Statistik bppdan edisi des 2009 by Reasuransi Internasional Indonesia

DAFTAR ISI TABEL GABUNGAN BAGIAN I RISK AND LOSS PROFILE 2006

Halaman

I.1

ALL CLASS OF BUSINESS …………………………………………………………………..

I.2

GROUP BY CLASS OF BUSINESS I.2.1 CLASS OF BUSINESS FIRE …………………………………………………………… I.2.2 CLASS OF BUSINESS IAR …………………………………………………………… I.2.3 CLASS OF BUSINESS LOP …………………………………………………………… I.2.4 CLASS OF BUSINESS EQ ………………………………………………………………

2 3 4 5

GROUP BY OCCUPATION CODE I.3.1 OCCUPATION CODE 20 I.3.2 OCCUPATION CODE 21 I.3.3 OCCUPATION CODE 22 I.3.4 OCCUPATION CODE 23 I.3.5 OCCUPATION CODE 24 I.3.6 OCCUPATION CODE 25 I.3.7 OCCUPATION CODE 26 I.3.8 OCCUPATION CODE 27 I.3.9 OCCUPATION CODE 28 I.3.10 OCCUPATION CODE 29 I.3.11 OCCUPATION CODE 30 I.3.12 OCCUPATION CODE 31 I.3.13 OCCUPATION CODE 32 I.3.14 OCCUPATION CODE 40

6 7 8 9 10 11 12 13 14 15 16 17 18 19

I.3

I.4

……………………………………………………………… ……………………………………………………………... ……………………………………………………………... ……………………………………………………………... ……………………………………………………………... ……………………………………………………………... ……………………………………………………………… ……………………………………………………………… ……………………………………………………………… ……………………………………………………………… ……………………………………………………………… ……………………………………………………………… ……………………………………………………………… ………………………………………………………………

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

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 1040 PO.Box 2645

BAGIAN II RISK AND LOSS PROFILE 2007

Halaman

II.1

ALL CLASS OF BUSINESS …………………………………………………………………..

II.2

GROUP BY CLASS OF BUSINESS II.2.1 CLASS OF BUSINESS FIRE …………………………………………………………… 53 II.2.2 CLASS OF BUSINESS IAR …………………………………………………………… 54 II.2.3 CLASS OF BUSINESS LOP …………………………………………………………… 55 II.2.4 CLASS OF BUSINESS EQ ……………………………………………………………… 56

II.3

GROUP BY OCCUPATION CODE II.3.1 OCCUPATION CODE 20 II.3.2 OCCUPATION CODE 21 II.3.3 OCCUPATION CODE 22 II.3.4 OCCUPATION CODE 23 II.3.5 OCCUPATION CODE 24 II.3.6 OCCUPATION CODE 25 II.3.7 OCCUPATION CODE 26 II.3.8 OCCUPATION CODE 27 II.3.9 OCCUPATION CODE 28 II.3.10 OCCUPATION CODE 29 II.3.11 OCCUPATION CODE 30 II.3.12 OCCUPATION CODE 31 II.3.13 OCCUPATION CODE 32 II.3.14 OCCUPATION CODE 40

II.4

57 58 59 60 61 62 63 64 65 66 67 68 69 70

GROUP BY PROVINCE II.4.1 PROVINCE NANGROE ACEH DARUSSALAM ……………………………………… 71 II.4.2 PROVINCE SUMATERA UTARA ……………………………………………………… 72 II.4.3 PROVINCE SUMATERA BARAT ……………………………………………………… 73 II.4.4 PROVINCE RIAU ……………………………………………………………………….. 74 II.4.5 PROVINCE JAMBI ……………………………………………………………………… 75 II.4.6 PROVINCE SUMATERA SELATAN …………………………………………………… 76 II.4.7 PROVINCE BENGKULU ………………………………………………………………… 77 II.4.8 PROVINCE LAMPUNG ……………………………………………………………………78 II.4.9 PROVINCE DKI JAKARTA ……………………………………………………………… 79 II.4.10 PROVINCE JAWA BARAT ……………………………………………………………… 80 II.4.11 PROVINCE JAWA TENGAH …………………………………………………………… 81 II.4.12 PROVINCE DI YOGYAKARTA ………………………………………………………… 82 II.4.13 PROVINCE JAWA TIMUR ……………………………………………………………… 83 II.4.14 PROVINCE KALIMANTAN BARAT …………………………………………………… 84 II.4.15 PROVINCE KALIMANTAN TENGAH ……………………………………………………85 II.4.16 PROVINCE KALIMANTAN SELATAN ………………………………………………… 86 II.4.17 PROVINCE KALIMANTAN TIMUR ………………………………………………………87 II.4.18 PROVINCE SULAWESI UTARA …………………………………………………………88 II.4.19 PROVINCE SULAWESI TENGAH ……………………………………………………… 89 II.4.20 PROVINCE SULAWESI SELATAN …………………………………………………… 90 II.4.21 PROVINCE SULAWESI TENGGARA ………………………………………………… 91 II.4.22 PROVINCE BALI ……………………………………………………………………….. 92 II.4.23 PROVINCE NUSA TENGGARA BARAT ……………………………………………… 93 II.4.24 PROVINCE NUSA TENGGARA TIMUR ……………………………………………… 94 II.4.25 PROVINCE MALUKU …………………………………………………………………… 95 II.4.26 PROVINCE IRIAN JAYA ………………………………………………………………… 96 II.4.27 PROVINCE MALUKU UTARA ……………………………………………………………97 II.4.28 PROVINCE IRIAN JAYA BARAT ……………………………………………………… 98 II.4.29 PROVINCE BANTEN …………………………………………………………………… 99 II.4.30 PROVINCE BANGKA BELITUNG ……………………………………………………… 100 II.4.31 PROVINCE GORONTALO ……………………………………………………………… 101 II.4.32 PROVINCE KEPULAUAN RIAU………………………………………………………… 102

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 1040 PO.Box 2645

BAGIAN III RISK AND LOSS PROFILE 2008

Halaman

III.1

ALL CLASS OF BUSINESS …………………………………………………………………..

III.2

GROUP BY CLASS OF BUSINESS III.2.1 CLASS OF BUSINESS FIRE ……………………………………………………………104 III.2.2 CLASS OF BUSINESS IAR …………………………………………………………… 105 III.2.3 CLASS OF BUSINESS LOP …………………………………………………………… 106 III.2.4 CLASS OF BUSINESS EQ ……………………………………………………………… 107

III.3

GROUP BY OCCUPATION CODE III.3.1 OCCUPATION CODE 20 III.3.2 OCCUPATION CODE 21 III.3.3 OCCUPATION CODE 22 III.3.4 OCCUPATION CODE 23 III.3.5 OCCUPATION CODE 24 III.3.6 OCCUPATION CODE 25 III.3.7 OCCUPATION CODE 26 III.3.8 OCCUPATION CODE 27 III.3.9 OCCUPATION CODE 28 III.3.10 OCCUPATION CODE 29 III.3.11 OCCUPATION CODE 30 III.3.12 OCCUPATION CODE 31 III.3.13 OCCUPATION CODE 32 III.3.14 OCCUPATION CODE 40

III.4

103

108 109 110 111 112 113 114 115 116 117 118 119 120 121

GROUP BY PROVINCE III.4.1 PROVINCE NANGROE ACEH DARUSSALAM ………………………………………122 III.4.2 PROVINCE SUMATERA UTARA ………………………………………………………123 III.4.3 PROVINCE SUMATERA BARAT ……………………………………………………… 124 III.4.4 PROVINCE RIAU ……………………………………………………………………….. 125 III.4.5 PROVINCE JAMBI ……………………………………………………………………… 126 III.4.6 PROVINCE SUMATERA SELATAN …………………………………………………… 127 III.4.7 PROVINCE BENGKULU …………………………………………………………………128 III.4.8 PROVINCE LAMPUNG ……………………………………………………………………129 III.4.9 PROVINCE DKI JAKARTA ……………………………………………………………… 130 III.4.10 PROVINCE JAWA BARAT ……………………………………………………………… 131 III.4.11 PROVINCE JAWA TENGAH …………………………………………………………… 132 III.4.12 PROVINCE DI YOGYAKARTA ………………………………………………………… 133 III.4.13 PROVINCE JAWA TIMUR ……………………………………………………………… 134 III.4.14 PROVINCE KALIMANTAN BARAT …………………………………………………… 135 III.4.15 PROVINCE KALIMANTAN TENGAH ……………………………………………………136 III.4.16 PROVINCE KALIMANTAN SELATAN ………………………………………………… 137 III.4.17 PROVINCE KALIMANTAN TIMUR ………………………………………………………138 III.4.18 PROVINCE SULAWESI UTARA …………………………………………………………139 III.4.19 PROVINCE SULAWESI TENGAH ………………………………………………………140 III.4.20 PROVINCE SULAWESI SELATAN …………………………………………………… 141 III.4.21 PROVINCE SULAWESI TENGGARA ………………………………………………… 142 III.4.22 PROVINCE BALI ……………………………………………………………………….. 143 III.4.23 PROVINCE NUSA TENGGARA BARAT ……………………………………………… 144 III.4.24 PROVINCE NUSA TENGGARA TIMUR ……………………………………………… 145 III.4.25 PROVINCE MALUKU …………………………………………………………………… 146 III.4.26 PROVINCE IRIAN JAYA ………………………………………………………………… 147 III.4.27 PROVINCE MALUKU UTARA ……………………………………………………………148 III.4.28 PROVINCE IRIAN JAYA BARAT ……………………………………………………… 149 III.4.29 PROVINCE BANTEN …………………………………………………………………… 150 III.4.30 PROVINCE BANGKA BELITUNG ……………………………………………………… 151 III.4.31 PROVINCE GORONTALO ……………………………………………………………… 152 III.4.32 PROVINCE KEPULAUAN RIAU………………………………………………………… 153

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 1040 PO.Box 2645

BAGIAN IV RISK AND LOSS PROFILE 2009

Halaman

IV.1

ALL CLASS OF BUSINESS …………………………………………………………………..

IV.2

GROUP BY CLASS OF BUSINESS IV.2.1 CLASS OF BUSINESS FIRE ……………………………………………………………155 IV.2.2 CLASS OF BUSINESS IAR …………………………………………………………… 156 IV.2.3 CLASS OF BUSINESS LOP …………………………………………………………… 157 IV.2.4 CLASS OF BUSINESS EQ ……………………………………………………………… 158

IV.3

GROUP BY OCCUPATION CODE IV.3.1 OCCUPATION CODE 20 IV.3.2 OCCUPATION CODE 21 IV.3.3 OCCUPATION CODE 22 IV.3.4 OCCUPATION CODE 23 IV.3.5 OCCUPATION CODE 24 IV.3.6 OCCUPATION CODE 25 IV.3.7 OCCUPATION CODE 26 IV.3.8 OCCUPATION CODE 27 IV.3.9 OCCUPATION CODE 28 IV.3.10 OCCUPATION CODE 29 IV.3.11 OCCUPATION CODE 30 IV.3.12 OCCUPATION CODE 31 IV.3.13 OCCUPATION CODE 32 IV.3.14 OCCUPATION CODE 40

IV.4

154

159 160 161 162 163 164 165 166 167 168 169 170 171 172

GROUP BY PROVINCE IV.4.1 PROVINCE NANGROE ACEH DARUSSALAM ………………………………………173 IV.4.2 PROVINCE SUMATERA UTARA ………………………………………………………174 IV.4.3 PROVINCE SUMATERA BARAT ……………………………………………………… 175 IV.4.4 PROVINCE RIAU ……………………………………………………………………….. 176 IV.4.5 PROVINCE JAMBI ……………………………………………………………………… 177 IV.4.6 PROVINCE SUMATERA SELATAN …………………………………………………… 178 IV.4.7 PROVINCE BENGKULU …………………………………………………………………179 IV.4.8 PROVINCE LAMPUNG ……………………………………………………………………180 IV.4.9 PROVINCE DKI JAKARTA ……………………………………………………………… 181 IV.4.10 PROVINCE JAWA BARAT ……………………………………………………………… 182 IV.4.11 PROVINCE JAWA TENGAH …………………………………………………………… 183 IV.4.12 PROVINCE DI YOGYAKARTA ………………………………………………………… 184 IV.4.13 PROVINCE JAWA TIMUR ……………………………………………………………… 185 IV.4.14 PROVINCE KALIMANTAN BARAT …………………………………………………… 186 IV.4.15 PROVINCE KALIMANTAN TENGAH ……………………………………………………187 IV.4.16 PROVINCE KALIMANTAN SELATAN ………………………………………………… 188 IV.4.17 PROVINCE KALIMANTAN TIMUR ………………………………………………………189 IV.4.18 PROVINCE SULAWESI UTARA …………………………………………………………190 IV.4.19 PROVINCE SULAWESI TENGAH ………………………………………………………191 IV.4.20 PROVINCE SULAWESI SELATAN …………………………………………………… 192 IV.4.21 PROVINCE SULAWESI TENGGARA ………………………………………………… 193 IV.4.22 PROVINCE BALI ……………………………………………………………………….. 194 IV.4.23 PROVINCE NUSA TENGGARA BARAT ……………………………………………… 195 IV.4.24 PROVINCE NUSA TENGGARA TIMUR ……………………………………………… 196 IV.4.25 PROVINCE MALUKU …………………………………………………………………… 197 IV.4.26 PROVINCE IRIAN JAYA ………………………………………………………………… 198 IV.4.27 PROVINCE MALUKU UTARA ……………………………………………………………199 IV.4.28 PROVINCE IRIAN JAYA BARAT ……………………………………………………… 200 IV.4.29 PROVINCE BANTEN …………………………………………………………………… 201 IV.4.30 PROVINCE BANGKA BELITUNG ……………………………………………………… 202 IV.4.31 PROVINCE GORONTALO ……………………………………………………………… 203 IV.4.32 PROVINCE KEPULAUAN RIAU………………………………………………………… 204

GRAFIK BAGIAN V EXAMPLE FOR REAL OCCUPATION CODE

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 1040 PO.Box 2645

TABEL GABUNGAN

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 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:( 62-21 ) 3920101 Fax :( 62-21 ) 3911432 Website :http://www.reindo.co.id/bppdan/default.asp Email : bppdan@reindo.co.id

PERTUMBUHAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2006 - 2009 THE GROWTH OF POLICY, PREMIUM, CLAIM & LOSS RATIO FROM 2006 TO 2009 Premium and Claim in Million Rp

UY 2006 OCCUPATION CODE

Number

Premium

Policies

UY 2007

Number

Claim

% LOSS

Number

Claim

Incurred

RATIO

Policies

Premium

UY 2008

Number

Claim

% LOSS

Number

Claim

Incurred

RATIO

Policies

Premium

UY 2009

Number

Claim

% LOSS

Number

Claim

Incurred

RATIO

Policies

Premium

Number

Claim

% LOSS

Claim

Incurred

RATIO

993

8,598.71

67,645.41

786.69

958

7,315.45

306,488.71

4,189.61

1,240

39,238.02

66,957.04

170.64

1,148

10,538.18

6,062.73

21 - (Stones, Earth…etc)

1,810

8,990.65

58,865.05

654.74

1,955

15,204.41

22,092.57

145.30

2,056

12,053.52

53,502.39

443.87

1,970

12,177.74

550.00

4.52

22 - (Metals)

7,621

43,200.39

292

320,646.24

742.23

7,920

41,546.86

230

57,851.40

139.24

8,704

57,037.31

143

399,194.94

699.88

8,584

82,794.78

22,692.12

27.41

20 - (Mining,Drilling…etc)

57.53

9,940

83,795.43

379

346,037.83

412.96

9,363

76,175.26

323

312,723.16

410.53

10,941

87,774.21

206

38,590.76

43.97

10,100

97,075.33

15,666.12

16.14

13,442

61,266.66

486

476,853.21

778.32

13,863

66,403.26

351

146,756.94

221.01

14,752

78,083.84

267

78,947.59

101.11

13,656

64,360.86

2,961.02

4.60

L th R bb ) 25 - (P (Paper,Leather,Rubber)

9 259 9,259

57 396 85 57,396.85

311

184 349 49 184,349.49

321 18 321.18

9 368 9,368

66 008 45 66,008.45

172

208 118 74 208,118.74

315 29 315.29

10 174 10,174

137 334 60 137,334.60

148

241 013 68 241,013.68

175 49 175.49

9 436 9,436

80 553 14 80,553.14

6 468 53 6,468.53

8 03 8.03

26 - (Wood,Bamboo,Rattan)

7,590

76,315.29

218

189,891.07

248.82

7,272

75,200.18

152

49,572.00

65.92

7,823

77,847.56

108

59,634.25

76.60

6,909

62,660.35

9,319.85

14.87

19,958

68,505.77

434

153,430.36

223.97

21,708

78,842.29

496

200,430.02

254.22

27,263

94,453.50

401

289,083.80

306.06

24,096

67,197.64

47,407.45

70.55

588

136,160.26

131,984.61

96.93

519

310,963.11

103,912.49

33.42

4,939

7,589.40

64,029.49

843.67

672

6,804.32

0.00

29 - (Transport,Traffic…etc)

805,789

1,004,196.35

5,478

1,069,699.05

106.52

880,999

1,117,447.10

4,161

1,321,080.00

118.22

943,275

1,218,302.00

2,237

567,430.10

46.58

858,570

1,078,357.92

450 303,560.79

28.15

30 - (Estate Plantation Risk)

131

2,323.18

1,011.49

43.54

121

1,055.63

125.29

11.87

211

1,417.60

7.46

0.53

458

2,721.66

2,500.00

91.86

31 - ((Estate Plantation Risk))

537

, 19,697.49

, 2,501.18

12.70

714

, 5,635.51

, 2,325.94

41.27

634

, 16,346.60

709.64

4.34

946

, 7,042.22

, 1,421.33

20.18

32 - (Recreation Place)

121

2,563.12

329.04

12.84

161

5,977.14

1,589.54

26.59

108

2,321.37

986.56

42.50

157

4,820.02

463.71

9.62

40 - (Non Estate Plantation)

462

3,165.48

9,327.05

294.65

1,165

2,705.17

2,034.70

75.22

2,109

6,176.15

2,590.70

41.95

1,965

5,715.89

0.94

0.02

3,636 1,862,678.40

101.45

419,074.59

26.48

23 - (Chemical/Oils/Gas) 24 - (Textiles)

27 - (Nutritional,Drinks…etc) 28 - (Power and Heating)

878,241

1,576,175.63

7,931 3,012,571.08

191.13

956,086

1,870,479.82

6,176

2,735,101.50

146.22 1,034,229

1,835,975.68

938,667

1,582,820.05

615

Catatan/Note : 1. Posisi Data sampai dengan penerimaan 15 Desember 2009 (Data Position Until 15 December 2009) 2. Claim Incurred 2006 : Rp. 2.627.012.205.253,83,- (Settled = 7,247 Kasus) ,

Rp.

385.558.884.746,17,-

(Os Claim = 684 Kasus)

2007 : Rp. 2.547.561.168.969,84,- (Settled = 5,842 Kasus) ,

Rp.

187.540.391.030,16,-

(Os Claim = 334 Kasus)

2008 : Rp.

698.903.929.769,01,- (Settled = 3,045 Kasus) ,

Rp. 1.163.774.480.230,99,-

(Os Claim = 591 Kasus)

2009 : Rp.

89.822.704.860,40,- (Settled = 3.045 Kasus) ,

Rp.

(Os Claim = 286 Kasus)

329.251.895.139,60,-

PERTUMBUHAN DATA POLIS, POLIS PREMI, PREMI KLAIM & LOSS RATIO 2006 - 2009 THE GROWTH OF POLICY, PREMIUM, CLAIM & LOSS RATIO FROM 2006 TO 2009 Premium and Claim in Million Rp UY 2006 PROVINCE CODE

01 - Nangroe Aceh Darussalam

Number Policies

Premium

Number Claim

UY 2007 Claim Incurred

% LOSS RATIO

Number Policies

Premium

Number Claim

UY 2008 Claim Incurred

% LOSS RATIO

Number Policies

Premium

Number Claim

UY 2009 Claim Incurred

% LOSS RATIO

Number Policies

Premium

Number Claim

Claim Incurred

% LOSS RATIO

4,983

7,666.41

2,296.37

29.95

7,525

10,617.87

947.89

8.93

8,673

11,962.32

551.00

4.61

8,550

12,762.24

957.37

02 - Sumatera Utara

55,807

71,613.46

287

125,012.25

174.57

58,121

79,301.44

225

141,211.53

178.07

66,589

92,532.99

192

245,202.72

264.99

67,872

91,394.95

3,488.37

3.82

03 - Sumatera Barat

18,560

18,861.82

127

15,335.95

81.31

23,273

21,543.33

174

29,017.83

134.70

26,486

24,739.86

123,691.40

499.97

28,648

27,016.75

153

116,558.72

431.43

04 - Riau

25,438

35,289.92

15,123.33

42.85

29,625

39,289.27

15,916.67

40.51

33,655

45,704.19

16,478.13

36.05

34,735

53,387.40

224.88

0.42

05 - Jambi

10,400

12,795.72

2,760.81

21.58

11,734

12,658.02

981.84

7.76

12,911

15,578.82

1,390.45

8.93

11,209

14,106.23

1,349.78

9.57

06 - Sumatera Selatan

20,961

30,676.68

161

101,951.21

332.34

22,892

30,589.67

34,055.24

111.33

24,258

32,550.72

10,180.04

31.27

22,171

43,848.13

666.58

1.52

5,285

4,762.55

11,763.67

247.00

6,425

5,416.63

4,643.98

85.74

6,991

6,165.70

651.12

10.56

6,994

7,563.34

0.00

07 - Bengkulu 08 - Lampung

7.50

15,658

22,528.00

21,665.50

96.17

16,472

29,312.19

30,974.40

105.67

17,865

28,107.44

11,025.22

39.23

16,672

29,070.17

3,134.01

10.78

09 - DKI . Jakarta

198,741

467,836.90

3,518

1,167,865.48

249.63

207,570

729,669.56

2,085

912,463.73

125.05

219,845

473,953.69

973

306,496.84

64.67

190,821

352,996.25

110

129,265.98

36.62

10 - Jawa Barat

132,219

254,642.02

1,296

498,306.14

195.69

143,882

233,805.78

1,042

555,059.16

237.40

163,357

276,528.24

695

697,005.04

252.06

142,897

222,727.26

135

117,115.88

52.58

73,908

90,189.13

418

238,752.28

264.72

80,052

105,535.81

453

100,493.63

95.22

84,782

103,845.38

342

65,873.98

63.43

74,689

99,605.89

1,598.77

1.61

9,522

10,825.35

17,444.38

161.14

10,529

11,620.65

36,218.50

311.67

11,098

12,188.79

3,014.25

24.73

10,616

12,240.67

89.16

0.73

104,822

166,351.28

513

236,882.18

142.40

105,678

174,046.84

557

273,846.41

157.34

110,423

187,546.30

326

243,981.02

130.09

100,631

195,311.54

13,338.90

6.83

25,402

32,730.04

103

33,741.60

103.09

28,244

39,449.82

137

23,821.67

60.38

28,967

40,736.58

15,134.79

37.15

29,477

44,467.06

419.38

0.94

11 - Jawa Tengah 12 - DI . Yogyakarta 13 - Jawa Timur 14 - Kalimantan Barat 15 - Kalimantan Tengah

5,489

8,479.98

6,202.66

73.14

7,335

9,251.88

1,437.48

15.54

7,617

11,217.22

10,963.35

97.74

7,142

11,815.14

258.43

2.19

16 - Kalimantan Selatan

12,913

18,416.96

41,408.04

224.84

13,986

17,549.02

10,577.59

60.27

14,782

19,472.32

7,613.03

39.10

13,960

15,777.20

53.07

0.34

17 - Kalimantan Timur

20.63

20,048

40,798.06

20,434.62

50.09

22,279

43,567.45

11,571.29

26.56

22,721

90,395.50

15,489.67

17.14

22,050

53,941.31

11,127.84

l i Ut 18 - S Sulawesi Utara

8 787 8,787

15 399 22 15,399.22

12 991 26 12,991.26

84 36 84.36

10 410 10,410

14 675 07 14,675.07

9 746 54 9,746.54

66 42 66.42

11 316 11,316

27 740 14 27,740.14

5 402 47 5,402.47

19 48 19.48

9 845 9,845

15 470 44 15,470.44

1 148 68 1,148.68

7 42 7.42

19 - Sulawesi Tengah

5,652

8,985.29

6,573.15

73.15

6,639

10,258.13

485.29

4.73

6,691

11,341.72

1,132.36

9.98

5,255

9,545.95

52.99

0.56

20 - Sulawesi Selatan

24,190

31,960.10

9,840.65

30.79

27,929

41,443.43

9,726.98

23.47

29,452

40,676.41

5,492.30

13.50

26,304

37,286.32

142.42

0.38

3,454

4,953.71

12,254.24

247.37

4,062

4,933.69

3,722.12

75.44

4,674

5,808.56

4,485.76

77.23

3,779

4,806.06

0.00

0.00 2.24

21 - Sulawesi Tenggara 22 - Bali

19,028

40,399.53

117

34,787.55

86.11

19,635

33,425.64

138

14,401.97

43.09

23,595

42,909.00

7,523.79

17.53

20,646

37,314.00

835.11

23 - Nusa Tenggara Barat

5,903

6,703.92

2,962.07

44.18

6,468

9,108.50

1,897.16

20.83

6,483

8,037.04

1,118.47

13.92

6,443

7,666.77

72.52

0.95

24 - Nusa Tenggara Timur

3,674

5,796.23

342.39

5.91

4,445

6,172.72

2,184.22

35.39

4,993

7,690.39

260.08

3.38

5,117

7,479.80

0.00

5 - Maluku au u 25

, 0 1,201

,83 90 2,832.90

,093 2,093.41

3 90 73.90

, 5 1,451

3,0 9 0 3,079.70

60 83 60.83

98 1.98

,686 1,686

3,350 35 3,350.35

00 24.00

0 0.72

,656 1,656

3, 39 3,439.42

, 5 1,752.27

50 95 50.95

26 - Irian Jaya

3,287

8,796.15

5,095.61

57.93

3,864

9,074.60

2,348.63

25.88

5,341

11,334.23

230.17

2.03

5,364

12,640.81

210.75

1.67

700

1,816.10

131.66

7.25

937

2,592.13

422.65

16.31

1,168

3,325.82

15.64

0.47

1,028

2,815.45

0.00

27 - Maluku Utara 28 - Irian Jaya Barat

1,738

3,000.45

941.99

31.39

2,087

3,305.28

3,330.89

100.77

2,132

3,527.13

68.48

1.94

2,173

4,126.19

0.00

45,108

124,174.80

611

345,364.11

278.13

52,434

97,913.29

608

486,761.05

497.13

55,303

105,440.66

212

42,240.61

40.06

42,423

81,560.78

15,199.24

18.64

30 - Bangka Belitung

1,985

2,673.59

700.69

26.21

2,480

3,908.59

2,688.32

68.78

2,561

4,399.69

855.11

19.44

2,270

4,030.18

0.00

31 - Gorontalo

1,626

2,041.29

1,427.86

69.95

2,311

2,881.80

1,521.61

52.80

2,038

3,060.58

927.83

30.32

2,173

3,200.09

0.00

29 - Banten

32 - Kepulauan Riau

11,752

22,178.08

878,241

1,576,175.64

7,931

20,117.99 3,012,571.10

90.71 191.13

15,312 956,086

34,482.01 1,870,479.81

Catatan/Note : 1. Posisi Data sampai dengan penerimaan 15 Desember 2009 (Data Position Until 15 December 2009) 2. Claim Incurred 2006 : Rp. 2.627.012.205.253,83,- (Settled = 7,247 Kasus) , Rp. 385.558.884.746,17,2007 : Rp. 2.547.561.168.969,84,- (Settled = 5,842 Kasus) , Rp. 187.540.391.030,16,2008 : Rp. 698.903.929.769,01,- (Settled = 3,045 Kasus) , Rp. 1.163.774.480.230,99,2009 : Rp. 89.822.704.860,40,- (Settled = 3.045 Kasus) , Rp. 329.251.895.139,60,-

61 6,176

12,564.47

36.44

2,735,101.57

146.22

15,776 1,034,229

84,107.88

1,835,975.66

3,636

18,159.30 1,862,678.42

21.59 101.45

15,057 938,667

63,406.28 1,582,820.07

4 615

13.49

0.20

419,074.59

26.48

(Os Claim = 684 Kasus) (Os Claim = 334 Kasus) (Os Claim = 591 Kasus) (Os Claim = 286 Kasus)

RISK AND LOSS PROFILE 2006

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

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: All Code

BAND

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

SUM INSURED Mid Points (In Million) From To 0 50 50 100 100 200 200 300 300 500 500 750 750 1,000 1,000 1,500 1,500 2,000 2,000 2,500 2,500 3,000 3,000 4,000 4,000 5,000 5,000 7,500 7,500 10,000 10,000 20,000 20,000 50,000 50,000 100,000 100,000 500,000 500,000 Up TOTAL

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

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

158,287 142,385 166,432 99,659 107,521 53,457 38,528 30,089 16,838 9,396 7,408 8,926 5,831 7,507 4,843 7,378 6,400 3,059 3,199 1,098 878,241

DATA POSITION FROM

158,287 300,672 467,104 566,763 674,284 727,741 766,269 796,358 813,196 822,592 830,000 838,926 844,757 852,264 857,107 864,485 870,885 873,944 877,143 878,241

18.02 18.02 16.21 34.24 18.95 53.19 11.35 64.53 12.24 76.78 6.09 82.86 4.39 87.25 3.43 90.68 1.92 92.59 1.07 93.66 0.84 94.51 1.02 95.52 0.66 96.19 0.85 97.04 0.55 97.59 0.84 98.43 0.73 99.16 0.35 99.51 0.36 99.87 0.13 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 65,322.91 32,170.99 65,293.86 60,947.31 102,641.67 74,208.85 73,482.54 76,762.24 55,995.60 35,521.45 35,945.73 51,844.03 41,816.86 70,033.14 54,372.10 153,999.79 110,100.77 62,404.41 94,272.26 259,039.11 1,576,175.63

65,322.91 4.14 4.14 97,493.90 2.04 6.19 162,787.76 4.14 10.33 223,735.07 3.87 14.19 326,376.74 6.51 20.71 400,585.60 4.71 25.42 474,068.14 4.66 30.08 550,830.38 4.87 34.95 606,825.98 3.55 38.50 642,347.44 2.25 40.75 678,293.17 2.28 43.03 730,137.20 3.29 46.32 771,954.06 2.65 48.98 841,987.19 4.44 53.42 896,359.29 3.45 56.87 1,050,359.08 9.77 66.64 1,160,459.86 6.99 73.63 1,222,864.26 3.96 77.58 1,317,136.52 5.98 83.57 1,576,175.63 16.43 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

833 300 479 470 671 430 360 380 226 191 136 241 171 309 201 513 536 423 643 418 7,931

833 1,133 1,612 2,082 2,753 3,183 3,543 3,923 4,149 4,340 4,476 4,717 4,888 5,197 5,398 5,911 6,447 6,870 7,513 7,931

10.50 10.50 3.78 14.29 6.04 20.33 5.93 26.25 8.46 34.71 5.42 40.13 4.54 44.67 4.79 49.46 2.85 52.31 2.41 54.72 1.71 56.44 3.04 59.48 2.16 61.63 3.90 65.53 2.53 68.06 6.47 74.53 6.76 81.29 5.33 86.62 8.11 94.73 5.27 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE RP BAND CUM. BAND CUM

385,199.14 16,589.45 22,330.62 36,768.78 52,592.38 68,827.83 48,052.10 42,374.54 55,093.35 25,935.16 44,234.10 115,712.12 37,119.25 102,992.67 77,132.05 172,914.76 408,297.11 274,859.24 473,077.49 552,468.94 3,012,571.09

385,199.14 401,788.60 424,119.21 460,888.00 513,480.38 582,308.21 630,360.31 672,734.85 727,828.20 753,763.36 797,997.46 913,709.58 950,828.82 1,053,821.49 1,130,953.54 1,303,868.31 1,712,165.42 1,987,024.66 2,460,102.15 3,012,571.09

12.79 0.55 0.74 1.22 1.75 2.28 1.60 1.41 1.83 0.86 1.47 3.84 1.23 3.42 2.56 5.74 13.55 9.12 15.70 18.34

12.79 13.34 14.08 15.30 17.04 19.33 20.92 22.33 24.16 25.02 26.49 30.33 31.56 34.98 37.54 43.28 56.83 65.96 81.66 100.00

589.68 51.57 34.20 60.33 51.24 92.75 65.39 55.20 98.39 73.01 123.06 223.19 88.77 147.06 141.86 112.28 370.84 440.45 501.82 213.28

589.68 412.12 260.54 206.00 157.33 145.36 132.97 122.13 119.94 117.35 117.65 125.14 123.17 125.16 126.17 124.14 147.54 162.49 186.78 191.13

191.13

Page 1 of 204

RISK AND LOSS PROFILE 2006 GROUP BY CLASS OF BUSINESS

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

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: FIRE

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1 0 50 25 137,066 2 50 100 75 135,320 3 100 200 150 154,527 4 200 300 250 90,297 5 300 500 400 93,752 6 500 750 625 44,131 7 750 1,000 875 30,344 8 1,000 1,500 1,250 21,839 9 1,500 2,000 1,750 11,424 10 2,000 2,500 2,250 5,908 11 2,500 3,000 2,750 4,505 12 3,000 4,000 3,500 4,873 13 4,000 5,000 4,500 3,084 14 5,000 7,500 6,250 3,600 15 7,500 10,000 8,750 2,092 16 10,000 20,000 15,000 2,778 17 20,000 50,000 35,000 2,027 18 50,000 100,000 75,000 753 19 100,000 500,000 300,000 702 20 500,000 Up 248 TOTAL

PROCESSING

749,270

137,066 272,386 426,913 517,210 610,962 655,093 685,437 707,276 718,700 724,608 729,113 733,986 737,070 740,670 742,762 745,540 747,567 748,320 749,022 749,270

18.29 18.06 20.62 12.05 12.51 5.89 4.05 2.91 1.52 0.79 0.60 0.65 0.41 0.48 0.28 0.37 0.27 0.10 0.09 0.03

18.29 36.35 56.98 69.03 81.54 87.43 91.48 94.40 95.92 96.71 97.31 97.96 98.37 98.85 99.13 99.50 99.77 99.87 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 39,305.81 30,787.35 62,201.70 58,591.88 94,189.16 65,773.06 62,641.29 62,098.29 43,459.99 26,574.25 25,511.16 34,245.99 25,771.60 37,967.75 26,449.65 49,684.90 47,301.40 18,383.17 30,061.83 8,586.45 849,586.69

39,305.81 4.63 4.63 70,093.17 3.62 8.25 132,294.86 7.32 15.57 190,886.74 6.90 22.47 285,075.90 11.09 33.55 350,848.96 7.74 41.30 413,490.25 7.37 48.67 475,588.54 7.31 55.98 519,048.54 5.12 61.09 545,622.78 3.13 64.22 571,133.94 3.00 67.22 605,379.93 4.03 71.26 631,151.54 3.03 74.29 669,119.29 4.47 78.76 695,568.94 3.11 81.87 745,253.84 5.85 87.72 792,555.24 5.57 93.29 810,938.41 2.16 95.45 841,000.24 3.54 98.99 849,586.69 1.01 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

354 216 250 247 297 182 163 178 94 56 62 118 63 125 58 154 147 88 127 45 3,024

354 11.71 11.71 570 7.14 18.85 820 8.27 27.12 1,067 8.17 35.28 1,364 9.82 45.11 1,546 6.02 51.12 1,709 5.39 56.51 1,887 5.89 62.40 1,981 3.11 65.51 2,037 1.85 67.36 2,099 2.05 69.41 2,217 3.90 73.31 2,280 2.08 75.40 2,405 4.13 79.53 2,463 1.92 81.45 2,617 5.09 86.54 2,764 4.86 91.40 2,852 2.91 94.31 2,979 4.20 98.51 3,024 1.49 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) PERCENTAGE RP BAND CUM.

162,435.04 14,718.29 15,011.16 27,523.17 27,414.95 55,677.22 33,997.58 24,596.36 19,186.14 10,397.87 17,905.93 45,676.09 22,075.77 52,285.41 25,246.69 52,862.88 157,200.39 57,661.91 33,539.52 176,827.90 1,032,240.26

162,435.04 15.74 177,153.33 1.43 192,164.49 1.45 219,687.66 2.67 247,102.61 2.66 302,779.83 5.39 336,777.41 3.29 361,373.77 2.38 380,559.91 1.86 390,957.78 1.01 408,863.71 1.73 454,539.80 4.42 476,615.57 2.14 528,900.98 5.07 554,147.67 2.45 607,010.55 5.12 764,210.94 15.23 821,872.85 5.59 855,412.36 3.25 1,032,240.26 17.13

15.74 17.16 18.62 21.28 23.94 29.33 32.63 35.01 36.87 37.87 39.61 44.03 46.17 51.24 53.68 58.81 74.03 79.62 82.87 100.00

LOSS RATIO PERCENTAGE BAND CUM 413.26 47.81 24.13 46.97 29.11 84.65 54.27 39.61 44.15 39.13 70.19 133.38 85.66 137.71 95.45 106.40 332.34 313.67 111.57 2059.38

413.26 252.74 145.25 115.09 86.68 86.30 81.45 75.98 73.32 71.65 71.59 75.08 75.52 79.04 79.67 81.45 96.42 101.35 101.71 121.50

121.50

Page 2 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: I.A.R

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: All Code

BAND

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

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

14,534 4,821 8,096 6,802 9,729 6,592 5,834 5,751 3,676 2,314 1,872 2,548 1,760 2,582 1,675 2,917 2,682 1,415 1,443 456 87,499

14,534 19,355 27,451 34,253 43,982 50,574 56,408 62,159 65,835 68,149 70,021 72,569 74,329 76,911 78,586 81,503 84,185 85,600 87,043 87,499

16.61 5.51 9.25 7.77 11.12 7.53 6.67 6.57 4.20 2.64 2.14 2.91 2.01 2.95 1.91 3.33 3.07 1.62 1.65 0.52

16.61 22.12 31.37 39.15 50.27 57.80 64.47 71.04 75.24 77.89 80.02 82.94 84.95 87.90 89.81 93.15 96.21 97.83 99.48 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 15,087.48 1,013.40 2,334.60 1,463.99 6,560.43 6,363.36 8,750.42 11,486.55 9,614.22 8,507.80 8,156.15 13,115.59 12,686.02 26,271.07 22,602.53 49,552.68 41,751.27 30,365.23 43,255.47 184,255.35 503,193.63

15,087.48 3.00 3.00 16,100.88 0.20 3.20 18,435.49 0.46 3.66 19,899.47 0.29 3.95 26,459.91 1.30 5.26 32,823.27 1.26 6.52 41,573.69 1.74 8.26 53,060.24 2.28 10.54 62,674.46 1.91 12.46 71,182.27 1.69 14.15 79,338.42 1.62 15.77 92,454.01 2.61 18.37 105,140.03 2.52 20.89 131,411.10 5.22 26.12 154,013.63 4.49 30.61 203,566.31 9.85 40.45 245,317.59 8.30 48.75 275,682.81 6.03 54.79 318,938.28 8.60 63.38 503,193.63 36.62 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

462 80 220 217 366 242 192 192 128 131 71 120 103 172 132 346 376 317 499 366 4,732

462 542 762 979 1,345 1,587 1,779 1,971 2,099 2,230 2,301 2,421 2,524 2,696 2,828 3,174 3,550 3,867 4,366 4,732

9.76 9.76 1.69 11.45 4.65 16.10 4.59 20.69 7.73 28.42 5.11 33.54 4.06 37.60 4.06 41.65 2.70 44.36 2.77 47.13 1.50 48.63 2.54 51.16 2.18 53.34 3.63 56.97 2.79 59.76 7.31 67.08 7.95 75.02 6.70 81.72 10.55 92.27 7.73 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 220,121.07 1,840.52 6,075.50 8,681.89 24,976.35 12,634.03 13,974.40 17,446.62 35,821.16 15,420.32 26,006.27 69,726.62 14,942.52 49,099.76 50,448.69 119,213.71 250,123.08 211,481.44 418,177.80 374,828.73 1,941,040.47

220,121.07 221,961.59 228,037.09 236,718.98 261,695.34 274,329.36 288,303.76 305,750.38 341,571.54 356,991.86 382,998.13 452,724.75 467,667.27 516,767.03 567,215.72 686,429.42 936,552.51 1,148,033.94 1,566,211.74 1,941,040.47

11.34 11.34 0.09 11.44 0.31 11.75 0.45 12.20 1.29 13.48 0.65 14.13 0.72 14.85 0.90 15.75 1.85 17.60 0.79 18.39 1.34 19.73 3.59 23.32 0.77 24.09 2.53 26.62 2.60 29.22 6.14 35.36 12.89 48.25 10.90 59.15 21.54 80.69 19.31 100.00

1458.9 181.62 260.24 593.03 380.71 198.54 159.70 151.89 372.59 181.25 318.85 531.63 117.79 186.90 223.20 240.58 599.08 696.46 966.76 203.43

1458.9 1378.5 1236.9 1189.5 989.03 835.78 693.48 576.23 544.99 501.52 482.74 489.68 444.80 393.24 368.29 337.20 381.77 416.43 491.07 385.74

385.74

Page 3 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: L.O.P

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: All Code

BAND

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

SUM INSURED (In Million) From To 0 50 50 100 100 200 200 300 300 500 500 750 750 1,000 1,000 1,500 1,500 2,000 2,000 2,500 2,500 3,000 3,000 4,000 4,000 5,000 5,000 7,500 7,500 10,000 10,000 20,000 20,000 50,000 50,000 100,000 100,000 500,000 500,000 Up TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

24 8 10 7 10 7 7 9 10 7 7 227 13 17 28 58 63 26 41 10 589

24 32 42 49 59 66 73 82 92 99 106 333 346 363 391 449 512 538 579 589

4.07 1.36 1.70 1.19 1.70 1.19 1.19 1.53 1.70 1.19 1.19 38.54 2.21 2.89 4.75 9.85 10.70 4.41 6.96 1.70

4.07 5.43 7.13 8.32 10.02 11.21 12.39 13.92 15.62 16.81 18.00 56.54 58.74 61.63 66.38 76.23 86.93 91.34 98.30 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 78.43 1.37 2.92 87.80 5.62 5.89 -116.3 7.88 20.53 20.72 16.60 979.29 72.90 -64.97 -167.51 189.63 734.76 47.40 1,117.73 79.00 3,119.66

78.43 2.51 2.51 79.80 0.04 2.56 82.72 0.09 2.65 170.52 2.81 5.47 176.14 0.18 5.65 182.03 0.19 5.84 65.73 -3.73 2.11 73.61 0.25 2.36 94.13 0.66 3.02 114.85 0.66 3.68 131.45 0.53 4.21 1,110.74 31.39 35.60 1,183.64 2.34 37.94 1,118.67 -2.08 35.86 951.15 -5.37 30.49 1,140.78 6.08 36.57 1,875.54 23.55 60.12 1,922.94 1.52 61.64 3,040.66 35.83 97.47 3,119.66 2.53 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 5 0 6 9 3 25

0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 7 7 13 22 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.00 8.00 20.00 28.00 0.00 28.00 24.00 52.00 36.00 88.00 12.00 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP 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 0.00 682.59 327.53 0.00 1,896.13 16,458.47 510.27 19,874.98

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 682.59 3.43 1,010.11 1.65 1,010.11 0.00 2,906.24 9.54 19,364.71 82.81 19,874.98 2.57

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 3.43 5.08 5.08 14.62 97.43 100.00

LOSS RATIO PERCENTAGE 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 -407.48 172.72 0.00 4000.19 1472.50 645.94

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 0.00 71.76 88.55 53.86 151.14 636.86 637.09

637.09

Page 4 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: Earthquake

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: All Code

BAND

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

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

6,663 2,236 3,799 2,553 4,030 2,727 2,343 2,490 1,728 1,167 1,024 1,278 974 1,308 1,048 1,625 1,628 865 1,013 384 40,883

6,663 8,899 12,698 15,251 19,281 22,008 24,351 26,841 28,569 29,736 30,760 32,038 33,012 34,320 35,368 36,993 38,621 39,486 40,499 40,883

16.30 5.47 9.29 6.24 9.86 6.67 5.73 6.09 4.23 2.85 2.50 3.13 2.38 3.20 2.56 3.97 3.98 2.12 2.48 0.94

16.30 21.77 31.06 37.30 47.16 53.83 59.56 65.65 69.88 72.73 75.24 78.37 80.75 83.95 86.51 90.49 94.47 96.58 99.06 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 10,851.19 368.86 754.64 803.65 1,886.46 2,066.54 2,207.13 3,169.53 2,900.87 418.68 2,261.82 3,503.16 3,286.33 5,859.29 5,487.43 54,572.59 20,313.34 13,608.61 19,837.24 66,118.31

10,851.19 4.93 4.93 11,220.05 0.17 5.09 11,974.69 0.34 5.44 12,778.34 0.36 5.80 14,664.80 0.86 6.66 16,731.34 0.94 7.60 18,938.46 1.00 8.60 22,107.99 1.44 10.04 25,008.85 1.32 11.35 25,427.53 0.19 11.54 27,689.36 1.03 12.57 31,192.52 1.59 14.16 34,478.84 1.49 15.65 40,338.13 2.66 18.31 45,825.57 2.49 20.80 100,398.15 24.77 45.58 120,711.49 9.22 54.80 134,320.10 6.18 60.98 154,157.34 9.01 69.98 220,275.65 30.02 100.00

220,275.65

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

17 4 9 6 8 6 5 10 4 4 3 3 5 12 9 8 13 12 8 4

2,643.03 30.64 1,243.96 563.73 201.07 516.58 80.11 331.57 86.04 116.96 321.90 309.41 100.96 1,607.50 754.09 510.64 973.64 3,819.77 4,901.71 302.04

150

17 21 30 36 44 50 55 65 69 73 76 79 84 96 105 113 126 138 146 150

11.33 11.33 2.67 14.00 6.00 20.00 4.00 24.00 5.33 29.33 4.00 33.33 3.33 36.67 6.67 43.33 2.67 46.00 2.67 48.67 2.00 50.67 2.00 52.67 3.33 56.00 8.00 64.00 6.00 70.00 5.33 75.33 8.67 84.00 8.00 92.00 5.33 97.33 2.67 100.00

19,415.37

2,643.03 13.61 2,673.67 0.16 3,917.63 6.41 4,481.36 2.90 4,682.43 1.04 5,199.02 2.66 5,279.13 0.41 5,610.70 1.71 5,696.75 0.44 5,813.71 0.60 6,135.61 1.66 6,445.02 1.59 6,545.98 0.52 8,153.48 8.28 8,907.57 3.88 9,418.22 2.63 10,391.86 5.01 14,211.63 19.67 19,113.34 25.25 19,415.37 1.56

13.61 24.36 13.77 8.31 20.18 164.84 23.08 70.15 24.12 10.66 26.78 25.00 27.19 3.63 28.90 10.46 29.34 2.97 29.94 27.94 31.60 14.23 33.20 8.83 33.72 3.07 41.99 27.44 45.88 13.74 48.51 0.94 53.52 4.79 73.20 28.07 98.44 24.71 100.00 0.46

24.36 23.83 32.72 35.07 31.93 31.07 27.88 25.38 22.78 22.86 22.16 20.66 18.99 20.21 19.44 9.38 8.61 10.58 12.40 8.81

8.81

Page 5 of 204

Page 1 of 1

RISK AND LOSS PROFILE 2006 GROUP BY OCCUPATION CODE

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

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 20

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

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

BAND

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

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 192 28 48 31 59 32 38 33 28 24 20 38 30 35 32 55 85 56 73 56 993

192 220 268 299 358 390 428 461 489 513 533 571 601 636 668 723 808 864 937 993

19.34 2.82 4.83 3.12 5.94 3.22 3.83 3.32 2.82 2.42 2.01 3.83 3.02 3.52 3.22 5.54 8.56 5.64 7.35 5.64

19.34 22.16 26.99 30.11 36.05 39.27 43.10 46.42 49.24 51.66 53.68 57.50 60.52 64.05 67.27 72.81 81.37 87.01 94.36 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 758.72 5.09 13.38 136.74 41.65 28.76 64.13 84.57 58.59 54.70 103.99 168.23 154.62 222.28 262.40 1,003.87 1,657.49 815.94 1,322.53 1,641.02 8,598.71

758.72 763.81 777.19 913.93 955.58 984.34 1,048.47 1,133.04 1,191.63 1,246.33 1,350.32 1,518.55 1,673.17 1,895.46 2,157.85 3,161.72 4,819.22 5,635.16 6,957.69 8,598.71

8.82 8.82 0.06 8.88 0.16 9.04 1.59 10.63 0.48 11.11 0.33 11.45 0.75 12.19 0.98 13.18 0.68 13.86 0.64 14.49 1.21 15.70 1.96 17.66 1.80 19.46 2.59 22.04 3.05 25.10 11.67 36.77 19.28 56.05 9.49 65.53 15.38 80.92 19.08 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 19 0 0 0 0 1 0 0 0 1 0 0 0 1 4 5 11 3 7 26 78

19 19 19 19 19 20 20 20 20 21 21 21 21 22 26 31 42 45 52 78

24.36 24.36 0.00 24.36 0.00 24.36 0.00 24.36 0.00 24.36 1.28 25.64 0.00 25.64 0.00 25.64 0.00 25.64 1.28 26.92 0.00 26.92 0.00 26.92 0.00 26.92 1.28 28.21 5.13 33.33 6.41 39.74 14.10 53.85 3.85 57.69 8.97 66.67 33.33 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 12,533.15 0.00 0.00 0.00 0.00 0.50 0.00 0.00 0.00 705.00 0.00 0.00 0.00 107.19 1,265.39 4,462.58 19,725.04 2,282.73 1,892.19 24,671.64 67,645.41

12,533.15 12,533.15 12,533.15 12,533.15 12,533.15 12,533.65 12,533.65 12,533.65 12,533.65 13,238.65 13,238.65 13,238.65 13,238.65 13,345.83 14,611.23 19,073.81 38,798.84 41,081.57 42,973.76 67,645.41

18.5 18.53 0.00 18.53 0.00 18.53 0.00 18.53 0.00 18.53 0.00 18.53 0.00 18.53 0.00 18.53 0.00 18.53 1.04 19.57 0.00 19.57 0.00 19.57 0.00 19.57 0.16 19.73 1.87 21.60 6.60 28.20 29.1 57.36 3.37 60.73 2.80 63.53 36.4 100.00

1651.88 0.00 0.00 0.00 0.00 1.74 0.00 0.00 0.00 1288.90 0.00 0.00 0.00 48.22 482.25 444.54 1190.05 279.77 143.07 1503.43

1651.8 1640.8 1612.6 1371.3 1311.5 1273.3 1195.4 1106.2 1051.8 1062.2 980.41 871.80 791.23 704.10 677.12 603.27 805.09 729.02 617.64 786.69

786.69

Page 6 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Stone,Earth,(Animal) Bons or Shells

BAND

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

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 240 79 125 88 109 79 91 76 54 51 51 73 51 75 69 112 163 73 104 47

1,810

240 319 444 532 641 720 811 887 941 992 1,043 1,116 1,167 1,242 1,311 1,423 1,586 1,659 1,763 1,810

13.26 4.36 6.91 4.86 6.02 4.36 5.03 4.20 2.98 2.82 2.82 4.03 2.82 4.14 3.81 6.19 9.01 4.03 5.75 2.60

13.26 17.62 24.53 29.39 35.41 39.78 44.81 49.01 51.99 54.81 57.62 61.66 64.48 68.62 72.43 78.62 87.62 91.66 97.40 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 539.02 19.49 39.21 41.15 100.58 88.00 137.29 166.90 121.12 153.43 174.41 246.07 195.92 372.26 490.50 1,092.32 1,648.87 831.12 1,503.78 1,029.22 8,990.65

539.02 558.51 597.72 638.87 739.45 827.45 964.73 1,131.64 1,252.76 1,406.18 1,580.59 1,826.66 2,022.58 2,394.84 2,885.34 3,977.66 5,626.53 6,457.65 7,961.43 8,990.65

6.00 6.00 0.22 6.21 0.44 6.65 0.46 7.11 1.12 8.22 0.98 9.20 1.53 10.73 1.86 12.59 1.35 13.93 1.71 15.64 1.94 17.58 2.74 20.32 2.18 22.50 4.14 26.64 5.46 32.09 12.15 44.24 18.34 62.58 9.24 71.83 16.73 88.55 11.45 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 15 0 0 1 2 1 2 1 1 0 1 4 1 10 0 7 11 7 10 18 92

15 15 15 16 18 19 21 22 23 23 24 28 29 39 39 46 57 64 74 92

16.30 16.30 0.00 16.30 0.00 16.30 1.09 17.39 2.17 19.57 1.09 20.65 2.17 22.83 1.09 23.91 1.09 25.00 0.00 25.00 1.09 26.09 4.35 30.43 1.09 31.52 10.87 42.39 0.00 42.39 7.61 50.00 11.96 61.96 7.61 69.57 10.87 80.43 19.57 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 12,205.76 0.00 0.00 2.02 11.94 17.93 13.18 42.00 1.29 0.00 10.53 75.86 12.35 9,098.10 0.00 1,465.07 1,657.70 14,730.56 6,497.03 13,023.72 58,865.05

12,205.76 12,205.76 12,205.76 12,207.78 12,219.72 12,237.65 12,250.82 12,292.82 12,294.11 12,294.11 12,304.64 12,380.50 12,392.86 21,490.96 21,490.96 22,956.03 24,613.73 39,344.30 45,841.33 58,865.05

20.74 0.00 0.00 0.00 0.02 0.03 0.02 0.07 0.00 0.00 0.02 0.13 0.02 15.46 0.00 2.49 2.82 25.02 11.04 22.12

20.74 20.74 20.74 20.74 20.76 20.79 20.81 20.88 20.89 20.89 20.90 21.03 21.05 36.51 36.51 39.00 41.81 66.84 77.88 100.00

2264.4 0.00 0.00 4.91 11.87 20.37 9.60 25.16 1.06 0.00 6.04 30.83 6.31 2444.0 0.00 134.12 100.54 1772.3 432.05 1265.4

2264.4 2185.4 2042.0 1910.8 1652.5 1478.9 1269.8 1086.2 981.36 874.29 778.48 677.77 612.73 897.39 744.83 577.12 437.46 609.27 575.79 654.74

654.74

Page 7 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Metals

BAND

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

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 745 302 429 332 514 423 390 495 335 256 211 300 263 390 268 548 569 373 355 123

7,621

745 1,047 1,476 1,808 2,322 2,745 3,135 3,630 3,965 4,221 4,432 4,732 4,995 5,385 5,653 6,201 6,770 7,143 7,498 7,621

9.78 3.96 5.63 4.36 6.74 5.55 5.12 6.50 4.40 3.36 2.77 3.94 3.45 5.12 3.52 7.19 7.47 4.89 4.66 1.61

9.78 13.74 19.37 23.72 30.47 36.02 41.14 47.63 52.03 55.39 58.16 62.09 65.54 70.66 74.18 81.37 88.83 93.73 98.39 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,945.86 100.55 196.16 169.45 413.83 407.21 575.02 892.98 866.15 817.59 902.50 1,349.38 1,351.89 2,491.02 2,301.70 5,880.97 7,778.90 5,095.34 6,997.02 1,666.86 43,200.39

2,945.86 3,046.41 3,242.56 3,412.02 3,825.85 4,233.06 4,808.08 5,701.06 6,567.22 7,384.80 8,287.30 9,636.68 10,988.57 13,479.59 15,781.29 21,662.26 29,441.16 34,536.50 41,533.52 43,200.39

6.82 6.82 0.23 7.05 0.45 7.51 0.39 7.90 0.96 8.86 0.94 9.80 1.33 11.13 2.07 13.20 2.00 15.20 1.89 17.09 2.09 19.18 3.12 22.31 3.13 25.44 5.77 31.20 5.33 36.53 13.61 50.14 18.01 68.15 11.79 79.94 16.20 96.14 3.86 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 43 2 1 3 0 0 4 2 1 6 4 7 4 14 7 28 35 38 68 25

292

43 45 46 49 49 49 53 55 56 62 66 73 77 91 98 126 161 199 267 292

14.73 14.73 0.68 15.41 0.34 15.75 1.03 16.78 0.00 16.78 0.00 16.78 1.37 18.15 0.68 18.84 0.34 19.18 2.05 21.23 1.37 22.60 2.40 25.00 1.37 26.37 4.79 31.16 2.40 33.56 9.59 43.15 11.99 55.14 13.01 68.15 23.29 91.44 8.56 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 71,912.95 242.33 58.35 994.15 0.00 0.00 520.25 130.79 15.56 66.66 2,008.33 2,283.81 364.98 -740.34 1,974.97 4,626.96 30,857.61 31,534.32 143,062.93 30,731.64 320,646.24

71,912.95 22.43 72,155.28 0.08 72,213.64 0.02 73,207.79 0.31 73,207.79 0.00 73,207.79 0.00 73,728.03 0.16 73,858.83 0.04 73,874.39 0.00 73,941.04 0.02 75,949.37 0.63 78,233.18 0.71 78,598.16 0.11 77,857.81 -0.23 79,832.79 0.62 84,459.75 1.44 115,317.36 9.62 146,851.68 9.83 289,914.61 44.62 320,646.24 9.58

22.43 22.50 22.52 22.83 22.83 22.83 22.99 23.03 23.04 23.06 23.69 24.40 24.51 24.28 24.90 26.34 35.96 45.80 90.42 100.00

2441.1 241.01 29.75 586.69 0.00 0.00 90.47 14.65 1.80 8.15 222.53 169.25 27.00 -29.72 85.80 78.68 396.68 618.89 2044.6 1843.6

2441.1 2368.5 2227.0 2145.5 1913.5 1729.4 1533.4 1295.5 1124.9 1001.2 916.45 811.83 715.27 577.60 505.87 389.89 391.69 425.21 698.03 742.23

742.23

Page 8 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Chemical / Oils / Gas

BAND

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

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 974 269 391 617 722 589 578 702 470 389 390 438 356 529 403 662 654 291 350 166

9,940

974 1,243 1,634 2,251 2,973 3,562 4,140 4,842 5,312 5,701 6,091 6,529 6,885 7,414 7,817 8,479 9,133 9,424 9,774 9,940

9.80 2.71 3.93 6.21 7.26 5.93 5.81 7.06 4.73 3.91 3.92 4.41 3.58 5.32 4.05 6.66 6.58 2.93 3.52 1.67

9.80 12.51 16.44 22.65 29.91 35.84 41.65 48.71 53.44 57.35 61.28 65.68 69.27 74.59 78.64 85.30 91.88 94.81 98.33 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,909.61 123.09 280.60 454.89 1,051.03 1,232.15 1,416.60 2,666.99 1,910.56 1,560.34 2,002.52 2,717.79 2,494.14 5,131.30 4,490.95 9,660.97 11,768.92 6,580.91 9,137.17 15,204.92 83,795.43

3,909.61 4,032.70 4,313.30 4,768.19 5,819.22 7,051.37 8,467.96 11,134.95 13,045.51 14,605.85 16,608.36 19,326.15 21,820.29 26,951.60 31,442.54 41,103.51 52,872.43 59,453.33 68,590.50 83,795.43

4.67 4.67 0.15 4.81 0.33 5.15 0.54 5.69 1.25 6.94 1.47 8.41 1.69 10.11 3.18 13.29 2.28 15.57 1.86 17.43 2.39 19.82 3.24 23.06 2.98 26.04 6.12 32.16 5.36 37.52 11.53 49.05 14.04 63.10 7.85 70.95 10.90 81.85 18.15 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 40 1 3 6 11 11 8 12 23 11 13 16 11 21 21 50 56 24 33 8

379

40 41 44 50 61 72 80 92 115 126 139 155 166 187 208 258 314 338 371 379

10.55 10.55 0.26 10.82 0.79 11.61 1.58 13.19 2.90 16.09 2.90 19.00 2.11 21.11 3.17 24.27 6.07 30.34 2.90 33.25 3.43 36.68 4.22 40.90 2.90 43.80 5.54 49.34 5.54 54.88 13.19 68.07 14.78 82.85 6.33 89.18 8.71 97.89 2.11 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 47,900.95 20.56 99.66 749.16 859.88 407.24 1,535.69 2,135.17 2,838.68 2,600.02 4,725.77 4,182.12 4,882.26 10,992.96 5,162.46 41,820.86 77,712.85 29,685.61 68,141.43 39,584.51 346,037.83

47,900.95 47,921.51 48,021.17 48,770.33 49,630.21 50,037.45 51,573.14 53,708.31 56,546.98 59,147.01 63,872.78 68,054.90 72,937.16 83,930.12 89,092.58 130,913.44 208,626.29 238,311.90 306,453.32 346,037.83

13.84 0.01 0.03 0.22 0.25 0.12 0.44 0.62 0.82 0.75 1.37 1.21 1.41 3.18 1.49 12.09 22.46 8.58 19.69 11.44

13.84 13.85 13.88 14.09 14.34 14.46 14.90 15.52 16.34 17.09 18.46 19.67 21.08 24.25 25.75 37.83 60.29 68.87 88.56 100.00

1225.2 16.70 35.52 164.69 81.81 33.05 108.41 80.06 148.58 166.63 235.99 153.88 195.75 214.23 114.95 432.88 660.32 451.09 745.76 260.34

1225.2 1188.3 1113.3 1022.8 852.87 709.61 609.04 482.34 433.46 404.95 384.58 352.14 334.26 311.41 283.35 318.50 394.58 400.84 446.79 412.96

412.96

Page 9 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Textiles

BAND

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

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,159 901 1,644 1,336 1,655 1,069 861 729 522 337 299 363 271 348 250 502 490 282 303 121 13,442

1,159 2,060 3,704 5,040 6,695 7,764 8,625 9,354 9,876 10,213 10,512 10,875 11,146 11,494 11,744 12,246 12,736 13,018 13,321 13,442

8.62 6.70 12.23 9.94 12.31 7.95 6.41 5.42 3.88 2.51 2.22 2.70 2.02 2.59 1.86 3.73 3.65 2.10 2.25 0.90

8.62 15.33 27.56 37.49 49.81 57.76 64.16 69.59 73.47 75.98 78.20 80.90 82.92 85.51 87.37 91.10 94.75 96.85 99.10 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,769.58 370.63 1,012.23 1,245.48 2,275.08 2,041.22 2,159.84 2,425.71 2,122.94 1,538.87 1,515.34 2,316.10 1,784.40 2,976.49 2,595.30 6,979.57 9,412.83 5,926.16 6,981.61 2,817.26 61,266.66

2,769.58 4.52 4.52 3,140.21 0.60 5.13 4,152.44 1.65 6.78 5,397.92 2.03 8.81 7,673.00 3.71 12.52 9,714.22 3.33 15.86 11,874.06 3.53 19.38 14,299.77 3.96 23.34 16,422.71 3.47 26.81 17,961.58 2.51 29.32 19,476.92 2.47 31.79 21,793.02 3.78 35.57 23,577.41 2.91 38.48 26,553.91 4.86 43.34 29,149.21 4.24 47.58 36,128.78 11.39 58.97 45,541.61 15.36 74.33 51,467.78 9.67 84.01 58,449.39 11.40 95.40 61,266.66 4.60 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 40 1 10 6 5 3 15 10 9 4 10 18 11 30 22 47 96 81 49 19

486

40 41 51 57 62 65 80 90 99 103 113 131 142 172 194 241 337 418 467 486

8.23 8.23 0.21 8.44 2.06 10.49 1.23 11.73 1.03 12.76 0.62 13.37 3.09 16.46 2.06 18.52 1.85 20.37 0.82 21.19 2.06 23.25 3.70 26.95 2.26 29.22 6.17 35.39 4.53 39.92 9.67 49.59 19.75 69.34 16.67 86.01 10.08 96.09 3.91 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 117,960.01 69.31 774.45 567.52 4,650.99 305.39 1,208.65 2,078.15 6,964.70 904.98 1,646.11 48,131.58 3,985.25 19,401.01 4,876.61 11,238.55 39,429.80 22,309.80 47,285.52 143,064.84 476,853.21

117,960.01 24.74 118,029.32 0.01 118,803.76 0.16 119,371.28 0.12 124,022.27 0.98 124,327.66 0.06 125,536.31 0.25 127,614.46 0.44 134,579.16 1.46 135,484.14 0.19 137,130.25 0.35 185,261.82 10.09 189,247.08 0.84 208,648.09 4.07 213,524.70 1.02 224,763.25 2.36 264,193.05 8.27 286,502.85 4.68 333,788.37 9.92 476,853.21 30.00

24.74 24.75 24.91 25.03 26.01 26.07 26.33 26.76 28.22 28.41 28.76 38.85 39.69 43.76 44.78 47.13 55.40 60.08 70.00 100.00

4259.1 18.70 76.51 45.57 204.43 14.96 55.96 85.67 328.07 58.81 108.63 2078.1 223.34 651.81 187.90 161.02 418.89 376.46 677.29 5078.1

4259.1 3758.6 2861.0 2211.4 1616.3 1279.8 1057.2 892.42 819.47 754.30 704.07 850.10 802.66 785.75 732.52 622.12 580.11 556.66 571.07 778.32

778.32

Page 10 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Paper, Leather, Rubber

BAND

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

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 823 612 898 671 969 677 541 615 453 303 251 321 248 361 252 457 370 203 196 38

9,259

823 1,435 2,333 3,004 3,973 4,650 5,191 5,806 6,259 6,562 6,813 7,134 7,382 7,743 7,995 8,452 8,822 9,025 9,221 9,259

8.89 6.61 9.70 7.25 10.47 7.31 5.84 6.64 4.89 3.27 2.71 3.47 2.68 3.90 2.72 4.94 4.00 2.19 2.12 0.41

8.89 15.50 25.20 32.44 42.91 50.22 56.06 62.71 67.60 70.87 73.58 77.05 79.73 83.63 86.35 91.28 95.28 97.47 99.59 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,001.18 206.79 582.52 676.11 1,516.24 1,425.77 1,514.21 2,298.02 2,106.65 1,679.58 1,642.11 2,806.00 2,289.90 3,913.08 3,446.19 8,688.57 8,961.48 3,921.23 6,080.02 641.20 57,396.85

3,001.18 5.23 5.23 3,207.97 0.36 5.59 3,790.49 1.01 6.60 4,466.60 1.18 7.78 5,982.83 2.64 10.42 7,408.61 2.48 12.91 8,922.82 2.64 15.55 11,220.84 4.00 19.55 13,327.49 3.67 23.22 15,007.08 2.93 26.15 16,649.19 2.86 29.01 19,455.19 4.89 33.90 21,745.09 3.99 37.89 25,658.17 6.82 44.70 29,104.35 6.00 50.71 37,792.92 15.14 65.84 46,754.40 15.61 81.46 50,675.63 6.83 88.29 56,755.65 10.59 98.88 57,396.85 1.12 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 30 5 2 4 24 15 5 5 6 7 14 15 11 26 16 32 36 30 16 12

311

30 35 37 41 65 80 85 90 96 103 117 132 143 169 185 217 253 283 299 311

9.65 9.65 1.61 11.25 0.64 11.90 1.29 13.18 7.72 20.90 4.82 25.72 1.61 27.33 1.61 28.94 1.93 30.87 2.25 33.12 4.50 37.62 4.82 42.44 3.54 45.98 8.36 54.34 5.14 59.49 10.29 69.77 11.58 81.35 9.65 91.00 5.14 96.14 3.86 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 7,506.28 107.04 8.97 1,476.60 4,593.37 828.65 717.96 2,108.13 1,809.79 1,177.19 14,682.25 8,342.26 1,711.41 6,022.70 5,359.81 17,471.62 61,452.37 22,627.58 2,880.71 23,464.79 184,349.49

7,506.28 4.07 7,613.32 0.06 7,622.29 0.00 9,098.89 0.80 13,692.26 2.49 14,520.91 0.45 15,238.87 0.39 17,347.00 1.14 19,156.79 0.98 20,333.98 0.64 35,016.23 7.96 43,358.49 4.53 45,069.90 0.93 51,092.60 3.27 56,452.42 2.91 73,924.03 9.48 135,376.41 33.33 158,003.99 12.27 160,884.71 1.56 184,349.49 12.73

4.07 4.13 4.13 4.94 7.43 7.88 8.27 9.41 10.39 11.03 18.99 23.52 24.45 27.72 30.62 40.10 73.43 85.71 87.27 100.00

250.11 51.76 1.54 218.40 302.95 58.12 47.41 91.74 85.91 70.09 894.11 297.30 74.74 153.91 155.53 201.09 685.74 577.05 47.38 3659.5

250.11 237.32 201.09 203.71 228.86 196.00 170.79 154.60 143.74 135.50 210.32 222.86 207.26 199.13 193.97 195.60 289.55 311.79 283.47 321.18

321.18

Page 11 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 26

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Wood, Bamboo and Rattan

BAND

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

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,033 726 765 521 653 434 384 464 288 203 202 289 192 294 200 312 306 160 146 18 7,590

1,033 1,759 2,524 3,045 3,698 4,132 4,516 4,980 5,268 5,471 5,673 5,962 6,154 6,448 6,648 6,960 7,266 7,426 7,572 7,590

13.61 9.57 10.08 6.86 8.60 5.72 5.06 6.11 3.79 2.67 2.66 3.81 2.53 3.87 2.64 4.11 4.03 2.11 1.92 0.24

13.61 23.18 33.25 40.12 48.72 54.44 59.50 65.61 69.41 72.08 74.74 78.55 81.08 84.95 87.59 91.70 95.73 97.84 99.76 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,530.09 577.06 1,053.68 1,002.06 1,803.74 1,820.59 1,881.83 3,117.37 2,488.14 2,015.96 2,552.59 3,643.66 3,365.94 7,524.95 4,693.21 10,680.54 11,218.57 5,894.75 7,856.93 593.62 76,315.29

2,530.09 3.32 3.32 3,107.14 0.76 4.07 4,160.82 1.38 5.45 5,162.88 1.31 6.77 6,966.63 2.36 9.13 8,787.22 2.39 11.51 10,669.05 2.47 13.98 13,786.42 4.08 18.07 16,274.56 3.26 21.33 18,290.52 2.64 23.97 20,843.11 3.34 27.31 24,486.77 4.77 32.09 27,852.71 4.41 36.50 35,377.66 9.86 46.36 40,070.87 6.15 52.51 50,751.41 14.00 66.50 61,969.99 14.70 81.20 67,864.73 7.72 88.93 75,721.67 10.30 99.22 76,315.29 0.78 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 20 3 5 2 5 3 7 9 9 9 5 21 13 7 8 23 29 16 21 3

218

20 23 28 30 35 38 45 54 63 72 77 98 111 118 126 149 178 194 215 218

9.17 9.17 1.38 10.55 2.29 12.84 0.92 13.76 2.29 16.06 1.38 17.43 3.21 20.64 4.13 24.77 4.13 28.90 4.13 33.03 2.29 35.32 9.63 44.95 5.96 50.92 3.21 54.13 3.67 57.80 10.55 68.35 13.30 81.65 7.34 88.99 9.63 98.62 1.38 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 17,439.94 70.85 262.67 40.88 538.40 653.71 1,164.83 1,771.59 2,419.17 1,164.98 545.56 10,056.32 1,020.03 4,169.14 12,737.43 8,666.41 66,602.21 35,648.44 24,876.47 42.06 189,891.07

17,439.94 9.18 17,510.79 0.04 17,773.46 0.14 17,814.34 0.02 18,352.74 0.28 19,006.44 0.34 20,171.27 0.61 21,942.86 0.93 24,362.03 1.27 25,527.02 0.61 26,072.58 0.29 36,128.89 5.30 37,148.93 0.54 41,318.07 2.20 54,055.49 6.71 62,721.90 4.56 129,324.11 35.07 164,972.55 18.77 189,849.02 13.10 189,891.07 0.02

9.18 9.22 9.36 9.38 9.66 10.01 10.62 11.56 12.83 13.44 13.73 19.03 19.56 21.76 28.47 33.03 68.10 86.88 99.98 100.00

689.30 12.28 24.93 4.08 29.85 35.91 61.90 56.83 97.23 57.79 21.37 275.99 30.30 55.40 271.40 81.14 593.68 604.75 316.62 7.08

689.30 563.57 427.16 345.05 263.44 216.30 189.06 159.16 149.69 139.56 125.09 147.54 133.38 116.79 134.90 123.59 208.69 243.09 250.72 248.82

248.82

Page 12 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 27

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Nutritional, Drinks and Tobacco

BAND

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

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

3,616 1,978 2,236 1,450 1,674 1,057 863 979 712 421 410 595 427 658 433 816 843 412 278 100 19,958

3,616 5,594 7,830 9,280 10,954 12,011 12,874 13,853 14,565 14,986 15,396 15,991 16,418 17,076 17,509 18,325 19,168 19,580 19,858 19,958

18.12 9.91 11.20 7.27 8.39 5.30 4.32 4.91 3.57 2.11 2.05 2.98 2.14 3.30 2.17 4.09 4.22 2.06 1.39 0.50

18.12 28.03 39.23 46.50 54.89 60.18 64.51 69.41 72.98 75.09 77.14 80.12 82.26 85.56 87.73 91.82 96.04 98.11 99.50 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5,005.81 545.95 950.13 945.99 1,434.48 612.24 1,489.94 2,256.80 2,143.39 1,322.16 1,734.68 3,634.26 2,447.89 4,274.86 3,784.96 9,283.14 13,449.46 6,765.67 5,100.48 1,323.49 68,505.77

5,005.81 7.31 7.31 5,551.76 0.80 8.10 6,501.89 1.39 9.49 7,447.87 1.38 10.87 8,882.35 2.09 12.97 9,494.59 0.89 13.86 10,984.53 2.17 16.03 13,241.33 3.29 19.33 15,384.72 3.13 22.46 16,706.88 1.93 24.39 18,441.56 2.53 26.92 22,075.82 5.31 32.22 24,523.71 3.57 35.80 28,798.57 6.24 42.04 32,583.53 5.53 47.56 41,866.67 13.55 61.11 55,316.13 19.63 80.75 62,081.80 9.88 90.62 67,182.28 7.45 98.07 68,505.77 1.93 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 54 5 9 9 6 8 13 57 5 10 1 45 7 27 13 30 47 36 33 19

434

54 59 68 77 83 91 104 161 166 176 177 222 229 256 269 299 346 382 415 434

12.44 12.44 1.15 13.59 2.07 15.67 2.07 17.74 1.38 19.12 1.84 20.97 3.00 23.96 13.13 37.10 1.15 38.25 2.30 40.55 0.23 40.78 10.37 51.15 1.61 52.76 6.22 58.99 3.00 61.98 6.91 68.89 10.83 79.72 8.29 88.02 7.60 95.62 4.38 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 13,325.19 50.25 211.40 289.85 247.70 35,210.14 1,287.59 4,794.54 54.99 7,288.88 458.98 1,018.13 3,682.95 11,474.47 10,705.68 8,180.63 20,079.94 17,750.21 13,616.73 3,702.09 153,430.36

13,325.19 8.68 13,375.45 0.03 13,586.85 0.14 13,876.70 0.19 14,124.40 0.16 49,334.55 22.95 50,622.14 0.84 55,416.68 3.12 55,471.67 0.04 62,760.55 4.75 63,219.53 0.30 64,237.66 0.66 67,920.61 2.40 79,395.08 7.48 90,100.76 6.98 98,281.39 5.33 118,361.33 13.09 136,111.54 11.57 149,728.27 8.87 153,430.36 2.41

8.68 8.72 8.86 9.04 9.21 32.15 32.99 36.12 36.15 40.90 41.20 41.87 44.27 51.75 58.72 64.06 77.14 88.71 97.59 100.00

266.19 9.20 22.25 30.64 17.27 5751.0 86.42 212.45 2.57 551.29 26.46 28.01 150.45 268.42 282.85 88.12 149.30 262.36 266.97 279.72

266.19 240.92 208.97 186.32 159.02 519.61 460.85 418.51 360.56 375.66 342.81 290.99 276.96 275.69 276.52 234.75 213.97 219.25 222.87 223.97

223.97

Page 13 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 28

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Power and Heating

BAND

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

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

54 15 13 11 23 5 17 21 5 21 21 19 11 49 17 43 65 19 64 95

424.20 3.85 7.74 4.42 18.13 9.08 14.55 51.21 4.73 20.18 12.14 43.88 22.51 246.10 131.22 41,186.96 892.03 375.09 2,423.89 90,268.35

588

54 69 82 93 116 121 138 159 164 185 206 225 236 285 302 345 410 429 493 588

9.18 2.55 2.21 1.87 3.91 0.85 2.89 3.57 0.85 3.57 3.57 3.23 1.87 8.33 2.89 7.31 11.05 3.23 10.88 16.16

9.18 11.73 13.95 15.82 19.73 20.58 23.47 27.04 27.89 31.46 35.03 38.27 40.14 48.47 51.36 58.67 69.73 72.96 83.84 100.00

136,160.26

424.20 0.31 0.31 428.05 0.00 0.31 435.79 0.01 0.32 440.21 0.00 0.32 458.34 0.01 0.34 467.42 0.01 0.34 481.97 0.01 0.35 533.18 0.04 0.39 537.91 0.00 0.40 558.09 0.01 0.41 570.23 0.01 0.42 614.11 0.03 0.45 636.62 0.02 0.47 882.73 0.18 0.65 1,013.95 0.10 0.74 42,200.91 30.25 30.99 43,092.94 0.66 31.65 43,468.03 0.28 31.92 45,891.91 1.78 33.70 136,160.26 66.30 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 6 6 18

5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 6 6 12 18

27.78 27.78 0.00 27.78 0.00 27.78 0.00 27.78 0.00 27.78 0.00 27.78 0.00 27.78 0.00 27.78 0.00 27.78 0.00 27.78 0.00 27.78 0.00 27.78 0.00 27.78 0.00 27.78 0.00 27.78 0.00 27.78 5.56 33.33 0.00 33.33 33.33 66.67 33.33 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 8,037.15 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 0.00 8.61 0.00 32,136.77 91,802.09 131,984.61

8,037.15 6.09 8,037.15 0.00 8,037.15 0.00 8,037.15 0.00 8,037.15 0.00 8,037.15 0.00 8,037.15 0.00 8,037.15 0.00 8,037.15 0.00 8,037.15 0.00 8,037.15 0.00 8,037.15 0.00 8,037.15 0.00 8,037.15 0.00 8,037.15 0.00 8,037.15 0.00 8,045.76 0.01 8,045.76 0.00 40,182.53 24.35 131,984.61 69.56

6.09 1894.6 1894.6 6.09 0.00 1877.6 6.09 0.00 1844.2 6.09 0.00 1825.7 6.09 0.00 1753.5 6.09 0.00 1719.4 6.09 0.00 1667.5 6.09 0.00 1507.4 6.09 0.00 1494.1 6.09 0.00 1440.1 6.09 0.00 1409.4 6.09 0.00 1308.7 6.09 0.00 1262.4 6.09 0.00 910.49 6.09 0.00 792.66 6.09 0.00 19.04 6.10 0.97 18.67 6.10 0.00 18.51 30.44 1325.8 87.56 100.00 101.70 96.93 96.93

Page 14 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 29

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotel, Entertainment, Sport and Services The Caring Services,

BAND

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

SUM INSURED Mid Points (In Million) From To

Motor Vehicle Repair Shop, Private Building, Propierty of Public Bodies NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

149,241 137,411 159,825 94,563 101,089 49,035 34,723 25,912 13,936 7,358 5,535 6,442 3,953 4,714 2,872 3,789 2,683 1,120 1,265 323

531 281 447 439 618 388 304 280 169 135 82 115 111 147 97 276 192 185 399 282

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

805,789

149,241 286,652 446,477 541,040 642,129 691,164 725,887 751,799 765,735 773,093 778,628 785,070 789,023 793,737 796,609 800,398 803,081 804,201 805,466 805,789

18.52 17.05 19.83 11.74 12.55 6.09 4.31 3.22 1.73 0.91 0.69 0.80 0.49 0.59 0.36 0.47 0.33 0.14 0.16 0.04

18.52 35.57 55.41 67.14 79.69 85.77 90.08 93.30 95.03 95.94 96.63 97.43 97.92 98.50 98.86 99.33 99.66 99.80 99.96 100.00

41,929.76 30,104.68 61,111.19 56,240.84 93,800.31 66,376.34 64,106.30 62,408.17 43,999.67 26,166.85 25,044.28 34,377.15 27,270.41 40,996.52 31,430.12 57,404.29 37,954.99 22,548.53 38,408.24 142,517.74 1,004,196.35

41,929.76 4.18 4.18 72,034.43 3.00 7.17 133,145.62 6.09 13.26 189,386.46 5.60 18.86 283,186.77 9.34 28.20 349,563.11 6.61 34.81 413,669.41 6.38 41.19 476,077.57 6.21 47.41 520,077.25 4.38 51.79 546,244.09 2.61 54.40 571,288.37 2.49 56.89 605,665.52 3.42 60.31 632,935.93 2.72 63.03 673,932.45 4.08 67.11 705,362.57 3.13 70.24 762,766.86 5.72 75.96 800,721.84 3.78 79.74 823,270.38 2.25 81.98 861,678.62 3.82 85.81 1,004,196.35 14.19 100.00

5,478

531 9.69 9.69 812 5.13 14.82 1,25 8.16 22.98 1,69 8.01 31.00 2,31 11.28 42.28 2,70 7.08 49.36 3,00 5.55 54.91 3,28 5.11 60.02 3,45 3.09 63.11 3,59 2.46 65.57 3,67 1.50 67.07 3,78 2.10 69.17 3,90 2.03 71.19 4,04 2.68 73.88 4,14 1.77 75.65 4,42 5.04 80.69 4,61 3.50 84.19 4,79 3.38 87.57 5,19 7.28 94.85 5,47 5.15 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 75,391.11 15,914.98 20,884.51 32,648.60 41,690.10 31,404.27 41,479.69 28,784.50 40,943.28 11,912.61 20,104.34 41,622.05 21,386.23 41,816.13 33,032.46 73,795.99 89,606.24 92,236.18 132,664.18 182,381.57 1,069,699.05

75,391.11 7.05 91,306.10 1.49 112,190.61 1.95 144,839.21 3.05 186,529.32 3.90 217,933.59 2.94 259,413.28 3.88 288,197.78 2.69 329,141.06 3.83 341,053.67 1.11 361,158.01 1.88 402,780.06 3.89 424,166.29 2.00 465,982.42 3.91 499,014.88 3.09 572,810.88 6.90 662,417.12 8.38 754,653.30 8.62 887,317.48 12.40 1,069,699.05 17.05

7.05 8.54 10.49 13.54 17.44 20.37 24.25 26.94 30.77 31.88 33.76 37.65 39.65 43.56 46.65 53.55 61.93 70.55 82.95 100.00

179.80 52.87 34.17 58.05 44.45 47.31 64.70 46.12 93.05 45.53 80.28 121.07 78.42 102.00 105.10 128.55 236.09 409.06 345.41 127.97

179.80 126.75 84.26 76.48 65.87 62.34 62.71 60.54 63.29 62.44 63.22 66.50 67.02 69.14 70.75 75.10 82.73 91.67 102.98 106.52

106.52

Page 15 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Estate Plantation Risk

BAND

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

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 9 9 10 9 10 13 10 7 4 7 5 4 3 8 3 5 11 2 2 0 131

9 18 28 37 47 60 70 77 81 88 93 97 100 108 111 116 127 129 131 131

6.87 6.87 7.63 6.87 7.63 9.92 7.63 5.34 3.05 5.34 3.82 3.05 2.29 6.11 2.29 3.82 8.40 1.53 1.53 0.00

6.87 13.74 21.37 28.24 35.88 45.80 53.44 58.78 61.83 67.18 70.99 74.05 76.34 82.44 84.73 88.55 96.95 98.47 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 8.26 15.85 9.96 5.09 17.54 42.88 43.61 54.18 37.14 89.88 118.22 132.80 38.70 253.32 64.22 195.37 817.01 379.16 0.00 0.00 2,323.18

8.26 0.36 0.36 24.11 0.68 1.04 34.07 0.43 1.47 39.15 0.22 1.69 56.69 0.76 2.44 99.57 1.85 4.29 143.18 1.88 6.16 197.37 2.33 8.50 234.51 1.60 10.09 324.39 3.87 13.96 442.60 5.09 19.05 575.40 5.72 24.77 614.10 1.67 26.43 867.43 10.90 37.34 931.65 2.76 40.10 1,127.01 8.41 48.51 1,944.03 35.17 83.68 2,323.18 16.32 100.00 2,323.18 0.00 100.00 2,323.18 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 2 1 1 0 0 0 1 2 0 8 6 0 0 0 0 0 2 1 0 0 24

2 8.33 8.33 3 4.17 12.50 4 4.17 16.67 4 0.00 16.67 4 0.00 16.67 4 0.00 16.67 5 4.17 20.83 7 8.33 29.17 7 0.00 29.17 15 33.33 62.50 21 25.00 87.50 21 0.00 87.50 21 0.00 87.50 21 0.00 87.50 21 0.00 87.50 21 0.00 87.50 23 8.33 95.83 24 4.17 100.00 24 0.00 100.00 24 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE RP BAND CUM. BAND CUM

59.30 20.35 15.98 0.00 0.00 0.00 5.58 313.56 0.00 114.84 52.23 0.00 0.00 0.00 0.00 0.00 399.65 30.00 0.00 0.00 1,011.49

59.30 5.86 79.64 2.01 95.63 1.58 95.63 0.00 95.63 0.00 95.63 0.00 101.21 0.55 414.76 31.00 414.76 0.00 529.60 11.35 581.83 5.16 581.83 0.00 581.83 0.00 581.83 0.00 581.83 0.00 581.83 0.00 981.49 39.51 1,011.49 2.97 1,011.49 0.00 1,011.49 0.00

5.86 7.87 9.45 9.45 9.45 9.45 10.01 41.01 41.01 52.36 57.52 57.52 57.52 57.52 57.52 57.52 97.03 100.00 100.00 100.00

717.84 128.37 160.56 0.00 0.00 0.00 12.79 578.70 0.00 127.77 44.19 0.00 0.00 0.00 0.00 0.00 48.92 7.91 0.00 0.00

717.84 330.33 280.71 244.25 168.67 96.04 70.68 210.15 176.87 163.26 131.46 101.12 94.75 67.08 62.45 51.63 50.49 43.54 43.54 43.54

43.54

Page 16 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Estate Plantation Risk

BAND

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

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 40 12 17 19 24 22 15 40 14 9 10 24 6 19 19 30 114 44 50 9 537

40 52 69 88 112 134 149 189 203 212 222 246 252 271 290 320 434 478 528 537

7.45 2.23 3.17 3.54 4.47 4.10 2.79 7.45 2.61 1.68 1.86 4.47 1.12 3.54 3.54 5.59 21.23 8.19 9.31 1.68

7.45 9.68 12.85 16.39 20.86 24.95 27.75 35.20 37.80 39.48 41.34 45.81 46.93 50.47 54.00 59.59 80.82 89.01 98.32 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 547.21 46.08 7.57 12.83 25.39 85.93 32.06 118.93 84.05 38.27 129.80 156.27 87.30 1,350.63 206.56 1,221.93 3,606.95 2,499.74 8,104.57 1,335.41 19,697.49

547.21 2.78 2.78 593.29 0.23 3.01 600.86 0.04 3.05 613.69 0.07 3.12 639.08 0.13 3.24 725.00 0.44 3.68 757.06 0.16 3.84 876.00 0.60 4.45 960.05 0.43 4.87 998.32 0.19 5.07 1,128.13 0.66 5.73 1,284.40 0.79 6.52 1,371.70 0.44 6.96 2,722.33 6.86 13.82 2,928.88 1.05 14.87 4,150.81 6.20 21.07 7,757.76 18.31 39.38 10,257.51 12.69 52.08 18,362.08 41.15 93.22 19,697.49 6.78 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 32 0 0 0 0 0 0 2 1 0 0 0 0 25 2 3 11 1 1 0 78

32 41.03 41.03 32 0.00 41.03 32 0.00 41.03 32 0.00 41.03 32 0.00 41.03 32 0.00 41.03 32 0.00 41.03 34 2.56 43.59 35 1.28 44.87 35 0.00 44.87 35 0.00 44.87 35 0.00 44.87 35 0.00 44.87 60 32.05 76.92 62 2.56 79.49 65 3.85 83.33 76 14.10 97.44 77 1.28 98.72 78 1.28 100.00 78 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE RP BAND CUM. BAND CUM

541.77 0.00 0.00 0.00 0.00 0.00 0.00 216.11 20.26 0.00 0.00 0.00 0.00 597.60 229.02 10.52 477.89 384.48 23.53 0.00 2,501.18

541.77 541.77 541.77 541.77 541.77 541.77 541.77 757.88 778.14 778.14 778.14 778.14 778.14 1,375.74 1,604.76 1,615.28 2,093.17 2,477.65 2,501.18 2,501.18

21.66 0.00 0.00 0.00 0.00 0.00 0.00 8.64 0.81 0.00 0.00 0.00 0.00 23.89 9.16 0.42 19.11 15.37 0.94 0.00

21.66 99.01 21.66 0.00 21.66 0.00 21.66 0.00 21.66 0.00 21.66 0.00 21.66 0.00 30.30 181.71 31.11 24.10 31.11 0.00 31.11 0.00 31.11 0.00 31.11 0.00 55.00 44.25 64.16 110.88 64.58 0.86 83.69 13.25 99.06 15.38 100.00 0.29 100.00 0.00

99.01 91.32 90.17 88.28 84.77 74.73 71.56 86.52 81.05 77.94 68.98 60.58 56.73 50.54 54.79 38.91 26.98 24.15 13.62 12.70

12.70

Pag 17 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 32

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Recreation Place

BAND

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

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 4 3 7 3 4 3 4 7 5 2 2 7 8 9 7 10 22 12 2 0 121

4 7 14 17 21 24 28 35 40 42 44 51 59 68 75 85 107 119 121 121

3.31 2.48 5.79 2.48 3.31 2.48 3.31 5.79 4.13 1.65 1.65 5.79 6.61 7.44 5.79 8.26 18.18 9.92 1.65 0.00

3.31 5.79 11.57 14.05 17.36 19.83 23.14 28.93 33.06 34.71 36.36 42.15 48.76 56.20 61.98 70.25 88.43 98.35 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1.47 7.80 13.64 1.03 3.74 4.66 8.85 13.51 10.39 6.79 4.38 58.37 80.13 89.66 257.80 321.33 776.55 647.73 255.29 0.00 2,563.12

1.47 9.27 22.92 23.95 27.68 32.35 41.19 54.71 65.10 71.88 76.26 134.63 214.76 304.42 562.22 883.55 1,660.10 2,307.83 2,563.12 2,563.12

0.06 0.06 0.30 0.36 0.53 0.89 0.04 0.93 0.15 1.08 0.18 1.26 0.35 1.61 0.53 2.13 0.41 2.54 0.26 2.80 0.17 2.98 2.28 5.25 3.13 8.38 3.50 11.88 10.06 21.93 12.54 34.47 30.30 64.77 25.27 90.04 9.96 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 0 0 1 0 0 0 0 0 1 0 0 0 2 1 1 0 5 0 0 0 11

0 0.00 0.00 0 0.00 0.00 1 9.09 9.09 1 0.00 9.09 1 0.00 9.09 1 0.00 9.09 1 0.00 9.09 1 0.00 9.09 2 9.09 18.18 2 0.00 18.18 2 0.00 18.18 2 0.00 18.18 4 18.18 36.36 5 9.09 45.45 6 9.09 54.55 6 0.00 54.55 11 45.45 100.00 11 0.00 100.00 11 0.00 100.00 11 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE RP BAND CUM. BAND CUM

0.00 0.00 14.62 0.00 0.00 0.00 0.00 0.00 15.79 0.00 0.00 0.00 73.77 53.71 2.65 0.00 168.51 0.00 0.00 0.00 329.04

0.00 0.00 0.00 0.00 14.62 4.44 14.62 0.00 14.62 0.00 14.62 0.00 14.62 0.00 14.62 0.00 30.41 4.80 30.41 0.00 30.41 0.00 30.41 0.00 104.18 22.42 157.89 16.32 160.53 0.80 160.53 0.00 329.04 51.21 329.04 0.00 329.04 0.00 329.04 0.00

0.00 0.00 0.00 0.00 4.44 107.14 4.44 0.00 4.44 0.00 4.44 0.00 4.44 0.00 4.44 0.00 9.24 151.96 9.24 0.00 9.24 0.00 9.24 0.00 31.66 92.07 47.98 59.90 48.79 1.03 48.79 0.00 100.00 21.70 100.00 0.00 100.00 0.00 100.00 0.00

0.00 0.00 63.79 61.04 52.80 45.19 35.48 26.72 46.71 42.30 39.87 22.59 48.51 51.87 28.55 18.17 19.82 14.26 12.84 12.84

12.84

Page 18 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 40

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Non Estate Plantation Risk

BAND

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

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 157 40 24 8 16 19 13 9 12 15 1 13 12 18 18 37 25 12 11 2 462

157 197 221 229 245 264 277 286 298 313 314 327 339 357 375 412 437 449 460 462

33.98 8.66 5.19 1.73 3.46 4.11 2.81 1.95 2.60 3.25 0.22 2.81 2.60 3.90 3.90 8.01 5.41 2.60 2.38 0.43

33.98 42.64 47.84 49.57 53.03 57.14 59.96 61.90 64.50 67.75 67.97 70.78 73.38 77.27 81.17 89.18 94.59 97.19 99.57 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 952.15 44.08 15.86 11.24 139.95 34.03 38.30 206.90 42.08 56.86 8.78 194.09 233.09 190.66 216.97 399.97 156.72 123.03 100.73 0.00 3,165.48

952.15 30.08 30.08 996.23 1.39 31.47 1,012.09 0.50 31.97 1,023.33 0.36 32.33 1,163.28 4.42 36.75 1,197.31 1.08 37.82 1,235.61 1.21 39.03 1,442.50 6.54 45.57 1,484.58 1.33 46.90 1,541.45 1.80 48.70 1,550.22 0.28 48.97 1,744.31 6.13 55.10 1,977.40 7.36 62.47 2,168.06 6.02 68.49 2,385.03 6.85 75.34 2,785.00 12.64 87.98 2,941.72 4.95 92.93 3,064.75 3.89 96.82 3,165.48 3.18 100.00 3,165.48 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 2 1 0 0 0 0 1 0 1 0 0 0 0 0 10 12 4 1 0 0 32

2 6.25 6.25 3 3.13 9.38 3 0.00 9.38 3 0.00 9.38 3 0.00 9.38 3 0.00 9.38 4 3.13 12.50 4 0.00 12.50 5 3.13 15.63 5 0.00 15.63 5 0.00 15.63 5 0.00 15.63 5 0.00 15.63 5 0.00 15.63 15 31.25 46.88 27 37.50 84.38 31 12.50 96.88 32 3.13 100.00 32 0.00 100.00 32 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE RP BAND CUM. BAND CUM

385.58 93.78 0.00 0.00 0.00 0.00 118.69 0.00 9.84 0.00 0.00 0.00 0.00 0.00 1,785.58 1,175.56 118.70 5,639.32 0.00 0.00 9,327.05

385.58 4.13 479.37 1.01 479.37 0.00 479.37 0.00 479.37 0.00 479.37 0.00 598.06 1.27 598.06 0.00 607.89 0.11 607.89 0.00 607.89 0.00 607.89 0.00 607.89 0.00 607.89 0.00 2,393.47 19.14 3,569.03 12.60 3,687.73 1.27 9,327.05 60.46 9,327.05 0.00 9,327.05 0.00

4.13 5.14 5.14 5.14 5.14 5.14 6.41 6.41 6.52 6.52 6.52 6.52 6.52 6.52 25.66 38.27 39.54 100.00 100.00 100.00

40.50 212.78 0.00 0.00 0.00 0.00 309.90 0.00 23.38 0.00 0.00 0.00 0.00 0.00 822.96 293.91 75.74 4583.7 0.00 0.00

40.50 48.12 47.36 46.84 41.21 40.04 48.40 41.46 40.95 39.44 39.21 34.85 30.74 28.04 100.35 128.15 125.36 304.33 294.65 294.65

294.65

Page 19 of 204

RISK AND LOSS PROFILE 2006 GROUP BY PROVINCE

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

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 01- NANGROE ACEH DARUSALAM

BAND

SUM INSURED Mid Points (In Million) From To

1 0 50 25 2 50 100 75 3 100 200 150 4 200 300 250 5 300 500 400 6 500 750 625 7 750 1,000 875 8 1,000 1,500 1,250 9 1,500 2,000 1,750 10 2,000 2,500 2,250 11 2,500 3,000 2,750 12 3,000 4,000 3,500 13 4,000 5,000 4,500 14 5,000 7,500 6,250 15 7,500 10,000 8,750 16 10,000 20,000 15,000 17 20,000 50,000 35,000 18 50,000 100,000 75,000 19 100,000 500,000 300,000 20 500,000 Up TOTAL

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

903 1,046 1,169 634 521 227 180 101 33 17 9 22 19 25 9 18 31 14 4 1 4,983

903 1,949 3,118 3,752 4,273 4,500 4,680 4,781 4,814 4,831 4,840 4,862 4,881 4,906 4,915 4,933 4,964 4,978 4,982 4,983

18.12 20.99 23.46 12.72 10.46 4.56 3.61 2.03 0.66 0.34 0.18 0.44 0.38 0.50 0.18 0.36 0.62 0.28 0.08 0.02

18.12 39.11 62.57 75.30 85.75 90.31 93.92 95.95 96.61 96.95 97.13 97.57 97.95 98.45 98.64 99.00 99.62 99.90 99.98 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 211.77 411.26 833.40 703.59 887.60 518.78 542.78 302.13 100.63 105.47 101.91 159.95 228.90 333.80 72.25 576.60 625.66 420.17 202.15 327.58 7,666.41

211.77 2.76 2.76 623.03 5.36 8.13 1,456.43 10.87 19.00 2,160.03 9.18 28.18 3,047.63 11.58 39.75 3,566.41 6.77 46.52 4,109.20 7.08 53.60 4,411.33 3.94 57.54 4,511.96 1.31 58.85 4,617.43 1.38 60.23 4,719.35 1.33 61.56 4,879.29 2.09 63.65 5,108.19 2.99 66.63 5,441.99 4.35 70.98 5,514.24 0.94 71.93 6,090.84 7.52 79.45 6,716.50 8.16 87.61 7,136.67 5.48 93.09 7,338.82 2.64 95.73 7,666.41 4.27 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

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

24.81 88.21 44.80 95.02 846.71 234.83 600.00 0.00 37.11 0.00 0.00 0.00 0.00 0.00 0.00 84.69 240.18 0.00 0.00 0.00

4 5 6 8 12 14 15 15 17 17 17 17 17 17 17 18 20 20 20 20

20.00 5.00 5.00 10.00 20.00 10.00 5.00 0.00 10.00 0.00 0.00 0.00 0.00 0.00 0.00 5.00 10.00 0.00 0.00 0.00

20.00 25.00 30.00 40.00 60.00 70.00 75.00 75.00 85.00 85.00 85.00 85.00 85.00 85.00 85.00 90.00 100.00 100.00 100.00 100.00

2,296.37

24.81 113.02 157.82 252.84 1,099.55 1,334.38 1,934.38 1,934.38 1,971.49 1,971.49 1,971.49 1,971.49 1,971.49 1,971.49 1,971.49 2,056.18 2,296.37 2,296.37 2,296.37 2,296.37

1.08 3.84 1.95 4.14 36.87 10.23 26.13 0.00 1.62 0.00 0.00 0.00 0.00 0.00 0.00 3.69 10.46 0.00 0.00 0.00

1.08 11.72 4.92 21.45 6.87 5.38 11.01 13.51 47.88 95.39 58.11 45.27 84.24 110.54 84.24 0.00 85.85 36.88 85.85 0.00 85.85 0.00 85.85 0.00 85.85 0.00 85.85 0.00 85.85 0.00 89.54 14.69 100.00 38.39 100.00 0.00 100.00 0.00 100.00 0.00

11.72 18.14 10.84 11.71 36.08 37.42 47.07 43.85 43.69 42.70 41.77 40.41 38.59 36.23 35.75 33.76 34.19 32.18 31.29 29.95

29.95

Page 20 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 02 - SUMATERA UTARA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 8,569 8,871 13,165 7,800 7,299 2,931 2,087 1,359 774 404 367 464 250 369 204 306 357 118 67 46 55,807

8,569 17,440 30,605 38,405 45,704 48,635 50,722 52,081 52,855 53,259 53,626 54,090 54,340 54,709 54,913 55,219 55,576 55,694 55,761 55,807

15.35 15.90 23.59 13.98 13.08 5.25 3.74 2.44 1.39 0.72 0.66 0.83 0.45 0.66 0.37 0.55 0.64 0.21 0.12 0.08

DATA POSITION FROM

15.35 31.25 54.84 68.82 81.90 87.15 90.89 93.32 94.71 95.43 96.09 96.92 97.37 98.03 98.40 98.95 99.59 99.80 99.92 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,006.39 1,876.46 4,569.92 4,644.91 6,763.37 4,465.46 4,385.11 3,613.11 3,125.12 1,337.74 2,503.63 3,200.45 2,079.99 4,535.28 2,314.77 6,314.80 8,887.56 2,220.32 1,243.66 525.39 71,613.46

3,006.39 4.20 4.20 4,882.86 2.62 6.82 9,452.77 6.38 13.20 14,097.69 6.49 19.69 20,861.06 9.44 29.13 25,326.52 6.24 35.37 29,711.64 6.12 41.49 33,324.75 5.05 46.53 36,449.86 4.36 50.90 37,787.61 1.87 52.77 40,291.24 3.50 56.26 43,491.69 4.47 60.73 45,571.68 2.90 63.64 50,106.96 6.33 69.97 52,421.73 3.23 73.20 58,736.53 8.82 82.02 67,624.09 12.41 94.43 69,844.41 3.10 97.53 71,088.07 1.74 99.27 71,613.46 0.73 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

44 11 18 13 21 10 16 8 6 17 8 8 3 10 16 22 31 4 16 5

44 15.33 15.33 1,769.68 55 3.83 19.16 401.43 73 6.27 25.44 1,366.27 86 4.53 29.97 578.91 107 7.32 37.28 1,273.59 117 3.48 40.77 1,699.84 133 5.57 46.34 4,160.40 141 2.79 49.13 418.40 147 2.09 51.22 1,102.83 164 5.92 57.14 3,065.25 172 2.79 59.93 106.20 180 2.79 62.72 83.93 183 1.05 63.76 105.03 193 3.48 67.25 2,815.03 209 5.57 72.82 2,719.91 231 7.67 80.49 24,486.21 262 10.80 91.29 35,663.31 266 1.39 92.68 428.80 282 5.57 98.26 6,429.39 287 1.74 100.00 36,337.83

287

125,012.2

1,769.68 1.42 2,171.11 0.32 3,537.37 1.09 4,116.29 0.46 5,389.88 1.02 7,089.72 1.36 11,250.12 3.33 11,668.52 0.33 12,771.35 0.88 15,836.60 2.45 15,942.80 0.08 16,026.74 0.07 16,131.77 0.08 18,946.79 2.25 21,666.71 2.18 46,152.92 19.59 81,816.23 28.53 82,245.03 0.34 88,674.42 5.14 125,012.2 29.07

1.42 1.74 2.83 3.29 4.31 5.67 9.00 9.33 10.22 12.67 12.75 12.82 12.90 15.16 17.33 36.92 65.45 65.79 70.93 100.00

58.86 21.39 29.90 12.46 18.83 38.07 94.88 11.58 35.29 229.14 4.24 2.62 5.05 62.07 117.50 387.76 401.27 19.31 516.97 6916.4

58.86 44.46 37.42 29.20 25.84 27.99 37.86 35.01 35.04 41.91 39.57 36.85 35.40 37.81 41.33 78.58 120.99 117.75 124.74 174.57

174.57

Page 21 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 03 - SUMATERA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

3,037 3,928 4,313 2,261 2,094 804 667 431 222 145 108 119 61 91 56 104 53 41 15 10 18,560

3,037 6,965 11,278 13,539 15,633 16,437 17,104 17,535 17,757 17,902 18,010 18,129 18,190 18,281 18,337 18,441 18,494 18,535 18,550 18,560

16.36 21.16 23.24 12.18 11.28 4.33 3.59 2.32 1.20 0.78 0.58 0.64 0.33 0.49 0.30 0.56 0.29 0.22 0.08 0.05

16.36 37.53 60.77 72.95 84.23 88.56 92.16 94.48 95.67 96.45 97.04 97.68 98.01 98.50 98.80 99.36 99.64 99.87 99.95 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 476.16 742.04 1,344.08 1,238.71 2,089.59 1,258.51 1,438.98 1,194.72 714.71 538.02 382.36 786.66 506.39 568.40 405.58 1,366.67 1,475.77 1,269.40 956.68 108.40 18,861.82

476.16 2.52 2.52 1,218.20 3.93 6.46 2,562.29 7.13 13.58 3,800.99 6.57 20.15 5,890.59 11.08 31.23 7,149.10 6.67 37.90 8,588.08 7.63 45.53 9,782.80 6.33 51.87 10,497.51 3.79 55.65 11,035.53 2.85 58.51 11,417.89 2.03 60.53 12,204.55 4.17 64.71 12,710.94 2.68 67.39 13,279.33 3.01 70.40 13,684.91 2.15 72.55 15,051.58 7.25 79.80 16,527.35 7.82 87.62 17,796.75 6.73 94.35 18,753.43 5.07 99.43 18,861.82 0.57 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

4 13 7 13 11 6 13 12 2 5 3 5 2 10 8 5 4 3 0 1

247.43 289.05 283.87 756.97 255.89 851.51 3,087.75 1,305.20 488.84 321.43 305.90 3,704.28 3.68 960.49 368.81 280.43 408.54 1,391.52 0.00 24.35

127

4 3.15 3.15 17 10.24 13.39 24 5.51 18.90 37 10.24 29.13 48 8.66 37.80 54 4.72 42.52 67 10.24 52.76 79 9.45 62.20 81 1.57 63.78 86 3.94 67.72 89 2.36 70.08 94 3.94 74.02 96 1.57 75.59 106 7.87 83.46 114 6.30 89.76 119 3.94 93.70 123 3.15 96.85 126 2.36 99.21 126 0.00 99.21 127 0.79 100.00

15,335.95

247.43 1.61 536.48 1.88 820.36 1.85 1,577.33 4.94 1,833.21 1.67 2,684.72 5.55 5,772.48 20.13 7,077.67 8.51 7,566.51 3.19 7,887.95 2.10 8,193.85 1.99 11,898.13 24.15 11,901.80 0.02 12,862.29 6.26 13,231.10 2.40 13,511.54 1.83 13,920.07 2.66 15,311.59 9.07 15,311.59 0.00 15,335.95 0.16

1.61 3.50 5.35 10.29 11.95 17.51 37.64 46.15 49.34 51.43 53.43 77.58 77.61 83.87 86.28 88.10 90.77 99.84 99.84 100.00

51.96 38.95 21.12 61.11 12.25 67.66 214.58 109.25 68.40 59.74 80.00 470.89 0.73 168.98 90.93 20.52 27.68 109.62 0.00 22.47

51.96 44.04 32.02 41.50 31.12 37.55 67.21 72.35 72.08 71.48 71.76 97.49 93.63 96.86 96.68 89.77 84.22 86.04 81.65 81.31

81.31

Page 22 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 04 - RIAU

BAND

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

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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 4,444 4,952 6,112 3,399 2,876 1,135 715 494 266 145 108 160 81 114 60 114 128 76 48 11 25,438

4,444 9,396 15,508 18,907 21,783 22,918 23,633 24,127 24,393 24,538 24,646 24,806 24,887 25,001 25,061 25,175 25,303 25,379 25,427 25,438

DATA POSITION FROM

17.47 19.47 24.03 13.36 11.31 4.46 2.81 1.94 1.05 0.57 0.42 0.63 0.32 0.45 0.24 0.45 0.50 0.30 0.19 0.04

17.47 36.94 60.96 74.33 85.63 90.09 92.90 94.85 95.89 96.46 96.89 97.52 97.83 98.28 98.52 98.97 99.47 99.77 99.96 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,013.42 1,134.75 3,014.25 3,167.19 4,107.25 2,404.39 2,135.90 1,724.66 1,417.28 756.86 692.51 1,257.83 570.24 1,290.63 805.72 1,980.26 3,754.65 1,940.85 1,990.86 130.43 35,289.92

1,013.42 2.87 2.87 2,148.17 3.22 6.09 5,162.42 8.54 14.63 8,329.61 8.97 23.60 12,436.86 11.64 35.24 14,841.25 6.81 42.06 16,977.16 6.05 48.11 18,701.82 4.89 52.99 20,119.10 4.02 57.01 20,875.96 2.14 59.16 21,568.47 1.96 61.12 22,826.30 3.56 64.68 23,396.53 1.62 66.30 24,687.16 3.66 69.96 25,492.88 2.28 72.24 27,473.13 5.61 77.85 31,227.79 10.64 88.49 33,168.63 5.50 93.99 35,159.49 5.64 99.63 35,289.92 0.37 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 18 8 7 3 6 6 2 2 2 1 1 0 0 1 0 4 7 4 8 0 80

18 26 33 36 42 48 50 52 54 55 56 56 56 57 57 61 68 72 80 80

22.50 22.50 10.00 32.50 8.75 41.25 3.75 45.00 7.50 52.50 7.50 60.00 2.50 62.50 2.50 65.00 2.50 67.50 1.25 68.75 1.25 70.00 0.00 70.00 0.00 70.00 1.25 71.25 0.00 71.25 5.00 76.25 8.75 85.00 5.00 90.00 10.00 100.00 0.00 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 1,285.26 382.53 242.80 744.48 1,576.75 1,258.17 1,239.76 21.54 4.89 84.79 3.00 0.00 0.00 3,019.23 0.00 247.48 628.72 111.25 4,272.69 0.00 15,123.33

1,285.26 8.50 1,667.79 2.53 1,910.59 1.61 2,655.07 4.92 4,231.82 10.43 5,489.99 8.32 6,729.75 8.20 6,751.30 0.14 6,756.18 0.03 6,840.97 0.56 6,843.97 0.02 6,843.97 0.00 6,843.97 0.00 9,863.20 19.96 9,863.20 0.00 10,110.67 1.64 10,739.40 4.16 10,850.64 0.74 15,123.33 28.25 15,123.33 0.00

8.50 126.82 126.82 11.03 33.71 77.64 12.63 8.05 37.01 17.56 23.51 31.88 27.98 38.39 34.03 36.30 52.33 36.99 44.50 58.04 39.64 44.64 1.25 36.10 44.67 0.34 33.58 45.23 11.20 32.77 45.25 0.43 31.73 45.25 0.00 29.98 45.25 0.00 29.25 65.22 233.93 39.95 65.22 0.00 38.69 66.85 12.50 36.80 71.01 16.75 34.39 71.75 5.73 32.71 100.00 214.62 43.01 100.00 0.00 42.85 42.85

Page 23 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 05 - JAMBI

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,238 2,311 2,505 1,111 951 400 262 225 94 49 38 40 19 31 18 37 33 18 19 1 10,400

2,238 4,549 7,054 8,165 9,116 9,516 9,778 10,003 10,097 10,146 10,184 10,224 10,243 10,274 10,292 10,329 10,362 10,380 10,399 10,400

DATA POSITION FROM

21.52 22.22 24.09 10.68 9.14 3.85 2.52 2.16 0.90 0.47 0.37 0.38 0.18 0.30 0.17 0.36 0.32 0.17 0.18 0.01

21.52 43.74 67.83 78.51 87.65 91.50 94.02 96.18 97.09 97.56 97.92 98.31 98.49 98.79 98.96 99.32 99.63 99.81 99.99 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 499.53 630.43 1,370.43 995.89 1,439.85 788.60 735.48 859.19 408.78 284.38 199.71 267.30 164.72 392.13 287.04 1,143.38 913.66 862.62 505.50 47.10 12,795.72

499.53 3.90 3.90 1,129.97 4.93 8.83 2,500.40 10.71 19.54 3,496.28 7.78 27.32 4,936.13 11.25 38.58 5,724.73 6.16 44.74 6,460.22 5.75 50.49 7,319.41 6.71 57.20 7,728.18 3.19 60.40 8,012.56 2.22 62.62 8,212.27 1.56 64.18 8,479.57 2.09 66.27 8,644.29 1.29 67.56 9,036.43 3.06 70.62 9,323.46 2.24 72.86 10,466.85 8.94 81.80 11,380.50 7.14 88.94 12,243.13 6.74 95.68 12,748.63 3.95 99.63 12,795.72 0.37 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 3 7 3 0 3 3 3 4 1 0 1 0 0 3 0 3 1 0 2 0 37

3 8.11 8.11 10 18.92 27.03 13 8.11 35.14 13 0.00 35.14 16 8.11 43.24 19 8.11 51.35 22 8.11 59.46 26 10.81 70.27 27 2.70 72.97 27 0.00 72.97 28 2.70 75.68 28 0.00 75.68 28 0.00 75.68 31 8.11 83.78 31 0.00 83.78 34 8.11 91.89 35 2.70 94.59 35 0.00 94.59 37 5.41 100.00 37 0.00 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 57.36 416.84 389.16 0.00 13.40 192.99 640.80 310.12 26.82 0.00 218.83 0.00 0.00 300.00 0.00 88.69 12.95 0.00 92.85 0.00 2,760.81

57.36 474.19 863.36 863.36 876.76 1,069.75 1,710.55 2,020.67 2,047.49 2,047.49 2,266.32 2,266.32 2,266.32 2,566.32 2,566.32 2,655.01 2,667.96 2,667.96 2,760.81 2,760.81

2.08 15.10 14.10 0.00 0.49 6.99 23.21 11.23 0.97 0.00 7.93 0.00 0.00 10.87 0.00 3.21 0.47 0.00 3.36 0.00

2.08 11.48 17.18 66.12 31.27 28.40 31.27 0.00 31.76 0.93 38.75 24.47 61.96 87.13 73.19 36.09 74.16 6.56 74.16 0.00 82.09 109.58 82.09 0.00 82.09 0.00 92.96 76.50 92.96 0.00 96.17 7.76 96.64 1.42 96.64 0.00 100.00 18.37 100.00 0.00

11.48 41.97 34.53 24.69 17.76 18.69 26.48 27.61 26.49 25.55 27.60 26.73 26.22 28.40 27.53 25.37 23.44 21.79 21.66 21.58

21.58

Page 24 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 06 - SUMATERA SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,664 3,753 4,822 2,688 2,489 1,015 749 566 287 119 104 127 69 109 87 101 90 65 44 13 20,961

3,664 7,417 12,239 14,927 17,416 18,431 19,180 19,746 20,033 20,152 20,256 20,383 20,452 20,561 20,648 20,749 20,839 20,904 20,948 20,961

17.48 17.90 23.00 12.82 11.87 4.84 3.57 2.70 1.37 0.57 0.50 0.61 0.33 0.52 0.42 0.48 0.43 0.31 0.21 0.06

17.48 35.38 58.39 71.21 83.09 87.93 91.50 94.20 95.57 96.14 96.64 97.24 97.57 98.09 98.51 98.99 99.42 99.73 99.94 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,571.08 694.68 1,992.82 1,911.59 2,882.14 1,536.11 1,832.38 1,583.71 1,178.77 535.38 623.06 679.96 574.08 1,173.21 1,099.00 1,798.40 1,883.22 2,080.89 4,850.49 195.69 30,676.68

1,571.08 5.12 5.12 2,265.76 2.26 7.39 4,258.59 6.50 13.88 6,170.18 6.23 20.11 9,052.32 9.40 29.51 10,588.43 5.01 34.52 12,420.81 5.97 40.49 14,004.52 5.16 45.65 15,183.30 3.84 49.49 15,718.68 1.75 51.24 16,341.73 2.03 53.27 17,021.70 2.22 55.49 17,595.78 1.87 57.36 18,768.99 3.82 61.18 19,867.99 3.58 64.77 21,666.39 5.86 70.63 23,549.61 6.14 76.77 25,630.50 6.78 83.55 30,480.99 15.81 99.36 30,676.68 0.64 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 24 8 15 18 23 12 5 6 4 2 0 0 1 2 3 4 10 6 18 0 161

24 32 47 65 88 100 105 111 115 117 117 117 118 120 123 127 137 143 161 161

14.91 14.91 4.97 19.88 9.32 29.19 11.18 40.37 14.29 54.66 7.45 62.11 3.11 65.22 3.73 68.94 2.48 71.43 1.24 72.67 0.00 72.67 0.00 72.67 0.62 73.29 1.24 74.53 1.86 76.40 2.48 78.88 6.21 85.09 3.73 88.82 11.18 100.00 0.00 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 44,355.47 340.29 1,379.53 2,914.54 6,801.99 4,224.12 2,483.36 837.09 1,101.93 151.43 0.00 0.00 677.20 5,257.92 267.88 2,138.21 501.01 6,348.97 22,170.27 0.00 101,951.21

44,355.47 43.51 44,695.76 0.33 46,075.29 1.35 48,989.83 2.86 55,791.82 6.67 60,015.94 4.14 62,499.31 2.44 63,336.39 0.82 64,438.33 1.08 64,589.76 0.15 64,589.76 0.00 64,589.76 0.00 65,266.95 0.66 70,524.87 5.16 70,792.75 0.26 72,930.96 2.10 73,431.97 0.49 79,780.94 6.23 101,951.21 21.75 101,951.21 0.00

43.51 43.84 45.19 48.05 54.72 58.87 61.30 62.12 63.21 63.35 63.35 63.35 64.02 69.18 69.44 71.54 72.03 78.25 100.00 100.00

2823.2 48.99 69.22 152.47 236.00 274.99 135.53 52.86 93.48 28.28 0.00 0.00 117.96 448.17 24.37 118.90 26.60 305.11 457.07 0.00

2823.2 1972.6 1081.9 793.98 616.33 566.81 503.18 452.26 424.40 410.91 395.24 379.46 370.92 375.75 356.32 336.61 311.82 311.27 334.47 332.34

332.34

Page 25 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 07 - BENGKULU

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,673 1,297 1,102 437 392 136 66 43 27 16 16 15 10 17 7 9 15 5 1 1 5,285

1,673 31.66 2,970 24.54 4,072 20.85 4,509 8.27 4,901 7.42 5,037 2.57 5,103 1.25 5,146 0.81 5,173 0.51 5,189 0.30 5,205 0.30 5,220 0.28 5,230 0.19 5,247 0.32 5,254 0.13 5,263 0.17 5,278 0.28 5,283 0.09 5,284 0.02 5,285 0.02

DATA POSITION FROM

31.66 56.20 77.05 85.32 92.73 95.31 96.56 97.37 97.88 98.18 98.49 98.77 98.96 99.28 99.41 99.58 99.87 99.96 99.98 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 373.17 324.37 622.69 437.25 601.35 296.57 163.18 151.39 100.20 61.84 50.03 241.64 125.07 199.45 73.20 363.56 482.23 46.24 49.09 0.03 4,762.55

373.17 7.84 7.84 697.55 6.81 14.65 1,320.23 13.07 27.72 1,757.48 9.18 36.90 2,358.83 12.63 49.53 2,655.40 6.23 55.76 2,818.58 3.43 59.18 2,969.97 3.18 62.36 3,070.16 2.10 64.46 3,132.00 1.30 65.76 3,182.03 1.05 66.81 3,423.68 5.07 71.89 3,548.75 2.63 74.51 3,748.20 4.19 78.70 3,821.40 1.54 80.24 4,184.96 7.63 87.87 4,667.19 10.13 98.00 4,713.42 0.97 98.97 4,762.52 1.03 100.00 4,762.55 0.00 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

3 11 3 1 0 0 1 0 0 0 0 0 0 3 1 0 0 1 0 0

6,663.07 750.11 216.56 156.43 0.00 0.00 34.06 0.00 0.00 0.00 0.00 0.00 0.00 2,048.56 14.89 0.00 0.00 1,880.00 0.00 0.00

3 14 17 18 18 18 19 19 19 19 19 19 19 22 23 23 23 24 24 24

12.50 12.50 45.83 58.33 12.50 70.83 4.17 75.00 0.00 75.00 0.00 75.00 4.17 79.17 0.00 79.17 0.00 79.17 0.00 79.17 0.00 79.17 0.00 79.17 0.00 79.17 12.50 91.67 4.17 95.83 0.00 95.83 0.00 95.83 4.17 100.00 0.00 100.00 0.00 100.00

11,763.67

6,663.07 56.64 7,413.18 6.38 7,629.74 1.84 7,786.17 1.33 7,786.17 0.00 7,786.17 0.00 7,820.23 0.29 7,820.23 0.00 7,820.23 0.00 7,820.23 0.00 7,820.23 0.00 7,820.23 0.00 7,820.23 0.00 9,868.78 17.41 9,883.67 0.13 9,883.67 0.00 9,883.67 0.00 11,763.67 15.98 11,763.67 0.00 11,763.67 0.00

56.64 63.02 64.86 66.19 66.19 66.19 66.48 66.48 66.48 66.48 66.48 66.48 66.48 83.89 84.02 84.02 84.02 100.00 100.00 100.00

1785.5 231.25 34.78 35.78 0.00 0.00 20.87 0.00 0.00 0.00 0.00 0.00 0.00 1027.1 20.33 0.00 0.00 4066.1 0.00 0.00

1785.5 1062.7 577.91 443.03 330.09 293.22 277.45 263.31 254.72 249.69 245.76 228.42 220.37 263.29 258.64 236.17 211.77 249.58 247.01 247.00

247.00

Page 26 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 08 - LAMPUNG

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,751 3,179 3,252 1,669 1,736 716 528 448 246 165 119 124 107 147 86 149 145 36 47 8 15,658

2,751 5,930 9,182 10,851 12,587 13,303 13,831 14,279 14,525 14,690 14,809 14,933 15,040 15,187 15,273 15,422 15,567 15,603 15,650 15,658

17.57 20.30 20.77 10.66 11.09 4.57 3.37 2.86 1.57 1.05 0.76 0.79 0.68 0.94 0.55 0.95 0.93 0.23 0.30 0.05

17.57 37.87 58.64 69.30 80.39 84.96 88.33 91.19 92.76 93.82 94.58 95.37 96.05 96.99 97.54 98.49 99.42 99.65 99.95 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 687.75 543.57 1,179.77 989.78 1,790.16 1,080.61 1,084.12 1,217.37 844.26 677.65 512.21 608.94 758.69 1,447.73 1,154.34 2,832.25 3,273.56 911.17 889.40 44.66 22,528.00

687.75 3.05 3.05 1,231.32 2.41 5.47 2,411.09 5.24 10.70 3,400.87 4.39 15.10 5,191.03 7.95 23.04 6,271.65 4.80 27.84 7,355.76 4.81 32.65 8,573.14 5.40 38.06 9,417.40 3.75 41.80 10,095.05 3.01 44.81 10,607.26 2.27 47.08 11,216.20 2.70 49.79 11,974.90 3.37 53.16 13,422.62 6.43 59.58 14,576.96 5.12 64.71 17,409.21 12.57 77.28 20,682.77 14.53 91.81 21,593.94 4.04 95.85 22,483.34 3.95 99.80 22,528.00 0.20 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 11 1 0 4 4 1 5 5 2 1 1 1 0 8 2 7 10 3 0 0 66

11 12 12 16 20 21 26 31 33 34 35 36 36 44 46 53 63 66 66 66

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

16.67 16.67 1,657.08 1.52 18.18 7.19 0.00 18.18 0.00 6.06 24.24 112.00 6.06 30.30 347.29 1.52 31.82 210.90 7.58 39.39 107.91 7.58 46.97 188.72 3.03 50.00 4.24 1.52 51.52 6.50 1.52 53.03 458.98 1.52 54.55 269.05 0.00 54.55 0.00 12.12 66.67 367.41 3.03 69.70 3,082.30 10.61 80.30 3,289.06 15.15 95.45 11,298.92 4.55 100.00 257.94 0.00 100.00 0.00 0.00 100.00 0.00 21,665.50

1,657.08 7.65 1,664.27 0.03 1,664.27 0.00 1,776.27 0.52 2,123.56 1.60 2,334.47 0.97 2,442.37 0.50 2,631.09 0.87 2,635.33 0.02 2,641.83 0.03 3,100.81 2.12 3,369.86 1.24 3,369.86 0.00 3,737.27 1.70 6,819.58 14.23 10,108.64 15.18 21,407.56 52.15 21,665.50 1.19 21,665.50 0.00 21,665.50 0.00

7.65 7.68 7.68 8.20 9.80 10.78 11.27 12.14 12.16 12.19 14.31 15.55 15.55 17.25 31.48 46.66 98.81 100.00 100.00 100.00

240.94 1.32 0.00 11.32 19.40 19.52 9.95 15.50 0.50 0.96 89.61 44.18 0.00 25.38 267.02 116.13 345.16 28.31 0.00 0.00

240.94 135.16 69.03 52.23 40.91 37.22 33.20 30.69 27.98 26.17 29.23 30.04 28.14 27.84 46.78 58.06 103.50 100.33 96.36 96.17

96.17

Page 27 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 09 - DKI JAKARTA

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 21,783 16,948 32,363 26,889 34,800 18,076 13,602 10,168 5,693 3,012 2,286 2,767 1,809 1,986 1,307 1,840 1,499 692 928 293 198,741

21,783 38,731 71,094 97,983 132,783 150,859 164,461 174,629 180,322 183,334 185,620 188,387 190,196 192,182 193,489 195,329 196,828 197,520 198,448 198,741

10.96 8.53 16.28 13.53 17.51 9.10 6.84 5.12 2.86 1.52 1.15 1.39 0.91 1.00 0.66 0.93 0.75 0.35 0.47 0.15

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

10.96 14,943.67 19.49 3,814.30 35.77 9,630.32 49.30 12,546.10 66.81 24,248.72 75.91 19,393.07 82.75 19,835.35 87.87 20,667.31 90.73 15,524.21 92.25 10,699.71 93.40 9,308.91 94.79 13,399.86 95.70 10,516.14 96.70 14,767.12 97.36 11,473.84 98.28 23,976.94 99.04 23,990.06 99.39 13,794.42 99.85 36,548.47 100.00 158,758.37 467,836.90

14,943.67 3.19 3.19 18,757.98 0.82 4.01 28,388.30 2.06 6.07 40,934.40 2.68 8.75 65,183.11 5.18 13.93 84,576.19 4.15 18.08 104,411.54 4.24 22.32 125,078.85 4.42 26.74 140,603.07 3.32 30.05 151,302.77 2.29 32.34 160,611.69 1.99 34.33 174,011.54 2.86 37.19 184,527.68 2.25 39.44 199,294.80 3.16 42.60 210,768.64 2.45 45.05 234,745.58 5.13 50.18 258,735.64 5.13 55.30 272,530.06 2.95 58.25 309,078.53 7.81 66.07 467,836.90 33.93 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 300 82 195 266 423 269 213 188 119 102 66 84 80 95 67 230 143 145 303 148 3,518

300 8.53 8.53 382 2.33 10.86 577 5.54 16.40 843 7.56 23.96 1,266 12.02 35.99 1,535 7.65 43.63 1,748 6.05 49.69 1,936 5.34 55.03 2,055 3.38 58.41 2,157 2.90 61.31 2,223 1.88 63.19 2,307 2.39 65.58 2,387 2.27 67.85 2,482 2.70 70.55 2,549 1.90 72.46 2,779 6.54 78.99 2,922 4.06 83.06 3,067 4.12 87.18 3,370 8.61 95.79 3,518 4.21 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 222,690.5 222,690.5 19.07 8,029.23 230,719.7 0.69 6,451.06 237,170.8 0.55 9,642.97 246,813.8 0.83 22,193.50 269,007.3 1.90 13,549.41 282,556.7 1.16 17,433.69 299,990.4 1.49 21,385.54 321,375.9 1.83 24,382.52 345,758.4 2.09 16,358.34 362,116.8 1.40 17,208.37 379,325.1 1.47 32,732.00 412,057.1 2.80 7,534.51 419,591.7 0.65 22,234.16 441,825.8 1.90 26,998.90 468,824.7 2.31 72,514.62 541,339.3 6.21 163,336.3 704,675.7 13.99 89,752.49 794,428.2 7.69 243,392.6 1,037,820. 20.84 130,044.5 1,167,865. 11.14 1,167,865.

19.07 19.76 20.31 21.13 23.03 24.19 25.69 27.52 29.61 31.01 32.48 35.28 35.93 37.83 40.14 46.35 60.34 68.02 88.86 100.00

1490.2 210.50 66.99 76.86 91.52 69.87 87.89 103.48 157.06 152.89 184.86 244.27 71.65 150.57 235.31 302.43 680.85 650.64 665.94 81.91

1490.2 1229.9 835.45 602.95 412.69 334.09 287.32 256.94 245.91 239.33 236.18 236.80 227.39 221.69 222.44 230.61 272.35 291.50 335.78 249.63

249.63

Page 28 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 10 - JAWA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 26,174 23,768 25,566 13,803 13,683 6,688 4,813 3,747 2,132 1,308 1,063 1,314 938 1,289 916 1,626 1,482 789 871 249 132,219

26,174 49,942 75,508 89,311 102,994 109,682 114,495 118,242 120,374 121,682 122,745 124,059 124,997 126,286 127,202 128,828 130,310 131,099 131,970 132,219

DATA POSITION FROM

19.80 19.80 17.98 37.77 19.34 57.11 10.44 67.55 10.35 77.90 5.06 82.95 3.64 86.59 2.83 89.43 1.61 91.04 0.99 92.03 0.80 92.83 0.99 93.83 0.71 94.54 0.97 95.51 0.69 96.21 1.23 97.44 1.12 98.56 0.60 99.15 0.66 99.81 0.19 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

12,612.50 4,492.04 8,690.89 7,446.15 12,108.78 8,771.69 9,383.47 9,382.52 7,001.01 5,172.24 5,035.16 6,948.55 6,059.34 10,554.60 9,855.16 61,711.24 22,621.32 14,044.32 16,176.08 16,574.97

132 132 10.19 10.19 37 169 2.85 13.04 83 252 6.40 19.44 57 309 4.40 23.84 77 386 5.94 29.78 42 428 3.24 33.02 26 454 2.01 35.03 33 487 2.55 37.58 29 516 2.24 39.81 19 535 1.47 41.28 23 558 1.77 43.06 33 591 2.55 45.60 23 614 1.77 47.38 62 676 4.78 52.16 48 724 3.70 55.86 115 839 8.87 64.74 141 980 10.88 75.62 115 1,095 8.87 84.49 97 1,192 7.48 91.98 104 1,296 8.02 100.00

254,642.02

12,612.50 4.95 4.95 17,104.53 1.76 6.72 25,795.42 3.41 10.13 33,241.57 2.92 13.05 45,350.35 4.76 17.81 54,122.04 3.44 21.25 63,505.51 3.68 24.94 72,888.03 3.68 28.62 79,889.04 2.75 31.37 85,061.28 2.03 33.40 90,096.45 1.98 35.38 97,044.99 2.73 38.11 103,104.33 2.38 40.49 113,658.93 4.14 44.63 123,514.09 3.87 48.50 185,225.33 24.23 72.74 207,846.65 8.88 81.62 221,890.96 5.52 87.14 238,067.05 6.35 93.49 254,642.02 6.51 100.00

1,296

01/01/2006

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 48,512.83 427.43 2,299.77 2,070.26 6,872.60 37,324.84 4,271.19 4,233.66 6,150.43 2,990.91 15,463.79 55,498.27 1,536.18 38,575.35 12,561.55 27,465.92 56,336.23 50,294.06 39,811.86 85,609.00 498,306.1

48,512.83 48,940.27 51,240.04 53,310.30 60,182.90 97,507.74 101,778.94 106,012.60 112,163.02 115,153.93 130,617.72 186,116.00 187,652.17 226,227.52 238,789.07 266,254.99 322,591.22 372,885.28 412,697.14 498,306.14

9.74 0.09 0.46 0.42 1.38 7.49 0.86 0.85 1.23 0.60 3.10 11.14 0.31 7.74 2.52 5.51 11.31 10.09 7.99 17.18

9.74 9.82 10.28 10.70 12.08 19.57 20.42 21.27 22.51 23.11 26.21 37.35 37.66 45.40 47.92 53.43 64.74 74.83 82.82 100.00

384.64 9.52 26.46 27.80 56.76 425.51 45.52 45.12 87.85 57.83 307.12 798.70 25.35 365.48 127.46 44.51 249.04 358.11 246.12 516.50

384.64 286.12 198.64 160.37 132.71 180.16 160.27 145.45 140.40 135.38 144.98 191.78 182.00 199.04 193.33 143.75 155.21 168.05 173.35 195.69

195.69

Page 29 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 11 - JAWA TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 22,568 14,080 11,721 5,738 6,260 3,280 2,437 2,056 1,184 697 505 619 401 571 339 548 452 184 177 91 73,908

22,568 30.54 36,648 19.05 48,369 15.86 54,107 7.76 60,367 8.47 63,647 4.44 66,084 3.30 68,140 2.78 69,324 1.60 70,021 0.94 70,526 0.68 71,145 0.84 71,546 0.54 72,117 0.77 72,456 0.46 73,004 0.74 73,456 0.61 73,640 0.25 73,817 0.24 73,908 0.12

30.54 49.59 65.44 73.21 81.68 86.12 89.41 92.20 93.80 94.74 95.42 96.26 96.80 97.58 98.04 98.78 99.39 99.64 99.88 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,550.39 2,720.20 4,478.50 2,294.56 6,219.06 4,502.03 4,533.70 5,416.02 3,904.75 747.62 2,515.53 3,622.79 3,052.28 5,345.97 4,837.28 9,722.45 8,480.97 3,728.09 3,204.30 4,312.66 90,189.13

6,550.39 7.26 7.26 9,270.59 3.02 10.28 13,749.09 4.97 15.24 16,043.65 2.54 17.79 22,262.71 6.90 24.68 26,764.74 4.99 29.68 31,298.44 5.03 34.70 36,714.46 6.01 40.71 40,619.21 4.33 45.04 41,366.83 0.83 45.87 43,882.35 2.79 48.66 47,505.14 4.02 52.67 50,557.42 3.38 56.06 55,903.39 5.93 61.98 60,740.67 5.36 67.35 70,463.12 10.78 78.13 78,944.09 9.40 87.53 82,672.18 4.13 91.67 85,876.47 3.55 95.22 90,189.13 4.78 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 51 10 6 10 15 11 14 46 16 9 6 16 16 16 10 26 56 49 23 12 418

51 61 67 77 92 103 117 163 179 188 194 210 226 242 252 278 334 383 406 418

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

12.20 12.20 9,840.95 2.39 14.59 375.11 1.44 16.03 119.12 2.39 18.42 369.74 3.59 22.01 498.63 2.63 24.64 190.62 3.35 27.99 446.26 11.00 39.00 2,097.64 3.83 42.82 861.06 2.15 44.98 502.80 1.44 46.41 4,267.80 3.83 50.24 3,971.20 3.83 54.07 230.80 3.83 57.89 270.06 2.39 60.29 115.84 6.22 66.51 1,991.08 13.40 79.90 31,847.54 11.72 91.63 62,521.92 5.50 97.13 3,087.19 2.87 100.00 115,146.9 238,752.2

9,840.95 4.12 10,216.06 0.16 10,335.18 0.05 10,704.92 0.15 11,203.54 0.21 11,394.17 0.08 11,840.43 0.19 13,938.07 0.88 14,799.14 0.36 15,301.93 0.21 19,569.74 1.79 23,540.94 1.66 23,771.74 0.10 24,041.80 0.11 24,157.64 0.05 26,148.72 0.83 57,996.26 13.34 120,518.1 26.19 123,605.3 1.29 238,752.2 48.23

4.12 4.28 4.33 4.48 4.69 4.77 4.96 5.84 6.20 6.41 8.20 9.86 9.96 10.07 10.12 10.95 24.29 50.48 51.77 100.00

150.23 13.79 2.66 16.11 8.02 4.23 9.84 38.73 22.05 67.25 169.66 109.62 7.56 5.05 2.39 20.48 375.52 1677.0 96.35 2669.9

150.23 110.20 75.17 66.72 50.32 42.57 37.83 37.96 36.43 36.99 44.60 49.55 47.02 43.01 39.77 37.11 73.46 145.78 143.93 264.72

264.72

Page 30 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 12 - DI YOGYAKARTA

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,260 1,685 1,675 907 977 559 410 289 174 122 55 98 48 67 38 70 42 24 21 1 9,522

2,260 3,945 5,620 6,527 7,504 8,063 8,473 8,762 8,936 9,058 9,113 9,211 9,259 9,326 9,364 9,434 9,476 9,500 9,521 9,522

23.73 17.70 17.59 9.53 10.26 5.87 4.31 3.04 1.83 1.28 0.58 1.03 0.50 0.70 0.40 0.74 0.44 0.25 0.22 0.01

23.73 41.43 59.02 68.55 78.81 84.68 88.98 92.02 93.85 95.13 95.70 96.73 97.24 97.94 98.34 99.08 99.52 99.77 99.99 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 512.90 293.11 479.42 448.34 819.34 683.95 658.03 640.00 502.55 459.10 290.47 491.73 543.70 620.23 545.57 1,175.98 739.15 296.77 442.81 182.18 10,825.35

512.90 4.74 4.74 806.01 2.71 7.45 1,285.43 4.43 11.87 1,733.78 4.14 16.02 2,553.12 7.57 23.58 3,237.07 6.32 29.90 3,895.10 6.08 35.98 4,535.10 5.91 41.89 5,037.65 4.64 46.54 5,496.75 4.24 50.78 5,787.22 2.68 53.46 6,278.96 4.54 58.00 6,822.66 5.02 63.02 7,442.88 5.73 68.75 7,988.46 5.04 73.79 9,164.44 10.86 84.66 9,903.59 6.83 91.49 10,200.36 2.74 94.23 10,643.17 4.09 98.32 10,825.35 1.68 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

17 3 5 3 9 8 0 6 3 0 0 4 3 4 0 3 3 2 9 0

17 20.73 20.73 1,100.52 20 3.66 24.39 67.69 25 6.10 30.49 62.27 28 3.66 34.15 771.06 37 10.98 45.12 515.65 45 9.76 54.88 555.51 45 0.00 54.88 0.00 51 7.32 62.20 26.52 54 3.66 65.85 39.55 54 0.00 65.85 0.00 54 0.00 65.85 0.00 58 4.88 70.73 69.49 61 3.66 74.39 175.03 65 4.88 79.27 213.42 65 0.00 79.27 0.00 68 3.66 82.93 199.74 71 3.66 86.59 111.80 73 2.44 89.02 779.40 82 10.98 100.00 12,756.71 82 0.00 100.00 0.00

17,444.38

1,100.52 6.31 1,168.20 0.39 1,230.48 0.36 2,001.54 4.42 2,517.19 2.96 3,072.70 3.18 3,072.70 0.00 3,099.23 0.15 3,138.78 0.23 3,138.78 0.00 3,138.78 0.00 3,208.28 0.40 3,383.31 1.00 3,596.73 1.22 3,596.73 0.00 3,796.47 1.15 3,908.27 0.64 4,687.67 4.47 17,444.38 73.13 17,444.38 0.00

6.31 6.70 7.05 11.47 14.43 17.61 17.61 17.77 17.99 17.99 17.99 18.39 19.39 20.62 20.62 21.76 22.40 26.87 100.00 100.00

214.57 23.09 12.99 171.98 62.94 81.22 0.00 4.14 7.87 0.00 0.00 14.13 32.19 34.41 0.00 16.99 15.12 262.63 2880.8 0.00

214.57 144.94 95.72 115.44 98.59 94.92 78.89 68.34 62.31 57.10 54.24 51.10 49.59 48.32 45.02 41.43 39.46 45.96 163.90 161.14

161.14

Page 31 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 13 - JAWA TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

21,739 16,768 17,586 10,376 11,515 6,567 4,627 4,134 2,306 1,380 1,089 1,224 846 1,096 726 1,078 842 405 375 143 104,822

21,739 38,507 56,093 66,469 77,984 84,551 89,178 93,312 95,618 96,998 98,087 99,311 100,157 101,253 101,979 103,057 103,899 104,304 104,679 104,822

20.74 16.00 16.78 9.90 10.99 6.26 4.41 3.94 2.20 1.32 1.04 1.17 0.81 1.05 0.69 1.03 0.80 0.39 0.36 0.14

20.74 36.74 53.51 63.41 74.40 80.66 85.08 89.02 91.22 92.54 93.57 94.74 95.55 96.60 97.29 98.32 99.12 99.51 99.86 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 8,214.41 3,305.42 6,459.41 5,987.25 10,159.96 7,955.32 7,834.22 10,001.02 6,988.83 5,273.51 5,012.87 7,275.84 6,029.90 10,995.95 9,109.42 18,848.57 15,811.74 6,511.69 11,514.05 3,061.89 166,351.28

8,214.41 11,519.83 17,979.23 23,966.48 34,126.44 42,081.77 49,915.99 59,917.02 66,905.85 72,179.36 77,192.23 84,468.06 90,497.97 101,493.92 110,603.34 129,451.91 145,263.65 151,775.34 163,289.40 166,351.28

4.94 4.94 1.99 6.92 3.88 10.81 3.60 14.41 6.11 20.51 4.78 25.30 4.71 30.01 6.01 36.02 4.20 40.22 3.17 43.39 3.01 46.40 4.37 50.78 3.62 54.40 6.61 61.01 5.48 66.49 11.3 77.82 9.51 87.32 3.91 91.24 6.92 98.16 1.84 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

65 9 18 13 22 18 17 14 10 13 8 40 14 37 16 27 38 38 69 27 513

65 12.67 12.67 74 1.75 14.42 92 3.51 17.93 105 2.53 20.47 127 4.29 24.76 145 3.51 28.27 162 3.31 31.58 176 2.73 34.31 186 1.95 36.26 199 2.53 38.79 207 1.56 40.35 247 7.80 48.15 261 2.73 50.88 298 7.21 58.09 314 3.12 61.21 341 5.26 66.47 379 7.41 73.88 417 7.41 81.29 486 13.45 94.74 513 5.26 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 9,598.95 705.72 697.26 560.16 5,997.91 1,884.43 1,955.93 664.34 2,582.55 242.57 302.61 9,616.07 3,801.70 4,874.32 18,596.39 2,723.85 46,089.99 26,813.92 34,140.11 65,033.40 236,882.18

9,598.95 10,304.67 11,001.93 11,562.09 17,560.00 19,444.42 21,400.36 22,064.70 24,647.26 24,889.82 25,192.44 34,808.51 38,610.21 43,484.53 62,080.92 64,804.77 110,894.76 137,708.68 171,848.78 236,882.18

4.05 0.30 0.29 0.24 2.53 0.80 0.83 0.28 1.09 0.10 0.13 4.06 1.60 2.06 7.85 1.15 19.46 11.32 14.41 27.45

4.05 4.35 4.64 4.88 7.41 8.21 9.03 9.31 10.40 10.51 10.64 14.69 16.30 18.36 26.21 27.36 46.81 58.13 72.55 100.0

LOSS RATIO PERCENTAGE BAND CUM 116.85 116.85 21.35 89.45 10.79 61.19 9.36 48.24 59.03 51.46 23.69 46.21 24.97 42.87 6.64 36.83 36.95 36.84 4.60 34.48 6.04 32.64 132.16 41.21 63.05 42.66 44.33 42.84 204.14 56.13 14.45 50.06 291.49 76.34 411.78 90.73 296.51 105.24 2123.97 142.40 142.40

Page 32 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 14 - KALIMANTAN BARAT

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,812 7,970 6,331 2,059 1,619 505 340 233 121 45 52 47 38 52 25 54 46 21 28 4 25,40

5,812 22.88 13,782 31.38 20,113 24.92 22,172 8.11 23,791 6.37 24,296 1.99 24,636 1.34 24,869 0.92 24,990 0.48 25,035 0.18 25,087 0.20 25,134 0.19 25,172 0.15 25,224 0.20 25,249 0.10 25,303 0.21 25,349 0.18 25,370 0.08 25,398 0.11 25,402 0.02

22.88 54.26 79.18 87.28 93.66 95.65 96.98 97.90 98.38 98.56 98.76 98.94 99.09 99.30 99.40 99.61 99.79 99.87 99.98 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,469.54 3,889.61 6,034.19 3,304.09 4,035.48 1,805.59 1,466.97 997.43 794.06 301.20 440.53 541.78 618.52 2,120.26 566.99 1,000.21 1,063.09 848.04 473.19 -40.73 32,730.04

2,469.54 6,359.15 12,393.35 15,697.44 19,732.92 21,538.51 23,005.48 24,002.91 24,796.97 25,098.17 25,538.70 26,080.47 26,699.00 28,819.26 29,386.25 30,386.46 31,449.55 32,297.59 32,770.78 32,730.04

7.55 7.55 11.88 19.43 18.44 37.87 10.09 47.96 12.33 60.29 5.52 65.81 4.48 70.29 3.05 73.34 2.43 75.76 0.92 76.68 1.35 78.03 1.66 79.68 1.89 81.57 6.48 88.05 1.73 89.78 3.06 92.84 3.25 96.09 2.59 98.68 1.45 100.12 -0.12 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 20 35 22 2 4 2 1 1 2 4 0 2 1 2 1 1 0 2 1 0 103

20 19.42 19.42 55 33.98 53.40 77 21.36 74.76 79 1.94 76.70 83 3.88 80.58 85 1.94 82.52 86 0.97 83.50 87 0.97 84.47 89 1.94 86.41 93 3.88 90.29 93 0.00 90.29 95 1.94 92.23 96 0.97 93.20 98 1.94 95.15 99 0.97 96.12 100 0.97 97.09 100 0.00 97.09 102 1.94 99.03 103 0.97 100.00 103 0.00 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 632.25 1,799.28 1,842.89 370.94 1,970.59 591.44 9.99 217.70 297.62 227.73 0.00 618.74 827.97 143.75 40.00 944.02 0.00 6,871.72 16,334.95 0.00 33,741.60

632.25 1.87 2,431.53 5.33 4,274.42 5.46 4,645.36 1.10 6,615.95 5.84 7,207.39 1.75 7,217.38 0.03 7,435.08 0.65 7,732.71 0.88 7,960.44 0.67 7,960.44 0.00 8,579.19 1.83 9,407.15 2.45 9,550.90 0.43 9,590.90 0.12 10,534.92 2.80 10,534.92 0.00 17,406.64 20.37 33,741.60 48.41 33,741.60 0.00

1.87 7.21 12.67 13.77 19.61 21.36 21.39 22.04 22.92 23.59 23.59 25.43 27.88 28.31 28.42 31.22 31.22 51.59 100.00 100.00

25.60 25.60 46.26 38.24 30.54 34.49 11.23 29.59 48.83 33.53 32.76 33.46 0.68 31.37 21.83 30.98 37.48 31.18 75.61 31.72 0.00 31.17 114.21 32.90 133.86 35.23 6.78 33.14 7.05 32.64 94.38 34.67 0.00 33.50 810.31 53.89 3452.1 102.96 0.00 103.09 103.09

Page 33 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 15 - KALIMANTAN TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,380 1,342 1,039 499 507 243 133 89 64 28 18 29 15 21 19 29 14 12 5 3 5,489

1,380 25.14 2,722 24.45 3,761 18.93 4,260 9.09 4,767 9.24 5,010 4.43 5,143 2.42 5,232 1.62 5,296 1.17 5,324 0.51 5,342 0.33 5,371 0.53 5,386 0.27 5,407 0.38 5,426 0.35 5,455 0.53 5,469 0.26 5,481 0.22 5,486 0.09 5,489 0.05

25.14 49.59 68.52 77.61 86.85 91.27 93.70 95.32 96.48 96.99 97.32 97.85 98.12 98.51 98.85 99.38 99.64 99.85 99.95 100.00

611.18 471.17 800.46 615.46 780.49 619.55 454.98 313.53 314.67 112.65 131.96 454.76 153.99 407.84 192.75 657.24 854.89 366.07 125.00 41.34 8,479.98

611.18 7.21 7.21 1,082.35 5.56 12.76 1,882.81 9.44 22.20 2,498.26 7.26 29.46 3,278.75 9.20 38.66 3,898.31 7.31 45.97 4,353.28 5.37 51.34 4,666.82 3.70 55.03 4,981.49 3.71 58.74 5,094.14 1.33 60.07 5,226.10 1.56 61.63 5,680.86 5.36 66.99 5,834.85 1.82 68.81 6,242.68 4.81 73.62 6,435.43 2.27 75.89 7,092.68 7.75 83.64 7,947.56 10.08 93.72 8,313.64 4.32 98.04 8,438.64 1.47 99.51 8,479.98 0.49 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 5 4 5 2 2 1 1 0 1 0 1 2 1 2 1 7 1 0 0 0 36

5 9 14 16 18 19 20 20 21 21 22 24 25 27 28 35 36 36 36 36

13.89 11.11 13.89 5.56 5.56 2.78 2.78 0.00 2.78 0.00 2.78 5.56 2.78 5.56 2.78 19.44 2.78 0.00 0.00 0.00

13.89 25.00 38.89 44.44 50.00 52.78 55.56 55.56 58.33 58.33 61.11 66.67 69.44 75.00 77.78 97.22 100.00 100.00 100.00 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 1,266.07 217.84 650.50 222.16 418.70 73.09 39.01 0.00 22.50 0.00 22.05 24.00 2,233.38 276.88 7.12 639.72 89.64 0.00 0.00 0.00 6,202.66

1,266.07 1,483.91 2,134.41 2,356.56 2,775.26 2,848.35 2,887.36 2,887.36 2,909.86 2,909.86 2,931.91 2,955.91 5,189.29 5,466.17 5,473.29 6,113.01 6,202.66 6,202.66 6,202.66 6,202.66

20.41 3.51 10.49 3.58 6.75 1.18 0.63 0.00 0.36 0.00 0.36 0.39 36.01 4.46 0.11 10.31 1.45 0.00 0.00 0.00

20.41 207.15 207.15 23.92 46.23 137.10 34.41 81.27 113.36 37.99 36.10 94.33 44.74 53.65 84.64 45.92 11.80 73.07 46.55 8.57 66.33 46.55 0.00 61.87 46.91 7.15 58.41 46.91 0.00 57.12 47.27 16.71 56.10 47.66 5.28 52.03 83.66 1450.3 88.94 88.13 67.89 87.56 88.24 3.69 85.05 98.55 97.33 86.19 100.00 10.49 78.04 100.00 0.00 74.61 100.00 0.00 73.50 100.00 0.00 73.14 73.14

Page 34 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 16 - KALIMANTAN SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,382 2,696 2,478 1,145 1,103 614 381 300 162 100 61 78 46 77 54 77 53 49 46 11 12,913

3,382 26.19 6,078 20.88 8,556 19.19 9,701 8.87 10,804 8.54 11,418 4.75 11,799 2.95 12,099 2.32 12,261 1.25 12,361 0.77 12,422 0.47 12,500 0.60 12,546 0.36 12,623 0.60 12,677 0.42 12,754 0.60 12,807 0.41 12,856 0.38 12,902 0.36 12,913 0.09

26.19 47.07 66.26 75.13 83.67 88.42 91.37 93.70 94.95 95.73 96.20 96.80 97.16 97.75 98.17 98.77 99.18 99.56 99.91 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 879.31 621.85 982.91 815.39 1,489.93 1,191.42 935.60 996.92 696.48 542.54 359.55 604.22 497.93 1,287.47 870.59 1,355.11 898.91 1,502.96 1,620.62 267.25 18,416.96

879.31 1,501.16 2,484.06 3,299.45 4,789.38 5,980.80 6,916.40 7,913.32 8,609.80 9,152.34 9,511.90 10,116.12 10,614.05 11,901.52 12,772.11 14,127.22 15,026.13 16,529.09 18,149.71 18,416.96

4.77 4.77 3.38 8.15 5.34 13.49 4.43 17.92 8.09 26.01 6.47 32.47 5.08 37.55 5.41 42.97 3.78 46.75 2.95 49.70 1.95 51.65 3.28 54.93 2.70 57.63 6.99 64.62 4.73 69.35 7.36 76.71 4.88 81.59 8.16 89.75 8.80 98.55 1.45 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 22 10 11 3 2 1 0 1 0 0 0 0 1 1 0 4 5 0 12 0 73

22 32 43 46 48 49 49 50 50 50 50 50 51 52 52 56 61 61 73 73

30.14 30.14 13.70 43.84 15.07 58.90 4.11 63.01 2.74 65.75 1.37 67.12 0.00 67.12 1.37 68.49 0.00 68.49 0.00 68.49 0.00 68.49 0.00 68.49 1.37 69.86 1.37 71.23 0.00 71.23 5.48 76.71 6.85 83.56 0.00 83.56 16.44 100.00 0.00 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 9,964.00 471.94 2,063.20 439.56 381.06 61.75 0.00 2.50 0.00 0.00 0.00 0.00 4.03 50.00 0.00 5,194.18 5,773.45 0.00 17,002.36 0.00 41,408.04

9,964.00 10,435.94 12,499.14 12,938.70 13,319.76 13,381.52 13,381.52 13,384.02 13,384.02 13,384.02 13,384.02 13,384.02 13,388.05 13,438.05 13,438.05 18,632.23 24,405.68 24,405.68 41,408.04 41,408.04

24.06 1.14 4.98 1.06 0.92 0.15 0.00 0.01 0.00 0.00 0.00 0.00 0.01 0.12 0.00 12.54 13.94 0.00 41.06 0.00

24.06 25.20 30.19 31.25 32.17 32.32 32.32 32.32 32.32 32.32 32.32 32.32 32.33 32.45 32.45 45.00 58.94 58.94 100.00 100.00

1133.1 75.89 209.91 53.91 25.58 5.18 0.00 0.25 0.00 0.00 0.00 0.00 0.81 3.88 0.00 383.30 642.27 0.00 1049.1 0.00

1133.1 695.19 503.17 392.15 278.11 223.74 193.48 169.13 155.45 146.24 140.71 132.30 126.14 112.91 105.21 131.89 162.42 147.65 228.15 224.84

224.84

Page 35 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 17 - KALIMANTAN TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,179 3,535 4,099 2,407 2,622 1,239 924 665 351 146 144 153 78 127 57 115 80 45 56 26 20,048

3,179 6,714 10,813 13,220 15,842 17,081 18,005 18,670 19,021 19,167 19,311 19,464 19,542 19,669 19,726 19,841 19,921 19,966 20,022 20,048

15.86 17.63 20.45 12.01 13.08 6.18 4.61 3.32 1.75 0.73 0.72 0.76 0.39 0.63 0.28 0.57 0.40 0.22 0.28 0.13

15.86 33.49 53.94 65.94 79.02 85.20 89.81 93.13 94.88 95.61 96.32 97.09 97.48 98.11 98.39 98.97 99.37 99.59 99.87 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

1,535.84 819.84 1,832.56 1,951.11 3,723.14 2,561.12 2,786.04 2,581.74 1,774.29 773.04 929.82 1,085.75 687.63 1,478.80 629.01 2,736.53 2,373.37 1,416.91 4,902.00 4,219.53

19 7 5 5 4 1 1 2 2 1 0 2 0 1 0 3 1 2 7 0

40,798.06

1,535.84 3.76 3.76 2,355.68 2.01 5.77 4,188.23 4.49 10.27 6,139.35 4.78 15.05 9,862.48 9.13 24.17 12,423.60 6.28 30.45 15,209.64 6.83 37.28 17,791.38 6.33 43.61 19,565.67 4.35 47.96 20,338.70 1.89 49.85 21,268.52 2.28 52.13 22,354.27 2.66 54.79 23,041.90 1.69 56.48 24,520.70 3.62 60.10 25,149.71 1.54 61.64 27,886.24 6.71 68.35 30,259.62 5.82 74.17 31,676.53 3.47 77.64 36,578.53 12.02 89.66 40,798.06 10.34 100.00

19 30.16 30.16 26 11.11 41.27 31 7.94 49.21 36 7.94 57.14 40 6.35 63.49 41 1.59 65.08 42 1.59 66.67 44 3.17 69.84 46 3.17 73.02 47 1.59 74.60 47 0.00 74.60 49 3.17 77.78 49 0.00 77.78 50 1.59 79.37 50 0.00 79.37 53 4.76 84.13 54 1.59 85.71 56 3.17 88.89 63 11.11 100.00 63 0.00 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 11,070.76 454.38 142.04 466.93 227.01 71.77 245.44 149.08 146.84 47.43 0.00 34.14 0.00 4.83 0.00 133.34 13.82 2,105.49 5,121.33 0.00 20,434.62

11,070.76 54.18 11,525.13 2.22 11,667.18 0.70 12,134.10 2.28 12,361.12 1.11 12,432.89 0.35 12,678.33 1.20 12,827.41 0.73 12,974.26 0.72 13,021.69 0.23 13,021.69 0.00 13,055.83 0.17 13,055.83 0.00 13,060.65 0.02 13,060.65 0.00 13,193.99 0.65 13,207.81 0.07 15,313.29 10.30 20,434.62 25.06 20,434.62 0.00

54.18 720.83 720.83 56.40 55.42 489.25 57.10 7.75 278.57 59.38 23.93 197.64 60.49 6.10 125.33 60.84 2.80 100.07 62.04 8.81 83.36 62.77 5.77 72.10 63.49 8.28 66.31 63.72 6.14 64.02 63.72 0.00 61.23 63.89 3.14 58.40 63.89 0.00 56.66 63.91 0.33 53.26 63.91 0.00 51.93 64.57 4.87 47.31 64.63 0.58 43.65 74.94 148.60 48.34 100.00 104.47 55.87 100.00 0.00 50.09 50.09

Page 36 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 18 - SULAWESI UTARA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,259 1,458 1,775 992 1,041 643 430 395 198 115 74 90 49 107 53 48 26 8 20 6 8,787

1,259 2,717 4,492 5,484 6,525 7,168 7,598 7,993 8,191 8,306 8,380 8,470 8,519 8,626 8,679 8,727 8,753 8,761 8,781 8,787

14.33 16.59 20.20 11.29 11.85 7.32 4.89 4.50 2.25 1.31 0.84 1.02 0.56 1.22 0.60 0.55 0.30 0.09 0.23 0.07

DATA POSITION FROM

14.33 30.92 51.12 62.41 74.26 81.58 86.47 90.96 93.22 94.53 95.37 96.39 96.95 98.17 98.77 99.32 99.61 99.70 99.93 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 860.77 305.20 678.46 606.45 1,172.00 1,292.56 1,305.00 1,352.57 837.34 566.02 454.97 850.35 500.97 1,175.31 599.38 788.33 294.30 153.43 1,556.41 49.41 15,399.22

860.77 5.59 5.59 1,165.96 1.98 7.57 1,844.43 4.41 11.98 2,450.88 3.94 15.92 3,622.87 7.61 23.53 4,915.43 8.39 31.92 6,220.43 8.47 40.39 7,572.99 8.78 49.18 8,410.34 5.44 54.62 8,976.36 3.68 58.29 9,431.34 2.95 61.25 10,281.69 5.52 66.77 10,782.65 3.25 70.02 11,957.96 7.63 77.65 12,557.34 3.89 81.55 13,345.67 5.12 86.66 13,639.97 1.91 88.58 13,793.40 1.00 89.57 15,349.81 10.11 99.68 15,399.22 0.32 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 1 1 5 3 9 4 5 0 1 0 0 2 2 1 1 1 2 5 0 45

2 3 4 9 12 21 25 30 30 31 31 31 33 35 36 37 38 40 45 45

4.44 4.44 2.22 6.67 2.22 8.89 11.11 20.00 6.67 26.67 20.00 46.67 8.89 55.56 11.11 66.67 0.00 66.67 2.22 68.89 0.00 68.89 0.00 68.89 4.44 73.33 4.44 77.78 2.22 80.00 2.22 82.22 2.22 84.44 4.44 88.89 11.11 100.00 0.00 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 35.63 3.77 1.25 2,449.13 321.34 427.24 1,870.45 1,777.58 0.00 272.57 0.00 0.00 4,460.29 507.37 2.65 4.82 24.05 523.93 309.20 0.00 12,991.26

35.63 39.40 40.65 2,489.78 2,811.12 3,238.36 5,108.81 6,886.39 6,886.39 7,158.96 7,158.96 7,158.96 11,619.25 12,126.62 12,129.26 12,134.08 12,158.13 12,682.06 12,991.26 12,991.26

0.27 0.03 0.01 18.85 2.47 3.29 14.40 13.68 0.00 2.10 0.00 0.00 34.33 3.91 0.02 0.04 0.19 4.03 2.38 0.00

0.27 0.30 0.31 19.17 21.64 24.93 39.32 53.01 53.01 55.11 55.11 55.11 89.44 93.34 93.36 93.40 93.59 97.62 100.0 100.0

4.14 1.24 0.18 403.85 27.42 33.05 143.33 131.42 0.00 48.15 0.00 0.00 890.33 43.17 0.44 0.61 8.17 341.49 19.87 0.00

4.14 3.38 2.20 101.59 77.59 65.88 82.13 90.93 81.88 79.75 75.91 69.63 107.76 101.41 96.59 90.92 89.14 91.94 84.63 84.36

84.36

Page 37 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 19 - SULAWESI TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

5,652

1,089 2,238 3,278 3,844 4,455 4,824 5,064 5,264 5,371 5,442 5,474 5,526 5,547 5,586 5,599 5,621 5,643 5,650 5,652 5,652

19.27 20.33 18.40 10.01 10.81 6.53 4.25 3.54 1.89 1.26 0.57 0.92 0.37 0.69 0.23 0.39 0.39 0.12 0.04 0.00

01/01/2006

15/12/2009

DATE

15/03/2010

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,089 1,149 1,040 566 611 369 240 200 107 71 32 52 21 39 13 22 22 7 2 0

19.27 39.60 58.00 68.01 78.82 85.35 89.60 93.14 95.03 96.28 96.85 97.77 98.14 98.83 99.06 99.45 99.84 99.96 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 263.45 314.95 578.32 604.22 1,008.67 942.19 778.59 842.71 540.49 417.09 222.48 445.28 193.30 407.77 560.57 349.28 320.41 171.60 23.93 0.00 8,985.29

263.45 2.93 2.93 578.39 3.51 6.44 1,156.71 6.44 12.87 1,760.93 6.72 19.60 2,769.60 11.23 30.82 3,711.79 10.49 41.31 4,490.38 8.67 49.97 5,333.09 9.38 59.35 5,873.58 6.02 65.37 6,290.67 4.64 70.01 6,513.15 2.48 72.49 6,958.42 4.96 77.44 7,151.73 2.15 79.59 7,559.50 4.54 84.13 8,120.07 6.24 90.37 8,469.34 3.89 94.26 8,789.75 3.57 97.82 8,961.36 1.91 99.73 8,985.29 0.27 100.00 8,985.29 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 1 1 4 0 2 1 1 0 1 1 0 0 0 0 0 0 0 0 12

0 0.00 0.00 0 0.00 0.00 1 8.33 8.33 2 8.33 16.67 6 33.33 50.00 6 0.00 50.00 8 16.67 66.67 9 8.33 75.00 10 8.33 83.33 10 0.00 83.33 11 8.33 91.67 12 8.33 100.00 12 0.00 100.00 12 0.00 100.00 12 0.00 100.00 12 0.00 100.00 12 0.00 100.00 12 0.00 100.00 12 0.00 100.00 12 0.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 56.25 56.48 84.87 0.00 586.80 1,052.54 27.57 0.00 2,036.83 2,671.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6,573.15

0.00 0.00 0.00 0.00 56.25 0.86 112.73 0.86 197.59 1.29 197.59 0.00 784.39 8.93 1,836.93 16.01 1,864.51 0.42 1,864.51 0.00 3,901.34 30.99 6,573.15 40.65 6,573.15 0.00 6,573.15 0.00 6,573.15 0.00 6,573.15 0.00 6,573.15 0.00 6,573.15 0.00 6,573.15 0.00 6,573.15 0.00

0.00 0.00 0.86 1.71 3.01 3.01 11.93 27.95 28.37 28.37 59.35 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM 0.00 0.00 9.73 9.35 8.41 0.00 75.37 124.90 5.10 0.00 915.53 600.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 4.86 6.40 7.13 5.32 17.47 34.44 31.74 29.64 59.90 94.46 91.91 86.95 80.95 77.61 74.78 73.35 73.15 73.15

73.15

Page 38 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 20 - SULAWESI SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

24,190

5,136 10,761 15,525 18,062 20,375 21,436 22,132 22,719 23,039 23,198 23,326 23,545 23,677 23,822 23,914 24,014 24,111 24,145 24,175 24,190

21.23 23.25 19.69 10.49 9.56 4.39 2.88 2.43 1.32 0.66 0.53 0.91 0.55 0.60 0.38 0.41 0.40 0.14 0.12 0.06

01/01/2006

15/12/2009

DATE

15/03/2010

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

5,136 5,625 4,764 2,537 2,313 1,061 696 587 320 159 128 219 132 145 92 100 97 34 30 15

21.23 44.49 64.18 74.67 84.23 88.62 91.49 93.92 95.24 95.90 96.43 97.33 97.88 98.48 98.86 99.27 99.67 99.81 99.94 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 912.93 1,692.68 2,302.00 2,274.62 3,223.20 2,221.54 1,830.87 2,116.65 1,403.40 721.75 706.26 1,539.81 1,292.88 1,492.83 1,539.80 2,067.46 1,911.63 609.22 1,132.69 967.89 31,960.10

912.93 2,605.61 4,907.61 7,182.22 10,405.43 12,626.96 14,457.84 16,574.48 17,977.88 18,699.63 19,405.89 20,945.71 22,238.58 23,731.41 25,271.21 27,338.67 29,250.30 29,859.51 30,992.20 31,960.10

2.86 2.86 5.30 8.15 7.20 15.36 7.12 22.47 10.09 32.56 6.95 39.51 5.73 45.24 6.62 51.86 4.39 56.25 2.26 58.51 2.21 60.72 4.82 65.54 4.05 69.58 4.67 74.25 4.82 79.07 6.47 85.54 5.98 91.52 1.91 93.43 3.54 96.97 3.03 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

6 5 9 1 4 6 4 3 3 2 1 2 1 0 0 2 3 0 15 3 70

6 11 20 21 25 31 35 38 41 43 44 46 47 47 47 49 52 52 67 70

8.57 7.14 12.86 1.43 5.71 8.57 5.71 4.29 4.29 2.86 1.43 2.86 1.43 0.00 0.00 2.86 4.29 0.00 21.43 4.29

8.57 15.71 28.57 30.00 35.71 44.29 50.00 54.29 58.57 61.43 62.86 65.71 67.14 67.14 67.14 70.00 74.29 74.29 95.71 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 302.64 175.63 945.83 282.25 321.00 691.63 680.02 50.35 20.54 36.57 4.29 374.65 59.08 0.00 0.00 1,467.54 401.71 0.00 31.50 3,995.43 9,840.65

302.64 3.08 478.27 1.78 1,424.10 9.61 1,706.35 2.87 2,027.35 3.26 2,718.98 7.03 3,398.99 6.91 3,449.34 0.51 3,469.88 0.21 3,506.45 0.37 3,510.74 0.04 3,885.39 3.81 3,944.47 0.60 3,944.47 0.00 3,944.47 0.00 5,412.01 14.91 5,813.72 4.08 5,813.72 0.00 5,845.22 0.32 9,840.65 40.60

3.08 33.15 4.86 10.38 14.47 41.09 17.34 12.41 20.60 9.96 27.63 31.13 34.54 37.14 35.05 2.38 35.26 1.46 35.63 5.07 35.68 0.61 39.48 24.33 40.08 4.57 40.08 0.00 40.08 0.00 55.00 70.98 59.08 21.01 59.08 0.00 59.40 2.78 100.00 412.80

33.15 18.36 29.02 23.76 19.48 21.53 23.51 20.81 19.30 18.75 18.09 18.55 17.74 16.62 15.61 19.80 19.88 19.47 18.86 30.79

30.79

Page 39 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 21 - SULAWESI TENGGARA

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 611 780 685 377 409 192 134 111 39 28 13 23 10 6 6 10 6 3 1 10 3,454

611 1,391 2,076 2,453 2,862 3,054 3,188 3,299 3,338 3,366 3,379 3,402 3,412 3,418 3,424 3,434 3,440 3,443 3,444 3,454

17.69 22.58 19.83 10.91 11.84 5.56 3.88 3.21 1.13 0.81 0.38 0.67 0.29 0.17 0.17 0.29 0.17 0.09 0.03 0.29

17.69 40.27 60.10 71.02 82.86 88.42 92.30 95.51 96.64 97.45 97.83 98.49 98.78 98.96 99.13 99.42 99.59 99.68 99.71 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 121.24 160.63 365.41 436.02 721.67 467.34 429.56 433.93 233.80 170.00 112.35 161.08 123.80 142.15 137.55 326.80 87.06 112.20 20.41 190.71 4,953.71

121.24 2.45 2.45 281.87 3.24 5.69 647.27 7.38 13.07 1,083.29 8.80 21.87 1,804.97 14.57 36.44 2,272.30 9.43 45.87 2,701.87 8.67 54.54 3,135.79 8.76 63.30 3,369.59 4.72 68.02 3,539.59 3.43 71.45 3,651.94 2.27 73.72 3,813.03 3.25 76.97 3,936.82 2.50 79.47 4,078.98 2.87 82.34 4,216.53 2.78 85.12 4,543.33 6.60 91.72 4,630.39 1.76 93.47 4,742.59 2.26 95.74 4,763.00 0.41 96.15 4,953.71 3.85 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 2 4 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 2 12

2 4 8 9 9 9 10 10 10 10 10 10 10 10 10 10 10 10 10 12

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM.

16.67 16.67 22.50 16.67 33.33 63.61 33.33 66.67 168.24 8.33 75.00 199.42 0.00 75.00 0.00 0.00 75.00 0.00 8.33 83.33 838.70 0.00 83.33 0.00 0.00 83.33 0.00 0.00 83.33 0.00 0.00 83.33 0.00 0.00 83.33 0.00 0.00 83.33 0.00 0.00 83.33 0.00 0.00 83.33 0.00 0.00 83.33 0.00 0.00 83.33 0.00 0.00 83.33 0.00 0.00 83.33 0.00 16.67 100.00 10,961.77 12,254.24

22.50 86.11 254.35 453.77 453.77 453.77 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 12,254.24

0.18 0.52 1.37 1.63 0.00 0.00 6.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 89.45

0.18 0.70 2.08 3.70 3.70 3.70 10.55 10.55 10.55 10.55 10.55 10.55 10.55 10.55 10.55 10.55 10.55 10.55 10.55 100.00

LOSS RATIO PERCENTAGE BAND CUM 18.56 39.60 46.04 45.74 0.00 0.00 195.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5747.87

18.56 30.55 39.30 41.89 25.14 19.97 47.84 41.22 38.36 36.51 35.39 33.90 32.83 31.69 30.65 28.45 27.91 27.25 27.14 247.37

247.37

Page 40 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 22 - BALI

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,888 2,742 3,048 1,801 2,320 1,546 1,203 976 612 361 251 299 143 256 133 173 138 47 71 20 19,028

DATA POSITION FROM

2,888 5,630 8,678 10,479 12,799 14,345 15,548 16,524 17,136 17,497 17,748 18,047 18,190 18,446 18,579 18,752 18,890 18,937 19,008 19,028

15.18 14.41 16.02 9.46 12.19 8.12 6.32 5.13 3.22 1.90 1.32 1.57 0.75 1.35 0.70 0.91 0.73 0.25 0.37 0.11

15.18 29.59 45.61 55.07 67.26 75.39 81.71 86.84 90.06 91.95 93.27 94.84 95.60 96.94 97.64 98.55 99.27 99.52 99.89 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,042.88 553.95 1,166.06 1,127.62 2,122.54 1,973.83 2,043.13 2,268.77 1,838.92 1,386.88 1,074.40 1,543.47 1,227.51 2,226.84 1,564.74 1,915.41 -4,549.27 1,904.79 -4,332.36 22,299.41 40,399.53

1,042.88 2.58 2.58 1,596.83 1.37 3.95 2,762.89 2.89 6.84 3,890.51 2.79 9.63 6,013.05 5.25 14.88 7,986.88 4.89 19.77 10,030.01 5.06 24.83 12,298.78 5.62 30.44 14,137.70 4.55 34.99 15,524.58 3.43 38.43 16,598.98 2.66 41.09 18,142.45 3.82 44.91 19,369.97 3.04 47.95 21,596.80 5.51 53.46 23,161.55 3.87 57.33 25,076.95 4.74 62.07 20,527.68 -11.3 50.81 22,432.48 4.71 55.53 18,100.12 -10.7 44.80 40,399.53 55.20 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 10 2 1 7 3 4 8 7 5 2 5 1 2 8 4 10 12 8 8 10 117

10 8.55 8.55 12 1.71 10.26 13 0.85 11.11 20 5.98 17.09 23 2.56 19.66 27 3.42 23.08 35 6.84 29.91 42 5.98 35.90 47 4.27 40.17 49 1.71 41.88 54 4.27 46.15 55 0.85 47.01 57 1.71 48.72 65 6.84 55.56 69 3.42 58.97 79 8.55 67.52 91 10.26 77.78 99 6.84 84.62 107 6.84 91.45 117 8.55 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 500.50 68.31 0.88 207.22 30.85 3,435.55 852.86 158.00 15,048.04 16.41 246.79 5.50 2,710.66 376.78 1,982.99 3,545.57 3,257.08 1,479.65 573.01 290.90 34,787.55

500.50 1.44 568.81 0.20 569.69 0.00 776.90 0.60 807.76 0.09 4,243.31 9.88 5,096.17 2.45 5,254.16 0.45 20,302.21 43.26 20,318.61 0.05 20,565.41 0.71 20,570.91 0.02 23,281.57 7.79 23,658.34 1.08 25,641.33 5.70 29,186.91 10.19 32,443.99 9.36 33,923.64 4.25 34,496.65 1.65 34,787.55 0.84

1.44 1.64 1.64 2.23 2.32 12.20 14.65 15.10 58.36 58.41 59.12 59.13 66.92 68.01 73.71 83.90 93.26 97.52 99.16 100.00

47.99 12.33 0.08 18.38 1.45 174.06 41.74 6.96 818.31 1.18 22.97 0.36 220.82 16.92 126.73 185.11 -71.6 77.68 -13.23 1.30

47.99 35.62 20.62 19.97 13.43 53.13 50.81 42.72 143.60 130.88 123.90 113.39 120.19 109.55 110.71 116.39 158.05 151.23 190.59 86.11

86.11

Page 41 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 23 - NUSA TENGGARA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,285 1,359 1,193 570 550 303 168 169 95 27 38 37 26 30 13 9 16 11 3 1 5,903

1,285 21.77 2,644 23.02 3,837 20.21 4,407 9.66 4,957 9.32 5,260 5.13 5,428 2.85 5,597 2.86 5,692 1.61 5,719 0.46 5,757 0.64 5,794 0.63 5,820 0.44 5,850 0.51 5,863 0.22 5,872 0.15 5,888 0.27 5,899 0.19 5,902 0.05 5,903 0.02

21.77 44.79 65.00 74.66 83.97 89.11 91.95 94.82 96.43 96.88 97.53 98.15 98.59 99.10 99.32 99.47 99.75 99.93 99.98 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 269.55 290.69 568.32 508.36 714.58 609.56 412.55 577.88 329.77 128.73 309.94 579.09 268.12 467.24 138.84 35.99 250.61 143.10 101.00 0.00 6,703.92

269.55 4.02 4.02 560.24 4.34 8.36 1,128.56 8.48 16.83 1,636.93 7.58 24.42 2,351.51 10.66 35.08 2,961.06 9.09 44.17 3,373.61 6.15 50.32 3,951.49 8.62 58.94 4,281.26 4.92 63.86 4,409.99 1.92 65.78 4,719.93 4.62 70.41 5,299.02 8.64 79.04 5,567.14 4.00 83.04 6,034.38 6.97 90.01 6,173.22 2.07 92.08 6,209.21 0.54 92.62 6,459.82 3.74 96.36 6,602.91 2.13 98.49 6,703.92 1.51 100.00 6,703.92 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

1 0 3 2 0 1 3 16 0 0 0 24 0 1 0 0 4 2 1 0

1 1.72 1.72 7.94 1 0.00 1.72 0.00 4 5.17 6.90 8.65 6 3.45 10.34 83.93 6 0.00 10.34 0.00 7 1.72 12.07 3.79 10 5.17 17.24 715.43 26 27.59 44.83 194.97 26 0.00 44.83 0.00 26 0.00 44.83 0.00 26 0.00 44.83 0.00 50 41.38 86.21 62.39 50 0.00 86.21 0.00 51 1.72 87.93 4.56 51 0.00 87.93 0.00 51 0.00 87.93 0.00 55 6.90 94.83 1,798.46 57 3.45 98.28 0.00 58 1.72 100.00 81.94 58 0.00 100.00 0.00

2,962.07

7.94 0.27 7.94 0.00 16.59 0.29 100.53 2.83 100.53 0.00 104.31 0.13 819.74 24.15 1,014.71 6.58 1,014.71 0.00 1,014.71 0.00 1,014.71 0.00 1,077.10 2.11 1,077.10 0.00 1,081.66 0.15 1,081.66 0.00 1,081.66 0.00 2,880.13 60.72 2,880.13 0.00 2,962.07 2.77 2,962.07 0.00

0.27 2.95 0.27 0.00 0.56 1.52 3.39 16.51 3.39 0.00 3.52 0.62 27.67 173.41 34.26 33.74 34.26 0.00 34.26 0.00 34.26 0.00 36.36 10.77 36.36 0.00 36.52 0.98 36.52 0.00 36.52 0.00 97.23 717.63 97.23 0.00 100.00 81.13 100.00 0.00

2.95 1.42 1.47 6.14 4.27 3.52 24.30 25.68 23.70 23.01 21.50 20.33 19.35 17.93 17.52 17.42 44.59 43.62 44.18 44.18

44.18

Page42 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 24 - NUSA TENGGARA TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 563 723 740 413 448 273 162 142 60 36 31 23 13 17 5 10 9 3 2 1 3,674

563 1,286 2,026 2,439 2,887 3,160 3,322 3,464 3,524 3,560 3,591 3,614 3,627 3,644 3,649 3,659 3,668 3,671 3,673 3,674

15.32 19.68 20.14 11.24 12.19 7.43 4.41 3.86 1.63 0.98 0.84 0.63 0.35 0.46 0.14 0.27 0.24 0.08 0.05 0.03

15.32 35.00 55.14 66.39 78.58 86.01 90.42 94.28 95.92 96.90 97.74 98.37 98.72 99.18 99.32 99.59 99.84 99.92 99.97 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 98.35 191.36 451.23 423.87 803.18 691.78 572.74 581.94 334.67 200.97 293.86 196.93 166.15 176.10 50.26 237.28 120.97 31.09 173.50 0.00 5,796.23

98.35 1.70 1.70 289.71 3.30 5.00 740.94 7.78 12.78 1,164.81 7.31 20.10 1,967.99 13.86 33.95 2,659.77 11.93 45.89 3,232.51 9.88 55.77 3,814.44 10.04 65.81 4,149.12 5.77 71.58 4,350.08 3.47 75.05 4,643.95 5.07 80.12 4,840.88 3.40 83.52 5,007.02 2.87 86.38 5,183.13 3.04 89.42 5,233.38 0.87 90.29 5,470.66 4.09 94.38 5,591.63 2.09 96.47 5,622.73 0.54 97.01 5,796.23 2.99 100.00 5,796.23 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 1 1 1 0 0 1 0 0 0 0 0 0 2 0 0 0 1 0 0 7

0 1 2 3 3 3 4 4 4 4 4 4 4 6 6 6 6 7 7 7

0.00 0.00 14.29 14.29 14.29 28.57 14.29 42.86 0.00 42.86 0.00 42.86 14.29 57.14 0.00 57.14 0.00 57.14 0.00 57.14 0.00 57.14 0.00 57.14 0.00 57.14 28.57 85.71 0.00 85.71 0.00 85.71 0.00 85.71 14.29 100.00 0.00 100.00 0.00 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 81.16 9.52 4.55 0.00 0.00 129.27 0.00 0.00 0.00 0.00 0.00 0.00 50.70 0.00 0.00 0.00 67.18 0.00 0.00 342.39

0.00 81.16 90.69 95.24 95.24 95.24 224.51 224.51 224.51 224.51 224.51 224.51 224.51 275.21 275.21 275.21 275.21 342.39 342.39 342.39

0.00 23.71 2.78 1.33 0.00 0.00 37.75 0.00 0.00 0.00 0.00 0.00 0.00 14.81 0.00 0.00 0.00 19.62 0.00 0.00

0.00 0.00 23.71 42.41 26.49 2.11 27.82 1.07 27.82 0.00 27.82 0.00 65.57 22.57 65.57 0.00 65.57 0.00 65.57 0.00 65.57 0.00 65.57 0.00 65.57 0.00 80.38 28.79 80.38 0.00 80.38 0.00 80.38 0.00 100.00 216.06 100.00 0.00 100.00 0.00

0.00 28.02 12.24 8.18 4.84 3.58 6.95 5.89 5.41 5.16 4.83 4.64 4.48 5.31 5.26 5.03 4.92 6.09 5.91 5.91

5.91

Page 43 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 25 - MALUKU

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 141 196 220 121 154 91 73 66 36 18 9 19 6 8 16 13 8 1 5 0 1,201

141 337 557 678 832 923 996 1,062 1,098 1,116 1,125 1,144 1,150 1,158 1,174 1,187 1,195 1,196 1,201 1,201

11.74 16.32 18.32 10.07 12.82 7.58 6.08 5.50 3.00 1.50 0.75 1.58 0.50 0.67 1.33 1.08 0.67 0.08 0.42 0.00

11.74 28.06 46.38 56.45 69.28 76.85 82.93 88.43 91.42 92.92 93.67 95.25 95.75 96.42 97.75 98.83 99.50 99.58 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 19.79 48.90 136.26 129.33 258.72 204.34 243.55 320.78 210.82 162.12 125.69 218.12 83.84 48.06 116.98 263.81 67.05 24.23 150.51 0.00 2,832.90

19.79 0.70 0.70 68.69 1.73 2.42 204.95 4.81 7.23 334.28 4.57 11.80 593.01 9.13 20.93 797.34 7.21 28.15 1,040.90 8.60 36.74 1,361.67 11.32 48.07 1,572.49 7.44 55.51 1,734.61 5.72 61.23 1,860.30 4.44 65.67 2,078.41 7.70 73.37 2,162.25 2.96 76.33 2,210.32 1.70 78.02 2,327.30 4.13 82.15 2,591.11 9.31 91.47 2,658.16 2.37 93.83 2,682.39 0.86 94.69 2,832.90 5.31 100.00 2,832.90 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 1 0 1 1 0 0 0 0 0 3 0 0 0 6

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.67 0.00 16.67 16.67 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 16.67 16.67 33.33 50.00 50.00 50.00 50.00 50.00 50.00 100.00 100.00 100.00 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 726.04 0.00 913.62 154.63 0.00 0.00 0.00 0.00 0.00 299.12 0.00 0.00 0.00 2,093.41

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 726.04 34.68 726.04 0.00 1,639.66 43.64 1,794.29 7.39 1,794.29 0.00 1,794.29 0.00 1,794.29 0.00 1,794.29 0.00 1,794.29 0.00 2,093.41 14.29 2,093.41 0.00 2,093.41 0.00 2,093.41 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 34.68 34.68 78.32 85.71 85.71 85.71 85.71 85.71 85.71 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 226.34 0.00 563.56 123.03 0.00 0.00 0.00 0.00 0.00 446.13 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 53.32 46.17 94.53 96.45 86.33 82.98 81.18 77.10 69.25 78.75 78.04 73.90 73.90

73.90

Page 44 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 26 - IRIAN JAYA

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

3,287

332 763 1,349 1,775 2,228 2,531 2,755 2,913 3,011 3,065 3,114 3,158 3,198 3,229 3,248 3,266 3,276 3,283 3,286 3,287

01/01/2006

15/12/2009

DATE

15/03/2010

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 332 431 586 426 453 303 224 158 98 54 49 44 40 31 19 18 10 7 3 1

10.10 13.11 17.83 12.96 13.78 9.22 6.81 4.81 2.98 1.64 1.49 1.34 1.22 0.94 0.58 0.55 0.30 0.21 0.09 0.03

10.10 23.21 41.04 54.00 67.78 77.00 83.82 88.62 91.60 93.25 94.74 96.08 97.29 98.24 98.81 99.36 99.67 99.88 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 122.51 129.34 338.01 515.95 881.34 915.71 937.14 880.46 614.14 381.01 405.42 473.37 415.53 498.67 436.98 447.90 195.23 118.42 89.01 0.00 8,796.15

122.51 251.85 589.86 1,105.81 1,987.15 2,902.86 3,840.00 4,720.47 5,334.60 5,715.62 6,121.04 6,594.41 7,009.94 7,508.61 7,945.60 8,393.49 8,588.72 8,707.14 8,796.15 8,796.15

1.39 1.39 1.47 2.86 3.84 6.71 5.87 12.57 10.02 22.59 10.41 33.00 10.65 43.66 10.01 53.67 6.98 60.65 4.33 64.98 4.61 69.59 5.38 74.97 4.72 79.69 5.67 85.36 4.97 90.33 5.09 95.42 2.22 97.64 1.35 98.99 1.01 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 1 2 3 0 4 0 3 1 0 2 0 0 1 0 0 0 0 0 0 0 17

1 3 6 6 10 10 13 14 14 16 16 16 17 17 17 17 17 17 17 17

5.88 11.76 17.65 0.00 23.53 0.00 17.65 5.88 0.00 11.76 0.00 0.00 5.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5.88 17.65 35.29 35.29 58.82 58.82 76.47 82.35 82.35 94.12 94.12 94.12 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 105.84 118.13 297.20 0.00 296.23 0.00 1,528.57 66.98 0.00 63.26 0.00 0.00 2,619.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5,095.61

105.84 2.08 223.96 2.32 521.16 5.83 521.16 0.00 817.39 5.81 817.39 0.00 2,345.97 30.00 2,412.94 1.31 2,412.94 0.00 2,476.20 1.24 2,476.20 0.00 2,476.20 0.00 5,095.61 51.41 5,095.61 0.00 5,095.61 0.00 5,095.61 0.00 5,095.61 0.00 5,095.61 0.00 5,095.61 0.00 5,095.61 0.00

2.08 86.39 4.40 91.33 10.23 87.93 10.23 0.00 16.04 33.61 16.04 0.00 46.04 163.11 47.35 7.61 47.35 0.00 48.59 16.60 48.59 0.00 48.59 0.00 100.00 630.37 100.00 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

86.39 88.93 88.35 47.13 41.13 28.16 61.09 51.12 45.23 43.32 40.45 37.55 72.69 67.86 64.13 60.71 59.33 58.52 57.93 57.93

57.93

Page 45 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 27 - MALUKU UTARA

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

700

83 183 311 355 431 512 561 622 651 663 671 682 688 692 695 698 699 700 700 700

11.86 14.29 18.29 6.29 10.86 11.57 7.00 8.71 4.14 1.71 1.14 1.57 0.86 0.57 0.43 0.43 0.14 0.14 0.00 0.00

01/01/2006

15/12/2009

DATE

15/03/2010

PROCESSING

NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 83 100 128 44 76 81 49 61 29 12 8 11 6 4 3 3 1 1 0 0

11.86 26.14 44.43 50.71 61.57 73.14 80.14 88.86 93.00 94.71 95.86 97.43 98.29 98.86 99.29 99.71 99.86 100.00 100.00 100.00

30.17 19.92 62.65 44.25 132.89 156.73 193.13 314.83 199.67 104.78 89.92 92.40 112.68 107.18 60.07 86.57 2.21 6.06 0.00 0.00 1,816.10

30.17 1.66 1.66 50.08 1.10 2.76 112.73 3.45 6.21 156.98 2.44 8.64 289.86 7.32 15.96 446.60 8.63 24.59 639.73 10.63 35.23 954.56 17.34 52.56 1,154.23 10.99 63.56 1,259.00 5.77 69.32 1,348.92 4.95 74.28 1,441.32 5.09 79.36 1,554.00 6.20 85.57 1,661.18 5.90 91.47 1,721.25 3.31 94.78 1,807.82 4.77 99.54 1,810.03 0.12 99.67 1,816.10 0.33 100.00 1,816.10 0.00 100.00 1,816.10 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 0 0 1 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 3

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

0.00 0.00 33.33 0.00 0.00 33.33 33.33 0.00 0.00 0.00 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 33.33 66.67 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 20.00 0.00 0.00 73.70 37.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 131.66

0.00 0.00 0.00 0.00 20.00 15.19 20.00 0.00 20.00 0.00 93.70 55.97 131.66 28.84 131.66 0.00 131.66 0.00 131.66 0.00 131.66 0.00 131.66 0.00 131.66 0.00 131.66 0.00 131.66 0.00 131.66 0.00 131.66 0.00 131.66 0.00 131.66 0.00 131.66 0.00

0.00 0.00 15.19 15.19 15.19 71.16 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 31.92 0.00 0.00 47.02 19.66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 17.74 12.74 6.90 20.98 20.58 13.79 11.41 10.46 9.76 9.14 8.47 7.93 7.65 7.28 7.27 7.25 7.25 7.25

7.25

Page 46 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 28 - IRIAN JAYA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 279 312 398 188 202 121 72 55 33 11 12 12 10 13 6 6 8 0 0 0 1,738

279 591 989 1,177 1,379 1,500 1,572 1,627 1,660 1,671 1,683 1,695 1,705 1,718 1,724 1,730 1,738 1,738 1,738 1,738

16.05 17.95 22.90 10.82 11.62 6.96 4.14 3.16 1.90 0.63 0.69 0.69 0.58 0.75 0.35 0.35 0.46 0.00 0.00 0.00

16.05 34.00 56.90 67.72 79.34 86.31 90.45 93.61 95.51 96.14 96.84 97.53 98.10 98.85 99.19 99.54 100.00 100.00 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 31.77 61.41 139.33 136.91 331.80 335.54 247.21 242.94 214.84 55.76 63.14 71.02 137.55 170.95 253.60 188.16 318.54 0.00 0.00 0.00 3,000.45

31.77 1.06 1.06 93.18 2.05 3.11 232.50 4.64 7.75 369.42 4.56 12.31 701.22 11.06 23.37 1,036.76 11.18 34.55 1,283.96 8.24 42.79 1,526.90 8.10 50.89 1,741.74 7.16 58.05 1,797.50 1.86 59.91 1,860.64 2.10 62.01 1,931.66 2.37 64.38 2,069.21 4.58 68.96 2,240.15 5.70 74.66 2,493.75 8.45 83.11 2,681.92 6.27 89.38 3,000.45 10.62 100.00 3,000.45 0.00 100.00 3,000.45 0.00 100.00 3,000.45 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 1 1 0 0 2 0 0 0 1 0 0 0 0 0 0 0 5

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

0.00 0.00 0.00 0.00 20.00 20.00 0.00 0.00 40.00 0.00 0.00 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 20.00 40.00 40.00 40.00 80.00 80.00 80.00 80.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 293.56 479.96 0.00 0.00 163.98 0.00 0.00 0.00 4.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 941.99

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 293.56 31.16 773.51 50.95 773.51 0.00 773.51 0.00 937.49 17.41 937.49 0.00 937.49 0.00 937.49 0.00 941.99 0.48 941.99 0.00 941.99 0.00 941.99 0.00 941.99 0.00 941.99 0.00 941.99 0.00 941.99 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 31.16 88.47 82.11 143.04 82.11 0.00 82.11 0.00 99.52 76.33 99.52 0.00 99.52 0.00 99.52 0.00 100.00 3.27 100.00 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

0.00 0.00 0.00 0.00 41.86 74.61 60.24 50.66 53.83 52.16 50.39 48.53 45.52 42.05 37.77 35.12 31.39 31.39 31.39 31.39

31.39

Page 47 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 29 - BANTEN

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

6,841 6,981 9,281 5,743 5,366 2,404 1,592 1,345 812 464 498 569 447 543 380 594 610 273 267 98 45,108

6,841 13,822 23,103 28,846 34,212 36,616 38,208 39,553 40,365 40,829 41,327 41,896 42,343 42,886 43,266 43,860 44,470 44,743 45,010 45,108

15.17 15.48 20.58 12.73 11.90 5.33 3.53 2.98 1.80 1.03 1.10 1.26 0.99 1.20 0.84 1.32 1.35 0.61 0.59 0.22

15.17 30.64 51.22 63.95 75.84 81.17 84.70 87.69 89.49 90.51 91.62 92.88 93.87 95.07 95.92 97.23 98.59 99.19 99.78 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,883.44 1,166.15 2,773.01 2,982.06 4,301.03 2,752.88 2,839.09 3,481.43 2,687.06 2,066.45 2,348.73 3,110.48 3,265.70 4,541.46 3,707.83 8,465.72 11,404.80 5,118.90 6,834.47 46,444.09 124,174.80

3,883.44 3.13 3.13 5,049.59 0.94 4.07 7,822.61 2.23 6.30 10,804.67 2.40 8.70 15,105.70 3.46 12.16 17,858.57 2.22 14.38 20,697.66 2.29 16.67 24,179.10 2.80 19.47 26,866.16 2.16 21.64 28,932.60 1.66 23.30 31,281.33 1.89 25.19 34,391.82 2.50 27.70 37,657.52 2.63 30.33 42,198.97 3.66 33.98 45,906.81 2.99 36.97 54,372.53 6.82 43.79 65,777.33 9.18 52.97 70,896.23 4.12 57.09 77,730.71 5.50 62.60 124,174.80 37.40 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

54 28 43 34 22 13 12 18 11 9 9 16 18 37 21 37 55 27 44 103

54 8.84 8.84 13,255.96 82 4.58 13.42 732.98 125 7.04 20.46 1,681.15 159 5.56 26.02 13,118.77 181 3.60 29.62 1,053.27 194 2.13 31.75 652.10 206 1.96 33.72 3,064.60 224 2.95 36.66 6,490.02 235 1.80 38.46 2,500.22 244 1.47 39.93 633.55 253 1.47 41.41 3,420.73 269 2.62 44.03 5,976.58 287 2.95 46.97 10,134.57 324 6.06 53.03 18,569.91 345 3.44 56.46 10,320.54 382 6.06 62.52 24,917.50 437 9.00 71.52 49,223.11 464 4.42 75.94 17,194.72 508 7.20 83.14 62,280.09 611 16.86 100.00 100,143.75

611

345,364.11

13,255.96 3.84 13,988.94 0.21 15,670.09 0.49 28,788.86 3.80 29,842.13 0.30 30,494.22 0.19 33,558.82 0.89 40,048.84 1.88 42,549.06 0.72 43,182.61 0.18 46,603.34 0.99 52,579.91 1.73 62,714.49 2.93 81,284.40 5.38 91,604.94 2.99 116,522.44 7.21 165,745.55 14.25 182,940.27 4.98 245,220.37 18.03 345,364.11 29.00

3.84 4.05 4.54 8.34 8.64 8.83 9.72 11.60 12.32 12.50 13.49 15.22 18.16 23.54 26.52 33.74 47.99 52.97 71.00 100.00

341.35 62.85 60.63 439.92 24.49 23.69 107.94 186.42 93.05 30.66 145.64 192.14 310.33 408.90 278.34 294.33 431.60 335.91 911.26 215.62

341.35 277.03 200.32 266.45 197.56 170.75 162.14 165.63 158.37 149.25 148.98 152.88 166.54 192.62 199.55 214.30 251.98 258.04 315.47 278.13

278.13

Page 48 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 30 - BANGKA BELITUNG

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

1,985

317 623 1,035 1,273 1,534 1,671 1,758 1,831 1,866 1,881 1,896 1,915 1,929 1,942 1,953 1,959 1,966 1,976 1,982 1,985

15.97 15.42 20.76 11.99 13.15 6.90 4.38 3.68 1.76 0.76 0.76 0.96 0.71 0.65 0.55 0.30 0.35 0.50 0.30 0.15

01/01/2006

15/12/2009

DATE

15/03/2010

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 317 306 412 238 261 137 87 73 35 15 15 19 14 13 11 6 7 10 6 3

15.97 31.39 52.14 64.13 77.28 84.18 88.56 92.24 94.01 94.76 95.52 96.47 97.18 97.83 98.39 98.69 99.04 99.55 99.85 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 122.82 61.02 169.48 175.92 358.24 239.09 178.93 229.34 148.62 66.23 70.82 99.84 73.70 146.97 69.22 55.58 41.80 291.39 30.36 44.22 2,673.59

122.82 4.59 4.59 183.84 2.28 6.88 353.32 6.34 13.22 529.24 6.58 19.80 887.48 13.40 33.19 1,126.57 8.94 42.14 1,305.51 6.69 48.83 1,534.84 8.58 57.41 1,683.46 5.56 62.97 1,749.69 2.48 65.44 1,820.51 2.65 68.09 1,920.35 3.73 71.83 1,994.04 2.76 74.58 2,141.01 5.50 80.08 2,210.23 2.59 82.67 2,265.82 2.08 84.75 2,307.61 1.56 86.31 2,599.00 10.90 97.21 2,629.37 1.14 98.35 2,673.59 1.65 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 0 4 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 7

1 1 5 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 7 7

14.29 14.29 0.00 14.29 57.14 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 0.00 85.71 0.00 85.71 0.00 85.71 0.00 85.71 0.00 85.71 0.00 85.71 14.29 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2.94 0.00 625.84 51.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 20.91 0.00 700.69

2.94 0.42 2.94 0.00 628.77 89.32 679.78 7.28 679.78 0.00 679.78 0.00 679.78 0.00 679.78 0.00 679.78 0.00 679.78 0.00 679.78 0.00 679.78 0.00 679.78 0.00 679.78 0.00 679.78 0.00 679.78 0.00 679.78 0.00 679.78 0.00 700.69 2.98 700.69 0.00

0.42 2.39 2.39 0.42 0.00 1.60 89.74 369.27 177.96 97.02 28.99 128.44 97.02 0.00 76.60 97.02 0.00 60.34 97.02 0.00 52.07 97.02 0.00 44.29 97.02 0.00 40.38 97.02 0.00 38.85 97.02 0.00 37.34 97.02 0.00 35.40 97.02 0.00 34.09 97.02 0.00 31.75 97.02 0.00 30.76 97.02 0.00 30.00 97.02 0.00 29.46 97.02 0.00 26.16 100.00 68.87 26.65 100.00 0.00 26.21 26.21

Page of 49 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 31 - GORONTALO

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

1,626

273 16.79 609 20.66 971 22.26 1,129 9.72 1,286 9.66 1,384 6.03 1,458 4.55 1,517 3.63 1,545 1.72 1,562 1.05 1,586 1.48 1,602 0.98 1,611 0.55 1,613 0.12 1,621 0.49 1,622 0.06 1,623 0.06 1,625 0.12 1,626 0.06 1,626 0.00

01/01/2006

15/12/2009

DATE

15/03/2010

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 273 336 362 158 157 98 74 59 28 17 24 16 9 2 8 1 1 2 1 0

16.79 37.45 59.72 69.43 79.09 85.12 89.67 93.30 95.02 96.06 97.54 98.52 99.08 99.20 99.69 99.75 99.82 99.94 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 32.16 57.29 150.54 109.23 181.52 192.76 202.63 208.21 147.05 94.07 109.62 178.12 137.47 13.65 123.53 13.78 31.63 34.09 23.93 0.00 2,041.29

32.16 1.58 1.58 89.45 2.81 4.38 239.99 7.37 11.76 349.22 5.35 17.11 530.75 8.89 26.00 723.51 9.44 35.44 926.14 9.93 45.37 1,134.35 10.20 55.57 1,281.40 7.20 62.77 1,375.47 4.61 67.38 1,485.09 5.37 72.75 1,663.21 8.73 81.48 1,800.68 6.73 88.21 1,814.33 0.67 88.88 1,937.86 6.05 94.93 1,951.64 0.68 95.61 1,983.27 1.55 97.16 2,017.36 1.67 98.83 2,041.29 1.17 100.00 2,041.29 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 3 2 2 1 0 1 2 0 0 0 0 0 0 0 0 0 0 0 0 0 11

3 5 7 8 8 9 11 11 11 11 11 11 11 11 11 11 11 11 11 11

27.27 18.18 18.18 9.09 0.00 9.09 18.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

27.27 45.45 63.64 72.73 72.73 81.82 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 44.44 121.61 170.59 11.68 0.00 87.66 991.88 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 1,427.86

44.44 3.11 166.05 8.52 336.64 11.95 348.32 0.82 348.32 0.00 435.98 6.14 1,427.86 69.47 1,427.86 0.00 1,427.86 0.00 1,427.86 0.00 1,427.86 0.00 1,427.86 0.00 1,427.86 0.00 1,427.86 0.00 1,427.86 0.00 1,427.86 0.00 1,427.86 0.00 1,427.86 0.00 1,427.86 0.00 1,427.86 0.00

3.11 11.63 23.58 24.39 24.39 30.53 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

138.19 212.28 113.32 10.69 0.00 45.48 489.50 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

138.19 185.64 140.27 99.74 65.63 60.26 154.17 125.87 111.43 103.81 96.15 85.85 79.30 78.70 73.68 73.16 72.00 70.78 69.95 69.95

69.95

Page 50 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 32 - KEPULAUAN RIAU

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,634 1,758 2,502 1,663 1,716 700 403 344 200 110 84 93 70 104 77 91 78 58 38 29 11,752

1,634 3,392 5,894 7,557 9,273 9,973 10,376 10,720 10,920 11,030 11,114 11,207 11,277 11,381 11,458 11,549 11,627 11,685 11,723 11,752

13.90 14.96 21.29 14.15 14.60 5.96 3.43 2.93 1.70 0.94 0.71 0.79 0.60 0.88 0.66 0.77 0.66 0.49 0.32 0.25

13.90 28.86 50.15 64.30 78.91 84.86 88.29 91.22 92.92 93.86 94.57 95.36 95.96 96.84 97.50 98.27 98.94 99.43 99.75 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,342.08 332.41 1,098.75 1,375.15 2,284.07 1,380.23 1,062.09 1,267.03 864.43 620.64 467.90 656.69 650.14 899.10 720.23 1,211.31 1,460.22 1,424.96 2,818.36 242.31 22,178.08

1,342.08 6.05 6.05 1,674.48 1.50 7.55 2,773.23 4.95 12.50 4,148.38 6.20 18.70 6,432.45 10.30 29.00 7,812.68 6.22 35.23 8,874.77 4.79 40.02 10,141.80 5.71 45.73 11,006.22 3.90 49.63 11,626.86 2.80 52.42 12,094.76 2.11 54.53 12,751.45 2.96 57.50 13,401.59 2.93 60.43 14,300.69 4.05 64.48 15,020.92 3.25 67.73 16,232.23 5.46 73.19 17,692.45 6.58 79.77 19,117.41 6.43 86.20 21,935.77 12.71 98.91 22,178.08 1.09 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 11 0 2 1 0 1 0 0 3 0 1 0 1 2 2 1 5 9 4 3 46

11 23.91 23.91 11 0.00 23.91 13 4.35 28.26 14 2.17 30.43 14 0.00 30.43 15 2.17 32.61 15 0.00 32.61 15 0.00 32.61 18 6.52 39.13 18 0.00 39.13 19 2.17 41.30 19 0.00 41.30 20 2.17 43.48 22 4.35 47.83 24 4.35 52.17 25 2.17 54.35 30 10.87 65.22 39 19.57 84.78 43 8.70 93.48 46 6.52 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 183.72 0.00 94.10 32.21 0.00 0.97 0.00 0.00 83.25 0.00 13.29 0.00 1.24 2,071.95 52.28 558.09 941.08 6,036.29 5,168.48 4,881.04 20,117.99

183.72 183.72 277.82 310.03 310.03 311.00 311.00 311.00 394.26 394.26 407.55 407.55 408.79 2,480.74 2,533.02 3,091.10 4,032.18 10,068.47 15,236.95 20,117.99

0.91 0.00 0.47 0.16 0.00 0.00 0.00 0.00 0.41 0.00 0.07 0.00 0.01 10.30 0.26 2.77 4.68 30.00 25.69 24.26

0.91 0.91 1.38 1.54 1.54 1.55 1.55 1.55 1.96 1.96 2.03 2.03 2.03 12.33 12.59 15.36 20.04 50.05 75.74 100.00

LOSS RATIO PERCENTAGE BAND CUM 13.69 0.00 8.56 2.34 0.00 0.07 0.00 0.00 9.63 0.00 2.84 0.00 0.19 230.45 7.26 46.07 64.45 423.61 183.39 2014.3

13.69 10.97 10.02 7.47 4.82 3.98 3.50 3.07 3.58 3.39 3.37 3.20 3.05 17.35 16.86 19.04 22.79 52.67 69.46 90.71

90.71

Page 51 of 204

RISK AND LOSS PROFILE 2007

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

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: All Code

BAND

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

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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 164,193 152,831 181,544 111,218 119,072 60,996 42,467 33,265 19,035 10,181 8,207 9,459 6,418 8,294 5,415 8,447 6,926 3,338 3,458 1,322 956,086

DATA POSITION FROM

164,193 317,024 498,568 609,786 728,858 789,854 832,321 865,586 884,621 894,802 903,009 912,468 918,886 927,180 932,595 941,042 947,968 951,306 954,764 956,086

17.17 17.17 15.99 33.16 18.99 52.15 11.63 63.78 12.45 76.23 6.38 82.61 4.44 87.06 3.48 90.53 1.99 92.53 1.06 93.59 0.86 94.45 0.99 95.44 0.67 96.11 0.87 96.98 0.57 97.54 0.88 98.43 0.72 99.15 0.35 99.50 0.36 99.86 0.14 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 85,065.05 38,235.46 73,623.81 74,376.01 115,369.12 83,315.75 83,598.12 83,931.57 62,684.42 43,656.59 38,576.00 52,566.73 41,683.40 69,669.59 50,469.03 112,361.65 122,391.72 71,374.70 99,040.61 468,490.48 1,870,479.81

85,065.05 4.55 4.55 123,300.51 2.04 6.59 196,924.32 3.94 10.53 271,300.33 3.98 14.50 386,669.45 6.17 20.67 469,985.20 4.45 25.13 553,583.32 4.47 29.60 637,514.89 4.49 34.08 700,199.31 3.35 37.43 743,855.90 2.33 39.77 782,431.90 2.06 41.83 834,998.64 2.81 44.64 876,682.03 2.23 46.87 946,351.63 3.72 50.59 996,820.65 2.70 53.29 1,109,182.30 6.01 59.30 1,231,574.02 6.54 65.84 1,302,948.72 3.82 69.66 1,401,989.33 5.29 74.95 1,870,479.81 25.05 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 771 219 328 305 403 291 228 287 175 109 109 185 193 261 170 327 428 362 462 563 6,176

771 990 1,318 1,623 2,026 2,317 2,545 2,832 3,007 3,116 3,225 3,410 3,603 3,864 4,034 4,361 4,789 5,151 5,613 6,176

12.48 12.48 3.55 16.03 5.31 21.34 4.94 26.28 6.53 32.80 4.71 37.52 3.69 41.21 4.65 45.85 2.83 48.69 1.76 50.45 1.76 52.22 3.00 55.21 3.13 58.34 4.23 62.56 2.75 65.32 5.29 70.61 6.93 77.54 5.86 83.40 7.48 90.88 9.12 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 257,622.02 13,911.52 28,704.49 18,185.45 28,736.40 26,908.28 34,841.81 51,493.54 33,535.69 19,533.39 22,715.18 23,680.20 66,853.17 110,813.46 56,598.94 128,137.82 483,797.43 228,976.94 260,319.83 839,736.01 2,735,101.56

257,622.02 9.42 271,533.54 0.51 300,238.02 1.05 318,423.47 0.66 347,159.87 1.05 374,068.15 0.98 408,909.96 1.27 460,403.49 1.88 493,939.19 1.23 513,472.57 0.71 536,187.76 0.83 559,867.96 0.87 626,721.13 2.44 737,534.58 4.05 794,133.53 2.07 922,271.34 4.68 1,406,068.77 17.69 1,635,045.71 8.37 1,895,365.54 9.52 2,735,101.56 30.70

9.42 9.93 10.98 11.64 12.69 13.68 14.95 16.83 18.06 18.77 19.60 20.47 22.91 26.97 29.03 33.72 51.41 59.78 69.30 100.00

302.85 36.38 38.99 24.45 24.91 32.30 41.68 61.35 53.50 44.74 58.88 45.05 160.38 159.06 112.15 114.04 395.29 320.81 262.84 179.24

302.85 220.22 152.46 117.37 89.78 79.59 73.87 72.22 70.54 69.03 68.53 67.05 71.49 77.93 79.67 83.15 114.17 125.49 135.19 146.22

146.22

Page 52 of 204

RISK AND LOSS PROFILE 2007 GROUP BY CLASS OF BUSINESS

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

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: FIRE

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 140,758 144,685 170,291 101,824 105,440 50,465 33,200 23,967 12,647 6,254 4,747 5,163 3,220 3,866 2,329 3,097 2,225 903 1,001 474 816,556

140,758 285,443 455,734 557,558 662,998 713,463 746,663 770,630 783,277 789,531 794,278 799,441 802,661 806,527 808,856 811,953 814,178 815,081 816,082 816,556

17.24 17.72 20.85 12.47 12.91 6.18 4.07 2.94 1.55 0.77 0.58 0.63 0.39 0.47 0.29 0.38 0.27 0.11 0.12 0.06

17.24 34.96 55.81 68.28 81.19 87.37 91.44 94.38 95.92 96.69 97.27 97.90 98.30 98.77 99.06 99.44 99.71 99.82 99.94 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 46,531.81 33,314.10 69,883.30 69,796.60 105,396.42 73,078.20 70,381.29 66,475.00 47,197.09 31,800.95 27,104.45 34,582.88 26,100.95 37,279.64 26,413.38 48,939.26 47,573.25 20,281.38 27,813.00 11,926.54 921,869.49

46,531.81 5.05 5.05 79,845.90 3.61 8.66 149,729.20 7.58 16.24 219,525.81 7.57 23.81 324,922.22 11.43 35.25 398,000.42 7.93 43.17 468,381.71 7.63 50.81 534,856.71 7.21 58.02 582,053.80 5.12 63.14 613,854.75 3.45 66.59 640,959.20 2.94 69.53 675,542.08 3.75 73.28 701,643.04 2.83 76.11 738,922.68 4.04 80.15 765,336.05 2.87 83.02 814,275.31 5.31 88.33 861,848.56 5.16 93.49 882,129.95 2.20 95.69 909,942.94 3.02 98.71 921,869.49 1.29 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 328 127 214 164 230 156 98 133 73 43 40 46 53 58 52 100 89 54 60 65 2,18

328 15.03 15.03 455 5.82 20.84 669 9.80 30.65 833 7.51 38.16 1,063 10.54 48.69 1,219 7.15 55.84 1,317 4.49 60.33 1,450 6.09 66.42 1,523 3.34 69.77 1,566 1.97 71.74 1,606 1.83 73.57 1,652 2.11 75.68 1,705 2.43 78.10 1,763 2.66 80.76 1,815 2.38 83.14 1,915 4.58 87.72 2,004 4.08 91.80 2,058 2.47 94.27 2,118 2.75 97.02 2,183 2.98 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 33,815.10 5,701.18 25,826.60 15,281.18 22,034.20 18,848.15 23,272.68 36,708.09 20,274.47 12,383.47 7,541.34 12,173.29 12,787.13 23,302.96 24,676.79 16,335.71 347,304.6 91,128.89 66,178.08 9,220.98

33,815.10 4.10 4.10 72.67 39,516.28 0.69 4.79 17.11 65,342.88 3.13 7.92 36.96 80,624.05 1.85 9.78 21.89 102,658.26 2.67 12.45 20.91 121,506.41 2.29 14.73 25.79 144,779.09 2.82 17.55 33.07 181,487.18 4.45 22.00 55.22 201,761.65 2.46 24.46 42.96 214,145.12 1.50 25.96 38.94 221,686.46 0.91 26.88 27.82 233,859.75 1.48 28.35 35.20 246,646.88 1.55 29.90 48.99 269,949.84 2.83 32.73 62.51 294,626.62 2.99 35.72 93.43 310,962.33 1.98 37.70 33.38 658,267.01 42.11 79.81 730.04 749,395.90 11.05 90.86 449.32 815,573.98 8.02 98.88 237.94 824,794.96 1.12 100.00 77.31

824,794.9

89.47

72.67 49.49 43.64 36.73 31.59 30.53 30.91 33.93 34.66 34.89 34.59 34.62 35.15 36.53 38.50 38.19 76.38 84.95 89.63 89.47

Page 53 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: I.A.R

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

1 0 50 25 15,253 5,608 2 50 100 75 7,281 3 100 200 150 6,536 4 200 300 250 9,913 5 300 500 400 7,582 6 500 750 625 6,649 7 750 1,000 875 6,562 8 1,000 1,500 1,250 4,367 9 1,500 2,000 1,750 2,689 10 2,000 2,500 2,250 2,288 11 2,500 3,000 2,750 2,927 12 3,000 4,000 3,500 2,051 13 4,000 5,000 4,500 2,797 14 5,000 7,500 6,250 1,908 15 7,500 10,000 8,750 3,396 16 10,000 20,000 15,000 2,917 17 20,000 50,000 35,000 1,522 18 50,000 100,000 75,000 1,502 19 100,000 500,000 300,000 496 20 500,000 Up TOTAL

DATA POSITION FROM

94,244

15,253 16.18 16.18 20,861 5.95 22.14 28,142 7.73 29.86 34,678 6.94 36.80 44,591 10.52 47.31 52,173 8.05 55.36 58,822 7.06 62.41 65,384 6.96 69.38 69,751 4.63 74.01 72,440 2.85 76.86 74,728 2.43 79.29 77,655 3.11 82.40 79,706 2.18 84.57 82,503 2.97 87.54 84,411 2.02 89.57 87,807 3.60 93.17 90,724 3.10 96.27 92,246 1.61 97.88 93,748 1.59 99.47 94,244 0.53 100.0

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 18,033.48 3,801.65 2,435.03 3,044.39 7,622.82 7,581.22 10,118.27 13,135.99 11,589.80 8,702.85 8,520.83 13,600.25 11,322.38 23,708.50 16,481.42 42,789.33 48,048.52 32,998.80 41,761.20 431,550.07 756,846.82

18,033.48 2.38 2.38 21,835.13 0.50 2.89 24,270.16 0.32 3.21 27,314.54 0.40 3.61 34,937.37 1.01 4.62 42,518.59 1.00 5.62 52,636.85 1.34 6.95 65,772.85 1.74 8.69 77,362.65 1.53 10.22 86,065.51 1.15 11.37 94,586.34 1.13 12.50 108,186.59 1.80 14.29 119,508.97 1.50 15.79 143,217.46 3.13 18.92 159,698.89 2.18 21.10 202,488.22 5.65 26.75 250,536.74 6.35 33.10 283,535.54 4.36 37.46 325,296.74 5.52 42.98 756,846.82 57.02 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 425 88 103 129 155 124 118 148 91 63 63 131 128 145 112 214 322 300 391 495 3,745

425 11.35 11.35 513 2.35 13.70 616 2.75 16.45 745 3.44 19.89 900 4.14 24.03 1,024 3.31 27.34 1,142 3.15 30.49 1,290 3.95 34.45 1,381 2.43 36.88 1,444 1.68 38.56 1,507 1.68 40.24 1,638 3.50 43.74 1,766 3.42 47.16 1,911 3.87 51.03 2,023 2.99 54.02 2,237 5.71 59.73 2,559 8.60 68.33 2,859 8.01 76.34 3,250 10.44 86.78 3,745 13.22 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 221,888.74 221,888.74 11.76 11.76 7,838.82 229,727.56 0.42 12.18 2,795.82 232,523.38 0.15 12.33 2,785.28 235,308.66 0.15 12.47 6,453.52 241,762.18 0.34 12.82 7,607.46 249,369.64 0.40 13.22 11,296.64 260,666.27 0.60 13.82 14,088.22 274,754.49 0.75 14.57 11,618.22 286,372.71 0.62 15.18 5,941.97 292,314.69 0.32 15.50 15,108.59 307,423.28 0.80 16.30 11,252.53 318,675.81 0.60 16.89 53,663.49 372,339.30 2.84 19.74 86,756.58 459,095.88 4.60 24.34 31,095.92 490,191.80 1.65 25.99 107,785.34 597,977.14 5.71 31.70 129,072.82 727,049.96 6.84 38.54 135,897.31 862,947.27 7.20 45.75 193,682.79 1,056,630.07 10.27 56.02 829,655.59 1,886,285.66 43.98 100.00 1,886,285.66

1230.4 206.20 114.82 91.49 84.66 100.35 111.65 107.25 100.25 68.28 177.31 82.74 473.96 365.93 188.67 251.90 268.63 411.83 463.79 192.25

1230.4 1052.1 958.06 861.48 691.99 586.50 495.22 417.73 370.17 339.64 325.02 294.56 311.56 320.56 306.95 295.31 290.20 304.35 324.82 249.23

249.23

Page 54 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: L.O.P

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

457

01/01/2007

15/12/2009

DATE

15/03/2010

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 14 10 51 13 16 26 10 26 21 14 15 9 12 33 23 36 53 36 29 10

14 3.06 24 2.19 75 11.16 88 2.84 104 3.50 130 5.69 140 2.19 166 5.69 187 4.60 201 3.06 216 3.28 225 1.97 237 2.63 270 7.22 293 5.03 329 7.88 382 11.60 418 7.88 447 6.35 457 2.19

3.06 5.25 16.41 19.26 22.76 28.45 30.63 36.32 40.92 43.98 47.26 49.23 51.86 59.08 64.11 71.99 83.59 91.47 97.81 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5.86 3.78 2.90 6.09 9.72 14.53 11.76 59.57 63.22 25.43 45.36 40.70 68.18 186.49 96.30 333.05 486.77 573.22 272.76 817.02 3,122.71

5.86 9.64 12.54 18.63 28.35 42.88 54.64 114.21 177.43 202.86 248.22 288.92 357.10 543.59 639.89 972.94 1,459.71 2,032.93 2,305.70 3,122.71

0.19 0.19 0.12 0.31 0.09 0.40 0.19 0.60 0.31 0.91 0.47 1.37 0.38 1.75 1.91 3.66 2.02 5.68 0.81 6.50 1.45 7.95 1.30 9.25 2.18 11.44 5.97 17.41 3.08 20.49 10.67 31.16 15.59 46.75 18.36 65.10 8.73 73.84 26.16 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 2 0 0 2 0 1 0 0 0 0 0 0 1 0 0 1 1 0 6 0 14

2 14.29 14.29 2 0.00 14.29 2 0.00 14.29 4 14.29 28.57 4 0.00 28.57 5 7.14 35.71 5 0.00 35.71 5 0.00 35.71 5 0.00 35.71 5 0.00 35.71 5 0.00 35.71 5 0.00 35.71 6 7.14 42.86 6 0.00 42.86 6 0.00 42.86 7 7.14 50.00 8 7.14 57.14 8 0.00 57.14 14 42.86 100.00 14 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 171.25 0.00 0.00 10.28 0.00 5.38 0.00 0.00 0.00 0.00 0.00 0.00 46.85 0.00 0.00 26.38 7.27 0.00 416.51 0.00 683.92

171.25 25.04 171.25 0.00 171.25 0.00 181.54 1.50 181.54 0.00 186.91 0.79 186.91 0.00 186.91 0.00 186.91 0.00 186.91 0.00 186.91 0.00 186.91 0.00 233.76 6.85 233.76 0.00 233.76 0.00 260.14 3.86 267.41 1.06 267.41 0.00 683.92 60.90 683.92 0.00

25.04 2922.7 2922.7 25.04 0.00 1776.7 25.04 0.00 1365.6 26.54 168.91 974.52 26.54 0.00 640.36 27.33 36.99 435.91 27.33 0.00 342.10 27.33 0.00 163.66 27.33 0.00 105.34 27.33 0.00 92.14 27.33 0.00 75.30 27.33 0.00 64.69 34.18 68.71 65.46 34.18 0.00 43.00 34.18 0.00 36.53 38.04 7.92 26.74 39.10 1.49 18.32 39.10 0.00 13.15 100.00 152.70 29.66 100.00 0.00 21.90 21.90

Page 55 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: Earthquake

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 8,168 2,528 3,921 2,845 3,703 2,923 2,608 2,710 2,000 1,224 1,157 1,360 1,135 1,598 1,155 1,918 1,731 877 926 342 44,829

8,168 18.22 10,696 5.64 14,617 8.75 17,462 6.35 21,165 8.26 24,088 6.52 26,696 5.82 29,406 6.05 31,406 4.46 32,630 2.73 33,787 2.58 35,147 3.03 36,282 2.53 37,880 3.56 39,035 2.58 40,953 4.28 42,684 3.86 43,561 1.96 44,487 2.07 44,829 0.76

18.22 23.86 32.61 38.95 47.21 53.73 59.55 65.60 70.06 72.79 75.37 78.40 80.93 84.50 87.08 91.35 95.22 97.17 99.24 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

20,493.91 1,115.93 1,302.57 1,528.93 2,340.16 2,641.80 3,086.81 4,261.00 3,834.30 3,127.36 2,905.36 4,342.90 4,191.88 8,494.97 7,477.93 20,300.01 26,283.17 17,521.30 29,193.64 24,196.85

16 4 11 10 18 10 12 6 11 3 6 8 11 58 6 12 16 8 5 3

188,640.79

20,493.91 21,609.84 22,912.42 24,441.35 26,781.51 29,423.32 32,510.12 36,771.12 40,605.43 43,732.79 46,638.14 50,981.04 55,172.93 63,667.89 71,145.82 91,445.83 117,729.00 135,250.30 164,443.95 188,640.79

10.86 10.86 0.59 11.46 0.69 12.15 0.81 12.96 1.24 14.20 1.40 15.60 1.64 17.23 2.26 19.49 2.03 21.53 1.66 23.18 1.54 24.72 2.30 27.03 2.22 29.25 4.50 33.75 3.96 37.71 10.76 48.48 13.93 62.41 9.29 71.70 15.48 87.17 12.83 100.00

234

16 6.84 6.84 20 1.71 8.55 31 4.70 13.25 41 4.27 17.52 59 7.69 25.21 69 4.27 29.49 81 5.13 34.62 87 2.56 37.18 98 4.70 41.88 101 1.28 43.16 107 2.56 45.73 115 3.42 49.15 126 4.70 53.85 184 24.79 78.63 190 2.56 81.20 202 5.13 86.32 218 6.84 93.16 226 3.42 96.58 231 2.14 98.72 234 1.28 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 1,746.92 371.52 82.07 108.71 248.68 447.29 272.49 697.23 1,642.99 1,207.95 65.25 254.39 355.70 753.92 826.23 3,990.39 7,412.65 1,950.74 42.45 859.45 23,337.02

1,746.92 7.49 2,118.44 1.59 2,200.51 0.35 2,309.22 0.47 2,557.90 1.07 3,005.19 1.92 3,277.68 1.17 3,974.91 2.99 5,617.91 7.04 6,825.85 5.18 6,891.10 0.28 7,145.49 1.09 7,501.19 1.52 8,255.11 3.23 9,081.34 3.54 13,071.73 17.10 20,484.39 31.76 22,435.13 8.36 22,477.57 0.18 23,337.02 3.68

7.49 9.08 9.43 9.90 10.96 12.88 14.04 17.03 24.07 29.25 29.53 30.62 32.14 35.37 38.91 56.01 87.78 96.14 96.32 100.00

8.52 33.29 6.30 7.11 10.63 16.93 8.83 16.36 42.85 38.63 2.25 5.86 8.49 8.87 11.05 19.66 28.20 11.13 0.15 3.55

8.52 9.80 9.60 9.45 9.55 10.21 10.08 10.81 13.84 15.61 14.78 14.02 13.60 12.97 12.76 14.29 17.40 16.59 13.67 12.37

12.37

Page 56 of 204

RISK AND LOSS PROFILE 2007 GROUP BY OCCUPATION CODE

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

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 20

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2009

DATE

15/03/2010

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

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 163 37 40 31 54 39 34 35 33 23 31 31 37 29 25 63 67 40 66 80 958

163 17.01 200 3.86 240 4.18 271 3.24 325 5.64 364 4.07 398 3.55 433 3.65 466 3.44 489 2.40 520 3.24 551 3.24 588 3.86 617 3.03 642 2.61 705 6.58 772 6.99 812 4.18 878 6.89 958 8.35

17.01 20.88 25.05 28.29 33.92 38.00 41.54 45.20 48.64 51.04 54.28 57.52 61.38 64.41 67.01 73.59 80.58 84.76 91.65 100.00

878.48 44.09 17.09 15.56 31.86 65.13 72.16 68.53 92.70 52.62 120.20 167.91 196.85 290.90 262.12 855.05 817.92 834.38 636.00 1,795.88 7,315.45

878.48 922.57 939.66 955.23 987.09 1,052.22 1,124.38 1,192.91 1,285.61 1,338.24 1,458.43 1,626.34 1,823.19 2,114.09 2,376.21 3,231.26 4,049.18 4,883.56 5,519.56 7,315.45

12.01 12.01 0.60 12.61 0.23 12.84 0.21 13.06 0.44 13.49 0.89 14.38 0.99 15.37 0.94 16.31 1.27 17.57 0.72 18.29 1.64 19.94 2.30 22.23 2.69 24.92 3.98 28.90 3.58 32.48 11.69 44.17 11.18 55.35 11.41 66.76 8.69 75.45 24.55 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 1 0 0 1 1 1 1 0 3 3 0 0 5 3 1 3 8 58 91

2 2.20 2.20 2 0.00 2.20 3 1.10 3.30 3 0.00 3.30 3 0.00 3.30 4 1.10 4.40 5 1.10 5.49 6 1.10 6.59 7 1.10 7.69 7 0.00 7.69 10 3.30 10.99 13 3.30 14.29 13 0.00 14.29 13 0.00 14.29 18 5.49 19.78 21 3.30 23.08 22 1.10 24.18 25 3.30 27.47 33 8.79 36.26 91 63.74 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 74.89 0.00 145.31 0.00 0.00 778.95 52.87 0.80 221.75 0.00 74.44 292.51 0.00 0.00 995.69 232.73 85.34 24.11 623.40 302,885.93 306,488.71

74.89 0.02 74.89 0.00 220.20 0.05 220.20 0.00 220.20 0.00 999.15 0.25 1,052.02 0.02 1,052.81 0.00 1,274.56 0.07 1,274.56 0.00 1,349.00 0.02 1,641.51 0.10 1,641.51 0.00 1,641.51 0.00 2,637.20 0.32 2,869.93 0.08 2,955.27 0.03 2,979.38 0.01 3,602.79 0.20 306,488.71 98.82

0.02 0.02 0.07 0.07 0.07 0.33 0.34 0.34 0.42 0.42 0.44 0.54 0.54 0.54 0.86 0.94 0.96 0.97 1.18 100.00

LOSS RATIO PERCENTAGE BAND CUM 8.52 0.00 850.16 0.00 0.00 1195.99 73.26 1.16 239.20 0.00 61.93 174.21 0.00 0.00 379.86 27.22 10.43 2.89 98.02 16865.57

8.52 8.12 23.43 23.05 22.31 94.96 93.56 88.26 99.14 95.24 92.50 100.93 90.04 77.65 110.98 88.82 72.98 61.01 65.27 4189.61

4189.61

Page 57 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2009

DATE

15/03/2010

Stone,Earth,(Animal) Bons or Shells

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 255 86 132 97 112 105 93 112 67 50 44 69 49 88 62 106 146 76 153 53 1,955

255 13.04 341 4.40 473 6.75 570 4.96 682 5.73 787 5.37 880 4.76 992 5.73 1,059 3.43 1,109 2.56 1,153 2.25 1,222 3.53 1,271 2.51 1,359 4.50 1,421 3.17 1,527 5.42 1,673 7.47 1,749 3.89 1,902 7.83 1,955 2.71

13.04 17.44 24.19 29.16 34.88 40.26 45.01 50.74 54.17 56.73 58.98 62.51 65.01 69.51 72.69 78.11 85.58 89.46 97.29 100.00

529.38 529.38 3.48 3.48 48.60 577.98 0.32 3.80 70.81 648.79 0.47 4.27 68.44 717.23 0.45 4.72 85.64 802.87 0.56 5.28 113.75 916.63 0.75 6.03 148.67 1,065.30 0.98 7.01 303.00 1,368.30 1.99 9.00 235.46 1,603.76 1.55 10.55 139.07 1,742.83 0.91 11.46 143.87 1,886.70 0.95 12.41 276.77 2,163.47 1.82 14.23 188.42 2,351.89 1.24 15.47 469.77 2,821.66 3.09 18.56 291.70 3,113.36 1.92 20.48 1,136.14 4,249.51 7.47 27.95 1,463.11 5,712.62 9.62 37.57 633.14 6,345.75 4.16 41.74 1,079.50 7,425.25 7.10 48.84 7,779.16 15,204.41 51.16 100.00 15,204.41

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 9 0 0 1 0 0 1 1 1 0 0 2 1 0 1 3 4 7 19 20 70

9 9 9 10 10 10 11 12 13 13 13 15 16 16 17 20 24 31 50 70

12.86 12.86 0.00 12.86 0.00 12.86 1.43 14.29 0.00 14.29 0.00 14.29 1.43 15.71 1.43 17.14 1.43 18.57 0.00 18.57 0.00 18.57 2.86 21.43 1.43 22.86 0.00 22.86 1.43 24.29 4.29 28.57 5.71 34.29 10.00 44.29 27.14 71.43 28.57 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,013.47 0.00 0.00 155.04 0.00 0.00 6.38 141.99 15.28 0.00 0.00 854.35 39.66 0.00 210.84 63.75 886.86 1,054.21 1,904.21 14,746.53 22,092.57

2,013.47 9.11 2,013.47 0.00 2,013.47 0.00 2,168.50 0.70 2,168.50 0.00 2,168.50 0.00 2,174.88 0.03 2,316.87 0.64 2,332.15 0.07 2,332.15 0.00 2,332.15 0.00 3,186.50 3.87 3,226.16 0.18 3,226.16 0.00 3,437.01 0.95 3,500.76 0.29 4,387.62 4.01 5,441.83 4.77 7,346.04 8.62 22,092.57 66.75

9.11 9.11 9.11 9.82 9.82 9.82 9.84 10.49 10.56 10.56 10.56 14.42 14.60 14.60 15.56 15.85 19.86 24.63 33.25 100.00

380.34 0.00 0.00 226.53 0.00 0.00 4.29 46.86 6.49 0.00 0.00 308.69 21.05 0.00 72.28 5.61 60.61 166.51 176.40 189.56

380.34 348.36 310.34 302.34 270.09 236.57 204.16 169.32 145.42 133.81 123.61 147.29 137.17 114.34 110.40 82.38 76.81 85.76 98.93 145.30

145.30

Page 58 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2009

DATE

15/03/2010

Metals

BAND

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

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 680 291 429 341 544 432 414 467 343 299 224 312 256 389 264 606 642 332 410 245 7,920

680 971 1,400 1,741 2,285 2,717 3,131 3,598 3,941 4,240 4,464 4,776 5,032 5,421 5,685 6,291 6,933 7,265 7,675 7,920

8.59 3.67 5.42 4.31 6.87 5.45 5.23 5.90 4.33 3.78 2.83 3.94 3.23 4.91 3.33 7.65 8.11 4.19 5.18 3.09

8.59 12.26 17.68 21.98 28.85 34.31 39.53 45.43 49.76 53.54 56.36 60.30 63.54 68.45 71.78 79.43 87.54 91.73 96.91 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,261.65 98.06 159.91 175.98 458.49 415.30 768.43 901.75 974.28 852.34 898.88 1,546.14 1,407.30 2,522.19 2,005.84 6,919.22 8,386.33 4,430.90 4,149.93 1,213.91 41,546.86

3,261.65 7.85 7.85 3,359.72 0.24 8.09 3,519.63 0.38 8.47 3,695.61 0.42 8.90 4,154.10 1.10 10.00 4,569.41 1.00 11.00 5,337.84 1.85 12.85 6,239.59 2.17 15.02 7,213.87 2.35 17.36 8,066.21 2.05 19.41 8,965.10 2.16 21.58 10,511.23 3.72 25.30 11,918.53 3.39 28.69 14,440.72 6.07 34.76 16,446.57 4.83 39.59 23,365.78 16.65 56.24 31,752.12 20.19 76.42 36,183.02 10.66 87.09 40,332.94 9.99 97.08 41,546.86 2.92 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 42 1 4 2 1 3 1 9 4 8 2 2 6 8 6 18 34 25 27 27 230

42 43 47 49 50 53 54 63 67 75 77 79 85 93 99 117 151 176 203 230

18.26 18.26 0.43 18.70 1.74 20.43 0.87 21.30 0.43 21.74 1.30 23.04 0.43 23.48 3.91 27.39 1.74 29.13 3.48 32.61 0.87 33.48 0.87 34.35 2.61 36.96 3.48 40.43 2.61 43.04 7.83 50.87 14.78 65.65 10.87 76.52 11.74 88.26 11.74 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 5,485.01 8.72 104.74 174.23 16.68 1,127.07 341.72 416.50 2,816.68 1,341.14 41.26 205.74 419.05 4,665.86 450.76 4,337.71 25,980.13 1,426.80 3,166.14 5,325.44 57,851.40

5,485.01 9.48 5,493.74 0.02 5,598.47 0.18 5,772.71 0.30 5,789.39 0.03 6,916.46 1.95 7,258.18 0.59 7,674.68 0.72 10,491.36 4.87 11,832.50 2.32 11,873.76 0.07 12,079.50 0.36 12,498.55 0.72 17,164.41 8.07 17,615.17 0.78 21,952.88 7.50 47,933.01 44.91 49,359.81 2.47 52,525.96 5.47 57,851.40 9.21

9.48 9.50 9.68 9.98 10.01 11.96 12.55 13.27 18.14 20.45 20.52 20.88 21.60 29.67 30.45 37.95 82.86 85.32 90.79 100.00

168.17 8.90 65.50 99.01 3.64 271.38 44.47 46.19 289.10 157.35 4.59 13.31 29.78 184.99 22.47 62.69 309.79 32.20 76.29 438.70

168.17 163.52 159.06 156.20 139.37 151.36 135.98 123.00 145.43 146.69 132.44 114.92 104.87 118.86 107.11 93.95 150.96 136.42 130.23 139.24

139.24

Page 59 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2009

DATE

15/03/2010

Chemical / Oils / Gas

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 980 214 330 335 594 588 558 644 463 348 364 429 362 557 375 734 645 318 330 195 9,363

980 10.47 1,194 2.29 1,524 3.52 1,859 3.58 2,453 6.34 3,041 6.28 3,599 5.96 4,243 6.88 4,706 4.94 5,054 3.72 5,418 3.89 5,847 4.58 6,209 3.87 6,766 5.95 7,141 4.01 7,875 7.84 8,520 6.89 8,838 3.40 9,168 3.52 9,363 2.08

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

10.47 5,405.72 12.75 248.92 16.28 360.45 19.85 413.64 26.20 871.31 32.48 1,089.25 38.44 1,402.75 45.32 2,035.88 50.26 2,092.75 53.98 1,921.81 57.87 1,968.10 62.45 2,812.86 66.31 2,929.59 72.26 5,336.37 76.27 4,368.29 84.11 10,054.74 91.00 13,807.33 94.39 5,637.03 97.92 4,989.25 100.00 8,429.22 76,175.26

5,405.72 7.10 7.10 5,654.65 0.33 7.42 6,015.09 0.47 7.90 6,428.74 0.54 8.44 7,300.04 1.14 9.58 8,389.29 1.43 11.01 9,792.05 1.84 12.85 11,827.93 2.67 15.53 13,920.68 2.75 18.27 15,842.49 2.52 20.80 17,810.59 2.58 23.38 20,623.45 3.69 27.07 23,553.04 3.85 30.92 28,889.41 7.01 37.92 33,257.70 5.73 43.66 43,312.43 13.20 56.86 57,119.76 18.13 74.98 62,756.80 7.40 82.38 67,746.04 6.55 88.93 76,175.26 11.07 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 55 3 3 9 5 8 2 15 15 7 13 6 12 10 20 35 38 22 38 7 323

55 58 61 70 75 83 85 100 115 122 135 141 153 163 183 218 256 278 316 323

17.03 0.93 0.93 2.79 1.55 2.48 0.62 4.64 4.64 2.17 4.02 1.86 3.72 3.10 6.19 10.84 11.76 6.81 11.76 2.17

17.03 17.96 18.89 21.67 23.22 25.70 26.32 30.96 35.60 37.77 41.80 43.65 47.37 50.46 56.66 67.49 79.26 86.07 97.83 100.0

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 154,724.8 5,784.79 217.88 729.67 540.55 379.52 1,145.95 5,034.04 4,894.80 1,935.74 6,991.07 3,322.42 2,638.65 5,620.13 3,831.19 39,459.51 36,848.10 3,823.59 23,760.23 11,040.53 312,723.1

154,724.81 49.48 160,509.60 1.85 160,727.48 0.07 161,457.14 0.23 161,997.69 0.17 162,377.22 0.12 163,523.17 0.37 168,557.21 1.61 173,452.01 1.57 175,387.75 0.62 182,378.82 2.24 185,701.24 1.06 188,339.89 0.84 193,960.02 1.80 197,791.21 1.23 237,250.72 12.62 274,098.82 11.78 277,922.41 1.22 301,682.64 7.60 312,723.16 3.53

49.48 51.33 51.40 51.63 51.80 51.92 52.29 53.90 55.47 56.08 58.32 59.38 60.23 62.02 63.25 75.87 87.65 88.87 96.47 100.00

2862.2 2323.9 60.45 176.40 62.04 34.84 81.69 247.27 233.89 100.72 355.22 118.12 90.07 105.32 87.70 392.45 266.87 67.83 476.23 130.98

2862.24 2838.54 2672.07 2511.49 2219.13 1935.53 1669.96 1425.08 1246.00 1107.07 1023.99 900.44 799.64 671.39 594.72 547.77 479.87 442.86 445.31 410.53

410.53

Page 60 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2009

DATE

15/03/2010

Textiles

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,130 819 1,660 1,347 1,756 1,064 802 763 575 339 324 375 296 370 239 542 561 311 436 154 13,863

1,130 8.15 1,949 5.91 3,609 11.97 4,956 9.72 6,712 12.67 7,776 7.68 8,578 5.79 9,341 5.50 9,916 4.15 10,255 2.45 10,579 2.34 10,954 2.71 11,250 2.14 11,620 2.67 11,859 1.72 12,401 3.91 12,962 4.05 13,273 2.24 13,709 3.15 13,863 1.11

8.15 14.06 26.03 35.75 48.42 56.09 61.88 67.38 71.53 73.97 76.31 79.02 81.15 83.82 85.54 89.45 93.50 95.74 98.89 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,448.49 395.95 985.77 1,227.92 2,474.02 2,056.82 2,088.48 2,565.12 2,249.31 1,602.07 1,743.47 2,402.02 2,041.86 3,126.21 2,400.60 7,905.40 9,677.87 4,410.35 7,505.24 6,096.28 66,403.26

3,448.49 5.19 5.19 3,844.44 0.60 5.79 4,830.21 1.48 7.27 6,058.13 1.85 9.12 8,532.15 3.73 12.85 10,588.97 3.10 15.95 12,677.45 3.15 19.09 15,242.57 3.86 22.95 17,491.89 3.39 26.34 19,093.95 2.41 28.75 20,837.43 2.63 31.38 23,239.44 3.62 35.00 25,281.30 3.07 38.07 28,407.51 4.71 42.78 30,808.11 3.62 46.40 38,713.52 11.91 58.30 48,391.39 14.57 72.88 52,801.74 6.64 79.52 60,306.98 11.30 90.82 66,403.26 9.18 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

23 3 4 3 2 2 8 18 7 4 5 10 17 20 14 39 59 47 42 24 351

23 26 30 33 35 37 45 63 70 74 79 89 106 126 140 179 238 285 327 351

6.55 6.55 0.85 7.41 1.14 8.55 0.85 9.40 0.57 9.97 0.57 10.54 2.28 12.82 5.13 17.95 1.99 19.94 1.14 21.08 1.42 22.51 2.85 25.36 4.84 30.20 5.70 35.90 3.99 39.89 11.11 51.00 16.81 67.81 13.39 81.20 11.97 93.16 6.84 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 16,085.90 495.65 303.48 186.46 78.62 82.54 2,308.16 1,750.88 869.41 590.63 242.59 1,008.91 68.85 3,534.79 639.88 2,746.01 4,946.78 3,593.40 103,582.28 3,641.73 146,756.94

16,085.90 10.96 16,581.55 0.34 16,885.03 0.21 17,071.49 0.13 17,150.11 0.05 17,232.64 0.06 19,540.80 1.57 21,291.68 1.19 22,161.09 0.59 22,751.71 0.40 22,994.30 0.17 24,003.21 0.69 24,072.06 0.05 27,606.85 2.41 28,246.74 0.44 30,992.75 1.87 35,939.52 3.37 39,532.93 2.45 143,115.21 70.58 146,756.94 2.48

10.96 11.30 11.51 11.63 11.69 11.74 13.32 14.51 15.10 15.50 15.67 16.36 16.40 18.81 19.25 21.12 24.49 26.94 97.52 100.00

LOSS RATIO PERCENTAGE BAND CUM 466.46 125.18 30.79 15.19 3.18 4.01 110.52 68.26 38.65 36.87 13.91 42.00 3.37 113.07 26.66 34.74 51.11 81.48 1380.13 59.74

466.46 431.31 349.57 281.79 201.01 162.74 154.14 139.69 126.69 119.16 110.35 103.29 95.22 97.18 91.69 80.06 74.27 74.87 237.31 221.01

221.01

Page 61 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2009

DATE

15/03/2010

Paper, Leather, Rubber

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 843 645 920 696 955 650 490 617 449 297 262 340 239 379 258 469 356 226 215 62 9,368

843 9.00 1,488 6.89 2,408 9.82 3,104 7.43 4,059 10.19 4,709 6.94 5,199 5.23 5,816 6.59 6,265 4.79 6,562 3.17 6,824 2.80 7,164 3.63 7,403 2.55 7,782 4.05 8,040 2.75 8,509 5.01 8,865 3.80 9,091 2.41 9,306 2.30 9,368 0.66

9.00 15.88 25.70 33.13 43.33 50.27 55.50 62.08 66.88 70.05 72.84 76.47 79.02 83.07 85.82 90.83 94.63 97.04 99.34 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,161.03 505.31 603.28 732.57 1,401.26 1,380.58 1,357.67 2,322.91 2,139.34 1,769.61 1,574.83 2,855.76 2,070.86 3,969.03 3,694.13 8,711.17 11,816.96 5,411.61 7,698.81 2,831.73 66,008.45

3,161.03 4.79 4.79 3,666.34 0.77 5.55 4,269.62 0.91 6.47 5,002.19 1.11 7.58 6,403.45 2.12 9.70 7,784.02 2.09 11.79 9,141.70 2.06 13.85 11,464.60 3.52 17.37 13,603.94 3.24 20.61 15,373.55 2.68 23.29 16,948.39 2.39 25.68 19,804.15 4.33 30.00 21,875.01 3.14 33.14 25,844.04 6.01 39.15 29,538.17 5.60 44.75 38,249.35 13.20 57.95 50,066.31 17.90 75.85 55,477.92 8.20 84.05 63,176.73 11.66 95.71 66,008.45 4.29 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 20 0 2 3 6 1 10 8 8 1 12 9 7 9 7 19 22 10 15 3 172

20 11.63 11.63 20 0.00 11.63 22 1.16 12.79 25 1.74 14.53 31 3.49 18.02 32 0.58 18.60 42 5.81 24.42 50 4.65 29.07 58 4.65 33.72 59 0.58 34.30 71 6.98 41.28 80 5.23 46.51 87 4.07 50.58 96 5.23 55.81 103 4.07 59.88 122 11.05 70.93 144 12.79 83.72 154 5.81 89.53 169 8.72 98.26 172 1.74 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 8,389.03 0.00 180.23 121.87 147.74 696.42 899.83 423.69 2,208.54 1,996.02 2,797.68 3,062.26 426.90 1,293.77 8,759.31 5,827.73 36,333.50 87,862.41 46,192.73 499.07 208,118.74

8,389.03 4.03 8,389.03 0.00 8,569.27 0.09 8,691.13 0.06 8,838.87 0.07 9,535.29 0.33 10,435.12 0.43 10,858.81 0.20 13,067.35 1.06 15,063.37 0.96 17,861.05 1.34 20,923.31 1.47 21,350.21 0.21 22,643.98 0.62 31,403.29 4.21 37,231.02 2.80 73,564.52 17.46 161,426.94 42.22 207,619.67 22.20 208,118.74 0.24

4.03 4.03 4.12 4.18 4.25 4.58 5.01 5.22 6.28 7.24 8.58 10.05 10.26 10.88 15.09 17.89 35.35 77.56 99.76 100.00

265.39 0.00 29.88 16.64 10.54 50.44 66.28 18.24 103.23 112.79 177.65 107.23 20.61 32.60 237.11 66.90 307.47 1623.5 600.00 17.62

265.39 228.81 200.70 173.75 138.03 122.50 114.15 94.72 96.06 97.98 105.38 105.65 97.60 87.62 106.31 97.34 146.93 290.98 328.63 315.29

315.29

Page 62 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 26

DATA POSITION FROM

01/01/2007

15/12/2009

DATE

15/03/2010

PROCESSING

Wood, Bamboo and Rattan

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 872 618 706 489 624 365 419 431 342 221 167 317 178 300 221 339 284 162 181 36 7,272

872 11.99 1,490 8.50 2,196 9.71 2,685 6.72 3,309 8.58 3,674 5.02 4,093 5.76 4,524 5.93 4,866 4.70 5,087 3.04 5,254 2.30 5,571 4.36 5,749 2.45 6,049 4.13 6,270 3.04 6,609 4.66 6,893 3.91 7,055 2.23 7,236 2.49 7,272 0.50

11.99 20.49 30.20 36.92 45.50 50.52 56.28 62.21 66.91 69.95 72.25 76.61 79.06 83.18 86.22 90.88 94.79 97.02 99.50 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,381.76 487.78 824.42 868.93 1,682.84 1,565.50 2,188.85 3,126.66 2,847.86 2,027.47 2,052.34 3,825.94 2,888.31 5,594.85 5,351.29 10,206.66 10,608.13 4,362.17 10,097.74 2,210.66 75,200.18

2,381.76 3.17 3.17 2,869.54 0.65 3.82 3,693.96 1.10 4.91 4,562.89 1.16 6.07 6,245.74 2.24 8.31 7,811.23 2.08 10.39 10,000.08 2.91 13.30 13,126.75 4.16 17.46 15,974.61 3.79 21.24 18,002.08 2.70 23.94 20,054.43 2.73 26.67 23,880.36 5.09 31.76 26,768.67 3.84 35.60 32,363.52 7.44 43.04 37,714.82 7.12 50.15 47,921.47 13.57 63.73 58,529.61 14.11 77.83 62,891.77 5.80 83.63 72,989.51 13.43 97.06 75,200.18 2.94 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 11 1 6 6 1 8 1 8 6 7 5 6 12 7 5 21 18 8 10 5 152

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

11 7.24 7.24 736.06 736.06 1.48 12 0.66 7.89 15.46 751.52 0.03 18 3.95 11.84 528.25 1,279.77 1.07 24 3.95 15.79 740.80 2,020.57 1.49 25 0.66 16.45 54.91 2,075.48 0.11 33 5.26 21.71 2,419.11 4,494.59 4.88 34 0.66 22.37 185.78 4,680.37 0.37 42 5.26 27.63 3,465.09 8,145.46 6.99 48 3.95 31.58 857.09 9,002.54 1.73 55 4.61 36.18 671.29 9,673.84 1.35 60 3.29 39.47 63.12 9,736.95 0.13 66 3.95 43.42 1,779.46 11,516.41 3.59 78 7.89 51.32 4,988.26 16,504.67 10.06 85 4.61 55.92 461.48 16,966.15 0.93 90 3.29 59.21 2,626.15 19,592.30 5.30 11 13.82 73.03 11,753.47 31,345.78 23.71 12 11.84 84.87 6,690.92 38,036.70 13.50 13 5.26 90.13 4,310.60 42,347.30 8.70 14 6.58 96.71 2,444.52 44,791.81 4.93 15 3.29 100.00 4,780.19 49,572.00 9.64 49,572.00

1.48 1.52 2.58 4.08 4.19 9.07 9.44 16.43 18.16 19.51 19.64 23.23 33.29 34.23 39.52 63.23 76.73 85.43 90.36 100.00

30.90 3.17 64.08 85.25 3.26 154.53 8.49 110.82 30.10 33.11 3.08 46.51 172.71 8.25 49.08 115.15 63.07 98.82 24.21 216.23

30.90 26.19 34.64 44.28 33.23 57.54 46.80 62.05 56.36 53.74 48.55 48.23 61.66 52.42 51.95 65.41 64.99 67.33 61.37 65.92

65.92

Page 63 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 27

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2009

DATE

15/03/2010

Nutritional, Drinks and Tobacco

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,866 2,192 2,382 1,486 1,819 1,176 927 1,041 719 478 455 596 452 699 538 977 954 470 381 100 21,708

3,866 17.81 6,058 10.10 8,440 10.97 9,926 6.85 11,745 8.38 12,921 5.42 13,848 4.27 14,889 4.80 15,608 3.31 16,086 2.20 16,541 2.10 17,137 2.75 17,589 2.08 18,288 3.22 18,826 2.48 19,803 4.50 20,757 4.39 21,227 2.17 21,608 1.76 21,708 0.46

17.81 27.91 38.88 45.73 54.10 59.52 63.79 68.59 71.90 74.10 76.20 78.94 81.03 84.25 86.72 91.22 95.62 97.78 99.54 100.00

5,287.40 2,454.72 990.47 880.71 1,722.58 1,552.05 1,559.35 2,294.30 2,065.06 1,445.40 1,774.47 2,552.10 2,302.60 4,967.52 4,561.27 10,960.3 13,089.2 7,211.77 5,418.90 5,751.98 78,842.2

5,287.40 6.71 6.71 7,742.12 3.11 9.82 8,732.58 1.26 11.08 9,613.29 1.12 12.19 11,335.88 2.18 14.38 12,887.93 1.97 16.35 14,447.28 1.98 18.32 16,741.58 2.91 21.23 18,806.64 2.62 23.85 20,252.04 1.83 25.69 22,026.52 2.25 27.94 24,578.62 3.24 31.17 26,881.22 2.92 34.09 31,848.74 6.30 40.40 36,410.01 5.79 46.18 47,370.36 13.90 60.08 60,459.64 16.60 76.68 67,671.40 9.15 85.83 73,090.31 6.87 92.70 78,842.29 7.30 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 97 11 3 4 6 9 10 10 6 7 7 11 15 74 16 36 54 45 43 32 496

97 19.56 19.56 108 2.22 21.77 111 0.60 22.38 115 0.81 23.19 121 1.21 24.40 130 1.81 26.21 140 2.02 28.23 150 2.02 30.24 156 1.21 31.45 163 1.41 32.86 170 1.41 34.27 181 2.22 36.49 196 3.02 39.52 270 14.92 54.44 286 3.23 57.66 322 7.26 64.92 376 10.89 75.81 421 9.07 84.88 464 8.67 93.55 496 6.45 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 25,899.92 454.53 190.35 611.11 381.80 1,706.25 858.17 1,851.39 312.26 2,185.72 1,071.67 936.00 4,553.58 55,848.17 9,548.74 25,363.24 23,432.23 3,497.62 11,565.47 30,161.79 200,430.02

25,899.92 26,354.45 26,544.80 27,155.91 27,537.71 29,243.96 30,102.13 31,953.52 32,265.78 34,451.51 35,523.18 36,459.18 41,012.75 96,860.93 106,409.67 131,772.91 155,205.14 158,702.76 170,268.23 200,430.02

12.92 0.23 0.09 0.30 0.19 0.85 0.43 0.92 0.16 1.09 0.53 0.47 2.27 27.86 4.76 12.65 11.69 1.75 5.77 15.05

12.92 13.15 13.24 13.55 13.74 14.59 15.02 15.94 16.10 17.19 17.72 18.19 20.46 48.33 53.09 65.75 77.44 79.18 84.95 100.00

489.84 18.52 19.22 69.39 22.16 109.93 55.03 80.70 15.12 151.22 60.39 36.68 197.76 1124.2 209.34 231.41 179.02 48.50 213.43 524.37

489.84 340.40 303.97 282.48 242.93 226.91 208.36 190.86 171.57 170.11 161.27 148.34 152.57 304.13 292.25 278.18 256.71 234.52 232.96 254.22

254.22 Page 64 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 28

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2009

DATE

15/03/2010

Power and Heating

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

34 14 11 4 15 4 9 20 4 16 26 14 10 44 17 59 65 22 45 86

131.17 14.66 2.34 3.07 9.47 1.96 6.34 47.78 10.84 38.00 34.40 24.44 28.05 189.50 99.46 602.61 787.00 1,568.90 2,486.04 304,877.10

519

34 6.55 48 2.70 59 2.12 63 0.77 78 2.89 82 0.77 91 1.73 111 3.85 115 0.77 131 3.08 157 5.01 171 2.70 181 1.93 225 8.48 242 3.28 301 11.37 366 12.52 388 4.24 433 8.67 519 16.57

6.55 9.25 11.37 12.14 15.03 15.80 17.53 21.39 22.16 25.24 30.25 32.95 34.87 43.35 46.63 58.00 70.52 74.76 83.43 100.00

310,963.11

131.17 0.04 0.04 145.82 0.00 0.05 148.17 0.00 0.05 151.24 0.00 0.05 160.71 0.00 0.05 162.67 0.00 0.05 169.00 0.00 0.05 216.78 0.02 0.07 227.61 0.00 0.07 265.61 0.01 0.09 300.02 0.01 0.10 324.46 0.01 0.10 352.51 0.01 0.11 542.01 0.06 0.17 641.47 0.03 0.21 1,244.08 0.19 0.40 2,031.08 0.25 0.65 3,599.98 0.50 1.16 6,086.02 0.80 1.96 310,963.11 98.04 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

1 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 4 10 16

1 6.25 6.25 1 0.00 6.25 1 0.00 6.25 1 0.00 6.25 1 0.00 6.25 1 0.00 6.25 1 0.00 6.25 1 0.00 6.25 1 0.00 6.25 2 6.25 12.50 2 0.00 12.50 2 0.00 12.50 2 0.00 12.50 2 0.00 12.50 2 0.00 12.50 2 0.00 12.50 2 0.00 12.50 2 0.00 12.50 6 25.00 37.50 16 62.50 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 394.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,820.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4,008.09 96,689.60 103,912.49

394.80 0.38 394.80 0.00 394.80 0.00 394.80 0.00 394.80 0.00 394.80 0.00 394.80 0.00 394.80 0.00 394.80 0.00 3,214.80 2.71 3,214.80 0.00 3,214.80 0.00 3,214.80 0.00 3,214.80 0.00 3,214.80 0.00 3,214.80 0.00 3,214.80 0.00 3,214.80 0.00 7,222.89 3.86 103,912.49 93.05

0.38 300.99 300.99 0.38 0.00 270.74 0.38 0.00 266.46 0.38 0.00 261.05 0.38 0.00 245.67 0.38 0.00 242.70 0.38 0.00 233.61 0.38 0.00 182.12 0.38 0.00 173.45 3.09 7421.1 1210.3 3.09 0.00 1071.5 3.09 0.00 990.81 3.09 0.00 911.98 3.09 0.00 593.13 3.09 0.00 501.16 3.09 0.00 258.41 3.09 0.00 158.28 3.09 0.00 89.30 6.95 161.22 118.68 100.00 31.71 33.42 33.42

Page 65 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 29

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2009

DATE

15/03/2010

Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotel, Entertainment, Sport and Services The Caring Services,

BAND

SUM INSURED Mid Points (In Million) From To

Motor Vehicle Repair Shop, Private Building, Propierty of Public Bodies NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

154,439 147,824 174,823 106,346 112,517 56,522 38,678 29,088 15,997 8,078 6,273 6,916 4,494 5,349 3,361 4,440 3,080 1,280 1,205 289

506 200 300 277 381 237 194 182 126 74 62 134 122 127 95 144 189 185 249 377

880,999

154,439 302,263 477,086 583,432 695,949 752,471 791,149 820,237 836,234 844,312 850,585 857,501 861,995 867,344 870,705 875,145 878,225 879,505 880,710 880,999

17.53 16.78 19.84 12.07 12.77 6.42 4.39 3.30 1.82 0.92 0.71 0.79 0.51 0.61 0.38 0.50 0.35 0.15 0.14 0.03

17.53 34.31 54.15 66.22 79.00 85.41 89.80 93.10 94.92 95.84 96.55 97.33 97.84 98.45 98.83 99.34 99.69 99.83 99.97 100.00

59,942.12 33,870.14 69,493.53 69,923.36 106,521.90 74,793.39 73,941.59 69,844.95 49,842.79 33,682.81 28,100.60 35,889.59 27,486.43 42,530.13 26,835.77 52,903.19 46,895.20 34,305.53 53,261.03 127,383.04 1,117,447.1

59,942.12 5.36 5.36 93,812.26 3.03 8.40 163,305.79 6.22 14.61 233,229.16 6.26 20.87 339,751.06 9.53 30.40 414,544.45 6.69 37.10 488,486.04 6.62 43.71 558,330.99 6.25 49.96 608,173.77 4.46 54.43 641,856.59 3.01 57.44 669,957.19 2.51 59.95 705,846.78 3.21 63.17 733,333.21 2.46 65.63 775,863.34 3.81 69.43 802,699.12 2.40 71.83 855,602.31 4.73 76.57 902,497.51 4.20 80.76 936,803.04 3.07 83.83 990,064.07 4.77 88.60 1,117,447.1 11.40 100.00

4,161

506 12.16 12.16 706 4.81 16.97 1,00 7.21 24.18 1,28 6.66 30.83 1,66 9.16 39.99 1,90 5.70 45.69 2,09 4.66 50.35 2,27 4.37 54.72 2,40 3.03 57.75 2,47 1.78 59.53 2,53 1.49 61.02 2,67 3.22 64.24 2,79 2.93 67.17 2,92 3.05 70.22 3,01 2.28 72.51 3,16 3.46 75.97 3,35 4.54 80.51 3,53 4.45 84.96 3,78 5.98 90.94 4,16 9.06 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 43,727.61 43,727.61 3.31 7,152.36 50,879.97 0.54 27,032.39 77,912.36 2.05 15,466.26 93,378.62 1.17 27,512.99 120,891.62 2.08 19,252.70 140,144.32 1.46 29,042.97 169,187.29 2.20 37,703.71 206,891.00 2.85 21,337.99 228,228.99 1.62 7,992.84 236,221.83 0.61 11,433.36 247,655.19 0.87 12,116.04 259,771.23 0.92 53,708.94 313,480.17 4.07 38,858.79 352,338.96 2.94 29,441.89 381,780.85 2.23 38,228.06 420,008.91 2.89 348,013.93 768,022.84 26.34 120,656.71 888,679.55 9.13 62,435.31 951,114.86 4.73 369,965.20 1,321,080.0 28.00 1,321,080.0

3.31 3.85 5.90 7.07 9.15 10.61 12.81 15.66 17.28 17.88 18.75 19.66 23.73 26.67 28.90 31.79 58.14 67.27 72.00 100.00

72.95 72.95 21.12 54.24 38.90 47.71 22.12 40.04 25.83 35.58 25.74 33.81 39.28 34.64 53.98 37.06 42.81 37.53 23.73 36.80 40.69 36.97 33.76 36.80 195.40 42.75 91.37 45.41 109.71 47.56 72.26 49.09 742.11 85.10 351.71 94.86 117.23 96.07 290.44 118.22 118.22

Page 66 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2009

DATE

15/03/2010

Estate Plantation Risk

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 26 8 17 9 8 14 7 4 6 4 2 3 3 2 3 2 3 0 0 0 121

26 21.49 34 6.61 51 14.05 60 7.44 68 6.61 82 11.57 89 5.79 93 3.31 99 4.96 103 3.31 105 1.65 108 2.48 111 2.48 113 1.65 116 2.48 118 1.65 121 2.48 121 0.00 121 0.00 121 0.00

21.49 28.10 42.15 49.59 56.20 67.77 73.55 76.86 81.82 85.12 86.78 89.26 91.74 93.39 95.87 97.52 100.00 100.00 100.00 100.00

30.98 3.51 29.73 14.42 19.55 25.61 26.55 41.56 48.69 33.49 3.00 17.44 29.56 32.57 54.19 147.45 497.33 0.00 0.00 0.00 1,055.63

30.98 2.93 2.93 34.49 0.33 3.27 64.22 2.82 6.08 78.64 1.37 7.45 98.19 1.85 9.30 123.80 2.43 11.73 150.35 2.52 14.24 191.91 3.94 18.18 240.60 4.61 22.79 274.09 3.17 25.96 277.09 0.28 26.25 294.53 1.65 27.90 324.09 2.80 30.70 356.66 3.09 33.79 410.85 5.13 38.92 558.30 13.97 52.89 1,055.63 47.11 100.00 1,055.63 0.00 100.00 1,055.63 0.00 100.00 1,055.63 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 1 0 0 0 1 0 0 0 1 0 0 4 0 0 0 0 7

0 0 0 0 1 1 1 1 2 2 2 2 3 3 3 7 7 7 7 7

0.00 0.00 0.00 0.00 14.29 0.00 0.00 0.00 14.29 0.00 0.00 0.00 14.29 0.00 0.00 57.14 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 14.29 14.29 14.29 14.29 28.57 28.57 28.57 28.57 42.86 42.86 42.86 100.00 100.00 100.00 100.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 3.10 0.00 0.00 0.00 1.89 0.00 0.00 0.00 9.28 0.00 0.00 111.01 0.00 0.00 0.00 0.00 125.29

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.10 2.48 3.10 0.00 3.10 0.00 3.10 0.00 5.00 1.51 5.00 0.00 5.00 0.00 5.00 0.00 14.28 7.41 14.28 0.00 14.28 0.00 125.29 88.60 125.29 0.00 125.29 0.00 125.29 0.00 125.29 0.00

0.00 0.00 0.00 0.00 2.48 2.48 2.48 2.48 3.99 3.99 3.99 3.99 11.40 11.40 11.40 100.00 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM 0.00 0.00 0.00 0.00 15.87 0.00 0.00 0.00 3.89 0.00 0.00 0.00 31.39 0.00 0.00 75.29 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 3.16 2.51 2.06 1.62 2.08 1.82 1.80 1.70 4.41 4.00 3.48 22.44 11.87 11.87 11.87 11.87

11.87

Page 67 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2009

DATE

15/03/2010

Estate Plantation Risk

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 30 8 15 8 30 21 26 28 30 22 28 45 35 60 42 71 94 76 24 21 714

30 4.20 38 1.12 53 2.10 61 1.12 91 4.20 112 2.94 138 3.64 166 3.92 196 4.20 218 3.08 246 3.92 291 6.30 326 4.90 386 8.40 428 5.88 499 9.94 593 13.17 669 10.64 693 3.36 714 2.94

4.20 5.32 7.42 8.54 12.75 15.69 19.33 23.25 27.45 30.53 34.45 40.76 45.66 54.06 59.94 69.89 83.05 93.70 97.06 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 306.63 0.61 9.71 4.59 31.77 222.72 20.72 318.97 48.14 35.52 70.96 74.87 17.99 128.63 108.83 554.70 2,343.07 1,152.92 94.78 89.37 5,635.51

306.63 5.44 5.44 307.24 0.01 5.45 316.95 0.17 5.62 321.54 0.08 5.71 353.30 0.56 6.27 576.02 3.95 10.22 596.75 0.37 10.59 915.72 5.66 16.25 963.85 0.85 17.10 999.38 0.63 17.73 1,070.34 1.26 18.99 1,145.21 1.33 20.32 1,163.20 0.32 20.64 1,291.83 2.28 22.92 1,400.66 1.93 24.85 1,955.36 9.84 34.70 4,298.43 41.58 76.27 5,451.35 20.46 96.73 5,546.14 1.68 98.41 5,635.51 1.59 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 0 0 0 0 22 0 35 0 0 0 1 0 2 0 4 7 6 2 0 80

1 1.25 1.25 1 0.00 1.25 1 0.00 1.25 1 0.00 1.25 1 0.00 1.25 23 27.50 28.75 23 0.00 28.75 58 43.75 72.50 58 0.00 72.50 58 0.00 72.50 58 0.00 72.50 59 1.25 73.75 59 0.00 73.75 61 2.50 76.25 61 0.00 76.25 65 5.00 81.25 72 8.75 90.00 78 7.50 97.50 80 2.50 100.00 80 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 19.83 0.00 0.00 0.00 0.00 465.72 0.00 705.45 0.00 0.00 0.00 6.34 0.00 471.33 0.00 2.94 270.20 338.17 45.94 0.00 2,325.94

19.83 19.83 19.83 19.83 19.83 485.55 485.55 1,191.01 1,191.01 1,191.01 1,191.01 1,197.35 1,197.35 1,668.68 1,668.68 1,671.62 1,941.83 2,279.99 2,325.94 2,325.94

0.85 0.00 0.00 0.00 0.00 20.02 0.00 30.33 0.00 0.00 0.00 0.27 0.00 20.26 0.00 0.13 11.62 14.54 1.98 0.00

0.85 6.47 6.47 0.85 0.00 6.46 0.85 0.00 6.26 0.85 0.00 6.17 0.85 0.00 5.61 20.88 209.10 84.29 20.88 0.00 81.37 51.21 221.17 130.06 51.21 0.00 123.57 51.21 0.00 119.17 51.21 0.00 111.27 51.48 8.47 104.55 51.48 0.00 102.94 71.74 366.41 129.17 71.74 0.00 119.14 71.87 0.53 85.49 83.49 11.53 45.18 98.02 29.33 41.82 100.00 48.47 41.94 100.00 0.00 41.27 41.27

Page 68 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 32

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2009

DATE

15/03/2010

Recreation Place

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 23 12 14 2 16 1 1 5 3 4 1 2 1 16 3 19 21 11 5 1

161

23 14.29 35 7.45 49 8.70 51 1.24 67 9.94 68 0.62 69 0.62 74 3.11 77 1.86 81 2.48 82 0.62 84 1.24 85 0.62 101 9.94 104 1.86 123 11.80 144 13.04 155 6.83 160 3.11 161 0.62

14.29 21.74 30.43 31.68 41.61 42.24 42.86 45.96 47.83 50.31 50.93 52.17 52.80 62.73 64.60 76.40 89.44 96.27 99.38 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 15.20 29.61 26.11 1.44 14.61 1.62 5.48 30.21 21.13 41.42 22.29 26.74 13.17 281.40 90.22 617.41 1,924.23 1,163.17 1,619.51 32.16 5,977.14

15.20 44.81 70.93 72.37 86.97 88.60 94.07 124.28 145.41 186.84 209.13 235.87 249.04 530.44 620.66 1,238.07 3,162.30 4,325.47 5,944.99 5,977.14

0.25 0.25 0.50 0.75 0.44 1.19 0.02 1.21 0.24 1.46 0.03 1.48 0.09 1.57 0.51 2.08 0.35 2.43 0.69 3.13 0.37 3.50 0.45 3.95 0.22 4.17 4.71 8.87 1.51 10.38 10.33 20.71 32.19 52.91 19.46 72.37 27.10 99.46 0.54 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 2 0 5 0 0 0 0 0 0 0 0 0 0 4 1 1 2 3 4 0 22

2 2 7 7 7 7 7 7 7 7 7 7 7 11 12 13 15 18 22 22

9.09 9.09 0.00 9.09 22.73 31.82 0.00 31.82 0.00 31.82 0.00 31.82 0.00 31.82 0.00 31.82 0.00 31.82 0.00 31.82 0.00 31.82 0.00 31.82 0.00 31.82 18.18 50.00 4.55 54.55 4.55 59.09 9.09 68.18 13.64 81.82 18.18 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.68 0.68 0.04 0.00 0.68 0.00 1.86 2.54 0.12 0.00 2.54 0.00 0.00 2.54 0.00 0.00 2.54 0.00 0.00 2.54 0.00 0.00 2.54 0.00 0.00 2.54 0.00 0.00 2.54 0.00 0.00 2.54 0.00 0.00 2.54 0.00 0.00 2.54 0.00 59.14 61.68 3.72 94.49 156.16 5.94 11.64 167.81 0.73 309.44 477.24 19.47 531.90 1,009.14 33.46 580.40 1,589.54 36.51 0.00 1,589.54 0.00 1,589.54

0.04 4.47 0.04 0.00 0.16 7.12 0.16 0.00 0.16 0.00 0.16 0.00 0.16 0.00 0.16 0.00 0.16 0.00 0.16 0.00 0.16 0.00 0.16 0.00 0.16 0.00 3.88 21.02 9.82 104.73 10.56 1.89 30.02 16.08 63.49 45.73 100.00 35.84 100.00 0.00

4.47 1.52 3.58 3.51 2.92 2.86 2.70 2.04 1.75 1.36 1.21 1.08 1.02 11.63 25.16 13.55 15.09 23.33 26.74 26.59

26.59

Page 69 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 40

DATA POSITION FROM

01/01/2007

15/12/2009

DATE

15/03/2010

PROCESSING

Non Estate Plantation Risk

BAND

SUM INSURED Mid Points (In Million) From To

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 852 63 65 27 28 15 10 9 4 2 6 10 6 12 7 20 8 14 7 0 1,165

852 73.13 915 5.41 980 5.58 1,007 2.32 1,035 2.40 1,050 1.29 1,060 0.86 1,069 0.77 1,073 0.34 1,075 0.17 1,081 0.52 1,091 0.86 1,097 0.52 1,109 1.03 1,116 0.60 1,136 1.72 1,144 0.69 1,158 1.20 1,165 0.60 1,165 0.00

73.13 78.54 84.12 86.44 88.84 90.13 90.99 91.76 92.10 92.27 92.79 93.65 94.16 95.19 95.79 97.51 98.20 99.40 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 285.04 33.50 50.18 45.37 43.81 32.07 16.54 24.47 16.07 14.95 68.57 94.16 82.42 230.52 345.30 787.55 277.95 252.82 3.90 0.00 2,705.17

285.04 318.54 368.72 414.09 457.90 489.97 506.51 530.98 547.04 561.99 630.56 724.71 807.14 1,037.65 1,382.96 2,170.51 2,448.46 2,701.27 2,705.17 2,705.17

10.54 10.54 1.24 11.78 1.85 13.63 1.68 15.31 1.62 16.93 1.19 18.11 0.61 18.72 0.90 19.63 0.59 20.22 0.55 20.77 2.53 23.31 3.48 26.79 3.05 29.84 8.52 38.36 12.76 51.12 29.11 80.24 10.27 90.51 9.35 99.86 0.14 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 1 1 0 5

2 2 2 2 2 2 2 2 2 2 2 3 3 3 3 3 3 4 5 5

40.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 20.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 20.00 80.00 20.00 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 70.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 96.16 0.00 0.00 0.00 0.00 0.00 1,857.41 11.11 0.00 2,034.70

70.01 3.44 70.01 0.00 70.01 0.00 70.01 0.00 70.01 0.00 70.01 0.00 70.01 0.00 70.01 0.00 70.01 0.00 70.01 0.00 70.01 0.00 166.18 4.73 166.18 0.00 166.18 0.00 166.18 0.00 166.18 0.00 166.18 0.00 2,023.59 91.29 2,034.70 0.55 2,034.70 0.00

3.44 24.56 3.44 0.00 3.44 0.00 3.44 0.00 3.44 0.00 3.44 0.00 3.44 0.00 3.44 0.00 3.44 0.00 3.44 0.00 3.44 0.00 8.17 102.13 8.17 0.00 8.17 0.00 8.17 0.00 8.17 0.00 8.17 0.00 99.45 734.68 100.00 284.93 100.00 0.00

24.56 21.98 18.99 16.91 15.29 14.29 13.82 13.19 12.80 12.46 11.10 22.93 20.59 16.01 12.02 7.66 6.79 74.91 75.22 75.22

75.22

Page 70 of 204

RISK AND LOSS PROFILE 2007 GROUP BY PROVINCE

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

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 01 - NANGROE ACEH DARUSSALAM

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,214 1,574 1,955 1,055 794 332 236 129 61 16 20 20 21 19 12 5 24 18 4 16 7,525

1,214 2,788 4,743 5,798 6,592 6,924 7,160 7,289 7,350 7,366 7,386 7,406 7,427 7,446 7,458 7,463 7,487 7,505 7,509 7,525

16.13 20.92 25.98 14.02 10.55 4.41 3.14 1.71 0.81 0.21 0.27 0.27 0.28 0.25 0.16 0.07 0.32 0.24 0.05 0.21

16.13 37.05 63.03 77.05 87.60 92.01 95.15 96.86 97.67 97.89 98.15 98.42 98.70 98.95 99.11 99.18 99.50 99.73 99.79 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 253.73 584.73 1,377.72 1,468.15 1,292.06 758.89 673.52 396.92 232.75 65.63 56.91 119.84 137.01 132.58 136.32 99.21 491.54 470.33 752.81 1,117.22 10,617.87

253.73 838.46 2,216.18 3,684.33 4,976.38 5,735.27 6,408.80 6,805.71 7,038.46 7,104.10 7,161.01 7,280.85 7,417.86 7,550.44 7,686.76 7,785.97 8,277.50 8,747.83 9,500.65 10,617.87

2.39 2.39 5.51 7.90 12.98 20.87 13.83 34.70 12.17 46.87 7.15 54.02 6.34 60.36 3.74 64.10 2.19 66.29 0.62 66.91 0.54 67.44 1.13 68.57 1.29 69.86 1.25 71.11 1.28 72.39 0.93 73.33 4.63 77.96 4.43 82.39 7.09 89.48 10.52 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 1 3 1 1 0 0 0 0 1 0 0 1 0 0 0 0 3 0 0 13

2 15.38 15.38 3 7.69 23.08 6 23.08 46.15 7 7.69 53.85 8 7.69 61.54 8 0.00 61.54 8 0.00 61.54 8 0.00 61.54 8 0.00 61.54 9 7.69 69.23 9 0.00 69.23 9 0.00 69.23 10 7.69 76.92 10 0.00 76.92 10 0.00 76.92 10 0.00 76.92 10 0.00 76.92 13 23.08 100.00 13 0.00 100.00 13 0.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 58.50 9.30 206.88 68.68 271.63 0.00 0.00 0.00 0.00 61.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 271.29 0.00 0.00 947.89

58.50 6.17 67.80 0.98 274.68 21.82 343.35 7.25 614.98 28.66 614.98 0.00 614.98 0.00 614.98 0.00 614.98 0.00 676.60 6.50 676.60 0.00 676.60 0.00 676.60 0.00 676.60 0.00 676.60 0.00 676.60 0.00 676.60 0.00 947.89 28.62 947.89 0.00 947.89 0.00

6.17 7.15 28.98 36.22 64.88 64.88 64.88 64.88 64.88 71.38 71.38 71.38 71.38 71.38 71.38 71.38 71.38 100.00 100.00 100.00

23.06 1.59 15.02 4.68 21.02 0.00 0.00 0.00 0.00 93.89 0.00 0.00 0.00 0.00 0.00 0.00 0.00 57.68 0.00 0.00

23.06 8.09 12.39 9.32 12.36 10.72 9.60 9.04 8.74 9.52 9.45 9.29 9.12 8.96 8.80 8.69 8.17 10.84 9.98 8.93

8.93

Page 71 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 02 - SUMATERA UTARA

BAND

SUM INSURED Mid Points (In Million) From To

TOTAL

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1 0 50 25 8,701 2 50 100 75 8,521 3 100 200 150 13,360 4 200 300 250 8,518 5 300 500 400 7,962 6 500 750 625 3,168 7 750 1,000 875 2,305 8 1,000 1,500 1,250 1,527 898 9 1,500 2,000 1,750 437 10 2,000 2,500 2,250 373 11 2,500 3,000 2,750 456 12 3,000 4,000 3,500 307 13 4,000 5,000 4,500 358 14 5,000 7,500 6,250 226 15 7,500 10,000 8,750 386 16 10,000 20,000 15,000 352 17 20,000 50,000 35,000 140 18 50,000 100,000 75,000 96 19 100,000 500,000 300,000 30 20 500,000 Up 58,121

8,701 17,222 30,582 39,100 47,062 50,230 52,535 54,062 54,960 55,397 55,770 56,226 56,533 56,891 57,117 57,503 57,855 57,995 58,091 58,121

14.97 14.66 22.99 14.66 13.70 5.45 3.97 2.63 1.55 0.75 0.64 0.78 0.53 0.62 0.39 0.66 0.61 0.24 0.17 0.05

DATA POSITION FROM

14.97 29.63 52.62 67.27 80.97 86.42 90.39 93.02 94.56 95.31 95.95 96.74 97.27 97.88 98.27 98.94 99.54 99.78 99.95 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,061.09 1,915.23 4,599.51 4,800.30 7,273.70 4,337.91 4,779.47 4,189.36 3,214.93 2,339.60 2,140.48 3,127.87 2,436.59 3,633.68 2,514.99 6,666.90 7,914.10 3,544.23 3,245.86 2,565.63 79,301.44

4,061.09 5,976.32 10,575.83 15,376.13 22,649.83 26,987.74 31,767.21 35,956.57 39,171.50 41,511.10 43,651.58 46,779.46 49,216.05 52,849.73 55,364.72 62,031.62 69,945.71 73,489.95 76,735.81 79,301.44

5.12 5.12 2.42 7.54 5.80 13.34 6.05 19.39 9.17 28.56 5.47 34.03 6.03 40.06 5.28 45.34 4.05 49.40 2.95 52.35 2.70 55.05 3.94 58.99 3.07 62.06 4.58 66.64 3.17 69.82 8.41 78.22 9.98 88.20 4.47 92.67 4.09 96.76 3.24 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 37 6 15 13 16 8 10 13 3 3 2 5 11 8 7 19 25 10 10 4

225

37 16.44 16.44 43 2.67 19.11 58 6.67 25.78 71 5.78 31.56 87 7.11 38.67 95 3.56 42.22 105 4.44 46.67 118 5.78 52.44 121 1.33 53.78 124 1.33 55.11 126 0.89 56.00 131 2.22 58.22 142 4.89 63.11 150 3.56 66.67 157 3.11 69.78 176 8.44 78.22 201 11.11 89.33 211 4.44 93.78 221 4.44 98.22 225 1.78 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 94,783.55 263.42 754.91 1,108.43 2,409.47 1,813.31 1,202.09 1,006.09 188.72 1,118.96 79.02 168.79 454.65 6,643.49 893.34 16,389.95 10,744.59 372.26 762.05 54.41 141,211.5

94,783.55 67.12 95,046.97 0.19 95,801.87 0.53 96,910.31 0.78 99,319.78 1.71 101,133.10 1.28 102,335.19 0.85 103,341.28 0.71 103,530.00 0.13 104,648.97 0.79 104,727.99 0.06 104,896.78 0.12 105,351.44 0.32 111,994.93 4.70 112,888.27 0.63 129,278.22 11.61 140,022.82 7.61 140,395.08 0.26 141,157.13 0.54 141,211.53 0.04

67.12 67.31 67.84 68.63 70.33 71.62 72.47 73.18 73.32 74.11 74.16 74.28 74.61 79.31 79.94 91.55 99.16 99.42 99.96 100.00

2333.9 13.75 16.41 23.09 33.13 41.80 25.15 24.02 5.87 47.83 3.69 5.40 18.66 182.83 35.52 245.84 135.77 10.50 23.48 2.12

2333.9 1590.3 905.86 630.26 438.50 374.74 322.14 287.41 264.30 252.10 239.92 224.24 214.06 211.91 203.90 208.41 200.19 191.04 183.95 178.07

178.07

Page 72 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 03 - SUMATERA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,856 4,439 6,002 3,318 2,790 1,019 889 561 311 158 155 186 136 122 73 111 74 37 29 7 23,273

2,856 7,295 13,297 16,615 19,405 20,424 21,313 21,874 22,185 22,343 22,498 22,684 22,820 22,942 23,015 23,126 23,200 23,237 23,266 23,273

12.27 19.07 25.79 14.26 11.99 4.38 3.82 2.41 1.34 0.68 0.67 0.80 0.58 0.52 0.31 0.48 0.32 0.16 0.12 0.03

12.27 31.35 57.13 71.39 83.38 87.76 91.58 93.99 95.33 96.00 96.67 97.47 98.05 98.58 98.89 99.37 99.69 99.85 99.97 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 900.14 866.61 1,875.01 1,603.17 2,654.59 1,467.18 1,866.37 1,492.38 868.27 596.78 469.39 710.58 518.87 571.60 357.42 1,298.33 1,200.87 747.79 1,391.37 86.61 21,543.33

900.14 4.18 4.18 1,766.75 4.02 8.20 3,641.76 8.70 16.90 5,244.93 7.44 24.35 7,899.52 12.32 36.67 9,366.70 6.81 43.48 11,233.07 8.66 52.14 12,725.44 6.93 59.07 13,593.72 4.03 63.10 14,190.50 2.77 65.87 14,659.89 2.18 68.05 15,370.47 3.30 71.35 15,889.33 2.41 73.76 16,460.93 2.65 76.41 16,818.35 1.66 78.07 18,116.69 6.03 84.09 19,317.56 5.57 89.67 20,065.35 3.47 93.14 21,456.72 6.46 99.60 21,543.33 0.40 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 6 14 15 21 8 18 2 9 3 11 9 10 9 6 8 10 8 1 0 174

6 3.45 3.45 12 3.45 6.90 26 8.05 14.94 41 8.62 23.56 62 12.07 35.63 70 4.60 40.23 88 10.34 50.57 90 1.15 51.72 99 5.17 56.90 102 1.72 58.62 113 6.32 64.94 122 5.17 70.11 132 5.75 75.86 141 5.17 81.03 147 3.45 84.48 155 4.60 89.08 165 5.75 94.83 173 4.60 99.43 174 0.57 100.00 174 0.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 724.93 148.10 6,062.40 502.65 2,509.01 431.76 417.54 332.85 317.10 23.85 1,897.22 3,128.94 252.35 1,036.22 826.23 213.57 8,553.36 1,620.74 19.02 0.00 29,017.83

724.93 2.50 873.03 0.51 6,935.43 20.89 7,438.07 1.73 9,947.09 8.65 10,378.85 1.49 10,796.39 1.44 11,129.24 1.15 11,446.34 1.09 11,470.18 0.08 13,367.40 6.54 16,496.34 10.78 16,748.69 0.87 17,784.91 3.57 18,611.14 2.85 18,824.71 0.74 27,378.07 29.48 28,998.81 5.59 29,017.83 0.07 29,017.83 0.00

2.50 3.01 23.90 25.63 34.28 35.77 37.21 38.35 39.45 39.53 46.07 56.85 57.72 61.29 64.14 64.87 94.35 99.93 100.00 100.00

80.53 17.09 323.33 31.35 94.52 29.43 22.37 22.30 36.52 4.00 404.19 440.34 48.63 181.28 231.17 16.45 712.26 216.74 1.37 0.00

80.53 49.41 190.44 141.81 125.92 110.81 96.11 87.46 84.20 80.83 91.18 107.32 105.41 108.04 110.66 103.91 141.73 144.52 135.24 134.70

134.70

Page 73 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 04 - RIAU

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

5,557 4,997 6,856 4,260 3,664 1,411 852 597 316 168 130 152 85 99 89 136 116 86 44 10

1,987.37 1,303.04 3,180.10 3,535.17 5,108.25 2,614.80 2,402.06 1,931.89 1,350.94 871.22 717.75 1,045.54 624.75 1,064.60 1,008.01 2,259.88 3,374.26 2,281.81 2,465.31 162.52

29,625

5,557 10,554 17,410 21,670 25,334 26,745 27,597 28,194 28,510 28,678 28,808 28,960 29,045 29,144 29,233 29,369 29,485 29,571 29,615 29,625

18.76 16.87 23.14 14.38 12.37 4.76 2.88 2.02 1.07 0.57 0.44 0.51 0.29 0.33 0.30 0.46 0.39 0.29 0.15 0.03

18.76 35.63 58.77 73.15 85.52 90.28 93.15 95.17 96.24 96.80 97.24 97.76 98.04 98.38 98.68 99.14 99.53 99.82 99.97 100.00

39,289.27

1,987.37 5.06 5.06 3,290.41 3.32 8.37 6,470.51 8.09 16.47 10,005.68 9.00 25.47 15,113.93 13.00 38.47 17,728.73 6.66 45.12 20,130.79 6.11 51.24 22,062.68 4.92 56.15 23,413.61 3.44 59.59 24,284.83 2.22 61.81 25,002.58 1.83 63.64 26,048.13 2.66 66.30 26,672.88 1.59 67.89 27,737.48 2.71 70.60 28,745.49 2.57 73.16 31,005.37 5.75 78.92 34,379.62 8.59 87.50 36,661.44 5.81 93.31 39,126.75 6.27 99.59 39,289.27 0.41 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 19 7 9 9 2 4 2 4 0 4 0 3 3 2 2 6 3 7 1 0 87

19 21.84 21.84 26 8.05 29.89 35 10.34 40.23 44 10.34 50.57 46 2.30 52.87 50 4.60 57.47 52 2.30 59.77 56 4.60 64.37 56 0.00 64.37 60 4.60 68.97 60 0.00 68.97 63 3.45 72.41 66 3.45 75.86 68 2.30 78.16 70 2.30 80.46 76 6.90 87.36 79 3.45 90.80 86 8.05 98.85 87 1.15 100.00 87 0.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3,965.96 651.00 701.64 1,136.54 546.78 127.30 288.39 57.13 0.00 86.05 0.00 415.02 1,011.16 1,313.97 136.22 1,811.56 1,908.22 1,388.74 370.99 0.00 15,916.67

3,965.96 24.92 4,616.96 4.09 5,318.60 4.41 6,455.14 7.14 7,001.92 3.44 7,129.22 0.80 7,417.62 1.81 7,474.75 0.36 7,474.75 0.00 7,560.80 0.54 7,560.80 0.00 7,975.82 2.61 8,986.98 6.35 10,300.94 8.26 10,437.16 0.86 12,248.72 11.38 14,156.94 11.99 15,545.68 8.73 15,916.67 2.33 15,916.67 0.00

24.92 199.56 199.56 29.01 49.96 140.32 33.42 22.06 82.20 40.56 32.15 64.51 43.99 10.70 46.33 44.79 4.87 40.21 46.60 12.01 36.85 46.96 2.96 33.88 46.96 0.00 31.92 47.50 9.88 31.13 47.50 0.00 30.24 50.11 39.69 30.62 56.46 161.85 33.69 64.72 123.42 37.14 65.57 13.51 36.31 76.96 80.16 39.51 88.94 56.55 41.18 97.67 60.86 42.40 100.00 15.05 40.68 100.00 0.00 40.51 40.51

Page 74 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 05 - JAMBI

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

2,488 2,455 2,783 1,461 1,205 451 271 202 93 52 48 39 33 33 20 30 30 24 13 3 11,734

2,488 4,943 7,726 9,187 10,392 10,843 11,114 11,316 11,409 11,461 11,509 11,548 11,581 11,614 11,634 11,664 11,694 11,718 11,731 11,734

DATA POSITION FROM

21.20 20.92 23.72 12.45 10.27 3.84 2.31 1.72 0.79 0.44 0.41 0.33 0.28 0.28 0.17 0.26 0.26 0.20 0.11 0.03

21.20 42.13 65.84 78.29 88.56 92.41 94.72 96.44 97.23 97.67 98.08 98.41 98.70 98.98 99.15 99.40 99.66 99.86 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 549.26 690.30 1,582.60 1,249.75 1,583.85 911.26 737.62 531.87 452.29 260.16 189.58 276.04 281.23 391.35 240.44 813.81 762.11 663.78 433.12 57.59 12,658.02

549.26 4.34 4.34 1,239.55 5.45 9.79 2,822.15 12.50 22.30 4,071.90 9.87 32.17 5,655.76 12.51 44.68 6,567.02 7.20 51.88 7,304.64 5.83 57.71 7,836.51 4.20 61.91 8,288.79 3.57 65.48 8,548.95 2.06 67.54 8,738.54 1.50 69.04 9,014.58 2.18 71.22 9,295.80 2.22 73.44 9,687.15 3.09 76.53 9,927.59 1.90 78.43 10,741.41 6.43 84.86 11,503.52 6.02 90.88 12,167.30 5.24 96.12 12,600.43 3.42 99.54 12,658.02 0.46 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 2 3 2 3 0 1 1 0 0 0 0 0 0 0 2 1 1 0 0 0 16

2 5 7 10 10 11 12 12 12 12 12 12 12 12 14 15 16 16 16 16

12.50 18.75 12.50 18.75 0.00 6.25 6.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.50 6.25 6.25 0.00 0.00 0.00

12.50 31.25 43.75 62.50 62.50 68.75 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 87.50 93.75 100.00 100.00 100.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 51.26 139.05 153.32 110.61 0.00 36.85 3.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00 423.29 26.51 37.00 0.00 0.00 0.00 981.84

51.26 190.30 343.62 454.22 454.22 491.08 495.04 495.04 495.04 495.04 495.04 495.04 495.04 495.04 918.33 944.84 981.84 981.84 981.84 981.84

5.22 14.16 15.62 11.27 0.00 3.75 0.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 43.11 2.70 3.77 0.00 0.00 0.00

5.22 9.33 19.38 20.14 35.00 9.69 46.26 8.85 46.26 0.00 50.02 4.04 50.42 0.54 50.42 0.00 50.42 0.00 50.42 0.00 50.42 0.00 50.42 0.00 50.42 0.00 50.42 0.00 93.53 176.05 96.23 3.26 100.00 4.85 100.00 0.00 100.00 0.00 100.00 0.00

9.33 15.35 12.18 11.16 8.03 7.48 6.78 6.32 5.97 5.79 5.66 5.49 5.33 5.11 9.25 8.80 8.54 8.07 7.79 7.76

7.76

Page 75 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 06 - SUMATERA SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,984 3,841 5,063 3,010 2,689 1,296 891 597 315 158 119 146 86 130 89 153 128 76 81 40 22,892

3,984 7,825 12,888 15,898 18,587 19,883 20,774 21,371 21,686 21,844 21,963 22,109 22,195 22,325 22,414 22,567 22,695 22,771 22,852 22,892

17.40 16.78 22.12 13.15 11.75 5.66 3.89 2.61 1.38 0.69 0.52 0.64 0.38 0.57 0.39 0.67 0.56 0.33 0.35 0.17

17.40 34.18 56.30 69.45 81.19 86.86 90.75 93.36 94.73 95.42 95.94 96.58 96.96 97.52 97.91 98.58 99.14 99.47 99.83 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

1,431.84 778.68 1,951.71 1,903.54 2,869.99 2,025.49 2,040.23 1,598.05 1,143.02 700.33 660.37 745.73 569.19 948.48 833.06 1,717.45 2,747.30 2,097.76 2,171.31 1,656.13

16 0 1 6 2 4 2 2 0 1 1 1 0 4 0 7 3 6 16 2

16 21.62 21.62 2,093.91 16 0.00 21.62 0.00 17 1.35 22.97 5.48 23 8.11 31.08 216.84 25 2.70 33.78 48.78 29 5.41 39.19 229.36 31 2.70 41.89 610.61 33 2.70 44.59 873.64 33 0.00 44.59 0.00 34 1.35 45.95 2,820.00 35 1.35 47.30 1,067.53 36 1.35 48.65 1.32 36 0.00 48.65 0.00 40 5.41 54.05 1,863.65 40 0.00 54.05 0.00 47 9.46 63.51 1,101.04 50 4.05 67.57 4,027.77 56 8.11 75.68 2,737.33 72 21.62 97.30 15,455.78 74 2.70 100.00 902.19

34,055.24

30,589.67

1,431.84 2,210.52 4,162.23 6,065.77 8,935.76 10,961.26 13,001.49 14,599.55 15,742.57 16,442.89 17,103.26 17,848.99 18,418.18 19,366.67 20,199.73 21,917.18 24,664.48 26,762.23 28,933.54 30,589.67

4.68 4.68 2.55 7.23 6.38 13.61 6.22 19.83 9.38 29.21 6.62 35.83 6.67 42.50 5.22 47.73 3.74 51.46 2.29 53.75 2.16 55.91 2.44 58.35 1.86 60.21 3.10 63.31 2.72 66.03 5.61 71.65 8.98 80.63 6.86 87.49 7.10 94.59 5.41 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,093.91 6.15 2,093.91 0.00 2,099.39 0.02 2,316.24 0.64 2,365.02 0.14 2,594.38 0.67 3,204.99 1.79 4,078.63 2.57 4,078.63 0.00 6,898.63 8.28 7,966.16 3.13 7,967.48 0.00 7,967.48 0.00 9,831.13 5.47 9,831.13 0.00 10,932.17 3.23 14,959.93 11.83 17,697.26 8.04 33,153.05 45.38 34,055.24 2.65

6.15 6.15 6.16 6.80 6.94 7.62 9.41 11.98 11.98 20.26 23.39 23.40 23.40 28.87 28.87 32.10 43.93 51.97 97.35 100.00

146.24 146.24 0.00 94.72 0.28 50.44 11.39 38.19 1.70 26.47 11.32 23.67 29.93 24.65 54.67 27.94 0.00 25.91 402.67 41.96 161.66 46.58 0.18 44.64 0.00 43.26 196.49 50.76 0.00 48.67 64.11 49.88 146.61 60.65 130.49 66.13 711.82 114.58 54.48 111.33 111.33

Page 76 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 07 - BENGKULU

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,613 1,546 1,367 756 569 223 117 70 40 17 22 20 7 15 13 9 15 2 2 2 6,425

1,613 3,159 4,526 5,282 5,851 6,074 6,191 6,261 6,301 6,318 6,340 6,360 6,367 6,382 6,395 6,404 6,419 6,421 6,423 6,425

DATA POSITION FROM

25.11 24.06 21.28 11.77 8.86 3.47 1.82 1.09 0.62 0.26 0.34 0.31 0.11 0.23 0.20 0.14 0.23 0.03 0.03 0.03

25.11 49.17 70.44 82.21 91.07 94.54 96.36 97.45 98.07 98.33 98.68 98.99 99.10 99.33 99.53 99.67 99.91 99.94 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 346.49 364.28 626.19 509.00 674.67 458.91 324.32 194.44 118.69 95.38 90.43 228.12 29.18 108.78 336.44 214.20 516.47 138.58 13.77 28.29 5,416.63

346.49 6.40 6.40 710.77 6.73 13.12 1,336.96 11.56 24.68 1,845.95 9.40 34.08 2,520.62 12.46 46.53 2,979.53 8.47 55.01 3,303.85 5.99 60.99 3,498.29 3.59 64.58 3,616.98 2.19 66.78 3,712.37 1.76 68.54 3,802.80 1.67 70.21 4,030.92 4.21 74.42 4,060.10 0.54 74.96 4,168.88 2.01 76.96 4,505.32 6.21 83.18 4,719.52 3.95 87.13 5,235.99 9.53 96.67 5,374.57 2.56 99.22 5,388.34 0.25 99.48 5,416.63 0.52 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 7 2 8 1 7 4 1 1 1 0 1 1 1 1 1 2 1 0 3 0 43

7 16.28 16.28 9 4.65 20.93 17 18.60 39.53 18 2.33 41.86 25 16.28 58.14 29 9.30 67.44 30 2.33 69.77 31 2.33 72.09 32 2.33 74.42 32 0.00 74.42 33 2.33 76.74 34 2.33 79.07 35 2.33 81.40 36 2.33 83.72 37 2.33 86.05 39 4.65 90.70 40 2.33 93.02 40 0.00 93.02 43 6.98 100.00 43 0.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 521.54 373.20 335.86 4.90 465.58 1,222.98 948.15 10.79 11.25 0.00 6.68 62.10 12.50 15.33 233.59 115.73 169.93 0.00 133.86 0.00 4,643.98

521.54 894.75 1,230.61 1,235.51 1,701.09 2,924.07 3,872.22 3,883.00 3,894.25 3,894.25 3,900.94 3,963.04 3,975.54 3,990.87 4,224.46 4,340.19 4,510.12 4,510.12 4,643.98 4,643.98

11.23 8.04 7.23 0.11 10.03 26.33 20.42 0.23 0.24 0.00 0.14 1.34 0.27 0.33 5.03 2.49 3.66 0.00 2.88 0.00

11.23 19.27 26.50 26.60 36.63 62.96 83.38 83.61 83.86 83.86 84.00 85.34 85.61 85.94 90.97 93.46 97.12 97.12 100.00 100.00

150.52 102.45 53.64 0.96 69.01 266.50 292.35 5.55 9.48 0.00 7.39 27.22 42.84 14.10 69.43 54.03 32.90 0.00 972.26 0.00

150.52 125.88 92.05 66.93 67.49 98.14 117.20 111.00 107.67 104.90 102.58 98.32 97.92 95.73 93.77 91.96 86.14 83.92 86.19 85.74

85.74

Page 77 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 08 - LAMPUNG

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,486 3,127 3,508 1,894 2,000 927 615 482 258 132 123 116 110 112 88 156 142 108 63 25 16,472

2,486 5,613 9,121 11,015 13,015 13,942 14,557 15,039 15,297 15,429 15,552 15,668 15,778 15,890 15,978 16,134 16,276 16,384 16,447 16,472

DATA POSITION FROM

15.09 18.98 21.30 11.50 12.14 5.63 3.73 2.93 1.57 0.80 0.75 0.70 0.67 0.68 0.53 0.95 0.86 0.66 0.38 0.15

15.09 34.08 55.37 66.87 79.01 84.64 88.37 91.30 92.87 93.67 94.41 95.12 95.79 96.47 97.00 97.95 98.81 99.47 99.85 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,369.36 530.81 1,188.79 1,193.74 2,017.37 1,357.62 1,363.15 1,447.40 1,046.13 605.01 545.57 610.62 678.19 845.31 878.04 2,778.54 2,939.01 1,817.18 4,175.89 1,924.45 29,312.19

1,369.36 4.67 4.67 1,900.17 1.81 6.48 3,088.96 4.06 10.54 4,282.70 4.07 14.61 6,300.07 6.88 21.49 7,657.68 4.63 26.12 9,020.84 4.65 30.78 10,468.24 4.94 35.71 11,514.38 3.57 39.28 12,119.39 2.06 41.35 12,664.96 1.86 43.21 13,275.58 2.08 45.29 13,953.77 2.31 47.60 14,799.08 2.88 50.49 15,677.13 3.00 53.48 18,455.66 9.48 62.96 21,394.68 10.03 72.99 23,211.86 6.20 79.19 27,387.75 14.25 93.43 29,312.19 6.57 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

17 2 1 2 5 3 2 3 3 2 2 1 2 3 3 7 12 5 2 1

17 21.79 21.79 6,143.55 19 2.56 24.36 57.33 20 1.28 25.64 42.23 22 2.56 28.21 290.70 27 6.41 34.62 344.94 30 3.85 38.46 141.49 32 2.56 41.03 91.56 35 3.85 44.87 335.37 38 3.85 48.72 264.97 40 2.56 51.28 1,334.93 42 2.56 53.85 82.00 43 1.28 55.13 109.86 45 2.56 57.69 370.27 48 3.85 61.54 12,124.73 51 3.85 65.38 172.42 58 8.97 74.36 5,416.48 70 15.38 89.74 941.64 75 6.41 96.15 2,362.95 77 2.56 98.72 251.57 78 1.28 100.00 95.42

30,974.40

6,143.55 19.83 6,200.88 0.19 6,243.11 0.14 6,533.81 0.94 6,878.74 1.11 7,020.23 0.46 7,111.79 0.30 7,447.16 1.08 7,712.14 0.86 9,047.06 4.31 9,129.06 0.26 9,238.92 0.35 9,609.19 1.20 21,733.93 39.14 21,906.34 0.56 27,322.82 17.49 28,264.46 3.04 30,627.42 7.63 30,878.98 0.81 30,974.40 0.31

19.83 20.02 20.16 21.09 22.21 22.66 22.96 24.04 24.90 29.21 29.47 29.83 31.02 70.17 70.72 88.21 91.25 98.88 99.69 100.00

448.64 10.80 3.55 24.35 17.10 10.42 6.72 23.17 25.33 220.64 15.03 17.99 54.60 1434.3 19.64 194.94 32.04 130.03 6.02 4.96

448.64 326.33 202.11 152.56 109.19 91.68 78.84 71.14 66.98 74.65 72.08 69.59 68.86 146.86 139.73 148.05 132.11 131.95 112.75 105.67

105.67

Page 78 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 09 - DKI JAKARTA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 23,346 16,973 31,742 26,978 36,440 20,215 14,648 11,229 6,199 3,261 2,517 2,846 1,886 2,280 1,466 2,080 1,567 703 850 344 207,57

23,346 40,319 72,061 99,039 135,47 155,69 170,34 181,57 187,77 191,03 193,54 196,39 198,28 200,56 202,02 204,10 205,67 206,37 207,22 207,57

11.25 8.18 15.29 13.00 17.56 9.74 7.06 5.41 2.99 1.57 1.21 1.37 0.91 1.10 0.71 1.00 0.75 0.34 0.41 0.17

DATA POSITION FROM

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

11.25 21,785.34 19.42 4,171.52 34.72 10,299.39 47.71 13,249.34 65.27 26,120.78 75.01 20,769.91 82.06 21,513.08 87.47 22,487.45 90.46 17,035.91 92.03 14,472.04 93.24 9,939.25 94.62 13,886.99 95.52 11,121.42 96.62 15,631.80 97.33 11,723.79 98.33 24,209.01 99.09 22,468.02 99.42 16,463.13 99.83 31,769.07 100.00 400,552.31 729,669.56

21,785.34 2.99 2.99 25,956.86 0.57 3.56 36,256.25 1.41 4.97 49,505.59 1.82 6.78 75,626.37 3.58 10.36 96,396.28 2.85 13.21 117,909.36 2.95 16.16 140,396.81 3.08 19.24 157,432.72 2.33 21.58 171,904.77 1.98 23.56 181,844.02 1.36 24.92 195,731.01 1.90 26.82 206,852.43 1.52 28.35 222,484.23 2.14 30.49 234,208.02 1.61 32.10 258,417.03 3.32 35.42 280,885.05 3.08 38.49 297,348.18 2.26 40.75 329,117.25 4.35 45.10 729,669.56 54.90 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 211 54 89 93 173 114 92 125 75 41 38 39 74 75 44 73 97 70 193 315 2,085

211 10.12 10.12 265 2.59 12.71 354 4.27 16.98 447 4.46 21.44 620 8.30 29.74 734 5.47 35.20 826 4.41 39.62 951 6.00 45.61 1,02 3.60 49.21 1,06 1.97 51.18 1,10 1.82 53.00 1,14 1.87 54.87 1,21 3.55 58.42 1,29 3.60 62.01 1,33 2.11 64.12 1,41 3.50 67.63 1,50 4.65 72.28 1,57 3.36 75.64 1,77 9.26 84.89 2,08 15.11 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 22,641.64 1,520.33 3,737.25 3,865.93 7,429.30 7,155.15 10,253.90 29,646.72 10,717.71 5,118.37 8,853.68 7,577.72 48,622.18 15,618.72 23,963.45 18,455.81 351,555.8 91,205.79 58,450.67 186,073.5 912,463.7

22,641.64 2.48 24,161.97 0.17 27,899.23 0.41 31,765.15 0.42 39,194.45 0.81 46,349.61 0.78 56,603.51 1.12 86,250.22 3.25 96,967.93 1.17 102,086.3 0.56 110,939.9 0.97 118,517.7 0.83 167,139.8 5.33 182,758.6 1.71 206,722.0 2.63 225,177.8 2.02 576,733.7 38.53 667,939.5 10.00 726,390.1 6.41 912,463.7 20.39

2.48 2.65 3.06 3.48 4.30 5.08 6.20 9.45 10.63 11.19 12.16 12.99 18.32 20.03 22.66 24.68 63.21 73.20 79.61 100.00

103.93 36.45 36.29 29.18 28.44 34.45 47.66 131.84 62.91 35.37 89.08 54.57 437.19 99.92 204.40 76.24 1564.6 554.00 183.99 46.45

103.93 93.09 76.95 64.16 51.83 48.08 48.01 61.43 61.59 59.39 61.01 60.55 80.80 82.14 88.26 87.14 205.33 224.63 220.71 125.05

125.05

Page 79 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 10 - JAWA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 27,453 25,938 27,717 15,461 14,925 7,678 5,187 4,242 2,426 1,363 1,179 1,339 967 1,421 995 1,811 1,644 878 947 311 143,88

27,453 53,391 81,108 96,569 111,494 119,172 124,359 128,601 131,027 132,390 133,569 134,908 135,875 137,296 138,291 140,102 141,746 142,624 143,571 143,882

DATA POSITION FROM

19.08 18.03 19.26 10.75 10.37 5.34 3.61 2.95 1.69 0.95 0.82 0.93 0.67 0.99 0.69 1.26 1.14 0.61 0.66 0.22

19.08 37.11 56.37 67.12 77.49 82.83 86.43 89.38 91.07 92.01 92.83 93.76 94.44 95.42 96.11 97.37 98.52 99.13 99.78 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

14,454.37 5,770.90 10,140.57 9,099.67 13,353.20 9,860.01 9,757.07 10,004.31 8,174.41 5,086.64 5,279.93 6,898.71 5,861.73 11,057.88 8,735.26 21,992.45 25,189.17 18,501.68 17,239.95 17,347.86

173 173 16.60 16.60 54,375.68 27 200 2.59 19.19 6,655.10 48 248 4.61 23.80 1,342.67 50 298 4.80 28.60 2,084.60 40 338 3.84 32.44 1,566.96 31 369 2.98 35.41 4,136.31 31 400 2.98 38.39 4,621.57 18 418 1.73 40.12 3,424.91 23 441 2.21 42.32 7,507.88 13 454 1.25 43.57 1,583.61 9 463 0.86 44.43 1,114.57 21 484 2.02 46.45 1,705.91 30 514 2.88 49.33 2,409.14 36 550 3.45 52.78 9,275.71 36 586 3.45 56.24 11,391.12 78 664 7.49 63.72 13,293.83 68 732 6.53 70.25 7,767.60 78 810 7.49 77.74 25,654.01 102 912 9.79 87.52 30,801.22 130 1,042 12.48 100.00 364,346.80

233,805.78

14,454.37 6.18 6.18 20,225.27 2.47 8.65 30,365.84 4.34 12.99 39,465.51 3.89 16.88 52,818.72 5.71 22.59 62,678.73 4.22 26.81 72,435.80 4.17 30.98 82,440.11 4.28 35.26 90,614.52 3.50 38.76 95,701.16 2.18 40.93 100,981.09 2.26 43.19 107,879.79 2.95 46.14 113,741.52 2.51 48.65 124,799.41 4.73 53.38 133,534.67 3.74 57.11 155,527.12 9.41 66.52 180,716.29 10.77 77.29 199,217.97 7.91 85.21 216,457.92 7.37 92.58 233,805.78 7.42 100.00

1,042

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

555,059.16

54,375.68 9.80 61,030.77 1.20 62,373.44 0.24 64,458.04 0.38 66,025.00 0.28 70,161.31 0.75 74,782.88 0.83 78,207.79 0.62 85,715.67 1.35 87,299.28 0.29 88,413.85 0.20 90,119.76 0.31 92,528.89 0.43 101,804.60 1.67 113,195.72 2.05 126,489.54 2.40 134,257.14 1.40 159,911.15 4.62 190,712.36 5.55 555,059.16 65.64

9.80 11.00 11.24 11.61 11.90 12.64 13.47 14.09 15.44 15.73 15.93 16.24 16.67 18.34 20.39 22.79 24.19 28.81 34.36 100.00

376.19 115.32 13.24 22.91 11.73 41.95 47.37 34.23 91.85 31.13 21.11 24.73 41.10 83.88 130.40 60.45 30.84 138.66 178.66 2100.2

376.19 301.76 205.41 163.33 125.00 111.94 103.24 94.87 94.59 91.22 87.55 83.54 81.35 81.57 84.77 81.33 74.29 80.27 88.11 237.40

237.40

Page 80 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 11 - JAWA TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 23,486 15,062 13,087 6,521 6,712 3,782 2,545 2,223 1,294 716 624 708 503 658 397 654 522 220 250 88 80,052

23,486 29.34 29.34 38,548 18.82 48.15 51,635 16.35 64.50 58,156 8.15 72.65 64,868 8.38 81.03 68,650 4.72 85.76 71,195 3.18 88.94 73,418 2.78 91.71 74,712 1.62 93.33 75,428 0.89 94.22 76,052 0.78 95.00 76,760 0.88 95.89 77,263 0.63 96.52 77,921 0.82 97.34 78,318 0.50 97.83 78,972 0.82 98.65 79,494 0.65 99.30 79,714 0.27 99.58 79,964 0.31 99.89 80,052 0.11 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5,453.73 5,453.73 4,782.24 10,235.97 4,862.15 15,098.11 4,009.81 19,107.93 6,644.05 25,751.98 5,065.61 30,817.59 4,631.44 35,449.02 5,409.92 40,858.94 4,207.81 45,066.76 2,734.35 47,801.11 2,704.85 50,505.96 3,798.20 54,304.15 3,375.27 57,679.42 9,369.45 67,048.87 3,648.75 70,697.62 8,139.94 78,837.56 8,395.10 87,232.65 3,971.78 91,204.43 4,598.20 95,802.63 9,733.17 105,535.81 105,535.81

5.17 5.17 4.53 9.70 4.61 14.31 3.80 18.11 6.30 24.40 4.80 29.20 4.39 33.59 5.13 38.72 3.99 42.70 2.59 45.29 2.56 47.86 3.60 51.46 3.20 54.65 8.88 63.53 3.46 66.99 7.71 74.70 7.95 82.66 3.76 86.42 4.36 90.78 9.22 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 76 14 28 8 24 13 19 19 10 13 6 15 22 12 18 34 63 25 16 18 453

76 16.78 16.78 90 3.09 19.87 118 6.18 26.05 126 1.77 27.81 150 5.30 33.11 163 2.87 35.98 182 4.19 40.18 201 4.19 44.37 211 2.21 46.58 224 2.87 49.45 230 1.32 50.77 245 3.31 54.08 267 4.86 58.94 279 2.65 61.59 297 3.97 65.56 331 7.51 73.07 394 13.91 86.98 419 5.52 92.49 435 3.53 96.03 453 3.97 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 7,242.12 149.31 650.47 789.72 810.90 2,140.06 2,106.71 1,770.64 1,844.27 1,857.41 506.45 1,854.87 4,198.06 572.60 2,627.07 10,425.56 3,800.60 2,454.09 59,606.87 -4,914.13 100,493.63

7,242.12 7.21 7,391.43 0.15 8,041.90 0.65 8,831.62 0.79 9,642.53 0.81 11,782.58 2.13 13,889.29 2.10 15,659.92 1.76 17,504.19 1.84 19,361.60 1.85 19,868.05 0.50 21,722.92 1.85 25,920.98 4.18 26,493.57 0.57 29,120.65 2.61 39,546.21 10.37 43,346.80 3.78 45,800.89 2.44 105,407.77 59.31 100,493.63 -4.89

7.21 7.36 8.00 8.79 9.60 11.72 13.82 15.58 17.42 19.27 19.77 21.62 25.79 26.36 28.98 39.35 43.13 45.58 104.89 100.00

132.79 3.12 13.38 19.69 12.20 42.25 45.49 32.73 43.83 67.93 18.72 48.84 124.38 6.11 72.00 128.08 45.27 61.79 1296.3 -50.49

132.79 72.21 53.26 46.22 37.44 38.23 39.18 38.33 38.84 40.50 39.34 40.00 44.94 39.51 41.19 50.16 49.69 50.22 110.03 95.22

95.22

Page 81 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 12 - DI YOGYAKARTA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,274 1,891 1,925 1,064 1,058 623 445 308 222 126 93 96 71 80 53 92 60 29 15 4 10,529

2,274 4,165 6,090 7,154 8,212 8,835 9,280 9,588 9,810 9,936 10,029 10,125 10,196 10,276 10,329 10,421 10,481 10,510 10,525 10,529

21.60 17.96 18.28 10.11 10.05 5.92 4.23 2.93 2.11 1.20 0.88 0.91 0.67 0.76 0.50 0.87 0.57 0.28 0.14 0.04

DATA POSITION FROM

21.60 39.56 57.84 67.95 77.99 83.91 88.14 91.06 93.17 94.37 95.25 96.16 96.84 97.60 98.10 98.97 99.54 99.82 99.96 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 584.94 381.14 723.65 572.31 937.50 753.21 792.94 686.55 566.98 360.38 363.58 385.81 374.12 593.50 448.18 1,867.74 567.68 580.68 138.54 -58.78 11,620.65

584.94 5.03 5.03 966.09 3.28 8.31 1,689.73 6.23 14.54 2,262.04 4.92 19.47 3,199.54 8.07 27.53 3,952.75 6.48 34.01 4,745.70 6.82 40.84 5,432.24 5.91 46.75 5,999.22 4.88 51.63 6,359.60 3.10 54.73 6,723.18 3.13 57.86 7,108.99 3.32 61.18 7,483.11 3.22 64.39 8,076.61 5.11 69.50 8,524.79 3.86 73.36 10,392.53 16.07 89.43 10,960.21 4.89 94.32 11,540.89 5.00 99.31 11,679.43 1.19 100.51 11,620.65 -0.51 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

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

2 6.45 6.45 286.50 3 3.23 9.68 7.64 5 6.45 16.13 127.29 8 9.68 25.81 15.35 13 16.13 41.94 15.42 16 9.68 51.61 590.26 18 6.45 58.06 184.60 19 3.23 61.29 1.10 22 9.68 70.97 91.54 22 0.00 70.97 0.00 22 0.00 70.97 0.00 23 3.23 74.19 50.00 23 0.00 74.19 0.00 24 3.23 77.42 8.11 25 3.23 80.65 201.50 27 6.45 87.10 149.60 28 3.23 90.32 33,930.00 31 9.68 100.00 559.59 31 0.00 100.00 0.00 31 0.00 100.00 0.00

36,218.50

286.50 0.79 294.14 0.02 421.43 0.35 436.78 0.04 452.20 0.04 1,042.46 1.63 1,227.05 0.51 1,228.15 0.00 1,319.69 0.25 1,319.69 0.00 1,319.69 0.00 1,369.69 0.14 1,369.69 0.00 1,377.80 0.02 1,579.30 0.56 1,728.91 0.41 35,658.91 93.68 36,218.50 1.55 36,218.50 0.00 36,218.50 0.00

0.79 48.98 48.98 0.81 2.00 30.45 1.16 17.59 24.94 1.21 2.68 19.31 1.25 1.64 14.13 2.88 78.37 26.37 3.39 23.28 25.86 3.39 0.16 22.61 3.64 16.15 22.00 3.64 0.00 20.75 3.64 0.00 19.63 3.78 12.96 19.27 3.78 0.00 18.30 3.80 1.37 17.06 4.36 44.96 18.53 4.77 8.01 16.64 98.45 5977.0 325.35 100.00 96.37 313.83 100.00 0.00 310.11 100.00 0.00 311.67 311.67

Page 82 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 13 - JAWA TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 19,748 17,489 18,114 10,578 11,901 6,702 4,808 4,217 2,561 1,402 1,088 1,261 864 1,138 757 1,221 897 408 377 147 105,678

19,748 37,237 55,351 65,929 77,830 84,532 89,340 93,557 96,118 97,520 98,608 99,869 100,73 101,87 102,62 103,84 104,74 105,15 105,53 105,67

DATA POSITION FROM

18.69 18.69 16.55 35.24 17.14 52.38 10.01 62.39 11.26 73.65 6.34 79.99 4.55 84.54 3.99 88.53 2.42 90.95 1.33 92.28 1.03 93.31 1.19 94.50 0.82 95.32 1.08 96.40 0.72 97.11 1.16 98.27 0.85 99.12 0.39 99.50 0.36 99.86 0.14 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

16,046.38 3,376.24 6,510.55 6,252.15 10,592.22 8,182.51 8,108.49 10,372.55 7,591.70 5,212.06 6,564.74 7,090.64 5,656.07 9,275.14 8,040.27 17,874.74 19,484.18 8,098.61 6,929.41 2,788.18

65 12 13 13 27 42 16 53 9 10 14 50 13 21 17 34 47 32 45 24

174,046.84

16,046.38 9.22 9.22 19,422.62 1.94 11.16 25,933.17 3.74 14.90 32,185.33 3.59 18.49 42,777.55 6.09 24.58 50,960.06 4.70 29.28 59,068.55 4.66 33.94 69,441.10 5.96 39.90 77,032.80 4.36 44.26 82,244.86 2.99 47.25 88,809.60 3.77 51.03 95,900.24 4.07 55.10 101,556.31 3.25 58.35 110,831.45 5.33 63.68 118,871.72 4.62 68.30 136,746.46 10.27 78.57 156,230.64 11.19 89.76 164,329.25 4.65 94.42 171,258.66 3.98 98.40 174,046.84 1.60 100.00

557

65 11.67 11.67 77 2.15 13.82 90 2.33 16.16 103 2.33 18.49 130 4.85 23.34 172 7.54 30.88 188 2.87 33.75 241 9.52 43.27 250 1.62 44.88 260 1.80 46.68 274 2.51 49.19 324 8.98 58.17 337 2.33 60.50 358 3.77 64.27 375 3.05 67.32 409 6.10 73.43 456 8.44 81.87 488 5.75 87.61 533 8.08 95.69 557 4.31 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 26,680.46 329.86 585.76 1,159.05 3,076.86 1,629.59 2,500.24 2,197.25 1,912.08 191.03 1,105.16 2,462.31 2,662.42 5,338.62 8,713.84 34,732.04 39,677.73 86,082.65 25,645.26 27,164.18 273,846.41

26,680.46 9.74 27,010.33 0.12 27,596.08 0.21 28,755.14 0.42 31,832.00 1.12 33,461.59 0.60 35,961.83 0.91 38,159.08 0.80 40,071.16 0.70 40,262.19 0.07 41,367.35 0.40 43,829.66 0.90 46,492.08 0.97 51,830.70 1.95 60,544.54 3.18 95,276.58 12.68 134,954.31 14.49 221,036.97 31.43 246,682.23 9.36 273,846.41 9.92

9.74 9.86 10.08 10.50 11.62 12.22 13.13 13.93 14.63 14.70 15.11 16.01 16.98 18.93 22.11 34.79 49.28 80.72 90.08 100.00

166.27 9.77 9.00 18.54 29.05 19.92 30.83 21.18 25.19 3.67 16.83 34.73 47.07 57.56 108.38 194.31 203.64 1062.9 370.09 974.26

166.27 139.07 106.41 89.34 74.41 65.66 60.88 54.95 52.02 48.95 46.58 45.70 45.78 46.77 50.93 69.67 86.38 134.51 144.04 157.34

157.34

Page 83 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 14 - KALIMANTAN BARAT

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,609 8,478 7,636 2,483 1,980 675 443 296 133 81 66 82 55 59 23 56 40 21 20 8 28,244

5,609 19.86 14,087 30.02 21,723 27.04 24,206 8.79 26,186 7.01 26,861 2.39 27,304 1.57 27,600 1.05 27,733 0.47 27,814 0.29 27,880 0.23 27,962 0.29 28,017 0.19 28,076 0.21 28,099 0.08 28,155 0.20 28,195 0.14 28,216 0.07 28,236 0.07 28,244 0.03

19.86 49.88 76.91 85.70 92.71 95.10 96.67 97.72 98.19 98.48 98.71 99.00 99.20 99.41 99.49 99.68 99.83 99.90 99.97 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,823.95 4,198.27 7,225.33 7,324.74 4,632.58 2,129.18 1,644.56 1,494.89 870.32 473.97 594.16 823.24 742.00 819.33 319.24 1,274.97 1,066.56 371.37 573.02 48.12 39,449.82

2,823.95 7,022.22 14,247.56 21,572.30 26,204.88 28,334.06 29,978.62 31,473.52 32,343.84 32,817.81 33,411.97 34,235.21 34,977.21 35,796.54 36,115.78 37,390.75 38,457.31 38,828.68 39,401.70 39,449.82

7.16 7.16 10.64 17.80 18.32 36.12 18.57 54.68 11.74 66.43 5.40 71.82 4.17 75.99 3.79 79.78 2.21 81.99 1.20 83.19 1.51 84.69 2.09 86.78 1.88 88.66 2.08 90.74 0.81 91.55 3.23 94.78 2.70 97.48 0.94 98.43 1.45 99.88 0.12 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 22 40 38 13 11 5 2 2 1 0 1 1 0 0 0 0 1 0 0 0 137

22 16.06 16.06 62 29.20 45.26 100 27.74 72.99 113 9.49 82.48 124 8.03 90.51 129 3.65 94.16 131 1.46 95.62 133 1.46 97.08 134 0.73 97.81 134 0.00 97.81 135 0.73 98.54 136 0.73 99.27 136 0.00 99.27 136 0.00 99.27 136 0.00 99.27 136 0.00 99.27 137 0.73 100.00 137 0.00 100.00 137 0.00 100.00 137 0.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 7,285.63 2,059.58 4,788.53 2,772.16 3,541.62 577.25 1,207.04 1,302.05 2.31 0.00 268.22 11.71 0.00 0.00 0.00 0.00 5.59 0.00 0.00 0.00 23,821.67

7,285.63 9,345.20 14,133.73 16,905.89 20,447.51 21,024.76 22,231.79 23,533.85 23,536.15 23,536.15 23,804.37 23,816.08 23,816.08 23,816.08 23,816.08 23,816.08 23,821.67 23,821.67 23,821.67 23,821.67

30.58 8.65 20.10 11.64 14.87 2.42 5.07 5.47 0.01 0.00 1.13 0.05 0.00 0.00 0.00 0.00 0.02 0.00 0.00 0.00

30.58 257.99 257.99 39.23 49.06 133.08 59.33 66.27 99.20 70.97 37.85 78.37 85.84 76.45 78.03 88.26 27.11 74.20 93.33 73.40 74.16 98.79 87.10 74.77 98.80 0.26 72.77 98.80 0.00 71.72 99.93 45.14 71.25 99.98 1.42 69.57 99.98 0.00 68.09 99.98 0.00 66.53 99.98 0.00 65.94 99.98 0.00 63.70 100.00 0.52 61.94 100.00 0.00 61.35 100.00 0.00 60.46 100.00 0.00 60.38 60.38

Page 84 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 15 - KALIMANTAN TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,365 1,578 1,245 606 655 302 167 113 79 46 20 31 14 24 22 23 14 18 6 7 7,335

2,365 32.24 3,943 21.51 5,188 16.97 5,794 8.26 6,449 8.93 6,751 4.12 6,918 2.28 7,031 1.54 7,110 1.08 7,156 0.63 7,176 0.27 7,207 0.42 7,221 0.19 7,245 0.33 7,267 0.30 7,290 0.31 7,304 0.19 7,322 0.25 7,328 0.08 7,335 0.10

32.24 53.76 70.73 78.99 87.92 92.04 94.31 95.86 96.93 97.56 97.83 98.25 98.45 98.77 99.07 99.39 99.58 99.82 99.90 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 467.47 534.03 836.96 766.75 1,130.55 723.48 494.20 466.76 444.41 207.58 138.73 247.60 184.85 221.79 392.36 413.51 1,128.77 266.21 143.46 42.41 9,251.88

467.47 5.05 5.05 1,001.50 5.77 10.82 1,838.46 9.05 19.87 2,605.21 8.29 28.16 3,735.76 12.22 40.38 4,459.23 7.82 48.20 4,953.43 5.34 53.54 5,420.19 5.05 58.58 5,864.61 4.80 63.39 6,072.19 2.24 65.63 6,210.92 1.50 67.13 6,458.51 2.68 69.81 6,643.36 2.00 71.81 6,865.15 2.40 74.20 7,257.52 4.24 78.44 7,671.02 4.47 82.91 8,799.80 12.20 95.11 9,066.01 2.88 97.99 9,209.47 1.55 99.54 9,251.88 0.46 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 5 2 2 1 0 0 0 0 3 0 1 1 1 0 3 3 3 0 0 26

1 6 8 10 11 11 11 11 11 14 14 15 16 17 17 20 23 26 26 26

3.85 3.85 19.23 23.08 7.69 30.77 7.69 38.46 3.85 42.31 0.00 42.31 0.00 42.31 0.00 42.31 0.00 42.31 11.54 53.85 0.00 53.85 3.85 57.69 3.85 61.54 3.85 65.38 0.00 65.38 11.54 76.92 11.54 88.46 11.54 100.00 0.00 100.00 0.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2.28 232.80 70.89 160.41 292.28 0.00 0.00 0.00 0.00 392.80 0.00 96.16 3.90 14.40 0.00 2.37 137.85 31.34 0.00 0.00 1,437.48

2.28 235.08 305.97 466.38 758.65 758.65 758.65 758.65 758.65 1,151.45 1,151.45 1,247.61 1,251.51 1,265.91 1,265.91 1,268.29 1,406.14 1,437.48 1,437.48 1,437.48

0.16 16.19 4.93 11.16 20.33 0.00 0.00 0.00 0.00 27.33 0.00 6.69 0.27 1.00 0.00 0.17 9.59 2.18 0.00 0.00

0.16 0.49 16.35 43.59 21.28 8.47 32.44 20.92 52.78 25.85 52.78 0.00 52.78 0.00 52.78 0.00 52.78 0.00 80.10 189.23 80.10 0.00 86.79 38.84 87.06 2.11 88.06 6.49 88.06 0.00 88.23 0.57 97.82 12.21 100.00 11.77 100.00 0.00 100.00 0.00

0.49 23.47 16.64 17.90 20.31 17.01 15.32 14.00 12.94 18.96 18.54 19.32 18.84 18.44 17.44 16.53 15.98 15.86 15.61 15.54

15.54

Page 85 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 16 - KALIMANTAN SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,228 2,918 2,709 1,371 1,276 782 443 314 187 125 80 119 55 85 67 78 47 40 40 22 13,986

3,228 23.08 6,146 20.86 8,855 19.37 10,226 9.80 11,502 9.12 12,284 5.59 12,727 3.17 13,041 2.25 13,228 1.34 13,353 0.89 13,433 0.57 13,552 0.85 13,607 0.39 13,692 0.61 13,759 0.48 13,837 0.56 13,884 0.34 13,924 0.29 13,964 0.29 13,986 0.16

23.08 43.94 63.31 73.12 82.24 87.83 91.00 93.24 94.58 95.47 96.05 96.90 97.29 97.90 98.38 98.93 99.27 99.56 99.84 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,018.41 812.37 1,158.47 903.10 1,497.99 1,548.24 1,173.85 1,028.83 754.39 653.38 368.15 692.56 330.51 708.99 718.82 1,486.81 766.64 708.78 853.25 365.47 17,549.02

1,018.41 1,830.79 2,989.26 3,892.35 5,390.35 6,938.58 8,112.43 9,141.26 9,895.65 10,549.04 10,917.18 11,609.74 11,940.26 12,649.25 13,368.07 14,854.89 15,621.53 16,330.31 17,183.55 17,549.02

5.80 5.80 4.63 10.43 6.60 17.03 5.15 22.18 8.54 30.72 8.82 39.54 6.69 46.23 5.86 52.09 4.30 56.39 3.72 60.11 2.10 62.21 3.95 66.16 1.88 68.04 4.04 72.08 4.10 76.18 8.47 84.65 4.37 89.02 4.04 93.06 4.86 97.92 2.08 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 5 6 3 5 2 2 4 0 1 0 0 0 0 1 0 1 1 1 4 1 37

5 11 14 19 21 23 27 27 28 28 28 28 28 29 29 30 31 32 36 37

13.51 13.51 16.22 29.73 8.11 37.84 13.51 51.35 5.41 56.76 5.41 62.16 10.81 72.97 0.00 72.97 2.70 75.68 0.00 75.68 0.00 75.68 0.00 75.68 0.00 75.68 2.70 78.38 0.00 78.38 2.70 81.08 2.70 83.78 2.70 86.49 10.81 97.30 2.70 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 60.59 369.97 249.04 459.96 16.42 396.42 1,990.09 0.00 1,274.43 0.00 0.00 0.00 0.00 10.15 0.00 19.74 432.40 120.87 808.57 4,368.93 10,577.59

60.59 0.57 430.56 3.50 679.61 2.35 1,139.57 4.35 1,155.99 0.16 1,552.41 3.75 3,542.50 18.81 3,542.50 0.00 4,816.93 12.05 4,816.93 0.00 4,816.93 0.00 4,816.93 0.00 4,816.93 0.00 4,827.08 0.10 4,827.08 0.00 4,846.82 0.19 5,279.22 4.09 5,400.09 1.14 6,208.66 7.64 10,577.59 41.30

0.57 5.95 4.07 45.54 6.42 21.50 10.77 50.93 10.93 1.10 14.68 25.60 33.49 169.54 33.49 0.00 45.54 168.94 45.54 0.00 45.54 0.00 45.54 0.00 45.54 0.00 45.63 1.43 45.63 0.00 45.82 1.33 49.91 56.40 51.05 17.05 58.70 94.76 100.00 1195.4

5.95 23.52 22.74 29.28 21.45 22.37 43.67 38.75 48.68 45.66 44.12 41.49 40.34 38.16 36.11 32.63 33.79 33.07 36.13 60.27

60.27

Page 86 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 17 - KALIMANTAN TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,715 3,709 4,609 2,847 3,270 1,617 1,132 720 458 166 173 155 97 134 93 134 94 44 53 59 22,279

2,715 6,424 11,033 13,880 17,150 18,767 19,899 20,619 21,077 21,243 21,416 21,571 21,668 21,802 21,895 22,029 22,123 22,167 22,220 22,279

12.19 16.65 20.69 12.78 14.68 7.26 5.08 3.23 2.06 0.75 0.78 0.70 0.44 0.60 0.42 0.60 0.42 0.20 0.24 0.26

12.19 28.83 49.52 62.30 76.98 84.24 89.32 92.55 94.60 95.35 96.13 96.82 97.26 97.86 98.28 98.88 99.30 99.50 99.74 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,370.94 874.90 2,230.00 2,194.24 5,019.09 3,211.06 3,297.34 2,665.07 2,211.60 830.16 1,017.29 1,177.34 754.65 1,377.55 810.80 1,857.69 2,337.71 1,504.55 6,291.32 2,534.16 43,567.45

1,370.94 3.15 3.15 2,245.84 2.01 5.15 4,475.84 5.12 10.27 6,670.08 5.04 15.31 11,689.17 11.52 26.83 14,900.23 7.37 34.20 18,197.56 7.57 41.77 20,862.64 6.12 47.89 23,074.24 5.08 52.96 23,904.40 1.91 54.87 24,921.69 2.33 57.20 26,099.03 2.70 59.90 26,853.68 1.73 61.64 28,231.23 3.16 64.80 29,042.03 1.86 66.66 30,899.72 4.26 70.92 33,237.43 5.37 76.29 34,741.98 3.45 79.74 41,033.30 14.44 94.18 43,567.45 5.82 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 23 4 8 5 10 3 3 2 3 0 0 4 1 1 3 3 3 4 4 3 87

23 26.44 26.44 27 4.60 31.03 35 9.20 40.23 40 5.75 45.98 50 11.49 57.47 53 3.45 60.92 56 3.45 64.37 58 2.30 66.67 61 3.45 70.11 61 0.00 70.11 61 0.00 70.11 65 4.60 74.71 66 1.15 75.86 67 1.15 77.01 70 3.45 80.46 73 3.45 83.91 76 3.45 87.36 80 4.60 91.95 84 4.60 96.55 87 3.45 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 1,094.61 102.83 760.26 655.60 1,013.79 674.40 1,758.16 141.27 975.88 0.00 0.00 332.51 72.01 14.92 597.15 102.84 1,079.30 1,009.06 887.53 299.15 11,571.29

1,094.61 9.46 1,197.44 0.89 1,957.71 6.57 2,613.31 5.67 3,627.10 8.76 4,301.50 5.83 6,059.66 15.19 6,200.93 1.22 7,176.81 8.43 7,176.81 0.00 7,176.81 0.00 7,509.33 2.87 7,581.34 0.62 7,596.26 0.13 8,193.41 5.16 8,296.25 0.89 9,375.55 9.33 10,384.61 8.72 11,272.14 7.67 11,571.29 2.59

9.46 10.35 16.92 22.58 31.35 37.17 52.37 53.59 62.02 62.02 62.02 64.90 65.52 65.65 70.81 71.70 81.02 89.74 97.41 100.00

79.84 11.75 34.09 29.88 20.20 21.00 53.32 5.30 44.13 0.00 0.00 28.24 9.54 1.08 73.65 5.54 46.17 67.07 14.11 11.80

79.84 53.32 43.74 39.18 31.03 28.87 33.30 29.72 31.10 30.02 28.80 28.77 28.23 26.91 28.21 26.85 28.21 29.89 27.47 26.56

26.56

Page 87 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 18 - SULAWESI UTARA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,369 1,618 2,175 1,187 1,309 728 559 491 266 147 82 125 59 107 68 70 30 10 7 3 10,410

1,369 2,987 5,162 6,349 7,658 8,386 8,945 9,436 9,702 9,849 9,931 10,056 10,115 10,222 10,290 10,360 10,390 10,400 10,407 10,410

13.15 15.54 20.89 11.40 12.57 6.99 5.37 4.72 2.56 1.41 0.79 1.20 0.57 1.03 0.65 0.67 0.29 0.10 0.07 0.03

DATA POSITION FROM

13.15 28.69 49.59 60.99 73.56 80.56 85.93 90.64 93.20 94.61 95.40 96.60 97.17 98.19 98.85 99.52 99.81 99.90 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 371.59 381.05 814.23 720.95 1,359.31 1,304.20 1,357.69 1,579.12 1,153.79 701.46 383.99 771.40 523.49 918.25 815.60 804.66 357.72 245.96 69.46 41.16 14,675.07

371.59 2.53 2.53 752.64 2.60 5.13 1,566.87 5.55 10.68 2,287.82 4.91 15.59 3,647.13 9.26 24.85 4,951.33 8.89 33.74 6,309.02 9.25 42.99 7,888.14 10.76 53.75 9,041.92 7.86 61.61 9,743.38 4.78 66.39 10,127.37 2.62 69.01 10,898.77 5.26 74.27 11,422.26 3.57 77.83 12,340.51 6.26 84.09 13,156.11 5.56 89.65 13,960.77 5.48 95.13 14,318.49 2.44 97.57 14,564.45 1.68 99.25 14,633.91 0.47 99.72 14,675.07 0.28 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 3 0 3 5 3 1 0 1 0 1 1 0 0 0 0 2 0 1 0 1 22

3 3 6 11 14 15 15 16 16 17 18 18 18 18 18 20 20 21 21 22

13.64 13.64 0.00 13.64 13.64 27.27 22.73 50.00 13.64 63.64 4.55 68.18 0.00 68.18 4.55 72.73 0.00 72.73 4.55 77.27 4.55 81.82 0.00 81.82 0.00 81.82 0.00 81.82 0.00 81.82 9.09 90.91 0.00 90.91 4.55 95.45 0.00 95.45 4.55 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 62.75 0.00 6,129.71 351.25 1,050.26 20.05 0.00 18.16 0.00 1,611.43 39.20 0.00 0.00 0.00 0.00 217.98 0.00 195.75 0.00 50.00 9,746.54

62.75 0.64 62.75 0.00 6,192.46 62.89 6,543.71 3.60 7,593.97 10.78 7,614.02 0.21 7,614.02 0.00 7,632.18 0.19 7,632.18 0.00 9,243.61 16.53 9,282.81 0.40 9,282.81 0.00 9,282.81 0.00 9,282.81 0.00 9,282.81 0.00 9,500.79 2.24 9,500.79 0.00 9,696.54 2.01 9,696.54 0.00 9,746.54 0.51

0.64 16.89 16.89 0.64 0.00 8.34 63.54 752.82 395.21 67.14 48.72 286.02 77.91 77.26 208.22 78.12 1.54 153.78 78.12 0.00 120.68 78.31 1.15 96.76 78.31 0.00 84.41 94.84 229.73 94.87 95.24 10.21 91.66 95.24 0.00 85.17 95.24 0.00 81.27 95.24 0.00 75.22 95.24 0.00 70.56 97.48 27.09 68.05 97.48 0.00 66.35 99.49 79.59 66.58 99.49 0.00 66.26 100.00 121.48 66.42 66.42

Page 88 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 19 - SULAWESI TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,183 1,312 1,313 698 740 414 257 272 124 71 52 49 36 39 16 29 20 6 5 3 6,639

1,183 2,495 3,808 4,506 5,246 5,660 5,917 6,189 6,313 6,384 6,436 6,485 6,521 6,560 6,576 6,605 6,625 6,631 6,636 6,639

17.82 19.76 19.78 10.51 11.15 6.24 3.87 4.10 1.87 1.07 0.78 0.74 0.54 0.59 0.24 0.44 0.30 0.09 0.08 0.05

DATA POSITION FROM

17.82 37.58 57.36 67.87 79.02 85.25 89.12 93.22 95.09 96.16 96.94 97.68 98.22 98.81 99.05 99.49 99.79 99.88 99.95 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 187.10 347.11 689.28 706.63 1,215.00 1,008.22 993.00 1,220.15 686.09 469.12 330.91 491.28 251.96 376.25 353.73 579.95 249.34 24.19 50.33 28.48 10,258.13

187.10 1.82 1.82 534.22 3.38 5.21 1,223.50 6.72 11.93 1,930.13 6.89 18.82 3,145.13 11.84 30.66 4,153.35 9.83 40.49 5,146.35 9.68 50.17 6,366.50 11.89 62.06 7,052.59 6.69 68.75 7,521.70 4.57 73.32 7,852.62 3.23 76.55 8,343.90 4.79 81.34 8,595.86 2.46 83.80 8,972.11 3.67 87.46 9,325.84 3.45 90.91 9,905.79 5.65 96.57 10,155.13 2.43 99.00 10,179.32 0.24 99.23 10,229.65 0.49 99.72 10,258.13 0.28 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 1 0 0 0 0 0 0 2 0 0 0 0 0 0 1 0 0 0 0 4

0 0.00 0.00 1 25.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 3 50.00 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 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

01/01/2007

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 27.08 0.00 0.00 0.00 0.00 0.00 0.00 152.43 0.00 0.00 0.00 0.00 0.00 0.00 305.78 0.00 0.00 0.00 0.00 485.29

0.00 0.00 27.08 5.58 27.08 0.00 27.08 0.00 27.08 0.00 27.08 0.00 27.08 0.00 27.08 0.00 179.51 31.41 179.51 0.00 179.51 0.00 179.51 0.00 179.51 0.00 179.51 0.00 179.51 0.00 485.29 63.01 485.29 0.00 485.29 0.00 485.29 0.00 485.29 0.00

0.00 5.58 5.58 5.58 5.58 5.58 5.58 5.58 36.99 36.99 36.99 36.99 36.99 36.99 36.99 100.00 100.00 100.00 100.00 100.00

0.00 7.80 0.00 0.00 0.00 0.00 0.00 0.00 22.22 0.00 0.00 0.00 0.00 0.00 0.00 52.72 0.00 0.00 0.00 0.00

0.00 5.07 2.21 1.40 0.86 0.65 0.53 0.43 2.55 2.39 2.29 2.15 2.09 2.00 1.92 4.90 4.78 4.77 4.74 4.73

4.73

Page 89 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 20 - SULAWESI SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,221 6,166 5,812 3,246 2,943 1,330 871 698 380 207 161 190 137 129 107 137 117 31 29 17 27,929

5,221 11,387 17,199 20,445 23,388 24,718 25,589 26,287 26,667 26,874 27,035 27,225 27,362 27,491 27,598 27,735 27,852 27,883 27,912 27,929

18.69 22.08 20.81 11.62 10.54 4.76 3.12 2.50 1.36 0.74 0.58 0.68 0.49 0.46 0.38 0.49 0.42 0.11 0.10 0.06

18.69 40.77 61.58 73.20 83.74 88.50 91.62 94.12 95.48 96.22 96.80 97.48 97.97 98.43 98.81 99.31 99.72 99.84 99.94 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,100.12 1,613.74 2,782.69 2,971.26 4,192.32 2,868.94 2,387.08 2,360.47 1,657.42 894.76 912.83 1,376.32 947.32 1,179.12 1,156.08 1,848.83 2,500.90 789.72 620.24 7,283.26 41,443.43

1,100.12 2.65 2.65 2,713.86 3.89 6.55 5,496.56 6.71 13.26 8,467.81 7.17 20.43 12,660.13 10.12 30.55 15,529.07 6.92 37.47 17,916.15 5.76 43.23 20,276.62 5.70 48.93 21,934.04 4.00 52.93 22,828.81 2.16 55.08 23,741.64 2.20 57.29 25,117.96 3.32 60.61 26,065.27 2.29 62.89 27,244.40 2.85 65.74 28,400.48 2.79 68.53 30,249.31 4.46 72.99 32,750.21 6.03 79.02 33,539.93 1.91 80.93 34,160.17 1.50 82.43 41,443.43 17.57 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 4 1 2 5 6 0 3 6 2 2 1 0 1 2 2 3 1 4 2 2 49

4 8.16 8.16 5 2.04 10.20 7 4.08 14.29 12 10.20 24.49 18 12.24 36.73 18 0.00 36.73 21 6.12 42.86 27 12.24 55.10 29 4.08 59.18 31 4.08 63.27 32 2.04 65.31 32 0.00 65.31 33 2.04 67.35 35 4.08 71.43 37 4.08 75.51 40 6.12 81.63 41 2.04 83.67 45 8.16 91.84 47 4.08 95.92 49 4.08 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 922.46 100.00 115.89 322.41 256.26 0.00 1,787.57 2,603.79 79.71 51.27 7.48 0.00 758.94 83.79 268.08 1,232.93 60.50 265.75 307.95 502.19 9,726.98

922.46 9.48 1,022.46 1.03 1,138.35 1.19 1,460.77 3.31 1,717.02 2.63 1,717.02 0.00 3,504.59 18.38 6,108.38 26.77 6,188.09 0.82 6,239.36 0.53 6,246.84 0.08 6,246.84 0.00 7,005.78 7.80 7,089.57 0.86 7,357.65 2.76 8,590.59 12.68 8,651.09 0.62 8,916.84 2.73 9,224.79 3.17 9,726.98 5.16

9.48 83.85 10.51 6.20 11.70 4.16 15.02 10.85 17.65 6.11 17.65 0.00 36.03 74.89 62.80 110.31 63.62 4.81 64.14 5.73 64.22 0.82 64.22 0.00 72.02 80.11 72.89 7.11 75.64 23.19 88.32 66.69 88.94 2.42 91.67 33.65 94.84 49.65 100.00 6.90

83.85 37.68 20.71 17.25 13.56 11.06 19.56 30.13 28.21 27.33 26.31 24.87 26.88 26.02 25.91 28.40 26.42 26.59 27.00 23.47

23.47

Page 90 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 21 - SULAWESI TENGGARA

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 610 809 860 528 542 266 158 120 41 31 13 26 15 11 9 8 8 1 3 3 4,062

610 1,419 2,279 2,807 3,349 3,615 3,773 3,893 3,934 3,965 3,978 4,004 4,019 4,030 4,039 4,047 4,055 4,056 4,059 4,062

15.02 19.92 21.17 13.00 13.34 6.55 3.89 2.95 1.01 0.76 0.32 0.64 0.37 0.27 0.22 0.20 0.20 0.02 0.07 0.07

15.02 34.93 56.11 69.10 82.45 89.00 92.89 95.84 96.85 97.61 97.93 98.57 98.94 99.21 99.43 99.63 99.83 99.85 99.93 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 107.22 157.21 404.49 538.71 867.39 683.91 505.03 562.47 190.70 176.08 54.78 168.30 82.96 86.71 10.92 76.16 167.34 0.31 24.14 68.87 4,933.69

107.22 264.43 668.92 1,207.64 2,075.03 2,758.93 3,263.96 3,826.43 4,017.14 4,193.22 4,247.99 4,416.29 4,499.25 4,585.95 4,596.87 4,673.03 4,840.37 4,840.68 4,864.83 4,933.69

2.17 2.17 3.19 5.36 8.20 13.56 10.92 24.48 17.58 42.06 13.86 55.92 10.24 66.16 11.40 77.56 3.87 81.42 3.57 84.99 1.11 86.10 3.41 89.51 1.68 91.19 1.76 92.95 0.22 93.17 1.54 94.72 3.39 98.11 0.01 98.11 0.49 98.60 1.40 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 2 1 1 1 0 0 1 0 0 0 0 0 0 1 0 0 0 0 0 1 8

2 3 4 5 5 5 6 6 6 6 6 6 6 7 7 7 7 7 7 8

25.00 25.00 12.50 37.50 12.50 50.00 12.50 62.50 0.00 62.50 0.00 62.50 12.50 75.00 0.00 75.00 0.00 75.00 0.00 75.00 0.00 75.00 0.00 75.00 0.00 75.00 12.50 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 12.50 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 10.47 68.10 19.24 14.90 0.00 0.00 26.67 0.00 0.00 0.00 0.00 0.00 0.00 2,982.75 0.00 0.00 0.00 0.00 0.00 600.00 3,722.12

10.47 0.28 78.57 1.83 97.81 0.52 112.71 0.40 112.71 0.00 112.71 0.00 139.38 0.72 139.38 0.00 139.38 0.00 139.38 0.00 139.38 0.00 139.38 0.00 139.38 0.00 3,122.12 80.14 3,122.12 0.00 3,122.12 0.00 3,122.12 0.00 3,122.12 0.00 3,122.12 0.00 3,722.12 16.12

0.28 9.77 2.11 43.32 2.63 4.76 3.03 2.77 3.03 0.00 3.03 0.00 3.74 5.28 3.74 0.00 3.74 0.00 3.74 0.00 3.74 0.00 3.74 0.00 3.74 0.00 83.88 3440.0 83.88 0.00 83.88 0.00 83.88 0.00 83.88 0.00 83.88 0.00 100.00 871.26

9.77 29.71 14.62 9.33 5.43 4.09 4.27 3.64 3.47 3.32 3.28 3.16 3.10 68.08 67.92 66.81 64.50 64.50 64.18 75.44

75.44

Page 91 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 22 - BALI

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,141 2,857 3,023 2,000 2,298 1,433 1,208 1,062 655 375 290 318 175 249 133 176 144 42 45 11 19,635

DATA POSITION FROM

3,141 5,998 9,021 11,021 13,319 14,752 15,960 17,022 17,677 18,052 18,342 18,660 18,835 19,084 19,217 19,393 19,537 19,579 19,624 19,635

16.00 14.55 15.40 10.19 11.70 7.30 6.15 5.41 3.34 1.91 1.48 1.62 0.89 1.27 0.68 0.90 0.73 0.21 0.23 0.06

16.00 30.55 45.94 56.13 67.83 75.13 81.28 86.69 90.03 91.94 93.41 95.03 95.93 97.19 97.87 98.77 99.50 99.71 99.94 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,322.84 532.69 1,128.37 1,180.75 2,220.81 1,945.13 2,166.94 2,652.24 1,875.04 1,437.85 1,137.42 1,991.14 1,087.73 1,990.73 1,301.05 2,165.83 2,328.00 663.37 715.06 3,582.64 33,425.64

1,322.84 3.96 3.96 1,855.53 1.59 5.55 2,983.90 3.38 8.93 4,164.65 3.53 12.46 6,385.47 6.64 19.10 8,330.60 5.82 24.92 10,497.53 6.48 31.41 13,149.77 7.93 39.34 15,024.81 5.61 44.95 16,462.66 4.30 49.25 17,600.08 3.40 52.65 19,591.22 5.96 58.61 20,678.95 3.25 61.87 22,669.68 5.96 67.82 23,970.73 3.89 71.71 26,136.56 6.48 78.19 28,464.56 6.96 85.16 29,127.94 1.98 87.14 29,843.00 2.14 89.28 33,425.64 10.72 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 14 5 1 2 3 8 1 8 9 6 2 9 4 8 3 10 16 9 7 13 138

14 10.14 10.14 19 3.62 13.77 20 0.72 14.49 22 1.45 15.94 25 2.17 18.12 33 5.80 23.91 34 0.72 24.64 42 5.80 30.43 51 6.52 36.96 57 4.35 41.30 59 1.45 42.75 68 6.52 49.28 72 2.90 52.17 80 5.80 57.97 83 2.17 60.14 93 7.25 67.39 109 11.59 78.99 118 6.52 85.51 125 5.07 90.58 138 9.42 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3,591.88 108.03 1.12 132.51 509.50 264.18 205.06 319.81 2,813.34 239.80 13.56 486.81 76.68 887.94 84.25 60.85 382.29 1,334.97 1,147.92 1,741.48 14,401.97

3,591.88 24.94 3,699.91 0.75 3,701.03 0.01 3,833.53 0.92 4,343.03 3.54 4,607.21 1.83 4,812.27 1.42 5,132.08 2.22 7,945.41 19.53 8,185.21 1.67 8,198.78 0.09 8,685.59 3.38 8,762.27 0.53 9,650.20 6.17 9,734.45 0.58 9,795.30 0.42 10,177.59 2.65 11,512.56 9.27 12,660.49 7.97 14,401.97 12.09

24.94 25.69 25.70 26.62 30.16 31.99 33.41 35.63 55.17 56.83 56.93 60.31 60.84 67.01 67.59 68.01 70.67 79.94 87.91 100.00

271.53 271.53 20.28 199.40 0.10 124.03 11.22 92.05 22.94 68.01 13.58 55.30 9.46 45.84 12.06 39.03 150.04 52.88 16.68 49.72 1.19 46.58 24.45 44.33 7.05 42.37 44.60 42.57 6.48 40.61 2.81 37.48 16.42 35.76 201.24 39.52 160.53 42.42 48.61 43.09 43.09

Page 92 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 23 - NUSA TENGGARA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,261 1,484 1,478 659 576 351 179 164 97 37 33 43 23 24 13 17 18 4 6 1 6,468

1,261 2,745 4,223 4,882 5,458 5,809 5,988 6,152 6,249 6,286 6,319 6,362 6,385 6,409 6,422 6,439 6,457 6,461 6,467 6,468

19.50 22.94 22.85 10.19 8.91 5.43 2.77 2.54 1.50 0.57 0.51 0.66 0.36 0.37 0.20 0.26 0.28 0.06 0.09 0.02

19.50 42.44 65.29 75.48 84.38 89.81 92.58 95.11 96.61 97.19 97.70 98.36 98.72 99.09 99.29 99.55 99.83 99.89 99.98 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 599.39 318.62 710.77 544.25 802.90 712.44 488.04 505.71 327.95 191.54 185.52 223.48 136.26 623.22 67.64 176.62 291.63 16.12 2,186.39 0.00 9,108.50

599.39 6.58 6.58 918.01 3.50 10.08 1,628.78 7.80 17.88 2,173.03 5.98 23.86 2,975.93 8.81 32.67 3,688.37 7.82 40.49 4,176.41 5.36 45.85 4,682.13 5.55 51.40 5,010.08 3.60 55.00 5,201.61 2.10 57.11 5,387.13 2.04 59.14 5,610.61 2.45 61.60 5,746.87 1.50 63.09 6,370.09 6.84 69.94 6,437.73 0.74 70.68 6,614.36 1.94 72.62 6,905.98 3.20 75.82 6,922.10 0.18 76.00 9,108.50 24.00 100.00 9,108.50 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 3 3 2 0 1 4 1 0 0 0 0 0 0 49 0 1 7 0 0 0 71

3 4.23 4.23 6 4.23 8.45 8 2.82 11.27 8 0.00 11.27 9 1.41 12.68 13 5.63 18.31 14 1.41 19.72 14 0.00 19.72 14 0.00 19.72 14 0.00 19.72 14 0.00 19.72 14 0.00 19.72 14 0.00 19.72 63 69.01 88.73 63 0.00 88.73 64 1.41 90.14 71 9.86 100.00 71 0.00 100.00 71 0.00 100.00 71 0.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 23.49 66.25 242.89 0.00 15.75 1,089.17 40.86 0.00 0.00 0.00 0.00 0.00 0.00 144.35 0.00 8.81 265.58 0.00 0.00 0.00 1,897.16

23.49 1.24 89.74 3.49 332.63 12.80 332.63 0.00 348.38 0.83 1,437.56 57.41 1,478.42 2.15 1,478.42 0.00 1,478.42 0.00 1,478.42 0.00 1,478.42 0.00 1,478.42 0.00 1,478.42 0.00 1,622.77 7.61 1,622.77 0.00 1,631.57 0.46 1,897.16 14.00 1,897.16 0.00 1,897.16 0.00 1,897.16 0.00

1.24 3.92 4.73 20.79 17.53 34.17 17.53 0.00 18.36 1.96 75.77 152.88 77.93 8.37 77.93 0.00 77.93 0.00 77.93 0.00 77.93 0.00 77.93 0.00 77.93 0.00 85.54 23.16 85.54 0.00 86.00 4.99 100.00 91.07 100.00 0.00 100.00 0.00 100.00 0.00

3.92 9.78 20.42 15.31 11.71 38.98 35.40 31.58 29.51 28.42 27.44 26.35 25.73 25.47 25.21 24.67 27.47 27.41 20.83 20.83

20.83

Page 93 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 24 - NUSA TENGGARA TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 601 865 990 515 534 337 192 172 76 44 36 34 9 16 14 4 5 1 0 0 4,445

601 1,466 2,456 2,971 3,505 3,842 4,034 4,206 4,282 4,326 4,362 4,396 4,405 4,421 4,435 4,439 4,444 4,445 4,445 4,445

13.52 19.46 22.27 11.59 12.01 7.58 4.32 3.87 1.71 0.99 0.81 0.76 0.20 0.36 0.31 0.09 0.11 0.02 0.00 0.00

13.52 32.98 55.25 66.84 78.85 86.43 90.75 94.62 96.33 97.32 98.13 98.90 99.10 99.46 99.78 99.87 99.98 100.00 100.00 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 102.01 231.05 647.25 475.55 920.52 858.39 662.63 670.97 426.21 246.19 228.50 257.77 111.59 82.20 80.39 42.21 113.29 16.00 0.00 0.00 6,172.72

102.01 333.06 980.31 1,455.86 2,376.38 3,234.77 3,897.40 4,568.37 4,994.58 5,240.77 5,469.28 5,727.04 5,838.63 5,920.83 6,001.22 6,043.43 6,156.72 6,172.72 6,172.72 6,172.72

1.65 1.65 3.74 5.40 10.49 15.88 7.70 23.59 14.91 38.50 13.91 52.40 10.73 63.14 10.87 74.01 6.90 80.91 3.99 84.90 3.70 88.60 4.18 92.78 1.81 94.59 1.33 95.92 1.30 97.22 0.68 97.91 1.84 99.74 0.26 100.00 0.00 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 1 1 1 3 0 0 1 0 0 0 0 0 0 0 0 0 0 0 7

0 0 1 2 3 6 6 6 7 7 7 7 7 7 7 7 7 7 7 7

0.00 0.00 14.29 14.29 14.29 42.86 0.00 0.00 14.29 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 14.29 28.57 42.86 85.71 85.71 85.71 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 68.75 97.03 76.54 734.90 0.00 0.00 1,207.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,184.22

0.00 0.00 0.00 0.00 68.75 3.15 165.78 4.44 242.32 3.50 977.22 33.65 977.22 0.00 977.22 0.00 2,184.22 55.26 2,184.22 0.00 2,184.22 0.00 2,184.22 0.00 2,184.22 0.00 2,184.22 0.00 2,184.22 0.00 2,184.22 0.00 2,184.22 0.00 2,184.22 0.00 2,184.22 0.00 2,184.22 0.00

0.00 0.00 0.00 0.00 3.15 10.62 7.59 20.40 11.09 8.31 44.74 85.61 44.74 0.00 44.74 0.00 100.00 283.19 100.00 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 0.00 100.00 0.00 100.00 0.00 100.00 0.00

0.00 0.00 7.01 11.39 10.20 30.21 25.07 21.39 43.73 41.68 39.94 38.14 37.41 36.89 36.40 36.14 35.48 35.39 35.39 35.39

35.39

Page 94 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 25 - MALUKU

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 163 241 293 183 175 102 90 69 37 17 17 20 9 10 5 11 8 1 0 0 1,451

163 404 697 880 1,055 1,157 1,247 1,316 1,353 1,370 1,387 1,407 1,416 1,426 1,431 1,442 1,450 1,451 1,451 1,451

DATA POSITION FROM

11.23 16.61 20.19 12.61 12.06 7.03 6.20 4.76 2.55 1.17 1.17 1.38 0.62 0.69 0.34 0.76 0.55 0.07 0.00 0.00

11.23 27.84 48.04 60.65 72.71 79.74 85.94 90.70 93.25 94.42 95.59 96.97 97.59 98.28 98.62 99.38 99.93 100.00 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 37.79 61.35 192.04 189.13 317.52 250.65 346.79 413.82 177.28 104.63 171.97 190.08 68.08 120.27 24.15 234.57 177.91 1.68 0.00 0.00 3,079.70

37.79 1.23 1.23 99.14 1.99 3.22 291.18 6.24 9.45 480.31 6.14 15.60 797.83 10.31 25.91 1,048.48 8.14 34.04 1,395.27 11.26 45.31 1,809.09 13.44 58.74 1,986.36 5.76 64.50 2,091.00 3.40 67.90 2,262.96 5.58 73.48 2,453.04 6.17 79.65 2,521.12 2.21 81.86 2,641.39 3.91 85.77 2,665.54 0.78 86.55 2,900.12 7.62 94.17 3,078.02 5.78 99.95 3,079.70 0.05 100.00 3,079.70 0.00 100.00 3,079.70 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1

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 1 100.0 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 60.83 0.00 0.00 0.00 60.83

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 60.83 100.0 60.83 0.00 60.83 0.00 60.83 0.00

0.00 0.00 0.00 0.00 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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 34.19 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 0.00 0.00 0.00 0.00 0.00 0.00 1.98 1.98 1.98 1.98

1.98

Page 95 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 26 - IRIAN JAYA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 302 434 722 528 567 397 250 193 135 62 54 54 49 49 32 13 12 10 1 0 3,864

302 736 1,458 1,986 2,553 2,950 3,200 3,393 3,528 3,590 3,644 3,698 3,747 3,796 3,828 3,841 3,853 3,863 3,864 3,864

DATA POSITION FROM

7.82 11.23 18.69 13.66 14.67 10.27 6.47 4.99 3.49 1.60 1.40 1.40 1.27 1.27 0.83 0.34 0.31 0.26 0.03 0.00

7.82 19.05 37.73 51.40 66.07 76.35 82.82 87.81 91.30 92.91 94.31 95.70 96.97 98.24 99.07 99.40 99.72 99.97 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 105.38 130.33 364.67 516.47 921.56 1,057.19 891.91 1,036.31 766.11 447.51 437.68 438.55 505.05 505.08 408.70 86.29 216.63 234.30 4.89 0.00 9,074.60

105.38 1.16 1.16 235.71 1.44 2.60 600.37 4.02 6.62 1,116.85 5.69 12.31 2,038.40 10.16 22.46 3,095.59 11.65 34.11 3,987.51 9.83 43.94 5,023.81 11.42 55.36 5,789.92 8.44 63.80 6,237.43 4.93 68.74 6,675.12 4.82 73.56 7,113.67 4.83 78.39 7,618.72 5.57 83.96 8,123.80 5.57 89.52 8,532.50 4.50 94.03 8,618.79 0.95 94.98 8,835.42 2.39 97.36 9,069.71 2.58 99.95 9,074.60 0.05 100.00 9,074.60 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 2 1 1 0 0 1 1 1 0 0 0 0 0 0 0 1 0 0 0 0 8

2 3 4 4 4 5 6 7 7 7 7 7 7 7 7 8 8 8 8 8

25.00 12.50 12.50 0.00 0.00 12.50 12.50 12.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.50 0.00 0.00 0.00 0.00

25.00 37.50 50.00 50.00 50.00 62.50 75.00 87.50 87.50 87.50 87.50 87.50 87.50 87.50 87.50 100.00 100.00 100.00 100.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 75.00 58.00 161.00 0.00 0.00 612.82 49.20 1,363.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00 29.22 0.00 0.00 0.00 0.00 2,348.63

75.00 3.19 133.00 2.47 294.00 6.86 294.00 0.00 294.00 0.00 906.82 26.09 956.02 2.09 2,319.41 58.05 2,319.41 0.00 2,319.41 0.00 2,319.41 0.00 2,319.41 0.00 2,319.41 0.00 2,319.41 0.00 2,319.41 0.00 2,348.63 1.24 2,348.63 0.00 2,348.63 0.00 2,348.63 0.00 2,348.63 0.00

3.19 71.17 5.66 44.50 12.52 44.15 12.52 0.00 12.52 0.00 38.61 57.97 40.71 5.52 98.76 131.56 98.76 0.00 98.76 0.00 98.76 0.00 98.76 0.00 98.76 0.00 98.76 0.00 98.76 0.00 100.00 33.86 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

71.17 56.43 48.97 26.32 14.42 29.29 23.98 46.17 40.06 37.19 34.75 32.60 30.44 28.55 27.18 27.25 26.58 25.90 25.88 25.88

25.88

Page 96 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 27 - MALUKU UTARA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 84 147 166 81 104 85 67 76 49 21 11 18 8 8 7 1 1 1 2 0 937

84 8.96 231 15.69 397 17.72 478 8.64 582 11.10 667 9.07 734 7.15 810 8.11 859 5.23 880 2.24 891 1.17 909 1.92 917 0.85 925 0.85 932 0.75 933 0.11 934 0.11 935 0.11 937 0.21 937 0.00

DATA POSITION FROM

8.96 24.65 42.37 51.01 62.11 71.18 78.34 86.45 91.68 93.92 95.09 97.01 97.87 98.72 99.47 99.57 99.68 99.79 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 88.37 44.02 89.87 90.57 180.95 199.55 232.77 393.26 356.74 168.37 85.98 182.13 117.40 139.96 71.99 1.73 25.00 36.46 87.02 0.00 2,592.13

88.37 3.41 3.41 132.39 1.70 5.11 222.26 3.47 8.57 312.83 3.49 12.07 493.78 6.98 19.05 693.33 7.70 26.75 926.10 8.98 35.73 1,319.36 15.17 50.90 1,676.10 13.76 64.66 1,844.47 6.50 71.16 1,930.45 3.32 74.47 2,112.58 7.03 81.50 2,229.98 4.53 86.03 2,369.94 5.40 91.43 2,441.93 2.78 94.21 2,443.65 0.07 94.27 2,468.65 0.96 95.24 2,505.11 1.41 96.64 2,592.13 3.36 100.00 2,592.13 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1

1 100.0 100.00 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 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 422.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 422.65

422.65 100.0 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00 422.65 0.00

100.00 478.28 478.28 100.00 0.00 319.25 100.00 0.00 190.16 100.00 0.00 135.10 100.00 0.00 85.59 100.00 0.00 60.96 100.00 0.00 45.64 100.00 0.00 32.03 100.00 0.00 25.22 100.00 0.00 22.91 100.00 0.00 21.89 100.00 0.00 20.01 100.00 0.00 18.95 100.00 0.00 17.83 100.00 0.00 17.31 100.00 0.00 17.30 100.00 0.00 17.12 100.00 0.00 16.87 100.00 0.00 16.31 100.00 0.00 16.31 16.31

Page 97 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 28 - IRIAN JAYA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 316 408 464 207 225 137 91 66 50 16 21 21 9 20 9 8 15 1 2 1 2,087

316 724 1,188 1,395 1,620 1,757 1,848 1,914 1,964 1,980 2,001 2,022 2,031 2,051 2,060 2,068 2,083 2,084 2,086 2,087

15.14 19.55 22.23 9.92 10.78 6.56 4.36 3.16 2.40 0.77 1.01 1.01 0.43 0.96 0.43 0.38 0.72 0.05 0.10 0.05

DATA POSITION FROM

15.14 34.69 56.92 66.84 77.62 84.19 88.55 91.71 94.11 94.87 95.88 96.89 97.32 98.28 98.71 99.09 99.81 99.86 99.95 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 18.63 66.86 156.13 150.92 372.65 358.92 317.59 285.18 269.33 83.09 144.44 164.15 101.39 258.01 134.66 159.30 179.58 16.00 48.57 19.89 3,305.28

18.63 0.56 0.56 85.49 2.02 2.59 241.62 4.72 7.31 392.54 4.57 11.88 765.18 11.27 23.15 1,124.10 10.86 34.01 1,441.69 9.61 43.62 1,726.87 8.63 52.25 1,996.20 8.15 60.39 2,079.29 2.51 62.91 2,223.73 4.37 67.28 2,387.88 4.97 72.24 2,489.28 3.07 75.31 2,747.29 7.81 83.12 2,881.94 4.07 87.19 3,041.24 4.82 92.01 3,220.82 5.43 97.44 3,236.82 0.48 97.93 3,285.40 1.47 99.40 3,305.28 0.60 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 7 0 0 0 8

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 12.50 12.50 1 0.00 12.50 1 0.00 12.50 1 0.00 12.50 1 0.00 12.50 1 0.00 12.50 1 0.00 12.50 1 0.00 12.50 1 0.00 12.50 8 87.50 100.00 8 0.00 100.00 8 0.00 100.00 8 0.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 18.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,312.15 0.00 0.00 0.00 3,330.89

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 18.74 0.56 18.74 0.00 18.74 0.00 18.74 0.00 18.74 0.00 18.74 0.00 18.74 0.00 18.74 0.00 18.74 0.00 3,330.89 99.44 3,330.89 0.00 3,330.89 0.00 3,330.89 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.56 6.57 1.09 0.56 0.00 0.94 0.56 0.00 0.90 0.56 0.00 0.84 0.56 0.00 0.78 0.56 0.00 0.75 0.56 0.00 0.68 0.56 0.00 0.65 0.56 0.00 0.62 100.00 1844.3 103.42 100.00 0.00 102.91 100.00 0.00 101.38 100.00 0.00 100.77 100.77

Page 98 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 29 - BANTEN

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 7,763 8,553 10,412 6,575 6,450 2,977 1,808 1,477 955 548 487 603 485 706 433 706 672 312 388 124 52,434

7,763 16,316 26,728 33,303 39,753 42,730 44,538 46,015 46,970 47,518 48,005 48,608 49,093 49,799 50,232 50,938 51,610 51,922 52,310 52,434

DATA POSITION FROM

14.81 14.81 16.31 31.12 19.86 50.97 12.54 63.51 12.30 75.82 5.68 81.49 3.45 84.94 2.82 87.76 1.82 89.58 1.05 90.62 0.93 91.55 1.15 92.70 0.92 93.63 1.35 94.97 0.83 95.80 1.35 97.15 1.28 98.43 0.60 99.02 0.74 99.76 0.24 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

4,801.88 1,762.14 3,611.71 3,759.68 5,220.60 3,675.12 5,797.51 3,780.29 3,191.88 2,272.76 2,045.23 3,308.75 3,190.88 5,290.02 4,212.43 9,361.87 11,965.78 5,234.20 9,776.59 5,653.98

49 13 24 42 35 27 12 24 16 6 20 23 18 24 23 27 48 84 49 44

97,913.29

4,801.88 4.90 4.90 6,564.02 1.80 6.70 10,175.73 3.69 10.39 13,935.41 3.84 14.23 19,156.01 5.33 19.56 22,831.13 3.75 23.32 28,628.63 5.92 29.24 32,408.92 3.86 33.10 35,600.80 3.26 36.36 37,873.56 2.32 38.68 39,918.79 2.09 40.77 43,227.54 3.38 44.15 46,418.42 3.26 47.41 51,708.45 5.40 52.81 55,920.87 4.30 57.11 65,282.74 9.56 66.67 77,248.52 12.22 78.89 82,482.72 5.35 84.24 92,259.31 9.98 94.23 97,913.29 5.77 100.00

608

49 8.06 8.06 62 2.14 10.20 86 3.95 14.14 128 6.91 21.05 163 5.76 26.81 190 4.44 31.25 202 1.97 33.22 226 3.95 37.17 242 2.63 39.80 248 0.99 40.79 268 3.29 44.08 291 3.78 47.86 309 2.96 50.82 333 3.95 54.77 356 3.78 58.55 383 4.44 62.99 431 7.89 70.89 515 13.82 84.70 564 8.06 92.76 608 7.24 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 24,151.43 182.16 836.42 1,396.62 1,346.37 2,515.71 2,436.37 5,914.89 1,059.48 3,042.27 7,674.42 5,080.93 5,689.92 52,818.93 5,647.55 22,503.20 14,744.15 10,304.68 61,277.37 258,138.19 486,761.05

24,151.43 4.96 24,333.59 0.04 25,170.02 0.17 26,566.64 0.29 27,913.01 0.28 30,428.72 0.52 32,865.08 0.50 38,779.97 1.22 39,839.45 0.22 42,881.71 0.63 50,556.13 1.58 55,637.06 1.04 61,326.98 1.17 114,145.91 10.85 119,793.46 1.16 142,296.65 4.62 157,040.80 3.03 167,345.49 2.12 228,622.85 12.59 486,761.05 53.03

4.96 5.00 5.17 5.46 5.73 6.25 6.75 7.97 8.18 8.81 10.39 11.43 12.60 23.45 24.61 29.23 32.26 34.38 46.97 100.00

LOSS RATIO PERCENTAGE BAND CUM 502.96 10.34 23.16 37.15 25.79 68.45 42.02 156.47 33.19 133.86 375.24 153.56 178.32 998.46 134.07 240.37 123.22 196.87 626.78 4565.60

502.96 370.71 247.35 190.64 145.71 133.28 114.80 119.66 111.91 113.22 126.65 128.71 132.12 220.75 214.22 217.97 203.29 202.89 247.80 497.13

497.13

Page 99 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 30 - BANGKA BELITUNG

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 427 337 457 295 342 199 116 95 55 24 17 26 18 19 17 6 6 16 7 1

2,480

427 764 1,221 1,516 1,858 2,057 2,173 2,268 2,323 2,347 2,364 2,390 2,408 2,427 2,444 2,450 2,456 2,472 2,479 2,480

17.22 13.59 18.43 11.90 13.79 8.02 4.68 3.83 2.22 0.97 0.69 1.05 0.73 0.77 0.69 0.24 0.24 0.65 0.28 0.04

DATA POSITION FROM

17.22 30.81 49.23 61.13 74.92 82.94 87.62 91.45 93.67 94.64 95.32 96.37 97.10 97.86 98.55 98.79 99.03 99.68 99.96 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 257.50 91.09 206.20 264.13 443.78 356.26 248.67 303.05 213.12 89.08 104.03 150.26 89.18 179.13 80.92 79.56 196.58 476.11 79.73 0.22 3,908.59

257.50 6.59 6.59 348.60 2.33 8.92 554.79 5.28 14.19 818.93 6.76 20.95 1,262.71 11.35 32.31 1,618.97 9.11 41.42 1,867.63 6.36 47.78 2,170.68 7.75 55.54 2,383.80 5.45 60.99 2,472.88 2.28 63.27 2,576.91 2.66 65.93 2,727.17 3.84 69.77 2,816.35 2.28 72.06 2,995.48 4.58 76.64 3,076.40 2.07 78.71 3,155.95 2.04 80.74 3,352.53 5.03 85.77 3,828.64 12.18 97.95 3,908.37 2.04 99.99 3,908.59 0.01 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 5 0 1 0 2 0 0 0 1 0 0 0 1 0 0 0 0 0 2 0 12

5 41.67 41.67 5 0.00 41.67 6 8.33 50.00 6 0.00 50.00 8 16.67 66.67 8 0.00 66.67 8 0.00 66.67 8 0.00 66.67 9 8.33 75.00 9 0.00 75.00 9 0.00 75.00 9 0.00 75.00 10 8.33 83.33 10 0.00 83.33 10 0.00 83.33 10 0.00 83.33 10 0.00 83.33 10 0.00 83.33 12 16.67 100.00 12 0.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 118.73 0.00 139.55 0.00 6.67 0.00 0.00 0.00 1,947.84 0.00 0.00 0.00 258.99 0.00 0.00 0.00 0.00 0.00 216.53 0.00 2,688.32

118.73 4.42 118.73 0.00 258.28 5.19 258.28 0.00 264.95 0.25 264.95 0.00 264.95 0.00 264.95 0.00 2,212.79 72.46 2,212.79 0.00 2,212.79 0.00 2,212.79 0.00 2,471.78 9.63 2,471.78 0.00 2,471.78 0.00 2,471.78 0.00 2,471.78 0.00 2,471.78 0.00 2,688.32 8.05 2,688.32 0.00

4.42 46.11 4.42 0.00 9.61 67.68 9.61 0.00 9.86 1.50 9.86 0.00 9.86 0.00 9.86 0.00 82.31 913.98 82.31 0.00 82.31 0.00 82.31 0.00 91.95 290.40 91.95 0.00 91.95 0.00 91.95 0.00 91.95 0.00 91.95 0.00 100.00 271.59 100.00 0.00

46.11 34.06 46.55 31.54 20.98 16.37 14.19 12.21 92.83 89.48 85.87 81.14 87.77 82.52 80.35 78.32 73.73 64.56 68.78 68.78

68.78

Page 100 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 31 - GORONTALO

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 360 504 492 222 235 143 89 90 48 30 17 32 19 4 6 9 8 1 1 1 2,311

360 864 1,356 1,578 1,813 1,956 2,045 2,135 2,183 2,213 2,230 2,262 2,281 2,285 2,291 2,300 2,308 2,309 2,310 2,311

15.58 21.81 21.29 9.61 10.17 6.19 3.85 3.89 2.08 1.30 0.74 1.38 0.82 0.17 0.26 0.39 0.35 0.04 0.04 0.04

DATA POSITION FROM

15.58 37.39 58.68 68.28 78.45 84.64 88.49 92.38 94.46 95.76 96.50 97.88 98.70 98.87 99.13 99.52 99.87 99.91 99.96 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 32.53 87.18 195.57 139.81 243.09 245.31 230.38 292.27 202.31 182.75 90.19 182.83 165.42 22.73 36.74 138.28 337.14 22.39 10.97 23.93 2,881.80

32.53 1.13 1.13 119.71 3.03 4.15 315.28 6.79 10.94 455.09 4.85 15.79 698.18 8.44 24.23 943.49 8.51 32.74 1,173.86 7.99 40.73 1,466.13 10.14 50.88 1,668.44 7.02 57.90 1,851.19 6.34 64.24 1,941.38 3.13 67.37 2,124.21 6.34 73.71 2,289.63 5.74 79.45 2,312.36 0.79 80.24 2,349.11 1.28 81.52 2,487.38 4.80 86.31 2,824.52 11.70 98.01 2,846.91 0.78 98.79 2,857.88 0.38 99.17 2,881.80 0.83 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 1 3 1 1 0 0 2 0 0 0 0 0 0 0 5 0 0 0 13

0 0.00 0.00 0 0.00 0.00 1 7.69 7.69 4 23.08 30.77 5 7.69 38.46 6 7.69 46.15 6 0.00 46.15 6 0.00 46.15 8 15.38 61.54 8 0.00 61.54 8 0.00 61.54 8 0.00 61.54 8 0.00 61.54 8 0.00 61.54 8 0.00 61.54 8 0.00 61.54 13 38.46 100.00 13 0.00 100.00 13 0.00 100.00 13 0.00 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 5.00 11.45 296.72 1.00 0.00 0.00 1,166.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 40.89 0.00 0.00 0.00 1,521.61

0.00 0.00 0.00 0.00 5.00 0.33 16.45 0.75 313.17 19.50 314.17 0.07 314.17 0.00 314.17 0.00 1,480.72 76.67 1,480.72 0.00 1,480.72 0.00 1,480.72 0.00 1,480.72 0.00 1,480.72 0.00 1,480.72 0.00 1,480.72 0.00 1,521.61 2.69 1,521.61 0.00 1,521.61 0.00 1,521.61 0.00

0.00 0.00 0.00 0.00 0.33 2.56 1.08 8.19 20.58 122.06 20.65 0.41 20.65 0.00 20.65 0.00 97.31 576.62 97.31 0.00 97.31 0.00 97.31 0.00 97.31 0.00 97.31 0.00 97.31 0.00 97.31 0.00 100.00 12.13 100.00 0.00 100.00 0.00 100.00 0.00

0.00 0.00 1.59 3.61 44.86 33.30 26.76 21.43 88.75 79.99 76.27 69.71 64.67 64.03 63.03 59.53 53.87 53.45 53.24 52.80

52.80

Page 101 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 32 - KEPULAUAN RIAU

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,269 2,560 3,209 2,113 2,142 894 538 393 216 127 86 128 70 136 63 117 97 53 67 34 15,312

2,269 4,829 8,038 10,151 12,293 13,187 13,725 14,118 14,334 14,461 14,547 14,675 14,745 14,881 14,944 15,061 15,158 15,211 15,278 15,312

14.82 16.72 20.96 13.80 13.99 5.84 3.51 2.57 1.41 0.83 0.56 0.84 0.46 0.89 0.41 0.76 0.63 0.35 0.44 0.22

DATA POSITION FROM

14.82 31.54 52.49 66.29 80.28 86.12 89.64 92.20 93.61 94.44 95.00 95.84 96.30 97.19 97.60 98.36 98.99 99.34 99.78 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,027.89 475.74 1,261.82 1,492.28 2,688.26 1,616.27 1,372.38 1,477.61 905.90 626.72 421.36 804.87 629.04 1,146.11 571.81 1,640.62 1,960.42 1,446.16 2,080.05 10,836.69 34,482.01

1,027.89 2.98 2.98 1,503.62 1.38 4.36 2,765.44 3.66 8.02 4,257.72 4.33 12.35 6,945.98 7.80 20.14 8,562.25 4.69 24.83 9,934.63 3.98 28.81 11,412.24 4.29 33.10 12,318.15 2.63 35.72 12,944.87 1.82 37.54 13,366.23 1.22 38.76 14,171.10 2.33 41.10 14,800.15 1.82 42.92 15,946.26 3.32 46.25 16,518.07 1.66 47.90 18,158.69 4.76 52.66 20,119.11 5.69 58.35 21,565.27 4.19 62.54 23,645.32 6.03 68.57 34,482.01 31.43 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 4 4 7 4 4 1 4 1 1 0 0 1 0 2 2 4 4 9 5 4 61

4 6.56 6.56 8 6.56 13.11 15 11.48 24.59 19 6.56 31.15 23 6.56 37.70 24 1.64 39.34 28 6.56 45.90 29 1.64 47.54 30 1.64 49.18 30 0.00 49.18 30 0.00 49.18 31 1.64 50.82 31 0.00 50.82 33 3.28 54.10 35 3.28 57.38 39 6.56 63.93 43 6.56 70.49 52 14.75 85.25 57 8.20 93.44 61 6.56 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 230.44 233.08 410.04 457.15 818.60 367.96 2,111.48 154.95 1.20 0.00 0.00 135.22 0.00 45.10 419.84 1,522.42 161.59 1,005.07 4,176.68 313.64 12,564.47

230.44 1.83 463.52 1.86 873.56 3.26 1,330.71 3.64 2,149.31 6.52 2,517.27 2.93 4,628.74 16.81 4,783.70 1.23 4,784.90 0.01 4,784.90 0.00 4,784.90 0.00 4,920.11 1.08 4,920.11 0.00 4,965.22 0.36 5,385.06 3.34 6,907.48 12.12 7,069.07 1.29 8,074.14 8.00 12,250.82 33.24 12,564.47 2.50

1.83 22.42 3.69 48.99 6.95 32.50 10.59 30.63 17.11 30.45 20.03 22.77 36.84 153.85 38.07 10.49 38.08 0.13 38.08 0.00 38.08 0.00 39.16 16.80 39.16 0.00 39.52 3.94 42.86 73.42 54.98 92.80 56.26 8.24 64.26 69.50 97.50 200.80 100.00 2.89

22.42 30.83 31.59 31.25 30.94 29.40 46.59 41.92 38.84 36.96 35.80 34.72 33.24 31.14 32.60 38.04 35.14 37.44 51.81 36.44

36.44

Page 102 of 204

RISK AND LOSS PROFILE 2008

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

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

BAND

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

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 162,898 152,228 190,712 120,067 132,670 71,394 49,511 39,752 22,601 12,762 9,957 11,774 7,897 10,498 6,398 11,039 9,399 4,538 5,851 2,283 1,034,22

162,898 315,126 505,838 625,905 758,575 829,969 879,480 919,232 941,833 954,595 964,552 976,326 984,223 994,721 1,001,11 1,012,15 1,021,55 1,026,09 1,031,94 1,034,22

15.75 14.72 18.44 11.61 12.83 6.90 4.79 3.84 2.19 1.23 0.96 1.14 0.76 1.02 0.62 1.07 0.91 0.44 0.57 0.22

15.75 30.47 48.91 60.52 73.35 80.25 85.04 88.88 91.07 92.30 93.26 94.40 95.16 96.18 96.80 97.87 98.77 99.21 99.78 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 169,272.02 38,284.05 75,380.55 73,608.32 127,135.13 96,584.80 90,958.97 96,859.20 71,209.71 47,050.65 44,739.37 60,459.08 48,559.28 76,974.98 58,048.00 134,486.29 148,511.21 80,288.92 103,722.07 193,843.06 1,835,975.67

169,272.02 9.22 9.22 207,556.07 2.09 11.30 282,936.61 4.11 15.41 356,544.94 4.01 19.42 483,680.07 6.92 26.34 580,264.87 5.26 31.61 671,223.84 4.95 36.56 768,083.04 5.28 41.84 839,292.76 3.88 45.71 886,343.40 2.56 48.28 931,082.78 2.44 50.71 991,541.86 3.29 54.01 1,040,101.13 2.64 56.65 1,117,076.11 4.19 60.84 1,175,124.11 3.16 64.01 1,309,610.41 7.33 71.33 1,458,121.62 8.09 79.42 1,538,410.54 4.37 83.79 1,642,132.61 5.65 89.44 1,835,975.67 10.56 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 421 125 197 117 206 136 132 146 113 87 71 95 90 111 82 299 317 230 405 256 3,636

421 546 743 860 1,066 1,202 1,334 1,480 1,593 1,680 1,751 1,846 1,936 2,047 2,129 2,428 2,745 2,975 3,380 3,636

11.58 11.58 3.44 15.02 5.42 20.43 3.22 23.65 5.67 29.32 3.74 33.06 3.63 36.69 4.02 40.70 3.11 43.81 2.39 46.20 1.95 48.16 2.61 50.77 2.48 53.25 3.05 56.30 2.26 58.55 8.22 66.78 8.72 75.50 6.33 81.82 11.14 92.96 7.04 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 98,771.62 5,779.10 18,760.11 9,494.15 20,271.80 14,091.46 23,321.58 32,329.86 27,452.29 22,145.15 21,045.85 40,175.53 21,763.61 33,213.58 22,146.97 144,014.22 267,029.02 347,851.41 416,812.15 276,208.93 1,862,678.41

98,771.62 104,550.72 123,310.83 132,804.98 153,076.78 167,168.25 190,489.82 222,819.68 250,271.98 272,417.12 293,462.97 333,638.51 355,402.12 388,615.70 410,762.67 554,776.89 821,805.92 1,169,657.33 1,586,469.48 1,862,678.41

5.30 0.31 1.01 0.51 1.09 0.76 1.25 1.74 1.47 1.19 1.13 2.16 1.17 1.78 1.19 7.73 14.34 18.67 22.38 14.83

5.30 5.61 6.62 7.13 8.22 8.97 10.23 11.96 13.44 14.63 15.75 17.91 19.08 20.86 22.05 29.78 44.12 62.79 85.17 100.00

58.35 58.35 15.10 50.37 24.89 43.58 12.90 37.25 15.95 31.65 14.59 28.81 25.64 28.38 33.38 29.01 38.55 29.82 47.07 30.73 47.04 31.52 66.45 33.65 44.82 34.17 43.15 34.79 38.15 34.95 107.08 42.36 179.80 56.36 433.25 76.03 401.85 96.61 142.49 101.45 101.45

Page 103 of 204

RISK AND LOSS PROFILE 2008 GROUP BY CLASS OF BUSINESS

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

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: FIRE

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

133,163 142,918 176,534 108,078 115,196 56,003 37,207 27,579 14,627 7,863 5,716 6,446 3,981 4,860 2,782 4,100 3,219 1,322 2,023 782 854,399

133,163 276,081 452,615 560,693 675,889 731,892 769,099 796,678 811,305 819,168 824,884 831,330 835,311 840,171 842,953 847,053 850,272 851,594 853,617 854,399

15.59 15.59 16.73 32.31 20.66 52.97 12.65 65.62 13.48 79.11 6.55 85.66 4.35 90.02 3.23 93.24 1.71 94.96 0.92 95.88 0.67 96.55 0.75 97.30 0.47 97.77 0.57 98.33 0.33 98.66 0.48 99.14 0.38 99.52 0.15 99.67 0.24 99.91 0.09 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 52,548.62 33,657.45 71,445.82 68,509.57 115,702.85 83,289.51 75,776.74 76,074.43 53,200.11 33,677.63 30,370.15 39,045.12 29,390.20 42,996.15 30,412.33 58,364.43 53,729.81 22,824.04 20,444.82 14,030.26 1,005,490.04

52,548.62 86,206.07 157,651.89 226,161.46 341,864.31 425,153.82 500,930.56 577,004.98 630,205.09 663,882.72 694,252.87 733,298.00 762,688.20 805,684.34 836,096.67 894,461.10 948,190.91 971,014.96 991,459.78 1,005,490.04

5.23 3.35 7.11 6.81 11.5 8.28 7.54 7.57 5.29 3.35 3.02 3.88 2.92 4.28 3.02 5.80 5.34 2.27 2.03 1.40

5.23 8.57 15.68 22.49 34.00 42.28 49.82 57.39 62.68 66.03 69.05 72.93 75.85 80.13 83.15 88.96 94.30 96.57 98.60 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

193 94 130 77 113 79 66 63 51 37 34 34 24 45 34 145 135 42 96 24 1,516

193 12.73 287 6.20 417 8.58 494 5.08 607 7.45 686 5.21 752 4.35 815 4.16 866 3.36 903 2.44 937 2.24 971 2.24 995 1.58 1,040 2.97 1,074 2.24 1,219 9.56 1,354 8.91 1,396 2.77 1,492 6.33 1,516 1.58

12.73 18.93 27.51 32.59 40.04 45.25 49.60 53.76 57.12 59.56 61.81 64.05 65.63 68.60 70.84 80.41 89.31 92.08 98.42 100.0

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 30,463.63 4,933.80 17,406.27 8,365.06 15,318.63 11,678.77 16,815.20 22,022.55 8,927.01 12,451.73 12,704.49 26,074.48 14,898.64 17,667.63 16,603.31 94,155.53 155,937.87 87,583.26 275,506.19 63,509.20 913,023.24

30,463.63 3.34 3.34 35,397.42 0.54 3.88 52,803.70 1.91 5.78 61,168.75 0.92 6.70 76,487.39 1.68 8.38 88,166.16 1.28 9.66 104,981.36 1.84 11.50 127,003.90 2.41 13.91 135,930.92 0.98 14.89 148,382.64 1.36 16.25 161,087.13 1.39 17.64 187,161.61 2.86 20.50 202,060.25 1.63 22.13 219,727.88 1.94 24.07 236,331.19 1.82 25.88 330,486.73 10.31 36.20 486,424.60 17.08 53.28 574,007.86 9.59 62.87 849,514.05 30.18 93.04 913,023.24 6.96 100.00

57.97 14.66 24.36 12.21 13.24 14.02 22.19 28.95 16.78 36.97 41.83 66.78 50.69 41.09 54.59 161.32 290.23 383.73 1347.5 452.66

57.97 41.06 33.49 27.05 22.37 20.74 20.96 22.01 21.57 22.35 23.20 25.52 26.49 27.27 28.27 36.95 51.30 59.11 85.68 90.80

90.80

Page 104 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: I.A.R

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 19,209 5,807 8,853 7,912 12,098 11,456 8,994 8,602 5,460 3,332 2,838 3,451 2,496 3,596 2,235 4,165 3,644 1,876 2,119 829 118,972

19,209 16.15 16.15 25,016 4.88 21.03 33,869 7.44 28.47 41,781 6.65 35.12 53,879 10.17 45.29 65,335 9.63 54.92 74,329 7.56 62.48 82,931 7.23 69.71 88,391 4.59 74.30 91,723 2.80 77.10 94,561 2.39 79.48 98,012 2.90 82.38 100,508 2.10 84.48 104,104 3.02 87.50 106,339 1.88 89.38 110,504 3.50 92.88 114,148 3.06 95.95 116,024 1.58 97.52 118,143 1.78 99.30 118,972 0.70 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 67,448.48 1,749.65 2,613.30 3,573.51 8,517.62 9,954.85 11,645.57 15,038.53 12,996.00 9,479.58 10,358.64 15,188.88 13,722.82 23,456.23 18,511.09 48,866.72 58,822.52 30,229.18 39,428.12 106,309.90 507,911.21

67,448.48 13.28 13.28 69,198.13 0.34 13.62 71,811.44 0.51 14.14 75,384.95 0.70 14.84 83,902.57 1.68 16.52 93,857.42 1.96 18.48 105,502.99 2.29 20.77 120,541.52 2.96 23.73 133,537.52 2.56 26.29 143,017.11 1.87 28.16 153,375.75 2.04 30.20 168,564.63 2.99 33.19 182,287.45 2.70 35.89 205,743.68 4.62 40.51 224,254.77 3.64 44.15 273,121.50 9.62 53.77 331,944.02 11.58 65.35 362,173.20 5.95 71.31 401,601.32 7.76 79.07 507,911.21 20.93 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 227 30 66 38 92 56 63 79 58 47 36 59 65 63 45 153 181 182 307 232 2,079

227 10.92 10.92 257 1.44 12.36 323 3.17 15.54 361 1.83 17.36 453 4.43 21.79 509 2.69 24.48 572 3.03 27.51 651 3.80 31.31 709 2.79 34.10 756 2.26 36.36 792 1.73 38.10 851 2.84 40.93 916 3.13 44.06 979 3.03 47.09 1,024 2.16 49.25 1,177 7.36 56.61 1,358 8.71 65.32 1,540 8.75 74.07 1,847 14.77 88.84 2,079 11.16 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 65,699.50 830.50 1,341.70 1,120.77 4,884.68 2,382.85 4,900.18 7,353.52 10,725.28 4,806.39 6,991.09 10,682.25 6,614.91 15,440.01 5,527.51 49,805.72 71,436.15 38,574.68 141,305.97 212,699.73 663,123.40

65,699.50 9.91 9.91 66,530.00 0.13 10.03 67,871.70 0.20 10.24 68,992.47 0.17 10.40 73,877.16 0.74 11.14 76,260.01 0.36 11.50 81,160.19 0.74 12.24 88,513.70 1.11 13.35 99,238.98 1.62 14.97 104,045.37 0.72 15.69 111,036.47 1.05 16.74 121,718.71 1.61 18.36 128,333.63 1.00 19.35 143,773.64 2.33 21.68 149,301.15 0.83 22.51 199,106.87 7.51 30.03 270,543.02 10.77 40.80 309,117.70 5.82 46.62 450,423.67 21.31 67.92 663,123.40 32.08 100.00

97.41 97.41 47.47 96.14 51.34 94.51 31.36 91.52 57.35 88.05 23.94 81.25 42.08 76.93 48.90 73.43 82.53 74.32 50.70 72.75 67.49 72.40 70.33 72.21 48.20 70.40 65.82 69.88 29.86 66.58 101.92 72.90 121.44 81.50 127.61 85.35 358.39 112.16 200.08 130.56 130.56

Page 105 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: L.O.P

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

409

01/01/2008

15/12/2009

DATE

15/03/2010

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 7 25 6 6 5 12 10 20 27 24 23 22 25 23 9 26 45 49 38 7

7 1.71 32 6.11 38 1.47 44 1.47 49 1.22 61 2.93 71 2.44 91 4.89 118 6.60 142 5.87 165 5.62 187 5.38 212 6.11 235 5.62 244 2.20 270 6.36 315 11.00 364 11.98 402 9.29 409 1.71

1.71 7.82 9.29 10.76 11.98 14.91 17.36 22.25 28.85 34.72 40.34 45.72 51.83 57.46 59.66 66.01 77.02 89.00 98.29 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 0.21 10.89 0.31 1.46 2.16 6.06 8.96 43.40 29.52 39.43 43.99 47.86 65.28 67.11 64.02 137.11 287.41 125.91 169.58 67.73 1,218.43

0.21 11.11 11.42 12.88 15.04 21.10 30.06 73.46 102.98 142.41 186.40 234.27 299.55 366.66 430.69 567.79 855.21 981.12 1,150.70 1,218.43

0.02 0.02 0.89 0.91 0.03 0.94 0.12 1.06 0.18 1.23 0.50 1.73 0.73 2.47 3.56 6.03 2.42 8.45 3.24 11.69 3.61 15.30 3.93 19.23 5.36 24.58 5.51 30.09 5.25 35.35 11.25 46.60 23.59 70.19 10.33 80.52 13.92 94.44 5.56 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 1 1 0 1 2 0 1 0 0 0 0 6

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.67 16.67 0.00 16.67 33.33 0.00 16.67 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 16.67 33.33 33.33 50.00 83.33 83.33 100.00 100.00 100.00 100.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.03 1,350.27 0.00 250.06 105.93 0.00 52.97 0.00 0.00 0.00 0.00 1,771.26

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 0.00 0.00 0.00 12.03 0.68 1,362.30 76.23 1,362.30 0.00 1,612.36 14.12 1,718.29 5.98 1,718.29 0.00 1,771.26 2.99 1,771.26 0.00 1,771.26 0.00 1,771.26 0.00 1,771.26 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.68 30.50 8.44 76.91 3069.3 730.83 76.91 0.00 581.52 91.03 383.03 538.26 97.01 157.85 468.63 97.01 0.00 398.97 100.00 38.63 311.95 100.00 0.00 207.11 100.00 0.00 180.53 100.00 0.00 153.93 100.00 0.00 145.37 145.37

Page 106 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: Earthquake

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

60,449

01/01/2008

15/12/2009

DATE

15/03/2010

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

10,519 3,478 5,319 4,071 5,371 3,923 3,300 3,551 2,487 1,543 1,380 1,855 1,395 2,019 1,372 2,748 2,491 1,291 1,671 665

10,519 17.40 13,997 5.75 19,316 8.80 23,387 6.73 28,758 8.89 32,681 6.49 35,981 5.46 39,532 5.87 42,019 4.11 43,562 2.55 44,942 2.28 46,797 3.07 48,192 2.31 50,211 3.34 51,583 2.27 54,331 4.55 56,822 4.12 58,113 2.14 59,784 2.76 60,449 1.10

17.40 23.16 31.95 38.69 47.57 54.06 59.52 65.40 69.51 72.06 74.35 77.42 79.72 83.06 85.33 89.88 94.00 96.14 98.90 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 49,274.71 2,866.06 1,321.10 1,523.78 2,912.51 3,334.37 3,527.71 5,702.85 4,984.08 3,854.00 3,966.59 6,177.21 5,380.97 10,455.49 9,060.55 27,118.03 35,671.47 27,109.79 43,679.55 73,435.17 321,355.9

49,274.71 52,140.77 53,461.87 54,985.64 57,898.15 61,232.52 64,760.23 70,463.08 75,447.16 79,301.16 83,267.75 89,444.97 94,825.94 105,281.43 114,341.98 141,460.01 177,131.48 204,241.27 247,920.81 321,355.99

15.33 15.33 0.89 16.23 0.41 16.64 0.47 17.11 0.91 18.02 1.04 19.05 1.10 20.15 1.77 21.93 1.55 23.48 1.20 24.68 1.23 25.91 1.92 27.83 1.67 29.51 3.25 32.76 2.82 35.58 8.44 44.02 11.10 55.12 8.44 63.56 13.59 77.15 22.85 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 1 1 1 2 1 1 3 4 4 2 0 2 0 1 3 0 1 6 2 0 35

1 2.86 2.86 2 2.86 5.71 3 2.86 8.57 5 5.71 14.29 6 2.86 17.14 7 2.86 20.00 10 8.57 28.57 14 11.43 40.00 18 11.43 51.43 20 5.71 57.14 20 0.00 57.14 22 5.71 62.86 22 0.00 62.86 23 2.86 65.71 26 8.57 74.29 26 0.00 74.29 27 2.86 77.14 33 17.14 94.29 35 5.71 100.00 35 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,608.50 14.80 12.13 8.33 68.48 29.84 1,606.20 2,953.80 7,800.00 4,875.00 0.00 3,418.81 0.00 0.00 16.15 0.00 39,655.00 221,693.47 0.00 0.00 284,760.51

2,608.50 0.92 2,623.30 0.01 2,635.43 0.00 2,643.76 0.00 2,712.24 0.02 2,742.08 0.01 4,348.28 0.56 7,302.08 1.04 15,102.08 2.74 19,977.08 1.71 19,977.08 0.00 23,395.89 1.20 23,395.89 0.00 23,395.89 0.00 23,412.04 0.01 23,412.04 0.00 63,067.04 13.93 284,760.5 77.85 284,760.5 0.00 284,760.5 0.00

0.92 0.92 0.93 0.93 0.95 0.96 1.53 2.56 5.30 7.02 7.02 8.22 8.22 8.22 8.22 8.22 22.15 100.00 100.00 100.00

5.29 5.29 0.52 5.03 0.92 4.93 0.55 4.81 2.35 4.68 0.89 4.48 45.53 6.71 51.80 10.36 156.50 20.02 126.49 25.19 0.00 23.99 55.35 26.16 0.00 24.67 0.00 22.22 0.18 20.48 0.00 16.55 111.17 35.60 817.76 139.42 0.00 114.86 0.00 88.61 88.61

Page 107 of 204

RISK AND LOSS PROFILE 2008 GROUP BY OCCUPATION CODE

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

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 20

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

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

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 208 55 37 34 63 33 31 56 40 46 23 44 39 45 48 78 100 75 91 94 1,240

208 16.77 263 4.44 300 2.98 334 2.74 397 5.08 430 2.66 461 2.50 517 4.52 557 3.23 603 3.71 626 1.85 670 3.55 709 3.15 754 3.63 802 3.87 880 6.29 980 8.06 1,055 6.05 1,146 7.34 1,240 7.58

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

16.77 30,453.04 21.21 36.12 24.19 8.66 26.94 17.47 32.02 46.80 34.68 56.19 37.18 75.57 41.69 154.94 44.92 104.93 48.63 156.82 50.48 117.73 54.03 122.32 57.18 289.38 60.81 329.38 64.68 494.77 70.97 1,093.74 79.03 1,615.92 85.08 1,083.23 92.42 1,003.76 100.00 1,977.25 39,238.02

30,453.04 77.61 77.61 30,489.16 0.09 77.70 30,497.82 0.02 77.73 30,515.29 0.04 77.77 30,562.09 0.12 77.89 30,618.28 0.14 78.03 30,693.85 0.19 78.22 30,848.79 0.39 78.62 30,953.71 0.27 78.89 31,110.53 0.40 79.29 31,228.27 0.30 79.59 31,350.58 0.31 79.90 31,639.96 0.74 80.64 31,969.34 0.84 81.48 32,464.11 1.26 82.74 33,557.85 2.79 85.52 35,173.78 4.12 89.64 36,257.01 2.76 92.40 37,260.77 2.56 94.96 39,238.02 5.04 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM.

11 0 0 0 0 0 0 0 0 0 1 0 0 2 0 0 2 1 3 18

11 28.95 28.95 4,077.88 11 0.00 28.95 0.00 11 0.00 28.95 0.00 11 0.00 28.95 0.00 11 0.00 28.95 0.00 11 0.00 28.95 0.00 11 0.00 28.95 0.00 11 0.00 28.95 0.00 11 0.00 28.95 0.00 11 0.00 28.95 0.00 12 2.63 31.58 63.08 12 0.00 31.58 0.00 12 0.00 31.58 0.00 14 5.26 36.84 1.32 14 0.00 36.84 0.00 14 0.00 36.84 0.00 16 5.26 42.11 2,120.62 17 2.63 44.74 5.57 20 7.89 52.63 158.91 38 47.37 100.00 60,529.66

66,957.04

4,077.88 6.09 4,077.88 0.00 4,077.88 0.00 4,077.88 0.00 4,077.88 0.00 4,077.88 0.00 4,077.88 0.00 4,077.88 0.00 4,077.88 0.00 4,077.88 0.00 4,140.97 0.09 4,140.97 0.00 4,140.97 0.00 4,142.28 0.00 4,142.28 0.00 4,142.28 0.00 6,262.90 3.17 6,268.48 0.01 6,427.38 0.24 66,957.04 90.40

6.09 6.09 6.09 6.09 6.09 6.09 6.09 6.09 6.09 6.09 6.18 6.18 6.18 6.19 6.19 6.19 9.35 9.36 9.60 100.00

LOSS RATIO PERCENTAGE BAND CUM 13.39 13.39 0.00 13.37 0.00 13.37 0.00 13.36 0.00 13.34 0.00 13.32 0.00 13.29 0.00 13.22 0.00 13.17 0.00 13.11 53.58 13.26 0.00 13.21 0.00 13.09 0.40 12.96 0.00 12.76 0.00 12.34 131.23 17.81 0.51 17.29 15.83 17.25 3061.30 170.64 170.64

Page 108 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

Stone,Earth,(Animal) Bons or Shells

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 305 104 114 78 120 100 72 114 90 58 46 66 47 98 48 129 178 83 140 66 2,056

305 14.83 409 5.06 523 5.54 601 3.79 721 5.84 821 4.86 893 3.50 1,007 5.54 1,097 4.38 1,155 2.82 1,201 2.24 1,267 3.21 1,314 2.29 1,412 4.77 1,460 2.33 1,589 6.27 1,767 8.66 1,850 4.04 1,990 6.81 2,056 3.21

14.83 19.89 25.44 29.23 35.07 39.93 43.43 48.98 53.36 56.18 58.41 61.62 63.91 68.68 71.01 77.29 85.94 89.98 96.79 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 578.10 25.14 53.60 58.74 96.62 110.57 95.26 207.96 236.46 176.15 169.90 281.92 293.21 548.63 474.48 1,227.39 1,683.59 1,392.79 1,436.39 2,906.61 12,053.52

578.10 603.24 656.84 715.58 812.19 922.76 1,018.03 1,225.99 1,462.45 1,638.59 1,808.50 2,090.42 2,383.63 2,932.26 3,406.74 4,634.13 6,317.72 7,710.52 9,146.91 12,053.52

4.80 4.80 0.21 5.00 0.44 5.45 0.49 5.94 0.80 6.74 0.92 7.66 0.79 8.45 1.73 10.17 1.96 12.13 1.46 13.59 1.41 15.00 2.34 17.34 2.43 19.78 4.55 24.33 3.94 28.26 10.18 38.45 13.97 52.41 11.56 63.97 11.92 75.89 24.11 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 1 0 0 0 0 0 2 1 0 1 1 1 1 0 2 5 5 4 6 7 37

1 1 1 1 1 1 3 4 4 5 6 7 8 8 10 15 20 24 30 37

2.70 2.70 0.00 2.70 0.00 2.70 0.00 2.70 0.00 2.70 0.00 2.70 5.41 8.11 2.70 10.81 0.00 10.81 2.70 13.51 2.70 16.22 2.70 18.92 2.70 21.62 0.00 21.62 5.41 27.03 13.51 40.54 13.51 54.05 10.81 64.86 16.22 81.08 18.92 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 4.88 0.00 0.00 0.00 0.00 0.00 16.30 119.64 0.00 0.00 2,350.00 74.31 32.65 0.00 7,487.76 16,072.63 23,607.88 1,457.25 223.72 2,055.37 53,502.39

4.88 0.01 4.88 0.00 4.88 0.00 4.88 0.00 4.88 0.00 4.88 0.00 21.18 0.03 140.83 0.22 140.83 0.00 140.83 0.00 2,490.83 4.39 2,565.14 0.14 2,597.78 0.06 2,597.78 0.00 10,085.54 14.00 26,158.17 30.04 49,766.05 44.12 51,223.30 2.72 51,447.02 0.42 53,502.39 3.84

0.01 0.01 0.01 0.01 0.01 0.01 0.04 0.26 0.26 0.26 4.66 4.79 4.86 4.86 18.85 48.89 93.02 95.74 96.16 100.00

0.84 0.00 0.00 0.00 0.00 0.00 17.11 57.53 0.00 0.00 1383.1 26.36 11.13 0.00 1578.0 1309.5 1402.2 104.63 15.58 70.71

0.84 0.81 0.74 0.68 0.60 0.53 2.08 11.49 9.63 8.59 137.73 122.71 108.98 88.59 296.05 564.47 787.72 664.33 562.45 443.87

443.87

Page 109 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

Metals

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 970 255 400 324 545 390 396 499 367 275 261 354 293 482 286 648 675 370 553 361

8,704

970 11.14 1,225 2.93 1,625 4.60 1,949 3.72 2,494 6.26 2,884 4.48 3,280 4.55 3,779 5.73 4,146 4.22 4,421 3.16 4,682 3.00 5,036 4.07 5,329 3.37 5,811 5.54 6,097 3.29 6,745 7.44 7,420 7.76 7,790 4.25 8,343 6.35 8,704 4.15

11.14 14.07 18.67 22.39 28.65 33.13 37.68 43.42 47.63 50.79 53.79 57.86 61.22 66.76 70.05 77.49 85.25 89.50 95.85 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,183.18 134.38 144.54 170.04 455.19 1,431.26 552.18 950.44 868.72 712.41 819.97 1,408.03 1,384.33 3,124.33 2,091.89 7,540.95 14,988.10 5,232.45 8,284.04 2,560.87 57,037.31

4,183.18 7.33 7.33 4,317.56 0.24 7.57 4,462.10 0.25 7.82 4,632.14 0.30 8.12 5,087.34 0.80 8.92 6,518.59 2.51 11.43 7,070.77 0.97 12.40 8,021.21 1.67 14.06 8,889.93 1.52 15.59 9,602.34 1.25 16.84 10,422.31 1.44 18.27 11,830.34 2.47 20.74 13,214.67 2.43 23.17 16,339.00 5.48 28.65 18,430.89 3.67 32.31 25,971.85 13.22 45.53 40,959.95 26.28 71.81 46,192.40 9.17 80.99 54,476.44 14.52 95.51 57,037.31 4.49 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

31 31 21.68 21.68 0 31 0.00 21.68 1 32 0.70 22.38 2 34 1.40 23.78 1 35 0.70 24.48 0 35 0.00 24.48 0 35 0.00 24.48 2 37 1.40 25.87 1 38 0.70 26.57 2 40 1.40 27.97 0 40 0.00 27.97 1 41 0.70 28.67 2 43 1.40 30.07 6 49 4.20 34.27 4 53 2.80 37.06 11 64 7.69 44.76 17 81 11.89 56.64 11 92 7.69 64.34 31 123 21.68 86.01 20 143 13.99 100.00 143

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3,132.52 0.00 11.83 41.47 12.93 0.00 0.00 324.48 6.73 13.25 0.00 1,876.77 57.96 8,024.85 76.77 7,298.98 24,824.30 12,543.35 334,054.43 6,894.31 399,194.94

3,132.52 0.78 3,132.52 0.00 3,144.35 0.00 3,185.83 0.01 3,198.75 0.00 3,198.75 0.00 3,198.75 0.00 3,523.23 0.08 3,529.96 0.00 3,543.21 0.00 3,543.21 0.00 5,419.98 0.47 5,477.94 0.01 13,502.79 2.01 13,579.56 0.02 20,878.55 1.83 45,702.84 6.22 58,246.20 3.14 392,300.63 83.68 399,194.94 1.73

0.78 0.78 0.79 0.80 0.80 0.80 0.80 0.88 0.88 0.89 0.89 1.36 1.37 3.38 3.40 5.23 11.45 14.59 98.27 100.00

74.88 0.00 8.19 24.39 2.84 0.00 0.00 34.14 0.78 1.86 0.00 133.29 4.19 256.85 3.67 96.79 165.63 239.72 4032.5 269.22

74.88 72.55 70.47 68.78 62.88 49.07 45.24 43.92 39.71 36.90 34.00 45.81 41.45 82.64 73.68 80.39 111.58 126.09 720.13 699.88

699.88

Page 110 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

Chemical / Oils / Gas

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,046 212 319 329 598 601 605 712 542 399 392 531 413 625 470 986 900 470 521 270 10,941

1,046 1,258 1,577 1,906 2,504 3,105 3,710 4,422 4,964 5,363 5,755 6,286 6,699 7,324 7,794 8,780 9,680 10,150 10,671 10,941

9.56 1.94 2.92 3.01 5.47 5.49 5.53 6.51 4.95 3.65 3.58 4.85 3.77 5.71 4.30 9.01 8.23 4.30 4.76 2.47

9.56 11.50 14.41 17.42 22.89 28.38 33.91 40.42 45.37 49.02 52.60 57.45 61.23 66.94 71.24 80.25 88.47 92.77 97.53 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,673.22 352.78 291.57 330.86 707.85 968.70 1,405.25 2,300.98 2,121.32 1,443.06 1,915.00 3,071.98 2,717.02 5,391.66 5,055.69 12,121.15 14,733.95 9,877.97 8,736.78 7,557.41 87,774.21

6,673.22 7.60 7.60 7,026.01 0.40 8.00 7,317.58 0.33 8.34 7,648.44 0.38 8.71 8,356.29 0.81 9.52 9,324.99 1.10 10.62 10,730.24 1.60 12.22 13,031.22 2.62 14.85 15,152.54 2.42 17.26 16,595.61 1.64 18.91 18,510.61 2.18 21.09 21,582.59 3.50 24.59 24,299.61 3.10 27.68 29,691.27 6.14 33.83 34,746.96 5.76 39.59 46,868.11 13.81 53.40 61,602.06 16.79 70.18 71,480.02 11.25 81.44 80,216.80 9.95 91.39 87,774.21 8.61 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 19 1 6 1 3 3 3 5 1 8 6 7 8 11 8 13 26 22 46 9 206

19 9.22 9.22 20 0.49 9.71 26 2.91 12.62 27 0.49 13.11 30 1.46 14.56 33 1.46 16.02 36 1.46 17.48 41 2.43 19.90 42 0.49 20.39 50 3.88 24.27 56 2.91 27.18 63 3.40 30.58 71 3.88 34.47 82 5.34 39.81 90 3.88 43.69 103 6.31 50.00 129 12.62 62.62 151 10.68 73.30 197 22.33 95.63 206 4.37 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3,668.03 5.00 488.23 1.84 831.26 173.48 2,876.42 702.95 1,567.78 4,346.45 1,017.26 2,095.40 2,237.03 4,233.82 443.39 379.10 1,983.94 1,584.93 6,767.28 3,187.16 38,590.76

3,668.03 9.50 3,673.03 0.01 4,161.26 1.27 4,163.10 0.00 4,994.36 2.15 5,167.84 0.45 8,044.27 7.45 8,747.22 1.82 10,315.00 4.06 14,661.45 11.26 15,678.71 2.64 17,774.11 5.43 20,011.14 5.80 24,244.96 10.97 24,688.34 1.15 25,067.45 0.98 27,051.39 5.14 28,636.31 4.11 35,403.59 17.54 38,590.76 8.26

9.50 9.52 10.78 10.79 12.94 13.39 20.85 22.67 26.73 37.99 40.63 46.06 51.85 62.83 63.97 64.96 70.10 74.21 91.74 100.00

54.97 1.42 167.45 0.55 117.44 17.91 204.69 30.55 73.91 301.20 53.12 68.21 82.33 78.53 8.77 3.13 13.47 16.05 77.46 42.17

54.97 52.28 56.87 54.43 59.77 55.42 74.97 67.13 68.07 88.35 84.70 82.35 82.35 81.66 71.05 53.49 43.91 40.06 44.13 43.97

43.97

Page 111 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

Textiles

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,348 801 1,484 1,265 1,732 1,100 874 857 586 401 328 433 271 454 297 679 645 358 658 181 14,752

1,348 9.14 2,149 5.43 3,633 10.06 4,898 8.58 6,630 11.74 7,730 7.46 8,604 5.92 9,461 5.81 10,047 3.97 10,448 2.72 10,776 2.22 11,209 2.94 11,480 1.84 11,934 3.08 12,231 2.01 12,910 4.60 13,555 4.37 13,913 2.43 14,571 4.46 14,752 1.23

9.14 14.57 24.63 33.20 44.94 52.40 58.32 64.13 68.11 70.82 73.05 75.98 77.82 80.90 82.91 87.51 91.89 94.31 98.77 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,184.40 361.24 1,221.67 1,137.17 2,491.15 2,075.51 2,439.98 2,836.25 2,288.49 1,738.96 1,862.52 2,629.25 1,851.21 3,887.49 3,137.74 8,908.89 12,600.45 5,929.54 9,865.27 4,636.67 78,083.84

6,184.40 7.92 7.92 6,545.64 0.46 8.38 7,767.31 1.56 9.95 8,904.48 1.46 11.40 11,395.63 3.19 14.59 13,471.13 2.66 17.25 15,911.11 3.12 20.38 18,747.36 3.63 24.01 21,035.84 2.93 26.94 22,774.80 2.23 29.17 24,637.33 2.39 31.55 27,266.57 3.37 34.92 29,117.79 2.37 37.29 33,005.28 4.98 42.27 36,143.02 4.02 46.29 45,051.91 11.41 57.70 57,652.36 16.14 73.83 63,581.90 7.59 81.43 73,447.17 12.63 94.06 78,083.84 5.94 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 26 3 0 2 0 1 1 2 5 3 3 10 0 7 7 20 34 42 88 13 267

26 9.74 9.74 29 1.12 10.86 29 0.00 10.86 31 0.75 11.61 31 0.00 11.61 32 0.37 11.99 33 0.37 12.36 35 0.75 13.11 40 1.87 14.98 43 1.12 16.10 46 1.12 17.23 56 3.75 20.97 56 0.00 20.97 63 2.62 23.60 70 2.62 26.22 90 7.49 33.71 124 12.73 46.44 166 15.73 62.17 254 32.96 95.13 267 4.87 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,259.75 106.33 0.00 364.69 0.00 387.07 6.40 124.69 527.29 134.22 478.60 1,451.39 0.00 911.15 1,064.44 12,775.83 26,883.71 15,334.72 12,949.78 3,187.54 78,947.59

2,259.75 2,366.08 2,366.08 2,730.77 2,730.77 3,117.84 3,124.24 3,248.93 3,776.21 3,910.44 4,389.04 5,840.42 5,840.42 6,751.58 7,816.01 20,591.84 47,475.55 62,810.27 75,760.05 78,947.59

2.86 0.13 0.00 0.46 0.00 0.49 0.01 0.16 0.67 0.17 0.61 1.84 0.00 1.15 1.35 16.18 34.05 19.42 16.40 4.04

2.86 3.00 3.00 3.46 3.46 3.95 3.96 4.12 4.78 4.95 5.56 7.40 7.40 8.55 9.90 26.08 60.14 79.56 95.96 100.00

36.54 36.54 29.44 36.15 0.00 30.46 32.07 30.67 0.00 23.96 18.65 23.14 0.26 19.64 4.40 17.33 23.04 17.95 7.72 17.17 25.70 17.81 55.20 21.42 0.00 20.06 23.44 20.46 33.92 21.63 143.41 45.71 213.36 82.35 258.62 98.79 131.27 103.15 68.75 101.11 101.11

Page 112 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

Paper, Leather, Rubber

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,068 490 800 722 1,000 691 589 655 485 341 278 358 264 400 258 513 477 296 368 121 10,174

1,068 10.50 1,558 4.82 2,358 7.86 3,080 7.10 4,080 9.83 4,771 6.79 5,360 5.79 6,015 6.44 6,500 4.77 6,841 3.35 7,119 2.73 7,477 3.52 7,741 2.59 8,141 3.93 8,399 2.54 8,912 5.04 9,389 4.69 9,685 2.91 10,053 3.62 10,174 1.19

10.50 15.31 23.18 30.27 40.10 46.89 52.68 59.12 63.89 67.24 69.97 73.49 76.09 80.02 82.55 87.60 92.28 95.19 98.81 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 15,313.65 328.98 577.85 702.74 1,477.02 1,522.55 1,664.48 2,658.00 2,226.77 1,893.88 1,744.19 2,744.12 2,007.18 4,002.11 3,327.38 8,413.05 12,980.90 7,036.64 7,729.01 58,984.08 137,334.60

15,313.65 11.15 11.15 15,642.64 0.24 11.39 16,220.49 0.42 11.81 16,923.23 0.51 12.32 18,400.25 1.08 13.40 19,922.79 1.11 14.51 21,587.27 1.21 15.72 24,245.27 1.94 17.65 26,472.04 1.62 19.28 28,365.92 1.38 20.65 30,110.11 1.27 21.92 32,854.23 2.00 23.92 34,861.41 1.46 25.38 38,863.52 2.91 28.30 42,190.91 2.42 30.72 50,603.96 6.13 36.85 63,584.87 9.45 46.30 70,621.51 5.12 51.42 78,350.52 5.63 57.05 137,334.60 42.95 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 13 1 14 3 1 12 5 2 1 3 6 4 7 3 4 15 14 22 10 8 148

13 8.78 8.78 14 0.68 9.46 28 9.46 18.92 31 2.03 20.95 32 0.68 21.62 44 8.11 29.73 49 3.38 33.11 51 1.35 34.46 52 0.68 35.14 55 2.03 37.16 61 4.05 41.22 65 2.70 43.92 72 4.73 48.65 75 2.03 50.68 79 2.70 53.38 94 10.14 63.51 108 9.46 72.97 130 14.86 87.84 140 6.76 94.59 148 5.41 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 7,325.40 6.75 131.41 11.20 6.00 30.00 1,212.00 269.78 0.00 199.13 10,856.81 286.23 7,175.28 8,258.21 489.50 25,767.95 64,876.42 73,997.08 21,966.17 18,148.37 241,013.68

7,325.40 3.04 7,332.15 0.00 7,463.56 0.05 7,474.76 0.00 7,480.76 0.00 7,510.76 0.01 8,722.76 0.50 8,992.53 0.11 8,992.53 0.00 9,191.66 0.08 20,048.47 4.50 20,334.70 0.12 27,509.98 2.98 35,768.19 3.43 36,257.69 0.20 62,025.64 10.69 126,902.06 26.92 200,899.14 30.70 222,865.31 9.11 241,013.68 7.53

3.04 3.04 3.10 3.10 3.10 3.12 3.62 3.73 3.73 3.81 8.32 8.44 11.41 14.84 15.04 25.74 52.65 83.36 92.47 100.00

47.84 2.05 22.74 1.59 0.41 1.97 72.82 10.15 0.00 10.51 622.46 10.43 357.48 206.35 14.71 306.29 499.78 1051.6 284.20 30.77

47.84 46.87 46.01 44.17 40.66 37.70 40.41 37.09 33.97 32.40 66.58 61.89 78.91 92.04 85.94 122.57 199.58 284.47 284.45 175.49

175.49

Page 113 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 26

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

Wood, Bamboo and Rattan

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 977 597 688 495 594 433 375 427 340 281 220 250 181 335 245 394 402 236 287 66 7,823

977 12.49 1,574 7.63 2,262 8.79 2,757 6.33 3,351 7.59 3,784 5.53 4,159 4.79 4,586 5.46 4,926 4.35 5,207 3.59 5,427 2.81 5,677 3.20 5,858 2.31 6,193 4.28 6,438 3.13 6,832 5.04 7,234 5.14 7,470 3.02 7,757 3.67 7,823 0.84

12.49 20.12 28.91 35.24 42.84 48.37 53.16 58.62 62.97 66.56 69.37 72.57 74.88 79.16 82.30 87.33 92.47 95.49 99.16 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

4,460.42 529.70 842.76 954.96 1,640.90 1,675.79 1,717.37 2,621.06 2,674.04 2,257.80 2,113.45 2,830.27 2,584.89 5,493.64 5,226.85 11,167.74 10,992.84 7,001.03 6,465.72 4,596.35

9 0 3 1 3 0 2 5 1 2 0 2 1 8 9 18 23 8 13 0

464.73 0.00 7,219.34 6.71 1,548.35 0.00 1,096.60 1,811.36 1,200.00 62.03 0.00 1,401.23 23.55 1,419.65 3,366.17 18,860.89 18,637.55 778.49 1,737.60 0.00

77,847.56

4,460.42 5.73 5.73 4,990.12 0.68 6.41 5,832.88 1.08 7.49 6,787.84 1.23 8.72 8,428.74 2.11 10.83 10,104.53 2.15 12.98 11,821.89 2.21 15.19 14,442.95 3.37 18.55 17,116.99 3.43 21.99 19,374.79 2.90 24.89 21,488.24 2.71 27.60 24,318.51 3.64 31.24 26,903.40 3.32 34.56 32,397.03 7.06 41.62 37,623.88 6.71 48.33 48,791.62 14.35 62.68 59,784.46 14.12 76.80 66,785.49 8.99 85.79 73,251.21 8.31 94.10 77,847.56 5.90 100.00

108

9 8.33 8.33 9 0.00 8.33 12 2.78 11.11 13 0.93 12.04 16 2.78 14.81 16 0.00 14.81 18 1.85 16.67 23 4.63 21.30 24 0.93 22.22 26 1.85 24.07 26 0.00 24.07 28 1.85 25.93 29 0.93 26.85 37 7.41 34.26 46 8.33 42.59 64 16.67 59.26 87 21.30 80.56 95 7.41 87.96 108 12.04 100.00 108 0.00 100.00

59,634.25

464.73 0.78 0.78 464.73 0.00 0.78 7,684.07 12.11 12.89 7,690.78 0.01 12.90 9,239.14 2.60 15.49 9,239.14 0.00 15.49 10,335.74 1.84 17.33 12,147.10 3.04 20.37 13,347.10 2.01 22.38 13,409.13 0.10 22.49 13,409.13 0.00 22.49 14,810.35 2.35 24.84 14,833.90 0.04 24.87 16,253.55 2.38 27.26 19,619.72 5.64 32.90 38,480.61 31.63 64.53 57,118.16 31.25 95.78 57,896.65 1.31 97.09 59,634.25 2.91 100.00 59,634.25 0.00 100.00

10.42 10.42 0.00 9.31 856.63 131.74 0.70 113.30 94.36 109.61 0.00 91.44 63.85 87.43 69.11 84.10 44.88 77.98 2.75 69.21 0.00 62.40 49.51 60.90 0.91 55.14 25.84 50.17 64.40 52.15 168.89 78.87 169.54 95.54 11.12 86.69 26.87 81.41 0.00 76.60 76.60

Page 114 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 27

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

Nutritional, Drinks and Tobacco

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

4,351 2,317 2,473 1,779 2,072 1,371 1,041 1,145 843 730 515 731 612 1,039 742 1,638 1,744 843 936 341 27,263

4,351 15.96 6,668 8.50 9,141 9.07 10,920 6.53 12,992 7.60 14,363 5.03 15,404 3.82 16,549 4.20 17,392 3.09 18,122 2.68 18,637 1.89 19,368 2.68 19,980 2.24 21,019 3.81 21,761 2.72 23,399 6.01 25,143 6.40 25,986 3.09 26,922 3.43 27,263 1.25

15.96 24.46 33.53 40.05 47.65 52.68 56.50 60.70 63.79 66.47 68.36 71.04 73.29 77.10 79.82 85.83 92.22 95.32 98.75 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 7,949.08 1,098.38 934.37 960.28 1,761.67 1,717.68 1,867.38 2,447.92 2,072.01 1,660.53 2,372.43 2,890.03 2,917.97 6,061.05 5,254.20 14,230.08 17,117.79 8,640.85 8,424.30 4,075.49 94,453.50

7,949.08 8.42 8.42 9,047.47 1.16 9.58 9,981.84 0.99 10.57 10,942.12 1.02 11.58 12,703.79 1.87 13.45 14,421.47 1.82 15.27 16,288.85 1.98 17.25 18,736.78 2.59 19.84 20,808.79 2.19 22.03 22,469.32 1.76 23.79 24,841.76 2.51 26.30 27,731.79 3.06 29.36 30,649.75 3.09 32.45 36,710.80 6.42 38.87 41,964.99 5.56 44.43 56,195.08 15.07 59.49 73,312.87 18.12 77.62 81,953.71 9.15 86.77 90,378.01 8.92 95.69 94,453.50 4.31 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

49 4 1 0 3 13 6 10 8 8 3 10 4 6 11 107 62 29 48 19 401

49 53 54 54 57 70 76 86 94 102 105 115 119 125 136 243 305 334 382 401

12.22 12.22 1.00 13.22 0.25 13.47 0.00 13.47 0.75 14.21 3.24 17.46 1.50 18.95 2.49 21.45 2.00 23.44 2.00 25.44 0.75 26.18 2.49 28.68 1.00 29.68 1.50 31.17 2.74 33.92 26.68 60.60 15.46 76.06 7.23 83.29 11.97 95.26 4.74 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,129.58 110.00 52.97 0.00 986.71 933.09 1,817.95 531.19 779.09 1,269.70 1,031.71 4,402.94 3,767.41 888.69 4,539.92 11,646.24 51,295.47 195,796.43 3,957.52 3,147.19 289,083.80

2,129.58 0.74 2,239.58 0.04 2,292.55 0.02 2,292.55 0.00 3,279.26 0.34 4,212.35 0.32 6,030.30 0.63 6,561.49 0.18 7,340.58 0.27 8,610.28 0.44 9,641.99 0.36 14,044.93 1.52 17,812.33 1.30 18,701.02 0.31 23,240.94 1.57 34,887.19 4.03 86,182.66 17.74 281,979.09 67.73 285,936.61 1.37 289,083.80 1.09

0.74 0.77 0.79 0.79 1.13 1.46 2.09 2.27 2.54 2.98 3.34 4.86 6.16 6.47 8.04 12.07 29.81 97.54 98.91 100.00

26.79 10.02 5.67 0.00 56.01 54.32 97.35 21.70 37.60 76.46 43.49 152.35 129.11 14.66 86.41 81.84 299.66 2265.9 46.98 77.22

26.79 24.75 22.97 20.95 25.81 29.21 37.02 35.02 35.28 38.32 38.81 50.65 58.12 50.94 55.38 62.08 117.55 344.07 316.38 306.06

306.06

Page 115 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 28

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

Power and Heating

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 77 78 14 112 566 2,492 749 294 9 22 8 17 11 45 11 53 71 76 103 131 4,939

77 1.56 155 1.58 169 0.28 281 2.27 847 11.46 3,339 50.46 4,088 15.17 4,382 5.95 4,391 0.18 4,413 0.45 4,421 0.16 4,438 0.34 4,449 0.22 4,494 0.91 4,505 0.22 4,558 1.07 4,629 1.44 4,705 1.54 4,808 2.09 4,939 2.65

1.56 3.14 3.42 5.69 17.15 67.60 82.77 88.72 88.90 89.35 89.51 89.86 90.08 90.99 91.21 92.29 93.72 95.26 97.35 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 828.57 118.33 11.90 9.63 11.89 7.76 34.74 68.74 17.48 27.33 16.33 89.12 15.94 254.73 81.21 620.85 1,148.81 741.31 1,467.09 2,017.63 7,589.40

828.57 946.90 958.80 968.43 980.32 988.08 1,022.82 1,091.57 1,109.05 1,136.38 1,152.71 1,241.83 1,257.77 1,512.50 1,593.71 2,214.56 3,363.36 4,104.68 5,571.77 7,589.40

10.92 10.92 1.56 12.48 0.16 12.63 0.13 12.76 0.16 12.92 0.10 13.02 0.46 13.48 0.91 14.38 0.23 14.61 0.36 14.97 0.22 15.19 1.17 16.36 0.21 16.57 3.36 19.93 1.07 21.00 8.18 29.18 15.14 44.32 9.77 54.08 19.33 73.42 26.58 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 1 1 5.00 5.00 0 1 0.00 5.00 0 1 0.00 5.00 0 1 0.00 5.00 0 1 0.00 5.00 0 1 0.00 5.00 1 2 5.00 10.00 1 3 5.00 15.00 0 3 0.00 15.00 0 3 0.00 15.00 0 3 0.00 15.00 0 3 0.00 15.00 0 3 0.00 15.00 0 3 0.00 15.00 1 4 5.00 20.00 1 5 5.00 25.00 1 6 5.00 30.00 1 7 5.00 35.00 5 12 25.00 60.00 8 20 40.00 100.00 20

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 157.05 0.00 0.00 0.00 0.00 0.00 11.35 4.15 0.00 0.00 0.00 0.00 0.00 0.00 256.25 498.20 11.32 19.51 7,330.31 55,741.36 64,029.49

157.05 0.25 157.05 0.00 157.05 0.00 157.05 0.00 157.05 0.00 157.05 0.00 168.40 0.02 172.55 0.01 172.55 0.00 172.55 0.00 172.55 0.00 172.55 0.00 172.55 0.00 172.55 0.00 428.80 0.40 927.00 0.78 938.32 0.02 957.83 0.03 8,288.13 11.45 64,029.49 87.06

0.25 18.95 18.95 0.25 0.00 16.59 0.25 0.00 16.38 0.25 0.00 16.22 0.25 0.00 16.02 0.25 0.00 15.89 0.26 32.66 16.46 0.27 6.03 15.81 0.27 0.00 15.56 0.27 0.00 15.18 0.27 0.00 14.97 0.27 0.00 13.89 0.27 0.00 13.72 0.27 0.00 11.41 0.67 315.55 26.91 1.45 80.25 41.86 1.47 0.99 27.90 1.50 2.63 23.33 12.94 499.65 148.75 100.00 2762.7 843.67 843.67

Page 116 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 29

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotel, Entertainment, Sport and Services The Caring Services,

BAND

SUM INSURED Mid Points (In Million) From To

Motor Vehicle Repair Shop, Private Building, Propierty of Public Bodies NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

150,903 147,093 184,238 114,866 125,282 64,114 44,722 34,927 19,251 10,180 7,865 8,935 5,742 6,901 3,959 5,825 4,070 1,636 2,131 635

260 115 171 108 194 107 112 115 96 60 51 59 67 66 31 109 126 86 150 154

943,275

150,903 297,996 482,234 597,100 722,382 786,496 831,218 866,145 885,396 895,576 903,441 912,376 918,118 925,019 928,978 934,803 938,873 940,509 942,640 943,275

16.00 15.59 19.53 12.18 13.28 6.80 4.74 3.70 2.04 1.08 0.83 0.95 0.61 0.73 0.42 0.62 0.43 0.17 0.23 0.07

16.00 31.59 51.12 63.30 76.58 83.38 88.12 91.82 93.86 94.94 95.78 96.72 97.33 98.06 98.48 99.10 99.53 99.71 99.93 100.0

91,882.35 35,084.79 71,145.09 69,168.72 118,269.17 86,902.93 80,947.04 82,203.31 58,419.83 36,824.95 33,449.49 43,980.05 34,240.35 46,937.07 32,205.30 65,441.66 55,941.71 29,107.41 43,572.19 102,578.58 1,218,302.0

91,882.35 126,967.14 198,112.23 267,280.95 385,550.12 472,453.06 553,400.10 635,603.41 694,023.24 730,848.19 764,297.68 808,277.73 842,518.08 889,455.15 921,660.45 987,102.11 1,043,043.82 1,072,151.23 1,115,723.42 1,218,302.00

7.54 7.54 2.88 10.42 5.84 16.26 5.68 21.94 9.71 31.65 7.13 38.78 6.64 45.42 6.75 52.17 4.80 56.97 3.02 59.99 2.75 62.73 3.61 66.34 2.81 69.16 3.85 73.01 2.64 75.65 5.37 81.02 4.59 85.61 2.39 88.00 3.58 91.58 8.42 100.00

2,237

260 11.62 11.62 375 5.14 16.76 546 7.64 24.41 654 4.83 29.24 848 8.67 37.91 955 4.78 42.69 1,06 5.01 47.70 1,18 5.14 52.84 1,27 4.29 57.13 1,33 2.68 59.81 1,38 2.28 62.09 1,44 2.64 64.73 1,51 3.00 67.72 1,58 2.95 70.68 1,61 1.39 72.06 1,72 4.87 76.93 1,84 5.63 82.57 1,93 3.84 86.41 2,08 6.71 93.12 2,23 6.88 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 75,550.94 5,544.41 10,853.93 9,068.23 16,882.45 12,567.82 16,284.55 28,308.73 23,371.41 16,120.36 5,248.40 28,546.22 8,469.73 9,405.70 3,926.19 50,714.39 49,924.75 45,841.96 27,481.97 123,317.96

75,550.94 13.31 13.31 82.23 81,095.34 0.98 14.29 15.80 91,949.27 1.91 16.20 15.26 101,017.51 1.60 17.80 13.11 117,899.95 2.98 20.78 14.27 130,467.77 2.21 22.99 14.46 146,752.33 2.87 25.86 20.12 175,061.06 4.99 30.85 34.44 198,432.46 4.12 34.97 40.01 214,552.82 2.84 37.81 43.78 219,801.23 0.92 38.74 15.69 248,347.45 5.03 43.77 64.91 256,817.18 1.49 45.26 24.74 266,222.88 1.66 46.92 20.04 270,149.07 0.69 47.61 12.19 320,863.46 8.94 56.55 77.50 370,788.21 8.80 65.35 89.24 416,630.17 8.08 73.42 157.49 444,112.14 4.84 78.27 63.07 567,430.10 21.73 100.00 120.22

567,430.10

46.58

82.23 63.87 46.41 37.79 30.58 27.61 26.52 27.54 28.59 29.36 28.76 30.73 30.48 29.93 29.31 32.51 35.55 38.86 39.80 46.58

Page 117 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 30

DATA POSITION FROM : TO PROCESSING

01/01/2008

15/12/2009

DATE :

15/03/2010

Estate Plantation Risk

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

90 11 16 12 11 19 8 6 5 6 1 5 6 3 1 5 5 1 0 0

61.65 4.89 20.47 36.45 54.59 36.60 31.63 35.22 22.34 41.84 11.83 126.09 86.83 62.47 19.43 176.68 445.29 143.29 0.00 0.00

211

90 42.65 101 5.21 117 7.58 129 5.69 140 5.21 159 9.00 167 3.79 173 2.84 178 2.37 184 2.84 185 0.47 190 2.37 196 2.84 199 1.42 200 0.47 205 2.37 210 2.37 211 0.47 211 0.00 211 0.00

42.65 47.87 55.45 61.14 66.35 75.36 79.15 81.99 84.36 87.20 87.68 90.05 92.89 94.31 94.79 97.16 99.53 100.00 100.00 100.00

1,417.60

61.65 66.54 87.01 123.47 178.06 214.66 246.29 281.51 303.85 345.69 357.52 483.61 570.43 632.90 652.33 829.01 1,274.30 1,417.60 1,417.60 1,417.60

4.35 0.35 1.44 2.57 3.85 2.58 2.23 2.48 1.58 2.95 0.83 8.89 6.12 4.41 1.37 12.46 31.41 10.11 0.00 0.00

4.35 4.69 6.14 8.71 12.56 15.14 17.37 19.86 21.43 24.39 25.22 34.11 40.24 44.65 46.02 58.48 89.89 100.00 100.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2

1 50.00 2 50.00 2 0.00 2 0.00 2 0.00 2 0.00 2 0.00 2 0.00 2 0.00 2 0.00 2 0.00 2 0.00 2 0.00 2 0.00 2 0.00 2 0.00 2 0.00 2 0.00 2 0.00 2 0.00

50.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.85 6.60 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 0.00 0.00 0.00 7.46

0.85 11.44 7.46 88.56 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00 7.46 0.00

11.44 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM 1.38 135.03 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 0.00 0.00

1.38 11.21 8.57 6.04 4.19 3.47 3.03 2.65 2.45 2.16 2.09 1.54 1.31 1.18 1.14 0.90 0.59 0.53 0.53 0.53

0.53

Page 118 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

Estate Plantation Risk

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 71 33 23 13 34 19 26 31 22 8 9 34 8 38 16 41 76 63 52 17 634

71 11.20 104 5.21 127 3.63 140 2.05 174 5.36 193 3.00 219 4.10 250 4.89 272 3.47 280 1.26 289 1.42 323 5.36 331 1.26 369 5.99 385 2.52 426 6.47 502 11.99 565 9.94 617 8.20 634 2.68

11.20 16.40 20.03 22.08 27.44 30.44 34.54 39.43 42.90 44.16 45.58 50.95 52.21 58.20 60.73 67.19 79.18 89.12 97.32 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 368.23 118.40 18.24 8.24 29.03 24.27 75.37 289.63 72.01 29.44 62.53 157.52 30.45 342.85 183.40 1,763.90 1,729.06 2,672.58 6,419.32 1,952.12 16,346.60

368.23 486.63 504.87 513.10 542.14 566.41 641.78 931.40 1,003.41 1,032.85 1,095.39 1,252.91 1,283.36 1,626.21 1,809.61 3,573.51 5,302.57 7,975.15 14,394.48 16,346.60

2.25 2.25 0.72 2.98 0.11 3.09 0.05 3.14 0.18 3.32 0.15 3.46 0.46 3.93 1.77 5.70 0.44 6.14 0.18 6.32 0.38 6.70 0.96 7.66 0.19 7.85 2.10 9.95 1.12 11.07 10.79 21.86 10.58 32.44 16.35 48.79 39.27 88.06 11.94 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 1 0 1 0 0 3 0 0 0 1 0 1 2 0 2 2 4 0 17

0 0 1 1 2 2 2 5 5 5 5 6 6 7 9 9 11 13 17 17

0.00 0.00 0.00 0.00 5.88 5.88 0.00 5.88 5.88 11.76 0.00 11.76 0.00 11.76 17.65 29.41 0.00 29.41 0.00 29.41 0.00 29.41 5.88 35.29 0.00 35.29 5.88 41.18 11.76 52.94 0.00 52.94 11.76 64.71 11.76 76.47 23.53 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 2.41 0.00 4.11 0.00 0.00 132.90 0.00 0.00 0.00 41.06 0.00 57.69 214.82 0.00 12.64 209.56 34.47 0.00 709.64

0.00 0.00 2.41 2.41 6.52 6.52 6.52 139.41 139.41 139.41 139.41 180.47 180.47 238.16 452.98 452.98 465.62 675.18 709.64 709.64

0.00 0.00 0.34 0.00 0.58 0.00 0.00 18.73 0.00 0.00 0.00 5.79 0.00 8.13 30.27 0.00 1.78 29.53 4.86 0.00

LOSS RATIO PERCENTAGE BAND CUM

0.00 0.00 0.00 0.00 0.34 13.22 0.34 0.00 0.92 14.14 0.92 0.00 0.92 0.00 19.65 45.89 19.65 0.00 19.65 0.00 19.65 0.00 25.43 26.06 25.43 0.00 33.56 16.83 63.83 117.13 63.83 0.00 65.61 0.73 95.14 7.84 100.00 0.54 100.00 0.00

0.00 0.00 0.48 0.47 1.20 1.15 1.02 14.97 13.89 13.50 12.73 14.40 14.06 14.65 25.03 12.68 8.78 8.47 4.93 4.34

4.34

Page 119 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 32

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

Recreation Place

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 15 10 9 2 10 1 1 3 1 3 1 1 1 10 1 12 15 8 4 0 108

15 13.89 25 9.26 34 8.33 36 1.85 46 9.26 47 0.93 48 0.93 51 2.78 52 0.93 55 2.78 56 0.93 57 0.93 58 0.93 68 9.26 69 0.93 81 11.11 96 13.89 104 7.41 108 3.70 108 0.00

13.89 23.15 31.48 33.33 42.59 43.52 44.44 47.22 48.15 50.93 51.85 52.78 53.70 62.96 63.89 75.00 88.89 96.30 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6.39 28.84 11.91 1.74 8.03 5.48 5.48 16.43 9.96 30.80 9.62 0.00 22.58 243.14 6.30 307.63 748.10 753.27 105.70 0.00 2,321.37

6.39 35.22 47.13 48.88 56.91 62.38 67.86 84.28 94.24 125.03 134.65 134.65 157.23 400.37 406.67 714.30 1,462.40 2,215.67 2,321.37 2,321.37

0.28 0.28 1.24 1.52 0.51 2.03 0.08 2.11 0.35 2.45 0.24 2.69 0.24 2.92 0.71 3.63 0.43 4.06 1.33 5.39 0.41 5.80 0.00 5.80 0.97 6.77 10.47 17.25 0.27 17.52 13.25 30.77 32.23 63.00 32.45 95.45 4.55 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 2 1 0 6

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 3 50.00 50.00 5 33.33 83.33 6 16.67 100.00 6 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 0.00 554.00 282.56 150.00 0.00 986.56

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 554.00 56.15 836.56 28.64 986.56 15.20 986.56 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 56.15 74.05 84.80 37.51 100.00 141.91 100.00 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 37.88 37.76 42.50 42.50

42.50

Page 120 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 40

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

Non Estate Plantation Risk

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,469 172 97 36 43 31 23 24 21 11 10 16 10 21 16 38 41 23 7 0 2,109

1,469 69.65 1,641 8.16 1,738 4.60 1,774 1.71 1,817 2.04 1,848 1.47 1,871 1.09 1,895 1.14 1,916 1.00 1,927 0.52 1,937 0.47 1,953 0.76 1,963 0.47 1,984 1.00 2,000 0.76 2,038 1.80 2,079 1.94 2,102 1.09 2,109 0.33 2,109 0.00

69.65 77.81 82.41 84.12 86.15 87.62 88.72 89.85 90.85 91.37 91.84 92.60 93.08 94.07 94.83 96.63 98.58 99.67 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 329.73 62.07 97.92 51.27 85.22 54.99 52.73 57.38 85.32 46.72 74.35 128.39 140.52 273.87 489.36 1,472.57 1,784.70 676.55 212.48 0.00 6,176.15

329.73 5.34 5.34 391.80 1.00 6.34 489.71 1.59 7.93 540.99 0.83 8.76 626.21 1.38 10.14 681.20 0.89 11.03 733.93 0.85 11.88 791.31 0.93 12.81 876.63 1.38 14.19 923.35 0.76 14.95 997.69 1.20 16.15 1,126.09 2.08 18.23 1,266.61 2.28 20.51 1,540.48 4.43 24.94 2,029.84 7.92 32.87 3,502.41 23.84 56.71 5,287.11 28.90 85.61 5,963.66 10.95 96.56 6,176.15 3.44 100.00 6,176.15 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 1 3 0 2 0 0 0 6

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 16.67 16.67 4 50.00 66.67 4 0.00 66.67 6 33.33 100.00 6 0.00 100.00 6 0.00 100.00 6 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 12.51 281.76 0.00 2,296.43 0.00 0.00 0.00 2,590.70

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.51 0.48 294.27 10.88 294.27 0.00 2,590.70 88.64 2,590.70 0.00 2,590.70 0.00 2,590.70 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.48 4.57 11.36 57.58 11.36 0.00 100.00 128.67 100.00 0.00 100.00 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 0.81 14.50 8.40 49.00 43.44 41.95 41.95

41.95

Page 121 of 204

RISK AND LOSS PROFILE 2008 GROUP BY PROVINCE

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

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 01 - NANGROE ACEH DARUSSALAM

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,164 1,565 2,144 1,317 1,126 447 355 194 107 36 28 30 28 31 16 20 26 13 9 17 8,673

1,164 2,729 4,873 6,190 7,316 7,763 8,118 8,312 8,419 8,455 8,483 8,513 8,541 8,572 8,588 8,608 8,634 8,647 8,656 8,673

13.42 18.04 24.72 15.19 12.98 5.15 4.09 2.24 1.23 0.42 0.32 0.35 0.32 0.36 0.18 0.23 0.30 0.15 0.10 0.20

13.42 31.47 56.19 71.37 84.35 89.51 93.60 95.84 97.07 97.49 97.81 98.16 98.48 98.84 99.02 99.25 99.55 99.70 99.80 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 294.35 616.43 1,508.29 1,527.00 1,795.39 1,037.57 990.62 688.88 459.21 174.95 129.45 180.64 153.79 241.34 189.53 273.60 785.25 400.99 52.98 462.06 11,962.32

294.35 2.46 2.46 910.77 5.15 7.61 2,419.06 12.61 20.22 3,946.06 12.77 32.99 5,741.45 15.01 48.00 6,779.02 8.67 56.67 7,769.64 8.28 64.95 8,458.52 5.76 70.71 8,917.73 3.84 74.55 9,092.68 1.46 76.01 9,222.13 1.08 77.09 9,402.78 1.51 78.60 9,556.57 1.29 79.89 9,797.91 2.02 81.91 9,987.44 1.58 83.49 10,261.04 2.29 85.78 11,046.29 6.56 92.34 11,447.28 3.35 95.69 11,500.26 0.44 96.14 11,962.32 3.86 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 5 1 0 1 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 8

5 6 6 7 7 7 7 7 7 8 8 8 8 8 8 8 8 8 8 8

62.50 12.50 0.00 12.50 0.00 0.00 0.00 0.00 0.00 12.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

62.50 75.00 75.00 87.50 87.50 87.50 87.50 87.50 87.50 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 201.24 72.00 0.00 230.54 0.00 0.00 0.00 0.00 0.00 47.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 551.00

201.24 36.52 273.24 13.07 273.24 0.00 503.78 41.84 503.78 0.00 503.78 0.00 503.78 0.00 503.78 0.00 503.78 0.00 551.00 8.57 551.00 0.00 551.00 0.00 551.00 0.00 551.00 0.00 551.00 0.00 551.00 0.00 551.00 0.00 551.00 0.00 551.00 0.00 551.00 0.00

36.52 49.59 49.59 91.43 91.43 91.43 91.43 91.43 91.43 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

68.37 11.68 0.00 15.10 0.00 0.00 0.00 0.00 0.00 26.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

68.37 30.00 11.30 12.77 8.77 7.43 6.48 5.96 5.65 6.06 5.97 5.86 5.77 5.62 5.52 5.37 4.99 4.81 4.79 4.61

4.61

Page 122 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 02 - SUMATERA UTARA

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

1 0 50 25 8,954 8,954 13.45 2 50 100 75 8,500 17,454 12.76 3 100 200 150 14,671 32,125 22.03 4 200 300 250 9,803 41,928 14.72 5 300 500 400 9,704 51,632 14.57 6.33 6 500 750 625 4,217 55,849 4.40 7 750 1,000 875 2,931 58,780 3.13 8 1,000 1,500 1,250 2,086 60,866 1.73 9 1,500 2,000 1,750 1,151 62,017 641 62,658 0.96 10 2,000 2,500 2,250 526 63,184 0.79 11 2,500 3,000 2,750 571 63,755 0.86 12 3,000 4,000 3,500 421 64,176 0.63 13 4,000 5,000 4,500 517 64,693 0.78 14 5,000 7,500 6,250 292 64,985 0.44 15 7,500 10,000 8,750 524 65,509 0.79 16 10,000 20,000 15,000 515 66,024 0.77 17 20,000 50,000 35,000 247 66,271 0.37 18 50,000 100,000 75,000 240 66,511 0.36 19 100,000 500,000 300,000 78 66,589 0.12 20 500,000 Up TOTAL

66,589

13.45 26.21 48.24 62.97 77.54 83.87 88.27 91.41 93.13 94.10 94.89 95.74 96.38 97.15 97.59 98.38 99.15 99.52 99.88 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5,316.04 1,947.66 5,161.57 5,627.71 8,965.65 5,480.21 5,760.89 5,443.45 4,109.72 2,634.21 2,591.17 3,235.69 3,070.89 4,301.71 3,435.89 7,485.06 8,187.66 4,820.99 2,730.25 2,226.57 92,532.99

5,316.04 7,263.70 12,425.27 18,052.98 27,018.63 32,498.84 38,259.73 43,703.18 47,812.90 50,447.11 53,038.29 56,273.98 59,344.86 63,646.57 67,082.47 74,567.53 82,755.19 87,576.17 90,306.42 92,532.99

5.75 5.75 2.10 7.85 5.58 13.43 6.08 19.51 9.69 29.20 5.92 35.12 6.23 41.35 5.88 47.23 4.44 51.67 2.85 54.52 2.80 57.32 3.50 60.82 3.32 64.13 4.65 68.78 3.71 72.50 8.09 80.58 8.85 89.43 5.21 94.64 2.95 97.59 2.41 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

32 7 7 5 9 15 5 11 4 2 2 8 6 7 5 15 16 14 21 1

32 16.67 16.67 4,510.82 39 3.65 20.31 324.61 46 3.65 23.96 178.04 51 2.60 26.56 258.63 60 4.69 31.25 1,416.15 75 7.81 39.06 1,624.53 80 2.60 41.67 550.86 91 5.73 47.40 3,327.34 95 2.08 49.48 4,785.19 97 1.04 50.52 482.67 99 1.04 51.56 1,351.00 107 4.17 55.73 3,560.01 113 3.13 58.85 190.77 120 3.65 62.50 1,137.02 125 2.60 65.10 3,314.73 140 7.81 72.92 3,612.48 156 8.33 81.25 7,197.08 170 7.29 88.54 194,109.2 191 10.94 99.48 13,271.53 192 0.52 100.00 0.00

192

245,202.7

4,510.82 1.84 4,835.43 0.13 5,013.47 0.07 5,272.10 0.11 6,688.25 0.58 8,312.79 0.66 8,863.65 0.22 12,190.99 1.36 16,976.17 1.95 17,458.84 0.20 18,809.84 0.55 22,369.86 1.45 22,560.63 0.08 23,697.65 0.46 27,012.38 1.35 30,624.87 1.47 37,821.94 2.94 231,931.1 79.16 245,202.7 5.41 245,202.7 0.00

1.84 1.97 2.04 2.15 2.73 3.39 3.61 4.97 6.92 7.12 7.67 9.12 9.20 9.66 11.02 12.49 15.42 94.59 100.00 100.00

84.85 84.85 16.67 66.57 3.45 40.35 4.60 29.20 15.80 24.75 29.64 25.58 9.56 23.17 61.13 27.89 116.44 35.51 18.32 34.61 52.14 35.46 110.02 39.75 6.21 38.02 26.43 37.23 96.47 40.27 48.26 41.07 87.90 45.70 4026.3 264.83 486.09 271.52 0.00 264.99 264.99

Page 123 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 03 - SUMATERA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,650 4,420 7,055 4,059 3,552 1,410 1,027 590 400 205 189 208 143 146 94 124 97 59 44 14 26,486

2,650 7,070 14,125 18,184 21,736 23,146 24,173 24,763 25,163 25,368 25,557 25,765 25,908 26,054 26,148 26,272 26,369 26,428 26,472 26,486

10.01 16.69 26.64 15.33 13.41 5.32 3.88 2.23 1.51 0.77 0.71 0.79 0.54 0.55 0.35 0.47 0.37 0.22 0.17 0.05

10.01 26.69 53.33 68.66 82.07 87.39 91.27 93.49 95.00 95.78 96.49 97.28 97.82 98.37 98.72 99.19 99.56 99.78 99.95 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 723.41 847.94 1,971.97 1,887.96 3,181.32 2,121.70 2,179.76 1,570.90 1,271.45 1,011.17 537.48 781.07 514.73 573.03 297.46 1,194.82 1,340.88 942.69 1,034.58 755.55 24,739.86

723.41 2.92 2.92 1,571.35 3.43 6.35 3,543.31 7.97 14.32 5,431.28 7.63 21.95 8,612.60 12.86 34.81 10,734.30 8.58 43.39 12,914.06 8.81 52.20 14,484.96 6.35 58.55 15,756.41 5.14 63.69 16,767.58 4.09 67.78 17,305.06 2.17 69.95 18,086.13 3.16 73.11 18,600.86 2.08 75.19 19,173.89 2.32 77.50 19,471.34 1.20 78.70 20,666.16 4.83 83.53 22,007.04 5.42 88.95 22,949.74 3.81 92.76 23,984.32 4.18 96.95 24,739.86 3.05 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 4 6 10 13 9 7 11 8 6 4 4 1 2 1 0 1 3 6 0 0 96

4 4.17 4.17 10 6.25 10.42 20 10.42 20.83 33 13.54 34.38 42 9.38 43.75 49 7.29 51.04 60 11.46 62.50 68 8.33 70.83 74 6.25 77.08 78 4.17 81.25 82 4.17 85.42 83 1.04 86.46 85 2.08 88.54 86 1.04 89.58 86 0.00 89.58 87 1.04 90.63 90 3.13 93.75 96 6.25 100.00 96 0.00 100.00 96 0.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,734.89 246.06 579.82 2,216.41 1,757.05 3,649.84 5,918.05 6,295.96 9,200.00 6,075.00 1,607.74 3,412.50 675.00 500.00 0.00 981.50 46,245.22 31,596.37 0.00 0.00 123,691.40

2,734.89 2.21 2,980.95 0.20 3,560.77 0.47 5,777.18 1.79 7,534.22 1.42 11,184.06 2.95 17,102.11 4.78 23,398.08 5.09 32,598.08 7.44 38,673.08 4.91 40,280.82 1.30 43,693.32 2.76 44,368.32 0.55 44,868.32 0.40 44,868.32 0.00 45,849.82 0.79 92,095.03 37.39 123,691.40 25.54 123,691.40 0.00 123,691.40 0.00

2.21 2.41 2.88 4.67 6.09 9.04 13.83 18.92 26.35 31.27 32.57 35.32 35.87 36.27 36.27 37.07 74.46 100.00 100.00 100.00

378.06 29.02 29.40 117.40 55.23 172.02 271.50 400.79 723.58 600.79 299.13 436.90 131.14 87.26 0.00 82.15 3448.8 3351.7 0.00 0.00

378.06 189.71 100.49 106.37 87.48 104.19 132.43 161.53 206.89 230.64 232.77 241.58 238.53 234.01 230.43 221.86 418.48 538.97 515.72 499.97

499.97

Page 124 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 04 - RIAU

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,445 5,321 7,612 4,811 4,627 1,833 1,100 796 371 257 151 180 120 188 97 177 184 155 167 63 33,655

5,445 10,766 18,378 23,189 27,816 29,649 30,749 31,545 31,916 32,173 32,324 32,504 32,624 32,812 32,909 33,086 33,270 33,425 33,592 33,655

DATA POSITION FROM

16.18 15.81 22.62 14.30 13.75 5.45 3.27 2.37 1.10 0.76 0.45 0.53 0.36 0.56 0.29 0.53 0.55 0.46 0.50 0.19

16.18 31.99 54.61 68.90 82.65 88.10 91.37 93.73 94.83 95.60 96.05 96.58 96.94 97.50 97.78 98.31 98.86 99.32 99.81 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,843.86 1,278.94 3,313.68 3,614.01 5,788.40 3,439.48 3,079.51 2,517.98 1,657.41 1,045.23 776.92 1,125.37 926.06 1,356.67 797.73 2,529.41 3,551.20 1,761.66 3,606.75 693.93 45,704.19

2,843.86 6.22 6.22 4,122.81 2.80 9.02 7,436.48 7.25 16.27 11,050.49 7.91 24.18 16,838.89 12.66 36.84 20,278.36 7.53 44.37 23,357.87 6.74 51.11 25,875.85 5.51 56.62 27,533.26 3.63 60.24 28,578.48 2.29 62.53 29,355.41 1.70 64.23 30,480.78 2.46 66.69 31,406.85 2.03 68.72 32,763.51 2.97 71.69 33,561.24 1.75 73.43 36,090.65 5.53 78.97 39,641.85 7.77 86.74 41,403.51 3.85 90.59 45,010.26 7.89 98.48 45,704.19 1.52 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 8 9 7 4 5 4 6 7 2 4 0 3 0 0 2 0 7 4 0 0 72

8 11.11 11.11 17 12.50 23.61 24 9.72 33.33 28 5.56 38.89 33 6.94 45.83 37 5.56 51.39 43 8.33 59.72 50 9.72 69.44 52 2.78 72.22 56 5.56 77.78 56 0.00 77.78 59 4.17 81.94 59 0.00 81.94 59 0.00 81.94 61 2.78 84.72 61 0.00 84.72 68 9.72 94.44 72 5.56 100.00 72 0.00 100.00 72 0.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 563.65 640.82 437.33 408.82 415.80 201.38 1,730.46 1,001.71 173.00 4,565.47 0.00 3,552.34 0.00 0.00 289.07 0.00 2,348.13 150.16 0.00 0.00 16,478.13

563.65 1,204.46 1,641.79 2,050.61 2,466.42 2,667.79 4,398.25 5,399.96 5,572.96 10,138.44 10,138.44 13,690.78 13,690.78 13,690.78 13,979.85 13,979.85 16,327.98 16,478.13 16,478.13 16,478.13

3.42 3.89 2.65 2.48 2.52 1.22 10.50 6.08 1.05 27.71 0.00 21.56 0.00 0.00 1.75 0.00 14.25 0.91 0.00 0.00

3.42 19.82 7.31 50.11 9.96 13.20 12.44 11.31 14.97 7.18 16.19 5.85 26.69 56.19 32.77 39.78 33.82 10.44 61.53 436.79 61.53 0.00 83.08 315.66 83.08 0.00 83.08 0.00 84.84 36.24 84.84 0.00 99.09 66.12 100.00 8.52 100.00 0.00 100.00 0.00

19.82 29.21 22.08 18.56 14.65 13.16 18.83 20.87 20.24 35.48 34.54 44.92 43.59 41.79 41.65 38.74 41.19 39.80 36.61 36.05

36.05

Page 125 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 05 - JAMBI

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,135 2,647 3,067 1,707 1,496 591 346 267 141 89 43 56 46 54 40 40 59 39 38 10 12,911

2,135 4,782 7,849 9,556 11,052 11,643 11,989 12,256 12,397 12,486 12,529 12,585 12,631 12,685 12,725 12,765 12,824 12,863 12,901 12,911

DATA POSITION FROM

16.54 20.50 23.75 13.22 11.59 4.58 2.68 2.07 1.09 0.69 0.33 0.43 0.36 0.42 0.31 0.31 0.46 0.30 0.29 0.08

16.54 37.04 60.79 74.01 85.60 90.18 92.86 94.93 96.02 96.71 97.04 97.48 97.83 98.25 98.56 98.87 99.33 99.63 99.92 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 500.55 742.89 1,666.12 1,459.37 1,941.47 1,153.40 870.25 898.12 727.17 322.56 189.20 365.39 276.88 480.43 756.57 659.45 767.34 841.14 890.79 69.72 15,578.82

500.55 3.21 3.21 1,243.44 4.77 7.98 2,909.56 10.69 18.68 4,368.93 9.37 28.04 6,310.41 12.46 40.51 7,463.81 7.40 47.91 8,334.06 5.59 53.50 9,232.17 5.76 59.26 9,959.34 4.67 63.93 10,281.90 2.07 66.00 10,471.10 1.21 67.21 10,836.50 2.35 69.56 11,113.37 1.78 71.34 11,593.81 3.08 74.42 12,350.37 4.86 79.28 13,009.83 4.23 83.51 13,777.17 4.93 88.44 14,618.31 5.40 93.83 15,509.10 5.72 99.55 15,578.82 0.45 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 3 2 4 1 2 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 14

3 5 9 10 12 12 12 12 12 12 12 12 12 12 12 12 13 14 14 14

21.43 21.43 14.29 35.71 28.57 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 0.00 85.71 0.00 85.71 0.00 85.71 7.14 92.86 7.14 100.00 0.00 100.00 0.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 56.92 69.00 444.74 73.80 616.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.94 128.68 0.00 0.00 1,390.45

56.92 4.09 125.92 4.96 570.66 31.99 644.46 5.31 1,260.82 44.33 1,260.82 0.00 1,260.82 0.00 1,260.82 0.00 1,260.82 0.00 1,260.82 0.00 1,260.82 0.00 1,260.82 0.00 1,260.82 0.00 1,260.82 0.00 1,260.82 0.00 1,260.82 0.00 1,261.76 0.07 1,390.45 9.25 1,390.45 0.00 1,390.45 0.00

4.09 9.06 41.04 46.35 90.68 90.68 90.68 90.68 90.68 90.68 90.68 90.68 90.68 90.68 90.68 90.68 90.75 100.00 100.00 100.00

11.37 9.29 26.69 5.06 31.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.12 15.30 0.00 0.00

11.37 10.13 19.61 14.75 19.98 16.89 15.13 13.66 12.66 12.26 12.04 11.63 11.35 10.87 10.21 9.69 9.16 9.51 8.97 8.93

8.93

Page 126 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 06 - SUMATERA SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,911 3,707 5,063 3,362 2,973 1,520 1,071 779 384 267 152 159 111 129 92 169 137 98 109 65 24,258

3,911 7,618 12,681 16,043 19,016 20,536 21,607 22,386 22,770 23,037 23,189 23,348 23,459 23,588 23,680 23,849 23,986 24,084 24,193 24,258

16.12 15.28 20.87 13.86 12.26 6.27 4.42 3.21 1.58 1.10 0.63 0.66 0.46 0.53 0.38 0.70 0.56 0.40 0.45 0.27

16.12 31.40 52.28 66.13 78.39 84.66 89.07 92.28 93.87 94.97 95.59 96.25 96.71 97.24 97.62 98.31 98.88 99.28 99.73 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,136.97 988.59 1,985.60 2,040.92 3,161.00 2,226.55 2,299.61 2,107.76 1,345.65 1,035.33 727.62 848.77 585.77 1,092.01 761.82 1,927.89 2,341.96 2,038.33 2,053.20 845.35 32,550.72

2,136.97 3,125.56 5,111.16 7,152.08 10,313.08 12,539.64 14,839.25 16,947.01 18,292.66 19,327.99 20,055.62 20,904.39 21,490.16 22,582.17 23,343.99 25,271.88 27,613.84 29,652.17 31,705.37 32,550.72

6.57 6.57 3.04 9.60 6.10 15.70 6.27 21.97 9.71 31.68 6.84 38.52 7.06 45.59 6.48 52.06 4.13 56.20 3.18 59.38 2.24 61.61 2.61 64.22 1.80 66.02 3.35 69.38 2.34 71.72 5.92 77.64 7.19 84.83 6.26 91.10 6.31 97.40 2.60 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 4 1 5 2 2 1 0 2 2 1 0 0 1 2 1 2 6 3 31 3 69

4 5.80 5.80 5 1.45 7.25 10 7.25 14.49 12 2.90 17.39 14 2.90 20.29 15 1.45 21.74 15 0.00 21.74 17 2.90 24.64 19 2.90 27.54 20 1.45 28.99 20 0.00 28.99 20 0.00 28.99 21 1.45 30.43 23 2.90 33.33 24 1.45 34.78 26 2.90 37.68 32 8.70 46.38 35 4.35 50.72 66 44.93 95.65 69 4.35 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 437.81 2.45 699.52 76.48 539.73 265.06 0.00 90.28 241.53 208.95 0.00 0.00 50.00 44.90 4.80 3,394.26 2,845.82 182.43 1,090.21 5.80 10,180.04

437.81 4.30 440.25 0.02 1,139.77 6.87 1,216.25 0.75 1,755.99 5.30 2,021.05 2.60 2,021.05 0.00 2,111.33 0.89 2,352.86 2.37 2,561.82 2.05 2,561.82 0.00 2,561.82 0.00 2,611.82 0.49 2,656.71 0.44 2,661.51 0.05 6,055.78 33.34 8,901.60 27.95 9,084.03 1.79 10,174.24 10.71 10,180.04 0.06

4.30 20.49 4.32 0.25 11.20 35.23 11.95 3.75 17.25 17.07 19.85 11.90 19.85 0.00 20.74 4.28 23.11 17.95 25.17 20.18 25.17 0.00 25.17 0.00 25.66 8.54 26.10 4.11 26.14 0.63 59.49 176.06 87.44 121.51 89.23 8.95 99.94 53.10 100.00 0.69

20.49 14.09 22.30 17.01 17.03 16.12 13.62 12.46 12.86 13.25 12.77 12.25 12.15 11.76 11.40 23.96 32.24 30.64 32.09 31.27

31.27

Page 127 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 07 - BENGKULU

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,425 1,583 1,639 896 669 286 147 93 54 28 21 32 23 18 12 16 27 13 5 4 6,991

1,425 3,008 4,647 5,543 6,212 6,498 6,645 6,738 6,792 6,820 6,841 6,873 6,896 6,914 6,926 6,942 6,969 6,982 6,987 6,991

20.38 22.64 23.44 12.82 9.57 4.09 2.10 1.33 0.77 0.40 0.30 0.46 0.33 0.26 0.17 0.23 0.39 0.19 0.07 0.06

DATA POSITION FROM

20.38 43.03 66.47 79.29 88.86 92.95 95.05 96.38 97.15 97.55 97.85 98.31 98.64 98.90 99.07 99.30 99.69 99.87 99.94 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 419.48 379.27 752.37 580.01 830.97 463.20 365.36 238.78 190.56 133.97 122.35 292.13 108.45 81.30 280.05 182.58 402.07 210.04 104.94 27.83 6,165.70

419.48 6.80 6.80 798.75 6.15 12.95 1,551.13 12.20 25.16 2,131.14 9.41 34.56 2,962.11 13.48 48.04 3,425.31 7.51 55.55 3,790.66 5.93 61.48 4,029.44 3.87 65.35 4,220.00 3.09 68.44 4,353.97 2.17 70.62 4,476.32 1.98 72.60 4,768.45 4.74 77.34 4,876.90 1.76 79.10 4,958.19 1.32 80.42 5,238.24 4.54 84.96 5,420.82 2.96 87.92 5,822.89 6.52 94.44 6,032.93 3.41 97.85 6,137.87 1.70 99.55 6,165.70 0.45 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 3 1 3 1 2 1 0 0 1 0 0 0 1 0 0 0 0 0 0 0 13

3 23.08 23.08 4 7.69 30.77 7 23.08 53.85 8 7.69 61.54 10 15.38 76.92 11 7.69 84.62 11 0.00 84.62 11 0.00 84.62 12 7.69 92.31 12 0.00 92.31 12 0.00 92.31 12 0.00 92.31 13 7.69 100.00 13 0.00 100.00 13 0.00 100.00 13 0.00 100.00 13 0.00 100.00 13 0.00 100.00 13 0.00 100.00 13 0.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 140.00 21.29 90.22 6.62 327.14 15.27 0.00 0.00 5.23 0.00 0.00 0.00 45.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 651.12

140.00 21.50 161.29 3.27 251.51 13.86 258.13 1.02 585.27 50.24 600.54 2.34 600.54 0.00 600.54 0.00 605.76 0.80 605.76 0.00 605.76 0.00 605.76 0.00 651.12 6.97 651.12 0.00 651.12 0.00 651.12 0.00 651.12 0.00 651.12 0.00 651.12 0.00 651.12 0.00

21.50 24.77 38.63 39.64 89.89 92.23 92.23 92.23 93.03 93.03 93.03 93.03 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

33.37 5.61 11.99 1.14 39.37 3.30 0.00 0.00 2.74 0.00 0.00 0.00 41.83 0.00 0.00 0.00 0.00 0.00 0.00 0.00

33.37 20.19 16.21 12.11 19.76 17.53 15.84 14.90 14.35 13.91 13.53 12.70 13.35 13.13 12.43 12.01 11.18 10.79 10.61 10.56

10.56

Page 128 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 08 - LAMPUNG

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,382 3,151 3,622 2,203 2,134 1,058 702 546 347 174 157 159 149 212 131 224 247 122 98 47 17,865

2,382 5,533 9,155 11,358 13,492 14,550 15,252 15,798 16,145 16,319 16,476 16,635 16,784 16,996 17,127 17,351 17,598 17,720 17,818 17,865

DATA POSITION FROM

13.33 17.64 20.27 12.33 11.95 5.92 3.93 3.06 1.94 0.97 0.88 0.89 0.83 1.19 0.73 1.25 1.38 0.68 0.55 0.26

13.33 30.97 51.25 63.58 75.52 81.44 85.37 88.43 90.37 91.35 92.23 93.12 93.95 95.14 95.87 97.12 98.51 99.19 99.74 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,095.57 653.40 1,233.27 1,192.07 2,056.27 1,530.97 1,356.10 1,444.82 1,259.19 678.20 686.78 835.43 985.87 1,575.44 1,309.62 2,703.95 3,221.62 1,699.53 1,153.89 435.44 28,107.44

2,095.57 7.46 7.46 2,748.97 2.32 9.78 3,982.25 4.39 14.17 5,174.31 4.24 18.41 7,230.58 7.32 25.72 8,761.55 5.45 31.17 10,117.64 4.82 36.00 11,562.47 5.14 41.14 12,821.66 4.48 45.62 13,499.86 2.41 48.03 14,186.64 2.44 50.47 15,022.07 2.97 53.45 16,007.94 3.51 56.95 17,583.38 5.61 62.56 18,893.00 4.66 67.22 21,596.96 9.62 76.84 24,818.58 11.46 88.30 26,518.11 6.05 94.35 27,672.00 4.11 98.45 28,107.44 1.55 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 6 2 0 2 3 2 2 0 0 2 0 1 1 1 4 6 15 7 1 2 57

6 8 8 10 13 15 17 17 17 19 19 20 21 22 26 32 47 54 55 57

10.53 10.53 3.51 14.04 0.00 14.04 3.51 17.54 5.26 22.81 3.51 26.32 3.51 29.82 0.00 29.82 0.00 29.82 3.51 33.33 0.00 33.33 1.75 35.09 1.75 36.84 1.75 38.60 7.02 45.61 10.53 56.14 26.32 82.46 12.28 94.74 1.75 96.49 3.51 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 199.75 74.61 0.00 6.62 592.48 28.10 288.36 0.00 0.00 16.11 0.00 0.75 4.85 766.43 1,324.75 2,727.25 3,603.70 704.81 146.38 540.27 11,025.22

199.75 1.81 274.36 0.68 274.36 0.00 280.98 0.06 873.46 5.37 901.56 0.25 1,189.92 2.62 1,189.92 0.00 1,189.92 0.00 1,206.03 0.15 1,206.03 0.00 1,206.78 0.01 1,211.63 0.04 1,978.06 6.95 3,302.81 12.02 6,030.06 24.74 9,633.76 32.69 10,338.57 6.39 10,484.95 1.33 11,025.22 4.90

1.81 2.49 2.49 2.55 7.92 8.18 10.79 10.79 10.79 10.94 10.94 10.95 10.99 17.94 29.96 54.69 87.38 93.77 95.10 100.00

9.53 11.42 0.00 0.56 28.81 1.84 21.26 0.00 0.00 2.38 0.00 0.09 0.49 48.65 101.16 100.86 111.86 41.47 12.69 124.07

9.53 9.98 6.89 5.43 12.08 10.29 11.76 10.29 9.28 8.93 8.50 8.03 7.57 11.25 17.48 27.92 38.82 38.99 37.89 39.23

39.23

Page 129 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 09 - DKI JAKARTA

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

25,174 17,068 31,348 26,508 37,336 21,778 16,042 12,725 7,112 3,782 3,045 3,551 2,257 2,779 1,633 2,691 1,985 919 1,525 587 219,845

25,174 42,242 73,590 100,098 137,434 159,212 175,254 187,979 195,091 198,873 201,918 205,469 207,726 210,505 212,138 214,829 216,814 217,733 219,258 219,845

11.45 7.76 14.26 12.06 16.98 9.91 7.30 5.79 3.24 1.72 1.39 1.62 1.03 1.26 0.74 1.22 0.90 0.42 0.69 0.27

11.45 19.21 33.47 45.53 62.51 72.42 79.72 85.51 88.74 90.46 91.85 93.46 94.49 95.75 96.49 97.72 98.62 99.04 99.73 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 55,557.08 4,937.97 9,891.93 12,020.68 29,701.94 21,306.01 22,550.67 24,377.39 18,515.00 12,033.96 12,722.46 16,255.94 12,844.65 18,065.16 13,077.84 29,588.64 33,946.96 16,779.24 32,469.43 77,310.71 473,953.69

55,557.08 11.72 11.72 60,495.05 1.04 12.76 70,386.98 2.09 14.85 82,407.66 2.54 17.39 112,109.60 6.27 23.65 133,415.61 4.50 28.15 155,966.28 4.76 32.91 180,343.68 5.14 38.05 198,858.68 3.91 41.96 210,892.64 2.54 44.50 223,615.11 2.68 47.18 239,871.04 3.43 50.61 252,715.69 2.71 53.32 270,780.86 3.81 57.13 283,858.70 2.76 59.89 313,447.34 6.24 66.13 347,394.30 7.16 73.30 364,173.54 3.54 76.84 396,642.98 6.85 83.69 473,953.69 16.31 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

131 31 55 25 64 24 36 39 42 24 16 27 35 26 17 57 81 52 116 75

131 13.46 13.46 17,904.12 162 3.19 16.65 1,402.59 217 5.65 22.30 3,982.33 242 2.57 24.87 1,526.22 306 6.58 31.45 4,270.79 330 2.47 33.92 2,341.55 366 3.70 37.62 1,799.17 405 4.01 41.62 4,988.44 447 4.32 45.94 3,658.70 471 2.47 48.41 3,035.67 487 1.64 50.05 1,547.40 514 2.77 52.83 5,757.63 549 3.60 56.42 531.33 575 2.67 59.10 10,127.44 592 1.75 60.84 2,475.41 649 5.86 66.70 34,201.42 730 8.32 75.03 1,550.46 782 5.34 80.37 14,407.93 898 11.92 92.29 34,550.33 973 7.71 100.00 156,437.92

973

306,496.84

17,904.12 5.84 19,306.71 0.46 23,289.03 1.30 24,815.25 0.50 29,086.04 1.39 31,427.59 0.76 33,226.76 0.59 38,215.19 1.63 41,873.89 1.19 44,909.55 0.99 46,456.95 0.50 52,214.58 1.88 52,745.92 0.17 62,873.36 3.30 65,348.78 0.81 99,550.19 11.16 101,100.66 0.51 115,508.59 4.70 150,058.92 11.27 306,496.84 51.04

5.84 32.23 6.30 28.40 7.60 40.26 8.10 12.70 9.49 14.38 10.25 10.99 10.84 7.98 12.47 20.46 13.66 19.76 14.65 25.23 15.16 12.16 17.04 35.42 17.21 4.14 20.51 56.06 21.32 18.93 32.48 115.59 32.99 4.57 37.69 85.87 48.96 106.41 100.00 202.35

32.23 31.91 33.09 30.11 25.94 23.56 21.30 21.19 21.06 21.29 20.78 21.77 20.87 23.22 23.02 31.76 29.10 31.72 37.83 64.67

64.67

Page 130 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 10 - JAWA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 30,662 27,874 29,265 17,205 17,784 9,815 6,172 5,240 2,892 1,739 1,318 1,766 1,228 1,804 1,198 2,328 2,041 1,044 1,505 477 163,357

30,662 58,536 87,801 105,006 122,790 132,605 138,777 144,017 146,909 148,648 149,966 151,732 152,960 154,764 155,962 158,290 160,331 161,375 162,880 163,357

18.77 17.06 17.91 10.53 10.89 6.01 3.78 3.21 1.77 1.06 0.81 1.08 0.75 1.10 0.73 1.43 1.25 0.64 0.92 0.29

18.77 35.83 53.75 64.28 75.17 81.17 84.95 88.16 89.93 91.00 91.80 92.88 93.64 94.74 95.47 96.90 98.15 98.79 99.71 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 18,469.89 6,510.22 10,951.37 9,935.66 15,093.86 11,965.86 10,747.10 11,633.40 8,127.23 6,161.72 5,495.55 8,261.41 6,892.04 12,461.91 10,257.89 25,107.45 30,932.63 19,448.67 24,689.84 23,384.56 276,528.24

18,469.89 6.68 6.68 24,980.11 2.35 9.03 35,931.48 3.96 12.99 45,867.14 3.59 16.59 60,961.00 5.46 22.05 72,926.85 4.33 26.37 83,673.95 3.89 30.26 95,307.35 4.21 34.47 103,434.58 2.94 37.40 109,596.30 2.23 39.63 115,091.84 1.99 41.62 123,353.25 2.99 44.61 130,245.29 2.49 47.10 142,707.20 4.51 51.61 152,965.09 3.71 55.32 178,072.54 9.08 64.40 209,005.17 11.19 75.58 228,453.84 7.03 82.62 253,143.68 8.93 91.54 276,528.24 8.46 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 72 10 36 21 33 29 19 20 16 11 9 15 9 21 12 46 50 50 86 130 695

72 10.36 10.36 82 1.44 11.80 118 5.18 16.98 139 3.02 20.00 172 4.75 24.75 201 4.17 28.92 220 2.73 31.65 240 2.88 34.53 256 2.30 36.83 267 1.58 38.42 276 1.29 39.71 291 2.16 41.87 300 1.29 43.17 321 3.02 46.19 333 1.73 47.91 379 6.62 54.53 429 7.19 61.73 479 7.19 68.92 565 12.37 81.29 695 18.71 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 37,060.57 145.04 7,499.26 1,290.18 2,205.91 1,489.22 4,471.85 3,914.07 2,648.49 818.83 414.87 8,290.36 2,013.07 1,448.97 1,814.73 20,567.51 73,347.73 84,819.78 345,394.1 97,350.41 697,005.0

37,060.57 37,205.61 44,704.87 45,995.04 48,200.95 49,690.17 54,162.02 58,076.09 60,724.59 61,543.41 61,958.29 70,248.65 72,261.73 73,710.69 75,525.43 96,092.94 169,440.6 254,260.4 599,654.6 697,005.0

5.32 0.02 1.08 0.19 0.32 0.21 0.64 0.56 0.38 0.12 0.06 1.19 0.29 0.21 0.26 2.95 10.52 12.17 49.55 13.97

5.32 5.34 6.41 6.60 6.92 7.13 7.77 8.33 8.71 8.83 8.89 10.08 10.37 10.58 10.84 13.79 24.31 36.48 86.03 100.00

200.65 2.23 68.48 12.99 14.61 12.45 41.61 33.65 32.59 13.29 7.55 100.35 29.21 11.63 17.69 81.92 237.12 436.12 1398.9 416.30

200.65 148.94 124.42 100.28 79.07 68.14 64.73 60.94 58.71 56.15 53.83 56.95 55.48 51.65 49.37 53.96 81.07 111.30 236.88 252.06

252.06

Page 131 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 11 - JAWA TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 21,592 15,943 14,544 7,165 7,503 4,355 3,012 2,551 1,474 899 710 919 537 733 464 827 704 353 321 176 84,782

21,592 25.47 37,535 18.80 52,079 17.15 59,244 8.45 66,747 8.85 71,102 5.14 74,114 3.55 76,665 3.01 78,139 1.74 79,038 1.06 79,748 0.84 80,667 1.08 81,204 0.63 81,937 0.86 82,401 0.55 83,228 0.98 83,932 0.83 84,285 0.42 84,606 0.38 84,782 0.21

25.47 44.27 61.43 69.88 78.73 83.86 87.42 90.43 92.16 93.22 94.06 95.15 95.78 96.64 97.19 98.17 99.00 99.41 99.79 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,884.24 3,026.27 4,758.38 4,160.78 6,959.03 5,813.93 5,122.44 6,187.09 4,251.99 3,248.83 3,030.99 4,594.67 3,445.51 5,650.24 4,328.65 10,510.62 9,558.60 5,763.01 4,771.08 1,779.02 103,845.38

6,884.24 6.63 6.63 9,910.51 2.91 9.54 14,668.90 4.58 14.13 18,829.68 4.01 18.13 25,788.71 6.70 24.83 31,602.64 5.60 30.43 36,725.08 4.93 35.37 42,912.17 5.96 41.32 47,164.16 4.09 45.42 50,413.00 3.13 48.55 53,443.99 2.92 51.46 58,038.66 4.42 55.89 61,484.17 3.32 59.21 67,134.41 5.44 64.65 71,463.05 4.17 68.82 81,973.68 10.12 78.94 91,532.28 9.20 88.14 97,295.29 5.55 93.69 102,066.36 4.59 98.29 103,845.38 1.71 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 41 7 8 8 18 6 7 21 9 6 5 7 9 9 16 25 39 36 59 6 342

41 48 56 64 82 88 95 116 125 131 136 143 152 161 177 202 241 277 336 342

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

11.99 11.99 1,610.91 2.05 14.04 483.45 2.34 16.37 397.00 2.34 18.71 436.14 5.26 23.98 1,502.62 1.75 25.73 76.63 2.05 27.78 301.52 6.14 33.92 3,797.49 2.63 36.55 757.94 1.75 38.30 218.55 1.46 39.77 1,064.39 2.05 41.81 566.24 2.63 44.44 1,332.16 2.63 47.08 1,296.59 4.68 51.75 3,329.60 7.31 59.06 11,336.48 11.40 70.47 30,877.40 10.53 80.99 158.62 17.25 98.25 2,068.70 1.75 100.00 4,261.54 65,873.98

1,610.91 2.45 2,094.36 0.73 2,491.36 0.60 2,927.50 0.66 4,430.12 2.28 4,506.75 0.12 4,808.27 0.46 8,605.76 5.76 9,363.70 1.15 9,582.25 0.33 10,646.64 1.62 11,212.88 0.86 12,545.05 2.02 13,841.64 1.97 17,171.24 5.05 28,507.72 17.21 59,385.12 46.87 59,543.74 0.24 61,612.44 3.14 65,873.98 6.47

2.45 23.40 3.18 15.98 3.78 8.34 4.44 10.48 6.73 21.59 6.84 1.32 7.30 5.89 13.06 61.38 14.21 17.83 14.55 6.73 16.16 35.12 17.02 12.32 19.04 38.66 21.01 22.95 26.07 76.92 43.28 107.86 90.15 323.03 90.39 2.75 93.53 43.36 100.00 239.54

23.40 21.13 16.98 15.55 17.18 14.26 13.09 20.05 19.85 19.01 19.92 19.32 20.40 20.62 24.03 34.78 64.88 61.20 60.37 63.43

63.43

Page 132 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 12 - DI YOGYAKARTA

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

11,098

2,126 4,013 5,997 7,192 8,372 9,079 9,632 9,997 10,221 10,381 10,496 10,597 10,670 10,777 10,842 10,951 11,042 11,073 11,090 11,098

19.16 17.00 17.88 10.77 10.63 6.37 4.98 3.29 2.02 1.44 1.04 0.91 0.66 0.96 0.59 0.98 0.82 0.28 0.15 0.07

01/01/2008

15/12/2009

DATE

15/03/2010

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

2,126 1,887 1,984 1,195 1,180 707 553 365 224 160 115 101 73 107 65 109 91 31 17 8

19.16 36.16 54.04 64.80 75.44 81.81 86.79 90.08 92.10 93.54 94.58 95.49 96.14 97.11 97.69 98.68 99.50 99.77 99.93 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 626.13 259.20 568.92 552.33 898.51 765.20 1,313.94 715.41 529.60 504.83 389.43 508.55 379.25 691.64 469.54 1,028.92 975.45 551.15 368.31 92.49 12,188.79

626.13 5.14 5.14 885.33 2.13 7.26 1,454.25 4.67 11.93 2,006.59 4.53 16.46 2,905.10 7.37 23.83 3,670.29 6.28 30.11 4,984.23 10.78 40.89 5,699.63 5.87 46.76 6,229.23 4.34 51.11 6,734.06 4.14 55.25 7,123.49 3.19 58.44 7,632.03 4.17 62.62 8,011.28 3.11 65.73 8,702.92 5.67 71.40 9,172.46 3.85 75.25 10,201.38 8.44 83.69 11,176.83 8.00 91.70 11,727.98 4.52 96.22 12,096.29 3.02 99.24 12,188.79 0.76 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 2 0 1 1 4 0 3 4 0 0 2 0 0 1 0 1 0 1 0 1 21

2 9.52 9.52 2 0.00 9.52 3 4.76 14.29 4 4.76 19.05 8 19.05 38.10 8 0.00 38.10 11 14.29 52.38 15 19.05 71.43 15 0.00 71.43 15 0.00 71.43 17 9.52 80.95 17 0.00 80.95 17 0.00 80.95 18 4.76 85.71 18 0.00 85.71 19 4.76 90.48 19 0.00 90.48 20 4.76 95.24 20 0.00 95.24 21 4.76 100.00

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 61.20 0.00 57.01 2.15 17.76 0.00 145.54 870.78 0.00 0.00 3.26 0.00 0.00 677.35 0.00 335.11 0.00 843.33 0.00 0.78 3,014.25

61.20 61.20 118.21 120.36 138.12 138.12 283.65 1,154.43 1,154.43 1,154.43 1,157.69 1,157.69 1,157.69 1,835.03 1,835.03 2,170.14 2,170.14 3,013.47 3,013.47 3,014.25

2.03 0.00 1.89 0.07 0.59 0.00 4.83 28.89 0.00 0.00 0.11 0.00 0.00 22.47 0.00 11.12 0.00 27.98 0.00 0.03

2.03 9.77 2.03 0.00 3.92 10.02 3.99 0.39 4.58 1.98 4.58 0.00 9.41 11.08 38.30 121.72 38.30 0.00 38.30 0.00 38.41 0.84 38.41 0.00 38.41 0.00 60.88 97.93 60.88 0.00 72.00 32.57 72.00 0.00 99.97 153.01 99.97 0.00 100.00 0.84

9.77 6.91 8.13 6.00 4.75 3.76 5.69 20.25 18.53 17.14 16.25 15.17 14.45 21.09 20.01 21.27 19.42 25.69 24.91 24.73

24.73

Page 133 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 13 - JAWA TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

17,832 16,208 18,351 10,962 12,772 7,894 5,567 4,929 3,002 1,721 1,345 1,514 1,115 1,479 925 1,663 1,503 602 728 311 110,423

17,832 34,040 52,391 63,353 76,125 84,019 89,586 94,515 97,517 99,238 100,583 102,097 103,212 104,691 105,616 107,279 108,782 109,384 110,112 110,423

16.15 14.68 16.62 9.93 11.57 7.15 5.04 4.46 2.72 1.56 1.22 1.37 1.01 1.34 0.84 1.51 1.36 0.55 0.66 0.28

16.15 30.83 47.45 57.37 68.94 76.09 81.13 85.59 88.31 89.87 91.09 92.46 93.47 94.81 95.65 97.15 98.51 99.06 99.72 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 11,693.89 3,220.02 5,953.19 6,039.91 10,369.62 8,873.28 8,719.57 12,098.05 8,180.81 5,468.85 6,234.76 7,764.95 6,250.81 10,850.44 8,351.28 21,566.15 21,770.06 10,172.59 9,027.29 4,940.79 187,546.30

11,693.89 6.24 6.24 14,913.90 1.72 7.95 20,867.09 3.17 11.13 26,907.00 3.22 14.35 37,276.63 5.53 19.88 46,149.91 4.73 24.61 54,869.48 4.65 29.26 66,967.54 6.45 35.71 75,148.34 4.36 40.07 80,617.20 2.92 42.99 86,851.96 3.32 46.31 94,616.91 4.14 50.45 100,867.72 3.33 53.78 111,718.15 5.79 59.57 120,069.43 4.45 64.02 141,635.58 11.50 75.52 163,405.64 11.61 87.13 173,578.23 5.42 92.55 182,605.52 4.81 97.37 187,546.30 2.63 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

25 6 4 5 15 13 9 12 6 12 19 9 16 18 9 26 49 27 33 13 326

25 7.67 7.67 31 1.84 9.51 35 1.23 10.74 40 1.53 12.27 55 4.60 16.87 68 3.99 20.86 77 2.76 23.62 89 3.68 27.30 95 1.84 29.14 107 3.68 32.82 126 5.83 38.65 135 2.76 41.41 151 4.91 46.32 169 5.52 51.84 178 2.76 54.60 204 7.98 62.58 253 15.03 77.61 280 8.28 85.89 313 10.12 96.01 326 3.99 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 10,862.94 259.07 84.70 173.95 1,199.57 1,297.57 985.90 6,202.03 2,341.73 3,647.21 13,223.75 5,321.81 10,795.34 15,357.99 7,966.88 38,883.12 98,028.03 18,169.56 5,666.60 3,513.25 243,981.02

10,862.94 4.45 11,122.01 0.11 11,206.71 0.03 11,380.66 0.07 12,580.23 0.49 13,877.80 0.53 14,863.70 0.40 21,065.74 2.54 23,407.46 0.96 27,054.67 1.49 40,278.42 5.42 45,600.23 2.18 56,395.57 4.42 71,753.57 6.29 79,720.45 3.27 118,603.57 15.94 216,631.60 40.18 234,801.16 7.45 240,467.77 2.32 243,981.02 1.44

4.45 4.56 4.59 4.66 5.16 5.69 6.09 8.63 9.59 11.09 16.51 18.69 23.11 29.41 32.67 48.61 88.79 96.24 98.56 100.00

92.89 8.05 1.42 2.88 11.57 14.62 11.31 51.26 28.62 66.69 212.10 68.54 172.70 141.54 95.40 180.30 450.29 178.61 62.77 71.11

92.89 74.57 53.71 42.30 33.75 30.07 27.09 31.46 31.15 33.56 46.38 48.19 55.91 64.23 66.40 83.74 132.57 135.27 131.69 130.09

130.09

Page 134 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 14 - KALIMANTAN BARAT

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

5,239 8,027 7,981 2,799 2,278 820 546 364 186 121 93 96 56 83 32 90 68 47 37 4

2,922.50 4,051.19 7,991.44 4,532.46 5,275.88 2,525.68 2,114.40 1,632.53 945.20 624.00 714.32 755.90 474.85 898.50 372.64 2,171.93 1,106.95 273.92 1,286.89 65.38

5 16 23 3 7 2 3 1 0 1 0 1 0 0 0 0 2 0 1 0

2,743.00 988.19 2,444.97 525.68 1,686.36 329.95 847.16 9.16 0.00 1,899.39 0.00 3,645.00 0.00 0.00 0.00 0.00 13.60 0.00 2.33 0.00

28,967

5,239 18.09 13,266 27.71 21,247 27.55 24,046 9.66 26,324 7.86 27,144 2.83 27,690 1.88 28,054 1.26 28,240 0.64 28,361 0.42 28,454 0.32 28,550 0.33 28,606 0.19 28,689 0.29 28,721 0.11 28,811 0.31 28,879 0.23 28,926 0.16 28,963 0.13 28,967 0.01

18.09 45.80 73.35 83.01 90.88 93.71 95.59 96.85 97.49 97.91 98.23 98.56 98.75 99.04 99.15 99.46 99.70 99.86 99.99 100.00

40,736.58

2,922.50 7.17 7.17 6,973.70 9.94 17.12 14,965.14 19.62 36.74 19,497.60 11.13 47.86 24,773.48 12.95 60.81 27,299.17 6.20 67.01 29,413.57 5.19 72.20 31,046.10 4.01 76.21 31,991.29 2.32 78.53 32,615.30 1.53 80.06 33,329.62 1.75 81.82 34,085.52 1.86 83.67 34,560.37 1.17 84.84 35,458.87 2.21 87.04 35,831.51 0.91 87.96 38,003.43 5.33 93.29 39,110.39 2.72 96.01 39,384.31 0.67 96.68 40,671.20 3.16 99.84 40,736.58 0.16 100.00

5 7.69 7.69 21 24.62 32.31 44 35.38 67.69 47 4.62 72.31 54 10.77 83.08 56 3.08 86.15 59 4.62 90.77 60 1.54 92.31 60 0.00 92.31 61 1.54 93.85 61 0.00 93.85 62 1.54 95.38 62 0.00 95.38 62 0.00 95.38 62 0.00 95.38 62 0.00 95.38 64 3.08 98.46 64 0.00 98.46 65 1.54 100.00 65 0.00 100.00

15,134.79

2,743.00 3,731.19 6,176.15 6,701.83 8,388.19 8,718.14 9,565.31 9,574.47 9,574.47 11,473.86 11,473.86 15,118.86 15,118.86 15,118.86 15,118.86 15,118.86 15,132.46 15,132.46 15,134.79 15,134.79

18.12 6.53 16.15 3.47 11.14 2.18 5.60 0.06 0.00 12.55 0.00 24.08 0.00 0.00 0.00 0.00 0.09 0.00 0.02 0.00

18.12 93.86 24.65 24.39 40.81 30.59 44.28 11.60 55.42 31.96 57.60 13.06 63.20 40.07 63.26 0.56 63.26 0.00 75.81 304.39 75.81 0.00 99.89 482.21 99.89 0.00 99.89 0.00 99.89 0.00 99.89 0.00 99.98 1.23 99.98 0.00 100.00 0.18 100.00 0.00

93.86 53.50 41.27 34.37 33.86 31.94 32.52 30.84 29.93 35.18 34.43 44.36 43.75 42.64 42.19 39.78 38.69 38.42 37.21 37.15

37.15

Page 135 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 15 - KALIMANTAN TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,709 1,869 1,480 690 761 325 200 169 94 46 35 37 21 27 14 43 34 30 21 12 7,617

1,709 22.44 3,578 24.54 5,058 19.43 5,748 9.06 6,509 9.99 6,834 4.27 7,034 2.63 7,203 2.22 7,297 1.23 7,343 0.60 7,378 0.46 7,415 0.49 7,436 0.28 7,463 0.35 7,477 0.18 7,520 0.56 7,554 0.45 7,584 0.39 7,605 0.28 7,617 0.16

22.44 46.97 66.40 75.46 85.45 89.72 92.35 94.56 95.80 96.40 96.86 97.35 97.62 97.98 98.16 98.73 99.17 99.57 99.84 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 574.76 666.48 1,054.29 737.40 1,303.63 819.27 617.37 696.90 500.74 243.60 173.96 261.91 153.13 231.43 227.96 758.01 939.18 642.34 512.79 102.10 11,217.22

574.76 5.12 5.12 1,241.24 5.94 11.07 2,295.53 9.40 20.46 3,032.93 6.57 27.04 4,336.55 11.62 38.66 5,155.82 7.30 45.96 5,773.19 5.50 51.47 6,470.08 6.21 57.68 6,970.82 4.46 62.14 7,214.42 2.17 64.32 7,388.38 1.55 65.87 7,650.28 2.33 68.20 7,803.41 1.37 69.57 8,034.84 2.06 71.63 8,262.80 2.03 73.66 9,020.81 6.76 80.42 9,959.99 8.37 88.79 10,602.33 5.73 94.52 11,115.12 4.57 99.09 11,217.22 0.91 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

20 1 1 1 1 1 1 1 1 0 0 0 0 0 3 2 11 6 5 6

279.94 85.00 60.85 103.23 0.00 36.00 150.00 3.82 63.80 0.00 0.00 0.00 0.00 0.00 152.57 220.00 211.35 589.09 48.59 8,959.12

20 32.79 32.79 21 1.64 34.43 22 1.64 36.07 23 1.64 37.70 24 1.64 39.34 25 1.64 40.98 26 1.64 42.62 27 1.64 44.26 28 1.64 45.90 28 0.00 45.90 28 0.00 45.90 28 0.00 45.90 28 0.00 45.90 28 0.00 45.90 31 4.92 50.82 33 3.28 54.10 44 18.03 72.13 50 9.84 81.97 55 8.20 90.16 61 9.84 100.00

10,963.35

279.94 2.55 364.94 0.78 425.79 0.56 529.02 0.94 529.02 0.00 565.02 0.33 715.02 1.37 718.83 0.03 782.64 0.58 782.64 0.00 782.64 0.00 782.64 0.00 782.64 0.00 782.64 0.00 935.21 1.39 1,155.21 2.01 1,366.56 1.93 1,955.64 5.37 2,004.23 0.44 10,963.35 81.72

2.55 48.70 3.33 12.75 3.88 5.77 4.83 14.00 4.83 0.00 5.15 4.39 6.52 24.30 6.56 0.55 7.14 12.74 7.14 0.00 7.14 0.00 7.14 0.00 7.14 0.00 7.14 0.00 8.53 66.93 10.54 29.02 12.46 22.50 17.84 91.71 18.28 9.48 100.00 8774.8

48.70 29.40 18.55 17.44 12.20 10.96 12.39 11.11 11.23 10.85 10.59 10.23 10.03 9.74 11.32 12.81 13.72 18.45 18.03 97.74

97.74

Page 136 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 16 - KALIMANTAN SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

2,639 2,768 3,286 1,650 1,563 861 474 421 206 146 96 128 65 91 72 104 67 56 59 30

985.41 762.15 1,435.71 1,095.38 1,727.99 1,409.75 1,062.26 1,170.27 834.06 740.80 461.60 732.98 438.08 1,249.66 555.57 1,605.49 1,182.85 583.42 994.11 444.80

14,782

2,639 5,407 8,693 10,343 11,906 12,767 13,241 13,662 13,868 14,014 14,110 14,238 14,303 14,394 14,466 14,570 14,637 14,693 14,752 14,782

17.85 18.73 22.23 11.16 10.57 5.82 3.21 2.85 1.39 0.99 0.65 0.87 0.44 0.62 0.49 0.70 0.45 0.38 0.40 0.20

17.85 36.58 58.81 69.97 80.54 86.37 89.58 92.42 93.82 94.80 95.45 96.32 96.76 97.38 97.86 98.57 99.02 99.40 99.80 100.00

19,472.32

985.41 1,747.56 3,183.27 4,278.65 6,006.64 7,416.39 8,478.64 9,648.91 10,482.97 11,223.77 11,685.37 12,418.35 12,856.43 14,106.08 14,661.65 16,267.14 17,449.99 18,033.42 19,027.52 19,472.32

5.06 5.06 3.91 8.97 7.37 16.35 5.63 21.97 8.87 30.85 7.24 38.09 5.46 43.54 6.01 49.55 4.28 53.84 3.80 57.64 2.37 60.01 3.76 63.77 2.25 66.02 6.42 72.44 2.85 75.29 8.24 83.54 6.07 89.61 3.00 92.61 5.11 97.72 2.28 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 3 4 4 0 3 0 0 0 0 0 1 0 1 0 0 0 1 2 5 0 24

3 7 11 11 14 14 14 14 14 14 15 15 16 16 16 16 17 19 24 24

12.50 12.50 16.67 29.17 16.67 45.83 0.00 45.83 12.50 58.33 0.00 58.33 0.00 58.33 0.00 58.33 0.00 58.33 0.00 58.33 4.17 62.50 0.00 62.50 4.17 66.67 0.00 66.67 0.00 66.67 0.00 66.67 4.17 70.83 8.33 79.17 20.83 100.00 0.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 240.03 158.17 384.48 0.00 410.94 0.00 0.00 0.00 0.00 0.00 50.00 0.00 4,636.60 0.00 0.00 0.00 201.72 412.27 1,118.83 0.00 7,613.03

240.03 3.15 398.20 2.08 782.67 5.05 782.67 0.00 1,193.61 5.40 1,193.61 0.00 1,193.61 0.00 1,193.61 0.00 1,193.61 0.00 1,193.61 0.00 1,243.61 0.66 1,243.61 0.00 5,880.22 60.90 5,880.22 0.00 5,880.22 0.00 5,880.22 0.00 6,081.94 2.65 6,494.20 5.42 7,613.03 14.70 7,613.03 0.00

3.15 24.36 5.23 20.75 10.28 26.78 10.28 0.00 15.68 23.78 15.68 0.00 15.68 0.00 15.68 0.00 15.68 0.00 15.68 0.00 16.34 10.83 16.34 0.00 77.24 1058.4 77.24 0.00 77.24 0.00 77.24 0.00 79.89 17.05 85.30 70.66 100.00 112.55 100.00 0.00

24.36 22.79 24.59 18.29 19.87 16.09 14.08 12.37 11.39 10.63 10.64 10.01 45.74 41.69 40.11 36.15 34.85 36.01 40.01 39.10

39.10

Page 137 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 17 - KALIMANTAN TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

2,917 3,078 4,430 2,895 3,409 1,727 1,267 932 509 219 192 214 137 196 103 165 139 61 74 57

31,562.88 1,194.47 2,404.78 2,605.97 4,397.00 3,849.93 4,102.75 3,589.81 2,833.56 1,129.51 1,209.93 1,671.34 1,308.96 1,794.86 1,155.85 2,723.01 3,107.09 1,931.25 4,327.18 13,495.36

11 5 6 5 3 8 3 1 4 1 0 0 1 0 1 1 5 0 13 4

22,721

2,917 5,995 10,425 13,320 16,729 18,456 19,723 20,655 21,164 21,383 21,575 21,789 21,926 22,122 22,225 22,390 22,529 22,590 22,664 22,721

12.84 13.55 19.50 12.74 15.00 7.60 5.58 4.10 2.24 0.96 0.85 0.94 0.60 0.86 0.45 0.73 0.61 0.27 0.33 0.25

12.84 26.39 45.88 58.62 73.63 81.23 86.81 90.91 93.15 94.11 94.96 95.90 96.50 97.36 97.82 98.54 99.15 99.42 99.75 100.00

90,395.50

31,562.88 34.92 34.92 32,757.34 1.32 36.24 35,162.13 2.66 38.90 37,768.10 2.88 41.78 42,165.10 4.86 46.65 46,015.03 4.26 50.90 50,117.78 4.54 55.44 53,707.59 3.97 59.41 56,541.14 3.13 62.55 57,670.66 1.25 63.80 58,880.59 1.34 65.14 60,551.93 1.85 66.99 61,860.89 1.45 68.43 63,655.75 1.99 70.42 64,811.60 1.28 71.70 67,534.61 3.01 74.71 70,641.70 3.44 78.15 72,572.96 2.14 80.28 76,900.14 4.79 85.07 90,395.50 14.93 100.00

11 16 22 27 30 38 41 42 46 47 47 47 48 48 49 50 55 55 68 72

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

15.28 15.28 11,168.35 6.94 22.22 188.65 8.33 30.56 505.72 6.94 37.50 454.42 4.17 41.67 42.61 11.11 52.78 448.55 4.17 56.94 232.19 1.39 58.33 280.65 5.56 63.89 157.26 1.39 65.28 12.03 0.00 65.28 0.00 0.00 65.28 0.00 1.39 66.67 250.06 0.00 66.67 0.00 1.39 68.06 33.52 1.39 69.44 10.09 6.94 76.39 156.67 0.00 76.39 0.00 18.06 94.44 1,429.98 5.56 100.00 118.92 15,489.67

11,168.35 72.10 11,357.00 1.22 11,862.73 3.26 12,317.15 2.93 12,359.75 0.28 12,808.31 2.90 13,040.50 1.50 13,321.15 1.81 13,478.41 1.02 13,490.43 0.08 13,490.43 0.00 13,490.43 0.00 13,740.49 1.61 13,740.49 0.00 13,774.01 0.22 13,784.10 0.07 13,940.77 1.01 13,940.77 0.00 15,370.75 9.23 15,489.67 0.77

72.10 73.32 76.58 79.52 79.79 82.69 84.19 86.00 87.02 87.09 87.09 87.09 88.71 88.71 88.92 88.99 90.00 90.00 99.23 100.00

35.38 15.79 21.03 17.44 0.97 11.65 5.66 7.82 5.55 1.06 0.00 0.00 19.10 0.00 2.90 0.37 5.04 0.00 33.05 0.88

35.38 34.67 33.74 32.61 29.31 27.84 26.02 24.80 23.84 23.39 22.91 22.28 22.21 21.59 21.25 20.41 19.73 19.21 19.99 17.14

17.14

Page 138 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 18 - SULAWESI UTARA

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,360 1,555 2,297 1,331 1,450 850 647 599 307 164 117 159 70 139 83 69 59 21 31 8 11,316

1,360 2,915 5,212 6,543 7,993 8,843 9,490 10,089 10,396 10,560 10,677 10,836 10,906 11,045 11,128 11,197 11,256 11,277 11,308 11,316

12.02 13.74 20.30 11.76 12.81 7.51 5.72 5.29 2.71 1.45 1.03 1.41 0.62 1.23 0.73 0.61 0.52 0.19 0.27 0.07

12.02 25.76 46.06 57.82 70.63 78.15 83.86 89.16 91.87 93.32 94.35 95.76 96.38 97.61 98.34 98.95 99.47 99.66 99.93 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 11,165.00 371.34 893.37 808.58 1,442.25 1,253.10 1,372.47 1,873.94 1,417.87 841.45 641.77 954.24 506.04 1,179.05 866.72 808.91 901.76 167.60 176.91 97.75 27,740.14

11,165.00 40.25 40.25 11,536.34 1.34 41.59 12,429.70 3.22 44.81 13,238.28 2.91 47.72 14,680.53 5.20 52.92 15,933.63 4.52 57.44 17,306.11 4.95 62.39 19,180.04 6.76 69.14 20,597.91 5.11 74.25 21,439.36 3.03 77.29 22,081.13 2.31 79.60 23,035.38 3.44 83.04 23,541.42 1.82 84.86 24,720.48 4.25 89.11 25,587.19 3.12 92.24 26,396.11 2.92 95.15 27,297.87 3.25 98.41 27,465.47 0.60 99.01 27,642.39 0.64 99.65 27,740.14 0.35 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 2 0 2 2 3 0 0 1 0 1 1 2 1 0 0 1 0 2 0 0 18

2 2 4 6 9 9 9 10 10 11 12 14 15 15 15 16 16 18 18 18

11.11 11.11 0.00 11.11 11.11 22.22 11.11 33.33 16.67 50.00 0.00 50.00 0.00 50.00 5.56 55.56 0.00 55.56 5.56 61.11 5.56 66.67 11.11 77.78 5.56 83.33 0.00 83.33 0.00 83.33 5.56 88.89 0.00 88.89 11.11 100.00 0.00 100.00 0.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 964.75 0.00 47.57 323.70 753.92 0.00 0.00 735.83 0.00 191.63 761.79 256.52 380.00 0.00 0.00 750.00 0.00 236.75 0.00 0.00 5,402.47

964.75 964.75 1,012.33 1,336.02 2,089.94 2,089.94 2,089.94 2,825.78 2,825.78 3,017.41 3,779.20 4,035.72 4,415.72 4,415.72 4,415.72 5,165.72 5,165.72 5,402.47 5,402.47 5,402.47

17.86 0.00 0.88 5.99 13.96 0.00 0.00 13.62 0.00 3.55 14.10 4.75 7.03 0.00 0.00 13.88 0.00 4.38 0.00 0.00

17.86 8.64 17.86 0.00 18.74 5.33 24.73 40.03 38.68 52.27 38.68 0.00 38.68 0.00 52.31 39.27 52.31 0.00 55.85 22.77 69.95 118.70 74.70 26.88 81.74 75.09 81.74 0.00 81.74 0.00 95.62 92.72 95.62 0.00 100.00 141.26 100.00 0.00 100.00 0.00

8.64 8.36 8.14 10.09 14.24 13.12 12.08 14.73 13.72 14.07 17.12 17.52 18.76 17.86 17.26 19.57 18.92 19.67 19.54 19.48

19.48

Page 139 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 19 - SULAWESI TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

1,480 1,031 1,170 720 766 410 269 277 141 77 61 64 35 60 36 30 35 14 13 2

289.41 342.14 643.78 667.86 1,165.39 968.93 904.70 1,250.73 942.56 449.75 368.25 465.65 399.04 520.37 427.98 900.89 338.00 168.05 118.94 9.30

6,691

1,480 2,511 3,681 4,401 5,167 5,577 5,846 6,123 6,264 6,341 6,402 6,466 6,501 6,561 6,597 6,627 6,662 6,676 6,689 6,691

22.12 15.41 17.49 10.76 11.45 6.13 4.02 4.14 2.11 1.15 0.91 0.96 0.52 0.90 0.54 0.45 0.52 0.21 0.19 0.03

22.12 37.53 55.01 65.77 77.22 83.35 87.37 91.51 93.62 94.77 95.68 96.64 97.16 98.06 98.60 99.04 99.57 99.78 99.97 100.00

11,341.72

289.41 2.55 2.55 631.55 3.02 5.57 1,275.33 5.68 11.24 1,943.20 5.89 17.13 3,108.59 10.28 27.41 4,077.52 8.54 35.95 4,982.22 7.98 43.93 6,232.95 11.03 54.96 7,175.51 8.31 63.27 7,625.26 3.97 67.23 7,993.51 3.25 70.48 8,459.16 4.11 74.58 8,858.20 3.52 78.10 9,378.57 4.59 82.69 9,806.55 3.77 86.46 10,707.44 7.94 94.41 11,045.43 2.98 97.39 11,213.48 1.48 98.87 11,332.42 1.05 99.92 11,341.72 0.08 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 1 0 2

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 50.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 2 50.00 100.00 2 0.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 74.31 74.31 6.56 0.00 74.31 0.00 0.00 74.31 0.00 0.00 74.31 0.00 0.00 74.31 0.00 0.00 74.31 0.00 0.00 74.31 0.00 1,058.05 1,132.36 93.44 0.00 1,132.36 0.00 1,132.36

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.56 15.96 6.56 0.00 6.56 0.00 6.56 0.00 6.56 0.00 6.56 0.00 6.56 0.00 100.00 889.60 100.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.88 0.84 0.79 0.76 0.69 0.67 0.66 9.99 9.98

9.98

Page 140 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 20 - SULAWESI SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

4,953 5,540 6,220 3,452 3,392 1,760 1,048 917 464 294 219 236 172 201 147 166 123 59 67 22

1,368.61 1,233.06 2,689.02 2,918.92 4,909.78 3,370.82 2,422.71 2,922.53 1,937.45 1,279.62 1,279.13 1,417.56 1,168.54 1,399.28 1,325.63 2,121.53 1,838.18 1,521.09 1,254.29 2,298.65

29,452

4,953 10,493 16,713 20,165 23,557 25,317 26,365 27,282 27,746 28,040 28,259 28,495 28,667 28,868 29,015 29,181 29,304 29,363 29,430 29,452

16.82 18.81 21.12 11.72 11.52 5.98 3.56 3.11 1.58 1.00 0.74 0.80 0.58 0.68 0.50 0.56 0.42 0.20 0.23 0.07

16.82 35.63 56.75 68.47 79.98 85.96 89.52 92.63 94.21 95.21 95.95 96.75 97.33 98.02 98.52 99.08 99.50 99.70 99.93 100.00

40,676.41

1,368.61 3.36 3.36 2,601.67 3.03 6.40 5,290.70 6.61 13.01 8,209.61 7.18 20.18 13,119.40 12.07 32.25 16,490.21 8.29 40.54 18,912.93 5.96 46.50 21,835.46 7.18 53.68 23,772.91 4.76 58.44 25,052.53 3.15 61.59 26,331.66 3.14 64.73 27,749.22 3.48 68.22 28,917.76 2.87 71.09 30,317.03 3.44 74.53 31,642.67 3.26 77.79 33,764.20 5.22 83.01 35,602.38 4.52 87.53 37,123.47 3.74 91.27 38,377.76 3.08 94.35 40,676.41 5.65 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 7 4 3 2 3 5 1 1 0 3 2 0 0 0 1 0 1 0 1 0 34

7 20.59 20.59 11 11.76 32.35 14 8.82 41.18 16 5.88 47.06 19 8.82 55.88 24 14.71 70.59 25 2.94 73.53 26 2.94 76.47 26 0.00 76.47 29 8.82 85.29 31 5.88 91.18 31 0.00 91.18 31 0.00 91.18 31 0.00 91.18 32 2.94 94.12 32 0.00 94.12 33 2.94 97.06 33 0.00 97.06 34 2.94 100.00 34 0.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,177.54 217.51 30.39 416.33 610.67 256.99 78.18 51.96 0.00 276.69 312.85 0.00 0.00 0.00 4.62 0.00 76.58 0.00 981.99 0.00 5,492.30

2,177.54 39.65 2,395.05 3.96 2,425.44 0.55 2,841.77 7.58 3,452.44 11.12 3,709.43 4.68 3,787.61 1.42 3,839.57 0.95 3,839.57 0.00 4,116.25 5.04 4,429.10 5.70 4,429.10 0.00 4,429.10 0.00 4,429.10 0.00 4,433.73 0.08 4,433.73 0.00 4,510.31 1.39 4,510.31 0.00 5,492.30 17.88 5,492.30 0.00

39.65 159.11 159.11 43.61 17.64 92.06 44.16 1.13 45.84 51.74 14.26 34.62 62.86 12.44 26.32 67.54 7.62 22.49 68.96 3.23 20.03 69.91 1.78 17.58 69.91 0.00 16.15 74.95 21.62 16.43 80.64 24.46 16.82 80.64 0.00 15.96 80.64 0.00 15.32 80.64 0.00 14.61 80.73 0.35 14.01 80.73 0.00 13.13 82.12 4.17 12.67 82.12 0.00 12.15 100.00 78.29 14.31 100.00 0.00 13.50 13.50

Page 141 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 21 - SULAWESI TENGGARA

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 683 819 1,010 580 595 327 216 183 80 37 15 28 32 23 3 22 15 3 1 2 4,674

683 1,502 2,512 3,092 3,687 4,014 4,230 4,413 4,493 4,530 4,545 4,573 4,605 4,628 4,631 4,653 4,668 4,671 4,672 4,674

14.61 17.52 21.61 12.41 12.73 7.00 4.62 3.92 1.71 0.79 0.32 0.60 0.68 0.49 0.06 0.47 0.32 0.06 0.02 0.04

14.61 32.14 53.74 66.15 78.88 85.88 90.50 94.42 96.13 96.92 97.24 97.84 98.52 99.02 99.08 99.55 99.87 99.94 99.96 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 143.39 145.11 405.70 479.35 854.22 717.64 628.76 649.30 406.04 162.89 98.14 244.15 169.45 118.72 43.94 143.81 271.97 49.60 1.27 75.10 5,808.56

143.39 288.50 694.19 1,173.54 2,027.77 2,745.40 3,374.16 4,023.46 4,429.50 4,592.39 4,690.53 4,934.69 5,104.14 5,222.85 5,266.80 5,410.61 5,682.58 5,732.19 5,733.46 5,808.56

2.47 2.47 2.50 4.97 6.98 11.95 8.25 20.20 14.71 34.91 12.35 47.26 10.82 58.09 11.18 69.27 6.99 76.26 2.80 79.06 1.69 80.75 4.20 84.96 2.92 87.87 2.04 89.92 0.76 90.67 2.48 93.15 4.68 97.83 0.85 98.69 0.02 98.71 1.29 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 2 2 1 1 0 1 0 0 1 0 1 0 0 0 0 0 0 0 0 9

0 2 4 5 6 6 7 7 7 8 8 9 9 9 9 9 9 9 9 9

0.00 22.22 22.22 11.11 11.11 0.00 11.11 0.00 0.00 11.11 0.00 11.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 22.22 44.44 55.56 66.67 66.67 77.78 77.78 77.78 88.89 88.89 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 153.23 306.60 179.05 8.88 0.00 90.00 0.00 0.00 98.00 0.00 3,650.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4,485.76

0.00 0.00 153.23 3.42 459.82 6.83 638.88 3.99 647.76 0.20 647.76 0.00 737.76 2.01 737.76 0.00 737.76 0.00 835.76 2.18 835.76 0.00 4,485.76 81.37 4,485.76 0.00 4,485.76 0.00 4,485.76 0.00 4,485.76 0.00 4,485.76 0.00 4,485.76 0.00 4,485.76 0.00 4,485.76 0.00

0.00 0.00 3.42 105.59 10.25 75.57 14.24 37.35 14.44 1.04 14.44 0.00 16.45 14.31 16.45 0.00 16.45 0.00 18.63 60.16 18.63 0.00 100.00 1494.9 100.00 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

0.00 53.11 66.24 54.44 31.94 23.59 21.86 18.34 16.66 18.20 17.82 90.90 87.88 85.89 85.17 82.91 78.94 78.26 78.24 77.23

77.23

Page 142 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 22 - BALI

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

3,534 3,037 3,468 2,445 2,743 1,714 1,545 1,358 911 507 385 455 260 343 181 295 211 76 79 48

1,946.55 826.15 1,134.48 1,335.72 2,464.89 4,977.24 2,819.45 3,095.13 2,636.42 1,852.61 1,476.60 2,367.71 1,579.66 2,639.53 1,755.66 3,541.54 2,693.47 1,144.20 1,070.94 1,551.04

23,595

3,534 6,571 10,039 12,484 15,227 16,941 18,486 19,844 20,755 21,262 21,647 22,102 22,362 22,705 22,886 23,181 23,392 23,468 23,547 23,595

14.98 12.87 14.70 10.36 11.63 7.26 6.55 5.76 3.86 2.15 1.63 1.93 1.10 1.45 0.77 1.25 0.89 0.32 0.33 0.20

14.98 27.85 42.55 52.91 64.53 71.80 78.35 84.10 87.96 90.11 91.74 93.67 94.77 96.23 97.00 98.25 99.14 99.46 99.80 100.00

42,909.00

1,946.55 4.54 4.54 2,772.71 1.93 6.46 3,907.19 2.64 9.11 5,242.91 3.11 12.22 7,707.80 5.74 17.96 12,685.04 11.60 29.56 15,504.49 6.57 36.13 18,599.62 7.21 43.35 21,236.04 6.14 49.49 23,088.65 4.32 53.81 24,565.25 3.44 57.25 26,932.96 5.52 62.77 28,512.62 3.68 66.45 31,152.15 6.15 72.60 32,907.81 4.09 76.69 36,449.35 8.25 84.95 39,142.82 6.28 91.22 40,287.02 2.67 93.89 41,357.97 2.50 96.39 42,909.00 3.61 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 5 0 2 3 1 1 10 3 12 7 2 10 2 5 0 7 10 3 9 5 97

5 5 7 10 11 12 22 25 37 44 46 56 58 63 63 70 80 83 92 97

5.15 5.15 0.00 5.15 2.06 7.22 3.09 10.31 1.03 11.34 1.03 12.37 10.31 22.68 3.09 25.77 12.37 38.14 7.22 45.36 2.06 47.42 10.31 57.73 2.06 59.79 5.15 64.95 0.00 64.95 7.22 72.16 10.31 82.47 3.09 85.57 9.28 94.85 5.15 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 424.44 0.00 60.73 131.27 389.56 275.06 1,509.29 126.61 660.65 211.14 21.90 542.22 3.36 18.79 0.00 286.89 346.05 183.00 1,930.76 402.09 7,523.79

424.44 5.64 424.44 0.00 485.16 0.81 616.43 1.74 1,005.99 5.18 1,281.05 3.66 2,790.34 20.06 2,916.94 1.68 3,577.60 8.78 3,788.73 2.81 3,810.63 0.29 4,352.85 7.21 4,356.22 0.04 4,375.00 0.25 4,375.00 0.00 4,661.89 3.81 5,007.94 4.60 5,190.94 2.43 7,121.70 25.66 7,523.79 5.34

5.64 21.80 5.64 0.00 6.45 5.35 8.19 9.83 13.37 15.80 17.03 5.53 37.09 53.53 38.77 4.09 47.55 25.06 50.36 11.40 50.65 1.48 57.85 22.90 57.90 0.21 58.15 0.71 58.15 0.00 61.96 8.10 66.56 12.85 68.99 15.99 94.66 180.29 100.00 25.92

21.80 15.31 12.42 11.76 13.05 10.10 18.00 15.68 16.85 16.41 15.51 16.16 15.28 14.04 13.29 12.79 12.79 12.88 17.22 17.53

17.53

Page 143 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 23 - NUSA TENGGARA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,100 1,334 1,437 764 647 377 221 199 103 45 49 53 41 38 15 31 10 10 7 2 6,483

1,100 2,434 3,871 4,635 5,282 5,659 5,880 6,079 6,182 6,227 6,276 6,329 6,370 6,408 6,423 6,454 6,464 6,474 6,481 6,483

16.97 20.58 22.17 11.78 9.98 5.82 3.41 3.07 1.59 0.69 0.76 0.82 0.63 0.59 0.23 0.48 0.15 0.15 0.11 0.03

16.97 37.54 59.71 71.49 81.47 87.29 90.70 93.77 95.36 96.05 96.81 97.62 98.26 98.84 99.07 99.55 99.71 99.86 99.97 100.00

PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 285.69 334.20 728.24 619.27 867.20 748.27 615.41 538.80 391.14 184.70 307.17 329.72 394.95 385.05 122.51 902.36 100.50 86.83 74.83 20.21 8,037.04

285.69 3.55 3.55 619.90 4.16 7.71 1,348.13 9.06 16.77 1,967.40 7.71 24.48 2,834.60 10.79 35.27 3,582.87 9.31 44.58 4,198.28 7.66 52.24 4,737.08 6.70 58.94 5,128.22 4.87 63.81 5,312.91 2.30 66.11 5,620.08 3.82 69.93 5,949.80 4.10 74.03 6,344.75 4.91 78.94 6,729.80 4.79 83.73 6,852.31 1.52 85.26 7,754.67 11.23 96.49 7,855.18 1.25 97.74 7,942.01 1.08 98.82 8,016.83 0.93 99.75 8,037.04 0.25 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 1 1 0 0 5 2 0 4 0 0 0 0 0 1 80 0 0 0 0 94

0 0.00 0.00 1 1.06 1.06 2 1.06 2.13 2 0.00 2.13 2 0.00 2.13 7 5.32 7.45 9 2.13 9.57 9 0.00 9.57 13 4.26 13.83 13 0.00 13.83 13 0.00 13.83 13 0.00 13.83 13 0.00 13.83 13 0.00 13.83 14 1.06 14.89 94 85.11 100.00 94 0.00 100.00 94 0.00 100.00 94 0.00 100.00 94 0.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 7.56 92.27 0.00 0.00 24.31 14.02 0.00 49.26 0.00 0.00 0.00 0.00 0.00 248.35 682.71 0.00 0.00 0.00 0.00 1,118.47

0.00 0.00 7.56 0.68 99.83 8.25 99.83 0.00 99.83 0.00 124.13 2.17 138.15 1.25 138.15 0.00 187.41 4.40 187.41 0.00 187.41 0.00 187.41 0.00 187.41 0.00 187.41 0.00 435.76 22.20 1,118.47 61.04 1,118.47 0.00 1,118.47 0.00 1,118.47 0.00 1,118.47 0.00

0.00 0.00 0.68 2.26 8.93 12.67 8.93 0.00 8.93 0.00 11.10 3.25 12.35 2.28 12.35 0.00 16.76 12.59 16.76 0.00 16.76 0.00 16.76 0.00 16.76 0.00 16.76 0.00 38.96 202.72 100.00 75.66 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

0.00 1.22 7.40 5.07 3.52 3.46 3.29 2.92 3.65 3.53 3.33 3.15 2.95 2.78 6.36 14.42 14.24 14.08 13.95 13.92

13.92

Page 144 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 24 - NUSA TENGGARA TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

713 835 1,024 577 621 444 248 196 111 61 39 38 20 32 8 11 10 3 1 1

126.23 243.92 530.77 536.46 1,058.08 1,011.02 818.62 856.27 624.76 345.46 219.18 329.33 156.47 187.14 43.58 89.50 124.47 391.08 -1.39 -0.53

4,993

713 1,548 2,572 3,149 3,770 4,214 4,462 4,658 4,769 4,830 4,869 4,907 4,927 4,959 4,967 4,978 4,988 4,991 4,992 4,993

14.28 16.72 20.51 11.56 12.44 8.89 4.97 3.93 2.22 1.22 0.78 0.76 0.40 0.64 0.16 0.22 0.20 0.06 0.02 0.02

14.28 31.00 51.51 63.07 75.51 84.40 89.37 93.29 95.51 96.74 97.52 98.28 98.68 99.32 99.48 99.70 99.90 99.96 99.98 100.00

7,690.39

126.23 370.14 900.91 1,437.37 2,495.45 3,506.46 4,325.08 5,181.35 5,806.11 6,151.56 6,370.74 6,700.07 6,856.54 7,043.68 7,087.26 7,176.76 7,301.23 7,692.31 7,690.92 7,690.39

1.64 1.64 3.17 4.81 6.90 11.71 6.98 18.69 13.76 32.45 13.15 45.60 10.64 56.24 11.13 67.37 8.12 75.50 4.49 79.99 2.85 82.84 4.28 87.12 2.03 89.16 2.43 91.59 0.57 92.16 1.16 93.32 1.62 94.94 5.09 100.02 -0.02 100.01 -0.01 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 0 0 1 0 0 1 0 0 0 0 0 0 1 0 0 0 0 0 3

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 1 33.33 33.33 1 0.00 33.33 1 0.00 33.33 2 33.33 66.67 2 0.00 66.67 2 0.00 66.67 2 0.00 66.67 2 0.00 66.67 2 0.00 66.67 2 0.00 66.67 3 33.33 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 216.30 0.00 0.00 27.63 0.00 0.00 0.00 0.00 0.00 0.00 16.15 0.00 0.00 0.00 0.00 0.00 260.08

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 216.30 83.17 216.30 0.00 216.30 0.00 243.92 10.62 243.92 0.00 243.92 0.00 243.92 0.00 243.92 0.00 243.92 0.00 243.92 0.00 260.08 6.21 260.08 0.00 260.08 0.00 260.08 0.00 260.08 0.00 260.08 0.00

0.00 0.00 0.00 0.00 83.17 83.17 83.17 93.79 93.79 93.79 93.79 93.79 93.79 93.79 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 20.44 0.00 0.00 3.23 0.00 0.00 0.00 0.00 0.00 0.00 37.06 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 8.67 6.17 5.00 4.71 4.20 3.97 3.83 3.64 3.56 3.46 3.67 3.62 3.56 3.38 3.38 3.38

3.38

Page 145 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 25 - MALUKU

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 178 294 298 186 219 116 107 97 43 26 24 17 14 19 11 22 10 1 2 2 1,686

178 472 770 956 1,175 1,291 1,398 1,495 1,538 1,564 1,588 1,605 1,619 1,638 1,649 1,671 1,681 1,682 1,684 1,686

10.56 17.44 17.67 11.03 12.99 6.88 6.35 5.75 2.55 1.54 1.42 1.01 0.83 1.13 0.65 1.30 0.59 0.06 0.12 0.12

10.56 28.00 45.67 56.70 69.69 76.57 82.92 88.67 91.22 92.76 94.19 95.20 96.03 97.15 97.81 99.11 99.70 99.76 99.88 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 53.27 73.19 183.31 162.21 387.63 268.46 382.38 443.73 237.61 151.24 148.36 92.03 176.24 189.23 98.65 186.40 90.65 11.45 0.99 13.33 3,350.35

53.27 1.59 1.59 126.46 2.18 3.77 309.77 5.47 9.25 471.98 4.84 14.09 859.61 11.57 25.66 1,128.07 8.01 33.67 1,510.45 11.41 45.08 1,954.17 13.24 58.33 2,191.78 7.09 65.42 2,343.02 4.51 69.93 2,491.38 4.43 74.36 2,583.41 2.75 77.11 2,759.65 5.26 82.37 2,948.89 5.65 88.02 3,047.54 2.94 90.96 3,233.93 5.56 96.53 3,324.59 2.71 99.23 3,336.04 0.34 99.57 3,337.02 0.03 99.60 3,350.35 0.40 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 3 0 0 0 0 0 0 3

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 3 100.0 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP 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 24.00 0.00 0.00 0.00 0.00 0.00 0.00 24.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 24.00 100.0 24.00 0.00 24.00 0.00 24.00 0.00 24.00 0.00 24.00 0.00 24.00 0.00

0.00 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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.68 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.81 0.79 0.74 0.72 0.72 0.72 0.72

0.72

Page 146 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 26 - IRIAN JAYA

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 694 639 970 698 758 440 302 261 156 88 60 79 39 61 25 31 26 5 9 0 5,341

694 1,333 2,303 3,001 3,759 4,199 4,501 4,762 4,918 5,006 5,066 5,145 5,184 5,245 5,270 5,301 5,327 5,332 5,341 5,341

12.99 11.96 18.16 13.07 14.19 8.24 5.65 4.89 2.92 1.65 1.12 1.48 0.73 1.14 0.47 0.58 0.49 0.09 0.17 0.00

12.99 24.96 43.12 56.19 70.38 78.62 84.27 89.16 92.08 93.73 94.85 96.33 97.06 98.20 98.67 99.25 99.74 99.83 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 201.14 168.66 438.20 594.34 1,115.29 1,125.34 1,116.38 1,339.51 957.50 660.20 479.86 638.37 503.73 733.84 441.45 302.50 252.66 98.54 166.72 0.00 11,334.23

201.14 1.77 1.77 369.80 1.49 3.26 808.00 3.87 7.13 1,402.34 5.24 12.37 2,517.63 9.84 22.21 3,642.97 9.93 32.14 4,759.35 9.85 41.99 6,098.86 11.82 53.81 7,056.36 8.45 62.26 7,716.56 5.82 68.08 8,196.41 4.23 72.32 8,834.79 5.63 77.95 9,338.52 4.44 82.39 10,072.35 6.47 88.87 10,513.80 3.89 92.76 10,816.30 2.67 95.43 11,068.97 2.23 97.66 11,167.51 0.87 98.53 11,334.23 1.47 100.00 11,334.23 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 3 1 1 0 1 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 7

3 4 5 5 6 6 6 6 6 6 6 7 7 7 7 7 7 7 7 7

42.86 14.29 14.29 0.00 14.29 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 0.00 0.00

42.86 57.14 71.43 71.43 85.71 85.71 85.71 85.71 85.71 85.71 85.71 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 116.71 50.72 2.00 0.00 38.06 0.00 0.00 0.00 0.00 0.00 0.00 22.69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 230.17

116.71 50.70 167.43 22.04 169.43 0.87 169.43 0.00 207.49 16.54 207.49 0.00 207.49 0.00 207.49 0.00 207.49 0.00 207.49 0.00 207.49 0.00 230.17 9.86 230.17 0.00 230.17 0.00 230.17 0.00 230.17 0.00 230.17 0.00 230.17 0.00 230.17 0.00 230.17 0.00

50.70 72.74 73.61 73.61 90.14 90.14 90.14 90.14 90.14 90.14 90.14 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

58.02 30.07 0.46 0.00 3.41 0.00 0.00 0.00 0.00 0.00 0.00 3.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

58.02 45.27 20.97 12.08 8.24 5.70 4.36 3.40 2.94 2.69 2.53 2.61 2.46 2.29 2.19 2.13 2.08 2.06 2.03 2.03

2.03

Page 147 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 27 - MALUKU UTARA

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 131 162 211 85 127 100 93 93 59 35 9 16 16 15 3 4 1 1 7 0 1,168

131 293 504 589 716 816 909 1,002 1,061 1,096 1,105 1,121 1,137 1,152 1,155 1,159 1,160 1,161 1,168 1,168

11.22 13.87 18.07 7.28 10.87 8.56 7.96 7.96 5.05 3.00 0.77 1.37 1.37 1.28 0.26 0.34 0.09 0.09 0.60 0.00

11.22 25.09 43.15 50.43 61.30 69.86 77.83 85.79 90.84 93.84 94.61 95.98 97.35 98.63 98.89 99.23 99.32 99.40 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 27.70 36.29 119.32 83.19 202.33 251.74 357.18 463.32 419.84 283.13 72.28 157.19 165.88 206.11 72.21 69.22 2.88 18.78 317.25 0.00 3,325.82

27.70 0.83 0.83 63.99 1.09 1.92 183.31 3.59 5.51 266.50 2.50 8.01 468.83 6.08 14.10 720.57 7.57 21.67 1,077.75 10.74 32.41 1,541.07 13.93 46.34 1,960.91 12.62 58.96 2,244.03 8.51 67.47 2,316.31 2.17 69.65 2,473.50 4.73 74.37 2,639.38 4.99 79.36 2,845.48 6.20 85.56 2,917.69 2.17 87.73 2,986.91 2.08 89.81 2,989.79 0.09 89.90 3,008.57 0.56 90.46 3,325.82 9.54 100.00 3,325.82 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1

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 1 100.0 100.00 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

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.64

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.64 100.0 15.64 0.00 15.64 0.00 15.64 0.00 15.64 0.00 15.64 0.00 15.64 0.00 15.64 0.00 15.64 0.00 15.64 0.00 15.64 0.00 15.64 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 3.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.80 0.70 0.68 0.63 0.59 0.55 0.54 0.52 0.52 0.52 0.47 0.47

0.47

Page 148 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 28 - IRIAN JAYA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 294 343 505 232 234 152 109 59 67 22 24 20 14 18 11 14 7 3 1 3 2,132

294 637 1,142 1,374 1,608 1,760 1,869 1,928 1,995 2,017 2,041 2,061 2,075 2,093 2,104 2,118 2,125 2,128 2,129 2,132

13.79 16.09 23.69 10.88 10.98 7.13 5.11 2.77 3.14 1.03 1.13 0.94 0.66 0.84 0.52 0.66 0.33 0.14 0.05 0.14

13.79 29.88 53.56 64.45 75.42 82.55 87.66 90.43 93.57 94.61 95.73 96.67 97.33 98.17 98.69 99.34 99.67 99.81 99.86 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 143.09 57.64 163.53 147.79 327.78 382.13 344.88 265.17 331.28 142.68 197.11 155.50 146.06 118.74 151.66 279.14 123.97 42.00 2.68 4.32 3,527.13

143.09 4.06 4.06 200.73 1.63 5.69 364.26 4.64 10.33 512.04 4.19 14.52 839.82 9.29 23.81 1,221.95 10.83 34.64 1,566.84 9.78 44.42 1,832.00 7.52 51.94 2,163.28 9.39 61.33 2,305.96 4.05 65.38 2,503.07 5.59 70.97 2,658.57 4.41 75.37 2,804.63 4.14 79.52 2,923.36 3.37 82.88 3,075.02 4.30 87.18 3,354.16 7.91 95.10 3,478.13 3.51 98.61 3,520.13 1.19 99.80 3,522.81 0.08 99.88 3,527.13 0.12 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2

1 50.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 2 50.00 100.00 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

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 68.48 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 68.48

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 68.48 100.0 68.48 0.00 68.48 0.00 68.48 0.00 68.48 0.00 68.48 0.00 68.48 0.00 68.48 0.00 68.48 0.00 68.48 0.00 68.48 0.00 68.48 0.00 68.48 0.00 68.48 0.00 68.48 0.00 68.48 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

0.00 0.00 0.00 0.00 20.89 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 8.15 5.60 4.37 3.74 3.17 2.97 2.74 2.58 2.44 2.34 2.23 2.04 1.97 1.95 1.94 1.94

1.94

Page 149 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 29 - BANTEN

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 6,983 7,683 10,619 7,171 7,478 3,663 2,265 1,825 1,084 663 599 693 549 766 491 884 809 383 518 177 55,303

6,983 14,666 25,285 32,456 39,934 43,597 45,862 47,687 48,771 49,434 50,033 50,726 51,275 52,041 52,532 53,416 54,225 54,608 55,126 55,303

12.63 13.89 19.20 12.97 13.52 6.62 4.10 3.30 1.96 1.20 1.08 1.25 0.99 1.39 0.89 1.60 1.46 0.69 0.94 0.32

12.63 26.52 45.72 58.69 72.21 78.83 82.93 86.23 88.19 89.39 90.47 91.72 92.72 94.10 94.99 96.59 98.05 98.74 99.68 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 8,107.81 1,705.09 3,441.84 3,836.98 5,644.09 4,355.38 3,729.38 4,142.67 3,479.78 2,487.79 2,534.19 3,659.33 3,403.74 5,908.85 5,009.53 11,095.67 14,916.75 6,436.04 6,238.73 5,307.00 105,440.66

8,107.81 7.69 7.69 9,812.90 1.62 9.31 13,254.74 3.26 12.57 17,091.73 3.64 16.21 22,735.82 5.35 21.56 27,091.20 4.13 25.69 30,820.58 3.54 29.23 34,963.26 3.93 33.16 38,443.03 3.30 36.46 40,930.82 2.36 38.82 43,465.01 2.40 41.22 47,124.34 3.47 44.69 50,528.08 3.23 47.92 56,436.93 5.60 53.52 61,446.46 4.75 58.28 72,542.13 10.52 68.80 87,458.89 14.15 82.95 93,894.93 6.10 89.05 100,133.66 5.92 94.97 105,440.66 5.03 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

24 7 10 7 12 10 10 10 3 5 6 8 5 11 8 26 15 13 12 10

24 11.32 11.32 3,905.52 31 3.30 14.62 188.14 41 4.72 19.34 314.08 48 3.30 22.64 408.46 60 5.66 28.30 244.80 70 4.72 33.02 841.74 80 4.72 37.74 3,865.66 90 4.72 42.45 487.56 93 1.42 43.87 2,693.88 98 2.36 46.23 336.47 104 2.83 49.06 608.25 112 3.77 52.83 1,523.15 117 2.36 55.19 855.69 128 5.19 60.38 1,751.29 136 3.77 64.15 728.21 162 12.26 76.42 16,780.10 177 7.08 83.49 -142.71 190 6.13 89.62 814.58 202 5.66 95.28 1,416.91 212 4.72 100.00 4,618.84

212

42,240.61

3,905.52 9.25 4,093.66 0.45 4,407.74 0.74 4,816.19 0.97 5,060.99 0.58 5,902.73 1.99 9,768.39 9.15 10,255.95 1.15 12,949.83 6.38 13,286.30 0.80 13,894.55 1.44 15,417.70 3.61 16,273.38 2.03 18,024.67 4.15 18,752.88 1.72 35,532.98 39.73 35,390.27 -0.34 36,204.85 1.93 37,621.76 3.35 42,240.61 10.93

9.25 48.17 9.69 11.03 10.43 9.13 11.40 10.65 11.98 4.34 13.97 19.33 23.13 103.65 24.28 11.77 30.66 77.42 31.45 13.52 32.89 24.00 36.50 41.62 38.53 25.14 42.67 29.64 44.40 14.54 84.12 151.23 83.78 -0.96 85.71 12.66 89.07 22.71 100.00 87.03

48.17 41.72 33.25 28.18 22.26 21.79 31.69 29.33 33.69 32.46 31.97 32.72 32.21 31.94 30.52 48.98 40.47 38.56 37.57 40.06

40.06

Page 150 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 30 - BANGKA BELITUNG

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 305 342 407 288 349 262 171 132 63 38 24 23 28 34 12 17 21 13 17 15 2,561

305 647 1,054 1,342 1,691 1,953 2,124 2,256 2,319 2,357 2,381 2,404 2,432 2,466 2,478 2,495 2,516 2,529 2,546 2,561

11.91 13.35 15.89 11.25 13.63 10.23 6.68 5.15 2.46 1.48 0.94 0.90 1.09 1.33 0.47 0.66 0.82 0.51 0.66 0.59

11.91 25.26 41.16 52.40 66.03 76.26 82.94 88.09 90.55 92.03 92.97 93.87 94.96 96.29 96.76 97.42 98.24 98.75 99.41 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 280.82 71.36 160.50 185.86 400.02 398.23 375.07 351.04 266.66 162.69 142.37 108.70 142.80 237.62 89.23 205.91 205.47 169.69 354.06 91.59 4,399.69

280.82 352.18 512.68 698.54 1,098.56 1,496.79 1,871.86 2,222.90 2,489.56 2,652.25 2,794.62 2,903.32 3,046.12 3,283.74 3,372.97 3,578.88 3,784.34 3,954.03 4,308.09 4,399.69

6.38 6.38 1.62 8.00 3.65 11.65 4.22 15.88 9.09 24.97 9.05 34.02 8.52 42.55 7.98 50.52 6.06 56.58 3.70 60.28 3.24 63.52 2.47 65.99 3.25 69.23 5.40 74.64 2.03 76.66 4.68 81.34 4.67 86.01 3.86 89.87 8.05 97.92 2.08 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 3 0 6

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 2 3 6 6

16.67 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 16.67 33.33 16.67 50.00 50.00 100.00 0.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 367.60 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 11.32 55.14 421.05 0.00 855.11

367.60 42.99 367.60 0.00 367.60 0.00 367.60 0.00 367.60 0.00 367.60 0.00 367.60 0.00 367.60 0.00 367.60 0.00 367.60 0.00 367.60 0.00 367.60 0.00 367.60 0.00 367.60 0.00 367.60 0.00 367.60 0.00 378.92 1.32 434.06 6.45 855.11 49.24 855.11 0.00

42.99 130.90 130.90 42.99 0.00 104.38 42.99 0.00 71.70 42.99 0.00 52.62 42.99 0.00 33.46 42.99 0.00 24.56 42.99 0.00 19.64 42.99 0.00 16.54 42.99 0.00 14.77 42.99 0.00 13.86 42.99 0.00 13.15 42.99 0.00 12.66 42.99 0.00 12.07 42.99 0.00 11.19 42.99 0.00 10.90 42.99 0.00 10.27 44.31 5.51 10.01 50.76 32.49 10.98 100.00 118.92 19.85 100.00 0.00 19.44 19.44

Page 151 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 31 - GORONTALO

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 223 348 424 238 276 180 93 79 52 28 21 19 13 11 5 10 13 4 1 0 2,038

223 571 995 1,233 1,509 1,689 1,782 1,861 1,913 1,941 1,962 1,981 1,994 2,005 2,010 2,020 2,033 2,037 2,038 2,038

10.94 17.08 20.80 11.68 13.54 8.83 4.56 3.88 2.55 1.37 1.03 0.93 0.64 0.54 0.25 0.49 0.64 0.20 0.05 0.00

10.94 28.02 48.82 60.50 74.04 82.88 87.44 91.32 93.87 95.24 96.27 97.20 97.84 98.38 98.63 99.12 99.75 99.95 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 41.63 93.14 194.71 173.84 311.98 317.87 298.58 281.30 282.54 188.42 100.67 160.56 114.52 221.11 56.09 22.65 133.47 42.41 25.08 0.00 3,060.58

41.63 1.36 1.36 134.77 3.04 4.40 329.48 6.36 10.77 503.33 5.68 16.45 815.30 10.19 26.64 1,133.17 10.39 37.02 1,431.75 9.76 46.78 1,713.05 9.19 55.97 1,995.59 9.23 65.20 2,184.01 6.16 71.36 2,284.68 3.29 74.65 2,445.24 5.25 79.89 2,559.76 3.74 83.64 2,780.87 7.22 90.86 2,836.97 1.83 92.69 2,859.62 0.74 93.43 2,993.09 4.36 97.79 3,035.50 1.39 99.18 3,060.58 0.82 100.00 3,060.58 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 2 1 0 0 3 0 0 0 2 0 0 0 1 0 0 0 0 0 9

0 0 2 3 3 3 6 6 6 6 8 8 8 8 9 9 9 9 9 9

0.00 0.00 22.22 11.11 0.00 0.00 33.33 0.00 0.00 0.00 22.22 0.00 0.00 0.00 11.11 0.00 0.00 0.00 0.00 0.00

0.00 0.00 22.22 33.33 33.33 33.33 66.67 66.67 66.67 66.67 88.89 88.89 88.89 88.89 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 60.50 1.75 0.00 0.00 343.37 0.00 0.00 0.00 78.65 0.00 0.00 0.00 443.56 0.00 0.00 0.00 0.00 0.00 927.83

0.00 0.00 0.00 0.00 60.50 6.52 62.25 0.19 62.25 0.00 62.25 0.00 405.62 37.01 405.62 0.00 405.62 0.00 405.62 0.00 484.27 8.48 484.27 0.00 484.27 0.00 484.27 0.00 927.83 47.81 927.83 0.00 927.83 0.00 927.83 0.00 927.83 0.00 927.83 0.00

0.00 0.00 0.00 0.00 6.52 31.07 6.71 1.01 6.71 0.00 6.71 0.00 43.72 115.00 43.72 0.00 43.72 0.00 43.72 0.00 52.19 78.12 52.19 0.00 52.19 0.00 52.19 0.00 100.00 790.74 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

0.00 0.00 18.36 12.37 7.64 5.49 28.33 23.68 20.33 18.57 21.20 19.80 18.92 17.41 32.70 32.45 31.00 30.57 30.32 30.32

30.32

Page 152 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 32 - KEPULAUAN RIAU

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,311 2,650 3,110 2,073 2,148 955 665 430 306 147 95 153 64 144 87 119 125 55 98 41 15,776

2,311 4,961 8,071 10,144 12,292 13,247 13,912 14,342 14,648 14,795 14,890 15,043 15,107 15,251 15,338 15,457 15,582 15,637 15,735 15,776

14.65 16.80 19.71 13.14 13.62 6.05 4.22 2.73 1.94 0.93 0.60 0.97 0.41 0.91 0.55 0.75 0.79 0.35 0.62 0.26

14.65 31.45 51.16 64.30 77.92 83.97 88.18 90.91 92.85 93.78 94.38 95.35 95.76 96.67 97.22 97.98 98.77 99.12 99.74 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,484.68 499.65 1,050.88 1,448.34 2,536.28 1,656.65 1,520.43 1,374.23 1,139.74 666.30 480.31 906.89 722.45 1,334.59 917.27 1,799.27 2,399.23 1,110.81 3,816.24 57,243.64 84,107.88

1,484.68 1.77 1.77 1,984.34 0.59 2.36 3,035.22 1.25 3.61 4,483.56 1.72 5.33 7,019.83 3.02 8.35 8,676.48 1.97 10.32 10,196.91 1.81 12.12 11,571.13 1.63 13.76 12,710.87 1.36 15.11 13,377.17 0.79 15.90 13,857.47 0.57 16.48 14,764.36 1.08 17.55 15,486.82 0.86 18.41 16,821.41 1.59 20.00 17,738.68 1.09 21.09 19,537.95 2.14 23.23 21,937.18 2.85 26.08 23,048.00 1.32 27.40 26,864.23 4.54 31.94 84,107.88 68.06 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 3 1 0 3 3 2 0 3 0 1 0 0 0 6 0 3 4 2 8 0 39

3 7.69 7.69 4 2.56 10.26 4 0.00 10.26 7 7.69 17.95 10 7.69 25.64 12 5.13 30.77 12 0.00 30.77 15 7.69 38.46 15 0.00 38.46 16 2.56 41.03 16 0.00 41.03 16 0.00 41.03 16 0.00 41.03 22 15.38 56.41 22 0.00 56.41 25 7.69 64.10 29 10.26 74.36 31 5.13 79.49 39 20.51 100.00 39 0.00 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 38.93 0.96 0.00 243.71 939.87 889.72 0.00 118.54 0.00 4.14 0.00 0.00 0.00 62.81 0.00 9,245.30 109.93 289.67 6,215.72 0.00 18,159.30

38.93 0.21 39.89 0.01 39.89 0.00 283.60 1.34 1,223.47 5.18 2,113.19 4.90 2,113.19 0.00 2,231.73 0.65 2,231.73 0.00 2,235.87 0.02 2,235.87 0.00 2,235.87 0.00 2,235.87 0.00 2,298.68 0.35 2,298.68 0.00 11,543.98 50.91 11,653.91 0.61 11,943.58 1.60 18,159.30 34.23 18,159.30 0.00

0.21 2.62 0.22 0.19 0.22 0.00 1.56 16.83 6.74 37.06 11.64 53.71 11.64 0.00 12.29 8.63 12.29 0.00 12.31 0.62 12.31 0.00 12.31 0.00 12.31 0.00 12.66 4.71 12.66 0.00 63.57 513.84 64.18 4.58 65.77 26.08 100.00 162.88 100.00 0.00

2.62 2.01 1.31 6.33 17.43 24.36 20.72 19.29 17.56 16.71 16.13 15.14 14.44 13.67 12.96 59.08 53.12 51.82 67.60 21.59

21.59

Page 153 of 204

RISK AND LOSS PROFILE 2009

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

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: All Code

BAND

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

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 130,370 125,557 173,814 113,495 129,113 68,555 50,525 39,748 22,224 12,425 9,797 11,708 7,590 9,638 5,929 9,972 8,141 3,830 4,629 1,607 938,667

130,370 255,927 429,741 543,236 672,349 740,904 791,429 831,177 853,401 865,826 875,623 887,331 894,921 904,559 910,488 920,460 928,601 932,431 937,060 938,667

13.89 13.38 18.52 12.09 13.75 7.30 5.38 4.23 2.37 1.32 1.04 1.25 0.81 1.03 0.63 1.06 0.87 0.41 0.49 0.17

13.89 27.26 45.78 57.87 71.63 78.93 84.31 88.55 90.92 92.24 93.28 94.53 95.34 96.37 97.00 98.06 98.93 99.34 99.83 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 71,514.52 26,891.91 64,164.57 66,627.19 117,010.46 90,175.06 93,203.27 95,663.34 70,247.66 49,004.79 47,231.35 60,281.60 47,564.70 73,457.07 54,865.16 120,106.96 126,001.97 58,483.96 90,812.28 159,512.22 1,582,820.03

71,514.52 4.52 4.52 98,406.42 1.70 6.22 162,570.99 4.05 10.27 229,198.18 4.21 14.48 346,208.64 7.39 21.87 436,383.70 5.70 27.57 529,586.97 5.89 33.46 625,250.31 6.04 39.50 695,497.97 4.44 43.94 744,502.76 3.10 47.04 791,734.10 2.98 50.02 852,015.71 3.81 53.83 899,580.40 3.01 56.83 973,037.47 4.64 61.47 1,027,902.63 3.47 64.94 1,148,009.59 7.59 72.53 1,274,011.57 7.96 80.49 1,332,495.53 3.69 84.18 1,423,307.81 5.74 89.92 1,582,820.03 10.08 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 57 24 51 50 61 21 37 31 17 11 10 21 8 10 30 30 36 18 38 54 615

57 81 132 182 243 264 301 332 349 360 370 391 399 409 439 469 505 523 561 615

9.27 9.27 3.90 13.17 8.29 21.46 8.13 29.59 9.92 39.51 3.41 42.93 6.02 48.94 5.04 53.98 2.76 56.75 1.79 58.54 1.63 60.16 3.41 63.58 1.30 64.88 1.63 66.50 4.88 71.38 4.88 76.26 5.85 82.11 2.93 85.04 6.18 91.22 8.78 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 21,474.82 1,613.54 4,590.48 5,851.15 9,248.81 5,972.96 12,920.85 6,675.46 11,105.08 3,188.29 4,188.96 10,976.55 2,850.20 4,980.41 6,604.85 45,281.08 93,442.04 11,841.57 99,952.89 56,314.61 419,074.60

21,474.82 23,088.35 27,678.84 33,529.99 42,778.80 48,751.76 61,672.61 68,348.07 79,453.14 82,641.43 86,830.39 97,806.94 100,657.14 105,637.55 112,242.40 157,523.48 250,965.52 262,807.09 362,759.99 419,074.60

5.12 0.39 1.10 1.40 2.21 1.43 3.08 1.59 2.65 0.76 1.00 2.62 0.68 1.19 1.58 10.81 22.30 2.83 23.85 13.44

5.12 30.03 5.51 6.00 6.60 7.15 8.00 8.78 10.21 7.90 11.63 6.62 14.72 13.86 16.31 6.98 18.96 15.81 19.72 6.51 20.72 8.87 23.34 18.21 24.02 5.99 25.21 6.78 26.78 12.04 37.59 37.70 59.89 74.16 62.71 20.25 86.56 110.07 100.00 35.30

30.03 23.46 17.03 14.63 12.36 11.17 11.65 10.93 11.42 11.10 10.97 11.48 11.19 10.86 10.92 13.72 19.70 19.72 25.49 26.48

26.48

Page 154 of 204

RISK AND LOSS PROFILE 2009 GROUP BY CLASS OF BUSINESS

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

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: FIRE

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 110,548 116,122 159,650 102,140 111,866 55,617 38,047 27,592 14,116 7,330 5,545 6,201 3,724 4,439 2,258 3,397 2,372 974 1,140 565 773,643

110,548 226,670 386,320 488,460 600,326 655,943 693,990 721,582 735,698 743,028 748,573 754,774 758,498 762,937 765,195 768,592 770,964 771,938 773,078 773,643

14.29 15.01 20.64 13.20 14.46 7.19 4.92 3.57 1.82 0.95 0.72 0.80 0.48 0.57 0.29 0.44 0.31 0.13 0.15 0.07

14.29 29.30 49.94 63.14 77.60 84.79 89.70 93.27 95.10 96.04 96.76 97.56 98.04 98.62 98.91 99.35 99.65 99.78 99.93 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 40,853.82 25,066.27 60,239.85 61,662.14 105,714.59 78,708.90 76,717.41 74,981.53 51,189.92 34,180.57 31,292.21 38,736.99 29,093.13 42,447.89 27,397.31 54,188.25 43,711.71 17,804.30 17,461.24 84,140.58 995,588.61

40,853.82 4.10 4.10 65,920.09 2.52 6.62 126,159.95 6.05 12.67 187,822.08 6.19 18.87 293,536.67 10.62 29.48 372,245.57 7.91 37.39 448,962.98 7.71 45.10 523,944.51 7.53 52.63 575,134.43 5.14 57.77 609,315.01 3.43 61.20 640,607.21 3.14 64.34 679,344.20 3.89 68.24 708,437.33 2.92 71.16 750,885.22 4.26 75.42 778,282.53 2.75 78.17 832,470.78 5.44 83.62 876,182.49 4.39 88.01 893,986.79 1.79 89.79 911,448.02 1.75 91.55 995,588.61 8.45 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 29 22 42 35 51 13 23 14 11 5 3 6 5 0 4 18 5 5 14 5 310

29 9.35 9.35 51 7.10 16.45 93 13.55 30.00 128 11.29 41.29 179 16.45 57.74 192 4.19 61.94 215 7.42 69.35 229 4.52 73.87 240 3.55 77.42 245 1.61 79.03 248 0.97 80.00 254 1.94 81.94 259 1.61 83.55 259 0.00 83.55 263 1.29 84.84 281 5.81 90.65 286 1.61 92.26 291 1.61 93.87 305 4.52 98.39 310 1.61 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,505.94 1,547.43 3,716.29 5,096.45 7,917.80 4,110.90 12,364.55 6,108.24 9,155.42 2,481.88 3,600.00 6,397.75 2,758.04 0.00 3,966.77 710.25 24,409.21 1,748.81 11,514.57 485.55 110,595.83

2,505.94 2.27 4,053.37 1.40 7,769.65 3.36 12,866.10 4.61 20,783.90 7.16 24,894.80 3.72 37,259.35 11.18 43,367.59 5.52 52,523.00 8.28 55,004.89 2.24 58,604.89 3.26 65,002.64 5.78 67,760.68 2.49 67,760.68 0.00 71,727.45 3.59 72,437.70 0.64 96,846.90 22.07 98,595.71 1.58 110,110.28 10.41 110,595.83 0.44

2.27 3.67 7.03 11.63 18.79 22.51 33.69 39.21 47.49 49.74 52.99 58.77 61.27 61.27 64.86 65.50 87.57 89.15 99.56 100.00

6.13 6.17 6.17 8.27 7.49 5.22 16.12 8.15 17.89 7.26 11.50 16.52 9.48 0.00 14.48 1.31 55.84 9.82 65.94 0.58

6.13 6.15 6.16 6.85 7.08 6.69 8.30 8.28 9.13 9.03 9.15 9.57 9.56 9.02 9.22 8.70 11.05 11.03 12.08 11.11

11.11

Page 155 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: I.A.R

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

104,948

01/01/2009

15/12/2009

DATE

15/03/2010

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 12,449 5,892 8,614 7,190 11,435 8,695 8,528 8,269 5,538 3,397 2,766 3,535 2,341 3,184 2,136 3,798 3,186 1,610 1,871 514

12,449 11.86 18,341 5.61 26,955 8.21 34,145 6.85 45,580 10.90 54,275 8.29 62,803 8.13 71,072 7.88 76,610 5.28 80,007 3.24 82,773 2.64 86,308 3.37 88,649 2.23 91,833 3.03 93,969 2.04 97,767 3.62 100,953 3.04 102,563 1.53 104,434 1.78 104,948 0.49

11.86 17.48 25.68 32.54 43.43 51.72 59.84 67.72 73.00 76.23 78.87 82.24 84.47 87.50 89.54 93.16 96.19 97.73 99.51 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 17,642.22 1,071.98 2,507.15 3,340.04 8,186.82 8,122.20 12,355.80 15,206.26 14,290.71 11,052.39 11,776.28 15,447.54 13,144.90 21,632.95 18,508.53 41,562.20 48,803.13 22,185.36 36,766.20 58,823.79 382,426.4

17,642.22 4.61 4.61 18,714.20 0.28 4.89 21,221.35 0.66 5.55 24,561.39 0.87 6.42 32,748.21 2.14 8.56 40,870.41 2.12 10.69 53,226.21 3.23 13.92 68,432.47 3.98 17.89 82,723.18 3.74 21.63 93,775.57 2.89 24.52 105,551.85 3.08 27.60 120,999.39 4.04 31.64 134,144.29 3.44 35.08 155,777.24 5.66 40.73 174,285.77 4.84 45.57 215,847.98 10.87 56.44 264,651.11 12.76 69.20 286,836.47 5.80 75.00 323,602.67 9.61 84.62 382,426.46 15.38 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 20 0 3 10 6 5 13 16 3 6 7 14 3 10 25 12 29 13 23 49 267

20 7.49 7.49 20 0.00 7.49 23 1.12 8.61 33 3.75 12.36 39 2.25 14.61 44 1.87 16.48 57 4.87 21.35 73 5.99 27.34 76 1.12 28.46 82 2.25 30.71 89 2.62 33.33 103 5.24 38.58 106 1.12 39.70 116 3.75 43.45 141 9.36 52.81 153 4.49 57.30 182 10.86 68.16 195 4.87 73.03 218 8.61 81.65 267 18.35 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 17,022.93 0.00 25.77 92.30 103.03 173.02 556.30 567.22 24.86 706.41 588.96 603.59 92.16 4,980.41 885.81 44,570.83 29,685.41 10,092.77 88,438.32 55,829.06 255,039.14

17,022.93 17,022.93 17,048.70 17,141.00 17,244.02 17,417.04 17,973.34 18,540.56 18,565.41 19,271.82 19,860.78 20,464.37 20,556.53 25,536.94 26,422.75 70,993.58 100,678.9 110,771.7 199,210.0 255,039.1

6.67 0.00 0.01 0.04 0.04 0.07 0.22 0.22 0.01 0.28 0.23 0.24 0.04 1.95 0.35 17.48 11.64 3.96 34.68 21.89

6.67 96.49 6.67 0.00 6.68 1.03 6.72 2.76 6.76 1.26 6.83 2.13 7.05 4.50 7.27 3.73 7.28 0.17 7.56 6.39 7.79 5.00 8.02 3.91 8.06 0.70 10.01 23.02 10.36 4.79 27.84 107.24 39.48 60.83 43.43 45.49 78.11 240.54 100.00 94.91

96.49 90.96 80.34 69.79 52.66 42.62 33.77 27.09 22.44 20.55 18.82 16.91 15.32 16.39 15.16 32.89 38.04 38.62 61.56 66.69

66.69

Page 156 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: L.O.P

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

153

01/01/2009

15/12/2009

DATE

15/03/2010

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 0 5 1 1 15 13 2 17 10 6 1 1 11 7 5 18 13 9 8 10

0 0.00 5 3.27 6 0.65 7 0.65 22 9.80 35 8.50 37 1.31 54 11.11 64 6.54 70 3.92 71 0.65 72 0.65 83 7.19 90 4.58 95 3.27 113 11.76 126 8.50 135 5.88 143 5.23 153 6.54

0.00 3.27 3.92 4.58 14.38 22.88 24.18 35.29 41.83 45.75 46.41 47.06 54.25 58.82 62.09 73.86 82.35 88.24 93.46 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 3.27 0.32 0.00 6.63 4.00 2.32 23.71 8.40 12.64 1.18 3.01 27.83 25.47 41.86 29.55 94.18 -126.46 21.25 8.38 187.53

0.00 3.27 3.59 3.59 10.22 14.23 16.54 40.25 48.65 61.29 62.47 65.48 93.30 118.77 160.63 190.18 284.36 157.90 179.15 187.53

0.00 0.00 1.74 1.74 0.17 1.91 0.00 1.91 3.54 5.45 2.13 7.59 1.23 8.82 12.64 21.46 4.48 25.94 6.74 32.68 0.63 33.31 1.60 34.91 14.84 49.75 13.58 63.33 22.32 85.65 15.76 101.41 50.22 151.63 -67.4 84.20 11.33 95.53 4.47 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 157 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: Earthquake

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

7,373 3,538 5,549 4,165 5,796 4,230 3,948 3,870 2,560 1,692 1,486 1,971 1,513 2,008 1,530 2,759 2,570 1,237 1,610 518 59,923

7,373 12.30 10,911 5.90 16,460 9.26 20,625 6.95 26,421 9.67 30,651 7.06 34,599 6.59 38,469 6.46 41,029 4.27 42,721 2.82 44,207 2.48 46,178 3.29 47,691 2.52 49,699 3.35 51,229 2.55 53,988 4.60 56,558 4.29 57,795 2.06 59,405 2.69 59,923 0.86

12.30 18.21 27.47 34.42 44.09 51.15 57.74 64.20 68.47 71.29 73.77 77.06 79.59 82.94 85.49 90.10 94.38 96.45 99.14 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 13,018.47 750.39 1,417.25 1,625.02 3,102.42 3,339.95 4,127.74 5,451.85 4,758.63 3,759.18 4,162.86 6,095.90 5,295.83 9,350.76 8,917.46 24,326.96 33,392.95 18,620.76 36,563.59 16,539.47 204,617.4

13,018.47 6.36 6.36 13,768.86 0.37 6.73 15,186.11 0.69 7.42 16,811.12 0.79 8.22 19,913.54 1.52 9.73 23,253.49 1.63 11.36 27,381.23 2.02 13.38 32,833.08 2.66 16.05 37,591.71 2.33 18.37 41,350.89 1.84 20.21 45,513.75 2.03 22.24 51,609.65 2.98 25.22 56,905.48 2.59 27.81 66,256.23 4.57 32.38 75,173.70 4.36 36.74 99,500.66 11.89 48.63 132,893.61 16.32 64.95 151,514.37 9.10 74.05 188,077.97 17.87 91.92 204,617.44 8.08 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 8 2 6 5 4 3 1 1 3 0 0 1 0 0 1 0 2 0 1 0 38

8 10 16 21 25 28 29 30 33 33 33 34 34 34 35 35 37 37 38 38

21.05 21.05 5.26 26.32 15.79 42.11 13.16 55.26 10.53 65.79 7.89 73.68 2.63 76.32 2.63 78.95 7.89 86.84 0.00 86.84 0.00 86.84 2.63 89.47 0.00 89.47 0.00 89.47 2.63 92.11 0.00 92.11 5.26 97.37 0.00 97.37 2.63 100.00 0.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 1,945.95 66.11 848.43 662.41 1,227.98 1,689.05 0.00 0.00 1,924.80 0.00 0.00 3,975.20 0.00 0.00 1,752.27 0.00 39,347.42 0.00 0.00 0.00 53,439.62

1,945.95 3.64 2,012.06 0.12 2,860.49 1.59 3,522.89 1.24 4,750.88 2.30 6,439.92 3.16 6,439.92 0.00 6,439.92 0.00 8,364.73 3.60 8,364.73 0.00 8,364.73 0.00 12,339.93 7.44 12,339.93 0.00 12,339.93 0.00 14,092.20 3.28 14,092.20 0.00 53,439.62 73.63 53,439.62 0.00 53,439.62 0.00 53,439.62 0.00

3.64 14.95 3.77 8.81 5.35 59.86 6.59 40.76 8.89 39.58 12.05 50.57 12.05 0.00 12.05 0.00 15.65 40.45 15.65 0.00 15.65 0.00 23.09 65.21 23.09 0.00 23.09 0.00 26.37 19.65 26.37 0.00 100.00 117.83 100.00 0.00 100.00 0.00 100.00 0.00

14.95 14.61 18.84 20.96 23.86 27.69 23.52 19.61 22.25 20.23 18.38 23.91 21.68 18.62 18.75 14.16 40.21 35.27 28.41 26.12

26.12

Page 158 of 204

RISK AND LOSS PROFILE 2009 GROUP BY OCCUPATION CODE

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

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 20

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2009

DATE

15/03/2010

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

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 113 28 53 34 69 36 34 51 42 43 35 57 33 59 47 63 108 93 96 54 1,148

113 141 194 228 297 333 367 418 460 503 538 595 628 687 734 797 905 998 1,094 1,148

9.84 2.44 4.62 2.96 6.01 3.14 2.96 4.44 3.66 3.75 3.05 4.97 2.87 5.14 4.09 5.49 9.41 8.10 8.36 4.70

9.84 12.28 16.90 19.86 25.87 29.01 31.97 36.41 40.07 43.82 46.86 51.83 54.70 59.84 63.94 69.43 78.83 86.93 95.30 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 922.11 4.33 12.87 13.98 40.90 43.08 57.03 98.23 122.95 112.23 102.06 513.41 204.47 339.86 419.55 686.73 1,220.24 1,496.92 1,038.65 3,088.57 10,538.18

922.11 8.75 8.75 926.44 0.04 8.79 939.30 0.12 8.91 953.28 0.13 9.05 994.18 0.39 9.43 1,037.26 0.41 9.84 1,094.30 0.54 10.38 1,192.53 0.93 11.32 1,315.48 1.17 12.48 1,427.71 1.06 13.55 1,529.77 0.97 14.52 2,043.18 4.87 19.39 2,247.66 1.94 21.33 2,587.51 3.23 24.55 3,007.06 3.98 28.53 3,693.80 6.52 35.05 4,914.04 11.58 46.63 6,410.96 14.20 60.84 7,449.61 9.86 70.69 10,538.18 29.31 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 0 8 10

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 2 20.00 20.00 2 0.00 20.00 10 80.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 0.00 334.47 0.00 5,728.27 6,062.73

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 334.47 5.52 334.47 0.00 6,062.73 94.48

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.52 22.34 5.52 0.00 100.00 185.47

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.22 4.49 57.53

57.53

Page 159 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2009

DATE

15/03/2010

Stone,Earth,(Animal) Bons or Shells

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 445 96 95 82 117 65 100 80 99 47 56 51 52 77 51 106 128 66 130 27 1,970

445 22.59 541 4.87 636 4.82 718 4.16 835 5.94 900 3.30 1,000 5.08 1,080 4.06 1,179 5.03 1,226 2.39 1,282 2.84 1,333 2.59 1,385 2.64 1,462 3.91 1,513 2.59 1,619 5.38 1,747 6.50 1,813 3.35 1,943 6.60 1,970 1.37

22.59 27.46 32.28 36.45 42.39 45.69 50.76 54.82 59.85 62.23 65.08 67.66 70.30 74.21 76.80 82.18 88.68 92.03 98.63 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 392.78 21.58 35.05 40.80 136.45 62.07 141.01 188.82 284.01 165.92 345.16 263.92 299.86 395.76 510.16 1,108.69 1,584.53 705.77 1,424.45 4,070.95 12,177.74

392.78 414.37 449.41 490.21 626.67 688.73 829.74 1,018.56 1,302.58 1,468.50 1,813.65 2,077.57 2,377.44 2,773.19 3,283.35 4,392.04 5,976.57 6,682.34 8,106.79 12,177.74

3.23 0.18 0.29 0.34 1.12 0.51 1.16 1.55 2.33 1.36 2.83 2.17 2.46 3.25 4.19 9.10 13.01 5.80 11.70 33.43

3.23 3.40 3.69 4.03 5.15 5.66 6.81 8.36 10.70 12.06 14.89 17.06 19.52 22.77 26.96 36.07 49.08 54.87 66.57 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 2

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 50.00 50.00 2 50.00 100.00 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

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 550.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 550.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 550.00 100.0 550.00 0.00 550.00 0.00 550.00 0.00 550.00 0.00 550.00 0.00 550.00 0.00 550.00 0.00 550.00 0.00 550.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 100.00 159.35 100.00 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 0.00 100.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 30.33 26.47 23.13 19.83 16.75 12.52 9.20 8.23 6.78 4.52

4.52

Page 160 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2009

DATE

15/03/2010

Metals

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 945 241 415 405 559 430 441 535 405 303 233 407 294 507 320 575 594 290 467 218 8,584

945 11.01 1,186 2.81 1,601 4.83 2,006 4.72 2,565 6.51 2,995 5.01 3,436 5.14 3,971 6.23 4,376 4.72 4,679 3.53 4,912 2.71 5,319 4.74 5,613 3.42 6,120 5.91 6,440 3.73 7,015 6.70 7,609 6.92 7,899 3.38 8,366 5.44 8,584 2.54

11.01 13.82 18.65 23.37 29.88 34.89 40.03 46.26 50.98 54.51 57.22 61.96 65.39 71.30 75.02 81.72 88.64 92.02 97.46 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,196.08 98.08 135.92 171.38 382.73 397.06 624.38 999.41 939.11 793.69 773.56 1,499.94 1,738.80 3,236.88 2,553.52 6,698.09 9,065.45 3,422.22 8,891.51 37,176.97 82,794.78

3,196.08 3.86 3.86 3,294.16 0.12 3.98 3,430.08 0.16 4.14 3,601.46 0.21 4.35 3,984.19 0.46 4.81 4,381.25 0.48 5.29 5,005.63 0.75 6.05 6,005.04 1.21 7.25 6,944.15 1.13 8.39 7,737.84 0.96 9.35 8,511.40 0.93 10.28 10,011.33 1.81 12.09 11,750.13 2.10 14.19 14,987.01 3.91 18.10 17,540.53 3.08 21.19 24,238.62 8.09 29.28 33,304.07 10.95 40.22 36,726.29 4.13 44.36 45,617.80 10.74 55.10 82,794.78 44.90 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 3 0 0 0 0 1 0 4 0 0 0 3 2 1 1 0 3 3 4 2 27

3 3 3 3 3 4 4 8 8 8 8 11 13 14 15 15 18 21 25 27

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM

11.11 11.11 16,297.43 0.00 11.11 0.00 0.00 11.11 0.00 0.00 11.11 0.00 0.00 11.11 0.00 3.70 14.81 1.32 0.00 14.81 0.00 14.81 29.63 249.62 0.00 29.63 0.00 0.00 29.63 0.00 0.00 29.63 0.00 11.11 40.74 128.25 7.41 48.15 64.99 3.70 51.85 0.78 3.70 55.56 225.00 0.00 55.56 0.00 11.11 66.67 1,394.16 11.11 77.78 29.50 14.81 92.59 164.14 7.41 100.00 4,136.94 22,692.12

16,297.43 71.82 16,297.43 0.00 16,297.43 0.00 16,297.43 0.00 16,297.43 0.00 16,298.75 0.01 16,298.75 0.00 16,548.37 1.10 16,548.37 0.00 16,548.37 0.00 16,548.37 0.00 16,676.62 0.57 16,741.61 0.29 16,742.39 0.00 16,967.39 0.99 16,967.39 0.00 18,361.55 6.14 18,391.04 0.13 18,555.18 0.72 22,692.12 18.23

71.82 509.92 71.82 0.00 71.82 0.00 71.82 0.00 71.82 0.00 71.83 0.33 71.83 0.00 72.93 24.98 72.93 0.00 72.93 0.00 72.93 0.00 73.49 8.55 73.78 3.74 73.78 0.02 74.77 8.81 74.77 0.00 80.92 15.38 81.05 0.86 81.77 1.85 100.00 11.13

509.92 494.74 475.13 452.52 409.05 372.01 325.61 275.57 238.31 213.86 194.43 166.58 142.48 111.71 96.73 70.00 55.13 50.08 40.68 27.41

27.41

Page 161 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2009

DATE

15/03/2010

Chemical / Oils / Gas

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 865 124 284 295 563 524 575 673 551 371 363 529 435 684 424 847 790 440 520 243 10,100

865 989 1,273 1,568 2,131 2,655 3,230 3,903 4,454 4,825 5,188 5,717 6,152 6,836 7,260 8,107 8,897 9,337 9,857 10,100

8.56 1.23 2.81 2.92 5.57 5.19 5.69 6.66 5.46 3.67 3.59 5.24 4.31 6.77 4.20 8.39 7.82 4.36 5.15 2.41

8.56 9.79 12.60 15.52 21.10 26.29 31.98 38.64 44.10 47.77 51.37 56.60 60.91 67.68 71.88 80.27 88.09 92.45 97.59 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5,027.95 61.50 148.24 419.02 801.14 935.19 1,315.51 1,876.11 2,131.68 1,542.04 1,941.14 3,061.66 3,212.13 6,179.24 4,696.37 11,695.65 13,518.45 6,201.46 12,229.38 20,081.44 97,075.33

5,027.95 5,089.45 5,237.69 5,656.71 6,457.85 7,393.04 8,708.55 10,584.67 12,716.34 14,258.39 16,199.53 19,261.19 22,473.32 28,652.57 33,348.94 45,044.59 58,563.04 64,764.51 76,993.89 97,075.33

5.18 5.18 0.06 5.24 0.15 5.40 0.43 5.83 0.83 6.65 0.96 7.62 1.36 8.97 1.93 10.90 2.20 13.10 1.59 14.69 2.00 16.69 3.15 19.84 3.31 23.15 6.37 29.52 4.84 34.35 12.05 46.40 13.93 60.33 6.39 66.72 12.60 79.31 20.69 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 2 0 1 0 1 1 0 1 0 1 2 1 2 3 1 8 1 25

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 2 8.00 8.00 2 0.00 8.00 3 4.00 12.00 3 0.00 12.00 4 4.00 16.00 5 4.00 20.00 5 0.00 20.00 6 4.00 24.00 6 0.00 24.00 7 4.00 28.00 9 8.00 36.00 10 4.00 40.00 12 8.00 48.00 15 12.00 60.00 16 4.00 64.00 24 32.00 96.00 25 4.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 591.47 0.00 722.64 0.00 13.51 1,370.27 0.00 500.00 0.00 41.99 99.57 3,095.77 150.00 269.61 59.55 8,280.80 470.94 15,666.12

0.00 0.00 0.00 0.00 0.00 0.00 591.47 3.78 591.47 0.00 1,314.10 4.61 1,314.10 0.00 1,327.62 0.09 2,697.89 8.75 2,697.89 0.00 3,197.89 3.19 3,197.89 0.00 3,239.88 0.27 3,339.45 0.64 6,435.22 19.76 6,585.22 0.96 6,854.83 1.72 6,914.38 0.38 15,195.18 52.86 15,666.12 3.01

0.00 0.00 0.00 0.00 0.00 0.00 3.78 141.15 3.78 0.00 8.39 77.27 8.39 0.00 8.47 0.72 17.22 64.28 17.22 0.00 20.41 25.76 20.41 0.00 20.68 1.31 21.32 1.61 41.08 65.92 42.03 1.28 43.76 1.99 44.14 0.96 96.99 67.71 100.00 2.35

0.00 0.00 0.00 10.46 9.16 17.77 15.09 12.54 21.22 18.92 19.74 16.60 14.42 11.65 19.30 14.62 11.71 10.68 19.74 16.14

16.14

Page 162 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 24

DATA POSITION FROM

01/01/2009

15/12/2009

DATE

15/03/2010

PROCESSING

Textiles

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,261 694 1,465 1,098 1,612 1,067 841 854 607 390 313 392 254 491 284 552 555 292 487 147 13,656

1,261 9.23 1,955 5.08 3,420 10.73 4,518 8.04 6,130 11.80 7,197 7.81 8,038 6.16 8,892 6.25 9,499 4.44 9,889 2.86 10,202 2.29 10,594 2.87 10,848 1.86 11,339 3.60 11,623 2.08 12,175 4.04 12,730 4.06 13,022 2.14 13,509 3.57 13,656 1.08

9.23 14.32 25.04 33.08 44.89 52.70 58.86 65.11 69.56 72.42 74.71 77.58 79.44 83.03 85.11 89.15 93.22 95.36 98.92 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,243.69 232.54 814.89 999.20 2,185.65 1,936.16 2,059.94 2,782.05 2,289.82 1,601.71 1,541.82 2,523.38 1,654.40 3,770.87 2,772.58 7,541.30 9,571.57 4,806.54 8,541.70 3,491.05 64,360.86

3,243.69 5.04 5.04 3,476.23 0.36 5.40 4,291.12 1.27 6.67 5,290.32 1.55 8.22 7,475.98 3.40 11.62 9,412.13 3.01 14.62 11,472.07 3.20 17.82 14,254.13 4.32 22.15 16,543.94 3.56 25.70 18,145.65 2.49 28.19 19,687.47 2.40 30.59 22,210.85 3.92 34.51 23,865.26 2.57 37.08 27,636.12 5.86 42.94 30,408.70 4.31 47.25 37,950.00 11.72 58.96 47,521.57 14.87 73.84 52,328.11 7.47 81.30 60,869.81 13.27 94.58 64,360.86 5.42 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 0 0 0 1 0 0 0 0 0 0 2 1 0 0 2 3 0 7 0 20

4 4 4 4 5 5 5 5 5 5 5 7 8 8 8 10 13 13 20 20

20.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 5.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 10.00 35.00 5.00 40.00 0.00 40.00 0.00 40.00 10.00 50.00 15.00 65.00 0.00 65.00 35.00 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 114.38 0.00 0.00 0.00 4.60 0.00 0.00 0.00 0.00 0.00 0.00 36.53 27.18 0.00 0.00 50.00 185.53 0.00 2,542.81 0.00 2,961.02

114.38 3.86 114.38 0.00 114.38 0.00 114.38 0.00 118.98 0.16 118.98 0.00 118.98 0.00 118.98 0.00 118.98 0.00 118.98 0.00 118.98 0.00 155.51 1.23 182.68 0.92 182.68 0.00 182.68 0.00 232.68 1.69 418.21 6.27 418.21 0.00 2,961.02 85.88 2,961.02 0.00

3.86 3.86 3.86 3.86 4.02 4.02 4.02 4.02 4.02 4.02 4.02 5.25 6.17 6.17 6.17 7.86 14.12 14.12 100.00 100.00

3.53 0.00 0.00 0.00 0.21 0.00 0.00 0.00 0.00 0.00 0.00 1.45 1.64 0.00 0.00 0.66 1.94 0.00 29.77 0.00

3.53 3.29 2.67 2.16 1.59 1.26 1.04 0.83 0.72 0.66 0.60 0.70 0.77 0.66 0.60 0.61 0.88 0.80 4.86 4.60

4.60

Page 163 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 25

DATA POSITION FROM

01/01/2009

15/12/2009

DATE

15/03/2010

PROCESSING

Paper, Leather, Rubber

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 853 396 737 625 910 670 561 676 493 323 319 329 244 396 267 521 466 251 294 105 9,436

853 1,249 1,986 2,611 3,521 4,191 4,752 5,428 5,921 6,244 6,563 6,892 7,136 7,532 7,799 8,320 8,786 9,037 9,331 9,436

9.04 4.20 7.81 6.62 9.64 7.10 5.95 7.16 5.22 3.42 3.38 3.49 2.59 4.20 2.83 5.52 4.94 2.66 3.12 1.11

9.04 13.24 21.05 27.67 37.31 44.42 50.36 57.52 62.75 66.17 69.55 73.04 75.63 79.82 82.65 88.17 93.11 95.77 98.89 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,918.50 238.94 467.24 560.75 1,279.83 1,289.79 1,492.87 2,326.06 2,283.03 1,956.75 1,956.76 2,414.21 1,894.43 3,573.15 3,370.76 8,385.51 10,265.56 4,182.97 7,090.71 21,605.32 80,553.14

3,918.50 4.86 4.86 4,157.44 0.30 5.16 4,624.68 0.58 5.74 5,185.43 0.70 6.44 6,465.26 1.59 8.03 7,755.06 1.60 9.63 9,247.93 1.85 11.48 11,573.99 2.89 14.37 13,857.02 2.83 17.20 15,813.78 2.43 19.63 17,770.54 2.43 22.06 20,184.75 3.00 25.06 22,079.18 2.35 27.41 25,652.33 4.44 31.85 29,023.08 4.18 36.03 37,408.59 10.41 46.44 47,674.15 12.74 59.18 51,857.12 5.19 64.38 58,947.83 8.80 73.18 80,553.14 26.82 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 0 0 0 0 0 0 0 0 0 2 0 0 1 4 1 2 0 12

2 2 2 2 2 2 2 2 2 2 2 2 4 4 4 5 9 10 12 12

16.67 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 16.67 33.33 0.00 33.33 0.00 33.33 8.33 41.67 33.33 75.00 8.33 83.33 16.67 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 193.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,573.67 0.00 0.00 15.20 104.86 1,292.51 2,289.17 0.00 6,468.53

193.13 2.99 193.13 0.00 193.13 0.00 193.13 0.00 193.13 0.00 193.13 0.00 193.13 0.00 193.13 0.00 193.13 0.00 193.13 0.00 193.13 0.00 193.13 0.00 2,766.79 39.79 2,766.79 0.00 2,766.79 0.00 2,781.99 0.23 2,886.85 1.62 4,179.36 19.98 6,468.53 35.39 6,468.53 0.00

2.99 4.93 2.99 0.00 2.99 0.00 2.99 0.00 2.99 0.00 2.99 0.00 2.99 0.00 2.99 0.00 2.99 0.00 2.99 0.00 2.99 0.00 2.99 0.00 42.77 135.85 42.77 0.00 42.77 0.00 43.01 0.18 44.63 1.02 64.61 30.90 100.00 32.28 100.00 0.00

4.93 4.65 4.18 3.72 2.99 2.49 2.09 1.67 1.39 1.22 1.09 0.96 12.53 10.79 9.53 7.44 6.06 8.06 10.97 8.03

8.03

Page 164 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 26

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2009

DATE

15/03/2010

Wood, Bamboo and Rattan

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 725 514 604 433 529 423 352 397 295 226 152 256 166 289 223 415 470 170 248 22 6,909

725 10.49 1,239 7.44 1,843 8.74 2,276 6.27 2,805 7.66 3,228 6.12 3,580 5.09 3,977 5.75 4,272 4.27 4,498 3.27 4,650 2.20 4,906 3.71 5,072 2.40 5,361 4.18 5,584 3.23 5,999 6.01 6,469 6.80 6,639 2.46 6,887 3.59 6,909 0.32

10.49 17.93 26.68 32.94 40.60 46.72 51.82 57.56 61.83 65.10 67.30 71.01 73.41 77.59 80.82 86.83 93.63 96.09 99.68 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,539.30 364.02 739.23 759.58 1,387.36 1,315.13 1,573.96 2,394.97 2,099.24 1,755.45 1,636.31 2,706.99 2,437.52 4,594.12 4,080.91 9,470.57 12,113.88 3,928.01 5,358.90 404.91 62,660.35

3,539.30 5.65 5.65 3,903.32 0.58 6.23 4,642.54 1.18 7.41 5,402.12 1.21 8.62 6,789.48 2.21 10.84 8,104.61 2.10 12.93 9,678.57 2.51 15.45 12,073.53 3.82 19.27 14,172.78 3.35 22.62 15,928.23 2.80 25.42 17,564.54 2.61 28.03 20,271.52 4.32 32.35 22,709.05 3.89 36.24 27,303.17 7.33 43.57 31,384.08 6.51 50.09 40,854.65 15.11 65.20 52,968.53 19.33 84.53 56,896.53 6.27 90.80 62,255.43 8.55 99.35 62,660.35 0.65 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 3 1 1 0 1 0 0 0 0 1 0 1 0 0 1 3 2 2 1 0 17

3 4 5 5 6 6 6 6 6 7 7 8 8 8 9 12 14 16 17 17

17.65 17.65 5.88 23.53 5.88 29.41 0.00 29.41 5.88 35.29 0.00 35.29 0.00 35.29 0.00 35.29 0.00 35.29 5.88 41.18 0.00 41.18 5.88 47.06 0.00 47.06 0.00 47.06 5.88 52.94 17.65 70.59 11.76 82.35 11.76 94.12 5.88 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 174.75 15.00 51.02 0.00 53.99 0.00 0.00 0.00 0.00 259.20 0.00 210.44 0.00 0.00 600.00 3,924.76 3,900.00 122.00 8.69 0.00 9,319.85

174.75 1.88 189.75 0.16 240.77 0.55 240.77 0.00 294.76 0.58 294.76 0.00 294.76 0.00 294.76 0.00 294.76 0.00 553.96 2.78 553.96 0.00 764.40 2.26 764.40 0.00 764.40 0.00 1,364.40 6.44 5,289.16 42.11 9,189.16 41.85 9,311.16 1.31 9,319.85 0.09 9,319.85 0.00

1.88 2.04 2.58 2.58 3.16 3.16 3.16 3.16 3.16 5.94 5.94 8.20 8.20 8.20 14.64 56.75 98.60 99.91 100.00 100.00

4.94 4.12 6.90 0.00 3.89 0.00 0.00 0.00 0.00 14.77 0.00 7.77 0.00 0.00 14.70 41.44 32.19 3.11 0.16 0.00

4.94 4.86 5.19 4.46 4.34 3.64 3.05 2.44 2.08 3.48 3.15 3.77 3.37 2.80 4.35 12.95 17.35 16.37 14.97 14.87

14.87

Page 165 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 27

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2009

DATE

15/03/2010

Wood, Bamboo and Rattan

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

6,286 2,332 2,176 1,497 1,717 1,125 846 975 650 470 385 611 390 699 486 1,134 1,008 560 570 179 24,096

6,286 26.09 8,618 9.68 10,794 9.03 12,291 6.21 14,008 7.13 15,133 4.67 15,979 3.51 16,954 4.05 17,604 2.70 18,074 1.95 18,459 1.60 19,070 2.54 19,460 1.62 20,159 2.90 20,645 2.02 21,779 4.71 22,787 4.18 23,347 2.32 23,917 2.37 24,096 0.74

26.09 35.77 44.80 51.01 58.13 62.80 66.31 70.36 73.06 75.01 76.61 79.14 80.76 83.66 85.68 90.38 94.57 96.89 99.26 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,781.18 465.02 801.89 847.45 1,369.33 1,283.91 1,397.99 2,071.18 1,915.55 1,388.82 1,493.17 3,053.16 2,178.76 4,530.91 3,853.34 12,210.05 12,085.53 6,052.38 4,639.97 1,778.05 67,197.64

3,781.18 5.63 5.63 4,246.19 0.69 6.32 5,048.09 1.19 7.51 5,895.53 1.26 8.77 7,264.86 2.04 10.81 8,548.77 1.91 12.72 9,946.76 2.08 14.80 12,017.94 3.08 17.88 13,933.49 2.85 20.74 15,322.31 2.07 22.80 16,815.49 2.22 25.02 19,868.65 4.54 29.57 22,047.41 3.24 32.81 26,578.32 6.74 39.55 30,431.66 5.73 45.29 42,641.71 18.17 63.46 54,727.24 17.99 81.44 60,779.62 9.01 90.45 65,419.59 6.90 97.35 67,197.64 2.65 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 5 0 0 0 1 0 0 2 0 0 0 2 1 2 2 18 0 3 4 3 43

5 11.63 11.63 5 0.00 11.63 5 0.00 11.63 5 0.00 11.63 6 2.33 13.95 6 0.00 13.95 6 0.00 13.95 8 4.65 18.60 8 0.00 18.60 8 0.00 18.60 8 0.00 18.60 10 4.65 23.26 11 2.33 25.58 13 4.65 30.23 15 4.65 34.88 33 41.86 76.74 33 0.00 76.74 36 6.98 83.72 40 9.30 93.02 43 6.98 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 1,541.50 0.00 0.00 0.00 253.60 0.00 0.00 1,460.75 0.00 0.00 0.00 56.18 22.64 573.31 38.81 41,115.50 0.00 949.68 1,319.88 75.60 47,407.45

1,541.50 3.25 1,541.50 0.00 1,541.50 0.00 1,541.50 0.00 1,795.10 0.53 1,795.10 0.00 1,795.10 0.00 3,255.84 3.08 3,255.84 0.00 3,255.84 0.00 3,255.84 0.00 3,312.02 0.12 3,334.67 0.05 3,907.98 1.21 3,946.78 0.08 45,062.28 86.73 45,062.28 0.00 46,011.96 2.00 47,331.85 2.78 47,407.45 0.16

3.25 40.77 40.77 3.25 0.00 36.30 3.25 0.00 30.54 3.25 0.00 26.15 3.79 18.52 24.71 3.79 0.00 21.00 3.79 0.00 18.05 6.87 70.53 27.09 6.87 0.00 23.37 6.87 0.00 21.25 6.87 0.00 19.36 6.99 1.84 16.67 7.03 1.04 15.12 8.24 12.65 14.70 8.33 1.01 12.97 95.05 336.73 105.68 95.05 0.00 82.34 97.06 15.69 75.70 99.84 28.45 72.35 100.00 4.25 70.55 70.55

Page 166 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 28

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2009

DATE

15/03/2010

Power and Heating

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 28 5 6 7 9 33 97 56 11 11 7 16 5 20 19 30 47 27 56 182 672

28 4.17 33 0.74 39 0.89 46 1.04 55 1.34 88 4.91 185 14.43 241 8.33 252 1.64 263 1.64 270 1.04 286 2.38 291 0.74 311 2.98 330 2.83 360 4.46 407 6.99 434 4.02 490 8.33 672 27.08

4.17 4.91 5.80 6.85 8.18 13.10 27.53 35.86 37.50 39.14 40.18 42.56 43.30 46.28 49.11 53.57 60.57 64.58 72.92 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 216.53 0.59 2.57 3.30 6.63 19.85 77.57 60.74 16.63 17.06 11.63 59.11 18.19 125.07 191.29 429.61 835.84 444.27 1,664.11 2,603.74 6,804.32

216.53 3.18 3.18 217.12 0.01 3.19 219.69 0.04 3.23 222.99 0.05 3.28 229.62 0.10 3.37 249.47 0.29 3.67 327.04 1.14 4.81 387.78 0.89 5.70 404.41 0.24 5.94 421.47 0.25 6.19 433.10 0.17 6.37 492.21 0.87 7.23 510.40 0.27 7.50 635.46 1.84 9.34 826.75 2.81 12.15 1,256.36 6.31 18.46 2,092.19 12.28 30.75 2,536.47 6.53 37.28 4,200.58 24.46 61.73 6,804.32 38.27 100.00

CLAIM FREQUENCY CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 167 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 29

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2009

DATE

15/03/2010

Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotel, Entertainment, Sport and Services The Caring Services,

BAND

SUM INSURED Mid Points (In Million) From To

Motor Vehicle Repair Shop, Private Building, Propierty of Public Bodies NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 117,745 120,709 167,589 108,941 122,875 64,072 46,583 35,354 19,000 10,174 7,900 8,945 5,650 6,274 3,743 5,550 3,835 1,526 1,692 413 858,570

117,745 238,454 406,043 514,984 637,859 701,931 748,514 783,868 802,868 813,042 820,942 829,887 835,537 841,811 845,554 851,104 854,939 856,465 858,157 858,570

13.71 14.06 19.52 12.69 14.31 7.46 5.43 4.12 2.21 1.18 0.92 1.04 0.66 0.73 0.44 0.65 0.45 0.18 0.20 0.05

13.71 27.77 47.29 59.98 74.29 81.76 87.18 91.30 93.51 94.70 95.62 96.66 97.32 98.05 98.48 99.13 99.58 99.75 99.95 100.0

46,692.77 25,204.30 60,799.42 62,719.80 109,137.55 82,693.99 84,305.77 82,537.93 57,882.02 38,913.81 37,186.08 43,583.40 33,407.60 45,472.58 31,712.44 58,949.42 50,747.82 24,966.09 36,461.33 64,983.79 1,078,357.92

46,692.77 4.33 4.33 71,897.07 2.34 6.67 132,696.49 5.64 12.31 195,416.29 5.82 18.12 304,553.84 10.12 28.24 387,247.82 7.67 35.91 471,553.60 7.82 43.73 554,091.53 7.65 51.38 611,973.55 5.37 56.75 650,887.36 3.61 60.36 688,073.44 3.45 63.81 731,656.84 4.04 67.85 765,064.45 3.10 70.95 810,537.03 4.22 75.16 842,249.47 2.94 78.10 901,198.89 5.47 83.57 951,946.70 4.71 88.28 976,912.79 2.32 90.59 1,013,374.12 3.38 93.97 1,078,357.92 6.03 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 40 23 50 48 58 19 37 24 16 6 8 12 1 5 25 4 20 3 12 39 450

40 8.89 8.89 63 5.11 14.00 113 11.11 25.11 161 10.67 35.78 219 12.89 48.67 238 4.22 52.89 275 8.22 61.11 299 5.33 66.44 315 3.56 70.00 321 1.33 71.33 329 1.78 73.11 341 2.67 75.78 342 0.22 76.00 347 1.11 77.11 372 5.56 82.67 376 0.89 83.56 396 4.44 88.00 399 0.67 88.67 411 2.67 91.33 450 8.67 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3,153.64 1,598.54 4,539.46 5,259.69 8,936.62 5,249.01 12,920.85 4,951.58 9,734.81 2,807.54 3,138.96 8,045.14 119.74 4,306.75 2,645.27 25.62 87,346.24 7,532.02 85,347.40 45,901.92 303,560.79

3,153.64 1.04 4,752.17 0.53 9,291.64 1.50 14,551.32 1.73 23,487.95 2.94 28,736.96 1.73 41,657.80 4.26 46,609.38 1.63 56,344.19 3.21 59,151.73 0.92 62,290.69 1.03 70,335.83 2.65 70,455.57 0.04 74,762.31 1.42 77,407.59 0.87 77,433.21 0.01 164,779.45 28.77 172,311.47 2.48 257,658.87 28.12 303,560.79 15.12

1.04 6.75 1.57 6.34 3.06 7.47 4.79 8.39 7.74 8.19 9.47 6.35 13.72 15.33 15.35 6.00 18.56 16.82 19.49 7.21 20.52 8.44 23.17 18.46 23.21 0.36 24.63 9.47 25.50 8.34 25.51 0.04 54.28 172.12 56.76 30.17 84.88 234.08 100.00 70.64

6.75 6.61 7.00 7.45 7.71 7.42 8.83 8.41 9.21 9.09 9.05 9.61 9.21 9.22 9.19 8.59 17.31 17.64 25.43 28.15

28.15

Page 168 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2009

DATE

15/03/2010

Estate Plantation Risk

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 41 20 27 18 31 46 33 28 29 31 11 41 16 22 14 36 10 1 2 1 458

41 8.95 61 4.37 88 5.90 106 3.93 137 6.77 183 10.04 216 7.21 244 6.11 273 6.33 304 6.77 315 2.40 356 8.95 372 3.49 394 4.80 408 3.06 444 7.86 454 2.18 455 0.22 457 0.44 458 0.22

8.95 13.32 19.21 23.14 29.91 39.96 47.16 53.28 59.61 66.38 68.78 77.73 81.22 86.03 89.08 96.94 99.13 99.34 99.78 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 19.59 12.01 31.36 43.95 179.42 111.45 58.02 88.80 121.89 135.82 66.59 239.68 107.68 177.09 51.94 312.12 500.77 130.26 333.22 0.00 2,721.66

19.59 0.72 0.72 31.60 0.44 1.16 62.97 1.15 2.31 106.91 1.61 3.93 286.33 6.59 10.52 397.78 4.09 14.62 455.80 2.13 16.75 544.59 3.26 20.01 666.49 4.48 24.49 802.31 4.99 29.48 868.89 2.45 31.93 1,108.57 8.81 40.73 1,216.25 3.96 44.69 1,393.34 6.51 51.19 1,445.28 1.91 53.10 1,757.41 11.47 64.57 2,258.18 18.40 82.97 2,388.43 4.79 87.76 2,721.66 12.24 100.00 2,721.66 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 1

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 1 100.0 100.00 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

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 2,500.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,500.00

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 0.00 0.00 0.00 0.00 0.00 0.00 2,500.00 100.0 2,500.00 0.00 2,500.00 0.00 2,500.00 0.00 2,500.00 0.00 2,500.00 0.00 2,500.00 0.00 2,500.00 0.00 2,500.00 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 100.00 1043.0 100.00 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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 225.52 205.55 179.42 172.98 142.26 110.71 104.67 91.86 91.86

91.86

Page 169 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2009

DATE

15/03/2010

Estate Plantation Risk

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 42 38 45 36 82 45 42 35 27 19 18 71 36 67 39 68 75 101 50 10 946

42 4.44 80 4.02 125 4.76 161 3.81 243 8.67 288 4.76 330 4.44 365 3.70 392 2.85 411 2.01 429 1.90 500 7.51 536 3.81 603 7.08 642 4.12 710 7.19 785 7.93 886 10.68 936 5.29 946 1.06

4.44 8.46 13.21 17.02 25.69 30.44 34.88 38.58 41.44 43.45 45.35 52.85 56.66 63.74 67.86 75.05 82.98 93.66 98.94 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 127.65 37.93 15.43 24.30 51.08 46.76 41.58 122.16 102.92 508.12 139.10 337.47 198.50 316.00 454.40 729.97 1,704.09 1,522.19 510.77 51.80 7,042.22

127.65 1.81 1.81 165.58 0.54 2.35 181.02 0.22 2.57 205.32 0.35 2.92 256.39 0.73 3.64 303.15 0.66 4.30 344.73 0.59 4.90 466.89 1.73 6.63 569.81 1.46 8.09 1,077.93 7.22 15.31 1,217.03 1.98 17.28 1,554.50 4.79 22.07 1,753.00 2.82 24.89 2,069.00 4.49 29.38 2,523.40 6.45 35.83 3,253.37 10.37 46.20 4,957.46 24.20 70.40 6,479.66 21.62 92.01 6,990.42 7.25 99.26 7,042.22 0.74 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 3 0 0 0 0 0 0 0 1 0 0 4

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 3 75.00 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 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

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 121.55 121.55 8.55 0.00 121.55 0.00 0.00 121.55 0.00 0.00 121.55 0.00 0.00 121.55 0.00 0.00 121.55 0.00 0.00 121.55 0.00 0.00 121.55 0.00 1,299.78 1,421.33 91.45 0.00 1,421.33 0.00 0.00 1,421.33 0.00 1,421.33

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.55 8.55 8.55 8.55 8.55 8.55 8.55 8.55 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 23.92 0.00 0.00 0.00 0.00 0.00 0.00 0.00 85.39 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11.28 9.99 7.82 6.93 5.87 4.82 3.74 2.45 21.94 20.33 20.18

20.18

Page 170 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 32

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2009

DATE

15/03/2010

Recreation Place

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 0 23 3 1 1 1 1 16 1 9 1 1 1 28 3 39 13 6 8 1 157

0 23 26 27 28 29 30 46 47 56 57 58 59 87 90 129 142 148 156 157

0.00 14.65 1.91 0.64 0.64 0.64 0.64 10.19 0.64 5.73 0.64 0.64 0.64 17.83 1.91 24.84 8.28 3.82 5.10 0.64

0.00 14.65 16.56 17.20 17.83 18.47 19.11 29.30 29.94 35.67 36.31 36.94 37.58 55.41 57.32 82.17 90.45 94.27 99.36 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 56.91 13.65 1.43 1.80 5.27 3.53 60.63 7.34 63.53 22.58 15.27 15.27 467.36 60.33 664.50 529.75 471.15 2,358.61 1.12 4,820.02

0.00 0.00 0.00 56.91 1.18 1.18 70.55 0.28 1.46 71.99 0.03 1.49 73.79 0.04 1.53 79.06 0.11 1.64 82.59 0.07 1.71 143.23 1.26 2.97 150.56 0.15 3.12 214.09 1.32 4.44 236.67 0.47 4.91 251.94 0.32 5.23 267.22 0.32 5.54 734.57 9.70 15.24 794.90 1.25 16.49 1,459.40 13.79 30.28 1,989.15 10.99 41.27 2,460.30 9.77 51.04 4,818.91 48.93 99.98 4,820.02 0.02 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 2 0 0 3

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 33.33 33.33 3 66.67 100.00 3 0.00 100.00 3 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 0.00 241.64 222.08 0.00 0.00 463.71

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 241.64 52.11 463.71 47.89 463.71 0.00 463.71 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 52.11 100.00 100.00 100.00

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 45.61 47.14 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.15 18.85 9.62 9.62

9.62

Page 171 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 40

BAND

DATA POSITION FROM

TOTAL

1,021 337 315 24 38 18 19 18 15 7 5 3 15 22 9 36 42 8 8 5 1,965

01/01/2009

15/12/2009

DATE

15/03/2010

PROCESSING

Non Estate Plantation Risk NUMBER OF POLICIES SUM INSURED Mid Points PERCENTAGE (In Million) f F From To BAND CUM.

1,021 51.96 1,358 17.15 1,673 16.03 1,697 1.22 1,735 1.93 1,753 0.92 1,772 0.97 1,790 0.92 1,805 0.76 1,812 0.36 1,817 0.25 1,820 0.15 1,835 0.76 1,857 1.12 1,866 0.46 1,902 1.83 1,944 2.14 1,952 0.41 1,960 0.41 1,965 0.25

51.96 69.11 85.14 86.36 88.30 89.21 90.18 91.09 91.86 92.21 92.47 92.62 93.38 94.50 94.96 96.79 98.93 99.34 99.75 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 436.40 94.15 146.81 23.69 49.15 35.35 54.09 56.25 58.81 42.48 37.98 25.26 212.35 225.07 137.57 1,224.74 2,258.49 284.00 138.72 174.51 5,715.89

436.40 7.63 7.63 530.55 1.65 9.28 677.36 2.57 11.85 701.06 0.41 12.27 750.20 0.86 13.12 785.56 0.62 13.74 839.65 0.95 14.69 895.90 0.98 15.67 954.71 1.03 16.70 997.19 0.74 17.45 1,035.17 0.66 18.11 1,060.43 0.44 18.55 1,272.78 3.72 22.27 1,497.86 3.94 26.21 1,635.43 2.41 28.61 2,860.16 21.43 50.04 5,118.66 39.51 89.55 5,402.66 4.97 94.52 5,541.38 2.43 96.95 5,715.89 3.05 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP 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 0.00 0.00 0.94 0.94

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.94 100.0

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

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 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 0.00 0.02

0.02

Page 172 of 204

RISK AND LOSS PROFILE 2009 GROUP BY PROVINCE

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

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 01 - NANGROE ACEH DARUSSALAM

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,427 1,531 2,005 1,153 1,127 389 342 221 122 38 29 31 19 27 8 23 21 11 6 20 8,550

1,427 2,958 4,963 6,116 7,243 7,632 7,974 8,195 8,317 8,355 8,384 8,415 8,434 8,461 8,469 8,492 8,513 8,524 8,530 8,550

16.69 17.91 23.45 13.49 13.18 4.55 4.00 2.58 1.43 0.44 0.34 0.36 0.22 0.32 0.09 0.27 0.25 0.13 0.07 0.23

16.69 34.60 58.05 71.53 84.71 89.26 93.26 95.85 97.27 97.72 98.06 98.42 98.64 98.96 99.05 99.32 99.57 99.70 99.77 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 310.89 526.27 1,280.16 1,224.47 1,624.67 973.83 971.58 870.12 519.48 202.95 247.13 182.63 129.06 230.15 84.71 470.83 635.72 346.23 112.38 1,818.98 12,762.24

310.89 2.44 2.44 837.16 4.12 6.56 2,117.32 10.03 16.59 3,341.79 9.59 26.18 4,966.46 12.73 38.92 5,940.29 7.63 46.55 6,911.87 7.61 54.16 7,781.98 6.82 60.98 8,301.46 4.07 65.05 8,504.41 1.59 66.64 8,751.54 1.94 68.57 8,934.18 1.43 70.00 9,063.23 1.01 71.02 9,293.39 1.80 72.82 9,378.09 0.66 73.48 9,848.93 3.69 77.17 10,484.65 4.98 82.15 10,830.87 2.71 84.87 10,943.26 0.88 85.75 12,762.24 14.25 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 1 1 1 0 0 0 1 0 0 0 0 0 0 0 0 1 0 0 0 6

1 2 3 4 4 4 4 5 5 5 5 5 5 5 5 5 6 6 6 6

16.67 16.67 16.67 16.67 0.00 0.00 0.00 16.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.67 0.00 0.00 0.00

16.67 33.33 50.00 66.67 66.67 66.67 66.67 83.33 83.33 83.33 83.33 83.33 83.33 83.33 83.33 83.33 100.00 100.00 100.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 10.33 65.16 89.78 2.23 0.00 0.00 0.00 712.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 77.64 0.00 0.00 0.00 957.37

10.33 1.08 75.48 6.81 165.26 9.38 167.49 0.23 167.49 0.00 167.49 0.00 167.49 0.00 879.73 74.40 879.73 0.00 879.73 0.00 879.73 0.00 879.73 0.00 879.73 0.00 879.73 0.00 879.73 0.00 879.73 0.00 957.37 8.11 957.37 0.00 957.37 0.00 957.37 0.00

1.08 7.88 17.26 17.49 17.49 17.49 17.49 91.89 91.89 91.89 91.89 91.89 91.89 91.89 91.89 91.89 100.00 100.00 100.00 100.00

3.32 12.38 7.01 0.18 0.00 0.00 0.00 81.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.21 0.00 0.00 0.00

3.32 9.02 7.81 5.01 3.37 2.82 2.42 11.30 10.60 10.34 10.05 9.85 9.71 9.47 9.38 8.93 9.13 8.84 8.75 7.50

7.50

Page 173 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 02 - SUMATERA UTARA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 9,094 8,761 14,051 9,820 9,933 4,497 3,328 2,211 1,274 693 597 739 485 569 327 543 485 213 217 35 67,872

9,094 17,855 31,906 41,726 51,659 56,156 59,484 61,695 62,969 63,662 64,259 64,998 65,483 66,052 66,379 66,922 67,407 67,620 67,837 67,872

13.40 12.91 20.70 14.47 14.63 6.63 4.90 3.26 1.88 1.02 0.88 1.09 0.71 0.84 0.48 0.80 0.71 0.31 0.32 0.05

DATA POSITION FROM

13.40 26.31 47.01 61.48 76.11 82.74 87.64 90.90 92.78 93.80 94.68 95.77 96.48 97.32 97.80 98.60 99.31 99.63 99.95 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,456.14 1,676.43 4,558.71 5,376.92 8,834.30 5,884.42 6,473.44 5,674.01 4,258.17 2,980.20 2,918.65 3,929.16 3,447.82 4,853.58 3,430.62 7,358.98 8,692.08 3,053.26 2,834.36 703.70 91,394.95

4,456.14 6,132.57 10,691.28 16,068.19 24,902.49 30,786.91 37,260.36 42,934.37 47,192.53 50,172.73 53,091.39 57,020.55 60,468.36 65,321.95 68,752.57 76,111.55 84,803.62 87,856.88 90,691.25 91,394.95

4.88 4.88 1.83 6.71 4.99 11.70 5.88 17.58 9.67 27.25 6.44 33.69 7.08 40.77 6.21 46.98 4.66 51.64 3.26 54.90 3.19 58.09 4.30 62.39 3.77 66.16 5.31 71.47 3.75 75.23 8.05 83.28 9.51 92.79 3.34 96.13 3.10 99.23 0.77 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 3 0 1 1 1 2 1 1 0 2 1 0 1 0 0 2 0 1 1 0 18

3 3 4 5 6 8 9 10 10 12 13 13 14 14 14 16 16 17 18 18

16.67 16.67 0.00 16.67 5.56 22.22 5.56 27.78 5.56 33.33 11.11 44.44 5.56 50.00 5.56 55.56 0.00 55.56 11.11 66.67 5.56 72.22 0.00 72.22 5.56 77.78 0.00 77.78 0.00 77.78 11.11 88.89 0.00 88.89 5.56 94.44 5.56 100.00 0.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 75.04 0.00 133.88 5.94 10.08 10.25 900.00 1,250.00 0.00 182.13 542.22 0.00 22.64 0.00 0.00 6.00 0.00 325.18 25.00 0.00 3,488.37

75.04 2.15 75.04 0.00 208.93 3.84 214.87 0.17 224.95 0.29 235.20 0.29 1,135.20 25.80 2,385.20 35.83 2,385.20 0.00 2,567.33 5.22 3,109.54 15.54 3,109.54 0.00 3,132.19 0.65 3,132.19 0.00 3,132.19 0.00 3,138.19 0.17 3,138.19 0.00 3,463.37 9.32 3,488.37 0.72 3,488.37 0.00

2.15 2.15 5.99 6.16 6.45 6.74 32.54 68.38 68.38 73.60 89.14 89.14 89.79 89.79 89.79 89.96 89.96 99.28 100.00 100.00

1.68 0.00 2.94 0.11 0.11 0.17 13.90 22.03 0.00 6.11 18.58 0.00 0.66 0.00 0.00 0.08 0.00 10.65 0.88 0.00

1.68 1.22 1.95 1.34 0.90 0.76 3.05 5.56 5.05 5.12 5.86 5.45 5.18 4.79 4.56 4.12 3.70 3.94 3.85 3.82

3.82

Page 174 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 03 - SUMATERA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,355 4,643 7,326 4,605 3,883 1,412 1,077 644 416 194 185 206 149 121 113 134 90 58 32 5 28,648

3,355 7,998 15,324 19,929 23,812 25,224 26,301 26,945 27,361 27,555 27,740 27,946 28,095 28,216 28,329 28,463 28,553 28,611 28,643 28,648

11.71 16.21 25.57 16.07 13.55 4.93 3.76 2.25 1.45 0.68 0.65 0.72 0.52 0.42 0.39 0.47 0.31 0.20 0.11 0.02

DATA POSITION FROM

11.71 27.92 53.49 69.57 83.12 88.05 91.81 94.06 95.51 96.18 96.83 97.55 98.07 98.49 98.89 99.35 99.67 99.87 99.98 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 739.91 822.30 1,999.66 2,088.46 3,337.24 1,982.52 2,264.95 1,786.55 1,395.13 703.83 771.19 822.48 507.41 499.19 471.45 1,192.91 1,718.19 1,146.44 370.75 2,396.18 27,016.75

739.91 2.74 2.74 1,562.20 3.04 5.78 3,561.86 7.40 13.18 5,650.32 7.73 20.91 8,987.56 12.35 33.27 10,970.09 7.34 40.60 13,235.04 8.38 48.99 15,021.58 6.61 55.60 16,416.71 5.16 60.76 17,120.54 2.61 63.37 17,891.73 2.85 66.22 18,714.21 3.04 69.27 19,221.63 1.88 71.15 19,720.82 1.85 72.99 20,192.27 1.75 74.74 21,385.18 4.42 79.16 23,103.37 6.36 85.52 24,249.82 4.24 89.76 24,620.56 1.37 91.13 27,016.75 8.87 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 8 9 28 22 34 12 17 3 11 2 1 3 0 0 1 0 2 0 0 0 153

8 17 45 67 101 113 130 133 144 146 147 150 150 150 151 151 153 153 153 153

5.23 5.88 18.30 14.38 22.22 7.84 11.11 1.96 7.19 1.31 0.65 1.96 0.00 0.00 0.65 0.00 1.31 0.00 0.00 0.00

5.23 11.11 29.41 43.79 66.01 73.86 84.97 86.93 94.12 95.42 96.08 98.04 98.04 98.04 98.69 98.69 100.00 100.00 100.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,480.95 691.67 3,018.73 4,246.49 7,202.26 3,956.20 8,465.00 2,550.00 7,774.80 2,200.00 2,550.00 7,825.20 0.00 0.00 250.00 0.00 63,347.42 0.00 0.00 0.00 116,558.72

2,480.95 2.13 3,172.62 0.59 6,191.35 2.59 10,437.83 3.64 17,640.09 6.18 21,596.29 3.39 30,061.29 7.26 32,611.29 2.19 40,386.09 6.67 42,586.09 1.89 45,136.09 2.19 52,961.29 6.71 52,961.29 0.00 52,961.29 0.00 53,211.29 0.21 53,211.29 0.00 116,558.72 54.35 116,558.72 0.00 116,558.72 0.00 116,558.72 0.00

2.13 2.72 5.31 8.96 15.13 18.53 25.79 27.98 34.65 36.54 38.72 45.44 45.44 45.44 45.65 45.65 100.00 100.00 100.00 100.00

335.31 84.11 150.96 203.33 215.81 199.55 373.74 142.73 557.28 312.58 330.66 951.42 0.00 0.00 53.03 0.00 3686.8 0.00 0.00 0.00

335.31 203.09 173.82 184.73 196.27 196.87 227.13 217.10 246.01 248.74 252.27 283.00 275.53 268.56 263.52 248.82 504.51 480.66 473.42 431.43

431.43

Page 175 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 04 - RIAU

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,370 5,078 7,455 5,000 5,053 1,976 1,337 981 528 290 187 248 158 227 90 201 216 185 125 30 34,735

5,370 10,448 17,903 22,903 27,956 29,932 31,269 32,250 32,778 33,068 33,255 33,503 33,661 33,888 33,978 34,179 34,395 34,580 34,705 34,735

DATA POSITION FROM

15.46 14.62 21.46 14.39 14.55 5.69 3.85 2.82 1.52 0.83 0.54 0.71 0.45 0.65 0.26 0.58 0.62 0.53 0.36 0.09

15.46 30.08 51.54 65.94 80.48 86.17 90.02 92.85 94.37 95.20 95.74 96.45 96.91 97.56 97.82 98.40 99.02 99.55 99.91 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,273.14 1,221.05 3,250.95 4,132.33 6,794.87 3,809.07 3,628.21 3,364.70 2,315.98 1,480.13 1,199.56 1,631.73 1,248.77 1,742.36 913.86 2,965.75 4,143.45 1,879.67 2,835.28 556.54 53,387.40

4,273.14 8.00 8.00 5,494.18 2.29 10.29 8,745.13 6.09 16.38 12,877.46 7.74 24.12 19,672.34 12.73 36.85 23,481.40 7.13 43.98 27,109.61 6.80 50.78 30,474.31 6.30 57.08 32,790.29 4.34 61.42 34,270.42 2.77 64.19 35,469.98 2.25 66.44 37,101.71 3.06 69.50 38,350.48 2.34 71.83 40,092.85 3.26 75.10 41,006.70 1.71 76.81 43,972.45 5.56 82.36 48,115.90 7.76 90.13 49,995.57 3.52 93.65 52,830.86 5.31 98.96 53,387.40 1.04 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 0 5

0 0.00 0.00 0 0.00 0.00 3 60.00 60.00 3 0.00 60.00 3 0.00 60.00 3 0.00 60.00 3 0.00 60.00 3 0.00 60.00 3 0.00 60.00 3 0.00 60.00 3 0.00 60.00 3 0.00 60.00 3 0.00 60.00 3 0.00 60.00 3 0.00 60.00 3 0.00 60.00 3 0.00 60.00 3 0.00 60.00 5 40.00 100.00 5 0.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 205.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19.88 0.00 224.88

0.00 0.00 0.00 0.00 205.00 91.16 205.00 0.00 205.00 0.00 205.00 0.00 205.00 0.00 205.00 0.00 205.00 0.00 205.00 0.00 205.00 0.00 205.00 0.00 205.00 0.00 205.00 0.00 205.00 0.00 205.00 0.00 205.00 0.00 205.00 0.00 224.88 8.84 224.88 0.00

0.00 0.00 91.16 91.16 91.16 91.16 91.16 91.16 91.16 91.16 91.16 91.16 91.16 91.16 91.16 91.16 91.16 91.16 100.00 100.00

0.00 0.00 6.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.70 0.00

0.00 0.00 2.34 1.59 1.04 0.87 0.76 0.67 0.63 0.60 0.58 0.55 0.53 0.51 0.50 0.47 0.43 0.41 0.43 0.42

0.42

Page 176 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 05 - JAMBI

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,856 1,983 2,591 1,546 1,448 604 341 237 130 76 39 59 40 59 44 42 44 46 22 2 11,209

1,856 3,839 6,430 7,976 9,424 10,028 10,369 10,606 10,736 10,812 10,851 10,910 10,950 11,009 11,053 11,095 11,139 11,185 11,207 11,209

DATA POSITION FROM

16.56 17.69 23.12 13.79 12.92 5.39 3.04 2.11 1.16 0.68 0.35 0.53 0.36 0.53 0.39 0.37 0.39 0.41 0.20 0.02

16.56 34.25 57.36 71.16 84.08 89.46 92.51 94.62 95.78 96.46 96.81 97.33 97.69 98.22 98.61 98.98 99.38 99.79 99.98 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 358.82 556.39 1,300.46 1,218.90 1,756.83 1,157.75 895.27 780.74 625.01 352.37 213.03 365.35 338.25 470.27 366.22 914.81 1,102.99 755.48 311.69 265.58 14,106.23

358.82 2.54 2.54 915.21 3.94 6.49 2,215.67 9.22 15.71 3,434.57 8.64 24.35 5,191.40 12.45 36.80 6,349.15 8.21 45.01 7,244.42 6.35 51.36 8,025.16 5.53 56.89 8,650.18 4.43 61.32 9,002.55 2.50 63.82 9,215.59 1.51 65.33 9,580.93 2.59 67.92 9,919.18 2.40 70.32 10,389.46 3.33 73.65 10,755.68 2.60 76.25 11,670.49 6.49 82.73 12,773.48 7.82 90.55 13,528.95 5.36 95.91 13,840.65 2.21 98.12 14,106.23 1.88 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 2

1 50.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 1 0.00 50.00 2 50.00 100.00 2 0.00 100.00 2 0.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 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 1,299.78 0.00 0.00 1,349.78

50.00 3.70 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 1,349.78 96.30 1,349.78 0.00 1,349.78 0.00

3.70 13.93 3.70 0.00 3.70 0.00 3.70 0.00 3.70 0.00 3.70 0.00 3.70 0.00 3.70 0.00 3.70 0.00 3.70 0.00 3.70 0.00 3.70 0.00 3.70 0.00 3.70 0.00 3.70 0.00 3.70 0.00 3.70 0.00 100.00 172.05 100.00 0.00 100.00 0.00

13.93 5.46 2.26 1.46 0.96 0.79 0.69 0.62 0.58 0.56 0.54 0.52 0.50 0.48 0.46 0.43 0.39 9.98 9.75 9.57

9.57

Page 177 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 06 - SUMATERA SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,566 2,807 4,680 3,236 3,235 1,562 1,273 850 470 229 198 184 101 141 100 197 136 73 90 43 22,171

2,566 5,373 10,053 13,289 16,524 18,086 19,359 20,209 20,679 20,908 21,106 21,290 21,391 21,532 21,632 21,829 21,965 22,038 22,128 22,171

11.57 12.66 21.11 14.60 14.59 7.05 5.74 3.83 2.12 1.03 0.89 0.83 0.46 0.64 0.45 0.89 0.61 0.33 0.41 0.19

11.57 24.23 45.34 59.94 74.53 81.58 87.32 91.15 93.27 94.30 95.20 96.03 96.48 97.12 97.57 98.46 99.07 99.40 99.81 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,291.47 529.70 1,803.27 2,133.87 3,499.61 2,455.26 2,828.95 2,340.54 1,813.02 991.14 1,029.58 1,121.18 732.53 925.75 1,008.18 2,118.01 3,347.36 1,295.83 3,979.62 8,603.29 43,848.13

1,291.47 2.95 2.95 1,821.17 1.21 4.15 3,624.43 4.11 8.27 5,758.30 4.87 13.13 9,257.91 7.98 21.11 11,713.17 5.60 26.71 14,542.12 6.45 33.16 16,882.66 5.34 38.50 18,695.68 4.13 42.64 19,686.82 2.26 44.90 20,716.40 2.35 47.25 21,837.57 2.56 49.80 22,570.10 1.67 51.47 23,495.85 2.11 53.58 24,504.02 2.30 55.88 26,622.04 4.83 60.71 29,969.40 7.63 68.35 31,265.22 2.96 71.30 35,244.84 9.08 80.38 43,848.13 19.62 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 1 0 1 1 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 4

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

0.00 25.00 0.00 25.00 25.00 0.00 0.00 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 25.00 25.00 50.00 75.00 75.00 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

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.26 0.00 10.00 253.60 0.00 0.00 0.00 0.00 402.73 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 666.58

0.00 0.00 0.26 0.04 0.26 0.00 10.26 1.50 263.86 38.04 263.86 0.00 263.86 0.00 263.86 0.00 263.86 0.00 666.58 60.42 666.58 0.00 666.58 0.00 666.58 0.00 666.58 0.00 666.58 0.00 666.58 0.00 666.58 0.00 666.58 0.00 666.58 0.00 666.58 0.00

0.00 0.04 0.04 1.54 39.58 39.58 39.58 39.58 39.58 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.05 0.00 0.47 7.25 0.00 0.00 0.00 0.00 40.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.01 0.01 0.18 2.85 2.25 1.81 1.56 1.41 3.39 3.22 3.05 2.95 2.84 2.72 2.50 2.22 2.13 1.89 1.52

1.52

Page 178 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 07 - BENGKULU

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,264 1,203 1,630 1,046 918 336 232 104 72 35 30 22 13 19 10 25 19 9 5 2 6,994

1,264 2,467 4,097 5,143 6,061 6,397 6,629 6,733 6,805 6,840 6,870 6,892 6,905 6,924 6,934 6,959 6,978 6,987 6,992 6,994

DATA POSITION FROM

18.07 17.20 23.31 14.96 13.13 4.80 3.32 1.49 1.03 0.50 0.43 0.31 0.19 0.27 0.14 0.36 0.27 0.13 0.07 0.03

18.07 35.27 58.58 73.53 86.66 91.46 94.78 96.27 97.30 97.80 98.23 98.54 98.73 99.00 99.14 99.50 99.77 99.90 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 337.42 322.81 1,179.91 748.32 1,094.56 840.48 767.86 306.45 279.46 150.27 161.24 94.26 54.42 114.21 156.55 129.98 373.40 180.85 210.75 60.13 7,563.34

337.42 660.23 1,840.15 2,588.47 3,683.03 4,523.50 5,291.36 5,597.82 5,877.27 6,027.54 6,188.79 6,283.05 6,337.47 6,451.67 6,608.23 6,738.21 7,111.61 7,292.46 7,503.21 7,563.34

4.46 4.46 4.27 8.73 15.60 24.33 9.89 34.22 14.47 48.70 11.11 59.81 10.15 69.96 4.05 74.01 3.69 77.71 1.99 79.69 2.13 81.83 1.25 83.07 0.72 83.79 1.51 85.30 2.07 87.37 1.72 89.09 4.94 94.03 2.39 96.42 2.79 99.21 0.79 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 179 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 08 - LAMPUNG

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,358 2,503 3,455 2,085 2,137 1,024 748 529 309 184 192 181 100 143 97 185 186 107 102 47 16,672

2,358 4,861 8,316 10,401 12,538 13,562 14,310 14,839 15,148 15,332 15,524 15,705 15,805 15,948 16,045 16,230 16,416 16,523 16,625 16,672

DATA POSITION FROM

14.14 15.01 20.72 12.51 12.82 6.14 4.49 3.17 1.85 1.10 1.15 1.09 0.60 0.86 0.58 1.11 1.12 0.64 0.61 0.28

14.14 29.16 49.88 62.39 75.20 81.35 85.83 89.01 90.86 91.96 93.11 94.20 94.80 95.66 96.24 97.35 98.46 99.11 99.72 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,687.66 407.67 1,104.27 1,208.98 2,290.57 1,513.68 1,427.05 1,465.27 1,197.67 700.86 826.11 916.76 721.31 1,361.61 912.69 2,526.58 2,676.17 1,994.25 3,672.96 458.03 29,070.17

1,687.66 5.81 5.81 2,095.33 1.40 7.21 3,199.61 3.80 11.01 4,408.59 4.16 15.17 6,699.16 7.88 23.04 8,212.84 5.21 28.25 9,639.89 4.91 33.16 11,105.16 5.04 38.20 12,302.83 4.12 42.32 13,003.69 2.41 44.73 13,829.80 2.84 47.57 14,746.56 3.15 50.73 15,467.88 2.48 53.21 16,829.49 4.68 57.89 17,742.18 3.14 61.03 20,268.76 8.69 69.72 22,944.93 9.21 78.93 24,939.18 6.86 85.79 28,612.14 12.63 98.42 29,070.17 1.58 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 0 2 0 0 0 0 1 0 0 0 1 2 0 0 2 1 2 0 0 12

1 1 3 3 3 3 3 4 4 4 4 5 7 7 7 9 10 12 12 12

8.33 8.33 0.00 8.33 16.67 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 8.33 33.33 0.00 33.33 0.00 33.33 0.00 33.33 8.33 41.67 16.67 58.33 0.00 58.33 0.00 58.33 16.67 75.00 8.33 83.33 16.67 100.00 0.00 100.00 0.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 15.00 0.00 75.36 0.00 0.00 0.00 0.00 13.51 0.00 0.00 0.00 55.24 64.99 0.00 0.00 470.80 1,500.00 939.11 0.00 0.00 3,134.01

15.00 0.48 15.00 0.00 90.36 2.40 90.36 0.00 90.36 0.00 90.36 0.00 90.36 0.00 103.87 0.43 103.87 0.00 103.87 0.00 103.87 0.00 159.12 1.76 224.10 2.07 224.10 0.00 224.10 0.00 694.90 15.02 2,194.90 47.86 3,134.01 29.96 3,134.01 0.00 3,134.01 0.00

0.48 0.48 2.88 2.88 2.88 2.88 2.88 3.31 3.31 3.31 3.31 5.08 7.15 7.15 7.15 22.17 70.04 100.00 100.00 100.00

0.89 0.00 6.82 0.00 0.00 0.00 0.00 0.92 0.00 0.00 0.00 6.03 9.01 0.00 0.00 18.63 56.05 47.09 0.00 0.00

0.89 0.72 2.82 2.05 1.35 1.10 0.94 0.94 0.84 0.80 0.75 1.08 1.45 1.33 1.26 3.43 9.57 12.57 10.95 10.78

10.78

Page 180 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 09 - DKI JAKARTA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

17,177 12,849 25,879 23,224 33,909 20,852 15,755 12,318 6,793 3,639 2,845 3,340 2,160 2,395 1,445 2,284 1,730 775 1,078 374 190,821

17,177 30,026 55,905 79,129 113,03 133,89 149,64 161,96 168,75 172,39 175,24 178,58 180,74 183,13 184,58 186,86 188,59 189,36 190,44 190,82

9.00 6.73 13.56 12.17 17.77 10.93 8.26 6.46 3.56 1.91 1.49 1.75 1.13 1.26 0.76 1.20 0.91 0.41 0.56 0.20

DATA POSITION FROM

9.00 15.74 29.30 41.47 59.24 70.17 78.42 84.88 88.44 90.34 91.83 93.59 94.72 95.97 96.73 97.93 98.83 99.24 99.80 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 16,087.48 2,737.69 7,520.83 9,674.59 21,504.99 19,170.02 21,460.89 23,507.53 17,367.88 11,810.27 12,303.17 15,382.27 12,231.95 16,546.93 12,025.00 24,726.53 23,259.23 10,165.71 19,331.70 56,181.58 352,996.25

16,087.48 4.56 4.56 18,825.17 0.78 5.33 26,346.00 2.13 7.46 36,020.60 2.74 10.20 57,525.58 6.09 16.30 76,695.61 5.43 21.73 98,156.50 6.08 27.81 121,664.03 6.66 34.47 139,031.91 4.92 39.39 150,842.18 3.35 42.73 163,145.35 3.49 46.22 178,527.62 4.36 50.57 190,759.57 3.47 54.04 207,306.50 4.69 58.73 219,331.50 3.41 62.13 244,058.04 7.00 69.14 267,317.26 6.59 75.73 277,482.97 2.88 78.61 296,814.67 5.48 84.08 352,996.25 15.92 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 22 6 6 7 7 2 8 4 4 0 3 2 2 4 0 2 14 2 9 6

110

22 20.00 20.00 28 5.45 25.45 34 5.45 30.91 41 6.36 37.27 48 6.36 43.64 50 1.82 45.45 58 7.27 52.73 62 3.64 56.36 66 3.64 60.00 66 0.00 60.00 69 2.73 62.73 71 1.82 64.55 73 1.82 66.36 77 3.64 70.00 77 0.00 70.00 79 1.82 71.82 93 12.73 84.55 95 1.82 86.36 104 8.18 94.55 110 5.45 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 1,311.71 436.75 346.81 608.70 424.22 62.77 2,162.88 1,080.12 3,308.39 0.00 527.80 25.00 2,573.67 4,225.22 0.00 67.75 23,898.16 30.80 88,105.64 69.60 129,265.98

1,311.71 1.01 1,748.46 0.34 2,095.27 0.27 2,703.97 0.47 3,128.19 0.33 3,190.96 0.05 5,353.84 1.67 6,433.96 0.84 9,742.35 2.56 9,742.35 0.00 10,270.14 0.41 10,295.14 0.02 12,868.81 1.99 17,094.03 3.27 17,094.03 0.00 17,161.77 0.05 41,059.94 18.49 41,090.74 0.02 129,196.38 68.16 129,265.98 0.05

1.01 8.15 1.35 15.95 1.62 4.61 2.09 6.29 2.42 1.97 2.47 0.33 4.14 10.08 4.98 4.59 7.54 19.05 7.54 0.00 7.94 4.29 7.96 0.16 9.96 21.04 13.22 25.53 13.22 0.00 13.28 0.27 31.76 102.75 31.79 0.30 99.95 455.76 100.00 0.12

8.15 9.29 7.95 7.51 5.44 4.16 5.45 5.29 7.01 6.46 6.30 5.77 6.75 8.25 7.79 7.03 15.36 14.81 43.53 36.62

36.62

Page 181 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 10 - JAWA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 22,960 20,486 26,363 16,736 17,728 9,067 6,411 5,194 2,931 1,788 1,373 1,692 1,186 1,712 1,089 2,091 1,711 846 1,182 351 142,897

22,960 43,446 69,809 86,545 104,27 113,34 119,75 124,94 127,87 129,66 131,03 132,72 133,91 135,62 136,71 138,80 140,51 141,36 142,54 142,89

16.07 14.34 18.45 11.71 12.41 6.35 4.49 3.63 2.05 1.25 0.96 1.18 0.83 1.20 0.76 1.46 1.20 0.59 0.83 0.25

DATA POSITION FROM

16.07 30.40 48.85 60.56 72.97 79.32 83.80 87.44 89.49 90.74 91.70 92.88 93.71 94.91 95.67 97.14 98.34 98.93 99.75 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 14,064.20 3,596.36 8,164.35 8,487.88 14,315.74 10,803.73 10,710.10 11,497.24 8,846.86 6,325.44 5,650.75 7,999.46 6,604.15 12,001.38 9,011.94 22,842.24 24,671.47 11,631.00 18,733.93 6,769.04 222,727.26

14,064.20 6.31 6.31 17,660.56 1.61 7.93 25,824.91 3.67 11.59 34,312.79 3.81 15.41 48,628.53 6.43 21.83 59,432.26 4.85 26.68 70,142.36 4.81 31.49 81,639.60 5.16 36.65 90,486.46 3.97 40.63 96,811.90 2.84 43.47 102,462.65 2.54 46.00 110,462.11 3.59 49.60 117,066.26 2.97 52.56 129,067.64 5.39 57.95 138,079.58 4.05 61.99 160,921.82 10.26 72.25 185,593.29 11.08 83.33 197,224.29 5.22 88.55 215,958.21 8.41 96.96 222,727.26 3.04 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 8 2 0 10 4 2 2 1 2 1 2 6 1 1 22 5 6 3 20 37 135

8 5.93 5.93 10 1.48 7.41 10 0.00 7.41 20 7.41 14.81 24 2.96 17.78 26 1.48 19.26 28 1.48 20.74 29 0.74 21.48 31 1.48 22.96 32 0.74 23.70 34 1.48 25.19 40 4.44 29.63 41 0.74 30.37 42 0.74 31.11 64 16.30 47.41 69 3.70 51.11 75 4.44 55.56 78 2.22 57.78 98 14.81 72.59 135 27.41 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 16,477.50 16,477.50 14.07 76.53 16,554.04 0.07 0.00 16,554.04 0.00 515.33 17,069.37 0.44 41.26 17,110.63 0.04 822.64 17,933.27 0.70 0.00 17,933.27 0.00 15.85 17,949.12 0.01 21.88 17,971.00 0.02 0.00 17,971.00 0.00 8.95 17,979.95 0.01 126.15 18,106.11 0.11 27.18 18,133.28 0.02 4.00 18,137.28 0.00 3,953.77 22,091.05 3.38 40,608.98 62,700.03 34.67 1,640.16 64,340.20 1.40 50.58 64,390.77 0.04 2,738.84 67,129.62 2.34 49,986.26 117,115.88 42.68 117,115.88

14.07 117.16 117.16 14.13 2.13 93.73 14.13 0.00 64.10 14.57 6.07 49.75 14.61 0.29 35.19 15.31 7.61 30.17 15.31 0.00 25.57 15.33 0.14 21.99 15.34 0.25 19.86 15.34 0.00 18.56 15.35 0.16 17.55 15.46 1.58 16.39 15.48 0.41 15.49 15.49 0.03 14.05 18.86 43.87 16.00 53.54 177.78 38.96 54.94 6.65 34.67 54.98 0.43 32.65 57.32 14.62 31.08 100.00 738.45 52.58 52.58

Page 182 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 11 - JAWA TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 16,029 13,402 13,819 6,753 7,195 4,137 3,013 2,660 1,551 875 721 850 511 734 434 759 611 231 278 126 74,689

16,029 21.46 29,431 17.94 43,250 18.50 50,003 9.04 57,198 9.63 61,335 5.54 64,348 4.03 67,008 3.56 68,559 2.08 69,434 1.17 70,155 0.97 71,005 1.14 71,516 0.68 72,250 0.98 72,684 0.58 73,443 1.02 74,054 0.82 74,285 0.31 74,563 0.37 74,689 0.17

DATA POSITION FROM

21.46 39.40 57.91 66.95 76.58 82.12 86.15 89.72 91.79 92.96 93.93 95.07 95.75 96.73 97.32 98.33 99.15 99.46 99.83 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,948.14 2,202.06 4,139.44 3,613.58 6,456.63 5,270.38 4,929.09 5,971.79 4,504.47 3,260.98 3,348.34 4,285.90 3,487.39 5,874.93 4,101.63 10,360.43 9,936.46 3,898.80 6,979.68 2,035.77 99,605.89

4,948.14 4.97 4.97 7,150.20 2.21 7.18 11,289.64 4.16 11.33 14,903.22 3.63 14.96 21,359.85 6.48 21.44 26,630.23 5.29 26.74 31,559.31 4.95 31.68 37,531.11 6.00 37.68 42,035.58 4.52 42.20 45,296.56 3.27 45.48 48,644.90 3.36 48.84 52,930.80 4.30 53.14 56,418.19 3.50 56.64 62,293.12 5.90 62.54 66,394.75 4.12 66.66 76,755.18 10.40 77.06 86,691.64 9.98 87.03 90,590.43 3.91 90.95 97,570.11 7.01 97.96 99,605.89 2.04 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 3 0 0 3 2 0 2 2 0 0 0 2 0 1 1 2 2 2 1 0 23

3 13.04 13.04 3 0.00 13.04 3 0.00 13.04 6 13.04 26.09 8 8.70 34.78 8 0.00 34.78 10 8.70 43.48 12 8.70 52.17 12 0.00 52.17 12 0.00 52.17 12 0.00 52.17 14 8.70 60.87 14 0.00 60.87 15 4.35 65.22 16 4.35 69.57 18 8.70 78.26 20 8.70 86.96 22 8.70 95.65 23 4.35 100.00 23 0.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 588.31 0.00 0.00 76.34 100.21 0.00 364.21 51.25 0.00 0.00 0.00 19.64 0.00 95.57 0.00 150.00 31.24 122.00 0.00 0.00 1,598.77

588.31 36.80 588.31 0.00 588.31 0.00 664.65 4.77 764.86 6.27 764.86 0.00 1,129.07 22.78 1,180.32 3.21 1,180.32 0.00 1,180.32 0.00 1,180.32 0.00 1,199.96 1.23 1,199.96 0.00 1,295.53 5.98 1,295.53 0.00 1,445.53 9.38 1,476.77 1.95 1,598.77 7.63 1,598.77 0.00 1,598.77 0.00

36.80 36.80 36.80 41.57 47.84 47.84 70.62 73.83 73.83 73.83 73.83 75.06 75.06 81.03 81.03 90.42 92.37 100.00 100.00 100.00

11.89 0.00 0.00 2.11 1.55 0.00 7.39 0.86 0.00 0.00 0.00 0.46 0.00 1.63 0.00 1.45 0.31 3.13 0.00 0.00

11.89 8.23 5.21 4.46 3.58 2.87 3.58 3.14 2.81 2.61 2.43 2.27 2.13 2.08 1.95 1.88 1.70 1.76 1.64 1.61

1.61

Page 183 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 12 - DI YOGYAKARTA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,864 1,441 1,943 1,192 1,179 749 643 492 275 148 110 124 78 122 62 85 63 25 15 6 10,616

1,864 3,305 5,248 6,440 7,619 8,368 9,011 9,503 9,778 9,926 10,036 10,160 10,238 10,360 10,422 10,507 10,570 10,595 10,610 10,616

17.56 13.57 18.30 11.23 11.11 7.06 6.06 4.63 2.59 1.39 1.04 1.17 0.73 1.15 0.58 0.80 0.59 0.24 0.14 0.06

DATA POSITION FROM

17.56 31.13 49.43 60.66 71.77 78.82 84.88 89.52 92.11 93.50 94.54 95.70 96.44 97.59 98.17 98.97 99.57 99.80 99.94 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 582.49 220.39 659.54 538.99 788.78 757.15 1,573.59 931.57 582.60 403.43 387.80 616.68 365.80 805.38 402.77 900.85 695.05 268.60 431.81 327.40 12,240.67

582.49 4.76 4.76 802.89 1.80 6.56 1,462.42 5.39 11.95 2,001.42 4.40 16.35 2,790.20 6.44 22.79 3,547.35 6.19 28.98 5,120.93 12.86 41.84 6,052.51 7.61 49.45 6,635.11 4.76 54.21 7,038.54 3.30 57.50 7,426.33 3.17 60.67 8,043.02 5.04 65.71 8,408.81 2.99 68.70 9,214.19 6.58 75.28 9,616.96 3.29 78.57 10,517.81 7.36 85.93 11,212.86 5.68 91.60 11,481.46 2.19 93.80 11,913.28 3.53 97.33 12,240.67 2.67 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 0 1 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 4

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

25.00 0.00 25.00 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

25.00 25.00 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

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 9.90 0.00 2.67 0.00 31.84 0.00 0.00 44.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 89.16

9.90 11.10 9.90 0.00 12.57 2.99 12.57 0.00 44.41 35.71 44.41 0.00 44.41 0.00 89.16 50.19 89.16 0.00 89.16 0.00 89.16 0.00 89.16 0.00 89.16 0.00 89.16 0.00 89.16 0.00 89.16 0.00 89.16 0.00 89.16 0.00 89.16 0.00 89.16 0.00

11.10 11.10 14.10 14.10 49.81 49.81 49.81 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

1.70 0.00 0.40 0.00 4.04 0.00 0.00 4.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1.70 1.23 0.86 0.63 1.59 1.25 0.87 1.47 1.34 1.27 1.20 1.11 1.06 0.97 0.93 0.85 0.80 0.78 0.75 0.73

0.73

Page 184 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 13 - JAWA TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 14,199 13,741 16,883 10,287 12,701 7,425 5,723 5,189 2,837 1,644 1,258 1,495 1,015 1,401 804 1,412 1,265 505 630 217 100,631

14,199 27,940 44,823 55,110 67,811 75,236 80,959 86,148 88,985 90,629 91,887 93,382 94,397 95,798 96,602 98,014 99,279 99,784 100,41 100,63

DATA POSITION FROM

14.11 13.65 16.78 10.22 12.62 7.38 5.69 5.16 2.82 1.63 1.25 1.49 1.01 1.39 0.80 1.40 1.26 0.50 0.63 0.22

14.11 27.76 44.54 54.76 67.39 74.76 80.45 85.61 88.43 90.06 91.31 92.80 93.81 95.20 96.00 97.40 98.66 99.16 99.78 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 7,458.41 2,335.35 5,009.23 5,451.00 10,124.53 8,466.08 8,495.74 10,624.26 7,761.15 6,820.22 5,389.57 7,743.86 6,470.41 10,738.54 8,295.81 18,431.90 18,841.89 6,930.23 14,215.12 25,708.26 195,311.54

7,458.41 3.82 3.82 9,793.75 1.20 5.01 14,802.99 2.56 7.58 20,253.99 2.79 10.37 30,378.51 5.18 15.55 38,844.59 4.33 19.89 47,340.34 4.35 24.24 57,964.60 5.44 29.68 65,725.75 3.97 33.65 72,545.97 3.49 37.14 77,935.53 2.76 39.90 85,679.39 3.96 43.87 92,149.80 3.31 47.18 102,888.34 5.50 52.68 111,184.14 4.25 56.93 129,616.04 9.44 66.36 148,457.93 9.65 76.01 155,388.16 3.55 79.56 169,603.28 7.28 86.84 195,311.54 13.16 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 1 3 4 2 1 2 10 0 4 1 2 1 1 1 3 2 3 1 5 51

4 7.84 7.84 5 1.96 9.80 8 5.88 15.69 12 7.84 23.53 14 3.92 27.45 15 1.96 29.41 17 3.92 33.33 27 19.61 52.94 27 0.00 52.94 31 7.84 60.78 32 1.96 62.75 34 3.92 66.67 35 1.96 68.63 36 1.96 70.59 37 1.96 72.55 40 5.88 78.43 42 3.92 82.35 45 5.88 88.24 46 1.96 90.20 51 9.80 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 56.72 97.64 314.25 221.13 67.08 702.00 126.00 156.89 0.00 380.75 550.00 2,710.44 41.99 81.53 600.00 3,905.03 248.50 1,514.58 1,300.00 264.36 13,338.90

56.72 0.43 154.36 0.73 468.61 2.36 689.74 1.66 756.82 0.50 1,458.82 5.26 1,584.82 0.94 1,741.72 1.18 1,741.72 0.00 2,122.47 2.85 2,672.47 4.12 5,382.91 20.32 5,424.90 0.31 5,506.43 0.61 6,106.43 4.50 10,011.45 29.28 10,259.95 1.86 11,774.54 11.35 13,074.54 9.75 13,338.90 1.98

0.43 1.16 3.51 5.17 5.67 10.94 11.88 13.06 13.06 15.91 20.04 40.35 40.67 41.28 45.78 75.05 76.92 88.27 98.02 100.00

0.76 4.18 6.27 4.06 0.66 8.29 1.48 1.48 0.00 5.58 10.20 35.00 0.65 0.76 7.23 21.19 1.32 21.85 9.15 1.03

0.76 1.58 3.17 3.41 2.49 3.76 3.35 3.00 2.65 2.93 3.43 6.28 5.89 5.35 5.49 7.72 6.91 7.58 7.71 6.83

6.83

Page 185 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 14 - KALIMANTAN BARAT

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,241 7,713 8,588 3,030 2,310 824 552 344 169 112 93 110 51 69 36 96 57 48 26 8 29,477

5,241 12,954 21,542 24,572 26,882 27,706 28,258 28,602 28,771 28,883 28,976 29,086 29,137 29,206 29,242 29,338 29,395 29,443 29,469 29,477

17.78 26.17 29.13 10.28 7.84 2.80 1.87 1.17 0.57 0.38 0.32 0.37 0.17 0.23 0.12 0.33 0.19 0.16 0.09 0.03

17.78 43.95 73.08 83.36 91.20 93.99 95.86 97.03 97.60 97.98 98.30 98.67 98.85 99.08 99.20 99.53 99.72 99.88 99.97 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,563.95 3,694.27 7,932.20 4,986.18 5,577.60 2,670.63 2,326.45 1,753.93 1,121.73 725.42 650.47 844.40 500.99 649.77 631.59 1,720.59 1,020.50 3,815.17 1,020.55 260.65 44,467.06

2,563.95 5.77 5.77 6,258.22 8.31 14.07 14,190.42 17.84 31.91 19,176.60 11.21 43.13 24,754.20 12.54 55.67 27,424.83 6.01 61.67 29,751.28 5.23 66.91 31,505.22 3.94 70.85 32,626.95 2.52 73.37 33,352.37 1.63 75.00 34,002.84 1.46 76.47 34,847.24 1.90 78.37 35,348.23 1.13 79.49 35,998.00 1.46 80.95 36,629.59 1.42 82.37 38,350.18 3.87 86.24 39,370.68 2.29 88.54 43,185.85 8.58 97.12 44,206.41 2.30 99.41 44,467.06 0.59 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 1 2 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5

1 2 4 4 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5

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

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 226.27 85.00 58.11 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 0.00 419.38

226.27 311.27 369.38 369.38 419.38 419.38 419.38 419.38 419.38 419.38 419.38 419.38 419.38 419.38 419.38 419.38 419.38 419.38 419.38 419.38

53.95 20.27 13.86 0.00 11.92 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 0.00 0.00

53.95 74.22 88.08 88.08 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

8.83 2.30 0.73 0.00 0.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8.83 4.97 2.60 1.93 1.69 1.53 1.41 1.33 1.29 1.26 1.23 1.20 1.19 1.17 1.14 1.09 1.07 0.97 0.95 0.94

0.94

Page 186 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 15 - KALIMANTAN TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,238 1,478 1,513 771 818 407 242 223 100 58 33 33 24 37 20 53 29 32 26 7 7,142

1,238 2,716 4,229 5,000 5,818 6,225 6,467 6,690 6,790 6,848 6,881 6,914 6,938 6,975 6,995 7,048 7,077 7,109 7,135 7,142

17.33 20.69 21.18 10.80 11.45 5.70 3.39 3.12 1.40 0.81 0.46 0.46 0.34 0.52 0.28 0.74 0.41 0.45 0.36 0.10

17.33 38.03 59.21 70.01 81.46 87.16 90.55 93.67 95.07 95.88 96.35 96.81 97.14 97.66 97.94 98.68 99.09 99.54 99.90 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 453.41 520.89 1,116.27 817.00 1,616.53 1,408.16 738.08 1,382.44 473.37 232.17 220.61 218.22 157.29 315.22 158.80 723.64 386.78 607.28 219.98 49.01 11,815.14

453.41 3.84 3.84 974.29 4.41 8.25 2,090.56 9.45 17.69 2,907.56 6.91 24.61 4,524.09 13.68 38.29 5,932.25 11.92 50.21 6,670.33 6.25 56.46 8,052.77 11.70 68.16 8,526.14 4.01 72.16 8,758.31 1.97 74.13 8,978.92 1.87 76.00 9,197.14 1.85 77.84 9,354.43 1.33 79.17 9,669.65 2.67 81.84 9,828.45 1.34 83.19 10,552.09 6.12 89.31 10,938.87 3.27 92.58 11,546.15 5.14 97.72 11,766.13 1.86 99.59 11,815.14 0.41 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 1 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 1 4

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

0.00 0.00 0.00 0.00 0.00 0.00 25.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 25.00 50.00 25.00 75.00 0.00 75.00 0.00 75.00 0.00 75.00 0.00 75.00 25.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 165.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 70.50 21.99 0.00 0.00 0.00 0.00 0.94 258.43

0.00 0.00 0.00 0.00 0.00 0.00 165.00 63.85 165.00 0.00 165.00 0.00 165.00 0.00 165.00 0.00 165.00 0.00 165.00 0.00 165.00 0.00 165.00 0.00 165.00 0.00 235.50 27.28 257.49 8.51 257.49 0.00 257.49 0.00 257.49 0.00 257.49 0.00 258.43 0.36

0.00 0.00 0.00 63.85 63.85 63.85 63.85 63.85 63.85 63.85 63.85 63.85 63.85 91.13 99.64 99.64 99.64 99.64 99.64 100.00

0.00 0.00 0.00 20.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 22.37 13.85 0.00 0.00 0.00 0.00 1.92

0.00 0.00 0.00 5.67 3.65 2.78 2.47 2.05 1.94 1.88 1.84 1.79 1.76 2.44 2.62 2.44 2.35 2.23 2.19 2.19

2.19

Page 187 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 16 - KALIMANTAN SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,692 2,249 3,045 1,661 1,589 834 475 357 211 139 84 117 75 79 62 108 69 47 45 22 13,960

2,692 4,941 7,986 9,647 11,236 12,070 12,545 12,902 13,113 13,252 13,336 13,453 13,528 13,607 13,669 13,777 13,846 13,893 13,938 13,960

19.28 16.11 21.81 11.90 11.38 5.97 3.40 2.56 1.51 1.00 0.60 0.84 0.54 0.57 0.44 0.77 0.49 0.34 0.32 0.16

19.28 35.39 57.21 69.10 80.49 86.46 89.86 92.42 93.93 94.93 95.53 96.37 96.91 97.47 97.92 98.69 99.18 99.52 99.84 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 728.76 486.50 1,189.63 1,027.87 1,625.35 1,363.00 1,112.86 1,054.04 867.20 902.04 480.76 764.99 550.26 755.31 656.94 -909.11 1,034.36 779.27 809.68 497.50 15,777.20

728.76 4.62 4.62 1,215.26 3.08 7.70 2,404.89 7.54 15.24 3,432.76 6.51 21.76 5,058.11 10.30 32.06 6,421.11 8.64 40.70 7,533.97 7.05 47.75 8,588.01 6.68 54.43 9,455.21 5.50 59.93 10,357.25 5.72 65.65 10,838.01 3.05 68.69 11,602.99 4.85 73.54 12,153.25 3.49 77.03 12,908.56 4.79 81.82 13,565.49 4.16 85.98 12,656.39 -5.76 80.22 13,690.74 6.56 86.78 14,470.01 4.94 91.71 15,279.70 5.13 96.85 15,777.20 3.15 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 1 0 0 0 0 2 0 0 0 0 0 0 0 0 0 0 0 1 0 4

0 0.00 0.00 1 25.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 3 50.00 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 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 3 0.00 75.00 4 25.00 100.00 4 0.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 33.17 0.00 0.00 0.00 0.00 11.21 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.69 0.00 53.07

0.00 0.00 33.17 62.51 33.17 0.00 33.17 0.00 33.17 0.00 33.17 0.00 44.38 21.11 44.38 0.00 44.38 0.00 44.38 0.00 44.38 0.00 44.38 0.00 44.38 0.00 44.38 0.00 44.38 0.00 44.38 0.00 44.38 0.00 44.38 0.00 53.07 16.37 53.07 0.00

0.00 62.51 62.51 62.51 62.51 62.51 83.63 83.63 83.63 83.63 83.63 83.63 83.63 83.63 83.63 83.63 83.63 83.63 100.00 100.00

0.00 6.82 0.00 0.00 0.00 0.00 1.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.07 0.00

0.00 2.73 1.38 0.97 0.66 0.52 0.59 0.52 0.47 0.43 0.41 0.38 0.37 0.34 0.33 0.35 0.32 0.31 0.35 0.34

0.34

Page 188 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 17 - KALIMANTAN TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,484 2,910 4,259 2,854 3,438 1,797 1,292 945 481 233 213 188 147 149 90 152 161 90 113 54 22,050

2,484 5,394 9,653 12,507 15,945 17,742 19,034 19,979 20,460 20,693 20,906 21,094 21,241 21,390 21,480 21,632 21,793 21,883 21,996 22,050

11.27 13.20 19.32 12.94 15.59 8.15 5.86 4.29 2.18 1.06 0.97 0.85 0.67 0.68 0.41 0.69 0.73 0.41 0.51 0.24

11.27 24.46 43.78 56.72 72.31 80.46 86.32 90.61 92.79 93.85 94.81 95.66 96.33 97.01 97.41 98.10 98.83 99.24 99.76 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,235.86 802.45 2,009.96 2,196.02 4,097.99 3,673.05 3,423.63 3,329.33 2,269.09 1,097.47 1,334.20 1,278.28 1,082.57 1,574.58 912.47 1,904.68 2,381.17 1,733.83 2,806.41 14,798.27 53,941.31

1,235.86 2.29 2.29 2,038.32 1.49 3.78 4,048.27 3.73 7.50 6,244.30 4.07 11.58 10,342.29 7.60 19.17 14,015.34 6.81 25.98 17,438.97 6.35 32.33 20,768.30 6.17 38.50 23,037.39 4.21 42.71 24,134.85 2.03 44.74 25,469.05 2.47 47.22 26,747.34 2.37 49.59 27,829.91 2.01 51.59 29,404.48 2.92 54.51 30,316.96 1.69 56.20 32,221.63 3.53 59.73 34,602.80 4.41 64.15 36,336.64 3.21 67.36 39,143.04 5.20 72.57 53,941.31 27.43 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 2 2 0 2 1 1 0 0 0 0 0 0 0 0 0 1 1 0 0 10

0 2 4 4 6 7 8 8 8 8 8 8 8 8 8 8 9 10 10 10

0.00 0.00 20.00 20.00 20.00 40.00 0.00 40.00 20.00 60.00 10.00 70.00 10.00 80.00 0.00 80.00 0.00 80.00 0.00 80.00 0.00 80.00 0.00 80.00 0.00 80.00 0.00 80.00 0.00 80.00 0.00 80.00 10.00 90.00 10.00 100.00 0.00 100.00 0.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 127.36 126.21 0.00 82.13 5.72 886.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,400.00 7,500.00 0.00 0.00 11,127.84

0.00 0.00 127.36 1.14 253.57 1.13 253.57 0.00 335.70 0.74 341.42 0.05 1,227.84 7.97 1,227.84 0.00 1,227.84 0.00 1,227.84 0.00 1,227.84 0.00 1,227.84 0.00 1,227.84 0.00 1,227.84 0.00 1,227.84 0.00 1,227.84 0.00 3,627.84 21.57 11,127.84 67.40 11,127.84 0.00 11,127.84 0.00

0.00 0.00 1.14 15.87 2.28 6.28 2.28 0.00 3.02 2.00 3.07 0.16 11.03 25.89 11.03 0.00 11.03 0.00 11.03 0.00 11.03 0.00 11.03 0.00 11.03 0.00 11.03 0.00 11.03 0.00 11.03 0.00 32.60 100.79 100.00 432.57 100.00 0.00 100.00 0.00

0.00 6.25 6.26 4.06 3.25 2.44 7.04 5.91 5.33 5.09 4.82 4.59 4.41 4.18 4.05 3.81 10.48 30.62 28.43 20.63

20.63

Page 189 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 18 - SULAWESI UTARA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,288 1,133 1,902 1,275 1,367 717 583 516 276 121 117 132 62 109 73 86 49 12 24 3 9,845

1,288 2,421 4,323 5,598 6,965 7,682 8,265 8,781 9,057 9,178 9,295 9,427 9,489 9,598 9,671 9,757 9,806 9,818 9,842 9,845

13.08 11.51 19.32 12.95 13.89 7.28 5.92 5.24 2.80 1.23 1.19 1.34 0.63 1.11 0.74 0.87 0.50 0.12 0.24 0.03

DATA POSITION FROM

13.08 24.59 43.91 56.86 70.75 78.03 83.95 89.19 92.00 93.22 94.41 95.75 96.38 97.49 98.23 99.11 99.60 99.73 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 513.82 256.25 668.25 609.32 1,200.59 1,079.42 1,409.24 1,575.34 1,038.39 684.99 773.97 687.58 452.52 1,021.83 882.21 1,283.35 732.39 164.38 255.42 181.17 15,470.44

513.82 3.32 3.32 770.07 1.66 4.98 1,438.32 4.32 9.30 2,047.63 3.94 13.24 3,248.23 7.76 21.00 4,327.65 6.98 27.97 5,736.89 9.11 37.08 7,312.23 10.18 47.27 8,350.62 6.71 53.98 9,035.62 4.43 58.41 9,809.58 5.00 63.41 10,497.17 4.44 67.85 10,949.69 2.93 70.78 11,971.52 6.61 77.38 12,853.73 5.70 83.09 14,137.08 8.30 91.38 14,869.47 4.73 96.12 15,033.85 1.06 97.18 15,289.26 1.65 98.83 15,470.44 1.17 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 2 0 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5

0 0.00 0.00 0 0.00 0.00 2 40.00 40.00 2 0.00 40.00 5 60.00 100.00 5 0.00 100.00 5 0.00 100.00 5 0.00 100.00 5 0.00 100.00 5 0.00 100.00 5 0.00 100.00 5 0.00 100.00 5 0.00 100.00 5 0.00 100.00 5 0.00 100.00 5 0.00 100.00 5 0.00 100.00 5 0.00 100.00 5 0.00 100.00 5 0.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 219.68 0.00 929.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,148.68

0.00 0.00 0.00 0.00 219.68 19.12 219.68 0.00 1,148.68 80.88 1,148.68 0.00 1,148.68 0.00 1,148.68 0.00 1,148.68 0.00 1,148.68 0.00 1,148.68 0.00 1,148.68 0.00 1,148.68 0.00 1,148.68 0.00 1,148.68 0.00 1,148.68 0.00 1,148.68 0.00 1,148.68 0.00 1,148.68 0.00 1,148.68 0.00

0.00 0.00 19.12 19.12 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 32.87 0.00 77.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 15.27 10.73 35.36 26.54 20.02 15.71 13.76 12.71 11.71 10.94 10.49 9.60 8.94 8.13 7.73 7.64 7.51 7.42

7.42

Page 190 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 19 - SULAWESI TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 943 724 957 652 693 356 265 219 115 72 36 50 40 52 25 15 18 20 3 0 5,255

943 1,667 2,624 3,276 3,969 4,325 4,590 4,809 4,924 4,996 5,032 5,082 5,122 5,174 5,199 5,214 5,232 5,252 5,255 5,255

17.94 13.78 18.21 12.41 13.19 6.77 5.04 4.17 2.19 1.37 0.69 0.95 0.76 0.99 0.48 0.29 0.34 0.38 0.06 0.00

DATA POSITION FROM

17.94 31.72 49.93 62.34 75.53 82.30 87.35 91.51 93.70 95.07 95.76 96.71 97.47 98.46 98.93 99.22 99.56 99.94 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 215.22 225.34 497.58 838.49 1,207.36 817.03 825.34 910.13 658.65 715.45 274.65 449.07 327.53 404.50 272.67 527.96 212.07 133.82 33.09 0.00 9,545.95

215.22 2.25 2.25 440.56 2.36 4.62 938.13 5.21 9.83 1,776.62 8.78 18.61 2,983.98 12.65 31.26 3,801.01 8.56 39.82 4,626.35 8.65 48.46 5,536.47 9.53 58.00 6,195.13 6.90 64.90 6,910.58 7.49 72.39 7,185.23 2.88 75.27 7,634.30 4.70 79.97 7,961.83 3.43 83.41 8,366.33 4.24 87.64 8,639.01 2.86 90.50 9,166.97 5.53 96.03 9,379.04 2.22 98.25 9,512.86 1.40 99.65 9,545.95 0.35 100.00 9,545.95 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 1 100.0 100.00 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

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 52.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 52.99

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 52.99 100.0 52.99 0.00 52.99 0.00 52.99 0.00 52.99 0.00 52.99 0.00 52.99 0.00 52.99 0.00 52.99 0.00 52.99 0.00 52.99 0.00 52.99 0.00 52.99 0.00 52.99 0.00 52.99 0.00 52.99 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

0.00 0.00 0.00 0.00 4.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 1.78 1.39 1.15 0.96 0.86 0.77 0.74 0.69 0.67 0.63 0.61 0.58 0.56 0.56 0.56 0.56

0.56

Page 191 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 20 - SULAWESI SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,575 4,486 5,902 3,337 3,332 1,716 1,061 874 486 255 231 239 145 204 81 158 104 51 53 14 26,304

3,575 8,061 13,963 17,300 20,632 22,348 23,409 24,283 24,769 25,024 25,255 25,494 25,639 25,843 25,924 26,082 26,186 26,237 26,290 26,304

13.59 17.05 22.44 12.69 12.67 6.52 4.03 3.32 1.85 0.97 0.88 0.91 0.55 0.78 0.31 0.60 0.40 0.19 0.20 0.05

13.59 30.65 53.08 65.77 78.44 84.96 88.99 92.32 94.16 95.13 96.01 96.92 97.47 98.25 98.56 99.16 99.55 99.75 99.95 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 875.72 968.44 2,340.56 2,811.21 4,695.77 4,105.53 2,738.62 3,003.30 2,052.14 1,138.27 1,344.39 1,679.38 1,065.95 1,551.59 1,006.15 2,008.23 1,861.42 923.25 862.75 253.65 37,286.32

875.72 2.35 2.35 1,844.17 2.60 4.95 4,184.73 6.28 11.22 6,995.93 7.54 18.76 11,691.70 12.59 31.36 15,797.23 11.01 42.37 18,535.85 7.34 49.71 21,539.16 8.05 57.77 23,591.30 5.50 63.27 24,729.57 3.05 66.32 26,073.96 3.61 69.93 27,753.33 4.50 74.43 28,819.28 2.86 77.29 30,370.87 4.16 81.45 31,377.02 2.70 84.15 33,385.25 5.39 89.54 35,246.67 4.99 94.53 36,169.93 2.48 97.01 37,032.67 2.31 99.32 37,286.32 0.68 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 1 0 0 1 0 0 0 0 0 0 0 2

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 50.00 50.00 1 0.00 50.00 1 0.00 50.00 2 50.00 100.00 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

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 22.68 0.00 0.00 119.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 142.42

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 22.68 15.93 22.68 0.00 22.68 0.00 142.42 84.07 142.42 0.00 142.42 0.00 142.42 0.00 142.42 0.00 142.42 0.00 142.42 0.00 142.42 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.93 15.93 15.93 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.99 0.00 0.00 11.23 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 0.00 0.00 0.09 0.09 0.08 0.49 0.47 0.45 0.43 0.40 0.39 0.38 0.38

0.38

Page 192 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 21 - SULAWESI TENGGARA

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 433 643 789 514 572 314 178 163 58 20 16 29 9 14 9 7 8 3 0 0 3,779

433 1,076 1,865 2,379 2,951 3,265 3,443 3,606 3,664 3,684 3,700 3,729 3,738 3,752 3,761 3,768 3,776 3,779 3,779 3,779

11.46 17.02 20.88 13.60 15.14 8.31 4.71 4.31 1.53 0.53 0.42 0.77 0.24 0.37 0.24 0.19 0.21 0.08 0.00 0.00

11.46 28.47 49.35 62.95 78.09 86.40 91.11 95.42 96.96 97.49 97.91 98.68 98.92 99.29 99.52 99.71 99.92 100.00 100.00 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 99.93 119.67 288.00 352.70 783.22 729.74 510.70 611.48 250.79 116.49 114.58 188.42 87.66 225.92 70.37 90.39 142.87 23.12 0.00 0.00 4,806.06

99.93 219.60 507.60 860.30 1,643.53 2,373.27 2,883.97 3,495.45 3,746.23 3,862.72 3,977.30 4,165.72 4,253.39 4,479.31 4,549.68 4,640.07 4,782.94 4,806.06 4,806.06 4,806.06

2.08 2.08 2.49 4.57 5.99 10.56 7.34 17.90 16.30 34.20 15.18 49.38 10.63 60.01 12.72 72.73 5.22 77.95 2.42 80.37 2.38 82.76 3.92 86.68 1.82 88.50 4.70 93.20 1.46 94.67 1.88 96.55 2.97 99.52 0.48 100.00 0.00 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 193 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 22 - BALI

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,701 2,663 2,939 2,136 2,583 1,540 1,474 1,187 749 457 317 505 237 283 208 295 175 70 67 60 20,646

DATA POSITION FROM

2,701 5,364 8,303 10,439 13,022 14,562 16,036 17,223 17,972 18,429 18,746 19,251 19,488 19,771 19,979 20,274 20,449 20,519 20,586 20,646

13.08 12.90 14.24 10.35 12.51 7.46 7.14 5.75 3.63 2.21 1.54 2.45 1.15 1.37 1.01 1.43 0.85 0.34 0.32 0.29

13.08 25.98 40.22 50.56 63.07 70.53 77.67 83.42 87.05 89.26 90.80 93.24 94.39 95.76 96.77 98.20 99.05 99.38 99.71 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,346.45 401.33 866.32 1,119.72 2,177.97 2,006.85 4,890.16 2,786.23 2,261.13 1,618.38 1,338.89 2,395.74 1,370.02 2,077.42 1,920.32 3,057.29 2,297.16 968.84 1,620.86 792.90 37,314.00

1,346.45 3.61 3.61 1,747.78 1.08 4.68 2,614.11 2.32 7.01 3,733.82 3.00 10.01 5,911.80 5.84 15.84 7,918.65 5.38 21.22 12,808.81 13.11 34.33 15,595.04 7.47 41.79 17,856.17 6.06 47.85 19,474.55 4.34 52.19 20,813.44 3.59 55.78 23,209.18 6.42 62.20 24,579.20 3.67 65.87 26,656.62 5.57 71.44 28,576.94 5.15 76.59 31,634.23 8.19 84.78 33,931.39 6.16 90.93 34,900.23 2.60 93.53 36,521.09 4.34 97.88 37,314.00 2.12 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 0 0 0 0 1 0 0 2 0 0 1 0 0 2 0 0 0 8

2 2 2 2 2 2 2 3 3 3 5 5 5 6 6 6 8 8 8 8

25.00 0.00 0.00 0.00 0.00 0.00 0.00 12.50 0.00 0.00 25.00 0.00 0.00 12.50 0.00 0.00 25.00 0.00 0.00 0.00

25.00 25.00 25.00 25.00 25.00 25.00 25.00 37.50 37.50 37.50 62.50 62.50 62.50 75.00 75.00 75.00 100.00 100.00 100.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 160.25 0.00 0.00 0.00 0.00 0.00 0.00 71.50 0.00 0.00 10.00 0.00 0.00 502.81 0.00 0.00 90.54 0.00 0.00 0.00 835.11

160.25 19.19 160.25 0.00 160.25 0.00 160.25 0.00 160.25 0.00 160.25 0.00 160.25 0.00 231.75 8.56 231.75 0.00 231.75 0.00 241.75 1.20 241.75 0.00 241.75 0.00 744.57 60.21 744.57 0.00 744.57 0.00 835.11 10.84 835.11 0.00 835.11 0.00 835.11 0.00

19.19 19.19 19.19 19.19 19.19 19.19 19.19 27.75 27.75 27.75 28.95 28.95 28.95 89.16 89.16 89.16 100.00 100.00 100.00 100.00

11.90 0.00 0.00 0.00 0.00 0.00 0.00 2.57 0.00 0.00 0.75 0.00 0.00 24.20 0.00 0.00 3.94 0.00 0.00 0.00

11.90 9.17 6.13 4.29 2.71 2.02 1.25 1.49 1.30 1.19 1.16 1.04 0.98 2.79 2.61 2.35 2.46 2.39 2.29 2.24

2.24

Page 194 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 23 - NUSA TENGGARA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,281 1,178 1,339 677 680 365 277 198 78 80 46 62 50 44 12 33 20 15 7 1 6,443

1,281 2,459 3,798 4,475 5,155 5,520 5,797 5,995 6,073 6,153 6,199 6,261 6,311 6,355 6,367 6,400 6,420 6,435 6,442 6,443

19.88 18.28 20.78 10.51 10.55 5.67 4.30 3.07 1.21 1.24 0.71 0.96 0.78 0.68 0.19 0.51 0.31 0.23 0.11 0.02

19.88 38.17 58.95 69.46 80.01 85.67 89.97 93.05 94.26 95.50 96.21 97.18 97.95 98.63 98.82 99.33 99.64 99.88 99.98 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 196.10 224.95 577.38 536.30 771.92 620.48 462.14 596.41 325.15 321.69 222.61 372.19 278.94 470.40 83.90 968.83 219.20 156.63 77.14 184.41 7,666.77

196.10 2.56 2.56 421.05 2.93 5.49 998.43 7.53 13.02 1,534.73 7.00 20.02 2,306.65 10.07 30.09 2,927.14 8.09 38.18 3,389.27 6.03 44.21 3,985.68 7.78 51.99 4,310.83 4.24 56.23 4,632.52 4.20 60.42 4,855.13 2.90 63.33 5,227.33 4.85 68.18 5,506.27 3.64 71.82 5,976.67 6.14 77.96 6,060.57 1.09 79.05 7,029.40 12.64 91.69 7,248.60 2.86 94.55 7,405.22 2.04 96.59 7,482.36 1.01 97.59 7,666.77 2.41 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 13 0 0 0 0 13

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 13 100.0 100.00 13 0.00 100.00 13 0.00 100.00 13 0.00 100.00 13 0.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 72.52 0.00 0.00 0.00 0.00 72.52

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 72.52 100.0 72.52 0.00 72.52 0.00 72.52 0.00 72.52 0.00

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.49 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 1.03 1.00 0.98 0.97 0.95

0.95

Page 195 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 24 - NUSA TENGGARA TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 607 999 980 563 669 383 298 217 133 58 51 45 27 23 15 30 16 1 1 1 5,117

607 1,606 2,586 3,149 3,818 4,201 4,499 4,716 4,849 4,907 4,958 5,003 5,030 5,053 5,068 5,098 5,114 5,115 5,116 5,117

11.86 19.52 19.15 11.00 13.07 7.48 5.82 4.24 2.60 1.13 1.00 0.88 0.53 0.45 0.29 0.59 0.31 0.02 0.02 0.02

11.86 31.39 50.54 61.54 74.61 82.10 87.92 92.16 94.76 95.90 96.89 97.77 98.30 98.75 99.04 99.63 99.94 99.96 99.98 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 79.80 198.18 451.76 460.91 988.53 862.47 878.64 908.76 615.21 308.46 310.38 314.47 200.43 256.66 81.85 324.47 189.76 10.76 14.00 24.28 7,479.80

79.80 277.98 729.74 1,190.65 2,179.18 3,041.65 3,920.30 4,829.06 5,444.27 5,752.73 6,063.10 6,377.58 6,578.01 6,834.67 6,916.52 7,240.99 7,430.76 7,441.52 7,455.52 7,479.80

1.07 1.07 2.65 3.72 6.04 9.76 6.16 15.92 13.22 29.13 11.53 40.66 11.75 52.41 12.15 64.56 8.22 72.79 4.12 76.91 4.15 81.06 4.20 85.26 2.68 87.94 3.43 91.38 1.09 92.47 4.34 96.81 2.54 99.34 0.14 99.49 0.19 99.68 0.32 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 196 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 25 - MALUKU

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 224 264 270 187 195 115 111 95 54 23 17 17 20 17 11 19 5 2 10 0

1,656

224 488 758 945 1,140 1,255 1,366 1,461 1,515 1,538 1,555 1,572 1,592 1,609 1,620 1,639 1,644 1,646 1,656 1,656

DATA POSITION FROM

13.53 15.94 16.30 11.29 11.78 6.94 6.70 5.74 3.26 1.39 1.03 1.03 1.21 1.03 0.66 1.15 0.30 0.12 0.60 0.00

13.53 29.47 45.77 57.07 68.84 75.79 82.49 88.22 91.49 92.87 93.90 94.93 96.14 97.16 97.83 98.97 99.28 99.40 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 88.26 60.25 139.63 147.40 298.30 279.23 354.96 369.51 305.65 131.14 128.67 179.10 166.52 198.61 76.60 325.33 49.06 20.85 120.35 0.00 3,439.42

88.26 2.57 2.57 148.51 1.75 4.32 288.14 4.06 8.38 435.54 4.29 12.66 733.84 8.67 21.34 1,013.07 8.12 29.45 1,368.03 10.32 39.78 1,737.54 10.74 50.52 2,043.19 8.89 59.41 2,174.32 3.81 63.22 2,303.00 3.74 66.96 2,482.10 5.21 72.17 2,648.62 4.84 77.01 2,847.22 5.77 82.78 2,923.82 2.23 85.01 3,249.15 9.46 94.47 3,298.21 1.43 95.89 3,319.06 0.61 96.50 3,439.42 3.50 100.00 3,439.42 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 1

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 1 100.0 100.00 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

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 1,752.27 0.00 0.00 0.00 0.00 0.00 1,752.27

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,752.27 100.0 1,752.27 0.00 1,752.27 0.00 1,752.27 0.00 1,752.27 0.00 1,752.27 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 2287.7 100.00 0.00 100.00 0.00 100.00 0.00 100.00 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 59.93 53.93 53.13 52.79 50.95 50.95

50.95

Page 197 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 26 - IRIAN JAYA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 593 650 866 668 829 475 360 272 165 108 62 82 49 63 32 45 29 5 11 0 5,364

593 1,243 2,109 2,777 3,606 4,081 4,441 4,713 4,878 4,986 5,048 5,130 5,179 5,242 5,274 5,319 5,348 5,353 5,364 5,364

DATA POSITION FROM

11.06 12.12 16.14 12.45 15.45 8.86 6.71 5.07 3.08 2.01 1.16 1.53 0.91 1.17 0.60 0.84 0.54 0.09 0.21 0.00

11.06 23.17 39.32 51.77 67.23 76.08 82.79 87.86 90.94 92.95 94.11 95.64 96.55 97.73 98.32 99.16 99.70 99.79 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 129.25 203.37 413.68 623.67 1,103.66 1,082.50 1,140.19 1,232.30 998.98 835.80 540.81 701.61 483.96 776.52 366.62 611.30 490.33 177.50 728.76 0.00 12,640.81

129.25 332.62 746.29 1,369.96 2,473.62 3,556.12 4,696.31 5,928.61 6,927.59 7,763.39 8,304.20 9,005.82 9,489.78 10,266.30 10,632.92 11,244.22 11,734.55 11,912.04 12,640.81 12,640.81

1.02 1.02 1.61 2.63 3.27 5.90 4.93 10.84 8.73 19.57 8.56 28.13 9.02 37.15 9.75 46.90 7.90 54.80 6.61 61.42 4.28 65.69 5.55 71.24 3.83 75.07 6.14 81.22 2.90 84.12 4.84 88.95 3.88 92.83 1.40 94.23 5.77 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1

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 1 100.0 100.00 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

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 210.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 210.75

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 210.75 100.0 210.75 0.00 210.75 0.00 210.75 0.00 210.75 0.00 210.75 0.00 210.75 0.00 210.75 0.00 210.75 0.00 210.75 0.00 210.75 0.00 210.75 0.00 210.75 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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.55 3.04 2.71 2.54 2.34 2.22 2.05 1.98 1.87 1.80 1.77 1.67 1.67

1.67

Page 198 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 27 - MALUKU UTARA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 109 114 190 114 123 94 72 71 49 23 12 15 20 17 2 1 1 1 0 0 1,028

109 223 413 527 650 744 816 887 936 959 971 986 1,006 1,023 1,025 1,026 1,027 1,028 1,028 1,028

10.60 11.09 18.48 11.09 11.96 9.14 7.00 6.91 4.77 2.24 1.17 1.46 1.95 1.65 0.19 0.10 0.10 0.10 0.00 0.00

DATA POSITION FROM

10.60 21.69 40.18 51.26 63.23 72.37 79.38 86.28 91.05 93.29 94.46 95.91 97.86 99.51 99.71 99.81 99.90 100.00 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 55.74 22.15 96.33 83.71 184.41 199.02 380.24 399.11 341.54 183.35 122.18 178.63 207.58 220.09 44.80 69.56 27.00 0.00 0.00 0.00 2,815.45

55.74 1.98 1.98 77.89 0.79 2.77 174.22 3.42 6.19 257.93 2.97 9.16 442.35 6.55 15.71 641.37 7.07 22.78 1,021.61 13.51 36.29 1,420.72 14.18 50.46 1,762.26 12.13 62.59 1,945.61 6.51 69.10 2,067.79 4.34 73.44 2,246.42 6.34 79.79 2,453.99 7.37 87.16 2,674.09 7.82 94.98 2,718.88 1.59 96.57 2,788.44 2.47 99.04 2,815.44 0.96 100.00 2,815.45 0.00 100.00 2,815.45 0.00 100.00 2,815.45 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 199 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 28 - IRIAN JAYA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 241 293 483 262 264 171 149 85 62 34 25 23 18 18 12 19 10 4 0 0 2,173

241 534 1,017 1,279 1,543 1,714 1,863 1,948 2,010 2,044 2,069 2,092 2,110 2,128 2,140 2,159 2,169 2,173 2,173 2,173

11.09 13.48 22.23 12.06 12.15 7.87 6.86 3.91 2.85 1.56 1.15 1.06 0.83 0.83 0.55 0.87 0.46 0.18 0.00 0.00

DATA POSITION FROM

11.09 24.57 46.80 58.86 71.01 78.88 85.73 89.65 92.50 94.06 95.21 96.27 97.10 97.93 98.48 99.36 99.82 100.00 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 15.11 53.29 152.71 153.36 304.77 393.58 467.04 341.90 332.47 241.23 231.57 234.41 137.39 245.02 228.59 342.06 186.65 65.05 0.00 0.00 4,126.19

15.11 0.37 0.37 68.40 1.29 1.66 221.11 3.70 5.36 374.46 3.72 9.08 679.23 7.39 16.46 1,072.81 9.54 26.00 1,539.85 11.32 37.32 1,881.75 8.29 45.60 2,214.22 8.06 53.66 2,455.45 5.85 59.51 2,687.02 5.61 65.12 2,921.43 5.68 70.80 3,058.82 3.33 74.13 3,303.84 5.94 80.07 3,532.44 5.54 85.61 3,874.49 8.29 93.90 4,061.15 4.52 98.42 4,126.19 1.58 100.00 4,126.19 0.00 100.00 4,126.19 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 200 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 29 - BANTEN

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,227 4,905 7,560 5,254 6,172 2,992 2,023 1,668 975 601 521 711 486 644 488 722 692 287 350 145 42,423

5,227 10,132 17,692 22,946 29,118 32,110 34,133 35,801 36,776 37,377 37,898 38,609 39,095 39,739 40,227 40,949 41,641 41,928 42,278 42,423

DATA POSITION FROM

12.32 11.56 17.82 12.38 14.55 7.05 4.77 3.93 2.30 1.42 1.23 1.68 1.15 1.52 1.15 1.70 1.63 0.68 0.83 0.34

12.32 23.88 41.70 54.09 68.64 75.69 80.46 84.39 86.69 88.11 89.33 91.01 92.16 93.67 94.82 96.53 98.16 98.83 99.66 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,892.83 971.77 2,205.27 2,293.08 4,375.82 3,196.27 3,140.27 3,738.87 3,335.04 2,191.89 2,324.22 3,614.94 3,063.89 5,192.40 5,059.72 10,268.27 12,105.66 4,044.06 4,189.22 1,357.28 81,560.78

4,892.83 6.00 6.00 5,864.60 1.19 7.19 8,069.87 2.70 9.89 10,362.96 2.81 12.71 14,738.78 5.37 18.07 17,935.06 3.92 21.99 21,075.33 3.85 25.84 24,814.20 4.58 30.42 28,149.24 4.09 34.51 30,341.13 2.69 37.20 32,665.35 2.85 40.05 36,280.29 4.43 44.48 39,344.18 3.76 48.24 44,536.58 6.37 54.61 49,596.30 6.20 60.81 59,864.57 12.59 73.40 71,970.23 14.84 88.24 76,014.29 4.96 93.20 80,203.50 5.14 98.34 81,560.78 1.66 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 0 1 1 2 5 0 0 0 4 0 1 1 1 5 3 3 5 34

2 2 2 2 3 4 6 11 11 11 11 15 15 16 17 18 23 26 29 34

5.88 5.88 0.00 5.88 0.00 5.88 0.00 5.88 2.94 8.82 2.94 11.76 5.88 17.65 14.71 32.35 0.00 32.35 0.00 32.35 0.00 32.35 11.76 44.12 0.00 44.12 2.94 47.06 2.94 50.00 2.94 52.94 14.71 67.65 8.82 76.47 8.82 85.29 14.71 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 12.82 0.00 0.00 0.00 1.14 413.39 5.13 518.59 0.00 0.00 0.00 214.38 0.00 0.78 16.82 0.00 208.36 59.55 7,754.84 5,993.44 15,199.24

12.82 0.08 12.82 0.00 12.82 0.00 12.82 0.00 13.96 0.01 427.35 2.72 432.48 0.03 951.07 3.41 951.07 0.00 951.07 0.00 951.07 0.00 1,165.46 1.41 1,165.46 0.00 1,166.24 0.01 1,183.06 0.11 1,183.06 0.00 1,391.42 1.37 1,450.96 0.39 9,205.80 51.02 15,199.24 39.43

0.08 0.26 0.08 0.00 0.08 0.00 0.08 0.00 0.09 0.03 2.81 12.93 2.85 0.16 6.26 13.87 6.26 0.00 6.26 0.00 6.26 0.00 7.67 5.93 7.67 0.00 7.67 0.02 7.78 0.33 7.78 0.00 9.15 1.72 9.55 1.47 60.57 185.11 100.00 441.58

0.26 0.22 0.16 0.12 0.09 2.38 2.05 3.83 3.38 3.13 2.91 3.21 2.96 2.62 2.39 1.98 1.93 1.91 11.48 18.64

18.64

Page 201 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 30 - BANGKA BELITUNG

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 244 320 420 270 354 184 140 103 72 25 23 20 22 19 18 14 5 3 13 1 2,270

244 564 984 1,254 1,608 1,792 1,932 2,035 2,107 2,132 2,155 2,175 2,197 2,216 2,234 2,248 2,253 2,256 2,269 2,270

10.75 14.10 18.50 11.89 15.59 8.11 6.17 4.54 3.17 1.10 1.01 0.88 0.97 0.84 0.79 0.62 0.22 0.13 0.57 0.04

DATA POSITION FROM

10.75 24.85 43.35 55.24 70.84 78.94 85.11 89.65 92.82 93.92 94.93 95.81 96.78 97.62 98.41 99.03 99.25 99.38 99.96 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 319.39 65.44 171.11 178.34 342.47 273.56 329.33 322.50 251.32 93.27 124.42 133.35 149.83 185.70 140.69 153.15 480.10 48.50 96.24 171.46 4,030.18

319.39 7.93 7.93 384.84 1.62 9.55 555.95 4.25 13.79 734.29 4.43 18.22 1,076.76 8.50 26.72 1,350.33 6.79 33.51 1,679.66 8.17 41.68 2,002.16 8.00 49.68 2,253.47 6.24 55.91 2,346.74 2.31 58.23 2,471.16 3.09 61.32 2,604.52 3.31 64.63 2,754.35 3.72 68.34 2,940.05 4.61 72.95 3,080.73 3.49 76.44 3,233.88 3.80 80.24 3,713.99 11.91 92.15 3,762.49 1.20 93.36 3,858.72 2.39 95.75 4,030.18 4.25 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 202 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 31 - GORONTALO

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 275 333 425 281 270 204 103 92 52 33 25 21 13 21 13 7 3 2 0 0 2,173

275 608 1,033 1,314 1,584 1,788 1,891 1,983 2,035 2,068 2,093 2,114 2,127 2,148 2,161 2,168 2,171 2,173 2,173 2,173

12.66 15.32 19.56 12.93 12.43 9.39 4.74 4.23 2.39 1.52 1.15 0.97 0.60 0.97 0.60 0.32 0.14 0.09 0.00 0.00

DATA POSITION FROM

12.66 27.98 47.54 60.47 72.89 82.28 87.02 91.26 93.65 95.17 96.32 97.28 97.88 98.85 99.45 99.77 99.91 100.00 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 95.72 100.54 160.43 150.07 243.03 319.78 275.43 309.76 276.81 146.39 146.43 199.41 166.11 206.91 134.73 156.30 101.14 11.09 0.00 0.00 3,200.09

95.72 196.26 356.69 506.76 749.79 1,069.57 1,345.00 1,654.77 1,931.58 2,077.97 2,224.40 2,423.81 2,589.92 2,796.83 2,931.57 3,087.87 3,189.01 3,200.09 3,200.09 3,200.09

2.99 2.99 3.14 6.13 5.01 11.15 4.69 15.84 7.59 23.43 9.99 33.42 8.61 42.03 9.68 51.71 8.65 60.36 4.57 64.93 4.58 69.51 6.23 75.74 5.19 80.93 6.47 87.40 4.21 91.61 4.88 96.49 3.16 99.65 0.35 100.00 0.00 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 203 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 32 - KEPULAUAN RIAU

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,455 2,074 3,307 2,306 2,409 1,037 647 489 231 140 111 138 80 106 99 132 114 54 95 33 15,057

1,455 3,529 6,836 9,142 11,551 12,588 13,235 13,724 13,955 14,095 14,206 14,344 14,424 14,530 14,629 14,761 14,875 14,929 15,024 15,057

9.66 13.77 21.96 15.32 16.00 6.89 4.30 3.25 1.53 0.93 0.74 0.92 0.53 0.70 0.66 0.88 0.76 0.36 0.63 0.22

DATA POSITION FROM

9.66 23.44 45.40 60.72 76.72 83.60 87.90 91.15 92.68 93.61 94.35 95.26 95.80 96.50 97.16 98.03 98.79 99.15 99.78 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,013.03 362.36 916.71 1,343.55 2,991.82 2,010.38 1,373.22 1,917.24 1,006.12 1,138.78 2,101.41 755.69 775.99 964.32 954.74 1,610.43 2,017.90 1,195.41 3,900.03 35,057.15 63,406.28

1,013.03 1.60 1.60 1,375.39 0.57 2.17 2,292.10 1.45 3.61 3,635.66 2.12 5.73 6,627.48 4.72 10.45 8,637.86 3.17 13.62 10,011.08 2.17 15.79 11,928.31 3.02 18.81 12,934.43 1.59 20.40 14,073.21 1.80 22.20 16,174.62 3.31 25.51 16,930.31 1.19 26.70 17,706.30 1.22 27.93 18,670.62 1.52 29.45 19,625.35 1.51 30.95 21,235.78 2.54 33.49 23,253.68 3.18 36.67 24,449.09 1.89 38.56 28,349.12 6.15 44.71 63,406.28 55.29 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 1 0 0 0 0 0 0 1 0 0 2 0 0 0 0 0 4

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 1 25.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 2 25.00 50.00 2 0.00 50.00 2 0.00 50.00 4 50.00 100.00 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

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 3.00 0.00 0.00 0.00 0.00 0.00 0.00 0.49 0.00 0.00 10.00 0.00 0.00 0.00 0.00 0.00 13.49

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.00 22.24 3.00 0.00 3.00 0.00 3.00 0.00 3.00 0.00 3.00 0.00 3.00 0.00 3.49 3.62 3.49 0.00 3.49 0.00 13.49 74.14 13.49 0.00 13.49 0.00 13.49 0.00 13.49 0.00 13.49 0.00

0.00 0.00 0.00 0.00 22.24 22.24 22.24 22.24 22.24 22.24 22.24 25.86 25.86 25.86 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.10 0.00 0.00 0.00 0.00 0.00 0.00 0.06 0.00 0.00 1.05 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.05 0.03 0.03 0.03 0.02 0.02 0.02 0.02 0.02 0.02 0.07 0.06 0.06 0.06 0.05 0.02

0.02

Page 204 of 204

GRAFIK

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 Phone No.: 3920101 Ext.3163/3164 Fax No.: 3911432

Growth Of Policy From 2006-2009

1,000,000

950,000

900,000

850,000

800,000

750,000

700,000

650,000

Number of policy

600,000

550,000

UY 2006 UY 2007

500,000

UY 2008 UY 2009

450,000

400,000

350,000

300,000

250,000

200,000

150,000

100,000 50,000

0 20

Occupation code

1 # 10

Growth Of Premium From 2006-2009

1,200,000.00

1,100,000.00

1,000,000.00

900,000.00 UY 2006

Premium ( in million Rp)

UY 2007

800,000.00

UY 2008 UY 2009

700,000.00

600,000.00

500,000.00

400,000.00

300,000.00

200,000.00

100,000.00

0.00 20

Occupation Code

2 # 10

Growth of Number Claim From 2006-2009

5,500

5,000

4,500

4,000

UY 2006 UY 2007 3,500

UY 2008

Number of Claim

UY 2009

3,000

2,500

2,000

1,500

1,000

500

Occupation Code

3 # 10

Growth Of Claim From 2006-2009

1,400,000.00

1,200,000.00

1,000,000.00

UY 2006 UY 2007

Claim Incurred ( in million

rupiah )

UY 2008 UY 2009

800,000.00

600,000.00

400,000.00

200,000.00

0.00 20

Occupation Code

4 # 10

Growth of Loss Ratio From 2006-2009

4,500

4,000

3,500

3,000

% Ratio

2,500

UY 2006

2,000

UY 2007 UY 2008 UY 2009

1,500

1,000

500

0 20

Occupation Code

5 # 10

Growth Of Policy From 2006-2009

225,000

200,000

175,000

150,000 UY 2006 UY 2007

Number of policy

125,000

UY 2008 100,000

UY 2009

75,000

50,000

25,000

0 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Province code

6 # 10

Growth Of Premium From 2006-2009

800,000.00

700,000.00

Premium

( in million Rp)

600,000.00

500,000.00 UY 2006 UY 2007

400,000.00

UY 2008 UY 2009

300,000.00

200,000.00

100,000.00

0.00 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 Province Code

7 # 10

Growth of Number Claim From 2006-2009

4,000

3,500

3,000 UY 2006 2,500

Number of Claim

UY 2007 UY 2008 2,000 UY 2009 1,500

1,000

500

0 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Province Code 25 26 27 28

8 # 10

Growth Of Claim From 2006-2009

1,200,000.00

1,000,000.00

Claim Incurred ( in million rupiah )

UY 2006 800,000.00

UY 2007 UY 2008 UY 2009

600,000.00

400,000.00

200,000.00

0.00 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 Province Code 28 29 30

9 # 10

Growth of Loss Ratio From 2006-2009

500

UY 2006 UY 2007

400

UY 2008 UY 2009

% Ratio

300

200

100

0 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28

Province Code

10 # 10

RISK AND LOSS PROFILE FOR OCCUPATION CODE :

22111 2532 29341 2971 2976

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

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 22111 - Mechanical Engineering & Apparatus construction

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

( excl. electrical) metal goods factories ... NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 129 37 74 49 107 107 88 102 84 58 48 68 72 73 75 153 133 108 98 14 1,677

129 166 240 289 396 503 591 693 777 835 883 951 1,023 1,096 1,171 1,324 1,457 1,565 1,663 1,677

7.69 2.21 4.41 2.92 6.38 6.38 5.25 6.08 5.01 3.46 2.86 4.05 4.29 4.35 4.47 9.12 7.93 6.44 5.84 0.83

7.69 9.90 14.31 17.23 23.61 29.99 35.24 41.32 46.33 49.79 52.65 56.71 61.00 65.35 69.83 78.95 86.88 93.32 99.17 100.00

774.54 10.06 23.24 21.73 69.62 80.41 102.37 147.79 188.04 154.12 207.78 225.45 303.54 481.59 575.89 1,538.42 1,659.37 1,459.74 1,111.88 170.77 9,306.35

774.54 784.60 807.84 829.56 899.18 979.60 1,081.97 1,229.76 1,417.80 1,571.92 1,779.70 2,005.15 2,308.69 2,790.27 3,366.17 4,904.59 6,563.96 8,023.70 9,135.58 9,306.35

8.32 8.32 0.11 8.43 0.25 8.68 0.23 8.91 0.75 9.66 0.86 10.53 1.10 11.63 1.59 13.21 2.02 15.23 1.66 16.89 2.23 19.12 2.42 21.55 3.26 24.81 5.17 29.98 6.19 36.17 16.53 52.70 17.83 70.53 15.69 86.22 11.95 98.17 1.83 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 0 0 0 0 0 1 2 0 2 0 2 3 5 1 10 11 6 18 2 69

6 8.70 6 0.00 6 0.00 6 0.00 6 0.00 6 0.00 7 1.45 9 2.90 9 0.00 11 2.90 11 0.00 13 2.90 16 4.35 21 7.25 22 1.45 32 14.49 43 15.94 49 8.70 67 26.09 69 2.90

8.70 8.70 8.70 8.70 8.70 8.70 10.1 13.0 13.0 15.9 15.9 18.8 23.1 30.4 31.8 46.3 62.3 71.0 97.1 100.

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 526.73 0.00 0.00 0.00 0.00 0.00 0.60 130.79 0.00 5.87 0.00 51.67 320.18 157.05 3.26 2,084.09 2,006.10 23,221.88 49,375.86 16.53 77,900.60

526.73 0.68 526.73 0.00 526.73 0.00 526.73 0.00 526.73 0.00 526.73 0.00 527.33 0.00 658.12 0.17 658.12 0.00 663.99 0.01 663.99 0.00 715.66 0.07 1,035.84 0.41 1,192.88 0.20 1,196.14 0.00 3,280.23 2.68 5,286.33 2.58 28,508.20 29.81 77,884.07 63.38 77,900.60 0.02

0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.84 0.84 0.85 0.85 0.92 1.33 1.53 1.54 4.21 6.79 36.60 99.98 100.00

68.01 68.01 0.00 67.13 0.00 65.20 0.00 63.49 0.00 58.58 0.00 53.77 0.59 48.74 88.50 53.52 0.00 46.42 3.81 42.24 0.00 37.31 22.92 35.69 105.48 44.87 32.61 42.75 0.57 35.53 135.47 66.88 120.89 80.54 1590.8 355.30 4440.7 852.54 9.68 837.07 837.07

Page 01 of 20

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 2532 - Other printers, art printing works,lithograp

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

Screen printing on paper (sablon) NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 420 406 601 424 589 410 304 327 220 137 122 132 100 113 60 91 71 15 20 1 4,563

420 9.20 826 8.90 1,427 13.17 1,851 9.29 2,440 12.91 2,850 8.99 3,154 6.66 3,481 7.17 3,701 4.82 3,838 3.00 3,960 2.67 4,092 2.89 4,192 2.19 4,305 2.48 4,365 1.31 4,456 1.99 4,527 1.56 4,542 0.33 4,562 0.44 4,563 0.02

9.20 18.10 31.27 40.57 53.47 62.46 69.12 76.29 81.11 84.11 86.79 89.68 91.87 94.35 95.66 97.66 99.21 99.54 99.98 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,456.34 129.34 356.67 396.65 890.41 765.62 777.49 1,113.90 1,035.02 714.55 773.42 1,104.24 877.14 1,354.89 1,057.69 1,439.48 733.07 246.30 207.87 23.87 15,453.97

1,456.34 1,585.67 1,942.35 2,339.00 3,229.41 3,995.03 4,772.52 5,886.42 6,921.45 7,636.00 8,409.42 9,513.66 10,390.80 11,745.70 12,803.38 14,242.86 14,975.93 15,222.23 15,430.10 15,453.97

9.42 9.42 0.84 10.26 2.31 12.57 2.57 15.14 5.76 20.90 4.95 25.85 5.03 30.88 7.21 38.09 6.70 44.79 4.62 49.41 5.00 54.42 7.15 61.56 5.68 67.24 8.77 76.00 6.84 82.85 9.31 92.16 4.74 96.91 1.59 98.50 1.35 99.85 0.15 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 11 2 0 2 5 4 2 2 2 5 5 3 4 7 5 6 5 1 2 0 73

11 15.07 13 2.74 13 0.00 15 2.74 20 6.85 24 5.48 26 2.74 28 2.74 30 2.74 35 6.85 40 6.85 43 4.11 47 5.48 54 9.59 59 6.85 65 8.22 70 6.85 71 1.37 73 2.74 73 0.00

15.0 17.8 17.8 20.5 27.4 32.8 35.6 38.3 41.1 47.9 54.7 58.9 64.3 73.9 80.8 89.0 95.8 97.2 100. 100.

01/01/2006

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,680.31 10.19 0.00 1,099.73 1,144.05 103.23 277.49 11.26 390.53 246.21 11,680.73 267.37 733.59 1,383.15 2,783.26 2,498.86 16,782.55 5,151.27 1,292.65 0.00 48,536.41

2,680.31 5.52 2,690.50 0.02 2,690.50 0.00 3,790.22 2.27 4,934.27 2.36 5,037.50 0.21 5,314.99 0.57 5,326.25 0.02 5,716.78 0.80 5,963.00 0.51 17,643.72 24.07 17,911.09 0.55 18,644.68 1.51 20,027.84 2.85 22,811.09 5.73 25,309.95 5.15 42,092.50 34.58 47,243.76 10.61 48,536.41 2.66 48,536.41 0.00

5.52 5.54 5.54 7.81 10.17 10.38 10.95 10.97 11.78 12.29 36.35 36.90 38.41 41.26 47.00 52.15 86.72 97.34 100.00 100.00

184.04 7.88 0.00 277.25 128.49 13.48 35.69 1.01 37.73 34.46 1510.2 24.21 83.63 102.09 263.15 173.59 2289.3 2091.4 621.85 0.00

184.04 169.68 138.52 162.04 152.79 126.09 111.37 90.48 82.60 78.09 209.81 188.27 179.43 170.51 178.16 177.70 281.07 310.36 314.56 314.07

314.07

Page 02 of 20

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 29341 - Shops

BAND

DATA POSITION FROM PROCESSING

Subject to Warranty A NUMBER OF POLICIES SUM INSURED Mid Points PERCENTAGE (In Million) f F From To BAND CUM.

19,257 21,653 30,260 20,038 21,450 9,669 6,534 4,217 1,832 850 586 568 296 311 163 143 77 19 24 9 137,956

19,257 40,910 71,170 91,208 112,658 122,327 128,861 133,078 134,910 135,760 136,346 136,914 137,210 137,521 137,684 137,827 137,904 137,923 137,947 137,956

13.96 15.70 21.93 14.52 15.55 7.01 4.74 3.06 1.33 0.62 0.42 0.41 0.21 0.23 0.12 0.10 0.06 0.01 0.02 0.01

13.96 29.65 51.59 66.11 81.66 88.67 93.41 96.46 97.79 98.41 98.83 99.24 99.46 99.68 99.80 99.91 99.96 99.98 99.99 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 10,368.76 11,998.81 28,825.80 28,617.79 45,068.07 28,319.52 25,519.56 21,292.37 11,888.71 6,182.22 5,281.09 5,647.39 3,330.06 3,904.30 2,134.45 2,514.12 1,339.20 396.65 1,302.73 313.38 244,244.96

10,368.76 22,367.57 51,193.37 79,811.16 124,879.23 153,198.74 178,718.30 200,010.67 211,899.38 218,081.60 223,362.70 229,010.08 232,340.14 236,244.44 238,378.90 240,893.01 242,232.21 242,628.85 243,931.59 244,244.96

4.25 4.25 4.91 9.16 11.80 20.96 11.72 32.68 18.45 51.13 11.59 62.72 10.45 73.17 8.72 81.89 4.87 86.76 2.53 89.29 2.16 91.45 2.31 93.76 1.36 95.13 1.60 96.72 0.87 97.60 1.03 98.63 0.55 99.18 0.16 99.34 0.53 99.87 0.13 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 97 109 93 77 96 62 44 35 12 9 6 6 5 9 2 10 7 3 7 75 764

97 206 299 376 472 534 578 613 625 634 640 646 651 660 662 672 679 682 689 764

12.70 14.27 12.17 10.08 12.57 8.12 5.76 4.58 1.57 1.18 0.79 0.79 0.65 1.18 0.26 1.31 0.92 0.39 0.92 9.82

12.70 26.96 39.14 49.21 61.78 69.90 75.65 80.24 81.81 82.98 83.77 84.55 85.21 86.39 86.65 87.96 88.87 89.27 90.18 100.00

01/01/2006

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 11,957.2 4,445.51 5,560.44 5,779.99 9,658.00 8,371.76 12,386.9 8,584.26 391.21 815.72 492.98 314.87 48.27 1,206.77 27.08 333.26 12,739.7 12.50 6,253.81 1,935.96 91,316.3

11,957.28 16,402.79 21,963.23 27,743.22 37,401.21 45,772.98 58,159.88 66,744.14 67,135.35 67,951.07 68,444.06 68,758.93 68,807.20 70,013.97 70,041.04 70,374.30 83,114.03 83,126.53 89,380.34 91,316.30

13.09 4.87 6.09 6.33 10.58 9.17 13.56 9.40 0.43 0.89 0.54 0.34 0.05 1.32 0.03 0.36 13.95 0.01 6.85 2.12

13.09 17.96 24.05 30.38 40.96 50.13 63.69 73.09 73.52 74.41 74.95 75.30 75.35 76.67 76.70 77.07 91.02 91.03 97.88 100.00

LOSS RATIO PERCENTAGE BAND CUM 115.32 37.05 19.29 20.20 21.43 29.56 48.54 40.32 3.29 13.19 9.33 5.58 1.45 30.91 1.27 13.26 951.30 3.15 480.05 617.77

115.32 73.33 42.90 34.76 29.95 29.88 32.54 33.37 31.68 31.16 30.64 30.02 29.61 29.64 29.38 29.21 34.31 34.26 36.64 37.39

37.39

Page 03 of 20

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

DATA POSITION FROM

OCCUPATION CODE

: 2971 - Apartments / Condominium, offices,

PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Multi-storeyed car park

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,694 3,442 4,967 4,067 5,837 3,675 2,646 2,500 1,382 814 566 951 607 786 557 736 544 207 240 66 40,284

5,694 9,136 14,103 18,170 24,007 27,682 30,328 32,828 34,210 35,024 35,590 36,541 37,148 37,934 38,491 39,227 39,771 39,978 40,218 40,284

14.13 8.54 12.33 10.10 14.49 9.12 6.57 6.21 3.43 2.02 1.41 2.36 1.51 1.95 1.38 1.83 1.35 0.51 0.60 0.16

14.13 22.68 35.01 45.10 59.59 68.72 75.29 81.49 84.92 86.94 88.35 90.71 92.22 94.17 95.55 97.38 98.73 99.24 99.84 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,046.11 489.18 1,353.81 1,727.87 3,545.34 3,052.38 2,969.23 3,873.88 3,050.11 2,414.07 2,299.54 5,152.58 4,990.72 11,178.82 10,684.43 18,544.05 10,801.36 6,018.58 16,531.66 66,653.50 178,377.24

3,046.11 1.71 1.71 3,535.29 0.27 1.98 4,889.10 0.76 2.74 6,616.98 0.97 3.71 10,162.32 1.99 5.70 13,214.70 1.71 7.41 16,183.93 1.66 9.07 20,057.82 2.17 11.24 23,107.92 1.71 12.95 25,521.99 1.35 14.31 27,821.53 1.29 15.60 32,974.11 2.89 18.49 37,964.84 2.80 21.28 49,143.66 6.27 27.55 59,828.10 5.99 33.54 78,372.15 10.40 43.94 89,173.50 6.06 49.99 95,192.09 3.37 53.37 111,723.74 9.27 62.63 178,377.24 37.37 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 42 8 12 30 38 27 23 34 19 11 10 27 18 37 25 42 53 30 83 6 575

42 7.30 50 1.39 62 2.09 92 5.22 130 6.61 157 4.70 180 4.00 214 5.91 233 3.30 244 1.91 254 1.74 281 4.70 299 3.13 336 6.43 361 4.35 403 7.30 456 9.22 486 5.22 569 14.43 575 1.04

7.30 8.70 10.7 16.0 22.6 27.3 31.3 37.2 40.5 42.4 44.1 48.8 52.0 58.4 62.7 70.0 79.3 84.5 98.9 100.

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3,900.18 512.65 137.20 993.17 2,283.04 1,921.82 2,229.25 2,264.91 17,296.87 1,967.81 964.19 3,060.48 2,027.23 7,895.10 11,067.44 8,538.61 26,740.87 36,284.77 15,856.44 3,138.19 149,080.25

3,900.18 4,412.84 4,550.04 5,543.21 7,826.25 9,748.07 11,977.32 14,242.24 31,539.11 33,506.92 34,471.11 37,531.59 39,558.82 47,453.92 58,521.36 67,059.97 93,800.84 130,085.61 145,942.05 149,080.25

2.62 0.34 0.09 0.67 1.53 1.29 1.50 1.52 11.60 1.32 0.65 2.05 1.36 5.30 7.42 5.73 17.94 24.34 10.64 2.11

2.62 2.96 3.05 3.72 5.25 6.54 8.03 9.55 21.16 22.48 23.12 25.18 26.54 31.83 39.25 44.98 62.92 87.26 97.89 100.00

128.04 104.80 10.13 57.48 64.40 62.96 75.08 58.47 567.09 81.51 41.93 59.40 40.62 70.63 103.58 46.04 247.57 602.88 95.92 4.71

128.04 124.82 93.06 83.77 77.01 73.77 74.01 71.01 136.49 131.29 123.90 113.82 104.20 96.56 97.82 85.57 105.19 136.66 130.63 83.58

83.58

Page 04 of 20

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 2976 - DWELLING HOUSE

DATA POSITION FROM PROCESSING

01/01/2006

15/12/2009

DATE

15/03/2010

Not Classified as shop houses

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

1 0 50 25 94,509 2 50 100 75 94,659 3 100 200 150 101,133 4 200 300 250 53,564 5 300 500 400 51,121 6 500 750 625 21,974 7 750 1,000 875 14,239 9,146 8 1,000 1,500 1,250 4,223 9 1,500 2,000 1,750 2,018 10 2,000 2,500 2,250 1,441 11 2,500 3,000 2,750 1,343 12 3,000 4,000 3,500 791 13 4,000 5,000 4,500 750 14 5,000 7,500 6,250 359 15 7,500 10,000 8,750 463 16 10,000 20,000 15,000 293 17 20,000 50,000 35,000 152 18 50,000 100,000 75,000 198 19 100,000 500,000 300,000 52 20 500,000 Up TOTAL

452,428

94,509 189,16 290,30 343,86 394,98 416,96 431,19 440,34 444,56 446,58 448,02 449,37 450,16 450,91 451,27 451,73 452,02 452,17 452,37 452,42

20.89 20.92 22.35 11.84 11.30 4.86 3.15 2.02 0.93 0.45 0.32 0.30 0.17 0.17 0.08 0.10 0.06 0.03 0.04 0.01

20.89 41.81 64.17 76.00 87.30 92.16 95.31 97.33 98.26 98.71 99.03 99.32 99.50 99.66 99.74 99.85 99.91 99.94 99.99 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

7,446.78 11,362.12 18,033.69 13,928.46 19,476.48 12,561.38 11,552.76 10,350.43 6,845.49 4,268.37 3,270.68 3,913.44 3,574.24 3,734.69 2,064.87 4,530.73 3,643.84 1,726.31 4,166.95 31,549.14

119 120 250 255 353 193 156 108 60 27 18 13 22 18 13 19 14 11 46 12

178,000.84

7,446.78 4.18 4.18 18,808.90 6.38 10.57 36,842.59 10.13 20.70 50,771.05 7.82 28.52 70,247.52 10.94 39.46 82,808.91 7.06 46.52 94,361.67 6.49 53.01 104,712.10 5.81 58.83 111,557.59 3.85 62.67 115,825.96 2.40 65.07 119,096.64 1.84 66.91 123,010.08 2.20 69.11 126,584.32 2.01 71.11 130,319.01 2.10 73.21 132,383.88 1.16 74.37 136,914.60 2.55 76.92 140,558.45 2.05 78.97 142,284.75 0.97 79.93 146,451.70 2.34 82.28 178,000.84 17.72 100.00

1,82

119 239 489 744 1,09 1,29 1,44 1,55 1,61 1,64 1,65 1,67 1,69 1,71 1,72 1,74 1,75 1,76 1,81 1,82

6.51 6.51 6.57 13.08 13.68 26.77 13.96 40.72 19.32 60.04 10.56 70.61 8.54 79.15 5.91 85.06 3.28 88.34 1.48 89.82 0.99 90.80 0.71 91.52 1.20 92.72 0.99 93.71 0.71 94.42 1.04 95.46 0.77 96.22 0.60 96.83 2.52 99.34 0.66 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 4,061.52 3,848.24 8,069.95 18,318.02 13,817.41 8,109.63 7,709.35 5,586.70 5,348.83 1,730.52 2,938.33 803.68 1,551.39 1,706.72 950.71 666.06 282.73 9,671.69 10,147.90 70,382.02 175,701.38

4,061.52 2.31 7,909.76 2.19 15,979.70 4.59 34,297.73 10.43 48,115.14 7.86 56,224.77 4.62 63,934.11 4.39 69,520.82 3.18 74,869.64 3.04 76,600.17 0.98 79,538.49 1.67 80,342.17 0.46 81,893.56 0.88 83,600.28 0.97 84,550.99 0.54 85,217.05 0.38 85,499.78 0.16 95,171.47 5.50 105,319.37 5.78 175,701.38 40.06

2.31 4.50 9.09 19.52 27.38 32.00 36.39 39.57 42.61 43.60 45.27 45.73 46.61 47.58 48.12 48.50 48.66 54.17 59.94 100.00

54.54 33.87 44.75 131.52 70.94 64.56 66.73 53.98 78.14 40.54 89.84 20.54 43.40 45.70 46.04 14.70 7.76 560.25 243.53 223.09

54.54 42.05 43.37 67.55 68.49 67.90 67.75 66.39 67.11 66.13 66.78 65.31 64.69 64.15 63.87 62.24 60.83 66.89 71.91 98.71

98.71

Page 05 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 22111 - Mechanical Engineering & Apparatus construction

BAND

DATA POSITION FROM PROCESSING

( excl. electrical) metal goods factories ... NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) SUM INSURED Mid Points PERCENTAGE PERCENTAGE (In Million) f F rp RP From To BAND CUM. BAND CUM.

132 42 79 64 118 97 97 134 82 57 66 70 64 93 81 172 178 105 155 36 1,922

132 174 253 317 435 532 629 763 845 902 968 1,038 1,102 1,195 1,276 1,448 1,626 1,731 1,886 1,922

6.87 2.19 4.11 3.33 6.14 5.05 5.05 6.97 4.27 2.97 3.43 3.64 3.33 4.84 4.21 8.95 9.26 5.46 8.06 1.87

6.87 9.05 13.16 16.49 22.63 27.68 32.73 39.70 43.96 46.93 50.36 54.01 57.34 62.17 66.39 75.34 84.60 90.06 98.13 100.00

595.37 595.37 7.19 602.56 21.27 623.83 26.36 650.19 81.41 731.60 100.11 831.71 231.35 1,063.06 257.84 1,320.90 173.77 1,494.67 143.83 1,638.50 256.21 1,894.71 274.38 2,169.09 287.67 2,456.76 591.71 3,048.47 628.02 3,676.49 1,894.84 5,571.33 1,955.79 7,527.12 1,070.61 8,597.74 1,291.35 9,889.09 280.28 10,169.36 10,169.36

5.85 5.85 0.07 5.93 0.21 6.13 0.26 6.39 0.80 7.19 0.98 8.18 2.27 10.45 2.54 12.99 1.71 14.70 1.41 16.11 2.52 18.63 2.70 21.33 2.83 24.16 5.82 29.98 6.18 36.15 18.63 54.79 19.23 74.02 10.53 84.55 12.70 97.24 2.76 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 7 0 2 0 0 0 1 3 1 0 0 1 1 1 1 4 9 2 6 2 41

7 17.07 7 0.00 9 4.88 9 0.00 9 0.00 9 0.00 10 2.44 13 7.32 14 2.44 14 0.00 14 0.00 15 2.44 16 2.44 17 2.44 18 2.44 22 9.76 31 21.95 33 4.88 39 14.63 41 4.88

17.07 17.07 21.95 21.95 21.95 21.95 24.39 31.71 34.15 34.15 34.15 36.59 39.02 41.46 43.90 53.66 75.61 80.49 95.12 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3,140.70 0.00 67.54 0.00 0.00 0.00 341.72 74.07 17.38 0.00 0.00 80.74 33.23 350.00 297.59 848.53 17,191.11 15.51 382.16 7.84 22,848.12

3,140.70 13.75 3,140.70 0.00 3,208.24 0.30 3,208.24 0.00 3,208.24 0.00 3,208.24 0.00 3,549.96 1.50 3,624.03 0.32 3,641.41 0.08 3,641.41 0.00 3,641.41 0.00 3,722.16 0.35 3,755.39 0.15 4,105.39 1.53 4,402.98 1.30 5,251.51 3.71 22,442.61 75.24 22,458.12 0.07 22,840.28 1.67 22,848.12 0.03

13.75 13.75 14.04 14.04 14.04 14.04 15.54 15.86 15.94 15.94 15.94 16.29 16.44 17.97 19.27 22.98 98.23 98.29 99.97 100.00

527.52 0.00 317.57 0.00 0.00 0.00 147.71 28.73 10.00 0.00 0.00 29.43 11.55 59.15 47.39 44.78 878.98 1.45 29.59 2.80

527.52 521.23 514.28 493.43 438.52 385.74 333.94 274.36 243.63 222.24 192.19 171.60 152.86 134.67 119.76 94.26 298.16 261.21 230.96 224.68

224.68

Page 06 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 2532 - Other printers, art printing works,lithograp

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

Screen printing on paper (sablon) NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 395 391 564 436 579 378 288 310 222 138 117 137 71 112 66 78 45 12 18 1 4,358

395 9.06 786 8.97 1,350 12.94 1,786 10.00 2,365 13.29 2,743 8.67 3,031 6.61 3,341 7.11 3,563 5.09 3,701 3.17 3,818 2.68 3,955 3.14 4,026 1.63 4,138 2.57 4,204 1.51 4,282 1.79 4,327 1.03 4,339 0.28 4,357 0.41 4,358 0.02

9.06 18.04 30.98 40.98 54.27 62.94 69.55 76.66 81.76 84.92 87.61 90.75 92.38 94.95 96.47 98.26 99.29 99.56 99.98 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,090.14 367.79 339.36 457.40 869.18 855.59 771.76 1,123.27 1,060.84 805.84 748.19 1,117.80 689.48 1,346.01 1,055.32 1,311.51 908.45 208.69 313.80 27.59 15,468.01

1,090.14 1,457.93 1,797.28 2,254.68 3,123.86 3,979.45 4,751.21 5,874.48 6,935.33 7,741.17 8,489.36 9,607.16 10,296.64 11,642.65 12,697.96 14,009.48 14,917.92 15,126.62 15,440.42 15,468.01

7.05 7.05 2.38 9.43 2.19 11.62 2.96 14.58 5.62 20.20 5.53 25.73 4.99 30.72 7.26 37.98 6.86 44.84 5.21 50.05 4.84 54.88 7.23 62.11 4.46 66.57 8.70 75.27 6.82 82.09 8.48 90.57 5.87 96.44 1.35 97.79 2.03 99.82 0.18 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 7 0 2 2 4 0 5 3 5 0 4 2 5 2 3 0 1 0 1 0 46

7 7 9 11 15 15 20 23 28 28 32 34 39 41 44 44 45 45 46 46

15.22 0.00 4.35 4.35 8.70 0.00 10.87 6.52 10.87 0.00 8.70 4.35 10.87 4.35 6.52 0.00 2.17 0.00 2.17 0.00

15.2 15.2 19.5 23.9 32.6 32.6 43.4 50.0 60.8 60.8 69.5 73.9 84.7 89.1 95.6 95.6 97.8 97.8 100. 100.

01/01/2007

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 122.12 0.00 180.23 16.87 146.41 0.00 249.30 44.04 719.37 0.00 647.94 2,025.68 286.81 394.31 8,103.35 0.00 72.27 0.00 47.21 0.00 13,055.90

122.12 0.94 122.12 0.00 302.35 1.38 319.21 0.13 465.62 1.12 465.62 0.00 714.91 1.91 758.95 0.34 1,478.33 5.51 1,478.33 0.00 2,126.26 4.96 4,151.95 15.52 4,438.76 2.20 4,833.07 3.02 12,936.42 62.07 12,936.42 0.00 13,008.69 0.55 13,008.69 0.00 13,055.90 0.36 13,055.90 0.00

0.94 11.20 11.20 0.94 0.00 8.38 2.32 53.11 16.82 2.44 3.69 14.16 3.57 16.84 14.91 3.57 0.00 11.70 5.48 32.30 15.05 5.81 3.92 12.92 11.32 67.81 21.32 11.32 0.00 19.10 16.29 86.60 25.05 31.80 181.22 43.22 34.00 41.60 43.11 37.02 29.29 41.51 99.08 767.86 101.88 99.08 0.00 92.34 99.64 7.96 87.20 99.64 0.00 86.00 100.00 15.05 84.56 100.00 0.00 84.41 84.41

Page 07 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 29341 - Shops

BAND

DATA POSITION FROM PROCESSING

Subject to Warranty A NUMBER OF POLICIES SUM INSURED Mid Points PERCENTAGE (In Million) f F From To BAND CUM.

18,586 21,571 31,924 21,943 23,806 11,207 7,214 4,659 2,150 936 654 631 403 346 161 214 84 45 15 7 146,556

18,586 40,157 72,081 94,024 117,830 129,037 136,251 140,910 143,060 143,996 144,650 145,281 145,684 146,030 146,191 146,405 146,489 146,534 146,549 146,556

12.68 14.72 21.78 14.97 16.24 7.65 4.92 3.18 1.47 0.64 0.45 0.43 0.27 0.24 0.11 0.15 0.06 0.03 0.01 0.00

12.68 27.40 49.18 64.16 80.40 88.05 92.97 96.15 97.61 98.25 98.70 99.13 99.41 99.64 99.75 99.90 99.95 99.98 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 10,926.01 12,031.36 30,777.20 32,240.27 49,805.32 33,115.89 28,303.35 23,567.79 14,418.08 7,043.81 5,296.89 6,409.27 4,021.35 4,292.93 2,113.84 2,503.80 1,579.27 1,046.90 638.05 10,321.31 280,452.69

10,926.01 22,957.37 53,734.57 85,974.84 135,780.17 168,896.06 197,199.41 220,767.20 235,185.28 242,229.08 247,525.97 253,935.23 257,956.59 262,249.51 264,363.35 266,867.15 268,446.42 269,493.33 270,131.38 280,452.69

3.90 3.90 4.29 8.19 10.97 19.16 11.50 30.66 17.76 48.41 11.81 60.22 10.09 70.31 8.40 78.72 5.14 83.86 2.51 86.37 1.89 88.26 2.29 90.54 1.43 91.98 1.53 93.51 0.75 94.26 0.89 95.16 0.56 95.72 0.37 96.09 0.23 96.32 3.68 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 143 62 100 65 90 42 49 36 9 6 0 6 4 6 2 6 3 3 7 55 694

143 20.61 205 8.93 305 14.41 370 9.37 460 12.97 502 6.05 551 7.06 587 5.19 596 1.30 602 0.86 602 0.00 608 0.86 612 0.58 618 0.86 620 0.29 626 0.86 629 0.43 632 0.43 639 1.01 694 7.93

20.61 29.54 43.95 53.31 66.28 72.33 79.39 84.58 85.88 86.74 86.74 87.61 88.18 89.05 89.34 90.20 90.63 91.07 92.07 100.00

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2,986.54 2,395.79 5,498.86 6,142.21 9,123.37 6,739.59 8,611.76 5,139.43 4,056.70 428.74 0.00 108.01 5.68 1,945.00 72.95 351.93 49.06 1,549.40 181.65 1,177.06 56,563.7

2,986.54 5,382.32 10,881.18 17,023.40 26,146.76 32,886.35 41,498.11 46,637.54 50,694.24 51,122.98 51,122.98 51,230.99 51,236.66 53,181.66 53,254.61 53,606.53 53,655.60 55,205.00 55,386.65 56,563.71

5.28 4.24 9.72 10.86 16.13 11.92 15.22 9.09 7.17 0.76 0.00 0.19 0.01 3.44 0.13 0.62 0.09 2.74 0.32 2.08

5.28 9.52 19.24 30.10 46.23 58.14 73.37 82.45 89.62 90.38 90.38 90.57 90.58 94.02 94.15 94.77 94.86 97.60 97.92 100.00

LOSS RATIO PERCENTAGE BAND CUM 27.33 19.91 17.87 19.05 18.32 20.35 30.43 21.81 28.14 6.09 0.00 1.69 0.14 45.31 3.45 14.06 3.11 148.00 28.47 11.40

27.33 23.44 20.25 19.80 19.26 19.47 21.04 21.13 21.56 21.11 20.65 20.17 19.86 20.28 20.14 20.09 19.99 20.48 20.50 20.17

20.17

Page 08 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 2971 - Apartments / Condominium, offices,

BAND

DATA POSITION FROM

Multi-storeyed car park NUMBER OF POLICIES SUM INSURED Mid Points PERCENTAGE (In Million) f F From To BAND CUM.

6,622 3,044 4,929 4,426 6,635 4,236 3,033 2,908 1,750 1,084 769 1,069 646 928 563 783 608 266 257 75 44,631

6,622 14.84 9,666 6.82 14,595 11.04 19,021 9.92 25,656 14.87 29,892 9.49 32,925 6.80 35,833 6.52 37,583 3.92 38,667 2.43 39,436 1.72 40,505 2.40 41,151 1.45 42,079 2.08 42,642 1.26 43,425 1.75 44,033 1.36 44,299 0.60 44,556 0.58 44,631 0.17

14.84 21.66 32.70 42.62 57.48 66.98 73.77 80.29 84.21 86.64 88.36 90.76 92.20 94.28 95.54 97.30 98.66 99.26 99.83 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,278.61 524.60 1,541.78 1,819.83 4,103.72 3,599.84 3,311.68 4,260.72 3,552.52 2,647.96 1,990.94 3,692.14 2,987.26 5,325.73 3,936.36 8,588.74 9,768.63 6,554.20 7,776.15 6,325.62 88,587.00

6,278.61 7.09 7.09 6,803.21 0.59 7.68 8,344.98 1.74 9.42 10,164.81 2.05 11.47 14,268.52 4.63 16.11 17,868.36 4.06 20.17 21,180.04 3.74 23.91 25,440.75 4.81 28.72 28,993.27 4.01 32.73 31,641.23 2.99 35.72 33,632.17 2.25 37.97 37,324.31 4.17 42.13 40,311.57 3.37 45.51 45,637.30 6.01 51.52 49,573.66 4.44 55.96 58,162.40 9.70 65.66 67,931.03 11.03 76.68 74,485.23 7.40 84.08 82,261.38 8.78 92.86 88,587.00 7.14 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 79 8 18 10 22 15 18 27 17 17 12 52 11 22 26 16 33 14 77 11 505

79 15.64 87 1.58 105 3.56 115 1.98 137 4.36 152 2.97 170 3.56 197 5.35 214 3.37 231 3.37 243 2.38 295 10.30 306 2.18 328 4.36 354 5.15 370 3.17 403 6.53 417 2.77 494 15.25 505 2.18

15.6 17.2 20.7 22.7 27.1 30.1 33.6 39.0 42.3 45.7 48.1 58.4 60.5 64.9 70.1 73.2 79.8 82.5 97.8 100.

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 1,660.23 300.41 12,344.87 404.41 1,177.03 452.66 840.15 1,135.21 1,648.64 344.94 356.26 735.52 442.87 5,283.85 9,925.06 5,595.19 318,834.22 3,522.46 10,153.62 28,432.57 403,590.15

1,660.23 0.41 1,960.64 0.07 14,305.51 3.06 14,709.91 0.10 15,886.94 0.29 16,339.60 0.11 17,179.75 0.21 18,314.96 0.28 19,963.59 0.41 20,308.53 0.09 20,664.79 0.09 21,400.32 0.18 21,843.19 0.11 27,127.04 1.31 37,052.09 2.46 42,647.28 1.39 361,481.50 79.00 365,003.96 0.87 375,157.58 2.52 403,590.15 7.04

0.41 0.49 3.54 3.64 3.94 4.05 4.26 4.54 4.95 5.03 5.12 5.30 5.41 6.72 9.18 10.57 89.57 90.44 92.96 100.00

26.44 57.27 800.69 22.22 28.68 12.57 25.37 26.64 46.41 13.03 17.89 19.92 14.83 99.21 252.14 65.15 3263.8 53.74 130.57 449.48

26.44 28.82 171.43 144.71 111.34 91.44 81.11 71.99 68.86 64.18 61.44 57.34 54.19 59.44 74.74 73.32 532.13 490.04 456.06 455.59

455.59

Page 09 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 2976 - DWELLING HOUSE

BAND

DATA POSITION FROM PROCESSING

Not Classified as shop houses NUMBER OF POLICIES SUM INSURED Mid Points PERCENTAGE (In Million) f F From To BAND CUM.

1 0 50 25 98,555 2 50 100 75 104,270 3 100 200 150 113,358 4 200 300 250 61,532 5 300 500 400 57,819 6 500 750 625 25,256 7 750 1,000 875 15,400 8 1,000 1,500 1,250 10,263 4,864 9 1,500 2,000 1,750 2,159 10 2,000 2,500 2,250 1,456 11 2,500 3,000 2,750 1,390 12 3,000 4,000 3,500 848 13 4,000 5,000 4,500 754 14 5,000 7,500 6,250 371 15 7,500 10,000 8,750 423 16 10,000 20,000 15,000 209 17 20,000 50,000 35,000 86 18 50,000 100,000 75,000 116 19 100,000 500,000 300,000 24 20 500,000 Up TOTAL

499,153

98,555 202,825 316,183 377,715 435,534 460,790 476,190 486,453 491,317 493,476 494,932 496,322 497,170 497,924 498,295 498,718 498,927 499,013 499,129 499,153

19.74 20.89 22.71 12.33 11.58 5.06 3.09 2.06 0.97 0.43 0.29 0.28 0.17 0.15 0.07 0.08 0.04 0.02 0.02 0.00

19.74 40.63 63.34 75.67 87.25 92.31 95.40 97.46 98.43 98.86 99.15 99.43 99.60 99.75 99.83 99.91 99.95 99.97 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

9,654.36 14,777.12 23,249.90 20,971.65 24,416.81 15,718.63 15,853.04 12,868.10 7,968.87 7,660.17 5,330.32 4,169.92 3,510.71 3,897.25 2,201.65 3,670.37 3,275.03 3,662.96 8,549.41 10,204.77

86 77 115 140 174 92 53 49 26 12 17 11 50 7 7 23 17 72 22 15

201,611.03

9,654.36 4.79 4.79 24,431.48 7.33 12.12 47,681.38 11.53 23.65 68,653.03 10.40 34.05 93,069.84 12.11 46.16 108,788.47 7.80 53.96 124,641.51 7.86 61.82 137,509.61 6.38 68.21 145,478.48 3.95 72.16 153,138.65 3.80 75.96 158,468.97 2.64 78.60 162,638.88 2.07 80.67 166,149.59 1.74 82.41 170,046.84 1.93 84.34 172,248.49 1.09 85.44 175,918.86 1.82 87.26 179,193.89 1.62 88.88 182,856.85 1.82 90.70 191,406.26 4.24 94.94 201,611.03 5.06 100.00

1,065

86 8.08 163 7.23 278 10.80 418 13.15 592 16.34 684 8.64 737 4.98 786 4.60 812 2.44 824 1.13 841 1.60 852 1.03 902 4.69 909 0.66 916 0.66 939 2.16 956 1.60 1,02 6.76 1,05 2.07 1,06 1.41

8.08 15.3 26.1 39.2 55.5 64.2 69.2 73.8 76.2 77.3 78.9 80.0 84.6 85.3 86.0 88.1 89.7 96.5 98.5 100.

01/01/2007

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3,697.98 2,370.28 4,096.22 4,878.07 7,463.01 4,121.66 3,014.74 2,510.02 1,242.84 502.81 888.50 137.75 18,586.57 108.83 399.48 2,041.27 1,210.15 1,146.02 15,742.47 8,248.17 82,406.86

3,697.98 4.49 6,068.26 2.88 10,164.48 4.97 15,042.55 5.92 22,505.55 9.06 26,627.21 5.00 29,641.95 3.66 32,151.98 3.05 33,394.82 1.51 33,897.63 0.61 34,786.13 1.08 34,923.88 0.17 53,510.45 22.55 53,619.28 0.13 54,018.77 0.48 56,060.04 2.48 57,270.19 1.47 58,416.21 1.39 74,158.69 19.10 82,406.86 10.01

4.49 38.30 7.36 16.04 12.33 17.62 18.25 23.26 27.31 30.57 32.31 26.22 35.97 19.02 39.02 19.51 40.52 15.60 41.13 6.56 42.21 16.67 42.38 3.30 64.93 529.42 65.07 2.79 65.55 18.14 68.03 55.61 69.50 36.95 70.89 31.29 89.99 184.14 100.00 80.83

38.30 24.84 21.32 21.91 24.18 24.48 23.78 23.38 22.96 22.14 21.95 21.47 32.21 31.53 31.36 31.87 31.96 31.95 38.74 40.87

40.87

Page 10 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 22111 - Mechanical Engineering & Apparatus construction

BAND

DATA POSITION FROM PROCESSING

( excl. electrical) metal goods factories ... NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) SUM INSURED Mid Points PERCENTAGE PERCENTAGE (In Million) f F rp RP From To BAND CUM. BAND CUM.

180 28 76 69 131 107 99 143 103 70 83 96 83 146 88 184 164 109 170 47 2,176

180 208 284 353 484 591 690 833 936 1,006 1,089 1,185 1,268 1,414 1,502 1,686 1,850 1,959 2,129 2,176

8.27 1.29 3.49 3.17 6.02 4.92 4.55 6.57 4.73 3.22 3.81 4.41 3.81 6.71 4.04 8.46 7.54 5.01 7.81 2.16

8.27 9.56 13.05 16.22 22.24 27.16 31.71 38.28 43.01 46.23 50.05 54.46 58.27 64.98 69.03 77.48 85.02 90.03 97.84 100.00

813.86 813.86 11.12 824.98 21.02 846.00 26.06 872.06 98.13 970.19 77.96 1,048.14 103.41 1,151.55 266.99 1,418.54 219.83 1,638.37 163.57 1,801.94 230.62 2,032.56 295.53 2,328.08 350.05 2,678.13 816.45 3,494.59 717.81 4,212.40 1,704.83 5,917.23 2,338.95 8,256.18 1,450.42 9,706.60 2,149.73 11,856.33 471.05 12,327.38 12,327.38

6.60 6.60 0.09 6.69 0.17 6.86 0.21 7.07 0.80 7.87 0.63 8.50 0.84 9.34 2.17 11.51 1.78 13.29 1.33 14.62 1.87 16.49 2.40 18.89 2.84 21.73 6.62 28.35 5.82 34.17 13.83 48.00 18.97 66.97 11.77 78.74 17.44 96.18 3.82 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 8 0 0 0 0 0 0 2 1 1 0 1 2 2 2 5 4 4 10 11 53

8 15.09 8 0.00 8 0.00 8 0.00 8 0.00 8 0.00 8 0.00 10 3.77 11 1.89 12 1.89 12 0.00 13 1.89 15 3.77 17 3.77 19 3.77 24 9.43 28 7.55 32 7.55 42 18.87 53 20.75

15.09 15.09 15.09 15.09 15.09 15.09 15.09 18.87 20.75 22.64 22.64 24.53 28.30 32.08 35.85 45.28 52.83 60.38 79.25 100.00

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 209.38 209.38 0.07 0.00 209.38 0.00 0.00 209.38 0.00 0.00 209.38 0.00 0.00 209.38 0.00 0.00 209.38 0.00 0.00 209.38 0.00 324.48 533.86 0.11 6.73 540.59 0.00 0.00 540.59 0.00 0.00 540.59 0.00 1,876.77 2,417.36 0.65 57.96 2,475.32 0.02 7,636.34 10,111.66 2.65 75.46 10,187.12 0.03 4,050.27 14,237.39 1.41 16,734.01 30,971.41 5.82 9,996.49 40,967.89 3.48 245,667.15 286,635.04 85.41 1,010.11 287,645.15 0.35 287,645.15

LOSS RATIO PERCENTAGE BAND CUM

0.07 25.73 0.07 0.00 0.07 0.00 0.07 0.00 0.07 0.00 0.07 0.00 0.07 0.00 0.19 121.53 0.19 3.06 0.19 0.00 0.19 0.00 0.84 635.05 0.86 16.56 3.52 935.31 3.54 10.51 4.95 237.58 10.77 715.45 14.24 689.21 99.65 11427.8 100.00 214.44

25.73 25.38 24.75 24.01 21.58 19.98 18.18 37.63 33.00 30.00 26.60 103.83 92.43 289.35 241.84 240.61 375.13 422.06 2417.57 2333.38

2333.38

Page 11 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 2532 - Other printers, art printing works,lithograp

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

Screen printing on paper (sablon) NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 459 304 495 470 620 433 355 355 261 167 122 149 91 138 83 101 76 45 19 18 4,761

459 9.64 763 6.39 1,258 10.40 1,728 9.87 2,348 13.02 2,781 9.09 3,136 7.46 3,491 7.46 3,752 5.48 3,919 3.51 4,041 2.56 4,190 3.13 4,281 1.91 4,419 2.90 4,502 1.74 4,603 2.12 4,679 1.60 4,724 0.95 4,743 0.40 4,761 0.38

9.64 16.03 26.42 36.29 49.32 58.41 65.87 73.32 78.81 82.31 84.88 88.01 89.92 92.82 94.56 96.68 98.28 99.22 99.62 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 12,197.00 194.09 368.14 465.55 895.21 949.12 994.11 1,225.65 1,190.83 912.96 765.60 1,144.76 843.23 1,414.78 1,084.09 1,785.02 1,144.83 657.65 273.17 57,101.07 85,606.85

12,197.00 14.25 14.25 12,391.09 0.23 14.47 12,759.23 0.43 14.90 13,224.78 0.54 15.45 14,119.99 1.05 16.49 15,069.10 1.11 17.60 16,063.21 1.16 18.76 17,288.87 1.43 20.20 18,479.70 1.39 21.59 19,392.66 1.07 22.65 20,158.26 0.89 23.55 21,303.02 1.34 24.88 22,146.25 0.99 25.87 23,561.03 1.65 27.52 24,645.12 1.27 28.79 26,430.14 2.09 30.87 27,574.97 1.34 32.21 28,232.62 0.77 32.98 28,505.79 0.32 33.30 85,606.85 66.70 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 3 0 1 2 1 0 3 2 1 1 2 0 3 1 0 0 0 0 0 0 20

3 3 4 6 7 7 10 12 13 14 16 16 19 20 20 20 20 20 20 20

15.00 0.00 5.00 10.00 5.00 0.00 15.00 10.00 5.00 5.00 10.00 0.00 15.00 5.00 0.00 0.00 0.00 0.00 0.00 0.00

15.0 15.0 20.0 30.0 35.0 35.0 50.0 60.0 65.0 70.0 80.0 80.0 95.0 100. 100. 100. 100. 100. 100. 100.

01/01/2008

15/12/2009

DATE

15/03/2010

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 1,748.73 0.00 46.20 11.20 6.00 0.00 331.14 269.78 0.00 5.95 2,535.25 0.00 1,978.29 0.90 0.00 0.00 0.00 0.00 0.00 0.00 6,933.44

1,748.73 25.22 1,748.73 0.00 1,794.93 0.67 1,806.13 0.16 1,812.13 0.09 1,812.13 0.00 2,143.27 4.78 2,413.05 3.89 2,413.05 0.00 2,419.00 0.09 4,954.25 36.57 4,954.25 0.00 6,932.54 28.53 6,933.44 0.01 6,933.44 0.00 6,933.44 0.00 6,933.44 0.00 6,933.44 0.00 6,933.44 0.00 6,933.44 0.00

25.22 14.34 25.22 0.00 25.89 12.55 26.05 2.41 26.14 0.67 26.14 0.00 30.91 33.31 34.80 22.01 34.80 0.00 34.89 0.65 71.45 331.15 71.45 0.00 99.99 234.61 100.00 0.06 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

14.34 14.11 14.07 13.66 12.83 12.03 13.34 13.96 13.06 12.47 24.58 23.26 31.30 29.43 28.13 26.23 25.14 24.56 24.32 8.10

8.10

Page 12 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 29341 - Shops

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2009

DATE

15/03/2010

Subject to Warranty A

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 17,787 19,580 30,732 22,407 25,774 12,777 8,580 5,696 2,745 1,287 846 853 538 512 238 285 172 62 23 16 150,910

17,787 37,367 68,099 90,506 116,280 129,057 137,637 143,333 146,078 147,365 148,211 149,064 149,602 150,114 150,352 150,637 150,809 150,871 150,894 150,910

11.79 12.97 20.36 14.85 17.08 8.47 5.69 3.77 1.82 0.85 0.56 0.57 0.36 0.34 0.16 0.19 0.11 0.04 0.02 0.01

11.79 24.76 45.13 59.97 77.05 85.52 91.20 94.98 96.80 97.65 98.21 98.78 99.13 99.47 99.63 99.82 99.93 99.97 99.99 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

11,925.86 11,090.73 29,768.86 31,768.89 52,186.42 36,089.45 32,102.71 27,807.97 17,026.59 9,101.43 6,704.24 8,155.72 5,227.71 5,911.37 2,550.16 3,972.37 3,620.99 2,335.44 597.34 1,763.32

24 29 51 33 50 18 26 16 11 6 6 3 3 7 2 4 2 3 3 0

299,707.55

11,925.86 23,016.59 52,785.44 84,554.33 136,740.74 172,830.19 204,932.90 232,740.87 249,767.46 258,868.89 265,573.13 273,728.86 278,956.57 284,867.93 287,418.09 291,390.47 295,011.45 297,346.89 297,944.23 299,707.55

3.98 3.98 3.70 7.68 9.93 17.61 10.60 28.21 17.41 45.62 12.04 57.67 10.71 68.38 9.28 77.66 5.68 83.34 3.04 86.37 2.24 88.61 2.72 91.33 1.74 93.08 1.97 95.05 0.85 95.90 1.33 97.22 1.21 98.43 0.78 99.21 0.20 99.41 0.59 100.00

297

24 8.08 53 9.76 104 17.17 137 11.11 187 16.84 205 6.06 231 8.75 247 5.39 258 3.70 264 2.02 270 2.02 273 1.01 276 1.01 283 2.36 285 0.67 289 1.35 291 0.67 294 1.01 297 1.01 297 0.00

8.08 17.85 35.02 46.13 62.96 69.02 77.78 83.16 86.87 88.89 90.91 91.92 92.93 95.29 95.96 97.31 97.98 98.99 100.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 805.22 1,848.98 5,648.61 3,514.12 5,928.42 3,018.82 7,633.43 6,743.58 2,077.91 3,406.15 365.44 306.76 600.97 6,475.77 755.21 3,972.73 103.88 454.00 63.33 0.00 53,723.30

805.22 2,654.20 8,302.80 11,816.92 17,745.34 20,764.16 28,397.59 35,141.17 37,219.07 40,625.22 40,990.66 41,297.42 41,898.39 48,374.16 49,129.37 53,102.09 53,205.97 53,659.97 53,723.30 53,723.30

1.50 3.44 10.51 6.54 11.04 5.62 14.21 12.55 3.87 6.34 0.68 0.57 1.12 12.05 1.41 7.39 0.19 0.85 0.12 0.00

1.50 4.94 15.45 22.00 33.03 38.65 52.86 65.41 69.28 75.62 76.30 76.87 77.99 90.04 91.45 98.84 99.04 99.88 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM 6.75 16.67 18.97 11.06 11.36 8.36 23.78 24.25 12.20 37.42 5.45 3.76 11.50 109.55 29.61 100.01 2.87 19.44 10.60 0.00

6.75 11.53 15.73 13.98 12.98 12.01 13.86 15.10 14.90 15.69 15.43 15.09 15.02 16.98 17.09 18.22 18.04 18.05 18.03 17.93

17.93

Page 13 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 2971 - Apartments / Condominium, offices,

BAND

DATA POSITION FROM

Multi-storeyed car park NUMBER OF POLICIES SUM INSURED Mid Points PERCENTAGE (In Million) f F From To BAND CUM.

10,517 3,784 5,743 4,701 7,210 4,710 3,568 3,605 2,184 1,316 1,025 1,329 856 1,180 629 1,071 667 329 381 151 54,956

10,517 19.14 14,301 6.89 20,044 10.45 24,745 8.55 31,955 13.12 36,665 8.57 40,233 6.49 43,838 6.56 46,022 3.97 47,338 2.39 48,363 1.87 49,692 2.42 50,548 1.56 51,728 2.15 52,357 1.14 53,428 1.95 54,095 1.21 54,424 0.60 54,805 0.69 54,956 0.27

19.14 26.02 36.47 45.03 58.15 66.72 73.21 79.77 83.74 86.14 88.00 90.42 91.98 94.13 95.27 97.22 98.43 99.03 99.73 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,935.16 2,097.12 1,716.39 2,054.26 4,257.62 4,268.27 4,107.60 5,484.20 4,105.25 2,878.76 3,215.81 4,416.80 3,670.65 5,829.48 4,303.86 10,507.33 10,617.35 5,344.54 7,940.12 4,955.20 95,705.77

3,935.16 4.11 4.11 6,032.29 2.19 6.30 7,748.68 1.79 8.10 9,802.94 2.15 10.24 14,060.55 4.45 14.69 18,328.82 4.46 19.15 22,436.42 4.29 23.44 27,920.63 5.73 29.17 32,025.88 4.29 33.46 34,904.64 3.01 36.47 38,120.44 3.36 39.83 42,537.25 4.61 44.45 46,207.90 3.84 48.28 52,037.38 6.09 54.37 56,341.23 4.50 58.87 66,848.56 10.98 69.85 77,465.91 11.09 80.94 82,810.46 5.58 86.53 90,750.57 8.30 94.82 95,705.77 5.18 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 42 7 6 5 8 4 14 10 9 9 1 5 27 9 7 26 7 16 33 6 251

42 49 55 60 68 72 86 96 105 114 115 120 147 156 163 189 196 212 245 251

16.73 2.79 2.39 1.99 3.19 1.59 5.58 3.98 3.59 3.59 0.40 1.99 10.76 3.59 2.79 10.36 2.79 6.37 13.15 2.39

16.7 19.5 21.9 23.9 27.0 28.6 34.2 38.2 41.8 45.4 45.8 47.8 58.5 62.1 64.9 75.3 78.0 84.4 97.6 100.

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 10,835.76 237.00 168.09 291.66 158.95 323.76 390.43 3,044.51 1,277.54 892.95 28.33 4,541.58 191.50 155.74 140.28 193.58 39,888.29 785.51 3,268.32 40,274.80 107,088.57

10,835.76 10.12 11,072.76 0.22 11,240.85 0.16 11,532.51 0.27 11,691.46 0.15 12,015.22 0.30 12,405.64 0.36 15,450.15 2.84 16,727.70 1.19 17,620.64 0.83 17,648.98 0.03 22,190.55 4.24 22,382.05 0.18 22,537.80 0.15 22,678.08 0.13 22,871.65 0.18 62,759.94 37.25 63,545.45 0.73 66,813.76 3.05 107,088.57 37.61

10.12 10.34 10.50 10.77 10.92 11.22 11.58 14.43 15.62 16.45 16.48 20.72 20.90 21.05 21.18 21.36 58.61 59.34 62.39 100.00

275.36 11.30 9.79 14.20 3.73 7.59 9.50 55.51 31.12 31.02 0.88 102.82 5.22 2.67 3.26 1.84 375.69 14.70 41.16 812.78

275.36 183.56 145.07 117.64 83.15 65.55 55.29 55.34 52.23 50.48 46.30 52.17 48.44 43.31 40.25 34.21 81.02 76.74 73.62 111.89

111.89

Page 14 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 2976 - DWELLING HOUSE

BAND

DATA POSITION FROM PROCESSING

Not Classified as shop houses NUMBER OF POLICIES SUM INSURED Mid Points PERCENTAGE (In Million) f F From To BAND CUM.

1 0 50 25 88,371 2 50 100 75 104,108 3 100 200 150 120,471 4 200 300 250 67,076 5 300 500 400 64,030 6 500 750 625 28,246 7 750 1,000 875 17,426 8 1,000 1,500 1,250 11,743 5,329 9 1,500 2,000 1,750 2,386 10 2,000 2,500 2,250 1,732 11 2,500 3,000 2,750 1,590 12 3,000 4,000 3,500 895 13 4,000 5,000 4,500 830 14 5,000 7,500 6,250 380 15 7,500 10,000 8,750 443 16 10,000 20,000 15,000 222 17 20,000 50,000 35,000 65 18 50,000 100,000 75,000 66 19 100,000 500,000 300,000 17 20 500,000 Up TOTAL

515,426

88,371 192,479 312,950 380,026 444,056 472,302 489,728 501,471 506,800 509,186 510,918 512,508 513,403 514,233 514,613 515,056 515,278 515,343 515,409 515,426

17.15 20.20 23.37 13.01 12.42 5.48 3.38 2.28 1.03 0.46 0.34 0.31 0.17 0.16 0.07 0.09 0.04 0.01 0.01 0.00

17.15 37.34 60.72 73.73 86.15 91.63 95.01 97.29 98.33 98.79 99.13 99.43 99.61 99.77 99.84 99.93 99.97 99.98 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 9,347.02 15,162.47 25,824.98 20,160.57 27,286.70 18,568.46 15,207.40 15,343.89 9,435.11 5,227.65 4,313.19 4,805.56 3,337.00 4,055.33 2,285.05 3,495.84 2,738.71 968.83 1,756.73 41,066.05 230,386.53

9,347.02 4.06 4.06 24,509.49 6.58 10.64 50,334.47 11.21 21.85 70,495.04 8.75 30.60 97,781.74 11.84 42.44 116,350.19 8.06 50.50 131,557.59 6.60 57.10 146,901.49 6.66 63.76 156,336.59 4.10 67.86 161,564.25 2.27 70.13 165,877.43 1.87 72.00 170,682.99 2.09 74.09 174,019.99 1.45 75.53 178,075.32 1.76 77.29 180,360.37 0.99 78.29 183,856.21 1.52 79.80 186,594.92 1.19 80.99 187,563.75 0.42 81.41 189,320.48 0.76 82.18 230,386.53 17.82 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 46 44 77 44 62 39 23 28 15 10 7 7 3 13 1 6 7 3 6 0 441

46 10.43 90 9.98 167 17.46 211 9.98 273 14.06 312 8.84 335 5.22 363 6.35 378 3.40 388 2.27 395 1.59 402 1.59 405 0.68 418 2.95 419 0.23 425 1.36 432 1.59 435 0.68 441 1.36 441 0.00

10.4 20.4 37.8 47.8 61.9 70.7 75.9 82.3 85.7 87.9 89.5 91.1 91.8 94.7 95.0 96.3 97.9 98.6 100. 100.

01/01/2008

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 1,999.20 1,873.81 3,625.57 3,603.14 2,976.92 4,673.98 2,277.74 1,236.84 639.46 1,066.85 1,663.58 66.46 113.52 144.97 443.56 533.31 105.70 17.35 292.65 0.00 27,354.61

1,999.20 3,873.00 7,498.57 11,101.72 14,078.63 18,752.62 21,030.36 22,267.20 22,906.65 23,973.51 25,637.09 25,703.55 25,817.07 25,962.04 26,405.60 26,938.91 27,044.61 27,061.96 27,354.61 27,354.61

7.31 6.85 13.25 13.17 10.88 17.09 8.33 4.52 2.34 3.90 6.08 0.24 0.41 0.53 1.62 1.95 0.39 0.06 1.07 0.00

7.31 14.16 27.41 40.58 51.47 68.55 76.88 81.40 83.74 87.64 93.72 93.96 94.38 94.91 96.53 98.48 98.87 98.93 100.00 100.00

21.39 12.36 14.04 17.87 10.91 25.17 14.98 8.06 6.78 20.41 38.57 1.38 3.40 3.57 19.41 15.26 3.86 1.79 16.66 0.00

21.39 15.80 14.90 15.75 14.40 16.12 15.99 15.16 14.65 14.84 15.46 15.06 14.84 14.58 14.64 14.65 14.49 14.43 14.45 11.87

11.87

Page 15 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 22111 - Mechanical Engineering & Apparatus construction

BAND

DATA POSITION FROM PROCESSING

( excl. electrical) metal goods factories ... NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) SUM INSURED Mid Points PERCENTAGE PERCENTAGE (In Million) f F rp RP From To BAND CUM. BAND CUM.

156 23 64 60 127 108 95 138 106 76 57 82 80 136 76 133 134 75 117 21 1,864

156 179 243 303 430 538 633 771 877 953 1,010 1,092 1,172 1,308 1,384 1,517 1,651 1,726 1,843 1,864

8.37 1.23 3.43 3.22 6.81 5.79 5.10 7.40 5.69 4.08 3.06 4.40 4.29 7.30 4.08 7.14 7.19 4.02 6.28 1.13

8.37 9.60 13.04 16.26 23.07 28.86 33.96 41.36 47.05 51.13 54.18 58.58 62.88 70.17 74.25 81.38 88.57 92.60 98.87 100.00

689.50 13.16 17.79 25.07 86.93 89.31 105.23 241.19 231.29 175.41 139.01 253.34 327.52 702.08 579.65 1,459.53 1,759.79 956.59 1,205.53 268.80 9,326.73

689.50 702.66 720.46 745.53 832.45 921.76 1,026.99 1,268.19 1,499.47 1,674.89 1,813.90 2,067.24 2,394.76 3,096.84 3,676.49 5,136.02 6,895.81 7,852.40 9,057.93 9,326.73

7.39 7.39 0.14 7.53 0.19 7.72 0.27 7.99 0.93 8.93 0.96 9.88 1.13 11.01 2.59 13.60 2.48 16.08 1.88 17.96 1.49 19.45 2.72 22.16 3.51 25.68 7.53 33.20 6.21 39.42 15.65 55.07 18.87 73.94 10.26 84.19 12.93 97.12 2.88 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 1 2 2 1 8

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

12.50 0.00 0.00 0.00 0.00 0.00 0.00 12.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.50 25.00 25.00 12.50

12.50 12.50 12.50 12.50 12.50 12.50 12.50 25.00 25.00 25.00 25.00 25.00 25.00 25.00 25.00 25.00 37.50 62.50 87.50 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 16.49 0.00 0.00 0.00 0.00 0.00 0.00 208.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 77.64 0.00 41.94 0.94 345.79

16.49 4.77 16.49 0.00 16.49 0.00 16.49 0.00 16.49 0.00 16.49 0.00 16.49 0.00 225.27 60.38 225.27 0.00 225.27 0.00 225.27 0.00 225.27 0.00 225.27 0.00 225.27 0.00 225.27 0.00 225.27 0.00 302.92 22.45 302.92 0.00 344.85 12.13 345.79 0.27

4.77 4.77 4.77 4.77 4.77 4.77 4.77 65.15 65.15 65.15 65.15 65.15 65.15 65.15 65.15 65.15 87.60 87.60 99.73 100.00

LOSS RATIO PERCENTAGE BAND CUM 2.39 0.00 0.00 0.00 0.00 0.00 0.00 86.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.41 0.00 3.48 0.35

2.39 2.35 2.29 2.21 1.98 1.79 1.61 17.76 15.02 13.45 12.42 10.90 9.41 7.27 6.13 4.39 4.39 3.86 3.81 3.71

3.71

Page 16 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

DATA POSITION FROM

OCCUPATION CODE

: 2532 - Other printers, art printing works,lithogra

PROCESSING

01/01/2009

15/12/2009

DATE

15/03/2010

Screen printing on paper (sablon)

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 370 234 439 398 583 417 357 395 266 167 158 157 87 139 89 108 81 35 12 7 4,499

370 8.22 604 5.20 1,043 9.76 1,441 8.85 2,024 12.96 2,441 9.27 2,798 7.94 3,193 8.78 3,459 5.91 3,626 3.71 3,784 3.51 3,941 3.49 4,028 1.93 4,167 3.09 4,256 1.98 4,364 2.40 4,445 1.80 4,480 0.78 4,492 0.27 4,499 0.16

8.22 13.43 23.18 32.03 44.99 54.26 62.19 70.97 76.88 80.60 84.11 87.60 89.53 92.62 94.60 97.00 98.80 99.58 99.84 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,188.71 110.76 284.02 356.95 797.85 845.43 934.12 1,274.15 1,214.34 920.07 874.03 1,127.85 713.31 1,324.60 1,161.78 1,709.19 1,723.63 415.72 133.58 19,959.59 37,069.67

1,188.71 3.21 3.21 1,299.46 0.30 3.51 1,583.48 0.77 4.27 1,940.44 0.96 5.23 2,738.28 2.15 7.39 3,583.72 2.28 9.67 4,517.84 2.52 12.19 5,791.99 3.44 15.62 7,006.32 3.28 18.90 7,926.39 2.48 21.38 8,800.42 2.36 23.74 9,928.27 3.04 26.78 10,641.57 1.92 28.71 11,966.17 3.57 32.28 13,127.95 3.13 35.41 14,837.14 4.61 40.03 16,560.77 4.65 44.67 16,976.49 1.12 45.80 17,110.08 0.36 46.16 37,069.67 53.84 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 2 0 0 0 1 0 0 0 3

0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 2 66.67 2 0.00 2 0.00 2 0.00 3 33.33 3 0.00 3 0.00 3 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 66.6 66.6 66.6 66.6 100. 100. 100. 100.

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP 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 2,573.67 0.00 0.00 0.00 0.52 0.00 0.00 0.00 2,574.19

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,573.67 99.98 2,573.67 0.00 2,573.67 0.00 2,573.67 0.00 2,574.19 0.02 2,574.19 0.00 2,574.19 0.00 2,574.19 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 99.98 360.81 99.98 0.00 99.98 0.00 99.98 0.00 100.00 0.03 100.00 0.00 100.00 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 24.19 21.51 19.60 17.35 15.54 15.16 15.04 6.94

6.94

Page 17 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 29341 - Shops

BAND

DATA POSITION FROM PROCESSING

Subject to Warranty A NUMBER OF POLICIES SUM INSURED Mid Points PERCENTAGE (In Million) f F From To BAND CUM.

14,227 16,564 27,221 21,360 25,459 13,127 9,508 6,283 3,049 1,401 1,059 1,010 605 577 250 288 133 46 30 3 142,200

14,227 30,791 58,012 79,372 104,831 117,958 127,466 133,749 136,798 138,199 139,258 140,268 140,873 141,450 141,700 141,988 142,121 142,167 142,197 142,200

10.00 11.65 19.14 15.02 17.90 9.23 6.69 4.42 2.14 0.99 0.74 0.71 0.43 0.41 0.18 0.20 0.09 0.03 0.02 0.00

10.00 21.65 40.80 55.82 73.72 82.95 89.64 94.06 96.20 97.19 97.93 98.64 99.07 99.47 99.65 99.85 99.94 99.98 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

9,558.18 9,090.73 25,038.75 29,900.18 51,314.42 37,354.19 36,489.92 29,436.55 18,141.64 9,590.14 8,405.41 8,692.16 5,529.81 6,823.92 3,058.21 3,976.88 1,811.40 603.09 1,266.24 51.19

5 2 7 16 14 4 6 4 5 0 0 1 0 2 0 0 0 1 0 0

296,133.02

9,558.18 18,648.92 43,687.67 73,587.85 124,902.27 162,256.46 198,746.38 228,182.93 246,324.57 255,914.71 264,320.12 273,012.28 278,542.09 285,366.01 288,424.22 292,401.09 294,212.50 294,815.59 296,081.82 296,133.02

3.23 3.23 3.07 6.30 8.46 14.75 10.10 24.85 17.33 42.18 12.61 54.79 12.32 67.11 9.94 77.05 6.13 83.18 3.24 86.42 2.84 89.26 2.94 92.19 1.87 94.06 2.30 96.36 1.03 97.40 1.34 98.74 0.61 99.35 0.20 99.56 0.43 99.98 0.02 100.00

5 7.46 7 2.99 14 10.45 30 23.88 44 20.90 48 5.97 54 8.96 58 5.97 63 7.46 63 0.00 63 0.00 64 1.49 64 0.00 66 2.99 66 0.00 66 0.00 66 0.00 67 1.49 67 0.00 67 0.00

7.46 10.45 20.90 44.78 65.67 71.64 80.60 86.57 94.03 94.03 94.03 95.52 95.52 98.51 98.51 98.51 98.51 100.00 100.00 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 331.98 168.00 609.45 2,473.96 1,573.65 1,162.15 1,268.79 1,789.61 3,983.65 0.00 0.00 250.00 0.00 4,210.31 0.00 0.00 0.00 20.23 0.00 0.00 17,841.80

331.98 499.98 1,109.44 3,583.40 5,157.06 6,319.21 7,588.00 9,377.61 13,361.26 13,361.26 13,361.26 13,611.26 13,611.26 17,821.57 17,821.57 17,821.57 17,821.57 17,841.80 17,841.80 17,841.80

1.86 0.94 3.42 13.87 8.82 6.51 7.11 10.03 22.33 0.00 0.00 1.40 0.00 23.60 0.00 0.00 0.00 0.11 0.00 0.00

1.86 2.80 6.22 20.08 28.90 35.42 42.53 52.56 74.89 74.89 74.89 76.29 76.29 99.89 99.89 99.89 99.89 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM 3.47 1.85 2.43 8.27 3.07 3.11 3.48 6.08 21.96 0.00 0.00 2.88 0.00 61.70 0.00 0.00 0.00 3.35 0.00 0.00

3.47 2.68 2.54 4.87 4.13 3.89 3.82 4.11 5.42 5.22 5.05 4.99 4.89 6.25 6.18 6.09 6.06 6.05 6.03 6.02

6.02

Page 18 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 2971 - Apartments / Condominium, offices,

BAND

DATA POSITION FROM

Multi-storeyed car park NUMBER OF POLICIES SUM INSURED Mid Points PERCENTAGE (In Million) f F From To BAND CUM.

6,511 3,866 5,340 4,499 6,711 4,389 3,280 2,941 1,671 1,004 771 993 680 797 546 840 600 266 295 89 46,089

6,511 14.13 10,377 8.39 15,717 11.59 20,216 9.76 26,927 14.56 31,316 9.52 34,596 7.12 37,537 6.38 39,208 3.63 40,212 2.18 40,983 1.67 41,976 2.15 42,656 1.48 43,453 1.73 43,999 1.18 44,839 1.82 45,439 1.30 45,705 0.58 46,000 0.64 46,089 0.19

14.13 22.52 34.10 43.86 58.42 67.95 75.06 81.44 85.07 87.25 88.92 91.08 92.55 94.28 95.47 97.29 98.59 99.17 99.81 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5,949.21 821.80 1,543.59 1,925.71 4,155.84 3,747.35 3,545.28 4,349.98 3,362.91 2,592.68 2,884.16 3,813.50 2,894.34 4,652.85 3,962.65 8,643.91 9,157.60 8,453.48 8,993.87 54,946.79 140,397.49

5,949.21 4.24 4.24 6,771.00 0.59 4.82 8,314.59 1.10 5.92 10,240.30 1.37 7.29 14,396.13 2.96 10.25 18,143.49 2.67 12.92 21,688.76 2.53 15.45 26,038.74 3.10 18.55 29,401.65 2.40 20.94 31,994.33 1.85 22.79 34,878.49 2.05 24.84 38,691.98 2.72 27.56 41,586.33 2.06 29.62 46,239.18 3.31 32.93 50,201.83 2.82 35.76 58,845.74 6.16 41.91 68,003.35 6.52 48.44 76,456.83 6.02 54.46 85,450.70 6.41 60.86 140,397.49 39.14 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 0 2 4 1 1 2 2 2 1 1 4 0 0 2 0 2 0 6 1 32

1 3.13 3.13 1 0.00 3.13 3 6.25 9.38 7 12.50 21.88 8 3.13 25.00 9 3.13 28.13 11 6.25 34.38 13 6.25 40.63 15 6.25 46.88 16 3.13 50.00 17 3.13 53.13 21 12.50 65.63 21 0.00 65.63 21 0.00 65.63 23 6.25 71.88 23 0.00 71.88 25 6.25 78.13 25 0.00 78.13 31 18.75 96.88 32 3.13 100.00

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.57 0.00 114.25 106.96 20.00 549.05 0.00 51.25 2.97 402.73 22.80 4,001.70 0.00 0.00 1,773.27 0.00 300.00 0.00 85,157.45 47.00 92,549.99

0.57 0.00 0.57 0.00 114.82 0.12 221.77 0.12 241.77 0.02 790.82 0.59 790.82 0.00 842.07 0.06 845.04 0.00 1,247.77 0.44 1,270.57 0.02 5,272.27 4.32 5,272.27 0.00 5,272.27 0.00 7,045.54 1.92 7,045.54 0.00 7,345.54 0.32 7,345.54 0.00 92,502.99 92.01 92,549.99 0.05

0.00 0.01 0.01 0.00 0.00 0.01 0.12 7.40 1.38 0.24 5.55 2.17 0.26 0.48 1.68 0.85 14.65 4.36 0.85 0.00 3.65 0.91 1.18 3.23 0.91 0.09 2.87 1.35 15.53 3.90 1.37 0.79 3.64 5.70 104.94 13.63 5.70 0.00 12.68 5.70 0.00 11.40 7.61 44.75 14.03 7.61 0.00 11.97 7.94 3.28 10.80 7.94 0.00 9.61 99.95 946.84 108.25 100.00 0.09 65.92 65.92

Page 19 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 2976 - DWELLING HOUSE

BAND

DATA POSITION FROM PROCESSING

Not Classified as shop houses NUMBER OF POLICIES SUM INSURED Mid Points PERCENTAGE (In Million) f F From To BAND CUM.

1 0 50 25 73,014 2 50 100 75 83,029 3 100 200 150 110,659 4 200 300 250 64,658 5 300 500 400 64,461 6 500 750 625 29,328 7 750 1,000 875 18,750 8 1,000 1,500 1,250 12,308 5,655 9 1,500 2,000 1,750 2,567 10 2,000 2,500 2,250 1,757 11 2,500 3,000 2,750 1,788 12 3,000 4,000 3,500 951 13 4,000 5,000 4,500 877 14 5,000 7,500 6,250 466 15 7,500 10,000 8,750 531 16 10,000 20,000 15,000 251 17 20,000 50,000 35,000 85 18 50,000 100,000 75,000 49 19 100,000 500,000 300,000 6 20 500,000 Up TOTAL

471,190

73,014 156,043 266,702 331,360 395,821 425,149 443,899 456,207 461,862 464,429 466,186 467,974 468,925 469,802 470,268 470,799 471,050 471,135 471,184 471,190

15.50 17.62 23.49 13.72 13.68 6.22 3.98 2.61 1.20 0.54 0.37 0.38 0.20 0.19 0.10 0.11 0.05 0.02 0.01 0.00

15.50 33.12 56.60 70.32 84.00 90.23 94.21 96.82 98.02 98.57 98.94 99.32 99.52 99.71 99.80 99.92 99.97 99.99 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 8,703.69 10,004.28 21,705.75 17,249.52 25,767.60 17,128.11 15,087.62 14,932.06 9,447.05 6,068.13 4,206.54 5,334.27 3,477.73 4,250.89 2,573.75 3,438.63 2,691.57 656.65 633.47 46.68 173,403.98

8,703.69 5.02 5.02 18,707.97 5.77 10.79 40,413.72 12.52 23.31 57,663.24 9.95 33.25 83,430.84 14.86 48.11 100,558.94 9.88 57.99 115,646.56 8.70 66.69 130,578.63 8.61 75.30 140,025.68 5.45 80.75 146,093.80 3.50 84.25 150,300.34 2.43 86.68 155,634.61 3.08 89.75 159,112.34 2.01 91.76 163,363.24 2.45 94.21 165,936.98 1.48 95.69 169,375.61 1.98 97.68 172,067.18 1.55 99.23 172,723.84 0.38 99.61 173,357.31 0.37 99.97 173,403.98 0.03 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 9 18 37 16 31 6 12 3 3 1 3 0 0 0 19 0 0 0 2 0 160

9 27 64 80 111 117 129 132 135 136 139 139 139 139 158 158 158 158 160 160

5.63 11.25 23.13 10.00 19.38 3.75 7.50 1.88 1.88 0.63 1.88 0.00 0.00 0.00 11.88 0.00 0.00 0.00 1.25 0.00

5.63 16.8 40.0 50.0 69.3 73.1 80.6 82.5 84.3 85.0 86.8 86.8 86.8 86.8 98.7 98.7 98.7 98.7 100. 100.

01/01/2009

15/12/2009

DATE

15/03/2010

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 743.95 1,194.00 3,461.10 2,379.18 5,308.04 965.72 3,752.39 1,421.50 321.88 1,700.00 2,560.00 0.00 0.00 0.00 612.00 0.00 0.00 0.00 10.67 0.00 24,430.43

743.95 1,937.96 5,399.06 7,778.23 13,086.27 14,051.99 17,804.37 19,225.87 19,547.76 21,247.76 23,807.76 23,807.76 23,807.76 23,807.76 24,419.76 24,419.76 24,419.76 24,419.76 24,430.43 24,430.43

3.05 4.89 14.17 9.74 21.73 3.95 15.36 5.82 1.32 6.96 10.48 0.00 0.00 0.00 2.51 0.00 0.00 0.00 0.04 0.00

3.05 7.93 22.10 31.84 53.57 57.52 72.88 78.70 80.01 86.97 97.45 97.45 97.45 97.45 99.96 99.96 99.96 99.96 100.00 100.00

8.55 11.93 15.95 13.79 20.60 5.64 24.87 9.52 3.41 28.02 60.86 0.00 0.00 0.00 23.78 0.00 0.00 0.00 1.68 0.00

8.55 10.36 13.36 13.49 15.69 13.97 15.40 14.72 13.96 14.54 15.84 15.30 14.96 14.57 14.72 14.42 14.19 14.14 14.09 14.09

14.09

Page 20 of 20