25 0.04 30.34

15 > 7,500 10,000 8,750 469 6,045 5.30 68.26 9,572.63 36,567.77 12.77 48.79 9 61 7.14 48.41 10,140.97 18,330.21 47.36 85.61 105.94 50.13

16 > 10,000 20,000 15,000 935 6,980 10.56 78.82 12,846.69 49,414.46 17.14 65.93 18 79 14.29 62.70 1,518.10 19,848.31 7.09 92.70 11.82 40.17

17 > 20,000 50,000 35,000 938 7,918 10.59 89.41 11,369.50 60,783.96 15.17 81.11 10 89 7.94 70.63 670.32 20,518.63 3.13 95.83 5.90 33.76

18 > 50,000 100,000 75,000 411 8,329 4.64 94.05 5,573.76 66,357.72 7.44 88.54 20 109 15.87 86.51 308.58 20,827.21 1.44 97.27 5.54 31.3918 > 50,000 100,000 75,000 411 8,329 4.64 94.05 5,573.76 66,357.72 7.44 88.54 20 109 15.87 86.51 308.58 20,827.21 1.44 97.27 5.54 31.39

19 > 100,000 500,000 300,000 436 8,765 4.92 98.97 7,532.22 73,889.94 10.05 98.59 12 121 9.52 96.03 475.67 21,302.88 2.22 99.49 6.32 28.83

20 > 500,000 91 8,856 1.03 100.00 1,054.53 74,944.47 1.41 100.00 5 126 3.97 100.00 109.55 21,412.44 0.51 100.00 10.39 28.57

T O T A L 8,856 74,944.47 126 21,412.44 28.57

Page 8 of 20



Carton Manufacturing (Pabrik Karton)


1 0 50 25 29 29 6.62 6.62 192.69 192.69 6.50 6.50 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 8 37 1.83 8.45 0.94 193.63 0.03 6.54 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 16 53 3.65 12.10 4.71 198.35 0.16 6.69 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 22 75 5.02 17.12 18.56 216.91 0.63 7.32 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 16 91 3.65 20.78 28.46 245.37 0.96 8.28 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BANDrp RP ff F



LOSS RATIO


rp RP


5 > 300 500 400 16 91 3.65 20.78 28.46 245.37 0.96 8.28 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 13 104 2.97 23.74 16.85 262.22 0.57 8.85 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 18 122 4.11 27.85 34.12 296.34 1.15 10.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 20 142 4.57 32.42 43.22 339.56 1.46 11.46 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 20 162 4.57 36.99 62.17 401.73 2.10 13.56 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 16 178 3.65 40.64 72.91 474.64 2.46 16.02 2 2 14.29 14.29 12.71 12.71 0.69 0.69 17.43 2.68

11 > 2,500 3,000 2,750 13 191 2.97 43.61 73.41 548.05 2.48 18.50 0 2 0.00 14.29 0.00 12.71 0.00 0.69 0.00 2.32

12 > 3,000 4,000 3,500 22 213 5.02 48.63 150.99 699.04 5.10 23.59 0 2 0.00 14.29 0.00 12.71 0.00 0.69 0.00 1.82

13 > 4,000 5,000 4,500 8 221 1.83 50.46 63.92 762.96 2.16 25.75 0 2 0.00 14.29 0.00 12.71 0.00 0.69 0.00 1.67

14 > 5,000 7,500 6,250 25 246 5.71 56.16 190.62 953.58 6.43 32.18 0 2 0.00 14.29 0.00 12.71 0.00 0.69 0.00 1.33

15 > 7,500 10,000 8,750 27 273 6.16 62.33 279.43 1,233.00 9.43 41.61 2 4 14.29 28.57 28.78 41.48 1.56 2.24 10.30 3.36

16 > 10,000 20,000 15,000 32 305 7.31 69.63 129.53 1,362.54 4.37 45.99 0 4 0.00 28.57 0.00 41.48 0.00 2.24 0.00 3.04

17 > 20,000 50,000 35,000 67 372 15.30 84.93 699.54 2,062.07 23.61 69.60 0 4 0.00 28.57 0.00 41.48 0.00 2.24 0.00 2.01

18 > 50,000 100,000 75,000 29 401 6.62 91.55 358.80 2,420.87 12.11 81.71 10 14 71.43 100.00 1,808.43 1,849.91 97.76 100.00 504.02 76.4118 > 50,000 100,000 75,000 29 401 6.62 91.55 358.80 2,420.87 12.11 81.71 10 14 71.43 100.00 1,808.43 1,849.91 97.76 100.00 504.02 76.41

19 > 100,000 500,000 300,000 23 424 5.25 96.80 464.13 2,885.00 15.66 97.37 0 14 0.00 100.00 0.00 1,849.91 0.00 100.00 0.00 64.12

20 > 500,000 14 438 3.20 100.00 77.87 2,962.88 2.63 100.00 0 14 0.00 100.00 0.00 1,849.91 0.00 100.00 0.00 62.44

T O T A L 438 2,962.88 14 1,849.91 62.44

Page 9 of 20





1 0 50 25 36 36 8.05 8.05 188.70 188.70 2.53 2.53 9 9 12.50 12.50 102.54 102.54 2.52 2.52 54.34 54.34

2 > 50 100 75 10 46 2.24 10.29 33.73 222.44 0.45 2.98 0 9 0.00 12.50 0.00 102.54 0.00 2.52 0.00 46.10

3 > 100 200 150 12 58 2.68 12.98 10.94 233.38 0.15 3.13 0 9 0.00 12.50 0.00 102.54 0.00 2.52 0.00 43.94

4 > 200 300 250 10 68 2.24 15.21 6.82 240.19 0.09 3.22 0 9 0.00 12.50 0.00 102.54 0.00 2.52 0.00 42.69

5 > 300 500 400 20 88 4.47 19.69 75.15 315.34 1.01 4.22 14 23 19.44 31.94 907.62 1,010.16 22.35 24.87 1,207,71 320.33



rp RP


fMid PointsBAND

rp RPf F


NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah)PERCENTAGE

5 > 300 500 400 20 88 4.47 19.69 75.15 315.34 1.01 4.22 14 23 19.44 31.94 907.62 1,010.16 22.35 24.87 1,207,71 320.33

6 > 500 750 625 11 99 2.46 22.15 22.51 337.86 0.30 4.52 0 23 0.00 31.94 0.00 1,010.16 0.00 24.87 0.00 298.99

7 > 750 1,000 875 16 115 3.58 25.73 34.40 372.26 0.46 4.98 0 23 0.00 31.94 0.00 1,010.16 0.00 24.87 0.00 271.36

8 > 1,000 1,500 1,250 26 141 5.82 31.54 58.84 431.10 0.79 5.77 0 23 0.00 31.94 0.00 1,010.16 0.00 24.87 0.00 234.32

9 > 1,500 2,000 1,750 15 156 3.36 34.90 56.33 487.44 0.75 6.53 0 23 0.00 31.94 0.00 1,010.16 0.00 24.87 0.00 207.24

10 > 2,000 2,500 2,250 12 168 2.68 37.58 66.70 554.14 0.89 7.42 0 23 0.00 31.94 0.00 1,010.16 0.00 24.87 0.00 182.29

11 > 2,500 3,000 2,750 17 185 3.80 41.39 77.64 631.79 1.04 8.46 0 23 0.00 31.94 0.00 1,010.16 0.00 24.87 0.00 159.89

12 > 3,000 4,000 3,500 18 203 4.03 45.41 112.37 744.15 1.50 9.96 0 23 0.00 31.94 0.00 1,010.16 0.00 24.87 0.00 135.75

13 > 4,000 5,000 4,500 13 216 2.91 48.32 93.66 837.81 1.25 11.22 2 25 2.78 34.72 295.49 1,305.65 7.27 32.14 315.51 155.84

14 > 5,000 7,500 6,250 28 244 6.26 54.59 305.56 1,143.37 4.09 15.31 0 25 0.00 34.72 0.00 1,305.65 0.00 32.14 0.00 114.19

15 > 7,500 10,000 8,750 23 267 5.15 59.73 322.25 1,465.62 4.32 19.63 0 25 0.00 34.72 0.00 1,305.65 0.00 32.14 0.00 89.09

16 > 10,000 20,000 15,000 42 309 9.40 69.13 318.41 1,784.04 4.26 23.89 7 32 9.72 44.44 129.90 1,435.55 3.20 35.34 40.80 80.47

17 > 20,000 50,000 35,000 57 366 12.75 81.88 612.23 2,396.26 8.20 32.09 12 44 16.67 61.11 1,456.17 2,891.72 35.85 71.19 237.85 120.68

18 > 50,000 100,000 75,000 29 395 6.49 88.37 536.41 2,932.67 7.18 39.27 28 72 38.89 100.00 1,170.12 4,061.84 28.81 100.00 218.14 138.5018 > 50,000 100,000 75,000 29 395 6.49 88.37 536.41 2,932.67 7.18 39.27 28 72 38.89 100.00 1,170.12 4,061.84 28.81 100.00 218.14 138.50

19 > 100,000 500,000 300,000 37 432 8.28 96.64 815.98 3,748.65 10.93 50.20 0 72 0.00 100.00 0.00 4,061.84 0.00 100.00 0.00 108.35

20 > 500,000 15 447 3.36 100.00 3,719.05 7,467.70 49.80 100.00 0 72 0.00 100.00 0.00 4,061.84 0.00 100.00 0.00 54.39

T O T A L 447 7,467.70 72 4,061.84 54.39

Page 10 of 20





1 0 50 25 22 22 5.16 5.16 117.12 117.12 3.16 3.16 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 8 30 1.88 7.04 0.86 117.98 0.02 3.18 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 12 42 2.82 9.86 3.90 121.88 0.11 3.29 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 5 47 1.17 11.03 4.20 126.09 0.11 3.40 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 22 69 5.16 16.20 28.21 154.30 0.76 4.16 12 12 27.27 27.27 434.89 434.89 0.91 0.91 1,541,40 281.84



rp RP


fMid PointsBAND

rp RPf F



5 > 300 500 400 22 69 5.16 16.20 28.21 154.30 0.76 4.16 12 12 27.27 27.27 434.89 434.89 0.91 0.91 1,541,40 281.84

6 > 500 750 625 11 80 2.58 18.78 18.38 172.68 0.50 4.65 0 12 0.00 27.27 0.00 434.89 0.00 0.91 0.00 251.84

7 > 750 1,000 875 20 100 4.69 23.47 60.14 232.82 1.62 6.28 0 12 0.00 27.27 0.00 434.89 0.00 0.91 0.00 186.79

8 > 1,000 1,500 1,250 22 122 5.16 28.64 36.10 268.92 0.97 7.25 0 12 0.00 27.27 0.00 434.89 0.00 0.91 0.00 161.72

9 > 1,500 2,000 1,750 28 150 6.57 35.21 63.79 332.71 1.72 8.97 3 15 6.82 34.09 243.13 678.02 0.51 1.42 381.17 203.79

10 > 2,000 2,500 2,250 5 155 1.17 36.38 25.10 357.81 0.68 9.64 0 15 0.00 34.09 0.00 678.02 0.00 1.42 0.00 189.49

11 > 2,500 3,000 2,750 7 162 1.64 38.03 24.21 382.01 0.65 10.30 0 15 0.00 34.09 0.00 678.02 0.00 1.42 0.00 177.49

12 > 3,000 4,000 3,500 18 180 4.23 42.25 85.51 467.52 2.30 12.60 0 15 0.00 34.09 0.00 678.02 0.00 1.42 0.00 145.02

13 > 4,000 5,000 4,500 16 196 3.76 46.01 67.98 535.50 1.83 14.43 0 15 0.00 34.09 0.00 678.02 0.00 1.42 0.00 126.61

14 > 5,000 7,500 6,250 20 216 4.69 50.70 224.34 759.84 6.05 20.48 4 19 9.09 43.18 622.58 1,300.60 1.30 2.71 277.52 171.17

15 > 7,500 10,000 8,750 18 234 4.23 54.93 217.49 977.33 5.86 26.34 0 19 0.00 43.18 0.00 1,300.60 0.00 2.71 0.00 133.08

16 > 10,000 20,000 15,000 40 274 9.39 64.32 404.51 1,381.84 10.90 37.24 4 23 9.09 52.27 533.18 1,833.78 1.11 3.83 131.81 132.71

17 > 20,000 50,000 35,000 69 343 16.20 80.52 928.10 2,309.94 25.01 62.26 17 40 38.64 90.91 1,085.03 2,918.81 2.26 6.09 116.91 126.36

18 > 50,000 100,000 75,000 31 374 7.28 87.79 494.06 2,804.00 13.32 75.57 4 44 9.09 100.00 44,990.20 47,909.02 93.91 100.00 9,106,15 1,708,59 18 > 50,000 100,000 75,000 31 374 7.28 87.79 494.06 2,804.00 13.32 75.57 4 44 9.09 100.00 44,990.20 47,909.02 93.91 100.00 9,106,15 1,708,59

19 > 100,000 500,000 300,000 42 416 9.86 97.65 794.74 3,598.75 21.42 96.99 0 44 0.00 100.00 0.00 47,909.02 0.00 100.00 0.00 1,331,27

20 > 500,000 10 426 2.35 100.00 111.57 3,710.32 3.01 100.00 0 44 0.00 100.00 0.00 47,909.02 0.00 100.00 0.00 1,291,24

T O T A L 426 3,710.32 44 47,909.02 1,291,24

Page 11 of 20





1 0 50 25 51 51 11.33 11.33 341.92 341.92 7.68 7.68 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 2 53 0.44 11.78 0.61 342.54 0.01 7.69 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 9 62 2.00 13.78 7.12 349.66 0.16 7.85 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 3 65 0.67 14.44 8.93 358.60 0.20 8.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 17 82 3.78 18.22 29.06 387.66 0.65 8.71 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00



rp RP


fMid PointsBAND

rp RPf F



5 > 300 500 400 17 82 3.78 18.22 29.06 387.66 0.65 8.71 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 10 92 2.22 20.44 12.94 400.59 0.29 9.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 18 110 4.00 24.44 56.92 457.51 1.28 10.28 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 21 131 4.67 29.11 38.35 495.86 0.86 11.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 19 150 4.22 33.33 49.36 545.22 1.11 12.25 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 5 155 1.11 34.44 30.77 575.99 0.69 12.94 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 8 163 1.78 36.22 27.86 603.84 0.63 13.56 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 > 3,000 4,000 3,500 16 179 3.56 39.78 71.82 675.66 1.61 15.18 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 > 4,000 5,000 4,500 18 197 4.00 43.78 267.87 943.53 6.02 21.19 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 > 5,000 7,500 6,250 36 233 8.00 51.78 296.69 1,240.22 6.66 27.86 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 > 7,500 10,000 8,750 13 246 2.89 54.67 137.62 1,377.83 3.09 30.95 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 > 10,000 20,000 15,000 51 297 11.33 66.00 774.06 2,151.90 17.39 48.34 2 2 22.22 22.22 0.00 0.00 0.00 0.00 0.00 0.00

17 > 20,000 50,000 35,000 53 350 11.78 77.78 684.91 2,836.81 15.38 63.72 2 4 22.22 44.44 0.00 0.00 0.00 0.00 0.00 0.00

18 > 50,000 100,000 75,000 41 391 9.11 86.89 748.98 3,585.79 16.82 80.55 5 9 55.56 100.00 503.03 503.03 100.00 100.00 67.16 14.0318 > 50,000 100,000 75,000 41 391 9.11 86.89 748.98 3,585.79 16.82 80.55 5 9 55.56 100.00 503.03 503.03 100.00 100.00 67.16 14.03

19 > 100,000 500,000 300,000 53 444 11.78 98.67 807.06 4,392.85 18.13 98.67 0 9 0.00 100.00 0.00 503.03 0.00 100.00 0.00 11.45

20 > 500,000 6 450 1.33 100.00 59.02 4,451.87 1.33 100.00 0 9 0.00 100.00 0.00 503.03 0.00 100.00 0.00 11.30

T O T A L 450 4,451.87 9 503.03 11.30

Page 12 of 20



Producers of Wines, Fruit Juices and Mineral Water (Pabrik Anggur, Jus Buah dan Air Mineral)


1 0 50 25 78 78 9.96 9.96 297.55 297.55 10.46 10.46 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 35 113 4.47 14.43 5.96 303.51 0.21 10.67 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 77 190 9.83 24.27 71.33 374.85 2.51 13.18 3 3 13.04 13.04 4.76 4.76 0.18 0.18 6.68 1.27

4 > 200 300 250 48 238 6.13 30.40 22.84 397.69 0.80 13.98 0 3 0.00 13.04 0.00 4.76 0.00 0.18 0.00 1.20

5 > 300 500 400 59 297 7.54 37.93 29.93 427.62 1.05 15.03 10 13 43.48 56.52 42.49 47.26 1.60 1.78 142.00 11.05

LOSS RATIO


rp RP


rp RP ff F



5 > 300 500 400 59 297 7.54 37.93 29.93 427.62 1.05 15.03 10 13 43.48 56.52 42.49 47.26 1.60 1.78 142.00 11.05

6 > 500 750 625 64 361 8.17 46.10 56.61 484.22 1.99 17.02 0 13 0.00 56.52 0.00 47.26 0.00 1.78 0.00 9.76

7 > 750 1,000 875 42 403 5.36 51.47 45.26 529.49 1.59 18.61 0 13 0.00 56.52 0.00 47.26 0.00 1.78 0.00 8.92

8 > 1,000 1,500 1,250 56 459 7.15 58.62 78.15 607.64 2.75 21.36 0 13 0.00 56.52 0.00 47.26 0.00 1.78 0.00 7.78

9 > 1,500 2,000 1,750 41 500 5.24 63.86 78.09 685.72 2.74 24.10 0 13 0.00 56.52 0.00 47.26 0.00 1.78 0.00 6.89

10 > 2,000 2,500 2,250 27 527 3.45 67.31 77.82 763.54 2.74 26.84 3 16 13.04 69.57 2,466.77 2,514.03 92.96 94.74 3,169,96 329.26

11 > 2,500 3,000 2,750 25 552 3.19 70.50 61.59 825.13 2.16 29.00 0 16 0.00 69.57 0.00 2,514.03 0.00 94.74 0.00 304.68

12 > 3,000 4,000 3,500 32 584 4.09 74.58 140.88 966.01 4.95 33.96 0 16 0.00 69.57 0.00 2,514.03 0.00 94.74 0.00 260.25

13 > 4,000 5,000 4,500 24 608 3.07 77.65 103.83 1,069.84 3.65 37.60 2 18 8.70 78.26 120.10 2,634.13 4.53 99.27 115.67 246.22

14 > 5,000 7,500 6,250 39 647 4.98 82.63 173.15 1,242.99 6.09 43.69 0 18 0.00 78.26 0.00 2,634.13 0.00 99.27 0.00 211.92

15 > 7,500 10,000 8,750 27 674 3.45 86.08 251.32 1,494.30 8.83 52.52 0 18 0.00 78.26 0.00 2,634.13 0.00 99.27 0.00 176.28

16 > 10,000 20,000 15,000 53 727 6.77 92.85 533.45 2,027.75 18.75 71.28 3 21 13.04 91.30 11.03 2,645.15 0.42 99.68 2.07 130.45

17 > 20,000 50,000 35,000 17 744 2.17 95.02 256.23 2,283.98 9.01 80.28 0 21 0.00 91.30 0.00 2,645.15 0.00 99.68 0.00 115.81

18 > 50,000 100,000 75,000 20 764 2.55 97.57 317.69 2,601.67 11.17 91.45 0 21 0.00 91.30 0.00 2,645.15 0.00 99.68 0.00 101.6718 > 50,000 100,000 75,000 20 764 2.55 97.57 317.69 2,601.67 11.17 91.45 0 21 0.00 91.30 0.00 2,645.15 0.00 99.68 0.00 101.67

19 > 100,000 500,000 300,000 16 780 2.04 99.62 209.98 2,811.65 7.38 98.83 0 21 0.00 91.30 0.00 2,645.15 0.00 99.68 0.00 94.08

20 > 500,000 3 783 0.38 100.00 33.29 2,844.94 1.17 100.00 2 23 8.70 100.00 8.37 2,653.52 0.32 100.00 25.13 93.27

T O T A L 783 2,844.94 23 2,653.52 93.27

Page 13 of 20





1 0 50 25 94 94 9.51 9.51 307.82 307.82 8.53 8.53 2 2 7.69 7.69 12.75 12.75 1.98 1.98 4.14 4.14

2 > 50 100 75 41 135 4.15 13.66 7.37 315.19 0.20 8.74 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 4.05

3 > 100 200 150 69 204 6.98 20.65 17.86 333.06 0.50 9.23 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 3.83

4 > 200 300 250 49 253 4.96 25.61 21.95 355.01 0.61 9.84 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 3.59

5 > 300 500 400 82 335 8.30 33.91 50.78 405.79 1.41 11.25 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 3.14

LOSS RATIO


rp RP


rp RP ff F



5 > 300 500 400 82 335 8.30 33.91 50.78 405.79 1.41 11.25 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 3.14

6 > 500 750 625 78 413 7.89 41.80 94.67 500.46 2.62 13.87 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 2.55

7 > 750 1,000 875 54 467 5.47 47.27 91.55 592.00 2.54 16.41 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 2.15

8 > 1,000 1,500 1,250 73 540 7.39 54.66 173.77 765.77 4.82 21.23 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 1.67

9 > 1,500 2,000 1,750 60 600 6.07 60.73 136.28 902.05 3.78 25.01 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 1.41

10 > 2,000 2,500 2,250 29 629 2.94 63.66 82.40 984.45 2.28 27.29 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 1.30

11 > 2,500 3,000 2,750 34 663 3.44 67.11 83.62 1,068.07 2.32 29.61 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 1.19

12 > 3,000 4,000 3,500 54 717 5.47 72.57 166.28 1,234.35 4.61 34.22 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 1.03

13 > 4,000 5,000 4,500 35 752 3.54 76.11 134.14 1,368.49 3.72 37.94 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 0.93

14 > 5,000 7,500 6,250 47 799 4.76 80.87 245.78 1,614.27 6.81 44.75 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 0.79

15 > 7,500 10,000 8,750 28 827 2.83 83.70 196.07 1,810.34 5.44 50.19 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 0.70

16 > 10,000 20,000 15,000 73 900 7.39 91.09 751.15 2,561.50 20.82 71.01 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 0.50

17 > 20,000 50,000 35,000 41 941 4.15 95.24 541.80 3,103.30 15.02 86.03 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 0.41

18 > 50,000 100,000 75,000 21 962 2.13 97.37 187.93 3,291.23 5.21 91.24 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 0.3918 > 50,000 100,000 75,000 21 962 2.13 97.37 187.93 3,291.23 5.21 91.24 0 2 0.00 7.69 0.00 12.75 0.00 1.98 0.00 0.39

19 > 100,000 500,000 300,000 20 982 2.02 99.39 265.34 3,556.57 7.36 98.60 12 14 46.15 53.85 296.26 309.01 46.00 47.98 111.65 8.69

20 > 500,000 6 988 0.61 100.00 50.63 3,607.20 1.40 100.00 12 26 46.15 100.00 335.03 644.04 52.02 100.00 661.71 17.85

T O T A L 988 3,607.20 26 644.04 17.85

Page 14 of 20





1 0 50 25 111 111 10.25 10.25 352.99 352.99 7.90 7.90 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 43 154 3.97 14.22 11.47 364.46 0.26 8.16 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 82 236 7.57 21.79 24.50 388.97 0.55 8.71 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 57 293 5.26 27.05 20.36 409.33 0.46 9.16 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

LOSS RATIO


rp RP


rp RP ff F



5 > 300 500 400 56 349 5.17 32.23 38.80 448.13 0.87 10.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 71 420 6.56 38.78 60.23 508.36 1.35 11.38 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 53 473 4.89 43.67 54.90 563.26 1.23 12.61 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 74 547 6.83 50.51 184.71 747.97 4.14 16.74 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 47 594 4.34 54.85 96.98 844.96 2.17 18.92 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 29 623 2.68 57.53 108.86 953.82 2.44 21.35 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 32 655 2.95 60.48 78.35 1,032.17 1.75 23.11 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12 > 3,000 4,000 3,500 48 703 4.43 64.91 124.52 1,156.69 2.79 25.89 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

13 > 4,000 5,000 4,500 37 740 3.42 68.33 110.23 1,266.92 2.47 28.36 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

14 > 5,000 7,500 6,250 43 783 3.97 72.30 161.68 1,428.61 3.62 31.98 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15 > 7,500 10,000 8,750 40 823 3.69 75.99 261.58 1,690.19 5.86 37.84 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

16 > 10,000 20,000 15,000 78 901 7.20 83.19 722.22 2,412.41 16.17 54.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17 > 20,000 50,000 35,000 77 978 7.11 90.30 865.88 3,278.29 19.38 73.39 4 4 50.00 50.00 12,300.00 12,300.00 70.10 70.10 1,420,51 375.2017 > 20,000 50,000 35,000 77 978 7.11 90.30 865.88 3,278.29 19.38 73.39 4 4 50.00 50.00 12,300.00 12,300.00 70.10 70.10 1,420,51 375.20

18 > 50,000 100,000 75,000 44 1,022 4.06 94.37 612.00 3,890.29 13.70 87.09 0 4 0.00 50.00 0.00 12,300.00 0.00 70.10 0.00 316.17

19 > 100,000 500,000 300,000 47 1,069 4.34 98.71 451.40 4,341.69 10.11 97.20 4 8 50.00 100.00 5,247.27 17,547.27 29.90 100.00 1,162,44 404.16

20 > 500,000 14 1,083 1.29 100.00 125.29 4,466.98 2.80 100.00 0 8 0.00 100.00 0.00 17,547.27 0.00 100.00 0.00 392.82

T O T A L 1,083 4,466.98 8 17,547.27 392.82

Page 15 of 20





1 0 50 25 116 116 7.88 7.88 458.17 458.17 7.44 7.44 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 > 50 100 75 38 154 2.58 10.45 4.96 463.14 0.08 7.52 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3 > 100 200 150 61 215 4.14 14.60 15.03 478.17 0.24 7.77 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 > 200 300 250 77 292 5.23 19.82 25.73 503.90 0.42 8.19 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5 > 300 500 400 114 406 7.74 27.56 69.51 573.41 1.13 9.32 1 1 9.09 9.09 0.00 0.00 0.00 0.00 0.00 0.00

LOSS RATIO


rp RP


rp RP ff F



5 > 300 500 400 114 406 7.74 27.56 69.51 573.41 1.13 9.32 1 1 9.09 9.09 0.00 0.00 0.00 0.00 0.00 0.00

6 > 500 750 625 112 518 7.60 35.17 73.42 646.83 1.19 10.51 1 2 9.09 18.18 0.00 0.00 0.00 0.00 0.00 0.00

7 > 750 1,000 875 97 615 6.59 41.75 97.25 744.08 1.58 12.09 1 3 9.09 27.27 0.00 0.00 0.00 0.00 0.00 0.00

8 > 1,000 1,500 1,250 83 698 5.63 47.39 120.35 864.43 1.96 14.04 0 3 0.00 27.27 0.00 0.00 0.00 0.00 0.00 0.00

9 > 1,500 2,000 1,750 66 764 4.48 51.87 88.29 952.72 1.43 15.48 0 3 0.00 27.27 0.00 0.00 0.00 0.00 0.00 0.00

10 > 2,000 2,500 2,250 49 813 3.33 55.19 102.21 1,054.94 1.66 17.14 0 3 0.00 27.27 0.00 0.00 0.00 0.00 0.00 0.00

11 > 2,500 3,000 2,750 58 871 3.94 59.13 139.05 1,193.99 2.26 19.40 3 6 27.27 54.55 1.89 1.89 4.37 4.37 1.36 0.16

12 > 3,000 4,000 3,500 73 944 4.96 64.09 260.66 1,454.65 4.23 23.63 3 9 27.27 81.82 28.77 30.66 66.54 70.91 11.04 2.11

13 > 4,000 5,000 4,500 57 1,001 3.87 67.96 183.29 1,637.95 2.98 26.61 0 9 0.00 81.82 0.00 30.66 0.00 70.91 0.00 1.87

14 > 5,000 7,500 6,250 79 1,080 5.36 73.32 329.60 1,967.54 5.35 31.96 2 11 18.18 100.00 12.58 43.23 29.09 100.00 3.82 2.20

15 > 7,500 10,000 8,750 57 1,137 3.87 77.19 336.78 2,304.32 5.47 37.44 0 11 0.00 100.00 0.00 43.23 0.00 100.00 0.00 1.88

16 > 10,000 20,000 15,000 94 1,231 6.38 83.57 804.25 3,108.57 13.07 50.50 0 11 0.00 100.00 0.00 43.23 0.00 100.00 0.00 1.39

17 > 20,000 50,000 35,000 111 1,342 7.54 91.11 1,656.15 4,764.72 26.91 77.41 0 11 0.00 100.00 0.00 43.23 0.00 100.00 0.00 0.91

18 > 50,000 100,000 75,000 58 1,400 3.94 95.04 492.60 5,257.33 8.00 85.41 0 11 0.00 100.00 0.00 43.23 0.00 100.00 0.00 0.8218 > 50,000 100,000 75,000 58 1,400 3.94 95.04 492.60 5,257.33 8.00 85.41 0 11 0.00 100.00 0.00 43.23 0.00 100.00 0.00 0.82

19 > 100,000 500,000 300,000 62 1,462 4.21 99.25 793.73 6,051.05 12.89 98.30 0 11 0.00 100.00 0.00 43.23 0.00 100.00 0.00 0.71

20 > 500,000 11 1,473 0.75 100.00 104.46 6,155.51 1.70 100.00 0 11 0.00 100.00 0.00 43.23 0.00 100.00 0.00 0.70

T O T A L 1,473 6,155.51 11 43.23 0.70

Page 16 of 20



Private Warehouse and Storehouse - Subject to Warranty A (Gudang Pribadi)


1 0 50 25 11,281 11,281 12.24 12.24 14,184.01 14,184.01 7.27 7.27 20 20 1.37 1.37 115.39 115.39 0.08 0.08 0.81 0.81

2 > 50 100 75 7,326 18,607 7.95 20.19 1,961.78 16,145.79 1.00 8.27 26 46 1.78 3.15 393.26 508.65 0.28 0.37 20.05 3.15

3 > 100 200 150 10,145 28,752 11.01 31.20 4,258.76 20,404.55 2.18 10.45 47 93 3.22 6.37 1,003.84 1,512.49 0.72 1.09 23.57 7.41

4 > 200 300 250 7,891 36,643 8.56 39.77 4,935.17 25,339.72 2.53 12.98 39 132 2.67 9.05 2,412.00 3,924.48 1.74 2.83 48.87 15.49

BANDrp RP ff F



LOSS RATIO


rp RP


4 > 200 300 250 7,891 36,643 8.56 39.77 4,935.17 25,339.72 2.53 12.98 39 132 2.67 9.05 2,412.00 3,924.48 1.74 2.83 48.87 15.49

5 > 300 500 400 12,005 48,648 13.03 52.79 11,663.80 37,003.53 5.97 18.95 265 397 18.16 27.21 8,008.79 11,933.27 5.78 8.61 68.66 32.25

6 > 500 750 625 8,188 56,836 8.89 61.68 10,202.25 47,205.77 5.23 24.18 64 461 4.39 31.60 10,133.33 22,066.60 7.32 15.93 99.32 46.75

7 > 750 1,000 875 7,012 63,848 7.61 69.29 12,516.10 59,721.87 6.41 30.59 82 543 5.62 37.22 5,547.28 27,613.88 4.00 19.93 44.32 46.24

8 > 1,000 1,500 1,250 6,743 70,591 7.32 76.61 15,185.73 74,907.60 7.78 38.37 98 641 6.72 43.93 9,090.46 36,704.34 6.56 26.50 59.86 49.00

9 > 1,500 2,000 1,750 4,374 74,965 4.75 81.35 13,158.69 88,066.29 6.74 45.11 51 692 3.50 47.43 5,226.06 41,930.40 3.77 30.27 39.72 47.61

10 > 2,000 2,500 2,250 2,656 77,621 2.88 84.24 10,248.12 98,314.41 5.25 50.36 45 737 3.08 50.51 7,292.34 49,222.74 5.26 35.53 71.16 50.07

11 > 2,500 3,000 2,750 2,163 79,784 2.35 86.58 9,651.83 107,966.24 4.94 55.30 23 760 1.58 52.09 1,217.95 50,440.69 0.88 36.41 12.62 46.72

12 > 3,000 4,000 3,500 2,495 82,279 2.71 89.29 11,748.04 119,714.28 6.02 61.32 49 809 3.36 55.45 5,923.94 56,364.63 4.28 40.69 50.42 47.08

13 > 4,000 5,000 4,500 1,832 84,111 1.99 91.28 10,700.13 130,414.41 5.48 66.80 43 852 2.95 58.40 10,002.43 66,367.05 7.22 47.91 93.48 50.89

14 > 5,000 7,500 6,250 2,309 86,420 2.51 93.79 15,451.66 145,866.07 7.91 74.72 67 919 4.59 62.99 8,408.78 74,775.83 6.07 53.98 54.42 51.26

15 > 7,500 10,000 8,750 1,489 87,909 1.62 95.40 11,514.53 157,380.60 5.90 80.62 81 1,000 5.55 68.54 16,899.77 91,675.60 12.20 66.18 146.77 58.25

16 > 10,000 20,000 15,000 2,024 89,933 2.20 97.60 18,249.94 175,630.54 9.35 89.96 120 1,120 8.22 76.76 26,578.37 118,253.98 19.19 85.37 145.64 67.33

17 > 20,000 50,000 35,000 1,347 91,280 1.46 99.06 12,780.66 188,411.19 6.55 96.51 233 1,353 15.97 92.73 10,413.86 128,667.84 7.52 92.88 81.48 68.2917 > 20,000 50,000 35,000 1,347 91,280 1.46 99.06 12,780.66 188,411.19 6.55 96.51 233 1,353 15.97 92.73 10,413.86 128,667.84 7.52 92.88 81.48 68.29

18 > 50,000 100,000 75,000 397 91,677 0.43 99.49 2,445.16 190,856.35 1.25 97.76 39 1,392 2.67 95.41 1,606.02 130,273.85 1.16 94.04 65.68 68.26

19 > 100,000 500,000 300,000 364 92,041 0.40 99.89 3,410.14 194,266.49 1.75 99.51 50 1,442 3.43 98.83 6,369.93 136,643.78 4.60 98.64 186.79 70.34

20 > 500,000 105 92,146 0.11 100.00 958.15 195,224.64 0.49 100.00 17 1,459 1.17 100.00 1,882.12 138,525.90 1.36 100.00 196.43 70.96

T O T A L 92,146 195,224.64 1,459 138,525.90 70.96

Page 17 of 20





1 0 50 25 10,978 10,978 11.31 11.31 13,265.24 13,265.24 5.81 5.81 66 66 5.82 5.82 678.72 678.72 0.31 0.31 5.12 5.12

2 > 50 100 75 6,615 17,593 6.82 18.13 1,871.81 15,137.04 0.82 6.62 46 112 4.06 9.88 788.92 1,467.64 0.37 0.68 42.15 9.70

3 > 100 200 150 10,057 27,650 10.36 28.49 4,378.07 19,515.11 1.92 8.54 37 149 3.26 13.14 1,226.79 2,694.43 0.57 1.25 28.02 13.81



rp RP


f


Mid PointsBANDrp RPf F



3 > 100 200 150 10,057 27,650 10.36 28.49 4,378.07 19,515.11 1.92 8.54 37 149 3.26 13.14 1,226.79 2,694.43 0.57 1.25 28.02 13.81

4 > 200 300 250 8,146 35,796 8.39 36.89 5,225.41 24,740.52 2.29 10.83 33 182 2.91 16.05 1,894.08 4,588.52 0.88 2.12 36.25 18.55

5 > 300 500 400 12,117 47,913 12.49 49.38 11,354.08 36,094.59 4.97 15.80 44 226 3.88 19.93 2,352.91 6,941.43 1.09 3.21 20.72 19.23

6 > 500 750 625 8,510 56,423 8.77 58.15 10,659.37 46,753.96 4.66 20.46 65 291 5.73 25.66 4,565.29 11,506.72 2.11 5.33 42.83 24.61

7 > 750 1,000 875 7,509 63,932 7.74 65.88 13,110.40 59,864.36 5.74 26.20 55 346 4.85 30.51 5,454.70 16,961.42 2.53 7.85 41.61 28.33

8 > 1,000 1,500 1,250 7,387 71,319 7.61 73.50 16,148.22 76,012.58 7.07 33.27 75 421 6.61 37.13 7,380.16 24,341.57 3.42 11.27 45.70 32.02

9 > 1,500 2,000 1,750 5,151 76,470 5.31 78.80 14,803.66 90,816.24 6.48 39.74 138 559 12.17 49.29 10,236.61 34,578.18 4.74 16.01 69.15 38.07

10 > 2,000 2,500 2,250 2,995 79,465 3.09 81.89 10,604.93 101,421.17 4.64 44.38 40 599 3.53 52.82 5,610.30 40,188.48 2.60 18.61 52.90 39.63

11 > 2,500 3,000 2,750 2,534 81,999 2.61 84.50 10,815.75 112,236.92 4.73 49.12 41 640 3.62 56.44 7,600.20 47,788.68 3.52 22.12 70.27 42.58

12 > 3,000 4,000 3,500 2,967 84,966 3.06 87.56 13,771.56 126,008.48 6.03 55.14 22 662 1.94 58.38 1,522.10 49,310.79 0.70 22.83 11.05 39.13

13 > 4,000 5,000 4,500 2,115 87,081 2.18 89.74 12,258.82 138,267.30 5.36 60.51 46 708 4.06 62.43 6,879.91 56,190.69 3.19 26.01 56.12 40.64

14 > 5,000 7,500 6,250 2,754 89,835 2.84 92.58 17,755.79 156,023.09 7.77 68.28 93 801 8.20 70.63 25,884.50 82,075.19 11.98 38.00 145.78 52.60

15 > 7,500 10,000 8,750 1,820 91,655 1.88 94.45 14,397.05 170,420.15 6.30 74.58 32 833 2.82 73.46 10,765.93 92,841.12 4.98 42.98 74.78 54.48

16 > 10,000 20,000 15,000 2,644 94,299 2.72 97.18 26,999.51 197,419.66 11.82 86.40 91 924 8.02 81.48 31,105.94 123,947.06 14.40 57.38 115.21 62.78

17 > 20,000 50,000 35,000 1,774 96,073 1.83 99.01 19,671.81 217,091.47 8.61 95.00 115 1,039 10.14 91.62 16,134.67 140,081.72 7.47 64.85 82.02 64.53

18 > 50,000 100,000 75,000 580 96,653 0.60 99.60 6,430.10 223,521.57 2.81 97.82 37 1,076 3.26 94.89 1,928.19 142,009.91 0.89 65.74 29.99 63.53

19 > 100,000 500,000 300,000 334 96,987 0.34 99.95 4,494.71 228,016.28 1.97 99.79 20 1,096 1.76 96.65 73,123.10 215,133.01 33.85 99.60 1,626,87 94.35

20 > 500,000 51 97,038 0.05 100.00 489.28 228,505.56 0.21 100.00 38 1,134 3.35 100.00 871.59 216,004.59 0.40 100.00 178.14 94.53

T O T A L 97,038 228,505.56 1,134 216,004.59 94.53

Page 18 of 20





1 0 50 25 13,941 13,941 12.95 12.95 23,428.49 23,428.49 8.48 8.48 63 63 7.38 7.38 567.57 567.57 0.62 0.62 2.42 2.42

2 > 50 100 75 6,973 20,914 6.48 19.43 1,450.78 24,879.27 0.53 9.01 18 81 2.11 9.48 246.75 814.32 0.27 0.89 17.01 3.27

3 > 100 200 150 10,129 31,043 9.41 28.85 3,996.24 28,875.51 1.45 10.45 26 107 3.04 12.53 946.33 1,760.65 1.03 1.92 23.68 6.10

4 > 200 300 250 7,693 38,736 7.15 35.99 4,212.33 33,087.84 1.52 11.98 24 131 2.81 15.34 861.34 2,622.00 0.94 2.86 20.45 7.92

5 > 300 500 400 11,390 50,126 10.58 46.58 19,648.55 52,736.39 7.11 19.09 68 199 7.96 23.30 5,081.20 7,703.20 5.54 8.39 25.86 14.61



rp RP


fMid PointsBAND

rp RPf F



5 > 300 500 400 11,390 50,126 10.58 46.58 19,648.55 52,736.39 7.11 19.09 68 199 7.96 23.30 5,081.20 7,703.20 5.54 8.39 25.86 14.61

6 > 500 750 625 8,148 58,274 7.57 54.15 9,073.93 61,810.33 3.28 22.37 42 241 4.92 28.22 1,903.73 9,606.92 2.07 10.47 20.98 15.54

7 > 750 1,000 875 7,300 65,574 6.78 60.93 11,192.44 73,002.76 4.05 26.42 43 284 5.04 33.26 3,340.91 12,947.84 3.64 14.10 29.85 17.74

8 > 1,000 1,500 1,250 7,333 72,907 6.81 67.75 14,316.61 87,319.37 5.18 31.61 51 335 5.97 39.23 3,459.36 16,407.20 3.77 17.87 24.16 18.79

9 > 1,500 2,000 1,750 5,091 77,998 4.73 72.48 12,933.13 100,252.50 4.68 36.29 31 366 3.63 42.86 4,453.48 20,860.68 4.85 22.72 34.43 20.81

10 > 2,000 2,500 2,250 3,380 81,378 3.14 75.62 10,054.25 110,306.75 3.64 39.93 9 375 1.05 43.91 4,937.59 25,798.27 5.38 28.10 49.11 23.39

11 > 2,500 3,000 2,750 3,026 84,404 2.81 78.43 9,819.80 120,126.55 3.55 43.48 22 397 2.58 46.49 3,228.86 29,027.13 3.52 31.62 32.88 24.16

12 > 3,000 4,000 3,500 3,740 88,144 3.48 81.91 14,049.99 134,176.53 5.09 48.57 48 445 5.62 52.11 7,688.10 36,715.23 8.38 40.00 54.72 27.36

13 > 4,000 5,000 4,500 3,095 91,239 2.88 84.78 12,398.58 146,575.11 4.49 53.05 34 479 3.98 56.09 1,428.97 38,144.21 1.56 41.55 11.53 26.02

14 > 5,000 7,500 6,250 3,891 95,130 3.62 88.40 20,599.51 167,174.62 7.46 60.51 85 564 9.95 66.04 14,698.04 52,842.25 16.01 57.56 71.35 31.61

15 > 7,500 10,000 8,750 2,964 98,094 2.75 91.15 18,368.11 185,542.73 6.65 67.16 39 603 4.57 70.61 6,058.04 58,900.29 6.60 64.16 32.98 31.74

16 > 10,000 20,000 15,000 4,414 102,508 4.10 95.25 33,699.88 219,242.61 12.20 79.36 112 715 13.11 83.72 22,530.07 81,430.36 24.54 88.71 66.86 37.14

17 > 20,000 50,000 35,000 3,082 105,590 2.86 98.12 27,565.25 246,807.87 9.98 89.33 74 789 8.67 92.39 6,888.68 88,319.04 7.50 96.21 24.99 35.78

18 > 50,000 100,000 75,000 1,102 106,692 1.02 99.14 12,794.14 259,602.01 4.63 93.96 24 813 2.81 95.20 1,807.67 90,126.71 1.97 98.18 14.13 34.7218 > 50,000 100,000 75,000 1,102 106,692 1.02 99.14 12,794.14 259,602.01 4.63 93.96 24 813 2.81 95.20 1,807.67 90,126.71 1.97 98.18 14.13 34.72

19 > 100,000 500,000 300,000 824 107,516 0.77 99.91 12,918.70 272,520.71 4.68 98.64 38 851 4.45 99.65 1,655.25 91,781.96 1.80 99.98 12.81 33.68

20 > 500,000 100 107,616 0.09 100.00 3,755.73 276,276.44 1.36 100.00 3 854 0.35 100.00 14.73 91,796.69 0.02 100.00 0.39 33.23

T O T A L 107,616 276,276.44 854 91,796.69 33.23

Page 19 of 20





1 0 50 25 13,127 13,127 12.58 12.58 21,399.98 21,399.98 7.63 7.63 57 57 5.95 5.95 273.93 273.93 0.32 0.32 1.28 1.28

2 > 50 100 75 5,840 18,967 5.60 18.18 1,505.30 22,905.28 0.54 8.16 52 109 5.43 11.38 1,276.90 1,550.83 1.48 1.80 84.83 6.77

3 > 100 200 150 8,494 27,461 8.14 26.32 3,698.61 26,603.90 1.32 9.48 50 159 5.22 16.60 2,457.29 4,008.12 2.85 4.65 66.44 15.07

4 > 200 300 250 6,611 34,072 6.34 32.66 4,144.22 30,748.12 1.48 10.96 19 178 1.98 18.58 967.60 4,975.72 1.12 5.77 23.35 16.18

5 > 300 500 400 10,657 44,729 10.21 42.87 9,851.89 40,600.01 3.51 14.47 37 215 3.86 22.44 2,428.05 7,403.77 2.82 8.58 24.65 18.24



rp RP


fMid PointsBAND

rp RPf F



5 > 300 500 400 10,657 44,729 10.21 42.87 9,851.89 40,600.01 3.51 14.47 37 215 3.86 22.44 2,428.05 7,403.77 2.82 8.58 24.65 18.24

6 > 500 750 625 7,669 52,398 7.35 50.22 9,457.28 50,057.29 3.37 17.84 106 321 11.06 33.51 4,267.17 11,670.94 4.95 13.53 45.12 23.32

7 > 750 1,000 875 7,318 59,716 7.01 57.23 12,140.25 62,197.54 4.33 22.17 75 396 7.83 41.34 4,753.31 16,424.25 5.51 19.04 39.15 26.41

8 > 1,000 1,500 1,250 7,575 67,291 7.26 64.49 15,509.82 77,707.35 5.53 27.70 57 453 5.95 47.29 4,408.73 20,832.99 5.11 24.15 28.43 26.81

9 > 1,500 2,000 1,750 5,297 72,588 5.08 69.57 14,296.88 92,004.24 5.10 32.79 66 519 6.89 54.18 2,994.22 23,827.20 3.47 27.63 20.94 25.90

10 > 2,000 2,500 2,250 3,415 76,003 3.27 72.84 10,755.61 102,759.85 3.83 36.63 40 559 4.18 58.35 4,656.98 28,484.18 5.40 33.02 43.30 27.72

11 > 2,500 3,000 2,750 3,021 79,024 2.90 75.74 10,390.14 113,149.99 3.70 40.33 51 610 5.32 63.67 5,720.27 34,204.45 6.63 39.66 55.05 30.23

12 > 3,000 4,000 3,500 3,746 82,770 3.59 79.33 15,457.00 128,606.98 5.51 45.84 39 649 4.07 67.75 2,682.87 36,887.32 3.11 42.77 17.36 28.68

13 > 4,000 5,000 4,500 3,182 85,952 3.05 82.38 13,980.36 142,587.34 4.98 50.82 53 702 5.53 73.28 5,810.07 42,697.39 6.74 49.50 41.56 29.94

14 > 5,000 7,500 6,250 4,192 90,144 4.02 86.40 22,631.01 165,218.35 8.07 58.89 41 743 4.28 77.56 5,103.45 47,800.85 5.92 55.42 22.55 28.93

15 > 7,500 10,000 8,750 3,106 93,250 2.98 89.37 20,623.28 185,841.63 7.35 66.24 29 772 3.03 80.58 7,994.90 55,795.74 9.27 64.69 38.77 30.02

16 > 10,000 20,000 15,000 4,867 98,117 4.66 94.04 35,908.63 221,750.26 12.80 79.04 70 842 7.31 87.89 16,078.11 71,873.85 18.64 83.33 44.78 32.41

17 > 20,000 50,000 35,000 3,689 101,806 3.54 97.58 30,733.58 252,483.83 10.95 89.99 62 904 6.47 94.36 10,096.50 81,970.36 11.71 95.04 32.85 32.47

18 > 50,000 100,000 75,000 1,356 103,162 1.30 98.87 13,050.01 265,533.84 4.65 94.64 42 946 4.38 98.75 3,848.39 85,818.74 4.46 99.50 29.49 32.3218 > 50,000 100,000 75,000 1,356 103,162 1.30 98.87 13,050.01 265,533.84 4.65 94.64 42 946 4.38 98.75 3,848.39 85,818.74 4.46 99.50 29.49 32.32

19 > 100,000 500,000 300,000 1,056 104,218 1.01 99.89 13,738.61 279,272.46 4.90 99.54 12 958 1.25 100.00 432.94 86,251.69 0.50 100.00 3.15 30.88

20 > 500,000 118 104,336 0.11 100.00 1,287.58 280,560.04 0.46 100.00 0 958 0.00 100.00 0.00 86,251.69 0.00 100.00 0.00 30.74

T O T A L 104,336 280,560.04 958 86,251.69 30.74

Page 20 of 20

statistik asuransi kebakaran indonesia edisi juni 2013

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