Statistik bppdan edisi des 2004 by Reasuransi Internasional Indonesia

DAFTAR ISI Halaman

TABEL GABUNGAN GRAFIK BAGIAN .1. 1.1.

RISK AND LOSS PROFILE 2001 1.1.1.

ALL CLASS OF BUSINESS

1.2. 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

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635

6-19

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

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.

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

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635

20-45 NANGROE ACEH DARUSSALAM 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

Halaman

BAGIAN .2. 2.1.

RISK AND LOSS PROFILE 2002 2.1.1.

ALL CLASS OF BUSINESS

2.2. GROUP BY CLASS OF BUSINESS 2.2.1. 2.2.2. 2.2.3. 2.2.4.

47-50

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.

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635

51-64 20 21 22 23 24 25 26 27 28 29 30 31 32 40

Halaman

2.4.

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.

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635

65-90

NANGROE ACEH DARUSSALAM 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

Halaman

BAGIAN .3. 3.1.

RISK AND LOSS PROFILE 2003 3.1.1.

ALL CLASS OF BUSINESS

3.2. 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

92-95 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.

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635

96-109 20 21 22 23 24 25 26 27 28 29 30 31 32 40

Halaman

3.4. 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.

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635

110-135 NANGROE ACEH DARUSSALAM 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

Halaman

BAGIAN .4. 4.1. RISK AND LOSS PROFILE 2004 4.1.1.

136

ALL CLASS OF BUSINESS

4.2. GROUP BY CLASS OF BUSINESS 4.2.1. 4.2.2. 4.2.3. 4.2.4.

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

137-140 FIRE IAR LOP EQ

4.3. GROUP BY OCCUPATION CODE 4.3.1. 4.3.2. 4.3.3. 4.3.4. 4.3.5. 4.3.6. 4.3.7. 4.3.8. 4.3.9. 4.3.10. 4.3.11. 4.3.12. 4.3.13. 4.3.14.

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.40 Jakarta Pusat 1040 PO.Box 2645

141-154 20 21 22 23 24 25 26 27 28 29 30 31 32 40

Halaman

4.4.

GROUP BY PROVINCE 4.4.1. 4.4.2. 4.4.3. 4.4.4. 4.4.5. 4.4.6. 4.4.7. 4.4.8. 4.4.9. 4.4.10. 4.4.11. 4.4.12. 4.4.13. 4.4.14. 4.4.15. 4.4.16. 4.4.17. 4.4.18. 4.4.19. 4.4.20. 4.4.21. 4.4.22. 4.4.23. 4.4.24. 4.4.25. 4.4.26.

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635

155-180 NANGROE ACEH DARUSSALAM 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

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 2001 - 2004 THE GROWTH OF POLICY, PREMIUM, CLAIM & LOSS RATIO FROM 2001 TO 2004 Premium and Claim in Million Rp

UY 2001 OCCUPATION CODE

Number Policies

Number Claim

Premium

UY 2002 Claim Incurred

% LOSS RATIO

Number Policies

Number Claim

Premium

UY 2003 Claim Incurred

% LOSS RATIO

Number Policies

Number Claim

Premium

UY 2004 Claim Incurred

% LOSS RATIO

Number Policies

Number Claim

Premium

Claim Incurred

% LOSS RATIO

20 - (Mining,Drilling…etc)

277

39,339.87

585.63

1.49

246

5,189.12

2,174.11

41.90

310

17,611.71

1,682.64

9.55

285

3,418.00

325.67

9.53

21 - (Stones, Earth…etc)

934

20,795.80

4,900.60

23.57

893

16,925.62

14,288.08

84.42

995

18,218.18

186.82

1.03

692

10,461.71

2,029.72

19.40

22 - (Metals)

4,269

132

70,193.76

52,574.27

74.90

3,946

102

68,656.46

38,909.03

56.67

4,570

68,905.67

36,562.23

53.06

3,432

32,459.82

434.60

1.34

23 - (Chemical/Oils/Gas)

4,479

142

107,735.57

133,130.22

123.57

4,394

152

84,015.77

37,658.89

44.82

5,216

143

99,299.27

74,141.59

74.66

4,005

63,645.85

11,617.28

18.25

24 - (Textiles)

9,463

227

97,636.68

45,709.50

46.82

8,384

177

73,610.28

44,053.24

59.85

9,463

192

84,491.00

42,353.93

50.13

7,621

44,391.10

7,650.03

17.23

25 - (Paper,Leather,Rubber)

5,321

126

64,576.00

40,935.69

63.39

5,139

135

74,791.48

46,404.67

62.05

5,940

85,251.70

29,619.62

34.74

4,811

50,584.25

27,427.24

54.22

26 - (Wood,Bamboo,Rattan)

4,490

155

93,667.43

73,817.12

78.81

4,138

64,798.58

42,774.93

66.01

4,728

125

105,140.97

97,167.26

92.42

4,024

77,313.82

15,842.49

20.49

27 - (Nutritional,Drinks…etc)

8,019

139

65,562.68

38,836.79

59.24

7,540

120

51,040.55

9,771.97

19.15

9,071

139

66,752.99

16,316.38

24.44

8,264

41,090.39

15,026.40

36.57

115

1,306.22

24.58

1.88

141

2,594.38

136.69

5.27

160

5,134.28

36.55

0.71

105

1,869.64

1,100.00

58.83

431,434

1,604

497,465.77

128,408.14

25.81

393,276

1,409

526,040.08

190,769.24

36.27

470,695

1,630

942,537.14

291,127.93

30.89

461,367

446

602,447.80

139,596.45

23.17

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

253

4,441.20

602.31

13.56

154

1,165.11

2,075.24

178.11

284

3,236.57

741.41

22.91

155

3,695.83

235.04

6.36

31 - (Estate Plantation Risk)

1,119

245

20,529.20

7,807.27

38.03

291

5,036.26

1,538.71

30.55

857

180

27,215.29

5,663.92

20.81

320

13,258.67

1,936.90

14.61

204

5,031.48

548.58

10.90

874.01

109.13

12.49

278

5,871.35

560.50

9.55

5,816.39

254.81

4.38

290.47

0.54

0.19

112

2,005.20

256.54

12.79

2,364.31

219.88

9.30

437.91

98.80

22.56

1,088,572.13

527,881.24

48.49

428,752

2,274

976,742.90

430,920.47

44.12

512,631

2,639

1,532,030.43

596,380.66

38.93

495,199

733

950,891.18

223,575.43

23.51

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

470,457

2,838

Catatan/Note : 1. Posisi Data sampai dengan penerimaan 15 Desember 2004 (Data Position Until 15 December 2004) 2. Claim Incurred 2001 : Rp. 507.976.081.234,23,- (Settled = 2,638 Kasus) , Rp. 19.905.158.765,77,- (Os Claim = 200 Kasus) 2002 : Rp. 362.905.695.036,72,- (Settled = 1,969 Kasus) , Rp. 68.014.774.963,28,- (Os Claim = 305 Kasus) 2003 : Rp. 349.595.441.403,42,- (Settled = 1.832 Kasus) , Rp. 246.785.218.596,58,- (Os Claim = 807 Kasus) 2004 : Rp. 70.069.255.966,99,- (Settled = 333 Kasus) , Rp. 153.506.174.033,01,- (Os Claim = 400 Kasus) 3. Data di atas tidak termasuk / tdk ada polis Klaim (not include claim-no policy) : 2001 : Rp. 127.752.900.054,27,- (Freq Claim = 593) dan Klaim Flood Rp. 223.651.886.670,69,- (Freq Claim = 253) 2002 : Rp. 147.668.579.938,43,- (Freq Claim = 1.170) dan Klaim Flood Rp. 319.816.518,00,- (Freq Claim = 11) 2003 : Rp. 188.551.493.389,77,- (Freq Claim = 532) 2004 : Rp. 28.866.032.468,40,- (Freq Claim = 123)

PERTUMBUHAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2001 - 2004 THE GROWTH OF POLICY, PREMIUM, CLAIM & LOSS RATIO FROM 2001 TO 2004 Premium and Claim in Million Rp

UY 2001 PROVINCE CODE

01 - ( Nangroe Aceh Darussalam ) 02 - ( Sumatera Utara ) 03 - ( Sumatera Barat ) 04 - ( Riau ) 05 - ( Jambi ) 06 - ( Sumatera Selatan )

Number Policies

Number Claim

Premium

UY 2002 Claim Incurred

% LOSS RATIO

Number Policies

Number Claim

Premium

UY 2003 Claim Incurred

% LOSS RATIO

Number Policies

Number Claim

Premium

UY 2004 Claim Incurred

% LOSS RATIO

Number Policies

Number Claim

Premium

Claim Incurred

% LOSS RATIO

3,088

5,989.98

2,176.74

36.34

4,150

37,733.72

1,257.08

3.33

2,464

5,896.19

3,212.31

54.48

2,083

5,671.49

0.00

26,482

123

53,303.88

13,317.37

24.98

25,711

107

44,719.08

10,830.06

24.22

33,130

112

80,336.17

66,782.80

83.13

34,073

57,000.76

9,101.02

15.97

7,588

6,734.45

2,045.19

30.37

7,676

6,179.53

1,972.82

31.93

12,426

10,385.08

4,330.60

41.70

12,622

11,875.12

2,175.08

18.32

16,033

37,088.14

13,887.73

37.45

15,100

32,971.81

7,978.84

24.20

18,701

39,148.47

50,899.59

130.02

19,000

35,554.84

1,591.31

4.48

3,300

5,673.70

2,093.07

36.89

3,498

6,940.55

4,891.11

70.47

4,871

11,241.93

7,120.36

63.34

5,716

8,005.59

247.07

3.09

11,131

19,947.00

2,842.96

14.25

10,731

18,882.61

11,430.69

60.54

12,830

23,294.62

15,073.26

64.71

13,809

17,270.78

2,256.96

13.07

07 - ( Bengkulu )

2,092

1,903.63

399.28

20.97

2,301

1,478.47

1,697.44

114.81

2,346

2,242.23

1,239.08

55.26

2,023

1,779.36

63.42

3.56

08 - ( Lampung )

5,281

13,714.44

1,800.16

13.13

5,767

11,609.40

2,457.30

21.17

7,651

14,849.92

4,699.65

31.65

8,629

13,018.57

3,818.12

29.33

09 - ( DKI . Jakarta )

142,932

706

298,840.01

102,128.97

34.18

127,416

744

257,237.33

125,238.77

48.69

148,239

829

540,263.12

176,861.79

32.74

124,958

200

225,755.07

49,924.80

21.67

10 - ( Jawa Barat )

101,078

797

306,341.31

242,307.50

79.10

86,449

510

264,071.48

106,900.61

40.48

105,780

520

421,959.24

128,316.79

30.41

102,455

187

222,587.61

75,648.07

33.99

28,060

214

55,786.56

52,657.06

94.39

23,058

129

49,979.21

8,936.18

17.88

30,319

223

67,485.23

26,609.18

39.43

33,661

60,391.35

4,640.16

7.68

3,067

5,194.32

418.11

8.05

3,081

4,681.43

608.80

13.00

4,574

7,801.42

495.16

6.35

5,294

5,687.98

1,429.46

25.13

13 - ( Jawa Timur )

45,885

393

152,628.63

48,276.79

31.63

41,887

208

111,872.10

63,388.56

56.66

53,132

366

161,268.03

45,021.13

27.92

52,602

126,018.54

45,896.56

36.42

14 - ( Kalimantan Barat )

20,200

164

20,724.58

11,029.21

53.22

19,614

112

23,183.74

18,769.18

80.96

18,341

106

21,064.78

12,362.61

58.69

18,753

20,741.29

7,209.94

34.76

15 - ( Kalimantan Tengah )

2,470

5,264.06

2,166.48

41.16

2,790

4,844.57

5,182.69

106.98

2,717

6,255.37

2,283.30

36.50

2,276

1,503.15

1,136.77

75.63

16 - ( Kalimantan Selatan )

6,720

12,602.75

3,222.25

25.57

6,965

17,999.93

8,350.71

46.39

7,130

13,422.44

11,810.28

87.99

5,945

9,390.36

5,972.34

63.60

11 - ( Jawa Tengah ) 12 - ( DI . Yogyakarta )

10,946

26,183.43

7,798.27

29.78

9,714

26,083.39

13,033.95

49.97

10,643

36,472.93

24,586.20

67.41

11,251

23,750.58

4,020.62

16.93

18 - ( Sulawesi Utara )

6,676

9,688.63

2,913.09

30.07

6,312

7,179.85

5,551.07

77.31

6,571

9,269.86

3,986.13

43.00

7,535

10,978.31

2,321.47

21.15

19 - ( Sulawesi Tengah )

2,999

3,539.69

604.58

17.08

3,770

4,160.89

1,425.72

34.26

4,002

5,585.80

595.61

10.65

3,143

5,745.46

161.57

2.81

20 - ( Sulawesi Selatan )

9,750

14,902.64

3,557.65

23.87

7,830

12,706.84

14,381.15

113.18

9,868

15,637.77

2,214.64

14.16

10,941

13,926.09

65.60

0.47

21 - ( Sulawesi Tenggara )

1,194

1,021.54

510.17

49.94

1,305

1,044.66

48.78

4.67

908

1,742.61

389.97

22.38

1,193

1,361.75

0.00

22 - ( Bali )

8,052

17,102.73

8,696.87

50.85

7,731

16,855.19

12,887.61

76.46

9,610

21,714.32

4,176.80

19.24

10,225

61,596.85

2,171.20

3.52

23 - ( Nusa Tenggara Barat )

1,589

2,743.20

1,993.89

72.68

1,680

2,416.84

360.58

14.92

2,311

3,176.62

622.14

19.59

2,955

2,659.85

68.70

2.58

24 - ( Nusa Tenggara Timur )

1,532

2,184.40

156.64

7.17

1,757

2,823.72

59.50

2.11

1,880

3,364.34

697.40

20.73

1,765

2,508.47

505.19

20.14

17 - ( Kalimantan Timur )

25 - ( Maluku ) 26 - ( Irian Jaya )

695

4,689.02

173.34

3.70

787

6,173.98

2,377.27

38.50

880

2,630.64

209.21

7.95

612

1,729.40

0.00

1,617

4,779.41

707.87

14.81

1,672

2,912.52

903.99

31.04

1,307

5,521.30

1,784.67

32.32

1,680

4,382.56

3,150.00

71.88

2,838

1,088,572.13

527,881.24

48.49

428,752

2,274

976,742.84

430,920.46

44.12

512,631

2,639

1,532,030.43

38.93

495,199

733

950,891.18

223,575.43

23.51

470,457

596,380.66

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 PREMIUM FROM 2001 - 2004

1,000,000 900,000 800,000

PREMIUM (in Million Rupiahs)

700,000 600,000

UY 2001 UY 2002

500,000

UY 2003 UY 2004

400,000 300,000 200,000 100,000 0 20 21 22 23 24 25 26 27 28 29 30 31 32 40 OCCUPATION CODE

grafik_statistik_premi.xls

THE GROWTH OF CLAIM FROM 2001 - 2004

300,000

CLAIM INCURRED (In Million Rupiahs)

250,000

200,000

UY 2001 UY 2002 UY 2003 UY 2004

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 NUMBER CLAIM FROM 2001 - 2004 2,000 1,900 1,800 1,700 1,600 1,500 1,400 1,300

NUMBER CLAIM

1,200 1,100

UY 2001 UY 2002 UY 2003 UY 2004

1,000 900 800 700 600 500 400 300 200 100 0

OCCUPATION CODE

97 98 99

THE GROWTH OF LOSS RATIO FROM 2001 - 2004 450 425 400 375 350 325 300

% RATIO

275 250

UY UY UY UY

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

2001 2002 2003 2004

THE GROWTH OF NUMBER POLICIES FROM 2001 - 2004

500,000 450,000 400,000 350,000 UY 2001 UY 2002

NUMBER POLICIES

300,000

UY 2003 UY 2004

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

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 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: All Code

SUM INSURED BAND

TO PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

DATE

CLAIM SEVERITY ( In Million Rp)

01/01/2001

15/12/2004

15/02/2005

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

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

PERCENTAGE f

25 109.027 109.027 75 92.233 201.260 150 97.153 298.413 250 48.543 346.956 400 46.507 393.463 625 21.356 414.819 875 15.499 430.318 1,250 10.922 441.240 1,750 6.295 447.535 2,250 3.426 450.961 2,750 2.664 453.625 3,500 3.244 456.869 4,500 2.166 459.035 6,250 2.708 461.743 8,750 1.857 463.600 15,000 2.783 466.383 35,000 2.065 468.448 75,000 912 469.360 300,000 858 470.218 239 470.457

BAND

CUM.

23.17 23.17 19.60 42.78 20.65 63.43 10.32 73.75 9.89 83.63 4.54 88.17 3.29 91.47 2.32 93.79 1.34 95.13 0.73 95.86 0.57 96.42 0.69 97.11 0.46 97.57 0.58 98.15 0.39 98.54 0.59 99.13 0.44 99.57 0.19 99.77 0.18 99.95 0.05 100.00

PERCENTAGE rp

36,579.90 36,579.90 23,491.82 60,071.72 41,782.17 101,853.89 36,805.97 138,659.86 55,642.92 194,302.78 38,068.96 232,371.74 40,735.04 273,106.78 41,188.70 314,295.48 30,902.54 345,198.02 21,700.77 366,898.79 19,991.31 386,890.10 28,815.07 415,705.17 24,614.23 440,319.40 38,233.19 478,552.60 35,476.99 514,029.59 82,029.84 596,059.43 114,616.88 710,676.30 82,693.80 793,370.11 159,851.97 953,222.08 135,350.05 1,088,572.13

BAND

3.36 2.16 3.84 3.38 5.11 3.50 3.74 3.78 2.84 1.99 1.84 2.65 2.26 3.51 3.26 7.54 10.53 7.60 14.68 12.43

CUM.

3.36 5.52 9.36 12.74 17.85 21.35 25.09 28.87 31.71 33.70 35.54 38.19 40.45 43.96 47.22 54.76 65.29 72.88 87.57 100.00

PERCENTAGE f

324 189 189 142 210 100 92 120 61 58 43 59 77 95 92 180 198 126 218 265

324 513 702 844 1.054 1.154 1.246 1.366 1.427 1.485 1.528 1.587 1.664 1.759 1.851 2.031 2.229 2.355 2.573 2.838

BAND

CUM.

11.42 11.42 6.66 18.08 6.66 24.74 5.00 29.74 7.40 37.14 3.52 40.66 3.24 43.90 4.23 48.13 2.15 50.28 2.04 52.33 1.52 53.84 2.08 55.92 2.71 58.63 3.35 61.98 3.24 65.22 6.34 71.56 6.98 78.54 4.44 82.98 7.68 90.66 9.34 100.00

TOTAL 470.457 1,088,572.13 2.838 Catatan / Note : Data belum termasuk Klaim Fire yang tidak ada Polisnya Rp. 127.752.900.054,27 - Freq. Klaim 593 dan Klaim Flood Rp. 223.651.886.670,69,- freq. Klaim 253

PERCENTAGE rp

45,475.54 8,092.98 10,596.53 10,029.43 15,508.88 13,901.81 11,080.73 18,055.63 8,141.88 18,322.92 5,902.17 13,469.90 12,657.76 17,565.21 23,046.29 55,225.65 162,255.08 28,417.78 27,604.20 22,530.86 527,881.24

45,475.54 53,568.52 64,165.05 74,194.48 89,703.36 103,605.17 114,685.90 132,741.54 140,883.42 159,206.34 165,108.51 178,578.41 191,236.16 208,801.37 231,847.67 287,073.32 449,328.40 477,746.17 505,350.38 527,881.24

BAND

CUM.

PERCENTAGE BAND

CUM

8.61 8.61 124.32 124.32 1.53 10.15 34.45 89.17 2.01 12.16 25.36 63.00 1.90 14.06 27.25 53.51 2.94 16.99 27.87 46.17 2.63 19.63 36.52 44.59 2.10 21.73 27.20 41.99 3.42 25.15 43.84 42.23 1.54 26.69 26.35 40.81 3.47 30.16 84.43 43.39 1.12 31.28 29.52 42.68 2.55 33.83 46.75 42.96 2.40 36.23 51.42 43.43 3.33 39.55 45.94 43.63 4.37 43.92 64.96 45.10 10.46 54.38 67.32 48.16 30.74 85.12 141.56 63.23 5.38 90.50 34.37 60.22 5.23 95.73 17.27 53.01 4.27 100.00 16.65 48.49 48.49

( Data not Include Claim Fire no Policy Rp. 127.752.900.054,27 - Freq Claim 593 and Claim Flood Rp. 223.651.886.670,69,- Freq. Claim 253 )

Page 1 of 180

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

15/12/2004

DATE

15/02/2005

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 TOTAL

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

BAND

CUM.

105.858 90.729 94.484 46.439 43.905 19.601 14.099 9.512 5.303 2.742 2.147 2.502 1.616 1.861 1.187 1.571 934 315 247 55

105.858 196.587 291.071 337.510 381.415 401.016 415.115 424.627 429.930 432.672 434.819 437.321 438.937 440.798 441.985 443.556 444.490 444.805 445.052 445.107

23.78 20.38 21.23 10.43 9.86 4.40 3.17 2.14 1.19 0.62 0.48 0.56 0.36 0.42 0.27 0.35 0.21 0.07 0.06 0.01

23.78 44.17 65.39 75.83 85.69 90.09 93.26 95.40 96.59 97.21 97.69 98.25 98.61 99.03 99.30 99.65 99.86 99.93 99.99 100.00

24,802.82 21,990.67 40,475.00 35,478.65 52,810.66 35,705.22 37,385.94 36,915.53 27,582.17 18,852.64 17,217.78 23,807.65 19,520.44 28,124.46 24,648.02 52,992.61 58,851.13 31,672.52 46,080.10 59,464.63

24,802.82 46,793.49 87,268.49 122,747.14 175,557.80 211,263.02 248,648.96 285,564.49 313,146.66 331,999.30 349,217.08 373,024.74 392,545.18 420,669.65 445,317.66 498,310.28 557,161.41 588,833.93 634,914.03 694,378.67

445.107

694,378.67

BAND

3.57 3.17 5.83 5.11 7.61 5.14 5.38 5.32 3.97 2.72 2.48 3.43 2.81 4.05 3.55 7.63 8.48 4.56 6.64 8.56

CUM.

3.57 6.74 12.57 17.68 25.28 30.42 35.81 41.13 45.10 47.81 50.29 53.72 56.53 60.58 64.13 71.76 80.24 84.80 91.44 100.00

PERCENTAGE f

287 178 165 120 184 84 61 95 43 48 30 34 48 59 42 78 58 45 34 7 1.700

287 465 630 750 934 1.018 1.079 1.174 1.217 1.265 1.295 1.329 1.377 1.436 1.478 1.556 1.614 1.659 1.693 1.700

PERCENTAGE

BAND

CUM.

16.88 10.47 9.71 7.06 10.82 4.94 3.59 5.59 2.53 2.82 1.76 2.00 2.82 3.47 2.47 4.59 3.41 2.65 2.00 0.41

16.88 27.35 37.06 44.12 54.94 59.88 63.47 69.06 71.59 74.41 76.18 78.18 81.00 84.47 86.94 91.53 94.94 97.59 99.59 100.00

15,410.40 8,012.98 10,414.03 9,568.37 15,132.36 13,015.48 8,698.50 14,703.93 7,783.18 18,249.12 5,560.81 8,516.46 5,809.59 14,792.96 18,782.41 41,462.06 129,380.11 11,358.51 4,342.29 2,197.04

15,410.40 23,423.39 33,837.42 43,405.80 58,538.16 71,553.63 80,252.13 94,956.07 102,739.24 120,988.37 126,549.18 135,065.65 140,875.24 155,668.20 174,450.61 215,912.67 345,292.77 356,651.28 360,993.57 363,190.60

363,190.60

BAND

4.24 2.21 2.87 2.63 4.17 3.58 2.40 4.05 2.14 5.02 1.53 2.34 1.60 4.07 5.17 11.42 35.62 3.13 1.20 0.60

PERCENTAGE

CUM.

BAND

4.24 6.45 9.32 11.95 16.12 19.70 22.10 26.14 28.29 33.31 34.84 37.19 38.79 42.86 48.03 59.45 95.07 98.20 99.40 100.00

62.13 36.44 25.73 26.97 28.65 36.45 23.27 39.83 28.22 96.80 32.30 35.77 29.76 52.60 76.20 78.24 219.84 35.86 9.42 3.69

CUM

62.13 50.06 38.77 35.36 33.34 33.87 32.28 33.25 32.81 36.44 36.24 36.21 35.89 37.00 39.17 43.33 61.97 60.57 56.86 52.30 52.30

Page 2 of 180

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

:I.A.R

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

01/01/2001 15/12/2004

15/02/2005

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)

DATE

: :

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

2.583 1 1.909 1.460 1.903 1.273 1 1 743 497 390 589 431 666 507 972 928 473 509 178 19.159

2.583 3.661 5.570 7.030 8.933 10.206 11.237 12.276 13.019 13.516 13.906 14.495 14.926 15.592 16.099 17.071 17.999 18.472 18.981 19.159

BAND

CUM.

13.48 13.48 5.63 19.11 9.96 29.07 7.62 36.69 9.93 46.63 6.64 53.27 5.38 58.65 5.42 64.07 3.88 67.95 2.59 70.55 2.04 72.58 3.07 75.66 2.25 77.91 3.48 81.38 2.65 84.03 5.07 89.10 4.84 93.95 2.47 96.41 2.66 99.07 0.93 100.00

PERCENTAGE rp

11,448.09 1,463.21 1,194.35 1,173.29 2,609.40 2,101.87 3,050.00 3,377.76 2,932.69 2,449.42 2,548.00 4,692.89 4,706.76 9,403.71 9,789.52 26,791.88 51,465.40 46,945.41 109,449.81 73,201.00 370,794.45

11,448.09 12,911.29 14,105.65 15,278.94 17,888.34 19,990.20 23,040.20 26,417.96 29,350.65 31,800.07 34,348.07 39,040.96 43,747.73 53,151.43 62,940.96 89,732.83 141,198.23 188,143.64 297,593.45 370,794.45

BAND

CUM.

3.09 3.09 0.39 3.48 0.32 3.80 0.32 4.12 0.70 4.82 0.57 5.39 0.82 6.21 0.91 7.12 0.79 7.92 0.66 8.58 0.69 9.26 1.27 10.53 1.27 11.80 2.54 14.33 2.64 16.97 7.23 24.20 13.88 38.08 12.66 50.74 29.52 80.26 19.74 100.00

PERCENTAGE f

37 11 24 22 26 16 31 24 18 10 13 25 29 36 49 97 140 81 184 258 1.131

PERCENTAGE

BAND

CUM.

37 48 72 94 120 136 167 191 209 219 232 257 286 322 371 468 608 689 873 1.131

3.27 0.97 2.12 1.95 2.30 1.41 2.74 2.12 1.59 0.88 1.15 2.21 2.56 3.18 4.33 8.58 12.38 7.16 16.27 22.81

3.27 4.24 6.37 8.31 10.61 12.02 14.77 16.89 18.48 19.36 20.51 22.72 25.29 28.47 32.80 41.38 53.76 60.92 77.19 100.00

30,065.14 79.99 182.49 461.06 376.52 886.34 2,382.23 3,302.42 358.70 73.80 341.35 4,953.43 6,848.16 2,772.25 4,258.17 13,509.07 32,874.97 17,059.27 23,261.92 20,333.83 164,381.12

30,065.14 30,145.13 30,327.62 30,788.68 31,165.20 32,051.54 34,433.77 37,736.19 38,094.90 38,168.69 38,510.05 43,463.48 50,311.64 53,083.89 57,342.06 70,851.13 103,726.10 120,785.37 144,047.29 164,381.12

BAND

CUM.

18.29 18.29 0.05 18.34 0.11 18.45 0.28 18.73 0.23 18.96 0.54 19.50 1.45 20.95 2.01 22.96 0.22 23.17 0.04 23.22 0.21 23.43 3.01 26.44 4.17 30.61 1.69 32.29 2.59 34.88 8.22 43.10 20.00 63.10 10.38 73.48 14.15 87.63 12.37 100.00

PERCENTAGE BAND

CUM

262.62 262.62 5.47 233.48 15.28 215.00 39.30 201.51 14.43 174.22 42.17 160.34 78.11 149.45 97.77 142.84 12.23 129.79 3.01 120.03 13.40 112.12 105.55 111.33 145.50 115.00 29.48 99.87 43.50 91.10 50.42 78.96 63.88 73.46 36.34 64.20 21.25 48.40 27.78 44.33 44.33

Page 3 of 180

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

:L.O.P

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

15/12/2004

DATE

15/02/2005

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

13 7 7 4 7 22 15 37 26 17 8 9 11 13 27 39 46 45 28 381

BAND

CUM.

13 20 27 31 38 60 75 112 138 155 163 172 183 196 223 262 308 353 381 381

3.41 3.41 1.84 5.25 1.84 7.09 1.05 8.14 1.84 9.97 5.77 15.75 3.94 19.69 9.71 29.40 6.82 36.22 4.46 40.68 2.10 42.78 2.36 45.14 2.89 48.03 3.41 51.44 7.09 58.53 10.24 68.77 12.07 80.84 11.81 92.65 7.35 100.00 0.00 100.00

PERCENTAGE rp

194.71 2.35 6.38 2.29 9.34 39.04 28.69 545.62 99.75 114.35 28.04 55.95 108.16 158.09 317.10 871.32 2,207.35 2,345.95 1,943.11 0.00

194.71 197.06 203.43 205.72 215.06 254.09 282.79 828.41 928.15 1,042.50 1,070.55 1,126.50 1,234.66 1,392.75 1,709.85 2,581.17 4,788.52 7,134.47 9,077.57 9,077.57

9,077.57

BAND

2.14 0.03 0.07 0.03 0.10 0.43 0.32 6.01 1.10 1.26 0.31 0.62 1.19 1.74 3.49 9.60 24.32 25.84 21.41 0.00

CUM.

2.14 2.17 2.24 2.27 2.37 2.80 3.12 9.13 10.22 11.48 11.79 12.41 13.60 15.34 18.84 28.43 52.75 78.59 100.00 100.00

PERCENTAGE f

1 1 5 7

1 1 1 1 1 1 1 2 7 7 7 7 7

PERCENTAGE

BAND

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.29 0.00 0.00 0.00 0.00 0.00 0.00 14.29 71.43 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.29 14.29 14.29 14.29 14.29 14.29 14.29 28.57 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 49.28 0.00 0.00 0.00 0.00 0.00 0.00 5.72 254.53 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 49.28 49.28 49.28 49.28 49.28 49.28 49.28 55.00 309.52 309.52 309.52 309.52 309.52

309.52

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.92 0.00 0.00 0.00 0.00 0.00 0.00 1.85 82.23 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.92 15.92 15.92 15.92 15.92 15.92 15.92 17.77 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.03 0.00 0.00 0.00 0.00 0.00 0.00 1.80 29.21 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.95 5.31 4.73 4.60 4.37 3.99 3.54 3.22 11.99 6.46 4.34 3.41 3.41 3.41

Page 4 of 180

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: Earthquake

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

15/12/2004

DATE

15/02/2005

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

573 419 753 640 692 460 354 334 223 170 119 144 108 168 136 201 157 79 74 6 5.810

573 992 1.745 2.385 3.077 3.537 3.891 4.225 4.448 4.618 4.737 4.881 4.989 5.157 5.293 5.494 5.651 5.730 5.804 5.810

BAND

CUM.

9.86 9.86 7.21 17.07 12.96 30.03 11.02 41.05 11.91 52.96 7.92 60.88 6.09 66.97 5.75 72.72 3.84 76.56 2.93 79.48 2.05 81.53 2.48 84.01 1.86 85.87 2.89 88.76 2.34 91.10 3.46 94.56 2.70 97.26 1.36 98.62 1.27 99.90 0.10 100.00

PERCENTAGE rp

134.29 134.29 35.60 169.88 106.44 276.33 151.73 428.06 213.52 641.58 222.84 864.42 270.41 1,134.83 349.79 1,484.62 287.94 1,772.56 284.36 2,056.92 197.48 2,254.40 258.57 2,512.98 278.86 2,791.84 546.93 3,338.77 722.35 4,061.12 1,374.03 5,435.15 2,093.00 7,528.15 1,729.92 9,258.07 2,378.95 11,637.02 2,684.42 14,321.44 14,321.44

BAND

0.94 0.25 0.74 1.06 1.49 1.56 1.89 2.44 2.01 1.99 1.38 1.81 1.95 3.82 5.04 9.59 14.61 12.08 16.61 18.74

CUM.

0.94 1.19 1.93 2.99 4.48 6.04 7.92 10.37 12.38 14.36 15.74 17.55 19.49 23.31 28.36 37.95 52.57 64.64 81.26 100.00

PERCENTAGE f

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 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

.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 -

Page 5 of 180

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

15/12/2004

DATE :

15/02/2005

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 27 16 26 9 16 11 9 10 11 8 13 8 6 16 11 9 11 7 277

39 53 80 96 122 131 147 158 167 177 188 196 209 217 223 239 250 259 270 277

BAND

CUM.

PERCENTAGE rp

14.08 14.08 59.16 59.16 5.05 19.13 3.79 55.37 9.75 28.88 10.39 44.99 5.78 34.66 7.04 37.94 9.39 44.04 40.06 2.12 3.25 47.29 11.44 13.56 5.78 53.07 38.03 51.59 3.97 57.04 23.92 75.51 3.25 60.29 39.05 114.55 3.61 63.90 60.43 174.98 3.97 67.87 47.56 222.54 2.89 70.76 47.11 269.65 4.69 75.45 106.44 376.09 2.89 78.34 79.41 455.50 2.17 80.51 195.91 651.41 5.78 86.28 496.58 1,147.99 3.97 90.25 1,003.80 2,151.79 3.25 93.50 611.40 2,763.19 3.97 97.47 1,473.85 4,237.04 2.53 100.00 35,102.83 39,339.87 39,339.87

BAND

0.15 0.01 0.03 0.02 0.10 0.03 0.10 0.06 0.10 0.15 0.12 0.12 0.27 0.20 0.50 1.26 2.55 1.55 3.75 89.23

CUM.

0.15 0.14 0.11 0.10 0.01 0.03 0.13 0.19 0.29 0.44 0.57 0.69 0.96 1.16 1.66 2.92 5.47 7.02 10.77 100.00

PERCENTAGE f

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

BAND

0 0 0 0 0 0 1 1 1 1 1 1 2 4 4 6 6 7 7 8

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 12.50 12.50 19.78 19.78 0.00 12.50 0.00 19.78 0.00 12.50 0.00 19.78 0.00 12.50 0.00 19.78 0.00 12.50 0.00 19.78 0.00 12.50 0.00 19.78 12.50 25.00 29.34 49.12 25.00 50.00 98.22 147.33 0.00 50.00 0.00 147.33 25.00 75.00 37.02 184.35 0.00 75.00 0.00 184.35 12.50 87.50 397.76 582.11 0.00 87.50 0.00 582.11 12.50 100.00 3.52 585.63 585.63

BAND

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 3.38 3.38 0.00 3.38 0.00 3.38 0.00 3.38 0.00 3.38 0.00 3.38 5.01 8.39 16.77 25.16 0.00 25.16 6.32 31.48 0.00 31.48 67.92 99.40 0.00 99.40 0.60 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 52.01 0.00 0.00 0.00 0.00 0.00 27.56 123.68 0.00 7.45 0.00 65.06 0.00 0.01

CUM

0.00 0.00 0.00 0.00 0.00 0.00 38.34 26.20 17.27 11.30 8.89 7.34 13.06 32.34 22.62 16.06 8.57 21.07 13.74 1.49 1.49

Page 6 of 180

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 21

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2004

15/02/2005

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

133 61 76 45 61 45 42 38 42 23 26 23 29 44 27 51 77 33 50 8 934

133 194 270 315 376 421 463 501 543 566 592 615 644 688 715 766 843 876 926 934

BAND

CUM.

14.24 14.24 6.53 20.77 8.14 28.91 4.82 33.73 6.53 40.26 4.82 45.07 4.50 49.57 4.07 53.64 4.50 58.14 2.46 60.60 2.78 63.38 2.46 65.85 3.10 68.95 4.71 73.66 2.89 76.55 5.46 82.01 8.24 90.26 3.53 93.79 5.35 99.14 0.86 100.00

PERCENTAGE rp

288.21 9.26 46.28 39.53 116.01 62.79 55.40 88.81 103.03 87.61 95.64 96.01 164.03 339.27 259.08 881.22 2,973.22 2,099.77 9,690.13 3,300.48

288.21 297.46 343.75 383.28 499.29 562.08 617.48 706.30 809.33 896.94 992.58 1,088.59 1,252.62 1,591.90 1,850.97 2,732.20 5,705.42 7,805.19 17,495.32 20,795.80

20,795.80

BAND

1.39 0.04 0.22 0.19 0.56 0.30 0.27 0.43 0.50 0.42 0.46 0.46 0.79 1.63 1.25 4.24 14.30 10.10 46.60 15.87

CUM.

1.39 1.43 1.65 1.84 2.40 2.70 2.97 3.40 3.89 4.31 4.77 5.23 6.02 7.65 8.90 13.14 27.44 37.53 84.13 100.00

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

CUM.

PERCENTAGE rp

0.00 0.00 0.00 0.00 4.00 4.00 7.34 7.34 0.00 4.00 0.00 7.34 0.00 4.00 0.00 7.34 0.00 4.00 0.00 7.34 8.00 12.00 115.54 122.88 0.00 12.00 0.00 122.88 0.00 12.00 0.00 122.88 0.00 12.00 0.00 122.88 0.00 12.00 0.00 122.88 4.00 16.00 0.00 122.88 0.00 16.00 0.00 122.88 0.00 16.00 0.00 122.88 4.00 20.00 17.73 140.60 0.00 20.00 0.00 140.60 8.00 28.00 221.45 362.05 4.00 32.00 0.76 362.81 16.00 48.00 591.72 954.53 44.00 92.00 2,658.01 3,612.54 8.00 100.00 1,288.06 4,900.60 4,900.60

BAND

0.00 0.15 0.00 0.00 0.00 2.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.36 0.00 4.52 0.02 12.07 54.24 26.28

PERCENTAGE

CUM.

BAND

0.00 0.15 0.15 0.15 0.15 2.51 2.51 2.51 2.51 2.51 2.51 2.51 2.51 2.87 2.87 7.39 7.40 19.48 73.72 100.00

0.00 79.27 0.00 0.00 0.00 184.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.22 0.00 25.13 0.03 28.18 27.43 39.03

CUM

0.00 2.47 2.14 1.92 1.47 21.86 19.90 17.40 15.18 13.70 12.38 11.29 9.81 8.83 7.60 13.25 6.36 12.23 20.65 23.57 23.57

Page 7 of 180

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

15/12/2004

DATE

15/02/2005

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

290 295 384 207 328 283 264 242 192 123 115 186 163 172 137 302 273 129 154 30 4.269

290 585 969 1.176 1.504 1.787 2.051 2.293 2.485 2.608 2.723 2.909 3.072 3.244 3.381 3.683 3.956 4.085 4.239 4.269

BAND

CUM.

PERCENTAGE rp

6.79 6.79 417.33 417.33 6.91 13.70 70.66 487.99 9.00 22.70 152.48 640.48 4.85 27.55 120.65 761.12 7.68 35.23 316.50 1,077.62 6.63 41.86 345.25 1,422.87 6.18 48.04 396.32 1,819.20 5.67 53.71 627.17 2,446.37 4.50 58.21 483.67 2,930.03 2.88 61.09 385.66 3,315.69 2.69 63.79 506.60 3,822.29 4.36 68.14 905.76 4,728.04 3.82 71.96 1,200.76 5,928.80 4.03 75.99 1,568.20 7,497.00 3.21 79.20 1,639.86 9,136.87 7.07 86.27 5,929.79 15,066.66 6.39 92.67 10,209.38 25,276.04 3.02 95.69 10,066.43 35,342.48 3.61 99.30 25,526.49 60,868.97 0.70 100.00 9,324.79 70,193.76 70,193.76

BAND

0.59 0.10 0.22 0.17 0.45 0.49 0.56 0.89 0.69 0.55 0.72 1.29 1.71 2.23 2.34 8.45 14.54 14.34 36.37 13.28

CUM.

0.59 0.70 0.91 1.08 1.54 2.03 2.59 3.49 4.17 4.72 5.45 6.74 8.45 10.68 13.02 21.46 36.01 50.35 86.72 100.00

PERCENTAGE f

0 0 1 0 1 4 5 1 1 0 2 3 5 6 5 21 23 13 18 23 132

0 0 1 1 2 6 11 12 13 13 15 18 23 29 34 55 78 91 109 132

BAND

CUM.

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.76 0.76 215.34 215.34 0.00 0.76 0.00 215.34 0.76 1.52 0.70 216.04 3.03 4.55 1,068.24 1,284.28 3.79 8.33 344.55 1,628.82 0.76 9.09 31.85 1,660.67 0.76 9.85 15.40 1,676.07 0.00 9.85 0.00 1,676.07 1.52 11.36 33.18 1,709.25 2.27 13.64 157.93 1,867.19 3.79 17.42 315.60 2,182.78 4.55 21.97 104.90 2,287.68 3.79 25.76 7,594.81 9,882.49 15.91 41.67 1,087.51 10,970.00 17.42 59.09 26,094.69 37,064.69 9.85 68.94 11,461.15 48,525.84 13.64 82.58 1,402.37 49,928.21 17.42 100.00 2,646.05 52,574.27 52,574.27

BAND

0.00 0.00 0.41 0.00 0.00 2.03 0.66 0.06 0.03 0.00 0.06 0.30 0.60 0.20 14.45 2.07 49.63 21.80 2.67 5.03

PERCENTAGE

CUM.

BAND

CUM

0.00 0.00 0.41 0.41 0.41 2.44 3.10 3.16 3.19 3.19 3.25 3.55 4.15 4.35 18.80 20.87 70.50 92.30 94.97 100.00

0.00 0.00 141.22 0.00 0.22 309.41 86.94 5.08 3.18 0.00 6.55 17.44 26.28 6.69 463.14 18.34 255.60 113.86 5.49 28.38

0.00 0.00 33.62 28.29 20.05 90.26 89.54 67.88 57.20 50.55 44.72 39.49 36.82 30.51 108.16 72.81 146.64 137.30 82.03 74.90 74.90

Page 8 of 180

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

15/12/2004

DATE

15/02/2005

Chemical / Oils / Gas

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

235 188 278 214 371 354 347 365 288 207 156 244 130 251 150 247 213 122 98 21 4.479

235 423 701 915 1.286 1.640 1.987 2.352 2.640 2.847 3.003 3.247 3.377 3.628 3.778 4.025 4.238 4.360 4.458 4.479

BAND

CUM.

5.25 5.25 4.20 9.44 6.21 15.65 4.78 20.43 8.28 28.71 7.90 36.62 7.75 44.36 8.15 52.51 6.43 58.94 4.62 63.56 3.48 67.05 5.45 72.49 2.90 75.40 5.60 81.00 3.35 84.35 5.51 89.86 4.76 94.62 2.72 97.34 2.19 99.53 0.47 100.00

PERCENTAGE rp

5,129.93 5,129.93 102.71 5,232.64 214.28 5,446.92 276.59 5,723.51 667.74 6,391.25 800.82 7,192.07 1,145.27 8,337.34 1,405.93 9,743.27 1,639.97 11,383.24 1,354.63 12,737.87 1,080.22 13,818.09 2,092.26 15,910.36 1,568.18 17,478.53 3,485.85 20,964.38 3,020.60 23,984.98 7,532.70 31,517.68 12,873.85 44,391.53 12,312.13 56,703.66 24,585.14 81,288.80 26,446.77 107,735.57 107,735.57

BAND

4.76 0.10 0.20 0.26 0.62 0.74 1.06 1.30 1.52 1.26 1.00 1.94 1.46 3.24 2.80 6.99 11.95 11.43 22.82 24.55

CUM.

4.76 4.86 5.06 5.31 5.93 6.68 7.74 9.04 10.57 11.82 12.83 14.77 16.22 19.46 22.26 29.25 41.20 52.63 75.45 100.00

PERCENTAGE f

8 0 1 6 3 2 3 14 13 8 3 5 2 13 4 16 8 8 20 5 142

8 8 9 15 18 20 23 37 50 58 61 66 68 81 85 101 109 117 137 142

BAND

CUM.

PERCENTAGE rp

5.63 5.63 2,651.83 2,651.83 0.00 5.63 0.00 2,651.83 0.70 6.34 0.18 2,652.01 4.23 10.56 479.56 3,131.57 2.11 12.68 1,110.98 4,242.54 1.41 14.08 492.14 4,734.68 2.11 16.20 2.13 4,736.81 9.86 26.06 5,247.33 9,984.14 9.15 35.21 2,208.93 12,193.08 5.63 40.85 5,081.19 17,274.26 2.11 42.96 311.31 17,585.57 3.52 46.48 560.36 18,145.93 1.41 47.89 0.00 18,145.93 9.15 57.04 1,916.44 20,062.37 2.82 59.86 93.73 20,156.10 11.27 71.13 9,288.46 29,444.57 5.63 76.76 99,459.85 128,904.41 5.63 82.39 524.13 129,428.54 14.08 96.48 1,418.44 130,846.99 3.52 100.00 2,283.23 133,130.22 133,130.22

BAND

1.99 0.00 0.00 0.36 0.83 0.37 0.00 3.94 1.66 3.82 0.23 0.42 0.00 1.44 0.07 6.98 74.71 0.39 1.07 1.72

CUM.

1.99 1.99 1.99 2.35 3.19 3.56 3.56 7.50 9.16 12.98 13.21 13.63 13.63 15.07 15.14 22.12 96.83 97.22 98.28 100.00

PERCENTAGE BAND

51.69 0.00 0.08 173.38 166.38 61.45 0.19 373.23 134.69 375.10 28.82 26.78 0.00 54.98 3.10 123.31 772.57 4.26 5.77 8.63

CUM

51.69 50.68 48.69 54.71 66.38 65.83 56.81 102.47 107.11 135.61 127.26 114.05 103.82 95.70 84.04 93.42 290.38 228.25 160.97 123.57 123.57

Page 9 of 180

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 24

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2004

15/02/2005

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

933 959 1 876 1 719 538 493 349 205 179 217 159 262 177 324 244 124 122 30 9.463

933 1.892 3.278 4.154 5.321 6.040 6.578 7.071 7.420 7.625 7.804 8.021 8.180 8.442 8.619 8.943 9.187 9.311 9.433 9.463

BAND

CUM.

PERCENTAGE rp

9.86 9.86 2,044.13 2,044.13 10.13 19.99 383.71 2,427.84 14.65 34.64 990.21 3,418.05 9.26 43.90 997.71 4,415.76 12.33 56.23 1,920.31 6,336.07 7.60 63.83 1,749.36 8,085.43 5.69 69.51 1,794.37 9,879.80 5.21 74.72 2,078.81 11,958.61 3.69 78.41 2,230.48 14,189.10 2.17 80.58 1,303.97 15,493.07 1.89 82.47 1,386.86 16,879.93 2.29 84.76 2,460.76 19,340.69 1.68 86.44 2,086.71 21,427.40 2.77 89.21 4,230.36 25,657.77 1.87 91.08 4,466.62 30,124.39 3.42 94.50 9,293.80 39,418.18 2.58 97.08 13,505.92 52,924.10 1.31 98.39 12,966.86 65,890.96 1.29 99.68 23,991.74 89,882.70 0.32 100.00 7,753.98 97,636.68 97,636.68

BAND

2.09 0.39 1.01 1.02 1.97 1.79 1.84 2.13 2.28 1.34 1.42 2.52 2.14 4.33 4.57 9.52 13.83 13.28 24.57 7.94

CUM.

2.09 2.49 3.50 4.52 6.49 8.28 10.12 12.25 14.53 15.87 17.29 19.81 21.95 26.28 30.85 40.37 54.21 67.49 92.06 100.00

PERCENTAGE f

9 1 4 2 6 8 4 7 3 7 3 9 10 11 16 28 34 28 32 5 227

BAND

CUM.

9 10 14 16 22 30 34 41 44 51 54 63 73 84 100 128 162 190 222 227

3.96 3.96 0.44 4.41 1.76 6.17 0.88 7.05 2.64 9.69 3.52 13.22 1.76 14.98 3.08 18.06 1.32 19.38 3.08 22.47 1.32 23.79 3.96 27.75 4.41 32.16 4.85 37.00 7.05 44.05 12.33 56.39 14.98 71.37 12.33 83.70 14.10 97.80 2.20 100.00

PERCENTAGE rp

207.78 70.65 608.36 413.69 802.47 2,576.80 31.16 1,055.46 383.10 4,812.69 1,777.52 2,279.57 6,848.80 1,409.97 8,725.27 1,221.28 2,589.63 386.51 7,357.49 2,151.31

207.78 278.42 886.78 1,300.47 2,102.94 4,679.74 4,710.90 5,766.36 6,149.46 10,962.14 12,739.66 15,019.24 21,868.04 23,278.01 32,003.28 33,224.56 35,814.19 36,200.70 43,558.19 45,709.50

BAND

0.45 0.15 1.33 0.91 1.76 5.64 0.07 2.31 0.84 10.53 3.89 4.99 14.98 3.08 19.09 2.67 5.67 0.85 16.10 4.71

PERCENTAGE

CUM.

BAND

CUM

0.45 0.61 1.94 2.85 4.60 10.24 10.31 12.62 13.45 23.98 27.87 32.86 47.84 50.93 70.01 72.69 78.35 79.20 95.29 100.00

10.16 18.41 61.44 41.46 41.79 147.30 1.74 50.77 17.18 369.08 128.17 92.64 328.21 33.33 195.34 13.14 19.17 2.98 30.67 27.74

10.16 11.47 25.94 29.45 33.19 57.88 47.68 48.22 43.34 70.76 75.47 77.66 102.06 90.73 106.24 84.29 67.67 54.94 48.46 46.82

45,709.50

46.82 Page 10 of 180

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

15/12/2004

DATE

15/02/2005

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

475 485 693 458 621 401 337 341 217 151 140 176 128 157 104 210 133 47 37 10 5.321

475 960 1.653 2.111 2.732 3.133 3.470 3.811 4.028 4.179 4.319 4.495 4.623 4.780 4.884 5.094 5.227 5.274 5.311 5.321

BAND

CUM.

PERCENTAGE rp

8.93 8.93 1,274.51 1,274.51 9.11 18.04 223.78 1,498.29 13.02 31.07 692.09 2,190.38 8.61 39.67 565.50 2,755.88 11.67 51.34 1,153.92 3,909.80 7.54 58.88 1,149.91 5,059.71 6.33 65.21 1,147.57 6,207.29 6.41 71.62 1,877.46 8,084.74 4.08 75.70 1,341.76 9,426.50 2.84 78.54 1,202.98 10,629.48 2.63 81.17 1,323.60 11,953.08 3.31 84.48 1,978.99 13,932.07 2.41 86.88 2,070.51 16,002.58 2.95 89.83 2,855.13 18,857.70 1.95 91.79 2,705.74 21,563.45 3.95 95.73 7,256.49 28,819.94 2.50 98.23 11,121.51 39,941.45 0.88 99.12 6,084.37 46,025.81 0.70 99.81 9,120.58 55,146.39 0.19 100.00 9,429.61 64,576.00 64,576.00

BAND

1.97 0.35 1.07 0.88 1.79 1.78 1.78 2.91 2.08 1.86 2.05 3.06 3.21 4.42 4.19 11.24 17.22 9.42 14.12 14.60

CUM.

1.97 2.32 3.39 4.27 6.05 7.84 9.61 12.52 14.60 16.46 18.51 21.57 24.78 29.20 33.39 44.63 61.85 71.27 85.40 100.00

PERCENTAGE f

2 1 1 3 3 0 4 4 3 1 6 3 2 3 17 8 23 12 23 7 126

2 3 4 7 10 10 14 18 21 22 28 31 33 36 53 61 84 96 119 126

BAND

CUM.

PERCENTAGE rp

1.59 1.59 1,423.55 1,423.55 0.79 2.38 30.00 1,453.55 0.79 3.17 2.77 1,456.32 2.38 5.56 205.08 1,661.40 2.38 7.94 652.97 2,314.37 0.00 7.94 0.00 2,314.37 3.17 11.11 43.52 2,357.88 3.17 14.29 1,815.99 4,173.87 2.38 16.67 53.43 4,227.30 0.79 17.46 0.00 4,227.30 4.76 22.22 2,682.40 6,909.70 2.38 24.60 12.32 6,922.02 1.59 26.19 35.65 6,957.67 2.38 28.57 934.60 7,892.27 13.49 42.06 1,057.69 8,949.95 6.35 48.41 1,662.48 10,612.43 18.25 66.67 27,788.87 38,401.31 9.52 76.19 906.75 39,308.06 18.25 94.44 1,313.62 40,621.67 5.56 100.00 314.02 40,935.69 40,935.69

BAND

3.48 0.07 0.01 0.50 1.60 0.00 0.11 4.44 0.13 0.00 6.55 0.03 0.09 2.28 2.58 4.06 67.88 2.22 3.21 0.77

CUM.

3.48 3.55 3.56 4.06 5.65 5.65 5.76 10.20 10.33 10.33 16.88 16.91 17.00 19.28 21.86 25.92 93.81 96.02 99.23 100.00

PERCENTAGE BAND

111.69 13.41 0.40 36.26 56.59 0.00 3.79 96.73 3.98 0.00 202.66 0.62 1.72 32.73 39.09 22.91 249.87 14.90 14.40 3.33

CUM

111.69 97.01 66.49 60.29 59.19 45.74 37.99 51.63 44.84 39.77 57.81 49.68 43.48 41.85 41.51 36.82 96.14 85.40 73.66 63.39 63.39

Page 11 of 180

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

15/12/2004

DATE

15/02/2005

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

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

760 425 451 323 406 271 309 291 200 113 115 141 106 136 92 180 101 33 28 9 4.490

760 1.185 1.636 1.959 2.365 2.636 2.945 3.236 3.436 3.549 3.664 3.805 3.911 4.047 4.139 4.319 4.420 4.453 4.481 4.490

BAND

CUM.

16.93 16.93 9.47 26.39 10.04 36.44 7.19 43.63 9.04 52.67 6.04 58.71 6.88 65.59 6.48 72.07 4.45 76.53 2.52 79.04 2.56 81.60 3.14 84.74 2.36 87.10 3.03 90.13 2.05 92.18 4.01 96.19 2.25 98.44 0.73 99.18 0.62 99.80 0.20 100.00

PERCENTAGE rp

3,213.67 389.40 701.70 731.73 1,772.50 1,387.47 1,950.42 2,686.26 2,301.21 1,689.33 2,197.09 3,205.58 2,827.51 4,263.21 3,642.39 11,303.12 10,373.93 4,873.21 16,429.59 17,728.09

3,213.67 3,603.07 4,304.77 5,036.50 6,808.99 8,196.46 10,146.89 12,833.15 15,134.36 16,823.69 19,020.79 22,226.37 25,053.88 29,317.09 32,959.48 44,262.60 54,636.54 59,509.74 75,939.34 93,667.43

93,667.43

BAND

3.43 0.42 0.75 0.78 1.89 1.48 2.08 2.87 2.46 1.80 2.35 3.42 3.02 4.55 3.89 12.07 11.08 5.20 17.54 18.93

CUM.

3.43 3.85 4.60 5.38 7.27 8.75 10.83 13.70 16.16 17.96 20.31 23.73 26.75 31.30 35.19 47.26 58.33 63.53 81.07 100.00

PERCENTAGE f

14 1 2 3 7 5 5 8 7 8 3 8 7 15 4 22 16 4 10 6 155

BAND

CUM.

PERCENTAGE rp

14 9.03 9.03 410.98 410.98 15 0.65 9.68 7.90 418.88 17 1.29 10.97 189.71 608.59 20 1.94 12.90 147.74 756.33 27 4.52 17.42 370.55 1,126.88 32 3.23 20.65 240.64 1,367.51 37 3.23 23.87 1,432.57 2,800.08 45 5.16 29.03 2,291.58 5,091.66 52 4.52 33.55 327.98 5,419.64 60 5.16 38.71 5,433.41 10,853.06 63 1.94 40.65 91.38 10,944.44 71 5.16 45.81 8,725.03 19,669.48 78 4.52 50.32 931.80 20,601.28 93 9.68 60.00 11,519.42 32,120.70 97 2.58 62.58 305.33 32,426.03 119 14.19 76.77 29,231.04 61,657.08 135 10.32 87.10 798.23 62,455.30 139 2.58 89.68 5,244.29 67,699.59 149 6.45 96.13 5,605.93 73,305.52 155 3.87 100.00 511.59 73,817.12 73,817.12

BAND

0.56 0.01 0.26 0.20 0.50 0.33 1.94 3.10 0.44 7.36 0.12 11.82 1.26 15.61 0.41 39.60 1.08 7.10 7.59 0.69

PERCENTAGE

CUM.

BAND

0.56 0.57 0.82 1.02 1.53 1.85 3.79 6.90 7.34 14.70 14.83 26.65 27.91 43.51 43.93 83.53 84.61 91.71 99.31 100.00

12.79 2.03 27.04 20.19 20.91 17.34 73.45 85.31 14.25 321.63 4.16 272.18 32.95 270.21 8.38 258.61 7.69 107.61 34.12 2.89

CUM

12.79 11.63 14.14 15.02 16.55 16.68 27.60 39.68 35.81 64.51 57.54 88.50 82.23 109.56 98.38 139.30 114.31 113.76 96.53 78.81 78.81

Page 12 of 180

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

15/12/2004

15/02/2005

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

1.753 910 973 589 736 452 375 369 261 183 105 187 124 192 132 244 225 127 75 7 8.019

1.753 2.663 3.636 4.225 4.961 5.413 5.788 6.157 6.418 6.601 6.706 6.893 7.017 7.209 7.341 7.585 7.810 7.937 8.012 8.019

BAND

CUM.

PERCENTAGE rp

21.86 21.86 2,670.18 2,670.18 11.35 33.21 1,510.98 4,181.16 12.13 45.34 589.69 4,770.84 7.35 52.69 474.63 5,245.48 9.18 61.87 844.14 6,089.61 5.64 67.50 893.21 6,982.82 4.68 72.18 902.05 7,884.87 4.60 76.78 1,207.86 9,092.74 3.25 80.03 1,114.65 10,207.38 2.28 82.32 846.02 11,053.40 1.31 83.63 613.14 11,666.54 2.33 85.96 1,410.40 13,076.94 1.55 87.50 1,057.79 14,134.73 2.39 89.90 2,277.56 16,412.30 1.65 91.55 2,096.76 18,509.05 3.04 94.59 5,948.68 24,457.74 2.81 97.39 12,476.51 36,934.25 1.58 98.98 11,442.71 48,376.96 0.94 99.91 15,857.58 64,234.54 0.09 100.00 1,328.15 65,562.68 65,562.68

BAND

4.07 2.30 0.90 0.72 1.29 1.36 1.38 1.84 1.70 1.29 0.94 2.15 1.61 3.47 3.20 9.07 19.03 17.45 24.19 2.03

CUM.

4.07 6.38 7.28 8.00 9.29 10.65 12.03 13.87 15.57 16.86 17.79 19.95 21.56 25.03 28.23 37.30 56.33 73.79 97.97 100.00

PERCENTAGE f

11 4 4 2 10 8 7 9 5 2 3 7 10 2 5 15 13 8 12 2 139

CUM.

PERCENTAGE

BAND

11 15 19 21 31 39 46 55 60 62 65 72 82 84 89 104 117 125 137 139

7.91 7.91 26,431.67 26,431.67 2.88 10.79 188.86 26,620.53 2.88 13.67 166.29 26,786.81 1.44 15.11 101.24 26,888.05 7.19 22.30 371.08 27,259.13 5.76 28.06 565.59 27,824.72 5.04 33.09 772.39 28,597.11 6.47 39.57 1,364.92 29,962.04 3.60 43.17 483.42 30,445.46 1.44 44.60 11.16 30,456.62 2.16 46.76 47.52 30,504.13 5.04 51.80 156.70 30,660.83 7.19 58.99 2,609.33 33,270.16 1.44 60.43 28.00 33,298.16 3.60 64.03 669.63 33,967.79 10.79 74.82 1,680.14 35,647.92 9.35 84.17 1,444.34 37,092.27 5.76 89.93 941.17 38,033.44 8.63 98.56 701.01 38,734.45 1.44 100.00 102.33 38,836.79 38,836.79

BAND

68.06 0.49 0.43 0.26 0.96 1.46 1.99 3.51 1.24 0.03 0.12 0.40 6.72 0.07 1.72 4.33 3.72 2.42 1.81 0.26

CUM.

68.06 68.54 68.97 69.23 70.19 71.65 73.63 77.15 78.39 78.42 78.54 78.95 85.67 85.74 87.46 91.79 95.51 97.93 99.74 100.00

PERCENTAGE BAND

CUM

989.88 12.50 28.20 21.33 43.96 63.32 85.63 113.00 43.37 1.32 7.75 11.11 246.68 1.23 31.94 28.24 11.58 8.23 4.42 7.70

989.88 636.68 561.47 512.60 447.63 398.47 362.68 329.52 298.27 275.54 261.47 234.46 235.38 202.89 183.52 145.75 100.43 78.62 60.30 59.24 59.24

Page 13 0f 180

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 28

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2004

15/02/2005

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 9 3 7 6 9 3 5 6 3 4 5 7 6 13 15 1 1 0 115

7 12 21 24 31 37 46 49 54 60 63 67 72 79 85 98 113 114 115 115

BAND

CUM.

6.09 6.09 4.35 10.43 7.83 18.26 2.61 20.87 6.09 26.96 5.22 32.17 7.83 40.00 2.61 42.61 4.35 46.96 5.22 52.17 2.61 54.78 3.48 58.26 4.35 62.61 6.09 68.70 5.22 73.91 11.30 85.22 13.04 98.26 0.87 99.13 0.87 100.00 0.00 100.00

PERCENTAGE rp

24.59 24.59 0.59 25.17 2.43 27.61 1.01 28.62 7.24 35.86 9.49 45.35 22.29 67.64 3.16 70.80 30.30 101.10 21.31 122.41 10.79 133.20 30.15 163.35 43.54 206.89 49.78 256.67 66.78 323.45 243.42 566.87 400.99 967.86 147.96 1,115.82 190.40 1,306.22 0.00 1,306.22 1,306.22

BAND

1.88 0.04 0.19 0.08 0.55 0.73 1.71 0.24 2.32 1.63 0.83 2.31 3.33 3.81 5.11 18.64 30.70 11.33 14.58 0.00

CUM.

1.88 1.93 2.11 2.19 2.75 3.47 5.18 5.42 7.74 9.37 10.20 12.51 15.84 19.65 24.76 43.40 74.10 85.42 100.00 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 2 0 0 0 0 0 0 0 0 0 2

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 2 100.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 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 24.58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 24.58

PERCENTAGE

BAND

CUM.

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 24.58 24.58 24.58 24.58 24.58 24.58 24.58 24.58 24.58 24.58

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 0.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 227.90 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 18.45 15.05 11.88 9.58 7.60 4.34 2.54 2.20 1.88 1.88 1.88

Page 14 of 180

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 29

01/01/2001

15/12/2004

DATE

15/02/2005

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

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

104 89 93 46 43 19 13 9 5 2 2 2 1 1 989 1 684 275 280 116 431.434

103.953 192.525 285.291 331.039 373.711 392.463 405.663 414.385 419.069 421.446 423.235 425.266 426.541 427.972 428.961 430.079 430.763 431.038 431.318 431.434

BAND

CUM.

24.09 24.09 20.53 44.62 21.50 66.13 10.60 76.73 9.89 86.62 4.35 90.97 3.06 94.03 2.02 96.05 1.09 97.13 0.55 97.68 0.41 98.10 0.47 98.57 0.30 98.87 0.33 99.20 0.23 99.43 0.26 99.69 0.16 99.84 0.06 99.91 0.06 99.97 0.03 100.00

PERCENTAGE rp

20,097.93 20,390.64 38,121.28 31,891.19 48,377.47 31,389.97 32,920.62 30,096.42 21,307.57 13,816.53 12,365.77 16,152.79 12,841.47 16,716.39 14,893.29 26,818.77 32,086.62 20,120.21 32,298.22 24,762.60

20,097.93 40,488.57 78,609.86 110,501.05 158,878.52 190,268.48 223,189.10 253,285.53 274,593.10 288,409.64 300,775.40 316,928.19 329,769.67 346,486.06 361,379.35 388,198.13 420,284.74 440,404.95 472,703.17 497,465.77

497,465.77

BAND

CUM.

4.04 4.04 4.10 8.14 7.66 15.80 6.41 22.21 9.72 31.94 6.31 38.25 6.62 44.87 6.05 50.92 4.28 55.20 2.78 57.98 2.49 60.46 3.25 63.71 2.58 66.29 3.36 69.65 2.99 72.64 5.39 78.04 6.45 84.49 4.04 88.53 6.49 95.02 4.98 100.00

PERCENTAGE f

187 175 164 108 126 67 62 53 29 19 19 24 29 32 33 53 74 47 90 213 1.604

187 362 526 634 760 827 889 942 971 990 1.009 1.033 1.062 1.094 1.127 1.180 1.254 1.301 1.391 1.604

BAND

CUM.

11.66 11.66 10.91 22.57 10.22 32.79 6.73 39.53 7.86 47.38 4.18 51.56 3.87 55.42 3.30 58.73 1.81 60.54 1.18 61.72 1.18 62.91 1.50 64.40 1.81 66.21 2.00 68.20 2.06 70.26 3.30 73.57 4.61 78.18 2.93 81.11 5.61 86.72 13.28 100.00

12,642.99 7,740.21 9,249.96 8,334.44 11,175.29 8,788.95 8,425.82 3,874.31 4,669.62 1,919.97 906.53 1,577.98 1,636.34 1,101.49 4,259.59 9,971.79 3,976.66 7,934.70 7,065.16 13,156.35 128,408.14

PERCENTAGE

BAND

CUM

62.91 37.96 24.26 26.13 23.10 28.00 25.59 12.87 21.92 13.90 7.33 9.77 12.74 6.59 28.60 37.18 12.39 39.44 21.87 53.13

62.91 50.34 37.70 34.36 30.93 30.45 29.73 27.73 27.28 26.64 25.84 25.02 24.55 23.68 23.88 24.80 23.85 24.57 24.38 25.81

12,642.99 9.85 20,383.20 6.03 29,633.16 7.20 37,967.60 6.49 49,142.89 8.70 57,931.84 6.84 66,357.66 6.56 70,231.97 3.02 74,901.58 3.64 76,821.56 1.50 77,728.09 0.71 79,306.07 1.23 80,942.41 1.27 82,043.89 0.86 86,303.49 3.32 96,275.27 7.77 100,251.93 3.10 108,186.63 6.18 115,251.79 5.50 128,408.14 10.25

CUM.

9.85 15.87 23.08 29.57 38.27 45.12 51.68 54.69 58.33 59.83 60.53 61.76 63.04 63.89 67.21 74.98 78.07 84.25 89.75 100.00

25.81

Page 15 of 180

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 30

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2004

15/02/2005

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 22 17 32 14 13 17 12 9 11 6 12 5 8 11 4 0 0 253

14 33 60 82 99 131 145 158 175 187 196 207 213 225 230 238 249 253 253 253

BAND

CUM.

PERCENTAGE rp

5.53 5.53 5.92 5.92 7.51 13.04 13.91 19.84 10.67 23.72 24.32 44.15 8.70 32.41 45.29 89.45 6.72 39.13 63.05 152.50 12.65 51.78 117.80 270.30 5.53 57.31 94.83 365.13 5.14 62.45 125.71 490.83 6.72 69.17 132.08 622.92 4.74 73.91 315.45 938.37 3.56 77.47 106.76 1,045.13 4.35 81.82 122.59 1,167.72 2.37 84.19 187.20 1,354.91 4.74 88.93 323.76 1,678.67 1.98 90.91 199.39 1,878.06 3.16 94.07 516.98 2,395.04 4.35 98.42 1,222.60 3,617.64 1.58 100.00 823.56 4,441.20 0.00 100.00 0.00 4,441.20 0.00 100.00 0.00 4,441.20 4,441.20

BAND

0.13 0.31 0.55 1.02 1.42 2.65 2.14 2.83 2.97 7.10 2.40 2.76 4.21 7.29 4.49 11.64 27.53 18.54 0.00 0.00

CUM.

0.13 0.45 0.99 2.01 3.43 6.09 8.22 11.05 14.03 21.13 23.53 26.29 30.51 37.80 42.29 53.93 81.46 100.00 100.00 100.00

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 40.00 20.00 0.00 0.00 0.00 20.00 0.00 20.00 0.00 0.00 0.00

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 40.00 460.50 460.50 60.00 27.74 488.25 60.00 0.00 488.25 60.00 0.00 488.25 60.00 0.00 488.25 80.00 104.39 592.63 80.00 0.00 592.63 100.00 9.67 602.31 100.00 0.00 602.31 100.00 0.00 602.31 100.00 0.00 602.31 602.31

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 76.46 4.61 0.00 0.00 0.00 17.33 0.00 1.61 0.00 0.00 0.00

PERCENTAGE

CUM.

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 76.46 81.06 81.06 81.06 81.06 98.39 98.39 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 145.98 25.99 0.00 0.00 0.00 52.35 0.00 0.79 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 49.07 46.72 41.81 36.04 29.09 31.56 24.74 16.65 13.56 13.56 13.56 13.56

Page 16 of 180

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

15/12/2004

DATE

15/02/2005

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

368 275 63 36 78 29 29 29 22 10 14 12 10 20 15 48 58 3 0 0 1.119

368 643 706 742 820 849 878 907 929 939 953 965 975 995 1.010 1.058 1.116 1.119 1.119 1.119

BAND

CUM.

32.89 32.89 24.58 57.46 5.63 63.09 3.22 66.31 6.97 73.28 2.59 75.87 2.59 78.46 2.59 81.05 1.97 83.02 0.89 83.91 1.25 85.17 1.07 86.24 0.89 87.13 1.79 88.92 1.34 90.26 4.29 94.55 5.18 99.73 0.27 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

1,443.66 366.78 195.51 1,649.83 340.12 146.04 189.32 952.21 137.09 574.09 237.90 202.29 165.70 1,754.46 1,939.70 5,222.03 4,670.09 342.40 0.00 0.00

1,443.66 1,810.45 2,005.95 3,655.78 3,995.89 4,141.93 4,331.25 5,283.46 5,420.55 5,994.63 6,232.54 6,434.83 6,600.53 8,354.99 10,294.68 15,516.71 20,186.80 20,529.20 20,529.20 20,529.20

20,529.20

BAND

7.03 1.79 0.95 8.04 1.66 0.71 0.92 4.64 0.67 2.80 1.16 0.99 0.81 8.55 9.45 25.44 22.75 1.67 0.00 0.00

CUM.

7.03 8.82 9.77 17.81 19.46 20.18 21.10 25.74 26.40 29.20 30.36 31.34 32.15 40.70 50.15 75.58 98.33 100.00 100.00 100.00

PERCENTAGE f

89 3 12 18 54 4 1 24 0 11 0 0 0 7 4 13 4 1 0 0 245

BAND

CUM.

PERCENTAGE rp

89 36.33 36.33 1,673.43 1,673.43 92 1.22 37.55 37.46 1,710.88 104 4.90 42.45 163.92 1,874.80 122 7.35 49.80 347.69 2,222.50 176 22.04 71.84 1,024.86 3,247.36 180 1.63 73.47 53.92 3,301.28 181 0.41 73.88 8.82 3,310.09 205 9.80 83.67 2,374.19 5,684.28 205 0.00 83.67 0.00 5,684.28 216 4.49 88.16 604.00 6,288.28 216 0.00 88.16 0.00 6,288.28 216 0.00 88.16 0.00 6,288.28 216 0.00 88.16 0.00 6,288.28 223 2.86 91.02 388.89 6,677.17 227 1.63 92.65 204.98 6,882.15 240 5.31 97.96 824.48 7,706.63 244 1.63 99.59 71.04 7,777.66 245 0.41 100.00 29.61 7,807.27 245 0.00 100.00 0.00 7,807.27 245 0.00 100.00 0.00 7,807.27 7,807.27

BAND

21.43 0.48 2.10 4.45 13.13 0.69 0.11 30.41 0.00 7.74 0.00 0.00 0.00 4.98 2.63 10.56 0.91 0.38 0.00 0.00

PERCENTAGE

CUM.

BAND

CUM

21.43 21.91 24.01 28.47 41.59 42.28 42.40 72.81 72.81 80.54 80.54 80.54 80.54 85.53 88.15 98.71 99.62 100.00 100.00 100.00

115.92 10.21 83.84 21.07 301.33 36.92 4.66 249.34 0.00 105.21 0.00 0.00 0.00 22.17 10.57 15.79 1.52 8.65 0.00 0.00

115.92 94.50 93.46 60.79 81.27 79.70 76.42 107.59 104.87 104.90 100.89 97.72 95.27 79.92 66.85 49.67 38.53 38.03 38.03 38.03 38.03

Page 17 of 180

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 32

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2004

15/02/2005

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

26 12 4 5 16 3 17 4 9 5 2 4 17 15 16 22 20 4 2 1 204

26 38 42 47 63 66 83 87 96 101 103 107 124 139 155 177 197 201 203 204

BAND

CUM.

PERCENTAGE rp

12.75 12.75 24.09 24.09 5.88 18.63 19.66 43.74 1.96 20.59 33.18 76.93 2.45 23.04 5.12 82.05 7.84 30.88 22.38 104.43 1.47 32.35 5.42 109.84 8.33 40.69 54.86 164.71 1.96 42.65 14.34 179.04 4.41 47.06 41.69 220.73 2.45 49.51 30.25 250.98 0.98 50.49 19.38 270.36 1.96 52.45 110.38 380.74 8.33 60.78 261.07 641.81 7.35 68.14 275.82 917.63 7.84 75.98 325.63 1,243.27 10.78 86.76 586.25 1,829.51 9.80 96.57 1,698.46 3,527.97 1.96 98.53 642.50 4,170.48 0.98 99.51 688.26 4,858.73 0.49 100.00 172.75 5,031.48 5,031.48

BAND

0.48 0.39 0.66 0.10 0.44 0.11 1.09 0.28 0.83 0.60 0.39 2.19 5.19 5.48 6.47 11.65 33.76 12.77 13.68 3.43

CUM.

0.48 0.87 1.53 1.63 2.08 2.18 3.27 3.56 4.39 4.99 5.37 7.57 12.76 18.24 24.71 36.36 70.12 82.89 96.57 100.00

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

CUM.

PERCENTAGE rp

15.38 15.38 33.32 33.32 3.85 19.23 10.00 43.32 0.00 19.23 0.00 43.32 0.00 19.23 0.00 43.32 0.00 19.23 0.00 43.32 0.00 19.23 0.00 43.32 0.00 19.23 0.00 43.32 0.00 19.23 0.00 43.32 0.00 19.23 0.00 43.32 0.00 19.23 0.00 43.32 0.00 19.23 0.00 43.32 0.00 19.23 0.00 43.32 42.31 61.54 250.91 294.23 11.54 73.08 45.56 339.79 11.54 84.62 30.88 370.66 0.00 84.62 0.00 370.66 3.85 88.46 21.34 392.01 0.00 88.46 0.00 392.01 7.69 96.15 82.16 474.17 3.85 100.00 74.40 548.58 548.58

BAND

6.07 1.82 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 45.74 8.30 5.63 0.00 3.89 0.00 14.98 13.56

PERCENTAGE

CUM.

BAND

CUM

6.07 7.90 7.90 7.90 7.90 7.90 7.90 7.90 7.90 7.90 7.90 7.90 53.64 61.94 67.57 67.57 71.46 71.46 86.44 100.00

138.35 50.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 96.11 16.52 9.48 0.00 1.26 0.00 11.94 43.07

138.35 99.04 56.32 52.80 41.49 39.44 26.30 24.20 19.63 17.26 16.02 11.38 45.84 37.03 29.81 20.26 11.11 9.40 9.76 10.90 10.90

Page 18 of 180

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

OCCUPATION CODE

: 40

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2004

15/02/2005

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

CUM.

PERCENTAGE rp

51.25 51.25 4.92 4.92 16.25 67.50 5.96 10.88 20.00 87.50 8.32 19.20 1.25 88.75 0.14 19.34 1.25 90.00 1.48 20.82 0.00 90.00 0.00 20.82 2.50 92.50 23.68 44.50 1.25 93.75 0.63 45.13 0.00 93.75 0.00 45.13 1.25 95.00 12.51 57.64 0.00 95.00 0.00 57.64 0.00 95.00 0.00 57.64 1.25 96.25 33.32 90.96 1.25 97.50 13.97 104.93 1.25 98.75 25.25 130.17 0.00 98.75 0.00 130.17 0.00 98.75 0.00 130.17 1.25 100.00 160.29 290.47 0.00 100.00 0.00 290.47 0.00 100.00 0.00 290.47 290.47

BAND

1.69 2.05 2.87 0.05 0.51 0.00 8.15 0.22 0.00 4.31 0.00 0.00 11.47 4.81 8.69 0.00 0.00 55.18 0.00 0.00

CUM.

1.69 3.74 6.61 6.66 7.17 7.17 15.32 15.54 15.54 19.84 19.84 19.84 31.31 36.12 44.82 44.82 44.82 100.00 100.00 100.00

PERCENTAGE f

0 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2

BAND

CUM.

0 0.00 0.00 2 100.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00

PERCENTAGE rp

0.00 0.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 .54

0.00 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54

BAND

CUM.

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

0.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 9.45 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 0.00

CUM

0.00 5.18 2.93 2.91 2.71 2.71 1.27 1.25 1.25 0.98 0.98 0.98 0.62 0.54 0.43 0.43 0.43 0.19 0.19 0.19 0.19

Page 19 of 180

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

15/12/2004

15/02/2005

NANGROE ACEH DARUSSALAM

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

971 818 657 225 212 62 43 14 19 5 4 14 3 10 7 2 14 7 1 3.088

971 1.789 2.446 2.671 2.883 2.945 2.988 3.002 3.021 3.026 3.030 3.044 3.047 3.057 3.064 3.066 3.080 3.087 3.087 3.088

BAND

CUM.

31.44 31.44 26.49 57.93 21.28 79.21 7.29 86.50 6.87 93.36 2.01 95.37 1.39 96.76 0.45 97.22 0.62 97.83 0.16 97.99 0.13 98.12 0.45 98.58 0.10 98.67 0.32 99.00 0.23 99.22 0.06 99.29 0.45 99.74 0.23 99.97 0.00 99.97 0.03 100.00

PERCENTAGE rp

170.61 410.82 619.45 344.96 415.06 189.10 180.42 56.66 84.23 95.35 14.06 46.02 15.12 143.50 73.91 16.75 636.52 392.21 0.00 2,085.23

170.61 581.44 1,200.89 1,545.85 1,960.91 2,150.01 2,330.43 2,387.09 2,471.32 2,566.67 2,580.73 2,626.75 2,641.86 2,785.36 2,859.27 2,876.02 3,512.54 3,904.75 3,904.75 5,989.98

5,989.98

BAND

2.85 6.86 10.34 5.76 6.93 3.16 3.01 0.95 1.41 1.59 0.23 0.77 0.25 2.40 1.23 0.28 10.63 6.55 0.00 34.81

CUM.

2.85 9.71 20.05 25.81 32.74 35.89 38.91 39.85 41.26 42.85 43.08 43.85 44.10 46.50 47.73 48.01 58.64 65.19 65.19 100.00

PERCENTAGE f

2 2 1 3 1 2 1 2 1 15

BAND

CUM.

2 4 5 5 8 9 11 11 11 11 11 11 11 11 12 12 14 14 14 15

13.33 13.33 13.33 26.67 6.67 33.33 0.00 33.33 20.00 53.33 6.67 60.00 13.33 73.33 0.00 73.33 0.00 73.33 0.00 73.33 0.00 73.33 0.00 73.33 0.00 73.33 0.00 73.33 6.67 80.00 0.00 80.00 13.33 93.33 0.00 93.33 0.00 93.33 6.67 100.00

PERCENTAGE rp

57.20 59.98 171.00 0.00 19.41 1.66 439.34 0.00 0.00 0.00 0.00 0.00 0.00 0.00 104.39 0.00 59.29 0.00 0.00 1,264.46

57.20 117.18 288.18 288.18 307.59 309.26 748.60 748.60 748.60 748.60 748.60 748.60 748.60 748.60 852.98 852.98 912.28 912.28 912.28 2,176.74

2,176.74

BAND

CUM.

2.63 2.63 2.76 5.38 7.86 13.24 0.00 13.24 0.89 14.13 0.08 14.21 20.18 34.39 0.00 34.39 0.00 34.39 0.00 34.39 0.00 34.39 0.00 34.39 0.00 34.39 0.00 34.39 4.80 39.19 0.00 39.19 2.72 41.91 0.00 41.91 0.00 41.91 58.09 100.00

PERCENTAGE BAND

33.53 14.60 27.61 0.00 4.68 0.88 243.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 141.24 0.00 9.32 0.00 0.00 60.64

CUM

33.53 20.15 24.00 18.64 15.69 14.38 32.12 31.36 30.29 29.17 29.01 28.50 28.34 26.88 29.83 29.66 25.97 23.36 23.36 36.34 36.34

Page 20 of 180

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

15/12/2004

15/02/2005

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

4.834 5.911 6.730 2.931 2.483 1.010 766 506 306 131 109 147 94 119 81 161 91 53 15 4 26.482

4.834 10.745 17.475 20.406 22.889 23.899 24.665 25.171 25.477 25.608 25.717 25.864 25.958 26.077 26.158 26.319 26.410 26.463 26.478 26.482

BAND

CUM.

18.25 18.25 22.32 40.57 25.41 65.99 11.07 77.06 9.38 86.43 3.81 90.25 2.89 93.14 1.91 95.05 1.16 96.20 0.49 96.70 0.41 97.11 0.56 97.67 0.35 98.02 0.45 98.47 0.31 98.78 0.61 99.38 0.34 99.73 0.20 99.93 0.06 99.98 0.02 100.00

PERCENTAGE rp

BAND

CUM.

1,758.19 1,336.36 2,909.20 2,269.87 3,228.64 2,127.54 3,226.39 2,674.04 1,814.85 1,566.18 1,085.71 1,392.92 1,228.95 2,253.24 1,923.07 5,385.14 5,747.74 4,074.62 5,799.47 1,501.76

1,758.19 3,094.55 6,003.75 8,273.62 11,502.26 13,629.80 16,856.19 19,530.22 21,345.08 22,911.26 23,996.97 25,389.89 26,618.84 28,872.08 30,795.15 36,180.28 41,928.03 46,002.65 51,802.12 53,303.88

3.30 2.51 5.46 4.26 6.06 3.99 6.05 5.02 3.40 2.94 2.04 2.61 2.31 4.23 3.61 10.10 10.78 7.64 10.88 2.82

3.30 5.81 11.26 15.52 21.58 25.57 31.62 36.64 40.04 42.98 45.02 47.63 49.94 54.17 57.77 67.88 78.66 86.30 97.18 100.00

53,303.88

PERCENTAGE f

10 5 14 7 11 4 3 20 5 13 1 2 1 3 2 8 9 4 1 123

10 15 29 36 47 51 54 74 79 92 93 95 96 99 101 109 118 122 123 123

BAND

CUM.

8.13 8.13 4.07 12.20 11.38 23.58 5.69 29.27 8.94 38.21 3.25 41.46 2.44 43.90 16.26 60.16 4.07 64.23 10.57 74.80 0.81 75.61 1.63 77.24 0.81 78.05 2.44 80.49 1.63 82.11 6.50 88.62 7.32 95.93 3.25 99.19 0.81 100.00 0.00 100.00

PERCENTAGE rp

BAND

1,785.40 215.25 562.55 829.83 1,907.32 362.00 297.31 3,434.95 1,535.99 1,064.50 0.00 21.18 31.50 166.22 40.50 212.36 254.72 405.43 190.36 0.00

1,785.40 2,000.65 2,563.20 3,393.03 5,300.35 5,662.35 5,959.66 9,394.60 10,930.60 11,995.10 11,995.10 12,016.28 12,047.78 12,214.00 12,254.50 12,466.86 12,721.58 13,127.02 13,317.37 13,317.37

13.41 1.62 4.22 6.23 14.32 2.72 2.23 25.79 11.53 7.99 0.00 0.16 0.24 1.25 0.30 1.59 1.91 3.04 1.43 0.00

13,317.37

CUM.

PERCENTAGE BAND

13.41 101.55 15.02 16.11 19.25 19.34 25.48 36.56 39.80 59.08 42.52 17.01 44.75 9.21 70.54 128.46 82.08 84.63 90.07 67.97 90.07 0.00 90.23 1.52 90.47 2.56 91.71 7.38 92.02 2.11 93.61 3.94 95.53 4.43 98.57 9.95 100.00 3.28 100.00 0.00

CUM

101.55 64.65 42.69 41.01 46.08 41.54 35.36 48.10 51.21 52.35 49.99 47.33 45.26 42.30 39.79 34.46 30.34 28.54 25.71 24.98 24.98

Page 21 of 180

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

15/12/2004

15/02/2005

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

2.219 2.105 1.695 576 478 156 124 66 36 23 16 14 13 16 10 12 21 6 1 1 7.588

2.219 4.324 6.019 6.595 7.073 7.229 7.353 7.419 7.455 7.478 7.494 7.508 7.521 7.537 7.547 7.559 7.580 7.586 7.587 7.588

BAND

CUM.

29.24 29.24 27.74 56.98 22.34 79.32 7.59 86.91 6.30 93.21 2.06 95.27 1.63 96.90 0.87 97.77 0.47 98.25 0.30 98.55 0.21 98.76 0.18 98.95 0.17 99.12 0.21 99.33 0.13 99.46 0.16 99.62 0.28 99.89 0.08 99.97 0.01 99.99 0.01 100.00

PERCENTAGE rp

494.95 406.30 640.62 400.57 570.76 269.79 321.40 200.38 136.77 128.44 113.33 134.85 196.28 153.41 178.23 405.27 1,485.56 348.22 148.73 0.60

494.95 901.25 1,541.87 1,942.43 2,513.20 2,782.99 3,104.39 3,304.77 3,441.53 3,569.97 3,683.30 3,818.15 4,014.42 4,167.84 4,346.06 4,751.33 6,236.90 6,585.11 6,733.85 6,734.45

6,734.45

BAND

7.35 6.03 9.51 5.95 8.48 4.01 4.77 2.98 2.03 1.91 1.68 2.00 2.91 2.28 2.65 6.02 22.06 5.17 2.21 0.01

CUM.

7.35 13.38 22.90 28.84 37.32 41.32 46.10 49.07 51.10 53.01 54.69 56.70 59.61 61.89 64.53 70.55 92.61 97.78 99.99 100.00

PERCENTAGE f

4 1 1 1 1 1 1 10

4 5 5 5 6 7 7 7 7 7 7 8 8 8 9 9 10 10 10 10

PERCENTAGE

BAND

CUM.

BAND

CUM.

40.00 10.00 0.00 0.00 10.00 10.00 0.00 0.00 0.00 0.00 0.00 10.00 0.00 0.00 10.00 0.00 10.00 0.00 0.00 0.00

40.00 50.00 50.00 50.00 60.00 70.00 70.00 70.00 70.00 70.00 70.00 80.00 80.00 80.00 90.00 90.00 100.00 100.00 100.00 100.00

442.33 100.00 0.00 0.00 9.61 581.60 0.00 0.00 0.00 0.00 0.00 23.95 0.00 0.00 7.35 0.00 880.37 0.00 0.00 0.00

442.33 542.33 542.33 542.33 551.94 1,133.54 1,133.54 1,133.54 1,133.54 1,133.54 1,133.54 1,157.48 1,157.48 1,157.48 1,164.83 1,164.83 2,045.19 2,045.19 2,045.19 2,045.19

21.63 4.89 0.00 0.00 0.47 28.44 0.00 0.00 0.00 0.00 0.00 1.17 0.00 0.00 0.36 0.00 43.05 0.00 0.00 0.00

21.63 26.52 26.52 26.52 26.99 55.42 55.42 55.42 55.42 55.42 55.42 56.60 56.60 56.60 56.95 56.95 100.00 100.00 100.00 100.00

2,045.19

PERCENTAGE BAND

CUM

89.37 24.61 0.00 0.00 1.68 215.57 0.00 0.00 0.00 0.00 0.00 17.76 0.00 0.00 4.12 0.00 59.26 0.00 0.00 0.00

89.37 60.18 35.17 27.92 21.96 40.73 36.51 34.30 32.94 31.75 30.78 30.32 28.83 27.77 26.80 24.52 32.79 31.06 30.37 30.37 30.37

Page 22 of 180

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

15/12/2004

15/02/2005

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

3.527 3.870 3.692 1.654 1.350 551 357 238 144 95 70 74 56 76 38 63 107 35 24 12 16.033

PERCENTAGE

BAND

CUM.

3.527 7.397 11.089 12.743 14.093 14.644 15.001 15.239 15.383 15.478 15.548 15.622 15.678 15.754 15.792 15.855 15.962 15.997 16.021 16.033

22.00 24.14 23.03 10.32 8.42 3.44 2.23 1.48 0.90 0.59 0.44 0.46 0.35 0.47 0.24 0.39 0.67 0.22 0.15 0.07

22.00 46.14 69.16 79.48 87.90 91.34 93.56 95.05 95.95 96.54 96.97 97.44 97.79 98.26 98.50 98.89 99.56 99.78 99.93 100.00

1,183.74 1,032.40 2,097.19 1,717.28 2,339.82 1,393.90 1,189.73 1,066.45 736.68 705.32 484.68 712.92 810.89 1,048.62 587.88 1,727.76 5,935.76 3,466.96 4,877.20 3,972.96

1,183.74 2,216.14 4,313.33 6,030.61 8,370.43 9,764.33 10,954.06 12,020.51 12,757.19 13,462.51 13,947.19 14,660.11 15,471.00 16,519.62 17,107.50 18,835.25 24,771.01 28,237.98 33,115.17 37,088.14

37,088.14

BAND

3.19 2.78 5.65 4.63 6.31 3.76 3.21 2.88 1.99 1.90 1.31 1.92 2.19 2.83 1.59 4.66 16.00 9.35 13.15 10.71

CUM.

3.19 5.98 11.63 16.26 22.57 26.33 29.54 32.41 34.40 36.30 37.61 39.53 41.71 44.54 46.13 50.79 66.79 76.14 89.29 100.00

PERCENTAGE f

BAND

9 13 7 5 7 5 4 1 1 3 2 1 4 3 4 4 6

9 22 29 34 41 46 46 50 50 50 51 52 55 57 58 62 65 69 73 79

11.39 11.39 16.46 27.85 8.86 36.71 6.33 43.04 8.86 51.90 6.33 58.23 0.00 58.23 5.06 63.29 0.00 63.29 0.00 63.29 1.27 64.56 1.27 65.82 3.80 69.62 2.53 72.15 1.27 73.42 5.06 78.48 3.80 82.28 5.06 87.34 5.06 92.41 7.59 100.00

CUM.

PERCENTAGE rp

1,030.92 702.55 745.75 842.58 1,058.24 392.19 0.00 165.74 0.00 0.00 5.68 1,689.55 1,210.83 1.85 3.69 3,543.84 70.65 1,160.11 751.97 511.59 13,887.73

1,030.92 1,733.46 2,479.22 3,321.79 4,380.04 4,772.22 4,772.22 4,937.96 4,937.96 4,937.96 4,943.65 6,633.20 7,844.03 7,845.87 7,849.57 11,393.41 11,464.06 12,624.17 13,376.13 13,887.73

BAND

PERCENTAGE

CUM.

BAND

7.42 7.42 5.06 12.48 5.37 17.85 6.07 23.92 7.62 31.54 2.82 34.36 0.00 34.36 1.19 35.56 0.00 35.56 0.00 35.56 0.04 35.60 12.17 47.76 8.72 56.48 0.01 56.50 0.03 56.52 25.52 82.04 0.51 82.55 8.35 90.90 5.41 96.32 3.68 100.00

87.09 68.05 35.56 49.06 45.23 28.14 0.00 15.54 0.00 0.00 1.17 236.99 149.32 0.18 0.63 205.11 1.19 33.46 15.42 12.88

CUM

87.09 78.22 57.48 55.08 52.33 48.87 43.57 41.08 38.71 36.68 35.45 45.25 50.70 47.49 45.88 60.49 46.28 44.71 40.39 37.45 37.45

Page 23 of 135

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

15/12/2004

15/02/2005

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

800 797 744 327 279 116 68 49 31 8 15 11 14 8 6 10 9 5 3 3.300

800 1.597 2.341 2.668 2.947 3.063 3.131 3.180 3.211 3.219 3.234 3.245 3.259 3.267 3.273 3.283 3.292 3.297 3.300 3.300

BAND

CUM.

24.24 24.24 24.15 48.39 22.55 70.94 9.91 80.85 8.45 89.30 3.52 92.82 2.06 94.88 1.48 96.36 0.94 97.30 0.24 97.55 0.45 98.00 0.33 98.33 0.42 98.76 0.24 99.00 0.18 99.18 0.30 99.48 0.27 99.76 0.15 99.91 0.09 100.00 0.00 100.00

PERCENTAGE rp

129.88 269.71 482.35 345.73 510.71 306.12 212.52 232.83 213.72 131.95 120.39 162.85 273.31 181.23 165.38 311.08 890.08 440.13 293.73 0.00 5,673.70

129.88 399.59 881.95 1,227.67 1,738.39 2,044.51 2,257.03 2,489.86 2,703.58 2,835.53 2,955.92 3,118.77 3,392.07 3,573.30 3,738.69 4,049.77 4,939.85 5,379.98 5,673.70 5,673.70

BAND

2.29 4.75 8.50 6.09 9.00 5.40 3.75 4.10 3.77 2.33 2.12 2.87 4.82 3.19 2.91 5.48 15.69 7.76 5.18 0.00

CUM.

2.29 7.04 15.54 21.64 30.64 36.03 39.78 43.88 47.65 49.98 52.10 54.97 59.79 62.98 65.89 71.38 87.07 94.82 100.00 100.00

PERCENTAGE f

1 4 2 2 1 2 1 1 14

BAND

CUM.

1 5 7 7 9 9 10 12 12 12 12 12 12 12 12 12 13 13 14 14

7.14 7.14 28.57 35.71 14.29 50.00 0.00 50.00 14.29 64.29 0.00 64.29 7.14 71.43 14.29 85.71 0.00 85.71 0.00 85.71 0.00 85.71 0.00 85.71 0.00 85.71 0.00 85.71 0.00 85.71 0.00 85.71 7.14 92.86 0.00 92.86 7.14 100.00 0.00 100.00

PERCENTAGE rp

3.54 196.56 390.00 0.00 465.20 0.00 11.69 975.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.67 0.00 44.79 0.00

3.54 200.10 590.10 590.10 1,055.30 1,055.30 1,066.99 2,042.62 2,042.62 2,042.62 2,042.62 2,042.62 2,042.62 2,042.62 2,042.62 2,042.62 2,048.28 2,048.28 2,093.07 2,093.07

2,093.07

BAND

CUM.

0.17 0.17 9.39 9.56 18.63 28.19 0.00 28.19 22.23 50.42 0.00 50.42 0.56 50.98 46.61 97.59 0.00 97.59 0.00 97.59 0.00 97.59 0.00 97.59 0.00 97.59 0.00 97.59 0.00 97.59 0.00 97.59 0.27 97.86 0.00 97.86 2.14 100.00 0.00 100.00

PERCENTAGE BAND

CUM

2.72 72.88 80.85 0.00 91.09 0.00 5.50 419.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.64 0.00 15.25 0.00

2.72 50.08 66.91 48.07 60.71 51.62 47.27 82.04 75.55 72.04 69.10 65.49 60.22 57.16 54.63 50.44 41.46 38.07 36.89 36.89 36.89

Page 24 of 180

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

15/12/2004

15/02/2005

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

2.744 2.503 2.499 1.073 921 408 285 171 109 70 49 50 40 53 28 49 36 25 12 6 11.131

2.744 5.247 7.746 8.819 9.740 10.148 10.433 10.604 10.713 10.783 10.832 10.882 10.922 10.975 11.003 11.052 11.088 11.113 11.125 11.131

BAND

CUM.

24.65 24.65 22.49 47.14 22.45 69.59 9.64 79.23 8.27 87.50 3.67 91.17 2.56 93.73 1.54 95.27 0.98 96.24 0.63 96.87 0.44 97.31 0.45 97.76 0.36 98.12 0.48 98.60 0.25 98.85 0.44 99.29 0.32 99.61 0.22 99.84 0.11 99.95 0.05 100.00

PERCENTAGE rp

914.80 660.84 1,281.91 960.88 1,348.81 902.19 956.00 591.65 514.52 391.92 356.57 414.72 369.76 592.55 498.18 1,712.74 2,937.89 1,729.77 1,928.96 882.34

914.80 1,575.64 2,857.55 3,818.43 5,167.25 6,069.44 7,025.44 7,617.09 8,131.61 8,523.52 8,880.09 9,294.81 9,664.57 10,257.12 10,755.30 12,468.03 15,405.92 17,135.70 19,064.66 19,947.00

19,947.00

BAND

4.59 3.31 6.43 4.82 6.76 4.52 4.79 2.97 2.58 1.96 1.79 2.08 1.85 2.97 2.50 8.59 14.73 8.67 9.67 4.42

CUM.

4.59 7.90 14.33 19.14 25.90 30.43 35.22 38.19 40.77 42.73 44.52 46.60 48.45 51.42 53.92 62.51 77.23 85.91 95.58 100.00

PERCENTAGE f

4 5 5 4 5 1 1 1 1 1 3 31

4 9 14 18 23 24 25 25 25 25 25 25 26 26 26 26 27 28 31 31

BAND

12.90 16.13 16.13 12.90 16.13 3.23 3.23 0.00 0.00 0.00 0.00 0.00 3.23 0.00 0.00 0.00 3.23 3.23 9.68 0.00

PERCENTAGE

CUM.

12.90 29.03 45.16 58.06 74.19 77.42 80.65 80.65 80.65 80.65 80.65 80.65 83.87 83.87 83.87 83.87 87.10 90.32 100.00 100.00

180.19 179.43 95.56 291.99 304.58 11.95 796.40 0.00 0.00 0.00 0.00 0.00 209.29 0.00 0.00 0.00 333.62 29.61 410.34 0.00

180.19 359.61 455.17 747.17 1,051.74 1,063.70 1,860.09 1,860.09 1,860.09 1,860.09 1,860.09 1,860.09 2,069.38 2,069.38 2,069.38 2,069.38 2,403.01 2,432.62 2,842.96 2,842.96

2,842.96

BAND

CUM.

6.34 6.34 6.31 12.65 3.36 16.01 10.27 26.28 10.71 36.99 0.42 37.42 28.01 65.43 0.00 65.43 0.00 65.43 0.00 65.43 0.00 65.43 0.00 65.43 7.36 72.79 0.00 72.79 0.00 72.79 0.00 72.79 11.74 84.52 1.04 85.57 14.43 100.00 0.00 100.00

PERCENTAGE BAND

CUM

19.70 27.15 7.45 30.39 22.58 1.33 83.30 0.00 0.00 0.00 0.00 0.00 56.60 0.00 0.00 0.00 11.36 1.71 21.27 0.00

19.70 22.82 15.93 19.57 20.35 17.53 26.48 24.42 22.87 21.82 20.95 20.01 21.41 20.18 19.24 16.60 15.60 14.20 14.91 14.25 14.25

Page 25 of 180

RISK AND LOSS PROFILE 2001 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2001

PROVINCE

: 07

DATA POSITION FROM TO PROCESSING

DATE

01/01/2001

15/12/2004

15/02/2005

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

806 539 359 162 112 36 26 22 8 1 4 5 1 1 3 6 1 2.092

BAND

CUM.

806 1.345 1.704 1.866 1.978 2.014 2.040 2.062 2.070 2.071 2.075 2.080 2.081 2.082 2.085 2.091 2.092 2.092 2.092 2.092

38.53 25.76 17.16 7.74 5.35 1.72 1.24 1.05 0.38 0.05 0.19 0.24 0.05 0.05 0.14 0.29 0.05 0.00 0.00 0.00

38.53 64.29 81.45 89.20 94.55 96.27 97.51 98.57 98.95 99.00 99.19 99.43 99.47 99.52 99.67 99.95 100.00 100.00 100.00 100.00

PERCENTAGE rp

113.86 205.21 269.29 223.43 262.26 93.70 104.92 76.25 41.16 11.40 21.85 86.53 8.23 2.93 61.27 290.14 31.20 0.00 0.00 0.00 1,903.63

113.86 319.07 588.37 811.80 1,074.06 1,167.75 1,272.67 1,348.93 1,390.08 1,401.48 1,423.33 1,509.86 1,518.09 1,521.02 1,582.29 1,872.43 1,903.63 1,903.63 1,903.63 1,903.63

BAND

5.98 10.78 14.15 11.74 13.78 4.92 5.51 4.01 2.16 0.60 1.15 4.55 0.43 0.15 3.22 15.24 1.64 0.00 0.00 0.00

CUM.

5.98 16.76 30.91 42.64 56.42 61.34 66.85 70.86 73.02 73.62 74.77 79.31 79.75 79.90 83.12 98.36 100.00 100.00 100.00 100.00

PERCENTAGE f

1 2 1 3 7

BAND

1 3 3 4 4 4 4 4 4 4 4 7 7 7 7 7

0.00 0.00 0.00 0.00 14.29 28.57 0.00 14.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 42.86 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 14.29 42.86 42.86 57.14 57.14 57.14 57.14 57.14 57.14 57.14 57.14 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 48.51 10.71 0.00 9.89 0.00 0.00 0.00 0.00 0.00 0.00 0.00 330.17 0.00 0.00 0.00 0.00 399.28

0.00 0.00 0.00 0.00 48.51 59.22 59.22 69.11 69.11 69.11 69.11 69.11 69.11 69.11 69.11 399.28 399.28 399.28 399.28 399.28

BAND

0.00 0.00 0.00 0.00 12.15 2.68 0.00 2.48 0.00 0.00 0.00 0.00 0.00 0.00 0.00 82.69 0.00 0.00 0.00 0.00

PERCENTAGE

CUM.

0.00 0.00 0.00 0.00 12.15 14.83 14.83 17.31 17.31 17.31 17.31 17.31 17.31 17.31 17.31 100.00 100.00 100.00 100.00 100.00

BAND

CUM

0.00 0.00 0.00 0.00 18.50 11.43 0.00 12.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 113.79 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 4.52 5.07 4.65 5.12 4.97 4.93 4.86 4.58 4.55 4.54 4.37 21.32 20.97 20.97 20.97 20.97 20.97

Page 26 of 180

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

15/12/2004

15/02/2005

LAMPUNG

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

1.124 1.145 1.115 513 520 226 189 139 75 28 29 23 27 35 20 31 16 16 9 1

1.124 2.269 3.384 3.897 4.417 4.643 4.832 4.971 5.046 5.074 5.103 5.126 5.153 5.188 5.208 5.239 5.255 5.271 5.280 5.281

5.281

BAND

CUM.

21.28 21.28 21.68 42.97 21.11 64.08 9.71 73.79 9.85 83.64 4.28 87.92 3.58 91.50 2.63 94.13 1.42 95.55 0.53 96.08 0.55 96.63 0.44 97.06 0.51 97.58 0.66 98.24 0.38 98.62 0.59 99.20 0.30 99.51 0.30 99.81 0.17 99.98 0.02 100.00

PERCENTAGE rp

303.09 264.34 534.53 404.23 742.85 425.82 528.48 488.89 400.26 177.54 259.06 179.66 318.31 454.21 187.22 1,140.83 1,045.11 2,506.76 3,180.49 172.75

303.09 567.43 1,101.96 1,506.19 2,249.04 2,674.86 3,203.34 3,692.23 4,092.49 4,270.03 4,529.09 4,708.75 5,027.06 5,481.27 5,668.50 6,809.32 7,854.43 10,361.20 13,541.69 13,714.44

13,714.44

BAND

2.21 1.93 3.90 2.95 5.42 3.10 3.85 3.56 2.92 1.29 1.89 1.31 2.32 3.31 1.37 8.32 7.62 18.28 23.19 1.26

CUM.

2.21 4.14 8.04 10.98 16.40 19.50 23.36 26.92 29.84 31.14 33.02 34.33 36.66 39.97 41.33 49.65 57.27 75.55 98.74 100.00

PERCENTAGE f

2 1 2 2 1 1 3 1 1 5 4 1 2 3 4 1 34

PERCENTAGE

BAND

CUM.

2 3 5 7 7 8 9 12 13 14 19 23 24 24 26 29 29 33 34

0.00 5.88 2.94 5.88 5.88 0.00 2.94 2.94 8.82 2.94 2.94 14.71 11.76 2.94 0.00 5.88 8.82 0.00 11.76 2.94

0.00 5.88 8.82 14.71 20.59 20.59 23.53 26.47 35.29 38.24 41.18 55.88 67.65 70.59 70.59 76.47 85.29 85.29 97.06 100.00

0.00 82.90 10.06 16.35 215.14 0.00 427.19 103.20 395.20 12.53 51.24 149.09 87.63 7.70 0.00 5.50 143.01 0.00 19.04 74.40

0.00 82.90 92.96 109.31 324.45 324.45 751.64 854.83 1,250.04 1,262.57 1,313.80 1,462.89 1,550.52 1,558.22 1,558.22 1,563.72 1,706.72 1,706.72 1,725.76 1,800.16

1,800.16

BAND

CUM.

0.00 0.00 4.61 4.61 0.56 5.16 0.91 6.07 11.95 18.02 0.00 18.02 23.73 41.75 5.73 47.49 21.95 69.44 0.70 70.14 2.85 72.98 8.28 81.26 4.87 86.13 0.43 86.56 0.00 86.56 0.31 86.87 7.94 94.81 0.00 94.81 1.06 95.87 4.13 100.00

PERCENTAGE BAND

0.00 31.36 1.88 4.05 28.96 0.00 80.83 21.11 98.74 7.06 19.78 82.98 27.53 1.69 0.00 0.48 13.68 0.00 0.60 43.07

CUM

0.00 14.61 8.44 7.26 14.43 12.13 23.46 23.15 30.54 29.57 29.01 31.07 30.84 28.43 27.49 22.96 21.73 16.47 12.74 13.13 13.13

Page 27 of 180

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

15/12/2004

15/02/2005

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

17.073 22.834 27.664 20.479 21.192 10.145 7.169 4.972 2.754 1.450 1.124 1.350 845 1.016 699 904 551 309 325 77 142.932

17.073 39.907 67.571 88.050 109.242 119.387 126.556 131.528 134.282 135.732 136.856 138.206 139.051 140.067 140.766 141.670 142.221 142.530 142.855 142.932

BAND

11.94 15.98 19.35 14.33 14.83 7.10 5.02 3.48 1.93 1.01 0.79 0.94 0.59 0.71 0.49 0.63 0.39 0.22 0.23 0.05

PERCENTAGE

CUM.

11.94 27.92 47.27 61.60 76.43 83.53 88.54 92.02 93.95 94.96 95.75 96.69 97.28 98.00 98.48 99.12 99.50 99.72 99.95 100.00

9,968.48 4,425.59 10,877.54 10,887.03 18,668.79 13,731.14 14,991.71 15,104.10 11,206.55 7,699.26 7,475.89 10,416.23 8,316.28 11,166.92 10,620.86 21,569.47 27,487.13 24,601.32 26,937.96 32,687.76 298,840.01

9,968.48 14,394.07 25,271.61 36,158.64 54,827.43 68,558.57 83,550.28 98,654.38 109,860.93 117,560.19 125,036.08 135,452.31 143,768.59 154,935.51 165,556.37 187,125.84 214,612.97 239,214.29 266,152.25 298,840.01

BAND

3.34 1.48 3.64 3.64 6.25 4.59 5.02 5.05 3.75 2.58 2.50 3.49 2.78 3.74 3.55 7.22 9.20 8.23 9.01 10.94

CUM.

3.34 4.82 8.46 12.10 18.35 22.94 27.96 33.01 36.76 39.34 41.84 45.33 48.11 51.85 55.40 62.62 71.82 80.05 89.06 100.00

PERCENTAGE f

56 53 55 49 56 25 36 23 18 13 14 17 19 24 23 34 41 30 104 16 706

BAND

CUM.

56 7.93 7.93 109 7.51 15.44 164 7.79 23.23 213 6.94 30.17 269 7.93 38.10 294 3.54 41.64 330 5.10 46.74 353 3.26 50.00 371 2.55 52.55 384 1.84 54.39 398 1.98 56.37 415 2.41 58.78 434 2.69 61.47 458 3.40 64.87 481 3.26 68.13 515 4.82 72.95 556 5.81 78.75 586 4.25 83.00 690 14.73 97.73 706 2.27 100.00

PERCENTAGE rp

32,750.26 1,536.46 2,452.95 3,430.65 5,914.70 2,714.70 3,389.22 750.87 1,033.71 3,420.28 754.52 6,564.45 8,214.44 1,094.77 4,085.59 2,619.50 2,374.58 7,666.62 8,572.58 2,788.12 102,128.97

32,750.26 34,286.72 36,739.68 40,170.33 46,085.02 48,799.72 52,188.94 52,939.81 53,973.52 57,393.80 58,148.32 64,712.78 72,927.22 74,021.99 78,107.58 80,727.08 83,101.66 90,768.28 99,340.86 102,128.97

BAND

32.07 1.50 2.40 3.36 5.79 2.66 3.32 0.74 1.01 3.35 0.74 6.43 8.04 1.07 4.00 2.56 2.33 7.51 8.39 2.73

CUM.

32.07 33.57 35.97 39.33 45.12 47.78 51.10 51.84 52.85 56.20 56.94 63.36 71.41 72.48 76.48 79.04 81.37 88.88 97.27 100.00

PERCENTAGE BAND

328.54 34.72 22.55 31.51 31.68 19.77 22.61 4.97 9.22 44.42 10.09 63.02 98.78 9.80 38.47 12.14 8.64 31.16 31.82 8.53

CUM

328.54 238.20 145.38 111.09 84.05 71.18 62.46 53.66 49.13 48.82 46.51 47.78 50.73 47.78 47.18 43.14 38.72 37.94 37.32 34.18 34.18

Page 28 of 180

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

15/12/2004

15/02/2005

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

25.680 22.298 20.241 8.953 7.737 3.423 2.512 1.983 1.214 765 602 832 590 828 581 1.023 917 390 404 105 101.078

25.680 47.978 68.219 77.172 84.909 88.332 90.844 92.827 94.041 94.806 95.408 96.240 96.830 97.658 98.239 99.262 100.179 100.569 100.973 101.078

BAND

CUM.

25.41 25.41 22.06 47.47 20.03 67.49 8.86 76.35 7.65 84.00 3.39 87.39 2.49 89.88 1.96 91.84 1.20 93.04 0.76 93.79 0.60 94.39 0.82 95.21 0.58 95.80 0.82 96.62 0.57 97.19 1.01 98.20 0.91 99.11 0.39 99.50 0.40 99.90 0.10 100.00

PERCENTAGE rp

7,033.78 3,891.62 7,061.42 5,930.05 8,987.40 6,015.32 6,383.59 7,965.92 5,779.36 4,425.99 3,973.68 7,386.72 6,109.37 11,070.94 10,858.35 26,390.30 45,550.22 34,640.80 66,889.30 29,997.20 306,341.31

7,033.78 10,925.39 17,986.81 23,916.86 32,904.26 38,919.58 45,303.17 53,269.09 59,048.45 63,474.44 67,448.12 74,834.84 80,944.21 92,015.15 102,873.49 129,263.80 174,814.02 209,454.82 276,344.12 306,341.31

PERCENTAGE

BAND

CUM.

2.30 1.27 2.31 1.94 2.93 1.96 2.08 2.60 1.89 1.44 1.30 2.41 1.99 3.61 3.54 8.61 14.87 11.31 21.83 9.79

2.30 3.57 5.87 7.81 10.74 12.70 14.79 17.39 19.28 20.72 22.02 24.43 26.42 30.04 33.58 42.20 57.07 68.37 90.21 100.00

22 23 27 23 21 19 22 21 9 16 9 11 17 30 34 79 86 34 54 240

22 45 72 95 116 135 157 178 187 203 212 223 240 270 304 383 469 503 557 797

797

BAND

CUM.

2.76 2.76 2.89 5.65 3.39 9.03 2.89 11.92 2.63 14.55 2.38 16.94 2.76 19.70 2.63 22.33 1.13 23.46 2.01 25.47 1.13 26.60 1.38 27.98 2.13 30.11 3.76 33.88 4.27 38.14 9.91 48.06 10.79 58.85 4.27 63.11 6.78 69.89 30.11 100.00

PERCENTAGE rp

2,073.69 715.51 1,975.67 1,486.70 1,648.72 3,292.30 4,271.23 5,249.81 259.70 5,975.27 2,252.79 811.15 317.23 6,732.30 9,205.31 37,383.45 123,810.59 7,009.92 9,943.87 17,892.29 242,307.50

2,073.69 2,789.20 4,764.87 6,251.57 7,900.29 11,192.59 15,463.82 20,713.64 20,973.34 26,948.61 29,201.39 30,012.54 30,329.78 37,062.08 46,267.38 83,650.84 207,461.43 214,471.35 224,415.21 242,307.50

BAND

CUM.

0.86 0.86 0.30 1.15 0.82 1.97 0.61 2.58 0.68 3.26 1.36 4.62 1.76 6.38 2.17 8.55 0.11 8.66 2.47 11.12 0.93 12.05 0.33 12.39 0.13 12.52 2.78 15.30 3.80 19.09 15.43 34.52 51.10 85.62 2.89 88.51 4.10 92.62 7.38 100.00

PERCENTAGE BAND

CUM.

29.48 29.48 18.39 25.53 27.98 26.49 25.07 26.14 18.34 24.01 54.73 28.76 66.91 34.13 65.90 38.88 4.49 35.52 135.00 42.46 56.69 43.29 10.98 40.11 5.19 37.47 60.81 40.28 84.78 44.98 141.66 64.71 271.81 118.68 20.24 102.40 14.87 81.21 59.65 79.10 79.10

Page 29 of 180

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

15/12/2004

15/02/2005

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

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

11.343 4.437 4.036 1.977 1.975 1 829 635 373 223 169 196 139 171 126 171 112 41 40 10

11.343 15.780 19.816 21.793 23.768 24.825 25.654 26.289 26.662 26.885 27.054 27.250 27.389 27.560 27.686 27.857 27.969 28.010 28.050 28.060

28.060

BAND

CUM.

40.42 40.42 15.81 56.24 14.38 70.62 7.05 77.67 7.04 84.70 3.77 88.47 2.95 91.43 2.26 93.69 1.33 95.02 0.79 95.81 0.60 96.41 0.70 97.11 0.50 97.61 0.61 98.22 0.45 98.67 0.61 99.28 0.40 99.68 0.15 99.82 0.14 99.96 0.04 100.00

PERCENTAGE rp

BAND

CUM.

2,562.98 1,117.15 2,019.79 1,738.96 2,665.42 2,184.91 2,258.52 2,674.00 2,105.41 1,320.85 1,327.25 1,680.07 1,685.59 2,444.28 2,105.98 6,116.96 5,748.87 3,899.80 6,780.71 3,349.06

2,562.98 3,680.13 5,699.93 7,438.89 10,104.31 12,289.22 14,547.74 17,221.74 19,327.15 20,647.99 21,975.24 23,655.31 25,340.90 27,785.18 29,891.16 36,008.11 41,756.99 45,656.79 52,437.50 55,786.56

4.59 2.00 3.62 3.12 4.78 3.92 4.05 4.79 3.77 2.37 2.38 3.01 3.02 4.38 3.78 10.96 10.31 6.99 12.15 6.00

4.59 6.60 10.22 13.33 18.11 22.03 26.08 30.87 34.64 37.01 39.39 42.40 45.42 49.81 53.58 64.55 74.85 81.84 94.00 100.00

55,786.56

PERCENTAGE f

51 2 6 4 6 10 7 13 2 3 2 8 18 11 9 11 13 24 14 214

51 53 59 63 69 79 86 99 101 104 106 114 132 143 152 163 176 200 214 214

BAND

CUM.

23.83 23.83 0.93 24.77 2.80 27.57 1.87 29.44 2.80 32.24 4.67 36.92 3.27 40.19 6.07 46.26 0.93 47.20 1.40 48.60 0.93 49.53 3.74 53.27 8.41 61.68 5.14 66.82 4.21 71.03 5.14 76.17 6.07 82.24 11.21 93.46 6.54 100.00 0.00 100.00

PERCENTAGE rp

631.99 91.80 20.17 144.05 36.55 1,033.58 137.24 135.05 8.21 2,017.58 2.40 564.12 287.04 6,504.37 2,007.23 8,595.05 27,316.11 510.02 2,614.49 0.00

631.99 723.78 743.96 888.01 924.56 1,958.14 2,095.38 2,230.43 2,238.64 4,256.22 4,258.62 4,822.75 5,109.78 11,614.15 13,621.39 22,216.44 49,532.55 50,042.57 52,657.06 52,657.06

52,657.06

BAND

1.20 0.17 0.04 0.27 0.07 1.96 0.26 0.26 0.02 3.83 0.00 1.07 0.55 12.35 3.81 16.32 51.88 0.97 4.97 0.00

CUM.

1.20 1.37 1.41 1.69 1.76 3.72 3.98 4.24 4.25 8.08 8.09 9.16 9.70 22.06 25.87 42.19 94.07 95.03 100.00 100.00

PERCENTAGE BAND

CUM

24.66 24.66 8.22 19.67 1.00 13.05 8.28 11.94 1.37 9.15 47.31 15.93 6.08 14.40 5.05 12.95 0.39 11.58 152.75 20.61 0.18 19.38 33.58 20.39 17.03 20.16 266.11 41.80 95.31 45.57 140.51 61.70 475.16 118.62 13.08 109.61 38.56 100.42 0.00 94.39 94.39

Page 30 of 180

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

15/12/2004

15/02/2005

DI YOGYAKARTA

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

824 510 544 309 283 122 113 97 55 37 17 24 26 36 5 35 20 4 4 2 3.067

824 1.334 1.878 2.187 2.470 2.592 2.705 2.802 2.857 2.894 2.911 2.935 2.961 2.997 3.002 3.037 3.057 3.061 3.065 3.067

BAND

CUM.

26.87 16.63 17.74 10.07 9.23 3.98 3.68 3.16 1.79 1.21 0.55 0.78 0.85 1.17 0.16 1.14 0.65 0.13 0.13 0.07

26.87 43.50 61.23 71.31 80.53 84.51 88.20 91.36 93.15 94.36 94.91 95.70 96.54 97.72 97.88 99.02 99.67 99.80 99.93 100.00

PERCENTAGE rp

331.90 95.64 224.41 216.88 322.60 193.76 220.18 327.62 184.42 234.68 95.69 197.38 218.70 338.68 107.79 554.60 393.28 131.37 391.92 412.84 5,194.32

331.90 427.54 651.95 868.82 1,191.42 1,385.18 1,605.36 1,932.98 2,117.40 2,352.08 2,447.77 2,645.15 2,863.85 3,202.52 3,310.31 3,864.91 4,258.19 4,389.56 4,781.48 5,194.32

BAND

6.39 1.84 4.32 4.18 6.21 3.73 4.24 6.31 3.55 4.52 1.84 3.80 4.21 6.52 2.08 10.68 7.57 2.53 7.55 7.95

CUM.

6.39 8.23 12.55 16.73 22.94 26.67 30.91 37.21 40.76 45.28 47.12 50.92 55.13 61.65 63.73 74.41 81.98 84.51 92.05 100.00

PERCENTAGE f

3 1 1 1 2 2 1 1 2 1 1 16

BAND

CUM.

3 3 4 5 6 6 6 6 8 8 10 10 11 12 12 14 15 16 16 16

18.75 18.75 0.00 18.75 6.25 25.00 6.25 31.25 6.25 37.50 0.00 37.50 0.00 37.50 0.00 37.50 12.50 50.00 0.00 50.00 12.50 62.50 0.00 62.50 6.25 68.75 6.25 75.00 0.00 75.00 12.50 87.50 6.25 93.75 6.25 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

39.73 0.00 3.74 0.00 0.70 0.00 0.00 0.00 7.95 0.00 6.82 0.00 9.50 0.39 0.00 129.07 215.36 4.85 0.00 0.00

39.73 39.73 43.47 43.47 44.17 44.17 44.17 44.17 52.12 52.12 58.94 58.94 68.44 68.83 68.83 197.90 413.26 418.11 418.11 418.11

418.11

BAND

CUM.

9.50 9.50 0.00 9.50 0.89 10.40 0.00 10.40 0.17 10.57 0.00 10.57 0.00 10.57 0.00 10.57 1.90 12.47 0.00 12.47 1.63 14.10 0.00 14.10 2.27 16.37 0.09 16.46 0.00 16.46 30.87 47.33 51.51 98.84 1.16 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

11.97 0.00 1.67 0.00 0.22 0.00 0.00 0.00 4.31 0.00 7.13 0.00 4.34 0.11 0.00 23.27 54.76 3.69 0.00 0.00

CUM

11.97 9.29 6.67 5.00 3.71 3.19 2.75 2.29 2.46 2.22 2.41 2.23 2.39 2.15 2.08 5.12 9.71 9.53 8.74 8.05 8.05

Page 31 of 180

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

15/12/2004

15/02/2005

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

11.963 7.772 8.014 4.176 4.360 2.287 1.805 1.376 912 475 385 462 316 381 296 399 264 112 112 18 45.885

11.963 19.735 27.749 31.925 36.285 38.572 40.377 41.753 42.665 43.140 43.525 43.987 44.303 44.684 44.980 45.379 45.643 45.755 45.867 45.885

BAND

26.07 16.94 17.47 9.10 9.50 4.98 3.93 3.00 1.99 1.04 0.84 1.01 0.69 0.83 0.65 0.87 0.58 0.24 0.24 0.04

PERCENTAGE

CUM.

26.07 43.01 60.48 69.58 79.08 84.06 88.00 90.99 92.98 94.02 94.86 95.86 96.55 97.38 98.03 98.90 99.47 99.72 99.96 100.00

4,121.88 2,089.37 3,475.58 4,511.80 5,592.07 4,169.36 4,551.07 5,084.31 4,490.96 2,855.88 2,963.34 3,866.80 3,351.02 6,456.55 6,817.62 14,019.09 13,510.38 7,694.30 21,558.99 31,448.27 152,628.63

4,121.88 6,211.25 9,686.82 14,198.62 19,790.69 23,960.04 28,511.12 33,595.43 38,086.39 40,942.26 43,905.61 47,772.41 51,123.43 57,579.99 64,397.60 78,416.69 91,927.07 99,621.37 121,180.36 152,628.63

BAND

2.70 1.37 2.28 2.96 3.66 2.73 2.98 3.33 2.94 1.87 1.94 2.53 2.20 4.23 4.47 9.19 8.85 5.04 14.13 20.60

CUM.

2.70 4.07 6.35 9.30 12.97 15.70 18.68 22.01 24.95 26.82 28.77 31.30 33.50 37.73 42.19 51.38 60.23 65.27 79.40 100.00

PERCENTAGE f

57 11 23 23 66 15 13 26 11 10 7 10 9 13 14 26 15 18 25 1 393

57 68 91 114 180 195 208 234 245 255 262 272 281 294 308 334 349 367 392 393

BAND

14.50 2.80 5.85 5.85 16.79 3.82 3.31 6.62 2.80 2.54 1.78 2.54 2.29 3.31 3.56 6.62 3.82 4.58 6.36 0.25

CUM.

14.50 17.30 23.16 29.01 45.80 49.62 52.93 59.54 62.34 64.89 66.67 69.21 71.50 74.81 78.37 84.99 88.80 93.38 99.75 100.00

PERCENTAGE rp

1,145.61 137.22 1,047.95 321.68 1,429.46 2,074.91 1,043.60 2,502.71 2,248.62 5,663.67 2,690.14 813.77 2,216.32 1,859.87 7,520.73 1,933.21 6,475.61 6,103.00 1,048.69 0.00

1,145.61 1,282.84 2,330.79 2,652.47 4,081.93 6,156.83 7,200.44 9,703.15 11,951.77 17,615.44 20,305.58 21,119.36 23,335.68 25,195.55 32,716.28 34,649.49 41,125.09 47,228.10 48,276.79 48,276.79

48,276.79

BAND

CUM.

2.37 2.37 0.28 2.66 2.17 4.83 0.67 5.49 2.96 8.46 4.30 12.75 2.16 14.91 5.18 20.10 4.66 24.76 11.73 36.49 5.57 42.06 1.69 43.75 4.59 48.34 3.85 52.19 15.58 67.77 4.00 71.77 13.41 85.19 12.64 97.83 2.17 100.00 0.00 100.00

PERCENTAGE BAND

CUM

27.79 6.57 30.15 7.13 25.56 49.77 22.93 49.22 50.07 198.32 90.78 21.05 66.14 28.81 110.31 13.79 47.93 79.32 4.86 0.00

27.79 20.65 24.06 18.68 20.63 25.70 25.25 28.88 31.38 43.03 46.25 44.21 45.65 43.76 50.80 44.19 44.74 47.41 39.84 31.63 31.63

Page 32 of 180

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

15/12/2004

15/02/2005

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

8.519 6.226 3.161 968 714 223 149 84 48 19 17 24 11 10 4 9 9 4 1 0 20.200

8.519 14.745 17.906 18.874 19.588 19.811 19.960 20.044 20.092 20.111 20.128 20.152 20.163 20.173 20.177 20.186 20.195 20.199 20.200 20.200

BAND

CUM.

42.17 42.17 30.82 73.00 15.65 88.64 4.79 93.44 3.53 96.97 1.10 98.07 0.74 98.81 0.42 99.23 0.24 99.47 0.09 99.56 0.08 99.64 0.12 99.76 0.05 99.82 0.05 99.87 0.02 99.89 0.04 99.93 0.04 99.98 0.02 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

4,684.69 3,091.59 3,275.59 1,732.71 2,009.20 888.73 822.06 534.15 349.48 194.18 294.71 379.52 276.94 282.79 146.76 225.16 538.65 741.67 256.00 0.00 20,724.58

4,684.69 7,776.28 11,051.87 12,784.58 14,793.78 15,682.51 16,504.57 17,038.71 17,388.20 17,582.38 17,877.10 18,256.62 18,533.55 18,816.35 18,963.11 19,188.27 19,726.92 20,468.58 20,724.58 20,724.58

BAND

22.60 14.92 15.81 8.36 9.69 4.29 3.97 2.58 1.69 0.94 1.42 1.83 1.34 1.36 0.71 1.09 2.60 3.58 1.24 0.00

CUM.

22.60 37.52 53.33 61.69 71.38 75.67 79.64 82.21 83.90 84.84 86.26 88.09 89.43 90.79 91.50 92.59 95.19 98.76 100.00 100.00

PERCENTAGE f

68 42 21 11 4 3 0 1 3 1 1 0 1 6 0 0 0 1 1 0 164

BAND

CUM.

68 41.46 41.46 110 25.61 67.07 131 12.80 79.88 142 6.71 86.59 146 2.44 89.02 149 1.83 90.85 149 0.00 90.85 150 0.61 91.46 153 1.83 93.29 154 0.61 93.90 155 0.61 94.51 155 0.00 94.51 156 0.61 95.12 162 3.66 98.78 162 0.00 98.78 162 0.00 98.78 162 0.00 98.78 163 0.61 99.39 164 0.61 100.00 164 0.00 100.00

PERCENTAGE rp

3,005.78 3,005.78 2,411.08 5,416.87 1,434.50 6,851.37 1,299.03 8,150.40 399.03 8,549.43 1,085.52 9,634.95 0.00 9,634.95 0.44 9,635.39 236.26 9,871.65 166.72 10,038.37 32.38 10,070.75 0.00 10,070.75 41.56 10,112.31 810.59 10,922.90 0.00 10,922.90 0.00 10,922.90 0.00 10,922.90 30.06 10,952.96 76.25 11,029.21 0.00 11,029.21 11,029.21

BAND

PERCENTAGE

CUM.

BAND

27.25 27.25 21.86 49.11 13.01 62.12 11.78 73.90 3.62 77.52 9.84 87.36 0.00 87.36 0.00 87.36 2.14 89.50 1.51 91.02 0.29 91.31 0.00 91.31 0.38 91.69 7.35 99.04 0.00 99.04 0.00 99.04 0.00 99.04 0.27 99.31 0.69 100.00 0.00 100.00

64.16 77.99 43.79 74.97 19.86 122.14 0.00 0.08 67.60 85.86 10.99 0.00 15.01 286.64 0.00 0.00 0.00 4.05 29.78 0.00

CUM

64.16 69.66 61.99 63.75 57.79 61.44 58.38 56.55 56.77 57.09 56.33 55.16 54.56 58.05 57.60 56.92 55.37 53.51 53.22 53.22 53.22

Page 33 of 180

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

15/12/2004

15/02/2005

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

992 504 386 177 187 81 51 33 18 8 3 9 2 5 2 7 3 1 0 1 2.470

992 1.496 1.882 2.059 2.246 2.327 2.378 2.411 2.429 2.437 2.440 2.449 2.451 2.456 2.458 2.465 2.468 2.469 2.469 2.470

BAND

CUM.

40.16 40.16 20.40 60.57 15.63 76.19 7.17 83.36 7.57 90.93 3.28 94.21 2.06 96.28 1.34 97.61 0.73 98.34 0.32 98.66 0.12 98.79 0.36 99.15 0.08 99.23 0.20 99.43 0.08 99.51 0.28 99.80 0.12 99.92 0.04 99.96 0.00 99.96 0.04 100.00

PERCENTAGE rp

207.26 246.93 366.53 300.70 563.24 353.61 301.42 206.97 175.79 53.29 128.59 325.39 79.61 188.41 276.09 832.05 380.67 253.71 0.00 23.81 5,264.06

207.26 454.19 820.72 1,121.42 1,684.65 2,038.27 2,339.69 2,546.66 2,722.45 2,775.74 2,904.33 3,229.72 3,309.32 3,497.73 3,773.82 4,605.87 4,986.54 5,240.25 5,240.25 5,264.06

BAND

3.94 4.69 6.96 5.71 10.70 6.72 5.73 3.93 3.34 1.01 2.44 6.18 1.51 3.58 5.24 15.81 7.23 4.82 0.00 0.45

CUM.

3.94 8.63 15.59 21.30 32.00 38.72 44.45 48.38 51.72 52.73 55.17 61.35 62.87 66.45 71.69 87.50 94.73 99.55 99.55 100.00

PERCENTAGE f

3 4 1 0 2 0 0 0 1 0 1 1 0 0 0 0 0 0 0 0 13

BAND

CUM.

PERCENTAGE rp

3 23.08 23.08 108.06 108.06 7 30.77 53.85 173.97 282.03 8 7.69 61.54 12.00 294.03 8 0.00 61.54 0.00 294.03 10 15.38 76.92 22.45 316.48 10 0.00 76.92 0.00 316.48 10 0.00 76.92 0.00 316.48 10 0.00 76.92 0.00 316.48 11 7.69 84.62 0.00 316.48 11 0.00 84.62 0.00 316.48 12 7.69 92.31 8.91 325.39 13 7.69 100.00 1,841.09 2,166.48 13 0.00 100.00 0.00 2,166.48 13 0.00 100.00 0.00 2,166.48 13 0.00 100.00 0.00 2,166.48 13 0.00 100.00 0.00 2,166.48 13 0.00 100.00 0.00 2,166.48 13 0.00 100.00 0.00 2,166.48 13 0.00 100.00 0.00 2,166.48 13 0.00 100.00 0.00 2,166.48 2,166.48

BAND

4.99 8.03 0.55 0.00 1.04 0.00 0.00 0.00 0.00 0.00 0.41 84.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

4.99 13.02 13.57 13.57 14.61 14.61 14.61 14.61 14.61 14.61 15.02 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

52.14 70.45 3.27 0.00 3.99 0.00 0.00 0.00 0.00 0.00 6.93 565.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

52.14 62.10 35.83 26.22 18.79 15.53 13.53 12.43 11.62 11.40 11.20 67.08 65.47 61.94 57.41 47.04 43.45 41.34 41.34 41.16 41.16

Page 34 of 180

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

15/12/2004

15/02/2005

KALIMANTAN 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

2.826 1.275 1 448 479 194 144 107 53 39 27 21 10 13 17 13 17 10 9 2 6.720

2.826 4.101 5.117 5.565 6.044 6.238 6.382 6.489 6.542 6.581 6.608 6.629 6.639 6.652 6.669 6.682 6.699 6.709 6.718 6.720

BAND

CUM.

42.05 18.97 15.12 6.67 7.13 2.89 2.14 1.59 0.79 0.58 0.40 0.31 0.15 0.19 0.25 0.19 0.25 0.15 0.13 0.03

42.05 61.03 76.15 82.81 89.94 92.83 94.97 96.56 97.35 97.93 98.33 98.65 98.79 98.99 99.24 99.43 99.69 99.84 99.97 100.00

PERCENTAGE rp

727.00 727.00 341.69 1,068.69 639.20 1,707.90 528.73 2,236.62 797.54 3,034.16 557.40 3,591.56 556.00 4,147.56 526.55 4,674.12 391.78 5,065.90 275.60 5,341.50 192.41 5,533.91 257.23 5,791.14 350.62 6,141.76 189.89 6,331.65 393.13 6,724.78 525.22 7,250.00 1,303.76 8,553.76 1,455.71 10,009.47 1,620.23 11,629.71 973.05 12,602.75 12,602.75

BAND

5.77 2.71 5.07 4.20 6.33 4.42 4.41 4.18 3.11 2.19 1.53 2.04 2.78 1.51 3.12 4.17 10.35 11.55 12.86 7.72

CUM.

5.77 8.48 13.55 17.75 24.08 28.50 32.91 37.09 40.20 42.38 43.91 45.95 48.73 50.24 53.36 57.53 67.87 79.42 92.28 100.00

PERCENTAGE f

5 1 3 2 1 4 1 1 2 1 2 2 25

BAND

CUM.

5 6 9 11 12 16 17 18 20 21 21 21 21 21 21 21 23 23 25 25

20.00 20.00 4.00 24.00 12.00 36.00 8.00 44.00 4.00 48.00 16.00 64.00 4.00 68.00 4.00 72.00 8.00 80.00 4.00 84.00 0.00 84.00 0.00 84.00 0.00 84.00 0.00 84.00 0.00 84.00 0.00 84.00 8.00 92.00 0.00 92.00 8.00 100.00 0.00 100.00

PERCENTAGE rp

79.83 49.75 71.14 180.09 175.35 658.25 170.94 1,106.07 238.08 2.37 0.00 0.00 0.00 0.00 0.00 0.00 10.00 0.00 480.37 0.00

79.83 129.58 200.73 380.81 556.17 1,214.41 1,385.35 2,491.42 2,729.51 2,731.88 2,731.88 2,731.88 2,731.88 2,731.88 2,731.88 2,731.88 2,741.88 2,741.88 3,222.25 3,222.25

3,222.25

BAND

CUM.

2.48 2.48 1.54 4.02 2.21 6.23 5.59 11.82 5.44 17.26 20.43 37.69 5.30 42.99 34.33 77.32 7.39 84.71 0.07 84.78 0.00 84.78 0.00 84.78 0.00 84.78 0.00 84.78 0.00 84.78 0.00 84.78 0.31 85.09 0.00 85.09 14.91 100.00 0.00 100.00

PERCENTAGE BAND

10.98 14.56 11.13 34.06 21.99 118.09 30.74 210.06 60.77 0.86 0.00 0.00 0.00 0.00 0.00 0.00 0.77 0.00 29.65 0.00

CUM

10.98 12.13 11.75 17.03 18.33 33.81 33.40 53.30 53.88 51.14 49.37 47.17 44.48 43.15 40.62 37.68 32.05 27.39 27.71 25.57 25.57

Page 35 of 180

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

15/12/2004

15/02/2005

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

2.661 2.423 2.432 1.116 1.005 403.000 287.000 186.000 87.000 37.000 44.000 45.000 27.000 40.000 23.000 48.000 42.000 20.000 12.000 8.000 10.946

2.661 5.084 7.516 8.632 9.637 10.040 10.327 10.513 10.600 10.637 10.681 10.726 10.753 10.793 10.816 10.864 10.906 10.926 10.938 10.946

BAND

CUM.

24.31 24.31 22.14 46.45 22.22 68.66 10.20 78.86 9.18 88.04 3.68 91.72 2.62 94.34 1.70 96.04 0.79 96.84 0.34 97.18 0.40 97.58 0.41 97.99 0.25 98.24 0.37 98.60 0.21 98.81 0.44 99.25 0.38 99.63 0.18 99.82 0.11 99.93 0.07 100.00

PERCENTAGE rp

506.67 696.67 1,546.01 1,245.73 1,836.08 1,143.25 1,003.29 785.79 513.66 321.84 281.30 311.00 381.97 585.53 501.83 1,203.67 2,116.46 1,171.23 3,602.50 6,428.95 26,183.43

506.67 1,203.35 2,749.35 3,995.08 5,831.17 6,974.41 7,977.71 8,763.49 9,277.16 9,598.99 9,880.30 10,191.30 10,573.27 11,158.80 11,660.62 12,864.29 14,980.75 16,151.98 19,754.48 26,183.43

BAND

1.94 2.66 5.90 4.76 7.01 4.37 3.83 3.00 1.96 1.23 1.07 1.19 1.46 2.24 1.92 4.60 8.08 4.47 13.76 24.55

CUM.

1.94 4.60 10.50 15.26 22.27 26.64 30.47 33.47 35.43 36.66 37.73 38.92 40.38 42.62 44.53 49.13 57.21 61.69 75.45 100.00

PERCENTAGE f

12 9 4 5 1 1 2 1 2 0 0 0 1 0 0 1 3 0 3 0 45

BAND

CUM.

PERCENTAGE rp

12 26.67 26.67 256.42 256.42 21 20.00 46.67 437.13 693.55 25 8.89 55.56 318.71 1,012.25 30 11.11 66.67 364.79 1,377.05 31 2.22 68.89 308.24 1,685.28 32 2.22 71.11 633.54 2,318.83 34 4.44 75.56 88.45 2,407.27 35 2.22 77.78 3.50 2,410.77 37 4.44 82.22 1,855.70 4,266.47 37 0.00 82.22 0.00 4,266.47 37 0.00 82.22 0.00 4,266.47 37 0.00 82.22 0.00 4,266.47 38 2.22 84.44 0.00 4,266.47 38 0.00 84.44 0.00 4,266.47 38 0.00 84.44 0.00 4,266.47 39 2.22 86.67 23.96 4,290.43 42 6.67 93.33 91.18 4,381.61 42 0.00 93.33 0.00 4,381.61 45 6.67 100.00 3,416.66 7,798.27 45 0.00 100.00 0.00 7,798.27 7,798.27

BAND

PERCENTAGE

CUM.

BAND

3.29 3.29 5.61 8.89 4.09 12.98 4.68 17.66 3.95 21.61 8.12 29.74 1.13 30.87 0.04 30.91 23.80 54.71 0.00 54.71 0.00 54.71 0.00 54.71 0.00 54.71 0.00 54.71 0.00 54.71 0.31 55.02 1.17 56.19 0.00 56.19 43.81 100.00 0.00 100.00

50.61 62.75 20.61 29.28 16.79 55.42 8.82 0.45 361.27 0.00 0.00 0.00 0.00 0.00 0.00 1.99 4.31 0.00 94.84 0.00

CUM

50.61 57.63 36.82 34.47 28.90 33.25 30.17 27.51 45.99 44.45 43.18 41.86 40.35 38.23 36.59 33.35 29.25 27.13 39.48 29.78 29.78

Page 36 of 180

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

15/12/2004

15/02/2005

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

2.238 1.373 1.101 557 579 268 208 127 69 36 19 21 22 18 11 13 6 1 9 0 6.676

2.238 3.611 4.712 5.269 5.848 6.116 6.324 6.451 6.520 6.556 6.575 6.596 6.618 6.636 6.647 6.660 6.666 6.667 6.676 6.676

BAND

CUM.

PERCENTAGE rp

33.52 33.52 285.16 20.57 54.09 1,432.69 16.49 70.58 550.61 8.34 78.92 522.03 8.67 87.60 871.36 4.01 91.61 627.39 3.12 94.73 718.56 1.90 96.63 521.97 1.03 97.66 530.78 0.54 98.20 275.53 0.28 98.49 191.90 0.31 98.80 163.76 0.33 99.13 285.22 0.27 99.40 304.32 0.16 99.57 161.77 0.19 99.76 343.12 0.09 99.85 367.82 0.01 99.87 22.06 0.13 100.00 1,512.58 0.00 100.00 0.00 9,688.63

285.16 1,717.85 2,268.46 2,790.49 3,661.85 4,289.24 5,007.80 5,529.77 6,060.55 6,336.08 6,527.98 6,691.74 6,976.96 7,281.28 7,443.05 7,786.17 8,153.99 8,176.05 9,688.63 9,688.63

BAND

2.94 14.79 5.68 5.39 8.99 6.48 7.42 5.39 5.48 2.84 1.98 1.69 2.94 3.14 1.67 3.54 3.80 0.23 15.61 0.00

CUM.

2.94 17.73 23.41 28.80 37.80 44.27 51.69 57.07 62.55 65.40 67.38 69.07 72.01 75.15 76.82 80.36 84.16 84.39 100.00 100.00

PERCENTAGE f

4 1 1 0 1 1 0 1 3 0 1 0 0 1 0 0 0 0 0 0 14

BAND

CUM.

PERCENTAGE rp

4 28.57 28.57 293.26 293.26 5 7.14 35.71 243.33 536.59 6 7.14 42.86 122.77 659.36 6 0.00 42.86 0.00 659.36 7 7.14 50.00 0.00 659.36 8 7.14 57.14 61.50 720.86 8 0.00 57.14 0.00 720.86 9 7.14 64.29 1,812.08 2,532.94 12 21.43 85.71 322.45 2,855.39 12 0.00 85.71 0.00 2,855.39 13 7.14 92.86 8.89 2,864.28 13 0.00 92.86 0.00 2,864.28 13 0.00 92.86 0.00 2,864.28 14 7.14 100.00 48.81 2,913.09 14 0.00 100.00 0.00 2,913.09 14 0.00 100.00 0.00 2,913.09 14 0.00 100.00 0.00 2,913.09 14 0.00 100.00 0.00 2,913.09 14 0.00 100.00 0.00 2,913.09 14 0.00 100.00 0.00 2,913.09 2,913.09

BAND

10.07 8.35 4.21 0.00 0.00 2.11 0.00 62.20 11.07 0.00 0.31 0.00 0.00 1.68 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

10.07 18.42 22.63 22.63 22.63 24.75 24.75 86.95 98.02 98.02 98.32 98.32 98.32 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

CUM

102.84 16.98 22.30 0.00 0.00 9.80 0.00 347.16 60.75 0.00 4.63 0.00 0.00 16.04 0.00 0.00 0.00 0.00 0.00 0.00

102.84 31.24 29.07 23.63 18.01 16.81 14.39 45.81 47.11 45.07 43.88 42.80 41.05 40.01 39.14 37.41 35.73 35.63 30.07 30.07 30.07

Page 37 of 180

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

15/12/2004

15/02/2005

SULAWESI 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

961 614 573 275 282 112 76 43 24 12 4 8 5 1 5 3 1.000 2.999

961 1.575 2.148 2.423 2.705 2.817 2.893 2.936 2.960 2.972 2.976 2.984 2.989 2.990 2.995 2.998 2.998 2.998 2.999 2.999

BAND

CUM.

32.04 32.04 20.47 52.52 19.11 71.62 9.17 80.79 9.40 90.20 3.73 93.93 2.53 96.47 1.43 97.90 0.80 98.70 0.40 99.10 0.13 99.23 0.27 99.50 0.17 99.67 0.03 99.70 0.17 99.87 0.10 99.97 0.00 99.97 0.00 99.97 0.03 100.00 0.00 100.00

PERCENTAGE rp

181.17 207.63 389.88 363.88 576.04 311.85 300.00 232.04 168.07 120.37 42.87 59.83 54.59 19.28 63.03 209.10 0.00 0.00 240.07 0.00 3,539.69

181.17 388.80 778.68 1,142.56 1,718.60 2,030.45 2,330.45 2,562.48 2,730.56 2,850.92 2,893.79 2,953.62 3,008.21 3,027.49 3,090.52 3,299.62 3,299.62 3,299.62 3,539.69 3,539.69

BAND

5.12 5.87 11.01 10.28 16.27 8.81 8.48 6.56 4.75 3.40 1.21 1.69 1.54 0.54 1.78 5.91 0.00 0.00 6.78 0.00

CUM.

5.12 10.98 22.00 32.28 48.55 57.36 65.84 72.39 77.14 80.54 81.75 83.44 84.99 85.53 87.31 93.22 93.22 93.22 100.00 100.00

PERCENTAGE f

1 3 1 2 1 2 10

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

1 4 5 5 7 7 7 7 7 7 8 8 10 10 10 10 10 10 10 10

10.00 30.00 10.00 0.00 20.00 0.00 0.00 0.00 0.00 0.00 10.00 0.00 20.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10.00 40.00 50.00 50.00 70.00 70.00 70.00 70.00 70.00 70.00 80.00 80.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

38.00 311.84 88.30 0.00 54.03 0.00 0.00 0.00 0.00 0.00 80.00 0.00 32.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00

38.00 349.84 438.14 438.14 492.17 492.17 492.17 492.17 492.17 492.17 572.17 572.17 604.58 604.58 604.58 604.58 604.58 604.58 604.58 604.58

6.29 51.58 14.61 0.00 8.94 0.00 0.00 0.00 0.00 0.00 13.23 0.00 5.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6.29 57.87 72.47 72.47 81.41 81.41 81.41 81.41 81.41 81.41 94.64 94.64 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

20.97 150.19 22.65 0.00 9.38 0.00 0.00 0.00 0.00 0.00 186.62 0.00 59.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00

604.58

CUM

20.97 89.98 56.27 38.35 28.64 24.24 21.12 19.21 18.02 17.26 19.77 19.37 20.10 19.97 19.56 18.32 18.32 18.32 17.08 17.08 17.08

Page 38 of 180

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

15/12/2004

15/02/2005

SULAWESI 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

3.474 2.030 1.749 796 654 298 229 142 82 55 39 51 30 35 21 24 22 10 2 7 9.750

3.474 5.504 7.253 8.049 8.703 9.001 9.230 9.372 9.454 9.509 9.548 9.599 9.629 9.664 9.685 9.709 9.731 9.741 9.743 9.750

BAND

CUM.

35.63 35.63 20.82 56.45 17.94 74.39 8.16 82.55 6.71 89.26 3.06 92.32 2.35 94.67 1.46 96.12 0.84 96.96 0.56 97.53 0.40 97.93 0.52 98.45 0.31 98.76 0.36 99.12 0.22 99.33 0.25 99.58 0.23 99.81 0.10 99.91 0.02 99.93 0.07 100.00

PERCENTAGE rp

410.88 547.41 1,092.96 781.92 1,080.82 708.21 736.05 600.65 450.65 384.55 326.17 564.07 336.74 635.82 203.51 677.38 1,139.06 1,111.17 471.21 2,643.41

410.88 958.29 2,051.24 2,833.16 3,913.98 4,622.19 5,358.24 5,958.89 6,409.54 6,794.09 7,120.26 7,684.33 8,021.07 8,656.90 8,860.41 9,537.79 10,676.85 11,788.02 12,259.23 14,902.64

14,902.64

BAND

2.76 3.67 7.33 5.25 7.25 4.75 4.94 4.03 3.02 2.58 2.19 3.79 2.26 4.27 1.37 4.55 7.64 7.46 3.16 17.74

CUM.

2.76 6.43 13.76 19.01 26.26 31.02 35.95 39.99 43.01 45.59 47.78 51.56 53.82 58.09 59.46 64.00 71.64 79.10 82.26 100.00

PERCENTAGE f

4 3 8 1 6 1 1 2 5 1 32

BAND

CUM.

4 7 15 16 22 23 23 23 23 23 23 24 24 24 24 26 31 32 32 32

12.50 12.50 9.38 21.88 25.00 46.88 3.13 50.00 18.75 68.75 3.13 71.88 0.00 71.88 0.00 71.88 0.00 71.88 0.00 71.88 0.00 71.88 3.13 75.00 0.00 75.00 0.00 75.00 0.00 75.00 6.25 81.25 15.63 96.88 3.13 100.00 0.00 100.00 0.00 100.00

PERCENTAGE

BAND

CUM.

BAND

68.77 257.92 630.90 128.13 1,122.40 286.48 0.00 0.00 0.00 0.00 0.00 889.72 0.00 0.00 0.00 117.79 55.53 0.00 0.00 0.00

68.77 326.69 957.59 1,085.73 2,208.12 2,494.61 2,494.61 2,494.61 2,494.61 2,494.61 2,494.61 3,384.33 3,384.33 3,384.33 3,384.33 3,502.12 3,557.65 3,557.65 3,557.65 3,557.65

1.93 7.25 17.73 3.60 31.55 8.05 0.00 0.00 0.00 0.00 0.00 25.01 0.00 0.00 0.00 3.31 1.56 0.00 0.00 0.00

1.93 9.18 26.92 30.52 62.07 70.12 70.12 70.12 70.12 70.12 70.12 95.13 95.13 95.13 95.13 98.44 100.00 100.00 100.00 100.00

16.74 47.12 57.72 16.39 103.85 40.45 0.00 0.00 0.00 0.00 0.00 157.73 0.00 0.00 0.00 17.39 4.88 0.00 0.00 0.00

3,557.65

CUM

16.74 34.09 46.68 38.32 56.42 53.97 46.56 41.86 38.92 36.72 35.04 44.04 42.19 39.09 38.20 36.72 33.32 30.18 29.02 23.87 23.87

Page 39 of 180

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

15/12/2004

15/02/2005

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

430 272 211 106 85 43 14 9 6 3 1 2 3 1 2 4 2 1.194

430 702 913 1 1.104 1.147 1.161 1.170 1.176 1.179 1.180 1.182 1.185 1.186 1.188 1.192 1.194 1.194 1.194 1.194

BAND

CUM.

36.01 22.78 17.67 8.88 7.12 3.60 1.17 0.75 0.50 0.25 0.08 0.17 0.25 0.08 0.17 0.34 0.17 0.00 0.00 0.00

36.01 58.79 76.47 85.34 92.46 96.06 97.24 97.99 98.49 98.74 98.83 98.99 99.25 99.33 99.50 99.83 100.00 100.00 100.00 100.00

PERCENTAGE rp

44.38 71.35 138.27 136.44 154.35 125.77 58.23 36.56 37.86 27.37 7.60 5.08 30.53 3.45 25.92 53.96 64.44 0.00 0.00 0.00 1,021.54

44.38 115.72 253.99 390.43 544.78 670.55 728.78 765.34 803.20 830.57 838.17 843.25 873.78 877.23 903.15 957.11 1,021.54 1,021.54 1,021.54 1,021.54

BAND

4.34 6.98 13.54 13.36 15.11 12.31 5.70 3.58 3.71 2.68 0.74 0.50 2.99 0.34 2.54 5.28 6.31 0.00 0.00 0.00

CUM.

4.34 11.33 24.86 38.22 53.33 65.64 71.34 74.92 78.63 81.30 82.05 82.55 85.53 85.87 88.41 93.69 100.00 100.00 100.00 100.00

PERCENTAGE f

1 1 2 4

1 2 2 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4

BAND

CUM.

25.00 25.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

25.00 50.00 50.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

3.52 68.65 0.00 438.00 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 0.00 510.17

3.52 72.16 72.16 510.17 510.17 510.17 510.17 510.17 510.17 510.17 510.17 510.17 510.17 510.17 510.17 510.17 510.17 510.17 510.17 510.17

PERCENTAGE

BAND

CUM.

BAND

0.69 13.46 0.00 85.85 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

0.69 14.15 14.15 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

7.93 96.21 0.00 321.03 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

7.93 62.36 28.41 130.67 93.65 76.08 70.00 66.66 63.52 61.42 60.87 60.50 58.39 58.16 56.49 53.30 49.94 49.94 49.94 49.94 49.94

Page 40 of 180

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

15/12/2004

15/02/2005

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

1.772 1.381 1.409 839 887 471 337 323 133 82 80 76 36 57 41 44 34 15 27 8 8.052

1.772 3.153 4.562 5.401 6.288 6.759 7.096 7.419 7.552 7.634 7.714 7.790 7.826 7.883 7.924 7.968 8.002 8.017 8.044 8.052

BAND

CUM.

22.01 22.01 17.15 39.16 17.50 56.66 10.42 67.08 11.02 78.09 5.85 83.94 4.19 88.13 4.01 92.14 1.65 93.79 1.02 94.81 0.99 95.80 0.94 96.75 0.45 97.19 0.71 97.90 0.51 98.41 0.55 98.96 0.42 99.38 0.19 99.57 0.34 99.90 0.10 100.00

PERCENTAGE rp

287.38 320.21 622.65 628.24 1,138.12 801.53 790.99 1,116.22 614.74 436.46 491.70 578.52 401.34 608.51 477.68 689.49 1,037.31 982.19 3,255.05 1,824.40

287.38 607.59 1,230.24 1,858.48 2,996.59 3,798.12 4,589.12 5,705.34 6,320.08 6,756.54 7,248.23 7,826.76 8,228.10 8,836.62 9,314.30 10,003.78 11,041.09 12,023.28 15,278.33 17,102.73

17,102.73

BAND

1.68 1.87 3.64 3.67 6.65 4.69 4.62 6.53 3.59 2.55 2.87 3.38 2.35 3.56 2.79 4.03 6.07 5.74 19.03 10.67

CUM.

1.68 3.55 7.19 10.87 17.52 22.21 26.83 33.36 36.95 39.51 42.38 45.76 48.11 51.67 54.46 58.49 64.56 70.30 89.33 100.00

PERCENTAGE f

3 2 2 5 2 3 3 2 2 2 3 2 7 8 1 47

3 3 5 7 12 14 17 20 20 20 22 24 24 26 29 31 38 46 47 47

BAND

CUM.

6.38 6.38 0.00 6.38 4.26 10.64 4.26 14.89 10.64 25.53 4.26 29.79 6.38 36.17 6.38 42.55 0.00 42.55 0.00 42.55 4.26 46.81 4.26 51.06 0.00 51.06 4.26 55.32 6.38 61.70 4.26 65.96 14.89 80.85 17.02 97.87 2.13 100.00 0.00 100.00

PERCENTAGE rp

1,411.08 0.00 18.59 0.00 81.41 0.00 8.13 1,055.87 0.00 0.00 8.40 101.82 0.00 322.13 55.57 42.79 67.99 5,498.15 24.94 0.00

1,411.08 1,411.08 1,429.67 1,429.67 1,511.08 1,511.08 1,519.21 2,575.08 2,575.08 2,575.08 2,583.48 2,685.30 2,685.30 3,007.44 3,063.00 3,105.79 3,173.78 8,671.93 8,696.87 8,696.87

8,696.87

BAND

PERCENTAGE

CUM.

16.23 16.23 0.00 16.23 0.21 16.44 0.00 16.44 0.94 17.38 0.00 17.38 0.09 17.47 12.14 29.61 0.00 29.61 0.00 29.61 0.10 29.71 1.17 30.88 0.00 30.88 3.70 34.58 0.64 35.22 0.49 35.71 0.78 36.49 63.22 99.71 0.29 100.00 0.00 100.00

BAND

CUM

491.01 0.00 2.99 0.00 7.15 0.00 1.03 94.59 0.00 0.00 1.71 17.60 0.00 52.94 11.63 6.21 6.55 559.79 0.77 0.00

491.01 232.24 116.21 76.93 50.43 39.78 33.10 45.13 40.74 38.11 35.64 34.31 32.64 34.03 32.88 31.05 28.75 72.13 56.92 50.85 50.85

Page 41 of 180

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

15/12/2004

15/02/2005

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

574 293 242 113 132 73 40 37 15 14 8 10 7 13 3 6 6 1 2 1.589

574 867 1.109 1.222 1.354 1.427 1.467 1.504 1.519 1.533 1.541 1.551 1.558 1.571 1.574 1.580 1.586 1.587 1.589 1.589

BAND

CUM.

36.12 36.12 18.44 54.56 15.23 69.79 7.11 76.90 8.31 85.21 4.59 89.80 2.52 92.32 2.33 94.65 0.94 95.59 0.88 96.48 0.50 96.98 0.63 97.61 0.44 98.05 0.82 98.87 0.19 99.06 0.38 99.43 0.38 99.81 0.06 99.87 0.13 100.00 0.00 100.00

PERCENTAGE rp

64.31 108.14 172.17 150.82 252.16 255.33 168.61 142.13 106.70 79.64 45.26 75.32 62.62 120.89 29.04 119.67 274.84 100.77 414.78 0.00 2,743.20

64.31 172.45 344.62 495.43 747.60 1,002.93 1,171.54 1,313.67 1,420.38 1,500.02 1,545.28 1,620.60 1,683.23 1,804.12 1,833.16 1,952.82 2,227.66 2,328.42 2,743.20 2,743.20

BAND

2.34 3.94 6.28 5.50 9.19 9.31 6.15 5.18 3.89 2.90 1.65 2.75 2.28 4.41 1.06 4.36 10.02 3.67 15.12 0.00

CUM.

2.34 6.29 12.56 18.06 27.25 36.56 42.71 47.89 51.78 54.68 56.33 59.08 61.36 65.77 66.83 71.19 81.21 84.88 100.00 100.00

PERCENTAGE f

1 6 2 5 1 4 5 1 25

1 1 7 7 9 14 14 15 15 15 15 15 15 15 19 24 25 25 25 25

BAND

CUM.

4.00 0.00 24.00 0.00 8.00 20.00 0.00 4.00 0.00 0.00 0.00 0.00 0.00 0.00 16.00 20.00 4.00 0.00 0.00 0.00

4.00 4.00 28.00 28.00 36.00 56.00 56.00 60.00 60.00 60.00 60.00 60.00 60.00 60.00 76.00 96.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

1.00 0.00 424.20 0.00 3.04 700.92 0.00 627.83 0.00 0.00 0.00 0.00 0.00 0.00 15.95 189.01 31.95 0.00 0.00 0.00 1,993.89

PERCENTAGE

BAND

CUM.

BAND

1.00 1.00 425.20 425.20 428.24 1,129.16 1,129.16 1,756.99 1,756.99 1,756.99 1,756.99 1,756.99 1,756.99 1,756.99 1,772.93 1,961.94 1,993.89 1,993.89 1,993.89 1,993.89

0.05 0.00 21.28 0.00 0.15 35.15 0.00 31.49 0.00 0.00 0.00 0.00 0.00 0.00 0.80 9.48 1.60 0.00 0.00 0.00

0.05 0.05 21.33 21.33 21.48 56.63 56.63 88.12 88.12 88.12 88.12 88.12 88.12 88.12 88.92 98.40 100.00 100.00 100.00 100.00

1.56 0.00 246.39 0.00 1.20 274.51 0.00 441.72 0.00 0.00 0.00 0.00 0.00 0.00 54.91 157.94 11.63 0.00 0.00 0.00

CUM

1.56 0.58 123.38 85.82 57.28 112.59 96.38 133.75 123.70 117.13 113.70 108.42 104.38 97.39 96.71 100.47 89.51 85.63 72.68 72.68 72.68

Page 42 of 180

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

15/12/2004

15/02/2005

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

395 308 296 177 168 68 47 26 16 8 7 4 2 3 1 5 1 1.532

395 703 999 1.176 1.344 1.412 1.459 1.485 1.501 1.509 1.516 1.520 1.522 1.525 1.525 1.526 1.531 1.532 1.532 1.532

BAND

CUM.

25.78 25.78 20.10 45.89 19.32 65.21 11.55 76.76 10.97 87.73 4.44 92.17 3.07 95.23 1.70 96.93 1.04 97.98 0.52 98.50 0.46 98.96 0.26 99.22 0.13 99.35 0.20 99.54 0.00 99.54 0.07 99.61 0.33 99.93 0.07 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

56.54 118.60 252.16 263.09 380.53 232.25 224.58 155.07 100.29 63.87 52.63 13.53 19.75 44.72 0.00 45.84 86.94 74.00 0.00 0.00 2,184.40

56.54 175.15 427.31 690.39 1,070.92 1,303.18 1,527.76 1,682.83 1,783.12 1,846.99 1,899.61 1,913.14 1,932.89 1,977.62 1,977.62 2,023.46 2,110.40 2,184.40 2,184.40 2,184.40

BAND

2.59 5.43 11.54 12.04 17.42 10.63 10.28 7.10 4.59 2.92 2.41 0.62 0.90 2.05 0.00 2.10 3.98 3.39 0.00 0.00

CUM.

2.59 8.02 19.56 31.61 49.03 59.66 69.94 77.04 81.63 84.55 86.96 87.58 88.49 90.53 90.53 92.63 96.61 100.00 100.00 100.00

PERCENTAGE f

2 1 1 4

BAND

CUM.

2 50.00 50.00 3 25.00 75.00 3 0.00 75.00 3 0.00 75.00 3 0.00 75.00 3 0.00 75.00 3 0.00 75.00 4 25.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00

PERCENTAGE rp

28.47 6.17 0.00 0.00 0.00 0.00 0.00 122.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 156.64

28.47 34.64 34.64 34.64 34.64 34.64 34.64 156.64 156.64 156.64 156.64 156.64 156.64 156.64 156.64 156.64 156.64 156.64 156.64 156.64

BAND

CUM.

18.18 3.94 0.00 0.00 0.00 0.00 0.00 77.89 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18.18 22.11 22.11 22.11 22.11 22.11 22.11 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

50.35 5.20 0.00 0.00 0.00 0.00 0.00 78.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

50.35 19.78 8.11 5.02 3.23 2.66 2.27 9.31 8.78 8.48 8.25 8.19 8.10 7.92 7.92 7.74 7.42 7.17 7.17 7.17 7.17

Page 43 of 180

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

15/12/2004

15/02/2005

MALUKU

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

148 119 104 68 80 52 39 22 18 3 5 3 3 8 6 3 12 1 1 695

148 267 371 439 519 571 610 632 650 653 658 661 664 672 678 681 693 693 694 695

BAND

CUM.

21.29 21.29 17.12 38.42 14.96 53.38 9.78 63.17 11.51 74.68 7.48 82.16 5.61 87.77 3.17 90.94 2.59 93.53 0.43 93.96 0.72 94.68 0.43 95.11 0.43 95.54 1.15 96.69 0.86 97.55 0.43 97.99 1.73 99.71 0.00 99.71 0.14 99.86 0.14 100.00

PERCENTAGE rp

17.81 38.88 76.87 91.00 201.40 175.04 156.24 114.97 118.94 33.19 34.75 10.59 50.55 95.33 118.96 195.09 627.42 0.00 1,809.31 722.67

17.81 56.70 133.57 224.57 425.96 601.00 757.24 872.21 991.15 1,024.34 1,059.10 1,069.69 1,120.23 1,215.57 1,334.53 1,529.62 2,157.05 2,157.05 3,966.35 4,689.02

4,689.02

BAND

0.38 0.83 1.64 1.94 4.30 3.73 3.33 2.45 2.54 0.71 0.74 0.23 1.08 2.03 2.54 4.16 13.38 0.00 38.59 15.41

CUM.

0.38 1.21 2.85 4.79 9.08 12.82 16.15 18.60 21.14 21.85 22.59 22.81 23.89 25.92 28.46 32.62 46.00 46.00 84.59 100.00

PERCENTAGE f

1 1 2 4

1 1 1 2 2 2 2 2 2 2 2 2 2 2 2 4 4 4 4

BAND

CUM.

0.00 25.00 0.00 0.00 25.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00

0.00 25.00 25.00 25.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 64.00 0.00 0.00 55.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 53.93 0.00 0.00 0.00 173.34

PERCENTAGE

BAND

CUM.

BAND

CUM

0.00 64.00 64.00 64.00 119.41 119.41 119.41 119.41 119.41 119.41 119.41 119.41 119.41 119.41 119.41 119.41 173.34 173.34 173.34 173.34

0.00 36.92 0.00 0.00 31.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 31.11 0.00 0.00 0.00

0.00 36.92 36.92 36.92 68.89 68.89 68.89 68.89 68.89 68.89 68.89 68.89 68.89 68.89 68.89 68.89 100.00 100.00 100.00 100.00

0.00 164.60 0.00 0.00 27.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.60 0.00 0.00 0.00

0.00 112.89 47.92 28.50 28.03 19.87 15.77 13.69 12.05 11.66 11.27 11.16 10.66 9.82 8.95 7.81 8.04 8.04 4.37 3.70 3.70

Page 44 of 180

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

15/12/2004

15/02/2005

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

362 273 320 190 210 72 51 48 23 14 10 11 5 6 3 4 11 4 1.617

362 635 955 1.145 1.355 1.427 1.478 1.526 1.549 1.563 1.573 1.584 1.589 1.595 1.598 1.602 1.613 1.613 1.617 1.617

BAND

CUM.

22.39 22.39 16.88 39.27 19.79 59.06 11.75 70.81 12.99 83.80 4.45 88.25 3.15 91.40 2.97 94.37 1.42 95.79 0.87 96.66 0.62 97.28 0.68 97.96 0.31 98.27 0.37 98.64 0.19 98.82 0.25 99.07 0.68 99.75 0.00 99.75 0.25 100.00 0.00 100.00

PERCENTAGE rp

51.58 98.51 264.83 266.48 470.92 248.19 188.72 349.35 153.04 113.62 82.22 122.65 39.89 82.54 10.02 64.93 855.89 0.00 1,316.03 0.00

51.58 150.08 414.91 681.39 1,152.31 1,400.51 1,589.22 1,938.57 2,091.61 2,205.23 2,287.44 2,410.10 2,449.99 2,532.53 2,542.55 2,607.48 3,463.38 3,463.38 4,779.41 4,779.41

4,779.41

BAND

1.08 2.06 5.54 5.58 9.85 5.19 3.95 7.31 3.20 2.38 1.72 2.57 0.83 1.73 0.21 1.36 17.91 0.00 27.54 0.00

CUM.

1.08 3.14 8.68 14.26 24.11 29.30 33.25 40.56 43.76 46.14 47.86 50.43 51.26 52.99 53.20 54.56 72.46 72.46 100.00 100.00

PERCENTAGE f

1 2 1 3 1 1 2 1 12

PERCENTAGE

BAND

CUM.

1 3 3 4 7 7 7 7 7 7 7 7 7 8 8 9 11 11 12 12

8.33 16.67 0.00 8.33 25.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.33 0.00 8.33 16.67 0.00 8.33 0.00

8.33 25.00 25.00 33.33 58.33 58.33 58.33 58.33 58.33 58.33 58.33 58.33 58.33 66.67 66.67 75.00 91.67 91.67 100.00 100.00

40.50 51.47 0.00 255.55 229.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.21 0.00 99.95 4.93 0.00 9.87 0.00

40.50 91.97 91.97 347.51 576.92 576.92 576.92 576.92 576.92 576.92 576.92 576.92 576.92 593.13 593.13 693.08 698.00 698.00 707.87 707.87

707.87

BAND

CUM.

5.72 5.72 7.27 12.99 0.00 12.99 36.10 49.09 32.41 81.50 0.00 81.50 0.00 81.50 0.00 81.50 0.00 81.50 0.00 81.50 0.00 81.50 0.00 81.50 0.00 81.50 2.29 83.79 0.00 83.79 14.12 97.91 0.70 98.61 0.00 98.61 1.39 100.00 0.00 100.00

PERCENTAGE BAND

78.53 52.25 0.00 95.90 48.71 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19.63 0.00 153.93 0.58 0.00 0.75 0.00

CUM

78.53 61.28 22.17 51.00 50.07 41.19 36.30 29.76 27.58 26.16 25.22 23.94 23.55 23.42 23.33 26.58 20.15 20.15 14.81 14.81 14.81

Page 45 of 180

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

TO PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

DATE

CLAIM SEVERITY ( In Million Rp)

01/01/2002

15/12/2004

15/02/2005

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

87.081 78.549 88.962 47.663 46.567 21.578 15.977 11.717 6.396 3.495 2.837 3.267 2.271 2.842 1.815 2.810 2.465 1.040 1.017 403

87.081 165.630 254.592 302.255 348.822 370.400 386.377 398.094 404.490 407.985 410.822 414.089 416.360 419.202 421.017 423.827 426.292 427.332 428.349 428.752

BAND

CUM.

20.31 20.31 18.32 38.63 20.75 59.38 11.12 70.50 10.86 81.36 5.03 86.39 3.73 90.12 2.73 92.85 1.49 94.34 0.82 95.16 0.66 95.82 0.76 96.58 0.53 97.11 0.66 97.77 0.42 98.20 0.66 98.85 0.57 99.43 0.24 99.67 0.24 99.91 0.09 100.00

PERCENTAGE rp

42,852.90 19,279.50 38,303.42 33,516.56 53,049.91 35,685.73 39,908.76 38,906.13 29,036.41 19,313.33 18,064.46 24,443.76 22,778.62 36,793.18 27,230.95 64,084.73 93,450.70 79,495.22 155,137.39 105,411.25

42,852.90 62,132.40 100,435.81 133,952.37 187,002.28 222,688.01 262,596.76 301,502.89 330,539.30 349,852.64 367,917.10 392,360.86 415,139.48 451,932.66 479,163.61 543,248.34 636,699.04 716,194.27 871,331.66 976,742.90

BAND

4.39 1.97 3.92 3.43 5.43 3.65 4.09 3.98 2.97 1.98 1.85 2.50 2.33 3.77 2.79 6.56 9.57 8.14 15.88 10.79

CUM.

4.39 6.36 10.28 13.71 19.15 22.80 26.88 30.87 33.84 35.82 37.67 40.17 42.50 46.27 49.06 55.62 65.19 73.32 89.21 100.00

PERCENTAGE f

257 170 204 148 173 99 94 74 70 51 56 55 31 87 66 147 152 117 156 67

257 427 631 779 952 1.051 1.145 1.219 1.289 1.340 1.396 1.451 1.482 1.569 1.635 1.782 1.934 2.051 2.207 2.274

TOTAL 428.752 976,742.90 2.274 Catatan / Note : Data belum termasuk Klaim Fire yang tidak ada Polisnya Rp.147.668.579.938,43 - Freq. Klaim 1,170 dan Klaim Flood Rp. 319.816.518,00,- freq. Klaim 11

BAND

CUM.

11.30 11.30 7.48 18.78 8.97 27.75 6.51 34.26 7.61 41.86 4.35 46.22 4.13 50.35 3.25 53.61 3.08 56.68 2.24 58.93 2.46 61.39 2.42 63.81 1.36 65.17 3.83 69.00 2.90 71.90 6.46 78.36 6.68 85.05 5.15 90.19 6.86 97.05 2.95 100.00

PERCENTAGE rp

29,165.67 12,780.01 12,813.30 12,728.46 31,220.46 14,776.69 16,015.54 11,991.19 15,293.69 8,987.59 31,604.78 14,614.38 9,160.51 34,641.72 4,170.95 51,140.89 36,401.57 24,271.97 44,078.39 15,062.72 430,920.47

29,165.67 41,945.68 54,758.98 67,487.44 98,707.90 113,484.59 129,500.14 141,491.32 156,785.01 165,772.60 197,377.38 211,991.75 221,152.26 255,793.98 259,964.93 311,105.82 347,507.39 371,779.36 415,857.75 430,920.47

BAND

CUM.

PERCENTAGE BAND

6.77 6.77 68.06 2.97 9.73 66.29 2.97 12.71 33.45 2.95 15.66 37.98 7.25 22.91 58.85 3.43 26.34 41.41 3.72 30.05 40.13 2.78 32.83 30.82 3.55 36.38 52.67 2.09 38.47 46.54 7.33 45.80 174.96 3.39 49.20 59.79 2.13 51.32 40.22 8.04 59.36 94.15 0.97 60.33 15.32 11.87 72.20 79.80 8.45 80.64 38.95 5.63 86.28 30.53 10.23 96.50 28.41 3.50 100.00 14.29

CUM

68.06 67.51 54.52 50.38 52.78 50.96 49.32 46.93 47.43 47.38 53.65 54.03 53.27 56.60 54.25 57.27 54.58 51.91 47.73 44.12 44.12

( Data not Include Claim Fire no Policy Rp.147.668.579.938,43 - Freq Claim 1,170 and Claim Flood Rp. 319.816.518,00,- Freq. Claim 11 )

Page 46 of 180

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 TO PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

01/01/2002

15/12/2004

15/02/2005

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)

DATE

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

83.460 77.144 86.541 45.501 43.737 19.719 14.290 9.889 5.200 2.692 2.146 2.360 1.520 1.797 993 1.397 917 334 266 104 400.007

83.460 160.604 247.145 292.646 336.383 356.102 370.392 380.281 385.481 388.173 390.319 392.679 394.199 395.996 396.989 398.386 399.303 399.637 399.903 400.007

BAND

CUM.

20.86 20.86 19.29 40.15 21.63 61.79 11.38 73.16 10.93 84.09 4.93 89.02 3.57 92.60 2.47 95.07 1.30 96.37 0.67 97.04 0.54 97.58 0.59 98.17 0.38 98.55 0.45 99.00 0.25 99.25 0.35 99.59 0.23 99.82 0.08 99.91 0.07 99.97 0.03 100.00

PERCENTAGE rp

26,425.19 18,501.17 36,581.64 31,877.86 49,094.09 32,632.92 35,422.04 34,474.37 24,697.69 15,717.35 15,106.78 19,190.23 17,100.41 25,381.27 17,903.25 40,032.67 43,327.96 31,270.76 50,946.99 38,066.19 603,750.83

26,425.19 44,926.36 81,508.00 113,385.86 162,479.94 195,112.87 230,534.90 265,009.27 289,706.96 305,424.31 320,531.09 339,721.32 356,821.73 382,203.00 400,106.25 440,138.93 483,466.89 514,737.65 565,684.64 603,750.83

BAND

4.38 3.06 6.06 5.28 8.13 5.41 5.87 5.71 4.09 2.60 2.50 3.18 2.83 4.20 2.97 6.63 7.18 5.18 8.44 6.30

CUM.

4.38 7.44 13.50 18.78 26.91 32.32 38.18 43.89 47.98 50.59 53.09 56.27 59.10 63.30 66.27 72.90 80.08 85.26 93.70 100.00

PERCENTAGE f

169 157 171 117 120 68 71 56 55 36 36 38 16 52 44 66 53 49 31 14 1.419

169 326 497 614 734 802 873 929 984 1.020 1.056 1.094 1.110 1.162 1.206 1.272 1.325 1.374 1.405 1.419

BAND

CUM.

11.91 11.91 11.06 22.97 12.05 35.02 8.25 43.27 8.46 51.73 4.79 56.52 5.00 61.52 3.95 65.47 3.88 69.34 2.54 71.88 2.54 74.42 2.68 77.10 1.13 78.22 3.66 81.89 3.10 84.99 4.65 89.64 3.74 93.38 3.45 96.83 2.18 99.01 0.99 100.00

PERCENTAGE rp

10,365.68 8,357.41 12,084.88 11,523.87 18,952.42 13,852.16 14,239.66 11,119.73 13,385.58 8,559.19 27,626.98 11,564.66 8,208.14 23,226.11 3,278.20 40,893.11 16,187.19 10,151.54 4,242.25 5,340.74

10,365.68 18,723.09 30,807.97 42,331.84 61,284.26 75,136.42 89,376.07 100,495.80 113,881.39 122,440.57 150,067.56 161,632.21 169,840.36 193,066.47 196,344.67 237,237.77 253,424.96 263,576.50 267,818.74 273,159.49

BAND

3.79 3.06 4.42 4.22 6.94 5.07 5.21 4.07 4.90 3.13 10.11 4.23 3.00 8.50 1.20 14.97 5.93 3.72 1.55 1.96

PERCENTAGE

CUM.

BAND

CUM

3.79 6.85 11.28 15.50 22.44 27.51 32.72 36.79 41.69 44.82 54.94 59.17 62.18 70.68 71.88 86.85 92.78 96.49 98.04 100.00

39.23 45.17 33.04 36.15 38.60 42.45 40.20 32.26 54.20 54.46 182.88 60.26 48.00 91.51 18.31 102.15 37.36 32.46 8.33 14.03

39.23 41.68 37.80 37.33 37.72 38.51 38.77 37.92 39.31 40.09 46.82 47.58 47.60 50.51 49.07 53.90 52.42 51.21 47.34 45.24

273,159.49

45.24

Page 47 of 180

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

:I.A.R

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

01/01/2002

15/12/2004

15/02/2005

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)

DATE

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

2.156 977 1.772 1.585 2.035 1.283 1.115 1.114 725 479 384 529 427 623 421 791 834 400 396 123 18.169

2.156 3.133 4.905 6.490 8.525 9.808 10.923 12.037 12.762 13.241 13.625 14.154 14.581 15.204 15.625 16.416 17.250 17.650 18.046 18.169

BAND

CUM.

11.87 11.87 5.38 17.24 9.75 27.00 8.72 35.72 11.20 46.92 7.06 53.98 6.14 60.12 6.13 66.25 3.99 70.24 2.64 72.88 2.11 74.99 2.91 77.90 2.35 80.25 3.43 83.68 2.32 86.00 4.35 90.35 4.59 94.94 2.20 97.14 2.18 99.32 0.68 100.00

PERCENTAGE rp

13,626.81 680.86 1,533.50 1,469.48 3,611.63 2,731.47 4,013.18 3,737.15 3,796.04 2,927.91 2,533.90 4,557.77 4,960.20 10,262.31 7,360.68 21,001.89 44,135.74 44,564.08 95,737.59 57,848.90 331,091.11

13,626.81 14,307.67 15,841.17 17,310.65 20,922.28 23,653.76 27,666.93 31,404.08 35,200.12 38,128.03 40,661.94 45,219.71 50,179.91 60,442.22 67,802.90 88,804.80 132,940.54 177,504.62 273,242.21 331,091.11

BAND

4.12 0.21 0.46 0.44 1.09 0.82 1.21 1.13 1.15 0.88 0.77 1.38 1.50 3.10 2.22 6.34 13.33 13.46 28.92 17.47

CUM.

4.12 4.32 4.78 5.23 6.32 7.14 8.36 9.49 10.63 11.52 12.28 13.66 15.16 18.26 20.48 26.82 40.15 53.61 82.53 100.00

PERCENTAGE f

88 13 33 31 53 31 23 18 15 15 20 17 15 35 22 80 99 68 124 53 853

88 101 134 165 218 249 272 290 305 320 340 357 372 407 429 509 608 676 800 853

BAND

CUM.

10.32 10.32 1.52 11.84 3.87 15.71 3.63 19.34 6.21 25.56 3.63 29.19 2.70 31.89 2.11 34.00 1.76 35.76 1.76 37.51 2.34 39.86 1.99 41.85 1.76 43.61 4.10 47.71 2.58 50.29 9.38 59.67 11.61 71.28 7.97 79.25 14.54 93.79 6.21 100.00

PERCENTAGE rp

18,799.99 4,422.60 728.42 1,204.59 12,268.04 924.54 1,775.89 871.46 1,908.10 428.40 3,977.79 3,049.72 952.37 11,415.61 892.75 10,242.91 20,214.39 14,120.43 38,664.41 9,721.98 156,584.38

18,799.99 23,222.59 23,951.01 25,155.60 37,423.64 38,348.18 40,124.06 40,995.52 42,903.62 43,332.02 47,309.82 50,359.54 51,311.91 62,727.52 63,620.27 73,863.17 94,077.56 108,197.99 146,862.40 156,584.38

BAND

12.01 2.82 0.47 0.77 7.83 0.59 1.13 0.56 1.22 0.27 2.54 1.95 0.61 7.29 0.57 6.54 12.91 9.02 24.69 6.21

PERCENTAGE

CUM.

BAND

CUM

12.01 14.83 15.30 16.07 23.90 24.49 25.62 26.18 27.40 27.67 30.21 32.16 32.77 40.06 40.63 47.17 60.08 69.10 93.79 100.00

137.96 649.56 47.50 81.97 339.68 33.85 44.25 23.32 50.27 14.63 156.98 66.91 19.20 111.24 12.13 48.77 45.80 31.69 40.39 16.81

137.96 162.31 151.19 145.32 178.87 162.12 145.03 130.54 121.88 113.65 116.35 111.37 102.26 103.78 93.83 83.17 70.77 60.96 53.75 47.29 47.29

Page 48 of 180

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

15/12/2004

DATE

15/02/2005

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 45 17 20 3 323

BAND

CUM.

6 14 17 22 28 33 47 76 105 127 139 152 163 187 208 238 283 300 320 323

1.86 1.86 2.48 4.33 0.93 5.26 1.55 6.81 1.86 8.67 1.55 10.22 4.33 14.55 8.98 23.53 8.98 32.51 6.81 39.32 3.72 43.03 4.02 47.06 3.41 50.46 7.43 57.89 6.50 64.40 9.29 73.68 13.93 87.62 5.26 92.88 6.19 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 1,703.49 471.94 2,027.38 1,246.21 7,673.94

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 3,928.42 4,400.36 6,427.73 7,673.94

BAND

0.93 0.04 0.01 0.03 0.08 0.11 0.46 1.48 2.54 2.06 1.29 1.67 1.38 3.03 3.46 10.40 22.20 6.15 26.42 16.24

CUM.

0.93 0.97 0.99 1.02 1.09 1.21 1.67 3.15 5.69 7.75 9.04 10.72 12.09 15.13 18.59 28.99 51.19 57.34 83.76 100.00

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.

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 0.00 50.00 0.00 50.00 50.00 100.00 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 4.87 0.00 0.00 1,171.73 0.00 1,176.60

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 4.87 4.87 4.87 1,176.60 1,176.60

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 0.41 0.00 0.00 99.59 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 0.41 0.41 0.41 100.00 100.00

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 0.61 0.00 0.00 57.80 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 0.22 0.12 0.11 18.31 15.33 15.33

Page 49 of 180

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: Earthquake

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

15/12/2004

DATE

15/02/2005

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

1.459 420 646 572 789 571 558 685 442 302 295 365 313 398 380 592 669 289 335 173 10.253

1.459 1.879 2.525 3.097 3.886 4.457 5.015 5.700 6.142 6.444 6.739 7.104 7.417 7.815 8.195 8.787 9.456 9.745 10.080 10.253

BAND

CUM.

14.23 14.23 4.10 18.33 6.30 24.63 5.58 30.21 7.70 37.90 5.57 43.47 5.44 48.91 6.68 55.59 4.31 59.90 2.95 62.85 2.88 65.73 3.56 69.29 3.05 72.34 3.88 76.22 3.71 79.93 5.77 85.70 6.52 92.23 2.82 95.05 3.27 98.31 1.69 100.00

PERCENTAGE rp

2,729.23 94.36 187.13 167.06 338.42 312.55 437.90 580.99 347.71 509.98 324.75 567.47 612.24 916.77 1,701.14 2,252.01 4,283.50 3,188.45 6,425.43 8,249.95

2,729.23 2,823.59 3,010.71 3,177.77 3,516.19 3,828.74 4,266.64 4,847.63 5,195.34 5,705.32 6,030.07 6,597.53 7,209.77 8,126.54 9,827.68 12,079.69 16,363.19 19,551.64 25,977.07 34,227.02

34,227.02

BAND

7.97 0.28 0.55 0.49 0.99 0.91 1.28 1.70 1.02 1.49 0.95 1.66 1.79 2.68 4.97 6.58 12.51 9.32 18.77 24.10

CUM.

7.97 8.25 8.80 9.28 10.27 11.19 12.47 14.16 15.18 16.67 17.62 19.28 21.06 23.74 28.71 35.29 47.81 57.12 75.90 100.00

PERCENTAGE f

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 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

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

.00

Page 50 of 180

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

15/12/2004

15/02/2005

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

29 14 21 18 22 14 12 15 6 10 12 8 7 10 3 8 7 11 14 5 246

29 43 64 82 104 118 130 145 151 161 173 181 188 198 201 209 216 227 241 246

BAND

CUM.

PERCENTAGE rp

11.79 11.79 65.86 5.69 17.48 2.64 8.54 26.02 7.63 7.32 33.33 145.13 8.94 42.28 17.48 5.69 47.97 20.17 4.88 52.85 21.60 6.10 58.94 47.54 2.44 61.38 28.37 4.07 65.45 27.98 4.88 70.33 46.17 3.25 73.58 71.57 2.85 76.42 52.49 4.07 80.49 109.94 1.22 81.71 21.17 3.25 84.96 165.77 2.85 87.80 255.24 4.47 92.28 804.97 5.69 97.97 1,100.84 2.03 100.00 2,176.57 5,189.12

65.86 68.49 76.13 221.26 238.74 258.91 280.51 328.05 356.42 384.40 430.57 502.13 554.62 664.56 685.72 851.50 1,106.74 1,911.71 3,012.55 5,189.12

BAND

1.27 0.05 0.15 2.80 0.34 0.39 0.42 0.92 0.55 0.54 0.89 1.38 1.01 2.12 0.41 3.19 4.92 15.51 21.21 41.94

CUM.

1.27 1.32 1.47 4.26 4.60 4.99 5.41 6.32 6.87 7.41 8.30 9.68 10.69 12.81 13.21 16.41 21.33 36.84 58.06 100.00

PERCENTAGE f

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

BAND

CUM.

1 7.69 7.69 1 0.00 7.69 2 7.69 15.38 2 0.00 15.38 2 0.00 15.38 2 0.00 15.38 3 7.69 23.08 3 0.00 23.08 3 0.00 23.08 5 15.38 38.46 5 0.00 38.46 6 7.69 46.15 6 0.00 46.15 7 7.69 53.85 7 0.00 53.85 7 0.00 53.85 8 7.69 61.54 9 7.69 69.23 11 15.38 84.62 13 15.38 100.00

PERCENTAGE rp

75.64 0.00 10.17 0.00 0.00 0.00 797.84 0.00 0.00 352.16 0.00 6.08 0.00 2.33 0.00 0.00 49.97 17.23 207.38 655.32 2,174.11

75.64 75.64 85.81 85.81 85.81 85.81 883.64 883.64 883.64 1,235.80 1,235.80 1,241.88 1,241.88 1,244.21 1,244.21 1,244.21 1,294.17 1,311.40 1,518.79 2,174.11

BAND

CUM.

PERCENTAGE BAND

3.48 3.48 114.85 0.00 3.48 0.00 0.47 3.95 133.22 0.00 3.95 0.00 0.00 3.95 0.00 0.00 3.95 0.00 36.70 40.64 3,693.84 0.00 40.64 0.00 0.00 40.64 0.00 16.20 56.84 1,258.67 0.00 56.84 0.00 0.28 57.12 8.49 0.00 57.12 0.00 0.11 57.23 2.12 0.00 57.23 0.00 0.00 57.23 0.00 2.30 59.53 19.58 0.79 60.32 2.14 9.54 69.86 18.84 30.14 100.00 30.11

CUM

114.85 110.43 112.71 38.78 35.94 33.14 315.01 269.36 247.92 321.49 287.02 247.32 223.92 187.22 181.44 146.12 116.94 68.60 50.42 41.90 41.90

Page 51 of 180

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

15/12/2004

DATE

15/02/2005

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 50 43 48 36 43 41 37 22 28 19 29 41 29 64 73 23 56 27 893

129 184 234 277 325 361 404 445 482 504 532 551 580 621 650 714 787 810 866 893

BAND

CUM.

14.45 14.45 6.16 20.60 5.60 26.20 4.82 31.02 5.38 36.39 4.03 40.43 4.82 45.24 4.59 49.83 4.14 53.98 2.46 56.44 3.14 59.57 2.13 61.70 3.25 64.95 4.59 69.54 3.25 72.79 7.17 79.96 8.17 88.13 2.58 90.71 6.27 96.98 3.02 100.00

PERCENTAGE rp

551.67 551.67 9.76 561.43 21.50 582.93 31.60 614.54 84.99 699.52 43.26 742.79 79.25 822.04 167.69 989.73 104.10 1,093.84 80.74 1,174.58 78.24 1,252.82 82.13 1,334.95 218.03 1,552.98 265.48 1,818.46 193.59 2,012.05 936.64 2,948.69 2,063.98 5,012.67 1,259.96 6,272.63 3,865.84 10,138.47 6,787.15 16,925.62 16,925.62

BAND

3.26 0.06 0.13 0.19 0.50 0.26 0.47 0.99 0.62 0.48 0.46 0.49 1.29 1.57 1.14 5.53 12.19 7.44 22.84 40.10

CUM.

3.26 3.32 3.44 3.63 4.13 4.39 4.86 5.85 6.46 6.94 7.40 7.89 9.18 10.74 11.89 17.42 29.62 37.06 59.90 100.00

PERCENTAGE f

2 2 1 0 0 0 0 1 0 0 0 3 0 2 0 2 6 2 2 2 25

BAND

2 4 5 5 5 5 5 6 6 6 6 9 9 11 11 13 19 21 23 25

CUM.

PERCENTAGE rp

8.00 8.00 614.69 614.69 8.00 16.00 17.48 632.16 4.00 20.00 59.13 691.30 0.00 20.00 0.00 691.30 0.00 20.00 0.00 691.30 0.00 20.00 0.00 691.30 0.00 20.00 0.00 691.30 4.00 24.00 9.71 701.01 0.00 24.00 0.00 701.01 0.00 24.00 0.00 701.01 0.00 24.00 0.00 701.01 12.00 36.00 1.47 702.48 0.00 36.00 0.00 702.48 8.00 44.00 736.03 1,438.51 0.00 44.00 0.00 1,438.51 8.00 52.00 1,391.28 2,829.79 24.00 76.00 9,236.67 12,066.46 8.00 84.00 1,296.19 13,362.65 8.00 92.00 883.69 14,246.34 8.00 100.00 41.74 14,288.08 14,288.08

BAND

4.30 0.12 0.41 0.00 0.00 0.00 0.00 0.07 0.00 0.00 0.00 0.01 0.00 5.15 0.00 9.74 64.65 9.07 6.18 0.29

CUM.

4.30 4.42 4.84 4.84 4.84 4.84 4.84 4.91 4.91 4.91 4.91 4.92 4.92 10.07 10.07 19.81 84.45 93.52 99.71 100.00

PERCENTAGE BAND

CUM

111.42 179.13 275.06 0.00 0.00 0.00 0.00 5.79 0.00 0.00 0.00 1.79 0.00 277.25 0.00 148.54 447.52 102.88 22.86 0.62

111.42 112.60 118.59 112.49 98.82 93.07 84.10 70.83 64.09 59.68 55.95 52.62 45.23 79.11 71.49 95.97 240.72 213.03 140.52 84.42 84.42

Page 52 of 180

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

15/12/2004

DATE

15/02/2005

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

341 225 307 204 309 236 233 245 167 124 115 171 122 161 129 269 275 137 144 32 3.946

341 566 873 1.077 1.386 1.622 1.855 2.100 2.267 2.391 2.506 2.677 2.799 2.960 3.089 3.358 3.633 3.770 3.914 3.946

BAND

CUM.

PERCENTAGE rp

8.64 8.64 600.18 600.18 5.70 14.34 57.50 657.68 7.78 22.12 134.44 792.13 5.17 27.29 122.19 914.32 7.83 35.12 466.13 1,380.45 5.98 41.10 545.89 1,926.33 5.90 47.01 406.68 2,333.01 6.21 53.22 571.42 2,904.44 4.23 57.45 674.85 3,579.28 3.14 60.59 432.18 4,011.46 2.91 63.51 537.24 4,548.70 4.33 67.84 884.82 5,433.53 3.09 70.93 723.76 6,157.29 4.08 75.01 1,265.84 7,423.13 3.27 78.28 1,366.69 8,789.81 6.82 85.10 5,054.22 13,844.04 6.97 92.07 8,665.53 22,509.56 3.47 95.54 11,045.09 33,554.65 3.65 99.19 20,770.64 54,325.29 0.81 100.00 14,331.18 68,656.46 68,656.46

BAND

0.87 0.08 0.20 0.18 0.68 0.80 0.59 0.83 0.98 0.63 0.78 1.29 1.05 1.84 1.99 7.36 12.62 16.09 30.25 20.87

CUM.

0.87 0.96 1.15 1.33 2.01 2.81 3.40 4.23 5.21 5.84 6.63 7.91 8.97 10.81 12.80 20.16 32.79 48.87 79.13 100.00

PERCENTAGE f

2 0 0 1 1 2 1 2 0 1 0 3 2 3 4 12 19 14 10 25 102

2 2 2 3 4 6 7 9 9 10 10 13 15 18 22 34 53 67 77 102

BAND

CUM.

PERCENTAGE rp

1.96 1.96 65.97 65.97 0.00 1.96 0.00 65.97 0.00 1.96 0.00 65.97 0.98 2.94 0.00 65.97 0.98 3.92 45.37 111.34 1.96 5.88 13.49 124.82 0.98 6.86 10.00 134.82 1.96 8.82 584.30 719.12 0.00 8.82 0.00 719.12 0.98 9.80 0.75 719.87 0.00 9.80 0.00 719.87 2.94 12.75 339.52 1,059.39 1.96 14.71 27.24 1,086.63 2.94 17.65 125.81 1,212.45 3.92 21.57 384.86 1,597.31 11.76 33.33 2,559.39 4,156.70 18.63 51.96 12,825.28 16,981.97 13.73 65.69 4,053.15 21,035.13 9.80 75.49 13,774.78 34,809.90 24.51 100.00 4,099.13 38,909.03 38,909.03

BAND

0.17 0.00 0.00 0.00 0.12 0.03 0.03 1.50 0.00 0.00 0.00 0.87 0.07 0.32 0.99 6.58 32.96 10.42 35.40 10.54

PERCENTAGE

CUM.

BAND

0.17 0.17 0.17 0.17 0.29 0.32 0.35 1.85 1.85 1.85 1.85 2.72 2.79 3.12 4.11 10.68 43.65 54.06 89.46 100.00

10.99 0.00 0.00 0.00 9.73 2.47 2.46 102.25 0.00 0.17 0.00 38.37 3.76 9.94 28.16 50.64 148.00 36.70 66.32 28.60

CUM

10.99 10.03 8.33 7.22 8.07 6.48 5.78 24.76 20.09 17.95 15.83 19.50 17.65 16.33 18.17 30.03 75.44 62.69 64.08 56.67 56.67

Page 53 of 180

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

15/12/2004

DATE

15/02/2005

Chemical / Oils / Gas

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

298 147 236 182 371 289 336 386 278 182 162 180 142 241 151 247 251 138 116 61 4.394

298 445 681 863 1.234 1.523 1.859 2.245 2.523 2.705 2.867 3.047 3.189 3.430 3.581 3.828 4.079 4.217 4.333 4.394

BAND

CUM.

6.78 6.78 3.35 10.13 5.37 15.50 4.14 19.64 8.44 28.08 6.58 34.66 7.65 42.31 8.78 51.09 6.33 57.42 4.14 61.56 3.69 65.25 4.10 69.34 3.23 72.58 5.48 78.06 3.44 81.50 5.62 87.12 5.71 92.83 3.14 95.97 2.64 98.61 1.39 100.00

PERCENTAGE rp

4,697.41 212.53 181.80 219.42 1,012.92 653.16 1,225.81 1,391.92 1,245.59 1,257.68 1,132.03 1,616.18 1,824.11 3,540.72 2,666.04 6,527.77 11,097.39 12,206.64 18,167.56 13,139.09

4,697.41 4,909.94 5,091.74 5,311.16 6,324.08 6,977.24 8,203.06 9,594.97 10,840.56 12,098.24 13,230.27 14,846.45 16,670.56 20,211.28 22,877.32 29,405.10 40,502.48 52,709.12 70,876.68 84,015.77

84,015.77

BAND

5.59 0.25 0.22 0.26 1.21 0.78 1.46 1.66 1.48 1.50 1.35 1.92 2.17 4.21 3.17 7.77 13.21 14.53 21.62 15.64

CUM.

5.59 5.84 6.06 6.32 7.53 8.30 9.76 11.42 12.90 14.40 15.75 17.67 19.84 24.06 27.23 35.00 48.21 62.74 84.36 100.00

PERCENTAGE f

16 2 2 1 10 3 5 12 8 3 4 6 3 9 9 10 11 11 22 5 152

16 18 20 21 31 34 39 51 59 62 66 72 75 84 93 103 114 125 147 152

BAND

CUM.

10.53 10.53 1.32 11.84 1.32 13.16 0.66 13.82 6.58 20.39 1.97 22.37 3.29 25.66 7.89 33.55 5.26 38.82 1.97 40.79 2.63 43.42 3.95 47.37 1.97 49.34 5.92 55.26 5.92 61.18 6.58 67.76 7.24 75.00 7.24 82.24 14.47 96.71 3.29 100.00

PERCENTAGE rp

5,009.90 13.64 15.37 121.82 914.73 2,945.18 1,001.77 1,595.79 1,860.25 121.84 2,762.16 3,893.92 73.97 5,634.70 117.88 131.10 2,493.06 830.17 7,271.66 849.98

5,009.90 5,023.54 5,038.91 5,160.74 6,075.47 9,020.64 10,022.42 11,618.21 13,478.45 13,600.30 16,362.45 20,256.38 20,330.34 25,965.04 26,082.93 26,214.02 28,707.09 29,537.25 36,808.91 37,658.89

37,658.89

BAND

13.30 0.04 0.04 0.32 2.43 7.82 2.66 4.24 4.94 0.32 7.33 10.34 0.20 14.96 0.31 0.35 6.62 2.20 19.31 2.26

CUM.

13.30 13.34 13.38 13.70 16.13 23.95 26.61 30.85 35.79 36.11 43.45 53.79 53.99 68.95 69.26 69.61 76.23 78.43 97.74 100.00

PERCENTAGE BAND

106.65 6.42 8.46 55.52 90.31 450.91 81.72 114.65 149.35 9.69 244.00 240.93 4.06 159.14 4.42 2.01 22.47 6.80 40.03 6.47

CUM

106.65 102.31 98.96 97.17 96.07 129.29 122.18 121.09 124.33 112.42 123.67 136.44 121.95 128.47 114.01 89.15 70.88 56.04 51.93 44.82 44.82

Page 54 of 180

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

15/12/2004

DATE

15/02/2005

Textiles

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

834 828 1.206 800 1.119 674 523 458 276 176 148 171 136 194 133 222 209 118 107 52 8.384

834 1.662 2.868 3.668 4.787 5.461 5.984 6.442 6.718 6.894 7.042 7.213 7.349 7.543 7.676 7.898 8.107 8.225 8.332 8.384

BAND

CUM.

PERCENTAGE rp

9.95 9.95 1,549.87 1,549.87 9.88 19.82 400.90 1,950.77 14.38 34.21 903.26 2,854.03 9.54 43.75 971.90 3,825.93 13.35 57.10 1,722.45 5,548.38 8.04 65.14 1,467.32 7,015.70 6.24 71.37 2,409.01 9,424.71 5.46 76.84 1,903.99 11,328.70 3.29 80.13 1,597.92 12,926.63 2.10 82.23 1,255.32 14,181.95 1.77 83.99 1,071.54 15,253.49 2.04 86.03 1,556.45 16,809.94 1.62 87.66 2,066.09 18,876.03 2.31 89.97 3,658.37 22,534.40 1.59 91.56 2,839.60 25,374.01 2.65 94.20 5,501.08 30,875.08 2.49 96.70 9,112.37 39,987.46 1.41 98.10 8,798.65 48,786.11 1.28 99.38 16,042.28 64,828.38 0.62 100.00 8,781.89 73,610.28 73,610.28

BAND

2.11 0.54 1.23 1.32 2.34 1.99 3.27 2.59 2.17 1.71 1.46 2.11 2.81 4.97 3.86 7.47 12.38 11.95 21.79 11.93

CUM.

2.11 2.65 3.88 5.20 7.54 9.53 12.80 15.39 17.56 19.27 20.72 22.84 25.64 30.61 34.47 41.94 54.32 66.28 88.07 100.00

PERCENTAGE f

16 3 4 2 6 5 6 3 1 1 8 4 2 22 17 14 12 30 15 6 177

16 19 23 25 31 36 42 45 46 47 55 59 61 83 100 114 126 156 171 177

BAND

CUM.

9.04 9.04 1.69 10.73 2.26 12.99 1.13 14.12 3.39 17.51 2.82 20.34 3.39 23.73 1.69 25.42 0.56 25.99 0.56 26.55 4.52 31.07 2.26 33.33 1.13 34.46 12.43 46.89 9.60 56.50 7.91 64.41 6.78 71.19 16.95 88.14 8.47 96.61 3.39 100.00

PERCENTAGE rp

6,075.07 96.46 471.03 182.55 9,975.87 1,078.67 785.81 793.64 511.29 0.50 445.13 2,100.46 17.44 4,709.01 844.98 342.39 719.16 5,636.91 7,912.04 1,354.83 44,053.24

6,075.07 6,171.53 6,642.56 6,825.11 16,800.98 17,879.65 18,665.46 19,459.09 19,970.38 19,970.88 20,416.01 22,516.47 22,533.91 27,242.92 28,087.90 28,430.29 29,149.46 34,786.37 42,698.41 44,053.24

BAND

13.79 0.22 1.07 0.41 22.65 2.45 1.78 1.80 1.16 0.00 1.01 4.77 0.04 10.69 1.92 0.78 1.63 12.80 17.96 3.08

CUM.

13.79 14.01 15.08 15.49 38.14 40.59 42.37 44.17 45.33 45.33 46.34 51.11 51.15 61.84 63.76 64.54 66.17 78.96 96.92 100.00

PERCENTAGE BAND

391.97 24.06 52.15 18.78 579.17 73.51 32.62 41.68 32.00 0.04 41.54 134.95 0.84 128.72 29.76 6.22 7.89 64.07 49.32 15.43

CUM

391.97 316.36 232.74 178.39 302.81 254.85 198.05 171.77 154.49 140.82 133.84 133.95 119.38 120.89 110.70 92.08 72.90 71.30 65.86 59.85 59.85

Page 55 of 180

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

15/12/2004

DATE

15/02/2005

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

474 417 630 467 617 390 287 318 225 139 112 168 143 186 114 167 149 59 56 21 5.139

474 891 1.521 1.988 2.605 2.995 3.282 3.600 3.825 3.964 4.076 4.244 4.387 4.573 4.687 4.854 5.003 5.062 5.118 5.139

BAND

CUM.

PERCENTAGE rp

9.22 9.22 2,428.25 2,428.25 8.11 17.34 235.87 2,664.12 12.26 29.60 515.01 3,179.13 9.09 38.68 692.97 3,872.09 12.01 50.69 1,371.99 5,244.08 7.59 58.28 1,054.38 6,298.46 5.58 63.86 1,004.71 7,303.18 6.19 70.05 1,539.45 8,842.63 4.38 74.43 1,393.90 10,236.53 2.70 77.14 1,040.59 11,277.12 2.18 79.32 927.12 12,204.24 3.27 82.58 1,767.47 13,971.71 2.78 85.37 2,420.63 16,392.34 3.62 88.99 3,352.56 19,744.91 2.22 91.20 2,859.81 22,604.72 3.25 94.45 5,321.81 27,926.53 2.90 97.35 9,417.02 37,343.55 1.15 98.50 7,057.84 44,401.38 1.09 99.59 16,706.24 61,107.62 0.41 100.00 13,683.86 74,791.48 74,791.48

BAND

3.25 0.32 0.69 0.93 1.83 1.41 1.34 2.06 1.86 1.39 1.24 2.36 3.24 4.48 3.82 7.12 12.59 9.44 22.34 18.30

CUM.

3.25 3.56 4.25 5.18 7.01 8.42 9.76 11.82 13.69 15.08 16.32 18.68 21.92 26.40 30.22 37.34 49.93 59.37 81.70 100.00

PERCENTAGE f

6 0 1 5 8 2 1 8 6 2 3 4 3 7 5 9 15 17 25 8 135

BAND

CUM.

6 4.44 4.44 6 0.00 4.44 7 0.74 5.19 12 3.70 8.89 20 5.93 14.81 22 1.48 16.30 23 0.74 17.04 31 5.93 22.96 37 4.44 27.41 39 1.48 28.89 42 2.22 31.11 46 2.96 34.07 49 2.22 36.30 56 5.19 41.48 61 3.70 45.19 70 6.67 51.85 85 11.11 62.96 102 12.59 75.56 127 18.52 94.07 135 5.93 100.00

PERCENTAGE rp

789.64 0.00 204.37 164.37 3,435.43 194.81 175.96 506.86 2,306.82 498.19 8,655.47 3,662.93 2,152.98 5,660.72 642.93 1,261.56 2,843.83 5,794.52 6,760.45 692.81 46,404.67

789.64 789.64 994.02 1,158.39 4,593.82 4,788.63 4,964.59 5,471.46 7,778.28 8,276.46 16,931.93 20,594.86 22,747.84 28,408.57 29,051.49 30,313.06 33,156.88 38,951.41 45,711.86 46,404.67

BAND

1.70 0.00 0.44 0.35 7.40 0.42 0.38 1.09 4.97 1.07 18.65 7.89 4.64 12.20 1.39 2.72 6.13 12.49 14.57 1.49

PERCENTAGE

CUM.

BAND

CUM

1.70 1.70 2.14 2.50 9.90 10.32 10.70 11.79 16.76 17.84 36.49 44.38 49.02 61.22 62.60 65.32 71.45 83.94 98.51 100.00

32.52 0.00 39.68 23.72 250.40 18.48 17.51 32.93 165.49 47.88 933.59 207.24 88.94 168.85 22.48 23.71 30.20 82.10 40.47 5.06

32.52 29.64 31.27 29.92 87.60 76.03 67.98 61.88 75.99 73.39 138.74 147.40 138.77 143.88 128.52 108.55 88.79 87.73 74.81 62.05 62.05

Page 56 of 180

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 26

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2004

15/02/2005

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

665 366 422 317 377 253 290 261 195 102 112 138 98 120 85 151 99 45 29 13 4.138

665 1.031 1.453 1.770 2.147 2.400 2.690 2.951 3.146 3.248 3.360 3.498 3.596 3.716 3.801 3.952 4.051 4.096 4.125 4.138

BAND

CUM.

16.07 16.07 8.84 24.92 10.20 35.11 7.66 42.77 9.11 51.88 6.11 58.00 7.01 65.01 6.31 71.31 4.71 76.03 2.46 78.49 2.71 81.20 3.33 84.53 2.37 86.90 2.90 89.80 2.05 91.86 3.65 95.51 2.39 97.90 1.09 98.99 0.70 99.69 0.31 100.00

PERCENTAGE rp

3,629.94 311.14 582.86 654.56 1,342.60 1,280.79 1,780.51 2,104.91 1,994.69 1,428.35 1,720.70 2,737.05 2,364.63 3,507.73 2,706.22 9,035.40 8,537.21 6,366.10 12,398.58 314.62 64,798.58

3,629.94 3,941.08 4,523.93 5,178.49 6,521.09 7,801.88 9,582.39 11,687.30 13,681.99 15,110.34 16,831.04 19,568.09 21,932.72 25,440.45 28,146.67 37,182.07 45,719.28 52,085.38 64,483.96 64,798.58

BAND

CUM.

5.60 5.60 0.48 6.08 0.90 6.98 1.01 7.99 2.07 10.06 1.98 12.04 2.75 14.79 3.25 18.04 3.08 21.11 2.20 23.32 2.66 25.97 4.22 30.20 3.65 33.85 5.41 39.26 4.18 43.44 13.94 57.38 13.17 70.56 9.82 80.38 19.13 99.51 0.49 100.00

PERCENTAGE f

10 2 1 3 3 2 7 3 4 2 6 2 2 6 5 22 11 5 2 1 99

BAND

10 12 13 16 19 21 28 31 35 37 43 45 47 53 58 80 91 96 98 99

CUM.

PERCENTAGE rp

10.10 10.10 1,200.10 1,200.10 2.02 12.12 240.16 1,440.26 1.01 13.13 0.00 1,440.26 3.03 16.16 475.92 1,916.17 3.03 19.19 594.09 2,510.26 2.02 21.21 577.55 3,087.81 7.07 28.28 785.86 3,873.67 3.03 31.31 422.14 4,295.81 4.04 35.35 1,559.79 5,855.60 2.02 37.37 1,686.40 7,542.00 6.06 43.43 411.76 7,953.75 2.02 45.45 2,242.83 10,196.59 2.02 47.47 17.75 10,214.34 6.06 53.54 5,173.36 15,387.70 5.05 58.59 394.66 15,782.37 22.22 80.81 21,529.47 37,311.83 11.11 91.92 1,331.19 38,643.02 5.05 96.97 3,000.60 41,643.63 2.02 98.99 870.99 42,514.61 1.01 100.00 260.32 42,774.93 42,774.93

BAND

CUM.

PERCENTAGE BAND

2.81 2.81 33.06 0.56 3.37 77.19 0.00 3.37 0.00 1.11 4.48 72.71 1.39 5.87 44.25 1.35 7.22 45.09 1.84 9.06 44.14 0.99 10.04 20.06 3.65 13.69 78.20 3.94 17.63 118.07 0.96 18.59 23.93 5.24 23.84 81.94 0.04 23.88 0.75 12.09 35.97 147.48 0.92 36.90 14.58 50.33 87.23 238.28 3.11 90.34 15.59 7.01 97.36 47.13 2.04 99.39 7.02 0.61 100.00 82.74

CUM

33.06 36.54 31.84 37.00 38.49 39.58 40.42 36.76 42.80 49.91 47.26 52.11 46.57 60.49 56.07 100.35 84.52 79.95 65.93 66.01 66.01

Page 57 of 180

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

15/12/2004

15/02/2005

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

1.613 784 902 624 745 423 382 344 232 173 115 180 135 190 112 175 195 92 87 37 7.540

1.613 2.397 3.299 3.923 4.668 5.091 5.473 5.817 6.049 6.222 6.337 6.517 6.652 6.842 6.954 7.129 7.324 7.416 7.503 7.540

BAND

CUM.

21.39 21.39 10.40 31.79 11.96 43.75 8.28 52.03 9.88 61.91 5.61 67.52 5.07 72.59 4.56 77.15 3.08 80.23 2.29 82.52 1.53 84.05 2.39 86.43 1.79 88.22 2.52 90.74 1.49 92.23 2.32 94.55 2.59 97.14 1.22 98.36 1.15 99.51 0.49 100.00

PERCENTAGE rp

3,996.63 268.18 631.70 606.36 1,240.82 867.76 1,405.78 1,080.23 1,491.09 844.57 739.91 1,478.95 1,388.41 2,995.80 1,786.47 3,725.66 7,931.75 7,083.34 7,273.38 4,203.76 51,040.55

3,996.63 4,264.81 4,896.51 5,502.86 6,743.69 7,611.45 9,017.23 10,097.46 11,588.55 12,433.13 13,173.04 14,651.99 16,040.40 19,036.20 20,822.67 24,548.33 32,480.08 39,563.42 46,836.80 51,040.55

BAND

7.83 0.53 1.24 1.19 2.43 1.70 2.75 2.12 2.92 1.65 1.45 2.90 2.72 5.87 3.50 7.30 15.54 13.88 14.25 8.24

CUM.

7.83 8.36 9.59 10.78 13.21 14.91 17.67 19.78 22.70 24.36 25.81 28.71 31.43 37.30 40.80 48.10 63.64 77.51 91.76 100.00

PERCENTAGE f

9 7 4 8 11 4 4 2 8 4 5 5 7 2 4 9 16 7 3 1 120

9 16 20 28 39 43 47 49 57 61 66 71 78 80 84 93 109 116 119 120

BAND

CUM.

7.50 7.50 5.83 13.33 3.33 16.67 6.67 23.33 9.17 32.50 3.33 35.83 3.33 39.17 1.67 40.83 6.67 47.50 3.33 50.83 4.17 55.00 4.17 59.17 5.83 65.00 1.67 66.67 3.33 70.00 7.50 77.50 13.33 90.83 5.83 96.67 2.50 99.17 0.83 100.00

PERCENTAGE rp

209.83 278.10 334.51 566.76 1,931.42 333.39 16.22 1,288.93 858.28 123.18 638.90 497.39 198.28 13.98 51.63 307.98 557.77 408.50 1,156.90 0.00 9,771.97

209.83 487.93 822.44 1,389.19 3,320.61 3,654.00 3,670.22 4,959.15 5,817.43 5,940.62 6,579.52 7,076.91 7,275.19 7,289.17 7,340.80 7,648.79 8,206.56 8,615.06 9,771.97 9,771.97

BAND

2.15 2.85 3.42 5.80 19.76 3.41 0.17 13.19 8.78 1.26 6.54 5.09 2.03 0.14 0.53 3.15 5.71 4.18 11.84 0.00

PERCENTAGE

CUM.

BAND

2.15 4.99 8.42 14.22 33.98 37.39 37.56 50.75 59.53 60.79 67.33 72.42 74.45 74.59 75.12 78.27 83.98 88.16 100.00 100.00

5.25 103.70 52.95 93.47 155.66 38.42 1.15 119.32 57.56 14.59 86.35 33.63 14.28 0.47 2.89 8.27 7.03 5.77 15.91 0.00

CUM

5.25 11.44 16.80 25.24 49.24 48.01 40.70 49.11 50.20 47.78 49.95 48.30 45.36 38.29 35.25 31.16 25.27 21.78 20.86 19.15 19.15

Page 58 of 180

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 28

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2004

15/02/2005

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 7 7 5 7 6 6 17 16 2 9 0 141

4 9 17 22 32 37 46 53 59 66 73 78 85 91 97 114 130 132 141 141

BAND

CUM.

2.84 2.84 3.55 6.38 5.67 12.06 3.55 15.60 7.09 22.70 3.55 26.24 6.38 32.62 4.96 37.59 4.26 41.84 4.96 46.81 4.96 51.77 3.55 55.32 4.96 60.28 4.26 64.54 4.26 68.79 12.06 80.85 11.35 92.20 1.42 93.62 6.38 100.00 0.00 100.00

PERCENTAGE rp

713.33 0.35 3.01 2.52 9.41 5.33 7.72 10.91 11.12 26.79 42.80 30.82 45.84 18.41 42.07 315.43 368.41 93.61 846.50 0.00 2,594.38

713.33 713.67 716.69 719.21 728.62 733.95 741.67 752.59 763.70 790.50 833.30 864.11 909.95 928.37 970.43 1,285.86 1,654.27 1,747.88 2,594.38 2,594.38

BAND

27.50 0.01 0.12 0.10 0.36 0.21 0.30 0.42 0.43 1.03 1.65 1.19 1.77 0.71 1.62 12.16 14.20 3.61 32.63 0.00

CUM.

27.50 27.51 27.62 27.72 28.08 28.29 28.59 29.01 29.44 30.47 32.12 33.31 35.07 35.78 37.41 49.56 63.76 67.37 100.00 100.00

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 2.18 0.00 0.00 0.00 136.69

0.00 0.00 0.00 0.00 99.50 99.50 99.50 99.50 99.50 134.50 134.50 134.50 134.50 134.50 134.50 134.50 136.69 136.69 136.69 136.69

BAND

0.00 0.00 0.00 0.00 72.80 0.00 0.00 0.00 0.00 25.61 0.00 0.00 0.00 0.00 0.00 0.00 1.60 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 72.80 1,057.08 72.80 0.00 72.80 0.00 72.80 0.00 72.80 0.00 98.40 130.62 98.40 0.00 98.40 0.00 98.40 0.00 98.40 0.00 98.40 0.00 98.40 0.00 100.00 0.59 100.00 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 17.01 16.14 15.57 14.78 14.49 13.86 10.46 8.26 7.82 5.27 5.27 5.27

Page 59 of 180

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 29

01/01/2002

15/12/2004

DATE

15/02/2005

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

82.630 75.671 85.114 44.968 42.885 19.225 13.817 9.605 4.951 2.542 2.005 2.202 1.445 1.665 1.032 1.450 1.137 397 384 151 393.276

82.630 158.301 243.415 288.383 331.268 350.493 364.310 373.915 378.866 381.408 383.413 385.615 387.060 388.725 389.757 391.207 392.344 392.741 393.125 393.276

BAND

CUM.

21.01 21.01 19.24 40.25 21.64 61.89 11.43 73.33 10.90 84.23 4.89 89.12 3.51 92.63 2.44 95.08 1.26 96.34 0.65 96.98 0.51 97.49 0.56 98.05 0.37 98.42 0.42 98.84 0.26 99.11 0.37 99.47 0.29 99.76 0.10 99.86 0.10 99.96 0.04 100.00

PERCENTAGE rp

24,174.53 17,761.82 35,179.94 30,000.83 45,714.25 29,558.50 31,391.78 29,888.84 20,333.71 12,728.18 11,663.08 14,021.35 11,575.85 17,759.42 12,428.32 26,521.71 32,942.08 23,398.30 57,033.87 41,963.70

24,174.53 41,936.35 77,116.30 107,117.13 152,831.38 182,389.88 213,781.66 243,670.50 264,004.22 276,732.39 288,395.47 302,416.82 313,992.68 331,752.10 344,180.41 370,702.13 403,644.21 427,042.51 484,076.38 526,040.08

526,040.08

BAND

CUM.

4.60 4.60 3.38 7.97 6.69 14.66 5.70 20.36 8.69 29.05 5.62 34.67 5.97 40.64 5.68 46.32 3.87 50.19 2.42 52.61 2.22 54.82 2.67 57.49 2.20 59.69 3.38 63.07 2.36 65.43 5.04 70.47 6.26 76.73 4.45 81.18 10.84 92.02 7.98 100.00

PERCENTAGE f

186 154 187 128 132 79 66 41 41 31 30 26 12 35 20 68 57 25 74 17 1.409

186 340 527 655 787 866 932 973 1 1.045 1.075 1.101 1.113 1.148 1.168 1.236 1.293 1.318 1.392 1.409

BAND

CUM.

13.20 13.20 10.93 24.13 13.27 37.40 9.08 46.49 9.37 55.86 5.61 61.46 4.68 66.15 2.91 69.06 2.91 71.97 2.20 74.17 2.13 76.30 1.85 78.14 0.85 78.99 2.48 81.48 1.42 82.90 4.83 87.72 4.05 91.77 1.77 93.54 5.25 98.79 1.21 100.00

13,841.26 12,134.18 11,585.39 11,217.04 14,224.05 9,338.62 12,380.88 6,729.81 8,178.75 6,159.14 18,691.36 1,831.26 6,672.84 12,585.77 1,662.00 23,601.18 6,336.50 1,266.82 5,223.81 7,108.58 190,769.24

PERCENTAGE

BAND

CUM.

13,841.26 7.26 7.26 57.26 25,975.44 6.36 13.62 68.32 37,560.83 6.07 19.69 32.93 48,777.88 5.88 25.57 37.39 63,001.93 7.46 33.03 31.12 72,340.55 4.90 37.92 31.59 84,721.43 6.49 44.41 39.44 91,451.24 3.53 47.94 22.52 99,629.99 4.29 52.23 40.22 105,789.12 3.23 55.45 48.39 124,480.49 9.80 65.25 160.26 126,311.74 0.96 66.21 13.06 132,984.59 3.50 69.71 57.64 145,570.35 6.60 76.31 70.87 147,232.35 0.87 77.18 13.37 170,833.53 12.37 89.55 88.99 177,170.03 3.32 92.87 19.24 178,436.85 0.66 93.54 5.41 183,660.66 2.74 96.27 9.16 190,769.24 3.73 100.00 16.94

CUM

57.26 61.94 48.71 45.54 41.22 39.66 39.63 37.53 37.74 38.23 43.16 41.77 42.35 43.88 42.78 46.08 43.89 41.78 37.94 36.27 36.27

Page 60 of 180

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

15/12/2004

DATE

15/02/2005

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

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 0.001,164.71 0.65 100.00 0.401,165.11 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.

40.00 40.00 0.00 40.00 10.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 10.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 40.00 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

33.16 0.00 90.00 0.00 0.00 0.00 5.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,946.17 0.00 0.00 2,075.24

33.16 33.16 123.16 123.16 123.16 123.16 129.07 129.07 129.07 129.07 129.07 129.07 129.07 129.07 129.07 129.07 129.07 2,075.24 2,075.24 2,075.24

BAND

1.60 0.00 4.34 0.00 0.00 0.00 0.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 93.78 0.00 0.00

PERCENTAGE

CUM.

BAND

1.60 1.60 5.93 5.93 5.93 5.93 6.22 6.22 6.22 6.22 6.22 6.22 6.22 6.22 6.22 6.22 6.22 100.00 100.00 100.00

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 0.00 526.37 0.00 0.00

CUM

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 16.24 178.18 178.18 178.11 178.11

Page 61 of 180

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 31

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2004

15/02/2005

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

25 16 21 13 24 17 22 11 7 12 6 10 1 11 7 18 42 11 14 3 291

25 41 62 75 99 116 138 149 156 168 174 184 185 196 203 221 263 274 288 291

BAND

CUM.

PERCENTAGE rp

8.59 8.59 422.78 5.50 14.09 5.83 7.22 21.31 9.28 4.47 25.77 27.34 8.25 34.02 24.66 5.84 39.86 86.27 7.56 47.42 99.65 3.78 51.20 78.11 2.41 53.61 52.37 4.12 57.73 139.30 2.06 59.79 33.14 3.44 63.23 89.60 0.34 63.57 9.06 3.78 67.35 131.10 2.41 69.76 141.12 6.19 75.95 464.78 14.43 90.38 2,475.05 3.78 94.16 423.44 4.81 98.97 294.36 1.03 100.00 29.04 5,036.26

422.78 428.61 437.89 465.22 489.88 576.15 675.80 753.91 806.29 945.59 978.73 1,068.32 1,077.38 1,208.48 1,349.60 1,814.38 4,289.43 4,712.87 5,007.22 5,036.26

BAND

8.39 0.12 0.18 0.54 0.49 1.71 1.98 1.55 1.04 2.77 0.66 1.78 0.18 2.60 2.80 9.23 49.14 8.41 5.84 0.58

CUM.

8.39 8.51 8.69 9.24 9.73 11.44 13.42 14.97 16.01 18.78 19.43 21.21 21.39 24.00 26.80 36.03 85.17 93.58 99.42 100.00

PERCENTAGE f

5 0 1 0 0 1 1 2 2 4 0 0 0 0 2 0 3 1 1 0 23

BAND

5 5 6 6 6 7 8 10 12 16 16 16 16 16 18 18 21 22 23 23

CUM.

PERCENTAGE rp

21.74 21.74 1,250.41 0.00 21.74 0.00 4.35 26.09 3.00 0.00 26.09 0.00 0.00 26.09 0.00 4.35 30.43 55.00 4.35 34.78 25.00 8.70 43.48 60.00 8.70 52.17 18.52 17.39 69.57 10.44 0.00 69.57 0.00 0.00 69.57 0.00 0.00 69.57 0.00 0.00 69.57 0.00 8.70 78.26 72.00 0.00 78.26 0.00 13.04 91.30 5.96 4.35 95.65 21.69 4.35 100.00 16.70 0.00 100.00 0.00 1,538.71

1,250.41 1,250.41 1,253.41 1,253.41 1,253.41 1,308.41 1,333.41 1,393.41 1,411.93 1,422.36 1,422.36 1,422.36 1,422.36 1,422.36 1,494.36 1,494.36 1,500.32 1,522.01 1,538.71 1,538.71

BAND

81.26 0.00 0.19 0.00 0.00 3.57 1.62 3.90 1.20 0.68 0.00 0.00 0.00 0.00 4.68 0.00 0.39 1.41 1.09 0.00

PERCENTAGE

CUM.

BAND

CUM

81.26 81.26 81.46 81.46 81.46 85.03 86.66 90.56 91.76 92.44 92.44 92.44 92.44 92.44 97.12 97.12 97.51 98.91 100.00 100.00

295.76 0.00 32.33 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

295.76 291.74 286.24 269.42 255.86 227.10 197.31 184.82 175.11 150.42 145.33 133.14 132.02 117.70 110.73 82.36 34.98 32.29 30.73 30.55 30.55

Page 62 of 180

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 32

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2004

15/02/2005

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

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

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 63 of 180

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

OCCUPATION CODE

: 40

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2004

15/02/2005

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 1 0 0 0 0 0 0 0 0 0 1 0 0 0 0 2

BAND

0 0 0 0 0 1 1 1 1 1 1 1 1 1 1 2 2 2 2 2

0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00

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 50.00 240.00 240.00 50.00 0.00 240.00 50.00 0.00 240.00 50.00 0.00 240.00 50.00 0.00 240.00 50.00 0.00 240.00 50.00 0.00 240.00 50.00 0.00 240.00 50.00 0.00 240.00 50.00 0.00 240.00 100.00 16.54 256.54 100.00 0.00 256.54 100.00 0.00 256.54 100.00 0.00 256.54 100.00 0.00 256.54 256.54

BAND

0.00 0.00 0.00 0.00 0.00 93.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.45 0.00 0.00 0.00 0.00

PERCENTAGE

CUM.

BAND

CUM

0.00 0.00 0.00 0.00 0.00 93.55 93.55 93.55 93.55 93.55 93.55 93.55 93.55 93.55 93.55 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 368.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.06 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 309.75 234.92 199.44 172.54 167.99 164.76 134.32 125.38 90.95 73.67 55.42 32.88 18.75 12.79 12.79 12.79

Page 64 of 180

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

DATE

01/01/2002

15/12/2004

15/02/2005

NANGROE ACEH DARUSSALAM

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

1.170 919 844 354 344 117 101 69 48 20 17 30 10 20 18 29 22 12 4 2

1.170 2.089 2.933 3.287 3.631 3.748 3.849 3.918 3.966 3.986 4.003 4.033 4.043 4.063 4.081 4.110 4.132 4.144 4.148 4.150

4.150

BAND

CUM.

28.19 28.19 22.14 50.34 20.34 70.67 8.53 79.20 8.29 87.49 2.82 90.31 2.43 92.75 1.66 94.41 1.16 95.57 0.48 96.05 0.41 96.46 0.72 97.18 0.24 97.42 0.48 97.90 0.43 98.34 0.70 99.04 0.53 99.57 0.29 99.86 0.10 99.95 0.05 100.00

PERCENTAGE rp

183.70 356.35 595.93 360.21 615.47 333.91 318.03 244.13 445.41 177.77 116.11 244.25 64.08 147.20 311.19 1,063.60 902.56 804.44 560.46 29,888.89

183.70 540.05 1,135.98 1,496.19 2,111.66 2,445.58 2,763.61 3,007.75 3,453.15 3,630.93 3,747.04 3,991.29 4,055.37 4,202.58 4,513.77 5,577.36 6,479.93 7,284.37 7,844.83 37,733.72

37,733.72

BAND

0.49 0.94 1.58 0.95 1.63 0.88 0.84 0.65 1.18 0.47 0.31 0.65 0.17 0.39 0.82 2.82 2.39 2.13 1.49 79.21

CUM.

0.49 1.43 3.01 3.97 5.60 6.48 7.32 7.97 9.15 9.62 9.93 10.58 10.75 11.14 11.96 14.78 17.17 19.30 20.79 100.00

PERCENTAGE f

2 3 1 3 2 1 1 1 2 2 2 1 21

BAND

CUM.

2 5 6 6 9 11 12 13 14 14 14 16 16 16 16 18 18 20 20 21

9.52 9.52 14.29 23.81 4.76 28.57 0.00 28.57 14.29 42.86 9.52 52.38 4.76 57.14 4.76 61.90 4.76 66.67 0.00 66.67 0.00 66.67 9.52 76.19 0.00 76.19 0.00 76.19 0.00 76.19 9.52 85.71 0.00 85.71 9.52 95.24 0.00 95.24 4.76 100.00

PERCENTAGE rp

26.80 26.80 144.29 171.09 55.72 226.82 0.00 226.82 353.76 580.58 61.22 641.80 29.40 671.20 32.86 704.06 35.02 739.08 0.00 739.08 0.00 739.08 29.67 768.75 0.00 768.75 0.00 768.75 0.00 768.75 45.34 814.09 0.00 814.09 5.05 819.14 0.00 819.14 437.94 1,257.08 1,257.08

BAND

CUM.

2.13 2.13 11.48 13.61 4.43 18.04 0.00 18.04 28.14 46.18 4.87 51.05 2.34 53.39 2.61 56.01 2.79 58.79 0.00 58.79 0.00 58.79 2.36 61.15 0.00 61.15 0.00 61.15 0.00 61.15 3.61 64.76 0.00 64.76 0.40 65.16 0.00 65.16 34.84 100.00

PERCENTAGE BAND

14.59 40.49 9.35 0.00 57.48 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 1.47

CUM

14.59 31.68 19.97 15.16 27.49 26.24 24.29 23.41 21.40 20.36 19.72 19.26 18.96 18.29 17.03 14.60 12.56 11.25 10.44 3.33 3.33

Page 65 of 180

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

15/12/2004

15/02/2005

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

4.029 5.282 6.615 3.267 2.751 1.067 835 523 283 140 125 152 110 125 85 131 109 37 35 10 25.711

PERCENTAGE

BAND

CUM.

4.029 9.311 15.926 19.193 21.944 23.011 23.846 24.369 24.652 24.792 24.917 25.069 25.179 25.304 25.389 25.520 25.629 25.666 25.701 25.711

15.67 20.54 25.73 12.71 10.70 4.15 3.25 2.03 1.10 0.54 0.49 0.59 0.43 0.49 0.33 0.51 0.42 0.14 0.14 0.04

15.67 36.21 61.94 74.65 85.35 89.50 92.75 94.78 95.88 96.43 96.91 97.50 97.93 98.42 98.75 99.26 99.68 99.82 99.96 100.00

1,985.36 1,166.30 2,735.16 2,302.65 3,240.45 1,917.39 2,354.03 1,946.23 1,641.85 908.21 958.05 1,180.71 1,158.92 1,614.26 1,493.84 3,523.22 5,150.33 3,180.76 4,086.97 2,174.37

1,985.36 3,151.66 5,886.82 8,189.46 11,429.92 13,347.31 15,701.34 17,647.58 19,289.43 20,197.64 21,155.69 22,336.41 23,495.33 25,109.59 26,603.42 30,126.64 35,276.97 38,457.73 42,544.71 44,719.08

44,719.08

BAND

4.44 2.61 6.12 5.15 7.25 4.29 5.26 4.35 3.67 2.03 2.14 2.64 2.59 3.61 3.34 7.88 11.52 7.11 9.14 4.86

CUM.

4.44 7.05 13.16 18.31 25.56 29.85 35.11 39.46 43.13 45.17 47.31 49.95 52.54 56.15 59.49 67.37 78.89 86.00 95.14 100.00

PERCENTAGE f

13 10 8 9 5 3 4 2 4 6 5 1 1 6 2 4 12 6 6 107

13 23 31 40 45 48 52 54 58 64 69 70 71 77 79 83 95 101 107 107

BAND

CUM.

PERCENTAGE rp

12.15 12.15 669.61 9.35 21.50 624.97 7.48 28.97 267.42 8.41 37.38 576.87 4.67 42.06 572.19 2.80 44.86 41.75 3.74 48.60 1,736.94 1.87 50.47 887.18 3.74 54.21 86.48 5.61 59.81 70.30 4.67 64.49 3,989.43 0.93 65.42 4.38 0.93 66.36 6.98 5.61 71.96 46.44 1.87 73.83 49.30 3.74 77.57 215.66 11.21 88.79 217.04 5.61 94.39 459.38 5.61 100.00 307.73 0.00 100.00 0.00 10,830.06

669.61 1,294.58 1,562.00 2,138.87 2,711.06 2,752.81 4,489.75 5,376.93 5,463.42 5,533.72 9,523.15 9,527.52 9,534.51 9,580.94 9,630.25 9,845.91 10,062.95 10,522.34 10,830.06 10,830.06

BAND

CUM.

6.18 6.18 5.77 11.95 2.47 14.42 5.33 19.75 5.28 25.03 0.39 25.42 16.04 41.46 8.19 49.65 0.80 50.45 0.65 51.10 36.84 87.93 0.04 87.97 0.06 88.04 0.43 88.47 0.46 88.92 1.99 90.91 2.00 92.92 4.24 97.16 2.84 100.00 0.00 100.00

PERCENTAGE BAND

33.73 53.59 9.78 25.05 17.66 2.18 73.79 45.58 5.27 7.74 416.41 0.37 0.60 2.88 3.30 6.12 4.21 14.44 7.53 0.00

CUM

33.73 41.08 26.53 26.12 23.72 20.62 28.59 30.47 28.32 27.40 45.01 42.65 40.58 38.16 36.20 32.68 28.53 27.36 25.46 24.22 24.22

Page 66 of 180

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

15/12/2004

15/02/2005

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

1.570 2.088 1.935 798 645 214 163 91 34 19 15 27 13 17 11 16 15 5 7.676

1.570 3.658 5.593 6.391 7.036 7.250 7.413 7.504 7.538 7.557 7.572 7.599 7.612 7.629 7.640 7.656 7.671 7.676 7.676 7.676

BAND

CUM.

20.45 20.45 27.20 47.66 25.21 72.86 10.40 83.26 8.40 91.66 2.79 94.45 2.12 96.57 1.19 97.76 0.44 98.20 0.25 98.45 0.20 98.65 0.35 99.00 0.17 99.17 0.22 99.39 0.14 99.53 0.21 99.74 0.20 99.93 0.07 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

247.59 363.44 654.69 484.34 726.45 329.70 373.11 244.30 163.05 98.14 80.54 208.06 112.91 135.01 234.39 318.62 934.31 470.88 0.00 0.00 6,179.53

247.59 611.03 1,265.72 1,750.06 2,476.51 2,806.21 3,179.32 3,423.63 3,586.67 3,684.81 3,765.35 3,973.41 4,086.32 4,221.33 4,455.72 4,774.34 5,708.65 6,179.53 6,179.53 6,179.53

BAND

4.01 5.88 10.59 7.84 11.76 5.34 6.04 3.95 2.64 1.59 1.30 3.37 1.83 2.18 3.79 5.16 15.12 7.62 0.00 0.00

CUM.

4.01 9.89 20.48 28.32 40.08 45.41 51.45 55.40 58.04 59.63 60.93 64.30 66.13 68.31 72.10 77.26 92.38 100.00 100.00 100.00

PERCENTAGE f

3 2 5 2 3 3 1 2 1 22

BAND

3 5 10 12 15 18 19 21 21 21 21 21 21 21 21 21 22 22 22 22

13.64 9.09 22.73 9.09 13.64 13.64 4.55 9.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.55 0.00 0.00 0.00

CUM.

13.64 22.73 45.45 54.55 68.18 81.82 86.36 95.45 95.45 95.45 95.45 95.45 95.45 95.45 95.45 95.45 100.00 100.00 100.00 100.00

PERCENTAGE

BAND

CUM.

80.00 118.33 287.49 330.45 424.98 520.59 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

80.00 198.33 485.83 816.27 1,241.25 1,761.85 1,786.85 1,846.85 1,846.85 1,846.85 1,846.85 1,846.85 1,846.85 1,846.85 1,846.85 1,846.85 1,972.82 1,972.82 1,972.82 1,972.82

4.06 6.00 14.57 16.75 21.54 26.39 1.27 3.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.39 0.00 0.00 0.00

4.06 10.05 24.63 41.38 62.92 89.31 90.57 93.61 93.61 93.61 93.61 93.61 93.61 93.61 93.61 93.61 100.00 100.00 100.00 100.00

1,972.82

BAND

CUM

32.31 32.56 43.91 68.23 58.50 157.90 6.70 24.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.48 0.00 0.00 0.00

32.31 32.46 38.38 46.64 50.12 62.78 56.20 53.94 51.49 50.12 49.05 46.48 45.20 43.75 41.45 38.68 34.56 31.93 31.93 31.93 31.93

Page 67 of 180

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

15/12/2004

15/02/2005

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

2.506 3.435 3.921 1.803 1.429 542 371 275 123 88 55 80 51 78 47 83 106 37 60 10 15.100

2.506 5.941 9.862 11.665 13.094 13.636 14.007 14.282 14.405 14.493 14.548 14.628 14.679 14.757 14.804 14.887 14.993 15.030 15.090 15.100

BAND

CUM.

16.60 16.60 22.75 39.34 25.97 65.31 11.94 77.25 9.46 86.72 3.59 90.30 2.46 92.76 1.82 94.58 0.81 95.40 0.58 95.98 0.36 96.34 0.53 96.87 0.34 97.21 0.52 97.73 0.31 98.04 0.55 98.59 0.70 99.29 0.25 99.54 0.40 99.93 0.07 100.00

PERCENTAGE rp

1,902.66 820.90 1,910.61 1,656.36 2,248.36 1,280.59 1,203.85 1,074.92 648.32 556.02 360.33 553.63 409.10 826.55 648.97 2,253.53 3,581.96 2,274.50 7,211.26 1,549.39

1,902.66 2,723.56 4,634.17 6,290.54 8,538.89 9,819.48 11,023.33 12,098.25 12,746.57 13,302.59 13,662.93 14,216.55 14,625.65 15,452.20 16,101.17 18,354.70 21,936.66 24,211.16 31,422.42 32,971.81

32,971.81

BAND

5.77 2.49 5.79 5.02 6.82 3.88 3.65 3.26 1.97 1.69 1.09 1.68 1.24 2.51 1.97 6.83 10.86 6.90 21.87 4.70

CUM.

5.77 8.26 14.05 19.08 25.90 29.78 33.43 36.69 38.66 40.35 41.44 43.12 44.36 46.86 48.83 55.67 66.53 73.43 95.30 100.00

PERCENTAGE f

9 6 9 6 5 1 3 1 2 2 1 3 4 3 2 57

BAND

CUM.

9 15 24 30 35 36 39 40 40 40 42 44 44 45 48 48 52 55 57 57

15.79 15.79 10.53 26.32 15.79 42.11 10.53 52.63 8.77 61.40 1.75 63.16 5.26 68.42 1.75 70.18 0.00 70.18 0.00 70.18 3.51 73.68 3.51 77.19 0.00 77.19 1.75 78.95 5.26 84.21 0.00 84.21 7.02 91.23 5.26 96.49 3.51 100.00 0.00 100.00

PERCENTAGE rp

101.99 291.93 1,121.67 632.88 945.92 1.69 1,031.06 58.39 0.00 0.00 3,300.96 6.08 0.00 93.73 51.49 0.00 35.56 181.14 124.38 0.00

101.99 393.92 1,515.59 2,148.46 3,094.38 3,096.07 4,127.13 4,185.52 4,185.52 4,185.52 7,486.47 7,492.55 7,492.55 7,586.28 7,637.77 7,637.77 7,673.32 7,854.46 7,978.84 7,978.84

7,978.84

BAND

CUM.

1.28 1.28 3.66 4.94 14.06 19.00 7.93 26.93 11.86 38.78 0.02 38.80 12.92 51.73 0.73 52.46 0.00 52.46 0.00 52.46 41.37 93.83 0.08 93.91 0.00 93.91 1.17 95.08 0.65 95.73 0.00 95.73 0.45 96.17 2.27 98.44 1.56 100.00 0.00 100.00

PERCENTAGE BAND

5.36 35.56 58.71 38.21 42.07 0.13 85.65 5.43 0.00 0.00 916.09 1.10 0.00 11.34 7.93 0.00 0.99 7.96 1.72 0.00

CUM

5.36 14.46 32.70 34.15 36.24 31.53 37.44 34.60 32.84 31.46 54.79 52.70 51.23 49.10 47.44 41.61 34.98 32.44 25.39 24.20 24.20

Page 68 of 180

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

15/12/2004

15/02/2005

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

720 716 773 423 386 139 85 62 49 14 20 20 12 25 5 26 15 6 2 3.498

720 1.436 2.209 2.632 3.018 3.157 3.242 3.304 3.353 3.367 3.387 3.407 3.419 3.444 3.449 3.475 3.490 3.496 3.498 3.498

BAND

CUM.

PERCENTAGE rp

20.58 20.58 112.77 20.47 41.05 253.03 22.10 63.15 440.88 12.09 75.24 418.26 11.03 86.28 565.54 3.97 90.25 325.13 2.43 92.68 232.65 1.77 94.45 249.82 1.40 95.85 254.21 0.40 96.26 144.72 0.57 96.83 134.20 0.57 97.40 247.40 0.34 97.74 124.96 0.71 98.46 488.75 0.14 98.60 197.51 0.74 99.34 1,116.59 0.43 99.77 505.72 0.17 99.94 912.40 0.06 100.00 216.02 0.00 100.00 0.00 6,940.55

112.77 365.79 806.68 1,224.94 1,790.47 2,115.60 2,348.25 2,598.07 2,852.28 2,997.00 3,131.21 3,378.60 3,503.56 3,992.31 4,189.83 5,306.42 5,812.13 6,724.53 6,940.55 6,940.55

BAND

1.62 3.65 6.35 6.03 8.15 4.68 3.35 3.60 3.66 2.09 1.93 3.56 1.80 7.04 2.85 16.09 7.29 13.15 3.11 0.00

CUM.

1.62 5.27 11.62 17.65 25.80 30.48 33.83 37.43 41.10 43.18 45.11 48.68 50.48 57.52 60.37 76.46 83.74 96.89 100.00 100.00

PERCENTAGE f

8 5 3 2 1 1 7 1 2 30

8 13 16 18 18 19 19 19 19 19 19 19 19 20 27 28 30 30 30

BAND

CUM.

0.00 0.00 26.67 26.67 16.67 43.33 10.00 53.33 6.67 60.00 0.00 60.00 3.33 63.33 0.00 63.33 0.00 63.33 0.00 63.33 0.00 63.33 0.00 63.33 0.00 63.33 0.00 63.33 3.33 66.67 23.33 90.00 3.33 93.33 6.67 100.00 0.00 100.00 0.00 100.00

PERCENTAGE

BAND

CUM.

BAND

CUM

0.00 540.71 242.80 27.34 276.27 0.00 26.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00 331.17 1,958.95 1,487.50 0.00 0.00 0.00

0.00 540.71 783.51 810.86 1,087.12 1,087.12 1,113.49 1,113.49 1,113.49 1,113.49 1,113.49 1,113.49 1,113.49 1,113.49 1,444.66 3,403.61 4,891.11 4,891.11 4,891.11 4,891.11

0.00 11.05 4.96 0.56 5.65 0.00 0.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.77 40.05 30.41 0.00 0.00 0.00

0.00 11.05 16.02 16.58 22.23 22.23 22.77 22.77 22.77 22.77 22.77 22.77 22.77 22.77 29.54 69.59 100.00 100.00 100.00 100.00

0.00 213.70 55.07 6.54 48.85 0.00 11.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 167.67 175.44 294.14 0.00 0.00 0.00

0.00 147.82 97.13 66.20 60.72 51.39 47.42 42.86 39.04 37.15 35.56 32.96 31.78 27.89 34.48 64.14 84.15 72.74 70.47 70.47

4,891.11

70.47

Page 69 of 180

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

15/12/2004

15/02/2005

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

2.273 2.233 2.587 1.213 989 410 302 199 125 59 50 56 35 48 28 46 37 20 8 13 10.731

2.273 4.506 7.093 8.306 9.295 9.705 10.007 10.206 10.331 10.390 10.440 10.496 10.531 10.579 10.607 10.653 10.690 10.710 10.718 10.731

BAND

CUM.

21.18 21.18 20.81 41.99 24.11 66.10 11.30 77.40 9.22 86.62 3.82 90.44 2.81 93.25 1.85 95.11 1.16 96.27 0.55 96.82 0.47 97.29 0.52 97.81 0.33 98.14 0.45 98.58 0.26 98.84 0.43 99.27 0.34 99.62 0.19 99.80 0.07 99.88 0.12 100.00

PERCENTAGE rp

797.23 581.42 1,254.37 1,223.52 1,546.65 815.17 918.35 608.69 568.45 272.93 261.57 506.49 317.07 457.04 392.07 804.34 1,657.70 1,182.75 1,236.88 3,479.90 18,882.61

797.23 1,378.66 2,633.03 3,856.54 5,403.19 6,218.37 7,136.71 7,745.40 8,313.86 8,586.79 8,848.35 9,354.85 9,671.91 10,128.96 10,521.03 11,325.37 12,983.07 14,165.82 15,402.71 18,882.61

BAND

4.22 3.08 6.64 6.48 8.19 4.32 4.86 3.22 3.01 1.45 1.39 2.68 1.68 2.42 2.08 4.26 8.78 6.26 6.55 18.43

CUM.

4.22 7.30 13.94 20.42 28.61 32.93 37.80 41.02 44.03 45.47 46.86 49.54 51.22 53.64 55.72 59.98 68.76 75.02 81.57 100.00

PERCENTAGE f

4 8 8 14 6 3 4 5 1 1 1 1 1 3 1

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

BAND

CUM.

PERCENTAGE rp

407.08 318.02 466.04 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

407.08 725.10 1,191.14 2,610.68 4,215.12 5,071.15 7,017.42 7,565.18 8,905.44 9,572.20 9,572.20 9,577.71 9,577.71 9,577.71 10,061.58 10,061.58 10,207.79 11,221.85 11,221.85 11,430.69

11,430.69

BAND

CUM.

3.56 3.56 2.78 6.34 4.08 10.42 12.42 22.84 14.04 36.88 7.49 44.36 17.03 61.39 4.79 66.18 11.73 77.91 5.83 83.74 0.00 83.74 0.05 83.79 0.00 83.79 0.00 83.79 4.23 88.02 0.00 88.02 1.28 89.30 8.87 98.17 0.00 98.17 1.83 100.00

PERCENTAGE BAND

CUM

51.06 54.70 37.15 116.02 103.74 105.01 211.93 89.99 235.77 244.30 0.00 1.09 0.00 0.00 123.41 0.00 8.82 85.74 0.00 6.00

51.06 52.59 45.24 67.69 78.01 81.55 98.33 97.67 107.12 111.48 108.18 102.38 99.03 94.56 95.63 88.84 78.62 79.22 72.86 60.54 60.54

Page 70 of 180

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

15/12/2004

15/02/2005

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

874 588 424 160 138 41 23 23 8 3 1 2 4 3 5 3 1 2.301

874 1.462 1.886 2.046 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 6.95 88.92 6.00 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

117.05 192.52 277.86 203.45 222.05 90.96 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 1,478.47

117.05 309.57 587.44 790.89 1,012.94 1,103.90 1,187.13 1,228.27 1,265.58 1,273.05 1,274.73 1,296.54 1,336.64 1,369.98 1,369.98 1,382.49 1,475.49 1,475.49 1,478.47 1,478.47

BAND

7.92 13.02 18.79 13.76 15.02 6.15 5.63 2.78 2.52 0.51 0.11 1.48 2.71 2.26 0.00 0.85 6.29 0.00 0.20 0.00

CUM.

7.92 20.94 39.73 53.49 68.51 74.66 80.29 83.08 85.60 86.11 86.22 87.69 90.41 92.66 92.66 93.51 99.80 99.80 100.00 100.00

PERCENTAGE f

3 1 1 1 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 66.67 90.00 66.67 0.00 66.67 0.00 66.67 0.00 83.33 10.85 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 100.00 ,493.08 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 1,697.44

PERCENTAGE

BAND

CUM.

BAND

CUM

103.50 193.50 193.50 193.50 193.50 204.35 204.35 204.35 204.35 204.35 204.35 204.35 204.35 1,697.44 1,697.44 1,697.44 1,697.44 1,697.44 1,697.44 1,697.44

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

6.10 11.40 11.40 11.40 11.40 12.04 12.04 12.04 12.04 12.04 12.04 12.04 12.04 100.00 100.00 100.00 100.00 100.00 100.00 100.00

88.42 46.75 0.00 0.00 0.00 11.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4,478.12 0.00 0.00 0.00 0.00 0.00 0.00

88.42 62.51 32.94 24.47 19.10 18.51 17.21 16.64 16.15 16.05 16.03 15.76 15.29 123.90 123.90 122.78 115.04 115.04 114.81 114.81 114.81

Page 71 of 180

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 08

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2004

15/02/2005

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

1.266 1.117 1.163 621 611 266 209 143 81 40 34 31 41 40 18 35 23 11 15 2 5.767

1.266 2.383 3.546 4.167 4.778 5.044 5.253 5.396 5.477 5.517 5.551 5.582 5.623 5.663 5.681 5.716 5.739 5.750 5.765 5.767

BAND

CUM.

21.95 21.95 19.37 41.32 20.17 61.49 10.77 72.26 10.59 82.85 4.61 87.46 3.62 91.09 2.48 93.57 1.40 94.97 0.69 95.66 0.59 96.25 0.54 96.79 0.71 97.50 0.69 98.20 0.31 98.51 0.61 99.12 0.40 99.51 0.19 99.71 0.26 99.97 0.03 100.00

PERCENTAGE rp

580.94 580.94 265.21 846.14 607.28 1,453.43 481.95 1,935.38 736.24 2,671.62 502.27 3,173.90 593.83 3,767.73 517.34 4,285.07 362.34 4,647.41 214.57 4,861.98 273.46 5,135.44 227.53 5,362.96 427.58 5,790.54 382.22 6,172.75 197.45 6,370.20 1,127.18 7,497.39 1,253.94 8,751.33 1,605.71 10,357.04 1,161.12 11,518.16 91.24 11,609.40 11,609.40

BAND

5.00 2.28 5.23 4.15 6.34 4.33 5.12 4.46 3.12 1.85 2.36 1.96 3.68 3.29 1.70 9.71 10.80 13.83 10.00 0.79

CUM.

5.00 7.29 12.52 16.67 23.01 27.34 32.45 36.91 40.03 41.88 44.24 46.20 49.88 53.17 54.87 64.58 75.38 89.21 99.21 100.00

PERCENTAGE f

1 3 2 5 4 5 2 2 5 2 1 32

1 4 6 6 11 11 15 15 20 22 24 24 29 29 29 29 31 32 32 32

BAND

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

21.89 183.12 33.32 0.00 491.75 0.00 17.66 0.00 580.51 49.96 105.06 0.00 132.91 0.00 0.00 0.00 763.51 77.61 0.00 0.00

21.89 205.02 238.34 238.34 730.09 730.09 747.75 747.75 1,328.26 1,378.22 1,483.27 1,483.27 1,616.18 1,616.18 1,616.18 1,616.18 2,379.69 2,457.30 2,457.30 2,457.30

2,457.30

BAND

CUM.

0.89 0.89 7.45 8.34 1.36 9.70 0.00 9.70 20.01 29.71 0.00 29.71 0.72 30.43 0.00 30.43 23.62 54.05 2.03 56.09 4.28 60.36 0.00 60.36 5.41 65.77 0.00 65.77 0.00 65.77 0.00 65.77 31.07 96.84 3.16 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

CUM

3.77 69.05 5.49 0.00 66.79 0.00 2.97 0.00 160.21 23.28 38.42 0.00 31.08 0.00 0.00 0.00 60.89 4.83 0.00 0.00

3.77 24.23 16.40 12.31 27.33 23.00 19.85 17.45 28.58 28.35 28.88 27.66 27.91 26.18 25.37 21.56 27.19 23.73 21.33 21.17 21.17

Page 72 of 180

RISK AND LOSS PROFILE 2002 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2002

PROVINCE

: 09

DATA POSITION FROM TO PROCESSING

DATE

01/01/2002

15/12/2004

15/02/2005

DKI JAKARTA

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

LOSS RATIO

CLAIM SEVERITY (In Million Rp)

(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

14,434 18,000 28,547 18,694 20,110 9,971 7,145 5,234 2,736 1,457 1,161 1,252 847 1,015 678 955 780 344 382 118 127,416

14,434 32,434 60,981 79,675 99,785 109,756 110,457 115,691 118,427 119,884 121,045 122,297 123,144 124,159 124,837 125,792 126,572 126,916 127,298 127,416

BAND

CUM.

11.33 14.13 22.40 14.67 15.78 7.83 5.61 4.11 2.15 1.14 0.91 0.98 0.66 0.80 0.53 0.75 0.61 0.27 0.30 0.09

11.33 25.46 47.86 62.53 78.31 86.14 86.69 90.80 92.95 94.09 95.00 95.98 96.65 97.44 97.98 98.73 99.34 99.61 99.91 100.00

PERCENTAGE rp

11,898.76 3,686.280 9,331.040 9,865.930 16,674.74 12,632.90 14,530.01 15,271.35 10,258.27 7,137.48 6,618.47 7,981.49 7,167.91 11,416.35 8,654.37 18,745.30 23,446.71 20,748.00 12,037.52 29,134.51 257,237.39

BAND

CUM.

11,898.76 15,585.04 24,916.08 34,782.01 51,456.75 64,089.65 78,619.66 93,891.01 104,149.28 111,286.76 117,905.23 125,886.72 133,054.63 144,470.98 153,125.35 171,870.65 195,317.36 216,065.36 228,102.88 257,237.39

4.63 1.43 3.63 3.84 6.48 4.91 5.65 5.94 3.99 2.77 2.57 3.10 2.79 4.44 3.36 7.29 9.11 8.07 4.68 11.33

4.63 6.06 9.69 13.52 20.00 24.91 30.56 36.50 40.49 43.26 45.84 48.94 51.72 56.16 59.53 66.81 75.93 83.99 88.67 100.00

PERCENTAGE f

79 43 64 51 59 50 34 20 25 19 16 22 9 24 16 50 41 24 76 22 744

BAND

CUM.

79 122 186 237 296 346 380 400 425 444 460 482 491 515 531 581 622 646 722 744

10.62 5.78 8.60 6.85 7.93 6.72 4.57 2.69 3.36 2.55 2.15 2.96 1.21 3.23 2.15 6.72 5.51 3.23 10.22 2.96

10.62 16.40 25.00 31.85 39.78 46.51 51.08 53.76 57.12 59.68 61.83 64.78 65.99 69.22 71.37 78.09 83.60 86.83 97.04 100.00

PERCENTAGE rp

2,984.78 5,984.13 4,061.88 4,530.17 5,839.56 7,523.69 4,837.20 1,938.47 5,326.65 1,326.57 13,523.33 7,007.63 6,359.61 13,947.03 1,886.22 12,530.24 13,242.88 879.90 5,468.90 6,039.93 125,238.77

PERCENTAGE

2,984.78 8,968.91 13,030.79 17,560.96 23,400.52 30,924.21 35,761.41 37,699.88 43,026.53 44,353.10 57,876.43 64,884.06 71,243.67 85,190.70 87,076.92 99,607.16 112,850.04 113,729.94 119,198.84 125,238.77

2.38 4.78 3.24 3.62 4.66 6.01 3.86 1.55 4.25 1.06 10.80 5.60 5.08 11.14 1.51 10.01 10.57 0.70 4.37 4.82

2.38 7.16 10.40 14.02 18.68 24.69 28.55 30.10 34.36 35.41 46.21 51.81 56.89 68.02 69.53 79.53 90.11 90.81 95.18 100.00

25.08 162.34 43.53 45.92 35.02 59.56 33.29 12.69 51.93 18.59 204.33 87.80 88.72 122.17 21.80 66.84 56.48 4.24 45.43 20.73

25.08 57.55 52.30 50.49 45.48 48.25 45.49 40.15 41.31 39.85 49.09 51.54 53.54 58.97 56.87 57.95 57.78 52.64 52.26 48.69 48.69

Page 73 of 180

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

15/12/2004

15/02/2005

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

19.806 16.686 17.797 8.460 7.532 3.367 2.571 1.999 1.186 763 599 792 557 789 560 962 979 447 447 150

19.806 36.492 54.289 62.749 70.281 73.648 76.219 78.218 79.404 80.167 80.766 81.558 82.115 82.904 83.464 84.426 85.405 85.852 86.299 86.449

86.449

BAND

CUM.

22.91 22.91 19.30 42.21 20.59 62.80 9.79 72.58 8.71 81.30 3.89 85.19 2.97 88.17 2.31 90.48 1.37 91.85 0.88 92.73 0.69 93.43 0.92 94.34 0.64 94.99 0.91 95.90 0.65 96.55 1.11 97.66 1.13 98.79 0.52 99.31 0.52 99.83 0.17 100.00

PERCENTAGE rp

8,924.55 3,136.91 6,455.24 5,626.30 8,630.48 5,645.48 6,380.56 6,370.87 5,289.78 4,135.60 3,521.08 5,830.63 6,002.25 10,410.47 7,824.12 21,180.02 39,039.78 33,179.94 60,692.08 15,795.33

8,924.55 12,061.46 18,516.70 24,142.99 32,773.48 38,418.96 44,799.52 51,170.39 56,460.17 60,595.77 64,116.85 69,947.48 75,949.74 86,360.21 94,184.33 115,364.35 154,404.13 187,584.07 248,276.15 264,071.48

264,071.48

BAND

CUM.

3.38 3.38 1.19 4.57 2.44 7.01 2.13 9.14 3.27 12.41 2.14 14.55 2.42 16.96 2.41 19.38 2.00 21.38 1.57 22.95 1.33 24.28 2.21 26.49 2.27 28.76 3.94 32.70 2.96 35.67 8.02 43.69 14.78 58.47 12.56 71.04 22.98 94.02 5.98 100.00

PERCENTAGE f

41 27 34 19 41 13 10 13 10 6 11 15 5 33 12 45 61 44 44 26 ###

BAND

CUM.

41 8.04 8.04 68 5.29 13.33 102 6.67 20.00 121 3.73 23.73 162 8.04 31.76 175 2.55 34.31 185 1.96 36.27 198 2.55 38.82 208 1.96 40.78 214 1.18 41.96 225 2.16 44.12 240 2.94 47.06 245 0.98 48.04 278 6.47 54.51 290 2.35 56.86 335 8.82 65.69 396 11.96 77.65 440 8.63 86.27 484 8.63 94.90 510 5.10 100.00

PERCENTAGE rp

10,915.10 1,512.57 2,174.19 939.82 1,166.03 2,660.54 1,264.77 2,815.51 1,596.75 491.65 2,538.49 4,234.68 84.81 10,647.68 788.24 12,481.06 16,646.55 13,657.37 16,442.93 3,841.89

10,915.10 12,427.67 14,601.86 15,541.67 16,707.70 19,368.24 20,633.01 23,448.51 25,045.26 25,536.90 28,075.40 32,310.08 32,394.89 43,042.57 43,830.81 56,311.87 72,958.42 86,615.79 103,058.72 106,900.61

106,900.61

BAND

CUM.

10.21 10.21 1.41 11.63 2.03 13.66 0.88 14.54 1.09 15.63 2.49 18.12 1.18 19.30 2.63 21.93 1.49 23.43 0.46 23.89 2.37 26.26 3.96 30.22 0.08 30.30 9.96 40.26 0.74 41.00 11.68 52.68 15.57 68.25 12.78 81.02 15.38 96.41 3.59 100.00

PERCENTAGE BAND

CUM

122.30 48.22 33.68 16.70 13.51 47.13 19.82 44.19 30.19 11.89 72.09 72.63 1.41 102.28 10.07 58.93 42.64 41.16 27.09 24.32

122.30 103.04 78.86 64.37 50.98 50.41 46.06 45.82 44.36 42.14 43.79 46.19 42.65 49.84 46.54 48.81 47.25 46.17 41.51 40.48 40.48

Page 74 of 180

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

15/12/2004

15/02/2005

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

7.126 3.956 3.646 1.820 1.954 1.057 807 674 405 208 189 218 154 201 138 177 169 78 55 26 23.058

7.126 11.082 14.728 16.548 18.502 19.559 20.366 21.040 21.445 21.653 21.842 22.060 22.214 22.415 22.553 22.730 22.899 22.977 23.032 23.058

BAND

CUM.

30.90 30.90 17.16 48.06 15.81 63.87 7.89 71.77 8.47 80.24 4.58 84.83 3.50 88.33 2.92 91.25 1.76 93.00 0.90 93.91 0.82 94.73 0.95 95.67 0.67 96.34 0.87 97.21 0.60 97.81 0.77 98.58 0.73 99.31 0.34 99.65 0.24 99.89 0.11 100.00

PERCENTAGE rp

2,642.13 935.00 1,812.38 1,476.25 2,539.76 2,081.99 2,319.07 2,512.53 1,992.67 1,133.88 1,287.04 1,653.11 1,894.75 2,573.44 1,981.71 3,076.44 3,722.85 5,188.87 6,310.65 2,844.71

2,642.13 3,577.13 5,389.51 6,865.76 9,405.52 11,487.51 13,806.58 16,319.10 18,311.77 19,445.66 20,732.69 22,385.80 24,280.55 26,853.99 28,835.70 31,912.14 35,634.99 40,823.86 47,134.50 49,979.21

49,979.21

BAND

5.29 1.87 3.63 2.95 5.08 4.17 4.64 5.03 3.99 2.27 2.58 3.31 3.79 5.15 3.97 6.16 7.45 10.38 12.63 5.69

CUM.

5.29 7.16 10.78 13.74 18.82 22.98 27.62 32.65 36.64 38.91 41.48 44.79 48.58 53.73 57.70 63.85 71.30 81.68 94.31 100.00

PERCENTAGE f

9 4 8 4 7 4 7 6 2 5 6 1 3 7 18 7 6 16 8 1 129

9 13 21 25 32 36 43 49 51 56 62 63 66 73 91 98 104 120 128 129

BAND

CUM.

6.98 6.98 3.10 10.08 6.20 16.28 3.10 19.38 5.43 24.81 3.10 27.91 5.43 33.33 4.65 37.98 1.55 39.53 3.88 43.41 4.65 48.06 0.78 48.84 2.33 51.16 5.43 56.59 13.95 70.54 5.43 75.97 4.65 80.62 12.40 93.02 6.20 99.22 0.78 100.00

PERCENTAGE rp

180.44 244.81 350.24 518.73 659.21 606.98 112.01 26.72 68.06 3,124.78 1,147.26 11.90 296.73 40.61 161.05 151.62 13.87 77.59 883.23 260.32 8,936.18

180.44 425.26 775.50 1,294.23 1,953.44 2,560.43 2,672.44 2,699.16 2,767.22 5,892.00 7,039.25 7,051.15 7,347.88 7,388.49 7,549.55 7,701.17 7,715.05 7,792.64 8,675.86 8,936.18

BAND

PERCENTAGE

CUM.

BAND

2.02 2.02 2.74 4.76 3.92 8.68 5.80 14.48 7.38 21.86 6.79 28.65 1.25 29.91 0.30 30.20 0.76 30.97 34.97 65.93 12.84 78.77 0.13 78.91 3.32 82.23 0.45 82.68 1.80 84.48 1.70 86.18 0.16 86.33 0.87 87.20 9.88 97.09 2.91 100.00

6.83 26.18 19.32 35.14 25.96 29.15 4.83 1.06 3.42 275.58 89.14 0.72 15.66 1.58 8.13 4.93 0.37 1.50 14.00 9.15

CUM

6.83 11.89 14.39 18.85 20.77 22.29 19.36 16.54 15.11 30.30 33.95 31.50 30.26 27.51 26.18 24.13 21.65 19.09 18.41 17.88 17.88

Page 75 of 180

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

15/12/2004

15/02/2005

DI YOGYAKARTA

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

707 591 544 309 345 123 105 97 55 38 21 29 15 36 11 22 24 4 4 1 3.081

707 1.298 1.842 2.151 2.496 2.619 2.724 2.821 2.876 2.914 2.935 2.964 2.979 3.015 3.026 3.048 3.072 3.076 3.080 3.081

BAND

CUM.

22.95 22.95 19.18 42.13 17.66 59.79 10.03 69.81 11.20 81.01 3.99 85.00 3.41 88.41 3.15 91.56 1.79 93.35 1.23 94.58 0.68 95.26 0.94 96.20 0.49 96.69 1.17 97.86 0.36 98.21 0.71 98.93 0.78 99.71 0.13 99.84 0.13 99.97 0.03 100.00

PERCENTAGE rp

101.58 111.81 208.00 194.29 356.50 189.15 240.77 357.26 183.55 201.97 108.39 91.59 115.06 380.69 148.91 278.39 334.21 52.12 645.99 381.18 4,681.43

101.58 213.39 421.39 615.68 972.18 1,161.33 1,402.10 1,759.36 1,942.91 2,144.89 2,253.28 2,344.88 2,459.93 2,840.62 2,989.53 3,267.92 3,602.14 3,654.25 4,300.24 4,681.43

BAND

2.17 2.39 4.44 4.15 7.62 4.04 5.14 7.63 3.92 4.31 2.32 1.96 2.46 8.13 3.18 5.95 7.14 1.11 13.80 8.14

CUM.

2.17 4.56 9.00 13.15 20.77 24.81 29.95 37.58 41.50 45.82 48.13 50.09 52.55 60.68 63.86 69.81 76.95 78.06 91.86 100.00

PERCENTAGE f

1 1 3 2 1 1 1 2 12

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

CUM

1 2 5 7 8 8 8 9 9 9 9 9 10 10 10 10 12 12 12 12

8.33 8.33 25.00 16.67 8.33 0.00 0.00 8.33 0.00 0.00 0.00 0.00 8.33 0.00 0.00 0.00 16.67 0.00 0.00 0.00

8.33 16.67 41.67 58.33 66.67 66.67 66.67 75.00 75.00 75.00 75.00 75.00 83.33 83.33 83.33 83.33 100.00 100.00 100.00 100.00

109.29 17.50 112.24 100.75 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

109.29 126.79 239.04 339.78 410.08 410.08 410.08 485.75 485.75 485.75 485.75 485.75 559.67 559.67 559.67 559.67 608.80 608.80 608.80 608.80

17.95 2.87 18.44 16.55 11.55 0.00 0.00 12.43 0.00 0.00 0.00 0.00 12.14 0.00 0.00 0.00 8.07 0.00 0.00 0.00

17.95 20.83 39.26 55.81 67.36 67.36 67.36 79.79 79.79 79.79 79.79 79.79 91.93 91.93 91.93 91.93 100.00 100.00 100.00 100.00

107.59 15.65 53.96 51.85 19.72 0.00 0.00 21.18 0.00 0.00 0.00 0.00 64.24 0.00 0.00 0.00 14.70 0.00 0.00 0.00

107.59 59.42 56.73 55.19 42.18 35.31 29.25 27.61 25.00 22.65 21.56 20.72 22.75 19.70 18.72 17.13 16.90 16.66 14.16 13.00

608.80

13.00

Page 76 of 180

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

15/12/2004

15/02/2005

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

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 TOTAL

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

10,116 6,785 7,392 4,041 4,096 2,205 1,742 1,397 845 490 402 451 327 398 255 372 291 126 104 52

10,116 16,901 24,293 28,334 32,430 34,635 36,377 37,774 38,619 39,109 39,511 39,962 40,289 40,687 40,942 41,314 41,605 41,731 41,835 41,887

41,887

BAND

CUM.

24.15 24.15 16.20 40.35 17.65 58.00 9.65 67.64 9.78 77.42 5.26 82.69 4.16 86.85 3.34 90.18 2.02 92.20 1.17 93.37 0.96 94.33 1.08 95.40 0.78 96.18 0.95 97.14 0.61 97.74 0.89 98.63 0.69 99.33 0.30 99.63 0.25 99.88 0.12 100.00

PERCENTAGE rp

BAND

CUM.

4,673.16 1,419.83 2,968.87 2,585.83 4,743.75 3,559.39 4,342.08 4,596.81 4,079.07 2,740.82 2,805.44 3,480.05 3,013.81 5,181.06 4,251.71 8,960.66 11,524.50 10,306.15 16,933.78 9,705.32

4,673.16 6,092.99 9,061.86 11,647.69 16,391.44 19,950.83 24,292.91 28,889.72 32,968.79 35,709.62 38,515.06 41,995.11 45,008.92 50,189.98 54,441.69 63,402.35 74,926.85 85,233.00 102,166.78 111,872.10

4.18 1.27 2.65 2.31 4.24 3.18 3.88 4.11 3.65 2.45 2.51 3.11 2.69 4.63 3.80 8.01 10.30 9.21 15.14 8.68

4.18 5.45 8.10 10.41 14.65 17.83 21.71 25.82 29.47 31.92 34.43 37.54 40.23 44.86 48.66 56.67 66.98 76.19 91.32 100.00

111,872.10

PERCENTAGE f

33 2 12 8 10 6 10 12 10 9 8 3 3 10 11 21 11 7 11 11 208

BAND

CUM.

33 15.87 15.87 35 0.96 16.83 47 5.77 22.60 55 3.85 26.44 65 4.81 31.25 71 2.88 34.13 81 4.81 38.94 93 5.77 44.71 103 4.81 49.52 112 4.33 53.85 120 3.85 57.69 123 1.44 59.13 126 1.44 60.58 136 4.81 65.38 147 5.29 70.67 168 10.10 80.77 179 5.29 86.06 186 3.37 89.42 197 5.29 94.71 208 5.29 100.00

PERCENTAGE rp

6,223.48 58.72 405.31 442.30 4,093.18 712.86 1,217.03 477.86 2,817.25 1,422.05 702.19 1.47 35.44 6,308.70 255.12 9,889.11 2,276.83 3,185.99 19,429.10 3,434.57

6,223.48 6,282.21 6,687.51 7,129.81 11,222.99 11,935.85 13,152.88 13,630.74 16,447.99 17,870.04 18,572.23 18,573.70 18,609.14 24,917.84 25,172.96 35,062.07 37,338.90 40,524.89 59,954.00 63,388.56

63,388.56

BAND

CUM.

9.82 9.82 0.09 9.91 0.64 10.55 0.70 11.25 6.46 17.71 1.12 18.83 1.92 20.75 0.75 21.50 4.44 25.95 2.24 28.19 1.11 29.30 0.00 29.30 0.06 29.36 9.95 39.31 0.40 39.71 15.60 55.31 3.59 58.90 5.03 63.93 30.65 94.58 5.42 100.00

PERCENTAGE BAND

CUM

133.17 4.14 13.65 17.10 86.29 20.03 28.03 10.40 69.07 51.88 25.03 0.04 1.18 121.76 6.00 110.36 19.76 30.91 114.74 35.39

133.17 103.11 73.80 61.21 68.47 59.83 54.14 47.18 49.89 50.04 48.22 44.23 41.35 49.65 46.24 55.30 49.83 47.55 58.68 56.66 56.66

Page 77 of 180

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

15/12/2004

15/02/2005

KALIMANTAN 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

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

7.082 6.343 3.513 1.117 824 231 174 105 60 20 18 30 16 14 8 17 23 6 7 6 19.614

7.082 13.425 16.938 18.055 18.879 19.110 19.284 19.389 19.449 19.469 19.487 19.517 19.533 19.547 19.555 19.572 19.595 19.601 19.608 19.614

BAND

CUM.

36.11 36.11 32.34 68.45 17.91 86.36 5.69 92.05 4.20 96.25 1.18 97.43 0.89 98.32 0.54 98.85 0.31 99.16 0.10 99.26 0.09 99.35 0.15 99.51 0.08 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

4,344.43 3,160.66 3,609.20 1,860.77 2,398.25 919.81 891.11 606.10 452.75 128.57 220.39 413.79 341.58 588.95 201.71 289.92 1,331.47 659.72 697.59 66.97 23,183.74

4,344.43 7,505.10 11,114.30 12,975.07 15,373.31 16,293.12 17,184.24 17,790.34 18,243.09 18,371.66 18,592.05 19,005.84 19,347.42 19,936.36 20,138.07 20,427.99 21,759.46 22,419.18 23,116.77 23,183.74

BAND

18.74 13.63 15.57 8.03 10.34 3.97 3.84 2.61 1.95 0.55 0.95 1.78 1.47 2.54 0.87 1.25 5.74 2.85 3.01 0.29

CUM.

18.74 32.37 47.94 55.97 66.31 70.28 74.12 76.74 78.69 79.24 80.19 81.98 83.45 85.99 86.86 88.11 93.86 96.70 99.71 100.00

PERCENTAGE f

31 29 21 12 2 1 3 1 3 1 1 4 3 112

31 60 81 93 95 96 99 100 103 103 104 105 105 105 105 105 105 109 112 112

BAND

CUM.

27.68 27.68 25.89 53.57 18.75 72.32 10.71 83.04 1.79 84.82 0.89 85.71 2.68 88.39 0.89 89.29 2.68 91.96 0.00 91.96 0.89 92.86 0.89 93.75 0.00 93.75 0.00 93.75 0.00 93.75 0.00 93.75 0.00 93.75 3.57 97.32 2.68 100.00 0.00 100.00

PERCENTAGE rp

1,698.47 1,440.72 1,771.13 998.04 1,737.47 0.62 1,830.36 50.00 1,646.42 0.00 2,115.83 2,242.83 0.00 0.00 0.00 0.00 0.00 2,787.70 449.60 0.00

1,698.47 3,139.19 4,910.32 5,908.35 7,645.83 7,646.45 9,476.80 9,526.80 11,173.22 11,173.22 13,289.06 15,531.89 15,531.89 15,531.89 15,531.89 15,531.89 15,531.89 18,319.58 18,769.18 18,769.18

18,769.18

BAND

PERCENTAGE

CUM.

BAND

9.05 9.05 7.68 16.73 9.44 26.16 5.32 31.48 9.26 40.74 0.00 40.74 9.75 50.49 0.27 50.76 8.77 59.53 0.00 59.53 11.27 70.80 11.95 82.75 0.00 82.75 0.00 82.75 0.00 82.75 0.00 82.75 0.00 82.75 14.85 97.60 2.40 100.00 0.00 100.00

39.10 45.58 49.07 53.64 72.45 0.07 205.40 8.25 363.65 0.00 960.02 542.02 0.00 0.00 0.00 0.00 0.00 422.56 64.45 0.00

CUM

39.10 41.83 44.18 45.54 49.73 46.93 55.15 53.55 61.25 60.82 71.48 81.72 80.28 77.91 77.13 76.03 71.38 81.71 81.19 80.96 80.96

Page 78 of 180

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

15/12/2004

15/02/2005

KALIMANTAN 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

937 579 484 228 283 104 59 40 19 8 4 12 5 4 2 10 9 3 2.790

937 1.516 2.000 2.228 2.511 2.615 2.674 2.714 2.733 2.741 2.745 2.757 2.762 2.766 2.768 2.778 2.787 2.787 2.790 2.790

BAND

CUM.

33.58 33.58 20.75 54.34 17.35 71.68 8.17 79.86 10.14 90.00 3.73 93.73 2.11 95.84 1.43 97.28 0.68 97.96 0.29 98.24 0.14 98.39 0.43 98.82 0.18 99.00 0.14 99.14 0.07 99.21 0.36 99.57 0.32 99.89 0.00 99.89 0.11 100.00 0.00 100.00

PERCENTAGE rp

521.44 260.38 407.96 321.37 614.23 313.17 255.43 216.34 164.87 24.67 20.28 171.42 215.73 116.07 18.52 477.42 719.98 0.00 5.30 0.00 4,844.57

521.44 781.82 1,189.78 1,511.15 2,125.38 2,438.55 2,693.98 2,910.32 3,075.20 3,099.86 3,120.14 3,291.56 3,507.29 3,623.36 3,641.88 4,119.30 4,839.28 4,839.28 4,844.57 4,844.57

BAND

10.76 5.37 8.42 6.63 12.68 6.46 5.27 4.47 3.40 0.51 0.42 3.54 4.45 2.40 0.38 9.85 14.86 0.00 0.11 0.00

CUM.

10.76 16.14 24.56 31.19 43.87 50.34 55.61 60.07 63.48 63.99 64.40 67.94 72.40 74.79 75.17 85.03 99.89 99.89 100.00 100.00

PERCENTAGE f

7 6 4 2 1 1 1 1 1 1 25

PERCENTAGE

BAND

CUM.

BAND

CUM.

7 13 17 19 20 20 21 21 22 22 22 23 24 24 24 25 25 25 25 25

28.00 24.00 16.00 8.00 4.00 0.00 4.00 0.00 4.00 0.00 0.00 4.00 4.00 0.00 0.00 4.00 0.00 0.00 0.00 0.00

28.00 52.00 68.00 76.00 80.00 80.00 84.00 84.00 88.00 88.00 88.00 92.00 96.00 96.00 96.00 100.00 100.00 100.00 100.00 100.00

177.41 340.41 501.75 255.39 315.00 0.00 356.22 0.00 20.05 0.00 0.00 0.00 2,151.33 0.00 0.00 1,065.13 0.00 0.00 0.00 0.00

177.41 517.82 1,019.57 1,274.96 1,589.96 1,589.96 1,946.18 1,946.18 1,966.23 1,966.23 1,966.23 1,966.23 4,117.56 4,117.56 4,117.56 5,182.69 5,182.69 5,182.69 5,182.69 5,182.69

3.42 6.57 9.68 4.93 6.08 0.00 6.87 0.00 0.39 0.00 0.00 0.00 41.51 0.00 0.00 20.55 0.00 0.00 0.00 0.00

3.42 9.99 19.67 24.60 30.68 30.68 37.55 37.55 37.94 37.94 37.94 37.94 79.45 79.45 79.45 100.00 100.00 100.00 100.00 100.00

5,182.69

PERCENTAGE BAND

34.02 130.74 122.99 79.47 51.28 0.00 139.46 0.00 12.16 0.00 0.00 0.00 997.22 0.00 0.00 223.10 0.00 0.00 0.00 0.00

CUM

34.02 66.23 85.69 84.37 74.81 65.20 72.24 66.87 63.94 63.43 63.02 59.74 117.40 113.64 113.06 125.81 107.10 107.10 106.98 106.98 106.98

Page 79 of 180

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

15/12/2004

15/02/2005

KALIMANTAN 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

2.643 1.443 1.074 479 510 222 165 127 68 39 33 35 20 27 16 18 18 12 14 2 6.965

2.643 4.086 5.160 5.639 6.149 6.371 6.536 6.663 6.731 6.770 6.803 6.838 6.858 6.885 6.901 6.919 6.937 6.949 6.963 6.965

BAND

CUM.

37.95 37.95 20.72 58.66 15.42 74.08 6.88 80.96 7.32 88.28 3.19 91.47 2.37 93.84 1.82 95.66 0.98 96.64 0.56 97.20 0.47 97.67 0.50 98.18 0.29 98.46 0.39 98.85 0.23 99.08 0.26 99.34 0.26 99.60 0.17 99.77 0.20 99.97 0.03 100.00

PERCENTAGE rp

962.33 377.59 588.42 465.18 872.76 573.53 705.84 617.00 430.39 200.15 216.40 341.14 185.64 356.59 339.69 635.22 953.29 1,852.59 7,064.61 261.56

962.33 1,339.93 1,928.34 2,393.52 3,266.28 3,839.81 4,545.66 5,162.66 5,593.04 5,793.19 6,009.59 6,350.73 6,536.37 6,892.97 7,232.66 7,867.88 8,821.17 10,673.75 17,738.37 17,999.93

17,999.93

BAND

5.35 2.10 3.27 2.58 4.85 3.19 3.92 3.43 2.39 1.11 1.20 1.90 1.03 1.98 1.89 3.53 5.30 10.29 39.25 1.45

CUM.

5.35 7.44 10.71 13.30 18.15 21.33 25.25 28.68 31.07 32.18 33.39 35.28 36.31 38.29 40.18 43.71 49.01 59.30 98.55 100.00

PERCENTAGE f

6 2 2 1 4 1 2 2 1 2 1 4 4 2 34

6 8 10 11 15 16 18 20 20 20 21 23 23 24 24 24 28 32 34 34

BAND

CUM.

17.65 17.65 5.88 23.53 5.88 29.41 2.94 32.35 11.76 44.12 2.94 47.06 5.88 52.94 5.88 58.82 0.00 58.82 0.00 58.82 2.94 61.76 5.88 67.65 0.00 67.65 2.94 70.59 0.00 70.59 0.00 70.59 11.76 82.35 11.76 94.12 5.88 100.00 0.00 100.00

PERCENTAGE rp

1,110.26 231.88 90.00 35.95 862.11 240.00 19.04 1,974.94 0.00 0.00 1.66 50.56 0.00 218.11 0.00 0.00 699.03 1,946.17 870.99 0.00

1,110.26 1,342.14 1,432.14 1,468.09 2,330.20 2,570.20 2,589.24 4,564.18 4,564.18 4,564.18 4,565.85 4,616.41 4,616.41 4,834.52 4,834.52 4,834.52 5,533.55 7,479.72 8,350.71 8,350.71

8,350.71

BAND

CUM.

13.30 13.30 2.78 16.07 1.08 17.15 0.43 17.58 10.32 27.90 2.87 30.78 0.23 31.01 23.65 54.66 0.00 54.66 0.00 54.66 0.02 54.68 0.61 55.28 0.00 55.28 2.61 57.89 0.00 57.89 0.00 57.89 8.37 66.26 23.31 89.57 10.43 100.00 0.00 100.00

PERCENTAGE BAND

CUM

115.37 61.41 15.30 7.73 98.78 41.85 2.70 320.09 0.00 0.00 0.77 14.82 0.00 61.17 0.00 0.00 73.33 105.05 12.33 0.00

115.37 100.17 74.27 61.34 71.34 66.94 56.96 88.41 81.60 78.79 75.98 72.69 70.63 70.14 66.84 61.45 62.73 70.08 47.08 46.39 46.39

Page 80 of 180

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

15/12/2004

15/02/2005

KALIMANTAN 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

1.859 1.978 2.150 1.103 1.055 439 340 230 127 56 74 63 38 55 28 44 39 16 12 8 9.714

1.859 3.837 5.987 7.090 8.145 8.584 8.924 9.154 9.281 9.337 9.411 9.474 9.512 9.567 9.595 9.639 9.678 9.694 9.706 9.714

BAND

CUM.

19.14 19.14 20.36 39.50 22.13 61.63 11.35 72.99 10.86 83.85 4.52 88.37 3.50 91.87 2.37 94.24 1.31 95.54 0.58 96.12 0.76 96.88 0.65 97.53 0.39 97.92 0.57 98.49 0.29 98.77 0.45 99.23 0.40 99.63 0.16 99.79 0.12 99.92 0.08 100.00

PERCENTAGE rp

652.53 592.41 1,246.53 1,178.02 1,760.60 1,147.53 968.52 930.16 524.54 351.14 343.12 404.74 453.58 704.04 288.17 729.79 1,012.97 1,385.26 5,485.01 5,924.74

652.53 1,244.94 2,491.47 3,669.48 5,430.08 6,577.62 7,546.13 8,476.29 9,000.83 9,351.96 9,695.08 10,099.82 10,553.41 11,257.44 11,545.61 12,275.40 13,288.37 14,673.64 20,158.65 26,083.39

26,083.39

BAND

2.50 2.27 4.78 4.52 6.75 4.40 3.71 3.57 2.01 1.35 1.32 1.55 1.74 2.70 1.10 2.80 3.88 5.31 21.03 22.71

CUM.

2.50 4.77 9.55 14.07 20.82 25.22 28.93 32.50 34.51 35.85 37.17 38.72 40.46 43.16 44.26 47.06 50.95 56.26 77.29 100.00

PERCENTAGE f

6 5 4 3 3 2 4 1 3 1 1 1 2 1 2 1 2 42

BAND

CUM.

6 11 15 18 21 23 27 28 31 32 33 34 34 36 36 37 39 40 40 42

14.29 14.29 11.90 26.19 9.52 35.71 7.14 42.86 7.14 50.00 4.76 54.76 9.52 64.29 2.38 66.67 7.14 73.81 2.38 76.19 2.38 78.57 2.38 80.95 0.00 80.95 4.76 85.71 0.00 85.71 2.38 88.10 4.76 92.86 2.38 95.24 0.00 95.24 4.76 100.00

PERCENTAGE rp

4,170.87 321.91 391.79 690.30 807.37 11.20 518.00 0.80 317.59 1,721.93 7.00 996.36 0.00 1,842.33 0.00 471.68 637.11 0.00 0.00 127.71

4,170.87 4,492.78 4,884.57 5,574.87 6,382.24 6,393.44 6,911.44 6,912.24 7,229.83 8,951.76 8,958.76 9,955.12 9,955.12 11,797.45 11,797.45 12,269.14 12,906.25 12,906.25 12,906.25 13,033.95

13,033.95

BAND

PERCENTAGE

CUM.

32.00 32.00 2.47 34.47 3.01 37.48 5.30 42.77 6.19 48.97 0.09 49.05 3.97 53.03 0.01 53.03 2.44 55.47 13.21 68.68 0.05 68.73 7.64 76.38 0.00 76.38 14.13 90.51 0.00 90.51 3.62 94.13 4.89 99.02 0.00 99.02 0.00 99.02 0.98 100.00

BAND

CUM

639.18 54.34 31.43 58.60 45.86 0.98 53.48 0.09 60.55 490.39 2.04 246.17 0.00 261.68 0.00 64.63 62.90 0.00 0.00 2.16

639.18 360.88 196.05 151.93 117.53 97.20 91.59 81.55 80.32 95.72 92.41 98.57 94.33 104.80 102.18 99.95 97.12 87.96 64.02 49.97 49.97

Page 81 of 180

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

15/12/2004

15/02/2005

SULAWESI 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

1.678 1.243 1.203 612 633 327 225 154 73 33 19 22 26 32 10 8 8 3 1 2 6.312

1.678 2.921 4.124 4.736 5.369 5.696 5.921 6.075 6.148 6.181 6.200 6.222 6.248 6.280 6.290 6.298 6.306 6.309 6.310 6.312

BAND

CUM.

26.58 26.58 19.69 46.28 19.06 65.34 9.70 75.03 10.03 85.06 5.18 90.24 3.56 93.81 2.44 96.25 1.16 97.40 0.52 97.92 0.30 98.23 0.35 98.57 0.41 98.99 0.51 99.49 0.16 99.65 0.13 99.78 0.13 99.90 0.05 99.95 0.02 99.97 0.03 100.00

PERCENTAGE rp

1,101.60 277.55 549.22 428.34 821.06 650.21 705.12 616.10 394.15 212.48 130.12 190.43 288.28 314.26 145.86 125.89 135.83 73.28 3.82 16.26

1,101.60 1,379.15 1,928.37 2,356.71 3,177.77 3,827.97 4,533.10 5,149.19 5,543.34 5,755.82 5,885.94 6,076.37 6,364.65 6,678.91 6,824.77 6,950.67 7,086.50 7,159.78 7,163.59 7,179.85

7,179.85

BAND

15.34 3.87 7.65 5.97 11.44 9.06 9.82 8.58 5.49 2.96 1.81 2.65 4.02 4.38 2.03 1.75 1.89 1.02 0.05 0.23

CUM.

15.34 19.21 26.86 32.82 44.26 53.32 63.14 71.72 77.21 80.17 81.98 84.63 88.65 93.02 95.05 96.81 98.70 99.72 99.77 100.00

PERCENTAGE f

3 5 5 4 1 1 2 1 1 23

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

3 8 13 17 18 19 19 19 19 19 21 22 22 22 22 22 23 23 23 23

13.04 21.74 21.74 17.39 4.35 4.35 0.00 0.00 0.00 0.00 8.70 4.35 0.00 0.00 0.00 0.00 4.35 0.00 0.00 0.00

13.04 34.78 56.52 73.91 78.26 82.61 82.61 82.61 82.61 82.61 91.30 95.65 95.65 95.65 95.65 95.65 100.00 100.00 100.00 100.00

56.75 158.96 279.88 607.85 261.45 0.00 0.00 0.00 0.00 0.00 4,167.28 11.51 0.00 0.00 0.00 0.00 7.39 0.00 0.00 0.00

56.75 215.71 495.59 1,103.44 1,364.89 1,364.89 1,364.89 1,364.89 1,364.89 1,364.89 5,532.17 5,543.68 5,543.68 5,543.68 5,543.68 5,543.68 5,551.07 5,551.07 5,551.07 5,551.07

1.02 2.86 5.04 10.95 4.71 0.00 0.00 0.00 0.00 0.00 75.07 0.21 0.00 0.00 0.00 0.00 0.13 0.00 0.00 0.00

1.02 3.89 8.93 19.88 24.59 24.59 24.59 24.59 24.59 24.59 99.66 99.87 99.87 99.87 99.87 99.87 100.00 100.00 100.00 100.00

5.15 57.27 50.96 141.91 31.84 0.00 0.00 0.00 0.00 0.00 3,202.75 6.04 0.00 0.00 0.00 0.00 5.44 0.00 0.00 0.00

5,551.07

CUM

5.15 15.64 25.70 46.82 42.95 35.66 30.11 26.51 24.62 23.71 93.99 91.23 87.10 83.00 81.23 79.76 78.33 77.53 77.49 77.31 77.31

Page 82 of 180

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

15/12/2004

15/02/2005

SULAWESI 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

1.048 710 743 374 400 201 108 76 34 18 12 14 6 7 3 13 2 1 3.770

1.048 1.758 2.501 2.875 3.275 3.476 3.584 3.660 3.694 3.712 3.724 3.738 3.744 3.751 3.754 3.767 3.769 3.770 3.770 3.770

BAND

CUM.

27.80 27.80 18.83 46.63 19.71 66.34 9.92 76.26 10.61 86.87 5.33 92.20 2.86 95.07 2.02 97.08 0.90 97.98 0.48 98.46 0.32 98.78 0.37 99.15 0.16 99.31 0.19 99.50 0.08 99.58 0.34 99.92 0.05 99.97 0.03 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

165.39 196.88 429.49 366.13 618.40 420.69 364.28 277.23 134.65 95.29 96.69 133.86 67.36 69.17 42.37 373.49 87.03 222.50 0.00 0.00 4,160.89

165.39 362.27 791.76 1,157.89 1,776.29 2,196.98 2,561.25 2,838.49 2,973.13 3,068.43 3,165.11 3,298.98 3,366.33 3,435.51 3,477.87 3,851.36 3,938.39 4,160.89 4,160.89 4,160.89

BAND

3.97 4.73 10.32 8.80 14.86 10.11 8.75 6.66 3.24 2.29 2.32 3.22 1.62 1.66 1.02 8.98 2.09 5.35 0.00 0.00

CUM.

3.97 8.71 19.03 27.83 42.69 52.80 61.56 68.22 71.45 73.74 76.07 79.29 80.90 82.57 83.58 92.56 94.65 100.00 100.00 100.00

PERCENTAGE f

1 1 1 2 1 1 2 9

1 2 3 3 5 6 7 9 9 9 9 9 9 9 9 9 9 9 9 9

PERCENTAGE

BAND

CUM.

BAND

CUM.

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

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

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

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

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

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

1,425.72

PERCENTAGE BAND

CUM

17.69 45.71 34.82 0.00 46.82 97.38 79.80 60.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

17.69 32.92 33.95 23.22 31.43 44.06 49.14 50.23 47.95 46.46 45.04 43.22 42.35 41.50 40.99 37.02 36.20 34.26 34.26 34.26 34.26

Page 83 of 180

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

15/12/2004

15/02/2005

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

2.074 1.667 1.648 743 623 247 229 146 94 54 47 54 38 41 32 38 23 14 7 11 7.830

2.074 3.741 5.389 6.132 6.755 7.002 7.231 7.377 7.471 7.525 7.572 7.626 7.664 7.705 7.737 7.775 7.798 7.812 7.819 7.830

BAND

CUM.

26.49 26.49 21.29 47.78 21.05 68.83 9.49 78.31 7.96 86.27 3.15 89.43 2.92 92.35 1.86 94.21 1.20 95.42 0.69 96.10 0.60 96.70 0.69 97.39 0.49 97.88 0.52 98.40 0.41 98.81 0.49 99.30 0.29 99.59 0.18 99.77 0.09 99.86 0.14 100.00

PERCENTAGE rp

416.39 412.36 903.59 745.75 960.80 620.56 732.10 586.62 416.75 268.88 294.31 373.83 203.86 695.41 398.79 650.25 716.27 1,170.87 328.74 1,810.71

416.39 828.75 1,732.34 2,478.09 3,438.88 4,059.45 4,791.55 5,378.17 5,794.92 6,063.80 6,358.11 6,731.94 6,935.80 7,631.21 8,029.99 8,680.24 9,396.51 10,567.38 10,896.12 12,706.84

12,706.84

BAND

3.28 3.25 7.11 5.87 7.56 4.88 5.76 4.62 3.28 2.12 2.32 2.94 1.60 5.47 3.14 5.12 5.64 9.21 2.59 14.25

CUM.

3.28 6.52 13.63 19.50 27.06 31.95 37.71 42.33 45.60 47.72 50.04 52.98 54.58 60.06 63.19 68.31 73.95 83.16 85.75 100.00

PERCENTAGE f

2 2 2 2 1 1 1 2 1 2 16

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

CUM

2 2 2 4 6 8 8 9 10 11 11 11 13 13 14 16 16 16 16 16

12.50 0.00 0.00 12.50 12.50 12.50 0.00 6.25 6.25 6.25 0.00 0.00 12.50 0.00 6.25 12.50 0.00 0.00 0.00 0.00

12.50 12.50 12.50 25.00 37.50 50.00 50.00 56.25 62.50 68.75 68.75 68.75 81.25 81.25 87.50 100.00 100.00 100.00 100.00 100.00

52.50 0.00 0.00 131.83 433.98 652.29 0.00 1,500.00 126.58 111.98 0.00 0.00 8.78 0.00 126.66 11,236.55 0.00 0.00 0.00 0.00

52.50 52.50 52.50 184.33 618.31 1,270.60 1,270.60 2,770.60 2,897.18 3,009.16 3,009.16 3,009.16 3,017.95 3,017.95 3,144.60 14,381.15 14,381.15 14,381.15 14,381.15 14,381.15

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

0.37 0.37 0.37 1.28 4.30 8.84 8.84 19.27 20.15 20.92 20.92 20.92 20.99 20.99 21.87 100.00 100.00 100.00 100.00 100.00

12.61 0.00 0.00 17.68 45.17 105.11 0.00 255.70 30.37 41.65 0.00 0.00 4.31 0.00 31.76 1,728.04 0.00 0.00 0.00 0.00

12.61 6.33 3.03 7.44 17.98 31.30 26.52 51.52 50.00 49.63 47.33 44.70 43.51 39.55 39.16 165.68 153.05 136.09 131.98 113.18

14,381.15

113.18

Page 84 of 180

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

15/12/2004

15/02/2005

SULAWESI TENGGARA

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

324 304 275 151 111 48 51 12 5 3 1 6 4 1 2 2 4 1 1.305

324 628 903 1.054 1.165 1.213 1.264 1.276 1.281 1.284 1.285 1.291 1.295 1.296 1.298 1.300 1.304 1.304 1.305 1.305

BAND

CUM.

24.83 24.83 23.30 48.12 21.07 69.20 11.57 80.77 8.51 89.27 3.68 92.95 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 81.17 165.62 138.27 165.24 126.77 132.89 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 1,044.66

35.65 116.83 282.45 420.72 585.96 712.73 845.62 871.48 892.69 903.49 919.09 981.51 1,001.41 1,030.34 1,032.11 1,037.47 1,043.61 1,043.61 1,044.66 1,044.66

BAND

3.41 7.77 15.85 13.24 15.82 12.13 12.72 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 40.27 56.09 68.23 80.95 83.42 85.45 86.49 87.98 93.96 95.86 98.63 98.80 99.31 99.90 99.90 100.00 100.00

PERCENTAGE f

1 1

BAND

- 0.00 - 0.00 1 00.00 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 48.78

BAND

0.00 0.00 0.00 0.00 48.78 100.00 48.78 0.00 48.78 0.00 48.78 0.00 48.78 0.00 48.78 0.00 48.78 0.00 48.78 0.00 48.78 0.00 48.78 0.00 48.78 0.00 48.78 0.00 48.78 0.00 48.78 0.00 48.78 0.00 48.78 0.00 48.78 0.00 48.78 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 BAND

CUM

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

0.00 0.00 17.27 11.59 8.32 6.84 5.77 5.60 5.46 5.40 5.31 4.97 4.87 4.73 4.73 4.70 4.67 4.67 4.67 4.67 4.67

Page 85 of 135

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

15/12/2004

15/02/2005

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

1.623 1.193 1.283 861 871 497 368 351 170 99 75 79 53 69 35 36 27 12 20 9 7.731

1.623 2.816 4.099 4.960 5.831 6.328 6.696 7.047 7.217 7.316 7.391 7.470 7.523 7.592 7.627 7.663 7.690 7.702 7.722 7.731

BAND

CUM.

20.99 20.99 15.43 36.42 16.60 53.02 11.14 64.16 11.27 75.42 6.43 81.85 4.76 86.61 4.54 91.15 2.20 93.35 1.28 94.63 0.97 95.60 1.02 96.62 0.69 97.31 0.89 98.20 0.45 98.65 0.47 99.12 0.35 99.47 0.16 99.62 0.26 99.88 0.12 100.00

PERCENTAGE rp

239.72 289.56 568.83 614.16 1,043.73 795.47 853.10 1,020.14 630.51 461.50 399.43 555.38 500.51 698.56 455.94 616.26 1,082.17 986.79 2,661.58 2,381.85

239.72 529.28 1,098.11 1,712.27 2,756.00 3,551.47 4,404.57 5,424.70 6,055.22 6,516.72 6,916.14 7,471.52 7,972.04 8,670.60 9,126.54 9,742.80 10,824.97 11,811.76 14,473.34 16,855.19

16,855.19

BAND

1.42 1.72 3.37 3.64 6.19 4.72 5.06 6.05 3.74 2.74 2.37 3.30 2.97 4.14 2.71 3.66 6.42 5.85 15.79 14.13

CUM.

1.42 3.14 6.51 10.16 16.35 21.07 26.13 32.18 35.92 38.66 41.03 44.33 47.30 51.44 54.15 57.80 64.22 70.08 85.87 100.00

PERCENTAGE f

1 2 3 3 6 4 2 3 2 1 1 2 2 1 1 4 3 41

BAND

CUM.

1 2.44 2.44 3 4.88 7.32 6 7.32 14.63 9 7.32 21.95 15 14.63 36.59 19 9.76 46.34 21 4.88 51.22 24 7.32 58.54 26 4.88 63.41 27 2.44 65.85 28 2.44 68.29 30 4.88 73.17 30 0.00 73.17 32 4.88 78.05 32 0.00 78.05 33 2.44 80.49 34 2.44 82.93 34 0.00 82.93 38 9.76 92.68 41 7.32 100.00

PERCENTAGE rp

8.00 5.54 0.59 227.26 9,547.84 10.03 123.68 91.24 1,241.40 1.62 6.28 11.81 0.00 4.00 0.00 751.90 43.34 0.00 101.55 711.53

8.00 13.54 14.12 241.38 9,789.22 9,799.26 9,922.93 10,014.17 11,255.58 11,257.19 11,263.48 11,275.29 11,275.29 11,279.29 11,279.29 12,031.19 12,074.53 12,074.53 12,176.08 12,887.61

12,887.61

BAND

CUM.

0.06 0.06 0.04 0.11 0.00 0.11 1.76 1.87 74.09 75.96 0.08 76.04 0.96 77.00 0.71 77.70 9.63 87.34 0.01 87.35 0.05 87.40 0.09 87.49 0.00 87.49 0.03 87.52 0.00 87.52 5.83 93.35 0.34 93.69 0.00 93.69 0.79 94.48 5.52 100.00

PERCENTAGE BAND

CUM

3.34 1.91 0.10 37.00 914.78 1.26 14.50 8.94 196.89 0.35 1.57 2.13 0.00 0.57 0.00 122.01 4.01 0.00 3.82 29.87

3.34 2.56 1.29 14.10 355.20 275.92 225.29 184.60 185.88 172.74 162.86 150.91 141.44 130.09 123.59 123.49 111.54 102.22 84.13 76.46 76.46

Page 86 of 180

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

15/12/2004

15/02/2005

NUSA TEGGARA 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

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

562 385 217 128 146 54 52 36 21 9 16 10 12 18 7 2 3 2 1.680

562 947 1.164 1.292 1.438 1.492 1.544 1.580 1.601 1.610 1.626 1.636 1.648 1.666 1.666 1.673 1.675 1.678 1.680 1.680

BAND

CUM.

33.45 22.92 12.92 7.62 8.69 3.21 3.10 2.14 1.25 0.54 0.95 0.60 0.71 1.07 0.00 0.42 0.12 0.18 0.12 0.00

33.45 56.37 69.29 76.90 85.60 88.81 91.90 94.05 95.30 95.83 96.79 97.38 98.10 99.17 99.17 99.58 99.70 99.88 100.00 100.00

PERCENTAGE rp

63.47 110.76 124.33 107.78 232.93 122.86 222.42 115.61 117.27 68.42 79.31 56.55 113.60 126.16 0.00 64.15 25.56 179.56 486.09 0.00 2,416.84

63.47 174.23 298.56 406.34 639.28 762.13 984.55 1,100.17 1,217.43 1,285.85 1,365.16 1,421.71 1,535.31 1,661.47 1,661.47 1,725.63 1,751.19 1,930.74 2,416.84 2,416.84

BAND

2.63 4.58 5.14 4.46 9.64 5.08 9.20 4.78 4.85 2.83 3.28 2.34 4.70 5.22 0.00 2.65 1.06 7.43 20.11 0.00

CUM.

2.63 7.21 12.35 16.81 26.45 31.53 40.74 45.52 50.37 53.20 56.49 58.83 63.53 68.75 68.75 71.40 72.46 79.89 100.00 100.00

PERCENTAGE f

1 1 1 2 1 6 12

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

1 2 3 3 5 5 5 5 6 6 6 6 6 6 6 12 12 12 12 12

8.33 8.33 8.33 0.00 16.67 0.00 0.00 0.00 8.33 0.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00

8.33 16.67 25.00 25.00 41.67 41.67 41.67 41.67 50.00 50.00 50.00 50.00 50.00 50.00 50.00 100.00 100.00 100.00 100.00 100.00

2.43 1.98 1.50 0.00 4.14 0.00 0.00 0.00 6.89 0.00 0.00 0.00 0.00 0.00 0.00 343.64 0.00 0.00 0.00 0.00

2.43 4.41 5.91 5.91 10.05 10.05 10.05 10.05 16.94 16.94 16.94 16.94 16.94 16.94 16.94 360.58 360.58 360.58 360.58 360.58

0.67 0.55 0.42 0.00 1.15 0.00 0.00 0.00 1.91 0.00 0.00 0.00 0.00 0.00 0.00 95.30 0.00 0.00 0.00 0.00

0.67 1.22 1.64 1.64 2.79 2.79 2.79 2.79 4.70 4.70 4.70 4.70 4.70 4.70 4.70 100.00 100.00 100.00 100.00 100.00

3.83 1.79 1.21 0.00 1.78 0.00 0.00 0.00 5.87 0.00 0.00 0.00 0.00 0.00 0.00 535.66 0.00 0.00 0.00 0.00

360.58

CUM

3.83 2.53 1.98 1.45 1.57 1.32 1.02 0.91 1.39 1.32 1.24 1.19 1.10 1.02 1.02 20.90 20.59 18.68 14.92 14.92 14.92

Page 87 of 180

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

15/12/2004

15/02/2005

NUSA TEGGARA 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

344 339 366 214 235 103 56 29 26 11 13 3 4 2 1 2 5 4 1.757

344 683 1.049 1.263 1.498 1.601 1.657 1.686 1.712 1.723 1.736 1.739 1.743 1.745 1.746 1.748 1.753 1.753 1.753 1.757

BAND

CUM.

19.58 19.58 19.29 38.87 20.83 59.70 12.18 71.88 13.38 85.26 5.86 91.12 3.19 94.31 1.65 95.96 1.48 97.44 0.63 98.06 0.74 98.80 0.17 98.98 0.23 99.20 0.11 99.32 0.06 99.37 0.11 99.49 0.28 99.77 0.00 99.77 0.00 99.77 0.23 100.00

PERCENTAGE rp

50.82 130.11 274.29 268.25 469.48 240.40 217.57 132.22 133.90 72.37 63.70 9.38 25.28 8.28 3.50 80.55 106.23 0.00 0.00 537.38 2,823.72

50.82 180.93 455.22 723.47 1,192.96 1,433.36 1,650.93 1,783.15 1,917.05 1,989.42 2,053.12 2,062.50 2,087.78 2,096.06 2,099.56 2,180.11 2,286.34 2,286.34 2,286.34 2,823.72

BAND

1.80 4.61 9.71 9.50 16.63 8.51 7.71 4.68 4.74 2.56 2.26 0.33 0.90 0.29 0.12 2.85 3.76 0.00 0.00 19.03

CUM.

1.80 6.41 16.12 25.62 42.25 50.76 58.47 63.15 67.89 70.45 72.71 73.04 73.94 74.23 74.35 77.21 80.97 80.97 80.97 100.00

PERCENTAGE f

1 2 3

1 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3

BAND

CUM.

0.00 33.33 66.67 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 33.33 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 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 59.50

BAND

0.00 0.00 59.50 100.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00 59.50 0.00

CUM.

0.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

CUM

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

0.00 32.89 13.07 8.22 4.99 4.15 3.60 3.34 3.10 2.99 2.90 2.88 2.85 2.84 2.83 2.73 2.60 2.60 2.60 2.11 2.11

Page 88 of 180

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

15/12/2004

15/02/2005

MALUKU

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

126 101 120 95 119 82 46 38 21 6 2 7 1 9 5 1 5 1 1 1 787

126 227 347 442 561 643 689 727 748 754 756 763 764 773 778 779 784 785 786 787

BAND

CUM.

16.01 16.01 12.83 28.84 15.25 44.09 12.07 56.16 15.12 71.28 10.42 81.70 5.84 87.55 4.83 92.38 2.67 95.04 0.76 95.81 0.25 96.06 0.89 96.95 0.13 97.08 1.14 98.22 0.64 98.86 0.13 98.98 0.64 99.62 0.13 99.75 0.13 99.87 0.13 100.00

PERCENTAGE rp

14.08 28.81 61.57 85.56 199.03 194.71 138.48 138.09 91.82 42.33 4.64 63.41 8.62 60.20 45.20 6.18 450.06 2.79 1.64 4,536.75

14.08 42.89 104.46 190.03 389.06 583.77 722.26 860.35 952.16 994.50 999.14 1,062.55 1,071.17 1,131.37 1,176.57 1,182.75 1,632.80 1,635.59 1,637.23 6,173.98

6,173.98

BAND

0.23 0.47 1.00 1.39 3.22 3.15 2.24 2.24 1.49 0.69 0.08 1.03 0.14 0.98 0.73 0.10 7.29 0.05 0.03 73.48

CUM.

0.23 0.69 1.69 3.08 6.30 9.46 11.70 13.94 15.42 16.11 16.18 17.21 17.35 18.32 19.06 19.16 26.45 26.49 26.52 100.00

PERCENTAGE f

1 2 1 4

1 3 4 4 4 4 4 4 4 4 4 4 4 4 4

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

CUM

0.00 0.00 0.00 0.00 0.00 25.00 50.00 25.00 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 25.00 75.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 456.69 633.85 1,286.74 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 0.00 456.69 1,090.54 2,377.27 2,377.27 2,377.27 2,377.27 2,377.27 2,377.27 2,377.27 2,377.27 2,377.27 2,377.27 2,377.27 2,377.27 2,377.27

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

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

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 78.23 150.99 276.32 249.67 239.04 237.93 223.73 221.93 210.12 202.05 201.00 145.59 145.35 145.20 38.50

2,377.27

38.50

Page 89 of 180

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

15/12/2004

15/02/2005

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

354 254 330 203 227 78 66 50 14 14 18 18 12 7 5 12 9 1 1.672

354 608 938 1.141 1.368 1.446 1.512 1.562 1.576 1.590 1.608 1.626 1.638 1.645 1.650 1.662 1.671 1.672 1.672 1.672

BAND

CUM.

21.17 15.19 19.74 12.14 13.58 4.67 3.95 2.99 0.84 0.84 1.08 1.08 0.72 0.42 0.30 0.72 0.54 0.06 0.00 0.00

21.17 36.36 56.10 68.24 81.82 86.48 90.43 93.42 94.26 95.10 96.17 97.25 97.97 98.39 98.68 99.40 99.94 100.00 100.00 100.00

PERCENTAGE rp

149.74 104.91 217.69 203.58 354.08 191.56 222.39 179.29 67.13 63.46 103.15 103.65 76.65 87.79 99.97 152.24 416.06 119.20 0.00 0.00 2,912.52

149.74 254.65 472.34 675.92 1,030.00 1,221.56 1,443.95 1,623.23 1,690.36 1,753.82 1,856.97 1,960.62 2,037.27 2,125.05 2,225.03 2,377.27 2,793.33 2,912.52 2,912.52 2,912.52

BAND

5.14 3.60 7.47 6.99 12.16 6.58 7.64 6.16 2.30 2.18 3.54 3.56 2.63 3.01 3.43 5.23 14.29 4.09 0.00 0.00

CUM.

5.14 8.74 16.22 23.21 35.36 41.94 49.58 55.73 58.04 60.22 63.76 67.32 69.95 72.96 76.40 81.62 95.91 100.00 100.00 100.00

PERCENTAGE f

1 1 3 3 1 1 1 2 13

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

1 1 2 5 8 8 8 8 9 9 9 9 10 10 11 11 13 13 13 13

7.69 0.00 7.69 23.08 23.08 0.00 0.00 0.00 7.69 0.00 0.00 0.00 7.69 0.00 7.69 0.00 15.38 0.00 0.00 0.00

7.69 7.69 15.38 38.46 61.54 61.54 61.54 61.54 69.23 69.23 69.23 69.23 76.92 76.92 84.62 84.62 100.00 100.00 100.00 100.00

35.76 0.00 0.00 263.00 463.99 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

35.76 35.76 35.76 298.75 762.75 762.75 762.75 762.75 846.53 846.53 846.53 846.53 856.53 856.53 894.36 894.36 903.99 903.99 903.99 903.99

3.96 0.00 0.00 29.09 51.33 0.00 0.00 0.00 9.27 0.00 0.00 0.00 1.11 0.00 4.18 0.00 1.07 0.00 0.00 0.00

3.96 3.96 3.96 33.05 84.38 84.38 84.38 84.38 93.64 93.64 93.64 93.64 94.75 94.75 98.93 98.93 100.00 100.00 100.00 100.00

23.88 0.00 0.00 129.18 131.04 0.00 0.00 0.00 124.81 0.00 0.00 0.00 13.05 0.00 37.84 0.00 2.31 0.00 0.00 0.00

903.99

CUM

23.88 14.04 7.57 44.20 74.05 62.44 52.82 46.99 50.08 48.27 45.59 43.18 42.04 40.31 40.20 37.62 32.36 31.04 31.04 31.04 31.04

Page 90 of 180

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 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: All Code

SUM INSURED BAND

TO PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

DATE

CLAIM SEVERITY ( In Million Rp)

01/01/2003

15/12/2004

15/02/2005

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 1.25 1.75 2.25 2.75 3.50 4.50 6.25 8.75 15 35 75 300

90.828 92.516 107.322 59.039 59.331 27.914 20.082 14.857 8.270 4.608 3.618 4.260 3.029 3.788 2.485 3.936 3.377 1.548 1.431 392

90.828 183.344 290.666 349.705 409.036 436.950 457.032 471.889 480.159 484.767 488.385 492.645 495.674 499.462 501.947 505.883 509.260 510.808 512.239 512.631

BAND

PERCENTAGE

CUM.

17.72 17.72 18.05 35.77 20.94 56.70 11.52 68.22 11.57 79.79 5.45 85.24 3.92 89.15 2.90 92.05 1.61 93.67 0.90 94.56 0.71 95.27 0.83 96.10 0.59 96.69 0.74 97.43 0.48 97.92 0.77 98.68 0.66 99.34 0.30 99.64 0.28 99.92 0.08 100.00

58,701.35 58,701.35 21,750.94 80,452.29 45,019.89 125,472.17 40,088.64 165,560.81 63,927.37 229,488.18 45,139.36 274,627.54 46,712.87 321,340.41 50,318.83 371,659.24 35,807.22 407,466.46 23,588.69 431,055.15 25,553.87 456,609.02 32,760.79 489,369.80 29,813.87 519,183.67 44,354.71 563,538.39 42,071.71 605,610.09 95,404.49 701,014.58 152,145.21 853,159.79 111,397.40 964,557.19 270,707.48 1,235,264.68 296,765.75 1,532,030.43

TOTAL 512.631 1,532,030.43 Catatan / Note : Data belum termasuk Klaim Fire yang tidak ada Polisnya Rp. 188.551.493.389,77 - Freq. Klaim 532

BAND

3.83 1.42 2.94 2.62 4.17 2.95 3.05 3.28 2.34 1.54 1.67 2.14 1.95 2.90 2.75 6.23 9.93 7.27 17.67 19.37

CUM.

3.83 5.25 8.19 10.81 14.98 17.93 20.97 24.26 26.60 28.14 29.80 31.94 33.89 36.78 39.53 45.76 55.69 62.96 80.63 100.00

PERCENTAGE f

220 184 238 144 186 115 109 94 78 48 92 72 97 86 124 179 212 118 154 89

220 404 642 786 972 1.087 1.196 1.290 1.368 1.416 1.508 1.580 1.677 1.763 1.887 2.066 2.278 2.396 2.550 2.639

2.639

BAND

CUM.

8.34 8.34 6.97 15.31 9.02 24.33 5.46 29.78 7.05 36.83 4.36 41.19 4.13 45.32 3.56 48.88 2.96 51.84 1.82 53.66 3.49 57.14 2.73 59.87 3.68 63.55 3.26 66.81 4.70 71.50 6.78 78.29 8.03 86.32 4.47 90.79 5.84 96.63 3.37 100.00

PERCENTAGE rp

33,210.88 8,802.62 18,670.50 10,077.63 29,338.09 10,950.20 13,650.59 16,821.35 21,567.55 10,310.77 33,525.79 9,417.70 17,552.88 44,518.60 28,548.72 69,639.27 59,978.01 31,464.57 90,273.47 38,061.48 596,380.66

33,210.88 42,013.50 60,684.00 70,761.63 100,099.72 111,049.92 124,700.51 141,521.85 163,089.40 173,400.17 206,925.96 216,343.66 233,896.54 278,415.14 306,963.86 376,603.13 436,581.14 468,045.71 558,319.19 596,380.66

BAND

CUM.

PERCENTAGE BAND

5.57 5.57 56.58 1.48 7.04 40.47 3.13 10.18 41.47 1.69 11.87 25.14 4.92 16.78 45.89 1.84 18.62 24.26 2.29 20.91 29.22 2.82 23.73 33.43 3.62 27.35 60.23 1.73 29.08 43.71 5.62 34.70 131.20 1.58 36.28 28.75 2.94 39.22 58.87 7.46 46.68 100.37 4.79 51.47 67.86 11.68 63.15 72.99 10.06 73.21 39.42 5.28 78.48 28.25 15.14 93.62 33.35 6.38 100.00 12.83

CUM

56.58 52.22 48.36 42.74 43.62 40.44 38.81 38.08 40.03 40.23 45.32 44.21 45.05 49.40 50.69 53.72 51.17 48.52 45.20 38.93 38.93

( Data not Include Claim Fire no Policy Rp. 188.551.493.389,77 - Freq Claim 532 )

Page 91 of 180

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 2003 CLASS OF BUSINESS

:FIRE

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

01/01/2003

15/12/2004

15/02/2005

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)

DATE

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

87.200 90.739 103.742 56.154 55.147 25.165 17.705 12.314 6.574 3.453 2.574 2.912 1.978 2.241 1.341 1.908 1.273 426 415 99 473.360

87.200 177.939 281.681 337.835 392.982 418.147 435.852 448.166 454.740 458.193 460.767 463.679 465.657 467.898 469.239 471.147 472.420 472.846 473.261 473.360

BAND

CUM.

18.42 18.42 19.17 37.59 21.92 59.51 11.86 71.37 11.65 83.02 5.32 88.34 3.74 92.08 2.60 94.68 1.39 96.07 0.73 96.80 0.54 97.34 0.62 97.95 0.42 98.37 0.47 98.85 0.28 99.13 0.40 99.53 0.27 99.80 0.09 99.89 0.09 99.98 0.02 100.00

PERCENTAGE rp

27,717.06 20,929.81 42,705.31 38,168.76 58,787.69 41,317.46 41,068.66 44,079.38 30,224.13 19,351.48 20,012.30 24,316.26 21,783.64 30,505.71 27,560.42 55,898.61 59,751.76 35,719.46 63,898.52 32,560.71 736,357.13

27,717.06 48,646.87 91,352.18 129,520.94 188,308.63 229,626.09 270,694.75 314,774.13 344,998.26 364,349.74 384,362.04 408,678.31 430,461.95 460,967.66 488,528.08 544,426.68 604,178.45 639,897.90 703,796.42 736,357.13

BAND

3.76 2.84 5.80 5.18 7.98 5.61 5.58 5.99 4.10 2.63 2.72 3.30 2.96 4.14 3.74 7.59 8.11 4.85 8.68 4.42

CUM.

3.76 6.61 12.41 17.59 25.57 31.18 36.76 42.75 46.85 49.48 52.20 55.50 58.46 62.60 66.34 73.94 82.05 86.90 95.58 100.00

PERCENTAGE f

160 158 174 105 139 93 70 63 58 38 61 43 70 52 78 79 80 36 35 14 1.606

160 318 492 597 736 829 899 962 1.020 1.058 1.119 1.162 1.232 1.284 1.362 1.441 1.521 1.557 1.592 1.606

BAND

CUM.

9.96 9.96 9.84 19.80 10.83 30.64 6.54 37.17 8.66 45.83 5.79 51.62 4.36 55.98 3.92 59.90 3.61 63.51 2.37 65.88 3.80 69.68 2.68 72.35 4.36 76.71 3.24 79.95 4.86 84.81 4.92 89.73 4.98 94.71 2.24 96.95 2.18 99.13 0.87 100.00

PERCENTAGE rp

22,267.09 8,135.55 15,590.98 9,229.04 19,474.33 10,321.78 11,312.95 12,579.83 20,804.99 7,793.85 8,554.67 8,351.74 16,305.09 38,604.99 16,892.88 55,158.11 45,879.03 22,084.56 9,186.40 9,172.22

22,267.09 30,402.64 45,993.62 55,222.66 74,696.99 85,018.77 96,331.72 108,911.56 129,716.55 137,510.40 146,065.07 154,416.80 170,721.89 209,326.88 226,219.77 281,377.87 327,256.90 349,341.46 358,527.86 367,700.08

BAND

6.06 2.21 4.24 2.51 5.30 2.81 3.08 3.42 5.66 2.12 2.33 2.27 4.43 10.50 4.59 15.00 12.48 6.01 2.50 2.49

PERCENTAGE

CUM.

BAND

CUM

6.06 8.27 12.51 15.02 20.31 23.12 26.20 29.62 35.28 37.40 39.72 42.00 46.43 56.93 61.52 76.52 89.00 95.01 97.51 100.00

80.34 38.87 36.51 24.18 33.13 24.98 27.55 28.54 68.84 40.28 42.75 34.35 74.85 126.55 61.29 98.68 76.78 61.83 14.38 28.17

80.34 62.50 50.35 42.64 39.67 37.02 35.59 34.60 37.60 37.74 38.00 37.78 39.66 45.41 46.31 51.68 54.17 54.59 50.94 49.94

367,700.08

49.94

Page 92 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

:I.A.R

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

01/01/2003

15/12/2004

15/02/2005

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)

DATE

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

2.598 1.178 2.535 2.097 2.965 1.895 1.642 1.717 1.064 703 666 847 690 994 711 1.273 1.274 617 523 150 26.139

2.598 3.776 6.311 8.408 11.373 13.268 14.910 16.627 17.691 18.394 19.060 19.907 20.597 21.591 22.302 23.575 24.849 25.466 25.989 26.139

BAND

CUM.

9.94 9.94 4.51 14.45 9.70 24.14 8.02 32.17 11.34 43.51 7.25 50.76 6.28 57.04 6.57 63.61 4.07 67.68 2.69 70.37 2.55 72.92 3.24 76.16 2.64 78.80 3.80 82.60 2.72 85.32 4.87 90.19 4.87 95.06 2.36 97.43 2.00 99.43 0.57 100.00

PERCENTAGE rp

16,808.75 678.64 1,696.00 1,678.43 4,517.47 3,148.25 4,800.09 5,025.84 4,266.27 3,313.92 4,416.11 6,742.83 6,745.82 11,134.44 11,133.46 30,517.24 71,895.35 51,766.48 162,530.90 238,270.26 641,086.54

16,808.75 17,487.39 19,183.38 20,861.81 25,379.28 28,527.53 33,327.62 38,353.46 42,619.73 45,933.65 50,349.76 57,092.59 63,838.41 74,972.85 86,106.31 116,623.55 188,518.90 240,285.38 402,816.27 641,086.54

BAND

2.62 0.11 0.26 0.26 0.70 0.49 0.75 0.78 0.67 0.52 0.69 1.05 1.05 1.74 1.74 4.76 11.21 8.07 25.35 37.17

CUM.

2.62 2.73 2.99 3.25 3.96 4.45 5.20 5.98 6.65 7.16 7.85 8.91 9.96 11.69 13.43 18.19 29.41 37.48 62.83 100.00

PERCENTAGE f

60 26 64 39 47 22 39 30 20 10 31 28 27 34 46 100 132 80 119 75 1.029

60 86 150 189 236 258 297 327 347 357 388 416 443 477 523 623 755 835 954 1.029

BAND

CUM.

5.83 5.83 2.53 8.36 6.22 14.58 3.79 18.37 4.57 22.93 2.14 25.07 3.79 28.86 2.92 31.78 1.94 33.72 0.97 34.69 3.01 37.71 2.72 40.43 2.62 43.05 3.30 46.36 4.47 50.83 9.72 60.54 12.83 73.37 7.77 81.15 11.56 92.71 7.29 100.00

PERCENTAGE rp

10,943.80 667.06 3,079.53 848.59 9,863.75 628.42 2,337.64 3,121.34 762.55 2,516.92 24,971.12 989.20 1,247.79 5,913.61 11,655.83 14,481.16 14,098.98 9,214.13 81,087.08 28,889.26

10,943.80 11,610.86 14,690.39 15,538.97 25,402.72 26,031.15 28,368.79 31,490.13 32,252.68 34,769.60 59,740.72 60,729.92 61,977.71 67,891.32 79,547.16 94,028.32 108,127.30 117,341.43 198,428.51 227,317.77

BAND

4.81 0.29 1.35 0.37 4.34 0.28 1.03 1.37 0.34 1.11 10.99 0.44 0.55 2.60 5.13 6.37 6.20 4.05 35.67 12.71

PERCENTAGE

CUM.

BAND

CUM

4.81 5.11 6.46 6.84 11.17 11.45 12.48 13.85 14.19 15.30 26.28 26.72 27.26 29.87 34.99 41.36 47.57 51.62 87.29 100.00

65.11 98.29 181.58 50.56 218.35 19.96 48.70 62.11 17.87 75.95 565.45 14.67 18.50 53.11 104.69 47.45 19.61 17.80 49.89 12.12

65.11 66.40 76.58 74.49 100.09 91.25 85.12 82.11 75.68 75.70 118.65 106.37 97.09 90.55 92.38 80.63 57.36 48.83 49.26 35.46

227,317.77

35.46

Page 93 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

:L.O.P

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2003

15/12/2004

DATE

15/02/2005

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

12 1 9 6 6 6 8 27 28 9 9 12 12 26 35 59 83 49 33 2 432

BAND

CUM.

12 13 22 28 34 40 48 75 103 112 121 133 145 171 206 265 348 397 430 432

2.78 2.78 0.23 3.01 2.08 5.09 1.39 6.48 1.39 7.87 1.39 9.26 1.85 11.11 6.25 17.36 6.48 23.84 2.08 25.93 2.08 28.01 2.78 30.79 2.78 33.56 6.02 39.58 8.10 47.69 13.66 61.34 19.21 80.56 11.34 91.90 7.64 99.54 0.46 100.00

PERCENTAGE rp

225.37 225.37 0.24 225.61 40.81 266.42 1.81 268.23 4.81 273.04 7.03 280.07 16.60 296.67 67.70 364.37 66.59 430.95 58.02 488.97 33.70 522.67 70.68 593.35 77.18 670.53 188.10 858.63 370.22 1,228.85 1,104.78 2,333.64 3,354.16 5,687.80 2,927.44 8,615.24 2,839.47 11,454.71 22.35 11,477.06 11,477.06

BAND

1.96 0.00 0.36 0.02 0.04 0.06 0.14 0.59 0.58 0.51 0.29 0.62 0.67 1.64 3.23 9.63 29.22 25.51 24.74 0.19

CUM.

1.96 1.97 2.32 2.34 2.38 2.44 2.58 3.17 3.75 4.26 4.55 5.17 5.84 7.48 10.71 20.33 49.56 75.06 99.81 100.00

PERCENTAGE f

0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 2

BAND

0 0 0 0 0 0 0 1 1 1 1 2 2 2 2 2 2 2 2 2

0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 50.00 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 50.00 50.00 50.00 50.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,120.17 0.00 0.00 0.00 76.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,196.93

0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,120.17 1,120.17 1,120.17 1,120.17 1,196.93 1,196.93 1,196.93 1,196.93 1,196.93 1,196.93 1,196.93 1,196.93 1,196.93

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 93.59 0.00 0.00 0.00 6.41 0.00 0.00 0.00 0.00 0.00 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 0.00 0.00 0.00 0.00 0.00 0.00 93.59 1,654.62 93.59 0.00 93.59 0.00 93.59 0.00 100.00 108.61 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 307.43 259.93 229.09 214.32 201.72 178.51 139.40 97.40 51.29 21.04 13.89 10.45 10.43 10.43

Page 94 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: Earthquake

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2003

15/12/2004

DATE

15/02/2005

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

1 598 1.036 782 1.213 848 727 799 604 443 369 489 349 527 398 696 747 456 460 141 12.700

1 1.616 2.652 3.434 4.647 5.495 6.222 7.021 7.625 8.068 8.437 8.926 9.275 9.802 10.200 10.896 11.643 12.099 12.559 12.700

BAND

CUM.

8.02 8.02 4.71 12.72 8.16 20.88 6.16 27.04 9.55 36.59 6.68 43.27 5.72 48.99 6.29 55.28 4.76 60.04 3.49 63.53 2.91 66.43 3.85 70.28 2.75 73.03 4.15 77.18 3.13 80.31 5.48 85.80 5.88 91.68 3.59 95.27 3.62 98.89 1.11 100.00

PERCENTAGE rp

13,950.17 142.25 577.77 239.63 617.40 666.63 827.52 1,145.91 1,250.24 865.27 1,091.75 1,631.01 1,207.23 2,526.47 3,007.61 7,883.86 17,143.94 20,984.03 41,438.60 25,912.43

13,950.17 14,092.42 14,670.18 14,909.82 15,527.21 16,193.85 17,021.37 18,167.28 19,417.52 20,282.78 21,374.54 23,005.55 24,212.78 26,739.25 29,746.85 37,630.71 54,774.65 75,758.68 117,197.28 143,109.70

143,109.70

BAND

9.75 0.10 0.40 0.17 0.43 0.47 0.58 0.80 0.87 0.60 0.76 1.14 0.84 1.77 2.10 5.51 11.98 14.66 28.96 18.11

CUM.

9.75 9.85 10.25 10.42 10.85 11.32 11.89 12.69 13.57 14.17 14.94 16.08 16.92 18.68 20.79 26.30 38.27 52.94 81.89 100.00

PERCENTAGE f

2 2

BAND

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 100.00 100.00 165.88 165.88 2 0.00 100.00 0.00 165.88 2 0.00 100.00 0.00 165.88

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 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

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 0.79 0.00 0.00

165.88

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 0.22 0.14 0.00 -

Page 95 of 180

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 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

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

15 15 30 9 20 13 16 12 13 18 12 7 12 18 10 16 19 18 29 8 310

15 30 60 69 89 102 118 130 143 161 173 180 192 210 220 236 255 273 302 310

BAND

CUM.

4.84 4.84 4.84 9.68 9.68 19.35 2.90 22.26 6.45 28.71 4.19 32.90 5.16 38.06 3.87 41.94 4.19 46.13 5.81 51.94 3.87 55.81 2.26 58.06 3.87 61.94 5.81 67.74 3.23 70.97 5.16 76.13 6.13 82.26 5.81 88.06 9.35 97.42 2.58 100.00

PERCENTAGE rp

442.27 442.27 27.57 469.84 14.58 484.42 6.03 490.45 11.96 502.42 18.65 521.07 34.31 555.38 62.23 617.61 31.22 648.83 77.35 726.18 31.19 757.37 41.37 798.74 75.20 873.94 168.11 1,042.05 178.01 1,220.06 304.86 1,524.92 1,889.12 3,414.05 1,068.07 4,482.12 5,353.02 9,835.14 7,776.57 17,611.71 17,611.71

BAND

2.51 0.16 0.08 0.03 0.07 0.11 0.19 0.35 0.18 0.44 0.18 0.23 0.43 0.95 1.01 1.73 10.73 6.06 30.39 44.16

CUM.

2.51 2.67 2.75 2.78 2.85 2.96 3.15 3.51 3.68 4.12 4.30 4.54 4.96 5.92 6.93 8.66 19.39 25.45 55.84 100.00

PERCENTAGE f

0 0 0 0 0 0 1 0 0 0 0 0 0 3 0 0 1 2 1 10 18

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 1 5.56 5.56 1 0.00 5.56 1 0.00 5.56 1 0.00 5.56 1 0.00 5.56 1 0.00 5.56 1 0.00 5.56 4 16.67 22.22 4 0.00 22.22 4 0.00 22.22 5 5.56 27.78 7 11.11 38.89 8 5.56 44.44 18 55.56 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 193.23 193.23 0.00 193.23 0.00 193.23 0.00 193.23 0.00 193.23 0.00 193.23 0.00 193.23 170.74 363.97 0.00 363.97 0.00 363.97 9.16 373.13 566.58 939.70 123.27 1,062.97 619.67 1,682.64 1,682.64

BAND

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 11.48 11.48 0.00 11.48 0.00 11.48 0.00 11.48 0.00 11.48 0.00 11.48 0.00 11.48 10.15 21.63 0.00 21.63 0.00 21.63 0.54 22.17 33.67 55.85 7.33 63.17 36.83 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 563.20 0.00 0.00 0.00 0.00 0.00 0.00 101.57 0.00 0.00 0.48 53.05 2.30 7.97

CUM

0.00 0.00 0.00 0.00 0.00 0.00 34.79 31.29 29.78 26.61 25.51 24.19 22.11 34.93 29.83 23.87 10.93 20.97 10.81 9.55 9.55

Page 96 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2003

15/12/2004

DATE

15/02/2005

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 52 63 44 59 46 55 44 45 23 30 29 34 50 27 68 73 39 62 23 995

129 181 244 288 347 393 448 492 537 560 590 619 653 703 730 798 871 910 972 995

BAND

CUM.

12.96 12.96 5.23 18.19 6.33 24.52 4.42 28.94 5.93 34.87 4.62 39.50 5.53 45.03 4.42 49.45 4.52 53.97 2.31 56.28 3.02 59.30 2.91 62.21 3.42 65.63 5.03 70.65 2.71 73.37 6.83 80.20 7.34 87.54 3.92 91.46 6.23 97.69 2.31 100.00

PERCENTAGE rp

1,774.64 1,774.64 10.77 1,785.41 21.69 1,807.10 58.91 1,866.01 69.51 1,935.52 65.90 2,001.42 89.53 2,090.95 101.35 2,192.29 119.75 2,312.05 56.38 2,368.43 100.53 2,468.96 140.23 2,609.18 195.63 2,804.82 386.56 3,191.37 208.08 3,399.45 951.51 4,350.96 2,130.91 6,481.87 1,751.72 8,233.59 6,716.11 14,949.71 3,268.48 18,218.18 18,218.18

BAND

9.74 0.06 0.12 0.32 0.38 0.36 0.49 0.56 0.66 0.31 0.55 0.77 1.07 2.12 1.14 5.22 11.70 9.62 36.86 17.94

CUM.

9.74 9.80 9.92 10.24 10.62 10.99 11.48 12.03 12.69 13.00 13.55 14.32 15.40 17.52 18.66 23.88 35.58 45.19 82.06 100.00

PERCENTAGE f

1 0 1 0 0 0 0 0 1 0 0 0 0 0 0 0 0 4 0 2 9

BAND

1 1 2 2 2 2 2 2 3 3 3 3 3 3 3 3 3 7 7 9

CUM.

11.11 11.11 0.00 11.11 11.11 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 11.11 33.33 0.00 33.33 0.00 33.33 0.00 33.33 0.00 33.33 0.00 33.33 0.00 33.33 0.00 33.33 0.00 33.33 44.44 77.78 0.00 77.78 22.22 100.00

PERCENTAGE rp

2.34 0.00 2.11 0.00 0.00 0.00 0.00 0.00 47.58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.04 0.00 131.75 186.82

2.34 2.34 4.45 4.45 4.45 4.45 4.45 4.45 52.03 52.03 52.03 52.03 52.03 52.03 52.03 52.03 52.03 55.07 55.07 186.82

BAND

1.25 0.00 1.13 0.00 0.00 0.00 0.00 0.00 25.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.63 0.00 70.52

CUM.

1.25 1.25 2.38 2.38 2.38 2.38 2.38 2.38 27.85 27.85 27.85 27.85 27.85 27.85 27.85 27.85 27.85 29.48 29.48 100.00

PERCENTAGE BAND

0.13 0.00 9.72 0.00 0.00 0.00 0.00 0.00 39.73 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.17 0.00 4.03

CUM

0.13 0.13 0.25 0.24 0.23 0.22 0.21 0.20 2.25 2.20 2.11 1.99 1.85 1.63 1.53 1.20 0.80 0.67 0.37 1.03 1.03

Page 97 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2003

15/12/2004

DATE

15/02/2005

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

349 209 317 235 368 276 283 284 204 141 131 204 139 211 165 332 328 162 182 50 4.570

349 558 875 1.110 1.478 1.754 2.037 2.321 2.525 2.666 2.797 3.001 3.140 3.351 3.516 3.848 4.176 4.338 4.520 4.570

BAND

CUM.

PERCENTAGE rp

7.64 7.64 1,311.23 1,311.23 4.57 12.21 48.08 1,359.31 6.94 19.15 111.85 1,471.16 5.14 24.29 127.11 1,598.27 8.05 32.34 449.80 2,048.07 6.04 38.38 615.97 2,664.04 6.19 44.57 485.05 3,149.10 6.21 50.79 1,019.86 4,168.96 4.46 55.25 550.70 4,719.65 3.09 58.34 482.13 5,201.79 2.87 61.20 582.47 5,784.25 4.46 65.67 920.57 6,704.82 3.04 68.71 1,108.36 7,813.18 4.62 73.33 1,899.08 9,712.26 3.61 76.94 1,870.08 11,582.35 7.26 84.20 6,362.73 17,945.08 7.18 91.38 10,623.28 28,568.36 3.54 94.92 10,509.50 39,077.86 3.98 98.91 23,244.98 62,322.83 1.09 100.00 6,582.84 68,905.67 68,905.67

BAND

1.90 0.07 0.16 0.18 0.65 0.89 0.70 1.48 0.80 0.70 0.85 1.34 1.61 2.76 2.71 9.23 15.42 15.25 33.73 9.55

CUM.

1.90 1.97 2.14 2.32 2.97 3.87 4.57 6.05 6.85 7.55 8.39 9.73 11.34 14.10 16.81 26.04 41.46 56.71 90.45 100.00

PERCENTAGE f

2 1 2 0 2 4 2 1 2 3 1 3 4 3 2 6 25 13 8 11 95

BAND

2 3 5 5 7 11 13 14 16 19 20 23 27 30 32 38 63 76 84 95

CUM.

PERCENTAGE rp

2.11 2.11 200.00 200.00 1.05 3.16 1.40 201.40 2.11 5.26 14.24 215.64 0.00 5.26 0.00 215.64 2.11 7.37 117.98 333.61 4.21 11.58 192.06 525.67 2.11 13.68 51.72 577.39 1.05 14.74 19.25 596.64 2.11 16.84 1,739.60 2,336.24 3.16 20.00 46.60 2,382.84 1.05 21.05 10.05 2,392.89 3.16 24.21 1,647.14 4,040.02 4.21 28.42 85.28 4,125.30 3.16 31.58 193.68 4,318.98 2.11 33.68 7,097.21 11,416.19 6.32 40.00 541.87 11,958.07 26.32 66.32 22,480.39 34,438.46 13.68 80.00 484.58 34,923.04 8.42 88.42 1,208.57 36,131.61 11.58 100.00 430.61 36,562.23 36,562.23

BAND

0.55 0.00 0.04 0.00 0.32 0.53 0.14 0.05 4.76 0.13 0.03 4.51 0.23 0.53 19.41 1.48 61.49 1.33 3.31 1.18

PERCENTAGE

CUM.

BAND

CUM

0.55 0.55 0.59 0.59 0.91 1.44 1.58 1.63 6.39 6.52 6.54 11.05 11.28 11.81 31.22 32.71 94.19 95.52 98.82 100.00

15.25 2.91 12.73 0.00 26.23 31.18 10.66 1.89 315.89 9.67 1.73 178.93 7.69 10.20 379.51 8.52 211.61 4.61 5.20 6.54

15.25 14.82 14.66 13.49 16.29 19.73 18.34 14.31 49.50 45.81 41.37 60.26 52.80 44.47 98.57 66.64 120.55 89.37 57.97 53.06 53.06

Page 98 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2003

15/12/2004

DATE

15/02/2005

Chemical / Oils / Gas

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

318 162 252 211 396 346 384 440 295 251 213 252 176 298 194 321 352 171 144 40 5.216

318 480 732 943 1.339 1.685 2.069 2.509 2.804 3.055 3.268 3.520 3.696 3.994 4.188 4.509 4.861 5.032 5.176 5.216

BAND

CUM.

6.10 6.10 3.11 9.20 4.83 14.03 4.05 18.08 7.59 25.67 6.63 32.30 7.36 39.67 8.44 48.10 5.66 53.76 4.81 58.57 4.08 62.65 4.83 67.48 3.37 70.86 5.71 76.57 3.72 80.29 6.15 86.45 6.75 93.19 3.28 96.47 2.76 99.23 0.77 100.00

PERCENTAGE rp

2,918.55 128.92 190.71 250.27 647.49 719.35 1,551.77 1,671.62 1,551.20 1,442.07 2,209.92 2,173.22 1,978.43 3,782.78 3,923.59 7,418.29 14,652.97 14,762.41 19,215.99 18,109.74

2,918.55 3,047.47 3,238.18 3,488.45 4,135.94 4,855.28 6,407.05 8,078.67 9,629.86 11,071.93 13,281.85 15,455.07 17,433.50 21,216.27 25,139.86 32,558.15 47,211.12 61,973.53 81,189.53 99,299.27

99,299.27

BAND

2.94 0.13 0.19 0.25 0.65 0.72 1.56 1.68 1.56 1.45 2.23 2.19 1.99 3.81 3.95 7.47 14.76 14.87 19.35 18.24

CUM.

2.94 3.07 3.26 3.51 4.17 4.89 6.45 8.14 9.70 11.15 13.38 15.56 17.56 21.37 25.32 32.79 47.54 62.41 81.76 100.00

PERCENTAGE f

11 1 1 1 4 1 7 6 4 5 7 15 5 7 9 13 18 18 9 1 143

11 12 13 14 18 19 26 32 36 41 48 63 68 75 84 97 115 133 142 143

BAND

CUM.

PERCENTAGE rp

7.69 7.69 280.85 0.70 8.39 2.29 0.70 9.09 200.00 0.70 9.79 20.02 2.80 12.59 1,254.59 0.70 13.29 667.54 4.90 18.18 35.31 4.20 22.38 1,865.85 2.80 25.17 278.11 3.50 28.67 1,854.18 4.90 33.57 859.04 10.49 44.06 1,343.92 3.50 47.55 3,292.15 4.90 52.45 2,222.88 6.29 58.74 214.86 9.09 67.83 1,747.50 12.59 80.42 9,203.73 12.59 93.01 4,341.45 6.29 99.30 44,427.08 0.70 100.00 30.24 74,141.59

280.85 283.14 483.14 503.16 1,757.75 2,425.29 2,460.60 4,326.45 4,604.56 6,458.74 7,317.78 8,661.70 11,953.85 14,176.73 14,391.59 16,139.09 25,342.82 29,684.27 74,111.35 74,141.59

BAND

0.38 0.00 0.27 0.03 1.69 0.90 0.05 2.52 0.38 2.50 1.16 1.81 4.44 3.00 0.29 2.36 12.41 5.86 59.92 0.04

CUM.

0.38 0.38 0.65 0.68 2.37 3.27 3.32 5.84 6.21 8.71 9.87 11.68 16.12 19.12 19.41 21.77 34.18 40.04 99.96 100.00

PERCENTAGE BAND

9.62 1.77 104.87 8.00 193.76 92.80 2.28 111.62 17.93 128.58 38.87 61.84 166.40 58.76 5.48 23.56 62.81 29.41 231.20 0.17

CUM

9.62 9.29 14.92 14.42 42.50 49.95 38.40 53.55 47.82 58.33 55.10 56.04 68.57 66.82 57.25 49.57 53.68 47.90 91.28 74.66 74.66

Page 99 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2003

15/12/2004

DATE

15/02/2005

Textiles

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

737 865 1.286 921 1.289 737 564 532 344 213 154 236 179 261 176 327 326 161 126 29 9.463

737 1.602 2.888 3.809 5.098 5.835 6.399 6.931 7.275 7.488 7.642 7.878 8.057 8.318 8.494 8.821 9.147 9.308 9.434 9.463

BAND

CUM.

PERCENTAGE rp

7.79 7.79 4,825.26 4,825.26 9.14 16.93 348.85 5,174.11 13.59 30.52 936.15 6,110.26 9.73 40.25 1,024.36 7,134.62 13.62 53.87 2,623.47 9,758.09 7.79 61.66 1,608.56 11,366.65 5.96 67.62 1,777.56 13,144.22 5.62 73.24 2,178.28 15,322.50 3.64 76.88 2,003.48 17,325.98 2.25 79.13 1,278.30 18,604.28 1.63 80.76 1,108.91 19,713.19 2.49 83.25 2,161.50 21,874.68 1.89 85.14 1,831.21 23,705.90 2.76 87.90 3,990.49 27,696.38 1.86 89.76 3,049.61 30,745.99 3.46 93.22 8,705.16 39,451.14 3.44 96.66 13,885.24 53,336.38 1.70 98.36 12,512.73 65,849.12 1.33 99.69 15,463.94 81,313.06 0.31 100.00 3,177.94 84,491.00 84,491.00

BAND

5.71 0.41 1.11 1.21 3.11 1.90 2.10 2.58 2.37 1.51 1.31 2.56 2.17 4.72 3.61 10.30 16.43 14.81 18.30 3.76

CUM.

5.71 6.12 7.23 8.44 11.55 13.45 15.56 18.14 20.51 22.02 23.33 25.89 28.06 32.78 36.39 46.69 63.13 77.94 96.24 100.00

PERCENTAGE f

12 4 3 7 9 2 1 7 0 2 4 6 6 6 7 31 41 21 21 2 192

12 16 19 26 35 37 38 45 45 47 51 57 63 69 76 107 148 169 190 192

BAND

CUM.

PERCENTAGE rp

6.25 6.25 1,108.88 1,108.88 2.08 8.33 172.91 1,281.78 1.56 9.90 128.08 1,409.86 3.65 13.54 559.43 1,969.29 4.69 18.23 7,529.86 9,499.15 1.04 19.27 550.00 10,049.15 0.52 19.79 0.21 10,049.36 3.65 23.44 324.43 10,373.79 0.00 23.44 0.00 10,373.79 1.04 24.48 1.91 10,375.70 2.08 26.56 482.80 10,858.50 3.13 29.69 6.85 10,865.35 3.13 32.81 361.93 11,227.28 3.13 35.94 76.03 11,303.31 3.65 39.58 243.62 11,546.94 16.15 55.73 10,072.47 21,619.41 21.35 77.08 1,718.52 23,337.93 10.94 88.02 4,200.61 27,538.54 10.94 98.96 14,769.18 42,307.72 1.04 100.00 46.21 42,353.93 42,353.93

BAND

2.62 0.41 0.30 1.32 17.78 1.30 0.00 0.77 0.00 0.00 1.14 0.02 0.85 0.18 0.58 23.78 4.06 9.92 34.87 0.11

CUM.

2.62 3.03 3.33 4.65 22.43 23.73 23.73 24.49 24.49 24.50 25.64 25.65 26.51 26.69 27.26 51.04 55.10 65.02 99.89 100.00

PERCENTAGE BAND

22.98 49.57 13.68 54.61 287.02 34.19 0.01 14.89 0.00 0.15 43.54 0.32 19.76 1.91 7.99 115.71 12.38 33.57 95.51 1.45

CUM

22.98 24.77 23.07 27.60 97.35 88.41 76.45 67.70 59.87 55.77 55.08 49.67 47.36 40.81 37.56 54.80 43.76 41.82 52.03 50.13 50.13

Page 100 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2003

15/12/2004

DATE

15/02/2005

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

460 454 687 496 640 445 379 381 296 158 149 206 154 205 171 246 204 98 80 31 5.940

460 914 1.601 2.097 2.737 3.182 3.561 3.942 4.238 4.396 4.545 4.751 4.905 5.110 5.281 5.527 5.731 5.829 5.909 5.940

BAND

CUM.

PERCENTAGE rp

7.74 7.74 2,362.96 2,362.96 7.64 15.39 195.01 2,557.96 11.57 26.95 587.02 3,144.98 8.35 35.30 622.85 3,767.84 10.77 46.08 1,210.11 4,977.94 7.49 53.57 1,184.90 6,162.85 6.38 59.95 1,441.65 7,604.50 6.41 66.36 1,891.77 9,496.27 4.98 71.35 1,755.29 11,251.56 2.66 74.01 1,069.80 12,321.36 2.51 76.52 1,623.09 13,944.44 3.47 79.98 2,342.53 16,286.97 2.59 82.58 2,018.03 18,304.99 3.45 86.03 3,293.42 21,598.41 2.88 88.91 3,313.79 24,912.20 4.14 93.05 8,716.04 33,628.24 3.43 96.48 10,908.76 44,537.00 1.65 98.13 8,808.70 53,345.70 1.35 99.48 12,941.09 66,286.79 0.52 100.00 18,964.91 85,251.70 85,251.70

BAND

2.77 0.23 0.69 0.73 1.42 1.39 1.69 2.22 2.06 1.25 1.90 2.75 2.37 3.86 3.89 10.22 12.80 10.33 15.18 22.25

CUM.

2.77 3.00 3.69 4.42 5.84 7.23 8.92 11.14 13.20 14.45 16.36 19.10 21.47 25.33 29.22 39.45 52.24 62.57 77.75 100.00

PERCENTAGE f

8 2 2 1 6 4 1 2 0 5 0 3 1 5 1 18 15 2 0 2 78

BAND

CUM.

PERCENTAGE rp

8 10.26 10.26 2,062.91 2,062.91 10 2.56 12.82 13.78 2,076.69 12 2.56 15.38 30.96 2,107.65 13 1.28 16.67 136.37 2,244.02 19 7.69 24.36 2,045.03 4,289.04 23 5.13 29.49 457.81 4,746.85 24 1.28 30.77 8.75 4,755.60 26 2.56 33.33 971.38 5,726.98 26 0.00 33.33 0.00 5,726.98 31 6.41 39.74 2,865.82 8,592.80 31 0.00 39.74 0.00 8,592.80 34 3.85 43.59 38.15 8,630.95 35 1.28 44.87 32.22 8,663.17 40 6.41 51.28 1,043.95 9,707.12 41 1.28 52.56 15.83 9,722.95 59 23.08 75.64 10,153.34 19,876.29 74 19.23 94.87 9,521.88 29,398.17 76 2.56 97.44 17.84 29,416.01 76 0.00 97.44 0.00 29,416.01 78 2.56 100.00 203.61 29,619.62 29,619.62

BAND

6.96 0.05 0.10 0.46 6.90 1.55 0.03 3.28 0.00 9.68 0.00 0.13 0.11 3.52 0.05 34.28 32.15 0.06 0.00 0.69

PERCENTAGE

CUM.

BAND

6.96 7.01 7.12 7.58 14.48 16.03 16.06 19.34 19.34 29.01 29.01 29.14 29.25 32.77 32.83 67.11 99.25 99.31 99.31 100.00

87.30 7.07 5.27 21.89 169.00 38.64 0.61 51.35 0.00 267.88 0.00 1.63 1.60 31.70 0.48 116.49 87.29 0.20 0.00 1.07

CUM

87.30 81.19 67.02 59.56 86.16 77.02 62.54 60.31 50.90 69.74 61.62 52.99 47.33 44.94 39.03 59.11 66.01 55.14 44.38 34.74 34.74

Page 101 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: 26

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

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

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

525 373 493 331 431 284 295 327 252 151 141 167 153 177 113 191 156 80 81 7

525 898 1.391 1.722 2.153 2.437 2.732 3.059 3.311 3.462 3.603 3.770 3.923 4.100 4.213 4.404 4.560 4.640 4.721 4.728

4.728

BAND

PERCENTAGE

CUM.

11.10 11.10 7.89 18.99 10.43 29.42 7.00 36.42 9.12 45.54 6.01 51.54 6.24 57.78 6.92 64.70 5.33 70.03 3.19 73.22 2.98 76.21 3.53 79.74 3.24 82.97 3.74 86.72 2.39 89.11 4.04 93.15 3.30 96.45 1.69 98.14 1.71 99.85 0.15 100.00

4,767.50 270.38 657.61 666.39 1,851.03 1,194.65 1,775.63 2,635.29 2,559.79 1,758.01 3,244.15 2,921.55 3,636.68 4,310.93 3,470.14 8,599.00 20,235.63 9,230.31 26,628.38 4,727.92

4,767.50 5,037.89 5,695.49 6,361.89 8,212.91 9,407.57 11,183.19 13,818.48 16,378.27 18,136.28 21,380.44 24,301.98 27,938.67 32,249.60 35,719.74 44,318.74 64,554.37 73,784.68 100,413.05 105,140.97

105,140.97

BAND

CUM.

4.53 4.53 0.26 4.79 0.63 5.42 0.63 6.05 1.76 7.81 1.14 8.95 1.69 10.64 2.51 13.14 2.43 15.58 1.67 17.25 3.09 20.34 2.78 23.11 3.46 26.57 4.10 30.67 3.30 33.97 8.18 42.15 19.25 61.40 8.78 70.18 25.33 95.50 4.50 100.00

PERCENTAGE f

5 0 1 4 6 5 3 5 6 2 5 8 9 8 11 11 13 10 13 0 125

5 5 6 10 16 21 24 29 35 37 42 50 59 67 78 89 102 112 125 125

BAND

CUM.

PERCENTAGE rp

4.00 4.00 9,779.20 9,779.20 0.00 4.00 0.00 9,779.20 0.80 4.80 111.72 9,890.92 3.20 8.00 1,071.94 10,962.86 4.80 12.80 2,485.75 13,448.60 4.00 16.80 1,603.97 15,052.58 2.40 19.20 25.24 15,077.82 4.00 23.20 1,727.62 16,805.45 4.80 28.00 2,321.64 19,127.08 1.60 29.60 482.29 19,609.37 4.00 33.60 179.90 19,789.27 6.40 40.00 393.23 20,182.50 7.20 47.20 6,013.92 26,196.42 6.40 53.60 25,910.23 52,106.65 8.80 62.40 7,918.36 60,025.01 8.80 71.20 19,455.93 79,480.94 10.40 81.60 1,473.56 80,954.50 8.00 89.60 6,439.89 87,394.39 10.40 100.00 9,772.87 97,167.26 0.00 100.00 0.00 97,167.26 97,167.26

BAND

PERCENTAGE

CUM.

10.06 10.06 0.00 10.06 0.11 10.18 1.10 11.28 2.56 13.84 1.65 15.49 0.03 15.52 1.78 17.30 2.39 19.68 0.50 20.18 0.19 20.37 0.40 20.77 6.19 26.96 26.67 53.63 8.15 61.77 20.02 81.80 1.52 83.31 6.63 89.94 10.06 100.00 0.00 100.00

BAND

CUM

205.12 0.00 16.99 160.86 134.29 134.26 1.42 65.56 90.70 27.43 5.55 13.46 165.37 601.04 228.19 226.26 7.28 69.77 36.70 0.00

205.12 194.11 173.66 172.32 163.75 160.00 134.83 121.62 116.78 108.12 92.56 83.05 93.76 161.57 168.04 179.34 125.41 118.45 96.77 92.42 92.42

Page 102 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

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

1.584 890 1.087 715 922 554 471 443 313 217 171 214 186 237 180 289 319 131 107 41 9.071

1.584 2.474 3.561 4.276 5.198 5.752 6.223 6.666 6.979 7.196 7.367 7.581 7.767 8.004 8.184 8.473 8.792 8.923 9.030 9.071

BAND

CUM.

17.46 17.46 9.81 27.27 11.98 39.26 7.88 47.14 10.16 57.30 6.11 63.41 5.19 68.60 4.88 73.49 3.45 76.94 2.39 79.33 1.89 81.21 2.36 83.57 2.05 85.62 2.61 88.24 1.98 90.22 3.19 93.41 3.52 96.92 1.44 98.37 1.18 99.55 0.45 100.00

PERCENTAGE rp

2,818.15 229.50 782.16 635.44 1,066.22 1,341.11 1,068.39 1,346.57 1,301.37 919.74 847.58 1,444.05 1,680.60 2,376.59 2,848.63 7,417.13 17,184.16 6,977.50 11,177.93 3,290.19

2,818.15 3,047.65 3,829.81 4,465.25 5,531.47 6,872.58 7,940.97 9,287.54 10,588.91 11,508.64 12,356.22 13,800.27 15,480.86 17,857.46 20,706.08 28,123.21 45,307.37 52,284.87 63,462.80 66,752.99

66,752.99

BAND

4.22 0.34 1.17 0.95 1.60 2.01 1.60 2.02 1.95 1.38 1.27 2.16 2.52 3.56 4.27 11.11 25.74 10.45 16.75 4.93

CUM.

4.22 4.57 5.74 6.69 8.29 10.30 11.90 13.91 15.86 17.24 18.51 20.67 23.19 26.75 31.02 42.13 67.87 78.33 95.07 100.00

PERCENTAGE f

14 0 7 5 1 20 9 21 2 4 4 3 1 5 5 9 17 1 11 0 139

14 14 21 26 27 47 56 77 79 83 87 90 91 96 101 110 127 128 139 139

BAND

CUM.

10.07 10.07 0.00 10.07 5.04 15.11 3.60 18.71 0.72 19.42 14.39 33.81 6.47 40.29 15.11 55.40 1.44 56.83 2.88 59.71 2.88 62.59 2.16 64.75 0.72 65.47 3.60 69.06 3.60 72.66 6.47 79.14 12.23 91.37 0.72 92.09 7.91 100.00 0.00 100.00

PERCENTAGE rp

609.05 0.00 608.09 333.35 30.90 127.26 1,282.63 1,496.19 2,007.25 50.33 1,420.98 206.37 7.00 3,172.23 78.57 368.20 1,414.48 6.00 3,097.48 0.00 16,316.38

609.05 609.05 1,217.14 1,550.49 1,581.40 1,708.66 2,991.30 4,487.49 6,494.74 6,545.07 7,966.05 8,172.42 8,179.42 11,351.65 11,430.22 11,798.42 13,212.90 13,218.90 16,316.38 16,316.38

BAND

3.73 0.00 3.73 2.04 0.19 0.78 7.86 9.17 12.30 0.31 8.71 1.26 0.04 19.44 0.48 2.26 8.67 0.04 18.98 0.00

PERCENTAGE

CUM.

BAND

3.73 3.73 7.46 9.50 9.69 10.47 18.33 27.50 39.81 40.11 48.82 50.09 50.13 69.57 70.05 72.31 80.98 81.02 100.00 100.00

21.61 0.00 77.75 52.46 2.90 9.49 120.05 111.11 154.24 5.47 167.65 14.29 0.42 133.48 2.76 4.96 8.23 0.09 27.71 0.00

CUM

21.61 19.98 31.78 34.72 28.59 24.86 37.67 48.32 61.34 56.87 64.47 59.22 52.84 63.57 55.20 41.95 29.16 25.28 25.71 24.44 24.44

Page 103 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: 28

DATA POSITION FROM PROCESSING

01/01/2003

15/12/2004

DATE

15/02/2005

Power and Heating

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

12 5 10 4 12 5 8 8 6 7 7 10 4 8 4 28 15 2 2 3 160

12 17 27 31 43 48 56 64 70 77 84 94 98 106 110 138 153 155 157 160

BAND

CUM.

7.50 7.50 3.13 10.63 6.25 16.88 2.50 19.38 7.50 26.88 3.13 30.00 5.00 35.00 5.00 40.00 3.75 43.75 4.38 48.13 4.38 52.50 6.25 58.75 2.50 61.25 5.00 66.25 2.50 68.75 17.50 86.25 9.38 95.63 1.25 96.88 1.25 98.13 1.88 100.00

PERCENTAGE rp

210.49 3.44 1.96 3.20 13.15 5.99 8.02 9.02 21.70 13.64 17.59 26.87 16.69 33.56 32.85 405.38 667.66 165.96 206.95 3,270.14 5,134.28

210.49 213.92 215.88 219.09 232.24 238.23 246.26 255.27 276.97 290.61 308.21 335.08 351.77 385.33 418.18 823.56 1,491.23 1,657.19 1,864.15 5,134.28

BAND

4.10 0.07 0.04 0.06 0.26 0.12 0.16 0.18 0.42 0.27 0.34 0.52 0.33 0.65 0.64 7.90 13.00 3.23 4.03 63.69

CUM.

4.10 4.17 4.20 4.27 4.52 4.64 4.80 4.97 5.39 5.66 6.00 6.53 6.85 7.51 8.14 16.04 29.04 32.28 36.31 100.00

PERCENTAGE f

0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 1 0 0 0 0 2

BAND

0 0 0 0 0 0 1 1 1 1 1 1 1 1 1 2 2 2 2 2

0.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 36.38 0.00 0.00 0.00 0.00 36.55

0.00 0.00 0.00 0.00 0.00 0.00 0.16 0.16 0.16 0.16 0.16 0.16 0.16 0.16 0.16 36.55 36.55 36.55 36.55 36.55

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.45 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 99.55 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.45 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 2.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.98 0.00 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.07 0.06 0.06 0.06 0.05 0.05 0.05 0.04 0.04 4.44 2.45 2.21 1.96 0.71 0.71

Page 104 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: 29

01/01/2003

15/12/2004

DATE

15/02/2004

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

86.497 89.420 103.029 56.026 55.095 25.129 17.559 12.324 6.439 3.386 2.577 2.881 1.939 2.204 1.368 1.992 1.463 609 599 159 470.695

86.497 175.917 278.946 334.972 390.067 415.196 432.755 445.079 451.518 454.904 457.481 460.362 462.301 464.505 465.873 467.865 469.328 469.937 470.536 470.695

BAND

CUM.

PERCENTAGE rp

18.38 18.38 36,406.56 19.00 37.37 20,293.05 21.89 59.26 41,798.80 11.90 71.17 36,580.04 11.71 82.87 55,666.06 5.34 88.21 38,077.75 3.73 91.94 38,029.20 2.62 94.56 38,829.52 1.37 95.93 24,892.52 0.72 96.65 15,947.55 0.55 97.19 14,680.44 0.61 97.80 19,737.05 0.41 98.22 15,809.88 0.47 98.68 21,773.97 0.29 98.98 19,398.51 0.42 99.40 38,490.73 0.31 99.71 52,367.75 0.13 99.84 38,942.74 0.13 99.97 147,378.95 0.03 100.00 227,436.05 942,537.14

36,406.56 56,699.61 98,498.42 135,078.46 190,744.52 228,822.27 266,851.48 305,681.00 330,573.52 346,521.06 361,201.50 380,938.55 396,748.43 418,522.40 437,920.91 476,411.64 528,779.39 567,722.13 715,101.09 942,537.14

BAND

CUM.

3.86 3.86 2.15 6.02 4.43 10.45 3.88 14.33 5.91 20.24 4.04 24.28 4.03 28.31 4.12 32.43 2.64 35.07 1.69 36.76 1.56 38.32 2.09 40.42 1.68 42.09 2.31 44.40 2.06 46.46 4.08 50.55 5.56 56.10 4.13 60.23 15.64 75.87 24.13 100.00

PERCENTAGE f

BAND

163 176 221 126 158 79 83 51 37 26 30 33 27 40 35 81 71 44 88 61

163 339 560 686 844 923 1.006 1.057 1.094 1.120 1.150 1.183 1.210 1.250 1.285 1.366 1.437 1.481 1.569 1.630

10.00 10.00 10.80 20.80 13.56 34.36 7.73 42.09 9.69 51.78 4.85 56.63 5.09 61.72 3.13 64.85 2.27 67.12 1.60 68.71 1.84 70.55 2.02 72.58 1.66 74.23 2.45 76.69 2.15 78.83 4.97 83.80 4.36 88.16 2.70 90.86 5.40 96.26 3.74 100.00

1.630

CUM.

19,073.83 8,612.24 17,575.31 7,956.52 15,873.98 7,351.56 11,921.32 10,399.36 14,740.21 5,005.64 29,571.39 5,577.09 6,709.64 11,307.54 11,600.32 26,524.57 12,727.50 15,179.58 16,820.95 36,599.38 291,127.93

PERCENTAGE

BAND

CUM.

19,073.83 6.55 6.55 52.39 27,686.07 2.96 9.51 42.44 45,261.38 6.04 15.55 42.05 53,217.90 2.73 18.28 21.75 69,091.89 5.45 23.73 28.52 76,443.44 2.53 26.26 19.31 88,364.77 4.09 30.35 31.35 98,764.13 3.57 33.92 26.78 113,504.34 5.06 38.99 59.22 118,509.98 1.72 40.71 31.39 148,081.37 10.16 50.86 201.43 153,658.46 1.92 52.78 28.26 160,368.10 2.30 55.09 42.44 171,675.63 3.88 58.97 51.93 183,275.95 3.98 62.95 59.80 209,800.52 9.11 72.06 68.91 222,528.02 4.37 76.44 24.30 237,707.61 5.21 81.65 38.98 254,528.55 5.78 87.43 11.41 291,127.93 12.57 100.00 16.09

CUM

52.39 48.83 45.95 39.40 36.22 33.41 33.11 32.31 34.34 34.20 41.00 40.34 40.42 41.02 41.85 44.04 42.08 41.87 35.59 30.89 30.89

Page 105 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2003

15/12/2004

DATE

15/02/2005

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

70 19 20 19 32 28 16 10 16 5 7 9 10 6 4 4 7 1 1 0 284

70 89 109 128 160 188 204 214 230 235 242 251 261 267 271 275 282 283 284 284

BAND

CUM.

24.65 24.65 6.69 31.34 7.04 38.38 6.69 45.07 11.27 56.34 9.86 66.20 5.63 71.83 3.52 75.35 5.63 80.99 1.76 82.75 2.46 85.21 3.17 88.38 3.52 91.90 2.11 94.01 1.41 95.42 1.41 96.83 2.46 99.30 0.35 99.65 0.35 100.00 0.00 100.00

PERCENTAGE rp

9.51 8.98 141.96 37.19 138.14 97.78 107.41 75.51 101.41 101.02 67.96 156.70 194.61 171.41 64.83 221.29 467.85 478.68 878.26 0.00 3,236.57

9.51 18.49 123.46 86.28 51.87 149.64 257.05 332.56 433.96 534.98 602.94 759.64 954.25 1,125.66 1,190.49 1,411.78 1,879.63 2,358.31 3,236.57 3,236.57

BAND

0.29 0.28 4.39 1.15 4.27 3.02 3.32 2.33 3.13 3.12 2.10 4.84 6.01 5.30 2.00 6.84 14.46 14.79 27.14 0.00

CUM.

0.29 0.57 3.81 2.67 1.60 4.62 7.94 10.28 13.41 16.53 18.63 23.47 29.48 34.78 36.78 43.62 58.07 72.86 100.00 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 2 3 0 7

BAND

1 1 1 1 2 2 4 7 7

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 14.29 14.29 0.00 14.29 0.00 14.29 0.00 14.29 14.29 28.57 0.00 28.57 28.57 57.14 42.86 100.00 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 0.00 204.95 0.00 0.00 0.00 365.88 0.00 116.50 54.07 0.00 741.41

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 204.95 204.95 204.95 204.95 570.83 570.83 687.33 741.41 741.41

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 27.64 0.00 0.00 0.00 49.35 0.00 15.71 7.29 0.00

PERCENTAGE

CUM.

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 27.64 27.64 27.64 27.64 76.99 76.99 92.71 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 130.79 0.00 0.00 0.00 165.34 0.00 24.34 6.16 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 26.98 21.48 18.21 17.22 40.43 30.37 29.14 22.91 22.91 22.91

Page 106 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2003

15/12/2004

DATE

15/02/2005

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

86 30 32 13 49 40 42 34 26 30 18 38 29 86 55 88 79 67 15 0 857

86 116 148 161 210 250 292 326 352 382 400 438 467 553 608 696 775 842 857 857

BAND

CUM.

10.04 10.04 3.50 13.54 3.73 17.27 1.52 18.79 5.72 24.50 4.67 29.17 4.90 34.07 3.97 38.04 3.03 41.07 3.50 44.57 2.10 46.67 4.43 51.11 3.38 54.49 10.04 64.53 6.42 70.95 10.27 81.21 9.22 90.43 7.82 98.25 1.75 100.00 0.00 100.00

PERCENTAGE rp

874.32 140.43 40.41 60.21 160.52 193.76 318.89 435.09 800.21 382.04 965.31 623.60 1,081.59 1,543.25 3,278.05 6,655.95 4,335.70 4,441.42 884.54 0.00

874.32 1,014.74 1,055.15 1,115.37 1,275.88 1,469.64 1,788.53 2,223.62 3,023.83 3,405.87 4,371.18 4,994.78 6,076.37 7,619.62 10,897.67 17,553.62 21,889.32 26,330.74 27,215.29 27,215.29

27,215.29

BAND

3.21 0.52 0.15 0.22 0.59 0.71 1.17 1.60 2.94 1.40 3.55 2.29 3.97 5.67 12.04 24.46 15.93 16.32 3.25 0.00

CUM.

3.21 3.73 3.88 4.10 4.69 5.40 6.57 8.17 11.11 12.51 16.06 18.35 22.33 28.00 40.04 64.50 80.43 96.75 100.00 100.00

PERCENTAGE f

4 0 0 0 0 0 1 0 23 1 38 0 41 1 54 6 10 1 0 0 180

4 4 4 4 4 4 5 5 28 29 67 67 108 109 163 169 179 180 180 180

BAND

CUM.

PERCENTAGE rp

2.22 2.22 93.83 0.00 2.22 0.00 0.00 2.22 0.00 0.00 2.22 0.00 0.00 2.22 0.00 0.00 2.22 0.00 0.56 2.78 132.00 0.00 2.78 0.00 12.78 15.56 213.28 0.56 16.11 4.00 21.11 37.22 905.44 0.00 37.22 0.00 22.78 60.00 1,014.38 0.56 60.56 178.55 30.00 90.56 1,379.94 3.33 93.89 303.55 5.56 99.44 1,330.44 0.56 100.00 108.50 0.00 100.00 0.00 0.00 100.00 0.00 5,663.92

93.83 93.83 93.83 93.83 93.83 93.83 225.83 225.83 439.11 443.11 1,348.56 1,348.56 2,362.94 2,541.49 3,921.43 4,224.98 5,555.42 5,663.92 5,663.92 5,663.92

BAND

1.66 0.00 0.00 0.00 0.00 0.00 2.33 0.00 3.77 0.07 15.99 0.00 17.91 3.15 24.36 5.36 23.49 1.92 0.00 0.00

CUM.

1.66 1.66 1.66 1.66 1.66 1.66 3.99 3.99 7.75 7.82 23.81 23.81 41.72 44.87 69.24 74.59 98.08 100.00 100.00 100.00

PERCENTAGE BAND

10.73 0.00 0.00 0.00 0.00 0.00 41.39 0.00 26.65 1.05 93.80 0.00 93.79 11.57 42.10 4.56 30.69 2.44 0.00 0.00

CUM

10.73 9.25 8.89 8.41 7.35 6.38 12.63 10.16 14.52 13.01 30.85 27.00 38.89 33.35 35.98 24.07 25.38 21.51 20.81 20.81 20.81

Page 107 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: 32

DATA POSITION FROM PROCESSING

01/01/2003

15/12/2004

DATE

15/02/2005

Recreation Place

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

35 19 13 12 17 7 9 14 13 8 8 6 12 24 17 29 30 5 0 0 278

35 54 67 79 96 103 112 126 139 147 155 161 173 197 214 243 273 278 278 278

BAND

CUM.

12.59 12.59 6.83 19.42 4.68 24.10 4.32 28.42 6.12 34.53 2.52 37.05 3.24 40.29 5.04 45.32 4.68 50.00 2.88 52.88 2.88 55.76 2.16 57.91 4.32 62.23 8.63 70.86 6.12 76.98 10.43 87.41 10.79 98.20 1.80 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

14.39 44.96 17.21 14.93 19.39 9.62 23.40 57.14 54.03 60.67 74.73 69.58 172.85 612.19 402.51 1,078.98 2,269.74 875.04 0.00 0.00 5,871.35

14.39 59.35 76.56 91.49 110.88 120.50 143.90 201.04 255.07 315.74 390.47 460.05 632.89 1,245.09 1,647.59 2,726.57 4,996.31 5,871.35 5,871.35 5,871.35

BAND

0.25 0.77 0.29 0.25 0.33 0.16 0.40 0.97 0.92 1.03 1.27 1.19 2.94 10.43 6.86 18.38 38.66 14.90 0.00 0.00

CUM.

0.25 1.01 1.30 1.56 1.89 2.05 2.45 3.42 4.34 5.38 6.65 7.84 10.78 21.21 28.06 46.44 85.10 100.00 100.00 100.00

PERCENTAGE f

0 0 0 0 0 0 0 1 0 0 3 0 3 8 0 2 1 0 0 0 18

BAND

0 0 0 0 0 0 0 1 1 1 4 4 7 15 15 17 18 18 18 18

0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.56 0.00 0.00 16.67 0.00 16.67 44.44 0.00 11.11 5.56 0.00 0.00 0.00

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 5.56 17.26 17.26 5.56 0.00 17.26 5.56 0.00 17.26 22.22 96.19 113.45 22.22 0.00 113.45 38.89 36.36 149.80 83.33 242.77 392.58 83.33 0.00 392.58 94.44 69.58 462.16 100.00 98.35 560.50 100.00 0.00 560.50 100.00 0.00 560.50 100.00 0.00 560.50 560.50

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.08 0.00 0.00 17.16 0.00 6.49 43.31 0.00 12.41 17.55 0.00 0.00 0.00

PERCENTAGE

CUM.

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.08 3.08 3.08 20.24 20.24 26.73 70.04 70.04 82.45 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 30.21 0.00 0.00 128.71 0.00 21.03 39.66 0.00 6.45 4.33 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.59 6.77 5.47 29.05 24.66 23.67 31.53 23.83 16.95 11.22 9.55 9.55 9.55 9.55

Page 108 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

OCCUPATION CODE

: 40

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

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

11 3 3 3 1 4 1 4 8 0 0 1 2 3 1 5 6 4 3 1 64

BAND

11 14 17 20 21 25 26 30 38 38 38 39 41 44 45 50 56 60 63 64

CUM.

17.19 17.19 4.69 21.88 4.69 26.56 4.69 31.25 1.56 32.81 6.25 39.06 1.56 40.63 6.25 46.88 12.50 59.38 0.00 59.38 0.00 59.38 1.56 60.94 3.13 64.06 4.69 68.75 1.56 70.31 7.81 78.13 9.38 87.50 6.25 93.75 4.69 98.44 1.56 100.00

PERCENTAGE rp

34.48 34.48 1.01 33.47 1.69 31.79 1.69 30.09 0.51 29.58 5.37 24.21 2.05 22.16 5.59 16.57 64.58 48.01 0.00 48.01 0.00 48.01 1.97 49.98 14.12 64.10 12.39 76.48 33.03 109.51 77.46 186.97 526.42 713.39 872.60 1,586.00 617.32 2,203.32 160.99 2,364.31 2,364.31

BAND

1.46 0.04 0.07 0.07 0.02 0.23 0.09 0.24 2.73 0.00 0.00 0.08 0.60 0.52 1.40 3.28 22.27 36.91 26.11 6.81

CUM.

1.46 1.42 1.34 1.27 1.25 1.02 0.94 0.70 2.03 2.03 2.03 2.11 2.71 3.23 4.63 7.91 30.17 67.08 93.19 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 3 0 0 0 0 0 0 0 0 0 0 0 3

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 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 3 100.00 100.00 219.88 219.88 3 0.00 100.00 0.00 219.88 3 0.00 100.00 0.00 219.88 3 0.00 100.00 0.00 219.88 3 0.00 100.00 0.00 219.88 3 0.00 100.00 0.00 219.88 3 0.00 100.00 0.00 219.88 3 0.00 100.00 0.00 219.88 3 0.00 100.00 0.00 219.88 3 0.00 100.00 0.00 219.88 3 0.00 100.00 0.00 219.88 3 0.00 100.00 0.00 219.88 219.88

PERCENTAGE

BAND

CUM.

BAND

CUM

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 0.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 340.49 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 0.00 458.02 458.02 458.02 439.97 343.05 287.48 200.78 117.60 30.82 13.86 9.98 9.30 9.30

Page 109 of 180

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 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 01

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

NANGROE ACEH DARUSSALAM

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

441 608 692 267 197 82 54 22 12 4 5 12 6 10 8 5 21 9 5 4 2.464

441 1.049 1.741 2.008 2.205 2.287 2.341 2.363 2.375 2.379 2.384 2.396 2.402 2.412 2.420 2.425 2.446 2.455 2.460 2.464

BAND

CUM.

17.90 17.90 24.68 42.57 28.08 70.66 10.84 81.49 8.00 89.49 3.33 92.82 2.19 95.01 0.89 95.90 0.49 96.39 0.16 96.55 0.20 96.75 0.49 97.24 0.24 97.48 0.41 97.89 0.32 98.21 0.20 98.42 0.85 99.27 0.37 99.63 0.20 99.84 0.16 100.00

PERCENTAGE rp

80.10 191.59 533.90 331.74 396.34 253.60 181.96 80.38 44.48 29.08 8.43 110.58 45.54 130.63 77.43 136.38 1,071.56 503.21 51.07 1,638.17

80.10 271.70 805.60 1,137.34 1,533.68 1,787.28 1,969.24 2,049.62 2,094.10 2,123.18 2,131.61 2,242.19 2,287.73 2,418.36 2,495.79 2,632.17 3,703.73 4,206.94 4,258.02 5,896.19

5,896.19

BAND

1.36 3.25 9.06 5.63 6.72 4.30 3.09 1.36 0.75 0.49 0.14 1.88 0.77 2.22 1.31 2.31 18.17 8.53 0.87 27.78

CUM.

1.36 4.61 13.66 19.29 26.01 30.31 33.40 34.76 35.52 36.01 36.15 38.03 38.80 41.02 42.33 44.64 62.82 71.35 72.22 100.00

PERCENTAGE f

2 5 2 1 1 5 16

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

CUM

2 7 7 9 10 10 10 10 10 10 11 11 11 11 11 16 16 16 16

0.00 12.50 31.25 0.00 12.50 6.25 0.00 0.00 0.00 0.00 0.00 6.25 0.00 0.00 0.00 0.00 31.25 0.00 0.00 0.00

0.00 12.50 43.75 43.75 56.25 62.50 62.50 62.50 62.50 62.50 62.50 68.75 68.75 68.75 68.75 68.75 100.00 100.00 100.00 100.00

0.00 77.03 620.51 0.00 1,066.47 41.49 0.00 0.00 0.00 0.00 0.00 204.95 0.00 0.00 0.00 0.00 1,201.85 0.00 0.00 0.00

0.00 77.03 697.55 697.55 1,764.01 1,805.51 1,805.51 1,805.51 1,805.51 1,805.51 1,805.51 2,010.46 2,010.46 2,010.46 2,010.46 2,010.46 3,212.31 3,212.31 3,212.31 3,212.31

0.00 2.40 19.32 0.00 33.20 1.29 0.00 0.00 0.00 0.00 0.00 6.38 0.00 0.00 0.00 0.00 37.41 0.00 0.00 0.00

0.00 2.40 21.71 21.71 54.91 56.21 56.21 56.21 56.21 56.21 56.21 62.59 62.59 62.59 62.59 62.59 100.00 100.00 100.00 100.00

0.00 40.21 116.22 0.00 269.08 16.36 0.00 0.00 0.00 0.00 0.00 185.34 0.00 0.00 0.00 0.00 112.16 0.00 0.00 0.00

0.00 28.35 86.59 61.33 115.02 101.02 91.69 88.09 86.22 85.04 84.70 89.66 87.88 83.13 80.55 76.38 86.73 76.36 75.44 54.48

3,212.31

54.48

Page 110 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 02

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

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

5.180 6.446 8.530 4.275 3.683 1.358 1.059 658 354 223 168 201 180 179 130 221 164 76 34 11 33.130

5.180 11.626 20.156 24.431 28.114 29.472 30.531 31.189 31.543 31.766 31.934 32.135 32.315 32.494 32.624 32.845 33.009 33.085 33.119 33.130

BAND

CUM.

PERCENTAGE rp

15.64 15.64 2,066.43 19.46 35.09 1,487.50 25.75 60.84 3,776.03 12.90 73.74 3,159.83 11.12 84.86 4,378.37 4.10 88.96 2,331.59 3.20 92.16 3,002.08 1.99 94.14 2,365.40 1.07 95.21 1,892.15 0.67 95.88 1,208.05 0.51 96.39 1,828.26 0.61 97.00 1,796.39 0.54 97.54 2,256.57 0.54 98.08 2,264.15 0.39 98.47 2,562.95 0.67 99.14 6,017.06 0.50 99.63 17,310.35 0.23 99.86 5,212.85 0.10 99.97 5,544.97 0.03 100.00 9,875.20 80,336.17

2,066.43 3,553.93 7,329.95 10,489.78 14,868.15 17,199.73 20,201.81 22,567.21 24,459.36 25,667.41 27,495.67 29,292.06 31,548.63 33,812.79 36,375.73 42,392.80 59,703.15 64,916.00 70,460.96 80,336.17

BAND

2.57 1.85 4.70 3.93 5.45 2.90 3.74 2.94 2.36 1.50 2.28 2.24 2.81 2.82 3.19 7.49 21.55 6.49 6.90 12.29

CUM.

2.57 4.42 9.12 13.06 18.51 21.41 25.15 28.09 30.45 31.95 34.23 36.46 39.27 42.09 45.28 52.77 74.32 80.81 87.71 100.00

PERCENTAGE f

10 7 11 11 10 4 6 4 3 3 2 4 1 3 8 17 7 1 112

BAND

10 8.93 17 6.25 28 9.82 39 9.82 49 8.93 53 3.57 59 5.36 63 3.57 66 2.68 69 2.68 71 1.79 75 3.57 76 0.89 79 2.68 87 7.14 104 15.18 111 6.25 112 0.89 112 0.00 112 0.00

PERCENTAGE

CUM.

8.93 15.18 25.00 34.82 43.75 47.32 52.68 56.25 58.93 61.61 63.39 66.96 67.86 70.54 77.68 92.86 99.11 100.00 100.00 100.00

607.65 413.29 537.65 932.53 331.44 79.73 1,626.37 1,926.77 1,680.27 1,301.63 1,245.04 1,034.27 20.00 21,871.04 13,483.81 18,518.95 272.37 900.00 0.00 0.00

607.65 1,020.94 1,558.59 2,491.12 2,822.55 2,902.28 4,528.65 6,455.42 8,135.69 9,437.32 10,682.35 11,716.63 11,736.63 33,607.66 47,091.48 65,610.43 65,882.80 66,782.80 66,782.80 66,782.80

66,782.80

BAND

PERCENTAGE

CUM.

0.91 0.91 0.62 1.53 0.81 2.33 1.40 3.73 0.50 4.23 0.12 4.35 2.44 6.78 2.89 9.67 2.52 12.18 1.95 14.13 1.86 16.00 1.55 17.54 0.03 17.57 32.75 50.32 20.19 70.51 27.73 98.24 0.41 98.65 1.35 100.00 0.00 100.00 0.00 100.00

BAND

CUM

29.41 27.78 14.24 29.51 7.57 3.42 54.17 81.46 88.80 107.75 68.10 57.58 0.89 965.97 526.11 307.77 1.57 17.27 0.00 0.00

29.41 28.73 21.26 23.75 18.98 16.87 22.42 28.61 33.26 36.77 38.85 40.00 37.20 99.39 129.46 154.77 110.35 102.88 94.78 83.13 83.13

Page 111 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 03

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

SUMATERA 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

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

2.892 3.037 3.007 1.287 1.070 385 275 165 83 35 20 49 19 25 16 22 24 13 2 12.426

2.892 5.929 8.936 10.223 11.293 11.678 11.953 12.118 12.201 12.236 12.256 12.305 12.324 12.349 12.365 12.387 12.411 12.424 12.424 12.426

BAND

CUM.

23.27 23.27 24.44 47.71 24.20 71.91 10.36 82.27 8.61 90.88 3.10 93.98 2.21 96.19 1.33 97.52 0.67 98.19 0.28 98.47 0.16 98.63 0.39 99.03 0.15 99.18 0.20 99.38 0.13 99.51 0.18 99.69 0.19 99.88 0.10 99.98 0.00 99.98 0.02 100.00

PERCENTAGE rp

295.33 519.27 1,000.96 777.88 1,150.51 647.69 601.66 506.23 271.19 152.28 121.19 302.94 131.50 251.42 219.57 572.16 1,343.64 1,212.41 0.00 307.23

295.33 814.60 1,815.56 2,593.44 3,743.95 4,391.64 4,993.30 5,499.53 5,770.73 5,923.01 6,044.20 6,347.14 6,478.64 6,730.06 6,949.63 7,521.79 8,865.44 10,077.85 10,077.85 10,385.08

10,385.08

BAND

2.84 5.00 9.64 7.49 11.08 6.24 5.79 4.87 2.61 1.47 1.17 2.92 1.27 2.42 2.11 5.51 12.94 11.67 0.00 2.96

CUM.

2.84 7.84 17.48 24.97 36.05 42.29 48.08 52.96 55.57 57.03 58.20 61.12 62.38 64.81 66.92 72.43 85.37 97.04 97.04 100.00

PERCENTAGE f

8 2 5 1 4 1 1 2 3 1 28

BAND

CUM.

8 10 15 16 20 21 22 22 22 22 22 22 22 22 22 24 27 28 28 28

28.57 28.57 7.14 35.71 17.86 53.57 3.57 57.14 14.29 71.43 3.57 75.00 3.57 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 7.14 85.71 10.71 96.43 3.57 100.00 0.00 100.00 0.00 100.00

PERCENTAGE

BAND

CUM.

BAND

CUM

432.76 170.00 897.69 22.58 1,541.19 0.00 132.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 389.69 744.69 0.00 0.00 0.00

432.76 602.76 1,500.45 1,523.03 3,064.22 3,064.22 3,196.22 3,196.22 3,196.22 3,196.22 3,196.22 3,196.22 3,196.22 3,196.22 3,196.22 3,585.91 4,330.60 4,330.60 4,330.60 4,330.60

9.99 3.93 20.73 0.52 35.59 0.00 3.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.00 17.20 0.00 0.00 0.00

9.99 13.92 34.65 35.17 70.76 70.76 73.81 73.81 73.81 73.81 73.81 73.81 73.81 73.81 73.81 82.80 100.00 100.00 100.00 100.00

146.54 32.74 89.68 2.90 133.96 0.00 21.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 68.11 55.42 0.00 0.00 0.00

146.54 74.00 82.64 58.73 81.84 69.77 64.01 58.12 55.39 53.96 52.88 50.36 49.33 47.49 45.99 47.67 48.85 42.97 42.97 41.70

4,330.60

41.70

Page 112 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 04

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

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

2.766 4.011 4.919 2.311 1.888 763 489 336 191 141 81 120 77 118 79 140 126 62 58 25 18.701

2.766 6.777 11.696 14.007 15.895 16.658 17.147 17.483 17.674 17.815 17.896 18.016 18.093 18.211 18.290 18.430 18.556 18.618 18.676 18.701

BAND

CUM.

14.79 14.79 21.45 36.24 26.30 62.54 12.36 74.90 10.10 85.00 4.08 89.08 2.61 91.69 1.80 93.49 1.02 94.51 0.75 95.26 0.43 95.70 0.64 96.34 0.41 96.75 0.63 97.38 0.42 97.80 0.75 98.55 0.67 99.22 0.33 99.56 0.31 99.87 0.13 100.00

PERCENTAGE rp

1,551.61 1,023.44 2,515.59 2,203.21 3,031.73 1,785.25 1,546.61 1,381.54 509.44 806.70 505.74 770.27 625.73 1,144.05 1,169.10 2,908.70 3,882.96 3,475.56 5,016.79 3,294.45

1,551.61 2,575.05 5,090.64 7,293.85 10,325.58 12,110.83 13,657.44 15,038.99 15,548.43 16,355.13 16,860.86 17,631.14 18,256.87 19,400.92 20,570.01 23,478.71 27,361.67 30,837.23 35,854.02 39,148.47

39,148.47

BAND

3.96 2.61 6.43 5.63 7.74 4.56 3.95 3.53 1.30 2.06 1.29 1.97 1.60 2.92 2.99 7.43 9.92 8.88 12.81 8.42

CUM.

3.96 6.58 13.00 18.63 26.38 30.94 34.89 38.42 39.72 41.78 43.07 45.04 46.63 49.56 52.54 59.97 69.89 78.77 91.58 100.00

PERCENTAGE f

8 5 7 8 6 3 4 2 1 1 1 1 8 8 4 2 1 70

PERCENTAGE

BAND

CUM.

8 13 20 28 34 37 41 43 43 43 44 44 45 46 47 55 63 67 69 70

11.43 7.14 10.00 11.43 8.57 4.29 5.71 2.86 0.00 0.00 1.43 0.00 1.43 1.43 1.43 11.43 11.43 5.71 2.86 1.43

11.43 18.57 28.57 40.00 48.57 52.86 58.57 61.43 61.43 61.43 62.86 62.86 64.29 65.71 67.14 78.57 90.00 95.71 98.57 100.00

339.30 202.86 1,082.50 831.96 1,371.29 1,263.36 1,508.67 62.25 0.00 0.00 6.50 0.00 3.33 2.38 7.50 10,826.76 21,694.53 11,471.29 63.55 161.57

339.30 542.16 1,624.66 2,456.62 3,827.91 5,091.27 6,599.94 6,662.19 6,662.19 6,662.19 6,668.69 6,668.69 6,672.02 6,674.40 6,681.89 17,508.65 39,203.18 50,674.47 50,738.02 50,899.59

50,899.59

BAND

CUM.

PERCENTAGE BAND

0.67 0.67 21.87 0.40 1.07 19.82 2.13 3.19 43.03 1.63 4.83 37.76 2.69 7.52 45.23 2.48 10.00 70.77 2.96 12.97 97.55 0.12 13.09 4.51 0.00 13.09 0.00 0.00 13.09 0.00 0.01 13.10 1.29 0.00 13.10 0.00 0.01 13.11 0.53 0.00 13.11 0.21 0.01 13.13 0.64 21.27 34.40 372.22 42.62 77.02 558.71 22.54 99.56 330.06 0.12 99.68 1.27 0.32 100.00 4.90

CUM

21.87 21.05 31.91 33.68 37.07 42.04 48.32 44.30 42.85 40.73 39.55 37.82 36.55 34.40 32.48 74.57 143.28 164.33 141.51 130.02 130.02

Page 113 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 05

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

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

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

1.222 1.060 1.051 508 413 153 120 88 42 24 28 21 20 19 21 35 18 16 10 2

1.222 2.282 3.333 3.841 4.254 4.407 4.527 4.615 4.657 4.681 4.709 4.730 4.750 4.769 4.790 4.825 4.843 4.859 4.869 4.871

4.871

BAND

CUM.

25.09 25.09 21.76 46.85 21.58 68.43 10.43 78.85 8.48 87.33 3.14 90.47 2.46 92.94 1.81 94.74 0.86 95.61 0.49 96.10 0.57 96.67 0.43 97.11 0.41 97.52 0.39 97.91 0.43 98.34 0.72 99.06 0.37 99.43 0.33 99.75 0.21 99.96 0.04 100.00

PERCENTAGE rp

168.13 357.75 630.14 507.38 690.20 383.54 393.35 313.52 255.81 161.09 213.41 296.82 293.26 157.15 411.21 886.77 1,308.91 1,706.69 2,089.59 17.20

168.13 525.88 1,156.02 1,663.40 2,353.60 2,737.13 3,130.49 3,444.01 3,699.82 3,860.91 4,074.32 4,371.14 4,664.40 4,821.55 5,232.76 6,119.53 7,428.44 9,135.14 11,224.73 11,241.93

11,241.93

BAND

1.50 3.18 5.61 4.51 6.14 3.41 3.50 2.79 2.28 1.43 1.90 2.64 2.61 1.40 3.66 7.89 11.64 15.18 18.59 0.15

CUM.

1.50 4.68 10.28 14.80 20.94 24.35 27.85 30.64 32.91 34.34 36.24 38.88 41.49 42.89 46.55 54.43 66.08 81.26 99.85 100.00

PERCENTAGE f

3 1 1 1 1 2 1 3 5 2 20

BAND

CUM.

3 4 5 6 6 6 6 6 6 6 7 7 9 9 10 10 13 18 18 20

15.00 15.00 5.00 20.00 5.00 25.00 5.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 5.00 35.00 0.00 35.00 10.00 45.00 0.00 45.00 5.00 50.00 0.00 50.00 15.00 65.00 25.00 90.00 0.00 90.00 10.00 100.00

PERCENTAGE rp

80.09 0.00 287.16 3.37 0.00 0.00 0.00 0.00 0.00 0.00 12.28 0.00 270.00 0.00 46.27 0.00 125.51 6,092.07 0.00 203.61

80.09 80.09 367.25 370.62 370.62 370.62 370.62 370.62 370.62 370.62 382.90 382.90 652.90 652.90 699.17 699.17 824.68 6,916.75 6,916.75 7,120.36

7,120.36

BAND

CUM.

1.12 1.12 0.00 1.12 4.03 5.16 0.05 5.21 0.00 5.21 0.00 5.21 0.00 5.21 0.00 5.21 0.00 5.21 0.00 5.21 0.17 5.38 0.00 5.38 3.79 9.17 0.00 9.17 0.65 9.82 0.00 9.82 1.76 11.58 85.56 97.14 0.00 97.14 2.86 100.00

PERCENTAGE BAND

47.64 0.00 45.57 0.66 0.00 0.00 0.00 0.00 0.00 0.00 5.76 0.00 92.07 0.00 11.25 0.00 9.59 356.95 0.00 1,183.81

CUM

47.64 15.23 31.77 22.28 15.75 13.54 11.84 10.76 10.02 9.60 9.40 8.76 14.00 13.54 13.36 11.43 11.10 75.72 61.62 63.34 63.34

Page 114 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 06

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

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

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

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

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

2.389 2.605 3.115 1.510 1.250 560 424 260 162 73 68 78 55 69 43 61 55 40 8 5 12.830

2.389 4.994 8.109 9.619 10.869 11.429 11.853 12.113 12.275 12.348 12.416 12.494 12.549 12.618 12.661 12.722 12.777 12.817 12.825 12.830

BAND

CUM.

18.62 18.62 20.30 38.92 24.28 63.20 11.77 74.97 9.74 84.72 4.36 89.08 3.30 92.39 2.03 94.41 1.26 95.67 0.57 96.24 0.53 96.77 0.61 97.38 0.43 97.81 0.54 98.35 0.34 98.68 0.48 99.16 0.43 99.59 0.31 99.90 0.06 99.96 0.04 100.00

PERCENTAGE rp

2,059.49 600.57 1,458.45 1,290.47 1,660.63 1,088.66 1,199.73 915.53 784.42 306.34 452.96 681.29 524.53 722.72 595.14 1,525.40 3,001.20 2,508.75 1,048.45 869.90

2,059.49 2,660.06 4,118.51 5,408.98 7,069.60 8,158.26 9,357.99 10,273.52 11,057.94 11,364.28 11,817.24 12,498.53 13,023.06 13,745.78 14,340.92 15,866.32 18,867.52 21,376.27 22,424.72 23,294.62

23,294.62

BAND

8.84 2.58 6.26 5.54 7.13 4.67 5.15 3.93 3.37 1.32 1.94 2.92 2.25 3.10 2.55 6.55 12.88 10.77 4.50 3.73

CUM.

8.84 11.42 17.68 23.22 30.35 35.02 40.17 44.10 47.47 48.79 50.73 53.65 55.91 59.01 61.56 68.11 81.00 91.76 96.27 100.00

PERCENTAGE f

7 1 8 4 6 2 3 1 1 2 2 2 6 45

CUM.

PERCENTAGE

BAND

7 8 16 20 26 28 31 31 32 32 32 33 33 33 35 37 39 45 45 45

15.56 15.56 9,655.44 2.22 17.78 51.93 17.78 35.56 754.60 8.89 44.44 569.92 13.33 57.78 653.67 4.44 62.22 859.90 6.67 68.89 887.48 0.00 68.89 0.00 2.22 71.11 40.47 0.00 71.11 0.00 0.00 71.11 0.00 2.22 73.33 75.21 0.00 73.33 0.00 0.00 73.33 0.00 4.44 77.78 52.52 4.44 82.22 473.16 4.44 86.67 107.86 13.33 100.00 891.10 0.00 100.00 0.00 0.00 100.00 0.00 15,073.26

9,655.44 9,707.37 10,461.97 11,031.89 11,685.56 12,545.47 13,432.95 13,432.95 13,473.42 13,473.42 13,473.42 13,548.63 13,548.63 13,548.63 13,601.15 14,074.31 14,182.17 15,073.26 15,073.26 15,073.26

BAND

CUM.

64.06 64.06 0.34 64.40 5.01 69.41 3.78 73.19 4.34 77.53 5.70 83.23 5.89 89.12 0.00 89.12 0.27 89.39 0.00 89.39 0.00 89.39 0.50 89.89 0.00 89.89 0.00 89.89 0.35 90.23 3.14 93.37 0.72 94.09 5.91 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

CUM

468.83 8.65 51.74 44.16 39.36 78.99 73.97 0.00 5.16 0.00 0.00 11.04 0.00 0.00 8.83 31.02 3.59 35.52 0.00 0.00

468.83 364.93 254.02 203.96 165.29 153.78 143.55 130.75 121.84 118.56 114.01 108.40 104.04 98.57 94.84 88.71 75.17 70.51 67.22 64.71 64.71

Page 115 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 07

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

BENGKULU

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

800 619 466 151 147 59 24 20 16 6 6 9 4 5 1 4 9 0 0 0 2.346

800 1.419 1.885 2.036 2.183 2.242 2.266 2.286 2.302 2.308 2.314 2.323 2.327 2.332 2.333 2.337 2.346 2.346 2.346 2.346

BAND

34.10 26.39 19.86 6.44 6.27 2.51 1.02 0.85 0.68 0.26 0.26 0.38 0.17 0.21 0.04 0.17 0.38 0.00 0.00 0.00

CUM.

34.10 60.49 80.35 86.79 93.05 95.57 96.59 97.44 98.12 98.38 98.64 99.02 99.19 99.40 99.45 99.62 100.00 100.00 100.00 100.00

PERCENTAGE rp

95.06 209.13 323.81 180.33 277.01 112.16 78.52 51.19 56.42 35.17 24.58 50.05 19.21 110.36 10.00 191.57 417.64 0.00 0.00 0.00 2,242.23

95.06 304.19 628.01 808.34 1,085.35 1,197.51 1,276.02 1,327.22 1,383.64 1,418.81 1,443.39 1,493.45 1,512.66 1,623.02 1,633.02 1,824.59 2,242.23 2,242.23 2,242.23 2,242.23

BAND

4.24 9.33 14.44 8.04 12.35 5.00 3.50 2.28 2.52 1.57 1.10 2.23 0.86 4.92 0.45 8.54 18.63 0.00 0.00 0.00

CUM.

4.24 13.57 28.01 36.05 48.40 53.41 56.91 59.19 61.71 63.28 64.37 66.61 67.46 72.38 72.83 81.37 100.00 100.00 100.00 100.00

PERCENTAGE f

2 3 4 2 1 1 1 14

2 5 9 9 11 11 11 11 12 13 13 13 13 14 14 14 14 14 14 14

BAND

CUM.

14.29 21.43 28.57 0.00 14.29 0.00 0.00 0.00 7.14 7.14 0.00 0.00 0.00 7.14 0.00 0.00 0.00 0.00 0.00 0.00

14.29 35.71 64.29 64.29 78.57 78.57 78.57 78.57 85.71 92.86 92.86 92.86 92.86 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

32.04 294.43 231.61 0.00 485.38 0.00 0.00 0.00 8.08 8.98 0.00 0.00 0.00 178.55 0.00 0.00 0.00 0.00 0.00 0.00 1,239.08

32.04 326.47 558.08 558.08 1,043.47 1,043.47 1,043.47 1,043.47 1,051.55 1,060.52 1,060.52 1,060.52 1,060.52 1,239.08 1,239.08 1,239.08 1,239.08 1,239.08 1,239.08 1,239.08

BAND

2.59 23.76 18.69 0.00 39.17 0.00 0.00 0.00 0.65 0.72 0.00 0.00 0.00 14.41 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

2.59 26.35 45.04 45.04 84.21 84.21 84.21 84.21 84.87 85.59 85.59 85.59 85.59 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

CUM

33.70 140.79 71.53 0.00 175.22 0.00 0.00 0.00 14.32 25.52 0.00 0.00 0.00 161.79 0.00 0.00 0.00 0.00 0.00 0.00

33.70 107.32 88.87 69.04 96.14 87.14 81.77 78.62 76.00 74.75 73.47 71.01 70.11 76.34 75.88 67.91 55.26 55.26 55.26 55.26 55.26

Page 116 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 08

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

LAMPUNG

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

1.490 1.636 1.612 819 833 363 261 168 89 62 49 33 52 43 31 54 34 10 12 -

1.490 3.126 4.738 5.557 6.390 6.753 7.014 7.182 7.271 7.333 7.382 7.415 7.467 7.510 7.541 7.595 7.629 7.639 7.651 7.651

7.651

BAND

CUM.

19.47 19.47 21.38 40.86 21.07 61.93 10.70 72.63 10.89 83.52 4.74 88.26 3.41 91.67 2.20 93.87 1.16 95.03 0.81 95.84 0.64 96.48 0.43 96.92 0.68 97.60 0.56 98.16 0.41 98.56 0.71 99.27 0.44 99.71 0.13 99.84 0.16 100.00 0.00 100.00

PERCENTAGE rp

513.78 320.37 678.07 618.60 1,425.33 654.84 745.27 595.95 421.16 389.78 346.31 298.17 664.08 430.43 655.07 1,248.27 1,301.28 1,305.07 2,238.11 0.00

513.78 834.15 1,512.22 2,130.82 3,556.14 4,210.98 4,956.25 5,552.19 5,973.35 6,363.14 6,709.44 7,007.61 7,671.69 8,102.12 8,757.19 10,005.46 11,306.73 12,611.81 14,849.92 14,849.92

14,849.92

BAND

3.46 2.16 4.57 4.17 9.60 4.41 5.02 4.01 2.84 2.62 2.33 2.01 4.47 2.90 4.41 8.41 8.76 8.79 15.07 0.00

CUM.

3.46 5.62 10.18 14.35 23.95 28.36 33.38 37.39 40.22 42.85 45.18 47.19 51.66 54.56 58.97 67.38 76.14 84.93 100.00 100.00

PERCENTAGE f

3 1 2 4 5 2 3 3 1 7 2 5 3 1 1 2 45

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

CUM

3 4 6 10 15 17 20 23 24 31 31 33 38 41 42 42 42 43 45 45

6.67 2.22 4.44 8.89 11.11 4.44 6.67 6.67 2.22 15.56 0.00 4.44 11.11 6.67 2.22 0.00 0.00 2.22 4.44 0.00

6.67 8.89 13.33 22.22 33.33 37.78 44.44 51.11 53.33 68.89 68.89 73.33 84.44 91.11 93.33 93.33 93.33 95.56 100.00 100.00

71.41 75.00 1,202.17 266.47 1,996.75 262.49 59.75 435.55 3.83 230.91 0.00 18.48 18.65 33.67 18.54 0.00 0.00 6.00 0.00 0.00

71.41 146.41 1,348.57 1,615.04 3,611.79 3,874.28 3,934.03 4,369.58 4,373.41 4,604.32 4,604.32 4,622.79 4,641.44 4,675.11 4,693.65 4,693.65 4,693.65 4,699.65 4,699.65 4,699.65

1.52 1.60 25.58 5.67 42.49 5.59 1.27 9.27 0.08 4.91 0.00 0.39 0.40 0.72 0.39 0.00 0.00 0.13 0.00 0.00

1.52 3.12 28.70 34.37 76.85 82.44 83.71 92.98 93.06 97.97 97.97 98.36 98.76 99.48 99.87 99.87 99.87 100.00 100.00 100.00

13.90 23.41 177.29 43.08 140.09 40.08 8.02 73.08 0.91 59.24 0.00 6.20 2.81 7.82 2.83 0.00 0.00 0.46 0.00 0.00

13.90 17.55 89.18 75.79 101.56 92.00 79.38 78.70 73.22 72.36 68.62 65.97 60.50 57.70 53.60 46.91 41.51 37.26 31.65 31.65

4,699.65

31.65

Page 117 of 180

CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 09

RISK AND LOSS PROFILE 2003

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)

01/01/2003

15/12/2004

15/02/2005 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

13,726 18,886 26,893 21,951 24,651 12,294 8,673 6,430 3,411 1,790 1,354 1,534 1,032 1,335 878 1,263 1,003 458 560 117 148,239

BAND

CUM.

13,726 32,612 59,505 81,456 106,107 118,401 127,074 133,504 136,915 138,705 140,059 141,593 142,625 143,960 144,838 146,101 147,104 147,562 148,122 148,239

9.26 12.74 18.14 14.81 16.63 8.29 5.85 4.34 2.30 1.21 0.91 1.03 0.70 0.90 0.59 0.85 0.68 0.31 0.38 0.08

9.26 22.00 40.14 54.95 71.58 79.87 85.72 90.06 92.36 93.57 94.48 95.52 96.21 97.11 97.71 98.56 99.23 99.54 99.92 100.00

PERCENTAGE rp

22,628.60 3,933.57 10,016.65 11,135.15 18,390.49 15,061.21 16,157.05 19,431.97 12,083.72 7,639.72 6,905.59 10,615.68 8,152.69 13,224.07 11,640.84 26,619.36 37,993.17 28,109.58 69,644.63 190,879.38 540,263.12

22,628.60 26,562.17 36,578.82 47,713.97 66,104.46 81,165.67 97,322.72 116,754.69 128,838.41 136,478.13 143,383.72 153,999.40 162,152.09 175,376.16 187,017.00 213,636.36 251,629.53 279,739.11 349,383.74 540,263.12

BAND

4.19 0.73 1.85 2.06 3.40 2.79 2.99 3.60 2.24 1.41 1.28 1.96 1.51 2.45 2.15 4.93 7.03 5.20 12.89 35.33

CUM.

4.19 4.92 6.77 8.83 12.24 15.02 18.01 21.61 23.85 25.26 26.54 28.50 30.01 32.46 34.62 39.54 46.58 51.78 64.67 100.00

PERCENTAGE f

68 63 73 60 62 41 41 29 31 15 25 27 16 23 18 51 40 23 70 53 829

68 131 204 264 326 367 408 437 468 483 508 535 551 574 592 643 683 706 776 829

BAND

CUM.

8.20 8.20 7.60 15.80 8.81 24.61 7.24 31.85 7.48 39.32 4.95 44.27 4.95 49.22 3.50 52.71 3.74 56.45 1.81 58.26 3.02 61.28 3.26 64.54 1.93 66.47 2.77 69.24 2.17 71.41 6.15 77.56 4.83 82.39 2.77 85.16 8.44 93.61 6.39 100.00

PERCENTAGE rp

15,130.79 2,492.23 4,278.80 4,107.49 3,277.29 2,373.56 5,008.55 3,928.69 9,897.35 5,720.06 26,781.46 1,519.93 6,585.50 1,826.22 2,067.41 12,161.42 17,545.60 5,248.73 11,066.79 35,843.92

15,130.79 17,623.02 21,901.82 26,009.31 29,286.60 31,660.16 36,668.71 40,597.40 50,494.75 56,214.81 82,996.27 84,516.20 91,101.70 92,927.92 94,995.33 107,156.75 124,702.35 129,951.08 141,017.87 176,861.79

176,861.79

BAND

CUM.

8.56 1.41 2.42 2.32 1.85 1.34 2.83 2.22 5.60 3.23 15.14 0.86 3.72 1.03 1.17 6.88 9.92 2.97 6.26 20.27

8.56 9.96 12.38 14.71 16.56 17.90 20.73 22.95 28.55 31.78 46.93 47.79 51.51 52.54 53.71 60.59 70.51 73.48 79.73 100.00

PERCENTAGE BAND

CUM

66.87 63.36 42.72 36.89 17.82 15.76 31.00 20.22 81.91 74.87 387.82 14.32 80.78 13.81 17.76 45.69 46.18 18.67 15.89 18.78

66.87 66.35 59.88 54.51 44.30 39.01 37.68 34.77 39.19 41.19 57.88 54.88 56.18 52.99 50.80 50.16 49.56 46.45 40.36 32.74 32.74

Page 118 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 10

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

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

20.824 20.870 22.461 11.143 9.964 4.371 3.236 2.470 1.480 948 815 962 728 1 713 1.243 1.259 606 531 154 105.780

20.824 41.694 64.155 75.298 85.262 89.633 92.869 95.339 96.819 97.767 98.582 99.544 100.272 101.274 101.987 103.230 104.489 105.095 105.626 105.780

BAND

CUM.

19.69 19.69 19.73 39.42 21.23 60.65 10.53 71.18 9.42 80.60 4.13 84.74 3.06 87.79 2.34 90.13 1.40 91.53 0.90 92.42 0.77 93.20 0.91 94.10 0.69 94.79 0.95 95.74 0.67 96.41 1.18 97.59 1.19 98.78 0.57 99.35 0.50 99.85 0.15 100.00

PERCENTAGE rp

13,129.63 3,831.62 8,196.13 7,001.63 10,709.53 7,195.34 7,616.80 8,491.87 6,401.38 4,765.29 5,693.24 7,367.93 6,848.51 11,184.59 10,274.00 26,646.49 47,614.78 44,782.30 139,111.87 45,096.31 421,959.24

13,129.63 16,961.24 25,157.38 32,159.01 42,868.54 50,063.89 57,680.69 66,172.56 72,573.93 77,339.22 83,032.46 90,400.40 97,248.90 108,433.49 118,707.49 145,353.99 192,968.77 237,751.07 376,862.94 421,959.24

BAND

3.11 0.91 1.94 1.66 2.54 1.71 1.81 2.01 1.52 1.13 1.35 1.75 1.62 2.65 2.43 6.31 11.28 10.61 32.97 10.69

CUM.

3.11 4.02 5.96 7.62 10.16 11.86 13.67 15.68 17.20 18.33 19.68 21.42 23.05 25.70 28.13 34.45 45.73 56.34 89.31 100.00

PERCENTAGE f

28 22 43 26 37 11 15 18 6 11 12 15 10 22 13 40 81 39 39 32 520

28 50 93 119 156 167 182 200 206 217 229 244 254 276 289 329 410 449 488 520

BAND

CUM.

5.38 5.38 4.23 9.62 8.27 17.88 5.00 22.88 7.12 30.00 2.12 32.12 2.88 35.00 3.46 38.46 1.15 39.62 2.12 41.73 2.31 44.04 2.88 46.92 1.92 48.85 4.23 53.08 2.50 55.58 7.69 63.27 15.58 78.85 7.50 86.35 7.50 93.85 6.15 100.00

PERCENTAGE rp

1,570.28 635.37 1,180.19 743.20 2,283.82 567.45 601.46 3,148.76 1,355.74 589.56 1,458.59 5,192.97 3,735.06 3,858.15 9,082.34 11,385.02 11,604.72 3,184.36 64,317.62 1,822.13

1,570.28 2,205.65 3,385.84 4,129.04 6,412.86 6,980.31 7,581.76 10,730.53 12,086.27 12,675.83 14,134.42 19,327.39 23,062.45 26,920.59 36,002.94 47,387.96 58,992.68 62,177.04 126,494.67 128,316.79

128,316.79

BAND

CUM.

1.22 1.22 0.50 1.72 0.92 2.64 0.58 3.22 1.78 5.00 0.44 5.44 0.47 5.91 2.45 8.36 1.06 9.42 0.46 9.88 1.14 11.02 4.05 15.06 2.91 17.97 3.01 20.98 7.08 28.06 8.87 36.93 9.04 45.97 2.48 48.46 50.12 98.58 1.42 100.00

PERCENTAGE BAND

11.96 16.58 14.40 10.61 21.33 7.89 7.90 37.08 21.18 12.37 25.62 70.48 54.54 34.50 88.40 42.73 24.37 7.11 46.23 4.04

CUM

11.96 13.00 13.46 12.84 14.96 13.94 13.14 16.22 16.65 16.39 17.02 21.38 23.71 24.83 30.33 32.60 30.57 26.15 33.57 30.41 30.41

Page 119 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 11

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

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

8.300 5.689 5.067 2.520 2.694 1.411 1.077 860 592 297 242 273 206 276 192 261 192 97 56 17 30.319

8.300 13.989 19.056 21.576 24.270 25.681 26.758 27.618 28.210 28.507 28.749 29.022 29.228 29.504 29.696 29.957 30.149 30.246 30.302 30.319

BAND

CUM.

27.38 27.38 18.76 46.14 16.71 62.85 8.31 71.16 8.89 80.05 4.65 84.70 3.55 88.25 2.84 91.09 1.95 93.04 0.98 94.02 0.80 94.82 0.90 95.72 0.68 96.40 0.91 97.31 0.63 97.95 0.86 98.81 0.63 99.44 0.32 99.76 0.18 99.94 0.06 100.00

PERCENTAGE rp

3,553.47 1,200.85 2,327.05 1,925.16 4,167.25 2,706.46 2,861.95 3,121.14 2,988.14 1,632.53 1,539.41 2,010.29 2,227.68 3,813.29 3,111.98 7,845.58 7,044.54 5,981.02 6,322.97 1,104.44

3,553.47 4,754.32 7,081.37 9,006.54 13,173.79 15,880.25 18,742.20 21,863.34 24,851.48 26,484.01 28,023.42 30,033.72 32,261.40 36,074.68 39,186.66 47,032.25 54,076.79 60,057.81 66,380.79 67,485.23

67,485.23

BAND

5.27 1.78 3.45 2.85 6.18 4.01 4.24 4.62 4.43 2.42 2.28 2.98 3.30 5.65 4.61 11.63 10.44 8.86 9.37 1.64

CUM.

5.27 7.04 10.49 13.35 19.52 23.53 27.77 32.40 36.83 39.24 41.53 44.50 47.81 53.46 58.07 69.69 80.13 88.99 98.36 100.00

PERCENTAGE f

19 5 10 5 14 6 10 5 3 1 4 14 14 12 12 33 20 24 12 223

BAND

19 8.52 24 2.24 34 4.48 39 2.24 53 6.28 59 2.69 69 4.48 74 2.24 77 1.35 78 0.45 82 1.79 96 6.28 110 6.28 122 5.38 134 5.38 167 14.80 187 8.97 211 10.76 223 5.38 223 0.00

PERCENTAGE

CUM.

8.52 10.76 15.25 17.49 23.77 26.46 30.94 33.18 34.53 34.98 36.77 43.05 49.33 54.71 60.09 74.89 83.86 94.62 100.00 100.00

2,390.04 118.82 823.73 212.27 8,178.34 1,603.91 1,290.71 691.78 1,069.33 27.73 138.58 253.44 3,210.99 3,791.11 314.68 1,333.31 563.09 239.66 357.66 0.00

2,390.04 2,508.85 3,332.59 3,544.85 11,723.20 13,327.11 14,617.82 15,309.60 16,378.93 16,406.66 16,545.24 16,798.68 20,009.67 23,800.78 24,115.46 25,448.77 26,011.86 26,251.52 26,609.18 26,609.18

26,609.18

BAND

CUM.

8.98 8.98 0.45 9.43 3.10 12.52 0.80 13.32 30.74 44.06 6.03 50.08 4.85 54.94 2.60 57.54 4.02 61.55 0.10 61.66 0.52 62.18 0.95 63.13 12.07 75.20 14.25 89.45 1.18 90.63 5.01 95.64 2.12 97.76 0.90 98.66 1.34 100.00 0.00 100.00

PERCENTAGE BAND

67.26 9.89 35.40 11.03 196.25 59.26 45.10 22.16 35.79 1.70 9.00 12.61 144.14 99.42 10.11 16.99 7.99 4.01 5.66 0.00

CUM

67.26 52.77 47.06 39.36 88.99 83.92 77.99 70.02 65.91 61.95 59.04 55.93 62.02 65.98 61.54 54.11 48.10 43.71 40.09 39.43 39.43

Page 120 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 12

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

DI YOGYAKARTA

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

982 975 887 472 456 207 125 112 68 38 33 45 27 42 19 31 32 11 11 1 4.574

982 1.957 2.844 3.316 3.772 3.979 4.104 4.216 4.284 4.322 4.355 4.400 4.427 4.469 4.488 4.519 4.551 4.562 4.573 4.574

BAND

CUM.

21.47 21.47 21.32 42.79 19.39 62.18 10.32 72.50 9.97 82.47 4.53 86.99 2.73 89.72 2.45 92.17 1.49 93.66 0.83 94.49 0.72 95.21 0.98 96.20 0.59 96.79 0.92 97.70 0.42 98.12 0.68 98.80 0.70 99.50 0.24 99.74 0.24 99.98 0.02 100.00

PERCENTAGE rp

175.00 144.29 303.91 269.20 535.37 311.12 241.73 398.31 282.65 187.63 140.74 191.75 206.61 386.49 250.05 659.67 1,020.08 431.30 1,284.34 381.18

175.00 319.29 623.20 892.40 1,427.76 1,738.88 1,980.61 2,378.92 2,661.58 2,849.21 2,989.95 3,181.69 3,388.31 3,774.80 4,024.85 4,684.52 5,704.60 6,135.90 7,420.24 7,801.42

7,801.42

BAND

2.24 1.85 3.90 3.45 6.86 3.99 3.10 5.11 3.62 2.41 1.80 2.46 2.65 4.95 3.21 8.46 13.08 5.53 16.46 4.89

CUM.

2.24 4.09 7.99 11.44 18.30 22.29 25.39 30.49 34.12 36.52 38.33 40.78 43.43 48.39 51.59 60.05 73.12 78.65 95.11 100.00

PERCENTAGE f

1 2 1 2 1 1 1 1 2 12

PERCENTAGE

BAND

CUM.

1 3 4 6 7 7 7 7 7 7 7 7 8 9 10 10 10 12 12

0.00 8.33 16.67 8.33 16.67 8.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.33 8.33 8.33 0.00 0.00 16.67 0.00

0.00 8.33 25.00 33.33 50.00 58.33 58.33 58.33 58.33 58.33 58.33 58.33 58.33 66.67 75.00 83.33 83.33 83.33 100.00 100.00

0.00 3.76 25.98 2.06 123.17 25.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.94 150.00 10.12 0.00 0.00 149.88 0.00

0.00 3.76 29.74 31.80 154.97 180.23 180.23 180.23 180.23 180.23 180.23 180.23 180.23 185.16 335.16 345.28 345.28 345.28 495.16 495.16

495.16

BAND

CUM.

0.00 0.00 0.76 0.76 5.25 6.01 0.42 6.42 24.87 31.30 5.10 36.40 0.00 36.40 0.00 36.40 0.00 36.40 0.00 36.40 0.00 36.40 0.00 36.40 0.00 36.40 1.00 37.39 30.29 67.69 2.04 69.73 0.00 69.73 0.00 69.73 30.27 100.00 0.00 100.00

PERCENTAGE BAND

CUM

0.00 2.61 8.55 0.76 23.01 8.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.28 59.99 1.53 0.00 0.00 11.67 0.00

0.00 1.18 4.77 3.56 10.85 10.36 9.10 7.58 6.77 6.33 6.03 5.66 5.32 4.91 8.33 7.37 6.05 5.63 6.67 6.35 6.35

Page 121 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 13

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

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

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

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

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

10.796 8.957 9.678 5.346 5.601 3.031 2.319 1.891 1.089 632 517 637 441 561 333 537 417 153 163 33

10.796 19.753 29.431 34.777 40.378 43.409 45.728 47.619 48.708 49.340 49.857 50.494 50.935 51.496 51.829 52.366 52.783 52.936 53.099 53.132

53.132

BAND

CUM.

20.32 20.32 16.86 37.18 18.22 55.39 10.06 65.45 10.54 76.00 5.70 81.70 4.36 86.06 3.56 89.62 2.05 91.67 1.19 92.86 0.97 93.84 1.20 95.04 0.83 95.87 1.06 96.92 0.63 97.55 1.01 98.56 0.78 99.34 0.29 99.63 0.31 99.94 0.06 100.00

PERCENTAGE rp

4,870.26 1,761.81 3,830.25 3,349.63 5,738.42 4,911.34 5,281.71 5,863.20 5,311.12 3,559.29 4,107.81 4,947.26 5,220.89 7,528.35 8,625.07 16,366.53 21,034.55 11,338.97 21,245.47 16,376.11

4,870.26 6,632.07 10,462.32 13,811.95 19,550.37 24,461.71 29,743.42 35,606.62 40,917.74 44,477.03 48,584.84 53,532.10 58,752.99 66,281.34 74,906.41 91,272.94 112,307.49 123,646.46 144,891.92 161,268.03

161,268.03

BAND

3.02 1.09 2.38 2.08 3.56 3.05 3.28 3.64 3.29 2.21 2.55 3.07 3.24 4.67 5.35 10.15 13.04 7.03 13.17 10.15

CUM.

3.02 4.11 6.49 8.56 12.12 15.17 18.44 22.08 25.37 27.58 30.13 33.19 36.43 41.10 46.45 56.60 69.64 76.67 89.85 100.00

PERCENTAGE f

14 5 11 10 12 10 17 12 25 8 45 6 44 15 58 19 29 11 15 366

14 19 30 40 52 62 79 91 116 124 169 175 219 234 292 311 340 351 366 366

BAND

CUM.

3.83 3.83 1.37 5.19 3.01 8.20 2.73 10.93 3.28 14.21 2.73 16.94 4.64 21.58 3.28 24.86 6.83 31.69 2.19 33.88 12.30 46.17 1.64 47.81 12.02 59.84 4.10 63.93 15.85 79.78 5.19 84.97 7.92 92.90 3.01 95.90 4.10 100.00 0.00 100.00

PERCENTAGE rp

1,109.72 251.36 565.66 288.36 2,876.96 1,237.13 779.02 2,698.13 1,768.19 2,395.75 3,882.39 293.37 3,644.88 3,924.97 1,381.80 5,485.02 2,144.97 3,400.29 6,893.16 0.00

1,109.72 1,361.09 1,926.75 2,215.11 5,092.07 6,329.20 7,108.22 9,806.35 11,574.54 13,970.29 17,852.67 18,146.04 21,790.92 25,715.89 27,097.69 32,582.70 34,727.68 38,127.97 45,021.13 45,021.13

45,021.13

BAND

CUM.

2.46 2.46 0.56 3.02 1.26 4.28 0.64 4.92 6.39 11.31 2.75 14.06 1.73 15.79 5.99 21.78 3.93 25.71 5.32 31.03 8.62 39.65 0.65 40.31 8.10 48.40 8.72 57.12 3.07 60.19 12.18 72.37 4.76 77.14 7.55 84.69 15.31 100.00 0.00 100.00

PERCENTAGE BAND

CUM

22.79 14.27 14.77 8.61 50.14 25.19 14.75 46.02 33.29 67.31 94.51 5.93 69.81 52.14 16.02 33.51 10.20 29.99 32.45 0.00

22.79 20.52 18.42 16.04 26.05 25.87 23.90 27.54 28.29 31.41 36.75 33.90 37.09 38.80 36.18 35.70 30.92 30.84 31.07 27.92 27.92

Page 122 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 14

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

KALIMANTAN 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

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

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

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

6.256 5.770 3.382 1.101 923 325 201 140 56 39 26 31 16 14 14 19 16 3 6 3 18.341

6.256 12.026 15.408 16.509 17.432 17.757 17.958 18.098 18.154 18.193 18.219 18.250 18.266 18.280 18.294 18.313 18.329 18.332 18.338 18.341

BAND

CUM.

34.11 34.11 31.46 65.57 18.44 84.01 6.00 90.01 5.03 95.04 1.77 96.82 1.10 97.91 0.76 98.68 0.31 98.98 0.21 99.19 0.14 99.33 0.17 99.50 0.09 99.59 0.08 99.67 0.08 99.74 0.10 99.85 0.09 99.93 0.02 99.95 0.03 99.98 0.02 100.00

PERCENTAGE rp

3,588.13 3,002.56 3,227.05 1,798.68 2,233.69 998.38 824.82 720.09 372.74 296.16 262.76 407.61 214.18 246.56 568.31 459.36 914.70 116.57 812.46 0.04

3,588.13 6,590.69 9,817.74 11,616.42 13,850.11 14,848.49 15,673.31 16,393.40 16,766.14 17,062.30 17,325.06 17,732.67 17,946.85 18,193.42 18,761.73 19,221.09 20,135.79 20,252.36 21,064.82 21,064.78

21,064.78

BAND

17.03 14.25 15.32 8.54 10.60 4.74 3.92 3.42 1.77 1.41 1.25 1.94 1.02 1.17 2.70 2.18 4.34 0.55 3.86 0.00

CUM.

17.03 31.29 46.61 55.15 65.75 70.49 74.41 77.82 79.59 81.00 82.25 84.18 85.20 86.37 89.07 91.25 95.59 96.14 100.00 100.00

PERCENTAGE f

27 38 24 4 1 5 3 1 1 2 106

PERCENTAGE

BAND

CUM.

27 65 89 93 94 99 99 99 102 102 102 102 102 102 102 103 104 104 106 106

25.47 35.85 22.64 3.77 0.94 4.72 0.00 0.00 2.83 0.00 0.00 0.00 0.00 0.00 0.00 0.94 0.94 0.00 1.89 0.00

25.47 61.32 83.96 87.74 88.68 93.40 93.40 93.40 96.23 96.23 96.23 96.23 96.23 96.23 96.23 97.17 98.11 98.11 100.00 100.00

863.02 2,338.99 2,915.23 950.66 0.40 840.09 0.00 0.00 228.35 0.00 0.00 0.00 0.00 0.00 0.00 179.52 6.28 0.00 4,040.87 0.00

863.02 3,202.01 6,117.24 7,067.90 7,067.50 7,907.59 7,907.59 7,907.59 8,135.94 8,135.94 8,135.94 8,135.94 8,135.94 8,135.94 8,135.94 8,315.46 8,321.74 8,321.74 12,362.61 12,362.61

12,362.61

BAND

CUM.

6.98 6.98 18.92 25.90 23.58 49.48 7.69 57.17 0.00 57.17 6.80 63.96 0.00 63.96 0.00 63.96 1.85 65.81 0.00 65.81 0.00 65.81 0.00 65.81 0.00 65.81 0.00 65.81 0.00 65.81 1.45 67.26 0.05 67.31 0.00 67.31 32.69 100.00 0.00 100.00

PERCENTAGE BAND

CUM

24.05 77.90 90.34 52.85 0.02 84.15 0.00 0.00 61.26 0.00 0.00 0.00 0.00 0.00 0.00 39.08 0.69 0.00 497.36 0.00

24.05 48.58 62.31 60.84 51.03 53.26 50.45 48.24 48.53 47.68 46.96 45.88 45.33 44.72 43.36 43.26 41.33 41.09 58.69 58.69 58.69

Page 123 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 15

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

KALIMANTAN 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

875 579 464 214 237 114 72 40 32 15 7 12 2 14 10 14 7 5 4 2.717

875 1.454 1.918 2.132 2.369 2.483 2.555 2.595 2.627 2.642 2.649 2.661 2.663 2.677 2.687 2.701 2.708 2.713 2.717 2.717

BAND

CUM.

32.20 32.20 21.31 53.51 17.08 70.59 7.88 78.47 8.72 87.19 4.20 91.39 2.65 94.04 1.47 95.51 1.18 96.69 0.55 97.24 0.26 97.50 0.44 97.94 0.07 98.01 0.52 98.53 0.37 98.90 0.52 99.41 0.26 99.67 0.18 99.85 0.15 100.00 0.00 100.00

PERCENTAGE rp

193.88 262.15 380.02 311.62 536.67 332.61 253.46 415.59 320.58 66.60 45.18 170.51 6.76 168.48 179.70 388.37 474.66 352.91 1,395.62 0.00

193.88 456.03 836.05 1,147.67 1,684.34 2,016.95 2,270.41 2,686.00 3,006.58 3,073.18 3,118.37 3,288.87 3,295.63 3,464.11 3,643.81 4,032.18 4,506.84 4,859.75 6,255.37 6,255.37

6,255.37

BAND

3.10 4.19 6.08 4.98 8.58 5.32 4.05 6.64 5.12 1.06 0.72 2.73 0.11 2.69 2.87 6.21 7.59 5.64 22.31 0.00

CUM.

3.10 7.29 13.37 18.35 26.93 32.24 36.30 42.94 48.06 49.13 49.85 52.58 52.68 55.38 58.25 64.46 72.05 77.69 100.00 100.00

PERCENTAGE f

2 2 2 2 1 1 2 12

BAND

CUM.

2 4 6 8 9 9 9 9 10 10 10 10 10 10 10 10 10 10 12 12

16.67 16.67 16.67 33.33 16.67 50.00 16.67 66.67 8.33 75.00 0.00 75.00 0.00 75.00 0.00 75.00 8.33 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 16.67 100.00 0.00 100.00

PERCENTAGE

BAND

CUM.

BAND

50.58 148.08 158.78 724.46 450.00 0.00 0.00 0.00 17.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 733.52 0.00

50.58 198.66 357.44 1,081.89 1,531.89 1,531.89 1,531.89 1,531.89 1,549.77 1,549.77 1,549.77 1,549.77 1,549.77 1,549.77 1,549.77 1,549.77 1,549.77 1,549.77 2,283.30 2,283.30

2.22 6.49 6.95 31.73 19.71 0.00 0.00 0.00 0.78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 32.13 0.00

2.22 8.70 15.65 47.38 67.09 67.09 67.09 67.09 67.87 67.87 67.87 67.87 67.87 67.87 67.87 67.87 67.87 67.87 100.00 100.00

26.09 56.49 41.78 232.48 83.85 0.00 0.00 0.00 5.58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 52.56 0.00

2,283.30

CUM

26.09 43.56 42.75 94.27 90.95 75.95 67.47 57.03 51.55 50.43 49.70 47.12 47.03 44.74 42.53 38.44 34.39 31.89 36.50 36.50 36.50

Page 124 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 16

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

KALIMANTAN 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

2.328 1.549 1.185 549 579 281 180 125 79 41 29 39 16 35 19 25 34 19 17 1 7.130

2.328 3.877 5.062 5.611 6.190 6.471 6.651 6.776 6.855 6.896 6.925 6.964 6.980 7.015 7.034 7.059 7.093 7.112 7.129 7.130

BAND

CUM.

32.65 32.65 21.73 54.38 16.62 71.00 7.70 78.70 8.12 86.82 3.94 90.76 2.52 93.28 1.75 95.04 1.11 96.14 0.58 96.72 0.41 97.12 0.55 97.67 0.22 97.90 0.49 98.39 0.27 98.65 0.35 99.00 0.48 99.48 0.27 99.75 0.24 99.99 0.01 100.00

PERCENTAGE rp

780.59 373.66 604.22 474.82 857.28 635.76 587.71 548.48 486.75 244.98 160.08 342.74 168.44 460.14 327.38 605.52 1,624.40 1,047.11 3,061.30 31.06

780.59 1,154.25 1,758.47 2,233.29 3,090.58 3,726.34 4,314.05 4,862.53 5,349.28 5,594.26 5,754.34 6,097.08 6,265.52 6,725.66 7,053.04 7,658.56 9,282.96 10,330.08 13,391.38 13,422.44

13,422.44

BAND

5.82 2.78 4.50 3.54 6.39 4.74 4.38 4.09 3.63 1.83 1.19 2.55 1.25 3.43 2.44 4.51 12.10 7.80 22.81 0.23

CUM.

5.82 8.60 13.10 16.64 23.03 27.76 32.14 36.23 39.85 41.68 42.87 45.42 46.68 50.11 52.55 57.06 69.16 76.96 99.77 100.00

PERCENTAGE f

4 1 2 4 1 1 1 1 2 17

BAND

CUM.

4 5 7 7 11 11 12 13 13 13 13 13 13 13 14 15 15 15 17 17

23.53 23.53 5.88 29.41 11.76 41.18 0.00 41.18 23.53 64.71 0.00 64.71 5.88 70.59 5.88 76.47 0.00 76.47 0.00 76.47 0.00 76.47 0.00 76.47 0.00 76.47 0.00 76.47 5.88 82.35 5.88 88.24 0.00 88.24 0.00 88.24 11.76 100.00 0.00 100.00

PERCENTAGE rp

140.86 0.00 155.38 0.00 47.36 0.00 0.63 1,117.17 0.00 0.00 0.00 0.00 0.00 0.00 60.00 8,751.93 0.00 0.00 1,536.94 0.00 11,810.28

140.86 140.86 296.24 296.24 343.61 343.61 344.24 1,461.40 1,461.40 1,461.40 1,461.40 1,461.40 1,461.40 1,461.40 1,521.40 10,273.33 10,273.33 10,273.33 11,810.28 11,810.28

BAND

CUM.

1.19 1.19 0.00 1.19 1.32 2.51 0.00 2.51 0.40 2.91 0.00 2.91 0.01 2.91 9.46 12.37 0.00 12.37 0.00 12.37 0.00 12.37 0.00 12.37 0.00 12.37 0.00 12.37 0.51 12.88 74.10 86.99 0.00 86.99 0.00 86.99 13.01 100.00 0.00 100.00

PERCENTAGE BAND

CUM

18.05 18.05 0.00 12.20 25.72 16.85 0.00 13.26 5.52 11.12 0.00 9.22 0.11 7.98 203.68 30.05 0.00 27.32 0.00 26.12 0.00 25.40 0.00 23.97 0.00 23.32 0.00 21.73 18.33 21.57 1,445.35 134.14 0.00 110.67 0.00 99.45 50.21 88.19 0.00 87.99 87.99

Page 125 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 17

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

KALIMANTAN 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

1.746 2.014 2.388 1.313 1.258 600 399 279 139 57 60 81 37 69 39 56 55 24 22 7 10.643

PERCENTAGE

BAND

CUM.

1.746 3.760 6.148 7.461 8.719 9.319 9.718 9.997 10.136 10.193 10.253 10.334 10.371 10.440 10.479 10.535 10.590 10.614 10.636 10.643

16.41 18.92 22.44 12.34 11.82 5.64 3.75 2.62 1.31 0.54 0.56 0.76 0.35 0.65 0.37 0.53 0.52 0.23 0.21 0.07

16.41 35.33 57.77 70.10 81.92 87.56 91.31 93.93 95.24 95.77 96.34 97.10 97.44 98.09 98.46 98.99 99.50 99.73 99.93 100.00

1,176.93 673.21 1,314.75 1,328.64 2,059.79 1,597.48 1,312.45 1,346.96 704.97 443.43 1,726.68 561.66 376.48 675.26 628.83 1,271.58 2,832.49 2,353.21 8,478.32 5,609.80

1,176.93 1,850.15 3,164.90 4,493.54 6,553.33 8,150.81 9,463.26 10,810.23 11,515.20 11,958.63 13,685.31 14,246.97 14,623.45 15,298.71 15,927.54 17,199.12 20,031.60 22,384.81 30,863.13 36,472.93

36,472.93

BAND

3.23 1.85 3.60 3.64 5.65 4.38 3.60 3.69 1.93 1.22 4.73 1.54 1.03 1.85 1.72 3.49 7.77 6.45 23.25 15.38

CUM.

3.23 5.07 8.68 12.32 17.97 22.35 25.95 29.64 31.57 32.79 37.52 39.06 40.09 41.95 43.67 47.16 54.92 61.37 84.62 100.00

PERCENTAGE f

4 15 11 1 6 1 2 1 2 1 2 1 1 2 1 3 1

4 19 30 31 37 38 40 41 43 43 43 43 44 46 47 48 50 51 54 55

BAND

CUM.

7.27 7.27 27.27 34.55 20.00 54.55 1.82 56.36 10.91 67.27 1.82 69.09 3.64 72.73 1.82 74.55 3.64 78.18 0.00 78.18 0.00 78.18 0.00 78.18 1.82 80.00 3.64 83.64 1.82 85.45 1.82 87.27 3.64 90.91 1.82 92.73 5.45 98.18 1.82 100.00

PERCENTAGE rp

120.41 1,172.01 1,842.87 20.25 2,252.68 2.14 930.07 675.00 3,782.42 0.00 0.00 0.00 0.00 9,001.00 1,621.32 0.00 2,218.88 13.13 903.78 30.24

120.41 1,292.42 3,135.29 3,155.54 5,408.22 5,410.36 6,340.43 7,015.43 10,797.85 10,797.85 10,797.85 10,797.85 10,797.85 19,798.85 21,420.17 21,420.17 23,639.05 23,652.18 24,555.95 24,586.20

24,586.20

BAND

CUM.

0.49 0.49 4.77 5.26 7.50 12.75 0.08 12.83 9.16 22.00 0.01 22.01 3.78 25.79 2.75 28.53 15.38 43.92 0.00 43.92 0.00 43.92 0.00 43.92 0.00 43.92 36.61 80.53 6.59 87.12 0.00 87.12 9.02 96.15 0.05 96.20 3.68 99.88 0.12 100.00

PERCENTAGE BAND

CUM

10.23 174.09 140.17 1.52 109.36 0.13 70.87 50.11 536.53 0.00 0.00 0.00 0.00 1,332.97 257.83 0.00 78.34 0.56 10.66 0.54

10.23 69.86 99.06 70.22 82.53 66.38 67.00 64.90 93.77 90.29 78.90 75.79 73.84 129.42 134.49 124.54 118.01 105.66 79.56 67.41 67.41

Page 126 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 18

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2005

15/02/2005

SULAWESI 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

1.510 1.265 1.296 662 695 373 243 178 88 46 40 48 36 33 14 20 8 4 10 2 6.571

1.510 2.775 4.071 4.733 5.428 5.801 6.044 6.222 6.310 6.356 6.396 6.444 6.480 6.513 6.527 6.547 6.555 6.559 6.569 6.571

BAND

CUM.

22.98 22.98 19.25 42.23 19.72 61.95 10.07 72.03 10.58 82.61 5.68 88.28 3.70 91.98 2.71 94.69 1.34 96.03 0.70 96.73 0.61 97.34 0.73 98.07 0.55 98.62 0.50 99.12 0.21 99.33 0.30 99.63 0.12 99.76 0.06 99.82 0.15 99.97 0.03 100.00

PERCENTAGE rp

229.05 272.19 607.51 477.85 887.84 774.15 677.69 682.65 425.58 247.05 339.84 349.71 328.48 363.49 153.66 252.18 318.89 300.78 1,423.02 158.27

229.05 501.24 1,108.75 1,586.60 2,474.44 3,248.58 3,926.27 4,608.92 5,034.50 5,281.56 5,621.40 5,971.11 6,299.58 6,663.07 6,816.73 7,068.91 7,387.80 7,688.57 9,111.59 9,269.86

9,269.86

BAND

2.47 2.94 6.55 5.15 9.58 8.35 7.31 7.36 4.59 2.67 3.67 3.77 3.54 3.92 1.66 2.72 3.44 3.24 15.35 1.71

CUM.

2.47 5.41 11.96 17.12 26.69 35.04 42.36 49.72 54.31 56.98 60.64 64.41 67.96 71.88 73.54 76.26 79.70 82.94 98.29 100.00

PERCENTAGE f

3 1 3 1 3 7 1 1 20

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

CUM

3 4 7 8 11 18 19 19 19 19 19 20 20 20 20 20 20 20 20 20

15.00 5.00 15.00 5.00 15.00 35.00 5.00 0.00 0.00 0.00 0.00 5.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15.00 20.00 35.00 40.00 55.00 90.00 95.00 95.00 95.00 95.00 95.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

323.24 19.04 412.59 220.00 1,120.19 1,091.91 611.31 0.00 0.00 0.00 0.00 187.85 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

323.24 342.28 754.87 974.87 2,095.06 3,186.97 3,798.28 3,798.28 3,798.28 3,798.28 3,798.28 3,986.13 3,986.13 3,986.13 3,986.13 3,986.13 3,986.13 3,986.13 3,986.13 3,986.13

8.11 0.48 10.35 5.52 28.10 27.39 15.34 0.00 0.00 0.00 0.00 4.71 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8.11 8.59 18.94 24.46 52.56 79.95 95.29 95.29 95.29 95.29 95.29 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

141.12 7.00 67.92 46.04 126.17 141.05 90.20 0.00 0.00 0.00 0.00 53.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

141.12 68.29 68.08 61.44 84.67 98.10 96.74 82.41 75.44 71.92 67.57 66.76 63.28 59.82 58.48 56.39 53.96 51.84 43.75 43.00

3,986.13

43.00

Page 127 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 19

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

SULAWESI 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

964 826 803 385 418 223 143 105 47 27 10 17 11 9 2 7 3 1 1 4.002

964 1.790 2.593 2.978 3.396 3.619 3.762 3.867 3.914 3.941 3.951 3.968 3.979 3.988 3.990 3.997 4.000 4.000 4.001 4.002

BAND

CUM.

24.09 24.09 20.64 44.73 20.06 64.79 9.62 74.41 10.44 84.86 5.57 90.43 3.57 94.00 2.62 96.63 1.17 97.80 0.67 98.48 0.25 98.73 0.42 99.15 0.27 99.43 0.22 99.65 0.05 99.70 0.17 99.88 0.07 99.95 0.00 99.95 0.02 99.98 0.02 100.00

PERCENTAGE rp

232.35 237.41 486.06 417.75 720.40 557.35 529.73 285.87 250.87 180.10 99.52 128.88 111.01 164.58 122.33 135.87 128.54 0.00 575.49 221.69 5,585.80

232.35 469.76 955.82 1,373.57 2,093.98 2,651.33 3,181.06 3,466.93 3,717.80 3,897.89 3,997.42 4,126.30 4,237.30 4,401.88 4,524.21 4,660.09 4,788.63 4,788.63 5,364.11 5,585.80

BAND

4.16 4.25 8.70 7.48 12.90 9.98 9.48 5.12 4.49 3.22 1.78 2.31 1.99 2.95 2.19 2.43 2.30 0.00 10.30 3.97

CUM.

4.16 8.41 17.11 24.59 37.49 47.47 56.95 62.07 66.56 69.78 71.56 73.87 75.86 78.80 80.99 83.43 85.73 85.73 96.03 100.00

PERCENTAGE f

1 3 1 2 1 1 9

1 4 5 7 8 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9

PERCENTAGE

BAND

CUM.

BAND

CUM.

11.11 33.33 11.11 22.22 11.11 11.11 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

11.11 44.44 55.56 77.78 88.89 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

37.50 138.08 85.50 151.39 14.62 168.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

37.50 175.58 261.08 412.47 427.10 595.61 595.61 595.61 595.61 595.61 595.61 595.61 595.61 595.61 595.61 595.61 595.61 595.61 595.61 595.61

6.30 23.18 14.36 25.42 2.46 28.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6.30 29.48 43.84 69.25 71.71 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

595.61

PERCENTAGE BAND

CUM

16.14 58.16 17.59 36.24 2.03 30.23 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

16.14 37.38 27.32 30.03 20.40 22.46 18.72 17.18 16.02 15.28 14.90 14.43 14.06 13.53 13.16 12.78 12.44 12.44 11.10 10.66 10.66

Page 128 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

SULAWESI 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

2.025 2.196 2.185 1.051 902 408 319 211 135 73 60 72 49 43 27 41 43 15 8 5 9.868

2.025 4.221 6.406 7.457 8.359 8.767 9.086 9.297 9.432 9.505 9.565 9.637 9.686 9.729 9.756 9.797 9.840 9.855 9.863 9.868

BAND

CUM.

20.52 20.52 22.25 42.77 22.14 64.92 10.65 75.57 9.14 84.71 4.13 88.84 3.23 92.08 2.14 94.21 1.37 95.58 0.74 96.32 0.61 96.93 0.73 97.66 0.50 98.16 0.44 98.59 0.27 98.87 0.42 99.28 0.44 99.72 0.15 99.87 0.08 99.95 0.05 100.00

PERCENTAGE rp

413.00 542.06 1,164.10 1,032.22 1,301.93 917.35 975.38 874.57 688.84 462.53 427.54 660.92 458.59 484.01 397.39 687.28 1,627.84 1,086.49 437.19 998.53

413.00 955.07 2,119.17 3,151.39 4,453.32 5,370.67 6,346.05 7,220.62 7,909.46 8,371.99 8,799.53 9,460.45 9,919.04 10,403.05 10,800.44 11,487.72 13,115.56 14,202.05 14,639.24 15,637.77

15,637.77

BAND

2.64 3.47 7.44 6.60 8.33 5.87 6.24 5.59 4.40 2.96 2.73 4.23 2.93 3.10 2.54 4.40 10.41 6.95 2.80 6.39

CUM.

2.64 6.11 13.55 20.15 28.48 34.34 40.58 46.17 50.58 53.54 56.27 60.50 63.43 66.53 69.07 73.46 83.87 90.82 93.61 100.00

PERCENTAGE f

1 2 2 1 1 1 1 1 2 12

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

1 3 5 6 6 7 7 8 8 8 8 9 10 12 12 12 12

0.00 0.00 0.00 8.33 16.67 16.67 8.33 0.00 8.33 0.00 8.33 0.00 0.00 0.00 8.33 8.33 16.67 0.00 0.00 0.00

0.00 0.00 0.00 8.33 25.00 41.67 50.00 50.00 58.33 58.33 66.67 66.67 66.67 66.67 75.00 83.33 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 4.48 222.22 35.37 0.00 1,715.64 0.00 0.95 0.00 0.00 0.00 78.43 36.24 121.32 0.00 0.00 0.00

0.00 0.00 0.00 0.00 4.48 226.70 262.07 262.07 1,977.70 1,977.70 1,978.65 1,978.65 1,978.65 1,978.65 2,057.08 2,093.32 2,214.64 2,214.64 2,214.64 2,214.64

0.00 0.00 0.00 0.00 0.20 10.03 1.60 0.00 77.47 0.00 0.04 0.00 0.00 0.00 3.54 1.64 5.48 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.20 10.24 11.83 11.83 89.30 89.30 89.34 89.34 89.34 89.34 92.89 94.52 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.34 24.22 3.63 0.00 249.06 0.00 0.22 0.00 0.00 0.00 19.74 5.27 7.45 0.00 0.00 0.00

2,214.64

CUM

0.00 0.00 0.00 0.00 0.10 4.22 4.13 3.63 25.00 23.62 22.49 20.91 19.95 19.02 19.05 18.22 16.89 15.59 15.13 14.16 14.16

Page 129 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 21

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

SULAWESI TENGGARA

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

217 237 185 91 72 36 21 13 2 1 9 5 2 3 3 2 2 6 1 908

217 454 639 730 802 838 859 872 874 875 875 884 889 891 894 897 899 901 907 908

BAND

CUM.

23.90 23.90 26.10 50.00 20.37 70.37 10.02 80.40 7.93 88.33 3.96 92.29 2.31 94.60 1.43 96.04 0.22 96.26 0.11 96.37 0.00 96.37 0.99 97.36 0.55 97.91 0.22 98.13 0.33 98.46 0.33 98.79 0.22 99.01 0.22 99.23 0.66 99.89 0.11 100.00

PERCENTAGE rp

30.09 49.91 103.35 98.60 99.71 93.87 65.12 44.12 7.68 0.71 0.00 60.88 17.98 14.12 2.40 36.74 7.37 180.87 829.12 0.00 1,742.61

30.09 80.00 183.35 281.94 381.65 475.52 540.64 584.76 592.44 593.15 593.15 654.03 672.01 686.13 688.52 725.26 732.63 913.49 1,742.61 1,742.61

BAND

1.73 2.86 5.93 5.66 5.72 5.39 3.74 2.53 0.44 0.04 0.00 3.49 1.03 0.81 0.14 2.11 0.42 10.38 47.58 0.00

CUM.

1.73 4.59 10.52 16.18 21.90 27.29 31.02 33.56 34.00 34.04 34.04 37.53 38.56 39.37 39.51 41.62 42.04 52.42 100.00 100.00

PERCENTAGE f

1 2 1 1 5

1 3 4 4 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

CUM

20.00 40.00 20.00 0.00 20.00 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

20.00 60.00 80.00 80.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

14.00 13.62 20.10 0.00 342.26 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

14.00 27.62 47.72 47.72 389.97 389.97 389.97 389.97 389.97 389.97 389.97 389.97 389.97 389.97 389.97 389.97 389.97 389.97 389.97 389.97

3.59 3.49 5.16 0.00 87.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3.59 7.08 12.24 12.24 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

46.53 27.28 19.45 0.00 343.24 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

46.53 34.52 26.03 16.92 102.18 82.01 72.13 66.69 65.83 65.75 65.75 59.63 58.03 56.84 56.64 53.77 53.23 42.69 22.38 22.38

389.97

22.38

Page 130 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 22

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

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

1.747 1.598 1.694 997 1.278 591 416 405 199 110 78 100 76 71 47 71 61 34 28 9 9.610

1.747 3.345 5.039 6.036 7.314 7.905 8.321 8.726 8.925 9.035 9.113 9.213 9.289 9.360 9.407 9.478 9.539 9.573 9.601 9.610

BAND

CUM.

18.18 18.18 16.63 34.81 17.63 52.43 10.37 62.81 13.30 76.11 6.15 82.26 4.33 86.59 4.21 90.80 2.07 92.87 1.14 94.02 0.81 94.83 1.04 95.87 0.79 96.66 0.74 97.40 0.49 97.89 0.74 98.63 0.63 99.26 0.35 99.61 0.29 99.91 0.09 100.00

PERCENTAGE rp

377.76 328.03 719.34 731.71 1,413.22 977.69 845.83 1,120.43 783.92 536.28 484.43 688.15 701.76 851.75 704.06 1,105.36 2,036.11 2,242.45 3,989.88 1,076.14

377.76 705.79 1,425.13 2,156.85 3,570.07 4,547.76 5,393.60 6,514.03 7,297.95 7,834.24 8,318.67 9,006.81 9,708.58 10,560.32 11,264.38 12,369.74 14,405.85 16,648.30 20,638.18 21,714.32

21,714.32

BAND

1.74 1.51 3.31 3.37 6.51 4.50 3.90 5.16 3.61 2.47 2.23 3.17 3.23 3.92 3.24 5.09 9.38 10.33 18.37 4.96

CUM.

1.74 3.25 6.56 9.93 16.44 20.94 24.84 30.00 33.61 36.08 38.31 41.48 44.71 48.63 51.88 56.97 66.34 76.67 95.04 100.00

PERCENTAGE f

BAND

3 1 3 1 2 13 2 3 1 3 3 6 2 7 2 3 -

3 4 7 8 10 23 25 28 28 28 29 29 32 35 41 43 50 52 55 55

5.45 1.82 5.45 1.82 3.64 23.64 3.64 5.45 0.00 0.00 1.82 0.00 5.45 5.45 10.91 3.64 12.73 3.64 5.45 0.00

CUM.

PERCENTAGE rp

5.45 142.41 7.27 85.00 12.73 110.23 14.55 28.40 18.18 31.60 41.82 303.66 45.45 2.03 50.91 1,515.99 50.91 0.00 50.91 0.00 52.73 0.00 52.73 0.00 58.18 64.47 63.64 26.60 74.55 184.08 78.18 88.14 90.91 1,366.54 94.55 17.95 100.00 209.70 100.00 0.00 4,176.80

142.41 227.41 337.64 366.04 397.64 701.30 703.33 2,219.31 2,219.31 2,219.31 2,219.31 2,219.31 2,283.79 2,310.39 2,494.47 2,582.61 3,949.15 3,967.10 4,176.80 4,176.80

BAND

PERCENTAGE

CUM.

BAND

3.41 3.41 2.04 5.44 2.64 8.08 0.68 8.76 0.76 9.52 7.27 16.79 0.05 16.84 36.30 53.13 0.00 53.13 0.00 53.13 0.00 53.13 0.00 53.13 1.54 54.68 0.64 55.31 4.41 59.72 2.11 61.83 32.72 94.55 0.43 94.98 5.02 100.00 0.00 100.00

37.70 25.91 15.32 3.88 2.24 31.06 0.24 135.30 0.00 0.00 0.00 0.00 9.19 3.12 26.15 7.97 67.12 0.80 5.26 0.00

CUM

37.70 32.22 23.69 16.97 11.14 15.42 13.04 34.07 30.41 28.33 26.68 24.64 23.52 21.88 22.14 20.88 27.41 23.83 20.24 19.24 19.24

Page 131 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 23

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

NUSA TEGGARA 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

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

849 597 331 128 129 67 57 47 22 13 9 12 9 12 4 11 8 3 3 2.311

849 1.446 1.777 1.905 2.034 2.101 2.158 2.205 2.227 2.240 2.249 2.261 2.270 2.282 2.286 2.297 2.305 2.308 2.311 2.311

BAND

CUM.

36.74 36.74 25.83 62.57 14.32 76.89 5.54 82.43 5.58 88.01 2.90 90.91 2.47 93.38 2.03 95.41 0.95 96.37 0.56 96.93 0.39 97.32 0.52 97.84 0.39 98.23 0.52 98.75 0.17 98.92 0.48 99.39 0.35 99.74 0.13 99.87 0.13 100.00 0.00 100.00

PERCENTAGE rp

91.25 152.71 216.25 129.24 216.95 195.99 181.76 246.04 130.66 102.72 41.32 98.97 108.64 154.26 70.58 175.74 151.54 249.88 462.12 0.00 3,176.62

91.25 243.96 460.21 589.44 806.39 1,002.39 1,184.14 1,430.18 1,560.84 1,663.56 1,704.88 1,803.85 1,912.50 2,066.76 2,137.34 2,313.08 2,464.62 2,714.50 3,176.62 3,176.62

BAND

2.87 4.81 6.81 4.07 6.83 6.17 5.72 7.75 4.11 3.23 1.30 3.12 3.42 4.86 2.22 5.53 4.77 7.87 14.55 0.00

CUM.

2.87 7.68 14.49 18.56 25.39 31.56 37.28 45.02 49.14 52.37 53.67 56.79 60.21 65.06 67.28 72.82 77.59 85.45 100.00 100.00

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

2 1 4 4 15 1 2 -

2 3 7 7 7 11 11 26 26 27 27 27 27 27 27 27 29 29 29 29

6.90 3.45 13.79 0.00 0.00 13.79 0.00 51.72 0.00 3.45 0.00 0.00 0.00 0.00 0.00 0.00 6.90 0.00 0.00 0.00

6.90 10.34 24.14 24.14 24.14 37.93 37.93 89.66 89.66 93.10 93.10 93.10 93.10 93.10 93.10 93.10 100.00 100.00 100.00 100.00

17.00 6.08 283.32 0.00 0.00 7.39 0.00 33.01 0.00 15.56 0.00 0.00 0.00 0.00 0.00 0.00 259.79 0.00 0.00 0.00

17.00 23.08 306.40 306.40 306.40 313.78 313.78 346.79 346.79 362.35 362.35 362.35 362.35 362.35 362.35 362.35 622.14 622.14 622.14 622.14

2.73 0.98 45.54 0.00 0.00 1.19 0.00 5.31 0.00 2.50 0.00 0.00 0.00 0.00 0.00 0.00 41.76 0.00 0.00 0.00

2.73 3.71 49.25 49.25 49.25 50.44 50.44 55.74 55.74 58.24 58.24 58.24 58.24 58.24 58.24 58.24 100.00 100.00 100.00 100.00

18.63 3.98 131.02 0.00 0.00 3.77 0.00 13.42 0.00 15.15 0.00 0.00 0.00 0.00 0.00 0.00 171.43 0.00 0.00 0.00

622.14

CUM

18.63 9.46 66.58 51.98 38.00 31.30 26.50 24.25 22.22 21.78 21.25 20.09 18.95 17.53 16.95 15.67 25.24 22.92 19.59 19.59 19.59

Page 132 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 24

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

NUSA TEGGARA 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

372 378 390 202 255 110 64 42 28 15 7 3 5 1 2 4 2 1.880

372 750 1.140 1.342 1.597 1.707 1.771 1.813 1.841 1.856 1.863 1.863 1.866 1.871 1.872 1.874 1.878 1.878 1.880 1.880

BAND

CUM.

19.79 19.79 20.11 39.89 20.74 60.64 10.74 71.38 13.56 84.95 5.85 90.80 3.40 94.20 2.23 96.44 1.49 97.93 0.80 98.72 0.37 99.10 0.00 99.10 0.16 99.26 0.27 99.52 0.05 99.57 0.11 99.68 0.21 99.89 0.00 99.89 0.11 100.00 0.00 100.00

PERCENTAGE rp

48.87 155.55 320.46 280.50 565.43 331.32 298.16 225.74 205.58 132.58 77.80 0.00 22.44 75.92 13.29 33.77 193.91 0.00 383.04 0.00 3,364.34

48.87 204.42 524.88 805.38 1,370.81 1,702.12 2,000.28 2,226.01 2,431.59 2,564.17 2,641.97 2,641.97 2,664.41 2,740.32 2,753.61 2,787.38 2,981.29 2,981.29 3,364.34 3,364.34

BAND

1.45 4.62 9.53 8.34 16.81 9.85 8.86 6.71 6.11 3.94 2.31 0.00 0.67 2.26 0.39 1.00 5.76 0.00 11.39 0.00

CUM.

1.45 6.08 15.60 23.94 40.75 50.59 59.46 66.17 72.28 76.22 78.53 78.53 79.20 81.45 81.85 82.85 88.61 88.61 100.00 100.00

PERCENTAGE f

1 1 2 1 5

1 2 4 4 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5

PERCENTAGE

BAND

CUM.

BAND

CUM.

20.00 20.00 40.00 0.00 20.00 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

20.00 40.00 80.00 80.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

25.33 84.00 154.83 0.00 433.24 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

25.33 109.33 264.15 264.15 697.40 697.40 697.40 697.40 697.40 697.40 697.40 697.40 697.40 697.40 697.40 697.40 697.40 697.40 697.40 697.40

3.63 12.04 22.20 0.00 62.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3.63 15.68 37.88 37.88 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

697.40

PERCENTAGE BAND

CUM

51.83 54.00 48.31 0.00 76.62 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

51.83 53.48 50.33 32.80 50.87 40.97 34.86 31.33 28.68 27.20 26.40 26.40 26.17 25.45 25.33 25.02 23.39 23.39 20.73 20.73 20.73

Page 133 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 25

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

MALUKU

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

131 152 151 100 107 74 43 49 21 16 5 6 6 3 6 1 6 1 2 880

131 283 434 534 641 715 758 807 828 844 849 855 861 864 870 871 877 878 878 880

BAND

CUM.

14.89 14.89 17.27 32.16 17.16 49.32 11.36 60.68 12.16 72.84 8.41 81.25 4.89 86.14 5.57 91.70 2.39 94.09 1.82 95.91 0.57 96.48 0.68 97.16 0.68 97.84 0.34 98.18 0.68 98.86 0.11 98.98 0.68 99.66 0.11 99.77 0.00 99.77 0.23 100.00

PERCENTAGE rp

23.60 45.68 112.69 132.20 223.76 219.39 157.89 286.38 117.27 59.24 40.00 48.53 115.34 34.28 83.49 31.38 283.54 10.89 0.00 605.07 2,630.64

23.60 69.28 181.97 314.17 537.93 757.32 915.22 1,201.60 1,318.86 1,378.10 1,418.10 1,466.63 1,581.98 1,616.26 1,699.75 1,731.13 2,014.68 2,025.57 2,025.57 2,630.64

BAND

0.90 1.74 4.28 5.03 8.51 8.34 6.00 10.89 4.46 2.25 1.52 1.84 4.38 1.30 3.17 1.19 10.78 0.41 0.00 23.00

CUM.

0.90 2.63 6.92 11.94 20.45 28.79 34.79 45.68 50.13 52.39 53.91 55.75 60.14 61.44 64.61 65.81 76.59 77.00 77.00 100.00

PERCENTAGE f

2 1 1 4

2 2 2 3 3 3 4 4 4 4 4 4 4 4 4 4 4 4 4 4

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

CUM

50.00 0.00 0.00 25.00 0.00 0.00 25.00 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 50.00 75.00 75.00 75.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

57.00 0.00 0.00 2.28 0.00 0.00 149.94 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

57.00 57.00 57.00 59.28 59.28 59.28 209.21 209.21 209.21 209.21 209.21 209.21 209.21 209.21 209.21 209.21 209.21 209.21 209.21 209.21

27.24 0.00 0.00 1.09 0.00 0.00 71.67 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

27.24 27.24 27.24 28.33 28.33 28.33 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

241.50 0.00 0.00 1.72 0.00 0.00 94.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

241.50 82.27 31.32 18.87 11.02 7.83 22.86 17.41 15.86 15.18 14.75 14.26 13.22 12.94 12.31 12.09 10.38 10.33 10.33 7.95

209.21

7.95

Page 134 of 180

RISK AND LOSS PROFILE 2003 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2003

PROVINCE

: 26

DATA POSITION FROM TO PROCESSING

DATE

01/01/2003

15/12/2004

15/02/2005

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

179 184 241 134 193 91 71 64 29 10 16 16 19 12 11 20 8 8 1 1.307

179 363 604 738 931 1.022 1.093 1.157 1.186 1.196 1.212 1.228 1.247 1.259 1.270 1.290 1.298 1.306 1.306 1.307

BAND

CUM.

13.70 13.70 14.08 27.77 18.44 46.21 10.25 56.47 14.77 71.23 6.96 78.19 5.43 83.63 4.90 88.52 2.22 90.74 0.77 91.51 1.22 92.73 1.22 93.96 1.45 95.41 0.92 96.33 0.84 97.17 1.53 98.70 0.61 99.31 0.61 99.92 0.00 99.92 0.08 100.00

PERCENTAGE rp

360.40 88.98 217.08 208.17 430.33 264.61 295.11 342.77 205.91 114.36 152.44 89.90 233.75 174.81 148.25 543.63 395.67 500.14 0.00 755.00 5,521.30

360.40 449.37 666.45 874.63 1,304.96 1,569.57 1,864.68 2,207.44 2,413.36 2,527.72 2,680.16 2,770.06 3,003.81 3,178.62 3,326.87 3,870.50 4,266.17 4,766.30 4,766.30 5,521.30

BAND

6.53 1.61 3.93 3.77 7.79 4.79 5.34 6.21 3.73 2.07 2.76 1.63 4.23 3.17 2.69 9.85 7.17 9.06 0.00 13.67

CUM.

6.53 8.14 12.07 15.84 23.63 28.43 33.77 39.98 43.71 45.78 48.54 50.17 54.40 57.57 60.26 70.10 77.27 86.33 86.33 100.00

PERCENTAGE f

1 3 2 1 1 1 1 10

BAND

CUM.

1 4 4 6 6 7 8 8 9 9 10 10 10 10 10 10 10 10 10

0.00 10.00 30.00 0.00 20.00 0.00 10.00 10.00 0.00 10.00 0.00 10.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 10.00 40.00 40.00 60.00 60.00 70.00 80.00 80.00 90.00 90.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 11.63 43.44 0.00 456.28 0.00 27.24 588.26 0.00 20.60 0.00 637.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,784.67

PERCENTAGE

BAND

CUM.

0.00 11.63 55.07 55.07 511.35 511.35 538.59 1,126.84 1,126.84 1,147.44 1,147.44 1,784.67 1,784.67 1,784.67 1,784.67 1,784.67 1,784.67 1,784.67 1,784.67 1,784.67

0.00 0.65 2.43 0.00 25.57 0.00 1.53 32.96 0.00 1.15 0.00 35.71 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.65 3.09 3.09 28.65 28.65 30.18 63.14 63.14 64.29 64.29 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

BAND

CUM

0.00 13.07 20.01 0.00 106.03 0.00 9.23 171.62 0.00 18.01 0.00 708.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 2.59 8.26 6.30 39.19 32.58 28.88 51.05 46.69 45.39 42.81 64.43 59.41 56.15 53.64 46.11 41.83 37.44 37.44 32.32 32.32

Page 135 of 180

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 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2004

15/12/2004

DATE

15/02/2005

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

87.008 92.736 107.446 58.561 58.360 27.061 19.289 13.496 7.461 3.920 3.130 3.331 2.357 2.807 1.800 2.626 2.036 809 787 178

87.008 179.744 287.190 345.751 404.111 431.172 450.461 463.957 471.418 475.338 478.468 481.799 484.156 486.963 488.763 491.389 493.425 494.234 495.021 495.199

BAND

CUM.

PERCENTAGE rp

17.57 17.57 41,636.00 18.73 36.30 22,226.06 21.70 57.99 46,560.20 11.83 69.82 40,884.62 11.79 81.61 67,300.24 5.46 87.07 42,440.52 3.90 90.97 52,461.51 2.73 93.69 48,698.11 1.51 95.20 36,573.59 0.79 95.99 19,746.80 0.63 96.62 19,879.89 0.67 97.29 24,292.83 0.48 97.77 23,435.95 0.57 98.34 35,637.12 0.36 98.70 25,149.46 0.53 99.23 58,817.35 0.41 99.64 77,627.99 0.16 99.81 52,748.81 0.16 99.96 97,704.63 0.04 100.00 117,069.50

41,636.00 63,862.06 110,422.26 151,306.88 218,607.12 261,047.64 313,509.15 362,207.26 398,780.85 418,527.64 438,407.54 462,700.37 486,136.31 521,773.43 546,922.89 605,740.24 683,368.23 736,117.05 833,821.68 950,891.18

TOTAL 495.199 950,891.18 Catatan / Note : Data belum termasuk Klaim Fire yang tidak ada Polisnya Rp. 28.866.032.468,40 - Freq. Klaim 123

BAND

CUM.

4.38 4.38 2.34 6.72 4.90 11.61 4.30 15.91 7.08 22.99 4.46 27.45 5.52 32.97 5.12 38.09 3.85 41.94 2.08 44.01 2.09 46.10 2.55 48.66 2.46 51.12 3.75 54.87 2.64 57.52 6.19 63.70 8.16 71.87 5.55 77.41 10.28 87.69 12.31 100.00

PERCENTAGE f

77 56 69 36 42 27 29 21 37 12 8 67 14 31 20 28 32 19 36 72 733

77 133 202 238 280 307 336 357 394 406 414 481 495 526 546 574 606 625 661 733

BAND

CUM.

10.50 10.50 7.64 18.14 9.41 27.56 4.91 32.47 5.73 38.20 3.68 41.88 3.96 45.84 2.86 48.70 5.05 53.75 1.64 55.39 1.09 56.48 9.14 65.62 1.91 67.53 4.23 71.76 2.73 74.49 3.82 78.31 4.37 82.67 2.59 85.27 4.91 90.18 9.82 100.00

PERCENTAGE rp

18,954.84 3,978.69 6,373.73 4,183.96 5,057.34 5,493.15 5,787.92 4,068.36 7,059.72 4,030.39 1,711.35 8,806.75 3,287.14 10,618.48 13,535.82 18,114.63 18,719.22 14,072.41 19,530.37 50,191.17 223,575.43

BAND

CUM.

18,954.84 8.48 8.48 22,933.53 1.78 10.26 29,307.26 2.85 13.11 33,491.22 1.87 14.98 38,548.56 2.26 17.24 44,041.71 2.46 19.70 49,829.62 2.59 22.29 53,897.98 1.82 24.11 60,957.71 3.16 27.26 64,988.09 1.80 29.07 66,699.44 0.77 29.83 75,506.20 3.94 33.77 78,793.33 1.47 35.24 89,411.81 4.75 39.99 102,947.63 6.05 46.05 121,062.26 8.10 54.15 139,781.48 8.37 62.52 153,853.89 6.29 68.82 173,384.26 8.74 77.55 223,575.43 22.45 100.00

PERCENTAGE BAND

45.53 17.90 13.69 10.23 7.51 12.94 11.03 8.35 19.30 20.41 8.61 36.25 14.03 29.80 53.82 30.80 24.11 26.68 19.99 42.87

CUM

45.53 35.91 26.54 22.13 17.63 16.87 15.89 14.88 15.29 15.53 15.21 16.32 16.21 17.14 18.82 19.99 20.45 20.90 20.79 23.51 23.51

( Data not Include Claim Fire no Policy Rp. 28.866.032.468,40 - Freq Claim 123 )

Page 136 of 180

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 2004 CLASS OF BUSINESS

:FIRE

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2004

15/12/2004

DATE

15/02/2005

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

BAND

CUM.

85.031 91.650 104.567 56.610 55.465 25.153 17.666 11.943 6.395 3.219 2.459 2.526 1.679 1.920 1.067 1.411 861 288 218 53

85.031 176.681 281.248 337.858 393.323 418.476 436.142 448.085 454.480 457.699 460.158 462.684 464.363 466.283 467.350 468.761 469.622 469.910 470.128 470.181

18.08 19.49 22.24 12.04 11.80 5.35 3.76 2.54 1.36 0.68 0.52 0.54 0.36 0.41 0.23 0.30 0.18 0.06 0.05 0.01

18.08 37.58 59.82 71.86 83.65 89.00 92.76 95.30 96.66 97.35 97.87 98.41 98.76 99.17 99.40 99.70 99.88 99.94 99.99 100.00

27,835.24 21,813.40 45,160.23 39,643.67 64,507.38 40,125.81 49,250.28 44,996.71 33,253.45 17,349.38 16,874.49 19,747.70 18,196.78 27,775.02 16,880.60 38,759.53 38,461.62 18,502.88 32,061.86 75,787.75

27,835.24 49,648.64 94,808.87 134,452.54 198,959.91 239,085.73 288,336.01 333,332.72 366,586.16 383,935.55 400,810.03 420,557.74 438,754.51 466,529.53 483,410.13 522,169.67 560,631.29 579,134.16 611,196.03 686,983.77

470.181

686,983.77

BAND

4.05 3.18 6.57 5.77 9.39 5.84 7.17 6.55 4.84 2.53 2.46 2.87 2.65 4.04 2.46 5.64 5.60 2.69 4.67 11.03

CUM.

4.05 7.23 13.80 19.57 28.96 34.80 41.97 48.52 53.36 55.89 58.34 61.22 63.87 67.91 70.37 76.01 81.61 84.30 88.97 100.00

PERCENTAGE f

54 41 58 30 26 21 25 15 30 7 6 62 9 25 10 11 13 7 16 1 467

54 95 153 183 209 230 255 270 300 307 313 375 384 409 419 430 443 450 466 467

BAND

CUM.

11.56 8.78 12.42 6.42 5.57 4.50 5.35 3.21 6.42 1.50 1.28 13.28 1.93 5.35 2.14 2.36 2.78 1.50 3.43 0.21

11.56 20.34 32.76 39.19 44.75 49.25 54.60 57.82 64.24 65.74 67.02 80.30 82.23 87.58 89.72 92.08 94.86 96.36 99.79 100.00

PERCENTAGE rp

10,161.52 3,199.37 5,924.48 3,533.04 4,190.36 3,970.57 5,739.94 3,266.03 6,307.96 3,897.93 1,688.94 8,597.79 2,272.73 9,970.29 2,034.20 12,561.18 2,301.45 388.50 14,947.50 12.57 104,966.34

10,161.52 13,360.89 19,285.36 22,818.40 27,008.76 30,979.33 36,719.28 39,985.31 46,293.27 50,191.20 51,880.13 60,477.93 62,750.66 72,720.95 74,755.15 87,316.32 89,617.77 90,006.27 104,953.77 104,966.34

BAND

9.68 3.05 5.64 3.37 3.99 3.78 5.47 3.11 6.01 3.71 1.61 8.19 2.17 9.50 1.94 11.97 2.19 0.37 14.24 0.01

CUM.

9.68 12.73 18.37 21.74 25.73 29.51 34.98 38.09 44.10 47.82 49.43 57.62 59.78 69.28 71.22 83.19 85.38 85.75 99.99 100.00

PERCENTAGE BAND

CUM

36.51 14.67 13.12 8.91 6.50 9.90 11.65 7.26 18.97 22.47 10.01 43.54 12.49 35.90 12.05 32.41 5.98 2.10 46.62 0.02

36.51 26.91 20.34 16.97 13.57 12.96 12.73 12.00 12.63 13.07 12.94 14.38 14.30 15.59 15.46 16.72 15.99 15.54 17.17 15.28 15.28

Page 137 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

:I.A.R

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

01/01/2004 15/12/2004

15/02/2005

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)

DATE

: :

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

1.302 778 2.351 1.507 2.171 1.430 1 1 777 504 498 579 513 641 532 866 816 338 377 88 18.451

1.302 2.080 4.431 5.938 8.109 9.539 10.753 11.922 12.699 13.203 13.701 14.280 14.793 15.434 15.966 16.832 17.648 17.986 18.363 18.451

BAND

CUM.

7.06 7.06 4.22 11.27 12.74 24.01 8.17 32.18 11.77 43.95 7.75 51.70 6.58 58.28 6.34 64.61 4.21 68.83 2.73 71.56 2.70 74.26 3.14 77.39 2.78 80.17 3.47 83.65 2.88 86.53 4.69 91.23 4.42 95.65 1.83 97.48 2.04 99.52 0.48 100.00

PERCENTAGE rp

11,946.48 355.82 1,269.59 1,090.42 2,399.05 1,946.10 2,705.95 3,103.43 2,814.94 2,063.33 2,587.46 3,732.95 4,505.73 6,575.32 7,083.84 16,595.13 31,818.29 25,779.48 49,454.75 36,207.16 214,035.21

11,946.48 12,302.29 13,571.89 14,662.31 17,061.36 19,007.45 21,713.40 24,816.83 27,631.77 29,695.10 32,282.56 36,015.51 40,521.24 47,096.56 54,180.40 70,775.54 102,593.82 128,373.30 177,828.05 214,035.21

BAND

CUM.

5.58 5.58 0.17 5.75 0.59 6.34 0.51 6.85 1.12 7.97 0.91 8.88 1.26 10.14 1.45 11.59 1.32 12.91 0.96 13.87 1.21 15.08 1.74 16.83 2.11 18.93 3.07 22.00 3.31 25.31 7.75 33.07 14.87 47.93 12.04 59.98 23.11 83.08 16.92 100.00

PERCENTAGE f

23 15 11 6 16 6 4 6 6 5 2 5 4 6 10 17 19 11 20 71 263

PERCENTAGE

BAND

CUM.

23 38 49 55 71 77 81 87 93 98 100 105 109 115 125 142 161 172 192 263

8.75 5.70 4.18 2.28 6.08 2.28 1.52 2.28 2.28 1.90 0.76 1.90 1.52 2.28 3.80 6.46 7.22 4.18 7.60 27.00

8.75 14.45 18.63 20.91 27.00 29.28 30.80 33.08 35.36 37.26 38.02 39.92 41.44 43.73 47.53 53.99 61.22 65.40 73.00 100.00

8,793.32 779.32 449.25 650.92 866.98 1,522.58 47.97 802.33 706.63 132.46 22.41 208.96 989.59 648.19 11,501.62 5,553.45 16,417.78 5,673.91 4,582.86 50,178.61 110,529.14

8,793.32 9,572.64 10,021.90 10,672.81 11,539.80 13,062.37 13,110.35 13,912.68 14,619.30 14,751.76 14,774.17 14,983.13 15,972.73 16,620.91 28,122.53 33,675.98 50,093.76 55,767.67 60,350.54 110,529.14

BAND

CUM.

7.96 7.96 0.71 8.66 0.41 9.07 0.59 9.66 0.78 10.44 1.38 11.82 0.04 11.86 0.73 12.59 0.64 13.23 0.12 13.35 0.02 13.37 0.19 13.56 0.90 14.45 0.59 15.04 10.41 25.44 5.02 30.47 14.85 45.32 5.13 50.46 4.15 54.60 45.40 100.00

PERCENTAGE BAND

CUM

73.61 219.02 35.39 59.69 36.14 78.24 1.77 25.85 25.10 6.42 0.87 5.60 21.96 9.86 162.36 33.46 51.60 22.01 9.27 138.59

73.61 77.81 73.84 72.79 67.64 68.72 60.38 56.06 52.91 49.68 45.77 41.60 39.42 35.29 51.91 47.58 48.83 43.44 33.94 51.64 51.64

Page 138 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

:L.O.P

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2004

15/12/2004

DATE

15/02/2005

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

5 3 6 4 9 11 9 10 2 7 3 5 4 19 11 8 5 121

BAND

CUM.

5 5 8 14 18 27 38 47 57 59 66 69 74 78 97 108 116 121 121

0.00 0.00 4.13 4.13 0.00 4.13 2.48 6.61 4.96 11.57 3.31 14.88 7.44 22.31 9.09 31.40 7.44 38.84 8.26 47.11 1.65 48.76 5.79 54.55 2.48 57.02 4.13 61.16 3.31 64.46 15.70 80.17 9.09 89.26 6.61 95.87 4.13 100.00 0.00 100.00

PERCENTAGE rp

0.00 0.16 0.00 0.90 4.84 1.56 8.80 13.30 17.80 29.22 4.60 39.75 10.58 30.55 63.25 184.69 323.55 436.80 787.63 0.00 1,957.97

0.00 0.16 0.16 1.06 5.90 7.46 16.26 29.56 47.36 76.58 81.17 120.92 131.51 162.05 225.30 409.99 733.54 1,170.34 1,957.97 1,957.97

BAND

0.00 0.01 0.00 0.05 0.25 0.08 0.45 0.68 0.91 1.49 0.23 2.03 0.54 1.56 3.23 9.43 16.52 22.31 40.23 0.00

CUM.

0.00 0.01 0.01 0.05 0.30 0.38 0.83 1.51 2.42 3.91 4.15 6.18 6.72 8.28 11.51 20.94 37.46 59.77 100.00 100.00

PERCENTAGE f

1 1

BAND

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 1 100.00 100.00 1 0.00 100.00 1 0.00 100.00

PERCENTAGE

BAND

CUM.

BAND

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 8,010.00 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 8,010.00 8,010.00 8,010.00

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 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

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 1,833.80 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 0.00 684.42 409.10 409.10

8,010.00

409.10

Page 139 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: Earthquake

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2004

15/12/2004

DATE

15/02/2005

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

675 303 528 441 718 474 400 373 280 187 171 219 162 241 197 330 348 175 187 37 6.446

675 978 1.506 1.947 2.665 3.139 3.539 3.912 4.192 4.379 4.550 4.769 4.931 5.172 5.369 5.699 6.047 6.222 6.409 6.446

BAND

CUM.

10.47 10.47 4.70 15.17 8.19 23.36 6.84 30.20 11.14 41.34 7.35 48.70 6.21 54.90 5.79 60.69 4.34 65.03 2.90 67.93 2.65 70.59 3.40 73.98 2.51 76.50 3.74 80.24 3.06 83.29 5.12 88.41 5.40 93.81 2.71 96.52 2.90 99.43 0.57 100.00

PERCENTAGE rp

1,854.28 56.68 130.38 149.63 388.98 367.05 496.48 584.67 487.40 304.87 413.35 772.43 722.85 1,256.24 1,121.77 3,277.99 7,024.54 8,029.66 15,400.39 5,074.60

1,854.28 1,910.96 2,041.34 2,190.97 2,579.95 2,947.00 3,443.48 4,028.15 4,515.55 4,820.42 5,233.78 6,006.20 6,729.05 7,985.29 9,107.06 12,385.04 19,409.58 27,439.24 42,839.63 47,914.23

47,914.23

BAND

3.87 0.12 0.27 0.31 0.81 0.77 1.04 1.22 1.02 0.64 0.86 1.61 1.51 2.62 2.34 6.84 14.66 16.76 32.14 10.59

CUM.

3.87 3.99 4.26 4.57 5.38 6.15 7.19 8.41 9.42 10.06 10.92 12.54 14.04 16.67 19.01 25.85 40.51 57.27 89.41 100.00

PERCENTAGE f

1 1 2

1 1 1 1 2 2 2 2 2 2 2 2

BAND

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 50.00 50.00 50.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 45.14 0.00 0.00 0.00 24.81 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 45.14 45.14 45.14 45.14 69.95 69.95 69.95 69.95 69.95 69.95 69.95 69.95

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 64.53 0.00 0.00 0.00 35.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00

69.95

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 64.53 64.53 64.53 64.53 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.26 0.00 0.00 0.00 3.43 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 1.00 0.94 0.86 0.75 1.04 0.88 0.77 0.56 0.36 0.25 0.16 0.00 -

Page 140 of 180

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 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

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

22 12 23 18 29 18 26 19 11 9 5 10 9 12 10 15 12 11 12 2 285

22 34 57 75 104 122 148 167 178 187 192 202 211 223 233 248 260 271 283 285

BAND

CUM.

PERCENTAGE rp

7.72 7.72 7.03 4.21 11.93 2.04 8.07 20.00 5.77 6.32 26.32 9.84 10.18 36.49 24.17 6.32 42.81 19.38 9.12 51.93 57.44 6.67 58.60 52.34 3.86 62.46 23.82 3.16 65.61 25.05 1.75 67.37 14.65 3.51 70.88 52.70 3.16 74.04 68.89 4.21 78.25 96.55 3.51 81.75 126.75 5.26 87.02 258.98 4.21 91.23 513.50 3.86 95.09 808.56 4.21 99.30 1,046.92 0.70 100.00 203.62 3,418.00

7.03 9.06 14.83 24.68 48.85 68.22 125.66 178.00 201.82 226.87 241.53 294.23 363.12 459.67 586.43 845.41 1,358.91 2,167.46 3,214.38 3,418.00

BAND

0.21 0.06 0.17 0.29 0.71 0.57 1.68 1.53 0.70 0.73 0.43 1.54 2.02 2.82 3.71 7.58 15.02 23.66 30.63 5.96

CUM.

0.21 0.27 0.43 0.72 1.43 2.00 3.68 5.21 5.90 6.64 7.07 8.61 10.62 13.45 17.16 24.73 39.76 63.41 94.04 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 1 1 1 0 5

BAND

0 0 0 0 0 0 0 0 0 0 0 0 0 1 2 2 3 4 5 5

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 20.00 20.00 20.00 40.00 0.00 40.00 20.00 60.00 20.00 80.00 20.00 100.00 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 0.00 150.00 115.00 0.00 27.27 33.39 0.00 0.00 325.67

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 150.00 265.00 265.00 292.27 325.67 325.67 325.67

BAND

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 46.06 46.06 35.31 81.37 0.00 81.37 8.38 89.75 10.25 100.00 0.00 100.00 0.00 100.00

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 0.00 155.36 90.73 0.00 5.31 4.13 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 32.63 45.19 31.35 21.51 15.03 10.13 9.53 9.53

Page 141 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2004

15/12/2004

DATE

15/02/2005

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

73 49 71 50 52 41 43 39 31 21 22 41 17 18 15 29 43 18 12 7 692

73 122 193 243 295 336 379 418 449 470 492 533 550 568 583 612 655 673 685 692

BAND

CUM.

10.55 10.55 7.08 17.63 10.26 27.89 7.23 35.12 7.51 42.63 5.92 48.55 6.21 54.77 5.64 60.40 4.48 64.88 3.03 67.92 3.18 71.10 5.92 77.02 2.46 79.48 2.60 82.08 2.17 84.25 4.19 88.44 6.21 94.65 2.60 97.25 1.73 98.99 1.01 100.00

PERCENTAGE rp

689.63 689.63 11.69 701.31 35.98 737.29 28.36 765.65 47.20 812.85 59.02 871.87 58.24 930.11 72.37 1,002.48 69.20 1,071.68 86.54 1,158.22 123.41 1,281.63 185.63 1,467.26 80.84 1,548.10 139.11 1,687.21 103.98 1,791.19 542.15 2,333.35 1,267.76 3,601.11 1,162.49 4,763.59 1,066.36 5,829.95 4,631.76 10,461.71 10,461.71

BAND

6.59 0.11 0.34 0.27 0.45 0.56 0.56 0.69 0.66 0.83 1.18 1.77 0.77 1.33 0.99 5.18 12.12 11.11 10.19 44.27

CUM.

6.59 6.70 7.05 7.32 7.77 8.33 8.89 9.58 10.24 11.07 12.25 14.03 14.80 16.13 17.12 22.30 34.42 45.53 55.73 100.00

PERCENTAGE f

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

BAND

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

CUM.

PERCENTAGE rp

12.50 12.50 2.05 0.00 12.50 0.00 0.00 12.50 0.00 12.50 25.00 0.65 0.00 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 12.50 37.50 33.00 0.00 37.50 0.00 0.00 37.50 0.00 0.00 37.50 0.00 0.00 37.50 0.00 0.00 37.50 0.00 25.00 62.50 19.29 0.00 62.50 0.00 0.00 62.50 0.00 37.50 100.00 1,974.72 2,029.72

2.05 2.05 2.05 2.70 2.70 2.70 2.70 2.70 2.70 2.70 35.70 35.70 35.70 35.70 35.70 35.70 55.00 55.00 55.00 2,029.72

BAND

0.10 0.00 0.00 0.03 0.00 0.00 0.00 0.00 0.00 0.00 1.63 0.00 0.00 0.00 0.00 0.00 0.95 0.00 0.00 97.29

CUM.

0.10 0.10 0.10 0.13 0.13 0.13 0.13 0.13 0.13 0.13 1.76 1.76 1.76 1.76 1.76 1.76 2.71 2.71 2.71 100.00

PERCENTAGE BAND

0.30 0.00 0.00 2.30 0.00 0.00 0.00 0.00 0.00 0.00 26.74 0.00 0.00 0.00 0.00 0.00 1.52 0.00 0.00 42.63

CUM

0.30 0.29 0.28 0.35 0.33 0.31 0.29 0.27 0.25 0.23 2.79 2.43 2.31 2.12 1.99 1.53 1.53 1.15 0.94 19.40 19.40

Page 142 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2004

15/12/2004

DATE

15/02/2005

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

224 166 293 196 334 262 249 226 174 112 89 157 117 165 121 208 170 75 81 13 3.432

224 390 683 879 1.213 1.475 1.724 1.950 2.124 2.236 2.325 2.482 2.599 2.764 2.885 3.093 3.263 3.338 3.419 3.432

BAND

CUM.

6.53 6.53 4.84 11.36 8.54 19.90 5.71 25.61 9.73 35.34 7.63 42.98 7.26 50.23 6.59 56.82 5.07 61.89 3.26 65.15 2.59 67.74 4.57 72.32 3.41 75.73 4.81 80.54 3.53 84.06 6.06 90.12 4.95 95.08 2.19 97.26 2.36 99.62 0.38 100.00

PERCENTAGE rp

1,162.23 34.53 106.17 115.67 278.36 307.66 8,998.69 557.52 478.13 382.64 718.67 782.96 848.75 1,529.46 1,399.40 2,699.05 4,164.39 2,518.10 4,353.62 1,023.82 32,459.82

1,162.23 1,196.76 1,302.93 1,418.60 1,696.96 2,004.62 11,003.31 11,560.83 12,038.97 12,421.60 13,140.27 13,923.23 14,771.99 16,301.45 17,700.84 20,399.90 24,564.29 27,082.39 31,436.00 32,459.82

BAND

3.58 0.11 0.33 0.36 0.86 0.95 27.72 1.72 1.47 1.18 2.21 2.41 2.61 4.71 4.31 8.32 12.83 7.76 13.41 3.15

CUM.

3.58 3.69 4.01 4.37 5.23 6.18 33.90 35.62 37.09 38.27 40.48 42.89 45.51 50.22 54.53 62.85 75.68 83.43 96.85 100.00

PERCENTAGE f

0 0 0 0 1 1 2 0 3 0 0 0 0 0 1 1 3 2 0 0 14

BAND

0 0 0 0 1 2 4 4 7 7 7 7 7 7 8 9 12 14 14 14

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 7.14 7.14 9.00 7.14 14.29 8.27 14.29 28.57 8.90 0.00 28.57 0.00 21.43 50.00 36.99 0.00 50.00 0.00 0.00 50.00 0.00 0.00 50.00 0.00 0.00 50.00 0.00 0.00 50.00 0.00 7.14 57.14 16.85 7.14 64.29 278.00 21.43 85.71 24.32 14.29 100.00 52.27 0.00 100.00 0.00 0.00 100.00 0.00 434.60

0.00 0.00 0.00 0.00 9.00 17.27 26.17 26.17 63.16 63.16 63.16 63.16 63.16 63.16 80.01 358.01 382.33 434.60 434.60 434.60

BAND

0.00 0.00 0.00 0.00 2.07 1.90 2.05 0.00 8.51 0.00 0.00 0.00 0.00 0.00 3.88 63.97 5.60 12.03 0.00 0.00

PERCENTAGE

CUM.

BAND

0.00 0.00 0.00 0.00 2.07 3.97 6.02 6.02 14.53 14.53 14.53 14.53 14.53 14.53 18.41 82.38 87.97 100.00 100.00 100.00

0.00 0.00 0.00 0.00 3.23 2.69 0.10 0.00 7.74 0.00 0.00 0.00 0.00 0.00 1.20 10.30 0.58 2.08 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.53 0.86 0.24 0.23 0.52 0.51 0.48 0.45 0.43 0.39 0.45 1.75 1.56 1.60 1.38 1.34 1.34

Page 143 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2004

15/12/2004

DATE

15/02/2005

Chemical / Oils / Gas

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

200 99 231 164 336 317 310 333 251 188 168 199 150 219 167 247 216 87 91 32 4.005

200 299 530 694 1.030 1.347 1.657 1.990 2.241 2.429 2.597 2.796 2.946 3.165 3.332 3.579 3.795 3.882 3.973 4.005

BAND

CUM.

PERCENTAGE rp

4.99 4.99 1,874.64 1,874.64 2.47 7.47 57.11 1,931.75 5.77 13.23 180.96 2,112.71 4.09 17.33 218.56 2,331.27 8.39 25.72 537.63 2,868.90 7.92 33.63 670.19 3,539.09 7.74 41.37 979.11 4,518.20 8.31 49.69 1,322.80 5,841.00 6.27 55.96 1,409.14 7,250.14 4.69 60.65 1,025.84 8,275.99 4.19 64.84 1,154.30 9,430.29 4.97 69.81 1,594.87 11,025.16 3.75 73.56 1,664.64 12,689.80 5.47 79.03 2,875.92 15,565.72 4.17 83.20 2,505.46 18,071.18 6.17 89.36 4,881.66 22,952.84 5.39 94.76 8,601.38 31,554.23 2.17 96.93 5,713.74 37,267.97 2.27 99.20 11,901.02 49,168.99 0.80 100.00 14,476.86 63,645.85 63,645.85

BAND

2.95 0.09 0.28 0.34 0.84 1.05 1.54 2.08 2.21 1.61 1.81 2.51 2.62 4.52 3.94 7.67 13.51 8.98 18.70 22.75

CUM.

2.95 3.04 3.32 3.66 4.51 5.56 7.10 9.18 11.39 13.00 14.82 17.32 19.94 24.46 28.39 36.06 49.58 58.56 77.25 100.00

PERCENTAGE f

3 2 0 0 1 0 0 1 2 0 0 0 0 0 2 3 1 4 1 1 21

BAND

3 5 5 5 6 6 6 7 9 9 9 9 9 9 11 14 15 19 20 21

CUM.

PERCENTAGE rp

14.29 14.29 7,516.81 7,516.81 9.52 23.81 0.31 7,517.12 0.00 23.81 0.00 7,517.12 0.00 23.81 0.00 7,517.12 4.76 28.57 350.00 7,867.12 0.00 28.57 0.00 7,867.12 0.00 28.57 0.00 7,867.12 4.76 33.33 1,000.00 8,867.12 9.52 42.86 8.21 8,875.33 0.00 42.86 0.00 8,875.33 0.00 42.86 0.00 8,875.33 0.00 42.86 0.00 8,875.33 0.00 42.86 0.00 8,875.33 0.00 42.86 0.00 8,875.33 9.52 52.38 43.51 8,918.84 14.29 66.67 293.63 9,212.47 4.76 71.43 159.00 9,371.47 19.05 90.48 106.83 9,478.30 4.76 95.24 2,019.60 11,497.90 4.76 100.00 119.38 11,617.28 11,617.28

BAND

64.70 0.00 0.00 0.00 3.01 0.00 0.00 8.61 0.07 0.00 0.00 0.00 0.00 0.00 0.37 2.53 1.37 0.92 17.38 1.03

CUM.

64.70 64.71 64.71 64.71 67.72 67.72 67.72 76.33 76.40 76.40 76.40 76.40 76.40 76.40 76.77 79.30 80.67 81.59 98.97 100.00

PERCENTAGE BAND

400.97 0.54 0.00 0.00 65.10 0.00 0.00 75.60 0.58 0.00 0.00 0.00 0.00 0.00 1.74 6.01 1.85 1.87 16.97 0.82

CUM

400.97 389.14 355.81 322.45 274.22 222.29 174.12 151.81 122.42 107.24 94.12 80.50 69.94 57.02 49.35 40.14 29.70 25.43 23.38 18.25 18.25

Page 144 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2004

15/12/2004

DATE

15/02/2005

Textiles

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

596 650 1.003 804 1.028 630 556 433 319 170 180 174 153 189 154 228 189 68 84 13 7.621

596 1.246 2.249 3.053 4.081 4.711 5.267 5.700 6.019 6.189 6.369 6.543 6.696 6.885 7.039 7.267 7.456 7.524 7.608 7.621

BAND

CUM.

7.82 7.82 8.53 16.35 13.16 29.51 10.55 40.06 13.49 53.55 8.27 61.82 7.30 69.11 5.68 74.79 4.19 78.98 2.23 81.21 2.36 83.57 2.28 85.85 2.01 87.86 2.48 90.34 2.02 92.36 2.99 95.35 2.48 97.83 0.89 98.73 1.10 99.83 0.17 100.00

PERCENTAGE rp

3,362.49 244.81 568.96 821.37 1,381.10 1,355.87 1,591.72 1,886.19 1,746.68 1,046.35 1,252.64 1,352.63 1,484.68 2,332.21 629.80 5,307.12 6,686.10 4,116.07 5,981.73 1,242.58 44,391.10

3,362.49 3,607.29 4,176.25 4,997.62 6,378.73 7,734.59 9,326.31 11,212.51 12,959.18 14,005.53 15,258.17 16,610.80 18,095.49 20,427.70 21,057.50 26,364.62 33,050.72 37,166.79 43,148.53 44,391.10

BAND

7.57 0.55 1.28 1.85 3.11 3.05 3.59 4.25 3.93 2.36 2.82 3.05 3.34 5.25 1.42 11.96 15.06 9.27 13.48 2.80

CUM.

7.57 8.13 9.41 11.26 14.37 17.42 21.01 25.26 29.19 31.55 34.37 37.42 40.76 46.02 47.44 59.39 74.45 83.73 97.20 100.00

PERCENTAGE f

6 0 0 0 0 0 3 3 1 0 0 4 1 0 3 5 6 0 6 0 38

BAND

6 6 6 6 6 6 9 12 13 13 13 17 18 18 21 26 32 32 38 38

CUM.

15.79 15.79 0.00 15.79 0.00 15.79 0.00 15.79 0.00 15.79 0.00 15.79 7.89 23.68 7.89 31.58 2.63 34.21 0.00 34.21 0.00 34.21 10.53 44.74 2.63 47.37 0.00 47.37 7.89 55.26 13.16 68.42 15.79 84.21 0.00 84.21 15.79 100.00 0.00 100.00

PERCENTAGE rp

1,076.01 0.00 0.00 0.00 0.00 0.00 1,300.01 437.10 50.00 0.00 0.00 50.53 1,640.00 0.00 85.63 96.81 1,725.30 0.00 1,188.63 0.00 7,650.03

1,076.01 1,076.01 1,076.01 1,076.01 1,076.01 1,076.01 2,376.02 2,813.12 2,863.12 2,863.12 2,863.12 2,913.66 4,553.66 4,553.66 4,639.29 4,736.10 6,461.40 6,461.40 7,650.03 7,650.03

BAND

14.07 0.00 0.00 0.00 0.00 0.00 16.99 5.71 0.65 0.00 0.00 0.66 21.44 0.00 1.12 1.27 22.55 0.00 15.54 0.00

CUM.

14.07 14.07 14.07 14.07 14.07 14.07 31.06 36.77 37.43 37.43 37.43 38.09 59.52 59.52 60.64 61.91 84.46 84.46 100.00 100.00

PERCENTAGE BAND

32.00 0.00 0.00 0.00 0.00 0.00 81.67 23.17 2.86 0.00 0.00 3.74 110.46 0.00 13.60 1.82 25.80 0.00 19.87 0.00

CUM

32.00 29.83 25.77 21.53 16.87 13.91 25.48 25.09 22.09 20.44 18.76 17.54 25.16 22.29 22.03 17.96 19.55 17.38 17.73 17.23 17.23

Page 145 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2004

15/12/2004

DATE

15/02/2005

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

331 356 578 404 614 354 345 340 262 128 123 135 138 148 122 161 143 68 46 15 4.811

331 687 1.265 1.669 2.283 2.637 2.982 3.322 3.584 3.712 3.835 3.970 4.108 4.256 4.378 4.539 4.682 4.750 4.796 4.811

BAND

CUM.

6.88 6.88 7.40 14.28 12.01 26.29 8.40 34.69 12.76 47.45 7.36 54.81 7.17 61.98 7.07 69.05 5.45 74.50 2.66 77.16 2.56 79.71 2.81 82.52 2.87 85.39 3.08 88.46 2.54 91.00 3.35 94.35 2.97 97.32 1.41 98.73 0.96 99.69 0.31 100.00

PERCENTAGE rp

3,333.69 243.70 424.49 450.36 1,223.53 850.09 1,335.03 1,593.55 1,462.12 834.54 1,060.97 1,599.27 1,869.92 2,234.89 2,312.05 7,493.58 7,546.93 5,001.06 6,887.30 2,827.17 50,584.25

3,333.69 3,577.39 4,001.88 4,452.24 5,675.77 6,525.86 7,860.89 9,454.45 10,916.57 11,751.11 12,812.08 14,411.36 16,281.27 18,516.16 20,828.22 28,321.79 35,868.72 40,869.78 47,757.08 50,584.25

BAND

6.59 0.48 0.84 0.89 2.42 1.68 2.64 3.15 2.89 1.65 2.10 3.16 3.70 4.42 4.57 14.81 14.92 9.89 13.62 5.59

CUM.

6.59 7.07 7.91 8.80 11.22 12.90 15.54 18.69 21.58 23.23 25.33 28.49 32.19 36.60 41.18 55.99 70.91 80.80 94.41 100.00

PERCENTAGE f

2 1 0 2 1 0 2 0 0 1 0 1 0 1 4 4 4 0 1 1 25

BAND

CUM.

PERCENTAGE rp

2 8.00 8.00 81.49 81.49 3 4.00 12.00 108.08 189.57 3 0.00 12.00 0.00 189.57 5 8.00 20.00 212.94 402.51 6 4.00 24.00 101.53 504.04 6 0.00 24.00 0.00 504.04 8 8.00 32.00 629.45 1,133.49 8 0.00 32.00 0.00 1,133.49 8 0.00 32.00 0.00 1,133.49 9 4.00 36.00 8.73 1,142.22 9 0.00 36.00 0.00 1,142.22 10 4.00 40.00 496.61 1,638.83 10 0.00 40.00 0.00 1,638.83 11 4.00 44.00 28.85 1,667.67 15 16.00 60.00 11,288.33 12,956.01 19 16.00 76.00 1,505.08 14,461.09 23 16.00 92.00 12,956.92 27,418.00 23 0.00 92.00 0.00 27,418.00 24 4.00 96.00 0.25 27,418.25 25 4.00 100.00 8.99 27,427.24 27,427.24

BAND

0.30 0.39 0.00 0.78 0.37 0.00 2.29 0.00 0.00 0.03 0.00 1.81 0.00 0.11 41.16 5.49 47.24 0.00 0.00 0.03

PERCENTAGE

CUM.

BAND

0.30 0.69 0.69 1.47 1.84 1.84 4.13 4.13 4.13 4.16 4.16 5.98 5.98 6.08 47.24 52.73 99.97 99.97 99.97 100.00

2.44 44.35 0.00 47.28 8.30 0.00 47.15 0.00 0.00 1.05 0.00 31.05 0.00 1.29 488.24 20.08 171.68 0.00 0.00 0.32

CUM

2.44 5.30 4.74 9.04 8.88 7.72 14.42 11.99 10.38 9.72 8.92 11.37 10.07 9.01 62.20 51.06 76.44 67.09 57.41 54.22 54.22

Page 146 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: 26

DATA POSITION FROM PROCESSING

01/01/2004

15/12/2004

DATE

15/02/2005

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

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

480 340 444 277 389 278 246 251 184 119 130 150 120 141 78 146 136 55 54 6 4.024

480 820 1.264 1.541 1.930 2.208 2.454 2.705 2.889 3.008 3.138 3.288 3.408 3.549 3.627 3.773 3.909 3.964 4.018 4.024

BAND

CUM.

PERCENTAGE rp

11.93 11.93 3,161.54 3,161.54 8.45 20.38 277.16 3,438.69 11.03 31.41 490.69 3,929.38 6.88 38.30 570.36 4,499.74 9.67 47.96 1,189.31 5,689.05 6.91 54.87 1,202.15 6,891.20 6.11 60.98 1,568.16 8,459.37 6.24 67.22 2,071.96 10,531.32 4.57 71.79 1,808.31 12,339.64 2.96 74.75 1,289.33 13,628.96 3.23 77.98 1,859.77 15,488.74 3.73 81.71 3,154.84 12,333.90 2.98 84.69 2,580.87 14,914.77 3.50 88.20 4,991.50 19,906.26 1.94 90.13 2,689.96 22,596.22 3.63 93.76 8,157.50 30,753.72 3.38 97.14 9,463.48 40,217.21 1.37 98.51 4,850.17 45,067.37 1.34 99.85 18,606.12 63,673.49 0.15 100.00 13,640.33 77,313.82 77,313.82

BAND

CUM.

4.09 4.09 0.36 4.45 0.63 5.08 0.74 5.82 1.54 7.36 1.55 8.91 2.03 10.94 2.68 13.62 2.34 15.96 1.67 17.63 2.41 20.03 4.08 15.95 3.34 19.29 6.46 25.75 3.48 29.23 10.55 39.78 12.24 52.02 6.27 58.29 24.07 82.36 17.64 100.00

PERCENTAGE f

6 0 0 0 0 1 1 0 1 0 0 5 3 4 0 2 1 1 1 0 26

BAND

6 6 6 6 6 7 8 8 9 9 9 14 17 21 21 23 24 25 26 26

CUM.

23.08 23.08 0.00 23.08 0.00 23.08 0.00 23.08 0.00 23.08 3.85 26.92 3.85 30.77 0.00 30.77 3.85 34.62 0.00 34.62 0.00 34.62 19.23 53.85 11.54 65.38 15.38 80.77 0.00 80.77 7.69 88.46 3.85 92.31 3.85 96.15 3.85 100.00 0.00 100.00

PERCENTAGE rp

4,126.30 4,126.30 0.00 4,126.30 0.00 4,126.30 0.00 4,126.30 0.00 4,126.30 98.19 4,224.49 531.72 4,756.21 0.00 4,756.21 33.31 4,789.53 0.00 4,789.53 0.00 4,789.53 486.46 5,275.98 474.48 5,750.46 538.92 6,289.38 0.00 6,289.38 3,550.14 9,839.52 1,000.00 10,839.52 5,000.00 15,839.52 2.97 15,842.49 0.00 15,842.49 15,842.49

BAND

CUM.

PERCENTAGE BAND

CUM

26.05 26.05 130.52 130.52 0.00 26.05 0.00 120.00 0.00 26.05 0.00 105.01 0.00 26.05 0.00 91.70 0.00 26.05 0.00 72.53 0.62 26.67 8.17 61.30 3.36 30.02 33.91 56.22 0.00 30.02 0.00 45.16 0.21 30.23 1.84 38.81 0.00 30.23 0.00 35.14 0.00 30.23 0.00 30.92 3.07 33.30 15.42 42.78 2.99 36.30 18.38 38.56 3.40 39.70 10.80 31.60 0.00 39.70 0.00 27.83 22.41 62.11 43.52 31.99 6.31 68.42 10.57 26.95 31.56 99.98 103.09 35.15 0.02 100.00 0.02 24.88 0.00 100.00 0.00 20.49 20.49

Page 147 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

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

1.266 889 1.106 775 853 483 411 466 311 210 146 224 143 237 140 281 198 67 43 15 8.264

1.266 2.155 3.261 4.036 4.889 5.372 5.783 6.249 6.560 6.770 6.916 7.140 7.283 7.520 7.660 7.941 8.139 8.206 8.249 8.264

BAND

CUM.

15.32 15.32 10.76 26.08 13.38 39.46 9.38 48.84 10.32 59.16 5.84 65.00 4.97 69.98 5.64 75.62 3.76 79.38 2.54 81.92 1.77 83.69 2.71 86.40 1.73 88.13 2.87 91.00 1.69 92.69 3.40 96.09 2.40 98.49 0.81 99.30 0.52 99.82 0.18 100.00

PERCENTAGE rp

1,845.37 223.56 490.99 475.27 961.10 775.61 919.53 1,333.56 1,164.55 974.90 696.91 1,228.41 1,330.60 2,644.24 1,549.34 4,219.59 8,889.96 5,245.21 4,260.54 1,861.16 41,090.39

1,845.37 2,068.93 2,559.92 3,035.19 3,996.28 4,771.89 5,691.43 7,024.99 8,189.54 9,164.44 9,861.35 11,089.76 12,420.36 15,064.59 16,613.93 20,833.52 29,723.48 34,968.69 39,229.22 41,090.39

BAND

4.49 0.54 1.19 1.16 2.34 1.89 2.24 3.25 2.83 2.37 1.70 2.99 3.24 6.44 3.77 10.27 21.64 12.77 10.37 4.53

CUM.

4.49 5.04 6.23 7.39 9.73 11.61 13.85 17.10 19.93 22.30 24.00 26.99 30.23 36.66 40.43 50.70 72.34 85.10 95.47 100.00

PERCENTAGE f

9 0 2 2 2 10 7 0 14 1 1 2 2 4 0 2 4 1 1 0 64

BAND

9 9 11 13 15 25 32 32 46 47 48 50 52 56 56 58 62 63 64 64

CUM.

14.06 14.06 0.00 14.06 3.13 17.19 3.13 20.31 3.13 23.44 15.63 39.06 10.94 50.00 0.00 50.00 21.88 71.88 1.56 73.44 1.56 75.00 3.13 78.13 3.13 81.25 6.25 87.50 0.00 87.50 3.13 90.63 6.25 96.88 1.56 98.44 1.56 100.00 0.00 100.00

PERCENTAGE rp

153.50 0.00 13.50 137.54 552.92 1,118.08 78.84 0.00 240.60 430.00 1,350.00 2,100.00 24.81 8,224.19 0.00 90.00 320.85 30.00 161.57 0.00 15,026.40

153.50 153.50 167.00 304.54 857.46 1,975.54 2,054.39 2,054.39 2,294.99 2,724.99 4,074.99 6,174.99 6,199.80 14,423.99 14,423.99 14,513.99 14,834.84 14,864.84 15,026.40 15,026.40

BAND

1.02 0.00 0.09 0.92 3.68 7.44 0.52 0.00 1.60 2.86 8.98 13.98 0.17 54.73 0.00 0.60 2.14 0.20 1.08 0.00

PERCENTAGE

CUM.

BAND

1.02 1.02 1.11 2.03 5.71 13.15 13.67 13.67 15.27 18.13 27.12 41.09 41.26 95.99 95.99 96.59 98.73 98.92 100.00 100.00

8.32 0.00 2.75 28.94 57.53 144.16 8.57 0.00 20.66 44.11 193.71 170.95 1.86 311.02 0.00 2.13 3.61 0.57 3.79 0.00

CUM

8.32 7.42 6.52 10.03 21.46 41.40 36.10 29.24 28.02 29.73 41.32 55.68 49.92 95.75 86.82 69.67 49.91 42.51 38.30 36.57 36.57

Page 148 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: 28

DATA POSITION FROM PROCESSING

01/01/2004

15/12/2004

DATE

15/02/2005

Power and Heating

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

6 4 7 1 7 6 9 12 3 2 2 5 2 5 4 8 3 7 11 1 105

6 10 17 18 25 31 40 52 55 57 59 64 66 71 75 83 86 93 104 105

BAND

CUM.

5.71 5.71 3.81 9.52 6.67 16.19 0.95 17.14 6.67 23.81 5.71 29.52 8.57 38.10 11.43 49.52 2.86 52.38 1.90 54.29 1.90 56.19 4.76 60.95 1.90 62.86 4.76 67.62 3.81 71.43 7.62 79.05 2.86 81.90 6.67 88.57 10.48 99.05 0.95 100.00

PERCENTAGE rp

16.28 0.33 11.12 2.27 6.91 5.08 43.65 48.68 3.77 7.57 3.81 15.82 9.72 33.93 49.81 159.68 396.12 409.20 638.88 7.01 1,869.64

16.28 16.61 27.74 30.01 36.92 41.99 85.65 134.33 138.10 145.67 149.48 165.30 175.02 208.95 258.76 418.44 814.55 1,223.75 1,862.63 1,869.64

BAND

0.87 0.02 0.59 0.12 0.37 0.27 2.33 2.60 0.20 0.40 0.20 0.85 0.52 1.81 2.66 8.54 21.19 21.89 34.17 0.38

CUM.

0.87 0.89 1.48 1.61 1.97 2.25 4.58 7.18 7.39 7.79 8.00 8.84 9.36 11.18 13.84 22.38 43.57 65.45 99.62 100.00

PERCENTAGE f

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

BAND

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

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 33.33 33.33 600.00 600.00 0.00 33.33 0.00 600.00 0.00 33.33 0.00 600.00 0.00 33.33 0.00 600.00 0.00 33.33 0.00 600.00 0.00 33.33 0.00 600.00 33.33 66.67 400.001,000.00 0.00 66.67 0.001,000.00 0.00 66.67 0.001,000.00 0.00 66.67 0.001,000.00 0.00 66.67 0.001,000.00 33.33 100.00 100.001,100.00 0.00 100.00 0.001,100.00 1,100.00

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 54.55 0.00 0.00 0.00 0.00 0.00 36.36 0.00 0.00 0.00 0.00 9.09 0.00

CUM.

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 54.55 1,232.42 54.55 0.00 54.55 0.00 54.55 0.00 54.55 0.00 54.55 0.00 90.91 1,178.99 90.91 0.00 90.91 0.00 90.91 0.00 90.91 0.00 100.00 15.65 100.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 446.66 434.47 411.89 401.39 362.97 342.81 478.58 386.46 238.98 122.77 81.72 59.06 58.83 58.83

Page 149 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: 29

01/01/2004

15/12/2004

DATE

15/02/2005

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

83.760 90.138 103.661 55.852 54.686 24.636 17.055 11.335 5.893 2.939 2.253 2.209 1.492 1.650 966 1.249 855 327 338 73 461.367

83.760 173.898 277.559 333.411 388.097 412.733 429.788 441.123 447.016 449.955 452.208 454.417 455.909 457.559 458.525 459.774 460.629 460.956 461.294 461.367

BAND

CUM.

18.15 18.15 19.54 37.69 22.47 60.16 12.11 72.27 11.85 84.12 5.34 89.46 3.70 93.16 2.46 95.61 1.28 96.89 0.64 97.53 0.49 98.01 0.48 98.49 0.32 98.82 0.36 99.17 0.21 99.38 0.27 99.65 0.19 99.84 0.07 99.91 0.07 99.98 0.02 100.00

PERCENTAGE rp

24,999.50 21,075.37 44,208.68 38,155.34 61,555.62 37,081.60 36,735.83 39,516.59 27,841.51 13,861.12 12,712.15 19,091.73 13,204.82 17,071.13 13,311.52 21,618.16 25,192.88 20,485.37 37,644.41 77,084.45

24,999.50 46,074.88 90,283.56 128,438.91 189,994.52 227,076.12 263,811.95 303,328.55 331,170.05 345,031.17 357,743.33 376,835.06 390,039.88 407,111.01 420,422.53 442,040.69 467,233.57 487,718.94 525,363.35 602,447.80

602,447.80

BAND

CUM.

4.15 4.15 3.50 7.65 7.34 14.99 6.33 21.32 10.22 31.54 6.16 37.69 6.10 43.79 6.56 50.35 4.62 54.97 2.30 57.27 2.11 59.38 3.17 62.55 2.19 64.74 2.83 67.58 2.21 69.79 3.59 73.37 4.18 77.56 3.40 80.96 6.25 87.20 12.80 100.00

PERCENTAGE f

48 52 67 31 37 14 14 15 13 9 5 8 6 9 9 10 10 7 15 67 446

CUM.

PERCENTAGE

PERCENTAGE BAND

CUM

23.90 18.12 14.39 10.05 6.57 11.36 8.82 4.94 23.57 25.84 0.38 24.39 8.26 6.35 14.92 56.73 9.87 41.81 41.85 62.38

23.90 21.25 17.89 15.56 12.65 12.44 11.93 11.02 12.08 12.63 12.19 12.81 12.66 12.39 12.47 14.64 14.38 15.53 17.42 23.17

BAND

48 100 167 198 235 249 263 278 291 300 305 313 319 328 337 347 357 364 379 446

10.76 10.76 5,973.93 5,973.93 4.28 4.28 11.66 22.42 3,818.54 9,792.47 2.74 7.01 15.02 37.44 6,360.23 16,152.70 4.56 11.57 6.95 44.39 3,832.83 19,985.53 2.75 14.32 8.30 52.69 4,043.89 24,029.41 2.90 17.21 3.14 55.83 4,212.15 28,241.56 3.02 20.23 3.14 58.97 3,238.99 31,480.56 2.32 22.55 3.36 62.33 1,950.14 33,430.70 1.40 23.95 2.91 65.25 6,561.39 39,992.09 4.70 28.65 2.02 67.26 3,581.89 43,573.98 2.57 31.21 1.12 68.39 48.50 43,622.48 0.03 31.25 1.79 70.18 4,656.56 48,279.04 3.34 34.58 1.35 71.52 1,090.66 49,369.70 0.78 35.37 2.02 73.54 1,084.29 50,453.99 0.78 36.14 2.02 75.56 1,986.50 52,440.49 1.42 37.57 2.24 77.80 12,262.95 64,703.44 8.78 46.35 2.24 80.04 2,486.28 67,189.72 1.78 48.13 1.57 81.61 8,564.78 75,754.50 6.14 54.27 3.36 84.98 15,753.87 91,508.37 11.29 65.55 15.02 100.00 48,088.08 139,596.45 34.45 100.00 139,596.45

BAND

CUM.

23.17

Page 150 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2004

15/12/2004

DATE

15/02/2005

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

10 13 7 12 16 19 11 11 10 6 5 5 7 5 3 8 4 1 2 0 155

10 23 30 42 58 77 88 99 109 115 120 125 132 137 140 148 152 153 155 155

BAND

CUM.

6.45 6.45 8.39 14.84 4.52 19.35 7.74 27.10 10.32 37.42 12.26 49.68 7.10 56.77 7.10 63.87 6.45 70.32 3.87 74.19 3.23 77.42 3.23 80.65 4.52 85.16 3.23 88.39 1.94 90.32 5.16 95.48 2.58 98.06 0.65 98.71 1.29 100.00 0.00 100.00

PERCENTAGE rp

3.45 4.54 5.49 25.84 69.48 72.57 71.23 83.33 111.48 57.40 69.85 114.39 91.16 420.30 130.48 671.73 346.49 371.69 974.93 0.00 3,695.83

3.45 7.99 13.49 39.32 108.80 181.37 252.60 335.93 447.41 504.80 574.65 689.04 780.20 1,200.50 1,330.99 2,002.71 2,349.21 2,720.90 3,695.83 3,695.83

BAND

0.09 0.12 0.15 0.70 1.88 1.96 1.93 2.25 3.02 1.55 1.89 3.10 2.47 11.37 3.53 18.18 9.38 10.06 26.38 0.00

CUM.

0.09 0.22 0.36 1.06 2.94 4.91 6.83 9.09 12.11 13.66 15.55 18.64 21.11 32.48 36.01 54.19 63.56 73.62 100.00 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6 0 6

BAND

6 6

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 0.00 100.00 100.00 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 0.00 0.00 0.00 235.04 0.00 235.04

BAND

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 0.00 235.04 235.04

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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

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 24.11 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 6.36 6.36 6.36

Page 151 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2004

15/12/2004

DATE

15/02/2005

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

28 8 17 8 13 15 20 25 7 12 5 16 2 9 11 36 58 23 6 1 320

28 36 53 61 74 89 109 134 141 153 158 174 176 185 196 232 290 313 319 320

BAND

CUM.

8.75 8.75 2.50 11.25 5.31 16.56 2.50 19.06 4.06 23.13 4.69 27.81 6.25 34.06 7.81 41.88 2.19 44.06 3.75 47.81 1.56 49.38 5.00 54.38 0.63 55.00 2.81 57.81 3.44 61.25 11.25 72.50 18.13 90.63 7.19 97.81 1.88 99.69 0.31 100.00

PERCENTAGE rp

1,174.39 6.73 8.37 11.36 22.81 34.77 74.83 133.81 424.04 118.54 187.29 1,359.88 22.89 1,050.08 119.91 2,481.65 3,750.87 1,610.63 595.08 70.76

1,174.39 1,181.12 1,189.48 1,200.84 1,223.65 1,258.42 1,333.25 1,467.06 1,891.10 2,009.64 2,196.92 3,556.80 3,579.69 4,629.77 4,749.67 7,231.32 10,982.20 12,592.83 13,187.91 13,258.67

13,258.67

BAND

8.86 0.05 0.06 0.09 0.17 0.26 0.56 1.01 3.20 0.89 1.41 10.26 0.17 7.92 0.90 18.72 28.29 12.15 4.49 0.53

CUM.

8.86 8.91 8.97 9.06 9.23 9.49 10.06 11.06 14.26 15.16 16.57 26.83 27.00 34.92 35.82 54.54 82.83 94.98 99.47 100.00

PERCENTAGE f

2 0 0 0 0 1 0 1 3 0 1 46 0 11 0 0 0 2 0 0 67

BAND

2 2 2 2 2 3 3 4 7 7 8 54 54 65 65 65 65 67 67 67

CUM.

2.99 2.99 0.00 2.99 0.00 2.99 0.00 2.99 0.00 2.99 1.49 4.48 0.00 4.48 1.49 5.97 4.48 10.45 0.00 10.45 1.49 11.94 68.66 80.60 0.00 80.60 16.42 97.01 0.00 97.01 0.00 97.01 0.00 97.01 2.99 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

24.75 0.00 0.00 0.00 0.00 56.46 0.00 81.12 129.21 0.00 279.85 986.95 0.00 192.23 0.00 0.00 0.00 186.34 0.00 0.00 1,936.90

24.75 24.75 24.75 24.75 24.75 81.21 81.21 162.32 291.54 291.54 571.38 1,558.33 1,558.33 1,750.56 1,750.56 1,750.56 1,750.56 1,936.90 1,936.90 1,936.90

BAND

1.28 0.00 0.00 0.00 0.00 2.91 0.00 4.19 6.67 0.00 14.45 50.96 0.00 9.92 0.00 0.00 0.00 9.62 0.00 0.00

PERCENTAGE

CUM.

BAND

1.28 1.28 1.28 1.28 1.28 4.19 4.19 8.38 15.05 15.05 29.50 80.45 80.45 90.38 90.38 90.38 90.38 100.00 100.00 100.00

2.11 0.00 0.00 0.00 0.00 162.38 0.00 60.62 30.47 0.00 149.42 72.58 0.00 18.31 0.00 0.00 0.00 11.57 0.00 0.00

CUM

2.11 2.10 2.08 2.06 2.02 6.45 6.09 11.06 15.42 14.51 26.01 43.81 43.53 37.81 36.86 24.21 15.94 15.38 14.69 14.61 14.61

Page 152 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: 32

DATA POSITION FROM

01/01/2004

15/12/2004

DATE

15/02/2005

PROCESSING

Recreation Place

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 10 4 0 3 1 7 6 4 4 2 6 6 9 8 9 7 1 6 0 95

BAND

2 12 16 16 19 20 27 33 37 41 43 49 55 64 72 81 88 89 95 95

CUM.

2.11 2.11 10.53 12.63 4.21 16.84 0.00 16.84 3.16 20.00 1.05 21.05 7.37 28.42 6.32 34.74 4.21 38.95 4.21 43.16 2.11 45.26 6.32 51.58 6.32 57.89 9.47 67.37 8.42 75.79 9.47 85.26 7.37 92.63 1.05 93.68 6.32 100.00 0.00 100.00

PERCENTAGE rp

4.07 42.98 21.36 0.00 3.03 2.64 23.53 25.40 25.52 36.99 25.46 69.36 166.50 217.81 174.52 287.82 681.51 330.74 3,677.14 0.00 5,816.39

4.07 47.05 68.41 68.41 71.44 74.08 97.61 123.01 148.54 185.53 210.99 280.35 446.85 664.66 839.18 1,127.00 1,808.52 2,139.25 5,816.39 5,816.39

BAND

0.07 0.74 0.37 0.00 0.05 0.05 0.40 0.44 0.44 0.64 0.44 1.19 2.86 3.74 3.00 4.95 11.72 5.69 63.22 0.00

CUM.

0.07 0.81 1.18 1.18 1.23 1.27 1.68 2.11 2.55 3.19 3.63 4.82 7.68 11.43 14.43 19.38 31.09 36.78 100.00 100.00

PERCENTAGE f

0 1 0 0 0 0 0 0 0 1 0 1 2 0 0 1 0 0 3 0 9

BAND

0 1 1 1 1 1 1 1 1 2 2 3 5 5 5 6 6 6 9 9

CUM.

0.00 0.00 11.11 11.11 0.00 11.11 0.00 11.11 0.00 11.11 0.00 11.11 0.00 11.11 0.00 11.11 0.00 11.11 11.11 22.22 0.00 22.22 11.11 33.33 22.22 55.56 0.00 55.56 0.00 55.56 11.11 66.67 0.00 66.67 0.00 66.67 33.33 100.00 0.00 100.00

PERCENTAGE rp

0.00 51.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.77 0.00 29.65 57.18 0.00 0.00 38.02 0.00 0.00 68.44 0.00 254.81

0.00 51.75 51.75 51.75 51.75 51.75 51.75 51.75 51.75 61.52 61.52 91.17 148.35 148.35 148.35 186.37 186.37 186.37 254.81 254.81

BAND

0.00 20.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.83 0.00 11.63 22.44 0.00 0.00 14.92 0.00 0.00 26.86 0.00

PERCENTAGE

CUM.

BAND

0.00 20.31 20.31 20.31 20.31 20.31 20.31 20.31 20.31 24.14 24.14 35.78 58.22 58.22 58.22 73.14 73.14 73.14 100.00 100.00

0.00 120.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 26.41 0.00 42.74 34.34 0.00 0.00 13.21 0.00 0.00 1.86 0.00

CUM

0.00 110.01 75.65 75.65 72.44 69.86 53.02 42.07 34.84 33.16 29.16 32.52 33.20 22.32 17.68 16.54 10.31 8.71 4.38 4.38 4.38

Page 153 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

OCCUPATION CODE

: 40

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

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

10 2 1 0 0 1 1 0 1 0 0 0 1 0 1 1 2 1 1 0 23

BAND

10 12 13 13 13 14 15 15 16 16 16 16 17 17 18 19 21 22 23 23

CUM.

43.48 43.48 8.70 52.17 4.35 56.52 0.00 56.52 0.00 56.52 4.35 60.87 4.35 65.22 0.00 65.22 4.35 69.57 0.00 69.57 0.00 69.57 0.00 69.57 4.35 73.91 0.00 73.91 4.35 78.26 4.35 82.61 8.70 91.30 4.35 95.65 4.35 100.00 0.00 100.00

PERCENTAGE rp

1.70 1.52 1.17 0.00 0.00 3.90 4.52 0.00 5.30 0.00 0.00 0.00 11.67 0.00 46.48 38.68 126.60 125.80 70.58 0.00 437.91

1.70 3.22 4.39 4.39 4.39 8.29 12.81 12.81 18.11 18.11 18.11 18.11 29.78 29.78 76.25 114.93 241.53 367.33 437.91 437.91

BAND

0.39 0.35 0.27 0.00 0.00 0.89 1.03 0.00 1.21 0.00 0.00 0.00 2.66 0.00 10.61 8.83 28.91 28.73 16.12 0.00

CUM.

0.39 0.74 1.00 1.00 1.00 1.89 2.92 2.92 4.14 4.14 4.14 4.14 6.80 6.80 17.41 26.24 55.15 83.88 100.00 100.00

PERCENTAGE f

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

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 98.80 0.00 0.00 98.80

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 0.00 0.00 98.80 98.80 98.80

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 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

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 78.54 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 26.90 22.56 22.56 22.56

Page 154 of 180

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 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 01

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

NANGROE ACEH DARUSSALAM

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

292 611 538 238 177 77 36 30 12 3 2 13 3 11 3 9 15 6 6 1 2.083

292 903 1.441 1.679 1.856 1.933 1.969 1.999 2.011 2.014 2.016 2.029 2.032 2.043 2.046 2.055 2.070 2.076 2.082 2.083

BAND

CUM.

14.02 14.02 29.33 43.35 25.83 69.18 11.43 80.60 8.50 89.10 3.70 92.80 1.73 94.53 1.44 95.97 0.58 96.54 0.14 96.69 0.10 96.78 0.62 97.41 0.14 97.55 0.53 98.08 0.14 98.22 0.43 98.66 0.72 99.38 0.29 99.66 0.29 99.95 0.05 100.00

PERCENTAGE rp

84.32 295.92 447.41 316.60 330.63 182.36 142.16 218.32 63.19 15.00 32.56 136.00 15.16 677.54 54.89 236.69 808.23 55.19 630.07 929.26 5,671.49

84.32 380.23 827.64 1,144.24 1,474.87 1,657.23 1,799.39 2,017.70 2,080.89 2,095.89 2,128.45 2,264.45 2,279.61 2,957.15 3,012.04 3,248.74 4,056.96 4,112.15 4,742.22 5,671.49

BAND

1.49 5.22 7.89 5.58 5.83 3.22 2.51 3.85 1.11 0.26 0.57 2.40 0.27 11.95 0.97 4.17 14.25 0.97 11.11 16.38

CUM.

1.49 6.70 14.59 20.18 26.00 29.22 31.73 35.58 36.69 36.95 37.53 39.93 40.19 52.14 53.11 57.28 71.53 72.51 83.62 100.00

PERCENTAGE f

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 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 .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 0.00

Page 155 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 02

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

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

5.704 6.730 8.767 4.359 3.772 1.440 992 654 352 191 137 195 145 146 102 179 132 52 20 4 34.073

5.704 12.434 21.201 25.560 29.332 30.772 31.764 32.418 32.770 32.961 33.098 33.293 33.438 33.584 33.686 33.865 33.997 34.049 34.069 34.073

BAND

CUM.

16.74 16.74 19.75 36.49 25.73 62.22 12.79 75.02 11.07 86.09 4.23 90.31 2.91 93.22 1.92 95.14 1.03 96.18 0.56 96.74 0.40 97.14 0.57 97.71 0.43 98.14 0.43 98.56 0.30 98.86 0.53 99.39 0.39 99.78 0.15 99.93 0.06 99.99 0.01 100.00

PERCENTAGE rp

BAND

CUM.

1,334.98 1,544.87 3,837.74 3,178.30 4,528.31 2,470.25 2,630.10 2,348.83 1,929.35 1,012.28 1,653.07 1,780.68 1,444.96 2,503.97 1,997.44 5,601.14 9,163.01 3,702.96 4,038.56 299.95

1,334.98 2,879.86 6,717.60 9,895.91 14,424.22 16,894.47 19,524.57 21,873.39 23,802.74 24,815.02 26,468.09 28,248.77 29,693.73 32,197.70 34,195.14 39,796.28 48,959.28 52,662.25 56,700.81 57,000.76

2.34 2.71 6.73 5.58 7.94 4.33 4.61 4.12 3.38 1.78 2.90 3.12 2.53 4.39 3.50 9.83 16.08 6.50 7.09 0.53

2.34 5.05 11.79 17.36 25.31 29.64 34.25 38.37 41.76 43.53 46.43 49.56 52.09 56.49 59.99 69.82 85.89 92.39 99.47 100.00

57,000.76

PERCENTAGE f

2 1 2 1 3 3 2 1 2 1 2 4 2 1 2 1 30

BAND

CUM.

2 3 5 6 9 12 14 15 17 18 18 20 24 26 27 29 29 29 29 30

6.67 3.33 6.67 3.33 10.00 10.00 6.67 3.33 6.67 3.33 0.00 6.67 13.33 6.67 3.33 6.67 0.00 0.00 0.00 3.33

6.67 10.00 16.67 20.00 30.00 40.00 46.67 50.00 56.67 60.00 60.00 66.67 80.00 86.67 90.00 96.67 96.67 96.67 96.67 100.00

PERCENTAGE rp

108.25 1,026.41 93.22 3.00 450.50 1,766.31 12.90 15.00 1,348.97 430.00 0.00 7.59 225.74 37.15 16.85 3,550.14 0.00 0.00 0.00 8.99 9,101.02

108.25 1,134.66 1,227.88 1,230.88 1,681.38 3,447.69 3,460.59 3,475.59 4,824.56 5,254.56 5,254.56 5,262.15 5,487.89 5,525.04 5,541.89 9,092.03 9,092.03 9,092.03 9,092.03 9,101.02

BAND

CUM.

1.19 1.19 11.28 12.47 1.02 13.49 0.03 13.52 4.95 18.47 19.41 37.88 0.14 38.02 0.16 38.19 14.82 53.01 4.72 57.74 0.00 57.74 0.08 57.82 2.48 60.30 0.41 60.71 0.19 60.89 39.01 99.90 0.00 99.90 0.00 99.90 0.00 99.90 0.10 100.00

PERCENTAGE BAND

8.11 66.44 2.43 0.09 9.95 71.50 0.49 0.64 69.92 42.48 0.00 0.43 15.62 1.48 0.84 63.38 0.00 0.00 0.00 3.00

CUM

8.11 39.40 18.28 12.44 11.66 20.41 17.72 15.89 20.27 21.17 19.85 18.63 18.48 17.16 16.21 22.85 18.57 17.26 16.04 15.97 15.97

Page 156 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 03

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

SUMATERA 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

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

2.612 3.220 2.960 1.386 1.167 446 351 175 90 43 28 38 20 16 11 27 18 11 3 12.622

2.612 5.832 8.792 10.178 11.345 11.791 12.142 12.317 12.407 12.450 12.478 12.516 12.536 12.552 12.563 12.590 12.608 12.619 12.622 12.622

BAND

CUM.

20.69 20.69 25.51 46.21 23.45 69.66 10.98 80.64 9.25 89.88 3.53 93.42 2.78 96.20 1.39 97.58 0.71 98.30 0.34 98.64 0.22 98.86 0.30 99.16 0.16 99.32 0.13 99.45 0.09 99.53 0.21 99.75 0.14 99.89 0.09 99.98 0.02 100.00 0.00 100.00

PERCENTAGE rp

284.54 573.85 925.48 830.02 1,331.08 763.56 860.79 623.88 315.52 220.79 165.06 306.39 211.29 187.30 129.60 675.74 970.38 1,993.60 506.26 0.00

284.54 858.39 1,783.87 2,613.88 3,944.97 4,708.53 5,569.31 6,193.19 6,508.71 6,729.49 6,894.56 7,200.95 7,412.23 7,599.53 7,729.14 8,404.87 9,375.26 11,368.86 11,875.12 11,875.12

11,875.12

BAND

2.40 4.83 7.79 6.99 11.21 6.43 7.25 5.25 2.66 1.86 1.39 2.58 1.78 1.58 1.09 5.69 8.17 16.79 4.26 0.00

CUM.

2.40 7.23 15.02 22.01 33.22 39.65 46.90 52.15 54.81 56.67 58.06 60.64 62.42 64.00 65.09 70.78 78.95 95.74 100.00 100.00

PERCENTAGE f

1 2 1 1 3 1 1 1 1 2 14

BAND

CUM.

1 3 4 5 8 8 9 10 10 10 11 11 11 11 11 11 12 14 14 14

7.14 7.14 14.29 21.43 7.14 28.57 7.14 35.71 21.43 57.14 0.00 57.14 7.14 64.29 7.14 71.43 0.00 71.43 0.00 71.43 7.14 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 7.14 85.71 14.29 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

39.50 108.40 70.00 28.66 950.00 0.00 345.00 81.12 0.00 0.00 279.85 0.00 0.00 0.00 0.00 0.00 7.14 265.43 0.00 0.00 2,175.08

39.50 147.90 217.90 246.55 1,196.55 1,196.55 1,541.55 1,622.67 1,622.67 1,622.67 1,902.52 1,902.52 1,902.52 1,902.52 1,902.52 1,902.52 1,909.66 2,175.08 2,175.08 2,175.08

BAND

CUM.

1.82 1.82 4.98 6.80 3.22 10.02 1.32 11.34 43.68 55.01 0.00 55.01 15.86 70.87 3.73 74.60 0.00 74.60 0.00 74.60 12.87 87.47 0.00 87.47 0.00 87.47 0.00 87.47 0.00 87.47 0.00 87.47 0.33 87.80 12.20 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

13.88 18.89 7.56 3.45 71.37 0.00 40.08 13.00 0.00 0.00 169.54 0.00 0.00 0.00 0.00 0.00 0.74 13.31 0.00 0.00

CUM

13.88 17.23 12.21 9.43 30.33 25.41 27.68 26.20 24.93 24.11 27.59 26.42 25.67 25.03 24.61 22.64 20.37 19.13 18.32 18.32 18.32

Page 157 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 04

DATA POSITION FROM TO PROCESSING

DATE

01/01/200

15/12/200

15/02/200

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

2.796 3.882 4.945 2.622 2.121 805 570 362 200 96 70 86 51 87 41 88 87 48 38 5 19.000

2.796 6.678 11.623 14.245 16.366 17.171 17.741 18.103 18.303 18.399 18.469 18.555 18.606 18.693 18.734 18.822 18.909 18.957 18.995 19.000

BAND

CUM.

14.72 14.72 20.43 35.15 26.03 61.17 13.80 74.97 11.16 86.14 4.24 90.37 3.00 93.37 1.91 95.28 1.05 96.33 0.51 96.84 0.37 97.21 0.45 97.66 0.27 97.93 0.46 98.38 0.22 98.60 0.46 99.06 0.46 99.52 0.25 99.77 0.20 99.97 0.03 100.00

PERCENTAGE rp

2,197.74 886.87 2,482.58 2,586.27 3,497.28 1,804.22 1,786.92 1,427.16 994.86 632.35 581.02 609.93 499.55 1,275.75 621.00 1,904.25 3,108.00 3,505.91 4,298.92 854.27

2,197.74 3,084.61 5,567.19 8,153.46 11,650.74 13,454.96 15,241.88 16,669.04 17,663.90 18,296.25 18,877.27 19,487.20 19,986.74 21,262.49 21,883.49 23,787.74 26,895.74 30,401.65 34,700.57 35,554.84

35,554.84

BAND

6.18 2.49 6.98 7.27 9.84 5.07 5.03 4.01 2.80 1.78 1.63 1.72 1.41 3.59 1.75 5.36 8.74 9.86 12.09 2.40

CUM.

6.18 8.68 15.66 22.93 32.77 37.84 42.87 46.88 49.68 51.46 53.09 54.81 56.21 59.80 61.55 66.90 75.65 85.51 97.60 100.00

PERCENTAGE f

3 2 2 3 2 1 2 1 1 1 2 2 22

BAND

CUM.

3 5 7 7 10 12 12 12 13 15 15 15 15 16 17 18 20 22 22 22

13.64 9.09 9.09 0.00 13.64 9.09 0.00 0.00 4.55 9.09 0.00 0.00 0.00 4.55 4.55 4.55 9.09 9.09 0.00 0.00

13.64 22.73 31.82 31.82 45.45 54.55 54.55 54.55 59.09 68.18 68.18 68.18 68.18 72.73 77.27 81.82 90.91 100.00 100.00 100.00

PERCENTAGE rp

28.08 31.99 188.15 0.00 185.85 59.52 0.00 0.00 13.00 101.60 0.00 0.00 0.00 1.49 42.61 500.00 288.72 150.30 0.00 0.00 1,591.31

28.08 60.07 248.22 248.22 434.07 493.60 493.60 493.60 506.60 608.20 608.20 608.20 608.20 609.69 652.29 1,152.29 1,441.01 1,591.31 1,591.31 1,591.31

BAND

PERCENTAGE

CUM.

1.76 1.76 2.01 3.77 11.82 15.60 0.00 15.60 11.68 27.28 3.74 31.02 0.00 31.02 0.00 31.02 0.82 31.84 6.38 38.22 0.00 38.22 0.00 38.22 0.00 38.22 0.09 38.31 2.68 40.99 31.42 72.41 18.14 90.55 9.45 100.00 0.00 100.00 0.00 100.00

BAND

CUM

1.28 3.61 7.58 0.00 5.31 3.30 0.00 0.00 1.31 16.07 0.00 0.00 0.00 0.12 6.86 26.26 9.29 4.29 0.00 0.00

1.28 1.95 4.46 3.04 3.73 3.67 3.24 2.96 2.87 3.32 3.22 3.12 3.04 2.87 2.98 4.84 5.36 5.23 4.59 4.48 4.48

Page 158 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 05

DATA POSITION FROM TO PROCESSING

DATE

01/01/200

15/12/200

15/02/200

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

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

1.821 1.208 1.193 543 446 168 114 70 41 17 17 15 7 14 3 15 14 8 1 1

1.821 3.029 4.222 4.765 5.211 5.379 5.493 5.563 5.604 5.621 5.638 5.653 5.660 5.674 5.677 5.692 5.706 5.714 5.715 5.716

5.716

BAND

CUM.

31.86 31.86 21.13 52.99 20.87 73.86 9.50 83.36 7.80 91.17 2.94 94.10 1.99 96.10 1.22 97.32 0.72 98.04 0.30 98.34 0.30 98.64 0.26 98.90 0.12 99.02 0.24 99.27 0.05 99.32 0.26 99.58 0.24 99.83 0.14 99.97 0.02 99.98 0.02 100.00

PERCENTAGE rp

348.84 418.80 719.88 512.92 698.06 361.59 337.64 316.21 170.77 117.56 144.28 203.01 89.83 251.09 40.04 717.19 1,148.54 1,193.20 215.42 0.72 8,005.59

348.84 767.64 1,487.52 2,000.44 2,698.50 3,060.09 3,397.73 3,713.94 3,884.71 4,002.26 4,146.54 4,349.55 4,439.38 4,690.48 4,730.52 5,447.71 6,596.25 7,789.45 8,004.87 8,005.59

BAND

4.36 5.23 8.99 6.41 8.72 4.52 4.22 3.95 2.13 1.47 1.80 2.54 1.12 3.14 0.50 8.96 14.35 14.90 2.69 0.01

CUM.

4.36 9.59 18.58 24.99 33.71 38.22 42.44 46.39 48.52 49.99 51.80 54.33 55.45 58.59 59.09 68.05 82.40 97.30 99.99 100.00

PERCENTAGE f

1 1 1 3

BAND

1 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 3 3 3

CUM.

0.00 0.00 33.33 33.33 33.33 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 33.33 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

0.00 0.00 200.00 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 47.07 0.00 0.00 247.07

0.00 0.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 247.07 247.07 247.07

BAND

CUM.

0.00 0.00 0.00 0.00 80.95 80.95 0.00 80.95 0.00 80.95 0.00 80.95 0.00 80.95 0.00 80.95 0.00 80.95 0.00 80.95 0.00 80.95 0.00 80.95 0.00 80.95 0.00 80.95 0.00 80.95 0.00 80.95 0.00 80.95 19.05 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

CUM

0.00 0.00 27.78 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 3.94 0.00 0.00

0.00 0.00 13.45 10.00 7.41 6.54 5.89 5.39 5.15 5.00 4.82 4.60 4.51 4.26 4.23 3.67 3.03 3.17 3.09 3.09 3.09

Page 159 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 06

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

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

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

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

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

3.395 2.757 3.223 1.512 1.228 549 375 259 142 72 51 43 38 41 26 41 22 27 5 3 13.809

3.395 6.152 9.375 10.887 12.115 12.664 13.039 13.298 13.440 13.512 13.563 13.606 13.644 13.685 13.711 13.752 13.774 13.801 13.806 13.809

BAND

CUM.

24.59 24.59 19.97 44.55 23.34 67.89 10.95 78.84 8.89 87.73 3.98 91.71 2.72 94.42 1.88 96.30 1.03 97.33 0.52 97.85 0.37 98.22 0.31 98.53 0.28 98.81 0.30 99.10 0.19 99.29 0.30 99.59 0.16 99.75 0.20 99.94 0.04 99.98 0.02 100.00

PERCENTAGE rp

BAND

CUM.

925.42 618.00 1,621.09 1,267.67 1,727.28 1,064.06 1,142.52 967.32 746.94 339.83 328.16 256.67 316.94 862.51 318.27 1,180.87 834.17 1,618.80 711.90 422.36

925.42 1,543.42 3,164.51 4,432.18 6,159.47 7,223.53 8,366.04 9,333.37 10,080.30 10,420.13 10,748.28 11,004.96 11,321.90 12,184.41 12,502.68 13,683.55 14,517.72 16,136.52 16,848.42 17,270.78

5.36 3.58 9.39 7.34 10.00 6.16 6.62 5.60 4.32 1.97 1.90 1.49 1.84 4.99 1.84 6.84 4.83 9.37 4.12 2.45

5.36 8.94 18.32 25.66 35.66 41.83 48.44 54.04 58.37 60.33 62.23 63.72 65.56 70.55 72.39 79.23 84.06 93.43 97.55 100.00

17,270.78

PERCENTAGE f

2 2 1 1 1 1 8

2 2 4 4 5 5 5 5 5 6 6 6 6 6 6 7 7 8 8

BAND

CUM.

PERCENTAGE rp

0.00 0.00 0.00 25.00 25.00 102.81 0.00 25.00 0.00 25.00 50.00 320.00 0.00 50.00 0.00 12.50 62.50 503.05 0.00 62.50 0.00 0.00 62.50 0.00 0.00 62.50 0.00 0.00 62.50 0.00 12.50 75.00 1.09 0.00 75.00 0.00 0.00 75.00 0.00 0.00 75.00 0.00 0.00 75.00 0.00 0.00 75.00 0.00 12.50 87.50 1,280.00 0.00 87.50 0.00 12.50 100.00 50.00 0.00 100.00 0.00 2,256.96

0.00 102.81 102.81 422.81 422.81 925.86 925.86 925.86 925.86 925.86 926.96 926.96 926.96 926.96 926.96 926.96 2,206.96 2,206.96 2,256.96 2,256.96

BAND

CUM.

0.00 0.00 4.56 4.56 0.00 4.56 14.18 18.73 0.00 18.73 22.29 41.02 0.00 41.02 0.00 41.02 0.00 41.02 0.00 41.02 0.05 41.07 0.00 41.07 0.00 41.07 0.00 41.07 0.00 41.07 0.00 41.07 56.71 97.78 0.00 97.78 2.22 100.00 0.00 100.00

PERCENTAGE BAND

CUM

0.00 16.64 0.00 25.24 0.00 47.28 0.00 0.00 0.00 0.00 0.33 0.00 0.00 0.00 0.00 0.00 153.45 0.00 7.02 0.00

0.00 6.66 3.25 9.54 6.86 12.82 11.07 9.92 9.18 8.89 8.62 8.42 8.19 7.61 7.41 6.77 15.20 13.68 13.40 13.07 13.07

Page 160 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 07

DATA POSITION FROM TO PROCESSING

DATE

01/01/200

15/12/200

15/02/200

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

610 565 432 146 132 53 30 21 11 3 1 5 0 1 1 5 7 0 0 0 2.023

610 1.175 1.607 1.753 1.885 1.938 1.968 1.989 2.000 2.003 2.004 2.009 2.009 2.010 2.011 2.016 2.023 2.023 2.023 2.023

BAND

30.15 27.93 21.35 7.22 6.52 2.62 1.48 1.04 0.54 0.15 0.05 0.25 0.00 0.05 0.05 0.25 0.35 0.00 0.00 0.00

CUM.

30.15 58.08 79.44 86.65 93.18 95.80 97.28 98.32 98.86 99.01 99.06 99.31 99.31 99.36 99.41 99.65 100.00 100.00 100.00 100.00

PERCENTAGE rp

64.93 166.35 263.94 160.46 249.79 136.41 81.23 51.13 49.62 10.60 4.20 29.41 0.00 13.80 5.30 89.71 402.47 0.00 0.00 0.00 1,779.36

64.93 231.28 495.22 655.68 905.48 1,041.88 1,123.11 1,174.25 1,223.87 1,234.47 1,238.67 1,268.08 1,268.08 1,281.89 1,287.18 1,376.89 1,779.36 1,779.36 1,779.36 1,779.36

BAND

3.65 9.35 14.83 9.02 14.04 7.67 4.57 2.87 2.79 0.60 0.24 1.65 0.00 0.78 0.30 5.04 22.62 0.00 0.00 0.00

CUM.

3.65 13.00 27.83 36.85 50.89 58.55 63.12 65.99 68.78 69.38 69.61 71.27 71.27 72.04 72.34 77.38 100.00 100.00 100.00 100.00

PERCENTAGE f

1 1

BAND

CUM.

0.00 0.00 0.00 0.00 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 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 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 63.42 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 63.42 100.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00 63.42 0.00 100.00

63.42

BAND

CUM.

PERCENTAGE BAND

0.00 0.00 0.00 39.53 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 9.67 7.00 6.09 5.65 5.40 5.18 5.14 5.12 5.00 5.00 4.95 4.93 4.61 3.56 3.56 3.56 3.56 3.56

Page 161 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 08

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

LAMPUNG

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

1.742 1.958 1.868 890 903 357 263 175 103 62 41 41 44 40 28 48 29 18 16 3

1.742 3.700 5.568 6.458 7.361 7.718 7.981 8.156 8.259 8.321 8.362 8.403 8.447 8.487 8.515 8.563 8.592 8.610 8.626 8.629

8.629

BAND

CUM.

20.19 20.19 22.69 42.88 21.65 64.53 10.31 74.84 10.46 85.31 4.14 89.44 3.05 92.49 2.03 94.52 1.19 95.71 0.72 96.43 0.48 96.91 0.48 97.38 0.51 97.89 0.46 98.35 0.32 98.68 0.56 99.24 0.34 99.57 0.21 99.78 0.19 99.97 0.03 100.00

PERCENTAGE rp

256.08 407.27 1,441.37 671.40 1,099.84 624.07 674.90 694.83 547.01 367.15 241.91 569.88 315.54 471.49 437.18 1,011.27 886.70 1,105.95 1,118.61 76.13

256.08 663.36 2,104.73 2,776.12 3,875.96 4,500.03 5,174.93 5,869.76 6,416.77 6,783.92 7,025.83 7,595.71 7,911.24 8,382.73 8,819.91 9,831.18 10,717.88 11,823.83 12,942.44 13,018.57

13,018.57

BAND

1.97 3.13 11.07 5.16 8.45 4.79 5.18 5.34 4.20 2.82 1.86 4.38 2.42 3.62 3.36 7.77 6.81 8.50 8.59 0.58

CUM.

1.97 5.10 16.17 21.32 29.77 34.57 39.75 45.09 49.29 52.11 53.97 58.35 60.77 64.39 67.75 75.52 82.33 90.82 99.42 100.00

PERCENTAGE f

1 2 1 1 1 2 1 1 1 11

PERCENTAGE

BAND

CUM.

BAND

CUM.

BAND

1 1 3 3 3 3 4 4 5 5 6 8 9 9 9 10 11 11 11 11

9.09 0.00 18.18 0.00 0.00 0.00 9.09 0.00 9.09 0.00 9.09 18.18 9.09 0.00 0.00 9.09 9.09 0.00 0.00 0.00

9.09 9.09 27.27 27.27 27.27 27.27 36.36 36.36 45.45 45.45 54.55 72.73 81.82 81.82 81.82 90.91 100.00 100.00 100.00 100.00

50.00 0.00 91.56 0.00 0.00 0.00 8.50 0.00 203.44 0.00 1,350.00 2,100.00 6.70 0.00 0.00 5.00 2.92 0.00 0.00 0.00

50.00 50.00 141.56 141.56 141.56 141.56 150.06 150.06 353.50 353.50 1,703.50 3,803.50 3,810.20 3,810.20 3,810.20 3,815.20 3,818.12 3,818.12 3,818.12 3,818.12

1.31 0.00 2.40 0.00 0.00 0.00 0.22 0.00 5.33 0.00 35.36 55.00 0.18 0.00 0.00 0.13 0.08 0.00 0.00 0.00

1.31 1.31 3.71 3.71 3.71 3.71 3.93 3.93 9.26 9.26 44.62 99.62 99.79 99.79 99.79 99.92 100.00 100.00 100.00 100.00

19.52 0.00 6.35 0.00 0.00 0.00 1.26 0.00 37.19 0.00 558.07 368.50 2.12 0.00 0.00 0.49 0.33 0.00 0.00 0.00

3,818.12

CUM

19.52 7.54 6.73 5.10 3.65 3.15 2.90 2.56 5.51 5.21 24.25 50.07 48.16 45.45 43.20 38.81 35.62 32.29 29.50 29.33 29.33

Page 162 of 180

CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 09

RISK AND LOSS PROFILE 2004

DKI JAKARTA

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES

SUM INSURED BAND

CLAIM FREQUENCY

ORIGINAL PREMIUM (In Million Rp)

DATE

CLAIM SEVERITY(in Million Rp)

01/01/2004

15/12/2004

15/02/2005 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

10,373 15,077 20,695 19,792 22,869 11,386 7,764 5,537 2,985 1,558 1,222 1,193 838 989 629 832 626 246 285 62 124,958

10,373 25,450 46,145 65,937 88,806 100,192 107,956 113,493 116,478 118,036 119,258 120,451 121,289 122,278 122,907 123,739 124,365 124,611 124,896 124,958

BAND

CUM.

8.30 12.07 16.56 15.84 18.30 9.11 6.21 4.43 2.39 1.25 0.98 0.95 0.67 0.79 0.50 0.67 0.50 0.20 0.23 0.05

8.30 20.37 36.93 52.77 71.07 80.18 86.39 90.82 93.21 94.46 95.44 96.39 97.06 97.86 98.36 99.02 99.53 99.72 99.95 100.00

PERCENTAGE f

11,813.11 2,976.46 8,606.06 10,093.27 21,999.04 13,341.92 13,393.02 13,750.23 14,507.97 6,465.14 5,717.48 11,544.95 6,596.18 9,742.70 8,172.23 14,218.40 17,580.68 15,530.08 1,437.71 18,268.44 225,755.07

11,813.11 14,789.57 23,395.63 33,488.90 55,487.94 68,829.86 82,222.88 95,973.11 110,481.08 116,946.22 122,663.70 134,208.65 140,804.83 150,547.53 158,719.76 172,938.16 190,518.84 206,048.92 207,486.63 225,755.07

BAND

5.23 1.32 3.81 4.47 9.74 5.91 5.93 6.09 6.43 2.86 2.53 5.11 2.92 4.32 3.62 6.30 7.79 6.88 0.64 8.09

CUM.

5.23 6.55 10.36 14.83 24.58 30.49 36.42 42.51 48.94 51.80 54.33 59.45 62.37 66.69 70.31 76.60 84.39 91.27 91.91 100.00

PERCENTAGE f

33 20 34 14 15 5 11 11 7 4 3 3 3 3 7 10 2 2 11 2 200

BAND

CUM.

33 53 87 101 116 121 132 143 150 154 157 160 163 166 173 183 185 187 198 200

16.50 16.50 10.00 26.50 17.00 43.50 7.00 50.50 7.50 58.00 2.50 60.50 5.50 66.00 5.50 71.50 3.50 75.00 2.00 77.00 1.50 78.50 1.50 80.00 1.50 81.50 1.50 83.00 3.50 86.50 5.00 91.50 1.00 92.50 1.00 93.50 5.50 99.00 1.00 100.00

PERCENTAGE rp

3,144.04 757.38 3,245.14 1,538.07 566.34 1,489.55 1,521.99 550.43 3,087.11 3,436.21 22.41 1,730.95 1,317.68 248.79 1,281.49 11,943.79 59.82 15.94 13,954.76 12.91 49,924.80

3,144.04 3,901.42 7,146.56 8,684.63 9,250.97 10,740.52 12,262.51 12,812.94 15,900.05 19,336.26 19,358.67 21,089.62 22,407.30 22,656.09 23,937.58 35,881.37 35,941.19 35,957.13 49,911.89 49,924.80

PERCENTAGE

BAND

CUM.

BAND

6.43 1.55 6.63 3.14 1.16 3.04 3.11 1.13 6.31 7.02 0.05 3.54 2.69 0.51 2.62 24.41 0.12 0.03 28.52 0.03

6.43 7.97 14.61 17.75 18.91 21.95 25.06 26.19 32.50 39.52 39.57 43.11 45.80 46.31 48.93 73.34 73.46 73.49 102.02 102.04

26.61 25.45 37.71 15.24 2.57 11.16 11.36 4.00 21.28 53.15 0.39 14.99 19.98 2.55 15.68 84.00 0.34 0.10 970.62 0.07

CUM

26.61 26.38 30.55 25.93 16.67 15.60 14.91 13.35 14.39 16.53 15.78 15.71 15.91 15.05 15.08 20.75 18.86 17.45 24.06 22.11 21.67

Page 163 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 10

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

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

19.632 21.072 23.009 11.182 9.964 4.286 3.163 2.239 1.299 795 713 785 599 776 562 858 798 319 340 64 102.455

19.632 40.704 63.713 74.895 84.859 89.145 92.308 94.547 95.846 96.641 97.354 98.139 98.738 99.514 100.076 100.934 101.732 102.051 102.391 102.455

BAND

CUM.

19.16 19.16 20.57 39.73 22.46 62.19 10.91 73.10 9.73 82.83 4.18 87.01 3.09 90.10 2.19 92.28 1.27 93.55 0.78 94.33 0.70 95.02 0.77 95.79 0.58 96.37 0.76 97.13 0.55 97.68 0.84 98.52 0.78 99.29 0.31 99.61 0.33 99.94 0.06 100.00

PERCENTAGE rp

10,918.06 4,075.28 8,603.64 7,240.50 10,156.74 6,533.54 7,343.44 6,950.02 5,650.05 3,841.96 4,365.05 5,424.91 5,792.76 8,061.82 7,281.12 14,932.47 27,621.36 17,987.71 28,102.83 31,704.36 222,587.61

10,918.06 14,993.34 23,596.98 30,837.48 40,994.22 47,527.76 54,871.20 61,821.22 67,471.27 71,313.23 75,678.28 81,103.19 86,895.95 94,957.78 102,238.90 117,171.36 144,792.72 162,780.43 190,883.26 222,587.61

BAND

4.91 1.83 3.87 3.25 4.56 2.94 3.30 3.12 2.54 1.73 1.96 2.44 2.60 3.62 3.27 6.71 12.41 8.08 12.63 14.24

CUM.

4.91 6.74 10.60 13.85 18.42 21.35 24.65 27.77 30.31 32.04 34.00 36.44 39.04 42.66 45.93 52.64 65.05 73.13 85.76 100.00

PERCENTAGE f

12 4 11 4 6 4 3 3 5 10 1 4 4 12 13 9 14 68 187

12 16 27 31 37 41 44 47 52 52 52 62 63 67 71 83 96 105 119 187

BAND

CUM.

6.42 6.42 2.14 8.56 5.88 14.44 2.14 16.58 3.21 19.79 2.14 21.93 1.60 23.53 1.60 25.13 2.67 27.81 0.00 27.81 0.00 27.81 5.35 33.16 0.53 33.69 2.14 35.83 2.14 37.97 6.42 44.39 6.95 51.34 4.81 56.15 7.49 63.64 36.36 100.00

PERCENTAGE rp

2,179.67 235.13 555.90 307.07 1,228.75 278.32 1,592.47 721.47 304.33 0.00 0.00 174.65 5.38 482.79 179.11 1,961.25 2,073.27 8,208.09 5,110.53 50,049.88

2,179.67 2,414.80 2,970.69 3,277.77 4,506.51 4,784.83 6,377.30 7,098.77 7,403.10 7,403.10 7,403.10 7,577.75 7,583.13 8,065.92 8,245.03 10,206.29 12,279.56 20,487.65 25,598.18 75,648.07

75,648.07

BAND

CUM.

2.88 2.88 0.31 3.19 0.73 3.93 0.41 4.33 1.62 5.96 0.37 6.33 2.11 8.43 0.95 9.38 0.40 9.79 0.00 9.79 0.00 9.79 0.23 10.02 0.01 10.02 0.64 10.66 0.24 10.90 2.59 13.49 2.74 16.23 10.85 27.08 6.76 33.84 66.16 100.00

PERCENTAGE BAND

CUM

19.96 5.77 6.46 4.24 12.10 4.26 21.69 10.38 5.39 0.00 0.00 3.22 0.09 5.99 2.46 13.13 7.51 45.63 18.19 157.86

19.96 16.11 12.59 10.63 10.99 10.07 11.62 11.48 10.97 10.38 9.78 9.34 8.73 8.49 8.06 8.71 8.48 12.59 13.41 33.99 33.99

Page 164 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 11

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

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

9.094 6.900 6.312 2.896 2.837 1.487 1.151 884 482 270 204 209 156 223 154 174 123 50 44 11 33.661

9.094 15.994 22.306 25.202 28.039 29.526 30.677 31.561 32.043 32.313 32.517 32.726 32.882 33.105 33.259 33.433 33.556 33.606 33.650 33.661

BAND

CUM.

PERCENTAGE rp

27.02 27.02 2,621.30 20.50 47.51 1,504.72 18.75 66.27 2,445.32 8.60 74.87 2,001.94 8.43 83.30 3,227.08 4.42 87.72 2,652.66 3.42 91.14 2,611.14 2.63 93.76 2,855.90 1.43 95.19 2,005.22 0.80 96.00 1,444.48 0.61 96.60 1,372.79 0.62 97.22 2,202.78 0.46 97.69 1,743.11 0.66 98.35 2,951.89 0.46 98.81 895.50 0.52 99.32 4,029.29 0.37 99.69 3,778.64 0.15 99.84 3,133.55 0.13 99.97 2,567.48 0.03 100.00 14,346.57 60,391.35

2,621.30 4,126.02 6,571.33 8,573.27 11,800.35 14,453.02 17,064.16 19,920.06 21,925.28 23,369.76 24,742.55 26,945.33 28,688.44 31,640.33 32,535.83 36,565.12 40,343.76 43,477.31 46,044.78 60,391.35

BAND

4.34 2.49 4.05 3.31 5.34 4.39 4.32 4.73 3.32 2.39 2.27 3.65 2.89 4.89 1.48 6.67 6.26 5.19 4.25 23.76

CUM.

4.34 6.83 10.88 14.20 19.54 23.93 28.26 32.98 36.31 38.70 40.97 44.62 47.50 52.39 53.87 60.55 66.80 71.99 76.24 100.00

PERCENTAGE f

2 2 2 2 2 2 2 1 1 22 3 2 1 3 2 -

2 4.08 4 4.08 4 0.00 6 4.08 8 4.08 10 4.08 12 4.08 14 4.08 15 2.04 16 2.04 16 0.00 38 44.90 41 6.12 43 4.08 44 2.04 44 0.00 47 6.12 47 0.00 49 4.08 49 0.00

BAND

PERCENTAGE

CUM.

4.08 8.16 8.16 12.24 16.33 20.41 24.49 28.57 30.61 32.65 32.65 77.55 83.67 87.76 89.80 89.80 95.92 95.92 100.00 100.00

52.97 0.31 0.00 32.50 100.17 558.27 665.00 450.35 30.24 8.73 0.00 901.14 1,697.18 10.62 28.95 0.00 65.99 0.00 37.76 0.00

52.97 53.28 53.28 85.78 185.94 744.21 1,409.21 1,859.56 1,889.80 1,898.52 1,898.52 2,799.66 4,496.85 4,507.47 4,536.42 4,536.42 4,602.40 4,602.40 4,640.16 4,640.16

BAND

CUM.

1.14 1.14 0.01 1.15 0.00 1.15 0.70 1.85 2.16 4.01 12.03 16.04 14.33 30.37 9.71 40.08 0.65 40.73 0.19 40.92 0.00 40.92 19.42 60.34 36.58 96.91 0.23 97.14 0.62 97.76 0.00 97.76 1.42 99.19 0.00 99.19 0.81 100.00 0.00 100.00

PERCENTAGE BAND

2.02 0.02 0.00 1.62 3.10 21.05 25.47 15.77 1.51 0.60 0.00 40.91 97.37 0.36 3.23 0.00 1.75 0.00 1.47 0.00

CUM

2.02 1.29 0.81 1.00 1.58 5.15 8.26 9.34 8.62 8.12 7.67 10.39 15.67 14.25 13.94 12.41 11.41 10.59 10.08 7.68

4,640.16

7.68

Page 165 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 12

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

DI YOGYAKARTA

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 1 1 495 451 245 144 127 68 30 32 36 19 28 15 19 13 7 4 1 5.294

1 2.511 3.560 4.055 4.506 4.751 4.895 5.022 5.090 5.120 5.152 5.188 5.207 5.235 5.250 5.269 5.282 5.289 5.293 5.294

BAND

CUM.

24.40 24.40 23.03 47.43 19.81 67.25 9.35 76.60 8.52 85.12 4.63 89.74 2.72 92.46 2.40 94.86 1.28 96.15 0.57 96.71 0.60 97.32 0.68 98.00 0.36 98.36 0.53 98.89 0.28 99.17 0.36 99.53 0.25 99.77 0.13 99.91 0.08 99.98 0.02 100.00

PERCENTAGE rp

189.65 206.20 376.11 279.64 535.67 337.30 299.96 369.92 221.60 143.30 153.26 225.54 233.65 248.48 154.18 120.30 375.35 316.55 520.13 381.18 5,687.98

189.65 395.85 771.96 1,051.60 1,587.26 1,924.56 2,224.52 2,594.44 2,816.04 2,959.34 3,112.61 3,338.14 3,571.80 3,820.28 3,974.46 4,094.76 4,470.11 4,786.66 5,306.79 5,687.98

BAND

3.33 3.63 6.61 4.92 9.42 5.93 5.27 6.50 3.90 2.52 2.69 3.97 4.11 4.37 2.71 2.12 6.60 5.57 9.14 6.70

CUM.

3.33 6.96 13.57 18.49 27.91 33.84 39.11 45.61 49.51 52.03 54.72 58.69 62.80 67.16 69.87 71.99 78.59 84.15 93.30 100.00

PERCENTAGE f

1 1 2

1 1 1 1 1 1 1 1 1 1 1 2 2 2

PERCENTAGE

BAND

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 1,077.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 352.18 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 1,077.28 1,077.28 1,077.28 1,077.28 1,077.28 1,077.28 1,077.28 1,077.28 1,077.28 1,077.28 1,077.28 1,429.46 1,429.46 1,429.46

1,429.46

BAND

PERCENTAGE

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 75.36 75.36 0.00 75.36 0.00 75.36 0.00 75.36 0.00 75.36 0.00 75.36 0.00 75.36 0.00 75.36 0.00 75.36 0.00 75.36 0.00 75.36 24.64 100.00 0.00 100.00 0.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 359.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 111.26 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 48.43 41.52 38.25 36.40 34.61 32.27 30.16 28.20 27.10 26.31 24.10 29.86 26.94 25.13 25.13

Page 166 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 13

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

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

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

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

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

9.501 9.217 10.713 5.609 5.798 2.991 2.402 1.779 1.083 559 436 531 355 434 255 402 279 113 118 27

9.501 18.718 29.431 35.040 40.838 43.829 46.231 48.010 49.093 49.652 50.088 50.619 50.974 51.408 51.663 52.065 52.344 52.457 52.575 52.602

52.602

BAND

CUM.

18.06 18.06 17.52 35.58 20.37 55.95 10.66 66.61 11.02 77.64 5.69 83.32 4.57 87.89 3.38 91.27 2.06 93.33 1.06 94.39 0.83 95.22 1.01 96.23 0.67 96.91 0.83 97.73 0.48 98.21 0.76 98.98 0.53 99.51 0.21 99.72 0.22 99.95 0.05 100.00

PERCENTAGE rp

BAND

CUM.

4,074.59 1,977.59 4,285.94 3,657.55 5,833.46 4,181.59 13,713.21 5,144.38 4,582.16 2,554.69 2,572.47 4,307.40 3,393.92 5,680.14 3,860.22 12,249.69 10,351.15 5,492.48 15,281.53 12,824.38

4,074.59 6,052.18 10,338.12 13,995.67 19,829.12 24,010.71 37,723.92 42,868.31 47,450.47 50,005.16 52,577.63 56,885.04 60,278.95 65,959.09 69,819.31 82,069.00 92,420.14 97,912.62 113,194.16 126,018.54

3.23 1.57 3.40 2.90 4.63 3.32 10.88 4.08 3.64 2.03 2.04 3.42 2.69 4.51 3.06 9.72 8.21 4.36 12.13 10.18

3.23 4.80 8.20 11.11 15.74 19.05 29.94 34.02 37.65 39.68 41.72 45.14 47.83 52.34 55.40 65.12 73.34 77.70 89.82 100.00

126,018.54

PERCENTAGE F

BAND

10 3 3 4 1 1 6 1 2 27 1 18 3 2 6 1 4 1

10 13 16 16 20 21 22 22 28 29 31 58 59 77 80 82 88 89 93 94

10.64 10.64 7,228.16 3.19 13.83 134.43 3.19 17.02 63.50 0.00 17.02 0.00 4.26 21.28 844.00 1.06 22.34 17.50 1.06 23.40 6.00 0.00 23.40 0.00 6.38 29.79 1,990.34 1.06 30.85 9.77 2.13 32.98 58.00 28.72 61.70 742.42 1.06 62.77 24.81 19.15 81.91 9,337.63 3.19 85.11 11,256.81 2.13 87.23 154.45 6.38 93.62 13,807.52 1.06 94.68 33.39 4.26 98.94 68.44 1.06 100.00 119.38

CUM.

PERCENTAGE

45,896.56

7,228.16 7,362.59 7,426.09 7,426.09 8,270.09 8,287.59 8,293.59 8,293.59 10,283.93 10,293.70 10,351.70 11,094.12 11,118.94 20,456.57 31,713.38 31,867.82 45,675.34 45,708.73 45,777.17 45,896.56

BAND

CUM.

15.75 15.75 0.29 16.04 0.14 16.18 0.00 16.18 1.84 18.02 0.04 18.06 0.01 18.07 0.00 18.07 4.34 22.41 0.02 22.43 0.13 22.55 1.62 24.17 0.05 24.23 20.34 44.57 24.53 69.10 0.34 69.43 30.08 99.52 0.07 99.59 0.15 99.74 0.26 100.00

PERCENTAGE BAND

CUM

177.40 6.80 1.48 0.00 14.47 0.42 0.04 0.00 43.44 0.38 2.25 17.24 0.73 164.39 291.61 1.26 133.39 0.61 0.45 0.93

177.40 121.65 71.83 53.06 41.71 34.52 21.98 19.35 21.67 20.59 19.69 19.50 18.45 31.01 45.42 38.83 49.42 46.68 40.44 36.42 36.42

Page 167 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 14

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

KALIMANTAN 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

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

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

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

6.211 5.999 3.714 1.156 882 254 183 118 61 26 17 31 9 14 10 20 36 9 3 18.753

6.211 12.210 15.924 17.080 17.962 18.216 18.399 18.517 18.578 18.604 18.621 18.652 18.661 18.675 18.685 18.705 18.741 18.750 18.753 18.753

BAND

CUM.

33.12 33.12 31.99 65.11 19.80 84.91 6.16 91.08 4.70 95.78 1.35 97.14 0.98 98.11 0.63 98.74 0.33 99.07 0.14 99.21 0.09 99.30 0.17 99.46 0.05 99.51 0.07 99.58 0.05 99.64 0.11 99.74 0.19 99.94 0.05 99.98 0.02 100.00 0.00 100.00

PERCENTAGE rp

3,617.98 3,018.73 3,592.44 2,014.29 2,356.53 935.29 852.22 641.56 397.69 277.90 163.44 302.77 163.46 283.07 100.35 337.14 1,355.26 293.75 37.42 0.00

3,617.98 6,636.71 10,229.15 12,243.44 14,599.98 15,535.26 16,387.48 17,029.04 17,426.73 17,704.63 17,868.07 18,170.85 18,334.31 18,617.38 18,717.73 19,054.87 20,410.12 20,703.87 20,741.29 20,741.29

20,741.29

BAND

17.44 14.55 17.32 9.71 11.36 4.51 4.11 3.09 1.92 1.34 0.79 1.46 0.79 1.36 0.48 1.63 6.53 1.42 0.18 0.00

CUM.

17.44 32.00 49.32 59.03 70.39 74.90 79.01 82.10 84.02 85.36 86.15 87.61 88.40 89.76 90.24 91.87 98.40 99.82 100.00 100.00

PERCENTAGE f

8 8 5 4 1 1 27

PERCENTAGE

BAND

CUM.

8 16 21 25 26 26 26 26 26 26 26 26 26 26 26 26 27 27 27 27

29.63 29.63 18.52 14.81 3.70 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.70 0.00 0.00 0.00

29.63 59.26 77.78 92.59 96.30 96.30 96.30 96.30 96.30 96.30 96.30 96.30 96.30 96.30 96.30 96.30 100.00 100.00 100.00 100.00

4,183.25 389.19 445.52 1,170.98 21.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,000.00 0.00 0.00 0.00 7,209.94

4,183.25 4,572.44 5,017.96 6,188.94 6,209.94 6,209.94 6,209.94 6,209.94 6,209.94 6,209.94 6,209.94 6,209.94 6,209.94 6,209.94 6,209.94 6,209.94 7,209.94 7,209.94 7,209.94 7,209.94

PERCENTAGE

BAND

CUM.

BAND

CUM

58.02 5.40 6.18 16.24 0.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.87 0.00 0.00 0.00

58.02 63.42 69.60 85.84 86.13 86.13 86.13 86.13 86.13 86.13 86.13 86.13 86.13 86.13 86.13 86.13 100.00 100.00 100.00 100.00

115.62 12.89 12.40 58.13 0.89 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 73.79 0.00 0.00 0.00

115.62 68.90 49.06 50.55 42.53 39.97 37.89 36.47 35.63 35.08 34.75 34.18 33.87 33.36 33.18 32.59 35.33 34.82 34.76 34.76 34.76

Page 168 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 15

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

KALIMANTAN 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

660 482 420 246 217 90 64 31 15 14 5 7 3 5 6 8 2 1 2.276

660 1.142 1.562 1.808 2.025 2.115 2.179 2.210 2.225 2.239 2.244 2.251 2.254 2.259 2.265 2.273 2.275 2.276 2.276 2.276

BAND

CUM.

29.00 29.00 21.18 50.18 18.45 68.63 10.81 79.44 9.53 88.97 3.95 92.93 2.81 95.74 1.36 97.10 0.66 97.76 0.62 98.37 0.22 98.59 0.31 98.90 0.13 99.03 0.22 99.25 0.26 99.52 0.35 99.87 0.09 99.96 0.04 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

BAND

CUM.

216.39 189.89 317.02 367.19 522.60 274.14 244.18 129.81 130.07 73.25 19.47 5,519.64 103.75 44.34 229.86 901.96 194.68 57.88 0.00 0.00

216.39 406.28 723.30 1,090.49 1,613.10 1,887.24 2,131.42 2,261.23 2,391.31 2,464.55 2,484.02 3,035.62 2,931.87 2,887.53 2,657.67 1,755.71 1,561.03 1,503.15 1,503.15 1,503.15

14.40 12.63 21.09 24.43 34.77 18.24 16.24 8.64 8.65 4.87 1.30 367.21 6.90 2.95 15.29 60.00 12.95 3.85 0.00 0.00

14.40 27.03 48.12 72.55 107.31 125.55 141.80 150.43 159.09 163.96 165.25 201.95 195.05 192.10 176.81 116.80 103.85 100.00 100.00 100.00

1,503.15

PERCENTAGE f

1 2 1 1 5

BAND

1 3 4 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5

0.00 20.00 40.00 20.00 20.00 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.

BAND

CUM.

0.00 20.00 60.00 80.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 96.25 290.52 250.00 500.00 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 96.25 386.77 636.77 1,136.77 1,136.77 1,136.77 1,136.77 1,136.77 1,136.77 1,136.77 1,136.77 1,136.77 1,136.77 1,136.77 1,136.77 1,136.77 1,136.77 1,136.77 1,136.77

0.00 8.47 25.56 21.99 43.98 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 8.47 34.02 56.02 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

1,136.77

PERCENTAGE BAND

CUM

0.00 50.68 91.64 68.08 95.67 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 23.69 53.47 58.39 70.47 60.23 53.33 50.27 47.54 46.12 45.76 37.45 38.77 39.37 42.77 64.75 72.82 75.63 75.63 75.63 75.63

Page 169 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 16

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

KALIMANTAN 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

1.813 1.385 1.018 445 501 268 163 108 73 32 30 22 9 19 7 19 16 6 8 3 5.945

1.813 3.198 4.216 4.661 5.162 5.430 5.593 5.701 5.774 5.806 5.836 5.858 5.867 5.886 5.893 5.912 5.928 5.934 5.942 5.945

BAND

CUM.

30.50 30.50 23.30 53.79 17.12 70.92 7.49 78.40 8.43 86.83 4.51 91.34 2.74 94.08 1.82 95.90 1.23 97.12 0.54 97.66 0.50 98.17 0.37 98.54 0.15 98.69 0.32 99.01 0.12 99.13 0.32 99.44 0.27 99.71 0.10 99.81 0.13 99.95 0.05 100.00

PERCENTAGE rp

454.38 348.03 480.57 351.90 716.19 538.20 520.86 442.84 421.96 178.49 202.18 215.61 138.28 351.44 89.21 668.47 796.48 724.73 1,661.76 88.78 9,390.36

454.38 802.41 1,282.98 1,634.88 2,351.07 2,889.27 3,410.13 3,852.96 4,274.93 4,453.42 4,655.60 4,871.21 5,009.49 5,360.93 5,450.14 6,118.61 6,915.09 7,639.82 9,301.58 9,390.36

BAND

4.84 3.71 5.12 3.75 7.63 5.73 5.55 4.72 4.49 1.90 2.15 2.30 1.47 3.74 0.95 7.12 8.48 7.72 17.70 0.95

CUM.

4.84 8.55 13.66 17.41 25.04 30.77 36.32 41.03 45.52 47.43 49.58 51.87 53.35 57.09 58.04 65.16 73.64 81.36 99.05 100.00

PERCENTAGE f

1 2 1 1 1 6

1 3 3 3 3 3 3 4 4 4 4 5 5 5 5 6 6 6

BAND

CUM.

0.00 0.00 0.00 0.00 16.67 16.67 33.33 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 16.67 66.67 0.00 66.67 0.00 66.67 0.00 66.67 16.67 83.33 0.00 83.33 0.00 83.33 0.00 83.33 16.67 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

0.00 0.00 200.00 250.65 0.00 0.00 0.00 0.00 0.00 21.69 0.00 0.00 0.00 500.00 0.00 0.00 0.00 5,000.00 0.00 0.00 5,972.34

0.00 0.00 200.00 450.65 450.65 450.65 450.65 450.65 450.65 472.34 472.34 472.34 472.34 972.34 972.34 972.34 972.34 5,972.34 5,972.34 5,972.34

BAND

CUM.

0.00 0.00 0.00 0.00 3.35 3.35 4.20 7.55 0.00 7.55 0.00 7.55 0.00 7.55 0.00 7.55 0.00 7.55 0.36 7.91 0.00 7.91 0.00 7.91 0.00 7.91 8.37 16.28 0.00 16.28 0.00 16.28 0.00 16.28 83.72 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

0.00 0.00 41.62 71.23 0.00 0.00 0.00 0.00 0.00 12.15 0.00 0.00 0.00 142.27 0.00 0.00 0.00 689.91 0.00 0.00

CUM

0.00 0.00 15.59 27.56 19.17 15.60 13.22 11.70 10.54 10.61 10.15 9.70 9.43 18.14 17.84 15.89 14.06 78.17 64.21 63.60 63.60

Page 170 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 17

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

KALIMANTAN 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

1.742 2.291 2.551 1.453 1.360 611 459 298 143 58 59 55 22 49 19 31 32 4 10 4 11.251

PERCENTAGE

BAND

CUM.

1.742 4.033 6.584 8.037 9.397 10.008 10.467 10.765 10.908 10.966 11.025 11.080 11.102 11.151 11.170 11.201 11.233 11.237 11.247 11.251

15.48 20.36 22.67 12.91 12.09 5.43 4.08 2.65 1.27 0.52 0.52 0.49 0.20 0.44 0.17 0.28 0.28 0.04 0.09 0.04

15.48 35.85 58.52 71.43 83.52 88.95 93.03 95.68 96.95 97.47 97.99 98.48 98.68 99.11 99.28 99.56 99.84 99.88 99.96 100.00

579.52 759.39 1,692.23 1,393.20 2,375.84 1,665.80 1,555.59 1,428.46 780.02 391.36 484.20 382.26 284.02 574.64 196.02 557.29 1,244.99 316.17 5,139.62 1,949.96

579.52 1,338.91 3,031.15 4,424.35 6,800.19 8,465.99 10,021.57 11,450.04 12,230.05 12,621.41 13,105.62 13,487.87 13,771.90 14,346.54 14,542.55 15,099.84 16,344.84 16,661.01 21,800.62 23,750.58

23,750.58

BAND

2.44 3.20 7.13 5.87 10.00 7.01 6.55 6.01 3.28 1.65 2.04 1.61 1.20 2.42 0.83 2.35 5.24 1.33 21.64 8.21

CUM.

2.44 5.64 12.76 18.63 28.63 35.65 42.20 48.21 51.49 53.14 55.18 56.79 57.99 60.40 61.23 63.58 68.82 70.15 91.79 100.00

PERCENTAGE f

1 8 3 3 2 1 1 1 20

BAND

CUM.

1 9 12 15 17 17 17 18 18 18 18 18 18 18 19 19 19 19 20 20

5.00 5.00 40.00 45.00 15.00 60.00 15.00 75.00 10.00 85.00 0.00 85.00 0.00 85.00 5.00 90.00 0.00 90.00 0.00 90.00 0.00 90.00 0.00 90.00 0.00 90.00 0.00 90.00 5.00 95.00 0.00 95.00 0.00 95.00 0.00 95.00 5.00 100.00 0.00 100.00

PERCENTAGE rp

34.26 954.42 748.66 216.71 205.00 0.00 0.00 1,000.00 0.00 0.00 0.00 0.00 0.00 0.00 700.00 0.00 0.00 0.00 161.57 0.00 4,020.62

34.26 988.68 1,737.34 1,954.05 2,159.05 2,159.05 2,159.05 3,159.05 3,159.05 3,159.05 3,159.05 3,159.05 3,159.05 3,159.05 3,859.05 3,859.05 3,859.05 3,859.05 4,020.62 4,020.62

BAND

CUM.

0.85 0.85 23.74 24.59 18.62 43.21 5.39 48.60 5.10 53.70 0.00 53.70 0.00 53.70 24.87 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 17.41 95.98 0.00 95.98 0.00 95.98 0.00 95.98 4.02 100.00 0.00 100.00

PERCENTAGE BAND

5.91 125.68 44.24 15.55 8.63 0.00 0.00 70.01 0.00 0.00 0.00 0.00 0.00 0.00 357.11 0.00 0.00 0.00 3.14 0.00

CUM

5.91 73.84 57.32 44.17 31.75 25.50 21.54 27.59 25.83 25.03 24.10 23.42 22.94 22.02 26.54 25.56 23.61 23.16 18.44 16.93 16.93

Page 171 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 18

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

SULAWESI 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

1.524 1.433 1.615 820 784 450 288 229 135 41 36 39 49 35 16 20 7 7 4 3 7.535

1.524 2.957 4.572 5.392 6.176 6.626 6.914 7.143 7.278 7.319 7.355 7.394 7.443 7.478 7.494 7.514 7.521 7.528 7.532 7.535

BAND

CUM.

20.23 20.23 19.02 39.24 21.43 60.68 10.88 71.56 10.40 81.96 5.97 87.94 3.82 91.76 3.04 94.80 1.79 96.59 0.54 97.13 0.48 97.61 0.52 98.13 0.65 98.78 0.46 99.24 0.21 99.46 0.27 99.72 0.09 99.81 0.09 99.91 0.05 99.96 0.04 100.00

PERCENTAGE rp

452.90 452.90 380.84 833.74 698.46 1,532.20 640.12 2,172.32 1,044.57 3,216.89 1,042.64 4,259.54 1,005.50 5,265.04 1,020.01 6,285.05 729.56 7,014.61 388.26 7,402.87 529.55 7,932.42 292.15 8,224.57 561.58 8,786.16 496.44 9,282.60 184.24 9,466.84 326.75 9,793.59 142.38 9,935.96 230.43 10,166.39 501.87 10,668.26 310.05 10,978.31 10,978.31

BAND

4.13 3.47 6.36 5.83 9.51 9.50 9.16 9.29 6.65 3.54 4.82 2.66 5.12 4.52 1.68 2.98 1.30 2.10 4.57 2.82

CUM.

4.13 7.59 13.96 19.79 29.30 38.80 47.96 57.25 63.90 67.43 72.26 74.92 80.03 84.55 86.23 89.21 90.51 92.60 97.18 100.00

PERCENTAGE f

1 2 1 2 2 1 9

1 3 4 4 4 6 6 8 8 8 8 8 8 8 8 8 8 8 9 9

PERCENTAGE

BAND

CUM.

11.11 22.22 11.11 0.00 0.00 22.22 0.00 22.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11.11 0.00

11.11 33.33 44.44 44.44 44.44 66.67 66.67 88.89 88.89 88.89 88.89 88.89 88.89 88.89 88.89 88.89 88.89 88.89 100.00 100.00

5.00 141.97 20.00 0.00 0.00 804.50 0.00 1,250.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 100.00 0.00

5.00 146.97 166.97 166.97 166.97 971.47 971.47 2,221.47 2,221.47 2,221.47 2,221.47 2,221.47 2,221.47 2,221.47 2,221.47 2,221.47 2,221.47 2,221.47 2,321.47 2,321.47

2,321.47

BAND

PERCENTAGE

CUM.

BAND

0.22 0.22 6.12 6.33 0.86 7.19 0.00 7.19 0.00 7.19 34.65 41.85 0.00 41.85 53.85 95.69 0.00 95.69 0.00 95.69 0.00 95.69 0.00 95.69 0.00 95.69 0.00 95.69 0.00 95.69 0.00 95.69 0.00 95.69 0.00 95.69 4.31 100.00 0.00 100.00

1.10 37.28 2.86 0.00 0.00 77.16 0.00 122.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19.93 0.00

CUM

1.10 17.63 10.90 7.69 5.19 22.81 18.45 35.35 31.67 30.01 28.00 27.01 25.28 23.93 23.47 22.68 22.36 21.85 21.76 21.15 21.15

Page 172 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 19

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

SULAWESI 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

642 714 638 291 335 185 102 93 43 24 15 19 10 15 1 12 4 3.143

642 1.356 1.994 2.285 2.620 2.805 2.907 3.000 3.043 3.067 3.082 3.101 3.111 3.126 3.127 3.139 3.143 3.143 3.143 3.143

BAND

CUM.

20.43 22.72 20.30 9.26 10.66 5.89 3.25 2.96 1.37 0.76 0.48 0.60 0.32 0.48 0.03 0.38 0.13 0.00 0.00 0.00

20.43 43.14 63.44 72.70 83.36 89.25 92.49 95.45 96.82 97.58 98.06 98.66 98.98 99.46 99.49 99.87 100.00 100.00 100.00 100.00

PERCENTAGE rp

156.69 232.96 454.72 397.84 584.61 561.59 300.16 514.54 234.24 217.53 147.75 150.95 753.24 758.73 10.77 232.43 36.71 0.00 0.00 0.00 5,745.46

156.69 389.65 844.37 1,242.21 1,826.82 2,388.41 2,688.57 3,203.12 3,437.36 3,654.89 3,802.64 3,953.59 4,706.83 5,465.55 5,476.33 5,708.75 5,745.46 5,745.46 5,745.46 5,745.46

BAND

2.73 4.05 7.91 6.92 10.18 9.77 5.22 8.96 4.08 3.79 2.57 2.63 13.11 13.21 0.19 4.05 0.64 0.00 0.00 0.00

CUM.

2.73 6.78 14.70 21.62 31.80 41.57 46.79 55.75 59.83 63.61 66.19 68.81 81.92 95.13 95.32 99.36 100.00 100.00 100.00 100.00

PERCENTAGE f

1 1

BAND

0.00 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

PERCENTAGE

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

0.00 0.00 161.57 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 0.00 161.57

BAND

0.00 0.00 0.00 0.00 161.57 100.00 161.57 0.00 161.57 0.00 161.57 0.00 161.57 0.00 161.57 0.00 161.57 0.00 161.57 0.00 161.57 0.00 161.57 0.00 161.57 0.00 161.57 0.00 161.57 0.00 161.57 0.00 161.57 0.00 161.57 0.00 161.57 0.00 161.57 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 BAND

0.00 0.00 35.53 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 19.13 13.01 8.84 6.76 6.01 5.04 4.70 4.42 4.25 4.09 3.43 2.96 2.95 2.83 2.81 2.81 2.81 2.81 2.81

Page 173 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

SULAWESI 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

2.177 2.678 2.464 1.188 972 410 335 217 126 64 69 83 38 38 31 23 18 8 1 1 10.941

2.177 4.855 7.319 8.507 9.479 9.889 10.224 10.441 10.567 10.631 10.700 10.783 10.821 10.859 10.890 10.913 10.931 10.939 10.940 10.941

BAND

CUM.

19.90 19.90 24.48 44.37 22.52 66.90 10.86 77.75 8.88 86.64 3.75 90.38 3.06 93.45 1.98 95.43 1.15 96.58 0.58 97.17 0.63 97.80 0.76 98.56 0.35 98.90 0.35 99.25 0.28 99.53 0.21 99.74 0.16 99.91 0.07 99.98 0.01 99.99 0.01 100.00

PERCENTAGE rp

360.11 729.22 1,493.08 1,330.15 1,527.01 925.73 1,121.52 880.10 746.33 373.61 511.17 566.89 407.08 389.85 498.92 455.55 481.14 758.60 369.83 0.20

360.11 1,089.33 2,582.41 3,912.55 5,439.56 6,365.29 7,486.82 8,366.92 9,113.25 9,486.86 9,998.03 10,564.92 10,972.01 11,361.85 11,860.77 12,316.33 12,797.47 13,556.07 13,925.89 13,926.09

13,926.09

BAND

2.59 5.24 10.72 9.55 10.97 6.65 8.05 6.32 5.36 2.68 3.67 4.07 2.92 2.80 3.58 3.27 3.45 5.45 2.66 0.00

CUM.

2.59 7.82 18.54 28.10 39.06 45.71 53.76 60.08 65.44 68.12 71.79 75.86 78.79 81.59 85.17 88.44 91.90 97.34 100.00 100.00

PERCENTAGE f

1 1 2

1 1 1 1 1 1 2 2 2 2 2 2 2 2 2 2 2 2 2 2

BAND

CUM.

50.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

50.00 50.00 50.00 50.00 50.00 50.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE

BAND

CUM.

21.60 0.00 0.00 0.00 0.00 0.00 44.00 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

21.60 21.60 21.60 21.60 21.60 21.60 65.60 65.60 65.60 65.60 65.60 65.60 65.60 65.60 65.60 65.60 65.60 65.60 65.60 65.60

32.92 0.00 0.00 0.00 0.00 0.00 67.08 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

32.92 32.92 32.92 32.92 32.92 32.92 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

65.60

BAND

6.00 0.00 0.00 0.00 0.00 0.00 3.92 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

6.00 1.98 0.84 0.55 0.40 0.34 0.88 0.78 0.72 0.69 0.66 0.62 0.60 0.58 0.55 0.53 0.51 0.48 0.47 0.47 0.47

Page 174 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 21

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

SULAWESI TENGGARA

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

163 262 260 146 160 82 46 30 8 9 6 6 7 2 2 2 2 1.193

163 425 685 831 991 1.073 1.119 1.149 1.157 1.166 1.172 1.178 1.185 1.187 1.189 1.191 1.193 1.193 1.193 1.193

BAND

CUM.

13.66 21.96 21.79 12.24 13.41 6.87 3.86 2.51 0.67 0.75 0.50 0.50 0.59 0.17 0.17 0.17 0.17 0.00 0.00 0.00

13.66 35.62 57.42 69.66 83.07 89.94 93.80 96.31 96.98 97.74 98.24 98.74 99.33 99.50 99.66 99.83 100.00 100.00 100.00 100.00

PERCENTAGE rp

15.28 71.56 175.61 210.14 289.67 148.16 147.04 108.15 36.19 34.09 9.30 48.44 48.12 9.08 2.26 5.35 3.31 0.00 0.00 0.00 1,361.75

15.28 86.85 262.45 472.59 762.26 910.42 1,057.46 1,165.61 1,201.80 1,235.89 1,245.19 1,293.63 1,341.74 1,350.83 1,353.08 1,358.43 1,361.75 1,361.75 1,361.75 1,361.75

BAND

1.12 5.26 12.90 15.43 21.27 10.88 10.80 7.94 2.66 2.50 0.68 3.56 3.53 0.67 0.17 0.39 0.24 0.00 0.00 0.00

CUM.

1.12 6.38 19.27 34.70 55.98 66.86 77.65 85.60 88.25 90.76 91.44 95.00 98.53 99.20 99.36 99.76 100.00 100.00 100.00 100.00

PERCENTAGE f

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

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 0.00

Page 175 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 22

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

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

1.817 1.954 1.893 1 1.296 599 455 373 199 120 89 76 70 60 41 44 30 17 34 7 10.225

1.817 3.771 5.664 6.715 8.011 8.610 9.065 9.438 9.637 9.757 9.846 9.922 9.992 10.052 10.093 10.137 10.167 10.184 10.218 10.225

BAND

CUM.

17.77 17.77 19.11 36.88 18.51 55.39 10.28 65.67 12.67 78.35 5.86 84.21 4.45 88.66 3.65 92.30 1.95 94.25 1.17 95.42 0.87 96.29 0.74 97.04 0.68 97.72 0.59 98.31 0.40 98.71 0.43 99.14 0.29 99.43 0.17 99.60 0.33 99.93 0.07 100.00

PERCENTAGE rp

401.84 414.91 778.72 714.77 1,391.35 1,050.02 1,024.70 7,328.59 880.38 622.14 572.93 516.64 596.31 666.69 639.21 621.61 665.34 475.11 2,366.43 39,869.15

401.84 816.75 1,595.47 2,310.24 3,701.60 4,751.62 5,776.32 13,104.91 13,985.29 14,607.42 15,180.35 15,696.99 16,293.30 16,959.99 17,599.20 18,220.81 18,886.15 19,361.27 21,727.70 61,596.85

61,596.85

BAND

0.65 0.67 1.26 1.16 2.26 1.70 1.66 11.90 1.43 1.01 0.93 0.84 0.97 1.08 1.04 1.01 1.08 0.77 3.84 64.73

CUM.

0.65 1.33 2.59 3.75 6.01 7.71 9.38 21.28 22.70 23.71 24.64 25.48 26.45 27.53 28.57 29.58 30.66 31.43 35.27 100.00

PERCENTAGE f

2 1 1 2 1 2 2 2 13

BAND

2 2 2 2 3 3 3 3 4 6 6 6 7 7 9 9 11 11 13 13

15.38 0.00 0.00 0.00 7.69 0.00 0.00 0.00 7.69 15.38 0.00 0.00 7.69 0.00 15.38 0.00 15.38 0.00 15.38 0.00

CUM.

PERCENTAGE rp

15.38 1,880.07 15.38 0.00 15.38 0.00 15.38 0.00 23.08 2.81 23.08 0.00 23.08 0.00 23.08 0.00 30.77 45.14 46.15 22.39 46.15 0.00 46.15 0.00 53.85 9.63 53.85 0.00 69.23 30.01 69.23 0.00 84.62 133.86 84.62 0.00 100.00 47.30 100.00 0.00

1,880.07 1,880.07 1,880.07 1,880.07 1,882.88 1,882.88 1,882.88 1,882.88 1,928.01 1,950.41 1,950.41 1,950.41 1,960.04 1,960.04 1,990.05 1,990.05 2,123.91 2,123.91 2,171.20 2,171.20

BAND

CUM.

86.59 86.59 0.00 86.59 0.00 86.59 0.00 86.59 0.13 86.72 0.00 86.72 0.00 86.72 0.00 86.72 2.08 88.80 1.03 89.83 0.00 89.83 0.00 89.83 0.44 90.27 0.00 90.27 1.38 91.66 0.00 91.66 6.17 97.82 0.00 97.82 2.18 100.00 0.00 100.00

PERCENTAGE BAND

CUM

467.86 0.00 0.00 0.00 0.20 0.00 0.00 0.00 5.13 3.60 0.00 0.00 1.62 0.00 4.70 0.00 20.12 0.00 2.00 0.00

467.86 230.19 117.84 81.38 50.87 39.63 32.60 14.37 13.79 13.35 12.85 12.43 12.03 11.56 11.31 10.92 11.25 10.97 9.99 3.52

2,171.20

3.52

Page 176 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 23

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

NUSA TEGGARA 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

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

1 729 472 213 176 81 56 47 29 12 9 7 11 8 2 2 3 5 2.955

1 1.822 2.294 2.507 2.683 2.764 2.820 2.867 2.896 2.908 2.917 2.924 2.935 2.943 2.945 2.947 2.950 2.955 2.955 2.955

BAND

CUM.

36.99 36.99 24.67 61.66 15.97 77.63 7.21 84.84 5.96 90.80 2.74 93.54 1.90 95.43 1.59 97.02 0.98 98.00 0.41 98.41 0.30 98.71 0.24 98.95 0.37 99.32 0.27 99.59 0.07 99.66 0.07 99.73 0.10 99.83 0.17 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

141.68 173.55 274.57 213.74 284.73 253.48 233.72 179.05 229.48 98.09 65.27 74.40 99.84 73.37 52.80 15.95 47.35 148.76 0.00 0.00 2,659.85

141.68 315.23 589.81 803.54 1,088.27 1,341.75 1,575.47 1,754.52 1,984.00 2,082.09 2,147.37 2,221.76 2,321.61 2,394.98 2,447.78 2,463.73 2,511.09 2,659.85 2,659.85 2,659.85

BAND

5.33 6.52 10.32 8.04 10.70 9.53 8.79 6.73 8.63 3.69 2.45 2.80 3.75 2.76 1.99 0.60 1.78 5.59 0.00 0.00

CUM.

5.33 11.85 22.17 30.21 40.91 50.44 59.23 65.96 74.59 78.28 80.73 83.53 87.28 90.04 92.03 92.63 94.41 100.00 100.00 100.00

PERCENTAGE f

BAND

CUM.

1 1 7 5 13 -

1 2 9 14 14 27 27 27 27 27 27 27 27 27 27 27 27

0.00 0.00 0.00 3.70 3.70 25.93 18.52 0.00 48.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 3.70 7.41 33.33 51.85 51.85 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 0.00 0.00 2.90 2.92 16.12 9.59 0.00 37.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 68.70

0.00 0.00 0.00 2.90 5.82 21.95 31.54 31.54 68.70 68.70 68.70 68.70 68.70 68.70 68.70 68.70 68.70 68.70 68.70 68.70

BAND

CUM.

0.00 0.00 0.00 4.22 4.26 23.47 13.96 0.00 54.09 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 4.22 8.48 31.95 45.91 45.91 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 1.36 1.03 6.36 4.10 0.00 16.19 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 0.36 0.54 1.64 2.00 1.80 3.46 3.30 3.20 3.09 2.96 2.87 2.81 2.79 2.74 2.58 2.58 2.58 2.58

Page 177 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 24

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

NUSA TEGGARA 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

273 388 395 215 240 93 62 36 27 10 9 4 5 3 3 2 1.765

273 661 1.056 1.271 1.511 1.604 1.666 1.702 1.729 1.739 1.748 1.752 1.757 1.760 1.763 1.765 1.765 1.765 1.765 1.765

BAND

CUM.

15.47 21.98 22.38 12.18 13.60 5.27 3.51 2.04 1.53 0.57 0.51 0.23 0.28 0.17 0.17 0.11 0.00 0.00 0.00 0.00

15.47 37.45 59.83 72.01 85.61 90.88 94.39 96.43 97.96 98.53 99.04 99.26 99.55 99.72 99.89 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

36.96 149.66 279.59 256.49 480.30 279.20 242.16 198.32 227.12 81.71 93.27 18.73 63.20 34.45 28.17 39.16 0.00 0.00 0.00 0.00 2,508.47

36.96 186.62 466.21 722.70 1,203.00 1,482.20 1,724.36 1,922.68 2,149.79 2,231.50 2,324.77 2,343.50 2,406.70 2,441.15 2,469.32 2,508.47 2,508.47 2,508.47 2,508.47 2,508.47

BAND

1.47 5.97 11.15 10.23 19.15 11.13 9.65 7.91 9.05 3.26 3.72 0.75 2.52 1.37 1.12 1.56 0.00 0.00 0.00 0.00

CUM.

1.47 7.44 18.59 28.81 47.96 59.09 68.74 76.65 85.70 88.96 92.68 93.42 95.94 97.32 98.44 100.00 100.00 100.00 100.00 100.00

PERCENTAGE f

1 1

BAND

0.00 0.00 0.00 0.00 0.00 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

PERCENTAGE

CUM.

0.00 0.00 0.00 0.00 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

0.00 0.00 0.00 0.00 0.00 0.00 505.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 505.19

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 505.19 100.00 505.19 0.00 505.19 0.00 505.19 0.00 505.19 0.00 505.19 0.00 505.19 0.00 505.19 0.00 505.19 0.00 505.19 0.00 505.19 0.00 505.19 0.00 505.19 0.00 505.19 0.00

PERCENTAGE

CUM.

BAND

0.00 0.00 0.00 0.00 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

0.00 0.00 0.00 0.00 0.00 0.00 208.62 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 29.30 26.28 23.50 22.64 21.73 21.56 20.99 20.69 20.46 20.14 20.14 20.14 20.14 20.14 20.14

Page 178 of 180

RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 25

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

MALUKU

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

62 80 95 55 91 64 52 44 27 14 3 6 4 6 4 5 612

62 142 237 292 383 447 499 543 570 584 587 593 597 603 607 607 612 612 612 612

BAND

CUM.

10.13 13.07 15.52 8.99 14.87 10.46 8.50 7.19 4.41 2.29 0.49 0.98 0.65 0.98 0.65 0.00 0.82 0.00 0.00 0.00

10.13 23.20 38.73 47.71 62.58 73.04 81.54 88.73 93.14 95.42 95.92 96.90 97.55 98.53 99.18 99.18 100.00 100.00 100.00 100.00

PERCENTAGE rp

45.45 23.45 61.33 60.35 184.06 181.14 191.50 244.51 167.81 100.09 42.66 43.29 62.16 74.90 19.84 0.00 226.85 0.00 0.00 0.00 1,729.40

45.45 68.90 130.24 190.59 374.65 555.79 747.29 991.80 1,159.61 1,259.70 1,302.36 1,345.65 1,407.81 1,482.71 1,502.54 1,502.54 1,729.40 1,729.40 1,729.40 1,729.40

BAND

2.63 1.36 3.55 3.49 10.64 10.47 11.07 14.14 9.70 5.79 2.47 2.50 3.59 4.33 1.15 0.00 13.12 0.00 0.00 0.00

CUM.

2.63 3.98 7.53 11.02 21.66 32.14 43.21 57.35 67.05 72.84 75.31 77.81 81.40 85.74 86.88 86.88 100.00 100.00 100.00 100.00

PERCENTAGE f

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 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 .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 0.00

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RISK AND LOSS PROFILE 2004 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2004

PROVINCE

: 26

DATA POSITION FROM TO PROCESSING

DATE

01/01/2004

15/12/2004

15/02/2005

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

207 276 333 201 269 132 76 61 36 18 14 19 9 7 6 8 5 2 1 1.680

207 483 816 1 1 1.418 1.494 1.555 1.591 1.609 1.623 1.642 1.651 1.658 1.664 1.672 1.677 1.679 1.680 1.680

BAND

CUM.

12.32 12.32 16.43 28.75 19.82 48.57 11.96 60.54 16.01 76.55 7.86 84.40 4.52 88.93 3.63 92.56 2.14 94.70 1.07 95.77 0.83 96.61 1.13 97.74 0.54 98.27 0.42 98.69 0.36 99.05 0.48 99.52 0.30 99.82 0.12 99.94 0.06 100.00 0.00 100.00

PERCENTAGE rp

47.18 107.09 277.77 263.89 600.22 417.65 318.24 384.68 259.41 137.27 123.42 220.05 126.18 91.51 120.70 137.24 444.24 17.42 288.40 0.00 4,382.56

47.18 154.26 432.04 695.92 1,296.14 1,713.79 2,032.04 2,416.72 2,676.12 2,813.39 2,936.82 3,156.87 3,283.04 3,374.55 3,495.25 3,632.50 4,076.74 4,094.16 4,382.56 4,382.56

BAND

1.08 2.44 6.34 6.02 13.70 9.53 7.26 8.78 5.92 3.13 2.82 5.02 2.88 2.09 2.75 3.13 10.14 0.40 6.58 0.00

CUM.

1.08 3.52 9.86 15.88 29.58 39.10 46.37 55.14 61.06 64.20 67.01 72.03 74.91 77.00 79.75 82.89 93.02 93.42 100.00 100.00

PERCENTAGE f

1 1

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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

PERCENTAGE

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,150.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,150.00

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 0.00 0.00 3,150.00 100.00 3,150.00 0.00 3,150.00 0.00 3,150.00 0.00 3,150.00 0.00 3,150.00 0.00 3,150.00 0.00 3,150.00 0.00 3,150.00 0.00

PERCENTAGE

CUM.

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,431.47 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 99.78 95.95 93.35 90.12 86.72 77.27 76.94 71.88 71.88 71.88

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