Statistic Report 2013 December 31

w w w .m a ip a r k .
c o m
Hotel Ambacang, Gempa Bumi Padang, 30/09/2009
1
Kata Pengantar
Foreword
Dengan Hormat, Dear Sir / Madam,
Sesuai dengan tujuan pendirian MAIPARK, In line with the purpose of MAIPARK
MAIPARK selalu berupaya untuk memberikan establishment, MAIPARK always strive to
pelayanan yang terbaik bagi Industri Asuransi provide the best service for General Insurance
Umum di Indonesia khususnya mengenai Industry in Indonesia particularly regarding
statistik dan pengetahuan risiko gempa bumi. statistic and knowledge of Earthquake risks.
Dukungan dari seluruh perusahaan asuransi Support from the General Insurance Industry
umum sangat berarti bagi kami dalam upaya will be meaningful to us in order to improve this
pengembangan Laporan Statistik ini. Statistic Report.
Kami berharap Laporan Statistik ini dapat We hope this Statistic Report will be beneficial
memberikan manfaat tidak hanya bagi not only to the insurance companies which
perusahaan yang menangani asuransi gempa write earthquake insurance but also to the
bumi, namun juga bagi industri asuransi umum whole general insurance industry in Indonesia.
di Indonesia.
Hormat kami, Sincerely,
Frans Y. Sahusilawane
President Director
i
Daftar Isi
Content
Hal. Page
Kata Pengantar.......................................................i Foreword ............................................................... i

Daftar Isi.................................................................ii Contents ............................................................... ii
Informasi Statistik .................................................v Statistic Information ............................................ v
s
Ikhtisar Statistik Asuransi Gempa Bumi Statistic Overview of Indonesian Earthquake
Indonesia Desember 2013 ...................................... Insurance December 2013 .....................................
A. Umum .................................................................1 A. General .............................................................. 1
B. Struktur Pasar ....................................................1 B. Market Structure ............................................... 1
C. Premi Bruto ........................................................1 C. Gross Premium ................................................. 1
D. Jumlah Risiko .....................................................3 D. Number of Risk .................................................. 3
E. Incurred Claim ....................................................4 E. Incurred Claim ................................................... 4
Exposure Asuransi Gempa Bumi Indonesia ........ Indonesian Earthquake Insurance Exposure ......
Tabel 2.1. Exposure Per Cresta Zone .................... 9 Table 2.1. Exposure By Cresta Zone ...................... 9
Tabel 2.2. Exposure Per Okupasi ..........................11 Table 2.2. Exposure By Occupation ..................... 11
Tabel 2.3. Exposure Per Interest ...........................13 Table 2.3. Exposure By Interest ........................... 13
Tabel 2.4. Exposure Per Provinsi ..........................15 Table 2.4. Exposure By Province .......................... 15
Premi Bruto Asuransi Gempa Bumi Indonesia Indonesian Earthquake Insurance Gross
............................................................................. …. Premium .................................................................
Tabel 3.1. Gross Premium Per Cresta Zone .........16 Table 3.1. Gross Premium By Cresta Zone ........... 16
Tabel 3.2. Gross Premium Per Okupasi ................18 Table 3.2. Gross Premium By Occupation ........... 18
Tabel 3.3. Gross Premium Per Provinsi .................20 Table 3.3. Gross Premium By Province ................ 20
Jumlah Risiko Asuransi Gempa Bumi Indonesian Earthquake Insurance Number of

Indonesia ............................................................... Risks .......................................................................
Tabel 4.1. Jumlah Risiko Per Cresta Zone ............21 Table 4.1. Number of Risk By Cresta Zone ........... 21
Tabel 4.2. Jumlah Risiko Per Okupasi ...................23 Table 4.2. Number of Risk By Occupation ........... 23
Klaim Asuransi Gempa Bumi Indonesia .............. Indonesian Earthquake Insurance Claim ............
Tabel 5.1. Klaim Frekwensi Per Okupasi ...............25 Table 5.1. Claim Frequency By Occupation ......... 25
Tabel 5.2. Klaim Frekwensi Per Cresta Zone .........27 Table 5.2. Claim Frequency By Cresta Zone .......... 27
Tabel 5.3. Klaim Per Okupasi ................................29 Table 5.3. Claim By Occupation . .......................... 29
Tabel 5.4. Klaim Per Cresta Zone ..........................31 Table 5.4 Claim By Cresta Zone ............................ 31
ii
Profil Risiko dan Klaim .......................................... Risk and Loss Profile ............................................
Underwriting Year 2009 -2013, Underwriting Year 2009 -2013,
Seluruh Okupasi ..................................................33 All Occupation ..................................................... 33
Underwriting Year 2013, All Occupation ............ 34
Underwriting Year 2013, Seluruh Okupasi ...........34
Underwriting Year 2012, All Occupation ............ 35
Underwriting Year 2011, Seluruh Okupasi ...........36 Underwriting Year 2011, All Occupation ............. 36
Underwriting Year 2010, All Occupation ............. 37
Underwriting Year 2009, Seluruh Okupasi ...........38 Underwriting Year 2009, All Occupation ............. 38
Profil Risiko dan Klaim Underwriting Year Risk and Loss Profile Underwriting Year
2013 Per Okupasi ................................................... 2013 By Occupation …...........................................
Okupasi Agrikultural .............................................39 Agricultural Occupation ....................................... 39
Okupasi Komersial ...............................................40 Commercial Occupation ...................................... 40
Okupasi Industrial ................................................41 Industrial Occupation .......................................... 41
Okupasi Residensial .............................................42 Residential Occupation ........................................ 42
Okupasi Komersial ...............................................44 Commercial Occupation ...................................... 44
Okupasi Industrial ................................................45 Industrial Occupation .......................................... 45
Okupasi Komersial ...............................................48 Commercial Occupation ....................................... 48
Okupasi Industrial ................................................49 Industrial Occupation ........................................... 49
Okupasi Komersial ...............................................52 Commercial Occupation ....................................... 52
Okupasi Industrial ................................................53 Industrial Occupation ........................................... 53
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2009 Per Okupasi ................................................... 2009 By Occupation ..............................................
Okupasi Komersial ................................................56 Commercial Occupation ....................................... 56
Okupasi Industrial .................................................57 Industrial Occupation ........................................... 57
Okupasi Residential ..............................................58 Residential Occupation ........................................ 58
Peta Map
Distribusi Exposure Gempa Bumi Indonesia per Indonesian Earthquake Exposure Distribution By
Provinsi, Underwriting Year 2013, per 31 Province, Underwriting Year 2013, as at 31
Desember 2013 …….. ........................................... 59 December 2013 ................................................... 59
Distribusi Gempa Bumi Indonesia M > 5 dan Claim Indonesian Earthquake Distribution M > 5 and
Incurred 2013 …… .................................................60 Claim Incurred 2013 …………………………..….. .......... 60
Distribusi Exposure Gempa Bumi Indonesia per Indonesian Earthquake Exposure Distribution By
Provinsi, Underwriting Year 2013, per 31 Province, Underwriting Year 2013, as at 31
Desember 2013, Distribusi Gempa Bumi Indonesia December 2013 , Indonesian Earthquake
M > 5 dan Claim Incurred UY 2013……………………. 61 Distribution M > 5 and Claim Incurred 2013 ........ 61
Damage Ratio ……………….. ...................................62 Damage Ratio ……………….. .................................. 62
Lampiran Attachments
1. Daftar Istilah ..........................................64 1. Glossaries .............................................. 64
2. Tarif Asuransi Gempa Bumi Indonesia …. 2. Indonesian Earthquake Insurance
................................................................66 Tariff ...................................................... 66
3. Skala First Loss .......................................67 3. First Loss Scale ...................................... 67
4. Tabel jangka Waktu Pertanggungan 4. Short Period Table Less Than One Year
Kurang Dari Satu Tahun .........................68 Period .................................................... 68
5. Skala Indemnity Period ..........................69 5. Indemnity Period Scale .......................... 69
6. Tabel Cresta Zone dan Zona ………………..70 6. Cresta Zone and Zone Table…………………70
Referensi Refference
1. Badan Pengawas Pasar Modal dan Lembaga 1. Capital Market and Financial Institution
Keuangan (Bapepam-LK). Supervisory Agency (Bapepam-LK).
2. Badan Pusat Statistik (BPS). 2. Central of Statistics Bureau (BPS).
*) Laporan Statistik ini dapat diperoleh di website *) Statistic Report is available on PT. Asuransi
PT. Asuransi MAIPARK Indonesia MAIPARK Indonesia‘s Website
www.maipark.com www.maipark.com
iv
Informasi Statistik
Statistic Information
1. Statistik dibuat berdasarkan Underwriting 1. Statistic Report is based on

Year yang tercatat sampai dengan posisi Underwriting Year basis, which is
31 Desember 2013. recorded as at 31 December 2013.
2. Sesi Limit 2. Cession Limit

2.1. Limit Sesi atas setiap risiko (any 2.1. Cession Limit of any one risk for the
one risk) untuk gabungan kerugian combined material damage and
fisik dan gangguan usaha adalah business interruption are as follows
sebagai berikut : :
2.1.1 Untuk daerah Jawa Barat, 2.1.1 For West Java, Banten
Banten dan DKI : and DKI:
 5% (lima prosen) dari  5% (five percent) of
jumlah seluruh the total sum insured,
pertanggungan (total being a maximum of
sum insured) USD 2,500,000.00
maksimum USD (two million five
2,500,000.00 (dua juta hundred thousand
lima ratus ribu Dollar U.S. Dollars) for any
Amerika) atas setiap one risk, each
risiko, setiap insurance company or
perusahaan asuransi policy issuer for
atau penerbit polis Underwriting Year
untuk Underwriting 2009, 2010, 2011 and
Year 2009, 2010, 2012.
2011 dan 2012.
 5% (lima prosen) dari  5% (five percent) of
jumlah seluruh the total sum insured,
pertanggungan (total being a maximum of
sum insured) Rp.25,000,000,000.00
maksimum Rp. (twenty five billion
25,000,000,000.00 Indonesian Rupiahs)
(dua puluh lima milyar or equal to USD
Rupiah) atau yang 2,631,578.00 (two
setara dengan USD million six hundred
2,631,578.00 (dua juta thirty one thousand
enam ratus tiga puluh five hundred seventy
satu lima ratus tujuh eight U.S. Dollars) for
puluh delapan Dollar any one risk, each
Amerika) atas setiap insurance company or
risiko, setiap policy issuer for
perusahaan asuransi Underwriting Year
atau penerbit polis 2013.
v
Untuk Underwriting
Year 2013.
2.1.2 Untuk daerah Indonesia 2.1.2. For other Indonesia areas
lainnya : :
 25% (dua puluh lima  25% (twenty five
prosen) dari jumlah percent) of the total
seluruh pertanggungan sum insured, being a
(total sum insured) maximum of USD
maksimum USD 2,500,000.00 (two
2,500,000.00 (dua juta million five hundred
lima ratus ribu Dollar thousand U.S. Dollars)
Amerika) atas setiap for any one risk, each
risiko, setiap insurance company or
perusahaan asuransi
policy issuer for
atau penerbit polis untuk
Underwriting Year
Underwriting Year
2009, 2010, 2011 dan 2009, 2010, 2011 and
2012. 2012.
 25% (dua puluh lima  25% (twenty five
prosen) dari jumlah percent) of the total
seluruh pertanggungan sum insured, being a
(total sum insured) maximum of
maksimum Rp. Rp.25,000,000,000.00
25,000,000,000.00 (dua (twenty five billion
puluh lima milyar Indonesian Rupiahs)
Rupiah) atau yang or equal to USD
setara dengan USD 2,631,578.00 (two
2,631,578.00 (dua juta million six hundred
enam ratus tiga puluh
thirty one thousand
satu lima ratus tujuh
puluh delapan Dollar five hundred seventy
Amerika) atas setiap eight U.S. Dollars) for
risiko, setiap any one risk, each
perusahaan asuransi insurance company or
atau penerbit polis untuk policy issuer for
Underwriting Year Underwriting Year
2013. 2013.
2.2. Yang dimaksud dengan setiap 2.2. Anyone risk is the accumulation
risiko (anyone risk) adalah (aggregate) of total sum insured of
akumulasi (aggregate) jumlah all risks at the same location for
harga pertanggungan seluruh each insurance company. The
risiko pada lokasi yang sama untuk definition of anyone risk or any
masing-masing perusahaan location is specified by the insurer
asuransi. Definisi setiap risiko atau or policy issuer in accordance with
setiap lokasi ditentukan oleh the fire underwriting policy.
perusahaan asuransi dalam
underwriting polis kebakaran.
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2.3 Dalam hal penutupan secara First 2.3 In First Loss Basis / Sub Limit
Loss Basis / Sub-limit, jumlah yang policies, the amount ceded is
disesikan sebagaimana diatur stipulated in point 2.1 above, then
dalam butir 2.1 diatas, dikalikan multiplied by the percentage of First
prosentase First Loss Scale. Loss Scale.
2.4 Untuk risiko yang ditutup secara 2.4 For risks which are covered by co-
ko-asuransi, jumlah maksimum insurance, the maximum cession
sesi dari semua anggota ko- from all members of coinsurance is
asuransi adalah sesuai dengan stipulated in point 2.1 above. Each
ketentuan yang diatur dalam 2.1 ceding company cedes
diatas. Sesi masing-masing proportionally depending on its co-
perusahaan adalah proporsional insurance share.
sebanding sahamnya dalam ko-
asuransi.
Dalam hal terdapat penutupan lain If there are policies other than co-
selain polis ko-asuransi tersebut insurance policy on the same
pada obyek pertanggungan yang insured object, the insurer is still
sama, perusahaan asuransi tetap able to cede such risk subject to
dapat mensesikan risiko dimaksud, total insurance company’s cession
dengan catatan jumlah seluruh not exceeding the provision in point
sesi perusahaan asuransi 2.1.
bersangkutan tidak melebihi
ketentuan yang diatur pada butir
2.1.
3. Tarif Premi Asuransi Gempa Bumi 3. Indonesian Standard Earthquake

Indonesia Premium Tariff
3.1. Penutupan Full Value Basis 3.1. For the coverage of Full Value
mengaplikasikan Tarif Premi Basis, apply Indonesian Standard
Standar Gempa Bumi Indonesia Earthquake Premium Tariff
(lampiran 2). (attachment 2).
3.2. Penutupan First Loss / Sub Limit 3.2. For the First Loss / Sub Limit Basis
Basis mengaplikasikan standar coverage apply standard First Loss
First Loss Scale (lampiran 3). Scale (attachment 3).
3.3. Perhitungan premi untuk 3.3. Premium calculation for short
penutupan kurang dari 12 (dua period coverage is based on Short
belas) bulan diberlakukan skala Period Scale (attachment 4).
premi jangka pendek (lampiran 4)
3.4. Untuk perhitungan premi Business 3.4. Premium calculation for business
Interruption diberlakukan Indemnity interruption is based on Indemnity
Period Scale (lampiran 5). Period Scale (attachment 5).
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4. Obyek Pertanggungan 4. Insured Object
4.1 Obyek pertanggungan yang dapat 4.1. Insured object which can be ceded
disesikan adalah obyek is fire insurance object such as :
pertanggungan asuransi
kebakaran berupa :
4.1.1. Kerusakan Fisik : 4.1.1. Material damage :

 Bangunan  Building
 Pondasi  Foundation
 Penggalian dan  Excavation and
Sejenisnya the like
 Persediaan Barang  Stock
 Lain-lain  Others
4.1.2 Gangguan Usaha : 4.1.2. Business Interruption
 Keuntungan Bruto  Gross Profit
 Upah  Wages
 Kenaikan Biaya  Increase in cost of
Operasional working
 Lain-lain  Others
4.2 Penutupan sebagaimana 4.2. Insured object referred in point 4.1

dimaksud pada butir 4.1. adalah is direct business, including
yang ditutup secara langsung coinsurance. Indirect business /
(direct business) termasuk ko- reinsurance cannot be ceded.
asuransi. Penutupan tidak
langsung (indirect business /
reasuransi) tidak dapat disesikan.
5. Pelaporan Bordero 5. Bordereaux Submission

Pelaporan bordero dilakukan setiap Bordereaux submission is on a monthly
bulannya untuk semua risiko yang basis for all risks underwritten in the
ditutup pada bulan yang bersangkutan month concerned and should be received
dan sudah harus diterima selambat- by the end of the following month at the
lambatnya pada akhir bulan berikutnya. latest.
viii
Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Desember 2013
Statistic Overview of Indonesia Earthquake Insurance December 2013
A. Umum A. General
Berdasarkan data Badan Pusat Statistik, Based on Central of Statistics Bureau

Perekonomian Indonesia pada tahun 2013 Data, Indonesian economic in 2013 as
sebagaimana diukur dari Pendapatan Domestik measured by Gross Domestic Product (GDP)
Bruto (PDB), tumbuh sebesar 5,78% increased by 5.78% compared with 2012.
dibandingkan tahun 2012. Nilai Produk Gross Domestic Product (GDP) based on
Domestik Bruto (PDB) Indonesia atas dasar Constant Price 2000 in 2013 reached the
harga konstan 2000 pada tahun 2013 amount of Rp. 2,770.3 trillion while in 2012 was
mencapai Rp. 2.770,3 triliun sedangkan pada Rp. 2,618.9 trillion. If it is based on Current
tahun 2012 sebesar Rp. 2.618,9 triliun. Bila Market Price, GDP in 2013 was Rp. 9,084.0
dilihat berdasarkan harga berlaku, PDB tahun trillion while in 2012 was Rp. 8,229.4 trillion.
2013 adalah sebesar Rp. 9.084,0 triliun
sedangkan tahun 2012 adalah Rp. 8.229,4
triliun.
B. Struktur Pasar B. Market Structure
Berdasarkan data Otoritas Jasa Keuangan Based on Financial Services Authority data
pada buku Direktori Perasuransian Indonesia in the book of Indonesian Insurance Directory
2013: Industri Keuangan Non Bank 2013: Non Bank Financial Institution Insurance,
Perasuransian, terdapat 82 perusahaan there are 82 general insurers having operating
asuransi umum yang memiliki izin beroperasi di licenses in Indonesia.
Indonesia.
C. Premi Bruto C. Gross Premium
Sampai dengan 31 Desember 2013, premi As at 31 December 2013, earthquake

bruto asuransi gempa bumi Underwriting Year gross premium for Underwriting Year 2009 was
2009 adalah sebesar Rp.1.781,2 miliar. Premi Rp. 1,781.2 billion. Gross premium for
bruto untuk Underwriting Year 2010 tercatat Underwriting Year 2010 was recorded
1
Rp. 2.117,0 miliar, sedangkan untuk Rp. 2,117.0 billion, while for Underwriting Year
Underwriting Year 2011 adalah Rp. 2.813,5 2011 was Rp. 2,813.5 billion. For Underwriting
miliar. Untuk Underwriting Year 2012 dan 2013 Year 2012 and 2013 were Rp. 2,637.7 billion
adalah Rp. 2.637,7 miliar dan Rp. 2.253,6 and Rp. 2,253.6 billion. These figures would
miliar. Angka – angka ini akan terus bergerak certainly increase especially for Underwriting
naik terutama untuk Underwriting Year 2012 Year 2012 and 2013.
dan 2013.
Tabel 1.1 di bawah ini menyajikan rincian The table 1.1 below shows the details of
premi bruto berdasarkan jenis okupasi dari gross premium based on occupation from
Underwriting Year 2009 hingga Underwriting Underwriting Year 2009 to Underwriting Year
Year 2013. Prosentase okupasi Industrial 2013. Industrial occupation always has the
selalu berada pada posisi pendapatan tertinggi biggest percentage income compared to 3
dibanding 3 (tiga) okupasi lainnya (Agrikultural, (three) remaining occupations (Agricultural,
Komersial, Residensial), yaitu di atas 60% dari Commercial, Residential), that is above 60%
total premi. from premium total.
Meskipun okupasi Komersial, Residensial Although occupation of Commercial,
dan Agrikultural tidak memberikan kontribusi Residential and Agricultural do not contribute
premi sebesar okupasi Industrial, namun ketiga premium as much as Industrial occupation,
okupasi tersebut memperlihatkan pertumbuhan those three occupation show significant
premi yang cukup signifikan. Hal ini terlihat premium growth. In this case, the premium
terutama pada premi okupasi Agrikultural pada under Agricultural occupation in Underwriting
Underwriting Year 2010 yang meningkat Year 2010 increased by 59.1% from Rp.
sebesar 59,1% dari Rp. 13.095,78 juta di 13,095.78 million in Underwriting Year 2009 to
Underwriting Year 2009 menjadi Rp. 20.834,91 Rp. 20,834.91 million.
juta.
Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 31 Desember 2013
Table 1.1 Gross Premium and Ratio By Occupation as at 31 December 2013
Dalam Jutaan Rupiah
In Million Rupiah
Okupasi
Underwriting
Total
Year Agrikultural / Agricultural Komersial / Commercial Industri / Industrial Residensial / Residential
2009 13,095.78 0.74% 407,938.46 22.90% 1,124,194.09 63.12% 235,955.31 13.25% 1,781,183.65
2010 20,834.91 0.98% 434,873.30 20.54% 1,298,122.02 61.32% 363,164.81 17.15% 2,116,995.04
2011 23,859.57 0.85% 751,463.85 26.71% 1,695,522.78 60.26% 342,674.99 12.18% 2,813,521.19
2012 29,495.08 1.12% 639,792.77 24.26% 1,623,301.32 61.54% 345,103.08 13.08% 2,637,692.25
2013 25,809.42 1.15% 516,779.37 22.93% 1,419,749.97 63.00% 291,242.90 12.92% 2,253,581.67
T OT AL 113,094.76 2,750,847.76 7,160,890.18 1,578,141.10 11,602,973.80
2
D. Jumlah Risiko D. Number of Risks
Tabel 1.2 di bawah ini menyajikan jumlah Table 1.2 below shows the number of
risiko pada Underwriting Year 2009 hingga risks from Underwriting Year 2009 to
Underwriting Year 2013 yang tercatat sampai Underwriting Year 2013 recorded until 31
dengan 31 Desember 2013. December 2013.
Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 31 Desember 2013

Table 1.2 Number of Risk By Occupation as at 31 December 2013
Okupasi U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013
Occupation Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total %
Agricultural / Agricultural A 252 0.19 441 0.27 379 0.23 420 0.24 333 0.26
Komersial / Commercial C 74,406 57.08 83,090 50.49 91,395 55.09 94,220 54.82 64,217 50.71
Industrial / Industrial I 12,934 9.92 13,867 8.43 14,995 9.04 16,252 9.46 12,765 10.08
Residensial / Residential R 42,755 32.80 67,166 40.81 59,127 35.64 60,972 35.48 49,326 38.95
Jumlah / Total 130,347 100.00 164,564 100.00 165,896 100.00 171,864 100.00 126,641 100.00
Grafik 1.1 Jumlah Risiko Berdasarkan Okupasi per 31 Desember 2013

Graph 1.1 Number of Risks by Occupation as at 31 December 2013
As at 31 December 2013
Industrial, 12,934
Agricultural, 379
Residential, 59,127
Commercial, 74,406
Commercial, Industrial,
83,090 13,867
Commercial, 91,395
Residential, 42,755 Industrial, 14,995
Agricultural, 252
UY 2009 Agricultural, 441 Residential, UY 2011

67,166
Industrial, 12,765
UY 2010
Commercial,
94,220
Industrial, 16,252
Residential, 49,326
Commercial, 64,217
Residential, 60,972
Agricultural, 420
UY 2013 Agricultural, 333

UY 2012
3
Jumlah risiko terbesar untuk setiap The highest number of risks for each
Underwriting Year, dalam hal ini dari Underwriting Year, in this case from
Underwriting Year 2009 sampai dengan Underwriting Year 2009 to Underwriting Year
Underwriting Year 2013 ada pada okupasi 2013, is under Commercial occupation, which
Komersial, yaitu selalu berada pada rasio di is always on the ratio above 50% from the total
atas 50% dari total risiko. Kemudian diikuti oleh risk. Then, it is followed by Residential
okupasi Residensial dengan rasio di atas 32%. occupation with ratio above 32%.
Jika terdapat asosiasi antara kontribusi If there is any association between the
premi dengan banyaknya risiko maka belum premium contribution and the number of risks
tentu asosiasi tersebut berbentuk linear dan then the association is not necessarily linear
positif. Hal ini dibuktikan dengan apabila nor positive. This is proved which the highest
melihat dari premi bruto tertinggi berada di gross premium is on the industrial occupation
okupasi industrial sedangkan banyak risiko while the highest total risk is under commercial
tertinggi berada pada okupasi komersial. occupation.
E. Incurred Claim E. Incurred Claim
Berdasarkan tabel 1.3 di bawah ini Based on table 1.3 below, the highest
frekuensi klaim gempa bumi paling banyak earthquake claim frequency occurred in
terjadi di Underwriting Year 2009 yaitu underwriting year 2009 was 1,862 claims and it
sebanyak 1.862 klaim dan didominasi okupasi dominated by Commercial occupation of 977
Komersial sebanyak 977 klaim. Hal ini claims. It was caused by 2 (two) biggest
disebabkan oleh kejadian 2 (dua) gempa bumi Earthquakes in 2009 namely Pariaman
yang terbesar di 2009 yaitu Gempa Bumi Earthquake on 30 September 2009 with a
Pariaman pada tanggal 30 September 2009 magnitude of 7.6 S.R and Tasikmalaya
dengan kekuatan 7,6 S.R dan Gempa Bumi Earthquake on 2 September 2009 with a
Tasikmalaya pada tanggal 2 September 2009 magnitude of 7.0 S.R.
dengan kekuatan 7,0 S.R.
4
Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 31 Desember 2013
Table 1.3 Claim Frequency By Occupation as at 31 December 2013
Okupasi Underwriting Year

Occupation 2009 2010 2011 2012 2013
Agrikultural / Agricultural A 27 0 0 0 0
Komersial / Commercial C 977 46 71 15 2
Industrial / Industrial I 23 1 0 0 0
Residensial / Residential R 835 10 31 2 2
Jumlah / Total 1,862 57 102 17 4
Berdasarkan Tabel 1.4 dan grafik di bawah Based on table 1.4 and graph below it can
ini terlihat bahwa untuk frekwensi klaim tinggi be seen that the high frequency claims lies in
berada pada Total Incurred Claim yang relative relatively small Total Claim Incurred, while low
kecil, sedangkan untuk frekwensi klaim kecil frequency claims lies in relatively big Total
berada pada Total Incurred Claim yang relative Claim Incurred.
besar.
Tabel 1.4 Frekwensi Incurred Claim Underwriting Year 2009 Per 31 Desember 2013
Table 1.4 Frequency Incurred Claim Underwriting Year 2009 as at 31 December 2013
*) Dalam Jutaan Rupiah

*) In Million Rupiah
Incurred Claim (BAND) *) Frekwensi Total Incurred Claim Rata-rata Incurred Claim Incurred Claim Tertinggi Inccured Claim Terendah
Claim Incurred (BAND)*) Frequency Total Claim Incurred Average Claim Incurred Highest Claim Incurred Lowest Claim Incurred
kurang dari 50 1,149 18,274,888,886.08 15,905,038.20 49,973,280.00 131,440.00

50 - 100 191 13,226,095,826.60 69,246,575.01 99,786,477.00 50,000,000.00
100 - 200 142 20,207,978,276.87 142,309,706.18 199,404,500.00 100,912,618.00
200 - 300 81 20,591,110,333.68 254,211,238.69 298,679,432.00 202,588,529.28
300 - 500 126 50,174,690,422.32 398,211,828.75 498,750,000.00 301,198,600.00
500 - 750 69 41,168,967,355.12 596,651,700.80 736,484,748.51 501,519,632.00
750 - 1,000 27 23,621,001,671.54 874,851,913.76 995,065,600.00 756,502,718.75
1,000 - 1,500 13 15,814,587,923.72 1,216,506,763.36 1,471,735,000.00 1,041,020,385.00
1,500 - 2,000 14 24,838,228,152.00 1,774,159,153.71 1,990,420,000.00 1,538,400,000.00
2,000 - 2,500 11 24,278,652,604.00 2,207,150,236.73 2,492,091,091.00 2,030,605,837.00
2,500 - 3,000 8 21,246,271,419.09 2,655,783,927.39 2,974,627,395.00 2,508,055,780.09
3,000 - 4,000 7 24,136,466,947.00 3,448,066,706.71 3,944,841,384.00 3,127,571,328.00
4,000 - 5,000 2 9,322,950,348.93 4,661,475,174.46 4,717,455,211.93 4,605,495,137.00
5,000 - 7,500 6 35,818,670,562.11 5,969,778,427.02 7,018,465,745.72 5,340,350,374.46
7,500 - 10,000 6 55,193,829,631.47 9,198,971,605.25 9,929,141,985.00 8,523,155,725.00
10,000 - 20,000 3 41,485,782,101.00 13,828,594,033.67 19,273,400,068.00 10,662,179,031.00
20,000 - 50,000 5 175,867,155,154.00 35,173,431,030.80 42,846,436,400.00 23,381,630,150.00
50,000 - 100,000 0 0.00 0.00 0.00 0.00
100,000 - 500,000 2 375,172,744,787.00 187,586,372,393.50 243,733,718,800.00 131,439,025,987.00
500,000 - up 0 0.00 0.00 0.00 0.00
Total 1,862 990,440,072,403
5
Dengan melihat tabel 1.5 tampak bahwa Looking at table 1.5 below, it shows that
jumlah klaim terbesar juga berada pada the largest claim is also in the Underwriting
Underwriting Year 2009. Klaim yang terbesar Year 2009. The largest claim is under
adalah pada okupasi Komersial, yaitu 91,35% Commercial occupation that is 91.35% of the
dari total klaim di Underwriting Year 2009 atau total claim in Underwriting Year 2009 or
sebesar Rp. 904,7 miliar. Rp. 904.7 billion.
Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 31 Desember 2013

Table 1.5 Claim Amount By Occupation as at 31 December 2013
Dalam Rupiah
In Rupiah
Underwriting Year
Okupasi 2009 2010 2011 2012 2013
Occupation Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount %
Agrikultural / Agricultural A 14,121,897,296.24 1.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Komersial / Commercial C 904,718,509,594.94 91.35 42,365,682,812.73 97.35 16,030,661,263.49 96.14 2,356,896,601.54 94.02 67,000,000.00 0.00
Industrial / Industrial I 4,423,722,616.25 0.45 760,224,542.70 1.75 0.00 0.00 0.00 0.00 0.00 0.00
Residensial / Residential R 67,175,942,895.10 6.78 391,785,430.40 0.90 642,983,109.86 3.86 150,000,000.00 5.98 95,436,000.00 0.00
Jumlah / Total 990,440,072,402.53 100.00 43,517,692,785.83 100.00 16,673,644,373.35 100.00 2,506,896,601.54 100.00 162,436,000.00 0.00
Tabel 1.6 di bawah ini menyajikan kejadian Table 1.6 below shows earthquake events
Gempa Bumi Tahun 2013 dan Incurred Claim occurred in 2013 and the corresponding
sampai dengan 31 Desember 2013. incurred claims as at 31 December 2013.
6
Ta be l 1.6 Kejadian Gempa Bumi Ta hun 2013 da n Klaim pe r 31 Desembe r 2013
Table 1.6 Earthquak e Event in 2013 and Claim as at 31 December 2013
Dalam Rupiah
In Rupiah
Kejadian Ta ngga l Kejadian Kekua tan Gempa (S.R) Klaim
Event Date of Loss Magnitude (S.R) Claim
Aceh 22 January 2013 6 590,717,400

Ciamis 13 June 2013 6.5 485,665,500
Banda Aceh 2 July 2013 5.5 1,122,693,500
Jambi 28 August 2013 5.5 83,000,000
Tabel 1.7 di bawah ini menyajikan klaim Table 1.7 shows Aceh, Ciamis, Banda
Gempa Bumi Aceh, Ciamis, Banda Aceh dan Aceh and Jambi Earthquake by occupation.
Jambi perjenis okupasi.
Tabel 1.7 Kejadian Gempa Bumi Tahun 2013 dan Klaim per Okupasi per 31 Desember 2013
Table 1.7 Earthquak e Event in 2013 and Claim per Occupation as at 31 December 2013
Okupasi
Occupation
Kejadian Tanggal Kejadian Frekwensi Jumlah (Dalam Rupiah)
Event Date of Loss Frequancy Amount (In Rupiah)
Agrikultural / Komersial / Industrial / Residensial / Agrikultural / Komersial / Industrial / Residensial /
Agricultural Commercial Industrial Residential Agricultural Commercial Industrial Residential
Aceh 22-Jan-13 0 2 0 0 0.00 590,717,400.00 0.00 0.00

Ciamis 13-Jun-13 0 3 0 0 0.00 485,665,500.00 0.00 0.00
Banda Aceh 2-Jul-13 0 5 0 1 0.00 1,110,257,500.00 0.00 12,436,000.00
Jambi 28-Aug-13 0 0 0 1 0.00 0.00 0.00 83,000,000.00
Tabel di bawah ini adalah daftar klaim The table below is a list of the largest
terbesar sampai dengan tanggal 31 Desember claims as at 31 December 2013.
2013.
Daftar Klaim - Klaim Terbesar Posisi 31 Desember 2013
List of The Largest Claims as at 31 December 2013
Dalam Rupiah
In Rupiah
No. Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Klaim
Event Date of Loss Magnitude (S.R) Claim
1 ACEH 26-12-2004 9 864,048,717,450.42

2 YOGYA 27-05-2006 5.9 269,101,919,529.41
3 PADANG 06-03-2007 5.8 37,579,160,986.88
4 BENGKULU 12-09-2007 7.9 53,201,067,989.54
5 PEKAT 07-08-2008 6.6 7,931,860,997.50
6 PADANG 16-08-2009 6.9 42,969,561,630.00
7 TASIKMALAYA 02-09-2009 7.3 25,140,719,675.10
8 PARIAMAN 30-09-2009 7.6 1,150,817,329,692.62
9 BIMA 09-11-2009 6.7 36,740,765,185.48
10 MERAPI 25-10-2010 - *) 27,250,841,156.40
*) Penyebab terkait letusan gunung berapi

Caused b y volcanic eruption
7
Tabel 1.8 menyajikan data jumlah polis dan Table 1.8 shows number of policies, and
loss ratio per 31 Desember 2013. Tabel loss ratio as at 31 December 2013. The table
tersebut menunjukkan bahwa loss ratio show that the biggest loss ratio was at
tertinggi berada pada Underwriting Year 2009 Underwriting Year 2009 i.e. 55.61%. It was
sebesar 55,61%. Hal ini dipengaruhi oleh nilai influenced by large amount of claim that
klaim yang cukup tinggi yang mayoritas majority resulting from Pariaman Earthquake
disebabkan dari gempa Pariaman dan gempa and Tasikmalaya Earthquake 2009.
Tasikmalaya tahun 2009.
Tabel 1.8 Jumlah Polis dan Loss Ratio per 31 Desember 2013
Table 1.8 Number of Policies and Loss Ratio as at 31 December 2013
Underwriting Jumlah Polis Premi *) Frekwensi Klaim Jumlah Klaim *)

Loss Ratio
Year Number of Policies Premium *) Claim Frequency Incurred Claim *)
2009 125,701 1,781,183,652,111.94 1,862 990,440,072,402.53 55.61%

2010 117,352 2,116,995,038,415.75 57 43,517,692,785.83 2.06%
2011 117,296 2,813,521,192,187.48 102 16,673,644,373.35 0.59%
2012 111,378 2,637,692,249,579.52 17 2,506,896,601.54 0.10%
2013 82,062 2,253,581,667,373.46 4 162,436,000.00 0.01%
Keterangan :
*) Dalam Rupiah
In Rupiah
Tabel 1.9 menyajikan Premi dan Exposure Table 1.9 shows Premium and Exposure
per 31 Desember 2013. as at 31 December 2013.
Tabel 1.9 Premi dan Exposure per 31 Desember 2013

Table 1.9 Premium and Exposure as at 31 December 2013
Dalam Jutaan Rupiah
In Million Rupiah
Premi Exposure
Underwriting Year
Premium Exposure
2009 1,781,183.65 1,498,172,604.36
2010 2,116,995.04 1,671,797,166.78
2011 2,813,521.19 2,149,134,478.35
2012 2,637,692.25 1,930,793,341.27
2013 2,253,581.67 1,490,910,419.10
8
National Aggregate Exposure By Cresta Zone
As At 31/12/2013
Tab le 2.1 in IDR
U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013
Cresta Zone
Amount % Amount % Amount % Amount % Amount %
BANDA ACEH 1.1 1,147,969,620,214.51 0.08 3,496,644,044,242.15 0.21 4,608,961,565,236.65 0.21 3,825,811,548,648.46 0.20 982,921,240,964.05 0.07
MEDAN 1.2 41,165,087,033,173.50 2.75 39,916,550,753,548.00 2.39 46,300,483,279,269.40 2.15 39,329,107,630,969.00 2.04 35,585,304,210,691.60 2.39
OTHERS 1.3 21,353,562,776,744.20 1.43 66,119,043,411,639.70 3.95 98,984,829,133,319.40 4.61 39,183,977,199,931.60 2.03 34,295,758,952,219.10 2.30
NORTH SUMATERA 1 63,666,619,430,132.10 4.25 109,532,238,209,430.00 6.55 149,894,273,977,825.00 6.97 82,338,896,379,549.10 4.26 70,863,984,403,874.70 4.75
PADANG 2.1 47,028,709,307,731.00 3.14 18,592,594,782,958.80 1.11 15,927,831,157,128.30 0.74 18,421,862,418,479.60 0.95 14,669,956,454,706.30 0.98
PALEMBANG 2.2 19,095,308,994,108.40 1.27 20,447,045,202,732.10 1.22 15,166,937,585,490.50 0.71 18,928,972,224,808.40 0.98 14,701,093,940,176.90 0.99
OTHERS 2.3 93,710,512,373,592.60 6.25 97,873,703,283,582.00 5.85 122,382,707,164,140.00 5.69 134,609,075,030,655.00 6.97 102,381,764,713,513.00 6.87
SOUTH SUMATERA 2 159,834,530,675,432.00 10.67 136,913,343,269,273.00 8.19 153,477,475,906,759.00 7.14 171,959,909,673,944.00 8.91 131,752,815,108,396.00 8.84
JAKARTA 3.1 294,608,587,371,990.00 19.66 304,770,044,796,357.00 18.23 464,814,473,055,751.00 21.63 398,750,750,974,243.00 20.65 299,045,393,279,671.00 20.06
BANDUNG 3.2 7,356,310,993,872.18 0.49 5,935,570,412,798.67 0.36 6,786,912,562,751.73 0.32 10,944,195,730,503.80 0.57 5,997,317,914,275.74 0.40
OTHERS 3.3 437,777,788,937,103.00 29.22 601,991,668,850,461.00 36.01 604,174,687,261,868.00 28.11 643,952,473,788,529.00 33.35 531,779,547,246,639.00 35.67
WEST JAVA 3 739,742,687,302,965.00 49.38 912,697,284,059,617.00 54.59 1,075,776,072,880,370.00 50.06 1,053,647,420,493,280.00 54.57 836,822,258,440,586.00 56.13
SEMARANG 4.1 1,326,730,828,856.88 0.09 10,367,214,200,409.60 0.62 6,547,169,388,280.43 0.30 6,998,183,336,427.71 0.36 4,258,715,004,050.47 0.29
YOGYAKARTA 4.2 8,512,796,192,033.62 0.57 9,031,049,769,491.59 0.54 10,207,395,226,468.00 0.47 9,298,709,189,030.30 0.48 5,881,524,541,719.08 0.39
OTHERS 4.3 76,803,312,316,763.50 5.13 59,368,748,605,101.20 3.55 116,820,457,729,334.00 5.44 100,945,022,159,548.00 5.23 103,199,895,384,011.00 6.92
CENTRAL JAVA 4 86,642,839,337,654.00 5.78 78,767,012,575,002.40 4.71 133,575,022,344,082.00 6.22 117,241,914,685,006.00 6.07 113,340,134,929,780.00 7.60
SURABAYA 5.1 52,526,615,979,789.30 3.51 95,848,731,261,121.60 5.73 87,307,042,599,550.50 4.06 50,532,585,740,496.90 2.62 35,214,275,895,068.70 2.36
OTHERS 5.2 216,847,389,830,894.00 14.47 150,484,659,050,333.00 9.00 300,810,040,239,822.00 14.00 225,387,581,690,693.00 11.67 148,334,882,646,569.00 9.95
EAST JAVA 5 269,374,005,810,683.00 17.98 246,333,390,311,454.00 14.73 388,117,082,839,373.00 18.06 275,920,167,431,190.00 14.29 183,549,158,541,638.00 12.31
KALIMANTAN 6 81,276,521,181,542.00 5.43 78,300,358,445,091.90 4.68 122,855,231,852,261.00 5.72 100,882,096,624,812.00 5.22 63,375,671,419,487.20 4.25
UJUNG PANDANG 7.1 13,009,604,695,590.60 0.87 8,852,259,330,092.91 0.53 10,434,187,846,426.00 0.49 10,598,165,057,049.10 0.55 10,086,632,034,856.70 0.68
OTHERS 7.2 35,604,745,063,349.60 2.38 50,892,109,819,503.50 3.04 59,654,403,769,405.30 2.78 54,306,908,652,180.00 2.81 22,969,456,059,887.90 1.54
SULAWESI 7 48,614,349,758,940.20 3.24 59,744,369,149,596.40 3.57 70,088,591,615,831.30 3.26 64,905,073,709,229.10 3.36 33,056,088,094,744.50 2.22
OTHER ISLANDS 8 49,021,050,865,766.90 3.27 49,509,170,759,362.60 2.96 55,350,726,937,134.90 2.58 63,897,862,269,282.90 3.31 58,150,308,165,772.70 3.90
T OT AL 1,498,172,604,363,120.00 100.00 1,671,797,166,778,830.00 100.00 2,149,134,478,353,640.00 100.00 1,930,793,341,266,290.00 100.00 1,490,910,419,104,280.00 100.00
9
National Aggregate Exposure By Cresta Zone
(In Billion IDR)
86,642.84 133,575.02
269,374.01
388,117.08
78,767.01 1,075,776.07
739,742.69 81,276.52 122,855.23
246,333.39
70,088.59
48,614.35
78,300.36
912,697.28
49,021.05
55,350.73
63,666.62 153,477.48 149,894.27
159,834.53 59,744.37
UY 2009 49,509.17
UY 2011
109,532.24
136,913.34
UY 2010 North Sumatera
South Sumatera
117,241.91 113,340.13 West Java
183,549.16 Central Java

275,920.17
836,822.26 East Java
1,053,647.42
63,375.67 Kalimantan
100,882.10
Sulawesi
33,056.09
Other Islands
64,905.07 131,752.82
58,150.31
63,897.86
70,863.98
82,338.90
171,959.91
UY 2012 UY 2013
10
National Aggregate Exposure By Occupation
As At 31/12/2013
in IDR
Tab le 2.2
U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013
Occupation
AGRICULTURAL A 11,544,028,397,174.20 0.77 17,597,981,439,651.60 1.05 20,140,109,366,943.60 0.94 23,603,439,857,842.60 1.22 19,250,617,641,625.90 1.29
COMMERCIAL C 327,937,005,195,224.00 21.89 314,289,421,301,657.00 18.80 538,796,228,101,515.00 25.07 449,129,640,687,089.00 23.26 345,547,131,724,955.00 23.18
INDUSTRIAL I 983,266,546,650,208.00 65.63 1,067,407,549,755,600.00 63.85 1,357,537,625,980,160.00 63.17 1,228,505,689,568,100.00 63.63 936,288,199,500,973.00 62.80
RESIDENTIAL R 175,425,024,120,509.00 11.71 272,502,214,281,919.00 16.30 232,660,514,905,023.00 10.83 229,554,571,153,260.00 11.89 189,824,470,236,725.00 12.73
T OT AL 1,498,172,604,363,110.00 100.00 1,671,797,166,778,830.00 100.00 2,149,134,478,353,640.00 100.00 1,930,793,341,266,290.00 100.00 1,490,910,419,104,280.00 100.00
11
National Aggregate Exposure By Occupation
( In Billion IDR )
Industrial, Industrial,
983,266.55 Commercial, 1,357,537.63
Residential, 538,796.23
175,425.02
Industrial,
1,067,407.55
Commercial,
327,937.01
Agricultural, Agricultural,
20,140.11 Residential,
11,544.03
232,660.51
Commercial,
314,289.42
UY 2009 Residential, UY 2011
272,502.21
Agricultural,
17,597.98
UY 2010
Industrial,
1,228,505.69
Residential,
229,554.57
Industrial, 936,288.20
Commercial,
345,547.13
Commercial,
449,129.64
Agricultural,
23,603.44
Agricultural,
19,250.62
Residential,
189,824.47
UY 2012
UY 2013
12
National Aggregate Exposure By Interest
As At 31/12/2013
Tab le 2.3 In IDR
U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013
Interest
Building 714,018,329,452,070.00 47.66 766,353,943,252,236.00 45.84 958,986,268,434,483.00 44.62 810,580,070,470,373.00 41.98 677,103,063,252,230.00 45.42
Machinery 295,613,718,228,449.00 19.73 374,184,959,588,157.00 22.38 431,897,927,718,941.00 20.10 388,705,612,476,042.00 20.13 296,748,182,356,913.00 19.90
Others 192,475,556,891,564.00 12.85 183,213,872,120,665.00 10.96 253,972,852,718,059.00 11.82 266,881,010,311,974.00 13.82 188,100,304,834,411.00 12.62
Stock 164,457,610,004,332.00 10.98 217,191,496,939,453.00 12.99 284,224,703,862,465.00 13.23 281,453,703,617,245.00 14.58 211,540,386,415,813.00 14.19
Bussiness Interruption 131,607,389,786,700.00 8.78 130,852,894,878,316.00 7.83 220,052,725,619,690.00 10.24 183,172,944,390,654.00 9.49 117,418,482,244,912.00 7.88
T OT AL 1,498,172,604,363,120.00 100.00 1,671,797,166,778,830.00 100.00 2,149,134,478,353,640.00 100.00 1,930,793,341,266,290.00 100.00 1,490,910,419,104,280.00 100.00
13
National Aggregate Exposure Year By Interest
As at 31 Dec 2013
( In Billion IDR )
1,000,000
900,000
800,000
Building
700,000 Machinery
Stock
600,000
Others
500,000 Business Interruption
400,000
300,000
200,000
100,000
0
UY 2009 UY 2010 UY 2011 UY 2012 UY 2013
14
National Aggregate Exposure By Province
As At 31/12/2013
Tab le 2.4
In IDR
U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013
Province
01. NAD 2,122,192,608,343.15 0.14 46,017,129,711,409.00 2.75 61,532,603,567,310.90 2.86 8,274,903,774,169.93 0.43 2,757,445,659,206.46 0.18
02. SUMATERA UTARA 61,544,426,821,789.00 4.11 63,515,108,498,020.90 3.80 88,361,670,410,514.50 4.11 74,063,992,605,379.20 3.84 68,106,538,744,668.30 4.57
03. SUMATERA BARAT 52,034,740,302,059.10 3.47 22,413,073,192,181.50 1.34 23,079,822,132,237.50 1.07 26,380,724,721,653.00 1.37 21,148,736,563,953.80 1.42
04. RIAU 23,632,348,436,517.60 1.58 32,775,279,641,286.80 1.96 34,753,443,243,498.20 1.62 33,045,941,724,784.90 1.71 29,803,718,907,139.70 2.00
05. JAMBI 4,306,397,901,826.63 0.29 5,229,365,051,921.28 0.31 8,148,510,638,051.55 0.38 10,648,651,946,191.30 0.55 8,702,417,831,936.71 0.58
06. SUMATERA SELATAN 34,446,822,226,779.60 2.30 37,906,239,822,304.80 2.27 30,249,511,522,997.60 1.41 40,602,409,954,234.60 2.10 26,533,613,932,005.20 1.78
07. BENGKULU 2,828,260,196,796.79 0.19 3,090,187,981,017.82 0.18 4,062,453,717,435.66 0.19 4,421,351,504,632.45 0.23 3,625,668,794,507.75 0.24
08. LAMPUNG 22,287,905,856,293.50 1.49 16,664,884,556,586.80 1.00 27,466,542,870,908.00 1.28 27,843,463,546,002.50 1.44 20,990,298,926,975.30 1.41
09. KEP BANGKA-BELITUNG 24,260,716,187,188.80 1.62 3,336,058,201,436.26 0.20 3,044,812,785,166.98 0.14 3,939,954,922,023.31 0.20 1,811,280,401,267.71 0.12
10. KEPULAUAN RIAU 36,744,767,794,671.60 2.45 15,498,254,822,537.40 0.93 22,672,378,996,463.70 1.05 25,077,411,354,421.50 1.30 19,137,079,750,610.20 1.28
11. JAKARTA 280,800,571,412,260.00 18.74 304,770,044,796,357.00 18.23 464,814,473,055,751.00 21.63 398,750,750,974,243.00 20.65 299,045,393,279,671.00 20.06
12. JAWA BARAT 273,084,009,607,933.00 18.23 395,889,402,257,845.00 23.68 400,903,115,744,346.00 18.65 440,895,760,769,646.00 22.83 337,123,903,681,066.00 22.61
13. JAWA TENGAH 76,554,822,702,030.30 5.11 68,286,066,186,836.40 4.08 121,739,479,909,408.00 5.66 105,706,759,792,408.00 5.47 106,030,876,200,698.00 7.11
14. DIY 9,468,672,538,435.68 0.63 10,480,946,388,166.00 0.63 11,835,542,434,674.60 0.55 11,535,154,892,598.40 0.60 7,309,258,729,082.64 0.49
15. JAWA TIMUR 266,545,519,830,729.00 17.79 246,333,390,311,454.00 14.73 388,117,082,839,373.00 18.06 275,920,167,431,190.00 14.29 183,549,158,541,638.00 12.31
16. BANTEN 150,867,526,850,566.00 10.07 212,037,837,005,415.00 12.68 210,058,484,080,274.00 9.77 214,000,908,749,386.00 11.08 200,652,961,479,849.00 13.46
17. BALI 40,366,053,939,598.70 2.69 39,388,452,490,115.70 2.36 43,334,326,311,336.20 2.02 50,173,259,877,963.50 2.60 48,235,630,253,850.20 3.24
18. NUSA TENGGARA BARAT 3,492,479,571,418.68 0.23 2,914,401,771,130.72 0.17 3,078,064,899,149.34 0.14 3,809,227,696,051.74 0.20 3,146,631,072,754.15 0.21
19. NUSA TENGGARA TIMUR 750,869,736,995.34 0.05 862,786,991,135.17 0.05 1,617,483,032,767.29 0.08 2,086,187,050,956.71 0.11 1,311,773,975,419.25 0.09
20. KALIMANTAN BARAT 4,213,062,487,429.85 0.28 4,184,375,704,375.67 0.25 6,929,074,391,744.74 0.32 6,041,674,891,622.79 0.31 4,950,206,353,333.85 0.33
21. KALIMANTAN TENGAH 3,432,721,226,962.45 0.23 11,728,678,849,876.80 0.70 12,227,209,133,229.00 0.57 11,763,771,657,050.80 0.61 10,007,221,731,804.50 0.67
22. KALIMANTAN SELATAN 14,449,667,226,129.60 0.96 14,511,411,705,943.40 0.87 28,153,220,447,496.90 1.31 14,468,107,371,409.20 0.75 15,562,928,304,085.90 1.04
23. KALIMANTAN TIMUR 56,740,301,371,086.40 3.79 47,875,892,184,896.00 2.86 75,545,727,879,790.50 3.52 68,608,542,704,729.00 3.55 32,855,315,030,262.90 2.20
24. SULAWESI UTARA 7,141,370,508,296.35 0.48 8,854,635,630,089.60 0.53 20,479,153,699,598.30 0.95 11,210,851,937,821.50 0.58 11,297,108,211,066.60 0.76
25. SULAWESI TENGAH 1,191,617,762,901.66 0.08 1,344,987,489,172.88 0.08 2,237,761,075,451.70 0.10 2,084,727,957,349.79 0.11 3,177,636,852,150.88 0.21
26. SULAWESI SELATAN 20,042,311,918,068.80 1.34 16,692,942,023,777.90 1.00 24,502,592,637,872.60 1.14 26,720,766,741,669.50 1.38 15,515,241,414,918.20 1.04
27. SULAWESI TENGGARA 8,620,447,929,885.33 0.58 18,974,413,466,606.60 1.13 9,116,259,975,615.48 0.42 9,611,064,092,486.42 0.50 1,039,633,938,212.12 0.07
28. GORONTALO 10,915,430,441,797.70 0.73 12,014,670,866,240.30 0.72 12,799,808,049,629.60 0.60 14,153,833,090,692.40 0.73 830,525,478,998.85 0.06
29. SULAWESI BARAT 545,524,153,447.43 0.04 1,862,719,673,709.09 0.11 953,016,177,663.56 0.04 1,123,829,889,209.47 0.06 1,195,942,199,397.88 0.08
30. MALUKU 524,086,278,336.88 0.03 959,192,107,230.57 0.06 1,012,162,473,294.66 0.05 1,285,590,696,810.45 0.07 1,114,925,169,755.72 0.07
31. MALUKU UTARA 439,777,819,233.64 0.03 431,793,359,211.90 0.03 599,254,266,006.82 0.03 750,091,487,535.22 0.04 322,259,081,282.99 0.02
32. PAPUA BARAT 2,007,854,855,238.31 0.13 1,739,199,010,115.30 0.10 2,183,436,883,141.29 0.10 2,256,365,201,277.70 0.12 1,484,313,874,916.94 0.10
33. PAPUA 1,769,325,862,068.80 0.12 3,213,345,030,423.17 0.19 3,525,999,071,439.34 0.16 3,537,140,258,687.55 0.18 2,534,774,737,793.41 0.17
T OT AL 1,498,172,604,363,110.00 100.00 1,671,797,166,778,830.00 100.00 2,149,134,478,353,640.00 100.00 1,930,793,341,266,290.00 100.00 1,490,910,419,104,280.00 100.00
15
National Gross Premium By Cresta Zone
As At 31/12/2013
Tab le 3.1 in IDR
U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013
Cresta Zone
BANDA ACEH 1.1 1,417,072,712.58 0.08 6,052,652,471.70 0.29 7,255,283,677.40 0.26 7,222,634,442.36 0.27 1,876,125,966.34 0.08
MEDAN 1.2 51,185,282,243.67 2.87 47,694,856,535.17 2.25 54,409,517,677.59 1.93 48,862,458,598.50 1.85 47,470,035,347.05 2.11
OTHERS 1.3 25,113,178,212.06 1.41 84,303,208,486.81 3.98 132,714,846,444.47 4.72 51,391,674,182.38 1.95 53,021,393,177.42 2.35
NORTH SUMATERA 1 77,715,533,168.31 4.36 138,050,717,493.68 6.52 194,379,647,799.46 6.91 107,476,767,223.24 4.07 102,367,554,490.81 4.54
PADANG 2.1 55,219,858,862.98 3.10 32,787,018,327.39 1.55 29,672,218,673.28 1.05 34,718,172,040.87 1.32 28,255,964,044.93 1.25
PALEMBANG 2.2 20,557,505,604.64 1.15 19,390,704,938.80 0.92 14,170,766,026.76 0.50 17,745,023,029.29 0.67 15,272,615,737.99 0.68
OTHERS 2.3 107,746,518,371.25 6.05 108,790,148,304.87 5.14 136,225,529,970.59 4.84 155,580,074,816.85 5.90 132,446,615,493.93 5.88
SOUTH SUMATERA 2 183,523,882,838.87 10.30 160,967,871,571.06 7.60 180,068,514,670.63 6.40 208,043,269,887.01 7.89 175,975,195,276.85 7.81
JAKARTA 3.1 380,661,764,961.81 21.37 433,838,945,361.89 20.49 670,294,749,377.10 23.82 597,496,337,775.91 22.65 480,639,304,868.08 21.33
BANDUNG 3.2 9,459,548,591.92 0.53 8,241,042,107.75 0.39 9,925,855,037.47 0.35 16,346,322,621.77 0.62 9,253,434,406.79 0.41
OTHERS 3.3 490,396,344,017.30 27.53 778,819,138,104.48 36.79 831,881,258,643.28 29.57 933,626,192,032.78 35.40 871,873,340,555.08 38.69
WEST JAVA 3 880,517,657,571.03 49.43 1,220,899,125,574.12 57.67 1,512,101,863,057.85 53.74 1,547,468,852,430.46 58.67 1,361,766,079,829.95 60.43
SEMARANG 4.1 1,630,075,740.43 0.09 11,636,480,141.95 0.55 7,986,696,304.55 0.28 8,672,780,148.03 0.33 5,776,899,271.91 0.26
YOGYAKARTA 4.2 11,355,540,884.66 0.64 13,009,093,100.49 0.61 15,306,087,732.00 0.54 14,158,560,333.40 0.54 9,058,807,475.39 0.40
OTHERS 4.3 92,892,991,937.23 5.22 71,914,369,548.34 3.40 146,336,964,251.09 5.20 125,917,963,978.07 4.77 139,426,804,086.30 6.19
CENTRAL JAVA 4 105,878,608,562.32 5.94 96,559,942,790.78 4.56 169,629,748,287.64 6.03 148,749,304,459.50 5.64 154,262,510,833.60 6.85
SURABAYA 5.1 64,605,479,640.86 3.63 111,165,624,462.33 5.25 110,736,921,265.02 3.94 64,315,389,336.26 2.44 47,327,888,992.84 2.10
OTHERS 5.2 252,592,857,376.12 14.18 175,291,433,945.79 8.28 360,797,370,514.87 12.82 278,794,873,073.98 10.57 205,409,617,742.54 9.11
EAST JAVA 5 317,198,337,016.98 17.81 286,457,058,408.12 13.53 471,534,291,779.89 16.76 343,110,262,410.24 13.01 252,737,506,735.38 11.21
KALIMANTAN 6 95,003,197,846.87 5.33 68,421,769,079.24 3.23 103,407,997,618.94 3.68 93,281,731,655.46 3.54 63,267,873,205.97 2.81
UJUNG PANDANG 7.1 15,784,660,581.79 0.89 8,854,097,129.22 0.42 9,472,089,957.48 0.34 10,180,538,141.67 0.39 10,045,389,554.70 0.45
OTHERS 7.2 45,867,830,532.43 2.58 67,397,860,804.36 3.18 93,706,804,774.37 3.33 83,397,545,342.92 3.16 38,972,531,461.51 1.73
SULAWESI 7 61,652,491,114.22 3.46 76,251,957,933.58 3.60 103,178,894,731.85 3.67 93,578,083,484.59 3.55 49,017,921,016.21 2.18
OTHER ISLANDS 8 59,693,943,993.32 3.35 69,386,595,565.18 3.28 79,220,234,241.25 2.82 95,983,978,029.04 3.64 94,187,025,984.69 4.18
T OT AL 1,781,183,652,111.92 100.00 2,116,995,038,415.76 100.00 2,813,521,192,187.51 100.00 2,637,692,249,579.54 100.00 2,253,581,667,373.46 100.00
16
National Gross Premium By Cresta Zone
(in Billion IDR)
169.63
183.52 880.52
471.53
77.72
1,220.90
103.41
59.69
61.65 103.18
1,512.10
79.22
95.00 160.97
194.38
96.56
138.05
105.88
317.20 180.07
69.39
286.46
76.25 68.42
UY 2009 UY 2011
UY 2010
148.75
North Sumatera
343.11
175.98
South Sumatera
102.37
93.28
West Java 94.19
1,361.77
93.58 49.02
Central Java
63.27
95.98
East Java
1,547.47
252.74
107.48
Kalimantan
154.26
Sulawesi
208.04
Other Islands
UY 2013
UY 2012
17
National Gross Premium By Occupation
As At 31/12/2013
in IDR
Table 3.2
U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013
Occupation
AGRICULTURAL A 13,095,781,279.76 0.74 20,834,909,822.51 0.98 23,859,568,585.79 0.85 29,495,080,565.50 1.12 25,809,418,913.31 1.15
COMMERCIAL C 407,938,463,183.32 22.90 434,873,303,188.34 20.54 751,463,850,410.72 26.71 639,792,774,091.18 24.26 516,779,372,316.74 22.93
INDUSTRIAL I 1,124,194,092,797.97 63.12 1,298,122,018,196.63 61.32 1,695,522,780,815.87 60.26 1,623,301,316,255.03 61.54 1,419,749,972,719.76 63.00
RESIDENTIAL R 235,955,314,850.89 13.25 363,164,807,208.27 17.15 342,674,992,375.10 12.18 345,103,078,667.81 13.08 291,242,903,423.65 12.92
T OT AL 1,781,183,652,111.94 100.00 2,116,995,038,415.75 100.00 2,813,521,192,187.48 100.00 2,637,692,249,579.52 100.00 2,253,581,667,373.46 100.00
18
National Gross Premium By Occupation
( In Billion IDR )
Residential,
235.96
Industrial, Industrial,
1,124.19 1,695.52
Commercial,
Industrial, 751.46
Agricultural, 1,298.12
13.10
Commercial,
Commercial, Agricultural, Residential,
434.87
407.94 23.86 342.67
UY 2009 UY 2011
Residential,
Agricultural,
363.16
20.83
UY 2010
Residential, 345.10
Commercial, 516.78
Agricultural, 29.50
Agricultural, 25.81
UY 2012 Commercial,
639.79 Residential, 291.24 UY 2013
2010
19
National Gross Premium By Province
As At 31/12/2013
Tab le 3.3
In IDR
U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013
Province
01. NAD 2,591,765,441.91 0.15 61,936,910,315.53 2.93 87,280,467,605.81 3.10 12,401,246,482.15 0.47 4,956,884,429.86 0.22
02. SUMATERA UTARA 75,123,767,726.41 4.22 76,113,807,178.14 3.60 107,099,180,193.64 3.81 95,075,520,741.09 3.60 97,410,670,060.95 4.32
03. SUMATERA BARAT 62,060,943,912.52 3.48 39,346,202,146.10 1.86 40,282,734,257.27 1.43 47,281,549,756.12 1.79 40,222,616,159.35 1.78
04. RIAU 25,275,041,744.52 1.42 33,033,277,972.00 1.56 34,867,966,371.18 1.24 34,904,883,691.00 1.32 34,270,277,673.39 1.52
05. JAMBI 4,733,408,360.60 0.27 5,242,221,847.08 0.25 7,974,559,052.58 0.28 10,496,450,749.22 0.40 9,665,595,119.28 0.43
06. SUMATERA SELATAN 39,070,703,670.60 2.19 39,288,977,418.39 1.86 31,094,591,900.59 1.11 42,253,613,700.27 1.60 31,227,956,564.09 1.39
07. BENGKULU 3,811,907,285.83 0.21 5,474,897,682.87 0.26 7,259,094,922.58 0.26 8,223,728,296.82 0.31 7,363,311,456.30 0.33
08. LAMPUNG 27,231,909,060.92 1.53 22,692,710,088.11 1.07 37,148,075,139.15 1.32 39,248,158,426.18 1.49 32,317,257,020.83 1.43
09. KEP BANGKA-BELITUNG 33,963,269,605.03 1.91 2,953,443,103.05 0.14 2,657,007,408.01 0.09 3,548,501,546.30 0.13 1,762,437,686.03 0.08
10. KEPULAUAN RIAU 44,368,542,555.34 2.49 12,936,141,313.44 0.61 18,784,485,619.28 0.67 22,086,383,721.09 0.84 19,145,743,597.59 0.85
11. JAKARTA 360,186,874,076.71 20.22 433,838,945,361.89 20.49 670,294,749,377.10 23.82 597,496,337,775.91 22.65 480,639,304,868.08 21.33
12. JAWA BARAT 293,728,343,986.12 16.49 504,487,559,171.94 23.83 549,718,903,192.85 19.54 636,559,248,334.84 24.13 548,649,454,716.66 24.35
13. JAWA TENGAH 92,724,661,237.79 5.21 81,521,601,724.06 3.85 151,901,800,596.33 5.40 131,256,990,500.52 4.98 143,068,612,713.83 6.35
14. DIY 12,527,425,148.45 0.70 15,038,341,066.72 0.71 17,727,947,691.31 0.63 17,492,313,958.97 0.66 11,193,898,119.77 0.50
15. JAWA TIMUR 313,441,677,657.63 17.60 286,457,058,408.12 13.53 471,534,291,779.89 16.76 343,110,262,410.24 13.01 252,737,506,735.38 11.21
16. BANTEN 177,092,137,883.41 9.94 282,572,621,040.30 13.35 292,088,210,487.89 10.38 313,413,266,319.71 11.88 332,477,320,245.21 14.75
17. BALI 49,203,866,764.07 2.76 54,063,130,550.42 2.55 60,432,623,972.38 2.15 73,017,616,600.39 2.77 76,346,502,428.58 3.39
18. NUSA TENGGARA BARAT 4,255,189,848.05 0.24 4,439,481,653.30 0.21 5,154,888,404.14 0.18 7,037,283,774.70 0.27 6,288,758,781.26 0.28
19. NUSA TENGGARA TIMUR 910,203,226.09 0.05 1,281,077,691.84 0.06 2,433,951,389.85 0.09 3,202,050,183.76 0.12 2,100,962,506.69 0.09
20. KALIMANTAN BARAT 4,551,482,866.75 0.26 3,715,242,385.16 0.18 6,039,986,630.20 0.21 5,339,149,145.85 0.20 4,782,359,801.16 0.21
21. KALIMANTAN TENGAH 3,653,870,455.16 0.21 9,891,393,328.95 0.47 10,275,536,619.02 0.37 10,645,069,301.27 0.40 10,039,444,492.17 0.45
22. KALIMANTAN SELATAN 17,252,583,070.07 0.97 12,861,818,728.25 0.61 23,764,041,278.15 0.84 13,158,371,728.69 0.50 16,665,512,213.02 0.74
23. KALIMANTAN TIMUR 66,331,279,083.39 3.72 41,953,314,636.88 1.98 63,328,433,091.57 2.25 64,139,141,479.65 2.43 31,780,556,699.62 1.41
24. SULAWESI UTARA 9,258,666,923.52 0.52 14,784,020,132.47 0.70 37,734,111,355.96 1.34 21,043,730,358.64 0.80 22,745,313,648.92 1.01
25. SULAWESI TENGAH 1,457,246,253.15 0.08 2,004,618,104.55 0.09 3,458,457,420.21 0.12 3,283,776,168.73 0.12 4,927,754,178.57 0.22
26. SULAWESI SELATAN 24,033,270,826.51 1.35 17,315,074,412.18 0.82 24,628,172,808.30 0.88 27,720,712,938.81 1.05 16,401,520,482.90 0.73
27. SULAWESI TENGGARA 9,776,949,289.39 0.55 21,176,342,881.42 1.00 10,521,907,674.99 0.37 11,780,974,997.80 0.45 1,562,933,171.76 0.07
28. GORONTALO 16,153,816,862.08 0.91 18,305,444,645.48 0.86 25,429,715,295.48 0.90 28,065,752,289.99 1.06 1,587,065,303.99 0.07
29. SULAWESI BARAT 656,394,251.02 0.04 2,666,457,757.48 0.13 1,406,530,176.92 0.05 1,683,136,730.63 0.06 1,793,334,230.07 0.08
30. MALUKU 667,125,228.44 0.04 1,748,451,819.08 0.08 1,761,141,005.57 0.06 2,343,181,984.90 0.09 2,086,553,733.87 0.09
31. MALUKU UTARA 553,227,426.82 0.03 736,016,880.37 0.03 1,055,412,456.04 0.04 1,319,287,950.27 0.05 605,731,965.04 0.03
32. PAPUA BARAT 2,375,824,636.44 0.13 2,543,602,599.57 0.12 3,162,082,054.24 0.11 3,363,849,363.17 0.13 2,341,778,492.83 0.10
33. PAPUA 2,160,275,747.19 0.12 4,574,834,370.60 0.22 5,220,134,959.03 0.19 5,700,708,171.85 0.22 4,416,738,076.41 0.20
T OT AL 1,781,183,652,111.93 100.00 2,116,995,038,415.74 100.00 2,813,521,192,187.51 100.00 2,637,692,249,579.53 100.00 2,253,581,667,373.46 100.00
20
Number Of Risk By Cresta Zone
As At 31/12/2013
Tab le 4.1
Cresta Zone U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013
BANDA ACEH 1.1 547 634 517 584 443
MEDAN 1.2 5,178 5,664 5,776 5,970 4,728
OTHERS 1.3 3,380 5,147 4,490 4,576 2,714
NORTH SUMATERA 1 9,105 11,445 10,783 11,130 7,885
PADANG 2.1 4,240 8,363 9,866 10,567 8,020
PALEMBANG 2.2 1,602 1,613 1,440 1,509 1,214
OTHERS 2.3 11,986 17,028 16,559 17,231 11,561
SOUTH SUMATERA 2 17,828 27,004 27,865 29,307 20,795
JAKARTA 3.1 31,407 35,144 38,630 36,113 35,295
BANDUNG 3.2 1,323 1,684 1,146 1,986 1,373
OTHERS 3.3 27,928 34,730 34,081 36,366 23,224
WEST JAVA 3 60,658 71,558 73,857 74,465 59,892
SEMARANG 4.1 464 379 669 801 570
YOGYAKARTA 4.2 2,177 2,468 2,155 2,297 1,540
OTHERS 4.3 8,841 10,540 9,711 10,241 6,485
CENTRAL JAVA 4 11,482 13,387 12,535 13,339 8,595
SURABAYA 5.1 5,160 6,032 6,062 6,163 4,177
OTHERS 5.2 6,631 7,829 7,287 7,696 4,918
EAST JAVA 5 11,791 13,861 13,349 13,859 9,095
KALIMANTAN 6 4,775 7,002 5,726 7,559 4,989
UJUNG PANDANG 7.1 1,451 1,737 1,851 1,887 1,209
OTHERS 7.2 3,753 6,403 7,024 6,155 4,143
SULAWESI 7 5,204 8,140 8,875 8,042 5,352
OTHER ISLANDS 8 9,504 12,167 12,906 14,163 10,038
TOTAL 130,347 164,564 165,896 171,864 126,641
21
22
Number Of Risk By Occupation
As At 31/12/2013
Tab le 4.2
Occupation U/Y 2009 % U/Y 2010 % U/Y 2011 % U/Y 2012 % U/Y 2013 %
AGRICULTURAL A 252 0.19 441 0.27 379 0.23 420 0.24 333 0.26
COMMERCIAL C 74,406 57.08 83,090 50.49 91,395 55.09 94,220 54.82 64,217 50.71
INDUSTRIAL I 12,934 9.92 13,867 8.43 14,995 9.04 16,252 9.46 12,765 10.08
RESIDENTIAL R 42,755 32.80 67,166 40.81 59,127 35.64 60,972 35.48 49,326 38.95
TOTAL 130,347 100.00 164,564 100.00 165,896 100.00 171,864 100.00 126,641 100.00
23
Number of Risk By Occupation
Industrial, 12,934
Agricultural, 379
Residential, 59,127
Commercial, 74,406
Commercial, Industrial,
83,090 13,867
Commercial, 91,395
Residential, 42,755 Industrial, 14,995
Agricultural, 252
UY 2009 Agricultural, 441 Residential, UY 2011

67,166
Industrial, 12,765
UY 2010
Commercial,
94,220
Industrial, 16,252
Residential, 49,326
Commercial, 64,217
Residential, 60,972
Agricultural, 420
Agricultural, 333
UY 2012 UY 2013
24
Claim Frequency by Occupation
As At 31/12/2013
Tab le 5.1
Occupation U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013
AGRICULTURAL A 27 0 0 0 0
COMMERCIAL C 977 46 71 15 2
INDUSTRIAL I 23 1 0 0 0
RESIDENTIAL R 835 10 31 2 2
TOTAL 1,862 57 102 17 4
25
26
Claim Frequency by Cresta Zone
As At 31/12/2013
Tab le 5.2
BANDA ACEH 1.1 10 3 4 6 1

MEDAN 1.2 0 1 8 2 0
OTHERS 1.3 2 2 1 0 0
NORTH SUMATERA 1 12 6 13 8 1
PADANG 2.1 1,595 0 7 0 0
PALEMBANG 2.2 0 0 0 0 0
OTHERS 2.3 15 1 13 1 1
SOUTH SUMATERA 2 1,610 1 20 1 1
JAKARTA 3.1 37 1 2 0 0
BANDUNG 3.2 96 0 1 0 0
OTHERS 3.3 75 1 2 4 0
WEST JAVA 3 208 2 5 4 0
SEMARANG 4.1 0 0 0 0 0
YOGYAKARTA 4.2 1 3 0 0 0
OTHERS 4.3 2 6 0 0 0
CENTRAL JAVA 4 3 9 0 0 0
SURABAYA 5.1 0 0 0 0 0
OTHERS 5.2 0 2 0 0 0
EAST JAVA 5 0 2 0 0 0
KALIMANTAN 6 0 0 0 0 0
UJUNG PANDANG 7.1 0 1 0 0 0
OTHERS 7.2 0 2 1 1 0
SULAWESI 7 0 3 1 1 0
OTHER ISLANDS 8 29 34 63 3 2
TOTAL 1,862 57 102 17 4
27
28
Claim by Occupation
As At 31/12/2013
Tab le 5.3 In IDR
Occupation U/Y 2009 U/Y 2010 U/Y 2011 U/Y 2012 U/Y 2013

AGRICULTURAL A 14,121,897,296.24 1.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
COMMERCIAL C 904,718,509,594.94 91.35 42,365,682,812.73 97.35 16,030,661,263.49 96.14 2,356,896,601.54 94.02 67,000,000.00 41.25
INDUSTRIAL I 4,423,722,616.25 0.45 760,224,542.70 1.75 0.00 0.00 0.00 0.00 0.00 0.00
RESIDENTIAL R 67,175,942,895.10 6.78 391,785,430.40 0.90 642,983,109.86 3.86 150,000,000.00 5.98 95,436,000.00 58.75
TOTAL 990,440,072,402.53 100.00 43,517,692,785.83 100.00 16,673,644,373.35 100.00 2,506,896,601.54 100.00 162,436,000.00 100.00
29
Claim By Occupation
Commercial
91.35%
Commercial
96.14%
Commercial
97.35%
Industrial Agricultural
0.45% 0.00%
Agricultural Industrial
Residential
1.43% Residential 0.00%
3.86%
6.78%
UY 2011
Agricultural
UY 2009 0.00% Industrial
1.75%
Residential
0.90%
Commercial Industrial
UY 2010
41.25% 0.00%
Commercial
94.02%
Residential
58.75%
Agricultural
0.00%
Industrial Agricultural
Residential 0.00%
0.00%
5.98%
UY 2013
UY 2012
30
Claim by Cresta Zone
As At 31/12/2013
Tab le 5.4 In IDR
BANDA ACEH 1.1 634,630,000.00 0.06 215,965,351.00 0.50 7,583,593,500.00 45.48 1,733,974,900.00 69.17 21,000,000.00 12.93
MEDAN 1.2 0.00 0.00 17,388,400.00 0.04 182,115,427.45 1.09 14,936,201.00 0.60 0.00 0.00
OTHERS 1.3 42,855,792,400.00 4.33 426,822,938.00 0.98 62,469,898.00 0.37 0.00 0.00 0.00 0.00
NORTH SUMATERA 1 43,490,422,400.00 4.39 660,176,689.00 1.52 7,828,178,825.45 46.95 1,748,911,101.00 69.76 21,000,000.00 12.93
PADANG 2.1 878,022,947,435.88 88.65 0.00 0.00 64,390,800.00 0.39 0.00 0.00 0.00 0.00
PALEMBANG 2.2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
OTHERS 2.3 817,752,521.20 0.08 10,000,000.00 0.02 1,445,841,000.00 8.67 50,000,000.00 1.99 83,000,000.00 51.10
SOUTH SUMATERA 2 878,840,699,957.08 88.73 10,000,000.00 0.02 1,510,231,800.00 9.06 50,000,000.00 1.99 83,000,000.00 51.10
JAKARTA 3.1 1,907,873,467.61 0.19 2,508,000.00 0.01 60,000,000.00 0.36 0.00 0.00 0.00 0.00
BANDUNG 3.2 16,824,860,572.84 1.70 0.00 0.00 67,353,075.00 0.40 0.00 0.00 0.00 0.00
OTHERS 3.3 5,060,914,073.80 0.51 37,327,390.00 0.09 27,100,000.00 0.16 503,103,700.00 20.07 0.00 0.00
WEST JAVA 3 23,793,648,114.25 2.40 39,835,390.00 0.09 154,453,075.00 0.93 503,103,700.00 20.07 0.00 0.00
SEMARANG 4.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
YOGYAKARTA 4.2 171,507,756.40 0.02 30,159,054,600.00 69.30 0.00 0.00 0.00 0.00 0.00 0.00
OTHERS 4.3 9,854,250.00 0.00 4,049,914,560.59 9.31 0.00 0.00 0.00 0.00 0.00 0.00
CENTRAL JAVA 4 181,362,006.40 0.02 34,208,969,160.59 78.61 0.00 0.00 0.00 0.00 0.00 0.00
SURABAYA 5.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
OTHERS 5.2 0.00 0.00 46,008,723.00 0.11 0.00 0.00 0.00 0.00 0.00 0.00
EAST JAVA 5 0.00 0.00 46,008,723.00 0.11 0.00 0.00 0.00 0.00 0.00 0.00
KALIMANTAN 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
UJUNG PANDANG 7.1 0.00 0.00 760,224,542.70 1.75 0.00 0.00 0.00 0.00 0.00 0.00
OTHERS 7.2 0.00 0.00 90,491,945.00 0.21 50,000,000.00 0.30 75,371,521.00 3.01 0.00 0.00
SULAWESI 7 0.00 0.00 850,716,487.70 1.95 50,000,000.00 0.30 75,371,521.00 3.01 0.00 0.00
OTHER ISLANDS 8 44,133,939,924.80 4.46 7,701,986,335.54 17.70 7,130,780,672.90 42.77 129,510,279.54 5.17 58,436,000.00 35.97
TOTAL 990,440,072,402.53 100.00 43,517,692,785.83 100.00 16,673,644,373.35 100.00 2,506,896,601.54 100.00 162,436,000.00 100.00
31
Claim By Cresta Zone
( In Million IDR )
South Sumatera, South Sumatera,
1,510.23 West Java, 154.45
878,840.70
Central Java, North Sumatera, Central Java, 0.00

East Java, 0.00
34,208.97 7,828.18 Kalimantan, 0.00
Sulawesi, 50.00
West Java, 23,793.65

North Sumatera, Other Islands,
43,490.42 East Java, 46.01 Other Islands,
44,133.94 Kalimantan, 0.00
Central Java, 181.36 7,130.78
Sulawesi, 0.00 Sulawesi, 850.72
East Java, 0.00
Kalimantan, 0.00 West Java, 39.84 North Sumatera,
South Sumatera, 660.18 Other Islands,
UY 2011
UY 2009 10.00 7,701.99
Sulawesi, 75.37
Kalimantan, 0.00 Other Islands, 129.51 UY 2010
East Java, 0.00 South Sumatera,
Central Java, 0.00
83.00
West Java, 0.00
Central Java, 0.00
West Java, 503.10 East Java, 0.00
Kalimantan, 0.00
North Sumatera Sulawesi, 0.00
South Sumatera
South Sumatera,
West Java
50.00
Central Java
East Java
Kalimantan North Sumatera,

21.00
Other Islands,
Sulawesi 58.44
North Sumatera,
1,748.91 Other Islands
UY 2013
UY 2012
32
PT. Asuransi MAIPARK Indonesia
RISK & LOSS PROFILE

As At 31/12/2013
UNDERWRITING YEAR : 2009 - 2013
PROCESSING DATE 07/02/2014

OCCUPATION : ALL
SUM INSURED (BAND) GROSS PREMIUM INCURRED CLAIM

(in M illio n Rp) NUMBER OF RISKS (In M illio n Rp) CLAIM FREQUENCY (In M illio n Rp) LOSS RATIO
B A ND
F PERCENTAGE Rp PERCENTAGE F PERCENTAGE Rp PERCENTAGE PERCENTAGE
FROM TO f BAND CUM rp BAND CUM f BAND CUM rp BAND CUM BAND CUM
∑(d) (d)/ ∑(d) ∑(f ) ∑(h) (i)/ ∑(i) ∑(j) ∑(l) (m)/ ∑(m) ∑(n) ∑(p) (q)/ ∑(q) ∑(r) (p)/ (h) q/ i
(a) (b) (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u)
1 0.00 50.00 82,767 82,767 10.90 10.90 3,076.30 3,076.30 0.03 0.03 85 85 4.16 4.16 12,967.00 12,967.00 1.23 1.23 421.51 421.51
2 50.00 100.00 60,120 142,887 7.92 18.82 6,875.15 9,951.45 0.06 0.09 143 228 7.00 11.17 3,731.08 16,698.07 0.35 1.59 54.27 167.80
3 100.00 200.00 85,800 228,687 11.30 30.12 18,534.61 28,486.06 0.16 0.25 304 532 14.89 26.05 8,952.06 25,650.14 0.85 2.44 48.30 90.04
4 200.00 300.00 59,661 288,348 7.86 37.97 21,351.71 49,837.77 0.18 0.43 231 763 11.31 37.37 12,796.11 38,446.25 1.21 3.65 59.93 77.14
5 300.00 500.00 85,041 373,389 11.20 49.17 48,785.21 98,622.98 0.42 0.85 352 1,115 17.24 54.60 38,868.23 77,314.48 3.69 7.34 79.67 78.39
6 500.00 750.00 66,330 439,719 8.74 57.91 57,614.83 156,237.81 0.50 1.35 182 1,297 8.91 63.52 33,049.08 110,363.56 3.14 10.48 57.36 70.64
7 750.00 1,000.00 62,769 502,488 8.27 66.18 77,408.90 233,646.71 0.67 2.01 151 1,448 7.39 70.91 20,454.28 130,817.83 1.94 12.42 26.42 55.99
8 1,000.00 1,500.00 59,083 561,571 7.78 73.96 102,001.59 335,648.30 0.88 2.89 92 1,540 4.51 75.42 20,298.21 151,116.05 1.93 14.35 19.90 45.02
9 1,500.00 2,000.00 33,696 595,267 4.44 78.40 82,970.67 418,618.96 0.72 3.61 71 1,611 3.48 78.89 24,363.23 175,479.28 2.31 16.66 29.36 41.92
10 2,000.00 2,500.00 20,833 616,100 2.74 81.14 65,014.65 483,633.61 0.56 4.17 41 1,652 2.01 80.90 21,454.62 196,933.90 2.04 18.70 33.00 40.72
11 2,500.00 3,000.00 16,542 632,642 2.18 83.32 63,276.79 546,910.40 0.55 4.71 30 1,682 1.47 82.37 8,455.22 205,389.12 0.80 19.50 13.36 37.55
12 3,000.00 4,000.00 20,718 653,360 2.73 86.05 100,497.71 647,408.11 0.87 5.58 42 1,724 2.06 84.43 16,627.44 222,016.56 1.58 21.08 16.55 34.29
13 4,000.00 5,000.00 14,742 668,102 1.94 87.99 92,798.49 740,206.60 0.80 6.38 26 1,750 1.27 85.70 10,289.12 232,305.69 0.98 22.06 11.09 31.38
14 5,000.00 7,500.00 20,088 688,190 2.65 90.63 170,196.93 910,403.53 1.47 7.85 47 1,797 2.30 88.00 17,058.10 249,363.79 1.62 23.67 10.02 27.39
15 7,500.00 10,000.00 13,116 701,306 1.73 92.36 159,748.84 1,070,152.37 1.38 9.22 46 1,843 2.25 90.25 36,285.06 285,648.85 3.44 27.12 22.71 26.69
16 10,000.00 20,000.00 20,675 721,981 2.72 95.08 407,484.44 1,477,636.80 3.51 12.73 61 1,904 2.99 93.24 126,164.21 411,813.06 11.98 39.10 30.96 27.87
17 20,000.00 50,000.00 17,586 739,567 2.32 97.40 744,935.67 2,222,572.48 6.42 19.16 45 1,949 2.20 95.45 116,473.62 528,286.69 11.06 50.16 15.64 23.77
18 50,000.00 100,000.0 8,518 748,085 1.12 98.52 792,187.90 3,014,760.38 6.83 25.98 26 1,975 1.27 96.72 12,288.94 540,575.63 1.17 51.32 1.55 17.93
0
19 100,000.00 500,000.0 8,849 756,934 1.17 99.69 2,432,259.87 5,447,020.25 20.96 46.95 44 2,019 2.15 98.87 144,923.50 685,499.13 13.76 65.08 5.96 12.58
0
20 500,000.00 UP 2,378 759,312 0.31 100.00 6,155,953.55 11,602,973.80 53.05 100.00 23 2,042 1.13 100.00 367,801.62 1,053,300.74 34.92 100.00 5.97 9.08
33
RISK & LOSS PROFILE

As At 31/12/2013
UNDERWRITING YEAR : 2013

OCCUPATION : ALL

LL (in M illio n Rp) NUMBER OF RISKS (In M illio n Rp) CLAIM FREQUENCY (In M illio n Rp) LOSS RATIO
B A ND
F PERCENTA GE Rp PERCENTA GE F PERCENTA GE Rp PERCENTA GE PERCENTA GE
FROM TO f B A ND CUM rp B A ND CUM f B A ND CUM rp B A ND CUM B A ND CUM
(a) (b) (c) (d) (e) (f ) (g) (h) (i) (j) (k) (l) (m) (n) (o) (p) (q) (r) (s) (t) (u)
1 0.00 50.00 11,039 11,039 8.72 8.72 411.28 411.28 0.02 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 9,822 20,861 7.76 16.47 1,095.66 1,506.94 0.05 0.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 13,619 34,480 10.75 27.23 3,036.37 4,543.31 0.13 0.20 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 9,963 44,443 7.87 35.09 3,711.09 8,254.41 0.16 0.37 1 1 25.00 25.00 12.44 12.44 7.66 7.66 0.34 0.15
5 300.00 500.00 14,217 58,660 11.23 46.32 8,391.14 16,645.54 0.37 0.74 2 3 50.00 75.00 67.00 79.44 41.25 48.90 0.80 0.48
6 500.00 750.00 11,090 69,750 8.76 55.08 9,928.68 26,574.22 0.44 1.18 1 4 25.00 100.00 83.00 162.44 51.10 100.00 0.84 0.61
7 750.00 1,000.00 9,407 79,157 7.43 62.51 11,996.78 38,571.00 0.53 1.71 0 4 0.00 100.00 0.00 162.44 0.00 100.00 0.00 0.42
8 1,000.00 1,500.00 9,728 88,885 7.68 70.19 17,605.15 56,176.15 0.78 2.49 0 4 0.00 100.00 0.00 162.44 0.00 100.00 0.00 0.29
9 1,500.00 2,000.00 6,415 95,300 5.07 75.25 16,383.45 72,559.60 0.73 3.22 0 4 0.00 100.00 0.00 162.44 0.00 100.00 0.00 0.22
10 2,000.00 2,500.00 4,053 99,353 3.20 78.45 13,050.62 85,610.22 0.58 3.80 0 4 0.00 100.00 0.00 162.44 0.00 100.00 0.00 0.19
11 2,500.00 3,000.00 3,165 102,518 2.50 80.95 12,615.29 98,225.51 0.56 4.36 0 4 0.00 100.00 0.00 162.44 0.00 100.00 0.00 0.17
12 3,000.00 4,000.00 4,021 106,539 3.18 84.13 20,093.40 118,318.90 0.89 5.25 0 4 0.00 100.00 0.00 162.44 0.00 100.00 0.00 0.14
13 4,000.00 5,000.00 2,948 109,487 2.33 86.45 19,007.75 137,326.65 0.84 6.09 0 4 0.00 100.00 0.00 162.44 0.00 100.00 0.00 0.12
14 5,000.00 7,500.00 3,936 113,423 3.11 89.56 34,365.85 171,692.50 1.52 7.62 0 4 0.00 100.00 0.00 162.44 0.00 100.00 0.00 0.09
15 7,500.00 10,000.00 2,569 115,992 2.03 91.59 32,165.73 203,858.23 1.43 9.05 0 4 0.00 100.00 0.00 162.44 0.00 100.00 0.00 0.08
16 10,000.00 20,000.00 3,857 119,849 3.05 94.64 77,834.19 281,692.42 3.45 12.50 0 4 0.00 100.00 0.00 162.44 0.00 100.00 0.00 0.06
17 20,000.00 50,000.00 3,100 122,949 2.45 97.08 141,213.70 422,906.12 6.27 18.77 0 4 0.00 100.00 0.00 162.44 0.00 100.00 0.00 0.04
18 50,000.00 100,000.00 1,615 124,564 1.28 98.36 165,335.24 588,241.36 7.34 26.10 0 4 0.00 100.00 0.00 162.44 0.00 100.00 0.00 0.03
19 100,000.00 500,000.00 1,627 126,191 1.28 99.64 487,509.72 1,075,751.08 21.63 47.74 0 4 0.00 100.00 0.00 162.44 0.00 100.00 0.00 0.02
20 500,000.00 UP 450 126,641 0.36 100.00 1,177,830.58 2,253,581.67 52.26 100.00 0 4 0.00 100.00 0.00 162.44 0.00 100.00 0.00 0.01
34
RISK & LOSS PROFILE

As At 31/12/2013

OCCUPATION : ALL

B A ND
1 0.00 50.00 17,193 17,193 10.00 10.00 668.46 668.46 0.03 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 13,458 30,651 7.83 17.83 1,561.84 2,230.30 0.06 0.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 19,108 49,759 11.12 28.95 4,189.14 6,419.45 0.16 0.24 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 13,514 63,273 7.86 36.82 4,975.58 11,395.02 0.19 0.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 18,913 82,186 11.00 47.82 11,221.10 22,616.12 0.43 0.86 1 1 5.88 5.88 17.44 17.44 0.70 0.70 0.16 0.08
6 500.00 750.00 13,664 95,850 7.95 55.77 12,172.48 34,788.60 0.46 1.32 1 2 5.88 11.76 132.90 150.34 5.30 6.00 1.09 0.43
7 750.00 1,000.00 13,891 109,741 8.08 63.85 17,788.11 52,576.71 0.67 1.99 0 2 0.00 11.76 0.00 150.34 0.00 6.00 0.00 0.29
8 1,000.00 1,500.00 16,054 125,795 9.34 73.19 28,107.36 80,684.07 1.07 3.06 2 4 11.76 23.53 209.60 359.94 8.36 14.36 0.75 0.45
9 1,500.00 2,000.00 7,947 133,742 4.62 77.82 20,126.50 100,810.57 0.76 3.82 2 6 11.76 35.29 408.04 767.98 16.28 30.63 2.03 0.76
10 2,000.00 2,500.00 4,843 138,585 2.82 80.64 15,489.27 116,299.84 0.59 4.41 1 7 5.88 41.18 62.33 830.31 2.49 33.12 0.40 0.71
11 2,500.00 3,000.00 3,857 142,442 2.24 82.88 15,205.85 131,505.69 0.58 4.99 0 7 0.00 41.18 0.00 830.31 0.00 33.12 0.00 0.63
12 3,000.00 4,000.00 4,824 147,266 2.81 85.69 24,267.64 155,773.33 0.92 5.91 0 7 0.00 41.18 0.00 830.31 0.00 33.12 0.00 0.53
13 4,000.00 5,000.00 3,386 150,652 1.97 87.66 22,113.54 177,886.87 0.84 6.74 1 8 5.88 47.06 193.16 1,023.47 7.71 40.83 0.87 0.58
14 5,000.00 7,500.00 4,731 155,383 2.75 90.41 41,142.81 219,029.68 1.56 8.30 2 10 11.76 58.82 544.64 1,568.11 21.73 62.55 1.32 0.72
15 7,500.00 10,000.00 3,066 158,449 1.78 92.19 38,390.64 257,420.31 1.46 9.76 2 12 11.76 70.59 555.00 2,123.11 22.14 84.69 1.45 0.82
16 10,000.00 20,000.00 4,815 163,264 2.80 95.00 97,830.15 355,250.46 3.71 13.47 4 16 23.53 94.12 379.65 2,502.76 15.14 99.83 0.39 0.70
17 20,000.00 50,000.00 3,988 167,252 2.32 97.32 175,423.39 530,673.85 6.65 20.12 0 16 0.00 94.12 0.00 2,502.76 0.00 99.83 0.00 0.47
18 50,000.00 100,000.0 2,025 169,277 1.18 98.49 192,464.47 723,138.32 7.30 27.42 0 16 0.00 94.12 0.00 2,502.76 0.00 99.83 0.00 0.35
0
19 100,000.00 500,000.0 2,041 171,318 1.19 99.68 586,845.47 1,309,983.80 22.25 49.66 1 17 5.88 100.00 4.14 2,506.90 0.17 100.00 0.00 0.19
0
20 500,000.00 UP 546 171,864 0.32 100.00 1,327,708.45 2,637,692.25 50.34 100.00 0 17 0.00 100.00 0.00 2,506.90 0.00 100.00 0.00 0.10
35
RISK & LOSS PROFILE

As At 31/12/2013

OCCUPATION : ALL

B A ND
1 0.00 50.00 16,871 16,871 10.17 10.17 684.84 684.84 0.02 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 12,844 29,715 7.74 17.91 1,529.09 2,213.92 0.05 0.08 2 2 1.96 1.96 53.80 53.80 0.32 0.32 3.52 2.43
3 100.00 200.00 19,249 48,964 11.60 29.51 4,298.59 6,512.51 0.15 0.23 4 6 3.92 5.88 127.53 181.33 0.76 1.09 2.97 2.78
4 200.00 300.00 13,527 62,491 8.15 37.67 4,891.56 11,404.08 0.17 0.41 4 10 3.92 9.80 36.98 218.31 0.22 1.31 0.76 1.91
5 300.00 500.00 19,200 81,691 11.57 49.24 11,214.92 22,619.00 0.40 0.80 25 35 24.51 34.31 127.11 345.43 0.76 2.07 1.13 1.53
6 500.00 750.00 13,193 94,884 7.95 57.19 11,589.22 34,208.22 0.41 1.22 8 43 7.84 42.16 260.23 605.66 1.56 3.63 2.25 1.77
7 750.00 1,000.00 13,545 108,429 8.16 65.36 17,484.62 51,692.84 0.62 1.84 3 46 2.94 45.10 75.92 681.58 0.46 4.09 0.43 1.32
8 1,000.00 1,500.00 13,683 122,112 8.25 73.61 24,271.12 75,963.97 0.86 2.70 4 50 3.92 49.02 133.04 814.63 0.80 4.89 0.55 1.07
9 1,500.00 2,000.00 7,368 129,480 4.44 78.05 18,500.46 94,464.43 0.66 3.36 5 55 4.90 53.92 422.12 1,236.75 2.53 7.42 2.28 1.31
10 2,000.00 2,500.00 4,638 134,118 2.80 80.84 14,853.35 109,317.78 0.53 3.89 3 58 2.94 56.86 189.22 1,425.97 1.13 8.55 1.27 1.30
11 2,500.00 3,000.00 3,651 137,769 2.20 83.05 14,418.80 123,736.58 0.51 4.40 3 61 2.94 59.80 193.30 1,619.26 1.16 9.71 1.34 1.31
12 3,000.00 4,000.00 4,684 142,453 2.82 85.87 23,092.31 146,828.88 0.82 5.22 4 65 3.92 63.73 129.87 1,749.13 0.78 10.49 0.56 1.19
13 4,000.00 5,000.00 3,323 145,776 2.00 87.87 21,402.43 168,231.31 0.76 5.98 3 68 2.94 66.67 206.61 1,955.74 1.24 11.73 0.97 1.16
14 5,000.00 7,500.00 4,469 150,245 2.69 90.57 38,780.02 207,011.33 1.38 7.36 8 76 7.84 74.51 3,411.38 5,367.11 20.46 32.19 8.80 2.59
15 7,500.00 10,000.00 2,913 153,158 1.76 92.32 36,638.90 243,650.23 1.30 8.66 3 79 2.94 77.45 238.02 5,605.14 1.43 33.62 0.65 2.30
16 10,000.00 20,000.00 4,571 157,729 2.76 95.08 91,959.01 335,609.23 3.27 11.93 5 84 4.90 82.35 746.76 6,351.90 4.48 38.10 0.81 1.89
17 20,000.00 50,000.00 3,914 161,643 2.36 97.44 169,561.85 505,171.08 6.03 17.96 9 93 8.82 91.18 1,427.55 7,779.45 8.56 46.66 0.84 1.54
18 50,000.00 100,000.0 1,800 163,443 1.09 98.52 171,405.00 676,576.08 6.09 24.05 4 97 3.92 95.10 1,496.27 9,275.72 8.97 55.63 0.87 1.37
0
19 100,000.00 500,000.0 1,908 165,351 1.15 99.67 530,197.33 1,206,773.41 18.84 42.89 5 102 4.90 100.00 7,397.93 16,673.64 44.37 100.00 1.40 1.38
0
20 500,000.00 UP 545 165,896 0.33 100.00 1,606,747.78 2,813,521.19 57.11 100.00 0 102 0.00 100.00 0.00 16,673.64 0.00 100.00 0.00 0.59
36
RISK & LOSS PROFILE

As At 31/12/2013

OCCUPATION : ALL

B A ND
1 0.00 50.00 19,824 19,824 12.05 12.05 719.72 719.72 0.03 0.03 1 1 1.75 1.75 0.30 0.30 0.00 0.00 0.04 0.04
2 50.00 100.00 14,510 34,334 8.82 20.86 1,682.87 2,402.59 0.08 0.11 1 2 1.75 3.51 11.00 11.30 0.03 0.03 0.65 0.47
3 100.00 200.00 20,023 54,357 12.17 33.03 4,274.81 6,677.40 0.20 0.32 2 4 3.51 7.02 27.92 39.22 0.06 0.09 0.65 0.59
4 200.00 300.00 12,898 67,255 7.84 40.87 4,655.36 11,332.76 0.22 0.54 0 4 0.00 7.02 0.00 39.22 0.00 0.09 0.00 0.35
5 300.00 500.00 18,153 85,408 11.03 51.90 10,492.47 21,825.23 0.50 1.03 5 9 8.77 15.79 78.46 117.68 0.18 0.27 0.75 0.54
6 500.00 750.00 15,940 101,348 9.69 61.59 13,880.45 35,705.67 0.66 1.69 3 12 5.26 21.05 224.71 342.40 0.52 0.79 1.62 0.96
7 750.00 1,000.00 14,447 115,795 8.78 70.36 17,289.15 52,994.82 0.82 2.50 3 15 5.26 26.32 76.64 419.04 0.18 0.96 0.44 0.79
8 1,000.00 1,500.00 10,779 126,574 6.55 76.91 18,458.82 71,453.65 0.87 3.38 3 18 5.26 31.58 407.65 826.69 0.94 1.90 2.21 1.16
9 1,500.00 2,000.00 6,564 133,138 3.99 80.90 16,333.49 87,787.14 0.77 4.15 3 21 5.26 36.84 886.82 1,713.51 2.04 3.94 5.43 1.95
10 2,000.00 2,500.00 4,213 137,351 2.56 83.46 13,271.56 101,058.70 0.63 4.77 5 26 8.77 45.61 83.01 1,796.52 0.19 4.13 0.63 1.78
11 2,500.00 3,000.00 3,258 140,609 1.98 85.44 12,412.35 113,471.05 0.59 5.36 2 28 3.51 49.12 331.24 2,127.75 0.76 4.89 2.67 1.88
12 3,000.00 4,000.00 3,986 144,595 2.42 87.87 19,631.38 133,102.43 0.93 6.29 3 31 5.26 54.39 139.58 2,267.34 0.32 5.21 0.71 1.70
13 4,000.00 5,000.00 2,799 147,394 1.70 89.57 17,834.77 150,937.20 0.84 7.13 2 33 3.51 57.89 216.56 2,483.90 0.50 5.71 1.21 1.65
14 5,000.00 7,500.00 3,773 151,167 2.29 91.86 31,955.59 182,892.79 1.51 8.64 1 34 1.75 59.65 3.72 2,487.62 0.01 5.72 0.01 1.36
15 7,500.00 10,000.00 2,435 153,602 1.48 93.34 29,946.31 212,839.11 1.41 10.05 2 36 3.51 63.16 12.69 2,500.31 0.03 5.75 0.04 1.17
16 10,000.00 20,000.00 3,895 157,497 2.37 95.71 77,791.74 290,630.85 3.67 13.73 1 37 1.75 64.91 76.77 2,577.08 0.18 5.92 0.10 0.89
17 20,000.00 50,000.00 3,350 160,847 2.04 97.74 143,184.08 433,814.93 6.76 20.49 3 40 5.26 70.18 87.63 2,664.71 0.20 6.12 0.06 0.61
18 50,000.00 100,000.0 1,585 162,432 0.96 98.70 149,785.65 583,600.59 7.08 27.57 6 46 10.53 80.70 236.79 2,901.50 0.54 6.67 0.16 0.50
0
19 100,000.00 500,000.0 1,699 164,131 1.03 99.74 450,252.28 1,033,852.87 21.27 48.84 4 50 7.02 87.72 3,680.92 6,582.42 8.46 15.13 0.82 0.64
0
20 500,000.00 UP 433 164,564 0.26 100.00 1,083,142.17 2,116,995.04 51.16 100.00 7 57 12.28 100.00 36,935.27 43,517.69 84.87 100.00 3.41 2.06
37
RISK & LOSS PROFILE

As At 31/12/2013

OCCUPATION : ALL

B A ND
1 0.00 50.00 17,840 17,840 13.69 13.69 592.00 592.00 0.03 0.03 84 84 4.51 4.51 12,966.70 12,966.70 1.31 1.31 2,190.32 2,190.32
2 50.00 100.00 9,486 27,326 7.28 20.96 1,005.69 1,597.69 0.06 0.09 140 224 7.52 12.03 3,666.27 16,632.97 0.37 1.68 364.55 1,041.06
3 100.00 200.00 13,801 41,127 10.59 31.55 2,735.69 4,333.38 0.15 0.24 298 522 16.00 28.03 8,796.61 25,429.59 0.89 2.57 321.55 586.83
4 200.00 300.00 9,759 50,886 7.49 39.04 3,118.12 7,451.51 0.18 0.42 226 748 12.14 40.17 12,746.69 38,176.28 1.29 3.85 408.79 512.33
5 300.00 500.00 14,558 65,444 11.17 50.21 7,465.58 14,917.09 0.42 0.84 319 1,067 17.13 57.30 38,578.22 76,754.50 3.90 7.75 516.75 514.54
6 500.00 750.00 12,443 77,887 9.55 59.75 10,044.01 24,961.10 0.56 1.40 169 1,236 9.08 66.38 32,348.23 109,102.73 3.27 11.02 322.06 437.09
7 750.00 1,000.00 11,479 89,366 8.81 68.56 12,850.24 37,811.34 0.72 2.12 145 1,381 7.79 74.17 20,301.71 129,404.44 2.05 13.07 157.99 342.24
8 1,000.00 1,500.00 8,839 98,205 6.78 75.34 13,559.13 51,370.47 0.76 2.88 83 1,464 4.46 78.63 19,547.92 148,952.36 1.97 15.04 144.17 289.96
9 1,500.00 2,000.00 5,402 103,607 4.14 79.49 11,626.76 62,997.23 0.65 3.54 61 1,525 3.28 81.90 22,646.25 171,598.61 2.29 17.33 194.78 272.39
10 2,000.00 2,500.00 3,086 106,693 2.37 81.85 8,349.85 71,347.08 0.47 4.01 32 1,557 1.72 83.62 21,120.06 192,718.67 2.13 19.46 252.94 270.11
11 2,500.00 3,000.00 2,611 109,304 2.00 83.86 8,624.50 79,971.58 0.48 4.49 25 1,582 1.34 84.96 7,930.69 200,649.36 0.80 20.26 91.96 250.90
12 3,000.00 4,000.00 3,203 112,507 2.46 86.31 13,412.99 93,384.56 0.75 5.24 35 1,617 1.88 86.84 16,357.99 217,007.35 1.65 21.91 121.96 232.38
13 4,000.00 5,000.00 2,286 114,793 1.75 88.07 12,440.00 105,824.57 0.70 5.94 20 1,637 1.07 87.92 9,672.80 226,680.15 0.98 22.89 77.76 214.20
14 5,000.00 7,500.00 3,179 117,972 2.44 90.51 23,952.66 129,777.22 1.34 7.29 36 1,673 1.93 89.85 13,098.36 239,778.51 1.32 24.21 54.68 184.76
15 7,500.00 10,000.00 2,133 120,105 1.64 92.14 22,607.26 152,384.49 1.27 8.56 39 1,712 2.09 91.94 35,479.35 275,257.85 3.58 27.79 156.94 180.63
16 10,000.00 20,000.00 3,537 123,642 2.71 94.86 62,069.35 214,453.84 3.48 12.04 51 1,763 2.74 94.68 124,961.03 400,218.88 12.62 40.41 201.32 186.62
17 20,000.00 50,000.00 3,234 126,876 2.48 97.34 115,552.65 330,006.49 6.49 18.53 33 1,796 1.77 96.46 114,958.45 515,177.33 11.61 52.01 99.49 156.11
18 50,000.00 100,000.0 1,493 128,369 1.15 98.48 113,197.54 443,204.02 6.36 24.88 16 1,812 0.86 97.31 10,555.89 525,733.22 1.07 53.08 9.33 118.62
0
19 100,000.00 500,000.0 1,574 129,943 1.21 99.69 377,455.07 820,659.09 21.19 46.07 34 1,846 1.83 99.14 133,840.51 659,573.73 13.51 66.59 35.46 80.37
0
20 500,000.00 UP 404 130,347 0.31 100.00 960,524.56 1,781,183.65 53.93 100.00 16 1,862 0.86 100.00 330,866.34 990,440.07 33.41 100.00 34.45 55.61
38
RISK & LOSS PROFILE

As At 31/12/2013

OCCUPATION : AGRICULTURAL

(in M illio n Rp) NUMBER OF RISKS (In M illio n Rp) CLAIM FREQUENCY (In M illio n Rp) LOSS RATIO
B A ND
1 0.00 50.00 2 2 0.60 0.60 0.00 0.00 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 0 2 0.00 0.60 0.07 0.07 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 5 7 1.50 2.10 1.06 1.13 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 10 17 3.00 5.11 3.89 5.02 0.02 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 18 35 5.41 10.51 10.36 15.38 0.04 0.06 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 23 58 6.91 17.42 19.76 35.14 0.08 0.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 10 68 3.00 20.42 11.10 46.23 0.04 0.18 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 13 81 3.90 24.32 21.02 67.25 0.08 0.26 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 12 93 3.60 27.93 28.20 95.45 0.11 0.37 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 14 107 4.20 32.13 39.00 134.44 0.15 0.52 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 12 119 3.60 35.74 45.04 179.48 0.17 0.70 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 17 136 5.11 40.84 66.94 246.42 0.26 0.95 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 12 148 3.60 44.44 81.12 327.54 0.31 1.27 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 27 175 8.11 52.55 224.16 551.70 0.87 2.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 12 187 3.60 56.16 130.41 682.11 0.51 2.64 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 24 211 7.21 63.36 455.59 1,137.70 1.77 4.41 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 36 247 10.81 74.17 1,590.79 2,728.49 6.16 10.57 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.00 31 278 9.31 83.48 2,677.67 5,406.16 10.37 20.95 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19 100,000.00 500,000.00 52 330 15.62 99.10 11,471.72 16,877.88 44.45 65.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20 500,000.00 UP 3 333 0.90 100.00 8,931.54 25,809.42 34.61 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
39
RISK & LOSS PROFILE

As At 31/12/2013

OCCUPATION : COMMERCIAL

B A ND

1 0.00 50.00 5,654 5,654 8.80 8.80 237.35 237.35 0.05 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 5,837 11,491 9.09 17.89 653.05 890.41 0.13 0.17 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 6,658 18,149 10.37 28.26 1,477.82 2,368.23 0.29 0.46 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 4,444 22,593 6.92 35.18 1,696.52 4,064.75 0.33 0.79 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 6,727 29,320 10.48 45.66 4,085.94 8,150.68 0.79 1.58 2 2 100.00 100.00 67.00 67.00 100.00 100.00 1.64 0.82
6 500.00 750.00 5,810 35,130 9.05 54.71 5,348.98 13,499.66 1.04 2.61 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.50
7 750.00 1,000.00 4,961 40,091 7.73 62.43 6,493.74 19,993.40 1.26 3.87 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.34
8 1,000.00 1,500.00 5,007 45,098 7.80 70.23 9,348.89 29,342.29 1.81 5.68 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.23
9 1,500.00 2,000.00 3,504 48,602 5.46 75.68 9,193.01 38,535.30 1.78 7.46 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.17
10 2,000.00 2,500.00 2,116 50,718 3.30 78.98 6,923.89 45,459.19 1.34 8.80 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.15
11 2,500.00 3,000.00 1,718 52,436 2.68 81.65 6,984.51 52,443.70 1.35 10.15 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.13
12 3,000.00 4,000.00 2,140 54,576 3.33 84.99 10,867.38 63,311.08 2.10 12.25 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.11
13 4,000.00 5,000.00 1,630 56,206 2.54 87.53 10,693.10 74,004.19 2.07 14.32 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.09
14 5,000.00 7,500.00 2,117 58,323 3.30 90.82 18,873.83 92,878.02 3.65 17.97 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.07
15 7,500.00 10,000.00 1,358 59,681 2.11 92.94 16,866.84 109,744.85 3.26 21.24 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.06
16 10,000.00 20,000.00 1,946 61,627 3.03 95.97 39,194.05 148,938.90 7.58 28.82 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.04
17 20,000.00 50,000.00 1,466 63,093 2.28 98.25 65,636.01 214,574.91 12.70 41.52 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.03
18 50,000.00 100,000.0 560 63,653 0.87 99.12 56,846.72 271,421.63 11.00 52.52 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.02
0
19 100,000.00 500,000.0 487 64,140 0.76 99.88 133,737.88 405,159.51 25.88 78.40 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.02
0
20 500,000.00 UP 77 64,217 0.12 100.00 111,619.86 516,779.37 21.60 100.00 0 2 0.00 100.00 0.00 67.00 0.00 100.00 0.00 0.01
40
RISK & LOSS PROFILE

As At 31/12/2013

OCCUPATION : INDUSTRIAL

B A ND
1 0.00 50.00 1,580 1,580 12.38 12.38 39.10 39.10 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 313 1,893 2.45 14.83 34.58 73.68 0.00 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 418 2,311 3.27 18.10 98.96 172.64 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 403 2,714 3.16 21.26 147.75 320.38 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 481 3,195 3.77 25.03 296.72 617.10 0.02 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 432 3,627 3.38 28.41 398.37 1,015.47 0.03 0.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 422 4,049 3.31 31.72 560.89 1,576.35 0.04 0.11 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 726 4,775 5.69 37.41 1,329.08 2,905.43 0.09 0.20 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 527 5,302 4.13 41.54 1,362.99 4,268.42 0.10 0.30 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 461 5,763 3.61 45.15 1,525.83 5,794.26 0.11 0.41 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 373 6,136 2.92 48.07 1,514.76 7,309.02 0.11 0.51 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 507 6,643 3.97 52.04 2,557.57 9,866.59 0.18 0.69 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 439 7,082 3.44 55.48 2,855.01 12,721.60 0.20 0.90 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 781 7,863 6.12 61.60 6,841.47 19,563.07 0.48 1.38 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 615 8,478 4.82 66.42 8,017.42 27,580.49 0.56 1.94 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 1,120 9,598 8.77 75.19 22,907.43 50,487.92 1.61 3.56 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 1,164 10,762 9.12 84.31 54,470.46 104,958.38 3.84 7.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.0 814 11,576 6.38 90.69 82,945.90 187,904.28 5.84 13.24 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
19 100,000.00 500,000.0 864 12,440 6.77 97.45 267,875.95 455,780.23 18.87 32.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
20 500,000.00 UP 325 12,765 2.55 100.00 963,969.74 1,419,749.97 67.90 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
41
RISK & LOSS PROFILE

As At 31/12/2013

OCCUPATION : RESIDENTIAL

B A ND

1 0.00 50.00 3,803 3,803 7.71 7.71 134.83 134.83 0.05 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 3,672 7,475 7.44 15.15 407.96 542.79 0.14 0.19 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 6,538 14,013 13.25 28.41 1,458.53 2,001.32 0.50 0.69 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 5,106 19,119 10.35 38.76 1,862.94 3,864.26 0.64 1.33 1 1 50.00 50.00 12.44 12.44 13.03 13.03 0.67 0.32
5 300.00 500.00 6,991 26,110 14.17 52.93 3,998.12 7,862.38 1.37 2.70 0 1 0.00 50.00 0.00 12.44 0.00 13.03 0.00 0.16
6 500.00 750.00 4,825 30,935 9.78 62.72 4,161.58 12,023.96 1.43 4.13 1 2 50.00 100.00 83.00 95.44 86.97 100.00 1.99 0.79
7 750.00 1,000.00 4,014 34,949 8.14 70.85 4,931.05 16,955.01 1.69 5.82 0 2 0.00 100.00 0.00 95.44 0.00 100.00 0.00 0.56
8 1,000.00 1,500.00 3,982 38,931 8.07 78.93 6,906.17 23,861.18 2.37 8.19 0 2 0.00 100.00 0.00 95.44 0.00 100.00 0.00 0.40
9 1,500.00 2,000.00 2,372 41,303 4.81 83.73 5,799.25 29,660.43 1.99 10.18 0 2 0.00 100.00 0.00 95.44 0.00 100.00 0.00 0.32
10 2,000.00 2,500.00 1,462 42,765 2.96 86.70 4,561.89 34,222.33 1.57 11.75 0 2 0.00 100.00 0.00 95.44 0.00 100.00 0.00 0.28
11 2,500.00 3,000.00 1,062 43,827 2.15 88.85 4,070.97 38,293.30 1.40 13.15 0 2 0.00 100.00 0.00 95.44 0.00 100.00 0.00 0.25
12 3,000.00 4,000.00 1,357 45,184 2.75 91.60 6,601.50 44,894.80 2.27 15.41 0 2 0.00 100.00 0.00 95.44 0.00 100.00 0.00 0.21
13 4,000.00 5,000.00 867 46,051 1.76 93.36 5,378.52 50,273.33 1.85 17.26 0 2 0.00 100.00 0.00 95.44 0.00 100.00 0.00 0.19
14 5,000.00 7,500.00 1,011 47,062 2.05 95.41 8,426.39 58,699.71 2.89 20.15 0 2 0.00 100.00 0.00 95.44 0.00 100.00 0.00 0.16
15 7,500.00 10,000.00 584 47,646 1.18 96.59 7,151.07 65,850.78 2.46 22.61 0 2 0.00 100.00 0.00 95.44 0.00 100.00 0.00 0.14
16 10,000.00 20,000.00 767 48,413 1.55 98.15 15,277.11 81,127.90 5.25 27.86 0 2 0.00 100.00 0.00 95.44 0.00 100.00 0.00 0.12
17 20,000.00 50,000.00 434 48,847 0.88 99.03 19,516.45 100,644.34 6.70 34.56 0 2 0.00 100.00 0.00 95.44 0.00 100.00 0.00 0.09
18 50,000.00 100,000.0 210 49,057 0.43 99.45 22,864.94 123,509.29 7.85 42.41 0 2 0.00 100.00 0.00 95.44 0.00 100.00 0.00 0.08
0
19 100,000.00 500,000.0 224 49,281 0.45 99.91 74,424.18 197,933.47 25.55 67.96 0 2 0.00 100.00 0.00 95.44 0.00 100.00 0.00 0.05
0
20 500,000.00 UP 45 49,326 0.09 100.00 93,309.44 291,242.90 32.04 100.00 0 2 0.00 100.00 0.00 95.44 0.00 100.00 0.00 0.03
42
RISK & LOSS PROFILE

As At 31/12/2013


B A ND
1 0.00 50.00 3 3 0.71 0.71 0.17 0.17 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 3 6 0.71 1.43 0.63 0.80 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 4 10 0.95 2.38 1.07 1.87 0.00 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 9 19 2.14 4.52 3.20 5.07 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 18 37 4.29 8.81 11.19 16.25 0.04 0.06 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 31 68 7.38 16.19 27.22 43.47 0.09 0.15 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 9 77 2.14 18.33 12.52 56.00 0.04 0.19 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 16 93 3.81 22.14 25.24 81.23 0.09 0.28 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 23 116 5.48 27.62 54.94 136.17 0.19 0.46 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 11 127 2.62 30.24 35.38 171.56 0.12 0.58 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 19 146 4.52 34.76 67.11 238.67 0.23 0.81 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 18 164 4.29 39.05 71.42 310.09 0.24 1.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 13 177 3.10 42.14 98.66 408.75 0.33 1.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 30 207 7.14 49.29 235.58 644.33 0.80 2.18 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 21 228 5.00 54.29 265.21 909.54 0.90 3.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 28 256 6.67 60.95 499.62 1,409.16 1.69 4.78 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 58 314 13.81 74.76 2,645.23 4,054.39 8.97 13.75 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.0 48 362 11.43 86.19 4,437.07 8,491.45 15.04 28.79 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
19 100,000.00 500,000.0 52 414 12.38 98.57 12,434.00 20,925.45 42.16 70.95 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
20 500,000.00 UP 6 420 1.43 100.00 8,569.63 29,495.08 29.05 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
43
RISK & LOSS PROFILE

As At 31/12/2013


B A ND
1 0.00 50.00 10,417 10,417 11.06 11.06 460.31 460.31 0.07 0.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 8,588 19,005 9.11 20.17 1,015.31 1,475.63 0.16 0.23 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 9,687 28,692 10.28 30.45 2,139.18 3,614.80 0.33 0.56 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 6,300 34,992 6.69 37.14 2,386.18 6,000.98 0.37 0.94 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 9,309 44,301 9.88 47.02 5,704.57 11,705.56 0.89 1.83 1 1 6.67 6.67 17.44 17.44 0.74 0.74 0.31 0.15
6 500.00 750.00 7,196 51,497 7.64 54.66 6,567.94 18,273.49 1.03 2.86 1 2 6.67 13.33 132.90 150.34 5.64 6.38 2.02 0.82
7 750.00 1,000.00 8,493 59,990 9.01 63.67 11,155.33 29,428.82 1.74 4.60 0 2 0.00 13.33 0.00 150.34 0.00 6.38 0.00 0.51
8 1,000.00 1,500.00 10,593 70,583 11.24 74.91 18,556.21 47,985.03 2.90 7.50 1 3 6.67 20.00 159.60 309.94 6.77 13.15 0.86 0.65
9 1,500.00 2,000.00 4,652 75,235 4.94 79.85 12,019.94 60,004.97 1.88 9.38 2 5 13.33 33.33 408.04 717.98 17.31 30.46 3.39 1.20
10 2,000.00 2,500.00 2,698 77,933 2.86 82.71 8,751.75 68,756.73 1.37 10.75 1 6 6.67 40.00 62.33 780.31 2.64 33.11 0.71 1.13
11 2,500.00 3,000.00 2,106 80,039 2.24 84.95 8,384.25 77,140.98 1.31 12.06 0 6 0.00 40.00 0.00 780.31 0.00 33.11 0.00 1.01
12 3,000.00 4,000.00 2,637 82,676 2.80 87.75 13,460.15 90,601.13 2.10 14.16 0 6 0.00 40.00 0.00 780.31 0.00 33.11 0.00 0.86
13 4,000.00 5,000.00 1,880 84,556 2.00 89.74 12,320.20 102,921.33 1.93 16.09 1 7 6.67 46.67 193.16 973.47 8.20 41.30 1.57 0.95
14 5,000.00 7,500.00 2,484 87,040 2.64 92.38 21,520.29 124,441.62 3.36 19.45 2 9 13.33 60.00 544.64 1,518.11 23.11 64.41 2.53 1.22
15 7,500.00 10,000.00 1,590 88,630 1.69 94.07 19,812.64 144,254.27 3.10 22.55 2 11 13.33 73.33 555.00 2,073.11 23.55 87.96 2.80 1.44
16 10,000.00 20,000.00 2,407 91,037 2.55 96.62 47,509.73 191,764.00 7.43 29.97 3 14 20.00 93.33 279.65 2,352.76 11.87 99.82 0.59 1.23
17 20,000.00 50,000.00 1,775 92,812 1.88 98.51 75,238.25 267,002.25 11.76 41.73 0 14 0.00 93.33 0.00 2,352.76 0.00 99.82 0.00 0.88
18 50,000.00 100,000.0 779 93,591 0.83 99.33 70,456.74 337,458.99 11.01 52.75 0 14 0.00 93.33 0.00 2,352.76 0.00 99.82 0.00 0.70
0
19 100,000.00 500,000.0 534 94,125 0.57 99.90 146,434.48 483,893.47 22.89 75.63 1 15 6.67 100.00 4.14 2,356.90 0.18 100.00 0.00 0.49
0
20 500,000.00 UP 95 94,220 0.10 100.00 155,899.30 639,792.77 24.37 100.00 0 15 0.00 100.00 0.00 2,356.90 0.00 100.00 0.00 0.37
44
RISK & LOSS PROFILE

As At 31/12/2013


B A ND

1 0.00 50.00 889 889 5.47 5.47 31.82 31.82 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 404 1,293 2.49 7.96 45.66 77.48 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 653 1,946 4.02 11.97 147.88 225.36 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 631 2,577 3.88 15.86 227.29 452.65 0.01 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 765 3,342 4.71 20.56 468.18 920.83 0.03 0.06 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 691 4,033 4.25 24.82 625.98 1,546.81 0.04 0.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 652 4,685 4.01 28.83 876.23 2,423.04 0.05 0.15 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 954 5,639 5.87 34.70 1,838.88 4,261.92 0.11 0.26 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 692 6,331 4.26 38.96 1,807.17 6,069.09 0.11 0.37 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 578 6,909 3.56 42.51 1,860.89 7,929.98 0.11 0.49 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 515 7,424 3.17 45.68 2,102.90 10,032.88 0.13 0.62 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 748 8,172 4.60 50.28 3,790.54 13,823.42 0.23 0.85 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 586 8,758 3.61 53.89 3,809.76 17,633.18 0.23 1.09 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 1,037 9,795 6.38 60.27 9,168.09 26,801.26 0.56 1.65 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 781 10,576 4.81 65.08 9,713.24 36,514.50 0.60 2.25 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 1,484 12,060 9.13 74.21 29,882.51 66,397.01 1.84 4.09 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 1,632 13,692 10.04 84.25 73,066.88 139,463.89 4.50 8.59 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.0 978 14,670 6.02 90.27 95,952.15 235,416.03 5.91 14.50 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
19 100,000.00 500,000.0 1,181 15,851 7.27 97.53 340,433.54 575,849.57 20.97 35.47 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
20 500,000.00 UP 401 16,252 2.47 100.00 1,047,451.74 1,623,301.32 64.53 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
45
RISK & LOSS PROFILE

As At 31/12/2013


B A ND

1 0.00 50.00 5,884 5,884 9.65 9.65 176.15 176.15 0.05 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 4,463 10,347 7.32 16.97 500.25 676.40 0.14 0.20 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 8,764 19,111 14.37 31.34 1,901.02 2,577.42 0.55 0.75 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 6,574 25,685 10.78 42.13 2,358.91 4,936.33 0.68 1.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 8,821 34,506 14.47 56.59 5,037.16 9,973.48 1.46 2.89 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 5,746 40,252 9.42 66.02 4,951.34 14,924.83 1.43 4.32 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 4,737 44,989 7.77 73.79 5,744.03 20,668.85 1.66 5.99 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 4,491 49,480 7.37 81.15 7,687.03 28,355.89 2.23 8.22 1 1 50.00 50.00 50.00 50.00 33.33 33.33 0.65 0.18
9 1,500.00 2,000.00 2,580 52,060 4.23 85.38 6,244.44 34,600.33 1.81 10.03 0 1 0.00 50.00 0.00 50.00 0.00 33.33 0.00 0.14
10 2,000.00 2,500.00 1,556 53,616 2.55 87.94 4,841.25 39,441.57 1.40 11.43 0 1 0.00 50.00 0.00 50.00 0.00 33.33 0.00 0.13
11 2,500.00 3,000.00 1,217 54,833 2.00 89.93 4,651.59 44,093.16 1.35 12.78 0 1 0.00 50.00 0.00 50.00 0.00 33.33 0.00 0.11
12 3,000.00 4,000.00 1,421 56,254 2.33 92.26 6,945.53 51,038.69 2.01 14.79 0 1 0.00 50.00 0.00 50.00 0.00 33.33 0.00 0.10
13 4,000.00 5,000.00 907 57,161 1.49 93.75 5,884.92 56,923.61 1.71 16.49 0 1 0.00 50.00 0.00 50.00 0.00 33.33 0.00 0.09
14 5,000.00 7,500.00 1,180 58,341 1.94 95.68 10,218.85 67,142.46 2.96 19.46 0 1 0.00 50.00 0.00 50.00 0.00 33.33 0.00 0.07
15 7,500.00 10,000.00 674 59,015 1.11 96.79 8,599.55 75,742.01 2.49 21.95 0 1 0.00 50.00 0.00 50.00 0.00 33.33 0.00 0.07
16 10,000.00 20,000.00 896 59,911 1.47 98.26 19,938.29 95,680.29 5.78 27.73 1 2 50.00 100.00 100.00 150.00 66.67 100.00 0.50 0.16
17 20,000.00 50,000.00 523 60,434 0.86 99.12 24,473.03 120,153.33 7.09 34.82 0 2 0.00 100.00 0.00 150.00 0.00 100.00 0.00 0.12
18 50,000.00 100,000.0 220 60,654 0.36 99.48 21,618.53 141,771.85 6.26 41.08 0 2 0.00 100.00 0.00 150.00 0.00 100.00 0.00 0.11
0
19 100,000.00 500,000.0 274 60,928 0.45 99.93 87,543.45 229,315.30 25.37 66.45 0 2 0.00 100.00 0.00 150.00 0.00 100.00 0.00 0.07
0
20 500,000.00 UP 44 60,972 0.07 100.00 115,787.78 345,103.08 33.55 100.00 0 2 0.00 100.00 0.00 150.00 0.00 100.00 0.00 0.04
46
RISK & LOSS PROFILE

As At 31/12/2013


B A ND

1 0.00 50.00 5 5 1.32 1.32 0.54 0.54 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 5 10 1.32 2.64 1.06 1.59 0.00 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 10 20 2.64 5.28 4.55 6.14 0.02 0.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 8 28 2.11 7.39 4.97 11.11 0.02 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 10 38 2.64 10.03 9.37 20.48 0.04 0.09 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 16 54 4.22 14.25 16.06 36.53 0.07 0.15 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 6 60 1.58 15.83 6.32 42.85 0.03 0.18 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 26 86 6.86 22.69 51.87 94.72 0.22 0.40 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 15 101 3.96 26.65 40.90 135.62 0.17 0.57 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 12 113 3.17 29.82 44.72 180.34 0.19 0.76 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 13 126 3.43 33.25 52.69 233.03 0.22 0.98 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 14 140 3.69 36.94 68.58 301.61 0.29 1.26 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 7 147 1.85 38.79 54.14 355.75 0.23 1.49 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 20 167 5.28 44.06 155.53 511.28 0.65 2.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 23 190 6.07 50.13 247.82 759.10 1.04 3.18 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 32 222 8.44 58.58 536.16 1,295.26 2.25 5.43 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 63 285 16.62 75.20 2,445.70 3,740.96 10.25 15.68 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.0 47 332 12.40 87.60 4,569.84 8,310.80 19.15 34.83 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
19 100,000.00 500,000.0 40 372 10.55 98.15 7,644.18 15,954.98 32.04 66.87 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
20 500,000.00 UP 7 379 1.85 100.00 7,904.59 23,859.57 33.13 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
47
RISK & LOSS PROFILE

As At 31/12/2013


B A ND
1 0.00 50.00 12,633 12,633 13.82 13.82 520.70 520.70 0.07 0.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 7,883 20,516 8.63 22.45 941.69 1,462.38 0.13 0.19 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 9,527 30,043 10.42 32.87 2,169.32 3,631.70 0.29 0.48 1 1 1.41 1.41 4.82 4.82 0.03 0.03 0.22 0.13
4 200.00 300.00 6,256 36,299 6.85 39.72 2,328.61 5,960.31 0.31 0.79 2 3 2.82 4.23 16.98 21.80 0.11 0.14 0.73 0.37
5 300.00 500.00 9,453 45,752 10.34 50.06 5,746.19 11,706.50 0.76 1.56 16 19 22.54 26.76 65.99 87.79 0.41 0.55 1.15 0.75
6 500.00 750.00 6,700 52,452 7.33 57.39 6,047.68 17,754.17 0.80 2.36 4 23 5.63 32.39 136.19 223.98 0.85 1.40 2.25 1.26
7 750.00 1,000.00 8,384 60,836 9.17 66.56 11,235.22 28,989.40 1.50 3.86 1 24 1.41 33.80 62.47 286.45 0.39 1.79 0.56 0.99
8 1,000.00 1,500.00 8,425 69,261 9.22 75.78 15,151.01 44,140.41 2.02 5.87 2 26 2.82 36.62 107.84 394.29 0.67 2.46 0.71 0.89
9 1,500.00 2,000.00 4,191 73,452 4.59 80.37 10,688.54 54,828.95 1.42 7.30 4 30 5.63 42.25 373.42 767.70 2.33 4.79 3.49 1.40
10 2,000.00 2,500.00 2,591 76,043 2.83 83.20 8,400.49 63,229.44 1.12 8.41 3 33 4.23 46.48 189.22 956.92 1.18 5.97 2.25 1.51
11 2,500.00 3,000.00 1,976 78,019 2.16 85.36 7,942.59 71,172.03 1.06 9.47 2 35 2.82 49.30 179.63 1,136.55 1.12 7.09 2.26 1.60
12 3,000.00 4,000.00 2,562 80,581 2.80 88.17 12,773.73 83,945.76 1.70 11.17 3 38 4.23 53.52 104.87 1,241.42 0.65 7.74 0.82 1.48
13 4,000.00 5,000.00 1,859 82,440 2.03 90.20 12,106.25 96,052.00 1.61 12.78 3 41 4.23 57.75 206.61 1,448.03 1.29 9.03 1.71 1.51
14 5,000.00 7,500.00 2,372 84,812 2.60 92.80 20,427.23 116,479.23 2.72 15.50 7 48 9.86 67.61 3,401.26 4,849.28 21.22 30.25 16.65 4.16
15 7,500.00 10,000.00 1,487 86,299 1.63 94.42 18,545.64 135,024.87 2.47 17.97 3 51 4.23 71.83 238.02 5,087.31 1.48 31.73 1.28 3.77
16 10,000.00 20,000.00 2,302 88,601 2.52 96.94 44,139.17 179,164.04 5.87 23.84 4 55 5.63 77.46 696.76 5,784.07 4.35 36.08 1.58 3.23
17 20,000.00 50,000.00 1,680 90,281 1.84 98.78 71,982.74 251,146.78 9.58 33.42 7 62 9.86 87.32 1,352.39 7,136.47 8.44 44.52 1.88 2.84
18 50,000.00 100,000.0 622 90,903 0.68 99.46 61,912.59 313,059.37 8.24 41.66 4 66 5.63 92.96 1,496.27 8,632.73 9.33 53.85 2.42 2.76
0
19 100,000.00 500,000.0 421 91,324 0.46 99.92 115,460.29 428,519.66 15.36 57.02 5 71 7.04 100.00 7,397.93 16,030.66 46.15 100.00 6.41 3.74
0
20 500,000.00 UP 71 91,395 0.08 100.00 322,944.19 751,463.85 42.98 100.00 0 71 0.00 100.00 0.00 16,030.66 0.00 100.00 0.00 2.13
48
RISK & LOSS PROFILE

As At 31/12/2013
PROCESSING 07/02/2014
DATE

B A ND

1 0.00 50.00 501 501 3.34 3.34 16.50 16.50 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 288 789 1.92 5.26 36.14 52.64 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 552 1,341 3.68 8.94 133.20 185.84 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 386 1,727 2.57 11.52 162.92 348.76 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 686 2,413 4.57 16.09 445.58 794.35 0.03 0.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 583 2,996 3.89 19.98 584.86 1,379.21 0.03 0.08 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 663 3,659 4.42 24.40 913.68 2,292.88 0.05 0.14 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 955 4,614 6.37 30.77 1,845.64 4,138.52 0.11 0.24 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 708 5,322 4.72 35.49 1,927.47 6,065.99 0.11 0.36 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 544 5,866 3.63 39.12 1,799.01 7,865.00 0.11 0.46 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 471 6,337 3.14 42.26 2,039.53 9,904.53 0.12 0.58 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 735 7,072 4.90 47.16 3,620.91 13,525.44 0.21 0.80 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 593 7,665 3.95 51.12 3,877.10 17,402.53 0.23 1.03 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 955 8,620 6.37 57.49 8,297.93 25,700.46 0.49 1.52 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 763 9,383 5.09 62.57 9,667.88 35,368.34 0.57 2.09 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 1,427 10,810 9.52 72.09 28,808.42 64,176.76 1.70 3.79 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 1,638 12,448 10.92 83.01 70,587.73 134,764.49 4.16 7.95 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.0 919 13,367 6.13 89.14 81,939.20 216,703.69 4.83 12.78 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
19 100,000.00 500,000.0 1,204 14,571 8.03 97.17 326,765.60 543,469.29 19.27 32.05 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
20 500,000.00 UP 424 14,995 2.83 100.00 1,152,053.49 1,695,522.78 67.95 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
49
RISK & LOSS PROFILE

As At 31/12/2013


B A ND

1 0.00 50.00 3,732 3,732 6.31 6.31 147.10 147.10 0.04 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 4,668 8,400 7.89 14.21 550.20 697.31 0.16 0.20 2 2 6.45 6.45 53.80 53.80 8.37 8.37 9.78 7.72
3 100.00 200.00 9,160 17,560 15.49 29.70 1,991.53 2,688.83 0.58 0.78 3 5 9.68 16.13 122.71 176.52 19.08 27.45 6.16 6.56
4 200.00 300.00 6,877 24,437 11.63 41.33 2,395.07 5,083.90 0.70 1.48 2 7 6.45 22.58 20.00 196.52 3.11 30.56 0.84 3.87
5 300.00 500.00 9,051 33,488 15.31 56.64 5,013.78 10,097.68 1.46 2.95 9 16 29.03 51.61 61.12 257.64 9.51 40.07 1.22 2.55
6 500.00 750.00 5,894 39,382 9.97 66.61 4,940.63 15,038.31 1.44 4.39 4 20 12.90 64.52 124.04 381.68 19.29 59.36 2.51 2.54
7 750.00 1,000.00 4,492 43,874 7.60 74.20 5,329.41 20,367.71 1.56 5.94 2 22 6.45 70.97 13.45 395.13 2.09 61.45 0.25 1.94
8 1,000.00 1,500.00 4,277 48,151 7.23 81.44 7,222.60 27,590.31 2.11 8.05 2 24 6.45 77.42 25.21 420.34 3.92 65.37 0.35 1.52
9 1,500.00 2,000.00 2,454 50,605 4.15 85.59 5,843.55 33,433.87 1.71 9.76 1 25 3.23 80.65 48.70 469.04 7.57 72.95 0.83 1.40
10 2,000.00 2,500.00 1,491 52,096 2.52 88.11 4,609.13 38,043.00 1.35 11.10 0 25 0.00 80.65 0.00 469.04 0.00 72.95 0.00 1.23
11 2,500.00 3,000.00 1,191 53,287 2.01 90.12 4,383.99 42,426.99 1.28 12.38 1 26 3.23 83.87 13.67 482.71 2.13 75.07 0.31 1.14
12 3,000.00 4,000.00 1,373 54,660 2.32 92.45 6,629.09 49,056.08 1.93 14.32 1 27 3.23 87.10 25.00 507.71 3.89 78.96 0.38 1.03
13 4,000.00 5,000.00 864 55,524 1.46 93.91 5,364.94 54,421.02 1.57 15.88 0 27 0.00 87.10 0.00 507.71 0.00 78.96 0.00 0.93
14 5,000.00 7,500.00 1,122 56,646 1.90 95.80 9,899.34 64,320.36 2.89 18.77 1 28 3.23 90.32 10.12 517.83 1.57 80.54 0.10 0.81
15 7,500.00 10,000.00 640 57,286 1.08 96.89 8,177.55 72,497.91 2.39 21.16 0 28 0.00 90.32 0.00 517.83 0.00 80.54 0.00 0.71
16 10,000.00 20,000.00 810 58,096 1.37 98.26 18,475.26 90,973.17 5.39 26.55 1 29 3.23 93.55 50.00 567.83 7.78 88.31 0.27 0.62
17 20,000.00 50,000.00 533 58,629 0.90 99.16 24,545.68 115,518.85 7.16 33.71 2 31 6.45 100.00 75.15 642.98 11.69 100.00 0.31 0.56
18 50,000.00 100,000.0 212 58,841 0.36 99.52 22,983.37 138,502.22 6.71 40.42 0 31 0.00 100.00 0.00 642.98 0.00 100.00 0.00 0.46
0
19 100,000.00 500,000.0 243 59,084 0.41 99.93 80,327.26 218,829.48 23.44 63.86 0 31 0.00 100.00 0.00 642.98 0.00 100.00 0.00 0.29
0
20 500,000.00 UP 43 59,127 0.07 100.00 123,845.51 342,674.99 36.14 100.00 0 31 0.00 100.00 0.00 642.98 0.00 100.00 0.00 0.19
50
RISK & LOSS PROFILE

As At 31/12/2013


B A ND
1 0.00 50.00 10 10 2.27 2.27 0.45 0.45 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 10 20 2.27 4.54 1.28 1.73 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 15 35 3.40 7.94 3.26 4.98 0.02 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 11 46 2.49 10.43 3.60 8.58 0.02 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 14 60 3.17 13.61 6.76 15.34 0.03 0.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 7 67 1.59 15.19 5.02 20.37 0.02 0.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 10 77 2.27 17.46 11.59 31.96 0.06 0.15 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 26 103 5.90 23.36 45.11 77.07 0.22 0.37 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 35 138 7.94 31.29 82.59 159.66 0.40 0.77 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 7 145 1.59 32.88 27.65 187.31 0.13 0.90 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 11 156 2.49 35.37 40.73 228.04 0.20 1.09 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 13 169 2.95 38.32 61.85 289.89 0.30 1.39 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 12 181 2.72 41.04 67.69 357.58 0.32 1.72 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 28 209 6.35 47.39 200.41 557.98 0.96 2.68 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 18 227 4.08 51.47 217.83 775.82 1.05 3.72 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 37 264 8.39 59.86 658.85 1,434.67 3.16 6.89 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 61 325 13.83 73.70 2,619.52 4,054.19 12.57 19.46 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.0 55 380 12.47 86.17 5,288.89 9,343.08 25.38 44.84 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
19 100,000.00 500,000.0 56 436 12.70 98.87 8,409.49 17,752.57 40.36 85.21 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0
20 500,000.00 UP 5 441 1.13 100.00 3,082.34 20,834.91 14.79 100.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
51
RISK & LOSS PROFILE

As At 31/12/2013


B A ND
1 0.00 50.00 13,327 13,327 16.04 16.04 460.69 460.69 0.11 0.11 1 1 2.17 2.17 0.30 0.30 0.00 0.00 0.07 0.07
2 50.00 100.00 6,432 19,759 7.74 23.78 747.56 1,208.24 0.17 0.28 1 2 2.17 4.35 11.00 11.30 0.03 0.03 1.47 0.94
3 100.00 200.00 8,905 28,664 10.72 34.50 1,894.09 3,102.33 0.44 0.71 1 3 2.17 6.52 14.20 25.50 0.03 0.06 0.75 0.82
4 200.00 300.00 5,674 34,338 6.83 41.33 2,101.96 5,204.29 0.48 1.20 0 3 0.00 6.52 0.00 25.50 0.00 0.06 0.00 0.49
5 300.00 500.00 8,459 42,797 10.18 51.51 5,065.82 10,270.11 1.16 2.36 1 4 2.17 8.70 1.20 26.70 0.00 0.06 0.02 0.26
6 500.00 750.00 7,041 49,838 8.47 59.98 5,935.87 16,205.98 1.36 3.73 1 5 2.17 10.87 131.58 158.29 0.31 0.37 2.22 0.98
7 750.00 1,000.00 8,592 58,430 10.34 70.32 10,209.90 26,415.89 2.35 6.07 2 7 4.35 15.22 41.64 199.92 0.10 0.47 0.41 0.76
8 1,000.00 1,500.00 6,019 64,449 7.24 77.57 10,264.73 36,680.61 2.36 8.43 3 10 6.52 21.74 407.65 607.57 0.96 1.43 3.97 1.66
9 1,500.00 2,000.00 3,612 68,061 4.35 81.91 9,129.87 45,810.48 2.10 10.53 2 12 4.35 26.09 126.59 734.16 0.30 1.73 1.39 1.60
10 2,000.00 2,500.00 2,383 70,444 2.87 84.78 7,620.48 53,430.96 1.75 12.29 4 16 8.70 34.78 41.07 775.23 0.10 1.83 0.54 1.45
11 2,500.00 3,000.00 1,727 72,171 2.08 86.86 6,627.67 60,058.63 1.52 13.81 2 18 4.35 39.13 331.24 1,106.47 0.78 2.61 5.00 1.84
12 3,000.00 4,000.00 2,145 74,316 2.58 89.44 10,709.41 70,768.04 2.46 16.27 3 21 6.52 45.65 139.58 1,246.05 0.33 2.94 1.30 1.76
13 4,000.00 5,000.00 1,505 75,821 1.81 91.25 9,638.73 80,406.77 2.22 18.49 1 22 2.17 47.83 85.83 1,331.89 0.20 3.14 0.89 1.66
14 5,000.00 7,500.00 1,951 77,772 2.35 93.60 16,207.64 96,614.41 3.73 22.22 1 23 2.17 50.00 3.72 1,335.61 0.01 3.15 0.02 1.38
15 7,500.00 10,000.00 1,152 78,924 1.39 94.99 13,744.78 110,359.19 3.16 25.38 2 25 4.35 54.35 12.69 1,348.30 0.03 3.18 0.09 1.22
16 10,000.00 20,000.00 1,811 80,735 2.18 97.17 35,219.21 145,578.39 8.10 33.48 1 26 2.17 56.52 76.77 1,425.07 0.18 3.36 0.22 0.98
17 20,000.00 50,000.00 1,399 82,134 1.68 98.85 58,023.61 203,602.01 13.34 46.82 3 29 6.52 63.04 87.63 1,512.70 0.21 3.57 0.15 0.74
18 50,000.00 100,000.0 520 82,654 0.63 99.48 49,898.26 253,500.27 11.47 58.29 6 35 13.04 76.09 236.79 1,749.49 0.56 4.13 0.47 0.69
0
19 100,000.00 500,000.0 387 83,041 0.47 99.94 108,974.39 362,474.66 25.06 83.35 4 39 8.70 84.78 3,680.92 5,430.41 8.69 12.82 3.38 1.50
0
20 500,000.00 UP 49 83,090 0.06 100.00 72,398.64 434,873.30 16.65 100.00 7 46 15.22 100.00 36,935.27 42,365.68 87.18 100.00 51.02 9.74
52
RISK & LOSS PROFILE

As At 31/12/2013


B A ND

∑(d) (d)/ ∑(d) ∑(f ) ∑(h) (i)/ ∑(i) ∑(j) ∑(l) (m)/ ∑(m) ∑(n) ∑(p) (q)/ ∑( ∑(r) (p)/ (h) q/ i
q)
1 0.00 50.00 597 597 4.31 4.31 19.04 19.04 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 387 984 2.79 7.10 43.14 62.17 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 486 1,470 3.50 10.60 113.23 175.41 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 376 1,846 2.71 13.31 144.12 319.53 0.01 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 795 2,641 5.73 19.05 480.36 799.90 0.04 0.06 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 594 3,235 4.28 23.33 522.29 1,322.18 0.04 0.10 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 685 3,920 4.94 28.27 894.44 2,216.62 0.07 0.17 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 806 4,726 5.81 34.08 1,426.98 3,643.60 0.11 0.28 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 679 5,405 4.90 38.98 1,743.65 5,387.25 0.13 0.42 1 1 100.00 100.00 760.22 760.22 100.00 100.00 43.60 14.11
10 2,000.00 2,500.00 475 5,880 3.43 42.40 1,499.99 6,887.24 0.12 0.53 0 1 0.00 100.00 0.00 760.22 0.00 100.00 0.00 11.04
11 2,500.00 3,000.00 454 6,334 3.27 45.68 1,801.93 8,689.17 0.14 0.67 0 1 0.00 100.00 0.00 760.22 0.00 100.00 0.00 8.75
12 3,000.00 4,000.00 584 6,918 4.21 49.89 2,890.30 11,579.47 0.22 0.89 0 1 0.00 100.00 0.00 760.22 0.00 100.00 0.00 6.57
13 4,000.00 5,000.00 520 7,438 3.75 53.64 3,341.18 14,920.65 0.26 1.15 0 1 0.00 100.00 0.00 760.22 0.00 100.00 0.00 5.10
14 5,000.00 7,500.00 853 8,291 6.15 59.79 7,233.09 22,153.73 0.56 1.71 0 1 0.00 100.00 0.00 760.22 0.00 100.00 0.00 3.43
15 7,500.00 10,000.00 698 8,989 5.03 64.82 8,493.09 30,646.82 0.65 2.36 0 1 0.00 100.00 0.00 760.22 0.00 100.00 0.00 2.48
16 10,000.00 20,000.00 1,304 10,293 9.40 74.23 25,526.86 56,173.69 1.97 4.33 0 1 0.00 100.00 0.00 760.22 0.00 100.00 0.00 1.35
17 20,000.00 50,000.00 1,428 11,721 10.30 84.52 62,286.97 118,460.65 4.80 9.13 0 1 0.00 100.00 0.00 760.22 0.00 100.00 0.00 0.64
18 50,000.00 100,000.0 813 12,534 5.86 90.39 73,768.29 192,228.94 5.68 14.81 0 1 0.00 100.00 0.00 760.22 0.00 100.00 0.00 0.40
0
19 100,000.00 500,000.0 1,007 13,541 7.26 97.65 258,499.05 450,727.99 19.91 34.72 0 1 0.00 100.00 0.00 760.22 0.00 100.00 0.00 0.17
0
20 500,000.00 UP 326 13,867 2.35 100.00 847,394.03 1,298,122.02 65.28 100.00 0 1 0.00 100.00 0.00 760.22 0.00 100.00 0.00 0.06
53
RISK & LOSS PROFILE

As At 31/12/2013


B A ND

1 0.00 50.00 5,890 5,890 8.77 8.77 239.55 239.55 0.07 0.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 7,681 13,571 11.44 20.21 890.89 1,130.45 0.25 0.31 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 10,617 24,188 15.81 36.01 2,264.23 3,394.68 0.62 0.93 1 1 10.00 10.00 13.72 13.72 3.50 3.50 0.61 0.40
4 200.00 300.00 6,837 31,025 10.18 46.19 2,405.67 5,800.35 0.66 1.60 0 1 0.00 10.00 0.00 13.72 0.00 3.50 0.00 0.24
5 300.00 500.00 8,885 39,910 13.23 59.42 4,939.53 10,739.88 1.36 2.96 4 5 40.00 50.00 77.26 90.98 19.72 23.22 1.56 0.85
6 500.00 750.00 8,298 48,208 12.35 71.77 7,417.26 18,157.14 2.04 5.00 2 7 20.00 70.00 93.13 184.11 23.77 46.99 1.26 1.01
7 750.00 1,000.00 5,160 53,368 7.68 79.46 6,173.21 24,330.35 1.70 6.70 1 8 10.00 80.00 35.01 219.12 8.94 55.93 0.57 0.90
8 1,000.00 1,500.00 3,928 57,296 5.85 85.31 6,722.01 31,052.36 1.85 8.55 0 8 0.00 80.00 0.00 219.12 0.00 55.93 0.00 0.71
9 1,500.00 2,000.00 2,238 59,534 3.33 88.64 5,377.39 36,429.75 1.48 10.03 0 8 0.00 80.00 0.00 219.12 0.00 55.93 0.00 0.60
10 2,000.00 2,500.00 1,348 60,882 2.01 90.64 4,123.45 40,553.19 1.14 11.17 1 9 10.00 90.00 41.94 261.06 10.71 66.63 1.02 0.64
11 2,500.00 3,000.00 1,066 61,948 1.59 92.23 3,942.02 44,495.22 1.09 12.25 0 9 0.00 90.00 0.00 261.06 0.00 66.63 0.00 0.59
12 3,000.00 4,000.00 1,244 63,192 1.85 94.08 5,969.82 50,465.04 1.64 13.90 0 9 0.00 90.00 0.00 261.06 0.00 66.63 0.00 0.52
13 4,000.00 5,000.00 762 63,954 1.13 95.22 4,787.17 55,252.21 1.32 15.21 1 10 10.00 100.00 130.73 391.79 33.37 100.00 2.73 0.71
14 5,000.00 7,500.00 941 64,895 1.40 96.62 8,314.46 63,566.67 2.29 17.50 0 10 0.00 100.00 0.00 391.79 0.00 100.00 0.00 0.62
15 7,500.00 10,000.00 567 65,462 0.84 97.46 7,490.61 71,057.28 2.06 19.57 0 10 0.00 100.00 0.00 391.79 0.00 100.00 0.00 0.55
16 10,000.00 20,000.00 743 66,205 1.11 98.57 16,386.83 87,444.10 4.51 24.08 0 10 0.00 100.00 0.00 391.79 0.00 100.00 0.00 0.45
17 20,000.00 50,000.00 462 66,667 0.69 99.26 20,253.98 107,698.08 5.58 29.66 0 10 0.00 100.00 0.00 391.79 0.00 100.00 0.00 0.36
18 50,000.00 100,000.0 197 66,864 0.29 99.55 20,830.21 128,528.29 5.74 35.39 0 10 0.00 100.00 0.00 391.79 0.00 100.00 0.00 0.30
0
19 100,000.00 500,000.0 249 67,113 0.37 99.92 74,369.35 202,897.64 20.48 55.87 0 10 0.00 100.00 0.00 391.79 0.00 100.00 0.00 0.19
0
20 500,000.00 UP 53 67,166 0.08 100.00 160,267.17 363,164.81 44.13 100.00 0 10 0.00 100.00 0.00 391.79 0.00 100.00 0.00 0.11
54
RISK & LOSS PROFILE

As At 31/12/2013


B A ND
1 0.00 50.00 4 4 1.59 1.59 0.15 0.15 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 5 9 1.98 3.57 0.51 0.66 0.00 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 14 23 5.56 9.13 2.04 2.70 0.02 0.02 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 9 32 3.57 12.70 2.67 5.37 0.02 0.04 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 7 39 2.78 15.48 3.53 8.91 0.03 0.07 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 7 46 2.78 18.25 5.14 14.05 0.04 0.11 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 8 54 3.17 21.43 8.81 22.86 0.07 0.17 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 10 64 3.97 25.40 14.92 37.78 0.11 0.29 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 10 74 3.97 29.37 16.49 54.27 0.13 0.41 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 8 82 3.17 32.54 25.60 79.87 0.20 0.61 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 4 86 1.59 34.13 13.96 93.84 0.11 0.72 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 8 94 3.17 37.30 33.68 127.51 0.26 0.97 2 2 7.41 7.41 55.98 55.98 0.40 0.40 166.22 43.90
13 4,000.00 5,000.00 12 106 4.76 42.06 70.38 197.89 0.54 1.51 0 2 0.00 7.41 0.00 55.98 0.00 0.40 0.00 28.29
14 5,000.00 7,500.00 23 129 9.13 51.19 172.74 370.64 1.32 2.83 2 4 7.41 14.81 116.81 172.79 0.83 1.22 67.62 46.62
15 7,500.00 10,000.00 13 142 5.16 56.35 150.62 521.26 1.15 3.98 10 14 37.04 51.85 2,659.25 2,832.03 18.83 20.05 1,765.53 543.31
16 10,000.00 20,000.00 24 166 9.52 65.87 364.90 886.15 2.79 6.77 10 24 37.04 88.89 9,949.30 12,781.33 70.45 90.51 2,726.62 1,442.34
17 20,000.00 50,000.00 36 202 14.29 80.16 1,305.99 2,192.14 9.97 16.74 2 26 7.41 96.30 913.11 13,694.45 6.47 96.97 69.92 624.71
18 50,000.00 100,000.0 21 223 8.33 88.49 1,650.79 3,842.93 12.61 29.34 1 27 3.70 100.00 427.45 14,121.90 3.03 100.00 25.89 367.48
0
19 100,000.00 500,000.0 26 249 10.32 98.81 6,795.16 10,638.10 51.89 81.23 0 27 0.00 100.00 0.00 14,121.90 0.00 100.00 0.00 132.75
0
20 500,000.00 UP 3 252 1.19 100.00 2,457.69 13,095.78 18.77 100.00 0 27 0.00 100.00 0.00 14,121.90 0.00 100.00 0.00 107.84
55
RISK & LOSS PROFILE

As At 31/12/2013


B A ND
1 0.00 50.00 12,406 12,406 16.67 16.67 426.15 426.15 0.10 0.10 68 68 6.96 6.96 12,784.90 12,784.90 1.41 1.41 3,000.10 3,000.10
2 50.00 100.00 6,043 18,449 8.12 24.80 676.81 1,102.96 0.17 0.27 54 122 5.53 12.49 2,227.94 15,012.84 0.25 1.66 329.18 1,361.14
3 100.00 200.00 7,526 25,975 10.11 34.91 1,561.88 2,664.85 0.38 0.65 65 187 6.65 19.14 3,217.94 18,230.77 0.36 2.02 206.03 684.12
4 200.00 300.00 4,567 30,542 6.14 41.05 1,511.06 4,175.91 0.37 1.02 70 257 7.16 26.31 5,102.09 23,332.86 0.56 2.58 337.65 558.75
5 300.00 500.00 7,645 38,187 10.27 51.32 4,066.29 8,242.20 1.00 2.02 145 402 14.84 41.15 22,521.47 45,854.33 2.49 5.07 553.86 556.34
6 500.00 750.00 7,752 45,939 10.42 61.74 6,492.90 14,735.10 1.59 3.61 107 509 10.95 52.10 23,868.94 69,723.28 2.64 7.71 367.62 473.18
7 750.00 1,000.00 7,627 53,566 10.25 71.99 8,664.03 23,399.13 2.12 5.74 96 605 9.83 61.92 13,641.74 83,365.02 1.51 9.21 157.45 356.27
8 1,000.00 1,500.00 5,075 58,641 6.82 78.81 7,930.09 31,329.22 1.94 7.68 56 661 5.73 67.66 10,108.04 93,473.06 1.12 10.33 127.46 298.36
9 1,500.00 2,000.00 3,060 61,701 4.11 82.92 6,756.15 38,085.37 1.66 9.34 45 706 4.61 72.26 19,284.91 112,757.97 2.13 12.46 285.44 296.07
10 2,000.00 2,500.00 1,679 63,380 2.26 85.18 4,618.79 42,704.16 1.13 10.47 26 732 2.66 74.92 16,710.99 129,468.96 1.85 14.31 361.80 303.18
11 2,500.00 3,000.00 1,395 64,775 1.87 87.06 4,639.40 47,343.56 1.14 11.61 18 750 1.84 76.77 5,351.17 134,820.13 0.59 14.90 115.34 284.77
12 3,000.00 4,000.00 1,724 66,499 2.32 89.37 7,292.94 54,636.50 1.79 13.39 28 778 2.87 79.63 14,818.75 149,638.88 1.64 16.54 203.19 273.88
13 4,000.00 5,000.00 1,235 67,734 1.66 91.03 6,808.51 61,445.02 1.67 15.06 17 795 1.74 81.37 8,837.89 158,476.76 0.98 17.52 129.81 257.92
14 5,000.00 7,500.00 1,641 69,375 2.21 93.24 12,396.67 73,841.69 3.04 18.10 33 828 3.38 84.75 12,971.55 171,448.31 1.43 18.95 104.64 232.18
15 7,500.00 10,000.00 1,021 70,396 1.37 94.61 10,500.87 84,342.56 2.57 20.68 24 852 2.46 87.21 32,243.18 203,691.49 3.56 22.51 307.05 241.50
16 10,000.00 20,000.00 1,647 72,043 2.21 96.82 29,239.20 113,581.76 7.17 27.84 36 888 3.68 90.89 112,373.31 316,064.80 12.42 34.94 384.32 278.27
17 20,000.00 50,000.00 1,357 73,400 1.82 98.65 48,738.60 162,320.35 11.95 39.79 30 918 3.07 93.96 113,978.25 430,043.05 12.60 47.53 233.86 264.93
18 50,000.00 100,000.0 531 73,931 0.71 99.36 38,269.58 200,589.93 9.38 49.17 14 932 1.43 95.39 10,125.74 440,168.80 1.12 48.65 26.46 219.44
0
19 100,000.00 500,000.0 410 74,341 0.55 99.91 100,950.94 301,540.87 24.75 73.92 30 962 3.07 98.46 133,805.26 573,974.06 14.79 63.44 132.54 190.35
0
20 500,000.00 UP 65 74,406 0.09 100.00 106,397.59 407,938.46 26.08 100.00 15 977 1.54 100.00 330,744.45 904,718.51 36.56 100.00 310.86 221.78
56
RISK & LOSS PROFILE

As At 31/12/2013


B A ND

1 0.00 50.00 495 495 3.83 3.83 11.73 11.73 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 319 814 2.47 6.29 26.42 38.15 0.00 0.00 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 475 1,289 3.67 9.97 75.44 113.59 0.01 0.01 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 382 1,671 2.95 12.92 117.75 231.34 0.01 0.02 1 1 4.35 4.35 28.24 28.24 0.64 0.64 23.98 12.21
5 300.00 500.00 671 2,342 5.19 18.11 332.10 563.44 0.03 0.05 2 3 8.70 13.04 73.63 101.87 1.66 2.30 22.17 18.08
6 500.00 750.00 596 2,938 4.61 22.72 457.40 1,020.84 0.04 0.09 0 3 0.00 13.04 0.00 101.87 0.00 2.30 0.00 9.98
7 750.00 1,000.00 582 3,520 4.50 27.22 649.26 1,670.11 0.06 0.15 0 3 0.00 13.04 0.00 101.87 0.00 2.30 0.00 6.10
8 1,000.00 1,500.00 763 4,283 5.90 33.11 1,127.56 2,797.66 0.10 0.25 1 4 4.35 17.39 1,538.40 1,640.27 34.78 37.08 136.44 58.63
9 1,500.00 2,000.00 635 4,918 4.91 38.02 1,270.26 4,067.92 0.11 0.36 2 6 8.70 26.09 162.99 1,803.26 3.68 40.76 12.83 44.33
10 2,000.00 2,500.00 423 5,341 3.27 41.29 1,079.40 5,147.31 0.10 0.46 0 6 0.00 26.09 0.00 1,803.26 0.00 40.76 0.00 35.03
11 2,500.00 3,000.00 439 5,780 3.39 44.69 1,405.69 6,553.00 0.13 0.58 2 8 8.70 34.78 497.39 2,300.65 11.24 52.01 35.38 35.11
12 3,000.00 4,000.00 584 6,364 4.52 49.20 2,289.09 8,842.10 0.20 0.79 1 9 4.35 39.13 83.03 2,383.68 1.88 53.88 3.63 26.96
13 4,000.00 5,000.00 436 6,800 3.37 52.57 2,239.20 11,081.30 0.20 0.99 1 10 4.35 43.48 13.78 2,397.46 0.31 54.20 0.62 21.64
14 5,000.00 7,500.00 794 7,594 6.14 58.71 5,508.84 16,590.14 0.49 1.48 0 10 0.00 43.48 0.00 2,397.46 0.00 54.20 0.00 14.45
15 7,500.00 10,000.00 653 8,247 5.05 63.76 6,799.15 23,389.29 0.60 2.08 4 14 17.39 60.87 553.46 2,950.92 12.51 66.71 8.14 12.62
16 10,000.00 20,000.00 1,274 9,521 9.85 73.61 20,808.84 44,198.13 1.85 3.93 4 18 17.39 78.26 1,255.93 4,206.84 28.39 95.10 6.04 9.52
17 20,000.00 50,000.00 1,428 10,949 11.04 84.65 49,994.42 94,192.55 4.45 8.38 1 19 4.35 82.61 67.08 4,273.92 1.52 96.61 0.13 4.54
18 50,000.00 100,000.0 769 11,718 5.95 90.60 57,036.43 151,228.97 5.07 13.45 0 19 0.00 82.61 0.00 4,273.92 0.00 96.61 0.00 2.83
0
19 100,000.00 500,000.0 916 12,634 7.08 97.68 205,444.80 356,673.78 18.27 31.73 3 22 13.04 95.65 27.91 4,301.83 0.63 97.24 0.01 1.21
0
20 500,000.00 UP 300 12,934 2.32 100.00 767,520.32 1,124,194.09 68.27 100.00 1 23 4.35 100.00 121.89 4,423.72 2.76 100.00 0.02 0.39
57
RISK & LOSS PROFILE

As At 31/12/2013


B A ND
1 0.00 50.00 4,935 4,935 11.54 11.54 153.97 153.97 0.07 0.07 16 16 1.92 1.92 181.80 181.80 0.27 0.27 118.08 118.08
2 50.00 100.00 3,119 8,054 7.30 18.84 301.95 455.92 0.13 0.19 86 102 10.30 12.22 1,438.33 1,620.14 2.14 2.41 476.35 355.36
3 100.00 200.00 5,786 13,840 13.53 32.37 1,096.33 1,552.25 0.46 0.66 233 335 27.90 40.12 5,578.68 7,198.81 8.30 10.72 508.85 463.77
4 200.00 300.00 4,801 18,641 11.23 43.60 1,486.64 3,038.88 0.63 1.29 155 490 18.56 58.68 7,616.37 14,815.18 11.34 22.05 512.32 487.52
5 300.00 500.00 6,235 24,876 14.58 58.18 3,063.66 6,102.54 1.30 2.59 172 662 20.60 79.28 15,983.12 30,798.30 23.79 45.85 521.70 504.68
6 500.00 750.00 4,088 28,964 9.56 67.74 3,088.57 9,191.11 1.31 3.90 62 724 7.43 86.71 8,479.29 39,277.58 12.62 58.47 274.54 427.34
7 750.00 1,000.00 3,262 32,226 7.63 75.37 3,528.14 12,719.25 1.50 5.39 49 773 5.87 92.57 6,659.97 45,937.55 9.91 68.38 188.77 361.17
8 1,000.00 1,500.00 2,991 35,217 7.00 82.37 4,486.56 17,205.81 1.90 7.29 26 799 3.11 95.69 7,901.48 53,839.03 11.76 80.15 176.11 312.91
9 1,500.00 2,000.00 1,697 36,914 3.97 86.34 3,583.86 20,789.67 1.52 8.81 14 813 1.68 97.37 3,198.35 57,037.38 4.76 84.91 89.24 274.35
10 2,000.00 2,500.00 976 37,890 2.28 88.62 2,626.06 23,415.73 1.11 9.92 6 819 0.72 98.08 4,409.07 61,446.45 6.56 91.47 167.90 262.42
11 2,500.00 3,000.00 773 38,663 1.81 90.43 2,565.44 25,981.17 1.09 11.01 5 824 0.60 98.68 2,082.13 63,528.59 3.10 94.57 81.16 244.52
12 3,000.00 4,000.00 887 39,550 2.07 92.50 3,797.28 29,778.45 1.61 12.62 4 828 0.48 99.16 1,400.23 64,928.82 2.08 96.65 36.87 218.04
13 4,000.00 5,000.00 603 40,153 1.41 93.91 3,321.91 33,100.36 1.41 14.03 2 830 0.24 99.40 821.12 65,749.95 1.22 97.88 24.72 198.64
14 5,000.00 7,500.00 721 40,874 1.69 95.60 5,874.40 38,974.76 2.49 16.52 1 831 0.12 99.52 10.00 65,759.95 0.01 97.89 0.17 168.72
15 7,500.00 10,000.00 446 41,320 1.04 96.64 5,156.63 44,131.39 2.19 18.70 1 832 0.12 99.64 23.47 65,783.41 0.03 97.93 0.46 149.06
16 10,000.00 20,000.00 592 41,912 1.38 98.03 11,656.42 55,787.81 4.94 23.64 1 833 0.12 99.76 1,382.49 67,165.91 2.06 99.99 11.86 120.40
17 20,000.00 50,000.00 413 42,325 0.97 98.99 15,513.64 71,301.45 6.57 30.22 0 833 0.00 99.76 0.00 67,165.91 0.00 99.99 0.00 94.20
18 50,000.00 100,000.0 172 42,497 0.40 99.40 16,240.74 87,542.18 6.88 37.10 1 834 0.12 99.88 2.70 67,168.60 0.00 99.99 0.02 76.73
0
19 100,000.00 500,000.0 222 42,719 0.52 99.92 64,264.17 151,806.35 27.24 64.34 1 835 0.12 100.00 7.34 67,175.94 0.01 100.00 0.01 44.25
0
20 500,000.00 UP 36 42,755 0.08 100.00 84,148.96 235,955.31 35.66 100.00 0 835 0.00 100.00 0.00 67,175.94 0.00 100.00 0.00 28.47
58
Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2013, per 31 Desember 2013
Indonesian Earthquake Distribution by Province, Underwriting Year 2013, as at 31 December 2013
59
Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2013
Indonesian Earthquake Distribution M > 5 and Claim Incurred 2013
60
Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2013, per 31 Desember 2013
Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2013
Indonesian Earthquake Distribution by Province, Underwriting Year 2013, as at 31 December 2013, Indonesian Earthquake Distribution M > 5 and Claim Incurred 2013
61
Damage Ratio
Gempa Tasikmalaya terjadi pada tanggal 2 The Tasikmalaya earthquake of September
September 2009 bermagnitudo 7.0 Mw dengan 2nd, 2009 with magnitude of 7.0 Mw occurred
pusat kedalaman di 46 km. Episenter gempa at the depth of about 46 kilometers. The
tersebut berlokasi 60 km dari tepi pantai epicenter of this earthquake was 60 kilometers
selatan. Seusai gempa utama, tercatat away from the southern coast. After the major
beberapa gempa susulan dengan kekuatan earthquake, there were several aftershocks
yang lebih rendah. with lower magnitude.
Gempa tersebut dipicu oleh kondisi The earthquake was triggered by condition
Tektonik Jawa yang didominasi oleh zona of “Java Tectonic” that dominated by the
penunjaman lempeng Indo-Australia utara- subduction of the Indo-Australian plate north-
barat laut di bawah lempeng Eurasia. northeastward beneath the Eurasian plate.
Gempa yang melanda Kota Tasikmalaya The earthquake which attacked
tidak menyebabkan tsunami meskipun gempa Tasikmalaya did not cause a tsunami though
berpusat di laut, karena energi yang the epicenter of the earthquake was centered in
dikeluarkan tidak cukup kuat untuk memicu the ocean, because the energy which came out
terjadinya gelombang tsunami. was not strong enough to trigger tsunami wave.
Gerakan tanah pada umumnya diwakili The ground shaking were usually
oleh parameter MMI (Modified Mercally represented by MMI (Modified Mercally
Intensity). Guncangan gempa dirasakan hampir Intensity). Earthquake shocks was felt in almost
di seluruh kota di Pulau Jawa. Di selatan all of the cities in Java Island. In the south of
Tasikmalaya kekuatan gempa mencapai sekitar Tasikmalaya the earthquake magnitude
VI-V MMI, sedangkan di Bogor dan Cilacap reaches about VI – V MMI; while Bogor and
sekitar III-IV MMI. Cilacap about III - IV MMI.
Berdasarkan data klaim dari gempa bumi Based on claims data of Tasikmalaya
Tasikmalaya, pada zona dengan MMI VI, earthquake, at zone with MMI VI, the following
menghasilkan sebagai berikut: results:
 Probabilitas loss ratio 20% adalah  the probability of loss ratio of 20 % is
sebesar 0,5% dari jumlah risiko, equal to 0.5 % from number of risk,
 Probabilitas loss ratio 80% adalah  the probability of loss ratio of 80 % is
sebesar 0.06%. equal to 0.06 %.
62
Berdasarkan hasil analisa loss ratio tersebut, Based on the analysis of the loss ratio, it shows
menunjukan klaim kerugian bangunan yang that the claims/losses amount toward the
diasuransikan masih cukup rendah. building insured were still low.
Grafik Damage Ratio

Damage Ratio Graph
MMI
Loss
III IV V VI
Ratio
0.00 99.91790% 99.83700% 99.04580% 95.46020%
0.50% 0.06568% 0.10048% 0.69305% 2.17662%
5% 0.01642% 0.04242% 0.01004% 1.74129%
20% 0.00000% 0.01786% 0.20088% 0.49751%
45% 0.00000% 0.00000% 0.03013% 0.06219%
80% 0.00000% 0.00000% 0.02009% 0.06219%
100% 0.00000% 0.00223% 0.00000% 0.00000%
MDF 0.00115% 0.00843% 0.07377% 0.27519%
Tabel Mean Damage Factor
63
Lampiran 1 / Attachment 1
GLOSSARIES
1. OCCUPATION :
A - AGRICULTURAL
C - COMMERCIAL
I - INDUSTRIAL
R - RESIDENTIAL
2. ZONES (BASED ON CRESTA-Catastrophe Risk Evaluating and Standardizing Target

Accumulations) :
1.1 - Banda Aceh
1.2 - Medan
1.3 - Others
1 - North Sumatera
2.1 - Padang
2.2 - Palembang
2.3 - Others
2 - South Sumatera
3.1 - DKI Jakarta
3.2 - Bandung
3.3 - Others
3 - DKI & West java
64
4.1 - Semarang
4.2 - Yogyakarta
4.3 - Others
4 - DIY & Central Java
5.1 - Surabaya
5.2 - Others
5 - East Java
6 - Kalimantan
7.1 - Ujung Pandang
7.2 - Others
7 - Sulawesi
8 - Other Islands
3. f : Frequencies
F : Accumulations of frequencies
Cum : Cumulative (increasing in amount by one addition after another)
4. Incurred Claim
Outstanding Claims (100%) plus paid/settled claims (100%)
5. Sum Insured
The Sum Insured represents 100% Sum Insured
6. Gross Premium
Gross Premium represent 100% premium
65
7. Loss Ratio
The percentage ratio of Incurred claims to Gross Premium
66
TARIF ASURANSI GEMPA BUMI TAHUN 2010
Tariff in ‰ (mil)
DEFINISI
COMMERCIAL AND INDUSTRIAL : Obyek selain okupasi dwelling house (kode okupasi
selain 2976)
 Steel Frame : struktur bangunan yang menggunakan Baja sebagai

rangkanya
 Wood : struktur bangunan yang menggunakan kayu sebagai
rangkanya
 Reinforced Concrete : struktur bangunan yang menggunakan beton bertulang
sebagai rangkanya
 Others (Incl. No Frame) : struktur bangunan selain konstruksi baja, beton
bertulang atau rangka kayu; termasuk bangunan yang
terbuat dari susunan batu tanpa rangka
DWELLING HOUSE : Obyek dengan kode okupasi 2976
 Steel, Wood or RC Frame : struktur bangunan rumah tinggal dengan konstruksi baja,
beton bertulang atau rangka kayu
 Others : struktur bangunan rumah tinggal selain konstruksi baja,
beton bertulang atau rangka kayu termasuk bangunan
rumah tinggal yang terbuat dari susunan batu tanpa
rangka.
Catatan : Basement diperhitungkan dalam menentukan jumlah lantai bangunan bertingkat
67
68
TARIP SUKU PREMI KURANG

DARI 12 BULAN
JANGKA WAKTU PROSENTASI
TARIP TAHUNAN
3 hari 5%
10 hari 10%
1 bulan 20%
1.5 bulan 25%
2 bulan 30%
3 bulan 40%
4 bulan 50%
5 bulan 60%
6 bulan 70%
7 bulan 75%
8 bulan 80%
9 bulan 85%
10 bulan 90%
11 bulan 95%
lebih dari 11 bulan dihitung tarip suku premi penuh
69
70
CRESTA ZONE dan Zona
Provinsi Kota/ Kabupaten Cresta Zona
Nanggroe Aceh Darussalam KAB. SIMEULUE 1.3 5
KAB. ACEH SINGKIL 1.3 5
KAB. ACEH SELATAN 1.3 5
KAB. ACEH TENGGARA 1.3 5
KAB. ACEH TIMUR 1.3 4
KAB. ACEH TENGAH 1.3 4
KAB. ACEH BARAT 1.3 5
KAB. ACEH BESAR 1.3 5
KAB. PIDIE 1.3 5
KAB. BIREUEN 1.3 4
KAB. ACEH UTARA 1.3 3
KAB. ACEH BARAT DAYA 1.3 5
KAB. GAYO LUES 1.3 5
KAB. ACEH TAMIANG 1.3 4
KAB. NAGANRAYA 1.3 5
KAB. ACEH JAYA 1.3 5
KAB. BENER MERIAH 1.3 4
KAB. PIDIE JAYA 1.3 5
KOTA BANDA ACEH 1.1 5
KOTA SABANG 1.3 5
KOTA LANGSA 1.3 4
KOTA LHOKSEUMAWE 1.3 3
KOTA SUBULUSSALAM 1.3 5
Sumatra Utara KAB. NIAS 1.3 5
KAB. MANDAILING NATAL 1.3 4
KAB. TAPANULI SELATAN 1.3 4
KAB. TAPANULI TENGAH 1.3 5
KAB. TAPANULI UTARA 1.3 5
KAB. TOBA SAMOSIR 1.3 4
KAB. LABUHAN BATU 1.3 3
KAB. ASAHAN 1.3 3
KAB. SIMALUNGUN 1.3 4
KAB. DAIRI 1.3 4
KAB. KARO 1.3 4
KAB. DELI SERDANG 1.3 3
KAB. LANGKAT 1.3 3
KAB. NIAS SELATAN 1.3 5
KAB. HUMBANG HASUNDUTAN 1.3 5
KAB. PAKPAK BHARAT 1.3 4
KAB. SAMOSIR 1.3 4
KAB. SERDANG BEDAGAI 1.3 3
KAB. PADANG LAWAS 1.3 4
KAB. BATUBARA 1.3 3
KAB. ANGKOLA SIPIROK 1.3 4
KOTA SIBOLGA 1.3 5
KOTA TANJUNG BALAI 1.3 3
KOTA PEMATANG SIANTAR 1.3 4
KOTA TEBING TINGGI 1.3 3
KOTA MEDAN 1.2 3
KOTA BINJAI 1.3 3
KOTA PADANG SIDEMPUAN 1.3 4
71
Sumatra Barat KAB. KEPULAUAN MENTAWAI 2.3 5
KAB. PESISIR SELATAN 2.3 5
KAB. SOLOK 2.3 5
KAB. SAWAHLUNTO SIJUNJUNG 2.3 4
KAB. TANAH DATAR 2.3 4
KAB. PADANG PARIAMAN 2.3 5
KAB. AGAM 2.3 5
KAB. LIMA PULUH KOTA 2.3 4
KAB. PASAMAN 2.3 3
KAB. SOLOK SELATAN 2.3 5
KAB. DHARMASRAYA 2.3 3
KAB. PASAMAN BARAT 2.3 4
KOTA PADANG 2.1 5
KOTA SOLOK 2.3 5
KOTA SAWAHLUNTO 2.3 4
KOTA PADANGPANJANG 2.3 5
KOTA BUKITTINGGI 2.3 5
KOTA PAYAKUMBUH 2.3 4
KOTA PARIAMAN 2.3 5
Riau KAB. KUANTAN SINGINGI 2.3 3
KAB. INDRAGIRI HULU 2.3 2
KAB. INDRAGIRI HILIR 2.3 2
KAB. PELALAWAN 2.3 2
KAB. SIAK 2.3 2
KAB. KAMPAR 2.3 3
KAB. ROKAN HULU 2.3 3
KAB. BENGKALIS 2.3 2
KAB. ROKAN HILIR 2.3 2
KOTA PEKANBARU 2.3 3
KOTA DUMAI 2.3 2
Jambi KAB. KERINCI 2.3 5
KAB. MERANGIN 2.3 4
KAB. SAROLANGUN 2.3 3
KAB. BATANGHARI 2.3 2
KAB. MUARO JAMBI 2.3 2
KAB. TANJUNG JABUNG TIMUR 2.3 2
KAB. TANJUNG JABUNG BARAT 2.3 2
KAB. TEBO 2.3 3
KAB. BUNGO 2.3 3
KOTA JAMBI 2.3 2
Sumatra Selatan KAB. OGAN KOMERING ULU 2.3 3
KAB. OGAN KOMERING ILIR 2.3 2
KAB. MUARAENIM 2.3 3
KAB. LAHAT 2.3 3
KAB. MUSI RAWAS 2.3 4
KAB. MUSI BANYUASIN 2.3 3
KAB. BANYUASIN 2.3 3
KAB. OGAN KOMERING ULU SE 2.3 4
KAB. OGAN KOMERING ULU TI 2.3 3
KAB. OGAN ILIR 2.3 2
KAB. EMPAT LAWANG 2.3 4
KOTA PALEMBANG 2.2 2
KOTA PRABUMULIH 2.3 3
KOTA PAGARALAM 2.3 4
KOTA LUBUKLINGGAU 2.3 4
72
Bengkulu KAB. BENGKULU SELATAN 2.3 5
KAB. REJANG LEBONG 2.3 5
KAB. BENGKULU UTARA 2.3 5
KAB. KAUR 2.3 5
KAB. SELUMA 2.3 5
KAB. MUKOMUKO 2.3 5
KAB. LEBONG 2.3 5
KAB. KEPAHIANG 2.3 5
KOTA BENGKULU 2.3 5
Lampung KAB. LAMPUNG BARAT 2.3 5
KAB. TANGGAMUS 2.3 5
KAB. LAMPUNG SELATAN 2.3 4
KAB. LAMPUNG TIMUR 2.3 3
KAB. LAMPUNG TENGAH 2.3 3
KAB. LAMPUNG UTARA 2.3 3
KAB. WAY KANAN 2.3 3
KAB. TULANG BAWANG 2.3 3
KAB. PESAWARAN 2.3 4
KOTA BANDAR LAMPUNG 2.3 4
KOTA METRO 2.3 3
Kepulauan Bangka Belitung KAB. BANGKA 2.3 1
KAB. BELITUNG 2.3 1
KAB. BANGKA BARAT 2.3 1
KAB. BANGKA TENGAH 2.3 1
KAB. BANGKA SELATAN 2.3 2
KAB. BELITUNG TIMUR 2.3 1
KOTA PANGKAL PINANG 2.3 1
Kepulauan Riau KAB. KARIMUN 2.3 1
KAB. BINTAN 2.3 1
KAB. NATUNA 2.3 1
KAB. LINGGA 2.3 1
KOTA BATAM 2.3 1
KOTA TANJUNG PINANG 2.3 1
Banten KAB. PANDEGLANG 3.3 5
KAB. LEBAK 3.3 4
KAB. TANGERANG 3.3 4
KAB. SERANG 3.3 4
KOTA TANGERANG 3.3 4
KOTA CILEGON 3.3 4
KOTA SERANG 3.3 4
Daerah Khusus Ibukota Jakarta KAB. KEPULAUAN SERIBU 3.1 3
KOTA JAKARTA SELATAN 3.1 4
KOTA JAKARTA TIMUR 3.1 4
KOTA JAKARTA PUSAT 3.1 4
KOTA JAKARTA BARAT 3.1 4
KOTA JAKARTA UTARA 3.1 4
73
Jawa Barat KAB. BOGOR 3.3 4
KAB. SUKABUMI 3.3 4
KAB. CIANJUR 3.3 4
KAB. BANDUNG 3.3 4
KAB. GARUT 3.3 4
KAB. TASIKMALAYA 3.3 4
KAB. CIAMIS 3.3 4
KAB. KUNINGAN 3.3 4
KAB. CIREBON 3.3 3
KAB. MAJALENGKA 3.3 4
KAB. SUMEDANG 3.3 3
KAB. INDRAMAYU 3.3 3
KAB. SUBANG 3.3 4
KAB. PURWAKARTA 3.3 4
KAB. KARAWANG 3.3 f
KAB. BEKASI 3.3 4
KAB. BANDUNG BARAT 3.3 4
KOTA BOGOR 3.3 4
KOTA SUKABUMI 3.3 4
KOTA BANDUNG 3.2 4
KOTA CIREBON 3.3 3
KOTA BEKASI 3.3 4
KOTA DEPOK 3.3 4
KOTA CIMAHI 3.3 4
KOTA TASIKMALAYA 3.3 4
KOTA BANJAR 3.3 4
Jawa Tengah KAB. CILACAP 4.3 4
KAB. BANYUMAS 4.3 3
KAB. PURBALINGGA 4.3 3
KAB. BANJARNEGARA 4.3 4
KAB. KEBUMEN 4.3 4
KAB. PURWOREJO 4.3 4
KAB. WONOSOBO 4.3 4
KAB. MAGELANG 4.3 4
KAB. BOYOLALI 4.3 3
KAB. KLATEN 4.3 4
KAB. SUKOHARJO 4.3 4
KAB. WONOGIRI 4.3 4
KAB. KARANGANYAR 4.3 3
KAB. SRAGEN 4.3 3
KAB. GROBOGAN 4.3 3
KAB. BLORA 4.3 3
KAB. REMBANG 4.3 3
KAB. PATI 4.3 3
KAB. KUDUS 4.3 3
KAB. JEPARA 4.3 3
KAB. DEMAK 4.3 3
KAB. SEMARANG 4.3 3
KAB. TEMANGGUNG 4.3 3
KAB. KENDAL 4.3 3
KAB. BATANG 4.3 3
74
Jawa Tengah KAB. PEKALONGAN 4.3 3
KAB. PEMALANG 4.3 3
KAB. TEGAL 4.3 4
KAB. BREBES 4.3 3
KOTA MAGELANG 4.3 3
KOTA SURAKARTA 4.3 3
KOTA SALATIGA 4.3 3
KOTA SEMARANG 4.1 3
KOTA PEKALONGAN 4.3 3
KOTA TEGAL 4.3 3
Daerah Istimewa Yogyakarta KAB. KULON PROGO 4.3 4
KAB. BANTUL 4.3 4
KAB. GUNUNG KIDUL 4.3 4
KAB. SLEMAN 4.3 4
KOTA YOGYAKARTA 4.2 4
Jawa Timur KAB. PACITAN 5.2 4
KAB. PONOROGO 5.2 4
KAB. TRENGGALEK 5.2 4
KAB. TULUNGAGUNG 5.2 4
KAB. BLITAR 5.2 4
KAB. KEDIRI 5.2 4
KAB. MALANG 5.2 4
KAB. LUMAJANG 5.2 4
KAB. JEMBER 5.2 3
KAB. BANYUWANGI 5.2 4
KAB. BONDOWOSO 5.2 3
KAB. SITUBONDO 5.2 3
KAB. PROBOLINGGO 5.2 3
KAB. PASURUAN 5.2 3
KAB. SIDOARJO 5.2 3
KAB. MOJOKERTO 5.2 3
KAB. JOMBANG 5.2 3
KAB. NGANJUK 5.2 3
KAB. MADIUN 5.2 3
KAB. MAGETAN 5.2 3
KAB. NGAWI 5.2 3
KAB. BOJONEGORO 5.2 3
KAB. TUBAN 5.2 3
KAB. LAMONGAN 5.2 3
KAB. GRESIK 5.2 3
KAB. BANGKALAN 5.2 3
KAB. SAMPANG 5.2 3
KAB. PAMEKASAN 5.2 3
KAB. SUMENEP 5.2 3
KOTA KEDIRI 5.2 4
KOTA BLITAR 5.2 4
KOTA MALANG 5.2 4
KOTA PROBOLINGGO 5.2 3
KOTA PASURUAN 5.2 3
KOTA MOJOKERTO 5.2 3
KOTA MADIUN 5.2 3
KOTA SURABAYA 5.1 3
KOTA BATU 5.2 4
75
Bali KAB. JEMBRANA 8 4
KAB. TABANAN 8 4
KAB. BADUNG 8 4
KAB. GIANYAR 8 4
KAB. KLUNGKUNG 8 4
KAB. BANGLI 8 4
KAB. KARANGASEM 8 5
KAB. BULELENG 8 4
KOTA DENPASAR 8 4
Nusa Tenggara Barat KAB. LOMBOK BARAT 8 5
KAB. LOMBOK TENGAH 8 4
KAB. LOMBOK TIMUR 8 4
KAB. SUMBAWA 8 4
KAB. DOMPU 8 5
KAB. BIMA 8 4
KAB. SUMBAWA BARAT 8 4
KOTA MATARAM 8 5
KOTA BIMA 8 4
Nusa Tenggara Timur KAB. SUMBA BARAT 8 5
KAB. SUMBA TIMUR 8 4
KAB. KUPANG 8 4
KAB. TIMOR TENGAH SELATAN 8 5
KAB. TIMOR TENGAH UTARA 8 5
KAB. BELU 8 5
KAB. ALOR 8 5
KAB. LEMBATA 8 5
KAB. FLORES TIMUR 8 4
KAB. SIKKA 8 4
KAB. ENDE 8 4
KAB. NGADA 8 4
KAB. MANGGARAI 8 4
KAB. ROTE NDAO 8 4
KAB. MANGGARAI BARAT 8 4
KAB. MANGGARAI TIMUR 8 4
KAB. NAGEKEO 8 5
KAB. SUMBA BARAT DAYA 8 5
KAB. SUMBA TENGAH 8 5
KOTA KUPANG 8 4
Kalimantan Barat KAB. SAMBAS 6 1
KAB. BENGKAYANG 6 1
KAB. LANDAK 6 1
KAB. PONTIANAK 6 1
KAB. SANGGAU 6 1
KAB. KETAPANG 6 1
KAB. SINTANG 6 1
KAB. KAPUAS HULU 6 1
KAB. SEKADAU 6 1
KAB. MELAWI 6 1
KAB. KAYONG UTARA 6 1
KAB. KUBU RAYA 6 1
KOTA PONTIANAK 6 1
KOTA SINGKAWANG 6 1
76
Kalimantan Tengah KAB. KOTAWARINGIN BARAT 6 1
KAB. KOTAWARINGIN TIMUR 6 1
KAB. KAPUAS 6 1
KAB. BARITO SELATAN 6 1
KAB. BARITO UTARA 6 1
KAB. SUKAMARA 6 1
KAB. LAMANDAU 6 1
KAB. SERUYAN 6 1
KAB. KATINGAN 6 1
KAB. PULANG PISAU 6 1
KAB. GUNUNG MAS 6 1
KAB. BARITO TIMUR 6 1
KAB. MURUNG RAYA 6 1
KOTA PALANGKARAYA 6 1
Kalimantan Selatan KAB. TANAH LAUT 6 1
KAB. KOTABARU 6 1
KAB. BANJAR 6 1
KAB. BARITO KUALA 6 1
KAB. TAPIN 6 1
KAB. HULU SUNGAI SELATAN 6 1
KAB. HULU SUNGAI TENGAH 6 1
KAB. HULU SUNGAI UTARA 6 1
KAB. TABALONG 6 1
KAB. TANAH BUMBU 6 1
KAB. BALANGAN 6 1
KOTA BANJARMASIN 6 1
KOTA BANJARBARU 6 1
Kalimantan Timur KAB. PASIR 6 1
KAB. KUTAI BARAT 6 1
KAB. KUTAI KARTANEGARA 6 1
KAB. KUTAI TIMUR 6 2
KAB. BERAU 6 3
KAB. MALINAU 6 2
KAB. BULUNGAN 6 3
KAB. NUNUKAN 6 2
KAB. PENAJAM PASER UTARA 6 1
KAB. TANA TIDUNG 6 2
KOTA BALIKPAPAN 6 1
KOTA SAMARINDA 6 1
KOTA TARAKAN 6 2
KOTA BONTANG 6 2
Sulawesi Utara KAB. BOLAANG MONGONDOW 7.2 5
KAB. MINAHASA 7.2 5
KAB. KEPULAUAN SANGIHE 7.2 5
KAB. KEPULAUAN TALAUD 7.2 5
KAB. MINAHASA SELATAN 7.2 5
KAB. MINAHASA UTARA 7.2 5
KAB. BOLAANG MONGONDOW UT 7.2 5
KAB. KEPULAUAN SITARO 7.2 5
KAB. MINAHASA TENGGARA 7.2 5
KOTA MANADO 7.2 5
KOTA BITUNG 7.2 5
KOTA TOMOHON 7.2 5
KOTA KOTAMOBAGU 7.2 5
77
Sulawesi Tengah KAB. BANGGAI KEPULAUAN 7.2 4
KAB. BANGGAI 7.2 5
KAB. MOROWALI 7.2 3
KAB. POSO 7.2 4
KAB. DONGGALA 7.2 4
KAB. TOLI-TOLI 7.2 5
KAB. BUOL 7.2 5
KAB. PARIGI MOUTONG 7.2 5
KAB. TOJO UNA-UNA 7.2 4
KOTA PALU 7.2 4
Sulawesi Selatan KAB. SELAYAR 7.2 2
KAB. BULUKUMBA 7.2 2
KAB. BANTAENG 7.2 2
KAB. JENEPONTO 7.2 2
KAB. TAKALAR 7.2 2
KAB. GOWA 7.2 2
KAB. SINJAI 7.2 2
KAB. MAROS 7.2 2
KAB. PANGKAJENE KEPULAUAN 7.2 2
KAB. BARRU 7.2 3
KAB. BONE 7.2 2
KAB. SOPPENG 7.2 3
KAB. WAJO 7.2 3
KAB. SIDENRENG RAPPANG 7.2 3
KAB. PINRANG 7.2 3
KAB. ENREKANG 7.2 3
KAB. LUWU 7.2 3
KAB. TANAH TORAJA 7.2 4
KAB. LUWU UTARA 7.2 3
KAB. LUWU TIMUR 7.2 3
KOTA MAKASSAR 7.1 2
KOTA PARE-PARE 7.2 3
KOTA PALOPO 7.2 3
Sulawesi Tenggara KAB. BUTON 7.2 3
KAB. MUNA 7.2 3
KAB. KONAWE 7.2 3
KAB. KOLAKA 7.2 3
KAB. KONAWE SELATAN 7.2 3
KAB. BOMBANA 7.2 3
KAB. WAKATOBI 7.2 3
KAB. KOLAKA UTARA 7.2 3
KAB. BUTON UTARA 7.2 4
KAB. KONAWE UTARA 7.2 3
KOTA KENDARI 7.2 4
KOTA BAU-BAU 7.2 3
Gorontalo KAB. BOALEMO 7.2 5
KAB. GORONTALO 7.2 5
KAB. POHUWATO 7.2 5
KAB. BONE BOLANGO 7.2 5
KAB. GORONTALO UTARA 7.2 5
KOTA GORONTALO 7.2 5
78
Sulawesi Barat KAB. MAJENE 7.2 4
KAB. MAMASA 7.2 4
KAB. MAMUJU 7.2 4
KAB. MAMUJU UTARA 7.2 3
KAB. POLEWALI MANDAR 7.2 4
Maluku KAB. MALUKU TENGGARA BARAT 8 5
KAB. MALUKU TENGGARA 8 4
KAB. MALUKU TENGAH 8 4
KAB. BURU 8 5
KAB. KEPULAUAN ARU 8 5
KAB. SERAM BAGIAN BARAT 8 4
KAB. SERAM BAGIAN TIMUR 8 5
KOTA AMBON 8 5
KOTA TUAL 8 4
Maluku Utara KAB. HALMAHERA BARAT 8 5
KAB. HALMAHERA TENGAH 8 4
KAB. KEPULAUAN SULA 8 5
KAB. HALMAHERA SELATAN 8 5
KAB. HALMAHERA UTARA 8 5
KAB. HALMAHERA TIMUR 8 4
KOTA TERNATE 8 5
KOTA TIDORE 8 5
Papua Barat KAB. FAK-FAK 8 3
KAB. KAIMANA 8 3
KAB. TELUK WANDOMA 8 4
KAB. TELUK BINTUNI 8 4
KAB. MANOKWARI 8 5
KAB. SORONG SELATAN 8 3
KAB. SORONG 8 4
KAB. RAJA AMPAT 8 4
KOTA SORONG 8 3
Papua KAB. MERAUKE 8 1
KAB. JAYAWIJAYA 8 5
KAB. JAYAPURA 8 5
KAB. NABIRE 8 5
KAB. YAPEN WAROPEN 8 4
KAB. BIAK NUMFOR 8 4
KAB. PANIAE 8 4
KAB. PUNCAK JAYA 8 3
KAB. MIMIKA 8 3
KAB. BOVEN DIGOEL 8 2
KAB. MAPPI 8 2
KAB. ASMAT 8 2
KAB. YAHUKIMO 8 5
KAB. PEGUNUNGAN BINTANG 8 4
KAB. TOLIKARA 8 5
KAB. SARMI 8 5
KAB. KEEROM 8 5
KAB. WAROPEN 8 4
KAB. SUPIORI 8 4
KOTA JAYAPURA 8 5
79

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w w w .m a ip a r k .

Hotel Ambacang, Gempa Bumi Padang, 30/09/2009

Dengan Hormat, Dear Sir / Madam,

Hormat kami, Sincerely,

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

Jumlah Risiko Asuransi Gempa Bumi Indonesian Earthquake Insurance Number of

Okupasi Komersial ...............................................40 Commercial Occupation ...................................... 40

Okupasi Industrial ................................................41 Industrial Occupation .......................................... 41

Okupasi Residensial .............................................42 Residential Occupation ........................................ 42

Okupasi Komersial ...............................................44 Commercial Occupation ...................................... 44

Okupasi Industrial ................................................45 Industrial Occupation .......................................... 45

Okupasi Residensial .............................................46 Residential Occupation ........................................ 46

Okupasi Komersial ...............................................48 Commercial Occupation ....................................... 48

Okupasi Industrial ................................................49 Industrial Occupation ........................................... 49

Okupasi Residensial .............................................50 Residential Occupation ........................................ 50

Okupasi Komersial ...............................................52 Commercial Occupation ....................................... 52

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

Okupasi Residensial .............................................54 Residential Occupation ........................................ 54

Damage Ratio ……………….. ...................................62 Damage Ratio ……………….. .................................. 62

1. Statistik dibuat berdasarkan Underwriting 1. Statistic Report is based on

2. Sesi Limit 2. Cession Limit

3. Tarif Premi Asuransi Gempa Bumi 3. Indonesian Standard Earthquake

4.1.1. Kerusakan Fisik : 4.1.1. Material damage :

4.2 Penutupan sebagaimana 4.2. Insured object referred in point 4.1

5. Pelaporan Bordero 5. Bordereaux Submission

Berdasarkan data Badan Pusat Statistik, Based on Central of Statistics Bureau

B. Struktur Pasar B. Market Structure

C. Premi Bruto C. Gross Premium

Sampai dengan 31 Desember 2013, premi As at 31 December 2013, earthquake

Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 31 Desember 2013

Grafik 1.1 Jumlah Risiko Berdasarkan Okupasi per 31 Desember 2013

Residential, 42,755 Industrial, 14,995

UY 2009 Agricultural, 441 Residential, UY 2011

UY 2013 Agricultural, 333

E. Incurred Claim E. Incurred Claim

Okupasi Underwriting Year

*) Dalam Jutaan Rupiah

kurang dari 50 1,149 18,274,888,886.08 15,905,038.20 49,973,280.00 131,440.00

Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 31 Desember 2013

Okupasi 2009 2010 2011 2012 2013

Aceh 22 January 2013 6 590,717,400

Aceh 22-Jan-13 0 2 0 0 0.00 590,717,400.00 0.00 0.00

1 ACEH 26-12-2004 9 864,048,717,450.42

*) Penyebab terkait letusan gunung berapi

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

2009 125,701 1,781,183,652,111.94 1,862 990,440,072,402.53 55.61%

Tabel 1.9 Premi dan Exposure per 31 Desember 2013

Tab le 2.1 in IDR

UY 2010 North Sumatera

117,241.91 113,340.13 West Java

183,549.16 Central Java

Tab le 2.3 In IDR

Tab le 3.1 in IDR

MEDAN 1.2 5,178 5,664 5,776 5,970 4,728

OTHERS 1.3 3,380 5,147 4,490 4,576 2,714

NORTH SUMATERA 1 9,105 11,445 10,783 11,130 7,885

PADANG 2.1 4,240 8,363 9,866 10,567 8,020

PALEMBANG 2.2 1,602 1,613 1,440 1,509 1,214

Underwriting Jumlah Polis Premi ) Frekwensi Klaim Jumlah Klaim )