Statistic Report 30 Juni 2015

MAIPARK, Statistik, 06/2015
PT Reasuransi MAIPARK Indonesia

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 will
umum sangat berarti bagi kami dalam upaya 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 write
perusahaan yang menangani asuransi gempa earthquake insurance but also to the whole
bumi, namun juga bagi industri asuransi umum general insurance industry in Indonesia.
di Indonesia.
Hormat kami, Sincerely,
Yasril Y. Rasyid
President Director

Daftar Isi
Content
Hal. Page
Kata Pengantar.......................................................i Foreword ............................................................... i

Daftar Isi.................................................................ii Contents ............................................................... ii
Informasi Statistik ...............................................vii Statistic Information .......................................... vii
s
Ikhtisar Statistik Asuransi Gempa Bumi Statistic Overview of Indonesian Earthquake
Indonesia Juni 2015 ................................................ Insurance June 2015 ..............................................
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 ............................................ 5 E. Incurred Claim ............................................ 5
Exposure Asuransi Gempa Bumi Indonesia ........ Indonesian Earthquake Insurance Exposure ......
Tabel 2.1. Exposure Per Cresta Zone ........... 10 Table 2.1. Exposure By Cresta Zone ............ 10
Tabel 2.2. Exposure Per Okupasi ................... 12 Table 2.2. Exposure By Occupation .............. 12
Tabel 2.3. Exposure Per Interest.................... 14 Table 2.3. Exposure By Interest .................... 14
Tabel 2.4. Exposure Per Provinsi ................... 16 Table 2.4. Exposure By Province .................. 16
Tabel 2.5. Exposure Per Kelas Konstruksi ...... 17 Tabel 2.5. Exposure By Construction Class .... 17
Premi Bruto Asuransi Gempa Bumi Indonesia Indonesian Earthquake Insurance Gross
............................................................................. …. Premium .................................................................
Tabel 3.1. Gross Premium Per Cresta Zone .. 19 Table 3.1. Gross Premium By Cresta Zone ... 19
Tabel 3.2. Gross Premium Per Okupasi ......... 21 Table 3.2. Gross Premium By Occupation .... 21
Tabel 3.3. Gross Premium Per Provinsi ......... 23 Table 3.3. Gross Premium By Province ......... 23
Tabel 3.5. Gross Premium Per Kelas Konstruksi Table 3.5. Gross Premium By Construction Class
...................................................................... 24 ...................................................................... 24
Jumlah Risiko Asuransi Gempa Bumi Indonesia Indonesian Earthquake Insurance Number of
.................................................................................. Risks .......................................................................
Tabel 4.1. Jumlah Risiko Per Cresta Zone ..... 26 Table 4.1. Number of Risk By Cresta Zone ... 26
Tabel 4.2. Jumlah Risiko Per Okupasi ............ 28 Table 4.2. Number of Risk By Occupation .... 28
Tabel 4.3. Jumlah Risiko Per Kelas Konstruksi Table 4.3. Number of Risk By Construction Class
...................................................................... 30 ...................................................................... 30
Klaim Asuransi Gempa Bumi Indonesia .............. Indonesian Earthquake Insurance Claim ............
Tabel 5.1. Klaim Frekwensi Per Cresta Zone.. 32 Table 5.1. Claim Frequency By Cresta Zone .. 32
Tabel 5.2. Klaim Frekwensi Per Okupasi ....... 34 Table 5.2. Claim Frequency By Occupation….34
ii

Tabel 5.4.. Klaim Per Cresta Zone ................. 36 Table 5.4. Claim By Cresta Zone . ............…….36
Tabel 5.5. Klaim Per Okupasi Table 5.5 Claim By Occupation ................ …..38
...........................................…………………........38
Risk and Loss Profile ............................................

Profil Risiko dan Klaim ..........................................
Underwriting Year 2011 - 2015,
Underwriting Year 2011 - 2015,
All Occupation .............................................. 40
Seluruh Okupasi ........................................... 40
Underwriting Year 2015, All Occupation ..... 41
Underwriting Year 2015, Seluruh Okupasi ... 41
Risk and Loss Profile Underwriting Year 2015

Profil Risiko dan Klaim Underwriting Year 2015 By Occupation …....................................................
Per Okupasi ............................................................
Agricultural Occupation ................................ 46
Okupasi Agrikultural ..................................... 46
Commercial Occupation ............................... 47
Okupasi Komersial ........................................ 47
Industrial Occupation ................................... 48
Okupasi Industrial ........................................ 48
Residential Occupation ................................ 49
Okupasi Residensial ...................................... 49

Per Okupasi ............................................................
Commercial Occupation ............................... 51
Industrial Occupation ................................... 52
Residential Occupation ................................ 53

Per Okupasi ............................................................
Commercial Occupation ................................ 55
Industrial Occupation.................................... 56
Residential Occupation ................................. 57
iii

Profil Risiko dan Klaim Underwriting Year 2012 Risk and Loss Profile Underwriting Year 2012
Per Okupasi ............................................................ By Occupation …....................................................
Okupasi Agrikultural ..................................... 58 Agricultural Occupation ................................ 58
Okupasi Komersial ........................................ 59 Commercial Occupation ................................ 59
Okupasi Industrial ........................................ 60 Industrial Occupation.................................... 60
Okupasi Residensial ...................................... 61 Residential Occupation ................................. 61
Profil Risiko dan Klaim Underwriting Year 2011 Risk and Loss Profile Underwriting Year 2011
Per Okupasi ............................................................ By Occupation .......................................................
Okupasi Agrikultural ..................................... 62 Agricultural Occupation ................................ 62
Okupasi Komersial......................................... 63 Commercial Occupation ................................ 63
Okupasi Industrial ......................................... 64 Industrial Occupation.................................... 64
Okupasi Residential ....................................... 65 Residential Occupation ................................. 65
Exposure, Premi Bruto, Jumlah Risiko dan Klaim Indonesian Earthquake Insurance Exposure,
Asuransi Gempa Bumi Indonesia ......................... Gross Premium, Number of Risks and Claim .....
Exposure, Premi Bruto, Jumlah Risiko & Klaim Exposure, Gross Premium, Number of Risks &
per Cresta Zone, Underwriting Year 2011 .... 66 Claim by Cresta Zone, UY 2011 ………………….66
per Cresta Zone, Underwriting Year 2012 ..... 67 Claim by Cresta Zone, UY 2012 ..................... 67
per Okupasi, Underwriting Year 2011 .......... 71 Claim by Occupation, UY 2011 …………………..71
per Okupasi, Underwriting Year 2012 ........... 72 Claim by Occupation, UY 2012 ...................... 72
iv

per Provinsi, Underwriting Year 2011 .......... 76 Claim by Province, UY 2011 ……………………….76
per Provinsi, Underwriting Year 2012 ........... 77 Claim by Province, UY 2012 .......................... 77
Peta Map
Distribusi Exposure Gempa Bumi Indonesia per Indonesian Earthquake Exposure Distribution
Provinsi, Underwriting Year 2015, per 30 Juni By Province, Underwriting Year 2015, as at 30
2015 …….. ..................................................... 81 June 2015 ..................................................... 81
Distribusi Gempa Bumi Indonesia M > 5 dan Indonesian Earthquake Distribution M > 5 and
Claim Incurred 2015 ……................................ 82 Claim Incurred 2015 …………………………..……….
...................................................................... 82
Distribusi Exposure Gempa Bumi Indonesia per
Provinsi, Underwriting Year 2015, per 30 Juni Indonesian Earthquake Exposure Distribution
2015, Distribusi Gempa Bumi Indonesia M > 5 By Province, Underwriting Year 2015, as at 30
dan Claim Incurred UY June 2015, Indonesian Earthquake Distribution
2015…………………………………………………………..83 M > 5 and Claim Incurred 2015..................... 83
Ulasan Aktuaria……………………………….…………84 Actuarial Commentary ……..…………….…………84
Lampiran Attachments
1. Daftar Istilah ..........................................93 1. Glossaries .............................................. 93
2. Tarif Asuransi Gempa Bumi Indonesia …. 2. Indonesian Earthquake Insurance Tariff ..
................................................................95 ............................................................... 95
3. Skala First Loss .......................................97 3. First Loss Scale ................... …………………97
4. Tabel jangka Waktu Pertanggungan 4. Short Period Table Less Than One Year
Kurang Dari Satu Tahun ........................98
Period………………………………………………….98
5. Skala Indemnity Period ..........................99 5. Indemnity Period Scale…………………………99
6. Tabel Cresta Zone dan Zona ……………….100 6. Cresta Zone and Zone Table………………100

Referensi Reference
1. Otoritas Jasa Keuangan (OJK). 1. Financial Services Authority (OJK).

2. Badan Pusat Statistik (BPS). 2. Central of Statistics Bureau (BPS).
*) Laporan Statistik ini dapat diperoleh di website *) Statistic Report is available on PT Reasuransi
PT Reasuransi MAIPARK Indonesia MAIPARK Indonesia‘s Website
www.maipark.com www.maipark.com
vi

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

Year yang tercatat sampai dengan posisi Year basis, which is recorded as at 30
30 Juni2015. June 2015.
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 and
Banten dan DKI: DKI:
 5% (lima prosen) dari  5% (five percent) of the
jumlah seluruh 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 U.S.
lima ratus ribu Dollar Dollars) for any one
Amerika) atas setiap risk, each insurance
risiko, setiap company or policy
perusahaan asuransi issuer for Underwriting
atau penerbit polis Year 2010, 2011 and
untuk Underwriting 2012.
Year 2010, 2011 dan
2012.
 5% (lima prosen) dari  5% (five percent) of the
jumlah seluruh 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 miliar 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 five
enam ratus tiga puluh hundred seventy eight
satu lima ratus tujuh U.S. Dollars) for any
puluh delapan Dollar one risk, each
Amerika) atas setiap insurance company or
risiko, setiap policy issuer for
perusahaan asuransi Underwriting Year
atau penerbit polis 2013.
vii

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 sum insured, being a
pertanggungan (total maximum of USD
sum insured) 2,500,000.00 (two
maksimum USD million five hundred
2.500.000,00 (dua juta thousand U.S. Dollars)
lima ratus ribu Dollar for any one risk, each
atau penerbit polis 2010, 2011 and 2012.
untuk Underwriting
Year 2010, 2011 dan
2012.
 25% (dua puluh lima  25% (twenty five
pertanggungan (total maximum of
sum insured) Rp.25,000,000,000.00
maksimum Rp. (twenty five billion
(dua puluh lima miliar 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 five
enam ratus tiga puluh hundred seventy eight
satu lima ratus tujuh U.S. Dollars) for any
puluh delapan Dollar one risk, each
atau penerbit polis 2013.
untuk Underwriting
Year 2013.
2.1.3 Terhitung sejak 1 Januari 2.1.3. Since January 1, 2014,
2014 Limit Sesi atas setiap Cession Limit of any one
risiko (any one risk) untuk risk for the combined
gabungan kerugian fisik material damage and
dan gangguan usaha business interruption is :
adalah:
 15% (lima belas  15% (fifteen percent)
prosen) dari jumlah of the total sum
seluruh
viii

pertanggungan (total insured, being a
sum insured) maximum of USD
maksimum USD 3,500,000.00 (three
3.500.000,00 (tiga 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 Underwriting Year
untuk Underwriting 2014.
Year 2014.
 15% (lima belas  15% (twenty five

pertanggungan (total maximum of
sum insured) Rp.35,000,000,000.00
maksimum Rp. (thirty five billion
(tiga puluh lima miliar or equal to USD
Rupiah) atau yang 3,043,478.26 (three
setara dengan USD million fourty three
3.043.478,26 (tiga juta thousand four hundred
empat puluh tiga ribu seventy eight point
empat ratus tujuh twenty six U.S. Dollars)
puluh delapan koma for any one risk, each
dua puluh enam Dollar insurance company or
Amerika) atas setiap policy issuer for
risiko, setiap Underwriting Year
perusahaan asuransi 2015.
atau penerbit polis
untuk Underwriting
Year 2015.
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 each
harga pertanggungan seluruh risiko insurance company. The definition of
pada lokasi yang sama untuk anyone risk or any location is
masing-masing perusahaan specified by the insurer or policy
asuransi. Definisi setiap risiko atau issuer in accordance with the fire
setiap lokasi ditentukan oleh underwriting policy.
perusahaan asuransi dalam
underwriting polis kebakaran.
ix

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 ko- 2.4 For risks which are covered by co-
asuransi, jumlah maksimum sesi insurance, the maximum cession
dari semua anggota ko-asuransi from all members of coinsurance is
adalah sesuai dengan ketentuan stipulated in point 2.1 above. Each
yang diatur dalam 2.1 diatas. Sesi ceding company cedes
masing-masing perusahaan adalah proportionally depending on its co-
proporsional sebanding sahamnya insurance share.
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 able
sama, perusahaan asuransi tetap to cede such risk subject to total
dapat mensesikan risiko dimaksud, insurance company’s cession not
dengan catatan jumlah seluruh sesi exceeding the provision in point 2.1.
perusahaan asuransi
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).
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 dimaksud 4.2. Insured object referred in point 4.1
pada butir 4.1. adalah yang ditutup is direct business, including
secara langsung (direct business) coinsurance. Indirect business /
termasuk ko-asuransi. Penutupan reinsurance cannot be ceded.
tidak langsung (indirect business /
reasuransi) tidak dapat disesikan.
xi

5. Pelaporan Bordero 5. Bordereaux Submission
Pelaporan bordero dilakukan setiap Bordereaux submission is on a monthly
bulannya untuk semua risiko yang ditutup basis for all risks underwritten in the
pada bulan yang bersangkutan dan sudah month concerned and should be received
harus diterima selambat-lambatnya pada by the end of the following month at the
akhir bulan berikutnya latest.
xii

Ikhtisar Statistik Asuransi Gempa Bumi Indonesia Juni 2015
Statistic Overview of Indonesia Earthquake Insurance June 2015
A. Umum A. General
Berdasarkan data Badan Pusat Statistik, Based on Central of Statistics Bureau Data,
Perekonomian Indonesia pada triwulan II-2015 Indonesian economic in second quarter 2015 as
sebagaimana diukur dari Produk Domestik measured by Gross Domestic Product (GDP)
Bruto (PDB), tumbuh sebesar 3,78 % increased by 3.78 % compared with first quarter
dibandingkan triwulan I-2015 (q-to-q). Nilai 2015 (q-to-q). Gross Domestic Product (GDP)
Produk Domestik Bruto (PDB) Indonesia atas based on Constant Price 2010 in second quarter
dasar harga konstan 2010 pada triwulan II-2015 2015 reached the amount of Rp. 2,239.3 trillion
mencapai Rp. 2.239,3 triliun sedangkan pada while in first quarter 2015 was Rp. 2,157.8
triwulan I-2015 sebesar Rp.2.157,8 triliun. Bila trillion. If it is based on Current Market Price,
dilihat berdasarkan harga berlaku, PDB triwulan GDP in second quarter 2015 was Rp. 2,866.9
II-2015 adalah sebesar Rp. 2.866,9 triliun trillion while in first quarter 2015 was Rp. 2,728.8
sedangkan triwulan I-2015 adalah Rp. 2.728,8 trillion.
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
2014: Industri Keuangan Non Bank 2014: 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 30 Juni 2015, premi bruto As at 30 June 2015, earthquake gross
asuransi gempa bumi Underwriting Year 2011 premium for Underwriting Year 2011 was Rp.
adalah sebesar Rp. 2.821,3 miliar. Premi bruto 2,821.3 billion. Gross premium for Underwriting
untuk Underwriting Year 2012 tercatat Year 2012 was recorded

Rp. 2.645,4 miliar, sedangkan untuk Rp. 2,645.4 billion, while for Underwriting Year
Underwriting Year 2013 adalah Rp. 4.251,8 2013 was Rp. 4,251.8 billion. For Underwriting
miliar. Untuk Underwriting Year 2014 dan 2015 Year 2014 and 2015 were Rp. 4,242.6 billion
adalah Rp. 4.242,6 miliar dan Rp. 749,7 miliar. and Rp. 749.7 billion. These figures would
Angka – angka ini akan terus bergerak naik certainly increase especially for Underwriting
terutama untuk Underwriting Year 2014 dan Year 2014 and 2015.
2015.
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 2011 hingga Underwriting Underwriting Year 2011 to Underwriting Year
Year 2015. Prosentase okupasi Industrial selalu 2015. Industrial occupation always has the
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 47% dari Commercial, Residential), that is above 47 %
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 Komersial pada under Commercial occupation in Underwriting
Underwriting Year 2013 yang meningkat Year 2013 increased by 165.3% from Rp.
sebesar 165,3% dari Rp. 646.139,75 juta di 646,139.75 million in Underwriting Year 2012 to
Underwriting Year 2012 menjadi Rp. Rp. 1,714,074.27 million.
1.714.074,27 juta.
Tabel 1.1 Premi Bruto dan Rasio Berdasarkan Okupasi per 30 Juni 2015
Table 1.1 Gross Premium and Ratio By Occupation as at 30 June 2015
Dalam Jutaan Rupiah
In Million Rupiah
Okupasi
Underwriting
Total
Year Agrikultural / Agricultural Komersial / Commercial Industri / Industrial Residensial / Residential
2011 23,897.32 0.85% 758,200.03 26.87% 1,696,811.05 60.14% 342,414.01 12.14% 2,821,322.40
2012 29,419.23 1.11% 646,139.75 24.43% 1,623,908.96 61.39% 345,921.69 13.08% 2,645,389.64
2013 34,917.83 0.82% 1,714,074.27 40.31% 2,028,735.96 47.71% 474,108.51 11.15% 4,251,836.57
2014 24,913.07 0.59% 918,279.91 21.64% 2,679,945.46 63.17% 619,512.25 14.60% 4,242,650.69
2015 2,213.84 0.30% 211,342.54 28.19% 409,408.22 54.61% 126,734.87 16.90% 749,699.47
T OT AL 115,361.29 4,248,036.51 8,438,809.64 1,908,691.33 14,710,898.77

D. Jumlah Risiko D. Number of Risks
Tabel 1.2 di bawah ini menyajikan jumlah Table 1.2 below shows the number of risks
risiko pada Underwriting Year 2011 hingga from Underwriting Year 2011 to Underwriting
Underwriting Year 2015 yang tercatat sampai Year 2015 recorded until 30 June 2015.
dengan 30 Juni 2015.
Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 30 Juni2015

Table 1.2 Number of Risk By Occupation as at 30 June 2015
Okupasi U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Occupation Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total % Jumlah / Total %
Agricultural / Agricultural A 379 0.23 420 0.24 482 0.26 420 0.20 59 0.12
Komersial / Commercial C 91,426 55.10 94,389 54.53 100,292 53.21 109,009 51.57 20,377 41.60
Industrial / Industrial I 14,997 9.04 17,099 9.88 18,252 9.68 17,159 8.12 3,079 6.29
Residensial / Residential R 59,138 35.64 61,189 35.35 69,467 36.85 84,794 40.11 25,468 51.99
Jumlah / Total 165,940 100.00 173,097 100.00 188,493 100.00 211,382 100.00 48,983 100.00
Number of Risk By Occupation

As at 30 Jun 2015
Industrial,
14,997 Residential, 69,467 Agricultural, 482
Commercial,
91,426
Commercial,
94,389
Industrial,
17,099
Residential, Commercial, 100,292

59,138 Industrial, 18,252
Agricultural, 379
Residential,
61,189
UY 2011 Agricultural, 420
UY 2013
Industrial, 3,079
Commercial,
109,009
UY 2012 Residential, 25,468

Industrial, 17,159
Commercial, 20,377
Agricultural, 420 Residential, 84,794
Agricultural, 59
UY 2014 UY 2015

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 2011 sampai dengan Underwriting Year 2011 to Underwriting Year
Underwriting Year 2015 ada pada okupasi 2015, is under Commercial occupation, which is
Komersial, yaitu selalu berada pada rasio di atas always on the ratio above 41% from the total
41% dari total risiko. Kemudian diikuti oleh risk. Then, it is followed by Residential
okupasi Residensial dengan rasio di atas 35%. occupation with ratio above 35%.
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 nor
positif. Hal ini dibuktikan dengan apabila melihat positive. This is proved which the highest gross
dari premi bruto tertinggi berada di okupasi premium is on the industrial occupation while the
industrial sedangkan banyak risiko tertinggi highest total risk is under commercial
berada pada okupasi komersial. occupation.
Berdasarkan data okupasi, okupasi Based on occupation data, Commercial
Komersial terdiri dari beberapa kode okupasi. occupation consist of several occupation codes.
Jumlah risiko terbesar berdasarkan kode The highest number of risks by occupation code
okupasi di Underwriting Year 2011 – 2015 in Underwriting Year 2011 – 2015 are as follows:
adalah sebagai berikut:
Jumlah Risiko Terbesar pada Okupasi Komersial Berdasarkan Kode Okupasi per 30 Juni 2015
The Highest Number Of Risk in Commercial Occupation as at 30 June 2015 by Occupation Code
Deskripsi & Kode Okupasi U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Description & Occupation Code Jumlah / Total Jumlah / Total Jumlah / Total Jumlah / Total Jumlah / Total
Shops 2934 0 0 0 25,737 5,096
Shops - Subject to Waranty A 29341 22,158 22,998 15,962 0 0
Private Warehouses and
Storehouses - Subject to 29371 12,800 12,980 14,291 0 0
Warranty A
Veem and Bonded Warehouses -
293941 1 2 3 0 0
Subject to Warranty A
Jumlah / Total 34,959 35,980 30,256 25,737 5,096
Okupasi Residensial terdiri dari beberapa kode Residential occupation consist of several
okupasi. Jumlah risiko terbesar berdasarkan occupation codes. The highest number of risks
kode okupasi di Underwriting Year 2011 – 2015 by occupation code in Underwriting Year 2011 –
adalah sebagai berikut: 2015 are as follows:
Jumlah Risiko Terbesar pada Okupasi Residensial Berdasarkan Kode Okupasi per 30 Juni 2015
The Highest Number Of Risk in Residential Occupation as at 30 June 2015 by Occupation Code
Deskripsi & Kode Okupasi U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Description & Occupation Code Jumlah / Total Jumlah / Total Jumlah / Total Jumlah / Total Jumlah / Total
Private Warehouses and

Storehouses - Subject to 2976 35,956 35,385 34,065 46,956 14,530
Warranty A
Jumlah / Total 35,956 35,385 34,065 46,956 14,530

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 2011 yaitu sebanyak Underwriting Year 2011 was 87 claims and it
87 klaim dan didominasi okupasi Komersial dominated by Commercial occupation of 62
sebanyak 62 klaim. Hal ini disebabkan oleh claims. It was caused by Earthquakes in 2011
kejadian gempa bumi di 2011 yaitu Gempa Bumi namely Nusa Dua Earthquake on 13 October
Nusa Dua pada tanggal 13 Oktober 2011 2011 with a magnitude of 6.8 S.R and Sibolga
dengan kekuatan 6,8 S.R dan Gempa Bumi Earthquake on 6 November 2011 with a
Sibolga pada tanggal 6 November 2011 dengan magnitude of 6.7 S.R.
kekuatan 6,7 S.R.
Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2015

Table 1.3 Claim Frequency By Occupation as at 30 June 2015
Okupasi Underwriting Year

Occupation 2011 2012 2013 2014 2015
Agrikultural / Agricultural A 0 0 0 0 0
Komersial / Commercial C 62 14 45 7 0
Industrial / Industrial I 0 0 5 0 0
Residensial / Residential R 25 1 7 2 0
Jumlah / Total 87 15 57 9 0

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 Claim
berada pada Total Incurred Claim yang relative Incurred.
besar.
Tabel 1.4 Frekwensi Incurred Claim Underwriting Year 2012 Per 30 Juni 2015
Table 1.4 Frequency Incurred Claim Underwriting Year 2012 as at 30 June 2015
*) Dalam Rupiah
*) In 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
0 - 50 8 192,541,051 24,067,631 50,000,000 4,136,951

50 - 100 2 118,711,030 59,355,515 62,328,097 56,382,933
100 - 200 1 200,000,000 200,000,000 200,000,000 200,000,000
200 - 300 2 521,621,500 260,810,750 263,572,500 258,049,000
300 - 500 2 687,668,400 343,834,200 355,000,000 332,668,400
500 - 750 0 0 0 0 0
750 - 1,000 0 0 0 0 0
1,000 - 1,500 0 0 0 0 0
1,500 - 2,000 0 0 0 0 0
2,000 - 2,500 0 0 0 0 0
2,500 - 3,000 0 0 0 0 0
3,000 - 4,000 0 0 0 0 0
4,000 - 5,000 0 0 0 0 0
5,000 - 7,500 0 0 0 0 0
7,500 - 10,000 0 0 0 0 0
10,000 - 20,000 0 0 0 0 0
20,000 - 50,000 0 0 0 0 0
50,000 - 100,000 0 0 0 0 0
100,000 - 500,000 0 0 0 0 0
500,000 - up 0 0 0 0 0
Total 15 1,720,541,981

Dengan melihat tabel 1.5 tampak bahwa Looking at table 1.5 below, it shows that the
jumlah klaim terbesar berada pada Underwriting largest claim is in the Underwriting Year 2013.
Year 2013. Klaim yang terbesar adalah pada The largest claim is under Commercial
okupasi Komersial, yaitu 99,40% dari total klaim occupation that is 99.40% of the total claim in
di Underwriting Year 2013 atau sebesar Rp. Underwriting Year 2013 or Rp. 306.2 billion.
306,2 miliar.
Tabel 1.5 Jumlah Klaim Berdasarkan Okupasi per 30 Juni 2015
Table 1.5 Claim Amount By Occupation as at 30 June 2015
Dalam Rupiah
In Rupiah
Underwriting Year
Okupasi 2011 2012 2013 2014 2015
Occupation Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount % Jumlah / Amount %
Agrikultural / Agricultural A 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Komersial / Commercial C 6,375,313,072.29 95.80 1,670,541,980.54 97.09 306,212,972,292.31 99.40 1,228,599,676.05 94.69 0.00 0.00
Industrial / Industrial I 0.00 0.00 0.00 0.00 1,750,356,290.96 0.57 0.00 0.00 0.00 0.00
Residensial / Residential R 279,739,660.04 4.20 50,000,000.00 2.91 99,244,211.73 0.03 68,916,625.00 5.31 0.00 0.00
Jumlah / Total 6,655,052,732.33 100.00 1,720,541,980.54 100.00 308,062,572,795.00 100.00 1,297,516,301.05 100.00 0.00 0.00
Tabel 1.6 di bawah ini menyajikan kejadian Table 1.6 below shows earthquake events
Gempa Bumi Tahun 2015 dan Incurred Claim occurred in 2015 and the corresponding
sampai dengan 30 Juni 2015. incurred claims as at 30 June 2015.

Tabel 1.6 Kejadian Gempa Bumi Tahun 2015 dan Klaim per 30 Juni 2015
Table 1.6 Earthquak e Event in 2015 and Claim as at 30 June 2015
Dalam Rupiah
In Rupiah
Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Klaim
Event Date of Loss Magnitude (S.R) Claim
Manado 19-Mar-15 5.2 SR 367,160,000.00
Tabel 1.7 di bawah ini menyajikan klaim Table 1.7 shows Manado event by
untuk event Manado perjenis okupasi. occupation.
Tabel 1.7 Kejadian Gempa Bumi Tahun 2015 dan Klaim per Okupasi per 30 Juni 2015
Table 1.7 Earthquake Event in 2015 and Claim per Occupation as at 30 June 2015
Okupasi
Occupation
Kejadian Tanggal Kejadian Frekwensi Jumlah (Dalam Rupiah)
Event Date of Loss Frequency Amount (In Rupiah)
Agrikultural / Komersial / Industrial / Residensial / Agrikultural / Komersial / Industrial / Residensial /
Agricultural Commercial Industrial Residential Agricultural Commercial Industrial Residential
Manado 19-Mar-15 0 1 0 0 0.00 367,160,000.00 0.00 0.00
Tabel di bawah ini adalah daftar klaim The table below is a list of the largest claims
terbesar sampai dengan tanggal 30 Juni 2015. as at 30 June 2015.
Daftar Klaim - Klaim Terbesar Posisi 30 Juni 2015

List of The Largest Claims as at 30 June 2015
Dalam Rupiah
In Rupiah
No. Kejadian Tanggal Kejadian Kekuatan Gempa (S.R) Klaim
Event Date of Loss Magnitude (S.R) Claim
1 ACEH 26-12-2004 9 782,649,961,586.18

2 YOGYA 27-05-2006 5.9 268,635,542,386.91
3 PADANG 06-03-2007 5.8 22,224,113,241.32
4 BENGKULU 12-09-2007 7.9 49,044,007,333.60
5 PADANG 16-08-2009 6.9 42,782,942,555.00
6 TASIKMALAYA 02-09-2009 7.3 24,400,937,277.87
7 PARIAMAN 30-09-2009 7.6 1,082,395,841,788.55
8 BIMA 09-11-2009 6.7 43,046,593,135.48
9 MERAPI 25-10-2010 *) 27,499,741,856.40
10 KELUD 13-02-2014 *) 113,296,619,876.55
*) Pe nye ba b terka i t l e tus a n gunung be ra pi

Ca us e d by vol ca ni c e rupti on

Tabel 1.8 menyajikan data jumlah polis dan Table 1.8 shows number of policies, and
loss ratio per 30 Juni 2015. Tabel tersebut loss ratio as at 30 June 2015. The table show
menunjukkan bahwa loss ratio tertinggi berada that the biggest loss ratio was at Underwriting
pada Underwriting Year 2013 sebesar 7,25%. Year 2013 i.e. 7.25%. It was influenced by large
Hal ini dipengaruhi oleh nilai klaim yang cukup amount of claim that majority resulting from
tinggi yang mayoritas disebabkan dari Erupsi Kelud Eruption in 2014.
Gunung Kelud tahun 2014.
Tabel 1.8 Jumlah Polis dan Loss Ratio per 30 Juni 2015
Table 1.8 Number of Policies and Loss Ratio as at 30 June 2015
Underwriting Jumlah Polis Premi *) Frekwensi Klaim Jumlah Klaim *)

Loss Ratio
Year Number of Policies Premium *) Claim Frequency Incurred Claim *)
2011 117,060 2,821,322,404,542.47 87 6,655,052,732.33 0.24%

2012 111,505 2,645,389,635,380.59 15 1,720,541,980.54 0.07%
2013 115,678 4,251,836,566,234.02 57 308,062,572,795.00 7.25%
2014 125,596 4,242,650,688,164.07 9 1,297,516,301.05 0.03%
2015 34,745 749,699,474,583.64 0 0.00 0.00%
Keterangan :
*) Dalam Rupiah
In Rupiah
Tabel 1.9 menyajikan Premi dan Exposure Table 1.9 shows Premium and Exposure as
per 30 Juni 2015. at 30 June 2015.
Tabel 1.9 Premi dan Exposure per 30 Juni 2015

Table 1.9 Premium and Exposure as at 30 June 2015
Dalam Jutaan Rupiah
In Million Rupiah
Premi Exposure
Underwriting Year
Premium Exposure
2011 2,821,322.40 2,154,508,565.60
2012 2,645,389.64 1,931,209,404.23
2013 4,251,836.57 2,605,650,673.28
2014 4,242,650.69 2,688,065,075.39
2015 749,699.47 501,167,234.30
T OT AL 14,710,898.77 9,880,600,952.80

National Aggregate Exposure By Cresta Zone
As At 30/06/2015
Tab le 2.1 in IDR
U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Cresta Zone
Amount % Amount % Amount % Amount % Amount %
BANDA ACEH 1.1 4,799,061,565,236.65 0.22 3,853,109,114,587.20 0.20 4,584,417,825,419.94 0.18 6,358,619,953,498.16 0.24 455,976,230,003.88 0.09
MEDAN 1.2 46,652,172,698,019.40 2.17 39,461,037,801,624.10 2.04 47,542,841,695,945.20 1.82 52,960,197,728,466.80 1.97 15,266,930,733,632.30 3.05
OTHERS 1.3 98,732,449,809,919.40 4.58 40,046,371,005,873.30 2.07 49,388,292,913,159.30 1.90 50,050,764,200,763.80 1.86 5,459,716,930,089.16 1.09
NORTH SUMATERA 1 150,183,684,073,175.00 6.97 83,360,517,922,084.60 4.32 101,515,552,434,525.00 3.90 109,369,581,882,729.00 4.07 21,182,623,893,725.40 4.23
PADANG 2.1 16,558,741,293,262.30 0.77 18,866,092,244,302.70 0.98 27,019,846,969,932.80 1.04 29,477,769,570,121.90 1.10 4,343,731,570,576.07 0.87
PALEMBANG 2.2 15,670,152,211,490.50 0.73 18,924,640,233,255.90 0.98 22,991,302,055,908.20 0.88 18,812,054,223,542.00 0.70 2,704,718,148,459.90 0.54
OTHERS 2.3 123,060,615,053,710.00 5.71 134,125,533,745,810.00 6.95 150,261,108,880,271.00 5.77 181,058,254,439,927.00 6.74 29,600,541,769,976.90 5.91
SOUTH SUMATERA 2 155,289,508,558,463.00 7.21 171,916,266,223,368.00 8.90 200,272,257,906,112.00 7.69 229,348,078,233,590.00 8.53 36,648,991,489,012.90 7.31
JAKARTA 3.1 464,501,709,083,112.00 21.56 399,151,129,341,981.00 20.67 429,924,032,664,141.00 16.50 531,708,345,423,764.00 19.78 114,243,160,461,085.00 22.80
BANDUNG 3.2 6,881,910,055,825.06 0.32 10,941,392,878,987.80 0.57 10,455,800,182,858.20 0.40 9,865,031,172,512.33 0.37 3,383,533,867,786.94 0.68
OTHERS 3.3 607,607,677,895,557.00 28.20 655,965,204,624,330.00 33.97 974,495,125,173,158.00 37.40 884,594,173,548,510.00 32.91 175,486,957,797,968.00 35.02
WEST JAVA 3 1,078,991,297,034,490.00 50.08 1,066,057,726,845,300.00 55.20 1,414,874,958,020,160.00 54.30 1,426,167,550,144,790.00 53.06 293,113,652,126,839.00 58.49
SEMARANG 4.1 6,547,169,388,280.43 0.30 7,032,671,423,369.66 0.36 8,708,673,384,952.73 0.33 6,094,897,525,335.40 0.23 872,040,937,538.39 0.17
YOGYAKARTA 4.2 10,227,924,407,900.00 0.47 9,213,654,452,599.54 0.48 8,527,858,959,520.06 0.33 13,606,090,868,674.60 0.51 2,202,243,172,949.89 0.44
OTHERS 4.3 116,804,919,938,213.00 5.42 102,486,294,341,901.00 5.31 136,192,546,432,047.00 5.23 139,412,503,264,086.00 5.19 35,491,815,108,839.00 7.08
CENTRAL JAVA 4 133,580,013,734,394.00 6.20 118,732,620,217,870.00 6.15 153,429,078,776,519.00 5.89 159,113,491,658,096.00 5.92 38,566,099,219,327.30 7.70
SURABAYA 5.1 87,137,349,483,550.50 4.04 50,352,975,158,199.70 2.61 37,296,159,313,449.70 1.43 77,159,355,434,089.90 2.87 17,350,016,361,654.30 3.46
OTHERS 5.2 300,813,831,856,445.00 13.96 210,015,661,096,202.00 10.87 200,084,798,977,104.00 7.68 350,891,208,794,371.00 13.05 33,500,806,604,704.10 6.68
EAST JAVA 5 387,951,181,339,995.00 18.01 260,368,636,254,402.00 13.48 237,380,958,290,554.00 9.11 428,050,564,228,461.00 15.92 50,850,822,966,358.40 10.15
KALIMANTAN 6 123,120,604,752,261.00 5.71 101,269,813,257,791.00 5.24 128,063,585,552,569.00 4.91 104,335,917,881,702.00 3.88 19,654,791,173,810.90 3.92
UJUNG PANDANG 7.1 10,441,385,729,218.00 0.48 10,366,655,119,882.30 0.54 14,056,704,460,026.80 0.54 21,486,486,598,491.00 0.80 3,108,512,496,701.43 0.62
OTHERS 7.2 59,644,593,333,905.30 2.77 53,890,334,194,031.10 2.79 39,155,028,523,482.00 1.50 110,822,471,621,368.00 4.12 10,501,222,198,359.10 2.10
SULAWESI 7 70,085,979,063,123.30 3.25 64,256,989,313,913.30 3.33 53,211,732,983,508.80 2.04 132,308,958,219,859.00 4.92 13,609,734,695,060.50 2.72
OTHER ISLANDS 8 55,306,297,043,097.90 2.57 65,246,834,197,369.70 3.38 316,902,549,313,180.00 12.16 99,370,933,137,622.20 3.70 27,540,518,738,916.40 5.50
T OT AL 2,154,508,565,599,000.00 100.00 1,931,209,404,232,100.00 100.00 2,605,650,673,277,120.00 100.00 2,688,065,075,386,850.00 100.00 501,167,234,303,051.00 100.00
10

National Aggregate Exposure By Cresta Zone
As at 30 Jun 2015
(In Billion IDR)
133,580,013.73 153,429,078.78
387,951,181.34 237,380,958.29
128,063,585.55
123,120,604.75 1,414,874,958.02 53,211,732.98

118,732,620.22
1,078,991,297.03
260,368,636.25
101,269,813.26 316,902,549.31
1,066,057,726.85
70,085,979.06
55,306,297.04 101,515,552.43
200,272,257.91
150,183,684.07
155,289,508.56
64,256,989.31
UY 2011 UY 2013
65,246,834.20
83,360,517.92
171,916,266.22
UY 2012
159,113,491.66
38,566,099.22
428,050,564.23
50,850,822.97
104,335,917.88 293,113,652.13 19,654,791.17

1,426,167,550.14
13,609,734.70
132,308,958.22
27,540,518.74
99,370,933.14 21,182,623.89
109,369,581.88 36,648,991.49
229,348,078.23
UY 2014 UY 2015
11

National Aggregate Exposure By Occupation
As At 30/06/2015
in IDR
Table 2.2
U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Occupation
AGRICULTURAL A 20,170,306,793,199.60 0.94 23,543,592,772,030.10 1.22 25,720,200,428,711.00 0.99 19,270,163,312,967.20 0.72 1,597,018,054,605.00 0.32
COMMERCIAL C 543,583,034,082,770.00 25.23 452,326,550,885,605.00 23.42 945,213,315,483,594.00 36.28 597,476,872,879,481.00 22.23 139,793,099,008,678.00 27.89
INDUSTRIAL I 1,358,267,696,554,130.00 63.04 1,225,238,409,045,250.00 63.44 1,317,498,327,917,740.00 50.56 1,684,181,022,050,690.00 62.65 276,039,374,566,958.00 55.08
RESIDENTIAL R 232,487,528,168,908.00 10.79 230,100,851,529,218.00 11.91 317,218,829,447,078.00 12.17 387,137,017,143,709.00 14.40 83,737,742,672,810.20 16.71
T OT AL 2,154,508,565,599,000.00 100.00 1,931,209,404,232,100.00 100.00 2,605,650,673,277,120.00 100.00 2,688,065,075,386,850.00 100.00 501,167,234,303,051.00 100.00
12

As at 30 Jun 2015
( In Billion IDR )
Industrial, Industrial,
1,358,267,696.55 1,317,498,327.92
Industrial,
1,225,238,409.05
Commercial,
945,213,315.48 Residential,
317,218,829.45
Residential, Agricultural,
Commercial, 232,487,528.17 25,720,200.43
Commercial, 230,100,851.53
Agricultural, 452,326,550.89
UY 2011 20,170,306.79 UY 2013
Agricultural,
23,543,592.77
Industrial,
1,684,181,022.05 UY 2012 Industrial,
276,039,374.57
Residential,
387,137,017.14 Residential, 83,737,742.67
Commercial, 139,793,099.01
Commercial,
Agricultural, Agricultural,
597,476,872.88
19,270,163.31 1,597,018.05
UY 2014
UY 2015
13

National Aggregate Exposure By Interest
As At 30/06/2015
Tab le 2.3 In IDR
U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Interest
Building 964,149,559,051,406.00 44.75 799,375,212,157,898.00 41.39 944,225,048,709,218.00 36.24 1,141,640,488,037,040.00 42.47 216,086,403,015,337.00 43.12
Machinery 431,864,434,206,554.00 20.04 390,176,842,966,420.00 20.20 439,278,241,519,240.00 16.86 567,739,735,032,393.00 21.12 89,874,949,638,125.50 17.93
Others 254,262,184,053,071.00 11.80 276,884,980,019,862.00 14.34 473,113,463,073,476.00 18.16 303,309,137,157,491.00 11.28 89,901,024,674,904.50 17.94
Stock 284,182,162,668,283.00 13.19 281,145,992,942,971.00 14.56 324,236,732,577,797.00 12.44 382,403,614,646,182.00 14.23 63,614,494,023,336.10 12.69
Bussiness Interruption 220,050,225,619,690.00 10.21 183,626,376,144,946.00 9.51 424,797,187,397,394.00 16.30 292,972,100,513,744.00 10.90 41,690,362,951,348.10 8.32
T OT AL 2,154,508,565,599,000.00 100.00 1,931,209,404,232,100.00 100.00 2,605,650,673,277,120.00 100.00 2,688,065,075,386,850.00 100.00 501,167,234,303,051.00 100.00
14

National Aggregate Exposure Year By Interest
As at 30 Jun 2015
( In Billion IDR )
1,200,000,000
1,000,000,000
Building
Machinery
800,000,000 Stock
Others
600,000,000 Business Interruption
400,000,000
200,000,000
0
UY 2011 UY 2012 UY 2013 UY 2014 UY 2015
15

National Aggregate Exposure By Province
As At 30/06/2015
Tab le 2.4
In IDR
U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Province
01. NAD 61,716,398,867,310.90 2.86 8,242,681,344,607.12 0.43 9,005,631,873,527.51 0.35 10,502,439,335,646.30 0.39 2,012,264,836,614.09 0.40
02. SUMATERA UTARA 88,467,285,205,864.50 4.11 75,117,836,577,477.50 3.89 92,509,920,560,997.00 3.55 98,867,142,547,082.40 3.68 19,170,359,057,111.30 3.83
03. SUMATERA BARAT 23,705,405,279,292.50 1.10 26,868,884,213,511.40 1.39 37,123,475,274,657.40 1.42 40,486,344,266,288.60 1.51 5,986,661,675,010.23 1.19
04. RIAU 35,064,056,469,754.20 1.63 33,207,775,421,162.90 1.72 48,542,834,210,792.30 1.86 55,840,220,411,325.60 2.08 8,856,689,069,525.49 1.77
05. JAMBI 8,231,659,638,051.55 0.38 10,895,402,638,529.80 0.56 10,972,622,690,169.70 0.42 11,065,716,213,730.40 0.41 1,855,347,995,719.84 0.37
06. SUMATERA SELATAN 30,750,924,977,797.60 1.43 40,818,497,980,547.40 2.11 40,439,584,412,959.00 1.55 42,679,527,268,529.80 1.59 4,826,759,985,715.52 0.96
07. BENGKULU 4,060,325,847,435.66 0.19 4,433,571,477,580.84 0.23 4,865,040,259,933.02 0.19 5,523,126,676,207.22 0.21 1,043,807,349,664.97 0.21
08. LAMPUNG 27,534,812,464,501.00 1.28 28,273,311,997,973.60 1.46 26,647,584,539,396.70 1.02 37,296,673,198,166.30 1.39 6,617,915,899,229.32 1.32
09. KEP BANGKA-BELITUNG 3,156,384,885,166.98 0.15 3,770,377,555,319.56 0.20 4,527,818,073,658.99 0.17 6,068,796,886,179.60 0.23 582,196,227,782.33 0.12
10. KEPULAUAN RIAU 22,785,938,996,463.70 1.06 23,648,444,938,743.10 1.22 27,153,298,444,545.10 1.04 30,387,673,313,163.00 1.13 6,879,613,286,365.16 1.37
11. JAKARTA 464,501,709,083,112.00 21.56 399,151,129,341,981.00 20.67 429,924,032,664,141.00 16.50 531,708,345,423,764.00 19.78 114,243,160,461,085.00 22.80
12. JAWA BARAT 401,042,121,827,649.00 18.61 449,712,411,951,516.00 23.29 703,131,596,776,920.00 26.98 566,346,269,834,249.00 21.07 123,947,669,414,822.00 24.73
13. JAWA TENGAH 121,725,177,084,954.00 5.65 107,296,512,601,410.00 5.56 141,980,875,350,865.00 5.45 141,193,794,174,169.00 5.25 35,736,117,316,835.70 7.13
14. DIY 11,854,836,649,440.00 0.55 11,436,107,616,460.70 0.59 11,448,203,425,654.20 0.44 17,919,697,483,927.30 0.67 2,829,981,902,491.59 0.56
15. JAWA TIMUR 387,951,181,339,995.00 18.01 260,368,636,254,402.00 13.48 237,380,958,290,554.00 9.11 428,050,564,228,461.00 15.92 50,850,822,966,358.40 10.15
16. BANTEN 213,447,466,123,733.00 9.91 217,194,185,551,802.00 11.25 281,819,328,579,096.00 10.82 328,112,934,886,773.00 12.21 54,922,822,250,932.40 10.96
17. BALI 43,282,480,532,299.20 2.01 50,116,926,207,592.30 2.60 301,787,423,262,199.00 11.58 73,893,929,884,879.80 2.75 22,640,921,910,568.40 4.52
18. NUSA TENGGARA BARAT 3,077,047,054,149.34 0.14 3,836,383,475,500.33 0.20 4,518,812,817,725.11 0.17 11,264,593,036,683.90 0.42 909,288,695,284.98 0.18
19. NUSA TENGGARA TIMUR 1,617,483,032,767.29 0.08 2,108,314,395,720.15 0.11 1,751,136,470,512.98 0.07 2,743,753,156,344.78 0.10 394,355,918,765.46 0.08
20. KALIMANTAN BARAT 7,209,974,391,744.74 0.33 6,288,814,178,617.00 0.33 7,941,811,616,492.80 0.30 11,790,089,041,754.30 0.44 490,115,703,858.68 0.10
21. KALIMANTAN TENGAH 12,214,732,033,229.00 0.57 11,780,711,832,551.60 0.61 17,189,946,010,771.70 0.66 22,696,519,373,241.10 0.84 304,926,375,111.67 0.06
22. KALIMANTAN SELATAN 28,151,320,447,496.90 1.31 14,607,685,305,615.70 0.76 37,104,477,399,895.20 1.42 17,162,099,676,080.10 0.64 7,096,107,359,708.85 1.42
23. KALIMANTAN TIMUR 75,544,577,879,790.50 3.51 68,592,601,941,006.50 3.55 65,827,350,525,409.70 2.53 52,687,209,790,626.40 1.96 11,763,641,735,131.70 2.35
24. SULAWESI UTARA 20,475,241,127,098.30 0.95 11,198,365,054,549.50 0.58 16,568,658,936,005.30 0.64 14,917,784,138,481.30 0.55 2,291,081,855,946.92 0.46
25. SULAWESI TENGAH 2,234,831,075,451.70 0.10 2,113,379,896,386.25 0.11 4,184,131,470,697.59 0.16 3,599,334,941,830.73 0.13 2,104,338,920,152.37 0.42
26. SULAWESI SELATAN 24,508,942,520,664.60 1.14 26,708,791,622,795.70 1.38 27,529,740,570,200.40 1.06 90,455,221,307,121.20 3.37 7,721,022,935,268.02 1.54
27. SULAWESI TENGGARA 9,114,245,475,615.48 0.42 9,050,080,341,377.57 0.47 1,521,959,535,093.63 0.06 17,873,472,932,641.60 0.66 975,672,830,461.00 0.19
28. GORONTALO 12,799,702,686,629.60 0.59 14,066,940,771,299.70 0.73 2,120,342,428,357.58 0.08 2,498,949,922,224.40 0.09 230,375,284,948.23 0.05
29. SULAWESI BARAT 953,016,177,663.56 0.04 1,119,431,627,504.72 0.06 1,286,900,043,154.22 0.05 2,964,194,977,560.09 0.11 287,242,868,284.00 0.06
30. MALUKU 1,012,162,473,294.66 0.05 1,294,838,879,671.43 0.07 1,834,818,640,495.64 0.07 2,177,073,886,117.51 0.08 859,816,826,199.76 0.17
31. MALUKU UTARA 599,594,466,006.82 0.03 839,309,120,352.22 0.04 538,208,280,758.84 0.02 844,564,769,178.50 0.03 209,433,216,129.24 0.04
32. PAPUA BARAT 2,191,055,888,141.29 0.10 3,445,075,692,356.94 0.18 2,612,323,243,092.17 0.10 2,861,725,100,454.56 0.11 506,878,796,805.58 0.10
33. PAPUA 3,526,473,596,439.34 0.16 3,605,986,426,176.26 0.19 3,859,826,598,396.27 0.15 5,585,293,303,963.16 0.21 2,019,823,375,162.99 0.40
T OT AL 2,154,508,565,599,000.00 100.00 1,931,209,404,232,100.00 100.00 2,605,650,673,277,120.00 100.00 2,688,065,075,386,840.00 100.00 501,167,234,303,051.00 100.00
16

National Aggregate Exposure By Class Construction
As At 30/06/2015
Tab le 2.5 In IDR
U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Class Construction
Com: Steel‎, ‎Wood‎, ‎RC‎‎≤‎‎‎9 1,856,579,576,097,000.00 86.17 1,696,734,961,739,510.00 87.86 2,389,232,839,374,460.00 91.69 2,360,924,486,258,620.00 87.83 435,100,061,566,000.00 86.82
‎sCom:
toreys
Steel‎, ‎Wood‎, ‎RC‎‎> ‎9 264,191,573,915,759.00 12.26 194,566,317,263,428.00 10.07 176,223,698,370,485.00 6.76 272,462,996,526,647.00 10.14 50,453,295,548,269.70 10.07
s‎Com:
toreys
Others 947,295,810,660.85 0.04 5,131,225,502,192.94 0.27 4,717,908,330,733.24 0.18 1,391,786,365,416.91 0.05 174,319,462,690.42 0.03
DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3 32,717,118,713,398.10 1.52 34,705,856,085,887.70 1.80 35,436,947,072,061.00 1.36 53,169,531,422,103.10 1.98 15,416,612,920,180.80 3.08
‎sDW:
toreys
‎Others 73,001,062,189.00 0.003 71,043,641,075.00 0.00 39,280,129,388.00 0.00 116,274,814,055.00 0.00 22,944,805,910.00 0.00
T OT AL 2,154,508,565,599,000.00 100.00 1,931,209,404,232,100.00 100.00 2,605,650,673,277,120.00 100.00 2,688,065,075,386,850.00 100.00 501,167,234,303,051.00 100.00
DEFINISI Konstruksi
Commercial Objek pertanggungan dengan kode okupasi selain rumah tinggal (Kode Okupasi selain 2976)
Com: Steel, Wood, RC ≤ 9 Konstruksi bangunan menggunakan rangka Baja, Kayu, Beton Bertulang, dengan jumlah lantai sampai dengan 9 lantai
Com: Steel, Wood, RC > 9 Konstruksi bangunan menggunakan rangka Baja, Kayu, Beton Bertulang, dengan jumlah lantai lebih dari 9 lantai
Com: Others Konstruksi bangunan tanpa menggunakan rangka Baja, Kayu, dan Beton Bertulang
Dwelling House Objek pertanggungan rumah tinggal dengan kode okupasi 2976 (Semua kelas konstruksi)
DW: Steel, Wood, RC Konstruksi rumah tinggal yang menggunakan rangka Baja, Kayu, Beton Bertulang
DW: Others Konstruksi rumah tinggal tanpa menggunakan rangka Baja, Kayu,dan Beton Bertulang
17

National Aggregate Exposure By Class Construction
As at 30 Jun 2015
(in Billion IDR)
Com: Steel, Wood, RC ≤ 9 storeys, 1,856,579,576.10 Com: Steel, Wood, RC ≤ 9 storeys, 2,389,232,839.37
Com: Steel, Wood, RC ≤ 9 storeys, 1,696,734,961.74
Com: Steel, Wood, RC > 9 storeys,

DW: Others, 194,566,317.26 Com: Steel, Wood, RC > 9 storeys,
73,001.06 176,223,698.37
Com: Others, Com: Steel, Wood, RC > 9 storeys, Com: Others,

DW: Steel, Wood, RC
947,295.81 264,191,573.92 Com: Others, 4,717,908.33
up to 3 storeys,
32,717,118.71 5,131,225.50
UY 2011 UY 2013 DW: Others, 39,280.13
DW: Others, 71,043.64 DW: Steel, Wood, DW: Steel, Wood, RC
RC up to 3 storeys, up to 3 storeys,
34,705,856.09 35,436,947.07
Com: Steel, Wood, RC ≤ 9 storeys,
2,360,924,486.26
Com: Steel, Wood, RC ≤ 9 storeys, 435,100,061.57

UY 2012
DW: Others,
116,274.81
DW: ‎Others,
Com: Others, Com:
DW: Steel, Wood, RC 22,944.81
1,391,786.37 Steel, Wood, RC > 9 storeys,
up to 3 storeys,
272,462,996.53
53,169,531.42 Com:
Steel, Wood, RC > 9 storeys,
50,453,295.55
DW: Steel, Wood, RC up Com: Others,
to 3 storeys, 15,416,612.92 174,319.46
UY 2014 UY 2015
18

National Gross Premium By Cresta Zone
As At 30/06/2015
Tab le 3.1 in IDR
U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Cresta Zone
BANDA ACEH 1.1 7,616,473,677.40 0.27 7,270,770,334.31 0.27 8,671,562,333.13 0.20 12,949,221,282.71 0.31 892,159,151.80 0.12
MEDAN 1.2 54,849,290,878.55 1.94 49,028,982,214.66 1.85 64,410,152,058.01 1.51 74,452,259,838.90 1.75 20,193,346,385.75 2.69
OTHERS 1.3 132,329,486,203.50 4.69 52,543,554,383.44 1.99 75,573,831,958.97 1.78 80,740,535,366.22 1.90 8,615,166,286.85 1.15
NORTH SUMATERA 1 194,795,250,759.45 6.90 108,843,306,932.41 4.11 148,655,546,350.11 3.50 168,142,016,487.83 3.96 29,700,671,824.40 3.96
PADANG 2.1 30,870,980,180.28 1.09 35,565,026,539.09 1.34 52,062,491,084.77 1.22 56,678,295,511.21 1.34 7,940,483,158.30 1.06
PALEMBANG 2.2 14,648,819,921.46 0.52 17,692,460,684.60 0.67 24,281,721,017.51 0.57 20,556,779,467.85 0.48 3,074,991,420.39 0.41
OTHERS 2.3 136,969,849,762.64 4.85 155,605,893,467.28 5.88 194,190,187,501.83 4.57 240,857,497,050.15 5.68 37,996,586,002.77 5.07
SOUTH SUMATERA 2 182,489,649,864.38 6.47 208,863,380,690.97 7.90 270,534,399,604.11 6.36 318,092,572,029.21 7.50 49,012,060,581.46 6.54
JAKARTA 3.1 669,813,175,934.73 23.74 598,194,044,611.17 22.61 693,093,334,110.39 16.30 890,739,103,076.03 20.99 181,367,105,417.01 24.19
BANDUNG 3.2 10,069,205,917.11 0.36 16,342,793,344.50 0.62 16,279,558,111.33 0.38 15,845,074,678.59 0.37 5,152,691,687.16 0.69
OTHERS 3.3 837,246,086,303.36 29.68 954,203,812,153.42 36.07 1,664,240,419,693.57 39.14 1,523,384,506,403.11 35.91 282,395,849,964.38 37.67
WEST JAVA 3 1,517,128,468,155.20 53.77 1,568,740,650,109.09 59.30 2,373,613,311,915.29 55.83 2,429,968,684,157.73 57.27 468,915,647,068.55 62.55
SEMARANG 4.1 7,986,696,304.55 0.28 8,721,154,566.99 0.33 11,545,367,381.18 0.27 8,451,156,211.20 0.20 1,158,646,719.82 0.15
YOGYAKARTA 4.2 15,336,936,026.90 0.54 14,027,570,399.90 0.53 13,260,675,808.26 0.31 21,074,808,625.71 0.50 3,398,558,663.44 0.45
OTHERS 4.3 146,322,144,818.04 5.19 128,289,542,295.50 4.85 185,359,588,031.05 4.36 195,796,480,313.85 4.61 44,821,354,617.15 5.98
CENTRAL JAVA 4 169,645,777,149.49 6.01 151,038,267,262.39 5.71 210,165,631,220.49 4.94 225,322,445,150.76 5.31 49,378,560,000.41 6.59
SURABAYA 5.1 110,500,306,327.69 3.92 64,104,661,224.53 2.42 48,078,486,375.47 1.13 108,272,703,197.61 2.55 23,796,751,706.18 3.17
OTHERS 5.2 360,789,369,393.49 12.79 259,614,064,847.87 9.81 281,458,633,926.23 6.62 512,797,353,232.03 12.09 46,794,268,170.66 6.24
EAST JAVA 5 471,289,675,721.18 16.70 323,718,726,072.40 12.24 329,537,120,301.70 7.75 621,070,056,429.64 14.64 70,591,019,876.84 9.42
KALIMANTAN 6 103,644,783,974.23 3.67 93,648,111,530.21 3.54 133,396,548,264.96 3.14 110,375,638,021.44 2.60 19,367,525,479.25 2.58
UJUNG PANDANG 7.1 9,478,927,946.13 0.34 9,898,401,546.96 0.37 14,160,625,142.90 0.33 24,461,587,772.60 0.58 3,325,115,249.15 0.44
OTHERS 7.2 93,690,275,855.82 3.32 82,540,150,406.55 3.12 63,648,397,236.51 1.50 177,246,688,297.98 4.18 15,191,585,268.44 2.03
SULAWESI 7 103,169,203,801.95 3.66 92,438,551,953.51 3.49 77,809,022,379.41 1.83 201,708,276,070.58 4.75 18,516,700,517.59 2.47
OTHER ISLANDS 8 79,159,595,116.55 2.81 98,098,640,829.61 3.71 708,124,986,197.93 16.65 167,970,999,816.88 3.96 44,217,289,235.14 5.90
T OT AL 2,821,322,404,542.43 100.00 2,645,389,635,380.59 100.00 4,251,836,566,234.00 100.00 4,242,650,688,164.07 100.00 749,699,474,583.64 100.00
19

National Gross Premium By Cresta Zone
As at 30 Jun 2015
(in Billion IDR)
270,534.40
182,489.65 148,655.55
1,517,128.47
1,568,740.65
194,795.25 708,124.99
2,373,613.31
79,159.60
103,169.20
77,809.02
103,644.78 208,863.38
133,396.55
108,843.31
98,098.64 329,537.12
151,038.27
471,289.68
169,645.78 92,438.55
210,165.63
93,648.11
323,718.73
UY 2011 UY 2013
UY 2012
49,378.56 70,591.02
2,429,968.68
18,516.70
19,367.53
North Sumatera 44,217.29
South Sumatera 29,700.67

318,092.57
West Java
49,012.06
168,142.02
Central Java
167,971.00 East Java 468,915.65
225,322.45 Kalimantan
201,708.28
Sulawesi
110,375.64
621,070.06 Other Islands
UY 2015
UY 2014
20

National Gross Premium By Occupation
As At 30/06/2015
in IDR
Table 3.2
U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Occupation
AGRICULTURAL A 23,897,315,368.61 0.85 29,419,229,652.86 1.11 34,917,831,995.79 0.82 24,913,072,274.44 0.59 2,213,841,234.19 0.30
COMMERCIAL C 758,200,033,083.93 26.87 646,139,753,626.54 24.43 1,714,074,272,679.52 40.31 918,279,907,201.54 21.64 211,342,544,879.01 28.19
INDUSTRIAL I 1,696,811,048,866.14 60.14 1,623,908,958,082.86 61.39 2,028,735,955,272.71 47.71 2,679,945,456,394.16 63.17 409,408,218,483.81 54.61
RESIDENTIAL R 342,414,007,223.76 12.14 345,921,694,018.32 13.08 474,108,506,285.99 11.15 619,512,252,293.91 14.60 126,734,869,986.60 16.90
T OT AL 2,821,322,404,542.44 100.00 2,645,389,635,380.58 100.00 4,251,836,566,234.01 100.00 4,242,650,688,164.05 100.00 749,699,474,583.61 100.00
21

As at 30 Jun 2015
( In Billion IDR )
Industrial, Industrial,
1,358,267,696.55 1,317,498,327.92
Industrial,
1,225,238,409.05
Commercial,
317,218,829.45
Residential, Agricultural,
Commercial, 232,487,528.17 25,720,200.43
Commercial, 230,100,851.53
Agricultural, 452,326,550.89
UY 2011 20,170,306.79 UY 2013
Agricultural,
23,543,592.77
Industrial,
1,684,181,022.05 UY 2012 Industrial,
276,039,374.57
Residential,
387,137,017.14 Residential, 83,737,742.67
Commercial, 139,793,099.01
Commercial,
Agricultural, Agricultural,
597,476,872.88
19,270,163.31 1,597,018.05
UY 2014
UY 2015
22

National Gross Premium By Province
As At 30/06/2015
Tab le 3.4
In IDR
U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Province
01. NAD 87,633,935,480.81 3.11 12,339,609,702.98 0.47 16,000,089,081.17 0.38 20,609,783,323.99 0.49 4,080,010,889.93 0.54
02. SUMATERA UTARA 107,161,315,278.64 3.80 96,503,697,229.43 3.65 132,655,457,268.94 3.12 147,532,233,163.83 3.48 25,620,660,934.47 3.42
03. SUMATERA BARAT 41,474,958,579.02 1.47 48,233,293,860.42 1.82 70,756,638,221.95 1.66 77,752,878,894.61 1.83 11,061,908,127.01 1.48
04. RIAU 35,256,215,244.00 1.25 35,116,440,154.63 1.33 57,032,212,594.66 1.34 65,456,663,285.11 1.54 10,915,939,574.32 1.46
05. JAMBI 8,038,465,820.08 0.28 10,792,361,697.51 0.41 12,415,466,743.59 0.29 12,835,067,200.00 0.30 2,065,719,898.33 0.28
06. SUMATERA SELATAN 31,570,394,331.29 1.12 42,553,796,688.77 1.61 47,618,834,510.66 1.12 54,363,982,437.68 1.28 5,819,862,986.69 0.78
07. BENGKULU 7,255,605,295.58 0.26 8,246,317,200.13 0.31 9,816,378,489.19 0.23 11,308,556,281.71 0.27 1,982,852,075.15 0.26
08. LAMPUNG 37,249,898,677.14 1.32 39,937,679,016.11 1.51 40,697,993,284.28 0.96 58,305,588,868.68 1.37 9,786,272,322.92 1.31
09. KEP BANGKA-BELITUNG 2,757,422,298.01 0.10 3,395,498,865.56 0.13 4,399,197,760.16 0.10 5,927,025,417.45 0.14 564,203,690.76 0.08
10. KEPULAUAN RIAU 18,886,689,619.28 0.67 20,587,993,207.84 0.78 27,797,677,999.64 0.65 32,142,809,643.98 0.76 6,815,301,906.27 0.91
11. JAKARTA 669,813,175,934.73 23.74 598,194,044,611.17 22.61 693,093,334,110.39 16.30 890,739,103,076.03 20.99 181,367,105,417.01 24.19
12. JAWA BARAT 549,928,012,533.25 19.49 652,119,622,168.56 24.65 1,201,212,083,152.70 28.25 960,048,952,405.69 22.63 198,011,912,951.79 26.41
13. JAWA TENGAH 151,888,826,113.28 5.38 133,697,602,983.98 5.05 192,446,830,337.54 4.53 197,433,204,350.41 4.65 45,031,546,624.69 6.01
14. DIY 17,756,951,036.21 0.63 17,340,664,278.42 0.66 17,718,800,882.95 0.42 27,889,240,800.34 0.66 4,347,013,375.71 0.58
15. JAWA TIMUR 471,289,675,721.19 16.70 323,718,726,072.40 12.24 329,537,120,301.70 7.75 621,070,056,429.64 14.64 70,591,019,876.83 9.42
16. BANTEN 297,387,279,687.22 10.54 318,426,983,329.37 12.04 479,307,894,652.20 11.27 579,180,628,676.02 13.65 89,536,628,699.75 11.94
17. BALI 60,357,067,500.68 2.14 72,955,767,038.10 2.76 681,052,832,813.72 16.02 121,227,503,161.89 2.86 35,744,922,028.96 4.77
18. NUSA TENGGARA BARAT 5,152,954,498.64 0.18 7,087,522,827.65 0.27 8,803,236,498.45 0.21 21,598,527,274.20 0.51 1,615,570,548.83 0.22
19. NUSA TENGGARA TIMUR 2,433,951,389.85 0.09 3,237,699,303.25 0.12 2,811,438,143.35 0.07 4,536,858,829.59 0.11 618,427,489.42 0.08
20. KALIMANTAN BARAT 6,292,796,630.20 0.22 5,585,406,508.55 0.21 7,697,153,563.11 0.18 11,747,928,642.44 0.28 455,336,031.89 0.06
21. KALIMANTAN TENGAH 10,262,245,474.31 0.36 10,662,231,788.53 0.40 17,818,984,376.90 0.42 23,437,652,588.32 0.55 285,040,359.44 0.04
22. KALIMANTAN SELATAN 23,762,331,278.15 0.84 13,300,017,057.15 0.50 37,466,701,388.96 0.88 18,451,109,369.07 0.43 6,422,796,819.75 0.86
23. KALIMANTAN TIMUR 63,327,410,591.57 2.24 64,100,456,175.97 2.42 70,413,708,935.99 1.66 56,738,947,421.61 1.34 12,204,352,268.18 1.63
24. SULAWESI UTARA 37,726,468,368.21 1.34 21,023,484,666.00 0.79 34,273,037,525.63 0.81 30,876,898,508.27 0.73 4,401,661,267.75 0.59
25. SULAWESI TENGAH 3,453,309,420.21 0.12 3,327,226,990.16 0.13 6,867,207,802.25 0.16 6,112,014,026.74 0.14 3,555,642,431.78 0.47
26. SULAWESI SELATAN 24,634,050,796.95 0.87 27,691,959,517.82 1.05 28,396,199,459.62 0.67 127,859,578,638.06 3.01 8,265,713,882.66 1.10
27. SULAWESI TENGGARA 10,519,505,924.99 0.37 10,819,930,441.97 0.41 2,279,641,062.89 0.05 27,498,946,542.37 0.65 1,415,979,324.98 0.19
28. GORONTALO 25,429,339,114.68 0.90 27,899,410,999.48 1.05 4,065,456,398.12 0.10 4,905,177,788.98 0.12 448,234,484.52 0.06
29. SULAWESI BARAT 1,406,530,176.92 0.05 1,676,539,338.07 0.06 1,927,480,130.89 0.05 4,455,660,566.16 0.11 429,469,125.90 0.06
30. MALUKU 1,761,141,005.57 0.06 2,361,244,475.46 0.09 3,455,919,928.49 0.08 4,242,062,725.97 0.10 1,631,640,570.44 0.22
31. MALUKU UTARA 1,055,956,776.04 0.04 1,480,820,184.17 0.06 1,040,331,975.79 0.02 1,653,435,655.74 0.04 406,110,547.80 0.05
32. PAPUA BARAT 3,177,814,430.49 0.11 5,138,537,640.92 0.19 4,219,806,774.84 0.10 4,694,917,611.28 0.11 788,121,868.52 0.11
33. PAPUA 5,220,709,515.28 0.19 5,837,049,360.06 0.22 6,741,420,063.30 0.16 10,017,694,558.21 0.24 3,412,496,181.17 0.46
T OT AL 2,821,322,404,542.47 100.00 2,645,389,635,380.59 100.00 4,251,836,566,234.02 100.00 4,242,650,688,164.07 100.00 749,699,474,583.62 100.00
23

National Gross Premium By Class Construction
As At 30/06/2015
in IDR
Tab le 3.5
U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Class Construction
Com:‎Steel,‎Wood,‎RC‎≤‎9 2,384,154,318,674.75 84.50 2,280,990,053,904.31 86.23 3,903,188,186,063.03 91.80 3,691,987,105,848.18 87.02 645,915,437,667.36 86.16
Com: Steel, Wood, RC > 9 392,241,038,275.69 13.90 310,752,411,244.27 11.75 293,198,811,160.08 6.90 475,221,321,335.05 11.20 82,352,755,334.91 10.98
Com: Others 1,759,846,644.28 0.06 7,722,471,413.19 0.29 7,779,732,373.47 0.18 2,909,311,683.91 0.07 368,463,903.86 0.05
DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3 ‎s toreys 43,002,828,958.58 1.52 45,758,363,723.03 1.73 47,563,123,197.75 1.12 72,152,941,718.11 1.70 20,987,266,218.72 2.80
DW: ‎Others 164,371,989.15 0.01 166,335,095.78 0.01 106,713,439.67 0.00 380,007,578.80 0.01 75,551,458.76 0.01
T OT AL 2,821,322,404,542.45 100.00 2,645,389,635,380.58 100.00 4,251,836,566,234.00 100.00 4,242,650,688,164.05 100.00 749,699,474,583.61 100.00
DEFINISI Konstruksi
24

National Gross Premium By Class Construction
As at 30 Jun 2015
(in Billion IDR)
Com: Steel, Wood, RC ≤ 9, 2,384,154.32 Com: Steel, Wood, RC ≤ 9, 3,903,188.19
Com: Steel, Wood, RC ≤ 9,

2,280,990.05
DW: Steel, Wood, RC up

to 3 storeys, 43,002.83
Com: Others, 7,779.73

DW: Others,
164.37 Com: Steel, Wood, RC > 9, 293,198.81
DW: Others, 106.71
Com: Others, DW: Others,
1,759.85 166.34
Com: Steel, Wood, RC > 9,
392,241.04
UY 2011 Com: Others, UY 2013
7,722.47 Com: Steel, Wood,
to 3 storeys, 47,563.12
RC > 9, 310,752.41
to 3 storeys, 45,758.36
Com: Steel, Wood, RC ≤ 9, 3,691,987.11

Com: Steel, Wood, RC ≤ 9, 645,915.44
UY 2012
DW: Others, 380.01 Com: Steel, Wood,

RC > 9, 475,221.32
DW: Others, 75.55
Com: Steel, Wood,
RC > 9, 82,352.76
Com: Others,
2,909.31 DW: Steel, Wood, RC UY 2015
to 3 storeys, 72,152.94 UY 2014
up to 3 storeys, Com: Others, 368.46
20,987.27
25

Number Of Risk By Cresta Zone
As At 30/06/2015
Table 4.1
U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Cresta Zone
BANDA ACEH 1.1 518 0.31% 588 0.34% 605 0.32% 600 0.28% 158 0.32%
MEDAN 1.2 5,777 3.48% 6,002 3.47% 6,598 3.50% 7,330 3.47% 1,972 4.03%
OTHERS 1.3 4,491 2.71% 4,654 2.69% 3,910 2.07% 5,002 2.37% 880 1.80%
NORTH SUMATERA 1 10,786 6.50% 11,244 6.50% 11,113 5.90% 12,932 6.12% 3,010 6.14%
PADANG 2.1 9,869 5.95% 10,638 6.15% 10,653 5.65% 12,344 5.84% 3,939 8.04%
PALEMBANG 2.2 1,443 0.87% 1,533 0.89% 1,873 0.99% 1,883 0.89% 326 0.67%
OTHERS 2.3 16,565 9.98% 17,378 10.04% 17,897 9.49% 21,194 10.03% 4,776 9.75%
SOUTH SUMATERA 2 27,877 16.80% 29,549 17.07% 30,423 16.14% 35,421 16.76% 9,041 18.46%
JAKARTA 3.1 38,645 23.29% 36,236 20.93% 47,625 25.27% 48,501 22.94% 10,593 21.63%
BANDUNG 3.2 1,147 0.69% 1,986 1.15% 2,123 1.13% 2,037 0.96% 820 1.67%
OTHERS 3.3 34,085 20.54% 36,684 21.19% 38,777 20.57% 46,679 22.08% 11,247 22.96%
WEST JAVA 3 73,877 44.52% 74,906 43.27% 88,525 46.96% 97,217 45.99% 22,660 46.26%
SEMARANG 4.1 669 0.40% 803 0.46% 916 0.49% 970 0.46% 157 0.32%
YOGYAKARTA 4.2 2,155 1.30% 2,309 1.33% 2,188 1.16% 2,538 1.20% 635 1.30%
OTHERS 4.3 9,711 5.85% 10,322 5.96% 10,492 5.57% 14,155 6.70% 3,492 7.13%
CENTRAL JAVA 4 12,535 7.55% 13,434 7.76% 13,596 7.21% 17,663 8.36% 4,284 8.75%
SURABAYA 5.1 6,063 3.65% 6,180 3.57% 6,240 3.31% 6,110 2.89% 1,474 3.01%
OTHERS 5.2 7,287 4.39% 7,802 4.51% 8,384 4.45% 11,194 5.30% 1,564 3.19%
EAST JAVA 5 13,350 8.05% 13,982 8.08% 14,624 7.76% 17,304 8.19% 3,038 6.20%
KALIMANTAN 6 5,727 3.45% 7,633 4.41% 7,055 3.74% 6,791 3.21% 917 1.87%
UJUNG PANDANG 7.1 1,851 1.12% 1,914 1.11% 2,058 1.09% 1,922 0.91% 428 0.87%
OTHERS 7.2 7,029 4.24% 6,206 3.59% 6,259 3.32% 6,117 2.89% 1,239 2.53%
SULAWESI 7 8,880 5.35% 8,120 4.69% 8,317 4.41% 8,039 3.80% 1,667 3.40%
OTHER ISLANDS 8 12,908 7.78% 14,229 8.22% 14,840 7.87% 16,015 7.58% 4,366 8.91%
TOTAL 165,940 100% 173,097 100% 188,493 100% 211,382 100% 48,983 100%
26

Number of Risk By Cresta Zone
As at 30 Jun 2015
100,000
90,000
80,000
UY 2011
70,000 UY 2012
UY 2013
60,000
UY 2014
50,000 UY 2015
40,000
30,000
20,000
10,000
0
North South West Java Central Java East Java Kalimantan Sulawesi Other
Sumatera Sumatera Islands
27

Number Of Risk By Occupation
As At 30/06/2015
Tab le 4.2
Occupation U/Y 2011 % U/Y 2012 % U/Y 2013 % U/Y 2014 % U/Y 2015 %
AGRICULTURAL A 379 0.23 420 0.24 482 0.26 420 0.20 59 0.12
COMMERCIAL C 91,426 55.10 94,389 54.53 100,292 53.21 109,009 51.57 20,377 41.60
INDUSTRIAL I 14,997 9.04 17,099 9.88 18,252 9.68 17,159 8.12 3,079 6.29
RESIDENTIAL R 59,138 35.64 61,189 35.35 69,467 36.85 84,794 40.11 25,468 51.99
TOTAL 165,940 100.00 173,097 100.00 188,493 100.00 211,382 100.00 48,983 100.00
28

Number of Risk By Occupation
As at 30 Jun 2015
Industrial,
14,997 Residential, 69,467 Agricultural, 482
Commercial,
91,426
Commercial,
94,389
Industrial,
17,099
Residential, Commercial, 100,292

59,138 Industrial, 18,252
Agricultural, 379
Residential,
61,189
UY 2011 Agricultural, 420
UY 2013
Industrial, 3,079
Commercial,
109,009
UY 2012 Residential, 25,468

Industrial, 17,159
Commercial, 20,377
Agricultural, 420 Residential, 84,794
Agricultural, 59
UY 2014 UY 2015
29

Number Of Risk By Class Construction
As At 30/06/2015
Tab le 4.3
Class Construction U/Y 2011 % U/Y 2012 % U/Y 2013 % U/Y 2014 % U/Y 2015 %
Com:‎Steel,‎Wood,‎RC‎≤‎9 121,236 73.06 121,689 70.30 139,099 73.80 144,726 68.47 32,654 66.66
Com: Steel, Wood, RC > 9 4,312 2.60 5,613 3.24 5,220 2.77 18,074 8.55 1,582 3.23
Com: Others 4,436 2.67 10,409 6.01 10,109 5.36 1,639 0.78 220 0.45
DW: ‎Steel‎, ‎Wood‎, ‎RC up to ‎3 ‎s toreys 35,795 21.57 35,211 20.34 33,969 18.02 46,645 22.07 14,450 29.50
DW: ‎Others 161 0.10 175 0.10 96 0.05 298 0.14 77 0.16
TOTAL 165,940 100.00 173,097 100.00 188,493 100.00 211,382 100.00 48,983 100.00
DEFINISI Konstruksi
30

Number of Risk By Class Construction
As at 30 Jun 2015
Com: Steel, Wood, RC > 9, 4,312

Com: Steel, Wood, RC ≤ 9, 139,099
Com: Others , 4,436 Com: Others , 10,409

Com: Steel, Wood, RC > 9, 5,613

DW: Steel, Wood, RC up to 3 storeys, 35,211
to 3 storeys, 35,795
Com: Steel, Wood, RC ≤ 9, 121,236 DW: Others , 175 DW: Steel, Wood, RC
up to 3 storeys, Com: Steel, Wood, RC > 9, 5,220
33,969
Com: Steel, Wood, RC ≤ 9, 121,689 DW: Others , 96
DW: Others , 161 Com: Others , 10,109

UY 2011 UY 2013
Com: Steel, Wood,

RC > 9, 18,074 Com: Steel, Wood,
Com: Others , Com: Steel, Wood, RC ≤ 9, 32,654 RC > 9, 1,582
1,639 Com: Others , 220
UY 2012
Com: Steel, Wood, RC ≤ 9, 144,726 DW: Steel, Wood, RC up

to 3 storeys, 46,645
DW: Steel, Wood, RC
up to 3 storeys, 14,450
DW: Others , 298
DW: Others , 77
UY 2014 UY 2015
31

Claim Frequency by Cresta Zone
As At 30/06/2015
Table 5.1
U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
Cresta Zone
BANDA ACEH 1.1 4 5% 6 40% 1 2% 0 0% 0 0%

MEDAN 1.2 8 9% 2 13% 0 0% 0 0% 0 0%
OTHERS 1.3 2 2% 0 0% 0 0% 0 0% 0 0%
NORTH SUMATERA 1 14 16% 8 53% 1 2% 0 0% 0 0%
PADANG 2.1 5 6% 0 0% 1 2% 1 11% 0 0%
PALEMBANG 2.2 0 0% 0 0% 0 0% 0 0% 0 0%
OTHERS 2.3 8 9% 1 7% 1 2% 0 0% 0 0%
SOUTH SUMATERA 2 13 15% 1 7% 2 4% 1 11% 0 0%
JAKARTA 3.1 0 0% 0 0% 0 0% 0 0% 0 0%
BANDUNG 3.2 1 1% 0 0% 1 2% 0 0% 0 0%
OTHERS 3.3 1 1% 1 7% 0 0% 0 0% 0 0%
WEST JAVA 3 2 2% 1 7% 1 2% 0 0% 0 0%
SEMARANG 4.1 0 0% 0 0% 0 0% 0 0% 0 0%
YOGYAKARTA 4.2 0 0% 0 0% 5 9% 0 0% 0 0%
OTHERS 4.3 0 0% 0 0% 6 11% 0 0% 0 0%
CENTRAL JAVA 4 0 0% 0 0% 11 19% 0 0% 0 0%
SURABAYA 5.1 0 0% 0 0% 0 0% 0 0% 0 0%
OTHERS 5.2 0 0% 0 0% 39 68% 3 33% 0 0%
EAST JAVA 5 0 0% 0 0% 39 68% 3 33% 0 0%
KALIMANTAN 6 0 0% 0 0% 0 0% 0 0% 0 0%
UJUNG PANDANG 7.1 0 0% 0 0% 0 0% 0 0% 0 0%
OTHERS 7.2 1 1% 2 13% 0 0% 3 33% 0 0%
SULAWESI 7 1 1% 2 13% 0 0% 3 33% 0 0%
OTHER ISLANDS 8 57 66% 3 20% 3 5% 2 22% 0 0%
TOTAL 87 100% 15 100% 57 100% 9 100% 0 0%
32

Claim Frequency By Cresta Zone
As at 30 June 2015
60 57
50
North Sumatera
39 South Sumatera
40
West Java
Central Java
30 East Java
Kalimantan
Sulawesi
20
1413 Other Islands
11
10 8
3 3 3 3
2 2
0 00 1 11 0 0 0 1 2 1 0 0 0
1
0 0 0
2
0 0 0 0 0 0 00
0
UY 2011 UY 2012 UY 2013 UY 2014 UY 2015
33

Claim Frequency by Occupation
As At 30/06/2015
Tab le 5.2
Occupation U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
AGRICULTURAL A 0 0 0 0 0
COMMERCIAL C 62 14 45 7 0
INDUSTRIAL I 0 0 5 0 0
RESIDENTIAL R 25 1 7 2 0
TOTAL 87 15 57 9 0
34

1867 58 108 11
Claim Frequency By Occupation

As at 30 June 2015
70
62
60
Agricultural
50 45
Commercial
40
Industrial
30 25
Residential
20 14
7 7
10 5
2
0 0 1 0 0 0 0 0 0 0
0 0
0
UY 2011 UY 2012 UY 2013 UY 2014 UY 2015
35

Claim by Cresta Zone
As At 30/06/2015
Tab le 5.4 In IDR
Cresta Zone U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015
BANDA ACEH 1.1 363,816,500.00 5.47 1,430,714,900.00 83.15 20,985,349.73 0.01 0.00 0.00 0.00 0.00
MEDAN 1.2 96,659,672.63 1.45 14,936,201.00 0.87 0.00 0.00 0.00 0.00 0.00 0.00
OTHERS 1.3 156,092,898.00 2.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NORTH SUMATERA 1 616,569,070.63 9.26 1,445,651,101.00 84.02 20,985,349.73 0.01 0.00 0.00 0.00 0.00
PADANG 2.1 29,390,800.00 0.44 0.00 0.00 6,706,092.35 0.00 16,000,000.00 1.23 0.00 0.00
PALEMBANG 2.2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
OTHERS 2.3 2,960,841,000.00 44.49 50,000,000.00 2.91 3,995,032.99 0.00 0.00 0.00 0.00 0.00
SOUTH SUMATERA 2 2,990,231,800.00 44.93 50,000,000.00 2.91 10,701,125.34 0.00 16,000,000.00 1.23 0.00 0.00
JAKARTA 3.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
BANDUNG 3.2 67,353,075.00 1.01 0.00 0.00 22,495,295.61 0.01 0.00 0.00 0.00 0.00
OTHERS 3.3 7,100,000.00 0.11 17,438,200.00 1.01 0.00 0.00 0.00 0.00 0.00 0.00
WEST JAVA 3 74,453,075.00 1.12 17,438,200.00 1.01 22,495,295.61 0.01 0.00 0.00 0.00 0.00
SEMARANG 4.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
YOGYAKARTA 4.2 0.00 0.00 0.00 0.00 1,500,455,237.19 0.49 0.00 0.00 0.00 0.00
OTHERS 4.3 0.00 0.00 0.00 0.00 29,104,464,265.10 9.45 0.00 0.00 0.00 0.00
CENTRAL JAVA 4 0.00 0.00 0.00 0.00 30,604,919,502.29 9.93 0.00 0.00 0.00 0.00
SURABAYA 5.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
OTHERS 5.2 0.00 0.00 0.00 0.00 277,370,076,854.07 90.04 111,029,676.05 8.56 0.00 0.00
EAST JAVA 5 0.00 0.00 0.00 0.00 277,370,076,854.07 90.04 111,029,676.05 8.56 0.00 0.00
KALIMANTAN 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
UJUNG PANDANG 7.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
OTHERS 7.2 6,662,800.00 0.10 77,942,400.00 4.53 0.00 0.00 820,076,625.00 63.20 0.00 0.00
SULAWESI 7 6,662,800.00 0.10 77,942,400.00 4.53 0.00 0.00 820,076,625.00 63.20 0.00 0.00
OTHER ISLANDS 8 2,967,135,986.70 44.58 129,510,279.54 7.53 33,394,667.96 0.01 350,410,000.00 27.01 0.00 0.00
TOTAL 6,655,052,732.33 100.00 1,720,541,980.54 100.00 308,062,572,795.00 100.00 1,297,516,301.05 100.00 0.00 0.00
36

Claim By Cresta Zone
As at 30 June 2015
( In Million IDR )
West Java, 74.45 East Java, 0.00
Kalimantan, 0.00
Sulawesi, 6.66
East Java,
Central Java, 0.00 277,370.08
South Sumatera,
2,990.23
North Sumatera, 1,445.65
Other Islands,
33.39
South Sumatera,
Other Islands, 2,967.14
North Sumatera, 10.70
616.57 Central Java,
30,604.92
South Sumatera, 50.00 West Java, 22.50
Other Islands, 129.51 North Sumatera,
Central Java, 0.00 Sulawesi, 77.94 20.99 UY 2013
UY 2011 Kalimantan, 0.00
Sulawesi, 0.00
East Java, 0.00
West Java, 17.44
Kalimantan, 0.00
UY 2012
Sulawesi, 820.08
East Java, 111.03 Sulawesi, 0.00

Central Java, 0.00
Other Islands, 0.00 West Java, 0.00
South Sumatera, 16.00
South Sumatera, 0.00
West Java, 0.00 East Java, 0.00
Central Java, 0.00 Kalimantan, 0.00 Kalimantan, 0.00
Other Islands, 350.41 UY 2015
UY 2014
37

Claim by Occupation
As At 30/06/2015
Table 5.5 In IDR
Occupation U/Y 2011 U/Y 2012 U/Y 2013 U/Y 2014 U/Y 2015

AGRICULTURAL A 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
COMMERCIAL C 6,375,313,072.29 95.80 1,670,541,980.54 97.09 306,212,972,292.31 99.40 1,228,599,676.05 94.69 0.00 0.00
INDUSTRIAL I 0.00 0.00 0.00 0.00 1,750,356,290.96 0.57 0.00 0.00 0.00 0.00
RESIDENTIAL R 279,739,660.04 4.20 50,000,000.00 2.91 99,244,211.73 0.03 68,916,625.00 5.31 0.00 0.00
TOTAL 6,655,052,732.33 100.00 1,720,541,980.54 100.00 308,062,572,795.00 100.00 1,297,516,301.05 100.00 0.00 0.00
38

Claim By Occupation
Commercial
As at 30 June 2015
95.80%
Commercial
99.40%
Commercial
97.09%
Industrial
0.57%
Agricultural
0.00%
Industrial Residential Agricultural
Residential 0.00% 0.03% 0.00%
4.20%
UY 2013
Industrial Agricultural
UY 2011 0.00% 0.00%
Residential
2.91%
UY 2012
Commercial
94.69%
Industrial
0.00%
Agricultural
Industrial 0.00%
Agricultural Commercial 0.00%
0.00% 0.00% Residential
Residential 0.00%
5.31%
UY 2014
UY 2015
39

PT. Reasuransi MAIPARK Indonesia
RISK & LOSS PROFILE

As At 30/06/2015
UNDERWRTING YEAR :2011 -2015
PROCESSING DATE 27/07/2015

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

NUMBER OF RISK CLAIM FREQUENCY LOSS RATIO
(in million Rp) (In million Rp) (In million Rp)
BAND
PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGE
F Rp F
FROM TO f BAND CUM rp BAND CUM f BAND CUM rp Rp‎‎‎‎‎‎‎‎‎‎‎‎∑(p) BAND CUM BAND CUM
∑(d) ∑(h) ∑(l)
(d)/∑(d) ∑(f) (i)/∑(i) ∑(j) (m)/∑(m) ∑(n) (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 69,277.00 69,277.00 8.79 8.79 2,636.63 2,636.63 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 57,506.00 126,783.00 7.30 16.09 6,780.21 9,416.83 0.05 0.06 2.00 2.00 1.19 1.19 16.04 16.04 0.01 0.01 0.24 0.17
3 100.00 200.00 80,521.00 207,304.00 10.22 26.31 17,816.33 27,233.17 0.12 0.19 6.00 8.00 3.57 4.76 91.65 107.69 0.03 0.03 0.51 0.40
4 200.00 300.00 59,683.00 266,987.00 7.57 33.89 21,931.75 49,164.92 0.15 0.33 7.00 15.00 4.17 8.93 394.53 502.22 0.12 0.16 1.80 1.02
5 300.00 500.00 91,973.00 358,960.00 11.67 45.56 54,081.95 103,246.86 0.37 0.70 29.00 44.00 17.26 26.19 349.20 851.42 0.11 0.27 0.65 0.82
6 500.00 750.00 71,336.00 430,296.00 9.05 54.61 63,277.52 166,524.38 0.43 1.13 11.00 55.00 6.55 32.74 518.51 1,369.93 0.16 0.43 0.82 0.82
7 750.00 1,000.00 68,352.00 498,648.00 8.68 63.29 86,723.20 253,247.58 0.59 1.72 11.00 66.00 6.55 39.29 843.50 2,213.43 0.27 0.70 0.97 0.87
8 1,000.00 1,500.00 70,507.00 569,155.00 8.95 72.24 123,435.69 376,683.27 0.84 2.56 20.00 86.00 11.90 51.19 865.96 3,079.39 0.27 0.97 0.70 0.82
9 1,500.00 2,000.00 37,517.00 606,672.00 4.76 77.00 93,766.70 470,449.97 0.64 3.20 10.00 96.00 5.95 57.14 1,017.27 4,096.66 0.32 1.29 1.08 0.87
10 2,000.00 2,500.00 23,156.00 629,828.00 2.94 79.94 74,138.07 544,588.04 0.50 3.70 6.00 102.00 3.57 60.71 1,006.60 5,103.26 0.32 1.61 1.36 0.94
11 2,500.00 3,000.00 18,030.00 647,858.00 2.29 82.23 70,729.42 615,317.47 0.48 4.18 5.00 107.00 2.98 63.69 986.08 6,089.34 0.31 1.92 1.39 0.99
12 3,000.00 4,000.00 22,795.00 670,653.00 2.89 85.12 112,626.51 727,943.97 0.77 4.95 7.00 114.00 4.17 67.86 654.98 6,744.32 0.21 2.12 0.58 0.93
13 4,000.00 5,000.00 16,184.00 686,837.00 2.05 87.17 104,019.37 831,963.34 0.71 5.66 4.00 118.00 2.38 70.24 223.31 6,967.63 0.07 2.19 0.21 0.84
14 5,000.00 7,500.00 22,220.00 709,057.00 2.82 89.99 192,177.21 1,024,140.55 1.31 6.96 13.00 131.00 7.74 77.98 1,821.00 8,788.63 0.57 2.77 0.95 0.86
15 7,500.00 10,000.00 14,449.00 723,506.00 1.83 91.83 181,022.93 1,205,163.49 1.23 8.19 6.00 137.00 3.57 81.55 2,366.09 11,154.71 0.74 3.51 1.31 0.93
16 10,000.00 20,000.00 22,586.00 746,092.00 2.87 94.69 455,545.58 1,660,709.07 3.10 11.29 8.00 145.00 4.76 86.31 1,448.90 12,603.61 0.46 3.97 0.32 0.76
17 20,000.00 50,000.00 19,396.00 765,488.00 2.46 97.16 869,836.02 2,530,545.09 5.91 17.20 9.00 154.00 5.36 91.67 3,068.86 15,672.46 0.97 4.93 0.35 0.62
18 50,000.00 100,000.00 9,755.00 775,243.00 1.24 98.39 950,007.86 3,480,552.95 6.46 23.66 5.00 159.00 2.98 94.64 29,844.65 45,517.12 9.39 14.33 3.14 1.31
19 100,000.00 500,000.00 9,963.00 785,206.00 1.26 99.66 2,963,947.75 6,444,500.70 20.15 43.81 9.00 168.00 5.36 100.00 272,218.57 317,735.68 85.67 100.00 9.18 4.93
20 500,000.00 UP 2,689.00 787,895.00 0.34 100.00 8,266,398.07 14,710,898.77 56.19 100.00 0.00 168.00 0.00 100.00 0.00 317,735.68 0.00 100.00 0.00 2.16
40

RISK & LOSS PROFILE

As At 30/06/2015
UNDERWRTING YEAR : 2015

OCCUPATION : ALL

BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 2,540.00 2,540.00 5.19 5.19 106.05 106.05 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 2,241.00 4,781.00 4.58 9.76 279.46 385.50 0.04 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 4,002.00 8,783.00 8.17 17.93 932.37 1,317.88 0.12 0.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 4,333.00 13,116.00 8.85 26.78 1,647.79 2,965.67 0.22 0.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 6,926.00 20,042.00 14.14 40.92 4,121.77 7,087.44 0.55 0.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 5,021.00 25,063.00 10.25 51.17 4,437.56 11,525.00 0.59 1.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 4,511.00 29,574.00 9.21 60.38 5,729.89 17,254.89 0.76 2.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 4,554.00 34,128.00 9.30 69.67 8,010.64 25,265.54 1.07 3.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 2,788.00 36,916.00 5.69 75.36 6,890.55 32,156.09 0.92 4.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 1,716.00 38,632.00 3.50 78.87 5,437.41 37,593.50 0.73 5.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 1,261.00 39,893.00 2.57 81.44 4,933.91 42,527.41 0.66 5.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 1,612.00 41,505.00 3.29 84.73 7,796.60 50,324.00 1.04 6.71 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 1,157.00 42,662.00 2.36 87.10 7,464.90 57,788.90 1.00 7.71 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 1,510.00 44,172.00 3.08 90.18 12,993.18 70,782.08 1.73 9.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 962.00 45,134.00 1.96 92.14 12,019.54 82,801.62 1.60 11.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 1,380.00 46,514.00 2.82 94.96 27,168.53 109,970.14 3.62 14.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 1,115.00 47,629.00 2.28 97.24 51,425.61 161,395.75 6.86 21.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.00 586.00 48,215.00 1.20 98.43 59,055.76 220,451.51 7.88 29.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19 100,000.00 500,000.00 620.00 48,835.00 1.27 99.70 183,951.72 404,403.23 24.54 53.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20 500,000.00 UP 148.00 48,983.00 0.30 100.00 345,296.25 749,699.47 46.06 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
41

RISK & LOSS PROFILE

As At 30/06/2015

OCCUPATION : ALL

BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 16,759.00 16,759.00 7.93 7.93 524.64 524.64 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 14,281.00 31,040.00 6.76 14.68 1,702.41 2,227.05 0.04 0.05 1.00 1.00 11.11 11.11 12.24 12.24 0.94 0.94 0.72 0.55
3 100.00 200.00 18,912.00 49,952.00 8.95 23.63 4,065.90 6,292.96 0.10 0.15 0.00 1.00 0.00 11.11 0.00 12.24 0.00 0.94 0.00 0.19
4 200.00 300.00 14,257.00 64,209.00 6.74 30.38 5,137.84 11,430.80 0.12 0.27 2.00 3.00 22.22 33.33 54.79 67.03 4.22 5.17 1.07 0.59
5 300.00 500.00 27,096.00 91,305.00 12.82 43.19 15,751.06 27,181.85 0.37 0.64 0.00 3.00 0.00 33.33 0.00 67.03 0.00 5.17 0.00 0.25
6 500.00 750.00 23,951.00 115,256.00 11.33 54.52 21,233.34 48,415.19 0.50 1.14 0.00 3.00 0.00 33.33 0.00 67.03 0.00 5.17 0.00 0.14
7 750.00 1,000.00 21,885.00 137,141.00 10.35 64.88 27,168.89 75,584.07 0.64 1.78 2.00 5.00 22.22 55.56 112.92 179.95 8.70 13.87 0.42 0.24
8 1,000.00 1,500.00 16,267.00 153,408.00 7.70 72.57 27,891.16 103,475.23 0.66 2.44 0.00 5.00 0.00 55.56 0.00 179.95 0.00 13.87 0.00 0.17
9 1,500.00 2,000.00 9,775.00 163,183.00 4.62 77.20 23,889.58 127,364.81 0.56 3.00 0.00 5.00 0.00 55.56 0.00 179.95 0.00 13.87 0.00 0.14
10 2,000.00 2,500.00 5,932.00 169,115.00 2.81 80.00 18,565.43 145,930.24 0.44 3.44 2.00 7.00 22.22 77.78 737.50 917.45 56.84 70.71 3.97 0.63
11 2,500.00 3,000.00 4,730.00 173,845.00 2.24 82.24 18,076.43 164,006.67 0.43 3.87 0.00 7.00 0.00 77.78 0.00 917.45 0.00 70.71 0.00 0.56
12 3,000.00 4,000.00 5,912.00 179,757.00 2.80 85.04 28,514.22 192,520.90 0.67 4.54 0.00 7.00 0.00 77.78 0.00 917.45 0.00 70.71 0.00 0.48
13 4,000.00 5,000.00 4,202.00 183,959.00 1.99 87.03 26,268.08 218,788.98 0.62 5.16 1.00 8.00 11.11 88.89 12.91 930.36 0.99 71.70 0.05 0.43
14 5,000.00 7,500.00 5,852.00 189,811.00 2.77 89.80 49,632.64 268,421.62 1.17 6.33 1.00 9.00 11.11 100.00 367.16 1,297.52 28.30 100.00 0.74 0.48
15 7,500.00 10,000.00 3,723.00 193,534.00 1.76 91.56 45,838.31 314,259.93 1.08 7.41 0.00 9.00 0.00 100.00 0.00 1,297.52 0.00 100.00 0.00 0.41
16 10,000.00 20,000.00 5,927.00 199,461.00 2.80 94.36 118,053.62 432,313.55 2.78 10.19 0.00 9.00 0.00 100.00 0.00 1,297.52 0.00 100.00 0.00 0.30
17 20,000.00 50,000.00 5,417.00 204,878.00 2.56 96.92 248,106.06 680,419.62 5.85 16.04 0.00 9.00 0.00 100.00 0.00 1,297.52 0.00 100.00 0.00 0.19
18 50,000.00 100,000.00 2,831.00 207,709.00 1.34 98.26 271,721.76 952,141.38 6.40 22.44 0.00 9.00 0.00 100.00 0.00 1,297.52 0.00 100.00 0.00 0.14
19 100,000.00 500,000.00 2,892.00 210,601.00 1.37 99.63 893,612.89 1,845,754.27 21.06 43.50 0.00 9.00 0.00 100.00 0.00 1,297.52 0.00 100.00 0.00 0.07
20 500,000.00 UP 781.00 211,382.00 0.37 100.00 2,396,896.42 4,242,650.69 56.50 100.00 0.00 9.00 0.00 100.00 0.00 1,297.52 0.00 100.00 0.00 0.03
42

RISK & LOSS PROFILE

As At 30/06/2015

OCCUPATION : ALL

BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 15,763.00 15,763.00 8.36 8.36 631.97 631.97 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 14,567.00 30,330.00 7.73 16.09 1,674.58 2,306.55 0.04 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 19,137.00 49,467.00 10.15 26.24 4,288.40 6,594.95 0.10 0.16 2.00 2.00 3.51 3.51 7.46 7.46 0.00 0.00 0.17 0.11
4 200.00 300.00 13,919.00 63,386.00 7.38 33.63 5,197.53 11,792.48 0.12 0.28 3.00 5.00 5.26 8.77 327.22 334.68 0.11 0.11 6.30 2.84
5 300.00 500.00 19,734.00 83,120.00 10.47 44.10 11,731.40 23,523.89 0.28 0.55 4.00 9.00 7.02 15.79 254.65 589.33 0.08 0.19 2.17 2.51
6 500.00 750.00 15,446.00 98,566.00 8.19 52.29 13,768.81 37,292.69 0.32 0.88 4.00 13.00 7.02 22.81 364.26 953.59 0.12 0.31 2.65 2.56
7 750.00 1,000.00 14,452.00 113,018.00 7.67 59.96 18,484.14 55,776.83 0.43 1.31 6.00 19.00 10.53 33.33 654.66 1,608.25 0.21 0.52 3.54 2.88
8 1,000.00 1,500.00 19,873.00 132,891.00 10.54 70.50 34,943.83 90,720.67 0.82 2.13 15.00 34.00 26.32 59.65 682.92 2,291.17 0.22 0.74 1.95 2.53
9 1,500.00 2,000.00 9,603.00 142,494.00 5.09 75.60 24,165.78 114,886.45 0.57 2.70 2.00 36.00 3.51 63.16 184.54 2,475.71 0.06 0.80 0.76 2.15
10 2,000.00 2,500.00 5,993.00 148,487.00 3.18 78.78 19,607.07 134,493.52 0.46 3.16 1.00 37.00 1.75 64.91 42.55 2,518.26 0.01 0.82 0.22 1.87
11 2,500.00 3,000.00 4,509.00 152,996.00 2.39 81.17 17,974.71 152,468.23 0.42 3.59 2.00 39.00 3.51 68.42 792.78 3,311.04 0.26 1.07 4.41 2.17
12 3,000.00 4,000.00 5,738.00 158,734.00 3.04 84.21 28,804.90 181,273.12 0.68 4.26 4.00 43.00 7.02 75.44 550.12 3,861.16 0.18 1.25 1.91 2.13
13 4,000.00 5,000.00 4,093.00 162,827.00 2.17 86.38 26,610.99 207,884.11 0.63 4.89 0.00 43.00 0.00 75.44 0.00 3,861.16 0.00 1.25 0.00 1.86
14 5,000.00 7,500.00 5,615.00 168,442.00 2.98 89.36 49,274.07 257,158.18 1.16 6.05 2.00 45.00 3.51 78.95 612.65 4,473.82 0.20 1.45 1.24 1.74
15 7,500.00 10,000.00 3,743.00 172,185.00 1.99 91.35 47,799.20 304,957.37 1.12 7.17 2.00 47.00 3.51 82.46 1,608.06 6,081.88 0.52 1.97 3.36 1.99
16 10,000.00 20,000.00 5,801.00 177,986.00 3.08 94.43 118,255.83 423,213.20 2.78 9.95 2.00 49.00 3.51 85.96 551.06 6,632.94 0.18 2.15 0.47 1.57
17 20,000.00 50,000.00 4,885.00 182,871.00 2.59 97.02 221,834.14 645,047.34 5.22 15.17 1.00 50.00 1.75 87.72 29.98 6,662.92 0.01 2.16 0.01 1.03
18 50,000.00 100,000.00 2,488.00 185,359.00 1.32 98.34 254,226.46 899,273.80 5.98 21.15 3.00 53.00 5.26 92.98 29,398.39 36,061.30 9.54 11.71 11.56 4.01
19 100,000.00 500,000.00 2,468.00 187,827.00 1.31 99.65 758,150.65 1,657,424.44 17.83 38.98 4.00 57.00 7.02 100.00 272,001.27 308,062.57 88.29 100.00 35.88 18.59
20 500,000.00 UP 666.00 188,493.00 0.35 100.00 2,594,412.12 4,251,836.57 61.02 100.00 0.00 57.00 0.00 100.00 0.00 308,062.57 0.00 100.00 0.00 7.25
43

RISK & LOSS PROFILE

As At 30/06/2015

OCCUPATION : ALL

BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 17,341.00 17,341.00 10.02 10.02 688.99 688.99 0.03 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 13,568.00 30,909.00 7.84 17.86 1,594.28 2,283.27 0.06 0.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 19,214.00 50,123.00 11.10 28.96 4,232.73 6,516.01 0.16 0.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 13,646.00 63,769.00 7.88 36.84 5,061.18 11,577.18 0.19 0.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 19,014.00 82,783.00 10.98 47.82 11,283.29 22,860.48 0.43 0.86 1.00 1.00 6.67 6.67 17.44 17.44 1.01 1.01 0.15 0.08
6 500.00 750.00 13,725.00 96,508.00 7.93 55.75 12,271.14 35,131.62 0.46 1.33 0.00 1.00 0.00 6.67 0.00 17.44 0.00 1.01 0.00 0.05
7 750.00 1,000.00 13,958.00 110,466.00 8.06 63.82 17,871.83 53,003.45 0.68 2.00 0.00 1.00 0.00 6.67 0.00 17.44 0.00 1.01 0.00 0.03
8 1,000.00 1,500.00 16,124.00 126,590.00 9.32 73.13 28,323.65 81,327.10 1.07 3.07 1.00 2.00 6.67 13.33 50.00 67.44 2.91 3.92 0.18 0.08
9 1,500.00 2,000.00 7,981.00 134,571.00 4.61 77.74 20,320.31 101,647.41 0.77 3.84 3.00 5.00 20.00 33.33 410.61 478.05 23.87 27.78 2.02 0.47
10 2,000.00 2,500.00 4,877.00 139,448.00 2.82 80.56 15,678.06 117,325.46 0.59 4.44 1.00 6.00 6.67 40.00 62.33 540.38 3.62 31.41 0.40 0.46
11 2,500.00 3,000.00 3,878.00 143,326.00 2.24 82.80 15,301.77 132,627.24 0.58 5.01 0.00 6.00 0.00 40.00 0.00 540.38 0.00 31.41 0.00 0.41
12 3,000.00 4,000.00 4,849.00 148,175.00 2.80 85.60 24,415.19 157,042.43 0.92 5.94 0.00 6.00 0.00 40.00 0.00 540.38 0.00 31.41 0.00 0.34
13 4,000.00 5,000.00 3,408.00 151,583.00 1.97 87.57 22,242.13 179,284.55 0.84 6.78 0.00 6.00 0.00 40.00 0.00 540.38 0.00 31.41 0.00 0.30
14 5,000.00 7,500.00 4,774.00 156,357.00 2.76 90.33 41,510.52 220,795.07 1.57 8.35 2.00 8.00 13.33 53.33 319.96 860.33 18.60 50.00 0.77 0.39
15 7,500.00 10,000.00 3,107.00 159,464.00 1.79 92.12 38,751.98 259,547.06 1.46 9.81 2.00 10.00 13.33 66.67 555.00 1,415.33 32.26 82.26 1.43 0.55
16 10,000.00 20,000.00 4,907.00 164,371.00 2.83 94.96 100,087.02 359,634.07 3.78 13.59 4.00 14.00 26.67 93.33 301.07 1,716.41 17.50 99.76 0.30 0.48
17 20,000.00 50,000.00 4,065.00 168,436.00 2.35 97.31 178,910.74 538,544.82 6.76 20.36 0.00 14.00 0.00 93.33 0.00 1,716.41 0.00 99.76 0.00 0.32
18 50,000.00 100,000.00 2,050.00 170,486.00 1.18 98.49 194,027.36 732,572.17 7.33 27.69 0.00 14.00 0.00 93.33 0.00 1,716.41 0.00 99.76 0.00 0.23
19 100,000.00 500,000.00 2,065.00 172,551.00 1.19 99.68 594,909.85 1,327,482.02 22.49 50.18 1.00 15.00 6.67 100.00 4.14 1,720.54 0.24 100.00 0.00 0.13
20 500,000.00 UP 546.00 173,097.00 0.32 100.00 1,317,907.61 2,645,389.64 49.82 100.00 0.00 15.00 0.00 100.00 0.00 1,720.54 0.00 100.00 0.00 0.07
44

RISK & LOSS PROFILE

As At 30/06/2015
UNDERWRTING YEAR :2011

OCCUPATION :ALL

BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 16,874.00 16,874.00 10.17 10.17 684.98 684.98 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 12,849.00 29,723.00 7.74 17.91 1,529.48 2,214.46 0.05 0.08 1.00 1.00 1.15 1.15 3.80 3.80 0.06 0.06 0.25 0.17
3 100.00 200.00 19,256.00 48,979.00 11.60 29.52 4,296.92 6,511.38 0.15 0.23 4.00 5.00 4.60 5.75 84.19 87.99 1.27 1.32 1.96 1.35
4 200.00 300.00 13,528.00 62,507.00 8.15 37.67 4,887.41 11,398.79 0.17 0.40 2.00 7.00 2.30 8.05 12.51 100.51 0.19 1.51 0.26 0.88
5 300.00 500.00 19,203.00 81,710.00 11.57 49.24 11,194.42 22,593.21 0.40 0.80 24.00 31.00 27.59 35.63 77.11 177.62 1.16 2.67 0.69 0.79
6 500.00 750.00 13,193.00 94,903.00 7.95 57.19 11,566.67 34,159.88 0.41 1.21 7.00 38.00 8.05 43.68 154.25 331.87 2.32 4.99 1.33 0.97
7 750.00 1,000.00 13,546.00 108,449.00 8.16 65.35 17,468.44 51,628.33 0.62 1.83 3.00 41.00 3.45 47.13 75.92 407.79 1.14 6.13 0.43 0.79
8 1,000.00 1,500.00 13,689.00 122,138.00 8.25 73.60 24,266.40 75,894.73 0.86 2.69 4.00 45.00 4.60 51.72 133.04 540.83 2.00 8.13 0.55 0.71
9 1,500.00 2,000.00 7,370.00 129,508.00 4.44 78.05 18,500.48 94,395.21 0.66 3.35 5.00 50.00 5.75 57.47 422.12 962.95 6.34 14.47 2.28 1.02
10 2,000.00 2,500.00 4,638.00 134,146.00 2.79 80.84 14,850.11 109,245.32 0.53 3.87 2.00 52.00 2.30 59.77 164.22 1,127.17 2.47 16.94 1.11 1.03
11 2,500.00 3,000.00 3,652.00 137,798.00 2.20 83.04 14,442.61 123,687.93 0.51 4.38 3.00 55.00 3.45 63.22 193.30 1,320.47 2.90 19.84 1.34 1.07
12 3,000.00 4,000.00 4,684.00 142,482.00 2.82 85.86 23,095.60 146,783.53 0.82 5.20 3.00 58.00 3.45 66.67 104.87 1,425.34 1.58 21.42 0.45 0.97
13 4,000.00 5,000.00 3,324.00 145,806.00 2.00 87.87 21,433.28 168,216.80 0.76 5.96 3.00 61.00 3.45 70.11 210.40 1,635.74 3.16 24.58 0.98 0.97
14 5,000.00 7,500.00 4,469.00 150,275.00 2.69 90.56 38,766.80 206,983.61 1.37 7.34 8.00 69.00 9.20 79.31 521.23 2,156.96 7.83 32.41 1.34 1.04
15 7,500.00 10,000.00 2,914.00 153,189.00 1.76 92.32 36,613.91 243,597.52 1.30 8.63 2.00 71.00 2.30 81.61 203.02 2,359.99 3.05 35.46 0.55 0.97
16 10,000.00 20,000.00 4,571.00 157,760.00 2.75 95.07 91,980.58 335,578.10 3.26 11.89 2.00 73.00 2.30 83.91 596.76 2,956.75 8.97 44.43 0.65 0.88
17 20,000.00 50,000.00 3,914.00 161,674.00 2.36 97.43 169,559.47 505,137.57 6.01 17.90 8.00 81.00 9.20 93.10 3,038.88 5,995.63 45.66 90.09 1.79 1.19
18 50,000.00 100,000.00 1,800.00 163,474.00 1.08 98.51 170,976.52 676,114.09 6.06 23.96 2.00 83.00 2.30 95.40 446.27 6,441.89 6.71 96.80 0.26 0.95
19 100,000.00 500,000.00 1,918.00 165,392.00 1.16 99.67 533,322.65 1,209,436.73 18.90 42.87 4.00 87.00 4.60 100.00 213.16 6,655.05 3.20 100.00 0.04 0.55
20 500,000.00 UP 548.00 165,940.00 0.33 100.00 1,611,885.67 2,821,322.40 57.13 100.00 0.00 87.00 0.00 100.00 0.00 6,655.05 0.00 100.00 0.00 0.24
45

RISK & LOSS PROFILE

As At 30/06/2015

OCCUPATION : AGRICULTURAL

BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 1.00 1.00 1.69 1.69 0.22 0.22 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 1.00 2.00 1.69 3.39 0.26 0.48 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 1.00 3.00 1.69 5.08 0.73 1.20 0.03 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 5.00 8.00 8.47 13.56 3.94 5.14 0.18 0.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 5.00 13.00 8.47 22.03 4.56 9.70 0.21 0.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 8.00 21.00 13.56 35.59 10.16 19.87 0.46 0.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 4.00 25.00 6.78 42.37 6.61 26.47 0.30 1.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 6.00 31.00 10.17 52.54 17.09 43.56 0.77 1.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 0.00 31.00 0.00 52.54 0.00 43.56 0.00 1.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 2.00 33.00 3.39 55.93 10.23 53.79 0.46 2.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 2.00 35.00 3.39 59.32 14.55 68.34 0.66 3.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 0.00 35.00 0.00 59.32 0.00 68.34 0.00 3.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 2.00 37.00 3.39 62.71 14.80 83.14 0.67 3.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 4.00 41.00 6.78 69.49 73.20 156.34 3.31 7.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 3.00 44.00 5.08 74.58 120.87 277.21 5.46 12.52 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.00 8.00 52.00 13.56 88.14 868.54 1,145.75 39.23 51.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19 100,000.00 500,000.00 7.00 59.00 11.86 100.00 1,068.09 2,213.84 48.25 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20 500,000.00 UP 0.00 59.00 0.00 100.00 0.00 2,213.84 0.00 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
46

RISK & LOSS PROFILE

As At 30/06/2015

OCCUPATION : COMMERCIAL

BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 1,162.00 1,162.00 5.70 5.70 42.68 42.68 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 923.00 2,085.00 4.53 10.23 110.45 153.13 0.05 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 1,153.00 3,238.00 5.66 15.89 274.03 427.16 0.13 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 1,347.00 4,585.00 6.61 22.50 528.58 955.74 0.25 0.45 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 2,464.00 7,049.00 12.09 34.59 1,540.75 2,496.49 0.73 1.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 2,005.00 9,054.00 9.84 44.43 1,834.23 4,330.72 0.87 2.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 1,962.00 11,016.00 9.63 54.06 2,593.91 6,924.63 1.23 3.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 1,922.00 12,938.00 9.43 63.49 3,508.92 10,433.55 1.66 4.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 1,406.00 14,344.00 6.90 70.39 3,551.71 13,985.25 1.68 6.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 823.00 15,167.00 4.04 74.43 2,666.20 16,651.45 1.26 7.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 644.00 15,811.00 3.16 77.59 2,556.57 19,208.02 1.21 9.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 839.00 16,650.00 4.12 81.71 4,102.56 23,310.58 1.94 11.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 631.00 17,281.00 3.10 84.81 4,126.23 27,436.80 1.95 12.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 828.00 18,109.00 4.06 88.87 7,159.99 34,596.79 3.39 16.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 471.00 18,580.00 2.31 91.18 5,851.44 40,448.23 2.77 19.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 719.00 19,299.00 3.53 94.71 14,234.71 54,682.94 6.74 25.87 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 549.00 19,848.00 2.69 97.40 26,422.96 81,105.90 12.50 38.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.00 286.00 20,134.00 1.40 98.81 29,530.62 110,636.52 13.97 52.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19 100,000.00 500,000.00 221.00 20,355.00 1.08 99.89 61,571.22 172,207.74 29.13 81.48 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20 500,000.00 UP 22.00 20,377.00 0.11 100.00 39,134.81 211,342.54 18.52 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
47

RISK & LOSS PROFILE

As At 30/06/2015

OCCUPATION : INDUSTRIAL

BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 57.00 57.00 1.85 1.85 2.40 2.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 68.00 125.00 2.21 4.06 7.55 9.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 70.00 195.00 2.27 6.33 16.82 26.77 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 76.00 271.00 2.47 8.80 29.88 56.65 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 148.00 419.00 4.81 13.61 97.22 153.87 0.02 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 129.00 548.00 4.19 17.80 122.76 276.63 0.03 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 172.00 720.00 5.59 23.38 223.67 500.30 0.05 0.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 181.00 901.00 5.88 29.26 336.73 837.02 0.08 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 138.00 1,039.00 4.48 33.74 340.83 1,177.86 0.08 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 113.00 1,152.00 3.67 37.41 364.18 1,542.04 0.09 0.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 80.00 1,232.00 2.60 40.01 313.04 1,855.08 0.08 0.45 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 141.00 1,373.00 4.58 44.59 677.17 2,532.25 0.17 0.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 102.00 1,475.00 3.31 47.91 683.66 3,215.90 0.17 0.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 190.00 1,665.00 6.17 54.08 1,680.36 4,896.27 0.41 1.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 175.00 1,840.00 5.68 59.76 2,242.45 7,138.72 0.55 1.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 306.00 2,146.00 9.94 69.70 6,152.09 13,290.81 1.50 3.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 331.00 2,477.00 10.75 80.45 14,797.61 28,088.42 3.61 6.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.00 224.00 2,701.00 7.28 87.72 21,348.04 49,436.46 5.21 12.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19 100,000.00 500,000.00 270.00 2,971.00 8.77 96.49 82,366.46 131,802.92 20.12 32.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20 500,000.00 UP 108.00 3,079.00 3.51 100.00 277,605.30 409,408.22 67.81 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
48

RISK & LOSS PROFILE

As At 30/06/2015

OCCUPATION : RESIDENTIAL

BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 1,321.00 1,321.00 5.19 5.19 60.96 60.96 0.05 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 1,250.00 2,571.00 4.91 10.10 161.45 222.41 0.13 0.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 2,778.00 5,349.00 10.91 21.00 641.31 863.72 0.51 0.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 2,909.00 8,258.00 11.42 32.43 1,089.08 1,952.80 0.86 1.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 4,313.00 12,571.00 16.93 49.36 2,483.08 4,435.88 1.96 3.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 2,882.00 15,453.00 11.32 60.68 2,476.62 6,912.50 1.95 5.45 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 2,372.00 17,825.00 9.31 69.99 2,907.76 9,820.26 2.29 7.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 2,443.00 20,268.00 9.59 79.58 4,154.84 13,975.10 3.28 11.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 1,240.00 21,508.00 4.87 84.45 2,991.41 16,966.50 2.36 13.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 774.00 22,282.00 3.04 87.49 2,389.94 19,356.44 1.89 15.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 537.00 22,819.00 2.11 89.60 2,064.30 21,420.75 1.63 16.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 630.00 23,449.00 2.47 92.07 3,006.64 24,427.38 2.37 19.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 422.00 23,871.00 1.66 93.73 2,640.47 27,067.85 2.08 21.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 492.00 24,363.00 1.93 95.66 4,152.83 31,220.68 3.28 24.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 314.00 24,677.00 1.23 96.89 3,910.85 35,131.53 3.09 27.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 351.00 25,028.00 1.38 98.27 6,708.53 41,840.06 5.29 33.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 232.00 25,260.00 0.91 99.18 10,084.18 51,924.23 7.96 40.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.00 68.00 25,328.00 0.27 99.45 7,308.55 59,232.79 5.77 46.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19 100,000.00 500,000.00 122.00 25,450.00 0.48 99.93 38,945.94 98,178.73 30.73 77.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20 500,000.00 UP 18.00 25,468.00 0.07 100.00 28,556.14 126,734.87 22.53 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
49

RISK & LOSS PROFILE

As At 30/06/2015


BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 2.00 2.00 0.48 0.48 0.04 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 7.00 9.00 1.67 2.14 0.71 0.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 10.00 19.00 2.38 4.52 1.61 2.36 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 5.00 24.00 1.19 5.71 1.82 4.18 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 11.00 35.00 2.62 8.33 5.99 10.17 0.02 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 10.00 45.00 2.38 10.71 5.81 15.98 0.02 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 12.00 57.00 2.86 13.57 10.62 26.60 0.04 0.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 17.00 74.00 4.05 17.62 26.83 53.43 0.11 0.21 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 25.00 99.00 5.95 23.57 57.00 110.43 0.23 0.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 19.00 118.00 4.52 28.10 58.17 168.59 0.23 0.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 10.00 128.00 2.38 30.48 29.52 198.11 0.12 0.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 22.00 150.00 5.24 35.71 117.09 315.21 0.47 1.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 20.00 170.00 4.76 40.48 120.05 435.26 0.48 1.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 26.00 196.00 6.19 46.67 215.69 650.95 0.87 2.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 21.00 217.00 5.00 51.67 244.10 895.05 0.98 3.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 30.00 247.00 7.14 58.81 498.31 1,393.37 2.00 5.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 52.00 299.00 12.38 71.19 2,294.05 3,687.42 9.21 14.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.00 50.00 349.00 11.90 83.10 4,281.09 7,968.51 17.18 31.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19 100,000.00 500,000.00 70.00 419.00 16.67 99.76 15,492.10 23,460.61 62.18 94.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20 500,000.00 UP 1.00 420.00 0.24 100.00 1,452.46 24,913.07 5.83 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
50

RISK & LOSS PROFILE

As At 30/06/2015


BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 8,540.00 8,540.00 7.83 7.83 271.08 271.08 0.03 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 5,582.00 14,122.00 5.12 12.95 622.88 893.97 0.07 0.10 1.00 1.00 14.29 14.29 12.24 12.24 1.00 1.00 1.96 1.37
3 100.00 200.00 7,896.00 22,018.00 7.24 20.20 1,732.63 2,626.60 0.19 0.29 0.00 1.00 0.00 14.29 0.00 12.24 0.00 1.00 0.00 0.47
4 200.00 300.00 5,603.00 27,621.00 5.14 25.34 2,074.07 4,700.67 0.23 0.51 1.00 2.00 14.29 28.57 38.79 51.03 3.16 4.15 1.87 1.09
5 300.00 500.00 14,406.00 42,027.00 13.22 38.55 8,820.91 13,521.58 0.96 1.47 0.00 2.00 0.00 28.57 0.00 51.03 0.00 4.15 0.00 0.38
6 500.00 750.00 15,054.00 57,081.00 13.81 52.36 13,850.37 27,371.95 1.51 2.98 0.00 2.00 0.00 28.57 0.00 51.03 0.00 4.15 0.00 0.19
7 750.00 1,000.00 14,323.00 71,404.00 13.14 65.50 18,272.62 45,644.57 1.99 4.97 1.00 3.00 14.29 42.86 60.00 111.03 4.88 9.04 0.33 0.24
8 1,000.00 1,500.00 8,608.00 80,012.00 7.90 73.40 15,159.34 60,803.91 1.65 6.62 0.00 3.00 0.00 42.86 0.00 111.03 0.00 9.04 0.00 0.18
9 1,500.00 2,000.00 5,085.00 85,097.00 4.66 78.06 12,822.05 73,625.96 1.40 8.02 0.00 3.00 0.00 42.86 0.00 111.03 0.00 9.04 0.00 0.15
10 2,000.00 2,500.00 2,941.00 88,038.00 2.70 80.76 9,534.06 83,160.02 1.04 9.06 2.00 5.00 28.57 71.43 737.50 848.53 60.03 69.06 7.74 1.02
11 2,500.00 3,000.00 2,432.00 90,470.00 2.23 82.99 9,554.71 92,714.73 1.04 10.10 0.00 5.00 0.00 71.43 0.00 848.53 0.00 69.06 0.00 0.92
12 3,000.00 4,000.00 2,993.00 93,463.00 2.75 85.74 14,803.51 107,518.24 1.61 11.71 0.00 5.00 0.00 71.43 0.00 848.53 0.00 69.06 0.00 0.79
13 4,000.00 5,000.00 2,208.00 95,671.00 2.03 87.76 14,001.95 121,520.19 1.52 13.23 1.00 6.00 14.29 85.71 12.91 861.44 1.05 70.12 0.09 0.71
14 5,000.00 7,500.00 3,135.00 98,806.00 2.88 90.64 27,161.58 148,681.76 2.96 16.19 1.00 7.00 14.29 100.00 367.16 1,228.60 29.88 100.00 1.35 0.83
15 7,500.00 10,000.00 1,982.00 100,788.00 1.82 92.46 24,307.61 172,989.37 2.65 18.84 0.00 7.00 0.00 100.00 0.00 1,228.60 0.00 100.00 0.00 0.71
16 10,000.00 20,000.00 3,109.00 103,897.00 2.85 95.31 62,283.83 235,273.20 6.78 25.62 0.00 7.00 0.00 100.00 0.00 1,228.60 0.00 100.00 0.00 0.52
17 20,000.00 50,000.00 2,773.00 106,670.00 2.54 97.85 128,087.34 363,360.54 13.95 39.57 0.00 7.00 0.00 100.00 0.00 1,228.60 0.00 100.00 0.00 0.34
18 50,000.00 100,000.00 1,322.00 107,992.00 1.21 99.07 115,037.49 478,398.03 12.53 52.10 0.00 7.00 0.00 100.00 0.00 1,228.60 0.00 100.00 0.00 0.26
19 100,000.00 500,000.00 887.00 108,879.00 0.81 99.88 252,736.32 731,134.34 27.52 79.62 0.00 7.00 0.00 100.00 0.00 1,228.60 0.00 100.00 0.00 0.17
20 500,000.00 UP 130.00 109,009.00 0.12 100.00 187,145.56 918,279.91 20.38 100.00 0.00 7.00 0.00 100.00 0.00 1,228.60 0.00 100.00 0.00 0.13
51

RISK & LOSS PROFILE

As At 30/06/2015


BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 1,231.00 1,231.00 7.17 7.17 36.06 36.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 410.00 1,641.00 2.39 9.56 43.04 79.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 632.00 2,273.00 3.68 13.25 136.04 215.14 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 438.00 2,711.00 2.55 15.80 161.13 376.27 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 683.00 3,394.00 3.98 19.78 421.43 797.70 0.02 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 745.00 4,139.00 4.34 24.12 693.28 1,490.98 0.03 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 702.00 4,841.00 4.09 28.21 886.02 2,377.00 0.03 0.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 967.00 5,808.00 5.64 33.85 1,745.22 4,122.22 0.07 0.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 720.00 6,528.00 4.20 38.04 1,814.78 5,937.01 0.07 0.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 553.00 7,081.00 3.22 41.27 1,779.51 7,716.51 0.07 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 467.00 7,548.00 2.72 43.99 1,841.13 9,557.64 0.07 0.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 754.00 8,302.00 4.39 48.38 3,730.07 13,287.71 0.14 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 549.00 8,851.00 3.20 51.58 3,555.31 16,843.02 0.13 0.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 987.00 9,838.00 5.75 57.33 8,665.04 25,508.06 0.32 0.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 783.00 10,621.00 4.56 61.90 10,189.43 35,697.49 0.38 1.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 1,587.00 12,208.00 9.25 71.15 31,836.68 67,534.18 1.19 2.52 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 1,798.00 14,006.00 10.48 81.62 84,330.49 151,864.67 3.15 5.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.00 1,122.00 15,128.00 6.54 88.16 118,310.28 270,174.95 4.41 10.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19 100,000.00 500,000.00 1,461.00 16,589.00 8.51 96.68 484,517.82 754,692.77 18.08 28.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20 500,000.00 UP 570.00 17,159.00 3.32 100.00 1,925,252.69 2,679,945.46 71.84 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
52

RISK & LOSS PROFILE

As At 30/06/2015


BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 6,986.00 6,986.00 8.24 8.24 217.45 217.45 0.04 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 8,282.00 15,268.00 9.77 18.01 1,035.78 1,253.23 0.17 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 10,374.00 25,642.00 12.23 30.24 2,195.63 3,448.86 0.35 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 8,211.00 33,853.00 9.68 39.92 2,900.82 6,349.67 0.47 1.02 1.00 1.00 50.00 50.00 16.00 16.00 23.22 23.22 0.55 0.25
5 300.00 500.00 11,996.00 45,849.00 14.15 54.07 6,502.72 12,852.40 1.05 2.07 0.00 1.00 0.00 50.00 0.00 16.00 0.00 23.22 0.00 0.12
6 500.00 750.00 8,142.00 53,991.00 9.60 63.67 6,683.88 19,536.28 1.08 3.15 0.00 1.00 0.00 50.00 0.00 16.00 0.00 23.22 0.00 0.08
7 750.00 1,000.00 6,848.00 60,839.00 8.08 71.75 7,999.63 27,535.91 1.29 4.44 1.00 2.00 50.00 100.00 52.92 68.92 76.78 100.00 0.66 0.25
8 1,000.00 1,500.00 6,675.00 67,514.00 7.87 79.62 10,959.77 38,495.68 1.77 6.21 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.18
9 1,500.00 2,000.00 3,945.00 71,459.00 4.65 84.27 9,195.74 47,691.42 1.48 7.70 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.14
10 2,000.00 2,500.00 2,419.00 73,878.00 2.85 87.13 7,193.69 54,885.11 1.16 8.86 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.13
11 2,500.00 3,000.00 1,821.00 75,699.00 2.15 89.27 6,651.08 61,536.19 1.07 9.93 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.11
12 3,000.00 4,000.00 2,143.00 77,842.00 2.53 91.80 9,863.56 71,399.75 1.59 11.53 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.10
13 4,000.00 5,000.00 1,425.00 79,267.00 1.68 93.48 8,590.76 79,990.51 1.39 12.91 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.09
14 5,000.00 7,500.00 1,704.00 80,971.00 2.01 95.49 13,590.33 93,580.84 2.19 15.11 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.07
15 7,500.00 10,000.00 937.00 81,908.00 1.11 96.60 11,097.17 104,678.01 1.79 16.90 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.07
16 10,000.00 20,000.00 1,201.00 83,109.00 1.42 98.01 23,434.80 128,112.81 3.78 20.68 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.05
17 20,000.00 50,000.00 794.00 83,903.00 0.94 98.95 33,394.18 161,506.98 5.39 26.07 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.04
18 50,000.00 100,000.00 337.00 84,240.00 0.40 99.35 34,092.91 195,599.90 5.50 31.57 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.04
19 100,000.00 500,000.00 474.00 84,714.00 0.56 99.91 140,866.65 336,466.55 22.74 54.31 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.02
20 500,000.00 UP 80.00 84,794.00 0.09 100.00 283,045.70 619,512.25 45.69 100.00 0.00 2.00 0.00 100.00 0.00 68.92 0.00 100.00 0.00 0.01
53

RISK & LOSS PROFILE

As At 30/06/2015


BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 9.00 9.00 1.87 1.87 0.22 0.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 0.00 9.00 0.00 1.87 0.07 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 6.00 15.00 1.24 3.11 1.30 1.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 12.00 27.00 2.49 5.60 4.79 6.38 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 21.00 48.00 4.36 9.96 12.05 18.42 0.03 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 26.00 74.00 5.39 15.35 21.73 40.15 0.06 0.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 14.00 88.00 2.90 18.26 16.35 56.51 0.05 0.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 16.00 104.00 3.32 21.58 35.61 92.12 0.10 0.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 18.00 122.00 3.73 25.31 37.09 129.21 0.11 0.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 17.00 139.00 3.53 28.84 57.22 186.43 0.16 0.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 13.00 152.00 2.70 31.54 54.48 240.91 0.16 0.69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 20.00 172.00 4.15 35.68 100.01 340.92 0.29 0.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 16.00 188.00 3.32 39.00 138.68 479.59 0.40 1.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 36.00 224.00 7.47 46.47 315.60 795.19 0.90 2.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 18.00 242.00 3.73 50.21 251.99 1,047.18 0.72 3.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 33.00 275.00 6.85 57.05 686.88 1,734.06 1.97 4.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 58.00 333.00 12.03 69.09 2,793.75 4,527.81 8.00 12.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.00 78.00 411.00 16.18 85.27 7,878.49 12,406.30 22.56 35.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19 100,000.00 500,000.00 68.00 479.00 14.11 99.38 14,907.45 27,313.75 42.69 78.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20 500,000.00 UP 3.00 482.00 0.62 100.00 7,604.09 34,917.83 21.78 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
54

RISK & LOSS PROFILE

As At 30/06/2015


BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 8,479.00 8,479.00 8.45 8.45 370.00 370.00 0.02 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 8,875.00 17,354.00 8.85 17.30 1,019.94 1,389.94 0.06 0.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 9,228.00 26,582.00 9.20 26.50 2,080.50 3,470.44 0.12 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 6,206.00 32,788.00 6.19 32.69 2,392.36 5,862.80 0.14 0.34 1.00 1.00 2.22 2.22 292.30 292.30 0.10 0.10 12.22 4.99
5 300.00 500.00 9,479.00 42,267.00 9.45 42.14 5,849.57 11,712.37 0.34 0.68 3.00 4.00 6.67 8.89 237.23 529.53 0.08 0.17 4.06 4.52
6 500.00 750.00 8,136.00 50,403.00 8.11 50.26 7,402.30 19,114.67 0.43 1.12 2.00 6.00 4.44 13.33 352.37 881.90 0.12 0.29 4.76 4.61
7 750.00 1,000.00 8,390.00 58,793.00 8.37 58.62 11,065.61 30,180.28 0.65 1.76 6.00 12.00 13.33 26.67 654.66 1,536.56 0.21 0.50 5.92 5.09
8 1,000.00 1,500.00 13,397.00 72,190.00 13.36 71.98 23,642.79 53,823.07 1.38 3.14 14.00 26.00 31.11 57.78 637.95 2,174.51 0.21 0.71 2.70 4.04
9 1,500.00 2,000.00 5,543.00 77,733.00 5.53 77.51 14,150.60 67,973.67 0.83 3.97 2.00 28.00 4.44 62.22 184.54 2,359.04 0.06 0.77 1.30 3.47
10 2,000.00 2,500.00 3,341.00 81,074.00 3.33 80.84 11,075.97 79,049.64 0.65 4.61 0.00 28.00 0.00 62.22 0.00 2,359.04 0.00 0.77 0.00 2.98
11 2,500.00 3,000.00 2,450.00 83,524.00 2.44 83.28 9,839.74 88,889.38 0.57 5.19 1.00 29.00 2.22 64.44 756.11 3,115.15 0.25 1.02 7.68 3.50
12 3,000.00 4,000.00 2,994.00 86,518.00 2.99 86.27 15,233.09 104,122.47 0.89 6.07 3.00 32.00 6.67 71.11 495.29 3,610.44 0.16 1.18 3.25 3.47
13 4,000.00 5,000.00 2,236.00 88,754.00 2.23 88.50 14,679.54 118,802.00 0.86 6.93 0.00 32.00 0.00 71.11 0.00 3,610.44 0.00 1.18 0.00 3.04
14 5,000.00 7,500.00 2,892.00 91,646.00 2.88 91.38 25,742.44 144,544.44 1.50 8.43 2.00 34.00 4.44 75.56 612.65 4,223.10 0.20 1.38 2.38 2.92
15 7,500.00 10,000.00 1,911.00 93,557.00 1.91 93.28 24,304.58 168,849.03 1.42 9.85 1.00 35.00 2.22 77.78 9.18 4,232.28 0.00 1.38 0.04 2.51
16 10,000.00 20,000.00 2,806.00 96,363.00 2.80 96.08 56,408.95 225,257.98 3.29 13.14 2.00 37.00 4.44 82.22 551.06 4,783.34 0.18 1.56 0.98 2.12
17 20,000.00 50,000.00 2,226.00 98,589.00 2.22 98.30 98,806.35 324,064.33 5.76 18.91 1.00 38.00 2.22 84.44 29.98 4,813.31 0.01 1.57 0.03 1.49
18 50,000.00 100,000.00 862.00 99,451.00 0.86 99.16 84,561.02 408,625.35 4.93 23.84 3.00 41.00 6.67 91.11 29,398.39 34,211.70 9.60 11.17 34.77 8.37
19 100,000.00 500,000.00 723.00 100,174.00 0.72 99.88 199,369.16 607,994.51 11.63 35.47 4.00 45.00 8.89 100.00 272,001.27 306,212.97 88.83 100.00 136.43 50.36
20 500,000.00 UP 118.00 100,292.00 0.12 100.00 1,106,079.76 1,714,074.27 64.53 100.00 0.00 45.00 0.00 100.00 0.00 306,212.97 0.00 100.00 0.00 17.86
55

RISK & LOSS PROFILE

As At 30/06/2015


BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 1,686.00 1,686.00 9.24 9.24 44.02 44.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 404.00 2,090.00 2.21 11.45 46.73 90.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 619.00 2,709.00 3.39 14.84 147.18 237.93 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 578.00 3,287.00 3.17 18.01 198.79 436.72 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 759.00 4,046.00 4.16 22.17 476.68 913.40 0.02 0.05 1.00 1.00 20.00 20.00 17.42 17.42 1.00 1.00 3.65 1.91
6 500.00 750.00 777.00 4,823.00 4.26 26.42 752.80 1,666.20 0.04 0.08 0.00 1.00 0.00 20.00 0.00 17.42 0.00 1.00 0.00 1.05
7 750.00 1,000.00 663.00 5,486.00 3.63 30.06 879.39 2,545.58 0.04 0.13 0.00 1.00 0.00 20.00 0.00 17.42 0.00 1.00 0.00 0.68
8 1,000.00 1,500.00 1,045.00 6,531.00 5.73 35.78 1,953.95 4,499.53 0.10 0.22 0.00 1.00 0.00 20.00 0.00 17.42 0.00 1.00 0.00 0.39
9 1,500.00 2,000.00 779.00 7,310.00 4.27 40.05 2,068.09 6,567.62 0.10 0.32 0.00 1.00 0.00 20.00 0.00 17.42 0.00 1.00 0.00 0.27
10 2,000.00 2,500.00 627.00 7,937.00 3.44 43.49 2,199.45 8,767.07 0.11 0.43 1.00 2.00 20.00 40.00 42.55 59.97 2.43 3.43 1.93 0.68
11 2,500.00 3,000.00 539.00 8,476.00 2.95 46.44 2,212.49 10,979.56 0.11 0.54 1.00 3.00 20.00 60.00 36.67 96.65 2.10 5.52 1.66 0.88
12 3,000.00 4,000.00 763.00 9,239.00 4.18 50.62 3,984.23 14,963.79 0.20 0.74 1.00 4.00 20.00 80.00 54.83 151.47 3.13 8.65 1.38 1.01
13 4,000.00 5,000.00 628.00 9,867.00 3.44 54.06 4,201.09 19,164.88 0.21 0.94 0.00 4.00 0.00 80.00 0.00 151.47 0.00 8.65 0.00 0.79
14 5,000.00 7,500.00 1,098.00 10,965.00 6.02 60.08 9,845.30 29,010.17 0.49 1.43 0.00 4.00 0.00 80.00 0.00 151.47 0.00 8.65 0.00 0.52
15 7,500.00 10,000.00 893.00 11,858.00 4.89 64.97 11,846.49 40,856.67 0.58 2.01 1.00 5.00 20.00 100.00 1,598.88 1,750.36 91.35 100.00 13.50 4.28
16 10,000.00 20,000.00 1,629.00 13,487.00 8.93 73.89 34,778.57 75,635.24 1.71 3.73 0.00 5.00 0.00 100.00 0.00 1,750.36 0.00 100.00 0.00 2.31
17 20,000.00 50,000.00 1,798.00 15,285.00 9.85 83.74 84,427.62 160,062.87 4.16 7.89 0.00 5.00 0.00 100.00 0.00 1,750.36 0.00 100.00 0.00 1.09
18 50,000.00 100,000.00 1,187.00 16,472.00 6.50 90.25 122,967.14 283,030.00 6.06 13.95 0.00 5.00 0.00 100.00 0.00 1,750.36 0.00 100.00 0.00 0.62
19 100,000.00 500,000.00 1,309.00 17,781.00 7.17 97.42 416,721.96 699,751.97 20.54 34.49 0.00 5.00 0.00 100.00 0.00 1,750.36 0.00 100.00 0.00 0.25
20 500,000.00 UP 471.00 18,252.00 2.58 100.00 1,328,983.99 2,028,735.96 65.51 100.00 0.00 5.00 0.00 100.00 0.00 1,750.36 0.00 100.00 0.00 0.09
56

RISK & LOSS PROFILE

As At 30/06/2015


BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 5,589.00 5,589.00 8.05 8.05 217.72 217.72 0.05 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 5,288.00 10,877.00 7.61 15.66 607.83 825.56 0.13 0.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 9,284.00 20,161.00 13.36 29.02 2,059.43 2,884.99 0.43 0.61 2.00 2.00 28.57 28.57 7.46 7.46 7.52 7.52 0.36 0.26
4 200.00 300.00 7,123.00 27,284.00 10.25 39.28 2,601.60 5,486.59 0.55 1.16 2.00 4.00 28.57 57.14 34.92 42.39 35.19 42.71 1.34 0.77
5 300.00 500.00 9,475.00 36,759.00 13.64 52.92 5,393.11 10,879.69 1.14 2.29 0.00 4.00 0.00 57.14 0.00 42.39 0.00 42.71 0.00 0.39
6 500.00 750.00 6,507.00 43,266.00 9.37 62.28 5,591.98 16,471.67 1.18 3.47 2.00 6.00 28.57 85.71 11.89 54.28 11.98 54.69 0.21 0.33
7 750.00 1,000.00 5,385.00 48,651.00 7.75 70.03 6,522.79 22,994.46 1.38 4.85 0.00 6.00 0.00 85.71 0.00 54.28 0.00 54.69 0.00 0.24
8 1,000.00 1,500.00 5,415.00 54,066.00 7.80 77.83 9,311.48 32,305.94 1.96 6.81 1.00 7.00 14.29 100.00 44.97 99.24 45.31 100.00 0.48 0.31
9 1,500.00 2,000.00 3,263.00 57,329.00 4.70 82.53 7,910.01 40,215.95 1.67 8.48 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.25
10 2,000.00 2,500.00 2,008.00 59,337.00 2.89 85.42 6,274.43 46,490.38 1.32 9.81 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.21
11 2,500.00 3,000.00 1,507.00 60,844.00 2.17 87.59 5,868.00 52,358.38 1.24 11.04 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.19
12 3,000.00 4,000.00 1,961.00 62,805.00 2.82 90.41 9,487.57 61,845.95 2.00 13.04 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.16
13 4,000.00 5,000.00 1,213.00 64,018.00 1.75 92.16 7,591.69 69,437.64 1.60 14.65 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.14
14 5,000.00 7,500.00 1,589.00 65,607.00 2.29 94.44 13,370.73 82,808.37 2.82 17.47 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.12
15 7,500.00 10,000.00 921.00 66,528.00 1.33 95.77 11,396.13 94,204.50 2.40 19.87 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.11
16 10,000.00 20,000.00 1,333.00 67,861.00 1.92 97.69 26,381.42 120,585.92 5.56 25.43 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.08
17 20,000.00 50,000.00 803.00 68,664.00 1.16 98.84 35,806.41 156,392.33 7.55 32.99 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.06
18 50,000.00 100,000.00 361.00 69,025.00 0.52 99.36 38,819.82 195,212.15 8.19 41.17 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.05
19 100,000.00 500,000.00 368.00 69,393.00 0.53 99.89 127,152.07 322,364.22 26.82 67.99 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.03
20 500,000.00 UP 74.00 69,467.00 0.11 100.00 151,744.29 474,108.51 32.01 100.00 0.00 7.00 0.00 100.00 0.00 99.24 0.00 100.00 0.00 0.02
57

RISK & LOSS PROFILE

As At 30/06/2015


BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 3.00 3.00 0.71 0.71 0.25 0.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 3.00 6.00 0.71 1.43 0.61 0.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 4.00 10.00 0.95 2.38 1.07 1.93 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 9.00 19.00 2.14 4.52 3.20 5.13 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 18.00 37.00 4.29 8.81 10.51 15.64 0.04 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 31.00 68.00 7.38 16.19 28.12 43.76 0.10 0.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 9.00 77.00 2.14 18.33 13.92 57.68 0.05 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 16.00 93.00 3.81 22.14 28.09 85.76 0.10 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 23.00 116.00 5.48 27.62 54.94 140.71 0.19 0.48 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 11.00 127.00 2.62 30.24 35.38 176.09 0.12 0.60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 19.00 146.00 4.52 34.76 59.18 235.27 0.20 0.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 18.00 164.00 4.29 39.05 71.42 306.69 0.24 1.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 13.00 177.00 3.10 42.14 98.66 405.35 0.34 1.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 30.00 207.00 7.14 49.29 246.98 652.33 0.84 2.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 21.00 228.00 5.00 54.29 265.21 917.54 0.90 3.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 28.00 256.00 6.67 60.95 499.62 1,417.16 1.70 4.82 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 58.00 314.00 13.81 74.76 2,645.23 4,062.38 8.99 13.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.00 48.00 362.00 11.43 86.19 4,367.47 8,429.85 14.85 28.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19 100,000.00 500,000.00 52.00 414.00 12.38 98.57 12,434.00 20,863.85 42.26 70.92 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20 500,000.00 UP 6.00 420.00 1.43 100.00 8,555.38 29,419.23 29.08 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
58

RISK & LOSS PROFILE

As At 30/06/2015


BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 10,441.00 10,441.00 11.06 11.06 475.98 475.98 0.07 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 8,601.00 19,042.00 9.11 20.17 1,033.45 1,509.43 0.16 0.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 9,704.00 28,746.00 10.28 30.45 2,156.50 3,665.92 0.33 0.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 6,312.00 35,058.00 6.69 37.14 2,394.45 6,060.37 0.37 0.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 9,327.00 44,385.00 9.88 47.02 5,700.52 11,760.89 0.88 1.82 1.00 1.00 7.14 7.14 17.44 17.44 1.04 1.04 0.31 0.15
6 500.00 750.00 7,204.00 51,589.00 7.63 54.66 6,591.89 18,352.79 1.02 2.84 0.00 1.00 0.00 7.14 0.00 17.44 0.00 1.04 0.00 0.10
7 750.00 1,000.00 8,514.00 60,103.00 9.02 63.68 11,159.84 29,512.63 1.73 4.57 0.00 1.00 0.00 7.14 0.00 17.44 0.00 1.04 0.00 0.06
8 1,000.00 1,500.00 10,605.00 70,708.00 11.24 74.91 18,631.97 48,144.60 2.88 7.45 0.00 1.00 0.00 7.14 0.00 17.44 0.00 1.04 0.00 0.04
9 1,500.00 2,000.00 4,656.00 75,364.00 4.93 79.84 12,088.49 60,233.09 1.87 9.32 3.00 4.00 21.43 28.57 410.61 428.05 24.58 25.62 3.40 0.71
10 2,000.00 2,500.00 2,706.00 78,070.00 2.87 82.71 8,762.03 68,995.12 1.36 10.68 1.00 5.00 7.14 35.71 62.33 490.38 3.73 29.35 0.71 0.71
11 2,500.00 3,000.00 2,110.00 80,180.00 2.24 84.95 8,408.16 77,403.28 1.30 11.98 0.00 5.00 0.00 35.71 0.00 490.38 0.00 29.35 0.00 0.63
12 3,000.00 4,000.00 2,642.00 82,822.00 2.80 87.75 13,409.29 90,812.57 2.08 14.05 0.00 5.00 0.00 35.71 0.00 490.38 0.00 29.35 0.00 0.54
13 4,000.00 5,000.00 1,883.00 84,705.00 1.99 89.74 12,289.92 103,102.48 1.90 15.96 0.00 5.00 0.00 35.71 0.00 490.38 0.00 29.35 0.00 0.48
14 5,000.00 7,500.00 2,489.00 87,194.00 2.64 92.38 21,421.81 124,524.29 3.32 19.27 2.00 7.00 14.29 50.00 319.96 810.33 19.15 48.51 1.49 0.65
15 7,500.00 10,000.00 1,592.00 88,786.00 1.69 94.06 19,720.02 144,244.31 3.05 22.32 2.00 9.00 14.29 64.29 555.00 1,365.33 33.22 81.73 2.81 0.95
16 10,000.00 20,000.00 2,413.00 91,199.00 2.56 96.62 47,777.47 192,021.78 7.39 29.72 4.00 13.00 28.57 92.86 301.07 1,666.41 18.02 99.75 0.63 0.87
17 20,000.00 50,000.00 1,778.00 92,977.00 1.88 98.50 75,079.75 267,101.54 11.62 41.34 0.00 13.00 0.00 92.86 0.00 1,666.41 0.00 99.75 0.00 0.62
18 50,000.00 100,000.00 780.00 93,757.00 0.83 99.33 69,664.11 336,765.65 10.78 52.12 0.00 13.00 0.00 92.86 0.00 1,666.41 0.00 99.75 0.00 0.49
19 100,000.00 500,000.00 537.00 94,294.00 0.57 99.90 150,502.86 487,268.50 23.29 75.41 1.00 14.00 7.14 100.00 4.14 1,670.54 0.25 100.00 0.00 0.34
20 500,000.00 UP 95.00 94,389.00 0.10 100.00 158,871.25 646,139.75 24.59 100.00 0.00 14.00 0.00 100.00 0.00 1,670.54 0.00 100.00 0.00 0.26
59

RISK & LOSS PROFILE

As At 30/06/2015


BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 990.00 990.00 5.79 5.79 34.05 34.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 486.00 1,476.00 2.84 8.63 54.99 89.04 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 720.00 2,196.00 4.21 12.84 167.19 256.23 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 677.00 2,873.00 3.96 16.80 247.88 504.11 0.02 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 824.00 3,697.00 4.82 21.62 518.20 1,022.31 0.03 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 735.00 4,432.00 4.30 25.92 703.42 1,725.73 0.04 0.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 687.00 5,119.00 4.02 29.94 943.79 2,669.51 0.06 0.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 1,003.00 6,122.00 5.87 35.80 2,003.78 4,673.29 0.12 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 715.00 6,837.00 4.18 39.98 1,935.62 6,608.91 0.12 0.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 604.00 7,441.00 3.53 43.52 2,035.32 8,644.23 0.13 0.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 531.00 7,972.00 3.11 46.62 2,200.27 10,844.50 0.14 0.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 767.00 8,739.00 4.49 51.11 3,995.22 14,839.73 0.25 0.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 604.00 9,343.00 3.53 54.64 3,985.47 18,825.20 0.25 1.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 1,069.00 10,412.00 6.25 60.89 9,578.45 28,403.65 0.59 1.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 815.00 11,227.00 4.77 65.66 10,146.42 38,550.07 0.62 2.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 1,564.00 12,791.00 9.15 74.81 31,801.19 70,351.26 1.96 4.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 1,705.00 14,496.00 9.97 84.78 76,649.27 147,000.54 4.72 9.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.00 1,001.00 15,497.00 5.85 90.63 98,362.50 245,363.04 6.06 15.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19 100,000.00 500,000.00 1,201.00 16,698.00 7.02 97.65 343,852.72 589,215.75 21.17 36.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20 500,000.00 UP 401.00 17,099.00 2.35 100.00 1,034,693.20 1,623,908.96 63.72 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
60

RISK & LOSS PROFILE

As At 30/06/2015


BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 5,907.00 5,907.00 9.65 9.65 178.70 178.70 0.05 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 4,478.00 10,385.00 7.32 16.97 505.24 683.94 0.15 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 8,786.00 19,171.00 14.36 31.33 1,907.97 2,591.92 0.55 0.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 6,648.00 25,819.00 10.86 42.20 2,415.65 5,007.57 0.70 1.45 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 8,845.00 34,664.00 14.46 56.65 5,054.06 10,061.63 1.46 2.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 5,755.00 40,419.00 9.41 66.06 4,947.72 15,009.35 1.43 4.34 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 4,748.00 45,167.00 7.76 73.82 5,754.28 20,763.63 1.66 6.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 4,500.00 49,667.00 7.35 81.17 7,659.82 28,423.45 2.21 8.22 1.00 1.00 100.00 100.00 50.00 50.00 100.00 100.00 0.65 0.18
9 1,500.00 2,000.00 2,587.00 52,254.00 4.23 85.40 6,241.25 34,664.70 1.80 10.02 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.14
10 2,000.00 2,500.00 1,556.00 53,810.00 2.54 87.94 4,845.33 39,510.03 1.40 11.42 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.13
11 2,500.00 3,000.00 1,218.00 55,028.00 1.99 89.93 4,634.16 44,144.18 1.34 12.76 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.11
12 3,000.00 4,000.00 1,422.00 56,450.00 2.32 92.26 6,939.26 51,083.44 2.01 14.77 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.10
13 4,000.00 5,000.00 908.00 57,358.00 1.48 93.74 5,868.07 56,951.52 1.70 16.46 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.09
14 5,000.00 7,500.00 1,186.00 58,544.00 1.94 95.68 10,263.28 67,214.80 2.97 19.43 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.07
15 7,500.00 10,000.00 679.00 59,223.00 1.11 96.79 8,620.33 75,835.13 2.49 21.92 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.07
16 10,000.00 20,000.00 902.00 60,125.00 1.47 98.26 20,008.74 95,843.87 5.78 27.71 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.05
17 20,000.00 50,000.00 524.00 60,649.00 0.86 99.12 24,536.49 120,380.36 7.09 34.80 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.04
18 50,000.00 100,000.00 221.00 60,870.00 0.36 99.48 21,633.28 142,013.64 6.25 41.05 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.04
19 100,000.00 500,000.00 275.00 61,145.00 0.45 99.93 88,120.28 230,133.92 25.47 66.53 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.02
20 500,000.00 UP 44.00 61,189.00 0.07 100.00 115,787.78 345,921.69 33.47 100.00 0.00 1.00 0.00 100.00 0.00 50.00 0.00 100.00 0.00 0.01
61

RISK & LOSS PROFILE

As At 30/06/2015

OCCUPATION :AGRICULTURAL

BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 5.00 5.00 1.32 1.32 0.54 0.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 5.00 10.00 1.32 2.64 1.06 1.59 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 10.00 20.00 2.64 5.28 4.55 6.14 0.02 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 8.00 28.00 2.11 7.39 4.97 11.11 0.02 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 10.00 38.00 2.64 10.03 9.37 20.48 0.04 0.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 16.00 54.00 4.22 14.25 16.06 36.53 0.07 0.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 6.00 60.00 1.58 15.83 6.32 42.85 0.03 0.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 26.00 86.00 6.86 22.69 51.87 94.72 0.22 0.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 15.00 101.00 3.96 26.65 40.90 135.62 0.17 0.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 12.00 113.00 3.17 29.82 44.72 180.34 0.19 0.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 13.00 126.00 3.43 33.25 52.69 233.03 0.22 0.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 14.00 140.00 3.69 36.94 68.58 301.61 0.29 1.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 7.00 147.00 1.85 38.79 54.14 355.75 0.23 1.49 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 20.00 167.00 5.28 44.06 155.53 511.28 0.65 2.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 23.00 190.00 6.07 50.13 247.82 759.10 1.04 3.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 32.00 222.00 8.44 58.58 536.16 1,295.26 2.24 5.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 63.00 285.00 16.62 75.20 2,483.45 3,778.71 10.39 15.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.00 47.00 332.00 12.40 87.60 4,569.84 8,348.55 19.12 34.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19 100,000.00 500,000.00 40.00 372.00 10.55 98.15 7,644.18 15,992.73 31.99 66.92 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20 500,000.00 UP 7.00 379.00 1.85 100.00 7,904.59 23,897.32 33.08 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
62

RISK & LOSS PROFILE

As At 30/06/2015

OCCUPATION :COMMERCIAL

BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 12,635.00 12,635.00 13.82 13.82 520.92 520.92 0.07 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 7,888.00 20,523.00 8.63 22.45 941.94 1,462.86 0.12 0.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 9,530.00 30,053.00 10.42 32.87 2,169.73 3,632.59 0.29 0.48 1.00 1.00 1.61 1.61 4.82 4.82 0.08 0.08 0.22 0.13
4 200.00 300.00 6,257.00 36,310.00 6.84 39.72 2,328.55 5,961.13 0.31 0.79 1.00 2.00 1.61 3.23 6.98 11.80 0.11 0.19 0.30 0.20
5 300.00 500.00 9,455.00 45,765.00 10.34 50.06 5,734.49 11,695.62 0.76 1.54 16.00 18.00 25.81 29.03 65.99 77.79 1.04 1.22 1.15 0.67
6 500.00 750.00 6,700.00 52,465.00 7.33 57.39 6,030.26 17,725.89 0.80 2.34 3.00 21.00 4.84 33.87 111.19 188.98 1.74 2.96 1.84 1.07
7 750.00 1,000.00 8,385.00 60,850.00 9.17 66.56 11,235.60 28,961.49 1.48 3.82 1.00 22.00 1.61 35.48 62.47 251.45 0.98 3.94 0.56 0.87
8 1,000.00 1,500.00 8,429.00 69,279.00 9.22 75.78 15,159.07 44,120.56 2.00 5.82 2.00 24.00 3.23 38.71 107.84 359.29 1.69 5.64 0.71 0.81
9 1,500.00 2,000.00 4,191.00 73,470.00 4.58 80.36 10,679.55 54,800.10 1.41 7.23 4.00 28.00 6.45 45.16 373.42 732.70 5.86 11.49 3.50 1.34
10 2,000.00 2,500.00 2,591.00 76,061.00 2.83 83.19 8,398.39 63,198.50 1.11 8.34 2.00 30.00 3.23 48.39 164.22 896.92 2.58 14.07 1.96 1.42
11 2,500.00 3,000.00 1,976.00 78,037.00 2.16 85.36 7,949.19 71,147.69 1.05 9.38 2.00 32.00 3.23 51.61 179.63 1,076.55 2.82 16.89 2.26 1.51
12 3,000.00 4,000.00 2,562.00 80,599.00 2.80 88.16 12,763.72 83,911.40 1.68 11.07 3.00 35.00 4.84 56.45 104.87 1,181.42 1.64 18.53 0.82 1.41
13 4,000.00 5,000.00 1,859.00 82,458.00 2.03 90.19 12,133.93 96,045.34 1.60 12.67 3.00 38.00 4.84 61.29 210.40 1,391.82 3.30 21.83 1.73 1.45
14 5,000.00 7,500.00 2,372.00 84,830.00 2.59 92.79 20,397.28 116,442.62 2.69 15.36 7.00 45.00 11.29 72.58 510.56 1,902.38 8.01 29.84 2.50 1.63
15 7,500.00 10,000.00 1,487.00 86,317.00 1.63 94.41 18,559.88 135,002.50 2.45 17.81 2.00 47.00 3.23 75.81 203.02 2,105.40 3.18 33.02 1.09 1.56
16 10,000.00 20,000.00 2,302.00 88,619.00 2.52 96.93 44,071.74 179,074.24 5.81 23.62 2.00 49.00 3.23 79.03 596.76 2,702.16 9.36 42.38 1.35 1.51
17 20,000.00 50,000.00 1,680.00 90,299.00 1.84 98.77 71,930.51 251,004.75 9.49 33.11 7.00 56.00 11.29 90.32 3,013.72 5,715.89 47.27 89.66 4.19 2.28
18 50,000.00 100,000.00 622.00 90,921.00 0.68 99.45 61,637.08 312,641.83 8.13 41.23 2.00 58.00 3.23 93.55 446.27 6,162.15 7.00 96.66 0.72 1.97
19 100,000.00 500,000.00 431.00 91,352.00 0.47 99.92 117,476.13 430,117.95 15.49 56.73 4.00 62.00 6.45 100.00 213.16 6,375.31 3.34 100.00 0.18 1.48
20 500,000.00 UP 74.00 91,426.00 0.08 100.00 328,082.08 758,200.03 43.27 100.00 0.00 62.00 0.00 100.00 0.00 6,375.31 0.00 100.00 0.00 0.84
63

RISK & LOSS PROFILE

As At 30/06/2015

OCCUPATION :INDUSTRIAL

BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 501.00 501.00 3.34 3.34 16.38 16.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 288.00 789.00 1.92 5.26 36.30 52.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
3 100.00 200.00 554.00 1,343.00 3.69 8.96 133.94 186.62 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 200.00 300.00 386.00 1,729.00 2.57 11.53 163.39 350.01 0.01 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
5 300.00 500.00 686.00 2,415.00 4.57 16.10 445.59 795.60 0.03 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
6 500.00 750.00 583.00 2,998.00 3.89 19.99 586.06 1,381.65 0.03 0.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
7 750.00 1,000.00 663.00 3,661.00 4.42 24.41 915.28 2,296.94 0.05 0.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
8 1,000.00 1,500.00 955.00 4,616.00 6.37 30.78 1,846.17 4,143.11 0.11 0.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 1,500.00 2,000.00 708.00 5,324.00 4.72 35.50 1,933.47 6,076.57 0.11 0.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
10 2,000.00 2,500.00 544.00 5,868.00 3.63 39.13 1,800.67 7,877.24 0.11 0.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
11 2,500.00 3,000.00 471.00 6,339.00 3.14 42.27 2,057.10 9,934.34 0.12 0.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
12 3,000.00 4,000.00 735.00 7,074.00 4.90 47.17 3,648.53 13,582.87 0.22 0.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
13 4,000.00 5,000.00 593.00 7,667.00 3.95 51.12 3,880.39 17,463.26 0.23 1.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 5,000.00 7,500.00 955.00 8,622.00 6.37 57.49 8,305.72 25,768.99 0.49 1.52 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15 7,500.00 10,000.00 763.00 9,385.00 5.09 62.58 9,631.68 35,400.67 0.57 2.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
16 10,000.00 20,000.00 1,427.00 10,812.00 9.52 72.09 28,916.60 64,317.27 1.70 3.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
17 20,000.00 50,000.00 1,638.00 12,450.00 10.92 83.02 70,599.83 134,917.10 4.16 7.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
18 50,000.00 100,000.00 919.00 13,369.00 6.13 89.14 81,786.23 216,703.33 4.82 12.77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
19 100,000.00 500,000.00 1,204.00 14,573.00 8.03 97.17 328,054.23 544,757.56 19.33 32.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
20 500,000.00 UP 424.00 14,997.00 2.83 100.00 1,152,053.49 1,696,811.05 67.90 100.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
64

RISK & LOSS PROFILE

As At 30/06/2015

OCCUPATION :RESIDENTIAL

BAND
F Rp F
∑(d) ∑(h) ∑(l)
1 0.00 50.00 3,733.00 3,733.00 6.31 6.31 147.15 147.15 0.04 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
2 50.00 100.00 4,668.00 8,401.00 7.89 14.21 550.18 697.33 0.16 0.20 1.00 1.00 4.00 4.00 3.80 3.80 1.36 1.36 0.69 0.55
3 100.00 200.00 9,162.00 17,563.00 15.49 29.70 1,988.70 2,686.03 0.58 0.78 3.00 4.00 12.00 16.00 79.38 83.18 28.37 29.73 3.99 3.10
4 200.00 300.00 6,877.00 24,440.00 11.63 41.33 2,390.51 5,076.54 0.70 1.48 1.00 5.00 4.00 20.00 5.53 88.71 1.98 31.71 0.23 1.75
5 300.00 500.00 9,052.00 33,492.00 15.31 56.63 5,004.98 10,081.52 1.46 2.94 8.00 13.00 32.00 52.00 11.12 99.83 3.98 35.69 0.22 0.99
6 500.00 750.00 5,894.00 39,386.00 9.97 66.60 4,934.30 15,015.81 1.44 4.39 4.00 17.00 16.00 68.00 43.05 142.89 15.39 51.08 0.87 0.95
7 750.00 1,000.00 4,492.00 43,878.00 7.60 74.20 5,311.25 20,327.06 1.55 5.94 2.00 19.00 8.00 76.00 13.45 156.34 4.81 55.89 0.25 0.77
8 1,000.00 1,500.00 4,279.00 48,157.00 7.24 81.43 7,209.29 27,536.35 2.11 8.04 2.00 21.00 8.00 84.00 25.21 181.55 9.01 64.90 0.35 0.66
9 1,500.00 2,000.00 2,456.00 50,613.00 4.15 85.58 5,846.57 33,382.91 1.71 9.75 1.00 22.00 4.00 88.00 48.70 230.25 17.41 82.31 0.83 0.69
10 2,000.00 2,500.00 1,491.00 52,104.00 2.52 88.11 4,606.33 37,989.24 1.35 11.09 0.00 22.00 0.00 88.00 0.00 230.25 0.00 82.31 0.00 0.61
11 2,500.00 3,000.00 1,192.00 53,296.00 2.02 90.12 4,383.63 42,372.87 1.28 12.37 1.00 23.00 4.00 92.00 13.67 243.92 4.88 87.19 0.31 0.58
12 3,000.00 4,000.00 1,373.00 54,669.00 2.32 92.44 6,614.77 48,987.64 1.93 14.31 0.00 23.00 0.00 92.00 0.00 243.92 0.00 87.19 0.00 0.50
13 4,000.00 5,000.00 865.00 55,534.00 1.46 93.91 5,364.81 54,352.45 1.57 15.87 0.00 23.00 0.00 92.00 0.00 243.92 0.00 87.19 0.00 0.45
14 5,000.00 7,500.00 1,122.00 56,656.00 1.90 95.80 9,908.27 64,260.72 2.89 18.77 1.00 24.00 4.00 96.00 10.67 254.59 3.81 91.01 0.11 0.40
15 7,500.00 10,000.00 641.00 57,297.00 1.08 96.89 8,174.52 72,435.24 2.39 21.15 0.00 24.00 0.00 96.00 0.00 254.59 0.00 91.01 0.00 0.35
16 10,000.00 20,000.00 810.00 58,107.00 1.37 98.26 18,456.08 90,891.33 5.39 26.54 0.00 24.00 0.00 96.00 0.00 254.59 0.00 91.01 0.00 0.28
17 20,000.00 50,000.00 533.00 58,640.00 0.90 99.16 24,545.68 115,437.01 7.17 33.71 1.00 25.00 4.00 100.00 25.15 279.74 8.99 100.00 0.10 0.24
18 50,000.00 100,000.00 212.00 58,852.00 0.36 99.52 22,983.37 138,420.38 6.71 40.42 0.00 25.00 0.00 100.00 0.00 279.74 0.00 100.00 0.00 0.20
19 100,000.00 500,000.00 243.00 59,095.00 0.41 99.93 80,148.12 218,568.50 23.41 63.83 0.00 25.00 0.00 100.00 0.00 279.74 0.00 100.00 0.00 0.13
20 500,000.00 UP 43.00 59,138.00 0.07 100.00 123,845.51 342,414.01 36.17 100.00 0.00 25.00 0.00 100.00 0.00 279.74 0.00 100.00 0.00 0.08
65

NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY CRESTA ZONE
As At 30/06/2015
UNDERWRITING YEAR : 2011 PROCESSING DATE : 27/07/2015

POLICY STATUS : A;C;E;N;R In IDR
CRESTA ZONE NATIONAL AGGREGAT EXPOSURE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY
BANDA ACEH 1.1 4,799,061,565,236.65 0.22 7,616,473,677.40 0.27 518 0.31 363,816,500.00 5.47 4 4.60
MEDAN 1.2 46,652,172,698,019.40 2.17 54,849,290,878.55 1.94 5,777 3.48 96,659,672.63 1.45 8 9.20
OTHERS 1.3 98,732,449,809,919.40 4.58 132,329,486,203.50 4.69 4,491 2.71 156,092,898.00 2.35 2 2.30
NORTH SUMATERA 1 150,183,684,073,175.00 6.97 194,795,250,759.45 6.90 10,786 6.50 616,569,070.63 9.26 14 16.09
PADANG 2.1 16,558,741,293,262.30 0.77 30,870,980,180.28 1.09 9,869 5.95 29,390,800.00 0.44 5 5.75
PALEMBANG 2.2 15,670,152,211,490.50 0.73 14,648,819,921.46 0.52 1,443 0.87 0.00 0.00 0 0.00
OTHERS 2.3 123,060,615,053,710.00 5.71 136,969,849,762.64 4.85 16,565 9.98 2,960,841,000.00 44.49 8 9.20
SOUTH SUMATERA 2 155,289,508,558,463.00 7.21 182,489,649,864.38 6.47 27,877 16.80 2,990,231,800.00 44.93 13 14.94
JAKARTA 3.1 464,501,709,083,112.00 21.56 669,813,175,934.73 23.74 38,645 23.29 0.00 0.00 0 0.00
BANDUNG 3.2 6,881,910,055,825.06 0.32 10,069,205,917.11 0.36 1,147 0.69 67,353,075.00 1.01 1 1.15
OTHERS 3.3 607,607,677,895,557.00 28.20 837,246,086,303.36 29.68 34,085 20.54 7,100,000.00 0.11 1 1.15
WEST JAVA 3 1,078,991,297,034,490.00 50.08 1,517,128,468,155.20 53.77 73,877 44.52 74,453,075.00 1.12 2 2.30
SEMARANG 4.1 6,547,169,388,280.43 0.30 7,986,696,304.55 0.28 669 0.40 0.00 0.00 0 0.00
YOGYAKARTA 4.2 10,227,924,407,900.00 0.47 15,336,936,026.90 0.54 2,155 1.30 0.00 0.00 0 0.00
OTHERS 4.3 116,804,919,938,213.00 5.42 146,322,144,818.04 5.19 9,711 5.85 0.00 0.00 0 0.00
CENTRAL JAVA 4 133,580,013,734,394.00 6.20 169,645,777,149.49 6.01 12,535 7.55 0.00 0.00 0 0.00
SURABAYA 5.1 87,137,349,483,550.50 4.04 110,500,306,327.69 3.92 6,063 3.65 0.00 0.00 0 0.00
OTHERS 5.2 300,813,831,856,445.00 13.96 360,789,369,393.49 12.79 7,287 4.39 0.00 0.00 0 0.00
EAST JAVA 5 387,951,181,339,995.00 18.01 471,289,675,721.18 16.70 13,350 8.05 0.00 0.00 0 0.00
KALIMANTAN 6 123,120,604,752,261.00 5.71 103,644,783,974.23 3.67 5,727 3.45 0.00 0.00 0 0.00
UJUNG PANDANG 7.1 10,441,385,729,218.00 0.48 9,478,927,946.13 0.34 1,851 1.12 0.00 0.00 0 0.00
OTHERS 7.2 59,644,593,333,905.30 2.77 93,690,275,855.82 3.32 7,029 4.24 6,662,800.00 0.10 1 1.15
SULAWESI 7 70,085,979,063,123.30 3.25 103,169,203,801.95 3.66 8,880 5.35 6,662,800.00 0.10 1 1.15
OTHERS 8 55,306,297,043,097.90 2.57 79,159,595,116.55 2.81 12,908 7.78 2,967,135,986.70 44.58 57 65.52
TOTAL 2,154,508,565,599,000.00 100.00 2,821,322,404,542.43 100.00 165,940 100.00 6,655,052,732.33 100.00 87 100.00
66

As At 30/06/2015

NATIONAL AGGREGAT
CRESTA ZONE NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY
EXPOSURE
BANDA ACEH 1.1 3,853,109,114,587.20 0.20 7,270,770,334.31 0.27 588 0.34 1,430,714,900.00 83.15 6 40.00
MEDAN 1.2 39,461,037,801,624.10 2.04 49,028,982,214.66 1.85 6,002 3.47 14,936,201.00 0.87 2 13.33
OTHERS 1.3 40,046,371,005,873.30 2.07 52,543,554,383.44 1.99 4,654 2.69 0.00 0.00 0 0.00
NORTH SUMATERA 1 83,360,517,922,084.60 4.32 108,843,306,932.41 4.11 11,244 6.50 1,445,651,101.00 84.02 8 53.33
PADANG 2.1 18,866,092,244,302.70 0.98 35,565,026,539.09 1.34 10,638 6.15 0.00 0.00 0 0.00
PALEMBANG 2.2 18,924,640,233,255.90 0.98 17,692,460,684.60 0.67 1,533 0.89 0.00 0.00 0 0.00
OTHERS 2.3 134,125,533,745,810.00 6.95 155,605,893,467.28 5.88 17,378 10.04 50,000,000.00 2.91 1 6.67
SOUTH SUMATERA 2 171,916,266,223,368.00 8.90 208,863,380,690.97 7.90 29,549 17.07 50,000,000.00 2.91 1 6.67
JAKARTA 3.1 399,151,129,341,981.00 20.67 598,194,044,611.17 22.61 36,236 20.93 0.00 0.00 0 0.00
BANDUNG 3.2 10,941,392,878,987.80 0.57 16,342,793,344.50 0.62 1,986 1.15 0.00 0.00 0 0.00
OTHERS 3.3 655,965,204,624,330.00 33.97 954,203,812,153.42 36.07 36,684 21.19 17,438,200.00 1.01 1 6.67
WEST JAVA 3 1,066,057,726,845,300.00 55.20 1,568,740,650,109.09 59.30 74,906 43.27 17,438,200.00 1.01 1 6.67
SEMARANG 4.1 7,032,671,423,369.66 0.36 8,721,154,566.99 0.33 803 0.46 0.00 0.00 0 0.00
YOGYAKARTA 4.2 9,213,654,452,599.54 0.48 14,027,570,399.90 0.53 2,309 1.33 0.00 0.00 0 0.00
OTHERS 4.3 102,486,294,341,901.00 5.31 128,289,542,295.50 4.85 10,322 5.96 0.00 0.00 0 0.00
CENTRAL JAVA 4 118,732,620,217,870.00 6.15 151,038,267,262.39 5.71 13,434 7.76 0.00 0.00 0 0.00
SURABAYA 5.1 50,352,975,158,199.70 2.61 64,104,661,224.53 2.42 6,180 3.57 0.00 0.00 0 0.00
OTHERS 5.2 210,015,661,096,202.00 10.87 259,614,064,847.87 9.81 7,802 4.51 0.00 0.00 0 0.00
EAST JAVA 5 260,368,636,254,402.00 13.48 323,718,726,072.40 12.24 13,982 8.08 0.00 0.00 0 0.00
KALIMANTAN 6 101,269,813,257,791.00 5.24 93,648,111,530.21 3.54 7,633 4.41 0.00 0.00 0 0.00
UJUNG PANDANG 7.1 10,366,655,119,882.30 0.54 9,898,401,546.96 0.37 1,914 1.11 0.00 0.00 0 0.00
OTHERS 7.2 53,890,334,194,031.10 2.79 82,540,150,406.55 3.12 6,206 3.59 77,942,400.00 4.53 2 13.33
SULAWESI 7 64,256,989,313,913.30 3.33 92,438,551,953.51 3.49 8,120 4.69 77,942,400.00 4.53 2 13.33
OTHERS 8 65,246,834,197,369.70 3.38 98,098,640,829.61 3.71 14,229 8.22 129,510,279.54 7.53 3 20.00
TOTAL 1,931,209,404,232,100.00 100.00 2,645,389,635,380.59 100.00 173,097 100.00 1,720,541,980.54 100.00 15 100.00
67

As At 30/06/2015

NATIONAL AGGREGAT
EXPOSURE
BANDA ACEH 1.1 4,584,417,825,419.94 0.18 8,671,562,333.13 0.20 605 0.32 20,985,349.73 0.01 1 1.75
MEDAN 1.2 47,542,841,695,945.20 1.82 64,410,152,058.01 1.51 6,598 3.50 0.00 0.00 0 0.00
OTHERS 1.3 49,388,292,913,159.30 1.90 75,573,831,958.97 1.78 3,910 2.07 0.00 0.00 0 0.00
NORTH SUMATERA 1 101,515,552,434,525.00 3.90 148,655,546,350.11 3.50 11,113 5.90 20,985,349.73 0.01 1 1.75
PADANG 2.1 27,019,846,969,932.80 1.04 52,062,491,084.77 1.22 10,653 5.65 6,706,092.35 0.00 1 1.75
PALEMBANG 2.2 22,991,302,055,908.20 0.88 24,281,721,017.51 0.57 1,873 0.99 0.00 0.00 0 0.00
OTHERS 2.3 150,261,108,880,271.00 5.77 194,190,187,501.83 4.57 17,897 9.49 3,995,032.99 0.00 1 1.75
SOUTH SUMATERA 2 200,272,257,906,112.00 7.69 270,534,399,604.11 6.36 30,423 16.14 10,701,125.34 0.00 2 3.51
JAKARTA 3.1 429,924,032,664,141.00 16.50 693,093,334,110.39 16.30 47,625 25.27 0.00 0.00 0 0.00
BANDUNG 3.2 10,455,800,182,858.20 0.40 16,279,558,111.33 0.38 2,123 1.13 22,495,295.61 0.01 1 1.75
OTHERS 3.3 974,495,125,173,158.00 37.40 1,664,240,419,693.57 39.14 38,777 20.57 0.00 0.00 0 0.00
WEST JAVA 3 1,414,874,958,020,160.00 54.30 2,373,613,311,915.29 55.83 88,525 46.96 22,495,295.61 0.01 1 1.75
SEMARANG 4.1 8,708,673,384,952.73 0.33 11,545,367,381.18 0.27 916 0.49 0.00 0.00 0 0.00
YOGYAKARTA 4.2 8,527,858,959,520.06 0.33 13,260,675,808.26 0.31 2,188 1.16 1,500,455,237.19 0.49 5 8.77
OTHERS 4.3 136,192,546,432,047.00 5.23 185,359,588,031.05 4.36 10,492 5.57 29,104,464,265.10 9.45 6 10.53
CENTRAL JAVA 4 153,429,078,776,519.00 5.89 210,165,631,220.49 4.94 13,596 7.21 30,604,919,502.29 9.93 11 19.30
SURABAYA 5.1 37,296,159,313,449.70 1.43 48,078,486,375.47 1.13 6,240 3.31 0.00 0.00 0 0.00
OTHERS 5.2 200,084,798,977,104.00 7.68 281,458,633,926.23 6.62 8,384 4.45 277,370,076,854.07 90.04 39 68.42
EAST JAVA 5 237,380,958,290,554.00 9.11 329,537,120,301.70 7.75 14,624 7.76 277,370,076,854.07 90.04 39 68.42
KALIMANTAN 6 128,063,585,552,569.00 4.91 133,396,548,264.96 3.14 7,055 3.74 0.00 0.00 0 0.00
UJUNG PANDANG 7.1 14,056,704,460,026.80 0.54 14,160,625,142.90 0.33 2,058 1.09 0.00 0.00 0 0.00
OTHERS 7.2 39,155,028,523,482.00 1.50 63,648,397,236.51 1.50 6,259 3.32 0.00 0.00 0 0.00
SULAWESI 7 53,211,732,983,508.80 2.04 77,809,022,379.41 1.83 8,317 4.41 0.00 0.00 0 0.00
OTHERS 8 316,902,549,313,180.00 12.16 708,124,986,197.93 16.65 14,840 7.87 33,394,667.96 0.01 3 5.26
TOTAL 2,605,650,673,277,130.00 100.00 4,251,836,566,234.00 100.00 188,493 100.00 308,062,572,795.00 100.00 57 100.00
68

As At 30/06/2015

NATIONAL AGGREGAT
EXPOSURE
BANDA ACEH 1.1 6,358,619,953,498.16 0.24 12,949,221,282.71 0.31 600 0.28 0.00 0.00 0 0.00
MEDAN 1.2 52,960,197,728,466.80 1.97 74,452,259,838.90 1.75 7,330 3.47 0.00 0.00 0 0.00
OTHERS 1.3 50,050,764,200,763.80 1.86 80,740,535,366.22 1.90 5,002 2.37 0.00 0.00 0 0.00
NORTH SUMATERA 1 109,369,581,882,729.00 4.07 168,142,016,487.83 3.96 12,932 6.12 0.00 0.00 0 0.00
PADANG 2.1 29,477,769,570,121.90 1.10 56,678,295,511.21 1.34 12,344 5.84 16,000,000.00 1.23 1 11.11
PALEMBANG 2.2 18,812,054,223,542.00 0.70 20,556,779,467.85 0.48 1,883 0.89 0.00 0.00 0 0.00
OTHERS 2.3 181,058,254,439,927.00 6.74 240,857,497,050.15 5.68 21,194 10.03 0.00 0.00 0 0.00
SOUTH SUMATERA 2 229,348,078,233,590.00 8.53 318,092,572,029.21 7.50 35,421 16.76 16,000,000.00 1.23 1 11.11
JAKARTA 3.1 531,708,345,423,764.00 19.78 890,739,103,076.03 20.99 48,501 22.94 0.00 0.00 0 0.00
BANDUNG 3.2 9,865,031,172,512.33 0.37 15,845,074,678.59 0.37 2,037 0.96 0.00 0.00 0 0.00
OTHERS 3.3 884,594,173,548,510.00 32.91 1,523,384,506,403.11 35.91 46,679 22.08 0.00 0.00 0 0.00
WEST JAVA 3 1,426,167,550,144,790.00 53.06 2,429,968,684,157.73 57.27 97,217 45.99 0.00 0.00 0 0.00
SEMARANG 4.1 6,094,897,525,335.40 0.23 8,451,156,211.20 0.20 970 0.46 0.00 0.00 0 0.00
YOGYAKARTA 4.2 13,606,090,868,674.60 0.51 21,074,808,625.71 0.50 2,538 1.20 0.00 0.00 0 0.00
OTHERS 4.3 139,412,503,264,086.00 5.19 195,796,480,313.85 4.61 14,155 6.70 0.00 0.00 0 0.00
CENTRAL JAVA 4 159,113,491,658,096.00 5.92 225,322,445,150.76 5.31 17,663 8.36 0.00 0.00 0 0.00
SURABAYA 5.1 77,159,355,434,089.90 2.87 108,272,703,197.61 2.55 6,110 2.89 0.00 0.00 0 0.00
OTHERS 5.2 350,891,208,794,371.00 13.05 512,797,353,232.03 12.09 11,194 5.30 111,029,676.05 8.56 3 33.33
EAST JAVA 5 428,050,564,228,461.00 15.92 621,070,056,429.64 14.64 17,304 8.19 111,029,676.05 8.56 3 33.33
KALIMANTAN 6 104,335,917,881,702.00 3.88 110,375,638,021.44 2.60 6,791 3.21 0.00 0.00 0 0.00
UJUNG PANDANG 7.1 21,486,486,598,491.00 0.80 24,461,587,772.60 0.58 1,922 0.91 0.00 0.00 0 0.00
OTHERS 7.2 110,822,471,621,368.00 4.12 177,246,688,297.98 4.18 6,117 2.89 820,076,625.00 63.20 3 33.33
SULAWESI 7 132,308,958,219,859.00 4.92 201,708,276,070.58 4.75 8,039 3.80 820,076,625.00 63.20 3 33.33
OTHERS 8 99,370,933,137,622.20 3.70 167,970,999,816.88 3.96 16,015 7.58 350,410,000.00 27.01 2 22.22
TOTAL 2,688,065,075,386,850.00 100.00 4,242,650,688,164.07 100.00 211,382 100.00 1,297,516,301.05 100.00 9 100.00
69

As At 30/06/2015

NATIONAL AGGREGAT
EXPOSURE
BANDA ACEH 1.1 455,976,230,003.88 0.09 892,159,151.80 0.12 158 0.32 0.00 0.00 0 0.00
MEDAN 1.2 15,266,930,733,632.30 3.05 20,193,346,385.75 2.69 1,972 4.03 0.00 0.00 0 0.00
OTHERS 1.3 5,459,716,930,089.16 1.09 8,615,166,286.85 1.15 880 1.80 0.00 0.00 0 0.00
NORTH SUMATERA 1 21,182,623,893,725.40 4.23 29,700,671,824.40 3.96 3,010 6.14 0.00 0.00 0 0.00
PADANG 2.1 4,343,731,570,576.07 0.87 7,940,483,158.30 1.06 3,939 8.04 0.00 0.00 0 0.00
PALEMBANG 2.2 2,704,718,148,459.90 0.54 3,074,991,420.39 0.41 326 0.67 0.00 0.00 0 0.00
OTHERS 2.3 29,600,541,769,976.90 5.91 37,996,586,002.77 5.07 4,776 9.75 0.00 0.00 0 0.00
SOUTH SUMATERA 2 36,648,991,489,012.90 7.31 49,012,060,581.46 6.54 9,041 18.46 0.00 0.00 0 0.00
JAKARTA 3.1 114,243,160,461,085.00 22.80 181,367,105,417.01 24.19 10,593 21.63 0.00 0.00 0 0.00
BANDUNG 3.2 3,383,533,867,786.94 0.68 5,152,691,687.16 0.69 820 1.67 0.00 0.00 0 0.00
OTHERS 3.3 175,486,957,797,968.00 35.02 282,395,849,964.38 37.67 11,247 22.96 0.00 0.00 0 0.00
WEST JAVA 3 293,113,652,126,839.00 58.49 468,915,647,068.55 62.55 22,660 46.26 0.00 0.00 0 0.00
SEMARANG 4.1 872,040,937,538.39 0.17 1,158,646,719.82 0.15 157 0.32 0.00 0.00 0 0.00
YOGYAKARTA 4.2 2,202,243,172,949.89 0.44 3,398,558,663.44 0.45 635 1.30 0.00 0.00 0 0.00
OTHERS 4.3 35,491,815,108,839.00 7.08 44,821,354,617.15 5.98 3,492 7.13 0.00 0.00 0 0.00
CENTRAL JAVA 4 38,566,099,219,327.30 7.70 49,378,560,000.41 6.59 4,284 8.75 0.00 0.00 0 0.00
SURABAYA 5.1 17,350,016,361,654.30 3.46 23,796,751,706.18 3.17 1,474 3.01 0.00 0.00 0 0.00
OTHERS 5.2 33,500,806,604,704.10 6.68 46,794,268,170.66 6.24 1,564 3.19 0.00 0.00 0 0.00
EAST JAVA 5 50,850,822,966,358.40 10.15 70,591,019,876.84 9.42 3,038 6.20 0.00 0.00 0 0.00
KALIMANTAN 6 19,654,791,173,810.90 3.92 19,367,525,479.25 2.58 917 1.87 0.00 0.00 0 0.00
UJUNG PANDANG 7.1 3,108,512,496,701.43 0.62 3,325,115,249.15 0.44 428 0.87 0.00 0.00 0 0.00
OTHERS 7.2 10,501,222,198,359.10 2.10 15,191,585,268.44 2.03 1,239 2.53 0.00 0.00 0 0.00
SULAWESI 7 13,609,734,695,060.50 2.72 18,516,700,517.59 2.47 1,667 3.40 0.00 0.00 0 0.00
OTHERS 8 27,540,518,738,916.40 5.50 44,217,289,235.14 5.90 4,366 8.91 0.00 0.00 0 0.00
TOTAL 501,167,234,303,051.00 100.00 749,699,474,583.64 100.00 48,983 100.00 0.00 0.00 0 0.00
70

NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY OCCUPATION
As At 30/06/2015

NATIONAL AGGREGATE
NATIONAL GROSS PREMIUM NUMBER OF RISKS CLAIM CLAIM FREQUENCY
OCCUPATION EXPOSURE
AGRICULTURAL A 20,170,306,793,199.60 0.94 23,897,315,368.61 0.85 379.00 0.23 0.00 0.00 0.00 0.00
COMMERCIAL C 543,583,034,082,770.00 25.23 758,200,033,083.93 26.87 91,426.00 55.10 6,375,313,072.29 95.80 62.00 71.26
INDUSTRIAL I 1,358,267,696,554,130.00 63.04 1,696,811,048,866.14 60.14 14,997.00 9.04 0.00 0.00 0.00 0.00
RESIDENTIAL R 232,487,528,168,908.00 10.79 342,414,007,223.76 12.14 59,138.00 35.64 279,739,660.04 4.20 25.00 28.74
T OT AL 2,154,508,565,599,000.00 100.00 2,821,322,404,542.44 100.00 165,940.00 100.00 6,655,052,732.33 100.00 87.00 100.00
71

As At 30/06/2015

NATIONAL AGGREGATE
OCCUPATION EXPOSURE
AGRICULTURAL A 23,543,592,772,030.10 1.22 29,419,229,652.86 1.11 420.00 0.24 0.00 0.00 0.00 0.00
COMMERCIAL C 452,326,550,885,605.00 23.42 646,139,753,626.54 24.43 94,389.00 54.53 1,670,541,980.54 97.09 14.00 93.33
INDUSTRIAL I 1,225,238,409,045,250.00 63.44 1,623,908,958,082.86 61.39 17,099.00 9.88 0.00 0.00 0.00 0.00
RESIDENTIAL R 230,100,851,529,218.00 11.91 345,921,694,018.32 13.08 61,189.00 35.35 50,000,000.00 2.91 1.00 6.67
T OT AL 1,931,209,404,232,100.00 100.00 2,645,389,635,380.58 100.00 173,097.00 100.00 1,720,541,980.54 100.00 15.00 100.00
72

As At 30/06/2015

NATIONAL AGGREGATE
OCCUPATION EXPOSURE
AGRICULTURAL A 25,720,200,428,711.00 0.99 34,917,831,995.79 0.82 482.00 0.26 0.00 0.00 0.00 0.00
COMMERCIAL C 945,213,315,483,594.00 36.28 1,714,074,272,679.52 40.31 100,292.00 53.21 306,212,972,292.31 99.40 45.00 78.95
INDUSTRIAL I 1,317,498,327,917,740.00 50.56 2,028,735,955,272.71 47.71 18,252.00 9.68 1,750,356,290.96 0.57 5.00 8.77
RESIDENTIAL R 317,218,829,447,078.00 12.17 474,108,506,285.99 11.15 69,467.00 36.85 99,244,211.73 0.03 7.00 12.28
T OT AL 2,605,650,673,277,120.00 100.00 4,251,836,566,234.01 100.00 188,493.00 100.00 308,062,572,795.00 100.00 57.00 100.00
73

As At 30/06/2015

NATIONAL AGGREGATE
OCCUPATION EXPOSURE
AGRICULTURAL A 19,270,163,312,967.20 0.72 24,913,072,274.44 0.59 420.00 0.20 0.00 0.00 0.00 0.00
COMMERCIAL C 597,476,872,879,481.00 22.23 918,279,907,201.54 21.64 109,009.00 51.57 1,228,599,676.05 94.69 7.00 77.78
INDUSTRIAL I 1,684,181,022,050,690.00 62.65 2,679,945,456,394.16 63.17 17,159.00 8.12 0.00 0.00 0.00 0.00
RESIDENTIAL R 387,137,017,143,709.00 14.40 619,512,252,293.91 14.60 84,794.00 40.11 68,916,625.00 5.31 2.00 22.22
T OT AL 2,688,065,075,386,850.00 100.00 4,242,650,688,164.05 100.00 211,382.00 100.00 1,297,516,301.05 100.00 9.00 100.00
74

As At 30/06/2015

NATIONAL AGGREGATE
OCCUPATION EXPOSURE
AGRICULTURAL A 1,597,018,054,605.00 0.32 2,213,841,234.19 0.30 59.00 0.12 0.00 0.00 0.00 0.00
COMMERCIAL C 139,793,099,008,678.00 27.89 211,342,544,879.01 28.19 20,377.00 41.60 0.00 0.00 0.00 0.00
INDUSTRIAL I 276,039,374,566,958.00 55.08 409,408,218,483.81 54.61 3,079.00 6.29 0.00 0.00 0.00 0.00
RESIDENTIAL R 83,737,742,672,810.20 16.71 126,734,869,986.60 16.90 25,468.00 51.99 0.00 0.00 0.00 0.00
T OT AL 501,167,234,303,051.00 100.00 749,699,474,583.61 100.00 48,983.00 100.00 0.00 0.00 0.00 0.00
75

NATIONAL AGGREGAT EXPOSURE, NATIONAL GROSS PREMIUM, NUMBER OF RISKS, CLAIM & CLAIM FREQUENCY BY PROVINCE
As At 30/06/2015

NATIONAL AGGREGAT
PROVINCE EXPOSURE
01. NAD 61,716,398,867,310.90 2.86 87,633,935,480.81 3.11 2,197.00 1.32 3,250,620,587.13 3,250,620,587.13 9.00 9.00
02. SUMATERA UTARA 88,467,285,205,864.50 4.11 107,161,315,278.64 3.80 8,589.00 5.18 379,606,483.50 379,606,483.50 10.00 10.00
03. SUMATERA BARAT 23,705,405,279,292.50 1.10 41,474,958,579.02 1.47 14,192.00 8.55 95,675,000.00 95,675,000.00 4.00 4.00
04. RIAU 35,064,056,469,754.20 1.63 35,256,215,244.00 1.25 3,204.00 1.93 0.00 0.00 0.00 0.00
05. JAMBI 8,231,659,638,051.55 0.38 8,038,465,820.08 0.28 1,334.00 0.80 0.00 0.00 0.00 0.00
06. SUMATERA SELATAN 30,750,924,977,797.60 1.43 31,570,394,331.29 1.12 2,059.00 1.24 0.00 0.00 0.00 0.00
07. BENGKULU 4,060,325,847,435.66 0.19 7,255,605,295.58 0.26 2,564.00 1.55 30,898,800.00 30,898,800.00 5.00 5.00
08. LAMPUNG 27,534,812,464,501.00 1.28 37,249,898,677.14 1.32 2,956.00 1.78 0.00 0.00 0.00 0.00
09. KEP BANGKA-BELITUNG 3,156,384,885,166.98 0.15 2,757,422,298.01 0.10 329.00 0.20 0.00 0.00 0.00 0.00
10. KEPULAUAN RIAU 22,785,938,996,463.70 1.06 18,886,689,619.28 0.67 1,239.00 0.75 0.00 0.00 0.00 0.00
11. JAKARTA 464,501,709,083,112.00 21.56 669,813,175,934.73 23.74 38,645.00 23.29 0.00 0.00 0.00 0.00
12. JAWA BARAT 401,042,121,827,649.00 18.61 549,928,012,533.25 19.49 24,616.00 14.83 74,453,075.00 74,453,075.00 2.00 2.00
13. JAWA TENGAH 121,725,177,084,954.00 5.65 151,888,826,113.28 5.38 9,484.00 5.72 0.00 0.00 0.00 0.00
14. DIY 11,854,836,649,440.00 0.55 17,756,951,036.21 0.63 3,051.00 1.84 0.00 0.00 0.00 0.00
15. JAWA TIMUR 387,951,181,339,995.00 18.01 471,289,675,721.19 16.70 13,350.00 8.05 0.00 0.00 0.00 0.00
16. BANTEN 213,447,466,123,733.00 9.91 297,387,279,687.22 10.54 10,616.00 6.40 0.00 0.00 0.00 0.00
17. BALI 43,282,480,532,299.20 2.01 60,357,067,500.68 2.14 7,026.00 4.23 2,817,135,986.70 2,817,135,986.70 56.00 56.00
18. NUSA TENGGARA BARAT 3,077,047,054,149.34 0.14 5,152,954,498.64 0.18 1,365.00 0.82 0.00 0.00 0.00 0.00
19. NUSA TENGGARA TIMUR 1,617,483,032,767.29 0.08 2,433,951,389.85 0.09 762.00 0.46 0.00 0.00 0.00 0.00
20. KALIMANTAN BARAT 7,209,974,391,744.74 0.33 6,292,796,630.20 0.22 911.00 0.55 0.00 0.00 0.00 0.00
21. KALIMANTAN TENGAH 12,214,732,033,229.00 0.57 10,262,245,474.31 0.36 637.00 0.38 0.00 0.00 0.00 0.00
22. KALIMANTAN SELATAN 28,151,320,447,496.90 1.31 23,762,331,278.15 0.84 1,020.00 0.61 0.00 0.00 0.00 0.00
23. KALIMANTAN TIMUR 75,544,577,879,790.50 3.51 63,327,410,591.57 2.24 3,159.00 1.90 0.00 0.00 0.00 0.00
24. SULAWESI UTARA 20,475,241,127,098.30 0.95 37,726,468,368.21 1.34 2,449.00 1.48 0.00 0.00 0.00 0.00
25. SULAWESI TENGAH 2,234,831,075,451.70 0.10 3,453,309,420.21 0.12 1,539.00 0.93 0.00 0.00 0.00 0.00
26. SULAWESI SELATAN 24,508,942,520,664.60 1.14 24,634,050,796.95 0.87 2,955.00 1.78 6,662,800.00 6,662,800.00 1.00 1.00
27. SULAWESI TENGGARA 9,114,245,475,615.48 0.42 10,519,505,924.99 0.37 541.00 0.33 0.00 0.00 0.00 0.00
28. GORONTALO 12,799,702,686,629.60 0.59 25,429,339,114.68 0.90 1,157.00 0.70 0.00 0.00 0.00 0.00
29. SULAWESI BARAT 953,016,177,663.56 0.04 1,406,530,176.92 0.05 239.00 0.14 0.00 0.00 0.00 0.00
30. MALUKU 1,012,162,473,294.66 0.05 1,761,141,005.57 0.06 403.00 0.24 0.00 0.00 0.00 0.00
31. MALUKU UTARA 599,594,466,006.82 0.03 1,055,956,776.04 0.04 430.00 0.26 0.00 0.00 0.00 0.00
32. PAPUA BARAT 2,191,055,888,141.29 0.10 3,177,814,430.49 0.11 1,213.00 0.73 0.00 0.00 0.00 0.00
33. PAPUA 3,526,473,596,439.34 0.16 5,220,709,515.28 0.19 1,709.00 1.03 0.00 0.00 0.00 0.00
T OT AL 2,154,508,565,599,000.00 100.00 2,821,322,404,542.47 100.00 165,940.00 100.00 6,655,052,732.33 6,655,052,732.33 87.00 87.00
76

As At 30/06/2015

NATIONAL AGGREGAT
PROVINCE EXPOSURE
01. NAD 8,242,681,344,607.12 0.43 12,339,609,702.98 0.47 1,928.00 1 1,498,153,100.00 1,498,153,100.00 8.00 8.00
02. SUMATERA UTARA 75,117,836,577,477.50 3.89 96,503,697,229.43 3.65 9,316.00 5 82,118,384.00 82,118,384.00 4.00 4.00
03. SUMATERA BARAT 26,868,884,213,511.40 1.39 48,233,293,860.42 1.82 15,231.00 9 0.00 0.00 0.00 0.00
04. RIAU 33,207,775,421,162.90 1.72 35,116,440,154.63 1.33 3,525.00 2 0.00 0.00 0.00 0.00
05. JAMBI 10,895,402,638,529.80 0.56 10,792,361,697.51 0.41 1,657.00 1 0.00 0.00 0.00 0.00
06. SUMATERA SELATAN 40,818,497,980,547.40 2.11 42,553,796,688.77 1.61 2,330.00 1 0.00 0.00 0.00 0.00
07. BENGKULU 4,433,571,477,580.84 0.23 8,246,317,200.13 0.31 2,100.00 1 0.00 0.00 0.00 0.00
08. LAMPUNG 28,273,311,997,973.60 1.46 39,937,679,016.11 1.51 3,021.00 2 0.00 0.00 0.00 0.00
09. KEP BANGKA-BELITUNG 3,770,377,555,319.56 0.20 3,395,498,865.56 0.13 522.00 0 0.00 0.00 0.00 0.00
10. KEPULAUAN RIAU 23,648,444,938,743.10 1.22 20,587,993,207.84 0.78 1,163.00 1 0.00 0.00 0.00 0.00
11. JAKARTA 399,151,129,341,981.00 20.67 598,194,044,611.17 22.61 36,236.00 21 0.00 0.00 0.00 0.00
12. JAWA BARAT 449,712,411,951,516.00 23.29 652,119,622,168.56 24.65 27,255.00 16 0.00 0.00 0.00 0.00
13. JAWA TENGAH 107,296,512,601,410.00 5.56 133,697,602,983.98 5.05 10,180.00 6 0.00 0.00 0.00 0.00
14. DIY 11,436,107,616,460.70 0.59 17,340,664,278.42 0.66 3,254.00 2 0.00 0.00 0.00 0.00
15. JAWA TIMUR 260,368,636,254,402.00 13.48 323,718,726,072.40 12.24 13,982.00 8 0.00 0.00 0.00 0.00
16. BANTEN 217,194,185,551,802.00 11.25 318,426,983,329.37 12.04 11,415.00 7 0.00 0.00 0.00 0.00
17. BALI 50,116,926,207,592.30 2.60 72,955,767,038.10 2.76 7,587.00 4 62,328,096.54 62,328,096.54 1.00 1.00
18. NUSA TENGGARA BARAT 3,836,383,475,500.33 0.20 7,087,522,827.65 0.27 1,477.00 1 0.00 0.00 0.00 0.00
19. NUSA TENGGARA TIMUR 2,108,314,395,720.15 0.11 3,237,699,303.25 0.12 970.00 1 0.00 0.00 0.00 0.00
20. KALIMANTAN BARAT 6,288,814,178,617.00 0.33 5,585,406,508.55 0.21 1,821.00 1 0.00 0.00 0.00 0.00
21. KALIMANTAN TENGAH 11,780,711,832,551.60 0.61 10,662,231,788.53 0.40 698.00 0 0.00 0.00 0.00 0.00
22. KALIMANTAN SELATAN 14,607,685,305,615.70 0.76 13,300,017,057.15 0.50 1,277.00 1 0.00 0.00 0.00 0.00
23. KALIMANTAN TIMUR 68,592,601,941,006.50 3.55 64,100,456,175.97 2.42 3,837.00 2 0.00 0.00 0.00 0.00
24. SULAWESI UTARA 11,198,365,054,549.50 0.58 21,023,484,666.00 0.79 1,863.00 1 0.00 0.00 0.00 0.00
25. SULAWESI TENGAH 2,113,379,896,386.25 0.11 3,327,226,990.16 0.13 1,230.00 1 0.00 0.00 0.00 0.00
26. SULAWESI SELATAN 26,708,791,622,795.70 1.38 27,691,959,517.82 1.05 3,187.00 2 77,942,400.00 77,942,400.00 2.00 2.00
27. SULAWESI TENGGARA 9,050,080,341,377.57 0.47 10,819,930,441.97 0.41 576.00 0 0.00 0.00 0.00 0.00
28. GORONTALO 14,066,940,771,299.70 0.73 27,899,410,999.48 1.05 1,010.00 1 0.00 0.00 0.00 0.00
29. SULAWESI BARAT 1,119,431,627,504.72 0.06 1,676,539,338.07 0.06 254.00 0 0.00 0.00 0.00 0.00
30. MALUKU 1,294,838,879,671.43 0.07 2,361,244,475.46 0.09 511.00 0 0.00 0.00 0.00 0.00
31. MALUKU UTARA 839,309,120,352.22 0.04 1,480,820,184.17 0.06 424.00 0 0.00 0.00 0.00 0.00
32. PAPUA BARAT 3,445,075,692,356.94 0.18 5,138,537,640.92 0.19 1,261.00 1 0.00 0.00 0.00 0.00
33. PAPUA 3,605,986,426,176.26 0.19 5,837,049,360.06 0.22 1,999.00 1 0.00 0.00 0.00 0.00
T OT AL 1,931,209,404,232,100.00 100.00 2,645,389,635,380.59 100.00 173,097.00 100 1,720,541,980.54 1,720,541,980.54 15.00 15.00
77

As At 30/06/2015

NATIONAL AGGREGAT
PROVINCE EXPOSURE
01. NAD 9,005,631,873,527.51 0.35 16,000,089,081.17 0.38 1,626.00 0.86 33,412,673.98 33,412,673.98 2.00 2.00
02. SUMATERA UTARA 92,509,920,560,997.00 3.55 132,655,457,268.94 3.12 9,487.00 5.03 0.00 0.00 0.00 0.00
03. SUMATERA BARAT 37,123,475,274,657.40 1.42 70,756,638,221.95 1.66 15,401.00 8.17 10,701,125.34 10,701,125.34 2.00 2.00
04. RIAU 48,542,834,210,792.30 1.86 57,032,212,594.66 1.34 3,557.00 1.89 0.00 0.00 0.00 0.00
05. JAMBI 10,972,622,690,169.70 0.42 12,415,466,743.59 0.29 1,934.00 1.03 0.00 0.00 0.00 0.00
07. BENGKULU 4,865,040,259,933.02 0.19 9,816,378,489.19 0.23 1,827.00 0.97 0.00 0.00 0.00 0.00
08. LAMPUNG 26,647,584,539,396.70 1.02 40,697,993,284.28 0.96 3,056.00 1.62 0.00 0.00 0.00 0.00
10. KEPULAUAN RIAU 27,153,298,444,545.10 1.04 27,797,677,999.64 0.65 1,296.00 0.69 0.00 0.00 0.00 0.00
11. JAKARTA 429,924,032,664,141.00 16.50 693,093,334,110.39 16.30 47,625.00 25.27 0.00 0.00 0.00 0.00
12. JAWA BARAT 703,131,596,776,920.00 26.98 1,201,212,083,152.70 28.25 28,548.00 15.15 22,495,295.61 22,495,295.61 1.00 1.00
13. JAWA TENGAH 141,980,875,350,865.00 5.45 192,446,830,337.54 4.53 10,171.00 5.40 36,673,037.85 36,673,037.85 1.00 1.00
14. DIY 11,448,203,425,654.20 0.44 17,718,800,882.95 0.42 3,425.00 1.82 900,873,816.39 900,873,816.39 4.00 4.00
15. JAWA TIMUR 237,380,958,290,554.00 9.11 329,537,120,301.70 7.75 14,624.00 7.76 307,045,343,990.83 307,045,343,990.83 46.00 46.00
16. BANTEN 281,819,328,579,096.00 10.82 479,307,894,652.20 11.27 12,352.00 6.55 0.00 0.00 0.00 0.00
17. BALI 301,787,423,262,199.00 11.58 681,052,832,813.72 16.02 8,061.00 4.28 0.00 0.00 0.00 0.00
18. NUSA TENGGARA BARAT 4,518,812,817,725.11 0.17 8,803,236,498.45 0.21 1,361.00 0.72 13,072,855.00 13,072,855.00 1.00 1.00
20. KALIMANTAN BARAT 7,941,811,616,492.80 0.30 7,697,153,563.11 0.18 1,069.00 0.57 0.00 0.00 0.00 0.00
24. SULAWESI UTARA 16,568,658,936,005.30 0.64 34,273,037,525.63 0.81 1,857.00 0.99 0.00 0.00 0.00 0.00
25. SULAWESI TENGAH 4,184,131,470,697.59 0.16 6,867,207,802.25 0.16 1,309.00 0.69 0.00 0.00 0.00 0.00
26. SULAWESI SELATAN 27,529,740,570,200.40 1.06 28,396,199,459.62 0.67 3,404.00 1.81 0.00 0.00 0.00 0.00
28. GORONTALO 2,120,342,428,357.58 0.08 4,065,456,398.12 0.10 828.00 0.44 0.00 0.00 0.00 0.00
29. SULAWESI BARAT 1,286,900,043,154.22 0.05 1,927,480,130.89 0.05 311.00 0.16 0.00 0.00 0.00 0.00
30. MALUKU 1,834,818,640,495.64 0.07 3,455,919,928.49 0.08 616.00 0.33 0.00 0.00 0.00 0.00
31. MALUKU UTARA 538,208,280,758.84 0.02 1,040,331,975.79 0.02 376.00 0.20 0.00 0.00 0.00 0.00
32. PAPUA BARAT 2,612,323,243,092.17 0.10 4,219,806,774.84 0.10 1,344.00 0.71 0.00 0.00 0.00 0.00
33. PAPUA 3,859,826,598,396.27 0.15 6,741,420,063.30 0.16 2,320.00 1.23 0.00 0.00 0.00 0.00
T OT AL 2,605,650,673,277,120.00 100.00 4,251,836,566,234.02 100.00 188,493.00 100.00 308,062,572,795.00 308,062,572,795.00 57.00 57.00
78

As At 30/06/2015

NATIONAL AGGREGAT
PROVINCE EXPOSURE
01. NAD 10,502,439,335,646.30 0.39 20,609,783,323.99 0.49 1,888.00 0.89 0.00 0.00 0.00 0.00
02. SUMATERA UTARA 98,867,142,547,082.40 3.68 147,532,233,163.83 3.48 11,044.00 5.22 0.00 0.00 0.00 0.00
03. SUMATERA BARAT 40,486,344,266,288.60 1.51 77,752,878,894.61 1.83 17,132.00 8.10 16,000,000.00 16,000,000.00 1.00 1.00
04. RIAU 55,840,220,411,325.60 2.08 65,456,663,285.11 1.54 4,074.00 1.93 0.00 0.00 0.00 0.00
05. JAMBI 11,065,716,213,730.40 0.41 12,835,067,200.00 0.30 2,266.00 1.07 0.00 0.00 0.00 0.00
07. BENGKULU 5,523,126,676,207.22 0.21 11,308,556,281.71 0.27 2,155.00 1.02 0.00 0.00 0.00 0.00
08. LAMPUNG 37,296,673,198,166.30 1.39 58,305,588,868.68 1.37 4,015.00 1.90 0.00 0.00 0.00 0.00
10. KEPULAUAN RIAU 30,387,673,313,163.00 1.13 32,142,809,643.98 0.76 1,540.00 0.73 0.00 0.00 0.00 0.00
11. JAKARTA 531,708,345,423,764.00 19.78 890,739,103,076.03 20.99 48,501.00 22.94 0.00 0.00 0.00 0.00
12. JAWA BARAT 566,346,269,834,249.00 21.07 960,048,952,405.69 22.63 33,697.00 15.94 0.00 0.00 0.00 0.00
13. JAWA TENGAH 141,193,794,174,169.00 5.25 197,433,204,350.41 4.65 13,424.00 6.35 0.00 0.00 0.00 0.00
14. DIY 17,919,697,483,927.30 0.67 27,889,240,800.34 0.66 4,239.00 2.01 0.00 0.00 0.00 0.00
15. JAWA TIMUR 428,050,564,228,461.00 15.92 621,070,056,429.64 14.64 17,304.00 8.19 111,029,676.05 111,029,676.05 3.00 3.00
16. BANTEN 328,112,934,886,773.00 12.21 579,180,628,676.02 13.65 15,019.00 7.11 0.00 0.00 0.00 0.00
17. BALI 73,893,929,884,879.80 2.75 121,227,503,161.89 2.86 9,285.00 4.39 12,910,000.00 12,910,000.00 1.00 1.00
18. NUSA TENGGARA BARAT 11,264,593,036,683.90 0.42 21,598,527,274.20 0.51 1,740.00 0.82 0.00 0.00 0.00 0.00
20. KALIMANTAN BARAT 11,790,089,041,754.30 0.44 11,747,928,642.44 0.28 1,468.00 0.69 0.00 0.00 0.00 0.00
24. SULAWESI UTARA 14,917,784,138,481.30 0.55 30,876,898,508.27 0.73 2,139.00 1.01 820,076,625.00 820,076,625.00 3.00 3.00
25. SULAWESI TENGAH 3,599,334,941,830.73 0.13 6,112,014,026.74 0.14 956.00 0.45 0.00 0.00 0.00 0.00
26. SULAWESI SELATAN 90,455,221,307,121.20 3.37 127,859,578,638.06 3.01 3,627.00 1.72 0.00 0.00 0.00 0.00
28. GORONTALO 2,498,949,922,224.40 0.09 4,905,177,788.98 0.12 548.00 0.26 0.00 0.00 0.00 0.00
29. SULAWESI BARAT 2,964,194,977,560.09 0.11 4,455,660,566.16 0.11 184.00 0.09 0.00 0.00 0.00 0.00
30. MALUKU 2,177,073,886,117.51 0.08 4,242,062,725.97 0.10 741.00 0.35 0.00 0.00 0.00 0.00
31. MALUKU UTARA 844,564,769,178.50 0.03 1,653,435,655.74 0.04 385.00 0.18 0.00 0.00 0.00 0.00
32. PAPUA BARAT 2,861,725,100,454.56 0.11 4,694,917,611.28 0.11 1,350.00 0.64 337,500,000.00 337,500,000.00 1.00 1.00
33. PAPUA 5,585,293,303,963.16 0.21 10,017,694,558.21 0.24 1,962.00 0.93 0.00 0.00 0.00 0.00
T OT AL 2,688,065,075,386,850.00 100.00 4,242,650,688,164.07 100.00 211,382.00 100.00 1,297,516,301.05 1,297,516,301.05 9.00 9.00
79

As At 30/06/2015

NATIONAL AGGREGAT
PROVINCE EXPOSURE
01. NAD 2,012,264,836,614.09 0.40 4,080,010,889.93 0.54 411.00 0.84 0.00 0.00 0.00 0.00
02. SUMATERA UTARA 19,170,359,057,111.30 3.83 25,620,660,934.47 3.42 2,599.00 5.31 0.00 0.00 0.00 0.00
03. SUMATERA BARAT 5,986,661,675,010.23 1.19 11,061,908,127.01 1.48 5,434.00 11.09 0.00 0.00 0.00 0.00
04. RIAU 8,856,689,069,525.49 1.77 10,915,939,574.32 1.46 930.00 1.90 0.00 0.00 0.00 0.00
05. JAMBI 1,855,347,995,719.84 0.37 2,065,719,898.33 0.28 402.00 0.82 0.00 0.00 0.00 0.00
06. SUMATERA SELATAN 4,826,759,985,715.52 0.96 5,819,862,986.69 0.78 472.00 0.96 0.00 0.00 0.00 0.00
07. BENGKULU 1,043,807,349,664.97 0.21 1,982,852,075.15 0.26 650.00 1.33 0.00 0.00 0.00 0.00
08. LAMPUNG 6,617,915,899,229.32 1.32 9,786,272,322.92 1.31 709.00 1.45 0.00 0.00 0.00 0.00
09. KEP BANGKA-BELITUNG 582,196,227,782.33 0.12 564,203,690.76 0.08 101.00 0.21 0.00 0.00 0.00 0.00
10. KEPULAUAN RIAU 6,879,613,286,365.16 1.37 6,815,301,906.27 0.91 343.00 0.70 0.00 0.00 0.00 0.00
11. JAKARTA 114,243,160,461,085.00 22.80 181,367,105,417.01 24.19 10,593.00 21.63 0.00 0.00 0.00 0.00
12. JAWA BARAT 123,947,669,414,822.00 24.73 198,011,912,951.79 26.41 8,449.00 17.25 0.00 0.00 0.00 0.00
13. JAWA TENGAH 35,736,117,316,835.70 7.13 45,031,546,624.69 6.01 3,149.00 6.43 0.00 0.00 0.00 0.00
14. DIY 2,829,981,902,491.59 0.56 4,347,013,375.71 0.58 1,135.00 2.32 0.00 0.00 0.00 0.00
15. JAWA TIMUR 50,850,822,966,358.40 10.15 70,591,019,876.83 9.42 3,038.00 6.20 0.00 0.00 0.00 0.00
16. BANTEN 54,922,822,250,932.40 10.96 89,536,628,699.75 11.94 3,618.00 7.39 0.00 0.00 0.00 0.00
17. BALI 22,640,921,910,568.40 4.52 35,744,922,028.96 4.77 2,835.00 5.79 0.00 0.00 0.00 0.00
18. NUSA TENGGARA BARAT 909,288,695,284.98 0.18 1,615,570,548.83 0.22 329.00 0.67 0.00 0.00 0.00 0.00
19. NUSA TENGGARA TIMUR 394,355,918,765.46 0.08 618,427,489.42 0.08 143.00 0.29 0.00 0.00 0.00 0.00
20. KALIMANTAN BARAT 490,115,703,858.68 0.10 455,336,031.89 0.06 170.00 0.35 0.00 0.00 0.00 0.00
21. KALIMANTAN TENGAH 304,926,375,111.67 0.06 285,040,359.44 0.04 71.00 0.14 0.00 0.00 0.00 0.00
22. KALIMANTAN SELATAN 7,096,107,359,708.85 1.42 6,422,796,819.75 0.86 219.00 0.45 0.00 0.00 0.00 0.00
23. KALIMANTAN TIMUR 11,763,641,735,131.70 2.35 12,204,352,268.18 1.63 457.00 0.93 0.00 0.00 0.00 0.00
24. SULAWESI UTARA 2,291,081,855,946.92 0.46 4,401,661,267.75 0.59 530.00 1.08 0.00 0.00 0.00 0.00
25. SULAWESI TENGAH 2,104,338,920,152.37 0.42 3,555,642,431.78 0.47 266.00 0.54 0.00 0.00 0.00 0.00
26. SULAWESI SELATAN 7,721,022,935,268.02 1.54 8,265,713,882.66 1.10 609.00 1.24 0.00 0.00 0.00 0.00
27. SULAWESI TENGGARA 975,672,830,461.00 0.19 1,415,979,324.98 0.19 119.00 0.24 0.00 0.00 0.00 0.00
28. GORONTALO 230,375,284,948.23 0.05 448,234,484.52 0.06 115.00 0.23 0.00 0.00 0.00 0.00
29. SULAWESI BARAT 287,242,868,284.00 0.06 429,469,125.90 0.06 28.00 0.06 0.00 0.00 0.00 0.00
30. MALUKU 859,816,826,199.76 0.17 1,631,640,570.44 0.22 175.00 0.36 0.00 0.00 0.00 0.00
31. MALUKU UTARA 209,433,216,129.24 0.04 406,110,547.80 0.05 92.00 0.19 0.00 0.00 0.00 0.00
32. PAPUA BARAT 506,878,796,805.58 0.10 788,121,868.52 0.11 276.00 0.56 0.00 0.00 0.00 0.00
33. PAPUA 2,019,823,375,162.99 0.40 3,412,496,181.17 0.46 516.00 1.05 0.00 0.00 0.00 0.00
T OT AL 501,167,234,303,051.00 100.00 749,699,474,583.62 100.00 48,983.00 100.00 0.00 0.00 0.00 0.00
80

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 30 Juni 2015
Indonesian Earthquake Distribution by Province, Underwriting Year 2015, as at 30 June 2015
81

Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2015
Indonesian Earthquake Distribution M > 5 and Claim Incurred 2015
82

Distribusi Exposure Gempa Bumi Indonesia per Provinsi, Underwriting Year 2015, per 30 Juni 2015
Distribusi Gempa Bumi Indonesia M > 5 dan Claim Incurred 2015
Indonesian Earthquake Distribution by Province, Underwriting Year 2015, as at 30 June 2015, Indonesian Earthquake Distribution M > 5 and Claim Incurred 2015
83

PEMODELAN DISTRIBUSI BESAR KLAIM
Modeling the Distribution of Claims Severity
PENGENALAN INTRODUCTION
Besar Klaim adalah sejumlah uang Claims severity is the amount of claims
yang diajukan oleh pemegang polis kepada incurred or paid by an insurance company to a
perusahaan asuransi atas kerugian finansial policyholder due to a financial loss endured by
akibat suatu kejadian. Berdasarkan definisi the policyholder as a result of an event. The
tersebut, model peluang untuk peubah acak domain of a probability model for a claims
Besar Klaim memiliki domain bilangan real severity random variable is positive real
positif, dan memiliki bentuk distribusi yang numbers and the shape of the distribution is
skewed to the right atau memiliki ekor (tail) di skewed to the right (right-tailed).
kanan.
Proses pemodelan distribusi besar The steps in modeling the distribution of
klaim meliputi tahapan-tahapan berikut: claims severity are as follows:
1. Taksir parameter distribusi untuk suatu 1. Assume or fit a probability model to the
distribusi yang dipilih. claims severity random variable and
estimate its parameters.
2. Uji kecocokan model menggunakan: 2. Test the goodness of fit using:
a. Uji Kolmogorov-Smirnov. a. The Kolmogorov-Smirnov test.
b. Uji Anderson-Darling. b. The Anderson-Darling test.
3. Apabila terdapat lebih dari 1 (satu) model 3. If there are more than one plausible
distribusi yang cocok, maka gunakan probability models for the data, then select
kriteria pemilihan model berdasarkan a model based on the principle of
prinsip parsimoni, yaitu dipilih model parsimony, i.e. select a model with fewer
dengan jumlah parameter yang lebih parameters. Moreover, select a probability
sedikit. Selain prinsip parsimoni, pilih model model with the largest (or depending on the
dengan nilai Akaike Infirmation Criterion definition) Akaike’s Information Criterion
(AIC, akan dijelaskan pada sub- bab (AIC) value (to be described in the next sub-
berikutnya) terbesar (tergantung formula chapter).
AIC yang digunakan).
84

PENAKSIRAN PARAMETER PARAMETER ESTIMATION
Metode Momen Moment Method
Misalkan 𝑓(𝑥; 𝜃) adalah pdf Let 𝑓(𝑥; 𝜃) be a probability density
(probability density function) atau pf (probability function (pdf) or probability function (pf) of a
function) dari suatu peubah acak 𝑋, dengan random variable X, where 𝜃=
𝜃 = (𝜃1 , 𝜃2 , ⋯ , 𝜃𝑘 )′ adalah vektor parameter (𝜃1 , 𝜃2 , ⋯ , 𝜃𝑘 )′ is a parameter vector of k
dengan 𝑘-elemen, dan 𝜇𝑟′ adalah raw moment elemens, and 𝜇𝑟′ is rth raw moment of X defined
ke-𝑟 dari 𝑋 didefinisikan sebagai 𝐸[𝑋 𝑟 ]. 𝜇𝑟′ as 𝐸[𝑋 𝑟 ]. 𝜇𝑟′ is function of the parameter 𝜃,
adalah fungsi dari parameter 𝜃, dan kita and it is assumed that the functional
mengasumsikan ketergantungan fungsional dari dependence of 𝜇𝑟′ on 𝜃 is known; hence we
𝜇𝑟′ terhadap 𝜃 diketahui sehingga kita dapat write the rth raw moment of the random variable
menulis raw moment ke-𝑟 dari peubah acak 𝑋 X as 𝜇𝑟′ (𝜃). Given a random sample of size 𝑛,
sebagai 𝜇𝑟′ (𝜃). Diberikan sampel acak 𝑥 = 𝑥 = (𝑥1 , 𝑥2 , ⋯ , 𝑥𝑛 ) , the rth sample moment
(𝑥1 , 𝑥2 , ⋯ , 𝑥𝑛 ) dari 𝑋. Maka momen ke-𝑟 dari is:
sampel adalah:
𝑛
1
𝜇̂ 𝑟′ = 𝑥𝑖𝑟
𝑛
𝑖=1
Taksiran 𝜃̂ diperoleh menggunakan 𝜃̂ is obtained by the method of

metode momen, yaitu solusi secara simultan moments, that is the simultaneous solutions of
dari system persamaan berikut: the equations:
μ′r (θ) = μ̂′r , untuk r = 1,2, ⋯ , k 𝜇𝑟′ (𝜃) = 𝜇̂ 𝑟′ , for 𝑟 = 1,2, ⋯ , 𝑘
Dengan demikian kita memiliki k-set We have, therefore, k equations with k
persamaan yang melibatkan 𝜃1 , 𝜃2 , ⋯ , 𝜃𝑘 unknown parameters 𝜃1 , 𝜃2 , ⋯ , 𝜃𝑘 . We assume
parameter yang tidak diketahui. Kita asumsikan that there exists a solution of the above system
terdapat suatu solusi dari sistem persamaan di of equations. However, there is a possibility of
atas. Namun, terdapat kemungkinan akan the existence of more than one solution, hence,
dihasilkan lebih dari 1 solusi, sehingga estimasi the resulting estimators using the method of
parameter menggunakan metode momen dapat moments may not be uniqe.
saja tidak unik.
85

Maximum Likelihood Estimation (MLE) Maximum Likelihood Estimation (MLE)
Misalkan sampel acak 𝑥 = (𝑥1 , 𝑥2 , ⋯ , 𝑥𝑛 ) Let 𝑥 = (𝑥1 , 𝑥2 , ⋯ , 𝑥𝑛 ) be a random sample
berasal dari populasi yang mengikuti suatu from a population which follow a certain
distribusi peluang tertentu. Maka fungsi probability distribution. The likelihood function of
likelihood dari sampel acak tersebut adalah the random sample is:
sebagai berikut:
𝑛
𝐿(𝜽) = 𝑓 𝑥𝑗 ; 𝜽
𝑗 =1
Penaksir maksimum likelihood adalah The Maximum Likelihood Estimator is

̂ yang memaksimumkan fungsi likelihood
nilai 𝜽 ̂ that maximizes the Likelihood function. To find
𝜽
tersebut. Untuk mencari nilai ̂
𝜽 yang ̂ that maximizes the likelihood
the value of 𝜽
memaksimumkan fungsi likelihood dapat function, maximize the function:
dilakukan dengan cara memaksimumkan fungsi:
𝑛 𝑛
𝑙(𝜽) = ln[𝐿(𝜽)] = 𝑙𝑛 𝑓 𝑥𝑗 ; 𝜽 = 𝑙𝑛𝑓 𝑥𝑗 ; 𝜽

𝑗 =1 𝑗 =1
Fungsi di atas dikenal dengan nama fungsi The function above is known as the
loglikelihood Loglikelihood Function.
UJI KECOCOKAN MODEL MODEL GOODNESS OF FIT
Untuk menganalisis data besar klaim, To analyze the claims severity data, it is
diasumsikan bahwa data besar klaim berasal assumed that the data came from a population
dari suatu populasi yang mengikuti suatu which follow a certain probability distribution. We
distribusi peluang tertentu. Kita akan will validate the assumed probability distribution
memvalidasi distribusi yang diasumsikan benar through a hypothesis testing procedure as
dengan uji hipotesis sebagai berikut: follows:
𝐻0 : Data berasal dari suatu populasi 𝐻0 : The data came from a population
dengan fungsi distribusi 𝐹 ∗ . with a distribution function F*.
𝐻1 : Data tidak berasal dari suatu 𝐻1 : The data does not come from a
populasi dengan fungsi distribusi 𝐹 ∗ . population with a distribution function F*.
86

Uji kecocokan model tersebut The goodness of fit test uses both the
melibatkan distribusi kumulatif 𝐹 ∗ dari distribusi cumulative distribution F* of the assumed
yang diasumsikan pada 𝐻0 dengan fungsi distribution in H0 and the empirical distribution
distribusi empiris 𝐹̂ . function 𝐹̂ .
Fungsi Distribusi Empiris Empirical Distribution Function
Fungsi peluang empiris menetapkan The Empirical distribution defines the

1 1
peluang sebesar untuk setiap observasi, probability of for each observation in the
𝑛 𝑛
dengan 𝑛 adalah ukuran sampel. Maka fungsi sample, where 𝑛 is the sample size. Therefore
distribusi empiris didefinisikan sebagai berikut: the empirical distribution function is defined as
banyaknya observasi ≤ 𝑥
follows:
𝐹̂ (𝑥) = the number of observations with values≤ 𝑥
𝑛 𝐹̂ (𝑥) = 𝑛
)
Dua statistik uji yang dapat digunakan untuk Two test statistics which may be used to
menguji hipotesis atas distribusi peluang carry out the hypothesis testing on the
populasi dijelaskan di bawah. probability distribution of the population are
explained below.
Kolmogorov-Smirnov Kolmogorov-Smirnov
Uji Kolmogorov Smirnov hanya bisa The Kolmogorov Smirnov test may be
digunakan untuk data individu. Misalkan used only for individual data. Suppose 𝑥(𝑖) , 𝑖 =
𝑥(𝑖) , 𝑖 = 1,2,3, … , 𝑛 adalah statistik terurut 1,2,3, … , 𝑛 are the order statistics of a random
dari sampel acak, maka statistik ujinya adalah: sample of size 𝑛 then the test statistics is:
𝐷 = max 𝑚𝑎𝑥 𝐹̂ 𝑥(𝑖−1) − 𝐹 ∗ 𝑥(𝑖) , 𝐹̂ 𝑥(𝑖) − 𝐹 ∗ 𝑥(𝑖)

𝑖∈ 1,⋯,𝑛
dengan 𝑥(1) dan 𝑥(𝑛) adalah minimum dan where 𝑥(1) and 𝑥(𝑛) are the minimum and
maksimum dari observasi. 𝐹̂ (𝑥) adalah fungsi maximum of the observations in the sample.
distribusi empiris dari data sedangkan 𝐹 ∗ (𝑥) 𝐹̂ (𝑥) is the empirical distribution function of the
adalah fungsi distribusi dari distribusi peluang data while 𝐹 ∗ (𝑥) is the distribution function of
yang dianggap cocok untuk memodelkan data the probability function considered suitable to
(yang di asumsikan pada 𝐻0 ). Dalam Klugman, model the data (assumed in H0). In Klugman, et
87

et al (2004), halaman 331, titik-titik kritis statistik al (2004), page 331, the critical points for the
uji ini adalah sebagai berikut: test statistics are as follows:
Tingkat Signifikansi α 𝟎, 𝟏𝟎 𝟎, 𝟎𝟓 𝟎, 𝟎𝟏 α Significance Level 𝟎. 𝟏𝟎 𝟎. 𝟎𝟓 𝟎. 𝟎𝟏

1,22 1,36 1,63 1.22 1.36 1.63
Titik kritis Critical points
𝑛 𝑛 𝑛 𝑛 𝑛 𝑛
Jika diberikan suatu tingkat signifikan 𝛼 tertentu, Given a significance level 𝛼, 𝐻0 is rejected if
maka 𝐻0 ditolak apabila nilai statistik uji the observed test statistics D is greater than the
observasi 𝐷 lebih besar dari titik kritis yang corresponding critical point given in the table
terdapat pada tabel di atas. above.
Anderson-Darling Anderson-Darling
Sama seperti uji Kolmogorov-Smirnov, uji Similar to Kolmogorov-Smirnov test, the
Anderson-Darling hanya cocok untuk data Anderson-Darling test is only suitable for
individu. Untuk statistik ujinya, perhatikan individual data. Test statistics formula can be
formula di bawah ini: find below:
𝑛
1
𝐴2 = − (2𝑗 − 1) log 𝐹 ∗ 𝑥(𝑗 ) + log 1 − 𝐹 ∗ 𝑥(𝑛+1−𝑗 ) −𝑛
𝑛
𝑗 =1
Dengan 𝐹 ∗ (𝑥) adalah fungsi distribusi dari 𝐹 ∗ (𝑥) is distribution function of the probability
distribusi peluang yang dianggap cocok untuk function considered suitable to model the data
memodelkan data (yang diasumsikan pada 𝐻0 ). (assumed in H0). In Klugman, et al (2004), pages
Dalam Klugman, et al (2004), halaman 333, titik- 333, the critical points for the test statistics are
titik kritis statistik uji ini adalah sebagai berikut: as follows:
Tingkat Signifikansi α 𝟎, 𝟏𝟎 𝟎, 𝟎𝟓 𝟎, 𝟎𝟏 α Significance Level 𝟎. 𝟏𝟎 𝟎. 𝟎𝟓 𝟎. 𝟎𝟏

Titik Kritis 1,933 2,492 3,857 Critical points 1.933 2.492 3.857
(E
Jika diberikan suatu tingkat signifikansi 𝛼 Given a level of significance 𝛼, then 𝐻0 is

tertentu, maka 𝐻0 ditolak apabila nilai statistika rejected if the observed test statistics A2 is
uji observasi 𝐴2 lebih besar dari titik kritis yang greater than the corresponding critical point
terdapat pada tabel di atas. given in the table above.
88

Pemilihan Model Model Selection
Jika terdapat beberapa model peluang yang If there are more than one probability models
dianggap cocok maka pemilihan model peluang which are plausible to model the data then select
yang digunakan untuk memodelkan data a model using the Akaike’s Information Criterion
dilakukan berdasarkan nilai Akaike’s Information (AIC). The AIC is a criteria which takes into
Criterion (AIC). AIC adalah suatu kriteria yang account the model goodness of fit based on the
menyeimbangkan goodness of fit model likelihood of the model and the parsimony
berdasarkan nilai likelihood dari model dengan principle which penalize a model with many
banyaknya parameter dari model. Nilai AIC parameters. The AIC value is calculated using
dapat diperoleh melalui fungsi: the formula:
𝐴𝐼𝐶 = log 𝐿 𝜃̂ ; 𝑥 − 𝑝
log 𝐿 𝜃̂; 𝑥 adalah log-likelihood yang telah 𝑙𝑜𝑔 𝐿 𝜃̂; 𝑥 is the log-likelihood which is
dihitung menggunakan 𝜃̂ yang diperoleh dari calculated using the 𝜃̂ obtained from the MLE
metode MLE dan 𝑝 adalah banyak parameter method and 𝑝 is the number of parameters in
pada model. Berdasarkan fungsi di atas, model the model.
yang dipilih adalah yang memiliki AIC terbesar.
Contoh Example
Data Data
Data yang akan dianalisis adalah data klaim The data analyzed is paid claims data as at
yang sudah dibayarkan (paid claims) as at December 2014 at an insurance company XYZ.
Desember 2014 pada suatu perusahaan Before carrying out the data analysis, the data is
asuransi XYZ. Sebelum dilakukan analisis data, “cleaned” and then “salvage” is separated from
data tersebut “dibersihkan” terlebih dahulu, dan the paid claims data.
data salvage dipisahkan dari data paid claims.
Statistik Deskriptif Descriptive Statistics

Untuk memodelkan distribusi besar klaim, To model the distribution of the paid claims,
model yang digunakan adalah model distribusi probability models for a continuous random
kontinu. Sebelum dilakukan proses pemodelan, variable are considered. The descriptive
ditampilkan terlebih dahulu statistik deskriptif statistics of the data are calculated as follows:
89

dari data paid claim sabagai berikut:
STATISTIK DESKRIPTIF DESCRIPTIVE STATISTICS

MEAN 71.412.972,83 MEAN 71,412,972.83
STDEV 330.513.668,60 STDEV 330,513,668.60
CV 4,63 CV 4.63
Q1 1.753.154,44 Q1 1,753,154.44
Q2 7.356.306,25 Q2 7,356,306.25
Q3 34.091.416,24 Q3 34,091,416.24
MAX 7.104.533.028,25 MAX 7,104,533,028.25
MIN 1.089,49 MIN 1,089.49
N 2.886,00 N 2,886.00
Penaksiran Parameter Parameters Estimation

Dengan menggunakan metode MLE, diperoleh Using the MLE method, estimates of the
taksiran parameter untuk beberapa distribusi parameters for some probability distributions are
peluang berikut: given in the table below:
DISTRIBUSI LOGLIKELIHOOD PARAMETER-1 PARAMETER -2 DISTRIBUTION LOGLIKELIHOOD PARAMETER-1 PARAMETER -2

Gamma −52.720 𝛼 = 0,31 𝜃 = 233.490.000 Gamma −52,720 𝛼 = 0.31 𝜃 = 233,490,000
Inverse Gaussian −53.698 𝜇 = 71.413.000 𝜃 = 506.130 Inverse Gaussian −53,698 𝜇 = 71,413,000 𝜃 = 506,130
Loglogistic −52.038 𝛾 = 0, 81 𝜃 = 7.453.700 Loglogistic −52,038 𝛾 = 0.81 𝜃 = 7,453,700
Lognormal −52.023 𝜇 = 15,84 𝜎 = 2,16 Lognormal −52,023 𝜇 = 15.84 𝜎 = 2.16
Normal −60.707 𝜇 = 71.413.000 𝜎 = 330.510.000 Normal −60,707 𝜇 = 71,413,000 𝜎 = 330,510,000
90

Uji Kecocokan Model Goodness of Fit Test
Dengan menggunakan uji Kolmogorov-Smirnov Using the Kolmogorov-Smirnov and Anderson
& Anderson-Darling, diperoleh nilai statistik uji darling tests, the observed test statistics below
observasi untuk masing-masing statistik uji, are obtained:
sebagai berikut :
KOLMOGOROV- ANDERSON- KOLMOGOROV- ANDERSON-

DISTRIBUSI DISTRIBUTION
SMIRNOV DARLING SMIRNOV DARLING
Gamma 0,0886 156,7457 Gamma 0.0886 156.7457
Inverse Gaussian 0,3506 877,6683 Inverse Gaussian 0.3506 877.6683
Loglogistic 0,0394 4,7080 Loglogistic 0.0394 4.7080
Lognormal 0,0245 3,0282 Lognormal 0.0245 3.0282
Normal 0,4145 𝐼𝑛𝑓 Normal 0.4145 𝐼𝑛𝑓
Untuk tingkat signifikansi 𝛼 = 0,05, For a significance level of 𝛼 = 0.05,

1,36 1.36
diperoleh titik kritis = 0,0253 . Dari tabel the critical point is = 0.0253. From the
2886 2886
di atas, untuk distribusi lognormal dengan table above, for a lognormal probability model
parameter 𝜇 = 15,84 dan 𝜎 = 2,16, with parameters 𝜇 = 15.84 and 𝜎 = 2.16, the
diperoleh nilai observasi statistik uji observed Kolmogorov-Smirnov test statistics
Kolmogorov-Smirnov sebesar 0,0245. Karena value is 0.0245. Hence, only the lognormal
nilai statistik uji observasi lebih kecil dari titik probability model is not rejected as a plausible
kritis (walupun dalam contoh ini perbedaannya model for the paid claims data based on the
tidak terlalu besar), maka hanya distribusi Kolmogorov-Smirnov test. It can be seen that
lognormal, yang lolos uji Kolmogorov-Smirnov. none of the assumed probability models above
Dapat dilihat bahwa tidak ada model peluang are plausible for the paid claims data.
pada tabel di atas yang lolos uji Anderson-
Darling.
91

Pemilihan Model Selecting the Model
Dalam melakukan pemilihan model, penulis Based on the Kolmogorov-Smirnov test for a
menggunakan hasil uji kecocokan model level of significance of 𝛼 = 0.05 a lognormal
dengan menggunakan statistik uji Kolmogorov- distribution with parameters 𝜇 = 15.84 and
Smirnov untuk tingkat signifikansi 𝛼 = 0,05. 𝜎 = 2.16 is selected.
Dipilih model distribusi lognormal dengan
parameter 𝜇 = 15,84 dan 𝜎 = 2,16.
Referensi /Reference
Klugman, S. A., Panjer, H. H., Willmot, G. E. (2005), Loss Models From Data to Decision, New Jersey: John
Willey and Son Inc.
Tse, Y. (2009), Nonlife Actuarial Models Theory, Methods and Evaluation, Cambridge: Cambridge University.
92

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
4.1 - Semarang
4.2 - Yogyakarta
93

4.3 - Others
4 - DIY & Central Java
5.1 - Surabaya
5.2 - Others
5 - East Java
6 - Kalimantan
7.1 - Ujung Pandang
7.2 - Others
7 - Sulawesi
8 - Other Islands
3. f : Frequencies
F : Accumulations of frequencies
Cum : Cumulative (increasing in amount by one addition after another)
4. Incurred Claim
Outstanding Claims (100%) plus paid/settled claims (100%)
5. Sum Insured
The Sum Insured represents 100% Sum Insured
6. Gross Premium
Gross Premium represent 100% premium
7. Loss Ratio
The percentage ratio of Incurred claims to Gross Premium
94

TARIF PREMI ASURANSI GEMPA BUMI
Tarif Premi Untuk Kerusakan Fisik dan Gangguan Usaha Dengan Harga Pertanggungan Nilai Penuh (Full Value Basis )
Dengan Indeminty Period 12 Bulan.
Commercial and Industrial (Non Dwelling House)

Tarif Premi per mil (‰ )
Kelas Konstruksi
Zona I Zona II Zona III Zona IV Zona V
< 9 Storeys 0,90 0,95 1,25 1,50 1,90
Steel, Wood and RC Frame
> 9 Storeys 1,35 1,45 1,55 1,60 2,00
Others 1,00 1,10 1,55 3,00 4,70
Dwelling House - Occupation Code 2976

Tarif Premi per mil (‰ )
Kelas Konstruksi
Zona I Zona II Zona III Zona IV Zona V
Steel, Wood and RC Frame 0,85 0,95 1,15 1,35 1,60
Others 0,90 1,00 1,55 2,75 4,50
Zona mengacu pada tabel Zona
Aturan Tambahan
1. Untuk gedung bertingkat yang mempunyai bangunan di bawah tanah yang lazim disebut "Basement " atau "Semi
Basement" atau dengan nama apapun, lantai bawah tanah tersebut juga diperhitungkan dalam menentukan jumlah lantai.
Dengan demikian, semua lantai dihitung, baik lantai yang ada di atas tanah maupun yang dibawah tanah.
2. Untuk Tower antena yang lazim digunakan sebagai pemancar radio, jaringan listrik, jaringan telepon genggam dan
sejenisnya, tingginya tower (dihitung dari permukaan tanah) dianggap sebagai ukuran jumlah lantai, dengan menggunakan
dasar perhitungan tinggi 1 (satu) lantai adalah +/- 4 meter.
(sumber:Lampiran IV Surat Edaran OJK Nomor: SE-06/D.05/2013, tanggal 31 Desember 2013)
DEFINISI
COMMERCIAL AND INDUSTRIAL : Obyek selain okupasi dwelling house (kode okupasi selain
2976)
 Steel Frame : struktur bangunan yang menggunakan Baja sebagai

rangkanya
 Wood : struktur bangunan yang menggunakan kayu sebagai
rangkanya
 Reinforced Concrete : struktur bangunan yang menggunakan beton bertulang
sebagai rangkanya
95

 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.
96

97

TARIF SUKU PREMI KURANG

DARI 12 BULAN
JANGKA WAKTU PROSENTASI
TARIP TAHUNAN
3 hari 5%
10 hari 10%
1 bulan 20%
1.5 bulan 25%
2 bulan 30%
3 bulan 40%
4 bulan 50%
5 bulan 60%
6 bulan 70%
7 bulan 75%
8 bulan 80%
9 bulan 85%
10 bulan 90%
11 bulan 95%
lebih dari 11 bulan dihitung tarip suku premi penuh
98

SKALA TARIF PREMI GANGGUAN USAHA (BUSINESS INTERRUPTION)

Tarif Premi untuk jaminan gangguan usaha (Business Interruption)
berlaku skala sebagai berikut :
Indemnity Prosentase (%) dari Tarif

Period Premi
1 bulan 20% x 100% tarif premi

21 bulan 91.5% x 100% tarif premi
Untuk Indemnity Period lebih dari 48 bulan

penetapan prosentase dari tarif premi
diserahkan kepada underwriter Perusahaan
Asuransi Umum
99

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
100

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
101

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
102

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
103

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
104

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
105

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
106

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
107

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
108

Statistic Report 30 Juni 2015

Uploaded by

Copyright:

Available Formats

You might also like

Statistic Report 30 Juni 2015

Uploaded by

Document Information

Original Description:

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Statistic Report 30 Juni 2015

Uploaded by

Copyright:

Available Formats

MAIPARK, Statistik, 06/2015

PT Reasuransi MAIPARK Indonesia

Dengan Hormat, Dear Sir / Madam,

Hormat kami, Sincerely,

MAIPARK, Statistik, 06/2015

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

MAIPARK, Statistik, 06/2015

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

Risk and Loss Profile Underwriting Year 2015

Risk and Loss Profile Underwriting Year 2014

Risk and Loss Profile Underwriting Year 2013

MAIPARK, Statistik, 06/2015

MAIPARK, Statistik, 06/2015

Ulasan Aktuaria……………………………….…………84 Actuarial Commentary ……..…………….…………84

MAIPARK, Statistik, 06/2015

1. Otoritas Jasa Keuangan (OJK). 1. Financial Services Authority (OJK).

MAIPARK, Statistik, 06/2015

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

2. Sesi Limit 2. Cession Limit

MAIPARK, Statistik, 06/2015

MAIPARK, Statistik, 06/2015

 15% (lima belas  15% (twenty five

MAIPARK, Statistik, 06/2015

MAIPARK, Statistik, 06/2015

4. Obyek Pertanggungan 4. Insured Object

4.1.1. Kerusakan Fisik: 4.1.1. Material damage:

MAIPARK, Statistik, 06/2015

MAIPARK, Statistik, 06/2015

B. Struktur Pasar B. Market Structure

C. Premi Bruto C. Gross Premium

MAIPARK, Statistik, 06/2015

MAIPARK, Statistik, 06/2015

Tabel 1.2 Jumlah Risiko Berdasarkan Okupasi per 30 Juni2015

Number of Risk By Occupation

Residential, Commercial, 100,292

UY 2012 Residential, 25,468

MAIPARK, Statistik, 06/2015

Private Warehouses and

Jumlah / Total 35,956 35,385 34,065 46,956 14,530

MAIPARK, Statistik, 06/2015

Tabel 1.3 Frekwensi Klaim Berdasarkan Okupasi per 30 Juni 2015

Okupasi Underwriting Year

MAIPARK, Statistik, 06/2015

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

MAIPARK, Statistik, 06/2015

Okupasi 2011 2012 2013 2014 2015

MAIPARK, Statistik, 06/2015

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

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

Daftar Klaim - Klaim Terbesar Posisi 30 Juni 2015

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

*) Pe nye ba b terka i t l e tus a n gunung be ra pi

MAIPARK, Statistik, 06/2015

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

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

Tabel 1.9 Premi dan Exposure per 30 Juni 2015

MAIPARK, Statistik, 06/2015

Underwriting Jumlah Polis Premi ) Frekwensi Klaim Jumlah Klaim )