Statistik bppdan edisi des 2003 by Reasuransi Internasional Indonesia

STATISTIK

Asuransi Kebakaran Indonesia 2000 - 2002

EDISI DESEMBER 2003 Badan Pengelola Pusat Data Asuransi Nasional Jl. Salemba Raya 30 Jakarta 10430, INDONESIA Phone: 392.0101 - 31934.208, Fax: 391.1432 Website: www.reindo.co.id E-mail : bppdan@reindo.co.id

DAFTAR ISI Halaman

TABEL GABUNGAN GRAFIK BAGIAN .1. RISK AND LOSS PROFILE 2000 1.1. GROUP BY CLASS OF BUSINESS 1.2.1. 1.2.2. 1.2.3. 1.2.4. 1.3.

2-5

CLASS OF BUSINESS FIRE CLASS OF BUSINESS IAR CLASS OF BUSINESS LOP CLASS OF BUSINESS EQ

GROUP BY OCCUPATION CODE 1.3.1. 1.3.2. 1.3.3. 1.3.4. 1.3.5. 1.3.6. 1.3.7. 1.3.8. 1.3.9. 1.3.10. 1.3.11. 1.3.12. 1.3.13. 1.3.14.

OCCUPATION CODE OCCUPATION CODE OCCUPATION CODE OCCUPATION CODE OCCUPATION CODE OCCUPATION CODE OCCUPATION CODE OCCUPATION CODE OCCUPATION CODE OCCUPATION CODE OCCUPATION CODE OCCUPATION CODE OCCUPATION CODE OCCUPATION CODE

6-19 20 21 22 23 24 25 26 27 28 29 30 31 32 40

STATISTIK ASURANSI KEBAKARAN INDONESIA 2000 – 2002 Edisi Desember 2003 PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635

Halaman

1.4

GROUP BY PROVINCE 1.4.1. 1.4.2. 1.4.3. 1.4.4. 1.4.5. 1.4.6. 1.4.7. 1.4.8. 1.4.9. 1.4.10. 1.4.11. 1.4.12. 1.4.13. 1.4.14. 1.4.15. 1.4.16. 1.4.17. 1.4.18. 1.4.19. 1.4.20. 1.4.21. 1.4.22. 1.4.23. 1.4.24. 1.4.25. 1.4.26.

20-46

PROVINCE NANGROE ACEH DARUSSALAM PROVINCE SUMATERA UTARA PROVINCE SUMATERA BARAT PROVINCE RIAU PROVINCE JAMBI PROVINCE SUMATERA SELATAN PROVINCE BENGKULU PROVINCE LAMPUNG PROVINCE DKI JAKARTA PROVINCE JAWA BARAT PROVINCE JAWA TENGAH PROVINCE DI YOGYAKARTA PROVINCE JAWA TIMUR PROVINCE KALIMANTAN BARAT PROVINCE KALIMANTAN TENGAH PROVINCE KALIMANTAN SELATAN PROVINCE KALIMANTAN TIMUR PROVINCE SULAWESI UTARA PROVINCE SULAWESI TENGAH PROVINCE SULAWESI SELATAN PROVINCE SULAWESI TENGGARA PROVINCE BALI PROVINCE NUSA TENGGARA BARAT PROVINCE NUSA TENGGARA TIMUR PROVINCE MALUKU PROVINCE IRIAN JAYA STATISTIK ASURANSI KEBAKARAN INDONESIA 2000 – 2002 Edisi Desember 2003 PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635

Halaman

BAGIAN II RISK AND LOSS PROFILE

2002

2.1. GROUP BY CLASS OF BUSINESS

48-51

2.2.1. 2.2.2. 2.2.3. 2.2.4.

CLASS OF BUSINESS FIRE CLASS OF BUSINESS IAR CLASS OF BUSINESS LOP CLASS OF BUSINESS EQ

2.3. GROUP BY OCCUPATION CODE 2.3.1. 2.3.2. 2.3.3. 2.3.4. 2.3.5. 2.3.6. 2.3.7. 2.3.8. 2.3.9. 2.3.10. 2.3.11. 2.3.12. 2.3.13. 2.3.14.

52-65 20 21 22 23 24 25 26 27 28 29 30 31 32 40

STATISTIK ASURANSI KEBAKARAN INDONESIA 2000 – 2002 Edisi Desember 2003 PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635

Halaman

2.3

GROUP BY PROVINCE 2.4.1. 2.4.2. 2.4.3. 2.4.4. 2.4.5. 2.4.6. 2.4.7. 2.4.8. 2.4.9. 2.4.10. 2.4.11. 2.4.12. 2.4.13. 2.4.14. 2.4.15. 2.4.16. 2.4.17. 2.4.18. 2.4.19. 2.4.20. 2.4.21. 2.4.22. 2.4.23. 2.4.24. 2.4.25. 2.4.26.

66-92

PROVINCE NANGROE ACEH PROVINCE SUMATERA UTARA PROVINCE SUMATERA BARAT PROVINCE RIAU PROVINCE JAMBI PROVINCE SUMATERA SELATAN PROVINCE BENGKULU PROVINCE LAMPUNG PROVINCE DKI JAKARTA PROVINCE JAWA BARAT PROVINCE JAWA TENGAH PROVINCE DI YOGYAKARTA PROVINCE JAWA TIMUR PROVINCE KALIMANTAN BARAT PROVINCE KALIMANTAN TENGAH PROVINCE KALIMANTAN SELATAN PROVINCE KALIMANTAN TIMUR PROVINCE SULAWESI UTARA PROVINCE SULAWESI TENGAH PROVINCE SULAWESI SELATAN PROVINCE SULAWESI TENGGARA PROVINCE BALI PROVINCE NUSA TENGGARA BARAT PROVINCE NUSA TENGGARA TIMUR PROVINCE MALUKU PROVINCE IRIAN JAYA STATISTIK ASURANSI KEBAKARAN INDONESIA 2000 – 2002 Edisi Desember 2003 PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635

Halaman

BAGIAN III RISK AND LOSS PROFILE 2002 3.1. GROUP BY CLASS OF BUSINESS 3.2.1. 3.2.2. 3.2.3. 3.2.4.

CLASS OF BUSINESS CLASS OF BUSINESS CLASS OF BUSINESS CLASS OF BUSINESS

94-97

FIRE IAR LOP EQ

3.3. GROUP BY OCCUPATION CODE 3.3.1. 3.3.2. 3.3.3. 3.3.4. 3.3.5. 3.3.6. 3.3.7. 3.3.8. 3.3.9. 3.3.10. 3.3.11. 3.3.12. 3.3.13. 3.3.14.

98-111 20 21 22 23 24 25 26 27 28 29 30 31 32 40

STATISTIK ASURANSI KEBAKARAN INDONESIA 2000 – 2002 Edisi Desember 2003 PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635

Halaman 3.3

GROUP BY PROVINCE 3.4.1. 3.4.2. 3.4.3. 3.4.4. 3.4.5. 3.4.6. 3.4.7. 3.4.8. 3.4.9. 3.4.10. 3.4.11. 3.4.12. 3.4.13. 3.4.14. 3.4.15. 3.4.16. 3.4.17. 3.4.18. 3.4.19. 3.4.20. 3.4.21. 3.4.22. 3.4.23. 3.4.24. 3.4.25. 3.4.26.

PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE PROVINCE

112-138

NANGROE ACEH SUMATERA UTARA SUMATERA BARAT RIAU JAMBI SUMATERA SELATAN BENGKULU LAMPUNG DKI JAKARTA JAWA BARAT JAWA TENGAH DI YOGYAKARTA JAWA TIMUR KALIMANTAN BARAT KALIMANTAN TENGAH KALIMANTAN SELATAN KALIMANTAN TIMUR SULAWESI UTARA SULAWESI TENGAH SULAWESI SELATAN SULAWESI TENGGARA BALI NUSA TENGGARA BARAT NUSA TENGGARA TIMUR MALUKU IRIAN JAYA

STATISTIK ASURANSI KEBAKARAN INDONESIA 2000 – 2002 Edisi Desember 2003 PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30

Jakarta Pusat 10430 PO.Box 2635 BPPDAN Phone No.: 334208 Ext.3163/3164 Fax No.: 3911432

PT. REASURANSI INTERNASIONAL INDONESIA Jl. Salemba Raya No. 30 Jakarta 10430, Indonesia P.O. Box 2635 JKT 10026, Cable REINDO Phones (62) (021) 3924762, 3911431, 334208 Fax (62) (021) 3924769, 3911431

PERTUMBUHAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2000 - 2002 PER KODE OKUPASI THE GROWTH OF POLICY, PREMIUM, CLAIM & LOSS RATIO FROM 2000 TO 2002 BY OCCUPATION CODE Premium and Claim in Million Rp

OCCUPATION CODE 20 - (Mining,Drilling…etc)

Number Policies

Number Claim

UY 2000 Premium

Claim Incurred

% LOSS RATIO

Number Policies

Number Claim

UY 2001 Premium

Claim Incurred

% LOSS RATIO

Number Policies

Number Claim

UY 2002 Premium

Claim Incurred

% LOSS RATIO

325

11,132.7

454.8

4.1

266

38,490.8

572.0

1.5

245

5,187.7

1,949.8

37.6

21 - (Stones, Earth…etc)

1,027

27,715.0

23,983.6

86.5

767

13,788.3

4,450.6

32.3

890

16,880.2

13,541.0

80.2

22 - (Metals)

4,124

148

96,817.7

47,596.9

49.2

4,078

132

65,427.0

50,613.2

77.4

3,936

68,690.5

36,578.7

53.3

23 - (Chemical/Oils/Gas)

4,186

150

137,474.3

123,502.8

89.8

4,258

141

96,191.9

131,755.5

137.0

4,378

144

83,321.9

34,778.4

41.7

24 - (Textiles)

9,213

314

120,190.1

137,196.5

114.2

9,121

225

88,181.1

48,323.8

54.8

8,359

173

73,258.3

40,869.6

55.8

25 - (Paper,Leather,Rubber)

5,074

159

58,336.6

151,716.8

260.1

5,126

125

58,445.4

45,293.4

77.5

5,131

126

74,736.2

43,052.5

57.6

26 - (Wood,Bamboo,Rattan)

4,435

128

95,377.0

26,549.7

27.8

4,309

153

89,958.8

73,387.0

81.6

4,118

64,226.4

64,832.0

100.9

27 - (Nutritional,Drinks…etc)

7,701

178

60,548.7

66,261.8

109.4

7,380

136

51,478.6

37,565.1

73.0

7,513

118

50,735.3

9,644.8

19.0

151

1,102.0

67.0

6.1

101

1,018.7

24.6

2.4

136

2,575.9

136.5

5.3

400,294

1,486

502,277.2

303,516.6

60.4

413,131

1,592

451,380.2

141,095.9

31.3

392,139

1,355

519,698.5

199,805.6

38.5

28 - (Power and Heating) 29 - (Transport,Traffic…etc) 30 - (Estate Plantation Risk)

457

4,827.3

1,292.9

26.8

227

4,030.9

602.3

14.9

154

1,165.1

1,949.2

167.3

31 - (Estate Plantation Risk)

1,138

251

13,568.5

8,328.4

61.4

1,100

243

19,647.7

7,772.9

39.6

290

5,032.8

1,535.7

30.5

198

3,743.8

551.4

14.7

199

4,900.8

674.2

13.8

874.0

109.1

12.5

2,952.2

123.0

4.2

290.5

0.6

0.2

112

2,005.2

13.2

0.7

450,143

2,814

983,230.7

427,499

2,182

32 - (Recreation Place) 40 - (Non Estate Plantation)

438,411

2,948

1,136,063.1

891,142.2

78.4

542,131.1

55.1

968,388.0

448,796.1

46.3

Catatan/Note : 1. Posisi Data sampai dengan penerimaan 15 Desember 2003 (Data Position Until 15 December 2003) 2. Claim Incurred 2000 : Rp. 746.518.580.225,36,- (Settled = 2,617 Kasus) , Rp. 144.623.586.146,84,- (Os Claim = 331 Kasus) 2001 : Rp. 450.632.590.671,57,- (Settled = 2,545 Kasus) , Rp. 91.498.509.329,00,- (Os Claim = 269 Kasus) 2002 : Rp. 200.133.958.470,17,- (Settled = 1,288 Kasus) , Rp. 193.880.141.530,00,- (Os Claim = 393 Kasus) 3. Data di atas tidak termasuk / tdk ada polis Klaim (not include claim-no policy) : 2000 : Rp. 125.139.762.952,09,- (Freq Claim = 722) 2001 : Rp. 98.771.710.265,55,- (Freq Claim = 569) 2002 : Rp. 122.097.100.318,06,- (Freq Claim = 1,122) dan Klaim Flood Rp. 225.318.529.957,63,- (Freq Claim =263)

PERTUMBUHAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2000 - 2002 PER PROPINSI THE GROWTH OF POLICY, PREMIUM, CLAIM & LOSS RATIO FROM 2000 TO 2002 BY PROVINCE Premium and Claim in Million Rp

PROVINCE CODE 01 - ( NANGROE ACEH DARUSSALAM ) 02 - ( Sumatera Utara ) 03 - ( Sumatera Barat )

Number Policies

Number Claim

UY 2000 Premium

Claim Incurred

% LOSS RATIO

Number Policies

Number Claim

UY 2001 Premium

Claim % LOSS Incurred RATIO

Number Policies

Number Claim

UY 2002 Premium

Claim Incurred

% LOSS RATIO

4,499

4,346.7

6,819.6

156.9

2,942

4,771.5

5,155.5

108.0

4,113

37,707.3

795.6

2.1

25,918

133

46,662.1

61,122.7

131.0

25,527

122

46,440.7

15,737.2

33.9

25,603

105

44,198.4

10,472.1

22.5

7,455

4,440.6

2,119.3

47.7

7,317

5,782.9

2,037.2

35.2

7,566

5,996.7

1,999.7

39.7

15,493

104

35,246.1

16,815.3

47.7

15,304

30,792.0

14,111.7

45.8

14,994

31,890.4

7,650.7

27.7

05 - ( Jambi )

3,077

6,192.3

962.4

15.5

3,069

4,778.4

2,093.1

43.8

3,429

6,147.4

4,177.0

74.0

06 - ( Sumatera Selatan )

8,694

23,281.7

5,135.5

22.1

10,450

14,611.9

2,806.8

19.2

10,662

18,620.2

11,830.7

80.5

07 - ( Bengkulu )

2,105

3,075.6

35.5

1.2

1,823

1,742.3

399.3

22.9

2,301

1,479.2

1,697.4

151.2

08 - ( Lampung )

5,296

13,331.1

6,182.3

46.4

4,838

12,211.7

2,431.5

19.9

5,727

11,293.6

2,151.1

5.0

133,339

660

376,998.9 221,576.7

58.8

139,538

695 291,339.2

102,958.0

35.3

128,113

721

265,986.4

131,214.0

80.3

10 - ( Jawa Barat )

87,571

687

323,943.0 221,497.7

68.4

95,364

793 267,233.6

240,261.5

89.9

85,777

484

256,999.1

120,485.7

38.1

11 - ( Jawa Tengah )

33,669

294

63,382.4

49,915.5

78.8

26,853

214

48,908.8

49,986.8

102.2

22,943

129

49,199.0

12,075.8

28.4

3,223

7,100.1

977.5

13.8

2,885

4,204.8

202.8

4.8

3,064

4,437.9

626.3

15.2

13 - ( Jawa Timur )

43,802

453

127,980.9 188,805.1

147.5

43,666

393 139,726.2

50,865.7

36.4

41,520

197

109,593.9

61,046.3

43.0

14 - ( Kalimantan Barat )

04 - ( Riau )

09 - ( DKI . Jakarta )

12 - ( DI . Yogyakarta )

14,067

146

15,745.2

11,608.8

73.7

19,513

162

19,159.0

11,640.3

60.8

19,602

110

23,182.1

19,295.9

99.1

15 - ( Kalimantan Tengah )

2,322

5,516.9

4,195.6

76.1

2,328

4,927.4

399.9

8.1

2,788

4,839.6

5,161.6

123.1

16 - ( Kalimantan Selatan )

5,254

8,925.5

1,734.7

19.4

6,488

10,663.5

3,213.2

30.1

6,933

17,772.8

7,826.1

40.8

17 - ( Kalimantan Timur )

8,607

14,457.3

3,928.6

27.2

10,289

24,585.0

9,025.2

36.7

9,690

25,937.6

12,703.9

54.5

18 - ( Sulawesi Utara )

5,595

7,727.4

566.7

7.3

6,261

7,664.5

3,514.1

45.9

6,300

7,108.6

5,548.0

101.1

19 - ( Sulawesi Tengah )

2,553

2,681.5

1,720.2

64.2

2,651

3,012.5

1,573.7

52.2

3,748

4,144.8

1,425.7

38.3

20 - ( Sulawesi Selatan )

9,185

15,414.3

72,728.4

471.8

9,375

13,055.7

3,302.2

25.3

7,771

12,174.8

14,378.2

152.0

21 - ( Sulawesi Tenggara )

1,269

1,194.9

564.5

47.2

1,133

830.9

510.2

61.4

1,304

1,044.3

48.8

6.3

22 - ( Bali )

8,580

15,400.3

7,296.6

47.4

7,474

14,039.3

16,861.5

120.1

7,667

14,407.2

12,748.6

103.2

23 - ( Nusa Tenggara Barat )

2,225

2,560.2

724.5

28.3

1,450

2,511.2

2,011.5

80.1

1,677

2,407.4

132.0

5.6

24 - ( Nusa Tenggara Timur )

2,169

2,042.6

327.7

16.0

1,452

2,047.5

156.6

7.7

1,755

2,778.4

59.5

4.6

698

3,778.9

3,555.7

94.1

649

3,853.4

173.3

4.5

785

6,171.6

2,377.3

8.8

1,746

4,636.6

225.1

4.9

1,504

4,336.8

702.3

16.2

1,667

2,869.25

868.2

45.5

78.4

450,143

2,814 983,230.7

542,131.1

55.1

427,499

2,182

968,388.0

448,796.1

46.3

25 - ( Maluku ) 26 - ( Irian Jaya )

438,411

2,948 1,136,063.1

891,142.2

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 BPPDAN Phone No.: 334208 Ext.3163/3164 Fax No.: 3911432

THE GROWTH OF NUMBER POLICIES FROM 2000 - 2002 600,000 550,000 500,000 450,000 400,000

NUMBER POLICIES

350,000

UY 2000 UY 2001

300,000

UY 2002

250,000 200,000 150,000 100,000 50,000 0 20 21 22 23 24 25 26 27 28 29 30 31 32 40 OCCUPATION CODE

THE GROWTH OF PREMIUM FROM 2000 - 2002

550,000

450,000

PREMIUM (in Million Rupiahs)

350,000

UY 2000 UY 2001 UY 2002

250,000

150,000

50,000

-50,000 20 21 22 23 24 25 26 27 28 29 30 31 32 40 OCCUPATION CODE

THE GROWTH OF NUMBER CLAIM FROM 2001 - 2003 2,000 1,900 1,800 1,700 1,600 1,500 1,400 1,300

NUMBER CLAIM

1,200 1,100

UY 2001

1,000

UY 2002 UY 2003

900 800 700 600 500 400 300 200 100 0

OCCUPATION CODE

grafik_statistik_jml._klaim.xls/hd4/ia'00

31 32

THE GROWTH OF CLAIM FROM 2000 - 2002

350,000

300,000

CLAIM INCURRED (In Million Rupiahs)

250,000

200,000 UY 2000 UY 2001 UY 2002

150,000

100,000

50,000

0 20 21 22 23 24 25 26 27 28 29 30 31 32 40 OCCUPATION CODE

THE GROWTH OF LOSS RATIO FROM 2000 - 2002

97 98 99

450 425 400 375 350 325 300

% RATIO

275 250

UY 2000 UY 2001 UY 2002

225 200 175 150 125 100 75 50 25 0 20 21 22 23 24 25 26 27 28 29 30 31 32 40 OCCUPATION CODE

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 BPPDAN Phone No.: 334208 Ext.3163/3164 Fax No.: 3911432

PT. REASURANSI INTERNASIONAL INDONESIA Jl. Salemba Raya No. 30, Jakarta 10430, Indonesia P.O. Box 2635 JKT 10026, Cable REINDO Phones (62) (021) 3927345, 3911431, 334208, 331004 Fax (62) (021) 3924769, 3911432

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2000

15/12/2003

DATE

15/03/2004

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

1 0 50 2 50 100 3 100 200 4 200 300 5 300 500 6 500 750 7 750 1,000 8 1,000 1,500 9 1,500 2,000 10 2,000 2,500 11 2,500 3,000 12 3,000 4,000 13 4,000 5,000 14 5,000 7,500 15 7,500 10,000 16 10,000 20,000 17 20,000 50,000 18 50,000 100,000 19 100,000 500,000 20 500,000 Up

PERCENTAGE f

25 125,158 125,158 75 87,792 212,950 150 84,883 297,833 250 40,060 337,893 400 37,501 375,394 625 17,114 392,508 875 12,056 404,564 1,250 9,070 413,634 1,750 5,111 418,745 2,250 2,936 421,681 2,750 2,301 423,982 3,500 2,739 426,721 4,500 1,776 428,497 6,250 2,455 430,952 8,750 1,474 432,426 15,000 2,402 434,828 35,000 1,806 436,634 75,000 867 437,501 300,000 752 438,253 158 438,411

BAND

28.6 20.0 19.4 9.1 8.6 3.9 2.8 2.1 1.2 0.7 0.5 0.6 0.4 0.6 0.3 0.6 0.4 0.2 0.2 0.0

CUM.

28.6 48.6 67.9 77.1 85.6 89.5 92.3 94.4 95.5 96.2 96.7 97.3 97.7 98.3 98.6 99.2 99.6 99.8 100.0 100.0

PERCENTAGE rp

14,123.0 14,123.0 20,423.6 34,546.7 36,305.6 70,852.3 29,760.1 100,612.4 45,220.0 145,832.4 32,052.6 177,885.0 33,143.0 211,028.0 34,407.1 245,435.0 25,976.4 271,411.4 20,591.1 292,002.5 17,796.3 309,798.8 25,641.0 335,439.7 20,625.4 356,065.1 39,090.9 395,156.0 29,966.1 425,122.1 74,653.1 499,775.2 103,796.9 603,572.1 82,777.2 686,349.2 169,450.7 855,800.0 280,263.1 1,136,063.1

TOTAL 438,411 1,136,063.1 Catatan / Note : Data belum termasuk Klaim Fire yang tidak ada Polisnya Rp. 125.139.762.952,09 - Freq. Klaim 722

BAND

1.2 1.8 3.2 2.6 4.0 2.8 2.9 3.0 2.3 1.8 1.6 2.3 1.8 3.4 2.6 6.6 9.1 7.3 14.9 24.7

PERCENTAGE

CUM.

1.2 3.0 6.2 8.9 12.8 15.7 18.6 21.6 23.9 25.7 27.3 29.5 31.3 34.8 37.4 44.0 53.1 60.4 75.3 100.0

286 218 196 122 144 104 98 95 71 91 58 82 71 210 79 273 253 180 206 111 2,948

286 504 700 822 966 1,070 1,168 1,263 1,334 1,425 1,483 1,565 1,636 1,846 1,925 2,198 2,451 2,631 2,837 2,948

BAND

9.7 7.4 6.7 4.1 4.9 3.5 3.3 3.2 2.4 3.1 2.0 2.8 2.4 7.1 2.7 9.3 8.6 6.1 7.0 3.8

CUM.

PERCENTAGE rp

9.7 5,404.1 5,404.1 17.1 7,767.9 13,172.0 23.7 12,471.8 25,643.8 27.9 8,201.9 33,845.6 32.8 11,201.9 45,047.6 36.3 10,222.3 55,269.9 39.6 9,778.2 65,048.1 42.8 12,604.7 77,652.7 45.3 6,182.6 83,835.3 48.3 14,117.8 97,953.2 50.3 3,080.1 101,033.2 53.1 27,521.0 128,554.3 55.5 9,869.4 138,423.7 62.6 7,407.4 145,831.0 65.3 34,092.0 179,923.0 74.6 103,302.2 283,225.2 83.1 99,888.3 383,113.5 89.3 183,247.4 566,360.9 96.2 81,308.3 647,669.2 100.0 243,472.9 891,142.2 891,142.2

BAND

0.6 0.9 1.4 0.9 1.3 1.2 1.1 1.4 0.7 1.6 0.4 3.1 1.1 0.8 3.8 11.6 11.2 20.6 9.1 27.3

CUM.

0.6 1.5 2.9 3.8 5.1 6.2 7.3 8.7 9.4 11.0 11.3 14.4 15.5 16.4 20.2 31.8 43.0 63.6 72.7 100.0

PERCENTAGE BAND

38.3 38.0 34.4 27.6 24.8 31.9 29.5 36.6 23.8 68.6 17.3 107.3 47.9 19.0 113.8 138.4 96.2 221.4 48.0 86.9

CUM

38.3 38.1 36.2 33.6 30.9 31.1 30.8 31.6 30.9 33.6 32.6 38.3 38.9 36.9 42.3 56.7 63.5 82.5 75.7 78.4 78.4

( Data not Include Claim Fire no Policy Rp. 125.139.762.952,09 - Freq Claim 722 )

Page 1 of 138

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 BPPDAN Phone No.: 334208 Ext.3163/3164 Fax No.: 3911432

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

:FIRE

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM

01/01/2000

15/12/2003

DATE

15/03/2004

PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

0 50 50 100 100 200 200 300 300 500 500 750 750 1,000 1,000 1,500 1,500 2,000 2,000 2,500 2,500 3,000 3,000 4,000 4,000 5,000 5,000 7,500 7,500 10,000 10,000 20,000 20,000 50,000 50,000 100,000 100,000 500,000 500,000 Up TOTAL

PERCENTAGE f

25 122,059 122,059 75 86,225 208,284 150 82,543 290,827 250 38,236 329,063 400 35,400 364,463 625 15,619 380,082 875 11,023 391,105 1,250 7,926 399,031 1,750 4,349 403,380 2,250 2,422 405,802 2,750 1,871 407,673 3,500 2,193 409,866 4,500 1,358 411,224 6,250 1,777 413,001 8,750 952 413,953 15,000 1,449 415,402 35,000 903 416,305 75,000 324 416,629 300,000 224 416,853 51 416,904 416,904

BAND

29.3 20.7 19.8 9.2 8.5 3.8 2.6 1.9 1.0 0.6 0.5 0.5 0.3 0.4 0.2 0.4 0.2 0.1 0.1 0.0

CUM.

PERCENTAGE rp

29.3 11,744.9 50.0 20,095.2 69.8 35,374.8 78.9 28,643.8 87.4 43,271.6 91.2 29,980.7 93.8 31,206.2 95.7 31,255.9 96.8 23,200.1 97.3 17,680.9 97.8 15,438.7 98.3 22,332.2 98.6 17,051.8 99.1 31,048.7 99.3 21,830.4 99.6 49,458.2 99.9 59,329.8 99.9 36,524.5 100.0 56,998.0 100.0 170,488.7 752,955.0

11,744.9 31,840.1 67,214.9 95,858.7 139,130.3 169,111.0 200,317.2 231,573.1 254,773.2 272,454.1 287,892.8 310,225.0 327,276.8 358,325.4 380,155.8 429,614.0 488,943.8 525,468.3 582,466.3 752,955.0

BAND

1.6 2.7 4.7 3.8 5.8 4.0 4.1 4.2 3.1 2.4 2.1 3.0 2.3 4.1 2.9 6.6 7.9 4.9 7.6 22.6

CUM.

1.6 4.2 8.9 12.7 18.5 22.5 26.6 30.8 33.8 36.2 38.2 41.2 43.5 47.6 50.5 57.1 64.9 69.8 77.4 100.0

PERCENTAGE f

272 201 175 108 111 79 69 75 51 72 36 60 53 168 40 167 80 65 46 10 1,938

272 473 648 756 867 946 1,015 1,090 1,141 1,213 1,249 1,309 1,362 1,530 1,570 1,737 1,817 1,882 1,928 1,938

BAND

14.0 10.4 9.0 5.6 5.7 4.1 3.6 3.9 2.6 3.7 1.9 3.1 2.7 8.7 2.1 8.6 4.1 3.4 2.4 0.5

CUM.

14.0 4,902.1 4,902.1 24.4 7,556.2 12,458.3 33.4 12,310.0 24,768.3 39.0 8,123.5 32,891.8 44.7 10,363.0 43,254.8 48.8 8,831.8 52,086.6 52.4 7,603.7 59,690.3 56.2 10,503.5 70,193.8 58.9 4,654.4 74,848.1 62.6 13,591.4 88,439.5 64.5 2,283.3 90,722.8 67.5 26,306.8 117,029.6 70.3 6,798.9 123,828.6 79.0 5,986.1 129,814.7 81.0 20,325.2 150,139.9 89.6 77,762.2 227,902.1 93.8 22,320.8 250,222.9 97.1 146,207.9 396,430.8 99.5 9,657.6 406,088.4 100.0 113,271.3 519,359.7

PERCENTAGE

BAND

CUM.

0.9 0.9 1.5 2.4 2.4 4.8 1.6 6.3 2.0 8.3 1.7 10.0 1.5 11.5 2.0 13.5 0.9 14.4 2.6 17.0 0.4 17.5 5.1 22.5 1.3 23.8 1.2 25.0 3.9 28.9 15.0 43.9 4.3 48.2 28.2 76.3 1.9 78.2 21.8 100.0

CUM

41.7 37.6 34.8 28.4 24.0 29.5 24.4 33.6 20.1 76.9 14.8 117.8 39.9 19.3 93.1 157.2 37.6 400.3 16.9 66.4

519,359.7

41.7 39.1 36.9 34.3 31.1 30.8 29.8 30.3 29.4 32.5 31.5 37.7 37.8 36.2 39.5 53.1 51.2 75.4 69.7 69.0 69.0

Page 2 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

:I.A.R

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2000

15/12/2003

DATE

15/03/2004

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2,601 1,048 1,582 1,315 1,522 1,058 727 798 554 378 322 407 312 475 377 704 687 379 402 92 15,740

2,601 3,649 5,231 6,546 8,068 9,126 9,853 10,651 11,205 11,583 11,905 12,312 12,624 13,099 13,476 14,180 14,867 15,246 15,648 15,740

BAND

16.5 6.7 10.1 8.4 9.7 6.7 4.6 5.1 3.5 2.4 2.1 2.6 2.0 3.0 2.4 4.5 4.4 2.4 2.6 0.6

CUM.

PERCENTAGE rp

16.5 2,357.7 2,357.7 23.2 280.8 2,638.6 33.2 815.8 3,454.4 41.6 976.0 4,430.4 51.3 1,583.3 6,013.7 58.0 1,748.6 7,762.3 62.6 1,605.4 9,367.7 67.7 2,591.5 11,959.2 71.2 2,367.5 14,326.7 73.6 2,545.9 16,872.6 75.6 2,112.8 18,985.4 78.2 3,005.2 21,990.6 80.2 3,019.9 25,010.4 83.2 6,866.7 31,877.1 85.6 7,203.4 39,080.5 90.1 22,788.5 61,869.0 94.5 39,823.5 101,692.6 96.9 41,772.5 143,465.0 99.4 104,106.5 247,571.6 100.0 100,369.9 347,941.4 347,941.4

BAND

0.7 0.1 0.2 0.3 0.5 0.5 0.5 0.7 0.7 0.7 0.6 0.9 0.9 2.0 2.1 6.6 11.5 12.0 29.9 28.9

CUM.

0.7 0.8 1.0 1.3 1.7 2.2 2.7 3.4 4.1 4.9 5.5 6.3 7.2 9.2 11.2 17.8 29.2 41.2 71.2 100.0

PERCENTAGE f

13 17 19 13 32 23 26 20 20 18 22 22 16 39 37 105 171 114 158 101

13 30 49 62 94 117 143 163 183 201 223 245 261 300 337 442 613 727 885 986

986

BAND

1.3 1.7 1.9 1.3 3.3 2.3 2.6 2.0 2.0 1.8 2.2 2.2 1.6 4.0 3.8 10.7 17.3 11.6 16.0 10.2

CUM.

PERCENTAGE rp

1.3 497.4 3.0 211.7 5.0 150.6 6.3 75.2 9.5 818.9 11.9 1,137.9 14.5 2,120.3 16.5 2,101.2 18.6 1,528.2 20.4 508.9 22.6 796.8 24.9 1,214.2 26.5 2,515.4 30.4 1,421.2 34.2 13,347.3 44.8 25,537.5 62.2 77,531.4 73.7 32,399.2 89.8 70,734.2 100.0 130,201.6 364,849.2

497.4 709.1 859.7 934.9 1,753.8 2,891.7 5,012.0 7,113.1 8,641.4 9,150.3 9,947.1 11,161.3 13,676.6 15,097.9 28,445.2 53,982.7 131,514.1 163,913.4 234,647.6 364,849.2

BAND

0.1 0.1 0.0 0.0 0.2 0.3 0.6 0.6 0.4 0.1 0.2 0.3 0.7 0.4 3.7 7.0 21.3 8.9 19.4 35.7

PERCENTAGE

CUM.

BAND

0.1 0.2 0.2 0.3 0.5 0.8 1.4 2.0 2.4 2.5 2.7 3.1 3.8 4.1 7.8 14.8 36.1 44.9 64.3 100.0

21.1 75.4 18.5 7.7 51.7 65.1 132.1 81.1 64.6 20.0 37.7 40.4 83.3 20.7 185.3 112.1 194.7 77.6 67.9 129.7

CUM

21.1 26.9 24.9 21.1 29.2 37.3 53.5 59.5 60.3 54.2 52.4 50.8 54.7 47.4 72.8 87.3 129.3 114.3 94.8 104.9 104.9

Page 3 of 1387

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

:L.O.P

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2000

15/12/2003

DATE

15/03/2004

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

10 9 15 11 14 30 22 41 31 18 9 10 23 42 36 49 51 53 20 3 497

10 19 34 45 59 89 111 152 183 201 210 220 243 285 321 370 421 474 494 497

BAND

2.0 1.8 3.0 2.2 2.8 6.0 4.4 8.3 6.2 3.6 1.8 2.0 4.6 8.5 7.2 9.9 10.3 10.7 4.0 0.6

CUM.

2.0 3.8 6.8 9.1 11.9 17.9 22.3 30.6 36.8 40.4 42.3 44.3 48.9 57.3 64.6 74.5 84.7 95.4 99.4 100.0

PERCENTAGE rp

6.1 6.1 2.0 8.1 5.4 13.6 5.8 19.4 153.9 173.3 68.4 241.7 79.2 320.9 232.4 553.2 190.5 743.7 154.0 897.6 60.9 958.5 76.6 1,035.1 225.6 1,260.7 593.8 1,854.4 436.0 2,290.4 1,011.8 3,302.2 2,664.7 5,966.9 2,151.8 8,118.7 4,569.5 12,688.2 281.2 12,969.4 12,969.4

BAND

0.1 0.0 0.0 0.0 1.2 0.5 0.6 1.8 1.5 1.2 0.5 0.6 1.7 4.6 3.4 7.8 20.6 16.6 35.2 2.2

CUM.

0.1 0.1 0.1 0.2 1.3 1.9 2.5 4.3 5.7 6.9 7.4 8.0 9.7 14.3 17.7 25.5 46.0 62.6 97.8 100.0

PERCENTAGE f

1 0 0 0 0 0 0 0 0 0 0 0 1 1 2 1 2 1 2 0 11

1 1 1 1 1 1 1 1 1 1 1 1 2 3 5 6 8 9 11 11

BAND

9.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 9.1 9.1 18.2 9.1 18.2 9.1 18.2 0.0

CUM.

9.1 9.1 9.1 9.1 9.1 9.1 9.1 9.1 9.1 9.1 9.1 9.1 18.2 27.3 45.5 54.6 72.7 81.8 100.0 100.0

PERCENTAGE rp

4.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 455.3 0.0 419.5 2.5 36.1 4,640.3 916.5 0.0

4.6 4.6 4.6 4.6 4.6 4.6 4.6 4.6 4.6 4.6 4.6 4.6 459.8 459.8 879.3 881.8 917.9 5,558.2 6,474.7 6,474.7

BAND

0.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 7.0 0.0 6.5 0.0 0.6 71.7 14.2 0.0

CUM.

0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 7.1 7.1 13.6 13.6 14.2 85.8 100.0 100.0

PERCENTAGE BAND

CUM

74.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 201.9 0.0 96.2 0.3 1.4 215.7 20.1 0.0

6,474.7

74.2 55.9 33.6 23.5 2.6 1.9 1.4 0.8 0.6 0.5 0.5 0.4 36.5 24.8 38.4 26.7 15.4 68.5 51.0 49.9 49.9

Page 4 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: Earthquake

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: All Code

SUM INSURED BAND

01/01/2000

15/12/2003

DATE

15/03/2004

PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

DATA POSITION FROM

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

488 510 743 498 565 407 284 305 177 118 99 129 83 161 109 200 165 111 106 12 5,270

488 998 1,741 2,239 2,804 3,211 3,495 3,800 3,977 4,095 4,194 4,323 4,406 4,567 4,676 4,876 5,041 5,152 5,258 5,270

BAND

9.3 9.7 14.1 9.5 10.7 7.7 5.4 5.8 3.4 2.2 1.9 2.5 1.6 3.1 2.1 3.8 3.1 2.1 2.0 0.2

CUM.

9.3 18.9 33.0 42.5 53.2 60.9 66.3 72.1 75.5 77.7 79.6 82.0 83.6 86.7 88.7 92.5 95.7 97.8 99.8 100.0

PERCENTAGE rp

14.3 14.3 45.5 59.9 109.5 169.4 134.5 303.9 211.2 515.1 254.8 770.0 252.3 1,022.3 327.3 1,349.6 218.4 1,567.9 210.3 1,778.2 183.9 1,962.1 227.0 2,189.1 328.2 2,517.3 581.8 3,099.0 496.4 3,595.4 1,394.5 4,989.9 1,978.9 6,968.8 2,328.4 9,297.2 3,776.7 13,073.9 9,123.4 22,197.3 22,197.3

BAND

0.1 0.2 0.5 0.6 1.0 1.2 1.1 1.5 1.0 1.0 0.8 1.0 1.5 2.6 2.2 6.3 8.9 10.5 17.0 41.1

CUM.

0.1 0.3 0.8 1.4 2.3 3.5 4.6 6.1 7.1 8.0 8.8 9.9 11.3 14.0 16.2 22.5 31.4 41.9 58.9 100.0

PERCENTAGE f

0 0 2 1 1 2 3 0 0 1 0 0 1 2 0 0 0 0 0 0 13

BAND

0 0 2 3 4 6 9 9 9 10 10 10 11 13 13 13 13 13 13 13

0.0 0.0 15.4 7.7 7.7 15.4 23.1 0.0 0.0 7.7 0.0 0.0 7.7 15.4 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

0.0 0.0 15.4 23.1 30.8 46.2 69.2 69.2 69.2 76.9 76.9 76.9 84.6 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

0.0 0.0 11.2 3.2 20.0 252.7 54.2 0.0 0.0 17.6 0.0 0.0 99.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 11.2 14.4 34.4 287.1 341.3 341.3 341.3 358.8 358.8 358.8 458.6 458.6 458.6 458.6 458.6 458.6 458.6 458.6

BAND

0.0 0.0 2.5 0.7 4.4 55.1 11.8 0.0 0.0 3.8 0.0 0.0 21.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

0.0 0.0 2.5 3.1 7.5 62.6 74.4 74.4 74.4 78.2 78.2 78.2 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

CUM

0.0 0.0 10.3 2.3 9.5 99.2 21.5 0.0 0.0 8.4 0.0 0.0 30.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0

458.6

0.0 0.0 6.6 4.7 6.7 37.3 33.4 25.3 21.8 20.2 18.3 16.4 18.2 14.8 12.8 9.2 6.6 4.9 3.5 0.0 0.0

Page 5 of 138

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 BPPDAN Phone No.: 334208 Ext.3163/3164 Fax No.: 3911432

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: 20

DATA POSITION FROM : TO PROCESSING

01/01/2000

15/12/2003

DATE :

15/03/2004

Mining, Driling Instalation, Salt Mines, Peat Extraction, Metalurgical Plants

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

51 21 38 21 18 18 15 13 13 7 10 14 8 15 9 17 11 10 11 5 325

51 72 110 131 149 167 182 195 208 215 225 239 247 262 271 288 299 309 320 325

BAND

15.7 6.5 11.7 6.5 5.5 5.5 4.6 4.0 4.0 2.2 3.1 4.3 2.5 4.6 2.8 5.2 3.4 3.1 3.4 1.5

CUM.

15.7 22.2 33.9 40.3 45.9 51.4 56.0 60.0 64.0 66.2 69.2 73.5 76.0 80.6 83.4 88.6 92.0 95.1 98.5 100.0

PERCENTAGE rp

2.4 2.6 11.4 10.4 16.4 40.3 18.4 22.9 99.3 19.5 39.8 95.9 54.3 197.5 105.4 318.7 908.3 1,157.2 2,459.0 5,553.0 11,132.7

2.4 5.0 16.4 26.8 43.2 83.5 101.9 124.8 224.1 243.7 283.4 379.4 433.7 631.2 736.6 1055.2 1963.5 3120.7 5579.7 11132.7

BAND

0.0 0.0 0.1 0.1 0.2 0.4 0.2 0.2 0.9 0.2 0.4 0.9 0.5 1.8 1.0 2.9 8.2 10.4 22.1 49.9

CUM.

0.0 0.0 0.2 0.2 0.4 0.8 0.9 1.1 2.0 2.2 2.6 3.4 3.9 5.7 6.6 9.5 17.6 28.0 50.1 100.0

PERCENTAGE f

0 1 0 0 1 0 0 0 1 0 0 0 0 0 0 2 0 0 0 3 8

BAND

0 1 1 1 2 2 2 2 3 3 3 3 3 3 3 5 5 5 5 8

0.0 12.5 0.0 0.0 12.5 0.0 0.0 0.0 12.5 0.0 0.0 0.0 0.0 0.0 0.0 25.0 0.0 0.0 0.0 37.5

CUM.

0.0 12.5 12.5 12.5 25.0 25.0 25.0 25.0 37.5 37.5 37.5 37.5 37.5 37.5 37.5 62.5 62.5 62.5 62.5 100.0

PERCENTAGE rp

0.0 0.8 0.0 0.0 28.4 0.0 0.0 0.0 1.8 0.0 0.0 0.0 0.0 0.0 0.0 404.4 0.0 0.0 0.0 19.4 454.8

0.0 0.8 0.8 0.8 29.2 29.2 29.2 29.2 31.0 31.0 31.0 31.0 31.0 31.0 31.0 435.4 435.4 435.4 435.4 454.8

BAND

0.0 0.2 0.0 0.0 6.3 0.0 0.0 0.0 0.4 0.0 0.0 0.0 0.0 0.0 0.0 88.9 0.0 0.0 0.0 4.3

CUM.

0.0 0.2 0.2 0.2 6.4 6.4 6.4 6.4 6.8 6.8 6.8 6.8 6.8 6.8 6.8 95.7 95.7 95.7 95.7 100.0

PERCENTAGE BAND

0.0 30.1 0.0 0.0 173.3 0.0 0.0 0.0 1.8 0.0 0.0 0.0 0.0 0.0 0.0 126.9 0.0 0.0 0.0 0.4

CUM

0.0 15.4 4.7 2.9 67.6 35.0 28.7 23.4 13.8 12.7 10.9 8.2 7.1 4.9 4.2 41.3 22.2 14.0 7.8 4.1 4.1

Page 6 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2000

15/12/2003

DATE

15/03/2004

Stone,Earth,(Animal) Bons or Shells

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

180 74 73 44 58 42 37 48 37 15 22 40 37 45 27 69 79 42 46 12 1,027

180 254 327 371 429 471 508 556 593 608 630 670 707 752 779 848 927 969 1,015 1,027

BAND

17.5 7.2 7.1 4.3 5.7 4.1 3.6 4.7 3.6 1.5 2.1 3.9 3.6 4.4 2.6 6.7 7.7 4.1 4.5 1.2

CUM.

PERCENTAGE rp

17.5 18.0 18.0 24.7 10.9 28.9 31.8 24.7 53.6 36.1 29.4 83.0 41.8 51.2 134.2 45.9 56.5 190.7 49.5 57.3 248.1 54.1 80.9 329.0 57.7 96.4 425.4 59.2 69.9 495.3 61.3 79.2 574.6 65.2 200.7 775.2 68.8 150.2 925.5 73.2 323.3 1,248.7 75.9 203.3 1,452.0 82.6 1,059.0 2,511.0 90.3 2,971.2 5,482.3 94.4 3,326.9 8,809.1 98.8 8,331.5 17,140.6 100.0 10,574.4 27,715.0 27,715.0

BAND

0.1 0.0 0.1 0.1 0.2 0.2 0.2 0.3 0.4 0.3 0.3 0.7 0.5 1.2 0.7 3.8 10.7 12.0 30.1 38.2

CUM.

0.1 0.1 0.2 0.3 0.5 0.7 0.9 1.2 1.5 1.8 2.1 2.8 3.3 4.5 5.2 9.1 19.8 31.8 61.9 100.0

PERCENTAGE f

17 2 1 0 0 0 1 0 0 0 1 0 1 2 1 5 3 2 14 7 57

BAND

17 19 20 20 20 20 21 21 21 21 22 22 23 25 26 31 34 36 50 57

29.8 3.5 1.8 0.0 0.0 0.0 1.8 0.0 0.0 0.0 1.8 0.0 1.8 3.5 1.8 8.8 5.3 3.5 24.6 12.3

CUM.

PERCENTAGE rp

29.8 20.7 20.7 33.3 1.5 22.3 35.1 31.8 54.0 35.1 0.0 54.0 35.1 0.0 54.0 35.1 0.0 54.0 36.8 23.8 77.8 36.8 0.0 77.8 36.8 0.0 77.8 36.8 0.0 77.8 38.6 3.4 81.2 38.6 0.0 81.2 40.4 2.7 83.9 43.9 585.6 669.6 45.6 1.5 671.0 54.4 843.1 1,514.1 59.7 48.4 1,562.5 63.2 13,382.6 14,945.1 87.7 1,860.5 16,805.6 100.0 7,178.0 23,983.6 23,983.6

BAND

0.1 0.0 0.1 0.0 0.0 0.0 0.1 0.0 0.0 0.0 0.0 0.0 0.0 2.4 0.0 3.5 0.2 55.8 7.8 29.9

CUM.

0.1 0.1 0.2 0.2 0.2 0.2 0.3 0.3 0.3 0.3 0.3 0.3 0.4 2.8 2.8 6.3 6.5 62.3 70.1 100.0

PERCENTAGE BAND

115.4 14.0 128.4 0.0 0.0 0.0 41.5 0.0 0.0 0.0 4.4 0.0 1.8 181.2 0.7 79.6 1.6 402.3 22.3 67.9

CUM

115.4 77.1 100.8 65.1 40.2 28.3 31.4 23.6 18.3 15.7 14.1 10.5 9.1 53.6 46.2 60.3 28.5 169.7 98.1 86.5 86.5

Page 7 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2000

15/12/2003

DATE

15/03/2004

Metals

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

317 279 388 197 340 258 245 238 171 131 120 163 130 182 128 301 228 140 140 28 4,124

317 596 984 1,181 1,521 1,779 2,024 2,262 2,433 2,564 2,684 2,847 2,977 3,159 3,287 3,588 3,816 3,956 4,096 4,124

BAND

7.7 6.8 9.4 4.8 8.2 6.3 5.9 5.8 4.2 3.2 2.9 4.0 3.2 4.4 3.1 7.3 5.5 3.4 3.4 0.7

CUM.

PERCENTAGE rp

7.7 18.8 18.8 14.5 53.3 72.1 23.9 125.3 197.4 28.6 111.4 308.7 36.9 278.3 587.0 43.1 288.9 875.9 49.1 466.8 1,342.7 54.9 560.5 1,903.2 59.0 498.6 2,401.8 62.2 456.0 2,857.8 65.1 553.7 3,411.5 69.0 812.7 4,224.2 72.2 923.2 5,147.4 76.6 1,435.6 6,583.1 79.7 1,310.5 7,893.6 87.0 6,048.0 13,941.6 92.5 8,128.0 22,069.6 95.9 8,802.5 30,872.1 99.3 28,685.4 59,557.4 100.0 37,260.3 96,817.7 96,817.7

BAND

0.0 0.1 0.1 0.1 0.3 0.3 0.5 0.6 0.5 0.5 0.6 0.8 1.0 1.5 1.4 6.3 8.4 9.1 29.6 38.5

CUM.

0.0 0.1 0.2 0.3 0.6 0.9 1.4 2.0 2.5 3.0 3.5 4.4 5.3 6.8 8.2 14.4 22.8 31.9 61.5 100.0

PERCENTAGE f

0 0 1 1 6 4 6 9 2 2 6 2 11 2 5 24 11 13 20 23 148

0 0 1 2 8 12 18 27 29 31 37 39 50 52 57 81 92 105 125 148

BAND

0.0 0.0 0.7 0.7 4.1 2.7 4.1 6.1 1.4 1.4 4.1 1.4 7.4 1.4 3.4 16.2 7.4 8.8 13.5 15.5

CUM.

0.0 0.0 0.7 1.4 5.4 8.1 12.2 18.2 19.6 21.0 25.0 26.4 33.8 35.1 38.5 54.7 62.2 71.0 84.5 100.0

PERCENTAGE rp

0.0 0.0 0.7 71.7 430.7 663.2 141.0 510.3 962.9 112.3 87.2 8.5 8.2 103.3 166.0 1,430.5 1,214.6 620.6 3,463.3 37,602.2 47,596.9

0.0 0.0 0.7 72.3 503.1 1,166.3 1,307.3 1,817.6 2,780.5 2,892.7 2,980.0 2,988.5 2,996.6 3,099.9 3,265.8 4,696.4 5,910.9 6,531.5 9,994.7 47,596.9

BAND

0.0 0.0 0.0 0.2 0.9 1.4 0.3 1.1 2.0 0.2 0.2 0.0 0.0 0.2 0.4 3.0 2.6 1.3 7.3 79.0

CUM.

0.0 0.0 0.0 0.2 1.1 2.5 2.8 3.8 5.8 6.1 6.3 6.3 6.3 6.5 6.9 9.9 12.4 13.7 21.0 100.0

PERCENTAGE BAND

0.0 0.0 0.5 64.4 154.8 229.6 30.2 91.1 193.1 24.6 15.8 1.1 0.9 7.2 12.7 23.7 14.9 7.1 12.1 100.9

CUM

0.0 0.0 0.3 23.4 85.7 133.2 97.4 95.5 115.8 101.2 87.4 70.8 58.2 47.1 41.4 33.7 26.8 21.2 16.8 49.2 49.2

Page 8 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: 23

DATA POSITION FROM

01/01/2000

15/12/2003

DATE

15/03/2004

PROCESSING

Chemical / Oils / Gas

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

150 186 294 222 370 302 359 317 222 198 154 221 138 236 129 231 214 98 113 32 4,186

150 336 630 852 1,222 1,524 1,883 2,200 2,422 2,620 2,774 2,995 3,133 3,369 3,498 3,729 3,943 4,041 4,154 4,186

BAND

3.6 4.4 7.0 5.3 8.8 7.2 8.6 7.6 5.3 4.7 3.7 5.3 3.3 5.6 3.1 5.5 5.1 2.3 2.7 0.8

CUM.

3.6 8.0 15.1 20.4 29.2 36.4 45.0 52.6 57.9 62.6 66.3 71.6 74.8 80.5 83.6 89.1 94.2 96.5 99.2 100.0

PERCENTAGE rp

21.0 21.0 68.9 89.9 207.1 297.0 223.8 520.8 688.5 1,209.3 642.7 1,852.0 1,101.5 2,953.6 1,275.4 4,229.0 1,185.2 5,414.1 1,223.0 6,637.1 1,226.1 7,863.2 1,966.3 9,829.5 1,572.9 11,402.4 3,709.6 15,112.0 2,560.9 17,672.9 7,434.2 25,107.1 13,395.9 38,503.0 10,722.6 49,225.6 27,514.6 76,740.2 60,734.1 137,474.3 137,474.3

BAND

0.0 0.1 0.2 0.2 0.5 0.5 0.8 0.9 0.9 0.9 0.9 1.4 1.1 2.7 1.9 5.4 9.7 7.8 20.0 44.2

CUM.

0.0 0.1 0.2 0.4 0.9 1.4 2.2 3.1 3.9 4.8 5.7 7.2 8.3 11.0 12.9 18.3 28.0 35.8 55.8 100.0

PERCENTAGE f

1 1 2 0 4 2 7 4 4 6 11 5 7 6 6 9 21 17 30 7 150

1 2 4 4 8 10 17 21 25 31 42 47 54 60 66 75 96 113 143 150

BAND

0.7 0.7 1.3 0.0 2.7 1.3 4.7 2.7 2.7 4.0 7.3 3.3 4.7 4.0 4.0 6.0 14.0 11.3 20.0 4.7

CUM.

0.7 1.3 2.7 2.7 5.3 6.7 11.3 14.0 16.7 20.7 28.0 31.3 36.0 40.0 44.0 50.0 64.0 75.3 95.3 100.0

PERCENTAGE rp

32.3 32.3 60.0 92.3 338.0 430.2 0.0 430.2 337.2 767.4 1.3 768.7 1,698.4 2,467.1 7.8 2,474.9 619.1 3,094.0 238.2 3,332.2 222.0 3,554.2 423.0 3,977.2 4,727.2 8,704.4 71.6 8,775.9 4,843.4 13,619.3 543.9 14,163.2 5,125.5 19,288.7 75,201.5 94,490.2 27,877.1 122,367.3 1,135.5 123,502.8

BAND

0.0 0.1 0.3 0.0 0.3 0.0 1.4 0.0 0.5 0.2 0.2 0.3 3.8 0.1 3.9 0.4 4.2 60.9 22.6 0.9

CUM.

0.0 0.1 0.4 0.4 0.6 0.6 2.0 2.0 2.5 2.7 2.9 3.2 7.1 7.1 11.0 11.5 15.6 76.5 99.1 100.0

PERCENTAGE BAND

153.5 87.2 163.2 0.0 49.0 0.2 154.2 0.6 52.2 19.5 18.1 21.5 300.5 1.9 189.1 7.3 38.3 701.3 101.3 1.9

CUM

153.5 102.7 144.9 82.6 63.5 41.5 83.5 58.5 57.2 50.2 45.2 40.5 76.3 58.1 77.1 56.4 50.1 192.0 159.5 89.8

123,502.8

89.8 Page 9 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2000

15/12/2003

DATE

15/03/2004

Textiles

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

1,035 1,079 1,379 879 1,155 677 464 454 300 209 130 189 153 239 157 249 209 124 104 28 9,213

1,035 2,114 3,493 4,372 5,527 6,204 6,668 7,122 7,422 7,631 7,761 7,950 8,103 8,342 8,499 8,748 8,957 9,081 9,185 9,213

BAND

11.2 11.7 15.0 9.5 12.5 7.4 5.0 4.9 3.3 2.3 1.4 2.1 1.7 2.6 1.7 2.7 2.3 1.4 1.1 0.3

CUM.

11.2 23.0 37.9 47.5 60.0 67.3 72.4 77.3 80.6 82.8 84.2 86.3 88.0 90.6 92.3 95.0 97.2 98.6 99.7 100.0

PERCENTAGE rp

142.4 142.4 406.8 549.2 961.8 1,511.0 959.2 2,470.2 1,868.8 4,338.9 1,582.5 5,921.4 1,557.3 7,478.7 1,965.0 9,443.7 1,783.8 11,227.5 1,469.4 12,696.9 1,080.0 13,776.9 1,593.6 15,370.6 1,927.5 17,298.1 3,908.5 21,206.6 2,913.2 24,119.7 8,676.3 32,796.1 11,544.9 44,341.0 12,604.2 56,945.2 33,177.5 90,122.7 30,067.5 120,190.1 120,190.1

BAND

0.1 0.3 0.8 0.8 1.6 1.3 1.3 1.6 1.5 1.2 0.9 1.3 1.6 3.3 2.4 7.2 9.6 10.5 27.6 25.0

CUM.

0.1 0.5 1.3 2.1 3.6 4.9 6.2 7.9 9.3 10.6 11.5 12.8 14.4 17.6 20.1 27.3 36.9 47.4 75.0 100.0

PERCENTAGE f

1 6 6 4 2 9 3 16 4 4 3 6 6 28 15 34 55 52 44 16 314

1 7 13 17 19 28 31 47 51 55 58 64 70 98 113 147 202 254 298 314

BAND

0.3 1.9 1.9 1.3 0.6 2.9 1.0 5.1 1.3 1.3 1.0 1.9 1.9 8.9 4.8 10.8 17.5 16.6 14.0 5.1

CUM.

0.3 2.2 4.1 5.4 6.1 8.9 9.9 15.0 16.2 17.5 18.5 20.4 22.3 31.2 36.0 46.8 64.3 80.9 94.9 100.0

PERCENTAGE rp

40.0 136.3 395.5 348.7 164.3 221.0 238.1 959.5 2.8 232.3 11.9 3,956.2 46.2 882.1 924.2 11,400.8 13,595.0 13,686.5 20,901.5 69,053.8 137,196.5

40.0 176.3 571.8 920.4 1,084.7 1,305.7 1,543.8 2,503.2 2,506.1 2,738.4 2,750.3 6,706.5 6,752.7 7,634.8 8,558.9 19,959.7 33,554.7 47,241.2 68,142.7 137,196.5

BAND

0.0 0.1 0.3 0.3 0.1 0.2 0.2 0.7 0.0 0.2 0.0 2.9 0.0 0.6 0.7 8.3 9.9 10.0 15.2 50.3

CUM.

0.0 0.1 0.4 0.7 0.8 1.0 1.1 1.8 1.8 2.0 2.0 4.9 4.9 5.6 6.2 14.6 24.5 34.4 49.7 100.0

PERCENTAGE BAND

28.1 33.5 41.1 36.4 8.8 14.0 15.3 48.8 0.2 15.8 1.1 248.3 2.4 22.6 31.7 131.4 117.8 108.6 63.0 229.7

CUM

28.1 32.1 37.8 37.3 25.0 22.1 20.6 26.5 22.3 21.6 20.0 43.6 39.0 36.0 35.5 60.9 75.7 83.0 75.6 114.2 114.2

Page 10 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2000

15/12/2003

DATE

15/03/2004

Paper, Leather, Rubber

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

543 534 691 464 560 388 273 313 199 137 129 139 100 140 92 166 124 46 27 9 5,074

543 1,077 1,768 2,232 2,792 3,180 3,453 3,766 3,965 4,102 4,231 4,370 4,470 4,610 4,702 4,868 4,992 5,038 5,065 5,074

BAND

10.7 10.5 13.6 9.1 11.0 7.7 5.4 6.2 3.9 2.7 2.5 2.7 2.0 2.8 1.8 3.3 2.4 0.9 0.5 0.2

CUM.

10.7 21.2 34.8 44.0 55.0 62.7 68.1 74.2 78.1 80.8 83.4 86.1 88.1 90.9 92.7 95.9 98.4 99.3 99.8 100.0

PERCENTAGE rp

106.5 223.3 511.0 588.9 1,026.2 1,043.6 1,022.8 1,553.7 1,352.5 1,161.5 1,299.7 1,790.3 1,517.5 2,969.8 2,655.4 6,762.3 9,842.7 6,677.0 8,771.0 7,461.0 58,336.6

106.5 329.8 840.8 1,429.7 2,455.8 3,499.4 4,522.2 6,075.9 7,428.4 8,589.9 9,889.6 11,679.9 13,197.4 16,167.3 18,822.7 25,585.0 35,427.6 42,104.6 50,875.6 58,336.6

BAND

0.2 0.4 0.9 1.0 1.8 1.8 1.8 2.7 2.3 2.0 2.2 3.1 2.6 5.1 4.6 11.6 16.9 11.5 15.0 12.8

CUM.

0.2 0.6 1.4 2.5 4.2 6.0 7.8 10.4 12.7 14.7 17.0 20.0 22.6 27.7 32.3 43.9 60.7 72.2 87.2 100.0

PERCENTAGE f

0 2 3 5 6 3 5 5 6 7 4 9 4 10 6 44 9 16 6 9 159

0 2 5 10 16 19 24 29 35 42 46 55 59 69 75 119 128 144 150 159

BAND

0.0 1.3 1.9 3.1 3.8 1.9 3.1 3.1 3.8 4.4 2.5 5.7 2.5 6.3 3.8 27.7 5.7 10.1 3.8 5.7

CUM.

0.0 1.3 3.1 6.3 10.1 12.0 15.1 18.2 22.0 26.4 28.9 34.6 37.1 43.4 47.2 74.8 80.5 90.6 94.3 100.0

PERCENTAGE rp

0.0 106.6 177.6 751.5 1,048.7 382.8 1,096.8 673.0 76.2 255.4 116.5 5,881.6 179.9 261.1 1,363.8 38,070.8 61,567.0 38,633.5 641.8 432.2 151,716.8

0.0 106.6 284.2 1,035.7 2,084.4 2,467.3 3,564.1 4,237.1 4,313.3 4,568.7 4,685.2 10,566.8 10,746.6 11,007.7 12,371.5 50,442.3 112,009.2 150,642.8 151,284.6 151,716.8

BAND

0.0 0.1 0.1 0.5 0.7 0.3 0.7 0.4 0.1 0.2 0.1 3.9 0.1 0.2 0.9 25.1 40.6 25.5 0.4 0.3

PERCENTAGE

CUM.

BAND

0.0 0.1 0.2 0.7 1.4 1.6 2.4 2.8 2.8 3.0 3.1 7.0 7.1 7.3 8.2 33.3 73.8 99.3 99.7 100.0

0.0 47.8 34.8 127.6 102.2 36.7 107.2 43.3 5.6 22.0 9.0 328.5 11.9 8.8 51.4 563.0 625.5 578.6 7.3 5.8

CUM

0.0 32.3 33.8 72.5 84.9 70.5 78.8 69.7 58.1 53.2 47.4 90.5 81.4 68.1 65.7 197.2 316.2 357.8 297.4 260.1 260.1

Page 11 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: 26

DATA POSITION FROM

01/01/2000

15/12/2003

DATE

15/03/2004

PROCESSING

Wood, Bamboo and Rattan

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

858 439 456 331 381 258 249 272 174 131 98 162 95 136 75 132 112 50 23 3 4,435

858 1,297 1,753 2,084 2,465 2,723 2,972 3,244 3,418 3,549 3,647 3,809 3,904 4,040 4,115 4,247 4,359 4,409 4,432 4,435

BAND

19.4 9.9 10.3 7.5 8.6 5.8 5.6 6.1 3.9 3.0 2.2 3.7 2.1 3.1 1.7 3.0 2.5 1.1 0.5 0.1

CUM.

PERCENTAGE rp

19.4 224.8 224.8 29.2 327.1 551.9 39.5 683.5 1,235.4 47.0 735.1 1,970.4 55.6 1,288.9 3,259.3 61.4 1,328.2 4,587.6 67.0 1,725.3 6,312.9 73.2 2,536.1 8,849.0 77.1 2,139.2 10,988.1 80.0 2,075.5 13,063.7 82.2 1,815.6 14,879.3 85.9 3,530.4 18,409.6 88.0 2,433.0 20,842.6 91.1 4,787.6 25,630.2 92.8 3,704.8 29,335.1 95.8 8,872.1 38,207.1 98.3 13,665.1 51,872.2 99.4 9,062.1 60,934.3 99.9 12,625.2 73,559.5 100.0 21,817.5 95,377.0 95,377.0

BAND

0.2 0.3 0.7 0.8 1.4 1.4 1.8 2.7 2.2 2.2 1.9 3.7 2.6 5.0 3.9 9.3 14.3 9.5 13.2 22.9

CUM.

0.2 0.6 1.3 2.1 3.4 4.8 6.6 9.3 11.5 13.7 15.6 19.3 21.9 26.9 30.8 40.1 54.4 63.9 77.1 100.0

PERCENTAGE f

3 1 4 2 4 5 5 6 8 7 3 13 4 6 3 9 14 14 9 8 128

3 4 8 10 14 19 24 30 38 45 48 61 65 71 74 83 97 111 120 128

BAND

2.3 0.8 3.1 1.6 3.1 3.9 3.9 4.7 6.3 5.5 2.3 10.2 3.1 4.7 2.3 7.0 10.9 10.9 7.0 6.3

CUM.

2.3 3.1 6.3 7.8 10.9 14.8 18.8 23.4 29.7 35.2 37.5 47.7 50.8 55.5 57.8 64.8 75.8 86.7 93.8 100.0

PERCENTAGE rp

69.8 27.9 250.8 0.4 1,299.8 822.8 464.9 899.7 637.4 3,337.6 177.2 6,199.9 13.7 133.5 198.7 4,584.3 2,713.1 1,924.7 2,444.4 349.4

69.8 97.7 348.5 348.8 1,648.6 2,471.3 2,936.3 3,835.9 4,473.3 7,810.9 7,988.1 14,188.0 14,201.7 14,335.1 14,533.8 19,118.1 21,831.2 23,755.9 26,200.3 26,549.7

BAND

0.3 0.1 0.9 0.0 4.9 3.1 1.8 3.4 2.4 12.6 0.7 23.4 0.1 0.5 0.8 17.3 10.2 7.3 9.2 1.3

PERCENTAGE

CUM.

BAND

0.3 0.4 1.3 1.3 6.2 9.3 11.1 14.5 16.9 29.4 30.1 53.4 53.5 54.0 54.7 72.0 82.2 89.5 98.7 100.0

CUM

31.1 8.5 36.7 0.1 100.8 61.9 27.0 35.5 29.8 160.8 9.8 175.6 0.6 2.8 5.4 51.7 19.9 21.2 19.4 1.6

26,549.7

31.1 17.7 28.2 17.7 50.6 53.9 46.5 43.4 40.7 59.8 53.7 77.1 68.1 55.9 49.5 50.0 42.1 39.0 35.6 27.8 27.8

Page 12 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

Nutritional, Drinks and Tobacco

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

1,900 897 887 534 662 391 349 396 249 171 130 156 109 177 120 212 188 110 56 7 7,701

1,900 2,797 3,684 4,218 4,880 5,271 5,620 6,016 6,265 6,436 6,566 6,722 6,831 7,008 7,128 7,340 7,528 7,638 7,694 7,701

BAND

24.7 11.7 11.5 6.9 8.6 5.1 4.5 5.1 3.2 2.2 1.7 2.0 1.4 2.3 1.6 2.8 2.4 1.4 0.7 0.1

CUM.

PERCENTAGE rp

24.7 245.7 245.7 36.3 311.2 556.9 47.8 528.5 1,085.3 54.8 459.9 1,545.2 63.4 781.0 2,326.2 68.5 745.5 3,071.7 73.0 823.0 3,894.7 78.1 1,187.8 5,082.6 81.4 910.5 5,993.1 83.6 908.5 6,901.6 85.3 742.0 7,643.5 87.3 1,136.9 8,780.4 88.7 1,016.5 9,796.9 91.0 2,116.0 11,912.9 92.6 2,251.9 14,164.8 95.3 4,926.4 19,091.2 97.8 10,470.4 29,561.6 99.2 9,896.3 39,457.9 99.9 14,199.6 53,657.5 100.0 6,891.1 60,548.7 60,548.7

BAND

0.4 0.5 0.9 0.8 1.3 1.2 1.4 2.0 1.5 1.5 1.2 1.9 1.7 3.5 3.7 8.1 17.3 16.3 23.5 11.4

CUM.

0.4 0.9 1.8 2.6 3.8 5.1 6.4 8.4 9.9 11.4 12.6 14.5 16.2 19.7 23.4 31.5 48.8 65.2 88.6 100.0

PERCENTAGE f

2 4 3 6 4 5 4 4 7 4 8 9 5 20 4 16 30 22 13 8 178

2 6 9 15 19 24 28 32 39 43 51 60 65 85 89 105 135 157 170 178

BAND

1.1 2.3 1.7 3.4 2.3 2.8 2.3 2.3 3.9 2.3 4.5 5.1 2.8 11.2 2.3 9.0 16.9 12.4 7.3 4.5

CUM.

PERCENTAGE rp

1.1 74.6 3.4 79.4 5.1 70.5 8.4 128.9 10.7 124.5 13.5 821.9 15.7 351.5 18.0 996.4 21.9 59.6 24.2 2,104.1 28.7 1,749.0 33.7 485.8 36.5 48.7 47.8 581.6 50.0 13.2 59.0 1,707.8 75.8 8,277.9 88.2 982.2 95.5 8,554.5 100.0 39,049.6 66,261.8

74.6 154.0 224.5 353.4 477.9 1,299.9 1,651.4 2,647.8 2,707.4 4,811.5 6,560.5 7,046.3 7,095.0 7,676.6 7,689.9 9,397.6 17,675.5 18,657.7 27,212.2 66,261.8

BAND

0.1 0.1 0.1 0.2 0.2 1.2 0.5 1.5 0.1 3.2 2.6 0.7 0.1 0.9 0.0 2.6 12.5 1.5 12.9 58.9

PERCENTAGE

CUM.

BAND

0.1 0.2 0.3 0.5 0.7 2.0 2.5 4.0 4.1 7.3 9.9 10.6 10.7 11.6 11.6 14.2 26.7 28.2 41.1 100.0

30.4 25.5 13.3 28.0 15.9 110.3 42.7 83.9 6.5 231.6 235.7 42.7 4.8 27.5 0.6 34.7 79.1 9.9 60.2 566.7

CUM

30.4 27.7 20.7 22.9 20.6 42.3 42.4 52.1 45.2 69.7 85.8 80.3 72.4 64.4 54.3 49.2 59.8 47.3 50.7 109.4 109.4

Page 13 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: 28

DATA POSITION FROM

01/01/2000

15/12/2003

DATE

15/03/2004

PROCESSING

Power and Heating

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

21 16 18 11 9 8 9 7 6 1 4 2 1 7 5 10 13 2 1 0 151

21 37 55 66 75 83 92 99 105 106 110 112 113 120 125 135 148 150 151 151

BAND

13.9 10.6 11.9 7.3 6.0 5.3 6.0 4.6 4.0 0.7 2.7 1.3 0.7 4.6 3.3 6.6 8.6 1.3 0.7 0.0

CUM.

13.9 24.5 36.4 43.7 49.7 55.0 60.9 65.6 69.5 70.2 72.9 74.2 74.8 79.5 82.8 89.4 98.0 99.3 100.0 100.0

PERCENTAGE rp

1.5 1.5 2.6 4.1 6.0 10.1 4.7 14.8 8.5 23.3 13.9 37.2 9.2 46.3 15.7 62.1 14.7 76.8 5.0 81.8 35.1 116.8 6.3 123.1 14.1 137.2 59.1 196.3 13.9 210.2 215.4 425.5 452.9 878.4 155.7 1,034.1 67.8 1,102.0 0.0 1,102.0 1,102.0

BAND

0.1 0.2 0.6 0.4 0.8 1.3 0.8 1.4 1.3 0.5 3.2 0.6 1.3 5.4 1.3 19.5 41.1 14.1 6.2 0.0

CUM.

0.1 0.4 0.9 1.3 2.1 3.4 4.2 5.6 7.0 7.4 10.6 11.2 12.5 17.8 19.1 38.6 79.7 93.8 100.0 100.0

PERCENTAGE f

0 0 0 0 0 0 1 0 0 1 0 0 0 0 0 0 1 0 0 0 3

BAND

0 0 0 0 0 0 1 1 1 2 2 2 2 2 2 2 3 3 3 3

0.0 0.0 0.0 0.0 0.0 0.0 33.3 0.0 0.0 33.3 0.0 0.0 0.0 0.0 0.0 0.0 33.3 0.0 0.0 0.0

CUM.

0.0 0.0 0.0 0.0 0.0 0.0 33.3 33.3 33.3 66.7 66.7 66.7 66.7 66.7 66.7 66.7 100.0 100.0 100.0 100.0

PERCENTAGE rp

0.0 0.0 0.0 0.0 0.0 0.0 6.7 0.0 0.0 60.0 0.0 0.0 0.0 0.0 0.0 0.0 0.3 0.0 0.0 0.0 67.0

0.0 0.0 0.0 0.0 0.0 0.0 6.7 6.7 6.7 66.7 66.7 66.7 66.7 66.7 66.7 66.7 67.0 67.0 67.0 67.0

BAND

0.0 0.0 0.0 0.0 0.0 0.0 10.0 0.0 0.0 89.6 0.0 0.0 0.0 0.0 0.0 0.0 0.4 0.0 0.0 0.0

CUM.

0.0 0.0 0.0 0.0 0.0 0.0 10.0 10.0 10.0 99.6 99.6 99.6 99.6 99.6 99.6 99.6 100.0 100.0 100.0 100.0

PERCENTAGE BAND

0.0 0.0 0.0 0.0 0.0 0.0 73.0 0.0 0.0 1,200.0 0.0 0.0 0.0 0.0 0.0 0.0 0.1 0.0 0.0 0.0

CUM

0.0 0.0 0.0 0.0 0.0 0.0 14.4 10.8 8.7 81.6 57.1 54.2 48.6 34.0 31.7 15.7 7.6 6.5 6.1 6.1 6.1

Page 14 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: 29

01/01/2000

15/12/2003

DATE

15/03/2004

DATA POSITION FROM PROCESSING

Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotel, Entretainment, Sport and Services The Caring Services, Motor Vehicle Repair Shop, Private Building, Propierty of Public Bodies SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

119,843 83,607 80,532 37,270 33,837 14,696 9,978 6,959 3,699 1,912 1,471 1,615 969 1,225 699 944 537 239 229 33 400,294

119,843 203,450 283,982 321,252 355,089 369,785 379,763 386,722 390,421 392,333 393,804 395,419 396,388 397,613 398,312 399,256 399,793 400,032 400,261 400,294

BAND

29.9 20.9 20.1 9.3 8.5 3.7 2.5 1.7 0.9 0.5 0.4 0.4 0.2 0.3 0.2 0.2 0.1 0.1 0.1 0.0

CUM.

29.9 50.8 70.9 80.3 88.7 92.4 94.9 96.6 97.5 98.0 98.4 98.8 99.0 99.3 99.5 99.7 99.9 99.9 100.0 100.0

PERCENTAGE rp

13,181.1 18,466.9 33,103.5 26,490.8 38,960.5 26,043.1 25,856.1 24,406.3 17,441.5 12,369.5 10,453.5 13,872.1 10,121.6 16,787.6 13,216.5 25,242.4 25,739.0 18,144.8 33,145.8 99,234.6 502,277.2

13,181.1 31,648.0 64,751.6 91,242.4 130,202.9 156,246.0 182,102.1 206,508.4 223,949.9 236,319.4 246,772.9 260,645.0 270,766.6 287,554.2 300,770.7 326,013.1 351,752.1 369,896.9 403,042.6 502,277.2

BAND

2.6 3.7 6.6 5.3 7.8 5.2 5.2 4.9 3.5 2.5 2.1 2.8 2.0 3.3 2.6 5.0 5.1 3.6 6.6 19.8

PERCENTAGE

CUM.

2.6 6.3 12.9 18.2 25.9 31.1 36.3 41.1 44.6 47.1 49.1 51.9 53.9 57.3 59.9 64.9 70.0 73.6 80.2 100.0

248 181 173 104 112 75 59 37 33 33 18 33 16 36 37 50 99 42 70 30 1,486

248 429 602 706 818 893 952 989 1,022 1,055 1,073 1,106 1,122 1,158 1,195 1,245 1,344 1,386 1,456 1,486

BAND

16.7 12.2 11.6 7.0 7.5 5.1 4.0 2.5 2.2 2.2 1.2 2.2 1.1 2.4 2.5 3.4 6.7 2.8 4.7 2.0

CUM.

16.7 28.9 40.5 47.5 55.1 60.1 64.1 66.6 68.8 71.0 72.2 74.4 75.5 77.9 80.4 83.8 90.4 93.3 98.0 100.0

4,933.9 6,464.2 11,072.8 6,900.8 7,586.7 7,288.6 5,391.1 8,056.1 3,389.2 7,031.1 418.7 10,424.2 4,505.2 3,386.9 26,300.8 41,372.3 6,079.9 38,696.4 15,565.2 88,652.9 303,516.6

4,933.9 11,398.0 22,470.8 29,371.6 36,958.3 44,246.9 49,637.9 57,694.0 61,083.2 68,114.3 68,533.0 78,957.1 83,462.3 86,849.2 113,149.9 154,522.2 160,602.1 199,298.5 214,863.7 303,516.6

PERCENTAGE

BAND

CUM.

1.6 1.6 2.1 3.8 3.7 7.4 2.3 9.7 2.5 12.2 2.4 14.6 1.8 16.4 2.7 19.0 1.1 20.1 2.3 22.4 0.1 22.6 3.4 26.0 1.5 27.5 1.1 28.6 8.7 37.3 13.6 50.9 2.0 52.9 12.8 65.7 5.1 70.8 29.2 100.0

37.4 35.0 33.5 26.1 19.5 28.0 20.9 33.0 19.4 56.8 4.0 75.1 44.5 20.2 199.0 163.9 23.6 213.3 47.0 89.3

CUM

37.4 36.0 34.7 32.2 28.4 28.3 27.3 27.9 27.3 28.8 27.8 30.3 30.8 30.2 37.6 47.4 45.7 53.9 53.3 60.4 60.4

Page 15 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2000

15/12/2003

DATE

15/03/2004

Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

50 53 67 46 51 40 25 24 10 8 16 12 13 14 9 10 8 1 0 0 457

50 103 170 216 267 307 332 356 366 374 390 402 415 429 438 448 456 457 457 457

BAND

10.9 11.6 14.7 10.1 11.2 8.8 5.5 5.3 2.2 1.8 3.5 2.6 2.8 3.1 2.0 2.2 1.8 0.2 0.0 0.0

CUM.

10.9 22.5 37.2 47.3 58.4 67.2 72.7 77.9 80.1 81.8 85.3 88.0 90.8 93.9 95.8 98.0 99.8 100.0 100.0 100.0

PERCENTAGE rp

17.4 54.5 86.9 99.3 126.0 157.3 139.1 397.7 135.6 101.7 301.0 282.9 361.1 555.3 479.2 657.1 264.1 611.3 0.0 0.0 4,827.3

17.4 71.9 158.8 258.1 384.1 541.3 680.4 1,078.1 1,213.7 1,315.3 1,616.3 1,899.3 2,260.4 2,815.7 3,294.9 3,952.0 4,216.0 4,827.3 4,827.3 4,827.3

BAND

0.4 1.1 1.8 2.1 2.6 3.3 2.9 8.2 2.8 2.1 6.2 5.9 7.5 11.5 9.9 13.6 5.5 12.7 0.0 0.0

CUM.

0.4 1.5 3.3 5.4 8.0 11.2 14.1 22.3 25.1 27.3 33.5 39.3 46.8 58.3 68.3 81.9 87.3 100.0 100.0 100.0

PERCENTAGE f

0 1 0 0 5 1 0 6 1 0 1 3 6 7 1 2 1 2 0 0 37

BAND

0 1 1 1 6 7 7 13 14 14 15 18 24 31 32 34 35 37 37 37

0.0 2.7 0.0 0.0 13.5 2.7 0.0 16.2 2.7 0.0 2.7 8.1 16.2 18.9 2.7 5.4 2.7 5.4 0.0 0.0

CUM.

0.0 2.7 2.7 2.7 16.2 18.9 18.9 35.1 37.8 37.8 40.5 48.7 64.9 83.8 86.5 91.9 94.6 100.0 100.0 100.0

PERCENTAGE rp

0.0 65.0 0.0 0.0 181.7 20.6 0.0 228.9 70.0 0.0 131.3 43.2 99.9 41.0 254.9 13.5 23.5 119.4 0.0 0.0 1,292.9

0.0 65.0 65.0 65.0 246.7 267.4 267.4 496.3 566.3 566.3 697.6 740.8 840.6 881.6 1,136.6 1,150.0 1,173.5 1,292.9 1,292.9 1,292.9

BAND

0.0 5.0 0.0 0.0 14.1 1.6 0.0 17.7 5.4 0.0 10.2 3.3 7.7 3.2 19.7 1.0 1.8 9.2 0.0 0.0

CUM.

0.0 5.0 5.0 5.0 19.1 20.7 20.7 38.4 43.8 43.8 54.0 57.3 65.0 68.2 87.9 89.0 90.8 100.0 100.0 100.0

PERCENTAGE BAND

0.0 119.4 0.0 0.0 144.2 13.1 0.0 57.6 51.6 0.0 43.6 15.3 27.7 7.4 53.2 2.1 8.9 19.5 0.0 0.0

CUM

0.0 90.4 40.9 25.2 64.2 49.4 39.3 46.0 46.7 43.1 43.2 39.0 37.2 31.3 34.5 29.1 27.8 26.8 26.8 26.8 26.8

Page 16 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2000

15/12/2003

DATE

15/03/2004

Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

126 585 50 29 55 33 33 24 22 13 10 21 11 24 7 39 55 1 0 0 1,138

126 711 761 790 845 878 911 935 957 970 980 1,001 1,012 1,036 1,043 1,082 1,137 1,138 1,138 1,138

BAND

11.1 51.4 4.4 2.6 4.8 2.9 2.9 2.1 1.9 1.1 0.9 1.9 1.0 2.1 0.6 3.4 4.8 0.1 0.0 0.0

CUM.

11.1 62.5 66.9 69.4 74.3 77.2 80.1 82.2 84.1 85.2 86.1 88.0 88.9 91.0 91.7 95.1 99.9 100.0 100.0 100.0

PERCENTAGE rp

112.5 471.4 35.8 36.5 119.2 104.3 282.1 387.7 261.8 713.4 112.5 286.8 320.7 1,949.1 193.8 3,661.7 4,300.8 218.4 0.0 0.0 13,568.5

112.5 583.9 619.7 656.1 775.4 879.7 1,161.8 1,549.5 1,811.3 2,524.7 2,637.2 2,924.0 3,244.8 5,193.9 5,387.6 9,049.3 13,350.1 13,568.5 13,568.5 13,568.5

BAND

0.8 3.5 0.3 0.3 0.9 0.8 2.1 2.9 1.9 5.3 0.8 2.1 2.4 14.4 1.4 27.0 31.7 1.6 0.0 0.0

CUM.

0.8 4.3 4.6 4.8 5.7 6.5 8.6 11.4 13.4 18.6 19.4 21.6 23.9 38.3 39.7 66.7 98.4 100.0 100.0 100.0

PERCENTAGE f

12 19 1 0 0 0 7 8 5 26 2 0 0 88 0 74 9 0 0 0 251

12 31 32 32 32 32 39 47 52 78 80 80 80 168 168 242 251 251 251 251

BAND

4.8 7.6 0.4 0.0 0.0 0.0 2.8 3.2 2.0 10.4 0.8 0.0 0.0 35.1 0.0 29.5 3.6 0.0 0.0 0.0

CUM.

PERCENTAGE rp

4.8 214.0 214.0 12.4 826.2 1,040.3 12.8 9.7 1,049.9 12.8 0.0 1,049.9 12.8 0.0 1,049.9 12.8 0.0 1,049.9 15.5 365.9 1,415.9 18.7 273.0 1,688.9 20.7 363.6 2,052.5 31.1 722.0 2,774.5 31.9 151.6 2,926.0 31.9 0.0 2,926.0 31.9 0.0 2,926.0 66.9 1,287.7 4,213.7 66.9 0.0 4,213.7 96.4 2,871.4 7,085.1 100.0 1,243.3 8,328.4 100.0 0.0 8,328.4 100.0 0.0 8,328.4 100.0 0.0 8,328.4

BAND

2.6 9.9 0.1 0.0 0.0 0.0 4.4 3.3 4.4 8.7 1.8 0.0 0.0 15.5 0.0 34.5 14.9 0.0 0.0 0.0

PERCENTAGE

CUM.

BAND

2.6 12.5 12.6 12.6 12.6 12.6 17.0 20.3 24.6 33.3 35.1 35.1 35.1 50.6 50.6 85.1 100.0 100.0 100.0 100.0

190.3 175.3 27.0 0.0 0.0 0.0 129.7 70.4 138.9 101.2 134.7 0.0 0.0 66.1 0.0 78.4 28.9 0.0 0.0 0.0

CUM

190.3 178.2 169.4 160.0 135.4 119.4 121.9 109.0 113.3 109.9 111.0 100.1 90.2 81.1 78.2 78.3 62.4 61.4 61.4 61.4

8,328.4

61.4 Page 17 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: 32

DATA POSITION FROM

01/01/2000

15/12/2003

DATE

15/03/2004

PROCESSING

Recreation Place

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

36 14 4 12 5 3 18 5 9 3 6 5 11 13 17 18 16 1 1 1 198

36 50 54 66 71 74 92 97 106 109 115 120 131 144 161 179 195 196 197 198

BAND

18.2 7.1 2.0 6.1 2.5 1.5 9.1 2.5 4.6 1.5 3.0 2.5 5.6 6.6 8.6 9.1 8.1 0.5 0.5 0.5

CUM.

18.2 25.3 27.3 33.3 35.9 37.4 46.5 49.0 53.5 55.1 58.1 60.6 66.2 72.7 81.3 90.4 98.5 99.0 99.5 100.0

PERCENTAGE rp

26.5 21.6 16.3 10.8 6.6 5.9 60.0 17.3 57.3 18.1 43.8 66.1 179.4 254.1 357.3 538.5 1,129.5 155.9 109.2 669.7 3,743.8

26.5 48.1 64.4 75.2 81.8 87.7 147.7 165.0 222.3 240.4 284.2 350.2 529.6 783.7 1,141.0 1,679.5 2,809.0 2,964.9 3,074.1 3,743.8

BAND

0.7 0.6 0.4 0.3 0.2 0.2 1.6 0.5 1.5 0.5 1.2 1.8 4.8 6.8 9.5 14.4 30.2 4.2 2.9 17.9

CUM.

0.7 1.3 1.7 2.0 2.2 2.3 4.0 4.4 5.9 6.4 7.6 9.4 14.2 20.9 30.5 44.9 75.0 79.2 82.1 100.0

PERCENTAGE f

2 0 1 0 0 0 0 0 0 1 1 2 11 5 1 4 0 0 0 0 28

BAND

2 2 3 3 3 3 3 3 3 4 5 7 18 23 24 28 28 28 28 28

7.1 0.0 3.6 0.0 0.0 0.0 0.0 0.0 0.0 3.6 3.6 7.1 39.3 17.9 3.6 14.3 0.0 0.0 0.0 0.0

CUM.

7.1 7.1 10.7 10.7 10.7 10.7 10.7 10.7 10.7 14.3 17.9 25.0 64.3 82.1 85.7 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

18.8 0.0 1.6 0.0 0.0 0.0 0.0 0.0 0.0 25.0 11.2 98.8 237.9 73.0 25.6 59.5 0.0 0.0 0.0 0.0 551.4

18.8 18.8 20.4 20.4 20.4 20.4 20.4 20.4 20.4 45.4 56.6 155.4 393.3 466.3 492.0 551.4 551.4 551.4 551.4 551.4

BAND

3.4 0.0 0.3 0.0 0.0 0.0 0.0 0.0 0.0 4.5 2.0 17.9 43.2 13.3 4.7 10.8 0.0 0.0 0.0 0.0

CUM.

3.4 3.4 3.7 3.7 3.7 3.7 3.7 3.7 3.7 8.2 10.3 28.2 71.3 84.6 89.2 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

71.0 0.0 9.7 0.0 0.0 0.0 0.0 0.0 0.0 137.9 25.5 149.5 132.7 28.8 7.2 11.0 0.0 0.0 0.0 0.0

CUM

71.0 39.1 31.6 27.1 24.9 23.2 13.8 12.4 9.2 18.9 19.9 44.4 74.3 59.5 43.1 32.8 19.6 18.6 17.9 14.7 14.7

Page 18 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

OCCUPATION CODE

: 40

DATA POSITION FROM

01/01/2000

15/12/2003

DATE

15/03/2004

PROCESSING

Non Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

48 8 6 0 0 0 2 0 0 0 1 0 1 2 0 4 12 3 1 0 88

BAND

48 56 62 62 62 62 64 64 64 64 65 65 66 68 68 72 84 87 88 88

54.6 9.1 6.8 0.0 0.0 0.0 2.3 0.0 0.0 0.0 1.1 0.0 1.1 2.3 0.0 4.6 13.6 3.4 1.1 0.0

CUM.

PERCENTAGE rp

54.6 4.5 4.5 63.6 2.6 7.1 70.5 3.8 11.0 70.5 0.0 11.0 70.5 0.0 11.0 70.5 0.0 11.0 72.7 24.0 34.9 72.7 0.0 34.9 72.7 0.0 34.9 72.7 0.0 34.9 73.9 14.4 49.3 73.9 0.0 49.3 75.0 33.3 82.6 77.3 37.7 120.3 77.3 0.0 120.3 81.8 241.2 361.6 95.5 984.2 1,345.7 98.9 1,242.2 2,587.9 100.0 364.3 2,952.2 100.0 0.0 2,952.2 2,952.2

BAND

0.2 0.1 0.1 0.0 0.0 0.0 0.8 0.0 0.0 0.0 0.5 0.0 1.1 1.3 0.0 8.2 33.3 42.1 12.3 0.0

CUM.

0.2 0.2 0.4 0.4 0.4 0.4 1.2 1.2 1.2 1.2 1.7 1.7 2.8 4.1 4.1 12.3 45.6 87.7 100.0 100.0

PERCENTAGE f

0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1

BAND

0 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

0.0 0.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

0.0 0.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

0.0 0.0 123.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 123.0

0.0 0.0 123.0 123.0 123.0 123.0 123.0 123.0 123.0 123.0 123.0 123.0 123.0 123.0 123.0 123.0 123.0 123.0 123.0 123.0

BAND

0.0 0.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

0.0 0.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

0.0 0.0 3,211.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM

0.0 0.0 1,122.6 1,122.6 1,122.6 1,122.6 352.2 352.2 352.2 352.2 249.4 249.4 148.8 102.2 102.2 34.0 9.1 4.8 4.2 4.2 4.2

Page 19 of 138

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 BPPDAN Phone No.: 334208 Ext.3163/3164 Fax No.: 3911432

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 01

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

NANGROE ACEH DARUSSALAM

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

1,903 1,129 748 267 229 62 46 25 12 5 5 12 2 14 5 8 18 8 0 1 4,499

1,903 3,032 3,780 4,047 4,276 4,338 4,384 4,409 4,421 4,426 4,431 4,443 4,445 4,459 4,464 4,472 4,490 4,498 4,498 4,499

BAND

42.3 25.1 16.6 5.9 5.1 1.4 1.0 0.6 0.3 0.1 0.1 0.3 0.0 0.3 0.1 0.2 0.4 0.2 0.0 0.0

CUM.

42.3 67.4 84.0 90.0 95.0 96.4 97.4 98.0 98.3 98.4 98.5 98.8 98.8 99.1 99.2 99.4 99.8 100.0 100.0 100.0

PERCENTAGE rp

247.0 414.8 518.6 287.2 339.0 152.4 126.8 133.4 48.9 17.1 67.6 75.2 29.3 258.7 72.2 282.1 675.7 600.7 0.0 0.0 4,346.7

247.0 661.8 1,180.4 1,467.6 1,806.5 1,958.9 2,085.7 2,219.1 2,268.0 2,285.2 2,352.8 2,428.0 2,457.3 2,716.0 2,788.2 3,070.3 3,746.0 4,346.7 4,346.7 4,346.7

BAND

6.1 10.2 12.5 6.9 7.6 3.4 2.8 3.0 1.1 0.4 1.5 1.7 0.7 5.8 1.6 6.3 15.1 13.4 0.0 0.0

CUM.

6.1 16.3 28.8 35.7 43.2 46.7 49.5 52.5 53.6 53.9 55.5 57.1 57.8 63.6 65.2 71.5 86.6 100.0 100.0 100.0

PERCENTAGE f

5 1 2 1 5 0 0 0 0 0 0 2 0 0 1 2 0 2 0 0 21

BAND

5 6 8 9 14 14 14 14 14 14 14 16 16 16 17 19 19 21 21 21

23.8 4.8 9.5 4.8 23.8 0.0 0.0 0.0 0.0 0.0 0.0 9.5 0.0 0.0 4.8 9.5 0.0 9.5 0.0 0.0

CUM.

PERCENTAGE rp

23.8 157.8 157.8 28.6 56.7 214.4 38.1 210.5 425.0 42.9 227.0 652.0 66.7 189.1 841.1 66.7 0.0 841.1 66.7 0.0 841.1 66.7 0.0 841.1 66.7 0.0 841.1 66.7 0.0 841.1 66.7 0.0 841.1 76.2 5,245.0 6,086.1 76.2 0.0 6,086.1 76.2 0.0 6,086.1 81.0 254.9 6,341.0 90.5 257.5 6,598.5 90.5 0.0 6,598.5 100.0 221.2 6,819.6 100.0 0.0 6,819.6 100.0 0.0 6,819.6 6,819.6

BAND

2.3 0.8 3.1 3.3 2.8 0.0 0.0 0.0 0.0 0.0 0.0 76.9 0.0 0.0 3.7 3.8 0.0 3.2 0.0 0.0

CUM.

2.3 3.1 6.2 9.6 12.3 12.3 12.3 12.3 12.3 12.3 12.3 89.2 89.2 89.2 93.0 96.8 96.8 100.0 100.0 100.0

PERCENTAGE BAND

63.9 13.7 40.6 79.0 55.8 0.0 0.0 0.0 0.0 0.0 0.0 6,973.8 0.0 0.0 353.3 91.3 0.0 36.8 0.0 0.0

CUM.

63.9 32.4 36.0 44.4 46.6 42.9 40.3 37.9 37.1 36.8 35.7 250.7 247.7 224.1 227.4 214.9 176.1 156.9 156.9 156.9 156.9

Page 20 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 02

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

SUMATERA UTARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

6,410 6,186 5,743 2,401 2,014 897 624 456 250 133 100 132 91 126 70 133 93 39 16 4 25,918

6,410 12,596 18,339 20,740 22,754 23,651 24,275 24,731 24,981 25,114 25,214 25,346 25,437 25,563 25,633 25,766 25,859 25,898 25,914 25,918

BAND

24.7 23.9 22.2 9.3 7.8 3.5 2.4 1.8 1.0 0.5 0.4 0.5 0.4 0.5 0.3 0.5 0.4 0.2 0.1 0.0

CUM.

24.7 48.6 70.8 80.0 87.8 91.3 93.7 95.4 96.4 96.9 97.3 97.8 98.1 98.6 98.9 99.4 99.8 99.9 100.0 100.0

PERCENTAGE rp

628.4 1,438.9 2,690.8 2,036.7 2,930.3 1,925.8 2,152.0 2,444.3 1,764.5 1,222.6 993.0 1,373.1 1,300.7 1,893.4 1,515.7 4,523.9 5,104.0 2,414.7 4,704.3 3,605.1 46,662.1

628.4 2,067.3 4,758.1 6,794.8 9,725.1 11,650.9 13,803.0 16,247.2 18,011.7 19,234.3 20,227.3 21,600.4 22,901.2 24,794.5 26,310.3 30,834.1 35,938.1 38,352.8 43,057.1 46,662.1

BAND

1.4 3.1 5.8 4.3 6.2 4.1 4.6 5.2 3.7 2.6 2.1 2.9 2.8 4.0 3.2 9.7 11.6 5.1 10.0 7.6

CUM.

1.4 4.4 10.2 14.5 20.8 24.9 29.4 34.6 38.3 40.9 43.1 46.0 48.7 52.8 56.0 65.7 77.3 82.4 92.4 100.0

PERCENTAGE f

5 7 5 6 6 3 10 18 7 9 2 7 1 4 4 10 19 3 5 2 133

5 12 17 23 29 32 42 60 67 76 78 85 86 90 94 104 123 126 131 133

BAND

3.8 5.3 3.8 4.5 4.5 2.3 7.5 13.5 5.3 6.8 1.5 5.3 0.8 3.0 3.0 7.5 14.3 2.3 3.8 1.5

CUM.

PERCENTAGE rp

3.8 71.0 9.0 194.9 12.8 421.5 17.3 784.1 21.8 752.0 24.1 139.8 31.6 485.7 45.1 819.9 50.4 1,384.4 57.1 573.5 58.7 141.3 63.9 1,373.6 64.7 31.0 67.7 58.0 70.7 6.2 78.2 2,002.3 92.5 8,495.0 94.7 33.7 98.5 2,616.1 100.0 40,738.7 61,122.7

71.0 266.0 687.5 1,471.5 2,223.6 2,363.4 2,849.1 3,669.0 5,053.3 5,626.9 5,768.1 7,141.7 7,172.7 7,230.7 7,236.8 9,239.2 17,734.2 17,767.9 20,384.0 61,122.7

BAND

0.1 0.3 0.7 1.3 1.2 0.2 0.8 1.3 2.3 0.9 0.2 2.3 0.1 0.1 0.0 3.3 13.9 0.1 4.3 66.7

CUM.

0.1 0.4 1.1 2.4 3.6 3.9 4.7 6.0 8.3 9.2 9.4 11.7 11.7 11.8 11.8 15.1 29.0 29.1 33.4 100.0

PERCENTAGE BAND

11.3 13.5 15.7 38.5 25.7 7.3 22.6 33.5 78.5 46.9 14.2 100.0 2.4 3.1 0.4 44.3 166.4 1.4 55.6 1,130.0

CUM.

11.3 12.9 14.4 21.7 22.9 20.3 20.6 22.6 28.1 29.3 28.5 33.1 31.3 29.2 27.5 30.0 49.3 46.3 47.3 131.0 131.0

Page 21 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 03

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

SUMATERA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

3,278 1,873 1,166 429 307 131 78 62 33 18 20 9 10 12 4 14 9 2 0 0 7,455

3,278 5,151 6,317 6,746 7,053 7,184 7,262 7,324 7,357 7,375 7,395 7,404 7,414 7,426 7,430 7,444 7,453 7,455 7,455 7,455

BAND

44.0 25.1 15.6 5.8 4.1 1.8 1.1 0.8 0.4 0.2 0.3 0.1 0.1 0.2 0.1 0.2 0.1 0.0 0.0 0.0

CUM.

44.0 69.1 84.7 90.5 94.6 96.4 97.4 98.2 98.7 98.9 99.2 99.3 99.5 99.6 99.7 99.9 100.0 100.0 100.0 100.0

PERCENTAGE rp

248.5 354.0 475.9 328.5 361.8 208.9 194.9 187.7 125.9 68.9 111.3 39.8 83.3 142.0 62.5 429.2 689.4 328.0 0.0 0.0 4,440.6

248.5 602.5 1078.5 1406.9 1768.8 1977.6 2172.6 2360.2 2486.2 2555.1 2666.4 2706.2 2789.4 2931.4 2993.9 3423.1 4112.6 4440.6 4440.6 4440.6

BAND

5.6 8.0 10.7 7.4 8.2 4.7 4.4 4.2 2.8 1.6 2.5 0.9 1.9 3.2 1.4 9.7 15.5 7.4 0.0 0.0

CUM.

5.6 13.6 24.3 31.7 39.8 44.5 48.9 53.2 56.0 57.5 60.1 60.9 62.8 66.0 67.4 77.1 92.6 100.0 100.0 100.0

PERCENTAGE f

1 3 2 1 4 1 1 0 2 0 0 0 0 0 0 2 1 0 0 0 18

BAND

1 4 6 7 11 12 13 13 15 15 15 15 15 15 15 17 18 18 18 18

5.6 16.7 11.1 5.6 22.2 5.6 5.6 0.0 11.1 0.0 0.0 0.0 0.0 0.0 0.0 11.1 5.6 0.0 0.0 0.0

CUM.

5.6 22.2 33.3 38.9 61.1 66.7 72.2 72.2 83.3 83.3 83.3 83.3 83.3 83.3 83.3 94.4 100.0 100.0 100.0 100.0

PERCENTAGE rp

2.8 139.1 174.1 284.4 332.4 1.9 167.3 0.0 457.1 0.0 0.0 0.0 0.0 0.0 0.0 69.3 490.9 0.0 0.0 0.0 2,119.3

2.8 141.9 316.0 600.4 932.8 934.7 1,102.0 1,102.0 1,559.1 1,559.1 1,559.1 1,559.1 1,559.1 1,559.1 1,559.1 1,628.3 2,119.3 2,119.3 2,119.3 2,119.3

BAND

0.1 6.6 8.2 13.4 15.7 0.1 7.9 0.0 21.6 0.0 0.0 0.0 0.0 0.0 0.0 3.3 23.2 0.0 0.0 0.0

CUM.

0.1 6.7 14.9 28.3 44.0 44.1 52.0 52.0 73.6 73.6 73.6 73.6 73.6 73.6 73.6 76.8 100.0 100.0 100.0 100.0

PERCENTAGE BAND

1.1 39.3 36.6 86.6 91.9 0.9 85.8 0.0 362.9 0.0 0.0 0.0 0.0 0.0 0.0 16.1 71.2 0.0 0.0 0.0

CUM

1.1 23.6 29.3 42.7 52.7 47.3 50.7 46.7 62.7 61.0 58.5 57.6 55.9 53.2 52.1 47.6 51.5 47.7 47.7 47.7 47.7

Page 22 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 04

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

RIAU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

4,875 3,893 2,926 1,262 946 421 275 195 110 85 63 65 52 70 40 60 92 30 27 6 15,493

4,875 8,768 11,694 12,956 13,902 14,323 14,598 14,793 14,903 14,988 15,051 15,116 15,168 15,238 15,278 15,338 15,430 15,460 15,487 15,493

BAND

31.5 25.1 18.9 8.2 6.1 2.7 1.8 1.3 0.7 0.6 0.4 0.4 0.3 0.5 0.3 0.4 0.6 0.2 0.2 0.0

CUM.

31.5 56.6 75.5 83.6 89.7 92.5 94.2 95.5 96.2 96.7 97.2 97.6 97.9 98.4 98.6 99.0 99.6 99.8 100.0 100.0

PERCENTAGE rp

571.4 1,101.3 1,751.1 1,325.2 1,558.2 1,053.5 894.4 842.3 614.9 579.5 542.5 86.8 776.2 989.2 96.7 1,291.1 5,108.3 2,500.3 6,417.1 7,146.0 35,246.1

571.4 1672.7 3423.8 4749.0 6307.3 7360.7 8255.1 9097.4 9712.3 10291.9 10834.4 10921.2 11697.4 12686.6 12783.2 14074.3 19182.6 21682.9 28100.1 35246.1

BAND

1.6 3.1 5.0 3.8 4.4 3.0 2.5 2.4 1.7 1.6 1.5 0.3 2.2 2.8 0.3 3.7 14.5 7.1 18.2 20.3

CUM.

1.6 4.8 9.7 13.5 17.9 20.9 23.4 25.8 27.6 29.2 30.7 31.0 33.2 36.0 36.3 39.9 54.4 61.5 79.7 100.0

PERCENTAGE f

9 13 7 7 12 3 3 2 0 4 3 1 1 3 2 2 8 13 2 9 104

9 22 29 36 48 51 54 56 56 60 63 64 65 68 70 72 80 93 95 104

BAND

8.7 12.5 6.7 6.7 11.5 2.9 2.9 1.9 0.0 3.9 2.9 1.0 1.0 2.9 1.9 1.9 7.7 12.5 1.9 8.7

CUM.

8.7 21.2 27.9 34.6 46.2 49.0 51.9 53.9 53.9 57.7 60.6 61.5 62.5 65.4 67.3 69.2 76.9 89.4 91.4 100.0

PERCENTAGE rp

332.2 332.2 681.5 1,013.7 265.1 1,278.8 788.8 2,067.6 701.9 2,769.4 834.3 3,603.8 293.4 3,897.1 1,318.5 5,215.6 0.0 5,215.6 3,066.9 8,282.5 159.2 8,441.7 0.0 8,441.7 32.6 8,474.2 96.3 8,570.5 50.9 8,621.4 740.1 9,361.6 265.8 9,627.4 1,769.6 11,396.9 5,049.6 16,446.5 368.8 16,815.3 16,815.3

BAND

2.0 4.1 1.6 4.7 4.2 5.0 1.7 7.8 0.0 18.2 1.0 0.0 0.2 0.6 0.3 4.4 1.6 10.5 30.0 2.2

CUM.

2.0 6.0 7.6 12.3 16.5 21.4 23.2 31.0 31.0 49.3 50.2 50.2 50.4 51.0 51.3 55.7 57.3 67.8 97.8 100.0

PERCENTAGE BAND

58.1 61.9 15.1 59.5 45.0 79.2 32.8 156.5 0.0 529.2 29.3 0.0 4.2 9.7 52.7 57.3 5.2 70.8 78.7 5.2

CUM

58.1 60.6 37.4 43.5 43.9 49.0 47.2 57.3 53.7 80.5 77.9 77.3 72.5 67.6 67.4 66.5 50.2 52.6 58.5 47.7 47.7

Page 23 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 05

DATA POSITION FROM : TO PROCESSING

01/01/2000

15/12/2003

DATE :

15/03/2004

JAMBI

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

1,002 805 588 220 199 71 42 41 21 6 7 13 9 13 7 10 14 9 0 0 3,077

1,002 1,807 2,395 2,615 2,814 2,885 2,927 2,968 2,989 2,995 3,002 3,015 3,024 3,037 3,044 3,054 3,068 3,077 3,077 3,077

BAND

32.6 26.2 19.1 7.2 6.5 2.3 1.4 1.3 0.7 0.2 0.2 0.4 0.3 0.4 0.2 0.3 0.5 0.3 0.0 0.0

CUM.

32.6 58.7 77.8 85.0 91.5 93.8 95.1 96.5 97.1 97.3 97.6 98.0 98.3 98.7 98.9 99.3 99.7 100.0 100.0 100.0

PERCENTAGE rp

164.0 274.9 409.8 266.7 403.9 246.6 112.0 258.5 192.6 106.9 85.4 242.3 140.1 535.9 199.9 649.3 1,504.4 399.2 0.0 0.0 6,192.3

164.0 438.9 848.7 1115.4 1519.3 1765.9 1878.0 2136.4 2329.0 2435.9 2521.3 2763.6 2903.7 3439.6 3639.5 4288.8 5793.2 6192.3 6192.3 6192.3

BAND

2.7 4.4 6.6 4.3 6.5 4.0 1.8 4.2 3.1 1.7 1.4 3.9 2.3 8.7 3.2 10.5 24.3 6.5 0.0 0.0

CUM.

2.7 7.1 13.7 18.0 24.5 28.5 30.3 34.5 37.6 39.3 40.7 44.6 46.9 55.6 58.8 69.3 93.6 100.0 100.0 100.0

PERCENTAGE f

11 1 2 2 0 2 0 0 0 1 0 0 2 0 0 0 0 1 0 0 22

BAND

11 12 14 16 16 18 18 18 18 19 19 19 21 21 21 21 21 22 22 22

50.0 4.6 9.1 9.1 0.0 9.1 0.0 0.0 0.0 4.6 0.0 0.0 9.1 0.0 0.0 0.0 0.0 4.6 0.0 0.0

CUM.

50.0 54.6 63.6 72.7 72.7 81.8 81.8 81.8 81.8 86.4 86.4 86.4 95.5 95.5 95.5 95.5 95.5 100.0 100.0 100.0

PERCENTAGE rp

236.2 58.3 16.3 121.8 0.0 350.3 0.0 0.0 0.0 173.1 0.0 0.0 6.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 962.4

236.2 294.5 310.9 432.7 432.7 783.0 783.0 783.0 783.0 956.1 956.1 956.1 962.4 962.4 962.4 962.4 962.4 962.4 962.4 962.4

BAND

24.6 6.1 1.7 12.7 0.0 36.4 0.0 0.0 0.0 18.0 0.0 0.0 0.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

24.6 30.6 32.3 45.0 45.0 81.4 81.4 81.4 81.4 99.4 99.4 99.4 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

144.0 21.2 4.0 45.7 0.0 142.1 0.0 0.0 0.0 162.0 0.0 0.0 4.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM

144.0 67.1 36.6 38.8 28.5 44.3 41.7 36.7 33.6 39.3 37.9 34.6 33.1 28.0 26.4 22.4 16.6 15.5 15.5 15.5 15.5

Page 24 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 06

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

SUMATERA SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2,312 2,131 1,891 735 637 247 213 145 78 48 32 36 32 42 21 42 29 14 4 5 8,694

2,312 4,443 6,334 7,069 7,706 7,953 8,166 8,311 8,389 8,437 8,469 8,505 8,537 8,579 8,600 8,642 8,671 8,685 8,689 8,694

BAND

26.6 24.5 21.8 8.5 7.3 2.8 2.5 1.7 0.9 0.6 0.4 0.4 0.4 0.5 0.2 0.5 0.3 0.2 0.1 0.1

CUM.

26.6 51.1 72.9 81.3 88.6 91.5 93.9 95.6 96.5 97.0 97.4 97.8 98.2 98.7 98.9 99.4 99.7 99.9 99.9 100.0

PERCENTAGE rp

227.7 600.4 1,078.4 772.0 1,158.0 555.3 751.2 572.4 408.2 261.0 256.3 363.5 308.9 393.4 371.1 1,470.1 1,958.2 725.4 1,538.1 9,512.2 23,281.7

227.7 828.1 1,906.5 2,678.5 3,836.5 4,391.7 5,142.9 5,715.3 6,123.5 6,384.5 6,640.8 7,004.3 7,313.2 7,706.6 8,077.6 9,547.8 11,506.0 12,231.4 13,769.6 23,281.7

BAND

1.0 2.6 4.7 3.3 4.9 2.4 3.2 2.5 1.7 1.2 1.1 1.6 1.3 1.8 1.6 6.3 8.5 3.4 6.5 40.4

CUM.

1.0 3.6 8.3 11.6 16.5 18.9 22.1 24.5 26.3 27.4 28.5 30.1 31.4 33.2 34.8 41.1 49.6 53.0 59.6 100.0

PERCENTAGE f

5 4 4 2 4 2 4 1 1 0 0 1 0 0 0 4 1 0 4 2 39

BAND

5 9 13 15 19 21 25 26 27 27 27 28 28 28 28 32 33 33 37 39

12.8 10.3 10.3 5.1 10.3 5.1 10.3 2.6 2.6 0.0 0.0 2.6 0.0 0.0 0.0 10.3 2.6 0.0 10.3 5.1

CUM.

PERCENTAGE rp

12.8 77.6 77.6 23.1 126.8 204.4 33.3 255.7 460.1 38.5 933.1 1,393.2 48.7 241.5 1,634.7 53.9 296.5 1,931.2 64.1 496.8 2,428.0 66.7 460.2 2,888.2 69.2 216.9 3,105.1 69.2 0.0 3,105.1 69.2 0.0 3,105.1 71.8 0.0 3,105.1 71.8 0.0 3,105.1 71.8 0.0 3,105.1 71.8 0.0 3,105.1 82.1 260.6 3,365.7 84.6 250.9 3,616.6 84.6 0.0 3,616.6 94.9 1,418.1 5,034.8 100.0 100.7 5,135.5 5,135.5

BAND

1.5 2.5 5.0 18.2 4.7 5.8 9.7 9.0 4.2 0.0 0.0 0.0 0.0 0.0 0.0 5.1 4.9 0.0 27.6 2.0

CUM.

1.5 4.0 9.0 27.1 31.8 37.6 47.3 56.2 60.5 60.5 60.5 60.5 60.5 60.5 60.5 65.5 70.4 70.4 98.0 100.0

PERCENTAGE BAND

34.1 21.1 23.7 120.9 20.9 53.4 66.1 80.4 53.1 0.0 0.0 0.0 0.0 0.0 0.0 17.7 12.8 0.0 92.2 1.1

CUM.

34.1 24.7 24.1 52.0 42.6 44.0 47.2 50.5 50.7 48.6 46.8 44.3 42.5 40.3 38.4 35.3 31.4 29.6 36.6 22.1 22.1

Page 25 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 07

DATA POSITION FROM : TO PROCESSING

01/01/2000

15/12/2003

DATE :

15/03/2004

BENGKULU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

906 506 315 148 110 42 22 12 12 5 4 4 2 5 3 6 1 2 0 0 2,105

906 1,412 1,727 1,875 1,985 2,027 2,049 2,061 2,073 2,078 2,082 2,086 2,088 2,093 2,096 2,102 2,103 2,105 2,105 2,105

BAND

43.0 24.0 15.0 7.0 5.2 2.0 1.1 0.6 0.6 0.2 0.2 0.2 0.1 0.2 0.1 0.3 0.1 0.1 0.0 0.0

CUM.

43.0 67.1 82.0 89.1 94.3 96.3 97.3 97.9 98.5 98.7 98.9 99.1 99.2 99.4 99.6 99.9 99.9 100.0 100.0 100.0

PERCENTAGE rp

117.6 200.0 245.2 206.6 232.3 123.8 85.4 52.5 67.1 29.3 33.1 61.2 42.0 116.7 137.0 400.7 0.0 925.2 0.0 0.0 3,075.6

117.6 317.6 562.8 769.4 1001.7 1125.4 1210.8 1263.3 1330.5 1359.8 1392.9 1454.0 1496.0 1612.7 1749.7 2150.4 2150.4 3075.6 3075.6 3075.6

BAND

3.8 6.5 8.0 6.7 7.6 4.0 2.8 1.7 2.2 1.0 1.1 2.0 1.4 3.8 4.5 13.0 0.0 30.1 0.0 0.0

CUM.

3.8 10.3 18.3 25.0 32.6 36.6 39.4 41.1 43.3 44.2 45.3 47.3 48.6 52.4 56.9 69.9 69.9 100.0 100.0 100.0

PERCENTAGE f

0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 1 0 0 0 0 4

BAND

0 0 1 1 2 2 3 3 3 3 3 3 3 3 3 4 4 4 4 4

0.0 0.0 25.0 0.0 25.0 0.0 25.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 25.0 0.0 0.0 0.0 0.0

CUM.

0.0 0.0 25.0 25.0 50.0 50.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

0.0 0.0 10.6 0.0 8.0 0.0 7.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 9.5 0.0 0.0 0.0 0.0 35.5

0.0 0.0 10.6 10.6 18.5 18.5 26.0 26.0 26.0 26.0 26.0 26.0 26.0 26.0 26.0 35.5 35.5 35.5 35.5 35.5

BAND

0.0 0.0 29.8 0.0 22.4 0.0 21.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 26.7 0.0 0.0 0.0 0.0

CUM.

0.0 0.0 29.8 29.8 52.2 52.2 73.3 73.3 73.3 73.3 73.3 73.3 73.3 73.3 73.3 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

0.0 0.0 4.3 0.0 3.4 0.0 8.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.4 0.0 0.0 0.0 0.0

CUM

0.0 0.0 1.9 1.4 1.9 1.6 2.2 2.1 2.0 1.9 1.9 1.8 1.7 1.6 1.5 1.7 1.7 1.2 1.2 1.2 1.2

Page 26 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 08

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

LAMPUNG

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

1,540 1,206 1,011 445 408 181 152 84 52 23 25 19 20 25 14 42 27 8 12 2 5,296

1,540 2,746 3,757 4,202 4,610 4,791 4,943 5,027 5,079 5,102 5,127 5,146 5,166 5,191 5,205 5,247 5,274 5,282 5,294 5,296

BAND

29.1 22.8 19.1 8.4 7.7 3.4 2.9 1.6 1.0 0.4 0.5 0.4 0.4 0.5 0.3 0.8 0.5 0.2 0.2 0.0

CUM.

29.1 51.9 70.9 79.3 87.1 90.5 93.3 94.9 95.9 96.3 96.8 97.2 97.6 98.0 98.3 99.1 99.6 99.7 100.0 100.0

PERCENTAGE rp

125.6 284.8 427.5 404.2 598.2 339.4 460.8 357.0 290.3 117.3 213.0 143.2 249.7 449.7 364.2 1,081.1 1,972.8 657.3 3,438.2 1,356.8 13,331.1

125.6 410.4 837.9 1242.1 1840.3 2179.7 2640.4 2997.5 3287.8 3405.1 3618.1 3761.2 4010.9 4460.7 4824.9 5905.9 7878.8 8536.1 11974.3 13331.1

BAND

0.9 2.1 3.2 3.0 4.5 2.6 3.5 2.7 2.2 0.9 1.6 1.1 1.9 3.4 2.7 8.1 14.8 4.9 25.8 10.2

CUM.

0.9 3.1 6.3 9.3 13.8 16.4 19.8 22.5 24.7 25.5 27.1 28.2 30.1 33.5 36.2 44.3 59.1 64.0 89.8 100.0

PERCENTAGE f

0 4 1 0 2 1 2 3 0 1 0 2 0 6 0 3 6 1 2 0 34

BAND

0 4 5 5 7 8 10 13 13 14 14 16 16 22 22 25 31 32 34 34

0.0 11.8 2.9 0.0 5.9 2.9 5.9 8.8 0.0 2.9 0.0 5.9 0.0 17.7 0.0 8.8 17.7 2.9 5.9 0.0

CUM.

0.0 11.8 14.7 14.7 20.6 23.5 29.4 38.2 38.2 41.2 41.2 47.1 47.1 64.7 64.7 73.5 91.2 94.1 100.0 100.0

PERCENTAGE rp

0.0 180.3 14.3 0.0 143.1 41.5 289.6 37.1 0.0 60.0 0.0 896.9 0.0 91.4 0.0 1667.4 2656.6 5.5 98.5 0.0 6,182.3

0.0 180.3 194.6 194.6 337.8 379.2 668.9 705.9 705.9 765.9 765.9 1,662.9 1,662.9 1,754.3 1,754.3 3,421.7 6,078.3 6,083.8 6,182.3 6,182.3

BAND

0.0 2.9 0.2 0.0 2.3 0.7 4.7 0.6 0.0 1.0 0.0 14.5 0.0 1.5 0.0 27.0 43.0 0.1 1.6 0.0

CUM.

0.0 2.9 3.2 3.2 5.5 6.1 10.8 11.4 11.4 12.4 12.4 26.9 26.9 28.4 28.4 55.4 98.3 98.4 100.0 100.0

PERCENTAGE BAND

0.0 63.3 3.3 0.0 23.9 12.2 62.9 10.4 0.0 51.2 0.0 626.4 0.0 20.3 0.0 154.2 134.7 0.8 2.9 0.0

CUM

0.0 43.9 23.2 15.7 18.4 17.4 25.3 23.6 21.5 22.5 21.2 44.2 41.5 39.3 36.4 57.9 77.2 71.3 51.6 46.4 46.4

Page 27 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 09

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

DKI JAKARTA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

18,614 25,160 32,803 17,350 16,948 7,806 5,245 3,395 2,014 635 365 500 587 285 499 205 401 260 222 45 133,339

18,614 43,774 76,577 93,927 110,875 118,681 123,926 127,321 129,335 129,970 130,335 130,835 131,422 131,707 132,206 132,411 132,812 133,072 133,294 133,339

BAND

14.0 18.9 24.6 13.0 12.7 5.9 3.9 2.5 1.5 0.5 0.3 0.4 0.4 0.2 0.4 0.2 0.3 0.2 0.2 0.0

CUM.

14.0 32.8 57.4 70.4 83.2 89.0 92.9 95.5 97.0 97.5 97.7 98.1 98.6 98.8 99.2 99.3 99.6 99.8 100.0 100.0

PERCENTAGE rp

3,837.6 4,382.3 10,270.1 9,324.4 15,427.7 11,378.6 11,889.3 12,132.5 8,869.7 7,255.7 6,203.4 8,516.5 6,019.6 10,705.8 10,314.9 17,914.7 19,189.9 20,107.5 37,603.9 145,655.0 376,998.9

3,837.6 8,219.9 18,490.0 27,814.3 43,242.0 54,620.6 66,509.9 78,642.4 87,512.1 94,767.7 100,971.1 109,487.6 115,507.2 126,213.0 136,527.9 154,442.5 173,632.5 193,740.0 231,343.9 376,998.9

BAND

1.0 1.2 2.7 2.5 4.1 3.0 3.2 3.2 2.4 1.9 1.6 2.3 1.6 2.8 2.7 4.8 5.1 5.3 10.0 38.6

CUM.

1.0 2.2 4.9 7.4 11.5 14.5 17.6 20.9 23.2 25.1 26.8 29.0 30.6 33.5 36.2 41.0 46.1 51.4 61.4 100.0

PERCENTAGE f

35 48 58 35 39 32 27 26 17 19 11 25 8 21 14 38 40 54 60 53 660

35 83 141 176 215 247 274 300 317 336 347 372 380 401 415 453 493 547 607 660

BAND

5.3 7.3 8.8 5.3 5.9 4.9 4.1 3.9 2.6 2.9 1.7 3.8 1.2 3.2 2.1 5.8 6.1 8.2 9.1 8.0

CUM.

5.3 12.6 21.4 26.7 32.6 37.4 41.5 45.5 48.0 50.9 52.6 56.4 57.6 60.8 62.9 68.6 74.7 82.9 92.0 100.0

PERCENTAGE rp

917.3 1,200.4 2,385.2 800.0 2,080.9 2,724.8 3,545.9 3,689.7 2,633.8 7,540.5 198.4 8,211.7 8,067.2 2,378.6 2,143.3 58,258.1 3,651.2 53,005.5 7,099.9 51,044.2

917.3 2,117.7 4,502.9 5,302.9 7,383.8 10,108.6 13,654.5 17,344.2 19,978.0 27,518.5 27,717.0 35,928.7 43,995.9 46,374.5 48,517.8 106,775.8 110,427.1 163,432.6 170,532.5 221,576.7

BAND

0.4 0.5 1.1 0.4 0.9 1.2 1.6 1.7 1.2 3.4 0.1 3.7 3.6 1.1 1.0 26.3 1.7 23.9 3.2 23.0

CUM.

0.4 1.0 2.0 2.4 3.3 4.6 6.2 7.8 9.0 12.4 12.5 16.2 19.9 20.9 21.9 48.2 49.8 73.8 77.0 100.0

PERCENTAGE BAND

CUM.

23.9 27.4 23.2 8.6 13.5 23.9 29.8 30.4 29.7 103.9 3.2 96.4 134.0 22.2 20.8 325.2 19.0 263.6 18.9 35.0

221,576.7

23.9 25.8 24.4 19.1 17.1 18.5 20.5 22.1 22.8 29.0 27.5 32.8 38.1 36.7 35.5 69.1 63.6 84.4 73.7 58.8 58.8

Page 28 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 10

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

JAWA BARAT

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

PERCENTAGE f

27,996 18,318 16,166 6,694 5,773 2,658 1,817 1,505 930 612 500 652 476 718 426 815 762 331 359 63

27,996 46,314 62,480 69,174 74,947 77,605 79,422 80,927 81,857 82,469 82,969 83,621 84,097 84,815 85,241 86,056 86,818 87,149 87,508 87,571

87,571

BAND

32.0 20.9 18.5 7.6 6.6 3.0 2.1 1.7 1.1 0.7 0.6 0.7 0.5 0.8 0.5 0.9 0.9 0.4 0.4 0.1

CUM.

32.0 52.9 71.3 79.0 85.6 88.6 90.7 92.4 93.5 94.2 94.7 95.5 96.0 96.9 97.3 98.3 99.1 99.5 99.9 100.0

PERCENTAGE rp

1,747.5 3,043.7 5,967.3 4,708.3 6,688.7 5,051.9 5,094.9 5,466.7 4,340.3 3,833.7 3,590.1 5,875.2 5,094.6 10,279.2 7,783.1 23,944.2 39,959.9 33,235.9 78,750.3 69,487.6 323,943.0

1,747.5 4,791.2 10,758.5 15,466.8 22,155.5 27,207.4 32,302.3 37,768.9 42,109.2 45,942.9 49,533.0 55,408.2 60,502.8 70,782.0 78,565.1 102,509.3 142,469.2 175,705.1 254,455.4 323,943.0

BAND

0.5 0.9 1.8 1.5 2.1 1.6 1.6 1.7 1.3 1.2 1.1 1.8 1.6 3.2 2.4 7.4 12.3 10.3 24.3 21.5

CUM.

0.5 1.5 3.3 4.8 6.8 8.4 10.0 11.7 13.0 14.2 15.3 17.1 18.7 21.9 24.3 31.6 44.0 54.2 78.5 100.0

PERCENTAGE f

42 28 31 21 28 20 22 10 12 12 18 19 23 45 29 76 98 55 68 30 687

BAND

42 70 101 122 150 170 192 202 214 226 244 263 286 331 360 436 534 589 657 687

6.1 4.1 4.5 3.1 4.1 2.9 3.2 1.5 1.8 1.8 2.6 2.8 3.4 6.6 4.2 11.1 14.3 8.0 9.9 4.4

CUM.

6.1 10.2 14.7 17.8 21.8 24.8 28.0 29.4 31.2 32.9 35.5 38.3 41.6 48.2 52.4 63.5 77.7 85.7 95.6 100.0

PERCENTAGE rp

332.3 332.3 521.8 854.1 1,731.7 2,585.8 1,820.3 4,406.1 1,346.7 5,752.7 2,679.6 8,432.3 1,622.3 10,054.6 3,439.5 13,494.1 936.0 14,430.1 404.1 14,834.2 385.1 15,219.4 4,941.8 20,161.2 452.3 20,613.5 2,178.8 22,792.3 29,498.1 52,290.4 11,855.4 64,145.8 15,866.0 80,011.8 83,424.6 163,436.4 49,214.4 212,650.8 8,846.9 221,497.7 221,497.7

BAND

0.2 0.2 0.8 0.8 0.6 1.2 0.7 1.6 0.4 0.2 0.2 2.2 0.2 1.0 13.3 5.4 7.2 37.7 22.2 4.0

CUM.

0.2 0.4 1.2 2.0 2.6 3.8 4.5 6.1 6.5 6.7 6.9 9.1 9.3 10.3 23.6 29.0 36.1 73.8 96.0 100.0

PERCENTAGE BAND

19.0 17.1 29.0 38.7 20.1 53.0 31.8 62.9 21.6 10.5 10.7 84.1 8.9 21.2 379.0 49.5 39.7 251.0 62.5 12.7

CUM.

19.0 17.8 24.0 28.5 26.0 31.0 31.1 35.7 34.3 32.3 30.7 36.4 34.1 32.2 66.6 62.6 56.2 93.0 83.6 68.4 68.4

Page 29 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 11

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

JAWA TENGAH

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

16465 4698 4091 1998 2068 1079 855 668 375 233 172 196 130 183 118 147 110 50 24 9 33,669

16,465 21,163 25,254 27,252 29,320 30,399 31,254 31,922 32,297 32,530 32,702 32,898 33,028 33,211 33,329 33,476 33,586 33,636 33,660 33,669

BAND

48.9 14.0 12.2 5.9 6.1 3.2 2.5 2.0 1.1 0.7 0.5 0.6 0.4 0.5 0.4 0.4 0.3 0.2 0.1 0.0

CUM.

PERCENTAGE rp

48.9 1,510.5 62.9 1,224.1 75.0 2,214.0 80.9 1,898.1 87.1 2,916.9 90.3 2,400.8 92.8 2,610.6 94.8 2,772.7 95.9 2,036.5 96.6 2,093.7 97.1 1,356.4 97.7 1,918.7 98.1 1,662.5 98.6 3,290.8 99.0 2,223.3 99.4 4,251.6 99.8 5,952.7 99.9 4,834.7 100.0 5,089.2 100.0 11,125.0 63,382.4

1,510.5 2,734.6 4,948.5 6,846.6 9,763.5 12,164.3 14,774.8 17,547.5 19,584.0 21,677.7 23,034.1 24,952.7 26,615.2 29,906.0 32,129.3 36,380.8 42,333.5 47,168.2 52,257.5 63,382.4

BAND

2.4 1.9 3.4 3.0 4.5 3.7 4.1 4.3 3.2 3.3 2.1 3.0 2.6 5.1 3.5 6.6 9.3 7.5 7.9 18.8

CUM.

2.4 4.3 7.7 10.6 15.2 18.9 23.0 27.3 30.4 33.7 35.8 38.8 41.3 46.5 49.9 56.5 65.8 73.3 81.2 100.0

PERCENTAGE f

9 11 7 10 12 15 10 16 9 28 9 11 26 20 9 28 21 28 12 3 294

9 20 27 37 49 64 74 90 99 127 136 147 173 193 202 230 251 279 291 294

BAND

3.1 3.7 2.4 3.4 4.1 5.1 3.4 5.4 3.1 9.5 3.1 3.7 8.8 6.8 3.1 9.5 7.1 9.5 4.1 1.0

CUM.

PERCENTAGE rp

3.1 206.1 6.8 179.7 9.2 582.2 12.6 221.3 16.7 591.8 21.8 544.3 25.2 1,590.9 30.6 1,295.2 33.7 295.5 43.2 397.0 46.3 87.9 50.0 3,554.3 58.8 894.9 65.7 215.3 68.7 17.7 78.2 656.4 85.4 2,587.8 94.9 452.1 99.0 901.6 100.0 34,643.4 49,915.5

206.1 385.8 968.0 1,189.4 1,781.1 2,325.4 3,916.4 5,211.5 5,507.0 5,904.0 5,992.0 9,546.3 10,441.2 10,656.5 10,674.2 11,330.6 13,918.4 14,370.5 15,272.1 49,915.5

BAND

0.4 0.4 1.2 0.4 1.2 1.1 3.2 2.6 0.6 0.8 0.2 7.1 1.8 0.4 0.0 1.3 5.2 0.9 1.8 69.4

CUM.

0.4 0.8 1.9 2.4 3.6 4.7 7.9 10.4 11.0 11.8 12.0 19.1 20.9 21.4 21.4 22.7 27.9 28.8 30.6 100.0

PERCENTAGE BAND

13.6 14.7 26.3 11.7 20.3 22.7 60.9 46.7 14.5 19.0 6.5 185.2 53.8 6.5 0.8 15.4 43.5 9.4 17.7 311.4

CUM.

13.6 14.1 19.6 17.4 18.2 19.1 26.5 29.7 28.1 27.2 26.0 38.3 39.2 35.6 33.2 31.1 32.9 30.5 29.2 78.8 78.8

Page 30 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 12

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

DI YOGYAKARTA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

930 607 569 300 294 104 93 99 44 30 22 27 15 28 8 24 20 4 3 2 3,223

930 1,537 2,106 2,406 2,700 2,804 2,897 2,996 3,040 3,070 3,092 3,119 3,134 3,162 3,170 3,194 3,214 3,218 3,221 3,223

BAND

28.9 18.8 17.7 9.3 9.1 3.2 2.9 3.1 1.4 0.9 0.7 0.8 0.5 0.9 0.3 0.7 0.6 0.1 0.1 0.1

CUM.

28.9 47.7 65.3 74.7 83.8 87.0 89.9 93.0 94.3 95.3 95.9 96.8 97.2 98.1 98.4 99.1 99.7 99.8 99.9 100.0

PERCENTAGE rp

74.0 136.0 257.5 230.1 367.9 221.0 235.2 359.3 194.6 173.8 140.9 201.0 114.1 378.1 120.9 360.6 589.0 118.6 234.7 2,592.9 7,100.1

74.0 210.0 467.6 697.7 1065.5 1286.6 1521.7 1881.1 2075.6 2249.4 2390.3 2591.2 2705.3 3083.4 3204.4 3565.0 4154.0 4272.5 4507.2 7100.1

BAND

1.0 1.9 3.6 3.2 5.2 3.1 3.3 5.1 2.7 2.5 2.0 2.8 1.6 5.3 1.7 5.1 8.3 1.7 3.3 36.5

CUM.

1.0 3.0 6.6 9.8 15.0 18.1 21.4 26.5 29.2 31.7 33.7 36.5 38.1 43.4 45.1 50.2 58.5 60.2 63.5 100.0

PERCENTAGE f

1 0 0 0 0 0 0 0 1 0 1 0 0 1 1 4 1 0 2 0 12

BAND

1 1 1 1 1 1 1 1 2 2 3 3 3 4 5 9 10 10 12 12

8.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 8.3 0.0 8.3 0.0 0.0 8.3 8.3 33.3 8.3 0.0 16.7 0.0

CUM.

8.3 8.3 8.3 8.3 8.3 8.3 8.3 8.3 16.7 16.7 25.0 25.0 25.0 33.3 41.7 75.0 83.3 83.3 100.0 100.0

PERCENTAGE rp

6.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5.0 0.0 29.8 0.0 0.0 45.2 21.1 117.3 700.0 0.0 52.4 0.0

6.7 6.7 6.7 6.7 6.7 6.7 6.7 6.7 11.7 11.7 41.5 41.5 41.5 86.7 107.8 225.1 925.1 925.1 977.5 977.5

977.5

BAND

0.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.5 0.0 3.1 0.0 0.0 4.6 2.2 12.0 71.6 0.0 5.4 0.0

CUM.

0.7 0.7 0.7 0.7 0.7 0.7 0.7 0.7 1.2 1.2 4.3 4.3 4.3 8.9 11.0 23.0 94.6 94.6 100.0 100.0

PERCENTAGE BAND

9.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.6 0.0 21.2 0.0 0.0 12.0 17.4 32.5 118.9 0.0 22.3 0.0

CUM

9.1 3.2 1.4 1.0 0.6 0.5 0.4 0.4 0.6 0.5 1.7 1.6 1.5 2.8 3.4 6.3 22.3 21.7 21.7 13.8 13.8

Page 31 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 13

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

JAWA TIMUR

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

12317 7857 7479 3834 3842 1905 1500 1259 837 448 361 447 280 390 229 367 228 104 99 19 43,802

12,317 20,174 27,653 31,487 35,329 37,234 38,734 39,993 40,830 41,278 41,639 42,086 42,366 42,756 42,985 43,352 43,580 43,684 43,783 43,802

BAND

28.1 17.9 17.1 8.8 8.8 4.4 3.4 2.9 1.9 1.0 0.8 1.0 0.6 0.9 0.5 0.8 0.5 0.2 0.2 0.0

CUM.

28.1 46.1 63.1 71.9 80.7 85.0 88.4 91.3 93.2 94.2 95.1 96.1 96.7 97.6 98.1 99.0 99.5 99.7 100.0 100.0

PERCENTAGE rp

1,036.6 2,086.1 3,155.4 2,883.6 4,775.9 3,563.2 3,992.6 4,666.1 4,125.1 2,919.9 2,465.3 4,220.5 2,948.1 7,008.9 4,590.3 14,019.8 12,422.8 7,355.8 24,378.6 15,366.4 127,980.9

1,036.6 3,122.7 6,278.1 9,161.7 13,937.6 17,500.8 21,493.3 26,159.4 30,284.4 33,204.3 35,669.6 39,890.1 42,838.3 49,847.1 54,437.4 68,457.3 80,880.1 88,235.9 112,614.6 127,980.9

BAND

0.8 1.6 2.4 2.2 3.7 2.8 3.1 3.6 3.2 2.3 1.9 3.3 2.3 5.5 3.6 10.9 9.6 5.7 18.9 12.7

PERCENTAGE

CUM.

0.8 2.4 4.9 7.1 10.8 13.6 16.7 20.3 23.5 25.8 27.7 31.0 33.3 38.7 42.3 53.1 62.8 68.5 87.3 100.0

17 26 9 11 10 11 9 9 14 13 13 12 5 102 11 93 35 8 39 6

17 43 52 63 73 84 93 102 116 129 142 154 159 261 272 365 400 408 447 453

453

BAND

CUM.

3.8 3.8 5.7 9.5 2.0 11.5 2.4 13.9 2.2 16.1 2.4 18.5 2.0 20.5 2.0 22.5 3.1 25.6 2.9 28.5 2.9 31.4 2.7 34.0 1.1 35.1 22.5 57.6 2.4 60.0 20.5 80.6 7.7 88.3 1.8 90.1 8.6 98.7 1.3 100.0

PERCENTAGE rp

282.9 1,006.1 563.4 332.7 1,897.9 997.4 41.7 469.9 209.2 400.8 2,071.3 3,259.8 243.3 2,174.0 448.3 26,285.7 61,460.5 42,799.2 12,406.1 31,454.9 188,805.1

282.9 1,289.1 1,852.4 2,185.1 4,083.0 5,080.4 5,122.0 5,591.9 5,801.1 6,202.0 8,273.2 11,533.0 11,776.3 13,950.3 14,398.6 40,684.3 102,144.8 144,944.0 157,350.2 188,805.1

BAND

0.2 0.5 0.3 0.2 1.0 0.5 0.0 0.3 0.1 0.2 1.1 1.7 0.1 1.2 0.2 13.9 32.6 22.7 6.6 16.7

PERCENTAGE

CUM.

0.2 0.7 1.0 1.2 2.2 2.7 2.7 3.0 3.1 3.3 4.4 6.1 6.2 7.4 7.6 21.6 54.1 76.8 83.3 100.0

BAND

27.3 48.2 17.9 11.5 39.7 28.0 1.0 10.1 5.1 13.7 84.0 77.2 8.3 31.0 9.8 187.5 494.7 581.8 50.9 204.7

CUM.

27.3 41.3 29.5 23.9 29.3 29.0 23.8 21.4 19.2 18.7 23.2 28.9 27.5 28.0 26.4 59.4 126.3 164.3 139.7 147.5 147.5

Page 32 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 14

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

KALIMANTAN BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

7591 3556 1613 484 355 131 97 57 38 18 17 26 11 10 11 14 21 14 3 0 14,067

7,591 11,147 12,760 13,244 13,599 13,730 13,827 13,884 13,922 13,940 13,957 13,983 13,994 14,004 14,015 14,029 14,050 14,064 14,067 14,067

BAND

54.0 25.3 11.5 3.4 2.5 0.9 0.7 0.4 0.3 0.1 0.1 0.2 0.1 0.1 0.1 0.1 0.2 0.1 0.0 0.0

CUM.

54.0 79.2 90.7 94.2 96.7 97.6 98.3 98.7 99.0 99.1 99.2 99.4 99.5 99.6 99.6 99.7 99.9 100.0 100.0 100.0

PERCENTAGE rp

1,602.4 1,789.6 1,659.8 836.8 958.5 435.0 491.9 294.0 321.1 164.1 244.2 371.0 279.0 300.4 470.4 487.4 2,132.8 2,048.8 858.0 0.0 15,745.2

1602.4 3392.0 5051.7 5888.6 6847.1 7282.1 7774.1 8068.0 8389.1 8553.2 8797.3 9168.4 9447.4 9747.8 10218.2 10705.6 12838.4 14887.2 15745.2 15745.2

BAND

10.2 11.4 10.5 5.3 6.1 2.8 3.1 1.9 2.0 1.0 1.6 2.4 1.8 1.9 3.0 3.1 13.6 13.0 5.5 0.0

CUM.

10.2 21.5 32.1 37.4 43.5 46.3 49.4 51.2 53.3 54.3 55.9 58.2 60.0 61.9 64.9 68.0 81.5 94.6 100.0 100.0

PERCENTAGE f

64 31 22 2 10 4 2 0 1 0 0 1 0 0 2 3 2 0 2 0 146

64 95 117 119 129 133 135 135 136 136 136 137 137 137 139 142 144 144 146 146

BAND

43.8 21.2 15.1 1.4 6.9 2.7 1.4 0.0 0.7 0.0 0.0 0.7 0.0 0.0 1.4 2.1 1.4 0.0 1.4 0.0

CUM.

43.8 65.1 80.1 81.5 88.4 91.1 92.5 92.5 93.2 93.2 93.2 93.8 93.8 93.8 95.2 97.3 98.6 98.6 100.0 100.0

PERCENTAGE rp

1,426.2 1,739.4 2,463.6 308.8 1,705.0 251.9 1,105.9 0.0 9.5 0.0 0.0 13.4 0.0 0.0 1,267.5 944.4 4.4 0.0 368.9 0.0 11,608.8

1,426.2 3,165.6 5,629.2 5,938.0 7,643.0 7,894.8 9,000.8 9,000.8 9,010.3 9,010.3 9,010.3 9,023.7 9,023.7 9,023.7 10,291.1 11,235.6 11,239.9 11,239.9 11,608.8 11,608.8

BAND

12.3 15.0 21.2 2.7 14.7 2.2 9.5 0.0 0.1 0.0 0.0 0.1 0.0 0.0 10.9 8.1 0.0 0.0 3.2 0.0

CUM.

12.3 27.3 48.5 51.2 65.8 68.0 77.5 77.5 77.6 77.6 77.6 77.7 77.7 77.7 88.7 96.8 96.8 96.8 100.0 100.0

PERCENTAGE BAND

89.0 97.2 148.4 36.9 177.9 57.9 224.8 0.0 3.0 0.0 0.0 3.6 0.0 0.0 269.4 193.8 0.2 0.0 43.0 0.0

CUM

89.0 93.3 111.4 100.8 111.6 108.4 115.8 111.6 107.4 105.3 102.4 98.4 95.5 92.6 100.7 105.0 87.6 75.5 73.7 73.7 73.7

Page 33 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 15

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

KALIMANTAN TENGAH

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

1167 397 347 121 116 51 35 30 14 9 5 8 1 8 3 3 6 1 0 0 2,322

1,167 1,564 1,911 2,032 2,148 2,199 2,234 2,264 2,278 2,287 2,292 2,300 2,301 2,309 2,312 2,315 2,321 2,322 2,322 2,322

BAND

50.3 17.1 14.9 5.2 5.0 2.2 1.5 1.3 0.6 0.4 0.2 0.3 0.0 0.3 0.1 0.1 0.3 0.0 0.0 0.0

CUM.

50.3 67.4 82.3 87.5 92.5 94.7 96.2 97.5 98.1 98.5 98.7 99.1 99.1 99.4 99.6 99.7 100.0 100.0 100.0 100.0

PERCENTAGE rp

198.2 207.2 363.9 191.2 313.7 222.0 180.4 133.2 141.5 84.8 178.3 255.6 33.3 498.0 250.6 438.7 1,583.6 242.7 0.0 0.0 5,516.9

198.2 405.4 769.3 960.5 1274.2 1496.2 1676.6 1809.8 1951.4 2036.2 2214.5 2470.1 2503.4 3001.4 3252.0 3690.7 5274.3 5516.9 5516.9 5516.9

BAND

3.6 3.8 6.6 3.5 5.7 4.0 3.3 2.4 2.6 1.5 3.2 4.6 0.6 9.0 4.5 8.0 28.7 4.4 0.0 0.0

CUM.

3.6 7.4 13.9 17.4 23.1 27.1 30.4 32.8 35.4 36.9 40.1 44.8 45.4 54.4 59.0 66.9 95.6 100.0 100.0 100.0

PERCENTAGE f

22 15 16 9 4 0 0 2 0 0 0 0 0 0 1 0 1 0 0 0 70

BAND

22 37 53 62 66 66 66 68 68 68 68 68 68 68 69 69 70 70 70 70

31.4 21.4 22.9 12.9 5.7 0.0 0.0 2.9 0.0 0.0 0.0 0.0 0.0 0.0 1.4 0.0 1.4 0.0 0.0 0.0

CUM.

31.4 52.9 75.7 88.6 94.3 94.3 94.3 97.1 97.1 97.1 97.1 97.1 97.1 97.1 98.6 98.6 100.0 100.0 100.0 100.0

PERCENTAGE rp

174.7 673.6 1,458.2 711.7 738.9 0.0 0.0 365.2 0.0 0.0 0.0 0.0 0.0 0.0 65.4 0.0 8.0 0.0 0.0 0.0 4,195.6

174.7 848.3 2,306.5 3,018.2 3,757.1 3,757.1 3,757.1 4,122.3 4,122.3 4,122.3 4,122.3 4,122.3 4,122.3 4,122.3 4,187.7 4,187.7 4,195.6 4,195.6 4,195.6 4,195.6

BAND

4.2 16.1 34.8 17.0 17.6 0.0 0.0 8.7 0.0 0.0 0.0 0.0 0.0 0.0 1.6 0.0 0.2 0.0 0.0 0.0

CUM.

4.2 20.2 55.0 71.9 89.6 89.6 89.6 98.3 98.3 98.3 98.3 98.3 98.3 98.3 99.8 99.8 100.0 100.0 100.0 100.0

PERCENTAGE BAND

88.1 325.1 400.7 372.2 235.5 0.0 0.0 274.1 0.0 0.0 0.0 0.0 0.0 0.0 26.1 0.0 0.5 0.0 0.0 0.0

CUM

88.1 209.3 299.8 314.2 294.9 251.1 224.1 227.8 211.3 202.5 186.2 166.9 164.7 137.3 128.8 113.5 79.6 76.1 76.1 76.1 76.1

Page 34 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 16

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

KALIMANTAN SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2437 910 742 327 339 135 110 81 35 28 21 20 14 14 8 13 10 5 5 0 5,254

2,437 3,347 4,089 4,416 4,755 4,890 5,000 5,081 5,116 5,144 5,165 5,185 5,199 5,213 5,221 5,234 5,244 5,249 5,254 5,254

BAND

46.4 17.3 14.1 6.2 6.5 2.6 2.1 1.5 0.7 0.5 0.4 0.4 0.3 0.3 0.2 0.3 0.2 0.1 0.1 0.0

CUM.

46.4 63.7 77.8 84.1 90.5 93.1 95.2 96.7 97.4 97.9 98.3 98.7 99.0 99.2 99.4 99.6 99.8 99.9 100.0 100.0

PERCENTAGE rp

241.6 273.6 499.8 391.3 623.1 374.5 422.2 493.3 239.1 249.7 193.5 230.9 198.8 369.6 326.8 805.8 766.0 1,232.1 993.9 0.0 8,925.5

241.6 515.3 1015.1 1406.4 2029.5 2404.0 2826.2 3319.4 3558.5 3808.2 4001.7 4232.6 4431.4 4801.0 5127.7 5933.5 6699.5 7931.6 8925.5 8925.5

BAND

2.7 3.1 5.6 4.4 7.0 4.2 4.7 5.5 2.7 2.8 2.2 2.6 2.2 4.1 3.7 9.0 8.6 13.8 11.1 0.0

CUM.

2.7 5.8 11.4 15.8 22.7 26.9 31.7 37.2 39.9 42.7 44.8 47.4 49.7 53.8 57.5 66.5 75.1 88.9 100.0 100.0

PERCENTAGE f

5 1 1 2 0 1 0 1 0 0 0 0 1 1 1 0 2 4 0 0 20

BAND

5 6 7 9 9 10 10 11 11 11 11 11 12 13 14 14 16 20 20 20

25.0 5.0 5.0 10.0 0.0 5.0 0.0 5.0 0.0 0.0 0.0 0.0 5.0 5.0 5.0 0.0 10.0 20.0 0.0 0.0

CUM.

25.0 30.0 35.0 45.0 45.0 50.0 50.0 55.0 55.0 55.0 55.0 55.0 60.0 65.0 70.0 70.0 80.0 100.0 100.0 100.0

PERCENTAGE rp

162.8 53.1 51.6 130.7 0.0 432.2 0.0 5.0 0.0 0.0 0.0 0.0 7.9 6.0 0.0 0.0 5.9 879.5 0.0 0.0 1,734.7

162.8 215.9 267.5 398.2 398.2 830.4 830.4 835.4 835.4 835.4 835.4 835.4 843.3 849.4 849.4 849.4 855.2 1,734.7 1,734.7 1,734.7

BAND

9.4 3.1 3.0 7.5 0.0 24.9 0.0 0.3 0.0 0.0 0.0 0.0 0.5 0.4 0.0 0.0 0.3 50.7 0.0 0.0

CUM.

9.4 12.5 15.4 23.0 23.0 47.9 47.9 48.2 48.2 48.2 48.2 48.2 48.6 49.0 49.0 49.0 49.3 100.0 100.0 100.0

PERCENTAGE BAND

67.4 19.4 10.3 33.4 0.0 115.4 0.0 1.0 0.0 0.0 0.0 0.0 4.0 1.6 0.0 0.0 0.8 71.4 0.0 0.0

CUM

67.4 41.9 26.4 28.3 19.6 34.5 29.4 25.2 23.5 21.9 20.9 19.7 19.0 17.7 16.6 14.3 12.8 21.9 19.4 19.4 19.4

Page 35 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 17

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

KALIMANTAN TIMUR

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2929 1899 1513 699 689 275 183 128 58 32 31 37 20 32 13 21 24 17 6 1 8,607

2,929 4,828 6,341 7,040 7,729 8,004 8,187 8,315 8,373 8,405 8,436 8,473 8,493 8,525 8,538 8,559 8,583 8,600 8,606 8,607

BAND

34.0 22.1 17.6 8.1 8.0 3.2 2.1 1.5 0.7 0.4 0.4 0.4 0.2 0.4 0.2 0.2 0.3 0.2 0.1 0.0

CUM.

34.0 56.1 73.7 81.8 89.8 93.0 95.1 96.6 97.3 97.7 98.0 98.4 98.7 99.1 99.2 99.4 99.7 99.9 100.0 100.0

PERCENTAGE rp

342.1 586.3 1,064.8 885.4 1,276.5 781.8 588.0 641.2 271.3 161.6 150.5 317.7 247.9 448.6 240.9 498.6 1,710.6 1,960.0 2,283.5 0.0 14,457.3

342.1 928.5 1993.2 2878.7 4155.2 4936.9 5525.0 6166.2 6437.5 6599.1 6749.6 7067.4 7315.3 7763.9 8004.7 8503.3 10213.9 12173.9 14457.3 14457.3

BAND

2.4 4.1 7.4 6.1 8.8 5.4 4.1 4.4 1.9 1.1 1.0 2.2 1.7 3.1 1.7 3.5 11.8 13.6 15.8 0.0

CUM.

2.4 6.4 13.8 19.9 28.7 34.2 38.2 42.7 44.5 45.7 46.7 48.9 50.6 53.7 55.4 58.8 70.7 84.2 100.0 100.0

PERCENTAGE f

6 5 5 2 1 0 0 1 0 2 0 0 0 0 0 1 3 6 1 0 33

BAND

6 11 16 18 19 19 19 20 20 22 22 22 22 22 22 23 26 32 33 33

18.2 15.2 15.2 6.1 3.0 0.0 0.0 3.0 0.0 6.1 0.0 0.0 0.0 0.0 0.0 3.0 9.1 18.2 3.0 0.0

CUM.

18.2 33.3 48.5 54.6 57.6 57.6 57.6 60.6 60.6 66.7 66.7 66.7 66.7 66.7 66.7 69.7 78.8 97.0 100.0 100.0

PERCENTAGE rp

272.2 61.4 624.4 179.1 269.4 0.0 0.0 11.5 0.0 49.1 0.0 0.0 0.0 0.0 0.0 122.0 1,886.1 448.3 5.0 0.0 3,928.6

272.2 333.6 958.0 1,137.1 1,406.5 1,406.5 1,406.5 1,418.0 1,418.0 1,467.1 1,467.1 1,467.1 1,467.1 1,467.1 1,467.1 1,589.1 3,475.3 3,923.6 3,928.6 3,928.6

BAND

6.9 1.6 15.9 4.6 6.9 0.0 0.0 0.3 0.0 1.3 0.0 0.0 0.0 0.0 0.0 3.1 48.0 11.4 0.1 0.0

CUM.

6.9 8.5 24.4 28.9 35.8 35.8 35.8 36.1 36.1 37.3 37.3 37.3 37.3 37.3 37.3 40.5 88.5 99.9 100.0 100.0

PERCENTAGE BAND

79.6 10.5 58.7 20.2 21.1 0.0 0.0 1.8 0.0 30.4 0.0 0.0 0.0 0.0 0.0 24.5 110.3 22.9 0.2 0.0

CUM

79.6 35.9 48.1 39.5 33.9 28.5 25.5 23.0 22.0 22.2 21.7 20.8 20.1 18.9 18.3 18.7 34.0 32.2 27.2 27.2 27.2

Page 36 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 18

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

SULAWESI UTARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2,228 1,130 847 386 440 171 135 92 52 19 15 15 18 8 8 14 9 4 4 5,595

2,228 3,358 4,205 4,591 5,031 5,202 5,337 5,429 5,481 5,500 5,515 5,530 5,548 5,556 5,564 5,578 5,587 5,591 5,595 5,595

BAND

39.8 20.2 15.1 6.9 7.9 3.1 2.4 1.6 0.9 0.3 0.3 0.3 0.3 0.1 0.1 0.3 0.2 0.1 0.1 0.0

CUM.

39.8 60.0 75.2 82.1 89.9 93.0 95.4 97.0 98.0 98.3 98.6 98.8 99.2 99.3 99.5 99.7 99.9 99.9 100.0 100.0

PERCENTAGE rp

207.3 270.9 444.6 343.0 693.8 426.0 471.8 403.2 295.3 101.5 126.8 199.6 270.5 130.6 120.0 268.6 719.4 1,368.5 866.0 0.0 7,727.4

207.3 478.2 922.8 1265.8 1959.6 2385.5 2857.3 3260.5 3555.9 3657.4 3784.2 3983.8 4254.2 4384.8 4504.9 4773.4 5492.9 6861.4 7727.4 7727.4

BAND

2.7 3.5 5.8 4.4 9.0 5.5 6.1 5.2 3.8 1.3 1.6 2.6 3.5 1.7 1.6 3.5 9.3 17.7 11.2 0.0

CUM.

2.7 6.2 11.9 16.4 25.4 30.9 37.0 42.2 46.0 47.3 49.0 51.6 55.1 56.7 58.3 61.8 71.1 88.8 100.0 100.0

PERCENTAGE f

6 4 2 1 2 0 0 0 2 0 0 0 1 4 0 1 1 0 0 0 24

BAND

6 10 12 13 15 15 15 15 17 17 17 17 18 22 22 23 24 24 24 24

25.0 16.7 8.3 4.2 8.3 0.0 0.0 0.0 8.3 0.0 0.0 0.0 4.2 16.7 0.0 4.2 4.2 0.0 0.0 0.0

CUM.

25.0 41.7 50.0 54.2 62.5 62.5 62.5 62.5 70.8 70.8 70.8 70.8 75.0 91.7 91.7 95.8 100.0 100.0 100.0 100.0

PERCENTAGE rp

57.0 249.1 38.4 35.0 10.0 0.0 0.0 0.0 8.3 0.0 0.0 0.0 3.9 36.8 0.0 0.0 128.2 0.0 0.0 0.0

57.0 306.1 344.5 379.5 389.5 389.5 389.5 389.5 397.8 397.8 397.8 397.8 401.7 438.5 438.5 438.5 566.7 566.7 566.7 566.7

BAND

10.1 44.0 6.8 6.2 1.8 0.0 0.0 0.0 1.5 0.0 0.0 0.0 0.7 6.5 0.0 0.0 22.6 0.0 0.0 0.0

CUM.

10.1 54.0 60.8 67.0 68.7 68.7 68.7 68.7 70.2 70.2 70.2 70.2 70.9 77.4 77.4 77.4 100.0 100.0 100.0 100.0

PERCENTAGE BAND

27.5 92.0 8.6 10.2 1.4 0.0 0.0 0.0 2.8 0.0 0.0 0.0 1.4 28.2 0.0 0.0 17.8 0.0 0.0 0.0

CUM

27.5 64.0 37.3 30.0 19.9 16.3 13.6 12.0 11.2 10.9 10.5 10.0 9.4 10.0 9.7 9.2 10.3 8.3 7.3 7.3

566.7

7.3

Page 37 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 19

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

SULAWESI TENGAH

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

915 541 462 218 206 88 44 33 17 4 5 3 2 2 3 8 1 1 2,553

915 1,456 1,918 2,136 2,342 2,430 2,474 2,507 2,524 2,528 2,533 2,536 2,538 2,540 2,543 2,551 2,552 2,553 2,553 2,553

BAND

35.8 21.2 18.1 8.5 8.1 3.5 1.7 1.3 0.7 0.2 0.2 0.1 0.1 0.1 0.1 0.3 0.0 0.0 0.0 0.0

CUM.

35.8 57.0 75.1 83.7 91.7 95.2 96.9 98.2 98.9 99.0 99.2 99.3 99.4 99.5 99.6 99.9 100.0 100.0 100.0 100.0

PERCENTAGE rp

127.8 205.5 328.9 286.9 423.4 244.2 162.3 167.8 114.4 24.9 69.3 10.1 45.2 36.3 30.8 246.0 38.8 118.8 0.0 0.0 2,681.5

127.8 333.3 662.2 949.2 1372.5 1616.8 1779.1 1946.8 2061.2 2086.1 2155.5 2165.6 2210.8 2247.1 2277.9 2523.9 2562.7 2681.5 2681.5 2681.5

BAND

4.8 7.7 12.3 10.7 15.8 9.1 6.1 6.3 4.3 0.9 2.6 0.4 1.7 1.4 1.2 9.2 1.5 4.4 0.0 0.0

CUM.

4.8 12.4 24.7 35.4 51.2 60.3 66.4 72.6 76.9 77.8 80.4 80.8 82.5 83.8 85.0 94.1 95.6 100.0 100.0 100.0

PERCENTAGE f

2 5 6 1 0 1 0 1 0 0 0 1 0 0 0 0 0 1 0 0 18

BAND

2 7 13 14 14 15 15 16 16 16 16 17 17 17 17 17 17 18 18 18

11.1 27.8 33.3 5.6 0.0 5.6 0.0 5.6 0.0 0.0 0.0 5.6 0.0 0.0 0.0 0.0 0.0 5.6 0.0 0.0

CUM.

11.1 38.9 72.2 77.8 77.8 83.3 83.3 88.9 88.9 88.9 88.9 94.4 94.4 94.4 94.4 94.4 94.4 100.0 100.0 100.0

PERCENTAGE rp

12.2 162.5 374.1 50.0 0.0 630.1 0.0 466.9 0.0 0.0 0.0 24.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,720.2

12.2 174.7 548.9 598.9 598.9 1,228.9 1,228.9 1,695.8 1,695.8 1,695.8 1,695.8 1,720.2 1,720.2 1,720.2 1,720.2 1,720.2 1,720.2 1,720.2 1,720.2 1,720.2

BAND

0.7 9.5 21.8 2.9 0.0 36.6 0.0 27.1 0.0 0.0 0.0 1.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

0.7 10.2 31.9 34.8 34.8 71.4 71.4 98.6 98.6 98.6 98.6 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

9.6 79.1 113.8 17.4 0.0 258.0 0.0 278.3 0.0 0.0 0.0 241.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM

9.6 52.4 82.9 63.1 43.6 76.0 69.1 87.1 82.3 81.3 78.7 79.4 77.8 76.6 75.5 68.2 67.1 64.2 64.2 64.2 64.2

Page 38 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

SULAWESI SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

PERCENTAGE f

3,798 2,005 1,308 584 558 242 190 134 89 56 31 44 24 35 17 30 24 8 4 4

3,798 5,803 7,111 7,695 8,253 8,495 8,685 8,819 8,908 8,964 8,995 9,039 9,063 9,098 9,115 9,145 9,169 9,177 9,181 9,185

9,185

BAND

41.4 21.8 14.2 6.4 6.1 2.6 2.1 1.5 1.0 0.6 0.3 0.5 0.3 0.4 0.2 0.3 0.3 0.1 0.0 0.0

CUM.

41.4 63.2 77.4 83.8 89.9 92.5 94.6 96.0 97.0 97.6 97.9 98.4 98.7 99.1 99.2 99.6 99.8 99.9 100.0 100.0

PERCENTAGE rp

288.7 570.8 718.7 572.9 893.6 585.1 611.6 540.2 539.3 483.3 251.3 490.5 271.5 582.7 279.7 829.9 1,151.1 569.6 1,066.1 4,118.0 15,414.3

288.7 859.4 1578.1 2151.0 3044.6 3629.7 4241.3 4781.5 5320.8 5804.1 6055.3 6545.9 6817.3 7400.0 7679.7 8509.5 9660.6 10230.2 11296.3 15414.3

BAND

1.9 3.7 4.7 3.7 5.8 3.8 4.0 3.5 3.5 3.1 1.6 3.2 1.8 3.8 1.8 5.4 7.5 3.7 6.9 26.7

CUM.

1.9 5.6 10.2 14.0 19.8 23.6 27.5 31.0 34.5 37.7 39.3 42.5 44.2 48.0 49.8 55.2 62.7 66.4 73.3 100.0

PERCENTAGE f

3 3 4 3 1 1 0 0 1 0 0 0 1 1 0 0 3 3 0 5 29

BAND

3 6 10 13 14 15 15 15 16 16 16 16 17 18 18 18 21 24 24 29

10.3 10.3 13.8 10.3 3.5 3.5 0.0 0.0 3.5 0.0 0.0 0.0 3.5 3.5 0.0 0.0 10.3 10.3 0.0 17.2

CUM.

PERCENTAGE rp

10.3 48.3 48.3 20.7 73.9 122.2 34.5 261.3 383.5 44.8 278.9 662.4 48.3 4.0 666.4 51.7 1.5 668.0 51.7 0.0 668.0 51.7 0.0 668.0 55.2 0.8 668.8 55.2 0.0 668.8 55.2 0.0 668.8 55.2 0.0 668.8 58.6 19.7 688.5 62.1 8.2 696.7 62.1 0.0 696.7 62.1 0.0 696.7 72.4 43.9 740.6 82.8 137.8 878.4 82.8 0.0 878.4 100.0 71,850.0 72,728.4 72,728.4

BAND

0.1 0.1 0.4 0.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.1 0.2 0.0 98.8

CUM.

0.1 0.2 0.5 0.9 0.9 0.9 0.9 0.9 0.9 0.9 0.9 0.9 1.0 1.0 1.0 1.0 1.0 1.2 1.2 100.0

PERCENTAGE BAND

16.7 13.0 36.4 48.7 0.5 0.3 0.0 0.0 0.2 0.0 0.0 0.0 7.3 1.4 0.0 0.0 3.8 24.2 0.0 1,744.8

CUM

16.7 14.2 24.3 30.8 21.9 18.4 15.8 14.0 12.6 11.5 11.0 10.2 10.1 9.4 9.1 8.2 7.7 8.6 7.8 471.8 471.8

Page 39 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 21

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

SULAWESI TENGGARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

497 292 212 107 74 30 12 17 5 1 2 7 2 4 4 3 1,269

497 789 1,001 1,108 1,182 1,212 1,224 1,241 1,246 1,247 1,249 1,256 1,258 1,258 1,262 1,266 1,269 1,269 1,269 1,269

BAND

39.2 23.0 16.7 8.4 5.8 2.4 1.0 1.3 0.4 0.1 0.2 0.6 0.2 0.0 0.3 0.3 0.2 0.0 0.0 0.0

CUM.

39.2 62.2 78.9 87.3 93.1 95.5 96.5 97.8 98.2 98.3 98.4 99.0 99.1 99.1 99.5 99.8 100.0 100.0 100.0 100.0

PERCENTAGE rp

42.7 84.1 137.0 132.9 144.5 73.0 34.5 70.8 23.8 2.3 11.2 110.2 19.3 0.0 57.4 124.4 126.7 0.0 0.0 0.0 1,194.9

42.7 126.8 263.8 396.8 541.3 614.3 648.8 719.6 743.4 745.7 756.9 867.1 886.4 886.4 943.8 1068.2 1194.9 1194.9 1194.9 1194.9

BAND

3.6 7.0 11.5 11.1 12.1 6.1 2.9 5.9 2.0 0.2 0.9 9.2 1.6 0.0 4.8 10.4 10.6 0.0 0.0 0.0

CUM.

3.6 10.6 22.1 33.2 45.3 51.4 54.3 60.2 62.2 62.4 63.3 72.6 74.2 74.2 79.0 89.4 100.0 100.0 100.0 100.0

PERCENTAGE f

32 0 0 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 34

BAND

32 32 32 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34 34

94.1 0.0 0.0 5.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

94.1 94.1 94.1 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

449.4 0.0 0.0 115.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

449.4 449.4 449.4 564.5 564.5 564.5 564.5 564.5 564.5 564.5 564.5 564.5 564.5 564.5 564.5 564.5 564.5 564.5 564.5 564.5

564.5

BAND

79.6 0.0 0.0 20.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

79.6 79.6 79.6 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

1,052.3 0.0 0.0 86.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM

1,052.3 354.4 170.3 142.3 104.3 91.9 87.0 78.4 75.9 75.7 74.6 65.1 63.7 63.7 59.8 52.8 47.2 47.2 47.2 47.2 47.2

Page 40 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 22

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

BALI

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

PERCENTAGE f

2,751 1,436 1,323 729 779 409 317 288 130 77 65 64 45 48 34 32 21 15 12 5

2,751 4,187 5,510 6,239 7,018 7,427 7,744 8,032 8,162 8,239 8,304 8,368 8,413 8,461 8,495 8,527 8,548 8,563 8,575 8,580

8,580

BAND

32.1 16.7 15.4 8.5 9.1 4.8 3.7 3.4 1.5 0.9 0.8 0.8 0.5 0.6 0.4 0.4 0.2 0.2 0.1 0.1

CUM.

32.1 48.8 64.2 72.7 81.8 86.6 90.3 93.6 95.1 96.0 96.8 97.5 98.1 98.6 99.0 99.4 99.6 99.8 99.9 100.0

PERCENTAGE rp

226.1 361.2 617.5 582.6 989.8 783.2 859.2 952.4 565.3 503.5 382.9 591.7 462.3 457.2 551.9 760.4 1,016.0 1,180.4 2,086.9 1,470.0 15,400.3

226.1 587.3 1,204.8 1,787.4 2,777.2 3,560.4 4,419.6 5,372.0 5,937.3 6,440.8 6,823.6 7,415.3 7,877.6 8,334.8 8,886.7 9,647.0 10,663.1 11,843.4 13,930.3 15,400.3

BAND

1.4 2.3 3.9 3.6 6.2 4.9 5.4 6.0 3.5 3.2 2.4 3.7 2.9 2.9 3.5 4.8 6.4 7.7 13.1 12.6

CUM.

1.4 3.7 7.5 11.2 17.4 22.3 27.6 33.6 37.1 40.3 42.7 46.4 49.3 52.1 55.6 60.3 66.7 74.4 87.5 100.0

PERCENTAGE f

1 4 3 2 1 3 5 5 4 1 1 0 1 1 4 5 10 1 7 1 60

BAND

1 5 8 10 11 14 19 24 28 29 30 30 31 32 36 41 51 52 59 60

1.7 6.7 5.0 3.3 1.7 5.0 8.3 8.3 6.7 1.7 1.7 0.0 1.7 1.7 6.7 8.3 16.7 1.7 11.7 1.7

CUM.

1.7 8.3 13.3 16.7 18.3 23.3 31.7 40.0 46.7 48.3 50.0 50.0 51.7 53.3 60.0 68.3 85.0 86.7 98.3 100.0

PERCENTAGE rp

20.0 139.1 91.4 74.1 1.6 90.7 104.4 226.1 26.1 188.1 7.0 0.0 10.7 76.5 318.7 56.2 921.7 70.6 448.3 4,425.3 7,296.6

20.0 159.1 250.5 324.7 326.3 416.9 521.4 747.5 773.6 961.7 968.7 968.7 979.4 1,055.8 1,374.6 1,430.8 2,352.5 2,423.0 2,871.3 7,296.6

BAND

0.3 1.9 1.3 1.0 0.0 1.2 1.4 3.1 0.4 2.6 0.1 0.0 0.2 1.1 4.4 0.8 12.6 1.0 6.1 60.7

CUM.

0.3 2.2 3.4 4.5 4.5 5.7 7.2 10.2 10.6 13.2 13.3 13.3 13.4 14.5 18.8 19.6 32.2 33.2 39.4 100.0

PERCENTAGE BAND

8.8 38.5 14.8 12.7 0.2 11.6 12.2 23.7 4.6 37.4 1.8 0.0 2.3 16.7 57.8 7.4 90.7 6.0 21.5 301.0

CUM

8.8 27.1 20.8 18.2 11.7 11.7 11.8 13.9 13.0 14.9 14.2 13.1 12.4 12.7 15.5 14.8 22.1 20.5 20.6 47.4 47.4

Page 41 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 23

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

NUSA TENGGARA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

PERCENTAGE f

1,040 420 298 114 128 74 36 44 21 13 7 4 6 9 2 3 4 2 -

1,040 1,460 1,758 1,872 2,000 2,074 2,110 2,154 2,175 2,188 2,195 2,199 2,205 2,214 2,216 2,219 2,223 2,225 2,225 2,225

2,225

BAND

46.7 18.9 13.4 5.1 5.8 3.3 1.6 2.0 0.9 0.6 0.3 0.2 0.3 0.4 0.1 0.1 0.2 0.1 0.0 0.0

CUM.

46.7 65.6 79.0 84.1 89.9 93.2 94.8 96.8 97.8 98.3 98.7 98.8 99.1 99.5 99.6 99.7 99.9 100.0 100.0 100.0

PERCENTAGE rp

96.5 134.5 186.2 176.7 235.1 240.4 175.9 173.1 178.6 97.3 41.5 30.7 79.3 121.3 24.6 11.9 158.6 398.2 0.0 0.0 2,560.2

96.5 231.1 417.2 594.0 829.1 1069.4 1245.3 1418.4 1597.0 1694.3 1735.8 1766.4 1845.7 1967.0 1991.5 2003.4 2162.0 2560.2 2560.2 2560.2

BAND

3.8 5.3 7.3 6.9 9.2 9.4 6.9 6.8 7.0 3.8 1.6 1.2 3.1 4.7 1.0 0.5 6.2 15.6 0.0 0.0

CUM.

3.8 9.0 16.3 23.2 32.4 41.8 48.6 55.4 62.4 66.2 67.8 69.0 72.1 76.8 77.8 78.3 84.5 100.0 100.0 100.0

PERCENTAGE f

0 1 3 1 0 2 0 0 0 0 0 0 0 0 0 0 1 0 0 0 8

BAND

0 1 4 5 5 7 7 7 7 7 7 7 7 7 7 7 8 8 8 8

0.0 12.5 37.5 12.5 0.0 25.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 12.5 0.0 0.0 0.0

CUM.

0.0 12.5 50.0 62.5 62.5 87.5 87.5 87.5 87.5 87.5 87.5 87.5 87.5 87.5 87.5 87.5 100.0 100.0 100.0 100.0

PERCENTAGE rp

0.0 79.7 156.5 2.0 0.0 21.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 465.2 0.0 0.0 0.0

0.0 79.7 236.2 238.1 238.1 259.2 259.2 259.2 259.2 259.2 259.2 259.2 259.2 259.2 259.2 259.2 724.5 724.5 724.5 724.5

724.5

BAND

0.0 11.0 21.6 0.3 0.0 2.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 64.2 0.0 0.0 0.0

CUM.

0.0 11.0 32.6 32.9 32.9 35.8 35.8 35.8 35.8 35.8 35.8 35.8 35.8 35.8 35.8 35.8 100.0 100.0 100.0 100.0

PERCENTAGE BAND

0.0 59.2 84.1 1.1 0.0 8.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 293.4 0.0 0.0 0.0

CUM

0.0 34.5 56.6 40.1 28.7 24.2 20.8 18.3 16.2 15.3 14.9 14.7 14.1 13.2 13.0 12.9 33.5 28.3 28.3 28.3 28.3

Page 42 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 24

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

NUSA TENGGARA TIMUR

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

748 552 367 190 147 74 43 20 14 6 1 3 2 1 1 2,169

748 1,300 1,667 1,857 2,004 2,078 2,121 2,141 2,155 2,161 2,162 2,162 2,165 2,167 2,167 2,168 2,169 2,169 2,169 2,169

BAND

34.5 25.5 16.9 8.8 6.8 3.4 2.0 0.9 0.7 0.3 0.1 0.0 0.1 0.1 0.0 0.1 0.1 0.0 0.0 0.0

CUM.

34.5 59.9 76.9 85.6 92.4 95.8 97.8 98.7 99.4 99.6 99.7 99.7 99.8 99.9 99.9 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

90.6 182.7 306.7 271.4 343.0 255.8 232.7 124.5 88.5 62.9 9.8 0.0 20.7 24.8 0.0 25.8 2.8 0.0 0.0 0.0 2,042.6

90.6 273.3 580.0 851.4 1194.3 1450.1 1682.8 1807.2 1895.8 1958.7 1968.5 1968.5 1989.2 2014.0 2014.0 2039.8 2042.6 2042.6 2042.6 2042.6

BAND

4.4 8.9 15.0 13.3 16.8 12.5 11.4 6.1 4.3 3.1 0.5 0.0 1.0 1.2 0.0 1.3 0.1 0.0 0.0 0.0

CUM.

4.4 13.4 28.4 41.7 58.5 71.0 82.4 88.5 92.8 95.9 96.4 96.4 97.4 98.6 98.6 99.9 100.0 100.0 100.0 100.0

PERCENTAGE f

4 0 0 0 0 1 0 0 0 0 0 0 0 1 0 0 0 0 0 0 6

BAND

4 4 4 4 4 5 5 5 5 5 5 5 5 6 6 6 6 6 6 6

66.7 0.0 0.0 0.0 0.0 16.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 16.7 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

66.7 66.7 66.7 66.7 66.7 83.3 83.3 83.3 83.3 83.3 83.3 83.3 83.3 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

108.3 0.0 0.0 0.0 0.0 177.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 42.2 0.0 0.0 0.0 0.0 0.0 0.0

108.3 108.3 108.3 108.3 108.3 285.5 285.5 285.5 285.5 285.5 285.5 285.5 285.5 327.7 327.7 327.7 327.7 327.7 327.7 327.7

327.7

BAND

33.1 0.0 0.0 0.0 0.0 54.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 12.9 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

33.1 33.1 33.1 33.1 33.1 87.1 87.1 87.1 87.1 87.1 87.1 87.1 87.1 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

119.5 0.0 0.0 0.0 0.0 69.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 170.2 0.0 0.0 0.0 0.0 0.0 0.0

CUM

119.5 39.6 18.7 12.7 9.1 19.7 17.0 15.8 15.1 14.6 14.5 14.5 14.4 16.3 16.3 16.1 16.0 16.0 16.0 16.0 16.0

Page 43 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 25

DATA POSITION FROM TO PROCESSING

DATE

01/01/2000

15/12/2003

15/03/2004

MALUKU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

PERCENTAGE f

220 121 108 59 64 39 29 14 14 4 1 3 1 6 3 4 4 3 1 -

220 341 449 508 572 611 640 654 668 672 673 676 677 683 686 690 694 697 698 698

698

BAND

31.5 17.3 15.5 8.5 9.2 5.6 4.2 2.0 2.0 0.6 0.1 0.4 0.1 0.9 0.4 0.6 0.6 0.4 0.1 0.0

CUM.

31.5 48.9 64.3 72.8 82.0 87.5 91.7 93.7 95.7 96.3 96.4 96.9 97.0 97.9 98.3 98.9 99.4 99.9 100.0 100.0

PERCENTAGE rp

30.1 41.1 79.0 72.6 136.3 107.7 119.7 79.6 100.2 42.3 5.6 26.0 11.4 57.9 56.3 254.6 277.9 464.5 1,816.3 0.0 3,778.9

30.1 71.2 150.2 222.8 359.0 466.7 586.4 665.9 766.2 808.5 814.1 840.1 851.5 909.4 965.7 1,220.3 1,498.1 1,962.6 3,778.9 3,778.9

BAND

0.8 1.1 2.1 1.9 3.6 2.8 3.1 2.1 2.6 1.1 0.2 0.7 0.3 1.5 1.5 6.7 7.3 12.1 48.7 0.0

CUM.

0.8 1.9 3.9 5.8 9.4 12.2 15.3 17.4 20.0 21.1 21.3 22.0 22.3 23.8 25.3 31.9 39.2 51.3 100.0 100.0

PERCENTAGE f

1 2 4 0 1 0 1 0 0 1 0 0 0 0 0 0 0 0 2 0 12

BAND

1 3 7 7 8 8 9 9 9 10 10 10 10 10 10 10 10 10 12 12

8.3 16.7 33.3 0.0 8.3 0.0 8.3 0.0 0.0 8.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 16.7 0.0

CUM.

8.3 25.0 58.3 58.3 66.7 66.7 75.0 75.0 75.0 83.3 83.3 83.3 83.3 83.3 83.3 83.3 83.3 83.3 100.0 100.0

PERCENTAGE rp

50.0 130.0 313.2 0.0 168.7 0.0 0.0 0.0 0.0 1,264.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,629.2 0.0 3,555.7

50.0 180.0 493.2 493.2 661.9 661.9 661.9 661.9 661.9 1,926.5 1,926.5 1,926.5 1,926.5 1,926.5 1,926.5 1,926.5 1,926.5 1,926.5 3,555.7 3,555.7

BAND

1.4 3.7 8.8 0.0 4.7 0.0 0.0 0.0 0.0 35.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 45.8 0.0

CUM.

1.4 5.1 13.9 13.9 18.6 18.6 18.6 18.6 18.6 54.2 54.2 54.2 54.2 54.2 54.2 54.2 54.2 54.2 100.0 100.0

PERCENTAGE BAND

166.1 316.6 396.3 0.0 123.8 0.0 0.0 0.0 0.0 2,990.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 89.7 0.0

CUM.

166.1 253.0 328.4 221.4 184.4 141.8 112.9 99.4 86.4 238.3 236.6 229.3 226.2 211.8 199.5 157.9 128.6 98.2 94.1 94.1 94.1

Page 44 of 138

RISK AND LOSS PROFILE 2000 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2000

PROVINCE

: 26

DATA POSITION FROM PROCESSING

01/01/2000

15/12/2003

DATE

15/03/2004

IRIAN JAYA

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

435 311 329 203 188 92 63 46 17 9 16 8 8 1 2 4 11 1 2 1,746

435 746 1,075 1,278 1,466 1,558 1,621 1,667 1,684 1,693 1,709 1,717 1,725 1,726 1,728 1,732 1,743 1,744 1,746 1,746

BAND

24.9 17.8 18.9 11.6 10.8 5.3 3.6 2.6 1.0 0.5 0.9 0.5 0.5 0.1 0.1 0.2 0.6 0.1 0.1 0.0

CUM.

24.9 42.8 61.6 73.2 84.0 89.2 92.8 95.5 96.5 97.0 97.9 98.3 98.8 98.9 99.0 99.2 99.8 99.9 100.0 100.0

PERCENTAGE rp

60.6 118.7 291.2 289.7 454.8 326.2 265.6 303.3 130.0 89.4 176.7 55.9 138.5 26.8 45.1 114.5 530.3 857.6 361.6 0.0 4,636.6

60.6 179.4 470.6 760.3 1,215.1 1,541.3 1,806.9 2,110.2 2,240.2 2,329.6 2,506.4 2,562.3 2,700.8 2,727.6 2,772.7 2,887.2 3,417.5 4,275.1 4,636.6 4,636.6

BAND

1.3 2.6 6.3 6.2 9.8 7.0 5.7 6.5 2.8 1.9 3.8 1.2 3.0 0.6 1.0 2.5 11.4 18.5 7.8 0.0

CUM.

1.3 3.9 10.2 16.4 26.2 33.2 39.0 45.5 48.3 50.2 54.1 55.3 58.2 58.8 59.8 62.3 73.7 92.2 100.0 100.0

PERCENTAGE

PERCENTAGE f

0 1 1 1 1 1 1 0 0 0 0 0 1 0 0 0 0 0 0 0 7

BAND

0 1 2 3 4 5 6 6 6 6 6 6 7 7 7 7 7 7 7 7

0.0 14.3 14.3 14.3 14.3 14.3 14.3 0.0 0.0 0.0 0.0 0.0 14.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

0.0 14.3 28.6 42.9 57.1 71.4 85.7 85.7 85.7 85.7 85.7 85.7 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

0.0 60.5 8.5 3.1 19.2 7.2 26.8 0.0 0.0 0.0 0.0 0.0 99.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 225.1

0.0 60.5 69.0 72.0 91.3 98.5 125.3 125.3 125.3 125.3 125.3 125.3 225.1 225.1 225.1 225.1 225.1 225.1 225.1 225.1

BAND

0.0 26.9 3.8 1.4 8.6 3.2 11.9 0.0 0.0 0.0 0.0 0.0 44.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

0.0 26.9 30.6 32.0 40.6 43.8 55.7 55.7 55.7 55.7 55.7 55.7 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

0.0 51.0 2.9 1.1 4.2 2.2 10.1 0.0 0.0 0.0 0.0 0.0 72.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM

0.0 33.7 14.7 9.5 7.5 6.4 6.9 5.9 5.6 5.4 5.0 4.9 8.3 8.3 8.1 7.8 6.6 5.3 4.9 4.9 4.9

Page 45 of 138

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 BPPDAN Phone No.: 334208 Ext.3163/3164 Fax No.: 3911432

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2001

15/12/2003

DATE

15/03/2004

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 105,406 105,406 75 88,858 194,264 150 93,451 287,715 250 46,444 334,159 400 44,275 378,434 625 20,268 398,702 875 14,711 413,413 1,250 10,264 423,677 1,750 5,893 429,570 2,250 3,216 432,786 2,750 2,477 435,263 3,500 3,009 438,272 4,500 1,974 440,246 6,250 2,430 442,676 8,750 1,621 444,297 15,000 2,468 446,765 35,000 1,784 448,549 75,000 735 449,284 300,000 723 450,007 136 450,143

BAND

23.4 19.7 20.8 10.3 9.8 4.5 3.3 2.3 1.3 0.7 0.6 0.7 0.4 0.5 0.4 0.6 0.4 0.2 0.2 0.0

CUM.

PERCENTAGE rp

23.4 35,988.0 35,988.0 43.2 22,470.7 58,458.6 63.9 39,973.3 98,431.9 74.2 35,001.4 133,433.3 84.1 52,813.8 186,247.1 88.6 35,983.8 222,230.8 91.8 38,569.7 260,800.5 94.1 38,114.9 298,915.4 95.4 28,990.5 327,905.9 96.1 20,410.6 348,316.5 96.7 18,575.6 366,892.0 97.4 26,811.7 393,703.7 97.8 22,600.0 416,303.7 98.3 34,135.5 450,439.2 98.7 31,094.4 481,533.6 99.3 73,036.3 554,569.9 99.7 95,984.9 650,554.7 99.8 66,537.1 717,091.8 100.0 138,064.9 855,156.7 100.0 128,073.9 983,230.7

TOTAL 450,143 983,230.7 Catatan / Note : Data belum termasuk Klaim Fire yang tidak ada Polisnya Rp. 98.771.710.265,55 - Freq. Klaim 569

BAND

3.7 2.3 4.1 3.6 5.4 3.7 3.9 3.9 3.0 2.1 1.9 2.7 2.3 3.5 3.2 7.4 9.8 6.8 14.0 13.0

PERCENTAGE

CUM.

3.7 6.0 10.0 13.6 18.9 22.6 26.5 30.4 33.4 35.4 37.3 40.0 42.3 45.8 49.0 56.4 66.2 72.9 87.0 100.0

322 189 187 141 208 100 92 118 61 57 42 59 76 94 92 178 197 124 214 263 2,814

322 511 698 839 1,047 1,147 1,239 1,357 1,418 1,475 1,517 1,576 1,652 1,746 1,838 2,016 2,213 2,337 2,551 2,814

BAND

11.4 6.7 6.7 5.0 7.4 3.6 3.3 4.2 2.2 2.0 1.5 2.1 2.7 3.3 3.3 6.3 7.0 4.4 7.6 9.4

CUM.

PERCENTAGE rp

11.4 43,790.7 43,790.7 18.2 8,372.5 52,163.2 24.8 10,596.3 62,759.5 29.8 9,992.1 72,751.5 37.2 15,924.9 88,676.4 40.8 13,720.7 102,397.1 44.0 11,516.6 113,913.6 48.2 20,399.4 134,313.1 50.4 8,688.4 143,001.5 52.4 17,725.0 160,726.4 53.9 5,713.9 166,440.4 56.0 11,672.5 178,112.8 58.7 13,129.3 191,242.1 62.1 17,619.5 208,861.6 65.3 31,286.1 240,147.7 71.6 54,744.2 294,891.8 78.6 159,902.9 454,794.7 83.1 36,380.2 491,175.0 90.7 27,478.1 518,653.0 100.0 23,478.0 542,131.1 542,131.1

BAND

8.1 1.5 2.0 1.8 2.9 2.5 2.1 3.8 1.6 3.3 1.1 2.2 2.4 3.3 5.8 10.1 29.5 6.7 5.1 4.3

CUM.

8.1 9.6 11.6 13.4 16.4 18.9 21.0 24.8 26.4 29.7 30.7 32.9 35.3 38.5 44.3 54.4 83.9 90.6 95.7 100.0

PERCENTAGE BAND

121.7 37.3 26.5 28.6 30.2 38.1 29.9 53.5 30.0 86.8 30.8 43.5 58.1 51.6 100.6 75.0 166.6 54.7 19.9 18.3

CUM

121.7 89.2 63.8 54.5 47.6 46.1 43.7 44.9 43.6 46.1 45.4 45.2 45.9 46.4 49.9 53.2 69.9 68.5 60.7 55.1 55.1

( Data not Include Claim Fire no Policy Rp. 98.771.710.265,55 - Freq Claim 569 )

Page 47 of 138

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 BPPDAN Phone No.: 334208 Ext.3163/3164 Fax No.: 3911432

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

:FIRE

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2001

15/12/2003

DATE

15/03/2004

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 102,566 102,566 75 87,539 190,105 150 91,074 281,179 250 44,647 325,826 400 42,093 367,919 625 18,766 386,685 875 13,482 400,167 1,250 9,048 409,215 1,750 5,030 414,245 2,250 2,629 416,874 2,750 2,035 418,909 3,500 2,385 421,294 4,500 1,516 422,810 6,250 1,744 424,554 8,750 1,108 425,662 15,000 1,442 427,104 35,000 843 427,947 75,000 275 428,222 300,000 211 428,433 39 428,472 428,472

BAND

23.9 20.4 21.3 10.4 9.8 4.4 3.2 2.1 1.2 0.6 0.5 0.6 0.4 0.4 0.3 0.3 0.2 0.1 0.1 0.0

CUM.

23.9 44.4 65.6 76.0 85.9 90.3 93.4 95.5 96.7 97.3 97.8 98.3 98.7 99.1 99.3 99.7 99.9 99.9 100.0 100.0

PERCENTAGE rp

24,477.1 20,993.6 38,802.1 33,934.2 50,468.4 33,920.9 35,494.0 34,751.8 26,052.7 18,000.4 16,252.8 22,624.0 18,327.5 26,205.0 23,009.1 48,902.7 49,943.8 27,197.1 37,540.9 55,989.8 642,887.7

24,477.1 45,470.7 84,272.8 118,207.0 168,675.4 202,596.2 238,090.3 272,842.1 298,894.7 316,895.1 333,147.9 355,771.8 374,099.3 400,304.2 423,313.4 472,216.1 522,159.9 549,357.0 586,897.9 642,887.7

BAND

3.8 3.3 6.0 5.3 7.9 5.3 5.5 5.4 4.1 2.8 2.5 3.5 2.9 4.1 3.6 7.6 7.8 4.2 5.8 8.7

CUM.

3.8 7.1 13.1 18.4 26.2 31.5 37.0 42.4 46.5 49.3 51.8 55.3 58.2 62.3 65.9 73.5 81.2 85.5 91.3 100.0

PERCENTAGE f

287 178 163 119 182 84 61 95 43 47 29 34 48 59 42 78 59 45 33 6 1,692

287 465 628 747 929 1,013 1,074 1,169 1,212 1,259 1,288 1,322 1,370 1,429 1,471 1,549 1,608 1,653 1,686 1,692

BAND

17.0 10.5 9.6 7.0 10.8 5.0 3.6 5.6 2.5 2.8 1.7 2.0 2.8 3.5 2.5 4.6 3.5 2.7 2.0 0.4

CUM.

PERCENTAGE rp

17.0 15,471.6 15,471.6 27.5 8,293.0 23,764.6 37.1 10,479.0 34,243.6 44.2 9,622.3 43,866.0 54.9 15,596.2 59,462.2 59.9 13,434.1 72,896.3 63.5 9,134.9 82,031.2 69.1 14,702.8 96,734.0 71.6 8,337.8 105,071.8 74.4 17,651.6 122,723.4 76.1 5,370.6 128,094.0 78.1 6,720.5 134,814.5 81.0 6,897.8 141,712.3 84.5 14,602.9 156,315.1 86.9 27,198.6 183,513.7 91.6 40,515.7 224,029.4 95.0 122,820.4 346,849.8 97.7 11,010.8 357,860.6 99.7 4,271.2 362,131.8 100.0 4,360.2 366,492.0

BAND

4.2 2.3 2.9 2.6 4.3 3.7 2.5 4.0 2.3 4.8 1.5 1.8 1.9 4.0 7.4 11.1 33.5 3.0 1.2 1.2

PERCENTAGE

CUM.

BAND

4.2 6.5 9.3 12.0 16.2 19.9 22.4 26.4 28.7 33.5 35.0 36.8 38.7 42.7 50.1 61.1 94.6 97.6 98.8 100.0

63.2 39.5 27.0 28.4 30.9 39.6 25.7 42.3 32.0 98.1 33.0 29.7 37.6 55.7 118.2 82.9 245.9 40.5 11.4 7.8

366,492.0

CUM

63.2 52.3 40.6 37.1 35.3 36.0 34.5 35.5 35.2 38.7 38.5 37.9 37.9 39.1 43.4 47.4 66.4 65.1 61.7 57.0 57.0

Page 48 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

:I.A.R

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM

01/01/2001

15/12/2003

DATE

15/03/2004

PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2,267 919 1,651 1,195 1,547 1,056 883 877 626 411 322 476 351 534 385 813 760 376 421 91 15,961

2,267 3,186 4,837 6,032 7,579 8,635 9,518 10,395 11,021 11,432 11,754 12,230 12,581 13,115 13,500 14,313 15,073 15,449 15,870 15,961

BAND

14.2 5.8 10.3 7.5 9.7 6.6 5.5 5.5 3.9 2.6 2.0 3.0 2.2 3.4 2.4 5.1 4.8 2.4 2.6 0.6

CUM.

14.2 20.0 30.3 37.8 47.5 54.1 59.6 65.1 69.1 71.6 73.6 76.6 78.8 82.2 84.6 89.7 94.4 96.8 99.4 100.0

PERCENTAGE rp

11,183.0 1,441.3 1,062.9 926.7 2,150.4 1,821.5 2,796.1 2,954.1 2,577.2 2,043.4 2,116.6 3,883.3 3,955.8 7,374.0 7,298.5 22,264.7 42,289.0 37,290.6 96,990.3 69,399.7 321,819.0

11,183.0 12,624.4 13,687.3 14,613.9 16,764.3 18,585.9 21,381.9 24,336.1 26,913.2 28,956.6 31,073.2 34,956.5 38,912.3 46,286.3 53,584.8 75,849.5 118,138.5 155,429.1 252,419.4 321,819.0

BAND

3.5 0.5 0.3 0.3 0.7 0.6 0.9 0.9 0.8 0.6 0.7 1.2 1.2 2.3 2.3 6.9 13.1 11.6 30.1 21.6

CUM.

3.5 3.9 4.3 4.5 5.2 5.8 6.6 7.6 8.4 9.0 9.7 10.9 12.1 14.4 16.7 23.6 36.7 48.3 78.4 100.0

PERCENTAGE f

35 11 24 22 26 16 31 22 18 10 13 25 28 35 49 95 138 79 181 257 1,115

35 46 70 92 118 134 165 187 205 215 228 253 281 316 365 460 598 677 858 1,115

BAND

3.1 1.0 2.2 2.0 2.3 1.4 2.8 2.0 1.6 0.9 1.2 2.2 2.5 3.1 4.4 8.5 12.4 7.1 16.2 23.1

CUM.

3.1 4.1 6.3 8.3 10.6 12.0 14.8 16.8 18.4 19.3 20.5 22.7 25.2 28.3 32.7 41.3 53.6 60.7 77.0 100.0

PERCENTAGE rp

28,319.0 79.5 117.3 369.7 328.6 286.6 2,381.6 5,647.4 350.7 73.4 343.3 4,951.9 6,231.5 3,016.6 4,081.8 13,988.2 37,082.5 25,369.4 23,206.9 19,117.8 175,343.9

28,319.0 28,398.5 28,515.8 28,885.5 29,214.2 29,500.8 31,882.4 37,529.8 37,880.4 37,953.8 38,297.1 43,249.1 49,480.6 52,497.2 56,579.0 70,567.2 107,649.7 133,019.1 156,226.0 175,343.9

BAND

16.2 0.1 0.1 0.2 0.2 0.2 1.4 3.2 0.2 0.0 0.2 2.8 3.6 1.7 2.3 8.0 21.2 14.5 13.2 10.9

CUM.

16.2 16.2 16.3 16.5 16.7 16.8 18.2 21.4 21.6 21.7 21.8 24.7 28.2 29.9 32.3 40.3 61.4 75.9 89.1 100.0

PERCENTAGE BAND

253.2 5.5 11.0 39.9 15.3 15.7 85.2 191.2 13.6 3.6 16.2 127.5 157.5 40.9 55.9 62.8 87.7 68.0 23.9 27.6

CUM

253.2 225.0 208.3 197.7 174.3 158.7 149.1 154.2 140.8 131.1 123.3 123.7 127.2 113.4 105.6 93.0 91.1 85.6 61.9 54.5 54.5

Page 49 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

:L.O.P

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM

01/01/2001

15/12/2003

DATE

15/03/2004

PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

13 7 7 3 5 21 14 31 21 16 7 9 8 13 26 38 45 22 22 0 328

13 20 27 30 35 56 70 101 122 138 145 154 162 175 201 239 284 306 328 328

BAND

4.0 2.1 2.1 0.9 1.5 6.4 4.3 9.5 6.4 4.9 2.1 2.7 2.4 4.0 7.9 11.6 13.7 6.7 6.7 0.0

CUM.

PERCENTAGE rp

4.0 194.7 194.7 6.1 2.4 197.1 8.2 6.4 203.4 9.2 1.8 205.2 10.7 5.8 211.0 17.1 38.0 249.0 21.3 30.5 279.6 30.8 94.7 374.3 37.2 86.2 460.4 42.1 100.5 561.0 44.2 22.8 583.7 47.0 56.0 639.7 49.4 61.1 700.8 53.4 158.1 858.9 61.3 321.9 1,180.8 72.9 844.8 2,025.7 86.6 2,145.7 4,171.4 93.3 830.7 5,002.1 100.0 1,234.3 6,236.3 100.0 0.0 6,236.3 6,236.3

BAND

3.1 0.0 0.1 0.0 0.1 0.6 0.5 1.5 1.4 1.6 0.4 0.9 1.0 2.5 5.2 13.6 34.4 13.3 19.8 0.0

CUM.

3.1 3.2 3.3 3.3 3.4 4.0 4.5 6.0 7.4 9.0 9.4 10.3 11.2 13.8 18.9 32.5 66.9 80.2 100.0 100.0

PERCENTAGE f

0 0 0 0 0 0 0 1 0 0 0 0 0 0 1 5 0 0 0 0 7

BAND

0 0 0 0 0 0 0 1 1 1 1 1 1 1 2 7 7 7 7 7

0.0 0.0 0.0 0.0 0.0 0.0 0.0 14.3 0.0 0.0 0.0 0.0 0.0 0.0 14.3 71.4 0.0 0.0 0.0 0.0

CUM.

0.0 0.0 0.0 0.0 0.0 0.0 0.0 14.3 14.3 14.3 14.3 14.3 14.3 14.3 28.6 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

0.0 0.0 0.0 0.0 0.0 0.0 0.0 49.3 0.0 0.0 0.0 0.0 0.0 0.0 5.7 240.2 0.0 0.0 0.0 0.0 295.2

0.0 0.0 0.0 0.0 0.0 0.0 0.0 49.3 49.3 49.3 49.3 49.3 49.3 49.3 55.0 295.2 295.2 295.2 295.2 295.2

BAND

0.0 0.0 0.0 0.0 0.0 0.0 0.0 16.7 0.0 0.0 0.0 0.0 0.0 0.0 1.9 81.4 0.0 0.0 0.0 0.0

CUM.

0.0 0.0 0.0 0.0 0.0 0.0 0.0 16.7 16.7 16.7 16.7 16.7 16.7 16.7 18.6 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

0.0 0.0 0.0 0.0 0.0 0.0 0.0 52.0 0.0 0.0 0.0 0.0 0.0 0.0 1.8 28.4 0.0 0.0 0.0 0.0

CUM

0.0 0.0 0.0 0.0 0.0 0.0 0.0 13.2 10.7 8.8 8.4 7.7 7.0 5.7 4.7 14.6 7.1 5.9 4.7 4.7 4.7

Page 50 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: Earthquake

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: All Code

SUM INSURED BAND

01/01/2001

15/12/2003

DATE

15/03/2004

PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

DATA POSITION FROM

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

560 393 719 599 630 425 332 308 216 160 113 139 99 139 102 175 136 62 69 6 5,382

560 953 1,672 2,271 2,901 3,326 3,658 3,966 4,182 4,342 4,455 4,594 4,693 4,832 4,934 5,109 5,245 5,307 5,376 5,382

BAND

10.4 7.3 13.4 11.1 11.7 7.9 6.2 5.7 4.0 3.0 2.1 2.6 1.8 2.6 1.9 3.3 2.5 1.2 1.3 0.1

CUM.

10.4 17.7 31.1 42.2 53.9 61.8 68.0 73.7 77.7 80.7 82.8 85.4 87.2 89.8 91.7 94.9 97.5 98.6 99.9 100.0

PERCENTAGE rp

133.2 133.2 33.3 166.5 101.9 268.4 138.8 407.2 189.2 596.4 203.3 799.7 249.0 1,048.7 314.3 1,363.0 274.5 1,637.5 266.3 1,903.8 183.4 2,087.2 248.5 2,335.7 255.6 2,591.3 398.5 2,989.9 464.8 3,454.7 1,024.0 4,478.7 1,606.4 6,085.1 1,218.6 7,303.7 2,299.6 9,603.3 2,684.4 12,287.7 12,287.7

BAND

1.1 0.3 0.8 1.1 1.5 1.7 2.0 2.6 2.2 2.2 1.5 2.0 2.1 3.2 3.8 8.3 13.1 9.9 18.7 21.9

CUM.

1.1 1.4 2.2 3.3 4.9 6.5 8.5 11.1 13.3 15.5 17.0 19.0 21.1 24.3 28.1 36.5 49.5 59.4 78.2 100.0

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

BAND

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

PERCENTAGE rp

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

BAND

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

PERCENTAGE

CUM.

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

BAND

CUM

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Page 51 of 138

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 BPPDAN Phone No.: 334208 Ext.3163/3164 Fax No.: 3911432

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 20

DATA POSITION FROM : TO PROCESSING

01/01/2001

15/12/2003

DATE :

15/03/2004

Mining, Driling Instalation, Salt Mines, Peat Extraction, Metalurgical Plants

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

39 14 26 15 26 9 16 9 9 9 11 8 13 7 5 16 11 7 11 5 266

39 53 79 94 120 129 145 154 163 172 183 191 204 211 216 232 243 250 261 266

BAND

14.7 5.3 9.8 5.6 9.8 3.4 6.0 3.4 3.4 3.4 4.1 3.0 4.9 2.6 1.9 6.0 4.1 2.6 4.1 1.9

CUM.

PERCENTAGE rp

14.7 59.2 19.9 3.8 29.7 9.7 35.3 6.8 45.1 40.1 48.5 11.4 54.5 38.0 57.9 18.7 61.3 39.1 64.7 51.8 68.8 47.6 71.8 47.1 76.7 106.4 79.3 72.0 81.2 140.5 87.2 496.6 91.4 1,003.8 94.0 544.3 98.1 1,473.9 100.0 34,398.4 38,490.8

59.2 55.4 45.7 38.9 1.2 12.7 50.7 69.4 108.4 160.2 207.8 254.9 361.3 433.4 573.8 1070.4 2074.2 2618.5 4092.4 38490.8

BAND

0.2 0.0 0.0 0.0 0.1 0.0 0.1 0.1 0.1 0.1 0.1 0.1 0.3 0.2 0.4 1.3 2.6 1.4 3.8 89.4

CUM.

0.2 0.1 0.1 0.1 0.0 0.0 0.1 0.2 0.3 0.4 0.5 0.7 0.9 1.1 1.5 2.8 5.4 6.8 10.6 100.0

PERCENTAGE f

0 0 0 0 0 0 1 0 0 0 0 0 1 2 0 2 0 1 0 0 7

BAND

0 0 0 0 0 0 1 1 1 1 1 1 2 4 4 6 6 7 7 7

0.0 0.0 0.0 0.0 0.0 0.0 14.3 0.0 0.0 0.0 0.0 0.0 14.3 28.6 0.0 28.6 0.0 14.3 0.0 0.0

CUM.

0.0 0.0 0.0 0.0 0.0 0.0 14.3 14.3 14.3 14.3 14.3 14.3 28.6 57.1 57.1 85.7 85.7 100.0 100.0 100.0

PERCENTAGE rp

0.0 0.0 0.0 0.0 0.0 0.0 19.8 0.0 0.0 0.0 0.0 0.0 29.3 98.2 0.0 27.0 0.0 397.7 0.0 0.0 572.0

0.0 0.0 0.0 0.0 0.0 0.0 19.8 19.8 19.8 19.8 19.8 19.8 49.1 147.3 147.3 174.3 174.3 572.0 572.0 572.0

BAND

0.0 0.0 0.0 0.0 0.0 0.0 3.5 0.0 0.0 0.0 0.0 0.0 5.1 17.2 0.0 4.7 0.0 69.5 0.0 0.0

CUM.

0.0 0.0 0.0 0.0 0.0 0.0 3.5 3.5 3.5 3.5 3.5 3.5 8.6 25.8 25.8 30.5 30.5 100.0 100.0 100.0

PERCENTAGE BAND

0.0 0.0 0.0 0.0 0.0 0.0 52.0 0.0 0.0 0.0 0.0 0.0 27.6 136.3 0.0 5.4 0.0 73.1 0.0 0.0

CUM

0.0 0.0 0.0 0.0 0.0 0.0 39.0 28.5 18.2 12.4 9.5 7.8 13.6 34.0 25.7 16.3 8.4 21.9 14.0 1.5 1.5

Page 52 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2001

15/12/2003

DATE

15/03/2004

Stone,Earth,(Animal) Bons or Shells

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

129 57 71 44 55 42 32 35 36 20 21 17 18 31 15 37 50 20 30 7 767

129 186 257 301 356 398 430 465 501 521 542 559 577 608 623 660 710 730 760 767

BAND

16.8 7.4 9.3 5.7 7.2 5.5 4.2 4.6 4.7 2.6 2.7 2.2 2.4 4.0 2.0 4.8 6.5 2.6 3.9 0.9

CUM.

16.8 24.3 33.5 39.2 46.4 51.9 56.1 60.6 65.3 67.9 70.7 72.9 75.2 79.3 81.2 86.1 92.6 95.2 99.1 100.0

PERCENTAGE rp

263.4 263.4 8.5 271.8 44.6 316.5 39.0 355.5 109.9 465.4 60.6 526.0 42.7 568.7 82.6 651.3 90.1 741.3 81.9 823.2 79.6 902.8 69.7 972.5 116.4 1,088.9 251.3 1,340.2 167.9 1,508.1 649.1 2,157.2 2,255.5 4,412.7 838.2 5,250.9 6,138.0 11,388.9 2,399.4 13,788.3 13,788.3

BAND

1.9 0.1 0.3 0.3 0.8 0.4 0.3 0.6 0.7 0.6 0.6 0.5 0.8 1.8 1.2 4.7 16.4 6.1 44.5 17.4

CUM.

1.9 2.0 2.3 2.6 3.4 3.8 4.1 4.7 5.4 6.0 6.6 7.1 7.9 9.7 10.9 15.7 32.0 38.1 82.6 100.0

PERCENTAGE f

0 1 0 0 0 2 0 0 0 0 1 0 0 1 0 2 1 4 11 2 25

0 1 1 1 1 3 3 3 3 3 4 4 4 5 5 7 8 12 23 25

BAND

0.0 4.0 0.0 0.0 0.0 8.0 0.0 0.0 0.0 0.0 4.0 0.0 0.0 4.0 0.0 8.0 4.0 16.0 44.0 8.0

CUM.

PERCENTAGE rp

0.0 0.0 0.0 4.0 7.3 7.3 4.0 0.0 7.3 4.0 0.0 7.3 4.0 0.0 7.3 12.0 115.5 122.9 12.0 0.0 122.9 12.0 0.0 122.9 12.0 0.0 122.9 12.0 0.0 122.9 16.0 0.0 122.9 16.0 0.0 122.9 16.0 0.0 122.9 20.0 17.7 140.6 20.0 0.0 140.6 28.0 221.5 362.1 32.0 0.8 362.8 48.0 574.4 937.2 92.0 2,489.3 3,426.5 100.0 1,024.1 4,450.6 4,450.6

BAND

0.0 0.2 0.0 0.0 0.0 2.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.4 0.0 5.0 0.0 12.9 55.9 23.0

CUM.

0.0 0.2 0.2 0.2 0.2 2.8 2.8 2.8 2.8 2.8 2.8 2.8 2.8 3.2 3.2 8.1 8.2 21.1 77.0 100.0

PERCENTAGE BAND

0.0 86.5 0.0 0.0 0.0 190.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 7.1 0.0 34.1 0.0 68.5 40.6 42.7

CUM

0.0 2.7 2.3 2.1 1.6 23.4 21.6 18.9 16.6 14.9 13.6 12.6 11.3 10.5 9.3 16.8 8.2 17.9 30.1 32.3 32.3

Page 53 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2001

15/12/2003

DATE

15/03/2004

Metals

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

288 280 375 199 313 273 255 231 176 120 108 180 156 161 125 284 262 116 147 29 4,078

288 568 943 1,142 1,455 1,728 1,983 2,214 2,390 2,510 2,618 2,798 2,954 3,115 3,240 3,524 3,786 3,902 4,049 4,078

BAND

7.1 6.9 9.2 4.9 7.7 6.7 6.3 5.7 4.3 2.9 2.7 4.4 3.8 4.0 3.1 7.0 6.4 2.8 3.6 0.7

CUM.

PERCENTAGE rp

7.1 416.8 416.8 13.9 68.1 484.9 23.1 150.2 635.1 28.0 115.0 750.1 35.7 303.4 1,053.5 42.4 332.0 1,385.5 48.6 383.9 1,769.4 54.3 601.0 2,370.4 58.6 447.4 2,817.8 61.6 376.4 3,194.3 64.2 467.9 3,662.1 68.6 873.2 4,535.3 72.4 1,127.2 5,662.5 76.4 1,429.0 7,091.5 79.5 1,461.3 8,552.8 86.4 5,605.0 14,157.8 92.8 9,610.5 23,768.3 95.7 8,977.8 32,746.0 99.3 23,768.5 56,514.6 100.0 8,912.4 65,427.0 65,427.0

BAND

0.6 0.1 0.2 0.2 0.5 0.5 0.6 0.9 0.7 0.6 0.7 1.3 1.7 2.2 2.2 8.6 14.7 13.7 36.3 13.6

CUM.

0.6 0.7 1.0 1.2 1.6 2.1 2.7 3.6 4.3 4.9 5.6 6.9 8.7 10.8 13.1 21.6 36.3 50.1 86.4 100.0

PERCENTAGE f

0 0 1 0 1 4 5 1 1 0 2 3 5 6 5 21 24 13 17 23 132

0 0 1 1 2 6 11 12 13 13 15 18 23 29 34 55 79 92 109 132

BAND

0.0 0.0 0.8 0.0 0.8 3.0 3.8 0.8 0.8 0.0 1.5 2.3 3.8 4.6 3.8 15.9 18.2 9.9 12.9 17.4

CUM.

0.0 0.0 0.8 0.8 1.5 4.6 8.3 9.1 9.9 9.9 11.4 13.6 17.4 22.0 25.8 41.7 59.9 69.7 82.6 100.0

PERCENTAGE rp

0.0 0.0 215.3 0.0 0.7 1,068.2 344.6 31.9 14.4 0.0 33.2 157.9 314.8 102.5 7,594.8 1,017.8 24,642.1 11,045.8 1,528.4 2,500.6 50,613.2

0.0 0.0 215.3 215.3 216.0 1,284.3 1,628.8 1,660.7 1,675.1 1,675.1 1,708.3 1,866.2 2,181.0 2,283.6 9,878.4 10,896.2 35,538.3 46,584.1 48,112.6 50,613.2

BAND

0.0 0.0 0.4 0.0 0.0 2.1 0.7 0.1 0.0 0.0 0.1 0.3 0.6 0.2 15.0 2.0 48.7 21.8 3.0 4.9

CUM.

0.0 0.0 0.4 0.4 0.4 2.5 3.2 3.3 3.3 3.3 3.4 3.7 4.3 4.5 19.5 21.5 70.2 92.0 95.1 100.0

PERCENTAGE BAND

0.0 0.0 143.4 0.0 0.2 321.8 89.8 5.3 3.2 0.0 7.1 18.1 27.9 7.2 519.7 18.2 256.4 123.0 6.4 28.1

CUM

0.0 0.0 33.9 28.7 20.5 92.7 92.1 70.1 59.5 52.4 46.7 41.2 38.5 32.2 115.5 77.0 149.5 142.3 85.1 77.4 77.4

Page 54 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2001

15/12/2003

DATE

15/03/2004

Chemical / Oils / Gas

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

226 179 268 208 364 348 337 350 279 204 150 232 122 238 142 218 193 106 77 17 4,258

226 405 673 881 1,245 1,593 1,930 2,280 2,559 2,763 2,913 3,145 3,267 3,505 3,647 3,865 4,058 4,164 4,241 4,258

BAND

5.3 4.2 6.3 4.9 8.6 8.2 7.9 8.2 6.6 4.8 3.5 5.5 2.9 5.6 3.3 5.1 4.5 2.5 1.8 0.4

CUM.

5.3 9.5 15.8 20.7 29.2 37.4 45.3 53.6 60.1 64.9 68.4 73.9 76.7 82.3 85.7 90.8 95.3 97.8 99.6 100.0

PERCENTAGE rp

5,156.2 100.2 212.2 223.3 663.3 792.5 1,101.3 1,359.2 1,608.5 1,337.7 1,044.8 1,931.7 1,422.5 3,301.8 2,905.6 6,631.1 11,201.9 10,809.6 20,875.3 23,513.2

5,156.2 5,256.4 5,468.6 5,691.9 6,355.2 7,147.6 8,248.9 9,608.2 11,216.6 12,554.4 13,599.1 15,530.9 16,953.3 20,255.1 23,160.8 29,791.9 40,993.8 51,803.4 72,678.7 96,191.9

96,191.9

BAND

5.4 0.1 0.2 0.2 0.7 0.8 1.1 1.4 1.7 1.4 1.1 2.0 1.5 3.4 3.0 6.9 11.7 11.2 21.7 24.4

CUM.

5.4 5.5 5.7 5.9 6.6 7.4 8.6 10.0 11.7 13.1 14.1 16.2 17.6 21.1 24.1 31.0 42.6 53.9 75.6 100.0

PERCENTAGE f

9 0 1 5 3 2 3 14 13 8 3 5 2 12 4 16 8 8 20 5 141

9 9 10 15 18 20 23 37 50 58 61 66 68 80 84 100 108 116 136 141

BAND

6.4 0.0 0.7 3.6 2.1 1.4 2.1 9.9 9.2 5.7 2.1 3.6 1.4 8.5 2.8 11.4 5.7 5.7 14.2 3.6

CUM.

6.4 6.4 7.1 10.6 12.8 14.2 16.3 26.2 35.5 41.1 43.3 46.8 48.2 56.7 59.6 70.9 76.6 82.3 96.5 100.0

PERCENTAGE rp

3,173.8 0.0 0.2 473.8 1,111.0 24.1 2.1 7,622.1 2,204.5 5,081.2 311.3 560.4 0.0 1,954.8 93.7 8,722.9 93,880.0 736.2 1,361.7 4,441.8 131,755.5

3,173.8 3,173.8 3,173.9 3,647.7 4,758.7 4,782.9 4,785.0 12,407.1 14,611.6 19,692.8 20,004.1 20,564.5 20,564.5 22,519.2 22,613.0 31,335.8 125,215.9 125,952.0 127,313.7 131,755.5

BAND

2.4 0.0 0.0 0.4 0.8 0.0 0.0 5.8 1.7 3.9 0.2 0.4 0.0 1.5 0.1 6.6 71.3 0.6 1.0 3.4

PERCENTAGE

CUM.

BAND

2.4 2.4 2.4 2.8 3.6 3.6 3.6 9.4 11.1 15.0 15.2 15.6 15.6 17.1 17.2 23.8 95.0 95.6 96.6 100.0

61.6 0.0 0.1 212.2 167.5 3.1 0.2 560.8 137.1 379.8 29.8 29.0 0.0 59.2 3.2 131.5 838.1 6.8 6.5 18.9

CUM

61.6 60.4 58.0 64.1 74.9 66.9 58.0 129.1 130.3 156.9 147.1 132.4 121.3 111.2 97.6 105.2 305.5 243.1 175.2 137.0 137.0

Page 55 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2001

15/12/2003

DATE

15/03/2004

Textiles

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

920 931 1,353 853 1,138 708 528 480 335 201 169 205 152 238 166 294 216 105 106 23 9,121

920 1,851 3,204 4,057 5,195 5,903 6,431 6,911 7,246 7,447 7,616 7,821 7,973 8,211 8,377 8,671 8,887 8,992 9,098 9,121

BAND

10.1 10.2 14.8 9.4 12.5 7.8 5.8 5.3 3.7 2.2 1.9 2.3 1.7 2.6 1.8 3.2 2.4 1.2 1.2 0.3

CUM.

PERCENTAGE rp

10.1 2,041.6 2,041.6 20.3 372.5 2,414.1 35.1 965.8 3,379.8 44.5 972.0 4,351.8 57.0 1,884.2 6,236.0 64.7 1,722.5 7,958.5 70.5 1,766.7 9,725.2 75.8 2,017.0 11,742.2 79.4 2,139.1 13,881.2 81.7 1,274.0 15,155.2 83.5 1,300.0 16,455.2 85.8 2,345.8 18,801.0 87.4 2,015.7 20,816.8 90.0 3,875.7 24,692.5 91.8 4,248.2 28,940.7 95.1 8,612.1 37,552.8 97.4 11,808.4 49,361.2 98.6 11,184.7 60,545.9 99.8 20,356.3 80,902.2 100.0 7,278.9 88,181.1 88,181.1

BAND

2.3 0.4 1.1 1.1 2.1 2.0 2.0 2.3 2.4 1.4 1.5 2.7 2.3 4.4 4.8 9.8 13.4 12.7 23.1 8.3

CUM.

2.3 2.7 3.8 4.9 7.1 9.0 11.0 13.3 15.7 17.2 18.7 21.3 23.6 28.0 32.8 42.6 56.0 68.7 91.8 100.0

PERCENTAGE f

9 1 4 2 6 8 4 7 3 6 3 9 9 11 16 28 34 28 32 5 225

9 10 14 16 22 30 34 41 44 50 53 62 71 82 98 126 160 188 220 225

BAND

4.0 0.4 1.8 0.9 2.7 3.6 1.8 3.1 1.3 2.7 1.3 4.0 4.0 4.9 7.1 12.4 15.1 12.4 14.2 2.2

CUM.

PERCENTAGE rp

4.0 206.6 206.6 4.4 70.7 277.2 6.2 608.4 885.6 7.1 193.7 1,079.2 9.8 802.5 1,881.7 13.3 2,850.8 4,732.5 15.1 31.2 4,763.7 18.2 1,054.9 5,818.6 19.6 382.1 6,200.7 22.2 2,743.0 8,943.7 23.6 1,777.5 10,721.2 27.6 2,250.2 12,971.5 31.6 6,232.9 19,204.4 36.4 1,406.9 20,611.3 43.6 11,152.9 31,764.2 56.0 1,204.2 32,968.3 71.1 6,827.3 39,795.6 83.6 386.1 40,181.7 97.8 6,920.5 47,102.2 100.0 1,221.6 48,323.8 48,323.8

BAND

0.4 0.2 1.3 0.4 1.7 5.9 0.1 2.2 0.8 5.7 3.7 4.7 12.9 2.9 23.1 2.5 14.1 0.8 14.3 2.5

CUM.

0.4 0.6 1.8 2.2 3.9 9.8 9.9 12.0 12.8 18.5 22.2 26.8 39.7 42.7 65.7 68.2 82.4 83.2 97.5 100.0

PERCENTAGE BAND

10.1 19.0 63.0 19.9 42.6 165.5 1.8 52.3 17.9 215.3 136.7 95.9 309.2 36.3 262.5 14.0 57.8 3.5 34.0 16.8

CUM

10.1 11.5 26.2 24.8 30.2 59.5 49.0 49.6 44.7 59.0 65.2 69.0 92.3 83.5 109.8 87.8 80.6 66.4 58.2 54.8 54.8

Page 56 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2001

15/12/2003

DATE

15/03/2004

Paper, Leather, Rubber

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

469 477 678 449 597 387 324 330 208 143 138 171 117 144 97 200 116 41 32 8 5,126

469 946 1,624 2,073 2,670 3,057 3,381 3,711 3,919 4,062 4,200 4,371 4,488 4,632 4,729 4,929 5,045 5,086 5,118 5,126

BAND

9.2 9.3 13.2 8.8 11.7 7.6 6.3 6.4 4.1 2.8 2.7 3.3 2.3 2.8 1.9 3.9 2.3 0.8 0.6 0.2

CUM.

9.2 18.5 31.7 40.4 52.1 59.6 66.0 72.4 76.5 79.2 81.9 85.3 87.6 90.4 92.3 96.2 98.4 99.2 99.8 100.0

PERCENTAGE rp

1,273.2 219.9 680.6 555.0 1,115.2 1,116.6 1,116.6 1,825.8 1,291.3 1,146.6 1,295.3 1,889.2 1,927.5 2,616.3 2,479.4 6,894.1 9,413.0 5,522.5 7,708.4 8,358.6 58,445.4

1,273.2 1,493.2 2,173.8 2,728.8 3,844.1 4,960.7 6,077.3 7,903.1 9,194.5 10,341.0 11,636.3 13,525.5 15,453.0 18,069.3 20,548.6 27,442.7 36,855.8 42,378.3 50,086.7 58,445.4

BAND

2.2 0.4 1.2 1.0 1.9 1.9 1.9 3.1 2.2 2.0 2.2 3.2 3.3 4.5 4.2 11.8 16.1 9.5 13.2 14.3

CUM.

2.2 2.6 3.7 4.7 6.6 8.5 10.4 13.5 15.7 17.7 19.9 23.1 26.4 30.9 35.2 47.0 63.1 72.5 85.7 100.0

PERCENTAGE f

2 1 1 3 3 0 4 4 3 1 6 3 2 3 17 8 23 12 23 6 125

2 3 4 7 10 10 14 18 21 22 28 31 33 36 53 61 84 96 119 125

BAND

1.6 0.8 0.8 2.4 2.4 0.0 3.2 3.2 2.4 0.8 4.8 2.4 1.6 2.4 13.6 6.4 18.4 9.6 18.4 4.8

CUM.

PERCENTAGE rp

1.6 1,423.6 1,423.6 2.4 30.0 1,453.6 3.2 2.8 1,456.3 5.6 205.1 1,661.4 8.0 653.0 2,314.4 8.0 0.0 2,314.4 11.2 43.5 2,357.9 14.4 1,816.0 4,173.9 16.8 53.4 4,227.3 17.6 0.0 4,227.3 22.4 2,501.1 6,728.4 24.8 12.3 6,740.7 26.4 35.7 6,776.4 28.8 873.0 7,649.4 42.4 7,071.8 14,721.2 48.8 1,662.5 16,383.7 67.2 25,975.2 42,358.9 76.8 873.2 43,232.1 95.2 1,800.4 45,032.5 100.0 260.9 45,293.4

BAND

3.1 0.1 0.0 0.5 1.4 0.0 0.1 4.0 0.1 0.0 5.5 0.0 0.1 1.9 15.6 3.7 57.4 1.9 4.0 0.6

CUM.

3.1 3.2 3.2 3.7 5.1 5.1 5.2 9.2 9.3 9.3 14.9 14.9 15.0 16.9 32.5 36.2 93.5 95.5 99.4 100.0

PERCENTAGE BAND

111.8 13.6 0.4 37.0 58.6 0.0 3.9 99.5 4.1 0.0 193.1 0.7 1.9 33.4 285.2 24.1 276.0 15.8 23.4 3.1

CUM

111.8 97.4 67.0 60.9 60.2 46.7 38.8 52.8 46.0 40.9 57.8 49.8 43.9 42.3 71.6 59.7 114.9 102.0 89.9 77.5

45,293.4

77.5 Page 57 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 26

DATA POSITION FROM PROCESSING

01/01/2001

15/12/2003

DATE

15/03/2004

Wood, Bamboo and Rattan

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

744 412 437 308 394 262 293 272 193 110 109 134 102 129 87 162 92 32 28 9 4,309

744 1,156 1,593 1,901 2,295 2,557 2,850 3,122 3,315 3,425 3,534 3,668 3,770 3,899 3,986 4,148 4,240 4,272 4,300 4,309

BAND

17.3 9.6 10.1 7.2 9.1 6.1 6.8 6.3 4.5 2.6 2.5 3.1 2.4 3.0 2.0 3.8 2.1 0.7 0.7 0.2

CUM.

PERCENTAGE rp

17.3 3,208.2 3,208.2 26.8 323.5 3,531.6 37.0 672.4 4,204.1 44.1 699.0 4,903.0 53.3 1,730.6 6,633.6 59.3 1,348.8 7,982.5 66.1 1,835.9 9,818.4 72.5 2,249.2 12,067.5 76.9 2,235.1 14,302.6 79.5 1,643.6 15,946.2 82.0 2,073.1 18,019.3 85.1 3,094.2 21,113.5 87.5 2,772.0 23,885.5 90.5 4,082.3 27,967.8 92.5 3,417.8 31,385.6 96.3 10,184.5 41,570.1 98.4 9,572.1 51,142.2 99.1 4,658.9 55,801.1 99.8 16,429.6 72,230.7 100.0 17,728.1 89,958.8 89,958.8

BAND

3.6 0.4 0.8 0.8 1.9 1.5 2.0 2.5 2.5 1.8 2.3 3.4 3.1 4.5 3.8 11.3 10.6 5.2 18.3 19.7

CUM.

3.6 3.9 4.7 5.5 7.4 8.9 10.9 13.4 15.9 17.7 20.0 23.5 26.6 31.1 34.9 46.2 56.9 62.0 80.3 100.0

PERCENTAGE f

12 1 2 3 7 5 5 8 7 8 3 8 7 15 4 22 16 4 10 6 153

12 13 15 18 25 30 35 43 50 58 61 69 76 91 95 117 133 137 147 153

BAND

7.8 0.7 1.3 2.0 4.6 3.3 3.3 5.2 4.6 5.2 2.0 5.2 4.6 9.8 2.6 14.4 10.5 2.6 6.5 3.9

CUM.

PERCENTAGE rp

7.8 332.3 332.3 8.5 7.9 340.2 9.8 189.7 529.9 11.8 138.8 668.8 16.3 361.7 1,030.5 19.6 240.6 1,271.1 22.9 1,410.6 2,681.7 28.1 2,291.6 4,973.3 32.7 325.4 5,298.7 37.9 5,506.1 10,804.8 39.9 91.4 10,896.2 45.1 6,958.4 17,854.6 49.7 1,123.1 18,977.7 59.5 11,299.6 30,277.3 62.1 293.0 30,570.4 76.5 28,252.5 58,822.8 86.9 3,187.5 62,010.3 89.5 5,625.4 67,635.7 96.1 5,253.0 72,888.7 100.0 498.4 73,387.0

BAND

0.5 0.0 0.3 0.2 0.5 0.3 1.9 3.1 0.4 7.5 0.1 9.5 1.5 15.4 0.4 38.5 4.3 7.7 7.2 0.7

CUM.

0.5 0.5 0.7 0.9 1.4 1.7 3.7 6.8 7.2 14.7 14.9 24.3 25.9 41.3 41.7 80.2 84.5 92.2 99.3 100.0

PERCENTAGE BAND

10.4 2.4 28.2 19.9 20.9 17.8 76.8 101.9 14.6 335.0 4.4 224.9 40.5 276.8 8.6 277.4 33.3 120.7 32.0 2.8

CUM

10.4 9.6 12.6 13.6 15.5 15.9 27.3 41.2 37.1 67.8 60.5 84.6 79.5 108.3 97.4 141.5 121.3 121.2 100.9 81.6

73,387.0

81.6 Page 58 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

Nutritional, Drinks and Tobacco

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

1,662 867 924 561 658 404 348 353 242 171 102 168 114 178 116 208 185 63 50 6 7,380

1,662 2,529 3,453 4,014 4,672 5,076 5,424 5,777 6,019 6,190 6,292 6,460 6,574 6,752 6,868 7,076 7,261 7,324 7,374 7,380

BAND

22.5 11.8 12.5 7.6 8.9 5.5 4.7 4.8 3.3 2.3 1.4 2.3 1.5 2.4 1.6 2.8 2.5 0.9 0.7 0.1

CUM.

22.5 34.3 46.8 54.4 63.3 68.8 73.5 78.3 81.6 83.9 85.3 87.5 89.1 91.5 93.1 95.9 98.4 99.2 99.9 100.0

PERCENTAGE rp

2,583.8 1,497.6 554.4 452.0 766.4 822.6 841.4 1,156.6 1,042.7 781.7 585.4 1,243.7 991.8 2,056.4 1,837.7 4,922.9 10,637.1 6,158.6 11,271.7 1,274.0 51,478.6

2,583.8 4,081.4 4,635.8 5,087.8 5,854.2 6,676.8 7,518.2 8,674.7 9,717.4 10,499.2 11,084.6 12,328.3 13,320.1 15,376.4 17,214.2 22,137.1 32,774.2 38,932.8 50,204.5 51,478.6

BAND

5.0 2.9 1.1 0.9 1.5 1.6 1.6 2.3 2.0 1.5 1.1 2.4 1.9 4.0 3.6 9.6 20.7 12.0 21.9 2.5

CUM.

5.0 7.9 9.0 9.9 11.4 13.0 14.6 16.9 18.9 20.4 21.5 24.0 25.9 29.9 33.4 43.0 63.7 75.6 97.5 100.0

PERCENTAGE f

10 4 4 2 10 8 7 9 5 2 2 7 10 2 5 15 13 7 12 2 136

10 14 18 20 30 38 45 54 59 61 63 70 80 82 87 102 115 122 134 136

BAND

7.4 2.9 2.9 1.5 7.4 5.9 5.2 6.6 3.7 1.5 1.5 5.2 7.4 1.5 3.7 11.0 9.6 5.2 8.8 1.5

CUM.

PERCENTAGE rp

7.4 24,355.8 24,355.8 10.3 188.9 24,544.7 13.2 166.3 24,711.0 14.7 101.2 24,812.2 22.1 571.1 25,383.3 27.9 565.6 25,948.9 33.1 772.4 26,721.3 39.7 1,364.9 28,086.2 43.4 483.4 28,569.6 44.9 11.2 28,580.8 46.3 38.6 28,619.4 51.5 156.7 28,776.1 58.8 2,609.3 31,385.4 60.3 28.0 31,413.4 64.0 669.6 32,083.0 75.0 2,374.0 34,457.0 84.6 1,321.3 35,778.3 89.7 932.7 36,711.0 98.5 756.8 37,467.8 100.0 97.3 37,565.1

BAND

64.8 0.5 0.4 0.3 1.5 1.5 2.1 3.6 1.3 0.0 0.1 0.4 7.0 0.1 1.8 6.3 3.5 2.5 2.0 0.3

CUM.

64.8 65.3 65.8 66.1 67.6 69.1 71.1 74.8 76.1 76.1 76.2 76.6 83.6 83.6 85.4 91.7 95.2 97.7 99.7 100.0

PERCENTAGE BAND

942.6 12.6 30.0 22.4 74.5 68.8 91.8 118.0 46.4 1.4 6.6 12.6 263.1 1.4 36.4 48.2 12.4 15.1 6.7 7.6

CUM

942.6 601.4 533.1 487.7 433.6 388.6 355.4 323.8 294.0 272.2 258.2 233.4 235.6 204.3 186.4 155.7 109.2 94.3 74.6 73.0

37,565.1

73.0 Page 59 0f 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 28

DATA POSITION FROM

01/01/2001

15/12/2003

DATE

15/03/2004

PROCESSING

Power and Heating

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

7 5 8 3 7 6 9 3 4 5 3 4 5 6 3 11 10 1 1 0 101

7 12 20 23 30 36 45 48 52 57 60 64 69 75 78 89 99 100 101 101

BAND

6.9 5.0 7.9 3.0 6.9 5.9 8.9 3.0 4.0 5.0 3.0 4.0 5.0 5.9 3.0 10.9 9.9 1.0 1.0 0.0

CUM.

6.9 11.9 19.8 22.8 29.7 35.6 44.6 47.5 51.5 56.4 59.4 63.4 68.3 74.3 77.2 88.1 98.0 99.0 100.0 100.0

PERCENTAGE rp

24.6 24.6 0.6 25.2 2.2 27.3 1.0 28.4 7.2 35.6 9.5 45.1 22.3 67.4 3.2 70.5 29.3 99.9 17.9 117.7 10.8 128.5 30.2 158.7 43.5 202.2 44.3 246.5 31.4 277.9 191.1 469.0 211.3 680.3 148.0 828.3 190.4 1,018.7 0.0 1,018.7 1,018.7

BAND

2.4 0.1 0.2 0.1 0.7 0.9 2.2 0.3 2.9 1.8 1.1 3.0 4.3 4.3 3.1 18.8 20.8 14.5 18.7 0.0

CUM.

2.4 2.5 2.7 2.8 3.5 4.4 6.6 6.9 9.8 11.6 12.6 15.6 19.9 24.2 27.3 46.0 66.8 81.3 100.0 100.0

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 2 0 0 0 0 0 0 0 0 0 2

BAND

0 0 0 0 0 0 0 0 0 0 2 2 2 2 2 2 2 2 2 2

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 24.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 24.6

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 24.6 24.6 24.6 24.6 24.6 24.6 24.6 24.6 24.6 24.6

BAND

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 227.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 19.1 15.5 12.2 10.0 8.9 5.2 3.6 3.0 2.4 2.4 2.4

Page 60 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 29

01/01/2001

15/12/2003

DATE

15/03/2004

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

100,474 85,317 89,201 43,741 40,612 17,768 12,509 8,154 4,366 2,208 1,642 1,867 1,144 1,255 828 966 576 233 239 31 413,131

100,474 185,791 274,992 318,733 359,345 377,113 389,622 397,776 402,142 404,350 405,992 407,859 409,003 410,258 411,086 412,052 412,628 412,861 413,100 413,131

BAND

24.3 20.7 21.6 10.6 9.8 4.3 3.0 2.0 1.1 0.5 0.4 0.5 0.3 0.3 0.2 0.2 0.1 0.1 0.1 0.0

CUM.

24.3 45.0 66.6 77.2 87.0 91.3 94.3 96.3 97.3 97.9 98.3 98.7 99.0 99.3 99.5 99.7 99.9 99.9 100.0 100.0

PERCENTAGE rp

19,601.1 19,469.8 36,419.9 30,239.7 45,767.4 29,510.8 31,072.1 27,708.9 19,797.2 12,781.9 11,308.2 14,879.6 11,473.0 14,143.4 11,914.7 22,739.3 23,564.5 15,786.3 29,164.6 24,037.8 451,380.2

19,601.1 39,070.9 75,490.8 105,730.5 151,498.0 181,008.7 212,080.8 239,789.7 259,586.9 272,368.8 283,677.0 298,556.6 310,029.6 324,173.0 336,087.7 358,827.0 382,391.5 398,177.8 427,342.4 451,380.2

BAND

4.3 4.3 8.1 6.7 10.1 6.5 6.9 6.1 4.4 2.8 2.5 3.3 2.5 3.1 2.6 5.0 5.2 3.5 6.5 5.3

PERCENTAGE

CUM.

4.3 8.7 16.7 23.4 33.6 40.1 47.0 53.1 57.5 60.3 62.9 66.1 68.7 71.8 74.5 79.5 84.7 88.2 94.7 100.0

187 175 162 108 124 67 62 53 29 19 19 24 29 32 33 51 72 46 87 213 1,592

187 362 524 632 756 823 885 938 967 986 1,005 1,029 1,058 1,090 1,123 1,174 1,246 1,292 1,379 1,592

BAND

11.8 11.0 10.2 6.8 7.8 4.2 3.9 3.3 1.8 1.2 1.2 1.5 1.8 2.0 2.1 3.2 4.5 2.9 5.5 13.4

CUM.

11.8 22.7 32.9 39.7 47.5 51.7 55.6 58.9 60.7 61.9 63.1 64.6 66.5 68.5 70.5 73.7 78.3 81.2 86.6 100.0

12,591.9 8,019.7 9,249.7 8,537.5 11,400.1 8,801.8 8,883.7 3,872.5 5,225.1 3,319.0 908.5 1,576.5 2,533.2 1,404.2 4,070.0 10,437.5 3,966.7 15,779.2 7,285.8 13,233.4 141,095.9

12,591.9 20,611.7 29,861.4 38,398.9 49,799.0 58,600.8 67,484.5 71,357.0 76,582.0 79,901.1 80,809.5 82,386.0 84,919.3 86,323.5 90,393.4 100,830.9 104,797.6 120,576.7 127,862.5 141,095.9

PERCENTAGE

BAND

CUM.

8.9 8.9 5.7 14.6 6.6 21.2 6.1 27.2 8.1 35.3 6.2 41.5 6.3 47.8 2.7 50.6 3.7 54.3 2.4 56.6 0.6 57.3 1.1 58.4 1.8 60.2 1.0 61.2 2.9 64.1 7.4 71.5 2.8 74.3 11.2 85.5 5.2 90.6 9.4 100.0

64.2 41.2 25.4 28.2 24.9 29.8 28.6 14.0 26.4 26.0 8.0 10.6 22.1 9.9 34.2 45.9 16.8 100.0 25.0 55.1

CUM

64.2 52.8 39.6 36.3 32.9 32.4 31.8 29.8 29.5 29.3 28.5 27.6 27.4 26.6 26.9 28.1 27.4 30.3 29.9 31.3 31.3

Page 61 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 30

DATA POSITION FROM

01/01/2001

15/12/2003

DATE

15/03/2004

PROCESSING

Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

14 19 27 21 16 29 13 13 14 9 8 7 6 10 5 6 7 3 0 0 227

14 33 60 81 97 126 139 152 166 175 183 190 196 206 211 217 224 227 227 227

BAND

6.2 8.4 11.9 9.3 7.1 12.8 5.7 5.7 6.2 4.0 3.5 3.1 2.6 4.4 2.2 2.6 3.1 1.3 0.0 0.0

CUM.

PERCENTAGE rp

6.2 5.9 5.9 14.5 13.9 19.8 26.4 24.3 44.2 35.7 43.4 87.6 42.7 62.0 149.6 55.5 105.0 254.6 61.2 85.1 339.7 67.0 125.7 465.4 73.1 91.9 557.3 77.1 300.4 857.7 80.6 105.7 963.3 83.7 94.7 1,058.0 86.3 187.2 1,245.2 90.8 245.5 1,490.7 93.0 199.4 1,690.1 95.6 454.8 2,144.9 98.7 1,123.0 3,267.9 100.0 763.1 4,030.9 100.0 0.0 4,030.9 100.0 0.0 4,030.9 4,030.9

BAND

0.2 0.4 0.6 1.1 1.5 2.6 2.1 3.1 2.3 7.5 2.6 2.4 4.6 6.1 5.0 11.3 27.9 18.9 0.0 0.0

CUM.

0.2 0.5 1.1 2.2 3.7 6.3 8.4 11.6 13.8 21.3 23.9 26.3 30.9 37.0 41.9 53.2 81.1 100.0 100.0 100.0

PERCENTAGE f

0 0 0 0 0 0 0 0 0 2 1 0 0 0 1 0 1 0 0 0 5

BAND

0 0 0 0 0 0 0 0 0 2 3 3 3 3 4 4 5 5 5 5

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 40.0 20.0 0.0 0.0 0.0 20.0 0.0 20.0 0.0 0.0 0.0

CUM.

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 40.0 60.0 60.0 60.0 60.0 80.0 80.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 460.5 27.7 0.0 0.0 0.0 104.4 0.0 9.7 0.0 0.0 0.0 602.3

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 460.5 488.3 488.3 488.3 488.3 592.6 592.6 602.3 602.3 602.3 602.3

BAND

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 76.5 4.6 0.0 0.0 0.0 17.3 0.0 1.6 0.0 0.0 0.0

CUM.

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 76.5 81.1 81.1 81.1 81.1 98.4 98.4 100.0 100.0 100.0 100.0

PERCENTAGE BAND

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 153.3 26.3 0.0 0.0 0.0 52.4 0.0 0.9 0.0 0.0 0.0

CUM

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 53.7 50.7 46.2 39.2 32.8 35.1 27.6 18.4 14.9 14.9 14.9 14.9

Page 62 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2001

15/12/2003

DATE

15/03/2004

Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

368 275 63 36 78 29 29 29 22 10 14 12 7 18 15 46 46 3 0 0 1,100

368 643 706 742 820 849 878 907 929 939 953 965 972 990 1,005 1,051 1,097 1,100 1,100 1,100

BAND

33.5 25.0 5.7 3.3 7.1 2.6 2.6 2.6 2.0 0.9 1.3 1.1 0.6 1.6 1.4 4.2 4.2 0.3 0.0 0.0

CUM.

33.5 58.5 64.2 67.5 74.6 77.2 79.8 82.5 84.5 85.4 86.6 87.7 88.4 90.0 91.4 95.6 99.7 100.0 100.0 100.0

PERCENTAGE rp

1,443.7 366.8 195.5 1,649.8 340.1 146.0 189.3 952.2 137.1 574.1 237.9 202.3 122.3 1,751.6 1,939.7 5,171.7 3,885.2 342.4 0.0 0.0 19,647.7

1,443.7 1,810.5 2,006.0 3,655.8 3,995.9 4,141.9 4,331.3 5,283.5 5,420.6 5,994.6 6,232.5 6,434.8 6,557.1 8,308.7 10,248.4 15,420.1 19,305.3 19,647.7 19,647.7 19,647.7

BAND

7.4 1.9 1.0 8.4 1.7 0.7 1.0 4.9 0.7 2.9 1.2 1.0 0.6 8.9 9.9 26.3 19.8 1.7 0.0 0.0

CUM.

7.4 9.2 10.2 18.6 20.3 21.1 22.0 26.9 27.6 30.5 31.7 32.8 33.4 42.3 52.2 78.5 98.3 100.0 100.0 100.0

PERCENTAGE f

89 3 12 18 54 4 1 22 0 11 0 0 0 7 4 13 4 1 0 0 243

89 92 104 122 176 180 181 203 203 214 214 214 214 221 225 238 242 243 243 243

BAND

36.6 1.2 4.9 7.4 22.2 1.7 0.4 9.1 0.0 4.5 0.0 0.0 0.0 2.9 1.7 5.4 1.7 0.4 0.0 0.0

CUM.

PERCENTAGE rp

36.6 1,673.4 37.9 37.5 42.8 163.9 50.2 341.9 72.4 1,024.9 74.1 53.9 74.5 8.8 83.5 2,345.6 83.5 0.0 88.1 604.0 88.1 0.0 88.1 0.0 88.1 0.0 91.0 388.9 92.6 205.0 97.9 824.5 99.6 71.0 100.0 29.6 100.0 0.0 100.0 0.0 7,772.9

1,673.4 1,710.9 1,874.8 2,216.7 3,241.6 3,295.5 3,304.3 5,649.9 5,649.9 6,253.9 6,253.9 6,253.9 6,253.9 6,642.8 6,847.8 7,672.3 7,743.3 7,772.9 7,772.9 7,772.9

BAND

21.5 0.5 2.1 4.4 13.2 0.7 0.1 30.2 0.0 7.8 0.0 0.0 0.0 5.0 2.6 10.6 0.9 0.4 0.0 0.0

CUM.

21.5 22.0 24.1 28.5 41.7 42.4 42.5 72.7 72.7 80.5 80.5 80.5 80.5 85.5 88.1 98.7 99.6 100.0 100.0 100.0

PERCENTAGE BAND

115.9 10.2 83.8 20.7 301.3 36.9 4.7 246.3 0.0 105.2 0.0 0.0 0.0 22.2 10.6 15.9 1.8 8.7 0.0 0.0

CUM

115.9 94.5 93.5 60.6 81.1 79.6 76.3 106.9 104.2 104.3 100.3 97.2 95.4 80.0 66.8 49.8 40.1 39.6 39.6 39.6 39.6

Page 63 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 32

DATA POSITION FROM

01/01/2001

15/12/2003

DATE

15/03/2004

PROCESSING

Recreation Place

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

25 12 4 5 16 3 16 4 9 5 2 4 17 14 16 20 20 4 2 1 199

25 37 41 46 62 65 81 85 94 99 101 105 122 136 152 172 192 196 198 199

BAND

12.6 6.0 2.0 2.5 8.0 1.5 8.0 2.0 4.5 2.5 1.0 2.0 8.5 7.0 8.0 10.1 10.1 2.0 1.0 0.5

CUM.

PERCENTAGE rp

12.6 23.7 18.6 19.7 20.6 33.2 23.1 5.1 31.2 22.4 32.7 5.4 40.7 50.7 42.7 14.3 47.2 41.7 49.8 30.3 50.8 19.4 52.8 110.4 61.3 261.1 68.3 252.0 76.4 325.6 86.4 483.9 96.5 1,698.5 98.5 642.5 99.5 688.3 100.0 172.8 4,900.8

23.7 43.4 76.6 81.7 104.1 109.5 160.2 174.5 216.2 246.4 265.8 376.2 637.3 889.3 1,214.9 1,698.8 3,397.3 4,039.8 4,728.0 4,900.8

BAND

0.5 0.4 0.7 0.1 0.5 0.1 1.0 0.3 0.9 0.6 0.4 2.3 5.3 5.1 6.6 9.9 34.7 13.1 14.0 3.5

CUM.

0.5 0.9 1.6 1.7 2.1 2.2 3.3 3.6 4.4 5.0 5.4 7.7 13.0 18.2 24.8 34.7 69.3 82.4 96.5 100.0

PERCENTAGE f

4 1 0 0 0 0 0 0 0 0 0 0 11 3 3 0 1 0 2 1 26

BAND

4 5 5 5 5 5 5 5 5 5 5 5 16 19 22 22 23 23 25 26

15.4 3.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 42.3 11.5 11.5 0.0 3.9 0.0 7.7 3.9

CUM.

15.4 19.2 19.2 19.2 19.2 19.2 19.2 19.2 19.2 19.2 19.2 19.2 61.5 73.1 84.6 84.6 88.5 88.5 96.2 100.0

PERCENTAGE rp

33.3 10.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 250.9 45.6 30.9 0.0 21.3 0.0 82.2 200.0 674.2

33.3 43.3 43.3 43.3 43.3 43.3 43.3 43.3 43.3 43.3 43.3 43.3 294.2 339.8 370.7 370.7 392.0 392.0 474.2 674.2

BAND

4.9 1.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 37.2 6.8 4.6 0.0 3.2 0.0 12.2 29.7

CUM.

4.9 6.4 6.4 6.4 6.4 6.4 6.4 6.4 6.4 6.4 6.4 6.4 43.6 50.4 55.0 55.0 58.2 58.2 70.3 100.0

PERCENTAGE BAND

140.4 50.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 96.1 18.1 9.5 0.0 1.3 0.0 11.9 115.8

CUM

140.4 99.9 56.6 53.0 41.6 39.6 27.1 24.8 20.0 17.6 16.3 11.5 46.2 38.2 30.5 21.8 11.5 9.7 10.0 13.8 13.8

Page 64 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 40

DATA POSITION FROM

01/01/2001

15/12/2003

DATE

15/03/2004

PROCESSING

Non Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

41 13 16 1 1 0 2 1 0 1 0 0 1 1 1 0 0 1 0 0 80

BAND

41 54 70 71 72 72 74 75 75 76 76 76 77 78 79 79 79 80 80 80

51.3 16.3 20.0 1.3 1.3 0.0 2.5 1.3 0.0 1.3 0.0 0.0 1.3 1.3 1.3 0.0 0.0 1.3 0.0 0.0

CUM.

51.3 67.5 87.5 88.8 90.0 90.0 92.5 93.8 93.8 95.0 95.0 95.0 96.3 97.5 98.8 98.8 98.8 100.0 100.0 100.0

PERCENTAGE rp

4.9 6.0 8.3 0.1 1.5 0.0 23.7 0.6 0.0 12.5 0.0 0.0 33.3 14.0 25.3 0.0 0.0 160.3 0.0 0.0 290.5

4.9 10.9 19.2 19.3 20.8 20.8 44.5 45.1 45.1 57.6 57.6 57.6 91.0 104.9 130.2 130.2 130.2 290.5 290.5 290.5

BAND

1.7 2.1 2.9 0.1 0.5 0.0 8.2 0.2 0.0 4.3 0.0 0.0 11.5 4.8 8.7 0.0 0.0 55.2 0.0 0.0

CUM.

1.7 3.7 6.6 6.7 7.2 7.2 15.3 15.5 15.5 19.8 19.8 19.8 31.3 36.1 44.8 44.8 44.8 100.0 100.0 100.0

PERCENTAGE f

0 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2

BAND

0 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2

0.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

0.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

0.0 0.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.6

0.0 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6

BAND

0.0 100.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

0.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

0.0 9.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM

0.0 5.2 2.9 2.9 2.7 2.7 1.3 1.3 1.3 1.0 1.0 1.0 0.6 0.5 0.4 0.4 0.4 0.2 0.2 0.2 0.2

Page 65 of 138

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 BPPDAN Phone No.: 334208 Ext.3163/3164 Fax No.: 3911432

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 01

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

NANGROE ACEH DARUSSALAM

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

901 800 637 214 199 57 40 14 18 5 3 14 2 8 7 2 13 7 0 1 2,942

901 1,701 2,338 2,552 2,751 2,808 2,848 2,862 2,880 2,885 2,888 2,902 2,904 2,912 2,919 2,921 2,934 2,941 2,941 2,942

BAND

30.6 27.2 21.7 7.3 6.8 1.9 1.4 0.5 0.6 0.2 0.1 0.5 0.1 0.3 0.2 0.1 0.4 0.2 0.0 0.0

CUM.

30.6 57.8 79.5 86.7 93.5 95.4 96.8 97.3 97.9 98.1 98.2 98.6 98.7 99.0 99.2 99.3 99.7 100.0 100.0 100.0

PERCENTAGE rp

168.9 402.8 598.6 327.2 383.9 173.5 164.6 56.7 82.6 95.4 13.4 46.0 11.0 111.0 73.9 16.8 567.8 392.2 0.0 1,085.2 4,771.5

168.9 571.8 1,170.4 1,497.6 1,881.6 2,055.0 2,219.6 2,276.3 2,358.9 2,454.2 2,467.6 2,513.6 2,524.6 2,635.6 2,709.5 2,726.3 3,294.1 3,686.3 3,686.3 4,771.5

BAND

3.5 8.4 12.5 6.9 8.0 3.6 3.4 1.2 1.7 2.0 0.3 1.0 0.2 2.3 1.5 0.4 11.9 8.2 0.0 22.7

CUM.

3.5 12.0 24.5 31.4 39.4 43.1 46.5 47.7 49.4 51.4 51.7 52.7 52.9 55.2 56.8 57.1 69.0 77.3 77.3 100.0

PERCENTAGE f

2 2 1 0 3 1 2 0 0 0 0 0 0 0 1 0 2 0 0 1 15

BAND

2 4 5 5 8 9 11 11 11 11 11 11 11 11 12 12 14 14 14 15

13.3 13.3 6.7 0.0 20.0 6.7 13.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 6.7 0.0 13.3 0.0 0.0 6.7

CUM.

13.3 26.7 33.3 33.3 53.3 60.0 73.3 73.3 73.3 73.3 73.3 73.3 73.3 73.3 80.0 80.0 93.3 93.3 93.3 100.0

PERCENTAGE rp

57.2 160.0 171.0 0.0 673.0 1.7 439.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 104.4 0.0 59.3 0.0 0.0 3,489.6 5,155.5

57.2 217.2 388.2 388.2 1,061.2 1,062.9 1,502.2 1,502.2 1,502.2 1,502.2 1,502.2 1,502.2 1,502.2 1,502.2 1,606.6 1,606.6 1,665.9 1,665.9 1,665.9 5,155.5

BAND

1.1 3.1 3.3 0.0 13.1 0.0 8.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.0 0.0 1.2 0.0 0.0 67.7

PERCENTAGE

CUM.

BAND

1.1 4.2 7.5 7.5 20.6 20.6 29.1 29.1 29.1 29.1 29.1 29.1 29.1 29.1 31.2 31.2 32.3 32.3 32.3 100.0

33.9 39.7 28.6 0.0 175.3 1.0 267.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 141.2 0.0 10.4 0.0 0.0 321.6

CUM

33.9 38.0 33.2 25.9 56.4 51.7 67.7 66.0 63.7 61.2 60.9 59.8 59.5 57.0 59.3 58.9 50.6 45.2 45.2 108.0 108.0

Page 66 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 02

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

SUMATERA UTARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

4,714 5,759 6,540 2,820 2,359 959 729 482 286 123 103 130 84 103 70 144 77 31 10 4 25,527

4,714 10,473 17,013 19,833 22,192 23,151 23,880 24,362 24,648 24,771 24,874 25,004 25,088 25,191 25,261 25,405 25,482 25,513 25,523 25,527

BAND

18.5 22.6 25.6 11.1 9.2 3.8 2.9 1.9 1.1 0.5 0.4 0.5 0.3 0.4 0.3 0.6 0.3 0.1 0.0 0.0

CUM.

18.5 41.0 66.7 77.7 86.9 90.7 93.6 95.4 96.6 97.0 97.4 98.0 98.3 98.7 99.0 99.5 99.8 100.0 100.0 100.0

PERCENTAGE rp

1,695.6 1,285.4 2,810.6 2,147.3 3,030.7 2,009.2 3,090.2 2,491.0 1,712.8 1,512.7 990.2 1,271.8 1,099.3 2,077.9 1,731.3 4,798.6 4,875.1 1,218.5 5,090.9 1,501.8 46,440.7

1,695.6 2,981.0 5,791.7 7,938.9 10,969.6 12,978.9 16,069.1 18,560.0 20,272.8 21,785.5 22,775.7 24,047.5 25,146.7 27,224.6 28,955.9 33,754.5 38,629.5 39,848.1 44,939.0 46,440.7

BAND

3.7 2.8 6.1 4.6 6.5 4.3 6.7 5.4 3.7 3.3 2.1 2.7 2.4 4.5 3.7 10.3 10.5 2.6 11.0 3.2

CUM.

3.7 6.4 12.5 17.1 23.6 27.9 34.6 40.0 43.7 46.9 49.0 51.8 54.1 58.6 62.4 72.7 83.2 85.8 96.8 100.0

PERCENTAGE f

10 5 14 7 11 4 3 20 5 13 1 2 1 3 2 8 9 3 1 0 122

10 15 29 36 47 51 54 74 79 92 93 95 96 99 101 109 118 121 122 122

BAND

8.2 4.1 11.5 5.7 9.0 3.3 2.5 16.4 4.1 10.7 0.8 1.6 0.8 2.5 1.6 6.6 7.4 2.5 0.8 0.0

CUM.

8.2 12.3 23.8 29.5 38.5 41.8 44.3 60.7 64.8 75.4 76.2 77.9 78.7 81.2 82.8 89.3 96.7 99.2 100.0 100.0

PERCENTAGE rp

1,785.4 215.3 560.6 829.8 1,907.3 362.0 297.3 3,435.0 1,536.0 1,064.5 0.0 21.2 31.5 166.2 38.0 212.4 2,155.9 778.2 340.8 0.0

1,785.4 2,000.7 2,561.2 3,391.0 5,298.4 5,660.4 5,957.7 9,392.6 10,928.6 11,993.1 11,993.1 12,014.3 12,045.8 12,212.0 12,250.0 12,462.4 14,618.2 15,396.4 15,737.2 15,737.2

BAND

11.4 1.4 3.6 5.3 12.1 2.3 1.9 21.8 9.8 6.8 0.0 0.1 0.2 1.1 0.2 1.4 13.7 4.9 2.2 0.0

PERCENTAGE

CUM.

BAND

11.4 12.7 16.3 21.6 33.7 36.0 37.9 59.7 69.4 76.2 76.2 76.3 76.5 77.6 77.8 79.2 92.9 97.8 100.0 100.0

105.3 16.7 19.9 38.6 62.9 18.0 9.6 137.9 89.7 70.4 0.0 1.7 2.9 8.0 2.2 4.4 44.2 63.9 6.7 0.0

CUM.

105.3 67.1 44.2 42.7 48.3 43.6 37.1 50.6 53.9 55.1 52.7 50.0 47.9 44.9 42.3 36.9 37.8 38.6 35.0 33.9

15,737.2

33.9

Page 67 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 03

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

SUMATERA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2,197 2,027 1,647 541 446 146 114 58 31 20 15 13 12 15 7 10 16 1 1 0 7,317

2,197 4,224 5,871 6,412 6,858 7,004 7,118 7,176 7,207 7,227 7,242 7,255 7,267 7,282 7,289 7,299 7,315 7,316 7,317 7,317

BAND

30.0 27.7 22.5 7.4 6.1 2.0 1.6 0.8 0.4 0.3 0.2 0.2 0.2 0.2 0.1 0.1 0.2 0.0 0.0 0.0

CUM.

30.0 57.7 80.2 87.6 93.7 95.7 97.3 98.1 98.5 98.8 99.0 99.2 99.3 99.5 99.6 99.8 100.0 100.0 100.0 100.0

PERCENTAGE rp

490.6 388.0 617.6 375.5 511.4 251.1 282.4 186.8 122.1 111.4 108.0 129.2 169.5 147.4 111.2 299.8 1,288.3 44.1 148.7 0.0 5,782.9

490.6 878.5 1496.1 1871.6 2383.0 2634.1 2916.5 3103.2 3225.3 3336.7 3444.7 3573.9 3743.4 3890.8 4002.0 4301.8 5590.1 5634.2 5782.9 5782.9

BAND

8.5 6.7 10.7 6.5 8.8 4.3 4.9 3.2 2.1 1.9 1.9 2.2 2.9 2.6 1.9 5.2 22.3 0.8 2.6 0.0

CUM.

8.5 15.2 25.9 32.4 41.2 45.6 50.4 53.7 55.8 57.7 59.6 61.8 64.7 67.3 69.2 74.4 96.7 97.4 100.0 100.0

PERCENTAGE f

4 1 0 0 1 1 0 0 0 0 0 1 0 0 1 0 1 0 0 0 10

BAND

4 5 5 5 6 7 7 7 7 7 7 8 8 8 9 9 10 10 10 10

40.0 10.0 0.0 0.0 10.0 10.0 0.0 0.0 0.0 0.0 0.0 10.0 0.0 0.0 10.0 0.0 10.0 0.0 0.0 0.0

CUM.

40.0 50.0 50.0 50.0 60.0 70.0 70.0 70.0 70.0 70.0 70.0 80.0 80.0 80.0 90.0 90.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

442.3 100.0 0.0 0.0 9.6 581.6 0.0 0.0 0.0 0.0 0.0 24.0 0.0 0.0 7.4 0.0 872.4 0.0 0.0 0.0 2,037.2

442.3 542.3 542.3 542.3 551.9 1,133.5 1,133.5 1,133.5 1,133.5 1,133.5 1,133.5 1,157.5 1,157.5 1,157.5 1,164.8 1,164.8 2,037.2 2,037.2 2,037.2 2,037.2

BAND

21.7 4.9 0.0 0.0 0.5 28.6 0.0 0.0 0.0 0.0 0.0 1.2 0.0 0.0 0.4 0.0 42.8 0.0 0.0 0.0

CUM.

21.7 26.6 26.6 26.6 27.1 55.6 55.6 55.6 55.6 55.6 55.6 56.8 56.8 56.8 57.2 57.2 100.0 100.0 100.0 100.0

PERCENTAGE BAND

90.2 25.8 0.0 0.0 1.9 231.7 0.0 0.0 0.0 0.0 0.0 18.5 0.0 0.0 6.6 0.0 67.7 0.0 0.0 0.0

CUM

90.2 61.7 36.3 29.0 23.2 43.0 38.9 36.5 35.1 34.0 32.9 32.4 30.9 29.8 29.1 27.1 36.4 36.2 35.2 35.2 35.2

Page 68 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 04

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

RIAU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

3,411 3,738 3,541 1,575 1,276 519 338 215 133 83 64 64 52 63 31 58 91 26 20 6 15,304

3,411 7,149 10,690 12,265 13,541 14,060 14,398 14,613 14,746 14,829 14,893 14,957 15,009 15,072 15,103 15,161 15,252 15,278 15,298 15,304

BAND

22.3 24.4 23.1 10.3 8.3 3.4 2.2 1.4 0.9 0.5 0.4 0.4 0.3 0.4 0.2 0.4 0.6 0.2 0.1 0.0

CUM.

22.3 46.7 69.9 80.1 88.5 91.9 94.1 95.5 96.4 96.9 97.3 97.7 98.1 98.5 98.7 99.1 99.7 99.8 100.0 100.0

PERCENTAGE rp

1,170.9 999.3 2,023.4 1,640.7 2,235.3 1,338.2 1,097.2 983.3 671.4 625.1 438.0 611.5 784.0 817.1 398.8 1,602.9 4,661.4 2,425.0 4,251.6 2,016.9 30,792.0

1170.9 2170.2 4193.5 5834.2 8069.5 9407.8 10505.0 11488.3 12159.6 12784.7 13222.7 13834.3 14618.3 15435.4 15834.2 17437.1 22098.5 24523.5 28775.1 30792.0

BAND

3.8 3.3 6.6 5.3 7.3 4.4 3.6 3.2 2.2 2.0 1.4 2.0 2.6 2.7 1.3 5.2 15.1 7.9 13.8 6.6

CUM.

3.8 7.1 13.6 19.0 26.2 30.6 34.1 37.3 39.5 41.5 42.9 44.9 47.5 50.1 51.4 56.6 71.8 79.6 93.5 100.0

PERCENTAGE f

9 13 7 5 7 5 0 2 0 0 1 1 3 2 1 4 3 4 4 6 77

BAND

9 22 29 34 41 46 46 48 48 48 49 50 53 55 56 60 63 67 71 77

11.7 16.9 9.1 6.5 9.1 6.5 0.0 2.6 0.0 0.0 1.3 1.3 3.9 2.6 1.3 5.2 3.9 5.2 5.2 7.8

CUM.

11.7 28.6 37.7 44.2 53.3 59.7 59.7 62.3 62.3 62.3 63.6 64.9 68.8 71.4 72.7 77.9 81.8 87.0 92.2 100.0

PERCENTAGE rp

1,030.9 702.6 745.8 1,141.6 1,264.1 392.2 0.0 137.1 0.0 0.0 5.7 1,689.6 1,151.1 1.9 3.7 3,412.8 70.7 1,160.1 703.6 498.4 14,111.7

1,030.9 1,733.5 2,479.2 3,620.8 4,884.9 5,277.1 5,277.1 5,414.2 5,414.2 5,414.2 5,419.9 7,109.5 8,260.6 8,262.4 8,266.1 11,678.9 11,749.6 12,909.7 13,613.3 14,111.7

BAND

7.3 5.0 5.3 8.1 9.0 2.8 0.0 1.0 0.0 0.0 0.0 12.0 8.2 0.0 0.0 24.2 0.5 8.2 5.0 3.5

CUM.

7.3 12.3 17.6 25.7 34.6 37.4 37.4 38.4 38.4 38.4 38.4 50.4 58.5 58.6 58.6 82.8 83.3 91.5 96.5 100.0

PERCENTAGE BAND

88.0 70.3 36.9 69.6 56.6 29.3 0.0 14.0 0.0 0.0 1.3 276.3 146.8 0.2 0.9 212.9 1.5 47.8 16.6 24.7

CUM

88.0 79.9 59.1 62.1 60.5 56.1 50.2 47.1 44.5 42.4 41.0 51.4 56.5 53.5 52.2 67.0 53.2 52.6 47.3 45.8 45.8

Page 69 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 05

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

JAMBI

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

771 756 690 299 248 105 61 39 28 8 11 10 12 7 5 6 8 3 2 0 3,069

771 1,527 2,217 2,516 2,764 2,869 2,930 2,969 2,997 3,005 3,016 3,026 3,038 3,045 3,050 3,056 3,064 3,067 3,069 3,069

BAND

25.1 24.6 22.5 9.7 8.1 3.4 2.0 1.3 0.9 0.3 0.4 0.3 0.4 0.2 0.2 0.2 0.3 0.1 0.1 0.0

CUM.

25.1 49.8 72.2 82.0 90.1 93.5 95.5 96.7 97.7 97.9 98.3 98.6 99.0 99.2 99.4 99.6 99.8 99.9 100.0 100.0

PERCENTAGE rp

124.7 255.7 435.5 314.2 460.3 270.0 196.8 192.4 205.6 132.0 91.8 161.0 257.0 166.2 162.2 183.4 858.4 233.0 78.3 0.0 4,778.4

124.7 380.3 815.8 1130.0 1590.4 1860.4 2057.2 2249.6 2455.2 2587.1 2678.9 2839.9 3096.9 3263.1 3425.3 3608.7 4467.1 4700.1 4778.4 4778.4

BAND

2.6 5.4 9.1 6.6 9.6 5.7 4.1 4.0 4.3 2.8 1.9 3.4 5.4 3.5 3.4 3.8 18.0 4.9 1.6 0.0

CUM.

2.6 8.0 17.1 23.7 33.3 38.9 43.1 47.1 51.4 54.1 56.1 59.4 64.8 68.3 71.7 75.5 93.5 98.4 100.0 100.0

PERCENTAGE f

1 4 2 0 2 0 1 2 0 0 0 0 0 0 0 0 1 0 1 0 14

BAND

1 5 7 7 9 9 10 12 12 12 12 12 12 12 12 12 13 13 14 14

7.1 28.6 14.3 0.0 14.3 0.0 7.1 14.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 7.1 0.0 7.1 0.0

CUM.

7.1 35.7 50.0 50.0 64.3 64.3 71.4 85.7 85.7 85.7 85.7 85.7 85.7 85.7 85.7 85.7 92.9 92.9 100.0 100.0

PERCENTAGE rp

3.5 196.6 390.0 0.0 465.2 0.0 11.7 975.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5.7 0.0 44.8 0.0 2,093.1

3.5 200.1 590.1 590.1 1,055.3 1,055.3 1,067.0 2,042.6 2,042.6 2,042.6 2,042.6 2,042.6 2,042.6 2,042.6 2,042.6 2,042.6 2,048.3 2,048.3 2,093.1 2,093.1

BAND

0.2 9.4 18.6 0.0 22.2 0.0 0.6 46.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.3 0.0 2.1 0.0

CUM.

0.2 9.6 28.2 28.2 50.4 50.4 51.0 97.6 97.6 97.6 97.6 97.6 97.6 97.6 97.6 97.6 97.9 97.9 100.0 100.0

PERCENTAGE BAND

2.8 76.9 89.6 0.0 101.1 0.0 5.9 507.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.7 0.0 57.2 0.0

CUM

2.8 52.6 72.3 52.2 66.4 56.7 51.9 90.8 83.2 79.0 76.3 71.9 66.0 62.6 59.6 56.6 45.9 43.6 43.8 43.8 43.8

Page 70 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 06

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

SUMATERA SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2,621 2,372 2,347 1,009 865 377 260 155 92 65 42 47 35 50 21 40 25 15 9 3 10,450

2,621 4,993 7,340 8,349 9,214 9,591 9,851 10,006 10,098 10,163 10,205 10,252 10,287 10,337 10,358 10,398 10,423 10,438 10,447 10,450

BAND

25.1 22.7 22.5 9.7 8.3 3.6 2.5 1.5 0.9 0.6 0.4 0.5 0.3 0.5 0.2 0.4 0.2 0.1 0.1 0.0

CUM.

25.1 47.8 70.2 79.9 88.2 91.8 94.3 95.8 96.6 97.3 97.7 98.1 98.4 98.9 99.1 99.5 99.7 99.9 100.0 100.0

PERCENTAGE rp

903.3 626.9 1,217.3 906.5 1,264.0 831.5 888.8 541.6 439.7 367.9 311.5 398.9 317.2 544.8 347.6 1,461.4 1,286.5 720.5 1,039.2 196.9 14,611.9

903.3 1,530.2 2,747.5 3,654.0 4,918.0 5,749.4 6,638.3 7,179.8 7,619.5 7,987.4 8,298.9 8,697.8 9,015.0 9,559.9 9,907.4 11,368.8 12,655.3 13,375.8 14,415.0 14,611.9

BAND

6.2 4.3 8.3 6.2 8.7 5.7 6.1 3.7 3.0 2.5 2.1 2.7 2.2 3.7 2.4 10.0 8.8 4.9 7.1 1.3

CUM.

6.2 10.5 18.8 25.0 33.7 39.3 45.4 49.1 52.1 54.7 56.8 59.5 61.7 65.4 67.8 77.8 86.6 91.5 98.7 100.0

PERCENTAGE f

4 5 4 4 5 1 1 0 0 0 0 0 1 0 0 0 1 1 3 0 30

BAND

4 9 13 17 22 23 24 24 24 24 24 24 25 25 25 25 26 27 30 30

CUM.

13.3 13.3 16.7 30.0 13.3 43.3 13.3 56.7 16.7 73.3 3.3 76.7 3.3 80.0 0.0 80.0 0.0 80.0 0.0 80.0 0.0 80.0 0.0 80.0 3.3 83.3 0.0 83.3 0.0 83.3 0.0 83.3 3.3 86.7 3.3 90.0 10.0 100.0 0.0 100.0

PERCENTAGE rp

180.2 179.4 59.4 292.0 304.6 12.0 796.4 0.0 0.0 0.0 0.0 0.0 209.3 0.0 0.0 0.0 333.6 29.6 410.3 0.0 2,806.8

180.2 359.6 419.0 711.0 1,015.6 1,027.6 1,823.9 1,823.9 1,823.9 1,823.9 1,823.9 1,823.9 2,033.2 2,033.2 2,033.2 2,033.2 2,366.9 2,396.5 2,806.8 2,806.8

BAND

6.4 6.4 2.1 10.4 10.9 0.4 28.4 0.0 0.0 0.0 0.0 0.0 7.5 0.0 0.0 0.0 11.9 1.1 14.6 0.0

PERCENTAGE

CUM.

BAND

6.4 12.8 14.9 25.3 36.2 36.6 65.0 65.0 65.0 65.0 65.0 65.0 72.4 72.4 72.4 72.4 84.3 85.4 100.0 100.0

19.9 28.6 4.9 32.2 24.1 1.4 89.6 0.0 0.0 0.0 0.0 0.0 66.0 0.0 0.0 0.0 25.9 4.1 39.5 0.0

CUM

19.9 23.5 15.3 19.5 20.7 17.9 27.5 25.4 23.9 22.8 22.0 21.0 22.6 21.3 20.5 17.9 18.7 17.9 19.5 19.2 19.2

Page 71 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 07

DATA POSITION FROM : TO PROCESSING

01/01/2001

15/12/2003

DATE :

15/03/2004

BENGKULU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

685 456 333 145 102 31 23 21 7 1 3 5 1 1 2 6 1 0 0 0 1,823

685 1,141 1,474 1,619 1,721 1,752 1,775 1,796 1,803 1,804 1,807 1,812 1,813 1,814 1,816 1,822 1,823 1,823 1,823 1,823

BAND

37.6 25.0 18.3 8.0 5.6 1.7 1.3 1.2 0.4 0.1 0.2 0.3 0.1 0.1 0.1 0.3 0.1 0.0 0.0 0.0

CUM.

37.6 62.6 80.9 88.8 94.4 96.1 97.4 98.5 98.9 99.0 99.1 99.4 99.5 99.5 99.6 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

100.6 186.0 252.9 209.2 249.2 86.0 92.4 74.7 39.4 11.4 9.8 86.5 8.2 2.9 31.2 290.1 31.2 0.0 0.0 0.0 1,742.3

100.6 286.6 539.5 748.7 997.9 1083.9 1176.4 1251.1 1290.4 1301.8 1292.1 1378.6 1386.8 1389.8 1421.0 1711.1 1742.3 1742.3 1742.3 1742.3

BAND

5.8 10.7 14.5 12.0 14.3 4.9 5.3 4.3 2.3 0.7 0.6 5.0 0.5 0.2 1.8 16.7 1.8 0.0 0.0 0.0

CUM.

5.8 16.5 31.0 43.0 57.3 62.2 67.5 71.8 74.1 74.7 74.2 79.1 79.6 79.8 81.6 98.2 100.0 100.0 100.0 100.0

PERCENTAGE f

0 0 0 0 1 2 0 1 0 0 0 0 0 0 0 3 0 0 0 0 7

BAND

0 0 0 0 1 3 3 4 4 4 4 4 4 4 4 7 7 7 7 7

0.0 0.0 0.0 0.0 14.3 28.6 0.0 14.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 42.9 0.0 0.0 0.0 0.0

CUM.

0.0 0.0 0.0 0.0 14.3 42.9 42.9 57.1 57.1 57.1 57.1 57.1 57.1 57.1 57.1 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

0.0 0.0 0.0 0.0 48.5 10.7 0.0 9.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0 330.2 0.0 0.0 0.0 0.0 399.3

0.0 0.0 0.0 0.0 48.5 59.2 59.2 69.1 69.1 69.1 69.1 69.1 69.1 69.1 69.1 399.3 399.3 399.3 399.3 399.3

BAND

0.0 0.0 0.0 0.0 12.2 2.7 0.0 2.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 82.7 0.0 0.0 0.0 0.0

CUM.

0.0 0.0 0.0 0.0 12.2 14.8 14.8 17.3 17.3 17.3 17.3 17.3 17.3 17.3 17.3 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

0.0 0.0 0.0 0.0 19.5 12.4 0.0 13.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 113.8 0.0 0.0 0.0 0.0

CUM

0.0 0.0 0.0 0.0 4.9 5.5 5.0 5.5 5.4 5.3 5.4 5.0 5.0 5.0 4.9 23.3 22.9 22.9 22.9 22.9 22.9

Page 72 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 08

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

LAMPUNG

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

1,072 1,051 1,017 466 473 202 169 126 61 26 27 20 21 31 17 27 11 11 9 1 4,838

1,072 2,123 3,140 3,606 4,079 4,281 4,450 4,576 4,637 4,663 4,690 4,710 4,731 4,762 4,779 4,806 4,817 4,828 4,837 4,838

BAND

22.2 21.7 21.0 9.6 9.8 4.2 3.5 2.6 1.3 0.5 0.6 0.4 0.4 0.6 0.4 0.6 0.2 0.2 0.2 0.0

CUM.

22.2 43.9 64.9 74.5 84.3 88.5 92.0 94.6 95.9 96.4 96.9 97.4 97.8 98.4 98.8 99.3 99.6 99.8 100.0 100.0

PERCENTAGE rp

298.8 237.5 480.5 364.9 680.7 356.1 459.7 442.1 299.1 170.6 245.8 157.5 225.2 356.8 143.9 1,013.4 849.0 2,077.2 3,180.5 172.8 12,211.7

298.8 536.3 1016.8 1381.7 2062.4 2418.5 2878.2 3320.3 3619.3 3790.0 4035.7 4193.2 4418.4 4775.1 4919.0 5932.4 6781.3 8858.5 12039.0 12211.7

BAND

2.5 1.9 3.9 3.0 5.6 2.9 3.8 3.6 2.5 1.4 2.0 1.3 1.8 2.9 1.2 8.3 7.0 17.0 26.0 1.4

CUM.

2.5 4.4 8.3 11.3 16.9 19.8 23.6 27.2 29.6 31.0 33.1 34.3 36.2 39.1 40.3 48.6 55.5 72.5 98.6 100.0

PERCENTAGE f

0 2 1 2 2 0 1 1 3 1 1 5 4 1 0 2 3 0 4 1 34

BAND

0 2 3 5 7 7 8 9 12 13 14 19 23 24 24 26 29 29 33 34

0.0 5.9 2.9 5.9 5.9 0.0 2.9 2.9 8.8 2.9 2.9 14.7 11.8 2.9 0.0 5.9 8.8 0.0 11.8 2.9

CUM.

0.0 5.9 8.8 14.7 20.6 20.6 23.5 26.5 35.3 38.2 41.2 55.9 67.7 70.6 70.6 76.5 85.3 85.3 97.1 100.0

PERCENTAGE rp

0.0 82.9 10.1 16.4 215.1 0.0 427.2 103.2 395.2 12.5 51.2 149.1 87.6 7.7 0.0 602.2 52.8 0.0 18.3 200.0 2,431.5

0.0 82.9 93.0 109.3 324.5 324.5 751.6 854.8 1,250.0 1,262.6 1,313.8 1,462.9 1,550.5 1,558.2 1,558.2 2,160.4 2,213.2 2,213.2 2,231.5 2,431.5

BAND

0.0 3.4 0.4 0.7 8.9 0.0 17.6 4.2 16.3 0.5 2.1 6.1 3.6 0.3 0.0 24.8 2.2 0.0 0.8 8.2

CUM.

0.0 3.4 3.8 4.5 13.3 13.3 30.9 35.2 51.4 51.9 54.0 60.2 63.8 64.1 64.1 88.9 91.0 91.0 91.8 100.0

PERCENTAGE BAND

0.0 34.9 2.1 4.5 31.6 0.0 92.9 23.3 132.2 7.3 20.9 94.7 38.9 2.2 0.0 59.4 6.2 0.0 0.6 115.8

CUM

0.0 15.5 9.1 7.9 15.7 13.4 26.1 25.8 34.5 33.3 32.6 34.9 35.1 32.6 31.7 36.4 32.6 25.0 18.5 19.9 19.9

Page 73 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 09

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

DKI JAKARTA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

16,440 19,226 33,150 19,590 20,112 9,560 6,750 4,590 2,564 1,336 1,011 1,196 754 890 601 770 455 255 251 37 139,538

16,440 35,666 68,816 88,406 108,518 118,078 124,828 129,418 131,982 133,318 134,329 135,525 136,279 137,169 137,770 138,540 138,995 139,250 139,501 139,538

BAND

11.8 13.8 23.8 14.0 14.4 6.9 4.8 3.3 1.8 1.0 0.7 0.9 0.5 0.6 0.4 0.6 0.3 0.2 0.2 0.0

CUM.

11.8 25.6 49.3 63.4 77.8 84.6 89.5 92.7 94.6 95.5 96.3 97.1 97.7 98.3 98.7 99.3 99.6 99.8 100.0 100.0

PERCENTAGE rp

9,791.6 4,083.5 10,494.9 10,441.2 17,911.0 13,154.2 14,358.3 14,220.6 10,115.5 7,292.9 7,008.4 7,234.8 7,464.8 9,725.0 9,158.2 18,411.6 19,715.1 19,318.4 37,903.9 43,535.5 291,339.2

9,791.6 13,875.1 24,369.9 34,811.2 52,722.2 65,876.4 80,234.7 94,455.2 104,570.8 111,863.6 118,872.0 126,106.8 133,571.6 143,296.6 152,454.8 170,866.5 190,581.5 209,899.9 247,803.7 291,339.2

BAND

3.4 1.4 3.6 3.6 6.1 4.5 4.9 4.9 3.5 2.5 2.4 2.5 2.6 3.3 3.1 6.3 6.8 6.6 13.0 14.9

PERCENTAGE f

3.4 4.8 8.4 11.9 18.1 22.6 27.5 32.4 35.9 38.4 40.8 43.3 45.8 49.2 52.3 58.6 65.4 72.0 85.1 100.0

55 53 55 48 56 25 36 23 18 12 14 17 19 24 23 32 39 30 101 15 695

BAND

55 108 163 211 267 292 328 351 369 381 395 412 431 455 478 510 549 579 680 695

7.9 7.6 7.9 6.9 8.1 3.6 5.2 3.3 2.6 1.7 2.0 2.5 2.7 3.5 3.3 4.6 5.6 4.3 14.5 2.2

CUM.

7.9 15.5 23.5 30.4 38.4 42.0 47.2 50.5 53.1 54.8 56.8 59.3 62.0 65.5 68.8 73.4 79.0 83.3 97.8 100.0

PERCENTAGE rp

30,653.9 30,653.9 1,536.0 32,189.9 2,398.5 34,588.3 3,176.3 37,764.7 5,879.5 43,644.2 2,700.3 46,344.4 3,392.6 49,737.0 750.2 50,487.2 1,032.7 51,519.9 1,361.6 52,881.5 754.5 53,636.0 6,564.5 60,200.5 7,952.6 68,153.1 1,131.7 69,284.8 10,042.8 79,327.6 2,598.9 81,926.4 2,234.1 84,160.5 7,606.3 91,766.8 8,507.4 100,274.2 2,683.8 102,958.0 102,958.0

BAND

29.8 1.5 2.3 3.1 5.7 2.6 3.3 0.7 1.0 1.3 0.7 6.4 7.7 1.1 9.8 2.5 2.2 7.4 8.3 2.6

CUM.

29.8 31.3 33.6 36.7 42.4 45.0 48.3 49.0 50.0 51.4 52.1 58.5 66.2 67.3 77.1 79.6 81.7 89.1 97.4 100.0

PERCENTAGE BAND

313.1 37.6 22.9 30.4 32.8 20.5 23.6 5.3 10.2 18.7 10.8 90.7 106.5 11.6 109.7 14.1 11.3 39.4 22.4 6.2

CUM.

313.1 232.0 141.9 108.5 82.8 70.4 62.0 53.5 49.3 47.3 45.1 47.7 51.0 48.4 52.0 47.9 44.2 43.7 40.5 35.3 35.3

Page 74 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 10

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

JAWA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

24,765 21,329 19,140 8,445 7,176 3,146 2,329 1,826 1,110 689 548 734 524 736 506 895 775 306 328 57 95,364

24,765 46,094 65,234 73,679 80,855 84,001 86,330 88,156 89,266 89,955 90,503 91,237 91,761 92,497 93,003 93,898 94,673 94,979 95,307 95,364

BAND

CUM.

25.97 25.97 22.37 48.33 20.07 68.41 8.86 77.26 7.52 84.79 3.30 88.08 2.44 90.53 1.91 92.44 1.16 93.61 0.72 94.33 0.57 94.90 0.77 95.67 0.55 96.22 0.77 96.99 0.53 97.52 0.94 98.46 0.81 99.28 0.32 99.60 0.34 99.94 0.06 100.00

PERCENTAGE rp

6,978.2 3,740.2 6,603.7 5,595.7 8,425.3 5,615.4 5,992.6 6,707.7 5,372.9 4,031.9 3,661.7 6,696.4 5,585.4 9,919.8 9,611.6 23,303.1 39,310.3 27,300.3 55,626.5 27,154.8 267,233.6

6,978.2 10,718.4 17,322.1 22,917.8 31,343.2 36,958.6 42,951.1 49,658.9 55,031.8 59,063.7 62,725.4 69,421.8 75,007.2 84,927.1 94,538.7 117,841.8 157,152.0 184,452.3 240,078.8 267,233.6

BAND

CUM.

2.61 2.61 1.40 4.01 2.47 6.48 2.09 8.58 3.15 11.73 2.10 13.83 2.24 16.07 2.51 18.58 2.01 20.59 1.51 22.10 1.37 23.47 2.51 25.98 2.09 28.07 3.71 31.78 3.60 35.38 8.72 44.10 14.71 58.81 10.22 69.02 20.82 89.84 10.16 100.00

PERCENTAGE f

22 23 26 23 20 19 22 21 9 16 9 11 17 30 34 79 86 34 53 239 793

22 45 71 94 114 133 155 176 185 201 210 221 238 268 302 381 467 501 554 793

BAND

CUM.

PERCENTAGE rp

2.77 2.77 2,120.0 2,120.0 2.90 5.67 715.5 2,835.5 3.28 8.95 1,837.4 4,672.9 2.90 11.85 1,406.6 6,079.5 2.52 14.38 1,442.7 7,522.2 2.40 16.77 2,497.5 10,019.7 2.77 19.55 4,203.9 14,223.6 2.65 22.19 7,624.6 21,848.2 1.13 23.33 254.3 22,102.5 2.02 25.35 6,163.3 28,265.7 1.13 26.48 2,252.8 30,518.5 1.39 27.87 780.3 31,298.9 2.14 30.01 317.2 31,616.1 3.78 33.80 6,758.3 38,374.4 4.29 38.08 11,622.9 49,997.3 9.96 48.05 36,905.5 86,902.8 10.84 58.89 120,269.0 207,171.9 4.29 63.18 6,838.1 214,010.0 6.68 69.86 9,645.2 223,655.2 30.14 100.00 16,606.3 240,261.5 240,261.5

BAND

0.9 0.3 0.8 0.6 0.6 1.0 1.8 3.2 0.1 2.6 0.9 0.3 0.1 2.8 4.8 15.4 50.1 2.9 4.0 6.9

CUM.

0.9 1.2 1.9 2.5 3.1 4.2 5.9 9.1 9.2 11.8 12.7 13.0 13.2 16.0 20.8 36.2 86.2 89.1 93.1 100.0

PERCENTAGE BAND

30.4 19.1 27.8 25.1 17.1 44.5 70.2 113.7 4.7 152.9 61.5 11.7 5.7 68.1 120.9 158.4 305.9 25.0 17.3 61.2

CUM

30.4 26.5 27.0 26.5 24.0 27.1 33.1 44.0 40.2 47.9 48.7 45.1 42.2 45.2 52.9 73.7 131.8 116.0 93.2 89.9 89.9

Page 75 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 11

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

JAWA TENGAH

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

11,072 4,293 3,875 1,877 1,858 995 760 590 324 205 156 181 124 150 105 136 92 26 29 5 26,853

11,072 15,365 19,240 21,117 22,975 23,970 24,730 25,320 25,644 25,849 26,005 26,186 26,310 26,460 26,565 26,701 26,793 26,819 26,848 26,853

BAND

41.2 16.0 14.4 7.0 6.9 3.7 2.8 2.2 1.2 0.8 0.6 0.7 0.5 0.6 0.4 0.5 0.3 0.1 0.1 0.0

CUM.

41.2 57.2 71.7 78.6 85.6 89.3 92.1 94.3 95.5 96.3 96.8 97.5 98.0 98.5 98.9 99.4 99.8 99.9 100.0 100.0

PERCENTAGE rp

2,542.5 1,080.6 1,925.8 1,651.1 2,516.2 2,025.7 2,069.9 2,504.5 1,808.1 1,185.4 1,225.1 1,594.2 1,568.7 2,161.6 1,816.3 5,285.0 4,924.0 2,850.1 5,198.2 2,975.9 48,908.8

2542.5 3623.1 5548.9 7200.0 9716.1 11741.9 13811.8 16316.2 18124.4 19309.8 20534.8 22129.1 23697.7 25859.3 27675.6 32960.6 37884.6 40734.7 45932.9 48908.8

BAND

5.2 2.2 3.9 3.4 5.1 4.1 4.2 5.1 3.7 2.4 2.5 3.3 3.2 4.4 3.7 10.8 10.1 5.8 10.6 6.1

CUM.

5.2 7.4 11.4 14.7 19.9 24.0 28.2 33.4 37.1 39.5 42.0 45.3 48.5 52.9 56.6 67.4 77.5 83.3 93.9 100.0

PERCENTAGE f

51 2 6 4 6 10 7 13 2 3 2 8 18 11 9 11 13 24 14 0 214

51 53 59 63 69 79 86 99 101 104 106 114 132 143 152 163 176 200 214 214

BAND

23.8 0.9 2.8 1.9 2.8 4.7 3.3 6.1 0.9 1.4 0.9 3.7 8.4 5.1 4.2 5.1 6.1 11.2 6.5 0.0

CUM.

PERCENTAGE rp

23.8 632.0 632.0 24.8 91.8 723.8 27.6 43.0 766.8 29.4 144.1 910.9 32.2 36.6 947.4 36.9 1,033.6 1,981.0 40.2 137.2 2,118.2 46.3 133.9 2,252.2 47.2 8.2 2,260.4 48.6 1,890.3 4,150.6 49.5 2.4 4,153.0 53.3 564.1 4,717.2 61.7 287.0 5,004.2 66.8 6,284.6 11,288.8 71.0 1,885.8 13,174.6 76.2 8,203.5 21,378.1 82.2 25,631.5 47,009.6 93.5 510.0 47,519.7 100.0 2,467.1 49,986.8 100.0 0.0 49,986.8 49,986.8

BAND

1.3 0.2 0.1 0.3 0.1 2.1 0.3 0.3 0.0 3.8 0.0 1.1 0.6 12.6 3.8 16.4 51.3 1.0 4.9 0.0

CUM.

1.3 1.5 1.5 1.8 1.9 4.0 4.2 4.5 4.5 8.3 8.3 9.4 10.0 22.6 26.4 42.8 94.0 95.1 100.0 100.0

PERCENTAGE BAND

24.9 8.5 2.2 8.7 1.5 51.0 6.6 5.4 0.5 159.5 0.2 35.4 18.3 290.7 103.8 155.2 520.5 17.9 47.5 0.0

CUM

24.9 20.0 13.8 12.7 9.8 16.9 15.3 13.8 12.5 21.5 20.2 21.3 21.1 43.7 47.6 64.9 124.1 116.7 108.8 102.2 102.2

Page 76 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 12

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

DI YOGYAKARTA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

804 483 520 283 263 114 102 89 48 35 12 24 24 29 3 30 14 4 3 1 2,885

804 1,287 1,807 2,090 2,353 2,467 2,569 2,658 2,706 2,741 2,753 2,777 2,801 2,830 2,833 2,863 2,877 2,881 2,884 2,885

BAND

27.9 16.7 18.0 9.8 9.1 4.0 3.5 3.1 1.7 1.2 0.4 0.8 0.8 1.0 0.1 1.0 0.5 0.1 0.1 0.0

CUM.

27.9 44.6 62.6 72.4 81.6 85.5 89.1 92.1 93.8 95.0 95.4 96.3 97.1 98.1 98.2 99.2 99.7 99.9 100.0 100.0

PERCENTAGE rp

327.3 90.2 208.8 197.5 295.2 179.1 201.6 292.3 153.1 213.5 76.6 197.4 213.9 268.9 59.5 398.7 136.0 131.4 182.6 381.2 4,204.8

327.3 417.5 626.3 823.8 1119.0 1298.1 1499.7 1792.0 1945.1 2158.7 2235.2 2432.6 2646.6 2915.4 2975.0 3373.6 3509.6 3641.0 3823.6 4204.8

BAND

7.8 2.2 5.0 4.7 7.0 4.3 4.8 7.0 3.6 5.1 1.8 4.7 5.1 6.4 1.4 9.5 3.2 3.1 4.3 9.1

CUM.

7.8 9.9 14.9 19.6 26.6 30.9 35.7 42.6 46.3 51.3 53.2 57.9 62.9 69.3 70.8 80.2 83.5 86.6 90.9 100.0

PERCENTAGE f

3 0 1 1 1 0 0 0 2 0 2 0 1 1 0 2 1 1 0 0 16

BAND

3 3 4 5 6 6 6 6 8 8 10 10 11 12 12 14 15 16 16 16

18.8 0.0 6.3 6.3 6.3 0.0 0.0 0.0 12.5 0.0 12.5 0.0 6.3 6.3 0.0 12.5 6.3 6.3 0.0 0.0

CUM.

18.8 18.8 25.0 31.3 37.5 37.5 37.5 37.5 50.0 50.0 62.5 62.5 68.8 75.0 75.0 87.5 93.8 100.0 100.0 100.0

PERCENTAGE rp

39.7 0.0 3.7 0.0 0.7 0.0 0.0 0.0 8.0 0.0 6.8 0.0 9.5 0.4 0.0 129.1 0.0 4.9 0.0 0.0

39.7 39.7 43.5 43.5 44.2 44.2 44.2 44.2 52.1 52.1 58.9 58.9 68.4 68.8 68.8 197.9 197.9 202.8 202.8 202.8

BAND

19.6 0.0 1.8 0.0 0.4 0.0 0.0 0.0 3.9 0.0 3.4 0.0 4.7 0.2 0.0 63.7 0.0 2.4 0.0 0.0

CUM.

19.6 19.6 21.4 21.4 21.8 21.8 21.8 21.8 25.7 25.7 29.1 29.1 33.8 34.0 34.0 97.6 97.6 100.0 100.0 100.0

PERCENTAGE BAND

12.1 0.0 1.8 0.0 0.2 0.0 0.0 0.0 5.2 0.0 8.9 0.0 4.4 0.1 0.0 32.4 0.0 3.7 0.0 0.0

CUM

12.1 9.5 6.9 5.3 4.0 3.4 3.0 2.5 2.7 2.4 2.6 2.4 2.6 2.4 2.3 5.9 5.6 5.6 5.3 4.8

202.8

4.8

Page 77 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 13

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

JAWA TIMUR

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

11,551 7,491 7,663 3,943 4,122 2,175 1,723 1,285 854 438 347 423 285 326 262 349 229 101 89 10 43,666

11,551 19,042 26,705 30,648 34,770 36,945 38,668 39,953 40,807 41,245 41,592 42,015 42,300 42,626 42,888 43,237 43,466 43,567 43,656 43,666

BAND

26.5 17.2 17.6 9.0 9.4 5.0 4.0 2.9 2.0 1.0 0.8 1.0 0.7 0.8 0.6 0.8 0.5 0.2 0.2 0.0

CUM.

26.5 43.6 61.2 70.2 79.6 84.6 88.6 91.5 93.5 94.5 95.3 96.2 96.9 97.6 98.2 99.0 99.5 99.8 100.0 100.0

PERCENTAGE rp

3,989.6 3989.6 2,037.3 6027.0 3,337.2 9364.2 4,282.0 13646.2 5,276.7 18922.9 3,982.2 22905.1 4,330.8 27235.9 4,789.3 32025.3 4,267.4 36292.6 2,666.5 38959.2 2,706.8 41665.9 3,561.1 45227.0 2,961.3 48188.3 5,741.5 53929.8 6,183.5 60113.3 12,561.7 72675.1 11,330.7 84005.7 6,793.4 90799.2 17,654.8 108454.0 31,272.2 139726.2 139,726.2

BAND

2.9 1.5 2.4 3.1 3.8 2.9 3.1 3.4 3.1 1.9 1.9 2.6 2.1 4.1 4.4 9.0 8.1 4.9 12.6 22.4

CUM.

2.9 4.3 6.7 9.8 13.5 16.4 19.5 22.9 26.0 27.9 29.8 32.4 34.5 38.6 43.0 52.0 60.1 65.0 77.6 100.0

PERCENTAGE f

57 11 23 23 66 15 13 26 11 10 7 10 8 13 14 26 16 18 25 1 393

57 68 91 114 180 195 208 234 245 255 262 272 280 293 307 333 349 367 392 393

BAND

14.5 2.8 5.9 5.9 16.8 3.8 3.3 6.6 2.8 2.5 1.8 2.5 2.0 3.3 3.6 6.6 4.1 4.6 6.4 0.3

CUM.

14.5 17.3 23.2 29.0 45.8 49.6 52.9 59.5 62.3 64.9 66.7 69.2 71.3 74.6 78.1 84.7 88.8 93.4 99.8 100.0

PERCENTAGE rp

1,145.6 137.2 1,068.0 321.7 1,439.7 2,074.9 1,543.6 2,502.2 2,242.6 7,063.7 2,510.8 813.8 1,849.0 1,833.4 7,512.2 1,886.3 7,306.5 6,069.5 1,545.1 0.0

1,145.6 1,282.8 2,350.8 2,672.5 4,112.2 6,187.1 7,730.7 10,232.9 12,475.5 19,539.1 22,049.9 22,863.7 24,712.7 26,546.1 34,058.3 35,944.6 43,251.1 49,320.6 50,865.7 50,865.7

BAND

2.3 0.3 2.1 0.6 2.8 4.1 3.0 4.9 4.4 13.9 4.9 1.6 3.6 3.6 14.8 3.7 14.4 11.9 3.0 0.0

PERCENTAGE

CUM.

BAND

2.3 2.5 4.6 5.3 8.1 12.2 15.2 20.1 24.5 38.4 43.4 45.0 48.6 52.2 67.0 70.7 85.0 97.0 100.0 100.0

CUM

28.7 6.7 32.0 7.5 27.3 52.1 35.6 52.2 52.6 264.9 92.8 22.9 62.4 31.9 121.5 15.0 64.5 89.3 8.8 0.0

50,865.7

28.7 21.3 25.1 19.6 21.7 27.0 28.4 32.0 34.4 50.2 52.9 50.6 51.3 49.2 56.7 49.5 51.5 54.3 46.9 36.4 36.4

Page 78 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 14

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

KALIMANTAN BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

8,302 6,038 3,048 916 673 198 132 71 45 18 13 22 9 9 1 8 7 2 1 0 19,513

8,302 14,340 17,388 18,304 18,977 19,175 19,307 19,378 19,423 19,441 19,454 19,476 19,485 19,494 19,495 19,503 19,510 19,512 19,513 19,513

BAND

42.6 30.9 15.6 4.7 3.5 1.0 0.7 0.4 0.2 0.1 0.1 0.1 0.1 0.1 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

42.6 73.5 89.1 93.8 97.3 98.3 98.9 99.3 99.5 99.6 99.7 99.8 99.9 99.9 99.9 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

4,622.3 2,974.0 3,143.3 1,617.7 1,915.2 803.5 736.2 466.3 317.0 189.1 210.2 327.6 270.3 275.4 9.9 170.6 455.7 398.8 256.0 0.0 19,159.0

4622.3 7596.3 10739.6 12357.3 14272.5 15076.0 15812.1 16278.4 16595.4 16784.6 16994.7 17322.4 17592.7 17868.0 17877.9 18048.5 18504.2 18903.0 19159.0 19159.0

BAND

24.1 15.5 16.4 8.4 10.0 4.2 3.8 2.4 1.7 1.0 1.1 1.7 1.4 1.4 0.1 0.9 2.4 2.1 1.3 0.0

CUM.

24.1 39.7 56.1 64.5 74.5 78.7 82.5 85.0 86.6 87.6 88.7 90.4 91.8 93.3 93.3 94.2 96.6 98.7 100.0 100.0

PERCENTAGE f

67 42 21 11 4 3 0 1 3 1 1 0 1 5 0 0 0 1 1 0 162

67 109 130 141 145 148 148 149 152 153 154 154 155 160 160 160 160 161 162 162

BAND

41.4 25.9 13.0 6.8 2.5 1.9 0.0 0.6 1.9 0.6 0.6 0.0 0.6 3.1 0.0 0.0 0.0 0.6 0.6 0.0

CUM.

41.4 67.3 80.3 87.0 89.5 91.4 91.4 92.0 93.8 94.4 95.1 95.1 95.7 98.8 98.8 98.8 98.8 99.4 100.0 100.0

PERCENTAGE rp

3,449.6 2,411.1 1,622.3 1,299.0 399.0 1,085.5 0.0 0.4 236.3 166.7 32.4 0.0 41.6 790.0 0.0 0.0 0.0 30.1 76.3 0.0 11,640.3

3,449.6 5,860.7 7,483.1 8,782.1 9,181.1 10,266.6 10,266.6 10,267.1 10,503.3 10,670.1 10,702.4 10,702.4 10,744.0 11,534.0 11,534.0 11,534.0 11,534.0 11,564.1 11,640.3 11,640.3

BAND

29.6 20.7 13.9 11.2 3.4 9.3 0.0 0.0 2.0 1.4 0.3 0.0 0.4 6.8 0.0 0.0 0.0 0.3 0.7 0.0

CUM.

29.6 50.4 64.3 75.5 78.9 88.2 88.2 88.2 90.2 91.7 91.9 91.9 92.3 99.1 99.1 99.1 99.1 99.3 100.0 100.0

PERCENTAGE BAND

74.6 81.1 51.6 80.3 20.8 135.1 0.0 0.1 74.5 88.2 15.4 0.0 15.4 286.9 0.0 0.0 0.0 7.5 29.8 0.0

CUM

74.6 77.2 69.7 71.1 64.3 68.1 64.9 63.1 63.3 63.6 63.0 61.8 61.1 64.6 64.5 63.9 62.3 61.2 60.8 60.8 60.8

Page 79 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 15

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

KALIMANTAN TENGAH

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

945 465 364 168 178 73 48 30 17 8 3 9 2 5 2 7 2 1 0 1 2,328

945 1,410 1,774 1,942 2,120 2,193 2,241 2,271 2,288 2,296 2,299 2,308 2,310 2,315 2,317 2,324 2,326 2,327 2,327 2,328

BAND

40.6 20.0 15.6 7.2 7.7 3.1 2.1 1.3 0.7 0.3 0.1 0.4 0.1 0.2 0.1 0.3 0.1 0.0 0.0 0.0

CUM.

40.6 60.6 76.2 83.4 91.1 94.2 96.3 97.6 98.3 98.6 98.8 99.1 99.2 99.4 99.5 99.8 99.9 100.0 100.0 100.0

PERCENTAGE rp

199.4 230.3 347.6 277.5 532.1 296.0 290.1 191.7 168.4 53.3 128.6 325.4 79.6 188.4 276.1 832.1 233.6 253.7 0.0 23.8 4,927.4

199.4 429.7 777.3 1054.7 1586.8 1882.8 2172.9 2364.6 2532.9 2586.2 2714.8 3040.2 3119.8 3308.2 3584.3 4416.3 4649.9 4903.6 4903.6 4927.4

BAND

4.1 4.7 7.1 5.6 10.8 6.0 5.9 3.9 3.4 1.1 2.6 6.6 1.6 3.8 5.6 16.9 4.7 5.2 0.0 0.5

CUM.

4.1 8.7 15.8 21.4 32.2 38.2 44.1 48.0 51.4 52.5 55.1 61.7 63.3 67.1 72.7 89.6 94.4 99.5 99.5 100.0

PERCENTAGE f

3 4 1 0 2 0 0 0 1 0 1 1 0 0 0 0 0 0 0 0 13

BAND

3 7 8 8 10 10 10 10 11 11 12 13 13 13 13 13 13 13 13 13

23.1 30.8 7.7 0.0 15.4 0.0 0.0 0.0 7.7 0.0 7.7 7.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

23.1 53.9 61.5 61.5 76.9 76.9 76.9 76.9 84.6 84.6 92.3 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

108.1 174.0 12.0 0.0 22.5 0.0 0.0 0.0 0.0 0.0 8.9 74.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

108.1 282.0 294.0 294.0 316.5 316.5 316.5 316.5 316.5 316.5 325.4 399.9 399.9 399.9 399.9 399.9 399.9 399.9 399.9 399.9

BAND

27.0 43.5 3.0 0.0 5.6 0.0 0.0 0.0 0.0 0.0 2.2 18.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

27.0 70.5 73.5 73.5 79.2 79.2 79.2 79.2 79.2 79.2 81.4 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

54.2 75.5 3.5 0.0 4.2 0.0 0.0 0.0 0.0 0.0 6.9 22.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM

54.2 65.6 37.8 27.9 19.9 16.8 14.6 13.4 12.5 12.2 12.0 13.2 12.8 12.1 11.2 9.1 8.6 8.2 8.2 8.1

399.9

8.1

Page 80 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 16

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

KALIMANTAN SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2,773 1,237 981 433 457 180 137 93 51 33 26 19 9 12 13 12 10 7 4 1 6,488

2,773 4,010 4,991 5,424 5,881 6,061 6,198 6,291 6,342 6,375 6,401 6,420 6,429 6,441 6,454 6,466 6,476 6,483 6,487 6,488

BAND

42.7 19.1 15.1 6.7 7.0 2.8 2.1 1.4 0.8 0.5 0.4 0.3 0.1 0.2 0.2 0.2 0.2 0.1 0.1 0.0

CUM.

42.7 61.8 76.9 83.6 90.6 93.4 95.5 97.0 97.8 98.3 98.7 99.0 99.1 99.3 99.5 99.7 99.8 99.9 100.0 100.0

PERCENTAGE rp

721.7 333.0 613.4 512.2 768.5 529.9 546.0 479.0 377.1 248.7 189.3 240.6 344.4 183.6 322.0 485.8 849.7 1,217.5 728.4 972.8 10,663.5

721.7 1054.7 1668.1 2180.3 2948.8 3478.7 4024.7 4503.7 4880.8 5129.4 5318.7 5559.3 5903.7 6087.3 6409.3 6895.0 7744.7 8962.2 9690.7 10663.5

BAND

6.8 3.1 5.8 4.8 7.2 5.0 5.1 4.5 3.5 2.3 1.8 2.3 3.2 1.7 3.0 4.6 8.0 11.4 6.8 9.1

CUM.

6.8 9.9 15.6 20.5 27.7 32.6 37.7 42.2 45.8 48.1 49.9 52.1 55.4 57.1 60.1 64.7 72.6 84.1 90.9 100.0

PERCENTAGE f

5 1 3 2 1 4 1 1 2 1 0 0 0 0 0 0 2 0 2 0 25

BAND

5 6 9 11 12 16 17 18 20 21 21 21 21 21 21 21 23 23 25 25

20.0 4.0 12.0 8.0 4.0 16.0 4.0 4.0 8.0 4.0 0.0 0.0 0.0 0.0 0.0 0.0 8.0 0.0 8.0 0.0

CUM.

20.0 24.0 36.0 44.0 48.0 64.0 68.0 72.0 80.0 84.0 84.0 84.0 84.0 84.0 84.0 84.0 92.0 92.0 100.0 100.0

PERCENTAGE rp

93.4 49.8 71.1 180.1 175.4 658.3 170.9 1,106.1 238.1 2.4 0.0 0.0 0.0 0.0 0.0 0.0 10.0 0.0 457.8 0.0 3,213.2

93.4 143.1 214.3 394.4 569.7 1,228.0 1,398.9 2,505.0 2,743.1 2,745.4 2,745.4 2,745.4 2,745.4 2,745.4 2,745.4 2,745.4 2,755.4 2,755.4 3,213.2 3,213.2

BAND

2.9 1.6 2.2 5.6 5.5 20.5 5.3 34.4 7.4 0.1 0.0 0.0 0.0 0.0 0.0 0.0 0.3 0.0 14.3 0.0

CUM.

2.9 4.5 6.7 12.3 17.7 38.2 43.5 78.0 85.4 85.4 85.4 85.4 85.4 85.4 85.4 85.4 85.8 85.8 100.0 100.0

PERCENTAGE BAND

12.9 14.9 11.6 35.2 22.8 124.2 31.3 230.9 63.1 1.0 0.0 0.0 0.0 0.0 0.0 0.0 1.2 0.0 62.9 0.0

CUM

12.9 13.6 12.9 18.1 19.3 35.3 34.8 55.6 56.2 53.5 51.6 49.4 46.5 45.1 42.8 39.8 35.6 30.8 33.2 30.1 30.1

Page 81 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 17

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

KALIMANTAN TIMUR

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2,492 2,302 2,303 1,056 944 373 266 168 78 32 37 41 25 34 17 43 39 20 12 7 10,289

2,492 4,794 7,097 8,153 9,097 9,470 9,736 9,904 9,982 10,014 10,051 10,092 10,117 10,151 10,168 10,211 10,250 10,270 10,282 10,289

BAND

24.2 22.4 22.4 10.3 9.2 3.6 2.6 1.6 0.8 0.3 0.4 0.4 0.2 0.3 0.2 0.4 0.4 0.2 0.1 0.1

CUM.

24.2 46.6 69.0 79.2 88.4 92.0 94.6 96.3 97.0 97.3 97.7 98.1 98.3 98.7 98.8 99.2 99.6 99.8 99.9 100.0

PERCENTAGE rp

479.8 655.0 1,448.4 1,172.7 1,717.6 1,082.3 947.0 688.2 448.0 300.3 226.5 287.9 349.5 447.7 335.5 1,130.3 2,014.2 1,171.2 3,602.5 6,080.7 24,585.0

479.8 1134.8 2583.2 3755.8 5473.4 6555.7 7502.7 8190.8 8638.8 8939.2 9165.6 9453.5 9802.9 10250.6 10586.1 11716.4 13730.6 14901.8 18504.3 24585.0

BAND

2.0 2.7 5.9 4.8 7.0 4.4 3.9 2.8 1.8 1.2 0.9 1.2 1.4 1.8 1.4 4.6 8.2 4.8 14.7 24.7

CUM.

2.0 4.6 10.5 15.3 22.3 26.7 30.5 33.3 35.1 36.4 37.3 38.5 39.9 41.7 43.1 47.7 55.9 60.6 75.3 100.0

PERCENTAGE f

12 9 4 5 1 1 2 1 2 0 0 0 1 0 0 1 3 0 3 0 45

BAND

12 21 25 30 31 32 34 35 37 37 37 37 38 38 38 39 42 42 45 45

26.7 20.0 8.9 11.1 2.2 2.2 4.4 2.2 4.4 0.0 0.0 0.0 2.2 0.0 0.0 2.2 6.7 0.0 6.7 0.0

CUM.

26.7 46.7 55.6 66.7 68.9 71.1 75.6 77.8 82.2 82.2 82.2 82.2 84.4 84.4 84.4 86.7 93.3 93.3 100.0 100.0

PERCENTAGE rp

256.4 617.1 318.7 359.0 308.2 1,239.9 88.5 3.5 1,855.7 0.0 0.0 0.0 191.3 0.0 0.0 24.0 536.4 0.0 3,226.5 0.0 9,025.2

256.4 873.6 1,192.3 1,551.3 1,859.5 3,099.4 3,187.8 3,191.3 5,047.0 5,047.0 5,047.0 5,047.0 5,238.3 5,238.3 5,238.3 5,262.3 5,798.7 5,798.7 9,025.2 9,025.2

BAND

2.8 6.8 3.5 4.0 3.4 13.7 1.0 0.0 20.6 0.0 0.0 0.0 2.1 0.0 0.0 0.3 5.9 0.0 35.8 0.0

CUM.

2.8 9.7 13.2 17.2 20.6 34.3 35.3 35.4 55.9 55.9 55.9 55.9 58.0 58.0 58.0 58.3 64.3 64.3 100.0 100.0

PERCENTAGE BAND

53.4 94.2 22.0 30.6 18.0 114.6 9.3 0.5 414.2 0.0 0.0 0.0 54.7 0.0 0.0 2.1 26.6 0.0 89.6 0.0

CUM

53.4 77.0 46.2 41.3 34.0 47.3 42.5 39.0 58.4 56.5 55.1 53.4 53.4 51.1 49.5 44.9 42.2 38.9 48.8 36.7 36.7

Page 82 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 18

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

SULAWESI UTARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2,158 1,289 1,031 513 532 241 188 111 61 33 20 17 21 17 9 10 4 1 5 0 6,261

2,158 3,447 4,478 4,991 5,523 5,764 5,952 6,063 6,124 6,157 6,177 6,194 6,215 6,232 6,241 6,251 6,255 6,256 6,261 6,261

BAND

34.5 20.6 16.5 8.2 8.5 3.9 3.0 1.8 1.0 0.5 0.3 0.3 0.3 0.3 0.1 0.2 0.1 0.0 0.1 0.0

CUM.

34.5 55.1 71.5 79.7 88.2 92.1 95.1 96.8 97.8 98.3 98.7 98.9 99.3 99.5 99.7 99.8 99.9 99.9 100.0 100.0

PERCENTAGE rp

272.5 1,412.2 520.1 481.7 805.7 584.5 654.7 465.0 500.0 262.2 180.5 148.8 280.3 299.6 147.4 284.4 252.9 22.1 90.0 0.0 7,664.5

272.5 1684.7 2204.8 2686.4 3492.1 4076.6 4731.4 5196.4 5696.4 5958.6 6139.1 6287.9 6568.2 6867.7 7015.1 7299.5 7552.4 7574.5 7664.5 7664.5

BAND

3.6 18.4 6.8 6.3 10.5 7.6 8.5 6.1 6.5 3.4 2.4 1.9 3.7 3.9 1.9 3.7 3.3 0.3 1.2 0.0

CUM.

3.6 22.0 28.8 35.1 45.6 53.2 61.7 67.8 74.3 77.7 80.1 82.0 85.7 89.6 91.5 95.2 98.5 98.8 100.0 100.0

PERCENTAGE f

4 1 1 0 1 1 0 1 3 0 0 0 0 1 0 0 0 0 0 0 13

BAND

4 5 6 6 7 8 8 9 12 12 12 12 12 13 13 13 13 13 13 13

30.8 7.7 7.7 0.0 7.7 7.7 0.0 7.7 23.1 0.0 0.0 0.0 0.0 7.7 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

30.8 38.5 46.2 46.2 53.9 61.5 61.5 69.2 92.3 92.3 92.3 92.3 92.3 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

293.3 243.3 122.8 0.0 50.9 61.5 0.0 1,812.1 881.5 0.0 0.0 0.0 0.0 48.8 0.0 0.0 0.0 0.0 0.0 0.0 3,514.1

293.3 536.6 659.4 659.4 710.2 771.7 771.7 2,583.8 3,465.3 3,465.3 3,465.3 3,465.3 3,465.3 3,514.1 3,514.1 3,514.1 3,514.1 3,514.1 3,514.1 3,514.1

BAND

8.4 6.9 3.5 0.0 1.5 1.8 0.0 51.6 25.1 0.0 0.0 0.0 0.0 1.4 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

8.4 15.3 18.8 18.8 20.2 22.0 22.0 73.5 98.6 98.6 98.6 98.6 98.6 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

107.6 17.2 23.6 0.0 6.3 10.5 0.0 389.7 176.3 0.0 0.0 0.0 0.0 16.3 0.0 0.0 0.0 0.0 0.0 0.0

CUM

107.6 31.9 29.9 24.5 20.3 18.9 16.3 49.7 60.8 58.2 56.5 55.1 52.8 51.2 50.1 48.1 46.5 46.4 45.9 45.9 45.9

Page 83 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 19

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

SULAWESI TENGAH

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

839 532 517 249 258 99 67 36 19 12 4 6 5 1 5 2 0 0 0 0 2,651

839 1,371 1,888 2,137 2,395 2,494 2,561 2,597 2,616 2,628 2,632 2,638 2,643 2,644 2,649 2,651 2,651 2,651 2,651 2,651

BAND

31.7 20.1 19.5 9.4 9.7 3.7 2.5 1.4 0.7 0.5 0.2 0.2 0.2 0.0 0.2 0.1 0.0 0.0 0.0 0.0

CUM.

31.7 51.7 71.2 80.6 90.3 94.1 96.6 98.0 98.7 99.1 99.3 99.5 99.7 99.7 99.9 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

167.1 183.5 358.8 328.5 537.5 279.0 275.1 200.6 133.1 120.4 42.9 51.7 54.6 19.3 63.0 197.4 0.0 0.0 0.0 0.0 3,012.5

167.1 350.6 709.4 1037.9 1575.4 1854.4 2129.6 2330.2 2463.3 2583.6 2626.5 2678.2 2732.8 2752.1 2815.1 3012.5 3012.5 3012.5 3012.5 3012.5

BAND

5.6 6.1 11.9 10.9 17.8 9.3 9.1 6.7 4.4 4.0 1.4 1.7 1.8 0.6 2.1 6.6 0.0 0.0 0.0 0.0

CUM.

5.6 11.6 23.6 34.5 52.3 61.6 70.7 77.4 81.8 85.8 87.2 88.9 90.7 91.4 93.5 100.0 100.0 100.0 100.0 100.0

PERCENTAGE f

1 3 1 0 2 0 0 0 0 0 1 0 2 0 0 0 0 0 0 0 10

BAND

1 4 5 5 7 7 7 7 7 7 8 8 10 10 10 10 10 10 10 10

10.0 30.0 10.0 0.0 20.0 0.0 0.0 0.0 0.0 0.0 10.0 0.0 20.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

10.0 40.0 50.0 50.0 70.0 70.0 70.0 70.0 70.0 70.0 80.0 80.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

38.0 311.8 88.3 0.0 54.0 0.0 0.0 0.0 0.0 0.0 80.0 0.0 1,001.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,573.7

38.0 349.8 438.1 438.1 492.2 492.2 492.2 492.2 492.2 492.2 572.2 572.2 1,573.7 1,573.7 1,573.7 1,573.7 1,573.7 1,573.7 1,573.7 1,573.7

BAND

2.4 19.8 5.6 0.0 3.4 0.0 0.0 0.0 0.0 0.0 5.1 0.0 63.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

2.4 22.2 27.8 27.8 31.3 31.3 31.3 31.3 31.3 31.3 36.4 36.4 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

22.8 169.9 24.6 0.0 10.1 0.0 0.0 0.0 0.0 0.0 186.6 0.0 1,834.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM

22.8 99.8 61.8 42.2 31.2 26.5 23.1 21.1 20.0 19.1 21.8 21.4 57.6 57.2 55.9 52.2 52.2 52.2 52.2 52.2 52.2

Page 84 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

SULAWESI SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

3,401 1,937 1,676 756 631 282 213 136 75 54 35 46 27 36 15 24 19 4 2 6 9,375

3,401 5,338 7,014 7,770 8,401 8,683 8,896 9,032 9,107 9,161 9,196 9,242 9,269 9,305 9,320 9,344 9,363 9,367 9,369 9,375

BAND

36.3 20.7 17.9 8.1 6.7 3.0 2.3 1.5 0.8 0.6 0.4 0.5 0.3 0.4 0.2 0.3 0.2 0.0 0.0 0.1

CUM.

36.3 56.9 74.8 82.9 89.6 92.6 94.9 96.3 97.1 97.7 98.1 98.6 98.9 99.3 99.4 99.7 99.9 99.9 99.9 100.0

PERCENTAGE rp

404.4 526.5 1,065.3 764.7 1,037.9 677.6 696.0 586.6 429.1 379.8 306.5 513.3 316.1 642.4 184.6 677.4 1,042.0 592.1 471.2 1,742.4 13,055.7

404.4 931.0 1996.2 2760.9 3798.8 4476.3 5172.3 5758.9 6188.0 6567.8 6874.3 7387.7 7703.7 8346.1 8530.7 9208.1 10250.1 10842.2 11313.4 13055.7

BAND

3.1 4.0 8.2 5.9 8.0 5.2 5.3 4.5 3.3 2.9 2.4 3.9 2.4 4.9 1.4 5.2 8.0 4.5 3.6 13.4

CUM.

3.1 7.1 15.3 21.2 29.1 34.3 39.6 44.1 47.4 50.3 52.7 56.6 59.0 63.9 65.3 70.5 78.5 83.1 86.7 100.0

PERCENTAGE f

4 3 8 1 5 1 0 0 0 0 0 1 0 0 0 2 5 1 0 0 31

BAND

4 7 15 16 21 22 22 22 22 22 22 23 23 23 23 25 30 31 31 31

12.9 9.7 25.8 3.2 16.1 3.2 0.0 0.0 0.0 0.0 0.0 3.2 0.0 0.0 0.0 6.5 16.1 3.2 0.0 0.0

CUM.

12.9 22.6 48.4 51.6 67.7 71.0 71.0 71.0 71.0 71.0 71.0 74.2 74.2 74.2 74.2 80.7 96.8 100.0 100.0 100.0

PERCENTAGE rp

68.8 257.9 630.9 128.1 859.0 286.5 0.0 0.0 0.0 0.0 0.0 889.7 0.0 0.0 0.0 117.8 55.5 8.0 0.0 0.0 3,302.2

68.8 326.7 957.6 1,085.7 1,944.7 2,231.2 2,231.2 2,231.2 2,231.2 2,231.2 2,231.2 3,120.9 3,120.9 3,120.9 3,120.9 3,238.7 3,294.2 3,302.2 3,302.2 3,302.2

BAND

2.1 7.8 19.1 3.9 26.0 8.7 0.0 0.0 0.0 0.0 0.0 26.9 0.0 0.0 0.0 3.6 1.7 0.2 0.0 0.0

CUM.

2.1 9.9 29.0 32.9 58.9 67.6 67.6 67.6 67.6 67.6 67.6 94.5 94.5 94.5 94.5 98.1 99.8 100.0 100.0 100.0

PERCENTAGE BAND

17.0 49.0 59.2 16.8 82.8 42.3 0.0 0.0 0.0 0.0 0.0 173.3 0.0 0.0 0.0 17.4 5.3 1.4 0.0 0.0

CUM

17.0 35.1 48.0 39.3 51.2 49.8 43.1 38.7 36.1 34.0 32.5 42.2 40.5 37.4 36.6 35.2 32.1 30.5 29.2 25.3 25.3

Page 85 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 21

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

SULAWESI TENGGARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

419 260 200 100 80 36 12 9 3 2 1 2 3 1 1 3 1 0 0 0 1,133

419 679 879 979 1,059 1,095 1,107 1,116 1,119 1,121 1,122 1,124 1,127 1,128 1,129 1,132 1,133 1,133 1,133 1,133

BAND

37.0 23.0 17.7 8.8 7.1 3.2 1.1 0.8 0.3 0.2 0.1 0.2 0.3 0.1 0.1 0.3 0.1 0.0 0.0 0.0

CUM.

37.0 59.9 77.6 86.4 93.5 96.7 97.7 98.5 98.8 98.9 99.0 99.2 99.5 99.6 99.7 99.9 100.0 100.0 100.0 100.0

PERCENTAGE rp

43.1 69.5 132.2 131.3 140.3 106.6 46.6 36.6 29.2 25.6 7.6 5.1 31.8 3.5 1.5 17.3 3.3 0.0 0.0 0.0 830.9

43.1 112.6 244.7 376.0 516.4 623.0 669.5 706.1 735.3 760.9 768.5 773.6 805.4 808.8 810.3 827.6 830.9 830.9 830.9 830.9

BAND

5.2 8.4 15.9 15.8 16.9 12.8 5.6 4.4 3.5 3.1 0.9 0.6 3.8 0.4 0.2 2.1 0.4 0.0 0.0 0.0

CUM.

5.2 13.6 29.5 45.3 62.2 75.0 80.6 85.0 88.5 91.6 92.5 93.1 96.9 97.3 97.5 99.6 100.0 100.0 100.0 100.0

PERCENTAGE f

1 1 0 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4

BAND

1 2 2 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4

25.0 25.0 0.0 50.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

25.0 50.0 50.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

3.5 68.7 0.0 438.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

3.5 72.2 72.2 510.2 510.2 510.2 510.2 510.2 510.2 510.2 510.2 510.2 510.2 510.2 510.2 510.2 510.2 510.2 510.2 510.2

510.2

BAND

0.7 13.5 0.0 85.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

0.7 14.2 14.2 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

8.2 98.8 0.0 333.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM

8.2 64.1 29.5 135.7 98.8 81.9 76.2 72.3 69.4 67.1 66.4 66.0 63.4 63.1 63.0 61.7 61.4 61.4 61.4 61.4 61.4

Page 86 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 22

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

BALI

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

1,666 1,279 1,323 787 832 441 311 284 119 70 70 70 33 48 35 39 30 12 21 4 7,474

1,666 2,945 4,268 5,055 5,887 6,328 6,639 6,923 7,042 7,112 7,182 7,252 7,285 7,333 7,368 7,407 7,437 7,449 7,470 7,474

BAND

22.3 17.1 17.7 10.5 11.1 5.9 4.2 3.8 1.6 0.9 0.9 0.9 0.4 0.6 0.5 0.5 0.4 0.2 0.3 0.1

CUM.

22.3 39.4 57.1 67.6 78.8 84.7 88.8 92.6 94.2 95.2 96.1 97.0 97.5 98.1 98.6 99.1 99.5 99.7 99.9 100.0

PERCENTAGE rp

277.3 294.8 584.1 590.8 1,073.9 758.6 725.0 964.7 563.3 369.3 440.9 533.4 384.0 523.6 366.5 594.8 807.3 806.4 2,433.8 946.7 14,039.3

277.3 572.1 1,156.3 1,747.1 2,821.0 3,579.6 4,304.6 5,269.3 5,832.6 6,201.9 6,642.8 7,176.2 7,560.2 8,083.8 8,450.3 9,045.1 9,852.4 10,658.8 13,092.6 14,039.3

BAND

2.0 2.1 4.2 4.2 7.6 5.4 5.2 6.9 4.0 2.6 3.1 3.8 2.7 3.7 2.6 4.2 5.8 5.7 17.3 6.7

CUM.

2.0 4.1 8.2 12.4 20.1 25.5 30.7 37.5 41.5 44.2 47.3 51.1 53.9 57.6 60.2 64.4 70.2 75.9 93.3 100.0

PERCENTAGE f

3 0 2 2 5 2 3 3 0 0 2 2 0 2 3 2 7 7 1 0 46

BAND

3 3 5 7 12 14 17 20 20 20 22 24 24 26 29 31 38 45 46 46

6.5 0.0 4.4 4.4 10.9 4.4 6.5 6.5 0.0 0.0 4.4 4.4 0.0 4.4 6.5 4.4 15.2 15.2 2.2 0.0

CUM.

6.5 6.5 10.9 15.2 26.1 30.4 37.0 43.5 43.5 43.5 47.8 52.2 52.2 56.5 63.0 67.4 82.6 97.8 100.0 100.0

PERCENTAGE rp

1,318.9 0.0 18.6 9.3 81.4 21.8 7.9 1,055.9 0.0 0.0 8.4 101.8 0.0 580.2 53.1 42.8 190.9 13,345.5 24.9 0.0 16,861.5

1,318.9 1,318.9 1,337.5 1,346.8 1,428.2 1,450.0 1,457.9 2,513.8 2,513.8 2,513.8 2,522.2 2,624.0 2,624.0 3,204.3 3,257.3 3,300.1 3,491.0 16,836.6 16,861.5 16,861.5

BAND

7.8 0.0 0.1 0.1 0.5 0.1 0.1 6.3 0.0 0.0 0.1 0.6 0.0 3.4 0.3 0.3 1.1 79.2 0.2 0.0

CUM.

PERCENTAGE BAND

7.8 475.6 7.8 0.0 7.9 3.2 8.0 1.6 8.5 7.6 8.6 2.9 8.7 1.1 14.9 109.5 14.9 0.0 14.9 0.0 15.0 1.9 15.6 19.1 15.6 0.0 19.0 110.8 19.3 14.5 19.6 7.2 20.7 23.6 99.9 1,655.0 100.0 1.0 100.0 0.0

CUM.

475.6 230.5 115.7 77.1 50.6 40.5 33.9 47.7 43.1 40.5 38.0 36.6 34.7 39.6 38.5 36.5 35.4 158.0 128.8 120.1 120.1

Page 87 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 23

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

NUSA TEGGARA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

540 275 215 97 117 63 31 32 14 13 8 11 5 11 3 6 6 1 2 0 1,450

540 815 1,030 1,127 1,244 1,307 1,338 1,370 1,384 1,397 1,405 1,416 1,421 1,432 1,435 1,441 1,447 1,448 1,450 1,450

BAND

37.2 19.0 14.8 6.7 8.1 4.3 2.1 2.2 1.0 0.9 0.6 0.8 0.3 0.8 0.2 0.4 0.4 0.1 0.1 0.0

CUM.

37.2 56.2 71.0 77.7 85.8 90.1 92.3 94.5 95.5 96.3 96.9 97.7 98.0 98.8 99.0 99.4 99.8 99.9 100.0 100.0

PERCENTAGE rp

59.0 102.8 153.8 132.4 226.5 224.2 124.3 129.6 102.1 69.3 45.3 78.9 36.5 87.2 29.0 119.8 274.8 100.8 414.8 0.0 2,511.2

59.0 161.8 315.6 448.0 674.5 898.7 1023.0 1152.6 1254.7 1324.0 1369.2 1448.1 1484.7 1571.9 1601.0 1720.8 1995.6 2096.4 2511.2 2511.2

BAND

2.4 4.1 6.1 5.3 9.0 8.9 5.0 5.2 4.1 2.8 1.8 3.1 1.5 3.5 1.2 4.8 10.9 4.0 16.5 0.0

CUM.

2.4 6.4 12.6 17.8 26.9 35.8 40.7 45.9 50.0 52.7 54.5 57.7 59.1 62.6 63.8 68.5 79.5 83.5 100.0 100.0

PERCENTAGE f

1 0 6 0 2 5 0 1 0 0 0 0 0 0 4 5 1 0 0 0 25

BAND

1 1 7 7 9 14 14 15 15 15 15 15 15 15 19 24 25 25 25 25

4.0 0.0 24.0 0.0 8.0 20.0 0.0 4.0 0.0 0.0 0.0 0.0 0.0 0.0 16.0 20.0 4.0 0.0 0.0 0.0

CUM.

4.0 4.0 28.0 28.0 36.0 56.0 56.0 60.0 60.0 60.0 60.0 60.0 60.0 60.0 76.0 96.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

1.0 0.0 424.2 0.0 3.0 700.9 0.0 627.8 0.0 0.0 0.0 0.0 0.0 0.0 16.0 178.8 59.7 0.0 0.0 0.0 2,011.5

1.0 1.0 425.2 425.2 428.2 1,129.2 1,129.2 1,757.0 1,757.0 1,757.0 1,757.0 1,757.0 1,757.0 1,757.0 1,772.9 1,951.7 2,011.5 2,011.5 2,011.5 2,011.5

BAND

0.1 0.0 21.1 0.0 0.2 34.9 0.0 31.2 0.0 0.0 0.0 0.0 0.0 0.0 0.8 8.9 3.0 0.0 0.0 0.0

CUM.

0.1 0.1 21.1 21.1 21.3 56.1 56.1 87.4 87.4 87.4 87.4 87.4 87.4 87.4 88.1 97.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

1.7 0.0 275.8 0.0 1.3 312.6 0.0 484.6 0.0 0.0 0.0 0.0 0.0 0.0 54.9 149.2 21.7 0.0 0.0 0.0

CUM

1.7 0.6 134.7 94.9 63.5 125.6 110.4 152.4 140.0 132.7 128.3 121.3 118.3 111.8 110.7 113.4 100.8 96.0 80.1 80.1 80.1

Page 88 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 24

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

NUSA TEGGARA TIMUR

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

391 292 279 162 154 63 41 24 16 8 7 4 2 3 0 1 4 1 0 0 1,452

391 683 962 1,124 1,278 1,341 1,382 1,406 1,422 1,430 1,437 1,441 1,443 1,446 1,446 1,447 1,451 1,452 1,452 1,452

BAND

26.9 20.1 19.2 11.2 10.6 4.3 2.8 1.7 1.1 0.6 0.5 0.3 0.1 0.2 0.0 0.1 0.3 0.1 0.0 0.0

CUM.

26.9 47.0 66.3 77.4 88.0 92.4 95.2 96.8 97.9 98.5 99.0 99.2 99.4 99.6 99.6 99.7 99.9 100.0 100.0 100.0

PERCENTAGE rp

56.1 114.7 243.2 243.9 355.0 217.5 193.9 139.6 100.3 63.9 52.6 13.5 19.8 44.7 0.0 45.8 69.1 74.0 0.0 0.0 2,047.5

56.1 170.8 413.9 657.8 1012.8 1230.3 1424.2 1563.8 1664.1 1728.0 1780.6 1794.1 1813.9 1858.6 1858.6 1904.4 1973.5 2047.5 2047.5 2047.5

BAND

2.7 5.6 11.9 11.9 17.3 10.6 9.5 6.8 4.9 3.1 2.6 0.7 1.0 2.2 0.0 2.2 3.4 3.6 0.0 0.0

CUM.

2.7 8.3 20.2 32.1 49.5 60.1 69.6 76.4 81.3 84.4 87.0 87.6 88.6 90.8 90.8 93.0 96.4 100.0 100.0 100.0

PERCENTAGE f

2 1 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 4

BAND

2 3 3 3 3 3 3 4 4 4 4 4 4 4 4 4 4 4 4 4

50.0 25.0 0.0 0.0 0.0 0.0 0.0 25.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

50.0 75.0 75.0 75.0 75.0 75.0 75.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

28.5 6.2 0.0 0.0 0.0 0.0 0.0 122.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

28.5 34.6 34.6 34.6 34.6 34.6 34.6 156.6 156.6 156.6 156.6 156.6 156.6 156.6 156.6 156.6 156.6 156.6 156.6 156.6

BAND

18.2 3.9 0.0 0.0 0.0 0.0 0.0 77.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM.

18.2 22.1 22.1 22.1 22.1 22.1 22.1 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

PERCENTAGE BAND

50.8 5.4 0.0 0.0 0.0 0.0 0.0 87.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

CUM

50.8 20.3 8.4 5.3 3.4 2.8 2.4 10.0 9.4 9.1 8.8 8.7 8.6 8.4 8.4 8.2 7.9 7.7 7.7 7.7

156.6

7.7

Page 89 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 25

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/03/2004

MALUKU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

142 114 99 63 72 48 33 19 17 3 5 2 3 8 5 3 12 0 1 0 649

BAND

142 256 355 418 490 538 571 590 607 610 615 617 620 628 633 636 648 648 649 649

21.9 17.6 15.3 9.7 11.1 7.4 5.1 2.9 2.6 0.5 0.8 0.3 0.5 1.2 0.8 0.5 1.9 0.0 0.2 0.0

CUM.

21.9 39.5 54.7 64.4 75.5 82.9 88.0 90.9 93.5 94.0 94.8 95.1 95.5 96.8 97.5 98.0 99.9 99.9 100.0 100.0

PERCENTAGE rp

17.6 36.8 74.6 85.2 178.8 162.8 133.2 89.3 114.8 33.2 34.8 4.0 50.6 95.3 110.6 195.1 627.4 0.0 1,809.3 0.0 3,853.4

17.6 54.4 129.0 214.2 393.0 555.8 689.0 778.3 893.1 926.3 961.0 965.0 1015.6 1110.9 1221.5 1416.6 2044.1 2044.1 3853.4 3853.4

BAND

0.5 1.0 1.9 2.2 4.6 4.2 3.5 2.3 3.0 0.9 0.9 0.1 1.3 2.5 2.9 5.1 16.3 0.0 47.0 0.0

CUM.

0.5 1.4 3.4 5.6 10.2 14.4 17.9 20.2 23.2 24.0 24.9 25.0 26.4 28.8 31.7 36.8 53.1 53.1 100.0 100.0

PERCENTAGE f

0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 2 0 0 0 4

BAND

0 1 1 1 2 2 2 2 2 2 2 2 2 2 2 2 4 4 4 4

0.0 25.0 0.0 0.0 25.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 50.0 0.0 0.0 0.0

CUM.

0.0 25.0 25.0 25.0 50.0 50.0 50.0 50.0 50.0 50.0 50.0 50.0 50.0 50.0 50.0 50.0 100.0 100.0 100.0 100.0

PERCENTAGE rp

0.0 64.0 0.0 0.0 55.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 53.9 0.0 0.0 0.0

0.0 64.0 64.0 64.0 119.4 119.4 119.4 119.4 119.4 119.4 119.4 119.4 119.4 119.4 119.4 119.4 173.3 173.3 173.3 173.3

BAND

0.0 36.9 0.0 0.0 32.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 31.1 0.0 0.0 0.0

PERCENTAGE

CUM.

BAND

0.0 36.9 36.9 36.9 68.9 68.9 68.9 68.9 68.9 68.9 68.9 68.9 68.9 68.9 68.9 68.9 100.0 100.0 100.0 100.0

0.0 173.8 0.0 0.0 31.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 8.6 0.0 0.0 0.0

CUM

0.0 117.7 49.6 29.9 30.4 21.5 17.3 15.3 13.4 12.9 12.4 12.4 11.8 10.8 9.8 8.4 8.5 8.5 4.5 4.5

173.3

4.5

Page 90 of 138

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 26

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2003

15/04/2004

IRIAN JAYA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

341 260 303 177 191 64 47 41 21 12 9 12 3 6 1 4 7 0 4 0 1,504

341 601 904 1,081 1,272 1,336 1,383 1,424 1,445 1,457 1,466 1,478 1,481 1,487 1,488 1,492 1,499 1,499 1,504 1,504

BAND

22.7 17.3 20.2 11.8 12.7 4.3 3.1 2.7 1.4 0.8 0.6 0.8 0.2 0.4 0.1 0.3 0.5 0.0 0.3 0.0

CUM.

22.7 40.0 60.2 71.9 84.6 88.9 92.0 94.7 96.1 96.9 97.5 98.3 98.5 98.9 99.0 99.3 99.7 99.7 100.0 100.0

PERCENTAGE rp

47.9 94.4 248.9 246.6 433.2 212.0 165.7 294.5 139.4 99.2 79.4 125.6 17.0 82.5 6.0 64.9 663.1 0.0 1,316.4 0.0 4,336.8

47.9 142.3 391.3 637.9 1071.0 1283.0 1448.6 1743.1 1882.6 1981.8 2061.2 2186.8 2203.7 2286.3 2292.3 2357.2 3020.4 3020.4 4336.8 4336.8

BAND

1.1 2.2 5.7 5.7 10.0 4.9 3.8 6.8 3.2 2.3 1.8 2.9 0.4 1.9 0.1 1.5 15.3 0.0 30.4 0.0

CUM.

1.1 3.3 9.0 14.7 24.7 29.6 33.4 40.2 43.4 45.7 47.5 50.4 50.8 52.7 52.9 54.4 69.7 69.7 100.0 100.0

PERCENTAGE f

1 2 0 1 3 0 0 0 0 0 0 0 0 1 0 1 2 0 1 0 12

BAND

1 3 3 4 7 7 7 7 7 7 7 7 7 8 8 9 11 11 12 12

8.3 16.7 0.0 8.3 25.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 8.3 0.0 8.3 16.7 0.0 8.3 0.0

CUM.

8.3 25.0 25.0 33.3 58.3 58.3 58.3 58.3 58.3 58.3 58.3 58.3 58.3 66.7 66.7 75.0 91.7 91.7 100.0 100.0

PERCENTAGE rp

40.5 51.5 0.0 250.0 229.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 16.2 0.0 100.0 4.9 0.0 9.9 0.0

40.5 92.0 92.0 342.0 571.4 571.4 571.4 571.4 571.4 571.4 571.4 571.4 571.4 587.6 587.6 687.5 692.5 692.5 702.3 702.3

702.3

BAND

5.8 7.3 0.0 35.6 32.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2.3 0.0 14.2 0.7 0.0 1.4 0.0

PERCENTAGE

CUM.

BAND

5.8 13.1 13.1 48.7 81.4 81.4 81.4 81.4 81.4 81.4 81.4 81.4 81.4 83.7 83.7 97.9 98.6 98.6 100.0 100.0

84.5 54.5 0.0 101.4 53.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 19.6 0.0 153.9 0.7 0.0 0.8 0.0

CUM

84.5 64.6 23.5 53.6 53.4 44.5 39.4 32.8 30.4 28.8 27.7 26.1 25.9 25.7 25.6 29.2 22.9 22.9 16.2 16.2 16.2

Page 91 of 138

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 BPPDAN Phone No.: 334208 Ext.3163/3164 Fax No.: 3911432

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: All Code

SUM INSURED BAND

PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2002

15/12/2003

DATE

15/03/2004

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

DATA POSITION FROM

PERCENTAGE f

25.00 75.00 150.00 250.00 400.00 625.00 875.00 1.25 1.75 2.25 2.75 3.50 4.50 6.25 8.75 15.00 35.00 75.00 300.00

86.792 78.305 88.583 47.538 46.483 21.548 15.941 11.709 6.380 3.487 2.831 3.246 2.270 2.840 1.817 2.821 2.451 1.030 1.022 405

86.792 165.097 253.680 301.218 347.701 369.249 385.190 396.899 403.279 406.766 409.597 412.843 415.113 417.953 419.770 422.591 425.042 426.072 427.094 427.499

BAND

CUM.

20.30 20.30 18.32 38.62 20.72 59.34 11.12 70.46 10.87 81.33 5.04 86.37 3.73 90.10 2.74 92.84 1.49 94.33 0.82 95.15 0.66 95.81 0.76 96.57 0.53 97.10 0.66 97.77 0.43 98.19 0.66 98.85 0.57 99.43 0.24 99.67 0.24 99.91 0.09 100.00

PERCENTAGE rp

42,635.96 19,057.76 38,017.81 33,315.97 52,876.32 35,722.85 39,731.00 38,986.32 28,874.65 19,143.10 17,961.68 24,353.78 22,386.82 35,931.92 26,979.10 63,529.68 92,821.57 78,663.68 153,043.72 104,354.34

42,635.96 61,693.72 99,711.53 133,027.50 185,903.82 221,626.67 261,357.67 300,343.98 329,218.63 348,361.73 366,323.42 390,677.19 413,064.02 448,995.93 475,975.03 539,504.71 632,326.28 710,989.96 864,033.68 968,388.02

TOTAL 427.499 968,388.02 Catatan / Note : Data belum termasuk Klaim Fire yang tidak ada Polisnya Rp.122.097.100.318,06 - Freq. Klaim 1,122

BAND

4.40 1.97 3.93 3.44 5.46 3.69 4.10 4.03 2.98 1.98 1.85 2.51 2.31 3.71 2.79 6.56 9.59 8.12 15.80 10.78

CUM.

4.40 6.37 10.30 13.74 19.20 22.89 26.99 31.01 34.00 35.97 37.83 40.34 42.65 46.37 49.15 55.71 65.30 73.42 89.22 100.00

PERCENTAGE f

248 158 199 145 173 96 93 76 68 52 54 51 31 85 62 137 146 114 142 52

248 406 605 750 923 1.019 1.112 1.188 1.256 1.308 1.362 1.413 1.444 1.529 1.591 1.728 1.874 1.988 2.130 2.182

2.182

BAND

CUM.

11.37 11.37 7.24 18.61 9.12 27.73 6.65 34.37 7.93 42.30 4.40 46.70 4.26 50.96 3.48 54.45 3.12 57.56 2.38 59.95 2.47 62.42 2.34 64.76 1.42 66.18 3.90 70.07 2.84 72.91 6.28 79.19 6.69 85.88 5.22 91.11 6.51 97.62 2.38 100.00

PERCENTAGE rp

29,581.97 14,615.57 12,996.99 12,498.20 30,459.25 14,507.65 15,726.22 12,145.58 16,263.73 10,076.04 34,163.03 16,692.82 7,974.24 38,395.64 4,029.32 74,294.70 33,727.48 23,886.23 40,385.69 6,375.80 448,796.14

29,581.97 44,197.54 57,194.53 69,692.73 100,151.97 114,659.63 130,385.85 142,531.43 158,795.15 168,871.19 203,034.22 219,727.04 227,701.28 266,096.92 270,126.24 344,420.94 378,148.42 402,034.65 442,420.34 448,796.14

BAND

CUM.

PERCENTAGE BAND

6.59 6.59 69.38 3.26 9.85 76.69 2.90 12.74 34.19 2.78 15.53 37.51 6.79 22.32 57.60 3.23 25.55 40.61 3.50 29.05 39.58 2.71 31.76 31.15 3.62 35.38 56.33 2.25 37.63 52.64 7.61 45.24 190.20 3.72 48.96 68.54 1.78 50.74 35.62 8.56 59.29 106.86 0.90 60.19 14.93 16.55 76.74 116.94 7.52 84.26 36.34 5.32 89.58 30.37 9.00 98.58 26.39 1.42 100.00 6.11

CUM

69.38 71.64 57.36 52.39 53.87 51.74 49.89 47.46 48.23 48.48 55.42 56.24 55.12 59.26 56.75 63.84 59.80 56.55 51.20 46.34 46.34

( Data not Include Claim Fire no Policy Rp.122.097.100.318,06 - Freq Claim 1,122 )

Page 93 of 138

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 BPPDAN Phone No.: 334208 Ext.3163/3164 Fax No.: 3911432

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

:FIRE

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2002

15/12/2003

DATE

15/03/2004

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

83.219 76.930 86.202 45.398 43.667 19.692 14.265 9.878 5.192 2.685 2.142 2.346 1.512 1.787 981 1.389 905 327 260 104 398.881

83.219 160.149 246.351 291.749 335.416 355.108 369.373 379.251 384.443 387.128 389.270 391.616 393.128 394.915 395.896 397.285 398.190 398.517 398.777 398.881

BAND

20.86 19.29 21.61 11.38 10.95 4.94 3.58 2.48 1.30 0.67 0.54 0.59 0.38 0.45 0.25 0.35 0.23 0.08 0.07 0.03

CUM.

20.86 40.15 61.76 73.14 84.09 89.03 92.60 95.08 96.38 97.05 97.59 98.18 98.56 99.01 99.25 99.60 99.83 99.91 99.97 100.00

PERCENTAGE rp

26,300.68 18,351.37 36,419.92 31,760.19 49,090.97 32,716.06 35,409.14 34,532.08 24,692.92 15,711.66 15,083.33 19,174.72 16,855.86 25,002.93 17,748.70 39,514.54 43,046.37 31,173.81 50,231.51 36,983.65 599,800.40

26,300.68 44,652.05 81,071.97 112,832.16 161,923.13 194,639.20 230,048.33 264,580.42 289,273.34 304,985.00 320,068.33 339,243.04 356,098.90 381,101.83 398,850.53 438,365.06 481,411.43 512,585.24 562,816.75 599,800.40

BAND

4.38 3.06 6.07 5.30 8.18 5.45 5.90 5.76 4.12 2.62 2.51 3.20 2.81 4.17 2.96 6.59 7.18 5.20 8.37 6.17

CUM.

4.38 7.44 13.52 18.81 27.00 32.45 38.35 44.11 48.23 50.85 53.36 56.56 59.37 63.54 66.50 73.09 80.26 85.46 93.83 100.00

PERCENTAGE f

165.000 145.000 166.000 115.000 120.000 66.000 70.000 56.000 54.000 35.000 34.000 35.000 15.000 51.000 41.000 63.000 52.000 48.000 30.000 7.000 1.368

165.000 310.000 476.000 591.000 711.000 777.000 847.000 903.000 957.000 992.000 1.026 1.061 1.076 1.127 1.168 1.231 1.283 1.331 1.361 1.368

BAND

12.06 10.60 12.13 8.41 8.77 4.82 5.12 4.09 3.95 2.56 2.49 2.56 1.10 3.73 3.00 4.61 3.80 3.51 2.19 0.51

CUM.

12.06 22.66 34.80 43.20 51.97 56.80 61.92 66.01 69.96 72.51 75.00 77.56 78.65 82.38 85.38 89.99 93.79 97.30 99.49 100.00

PERCENTAGE rp

10,321.06 7,558.01 12,384.44 11,400.67 18,317.42 13,592.69 13,667.79 11,217.18 14,771.00 8,182.22 30,276.44 13,691.81 6,989.40 24,847.51 2,508.69 64,374.54 14,466.78 9,900.32 5,920.45 348.33 294,736.75

10,321.06 17,879.07 30,263.51 41,664.18 59,981.60 73,574.30 87,242.08 98,459.27 113,230.27 121,412.48 151,688.92 165,380.73 172,370.13 197,217.64 199,726.33 264,100.87 278,567.65 288,467.97 294,388.42 294,736.75

BAND

3.50 2.56 4.20 3.87 6.21 4.61 4.64 3.81 5.01 2.78 10.27 4.65 2.37 8.43 0.85 21.84 4.91 3.36 2.01 0.12

PERCENTAGE

CUM.

BAND

3.50 6.07 10.27 14.14 20.35 24.96 29.60 33.41 38.42 41.19 51.47 56.11 58.48 66.91 67.76 89.61 94.51 97.87 99.88 100.00

39.24 41.18 34.00 35.90 37.31 41.55 38.60 32.48 59.82 52.08 200.73 71.41 41.47 99.38 14.13 162.91 33.61 31.76 11.79 0.94

CUM

39.24 40.04 37.33 36.93 37.04 37.80 37.92 37.21 39.14 39.81 47.39 48.75 48.41 51.75 50.08 60.25 57.86 56.28 52.31 49.14 49.14

Page 94 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

:I.A.R

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2002

15/12/2003

DATE

15/03/2004

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2.131 971 1.754 1.577 2.033 1.277 1.105 1.117 720 480 380 521 427 619 420 788 826 395 394 120 18.055

2.131 3.102 4.856 6.433 8.466 9.743 10.848 11.965 12.685 13.165 13.545 14.066 14.493 15.112 15.532 16.320 17.146 17.541 17.935 18.055

BAND

CUM.

11.80 11.80 5.38 17.18 9.71 26.90 8.73 35.63 11.26 46.89 7.07 53.96 6.12 60.08 6.19 66.27 3.99 70.26 2.66 72.92 2.10 75.02 2.89 77.91 2.36 80.27 3.43 83.70 2.33 86.03 4.36 90.39 4.57 94.97 2.19 97.15 2.18 99.34 0.66 100.00

PERCENTAGE rp

13,392.38 658.09 1,473.45 1,427.04 3,485.18 2,692.94 3,857.20 3,769.86 3,652.86 2,917.41 2,449.82 4,493.10 4,861.70 9,756.83 7,268.06 20,966.08 43,978.32 43,952.28 94,123.04 57,673.92

13,392.38 14,050.46 15,523.91 16,950.96 20,436.13 23,129.07 26,986.27 30,756.13 34,408.99 37,326.40 39,776.22 44,269.31 49,131.01 58,887.84 66,155.90 87,121.98 131,100.30 175,052.58 269,175.62 326,849.54

326,849.54

BAND

4.10 0.20 0.45 0.44 1.07 0.82 1.18 1.15 1.12 0.89 0.75 1.37 1.49 2.99 2.22 6.41 13.46 13.45 28.80 17.65

CUM.

4.10 4.30 4.75 5.19 6.25 7.08 8.26 9.41 10.53 11.42 12.17 13.54 15.03 18.02 20.24 26.66 40.11 53.56 82.35 100.00

PERCENTAGE f

BAND

83 13 33 30 53 30 23 20 14 17 20 16 16 34 21 73 94 66 111 45

83 96 129 159 212 242 265 285 299 316 336 352 368 402 423 496 590 656 767 812

10.22 10.22 1.60 11.82 4.06 15.89 3.69 19.58 6.53 26.11 3.69 29.80 2.83 32.64 2.46 35.10 1.72 36.82 2.09 38.92 2.46 41.38 1.97 43.35 1.97 45.32 4.19 49.51 2.59 52.09 8.99 61.08 11.58 72.66 8.13 80.79 13.67 94.46 5.54 100.00

812

CUM.

PERCENTAGE rp

19,260.91 19,260.91 7,057.57 26,318.47 612.55 26,931.02 1,097.52 28,028.55 12,141.82 40,170.37 914.96 41,085.33 2,058.43 43,143.76 928.40 44,072.16 1,492.73 45,564.89 1,893.82 47,458.70 3,886.59 51,345.30 3,001.01 54,346.31 984.84 55,331.15 13,548.13 68,879.28 1,520.63 70,399.91 9,915.61 80,315.52 19,260.70 99,576.21 13,985.91 113,562.12 33,293.51 146,855.64 6,027.48 152,883.11 152,883.11

BAND

12.60 4.62 0.40 0.72 7.94 0.60 1.35 0.61 0.98 1.24 2.54 1.96 0.64 8.86 0.99 6.49 12.60 9.15 21.78 3.94

CUM.

PERCENTAGE BAND

12.60 143.82 17.21 1,072.44 17.62 41.57 18.33 76.91 26.28 348.38 26.87 33.98 28.22 53.37 28.83 24.63 29.80 40.86 31.04 64.91 33.58 158.65 35.55 66.79 36.19 20.26 45.05 138.86 46.05 20.92 52.53 47.29 65.13 43.80 74.28 31.82 96.06 35.37 100.00 10.45

CUM

143.82 187.31 173.48 165.35 196.57 177.64 159.87 143.30 132.42 127.15 129.09 122.76 112.62 116.97 106.42 92.19 75.95 64.87 54.56 46.77 46.77

Page 95 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

:L.O.P

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2002

15/12/2003

DATE

15/03/2004

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

6 8 3 5 6 5 14 29 29 22 12 13 11 24 21 30 43 17 20 3 321

6 14 17 22 28 33 47 76 105 127 139 152 163 187 208 238 281 298 318 321

BAND

CUM.

1.87 1.87 2.49 4.36 0.93 5.30 1.56 6.85 1.87 8.72 1.56 10.28 4.36 14.64 9.03 23.68 9.03 32.71 6.85 39.56 3.74 43.30 4.05 47.35 3.43 50.78 7.48 58.26 6.54 64.80 9.35 74.14 13.40 87.54 5.30 92.83 6.23 99.07 0.93 100.00

PERCENTAGE rp

71.68 3.11 1.15 2.15 5.77 8.78 35.64 113.62 194.98 158.09 99.03 128.29 105.77 232.83 265.88 798.15 1,626.95 471.94 2,028.19 1,246.21 7,598.22

71.68 74.79 75.94 78.09 83.86 92.64 128.28 241.91 436.89 594.97 694.01 822.30 928.07 1,160.90 1,426.78 2,224.93 3,851.88 4,323.81 6,352.00 7,598.22

BAND

0.94 0.04 0.02 0.03 0.08 0.12 0.47 1.50 2.57 2.08 1.30 1.69 1.39 3.06 3.50 10.50 21.41 6.21 26.69 16.40

CUM.

0.94 0.98 1.00 1.03 1.10 1.22 1.69 3.18 5.75 7.83 9.13 10.82 12.21 15.28 18.78 29.28 50.69 56.91 83.60 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 0 2

BAND

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 2 2

CUM.

PERCENTAGE rp

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 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 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 0.00 0.00 0.00 0.00 0.00 0.00 50.00 50.00 4.55 4.55 0.00 50.00 0.00 4.55 0.00 50.00 0.00 4.55 50.00 100.00 1,171.73 1,176.28 0.00 100.00 0.00 1,176.28 1,176.28

BAND

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 0.39 0.00 0.00 99.61 0.00

CUM.

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 0.39 0.39 0.39 100.00 100.00

PERCENTAGE BAND

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 0.57 0.00 0.00 57.77 0.00

CUM

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 0.20 0.12 0.11 18.52 15.48 15.48

Page 96 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: Earthquake

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM

01/01/2002

15/12/2003

DATE

15/03/2004

PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

1 1.436 396 1.832 624 2.456 558 3.014 777 3.791 574 4.365 557 4.922 685 5.607 439 6.046 300 6.346 297 6.643 366 7.009 320 7.329 410 7.739 395 8.134 614 8.748 677 9.425 291 9.716 348 10.064 178 10.242 10.242

BAND

CUM.

14.02 14.02 3.87 17.89 6.09 23.98 5.45 29.43 7.59 37.01 5.60 42.62 5.44 48.06 6.69 54.75 4.29 59.03 2.93 61.96 2.90 64.86 3.57 68.43 3.12 71.56 4.00 75.56 3.86 79.42 5.99 85.41 6.61 92.02 2.84 94.86 3.40 98.26 1.74 100.00

PERCENTAGE rp

2,871.23 45.19 123.28 126.59 294.40 305.07 429.02 570.74 333.90 355.94 329.50 557.67 563.50 939.32 1,696.46 2,250.92 4,169.93 3,065.66 6,660.98 8,450.55

2,871.23 2,916.43 3,039.71 3,166.30 3,460.70 3,765.76 4,194.78 4,765.53 5,099.42 5,455.36 5,784.87 6,342.54 6,906.04 7,845.36 9,541.83 11,792.74 15,962.67 19,028.33 25,689.31 34,139.86

34,139.86

BAND

8.41 0.13 0.36 0.37 0.86 0.89 1.26 1.67 0.98 1.04 0.97 1.63 1.65 2.75 4.97 6.59 12.21 8.98 19.51 24.75

CUM.

8.41 8.54 8.90 9.27 10.14 11.03 12.29 13.96 14.94 15.98 16.94 18.58 20.23 22.98 27.95 34.54 46.76 55.74 75.25 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

BAND

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

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 0.00 0.00

PERCENTAGE

CUM.

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 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 0.00 0.00 0.00 0.00 .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 0.00 0.00

BAND

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 0.00 0.00

CUM.

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 0.00 0.00

PERCENTAGE BAND

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 0.00 0.00

CUM

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 0.00 0.00 0.0

Page 97 of 138

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 BPPDAN Phone No.: 334208 Ext.3163/3164 Fax No.: 3911432

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

Mining, Driling Instalation, Salt Mines, Peat Extraction, Metalurgical Plants

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

29 14 21 18 21 14 12 15 6 10 12 8 7 10 3 8 7 11 14 5 245

29 43 64 82 103 117 129 144 150 160 172 180 187 197 200 208 215 226 240 245

BAND

CUM.

PERCENTAGE rp

11.84 11.84 65.86 65.86 5.71 17.55 2.64 68.49 8.57 26.12 7.63 76.13 7.35 33.47 145.13 221.26 8.57 42.04 16.08 237.34 5.71 47.76 20.17 257.51 4.90 52.65 21.60 279.11 6.12 58.78 47.54 326.65 2.45 61.22 28.37 355.02 4.08 65.31 27.98 382.99 4.90 70.20 46.17 429.16 3.27 73.47 71.57 500.73 2.86 76.33 52.49 553.22 4.08 80.41 109.94 663.15 1.22 81.63 21.17 684.32 3.27 84.90 165.77 850.09 2.86 87.76 255.24 1,105.33 4.49 92.24 804.97 1,910.30 5.71 97.96 1,100.84 3,011.14 2.04 100.00 2,176.56 5,187.71 5,187.71

BAND

1.27 0.05 0.15 2.80 0.31 0.39 0.42 0.92 0.55 0.54 0.89 1.38 1.01 2.12 0.41 3.20 4.92 15.52 21.22 41.96

CUM.

1.27 1.32 1.47 4.27 4.57 4.96 5.38 6.30 6.84 7.38 8.27 9.65 10.66 12.78 13.19 16.39 21.31 36.82 58.04 100.00

PERCENTAGE f

1 0 1 0 0 0 1 0 0 1 0 1 0 1 0 0 1 1 2 2 12

BAND

CUM.

1 8.33 8.33 1 0.00 8.33 2 8.33 16.67 2 0.00 16.67 2 0.00 16.67 2 0.00 16.67 3 8.33 25.00 3 0.00 25.00 3 0.00 25.00 4 8.33 33.33 4 0.00 33.33 5 8.33 41.67 5 0.00 41.67 6 8.33 50.00 6 0.00 50.00 6 0.00 50.00 7 8.33 58.33 8 8.33 66.67 10 16.67 83.33 12 16.67 100.00

PERCENTAGE rp

75.64 75.64 0.00 75.64 10.17 85.81 0.00 85.81 0.00 85.81 0.00 85.81 797.84 883.64 0.00 883.64 0.00 883.64 0.00 883.64 0.00 883.64 6.08 889.72 0.00 889.72 2.33 892.05 0.00 892.05 0.00 892.05 49.97 942.02 17.23 959.24 194.47 1,153.71 796.06 1,949.77 1,949.77

BAND

CUM.

3.88 3.88 0.00 3.88 0.52 4.40 0.00 4.40 0.00 4.40 0.00 4.40 40.92 45.32 0.00 45.32 0.00 45.32 0.00 45.32 0.00 45.32 0.31 45.63 0.00 45.63 0.12 45.75 0.00 45.75 0.00 45.75 2.56 48.31 0.88 49.20 9.97 59.17 40.83 100.00

PERCENTAGE BAND

CUM

114.85 0.00 133.22 0.00 0.00 0.00 3,693.84 0.00 0.00 0.00 0.00 8.49 0.00 2.12 0.00 0.00 19.58 2.14 17.67 36.57

114.85 110.43 112.71 38.78 36.15 33.32 316.60 270.52 248.90 230.72 205.90 177.68 160.83 134.52 130.36 104.94 85.22 50.21 38.31 37.58 37.58

Page 98 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2002

15/12/2003

DATE

15/03/2004

Stone,Earth,(Animal) Bons or Shells

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

129 55 49 43 48 36 43 41 37 22 27 19 29 41 29 64 72 23 56 27 890

129 184 233 276 324 360 403 444 481 503 530 549 578 619 648 712 784 807 863 890

BAND

CUM.

14.49 14.49 6.18 20.67 5.51 26.18 4.83 31.01 5.39 36.40 4.04 40.45 4.83 45.28 4.61 49.89 4.16 54.04 2.47 56.52 3.03 59.55 2.13 61.69 3.26 64.94 4.61 69.55 3.26 72.81 7.19 80.00 8.09 88.09 2.58 90.67 6.29 96.97 3.03 100.00

PERCENTAGE rp

551.67 551.67 9.76 561.43 20.70 582.13 31.60 613.74 84.99 698.72 43.26 741.99 79.25 821.24 167.69 988.93 104.10 1,093.04 80.74 1,173.78 78.24 1,252.02 82.13 1,334.15 218.03 1,552.18 265.48 1,817.66 193.59 2,011.25 936.64 2,947.89 2,019.35 4,967.24 1,259.96 6,227.19 3,865.84 10,093.04 6,787.15 16,880.19 16,880.19

BAND

3.27 0.06 0.12 0.19 0.50 0.26 0.47 0.99 0.62 0.48 0.46 0.49 1.29 1.57 1.15 5.55 11.96 7.46 22.90 40.21

CUM.

3.27 3.33 3.45 3.64 4.14 4.40 4.87 5.86 6.48 6.95 7.42 7.90 9.20 10.77 11.91 17.46 29.43 36.89 59.79 100.00

PERCENTAGE f

2 2 1 0 0 0 0 1 0 0 0 0 0 2 0 2 6 2 2 2 22

BAND

2 4 5 5 5 5 5 6 6 6 6 6 6 8 8 10 16 18 20 22

CUM.

PERCENTAGE rp

9.09 9.09 614.69 614.69 9.09 18.18 17.48 632.16 4.55 22.73 59.13 691.30 0.00 22.73 0.00 691.30 0.00 22.73 0.00 691.30 0.00 22.73 0.00 691.30 0.00 22.73 0.00 691.30 4.55 27.27 9.71 701.01 0.00 27.27 0.00 701.01 0.00 27.27 0.00 701.01 0.00 27.27 0.00 701.01 0.00 27.27 0.00 701.01 0.00 27.27 0.00 701.01 9.09 36.36 687.90 1,388.91 0.00 36.36 0.00 1,388.91 9.09 45.45 1,300.30 2,689.20 27.27 72.73 8,634.99 11,324.20 9.09 81.82 1,296.19 12,620.39 9.09 90.91 881.53 13,501.92 9.09 100.00 39.06 13,540.98 13,540.98

BAND

4.54 0.13 0.44 0.00 0.00 0.00 0.00 0.07 0.00 0.00 0.00 0.00 0.00 5.08 0.00 9.60 63.77 9.57 6.51 0.29

PERCENTAGE

CUM.

BAND

CUM

4.54 4.67 5.11 5.11 5.11 5.11 5.11 5.18 5.18 5.18 5.18 5.18 5.18 10.26 10.26 19.86 83.63 93.20 99.71 100.00

111.42 179.13 285.69 0.00 0.00 0.00 0.00 5.79 0.00 0.00 0.00 0.00 0.00 259.12 0.00 138.83 427.61 102.88 22.80 0.58

111.42 112.60 118.75 112.64 98.94 93.17 84.18 70.89 64.13 59.72 55.99 52.54 45.16 76.41 69.06 91.22 227.98 202.67 133.77 80.22 80.22

Page 99 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2002

15/12/2003

DATE

15/03/2004

Metals

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

340 225 306 204 310 235 231 245 167 125 115 171 122 159 127 269 274 136 145 30 3.936

340 565 871 1.075 1.385 1.620 1.851 2.096 2.263 2.388 2.503 2.674 2.796 2.955 3.082 3.351 3.625 3.761 3.906 3.936

BAND

CUM.

PERCENTAGE rp

8.64 8.64 600.21 600.21 5.72 14.35 57.50 657.72 7.77 22.13 134.06 791.77 5.18 27.31 122.07 913.84 7.88 35.19 466.69 1,380.52 5.97 41.16 541.65 1,922.17 5.87 47.03 406.13 2,328.30 6.22 53.25 571.42 2,899.72 4.24 57.49 674.85 3,574.57 3.18 60.67 434.80 4,009.37 2.92 63.59 537.24 4,546.61 4.34 67.94 884.82 5,431.43 3.10 71.04 722.33 6,153.76 4.04 75.08 1,278.56 7,432.32 3.23 78.30 1,391.36 8,823.68 6.83 85.14 5,059.81 13,883.49 6.96 92.10 8,660.31 22,543.80 3.46 95.55 11,073.60 33,617.40 3.68 99.24 21,068.11 54,685.52 0.76 100.00 14,005.00 68,690.52 68,690.52

BAND

0.87 0.08 0.20 0.18 0.68 0.79 0.59 0.83 0.98 0.63 0.78 1.29 1.05 1.86 2.03 7.37 12.61 16.12 30.67 20.39

CUM.

0.87 0.96 1.15 1.33 2.01 2.80 3.39 4.22 5.20 5.84 6.62 7.91 8.96 10.82 12.85 20.21 32.82 48.94 79.61 100.00

PERCENTAGE f

2 0 0 1 1 2 1 1 0 1 0 3 2 3 4 11 19 14 15 18 98

BAND

2 2 2 3 4 6 7 8 8 9 9 12 14 17 21 32 51 65 80 98

CUM.

PERCENTAGE rp

2.04 2.04 90.97 90.97 0.00 2.04 0.00 90.97 0.00 2.04 0.00 90.97 1.02 3.06 0.00 90.97 1.02 4.08 45.37 136.34 2.04 6.12 12.61 148.94 1.02 7.14 10.00 158.94 1.02 8.16 582.42 741.37 0.00 8.16 0.00 741.37 1.02 9.18 0.75 742.12 0.00 9.18 0.00 742.12 3.06 12.24 314.38 1,056.50 2.04 14.29 27.24 1,083.74 3.06 17.35 155.64 1,239.38 4.08 21.43 361.83 1,601.21 11.22 32.65 1,743.81 3,345.01 19.39 52.04 12,128.70 15,473.72 14.29 66.33 4,034.00 19,507.72 15.31 81.63 15,773.09 35,280.81 18.37 100.00 1,297.86 36,578.67 36,578.67

BAND

0.25 0.00 0.00 0.00 0.12 0.03 0.03 1.59 0.00 0.00 0.00 0.86 0.07 0.43 0.99 4.77 33.16 11.03 43.12 3.55

PERCENTAGE

CUM.

BAND

0.25 0.25 0.25 0.25 0.37 0.41 0.43 2.03 2.03 2.03 2.03 2.89 2.96 3.39 4.38 9.14 42.30 53.33 96.45 100.00

15.16 0.00 0.00 0.00 9.72 2.33 2.46 101.93 0.00 0.17 0.00 35.53 3.77 12.17 26.01 34.46 140.05 36.43 74.87 9.27

CUM

15.16 13.83 11.49 9.95 9.88 7.75 6.83 25.57 20.74 18.51 16.32 19.45 17.61 16.68 18.15 24.09 68.64 58.03 64.52 53.25 53.25

Page 100 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2002

15/12/2003

DATE

15/03/2004

Chemical / Oils / Gas

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

301 146 235 179 368 289 334 388 277 181 163 179 136 238 148 249 250 138 117 62 4.378

301 447 682 861 1.229 1.518 1.852 2.240 2.517 2.698 2.861 3.040 3.176 3.414 3.562 3.811 4.061 4.199 4.316 4.378

BAND

CUM.

PERCENTAGE rp

6.88 6.88 4,684.98 3.33 10.21 184.74 5.37 15.58 167.78 4.09 19.67 215.27 8.41 28.07 977.24 6.60 34.67 652.55 7.63 42.30 1,225.81 8.86 51.16 1,395.40 6.33 57.49 1,243.64 4.13 61.63 1,122.60 3.72 65.35 1,144.91 4.09 69.44 1,615.74 3.11 72.54 1,482.63 5.44 77.98 3,222.75 3.38 81.36 2,526.53 5.69 87.05 6,638.27 5.71 92.76 11,080.40 3.15 95.91 12,201.80 2.67 98.58 18,202.52 1.42 100.00 13,336.30 83,321.88

4,684.98 4,869.73 5,037.51 5,252.78 6,230.02 6,882.57 8,108.38 9,503.78 10,747.42 11,870.02 13,014.93 14,630.67 16,113.30 19,336.05 21,862.58 28,500.86 39,581.25 51,783.05 69,985.58 83,321.88

BAND

5.62 0.22 0.20 0.26 1.17 0.78 1.47 1.67 1.49 1.35 1.37 1.94 1.78 3.87 3.03 7.97 13.30 14.64 21.85 16.01

CUM.

5.62 5.84 6.05 6.30 7.48 8.26 9.73 11.41 12.90 14.25 15.62 17.56 19.34 23.21 26.24 34.21 47.50 62.15 83.99 100.00

PERCENTAGE f

16 2 2 1 10 3 5 12 8 3 3 6 3 9 8 11 11 11 17 3 144

16 18 20 21 31 34 39 51 59 62 65 71 74 83 91 102 113 124 141 144

BAND

CUM.

11.11 11.11 1.39 12.50 1.39 13.89 0.69 14.58 6.94 21.53 2.08 23.61 3.47 27.08 8.33 35.42 5.56 40.97 2.08 43.06 2.08 45.14 4.17 49.31 2.08 51.39 6.25 57.64 5.56 63.19 7.64 70.83 7.64 78.47 7.64 86.11 11.81 97.92 2.08 100.00

PERCENTAGE rp

4,990.61 4,990.61 13.64 5,004.24 15.37 5,019.62 121.82 5,141.44 905.50 6,046.94 2,927.78 8,974.71 1,000.85 9,975.56 1,595.79 11,571.35 2,078.44 13,649.79 121.84 13,771.64 2,517.80 16,289.44 3,893.92 20,183.36 73.97 20,257.33 5,638.54 25,895.87 69.47 25,965.35 177.49 26,142.84 1,615.50 27,758.34 904.48 28,662.81 5,440.59 34,103.40 675.04 34,778.44 34,778.44

BAND

14.35 0.04 0.04 0.35 2.60 8.42 2.88 4.59 5.98 0.35 7.24 11.20 0.21 16.21 0.20 0.51 4.65 2.60 15.64 1.94

PERCENTAGE

CUM.

BAND

CUM

14.35 14.39 14.43 14.78 17.39 25.81 28.68 33.27 39.25 39.60 46.84 58.03 58.25 74.46 74.66 75.17 79.81 82.42 98.06 100.00

106.52 7.38 9.16 56.59 92.66 448.67 81.65 114.36 167.13 10.85 219.91 241.00 4.99 174.96 2.75 2.67 14.58 7.41 29.89 5.06

106.52 102.76 99.64 97.88 97.06 130.40 123.03 121.76 127.01 116.02 125.16 137.95 125.72 133.93 118.77 91.73 70.13 55.35 48.73 41.74 41.74

Page 101 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2002

15/12/2003

DATE

15/03/2004

Textiles

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

829 829 1 799 1 674 522 457 275 177 148 171 136 193 131 222 207 116 102 52 8.359

829 1.658 2.860 3.659 4.776 5.450 5.972 6.429 6.704 6.881 7.029 7.200 7.336 7.529 7.660 7.882 8.089 8.205 8.307 8.359

BAND

CUM.

PERCENTAGE rp

9.92 9.92 1,523.64 9.92 19.83 401.05 14.38 34.21 901.79 9.56 43.77 971.23 13.36 57.14 1,723.09 8.06 65.20 1,466.97 6.24 71.44 2,409.01 5.47 76.91 1,905.55 3.29 80.20 1,592.55 2.12 82.32 1,275.04 1.77 84.09 1,071.54 2.05 86.13 1,556.45 1.63 87.76 2,066.09 2.31 90.07 3,654.36 1.57 91.64 2,810.31 2.66 94.29 5,505.54 2.48 96.77 9,033.12 1.39 98.16 8,732.64 1.22 99.38 15,876.41 0.62 100.00 8,781.89 73,258.27

1,523.64 1,924.69 2,826.48 3,797.71 5,520.80 6,987.78 9,396.79 11,302.34 12,894.88 14,169.92 15,241.46 16,797.91 18,864.00 22,518.36 25,328.67 30,834.20 39,867.32 48,599.96 64,476.37 73,258.27

BAND

2.08 0.55 1.23 1.33 2.35 2.00 3.29 2.60 2.17 1.74 1.46 2.12 2.82 4.99 3.84 7.52 12.33 11.92 21.67 11.99

CUM.

2.08 2.63 3.86 5.18 7.54 9.54 12.83 15.43 17.60 19.34 20.81 22.93 25.75 30.74 34.57 42.09 54.42 66.34 88.01 100.00

PERCENTAGE f

15 3 4 2 6 5 6 3 1 2 8 4 2 22 17 14 12 29 12 6 173

15 18 22 24 30 35 41 44 45 47 55 59 61 83 100 114 126 155 167 173

BAND

CUM.

8.67 8.67 1.73 10.40 2.31 12.72 1.16 13.87 3.47 17.34 2.89 20.23 3.47 23.70 1.73 25.43 0.58 26.01 1.16 27.17 4.62 31.79 2.31 34.10 1.16 35.26 12.72 47.98 9.83 57.80 8.09 65.90 6.94 72.83 16.76 89.60 6.94 96.53 3.47 100.00

PERCENTAGE rp

6,035.06 96.46 460.46 215.43 9,787.74 1,078.67 785.81 793.64 511.29 70.51 445.13 2,100.46 17.15 4,722.30 1,544.98 337.07 679.80 5,293.45 5,027.17 867.01 40,869.59

6,035.06 6,131.52 6,591.99 6,807.41 16,595.15 17,673.82 18,459.63 19,253.26 19,764.55 19,835.07 20,280.19 22,380.65 22,397.81 27,120.11 28,665.09 29,002.16 29,681.96 34,975.41 40,002.58 40,869.59

BAND

14.77 0.24 1.13 0.53 23.95 2.64 1.92 1.94 1.25 0.17 1.09 5.14 0.04 11.55 3.78 0.82 1.66 12.95 12.30 2.12

PERCENTAGE

CUM.

BAND

CUM

14.77 15.00 16.13 16.66 40.61 43.24 45.17 47.11 48.36 48.53 49.62 54.76 54.80 66.36 70.14 70.96 72.63 85.58 97.88 100.00

396.09 24.05 51.06 22.18 568.03 73.53 32.62 41.65 32.11 5.53 41.54 134.95 0.83 129.22 54.98 6.12 7.53 60.62 31.66 9.87

396.09 318.57 233.22 179.25 300.59 252.92 196.45 170.35 153.27 139.98 133.06 133.23 118.73 120.44 113.17 94.06 74.45 71.97 62.04 55.79 55.79

Page 102 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2002

15/12/2003

DATE

15/03/2004

Paper, Leather, Rubber

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

474 418 630 466 615 390 286 316 224 140 113 167 143 187 115 166 147 57 56 21 5.131

474 892 1.522 1.988 2.603 2.993 3.279 3.595 3.819 3.959 4.072 4.239 4.382 4.569 4.684 4.850 4.997 5.054 5.110 5.131

BAND

CUM.

PERCENTAGE rp

9.24 9.24 2,410.43 2,410.43 8.15 17.38 237.72 2,648.14 12.28 29.66 515.01 3,163.15 9.08 38.74 691.11 3,854.27 11.99 50.73 1,334.85 5,189.12 7.60 58.33 1,054.38 6,243.50 5.57 63.91 1,004.71 7,248.21 6.16 70.06 1,536.15 8,784.36 4.37 74.43 1,389.40 10,173.77 2.73 77.16 1,047.35 11,221.12 2.20 79.36 947.23 12,168.35 3.25 82.62 1,767.47 13,935.81 2.79 85.40 2,420.63 16,356.45 3.64 89.05 3,361.58 19,718.03 2.24 91.29 2,888.23 22,606.26 3.24 94.52 5,290.94 27,897.20 2.86 97.39 9,417.02 37,314.23 1.11 98.50 7,026.69 44,340.92 1.09 99.59 16,711.42 61,052.33 0.41 100.00 13,683.86 74,736.19 74,736.19

BAND

3.23 0.32 0.69 0.92 1.79 1.41 1.34 2.06 1.86 1.40 1.27 2.36 3.24 4.50 3.86 7.08 12.60 9.40 22.36 18.31

CUM.

3.23 3.54 4.23 5.16 6.94 8.35 9.70 11.75 13.61 15.01 16.28 18.65 21.89 26.38 30.25 37.33 49.93 59.33 81.69 100.00

PERCENTAGE f

6 0 1 5 8 2 1 8 6 2 3 4 2 7 5 7 14 16 22 7 126

BAND

CUM.

PERCENTAGE rp

6 4.76 4.76 789.64 789.64 6 0.00 4.76 0.00 789.64 7 0.79 5.56 204.37 994.02 12 3.97 9.52 163.87 1,157.88 20 6.35 15.87 3,250.75 4,408.63 22 1.59 17.46 194.81 4,603.44 23 0.79 18.25 175.96 4,779.40 31 6.35 24.60 506.33 5,285.74 37 4.76 29.37 2,289.21 7,574.95 39 1.59 30.95 498.19 8,073.13 42 2.38 33.33 8,655.47 16,728.60 46 3.17 36.51 3,661.02 20,389.62 48 1.59 38.10 0.00 20,389.62 55 5.56 43.65 5,729.39 26,119.00 60 3.97 47.62 642.93 26,761.93 67 5.56 53.17 1,203.82 27,965.75 81 11.11 64.29 3,257.03 31,222.78 97 12.70 76.98 5,401.34 36,624.12 119 17.46 94.44 5,965.20 42,589.32 126 5.56 100.00 463.15 43,052.48 43,052.48

BAND

1.83 0.00 0.47 0.38 7.55 0.45 0.41 1.18 5.32 1.16 20.10 8.50 0.00 13.31 1.49 2.80 7.57 12.55 13.86 1.08

PERCENTAGE

CUM.

BAND

CUM

1.83 1.83 2.31 2.69 10.24 10.69 11.10 12.28 17.59 18.75 38.86 47.36 47.36 60.67 62.16 64.96 72.52 85.07 98.92 100.00

32.76 0.00 39.68 23.71 243.53 18.48 17.51 32.96 164.76 47.57 913.77 207.13 0.00 170.44 22.26 22.75 34.59 76.87 35.70 3.38

32.76 29.82 31.42 30.04 84.96 73.73 65.94 60.17 74.46 71.95 137.48 146.31 124.66 132.46 118.38 100.25 83.68 82.60 69.76 57.61 57.61

Page 103 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 26

DATA POSITION FROM PROCESSING

01/01/2002

15/12/2003

DATE

15/03/2004

Wood, Bamboo and Rattan

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

PERCENTAGE f

664 365 420 315 377 252 289 261 195 100 112 138 96 119 84 148 98 43 29 13

664 1.029 1.449 1.764 2.141 2.393 2.682 2.943 3.138 3.238 3.350 3.488 3.584 3.703 3.787 3.935 4.033 4.076 4.105 4.118

4.118

BAND

CUM.

PERCENTAGE rp

16.12 16.12 3,629.94 3,629.94 8.86 24.99 311.14 3,941.08 10.20 35.19 579.10 4,520.17 7.65 42.84 655.88 5,176.05 9.15 51.99 1,342.60 6,518.65 6.12 58.11 1,277.63 7,796.27 7.02 65.13 1,779.39 9,575.66 6.34 71.47 2,104.91 11,680.57 4.74 76.20 1,994.69 13,675.26 2.43 78.63 1,411.13 15,086.38 2.72 81.35 1,720.70 16,807.08 3.35 84.70 2,737.05 19,544.13 2.33 87.03 2,339.67 21,883.80 2.89 89.92 3,482.53 25,366.32 2.04 91.96 2,612.84 27,979.16 3.59 95.56 8,645.34 36,624.50 2.38 97.94 8,616.95 45,241.46 1.04 98.98 6,271.78 51,513.24 0.70 99.68 12,398.58 63,911.82 0.32 100.00 314.62 64,226.44 64,226.44

BAND

5.65 0.48 0.90 1.02 2.09 1.99 2.77 3.28 3.11 2.20 2.68 4.26 3.64 5.42 4.07 13.46 13.42 9.77 19.30 0.49

CUM.

5.65 6.14 7.04 8.06 10.15 12.14 14.91 18.19 21.29 23.49 26.17 30.43 34.07 39.50 43.56 57.02 70.44 80.21 99.51 100.00

PERCENTAGE f

10 2 1 3 3 2 7 3 4 2 5 2 2 6 4 21 10 4 2 1 94

BAND

10 12 13 16 19 21 28 31 35 37 42 44 46 52 56 77 87 91 93 94

CUM.

PERCENTAGE rp

10.64 10.64 1,200.10 1,200.10 2.13 12.77 240.16 1,440.26 1.06 13.83 0.00 1,440.26 3.19 17.02 475.92 1,916.17 3.19 20.21 594.09 2,510.26 2.13 22.34 577.55 3,087.81 7.45 29.79 785.86 3,873.67 3.19 32.98 422.14 4,295.81 4.26 37.23 1,613.99 5,909.80 2.13 39.36 1,686.40 7,596.19 5.32 44.68 405.52 8,001.71 2.13 46.81 4,373.09 12,374.80 2.13 48.94 17.75 12,392.56 6.38 55.32 6,043.36 18,435.92 4.26 59.57 62.25 18,498.17 22.34 81.91 41,235.67 59,733.84 10.64 92.55 1,240.85 60,974.70 4.26 96.81 2,784.90 63,759.60 2.13 98.94 812.06 64,571.66 1.06 100.00 260.32 64,831.98 64,831.98

BAND

1.85 0.37 0.00 0.73 0.92 0.89 1.21 0.65 2.49 2.60 0.63 6.75 0.03 9.32 0.10 63.60 1.91 4.30 1.25 0.40

PERCENTAGE

CUM.

BAND

1.85 2.22 2.22 2.96 3.87 4.76 5.97 6.63 9.12 11.72 12.34 19.09 19.11 28.44 28.53 92.14 94.05 98.35 99.60 100.00

33.06 77.19 0.00 72.56 44.25 45.20 44.16 20.06 80.91 119.51 23.57 159.77 0.76 173.53 2.38 476.97 14.40 44.40 6.55 82.74

CUM

33.06 36.54 31.86 37.02 38.51 39.61 40.45 36.78 43.22 50.35 47.61 63.32 56.63 72.68 66.11 163.10 134.78 123.77 101.03 100.94 100.94

Page 104 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

Nutritional, Drinks and Tobacco

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2 782 889 621 741 422 378 343 228 172 113 180 134 186 106 177 201 92 98 42 7.513

1.608 2.390 3.279 3.900 4.641 5.063 5.441 5.784 6.012 6.184 6.297 6.477 6.611 6.797 6.903 7.080 7.281 7.373 7.471 7.513

BAND

CUM.

21.40 21.40 10.41 31.81 11.83 43.64 8.27 51.91 9.86 61.77 5.62 67.39 5.03 72.42 4.57 76.99 3.03 80.02 2.29 82.31 1.50 83.81 2.40 86.21 1.78 87.99 2.48 90.47 1.41 91.88 2.36 94.24 2.68 96.91 1.22 98.14 1.30 99.44 0.56 100.00

PERCENTAGE rp

4,083.71 246.43 577.05 571.60 1,152.72 860.01 1,271.76 1,092.55 1,348.13 800.18 624.49 1,483.97 1,353.48 2,490.24 1,686.21 3,898.89 8,055.23 7,317.55 7,416.07 4,405.01 50,735.26

4,083.71 4,330.14 4,907.19 5,478.79 6,631.51 7,491.52 8,763.27 9,855.82 11,203.95 12,004.13 12,628.63 14,112.59 15,466.07 17,956.32 19,642.53 23,541.42 31,596.64 38,914.19 46,330.26 50,735.26

BAND

8.05 0.49 1.14 1.13 2.27 1.70 2.51 2.15 2.66 1.58 1.23 2.92 2.67 4.91 3.32 7.68 15.88 14.42 14.62 8.68

CUM.

8.05 8.53 9.67 10.80 13.07 14.77 17.27 19.43 22.08 23.66 24.89 27.82 30.48 35.39 38.72 46.40 62.28 76.70 91.32 100.00

PERCENTAGE f

7 6 4 8 11 4 4 4 8 4 5 5 7 2 4 9 15 7 3 1 118

7 13 17 25 36 40 44 48 56 60 65 70 77 79 83 92 107 114 117 118

BAND

CUM.

5.93 5.93 5.08 11.02 3.39 14.41 6.78 21.19 9.32 30.51 3.39 33.90 3.39 37.29 3.39 40.68 6.78 47.46 3.39 50.85 4.24 55.08 4.24 59.32 5.93 65.25 1.69 66.95 3.39 70.34 7.63 77.97 12.71 90.68 5.93 96.61 2.54 99.15 0.85 100.00

PERCENTAGE rp

139.61 261.17 334.51 566.65 1,936.93 333.39 18.72 1,347.14 858.28 123.08 760.58 475.41 198.28 13.98 51.63 307.98 373.02 397.67 1,146.79 0.00 9,644.81

139.61 400.78 735.29 1,301.94 3,238.87 3,572.25 3,590.97 4,938.11 5,796.39 5,919.46 6,680.04 7,155.45 7,353.73 7,367.72 7,419.35 7,727.33 8,100.35 8,498.02 9,644.81 9,644.81

BAND

1.45 2.71 3.47 5.88 20.08 3.46 0.19 13.97 8.90 1.28 7.89 4.93 2.06 0.14 0.54 3.19 3.87 4.12 11.89 0.00

PERCENTAGE

CUM.

BAND

1.45 4.16 7.62 13.50 33.58 37.04 37.23 51.20 60.10 61.37 69.26 74.19 76.25 76.39 76.93 80.12 83.99 88.11 100.00 100.00

3.42 105.98 57.97 99.13 168.03 38.77 1.47 123.30 63.66 15.38 121.79 32.04 14.65 0.56 3.06 7.90 4.63 5.43 15.46 0.00

CUM

3.42 9.26 14.98 23.76 48.84 47.68 40.98 50.10 51.74 49.31 52.90 50.70 47.55 41.03 37.77 32.82 25.64 21.84 20.82 19.01 19.01

Page 105 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 28

DATA POSITION FROM

01/01/2002

15/12/2003

DATE

15/03/2004

PROCESSING

Power and Heating

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

4 5 8 5 10 5 9 7 6 6 7 4 7 6 6 16 15 1 9 0 136

4 9 17 22 32 37 46 53 59 65 72 76 83 89 95 111 126 127 136 136

BAND

CUM.

2.94 2.94 3.68 6.62 5.88 12.50 3.68 16.18 7.35 23.53 3.68 27.21 6.62 33.82 5.15 38.97 4.41 43.38 4.41 47.79 5.15 52.94 2.94 55.88 5.15 61.03 4.41 65.44 4.41 69.85 11.76 81.62 11.03 92.65 0.74 93.38 6.62 100.00 0.00 100.00

PERCENTAGE rp

713.33 0.35 3.01 2.52 9.41 5.33 7.72 10.91 11.12 25.88 42.80 29.96 45.84 18.41 42.07 304.85 363.87 92.00 846.50 0.00 2,575.88

713.33 713.67 716.69 719.21 728.62 733.95 741.67 752.59 763.70 789.58 832.38 862.34 908.18 926.59 968.66 1,273.51 1,637.38 1,729.38 2,575.88 2,575.88

BAND

27.69 0.01 0.12 0.10 0.37 0.21 0.30 0.42 0.43 1.00 1.66 1.16 1.78 0.71 1.63 11.83 14.13 3.57 32.86 0.00

CUM.

27.69 27.71 27.82 27.92 28.29 28.49 28.79 29.22 29.65 30.65 32.31 33.48 35.26 35.97 37.60 49.44 63.57 67.14 100.00 100.00

PERCENTAGE f

0 0 0 0 2 0 0 0 0 1 0 0 0 0 0 0 1 0 0 0 4

BAND

0 0 0 0 2 2 2 2 2 3 3 3 3 3 3 3 4 4 4 4

0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 25.00 0.00 0.00 0.00 0.00 0.00 0.00 25.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 50.00 50.00 50.00 50.00 50.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 99.50 0.00 0.00 0.00 0.00 35.00 0.00 0.00 0.00 0.00 0.00 0.00 2.04 0.00 0.00 0.00

0.00 0.00 0.00 0.00 99.50 99.50 99.50 99.50 99.50 134.50 134.50 134.50 134.50 134.50 134.50 134.50 136.54 136.54 136.54 136.54

BAND

0.00 0.00 0.00 0.00 72.87 0.00 0.00 0.00 0.00 25.63 0.00 0.00 0.00 0.00 0.00 0.00 1.50 0.00 0.00 0.00

CUM.

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 72.87 1,057.08 72.87 0.00 72.87 0.00 72.87 0.00 72.87 0.00 98.50 135.24 98.50 0.00 98.50 0.00 98.50 0.00 98.50 0.00 98.50 0.00 98.50 0.00 100.00 0.56 100.00 0.00 100.00 0.00 100.00 0.00

CUM

0.00 0.00 0.00 0.00 13.66 13.56 13.42 13.22 13.03 17.03 16.16 15.60 14.81 14.52 13.89 10.56 8.34 7.90 5.30 5.30

136.54

5.30 Page 106 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 29

01/01/2002

15/12/2003

DATE

15/03/2004

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

82 75 85 45 43 19 14 10 5 3 2 2 1 2 1 1 1 395 381 149 392.139

82 157.779 242.536 287.389 330.201 349.399 363.191 372.790 377.732 380.268 382.268 384.453 385.906 387.579 388.626 390.088 391.214 391.609 391.990 392.139

BAND

CUM.

21.00 21.00 19.24 40.24 21.61 61.85 11.44 73.29 10.92 84.21 4.90 89.10 3.52 92.62 2.45 95.07 1.26 96.33 0.65 96.97 0.51 97.48 0.56 98.04 0.37 98.41 0.43 98.84 0.27 99.10 0.37 99.48 0.29 99.76 0.10 99.86 0.10 99.96 0.04 100.00

PERCENTAGE rp

23,926.95 17,587.62 34,969.42 29,840.49 45,701.79 29,611.74 31,349.72 29,954.97 20,326.74 12,726.47 11,642.73 13,931.09 11,586.87 17,729.15 12,485.82 26,104.39 32,260.37 22,501.96 54,625.75 40,834.50

23,926.95 41,514.57 76,483.99 106,324.48 152,026.27 181,638.01 212,987.73 242,942.70 263,269.44 275,995.91 287,638.64 301,569.73 313,156.60 330,885.75 343,371.57 369,475.96 401,736.33 424,238.29 478,864.04 519,698.54

519,698.54

BAND

CUM.

4.60 4.60 3.38 7.99 6.73 14.72 5.74 20.46 8.79 29.25 5.70 34.95 6.03 40.98 5.76 46.75 3.91 50.66 2.45 53.11 2.24 55.35 2.68 58.03 2.23 60.26 3.41 63.67 2.40 66.07 5.02 71.09 6.21 77.30 4.33 81.63 10.51 92.14 7.86 100.00

PERCENTAGE f

180 143 183 125 132 77 65 42 39 32 30 25 13 33 18 61 54 25 66 12 1.355

180 323 506 631 763 840 905 947 986 1.018 1.048 1.073 1.086 1.119 1.137 1.198 1.252 1.277 1.343 1.355

BAND

CUM.

13.28 13.28 10.55 23.84 13.51 37.34 9.23 46.57 9.74 56.31 5.68 61.99 4.80 66.79 3.10 69.89 2.88 72.77 2.36 75.13 2.21 77.34 1.85 79.19 0.96 80.15 2.44 82.58 1.33 83.91 4.50 88.41 3.99 92.40 1.85 94.24 4.87 99.11 0.89 100.00

PERCENTAGE rp

14,362.10 13,986.67 11,782.65 10,954.51 13,839.37 9,327.86 12,089.98 6,828.40 8,894.01 7,529.83 21,378.53 1,829.95 7,639.84 15,402.19 1,224.23 27,975.34 5,739.62 1,915.14 5,128.08 1,977.30 199,805.61

BAND

CUM.

PERCENTAGE BAND

14,362.10 7.19 7.19 60.02 28,348.76 7.00 14.19 79.53 40,131.41 5.90 20.09 33.69 51,085.92 5.48 25.57 36.71 64,925.29 6.93 32.49 30.28 74,253.16 4.67 37.16 31.50 86,343.14 6.05 43.21 38.56 93,171.54 3.42 46.63 22.80 102,065.55 4.45 51.08 43.76 109,595.38 3.77 54.85 59.17 130,973.91 10.70 65.55 183.62 132,803.87 0.92 66.47 13.14 140,443.71 3.82 70.29 65.94 155,845.90 7.71 78.00 86.87 157,070.13 0.61 78.61 9.80 185,045.47 14.00 92.61 107.17 190,785.09 2.87 95.49 17.79 192,700.23 0.96 96.44 8.51 197,828.31 2.57 99.01 9.39 199,805.61 0.99 100.00 4.84

CUM

60.02 68.29 52.47 48.05 42.71 40.88 40.54 38.35 38.77 39.71 45.53 44.04 44.85 47.10 45.74 50.08 47.49 45.42 41.31 38.45 38.45

Page 107 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2002

15/12/2003

DATE

15/03/2004

Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

23 8 31 9 21 11 8 10 2 4 5 5 2 4 0 7 1 2 0 1 154

23 31 62 71 92 103 111 121 123 127 132 137 139 143 143 150 151 153 153 154

BAND

CUM.

PERCENTAGE rp

14.94 14.94 12.65 12.65 5.19 20.13 3.43 16.08 20.13 40.26 20.80 36.88 5.84 46.10 13.21 50.08 13.64 59.74 32.37 82.45 7.14 66.88 37.84 120.29 5.19 72.08 39.97 160.26 6.49 78.57 60.35 220.62 1.30 79.87 76.21 296.83 2.60 82.47 37.54 334.37 3.25 85.71 26.51 360.89 3.25 88.96 50.44 411.32 1.30 90.26 40.19 451.52 2.60 92.86 53.60 505.12 0.00 92.86 0.00 505.12 4.55 97.40 266.35 771.47 0.65 98.05 23.51 794.98 1.30 99.35 369.731,164.71 0.00 99.35 0.00 1,164.71 0.65 100.00 0.40 1,165.11 1,165.11

BAND

1.09 0.29 1.79 1.13 2.78 3.25 3.43 5.18 6.54 3.22 2.28 4.33 3.45 4.60 0.00 22.86 2.02 31.73 0.00 0.03

CUM.

1.09 1.38 3.16 4.30 7.08 10.32 13.76 18.94 25.48 28.70 30.97 35.30 38.75 43.35 43.35 66.21 68.23 99.97 99.97 100.00

PERCENTAGE f

4 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 4 0 0 10

BAND

4 4 5 5 5 5 6 6 6 6 6 6 6 6 6 6 6 10 10 10

CUM.

PERCENTAGE rp

40.00 40.00 33.16 33.16 0.00 40.00 0.00 33.16 10.00 50.00 90.00 123.16 0.00 50.00 0.00 123.16 0.00 50.00 0.00 123.16 0.00 50.00 0.00 123.16 10.00 60.00 5.91 129.07 0.00 60.00 0.00 129.07 0.00 60.00 0.00 129.07 0.00 60.00 0.00 129.07 0.00 60.00 0.00 129.07 0.00 60.00 0.00 129.07 0.00 60.00 0.00 129.07 0.00 60.00 0.00 129.07 0.00 60.00 0.00 129.07 0.00 60.00 0.00 129.07 0.00 60.00 0.00 129.07 40.00 100.00 1,820.14 1,949.21 0.00 100.00 0.00 1,949.21 0.00 100.00 0.00 1,949.21 1,949.21

BAND

1.70 0.00 4.62 0.00 0.00 0.00 0.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 93.38 0.00 0.00

PERCENTAGE

CUM.

BAND

CUM

1.70 1.70 6.32 6.32 6.32 6.32 6.62 6.62 6.62 6.62 6.62 6.62 6.62 6.62 6.62 6.62 6.62 100.00 100.00 100.00

262.14 0.00 432.72 0.00 0.00 0.00 14.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 492.28 0.00 0.00

262.14 206.27 333.99 245.92 149.37 102.38 80.54 58.50 43.48 38.60 35.76 31.38 28.59 25.55 25.55 16.73 16.24 167.36 167.36 167.30 167.30

Page 108 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2002

15/12/2003

DATE

15/03/2004

Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

25 16 21 13 24 17 22 11 7 12 6 9 1 11 7 18 42 11 14 3 290

25 41 62 75 99 116 138 149 156 168 174 183 184 195 202 220 262 273 287 290

BAND

CUM.

8.62 8.62 5.52 14.14 7.24 21.38 4.48 25.86 8.28 34.14 5.86 40.00 7.59 47.59 3.79 51.38 2.41 53.79 4.14 57.93 2.07 60.00 3.10 63.10 0.34 63.45 3.79 67.24 2.41 69.66 6.21 75.86 14.48 90.34 3.79 94.14 4.83 98.97 1.03 100.00

PERCENTAGE rp

422.78 5.83 9.28 27.34 24.66 86.27 99.65 78.11 52.37 139.30 33.14 86.15 9.06 131.10 141.12 464.78 2,475.05 423.44 294.36 29.04 5,032.82

422.78 428.61 437.89 465.22 489.88 576.15 675.80 753.91 806.29 945.59 978.73 1,064.88 1,073.94 1,205.04 1,346.16 1,810.94 4,285.99 4,709.43 5,003.78 5,032.82

BAND

8.40 0.12 0.18 0.54 0.49 1.71 1.98 1.55 1.04 2.77 0.66 1.71 0.18 2.60 2.80 9.23 49.18 8.41 5.85 0.58

CUM.

8.40 8.52 8.70 9.24 9.73 11.45 13.43 14.98 16.02 18.79 19.45 21.16 21.34 23.94 26.75 35.98 85.16 93.57 99.42 100.00

PERCENTAGE f

5 0 0 0 0 1 1 2 2 4 0 0 0 0 2 0 3 1 1 0 22

BAND

5 5 5 5 5 6 7 9 11 15 15 15 15 15 17 17 20 21 22 22

CUM.

PERCENTAGE rp

22.73 22.73 1,250.41 0.00 22.73 0.00 0.00 22.73 0.00 0.00 22.73 0.00 0.00 22.73 0.00 4.55 27.27 55.00 4.55 31.82 25.00 9.09 40.91 60.00 9.09 50.00 18.52 18.18 68.18 10.44 0.00 68.18 0.00 0.00 68.18 0.00 0.00 68.18 0.00 0.00 68.18 0.00 9.09 77.27 72.00 0.00 77.27 0.00 13.64 90.91 5.96 4.55 95.45 21.69 4.55 100.00 16.70 0.00 100.00 0.00 1,535.71

1,250.41 1,250.41 1,250.41 1,250.41 1,250.41 1,305.41 1,330.41 1,390.41 1,408.93 1,419.36 1,419.36 1,419.36 1,419.36 1,419.36 1,491.36 1,491.36 1,497.32 1,519.01 1,535.71 1,535.71

BAND

81.42 0.00 0.00 0.00 0.00 3.58 1.63 3.91 1.21 0.68 0.00 0.00 0.00 0.00 4.69 0.00 0.39 1.41 1.09 0.00

PERCENTAGE

CUM.

BAND

CUM

81.42 81.42 81.42 81.42 81.42 85.00 86.63 90.54 91.74 92.42 92.42 92.42 92.42 92.42 97.11 97.11 97.50 98.91 100.00 100.00

295.76 0.00 0.00 0.00 0.00 63.76 25.09 76.81 35.36 7.49 0.00 0.00 0.00 0.00 51.02 0.00 0.24 5.12 5.67 0.00

295.76 291.74 285.56 268.78 255.25 226.57 196.86 184.43 174.74 150.10 145.02 133.29 132.16 117.79 110.79 82.35 34.94 32.25 30.69 30.51 30.51

Page 109 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 32

DATA POSITION FROM

01/01/2002

15/12/2003

DATE

15/03/2004

PROCESSING

Recreation Place

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

4 9 5 5 12 0 10 7 7 1 9 4 2 6 9 6 2 0 0 0 98

BAND

4 13 18 23 35 35 45 52 59 60 69 73 75 81 90 96 98 98 98 98

4.08 9.18 5.10 5.10 12.24 0.00 10.20 7.14 7.14 1.02 9.18 4.08 2.04 6.12 9.18 6.12 2.04 0.00 0.00 0.00

CUM.

4.08 13.27 18.37 23.47 35.71 35.71 45.92 53.06 60.20 61.22 70.41 74.49 76.53 82.65 91.84 97.96 100.00 100.00 100.00 100.00

PERCENTAGE rp

8.87 9.20 108.91 25.39 5.11 0.00 11.59 42.58 13.72 10.33 43.18 23.92 36.78 61.76 117.96 110.96 243.74 0.00 0.00 0.00 874.01

8.87 18.07 126.98 152.37 157.48 157.48 169.07 211.65 225.37 235.70 278.88 302.80 339.58 401.34 519.31 630.26 874.01 874.01 874.01 874.01

BAND

1.01 1.05 12.46 2.90 0.58 0.00 1.33 4.87 1.57 1.18 4.94 2.74 4.21 7.07 13.50 12.70 27.89 0.00 0.00 0.00

CUM.

1.01 2.07 14.53 17.43 18.02 18.02 19.34 24.22 25.79 26.97 31.91 34.65 38.85 45.92 59.42 72.11 100.00 100.00 100.00 100.00

PERCENTAGE f

0 0 1 0 0 0 1 0 0 0 0 1 0 0 0 0 0 0 0 0 3

BAND

0 0 1 1 1 1 2 2 2 2 2 3 3 3 3 3 3 3 3 3

0.00 0.00 33.33 0.00 0.00 0.00 33.33 0.00 0.00 0.00 0.00 33.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 33.33 33.33 33.33 33.33 66.67 66.67 66.67 66.67 66.67 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 0.00 40.32 0.00 0.00 0.00 30.29 0.00 0.00 0.00 0.00 38.52 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 109.13

0.00 0.00 40.32 40.32 40.32 40.32 70.61 70.61 70.61 70.61 70.61 109.13 109.13 109.13 109.13 109.13 109.13 109.13 109.13 109.13

BAND

0.00 0.00 36.95 0.00 0.00 0.00 27.76 0.00 0.00 0.00 0.00 35.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE

CUM.

BAND

0.00 0.00 36.95 36.95 36.95 36.95 64.70 64.70 64.70 64.70 64.70 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 37.02 0.00 0.00 0.00 261.31 0.00 0.00 0.00 0.00 161.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

0.00 0.00 31.75 26.46 25.60 25.60 41.76 33.36 31.33 29.96 25.32 36.04 32.14 27.19 21.01 17.31 12.49 12.49 12.49 12.49 12.49

Page 110 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 40

DATA POSITION FROM

01/01/2002

15/12/2003

DATE

15/03/2004

PROCESSING

Non Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

12 4 9 8 7 5 5 9 7 1 1 6 2 7 5 9 9 5 1 0 112

12 16 25 33 40 45 50 59 66 67 68 74 76 83 88 97 106 111 112 112

BAND

CUM.

10.71 10.71 3.57 14.29 8.04 22.32 7.14 29.46 6.25 35.71 4.46 40.18 4.46 44.64 8.04 52.68 6.25 58.93 0.89 59.82 0.89 60.71 5.36 66.07 1.79 67.86 6.25 74.11 4.46 78.57 8.04 86.61 8.04 94.64 4.46 99.11 0.89 100.00 0.00 100.00

PERCENTAGE rp

0.94 0.94 0.37 1.31 3.27 4.57 3.13 7.71 4.73 12.44 65.04 77.48 24.68 102.16 18.18 120.34 18.76 139.10 3.76 142.86 2.80 145.67 33.01 178.68 12.74 191.42 72.45 263.87 61.89 325.76 137.15 462.91 317.42 780.34 587.55 1,367.89 637.31 2,005.20 0.00 2,005.20 2,005.20

BAND

0.05 0.02 0.16 0.16 0.24 3.24 1.23 0.91 0.94 0.19 0.14 1.65 0.64 3.61 3.09 6.84 15.83 29.30 31.78 0.00

CUM.

0.05 0.07 0.23 0.38 0.62 3.86 5.09 6.00 6.94 7.12 7.26 8.91 9.55 13.16 16.25 23.09 38.92 68.22 100.00 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 1

BAND

CUM.

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 1 100.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00

PERCENTAGE rp

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 13.22 0.00 0.00 0.00 0.00 13.22

PERCENTAGE

BAND

CUM.

BAND

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 13.22 13.22 13.22 13.22 13.22

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 100.00 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 0.00 100.00 100.00 100.00 100.00 100.00

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 9.64 0.00 0.00 0.00 0.00

CUM

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 2.85 1.69 0.97 0.66 0.66 0.66

Page 111 of 138

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 BPPDAN Phone No.: 334208 Ext.3163/3164 Fax No.: 3911432

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 01

DATA POSITION FROM : TO PROCESSING

01/01/2002

15/12/2003

DATE :

15/03/2004

NANGROE ACEH DARUSSALAM

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

1 906 838 352 342 117 101 69 48 20 17 30 10 19 18 29 22 12 4 2 4.113

1.157 2.063 2.901 3.253 3.595 3.712 3.813 3.882 3.930 3.950 3.967 3.997 4.007 4.026 4.044 4.073 4.095 4.107 4.111 4.113

BAND

CUM.

PERCENTAGE rp

28.13 28.13 179.94 179.94 22.03 50.16 351.99 531.93 20.37 70.53 588.40 1,120.33 8.56 79.09 355.80 1,476.13 8.32 87.41 614.56 2,090.68 2.84 90.25 333.91 2,424.60 2.46 92.71 318.03 2,742.63 1.68 94.38 244.13 2,986.77 1.17 95.55 445.41 3,432.18 0.49 96.04 177.77 3,609.95 0.41 96.45 116.11 3,726.06 0.73 97.18 244.25 3,970.31 0.24 97.42 64.08 4,034.39 0.46 97.88 141.79 4,176.18 0.44 98.32 311.19 4,487.37 0.71 99.03 1,063.60 5,550.97 0.53 99.56 902.56 6,453.54 0.29 99.85 804.44 7,257.98 0.10 99.95 560.46 7,818.43 0.05 100.00 29,888.89 37,707.33 37,707.33

BAND

0.48 0.93 1.56 0.94 1.63 0.89 0.84 0.65 1.18 0.47 0.31 0.65 0.17 0.38 0.83 2.82 2.39 2.13 1.49 79.27

CUM.

0.48 1.41 2.97 3.91 5.54 6.43 7.27 7.92 9.10 9.57 9.88 10.53 10.70 11.08 11.90 14.72 17.11 19.25 20.73 100.00

PERCENTAGE f

1 3 1 0 2 2 1 1 1 0 0 2 0 0 0 2 0 2 0 0 18

BAND

1 4 5 5 7 9 10 11 12 12 12 14 14 14 14 16 16 18 18 18

CUM.

PERCENTAGE rp

5.56 5.56 18.28 18.28 16.67 22.22 144.29 162.57 5.56 27.78 55.72 218.29 0.00 27.78 0.00 218.29 11.11 38.89 338.75 557.04 11.11 50.00 61.22 618.26 5.56 55.56 29.40 647.66 5.56 61.11 32.86 680.53 5.56 66.67 35.02 715.55 0.00 66.67 0.00 715.55 0.00 66.67 0.00 715.55 11.11 77.78 29.67 745.22 0.00 77.78 0.00 745.22 0.00 77.78 0.00 745.22 0.00 77.78 0.00 745.22 11.11 88.89 45.34 790.55 0.00 88.89 0.00 790.55 11.11 100.00 5.05 795.60 0.00 100.00 0.00 795.60 0.00 100.00 0.00 795.60 795.60

BAND

CUM.

2.30 2.30 18.14 20.43 7.00 27.44 0.00 27.44 42.58 70.01 7.69 77.71 3.70 81.40 4.13 85.54 4.40 89.94 0.00 89.94 0.00 89.94 3.73 93.67 0.00 93.67 0.00 93.67 0.00 93.67 5.70 99.37 0.00 99.37 0.63 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

10.16 40.99 9.47 0.00 55.12 18.33 9.24 13.46 7.86 0.00 0.00 12.15 0.00 0.00 0.00 4.26 0.00 0.63 0.00 0.00

CUM

10.16 30.56 19.48 14.79 26.64 25.50 23.61 22.78 20.85 19.82 19.20 18.77 18.47 17.84 16.61 14.24 12.25 10.96 10.18 2.11 2.11

Page 112 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 02

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

SUMATERA UTARA

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

4 5 7 3 3 1 833 521 281 139 130 146 110 120 84 130 108 37 33 10 25.603

3.989 9.251 15.852 19.117 21.862 22.921 23.754 24.275 24.556 24.695 24.825 24.971 25.081 25.201 25.285 25.415 25.523 25.560 25.593 25.603

BAND

CUM.

15.58 15.58 20.55 36.13 25.78 61.91 12.75 74.67 10.72 85.39 4.14 89.52 3.25 92.78 2.03 94.81 1.10 95.91 0.54 96.45 0.51 96.96 0.57 97.53 0.43 97.96 0.47 98.43 0.33 98.76 0.51 99.27 0.42 99.69 0.14 99.83 0.13 99.96 0.04 100.00

PERCENTAGE rp

1,970.10 1,134.90 2,725.49 2,299.93 3,229.91 1,907.19 2,352.03 1,941.39 1,635.33 906.38 991.15 1,164.42 1,136.89 1,564.79 1,483.00 3,523.27 5,131.80 3,100.57 3,825.49 2,174.37

1,970.10 3,104.99 5,830.48 8,130.41 11,360.32 13,267.51 15,619.54 17,560.93 19,196.27 20,102.65 21,093.80 22,258.22 23,395.11 24,959.90 26,442.89 29,966.17 35,097.96 38,198.53 42,024.03 44,198.40

44,198.40

BAND

4.46 2.57 6.17 5.20 7.31 4.32 5.32 4.39 3.70 2.05 2.24 2.63 2.57 3.54 3.36 7.97 11.61 7.02 8.66 4.92

CUM.

4.46 7.03 13.19 18.40 25.70 30.02 35.34 39.73 43.43 45.48 47.73 50.36 52.93 56.47 59.83 67.80 79.41 86.43 95.08 100.00

PERCENTAGE f

13 10 8 9 5 3 3 2 4 6 5 1 1 6 2 3 12 6 6 0 105

BAND

CUM.

PERCENTAGE rp

13 12.38 12.38 745.17 745.17 23 9.52 21.90 624.97 1,370.14 31 7.62 29.52 267.42 1,637.56 40 8.57 38.10 576.87 2,214.43 45 4.76 42.86 572.19 2,786.62 48 2.86 45.71 41.75 2,828.37 51 2.86 48.57 1,163.16 3,991.53 53 1.90 50.48 887.18 4,878.71 57 3.81 54.29 86.48 4,965.19 63 5.71 60.00 70.30 5,035.49 68 4.76 64.76 4,151.98 9,187.47 69 0.95 65.71 4.38 9,191.85 70 0.95 66.67 6.98 9,198.83 76 5.71 72.38 55.57 9,254.40 78 1.90 74.29 49.30 9,303.71 81 2.86 77.14 212.76 9,516.46 93 11.43 88.57 216.81 9,733.27 99 5.71 94.29 444.00 10,177.27 105 5.71 100.00 294.81 10,472.09 105 0.00 100.00 0.00 10,472.09 10,472.09

BAND

CUM.

7.12 7.12 5.97 13.08 2.55 15.64 5.51 21.15 5.46 26.61 0.40 27.01 11.11 38.12 8.47 46.59 0.83 47.41 0.67 48.08 39.65 87.73 0.04 87.77 0.07 87.84 0.53 88.37 0.47 88.84 2.03 90.87 2.07 92.94 4.24 97.18 2.82 100.00 0.00 100.00

PERCENTAGE BAND

37.82 55.07 9.81 25.08 17.72 2.19 49.45 45.70 5.29 7.76 418.90 0.38 0.61 3.55 3.32 6.04 4.22 14.32 7.71 0.00

CUM

37.82 44.13 28.09 27.24 24.53 21.32 25.55 27.78 25.87 25.05 43.56 41.30 39.32 37.08 35.18 31.76 27.73 26.64 24.92 23.69 23.69

Page 113 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 03

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

SUMATERA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2 2 2 788 638 211 160 90 33 18 14 26 13 16 10 15 15 4 0 0 7.566

1.541 3.595 5.515 6.303 6.941 7.152 7.312 7.402 7.435 7.453 7.467 7.493 7.506 7.522 7.532 7.547 7.562 7.566 7.566 7.566

BAND

CUM.

20.37 20.37 27.15 47.52 25.38 72.89 10.42 83.31 8.43 91.74 2.79 94.53 2.11 96.64 1.19 97.83 0.44 98.27 0.24 98.51 0.19 98.69 0.34 99.04 0.17 99.21 0.21 99.42 0.13 99.55 0.20 99.75 0.20 99.95 0.05 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

246.78 359.33 649.26 476.77 720.89 326.16 370.86 243.37 161.34 95.34 77.10 204.49 112.91 128.41 225.74 306.81 934.31 356.86 0.00 0.00 5,996.72

246.78 606.12 1,255.37 1,732.15 2,453.03 2,779.19 3,150.05 3,393.42 3,554.76 3,650.10 3,727.20 3,931.69 4,044.59 4,173.01 4,398.75 4,705.55 5,639.86 5,996.72 5,996.72 5,996.72

BAND

4.12 5.99 10.83 7.95 12.02 5.44 6.18 4.06 2.69 1.59 1.29 3.41 1.88 2.14 3.76 5.12 15.58 5.95 0.00 0.00

CUM.

4.12 10.11 20.93 28.88 40.91 46.35 52.53 56.59 59.28 60.87 62.15 65.56 67.45 69.59 73.35 78.47 94.05 100.00 100.00 100.00

PERCENTAGE f

3 2 4 2 3 3 1 2 0 0 0 0 0 0 0 0 1 0 0 0 21

BAND

3 5 9 11 14 17 18 20 20 20 20 20 20 20 20 20 21 21 21 21

14.29 9.52 19.05 9.52 14.29 14.29 4.76 9.52 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.76 0.00 0.00 0.00

CUM.

14.29 23.81 42.86 52.38 66.67 80.95 85.71 95.24 95.24 95.24 95.24 95.24 95.24 95.24 95.24 95.24 100.00 100.00 100.00 100.00

PERCENTAGE rp

80.00 118.33 284.49 330.34 454.98 520.59 25.00 60.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 125.97 0.00 0.00 0.00 1,999.71

80.00 198.33 482.83 813.17 1,268.15 1,788.74 1,813.74 1,873.74 1,873.74 1,873.74 1,873.74 1,873.74 1,873.74 1,873.74 1,873.74 1,873.74 1,999.71 1,999.71 1,999.71 1,999.71

BAND

4.00 5.92 14.23 16.52 22.75 26.03 1.25 3.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.30 0.00 0.00 0.00

PERCENTAGE

CUM.

4.00 9.92 24.14 40.66 63.42 89.45 90.70 93.70 93.70 93.70 93.70 93.70 93.70 93.70 93.70 93.70 100.00 100.00 100.00 100.00

BAND

32.42 32.93 43.82 69.29 63.11 159.61 6.74 24.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.48 0.00 0.00 0.00

CUM

32.42 32.72 38.46 46.95 51.70 64.36 57.58 55.22 52.71 51.33 50.27 47.66 46.33 44.90 42.60 39.82 35.46 33.35 33.35 33.35 33.35

Page 114 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 04

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

RIAU

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2 3 4 2 1 542 369 270 120 86 54 79 50 78 45 81 107 37 61 9 14.994

2.483 5.889 9.789 11.581 13.006 13.548 13.917 14.187 14.307 14.393 14.447 14.526 14.576 14.654 14.699 14.780 14.887 14.924 14.985 14.994

BAND

CUM.

16.56 16.56 22.72 39.28 26.01 65.29 11.95 77.24 9.50 86.74 3.61 90.36 2.46 92.82 1.80 94.62 0.80 95.42 0.57 95.99 0.36 96.35 0.53 96.88 0.33 97.21 0.52 97.73 0.30 98.03 0.54 98.57 0.71 99.29 0.25 99.53 0.41 99.94 0.06 100.00

PERCENTAGE rp

1,897.21 814.87 1,916.50 1,651.87 2,250.10 1,286.45 1,200.20 1,067.14 571.00 553.05 357.33 551.25 405.23 826.55 632.16 2,204.16 3,651.13 2,274.50 7,236.99 542.71

1,897.21 2,712.08 4,628.57 6,280.44 8,530.55 9,817.00 11,017.21 12,084.34 12,655.35 13,208.39 13,565.72 14,116.97 14,522.20 15,348.74 15,980.90 18,185.06 21,836.19 24,110.68 31,347.67 31,890.39

31,890.39

BAND

5.95 2.56 6.01 5.18 7.06 4.03 3.76 3.35 1.79 1.73 1.12 1.73 1.27 2.59 1.98 6.91 11.45 7.13 22.69 1.70

CUM.

5.95 8.50 14.51 19.69 26.75 30.78 34.55 37.89 39.68 41.42 42.54 44.27 45.54 48.13 50.11 57.02 68.47 75.60 98.30 100.00

PERCENTAGE f

8 4 8 6 5 1 3 1 0 0 2 2 0 1 3 0 4 3 2 0 53

BAND

CUM.

PERCENTAGE rp

8 15.09 15.09 92.50 92.50 12 7.55 22.64 185.20 277.70 20 15.09 37.74 954.84 1,232.55 26 11.32 49.06 632.88 1,865.42 31 9.43 58.49 945.92 2,811.34 32 1.89 60.38 1.58 2,812.92 35 5.66 66.04 1,031.06 3,843.98 36 1.89 67.92 58.39 3,902.36 36 0.00 67.92 0.00 3,902.36 36 0.00 67.92 0.00 3,902.36 38 3.77 71.70 3,278.92 7,181.29 40 3.77 75.47 6.08 7,187.36 40 0.00 75.47 0.00 7,187.36 41 1.89 77.36 93.73 7,281.09 44 5.66 83.02 51.28 7,332.37 44 0.00 83.02 0.00 7,332.37 48 7.55 90.57 31.81 7,364.18 51 5.66 96.23 170.31 7,534.49 53 3.77 100.00 116.24 7,650.73 53 0.00 100.00 0.00 7,650.73 7,650.73

BAND

CUM.

1.21 1.21 2.42 3.63 12.48 16.11 8.27 24.38 12.36 36.75 0.02 36.77 13.48 50.24 0.76 51.01 0.00 51.01 0.00 51.01 42.86 93.86 0.08 93.94 0.00 93.94 1.23 95.17 0.67 95.84 0.00 95.84 0.42 96.25 2.23 98.48 1.52 100.00 0.00 100.00

PERCENTAGE BAND

4.88 22.73 49.82 38.31 42.04 0.12 85.91 5.47 0.00 0.00 917.62 1.10 0.00 11.34 8.11 0.00 0.87 7.49 1.61 0.00

CUM

4.88 10.24 26.63 29.70 32.96 28.65 34.89 32.29 30.84 29.54 52.94 50.91 49.49 47.44 45.88 40.32 33.72 31.25 24.41 23.99 23.99

Page 115 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 05

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

JAMBI

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

702 689 767 418 382 137 84 62 48 14 20 20 12 25 4 25 15 4 1 0 3.429

702.000 1.391 2.158 2.576 2.958 3.095 3.179 3.241 3.289 3.303 3.323 3.343 3.355 3.380 3.384 3.409 3.424 3.428 3.429 3.429

BAND

CUM.

20.47 20.47 20.09 40.57 22.37 62.93 12.19 75.12 11.14 86.26 4.00 90.26 2.45 92.71 1.81 94.52 1.40 95.92 0.41 96.33 0.58 96.91 0.58 97.49 0.35 97.84 0.73 98.57 0.12 98.69 0.73 99.42 0.44 99.85 0.12 99.97 0.03 100.00 0.00 100.00

PERCENTAGE rp

110.54 236.91 433.69 416.23 556.82 323.70 231.56 249.47 252.34 144.72 134.20 247.40 124.96 488.75 104.14 880.43 505.72 705.28 0.60 0.00 6,147.44

110.54 347.45 781.14 1,197.37 1,754.19 2,077.89 2,309.45 2,558.92 2,811.26 2,955.98 3,090.18 3,337.58 3,462.54 3,951.28 4,055.42 4,935.85 5,441.57 6,146.84 6,147.44 6,147.44

BAND

1.80 3.85 7.05 6.77 9.06 5.27 3.77 4.06 4.10 2.35 2.18 4.02 2.03 7.95 1.69 14.32 8.23 11.47 0.01 0.00

CUM.

1.80 5.65 12.71 19.48 28.54 33.80 37.57 41.63 45.73 48.08 50.27 54.29 56.32 64.28 65.97 80.29 88.52 99.99 100.00 100.00

PERCENTAGE f

0 3 5 3 2 0 1 0 0 0 0 0 0 0 0 6 1 2 0 0 23

BAND

0 3 8 11 13 13 14 14 14 14 14 14 14 14 14 20 21 23 23 23

CUM.

PERCENTAGE rp

0.00 0.00 0.00 0.00 13.04 13.04 118.07 118.07 21.74 34.78 242.80 360.87 13.04 47.83 27.34 388.21 8.70 56.52 276.27 664.48 0.00 56.52 0.00 664.48 4.35 60.87 26.37 690.84 0.00 60.87 0.00 690.84 0.00 60.87 0.00 690.84 0.00 60.87 0.00 690.84 0.00 60.87 0.00 690.84 0.00 60.87 0.00 690.84 0.00 60.87 0.00 690.84 0.00 60.87 0.00 690.84 0.00 60.87 0.00 690.84 26.09 86.96 1,998.65 2,689.49 4.35 91.30 1,487.50 4,176.99 8.70 100.00 0.00 4,176.99 0.00 100.00 0.00 4,176.99 0.00 100.00 0.00 4,176.99 4,176.99

BAND

0.00 2.83 5.81 0.65 6.61 0.00 0.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 47.85 35.61 0.00 0.00 0.00

CUM.

0.00 2.83 8.64 9.29 15.91 15.91 16.54 16.54 16.54 16.54 16.54 16.54 16.54 16.54 16.54 64.39 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 49.84 55.99 6.57 49.61 0.00 11.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 227.01 294.14 0.00 0.00 0.00

CUM

0.00 33.98 46.20 32.42 37.88 31.98 29.91 27.00 24.57 23.37 22.36 20.70 19.95 17.48 17.04 54.49 76.76 67.95 67.95 67.95 67.95

Page 116 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 06

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

SUMATERA SELATAN

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2 2 3 1 984 407 302 198 121 59 49 55 35 49 27 45 37 20 7 13 10.662

2.249 4.470 7.042 8.254 9.238 9.645 9.947 10.145 10.266 10.325 10.374 10.429 10.464 10.513 10.540 10.585 10.622 10.642 10.649 10.662

BAND

CUM.

21.09 21.09 20.83 41.92 24.12 66.05 11.37 77.42 9.23 86.64 3.82 90.46 2.83 93.29 1.86 95.15 1.13 96.29 0.55 96.84 0.46 97.30 0.52 97.81 0.33 98.14 0.46 98.60 0.25 98.86 0.42 99.28 0.35 99.62 0.19 99.81 0.07 99.88 0.12 100.00

PERCENTAGE rp

808.01 561.26 1,249.73 1,221.79 1,543.23 810.28 918.51 607.91 561.70 275.11 261.74 503.59 317.07 465.45 384.03 804.34 1,657.70 1,167.36 1,021.46 3,479.90

808.01 1,369.27 2,619.00 3,840.79 5,384.02 6,194.30 7,112.81 7,720.72 8,282.41 8,557.52 8,819.26 9,322.85 9,639.92 10,105.37 10,489.40 11,293.75 12,951.44 14,118.81 15,140.27 18,620.17

18,620.17

BAND

4.34 3.01 6.71 6.56 8.29 4.35 4.93 3.26 3.02 1.48 1.41 2.70 1.70 2.50 2.06 4.32 8.90 6.27 5.49 18.69

CUM.

4.34 7.35 14.07 20.63 28.91 33.27 38.20 41.46 44.48 45.96 47.36 50.07 51.77 54.27 56.33 60.65 69.56 75.83 81.31 100.00

PERCENTAGE f

4 8 8 14 6 3 4 5 1 1 0 1 0 0 1 0 1 3 0 1 61

BAND

CUM.

4 6.56 6.56 12 13.11 19.67 20 13.11 32.79 34 22.95 55.74 40 9.84 65.57 43 4.92 70.49 47 6.56 77.05 52 8.20 85.25 53 1.64 86.89 54 1.64 88.52 54 0.00 88.52 55 1.64 90.16 55 0.00 90.16 55 0.00 90.16 56 1.64 91.80 56 0.00 91.80 57 1.64 93.44 60 4.92 98.36 60 0.00 98.36 61 1.64 100.00

PERCENTAGE rp

636.44 318.02 636.66 1,419.54 1,604.44 856.03 1,946.27 547.77 1,340.25 666.77 0.00 5.51 0.00 0.00 483.87 0.00 146.21 1,014.06 0.00 208.84

636.44 954.46 1,591.13 3,010.66 4,615.11 5,471.14 7,417.40 7,965.17 9,305.42 9,972.19 9,972.19 9,977.70 9,977.70 9,977.70 10,461.57 10,461.57 10,607.77 11,621.84 11,621.84 11,830.67

11,830.67

BAND

CUM.

5.38 5.38 2.69 8.07 5.38 13.45 12.00 25.45 13.56 39.01 7.24 46.25 16.45 62.70 4.63 67.33 11.33 78.66 5.64 84.29 0.00 84.29 0.05 84.34 0.00 84.34 0.00 84.34 4.09 88.43 0.00 88.43 1.24 89.66 8.57 98.23 0.00 98.23 1.77 100.00

PERCENTAGE BAND

78.77 56.66 50.94 116.18 103.97 105.65 211.89 90.11 238.61 242.36 0.00 1.09 0.00 0.00 126.00 0.00 8.82 86.87 0.00 6.00

CUM

78.77 69.71 60.75 78.39 85.72 88.33 104.28 103.17 112.35 116.53 113.07 107.02 103.50 98.74 99.73 92.63 81.90 82.31 76.76 63.54 63.54

Page 117 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 07

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

BENGKULU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

874 588 424 161 137 41 23 23 8 3 1 2 4 3 0 5 3 0 1 0 2.301

##### 1.462 1.886 2.047 2.184 2.225 2.248 2.271 2.279 2.282 2.283 2.285 2.289 2.292 2.292 2.297 2.300 2.300 2.301 2.301

BAND

CUM.

37.98 37.98 25.55 63.54 18.43 81.96 7.00 88.96 5.95 94.92 1.78 96.70 1.00 97.70 1.00 98.70 0.35 99.04 0.13 99.17 0.04 99.22 0.09 99.30 0.17 99.48 0.13 99.61 0.00 99.61 0.22 99.83 0.13 99.96 0.00 99.96 0.04 100.00 0.00 100.00

PERCENTAGE rp

117.05 192.52 277.86 204.65 221.62 90.94 83.23 41.14 37.31 7.47 1.68 21.81 40.10 33.34 0.00 12.51 93.00 0.00 2.98 0.00 1,479.22

117.05 309.57 587.44 792.09 1,013.71 1,104.64 1,187.88 1,229.02 1,266.32 1,273.80 1,275.48 1,297.29 1,337.39 1,370.73 1,370.73 1,383.24 1,476.24 1,476.24 1,479.22 1,479.22

BAND

7.91 13.02 18.78 13.84 14.98 6.15 5.63 2.78 2.52 0.51 0.11 1.47 2.71 2.25 0.00 0.85 6.29 0.00 0.20 0.00

CUM.

7.91 20.93 39.71 53.55 68.53 74.68 80.30 83.09 85.61 86.11 86.23 87.70 90.41 92.67 92.67 93.51 99.80 99.80 100.00 100.00

PERCENTAGE f

3 1 0 0 0 1 0 0 0 0 0 0 0 1 0 0 0 0 0 0 6

BAND

3 4 4 4 4 5 5 5 5 5 5 5 5 6 6 6 6 6 6 6

50.00 16.67 0.00 0.00 0.00 16.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.67 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

PERCENTAGE rp

50.00 103.50 103.50 66.67 90.00 193.50 66.67 0.00 193.50 66.67 0.00 193.50 66.67 0.00 193.50 83.33 10.85 204.35 83.33 0.00 204.35 83.33 0.00 204.35 83.33 0.00 204.35 83.33 0.00 204.35 83.33 0.00 204.35 83.33 0.00 204.35 83.33 0.00 204.35 100.00 1,493.08 1,697.44 100.00 0.00 1,697.44 100.00 0.00 1,697.44 100.00 0.00 1,697.44 100.00 0.00 1,697.44 100.00 0.00 1,697.44 100.00 0.00 1,697.44 1,697.44

BAND

6.10 5.30 0.00 0.00 0.00 0.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 87.96 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

PERCENTAGE BAND

6.10 88.42 11.40 46.75 11.40 0.00 11.40 0.00 11.40 0.00 12.04 11.94 12.04 0.00 12.04 0.00 12.04 0.00 12.04 0.00 12.04 0.00 12.04 0.00 12.04 0.00 100.00 4,478.12 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

CUM

88.42 62.51 32.94 24.43 19.09 18.50 17.20 16.63 16.14 16.04 16.02 15.75 15.28 123.83 123.83 122.71 114.98 114.98 114.75 114.75 114.75

Page 118 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 08

DATA POSITION FROM : TO PROCESSING

01/01/2002

15/12/2003

DATE :

15/03/2004

LAMPUNG

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

1 1 1 620 608 265 206 138 77 39 32 31 38 39 16 34 24 8 15 2 5.727

1.263 2.374 3.535 4.155 4.763 5.028 5.234 5.372 5.449 5.488 5.520 5.551 5.589 5.628 5.644 5.678 5.702 5.710 5.725 5.727

BAND

CUM.

22.05 22.05 19.40 41.45 20.27 61.73 10.83 72.55 10.62 83.17 4.63 87.79 3.60 91.39 2.41 93.80 1.34 95.15 0.68 95.83 0.56 96.39 0.54 96.93 0.66 97.59 0.68 98.27 0.28 98.55 0.59 99.14 0.42 99.56 0.14 99.70 0.26 99.97 0.03 100.00

PERCENTAGE rp

547.61 547.61 264.73 812.34 608.66 1,421.00 481.83 1,902.83 736.26 2,639.09 501.48 3,140.57 591.25 3,731.82 511.70 4,243.51 354.24 4,597.76 212.04 4,809.79 232.37 5,042.17 227.53 5,269.69 359.74 5,629.43 375.73 6,005.16 184.35 6,189.51 1,105.67 7,295.19 1,297.74 8,592.93 1,448.34 10,041.27 1,161.12 11,202.38 91.24 11,293.63 11,293.63

BAND

4.85 2.34 5.39 4.27 6.52 4.44 5.24 4.53 3.14 1.88 2.06 2.01 3.19 3.33 1.63 9.79 11.49 12.82 10.28 0.81

CUM.

4.85 7.19 12.58 16.85 23.37 27.81 33.04 37.57 40.71 42.59 44.65 46.66 49.85 53.17 54.81 64.60 76.09 88.91 99.19 100.00

PERCENTAGE f

1 3 2 0 5 0 4 0 5 2 2 0 5 0 0 0 2 1 0 0 32

BAND

1 4 6 6 11 11 15 15 20 22 24 24 29 29 29 29 31 32 32 32

CUM.

3.13 3.13 9.38 12.50 6.25 18.75 0.00 18.75 15.63 34.38 0.00 34.38 12.50 46.88 0.00 46.88 15.63 62.50 6.25 68.75 6.25 75.00 0.00 75.00 15.63 90.63 0.00 90.63 0.00 90.63 0.00 90.63 6.25 96.88 3.13 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

21.89 21.89 183.12 205.02 33.32 238.34 0.00 238.34 491.75 730.09 0.00 730.09 17.66 747.75 0.00 747.75 580.511,328.26 49.96 1,378.22 105.061,483.27 0.00 1,483.27 167.911,651.18 0.00 1,651.18 0.00 1,651.18 0.00 1,651.18 422.282,073.46 77.61 2,151.06 0.00 2,151.06 0.00 2,151.06 2,151.06

BAND

CUM.

1.02 1.02 8.51 9.53 1.55 11.08 0.00 11.08 22.86 33.94 0.00 33.94 0.82 34.76 0.00 34.76 26.99 61.75 2.32 64.07 4.88 68.96 0.00 68.96 7.81 76.76 0.00 76.76 0.00 76.76 0.00 76.76 19.63 96.39 3.61 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

4.00 69.17 5.47 0.00 66.79 0.00 2.99 0.00 163.87 23.56 45.21 0.00 46.67 0.00 0.00 0.00 32.54 5.36 0.00 0.00

CUM

4.00 25.24 16.77 12.53 27.66 23.25 20.04 17.62 28.89 28.65 29.42 28.15 29.33 27.50 26.68 22.63 24.13 21.42 19.20 19.05 19.05

Page 119 of 138

CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 09

RISK AND LOSS PROFILE 2002

DKI JAKARTA

DATA POSITION FROM TO PROCESSING

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

DATE

CLAIM SEVERITY ( In Million Rp)

01/01/2002

15/12/2003

15/03/2004 LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

14.386 17.911 23.958 18.553 19.932 9.859 7.031 5.128 2.665 1.426 1.127 1.210 0.826 0.977 0.659 0.930 0.735 0.328 0.357 0.115 128.113

14.386 32.297 56.255 74.808 94.740 104.599 111.630 116.758 119.423 120.849 121.976 123.186 124.012 124.989 125.648 126.578 127.313 127.641 127.998 128.113

BAND

CUM.

11.23 13.98 18.70 14.48 15.56 7.70 5.49 4.00 2.08 1.11 0.88 0.94 0.64 0.76 0.51 0.73 0.57 0.26 0.28 0.09

11.23 25.21 43.91 58.39 73.95 81.65 87.13 91.14 93.22 94.33 95.21 96.15 96.80 97.56 98.08 98.80 99.38 99.63 99.91 100.00

PERCENTAGE rp

11,657.97 3,582.82 9,212.60 9,740.55 16,591.10 12,633.25 14,402.02 15,072.51 10,087.18 7,102.67 6,515.75 7,785.29 7,049.13 10,706.47 8,419.00 17,853.04 21,705.03 19,114.27 27,723.21 29,032.56

11,657.97 15,240.79 24,453.39 34,193.94 50,785.03 63,418.28 77,820.31 92,892.82 102,980.00 110,082.66 116,598.42 124,383.70 131,432.84 142,139.31 150,558.30 168,411.35 190,116.38 209,230.65 236,953.86 265,986,42

265,986.42

BAND

CUM.

4.08 1.25 3.22 3.40 5.80 4.42 5.03 5.27 3.53 2.48 2.28 2.72 2.46 3.74 2.94 6.24 7.59 6.68 10.42 10.91

4.08 5.33 8.55 11.95 17.75 22.17 27.20 32.47 36.00 38.48 40.76 43.48 45.94 49.69 52.63 58.87 66.46 73.14 83.56 94.47

PERCENTAGE f

77 43 64 51 60 49 34 20 25 21 16 21 10 23 14 49 38 22 67 17 721

BAND

77 120 184 235 295 344 378 398 423 444 460 481 491 514 528 577 615 637 704 721

10.68 5.96 8.88 7.07 8.32 6.80 4.72 2.77 3.47 2.91 2.22 2.91 1.39 3.19 1.94 6.80 5.27 3.05 9.29 2.36

CUM.

10.68 16.64 25.52 32.59 40.92 47.71 52.43 55.20 58.67 61.58 63.80 66.71 68.10 71.29 73.23 80.03 85.30 88.35 97.64 100.00

PERCENTAGE rp

2,985.87 8,613.81 3,934.31 4,522.95 5,930.86 7,515.50 5,085.09 1,937.07 6,639.33 2,829.26 13,444.56 6,958.92 7,291.62 16,054.29 1,397.98 17,046.50 12,472.29 860.14 4,157.43 1,536.24

2,985.87 11,599.69 15,534.00 20,056.95 25,987.81 33,503.31 38,588.40 40,525.46 47,164.80 49,994.05 63,438.61 70,397.53 77,689.14 93,743.44 95,141.41 112,187.92 124,660.20 125,520.35 129,677.78 131,214.02

131,214.02

BAND

CUM.

2.28 2.28 6.56 8.84 3.00 11.84 3.45 15.29 4.52 19.81 5.73 25.53 3.88 29.41 1.48 30.89 5.06 35.94 2.16 38.10 10.25 48.35 5.30 53.65 5.56 59.21 12.24 71.44 1.07 72.51 12.99 85.50 9.51 95.01 0.66 95.66 3.17 98.83 1.17 100.00

PERCENTAGE BAND

25.61 240.42 42.71 46.43 35.75 59.49 35.31 12.85 65.82 39.83 206.34 89.39 103.44 149.95 16.61 95.48 57.46 4.50 14.97 5.29

CUM

25.61 76.11 63.52 58.66 51.17 52.83 49.59 43.63 45.80 45.42 54.41 56.60 59.11 65.95 63.19 66.62 65.57 59.99 74.96 80.25 80.25

Page 120 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 10

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

JAWA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

20 17 18 8 7 3 3 2 1 744 587 770 541 770 537 939 935 425 435 152 85.777

19.787 36.424 54.065 62.471 69.929 73.260 75.799 77.774 78.942 79.686 80.273 81.043 81.584 82.354 82.891 83.830 84.765 85.190 85.625 85.777

BAND

CUM.

23.07 23.07 19.40 42.46 20.57 63.03 9.80 72.83 8.69 81.52 3.88 85.41 2.96 88.37 2.30 90.67 1.36 92.03 0.87 92.90 0.68 93.58 0.90 94.48 0.63 95.11 0.90 96.01 0.63 96.64 1.09 97.73 1.09 98.82 0.50 99.32 0.51 99.82 0.18 100.00

PERCENTAGE rp

8,918.53 3,109.50 6,363.76 5,549.19 8,580.69 5,613.64 6,254.08 6,361.27 5,267.61 3,918.65 3,416.92 5,803.19 5,621.28 10,025.12 7,548.54 20,805.38 37,403.41 31,786.76 59,068.68 15,582.87 256,999.09

8,918.53 12,028.03 18,391.79 23,940.99 32,521.68 38,135.31 44,389.40 50,750.67 56,018.28 59,936.93 63,353.85 69,157.04 74,778.32 84,803.44 92,351.99 113,157.37 150,560.78 182,347.54 241,416.22 256,999.09

BAND

CUM.

3.47 3.47 1.21 4.68 2.48 7.16 2.16 9.32 3.34 12.65 2.18 14.84 2.43 17.27 2.48 19.75 2.05 21.80 1.52 23.32 1.33 24.65 2.26 26.91 2.19 29.10 3.90 33.00 2.94 35.93 8.10 44.03 14.55 58.58 12.37 70.95 22.98 93.94 6.06 100.00

PERCENTAGE f

38 23 32 19 41 12 10 14 10 5 11 15 5 32 11 42 60 43 37 24 484

BAND

38 61 93 112 153 165 175 189 199 204 215 230 235 267 278 320 380 423 460 484

CUM.

7.85 7.85 4.75 12.60 6.61 19.21 3.93 23.14 8.47 31.61 2.48 34.09 2.07 36.16 2.89 39.05 2.07 41.12 1.03 42.15 2.27 44.42 3.10 47.52 1.03 48.55 6.61 55.17 2.27 57.44 8.68 66.12 12.40 78.51 8.88 87.40 7.64 95.04 4.96 100.00

PERCENTAGE rp

10,621.95 1,147.24 2,074.57 840.12 671.77 2,639.80 1,264.77 2,915.51 1,596.75 128.70 2,554.04 4,233.04 84.52 12,214.71 1,476.36 31,381.65 15,280.98 13,828.04 12,984.36 2,546.83 120,485.72

10,621.95 11,769.20 13,843.77 14,683.89 15,355.66 17,995.46 19,260.23 22,175.73 23,772.48 23,901.19 26,455.23 30,688.27 30,772.79 42,987.50 44,463.86 75,845.51 91,126.49 104,954.53 117,938.89 120,485.72

BAND

CUM.

PERCENTAGE BAND

8.82 8.82 119.10 0.95 9.77 36.89 1.72 11.49 32.60 0.70 12.19 15.14 0.56 12.74 7.83 2.19 14.94 47.02 1.05 15.99 20.22 2.42 18.41 45.83 1.33 19.73 30.31 0.11 19.84 3.28 2.12 21.96 74.75 3.51 25.47 72.94 0.07 25.54 1.50 10.14 35.68 121.84 1.23 36.90 19.56 26.05 62.95 150.83 12.68 75.63 40.85 11.48 87.11 43.50 10.78 97.89 21.98 2.11 100.00 16.34

CUM

119.10 97.85 75.27 61.33 47.22 47.19 43.39 43.70 42.44 39.88 41.76 44.37 41.15 50.69 48.15 67.03 60.52 57.56 48.85 46.88 46.88

Page 121 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 11

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

JAWA TENGAH

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

7 4 4 2 2 1 803 672 394 205 190 211 152 199 134 171 168 76 58 26 22.943

7.116 11.063 14.680 16.493 18.432 19.484 20.287 20.959 21.353 21.558 21.748 21.959 22.111 22.310 22.444 22.615 22.783 22.859 22.917 22.943

BAND

CUM.

31.02 31.02 17.20 48.22 15.77 63.98 7.90 71.89 8.45 80.34 4.59 84.92 3.50 88.42 2.93 91.35 1.72 93.07 0.89 93.96 0.83 94.79 0.92 95.71 0.66 96.37 0.87 97.24 0.58 97.83 0.75 98.57 0.73 99.30 0.33 99.63 0.25 99.89 0.11 100.00

PERCENTAGE rp

2,598.43 932.56 1,755.07 1,471.54 2,518.86 2,071.82 2,322.56 2,567.48 1,953.07 1,176.47 1,300.85 1,564.63 1,888.68 2,548.03 1,955.89 3,007.28 3,669.89 4,963.96 6,087.22 2,844.71 49,198.98

2,598.43 3,530.99 5,286.06 6,757.60 9,276.46 11,348.28 13,670.84 16,238.32 18,191.39 19,367.86 20,668.71 22,233.34 24,122.01 26,670.05 28,625.93 31,633.21 35,303.10 40,267.06 46,354.28 49,198.98

BAND

5.28 1.90 3.57 2.99 5.12 4.21 4.72 5.22 3.97 2.39 2.64 3.18 3.84 5.18 3.98 6.11 7.46 10.09 12.37 5.78

CUM.

5.28 7.18 10.74 13.74 18.85 23.07 27.79 33.01 36.98 39.37 42.01 45.19 49.03 54.21 58.18 64.30 71.76 81.85 94.22 100.00

PERCENTAGE f

7 4 8 4 7 4 7 8 2 5 6 1 3 7 18 7 6 16 8 1 129

BAND

CUM.

PERCENTAGE rp

7 5.43 5.43 135.22 135.22 11 3.10 8.53 244.81 380.03 19 6.20 14.73 650.61 1,030.64 23 3.10 17.83 518.73 1,549.37 30 5.43 23.26 659.21 2,208.58 34 3.10 26.36 606.98 2,815.57 41 5.43 31.78 149.51 2,965.08 49 6.20 37.98 85.06 3,050.14 51 1.55 39.53 122.26 3,172.40 56 3.88 43.41 3,124.78 6,297.18 62 4.65 48.06 3,884.75 10,181.93 63 0.78 48.84 11.90 10,193.83 66 2.33 51.16 296.73 10,490.56 73 5.43 56.59 40.61 10,531.17 91 13.95 70.54 161.05 10,692.23 98 5.43 75.97 151.59 10,843.82 104 4.65 80.62 13.87 10,857.69 120 12.40 93.02 77.59 10,935.28 128 6.20 99.22 880.23 11,815.51 129 0.78 100.00 260.32 12,075.83 12,075.83

BAND

PERCENTAGE

CUM.

1.12 1.12 2.03 3.15 5.39 8.53 4.30 12.83 5.46 18.29 5.03 23.32 1.24 24.55 0.70 25.26 1.01 26.27 25.88 52.15 32.17 84.32 0.10 84.42 2.46 86.87 0.34 87.21 1.33 88.54 1.26 89.80 0.11 89.91 0.64 90.56 7.29 97.84 2.16 100.00

BAND

5.20 26.25 37.07 35.25 26.17 29.30 6.44 3.31 6.26 265.61 298.63 0.76 15.71 1.59 8.23 5.04 0.38 1.56 14.46 9.15

CUM

5.20 10.76 19.50 22.93 23.81 24.81 21.69 18.78 17.44 32.51 49.26 45.85 43.49 39.49 37.35 34.28 30.76 27.16 25.49 24.54 24.54

Page 122 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 12

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

DI YOGYAKARTA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

706 706.000 591 1.297 541 1.838 307 2.145 343 2.488 121 2.609 103 2.712 97 2.809 54 2.863 39 2.902 20 2.922 29 2.951 15 2.966 35 3.001 10 3.011 21 3.032 24 3.056 4 3.060 3 3.063 1 3.064 3.064

BAND

CUM.

23.04 23.04 19.29 42.33 17.66 59.99 10.02 70.01 11.19 81.20 3.95 85.15 3.36 88.51 3.17 91.68 1.76 93.44 1.27 94.71 0.65 95.37 0.95 96.31 0.49 96.80 1.14 97.94 0.33 98.27 0.69 98.96 0.78 99.74 0.13 99.87 0.10 99.97 0.03 100.00

PERCENTAGE rp

103.41 111.81 207.41 191.85 355.73 187.55 239.32 355.67 181.73 207.26 103.11 91.59 115.06 374.95 140.89 266.39 334.21 52.12 436.65 381.18 4,437.89

103.41 215.22 422.63 614.48 970.21 1,157.76 1,397.08 1,752.76 1,934.49 2,141.74 2,244.86 2,336.45 2,451.51 2,826.45 2,967.34 3,233.73 3,567.94 3,620.05 4,056.71 4,437.89

BAND

2.33 2.52 4.67 4.32 8.02 4.23 5.39 8.01 4.09 4.67 2.32 2.06 2.59 8.45 3.17 6.00 7.53 1.17 9.84 8.59

CUM.

2.33 4.85 9.52 13.85 21.86 26.09 31.48 39.50 43.59 48.26 50.58 52.65 55.24 63.69 66.86 72.87 80.40 81.57 91.41 100.00

PERCENTAGE f

2 1 3 1 1 0 0 1 0 0 0 0 1 0 0 0 2 0 0 0 12

BAND

CUM.

2 16.67 16.67 3 8.33 25.00 6 25.00 50.00 7 8.33 58.33 8 8.33 66.67 8 0.00 66.67 8 0.00 66.67 9 8.33 75.00 9 0.00 75.00 9 0.00 75.00 9 0.00 75.00 9 0.00 75.00 10 8.33 83.33 10 0.00 83.33 10 0.00 83.33 10 0.00 83.33 12 16.67 100.00 12 0.00 100.00 12 0.00 100.00 12 0.00 100.00

PERCENTAGE rp

200.99 35.00 112.24 9.05 70.30 0.00 0.00 75.67 0.00 0.00 0.00 0.00 73.92 0.00 0.00 0.00 49.13 0.00 0.00 0.00 626.30

200.99 235.99 348.23 357.28 427.58 427.58 427.58 503.25 503.25 503.25 503.25 503.25 577.17 577.17 577.17 577.17 626.30 626.30 626.30 626.30

BAND

32.09 5.59 17.92 1.44 11.22 0.00 0.00 12.08 0.00 0.00 0.00 0.00 11.80 0.00 0.00 0.00 7.85 0.00 0.00 0.00

PERCENTAGE

CUM.

32.09 37.68 55.60 57.05 68.27 68.27 68.27 80.35 80.35 80.35 80.35 80.35 92.15 92.15 92.15 92.15 100.00 100.00 100.00 100.00

BAND

CUM

194.37 31.30 54.12 4.72 19.76 0.00 0.00 21.28 0.00 0.00 0.00 0.00 64.24 0.00 0.00 0.00 14.70 0.00 0.00 0.00

194.37 109.65 82.40 58.14 44.07 36.93 30.61 28.71 26.01 23.50 22.42 21.54 23.54 20.42 19.45 17.85 17.55 17.30 15.44 14.11 14.11

Page 123 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 13

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

JAWA TIMUR

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

10 7 7 4 4 2 2 1 831 484 389 440 324 387 248 358 287 121 100 51 41.520

10.067 16.813 24.121 28.128 32.202 34.383 36.114 37.500 38.331 38.815 39.204 39.644 39.968 40.355 40.603 40.961 41.248 41.369 41.469 41.520

BAND

CUM.

PERCENTAGE rp

24.25 24.25 4,670.45 4,670.45 16.25 40.49 1,410.03 6,080.48 17.60 58.09 2,940.68 9,021.16 9.65 67.75 2,565.73 11,586.89 9.81 77.56 4,728.17 16,315.06 5.25 82.81 3,535.61 19,850.68 4.17 86.98 4,330.25 24,180.93 3.34 90.32 4,586.69 28,767.62 2.00 92.32 4,055.28 32,822.90 1.17 93.49 2,668.85 35,491.74 0.94 94.42 2,764.61 38,256.35 1.06 95.48 3,443.06 41,699.42 0.78 96.26 2,995.43 44,694.84 0.93 97.19 4,992.93 49,687.77 0.60 97.79 4,183.95 53,871.73 0.86 98.65 8,707.78 62,579.50 0.69 99.34 11,467.72 74,047.22 0.29 99.64 10,171.45 84,218.68 0.24 99.88 15,743.98 99,962.66 0.12 100.00 9,631.25 109,593.91 109,593.91

BAND

4.26 1.29 2.68 2.34 4.31 3.23 3.95 4.19 3.70 2.44 2.52 3.14 2.73 4.56 3.82 7.95 10.46 9.28 14.37 8.79

CUM.

4.26 5.55 8.23 10.57 14.89 18.11 22.06 26.25 29.95 32.38 34.91 38.05 40.78 45.34 49.16 57.10 67.57 76.85 91.21 100.00

PERCENTAGE f

32 1 12 8 10 6 10 11 9 9 7 0 3 10 11 20 10 7 14 7 197

BAND

CUM.

32 16.24 16.24 33 0.51 16.75 45 6.09 22.84 53 4.06 26.90 63 5.08 31.98 69 3.05 35.03 79 5.08 40.10 90 5.58 45.69 99 4.57 50.25 108 4.57 54.82 115 3.55 58.38 115 0.00 58.38 118 1.52 59.90 128 5.08 64.97 139 5.58 70.56 159 10.15 80.71 169 5.08 85.79 176 3.55 89.34 190 7.11 96.45 197 3.55 100.00

PERCENTAGE rp

6,496.26 41.80 404.13 474.59 3,908.49 712.86 1,216.11 475.32 2,413.50 1,370.85 447.78 0.00 33.79 6,381.37 244.99 9,826.92 2,162.20 2,982.65 20,296.41 1,156.30 61,046.32

6,496.26 6,538.06 6,942.19 7,416.78 11,325.27 12,038.13 13,254.24 13,729.56 16,143.06 17,513.90 17,961.68 17,961.68 17,995.47 24,376.84 24,621.83 34,448.75 36,610.95 39,593.61 59,890.02 61,046.32

BAND

CUM.

10.64 10.64 0.07 10.71 0.66 11.37 0.78 12.15 6.40 18.55 1.17 19.72 1.99 21.71 0.78 22.49 3.95 26.44 2.25 28.69 0.73 29.42 0.00 29.42 0.06 29.48 10.45 39.93 0.40 40.33 16.10 56.43 3.54 59.97 4.89 64.86 33.25 98.11 1.89 100.00

PERCENTAGE BAND

139.09 2.96 13.74 18.50 82.66 20.16 28.08 10.36 59.51 51.36 16.20 0.00 1.13 127.81 5.86 112.85 18.85 29.32 128.92 12.01

CUM

139.09 107.53 76.95 64.01 69.42 60.64 54.81 47.73 49.18 49.35 46.95 43.07 40.26 49.06 45.70 55.05 49.44 47.01 59.91 55.70 55.70

Page 124 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 14

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

KALIMANTAN BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

7 6 4 1 819 231 174 105 60 21 18 30 14 14 8 17 23 6 7 6 19.602

7.083 13.426 16.935 18.049 18.868 19.099 19.273 19.378 19.438 19.459 19.477 19.507 19.521 19.535 19.543 19.560 19.583 19.589 19.596 19.602

BAND

CUM.

36.13 36.13 32.36 68.49 17.90 86.39 5.68 92.08 4.18 96.26 1.18 97.43 0.89 98.32 0.54 98.86 0.31 99.16 0.11 99.27 0.09 99.36 0.15 99.52 0.07 99.59 0.07 99.66 0.04 99.70 0.09 99.79 0.12 99.90 0.03 99.93 0.04 99.97 0.03 100.00

PERCENTAGE rp

4,416.49 3,161.52 3,610.61 1,858.94 2,342.36 919.61 891.11 606.10 452.75 128.82 220.39 413.79 323.27 588.95 201.71 289.92 1,331.47 659.72 697.59 66.97 23,182.10

4,416.49 7,578.01 11,188.62 13,047.56 15,389.93 16,309.53 17,200.65 17,806.75 18,259.50 18,388.32 18,608.71 19,022.50 19,345.77 19,934.72 20,136.43 20,426.35 21,757.82 22,417.54 23,115.13 23,182.10

BAND

19.05 13.64 15.58 8.02 10.10 3.97 3.84 2.61 1.95 0.56 0.95 1.78 1.39 2.54 0.87 1.25 5.74 2.85 3.01 0.29

CUM.

19.05 32.69 48.26 56.28 66.39 70.35 74.20 76.81 78.77 79.32 80.27 82.06 83.45 85.99 86.86 88.11 93.86 96.70 99.71 100.00

PERCENTAGE

PERCENTAGE f

31 29 20 12 2 1 3 1 3 0 1 1 0 0 0 0 0 4 2 0 110

BAND

CUM.

31 60 80 92 94 95 98 99 102 102 103 104 104 104 104 104 104 108 110 110

28.18 28.18 26.36 54.55 18.18 72.73 10.91 83.64 1.82 85.45 0.91 86.36 2.73 89.09 0.91 90.00 2.73 92.73 0.00 92.73 0.91 93.64 0.91 94.55 0.00 94.55 0.00 94.55 0.00 94.55 0.00 94.55 0.00 94.55 3.64 98.18 1.82 100.00 0.00 100.00

1,798.47 1,798.47 1,440.72 3,239.19 1,882.02 5,121.21 995.26 6,116.47 1,737.47 7,853.94 0.62 7,854.56 1,830.36 9,684.92 50.00 9,734.92 1,847.00 11,581.93 0.00 11,581.93 2,115.83 13,697.76 2,242.83 15,940.59 0.00 15,940.59 0.00 15,940.59 0.00 15,940.59 0.00 15,940.59 0.00 15,940.59 2,606.63 18,547.22 748.66 19,295.88 0.00 19,295.88 19,295.88

BAND

PERCENTAGE

CUM.

9.32 9.32 7.47 16.79 9.75 26.54 5.16 31.70 9.00 40.70 0.00 40.71 9.49 50.19 0.26 50.45 9.57 60.02 0.00 60.02 10.97 70.99 11.62 82.61 0.00 82.61 0.00 82.61 0.00 82.61 0.00 82.61 0.00 82.61 13.51 96.12 3.88 100.00 0.00 100.00

BAND

40.72 45.57 52.12 53.54 74.18 0.07 205.40 8.25 407.95 0.00 960.02 542.02 0.00 0.00 0.00 0.00 0.00 395.11 107.32 0.00

CUM

40.72 42.74 45.77 46.88 51.03 48.16 56.31 54.67 63.43 62.99 73.61 83.80 82.40 79.96 79.16 78.04 73.26 82.74 83.48 83.24 83.24

Page 125 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 15

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

KALIMANTAN TENGAH

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

937 937.000 579 1.516 484 2.000 229 2.229 283 2.512 104 2.616 59 2.675 40 2.715 19 2.734 7 2.741 4 2.745 11 2.756 5 2.761 4 2.765 2 2.767 10 2.777 8 2.785 0 2.785 3 2.788 0 2.788 2.788

BAND

CUM.

33.61 33.61 20.77 54.38 17.36 71.74 8.21 79.95 10.15 90.10 3.73 93.83 2.12 95.95 1.43 97.38 0.68 98.06 0.25 98.31 0.14 98.46 0.39 98.85 0.18 99.03 0.14 99.18 0.07 99.25 0.36 99.61 0.29 99.89 0.00 99.89 0.11 100.00 0.00 100.00

PERCENTAGE rp

521.38 260.38 407.93 322.39 614.23 313.17 256.11 216.70 164.87 22.38 20.28 167.82 215.73 116.07 18.52 477.42 718.95 0.00 5.30 0.00 4,839.62

521.38 781.75 1,189.68 1,512.07 2,126.30 2,439.47 2,695.59 2,912.29 3,077.16 3,099.55 3,119.82 3,287.64 3,503.37 3,619.44 3,637.96 4,115.38 4,834.32 4,834.32 4,839.62 4,839.62

BAND

10.77 5.38 8.43 6.66 12.69 6.47 5.29 4.48 3.41 0.46 0.42 3.47 4.46 2.40 0.38 9.86 14.86 0.00 0.11 0.00

CUM.

10.77 16.15 24.58 31.24 43.94 50.41 55.70 60.18 63.58 64.05 64.46 67.93 72.39 74.79 75.17 85.04 99.89 99.89 100.00 100.00

PERCENTAGE f

7 6 4 2 1 0 1 0 1 0 0 1 0 0 0 1 0 0 0 0 24

BAND

CUM.

PERCENTAGE rp

7 29.17 29.17 177.41 177.41 13 25.00 54.17 340.41 517.82 17 16.67 70.83 501.75 1,019.57 19 8.33 79.17 255.39 1,274.96 20 4.17 83.33 315.00 1,589.96 20 0.00 83.33 0.00 1,589.96 21 4.17 87.50 356.22 1,946.18 21 0.00 87.50 0.00 1,946.18 22 4.17 91.67 20.05 1,966.23 22 0.00 91.67 0.00 1,966.23 22 0.00 91.67 0.00 1,966.23 23 4.17 95.83 2,130.26 4,096.49 23 0.00 95.83 0.00 4,096.49 23 0.00 95.83 0.00 4,096.49 23 0.00 95.83 0.00 4,096.49 24 4.17 100.00 1,065.13 5,161.62 24 0.00 100.00 0.00 5,161.62 24 0.00 100.00 0.00 5,161.62 24 0.00 100.00 0.00 5,161.62 24 0.00 100.00 0.00 5,161.62 5,161.62

BAND

3.44 6.59 9.72 4.95 6.10 0.00 6.90 0.00 0.39 0.00 0.00 41.27 0.00 0.00 0.00 20.64 0.00 0.00 0.00 0.00

CUM.

PERCENTAGE BAND

3.44 34.03 10.03 130.74 19.75 123.00 24.70 79.22 30.80 51.28 30.80 0.00 37.70 139.08 37.70 0.00 38.09 12.16 38.09 0.00 38.09 0.00 79.36 1,269.39 79.36 0.00 79.36 0.00 79.36 0.00 100.00 223.10 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

CUM

34.03 66.24 85.70 84.32 74.78 65.18 72.20 66.83 63.90 63.44 63.02 124.60 116.93 113.18 112.60 125.42 106.77 106.77 106.65 106.65 106.65

Page 126 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 16

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

KALIMANTAN SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

3 1 1 478 509 222 162 126 68 38 32 34 20 27 12 18 18 12 14 2 6.933

2.638 4.071 5.141 5.619 6.128 6.350 6.512 6.638 6.706 6.744 6.776 6.810 6.830 6.857 6.869 6.887 6.905 6.917 6.931 6.933

BAND

CUM.

PERCENTAGE rp

38.05 38.05 961.67 961.67 20.67 58.72 376.21 1,337.88 15.43 74.15 586.05 1,923.93 6.89 81.05 464.93 2,388.86 7.34 88.39 871.46 3,260.32 3.20 91.59 573.53 3,833.85 2.34 93.93 650.64 4,484.49 1.82 95.74 615.65 5,100.14 0.98 96.73 430.39 5,530.52 0.55 97.27 197.62 5,728.14 0.46 97.74 213.29 5,941.43 0.49 98.23 337.31 6,278.74 0.29 98.51 185.64 6,464.39 0.39 98.90 356.59 6,820.98 0.17 99.08 291.64 7,112.63 0.26 99.34 635.22 7,747.84 0.26 99.60 973.12 8,720.97 0.17 99.77 1,852.59 10,573.55 0.20 99.97 6,937.67 17,511.23 0.03 100.00 261.56 17,772.79 17,772.79

BAND

5.41 2.12 3.30 2.62 4.90 3.23 3.66 3.46 2.42 1.11 1.20 1.90 1.04 2.01 1.64 3.57 5.48 10.42 39.04 1.47

CUM.

5.41 7.53 10.83 13.44 18.34 21.57 25.23 28.70 31.12 32.23 33.43 35.33 36.37 38.38 40.02 43.59 49.07 59.49 98.53 100.00

PERCENTAGE f

6 2 2 1 4 0 2 2 0 0 0 2 0 1 0 0 3 4 2 0 31

BAND

CUM.

PERCENTAGE rp

6 19.35 19.35 1,110.26 1,110.26 8 6.45 25.81 231.88 1,342.14 10 6.45 32.26 90.00 1,432.14 11 3.23 35.48 33.60 1,465.74 15 12.90 48.39 862.11 2,327.85 15 0.00 48.39 0.00 2,327.85 17 6.45 54.84 19.04 2,346.89 19 6.45 61.29 1,974.94 4,321.83 19 0.00 61.29 0.00 4,321.83 19 0.00 61.29 0.00 4,321.83 19 0.00 61.29 0.00 4,321.83 21 6.45 67.74 50.56 4,372.40 21 0.00 67.74 0.00 4,372.40 22 3.23 70.97 218.11 4,590.51 22 0.00 70.97 0.00 4,590.51 22 0.00 70.97 0.00 4,590.51 25 9.68 80.65 603.35 5,193.86 29 12.90 93.55 1,820.14 7,014.00 31 6.45 100.00 812.06 7,826.06 31 0.00 100.00 0.00 7,826.06 7,826.06

BAND

CUM.

14.19 14.19 2.96 17.15 1.15 18.30 0.43 18.73 11.02 29.74 0.00 29.74 0.24 29.99 25.24 55.22 0.00 55.22 0.00 55.22 0.00 55.22 0.65 55.87 0.00 55.87 2.79 58.66 0.00 58.66 0.00 58.66 7.71 66.37 23.26 89.62 10.38 100.00 0.00 100.00

PERCENTAGE BAND

CUM

115.45 61.64 15.36 7.23 98.93 0.00 2.93 320.79 0.00 0.00 0.00 14.99 0.00 61.17 0.00 0.00 62.00 98.25 11.71 0.00

115.45 100.32 74.44 61.36 71.40 60.72 52.33 84.74 78.15 75.45 72.74 69.64 67.64 67.30 64.54 59.25 59.56 66.34 44.69 44.03 44.03

Page 127 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 17

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

KALIMANTAN TIMUR

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2 2 2 1 1 440 338 229 126 56 72 63 37 54 26 42 37 16 12 8 9.690

1.856 3.831 5.978 7.081 8.134 8.574 8.912 9.141 9.267 9.323 9.395 9.458 9.495 9.549 9.575 9.617 9.654 9.670 9.682 9.690

BAND

CUM.

19.15 19.15 20.38 39.54 22.16 61.69 11.38 73.08 10.87 83.94 4.54 88.48 3.49 91.97 2.36 94.33 1.30 95.63 0.58 96.21 0.74 96.96 0.65 97.61 0.38 97.99 0.56 98.54 0.27 98.81 0.43 99.25 0.38 99.63 0.17 99.79 0.12 99.92 0.08 100.00

PERCENTAGE rp

652.33 590.56 1,245.89 1,178.02 1,759.84 1,146.33 966.55 917.92 522.11 351.14 337.30 404.74 429.03 697.27 271.35 708.27 963.93 1,385.26 5,485.01 5,924.74 25,937.58

652.33 1,242.89 2,488.77 3,666.79 5,426.63 6,572.96 7,539.51 8,457.43 8,979.54 9,330.67 9,667.98 10,072.72 10,501.75 11,199.01 11,470.36 12,178.63 13,142.56 14,527.83 20,012.84 25,937.58

BAND

2.51 2.28 4.80 4.54 6.78 4.42 3.73 3.54 2.01 1.35 1.30 1.56 1.65 2.69 1.05 2.73 3.72 5.34 21.15 22.84

CUM.

2.51 4.79 9.60 14.14 20.92 25.34 29.07 32.61 34.62 35.97 37.27 38.83 40.49 43.18 44.22 46.95 50.67 56.01 77.16 100.00

PERCENTAGE f

6 5 4 3 3 2 4 1 2 1 1 1 0 2 0 1 2 1 0 0 39

BAND

6 11 15 18 21 23 27 28 30 31 32 33 33 35 35 36 38 39 39 39

CUM.

PERCENTAGE rp

15.38 15.38 4,170.87 4,170.87 12.82 28.21 321.91 4,492.78 10.26 38.46 391.79 4,884.57 7.69 46.15 690.30 5,574.87 7.69 53.85 807.37 6,382.24 5.13 58.97 11.20 6,393.44 10.26 69.23 518.00 6,911.44 2.56 71.79 0.80 6,912.24 5.13 76.92 117.92 7,030.16 2.56 79.49 1,721.93 8,752.09 2.56 82.05 6.54 8,758.63 2.56 84.62 996.36 9,754.99 0.00 84.62 0.00 9,754.99 5.13 89.74 1,840.16 11,595.15 0.00 89.74 0.00 11,595.15 2.56 92.31 471.68 12,066.83 5.13 97.44 637.11 12,703.94 2.56 100.00 0.00 12,703.94 0.00 100.00 0.00 12,703.94 0.00 100.00 0.00 12,703.94 12,703.94

BAND

32.83 2.53 3.08 5.43 6.36 0.09 4.08 0.01 0.93 13.55 0.05 7.84 0.00 14.48 0.00 3.71 5.02 0.00 0.00 0.00

PERCENTAGE

CUM.

32.83 35.37 38.45 43.88 50.24 50.33 54.40 54.41 55.34 68.89 68.94 76.79 76.79 91.27 91.27 94.98 100.00 100.00 100.00 100.00

BAND

CUM

639.38 54.51 31.45 58.60 45.88 0.98 53.59 0.09 22.59 490.39 1.94 246.17 0.00 263.91 0.00 66.60 66.09 0.00 0.00 0.00

639.38 361.48 196.26 152.04 117.61 97.27 91.67 81.73 78.29 93.80 90.59 96.85 92.89 103.54 101.09 99.08 96.66 87.45 63.48 48.98 48.98

Page 128 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 18

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

SULAWESI UTARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2 1 1 610 629 326 225 151 73 33 20 19 26 32 9 9 8 3 2 2 6.300

1.678 2.920 4.123 4.733 5.362 5.688 5.913 6.064 6.137 6.170 6.190 6.209 6.235 6.267 6.276 6.285 6.293 6.296 6.298 6.300

BAND

CUM.

PERCENTAGE rp

26.63 26.63 1,102.76 19.71 46.35 274.26 19.10 65.44 549.22 9.68 75.13 427.99 9.98 85.11 785.89 5.17 90.29 648.74 3.57 93.86 695.72 2.40 96.25 595.21 1.16 97.41 394.15 0.52 97.94 212.48 0.32 98.25 130.30 0.30 98.56 174.48 0.41 98.97 288.28 0.51 99.48 299.14 0.14 99.62 134.36 0.14 99.76 155.41 0.13 99.89 135.83 0.05 99.94 73.28 0.03 99.97 14.80 0.03 100.00 16.26 7,108.58

1,102.76 1,377.02 1,926.24 2,354.23 3,140.13 3,788.87 4,484.59 5,079.80 5,473.95 5,686.43 5,816.73 5,991.21 6,279.50 6,578.64 6,713.00 6,868.41 7,004.24 7,077.52 7,092.32 7,108.58

BAND

15.51 3.86 7.73 6.02 11.06 9.13 9.79 8.37 5.54 2.99 1.83 2.45 4.06 4.21 1.89 2.19 1.91 1.03 0.21 0.23

CUM.

15.51 19.37 27.10 33.12 44.17 53.30 63.09 71.46 77.00 79.99 81.83 84.28 88.34 92.55 94.44 96.62 98.53 99.56 99.77 100.00

PERCENTAGE f

3 5 5 3 1 1 0 0 0 0 2 1 0 0 0 0 1 0 0 0 22

BAND

3 8 13 16 17 18 18 18 18 18 20 21 21 21 21 21 22 22 22 22

13.64 22.73 22.73 13.64 4.55 4.55 0.00 0.00 0.00 0.00 9.09 4.55 0.00 0.00 0.00 0.00 4.55 0.00 0.00 0.00

CUM.

PERCENTAGE rp

13.64 56.75 56.75 36.36 158.96 215.71 59.09 279.88 495.59 72.73 587.14 1,082.73 77.27 261.45 1,344.18 81.82 0.00 1,344.18 81.82 0.00 1,344.18 81.82 0.00 1,344.18 81.82 0.00 1,344.18 81.82 0.00 1,344.18 90.91 4,167.28 5,511.46 95.45 11.51 5,522.97 95.45 0.00 5,522.97 95.45 0.00 5,522.97 95.45 0.00 5,522.97 95.45 0.00 5,522.97 100.00 25.00 5,547.97 100.00 0.00 5,547.97 100.00 0.00 5,547.97 100.00 0.00 5,547.97 5,547.97

BAND

1.02 2.87 5.04 10.58 4.71 0.00 0.00 0.00 0.00 0.00 75.11 0.21 0.00 0.00 0.00 0.00 0.45 0.00 0.00 0.00

CUM.

PERCENTAGE BAND

1.02 5.15 3.89 57.96 8.93 50.96 19.52 137.19 24.23 33.27 24.23 0.00 24.23 0.00 24.23 0.00 24.23 0.00 24.23 0.00 99.34 3,198.25 99.55 6.59 99.55 0.00 99.55 0.00 99.55 0.00 99.55 0.00 100.00 18.41 100.00 0.00 100.00 0.00 100.00 0.00

CUM

5.15 15.66 25.73 45.99 42.81 35.48 29.97 26.46 24.56 23.64 94.75 92.18 87.95 83.95 82.27 80.41 79.21 78.39 78.23 78.05 78.05

Page 129 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 19

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

SULAWESI TENGAH

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

1 704 743 372 397 201 107 75 34 18 12 14 6 7 3 12 2 1 0 0 3.748

1.040 1.744 2.487 2.859 3.256 3.457 3.564 3.639 3.673 3.691 3.703 3.717 3.723 3.730 3.733 3.745 3.747 3.748 3.748 3.748

BAND

CUM.

27.75 27.75 18.78 46.53 19.82 66.36 9.93 76.28 10.59 86.87 5.36 92.24 2.85 95.09 2.00 97.09 0.91 98.00 0.48 98.48 0.32 98.80 0.37 99.17 0.16 99.33 0.19 99.52 0.08 99.60 0.32 99.92 0.05 99.97 0.03 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

165.30 197.21 429.77 367.48 614.29 420.69 363.36 276.07 134.65 95.29 96.69 133.86 67.36 69.17 42.37 361.76 87.03 222.50 0.00 0.00 4,144.84

165.30 362.52 792.28 1,159.77 1,774.05 2,194.74 2,558.10 2,834.17 2,968.82 3,064.11 3,160.80 3,294.66 3,362.02 3,431.19 3,473.56 3,835.31 3,922.34 4,144.84 4,144.84 4,144.84

BAND

3.99 4.76 10.37 8.87 14.82 10.15 8.77 6.66 3.25 2.30 2.33 3.23 1.63 1.67 1.02 8.73 2.10 5.37 0.00 0.00

CUM.

3.99 8.75 19.11 27.98 42.80 52.95 61.72 68.38 71.63 73.93 76.26 79.49 81.11 82.78 83.80 92.53 94.63 100.00 100.00 100.00

PERCENTAGE f

1 1 1 0 2 1 1 2 0 0 0 0 0 0 0 0 0 0 0 0 9

BAND

1 2 3 3 5 6 7 9 9 9 9 9 9 9 9 9 9 9 9 9

11.11 11.11 11.11 0.00 22.22 11.11 11.11 22.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

11.11 22.22 33.33 33.33 55.56 66.67 77.78 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

29.25 90.00 149.56 0.00 289.51 409.66 290.70 167.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,425.72

29.25 119.25 268.81 268.81 558.33 967.98 1,258.68 1,425.72 1,425.72 1,425.72 1,425.72 1,425.72 1,425.72 1,425.72 1,425.72 1,425.72 1,425.72 1,425.72 1,425.72 1,425.72

BAND

2.05 6.31 10.49 0.00 20.31 28.73 20.39 11.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE

CUM.

BAND

2.05 8.36 18.85 18.85 39.16 67.89 88.28 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

17.69 45.64 34.80 0.00 47.13 97.38 80.00 60.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

17.69 32.89 33.93 23.18 31.47 44.10 49.20 50.30 48.02 46.53 45.11 43.27 42.41 41.55 41.04 37.17 36.35 34.40 34.40 34.40 34.40

Page 130 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

SULAWESI SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2 2 2 740 621 244 227 145 92 53 46 53 37 42 29 37 18 11 7 10 7.771

2.057 3.718 5.359 6.099 6.720 6.964 7.191 7.336 7.428 7.481 7.527 7.580 7.617 7.659 7.688 7.725 7.743 7.754 7.761 7.771

BAND

CUM.

PERCENTAGE rp

26.47 26.47 441.50 441.50 21.37 47.84 409.13 850.63 21.12 68.96 903.95 1,754.58 9.52 78.48 749.90 2,504.48 7.99 86.48 953.16 3,457.64 3.14 89.62 618.78 4,076.43 2.92 92.54 730.06 4,806.49 1.87 94.40 585.01 5,391.50 1.18 95.59 370.30 5,761.80 0.68 96.27 267.97 6,029.77 0.59 96.86 291.34 6,321.11 0.68 97.54 409.19 6,730.30 0.48 98.02 198.56 6,928.86 0.54 98.56 719.71 7,648.56 0.37 98.93 374.33 8,022.89 0.48 99.41 595.03 8,617.92 0.23 99.64 599.59 9,217.51 0.14 99.78 968.84 10,186.35 0.09 99.87 328.74 10,515.09 0.13 100.00 1,659.73 12,174.81 12,174.81

BAND

3.63 3.36 7.42 6.16 7.83 5.08 6.00 4.81 3.04 2.20 2.39 3.36 1.63 5.91 3.07 4.89 4.92 7.96 2.70 13.63

CUM.

3.63 6.99 14.41 20.57 28.40 33.48 39.48 44.28 47.33 49.53 51.92 55.28 56.91 62.82 65.90 70.78 75.71 83.67 86.37 100.00

PERCENTAGE f

2 0 0 2 2 2 0 1 1 1 0 0 2 0 1 1 0 0 0 0 15

BAND

2 2 2 4 6 8 8 9 10 11 11 11 13 13 14 15 15 15 15 15

13.33 0.00 0.00 13.33 13.33 13.33 0.00 6.67 6.67 6.67 0.00 0.00 13.33 0.00 6.67 6.67 0.00 0.00 0.00 0.00

CUM.

PERCENTAGE rp

13.33 52.50 52.50 13.33 0.00 52.50 13.33 0.00 52.50 26.67 131.83 184.33 40.00 433.98 618.31 53.33 652.29 1,270.60 53.33 0.00 1,270.60 60.00 1,500.00 2,770.60 66.67 126.58 2,897.18 73.33 111.98 3,009.16 73.33 0.00 3,009.16 73.33 0.00 3,009.16 86.67 8.78 3,017.95 86.67 0.00 3,017.95 93.33 126.66 3,144.60 100.00 11,233.55 14,378.15 100.00 0.00 14,378.15 100.00 0.00 14,378.15 100.00 0.00 14,378.15 100.00 0.00 14,378.15 14,378.15

BAND

0.37 0.00 0.00 0.92 3.02 4.54 0.00 10.43 0.88 0.78 0.00 0.00 0.06 0.00 0.88 78.13 0.00 0.00 0.00 0.00

CUM.

PERCENTAGE BAND

0.37 11.89 0.37 0.00 0.37 0.00 1.28 17.58 4.30 45.53 8.84 105.41 8.84 0.00 19.27 256.40 20.15 34.18 20.93 41.79 20.93 0.00 20.93 0.00 20.99 4.42 20.99 0.00 21.87 33.84 100.00 1,887.88 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

CUM

11.89 6.17 2.99 7.36 17.88 31.17 26.44 51.39 50.28 49.91 47.61 44.71 43.56 39.46 39.20 166.84 155.99 141.15 136.74 118.10 118.10

Page 131 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 21

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

SULAWESI TENGGARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

324 324.000 303 627.000 276 903.000 151 1.054 110 1.164 48 1.212 51 1.263 12 1.275 5 1.280 3 1.283 1 1.284 6 1.290 4 1.294 1 1.295 2 1.297 2 1.299 4 1.303 0 1.303 1 1.304 0 1.304 1.304

BAND

CUM.

24.85 24.85 23.24 48.08 21.17 69.25 11.58 80.83 8.44 89.26 3.68 92.94 3.91 96.86 0.92 97.78 0.38 98.16 0.23 98.39 0.08 98.47 0.46 98.93 0.31 99.23 0.08 99.31 0.15 99.46 0.15 99.62 0.31 99.92 0.00 99.92 0.08 100.00 0.00 100.00

PERCENTAGE rp

35.65 81.13 165.63 138.27 164.88 126.77 132.89 25.86 21.21 10.80 15.60 62.42 19.90 28.93 1.77 5.35 6.14 0.00 1.05 0.00 1,044.25

35.65 116.78 282.41 420.68 585.56 712.33 845.21 871.07 892.29 903.08 918.68 981.10 1,001.01 1,029.94 1,031.71 1,037.06 1,043.20 1,043.20 1,044.25 1,044.25

BAND

3.41 7.77 15.86 13.24 15.79 12.14 12.73 2.48 2.03 1.03 1.49 5.98 1.91 2.77 0.17 0.51 0.59 0.00 0.10 0.00

CUM.

3.41 11.18 27.04 40.29 56.07 68.21 80.94 83.42 85.45 86.48 87.98 93.95 95.86 98.63 98.80 99.31 99.90 99.90 100.00 100.00

PERCENTAGE f

0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1

BAND

0 0.00 0 0.00 1 100.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00

CUM.

0.00 0.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE RP

0.00 0.00 48.78 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 0.00 0.00 0.00 0.00 0.00 48.78 100.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00 48.78 0.00 100.00

48.78

BAND

PERCENTAGE

CUM.

BAND

0.00 0.00 29.45 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

CUM

0.00 0.00 17.27 11.60 8.33 6.85 5.77 5.60 5.47 5.40 5.31 4.97 4.87 4.74 4.73 4.70 4.68 4.68 4.67 4.67 4.67

Page 132 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 22

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

BALI

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

2 1 1 851 868 494 365 347 167 95 73 77 54 66 32 33 26 11 16 6 7.667

1.616 2.805 4.086 4.937 5.805 6.299 6.664 7.011 7.178 7.273 7.346 7.423 7.477 7.543 7.575 7.608 7.634 7.645 7.661 7.667

BAND

CUM.

21.08 21.08 15.51 36.59 16.71 53.29 11.10 64.39 11.32 75.71 6.44 82.16 4.76 86.92 4.53 91.44 2.18 93.62 1.24 94.86 0.95 95.81 1.00 96.82 0.70 97.52 0.86 98.38 0.42 98.80 0.43 99.23 0.34 99.57 0.14 99.71 0.21 99.92 0.08 100.00

PERCENTAGE rp

237.01 288.98 570.57 611.32 1,042.79 793.86 850.91 1,013.08 621.32 451.41 382.01 531.65 505.70 676.12 414.84 579.66 1,038.92 822.50 2,134.44 840.12 14,407.21

237.01 526.00 1,096.57 1,707.88 2,750.67 3,544.53 4,395.44 5,408.52 6,029.84 6,481.25 6,863.26 7,394.90 7,900.60 8,576.73 8,991.57 9,571.23 10,610.15 11,432.65 13,567.09 14,407.21

BAND

1.65 2.01 3.96 4.24 7.24 5.51 5.91 7.03 4.31 3.13 2.65 3.69 3.51 4.69 2.88 4.02 7.21 5.71 14.82 5.83

CUM.

1.65 3.65 7.61 11.85 19.09 24.60 30.51 37.54 41.85 44.99 47.64 51.33 54.84 59.53 62.41 66.43 73.64 79.35 94.17 100.00

PERCENTAGE f

1 2 3 3 6 4 2 3 2 1 1 2 0 2 0 1 1 0 4 2 40

BAND

CUM.

PERCENTAGE rp

1 2.50 2.50 8.00 8.00 3 5.00 7.50 105.54 113.54 6 7.50 15.00 0.59 114.12 9 7.50 22.50 227.26 341.38 15 15.00 37.50 9,359.28 9,700.66 19 10.00 47.50 10.03 9,710.69 21 5.00 52.50 123.68 9,834.37 24 7.50 60.00 91.24 9,925.61 26 5.00 65.00 1,241.40 11,167.01 27 2.50 67.50 1.51 11,168.52 28 2.50 70.00 6.28 11,174.81 30 5.00 75.00 11.81 11,186.62 30 0.00 75.00 0.00 11,186.62 32 5.00 80.00 4.00 11,190.62 32 0.00 80.00 0.00 11,190.62 33 2.50 82.50 751.90 11,942.52 34 2.50 85.00 43.34 11,985.86 34 0.00 85.00 0.00 11,985.86 38 10.00 95.00 95.48 12,081.35 40 5.00 100.00 667.29 12,748.63 12,748.63

BAND

PERCENTAGE

CUM.

0.06 0.06 0.83 0.89 0.00 0.90 1.78 2.68 73.41 76.09 0.08 76.17 0.97 77.14 0.72 77.86 9.74 87.59 0.01 87.61 0.05 87.65 0.09 87.75 0.00 87.75 0.03 87.78 0.00 87.78 5.90 93.68 0.34 94.02 0.00 94.02 0.75 94.77 5.23 100.00

BAND

CUM

3.38 36.52 0.10 37.18 897.52 1.26 14.53 9.01 199.80 0.33 1.65 2.22 0.00 0.59 0.00 129.71 4.17 0.00 4.47 79.43

3.38 21.58 10.41 19.99 352.67 273.96 223.74 183.52 185.20 172.32 162.82 151.27 141.59 130.48 124.46 124.78 112.97 104.84 89.05 88.49 88.49

Page 133 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 23

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

NUSA TEGGARA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

562 562.000 385 947.000 217 1.164 128 1.292 146 1.438 54 1.492 51 1.543 35 1.578 21 1.599 9 1.608 16 1.624 11 1.635 11 1.646 17 1.663 0 1.663 7 1.670 2 1.672 3 1.675 2 1.677 0 1.677 1.677

BAND

CUM.

33.51 33.51 22.96 56.47 12.94 69.41 7.63 77.04 8.71 85.75 3.22 88.97 3.04 92.01 2.09 94.10 1.25 95.35 0.54 95.89 0.95 96.84 0.66 97.50 0.66 98.15 1.01 99.17 0.00 99.17 0.42 99.58 0.12 99.70 0.18 99.88 0.12 100.00 0.00 100.00

PERCENTAGE rp

63.47 110.76 124.33 107.78 232.93 122.86 219.84 114.35 117.27 68.42 79.31 60.13 110.01 120.59 0.00 64.15 25.56 179.56 486.09 0.00 2,407.43

63.47 174.23 298.56 406.34 639.28 762.13 981.97 1,096.32 1,213.59 1,282.01 1,361.32 1,421.45 1,531.47 1,652.06 1,652.06 1,716.21 1,741.77 1,921.33 2,407.43 2,407.43

BAND

2.64 4.60 5.16 4.48 9.68 5.10 9.13 4.75 4.87 2.84 3.29 2.50 4.57 5.01 0.00 2.66 1.06 7.46 20.19 0.00

CUM.

2.64 7.24 12.40 16.88 26.55 31.66 40.79 45.54 50.41 53.25 56.55 59.04 63.61 68.62 68.62 71.29 72.35 79.81 100.00 100.00

PERCENTAGE f

1 1 1 0 2 0 0 0 1 0 0 0 0 0 0 4 0 0 0 0 10

BAND

1 2 3 3 5 5 5 5 6 6 6 6 6 6 6 10 10 10 10 10

10.00 10.00 10.00 0.00 20.00 0.00 0.00 0.00 10.00 0.00 0.00 0.00 0.00 0.00 0.00 40.00 0.00 0.00 0.00 0.00

CUM.

10.00 20.00 30.00 30.00 50.00 50.00 50.00 50.00 60.00 60.00 60.00 60.00 60.00 60.00 60.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

2.43 1.98 1.50 0.00 4.14 0.00 0.00 0.00 12.88 0.00 0.00 0.00 0.00 0.00 0.00 109.03 0.00 0.00 0.00 0.00 131.96

2.43 4.41 5.91 5.91 10.05 10.05 10.05 10.05 22.93 22.93 22.93 22.93 22.93 22.93 22.93 131.96 131.96 131.96 131.96 131.96

BAND

1.84 1.50 1.14 0.00 3.14 0.00 0.00 0.00 9.76 0.00 0.00 0.00 0.00 0.00 0.00 82.63 0.00 0.00 0.00 0.00

PERCENTAGE

CUM.

BAND

1.84 3.34 4.48 4.48 7.62 7.62 7.62 7.62 17.37 17.37 17.37 17.37 17.37 17.37 17.37 100.00 100.00 100.00 100.00 100.00

3.83 1.79 1.21 0.00 1.78 0.00 0.00 0.00 10.98 0.00 0.00 0.00 0.00 0.00 0.00 169.96 0.00 0.00 0.00 0.00

CUM

3.83 2.53 1.98 1.45 1.57 1.32 1.02 0.92 1.89 1.79 1.68 1.61 1.50 1.39 1.39 7.69 7.58 6.87 5.48 5.48 5.48

Page 134 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 24

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

NUSA TEGGARA TIMUR

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

344 344.000 339 683.000 365 1.048 214 1.262 235 1.497 103 1.600 56 1.656 29 1.685 26 1.711 11 1.722 13 1.735 3 1.738 4 1.742 2 1.744 1 1.745 2 1.747 4 1.751 0 1.751 0 1.751 4 1.755 1.755

BAND

CUM.

19.60 19.60 19.32 38.92 20.80 59.72 12.19 71.91 13.39 85.30 5.87 91.17 3.19 94.36 1.65 96.01 1.48 97.49 0.63 98.12 0.74 98.86 0.17 99.03 0.23 99.26 0.11 99.37 0.06 99.43 0.11 99.54 0.23 99.77 0.00 99.77 0.00 99.77 0.23 100.00

PERCENTAGE rp

50.82 130.11 273.61 268.25 469.48 240.40 217.57 132.22 133.90 72.37 63.70 9.38 25.28 8.28 3.50 80.55 61.60 0.00 0.00 537.38 2,778.41

50.82 180.93 454.54 722.80 1,192.28 1,432.68 1,650.25 1,782.47 1,916.38 1,988.74 2,052.44 2,061.82 2,087.10 2,095.38 2,098.88 2,179.44 2,241.03 2,241.03 2,241.03 2,778.41

BAND

1.83 4.68 9.85 9.65 16.90 8.65 7.83 4.76 4.82 2.60 2.29 0.34 0.91 0.30 0.13 2.90 2.22 0.00 0.00 19.34

CUM.

1.83 6.51 16.36 26.01 42.91 51.56 59.40 64.15 68.97 71.58 73.87 74.21 75.12 75.42 75.54 78.44 80.66 80.66 80.66 100.00

PERCENTAGE f

0 1 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3

BAND

CUM.

0 0.00 0.00 1 33.33 33.33 3 66.67 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00

PERCENTAGE RP

0.00 59.50 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

0.00 0.00 0.00 59.50 100.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00 59.50 0.00 100.00

59.50

BAND

PERCENTAGE

CUM.

BAND

0.00 45.73 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

CUM

0.00 32.89 13.09 8.23 4.99 4.15 3.61 3.34 3.10 2.99 2.90 2.89 2.85 2.84 2.83 2.73 2.66 2.66 2.66 2.14 2.14

Page 135 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 25

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

MALUKU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

126 101 120 94 119 82 46 38 20 6 2 7 1 9 5 1 5 1 1 1 785

126 227 347 441 560 642 688 726 746 752 754 761 762 771 776 777 782 783 784 785

BAND

CUM.

PERCENTAGE rp

16.05 16.05 14.08 12.87 28.92 28.81 15.29 44.20 61.57 11.97 56.18 85.31 15.16 71.34 199.03 10.45 81.78 194.71 5.86 87.64 138.48 4.84 92.48 138.09 2.55 95.03 89.65 0.76 95.80 42.33 0.25 96.05 4.64 0.89 96.94 63.41 0.13 97.07 8.62 1.15 98.22 60.20 0.64 98.85 45.20 0.13 98.98 6.18 0.64 99.62 450.06 0.13 99.75 2.79 0.13 99.87 1.64 0.13 100.00 4,536.75 6,171.56

14.08 42.89 104.46 189.78 388.81 583.52 722.01 860.10 949.74 992.07 996.72 1,060.13 1,068.75 1,128.94 1,174.15 1,180.33 1,630.38 1,633.17 1,634.81 6,171.56

BAND

0.23 0.47 1.00 1.38 3.22 3.16 2.24 2.24 1.45 0.69 0.08 1.03 0.14 0.98 0.73 0.10 7.29 0.05 0.03 73.51

CUM.

0.23 0.69 1.69 3.08 6.30 9.46 11.70 13.94 15.39 16.07 16.15 17.18 17.32 18.29 19.03 19.13 26.42 26.46 26.49 100.00

PERCENTAGE f

0 0 0 0 0 1 2 1 0 0 0 0 0 0 0 0 0 0 0 0 4

BAND

CUM.

PERCENTAGE rp

0 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 0 0.00 0.00 0.00 0.00 1 25.00 25.00 456.69 456.69 3 50.00 75.00 633.85 1,090.54 4 25.00 100.00 1,286.74 2,377.27 4 0.00 100.00 0.00 2,377.27 4 0.00 100.00 0.00 2,377.27 4 0.00 100.00 0.00 2,377.27 4 0.00 100.00 0.00 2,377.27 4 0.00 100.00 0.00 2,377.27 4 0.00 100.00 0.00 2,377.27 4 0.00 100.00 0.00 2,377.27 4 0.00 100.00 0.00 2,377.27 4 0.00 100.00 0.00 2,377.27 4 0.00 100.00 0.00 2,377.27 4 0.00 100.00 0.00 2,377.27 4 0.00 100.00 0.00 2,377.27 2,377.27

BAND

0.00 0.00 0.00 0.00 0.00 19.21 26.66 54.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE

CUM.

0.00 0.00 0.00 0.00 0.00 19.21 45.87 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

BAND

CUM

0.00 0.00 0.00 0.00 0.00 234.55 457.70 931.81 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 78.26 151.04 276.40 250.31 239.63 238.51 224.24 222.44 210.57 202.47 201.41 145.81 145.56 145.42 38.52 38.52

Page 136 of 138

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 26

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2003

15/03/2004

IRIAN JAYA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

25 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

354 254 330 203 225 78 65 50 14 13 18 18 12 7 5 11 9 1 0 0 1.667

354 608 938 1.141 1.366 1.444 1.509 1.559 1.573 1.586 1.604 1.622 1.634 1.641 1.646 1.657 1.666 1.667 1.667 1.667

BAND

CUM.

21.25 21.25 15.25 36.49 19.81 56.30 12.18 68.49 13.51 81.99 4.68 86.67 3.90 90.58 3.00 93.58 0.84 94.42 0.78 95.20 1.08 96.28 1.08 97.36 0.72 98.08 0.42 98.50 0.30 98.80 0.66 99.46 0.48 99.94 0.06 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

149.74 104.91 217.69 203.58 353.32 191.56 221.26 179.29 67.13 60.68 103.15 103.65 76.65 87.79 99.97 127.45 377.45 143.98 0.00 0.00 2,869.25

149.74 254.65 472.34 675.92 1,029.24 1,220.79 1,442.06 1,621.34 1,688.48 1,749.16 1,852.31 1,955.96 2,032.60 2,120.39 2,220.36 2,347.81 2,725.27 2,869.25 2,869.25 2,869.25

BAND

5.26 3.69 7.65 7.16 12.42 6.73 7.78 6.30 2.36 2.13 3.63 3.64 2.69 3.09 3.51 4.48 13.27 4.19 0.00 0.00

CUM.

5.26 8.95 16.61 23.76 36.18 42.92 50.70 57.00 59.36 61.49 65.12 68.76 71.46 74.54 78.06 82.54 95.81 100.00 100.00 100.00

PERCENTAGE f

1 0 1 2 3 0 0 0 1 0 0 0 1 0 1 0 2 0 0 0 12

BAND

CUM.

1 8.33 8.33 1 0.00 8.33 2 8.33 16.67 4 16.67 33.33 7 25.00 58.33 7 0.00 58.33 7 0.00 58.33 7 0.00 58.33 8 8.33 66.67 8 0.00 66.67 8 0.00 66.67 8 0.00 66.67 9 8.33 75.00 9 0.00 75.00 10 8.33 83.33 10 0.00 83.33 12 16.67 100.00 12 0.00 100.00 12 0.00 100.00 12 0.00 100.00

PERCENTAGE rp

37.95 0.00 0.00 225.00 463.99 0.00 0.00 0.00 83.79 0.00 0.00 0.00 10.00 0.00 37.83 0.00 9.63 0.00 0.00 0.00 868.18

37.95 37.95 37.95 262.95 726.94 726.94 726.94 726.94 810.73 810.73 810.73 810.73 820.73 820.73 858.55 858.55 868.18 868.18 868.18 868.18

BAND

4.37 0.00 0.00 25.92 53.44 0.00 0.00 0.00 9.65 0.00 0.00 0.00 1.15 0.00 4.36 0.00 1.11 0.00 0.00 0.00

CUM.

4.37 4.37 4.37 30.29 83.73 83.73 83.73 83.73 93.38 93.38 93.38 93.38 94.53 94.53 98.89 98.89 100.00 100.00 100.00 100.00

PERCENTAGE BAND

25.34 0.00 0.00 110.52 131.32 0.00 0.00 0.00 124.81 0.00 0.00 0.00 13.05 0.00 37.84 0.00 2.55 0.00 0.00 0.00

CUM

25.34 14.90 8.03 38.90 70.63 59.55 50.41 44.84 48.02 46.35 43.77 41.45 40.38 38.71 38.67 36.57 31.86 30.52 30.52 30.52 30.52

Page 137 of 138