Statistik bppdan edisi des 2010 by Reasuransi Internasional Indonesia

DAFTAR ISI TABEL GABUNGAN BAGIAN I RISK AND LOSS PROFILE 2007

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 INTERNASIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 1040 PO.Box 2645

BAGIAN II RISK AND LOSS PROFILE 2008

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 INTERNASIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 1040 PO.Box 2645

BAGIAN III RISK AND LOSS PROFILE 2009

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 INTERNASIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 1040 PO.Box 2645

BAGIAN IV RISK AND LOSS PROFILE 2010

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 INTERNASIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 1040 PO.Box 2645

TABEL GABUNGAN

PT. REASURANSI INTERNASIONAL 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 2007 - 2010 THE GROWTH OF POLICY, PREMIUM, CLAIM & LOSS RATIO FROM 2007 TO 2010 Premium and Claim in Million Rp

UY 2007 OCCUPATION CODE

Number

Premium

Policies

UY 2008

Number

Claim

% LOSS

Number

Claim

Incurred

RATIO

Policies

955

7,293.16

21 - (Stones, Earth…etc)

1,955

14,945.59

27,529.28

22 - (Metals)

7,921

41,552.84

247

133,939.48

20 - (Mining,Drilling…etc)

293,211.18 4,020.36

Premium

UY 2009

Number

Claim

% LOSS

Number

Claim

Incurred

RATIO

Policies

Premium

UY 2010

Number

Claim

% LOSS

Number

Claim

Incurred

RATIO

Policies

Premium

Number

Claim

% LOSS

Claim

Incurred

RATIO

1,250

40,579.95

67,757.54

166.97

1,681

14,370.42

50,382.74

350.60

1,494

11,093.07

206.40

184.20

2,060

12,094.29

33,064.54

273.39

2,897

196,203.05

29,491.81

15.03

1,882

12,511.43

34.97

1.86 0.28

322.34

8,711

56,994.72

195

364,294.03

639.17

11,328

62,907.20

67,021.00

106.54

8,807

48,521.33

306.25

0.63

9,361

76,099.21

346

314,962.76

413.88

10,959

87,886.96

302

149,562.40

170.18

13,599

124,558.83

157

61,402.80

49.30

10,720

199,244.71

748.19

0.38

13,857

66,376.13

374

162,684.49

245.09

14,759

77,864.33

378

134,682.59

172.97

17,030

82,134.34

189

59,585.99

72.55

13,521

65,362.99

1,965.75

3.01

25 - (Paper,Leather,Rubber)

9,370

66,029.16

190

210,956.08

319.49

10,194

137,548.61

186

283,003.93

205.75

11,868

99,532.26

111

42,653.28

42.85

9,696

69,140.33

2,408.16

3.48

26 - (Wood,Bamboo,Rattan)

7,271

75,158.05

154

56,860.14

75.65

7,823

77,560.01

147

109,302.28

140.93

8,782

78,379.23

139,064.45

177.43

7,059

69,871.11

3,291.68

4.71

21,714

78,843.89

549

225,945.20

286.57

27,731

94,690.22

592

290,859.01

307.17

35,770

112,912.03

278

14,912.83

13.21

23,805

77,026.40

1,185.53

1.54

992.82 992 82

1,013 1 013

9,032.09 9 032 09

64.08 1,073,365

1,319,488.53

2,487

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

27 - (Nutritional,Drinks…etc)

519

310,963.11 310 963 11

126,056.14 126 056 14

40.54 40 54

4,946 4 946

7,732.42 7 732 42

76,768.68 76 768 68

29 - (Transport,Traffic…etc)

880,898

1,117,183.55

4,434

1,357,585.92

121.52

944,228

1,219,553.10

3,534

781,441.48

30 - (Estate Plantation Risk)

121

1,055.63

125.29

11.87

211

1,417.60

6.35

0.45

547

3,045.29

1,932.33

63.45

487

9,464.51

0.00

31 - (Estate Plantation Risk)

714

5,635.51

2,866.70

50.87

634

14,521.13

1,121.18

7.72

1,273

12,830.44

4,584.18

35.73

816

15,073.50

7.50

0.05

161

5,977.14

1,589.54

26.59

108

2,321.37

1,077.52

46.42

196

4,878.27

374.98

7.69

177

3,392.05

0.00

1,166

2,705.49

1,941.43

71.76

2,118

6,245.98

2,937.11

47.02

3,004

9,612.35

4,814.82

50.09

1,071

6,975.25

0.00

2 295 878 64 2,295,878.64

124 98 124.98

3 499 3,499

1 392 376 22 1,392,376.22

65 37 65.37

28 - (Power and Heating)

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

955 983 955,983

1 869 818 46 1,869,818.46

6 607 6,607

2 916 253 63 2,916,253.63

155 96 155.96

1 035 732 1,035,732

1 837 010 69 1,837,010.69

5 527 5,527

1 182 353 1,182,353

2 129 884 33 2,129,884.33

107,933.10 107 933 10 1195.00 1195 00 808,221.91

61.25

742

8,335.36 8 335 36

0.00 0 00

893,335

1,204,292.24

109

10,457.99

0.87

973 612 973,612

1 800 304 28 1,800,304.28

170

20 612 42 20,612.42

Catatan/Note : 1. Posisi Data sampai dengan penerimaan 15 Desember 2010 (Data Position Until 15 Desember 2010) 2. Claim Incurred 2007 : Rp. 2.737.181.868.693,86,- (Settled = 6,309 Kasus) ,

Rp.

179.071.761.306,14,-

2008 : Rp. 1.357.112.311.237,41,- (Settled = 5,040 Kasus) ,

Rp.

938.766.318.762,59,-

(Os Claim = 487 Kasus)

2009 : Rp. 1,091.629.316.261,47,- (Settled = 3,118 Kasus) ,

Rp.

300.746.913.738,53,-

(Os Claim = 381 Kasus)

2010 : Rp.

Rp.

3.490.434.613,44,-

(Os Claim = 17 Kasus)

17.121.995.386,56,- (Settled = 153 Kasus) ,

(Os Claim = 298 Kasus)

0.00 1 14 1.14

PERTUMBUHAN DATA POLIS, POLIS PREMI, PREMI KLAIM & LOSS RATIO 2007 - 2010 THE GROWTH OF POLICY, PREMIUM, CLAIM & LOSS RATIO FROM 2007 TO 2010 Premium and Claim in Million Rp

UY 2007 PROVINCE CODE

01 - Nangroe Aceh Darussalam

Number Policies

UY 2008

Number Claim

Premium

Claim Incurred

% LOSS RATIO

Number Policies

Premium

Number Claim

UY 2009 Claim Incurred

% LOSS RATIO

Number Policies

Premium

Number Claim

UY 2010 Claim Incurred

% LOSS RATIO

Number Policies

Premium

Number Claim

Claim Incurred

% LOSS RATIO

7,528

10,620.24

947.89

8.93

8,687

11,984.34

758.63

6.33

11,146

16,263.66

1,545.95

9.51

10,839

21,322.68

0.00

02 - Sumatera Utara

58,138

79,301.41

244

141,614.87

178.58

66,681

93,259.44

288

243,964.90

261.60

93,781

125,147.55

152

22,001.57

17.58

69,899

109,001.57

5,190.52

4.76

03 - Sumatera Barat

23,266

21,547.58

181

29,241.39

135.71

26,460

24,682.38

320

191,630.40

776.39

35,251

34,103.02

706

407,063.63

1193.63

32,962

31,289.75

0.00

04 - Riau

29,623

39,294.88

19,269.20

49.04

33,695

43,982.79

102

19,235.79

43.73

46,025

67,264.07

4,861.23

7.23

32,645

47,845.64

411.70

0.86

05 - Jambi

11,732

12,660.10

1,030.81

8.14

12,909

15,575.93

4,416.33

28.35

13,654

17,990.65

1,732.81

9.63

11,491

14,735.82

0.00

06 - Sumatera Selatan

22,894

30,617.82

39,813.89

130.04

24,299

32,695.31

101

112,024.72

342.63

27,362

60,729.22

25,321.47

41.70

23,600

37,087.82

16.75

0.05

07 - Bengkulu

6,424

5,415.97

4,630.82

85.50

6,995

6,176.60

1,558.72

25.24

9,103

9,441.31

1,746.03

18.49

8,266

7,830.49

0.00

08 - Lampung

16,472

29,302.63

28,470.74

97.16

17,987

28,212.09

106

13,293.74

47.12

20,923

38,186.68

8,788.96

23.02

18,727

30,474.93

763.64

2.51

09 - DKI . Jakarta

207,554

729,509.31

2,178

943,500.49

129.33

219,924

473,473.31

1,501

402,246.29

84.96

233,249

450,522.46

785

226,783.18

50.34

192,081

341,697.63

2,041.77

0.60

10 - Jawa Barat

143,939

233,500.77

1,126

654,000.20

280.08

163,912

276,856.91

981

747,899.51

270.14

177,576

278,893.14

705

404,176.02

144.93

149,569

274,280.37

4,352.26

1.59

11 - Jawa Tengah

80,031

105,501.18

499

109,517.57

103.81

84,849

103,732.22

502

102,301.78

98.62

91,871

122,529.50

139

61,383.53

50.11

76,880

121,425.86

1,437.01

1.18

12 - DI . Yogyakarta

10,525

11,604.23

36,245.25

312.35

11,106

12,180.59

3,970.94

32.60

13,614

15,290.74

552.69

3.61

10,351

13,253.67

3.05

0.02

105,647

174,023.97

608

303,345.77

174.31

110,674

186,979.52

535

279,875.48

149.68

127,955

243,269.38

285

102,517.33

42.14

106,858

312,111.87

1,497.89

0.48

28,238

39,451.76

140

23,716.59

60.12

28,958

40,724.03

18,752.37

46.05

37,805

59,073.74

16,538.99

28.00

30,930

44,900.54

198.68

0.44 0.00

13 - Jawa Timur 14 - Kalimantan Barat 15 - Kalimantan Tengah

7,335

9,253.59

1,479.89

15.99

7,621

11,040.75

11,907.19

107.85

8,563

14,116.88

938.65

6.65

7,289

12,238.64

0.00

16 - Kalimantan Selatan

13,980

17,533.59

10,319.47

58.86

14,817

19,539.34

8,602.79

44.03

18,419

24,412.84

10,259.84

42.03

13,436

18,036.24

149.91

0.83

17 - Kalimantan Timur

22,273

43,523.04

11,453.10

26.32

22,737

92,634.75

17,065.47

18.42

27,542

64,103.60

11,257.20

17.56

22,812

54,038.36

0.00

l i Ut 18 - S Sulawesi Utara

10 405 10,405

14 694 86 14,694.86

9 450 85 9,450.85

64 31 64.31

11 323 11,323

27 680 51 27,680.51

5 197 93 5,197.93

18 78 18.78

12 703 12,703

19 541 86 19,541.86

1 667 23 1,667.23

8 53 8.53

10 806 10,806

17 237 16 17,237.16

33 16 33.16

0 19 0.19

19 - Sulawesi Tengah

6,641

10,262.13

485.29

4.73

6,705

11,346.65

1,235.52

10.89

6,679

11,114.03

55.45

0.50

7,071

12,193.43

0.00

20 - Sulawesi Selatan

27,912

41,403.98

10,391.53

25.10

29,511

40,598.21

14,743.61

36.32

33,957

210,810.74

4,376.60

2.08

26,399

38,279.43

124.50

0.33

4,060

4,915.80

3,429.86

69.77

4,671

5,776.07

4,502.09

77.94

4,640

5,835.19

722.02

12.37

3,687

5,200.96

0.00

0.00 0.53

21 - Sulawesi Tenggara 22 - Bali

19,640

33,423.12

164

14,781.86

44.23

23,592

42,851.19

158

9,426.32

22.00

27,083

49,867.06

3,993.19

8.01

23,877

48,731.70

258.04

23 - Nusa Tenggara Barat

6,469

9,109.58

1,901.94

20.88

6,495

8,040.11

2,078.19

25.85

7,987

9,053.11

2,152.27

23.77

6,942

9,029.51

0.00

24 - Nusa Tenggara Timur

4,445

6,172.72

2,154.31

34.90

4,998

7,809.53

350.77

4.49

6,186

8,698.97

224.84

2.58

5,154

8,048.00

0.00

5 - Maluku au u 25

, 5 1,451

3,0 9 0 3,079.70

60 83 60.83

98 1.98

,683 1,683

3,3 5 3 3,345.43

0 00 0.00

,08 2,087

,39 80 4,397.80

,86 0 21,861.02

9 09 497.09

, 2,147

,585 0 4,585.20

0 00 0.00

26 - Irian Jaya

3,863

9,074.25

2,397.83

26.42

5,345

11,369.81

2,242.52

19.72

6,751

15,461.45

2,207.13

14.28

6,137

15,542.59

0.00

27 - Maluku Utara

937

2,592.13

401.43

15.49

1,166

3,325.45

15.64

0.47

1,276

3,235.27

0.00

1,177

3,280.36

376.97

11.49

2,087

3,305.28

3,330.89

100.77

2,131

3,515.85

844.91

24.03

2,620

4,696.06

0.00

1,913

4,367.49

0.00

52,373

97,854.43

641

489,034.59

499.76

55,434

105,932.46

289

54,641.18

51.58

53,510

101,916.97

133

44,944.87

44.10

41,642

113,265.92

3,550.16

3.13

30 - Bangka Belitung

2,478

3,908.07

2,720.20

69.60

2,558

4,403.72

1,134.21

25.76

2,829

4,955.45

1,261.51

25.46

2,037

3,176.57

0.00

31 - Gorontalo

2,309

2,881.15

1,766.52

61.31

2,045

3,058.69

1,293.04

42.27

2,699

3,912.56

70.37

1.80

2,094

3,297.00

0.00

44.51

15,764

206.40

0.92

20,612.41

1.14

28 - Irian Jaya Barat 29 - Banten

32 - Kepulauan Riau

15,314

34,479.18

955,983

1,869,818.45

6,607

15,347.74 2,916,253.61

155.96 1,035,732

84,226.70 1,837,010.68

49 5,527

18,667.62 2,295,878.60

17,507 124.98

1,182,353

35,049.37

2,129,884.33

3,499

1,370.64 1,392,376.22

3.91 65.37

13,894 973,612

22,497.08 1,800,304.28

1 170

Catatan/Note : 1. Posisi Data sampai dengan penerimaan 15 Desember 2010 (Data Position Until 15 Desember 2010) 2. Claim Incurred 2007 : Rp. 2.737.181.868.693,86,- (Settled = 6,309 Kasus) ,

Rp.

179.071.761.306,14,-

2008 : Rp. 1.357.112.311.237,41,- (Settled = 5,040 Kasus) ,

Rp.

938.766.318.762,59,-

(Os Claim = 487 Kasus)

2009 : Rp. 1,091.629.316.261,47,- (Settled = 3,118 Kasus) ,

Rp.

300.746.913.738,53,-

(Os Claim = 381 Kasus)

2010 : Rp.

Rp.

3.490.434.613,44,-

(Os Claim = 17 Kasus)

17.121.995.386,56,- (Settled = 153 Kasus) ,

(Os Claim = 298 Kasus)

RISK AND LOSS PROFILE 2007

PT. REASURANSI INTERNASIONAL 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

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

DATA POSITION FROM

01/01/2007

UNDERWRITING YEAR

2007

15/12/2010

OCCUPATION CODE

All Code

PROCESSING DATE

15/03/2011

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

164,457 152,742 181,445 111,164 119,006 60,984 42,451 33,263 19,034 10,178 8,205 9,455 6,416 8,294 5,411 8,449 6,925 3,335 3,452 1,317 955,983

164,457 317,199 498,644 609,808 728,814 789,798 832,249 865,512 884,546 894,724 902,929 912,384 918,800 927,094 932,505 940,954 947,879 951,214 954,666 955,983

17.20 17.20 15.98 33.18 18.98 52.16 11.63 63.79 12.45 76.24 6.38 82.62 4.44 87.06 3.48 90.54 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. 86,397.72 38,254.27 73,545.61 74,211.79 115,095.98 83,218.98 83,421.28 83,887.36 62,659.56 43,633.91 38,565.99 52,523.37 41,670.36 69,700.79 50,369.05 112,412.16 122,476.52 71,414.69 98,904.19 467,454.89 1,869,818.46

86,397.72 124,651.99 198,197.60 272,409.39 387,505.37 470,724.35 554,145.63 638,032.99 700,692.54 744,326.45 782,892.44 835,415.81 877,086.17 946,786.96 997,156.01 1,109,568.17 1,232,044.69 1,303,459.38 1,402,363.56 1,869,818.46

4.62 2.05 3.93 3.97 6.16 4.45 4.46 4.49 3.35 2.33 2.06 2.81 2.23 3.73 2.69 6.01 6.55 3.82 5.29 25.00

4.62 6.67 10.60 14.57 20.72 25.17 29.64 34.12 37.47 39.81 41.87 44.68 46.91 50.64 53.33 59.34 65.89 69.71 75.00 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

868 234 344 321 429 309 244 312 189 119 117 189 202 274 182 355 454 391 492 582 6,607

868 1,102 1,446 1,767 2,196 2,505 2,749 3,061 3,250 3,369 3,486 3,675 3,877 4,151 4,333 4,688 5,142 5,533 6,025 6,607

13.14 13.14 3.54 16.68 5.21 21.89 4.86 26.74 6.49 33.24 4.68 37.91 3.69 41.61 4.72 46.33 2.86 49.19 1.80 50.99 1.77 52.76 2.86 55.62 3.06 58.68 4.15 62.83 2.75 65.58 5.37 70.96 6.87 77.83 5.92 83.74 7.45 91.19 8.81 100.00

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

276,599.90 14,217.41 29,617.36 18,792.47 30,256.50 27,402.48 35,502.23 56,584.66 35,334.25 26,773.39 25,444.92 23,719.00 70,713.41 101,702.34 57,586.25 144,629.32 467,094.75 245,579.47 358,784.04 869,919.50 2,916,253.63

276,599.90 290,817.32 320,434.68 339,227.14 369,483.64 396,886.12 432,388.35 488,973.00 524,307.26 551,080.64 576,525.56 600,244.56 670,957.97 772,660.31 830,246.55 974,875.87 1,441,970.62 1,687,550.09 2,046,334.13 2,916,253.63

9.48 0.49 1.02 0.64 1.04 0.94 1.22 1.94 1.21 0.92 0.87 0.81 2.42 3.49 1.97 4.96 16.02 8.42 12.30 29.83

9.48 9.97 10.99 11.63 12.67 13.61 14.83 16.77 17.98 18.90 19.77 20.58 23.01 26.49 28.47 33.43 49.45 57.87 70.17 100.00

LOSS RATIO PERCENTAGE BAND CUM. 320.15 37.17 40.27 25.32 26.29 32.93 42.56 67.45 56.39 61.36 65.98 45.16 169.70 145.91 114.33 128.66 381.37 343.88 362.76 186.10

320.15 233.30 161.67 124.53 95.35 84.31 78.03 76.64 74.83 74.04 73.64 71.85 76.50 81.61 83.26 87.86 117.04 129.47 145.92 155.96

155.96

Page 1 of 204

RISK AND LOSS PROFILE 2007 GROUP BY CLASS OF BUSINESS

PT. REASURANSI INTERNASIONAL 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

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

140,997 144,599 170,199 101,772 105,376 50,453 33,186 23,966 12,647 6,253 4,747 5,164 3,219 3,866 2,327 3,097 2,223 901 998 470 816,460

140,997 285,596 455,795 557,567 662,943 713,396 746,582 770,548 783,195 789,448 794,195 799,359 802,578 806,444 808,771 811,868 814,091 814,992 815,990 816,460

17.27 17.71 20.85 12.47 12.91 6.18 4.06 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

17.27 34.98 55.83 68.29 81.20 87.38 91.44 94.38 95.93 96.69 97.27 97.91 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. 47,014.83 33,332.66 69,810.62 69,636.13 105,124.42 72,983.59 70,213.55 66,431.74 47,177.38 31,786.10 27,107.21 34,584.83 26,096.60 37,276.93 26,318.90 48,939.26 47,562.89 20,279.24 27,826.02 11,890.02 921,392.91

47,014.83 5.10 5.10 80,347.49 3.62 8.72 150,158.11 7.58 16.30 219,794.25 7.56 23.85 324,918.66 11.41 35.26 397,902.25 7.92 43.18 468,115.80 7.62 50.81 534,547.54 7.21 58.02 581,724.92 5.12 63.14 613,511.02 3.45 66.59 640,618.23 2.94 69.53 675,203.05 3.75 73.28 701,299.65 2.83 76.11 738,576.59 4.05 80.16 764,895.49 2.86 83.02 813,834.74 5.31 88.33 861,397.63 5.16 93.49 881,676.87 2.20 95.69 909,502.89 3.02 98.71 921,392.91 1.29 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

343 131 222 173 236 160 102 136 75 47 41 47 59 58 51 102 90 56 63 62 2,254

343 15.22 15.22 474 5.81 21.03 696 9.85 30.88 869 7.68 38.55 1,105 10.47 49.02 1,265 7.10 56.12 1,367 4.53 60.65 1,503 6.03 66.68 1,578 3.33 70.01 1,625 2.09 72.09 1,666 1.82 73.91 1,713 2.09 76.00 1,772 2.62 78.62 1,830 2.57 81.19 1,881 2.26 83.45 1,983 4.53 87.98 2,073 3.99 91.97 2,129 2.48 94.45 2,192 2.80 97.25 2,254 2.75 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

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

34,541.40 5,848.19 26,717.80 15,677.31 22,949.10 18,953.99 23,503.68 36,753.19 21,473.78 19,579.38 7,497.32 12,203.23 13,822.28 23,250.80 25,360.73 24,572.40 331,420.32 91,090.95 67,940.39 10,407.15 833,563.38

34,541.40 4.14 40,389.59 0.70 67,107.39 3.21 82,784.70 1.88 105,733.80 2.75 124,687.80 2.27 148,191.48 2.82 184,944.67 4.41 206,418.45 2.58 225,997.83 2.35 233,495.15 0.90 245,698.37 1.46 259,520.65 1.66 282,771.45 2.79 308,132.18 3.04 332,704.58 2.95 664,124.89 39.76 755,215.84 10.93 823,156.23 8.15 833,563.38 1.25

4.14 4.85 8.05 9.93 12.68 14.96 17.78 22.19 24.76 27.11 28.01 29.48 31.13 33.92 36.97 39.91 79.67 90.60 98.75 100.00

LOSS RATIO PERCENTAGE BAND CUM 73.47 17.54 38.27 22.51 21.83 25.97 33.47 55.32 45.52 61.60 27.66 35.28 52.97 62.37 96.36 50.21 696.80 449.18 244.16 87.53

73.47 50.27 44.69 37.66 32.54 31.34 31.66 34.60 35.48 36.84 36.45 36.39 37.01 38.29 40.28 40.88 77.10 85.66 90.51 90.47

90.47

Page 2 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: I.A.R

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

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

15,275 5,605 7,275 6,535 9,912 7,582 6,648 6,562 4,367 2,686 2,286 2,924 2,050 2,797 1,907 3,396 2,918 1,521 1,500 495 94,241

15,275 20,880 28,155 34,690 44,602 52,184 58,832 65,394 69,761 72,447 74,733 77,657 79,707 82,504 84,411 87,807 90,725 92,246 93,746 94,241

16.21 5.95 7.72 6.93 10.52 8.05 7.05 6.96 4.63 2.85 2.43 3.10 2.18 2.97 2.02 3.60 3.10 1.61 1.59 0.53

16.21 22.16 29.88 36.81 47.33 55.37 62.43 69.39 74.02 76.87 79.30 82.40 84.58 87.55 89.57 93.17 96.27 97.88 99.47 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 18,887.26 3,801.90 2,429.54 3,041.52 7,623.33 7,579.05 10,109.80 13,135.99 11,582.72 8,693.70 8,510.32 13,586.11 11,313.69 23,744.03 16,476.56 42,814.79 48,143.69 33,043.71 41,627.81 430,551.01 756,696.54

18,887.26 2.50 2.50 22,689.16 0.50 3.00 25,118.70 0.32 3.32 28,160.22 0.40 3.72 35,783.55 1.01 4.73 43,362.61 1.00 5.73 53,472.41 1.34 7.07 66,608.40 1.74 8.80 78,191.12 1.53 10.33 86,884.83 1.15 11.48 95,395.15 1.12 12.61 108,981.25 1.80 14.40 120,294.95 1.50 15.90 144,038.98 3.14 19.04 160,515.54 2.18 21.21 203,330.32 5.66 26.87 251,474.01 6.36 33.23 284,517.72 4.37 37.60 326,145.53 5.50 43.10 756,696.54 56.90 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

504 99 111 136 173 138 130 169 102 68 70 134 131 157 124 237 346 327 413 515 4,084

504 603 714 850 1,023 1,161 1,291 1,460 1,562 1,630 1,700 1,834 1,965 2,122 2,246 2,483 2,829 3,156 3,569 4,084

12.34 12.34 2.42 14.76 2.72 17.48 3.33 20.81 4.24 25.05 3.38 28.43 3.18 31.61 4.14 35.75 2.50 38.25 1.67 39.91 1.71 41.63 3.28 44.91 3.21 48.11 3.84 51.96 3.04 55.00 5.80 60.80 8.47 69.27 8.01 77.28 10.11 87.39 12.61 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 240,179.84 8,012.06 2,817.49 2,996.17 7,043.05 7,995.82 11,726.05 19,124.78 12,167.47 5,967.32 17,882.35 11,261.38 56,488.59 77,597.62 31,338.89 115,622.58 127,980.39 152,537.78 290,297.38 858,643.08 2,057,680.07

240,179.84 11.67 11.67 248,191.90 0.39 12.06 251,009.39 0.14 12.20 254,005.55 0.15 12.34 261,048.60 0.34 12.69 269,044.42 0.39 13.08 280,770.48 0.57 13.65 299,895.25 0.93 14.57 312,062.72 0.59 15.17 318,030.04 0.29 15.46 335,912.38 0.87 16.32 347,173.77 0.55 16.87 403,662.35 2.75 19.62 481,259.97 3.77 23.39 512,598.87 1.52 24.91 628,221.45 5.62 30.53 756,201.84 6.22 36.75 908,739.62 7.41 44.16 1,199,037.00 14.11 58.27 2,057,680.07 41.73 100.00

1271.65 210.74 115.97 98.51 92.39 105.50 115.99 145.59 105.05 68.64 210.13 82.89 499.29 326.81 190.20 270.05 265.83 461.62 697.36 199.43

1271.65 1093.88 999.29 902.00 729.52 620.45 525.08 450.24 399.10 366.04 352.13 318.56 335.56 334.12 319.35 308.97 300.71 319.40 367.64 271.93

271.93

Page 3 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: L.O.P

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

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. 14 10 51 13 16 26 10 26 21 14 15 9 12 33 23 36 53 36 29 10

457

14 24 75 88 104 130 140 166 187 201 216 225 237 270 293 329 382 418 447 457

3.06 2.19 11.16 2.84 3.50 5.69 2.19 5.69 4.60 3.06 3.28 1.97 2.63 7.22 5.03 7.88 11.60 7.88 6.35 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 BAND CUM. 2 0 0 2 0 1 0 0 0 0 0 0 1 0 0 3 1 0 11 0 21

2 2 2 4 4 5 5 5 5 5 5 5 6 6 6 9 10 10 21 21

9.52 9.52 0.00 9.52 0.00 9.52 9.52 19.05 0.00 19.05 4.76 23.81 0.00 23.81 0.00 23.81 0.00 23.81 0.00 23.81 0.00 23.81 0.00 23.81 4.76 28.57 0.00 28.57 0.00 28.57 14.29 42.86 4.76 47.62 0.00 47.62 52.38 100.00 0.00 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 163.41 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 0.00 398.67 7.27 0.00 504.94 0.00 1,136.80

163.41 14.37 163.41 0.00 163.41 0.00 173.69 0.90 173.69 0.00 179.07 0.47 179.07 0.00 179.07 0.00 179.07 0.00 179.07 0.00 179.07 0.00 179.07 0.00 225.91 4.12 225.91 0.00 225.91 0.00 624.59 35.07 631.86 0.64 631.86 0.00 1,136.80 44.42 1,136.80 0.00

14.37 14.37 14.37 15.28 15.28 15.75 15.75 15.75 15.75 15.75 15.75 15.75 19.87 19.87 19.87 54.94 55.58 55.58 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM 2788.88 0.00 0.00 168.91 0.00 36.99 0.00 0.00 0.00 0.00 0.00 0.00 68.71 0.00 0.00 119.70 1.49 0.00 185.12 0.00

2788.88 1695.37 1303.07 932.41 612.68 417.61 327.75 156.79 100.92 88.27 72.14 61.98 63.26 41.56 35.31 64.20 43.29 31.08 49.30 36.40

36.40

Page 4 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: Earthquake

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

8,171 2,528 3,920 2,844 3,702 2,923 2,607 2,709 1,999 1,225 1,157 1,358 1,135 1,598 1,154 1,920 1,731 877 925 342 44,825

8,171 10,699 14,619 17,463 21,165 24,088 26,695 29,404 31,403 32,628 33,785 35,143 36,278 37,876 39,030 40,950 42,681 43,558 44,483 44,825

18.23 5.64 8.75 6.34 8.26 6.52 5.82 6.04 4.46 2.73 2.58 3.03 2.53 3.56 2.57 4.28 3.86 1.96 2.06 0.76

18.23 23.87 32.61 38.96 47.22 53.74 59.55 65.60 70.06 72.79 75.37 78.40 80.93 84.50 87.07 91.36 95.22 97.17 99.24 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 20,489.77 1,115.93 1,302.55 1,528.05 2,338.51 2,641.80 3,086.17 4,260.05 3,836.24 3,128.67 2,903.10 4,311.74 4,191.88 8,493.33 7,477.29 20,325.06 26,283.17 17,518.52 29,177.60 24,196.85 188,606.29

20,489.77 21,605.70 22,908.25 24,436.29 26,774.81 29,416.61 32,502.78 36,762.83 40,599.07 43,727.74 46,630.85 50,942.59 55,134.47 63,627.81 71,105.09 91,430.16 117,713.33 135,231.85 164,409.44 188,606.29

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 2.29 27.01 2.22 29.23 4.50 33.74 3.96 37.70 10.78 48.48 13.94 62.41 9.29 71.70 15.47 87.17 12.83 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

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

19 4 11 10 20 10 12 7 12 4 6 8 11 59 7 13 17 8 5 5

1,715.26 357.16 82.07 108.71 264.35 447.29 272.49 706.69 1,693.01 1,226.69 65.25 254.39 355.70 853.92 886.62 4,035.67 7,686.77 1,950.74 41.34 869.28

248

19 23 34 44 64 74 86 93 105 109 115 123 134 193 200 213 230 238 243 248

7.66 7.66 1.61 9.27 4.44 13.71 4.03 17.74 8.06 25.81 4.03 29.84 4.84 34.68 2.82 37.50 4.84 42.34 1.61 43.95 2.42 46.37 3.23 49.60 4.44 54.03 23.79 77.82 2.82 80.65 5.24 85.89 6.85 92.74 3.23 95.97 2.02 97.98 2.02 100.00

23,873.38

1,715.26 7.18 2,072.42 1.50 2,154.49 0.34 2,263.19 0.46 2,527.54 1.11 2,974.83 1.87 3,247.33 1.14 3,954.01 2.96 5,647.02 7.09 6,873.71 5.14 6,938.96 0.27 7,193.35 1.07 7,549.05 1.49 8,402.97 3.58 9,289.59 3.71 13,325.26 16.90 21,012.03 32.20 22,962.77 8.17 23,004.10 0.17 23,873.38 3.64

7.18 8.68 9.02 9.48 10.59 12.46 13.60 16.56 23.65 28.79 29.07 30.13 31.62 35.20 38.91 55.82 88.01 96.19 96.36 100.00

8.37 32.01 6.30 7.11 11.30 16.93 8.83 16.59 44.13 39.21 2.25 5.90 8.49 10.05 11.86 19.86 29.25 11.14 0.14 3.59

8.37 9.59 9.40 9.26 9.44 10.11 9.99 10.76 13.91 15.72 14.88 14.12 13.69 13.21 13.06 14.57 17.85 16.98 13.99 12.66

12.66

Page 5 of 204

RISK AND LOSS PROFILE 2007 GROUP BY OCCUPATION CODE

PT. REASURANSI INTERNASIONAL 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

15/12/2010

DATE

15/03/2011

Mining, Driling Installation, Salt Mines, Peat Extraction, Metallurgical Plant

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. 164 37 40 31 54 39 34 35 33 23 30 29 36 29 25 63 67 40 66 80 955

164 201 241 272 326 365 399 434 467 490 520 549 585 614 639 702 769 809 875 955

17.17 3.87 4.19 3.25 5.65 4.08 3.56 3.66 3.46 2.41 3.14 3.04 3.77 3.04 2.62 6.60 7.02 4.19 6.91 8.38

17.17 21.05 25.24 28.48 34.14 38.22 41.78 45.45 48.90 51.31 54.45 57.49 61.26 64.29 66.91 73.51 80.52 84.71 91.62 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 894.03 44.09 17.09 15.56 31.86 65.13 72.16 68.53 92.70 52.62 110.62 148.32 188.17 290.90 262.12 855.05 817.92 834.38 636.00 1,795.88 7,293.16

894.03 938.12 955.22 970.78 1,002.64 1,067.77 1,139.93 1,208.46 1,301.17 1,353.79 1,464.41 1,612.74 1,800.91 2,091.81 2,353.93 3,208.98 4,026.89 4,861.28 5,497.28 7,293.16

12.26 12.26 0.60 12.86 0.23 13.10 0.21 13.31 0.44 13.75 0.89 14.64 0.99 15.63 0.94 16.57 1.27 17.84 0.72 18.56 1.52 20.08 2.03 22.11 2.58 24.69 3.99 28.68 3.59 32.28 11.72 44.00 11.21 55.21 11.44 66.66 8.72 75.38 24.62 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 1 0 0 1 1 1 1 0 3 2 0 0 5 3 1 3 9 66 99

2 2 3 3 3 4 5 6 7 7 10 12 12 12 17 20 21 24 33 99

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

2.02 2.02 74.89 0.00 2.02 0.00 1.01 3.03 145.31 0.00 3.03 0.00 0.00 3.03 0.00 1.01 4.04 778.95 1.01 5.05 52.87 1.01 6.06 0.80 1.01 7.07 221.75 0.00 7.07 0.00 3.03 10.10 74.44 2.02 12.12 267.42 0.00 12.12 0.00 0.00 12.12 0.00 5.05 17.17 981.97 3.03 20.20 238.58 1.01 21.21 85.34 3.03 24.24 24.11 9.09 33.33 624.33 66.67 100.00 289,640.42 293,211.18

74.89 0.03 0.03 8.38 8.38 74.89 0.00 0.03 0.00 7.98 220.20 0.05 0.08 850.16 23.05 220.20 0.00 0.08 0.00 22.68 220.20 0.00 0.08 0.00 21.96 999.15 0.27 0.34 1195.99 93.57 1,052.02 0.02 0.36 73.26 92.29 1,052.81 0.00 0.36 1.16 87.12 1,274.56 0.08 0.43 239.20 97.96 1,274.56 0.00 0.43 0.00 94.15 1,349.00 0.03 0.46 67.29 92.12 1,616.43 0.09 0.55 180.30 100.23 1,616.43 0.00 0.55 0.00 89.76 1,616.43 0.00 0.55 0.00 77.27 2,598.40 0.33 0.89 374.62 110.39 2,836.98 0.08 0.97 27.90 88.41 2,922.32 0.03 1.00 10.43 72.57 2,946.43 0.01 1.00 2.89 60.61 3,570.76 0.21 1.22 98.16 64.96 293,211.18 98.78 100.00 16128.0 4020.3 4020.36

Page 6 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

15/12/2010

DATE

15/03/2011

Stone, Earth, (Animal) Bones 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. 257 86 132 97 112 105 93 112 67 49 44 68 49 88 62 106 146 76 153 53

1,955

257 343 475 572 684 789 882 994 1,061 1,110 1,154 1,222 1,271 1,359 1,421 1,527 1,673 1,749 1,902 1,955

13.15 4.40 6.75 4.96 5.73 5.37 4.76 5.73 3.43 2.51 2.25 3.48 2.51 4.50 3.17 5.42 7.47 3.89 7.83 2.71

13.15 17.54 24.30 29.26 34.99 40.36 45.12 50.84 54.27 56.78 59.03 62.51 65.01 69.51 72.69 78.11 85.58 89.46 97.29 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 543.22 48.60 70.81 68.44 85.64 113.75 148.67 303.00 235.46 131.74 143.87 267.65 188.42 469.77 291.70 1,136.14 1,463.11 633.14 1,079.50 7,522.95 14,945.59

543.22 3.63 3.63 591.82 0.33 3.96 662.63 0.47 4.43 731.07 0.46 4.89 816.71 0.57 5.46 930.46 0.76 6.23 1,079.13 0.99 7.22 1,382.14 2.03 9.25 1,617.60 1.58 10.82 1,749.35 0.88 11.70 1,893.22 0.96 12.67 2,160.87 1.79 14.46 2,349.29 1.26 15.72 2,819.06 3.14 18.86 3,110.76 1.95 20.81 4,246.91 7.60 28.42 5,710.01 9.79 38.21 6,343.15 4.24 42.44 7,422.65 7.22 49.66 14,945.59 50.34 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 11 0 0 2 0 0 1 1 1 0 0 2 1 0 1 3 4 7 20 23 77

11 11 11 13 13 13 14 15 16 16 16 18 19 19 20 23 27 34 54 77

14.29 14.29 0.00 14.29 0.00 14.29 2.60 16.88 0.00 16.88 0.00 16.88 1.30 18.18 1.30 19.48 1.30 20.78 0.00 20.78 0.00 20.78 2.60 23.38 1.30 24.68 0.00 24.68 1.30 25.97 3.90 29.87 5.19 35.06 9.09 44.16 25.97 70.13 29.87 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 1,907.17 0.00 0.00 310.08 0.00 0.00 6.38 134.86 15.28 0.00 0.00 811.98 39.66 0.00 210.84 63.75 839.88 1,033.72 2,122.09 20,033.58 27,529.28

1,907.17 6.93 1,907.17 0.00 1,907.17 0.00 2,217.25 1.13 2,217.25 0.00 2,217.25 0.00 2,223.62 0.02 2,358.49 0.49 2,373.76 0.06 2,373.76 0.00 2,373.76 0.00 3,185.75 2.95 3,225.41 0.14 3,225.41 0.00 3,436.25 0.77 3,500.01 0.23 4,339.89 3.05 5,373.61 3.75 7,495.70 7.71 27,529.28 72.77

6.93 6.93 6.93 8.05 8.05 8.05 8.08 8.57 8.62 8.62 8.62 11.57 11.72 11.72 12.48 12.71 15.76 19.52 27.23 100.00

351.09 0.00 0.00 453.07 0.00 0.00 4.29 44.51 6.49 0.00 0.00 303.37 21.05 0.00 72.28 5.61 57.40 163.27 196.58 266.30

351.09 322.26 287.82 303.29 271.49 238.30 206.06 170.64 146.75 135.69 125.38 147.43 137.29 114.41 110.46 82.41 76.00 84.72 100.98 184.20

184.20

Page 7 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

15/12/2010

DATE

15/03/2011

Metals

BAND

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

SUM INSURED ER OF POLICIES Mid Points (In Million) f F 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

698 291 429 341 545 433 414 465 343 298 224 312 256 389 264 606 639 329 406 239 7,921

698 989 1,418 1,759 2,304 2,737 3,151 3,616 3,959 4,257 4,481 4,793 5,049 5,438 5,702 6,308 6,947 7,276 7,682 7,921

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 8.81 3.67 5.42 4.31 6.88 5.47 5.23 5.87 4.33 3.76 2.83 3.94 3.23 4.91 3.33 7.65 8.07 4.15 5.13 3.02

8.81 12.49 17.90 22.21 29.09 34.55 39.78 45.65 49.98 53.74 56.57 60.51 63.74 68.65 71.99 79.64 87.70 91.86 96.98 100.00

3,349.73 98.06 159.91 175.98 459.69 426.94 768.43 888.85 974.28 850.93 898.88 1,546.14 1,407.30 2,522.19 2,005.84 6,919.22 8,375.52 4,428.27 4,133.34 1,163.32 41,552.84

CLAIM FREQUENCY CLAIM SEVERITY ( In Million Rp) PERCENTAGE RCENTAGE f F rp RP BAND CUM. BAND CUM.

3,349.73 8.06 8.06 3,447.80 0.24 8.30 3,607.71 0.38 8.68 3,783.69 0.42 9.11 4,243.38 1.11 10.21 4,670.32 1.03 11.24 5,438.76 1.85 13.09 6,327.60 2.14 15.23 7,301.89 2.34 17.57 8,152.82 2.05 19.62 9,051.70 2.16 21.78 10,597.84 3.72 25.50 12,005.14 3.39 28.89 14,527.33 6.07 34.96 16,533.17 4.83 39.79 23,452.39 16.65 56.44 31,827.91 20.16 76.60 36,256.19 10.66 87.25 40,389.52 9.95 97.20 41,552.84 2.80 100.00

49 1 4 4 1 3 1 9 4 8 2 2 7 8 6 25 34 26 33 20 247

49 50 54 58 59 62 63 72 76 84 86 88 95 103 109 134 168 194 227 247

19.84 19.84 0.40 20.24 1.62 21.86 1.62 23.48 0.40 23.89 1.21 25.10 0.40 25.51 3.64 29.15 1.62 30.77 3.24 34.01 0.81 34.82 0.81 35.63 2.83 38.46 3.24 41.70 2.43 44.13 10.12 54.25 13.77 68.02 10.53 78.54 13.36 91.90 8.10 100.00

6,084.63 8.72 104.74 200.97 16.68 1,127.07 341.72 409.56 2,816.68 1,333.02 41.26 205.74 895.55 4,620.86 450.76 4,707.49 25,949.01 1,443.34 78,629.33 4,552.36 133,939.48

PERCENTAGE BAND CUM.

6,084.63 4.54 4.54 6,093.35 0.01 4.55 6,198.09 0.08 4.63 6,399.05 0.15 4.78 6,415.74 0.01 4.79 7,542.80 0.84 5.63 7,884.53 0.26 5.89 8,294.09 0.31 6.19 11,110.77 2.10 8.30 12,443.78 1.00 9.29 12,485.04 0.03 9.32 12,690.78 0.15 9.48 13,586.34 0.67 10.14 18,207.20 3.45 13.59 18,657.95 0.34 13.93 23,365.44 3.51 17.44 49,314.45 19.37 36.82 50,757.79 1.08 37.90 129,387.1 58.71 96.60 133,939.4 3.40 100.00

LOSS RATIO PERCENTAGE BAND CUM 181.65 8.90 65.50 114.20 3.63 263.99 44.47 46.08 289.10 156.65 4.59 13.31 63.64 183.21 22.47 68.03 309.82 32.59 1902.32 391.32

181.65 176.73 171.80 169.12 151.19 161.50 144.97 131.08 152.16 152.63 137.93 119.75 113.17 125.33 112.85 99.63 154.94 140.00 320.35 322.34

322.34

Page 8 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

15/12/2010

DATE

15/03/2011

Chemicals / Oil / 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. 986 214 330 335 593 588 557 644 463 348 363 429 362 557 372 734 645 316 330 195

9,361

986 1,200 1,530 1,865 2,458 3,046 3,603 4,247 4,710 5,058 5,421 5,850 6,212 6,769 7,141 7,875 8,520 8,836 9,166 9,361

10.53 2.29 3.53 3.58 6.33 6.28 5.95 6.88 4.95 3.72 3.88 4.58 3.87 5.95 3.97 7.84 6.89 3.38 3.53 2.08

10.53 12.82 16.34 19.92 26.26 32.54 38.49 45.37 50.32 54.03 57.91 62.49 66.36 72.31 76.28 84.13 91.02 94.39 97.92 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5,423.92 248.92 360.45 413.64 869.64 1,089.25 1,396.69 2,035.88 2,092.75 1,921.81 1,958.19 2,812.86 2,929.59 5,336.37 4,295.45 10,054.74 13,809.37 5,631.24 4,989.25 8,429.22 76,099.21

5,423.92 7.13 7.13 5,672.85 0.33 7.45 6,033.29 0.47 7.93 6,446.94 0.54 8.47 7,316.57 1.14 9.61 8,405.82 1.43 11.05 9,802.51 1.84 12.88 11,838.39 2.68 15.56 13,931.14 2.75 18.31 15,852.96 2.53 20.83 17,811.14 2.57 23.41 20,624.00 3.70 27.10 23,553.59 3.85 30.95 28,889.96 7.01 37.96 33,185.40 5.64 43.61 43,240.14 13.21 56.82 57,049.51 18.15 74.97 62,680.74 7.40 82.37 67,669.99 6.56 88.92 76,099.21 11.08 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 60 4 4 9 5 11 2 15 15 9 13 6 12 10 20 37 41 22 40 11

346

60 64 68 77 82 93 95 110 125 134 147 153 165 175 195 232 273 295 335 346

17.34 17.34 1.16 18.50 1.16 19.65 2.60 22.25 1.45 23.70 3.18 26.88 0.58 27.46 4.34 31.79 4.34 36.13 2.60 38.73 3.76 42.49 1.73 44.22 3.47 47.69 2.89 50.58 5.78 56.36 10.69 67.05 11.85 78.90 6.36 85.26 11.56 96.82 3.18 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 159,274.61 5,510.59 352.88 729.67 538.85 406.10 1,145.95 5,071.07 4,891.72 3,024.49 6,938.44 3,349.28 2,620.96 5,573.16 3,787.61 38,981.16 35,631.03 3,700.02 22,858.16 10,577.01 314,962.76

159,274.61 50.57 164,785.21 1.75 165,138.08 0.11 165,867.75 0.23 166,406.60 0.17 166,812.70 0.13 167,958.65 0.36 173,029.72 1.61 177,921.44 1.55 180,945.93 0.96 187,884.37 2.20 191,233.65 1.06 193,854.61 0.83 199,427.77 1.77 203,215.38 1.20 242,196.54 12.38 277,827.57 11.31 281,527.59 1.17 304,385.75 7.26 314,962.76 3.36

50.57 52.32 52.43 52.66 52.83 52.96 53.33 54.94 56.49 57.45 59.65 60.72 61.55 63.32 64.52 76.90 88.21 89.38 96.64 100.00

2936.5 2213.7 97.90 176.40 61.96 37.28 82.05 249.08 233.75 157.38 354.33 119.07 89.47 104.44 88.18 387.69 258.02 65.71 458.15 125.48

2936.5 2904.8 2737.1 2572.8 2274.3 1984.4 1713.4 1461.6 1277.1 1141.4 1054.8 927.24 823.04 690.30 612.36 560.12 486.99 449.15 449.81 413.88

413.88

Page 9 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

15/12/2010

DATE

15/03/2011

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.

1,126 819 1,660 1,347 1,756 1,064 802 763 575 339 324 373 296 370 239 542 561 311 436 154 13,857

1,126 1,945 3,605 4,952 6,708 7,772 8,574 9,337 9,912 10,251 10,575 10,948 11,244 11,614 11,853 12,395 12,956 13,267 13,703 13,857

8.13 5.91 11.98 9.72 12.67 7.68 5.79 5.51 4.15 2.45 2.34 2.69 2.14 2.67 1.72 3.91 4.05 2.24 3.15 1.11

8.13 14.04 26.02 35.74 48.41 56.09 61.87 67.38 71.53 73.98 76.32 79.01 81.14 83.81 85.54 89.45 93.50 95.74 98.89 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,444.71 395.09 983.57 1,227.92 2,470.51 2,056.82 2,088.48 2,565.12 2,249.31 1,602.07 1,743.47 2,385.24 2,041.86 3,126.21 2,400.60 7,905.40 9,677.87 4,410.35 7,505.24 6,096.28 66,376.13

3,444.71 5.19 5.19 3,839.79 0.60 5.78 4,823.37 1.48 7.27 6,051.29 1.85 9.12 8,521.80 3.72 12.84 10,578.62 3.10 15.94 12,667.10 3.15 19.08 15,232.22 3.86 22.95 17,481.54 3.39 26.34 19,083.60 2.41 28.75 20,827.08 2.63 31.38 23,212.31 3.59 34.97 25,254.17 3.08 38.05 28,380.38 4.71 42.76 30,780.98 3.62 46.37 38,686.38 11.91 58.28 48,364.26 14.58 72.86 52,774.61 6.64 79.51 60,279.85 11.31 90.82 66,376.13 9.18 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 32 3 4 3 2 3 8 18 7 4 5 10 18 21 15 40 63 49 43 26

374

32 35 39 42 44 47 55 73 80 84 89 99 117 138 153 193 256 305 348 374

8.56 8.56 0.80 9.36 1.07 10.43 0.80 11.23 0.53 11.76 0.80 12.57 2.14 14.71 4.81 19.52 1.87 21.39 1.07 22.46 1.34 23.80 2.67 26.47 4.81 31.28 5.61 36.90 4.01 40.91 10.70 51.60 16.84 68.45 13.10 81.55 11.50 93.05 6.95 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 16,379.26 473.41 303.48 186.46 78.62 126.91 2,394.22 1,749.34 869.41 590.63 241.59 1,008.91 72.86 3,537.08 632.51 2,776.52 5,340.67 3,752.62 117,292.79 4,877.21 162,684.49

16,379.26 10.07 16,852.67 0.29 17,156.15 0.19 17,342.61 0.11 17,421.22 0.05 17,548.13 0.08 19,942.35 1.47 21,691.69 1.08 22,561.10 0.53 23,151.72 0.36 23,393.31 0.15 24,402.22 0.62 24,475.09 0.04 28,012.16 2.17 28,644.67 0.39 31,421.19 1.71 36,761.86 3.28 40,514.49 2.31 157,807.28 72.10 162,684.49 3.00

10.07 10.36 10.55 10.66 10.71 10.79 12.26 13.33 13.87 14.23 14.38 15.00 15.04 17.22 17.61 19.31 22.60 24.90 97.00 100.00

475.49 119.82 30.85 15.19 3.18 6.17 114.64 68.20 38.65 36.87 13.86 42.30 3.57 113.14 26.35 35.12 55.18 85.09 1562.8 80.00

475.49 438.90 355.69 286.59 204.43 165.88 157.43 142.41 129.06 121.32 112.32 105.13 96.92 98.70 93.06 81.22 76.01 76.77 261.79 245.09

245.09

Page 10 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

15/12/2010

DATE

15/03/2011

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. 846 645 921 696 955 650 490 617 449 297 262 340 239 379 258 469 356 226 213 62

9,370

846 1,491 2,412 3,108 4,063 4,713 5,203 5,820 6,269 6,566 6,828 7,168 7,407 7,786 8,044 8,513 8,869 9,095 9,308 9,370

9.03 6.88 9.83 7.43 10.19 6.94 5.23 6.58 4.79 3.17 2.80 3.63 2.55 4.04 2.75 5.01 3.80 2.41 2.27 0.66

9.03 15.91 25.74 33.17 43.36 50.30 55.53 62.11 66.91 70.07 72.87 76.50 79.05 83.09 85.85 90.85 94.65 97.07 99.34 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,908.62 505.31 608.69 732.57 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 7,677.41 2,120.84 66,029.16

3,908.62 5.92 5.92 4,413.92 0.77 6.68 5,022.61 0.92 7.61 5,755.18 1.11 8.72 7,156.44 2.12 10.84 8,537.01 2.09 12.93 9,894.69 2.06 14.99 12,217.59 3.52 18.50 14,356.93 3.24 21.74 16,126.54 2.68 24.42 17,701.37 2.39 26.81 20,557.14 4.33 31.13 22,628.00 3.14 34.27 26,597.03 6.01 40.28 30,291.16 5.59 45.88 39,002.34 13.19 59.07 50,819.29 17.90 76.96 56,230.91 8.20 85.16 63,908.32 11.63 96.79 66,029.16 3.21 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 22 0 2 3 7 1 10 11 8 1 13 10 7 10 7 21 23 11 19 4

190

22 22 24 27 34 35 45 56 64 65 78 88 95 105 112 133 156 167 186 190

11.58 11.58 0.00 11.58 1.05 12.63 1.58 14.21 3.68 17.89 0.53 18.42 5.26 23.68 5.79 29.47 4.21 33.68 0.53 34.21 6.84 41.05 5.26 46.32 3.68 50.00 5.26 55.26 3.68 58.95 11.05 70.00 12.11 82.11 5.79 87.89 10.00 97.89 2.11 100.00

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 8,267.23 0.00 180.23 155.12 149.83 696.42 898.42 1,791.17 2,337.03 1,996.02 2,937.23 3,049.67 426.90 1,295.02 8,758.94 5,708.88 36,342.80 87,866.80 46,178.25 1,920.14 210,956.08

8,267.23 3.92 8,267.23 0.00 8,447.46 0.09 8,602.58 0.07 8,752.42 0.07 9,448.83 0.33 10,347.25 0.43 12,138.42 0.85 14,475.45 1.11 16,471.47 0.95 19,408.70 1.39 22,458.36 1.45 22,885.26 0.20 24,180.28 0.61 32,939.22 4.15 38,648.10 2.71 74,990.89 17.23 162,857.69 41.65 209,035.95 21.89 210,956.08 0.91

3.92 3.92 4.00 4.08 4.15 4.48 4.90 5.75 6.86 7.81 9.20 10.65 10.85 11.46 15.61 18.32 35.55 77.20 99.09 100.00

211.51 0.00 29.61 21.17 10.69 50.44 66.17 77.11 109.24 112.79 186.51 106.79 20.61 32.63 237.10 65.54 307.55 1623.6 601.48 90.54

211.51 187.30 168.19 149.48 122.30 110.68 104.57 99.35 100.83 102.14 109.65 109.25 101.14 90.91 108.74 99.09 147.56 289.62 327.09 319.49

319.49

Page 11 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 26

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2010

DATE

15/03/2011

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. 872 618 706 489 624 364 418 431 342 221 167 317 178 300 221 339 284 162 182 36

7,271

872 1,490 2,196 2,685 3,309 3,673 4,091 4,522 4,864 5,085 5,252 5,569 5,747 6,047 6,268 6,607 6,891 7,053 7,235 7,271

11.99 8.50 9.71 6.73 8.58 5.01 5.75 5.93 4.70 3.04 2.30 4.36 2.45 4.13 3.04 4.66 3.91 2.23 2.50 0.50

11.99 20.49 30.20 36.93 45.51 50.52 56.26 62.19 66.90 69.94 72.23 76.59 79.04 83.17 86.21 90.87 94.77 97.00 99.50 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,381.76 487.78 824.42 868.93 1,682.38 1,553.57 2,141.71 3,126.66 2,840.78 2,027.47 2,052.34 3,825.94 2,888.31 5,594.85 5,351.29 10,206.66 10,608.13 4,360.66 10,123.74 2,210.66 75,158.05

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 6,245.28 2.24 8.31 7,798.85 2.07 10.38 9,940.56 2.85 13.23 13,067.22 4.16 17.39 15,908.00 3.78 21.17 17,935.47 2.70 23.86 19,987.81 2.73 26.59 23,813.75 5.09 31.68 26,702.06 3.84 35.53 32,296.91 7.44 42.97 37,648.20 7.12 50.09 47,854.86 13.58 63.67 58,462.99 14.11 77.79 62,823.65 5.80 83.59 72,947.39 13.47 97.06 75,158.05 2.94 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 11 1 6 6 1 8 1 8 6 7 6 6 12 7 5 21 18 8 11 5

154

11 12 18 24 25 33 34 42 48 55 61 67 79 86 91 112 130 138 149 154

7.14 7.14 0.65 7.79 3.90 11.69 3.90 15.58 0.65 16.23 5.19 21.43 0.65 22.08 5.19 27.27 3.90 31.17 4.55 35.71 3.90 39.61 3.90 43.51 7.79 51.30 4.55 55.84 3.25 59.09 13.64 72.73 11.69 84.42 5.19 89.61 7.14 96.75 3.25 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 712.01 15.46 514.58 740.80 54.91 2,418.56 185.78 3,421.20 857.09 671.29 72.08 1,778.79 5,076.49 458.28 2,626.15 17,712.26 6,384.91 4,262.47 4,336.22 4,560.81 56,860.14

712.01 1.25 727.46 0.03 1,242.05 0.90 1,982.85 1.30 2,037.76 0.10 4,456.33 4.25 4,642.10 0.33 8,063.30 6.02 8,920.39 1.51 9,591.68 1.18 9,663.76 0.13 11,442.55 3.13 16,519.04 8.93 16,977.32 0.81 19,603.47 4.62 37,315.72 31.15 43,700.64 11.23 47,963.11 7.50 52,299.33 7.63 56,860.14 8.02

1.25 1.28 2.18 3.49 3.58 7.84 8.16 14.18 15.69 16.87 17.00 20.12 29.05 29.86 34.48 65.63 76.86 84.35 91.98 100.00

29.89 3.17 62.42 85.25 3.26 155.68 8.67 109.42 30.17 33.11 3.51 46.49 175.76 8.19 49.08 173.54 60.19 97.75 42.83 206.31

29.89 25.35 33.62 43.46 32.63 57.14 46.70 61.71 56.07 53.48 48.35 48.05 61.86 52.57 52.07 77.98 74.75 76.35 71.69 75.65

75.65

Page 12 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

15/12/2010

DATE

15/03/2011

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.

3,868 2,192 2,383 1,487 1,818 1,177 927 1,041 719 478 454 596 452 699 537 978 955 471 381 101 21,714

3,868 6,060 8,443 9,930 11,748 12,925 13,852 14,893 15,612 16,090 16,544 17,140 17,592 18,291 18,828 19,806 20,761 21,232 21,613 21,714

17.81 10.09 10.97 6.85 8.37 5.42 4.27 4.79 3.31 2.20 2.09 2.74 2.08 3.22 2.47 4.50 4.40 2.17 1.75 0.47

17.81 27.91 38.88 45.73 54.10 59.52 63.79 68.59 71.90 74.10 76.19 78.94 81.02 84.24 86.71 91.21 95.61 97.78 99.53 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5,292.50 2,453.67 990.59 882.16 1,716.56 1,552.11 1,559.35 2,294.30 2,065.06 1,445.40 1,780.42 2,552.28 2,302.60 4,967.47 4,548.97 10,962.36 13,092.39 7,214.78 5,418.90 5,752.02 78,843.89

5,292.50 6.71 6.71 7,746.18 3.11 9.82 8,736.76 1.26 11.08 9,618.93 1.12 12.20 11,335.48 2.18 14.38 12,887.59 1.97 16.35 14,446.94 1.98 18.32 16,741.24 2.91 21.23 18,806.30 2.62 23.85 20,251.70 1.83 25.69 22,032.11 2.26 27.94 24,584.39 3.24 31.18 26,886.99 2.92 34.10 31,854.46 6.30 40.40 36,403.43 5.77 46.17 47,365.79 13.90 60.08 60,458.18 16.61 76.68 67,672.96 9.15 85.83 73,091.86 6.87 92.70 78,843.89 7.30 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

106 11 3 4 7 10 11 12 6 8 9 12 19 80 18 42 60 50 48 33 549

106 117 120 124 131 141 152 164 170 178 187 199 218 298 316 358 418 468 516 549

19.31 19.31 2.00 21.31 0.55 21.86 0.73 22.59 1.28 23.86 1.82 25.68 2.00 27.69 2.19 29.87 1.09 30.97 1.46 32.42 1.64 34.06 2.19 36.25 3.46 39.71 14.57 54.28 3.28 57.56 7.65 65.21 10.93 76.14 9.11 85.25 8.74 93.99 6.01 100.00

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 38,887.86 522.90 190.35 611.11 382.53 1,715.56 905.32 4,354.85 331.72 2,188.20 1,584.85 1,026.44 4,961.86 56,107.60 9,597.19 25,840.84 23,450.93 3,619.49 11,262.45 38,403.17 225,945.20

38,887.86 39,410.76 39,601.11 40,212.22 40,594.74 42,310.31 43,215.63 47,570.47 47,902.19 50,090.39 51,675.24 52,701.68 57,663.54 113,771.14 123,368.33 149,209.17 172,660.10 176,279.58 187,542.03 225,945.20

17.21 0.23 0.08 0.27 0.17 0.76 0.40 1.93 0.15 0.97 0.70 0.45 2.20 24.83 4.25 11.44 10.38 1.60 4.98 17.00

17.21 17.44 17.53 17.80 17.97 18.73 19.13 21.05 21.20 22.17 22.87 23.32 25.52 50.35 54.60 66.04 76.42 78.02 83.00 100.00

734.77 21.31 19.22 69.27 22.28 110.53 58.06 189.81 16.06 151.39 89.02 40.22 215.49 1129.5 210.98 235.72 179.12 50.17 207.84 667.65

734.77 508.78 453.27 418.05 358.12 328.30 299.13 284.15 254.71 247.34 234.55 214.37 214.47 357.16 338.89 315.01 285.59 260.49 256.58 286.57

286.57

Page 13 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

15/12/2010

DATE

15/03/2011

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. 34 14 11 4 15 4 9 20 4 16 26 14 10 44 17 59 65 22 45 86 519

34 48 59 63 78 82 91 111 115 131 157 171 181 225 242 301 366 388 433 519

6.55 2.70 2.12 0.77 2.89 0.77 1.73 3.85 0.77 3.08 5.01 2.70 1.93 8.48 3.28 11.37 12.52 4.24 8.67 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

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 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 2,486.04 304,877.10 310,963.11

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 2 0 0 0 0 0 0 1 0 4 12 20

1 1 1 1 1 1 1 1 1 3 3 3 3 3 3 3 4 4 8 20

5.00 5.00 0.00 5.00 0.00 5.00 0.00 5.00 0.00 5.00 0.00 5.00 0.00 5.00 0.00 5.00 0.00 5.00 10.00 15.00 0.00 15.00 0.00 15.00 0.00 15.00 0.00 15.00 0.00 15.00 0.00 15.00 5.00 20.00 0.00 20.00 20.00 40.00 60.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 374.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8,923.07 0.00 0.00 0.00 0.00 0.00 0.00 68.59 0.00 3,816.41 112,873.09 126,056.14

374.98 0.30 374.98 0.00 374.98 0.00 374.98 0.00 374.98 0.00 374.98 0.00 374.98 0.00 374.98 0.00 374.98 0.00 9,298.04 7.08 9,298.04 0.00 9,298.04 0.00 9,298.04 0.00 9,298.04 0.00 9,298.04 0.00 9,298.04 0.00 9,366.64 0.05 9,366.64 0.00 13,183.04 3.03 126,056.14 89.54

0.30 285.88 285.88 0.30 0.00 257.15 0.30 0.00 253.08 0.30 0.00 247.94 0.30 0.00 233.33 0.30 0.00 230.52 0.30 0.00 221.88 0.30 0.00 172.98 0.30 0.00 164.74 7.38 23481. 3500.5 7.38 0.00 3099.1 7.38 0.00 2865.6 7.38 0.00 2637.6 7.38 0.00 1715.4 7.38 0.00 1449.4 7.38 0.00 747.38 7.43 8.72 461.16 7.43 0.00 260.19 10.46 153.51 216.61 100.00 37.02 40.54 40.54

Page 14 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

15/12/2010

DATE

15/03/2011

Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotels, Entertainment, Sports 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 Shops, Private Buildings, Propierty of Public Bodies NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE rp RP f F 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

154,674 147,735 174,722 106,291 112,452 56,509 38,664 29,088 15,996 8,077 6,274 6,917 4,493 5,349 3,361 4,441 3,081 1,281 1,204 289

569 214 315 290 405 249 209 202 140 80 66 137 125 132 104 153 199 205 258 382

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

880,898

154,674 302,409 477,131 583,422 695,874 752,383 791,047 820,135 836,131 844,208 850,482 857,399 861,892 867,241 870,602 875,043 878,124 879,405 880,609 880,898

17.56 16.77 19.83 12.07 12.77 6.41 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

17.56 34.33 54.16 66.23 79.00 85.41 89.80 93.10 94.92 95.83 96.55 97.33 97.84 98.45 98.83 99.34 99.69 99.83 99.97 100.00

60,389.89 33,890.86 69,412.02 69,757.69 106,259.23 74,696.85 73,817.96 69,813.64 49,825.01 33,668.86 28,104.14 35,891.53 27,482.08 42,561.38 26,820.93 52,951.70 46,985.66 34,352.45 53,136.59 127,365.10 1,117,183.55

60,389.89 5.41 5.41 94,280.75 3.03 8.44 163,692.77 6.21 14.65 233,450.45 6.24 20.90 339,709.68 9.51 30.41 414,406.53 6.69 37.09 488,224.49 6.61 43.70 558,038.13 6.25 49.95 607,863.14 4.46 54.41 641,532.00 3.01 57.42 669,636.14 2.52 59.94 705,527.67 3.21 63.15 733,009.75 2.46 65.61 775,571.13 3.81 69.42 802,392.06 2.40 71.82 855,343.75 4.74 76.56 902,329.42 4.21 80.77 936,681.87 3.07 83.84 989,818.45 4.76 88.60 1,117,183.55 11.40 100.00

4,434

569 12.83 12.83 783 4.83 17.66 1,098 7.10 24.76 1,388 6.54 31.30 1,793 9.13 40.44 2,042 5.62 46.05 2,251 4.71 50.77 2,453 4.56 55.32 2,593 3.16 58.48 2,673 1.80 60.28 2,739 1.49 61.77 2,876 3.09 64.86 3,001 2.82 67.68 3,133 2.98 70.66 3,237 2.35 73.00 3,390 3.45 76.45 3,589 4.49 80.94 3,794 4.62 85.57 4,052 5.82 91.38 4,434 8.62 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 44,546.75 7,686.33 27,823.93 15,858.26 29,031.98 19,543.61 29,571.58 38,946.37 22,991.70 8,046.67 13,555.04 12,118.25 56,609.84 29,579.88 30,445.78 48,459.96 332,016.74 137,242.69 71,028.85 382,481.71 1,357,585.92

44,546.75 3.28 52,233.08 0.57 80,057.01 2.05 95,915.27 1.17 124,947.25 2.14 144,490.86 1.44 174,062.43 2.18 213,008.80 2.87 236,000.50 1.69 244,047.17 0.59 257,602.21 1.00 269,720.46 0.89 326,330.30 4.17 355,910.18 2.18 386,355.96 2.24 434,815.92 3.57 766,832.66 24.46 904,075.35 10.11 975,104.21 5.23 1,357,585.92 28.17

3.28 3.85 5.90 7.07 9.20 10.64 12.82 15.69 17.38 17.98 18.98 19.87 24.04 26.22 28.46 32.03 56.49 66.59 71.83 100.00

73.77 73.77 22.68 55.40 40.09 48.91 22.73 41.09 27.32 36.78 26.16 34.87 40.06 35.65 55.79 38.17 46.14 38.82 23.90 38.04 48.23 38.47 33.76 38.23 205.99 44.52 69.50 45.89 113.52 48.15 91.52 50.84 706.63 84.98 399.51 96.52 133.67 98.51 300.30 121.52 121.52 Page 15 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

15/12/2010

DATE

15/03/2011

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. 26 8 17 9 8 14 7 4 6 4 2 3 3 2 3 2 3 0 0 0 121

26 34 51 60 68 82 89 93 99 103 105 108 111 113 116 118 121 121 121 121

21.49 6.61 14.05 7.44 6.61 11.57 5.79 3.31 4.96 3.31 1.65 2.48 2.48 1.65 2.48 1.65 2.48 0.00 0.00 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

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

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 16 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

15/12/2010

DATE

15/03/2011

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. 30 8 15 8 30 21 26 28 30 22 28 45 35 60 42 71 94 76 24 21 714

30 38 53 61 91 112 138 166 196 218 246 291 326 386 428 499 593 669 693 714

4.20 1.12 2.10 1.12 4.20 2.94 3.64 3.92 4.20 3.08 3.92 6.30 4.90 8.40 5.88 9.94 13.17 10.64 3.36 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 BAND CUM. 1 0 0 0 0 23 0 35 0 0 0 1 0 2 0 5 8 6 2 0 83

1 1.20 1.20 1 0.00 1.20 1 0.00 1.20 1 0.00 1.20 1 0.00 1.20 24 27.71 28.92 24 0.00 28.92 59 42.17 71.08 59 0.00 71.08 59 0.00 71.08 59 0.00 71.08 60 1.20 72.29 60 0.00 72.29 62 2.41 74.70 62 0.00 74.70 67 6.02 80.72 75 9.64 90.36 81 7.23 97.59 83 2.41 100.00 83 0.00 100.00

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

19.83 0.00 0.00 0.00 0.00 589.30 0.00 705.45 0.00 0.00 0.00 6.34 0.00 471.33 0.00 17.22 675.41 338.17 43.64 0.00 2,866.70

19.83 19.83 19.83 19.83 19.83 609.13 609.13 1,314.58 1,314.58 1,314.58 1,314.58 1,320.92 1,320.92 1,792.25 1,792.25 1,809.48 2,484.89 2,823.06 2,866.70 2,866.70

0.69 0.00 0.00 0.00 0.00 20.56 0.00 24.61 0.00 0.00 0.00 0.22 0.00 16.44 0.00 0.60 23.56 11.80 1.52 0.00

0.69 6.47 6.47 0.69 0.00 6.46 0.69 0.00 6.26 0.69 0.00 6.17 0.69 0.00 5.61 21.25 264.59 105.75 21.25 0.00 102.07 45.86 221.17 143.56 45.86 0.00 136.39 45.86 0.00 131.54 45.86 0.00 122.82 46.08 8.47 115.34 46.08 0.00 113.56 62.52 366.41 138.74 62.52 0.00 127.96 63.12 3.11 92.54 86.68 28.83 57.81 98.48 29.33 51.79 100.00 46.04 51.69 100.00 0.00 50.87 50.87

Page 17 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

15/12/2010

DATE

15/03/2011

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. 23 12 14 2 16 1 1 5 3 4 1 2 1 16 3 19 21 11 5 1 161

23 35 49 51 67 68 69 74 77 81 82 84 85 101 104 123 144 155 160 161

14.29 7.45 8.70 1.24 9.94 0.62 0.62 3.11 1.86 2.48 0.62 1.24 0.62 9.94 1.86 11.80 13.04 6.83 3.11 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 BAND CUM. BAND CUM

0.68 0.00 1.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 59.14 94.49 11.64 309.44 531.90 580.40 0.00 1,589.54

0.68 0.04 0.68 0.00 2.54 0.12 2.54 0.00 2.54 0.00 2.54 0.00 2.54 0.00 2.54 0.00 2.54 0.00 2.54 0.00 2.54 0.00 2.54 0.00 2.54 0.00 61.68 3.72 156.16 5.94 167.81 0.73 477.24 19.47 1,009.14 33.46 1,589.54 36.51 1,589.54 0.00

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 18 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 40

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2010

DATE

15/03/2011

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. 853 63 65 27 28 15 10 9 4 2 6 10 6 12 7 20 8 14 7 0

1,166

853 916 981 1,008 1,036 1,051 1,061 1,070 1,074 1,076 1,082 1,092 1,098 1,110 1,117 1,137 1,145 1,159 1,166 1,166

73.16 5.40 5.57 2.32 2.40 1.29 0.86 0.77 0.34 0.17 0.51 0.86 0.51 1.03 0.60 1.72 0.69 1.20 0.60 0.00

73.16 78.56 84.13 86.45 88.85 90.14 90.99 91.77 92.11 92.28 92.80 93.65 94.17 95.20 95.80 97.51 98.20 99.40 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 285.36 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 2,705.49

285.36 318.85 369.03 414.40 458.22 490.28 506.82 531.29 547.36 562.31 630.87 725.03 807.45 1,037.97 1,383.27 2,170.82 2,448.77 2,701.59 2,705.49 2,705.49

10.55 10.55 1.24 11.79 1.85 13.64 1.68 15.32 1.62 16.94 1.19 18.12 0.61 18.73 0.90 19.64 0.59 20.23 0.55 20.78 2.53 23.32 3.48 26.80 3.05 29.84 8.52 38.37 12.76 51.13 29.11 80.24 10.27 90.51 9.34 99.86 0.14 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE 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

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE 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 1,764.15 11.11 0.00 1,941.43

70.01 3.61 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 4.95 166.18 0.00 166.18 0.00 166.18 0.00 166.18 0.00 166.18 0.00 1,930.32 90.87 1,941.43 0.57 1,941.43 0.00

3.61 24.53 3.61 0.00 3.61 0.00 3.61 0.00 3.61 0.00 3.61 0.00 3.61 0.00 3.61 0.00 3.61 0.00 3.61 0.00 3.61 0.00 8.56 102.13 8.56 0.00 8.56 0.00 8.56 0.00 8.56 0.00 8.56 0.00 99.43 697.79 100.00 284.93 100.00 0.00

24.53 21.96 18.97 16.89 15.28 14.28 13.81 13.18 12.79 12.45 11.10 22.92 20.58 16.01 12.01 7.65 6.79 71.45 71.76 71.76

71.76

Page 19 of 204

RISK AND LOSS PROFILE 2007 GROUP BY PROVINCE

PT. REASURANSI INTERNASIONAL 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 DARUSALAM

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,214 1,576 1,955 1,055 794 333 236 129 61 16 20 20 21 19 12 5 24 18 4 16 7,528

1,214 2,790 4,745 5,800 6,594 6,927 7,163 7,292 7,353 7,369 7,389 7,409 7,430 7,449 7,461 7,466 7,490 7,508 7,512 7,528

16.13 20.94 25.97 14.01 10.55 4.42 3.13 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 37.06 63.03 77.05 87.59 92.02 95.15 96.87 97.68 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. 253.70 585.22 1,377.76 1,468.15 1,292.06 760.76 673.52 396.92 232.75 65.63 56.91 119.84 137.01 132.58 136.32 99.21 491.54 470.33 752.81 1,117.22 10,620.24

253.70 838.92 2,216.68 3,684.83 4,976.89 5,737.64 6,411.17 6,808.09 7,040.83 7,106.47 7,163.38 7,283.22 7,420.23 7,552.81 7,689.13 7,788.34 8,279.88 8,750.20 9,503.02 10,620.24

2.39 2.39 5.51 7.90 12.97 20.87 13.82 34.70 12.17 46.86 7.16 54.03 6.34 60.37 3.74 64.10 2.19 66.30 0.62 66.91 0.54 67.45 1.13 68.58 1.29 69.87 1.25 71.12 1.28 72.40 0.93 73.33 4.63 77.96 4.43 82.39 7.09 89.48 10.52 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

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

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

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

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

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 8.08 12.39 9.32 12.36 10.72 9.59 9.03 8.73 9.52 9.45 9.29 9.12 8.96 8.80 8.69 8.17 10.83 9.97 8.93

8.93

Page 20 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 8,717 8,528 13,362 8,514 7,960 3,168 2,304 1,527 897 438 372 456 307 358 226 386 352 140 96 30 58,138

8,717 17,245 30,607 39,121 47,081 50,249 52,553 54,080 54,977 55,415 55,787 56,243 56,550 56,908 57,134 57,520 57,872 58,012 58,108 58,138

14.99 14.67 22.98 14.64 13.69 5.45 3.96 2.63 1.54 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

14.99 29.66 52.65 67.29 80.98 86.43 90.39 93.02 94.56 95.32 95.96 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. 4,066.14 1,917.41 4,609.72 4,791.48 7,267.56 4,335.54 4,773.85 4,189.36 3,213.66 2,348.25 2,130.56 3,127.87 2,436.59 3,633.68 2,514.99 6,686.58 7,902.44 3,544.23 3,245.86 2,565.63 79,301.41

4,066.14 5,983.55 10,593.27 15,384.75 22,652.31 26,987.85 31,761.70 35,951.05 39,164.72 41,512.97 43,643.53 46,771.41 49,208.00 52,841.68 55,356.67 62,043.25 69,945.68 73,489.92 76,735.78 79,301.41

5.13 5.13 2.42 7.55 5.81 13.36 6.04 19.40 9.16 28.56 5.47 34.03 6.02 40.05 5.28 45.33 4.05 49.39 2.96 52.35 2.69 55.04 3.94 58.98 3.07 62.05 4.58 66.63 3.17 69.81 8.43 78.24 9.97 88.20 4.47 92.67 4.09 96.76 3.24 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 39 6 16 13 17 10 10 14 3 3 2 5 11 8 7 25 27 12 12 4 244

39 15.98 15.98 45 2.46 18.44 61 6.56 25.00 74 5.33 30.33 91 6.97 37.30 101 4.10 41.39 111 4.10 45.49 125 5.74 51.23 128 1.23 52.46 131 1.23 53.69 133 0.82 54.51 138 2.05 56.56 149 4.51 61.07 157 3.28 64.34 164 2.87 67.21 189 10.25 77.46 216 11.07 88.52 228 4.92 93.44 240 4.92 98.36 244 1.64 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 94,601.32 270.91 854.91 1,108.43 2,390.74 1,857.35 1,202.09 1,001.78 188.72 1,118.96 79.02 168.79 454.65 6,643.49 852.97 16,399.84 11,176.40 393.06 799.10 52.31 141,614.87

94,601.32 66.80 94,872.23 0.19 95,727.14 0.60 96,835.57 0.78 99,226.31 1.69 101,083.67 1.31 102,285.76 0.85 103,287.54 0.71 103,476.26 0.13 104,595.22 0.79 104,674.24 0.06 104,843.04 0.12 105,297.69 0.32 111,941.18 4.69 112,794.16 0.60 129,194.00 11.58 140,370.40 7.89 140,763.46 0.28 141,562.56 0.56 141,614.87 0.04

66.80 66.99 67.60 68.38 70.07 71.38 72.23 72.94 73.07 73.86 73.91 74.03 74.35 79.05 79.65 91.23 99.12 99.40 99.96 100.00

2326.5 2326.56 14.13 1585.55 18.55 903.66 23.13 629.43 32.90 438.04 42.84 374.55 25.18 322.04 23.91 287.30 5.87 264.21 47.65 251.96 3.71 239.84 5.40 224.16 18.66 213.98 182.83 211.84 33.92 203.76 245.27 208.23 141.43 200.68 11.09 191.54 24.62 184.48 2.04 178.58 178.58

Page 21 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 BAND CUM.

2,860 4,427 5,996 3,321 2,790 1,019 889 562 310 159 156 186 137 122 74 111 74 37 29 7 23,266

2,860 7,287 13,283 16,604 19,394 20,413 21,302 21,864 22,174 22,333 22,489 22,675 22,812 22,934 23,008 23,119 23,193 23,230 23,259 23,266

12.29 19.03 25.77 14.27 11.99 4.38 3.82 2.42 1.33 0.68 0.67 0.80 0.59 0.52 0.32 0.48 0.32 0.16 0.12 0.03

12.29 31.32 57.09 71.37 83.36 87.74 91.56 93.97 95.31 95.99 96.66 97.46 98.05 98.57 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. 899.88 862.99 1,870.12 1,606.61 2,657.74 1,466.35 1,866.37 1,492.62 869.85 598.10 470.15 710.58 520.48 571.60 359.16 1,298.33 1,200.87 747.79 1,391.37 86.61 21,547.58

899.88 4.18 4.18 1,762.87 4.01 8.18 3,633.00 8.68 16.86 5,239.61 7.46 24.32 7,897.35 12.33 36.65 9,363.70 6.81 43.46 11,230.07 8.66 52.12 12,722.69 6.93 59.04 13,592.54 4.04 63.08 14,190.63 2.78 65.86 14,660.79 2.18 68.04 15,371.36 3.30 71.34 15,891.84 2.42 73.75 16,463.44 2.65 76.41 16,822.60 1.67 78.07 18,120.94 6.03 84.10 19,321.81 5.57 89.67 20,069.60 3.47 93.14 21,460.97 6.46 99.60 21,547.58 0.40 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

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

8 6 14 15 22 8 18 2 10 4 11 9 10 10 6 9 10 8 1 0

743.83 148.10 5,767.00 502.65 2,513.19 431.76 489.19 332.85 367.11 42.59 1,807.43 3,128.94 252.35 1,136.22 826.23 258.84 8,853.36 1,620.74 19.02 0.00

181

8 4.42 4.42 14 3.31 7.73 28 7.73 15.47 43 8.29 23.76 65 12.15 35.91 73 4.42 40.33 91 9.94 50.28 93 1.10 51.38 103 5.52 56.91 107 2.21 59.12 118 6.08 65.19 127 4.97 70.17 137 5.52 75.69 147 5.52 81.22 153 3.31 84.53 162 4.97 89.50 172 5.52 95.03 180 4.42 99.45 181 0.55 100.00 181 0.00 100.00

29,241.39

743.83 2.54 891.93 0.51 6,658.93 19.72 7,161.57 1.72 9,674.76 8.59 10,106.52 1.48 10,595.71 1.67 10,928.56 1.14 11,295.67 1.26 11,338.26 0.15 13,145.69 6.18 16,274.63 10.70 16,526.98 0.86 17,663.20 3.89 18,489.43 2.83 18,748.27 0.89 27,601.63 30.28 29,222.37 5.54 29,241.39 0.07 29,241.39 0.00

2.54 3.05 22.77 24.49 33.09 34.56 36.24 37.37 38.63 38.77 44.96 55.66 56.52 60.40 63.23 64.12 94.39 99.93 100.00 100.00

82.66 17.16 308.37 31.29 94.56 29.44 26.21 22.30 42.20 7.12 384.43 440.34 48.48 198.78 230.05 19.94 737.24 216.74 1.37 0.00

82.66 50.60 183.29 136.68 122.51 107.93 94.35 85.90 83.10 79.90 89.67 105.88 104.00 107.29 109.91 103.46 142.85 145.61 136.25 135.71

135.71

Page 22 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 04 - RIAU

BAND

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

DATA POSITION FROM PROCESSING

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

5,556 5,001 6,851 4,259 3,665 1,411 852 597 316 168 129 152 85 99 89 136 116 87 44 10

1,994.02 1,309.58 3,174.42 3,528.18 5,104.37 2,614.80 2,402.06 1,931.89 1,350.94 871.22 723.72 1,045.54 624.75 1,064.60 1,008.01 2,259.88 3,374.26 2,284.83 2,465.31 162.52

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

29,623

5,556 10,557 17,408 21,667 25,332 26,743 27,595 28,192 28,508 28,676 28,805 28,957 29,042 29,141 29,230 29,366 29,482 29,569 29,613 29,623

18.76 16.88 23.13 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 35.64 58.77 73.14 85.51 90.28 93.15 95.17 96.24 96.80 97.24 97.75 98.04 98.37 98.67 99.13 99.52 99.82 99.97 100.00

39,294.88

1,994.02 5.07 5.07 3,303.60 3.33 8.41 6,478.02 8.08 16.49 10,006.19 8.98 25.46 15,110.56 12.99 38.45 17,725.36 6.65 45.11 20,127.42 6.11 51.22 22,059.31 4.92 56.14 23,410.24 3.44 59.58 24,281.46 2.22 61.79 25,005.18 1.84 63.63 26,050.72 2.66 66.30 26,675.47 1.59 67.89 27,740.07 2.71 70.59 28,748.08 2.57 73.16 31,007.96 5.75 78.91 34,382.22 8.59 87.50 36,667.05 5.81 93.31 39,132.36 6.27 99.59 39,294.88 0.41 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 21 7 10 9 2 4 3 5 0 4 0 3 3 3 2 6 3 7 1 0 93

21 28 38 47 49 53 56 61 61 65 65 68 71 74 76 82 85 92 93 93

22.58 22.58 7.53 30.11 10.75 40.86 9.68 50.54 2.15 52.69 4.30 56.99 3.23 60.22 5.38 65.59 0.00 65.59 4.30 69.89 0.00 69.89 3.23 73.12 3.23 76.34 3.23 79.57 2.15 81.72 6.45 88.17 3.23 91.40 7.53 98.92 1.08 100.00 0.00 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 4,480.81 651.00 1,776.33 1,136.54 546.78 127.30 289.80 1,411.37 0.00 85.65 0.00 414.01 1,011.16 1,772.28 136.22 1,809.19 1,908.22 1,341.54 370.99 0.00 19,269.20

4,480.81 23.25 5,131.81 3.38 6,908.15 9.22 8,044.69 5.90 8,591.47 2.84 8,718.77 0.66 9,008.58 1.50 10,419.94 7.32 10,419.94 0.00 10,505.59 0.44 10,505.59 0.00 10,919.60 2.15 11,930.76 5.25 13,703.04 9.20 13,839.26 0.71 15,648.45 9.39 17,556.67 9.90 18,898.21 6.96 19,269.20 1.93 19,269.20 0.00

23.25 224.71 224.71 26.63 49.71 155.34 35.85 55.96 106.64 41.75 32.21 80.40 44.59 10.71 56.86 45.25 4.87 49.19 46.75 12.06 44.76 54.08 73.06 47.24 54.08 0.00 44.51 54.52 9.83 43.27 54.52 0.00 42.01 56.67 39.60 41.92 61.92 161.85 44.73 71.11 166.47 49.40 71.82 13.51 48.14 81.21 80.06 50.47 91.11 56.55 51.06 98.07 58.72 51.54 100.00 15.05 49.24 100.00 0.00 49.04 49.04

Page 23 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

2,488 2,454 2,782 1,461 1,205 451 271 202 93 52 48 39 33 33 20 30 30 24 13 3

549.71 690.27 1,584.26 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

11,732

2,488 4,942 7,724 9,185 10,390 10,841 11,112 11,314 11,407 11,459 11,507 11,546 11,579 11,612 11,632 11,662 11,692 11,716 11,729 11,732

21.21 20.92 23.71 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

21.21 42.12 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

12,660.10

549.71 4.34 4.34 1,239.98 5.45 9.79 2,824.24 12.51 22.31 4,073.98 9.87 32.18 5,657.84 12.51 44.69 6,569.10 7.20 51.89 7,306.72 5.83 57.71 7,838.59 4.20 61.92 8,290.88 3.57 65.49 8,551.04 2.05 67.54 8,740.62 1.50 69.04 9,016.66 2.18 71.22 9,297.89 2.22 73.44 9,689.24 3.09 76.53 9,929.68 1.90 78.43 10,743.49 6.43 84.86 11,505.60 6.02 90.88 12,169.39 5.24 96.12 12,602.51 3.42 99.55 12,660.10 0.45 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 2 3 3 3 0 1 1 0 0 0 0 0 0 0 2 1 2 0 0 0 18

2 5 8 11 11 12 13 13 13 13 13 13 13 13 15 16 18 18 18 18

11.11 16.67 16.67 16.67 0.00 5.56 5.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11.11 5.56 11.11 0.00 0.00 0.00

11.11 27.78 44.44 61.11 61.11 66.67 72.22 72.22 72.22 72.22 72.22 72.22 72.22 72.22 83.33 88.89 100.00 100.00 100.00 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 51.26 139.05 195.27 106.24 0.00 36.85 3.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00 423.29 26.51 48.38 0.00 0.00 0.00 1,030.81

51.26 190.30 385.57 491.81 491.81 528.67 532.63 532.63 532.63 532.63 532.63 532.63 532.63 532.63 955.92 982.43 1,030.81 1,030.81 1,030.81 1,030.81

4.97 13.49 18.94 10.31 0.00 3.58 0.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 41.06 2.57 4.69 0.00 0.00 0.00

4.97 9.32 18.46 20.14 37.40 12.33 47.71 8.50 47.71 0.00 51.29 4.04 51.67 0.54 51.67 0.00 51.67 0.00 51.67 0.00 51.67 0.00 51.67 0.00 51.67 0.00 51.67 0.00 92.73 176.05 95.31 3.26 100.00 6.35 100.00 0.00 100.00 0.00 100.00 0.00

9.32 15.35 13.65 12.07 8.69 8.05 7.29 6.79 6.42 6.23 6.09 5.91 5.73 5.50 9.63 9.14 8.96 8.47 8.18 8.14

8.14

Page 24 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. 3,990 3,841 5,062 3,008 2,689 1,295 891 597 315 158 119 146 86 130 89 153 128 76 81 40 22,894

3,990 7,831 12,893 15,901 18,590 19,885 20,776 21,373 21,688 21,846 21,965 22,111 22,197 22,327 22,416 22,569 22,697 22,773 22,854 22,894

17.43 16.78 22.11 13.14 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

17.43 34.21 56.32 69.45 81.20 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. 1,456.33 778.59 1,950.61 1,889.85 2,869.87 2,021.57 2,040.23 1,598.05 1,143.02 700.33 660.37 745.73 569.19 971.07 833.06 1,717.45 2,747.30 2,097.76 2,171.31 1,656.13 30,617.82

1,456.33 2,234.92 4,185.53 6,075.37 8,945.24 10,966.82 13,007.05 14,605.11 15,748.13 16,448.45 17,108.82 17,854.55 18,423.74 19,394.82 20,227.88 21,945.33 24,692.63 26,790.38 28,961.69 30,617.82

4.76 4.76 2.54 7.30 6.37 13.67 6.17 19.84 9.37 29.22 6.60 35.82 6.66 42.48 5.22 47.70 3.73 51.43 2.29 53.72 2.16 55.88 2.44 58.31 1.86 60.17 3.17 63.34 2.72 66.07 5.61 71.68 8.97 80.65 6.85 87.50 7.09 94.59 5.41 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 17 0 1 6 3 4 3 2 0 2 1 1 0 4 0 9 3 7 16 4 83

17 20.48 20.48 17 0.00 20.48 18 1.20 21.69 24 7.23 28.92 27 3.61 32.53 31 4.82 37.35 34 3.61 40.96 36 2.41 43.37 36 0.00 43.37 38 2.41 45.78 39 1.20 46.99 40 1.20 48.19 40 0.00 48.19 44 4.82 53.01 44 0.00 53.01 53 10.84 63.86 56 3.61 67.47 63 8.43 75.90 79 19.28 95.18 83 4.82 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,141.46 0.00 5.48 216.84 68.53 228.43 657.76 873.64 0.00 8,923.07 1,067.53 1.32 0.00 1,863.65 0.00 1,108.35 3,845.95 3,005.32 14,894.54 912.02 39,813.89

2,141.46 5.38 2,141.46 0.00 2,146.95 0.01 2,363.79 0.54 2,432.32 0.17 2,660.74 0.57 3,318.51 1.65 4,192.15 2.19 4,192.15 0.00 13,115.22 22.41 14,182.75 2.68 14,184.06 0.00 14,184.06 0.00 16,047.71 4.68 16,047.71 0.00 17,156.06 2.78 21,002.01 9.66 24,007.33 7.55 38,901.87 37.41 39,813.89 2.29

5.38 5.38 5.39 5.94 6.11 6.68 8.34 10.53 10.53 32.94 35.62 35.63 35.63 40.31 40.31 43.09 52.75 60.30 97.71 100.00

147.05 147.05 0.00 95.82 0.28 51.29 11.47 38.91 2.39 27.19 11.30 24.26 32.24 25.51 54.67 28.70 0.00 26.62 1274.1 79.74 161.66 82.90 0.18 79.44 0.00 76.99 191.92 82.74 0.00 79.33 64.53 78.18 139.99 85.05 143.26 89.61 685.97 134.32 55.07 130.04 130.04 Page 25 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. 1,612 1,546 1,368 756 569 222 117 70 40 17 22 20 7 15 13 9 15 2 2 2 6,424

1,612 3,158 4,526 5,282 5,851 6,073 6,190 6,260 6,300 6,317 6,339 6,359 6,366 6,381 6,394 6,403 6,418 6,420 6,422 6,424

DATA POSITION FROM

25.09 24.07 21.30 11.77 8.86 3.46 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

25.09 49.16 70.45 82.22 91.08 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. 346.07 364.28 626.85 509.00 674.67 458.01 324.32 194.44 118.69 95.38 90.43 228.12 29.18 108.78 336.44 214.20 516.47 138.58 13.77 28.29 5,415.97

346.07 6.39 6.39 710.35 6.73 13.12 1,337.19 11.57 24.69 1,846.19 9.40 34.09 2,520.86 12.46 46.54 2,978.87 8.46 55.00 3,303.19 5.99 60.99 3,497.63 3.59 64.58 3,616.32 2.19 66.77 3,711.71 1.76 68.53 3,802.13 1.67 70.20 4,030.26 4.21 74.41 4,059.44 0.54 74.95 4,168.22 2.01 76.96 4,504.66 6.21 83.17 4,718.85 3.95 87.13 5,235.32 9.54 96.66 5,373.91 2.56 99.22 5,387.67 0.25 99.48 5,415.97 0.52 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 7 2 8 1 8 4 1 1 1 0 1 1 1 1 1 2 1 0 4 0 45

7 15.56 15.56 9 4.44 20.00 17 17.78 37.78 18 2.22 40.00 26 17.78 57.78 30 8.89 66.67 31 2.22 68.89 32 2.22 71.11 33 2.22 73.33 33 0.00 73.33 34 2.22 75.56 35 2.22 77.78 36 2.22 80.00 37 2.22 82.22 38 2.22 84.44 40 4.44 88.89 41 2.22 91.11 41 0.00 91.11 45 8.89 100.00 45 0.00 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 521.54 358.84 335.86 4.90 477.07 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 0.00 123.57 0.00 4,630.82

521.54 880.39 1,216.25 1,221.15 1,698.22 2,921.20 3,869.35 3,880.14 3,891.39 3,891.39 3,898.07 3,960.17 3,972.67 3,988.00 4,221.59 4,337.32 4,507.26 4,507.26 4,630.82 4,630.82

11.26 7.75 7.25 0.11 10.30 26.41 20.47 0.23 0.24 0.00 0.14 1.34 0.27 0.33 5.04 2.50 3.67 0.00 2.67 0.00

11.26 19.01 26.26 26.37 36.67 63.08 83.56 83.79 84.03 84.03 84.18 85.52 85.79 86.12 91.16 93.66 97.33 97.33 100.00 100.00

150.70 98.51 53.58 0.96 70.71 267.02 292.35 5.55 9.48 0.00 7.39 27.22 42.84 14.10 69.43 54.03 32.90 0.00 897.50 0.00

150.70 123.94 90.96 66.14 67.37 98.06 117.14 110.94 107.61 104.84 102.52 98.26 97.86 95.68 93.72 91.91 86.09 83.87 85.95 85.50

85.50

Page 26 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,491 3,127 3,506 1,892 2,000 927 615 481 259 131 123 116 110 112 88 156 142 108 63 25 16,472

2,491 5,618 9,124 11,016 13,016 13,943 14,558 15,039 15,298 15,429 15,552 15,668 15,778 15,890 15,978 16,134 16,276 16,384 16,447 16,472

15.12 18.98 21.28 11.49 12.14 5.63 3.73 2.92 1.57 0.80 0.75 0.70 0.67 0.68 0.53 0.95 0.86 0.66 0.38 0.15

15.12 34.11 55.39 66.88 79.02 84.65 88.38 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. 1,392.72 530.81 1,177.94 1,185.51 2,010.60 1,357.62 1,363.15 1,446.45 1,047.33 597.69 545.57 610.62 678.19 845.31 878.04 2,778.54 2,939.01 1,817.18 4,175.89 1,924.45 29,302.63

1,392.72 4.75 4.75 1,923.53 1.81 6.56 3,101.47 4.02 10.58 4,286.98 4.05 14.63 6,297.58 6.86 21.49 7,655.20 4.63 26.12 9,018.35 4.65 30.78 10,464.81 4.94 35.71 11,512.14 3.57 39.29 12,109.83 2.04 41.33 12,655.40 1.86 43.19 13,266.01 2.08 45.27 13,944.21 2.31 47.59 14,789.52 2.88 50.47 15,667.56 3.00 53.47 18,446.10 9.48 62.95 21,385.11 10.03 72.98 23,202.30 6.20 79.18 27,378.18 14.25 93.43 29,302.63 6.57 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 17 2 1 2 5 3 2 4 3 3 2 1 3 3 4 11 13 9 3 1 92

17 18.48 18.48 19 2.17 20.65 20 1.09 21.74 22 2.17 23.91 27 5.43 29.35 30 3.26 32.61 32 2.17 34.78 36 4.35 39.13 39 3.26 42.39 42 3.26 45.65 44 2.17 47.83 45 1.09 48.91 48 3.26 52.17 51 3.26 55.43 55 4.35 59.78 66 11.96 71.74 79 14.13 85.87 88 9.78 95.65 91 3.26 98.91 92 1.09 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 6,141.89 57.33 42.23 290.70 344.94 141.49 91.56 344.83 328.13 1,337.40 78.00 109.86 417.42 2,804.73 212.74 5,612.68 1,427.48 2,366.23 6,230.48 90.63 28,470.74

6,141.89 21.57 6,199.23 0.20 6,241.46 0.15 6,532.16 1.02 6,877.09 1.21 7,018.58 0.50 7,110.14 0.32 7,454.97 1.21 7,783.10 1.15 9,120.50 4.70 9,198.50 0.27 9,308.36 0.39 9,725.78 1.47 12,530.52 9.85 12,743.25 0.75 18,355.93 19.71 19,783.41 5.01 22,149.64 8.31 28,380.12 21.88 28,470.74 0.32

21.57 21.77 21.92 22.94 24.15 24.65 24.97 26.18 27.34 32.03 32.31 32.69 34.16 44.01 44.76 64.47 69.49 77.80 99.68 100.00

441.00 10.80 3.58 24.52 17.16 10.42 6.72 23.84 31.33 223.76 14.30 17.99 61.55 331.80 24.23 202.00 48.57 130.21 149.20 4.71

441.00 322.28 201.24 152.37 109.20 91.68 78.84 71.24 67.61 75.31 72.68 70.17 69.75 84.73 81.34 99.51 92.51 95.46 103.66 97.16

97.16

Page 27 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 09 - DKI JAKARTA

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. 23,392 16,965 31,733 26,965 36,422 20,213 14,643 11,230 6,200 3,261 2,516 2,846 1,885 2,280 1,465 2,080 1,566 702 848 342 207,554

23,392 40,357 72,090 99,055 135,477 155,690 170,333 181,563 187,763 191,024 193,540 196,386 198,271 200,551 202,016 204,096 205,662 206,364 207,212 207,554

DATA POSITION FROM

11.27 8.17 15.29 12.99 17.55 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 0.16

11.27 19.44 34.73 47.72 65.27 75.01 82.07 87.48 90.46 92.04 93.25 94.62 95.53 96.63 97.33 98.33 99.09 99.43 99.84 100.0

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

22,008.25 4,171.13 10,297.41 13,218.56 26,033.85 20,755.59 21,433.64 22,479.48 17,027.83 14,473.19 9,929.16 13,883.15 11,121.41 15,631.80 11,703.63 24,209.60 22,506.66 16,461.34 31,632.69 400,530.97

225 62 93 101 178 117 94 129 77 42 39 39 78 77 46 77 104 75 203 322

729,509.31

22,008.25 3.02 3.02 26,179.38 0.57 3.59 36,476.79 1.41 5.00 49,695.35 1.81 6.81 75,729.20 3.57 10.38 96,484.79 2.85 13.23 117,918.43 2.94 16.16 140,397.90 3.08 19.25 157,425.73 2.33 21.58 171,898.91 1.98 23.56 181,828.07 1.36 24.92 195,711.22 1.90 26.83 206,832.63 1.52 28.35 222,464.43 2.14 30.50 234,168.06 1.60 32.10 258,377.66 3.32 35.42 280,884.31 3.09 38.50 297,345.65 2.26 40.76 328,978.34 4.34 45.10 729,509.31 54.90 100.00

2,178

225 287 380 481 659 776 870 999 1,076 1,118 1,157 1,196 1,274 1,351 1,397 1,474 1,578 1,653 1,856 2,178

10.3 10.33 2.85 13.18 4.27 17.45 4.64 22.08 8.17 30.26 5.37 35.63 4.32 39.94 5.92 45.87 3.54 49.40 1.93 51.33 1.79 53.12 1.79 54.91 3.58 58.49 3.54 62.03 2.11 64.14 3.54 67.68 4.78 72.45 3.44 75.90 9.32 85.22 14.7 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 24,182.48 2,085.38 3,784.34 4,045.37 7,648.96 7,332.53 10,422.33 30,097.62 11,035.71 5,118.43 11,047.29 7,631.66 51,984.30 15,347.80 24,710.30 20,994.25 334,871.00 93,671.80 77,198.11 200,290.82 943,500.49

24,182.48 2.56 26,267.85 0.22 30,052.20 0.40 34,097.57 0.43 41,746.52 0.81 49,079.06 0.78 59,501.39 1.10 89,599.01 3.19 100,634.73 1.17 105,753.16 0.54 116,800.45 1.17 124,432.11 0.81 176,416.41 5.51 191,764.21 1.63 216,474.51 2.62 237,468.76 2.23 572,339.76 35.49 666,011.56 9.93 743,209.67 8.18 943,500.49 21.23

2.56 2.78 3.19 3.61 4.42 5.20 6.31 9.50 10.67 11.21 12.38 13.19 18.70 20.32 22.94 25.17 60.66 70.59 78.77 100.00

LOSS RATIO PERCENTAGE BAND CUM 109.88 50.00 36.75 30.60 29.38 35.33 48.63 133.89 64.81 35.36 111.26 54.97 467.43 98.18 211.13 86.72 1487.88 569.04 244.05 50.01

109.88 100.34 82.39 68.61 55.13 50.87 50.46 63.82 63.93 61.52 64.24 63.58 85.29 86.20 92.44 91.91 203.76 223.99 225.91 129.33

129.33

Page 28 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. 27,577 25,930 27,690 15,452 14,924 7,677 5,184 4,240 2,426 1,360 1,179 1,339 967 1,420 993 1,811 1,644 877 942 307 143,939

27,577 53,507 81,197 96,649 111,573 119,250 124,434 128,674 131,100 132,460 133,639 134,978 135,945 137,365 138,358 140,169 141,813 142,690 143,632 143,939

DATA POSITION FROM

19.16 19.16 18.01 37.17 19.24 56.41 10.74 67.15 10.37 77.51 5.33 82.85 3.60 86.45 2.95 89.39 1.69 91.08 0.94 92.03 0.82 92.84 0.93 93.77 0.67 94.45 0.99 95.43 0.69 96.12 1.26 97.38 1.14 98.52 0.61 99.13 0.65 99.79 0.21 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

14,623.01 5,778.09 10,105.54 9,060.51 13,335.05 9,862.50 9,698.76 9,991.30 8,174.41 5,072.31 5,279.83 6,898.71 5,861.73 11,055.08 8,663.06 21,992.45 25,245.91 18,547.76 17,210.30 17,044.46

202 202 17.94 17.94 31 233 2.75 20.69 51 284 4.53 25.22 54 338 4.80 30.02 47 385 4.17 34.19 32 417 2.84 37.03 34 451 3.02 40.05 20 471 1.78 41.83 23 494 2.04 43.87 16 510 1.42 45.29 11 521 0.98 46.27 21 542 1.87 48.13 32 574 2.84 50.98 41 615 3.64 54.62 37 652 3.29 57.90 84 736 7.46 65.36 75 811 6.66 72.02 79 890 7.02 79.04 108 998 9.59 88.63 128 1,126 11.37 100.00

233,500.77

14,623.01 6.26 6.26 20,401.10 2.47 8.74 30,506.64 4.33 13.06 39,567.16 3.88 16.95 52,902.21 5.71 22.66 62,764.71 4.22 26.88 72,463.46 4.15 31.03 82,454.77 4.28 35.31 90,629.18 3.50 38.81 95,701.49 2.17 40.99 100,981.32 2.26 43.25 107,880.02 2.95 46.20 113,741.76 2.51 48.71 124,796.84 4.73 53.45 133,459.90 3.71 57.16 155,452.35 9.42 66.57 180,698.26 10.81 77.39 199,246.02 7.94 85.33 216,456.32 7.37 92.70 233,500.77 7.30 100.00

1,126

01/01/2007

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 51,652.03 6,375.14 1,338.15 2,271.96 1,706.90 4,139.71 4,645.88 5,941.23 7,460.64 1,598.94 1,234.24 1,701.80 2,345.15 9,454.07 11,437.56 13,741.60 7,764.81 38,175.64 104,133.3 376,881.4 654,000.2

51,652.03 7.90 58,027.17 0.97 59,365.32 0.20 61,637.28 0.35 63,344.18 0.26 67,483.88 0.63 72,129.77 0.71 78,070.99 0.91 85,531.63 1.14 87,130.57 0.24 88,364.81 0.19 90,066.61 0.26 92,411.76 0.36 101,865.83 1.45 113,303.39 1.75 127,044.99 2.10 134,809.80 1.19 172,985.44 5.84 277,118.78 15.92 654,000.20 57.63

7.90 8.87 9.08 9.42 9.69 10.32 11.03 11.94 13.08 13.32 13.51 13.77 14.13 15.58 17.32 19.43 20.61 26.45 42.37 100.00

353.22 110.33 13.24 25.08 12.80 41.97 47.90 59.46 91.27 31.52 23.38 24.67 40.01 85.52 132.03 62.48 30.76 205.82 605.06 2211.1

353.22 284.43 194.60 155.78 119.74 107.52 99.54 94.68 94.38 91.04 87.51 83.49 81.25 81.63 84.90 81.73 74.60 86.82 128.03 280.08

280.08

Page 29 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 23,496 15,056 13,073 6,515 6,710 3,781 2,545 2,224 1,294 715 624 708 503 658 396 655 522 218 250 88 80,031

23,496 29.36 38,552 18.81 51,625 16.33 58,140 8.14 64,850 8.38 68,631 4.72 71,176 3.18 73,400 2.78 74,694 1.62 75,409 0.89 76,033 0.78 76,741 0.88 77,244 0.63 77,902 0.82 78,298 0.49 78,953 0.82 79,475 0.65 79,693 0.27 79,943 0.31 80,031 0.11

29.36 48.17 64.51 72.65 81.03 85.76 88.94 91.71 93.33 94.22 95.00 95.89 96.52 97.34 97.83 98.65 99.31 99.58 99.89 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5,452.74 5,452.74 4,780.35 10,233.10 4,851.76 15,084.86 4,005.24 19,090.09 6,639.09 25,729.18 5,063.35 30,792.54 4,631.44 35,423.97 5,410.02 40,834.00 4,200.73 45,034.72 2,723.97 47,758.69 2,704.85 50,463.54 3,798.20 54,261.74 3,375.27 57,637.01 9,369.45 67,006.46 3,651.68 70,658.14 8,151.55 78,809.69 8,394.14 87,203.83 3,965.98 91,169.81 4,598.20 95,768.01 9,733.17 105,501.18 105,501.18

5.17 5.17 4.53 9.70 4.60 14.30 3.80 18.09 6.29 24.39 4.80 29.19 4.39 33.58 5.13 38.70 3.98 42.69 2.58 45.27 2.56 47.83 3.60 51.43 3.20 54.63 8.88 63.51 3.46 66.97 7.73 74.70 7.96 82.66 3.76 86.42 4.36 90.77 9.23 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

01/01/2007

15/12/2010

DATE

15/03/2011

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

93 16 28 8 27 18 21 25 11 13 6 17 23 12 18 35 66 27 16 19

93 18.64 18.64 7,708.70 109 3.21 21.84 170.93 137 5.61 27.45 650.47 145 1.60 29.06 789.72 172 5.41 34.47 972.13 190 3.61 38.08 2,235.37 211 4.21 42.28 2,154.28 236 5.01 47.29 1,888.76 247 2.20 49.50 1,869.96 260 2.61 52.10 1,856.23 266 1.20 53.31 506.45 283 3.41 56.71 1,876.22 306 4.61 61.32 4,505.45 318 2.40 63.73 572.60 336 3.61 67.33 2,626.12 371 7.01 74.35 16,432.59 437 13.23 87.58 3,913.50 464 5.41 92.99 2,459.58 480 3.21 96.19 59,572.03 499 3.81 100.00 -3,243.50

499

109,517.5

7,708.70 7.04 7,879.63 0.16 8,530.11 0.59 9,319.82 0.72 10,291.95 0.89 12,527.32 2.04 14,681.60 1.97 16,570.37 1.72 18,440.32 1.71 20,296.55 1.69 20,803.00 0.46 22,679.22 1.71 27,184.68 4.11 27,757.27 0.52 30,383.39 2.40 46,815.98 15.00 50,729.47 3.57 53,189.05 2.25 112,761.0 54.39 109,517.5 -2.96

7.04 7.19 7.79 8.51 9.40 11.44 13.41 15.13 16.84 18.53 19.00 20.71 24.82 25.35 27.74 42.75 46.32 48.57 102.96 100.00

141.37 141.37 3.58 77.00 13.41 56.55 19.72 48.82 14.64 40.00 44.15 40.68 46.51 41.45 34.91 40.58 44.52 40.95 68.14 42.50 18.72 41.22 49.40 41.80 133.48 47.17 6.11 41.42 71.92 43.00 201.59 59.40 46.62 58.17 62.02 58.34 1295.5 117.74 -33.32 103.81 103.81

Page 30 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,279 1,886 1,925 1,062 1,055 623 445 308 222 126 93 96 71 81 53 92 60 29 15 4 10,525

2,279 4,165 6,090 7,152 8,207 8,830 9,275 9,583 9,805 9,931 10,024 10,120 10,191 10,272 10,325 10,417 10,477 10,506 10,521 10,525

21.65 17.92 18.29 10.09 10.02 5.92 4.23 2.93 2.11 1.20 0.88 0.91 0.67 0.77 0.50 0.87 0.57 0.28 0.14 0.04

21.65 39.57 57.86 67.95 77.98 83.90 88.12 91.05 93.16 94.36 95.24 96.15 96.83 97.60 98.10 98.97 99.54 99.82 99.96 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 585.60 378.87 722.80 571.48 923.68 753.76 792.94 686.55 566.98 360.38 363.58 385.81 374.12 593.65 448.18 1,867.74 567.68 580.68 138.54 -58.78 11,604.23

585.60 5.05 5.05 964.47 3.26 8.31 1,687.27 6.23 14.54 2,258.75 4.92 19.46 3,182.43 7.96 27.42 3,936.19 6.50 33.92 4,729.13 6.83 40.75 5,415.68 5.92 46.67 5,982.66 4.89 51.56 6,343.04 3.11 54.66 6,706.62 3.13 57.79 7,092.43 3.32 61.12 7,466.55 3.22 64.34 8,060.20 5.12 69.46 8,508.38 3.86 73.32 10,376.12 16.10 89.42 10,943.80 4.89 94.31 11,524.48 5.00 99.31 11,663.02 1.19 100.51 11,604.23 -0.51 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

01/01/2007

15/12/2010

DATE

15/03/2011

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

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

6 16.22 16.22 336.53 7 2.70 18.92 7.64 10 8.11 27.03 140.48 13 8.11 35.14 14.76 18 13.51 48.65 15.42 21 8.11 56.76 590.26 23 5.41 62.16 184.60 24 2.70 64.86 1.10 27 8.11 72.97 90.47 27 0.00 72.97 0.00 27 0.00 72.97 0.00 28 2.70 75.68 34.41 28 0.00 75.68 0.00 30 5.41 81.08 8.11 31 2.70 83.78 191.38 33 5.41 89.19 142.09 34 2.70 91.89 33,930.00 37 8.11 100.00 558.01 37 0.00 100.00 0.00 37 0.00 100.00 0.00

36,245.25

336.53 0.93 344.17 0.02 484.64 0.39 499.40 0.04 514.82 0.04 1,105.08 1.63 1,289.68 0.51 1,290.77 0.00 1,381.25 0.25 1,381.25 0.00 1,381.25 0.00 1,415.66 0.09 1,415.66 0.00 1,423.76 0.02 1,615.15 0.53 1,757.24 0.39 35,687.24 93.61 36,245.25 1.54 36,245.25 0.00 36,245.25 0.00

0.93 57.47 57.47 0.95 2.02 35.68 1.34 19.44 28.72 1.38 2.58 22.11 1.42 1.67 16.18 3.05 78.31 28.07 3.56 23.28 27.27 3.56 0.16 23.83 3.81 15.96 23.09 3.81 0.00 21.78 3.81 0.00 20.60 3.91 8.92 19.96 3.91 0.00 18.96 3.93 1.37 17.66 4.46 42.70 18.98 4.85 7.61 16.94 98.46 5977.0 326.10 100.00 96.10 314.51 100.00 0.00 310.77 100.00 0.00 312.35 312.35

Page 31 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

19,773 17,477 18,099 10,573 11,887 6,698 4,805 4,215 2,560 1,402 1,088 1,260 863 1,138 756 1,222 897 408 378 148 105,647

19,773 37,250 55,349 65,922 77,809 84,507 89,312 93,527 96,087 97,489 98,577 99,837 100,700 101,838 102,594 103,816 104,713 105,121 105,499 105,647

18.72 16.54 17.13 10.01 11.25 6.34 4.55 3.99 2.42 1.33 1.03 1.19 0.82 1.08 0.72 1.16 0.85 0.39 0.36 0.14

18.72 35.26 52.39 62.40 73.65 79.99 84.54 88.53 90.95 92.28 93.31 94.50 95.32 96.39 97.11 98.27 99.12 99.50 99.86 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 16,065.55 3,382.32 6,503.15 6,242.69 10,594.37 8,166.11 8,101.22 10,345.19 7,580.50 5,210.31 6,564.74 7,079.82 5,650.12 9,288.08 8,027.97 17,893.37 19,486.21 8,098.61 6,955.41 2,788.23 174,023.97

16,065.55 19,447.87 25,951.02 32,193.71 42,788.08 50,954.19 59,055.41 69,400.60 76,981.10 82,191.40 88,756.14 95,835.96 101,486.08 110,774.16 118,802.13 136,695.50 156,181.71 164,280.33 171,235.74 174,023.97

9.23 9.23 1.94 11.18 3.74 14.91 3.59 18.50 6.09 24.59 4.69 29.28 4.66 33.94 5.94 39.88 4.36 44.24 2.99 47.23 3.77 51.00 4.07 55.07 3.25 58.32 5.34 63.65 4.61 68.27 10.2 78.55 11.2 89.75 4.65 94.40 4.00 98.40 1.60 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

77 13 16 14 31 47 18 55 11 11 15 53 13 22 17 36 48 35 49 27 608

77 12.66 12.66 90 2.14 14.80 106 2.63 17.43 120 2.30 19.74 151 5.10 24.84 198 7.73 32.57 216 2.96 35.53 271 9.05 44.57 282 1.81 46.38 293 1.81 48.19 308 2.47 50.66 361 8.72 59.38 374 2.14 61.51 396 3.62 65.13 413 2.80 67.93 449 5.92 73.85 497 7.89 81.74 532 5.76 87.50 581 8.06 95.56 608 4.44 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 40,675.37 334.95 597.73 1,163.54 3,087.92 1,680.43 2,558.63 2,235.40 2,838.90 204.78 1,109.22 2,533.13 2,871.15 5,236.19 8,711.15 34,836.83 38,917.43 87,278.51 26,058.36 40,416.14 303,345.77

40,675.37 41,010.32 41,608.05 42,771.59 45,859.51 47,539.93 50,098.56 52,333.96 55,172.87 55,377.65 56,486.87 59,020.00 61,891.14 67,127.34 75,838.49 110,675.32 149,592.75 236,871.27 262,929.63 303,345.77

13.41 13.41 0.11 13.52 0.20 13.72 0.38 14.10 1.02 15.12 0.55 15.67 0.84 16.52 0.74 17.25 0.94 18.19 0.07 18.26 0.37 18.62 0.84 19.46 0.95 20.40 1.73 22.13 2.87 25.00 11.48 36.48 12.83 49.31 28.77 78.09 8.59 86.68 13.32 100.00

LOSS RATIO PERCENTAGE BAND CUM 253.18 9.90 9.19 18.64 29.15 20.58 31.58 21.61 37.45 3.93 16.90 35.78 50.82 56.38 108.51 194.69 199.72 1077.70 374.65 1449.53

253.18 210.87 160.33 132.86 107.18 93.30 84.83 75.41 71.67 67.38 63.64 61.58 60.98 60.60 63.84 80.96 95.78 144.19 153.55 174.31

174.31

Page 32 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. 5,608 8,478 7,632 2,481 1,980 675 443 296 133 81 66 82 55 59 23 56 40 21 20 9 28,238

5,608 19.86 14,086 30.02 21,718 27.03 24,199 8.79 26,179 7.01 26,854 2.39 27,297 1.57 27,593 1.05 27,726 0.47 27,807 0.29 27,873 0.23 27,955 0.29 28,010 0.19 28,069 0.21 28,092 0.08 28,148 0.20 28,188 0.14 28,209 0.07 28,229 0.07 28,238 0.03

19.86 49.88 76.91 85.70 92.71 95.10 96.67 97.72 98.19 98.47 98.71 99.00 99.19 99.40 99.48 99.68 99.82 99.90 99.97 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,825.34 4,198.33 7,216.99 7,321.74 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 59.97 39,451.76

2,825.34 7,023.67 14,240.66 21,562.39 26,194.98 28,324.16 29,968.72 31,463.61 32,333.94 32,807.90 33,402.06 34,225.31 34,967.31 35,786.63 36,105.88 37,380.84 38,447.40 38,818.78 39,391.79 39,451.76

7.16 7.16 10.64 17.80 18.29 36.10 18.56 54.66 11.74 66.40 5.40 71.79 4.17 75.96 3.79 79.75 2.21 81.96 1.20 83.16 1.51 84.67 2.09 86.75 1.88 88.63 2.08 90.71 0.81 91.52 3.23 94.75 2.70 97.45 0.94 98.40 1.45 99.85 0.15 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

22 40 38 13 11 6 4 2 1 0 1 1 0 0 0 0 1 0 0 0

6,969.54 2,059.58 4,788.53 2,802.75 3,541.62 700.28 1,277.90 1,302.05 2.31 0.00 254.75 11.71 0.00 0.00 0.00 0.00 5.59 0.00 0.00 0.00

140

22 15.71 15.71 62 28.57 44.29 100 27.14 71.43 113 9.29 80.71 124 7.86 88.57 130 4.29 92.86 134 2.86 95.71 136 1.43 97.14 137 0.71 97.86 137 0.00 97.86 138 0.71 98.57 139 0.71 99.29 139 0.00 99.29 139 0.00 99.29 139 0.00 99.29 139 0.00 99.29 140 0.71 100.00 140 0.00 100.00 140 0.00 100.00 140 0.00 100.00

23,716.59

6,969.54 9,029.11 13,817.64 16,620.39 20,162.01 20,862.29 22,140.18 23,442.23 23,444.54 23,444.54 23,699.29 23,711.01 23,711.01 23,711.01 23,711.01 23,711.01 23,716.59 23,716.59 23,716.59 23,716.59

29.39 8.68 20.19 11.82 14.93 2.95 5.39 5.49 0.01 0.00 1.07 0.05 0.00 0.00 0.00 0.00 0.02 0.00 0.00 0.00

29.39 246.68 246.68 38.07 49.06 128.55 58.26 66.35 97.03 70.08 38.28 77.08 85.01 76.45 76.97 87.96 32.89 73.66 93.35 77.70 73.88 98.84 87.10 74.51 98.85 0.26 72.51 98.85 0.00 71.46 99.93 42.88 70.95 99.98 1.42 69.28 99.98 0.00 67.81 99.98 0.00 66.26 99.98 0.00 65.67 99.98 0.00 63.43 100.00 0.52 61.69 100.00 0.00 61.10 100.00 0.00 60.21 100.00 0.00 60.12 60.12

Page 33 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,364 1,579 1,245 606 654 303 167 113 79 46 20 31 14 24 22 23 14 18 6 7 7,335

2,364 32.23 3,943 21.53 5,188 16.97 5,794 8.26 6,448 8.92 6,751 4.13 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

32.23 53.76 70.73 78.99 87.91 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

467.15 534.34 836.96 766.75 1,119.62 736.12 494.20 466.76 444.41 207.58 138.73 247.60 184.85 221.79 392.36 413.51 1,128.77 266.21 143.46 42.41 9,253.59

467.15 5.05 5.05 1,001.49 5.77 10.82 1,838.45 9.04 19.87 2,605.20 8.29 28.15 3,724.83 12.10 40.25 4,460.94 7.95 48.21 4,955.14 5.34 53.55 5,421.90 5.04 58.59 5,866.32 4.80 63.40 6,073.89 2.24 65.64 6,212.62 1.50 67.14 6,460.22 2.68 69.81 6,645.07 2.00 71.81 6,866.86 2.40 74.21 7,259.22 4.24 78.45 7,672.73 4.47 82.92 8,801.51 12.20 95.11 9,067.72 2.88 97.99 9,211.17 1.55 99.54 9,253.59 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 4 3 3 0 0 27

1 6 8 10 11 11 11 11 11 14 14 15 16 17 17 21 24 27 27 27

3.70 3.70 18.52 22.22 7.41 29.63 7.41 37.04 3.70 40.74 0.00 40.74 0.00 40.74 0.00 40.74 0.00 40.74 11.11 51.85 0.00 51.85 3.70 55.56 3.70 59.26 3.70 62.96 0.00 62.96 14.81 77.78 11.11 88.89 11.11 100.00 0.00 100.00 0.00 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

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 44.90 137.85 31.23 0.00 0.00 1,479.89

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 1,310.81 1,448.66 1,479.89 1,479.89 1,479.89

0.15 15.73 4.79 10.84 19.75 0.00 0.00 0.00 0.00 26.54 0.00 6.50 0.26 0.97 0.00 3.03 9.31 2.11 0.00 0.00

0.15 0.49 15.88 43.57 20.67 8.47 31.51 20.92 51.26 26.10 51.26 0.00 51.26 0.00 51.26 0.00 51.26 0.00 77.81 189.23 77.81 0.00 84.30 38.84 84.57 2.11 85.54 6.49 85.54 0.00 88.57 10.86 97.89 12.21 100.00 11.73 100.00 0.00 100.00 0.00

0.49 23.47 16.64 17.90 20.37 17.01 15.31 13.99 12.93 18.96 18.53 19.31 18.83 18.44 17.44 17.08 16.46 16.32 16.07 15.99

15.99

Page 34 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

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,230 2,918 2,707 1,368 1,274 781 443 314 187 125 80 119 55 85 67 78 47 40 40 22 13,980

3,230 23.10 6,148 20.87 8,855 19.36 10,223 9.79 11,497 9.11 12,278 5.59 12,721 3.17 13,035 2.25 13,222 1.34 13,347 0.89 13,427 0.57 13,546 0.85 13,601 0.39 13,686 0.61 13,753 0.48 13,831 0.56 13,878 0.34 13,918 0.29 13,958 0.29 13,980 0.16

23.10 43.98 63.34 73.13 82.24 87.83 90.99 93.24 94.58 95.47 96.04 96.90 97.29 97.90 98.38 98.93 99.27 99.56 99.84 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,024.06 816.55 1,157.62 898.75 1,492.76 1,533.42 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 17,533.59

1,024.06 1,840.61 2,998.22 3,896.97 5,389.73 6,923.15 8,097.00 9,125.83 9,880.22 10,533.60 10,901.75 11,594.31 11,924.83 12,633.82 13,352.64 14,839.45 15,606.10 16,314.87 17,168.12 17,533.59

5.84 5.84 4.66 10.50 6.60 17.10 5.13 22.23 8.51 30.74 8.75 39.49 6.69 46.18 5.87 52.05 4.30 56.35 3.73 60.08 2.10 62.18 3.95 66.13 1.89 68.01 4.04 72.05 4.10 76.15 8.48 84.63 4.37 89.01 4.04 93.05 4.87 97.92 2.08 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 6 3 5 2 2 4 0 1 0 1 0 1 2 0 1 3 1 4 1 43

6 13.95 13.95 12 13.95 27.91 15 6.98 34.88 20 11.63 46.51 22 4.65 51.16 24 4.65 55.81 28 9.30 65.12 28 0.00 65.12 29 2.33 67.44 29 0.00 67.44 30 2.33 69.77 30 0.00 69.77 31 2.33 72.09 33 4.65 76.74 33 0.00 76.74 34 2.33 79.07 37 6.98 86.05 38 2.33 88.37 42 9.30 97.67 43 2.33 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 80.33 369.97 249.04 459.96 16.42 396.42 1,990.09 0.00 1,274.43 0.00 7.34 0.00 17.15 94.95 0.00 19.74 289.35 120.87 783.85 4,149.55 10,319.47

80.33 0.78 450.30 3.59 699.34 2.41 1,159.30 4.46 1,175.72 0.16 1,572.14 3.84 3,562.23 19.28 3,562.23 0.00 4,836.67 12.35 4,836.67 0.00 4,844.00 0.07 4,844.00 0.00 4,861.16 0.17 4,956.11 0.92 4,956.11 0.00 4,975.84 0.19 5,265.19 2.80 5,386.06 1.17 6,169.91 7.60 10,319.47 40.21

0.78 7.84 4.36 45.31 6.78 21.51 11.23 51.18 11.39 1.10 15.23 25.85 34.52 169.54 34.52 0.00 46.87 168.94 46.87 0.00 46.94 1.99 46.94 0.00 47.11 5.19 48.03 13.39 48.03 0.00 48.22 1.33 51.02 37.74 52.19 17.05 59.79 91.87 100.00 1135.4

7.84 24.46 23.33 29.75 21.81 22.71 43.99 39.03 48.95 45.92 44.43 41.78 40.77 39.23 37.12 33.53 33.74 33.01 35.94 58.86

58.86

Page 35 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

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2010

DATE

15/03/2011

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.

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

2,723 3,703 4,609 2,847 3,265 1,617 1,131 720 458 166 173 153 97 134 93 134 94 44 53 59

1,392.12 874.46 2,239.53 2,193.85 4,986.91 3,189.59 3,296.28 2,665.07 2,211.60 830.16 1,017.29 1,157.76 754.65 1,377.55 810.80 1,857.69 2,337.71 1,504.55 6,291.32 2,534.16

23 4 8 5 10 3 3 2 4 0 0 3 1 1 5 3 3 4 4 4

1,093.51 102.83 760.26 655.60 1,013.39 674.40 1,758.16 141.27 1,290.88 0.00 0.00 307.42 72.01 96.57 235.45 102.84 1,031.18 959.59 860.19 297.53

22,273

2,723 6,426 11,035 13,882 17,147 18,764 19,895 20,615 21,073 21,239 21,412 21,565 21,662 21,796 21,889 22,023 22,117 22,161 22,214 22,273

12.23 16.63 20.69 12.78 14.66 7.26 5.08 3.23 2.06 0.75 0.78 0.69 0.44 0.60 0.42 0.60 0.42 0.20 0.24 0.26

12.23 28.85 49.54 62.33 76.99 84.25 89.32 92.56 94.61 95.36 96.13 96.82 97.26 97.86 98.28 98.88 99.30 99.50 99.74 100.00

43,523.04

1,392.12 3.20 3.20 2,266.58 2.01 5.21 4,506.11 5.15 10.35 6,699.95 5.04 15.39 11,686.86 11.46 26.85 14,876.45 7.33 34.18 18,172.73 7.57 41.75 20,837.81 6.12 47.88 23,049.41 5.08 52.96 23,879.57 1.91 54.87 24,896.86 2.34 57.20 26,054.62 2.66 59.86 26,809.27 1.73 61.60 28,186.82 3.17 64.76 28,997.62 1.86 66.63 30,855.31 4.27 70.89 33,193.02 5.37 76.27 34,697.56 3.46 79.72 40,988.88 14.46 94.18 43,523.04 5.82 100.00

23 25.56 25.56 27 4.44 30.00 35 8.89 38.89 40 5.56 44.44 50 11.11 55.56 53 3.33 58.89 56 3.33 62.22 58 2.22 64.44 62 4.44 68.89 62 0.00 68.89 62 0.00 68.89 65 3.33 72.22 66 1.11 73.33 67 1.11 74.44 72 5.56 80.00 75 3.33 83.33 78 3.33 86.67 82 4.44 91.11 86 4.44 95.56 90 4.44 100.00

11,453.10

1,093.51 9.55 1,196.34 0.90 1,956.61 6.64 2,612.21 5.72 3,625.60 8.85 4,300.00 5.89 6,058.16 15.35 6,199.43 1.23 7,490.32 11.27 7,490.32 0.00 7,490.32 0.00 7,797.74 2.68 7,869.75 0.63 7,966.33 0.84 8,201.78 2.06 8,304.61 0.90 9,335.79 9.00 10,295.38 8.38 11,155.57 7.51 11,453.10 2.60

9.55 10.45 17.08 22.81 31.66 37.54 52.90 54.13 65.40 65.40 65.40 68.08 68.71 69.56 71.61 72.51 81.51 89.89 97.40 100.00

78.55 11.76 33.95 29.88 20.32 21.14 53.34 5.30 58.37 0.00 0.00 26.55 9.54 7.01 29.04 5.54 44.11 63.78 13.67 11.74

78.55 52.78 43.42 38.99 31.02 28.90 33.34 29.75 32.50 31.37 30.09 29.93 29.35 28.26 28.28 26.91 28.13 29.67 27.22 26.32

26.32

Page 36 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 1,617 2,176 1,186 1,307 727 558 491 266 147 83 124 59 107 68 70 30 10 7 3 10,405

1,369 2,986 5,162 6,348 7,655 8,382 8,940 9,431 9,697 9,844 9,927 10,051 10,110 10,217 10,285 10,355 10,385 10,395 10,402 10,405

13.16 15.54 20.91 11.40 12.56 6.99 5.36 4.72 2.56 1.41 0.80 1.19 0.57 1.03 0.65 0.67 0.29 0.10 0.07 0.03

DATA POSITION FROM

13.16 28.70 49.61 61.01 73.57 80.56 85.92 90.64 93.20 94.61 95.41 96.60 97.16 98.19 98.85 99.52 99.81 99.90 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 397.41 385.75 814.29 721.58 1,353.89 1,301.25 1,350.79 1,579.12 1,153.79 701.46 396.96 762.29 523.49 918.25 815.60 804.66 357.72 245.96 69.46 41.16 14,694.86

397.41 2.70 2.70 783.16 2.63 5.33 1,597.45 5.54 10.87 2,319.02 4.91 15.78 3,672.92 9.21 24.99 4,974.17 8.86 33.85 6,324.95 9.19 43.04 7,904.07 10.75 53.79 9,057.86 7.85 61.64 9,759.31 4.77 66.41 10,156.27 2.70 69.11 10,918.56 5.19 74.30 11,442.04 3.56 77.86 12,360.30 6.25 84.11 13,175.90 5.55 89.66 13,980.56 5.48 95.14 14,338.28 2.43 97.57 14,584.24 1.67 99.25 14,653.70 0.47 99.72 14,694.86 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

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 62.75 0.00 5,834.03 351.25 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 9,450.85

62.75 0.66 62.75 0.00 5,896.78 61.73 6,248.03 3.72 7,298.29 11.11 7,318.34 0.21 7,318.34 0.00 7,336.50 0.19 7,336.50 0.00 8,947.93 17.05 8,987.13 0.41 8,987.13 0.00 8,987.13 0.00 8,987.13 0.00 8,987.13 0.00 9,205.10 2.31 9,205.10 0.00 9,400.85 2.07 9,400.85 0.00 9,450.85 0.53

0.66 15.79 0.66 0.00 62.39 716.46 66.11 48.68 77.22 77.57 77.44 1.54 77.44 0.00 77.63 1.15 77.63 0.00 94.68 229.73 95.09 9.87 95.09 0.00 95.09 0.00 95.09 0.00 95.09 0.00 97.40 27.09 97.40 0.00 99.47 79.59 99.47 0.00 100.0 121.48

15.79 8.01 369.14 269.43 198.71 147.13 115.71 92.82 81.00 91.69 88.49 82.31 78.54 72.71 68.21 65.84 64.20 64.46 64.15 64.31

64.31

Page 37 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

DATA POSITION FROM

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

1,185 1,313 1,311 698 740 415 257 272 124 71 52 49 36 39 16 29 20 6 5 3

188.22 349.83 688.64 706.63 1,215.00 1,009.04 993.00 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

6,641

17.84 19.77 19.74 10.51 11.14 6.25 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

01/01/2007

15/12/2010

DATE

15/03/2011

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,185 2,498 3,809 4,507 5,247 5,662 5,919 6,191 6,315 6,386 6,438 6,487 6,523 6,562 6,578 6,607 6,627 6,633 6,638 6,641

17.84 37.61 57.36 67.87 79.01 85.26 89.13 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

10,262.13

188.22 1.83 1.83 538.05 3.41 5.24 1,226.69 6.71 11.95 1,933.31 6.89 18.84 3,148.32 11.84 30.68 4,157.36 9.83 40.51 5,150.36 9.68 50.19 6,370.50 11.89 62.08 7,056.59 6.69 68.76 7,525.71 4.57 73.33 7,856.62 3.22 76.56 8,347.90 4.79 81.35 8,599.87 2.46 83.80 8,976.12 3.67 87.47 9,329.84 3.45 90.92 9,909.80 5.65 96.57 10,159.13 2.43 99.00 10,183.32 0.24 99.23 10,233.65 0.49 99.72 10,262.13 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

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP 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

LOSS RATIO PERCENTAGE BAND CUM 0.00 7.74 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 5.03 2.21 1.40 0.86 0.65 0.53 0.43 2.54 2.39 2.28 2.15 2.09 2.00 1.92 4.90 4.78 4.77 4.74 4.73

4.73

Page 38 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

5,236 6,154 5,804 3,241 2,939 1,329 869 698 380 207 161 190 137 129 107 137 117 31 29 17 27,912

5,236 11,390 17,194 20,435 23,374 24,703 25,572 26,270 26,650 26,857 27,018 27,208 27,345 27,474 27,581 27,718 27,835 27,866 27,895 27,912

18.76 22.05 20.79 11.61 10.53 4.76 3.11 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

18.76 40.81 61.60 73.21 83.74 88.50 91.62 94.12 95.48 96.22 96.80 97.48 97.97 98.43 98.81 99.30 99.72 99.84 99.94 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,145.28 1,618.22 2,778.33 2,949.79 4,162.15 2,854.02 2,368.94 2,360.47 1,657.42 894.76 912.81 1,376.32 947.32 1,179.12 1,156.08 1,848.83 2,500.90 789.72 620.24 7,283.26 41,403.98

1,145.28 2,763.50 5,541.83 8,491.62 12,653.77 15,507.79 17,876.72 20,237.20 21,894.61 22,789.38 23,702.19 25,078.51 26,025.82 27,204.95 28,361.03 30,209.86 32,710.76 33,500.48 34,120.72 41,403.98

2.77 2.77 3.91 6.67 6.71 13.38 7.12 20.51 10.05 30.56 6.89 37.45 5.72 43.18 5.70 48.88 4.00 52.88 2.16 55.04 2.20 57.25 3.32 60.57 2.29 62.86 2.85 65.71 2.79 68.50 4.47 72.96 6.04 79.00 1.91 80.91 1.50 82.41 17.59 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 6 1 3 6 6 0 3 6 3 3 1 0 1 2 3 3 1 4 3 2

6 7 10 16 22 22 25 31 34 37 38 38 39 41 44 47 48 52 55 57

10.53 1.75 5.26 10.53 10.53 0.00 5.26 10.53 5.26 5.26 1.75 0.00 1.75 3.51 5.26 5.26 1.75 7.02 5.26 3.51

10.53 12.28 17.54 28.07 38.60 38.60 43.86 54.39 59.65 64.91 66.67 66.67 68.42 71.93 77.19 82.46 84.21 91.23 96.49 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 164.50 164.50 100.00 264.50 250.89 515.39 372.81 888.20 256.26 1,144.46 0.00 1,144.46 1,789.59 2,934.05 2,606.07 5,540.12 90.71 5,630.83 1,126.27 6,757.10 7.48 6,764.58 0.00 6,764.58 758.94 7,523.52 83.79 7,607.31 328.47 7,935.78 1,232.93 9,168.71 60.50 9,229.21 264.31 9,493.52 395.82 9,889.34 502.19 10,391.53 10,391.53

1.58 0.96 2.41 3.59 2.47 0.00 17.22 25.08 0.87 10.84 0.07 0.00 7.30 0.81 3.16 11.86 0.58 2.54 3.81 4.83

1.58 14.36 2.55 6.18 4.96 9.03 8.55 12.64 11.01 6.16 11.01 0.00 28.23 75.54 53.31 110.40 54.19 5.47 65.03 125.87 65.10 0.82 65.10 0.00 72.40 80.11 73.21 7.11 76.37 28.41 88.23 66.69 88.81 2.42 91.36 33.47 95.17 63.82 100.00 6.90

14.36 9.57 9.30 10.46 9.04 7.38 16.41 27.38 25.72 29.65 28.54 26.97 28.91 27.96 27.98 30.35 28.21 28.34 28.98 25.10

25.10

Page 39 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. 611 809 860 527 540 266 158 120 41 31 13 26 15 11 9 8 8 1 3 3 4,060

611 1,420 2,280 2,807 3,347 3,613 3,771 3,891 3,932 3,963 3,976 4,002 4,017 4,028 4,037 4,045 4,053 4,054 4,057 4,060

15.05 19.93 21.18 12.98 13.30 6.55 3.89 2.96 1.01 0.76 0.32 0.64 0.37 0.27 0.22 0.20 0.20 0.02 0.07 0.07

15.05 34.98 56.16 69.14 82.44 88.99 92.88 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. 110.31 157.21 404.49 529.11 856.02 683.91 505.03 562.47 190.70 176.08 54.78 168.30 82.96 86.71 10.92 76.16 167.34 0.31 24.14 68.87 4,915.80

110.31 267.52 672.01 1,201.12 2,057.13 2,741.04 3,246.07 3,808.54 3,999.24 4,175.32 4,230.10 4,398.40 4,481.35 4,568.06 4,578.98 4,655.14 4,822.48 4,822.79 4,846.93 4,915.80

2.24 2.24 3.20 5.44 8.23 13.67 10.76 24.43 17.41 41.85 13.91 55.76 10.27 66.03 11.44 77.48 3.88 81.35 3.58 84.94 1.11 86.05 3.42 89.47 1.69 91.16 1.76 92.93 0.22 93.15 1.55 94.70 3.40 98.10 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 2 9

2 3 4 5 5 5 6 6 6 6 6 6 6 7 7 7 7 7 7 9

22.22 22.22 11.11 33.33 11.11 44.44 11.11 55.56 0.00 55.56 0.00 55.56 11.11 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 11.11 77.78 0.00 77.78 0.00 77.78 0.00 77.78 0.00 77.78 0.00 77.78 22.22 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP 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 0.00 307.74 3,429.86

10.47 78.57 97.81 112.71 112.71 112.71 139.38 139.38 139.38 139.38 139.38 139.38 139.38 3,122.12 3,122.12 3,122.12 3,122.12 3,122.12 3,122.12 3,429.86

0.31 1.99 0.56 0.43 0.00 0.00 0.78 0.00 0.00 0.00 0.00 0.00 0.00 86.96 0.00 0.00 0.00 0.00 0.00 8.97

0.31 2.29 2.85 3.29 3.29 3.29 4.06 4.06 4.06 4.06 4.06 4.06 4.06 91.03 91.03 91.03 91.03 91.03 91.03 100.00

LOSS RATIO PERCENTAGE BAND CUM 9.49 43.32 4.76 2.82 0.00 0.00 5.28 0.00 0.00 0.00 0.00 0.00 0.00 3440.05 0.00 0.00 0.00 0.00 0.00 446.87

9.49 29.37 14.55 9.38 5.48 4.11 4.29 3.66 3.49 3.34 3.29 3.17 3.11 68.35 68.18 67.07 64.74 64.74 64.41 69.77

69.77

Page 40 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. 3,144 2,858 3,023 2,001 2,297 1,434 1,208 1,062 655 375 290 318 175 249 133 176 144 42 45 11 19,640

DATA POSITION FROM

3,144 6,002 9,025 11,026 13,323 14,757 15,965 17,027 17,682 18,057 18,347 18,665 18,840 19,089 19,222 19,398 19,542 19,584 19,629 19,640

16.01 14.55 15.39 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

16.01 30.56 45.95 56.14 67.84 75.14 81.29 86.70 90.03 91.94 93.42 95.04 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. 1,324.90 537.09 1,127.09 1,180.79 2,213.07 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 33,423.12

1,324.90 3.96 3.96 1,861.99 1.61 5.57 2,989.08 3.37 8.94 4,169.87 3.53 12.48 6,382.95 6.62 19.10 8,328.08 5.82 24.92 10,495.01 6.48 31.40 13,147.25 7.94 39.34 15,022.29 5.61 44.95 16,460.14 4.30 49.25 17,597.56 3.40 52.65 19,588.70 5.96 58.61 20,676.43 3.25 61.86 22,667.16 5.96 67.82 23,968.21 3.89 71.71 26,134.04 6.48 78.19 28,462.04 6.97 85.16 29,125.42 1.98 87.14 29,840.48 2.14 89.28 33,423.12 10.72 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 19 5 1 3 3 9 2 13 13 7 3 9 4 9 7 10 16 9 8 14 164

19 11.59 11.59 24 3.05 14.63 25 0.61 15.24 28 1.83 17.07 31 1.83 18.90 40 5.49 24.39 42 1.22 25.61 55 7.93 33.54 68 7.93 41.46 75 4.27 45.73 78 1.83 47.56 87 5.49 53.05 91 2.44 55.49 100 5.49 60.98 107 4.27 65.24 117 6.10 71.34 133 9.76 81.10 142 5.49 86.59 150 4.88 91.46 164 8.54 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3,670.06 108.03 1.12 134.34 509.50 265.32 205.96 398.94 2,840.08 250.75 39.71 486.81 76.05 917.96 157.55 60.85 378.71 1,292.60 1,156.92 1,830.61 14,781.86

3,670.06 24.83 3,778.08 0.73 3,779.20 0.01 3,913.54 0.91 4,423.04 3.45 4,688.36 1.79 4,894.32 1.39 5,293.26 2.70 8,133.34 19.21 8,384.09 1.70 8,423.80 0.27 8,910.61 3.29 8,986.66 0.51 9,904.62 6.21 10,062.17 1.07 10,123.02 0.41 10,501.73 2.56 11,794.33 8.74 12,951.25 7.83 14,781.86 12.38

24.83 25.56 25.57 26.48 29.92 31.72 33.11 35.81 55.02 56.72 56.99 60.28 60.80 67.01 68.07 68.48 71.04 79.79 87.62 100.00

277.01 277.01 20.11 202.91 0.10 126.43 11.38 93.85 23.02 69.29 13.64 56.30 9.50 46.63 15.04 40.26 151.47 54.14 17.44 50.94 3.49 47.87 24.45 45.49 6.99 43.46 46.11 43.70 12.11 41.98 2.81 38.74 16.27 36.90 194.85 40.49 161.79 43.40 51.10 44.23 44.23

Page 41 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

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,263 1,481 1,480 659 576 351 179 164 97 37 33 43 23 24 13 17 18 4 6 1 6,469

1,263 2,744 4,224 4,883 5,459 5,810 5,989 6,153 6,250 6,287 6,320 6,363 6,386 6,410 6,423 6,440 6,458 6,462 6,468 6,469

19.52 22.89 22.88 10.19 8.90 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

19.52 42.42 65.30 75.48 84.39 89.81 92.58 95.12 96.61 97.19 97.70 98.36 98.72 99.09 99.29 99.55 99.83 99.89 99.98 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 607.10 310.69 711.52 544.81 802.90 712.44 488.04 505.71 327.95 191.54 185.52 223.48 136.26 623.22 67.64 176.62 291.63 16.12 2,186.39 0.00 9,109.58

607.10 6.66 6.66 917.79 3.41 10.07 1,629.30 7.81 17.89 2,174.11 5.98 23.87 2,977.01 8.81 32.68 3,689.46 7.82 40.50 4,177.50 5.36 45.86 4,683.21 5.55 51.41 5,011.16 3.60 55.01 5,202.70 2.10 57.11 5,388.22 2.04 59.15 5,611.70 2.45 61.60 5,747.95 1.50 63.10 6,371.18 6.84 69.94 6,438.82 0.74 70.68 6,615.44 1.94 72.62 6,907.07 3.20 75.82 6,923.19 0.18 76.00 9,109.58 24.00 100.00 9,109.58 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

01/01/2007

15/12/2010

DATE

15/03/2011

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

3 3 2 0 1 4 1 0 0 0 0 0 0 49 0 1 7 0 0 0

3 4.23 4.23 23.49 6 4.23 8.45 66.25 8 2.82 11.27 242.89 8 0.00 11.27 0.00 9 1.41 12.68 15.75 13 5.63 18.31 1,089.17 14 1.41 19.72 40.86 14 0.00 19.72 0.00 14 0.00 19.72 0.00 14 0.00 19.72 0.00 14 0.00 19.72 0.00 14 0.00 19.72 0.00 14 0.00 19.72 0.00 63 69.01 88.73 144.35 63 0.00 88.73 0.00 64 1.41 90.14 8.81 71 9.86 100.00 270.37 71 0.00 100.00 0.00 71 0.00 100.00 0.00 71 0.00 100.00 0.00

1,901.94

23.49 1.24 89.74 3.48 332.63 12.77 332.63 0.00 348.38 0.83 1,437.56 57.27 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 7.59 1,622.77 0.00 1,631.57 0.46 1,901.94 14.22 1,901.94 0.00 1,901.94 0.00 1,901.94 0.00

1.24 3.87 4.72 21.32 17.49 34.14 17.49 0.00 18.32 1.96 75.58 152.88 77.73 8.37 77.73 0.00 77.73 0.00 77.73 0.00 77.73 0.00 77.73 0.00 77.73 0.00 85.32 23.16 85.32 0.00 85.78 4.99 100.00 92.71 100.00 0.00 100.00 0.00 100.00 0.00

3.87 9.78 20.42 15.30 11.70 38.96 35.39 31.57 29.50 28.42 27.44 26.35 25.72 25.47 25.20 24.66 27.54 27.47 20.88 20.88

20.88

Page 42 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

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 603 865 990 515 534 337 192 172 76 44 35 34 8 16 14 4 5 1 0 0 4,445

603 1,468 2,458 2,973 3,507 3,844 4,036 4,208 4,284 4,328 4,363 4,397 4,405 4,421 4,435 4,439 4,444 4,445 4,445 4,445

13.57 19.46 22.27 11.59 12.01 7.58 4.32 3.87 1.71 0.99 0.79 0.76 0.18 0.36 0.31 0.09 0.11 0.02 0.00 0.00

13.57 33.03 55.30 66.88 78.90 86.48 90.80 94.67 96.38 97.37 98.16 98.92 99.10 99.46 99.78 99.87 99.98 100.00 100.00 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 120.27 231.05 647.25 475.55 920.52 858.39 662.63 670.97 426.21 246.19 218.93 257.77 102.90 82.20 80.39 42.21 113.29 16.00 0.00 0.00 6,172.72

120.27 351.32 998.57 1,474.12 2,394.64 3,253.03 3,915.66 4,586.63 5,012.84 5,259.03 5,477.96 5,735.73 5,838.63 5,920.83 6,001.22 6,043.43 6,156.72 6,172.72 6,172.72 6,172.72

1.95 1.95 3.74 5.69 10.49 16.18 7.70 23.88 14.91 38.79 13.91 52.70 10.73 63.43 10.87 74.30 6.90 81.21 3.99 85.20 3.55 88.74 4.18 92.92 1.67 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 2 1 0 0 0 0 0 0 0 0 0 0 0 9

0 0 1 2 3 6 6 8 9 9 9 9 9 9 9 9 9 9 9 9

0.00 0.00 11.11 11.11 11.11 33.33 0.00 22.22 11.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 11.11 22.22 33.33 66.67 66.67 88.89 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

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 0.00 341.36 835.73 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,154.31

0.00 0.00 0.00 0.00 68.75 3.19 165.78 4.50 242.32 3.55 977.22 34.11 977.22 0.00 1,318.59 15.85 2,154.31 38.79 2,154.31 0.00 2,154.31 0.00 2,154.31 0.00 2,154.31 0.00 2,154.31 0.00 2,154.31 0.00 2,154.31 0.00 2,154.31 0.00 2,154.31 0.00 2,154.31 0.00 2,154.31 0.00

0.00 0.00 0.00 0.00 3.19 10.62 7.70 20.40 11.25 8.31 45.36 85.61 45.36 0.00 61.21 50.88 100.00 196.08 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

0.00 0.00 6.89 11.25 10.12 30.04 24.96 28.75 42.98 40.96 39.33 37.56 36.90 36.39 35.90 35.65 34.99 34.90 34.90 34.90

34.90

Page 43 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

DATA POSITION FROM 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

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

15/12/2010

DATE

15/03/2011

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 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

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 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 44 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

DATA POSITION FROM

3,863

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

01/01/2007

15/12/2010

DATE

15/03/2011

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 9,074.25

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 9

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 2,397.83

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

26.42

Page 45 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

DATA POSITION FROM

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

01/01/2007

15/12/2010

DATE

15/03/2011

PROCESSING

NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE rp RP F BAND CUM. BAND CUM. 84 147 166 81 104 85 67 76 49 21 11 18 8 8 7 1 1 1 2 0

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

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 BAND CUM. 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

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

100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 401.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 401.43

401.43 100.0 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00 401.43 0.00

100.00 454.27 454.27 100.00 0.00 303.22 100.00 0.00 180.61 100.00 0.00 128.32 100.00 0.00 81.30 100.00 0.00 57.90 100.00 0.00 43.35 100.00 0.00 30.43 100.00 0.00 23.95 100.00 0.00 21.76 100.00 0.00 20.79 100.00 0.00 19.00 100.00 0.00 18.00 100.00 0.00 16.94 100.00 0.00 16.44 100.00 0.00 16.43 100.00 0.00 16.26 100.00 0.00 16.02 100.00 0.00 15.49 100.00 0.00 15.49 15.49

Page 46 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

DATA POSITION FROM 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

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 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 1 12.50 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 8 87.50 8 0.00 8 0.00 8 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.50 12.50 12.50 12.50 12.50 12.50 12.50 12.50 12.50 100.00 100.00 100.00 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

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 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 47 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

7,756 8,523 10,402 6,574 6,442 2,973 1,808 1,477 955 548 487 603 485 706 433 706 672 312 388 123 52,373

7,756 16,279 26,681 33,255 39,697 42,670 44,478 45,955 46,910 47,458 47,945 48,548 49,033 49,739 50,172 50,878 51,550 51,862 52,250 52,373

14.81 16.27 19.86 12.55 12.30 5.68 3.45 2.82 1.82 1.05 0.93 1.15 0.93 1.35 0.83 1.35 1.28 0.60 0.74 0.23

14.81 31.08 50.94 63.50 75.80 81.47 84.93 87.75 89.57 90.62 91.55 92.70 93.62 94.97 95.80 97.15 98.43 99.02 99.77 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5,530.65 1,753.34 3,600.75 3,753.08 5,200.63 3,655.07 5,797.43 3,785.03 3,191.88 2,272.76 2,045.23 3,308.75 3,190.88 5,288.34 4,212.43 9,361.87 11,965.78 5,232.68 9,776.59 4,931.25 97,854.43

5,530.65 5.65 5.65 7,283.99 1.79 7.44 10,884.75 3.68 11.12 14,637.82 3.84 14.96 19,838.46 5.31 20.27 23,493.53 3.74 24.01 29,290.96 5.92 29.93 33,075.99 3.87 33.80 36,267.87 3.26 37.06 38,540.63 2.32 39.39 40,585.85 2.09 41.48 43,894.61 3.38 44.86 47,085.49 3.26 48.12 52,373.83 5.40 53.52 56,586.25 4.30 57.83 65,948.12 9.57 67.39 77,913.90 12.23 79.62 83,146.58 5.35 84.97 92,923.18 9.99 94.96 97,854.43 5.04 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

01/01/2007

15/12/2010

DATE

15/03/2011

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

53 13 25 43 38 27 13 25 17 6 22 23 18 24 24 27 50 95 50 48

53 8.27 8.27 29,374.25 66 2.03 10.30 183.12 91 3.90 14.20 928.09 134 6.71 20.90 1,551.66 172 5.93 26.83 2,318.30 199 4.21 31.05 2,515.71 212 2.03 33.07 2,468.82 237 3.90 36.97 6,100.35 254 2.65 39.63 1,296.28 260 0.94 40.56 3,044.47 282 3.43 43.99 8,160.57 305 3.59 47.58 5,019.42 323 2.81 50.39 5,672.23 347 3.74 54.13 52,467.31 371 3.74 57.88 5,616.33 398 4.21 62.09 29,359.60 448 7.80 69.89 14,543.90 543 14.82 84.71 10,566.05 593 7.80 92.51 60,864.70 641 7.49 100.00 246,983.44

641

489,034.59

29,374.25 6.01 29,557.37 0.04 30,485.46 0.19 32,037.12 0.32 34,355.42 0.47 36,871.13 0.51 39,339.95 0.50 45,440.30 1.25 46,736.58 0.27 49,781.05 0.62 57,941.62 1.67 62,961.03 1.03 68,633.27 1.16 121,100.58 10.73 126,716.91 1.15 156,076.51 6.00 170,620.41 2.97 181,186.46 2.16 242,051.15 12.45 489,034.59 50.50

6.01 6.04 6.23 6.55 7.03 7.54 8.04 9.29 9.56 10.18 11.85 12.87 14.03 24.76 25.91 31.92 34.89 37.05 49.50 100.00

531.12 10.44 25.77 41.34 44.58 68.83 42.58 161.17 40.61 133.95 399.01 151.70 177.76 992.13 133.33 313.61 121.55 201.92 622.56 5008.5

531.12 405.79 280.08 218.87 173.18 156.94 134.31 137.38 128.86 129.17 142.76 143.44 145.76 231.22 223.94 236.67 218.99 217.91 260.49 499.76

499.76

Page 48 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 426 337 457 294 342 199 116 95 55 24 17 26 18 19 17 6 6 16 7 1 2,478

426 763 1,220 1,514 1,856 2,055 2,171 2,266 2,321 2,345 2,362 2,388 2,406 2,425 2,442 2,448 2,454 2,470 2,477 2,478

17.19 13.60 18.44 11.86 13.80 8.03 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

17.19 30.79 49.23 61.10 74.90 82.93 87.61 91.44 93.66 94.63 95.32 96.37 97.09 97.86 98.55 98.79 99.03 99.68 99.96 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 257.43 91.51 206.20 263.26 443.78 356.26 248.67 303.05 213.12 89.08 104.03 150.26 89.18 179.13 80.92 79.56 196.58 476.11 79.73 0.22 3,908.07

257.43 6.59 6.59 348.94 2.34 8.93 555.14 5.28 14.20 818.40 6.74 20.94 1,262.19 11.36 32.30 1,618.44 9.12 41.41 1,867.11 6.36 47.78 2,170.16 7.75 55.53 2,383.28 5.45 60.98 2,472.36 2.28 63.26 2,576.39 2.66 65.92 2,726.64 3.84 69.77 2,815.83 2.28 72.05 2,994.96 4.58 76.64 3,075.87 2.07 78.71 3,155.43 2.04 80.74 3,352.01 5.03 85.77 3,828.12 12.18 97.95 3,907.85 2.04 99.99 3,908.07 0.01 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

01/01/2007

15/12/2010

DATE

15/03/2011

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

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

5 38.46 38.46 118.73 5 0.00 38.46 0.00 6 7.69 46.15 139.55 6 0.00 46.15 0.00 8 15.38 61.54 6.67 8 0.00 61.54 0.00 8 0.00 61.54 0.00 8 0.00 61.54 0.00 9 7.69 69.23 1,947.84 9 0.00 69.23 0.00 9 0.00 69.23 0.00 9 0.00 69.23 0.00 10 7.69 76.92 258.99 10 0.00 76.92 0.00 10 0.00 76.92 0.00 10 0.00 76.92 0.00 10 0.00 76.92 0.00 10 0.00 76.92 0.00 12 15.38 92.31 216.53 13 7.69 100.00 31.89

2,720.20

118.73 4.36 118.73 0.00 258.28 5.13 258.28 0.00 264.95 0.25 264.95 0.00 264.95 0.00 264.95 0.00 2,212.79 71.61 2,212.79 0.00 2,212.79 0.00 2,212.79 0.00 2,471.78 9.52 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 7.96 2,720.20 1.17

4.36 4.36 9.49 9.49 9.74 9.74 9.74 9.74 81.35 81.35 81.35 81.35 90.87 90.87 90.87 90.87 90.87 90.87 98.83 100.00

46.12 0.00 67.68 0.00 1.50 0.00 0.00 0.00 913.98 0.00 0.00 0.00 290.40 0.00 0.00 0.00 0.00 0.00 271.59 14462.

46.12 34.03 46.52 31.56 20.99 16.37 14.19 12.21 92.85 89.50 85.89 81.15 87.78 82.53 80.36 78.33 73.74 64.57 68.79 69.60

69.60

Page of 49 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

DATA POSITION FROM

2,309

360 864 1,354 1,576 1,811 1,954 2,043 2,133 2,181 2,211 2,228 2,260 2,279 2,283 2,289 2,298 2,306 2,307 2,308 2,309

01/01/2007

15/12/2010

DATE

15/03/2011

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 360 504 490 222 235 143 89 90 48 30 17 32 19 4 6 9 8 1 1 1

15.59 21.83 21.22 9.61 10.18 6.19 3.85 3.90 2.08 1.30 0.74 1.39 0.82 0.17 0.26 0.39 0.35 0.04 0.04 0.04

15.59 37.42 58.64 68.25 78.43 84.63 88.48 92.38 94.46 95.76 96.49 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 87.18 194.91 139.81 243.09 245.31 230.38 292.27 202.31 182.75 90.19 182.83 165.42 22.73 36.74 138.28 337.14 22.39 10.97 23.93 2,881.15

32.53 1.13 1.13 119.71 3.03 4.15 314.62 6.77 10.92 454.43 4.85 15.77 697.53 8.44 24.21 942.83 8.51 32.72 1,173.21 8.00 40.72 1,465.48 10.14 50.86 1,667.79 7.02 57.89 1,850.54 6.34 64.23 1,940.72 3.13 67.36 2,123.56 6.35 73.71 2,288.98 5.74 79.45 2,311.71 0.79 80.24 2,348.45 1.28 81.51 2,486.73 4.80 86.31 2,823.87 11.70 98.01 2,846.26 0.78 98.79 2,857.22 0.38 99.17 2,881.15 0.83 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 1 3 1 1 0 0 3 0 0 0 0 0 0 0 5 0 0 0 14

0 0.00 0.00 0 0.00 0.00 1 7.14 7.14 4 21.43 28.57 5 7.14 35.71 6 7.14 42.86 6 0.00 42.86 6 0.00 42.86 9 21.43 64.29 9 0.00 64.29 9 0.00 64.29 9 0.00 64.29 9 0.00 64.29 9 0.00 64.29 9 0.00 64.29 9 0.00 64.29 14 35.71 100.00 14 0.00 100.00 14 0.00 100.00 14 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 5.00 11.45 296.72 1.00 0.00 0.00 1,411.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 40.89 0.00 0.00 0.00 1,766.52

0.00 0.00 0.00 0.00 5.00 0.28 16.45 0.65 313.17 16.80 314.17 0.06 314.17 0.00 314.17 0.00 1,725.63 79.90 1,725.63 0.00 1,725.63 0.00 1,725.63 0.00 1,725.63 0.00 1,725.63 0.00 1,725.63 0.00 1,725.63 0.00 1,766.52 2.31 1,766.52 0.00 1,766.52 0.00 1,766.52 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.28 2.57 1.59 0.93 8.19 3.62 17.73 122.06 44.90 17.78 0.41 33.32 17.78 0.00 26.78 17.78 0.00 21.44 97.69 697.68 103.47 97.69 0.00 93.25 97.69 0.00 88.92 97.69 0.00 81.26 97.69 0.00 75.39 97.69 0.00 74.65 97.69 0.00 73.48 97.69 0.00 69.39 100.00 12.13 62.56 100.00 0.00 62.06 100.00 0.00 61.83 100.00 0.00 61.31 61.31

Page 50 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

2,269 2,560 3,212 2,113 2,140 895 538 393 216 127 86 128 70 136 63 117 97 53 67 34

1,031.06 476.60 1,266.01 1,492.21 2,673.61 1,616.33 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 2,083.66 10,836.69

15,314

2,269 4,829 8,041 10,154 12,294 13,189 13,727 14,120 14,336 14,463 14,549 14,677 14,747 14,883 14,946 15,063 15,160 15,213 15,280 15,314

14.82 16.72 20.97 13.80 13.97 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

14.82 31.53 52.51 66.31 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

34,479.18

1,031.06 2.99 2.99 1,507.66 1.38 4.37 2,773.67 3.67 8.04 4,265.88 4.33 12.37 6,939.49 7.75 20.13 8,555.81 4.69 24.81 9,928.19 3.98 28.79 11,405.80 4.29 33.08 12,311.71 2.63 35.71 12,938.43 1.82 37.53 13,359.79 1.22 38.75 14,164.66 2.33 41.08 14,793.71 1.82 42.91 15,939.82 3.32 46.23 16,511.63 1.66 47.89 18,152.25 4.76 52.65 20,112.67 5.69 58.33 21,558.83 4.19 62.53 23,642.49 6.04 68.57 34,479.18 31.43 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 4 7 4 4 1 4 1 1 0 0 1 0 2 2 5 4 9 8 4 67

6 8.96 8.96 10 5.97 14.93 17 10.45 25.37 21 5.97 31.34 25 5.97 37.31 26 1.49 38.81 30 5.97 44.78 31 1.49 46.27 32 1.49 47.76 32 0.00 47.76 32 0.00 47.76 33 1.49 49.25 33 0.00 49.25 35 2.99 52.24 37 2.99 55.22 42 7.46 62.69 46 5.97 68.66 55 13.43 82.09 63 11.94 94.03 67 5.97 100.00

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,257.86 233.08 402.96 459.97 818.60 367.96 2,197.54 154.95 1.20 0.00 0.00 135.22 0.00 45.78 886.90 1,768.16 136.99 1,007.35 5,106.50 366.71 15,347.74

1,257.86 8.20 1,490.93 1.52 1,893.89 2.63 2,353.86 3.00 3,172.46 5.33 3,540.42 2.40 5,737.96 14.32 5,892.92 1.01 5,894.12 0.01 5,894.12 0.00 5,894.12 0.00 6,029.34 0.88 6,029.34 0.00 6,075.11 0.30 6,962.02 5.78 8,730.18 11.52 8,867.17 0.89 9,874.52 6.56 14,981.02 33.27 15,347.74 2.39

8.20 9.71 12.34 15.34 20.67 23.07 37.39 38.40 38.40 38.40 38.40 39.28 39.28 39.58 45.36 56.88 57.78 64.34 97.61 100.00

LOSS RATIO PERCENTAGE BAND CUM 122.00 122.00 48.90 98.89 31.83 68.28 30.82 55.18 30.62 45.72 22.77 41.38 160.13 57.79 10.49 51.67 0.13 47.87 0.00 45.56 0.00 44.12 16.80 42.57 0.00 40.76 3.99 38.11 155.10 42.16 107.77 48.09 6.99 44.09 69.66 45.80 245.07 63.36 3.38 44.51 44.51

Page 51 of 204

RISK AND LOSS PROFILE 2008

PT. REASURANSI INTERNASIONAL 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

DATA POSITION FROM

01/01/2008

UNDERWRITING YEAR

2008

15/12/2010

OCCUPATION CODE

All Code

PROCESSING DATE

15/03/2011

BAND

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

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

164,615 152,289 190,751 120,001 132,640 71,369 49,481 39,803 22,619 12,758 9,968 11,789 7,917 10,487 6,376 10,985 9,328 4,494 5,804 2,258 1,035,732

164,615 316,904 507,655 627,656 760,296 831,665 881,146 920,949 943,568 956,326 966,294 978,083 986,000 996,487 1,002,863 1,013,848 1,023,176 1,027,670 1,033,474 1,035,732

15.89 15.89 14.70 30.60 18.42 49.01 11.59 60.60 12.81 73.41 6.89 80.30 4.78 85.07 3.84 88.92 2.18 91.10 1.23 92.33 0.96 93.30 1.14 94.43 0.76 95.20 1.01 96.21 0.62 96.83 1.06 97.89 0.90 98.79 0.43 99.22 0.56 99.78 0.22 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 174,235.17 35,536.34 75,702.84 73,935.00 127,072.56 97,216.04 90,793.72 96,870.90 71,359.04 47,259.34 44,890.05 60,374.09 48,621.69 76,952.55 58,091.04 135,660.12 146,345.25 79,475.41 102,532.95 194,086.56 1,837,010.66

174,235.17 9.48 9.48 209,771.51 1.93 11.42 285,474.35 4.12 15.54 359,409.34 4.02 19.56 486,481.90 6.92 26.48 583,697.94 5.29 31.77 674,491.66 4.94 36.72 771,362.56 5.27 41.99 842,721.61 3.88 45.87 889,980.95 2.57 48.45 934,870.99 2.44 50.89 995,245.08 3.29 54.18 1,043,866.77 2.65 56.82 1,120,819.33 4.19 61.01 1,178,910.37 3.16 64.18 1,314,570.49 7.38 71.56 1,460,915.73 7.97 79.53 1,540,391.14 4.33 83.85 1,642,924.10 5.58 89.43 1,837,010.66 10.57 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

674 176 316 210 298 201 196 219 158 115 107 137 128 164 111 413 488 358 623 435 5,527

674 850 1,166 1,376 1,674 1,875 2,071 2,290 2,448 2,563 2,670 2,807 2,935 3,099 3,210 3,623 4,111 4,469 5,092 5,527

12.19 3.18 5.72 3.80 5.39 3.64 3.55 3.96 2.86 2.08 1.94 2.48 2.32 2.97 2.01 7.47 8.83 6.48 11.27 7.87

12.19 15.38 21.10 24.90 30.29 33.92 37.47 41.43 44.29 46.37 48.31 50.79 53.10 56.07 58.08 65.55 74.38 80.86 92.13 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 274,600.22 9,424.27 21,315.55 14,633.91 30,272.41 22,290.50 29,125.05 44,104.20 26,219.80 29,571.30 23,185.47 40,742.15 32,737.30 48,588.21 20,714.22 254,230.34 260,605.40 310,965.66 491,974.92 310,577.73 2,295,878.62

274,600.22 284,024.49 305,340.04 319,973.95 350,246.36 372,536.86 401,661.92 445,766.12 471,985.91 501,557.21 524,742.68 565,484.84 598,222.14 646,810.35 667,524.57 921,754.91 1,182,360.31 1,493,325.97 1,985,300.89 2,295,878.62

11.96 11.96 0.41 12.37 0.93 13.30 0.64 13.94 1.32 15.26 0.97 16.23 1.27 17.49 1.92 19.42 1.14 20.56 1.29 21.85 1.01 22.86 1.77 24.63 1.43 26.06 2.12 28.17 0.90 29.07 11.07 40.15 11.35 51.50 13.54 65.04 21.43 86.47 13.53 100.00

157.60 26.52 28.16 19.79 23.82 22.93 32.08 45.53 36.74 62.57 51.65 67.48 67.33 63.14 35.66 187.40 178.08 391.27 479.82 160.02

157.60 135.40 106.96 89.03 72.00 63.82 59.55 57.79 56.01 56.36 56.13 56.82 57.31 57.71 56.62 70.12 80.93 96.94 120.84 124.98

124.98

Page 52 of 204

RISK AND LOSS PROFILE 2008 GROUP BY CLASS OF BUSINESS

PT. REASURANSI INTERNASIONAL 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 (In Million) From To

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 134,110 143,037 176,522 108,011 115,124 55,969 37,182 27,600 14,637 7,859 5,714 6,443 3,978 4,852 2,778 4,081 3,196 1,307 1,997 778 855,175

134,110 277,147 453,669 561,680 676,804 732,773 769,955 797,555 812,192 820,051 825,765 832,208 836,186 841,038 843,816 847,897 851,093 852,400 854,397 855,175

15.68 15.68 16.73 32.41 20.64 53.05 12.63 65.68 13.46 79.14 6.54 85.69 4.35 90.03 3.23 93.26 1.71 94.97 0.92 95.89 0.67 96.56 0.75 97.31 0.47 97.78 0.57 98.35 0.32 98.67 0.48 99.15 0.37 99.52 0.15 99.68 0.23 99.91 0.09 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 54,508.90 54,508.90 5.42 5.42 33,778.99 88,287.89 3.36 8.78 71,436.69 159,724.58 7.10 15.88 68,642.62 228,367.20 6.82 22.70 115,524.26 343,891.46 11.48 34.19 83,115.51 427,006.97 8.26 42.45 75,616.04 502,623.01 7.52 49.97 76,077.50 578,700.51 7.56 57.53 53,238.26 631,938.77 5.29 62.82 33,651.81 665,590.58 3.35 66.17 30,381.33 695,971.90 3.02 69.19 38,841.20 734,813.10 3.86 73.05 29,393.72 764,206.82 2.92 75.97 42,922.93 807,129.74 4.27 80.24 30,523.69 837,653.43 3.03 83.27 58,402.25 896,055.68 5.81 89.08 53,192.00 949,247.68 5.29 94.37 22,652.71 971,900.39 2.25 96.62 20,037.32 991,937.71 1.99 98.61 13,966.27 1,005,903.98 1.39 100.00 1,005,903.98

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 299 123 202 113 144 103 84 84 64 45 45 45 35 66 45 175 190 63 123 40 2,088

299 14.32 14.32 422 5.89 20.21 624 9.67 29.89 737 5.41 35.30 881 6.90 42.19 984 4.93 47.13 1,068 4.02 51.15 1,152 4.02 55.17 1,216 3.07 58.24 1,261 2.16 60.39 1,306 2.16 62.55 1,351 2.16 64.70 1,386 1.68 66.38 1,452 3.16 69.54 1,497 2.16 71.70 1,672 8.38 80.08 1,862 9.10 89.18 1,925 3.02 92.19 2,048 5.89 98.08 2,088 1.92 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 36,914.68 36,914.68 6,255.44 43,170.12 19,312.21 62,482.33 10,411.07 72,893.40 18,857.16 91,750.56 16,406.65 108,157.22 18,592.87 126,750.09 25,163.76 151,913.85 12,157.25 164,071.10 18,010.92 182,082.02 13,256.96 195,338.98 25,418.35 220,757.33 21,791.58 242,548.91 25,901.87 268,450.78 14,913.59 283,364.37 114,777.06 398,141.43 125,891.32 524,032.75 70,476.62 594,509.38 357,815.50 952,324.88 78,428.95 1,030,753.83 1,030,753.83

3.58 3.58 0.61 4.19 1.87 6.06 1.01 7.07 1.83 8.90 1.59 10.49 1.80 12.30 2.44 14.74 1.18 15.92 1.75 17.66 1.29 18.95 2.47 21.42 2.11 23.53 2.51 26.04 1.45 27.49 11.14 38.63 12.21 50.84 6.84 57.68 34.71 92.39 7.61 100.00

67.72 67.72 18.52 48.90 27.03 39.12 15.17 31.92 16.32 26.68 19.74 25.33 24.59 25.22 33.08 26.25 22.84 25.96 53.52 27.36 43.64 28.07 65.44 30.04 74.14 31.74 60.35 33.26 48.86 33.83 196.53 44.43 236.67 55.21 311.12 61.17 1785.75 96.01 561.56 102.47 102.47

Page 53 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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

1 0 50 25 19,541 19,541 16.40 16.40 5,737 25,278 4.82 21.22 2 50 100 75 8,874 34,152 7.45 28.67 3 100 200 150 7,890 42,042 6.62 35.29 4 200 300 250 5 300 500 400 12,121 54,163 10.18 45.47 9.61 55.08 6 500 750 625 11,453 65,616 8,989 74,605 7.55 62.63 7 750 1,000 875 8,617 83,222 7.23 69.86 8 1,000 1,500 1,250 5,449 88,671 4.57 74.44 9 1,500 2,000 1,750 3,318 91,989 2.79 77.22 10 2,000 2,500 2,250 2,829 94,818 2.37 79.60 11 2,500 3,000 2,750 3,448 98,266 2.89 82.49 12 3,000 4,000 3,500 2,502 100,768 2.10 84.59 13 4,000 5,000 4,500 3,565 104,333 2.99 87.58 14 5,000 7,500 6,250 2,218 106,551 1.86 89.45 15 7,500 10,000 8,750 4,142 110,693 3.48 92.92 16 10,000 20,000 15,000 3,613 114,306 3.03 95.96 17 20,000 50,000 35,000 1,859 116,165 1.56 97.52 18 50,000 100,000 75,000 2,130 118,295 1.79 99.30 19 100,000 500,000 300,000 828 119,123 0.70 100.00 20 500,000 Up TOTAL

119,123

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 68,644.36 -842.83 2,766.59 3,623.93 8,543.63 10,769.54 11,698.12 15,044.52 12,924.60 9,479.84 10,319.18 15,200.95 13,773.21 23,365.27 18,420.22 50,140.82 57,775.53 29,861.05 39,691.35 106,887.49 508,087.39

68,644.36 13.51 13.51 67,801.53 -0.17 13.34 70,568.12 0.54 13.89 74,192.05 0.71 14.60 82,735.68 1.68 16.28 93,505.23 2.12 18.40 105,203.35 2.30 20.71 120,247.87 2.96 23.67 133,172.47 2.54 26.21 142,652.31 1.87 28.08 152,971.49 2.03 30.11 168,172.44 2.99 33.10 181,945.65 2.71 35.81 205,310.92 4.60 40.41 223,731.15 3.63 44.03 273,871.97 9.87 53.90 331,647.50 11.37 65.27 361,508.55 5.88 71.15 401,199.90 7.81 78.96 508,087.39 21.04 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 367 43 92 69 119 81 98 118 79 58 54 81 82 91 57 228 284 283 495 392 3,171

367 11.57 11.57 410 1.36 12.93 502 2.90 15.83 571 2.18 18.01 690 3.75 21.76 771 2.55 24.31 869 3.09 27.40 987 3.72 31.13 1,066 2.49 33.62 1,124 1.83 35.45 1,178 1.70 37.15 1,259 2.55 39.70 1,341 2.59 42.29 1,432 2.87 45.16 1,489 1.80 46.96 1,717 7.19 54.15 2,001 8.96 63.10 2,284 8.92 72.03 2,779 15.61 87.64 3,171 12.36 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 234,998.03 2,944.45 1,629.46 2,764.51 5,895.88 3,189.13 7,355.63 13,277.53 8,296.98 5,466.87 7,351.34 9,767.16 8,559.38 22,039.97 5,231.23 56,970.29 100,265.77 46,165.04 134,143.87 224,926.62 901,239.17

234,998.03 237,942.48 239,571.94 242,336.45 248,232.33 251,421.46 258,777.10 272,054.63 280,351.62 285,818.49 293,169.83 302,936.99 311,496.38 333,536.35 338,767.58 395,737.86 496,003.64 542,168.68 676,312.55 901,239.17

26.07 26.07 0.33 26.40 0.18 26.58 0.31 26.89 0.65 27.54 0.35 27.90 0.82 28.71 1.47 30.19 0.92 31.11 0.61 31.71 0.82 32.53 1.08 33.61 0.95 34.56 2.45 37.01 0.58 37.59 6.32 43.91 11.13 55.04 5.12 60.16 14.88 75.04 24.96 100.00

342.34 -349.35 58.90 76.28 69.01 29.61 62.88 88.25 64.20 57.67 71.24 64.25 62.15 94.33 28.40 113.62 173.54 154.60 337.97 210.43

342.34 350.94 339.49 326.63 300.03 268.88 245.98 226.24 210.52 200.36 191.65 180.13 171.20 162.45 151.42 144.50 149.56 149.97 168.57 177.38

177.38

Page 54 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

15/12/2010

DATE

15/03/2011

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 10.88 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 1,218.42

0.21 11.09 11.41 12.87 15.03 21.09 30.05 73.44 102.97 142.40 186.39 234.26 299.54 366.65 430.67 567.78 855.20 981.11 1,150.69 1,218.42

0.02 0.02 0.89 0.91 0.03 0.94 0.12 1.06 0.18 1.23 0.50 1.73 0.74 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 2 0 1 2 0 3 0 0 2 0 11

0 0 0 0 0 0 0 0 0 1 3 3 4 6 6 9 9 9 11 11

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.09 9.09 18.18 27.27 0.00 27.27 9.09 36.36 18.18 54.55 0.00 54.55 27.27 81.82 0.00 81.82 0.00 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.03 2,398.84 0.00 250.06 20.12 0.00 593.67 0.00 0.00 7.85 0.00 3,282.56

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 12.03 0.37 2,410.87 73.08 2,410.87 0.00 2,660.92 7.62 2,681.05 0.61 2,681.05 0.00 3,274.71 18.09 3,274.71 0.00 3,274.71 0.00 3,282.56 0.24 3,282.56 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 0.37 30.50 8.44 73.44 5452.88 1293.44 73.44 0.00 1029.16 81.06 383.03 888.34 81.68 29.98 731.23 81.68 0.00 622.52 99.76 432.99 576.76 99.76 0.00 382.92 99.76 0.00 333.78 100.00 4.63 285.27 100.00 0.00 269.41 269.41

Page 55 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 PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 10,957 3,490 5,349 4,094 5,390 3,935 3,300 3,566 2,506 1,557 1,402 1,876 1,412 2,047 1,371 2,736 2,474 1,279 1,639 645 61,025

10,957 17.95 14,447 5.72 19,796 8.77 23,890 6.71 29,280 8.83 33,215 6.45 36,515 5.41 40,081 5.84 42,587 4.11 44,144 2.55 45,546 2.30 47,422 3.07 48,834 2.31 50,881 3.35 52,252 2.25 54,988 4.48 57,462 4.05 58,741 2.10 60,380 2.69 61,025 1.06

17.95 23.67 32.44 39.15 47.98 54.43 59.84 65.68 69.79 72.34 74.63 77.71 80.02 83.38 85.62 90.11 94.16 96.26 98.94 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

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

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

51,081.70 2,589.30 1,499.24 1,666.98 3,002.51 3,324.92 3,470.60 5,705.49 5,166.66 4,088.26 4,145.55 6,284.07 5,389.48 10,597.24 9,083.11 26,979.94 35,090.30 26,835.74 42,634.70 73,165.07

8 10 22 28 35 17 14 17 15 11 6 11 10 5 9 7 14 12 3 3

8 3.11 3.11 2,687.51 2,687.51 0.75 18 3.89 7.00 224.39 2,911.89 0.06 40 8.56 15.56 373.88 3,285.77 0.10 68 10.89 26.46 1,458.33 4,744.10 0.40 103 13.62 40.08 5,519.36 10,263.46 1.53 120 6.61 46.69 2,694.72 12,958.18 0.75 134 5.45 52.14 3,176.55 16,134.73 0.88 151 6.61 58.75 5,662.91 21,797.64 1.57 166 5.84 64.59 5,765.56 27,563.19 1.60 177 4.28 68.87 6,081.48 33,644.68 1.69 183 2.33 71.21 178.32 33,823.00 0.05 194 4.28 75.49 5,556.64 39,379.65 1.54 204 3.89 79.38 2,136.28 41,515.93 0.59 209 1.95 81.32 626.25 42,142.18 0.17 218 3.50 84.82 569.40 42,711.58 0.16 225 2.72 87.55 81,889.32 124,600.90 22.71 239 5.45 93.00 34,448.31 159,049.21 9.55 251 4.67 97.67 194,323.99 353,373.20 53.89 254 1.17 98.83 7.70 353,380.90 0.00 257 1.17 100.00 7,222.17 360,603.07 2.00

257

360,603.07

321,800.87

51,081.70 53,671.00 55,170.24 56,837.22 59,839.73 63,164.65 66,635.26 72,340.74 77,507.40 81,595.66 85,741.21 92,025.28 97,414.77 108,012.01 117,095.12 144,075.05 179,165.35 206,001.10 248,635.80 321,800.87

15.87 15.87 0.80 16.68 0.47 17.14 0.52 17.66 0.93 18.60 1.03 19.63 1.08 20.71 1.77 22.48 1.61 24.09 1.27 25.36 1.29 26.64 1.95 28.60 1.67 30.27 3.29 33.56 2.82 36.39 8.38 44.77 10.90 55.68 8.34 64.02 13.25 77.26 22.74 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.75 0.81 0.91 1.32 2.85 3.59 4.47 6.04 7.64 9.33 9.38 10.92 11.51 11.69 11.84 34.55 44.11 98.00 98.00 100.00

5.26 5.26 8.67 5.43 24.94 5.96 87.48 8.35 183.82 17.15 81.05 20.51 91.53 24.21 99.25 30.13 111.59 35.56 148.75 41.23 4.30 39.45 88.42 42.79 39.64 42.62 5.91 39.02 6.27 36.48 303.52 86.48 98.17 88.77 724.12 171.54 0.02 142.13 9.87 112.06 112.06

Page 56 of 204

RISK AND LOSS PROFILE 2008 GROUP BY OCCUPATION CODE

PT. REASURANSI INTERNASIONAL 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

15/12/2010

DATE

15/03/2011

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. 211 55 37 34 63 33 33 56 40 46 23 45 40 45 48 80 98 75 93 95 1,250

211 16.88 266 4.40 303 2.96 337 2.72 400 5.04 433 2.64 466 2.64 522 4.48 562 3.20 608 3.68 631 1.84 676 3.60 716 3.20 761 3.60 809 3.84 889 6.40 987 7.84 1,062 6.00 1,155 7.44 1,250 7.60

16.88 30,390.57 30,390.57 74.89 74.89 21.28 36.12 30,426.69 0.09 74.98 24.24 8.66 30,435.36 0.02 75.00 26.96 17.47 30,452.82 0.04 75.04 32.00 46.80 30,499.63 0.12 75.16 34.64 56.19 30,555.82 0.14 75.30 37.28 75.57 30,631.39 0.19 75.48 41.76 154.94 30,786.33 0.38 75.87 44.96 104.93 30,891.26 0.26 76.12 48.64 156.82 31,048.08 0.39 76.51 50.48 117.73 31,165.81 0.29 76.80 54.08 122.32 31,288.13 0.30 77.10 57.28 289.38 31,577.51 0.71 77.82 60.88 329.38 31,906.89 0.81 78.63 64.72 494.77 32,401.66 1.22 79.85 71.12 1,167.23 33,568.90 2.88 82.72 78.96 1,597.03 35,165.93 3.94 86.66 84.96 1,080.89 36,246.82 2.66 89.32 92.40 1,327.87 37,574.69 3.27 92.59 100.00 3,005.26 40,579.95 7.41 100.00 40,579.95

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 15 0 0 0 0 0 0 0 0 0 1 0 0 2 0 0 4 1 4 23 50

15 30.00 30.00 15 0.00 30.00 15 0.00 30.00 15 0.00 30.00 15 0.00 30.00 15 0.00 30.00 15 0.00 30.00 15 0.00 30.00 15 0.00 30.00 15 0.00 30.00 16 2.00 32.00 16 0.00 32.00 16 0.00 32.00 18 4.00 36.00 18 0.00 36.00 18 0.00 36.00 22 8.00 44.00 23 2.00 46.00 27 8.00 54.00 50 46.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 4,315.69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 63.08 0.00 0.00 1.32 0.00 0.00 3,585.89 5.57 161.86 59,624.13 67,757.54

4,315.69 6.37 4,315.69 0.00 4,315.69 0.00 4,315.69 0.00 4,315.69 0.00 4,315.69 0.00 4,315.69 0.00 4,315.69 0.00 4,315.69 0.00 4,315.69 0.00 4,378.78 0.09 4,378.78 0.00 4,378.78 0.00 4,380.09 0.00 4,380.09 0.00 4,380.09 0.00 7,965.98 5.29 7,971.55 0.01 8,133.41 0.24 67,757.54 88.00

6.37 6.37 6.37 6.37 6.37 6.37 6.37 6.37 6.37 6.37 6.46 6.46 6.46 6.46 6.46 6.46 11.76 11.76 12.00 100.00

LOSS RATIO PERCENTAGE BAND CUM 14.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 53.58 0.00 0.00 0.40 0.00 0.00 224.53 0.52 12.19 1983.99

14.20 14.18 14.18 14.17 14.15 14.12 14.09 14.02 13.97 13.90 14.05 14.00 13.87 13.73 13.52 13.05 22.65 21.99 21.65 166.97

166.97 Page 57 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

15/12/2010

DATE

15/03/2011

Stone, Earth, (Animal) Bones or Shells

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 308 104 114 78 120 100 72 114 90 59 46 68 47 98 48 127 178 82 141 66 2,060

308 14.95 412 5.05 526 5.53 604 3.79 724 5.83 824 4.85 896 3.50 1,010 5.53 1,100 4.37 1,159 2.86 1,205 2.23 1,273 3.30 1,320 2.28 1,418 4.76 1,466 2.33 1,593 6.17 1,771 8.64 1,853 3.98 1,994 6.84 2,060 3.20

14.95 20.00 25.53 29.32 35.15 40.00 43.50 49.03 53.40 56.26 58.50 61.80 64.08 68.83 71.17 77.33 85.97 89.95 96.80 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 600.88 600.88 25.14 626.02 53.60 679.62 58.74 738.36 108.42 846.78 110.57 957.35 95.26 1,052.61 207.96 1,260.57 236.46 1,497.03 178.51 1,675.54 169.90 1,845.44 300.45 2,145.89 293.21 2,439.10 548.63 2,987.73 474.48 3,462.21 1,218.38 4,680.60 1,683.59 6,364.19 1,383.26 7,747.44 1,436.39 9,183.84 2,910.45 12,094.29 12,094.29

4.97 4.97 0.21 5.18 0.44 5.62 0.49 6.11 0.90 7.00 0.91 7.92 0.79 8.70 1.72 10.42 1.96 12.38 1.48 13.85 1.40 15.26 2.48 17.74 2.42 20.17 4.54 24.70 3.92 28.63 10.07 38.70 13.92 52.62 11.44 64.06 11.88 75.94 24.06 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 0 0 0 0 0 2 1 0 1 3 1 1 0 3 5 8 7 12 13 58

1 1 1 1 1 1 3 4 4 5 8 9 10 10 13 18 26 33 45 58

1.72 1.72 0.00 1.72 0.00 1.72 0.00 1.72 0.00 1.72 0.00 1.72 3.45 5.17 1.72 6.90 0.00 6.90 1.72 8.62 5.17 13.79 1.72 15.52 1.72 17.24 0.00 17.24 5.17 22.41 8.62 31.03 13.79 44.83 12.07 56.90 20.69 77.59 22.41 100.00

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 2,239.64 74.31 32.65 0.00 1,322.96 14,585.93 7,386.86 1,369.70 2,148.88 3,762.79 33,064.54

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 0.05 140.83 0.36 140.83 0.00 140.83 0.00 2,380.46 6.77 2,454.77 0.22 2,487.42 0.10 2,487.42 0.00 3,810.38 4.00 18,396.31 44.11 25,783.17 22.34 27,152.87 4.14 29,301.75 6.50 33,064.54 11.38

0.01 0.01 0.01 0.01 0.01 0.01 0.06 0.43 0.43 0.43 7.20 7.42 7.52 7.52 11.52 55.64 77.98 82.12 88.62 100.00

0.81 0.00 0.00 0.00 0.00 0.00 17.11 57.53 0.00 0.00 1318.1 24.73 11.13 0.00 278.82 1197.1 438.76 99.02 149.60 129.29

0.81 0.78 0.72 0.66 0.58 0.51 2.01 11.17 9.41 8.40 128.99 114.39 101.98 83.25 110.06 393.03 405.13 350.48 319.06 273.39

273.39

Page 58 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

15/12/2010

DATE

15/03/2011

Metals

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

1,018 256 400 322 545 390 397 498 366 272 261 358 293 481 285 647 665 366 540 351

4,789.94 134.42 144.54 165.21 455.19 1,431.26 556.65 949.69 866.02 705.92 818.61 1,435.87 1,384.33 3,119.44 2,079.04 7,454.63 14,756.10 5,182.36 8,101.84 2,463.66

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

8,711

1,018 1,274 1,674 1,996 2,541 2,931 3,328 3,826 4,192 4,464 4,725 5,083 5,376 5,857 6,142 6,789 7,454 7,820 8,360 8,711

11.69 2.94 4.59 3.70 6.26 4.48 4.56 5.72 4.20 3.12 3.00 4.11 3.36 5.52 3.27 7.43 7.63 4.20 6.20 4.03

11.69 14.63 19.22 22.91 29.17 33.65 38.20 43.92 48.12 51.25 54.24 58.35 61.72 67.24 70.51 77.94 85.57 89.77 95.97 100.00

56,994.72

4,789.94 8.40 8.40 4,924.36 0.24 8.64 5,068.90 0.25 8.89 5,234.11 0.29 9.18 5,689.30 0.80 9.98 7,120.56 2.51 12.49 7,677.21 0.98 13.47 8,626.90 1.67 15.14 9,492.92 1.52 16.66 10,198.84 1.24 17.89 11,017.45 1.44 19.33 12,453.32 2.52 21.85 13,837.65 2.43 24.28 16,957.09 5.47 29.75 19,036.13 3.65 33.40 26,490.76 13.08 46.48 41,246.86 25.89 72.37 46,429.22 9.09 81.46 54,531.06 14.22 95.68 56,994.72 4.32 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 45 0 1 2 1 0 1 2 2 1 1 1 3 9 4 16 21 21 34 30 195

45 45 46 48 49 49 50 52 54 55 56 57 60 69 73 89 110 131 165 195

23.08 23.08 0.00 23.08 0.51 23.59 1.03 24.62 0.51 25.13 0.00 25.13 0.51 25.64 1.03 26.67 1.03 27.69 0.51 28.21 0.51 28.72 0.51 29.23 1.54 30.77 4.62 35.38 2.05 37.44 8.21 45.64 10.77 56.41 10.77 67.18 17.44 84.62 15.38 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 86,954.24 0.00 11.83 41.47 12.93 0.00 16.72 741.24 10.79 0.00 13.25 1,976.21 1,883.43 8,090.02 73.40 8,227.07 12,260.74 2,595.90 236,406.94 4,977.86 364,294.03

86,954.24 23.87 86,954.24 0.00 86,966.07 0.00 87,007.54 0.01 87,020.47 0.00 87,020.47 0.00 87,037.19 0.00 87,778.43 0.20 87,789.21 0.00 87,789.21 0.00 87,802.46 0.00 89,778.67 0.54 91,662.09 0.52 99,752.11 2.22 99,825.52 0.02 108,052.58 2.26 120,313.33 3.37 122,909.22 0.71 359,316.16 64.89 364,294.03 1.37

23.87 23.87 23.87 23.88 23.89 23.89 23.89 24.10 24.10 24.10 24.10 24.64 25.16 27.38 27.40 29.66 33.03 33.74 98.63 100.00

1815.3 0.00 8.19 25.10 2.84 0.00 3.00 78.05 1.25 0.00 1.62 137.63 136.05 259.34 3.53 110.36 83.09 50.09 2917.9 202.05

1815.3 1765.8 1715.6 1662.3 1529.5 1222.1 1133.7 1017.5 924.79 860.78 796.94 720.92 662.41 588.26 524.40 407.89 291.69 264.72 658.92 639.17

639.17

Page 59 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

15/12/2010

DATE

15/03/2011

Chemicals / Oil / Gas

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,146 212 319 330 596 601 601 714 543 402 392 533 408 624 461 972 877 459 500 269 10,959

1,146 10.46 1,358 1.93 1,677 2.91 2,007 3.01 2,603 5.44 3,204 5.48 3,805 5.48 4,519 6.52 5,062 4.95 5,464 3.67 5,856 3.58 6,389 4.86 6,797 3.72 7,421 5.69 7,882 4.21 8,854 8.87 9,731 8.00 10,190 4.19 10,690 4.56 10,959 2.45

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

10.46 7,708.99 12.39 348.03 15.30 288.36 18.31 366.70 23.75 704.33 29.24 968.79 34.72 1,407.80 41.24 2,305.56 46.19 2,121.41 49.86 1,484.02 53.44 1,940.90 58.30 3,110.34 62.02 2,704.17 67.72 5,388.58 71.92 4,994.84 80.79 11,986.96 88.79 14,419.21 92.98 9,800.07 97.55 8,315.98 100.00 7,521.90 87,886.96

7,708.99 8.77 8.77 8,057.03 0.40 9.17 8,345.39 0.33 9.50 8,712.10 0.42 9.91 9,416.43 0.80 10.71 10,385.22 1.10 11.82 11,793.02 1.60 13.42 14,098.57 2.62 16.04 16,219.98 2.41 18.46 17,704.00 1.69 20.14 19,644.90 2.21 22.35 22,755.24 3.54 25.89 25,459.41 3.08 28.97 30,847.99 6.13 35.10 35,842.83 5.68 40.78 47,829.79 13.64 54.42 62,249.00 16.41 70.83 72,049.08 11.15 81.98 80,365.05 9.46 91.44 87,886.96 8.56 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 36 2 7 1 4 5 8 7 3 9 10 7 9 13 14 23 31 37 64 12 302

36 38 45 46 50 55 63 70 73 82 92 99 108 121 135 158 189 226 290 302

11.92 0.66 2.32 0.33 1.32 1.66 2.65 2.32 0.99 2.98 3.31 2.32 2.98 4.30 4.64 7.62 10.26 12.25 21.19 3.97

11.92 12.58 14.90 15.23 16.56 18.21 20.86 23.18 24.17 27.15 30.46 32.78 35.76 40.07 44.70 52.32 62.58 74.83 96.03 100.0

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 9,727.23 8.40 487.71 1.84 811.87 212.05 3,033.01 761.51 1,574.54 4,385.04 1,262.64 520.58 2,012.09 7,232.54 502.23 1,457.89 1,890.27 9,008.68 103,034.9 1,637.38 149,562.4

9,727.23 6.50 9,735.63 0.01 10,223.34 0.33 10,225.18 0.00 11,037.05 0.54 11,249.09 0.14 14,282.10 2.03 15,043.60 0.51 16,618.14 1.05 21,003.18 2.93 22,265.82 0.84 22,786.39 0.35 24,798.49 1.35 32,031.02 4.84 32,533.25 0.34 33,991.14 0.97 35,881.41 1.26 44,890.09 6.02 147,925.02 68.89 149,562.40 1.09

6.50 6.51 6.84 6.84 7.38 7.52 9.55 10.06 11.11 14.04 14.89 15.24 16.58 21.42 21.75 22.73 23.99 30.01 98.91 100.00

126.18 2.41 169.13 0.50 115.27 21.89 215.44 33.03 74.22 295.48 65.05 16.74 74.41 134.22 10.05 12.16 13.11 91.92 1239.0 21.77

126.18 120.83 122.50 117.37 117.21 108.32 121.11 106.70 102.45 118.64 113.34 100.14 97.40 103.84 90.77 71.07 57.64 62.30 184.07 170.18

170.18

Page 60 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

15/12/2010

DATE

15/03/2011

Textiles

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,364 802 1,484 1,265 1,732 1,098 872 855 590 403 324 431 274 449 298 682 640 356 660 180 14,759

1,364 9.24 2,166 5.43 3,650 10.05 4,915 8.57 6,647 11.74 7,745 7.44 8,617 5.91 9,472 5.79 10,062 4.00 10,465 2.73 10,789 2.20 11,220 2.92 11,494 1.86 11,943 3.04 12,241 2.02 12,923 4.62 13,563 4.34 13,919 2.41 14,579 4.47 14,759 1.22

9.24 14.68 24.73 33.30 45.04 52.48 58.38 64.18 68.18 70.91 73.10 76.02 77.88 80.92 82.94 87.56 91.90 94.31 98.78 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,287.91 361.53 1,233.56 1,154.32 2,494.49 2,070.20 2,450.10 2,825.48 2,336.02 1,762.40 1,912.61 2,602.86 1,885.30 3,770.96 3,145.04 8,946.44 12,487.49 5,909.33 9,708.80 4,519.51 77,864.33

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

6,287.91 8.08 8.08 39 39 6,649.44 0.46 8.54 4 43 7,883.00 1.58 10.12 0 43 9,037.32 1.48 11.61 2 45 11,531.81 3.20 14.81 2 47 13,602.01 2.66 17.47 1 48 16,052.11 3.15 20.62 1 49 18,877.59 3.63 24.24 7 56 21,213.61 3.00 27.24 5 61 22,976.00 2.26 29.51 3 64 24,888.61 2.46 31.96 7 71 27,491.47 3.34 35.31 10 81 29,376.77 2.42 37.73 3 84 33,147.74 4.84 42.57 10 94 36,292.78 4.04 46.61 8 102 45,239.21 11.49 58.10 26 128 57,726.70 16.04 74.14 58 186 63,636.03 7.59 81.73 70 256 73,344.83 12.47 94.20 100 356 77,864.33 5.80 100.00 22 378 378

10.32 10.32 1.06 11.38 0.00 11.38 0.53 11.90 0.53 12.43 0.26 12.70 0.26 12.96 1.85 14.81 1.32 16.14 0.79 16.93 1.85 18.78 2.65 21.43 0.79 22.22 2.65 24.87 2.12 26.98 6.88 33.86 15.34 49.21 18.52 67.72 26.46 94.18 5.82 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 4,867.86 461.90 0.00 81.94 107.29 385.07 6.40 498.84 527.29 134.22 1,737.96 1,417.94 29.14 857.47 814.27 15,968.08 38,155.14 14,902.21 22,446.98 31,282.59 134,682.59

4,867.86 5,329.76 5,329.76 5,411.70 5,518.99 5,904.06 5,910.46 6,409.29 6,936.58 7,070.80 8,808.76 10,226.70 10,255.84 11,113.32 11,927.58 27,895.66 66,050.81 80,953.01 103,399.99 134,682.59

3.61 0.34 0.00 0.06 0.08 0.29 0.00 0.37 0.39 0.10 1.29 1.05 0.02 0.64 0.60 11.86 28.33 11.06 16.67 23.23

3.61 3.96 3.96 4.02 4.10 4.38 4.39 4.76 5.15 5.25 6.54 7.59 7.61 8.25 8.86 20.71 49.04 60.11 76.77 100.00

LOSS RATIO PERCENTAGE BAND CUM 77.42 127.76 0.00 7.10 4.30 18.60 0.26 17.65 22.57 7.62 90.87 54.48 1.55 22.74 25.89 178.49 305.55 252.18 231.20 692.17

77.42 80.15 67.61 59.88 47.86 43.41 36.82 33.95 32.70 30.77 35.39 37.20 34.91 33.53 32.86 61.66 114.42 127.21 140.98 172.97

172.97

Page 61 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

15/12/2010

DATE

15/03/2011

Paper, Leather, Rubber

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,062 489 802 722 1,001 692 589 682 485 341 279 356 265 400 257 509 479 296 367 121 10,194

1,062 10.42 1,551 4.80 2,353 7.87 3,075 7.08 4,076 9.82 4,768 6.79 5,357 5.78 6,039 6.69 6,524 4.76 6,865 3.35 7,144 2.74 7,500 3.49 7,765 2.60 8,165 3.92 8,422 2.52 8,931 4.99 9,410 4.70 9,706 2.90 10,073 3.60 10,194 1.19

10.42 15.21 23.08 30.16 39.98 46.77 52.55 59.24 64.00 67.34 70.08 73.57 76.17 80.10 82.62 87.61 92.31 95.21 98.81 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 15,712.31 15,712.31 11.42 11.42 332.51 16,044.82 0.24 11.66 730.82 16,775.64 0.53 12.20 725.38 17,501.03 0.53 12.72 1,485.50 18,986.52 1.08 13.80 1,593.45 20,579.98 1.16 14.96 1,732.10 22,312.07 1.26 16.22 2,681.00 24,993.07 1.95 18.17 2,243.04 27,236.11 1.63 19.80 1,893.88 29,130.00 1.38 21.18 1,747.95 30,877.95 1.27 22.45 2,742.18 33,620.12 1.99 24.44 2,015.48 35,635.61 1.47 25.91 3,990.02 39,625.63 2.90 28.81 3,323.39 42,949.02 2.42 31.22 8,298.64 51,247.66 6.03 37.26 12,727.41 63,975.07 9.25 46.51 7,038.44 71,013.51 5.12 51.63 7,551.02 78,564.53 5.49 57.12 58,984.08 137,548.61 42.88 100.00 137,548.61

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 20 1 15 3 1 12 5 2 1 5 7 4 8 4 5 18 25 26 14 10 186

20 10.75 10.75 21 0.54 11.29 36 8.06 19.35 39 1.61 20.97 40 0.54 21.51 52 6.45 27.96 57 2.69 30.65 59 1.08 31.72 60 0.54 32.26 65 2.69 34.95 72 3.76 38.71 76 2.15 40.86 84 4.30 45.16 88 2.15 47.31 93 2.69 50.00 111 9.68 59.68 136 13.44 73.12 162 13.98 87.10 176 7.53 94.62 186 5.38 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 56,779.94 6.75 160.51 11.20 6.00 29.04 1,212.00 132.37 0.00 2,912.88 10,856.81 269.57 7,112.52 8,265.47 508.25 26,038.78 61,770.99 58,531.21 26,611.34 21,788.29 283,003.93

56,779.94 20.06 56,786.68 0.00 56,947.19 0.06 56,958.39 0.00 56,964.39 0.00 56,993.43 0.01 58,205.43 0.43 58,337.80 0.05 58,337.80 0.00 61,250.68 1.03 72,107.49 3.84 72,377.06 0.10 79,489.59 2.51 87,755.06 2.92 88,263.30 0.18 114,302.08 9.20 176,073.08 21.83 234,604.29 20.68 261,215.63 9.40 283,003.93 7.70

20.06 20.07 20.12 20.13 20.13 20.14 20.57 20.61 20.61 21.64 25.48 25.57 28.09 31.01 31.19 40.39 62.22 82.90 92.30 100.00

361.37 2.03 21.96 1.54 0.40 1.82 69.97 4.94 0.00 153.80 621.12 9.83 352.89 207.15 15.29 313.77 485.34 831.59 352.42 36.94

361.37 353.93 339.46 325.46 300.03 276.94 260.87 233.42 214.19 210.27 233.52 215.28 223.06 221.46 205.51 223.04 275.22 330.37 332.49 205.75

205.75 Page 62 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 26

DATA POSITION FROM

01/01/2008

15/12/2010

DATE

15/03/2011

PROCESSING

Wood, Bamboo and Rattan

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 991 596 688 495 595 432 375 427 342 280 221 250 183 337 241 391 400 233 280 66 7,823

991 12.67 1,587 7.62 2,275 8.79 2,770 6.33 3,365 7.61 3,797 5.52 4,172 4.79 4,599 5.46 4,941 4.37 5,221 3.58 5,442 2.83 5,692 3.20 5,875 2.34 6,212 4.31 6,453 3.08 6,844 5.00 7,244 5.11 7,477 2.98 7,757 3.58 7,823 0.84

12.67 20.29 29.08 35.41 43.01 48.54 53.33 58.79 63.16 66.74 69.56 72.76 75.10 79.41 82.49 87.49 92.60 95.58 99.16 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,705.98 528.76 840.90 968.33 1,650.97 1,672.87 1,717.37 2,621.06 2,686.56 2,253.56 2,114.18 2,810.22 2,586.11 5,497.52 5,196.87 11,155.28 10,762.46 6,757.67 6,442.05 4,591.27 77,560.01

4,705.98 6.07 6.07 5,234.75 0.68 6.75 6,075.65 1.08 7.83 7,043.98 1.25 9.08 8,694.95 2.13 11.21 10,367.82 2.16 13.37 12,085.19 2.21 15.58 14,706.25 3.38 18.96 17,392.81 3.46 22.42 19,646.37 2.91 25.33 21,760.55 2.73 28.06 24,570.77 3.62 31.68 27,156.88 3.33 35.01 32,654.40 7.09 42.10 37,851.28 6.70 48.80 49,006.56 14.38 63.19 59,769.02 13.88 77.06 66,526.69 8.71 85.77 72,968.74 8.31 94.08 77,560.01 5.92 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 12 0 3 2 3 0 3 5 1 3 1 5 3 13 11 27 29 11 15 0 147

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

12 8.16 8.16 2,770.48 2,770.48 2.53 12 0.00 8.16 0.00 2,770.48 0.00 15 2.04 10.20 7,223.57 9,994.05 6.61 17 1.36 11.56 6.73 10,000.78 0.01 20 2.04 13.61 1,548.35 11,549.14 1.42 20 0.00 13.61 0.00 11,549.14 0.00 23 2.04 15.65 1,194.19 12,743.33 1.09 28 3.40 19.05 1,781.00 14,524.33 1.63 29 0.68 19.73 1,200.00 15,724.33 1.10 32 2.04 21.77 121.63 15,845.96 0.11 33 0.68 22.45 4.60 15,850.56 0.00 38 3.40 25.85 3,428.84 19,279.40 3.14 41 2.04 27.89 2,464.98 21,744.38 2.26 54 8.84 36.73 8,059.85 29,804.23 7.37 65 7.48 44.22 8,230.04 38,034.28 7.53 92 18.37 62.59 34,005.34 72,039.62 31.11 12 19.73 82.31 34,503.73 106,543.3 31.57 13 7.48 89.80 1,080.46 107,623.8 0.99 14 10.20 100.00 1,678.47 109,302.2 1.54 14 0.00 100.00 0.00 109,302.2 0.00 109,302.2

2.53 2.53 9.14 9.15 10.57 10.57 11.66 13.29 14.39 14.50 14.50 17.64 19.89 27.27 34.80 65.91 97.48 98.46 100.00 100.00

58.87 0.00 859.02 0.70 93.78 0.00 69.54 67.95 44.67 5.40 0.22 122.01 95.32 146.61 158.37 304.84 320.59 15.99 26.05 0.00

58.87 52.92 164.49 141.98 132.83 111.39 105.45 98.76 90.41 80.66 72.84 78.46 80.07 91.27 100.48 147.00 178.26 161.78 149.79 140.93

140.93

Page 63 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

15/12/2010

DATE

15/03/2011

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. 4,727 2,329 2,501 1,785 2,105 1,374 1,036 1,175 853 740 521 734 621 1,036 741 1,616 1,725 849 929 334 27,731

4,727 17.05 7,056 8.40 9,557 9.02 11,342 6.44 13,447 7.59 14,821 4.95 15,857 3.74 17,032 4.24 17,885 3.08 18,625 2.67 19,146 1.88 19,880 2.65 20,501 2.24 21,537 3.74 22,278 2.67 23,894 5.83 25,619 6.22 26,468 3.06 27,397 3.35 27,731 1.20

17.05 25.44 34.46 40.90 48.49 53.45 57.18 61.42 64.49 67.16 69.04 71.69 73.93 77.66 80.34 86.16 92.38 95.45 98.80 100.00

9,169.80 115.83 970.02 968.64 1,813.56 2,559.56 1,853.05 2,502.42 2,085.82 1,791.70 2,434.88 2,865.05 2,958.05 6,093.19 5,311.84 13,978.0 16,585.1 8,553.62 8,077.68 4,002.32 94,690.2

9,169.80 9.68 9.68 9,285.62 0.12 9.81 10,255.65 1.02 10.83 11,224.29 1.02 11.85 13,037.85 1.92 13.77 15,597.41 2.70 16.47 17,450.46 1.96 18.43 19,952.88 2.64 21.07 22,038.70 2.20 23.27 23,830.40 1.89 25.17 26,265.28 2.57 27.74 29,130.33 3.03 30.76 32,088.38 3.12 33.89 38,181.57 6.43 40.32 43,493.41 5.61 45.93 57,471.44 14.76 60.69 74,056.60 17.52 78.21 82,610.22 9.03 87.24 90,687.90 8.53 95.77 94,690.22 4.23 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 88 4 1 0 5 18 7 18 10 10 5 15 11 15 15 123 92 50 73 32 592

88 92 93 93 98 116 123 141 151 161 166 181 192 207 222 345 437 487 560 592

14.86 14.86 0.68 15.54 0.17 15.71 0.00 15.71 0.84 16.55 3.04 19.59 1.18 20.78 3.04 23.82 1.69 25.51 1.69 27.20 0.84 28.04 2.53 30.57 1.86 32.43 2.53 34.97 2.53 37.50 20.78 58.28 15.54 73.82 8.45 82.26 12.33 94.59 5.41 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3,588.33 66.57 52.97 0.00 1,581.81 1,355.02 1,807.95 1,509.80 830.91 1,287.00 1,451.54 1,946.90 3,786.66 2,281.31 4,348.45 11,802.08 52,301.12 189,503.08 7,490.56 3,866.95 290,859.01

3,588.33 1.23 3,654.90 0.02 3,707.86 0.02 3,707.86 0.00 5,289.67 0.54 6,644.69 0.47 8,452.65 0.62 9,962.44 0.52 10,793.35 0.29 12,080.35 0.44 13,531.89 0.50 15,478.80 0.67 19,265.46 1.30 21,546.77 0.78 25,895.22 1.50 37,697.30 4.06 89,998.42 17.98 279,501.50 65.15 286,992.06 2.58 290,859.01 1.33

1.23 39.13 39.13 1.26 57.47 39.36 1.27 5.46 36.15 1.27 0.00 33.03 1.82 87.22 40.57 2.28 52.94 42.60 2.91 97.57 48.44 3.43 60.33 49.93 3.71 39.84 48.97 4.15 71.83 50.69 4.65 59.61 51.52 5.32 67.95 53.14 6.62 128.01 60.04 7.41 37.44 56.43 8.90 81.86 59.54 12.96 84.43 65.59 30.94 315.35 121.53 96.10 2215.4 338.34 98.67 92.73 316.46 100.00 96.62 307.17 307.17 Page 64 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

15/12/2010

DATE

15/03/2011

Power and Heating

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

74 1 0 50 25 78 2 50 100 75 14 3 100 200 150 112 4 200 300 250 566 5 300 500 400 6 500 750 625 2,492 749 7 750 1,000 875 294 8 1,000 1,500 1,250 9 9 1,500 2,000 1,750 23 10 2,000 2,500 2,250 8 11 2,500 3,000 2,750 17 12 3,000 4,000 3,500 11 13 4,000 5,000 4,500 45 14 5,000 7,500 6,250 12 15 7,500 10,000 8,750 53 16 10,000 20,000 15,000 71 17 20,000 50,000 35,000 76 18 50,000 100,000 75,000 111 19 100,000 500,000 300,000 131 20 500,000 Up TOTAL

4,946

74 1.50 152 1.58 166 0.28 278 2.26 844 11.44 3,336 50.38 4,085 15.14 4,379 5.94 4,388 0.18 4,411 0.47 4,419 0.16 4,436 0.34 4,447 0.22 4,492 0.91 4,504 0.24 4,557 1.07 4,628 1.44 4,704 1.54 4,815 2.24 4,946 2.65

1.50 3.07 3.36 5.62 17.06 67.45 82.59 88.54 88.72 89.18 89.34 89.69 89.91 90.82 91.06 92.14 93.57 95.11 97.35 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 785.36 118.33 11.90 9.63 11.89 7.76 34.74 68.74 17.48 34.48 16.33 89.12 15.94 254.73 126.57 620.85 1,148.81 741.31 1,600.80 2,017.63 7,732.42

785.36 903.69 915.59 925.22 937.11 944.87 979.61 1,048.36 1,065.84 1,100.32 1,116.66 1,205.78 1,221.72 1,476.45 1,603.02 2,223.86 3,372.67 4,113.98 5,714.78 7,732.42

10.16 10.16 1.53 11.69 0.15 11.84 0.12 11.97 0.15 12.12 0.10 12.22 0.45 12.67 0.89 13.56 0.23 13.78 0.45 14.23 0.21 14.44 1.15 15.59 0.21 15.80 3.29 19.09 1.64 20.73 8.03 28.76 14.86 43.62 9.59 53.20 20.70 73.91 26.09 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

1 0 0 0 0 0 1 1 0 0 0 0 0 0 1 2 1 6 8 12 33

1 3.03 3.03 1 0.00 3.03 1 0.00 3.03 1 0.00 3.03 1 0.00 3.03 1 0.00 3.03 2 3.03 6.06 3 3.03 9.09 3 0.00 9.09 3 0.00 9.09 3 0.00 9.09 3 0.00 9.09 3 0.00 9.09 3 0.00 9.09 4 3.03 12.12 6 6.06 18.18 7 3.03 21.21 13 18.18 39.39 21 24.24 63.64 33 36.36 100.00

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 0.00 256.25 528.18 10.75 74.61 7,368.32 68,358.01 76,768.68

157.05 0.20 157.05 0.00 157.05 0.00 157.05 0.00 157.05 0.00 157.05 0.00 168.40 0.01 172.55 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 0.33 956.98 0.69 967.73 0.01 1,042.34 0.10 8,410.66 9.60 76,768.68 89.04

0.20 20.00 20.00 0.20 0.00 17.38 0.20 0.00 17.15 0.20 0.00 16.97 0.20 0.00 16.76 0.20 0.00 16.62 0.22 32.66 17.19 0.22 6.03 16.46 0.22 0.00 16.19 0.22 0.00 15.68 0.22 0.00 15.45 0.22 0.00 14.31 0.22 0.00 14.12 0.22 0.00 11.69 0.56 202.46 26.75 1.25 85.07 43.03 1.26 0.94 28.69 1.36 10.06 25.34 10.96 460.29 147.17 100.00 3388.0 992.82 992.82

Page 65 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

15/12/2010

DATE

15/03/2011

Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotels, Entertainment, Sports 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 Shops, Private Buildings, 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.

152,073 147,134 184,247 114,795 125,217 64,088 44,700 34,922 19,253 10,163 7,871 8,942 5,750 6,898 3,951 5,809 4,059 1,609 2,119 628

413 164 284 199 281 165 168 173 136 83 72 93 90 96 45 172 209 122 289 280

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

944,228

152,073 299,207 483,454 598,249 723,466 787,554 832,254 867,176 886,429 896,592 904,463 913,405 919,155 926,053 930,004 935,813 939,872 941,481 943,600 944,228

16.11 15.58 19.51 12.16 13.26 6.79 4.73 3.70 2.04 1.08 0.83 0.95 0.61 0.73 0.42 0.62 0.43 0.17 0.22 0.07

16.11 31.69 51.20 63.36 76.62 83.41 88.14 91.84 93.88 94.96 95.79 96.74 97.34 98.08 98.49 99.11 99.54 99.71 99.93 100.00

93,503.80 34,934.30 71,271.93 69,402.86 118,130.11 86,629.53 80,711.34 82,144.46 58,480.58 36,839.29 33,457.82 43,883.59 34,229.59 47,018.47 32,245.71 67,058.57 55,471.05 28,792.95 43,220.56 102,126.60 1,219,553.10

93,503.80 128,438.10 199,710.03 269,112.89 387,243.00 473,872.53 554,583.87 636,728.33 695,208.91 732,048.19 765,506.01 809,389.60 843,619.19 890,637.66 922,883.37 989,941.94 1,045,412.99 1,074,205.94 1,117,426.50 1,219,553.10

7.67 7.67 2.86 10.53 5.84 16.38 5.69 22.07 9.69 31.75 7.10 38.86 6.62 45.47 6.74 52.21 4.80 57.01 3.02 60.03 2.74 62.77 3.60 66.37 2.81 69.17 3.86 73.03 2.64 75.67 5.50 81.17 4.55 85.72 2.36 88.08 3.54 91.63 8.37 100.00

3,534

413 577 861 1,06 1,34 1,50 1,67 1,84 1,98 2,06 2,13 2,23 2,32 2,41 2,46 2,63 2,84 2,96 3,25 3,53

11.69 11.69 4.64 16.33 8.04 24.36 5.63 29.99 7.95 37.95 4.67 42.61 4.75 47.37 4.90 52.26 3.85 56.11 2.35 58.46 2.04 60.50 2.63 63.13 2.55 65.68 2.72 68.39 1.27 69.67 4.87 74.53 5.91 80.45 3.45 83.90 8.18 92.08 7.92 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 105,322.03 8,876.02 13,374.92 14,489.52 26,200.06 20,309.33 21,827.15 38,422.77 22,076.28 20,730.52 5,555.96 31,066.74 15,415.83 13,732.93 4,161.79 141,570.83 45,813.77 33,063.00 84,262.32 115,169.72 781,441.48

105,322.03 114,198.05 127,572.96 142,062.48 168,262.54 188,571.87 210,399.01 248,821.78 270,898.06 291,628.58 297,184.54 328,251.28 343,667.12 357,400.05 361,561.84 503,132.67 548,946.44 582,009.44 666,271.76 781,441.48

13.48 1.14 1.71 1.85 3.35 2.60 2.79 4.92 2.83 2.65 0.71 3.98 1.97 1.76 0.53 18.12 5.86 4.23 10.78 14.74

13.48 14.61 16.33 18.18 21.53 24.13 26.92 31.84 34.67 37.32 38.03 42.01 43.98 45.74 46.27 64.39 70.25 74.48 85.26 100.00

112.64 112.64 25.41 88.91 18.77 63.88 20.88 52.79 22.18 43.45 23.44 39.79 27.04 37.94 46.77 39.08 37.75 38.97 56.27 39.84 16.61 38.82 70.79 40.56 45.04 40.74 29.21 40.13 12.91 39.18 211.12 50.82 82.59 52.51 114.83 54.18 194.96 59.63 112.77 64.08 64.08 Page 66 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2010

DATE

15/03/2011

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. 90 11 16 12 11 19 8 6 5 6 1 5 6 3 1 5 5 1 0 0 211

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

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 1,417.60

61.65 4.35 4.35 66.54 0.35 4.69 87.01 1.44 6.14 123.47 2.57 8.71 178.06 3.85 12.56 214.66 2.58 15.14 246.29 2.23 17.37 281.51 2.48 19.86 303.85 1.58 21.43 345.69 2.95 24.39 357.52 0.83 25.22 483.61 8.89 34.11 570.43 6.12 40.24 632.90 4.41 44.65 652.33 1.37 46.02 829.01 12.46 58.48 1,274.30 31.41 89.89 1,417.60 10.11 100.00 1,417.60 0.00 100.00 1,417.60 0.00 100.00

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

2 66.67 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 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1.71 4.65 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 6.35

1.71 26.87 6.35 73.13 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00 6.35 0.00

26.87 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM 2.77 95.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2.77 9.55 7.30 5.15 3.57 2.96 2.58 2.26 2.09 1.84 1.78 1.31 1.11 1.00 0.97 0.77 0.50 0.45 0.45 0.45

0.45

Page 67 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

15/12/2010

DATE

15/03/2011

Estate Plantation Risk

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 67 39 23 13 37 19 26 31 22 8 9 33 9 36 16 41 75 61 52 17 634

67 10.57 106 6.15 129 3.63 142 2.05 179 5.84 198 3.00 224 4.10 255 4.89 277 3.47 285 1.26 294 1.42 327 5.21 336 1.42 372 5.68 388 2.52 429 6.47 504 11.83 565 9.62 617 8.20 634 2.68

10.57 16.72 20.35 22.40 28.23 31.23 35.33 40.22 43.69 44.95 46.37 51.58 53.00 58.68 61.20 67.67 79.50 89.12 97.32 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 172.60 -1,495.85 18.24 8.24 32.42 24.27 75.37 289.63 73.08 29.44 63.33 156.55 32.78 339.27 183.40 1,763.90 1,728.84 2,662.40 6,419.32 1,943.89 14,521.13

172.60 -1,323.24 -1,305.01 -1,296.77 -1,264.35 -1,240.08 -1,164.71 -875.08 -802.01 -772.56 -709.23 -552.68 -519.9 -180.63 2.77 1,766.67 3,495.52 6,157.92 12,577.24 14,521.13

1.19 1.19 -10.3 -9.11 0.13 -8.99 0.06 -8.93 0.22 -8.71 0.17 -8.54 0.52 -8.02 1.99 -6.03 0.50 -5.52 0.20 -5.32 0.44 -4.88 1.08 -3.81 0.23 -3.58 2.34 -1.24 1.26 0.02 12.15 12.17 11.91 24.07 18.33 42.41 44.21 86.61 13.39 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 1 0 1 0 0 3 0 0 0 1 0 1 2 0 4 4 8 1 28

2 2 3 3 4 4 4 7 7 7 7 8 8 9 11 11 15 19 27 28

7.14 7.14 0.00 7.14 3.57 10.71 0.00 10.71 3.57 14.29 0.00 14.29 0.00 14.29 10.71 25.00 0.00 25.00 0.00 25.00 0.00 25.00 3.57 28.57 0.00 28.57 3.57 32.14 7.14 39.29 0.00 39.29 14.29 53.57 14.29 67.86 28.57 96.43 3.57 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 110.78 0.00 2.41 0.00 4.11 0.00 0.00 132.90 0.00 0.00 0.00 41.06 0.00 54.79 214.82 0.00 15.71 383.69 50.92 110.00 1,121.18

110.78 9.88 110.78 0.00 113.19 0.22 113.19 0.00 117.29 0.37 117.29 0.00 117.29 0.00 250.19 11.85 250.19 0.00 250.19 0.00 250.19 0.00 291.25 3.66 291.25 0.00 346.04 4.89 560.85 19.16 560.85 0.00 576.57 1.40 960.26 34.22 1,011.18 4.54 1,121.18 9.81

9.88 64.18 64.18 9.88 0.00 -8.37 10.10 13.22 -8.67 10.10 0.00 -8.73 10.46 12.66 -9.28 10.46 0.00 -9.46 10.46 0.00 -10.07 22.31 45.89 -28.59 22.31 0.00 -31.2 22.31 0.00 -32.38 22.31 0.00 -35.28 25.98 26.23 -52.7 25.98 0.00 -56.02 30.86 16.15 -191.6 50.02 117.13 20239. 50.02 0.00 31.75 51.42 0.91 16.49 85.65 14.41 15.59 90.19 0.79 8.04 100.00 5.66 7.72 7.72

Page 68 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

15/12/2010

DATE

15/03/2011

Recreation Place

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE 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 15.27 250.45 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 94.24 125.03 134.65 134.65 149.93 400.37 406.67 714.30 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 0.66 6.46 10.79 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 BAND CUM. 0 0 4 1 0 0 0 0 0 0 0 0 0 0 0 0 4 2 2 0 13

0 0 4 5 5 5 5 5 5 5 5 5 5 5 5 5 9 11 13 13

0.00 0.00 0.00 0.00 30.77 30.77 7.69 38.46 0.00 38.46 0.00 38.46 0.00 38.46 0.00 38.46 0.00 38.46 0.00 38.46 0.00 38.46 0.00 38.46 0.00 38.46 0.00 38.46 0.00 38.46 0.00 38.46 30.77 69.23 15.38 84.62 15.38 100.00 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 1.64 1.64 0.15 1.20 2.84 0.11 0.00 2.84 0.00 0.00 2.84 0.00 0.00 2.84 0.00 0.00 2.84 0.00 0.00 2.84 0.00 0.00 2.84 0.00 0.00 2.84 0.00 0.00 2.84 0.00 0.00 2.84 0.00 0.00 2.84 0.00 0.00 2.84 0.00 0.00 2.84 0.00 614.00 616.84 56.98 147.29 764.12 13.67 313.40 1,077.52 29.09 0.00 1,077.52 0.00 1,077.52

0.00 4.47 0.00 0.00 0.15 7.12 0.26 0.00 0.26 0.00 0.26 0.00 0.26 0.00 0.26 0.00 0.26 0.00 0.26 0.00 0.26 0.00 0.26 0.00 0.26 0.00 0.26 21.02 0.26 104.73 0.26 1.89 57.25 16.08 70.91 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

46.42

Page 69 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 40

DATA POSITION FROM

01/01/2008

15/12/2010

DATE

15/03/2011

PROCESSING

Non Estate Plantation Risk

BAND

SUM INSURED Mid Points (In Million) From To

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,469 174 97 36 42 31 23 24 21 11 11 17 10 23 16 41 41 23 8 0 2,118

1,469 69.36 1,643 8.22 1,740 4.58 1,776 1.70 1,818 1.98 1,849 1.46 1,872 1.09 1,896 1.13 1,917 0.99 1,928 0.52 1,939 0.52 1,956 0.80 1,966 0.47 1,989 1.09 2,005 0.76 2,046 1.94 2,087 1.94 2,110 1.09 2,118 0.38 2,118 0.00

69.36 77.57 82.15 83.85 85.84 87.30 88.39 89.52 90.51 91.03 91.55 92.35 92.82 93.91 94.66 96.60 98.54 99.62 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 338.97 63.49 97.92 51.27 76.26 54.99 52.73 57.38 85.32 46.72 74.35 129.45 140.52 274.17 489.36 1,526.89 1,784.70 676.55 224.95 0.00 6,245.98

338.97 5.43 5.43 402.46 1.02 6.44 500.37 1.57 8.01 551.65 0.82 8.83 627.91 1.22 10.05 682.89 0.88 10.93 735.63 0.84 11.78 793.00 0.92 12.70 878.32 1.37 14.06 925.04 0.75 14.81 999.39 1.19 16.00 1,128.85 2.07 18.07 1,269.37 2.25 20.32 1,543.54 4.39 24.71 2,032.90 7.83 32.55 3,559.79 24.45 56.99 5,344.49 28.57 85.57 6,021.04 10.83 96.40 6,245.98 3.60 100.00 6,245.98 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 1 2 1 0 0 8

0 0 0 0 0 0 0 0 0 0 0 0 0 1 4 5 7 8 8 8

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.50 12.50 37.50 50.00 12.50 62.50 25.00 87.50 12.50 100.00 0.00 100.00 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 46.15 2,296.43 300.26 0.00 0.00 2,937.11

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 0.43 294.27 9.59 340.42 1.57 2,636.85 78.19 2,937.11 10.22 2,937.11 0.00 2,937.11 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.43 4.56 10.02 57.58 11.59 3.02 89.78 128.67 100.00 44.38 100.00 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 14.48 9.56 49.34 48.78 47.02 47.02

47.02

Page 70 of 204

RISK AND LOSS PROFILE 2008 GROUP BY PROVINCE

PT. REASURANSI INTERNASIONAL 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. 1,177 1,569 2,145 1,316 1,124 448 352 193 107 37 28 29 29 31 17 20 26 13 9 17 8,687

1,177 2,746 4,891 6,207 7,331 7,779 8,131 8,324 8,431 8,468 8,496 8,525 8,554 8,585 8,602 8,622 8,648 8,661 8,670 8,687

13.55 18.06 24.69 15.15 12.94 5.16 4.05 2.22 1.23 0.43 0.32 0.33 0.33 0.36 0.20 0.23 0.30 0.15 0.10 0.20

13.55 31.61 56.30 71.45 84.39 89.55 93.60 95.82 97.05 97.48 97.80 98.14 98.47 98.83 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. 316.13 621.69 1,507.94 1,517.35 1,802.80 1,038.43 989.73 682.90 461.97 175.86 129.45 177.27 155.45 241.34 191.17 273.60 785.25 400.99 52.98 462.06 11,984.34

316.13 2.64 2.64 937.82 5.19 7.83 2,445.76 12.58 20.41 3,963.11 12.66 33.07 5,765.91 15.04 48.11 6,804.34 8.66 56.78 7,794.06 8.26 65.04 8,476.96 5.70 70.73 8,938.92 3.85 74.59 9,114.78 1.47 76.06 9,244.23 1.08 77.14 9,421.50 1.48 78.62 9,576.95 1.30 79.91 9,818.29 2.01 81.93 10,009.46 1.60 83.52 10,283.06 2.28 85.80 11,068.31 6.55 92.36 11,469.30 3.35 95.70 11,522.28 0.44 96.14 11,984.34 3.86 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 1 0 2 0 0 0 0 0 1 0 0 0 0 0 0 0 1 0 0 11

6 54.55 54.55 7 9.09 63.64 7 0.00 63.64 9 18.18 81.82 9 0.00 81.82 9 0.00 81.82 9 0.00 81.82 9 0.00 81.82 9 0.00 81.82 10 9.09 90.91 10 0.00 90.91 10 0.00 90.91 10 0.00 90.91 10 0.00 90.91 10 0.00 90.91 10 0.00 90.91 10 0.00 90.91 11 9.09 100.00 11 0.00 100.00 11 0.00 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 246.24 72.00 0.00 339.19 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 53.98 0.00 0.00 758.63

246.24 32.46 318.24 9.49 318.24 0.00 657.43 44.71 657.43 0.00 657.43 0.00 657.43 0.00 657.43 0.00 657.43 0.00 704.65 6.22 704.65 0.00 704.65 0.00 704.65 0.00 704.65 0.00 704.65 0.00 704.65 0.00 704.65 0.00 758.63 7.12 758.63 0.00 758.63 0.00

32.46 41.95 41.95 86.66 86.66 86.66 86.66 86.66 86.66 92.88 92.88 92.88 92.88 92.88 92.88 92.88 92.88 100.00 100.00 100.00

77.89 11.58 0.00 22.35 0.00 0.00 0.00 0.00 0.00 26.85 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.46 0.00 0.00

77.89 33.93 13.01 16.59 11.40 9.66 8.44 7.76 7.35 7.73 7.62 7.48 7.36 7.18 7.04 6.85 6.37 6.61 6.58 6.33

6.33

Page 71 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

TOTAL

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

9,038 1 0 50 25 8,501 2 50 100 75 3 100 200 150 14,670 9,805 4 200 300 250 9,691 5 300 500 400 4,216 6 500 750 625 2,931 7 750 1,000 875 2,091 8 1,000 1,500 1,250 1,156 9 1,500 2,000 1,750 646 10 2,000 2,500 2,250 527 11 2,500 3,000 2,750 576 12 3,000 4,000 3,500 421 13 4,000 5,000 4,500 519 14 5,000 7,500 6,250 296 15 7,500 10,000 8,750 530 16 10,000 20,000 15,000 507 17 20,000 50,000 35,000 246 18 50,000 100,000 75,000 236 19 100,000 500,000 300,000 78 20 500,000 Up 66,681

9,038 17,539 32,209 42,014 51,705 55,921 58,852 60,943 62,099 62,745 63,272 63,848 64,269 64,788 65,084 65,614 66,121 66,367 66,603 66,681

13.55 12.75 22.00 14.70 14.53 6.32 4.40 3.14 1.73 0.97 0.79 0.86 0.63 0.78 0.44 0.79 0.76 0.37 0.35 0.12

DATA POSITION FROM

13.55 26.30 48.30 63.01 77.54 83.86 88.26 91.39 93.13 94.10 94.89 95.75 96.38 97.16 97.61 98.40 99.16 99.53 99.88 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5,554.10 1,928.62 5,192.17 5,633.50 8,947.41 5,477.74 5,773.60 5,454.14 4,123.43 2,711.41 2,618.89 3,306.51 3,043.27 4,287.72 3,471.94 8,145.33 7,913.83 4,812.48 2,637.28 2,226.07 93,259.44

5,554.10 7,482.72 12,674.89 18,308.39 27,255.80 32,733.54 38,507.13 43,961.27 48,084.70 50,796.11 53,415.00 56,721.51 59,764.78 64,052.50 67,524.44 75,669.78 83,583.61 88,396.09 91,033.37 93,259.44

5.96 5.96 2.07 8.02 5.57 13.59 6.04 19.63 9.59 29.23 5.87 35.10 6.19 41.29 5.85 47.14 4.42 51.56 2.91 54.47 2.81 57.28 3.55 60.82 3.26 64.08 4.60 68.68 3.72 72.40 8.73 81.14 8.49 89.62 5.16 94.79 2.83 97.61 2.39 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

43 7 9 11 13 20 6 20 6 4 5 9 8 9 7 27 26 17 37 4 288

43 14.93 14.93 50 2.43 17.36 59 3.13 20.49 70 3.82 24.31 83 4.51 28.82 103 6.94 35.76 109 2.08 37.85 129 6.94 44.79 135 2.08 46.88 139 1.39 48.26 144 1.74 50.00 153 3.13 53.13 161 2.78 55.90 170 3.13 59.03 177 2.43 61.46 204 9.38 70.83 230 9.03 79.86 247 5.90 85.76 284 12.85 98.61 288 1.39 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 5,212.33 324.61 162.89 903.99 2,539.00 1,784.91 585.01 8,864.30 168.06 1,521.42 1,695.10 5,000.36 245.26 1,201.88 2,901.27 4,619.83 7,323.40 184,421.98 14,480.13 9.20 243,964.90

5,212.33 2.14 5,536.94 0.13 5,699.83 0.07 6,603.81 0.37 9,142.81 1.04 10,927.72 0.73 11,512.72 0.24 20,377.02 3.63 20,545.08 0.07 22,066.50 0.62 23,761.60 0.69 28,761.96 2.05 29,007.22 0.10 30,209.09 0.49 33,110.36 1.19 37,730.19 1.89 45,053.59 3.00 229,475.57 75.59 243,955.70 5.94 243,964.90 0.00

2.14 2.27 2.34 2.71 3.75 4.48 4.72 8.35 8.42 9.04 9.74 11.79 11.89 12.38 13.57 15.47 18.47 94.06 100.00 100.00

93.85 16.83 3.14 16.05 28.38 32.58 10.13 162.52 4.08 56.11 64.73 151.23 8.06 28.03 83.56 56.72 92.54 3832.1 549.06 0.41

93.85 74.00 44.97 36.07 33.54 33.38 29.90 46.35 42.73 43.44 44.48 50.71 48.54 47.16 49.03 49.86 53.90 259.60 267.98 261.60

261.60

Page 72 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. 2,667 4,402 7,044 4,057 3,557 1,405 1,027 591 400 205 188 207 141 148 93 124 94 57 39 14 26,460

2,667 7,069 14,113 18,170 21,727 23,132 24,159 24,750 25,150 25,355 25,543 25,750 25,891 26,039 26,132 26,256 26,350 26,407 26,446 26,460

10.08 16.64 26.62 15.33 13.44 5.31 3.88 2.23 1.51 0.77 0.71 0.78 0.53 0.56 0.35 0.47 0.36 0.22 0.15 0.05

10.08 26.72 53.34 68.67 82.11 87.42 91.30 93.54 95.05 95.82 96.53 97.32 97.85 98.41 98.76 99.23 99.58 99.80 99.95 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,008.78 821.32 2,101.94 1,983.63 3,176.49 2,113.73 2,250.21 1,570.90 1,271.45 1,003.90 555.75 792.77 509.65 607.98 289.89 1,194.82 1,248.15 793.80 631.65 755.55 24,682.38

1,008.78 4.09 4.09 1,830.10 3.33 7.41 3,932.04 8.52 15.93 5,915.67 8.04 23.97 9,092.16 12.87 36.84 11,205.90 8.56 45.40 13,456.11 9.12 54.52 15,027.01 6.36 60.88 16,298.46 5.15 66.03 17,302.36 4.07 70.10 17,858.12 2.25 72.35 18,650.88 3.21 75.56 19,160.53 2.06 77.63 19,768.51 2.46 80.09 20,058.40 1.17 81.27 21,253.22 4.84 86.11 22,501.37 5.06 91.16 23,295.17 3.22 94.38 23,926.83 2.56 96.94 24,682.38 3.06 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

01/01/2008

15/12/2010

DATE

15/03/2011

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

10 13 35 40 51 25 24 19 17 11 12 10 11 7 5 7 13 8 0 2

10 3.13 3.13 2,740.77 23 4.06 7.19 374.39 58 10.94 18.13 705.36 98 12.50 30.63 3,256.93 149 15.94 46.56 7,408.42 174 7.81 54.38 5,742.03 198 7.50 61.88 8,020.38 217 5.94 67.81 8,445.46 234 5.31 73.13 8,234.22 245 3.44 76.56 6,300.44 257 3.75 80.31 2,059.85 267 3.13 83.44 5,549.67 278 3.44 86.88 2,636.94 285 2.19 89.06 1,457.98 290 1.56 90.63 387.44 297 2.19 92.81 82,869.82 310 4.06 96.88 34,453.02 318 2.50 99.38 10,699.96 318 0.00 99.38 0.00 320 0.63 100.00 287.32

320

191,630.4

2,740.77 1.43 3,115.16 0.20 3,820.52 0.37 7,077.45 1.70 14,485.87 3.87 20,227.90 3.00 28,248.29 4.19 36,693.75 4.41 44,927.97 4.30 51,228.40 3.29 53,288.25 1.07 58,837.92 2.90 61,474.86 1.38 62,932.85 0.76 63,320.29 0.20 146,190.1 43.24 180,643.1 17.98 191,343.0 5.58 191,343.0 0.00 191,630.4 0.15

1.43 1.63 1.99 3.69 7.56 10.56 14.74 19.15 23.45 26.73 27.81 30.70 32.08 32.84 33.04 76.29 94.27 99.85 99.85 100.00

271.69 45.58 33.56 164.19 233.23 271.65 356.43 537.62 647.62 627.59 370.64 700.04 517.41 239.81 133.65 6935.7 2760.3 1347.9 0.00 38.03

271.69 170.22 97.16 119.64 159.32 180.51 209.93 244.19 275.66 296.08 298.40 315.47 320.84 318.35 315.68 687.85 802.81 821.39 799.70 776.39

776.39

Page 73 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

5,560 5,300 7,575 4,798 4,616 1,832 1,100 800 377 257 156 182 121 177 97 178 188 147 171 63

2,668.50 -326.44 3,321.44 3,602.92 5,799.93 3,422.95 3,067.42 2,525.97 1,696.69 1,047.01 786.66 1,142.27 914.43 1,335.69 768.45 2,516.34 3,527.23 1,724.24 3,749.91 691.16

33,695

5,560 10,860 18,435 23,233 27,849 29,681 30,781 31,581 31,958 32,215 32,371 32,553 32,674 32,851 32,948 33,126 33,314 33,461 33,632 33,695

16.50 15.73 22.48 14.24 13.70 5.44 3.26 2.37 1.12 0.76 0.46 0.54 0.36 0.53 0.29 0.53 0.56 0.44 0.51 0.19

16.50 32.23 54.71 68.95 82.65 88.09 91.35 93.73 94.84 95.61 96.07 96.61 96.97 97.50 97.78 98.31 98.87 99.31 99.81 100.00

43,982.79

2,668.50 6.07 6.07 2,342.06 -0.74 5.32 5,663.50 7.55 12.88 9,266.42 8.19 21.07 15,066.35 13.19 34.26 18,489.31 7.78 42.04 21,556.73 6.97 49.01 24,082.70 5.74 54.75 25,779.39 3.86 58.61 26,826.40 2.38 60.99 27,613.07 1.79 62.78 28,755.33 2.60 65.38 29,669.76 2.08 67.46 31,005.46 3.04 70.49 31,773.91 1.75 72.24 34,290.25 5.72 77.96 37,817.48 8.02 85.98 39,541.72 3.92 89.90 43,291.63 8.53 98.43 43,982.79 1.57 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 16 13 12 5 6 5 6 8 2 4 0 3 0 1 2 0 11 4 0 4 102

16 29 41 46 52 57 63 71 73 77 77 80 80 81 83 83 94 98 98 102

15.69 15.69 12.75 28.43 11.76 40.20 4.90 45.10 5.88 50.98 4.90 55.88 5.88 61.76 7.84 69.61 1.96 71.57 3.92 75.49 0.00 75.49 2.94 78.43 0.00 78.43 0.98 79.41 1.96 81.37 0.00 81.37 10.78 92.16 3.92 96.08 0.00 96.08 3.92 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 718.64 690.13 856.70 447.00 803.88 604.97 1,730.46 1,106.82 173.00 4,565.47 0.00 3,552.34 0.00 5.53 289.07 0.00 2,891.94 670.83 0.00 129.01 19,235.79

718.64 3.74 1,408.77 3.59 2,265.47 4.45 2,712.47 2.32 3,516.35 4.18 4,121.32 3.15 5,851.78 9.00 6,958.59 5.75 7,131.59 0.90 11,697.07 23.73 11,697.07 0.00 15,249.41 18.47 15,249.41 0.00 15,254.94 0.03 15,544.01 1.50 15,544.01 0.00 18,435.95 15.03 19,106.78 3.49 19,106.78 0.00 19,235.79 0.67

3.74 26.93 7.32 -211.4 11.78 25.79 14.10 12.41 18.28 13.86 21.43 17.67 30.42 56.41 36.18 43.82 37.07 10.20 60.81 436.05 60.81 0.00 79.28 310.99 79.28 0.00 79.30 0.41 80.81 37.62 80.81 0.00 95.84 81.99 99.33 38.91 99.33 0.00 100.00 18.67

26.93 60.15 40.00 29.27 23.34 22.29 27.15 28.89 27.66 43.60 42.36 53.03 51.40 49.20 48.92 45.33 48.75 48.32 44.14 43.73

43.73

Page 74 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 BAND CUM.

2,148 2,646 3,064 1,700 1,494 591 346 268 143 88 45 55 45 55 40 38 58 39 36 10 12,909

2,148 4,794 7,858 9,558 11,052 11,643 11,989 12,257 12,400 12,488 12,533 12,588 12,633 12,688 12,728 12,766 12,824 12,863 12,899 12,909

DATA POSITION FROM

16.64 20.50 23.74 13.17 11.57 4.58 2.68 2.08 1.11 0.68 0.35 0.43 0.35 0.43 0.31 0.29 0.45 0.30 0.28 0.08

16.64 37.14 60.87 74.04 85.61 90.19 92.87 94.95 96.06 96.74 97.09 97.51 97.86 98.29 98.60 98.89 99.34 99.64 99.92 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 521.86 744.71 1,662.92 1,447.53 1,939.81 1,153.40 870.25 905.14 750.24 322.17 190.18 357.12 276.60 501.29 756.57 651.97 746.37 841.14 866.95 69.72 15,575.93

521.86 3.35 3.35 1,266.57 4.78 8.13 2,929.49 10.68 18.81 4,377.02 9.29 28.10 6,316.82 12.45 40.56 7,470.22 7.41 47.96 8,340.47 5.59 53.55 9,245.62 5.81 59.36 9,995.85 4.82 64.17 10,318.02 2.07 66.24 10,508.21 1.22 67.46 10,865.33 2.29 69.76 11,141.93 1.78 71.53 11,643.22 3.22 74.75 12,399.78 4.86 79.61 13,051.75 4.19 83.79 13,798.12 4.79 88.59 14,639.27 5.40 93.99 15,506.21 5.57 99.55 15,575.93 0.45 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 2 2 4 1 3 0 0 0 0 1 0 0 0 0 0 0 2 4 0 0 19

2 4 8 9 12 12 12 12 12 13 13 13 13 13 13 13 15 19 19 19

10.53 10.53 10.53 21.05 21.05 42.11 5.26 47.37 15.79 63.16 0.00 63.16 0.00 63.16 0.00 63.16 0.00 63.16 5.26 68.42 0.00 68.42 0.00 68.42 0.00 68.42 0.00 68.42 0.00 68.42 0.00 68.42 10.53 78.95 21.05 100.00 0.00 100.00 0.00 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 52.25 69.00 444.74 73.80 617.13 0.00 0.00 0.00 0.00 2,717.00 0.00 0.00 0.00 0.00 0.00 0.00 185.05 257.36 0.00 0.00 4,416.33

52.25 1.18 121.25 1.56 565.98 10.07 639.78 1.67 1,256.92 13.97 1,256.92 0.00 1,256.92 0.00 1,256.92 0.00 1,256.92 0.00 3,973.92 61.52 3,973.92 0.00 3,973.92 0.00 3,973.92 0.00 3,973.92 0.00 3,973.92 0.00 3,973.92 0.00 4,158.97 4.19 4,416.33 5.83 4,416.33 0.00 4,416.33 0.00

1.18 10.01 2.75 9.27 12.82 26.74 14.49 5.10 28.46 31.81 28.46 0.00 28.46 0.00 28.46 0.00 28.46 0.00 89.98 843.34 89.98 0.00 89.98 0.00 89.98 0.00 89.98 0.00 89.98 0.00 89.98 0.00 94.17 24.79 100.00 30.60 100.00 0.00 100.00 0.00

10.01 9.57 19.32 14.62 19.90 16.83 15.07 13.59 12.57 38.51 37.82 36.57 35.67 34.13 32.05 30.45 30.14 30.17 28.48 28.35

28.35

Page 75 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. 3,949 3,710 5,070 3,364 2,974 1,521 1,068 780 382 266 155 159 109 129 90 169 133 97 110 64 24,299

3,949 7,659 12,729 16,093 19,067 20,588 21,656 22,436 22,818 23,084 23,239 23,398 23,507 23,636 23,726 23,895 24,028 24,125 24,235 24,299

16.25 15.27 20.87 13.84 12.24 6.26 4.40 3.21 1.57 1.09 0.64 0.65 0.45 0.53 0.37 0.70 0.55 0.40 0.45 0.26

16.25 31.52 52.38 66.23 78.47 84.73 89.12 92.33 93.91 95.00 95.64 96.29 96.74 97.27 97.64 98.34 98.88 99.28 99.74 100.00

DATA POSITION FROM PROCESSING

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

2,224.50 976.99 1,982.34 2,040.21 3,160.94 2,233.08 2,295.96 2,120.55 1,345.52 1,029.90 769.53 839.11 585.55 1,084.07 762.61 2,043.48 2,275.31 2,044.57 2,054.57 826.51

9 9 8.91 8.91 672.80 5 14 4.95 13.86 173.23 6 20 5.94 19.80 701.05 2 22 1.98 21.78 76.48 3 25 2.97 24.75 548.18 1 26 0.99 25.74 265.06 0 26 0.00 25.74 0.00 3 29 2.97 28.71 94.81 3 32 2.97 31.68 243.36 1 33 0.99 32.67 208.95 0 33 0.00 32.67 0.00 0 33 0.00 32.67 0.00 1 34 0.99 33.66 50.00 2 36 1.98 35.64 34.90 1 37 0.99 36.63 4.80 3 40 2.97 39.60 3,424.25 7 47 6.93 46.53 2,907.14 5 52 4.95 51.49 233.01 40 92 39.60 91.09 94,214.44 9 101 8.91 100.00 8,172.27

32,695.31

2,224.50 3,201.49 5,183.83 7,224.04 10,384.98 12,618.06 14,914.02 17,034.58 18,380.10 19,410.00 20,179.53 21,018.63 21,604.18 22,688.26 23,450.87 25,494.34 27,769.65 29,814.22 31,868.80 32,695.31

6.80 6.80 2.99 9.79 6.06 15.85 6.24 22.10 9.67 31.76 6.83 38.59 7.02 45.62 6.49 52.10 4.12 56.22 3.15 59.37 2.35 61.72 2.57 64.29 1.79 66.08 3.32 69.39 2.33 71.73 6.25 77.98 6.96 84.93 6.25 91.19 6.28 97.47 2.53 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

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

112,024.7

672.80 0.60 846.02 0.15 1,547.07 0.63 1,623.56 0.07 2,171.74 0.49 2,436.80 0.24 2,436.80 0.00 2,531.61 0.08 2,774.97 0.22 2,983.92 0.19 2,983.92 0.00 2,983.92 0.00 3,033.92 0.04 3,068.82 0.03 3,073.62 0.00 6,497.87 3.06 9,405.01 2.60 9,638.01 0.21 103,852.4 84.10 112,024.7 7.30

0.60 0.76 1.38 1.45 1.94 2.18 2.18 2.26 2.48 2.66 2.66 2.66 2.71 2.74 2.74 5.80 8.40 8.60 92.70 100.00

30.24 30.24 17.73 26.43 35.36 29.84 3.75 22.47 17.34 20.91 11.87 19.31 0.00 16.34 4.47 14.86 18.09 15.10 20.29 15.37 0.00 14.79 0.00 14.20 8.54 14.04 3.22 13.53 0.63 13.11 167.57 25.49 127.77 33.87 11.40 32.33 4585.6 325.88 988.77 342.63 342.63

Page 76 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. 1,432 1,584 1,640 894 669 284 147 93 54 28 21 32 23 18 12 15 27 13 5 4 6,995

1,432 3,016 4,656 5,550 6,219 6,503 6,650 6,743 6,797 6,825 6,846 6,878 6,901 6,919 6,931 6,946 6,973 6,986 6,991 6,995

DATA POSITION FROM

20.47 22.64 23.45 12.78 9.56 4.06 2.10 1.33 0.77 0.40 0.30 0.46 0.33 0.26 0.17 0.21 0.39 0.19 0.07 0.06

20.47 43.12 66.56 79.34 88.91 92.97 95.07 96.40 97.17 97.57 97.87 98.33 98.66 98.91 99.09 99.30 99.69 99.87 99.94 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 429.97 379.65 749.98 579.13 840.51 459.74 370.72 238.78 190.56 133.97 122.35 292.13 108.45 81.30 280.05 174.44 402.07 210.04 104.94 27.83 6,176.60

429.97 6.96 6.96 809.62 6.15 13.11 1,559.60 12.14 25.25 2,138.73 9.38 34.63 2,979.25 13.61 48.23 3,438.99 7.44 55.68 3,809.71 6.00 61.68 4,048.48 3.87 65.55 4,239.04 3.09 68.63 4,373.01 2.17 70.80 4,495.36 1.98 72.78 4,787.49 4.73 77.51 4,895.94 1.76 79.27 4,977.23 1.32 80.58 5,257.28 4.53 85.12 5,431.71 2.82 87.94 5,833.79 6.51 94.45 6,043.83 3.40 97.85 6,148.77 1.70 99.55 6,176.60 0.45 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 3 1 3 3 4 1 0 0 2 0 0 0 1 0 0 0 0 1 1 0 20

3 4 7 10 14 15 15 15 17 17 17 17 18 18 18 18 18 19 20 20

15.00 15.00 5.00 20.00 15.00 35.00 15.00 50.00 20.00 70.00 5.00 75.00 0.00 75.00 0.00 75.00 10.00 85.00 0.00 85.00 0.00 85.00 0.00 85.00 5.00 90.00 0.00 90.00 0.00 90.00 0.00 90.00 0.00 90.00 5.00 95.00 5.00 100.00 0.00 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 93.77 21.29 90.22 74.62 1,113.75 15.27 0.00 0.00 8.99 0.00 0.00 0.00 45.36 0.00 0.00 0.00 0.00 45.45 50.00 0.00 1,558.72

93.77 6.02 115.06 1.37 205.28 5.79 279.91 4.79 1,393.66 71.45 1,408.92 0.98 1,408.92 0.00 1,408.92 0.00 1,417.91 0.58 1,417.91 0.00 1,417.91 0.00 1,417.91 0.00 1,463.27 2.91 1,463.27 0.00 1,463.27 0.00 1,463.27 0.00 1,463.27 0.00 1,508.72 2.92 1,558.72 3.21 1,558.72 0.00

6.02 21.81 7.38 5.61 13.17 12.03 17.96 12.89 89.41 132.51 90.39 3.32 90.39 0.00 90.39 0.00 90.97 4.72 90.97 0.00 90.97 0.00 90.97 0.00 93.88 41.83 93.88 0.00 93.88 0.00 93.88 0.00 93.88 0.00 96.79 21.64 100.00 47.65 100.00 0.00

21.81 14.21 13.16 13.09 46.78 40.97 36.98 34.80 33.45 32.42 31.54 29.62 29.89 29.40 27.83 26.94 25.08 24.96 25.35 25.24

25.24

Page 77 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. 2,443 3,167 3,624 2,215 2,143 1,066 700 558 346 176 157 164 149 212 130 221 244 125 100 47 17,987

2,443 5,610 9,234 11,449 13,592 14,658 15,358 15,916 16,262 16,438 16,595 16,759 16,908 17,120 17,250 17,471 17,715 17,840 17,940 17,987

DATA POSITION FROM

13.58 17.61 20.15 12.31 11.91 5.93 3.89 3.10 1.92 0.98 0.87 0.91 0.83 1.18 0.72 1.23 1.36 0.69 0.56 0.26

13.58 31.19 51.34 63.65 75.57 81.49 85.38 88.49 90.41 91.39 92.26 93.17 94.00 95.18 95.90 97.13 98.49 99.18 99.74 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,172.53 626.29 1,226.82 1,223.80 2,072.62 1,536.65 1,351.42 1,481.79 1,247.50 688.03 686.78 808.12 991.95 1,590.43 1,410.66 2,688.79 3,162.70 1,690.37 1,119.39 435.44 28,212.09

2,172.53 7.70 7.70 2,798.83 2.22 9.92 4,025.65 4.35 14.27 5,249.45 4.34 18.61 7,322.07 7.35 25.95 8,858.72 5.45 31.40 10,210.15 4.79 36.19 11,691.93 5.25 41.44 12,939.44 4.42 45.86 13,627.47 2.44 48.30 14,314.24 2.43 50.74 15,122.36 2.86 53.60 16,114.31 3.52 57.12 17,704.74 5.64 62.76 19,115.41 5.00 67.76 21,804.19 9.53 77.29 24,966.89 11.21 88.50 26,657.26 5.99 94.49 27,776.65 3.97 98.46 28,212.09 1.54 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 11 2 4 10 3 2 4 1 0 3 0 1 2 2 4 8 31 10 5 3 106

11 10.38 10.38 13 1.89 12.26 17 3.77 16.04 27 9.43 25.47 30 2.83 28.30 32 1.89 30.19 36 3.77 33.96 37 0.94 34.91 37 0.00 34.91 40 2.83 37.74 40 0.00 37.74 41 0.94 38.68 43 1.89 40.57 45 1.89 42.45 49 3.77 46.23 57 7.55 53.77 88 29.25 83.02 98 9.43 92.45 103 4.72 97.17 106 2.83 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 702.50 74.61 1.76 225.67 592.48 28.10 299.09 3.36 0.00 1,521.47 0.00 0.75 35.42 788.28 1,324.75 2,089.37 2,802.17 758.65 1,031.97 1,013.35 13,293.74

702.50 5.28 777.11 0.56 778.86 0.01 1,004.53 1.70 1,597.01 4.46 1,625.11 0.21 1,924.20 2.25 1,927.57 0.03 1,927.57 0.00 3,449.03 11.44 3,449.03 0.00 3,449.78 0.01 3,485.20 0.27 4,273.48 5.93 5,598.23 9.97 7,687.60 15.72 10,489.78 21.08 11,248.43 5.71 12,280.40 7.76 13,293.74 7.62

5.28 32.34 5.85 11.91 5.86 0.14 7.56 18.44 12.01 28.59 12.22 1.83 14.47 22.13 14.50 0.23 14.50 0.00 25.94 221.13 25.94 0.00 25.95 0.09 26.22 3.57 32.15 49.56 42.11 93.91 57.83 77.71 78.91 88.60 84.61 44.88 92.38 92.19 100.00 232.72

32.34 27.77 19.35 19.14 21.81 18.34 18.85 16.49 14.90 25.31 24.10 22.81 21.63 24.14 29.29 35.26 42.01 42.20 44.21 47.12

47.12

Page 78 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 25,351 17,073 31,360 26,500 37,315 21,767 16,044 12,748 7,107 3,779 3,036 3,535 2,254 2,767 1,629 2,673 1,982 913 1,512 579 219,92

25,351 42,424 73,784 100,28 137,59 159,36 175,41 188,15 195,26 199,04 202,08 205,61 207,86 210,63 212,26 214,93 216,92 217,83 219,34 219,92

11.53 7.76 14.26 12.05 16.97 9.90 7.30 5.80 3.23 1.72 1.38 1.61 1.02 1.26 0.74 1.22 0.90 0.42 0.69 0.26

DATA POSITION FROM

11.53 19.29 33.55 45.60 62.57 72.46 79.76 85.56 88.79 90.51 91.89 93.49 94.52 95.78 96.52 97.73 98.63 99.05 99.74 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

56,241.84 4,933.18 10,027.88 11,998.21 29,637.25 21,141.97 22,491.81 24,321.68 18,503.82 12,041.52 12,693.25 16,035.74 12,774.49 18,003.76 13,086.23 29,485.41 33,825.38 16,766.86 32,478.62 76,984.38

201 48 112 32 80 35 51 54 53 29 19 40 39 37 22 73 114 70 203 189

473,473.31

56,241.84 11.88 11.88 61,175.02 1.04 12.92 71,202.90 2.12 15.04 83,201.11 2.53 17.57 112,838.36 6.26 23.83 133,980.33 4.47 28.30 156,472.14 4.75 33.05 180,793.83 5.14 38.18 199,297.65 3.91 42.09 211,339.17 2.54 44.64 224,032.42 2.68 47.32 240,068.16 3.39 50.70 252,842.65 2.70 53.40 270,846.42 3.80 57.20 283,932.65 2.76 59.97 313,418.06 6.23 66.20 347,243.44 7.14 73.34 364,010.31 3.54 76.88 396,488.93 6.86 83.74 473,473.31 16.26 100.00

1,501

201 13.39 13.39 249 3.20 16.59 361 7.46 24.05 393 2.13 26.18 473 5.33 31.51 508 2.33 33.84 559 3.40 37.24 613 3.60 40.84 666 3.53 44.37 695 1.93 46.30 714 1.27 47.57 754 2.66 50.23 793 2.60 52.83 830 2.47 55.30 852 1.47 56.76 925 4.86 61.63 1,03 7.59 69.22 1,10 4.66 73.88 1,31 13.52 87.41 1,50 12.59 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 43,113.63 2,035.94 4,950.79 1,919.76 4,991.57 2,878.49 3,488.40 5,392.77 4,352.80 3,190.31 1,579.71 6,218.16 820.60 12,053.81 2,643.10 31,387.42 9,422.42 22,941.65 94,642.23 144,222.72 402,246.29

43,113.63 10.72 45,149.57 0.51 50,100.36 1.23 52,020.12 0.48 57,011.69 1.24 59,890.19 0.72 63,378.59 0.87 68,771.36 1.34 73,124.16 1.08 76,314.47 0.79 77,894.18 0.39 84,112.34 1.55 84,932.94 0.20 96,986.75 3.00 99,629.85 0.66 131,017.27 7.80 140,439.69 2.34 163,381.34 5.70 258,023.57 23.53 402,246.29 35.85

10.72 11.22 12.46 12.93 14.17 14.89 15.76 17.10 18.18 18.97 19.36 20.91 21.11 24.11 24.77 32.57 34.91 40.62 64.15 100.00

76.66 41.27 49.37 16.00 16.84 13.62 15.51 22.17 23.52 26.49 12.45 38.78 6.42 66.95 20.20 106.45 27.86 136.83 291.40 187.34

76.66 73.80 70.36 62.52 50.53 44.70 40.50 38.04 36.69 36.11 34.77 35.04 33.59 35.81 35.09 41.80 40.44 44.88 65.08 84.96

84.96

Page 79 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 31,057 27,948 29,351 17,216 17,792 9,819 6,167 5,245 2,890 1,735 1,334 1,782 1,244 1,817 1,201 2,328 2,022 1,033 1,467 464 163,91

31,057 59,005 88,356 105,572 123,364 133,183 139,350 144,595 147,485 149,220 150,554 152,336 153,580 155,397 156,598 158,926 160,948 161,981 163,448 163,912

DATA POSITION FROM

18.95 17.05 17.91 10.50 10.85 5.99 3.76 3.20 1.76 1.06 0.81 1.09 0.76 1.11 0.73 1.42 1.23 0.63 0.89 0.28

18.95 36.00 53.90 64.41 75.26 81.25 85.02 88.22 89.98 91.04 91.85 92.94 93.70 94.81 95.54 96.96 98.19 98.82 99.72 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

19,946.52 6,538.17 10,996.62 10,022.20 15,112.16 11,935.60 10,727.39 11,582.15 8,205.44 6,162.73 5,627.97 8,322.07 6,951.53 12,401.83 10,263.78 25,125.81 30,400.37 19,341.32 24,065.31 23,127.94

126 10 42 36 42 39 29 29 19 20 14 21 18 30 14 76 79 83 105 149

126 12.84 12.84 125,991.87 125,991.87 16.85 136 1.02 13.86 145.04 126,136.91 0.02 178 4.28 18.14 7,658.29 133,795.19 1.02 214 3.67 21.81 2,071.74 135,866.94 0.28 256 4.28 26.10 3,003.13 138,870.07 0.40 295 3.98 30.07 1,698.26 140,568.33 0.23 324 2.96 33.03 4,838.31 145,406.64 0.65 353 2.96 35.98 4,704.88 150,111.52 0.63 372 1.94 37.92 2,683.98 152,795.51 0.36 392 2.04 39.96 2,590.72 155,386.22 0.35 406 1.43 41.39 1,321.50 156,707.73 0.18 427 2.14 43.53 2,838.49 159,546.22 0.38 445 1.83 45.36 4,518.05 164,064.27 0.60 475 3.06 48.42 1,549.32 165,613.59 0.21 489 1.43 49.85 1,061.98 166,675.58 0.14 565 7.75 57.59 36,182.36 202,857.94 4.84 644 8.05 65.65 93,640.69 296,498.63 12.52 727 8.46 74.11 70,526.97 367,025.59 9.43 832 10.70 84.81 254,715.36 621,740.95 34.06 981 15.19 100.00 126,158.55 747,899.51 16.87

981

747,899.51

276,856.91

19,946.52 7.20 7.20 26,484.69 2.36 9.57 37,481.32 3.97 13.54 47,503.52 3.62 17.16 62,615.67 5.46 22.62 74,551.28 4.31 26.93 85,278.67 3.87 30.80 96,860.82 4.18 34.99 105,066.25 2.96 37.95 111,228.98 2.23 40.18 116,856.95 2.03 42.21 125,179.02 3.01 45.21 132,130.55 2.51 47.73 144,532.39 4.48 52.20 154,796.16 3.71 55.91 179,921.97 9.08 64.99 210,322.34 10.98 75.97 229,663.66 6.99 82.95 253,728.97 8.69 91.65 276,856.91 8.35 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 16.85 16.87 17.89 18.17 18.57 18.80 19.44 20.07 20.43 20.78 20.95 21.33 21.94 22.14 22.29 27.12 39.64 49.07 83.13 100.00

631.65 2.22 69.64 20.67 19.87 14.23 45.10 40.62 32.71 42.04 23.48 34.11 64.99 12.49 10.35 144.00 308.02 364.64 1058.4 545.48

631.65 476.26 356.97 286.01 221.78 188.55 170.51 154.98 145.43 139.70 134.10 127.45 124.17 114.59 107.67 112.75 140.97 159.81 245.04 270.14

270.14

Page 80 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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 21,737 15,924 14,533 7,147 7,496 4,347 3,008 2,551 1,478 896 704 920 541 733 456 822 707 346 326 177 84,849

21,737 25.62 25.62 37,661 18.77 44.39 52,194 17.13 61.51 59,341 8.42 69.94 66,837 8.83 78.77 71,184 5.12 83.89 74,192 3.55 87.44 76,743 3.01 90.45 78,221 1.74 92.19 79,117 1.06 93.24 79,821 0.83 94.07 80,741 1.08 95.16 81,282 0.64 95.80 82,015 0.86 96.66 82,471 0.54 97.20 83,293 0.97 98.17 84,000 0.83 99.00 84,346 0.41 99.41 84,672 0.38 99.79 84,849 0.21 100.00

DATA POSITION FROM PROCESSING

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

7,140.00 7,140.00 6.88 6.88 2,039.78 9,179.78 1.97 8.85 4,750.67 13,930.46 4.58 13.43 4,140.74 18,071.20 3.99 17.42 6,936.98 25,008.18 6.69 24.11 6,668.77 31,676.95 6.43 30.54 5,095.42 36,772.38 4.91 35.45 6,196.84 42,969.21 5.97 41.42 4,275.65 47,244.86 4.12 45.55 3,270.24 50,515.10 3.15 48.70 3,008.59 53,523.69 2.90 51.60 4,599.44 58,123.14 4.43 56.03 3,466.88 61,590.02 3.34 59.37 5,700.12 67,290.14 5.50 64.87 4,300.49 71,590.63 4.15 69.01 10,419.73 82,010.35 10.04 79.06 9,599.39 91,609.74 9.25 88.31 5,744.65 97,354.39 5.54 93.85 4,624.17 101,978.56 4.46 98.31 1,753.66 103,732.22 1.69 100.00

62 9 15 12 20 8 14 27 11 8 9 10 13 19 18 31 60 60 86 10

103,732.22

502

62 71 86 98 118 126 140 167 178 186 195 205 218 237 255 286 346 406 492 502

12.35 12.35 1.79 14.14 2.99 17.13 2.39 19.52 3.98 23.51 1.59 25.10 2.79 27.89 5.38 33.27 2.19 35.46 1.59 37.05 1.79 38.84 1.99 40.84 2.59 43.43 3.78 47.21 3.59 50.80 6.18 56.97 11.95 68.92 11.95 80.88 17.13 98.01 1.99 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3,813.97 681.13 508.66 205.22 1,472.40 233.48 782.26 4,276.76 736.93 336.12 1,108.66 2,552.63 4,440.75 8,226.53 8,186.38 23,080.03 29,948.99 1,256.07 4,200.75 6,254.05 102,301.78

3,813.97 3.73 4,495.10 0.67 5,003.76 0.50 5,208.98 0.20 6,681.39 1.44 6,914.87 0.23 7,697.13 0.76 11,973.90 4.18 12,710.83 0.72 13,046.94 0.33 14,155.60 1.08 16,708.23 2.50 21,148.98 4.34 29,375.51 8.04 37,561.89 8.00 60,641.92 22.56 90,590.91 29.28 91,846.98 1.23 96,047.73 4.11 102,301.78 6.11

3.73 4.39 4.89 5.09 6.53 6.76 7.52 11.70 12.42 12.75 13.84 16.33 20.67 28.71 36.72 59.28 88.55 89.78 93.89 100.00

53.42 33.39 10.71 4.96 21.23 3.50 15.35 69.02 17.24 10.28 36.85 55.50 128.09 144.32 190.36 221.50 311.99 21.87 90.84 356.63

53.42 48.97 35.92 28.82 26.72 21.83 20.93 27.87 26.90 25.83 26.45 28.75 34.34 43.65 52.47 73.94 98.89 94.34 94.18 98.62

98.62

Page 81 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,153 1,887 1,985 1,187 1,177 707 551 362 224 160 115 101 74 105 65 108 89 31 17 8 11,106

2,153 4,040 6,025 7,212 8,389 9,096 9,647 10,009 10,233 10,393 10,508 10,609 10,683 10,788 10,853 10,961 11,050 11,081 11,098 11,106

19.39 16.99 17.87 10.69 10.60 6.37 4.96 3.26 2.02 1.44 1.04 0.91 0.67 0.95 0.59 0.97 0.80 0.28 0.15 0.07

DATA POSITION FROM

19.39 36.38 54.25 64.94 75.54 81.90 86.86 90.12 92.14 93.58 94.62 95.52 96.19 97.14 97.72 98.69 99.50 99.77 99.93 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 669.03 259.20 567.21 550.51 893.67 769.28 1,310.21 702.63 529.60 529.00 389.43 504.91 377.56 677.07 469.54 1,027.56 942.22 551.15 368.31 92.49 12,180.59

669.03 5.49 5.49 928.23 2.13 7.62 1,495.44 4.66 12.28 2,045.95 4.52 16.80 2,939.62 7.34 24.13 3,708.90 6.32 30.45 5,019.11 10.76 41.21 5,721.75 5.77 46.97 6,251.35 4.35 51.32 6,780.35 4.34 55.67 7,169.77 3.20 58.86 7,674.68 4.15 63.01 8,052.24 3.10 66.11 8,729.31 5.56 71.67 9,198.85 3.85 75.52 10,226.41 8.44 83.96 11,168.63 7.74 91.69 11,719.78 4.52 96.22 12,088.10 3.02 99.24 12,180.59 0.76 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 0 1 1 4 0 8 6 0 0 2 0 0 1 0 1 1 1 1 1 32

4 4 5 6 10 10 18 24 24 24 26 26 26 27 27 28 29 30 31 32

12.50 12.50 0.00 12.50 3.13 15.63 3.13 18.75 12.50 31.25 0.00 31.25 25.00 56.25 18.75 75.00 0.00 75.00 0.00 75.00 6.25 81.25 0.00 81.25 0.00 81.25 3.13 84.38 0.00 84.38 3.13 87.50 3.13 90.63 3.13 93.75 3.13 96.88 3.13 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 79.09 0.00 57.01 2.15 17.76 0.00 240.09 1,624.26 0.00 0.00 3.26 0.00 0.00 677.35 0.00 335.11 74.23 843.33 16.57 0.74 3,970.94

79.09 1.99 79.09 0.00 136.10 1.44 138.25 0.05 156.01 0.45 156.01 0.00 396.10 6.05 2,020.36 40.90 2,020.36 0.00 2,020.36 0.00 2,023.62 0.08 2,023.62 0.00 2,023.62 0.00 2,700.96 17.06 2,700.96 0.00 3,036.07 8.44 3,110.30 1.87 3,953.63 21.24 3,970.20 0.42 3,970.94 0.02

1.99 11.82 1.99 0.00 3.43 10.05 3.48 0.39 3.93 1.99 3.93 0.00 9.98 18.32 50.88 231.17 50.88 0.00 50.88 0.00 50.96 0.84 50.96 0.00 50.96 0.00 68.02 100.04 68.02 0.00 76.46 32.61 78.33 7.88 99.56 153.01 99.98 4.50 100.00 0.80

11.82 8.52 9.10 6.76 5.31 4.21 7.89 35.31 32.32 29.80 28.22 26.37 25.13 30.94 29.36 29.69 27.85 33.73 32.84 32.60

32.60

Page 82 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 18,067 16,248 18,342 10,963 12,785 7,901 5,566 4,931 3,011 1,720 1,342 1,526 1,117 1,485 916 1,640 1,487 602 719 306 110,674

18,067 34,315 52,657 63,620 76,405 84,306 89,872 94,803 97,814 99,534 100,87 102,40 103,51 105,00 105,92 107,56 109,04 109,64 110,36 110,67

DATA POSITION FROM

16.32 16.32 14.68 31.01 16.57 47.58 9.91 57.48 11.55 69.04 7.14 76.18 5.03 81.20 4.46 85.66 2.72 88.38 1.55 89.93 1.21 91.15 1.38 92.53 1.01 93.54 1.34 94.88 0.83 95.70 1.48 97.19 1.34 98.53 0.54 99.07 0.65 99.72 0.28 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

12,488.62 3,207.36 5,968.52 6,010.79 10,375.26 8,864.78 8,686.48 12,134.79 8,174.62 5,511.25 6,195.34 7,817.23 6,260.38 10,898.32 8,334.43 21,436.90 21,197.72 9,801.56 8,771.14 4,844.01

66 12 8 9 21 17 13 20 11 13 26 12 22 25 17 41 67 46 64 25

186,979.52

12,488.62 6.68 6.68 15,695.99 1.72 8.39 21,664.51 3.19 11.59 27,675.30 3.21 14.80 38,050.56 5.55 20.35 46,915.34 4.74 25.09 55,601.82 4.65 29.74 67,736.61 6.49 36.23 75,911.23 4.37 40.60 81,422.48 2.95 43.55 87,617.82 3.31 46.86 95,435.05 4.18 51.04 101,695.43 3.35 54.39 112,593.75 5.83 60.22 120,928.18 4.46 64.67 142,365.08 11.46 76.14 163,562.80 11.34 87.48 173,364.36 5.24 92.72 182,135.50 4.69 97.41 186,979.52 2.59 100.00

535

66 12.34 12.34 78 2.24 14.58 86 1.50 16.07 95 1.68 17.76 116 3.93 21.68 133 3.18 24.86 146 2.43 27.29 166 3.74 31.03 177 2.06 33.08 190 2.43 35.51 216 4.86 40.37 228 2.24 42.62 250 4.11 46.73 275 4.67 51.40 292 3.18 54.58 333 7.66 62.24 400 12.52 74.77 446 8.60 83.36 510 11.96 95.33 535 4.67 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 69,124.41 1,849.22 181.88 332.68 1,460.02 2,420.82 1,964.41 6,264.91 4,363.79 3,543.03 13,302.07 5,443.63 10,138.48 16,056.11 1,764.98 39,320.86 74,442.46 7,967.29 10,407.52 9,526.89 279,875.48

69,124.41 24.70 70,973.63 0.66 71,155.51 0.06 71,488.19 0.12 72,948.21 0.52 75,369.03 0.86 77,333.44 0.70 83,598.35 2.24 87,962.14 1.56 91,505.17 1.27 104,807.24 4.75 110,250.87 1.95 120,389.36 3.62 136,445.47 5.74 138,210.45 0.63 177,531.31 14.05 251,973.76 26.60 259,941.06 2.85 270,348.58 3.72 279,875.48 3.40

24.70 25.36 25.42 25.54 26.06 26.93 27.63 29.87 31.43 32.69 37.45 39.39 43.02 48.75 49.38 63.43 90.03 92.88 96.60 100.00

553.50 57.66 3.05 5.53 14.07 27.31 22.61 51.63 53.38 64.29 214.71 69.64 161.95 147.33 21.18 183.43 351.18 81.29 118.66 196.67

553.50 452.18 328.44 258.31 191.71 160.65 139.08 123.42 115.88 112.38 119.62 115.52 118.38 121.18 114.29 124.70 154.05 149.94 148.43 149.68

149.68

Page 83 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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,257 8,019 7,970 2,796 2,279 823 546 362 188 122 91 94 56 81 33 91 65 44 37 4 28,958

5,257 18.15 13,276 27.69 21,246 27.52 24,042 9.66 26,321 7.87 27,144 2.84 27,690 1.89 28,052 1.25 28,240 0.65 28,362 0.42 28,453 0.31 28,547 0.32 28,603 0.19 28,684 0.28 28,717 0.11 28,808 0.31 28,873 0.22 28,917 0.15 28,954 0.13 28,958 0.01

18.15 45.85 73.37 83.02 90.89 93.74 95.62 96.87 97.52 97.94 98.26 98.58 98.77 99.05 99.17 99.48 99.71 99.86 99.99 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,939.55 4,043.33 7,956.58 4,524.88 5,278.48 2,619.94 2,108.61 1,627.55 985.35 624.08 709.83 753.84 468.84 895.13 379.21 2,190.33 1,031.56 242.90 1,286.89 57.15 40,724.03

2,939.55 7.22 7.22 6,982.88 9.93 17.15 14,939.46 19.54 36.68 19,464.33 11.11 47.80 24,742.82 12.96 60.76 27,362.76 6.43 67.19 29,471.36 5.18 72.37 31,098.91 4.00 76.37 32,084.27 2.42 78.78 32,708.35 1.53 80.32 33,418.18 1.74 82.06 34,172.02 1.85 83.91 34,640.86 1.15 85.06 35,535.99 2.20 87.26 35,915.20 0.93 88.19 38,105.53 5.38 93.57 39,137.09 2.53 96.10 39,379.98 0.60 96.70 40,666.87 3.16 99.86 40,724.03 0.14 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 17 25 9 7 4 3 2 1 1 0 1 0 0 0 0 3 0 2 0 81

6 7.41 7.41 23 20.99 28.40 48 30.86 59.26 57 11.11 70.37 64 8.64 79.01 68 4.94 83.95 71 3.70 87.65 73 2.47 90.12 74 1.23 91.36 75 1.23 92.59 75 0.00 92.59 76 1.23 93.83 76 0.00 93.83 76 0.00 93.83 76 0.00 93.83 76 0.00 93.83 79 3.70 97.53 79 0.00 97.53 81 2.47 100.00 81 0.00 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 232.44 1,488.19 2,680.17 1,763.38 1,686.36 1,635.62 847.16 1,371.86 1,383.28 1,899.39 0.00 3,610.08 0.00 0.00 0.00 0.00 150.17 0.00 4.27 0.00 18,752.37

232.44 1.24 1,720.63 7.94 4,400.80 14.29 6,164.19 9.40 7,850.54 8.99 9,486.16 8.72 10,333.33 4.52 11,705.18 7.32 13,088.46 7.38 14,987.85 10.13 14,987.85 0.00 18,597.93 19.25 18,597.93 0.00 18,597.93 0.00 18,597.93 0.00 18,597.93 0.00 18,748.10 0.80 18,748.10 0.00 18,752.37 0.02 18,752.37 0.00

1.24 7.91 9.18 36.81 23.47 33.68 32.87 38.97 41.86 31.95 50.59 62.43 55.10 40.18 62.42 84.29 69.80 140.38 79.93 304.35 79.93 0.00 99.18 478.89 99.18 0.00 99.18 0.00 99.18 0.00 99.18 0.00 99.98 14.56 99.98 0.00 100.00 0.33 100.00 0.00

7.91 24.64 29.46 31.67 31.73 34.67 35.06 37.64 40.79 45.82 44.85 54.42 53.69 52.34 51.78 48.81 47.90 47.61 46.11 46.05

46.05

Page 84 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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,712 1,869 1,480 691 761 325 202 170 95 46 34 37 21 27 14 43 31 30 21 12 7,621

1,712 22.46 3,581 24.52 5,061 19.42 5,752 9.07 6,513 9.99 6,838 4.26 7,040 2.65 7,210 2.23 7,305 1.25 7,351 0.60 7,385 0.45 7,422 0.49 7,443 0.28 7,470 0.35 7,484 0.18 7,527 0.56 7,558 0.41 7,588 0.39 7,609 0.28 7,621 0.16

22.46 46.99 66.41 75.48 85.46 89.73 92.38 94.61 95.85 96.46 96.90 97.39 97.66 98.02 98.20 98.77 99.17 99.57 99.84 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 592.09 666.52 1,054.54 741.02 1,303.79 815.52 618.08 728.52 502.88 243.60 173.11 261.91 153.13 231.43 227.96 758.01 711.41 642.34 512.79 102.10 11,040.75

592.09 5.36 5.36 1,258.61 6.04 11.40 2,313.15 9.55 20.95 3,054.17 6.71 27.66 4,357.96 11.81 39.47 5,173.48 7.39 46.86 5,791.57 5.60 52.46 6,520.09 6.60 59.05 7,022.97 4.55 63.61 7,266.56 2.21 65.82 7,439.67 1.57 67.38 7,701.58 2.37 69.76 7,854.71 1.39 71.14 8,086.13 2.10 73.24 8,314.10 2.06 75.30 9,072.11 6.87 82.17 9,783.52 6.44 88.61 10,425.86 5.82 94.43 10,938.65 4.64 99.08 11,040.75 0.92 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 24 1 1 1 1 1 1 1 3 0 0 0 0 0 4 4 12 7 5 6 72

24 33.33 33.33 25 1.39 34.72 26 1.39 36.11 27 1.39 37.50 28 1.39 38.89 29 1.39 40.28 30 1.39 41.67 31 1.39 43.06 34 4.17 47.22 34 0.00 47.22 34 0.00 47.22 34 0.00 47.22 34 0.00 47.22 34 0.00 47.22 38 5.56 52.78 42 5.56 58.33 54 16.67 75.00 61 9.72 84.72 66 6.94 91.67 72 8.33 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 542.93 85.00 60.85 103.23 0.00 36.00 150.00 3.82 110.98 0.00 0.00 0.00 0.00 0.00 195.30 328.13 278.85 889.34 48.59 9,074.19 11,907.19

542.93 4.56 627.93 0.71 688.78 0.51 792.00 0.87 792.00 0.00 828.00 0.30 978.00 1.26 981.82 0.03 1,092.80 0.93 1,092.80 0.00 1,092.80 0.00 1,092.80 0.00 1,092.80 0.00 1,092.80 0.00 1,288.10 1.64 1,616.23 2.76 1,895.07 2.34 2,784.42 7.47 2,833.01 0.41 11,907.19 76.21

4.56 91.70 91.70 5.27 12.75 49.89 5.78 5.77 29.78 6.65 13.93 25.93 6.65 0.00 18.17 6.95 4.41 16.00 8.21 24.27 16.89 8.25 0.52 15.06 9.18 22.07 15.56 9.18 0.00 15.04 9.18 0.00 14.69 9.18 0.00 14.19 9.18 0.00 13.91 9.18 0.00 13.51 10.82 85.67 15.49 13.57 43.29 17.82 15.92 39.20 19.37 23.38 138.45 26.71 23.79 9.48 25.90 100.00 8887.5 107.85 107.85

Page 85 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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,691 2,774 3,282 1,649 1,556 852 476 423 206 150 93 128 64 91 71 103 62 60 57 29 14,817

2,691 5,465 8,747 10,396 11,952 12,804 13,280 13,703 13,909 14,059 14,152 14,280 14,344 14,435 14,506 14,609 14,671 14,731 14,788 14,817

18.16 18.72 22.15 11.13 10.50 5.75 3.21 2.85 1.39 1.01 0.63 0.86 0.43 0.61 0.48 0.70 0.42 0.40 0.38 0.20

18.16 36.88 59.03 70.16 80.66 86.41 89.63 92.48 93.87 94.88 95.51 96.38 96.81 97.42 97.90 98.60 99.01 99.42 99.80 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,131.77 763.88 1,432.24 1,096.37 1,727.16 1,401.31 1,064.52 1,172.71 834.06 750.61 454.35 732.98 438.05 1,261.99 562.84 1,599.34 1,166.36 602.20 923.06 423.56 19,539.34

1,131.77 1,895.64 3,327.89 4,424.26 6,151.42 7,552.73 8,617.25 9,789.96 10,624.02 11,374.62 11,828.97 12,561.95 13,000.00 14,261.99 14,824.83 16,424.17 17,590.52 18,192.72 19,115.78 19,539.34

5.79 5.79 3.91 9.70 7.33 17.03 5.61 22.64 8.84 31.48 7.17 38.65 5.45 44.10 6.00 50.10 4.27 54.37 3.84 58.21 2.33 60.54 3.75 64.29 2.24 66.53 6.46 72.99 2.88 75.87 8.19 84.06 5.97 90.03 3.08 93.11 4.72 97.83 2.17 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 6 8 4 0 4 1 1 1 0 0 1 0 1 0 0 0 2 1 6 0 36

6 14 18 18 22 23 24 25 25 25 26 26 27 27 27 27 29 30 36 36

16.67 16.67 22.22 38.89 11.11 50.00 0.00 50.00 11.11 61.11 2.78 63.89 2.78 66.67 2.78 69.44 0.00 69.44 0.00 69.44 2.78 72.22 0.00 72.22 2.78 75.00 0.00 75.00 0.00 75.00 0.00 75.00 5.56 80.56 2.78 83.33 16.67 100.00 0.00 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 277.66 284.53 384.48 0.00 431.71 171.86 -10 29.10 0.00 0.00 87.00 0.00 4,636.60 0.00 0.00 0.00 405.15 372.41 1,532.30 0.00 8,602.79

277.66 3.23 562.19 3.31 946.67 4.47 946.67 0.00 1,378.38 5.02 1,550.23 2.00 1,540.23 -0.12 1,569.33 0.34 1,569.33 0.00 1,569.33 0.00 1,656.33 1.01 1,656.33 0.00 6,292.94 53.90 6,292.94 0.00 6,292.94 0.00 6,292.94 0.00 6,698.09 4.71 7,070.49 4.33 8,602.79 17.81 8,602.79 0.00

3.23 24.53 6.53 37.25 11.00 26.84 11.00 0.00 16.02 25.00 18.02 12.26 17.90 -0.94 18.24 2.48 18.24 0.00 18.24 0.00 19.25 19.15 19.25 0.00 73.15 1058.4 73.15 0.00 73.15 0.00 73.15 0.00 77.86 34.74 82.19 61.84 100.00 166.00 100.00 0.00

24.53 29.66 28.45 21.40 22.41 20.53 17.87 16.03 14.77 13.80 14.00 13.19 48.41 44.12 42.45 38.32 38.08 38.86 45.00 44.03

44.03

Page 86 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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,949 3,087 4,418 2,888 3,407 1,722 1,267 933 506 220 192 212 136 196 103 164 140 60 76 61 22,737

2,949 6,036 10,454 13,342 16,749 18,471 19,738 20,671 21,177 21,397 21,589 21,801 21,937 22,133 22,236 22,400 22,540 22,600 22,676 22,737

12.97 13.58 19.43 12.70 14.98 7.57 5.57 4.10 2.23 0.97 0.84 0.93 0.60 0.86 0.45 0.72 0.62 0.26 0.33 0.27

12.97 26.55 45.98 58.68 73.66 81.24 86.81 90.91 93.14 94.11 94.95 95.88 96.48 97.34 97.80 98.52 99.13 99.40 99.73 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 31,677.38 1,196.47 2,412.26 2,601.69 4,384.64 3,826.27 4,101.52 3,586.26 2,808.60 1,130.86 1,209.93 1,661.52 1,307.12 1,812.08 1,155.85 3,523.06 3,108.76 1,929.15 4,641.83 14,559.51 92,634.75

31,677.38 34.20 34.20 32,873.86 1.29 35.49 35,286.11 2.60 38.09 37,887.80 2.81 40.90 42,272.44 4.73 45.63 46,098.71 4.13 49.76 50,200.23 4.43 54.19 53,786.48 3.87 58.06 56,595.08 3.03 61.09 57,725.94 1.22 62.32 58,935.88 1.31 63.62 60,597.40 1.79 65.42 61,904.52 1.41 66.83 63,716.60 1.96 68.78 64,872.45 1.25 70.03 68,395.51 3.80 73.83 71,504.26 3.36 77.19 73,433.42 2.08 79.27 78,075.24 5.01 84.28 92,634.75 15.72 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 16 6 6 6 4 10 3 1 5 1 0 0 1 1 1 5 10 0 16 4 96

16 22 28 34 38 48 51 52 57 58 58 58 59 60 61 66 76 76 92 96

01/01/2008

15/12/2010

DATE

15/03/2011

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

16.67 16.67 10,716.38 6.25 22.92 223.75 6.25 29.17 516.50 6.25 35.42 571.97 4.17 39.58 108.93 10.42 50.00 1,899.55 3.13 53.13 231.41 1.04 54.17 280.65 5.21 59.38 149.07 1.04 60.42 12.03 0.00 60.42 0.00 0.00 60.42 0.00 1.04 61.46 250.06 1.04 62.50 1.01 1.04 63.54 33.52 5.21 68.75 34.16 10.42 79.17 288.80 0.00 79.17 0.00 16.67 95.83 1,630.65 4.17 100.00 117.04 17,065.47

10,716.38 62.80 10,940.14 1.31 11,456.64 3.03 12,028.61 3.35 12,137.53 0.64 14,037.08 11.13 14,268.49 1.36 14,549.14 1.64 14,698.21 0.87 14,710.24 0.07 14,710.24 0.00 14,710.24 0.00 14,960.29 1.47 14,961.30 0.01 14,994.82 0.20 15,028.98 0.20 15,317.78 1.69 15,317.78 0.00 16,948.43 9.56 17,065.47 0.69

62.80 64.11 67.13 70.49 71.12 82.25 83.61 85.25 86.13 86.20 86.20 86.20 87.66 87.67 87.87 88.07 89.76 89.76 99.31 100.00

33.83 18.70 21.41 21.98 2.48 49.64 5.64 7.83 5.31 1.06 0.00 0.00 19.13 0.06 2.90 0.97 9.29 0.00 35.13 0.80

33.83 33.28 32.47 31.75 28.71 30.45 28.42 27.05 25.97 25.48 24.96 24.28 24.17 23.48 23.11 21.97 21.42 20.86 21.71 18.42

18.42

Page 87 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,369 1,617 2,176 1,188 1,307 727 558 491 266 148 82 124 59 107 68 70 30 10 7 3 11,323

1,369 2,986 5,162 6,350 7,657 8,384 8,942 9,433 9,699 9,847 9,929 10,053 10,112 10,219 10,287 10,357 10,387 10,397 10,404 10,407

13.15 15.54 20.91 11.42 12.56 6.99 5.36 4.72 2.56 1.42 0.79 1.19 0.57 1.03 0.65 0.67 0.29 0.10 0.07 0.03

DATA POSITION FROM

13.15 28.69 49.60 61.02 73.58 80.56 85.92 90.64 93.20 94.62 95.41 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. 397.61 385.75 814.29 723.39 1,353.89 1,301.25 1,350.79 1,579.12 1,153.79 713.86 383.99 762.29 523.49 918.25 815.60 804.66 357.72 245.96 69.46 41.16 27,680.51

397.61 2.71 2.71 783.36 2.62 5.33 1,597.64 5.54 10.87 2,321.03 4.92 15.79 3,674.93 9.21 25.01 4,976.17 8.85 33.86 6,326.96 9.19 43.05 7,906.08 10.74 53.80 9,059.86 7.85 61.65 9,773.73 4.86 66.50 10,157.72 2.61 69.12 10,920.01 5.19 74.30 11,443.49 3.56 77.87 12,361.74 6.25 84.11 13,177.35 5.55 89.66 13,982.01 5.48 95.14 14,339.72 2.43 97.57 14,585.69 1.67 99.25 14,655.14 0.47 99.72 14,696.30 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 29

3 3 6 11 14 15 15 16 16 17 18 18 18 18 18 20 20 21 21 22

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 62.75 0.00 5,931.13 351.25 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 5,197.93

62.75 0.66 62.75 0.00 5,993.88 62.12 6,345.13 3.68 7,395.39 11.00 7,415.44 0.21 7,415.44 0.00 7,433.60 0.19 7,433.60 0.00 9,045.03 16.88 9,084.23 0.41 9,084.23 0.00 9,084.23 0.00 9,084.23 0.00 9,084.23 0.00 9,302.20 2.28 9,302.20 0.00 9,497.95 2.05 9,497.95 0.00 9,547.95 0.52

0.66 15.78 15.78 0.66 0.00 8.01 62.78 728.38 375.17 66.46 48.56 273.38 77.46 77.57 201.24 77.67 1.54 149.02 77.67 0.00 117.20 77.86 1.15 94.02 77.86 0.00 82.05 94.73 225.73 92.54 95.14 10.21 89.43 95.14 0.00 83.19 95.14 0.00 79.38 95.14 0.00 73.49 95.14 0.00 68.94 97.43 27.09 66.53 97.43 0.00 64.87 99.48 79.59 65.12 99.48 0.00 64.81 100.00 121.48 64.97 18.78

Page 88 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,489 1,034 1,170 722 767 411 269 277 141 77 61 64 33 59 36 31 35 14 13 2 6,705

1,489 2,523 3,693 4,415 5,182 5,593 5,862 6,139 6,280 6,357 6,418 6,482 6,515 6,574 6,610 6,641 6,676 6,690 6,703 6,705

22.21 15.42 17.45 10.77 11.44 6.13 4.01 4.13 2.10 1.15 0.91 0.95 0.49 0.88 0.54 0.46 0.52 0.21 0.19 0.03

DATA POSITION FROM

22.21 37.63 55.08 65.85 77.29 83.42 87.43 91.56 93.66 94.81 95.72 96.67 97.17 98.05 98.58 99.05 99.57 99.78 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 297.57 343.29 643.85 668.11 1,165.83 968.98 904.70 1,250.73 942.56 449.75 368.25 465.65 393.86 519.72 427.98 901.54 338.00 168.05 118.94 9.30 11,346.65

297.57 2.62 2.62 640.86 3.03 5.65 1,284.71 5.67 11.32 1,952.82 5.89 17.21 3,118.65 10.27 27.49 4,087.63 8.54 36.02 4,992.33 7.97 44.00 6,243.06 11.02 55.02 7,185.61 8.31 63.33 7,635.37 3.96 67.29 8,003.62 3.25 70.54 8,469.27 4.10 74.64 8,863.13 3.47 78.11 9,382.85 4.58 82.69 9,810.82 3.77 86.46 10,712.37 7.95 94.41 11,050.36 2.98 97.39 11,218.41 1.48 98.87 11,337.35 1.05 99.92 11,346.65 0.08 100.00

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

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 2 50.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 3 25.00 75.00 3 0.00 75.00 3 0.00 75.00 3 0.00 75.00 3 0.00 75.00 3 0.00 75.00 3 0.00 75.00 4 25.00 100.00 4 0.00 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 103.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 74.31 0.00 0.00 0.00 0.00 0.00 0.00 1,058.05 0.00 1,235.52

0.00 0.00 0.00 0.00 0.00 0.00 103.16 8.35 103.16 0.00 103.16 0.00 103.16 0.00 103.16 0.00 103.16 0.00 103.16 0.00 103.16 0.00 177.47 6.01 177.47 0.00 177.47 0.00 177.47 0.00 177.47 0.00 177.47 0.00 177.47 0.00 1,235.52 85.64 1,235.52 0.00

0.00 0.00 0.00 0.00 0.00 0.00 8.35 15.44 8.35 0.00 8.35 0.00 8.35 0.00 8.35 0.00 8.35 0.00 8.35 0.00 8.35 0.00 14.36 15.96 14.36 0.00 14.36 0.00 14.36 0.00 14.36 0.00 14.36 0.00 14.36 0.00 100.00 889.60 100.00 0.00

0.00 0.00 0.00 5.28 3.31 2.52 2.07 1.65 1.44 1.35 1.29 2.10 2.00 1.89 1.81 1.66 1.61 1.58 10.90 10.89

10.89

Page 89 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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,007 5,537 6,231 3,451 3,390 1,757 1,046 919 468 289 223 236 177 202 146 162 124 58 66 22 29,511

5,007 10,544 16,775 20,226 23,616 25,373 26,419 27,338 27,806 28,095 28,318 28,554 28,731 28,933 29,079 29,241 29,365 29,423 29,489 29,511

16.97 18.76 21.11 11.69 11.49 5.95 3.54 3.11 1.59 0.98 0.76 0.80 0.60 0.68 0.49 0.55 0.42 0.20 0.22 0.07

16.97 35.73 56.84 68.54 80.02 85.98 89.52 92.64 94.22 95.20 95.96 96.76 97.36 98.04 98.54 99.09 99.51 99.70 99.93 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,443.14 1,242.72 2,695.81 2,881.38 4,883.37 3,332.83 2,396.11 2,886.20 1,938.99 1,282.25 1,292.71 1,417.56 1,186.13 1,415.95 1,299.21 2,079.29 1,860.25 1,520.37 1,245.30 2,298.65 40,598.21

1,443.14 3.55 3.55 2,685.86 3.06 6.62 5,381.67 6.64 13.26 8,263.04 7.10 20.35 13,146.41 12.03 32.38 16,479.25 8.21 40.59 18,875.36 5.90 46.49 21,761.56 7.11 53.60 23,700.54 4.78 58.38 24,982.79 3.16 61.54 26,275.50 3.18 64.72 27,693.06 3.49 68.21 28,879.19 2.92 71.13 30,295.14 3.49 74.62 31,594.35 3.20 77.82 33,673.64 5.12 82.94 35,533.88 4.58 87.53 37,054.26 3.74 91.27 38,299.56 3.07 94.34 40,598.21 5.66 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 9 4 4 2 3 5 1 1 0 3 2 0 1 2 2 1 1 3 6 2 52

9 17.31 17.31 13 7.69 25.00 17 7.69 32.69 19 3.85 36.54 22 5.77 42.31 27 9.62 51.92 28 1.92 53.85 29 1.92 55.77 29 0.00 55.77 32 5.77 61.54 34 3.85 65.38 34 0.00 65.38 35 1.92 67.31 37 3.85 71.15 39 3.85 75.00 40 1.92 76.92 41 1.92 78.85 44 5.77 84.62 50 11.54 96.15 52 3.85 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,235.09 217.51 123.27 416.33 610.67 256.99 78.18 51.96 0.00 276.69 320.54 0.00 3,819.54 2,986.76 50.86 100.42 76.58 38.42 2,566.50 517.30 14,743.61

2,235.09 2,452.61 2,575.88 2,992.21 3,602.88 3,859.88 3,938.05 3,990.01 3,990.01 4,266.70 4,587.24 4,587.24 8,406.78 11,393.54 11,444.40 11,544.82 11,621.40 11,659.82 14,226.32 14,743.61

15.16 1.48 0.84 2.82 4.14 1.74 0.53 0.35 0.00 1.88 2.17 0.00 25.91 20.26 0.34 0.68 0.52 0.26 17.41 3.51

15.16 16.64 17.47 20.29 24.44 26.18 26.71 27.06 27.06 28.94 31.11 31.11 57.02 77.28 77.62 78.30 78.82 79.08 96.49 100.00

154.88 154.88 17.50 91.32 4.57 47.86 14.45 36.21 12.51 27.41 7.71 23.42 3.26 20.86 1.80 18.34 0.00 16.84 21.58 17.08 24.80 17.46 0.00 16.56 322.02 29.11 210.94 37.61 3.91 36.22 4.83 34.28 4.12 32.71 2.53 31.47 206.09 37.14 22.50 36.32 36.32

Page 90 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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 687 821 1,010 577 593 326 215 182 79 37 15 28 32 23 3 22 15 3 1 2 4,671

687 1,508 2,518 3,095 3,688 4,014 4,229 4,411 4,490 4,527 4,542 4,570 4,602 4,625 4,628 4,650 4,665 4,668 4,669 4,671

14.71 17.58 21.62 12.35 12.70 6.98 4.60 3.90 1.69 0.79 0.32 0.60 0.69 0.49 0.06 0.47 0.32 0.06 0.02 0.04

14.71 32.28 53.91 66.26 78.96 85.93 90.54 94.43 96.13 96.92 97.24 97.84 98.52 99.02 99.08 99.55 99.87 99.94 99.96 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 159.42 162.42 402.47 467.94 859.41 693.16 612.67 649.25 390.29 162.89 98.14 244.15 169.45 118.72 43.94 143.81 271.97 49.60 1.27 75.10 5,776.07

159.42 321.84 724.30 1,192.25 2,051.66 2,744.82 3,357.48 4,006.73 4,397.02 4,559.91 4,658.05 4,902.20 5,071.65 5,190.37 5,234.32 5,378.13 5,650.10 5,699.70 5,700.98 5,776.07

2.76 2.76 2.81 5.57 6.97 12.54 8.10 20.64 14.88 35.52 12.00 47.52 10.61 58.13 11.24 69.37 6.76 76.12 2.82 78.94 1.70 80.64 4.23 84.87 2.93 87.80 2.06 89.86 0.76 90.62 2.49 93.11 4.71 97.82 0.86 98.68 0.02 98.70 1.30 100.00

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

15/12/2010

DATE

15/03/2011

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 0.00 106.33 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 4,502.09

0.00 0.00 153.23 3.40 459.82 6.81 638.88 3.98 647.76 0.20 647.76 0.00 754.09 2.36 754.09 0.00 754.09 0.00 852.09 2.18 852.09 0.00 4,502.09 81.07 4,502.09 0.00 4,502.09 0.00 4,502.09 0.00 4,502.09 0.00 4,502.09 0.00 4,502.09 0.00 4,502.09 0.00 4,502.09 0.00

0.00 0.00 3.40 94.34 10.21 76.18 14.19 38.26 14.39 1.03 14.39 0.00 16.75 17.36 16.75 0.00 16.75 0.00 18.93 60.16 18.93 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 47.61 63.48 53.59 31.57 23.60 22.46 18.82 17.15 18.69 18.29 91.84 88.77 86.74 86.01 83.71 79.68 78.99 78.97 77.94

77.94

Page 91 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,594 2,996 3,464 2,441 2,742 1,712 1,543 1,359 913 509 385 453 258 341 178 296 208 72 81 47 23,592

DATA POSITION FROM

3,594 6,590 10,054 12,495 15,237 16,949 18,492 19,851 20,764 21,273 21,658 22,111 22,369 22,710 22,888 23,184 23,392 23,464 23,545 23,592

15.23 12.70 14.68 10.35 11.62 7.26 6.54 5.76 3.87 2.16 1.63 1.92 1.09 1.45 0.75 1.25 0.88 0.31 0.34 0.20

15.23 27.93 42.62 52.96 64.59 71.84 78.38 84.14 88.01 90.17 91.80 93.72 94.82 96.26 97.02 98.27 99.15 99.46 99.80 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,089.19 716.08 1,131.36 1,336.06 2,495.19 4,962.73 2,815.28 3,101.52 2,639.64 1,858.87 1,476.60 2,366.80 1,575.91 2,636.55 1,743.58 3,543.20 2,664.24 1,038.53 1,118.81 1,541.05 42,851.19

2,089.19 4.88 4.88 2,805.27 1.67 6.55 3,936.63 2.64 9.19 5,272.69 3.12 12.30 7,767.88 5.82 18.13 12,730.61 11.58 29.71 15,545.90 6.57 36.28 18,647.42 7.24 43.52 21,287.06 6.16 49.68 23,145.92 4.34 54.01 24,622.52 3.45 57.46 26,989.32 5.52 62.98 28,565.22 3.68 66.66 31,201.78 6.15 72.81 32,945.36 4.07 76.88 36,488.56 8.27 85.15 39,152.80 6.22 91.37 40,191.33 2.42 93.79 41,310.14 2.61 96.40 42,851.19 3.60 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 12 1 2 5 3 5 15 7 16 7 3 15 3 6 0 13 13 8 12 12 158

12 7.59 7.59 13 0.63 8.23 15 1.27 9.49 20 3.16 12.66 23 1.90 14.56 28 3.16 17.72 43 9.49 27.22 50 4.43 31.65 66 10.13 41.77 73 4.43 46.20 76 1.90 48.10 91 9.49 57.59 94 1.90 59.49 100 3.80 63.29 100 0.00 63.29 113 8.23 71.52 126 8.23 79.75 134 5.06 84.81 146 7.59 92.41 158 7.59 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 566.05 0.00 60.73 173.00 396.79 785.49 1,533.79 147.57 850.60 210.71 40.52 591.49 40.18 40.77 0.00 1,432.93 422.86 334.79 1,290.87 507.20 9,426.32

566.05 6.01 566.05 0.00 626.78 0.64 799.78 1.84 1,196.57 4.21 1,982.06 8.33 3,515.85 16.27 3,663.42 1.57 4,514.02 9.02 4,724.72 2.24 4,765.25 0.43 5,356.74 6.27 5,396.92 0.43 5,437.68 0.43 5,437.68 0.00 6,870.61 15.20 7,293.46 4.49 7,628.25 3.55 8,919.12 13.69 9,426.32 5.38

6.01 27.09 6.01 0.00 6.65 5.37 8.48 12.95 12.69 15.90 21.03 15.83 37.30 54.48 38.86 4.76 47.89 32.22 50.12 11.34 50.55 2.74 56.83 24.99 57.25 2.55 57.69 1.55 57.69 0.00 72.89 40.44 77.37 15.87 80.93 32.24 94.62 115.38 100.00 32.91

27.09 20.18 15.92 15.17 15.40 15.57 22.62 19.65 21.21 20.41 19.35 19.85 18.89 17.43 16.51 18.83 18.63 18.98 21.59 22.00

22.00

Page 92 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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,108 1,336 1,437 752 662 377 221 199 103 44 49 53 41 38 15 31 10 10 7 2 6,495

1,108 2,444 3,881 4,633 5,295 5,672 5,893 6,092 6,195 6,239 6,288 6,341 6,382 6,420 6,435 6,466 6,476 6,486 6,493 6,495

17.06 20.57 22.12 11.58 10.19 5.80 3.40 3.06 1.59 0.68 0.75 0.82 0.63 0.59 0.23 0.48 0.15 0.15 0.11 0.03

17.06 37.63 59.75 71.33 81.52 87.33 90.73 93.80 95.38 96.06 96.81 97.63 98.26 98.85 99.08 99.55 99.71 99.86 99.97 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 294.97 334.71 720.81 618.78 868.61 748.27 615.41 538.80 391.14 184.47 307.17 329.72 394.95 385.05 122.51 902.36 100.50 86.83 74.83 20.21 8,040.11

294.97 3.67 3.67 629.68 4.16 7.83 1,350.49 8.97 16.80 1,969.27 7.70 24.49 2,837.89 10.80 35.30 3,586.16 9.31 44.60 4,201.57 7.65 52.26 4,740.37 6.70 58.96 5,131.50 4.86 63.82 5,315.97 2.29 66.12 5,623.14 3.82 69.94 5,952.86 4.10 74.04 6,347.81 4.91 78.95 6,732.87 4.79 83.74 6,855.38 1.52 85.26 7,757.73 11.22 96.49 7,858.24 1.25 97.74 7,945.07 1.08 98.82 8,019.90 0.93 99.75 8,040.11 0.25 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 1 1 2 1 5 2 0 4 0 0 0 0 0 1 82 0 0 0 0 99

0 0.00 0.00 1 1.01 1.01 2 1.01 2.02 4 2.02 4.04 5 1.01 5.05 10 5.05 10.10 12 2.02 12.12 12 0.00 12.12 16 4.04 16.16 16 0.00 16.16 16 0.00 16.16 16 0.00 16.16 16 0.00 16.16 16 0.00 16.16 17 1.01 17.17 99 82.83 100.00 99 0.00 100.00 99 0.00 100.00 99 0.00 100.00 99 0.00 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 7.56 92.27 40.99 172.73 24.31 14.02 0.00 49.26 0.00 0.00 0.00 0.00 0.00 248.35 1,428.71 0.00 0.00 0.00 0.00 2,078.19

0.00 0.00 7.56 0.36 99.83 4.44 140.82 1.97 313.55 8.31 337.86 1.17 351.87 0.67 351.87 0.00 401.13 2.37 401.13 0.00 401.13 0.00 401.13 0.00 401.13 0.00 401.13 0.00 649.48 11.95 2,078.19 68.75 2,078.19 0.00 2,078.19 0.00 2,078.19 0.00 2,078.19 0.00

0.00 0.00 0.36 2.26 4.80 12.80 6.78 6.62 15.09 19.89 16.26 3.25 16.93 2.28 16.93 0.00 19.30 12.59 19.30 0.00 19.30 0.00 19.30 0.00 19.30 0.00 19.30 0.00 31.25 202.72 100.00 158.33 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

0.00 1.20 7.39 7.15 11.05 9.42 8.37 7.42 7.82 7.55 7.13 6.74 6.32 5.96 9.47 26.79 26.45 26.16 25.91 25.85

25.85

Page 93 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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 721 833 1,026 578 621 443 248 193 111 61 39 38 20 33 8 11 9 3 1 1 4,998

721 1,554 2,580 3,158 3,779 4,222 4,470 4,663 4,774 4,835 4,874 4,912 4,932 4,965 4,973 4,984 4,993 4,996 4,997 4,998

14.43 16.67 20.53 11.56 12.42 8.86 4.96 3.86 2.22 1.22 0.78 0.76 0.40 0.66 0.16 0.22 0.18 0.06 0.02 0.02

14.43 31.09 51.62 63.19 75.61 84.47 89.44 93.30 95.52 96.74 97.52 98.28 98.68 99.34 99.50 99.72 99.90 99.96 99.98 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 154.59 243.54 531.14 537.94 1,058.08 1,009.95 818.62 852.71 624.76 345.46 219.18 329.33 156.47 187.14 43.58 89.50 218.40 391.08 -1.39 -0.53 7,809.53

154.59 398.12 929.26 1,467.20 2,525.27 3,535.23 4,353.84 5,206.55 5,831.31 6,176.76 6,395.95 6,725.27 6,881.74 7,068.88 7,112.46 7,201.96 7,420.36 7,811.45 7,810.06 7,809.53

1.98 1.98 3.12 5.10 6.80 11.90 6.89 18.79 13.55 32.34 12.93 45.27 10.48 55.75 10.92 66.67 8.00 74.67 4.42 79.09 2.81 81.90 4.22 86.12 2.00 88.12 2.40 90.52 0.56 91.07 1.15 92.22 2.80 95.02 5.01 100.02 -0.02 100.01 -0.01 100.00

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

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

0.00 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 25.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 25.00 25.00 50.00 50.00 50.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 90.70 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 0.00 350.77

0.00 0.00 0.00 0.00 90.70 25.86 90.70 0.00 306.99 61.66 306.99 0.00 306.99 0.00 334.62 7.88 334.62 0.00 334.62 0.00 334.62 0.00 334.62 0.00 334.62 0.00 334.62 0.00 350.77 4.61 350.77 0.00 350.77 0.00 350.77 0.00 350.77 0.00 350.77 0.00

0.00 0.00 25.86 25.86 87.52 87.52 87.52 95.39 95.39 95.39 95.39 95.39 95.39 95.39 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 17.08 0.00 20.44 0.00 0.00 3.24 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 9.76 6.18 12.16 8.68 7.05 6.43 5.74 5.42 5.23 4.98 4.86 4.73 4.93 4.87 4.73 4.49 4.49 4.49

4.49

Page 94 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 177 295 298 185 219 116 107 97 43 26 24 17 14 17 11 22 10 1 2 2 1,683

177 472 770 955 1,174 1,290 1,397 1,494 1,537 1,563 1,587 1,604 1,618 1,635 1,646 1,668 1,678 1,679 1,681 1,683

DATA POSITION FROM

10.52 17.53 17.71 10.99 13.01 6.89 6.36 5.76 2.55 1.54 1.43 1.01 0.83 1.01 0.65 1.31 0.59 0.06 0.12 0.12

10.52 28.05 45.75 56.74 69.76 76.65 83.01 88.77 91.33 92.87 94.30 95.31 96.14 97.15 97.80 99.11 99.70 99.76 99.88 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 53.26 73.20 183.31 162.20 387.63 268.46 382.38 443.73 237.61 151.24 148.36 92.03 176.24 184.32 98.65 186.40 90.65 11.45 0.99 13.33 3,345.43

53.26 1.59 1.59 126.46 2.19 3.78 309.77 5.48 9.26 471.97 4.85 14.11 859.60 11.59 25.69 1,128.06 8.02 33.72 1,510.44 11.43 45.15 1,954.17 13.26 58.41 2,191.78 7.10 65.52 2,343.01 4.52 70.04 2,491.37 4.43 74.47 2,583.40 2.75 77.22 2,759.64 5.27 82.49 2,943.96 5.51 88.00 3,042.61 2.95 90.95 3,229.01 5.57 96.52 3,319.66 2.71 99.23 3,331.11 0.34 99.57 3,332.10 0.03 99.60 3,345.43 0.40 100.00

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

01/01/2008

15/12/2010

DATE

15/03/2011

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 95 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 701 640 972 697 756 440 302 260 155 88 60 79 39 60 25 31 26 5 9 0 5,345

701 1,341 2,313 3,010 3,766 4,206 4,508 4,768 4,923 5,011 5,071 5,150 5,189 5,249 5,274 5,305 5,331 5,336 5,345 5,345

DATA POSITION FROM

13.12 11.97 18.19 13.04 14.14 8.23 5.65 4.86 2.90 1.65 1.12 1.48 0.73 1.12 0.47 0.58 0.49 0.09 0.17 0.00

13.12 25.09 43.27 56.31 70.46 78.69 84.34 89.20 92.10 93.75 94.87 96.35 97.08 98.20 98.67 99.25 99.74 99.83 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 257.04 170.17 439.72 594.29 1,108.76 1,125.34 1,116.38 1,325.17 955.07 660.20 479.86 638.37 503.73 733.83 441.45 302.50 252.66 98.54 166.72 0.00 11,369.81

257.04 2.26 2.26 427.21 1.50 3.76 866.93 3.87 7.62 1,461.22 5.23 12.85 2,569.98 9.75 22.60 3,695.32 9.90 32.50 4,811.70 9.82 42.32 6,136.87 11.66 53.98 7,091.94 8.40 62.38 7,752.14 5.81 68.18 8,232.00 4.22 72.40 8,870.37 5.61 78.02 9,374.10 4.43 82.45 10,107.94 6.45 88.90 10,549.39 3.88 92.78 10,851.88 2.66 95.44 11,104.55 2.22 97.67 11,203.09 0.87 98.53 11,369.81 1.47 100.00 11,369.81 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 4 1 1 1 1 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 9

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

44.44 11.11 11.11 11.11 11.11 0.00 0.00 0.00 0.00 0.00 0.00 11.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

44.44 55.56 66.67 77.78 88.89 88.89 88.89 88.89 88.89 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

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 1,891.27 50.72 2.00 237.78 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 2,242.52

1,891.27 84.34 1,941.99 2.26 1,943.99 0.09 2,181.77 10.60 2,219.83 1.70 2,219.83 0.00 2,219.83 0.00 2,219.83 0.00 2,219.83 0.00 2,219.83 0.00 2,219.83 0.00 2,242.52 1.01 2,242.52 0.00 2,242.52 0.00 2,242.52 0.00 2,242.52 0.00 2,242.52 0.00 2,242.52 0.00 2,242.52 0.00 2,242.52 0.00

84.34 735.80 735.80 86.60 29.80 454.57 86.69 0.45 224.24 97.29 40.01 149.31 98.99 3.43 86.38 98.99 0.00 60.07 98.99 0.00 46.13 98.99 0.00 36.17 98.99 0.00 31.30 98.99 0.00 28.64 98.99 0.00 26.97 100.00 3.55 25.28 100.00 0.00 23.92 100.00 0.00 22.19 100.00 0.00 21.26 100.00 0.00 20.66 100.00 0.00 20.19 100.00 0.00 20.02 100.00 0.00 19.72 100.00 0.00 19.72 19.72

Page 96 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 131 162 211 85 127 100 93 93 59 34 8 16 16 15 3 4 1 1 7 0 1,166

131 293 504 589 716 816 909 1,002 1,061 1,095 1,103 1,119 1,135 1,150 1,153 1,157 1,158 1,159 1,166 1,166

11.23 13.89 18.10 7.29 10.89 8.58 7.98 7.98 5.06 2.92 0.69 1.37 1.37 1.29 0.26 0.34 0.09 0.09 0.60 0.00

DATA POSITION FROM

11.23 25.13 43.22 50.51 61.41 69.98 77.96 85.93 90.99 93.91 94.60 95.97 97.34 98.63 98.89 99.23 99.31 99.40 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 28.09 36.29 119.32 83.19 202.33 251.74 357.18 463.32 419.84 282.63 72.01 157.19 165.88 206.11 72.21 69.22 2.88 18.78 317.25 0.00 3,325.45

28.09 0.84 0.84 64.38 1.09 1.94 183.70 3.59 5.52 266.89 2.50 8.03 469.22 6.08 14.11 720.96 7.57 21.68 1,078.14 10.74 32.42 1,541.46 13.93 46.35 1,961.29 12.62 58.98 2,243.92 8.50 67.48 2,315.94 2.17 69.64 2,473.12 4.73 74.37 2,639.01 4.99 79.36 2,845.11 6.20 85.56 2,917.32 2.17 87.73 2,986.54 2.08 89.81 2,989.41 0.09 89.89 3,008.20 0.56 90.46 3,325.45 9.54 100.00 3,325.45 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

15/12/2010

DATE

15/03/2011

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 97 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 294 343 505 232 233 152 109 59 67 22 24 20 14 18 11 14 7 3 1 3 2,131

294 637 1,142 1,374 1,607 1,759 1,868 1,927 1,994 2,016 2,040 2,060 2,074 2,092 2,103 2,117 2,124 2,127 2,128 2,131

13.80 16.10 23.70 10.89 10.93 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

DATA POSITION FROM

13.80 29.89 53.59 64.48 75.41 82.54 87.66 90.43 93.57 94.60 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 57.64 163.53 147.79 316.50 382.13 344.88 265.17 331.28 142.68 197.11 155.50 146.06 118.74 151.66 279.14 123.97 42.00 2.68 4.32 3,515.85

143.09 4.07 4.07 200.73 1.64 5.71 364.26 4.65 10.36 512.04 4.20 14.56 828.54 9.00 23.57 1,210.67 10.87 34.43 1,555.56 9.81 44.24 1,820.72 7.54 51.79 2,152.00 9.42 61.21 2,294.68 4.06 65.27 2,491.79 5.61 70.87 2,647.29 4.42 75.30 2,793.35 4.15 79.45 2,912.08 3.38 82.83 3,063.74 4.31 87.14 3,342.88 7.94 95.08 3,466.85 3.53 98.61 3,508.85 1.19 99.80 3,511.53 0.08 99.88 3,515.85 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 1 0 0 0 0 3

1 33.33 33.33 1 0.00 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 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

01/01/2008

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 85.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 759.88 0.00 0.00 0.00 0.00 844.91

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 85.03 10.06 85.03 0.00 85.03 0.00 85.03 0.00 85.03 0.00 85.03 0.00 85.03 0.00 85.03 0.00 85.03 0.00 85.03 0.00 85.03 0.00 844.91 89.94 844.91 0.00 844.91 0.00 844.91 0.00 844.91 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.06 26.87 10.06 0.00 10.06 0.00 10.06 0.00 10.06 0.00 10.06 0.00 10.06 0.00 10.06 0.00 10.06 0.00 10.06 0.00 10.06 0.00 100.00 272.23 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

0.00 0.00 0.00 0.00 10.26 7.02 5.47 4.67 3.95 3.71 3.41 3.21 3.04 2.92 2.78 25.28 24.37 24.08 24.06 24.03

24.03

Page 98 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 7,095 7,695 10,632 7,167 7,477 3,662 2,256 1,828 1,083 663 604 695 553 764 492 877 803 379 532 177 55,434

7,095 14,790 25,422 32,589 40,066 43,728 45,984 47,812 48,895 49,558 50,162 50,857 51,410 52,174 52,666 53,543 54,346 54,725 55,257 55,434

DATA POSITION FROM

12.80 12.80 13.88 26.68 19.18 45.86 12.93 58.79 13.49 72.28 6.61 78.88 4.07 82.95 3.30 86.25 1.95 88.20 1.20 89.40 1.09 90.49 1.25 91.74 1.00 92.74 1.38 94.12 0.89 95.01 1.58 96.59 1.45 98.04 0.68 98.72 0.96 99.68 0.32 100.00

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

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

8,471.75 1,699.70 3,456.89 4,114.63 5,666.00 4,372.25 3,693.27 4,165.83 3,474.05 2,508.05 2,542.64 3,672.25 3,483.88 5,861.64 5,038.80 11,046.27 14,751.05 6,425.45 6,221.91 5,266.15

28 9 11 10 14 13 11 13 4 5 11 9 5 15 11 36 28 22 19 15

105,932.4

8,471.75 8.00 8.00 10,171.45 1.60 9.60 13,628.35 3.26 12.87 17,742.98 3.88 16.75 23,408.98 5.35 22.10 27,781.23 4.13 26.23 31,474.50 3.49 29.71 35,640.33 3.93 33.64 39,114.38 3.28 36.92 41,622.43 2.37 39.29 44,165.07 2.40 41.69 47,837.32 3.47 45.16 51,321.20 3.29 48.45 57,182.83 5.53 53.98 62,221.63 4.76 58.74 73,267.90 10.43 69.16 88,018.95 13.92 83.09 94,444.41 6.07 89.16 100,666.31 5.87 95.03 105,932.46 4.97 100.00

289

28 9.69 9.69 37 3.11 12.80 48 3.81 16.61 58 3.46 20.07 72 4.84 24.91 85 4.50 29.41 96 3.81 33.22 109 4.50 37.72 113 1.38 39.10 118 1.73 40.83 129 3.81 44.64 138 3.11 47.75 143 1.73 49.48 158 5.19 54.67 169 3.81 58.48 205 12.46 70.93 233 9.69 80.62 255 7.61 88.24 274 6.57 94.81 289 5.19 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 3,986.21 101.78 325.45 543.45 247.67 772.71 3,882.38 551.67 2,695.84 336.47 768.40 1,547.49 855.69 3,270.90 1,162.70 18,069.84 198.99 7,849.10 2,886.55 4,587.90 54,641.18

3,986.21 7.30 4,087.99 0.19 4,413.44 0.60 4,956.89 0.99 5,204.56 0.45 5,977.28 1.41 9,859.65 7.11 10,411.32 1.01 13,107.16 4.93 13,443.62 0.62 14,212.03 1.41 15,759.52 2.83 16,615.21 1.57 19,886.10 5.99 21,048.80 2.13 39,118.64 33.07 39,317.63 0.36 47,166.73 14.36 50,053.28 5.28 54,641.18 8.40

7.30 7.48 8.08 9.07 9.52 10.94 18.04 19.05 23.99 24.60 26.01 28.84 30.41 36.39 38.52 71.59 71.96 86.32 91.60 100.00

LOSS RATIO PERCENTAGE BAND CUM 47.05 5.99 9.41 13.21 4.37 17.67 105.12 13.24 77.60 13.42 30.22 42.14 24.56 55.80 23.07 163.58 1.35 122.16 46.39 87.12

47.05 40.19 32.38 27.94 22.23 21.52 31.33 29.21 33.51 32.30 32.18 32.94 32.37 34.78 33.83 53.39 44.67 49.94 49.72 51.58

51.58

Page 99 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 302 341 406 288 349 262 171 133 63 37 24 23 28 33 12 19 21 13 18 15

2,558

302 643 1,049 1,337 1,686 1,948 2,119 2,252 2,315 2,352 2,376 2,399 2,427 2,460 2,472 2,491 2,512 2,525 2,543 2,558

11.81 13.33 15.87 11.26 13.64 10.24 6.68 5.20 2.46 1.45 0.94 0.90 1.09 1.29 0.47 0.74 0.82 0.51 0.70 0.59

DATA POSITION FROM

11.81 25.14 41.01 52.27 65.91 76.15 82.84 88.04 90.50 91.95 92.89 93.78 94.88 96.17 96.64 97.38 98.20 98.71 99.41 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 261.90 71.22 159.59 185.86 400.02 398.23 375.07 365.65 266.66 157.84 142.37 108.70 142.80 236.86 89.23 208.46 205.47 169.69 366.52 91.59 4,403.72

261.90 333.11 492.70 678.56 1,078.58 1,476.81 1,851.88 2,217.53 2,484.19 2,642.03 2,784.40 2,893.09 3,035.89 3,272.75 3,361.98 3,570.45 3,775.91 3,945.60 4,312.13 4,403.72

5.95 5.95 1.62 7.56 3.62 11.19 4.22 15.41 9.08 24.49 9.04 33.54 8.52 42.05 8.30 50.36 6.06 56.41 3.58 60.00 3.23 63.23 2.47 65.70 3.24 68.94 5.38 74.32 2.03 76.34 4.73 81.08 4.67 85.74 3.85 89.60 8.32 97.92 2.08 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 3 0 7

1 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 3 4 7 7

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

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 384.10 246.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.75 55.14 437.55 0.00 1,134.21

384.10 33.87 630.76 21.75 630.76 0.00 630.76 0.00 630.76 0.00 630.76 0.00 630.76 0.00 630.76 0.00 630.76 0.00 630.76 0.00 630.76 0.00 630.76 0.00 630.76 0.00 630.76 0.00 630.76 0.00 630.76 0.00 641.52 0.95 696.66 4.86 1,134.21 38.58 1,134.21 0.00

33.87 146.66 146.66 55.61 346.36 189.35 55.61 0.00 128.02 55.61 0.00 92.96 55.61 0.00 58.48 55.61 0.00 42.71 55.61 0.00 34.06 55.61 0.00 28.44 55.61 0.00 25.39 55.61 0.00 23.87 55.61 0.00 22.65 55.61 0.00 21.80 55.61 0.00 20.78 55.61 0.00 19.27 55.61 0.00 18.76 55.61 0.00 17.67 56.56 5.23 16.99 61.42 32.49 17.66 100.00 119.38 26.30 100.00 0.00 25.76 25.76

Page 100 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 230 351 423 238 276 180 94 77 52 28 21 18 13 12 5 10 12 4 1 0 2,045

230 581 1,004 1,242 1,518 1,698 1,792 1,869 1,921 1,949 1,970 1,988 2,001 2,013 2,018 2,028 2,040 2,044 2,045 2,045

11.25 17.16 20.68 11.64 13.50 8.80 4.60 3.77 2.54 1.37 1.03 0.88 0.64 0.59 0.24 0.49 0.59 0.20 0.05 0.00

DATA POSITION FROM

11.25 28.41 49.10 60.73 74.23 83.03 87.63 91.39 93.94 95.31 96.33 97.21 97.85 98.44 98.68 99.17 99.76 99.95 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 43.73 95.45 193.81 173.84 311.98 317.87 298.58 279.79 282.54 188.42 100.67 156.80 114.52 232.48 56.09 22.65 122.06 42.41 24.99 0.00 3,058.69

43.73 1.43 1.43 139.18 3.12 4.55 333.00 6.34 10.89 506.84 5.68 16.57 818.82 10.20 26.77 1,136.68 10.39 37.16 1,435.26 9.76 46.92 1,715.05 9.15 56.07 1,997.59 9.24 65.31 2,186.01 6.16 71.47 2,286.68 3.29 74.76 2,443.48 5.13 79.89 2,558.00 3.74 83.63 2,790.48 7.60 91.23 2,846.57 1.83 93.07 2,869.23 0.74 93.81 2,991.29 3.99 97.80 3,033.69 1.39 99.18 3,058.69 0.82 100.00 3,058.69 0.00 100.00

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

0 0.00 0.00 0 0.00 0.00 3 27.27 27.27 4 9.09 36.36 4 0.00 36.36 4 0.00 36.36 7 27.27 63.64 7 0.00 63.64 7 0.00 63.64 7 0.00 63.64 9 18.18 81.82 9 0.00 81.82 9 0.00 81.82 10 9.09 90.91 11 9.09 100.00 11 0.00 100.00 11 0.00 100.00 11 0.00 100.00 11 0.00 100.00 11 0.00 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 215.07 1.75 0.00 0.00 343.37 0.00 0.00 0.00 137.07 0.00 0.00 152.22 443.56 0.00 0.00 0.00 0.00 0.00 1,293.04

0.00 0.00 215.07 216.82 216.82 216.82 560.19 560.19 560.19 560.19 697.26 697.26 697.26 849.48 1,293.04 1,293.04 1,293.04 1,293.04 1,293.04 1,293.04

0.00 0.00 16.63 0.14 0.00 0.00 26.56 0.00 0.00 0.00 10.60 0.00 0.00 11.77 34.30 0.00 0.00 0.00 0.00 0.00

0.00 0.00 16.63 16.77 16.77 16.77 43.32 43.32 43.32 43.32 53.92 53.92 53.92 65.70 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 110.97 1.01 0.00 0.00 115.00 0.00 0.00 0.00 136.15 0.00 0.00 65.48 790.74 0.00 0.00 0.00 0.00 0.00

0.00 0.00 64.59 42.78 26.48 19.07 39.03 32.66 28.04 25.63 30.49 28.54 27.26 30.44 45.42 45.07 43.23 42.62 42.27 42.27

42.27

Page 101 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

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,315 2,641 3,116 2,072 2,143 954 663 430 304 147 95 153 64 144 87 120 126 54 95 41 15,764

2,315 4,956 8,072 10,144 12,287 13,241 13,904 14,334 14,638 14,785 14,880 15,033 15,097 15,241 15,328 15,448 15,574 15,628 15,723 15,764

14.69 16.75 19.77 13.14 13.59 6.05 4.21 2.73 1.93 0.93 0.60 0.97 0.41 0.91 0.55 0.76 0.80 0.34 0.60 0.26

DATA POSITION FROM

14.69 31.44 51.21 64.35 77.94 84.00 88.20 90.93 92.86 93.79 94.39 95.36 95.77 96.68 97.23 98.00 98.79 99.14 99.74 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,588.88 497.02 1,055.77 1,444.42 2,521.57 1,657.45 1,520.52 1,374.23 1,134.03 666.30 480.31 906.89 722.45 1,335.88 917.27 1,824.39 2,401.47 1,135.53 3,798.69 57,243.64 84,226.70

1,588.88 1.89 1.89 2,085.90 0.59 2.48 3,141.67 1.25 3.73 4,586.09 1.71 5.44 7,107.66 2.99 8.44 8,765.11 1.97 10.41 10,285.63 1.81 12.21 11,659.86 1.63 13.84 12,793.89 1.35 15.19 13,460.18 0.79 15.98 13,940.49 0.57 16.55 14,847.37 1.08 17.63 15,569.83 0.86 18.49 16,905.71 1.59 20.07 17,822.98 1.09 21.16 19,647.37 2.17 23.33 22,048.84 2.85 26.18 23,184.37 1.35 27.53 26,983.06 4.51 32.04 84,226.70 67.96 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 5 1 1 4 3 2 0 3 0 1 0 1 1 6 0 3 5 2 11 0 49

5 6 7 11 14 16 16 19 19 20 20 21 22 28 28 31 36 38 49 49

10.20 10.20 2.04 12.24 2.04 14.29 8.16 22.45 6.12 28.57 4.08 32.65 0.00 32.65 6.12 38.78 0.00 38.78 2.04 40.82 0.00 40.82 2.04 42.86 2.04 44.90 12.24 57.14 0.00 57.14 6.12 63.27 10.20 73.47 4.08 77.55 22.45 100.00 0.00 100.00

01/01/2008

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 42.89 0.96 3.81 246.86 939.87 869.72 0.00 118.54 0.00 4.25 0.00 6.19 36.78 84.87 0.00 8,665.30 609.43 277.54 6,760.61 0.00 18,667.62

42.89 0.23 43.85 0.01 47.66 0.02 294.52 1.32 1,234.39 5.03 2,104.11 4.66 2,104.11 0.00 2,222.64 0.63 2,222.64 0.00 2,226.90 0.02 2,226.90 0.00 2,233.09 0.03 2,269.87 0.20 2,354.74 0.45 2,354.74 0.00 11,020.04 46.42 11,629.47 3.26 11,907.01 1.49 18,667.62 36.22 18,667.62 0.00

0.23 2.70 0.23 0.19 0.26 0.36 1.58 17.09 6.61 37.27 11.27 52.47 11.27 0.00 11.91 8.63 11.91 0.00 11.93 0.64 11.93 0.00 11.96 0.68 12.16 5.09 12.61 6.35 12.61 0.00 59.03 474.97 62.30 25.38 63.78 24.44 100.00 177.97 100.00 0.00

2.70 2.10 1.52 6.42 17.37 24.01 20.46 19.06 17.37 16.54 15.97 15.04 14.58 13.93 13.21 56.09 52.74 51.36 69.18 22.16

22.16

Page 102 of 204

RISK AND LOSS PROFILE 2009

PT. REASURANSI INTERNASIONAL 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

DATA POSITION FROM

01/01/2009

UNDERWRITING YEAR

2009

15/12/2010

OCCUPATION CODE

All Code

PROCESSING DATE

15/03/2011

BAND

SUM INSURED Mid Points (In Million) From To

0 50 1 50 100 2 100 200 3 200 300 4 300 500 5 500 750 6 750 1,000 7 1,000 1,500 8 1,500 2,000 9 2,000 2,500 10 2,500 3,000 11 3,000 4,000 12 4,000 5,000 13 5,000 7,500 14 7,500 10,000 15 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 BAND CUM.

195,110 159,110 210,345 133,412 151,392 80,903 59,339 47,704 27,189 15,430 12,162 14,910 9,968 13,413 8,336 14,135 12,630 6,266 7,717 2,882

1,182,353

195,110 354,220 564,565 697,977 849,369 930,272 989,611 1,037,315 1,064,504 1,079,934 1,092,096 1,107,006 1,116,974 1,130,387 1,138,723 1,152,858 1,165,488 1,171,754 1,179,471 1,182,353

16.50 16.50 13.46 29.96 17.79 47.75 11.28 59.03 12.80 71.84 6.84 78.68 5.02 83.70 4.03 87.73 2.30 90.03 1.31 91.34 1.03 92.37 1.26 93.63 0.84 94.47 1.13 95.60 0.71 96.31 1.20 97.51 1.07 98.57 0.53 99.10 0.65 99.76 0.24 100.00

ORIGINAL PREMIUM (In Million Rp) CLAIM FREQUENCY PERCENTAGE PERCENTAGE rp RP f F BAND CUM. BAND CUM. 141,652.60 34,255.88 78,449.58 77,541.43 134,867.65 104,787.62 107,011.23 110,398.43 82,323.34 57,783.11 55,844.72 71,382.45 57,973.74 91,079.43 71,111.42 157,336.31 164,182.62 81,034.74 125,830.36 325,037.67

2,129,884.32

141,652.60 6.65 6.65 175,908.48 1.61 8.26 254,358.06 3.68 11.94 331,899.49 3.64 15.58 466,767.14 6.33 21.92 571,554.76 4.92 26.84 678,566.00 5.02 31.86 788,964.43 5.18 37.04 871,287.77 3.87 40.91 929,070.88 2.71 43.62 984,915.60 2.62 46.24 1,056,298.04 3.35 49.59 1,114,271.79 2.72 52.32 1,205,351.21 4.28 56.59 1,276,462.63 3.34 59.93 1,433,798.94 7.39 67.32 1,597,981.56 7.71 75.03 1,679,016.30 3.80 78.83 1,804,846.65 5.91 84.74 2,129,884.32 15.26 100.00

445 116 272 204 271 150 142 157 82 76 65 92 64 113 145 240 256 142 236 231 3,499

445 12.72 12.72 561 3.32 16.03 833 7.77 23.81 1,037 5.83 29.64 1,308 7.75 37.38 1,458 4.29 41.67 1,600 4.06 45.73 1,757 4.49 50.21 1,839 2.34 52.56 1,915 2.17 54.73 1,980 1.86 56.59 2,072 2.63 59.22 2,136 1.83 61.05 2,249 3.23 64.28 2,394 4.14 68.42 2,634 6.86 75.28 2,890 7.32 82.60 3,032 4.06 86.65 3,268 6.74 93.40 3,499 6.60 100.00

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

134,771.73 134,771.73 5,519.36 140,291.09 15,519.05 155,810.14 17,147.67 172,957.82 34,423.78 207,381.60 26,299.04 233,680.64 27,385.86 261,066.50 19,394.64 280,461.14 21,376.26 301,837.40 14,757.91 316,595.30 10,473.35 327,068.65 30,254.16 357,322.81 14,479.38 371,802.19 24,675.69 396,477.88 18,284.52 414,762.40 153,572.67 568,335.07 166,059.80 734,394.87 71,525.04 805,919.91 274,523.70 1,080,443.61 311,932.61 1,392,376.22 1,392,376.22

9.68 9.68 0.40 10.08 1.11 11.19 1.23 12.42 2.47 14.89 1.89 16.78 1.97 18.75 1.39 20.14 1.54 21.68 1.06 22.74 0.75 23.49 2.17 25.66 1.04 26.70 1.77 28.47 1.31 29.79 11.03 40.82 11.93 52.74 5.14 57.88 19.72 77.60 22.40 100.00

LOSS RATIO PERCENTAGE BAND CUM 95.14 16.11 19.78 22.11 25.52 25.10 25.59 17.57 25.97 25.54 18.75 42.38 24.98 27.09 25.71 97.61 101.14 88.26 218.17 95.97

95.14 79.75 61.26 52.11 44.43 40.89 38.47 35.55 34.64 34.08 33.21 33.83 33.37 32.89 32.49 39.64 45.96 48.00 59.86 65.37

65.37

Page 103 of 204

RISK AND LOSS PROFILE 2009 GROUP BY CLASS OF BUSINESS

PT. REASURANSI INTERNASIONAL 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 BAND CUM.

` 145,789 189,659 118,446 129,294 64,026 43,547 31,982 16,517 8,641 6,521 7,294 4,533 5,640 3,020 4,663 3,818 1,799 2,239 1,062 947,566

159,076 304,865 494,524 612,970 742,264 806,290 849,837 881,819 898,336 906,977 913,498 920,792 925,325 930,965 933,985 938,648 942,466 944,265 946,504 947,566

16.79 15.39 20.02 12.50 13.64 6.76 4.60 3.38 1.74 0.91 0.69 0.77 0.48 0.60 0.32 0.49 0.40 0.19 0.24 0.11

16.79 32.17 52.19 64.69 78.33 85.09 89.69 93.06 94.80 95.72 96.40 97.17 97.65 98.25 98.57 99.06 99.46 99.65 99.89 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 64,466.03 31,073.32 72,565.34 71,098.62 120,748.53 90,247.40 86,467.55 84,568.16 58,520.66 38,935.67 35,595.68 43,402.33 33,943.53 49,987.14 33,565.08 66,661.73 54,788.47 25,404.62 26,631.22 73,124.12 1,161,795.19

64,466.03 5.55 95,539.35 2.67 168,104.69 6.25 239,203.31 6.12 359,951.84 10.39 450,199.23 7.77 536,666.78 7.44 621,234.94 7.28 679,755.60 5.04 718,691.27 3.35 754,286.95 3.06 797,689.29 3.74 831,632.81 2.92 881,619.95 4.30 915,185.03 2.89 981,846.76 5.74 1,036,635.23 4.72 1,062,039.85 2.19 1,088,671.07 2.29 1,161,795.19 6.29

5.55 8.22 14.47 20.59 30.98 38.75 46.19 53.47 58.51 61.86 64.92 68.66 71.58 75.88 78.77 84.51 89.23 91.41 93.71 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

190 82 166 108 124 52 62 54 26 21 25 22 20 29 23 135 107 36 63 39 1,384

190 13.73 13.73 272 5.92 19.65 438 11.99 31.65 546 7.80 39.45 670 8.96 48.41 722 3.76 52.17 784 4.48 56.65 838 3.90 60.55 864 1.88 62.43 885 1.52 63.95 910 1.81 65.75 932 1.59 67.34 952 1.45 68.79 981 2.10 70.88 1,004 1.66 72.54 1,139 9.75 82.30 1,246 7.73 90.03 1,282 2.60 92.63 1,345 4.55 97.18 1,384 2.82 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 21,356.99 4,770.01 11,503.45 12,196.08 15,106.56 8,249.05 15,382.62 12,754.38 10,581.84 8,510.97 8,395.15 11,149.76 8,744.54 8,069.17 4,116.03 31,190.85 95,665.26 -13,930.62 28,726.24 953.88

21,356.99 7.04 7.04 33.13 26,127.00 1.57 8.61 15.35 37,630.46 3.79 12.40 15.85 49,826.54 4.02 16.42 17.15 64,933.10 4.98 21.40 12.51 73,182.15 2.72 24.11 9.14 88,564.77 5.07 29.18 17.79 101,319.15 4.20 33.38 15.08 111,900.99 3.49 36.87 18.08 120,411.96 2.80 39.68 21.86 128,807.11 2.77 42.44 23.58 139,956.87 3.67 46.12 25.69 148,701.40 2.88 49.00 25.76 156,770.57 2.66 51.66 16.14 160,886.60 1.36 53.01 12.26 192,077.45 10.28 63.29 46.79 287,742.70 31.52 94.81 174.61 273,812.08 -4.59 90.22 -54.83 302,538.32 9.47 99.69 107.87 303,492.20 0.31 100.00 1.30

303,492.20

26.12

33.13 27.35 22.39 20.83 18.04 16.26 16.50 16.31 16.46 16.75 17.08 17.55 17.88 17.78 17.58 19.56 27.76 25.78 27.79 26.12

Page 104 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 PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 21,322 8,185 12,097 9,187 14,271 11,054 10,419 10,474 7,077 4,329 3,571 4,704 3,191 4,506 2,955 5,367 4,792 2,450 2,926 873 143,750

21,322 14.83 14.83 29,507 5.69 20.53 41,604 8.42 28.94 50,791 6.39 35.33 65,062 9.93 45.26 76,116 7.69 52.95 86,535 7.25 60.20 97,009 7.29 67.48 104,086 4.92 72.41 108,415 3.01 75.42 111,986 2.48 77.90 116,690 3.27 81.18 119,881 2.22 83.40 124,387 3.13 86.53 127,342 2.06 88.59 132,709 3.73 92.32 137,501 3.33 95.65 139,951 1.70 97.36 142,877 2.04 99.39 143,750 0.61 100.00

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

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

30,265.68 1,597.01 3,510.63 4,137.86 10,034.14 9,989.53 14,959.65 18,441.93 17,214.37 13,519.06 14,444.97 18,832.78 16,034.78 27,768.62 24,470.89 55,161.99 63,353.69 29,425.65 51,078.39 66,188.00

215 15 39 46 53 37 48 73 29 38 19 44 21 66 105 81 128 98 161 192

490,429.63

30,265.68 31,862.69 35,373.32 39,511.18 49,545.32 59,534.85 74,494.49 92,936.43 110,150.80 123,669.86 138,114.83 156,947.62 172,982.40 200,751.01 225,221.90 280,383.89 343,737.58 373,163.24 424,241.63 490,429.63

6.17 6.17 0.33 6.50 0.72 7.21 0.84 8.06 2.05 10.10 2.04 12.14 3.05 15.19 3.76 18.95 3.51 22.46 2.76 25.22 2.95 28.16 3.84 32.00 3.27 35.27 5.66 40.93 4.99 45.92 11.25 57.17 12.92 70.09 6.00 76.09 10.42 86.50 13.50 100.00

1,508

215 14.26 14.26 230 0.99 15.25 269 2.59 17.84 315 3.05 20.89 368 3.51 24.40 405 2.45 26.86 453 3.18 30.04 526 4.84 34.88 555 1.92 36.80 593 2.52 39.32 612 1.26 40.58 656 2.92 43.50 677 1.39 44.89 743 4.38 49.27 848 6.96 56.23 929 5.37 61.60 1,057 8.49 70.09 1,155 6.50 76.59 1,316 10.68 87.27 1,508 12.73 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 108,097.26 241.33 792.68 1,205.92 1,428.07 3,482.51 5,541.17 2,401.38 2,363.98 1,250.89 527.72 8,041.06 2,006.41 13,389.21 8,113.95 101,067.42 36,153.75 54,946.36 67,662.72 310,978.73 729,692.54

108,097.26 14.81 14.81 108,338.59 0.03 14.85 109,131.28 0.11 14.96 110,337.19 0.17 15.12 111,765.26 0.20 15.32 115,247.78 0.48 15.79 120,788.94 0.76 16.55 123,190.33 0.33 16.88 125,554.31 0.32 17.21 126,805.20 0.17 17.38 127,332.92 0.07 17.45 135,373.98 1.10 18.55 137,380.39 0.27 18.83 150,769.60 1.83 20.66 158,883.55 1.11 21.77 259,950.97 13.85 35.62 296,104.72 4.95 40.58 351,051.09 7.53 48.11 418,713.81 9.27 57.38 729,692.54 42.62 100.00

357.16 15.11 22.58 29.14 14.23 34.86 37.04 13.02 13.73 9.25 3.65 42.70 12.51 48.22 33.16 183.22 57.07 186.73 132.47 469.84

357.16 340.02 308.51 279.26 225.58 193.58 162.14 132.55 113.98 102.54 92.19 86.25 79.42 75.10 70.55 92.71 86.14 94.07 98.70 148.79

148.79

Page 105 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

210

01/01/2009

15/12/2010

DATE

15/03/2011

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1 11 2 1 16 15 7 17 10 6 4 5 10 10 13 22 24 10 14 12

1 0.48 12 5.24 14 0.95 15 0.48 31 7.62 46 7.14 53 3.33 70 8.10 80 4.76 86 2.86 90 1.90 95 2.38 105 4.76 115 4.76 128 6.19 150 10.48 174 11.43 184 4.76 198 6.67 210 5.71

0.48 5.71 6.67 7.14 14.76 21.90 25.24 33.33 38.10 40.95 42.86 45.24 50.00 54.76 60.95 71.43 82.86 87.62 94.29 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 0.10 9.91 0.60 0.00 7.22 5.32 8.98 23.02 8.40 12.64 2.83 -0.33 33.32 36.54 57.86 36.28 131.01 -119.67 31.46 14.76 300.25

0.10 10.01 10.61 10.61 17.83 23.15 32.14 55.16 63.56 76.20 79.03 78.70 112.02 148.56 206.41 242.69 373.70 254.03 285.49 300.25

0.03 0.03 3.30 3.34 0.20 3.54 0.00 3.54 2.40 5.94 1.77 7.71 2.99 10.70 7.67 18.37 2.80 21.17 4.21 25.38 0.94 26.32 -0.11 26.21 11.10 37.31 12.17 49.48 19.27 68.75 12.08 80.83 43.63 124.46 -39.9 84.61 10.48 95.08 4.92 100.00

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 106 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.

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

14,711 5,125 8,587 5,779 7,810 5,808 5,366 5,231 3,585 2,454 2,066 2,907 2,234 3,257 2,348 4,083 3,996 2,007 2,538 935

14,711 16.20 16.20 46,920.79 19,836 5.64 21.84 1,575.64 28,423 9.45 31.29 2,373.01 34,202 6.36 37.66 2,304.95 42,012 8.60 46.25 4,077.76 47,820 6.39 52.65 4,545.38 53,186 5.91 58.56 5,575.06 58,417 5.76 64.32 7,365.31 62,002 3.95 68.26 6,579.91 64,456 2.70 70.97 5,315.74 66,522 2.27 73.24 5,801.23 69,429 3.20 76.44 9,147.66 71,663 2.46 78.90 7,962.12 74,920 3.59 82.49 13,287.13 77,268 2.59 85.07 13,017.60 81,351 4.50 89.57 35,476.31 85,347 4.40 93.97 45,909.45 87,354 2.21 96.18 26,324.13 89,892 2.79 98.97 48,089.29 90,827 1.03 100.00 185,710.79

90,827

477,359.25

46,920.79 9.83 9.83 48,496.43 0.33 10.16 50,869.44 0.50 10.66 53,174.39 0.48 11.14 57,252.15 0.85 11.99 61,797.53 0.95 12.95 67,372.58 1.17 14.11 74,737.90 1.54 15.66 81,317.80 1.38 17.03 86,633.54 1.11 18.15 92,434.78 1.22 19.36 101,582.44 1.92 21.28 109,544.56 1.67 22.95 122,831.69 2.78 25.73 135,849.29 2.73 28.46 171,325.60 7.43 35.89 217,235.05 9.62 45.51 243,559.18 5.51 51.02 291,648.46 10.07 61.10 477,359.25 38.90 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

40 19 67 50 94 61 32 30 27 17 21 26 23 18 17 24 21 8 12 0 607

40 6.59 6.59 59 3.13 9.72 126 11.04 20.76 176 8.24 29.00 270 15.49 44.48 331 10.05 54.53 363 5.27 59.80 393 4.94 64.74 420 4.45 69.19 437 2.80 71.99 458 3.46 75.45 484 4.28 79.74 507 3.79 83.53 525 2.97 86.49 542 2.80 89.29 566 3.95 93.25 587 3.46 96.71 595 1.32 98.02 607 1.98 100.00 607 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 5,317.48 508.01 3,222.92 3,745.68 17,889.15 14,567.47 6,462.08 4,238.88 8,430.44 4,996.04 1,550.48 11,063.35 3,728.44 3,217.31 6,054.53 21,314.41 34,240.79 30,509.30 178,134.74 0.00 359,191.49

5,317.48 1.48 5,825.49 0.14 9,048.41 0.90 12,794.08 1.04 30,683.24 4.98 45,250.71 4.06 51,712.79 1.80 55,951.66 1.18 64,382.10 2.35 69,378.14 1.39 70,928.62 0.43 81,991.96 3.08 85,720.40 1.04 88,937.72 0.90 94,992.25 1.69 116,306.66 5.93 150,547.45 9.53 181,056.75 8.49 359,191.49 49.59 359,191.49 0.00

1.48 1.62 2.52 3.56 8.54 12.60 14.40 15.58 17.92 19.32 19.75 22.83 23.86 24.76 26.45 32.38 41.91 50.41 100.00 100.00

11.33 11.33 32.24 12.01 135.82 17.79 162.51 24.06 438.70 53.59 320.49 73.22 115.91 76.76 57.55 74.86 128.12 79.17 93.99 80.08 26.73 76.73 120.94 80.71 46.83 78.25 24.21 72.41 46.51 69.92 60.08 67.89 74.58 69.30 115.90 74.34 370.42 123.16 0.00 75.25 75.25

Page 107 of 204

RISK AND LOSS PROFILE 2009 GROUP BY OCCUPATION CODE

PT. REASURANSI INTERNASIONAL 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

15/12/2010

DATE

15/03/2011

Mining, Drilling Installation, Salt Mines, Peat Extraction, Metallurgical Plant

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 180 32 67 46 79 41 45 67 53 53 43 70 46 72 54 96 186 139 198 114 1,681

180 10.71 212 1.90 279 3.99 325 2.74 404 4.70 445 2.44 490 2.68 557 3.99 610 3.15 663 3.15 706 2.56 776 4.16 822 2.74 894 4.28 948 3.21 1,044 5.71 1,230 11.06 1,369 8.27 1,567 11.78 1,681 6.78

10.71 12.61 16.60 19.33 24.03 26.47 29.15 33.14 36.29 39.44 42.00 46.16 48.90 53.18 56.40 62.11 73.17 81.44 93.22 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,652.42 5.02 30.36 22.84 44.29 62.18 75.97 143.38 127.90 139.98 116.94 544.54 246.77 472.90 516.34 1,136.76 1,820.40 1,769.65 1,762.70 3,679.10 14,370.42

1,652.42 1,657.44 1,687.79 1,710.63 1,754.93 1,817.10 1,893.07 2,036.45 2,164.34 2,304.33 2,421.27 2,965.80 3,212.57 3,685.47 4,201.81 5,338.57 7,158.97 8,928.62 10,691.32 14,370.42

11.50 11.50 0.03 11.53 0.21 11.74 0.16 11.90 0.31 12.21 0.43 12.64 0.53 13.17 1.00 14.17 0.89 15.06 0.97 16.04 0.81 16.85 3.79 20.64 1.72 22.36 3.29 25.65 3.59 29.24 7.91 37.15 12.67 49.82 12.31 62.13 12.27 74.40 25.60 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

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

0 0 1 0 0 0 0 0 0 0 0 0 3 1 1 1 1 4 6 19

0 0.00 0.00 0.00 0 0.00 0.00 0.00 1 2.70 2.70 20.00 1 0.00 2.70 0.00 1 0.00 2.70 0.00 1 0.00 2.70 0.00 1 0.00 2.70 0.00 1 0.00 2.70 0.00 1 0.00 2.70 0.00 1 0.00 2.70 0.00 1 0.00 2.70 0.00 1 0.00 2.70 0.00 4 8.11 10.81 379.55 5 2.70 13.51 11.02 6 2.70 16.22 312.88 7 2.70 18.92 17.56 8 2.70 21.62 0.00 12 10.81 32.43 2,685.51 18 16.22 48.65 479.87 37 51.35 100.00 46,476.34

50,382.74

0.00 0.00 0.00 0.00 20.00 0.04 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 399.55 0.75 410.57 0.02 723.45 0.62 741.01 0.03 741.01 0.00 3,426.53 5.33 3,906.40 0.95 50,382.74 92.25

0.00 0.00 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.79 0.81 1.44 1.47 1.47 6.80 7.75 100.00

LOSS RATIO PERCENTAGE BAND CUM 0.00 0.00 0.00 0.00 65.88 1.18 0.00 1.17 0.00 1.14 0.00 1.10 0.00 1.06 0.00 0.98 0.00 0.92 0.00 0.87 0.00 0.83 0.00 0.67 153.81 12.44 2.33 11.14 60.60 17.22 1.55 13.88 0.00 10.35 151.75 38.38 27.22 36.54 1263.25 350.60 350.60

Page 108 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

15/12/2010

DATE

15/03/2011

Stone, Earth, (Animal) Bones or Shells

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 828 107 109 99 131 86 118 93 106 61 71 65 62 100 58 167 216 107 217 96 2,897

828 28.58 935 3.69 1,044 3.76 1,143 3.42 1,274 4.52 1,360 2.97 1,478 4.07 1,571 3.21 1,677 3.66 1,738 2.11 1,809 2.45 1,874 2.24 1,936 2.14 2,036 3.45 2,094 2.00 2,261 5.76 2,477 7.46 2,584 3.69 2,801 7.49 2,897 3.31

28.58 32.27 36.04 39.45 43.98 46.95 51.02 54.23 57.89 59.99 62.44 64.69 66.83 70.28 72.28 78.05 85.50 89.20 96.69 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 961.72 961.72 0.49 0.49 29.10 990.82 0.01 0.50 42.87 1,033.69 0.02 0.53 54.93 1,088.62 0.03 0.55 136.11 1,224.73 0.07 0.62 85.10 1,309.84 0.04 0.67 152.43 1,462.26 0.08 0.75 219.58 1,681.84 0.11 0.86 282.87 1,964.71 0.14 1.00 204.83 2,169.54 0.10 1.11 386.06 2,555.60 0.20 1.30 318.20 2,873.79 0.16 1.46 316.15 3,189.94 0.16 1.63 517.61 3,707.55 0.26 1.89 543.59 4,251.14 0.28 2.17 1,534.91 5,786.04 0.78 2.95 2,843.37 8,629.41 1.45 4.40 1,206.83 9,836.24 0.62 5.01 4,019.49 13,855.72 2.05 7.06 182,347.32 196,203.05 92.94 100.00 196,203.05

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

3 3 3 3 3 3 3 5 5 6 9 9 9 9 11 12 13 15 17 17

17.65 17.65 0.00 17.65 0.00 17.65 0.00 17.65 0.00 17.65 0.00 17.65 0.00 17.65 11.76 29.41 0.00 29.41 5.88 35.29 17.65 52.94 0.00 52.94 0.00 52.94 0.00 52.94 11.76 64.71 5.88 70.59 5.88 76.47 11.76 88.24 11.76 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 157.75 0.00 0.00 0.00 0.00 0.00 0.00 31.57 0.00 809.05 151.75 0.00 0.00 0.00 70.65 99.94 472.50 27,598.74 99.88 0.00 29,491.81

157.75 0.53 157.75 0.00 157.75 0.00 157.75 0.00 157.75 0.00 157.75 0.00 157.75 0.00 189.31 0.11 189.31 0.00 998.36 2.74 1,150.11 0.51 1,150.11 0.00 1,150.11 0.00 1,150.11 0.00 1,220.75 0.24 1,320.69 0.34 1,793.19 1.60 29,391.93 93.58 29,491.81 0.34 29,491.81 0.00

0.53 16.40 16.40 0.53 0.00 15.92 0.53 0.00 15.26 0.53 0.00 14.49 0.53 0.00 12.88 0.53 0.00 12.04 0.53 0.00 10.79 0.64 14.38 11.26 0.64 0.00 9.64 3.39 394.98 46.02 3.90 39.31 45.00 3.90 0.00 40.02 3.90 0.00 36.05 3.90 0.00 31.02 4.14 13.00 28.72 4.48 6.51 22.83 6.08 16.62 20.78 99.66 2286.8 298.81 100.00 2.48 212.85 100.00 0.00 15.03 15.03

Page 109 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

15/12/2010

DATE

15/03/2011

Metals

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,580 299 478 454 676 504 526 640 466 378 264 484 370 619 398 736 874 446 735 401 11,328

1,580 13.95 1,879 2.64 2,357 4.22 2,811 4.01 3,487 5.97 3,991 4.45 4,517 4.64 5,157 5.65 5,623 4.11 6,001 3.34 6,265 2.33 6,749 4.27 7,119 3.27 7,738 5.46 8,136 3.51 8,872 6.50 9,746 7.72 10,192 3.94 10,927 6.49 11,328 3.54

13.95 16.59 20.81 24.81 30.78 35.23 39.87 45.52 49.64 52.97 55.31 59.58 62.84 68.31 71.82 78.32 86.03 89.97 96.46 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5,747.86 132.09 193.09 201.73 445.26 687.72 758.14 1,217.16 1,034.75 973.12 832.08 1,750.15 2,053.27 3,786.45 3,050.26 8,072.75 11,219.48 4,823.53 11,635.67 4,292.63 62,907.20

5,747.86 9.14 9.14 5,879.95 0.21 9.35 6,073.05 0.31 9.65 6,274.77 0.32 9.97 6,720.03 0.71 10.68 7,407.75 1.09 11.78 8,165.89 1.21 12.98 9,383.05 1.93 14.92 10,417.80 1.64 16.56 11,390.92 1.55 18.11 12,223.01 1.32 19.43 13,973.16 2.78 22.21 16,026.43 3.26 25.48 19,812.88 6.02 31.50 22,863.14 4.85 36.34 30,935.89 12.83 49.18 42,155.38 17.83 67.01 46,978.90 7.67 74.68 58,614.57 18.50 93.18 62,907.20 6.82 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

21 0 1 0 0 1 1 6 1 0 0 6 5 6 3 7 6 14 15 6 99

21 21.21 21.21 21 0.00 21.21 22 1.01 22.22 22 0.00 22.22 22 0.00 22.22 23 1.01 23.23 24 1.01 24.24 30 6.06 30.30 31 1.01 31.31 31 0.00 31.31 31 0.00 31.31 37 6.06 37.37 42 5.05 42.42 48 6.06 48.48 51 3.03 51.52 58 7.07 58.59 64 6.06 64.65 78 14.14 78.79 93 15.15 93.94 99 6.06 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 57,177.09 0.00 7.50 0.00 0.00 1.32 258.61 681.05 900.00 0.00 0.00 1,967.48 407.16 224.64 503.21 261.77 1,779.05 1,072.82 1,141.35 637.96 67,021.00

57,177.09 85.31 57,177.09 0.00 57,184.59 0.01 57,184.59 0.00 57,184.59 0.00 57,185.90 0.00 57,444.51 0.39 58,125.56 1.02 59,025.56 1.34 59,025.56 0.00 59,025.56 0.00 60,993.05 2.94 61,400.20 0.61 61,624.84 0.34 62,128.05 0.75 62,389.82 0.39 64,168.86 2.65 65,241.69 1.60 66,383.04 1.70 67,021.00 0.95

85.31 994.75 994.75 85.31 0.00 972.41 85.32 3.88 941.61 85.32 0.00 911.34 85.32 0.00 850.96 85.33 0.19 771.97 85.71 34.11 703.47 86.73 55.95 619.47 88.07 86.98 566.58 88.07 0.00 518.18 88.07 0.00 482.91 91.01 112.42 436.50 91.61 19.83 383.12 91.95 5.93 311.03 92.70 16.50 271.74 93.09 3.24 201.67 95.74 15.86 152.22 97.35 22.24 138.87 99.05 9.81 113.25 100.00 14.86 106.54 106.54 Page 110 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

15/12/2010

DATE

15/03/2011

Chemicals / Oil / Gas

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,417 174 369 361 657 635 706 819 681 465 486 705 582 943 565 1,226 1,113 607 766 322 13,599

1,417 10.42 1,591 1.28 1,960 2.71 2,321 2.65 2,978 4.83 3,613 4.67 4,319 5.19 5,138 6.02 5,819 5.01 6,284 3.42 6,770 3.57 7,475 5.18 8,057 4.28 9,000 6.93 9,565 4.15 10,791 9.02 11,904 8.18 12,511 4.46 13,277 5.63 13,599 2.37

10.42 11.70 14.41 17.07 21.90 26.57 31.76 37.78 42.79 46.21 49.78 54.97 59.25 66.18 70.34 79.35 87.54 92.00 97.63 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 16,112.55 16,112.55 12.94 12.94 108.28 16,220.83 0.09 13.02 352.67 16,573.50 0.28 13.31 466.42 17,039.92 0.37 13.68 876.89 17,916.82 0.70 14.38 1,130.75 19,047.57 0.91 15.29 1,574.56 20,622.13 1.26 16.56 2,265.58 22,887.70 1.82 18.38 2,289.66 25,177.36 1.84 20.21 1,985.47 27,162.84 1.59 21.81 2,713.03 29,875.86 2.18 23.99 3,625.97 33,501.83 2.91 26.90 3,707.52 37,209.35 2.98 29.87 7,320.38 44,529.74 5.88 35.75 5,428.65 49,958.39 4.36 40.11 14,516.10 64,474.49 11.65 51.76 17,228.19 81,702.68 13.83 65.59 7,837.17 89,539.85 6.29 71.89 14,701.74 104,241.59 11.80 83.69 20,317.25 124,558.83 16.31 100.00 124,558.83

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 18 2 0 3 3 1 0 4 3 3 3 0 4 10 10 13 44 13 21 2 157

18 11.46 11.46 20 1.27 12.74 20 0.00 12.74 23 1.91 14.65 26 1.91 16.56 27 0.64 17.20 27 0.00 17.20 31 2.55 19.75 34 1.91 21.66 37 1.91 23.57 40 1.91 25.48 40 0.00 25.48 44 2.55 28.03 54 6.37 34.39 64 6.37 40.76 77 8.28 49.04 121 28.03 77.07 134 8.28 85.35 155 13.38 98.73 157 1.27 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 8,385.34 123.62 0.00 622.77 440.62 762.27 0.00 4,184.34 1,822.77 26.07 547.40 0.00 1,245.25 2,131.89 7,623.59 9,054.92 8,299.82 2,197.24 11,659.10 2,275.78 61,402.80

8,385.34 8,508.97 8,508.97 9,131.73 9,572.35 10,334.62 10,334.62 14,518.96 16,341.73 16,367.80 16,915.21 16,915.21 18,160.45 20,292.34 27,915.93 36,970.86 45,270.68 47,467.92 59,127.03 61,402.80

13.66 0.20 0.00 1.01 0.72 1.24 0.00 6.81 2.97 0.04 0.89 0.00 2.03 3.47 12.42 14.75 13.52 3.58 18.99 3.71

13.66 13.86 13.86 14.87 15.59 16.83 16.83 23.65 26.61 26.66 27.55 27.55 29.58 33.05 45.46 60.21 73.73 77.31 96.29 100.00

52.04 114.17 0.00 133.52 50.25 67.41 0.00 184.69 79.61 1.31 20.18 0.00 33.59 29.12 140.43 62.38 48.18 28.04 79.30 11.20

52.04 52.46 51.34 53.59 53.43 54.26 50.11 63.44 64.91 60.26 56.62 50.49 48.81 45.57 55.88 57.34 55.41 53.01 56.72 49.30

49.30

Page 111 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2010

DATE

15/03/2011

Textiles

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,916 797 1,611 1,241 1,771 1,173 970 991 698 466 393 482 332 593 395 797 825 510 847 222 17,030

1,916 11.25 2,713 4.68 4,324 9.46 5,565 7.29 7,336 10.40 8,509 6.89 9,479 5.70 10,470 5.82 11,168 4.10 11,634 2.74 12,027 2.31 12,509 2.83 12,841 1.95 13,434 3.48 13,829 2.32 14,626 4.68 15,451 4.84 15,961 2.99 16,808 4.97 17,030 1.30

11.25 15.93 25.39 32.68 43.08 49.96 55.66 61.48 65.58 68.31 70.62 73.45 75.40 78.88 81.20 85.88 90.73 93.72 98.70 100.00

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

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

6,157.39 298.39 929.16 1,143.16 2,430.23 2,162.17 2,333.86 3,084.23 2,574.02 1,801.08 1,868.96 2,828.68 2,018.32 4,198.58 3,581.10 9,782.16 11,793.18 7,046.44 11,687.69 4,415.53

39 0 5 1 3 4 3 4 2 5 0 3 5 5 7 17 24 13 45 4

82,134.34

6,157.39 7.50 7.50 6,455.79 0.36 7.86 7,384.95 1.13 8.99 8,528.11 1.39 10.38 10,958.34 2.96 13.34 13,120.50 2.63 15.97 15,454.37 2.84 18.82 18,538.60 3.76 22.57 21,112.62 3.13 25.70 22,913.70 2.19 27.90 24,782.65 2.28 30.17 27,611.34 3.44 33.62 29,629.65 2.46 36.07 33,828.24 5.11 41.19 37,409.34 4.36 45.55 47,191.50 11.91 57.46 58,984.69 14.36 71.81 66,031.13 8.58 80.39 77,718.81 14.23 94.62 82,134.34 5.38 100.00

189

39 20.63 20.63 39 0.00 20.63 44 2.65 23.28 45 0.53 23.81 48 1.59 25.40 52 2.12 27.51 55 1.59 29.10 59 2.12 31.22 61 1.06 32.28 66 2.65 34.92 66 0.00 34.92 69 1.59 36.51 74 2.65 39.15 79 2.65 41.80 86 3.70 45.50 103 8.99 54.50 127 12.70 67.20 140 6.88 74.07 185 23.81 97.88 189 2.12 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 5,469.41 0.00 441.82 1.17 553.98 1,181.62 1,083.78 479.68 559.55 346.27 0.00 58.43 71.92 1,140.29 5.00 12,090.05 3,758.07 15,038.10 15,571.40 1,735.46 59,585.99

5,469.41 9.18 5,469.41 0.00 5,911.23 0.74 5,912.40 0.00 6,466.38 0.93 7,647.99 1.98 8,731.77 1.82 9,211.46 0.81 9,771.00 0.94 10,117.27 0.58 10,117.27 0.00 10,175.70 0.10 10,247.62 0.12 11,387.91 1.91 11,392.91 0.01 23,482.96 20.29 27,241.03 6.31 42,279.13 25.24 57,850.53 26.13 59,585.99 2.91

9.18 88.83 9.18 0.00 9.92 47.55 9.92 0.10 10.85 22.80 12.84 54.65 14.65 46.44 15.46 15.55 16.40 21.74 16.98 19.23 16.98 0.00 17.08 2.07 17.20 3.56 19.11 27.16 19.12 0.14 39.41 123.59 45.72 31.87 70.95 213.41 97.09 133.23 100.00 39.30

88.83 84.72 80.04 69.33 59.01 58.29 56.50 49.69 46.28 44.15 40.82 36.85 34.59 33.66 30.45 49.76 46.18 64.03 74.44 72.55

72.55 Page 112 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2010

DATE

15/03/2011

Paper, Leather, Rubber

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,201 491 882 740 1,038 772 646 737 588 380 371 371 316 544 375 711 677 428 434 166 11,868

1,201 10.12 1,692 4.14 2,574 7.43 3,314 6.24 4,352 8.75 5,124 6.50 5,770 5.44 6,507 6.21 7,095 4.95 7,475 3.20 7,846 3.13 8,217 3.13 8,533 2.66 9,077 4.58 9,452 3.16 10,163 5.99 10,840 5.70 11,268 3.61 11,702 3.66 11,868 1.40

10.12 14.26 21.69 27.92 36.67 43.17 48.62 54.83 59.78 62.98 66.11 69.24 71.90 76.48 79.64 85.63 91.34 94.94 98.60 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,405.62 342.91 524.27 705.54 1,534.80 1,550.17 1,678.01 2,598.71 2,671.96 2,411.28 2,355.93 2,707.34 2,457.35 4,773.36 4,797.56 10,351.93 12,573.81 6,056.71 10,087.52 22,947.51 99,532.26

6,405.62 6,748.52 7,272.79 7,978.33 9,513.14 11,063.30 12,741.31 15,340.02 18,011.98 20,423.26 22,779.18 25,486.52 27,943.87 32,717.23 37,514.79 47,866.72 60,440.53 66,497.23 76,584.75 99,532.26

6.44 6.44 0.34 6.78 0.53 7.31 0.71 8.02 1.54 9.56 1.56 11.12 1.69 12.80 2.61 15.41 2.68 18.10 2.42 20.52 2.37 22.89 2.72 25.61 2.47 28.08 4.80 32.87 4.82 37.69 10.40 48.09 12.63 60.72 6.09 66.81 10.13 76.94 23.06 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 32 2 1 4 1 0 1 3 3 6 1 3 3 3 1 5 11 17 10 4 111

32 28.83 28.83 34 1.80 30.63 35 0.90 31.53 39 3.60 35.14 40 0.90 36.04 40 0.00 36.04 41 0.90 36.94 44 2.70 39.64 47 2.70 42.34 53 5.41 47.75 54 0.90 48.65 57 2.70 51.35 60 2.70 54.05 63 2.70 56.76 64 0.90 57.66 69 4.50 62.16 80 9.91 72.07 97 15.32 87.39 107 9.01 96.40 111 3.60 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,757.47 9.62 81.45 44.76 5.03 0.00 925.00 82.79 531.86 1,274.98 0.00 62.35 2,486.46 802.35 30.00 103.91 816.09 14,546.18 3,848.52 14,244.46 42,653.28

2,757.47 6.46 2,767.09 0.02 2,848.54 0.19 2,893.30 0.10 2,898.34 0.01 2,898.34 0.00 3,823.34 2.17 3,906.12 0.19 4,437.99 1.25 5,712.96 2.99 5,712.96 0.00 5,775.31 0.15 8,261.77 5.83 9,064.12 1.88 9,094.12 0.07 9,198.03 0.24 10,014.12 1.91 24,560.30 34.10 28,408.82 9.02 42,653.28 33.40

6.46 43.05 6.49 2.81 6.68 15.54 6.78 6.34 6.80 0.33 6.80 0.00 8.96 55.12 9.16 3.19 10.40 19.91 13.39 52.88 13.39 0.00 13.54 2.30 19.37 101.18 21.25 16.81 21.32 0.63 21.56 1.00 23.48 6.49 57.58 240.17 66.60 38.15 100.00 62.07

43.05 41.00 39.17 36.26 30.47 26.20 30.01 25.46 24.64 27.97 25.08 22.66 29.57 27.70 24.24 19.22 16.57 36.93 37.09 42.85

42.85 Page 113 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

15/12/2010

DATE

15/03/2011

Wood, Bamboo and Rattan

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,029 596 725 509 624 495 434 531 386 263 186 323 192 354 312 540 642 272 345 24 8,782

1,029 11.72 1,625 6.79 2,350 8.26 2,859 5.80 3,483 7.11 3,978 5.64 4,412 4.94 4,943 6.05 5,329 4.40 5,592 2.99 5,778 2.12 6,101 3.68 6,293 2.19 6,647 4.03 6,959 3.55 7,499 6.15 8,141 7.31 8,413 3.10 8,758 3.93 8,782 0.27

11.72 18.50 26.76 32.56 39.66 45.30 50.24 56.29 60.68 63.68 65.79 69.47 71.66 75.69 79.24 85.39 92.70 95.80 99.73 100.00

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

6,798.02 434.35 1,222.31 934.55 1,745.39 1,623.71 2,013.57 2,750.03 2,516.67 1,963.76 1,984.95 3,076.06 2,636.20 5,529.09 5,403.21 11,575.27 14,040.85 5,546.13 6,227.82 357.29

14 2 3 2 3 2 4 0 0 1 0 1 1 2 3 9 9 11 9 1

736.64 53.43 83.53 333.97 511.26 234.07 493.51 0.00 0.00 265.86 0.00 210.44 14.35 109.53 542.08 73,192.31 53,925.58 2,234.70 6,122.18 0.99

78,379.23

6,798.02 8.67 8.67 7,232.37 0.55 9.23 8,454.68 1.56 10.79 9,389.23 1.19 11.98 11,134.62 2.23 14.21 12,758.33 2.07 16.28 14,771.89 2.57 18.85 17,521.92 3.51 22.36 20,038.59 3.21 25.57 22,002.36 2.51 28.07 23,987.31 2.53 30.60 27,063.37 3.92 34.53 29,699.57 3.36 37.89 35,228.65 7.05 44.95 40,631.87 6.89 51.84 52,207.14 14.77 66.61 66,247.99 17.91 84.52 71,794.11 7.08 91.60 78,021.94 7.95 99.54 78,379.23 0.46 100.00

14 16 19 21 24 26 30 30 30 31 31 32 33 35 38 47 56 67 76 77

18.18 18.18 2.60 20.78 3.90 24.68 2.60 27.27 3.90 31.17 2.60 33.77 5.19 38.96 0.00 38.96 0.00 38.96 1.30 40.26 0.00 40.26 1.30 41.56 1.30 42.86 2.60 45.45 3.90 49.35 11.69 61.04 11.69 72.73 14.29 87.01 11.69 98.70 1.30 100.00

139,064.45

736.64 0.53 0.53 790.07 0.04 0.57 873.61 0.06 0.63 1,207.58 0.24 0.87 1,718.84 0.37 1.24 1,952.91 0.17 1.40 2,446.42 0.35 1.76 2,446.42 0.00 1.76 2,446.42 0.00 1.76 2,712.29 0.19 1.95 2,712.29 0.00 1.95 2,922.73 0.15 2.10 2,937.08 0.01 2.11 3,046.61 0.08 2.19 3,588.70 0.39 2.58 76,781.00 52.63 55.21 130,706.5 38.78 93.99 132,941.2 1.61 95.60 139,063.4 4.40 100.00 139,064.4 0.00 100.00

10.84 12.30 6.83 35.74 29.29 14.42 24.51 0.00 0.00 13.54 0.00 6.84 0.54 1.98 10.03 632.32 384.06 40.29 98.30 0.28

10.84 10.92 10.33 12.86 15.44 15.31 16.56 13.96 12.21 12.33 11.31 10.80 9.89 8.65 8.83 147.07 197.30 185.17 178.24 177.43

177.43 Page 114 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

15/12/2010

DATE

15/03/2011

Nutritional, Drinks and Tobacco

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

8,773 2,995 2,921 1,935 2,258 1,561 1,146 1,398 955 694 615 996 668 1,200 755 1,838 2,106 1,143 1,286 527 35,770

8,773 24.53 11,768 8.37 14,689 8.17 16,624 5.41 18,882 6.31 20,443 4.36 21,589 3.20 22,987 3.91 23,942 2.67 24,636 1.94 25,251 1.72 26,247 2.78 26,915 1.87 28,115 3.35 28,870 2.11 30,708 5.14 32,814 5.89 33,957 3.20 35,243 3.60 35,770 1.47

24.53 32.90 41.07 46.47 52.79 57.15 60.36 64.26 66.93 68.87 70.59 73.38 75.24 78.60 80.71 85.85 91.74 94.93 98.53 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 16,891.30 16,891.30 14.96 14.96 794.54 17,685.84 0.70 15.66 1,563.88 19,249.71 1.39 17.05 1,197.41 20,447.13 1.06 18.11 2,024.17 22,471.30 1.79 19.90 2,145.77 24,617.08 1.90 21.80 1,826.76 26,443.84 1.62 23.42 2,924.20 29,368.03 2.59 26.01 2,474.28 31,842.32 2.19 28.20 1,977.02 33,819.34 1.75 29.95 2,213.56 36,032.90 1.96 31.91 4,422.17 40,455.07 3.92 35.83 3,301.52 43,756.58 2.92 38.75 6,149.12 49,905.70 5.45 44.20 5,482.45 55,388.16 4.86 49.05 18,078.79 73,466.94 16.01 65.07 18,762.70 92,229.65 16.62 81.68 8,989.63 101,219.27 7.96 89.64 8,925.27 110,144.55 7.90 97.55 2,767.48 112,912.03 2.45 100.00 112,912.03

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

33 4 3 4 5 2 3 7 3 0 2 9 5 18 6 102 20 18 26 8 278

33 11.87 11.87 37 1.44 13.31 40 1.08 14.39 44 1.44 15.83 49 1.80 17.63 51 0.72 18.35 54 1.08 19.42 61 2.52 21.94 64 1.08 23.02 64 0.00 23.02 66 0.72 23.74 75 3.24 26.98 80 1.80 28.78 98 6.47 35.25 104 2.16 37.41 206 36.69 74.10 226 7.19 81.29 244 6.47 87.77 270 9.35 97.12 278 2.88 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,652.97 254.91 181.89 273.07 386.41 211.47 1,049.13 1,821.60 24.59 0.00 47.82 197.23 307.31 1,852.27 109.37 11,763.30 14,669.73 -27,863.12 6,749.42 223.45 14,912.83

2,652.97 2,907.89 3,089.78 3,362.85 3,749.26 3,960.73 5,009.86 6,831.46 6,856.06 6,856.06 6,903.88 7,101.11 7,408.42 9,260.69 9,370.06 21,133.36 35,803.09 7,939.97 14,689.38 14,912.83

17.79 1.71 1.22 1.83 2.59 1.42 7.04 12.22 0.16 0.00 0.32 1.32 2.06 12.42 0.73 78.88 98.37 -187 45.26 1.50

17.79 19.50 20.72 22.55 25.14 26.56 33.59 45.81 45.97 45.97 46.29 47.62 49.68 62.10 62.83 141.71 240.08 53.24 98.50 100.00

15.71 32.08 11.63 22.80 19.09 9.86 57.43 62.29 0.99 0.00 2.16 4.46 9.31 30.12 1.99 65.07 78.19 -310 75.62 8.07

15.71 16.44 16.05 16.45 16.68 16.09 18.95 23.26 21.53 20.27 19.16 17.55 16.93 18.56 16.92 28.77 38.82 7.84 13.34 13.21

13.21

Page 115 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

15/12/2010

DATE

15/03/2011

Power and Heating

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 125 12 14 8 17 44 108 76 25 18 11 27 7 27 42 59 75 36 83 199 1,013

125 12.34 137 1.18 151 1.38 159 0.79 176 1.68 220 4.34 328 10.66 404 7.50 429 2.47 447 1.78 458 1.09 485 2.67 492 0.69 519 2.67 561 4.15 620 5.82 695 7.40 731 3.55 814 8.19 1,013 19.64

12.34 13.52 14.91 15.70 17.37 21.72 32.38 39.88 42.35 44.13 45.21 47.88 48.57 51.23 55.38 61.20 68.61 72.16 80.36 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,001.14 37.67 3.12 3.34 10.90 25.20 87.87 71.48 31.48 27.85 25.29 70.78 19.22 147.56 383.44 532.31 1,518.18 394.50 1,894.01 2,746.75 9,032.09

1,001.14 1,038.80 1,041.93 1,045.27 1,056.17 1,081.37 1,169.24 1,240.72 1,272.20 1,300.05 1,325.34 1,396.12 1,415.34 1,562.90 1,946.34 2,478.65 3,996.83 4,391.34 6,285.34 9,032.09

11.08 11.08 0.42 11.50 0.03 11.54 0.04 11.57 0.12 11.69 0.28 11.97 0.97 12.95 0.79 13.74 0.35 14.09 0.31 14.39 0.28 14.67 0.78 15.46 0.21 15.67 1.63 17.30 4.25 21.55 5.89 27.44 16.81 44.25 4.37 48.62 20.97 69.59 30.41 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 2 0 0 0 0 0 0 0 0 0 0 0 0 0 2 0 1 0 2 1 8

2 2 2 2 2 2 2 2 2 2 2 2 2 2 4 4 5 5 7 8

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 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 25.00 50.00 0.00 50.00 12.50 62.50 0.00 62.50 25.00 87.50 12.50 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 30,729.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 333.87 0.00 866.72 0.00 115.34 75,888.00 107,933.1

30,729.17 28.47 30,729.17 0.00 30,729.17 0.00 30,729.17 0.00 30,729.17 0.00 30,729.17 0.00 30,729.17 0.00 30,729.17 0.00 30,729.17 0.00 30,729.17 0.00 30,729.17 0.00 30,729.17 0.00 30,729.17 0.00 30,729.17 0.00 31,063.03 0.31 31,063.03 0.00 31,929.75 0.80 31,929.75 0.00 32,045.10 0.11 107,933.1 70.31

28.47 3069.4 3069.4 28.47 0.00 2958.1 28.47 0.00 2949.2 28.47 0.00 2939.8 28.47 0.00 2909.4 28.47 0.00 2841.6 28.47 0.00 2628.1 28.47 0.00 2476.7 28.47 0.00 2415.4 28.47 0.00 2363.6 28.47 0.00 2318.5 28.47 0.00 2201.0 28.47 0.00 2171.1 28.47 0.00 1966.1 28.78 87.07 1595.9 28.78 0.00 1253.2 29.58 57.09 798.88 29.58 0.00 727.11 29.69 6.09 509.84 100.00 2762.8 1195.0 1195.0 Page 116 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

15/12/2010

DATE

15/03/2011

Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotels, Entertainment, Sports and Services, The Caring Services,

BAND

SUM INSURED Mid Points (In Million) From To

Motor Vehicle Repair Shops, Private Buildings, Property 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.

176,542 153,003 202,452 127,916 143,957 75,464 54,538 42,243 23,142 12,569 9,672 11,255 7,313 8,791 5,293 7,722 5,665 2,416 2,646 766

283 106 257 190 256 140 130 131 70 54 56 65 38 66 101 81 136 45 100 182

1,073,3

176,542 329,545 531,997 659,913 803,870 879,334 933,872 976,115 999,257 1,011,82 1,021,49 1,032,75 1,040,06 1,048,85 1,054,15 1,061,87 1,067,53 1,069,95 1,072,59 1,073,36

16.45 14.25 18.86 11.92 13.41 7.03 5.08 3.94 2.16 1.17 0.90 1.05 0.68 0.82 0.49 0.72 0.53 0.23 0.25 0.07

16.45 30.70 49.56 61.48 74.89 81.92 87.00 90.94 93.10 94.27 95.17 96.22 96.90 97.72 98.21 98.93 99.46 99.68 99.93 100.0

77,346.05 31,793.80 73,231.08 72,654.67 125,307.38 95,086.98 96,337.42 94,772.61 67,986.79 45,524.47 43,047.63 51,380.61 40,617.60 56,741.63 41,083.13 78,249.51 65,628.17 34,643.35 50,599.04 77,456.61 1,319,488.53

77,346.05 109,139.86 182,370.94 255,025.61 380,332.99 475,419.97 571,757.39 666,530.00 734,516.79 780,041.26 823,088.88 874,469.49 915,087.09 971,828.72 1,012,911.84 1,091,161.35 1,156,789.52 1,191,432.88 1,242,031.92 1,319,488.53

5.86 5.86 2.41 8.27 5.55 13.82 5.51 19.33 9.50 28.82 7.21 36.03 7.30 43.33 7.18 50.51 5.15 55.67 3.45 59.12 3.26 62.38 3.89 66.27 3.08 69.35 4.30 73.65 3.11 76.77 5.93 82.70 4.97 87.67 2.63 90.30 3.83 94.13 5.87 100.00

2,487

283 11.38 11.38 389 4.26 15.64 646 10.33 25.98 836 7.64 33.61 1,09 10.29 43.91 1,23 5.63 49.54 1,36 5.23 54.76 1,49 5.27 60.03 1,56 2.81 62.85 1,61 2.17 65.02 1,67 2.25 67.27 1,73 2.61 69.88 1,77 1.53 71.41 1,84 2.65 74.07 1,94 4.06 78.13 2,02 3.26 81.38 2,16 5.47 86.85 2,20 1.81 88.66 2,30 4.02 92.68 2,48 7.32 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 26,705.89 5,077.77 14,669.05 15,871.94 32,526.48 23,908.29 23,575.83 12,113.60 17,537.49 11,754.60 9,726.38 24,965.77 9,567.39 18,249.03 8,035.19 42,148.59 81,195.01 31,454.71 228,736.63 170,402.27

26,705.89 3.30 3.30 34.53 31,783.66 0.63 3.93 15.97 46,452.71 1.81 5.75 20.03 62,324.66 1.96 7.71 21.85 94,851.14 4.02 11.74 25.96 118,759.43 2.96 14.69 25.14 142,335.26 2.92 17.61 24.47 154,448.86 1.50 19.11 12.78 171,986.35 2.17 21.28 25.80 183,740.94 1.45 22.73 25.82 193,467.32 1.20 23.94 22.59 218,433.09 3.09 27.03 48.59 228,000.48 1.18 28.21 23.55 246,249.51 2.26 30.47 32.16 254,284.70 0.99 31.46 19.56 296,433.29 5.21 36.68 53.86 377,628.30 10.05 46.72 123.72 409,083.01 3.89 50.62 90.80 637,819.65 28.30 78.92 452.06 808,221.91 21.08 100.00 220.00

808,221.91

61.25

34.53 29.12 25.47 24.44 24.94 24.98 24.89 23.17 23.41 23.56 23.51 24.98 24.92 25.34 25.10 27.17 32.64 34.34 51.35 61.25

Page 117 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 30

DATA POSITION FROM : TO PROCESSING

01/01/2009

15/12/2010

DATE :

15/03/2011

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.

81 26 32 21 31 48 35 29 29 32 11 42 18 32 15 44 15 2 3 1

22.06 15.15 32.85 46.87 179.42 120.24 62.02 94.33 121.89 142.34 66.59 243.34 119.94 234.75 63.85 443.33 572.84 0.00 463.48 0.00

547

81 14.81 107 4.75 139 5.85 160 3.84 191 5.67 239 8.78 274 6.40 303 5.30 332 5.30 364 5.85 375 2.01 417 7.68 435 3.29 467 5.85 482 2.74 526 8.04 541 2.74 543 0.37 546 0.55 547 0.18

14.81 19.56 25.41 29.25 34.92 43.69 50.09 55.39 60.69 66.54 68.56 76.23 79.52 85.37 88.12 96.16 98.90 99.27 99.82 100.00

3,045.29

22.06 37.22 70.06 116.94 296.35 416.59 478.62 572.95 694.84 837.19 903.77 1,147.11 1,267.05 1,501.79 1,565.64 2,008.97 2,581.81 2,581.81 3,045.29 3,045.29

0.72 0.50 1.08 1.54 5.89 3.95 2.04 3.10 4.00 4.67 2.19 7.99 3.94 7.71 2.10 14.56 18.81 0.00 15.22 0.00

0.72 1.22 2.30 3.84 9.73 13.68 15.72 18.81 22.82 27.49 29.68 37.67 41.61 49.32 51.41 65.97 84.78 84.78 100.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 3 0 0 3 3 1 0 0 0

0 0 0 0 0 0 0 0 0 0 0 3 3 3 6 9 10 10 10 10

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 30.00 0.00 0.00 30.00 30.00 10.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 30.00 30.00 30.00 60.00 90.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,792. 0.00 0.00 64.69 73.41 1.78 0.00 0.00 0.00 1,932.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,792.4 92.76 1,792.4 0.00 1,792.4 0.00 1,857.1 3.35 1,930.5 3.80 1,932.3 0.09 1,932.3 0.00 1,932.3 0.00 1,932.3 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 92.76 92.76 92.76 96.11 99.91 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 736.62 0.00 0.00 101.31 16.56 0.31 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 0.00 156.26 141.47 119.35 118.62 96.10 74.84 74.84 63.45 63.45

63.45

Page 118 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

15/12/2010

DATE

15/03/2011

Estate Plantation Risk

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

64 41 53 52 89 54 44 45 40 24 24 79 45 76 53 99 139 133 93 26

202.86 38.31 16.20 81.02 51.39 54.49 45.13 136.06 127.08 503.51 143.71 358.33 248.94 353.00 512.10 931.83 2,838.61 1,859.79 803.26 3,524.82

1,273

64 5.03 105 3.22 158 4.16 210 4.08 299 6.99 353 4.24 397 3.46 442 3.53 482 3.14 506 1.89 530 1.89 609 6.21 654 3.53 730 5.97 783 4.16 882 7.78 1,021 10.92 1,154 10.45 1,247 7.31 1,273 2.04

5.03 8.25 12.41 16.50 23.49 27.73 31.19 34.72 37.86 39.75 41.63 47.84 51.37 57.34 61.51 69.29 80.20 90.65 97.96 100.00

12,830.44

202.86 241.17 257.37 338.39 389.78 444.27 489.40 625.46 752.54 1,256.05 1,399.77 1,758.10 2,007.03 2,360.03 2,872.14 3,803.97 6,642.58 8,502.37 9,305.63 12,830.44

1.58 1.58 0.30 1.88 0.13 2.01 0.63 2.64 0.40 3.04 0.42 3.46 0.35 3.81 1.06 4.87 0.99 5.87 3.92 9.79 1.12 10.91 2.79 13.70 1.94 15.64 2.75 18.39 3.99 22.39 7.26 29.65 22.12 51.77 14.50 66.27 6.26 72.53 27.47 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 6 0 2 0 2 6 0 0 3 0 0 19

0 0 0 0 0 0 0 0 0 6 6 8 8 10 16 16 16 19 19 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 31.58 31.58 0.00 31.58 10.53 42.11 0.00 42.11 10.53 52.63 31.58 84.21 0.00 84.21 0.00 84.21 15.79 100.00 0.00 100.00 0.00 100.00

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 0.00 281.09 0.00 1,000.00 0.00 154.67 653.99 0.00 0.00 2,494.43 0.00 0.00 4,584.18

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 281.09 281.09 1,281.09 1,281.09 1,435.76 2,089.75 2,089.75 2,089.75 4,584.18 4,584.18 4,584.18

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.13 0.00 21.81 0.00 3.37 14.27 0.00 0.00 54.41 0.00 0.00

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 0.00 0.00 0.00 0.00 6.13 55.83 6.13 0.00 27.95 279.07 27.95 0.00 31.32 43.82 45.59 127.71 45.59 0.00 45.59 0.00 100.00 134.12 100.00 0.00 100.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 22.38 20.08 72.87 63.83 60.84 72.76 54.94 31.46 53.92 49.26 35.73

35.73

Page 119 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

15/12/2010

DATE

15/03/2011

Recreation Place

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 13 26 11 2 12 1 2 16 1 9 1 1 1 28 3 39 13 8 8 1 196

13 6.63 39 13.27 50 5.61 52 1.02 64 6.12 65 0.51 67 1.02 83 8.16 84 0.51 93 4.59 94 0.51 95 0.51 96 0.51 124 14.29 127 1.53 166 19.90 179 6.63 187 4.08 195 4.08 196 0.51

6.63 19.90 25.51 26.53 32.65 33.16 34.18 42.35 42.86 47.45 47.96 48.47 48.98 63.27 64.80 84.69 91.33 95.41 99.49 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1.83 57.82 19.01 1.74 11.26 5.27 3.97 60.63 7.34 63.53 22.58 15.27 15.27 467.36 60.33 664.50 529.75 511.08 2,358.61 1.12 4,878.27

1.83 59.65 78.66 80.40 91.66 96.93 100.90 161.54 168.87 232.40 254.98 270.25 285.52 752.88 813.21 1,477.71 2,007.46 2,518.54 4,877.15 4,878.27

0.04 0.04 1.19 1.22 0.39 1.61 0.04 1.65 0.23 1.88 0.11 1.99 0.08 2.07 1.24 3.31 0.15 3.46 1.30 4.76 0.46 5.23 0.31 5.54 0.31 5.85 9.58 15.43 1.24 16.67 13.62 30.29 10.86 41.15 10.48 51.63 48.35 99.98 0.02 100.00

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

0 0.00 0.00 0 0.00 0.00 1 20.00 20.00 1 0.00 20.00 1 0.00 20.00 1 0.00 20.00 1 0.00 20.00 1 0.00 20.00 1 0.00 20.00 1 0.00 20.00 1 0.00 20.00 1 0.00 20.00 1 0.00 20.00 1 0.00 20.00 1 0.00 20.00 1 0.00 20.00 3 40.00 60.00 5 40.00 100.00 5 0.00 100.00 5 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 33.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 275.45 65.73 0.00 0.00 374.98

0.00 0.00 0.00 0.00 33.80 9.01 33.80 0.00 33.80 0.00 33.80 0.00 33.80 0.00 33.80 0.00 33.80 0.00 33.80 0.00 33.80 0.00 33.80 0.00 33.80 0.00 33.80 0.00 33.80 0.00 33.80 0.00 309.26 73.46 374.98 17.53 374.98 0.00 374.98 0.00

0.00 0.00 0.00 0.00 9.01 177.86 9.01 0.00 9.01 0.00 9.01 0.00 9.01 0.00 9.01 0.00 9.01 0.00 9.01 0.00 9.01 0.00 9.01 0.00 9.01 0.00 9.01 0.00 9.01 0.00 9.01 0.00 82.47 52.00 100.00 12.86 100.00 0.00 100.00 0.00

0.00 0.00 42.98 42.05 36.88 34.87 33.50 20.93 20.02 14.55 13.26 12.51 11.84 4.49 4.16 2.29 15.41 14.89 7.69 7.69

7.69

Page 120 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 40

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2010

DATE

15/03/2011

Non Estate Plantation Risk

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,361 511 621 28 52 25 21 19 20 17 15 11 17 31 18 61 84 19 56 17 3,004

1,361 45.31 1,872 17.01 2,493 20.67 2,521 0.93 2,573 1.73 2,598 0.83 2,619 0.70 2,638 0.63 2,658 0.67 2,675 0.57 2,690 0.50 2,701 0.37 2,718 0.57 2,749 1.03 2,767 0.60 2,828 2.03 2,912 2.80 2,931 0.63 2,987 1.86 3,004 0.57

45.31 62.32 82.99 83.92 85.65 86.48 87.18 87.82 88.48 89.05 89.55 89.91 90.48 91.51 92.11 94.14 96.94 97.57 99.43 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,351.79 168.44 288.72 27.20 70.15 47.86 61.53 60.45 83.99 57.52 90.00 56.30 230.95 334.52 205.41 1,466.16 2,813.08 349.93 664.08 184.26 9,612.35

2,351.79 24.47 24.47 2,520.23 1.75 26.22 2,808.95 3.00 29.22 2,836.14 0.28 29.51 2,906.29 0.73 30.23 2,954.15 0.50 30.73 3,015.69 0.64 31.37 3,076.14 0.63 32.00 3,160.13 0.87 32.88 3,217.65 0.60 33.47 3,307.65 0.94 34.41 3,363.95 0.59 35.00 3,594.90 2.40 37.40 3,929.42 3.48 40.88 4,134.83 2.14 43.02 5,600.99 15.25 58.27 8,414.07 29.27 87.53 8,764.01 3.64 91.17 9,428.08 6.91 98.08 9,612.35 1.92 100.00

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

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 20.00 20.00 1 0.00 20.00 1 0.00 20.00 1 0.00 20.00 5 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 4,766.91 0.00 0.00 0.00 47.91 4,814.82

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4,766.91 99.00 4,766.91 0.00 4,766.91 0.00 4,766.91 0.00 4,814.82 1.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 99.00 325.13 99.00 0.00 99.00 0.00 99.00 0.00 100.00 26.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 85.11 56.65 54.39 50.56 50.09

50.09

Page 121 of 204

RISK AND LOSS PROFILE 2009 GROUP BY PROVINCE

PT. REASURANSI INTERNASIONAL 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. 2,030 1,956 2,521 1,526 1,416 484 406 262 150 52 40 61 29 43 20 43 42 25 17 23 11,146

2,030 3,986 6,507 8,033 9,449 9,933 10,339 10,601 10,751 10,803 10,843 10,904 10,933 10,976 10,996 11,039 11,081 11,106 11,123 11,146

18.21 17.55 22.62 13.69 12.70 4.34 3.64 2.35 1.35 0.47 0.36 0.55 0.26 0.39 0.18 0.39 0.38 0.22 0.15 0.21

18.21 35.76 58.38 72.07 84.77 89.12 92.76 95.11 96.46 96.92 97.28 97.83 98.09 98.47 98.65 99.04 99.42 99.64 99.79 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 478.00 643.88 1,558.36 1,511.68 1,965.37 1,116.32 1,143.07 979.89 596.56 250.79 272.78 325.13 181.85 379.51 239.60 743.38 965.11 782.56 249.61 1,880.21 16,263.66

478.00 2.94 2.94 1,121.88 3.96 6.90 2,680.23 9.58 16.48 4,191.92 9.29 25.77 6,157.29 12.08 37.86 7,273.61 6.86 44.72 8,416.68 7.03 51.75 9,396.57 6.03 57.78 9,993.12 3.67 61.44 10,243.91 1.54 62.99 10,516.70 1.68 64.66 10,841.83 2.00 66.66 11,023.68 1.12 67.78 11,403.19 2.33 70.11 11,642.79 1.47 71.59 12,386.17 4.57 76.16 13,351.28 5.93 82.09 14,133.84 4.81 86.90 14,383.45 1.53 88.44 16,263.66 11.56 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 1 2 3 2 1 0 1 1 0 0 0 0 0 0 0 0 1 0 0 0 12

1 8.33 8.33 3 16.67 25.00 6 25.00 50.00 8 16.67 66.67 9 8.33 75.00 9 0.00 75.00 10 8.33 83.33 11 8.33 91.67 11 0.00 91.67 11 0.00 91.67 11 0.00 91.67 11 0.00 91.67 11 0.00 91.67 11 0.00 91.67 11 0.00 91.67 11 0.00 91.67 12 8.33 100.00 12 0.00 100.00 12 0.00 100.00 12 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 10.33 109.98 274.93 27.37 272.99 0.00 60.49 712.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 77.64 0.00 0.00 0.00 1,545.95

10.33 0.67 120.30 7.11 395.23 17.78 422.59 1.77 695.58 17.66 695.58 0.00 756.07 3.91 1,468.31 46.07 1,468.31 0.00 1,468.31 0.00 1,468.31 0.00 1,468.31 0.00 1,468.31 0.00 1,468.31 0.00 1,468.31 0.00 1,468.31 0.00 1,545.95 5.02 1,545.95 0.00 1,545.95 0.00 1,545.95 0.00

0.67 7.78 25.57 27.34 44.99 44.99 48.91 94.98 94.98 94.98 94.98 94.98 94.98 94.98 94.98 94.98 100.00 100.00 100.00 100.00

2.16 17.08 17.64 1.81 13.89 0.00 5.29 72.69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.04 0.00 0.00 0.00

2.16 10.72 14.75 10.08 11.30 9.56 8.98 15.63 14.69 14.33 13.96 13.54 13.32 12.88 12.61 11.85 11.58 10.94 10.75 9.51

9.51

Page 122 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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 19,445 13,583 17,576 11,618 11,642 5,297 3,828 2,668 1,527 826 723 902 587 722 446 771 825 358 359 78 93,781

19,445 33,028 50,604 62,222 73,864 79,161 82,989 85,657 87,184 88,010 88,733 89,635 90,222 90,944 91,390 92,161 92,986 93,344 93,703 93,781

20.73 14.48 18.74 12.39 12.41 5.65 4.08 2.84 1.63 0.88 0.77 0.96 0.63 0.77 0.48 0.82 0.88 0.38 0.38 0.08

20.73 35.22 53.96 66.35 78.76 84.41 88.49 91.34 92.97 93.85 94.62 95.58 96.20 96.97 97.45 98.27 99.15 99.53 99.92 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 13,845.46 2,427.13 5,671.65 6,310.89 10,233.11 6,912.60 7,360.62 6,753.11 5,094.21 3,349.66 3,462.94 4,648.12 3,962.41 6,028.37 4,493.95 9,927.62 12,799.96 4,406.05 6,608.41 851.26 125,147.55

13,845.46 11.06 11.06 16,272.59 1.94 13.00 21,944.25 4.53 17.53 28,255.13 5.04 22.58 38,488.24 8.18 30.75 45,400.84 5.52 36.28 52,761.46 5.88 42.16 59,514.58 5.40 47.56 64,608.79 4.07 51.63 67,958.45 2.68 54.30 71,421.39 2.77 57.07 76,069.51 3.71 60.78 80,031.92 3.17 63.95 86,060.30 4.82 68.77 90,554.25 3.59 72.36 100,481.87 7.93 80.29 113,281.83 10.23 90.52 117,687.88 3.52 94.04 124,296.29 5.28 99.32 125,147.55 0.68 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 16 6 7 10 15 10 15 6 5 6 3 3 3 5 5 11 8 6 12 0 152

16 10.53 10.53 22 3.95 14.47 29 4.61 19.08 39 6.58 25.66 54 9.87 35.53 64 6.58 42.11 79 9.87 51.97 85 3.95 55.92 90 3.29 59.21 96 3.95 63.16 99 1.97 65.13 102 1.97 67.11 105 1.97 69.08 110 3.29 72.37 115 3.29 75.66 126 7.24 82.89 134 5.26 88.16 140 3.95 92.11 152 7.89 100.00 152 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 5,852.09 439.02 511.04 963.41 1,416.91 393.74 2,499.00 1,577.25 1,163.23 2,072.82 474.67 83.71 196.93 1,248.01 100.24 493.24 1,234.38 633.84 648.02 0.00 22,001.57

5,852.09 26.60 6,291.12 2.00 6,802.16 2.32 7,765.57 4.38 9,182.48 6.44 9,576.22 1.79 12,075.22 11.36 13,652.47 7.17 14,815.70 5.29 16,888.52 9.42 17,363.19 2.16 17,446.90 0.38 17,643.83 0.90 18,891.84 5.67 18,992.07 0.46 19,485.32 2.24 20,719.70 5.61 21,353.54 2.88 22,001.57 2.95 22,001.57 0.00

26.60 28.59 30.92 35.30 41.74 43.53 54.88 62.05 67.34 76.76 78.92 79.30 80.19 85.87 86.32 88.56 94.17 97.05 100.00 100.00

42.27 18.09 9.01 15.27 13.85 5.70 33.95 23.36 22.83 61.88 13.71 1.80 4.97 20.70 2.23 4.97 9.64 14.39 9.81 0.00

42.27 38.66 31.00 27.48 23.86 21.09 22.89 22.94 22.93 24.85 24.31 22.94 22.05 21.95 20.97 19.39 18.29 18.14 17.70 17.58

17.58

Page 123 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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 4,759 5,785 8,718 5,378 4,574 1,687 1,260 768 513 239 221 278 207 214 155 187 134 106 59 9 35,251

4,759 10,544 19,262 24,640 29,214 30,901 32,161 32,929 33,442 33,681 33,902 34,180 34,387 34,601 34,756 34,943 35,077 35,183 35,242 35,251

13.50 16.41 24.73 15.26 12.98 4.79 3.57 2.18 1.46 0.68 0.63 0.79 0.59 0.61 0.44 0.53 0.38 0.30 0.17 0.03

13.50 29.91 54.64 69.90 82.87 87.66 91.23 93.41 94.87 95.55 96.17 96.96 97.55 98.16 98.60 99.13 99.51 99.81 99.97 100.00

DATA POSITION FROM PROCESSING

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

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

3,195.04 1,006.13 2,385.50 2,333.02 3,918.19 2,429.98 2,605.42 2,028.86 1,636.28 789.04 795.31 966.31 581.45 805.35 632.06 1,369.85 2,226.17 1,458.41 494.17 2,446.46

3,195.04 9.37 9.37 28 4,201.17 2.95 12.32 31 6,586.67 6.99 19.31 97 8,919.69 6.84 26.16 78 12,837.88 11.49 37.64 132 15,267.86 7.13 44.77 63 17,873.27 7.64 52.41 49 19,902.14 5.95 58.36 29 21,538.42 4.80 63.16 31 22,327.46 2.31 65.47 17 23,122.77 2.33 67.80 22 24,089.09 2.83 70.64 27 24,670.53 1.70 72.34 18 25,475.88 2.36 74.70 19 26,107.95 1.85 76.56 18 27,477.80 4.02 80.57 19 29,703.97 6.53 87.10 17 31,162.38 4.28 91.38 5 31,656.55 1.45 92.83 6 34,103.02 7.17 100.00 0

34,103.02

706

28 3.97 3.97 59 4.39 8.36 156 13.74 22.10 234 11.05 33.14 366 18.70 51.84 429 8.92 60.76 478 6.94 67.71 507 4.11 71.81 538 4.39 76.20 555 2.41 78.61 577 3.12 81.73 604 3.82 85.55 622 2.55 88.10 641 2.69 90.79 659 2.55 93.34 678 2.69 96.03 695 2.41 98.44 700 0.71 99.15 706 0.85 100.00 706 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 1,722.42 928.32 4,319.50 6,208.56 23,361.40 16,468.09 10,099.14 6,011.76 12,200.54 7,298.84 3,305.85 15,653.49 3,066.74 4,093.20 4,934.52 20,238.98 58,474.94 30,558.11 178,119.23 0.00 407,063.63

1,722.42 0.42 2,650.74 0.23 6,970.24 1.06 13,178.80 1.53 36,540.21 5.74 53,008.29 4.05 63,107.43 2.48 69,119.19 1.48 81,319.74 3.00 88,618.57 1.79 91,924.43 0.81 107,577.91 3.85 110,644.65 0.75 114,737.85 1.01 119,672.37 1.21 139,911.34 4.97 198,386.28 14.37 228,944.39 7.51 407,063.63 43.76 407,063.63 0.00

0.42 0.65 1.71 3.24 8.98 13.02 15.50 16.98 19.98 21.77 22.58 26.43 27.18 28.19 29.40 34.37 48.74 56.24 100.00 100.00

53.91 92.27 181.07 266.12 596.23 677.70 387.62 296.31 745.63 925.02 415.67 1619.9 527.43 508.25 780.70 1477.4 2626.7 2095.3 36043. 0.00

53.91 63.10 105.82 147.75 284.63 347.19 353.08 347.30 377.56 396.90 397.55 446.58 448.49 450.38 458.38 509.18 667.88 734.68 1285.8 1193.6

1193.6

Page 124 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. 8,910 7,171 9,588 5,939 5,967 2,341 1,519 1,173 639 350 218 293 207 324 138 308 347 291 235 67 46,025

8,910 16,081 25,669 31,608 37,575 39,916 41,435 42,608 43,247 43,597 43,815 44,108 44,315 44,639 44,777 45,085 45,432 45,723 45,958 46,025

DATA POSITION FROM

19.36 15.58 20.83 12.90 12.96 5.09 3.30 2.55 1.39 0.76 0.47 0.64 0.45 0.70 0.30 0.67 0.75 0.63 0.51 0.15

19.36 34.94 55.77 68.68 81.64 86.73 90.03 92.58 93.96 94.72 95.20 95.83 96.28 96.99 97.29 97.96 98.71 99.34 99.85 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,054.93 1,763.95 4,264.61 4,697.86 7,473.71 4,462.55 4,172.64 3,797.59 2,714.31 1,690.19 1,294.61 1,744.18 1,626.56 2,145.19 1,254.04 4,087.72 4,741.74 2,206.79 3,041.53 4,029.38 67,264.07

6,054.93 9.00 9.00 7,818.88 2.62 11.62 12,083.49 6.34 17.96 16,781.35 6.98 24.95 24,255.06 11.11 36.06 28,717.62 6.63 42.69 32,890.26 6.20 48.90 36,687.85 5.65 54.54 39,402.16 4.04 58.58 41,092.35 2.51 61.09 42,386.96 1.92 63.02 44,131.14 2.59 65.61 45,757.69 2.42 68.03 47,902.88 3.19 71.22 49,156.92 1.86 73.08 53,244.64 6.08 79.16 57,986.37 7.05 86.21 60,193.16 3.28 89.49 63,234.69 4.52 94.01 67,264.07 5.99 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 2 0 11 5 3 2 3 0 1 0 0 0 2 1 0 1 2 2 7 0 42

2 4.76 4.76 2 0.00 4.76 13 26.19 30.95 18 11.90 42.86 21 7.14 50.00 23 4.76 54.76 26 7.14 61.90 26 0.00 61.90 27 2.38 64.29 27 0.00 64.29 27 0.00 64.29 27 0.00 64.29 29 4.76 69.05 30 2.38 71.43 30 0.00 71.43 31 2.38 73.81 33 4.76 78.57 35 4.76 83.33 42 16.67 100.00 42 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 925.55 0.00 855.09 781.69 41.49 634.00 91.42 0.00 23.68 0.00 0.00 0.00 21.01 14.59 0.00 8.42 27.55 1,086.37 350.37 0.00 4,861.23

925.55 925.55 1,780.64 2,562.33 2,603.82 3,237.82 3,329.23 3,329.23 3,352.91 3,352.91 3,352.91 3,352.91 3,373.92 3,388.52 3,388.52 3,396.94 3,424.49 4,510.87 4,861.23 4,861.23

19.04 0.00 17.59 16.08 0.85 13.04 1.88 0.00 0.49 0.00 0.00 0.00 0.43 0.30 0.00 0.17 0.57 22.35 7.21 0.00

19.04 19.04 36.63 52.71 53.56 66.60 68.49 68.49 68.97 68.97 68.97 68.97 69.40 69.70 69.70 69.88 70.44 92.79 100.00 100.00

15.29 0.00 20.05 16.64 0.56 14.21 2.19 0.00 0.87 0.00 0.00 0.00 1.29 0.68 0.00 0.21 0.58 49.23 11.52 0.00

15.29 11.84 14.74 15.27 10.74 11.27 10.12 9.07 8.51 8.16 7.91 7.60 7.37 7.07 6.89 6.38 5.91 7.49 7.69 7.23

7.23

Page 125 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. 2,448 2,338 3,056 1,794 1,690 691 417 303 181 102 51 93 54 84 51 65 90 81 57 8 13,654

2,448 4,786 7,842 9,636 11,326 12,017 12,434 12,737 12,918 13,020 13,071 13,164 13,218 13,302 13,353 13,418 13,508 13,589 13,646 13,654

DATA POSITION FROM

17.93 17.12 22.38 13.14 12.38 5.06 3.05 2.22 1.33 0.75 0.37 0.68 0.40 0.62 0.37 0.48 0.66 0.59 0.42 0.06

17.93 35.05 57.43 70.57 82.95 88.01 91.06 93.28 94.61 95.36 95.73 96.41 96.81 97.42 97.80 98.27 98.93 99.52 99.94 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,148.03 656.64 1,509.01 1,442.09 2,044.16 1,325.37 1,047.96 868.17 713.69 412.08 265.74 478.09 425.83 562.76 399.27 1,291.01 1,450.66 868.24 566.40 515.45 17,990.65

1,148.03 6.38 6.38 1,804.67 3.65 10.03 3,313.68 8.39 18.42 4,755.77 8.02 26.43 6,799.92 11.36 37.80 8,125.29 7.37 45.16 9,173.25 5.83 50.99 10,041.41 4.83 55.81 10,755.10 3.97 59.78 11,167.18 2.29 62.07 11,432.92 1.48 63.55 11,911.01 2.66 66.21 12,336.84 2.37 68.57 12,899.60 3.13 71.70 13,298.87 2.22 73.92 14,589.89 7.18 81.10 16,040.55 8.06 89.16 16,908.80 4.83 93.99 17,475.20 3.15 97.13 17,990.65 2.87 100.00

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

2 3 3 3 5 5 5 5 5 5 5 5 5 5 5 5 5 7 7 7

28.57 28.57 14.29 42.86 0.00 42.86 0.00 42.86 28.57 71.43 0.00 71.43 0.00 71.43 0.00 71.43 0.00 71.43 0.00 71.43 0.00 71.43 0.00 71.43 0.00 71.43 0.00 71.43 0.00 71.43 0.00 71.43 0.00 71.43 28.57 100.00 0.00 100.00 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 34.59 8.76 0.00 0.00 209.69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,479.78 0.00 0.00 1,732.81

34.59 2.00 43.34 0.51 43.34 0.00 43.34 0.00 253.03 12.10 253.03 0.00 253.03 0.00 253.03 0.00 253.03 0.00 253.03 0.00 253.03 0.00 253.03 0.00 253.03 0.00 253.03 0.00 253.03 0.00 253.03 0.00 253.03 0.00 1,732.81 85.40 1,732.81 0.00 1,732.81 0.00

2.00 3.01 2.50 1.33 2.50 0.00 2.50 0.00 14.60 10.26 14.60 0.00 14.60 0.00 14.60 0.00 14.60 0.00 14.60 0.00 14.60 0.00 14.60 0.00 14.60 0.00 14.60 0.00 14.60 0.00 14.60 0.00 14.60 0.00 100.00 170.43 100.00 0.00 100.00 0.00

3.01 2.40 1.31 0.91 3.72 3.11 2.76 2.52 2.35 2.27 2.21 2.12 2.05 1.96 1.90 1.73 1.58 10.25 9.92 9.63

9.63

Page 126 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. 3,638 3,445 5,633 3,747 3,843 1,844 1,455 1,040 568 266 243 248 141 220 147 275 229 137 158 85 27,362

3,638 7,083 12,716 16,463 20,306 22,150 23,605 24,645 25,213 25,479 25,722 25,970 26,111 26,331 26,478 26,753 26,982 27,119 27,277 27,362

13.30 12.59 20.59 13.69 14.05 6.74 5.32 3.80 2.08 0.97 0.89 0.91 0.52 0.80 0.54 1.01 0.84 0.50 0.58 0.31

13.30 25.89 46.47 60.17 74.21 80.95 86.27 90.07 92.15 93.12 94.01 94.91 95.43 96.23 96.77 97.77 98.61 99.11 99.69 100.00

DATA POSITION FROM PROCESSING

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

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

6,923.60 634.04 2,091.16 2,432.37 4,116.87 2,973.07 3,149.48 2,655.50 2,010.79 1,045.99 1,228.57 1,389.01 936.24 1,349.31 1,319.58 2,869.70 4,443.73 1,722.13 4,744.39 12,693.69

10 4 5 3 4 1 1 4 0 1 0 0 0 0 2 1 23 2 3 3

60,729.22

6,923.60 11.40 11.40 7,557.64 1.04 12.44 9,648.80 3.44 15.89 12,081.17 4.01 19.89 16,198.04 6.78 26.67 19,171.12 4.90 31.57 22,320.59 5.19 36.75 24,976.09 4.37 41.13 26,986.89 3.31 44.44 28,032.88 1.72 46.16 29,261.45 2.02 48.18 30,650.46 2.29 50.47 31,586.70 1.54 52.01 32,936.01 2.22 54.23 34,255.59 2.17 56.41 37,125.29 4.73 61.13 41,569.02 7.32 68.45 43,291.14 2.84 71.29 48,035.53 7.81 79.10 60,729.22 20.90 100.00

10 14.93 14.93 14 5.97 20.90 19 7.46 28.36 22 4.48 32.84 26 5.97 38.81 27 1.49 40.30 28 1.49 41.79 32 5.97 47.76 32 0.00 47.76 33 1.49 49.25 33 0.00 49.25 33 0.00 49.25 33 0.00 49.25 33 0.00 49.25 35 2.99 52.24 36 1.49 53.73 59 34.33 88.06 61 2.99 91.04 64 4.48 95.52 67 4.48 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,288.22 146.04 223.65 185.40 319.07 244.52 5.65 59.81 0.00 452.09 0.00 0.00 0.00 0.00 342.88 38.20 3,604.76 2,336.41 32.70 16,042.07 25,321.47

1,288.22 5.09 1,434.26 0.58 1,657.91 0.88 1,843.31 0.73 2,162.39 1.26 2,406.91 0.97 2,412.56 0.02 2,472.37 0.24 2,472.37 0.00 2,924.45 1.79 2,924.45 0.00 2,924.45 0.00 2,924.45 0.00 2,924.45 0.00 3,267.33 1.35 3,305.53 0.15 6,910.29 14.24 9,246.70 9.23 9,279.39 0.13 25,321.47 63.35

5.09 5.66 6.55 7.28 8.54 9.51 9.53 9.76 9.76 11.55 11.55 11.55 11.55 11.55 12.90 13.05 27.29 36.52 36.65 100.00

LOSS RATIO PERCENTAGE BAND CUM 18.61 23.03 10.70 7.62 7.75 8.22 0.18 2.25 0.00 43.22 0.00 0.00 0.00 0.00 25.98 1.33 81.12 135.67 0.69 126.38

18.61 18.98 17.18 15.26 13.35 12.55 10.81 9.90 9.16 10.43 9.99 9.54 9.26 8.88 9.54 8.90 16.62 21.36 19.32 41.70

41.70

Page 127 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. 1,865 1,596 1,981 1,231 1,109 431 286 145 98 59 40 40 33 36 20 52 51 9 13 8 9,103

1,865 3,461 5,442 6,673 7,782 8,213 8,499 8,644 8,742 8,801 8,841 8,881 8,914 8,950 8,970 9,022 9,073 9,082 9,095 9,103

20.49 17.53 21.76 13.52 12.18 4.73 3.14 1.59 1.08 0.65 0.44 0.44 0.36 0.40 0.22 0.57 0.56 0.10 0.14 0.09

DATA POSITION FROM

20.49 38.02 59.78 73.31 85.49 90.22 93.36 94.96 96.03 96.68 97.12 97.56 97.92 98.32 98.54 99.11 99.67 99.77 99.91 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 720.27 399.85 1,343.61 812.21 1,294.26 817.07 720.08 421.56 355.68 235.22 179.48 137.80 80.31 122.19 207.64 306.08 730.82 278.36 213.70 65.14 9,441.31

720.27 7.63 7.63 1,120.12 4.24 11.86 2,463.72 14.23 26.10 3,275.94 8.60 34.70 4,570.19 13.71 48.41 5,387.26 8.65 57.06 6,107.34 7.63 64.69 6,528.90 4.47 69.15 6,884.58 3.77 72.92 7,119.80 2.49 75.41 7,299.28 1.90 77.31 7,437.09 1.46 78.77 7,517.40 0.85 79.62 7,639.58 1.29 80.92 7,847.22 2.20 83.12 8,153.30 3.24 86.36 8,884.12 7.74 94.10 9,162.47 2.95 97.05 9,376.18 2.26 99.31 9,441.31 0.69 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 1 3 1 1 3 0 0 0 0 0 0 0 0 0 0 1 0 0 0 10

0 1 4 5 6 9 9 9 9 9 9 9 9 9 9 9 10 10 10 10

0.00 10.00 30.00 10.00 10.00 30.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.00 0.00 0.00 0.00

0.00 10.00 40.00 50.00 60.00 90.00 90.00 90.00 90.00 90.00 90.00 90.00 90.00 90.00 90.00 90.00 100.00 100.00 100.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 130.42 245.78 30.00 283.34 757.31 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 299.19 0.00 0.00 0.00 1,746.03

0.00 130.42 376.20 406.20 689.54 1,446.84 1,446.84 1,446.84 1,446.84 1,446.84 1,446.84 1,446.84 1,446.84 1,446.84 1,446.84 1,446.84 1,746.03 1,746.03 1,746.03 1,746.03

0.00 7.47 14.08 1.72 16.23 43.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.14 0.00 0.00 0.00

0.00 7.47 21.55 23.26 39.49 82.86 82.86 82.86 82.86 82.86 82.86 82.86 82.86 82.86 82.86 82.86 100.00 100.00 100.00 100.00

0.00 32.62 18.29 3.69 21.89 92.69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 40.94 0.00 0.00 0.00

0.00 11.64 15.27 12.40 15.09 26.86 23.69 22.16 21.02 20.32 19.82 19.45 19.25 18.94 18.44 17.75 19.65 19.06 18.62 18.49

18.49

Page 128 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. 3,148 3,077 4,158 2,477 2,632 1,227 866 668 391 222 229 248 141 235 136 294 318 194 186 76 20,923

3,148 6,225 10,383 12,860 15,492 16,719 17,585 18,253 18,644 18,866 19,095 19,343 19,484 19,719 19,855 20,149 20,467 20,661 20,847 20,923

DATA POSITION FROM

15.05 14.71 19.87 11.84 12.58 5.86 4.14 3.19 1.87 1.06 1.09 1.19 0.67 1.12 0.65 1.41 1.52 0.93 0.89 0.36

15.05 29.75 49.62 61.46 74.04 79.91 84.05 87.24 89.11 90.17 91.26 92.45 93.12 94.25 94.90 96.30 97.82 98.75 99.64 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,889.13 533.23 1,340.42 1,426.98 2,606.44 2,168.17 1,566.50 1,766.69 1,440.27 861.61 913.86 1,159.54 876.89 1,901.14 1,202.93 3,595.33 4,368.53 2,367.67 4,644.42 556.94 38,186.68

2,889.13 7.57 7.57 3,422.35 1.40 8.96 4,762.78 3.51 12.47 6,189.75 3.74 16.21 8,796.19 6.83 23.03 10,964.36 5.68 28.71 12,530.86 4.10 32.81 14,297.54 4.63 37.44 15,737.81 3.77 41.21 16,599.42 2.26 43.47 17,513.28 2.39 45.86 18,672.81 3.04 48.90 19,549.70 2.30 51.20 21,450.85 4.98 56.17 22,653.78 3.15 59.32 26,249.11 9.42 68.74 30,617.65 11.44 80.18 32,985.32 6.20 86.38 37,629.74 12.16 98.54 38,186.68 1.46 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 5 1 4 1 1 0 1 1 0 0 0 3 4 6 4 7 2 8 3 0 51

5 9.80 9.80 6 1.96 11.76 10 7.84 19.61 11 1.96 21.57 12 1.96 23.53 12 0.00 23.53 13 1.96 25.49 14 1.96 27.45 14 0.00 27.45 14 0.00 27.45 14 0.00 27.45 17 5.88 33.33 21 7.84 41.18 27 11.76 52.94 31 7.84 60.78 38 13.73 74.51 40 3.92 78.43 48 15.69 94.12 51 5.88 100.00 51 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 234.97 99.12 329.05 300.00 2.37 0.00 96.98 13.51 0.00 0.00 0.00 65.74 105.84 348.94 356.06 696.74 2,331.22 1,422.65 2,385.77 0.00 8,788.96

234.97 2.67 334.09 1.13 663.14 3.74 963.14 3.41 965.51 0.03 965.51 0.00 1,062.49 1.10 1,076.00 0.15 1,076.00 0.00 1,076.00 0.00 1,076.00 0.00 1,141.74 0.75 1,247.58 1.20 1,596.52 3.97 1,952.58 4.05 2,649.32 7.93 4,980.55 26.52 6,403.20 16.19 8,788.96 27.15 8,788.96 0.00

2.67 3.80 7.55 10.96 10.99 10.99 12.09 12.24 12.24 12.24 12.24 12.99 14.19 18.17 22.22 30.14 56.67 72.85 100.00 100.00

8.13 18.59 24.55 21.02 0.09 0.00 6.19 0.76 0.00 0.00 0.00 5.67 12.07 18.35 29.60 19.38 53.36 60.09 51.37 0.00

8.13 9.76 13.92 15.56 10.98 8.81 8.48 7.53 6.84 6.48 6.14 6.11 6.38 7.44 8.62 10.09 16.27 19.41 23.36 23.02

23.02

Page 129 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

27,253 16,525 30,114 26,286 38,735 24,029 18,326 14,553 8,084 4,453 3,454 4,113 2,747 3,178 1,993 3,122 2,606 1,225 1,754 699 233,249

27,253 43,778 73,892 100,178 138,913 162,942 181,268 195,821 203,905 208,358 211,812 215,925 218,672 221,850 223,843 226,965 229,571 230,796 232,550 233,249

11.68 7.08 12.91 11.27 16.61 10.30 7.86 6.24 3.47 1.91 1.48 1.76 1.18 1.36 0.85 1.34 1.12 0.53 0.75 0.30

11.68 18.77 31.68 42.95 59.56 69.86 77.71 83.95 87.42 89.33 90.81 92.57 93.75 95.11 95.97 97.31 98.42 98.95 99.70 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 27,982.36 3,448.87 8,848.57 10,928.15 24,525.91 21,920.59 24,400.47 26,766.25 20,138.67 13,824.78 14,456.16 18,133.64 14,756.56 19,877.75 15,667.33 31,792.92 30,947.31 14,340.47 31,256.87 76,508.84 450,522.46

27,982.36 6.21 6.21 31,431.23 0.77 6.98 40,279.80 1.96 8.94 51,207.95 2.43 11.37 75,733.86 5.44 16.81 97,654.45 4.87 21.68 122,054.92 5.42 27.09 148,821.17 5.94 33.03 168,959.84 4.47 37.50 182,784.62 3.07 40.57 197,240.78 3.21 43.78 215,374.42 4.03 47.81 230,130.98 3.28 51.08 250,008.73 4.41 55.49 265,676.06 3.48 58.97 297,468.98 7.06 66.03 328,416.29 6.87 72.90 342,756.76 3.18 76.08 374,013.62 6.94 83.02 450,522.46 16.98 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

152 33 72 36 40 24 31 23 13 24 14 13 7 23 6 20 89 19 54 92 785

152 185 257 293 333 357 388 411 424 448 462 475 482 505 511 531 620 639 693 785

19.36 19.36 4.20 23.57 9.17 32.74 4.59 37.32 5.10 42.42 3.06 45.48 3.95 49.43 2.93 52.36 1.66 54.01 3.06 57.07 1.78 58.85 1.66 60.51 0.89 61.40 2.93 64.33 0.76 65.10 2.55 67.64 11.34 78.98 2.42 81.40 6.88 88.28 11.72 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 10,430.63 10,430.63 4.60 1,987.87 12,418.49 0.88 4,811.55 17,230.04 2.12 4,466.95 21,696.99 1.97 3,137.56 24,834.55 1.38 1,668.91 26,503.46 0.74 6,390.21 32,893.68 2.82 1,153.86 34,047.54 0.51 3,913.25 37,960.80 1.73 1,277.73 39,238.53 0.56 3,252.43 42,490.95 1.43 5,813.38 48,304.33 2.56 2,578.58 50,882.91 1.14 10,543.72 61,426.63 4.65 1,938.53 63,365.16 0.85 7,559.68 70,924.84 3.33 18,997.59 89,922.43 8.38 -29,114.11 60,808.32 -12.8 47,233.38 108,041.70 20.83 118,741.48 226,783.18 52.36 226,783.18

4.60 37.28 5.48 57.64 7.60 54.38 9.57 40.88 10.95 12.79 11.69 7.61 14.50 26.19 15.01 4.31 16.74 19.43 17.30 9.24 18.74 22.50 21.30 32.06 22.44 17.47 27.09 53.04 27.94 12.37 31.27 23.78 39.65 61.39 26.81 -203 47.64 151.11 100.00 155.20

37.28 39.51 42.78 42.37 32.79 27.14 26.95 22.88 22.47 21.47 21.54 22.43 22.11 24.57 23.85 23.84 27.38 17.74 28.89 50.34

50.34

Page 130 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

f 30,644 24,916 31,631 19,456 20,836 10,814 7,572 6,361 3,675 2,302 1,759 2,266 1,650 2,461 1,621 3,060 2,617 1,369 1,922 644 177,576

F 30,644 55,560 87,191 106,647 127,483 138,297 145,869 152,230 155,905 158,207 159,966 162,232 163,882 166,343 167,964 171,024 173,641 175,010 176,932 177,576

DATA POSITION FROM PROCESSING

PERCENTAGE BAND CUM. 17.26 14.03 17.81 10.96 11.73 6.09 4.26 3.58 2.07 1.30 0.99 1.28 0.93 1.39 0.91 1.72 1.47 0.77 1.08 0.36

17.26 31.29 49.10 60.06 71.79 77.88 82.14 85.73 87.80 89.09 90.08 91.36 92.29 93.67 94.59 96.31 97.78 98.55 99.64 100.00

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

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

21,399.59 4,480.31 10,054.21 9,844.27 16,387.11 12,421.12 12,353.91 13,509.55 10,304.58 7,523.72 6,881.02 9,562.19 8,438.55 14,486.88 12,162.98 28,860.89 30,478.68 16,059.81 23,740.61 9,943.14

90 14 19 32 24 21 16 21 14 6 8 18 13 23 80 39 48 46 65 108

278,893.14

21,399.59 7.67 7.67 25,879.90 1.61 9.28 35,934.11 3.61 12.88 45,778.38 3.53 16.41 62,165.49 5.88 22.29 74,586.61 4.45 26.74 86,940.53 4.43 31.17 100,450.08 4.84 36.02 110,754.66 3.69 39.71 118,278.38 2.70 42.41 125,159.40 2.47 44.88 134,721.59 3.43 48.31 143,160.14 3.03 51.33 157,647.03 5.19 56.53 169,810.00 4.36 60.89 198,670.90 10.35 71.24 229,149.58 10.93 82.16 245,209.39 5.76 87.92 268,950.00 8.51 96.43 278,893.14 3.57 100.00

705

90 12.77 104 1.99 123 2.70 155 4.54 179 3.40 200 2.98 216 2.27 237 2.98 251 1.99 257 0.85 265 1.13 283 2.55 296 1.84 319 3.26 399 11.35 438 5.53 486 6.81 532 6.52 597 9.22 705 15.32

12.77 14.75 17.45 21.99 25.39 28.37 30.64 33.62 35.60 36.45 37.59 40.14 41.99 45.25 56.60 62.13 68.94 75.46 84.68 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 97,122.81 354.02 660.43 984.71 938.32 1,508.70 2,910.02 2,994.47 1,503.49 875.43 168.16 5,950.57 2,820.61 2,399.18 5,194.72 23,461.99 19,055.93 46,681.03 20,041.09 168,550.35 404,176.02

97,122.81 24.03 97,476.83 0.09 98,137.26 0.16 99,121.97 0.24 100,060.29 0.23 101,568.99 0.37 104,479.01 0.72 107,473.49 0.74 108,976.98 0.37 109,852.41 0.22 110,020.56 0.04 115,971.13 1.47 118,791.74 0.70 121,190.91 0.59 126,385.64 1.29 149,847.62 5.80 168,903.56 4.71 215,584.58 11.55 235,625.67 4.96 404,176.02 41.70

24.03 453.85 453.85 24.12 7.90 376.65 24.28 6.57 273.10 24.52 10.00 216.53 24.76 5.73 160.96 25.13 12.15 136.18 25.85 23.56 120.17 26.59 22.17 106.99 26.96 14.59 98.39 27.18 11.64 92.88 27.22 2.44 87.90 28.69 62.23 86.08 29.39 33.43 82.98 29.98 16.56 76.87 31.27 42.71 74.43 37.07 81.29 75.43 41.79 62.52 73.71 53.34 290.67 87.92 58.30 84.42 87.61 100.00 1695.1 144.92 144.92

Page 131 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 20,985 16,091 16,405 8,019 8,593 4,820 3,597 3,178 1,843 1,071 857 1,124 661 988 587 1,097 900 401 444 210 91,871

20,985 22.84 37,076 17.51 53,481 17.86 61,500 8.73 70,093 9.35 74,913 5.25 78,510 3.92 81,688 3.46 83,531 2.01 84,602 1.17 85,459 0.93 86,583 1.22 87,244 0.72 88,232 1.08 88,819 0.64 89,916 1.19 90,816 0.98 91,217 0.44 91,661 0.48 91,871 0.23

22.84 40.36 58.21 66.94 76.30 81.54 85.46 88.92 90.92 92.09 93.02 94.24 94.96 96.04 96.68 97.87 98.85 99.29 99.77 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 7,931.03 2,802.79 5,218.29 4,304.75 7,379.61 6,099.74 5,882.95 7,068.38 5,138.02 3,896.23 3,906.00 5,192.81 4,069.42 6,940.78 5,403.98 13,573.42 12,517.48 5,523.22 7,489.69 2,190.90 122,529.50

7,931.03 6.47 6.47 10,733.82 2.29 8.76 15,952.11 4.26 13.02 20,256.86 3.51 16.53 27,636.47 6.02 22.55 33,736.21 4.98 27.53 39,619.16 4.80 32.33 46,687.54 5.77 38.10 51,825.56 4.19 42.30 55,721.79 3.18 45.48 59,627.79 3.19 48.66 64,820.60 4.24 52.90 68,890.03 3.32 56.22 75,830.81 5.66 61.89 81,234.79 4.41 66.30 94,808.22 11.08 77.38 107,325.69 10.22 87.59 112,848.91 4.51 92.10 120,338.60 6.11 98.21 122,529.50 1.79 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

01/01/2009

15/12/2010

DATE

15/03/2011

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

24 2 8 5 7 6 4 6 2 0 1 4 3 8 10 13 10 8 15 3

24 17.27 17.27 2,125.98 26 1.44 18.71 33.59 34 5.76 24.46 444.31 39 3.60 28.06 241.23 46 5.04 33.09 193.46 52 4.32 37.41 1,418.31 56 2.88 40.29 448.18 62 4.32 44.60 256.23 64 1.44 46.04 173.39 64 0.00 46.04 0.00 65 0.72 46.76 36.78 69 2.88 49.64 37.24 72 2.16 51.80 66.76 80 5.76 57.55 759.92 90 7.19 64.75 110.04 103 9.35 74.10 49,985.27 113 7.19 81.29 2,128.86 121 5.76 87.05 724.22 136 10.79 97.84 669.22 139 2.16 100.00 1,530.55

139

61,383.53

2,125.98 3.46 2,159.57 0.05 2,603.88 0.72 2,845.11 0.39 3,038.57 0.32 4,456.88 2.31 4,905.06 0.73 5,161.29 0.42 5,334.68 0.28 5,334.68 0.00 5,371.45 0.06 5,408.69 0.06 5,475.45 0.11 6,235.36 1.24 6,345.41 0.18 56,330.67 81.43 58,459.53 3.47 59,183.76 1.18 59,852.98 1.09 61,383.53 2.49

3.46 26.81 3.52 1.20 4.24 8.51 4.63 5.60 4.95 2.62 7.26 23.25 7.99 7.62 8.41 3.63 8.69 3.37 8.69 0.00 8.75 0.94 8.81 0.72 8.92 1.64 10.16 10.95 10.34 2.04 91.77 368.26 95.24 17.01 96.42 13.11 97.51 8.94 100.00 69.86

26.81 20.12 16.32 14.05 10.99 13.21 12.38 11.05 10.29 9.57 9.01 8.34 7.95 8.22 7.81 59.42 54.47 52.45 49.74 50.10

50.10

Page 132 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

DATA POSITION FROM

13,614

2,684 4,549 7,022 8,410 9,858 10,735 11,484 12,087 12,447 12,640 12,787 12,955 13,049 13,232 13,319 13,431 13,534 13,578 13,603 13,614

19.71 13.70 18.17 10.20 10.64 6.44 5.50 4.43 2.64 1.42 1.08 1.23 0.69 1.34 0.64 0.82 0.76 0.32 0.18 0.08

01/01/2009

15/12/2010

DATE

15/03/2011

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

2,684 1,865 2,473 1,388 1,448 877 749 603 360 193 147 168 94 183 87 112 103 44 25 11

19.71 33.41 51.58 61.77 72.41 78.85 84.35 88.78 91.43 92.85 93.93 95.16 95.85 97.19 97.83 98.66 99.41 99.74 99.92 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 847.32 319.10 788.11 611.83 963.21 911.42 1,713.52 1,159.51 711.26 483.06 483.71 792.84 362.60 1,046.63 432.16 1,236.59 992.88 506.23 603.20 325.57 15,290.74

847.32 5.54 5.54 1,166.42 2.09 7.63 1,954.54 5.15 12.78 2,566.37 4.00 16.78 3,529.58 6.30 23.08 4,441.00 5.96 29.04 6,154.52 11.21 40.25 7,314.03 7.58 47.83 8,025.28 4.65 52.48 8,508.34 3.16 55.64 8,992.05 3.16 58.81 9,784.89 5.19 63.99 10,147.50 2.37 66.36 11,194.13 6.84 73.21 11,626.29 2.83 76.03 12,862.87 8.09 84.12 13,855.75 6.49 90.62 14,361.97 3.31 93.93 14,965.17 3.94 97.87 15,290.74 2.13 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 4 0 4 1 4 2 0 1 0 1 1 0 0 0 0 0 1 0 0 0 19

4 4 8 9 13 15 15 16 16 17 18 18 18 18 18 18 19 19 19 19

21.05 0.00 21.05 5.26 21.05 10.53 0.00 5.26 0.00 5.26 5.26 0.00 0.00 0.00 0.00 0.00 5.26 0.00 0.00 0.00

21.05 21.05 42.11 47.37 68.42 78.95 78.95 84.21 84.21 89.47 94.74 94.74 94.74 94.74 94.74 94.74 100.00 100.00 100.00 100.00

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 148.34 0.00 22.65 0.25 75.70 231.22 0.00 44.75 0.00 22.80 6.70 0.00 0.00 0.00 0.00 0.00 0.29 0.00 0.00 0.00 552.69

148.34 26.84 148.34 0.00 170.99 4.10 171.24 0.04 246.94 13.70 478.15 41.83 478.15 0.00 522.90 8.10 522.90 0.00 545.70 4.13 552.41 1.21 552.41 0.00 552.41 0.00 552.41 0.00 552.41 0.00 552.41 0.00 552.69 0.05 552.69 0.00 552.69 0.00 552.69 0.00

26.84 26.84 30.94 30.98 44.68 86.51 86.51 94.61 94.61 98.73 99.95 99.95 99.95 99.95 99.95 99.95 100.00 100.00 100.00 100.00

17.51 0.00 2.87 0.04 7.86 25.37 0.00 3.86 0.00 4.72 1.39 0.00 0.00 0.00 0.00 0.00 0.03 0.00 0.00 0.00

17.51 12.72 8.75 6.67 7.00 10.77 7.77 7.15 6.52 6.41 6.14 5.65 5.44 4.93 4.75 4.29 3.99 3.85 3.69 3.61

3.61

Page 133 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

21,449 17,304 20,882 12,374 14,716 8,854 6,658 5,969 3,505 2,010 1,621 1,888 1,404 2,007 1,141 2,022 1,905 827 1,012 407 127,955

21,449 38,753 59,635 72,009 86,725 95,579 102,237 108,206 111,711 113,721 115,342 117,230 118,634 120,641 121,782 123,804 125,709 126,536 127,548 127,955

16.76 13.52 16.32 9.67 11.50 6.92 5.20 4.66 2.74 1.57 1.27 1.48 1.10 1.57 0.89 1.58 1.49 0.65 0.79 0.32

16.76 30.29 46.61 56.28 67.78 74.70 79.90 84.57 87.30 88.88 90.14 91.62 92.72 94.28 95.18 96.76 98.24 98.89 99.68 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 14,747.44 3,262.33 6,664.56 6,482.76 11,739.51 10,002.52 9,954.36 12,125.70 9,486.18 8,331.66 6,604.78 9,317.24 8,102.32 13,468.43 10,788.75 25,042.49 23,826.64 9,069.04 17,823.60 26,429.05 243,269.38

14,747.44 6.06 6.06 18,009.77 1.34 7.40 24,674.33 2.74 10.14 31,157.09 2.66 12.81 42,896.60 4.83 17.63 52,899.12 4.11 21.75 62,853.48 4.09 25.84 74,979.19 4.98 30.82 84,465.37 3.90 34.72 92,797.02 3.42 38.15 99,401.81 2.72 40.86 108,719.05 3.83 44.69 116,821.37 3.33 48.02 130,289.80 5.54 53.56 141,078.55 4.43 57.99 166,121.04 10.29 68.29 189,947.69 9.79 78.08 199,016.72 3.73 81.81 216,840.33 7.33 89.14 243,269.38 10.86 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

45 2 11 9 3 7 5 45 5 9 8 11 6 12 6 22 22 21 25 11 285

45 15.79 15.79 47 0.70 16.49 58 3.86 20.35 67 3.16 23.51 70 1.05 24.56 77 2.46 27.02 82 1.75 28.77 127 15.79 44.56 132 1.75 46.32 141 3.16 49.47 149 2.81 52.28 160 3.86 56.14 166 2.11 58.25 178 4.21 62.46 184 2.11 64.56 206 7.72 72.28 228 7.72 80.00 249 7.37 87.37 274 8.77 96.14 285 3.86 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3,739.45 3,739.45 3.65 37.69 3,777.14 0.04 453.44 4,230.58 0.44 622.30 4,852.88 0.61 80.23 4,933.11 0.08 1,559.43 6,492.54 1.52 981.82 7,474.36 0.96 4,473.86 11,948.21 4.36 2,008.27 13,956.49 1.96 1,677.08 15,633.56 1.64 693.27 16,326.83 0.68 2,132.35 18,459.18 2.08 162.64 18,621.83 0.16 440.46 19,062.29 0.43 2,892.05 21,954.34 2.82 18,963.37 40,917.71 18.50 53,486.91 94,404.62 52.17 2,380.39 96,785.01 2.32 4,388.57 101,173.58 4.28 1,343.74 102,517.33 1.31 102,517.33

3.65 25.36 3.68 1.16 4.13 6.80 4.73 9.60 4.81 0.68 6.33 15.59 7.29 9.86 11.65 36.90 13.61 21.17 15.25 20.13 15.93 10.50 18.01 22.89 18.16 2.01 18.59 3.27 21.42 26.81 39.91 75.72 92.09 224.48 94.41 26.25 98.69 24.62 100.00 5.08

25.36 20.97 17.15 15.58 11.50 12.27 11.89 15.94 16.52 16.85 16.43 16.98 15.94 14.63 15.56 24.63 49.70 48.63 46.66 42.14

42.14

Page 134 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

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.

9,080 8,951 9,904 3,603 2,790 1,022 675 466 224 162 119 139 82 113 62 153 130 63 52 15

5,763.52 4,197.04 9,261.99 5,868.13 6,523.76 3,278.62 2,731.89 2,094.00 1,471.80 1,007.58 740.86 1,108.45 720.01 1,094.67 830.07 2,852.43 1,951.22 5,555.75 1,772.98 248.98

4 3 13 5 6 1 1 0 0 0 0 0 0 2 2 5 0 0 1 0

37,805

9,080 24.02 18,031 23.68 27,935 26.20 31,538 9.53 34,328 7.38 35,350 2.70 36,025 1.79 36,491 1.23 36,715 0.59 36,877 0.43 36,996 0.31 37,135 0.37 37,217 0.22 37,330 0.30 37,392 0.16 37,545 0.40 37,675 0.34 37,738 0.17 37,790 0.14 37,805 0.04

24.02 47.69 73.89 83.42 90.80 93.51 95.29 96.52 97.12 97.55 97.86 98.23 98.44 98.74 98.91 99.31 99.66 99.82 99.96 100.00

59,073.74

5,763.52 9.76 9.76 9,960.55 7.10 16.86 19,222.54 15.68 32.54 25,090.67 9.93 42.47 31,614.43 11.04 53.52 34,893.05 5.55 59.07 37,624.94 4.62 63.69 39,718.94 3.54 67.24 41,190.74 2.49 69.73 42,198.33 1.71 71.43 42,939.19 1.25 72.69 44,047.63 1.88 74.56 44,767.65 1.22 75.78 45,862.32 1.85 77.64 46,692.39 1.41 79.04 49,544.82 4.83 83.87 51,496.04 3.30 87.17 57,051.78 9.40 96.58 58,824.76 3.00 99.58 59,073.74 0.42 100.00

4 7 20 25 31 32 33 33 33 33 33 33 33 35 37 42 42 42 43 43

01/01/2009

15/12/2010

DATE

15/03/2011

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

9.30 9.30 369.54 6.98 16.28 242.50 30.23 46.51 1,736.14 11.63 58.14 1,121.25 13.95 72.09 1,493.88 2.33 74.42 342.24 2.33 76.74 720.00 0.00 76.74 0.00 0.00 76.74 0.00 0.00 76.74 0.00 0.00 76.74 0.00 0.00 76.74 0.00 0.00 76.74 0.00 4.65 81.40 154.67 4.65 86.05 207.05 11.63 97.67 10,146.58 0.00 97.67 0.00 0.00 97.67 0.00 2.33 100.00 5.14 0.00 100.00 0.00 16,538.99

369.54 2.23 612.04 1.47 2,348.18 10.50 3,469.43 6.78 4,963.32 9.03 5,305.56 2.07 6,025.56 4.35 6,025.56 0.00 6,025.56 0.00 6,025.56 0.00 6,025.56 0.00 6,025.56 0.00 6,025.56 0.00 6,180.22 0.94 6,387.28 1.25 16,533.85 61.35 16,533.85 0.00 16,533.85 0.00 16,538.99 0.03 16,538.99 0.00

2.23 6.41 3.70 5.78 14.20 18.74 20.98 19.11 30.01 22.90 32.08 10.44 36.43 26.36 36.43 0.00 36.43 0.00 36.43 0.00 36.43 0.00 36.43 0.00 36.43 0.00 37.37 14.13 38.62 24.94 99.97 355.72 99.97 0.00 99.97 0.00 100.00 0.29 100.00 0.00

6.41 6.14 12.22 13.83 15.70 15.21 16.01 15.17 14.63 14.28 14.03 13.68 13.46 13.48 13.68 33.37 32.11 28.98 28.12 28.00

28.00

Page 135 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

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,571 1,666 1,779 904 967 472 296 254 118 74 48 49 33 58 27 73 61 53 45 15 8,563

1,571 3,237 5,016 5,920 6,887 7,359 7,655 7,909 8,027 8,101 8,149 8,198 8,231 8,289 8,316 8,389 8,450 8,503 8,548 8,563

18.35 19.46 20.78 10.56 11.29 5.51 3.46 2.97 1.38 0.86 0.56 0.57 0.39 0.68 0.32 0.85 0.71 0.62 0.53 0.18

18.35 37.80 58.58 69.13 80.43 85.94 89.40 92.36 93.74 94.60 95.17 95.74 96.12 96.80 97.12 97.97 98.68 99.30 99.82 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 801.40 600.12 1,253.30 969.04 1,709.08 1,475.31 869.75 1,202.53 524.59 270.88 246.68 264.03 207.01 370.45 237.32 865.47 725.29 846.03 599.14 79.46 14,116.88

801.40 5.68 5.68 1,401.52 4.25 9.93 2,654.83 8.88 18.81 3,623.87 6.86 25.67 5,332.94 12.11 37.78 6,808.25 10.45 48.23 7,678.00 6.16 54.39 8,880.53 8.52 62.91 9,405.12 3.72 66.62 9,676.00 1.92 68.54 9,922.68 1.75 70.29 10,186.71 1.87 72.16 10,393.72 1.47 73.63 10,764.17 2.62 76.25 11,001.49 1.68 77.93 11,866.96 6.13 84.06 12,592.25 5.14 89.20 13,438.28 5.99 95.19 14,037.41 4.24 99.44 14,116.88 0.56 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 3 1 0 1 0 1 0 0 0 0 0 0 0 8 3 1 3 1 1 4 27

3 4 4 5 5 6 6 6 6 6 6 6 6 14 17 18 21 22 23 27

11.11 11.11 3.70 14.81 0.00 14.81 3.70 18.52 0.00 18.52 3.70 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 29.63 51.85 11.11 62.96 3.70 66.67 11.11 77.78 3.70 81.48 3.70 85.19 14.81 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 160.49 21.46 0.00 165.00 0.00 36.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 137.09 70.37 35.00 218.61 30.20 16.53 47.91 938.65

160.49 181.94 181.94 346.94 346.94 382.94 382.94 382.94 382.94 382.94 382.94 382.94 382.94 520.03 590.40 625.40 844.01 874.21 890.74 938.65

17.10 2.29 0.00 17.58 0.00 3.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.61 7.50 3.73 23.29 3.22 1.76 5.10

17.10 19.38 19.38 36.96 36.96 40.80 40.80 40.80 40.80 40.80 40.80 40.80 40.80 55.40 62.90 66.63 89.92 93.14 94.90 100.00

20.03 3.58 0.00 17.03 0.00 2.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 37.01 29.65 4.04 30.14 3.57 2.76 60.29

20.03 12.98 6.85 9.57 6.51 5.62 4.99 4.31 4.07 3.96 3.86 3.76 3.68 4.83 5.37 5.27 6.70 6.51 6.35 6.65

6.65

Page 136 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

3,835 3,178 3,901 2,048 1,934 992 565 451 258 167 108 153 115 129 97 146 117 103 86 36

3,481.89 707.61 1,539.03 1,211.78 1,923.70 1,598.10 1,628.84 1,288.64 979.84 1,004.02 592.77 858.54 688.59 1,141.63 1,054.26 -821.46 1,916.59 1,690.48 1,417.11 510.90

18,419

3,835 7,013 10,914 12,962 14,896 15,888 16,453 16,904 17,162 17,329 17,437 17,590 17,705 17,834 17,931 18,077 18,194 18,297 18,383 18,419

20.82 17.25 21.18 11.12 10.50 5.39 3.07 2.45 1.40 0.91 0.59 0.83 0.62 0.70 0.53 0.79 0.64 0.56 0.47 0.20

20.82 38.07 59.25 70.37 80.87 86.26 89.33 91.77 93.18 94.08 94.67 95.50 96.12 96.82 97.35 98.14 98.78 99.34 99.80 100.00

24,412.84

3,481.89 14.26 14.26 4,189.50 2.90 17.16 5,728.52 6.30 23.47 6,940.30 4.96 28.43 8,864.00 7.88 36.31 10,462.09 6.55 42.85 12,090.93 6.67 49.53 13,379.56 5.28 54.81 14,359.41 4.01 58.82 15,363.43 4.11 62.93 15,956.20 2.43 65.36 16,814.74 3.52 68.88 17,503.33 2.82 71.70 18,644.96 4.68 76.37 19,699.22 4.32 80.69 18,877.76 -3.36 77.33 20,794.35 7.85 85.18 22,484.83 6.92 92.10 23,901.94 5.80 97.91 24,412.84 2.09 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 3 2 1 1 2 2 3 2 1 0 0 0 0 0 0 0 1 1 6 1 26

3 11.54 11.54 5 7.69 19.23 6 3.85 23.08 7 3.85 26.92 9 7.69 34.62 11 7.69 42.31 14 11.54 53.85 16 7.69 61.54 17 3.85 65.38 17 0.00 65.38 17 0.00 65.38 17 0.00 65.38 17 0.00 65.38 17 0.00 65.38 17 0.00 65.38 17 0.00 65.38 18 3.85 69.23 19 3.85 73.08 25 23.08 96.15 26 3.85 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,723.52 133.17 14.64 180.29 110.77 210.00 506.15 186.34 3.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 350.00 5.80 5,760.06 75.89 10,259.84

2,723.52 26.55 2,856.69 1.30 2,871.33 0.14 3,051.62 1.76 3,162.39 1.08 3,372.39 2.05 3,878.54 4.93 4,064.88 1.82 4,068.09 0.03 4,068.09 0.00 4,068.09 0.00 4,068.09 0.00 4,068.09 0.00 4,068.09 0.00 4,068.09 0.00 4,068.09 0.00 4,418.09 3.41 4,423.89 0.06 10,183.95 56.14 10,259.84 0.74

26.55 78.22 27.84 18.82 27.99 0.95 29.74 14.88 30.82 5.76 32.87 13.14 37.80 31.07 39.62 14.46 39.65 0.33 39.65 0.00 39.65 0.00 39.65 0.00 39.65 0.00 39.65 0.00 39.65 0.00 39.65 0.00 43.06 18.26 43.12 0.34 99.26 406.46 100.00 14.85

78.22 68.19 50.12 43.97 35.68 32.23 32.08 30.38 28.33 26.48 25.50 24.19 23.24 21.82 20.65 21.55 21.25 19.68 42.61 42.03

42.03

Page 137 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

3,776 3,556 5,107 3,418 4,031 2,113 1,520 1,143 590 300 269 263 184 228 156 229 269 125 198 67

3,043.86 1,099.42 2,526.96 2,588.18 4,679.27 3,827.74 3,940.40 3,858.49 2,563.73 1,238.09 1,610.89 1,631.51 1,341.47 2,218.83 1,307.42 2,654.49 3,107.52 1,814.49 4,144.72 14,906.14

27,542

3,776 7,332 12,439 15,857 19,888 22,001 23,521 24,664 25,254 25,554 25,823 26,086 26,270 26,498 26,654 26,883 27,152 27,277 27,475 27,542

13.71 12.91 18.54 12.41 14.64 7.67 5.52 4.15 2.14 1.09 0.98 0.95 0.67 0.83 0.57 0.83 0.98 0.45 0.72 0.24

13.71 26.62 45.16 57.57 72.21 79.88 85.40 89.55 91.69 92.78 93.76 94.71 95.38 96.21 96.78 97.61 98.58 99.04 99.76 100.00

64,103.60

3,043.86 4.75 4.75 4,143.28 1.72 6.46 6,670.24 3.94 10.41 9,258.42 4.04 14.44 13,937.69 7.30 21.74 17,765.43 5.97 27.71 21,705.82 6.15 33.86 25,564.31 6.02 39.88 28,128.04 4.00 43.88 29,366.13 1.93 45.81 30,977.02 2.51 48.32 32,608.53 2.55 50.87 33,950.00 2.09 52.96 36,168.83 3.46 56.42 37,476.26 2.04 58.46 40,130.74 4.14 62.60 43,238.26 4.85 67.45 45,052.75 2.83 70.28 49,197.47 6.47 76.75 64,103.60 23.25 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 2 3 3 2 8 1 2 2 0 0 3 2 0 1 0 2 4 3 7 1 46

2 5 8 10 18 19 21 23 23 23 26 28 28 29 29 31 35 38 45 46

4.35 4.35 6.52 10.87 6.52 17.39 4.35 21.74 17.39 39.13 2.17 41.30 4.35 45.65 4.35 50.00 0.00 50.00 0.00 50.00 6.52 56.52 4.35 60.87 0.00 60.87 2.17 63.04 0.00 63.04 4.35 67.39 8.70 76.09 6.52 82.61 15.22 97.83 2.17 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 79.22 161.07 130.46 148.19 912.70 5.72 906.95 60.18 0.00 0.00 2,046.66 261.66 0.00 102.67 0.00 227.56 2,517.59 109.13 3,392.22 195.20 11,257.20

79.22 0.70 240.29 1.43 370.75 1.16 518.94 1.32 1,431.65 8.11 1,437.36 0.05 2,344.32 8.06 2,404.49 0.53 2,404.49 0.00 2,404.49 0.00 4,451.16 18.18 4,712.82 2.32 4,712.82 0.00 4,815.49 0.91 4,815.49 0.00 5,043.05 2.02 7,560.64 22.36 7,669.77 0.97 11,062.00 30.13 11,257.20 1.73

0.70 2.60 2.13 14.65 3.29 5.16 4.61 5.73 12.72 19.51 12.77 0.15 20.83 23.02 21.36 1.56 21.36 0.00 21.36 0.00 39.54 127.05 41.86 16.04 41.86 0.00 42.78 4.63 42.78 0.00 44.80 8.57 67.16 81.02 68.13 6.01 98.27 81.84 100.00 1.31

2.60 5.80 5.56 5.61 10.27 8.09 10.80 9.41 8.55 8.19 14.37 14.45 13.88 13.31 12.85 12.57 17.49 17.02 22.48 17.56

17.56

Page 138 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

1,833 1,421 2,404 1,578 1,714 888 711 638 360 174 142 192 82 167 100 107 93 28 62 9

987.15 354.19 803.80 775.90 1,512.04 1,345.81 1,490.77 1,910.83 1,310.64 919.45 888.50 957.08 530.52 1,290.65 1,013.37 1,422.48 1,016.48 352.86 459.02 200.31

12,703

1,833 3,254 5,658 7,236 8,950 9,838 10,549 11,187 11,547 11,721 11,863 12,055 12,137 12,304 12,404 12,511 12,604 12,632 12,694 12,703

14.43 11.19 18.92 12.42 13.49 6.99 5.60 5.02 2.83 1.37 1.12 1.51 0.65 1.31 0.79 0.84 0.73 0.22 0.49 0.07

14.43 25.62 44.54 56.96 70.46 77.45 83.04 88.07 90.90 92.27 93.39 94.90 95.54 96.86 97.65 98.49 99.22 99.44 99.93 100.00

19,541.86

987.15 1,341.35 2,145.15 2,921.05 4,433.09 5,778.90 7,269.66 9,180.50 10,491.14 11,410.59 12,299.09 13,256.17 13,786.69 15,077.35 16,090.72 17,513.20 18,529.68 18,882.54 19,341.55 19,541.86

5.05 5.05 1.81 6.86 4.11 10.98 3.97 14.95 7.74 22.69 6.89 29.57 7.63 37.20 9.78 46.98 6.71 53.69 4.71 58.39 4.55 62.94 4.90 67.83 2.71 70.55 6.60 77.15 5.19 82.34 7.28 89.62 5.20 94.82 1.81 96.63 2.35 98.97 1.03 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 1 2 1 3 0 0 0 0 1 1 0 0 0 0 0 0 1 0 0 10

0 1 3 4 7 7 7 7 7 8 9 9 9 9 9 9 9 10 10 10

0.00 0.00 10.00 10.00 20.00 30.00 10.00 40.00 30.00 70.00 0.00 70.00 0.00 70.00 0.00 70.00 0.00 70.00 10.00 80.00 10.00 90.00 0.00 90.00 0.00 90.00 0.00 90.00 0.00 90.00 0.00 90.00 0.00 90.00 10.00 100.00 0.00 100.00 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 48.00 219.68 130.00 929.00 0.00 0.00 0.00 0.00 11.00 311.55 0.00 0.00 0.00 0.00 0.00 0.00 18.00 0.00 0.00 1,667.23

0.00 0.00 48.00 2.88 267.68 13.18 397.68 7.80 1,326.68 55.72 1,326.68 0.00 1,326.68 0.00 1,326.68 0.00 1,326.68 0.00 1,337.68 0.66 1,649.23 18.69 1,649.23 0.00 1,649.23 0.00 1,649.23 0.00 1,649.23 0.00 1,649.23 0.00 1,649.23 0.00 1,667.23 1.08 1,667.23 0.00 1,667.23 0.00

0.00 2.88 16.06 23.85 79.57 79.57 79.57 79.57 79.57 80.23 98.92 98.92 98.92 98.92 98.92 98.92 98.92 100.00 100.00 100.00

0.00 13.55 27.33 16.75 61.44 0.00 0.00 0.00 0.00 1.20 35.06 0.00 0.00 0.00 0.00 0.00 0.00 5.10 0.00 0.00

0.00 3.58 12.48 13.61 29.93 22.96 18.25 14.45 12.65 11.72 13.41 12.44 11.96 10.94 10.25 9.42 8.90 8.83 8.62 8.53

8.53

Page 139 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

DATA POSITION FROM

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

1,219 935 1,216 812 844 463 323 277 159 83 47 69 54 63 35 20 34 21 5 0

325.96 265.58 599.25 958.52 1,412.07 1,039.54 1,011.18 1,098.71 846.87 531.37 331.67 523.71 404.60 424.87 310.32 592.69 287.19 115.78 34.18 0.00

6,679

18.25 14.00 18.21 12.16 12.64 6.93 4.84 4.15 2.38 1.24 0.70 1.03 0.81 0.94 0.52 0.30 0.51 0.31 0.07 0.00

01/01/2009

15/12/2010

DATE

15/03/2011

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,219 2,154 3,370 4,182 5,026 5,489 5,812 6,089 6,248 6,331 6,378 6,447 6,501 6,564 6,599 6,619 6,653 6,674 6,679 6,679

18.25 32.25 50.46 62.61 75.25 82.18 87.02 91.17 93.55 94.79 95.49 96.53 97.33 98.28 98.80 99.10 99.61 99.93 100.00 100.00

11,114.03

325.96 2.93 2.93 591.54 2.39 5.32 1,190.78 5.39 10.71 2,149.30 8.62 19.34 3,561.37 12.71 32.04 4,600.91 9.35 41.40 5,612.09 9.10 50.50 6,710.79 9.89 60.38 7,557.66 7.62 68.00 8,089.04 4.78 72.78 8,420.70 2.98 75.77 8,944.41 4.71 80.48 9,349.02 3.64 84.12 9,773.89 3.82 87.94 10,084.20 2.79 90.73 10,676.89 5.33 96.07 10,964.08 2.58 98.65 11,079.85 1.04 99.69 11,114.03 0.31 100.00 11,114.03 0.00 100.00

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

0 0.00 0.00 0 0.00 0.00 1 50.00 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

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 2.47 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 55.45

0.00 0.00 0.00 0.00 2.47 4.45 2.47 0.00 55.45 95.55 55.45 0.00 55.45 0.00 55.45 0.00 55.45 0.00 55.45 0.00 55.45 0.00 55.45 0.00 55.45 0.00 55.45 0.00 55.45 0.00 55.45 0.00 55.45 0.00 55.45 0.00 55.45 0.00 55.45 0.00

0.00 0.00 4.45 4.45 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.41 0.00 3.75 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 0.00

0.00 0.00 0.21 0.11 1.56 1.21 0.99 0.83 0.73 0.69 0.66 0.62 0.59 0.57 0.55 0.52 0.51 0.50 0.50 0.50

0.50

Page 140 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,124 6,249 7,276 3,964 3,998 2,125 1,312 1,073 614 324 287 332 188 297 154 236 189 83 88 44 33,957

5,124 11,373 18,649 22,613 26,611 28,736 30,048 31,121 31,735 32,059 32,346 32,678 32,866 33,163 33,317 33,553 33,742 33,825 33,913 33,957

15.09 18.40 21.43 11.67 11.77 6.26 3.86 3.16 1.81 0.95 0.85 0.98 0.55 0.87 0.45 0.69 0.56 0.24 0.26 0.13

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

15.09 1,785.98 33.49 1,265.81 54.92 2,825.64 66.59 3,208.22 78.37 5,436.47 84.62 4,839.05 88.49 3,296.25 91.65 3,551.17 93.46 2,383.90 94.41 1,394.88 95.26 1,562.88 96.23 1,652.88 96.79 1,259.64 97.66 1,984.27 98.12 1,513.20 98.81 3,106.11 99.37 2,548.23 99.61 1,431.15 99.87 1,180.24 100.00 164,584.78 210,810.74

1,785.98 0.85 0.85 3,051.79 0.60 1.45 5,877.43 1.34 2.79 9,085.65 1.52 4.31 14,522.12 2.58 6.89 19,361.16 2.30 9.18 22,657.41 1.56 10.75 26,208.58 1.68 12.43 28,592.47 1.13 13.56 29,987.36 0.66 14.22 31,550.24 0.74 14.97 33,203.12 0.78 15.75 34,462.75 0.60 16.35 36,447.03 0.94 17.29 37,960.23 0.72 18.01 41,066.34 1.47 19.48 43,614.57 1.21 20.69 45,045.72 0.68 21.37 46,225.96 0.56 21.93 210,810.74 78.07 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 6 1 1 1 2 3 0 1 0 1 1 0 2 0 0 0 0 2 2 0 23

6 26.09 26.09 7 4.35 30.43 8 4.35 34.78 9 4.35 39.13 11 8.70 47.83 14 13.04 60.87 14 0.00 60.87 15 4.35 65.22 15 0.00 65.22 16 4.35 69.57 17 4.35 73.91 17 0.00 73.91 19 8.70 82.61 19 0.00 82.61 19 0.00 82.61 19 0.00 82.61 19 0.00 82.61 21 8.70 91.30 23 8.70 100.00 23 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,430.01 6.45 21.80 112.38 128.41 214.91 0.00 950.00 0.00 22.68 159.24 0.00 160.12 0.00 0.00 0.00 0.00 132.62 37.98 0.00 4,376.60

2,430.01 55.52 2,436.46 0.15 2,458.25 0.50 2,570.63 2.57 2,699.05 2.93 2,913.96 4.91 2,913.96 0.00 3,863.96 21.71 3,863.96 0.00 3,886.65 0.52 4,045.88 3.64 4,045.88 0.00 4,206.00 3.66 4,206.00 0.00 4,206.00 0.00 4,206.00 0.00 4,206.00 0.00 4,338.62 3.03 4,376.60 0.87 4,376.60 0.00

55.52 136.06 136.06 55.67 0.51 79.84 56.17 0.77 41.83 58.74 3.50 28.29 61.67 2.36 18.59 66.58 4.44 15.05 66.58 0.00 12.86 88.29 26.75 14.74 88.29 0.00 13.51 88.81 1.63 12.96 92.44 10.19 12.82 92.44 0.00 12.19 96.10 12.71 12.20 96.10 0.00 11.54 96.10 0.00 11.08 96.10 0.00 10.24 96.10 0.00 9.64 99.13 9.27 9.63 100.00 3.22 9.47 100.00 0.00 2.08 2.08

Page 141 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

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 657 735 920 593 680 373 211 183 79 33 24 52 14 28 10 17 17 2 7 5 4,640

657 1,392 2,312 2,905 3,585 3,958 4,169 4,352 4,431 4,464 4,488 4,540 4,554 4,582 4,592 4,609 4,626 4,628 4,635 4,640

14.16 15.84 19.83 12.78 14.66 8.04 4.55 3.94 1.70 0.71 0.52 1.12 0.30 0.60 0.22 0.37 0.37 0.04 0.15 0.11

14.16 30.00 49.83 62.61 77.26 85.30 89.85 93.79 95.50 96.21 96.72 97.84 98.15 98.75 98.97 99.33 99.70 99.74 99.89 100.00

PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 215.79 141.43 325.72 405.49 890.70 722.88 595.83 626.49 312.67 160.47 143.72 214.55 126.53 292.53 69.50 153.30 236.40 20.18 24.97 156.02 5,835.19

215.79 357.22 682.94 1,088.43 1,979.14 2,702.02 3,297.85 3,924.34 4,237.01 4,397.48 4,541.20 4,755.75 4,882.29 5,174.82 5,244.31 5,397.62 5,634.02 5,654.20 5,679.17 5,835.19

3.70 3.70 2.42 6.12 5.58 11.70 6.95 18.65 15.26 33.92 12.39 46.31 10.21 56.52 10.74 67.25 5.36 72.61 2.75 75.36 2.46 77.82 3.68 81.50 2.17 83.67 5.01 88.68 1.19 89.87 2.63 92.50 4.05 96.55 0.35 96.90 0.43 97.33 2.67 100.00

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

0 0.00 0.00 2 66.67 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 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 490.00 0.00 232.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 722.02

0.00 0.00 490.00 67.87 490.00 0.00 722.02 32.13 722.02 0.00 722.02 0.00 722.02 0.00 722.02 0.00 722.02 0.00 722.02 0.00 722.02 0.00 722.02 0.00 722.02 0.00 722.02 0.00 722.02 0.00 722.02 0.00 722.02 0.00 722.02 0.00 722.02 0.00 722.02 0.00

0.00 0.00 0.00 67.87 346.46 137.17 67.87 0.00 71.75 100.00 57.22 66.34 100.00 0.00 36.48 100.00 0.00 26.72 100.00 0.00 21.89 100.00 0.00 18.40 100.00 0.00 17.04 100.00 0.00 16.42 100.00 0.00 15.90 100.00 0.00 15.18 100.00 0.00 14.79 100.00 0.00 13.95 100.00 0.00 13.77 100.00 0.00 13.38 100.00 0.00 12.82 100.00 0.00 12.77 100.00 0.00 12.71 100.00 0.00 12.37 12.37

Page 142 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

4,551 3,232 3,749 2,580 3,146 1,907 1,803 1,520 989 601 402 616 321 409 270 358 301 100 128 100

2,673.37 512.18 1,145.55 1,390.05 2,605.13 2,526.91 5,397.44 3,580.60 2,858.78 2,018.00 1,680.07 2,820.31 1,874.60 2,963.41 2,182.90 3,785.28 3,211.53 1,154.47 2,217.75 3,268.72

27,083

4,551 7,783 11,532 14,112 17,258 19,165 20,968 22,488 23,477 24,078 24,480 25,096 25,417 25,826 26,096 26,454 26,755 26,855 26,983 27,083

16.80 11.93 13.84 9.53 11.62 7.04 6.66 5.61 3.65 2.22 1.48 2.27 1.19 1.51 1.00 1.32 1.11 0.37 0.47 0.37

16.80 28.74 42.58 52.11 63.72 70.76 77.42 83.03 86.69 88.90 90.39 92.66 93.85 95.36 96.36 97.68 98.79 99.16 99.63 100.00

49,867.06

2,673.37 5.36 5.36 3,185.56 1.03 6.39 4,331.10 2.30 8.69 5,721.16 2.79 11.47 8,326.29 5.22 16.70 10,853.20 5.07 21.76 16,250.64 10.82 32.59 19,831.24 7.18 39.77 22,690.02 5.73 45.50 24,708.02 4.05 49.55 26,388.09 3.37 52.92 29,208.40 5.66 58.57 31,083.00 3.76 62.33 34,046.41 5.94 68.27 36,229.31 4.38 72.65 40,014.60 7.59 80.24 43,226.13 6.44 86.68 44,380.60 2.32 89.00 46,598.35 4.45 93.45 49,867.06 6.55 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 12 1 1 2 3 1 0 5 3 4 2 4 2 2 0 5 8 0 7 0 62

12 19.35 19.35 13 1.61 20.97 14 1.61 22.58 16 3.23 25.81 19 4.84 30.65 20 1.61 32.26 20 0.00 32.26 25 8.06 40.32 28 4.84 45.16 32 6.45 51.61 34 3.23 54.84 38 6.45 61.29 40 3.23 64.52 42 3.23 67.74 42 0.00 67.74 47 8.06 75.81 55 12.90 88.71 55 0.00 88.71 62 11.29 100.00 62 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 733.25 5.05 21.12 175.00 181.89 1.62 0.00 155.87 27.98 111.34 7.80 66.01 20.00 507.18 0.00 -3.86 205.30 0.00 1,777.63 0.00 3,993.19

733.25 18.36 738.30 0.13 759.42 0.53 934.42 4.38 1,116.32 4.56 1,117.94 0.04 1,117.94 0.00 1,273.81 3.90 1,301.79 0.70 1,413.13 2.79 1,420.93 0.20 1,486.93 1.65 1,506.93 0.50 2,014.12 12.70 2,014.12 0.00 2,010.25 -0.1 2,215.56 5.14 2,215.56 0.00 3,993.19 44.52 3,993.19 0.00

18.36 18.49 19.02 23.40 27.96 28.00 28.00 31.90 32.60 35.39 35.58 37.24 37.74 50.44 50.44 50.34 55.48 55.48 100.00 100.00

27.43 0.99 1.84 12.59 6.98 0.06 0.00 4.35 0.98 5.52 0.46 2.34 1.07 17.11 0.00 -0.1 6.39 0.00 80.15 0.00

27.43 23.18 17.53 16.33 13.41 10.30 6.88 6.42 5.74 5.72 5.38 5.09 4.85 5.92 5.56 5.02 5.13 4.99 8.57 8.01

8.01

Page 143 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

1,717 1,419 1,611 828 842 419 326 251 97 104 55 71 60 58 15 48 38 14 13 1

313.68 278.78 720.74 652.67 907.34 710.59 559.87 689.84 404.54 379.35 268.78 412.24 329.77 493.05 120.56 1,037.52 389.36 109.50 90.51 184.41

7,987

1,717 3,136 4,747 5,575 6,417 6,836 7,162 7,413 7,510 7,614 7,669 7,740 7,800 7,858 7,873 7,921 7,959 7,973 7,986 7,987

21.50 17.77 20.17 10.37 10.54 5.25 4.08 3.14 1.21 1.30 0.69 0.89 0.75 0.73 0.19 0.60 0.48 0.18 0.16 0.01

21.50 39.26 59.43 69.80 80.34 85.59 89.67 92.81 94.03 95.33 96.02 96.91 97.66 98.38 98.57 99.17 99.65 99.82 99.99 100.00

9,053.11

313.68 3.46 3.46 592.46 3.08 6.54 1,313.21 7.96 14.51 1,965.88 7.21 21.71 2,873.22 10.02 31.74 3,583.81 7.85 39.59 4,143.68 6.18 45.77 4,833.52 7.62 53.39 5,238.06 4.47 57.86 5,617.42 4.19 62.05 5,886.20 2.97 65.02 6,298.44 4.55 69.57 6,628.21 3.64 73.21 7,121.26 5.45 78.66 7,241.82 1.33 79.99 8,279.33 11.46 91.45 8,668.69 4.30 95.75 8,778.19 1.21 96.96 8,868.70 1.00 97.96 9,053.11 2.04 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 0 1 0 0 0 1 4 0 0 0 1 0 0 86 0 1 0 0 94

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 1 1.06 1.06 1 0.00 1.06 1 0.00 1.06 1 0.00 1.06 2 1.06 2.13 6 4.26 6.38 6 0.00 6.38 6 0.00 6.38 6 0.00 6.38 7 1.06 7.45 7 0.00 7.45 7 0.00 7.45 93 91.49 98.94 93 0.00 98.94 94 1.06 100.00 94 0.00 100.00 94 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 19.93 0.00 0.00 0.00 5.78 279.61 0.00 0.00 0.00 577.92 0.00 0.00 454.30 0.00 814.74 0.00 0.00 2,152.27

0.00 0.00 0.00 19.93 19.93 19.93 19.93 25.71 305.32 305.32 305.32 305.32 883.24 883.24 883.24 1,337.53 1,337.53 2,152.27 2,152.27 2,152.27

0.00 0.00 0.00 0.93 0.00 0.00 0.00 0.27 12.99 0.00 0.00 0.00 26.85 0.00 0.00 21.11 0.00 37.85 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.93 3.05 0.93 0.00 0.93 0.00 0.93 0.00 1.19 0.84 14.19 69.12 14.19 0.00 14.19 0.00 14.19 0.00 41.04 175.25 41.04 0.00 41.04 0.00 62.15 43.79 62.15 0.00 100.00 744.08 100.00 0.00 100.00 0.00

0.00 0.00 0.00 1.01 0.69 0.56 0.48 0.53 5.83 5.44 5.19 4.85 13.33 12.40 12.20 16.16 15.43 24.52 24.27 23.77

23.77

Page 144 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

806 1,154 1,173 641 805 482 364 264 155 83 62 51 30 34 18 38 19 1 5 1

103.32 218.16 534.98 506.72 1,139.23 979.22 1,051.92 1,054.00 710.46 395.33 439.50 364.28 229.58 285.03 123.71 291.03 223.45 -16.55 41.31 24.28

6,186

806 1,960 3,133 3,774 4,579 5,061 5,425 5,689 5,844 5,927 5,989 6,040 6,070 6,104 6,122 6,160 6,179 6,180 6,185 6,186

13.03 18.66 18.96 10.36 13.01 7.79 5.88 4.27 2.51 1.34 1.00 0.82 0.48 0.55 0.29 0.61 0.31 0.02 0.08 0.02

13.03 31.68 50.65 61.01 74.02 81.81 87.70 91.97 94.47 95.81 96.82 97.64 98.12 98.67 98.97 99.58 99.89 99.90 99.98 100.00

8,698.97

103.32 321.49 856.46 1,363.18 2,502.42 3,481.64 4,533.56 5,587.56 6,298.02 6,693.36 7,132.86 7,497.13 7,726.72 8,011.75 8,135.46 8,426.48 8,649.93 8,633.38 8,674.69 8,698.97

1.19 1.19 2.51 3.70 6.15 9.85 5.83 15.67 13.10 28.77 11.26 40.02 12.09 52.12 12.12 64.23 8.17 72.40 4.54 76.94 5.05 82.00 4.19 86.18 2.64 88.82 3.28 92.10 1.42 93.52 3.35 96.87 2.57 99.44 -0.19 99.25 0.47 99.72 0.28 100.00

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

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 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

01/01/2009

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 33.89 0.00 0.00 0.00 190.95 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 224.84

0.00 0.00 33.89 15.07 33.89 0.00 33.89 0.00 33.89 0.00 224.84 84.93 224.84 0.00 224.84 0.00 224.84 0.00 224.84 0.00 224.84 0.00 224.84 0.00 224.84 0.00 224.84 0.00 224.84 0.00 224.84 0.00 224.84 0.00 224.84 0.00 224.84 0.00 224.84 0.00

0.00 15.07 15.07 15.07 15.07 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 15.53 0.00 0.00 0.00 19.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 10.54 3.96 2.49 1.35 6.46 4.96 4.02 3.57 3.36 3.15 3.00 2.91 2.81 2.76 2.67 2.60 2.60 2.59 2.58

2.58

Page 145 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 332 303 320 231 245 134 126 121 63 33 23 22 21 23 18 30 13 17 12 0 2,087

332 635 955 1,186 1,431 1,565 1,691 1,812 1,875 1,908 1,931 1,953 1,974 1,997 2,015 2,045 2,058 2,075 2,087 2,087

15.91 14.52 15.33 11.07 11.74 6.42 6.04 5.80 3.02 1.58 1.10 1.05 1.01 1.10 0.86 1.44 0.62 0.81 0.57 0.00

15.91 30.43 45.76 56.83 68.57 74.99 81.03 86.82 89.84 91.42 92.53 93.58 94.59 95.69 96.55 97.99 98.61 99.43 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 167.43 66.74 157.90 184.73 352.46 307.63 398.19 451.27 344.74 166.46 137.79 204.17 190.73 266.99 79.81 426.39 171.88 178.12 144.35 0.00 4,397.80

167.43 3.81 3.81 234.17 1.52 5.32 392.07 3.59 8.92 576.81 4.20 13.12 929.27 8.01 21.13 1,236.91 7.00 28.13 1,635.09 9.05 37.18 2,086.36 10.26 47.44 2,431.11 7.84 55.28 2,597.57 3.79 59.07 2,735.35 3.13 62.20 2,939.52 4.64 66.84 3,130.26 4.34 71.18 3,397.25 6.07 77.25 3,477.06 1.81 79.06 3,903.45 9.70 88.76 4,075.33 3.91 92.67 4,253.45 4.05 96.72 4,397.80 3.28 100.00 4,397.80 0.00 100.00

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

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

25.00 0.00 0.00 0.00 0.00 0.00 25.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.00 25.00 0.00 0.00 0.00 0.00

01/01/2009

15/12/2010

DATE

15/03/2011

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

25.00 40.53 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 50.00 68.21 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 75.00 1,752.27 100.00 20,000.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 21,861.02

40.53 0.19 40.53 0.00 40.53 0.00 40.53 0.00 40.53 0.00 40.53 0.00 108.74 0.31 108.74 0.00 108.74 0.00 108.74 0.00 108.74 0.00 108.74 0.00 108.74 0.00 108.74 0.00 1,861.02 8.02 21,861.02 91.49 21,861.02 0.00 21,861.02 0.00 21,861.02 0.00 21,861.02 0.00

0.19 24.20 24.20 0.19 0.00 17.31 0.19 0.00 10.34 0.19 0.00 7.03 0.19 0.00 4.36 0.19 0.00 3.28 0.50 17.13 6.65 0.50 0.00 5.21 0.50 0.00 4.47 0.50 0.00 4.19 0.50 0.00 3.98 0.50 0.00 3.70 0.50 0.00 3.47 0.50 0.00 3.20 8.51 2195.4 53.52 100.00 4690.5 560.04 100.00 0.00 536.42 100.00 0.00 513.96 100.00 0.00 497.09 100.00 0.00 497.09 497.09

Page 146 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

802 780 1,124 831 1,010 577 439 358 203 143 76 102 57 87 39 57 39 8 19 0

198.23 251.71 538.91 664.86 1,515.13 1,312.58 1,354.24 1,582.82 1,204.67 1,009.82 646.94 812.16 533.29 870.40 516.00 777.46 555.61 257.38 859.25 0.00

6,751

802 1,582 2,706 3,537 4,547 5,124 5,563 5,921 6,124 6,267 6,343 6,445 6,502 6,589 6,628 6,685 6,724 6,732 6,751 6,751

11.88 11.55 16.65 12.31 14.96 8.55 6.50 5.30 3.01 2.12 1.13 1.51 0.84 1.29 0.58 0.84 0.58 0.12 0.28 0.00

11.88 23.43 40.08 52.39 67.35 75.90 82.40 87.71 90.71 92.83 93.96 95.47 96.31 97.60 98.18 99.02 99.60 99.72 100.00 100.00

15,461.45

198.23 1.28 1.28 449.94 1.63 2.91 988.84 3.49 6.40 1,653.71 4.30 10.70 3,168.84 9.80 20.50 4,481.41 8.49 28.98 5,835.65 8.76 37.74 7,418.47 10.24 47.98 8,623.14 7.79 55.77 9,632.96 6.53 62.30 10,279.90 4.18 66.49 11,092.06 5.25 71.74 11,625.35 3.45 75.19 12,495.75 5.63 80.82 13,011.76 3.34 84.16 13,789.21 5.03 89.18 14,344.83 3.59 92.78 14,602.20 1.66 94.44 15,461.45 5.56 100.00 15,461.45 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 3 0 0 0 0 1 1 0 1 0 1 0 0 0 0 1 4 10 0 22

0 0.00 0.00 3 13.64 13.64 3 0.00 13.64 3 0.00 13.64 3 0.00 13.64 3 0.00 13.64 4 4.55 18.18 5 4.55 22.73 5 0.00 22.73 6 4.55 27.27 6 0.00 27.27 7 4.55 31.82 7 0.00 31.82 7 0.00 31.82 7 0.00 31.82 7 0.00 31.82 8 4.55 36.36 12 18.18 54.55 22 45.45 100.00 22 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 99.79 0.00 0.00 0.00 0.00 900.00 210.75 0.00 900.00 0.00 14.83 0.00 0.00 0.00 0.00 2.48 12.13 67.16 0.00 2,207.13

0.00 0.00 99.79 4.52 99.79 0.00 99.79 0.00 99.79 0.00 99.79 0.00 999.79 40.78 1,210.54 9.55 1,210.54 0.00 2,110.54 40.78 2,110.54 0.00 2,125.37 0.67 2,125.37 0.00 2,125.37 0.00 2,125.37 0.00 2,125.37 0.00 2,127.85 0.11 2,139.97 0.55 2,207.13 3.04 2,207.13 0.00

0.00 4.52 4.52 4.52 4.52 4.52 45.30 54.85 54.85 95.62 95.62 96.30 96.30 96.30 96.30 96.30 96.41 96.96 100.00 100.00

0.00 39.65 0.00 0.00 0.00 0.00 66.46 13.31 0.00 89.12 0.00 1.83 0.00 0.00 0.00 0.00 0.45 4.71 7.82 0.00

0.00 22.18 10.09 6.03 3.15 2.23 17.13 16.32 14.04 21.91 20.53 19.16 18.28 17.01 16.33 15.41 14.83 14.66 14.28 14.28

14.28

Page 147 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 140 153 237 129 154 109 100 88 55 25 14 20 21 19 3 1 1 3 2 2 1,276

140 293 530 659 813 922 1,022 1,110 1,165 1,190 1,204 1,224 1,245 1,264 1,267 1,268 1,269 1,272 1,274 1,276

10.97 11.99 18.57 10.11 12.07 8.54 7.84 6.90 4.31 1.96 1.10 1.57 1.65 1.49 0.24 0.08 0.08 0.24 0.16 0.16

10.97 22.96 41.54 51.65 63.71 72.26 80.09 86.99 91.30 93.26 94.36 95.92 97.57 99.06 99.29 99.37 99.45 99.69 99.84 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 67.97 33.08 123.83 93.83 230.70 230.88 281.14 496.42 383.83 205.46 124.92 193.18 236.19 244.79 55.44 67.87 8.05 130.67 27.00 0.00 3,235.27

67.97 2.10 2.10 101.06 1.02 3.12 224.89 3.83 6.95 318.73 2.90 9.85 549.42 7.13 16.98 780.30 7.14 24.12 1,061.45 8.69 32.81 1,557.87 15.34 48.15 1,941.70 11.86 60.02 2,147.16 6.35 66.37 2,272.08 3.86 70.23 2,465.26 5.97 76.20 2,701.45 7.30 83.50 2,946.24 7.57 91.07 3,001.68 1.71 92.78 3,069.55 2.10 94.88 3,077.60 0.25 95.13 3,208.27 4.04 99.17 3,235.27 0.83 100.00 3,235.27 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

15/12/2010

DATE

15/03/2011

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 148 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 277 356 596 319 331 199 168 108 66 38 32 30 21 20 16 26 12 4 1 0 2,620

277 633 1,229 1,548 1,879 2,078 2,246 2,354 2,420 2,458 2,490 2,520 2,541 2,561 2,577 2,603 2,615 2,619 2,620 2,620

10.57 13.59 22.75 12.18 12.63 7.60 6.41 4.12 2.52 1.45 1.22 1.15 0.80 0.76 0.61 0.99 0.46 0.15 0.04 0.00

10.57 24.16 46.91 59.08 71.72 79.31 85.73 89.85 92.37 93.82 95.04 96.18 96.98 97.75 98.36 99.35 99.81 99.96 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 37.73 61.97 183.06 184.74 372.93 442.47 524.59 420.39 347.40 263.25 258.10 271.71 159.34 242.90 277.72 304.96 271.42 65.05 6.33 0.00 4,696.06

37.73 0.80 0.80 99.69 1.32 2.12 282.75 3.90 6.02 467.50 3.93 9.96 840.43 7.94 17.90 1,282.89 9.42 27.32 1,807.48 11.17 38.49 2,227.88 8.95 47.44 2,575.28 7.40 54.84 2,838.53 5.61 60.44 3,096.63 5.50 65.94 3,368.35 5.79 71.73 3,527.68 3.39 75.12 3,770.58 5.17 80.29 4,048.30 5.91 86.21 4,353.26 6.49 92.70 4,624.68 5.78 98.48 4,689.73 1.39 99.87 4,696.06 0.13 100.00 4,696.06 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

15/12/2010

DATE

15/03/2011

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 149 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 7,483 6,127 9,433 6,426 7,290 3,566 2,460 2,016 1,207 713 651 822 595 802 618 1,003 964 499 622 213 53,510

7,483 13,610 23,043 29,469 36,759 40,325 42,785 44,801 46,008 46,721 47,372 48,194 48,789 49,591 50,209 51,212 52,176 52,675 53,297 53,510

13.98 11.45 17.63 12.01 13.62 6.66 4.60 3.77 2.26 1.33 1.22 1.54 1.11 1.50 1.15 1.87 1.80 0.93 1.16 0.40

13.98 25.43 43.06 55.07 68.70 75.36 79.96 83.72 85.98 87.31 88.53 90.07 91.18 92.68 93.83 95.71 97.51 98.44 99.60 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 8,537.91 1,187.86 2,754.36 2,728.94 5,133.44 3,913.59 3,588.38 4,217.58 3,604.86 2,604.24 2,899.96 3,983.09 3,495.11 6,108.34 5,879.84 12,880.00 14,038.34 6,393.89 7,096.39 870.84 101,916.97

8,537.91 8.38 8.38 9,725.77 1.17 9.54 12,480.13 2.70 12.25 15,209.08 2.68 14.92 20,342.52 5.04 19.96 24,256.12 3.84 23.80 27,844.50 3.52 27.32 32,062.08 4.14 31.46 35,666.94 3.54 35.00 38,271.18 2.56 37.55 41,171.14 2.85 40.40 45,154.23 3.91 44.30 48,649.34 3.43 47.73 54,757.68 5.99 53.73 60,637.52 5.77 59.50 73,517.52 12.64 72.13 87,555.85 13.77 85.91 93,949.74 6.27 92.18 101,046.13 6.96 99.15 101,916.97 0.85 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

01/01/2009

15/12/2010

DATE

15/03/2011

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

32 1 5 6 7 1 5 8 3 5 1 4 3 3 5 6 12 9 9 8

32 24.06 24.06 4,587.47 33 0.75 24.81 3.17 38 3.76 28.57 201.31 44 4.51 33.08 51.74 51 5.26 38.35 156.19 52 0.75 39.10 413.39 57 3.76 42.86 106.69 65 6.02 48.87 527.97 68 2.26 51.13 79.60 73 3.76 54.89 36.11 74 0.75 55.64 10.25 78 3.01 58.65 174.29 81 2.26 60.90 4,702.23 84 2.26 63.16 3,926.05 89 3.76 66.92 305.42 95 4.51 71.43 290.56 107 9.02 80.45 2,169.92 116 6.77 87.22 12,211.07 125 6.77 93.98 9,586.00 133 6.02 100.00 5,405.41

133

44,944.87

4,587.47 4,590.64 4,791.95 4,843.70 4,999.89 5,413.28 5,519.97 6,047.94 6,127.55 6,163.66 6,173.91 6,348.20 11,050.43 14,976.48 15,281.90 15,572.46 17,742.38 29,953.46 39,539.45 44,944.87

10.21 0.01 0.45 0.12 0.35 0.92 0.24 1.17 0.18 0.08 0.02 0.39 10.46 8.74 0.68 0.65 4.83 27.17 21.33 12.03

10.21 10.21 10.66 10.78 11.12 12.04 12.28 13.46 13.63 13.71 13.74 14.12 24.59 33.32 34.00 34.65 39.48 66.64 87.97 100.00

53.73 0.27 7.31 1.90 3.04 10.56 2.97 12.52 2.21 1.39 0.35 4.38 134.54 64.27 5.19 2.26 15.46 190.98 135.08 620.72

53.73 47.20 38.40 31.85 24.58 22.32 19.82 18.86 17.18 16.11 15.00 14.06 22.71 27.35 25.20 21.18 20.26 31.88 39.13 44.10

44.10

Page 150 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 334 382 504 330 415 255 160 119 87 33 26 29 28 34 17 21 13 12 18 12 2,829

334 716 1,220 1,550 1,965 2,220 2,380 2,499 2,586 2,619 2,645 2,674 2,702 2,736 2,753 2,774 2,787 2,799 2,817 2,829

11.81 13.50 17.82 11.66 14.67 9.01 5.66 4.21 3.08 1.17 0.92 1.03 0.99 1.20 0.60 0.74 0.46 0.42 0.64 0.42

11.81 25.31 43.12 54.79 69.46 78.47 84.13 88.34 91.41 92.58 93.50 94.52 95.51 96.71 97.31 98.06 98.52 98.94 99.58 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 470.12 77.78 201.43 219.80 401.92 389.26 386.47 343.11 308.45 129.17 131.32 197.52 200.51 255.90 147.77 171.82 488.31 65.68 150.11 218.99 4,955.45

470.12 547.91 749.34 969.14 1,371.05 1,760.32 2,146.79 2,489.89 2,798.35 2,927.52 3,058.84 3,256.36 3,456.87 3,712.77 3,860.54 4,032.36 4,520.67 4,586.36 4,736.46 4,955.45

9.49 9.49 1.57 11.06 4.06 15.12 4.44 19.56 8.11 27.67 7.86 35.52 7.80 43.32 6.92 50.25 6.22 56.47 2.61 59.08 2.65 61.73 3.99 65.71 4.05 69.76 5.16 74.92 2.98 77.90 3.47 81.37 9.85 91.23 1.33 92.55 3.03 95.58 4.42 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 1 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 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 2 50.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

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 0.00 394.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 866.72 0.00 0.00 0.00 1,261.51

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 394.80 31.30 394.80 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 0.00 394.80 0.00 1,261.51 68.70 1,261.51 0.00 1,261.51 0.00 1,261.51 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 31.30 102.15 31.30 0.00 31.30 0.00 31.30 0.00 31.30 0.00 31.30 0.00 31.30 0.00 31.30 0.00 31.30 0.00 31.30 0.00 100.00 177.49 100.00 0.00 100.00 0.00 100.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 18.39 15.86 14.11 13.49 12.91 12.12 11.42 10.63 10.23 9.79 27.91 27.51 26.63 25.46

25.46

Page 151 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 338 407 520 366 328 238 118 128 57 37 35 26 15 28 18 9 21 2 6 2 2,699

338 745 1,265 1,631 1,959 2,197 2,315 2,443 2,500 2,537 2,572 2,598 2,613 2,641 2,659 2,668 2,689 2,691 2,697 2,699

12.52 15.08 19.27 13.56 12.15 8.82 4.37 4.74 2.11 1.37 1.30 0.96 0.56 1.04 0.67 0.33 0.78 0.07 0.22 0.07

12.52 27.60 46.87 60.43 72.58 81.40 85.77 90.52 92.63 94.00 95.29 96.26 96.81 97.85 98.52 98.85 99.63 99.70 99.93 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 120.79 113.78 193.02 229.81 306.70 364.30 308.32 420.53 297.79 159.81 204.38 225.64 185.98 293.19 145.62 177.71 152.67 12.52 0.00 0.00 3,912.56

120.79 3.09 3.09 234.58 2.91 6.00 427.59 4.93 10.93 657.40 5.87 16.80 964.10 7.84 24.64 1,328.40 9.31 33.95 1,636.72 7.88 41.83 2,057.25 10.75 52.58 2,355.04 7.61 60.19 2,514.85 4.08 64.28 2,719.24 5.22 69.50 2,944.87 5.77 75.27 3,130.85 4.75 80.02 3,424.04 7.49 87.51 3,569.66 3.72 91.24 3,747.37 4.54 95.78 3,900.04 3.90 99.68 3,912.56 0.32 100.00 3,912.56 0.00 100.00 3,912.56 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 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

15/12/2010

DATE

15/03/2011

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 70.37 0.00 0.00 0.00 0.00 0.00 70.37

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 70.37 100.0 70.37 0.00 70.37 0.00 70.37 0.00 70.37 0.00 70.37 0.00

0.00 0.00 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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 48.32 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.97 1.88 1.80 1.80 1.80 1.80

1.80

Page 152 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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

1,977 2,454 3,835 2,578 2,667 1,173 723 555 274 158 139 150 92 121 121 155 133 61 106 35

4,394.28 444.39 1,022.03 1,561.17 3,168.11 1,922.63 1,524.80 1,610.25 1,123.28 1,231.42 2,190.02 840.49 859.26 1,123.20 1,042.32 1,893.76 2,401.42 1,243.74 4,104.97 1,347.83

17,507

1,977 4,431 8,266 10,844 13,511 14,684 15,407 15,962 16,236 16,394 16,533 16,683 16,775 16,896 17,017 17,172 17,305 17,366 17,472 17,507

11.29 14.02 21.91 14.73 15.23 6.70 4.13 3.17 1.57 0.90 0.79 0.86 0.53 0.69 0.69 0.89 0.76 0.35 0.61 0.20

11.29 25.31 47.22 61.94 77.17 83.88 88.00 91.17 92.74 93.64 94.44 95.29 95.82 96.51 97.20 98.09 98.85 99.19 99.80 100.00

35,049.37

4,394.28 12.54 12.54 4,838.67 1.27 13.81 5,860.70 2.92 16.72 7,421.88 4.45 21.18 10,589.99 9.04 30.21 12,512.61 5.49 35.70 14,037.42 4.35 40.05 15,647.67 4.59 44.64 16,770.94 3.20 47.85 18,002.37 3.51 51.36 20,192.38 6.25 57.61 21,032.87 2.40 60.01 21,892.13 2.45 62.46 23,015.34 3.20 65.67 24,057.65 2.97 68.64 25,951.42 5.40 74.04 28,352.83 6.85 80.89 29,596.57 3.55 84.44 33,701.54 11.71 96.15 35,049.37 3.85 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 3 0 1 0 2 0 2 0 0 0 0 2 0 0 2 1 2 1 3 0 19

3 3 4 4 6 6 8 8 8 8 8 10 10 10 12 13 15 16 19 19

15.79 15.79 0.00 15.79 5.26 21.05 0.00 21.05 10.53 31.58 0.00 31.58 10.53 42.11 0.00 42.11 0.00 42.11 0.00 42.11 0.00 42.11 10.53 52.63 0.00 52.63 0.00 52.63 10.53 63.16 5.26 68.42 10.53 78.95 5.26 84.21 15.79 100.00 0.00 100.00

01/01/2009

15/12/2010

DATE

15/03/2011

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 12.35 0.00 20.00 0.00 125.40 0.00 200.15 0.00 0.00 0.00 0.00 0.91 0.00 0.00 10.00 976.65 9.91 2.65 12.63 0.00 1,370.64

12.35 0.90 12.35 0.00 32.35 1.46 32.35 0.00 157.75 9.15 157.75 0.00 357.90 14.60 357.90 0.00 357.90 0.00 357.90 0.00 357.90 0.00 358.80 0.07 358.80 0.00 358.80 0.00 368.80 0.73 1,345.45 71.25 1,355.36 0.72 1,358.01 0.19 1,370.64 0.92 1,370.64 0.00

0.90 0.90 2.36 2.36 11.51 11.51 26.11 26.11 26.11 26.11 26.11 26.18 26.18 26.18 26.91 98.16 98.88 99.08 100.00 100.00

0.28 0.00 1.96 0.00 3.96 0.00 13.13 0.00 0.00 0.00 0.00 0.11 0.00 0.00 0.96 51.57 0.41 0.21 0.31 0.00

0.28 0.26 0.55 0.44 1.49 1.26 2.55 2.29 2.13 1.99 1.77 1.71 1.64 1.56 1.53 5.18 4.78 4.59 4.07 3.91

3.91

Page 153 of 204

RISK AND LOSS PROFILE 2010

PT. REASURANSI INTERNASIONAL 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 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

DATA POSITION FROM

01/01/2010

UNDERWRITING YEAR

2010

15/12/2010

OCCUPATION CODE

All Code

PROCESSING DATE

15/03/2011

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.

119,344 119,687 177,662 118,181 138,995 75,780 59,373 44,841 25,096 13,710 10,833 12,622 8,610 11,184 6,953 10,771 9,157 4,233 4,888 1,692 973,612

119,34 239,03 416,69 534,87 673,86 749,64 809,02 853,86 878,95 892,66 903,50 916,12 924,73 935,91 942,87 953,64 962,79 967,03 971,92 973,61

12.26 12.26 12.29 24.55 18.25 42.80 12.14 54.94 14.28 69.21 7.78 77.00 6.10 83.09 4.61 87.70 2.58 90.28 1.41 91.69 1.11 92.80 1.30 94.10 0.88 94.98 1.15 96.13 0.71 96.84 1.11 97.95 0.94 98.89 0.43 99.32 0.50 99.83 0.17 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 74,640.17 19,463.71 60,555.74 64,186.55 117,756.59 94,020.37 99,613.99 103,170.77 79,350.10 54,101.38 48,998.80 67,655.58 54,340.11 86,007.17 67,833.87 141,487.66 153,972.93 70,144.98 93,418.45 249,585.39 1,800,304.3

74,640.17 94,103.88 154,659.61 218,846.16 336,602.75 430,623.12 530,237.11 633,407.87 712,757.97 766,859.35 815,858.14 883,513.72 937,853.83 1,023,861.00 1,091,694.87 1,233,182.53 1,387,155.46 1,457,300.44 1,550,718.89 1,800,304.28

4.15 4.15 1.08 5.23 3.36 8.59 3.57 12.16 6.54 18.70 5.22 23.92 5.53 29.45 5.73 35.18 4.41 39.59 3.01 42.60 2.72 45.32 3.76 49.08 3.02 52.09 4.78 56.87 3.77 60.64 7.86 68.50 8.55 77.05 3.90 80.95 5.19 86.14 13.86 100.00

f 31 13 15 8 11 6 7 5 5 5 4 4 2 3 6 14 18 4 7 2 170

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 31 44 59 67 78 84 91 96 101 106 110 114 116 119 125 139 157 161 168 170

18.24 7.65 8.82 4.71 6.47 3.53 4.12 2.94 2.94 2.94 2.35 2.35 1.18 1.76 3.53 8.24 10.59 2.35 4.12 1.18

18.24 25.88 34.71 39.41 45.88 49.41 53.53 56.47 59.41 62.35 64.71 67.06 68.24 70.00 73.53 81.76 92.35 94.71 98.82 100.00

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

1,053.91 561.60 929.58 266.58 945.56 632.68 726.68 402.92 142.88 3,993.79 1,394.22 263.56 89.52 67.03 1,259.10 1,623.29 5,422.61 130.37 172.74 533.80 20,612.42

1,053.91 1,615.51 2,545.09 2,811.67 3,757.23 4,389.91 5,116.59 5,519.50 5,662.39 9,656.18 11,050.40 11,313.96 11,403.48 11,470.51 12,729.62 14,352.91 19,775.51 19,905.89 20,078.63 20,612.43

5.11 5.11 2.72 7.84 4.51 12.35 1.29 13.64 4.59 18.23 3.07 21.30 3.53 24.82 1.95 26.78 0.69 27.47 19.38 46.85 6.76 53.61 1.28 54.89 0.43 55.32 0.33 55.65 6.11 61.76 7.88 69.63 26.31 95.94 0.63 96.57 0.84 97.41 2.59 100.00

LOSS RATIO PERCENTAGE BAND CUM. 1.41 2.89 1.54 0.42 0.80 0.67 0.73 0.39 0.18 7.38 2.85 0.39 0.16 0.08 1.86 1.15 3.52 0.19 0.18 0.21

1.41 1.72 1.65 1.28 1.12 1.02 0.96 0.87 0.79 1.26 1.35 1.28 1.22 1.12 1.17 1.16 1.43 1.37 1.29 1.14

1.14

Page 154 of 204

RISK AND LOSS PROFILE 2010 GROUP BY CLASS OF BUSINESS

PT. REASURANSI INTERNASIONAL 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 2010 CLASS OF BUSINESS

: FIRE

UNDERWRITING YEAR

: 2010

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. 96,227 109,475 159,854 104,779 117,210 58,707 39,179 28,994 15,019 7,636 5,602 6,045 3,703 4,407 2,287 3,259 2,374 948 945 500 767,150

96,227 205,702 365,556 470,335 587,545 646,252 685,431 714,425 729,444 737,080 742,682 748,727 752,430 756,837 759,124 762,383 764,757 765,705 766,650 767,150

12.54 14.27 20.84 13.66 15.28 7.65 5.11 3.78 1.96 1.00 0.73 0.79 0.48 0.57 0.30 0.42 0.31 0.12 0.12 0.07

12.54 26.81 47.65 61.31 76.59 84.24 89.35 93.13 95.08 96.08 96.81 97.60 98.08 98.66 98.95 99.38 99.69 99.81 99.93 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 40,211.51 21,558.16 55,620.34 58,324.27 103,232.12 78,617.13 76,208.26 77,032.13 55,714.67 35,324.74 31,139.18 39,628.31 29,965.00 44,435.49 29,948.11 57,840.07 45,125.13 14,892.37 9,331.91 16,480.52 920,629.43

40,211.51 4.37 4.37 61,769.67 2.34 6.71 117,390.00 6.04 12.75 175,714.27 6.34 19.09 278,946.40 11.21 30.30 357,563.53 8.54 38.84 433,771.79 8.28 47.12 510,803.92 8.37 55.48 566,518.59 6.05 61.54 601,843.33 3.84 65.37 632,982.50 3.38 68.76 672,610.82 4.30 73.06 702,575.82 3.25 76.31 747,011.30 4.83 81.14 776,959.41 3.25 84.39 834,799.48 6.28 90.68 879,924.62 4.90 95.58 894,816.99 1.62 97.20 904,148.90 1.01 98.21 920,629.43 1.79 100.00

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

10 12 14 4 8 3 3 3 2 2 2 4 1 1 2 9 7 1 2 1

205.72 561.60 928.59 143.19 648.50 597.38 570.33 360.08 100.00 3,976.11 1,382.00 263.56 85.00 11.63 319.69 574.01 3,919.60 1.75 125.24 440.14

10 10.99 10.99 22 13.19 24.18 36 15.38 39.56 40 4.40 43.96 48 8.79 52.75 51 3.30 56.04 54 3.30 59.34 57 3.30 62.64 59 2.20 64.84 61 2.20 67.03 63 2.20 69.23 67 4.40 73.63 68 1.10 74.73 69 1.10 75.82 71 2.20 78.02 80 9.89 87.91 87 7.69 95.60 88 1.10 96.70 90 2.20 98.90 91 1.10 100.00

15,214.11

205.72 1.35 767.32 3.69 1,695.90 6.10 1,839.10 0.94 2,487.59 4.26 3,084.98 3.93 3,655.31 3.75 4,015.39 2.37 4,115.39 0.66 8,091.50 26.13 9,473.50 9.08 9,737.06 1.73 9,822.06 0.56 9,833.69 0.08 10,153.38 2.10 10,727.39 3.77 14,646.99 25.76 14,648.73 0.01 14,773.98 0.82 15,214.11 2.89

1.35 5.04 11.15 12.09 16.35 20.28 24.03 26.39 27.05 53.18 62.27 64.00 64.56 64.64 66.74 70.51 96.27 96.28 97.11 100.00

0.51 2.61 1.67 0.25 0.63 0.76 0.75 0.47 0.18 11.26 4.44 0.67 0.28 0.03 1.07 0.99 8.69 0.01 1.34 2.67

0.51 1.24 1.44 1.05 0.89 0.86 0.84 0.79 0.73 1.34 1.50 1.45 1.40 1.32 1.31 1.29 1.66 1.64 1.63 1.65

1.65

Page 155 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: I.A.R

UNDERWRITING YEAR

: 2010

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. 13,245 5,616 9,062 7,624 13,186 10,573 12,327 10,262 6,469 3,891 3,364 4,124 2,948 4,067 2,657 4,265 3,756 1,875 2,147 604 122,062

13,245 10.85 18,861 4.60 27,923 7.42 35,547 6.25 48,733 10.80 59,306 8.66 71,633 10.10 81,895 8.41 88,364 5.30 92,255 3.19 95,619 2.76 99,743 3.38 102,691 2.42 106,758 3.33 109,415 2.18 113,680 3.49 117,436 3.08 119,311 1.54 121,458 1.76 122,062 0.49

10.85 15.45 22.88 29.12 39.92 48.59 58.69 67.09 72.39 75.58 78.34 81.72 84.13 87.46 89.64 93.13 96.21 97.75 99.51 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 18,771.61 -2,997.91 2,729.83 3,382.65 9,228.21 9,785.38 14,091.63 17,396.88 15,896.60 12,680.68 12,155.23 18,796.76 15,652.43 26,195.65 23,488.46 47,243.30 61,448.06 27,967.20 33,853.27 215,035.0 582,800.9

18,771.61 3.22 3.22 15,773.70 -0.51 2.71 18,503.54 0.47 3.17 21,886.18 0.58 3.76 31,114.40 1.58 5.34 40,899.77 1.68 7.02 54,991.40 2.42 9.44 72,388.28 2.99 12.42 88,284.88 2.73 15.15 100,965.56 2.18 17.32 113,120.80 2.09 19.41 131,917.55 3.23 22.64 147,569.99 2.69 25.32 173,765.64 4.49 29.82 197,254.10 4.03 33.85 244,497.40 8.11 41.95 305,945.46 10.54 52.50 333,912.66 4.80 57.29 367,765.93 5.81 63.10 582,800.97 36.90 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 21 1 1 4 3 3 4 2 3 3 2 0 1 2 4 4 11 3 5 1 78

21 26.92 26.92 22 1.28 28.21 23 1.28 29.49 27 5.13 34.62 30 3.85 38.46 33 3.85 42.31 37 5.13 47.44 39 2.56 50.00 42 3.85 53.85 45 3.85 57.69 47 2.56 60.26 47 0.00 60.26 48 1.28 61.54 50 2.56 64.10 54 5.13 69.23 58 5.13 74.36 69 14.10 88.46 72 3.85 92.31 77 6.41 98.72 78 1.28 100.00

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 848.19 0.00 0.99 123.39 297.06 35.30 156.35 42.84 42.88 17.68 12.22 0.00 4.52 55.40 939.42 899.28 1,503.00 128.63 47.50 93.67 5,248.32

848.19 848.19 849.18 972.57 1,269.63 1,304.93 1,461.28 1,504.12 1,547.00 1,564.68 1,576.91 1,576.91 1,581.42 1,636.82 2,576.24 3,475.52 4,978.52 5,107.15 5,154.65 5,248.32

16.16 0.00 0.02 2.35 5.66 0.67 2.98 0.82 0.82 0.34 0.23 0.00 0.09 1.06 17.90 17.13 28.64 2.45 0.91 1.78

16.16 16.16 16.18 18.53 24.19 24.86 27.84 28.66 29.48 29.81 30.05 30.05 30.13 31.19 49.09 66.22 94.86 97.31 98.22 100.00

4.52 0.00 0.04 3.65 3.22 0.36 1.11 0.25 0.27 0.14 0.10 0.00 0.03 0.21 4.00 1.90 2.45 0.46 0.14 0.04

4.52 5.38 4.59 4.44 4.08 3.19 2.66 2.08 1.75 1.55 1.39 1.20 1.07 0.94 1.31 1.42 1.63 1.53 1.40 0.90

0.90

Page 156 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: L.O.P

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM

01/01/2010

15/12/2010

DATE

15/03/2011

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2 1 1 1 1 3 2 1 1 2 1 1 4 5 3 13 7 7 12 6

2 2.70 3 1.35 4 1.35 5 1.35 6 1.35 9 4.05 11 2.70 12 1.35 13 1.35 15 2.70 16 1.35 17 1.35 21 5.41 26 6.76 29 4.05 42 17.57 49 9.46 56 9.46 68 16.22 74 8.11

2.70 4.05 5.41 6.76 8.11 12.16 14.86 16.22 17.57 20.27 21.62 22.97 28.38 35.14 39.19 56.76 66.22 75.68 91.89 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 0.99 0.25 0.25 0.75 1.04 2.16 1.18 3.36 2.64 0.03 4.03 0.00 9.07 13.61 39.44 37.07 28.42 0.51 82.89 11.45 239.12

0.99 1.24 1.49 2.24 3.28 5.44 6.62 9.98 12.61 12.64 16.67 16.67 25.74 39.35 78.79 115.86 144.28 144.79 227.67 239.12

0.41 0.41 0.10 0.52 0.11 0.62 0.31 0.94 0.43 1.37 0.90 2.28 0.49 2.77 1.41 4.17 1.10 5.28 0.01 5.29 1.69 6.97 0.00 6.97 3.79 10.76 5.69 16.46 16.49 32.95 15.50 48.45 11.88 60.34 0.21 60.55 34.66 95.21 4.79 100.00

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

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 2010 CLASS OF BUSINESS

: Earthquake

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: All Code

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

9,870 4,596 8,745 5,778 8,597 6,496 7,865 5,585 3,606 2,181 1,867 2,451 1,955 2,705 2,006 3,234 3,020 1,403 1,784 582 84,326

9,870 11.70 14,466 5.45 23,211 10.37 28,989 6.85 37,586 10.19 44,082 7.70 51,947 9.33 57,532 6.62 61,138 4.28 63,319 2.59 65,186 2.21 67,637 2.91 69,592 2.32 72,297 3.21 74,303 2.38 77,537 3.84 80,557 3.58 81,960 1.66 83,744 2.12 84,326 0.69

11.70 17.15 27.53 34.38 44.57 52.28 61.60 68.23 72.50 75.09 77.30 80.21 82.53 85.74 88.11 91.95 95.53 97.19 99.31 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 15,656.05 903.47 2,205.32 2,479.62 5,295.26 5,614.66 9,312.93 8,741.75 7,732.83 6,095.94 5,704.38 9,226.48 8,713.61 15,362.42 14,357.86 36,367.23 47,371.31 27,284.90 50,150.38 18,058.37 296,634.76

15,656.05 5.28 5.28 16,559.52 0.30 5.58 18,764.84 0.74 6.33 21,244.46 0.84 7.16 26,539.72 1.79 8.95 32,154.38 1.89 10.84 41,467.30 3.14 13.98 50,209.06 2.95 16.93 57,941.88 2.61 19.53 64,037.82 2.06 21.59 69,742.20 1.92 23.51 78,968.68 3.11 26.62 87,682.29 2.94 29.56 103,044.71 5.18 34.74 117,402.56 4.84 39.58 153,769.80 12.26 51.84 201,141.11 15.97 67.81 228,426.01 9.20 77.01 278,576.39 16.91 93.91 296,634.76 6.09 100.00

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

01/01/2010

15/12/2010

DATE

15/03/2011

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 0.00 150.00 0.00 0.00 0.00 0.00 150.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 150.00 100.0 150.00 0.00 150.00 0.00 150.00 0.00 150.00 0.00

0.00 0.00 0.00 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 0.41 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 0.00 0.00 0.00 0.00 0.00 0.10 0.07 0.07 0.05 0.05

0.05

Page 158 of 204

RISK AND LOSS PROFILE 2010 GROUP BY OCCUPATION CODE

PT. REASURANSI INTERNASIONAL 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 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 20

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/03/2011

Mining, Driling Installation, Salt Mines, Peat Extraction, Metallurgical Plant

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 107 30 58 55 103 73 45 122 57 67 53 70 51 72 59 97 106 86 118 65 1,494

107 137 195 250 353 426 471 593 650 717 770 840 891 963 1,022 1,119 1,225 1,311 1,429 1,494

7.16 2.01 3.88 3.68 6.89 4.89 3.01 8.17 3.82 4.48 3.55 4.69 3.41 4.82 3.95 6.49 7.10 5.76 7.90 4.35

7.16 9.17 13.05 16.73 23.63 28.51 31.53 39.69 43.51 47.99 51.54 56.22 59.64 64.46 68.41 74.90 81.99 87.75 95.65 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 793.97 -0.73 22.74 33.28 55.81 66.58 50.90 279.54 114.34 248.85 101.67 197.46 238.00 402.21 444.47 954.76 2,217.77 1,303.54 1,941.10 1,626.80 11,093.07

793.97 793.24 815.98 849.26 905.07 971.65 1,022.56 1,302.10 1,416.44 1,665.29 1,766.96 1,964.41 2,202.41 2,604.62 3,049.10 4,003.86 6,221.63 7,525.17 9,466.27 11,093.07

7.16 7.16 -0.01 7.15 0.21 7.36 0.30 7.66 0.50 8.16 0.60 8.76 0.46 9.22 2.52 11.74 1.03 12.77 2.24 15.01 0.92 15.93 1.78 17.71 2.15 19.85 3.63 23.48 4.01 27.49 8.61 36.09 19.99 56.09 11.75 67.84 17.50 85.33 14.67 100.00

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

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 0.00 206.40 0.00 0.00 0.00 206.40

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 206.40 100.0 206.40 0.00 206.40 0.00 206.40 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 9.31 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 0.00 0.00 0.00 0.00 3.32 2.74 2.18 1.86

1.86 Page 159 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/03/2011

Stone, Earth, (Animal) Bones or Shells

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 204 65 91 78 139 75 68 153 94 58 69 69 59 92 76 118 139 69 135 31 1,882

204 10.84 269 3.45 360 4.84 438 4.14 577 7.39 652 3.99 720 3.61 873 8.13 967 4.99 1,025 3.08 1,094 3.67 1,163 3.67 1,222 3.13 1,314 4.89 1,390 4.04 1,508 6.27 1,647 7.39 1,716 3.67 1,851 7.17 1,882 1.65

10.84 14.29 19.13 23.27 30.66 34.64 38.26 46.39 51.38 54.46 58.13 61.80 64.93 69.82 73.86 80.13 87.51 91.18 98.35 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 600.53 17.99 35.60 42.72 104.92 68.10 109.12 258.42 243.97 205.69 298.73 336.64 362.72 495.47 597.77 1,175.47 2,007.95 818.38 2,357.33 2,373.91 12,511.43

600.53 618.52 654.12 696.84 801.76 869.86 978.97 1,237.40 1,481.37 1,687.05 1,985.78 2,322.42 2,685.14 3,180.61 3,778.38 4,953.85 6,961.80 7,780.19 10,137.52 12,511.43

4.80 0.14 0.28 0.34 0.84 0.54 0.87 2.07 1.95 1.64 2.39 2.69 2.90 3.96 4.78 9.40 16.05 6.54 18.84 18.97

4.80 4.94 5.23 5.57 6.41 6.95 7.82 9.89 11.84 13.48 15.87 18.56 21.46 25.42 30.20 39.59 55.64 62.18 81.03 100.00

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

2 50.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 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

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 27.98 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 6.99 0.00 0.00 34.97

27.98 80.00 27.98 0.00 27.98 0.00 27.98 0.00 27.98 0.00 27.98 0.00 27.98 0.00 27.98 0.00 27.98 0.00 27.98 0.00 27.98 0.00 27.98 0.00 27.98 0.00 27.98 0.00 27.98 0.00 27.98 0.00 27.98 0.00 34.97 20.00 34.97 0.00 34.97 0.00

80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 100.00 100.00 100.00

4.66 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 0.00 0.85 0.00 0.00

4.66 4.52 4.28 4.02 3.49 3.22 2.86 2.26 1.89 1.66 1.41 1.20 1.04 0.88 0.74 0.56 0.40 0.45 0.34 0.28

0.28

Page 160 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/03/2011

Metals

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 812 210 389 312 861 477 565 569 432 303 235 385 292 517 289 633 606 290 424 206 8,807

812 1,022 1,411 1,723 2,584 3,061 3,626 4,195 4,627 4,930 5,165 5,550 5,842 6,359 6,648 7,281 7,887 8,177 8,601 8,807

9.22 2.38 4.42 3.54 9.78 5.42 6.42 6.46 4.91 3.44 2.67 4.37 3.32 5.87 3.28 7.19 6.88 3.29 4.81 2.34

9.22 11.60 16.02 19.56 29.34 34.76 41.17 47.63 52.54 55.98 58.65 63.02 66.33 72.20 75.49 82.67 89.55 92.85 97.66 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,651.56 111.07 196.16 186.23 467.49 443.96 759.28 1,050.97 1,105.14 949.42 795.69 1,768.50 1,734.80 3,816.38 2,902.20 7,768.35 9,185.01 3,795.79 6,231.85 1,601.45 48,521.33

3,651.56 7.53 7.53 3,762.63 0.23 7.75 3,958.79 0.40 8.16 4,145.02 0.38 8.54 4,612.51 0.96 9.51 5,056.47 0.91 10.42 5,815.75 1.56 11.99 6,866.73 2.17 14.15 7,971.87 2.28 16.43 8,921.30 1.96 18.39 9,716.99 1.64 20.03 11,485.49 3.64 23.67 13,220.29 3.58 27.25 17,036.67 7.87 35.11 19,938.87 5.98 41.09 27,707.22 16.01 57.10 36,892.23 18.93 76.03 40,688.02 7.82 83.86 46,919.88 12.84 96.70 48,521.33 3.30 100.00

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

2 2 2 2 2 2 2 2 2 2 2 2 3 3 3 3 4 4 4 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 0.00 40.00 20.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 20.00 80.00 0.00 80.00 0.00 80.00 20.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.52 0.00 0.00 0.00 205.06 0.00 0.00 93.67 306.25

3.01 0.98 3.01 0.00 3.01 0.00 3.01 0.00 3.01 0.00 3.01 0.00 3.01 0.00 3.01 0.00 3.01 0.00 3.01 0.00 3.01 0.00 3.01 0.00 7.52 1.47 7.52 0.00 7.52 0.00 7.52 0.00 212.59 66.96 212.59 0.00 212.59 0.00 306.25 30.58

0.98 0.98 0.98 0.98 0.98 0.98 0.98 0.98 0.98 0.98 0.98 0.98 2.46 2.46 2.46 2.46 69.42 69.42 69.42 100.00

0.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.26 0.00 0.00 0.00 2.23 0.00 0.00 5.85

0.08 0.08 0.08 0.07 0.07 0.06 0.05 0.04 0.04 0.03 0.03 0.03 0.06 0.04 0.04 0.03 0.58 0.52 0.45 0.63

0.63 Page 161 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/03/2011

Chemicals / Oil / Gas

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 796 116 267 299 564 525 637 723 601 422 368 580 492 728 525 888 941 468 515 265 10,720

796 912 1,179 1,478 2,042 2,567 3,204 3,927 4,528 4,950 5,318 5,898 6,390 7,118 7,643 8,531 9,472 9,940 10,455 10,720

7.43 1.08 2.49 2.79 5.26 4.90 5.94 6.74 5.61 3.94 3.43 5.41 4.59 6.79 4.90 8.28 8.78 4.37 4.80 2.47

7.43 8.51 11.00 13.79 19.05 23.95 29.89 36.63 42.24 46.18 49.61 55.02 59.61 66.40 71.30 79.58 88.36 92.72 97.53 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

5,308.52 5,308.52 2.66 2.66 821.71 6,130.23 0.41 3.08 202.85 6,333.08 0.10 3.18 393.78 6,726.86 0.20 3.38 714.61 7,441.47 0.36 3.73 993.36 8,434.83 0.50 4.23 1,467.32 9,902.15 0.74 4.97 2,003.25 11,905.40 1.01 5.98 1,994.62 13,900.02 1.00 6.98 1,736.58 15,636.60 0.87 7.85 1,964.70 17,601.30 0.99 8.83 3,420.84 21,022.15 1.72 10.55 3,408.23 24,430.38 1.71 12.26 6,892.94 31,323.32 3.46 15.72 5,518.27 36,841.58 2.77 18.49 12,726.07 49,567.65 6.39 24.88 20,911.01 70,478.66 10.50 35.37 6,065.08 76,543.74 3.04 38.42 7,063.41 83,607.15 3.55 41.96 115,637.56 199,244.71 58.04 100.00

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

199,244.71

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 2 33.33 33.33 2 0.00 33.33 2 0.00 33.33 2 0.00 33.33 2 0.00 33.33 2 0.00 33.33 2 0.00 33.33 3 16.67 50.00 3 0.00 50.00 3 0.00 50.00 3 0.00 50.00 3 0.00 50.00 6 50.00 100.00 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 0.00 230.33 0.00 0.00 0.00 0.00 0.00 0.00 8.09 0.00 0.00 0.00 0.00 509.77 0.00 0.00 0.00 748.19

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 230.33 30.79 230.33 0.00 230.33 0.00 230.33 0.00 230.33 0.00 230.33 0.00 230.33 0.00 238.42 1.08 238.42 0.00 238.42 0.00 238.42 0.00 238.42 0.00 748.19 68.13 748.19 0.00 748.19 0.00 748.19 0.00

0.00 0.00 0.00 0.00 30.79 30.79 30.79 30.79 30.79 30.79 30.79 31.87 31.87 31.87 31.87 31.87 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 32.23 0.00 0.00 0.00 0.00 0.00 0.00 0.24 0.00 0.00 0.00 0.00 2.44 0.00 0.00 0.00

0.00 0.00 0.00 0.00 3.10 2.73 2.33 1.93 1.66 1.47 1.31 1.13 0.98 0.76 0.65 0.48 1.06 0.98 0.89 0.38

0.38

Page 162 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 24

DATA POSITION FROM

01/01/2010

15/12/2010

DATE

15/03/2011

PROCESSING

Textiles

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,091 631 1,321 1,088 1,634 1,090 934 914 604 328 345 382 298 483 316 600 618 293 437 114 13,521

1,091 8.07 1,722 4.67 3,043 9.77 4,131 8.05 5,765 12.08 6,855 8.06 7,789 6.91 8,703 6.76 9,307 4.47 9,635 2.43 9,980 2.55 10,362 2.83 10,660 2.20 11,143 3.57 11,459 2.34 12,059 4.44 12,677 4.57 12,970 2.17 13,407 3.23 13,521 0.84

8.07 12.74 22.51 30.55 42.64 50.70 57.61 64.37 68.83 71.26 73.81 76.64 78.84 82.41 84.75 89.19 93.76 95.92 99.16 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,288.09 425.08 823.91 959.05 2,143.47 2,047.81 2,474.20 2,736.49 2,274.03 1,552.39 1,688.31 2,619.26 1,884.80 3,976.82 2,876.69 8,015.65 8,608.86 4,892.91 8,512.41 3,562.78 65,362.99

3,288.09 5.03 5.03 3,713.17 0.65 5.68 4,537.08 1.26 6.94 5,496.13 1.47 8.41 7,639.60 3.28 11.69 9,687.41 3.13 14.82 12,161.60 3.79 18.61 14,898.10 4.19 22.79 17,172.12 3.48 26.27 18,724.51 2.38 28.65 20,412.82 2.58 31.23 23,032.08 4.01 35.24 24,916.88 2.88 38.12 28,893.70 6.08 44.20 31,770.39 4.40 48.61 39,786.04 12.26 60.87 48,394.89 13.17 74.04 53,287.80 7.49 81.53 61,800.21 13.02 94.55 65,362.99 5.45 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 5 0 0 0 1 0 0 0 2 0 2 0 0 0 2 0 5 0 2 0 19

5 5 5 5 6 6 6 6 8 8 10 10 10 10 12 12 17 17 19 19

26.32 26.32 0.00 26.32 0.00 26.32 0.00 26.32 5.26 31.58 0.00 31.58 0.00 31.58 0.00 31.58 10.53 42.11 0.00 42.11 10.53 52.63 0.00 52.63 0.00 52.63 0.00 52.63 10.53 63.16 0.00 63.16 26.32 89.47 0.00 89.47 10.53 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 260.90 0.00 0.00 0.00 29.39 0.00 0.00 0.00 118.00 0.00 40.59 0.00 0.00 0.00 616.04 0.00 754.62 0.00 146.20 0.00 1,965.75

260.90 13.27 260.90 0.00 260.90 0.00 260.90 0.00 290.29 1.50 290.29 0.00 290.29 0.00 290.29 0.00 408.29 6.00 408.29 0.00 448.88 2.06 448.88 0.00 448.88 0.00 448.88 0.00 1,064.93 31.34 1,064.93 0.00 1,819.54 38.39 1,819.54 0.00 1,965.75 7.44 1,965.75 0.00

13.27 13.27 13.27 13.27 14.77 14.77 14.77 14.77 20.77 20.77 22.84 22.84 22.84 22.84 54.17 54.17 92.56 92.56 100.00 100.00

7.93 0.00 0.00 0.00 1.37 0.00 0.00 0.00 5.19 0.00 2.40 0.00 0.00 0.00 21.42 0.00 8.77 0.00 1.72 0.00

7.93 7.03 5.75 4.75 3.80 3.00 2.39 1.95 2.38 2.18 2.20 1.95 1.80 1.55 3.35 2.68 3.76 3.41 3.18 3.01

3.01 Page 163 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 25

DATA POSITION FROM

01/01/2010

15/12/2010

DATE

15/03/2011

PROCESSING

Paper, Leather, Rubber

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 736 372 655 586 933 702 564 728 510 339 301 379 282 449 295 562 558 273 318 154 9,696

736 1,108 1,763 2,349 3,282 3,984 4,548 5,276 5,786 6,125 6,426 6,805 7,087 7,536 7,831 8,393 8,951 9,224 9,542 9,696

7.59 3.84 6.76 6.04 9.62 7.24 5.82 7.51 5.26 3.50 3.10 3.91 2.91 4.63 3.04 5.80 5.75 2.82 3.28 1.59

7.59 11.43 18.18 24.23 33.85 41.09 46.91 54.41 59.67 63.17 66.27 70.18 73.09 77.72 80.77 86.56 92.32 95.13 98.41 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,415.22 127.30 434.88 587.05 1,299.29 1,450.13 1,501.89 2,561.89 2,198.54 2,001.75 1,896.55 3,218.07 2,541.69 4,849.21 3,737.99 10,111.50 10,810.20 5,827.29 9,175.61 1,394.29 69,140.33

3,415.22 4.94 4.94 3,542.52 0.18 5.12 3,977.40 0.63 5.75 4,564.45 0.85 6.60 5,863.75 1.88 8.48 7,313.87 2.10 10.58 8,815.77 2.17 12.75 11,377.66 3.71 16.46 13,576.20 3.18 19.64 15,577.95 2.90 22.53 17,474.50 2.74 25.27 20,692.56 4.65 29.93 23,234.25 3.68 33.60 28,083.46 7.01 40.62 31,821.45 5.41 46.02 41,932.95 14.62 60.65 52,743.15 15.64 76.28 58,570.43 8.43 84.71 67,746.05 13.27 97.98 69,140.33 2.02 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 3 0 0 0 1 0 1 0 0 1 0 0 0 1 1 0 2 0 0 0 10

3 3 3 3 4 4 5 5 5 6 6 6 6 7 8 8 10 10 10 10

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

30.00 30.00 30.00 30.00 40.00 40.00 50.00 50.00 50.00 60.00 60.00 60.00 60.00 70.00 80.00 80.00 100.00 100.00 100.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 72.97 0.00 0.00 0.00 16.50 0.00 504.22 0.00 0.00 1,676.11 0.00 0.00 0.00 4.52 2.86 0.00 130.98 0.00 0.00 0.00 2,408.16

72.97 3.03 72.97 0.00 72.97 0.00 72.97 0.00 89.47 0.69 89.47 0.00 593.69 20.94 593.69 0.00 593.69 0.00 2,269.81 69.60 2,269.81 0.00 2,269.81 0.00 2,269.81 0.00 2,274.32 0.19 2,277.18 0.12 2,277.18 0.00 2,408.16 5.44 2,408.16 0.00 2,408.16 0.00 2,408.16 0.00

3.03 3.03 3.03 3.03 3.72 3.72 24.65 24.65 24.65 94.25 94.25 94.25 94.25 94.44 94.56 94.56 100.00 100.00 100.00 100.00

2.14 0.00 0.00 0.00 1.27 0.00 33.57 0.00 0.00 83.73 0.00 0.00 0.00 0.09 0.08 0.00 1.21 0.00 0.00 0.00

2.14 2.06 1.83 1.60 1.53 1.22 6.73 5.22 4.37 14.57 12.99 10.97 9.77 8.10 7.16 5.43 4.57 4.11 3.55 3.48

3.48

Page 164 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 26

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/03/2011

Wood, Bamboo and Rattan

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 751 502 613 404 563 411 375 394 283 249 196 279 203 313 233 380 481 172 236 21 7,059

751 10.64 1,253 7.11 1,866 8.68 2,270 5.72 2,833 7.98 3,244 5.82 3,619 5.31 4,013 5.58 4,296 4.01 4,545 3.53 4,741 2.78 5,020 3.95 5,223 2.88 5,536 4.43 5,769 3.30 6,149 5.38 6,630 6.81 6,802 2.44 7,038 3.34 7,059 0.30

10.64 17.75 26.43 32.16 40.13 45.96 51.27 56.85 60.86 64.39 67.16 71.11 73.99 78.42 81.73 87.11 93.92 96.36 99.70 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,215.45 345.46 880.81 754.71 1,473.03 1,485.24 1,804.72 2,188.72 2,080.77 2,210.84 1,889.54 2,985.76 2,496.08 5,399.04 4,687.33 9,587.05 14,000.20 5,991.51 5,936.41 458.44 69,871.11

3,215.45 4.60 4.60 3,560.91 0.49 5.10 4,441.72 1.26 6.36 5,196.43 1.08 7.44 6,669.46 2.11 9.55 8,154.70 2.13 11.67 9,959.43 2.58 14.25 12,148.14 3.13 17.39 14,228.91 2.98 20.36 16,439.75 3.16 23.53 18,329.30 2.70 26.23 21,315.06 4.27 30.51 23,811.14 3.57 34.08 29,210.18 7.73 41.81 33,897.51 6.71 48.51 43,484.55 13.72 62.24 57,484.76 20.04 82.27 63,476.27 8.58 90.85 69,412.68 8.50 99.34 69,871.11 0.66 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 2 0 0 0 5

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 60.00 60.00 5 40.00 100.00 5 0.00 100.00 5 0.00 100.00 5 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 0.00 114.67 3,177.01 0.00 0.00 0.00 3,291.68

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 114.67 3.48 3,291.68 96.52 3,291.68 0.00 3,291.68 0.00 3,291.68 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 3.48 100.00 100.00 100.00 100.00

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 1.20 22.69 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.26 5.73 5.19 4.74 4.71

4.71

Page 165 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 27

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/03/2011

Wood, Bamboo and Rattan

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

5,982 2,080 2,315 1,525 1,809 1,156 939 994 685 479 412 544 401 798 504 945 923 583 543 188 23,805

5,982 25.13 8,062 8.74 10,377 9.72 11,902 6.41 13,711 7.60 14,867 4.86 15,806 3.94 16,800 4.18 17,485 2.88 17,964 2.01 18,376 1.73 18,920 2.29 19,321 1.68 20,119 3.35 20,623 2.12 21,568 3.97 22,491 3.88 23,074 2.45 23,617 2.28 23,805 0.79

25.13 33.87 43.59 50.00 57.60 62.45 66.40 70.57 73.45 75.46 77.19 79.48 81.16 84.52 86.63 90.60 94.48 96.93 99.21 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,293.36 921.95 906.45 842.59 1,549.89 1,344.46 1,603.61 2,385.76 1,916.75 1,723.43 1,709.21 2,491.55 2,341.23 5,268.77 5,344.48 11,642.57 13,104.15 7,619.16 7,472.99 2,544.05 77,026.40

4,293.36 5.57 5.57 5,215.31 1.20 6.77 6,121.77 1.18 7.95 6,964.36 1.09 9.04 8,514.24 2.01 11.05 9,858.70 1.75 12.80 11,462.31 2.08 14.88 13,848.07 3.10 17.98 15,764.83 2.49 20.47 17,488.25 2.24 22.70 19,197.47 2.22 24.92 21,689.01 3.23 28.16 24,030.24 3.04 31.20 29,299.01 6.84 38.04 34,643.49 6.94 44.98 46,286.05 15.12 60.09 59,390.21 17.01 77.10 67,009.36 9.89 87.00 74,482.35 9.70 96.70 77,026.40 3.30 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 0 0 0 0 0 0 1 0 0 0 0 1 0 1 1 2 2 1 0 1 10

0 0 0 0 0 0 1 1 1 1 1 2 2 3 4 6 8 9 9 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 10.00 10.00 0.00 10.00 0.00 10.00 0.00 10.00 0.00 10.00 10.00 20.00 0.00 20.00 10.00 30.00 10.00 40.00 20.00 60.00 20.00 80.00 10.00 90.00 0.00 90.00 10.00 100.00

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 2.00 0.00 0.00 0.00 0.00 121.74 0.00 11.63 19.69 125.93 342.77 121.63 0.00 440.14 1,185.53

0.00 0.00 0.00 0.00 0.00 0.00 2.00 2.00 2.00 2.00 2.00 123.74 123.74 135.37 155.06 280.99 623.76 745.39 745.39 1,185.53

0.00 0.00 0.00 0.00 0.00 0.00 0.17 0.00 0.00 0.00 0.00 10.27 0.00 0.98 1.66 10.62 28.91 10.26 0.00 37.13

0.00 0.00 0.00 0.00 0.00 0.00 0.17 0.17 0.17 0.17 0.17 10.44 10.44 11.42 13.08 23.70 52.61 62.87 62.87 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.12 0.00 0.00 0.00 0.00 4.89 0.00 0.22 0.37 1.08 2.62 1.60 0.00 17.30

0.00 0.00 0.00 0.00 0.00 0.00 0.02 0.01 0.01 0.01 0.01 0.57 0.51 0.46 0.45 0.61 1.05 1.11 1.00 1.54

1.54

Page 166 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 28

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/03/2011

Power and Heating

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. 43 4 9 12 9 18 29 34 21 14 11 17 18 21 17 56 79 40 156 134 742

43 5.80 47 0.54 56 1.21 68 1.62 77 1.21 95 2.43 124 3.91 158 4.58 179 2.83 193 1.89 204 1.48 221 2.29 239 2.43 260 2.83 277 2.29 333 7.55 412 10.65 452 5.39 608 21.02 742 18.06

5.80 6.33 7.55 9.16 10.38 12.80 16.71 21.29 24.12 26.01 27.49 29.78 32.21 35.04 37.33 44.88 55.53 60.92 81.94 100.00

447.49 0.57 4.39 9.43 7.25 15.11 64.37 45.53 42.96 24.13 16.74 78.26 66.47 142.44 305.38 668.54 1,215.23 1,010.75 2,803.61 1,366.73 8,335.36

447.49 448.06 452.44 461.87 469.12 484.23 548.60 594.13 637.09 661.22 677.96 756.22 822.68 965.12 1,270.50 1,939.04 3,154.27 4,165.02 6,968.63 8,335.36

5.37 5.37 0.01 5.38 0.05 5.43 0.11 5.54 0.09 5.63 0.18 5.81 0.77 6.58 0.55 7.13 0.52 7.64 0.29 7.93 0.20 8.13 0.94 9.07 0.80 9.87 1.71 11.58 3.66 15.24 8.02 23.26 14.58 37.84 12.13 49.97 33.64 83.60 16.40 100.00

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) 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

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 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 29

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/03/2011

Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotels, Entertainment, Sports 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 Shops, Private Buildings, Property of Public Bodies NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM.

108,395 115,434 171,666 113,753 132,299 71,165 55,172 40,116 21,709 11,372 8,787 9,799 6,454 7,554 4,565 6,321 4,513 1,828 1,937 496

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

893,335

108,395 223,829 395,495 509,248 641,547 712,712 767,884 808,000 829,709 841,081 849,868 859,667 866,121 873,675 878,240 884,561 889,074 890,902 892,839 893,335

12.13 12.92 19.22 12.73 14.81 7.97 6.18 4.49 2.43 1.27 0.98 1.10 0.72 0.85 0.51 0.71 0.51 0.20 0.22 0.06

12.13 25.06 44.27 57.01 71.81 79.78 85.96 90.45 92.88 94.15 95.13 96.23 96.95 97.80 98.31 99.02 99.52 99.73 99.94 100.0

46,700.88 16,478.26 56,896.18 60,344.81 109,709.95 85,795.22 89,670.79 89,252.34 66,899.67 42,797.37 38,161.64 49,583.14 38,765.37 52,515.65 39,982.10 73,892.31 62,730.28 26,661.57 38,536.02 118,918.68 1,204,292.24

46,700.88 63,179.14 120,075.33 180,420.14 290,130.09 375,925.31 465,596.10 554,848.44 621,748.11 664,545.48 702,707.13 752,290.26 791,055.63 843,571.28 883,553.38 957,445.70 1,020,175.98 1,046,837.55 1,085,373.56 1,204,292.24

3.88 3.88 1.37 5.25 4.72 9.97 5.01 14.98 9.11 24.09 7.12 31.22 7.45 38.66 7.41 46.07 5.56 51.63 3.55 55.18 3.17 58.35 4.12 62.47 3.22 65.69 4.36 70.05 3.32 73.37 6.14 79.50 5.21 84.71 2.21 86.93 3.20 90.13 9.87 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 19 13 15 8 7 6 5 5 3 4 2 2 1 1 2 9 1 1 5 0 109

19 32 47 55 62 68 73 78 81 85 87 89 90 91 93 102 103 104 109 109

17.43 17.43 11.93 29.36 13.76 43.12 7.34 50.46 6.42 56.88 5.50 62.39 4.59 66.97 4.59 71.56 2.75 74.31 3.67 77.98 1.83 79.82 1.83 81.65 0.92 82.57 0.92 83.49 1.83 85.32 8.26 93.58 0.92 94.50 0.92 95.41 4.59 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 689.05 561.60 929.58 266.58 669.34 632.68 220.46 402.92 24.88 2,317.68 1,353.63 133.74 85.00 50.88 620.51 1,382.68 88.49 1.75 26.54 0.00 10,457.99

689.05 6.59 1,250.65 5.37 2,180.22 8.89 2,446.80 2.55 3,116.14 6.40 3,748.82 6.05 3,969.28 2.11 4,372.20 3.85 4,397.08 0.24 6,714.76 22.16 8,068.40 12.94 8,202.13 1.28 8,287.13 0.81 8,338.02 0.49 8,958.53 5.93 10,341.21 13.22 10,429.70 0.85 10,431.45 0.02 10,457.99 0.25 10,457.99 0.00

6.59 11.96 20.85 23.40 29.80 35.85 37.95 41.81 42.05 64.21 77.15 78.43 79.24 79.73 85.66 98.88 99.73 99.75 100.00 100.00

1.48 3.41 1.63 0.44 0.61 0.74 0.25 0.45 0.04 5.42 3.55 0.27 0.22 0.10 1.55 1.87 0.14 0.01 0.07 0.00

1.48 1.98 1.82 1.36 1.07 1.00 0.85 0.79 0.71 1.01 1.15 1.09 1.05 0.99 1.01 1.08 1.02 1.00 0.96 0.87

0.87 Page 168 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/03/2011

Estate Plantation Risk

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 10 8 15 21 37 45 12 29 38 29 16 35 12 35 33 70 37 4 1 0 487

10 2.05 18 1.64 33 3.08 54 4.31 91 7.60 136 9.24 148 2.46 177 5.95 215 7.80 244 5.95 260 3.29 295 7.19 307 2.46 342 7.19 375 6.78 445 14.37 482 7.60 486 0.82 487 0.21 487 0.00

2.05 3.70 6.78 11.09 18.69 27.93 30.39 36.34 44.15 50.10 53.39 60.57 63.04 70.23 77.00 91.38 98.97 99.79 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 20.01 2.49 16.31 21.51 177.25 250.16 50.45 210.75 324.02 374.22 224.29 496.55 137.25 733.38 748.82 2,842.61 2,341.97 222.47 270.00 0.00 9,464.51

20.01 0.21 0.21 22.50 0.03 0.24 38.81 0.17 0.41 60.32 0.23 0.64 237.57 1.87 2.51 487.73 2.64 5.15 538.18 0.53 5.69 748.93 2.23 7.91 1,072.95 3.42 11.34 1,447.17 3.95 15.29 1,671.46 2.37 17.66 2,168.01 5.25 22.91 2,305.26 1.45 24.36 3,038.64 7.75 32.11 3,787.46 7.91 40.02 6,630.08 30.03 70.05 8,972.04 24.74 94.80 9,194.51 2.35 97.15 9,464.51 2.85 100.00 9,464.51 0.00 100.00

CLAIM FREQUENCY PERCENTAGE 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 169 of 204

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

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/03/2011

Estate Plantation Risk

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 31 13 18 25 15 30 16 33 46 31 35 68 43 67 22 36 115 110 51 11 816

31 3.80 44 1.59 62 2.21 87 3.06 102 1.84 132 3.68 148 1.96 181 4.04 227 5.64 258 3.80 293 4.29 361 8.33 404 5.27 471 8.21 493 2.70 529 4.41 644 14.09 754 13.48 805 6.25 816 1.35

3.80 5.39 7.60 10.66 12.50 16.18 18.14 22.18 27.82 31.62 35.91 44.24 49.51 57.72 60.42 64.83 78.92 92.40 98.65 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 265.18 1.69 3.39 -5.5 10.89 31.61 15.26 72.55 92.10 139.23 220.66 361.82 333.35 544.81 409.93 381.43 5,028.87 4,419.18 2,669.25 77.80 15,073.50

265.18 1.76 1.76 266.86 0.01 1.77 270.26 0.02 1.79 264.76 -0.04 1.76 275.65 0.07 1.83 307.26 0.21 2.04 322.52 0.10 2.14 395.07 0.48 2.62 487.17 0.61 3.23 626.40 0.92 4.16 847.05 1.46 5.62 1,208.87 2.40 8.02 1,542.22 2.21 10.23 2,087.03 3.61 13.85 2,496.96 2.72 16.57 2,878.39 2.53 19.10 7,907.26 33.36 52.46 12,326.45 29.32 81.78 14,995.70 17.71 99.48 15,073.50 0.52 100.00

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

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 7.50 0.00 0.00 0.00 7.50

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.50 100.0 7.50 0.00 7.50 0.00 7.50 0.00

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

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 0.15 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 0.00 0.00 0.00 0.00 0.09 0.06 0.05 0.05

0.05

Page 170 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 32

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/03/2011

Recreation Place

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3 23 12 7 6 1 2 15 1 8 1 1 1 28 3 34 7 7 10 7 177

3 1.69 26 12.99 38 6.78 45 3.95 51 3.39 52 0.56 54 1.13 69 8.47 70 0.56 78 4.52 79 0.56 80 0.56 81 0.56 109 15.82 112 1.69 146 19.21 153 3.95 160 3.95 170 5.65 177 3.95

1.69 14.69 21.47 25.42 28.81 29.38 30.51 38.98 39.55 44.07 44.63 45.20 45.76 61.58 63.28 82.49 86.44 90.40 96.05 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 0.84 98.06 19.62 2.93 5.62 1.09 2.73 77.75 9.96 75.41 12.22 12.22 18.06 585.88 40.26 821.81 305.96 983.89 294.85 22.91 3,392.05

0.84 0.02 0.02 98.90 2.89 2.92 118.52 0.58 3.49 121.44 0.09 3.58 127.06 0.17 3.75 128.15 0.03 3.78 130.88 0.08 3.86 208.63 2.29 6.15 218.58 0.29 6.44 293.99 2.22 8.67 306.21 0.36 9.03 318.43 0.36 9.39 336.49 0.53 9.92 922.37 17.27 27.19 962.62 1.19 28.38 1,784.44 24.23 52.61 2,090.40 9.02 61.63 3,074.29 29.01 90.63 3,369.14 8.69 99.32 3,392.05 0.68 100.00

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 171 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 40

BAND

DATA POSITION FROM

TOTAL

01/01/2010

15/12/2010

DATE

15/03/2011

PROCESSING

Non Estate Plantation Risk NUMBER OF POLICIES SUM INSURED Mid Points PERCENTAGE (In Million) f F From To BAND CUM.

383 199 233 16 23 13 14 17 16 10 5 15 5 24 16 31 34 10 7 0 1,071

383 35.76 582 18.58 815 21.76 831 1.49 854 2.15 867 1.21 881 1.31 898 1.59 914 1.49 924 0.93 929 0.47 944 1.40 949 0.47 973 2.24 989 1.49 1,020 2.89 1,054 3.17 1,064 0.93 1,071 0.65 1,071 0.00

35.76 54.34 76.10 77.59 79.74 80.95 82.26 83.85 85.34 86.27 86.74 88.14 88.61 90.85 92.34 95.24 98.41 99.35 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,639.07 112.81 112.44 13.97 37.12 28.62 38.25 46.80 63.19 52.11 31.06 97.76 30.12 341.67 238.19 899.53 1,505.47 533.47 153.60 0.00 6,975.25

2,639.07 37.83 37.83 2,751.88 1.62 39.45 2,864.32 1.61 41.06 2,878.29 0.20 41.26 2,915.41 0.53 41.80 2,944.03 0.41 42.21 2,982.28 0.55 42.76 3,029.08 0.67 43.43 3,092.27 0.91 44.33 3,144.38 0.75 45.08 3,175.44 0.45 45.52 3,273.19 1.40 46.93 3,303.31 0.43 47.36 3,644.98 4.90 52.26 3,883.18 3.41 55.67 4,782.71 12.90 68.57 6,288.18 21.58 90.15 6,821.65 7.65 97.80 6,975.25 2.20 100.00 6,975.25 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

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 172 of 204

RISK AND LOSS PROFILE 2010 GROUP BY PROVINCE

PT. REASURANSI INTERNASIONAL 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 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 01 - NANGROE ACEH DARUSSALAM

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,287 1,910 2,843 1,653 1,559 526 398 264 111 56 43 50 30 40 7 15 32 9 1 5 10,839

1,287 3,197 6,040 7,693 9,252 9,778 10,176 10,440 10,551 10,607 10,650 10,700 10,730 10,770 10,777 10,792 10,824 10,833 10,834 10,839

11.87 17.62 26.23 15.25 14.38 4.85 3.67 2.44 1.02 0.52 0.40 0.46 0.28 0.37 0.06 0.14 0.30 0.08 0.01 0.05

11.87 29.50 55.72 70.98 85.36 90.21 93.88 96.32 97.34 97.86 98.26 98.72 98.99 99.36 99.43 99.57 99.86 99.94 99.95 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 331.78 535.54 1,635.12 1,603.91 2,300.28 1,269.24 1,429.09 1,076.88 567.19 376.45 391.82 293.81 234.81 954.69 65.34 641.46 6,410.69 261.59 25.40 917.58 21,322.68

331.78 1.56 1.56 867.32 2.51 4.07 2,502.44 7.67 11.74 4,106.35 7.52 19.26 6,406.62 10.79 30.05 7,675.87 5.95 36.00 9,104.96 6.70 42.70 10,181.84 5.05 47.75 10,749.03 2.66 50.41 11,125.48 1.77 52.18 11,517.30 1.84 54.01 11,811.11 1.38 55.39 12,045.92 1.10 56.49 13,000.61 4.48 60.97 13,065.96 0.31 61.28 13,707.42 3.01 64.29 20,118.11 30.07 94.35 20,379.70 1.23 95.58 20,405.10 0.12 95.70 21,322.68 4.30 100.00

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

01/01/2010

15/12/2010

DATE

15/03/2011

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 173 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 02 - SUMATERA UTARA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 9,106 9,411 14,066 9,932 10,508 4,804 3,348 2,350 1,287 688 599 710 483 629 343 564 580 269 179 43 69,899

9,106 18,517 32,583 42,515 53,023 57,827 61,175 63,525 64,812 65,500 66,099 66,809 67,292 67,921 68,264 68,828 69,408 69,677 69,856 69,899

13.03 13.46 20.12 14.21 15.03 6.87 4.79 3.36 1.84 0.98 0.86 1.02 0.69 0.90 0.49 0.81 0.83 0.38 0.26 0.06

DATA POSITION FROM

13.03 26.49 46.61 60.82 75.86 82.73 87.52 90.88 92.72 93.71 94.56 95.58 96.27 97.17 97.66 98.47 99.30 99.68 99.94 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,576.93 1,648.98 4,234.18 5,064.68 8,859.23 6,218.13 6,528.92 5,807.79 4,632.19 3,268.60 3,055.18 4,029.38 3,442.65 5,928.47 3,857.08 8,556.37 13,157.75 7,357.73 8,478.95 1,298.37 109,001.57

3,576.93 3.28 3.28 5,225.91 1.51 4.79 9,460.09 3.88 8.68 14,524.77 4.65 13.33 23,384.01 8.13 21.45 29,602.14 5.70 27.16 36,131.05 5.99 33.15 41,938.85 5.33 38.48 46,571.03 4.25 42.73 49,839.63 3.00 45.72 52,894.81 2.80 48.53 56,924.19 3.70 52.22 60,366.84 3.16 55.38 66,295.32 5.44 60.82 70,152.40 3.54 64.36 78,708.77 7.85 72.21 91,866.52 12.07 84.28 99,224.25 6.75 91.03 107,703.21 7.78 98.81 109,001.57 1.19 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 1 0 1 1 1 1 1 2 0 0 0 0 0 3 1 1 0 0 13

0 0.00 0.00 0 0.00 0.00 1 7.69 7.69 1 0.00 7.69 2 7.69 15.38 3 7.69 23.08 4 7.69 30.77 5 7.69 38.46 6 7.69 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 11 23.08 84.62 12 7.69 92.31 13 7.69 100.00 13 0.00 100.00 13 0.00 100.00

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 25.00 0.00 7.56 4.90 504.22 267.33 19.08 3,976.11 0.00 0.00 0.00 0.00 0.00 257.18 7.50 121.63 0.00 0.00 5,190.52

0.00 0.00 0.00 0.00 25.00 0.48 25.00 0.00 32.56 0.15 37.46 0.09 541.68 9.71 809.02 5.15 828.10 0.37 4,804.21 76.60 4,804.21 0.00 4,804.21 0.00 4,804.21 0.00 4,804.21 0.00 4,804.21 0.00 5,061.39 4.95 5,068.89 0.14 5,190.52 2.34 5,190.52 0.00 5,190.52 0.00

0.00 0.00 0.00 0.00 0.48 0.59 0.48 0.00 0.63 0.09 0.72 0.08 10.44 7.72 15.59 4.60 15.95 0.41 92.56 121.65 92.56 0.00 92.56 0.00 92.56 0.00 92.56 0.00 92.56 0.00 97.51 3.01 97.66 0.06 100.00 1.65 100.00 0.00 100.00 0.00

0.00 0.00 0.26 0.17 0.14 0.13 1.50 1.93 1.78 9.64 9.08 8.44 7.96 7.25 6.85 6.43 5.52 5.23 4.82 4.76

4.76

Page 174 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 03 - SUMATERA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,241 4,783 7,965 5,360 4,918 1,964 1,433 939 541 273 219 264 240 254 195 187 110 43 20 13 32,962

3,241 8,024 15,989 21,349 26,267 28,231 29,664 30,603 31,144 31,417 31,636 31,900 32,140 32,394 32,589 32,776 32,886 32,929 32,949 32,962

9.83 14.51 24.16 16.26 14.92 5.96 4.35 2.85 1.64 0.83 0.66 0.80 0.73 0.77 0.59 0.57 0.33 0.13 0.06 0.04

DATA POSITION FROM

9.83 24.34 48.51 64.77 79.69 85.65 89.99 92.84 94.48 95.31 95.98 96.78 97.51 98.28 98.87 99.44 99.77 99.90 99.96 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 910.97 857.80 2,289.35 2,374.04 4,214.42 2,748.93 2,949.08 2,529.22 1,715.17 955.07 841.89 930.47 817.79 1,135.71 777.44 1,628.35 2,291.12 650.61 383.46 288.86 31,289.75

910.97 2.91 2.91 1,768.77 2.74 5.65 4,058.12 7.32 12.97 6,432.16 7.59 20.56 10,646.58 13.47 34.03 13,395.50 8.79 42.81 16,344.58 9.43 52.24 18,873.81 8.08 60.32 20,588.98 5.48 65.80 21,544.05 3.05 68.85 22,385.94 2.69 71.54 23,316.41 2.97 74.52 24,134.20 2.61 77.13 25,269.91 3.63 80.76 26,047.35 2.48 83.25 27,675.71 5.20 88.45 29,966.82 7.32 95.77 30,617.43 2.08 97.85 31,000.89 1.23 99.08 31,289.75 0.92 100.00

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

01/01/2010

15/12/2010

DATE

15/03/2011

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 175 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 04 - RIAU

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,724 4,433 7,185 5,021 5,392 2,141 1,340 972 547 270 198 231 150 220 105 185 235 157 104 35 32,645

3,724 8,157 15,342 20,363 25,755 27,896 29,236 30,208 30,755 31,025 31,223 31,454 31,604 31,824 31,929 32,114 32,349 32,506 32,610 32,645

DATA POSITION FROM

11.41 13.58 22.01 15.38 16.52 6.56 4.10 2.98 1.68 0.83 0.61 0.71 0.46 0.67 0.32 0.57 0.72 0.48 0.32 0.11

11.41 24.99 47.00 62.38 78.89 85.45 89.56 92.53 94.21 95.04 95.64 96.35 96.81 97.49 97.81 98.37 99.09 99.57 99.89 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,298.05 1,008.33 2,675.99 3,289.60 5,809.71 4,201.27 3,429.20 3,114.73 2,281.84 1,296.19 1,218.02 1,532.71 1,272.44 1,470.33 845.83 2,136.31 3,637.04 3,175.39 1,875.73 276.96 47,845.64

3,298.05 6.89 6.89 4,306.37 2.11 9.00 6,982.36 5.59 14.59 10,271.96 6.88 21.47 16,081.67 12.14 33.61 20,282.94 8.78 42.39 23,712.14 7.17 49.56 26,826.87 6.51 56.07 29,108.71 4.77 60.84 30,404.90 2.71 63.55 31,622.91 2.55 66.09 33,155.62 3.20 69.30 34,428.06 2.66 71.96 35,898.39 3.07 75.03 36,744.22 1.77 76.80 38,880.53 4.47 81.26 42,517.57 7.60 88.86 45,692.95 6.64 95.50 47,568.68 3.92 99.42 47,845.64 0.58 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 1 2 1 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 6

0 1 3 4 4 4 5 6 6 6 6 6 6 6 6 6 6 6 6 6

0.00 16.67 33.33 16.67 0.00 0.00 16.67 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 50.00 66.67 66.67 66.67 83.33 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 100.00 150.00 12.86 0.00 0.00 144.85 3.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 411.70

0.00 0.00 100.00 24.29 250.00 36.43 262.86 3.12 262.86 0.00 262.86 0.00 407.71 35.18 411.70 0.97 411.70 0.00 411.70 0.00 411.70 0.00 411.70 0.00 411.70 0.00 411.70 0.00 411.70 0.00 411.70 0.00 411.70 0.00 411.70 0.00 411.70 0.00 411.70 0.00

0.00 24.29 60.72 63.85 63.85 63.85 99.03 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 9.92 5.61 0.39 0.00 0.00 4.22 0.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 2.32 3.58 2.56 1.63 1.30 1.72 1.53 1.41 1.35 1.30 1.24 1.20 1.15 1.12 1.06 0.97 0.90 0.87 0.86

0.86

Page 176 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 05 - JAMBI

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,570 1,845 2,729 1,670 1,605 670 404 296 158 70 50 73 60 64 41 60 67 45 10 4 11,491

1,570 3,415 6,144 7,814 9,419 10,089 10,493 10,789 10,947 11,017 11,067 11,140 11,200 11,264 11,305 11,365 11,432 11,477 11,487 11,491

DATA POSITION FROM

13.66 16.06 23.75 14.53 13.97 5.83 3.52 2.58 1.37 0.61 0.44 0.64 0.52 0.56 0.36 0.52 0.58 0.39 0.09 0.03

13.66 29.72 53.47 68.00 81.97 87.80 91.31 93.89 95.27 95.88 96.31 96.95 97.47 98.02 98.38 98.90 99.49 99.88 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 545.78 447.74 1,221.47 1,271.17 1,778.90 1,176.46 1,059.82 901.88 598.20 413.27 283.45 412.21 369.23 589.79 393.34 1,027.00 1,107.28 620.92 205.24 312.66 14,735.82

545.78 3.70 3.70 993.52 3.04 6.74 2,214.99 8.29 15.03 3,486.16 8.63 23.66 5,265.06 12.07 35.73 6,441.52 7.98 43.71 7,501.34 7.19 50.91 8,403.22 6.12 57.03 9,001.42 4.06 61.09 9,414.69 2.80 63.89 9,698.14 1.92 65.81 10,110.35 2.80 68.61 10,479.58 2.51 71.12 11,069.37 4.00 75.12 11,462.71 2.67 77.79 12,489.71 6.97 84.76 13,597.00 7.51 92.27 14,217.91 4.21 96.49 14,423.16 1.39 97.88 14,735.82 2.12 100.00

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

01/01/2010

15/12/2010

DATE

15/03/2011

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 177 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 06 - SUMATERA SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,627 2,680 4,890 3,433 3,758 1,744 1,353 916 517 276 188 219 121 171 116 194 142 96 133 26 23,600

2,627 5,307 10,197 13,630 17,388 19,132 20,485 21,401 21,918 22,194 22,382 22,601 22,722 22,893 23,009 23,203 23,345 23,441 23,574 23,600

11.13 11.36 20.72 14.55 15.92 7.39 5.73 3.88 2.19 1.17 0.80 0.93 0.51 0.72 0.49 0.82 0.60 0.41 0.56 0.11

11.13 22.49 43.21 57.75 73.68 81.07 86.80 90.68 92.87 94.04 94.84 95.77 96.28 97.00 97.50 98.32 98.92 99.33 99.89 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,926.84 475.20 1,603.68 2,102.66 3,698.62 2,555.15 2,859.34 2,518.85 2,069.60 1,201.75 887.90 1,194.57 752.38 1,247.49 1,033.78 2,539.20 3,126.38 1,912.84 3,077.67 303.95 37,087.82

1,926.84 2,402.04 4,005.72 6,108.37 9,806.99 12,362.14 15,221.48 17,740.33 19,809.93 21,011.68 21,899.58 23,094.15 23,846.53 25,094.02 26,127.79 28,666.99 31,793.37 33,706.21 36,783.88 37,087.82

5.20 5.20 1.28 6.48 4.32 10.80 5.67 16.47 9.97 26.44 6.89 33.33 7.71 41.04 6.79 47.83 5.58 53.41 3.24 56.65 2.39 59.05 3.22 62.27 2.03 64.30 3.36 67.66 2.79 70.45 6.85 77.29 8.43 85.72 5.16 90.88 8.30 99.18 0.82 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 1 0 0 1 0 0 0 1 0 0 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 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 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 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 3.19 0.00 0.00 1.57 0.00 0.00 0.00 12.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.75

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.19 19.01 3.19 0.00 3.19 0.00 4.75 9.36 4.75 0.00 4.75 0.00 4.75 0.00 16.75 71.63 16.75 0.00 16.75 0.00 16.75 0.00 16.75 0.00 16.75 0.00 16.75 0.00 16.75 0.00 16.75 0.00

0.00 0.00 0.00 0.00 19.01 19.01 19.01 28.37 28.37 28.37 28.37 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.09 0.00 0.00 0.06 0.00 0.00 0.00 1.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.03 0.03 0.02 0.03 0.02 0.02 0.02 0.07 0.07 0.07 0.06 0.06 0.05 0.05 0.05 0.05

0.05

Page 178 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 07 - BENGKULU

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,193 1,432 2,037 1,263 1,176 422 294 139 75 42 25 24 20 24 15 35 15 21 10 4 8,266

1,193 2,625 4,662 5,925 7,101 7,523 7,817 7,956 8,031 8,073 8,098 8,122 8,142 8,166 8,181 8,216 8,231 8,252 8,262 8,266

DATA POSITION FROM

14.43 17.32 24.64 15.28 14.23 5.11 3.56 1.68 0.91 0.51 0.30 0.29 0.24 0.29 0.18 0.42 0.18 0.25 0.12 0.05

14.43 31.76 56.40 71.68 85.91 91.01 94.57 96.25 97.16 97.67 97.97 98.26 98.50 98.79 98.97 99.40 99.58 99.83 99.95 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 295.44 295.12 766.54 784.84 1,340.76 704.85 745.16 415.25 293.01 210.92 148.68 129.63 152.38 168.17 166.78 390.89 464.35 202.82 127.35 27.55 7,830.49

295.44 3.77 3.77 590.55 3.77 7.54 1,357.09 9.79 17.33 2,141.93 10.02 27.35 3,482.69 17.12 44.48 4,187.54 9.00 53.48 4,932.71 9.52 62.99 5,347.96 5.30 68.30 5,640.97 3.74 72.04 5,851.88 2.69 74.73 6,000.56 1.90 76.63 6,130.19 1.66 78.29 6,282.57 1.95 80.23 6,450.75 2.15 82.38 6,617.53 2.13 84.51 7,008.42 4.99 89.50 7,472.77 5.93 95.43 7,675.59 2.59 98.02 7,802.94 1.63 99.65 7,830.49 0.35 100.00

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

01/01/2010

15/12/2010

DATE

15/03/2011

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 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 08 - LAMPUNG

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,569 2,845 3,956 2,295 2,326 1,211 988 601 327 210 161 175 107 164 101 218 212 101 115 45 18,727

2,569 5,414 9,370 11,665 13,991 15,202 16,190 16,791 17,118 17,328 17,489 17,664 17,771 17,935 18,036 18,254 18,466 18,567 18,682 18,727

DATA POSITION FROM

13.72 15.19 21.12 12.26 12.42 6.47 5.28 3.21 1.75 1.12 0.86 0.93 0.57 0.88 0.54 1.16 1.13 0.54 0.61 0.24

13.72 28.91 50.03 62.29 74.71 81.18 86.45 89.66 91.41 92.53 93.39 94.32 94.90 95.77 96.31 97.47 98.61 99.15 99.76 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,201.60 497.78 1,367.52 1,294.92 2,213.03 1,643.38 1,819.36 1,424.85 1,222.42 1,033.08 893.30 967.60 718.73 1,498.93 1,934.93 2,781.48 4,067.27 1,980.03 1,350.40 564.31 30,474.93

1,201.60 3.94 3.94 1,699.38 1.63 5.58 3,066.90 4.49 10.06 4,361.82 4.25 14.31 6,574.85 7.26 21.57 8,218.23 5.39 26.97 10,037.60 5.97 32.94 11,462.45 4.68 37.61 12,684.87 4.01 41.62 13,717.96 3.39 45.01 14,611.25 2.93 47.95 15,578.85 3.18 51.12 16,297.58 2.36 53.48 17,796.52 4.92 58.40 19,731.45 6.35 64.75 22,512.92 9.13 73.87 26,580.20 13.35 87.22 28,560.23 6.50 93.72 29,910.63 4.43 98.15 30,474.93 1.85 100.00

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

0 0 0 0 2 2 2 2 2 2 2 4 4 5 6 7 7 7 7 7

0.00 0.00 0.00 0.00 28.57 0.00 0.00 0.00 0.00 0.00 0.00 28.57 0.00 14.29 14.29 14.29 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 28.57 28.57 28.57 28.57 28.57 28.57 28.57 57.14 57.14 71.43 85.71 100.00 100.00 100.00 100.00 100.00

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 230.33 0.00 0.00 0.00 0.00 0.00 0.00 129.82 0.00 11.63 300.00 91.85 0.00 0.00 0.00 0.00 763.64

0.00 0.00 0.00 0.00 230.33 230.33 230.33 230.33 230.33 230.33 230.33 360.16 360.16 371.79 671.79 763.64 763.64 763.64 763.64 763.64

0.00 0.00 0.00 0.00 30.16 0.00 0.00 0.00 0.00 0.00 0.00 17.00 0.00 1.52 39.29 12.03 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 30.16 30.16 30.16 30.16 30.16 30.16 30.16 47.16 47.16 48.69 87.97 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 10.41 0.00 0.00 0.00 0.00 0.00 0.00 13.42 0.00 0.78 15.50 3.30 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 3.50 2.80 2.29 2.01 1.82 1.68 1.58 2.31 2.21 2.09 3.40 3.39 2.87 2.67 2.55 2.51

2.51

Page 180 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 09 - DKI JAKARTA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

16,572 11,568 23,579 22,157 33,897 21,554 17,178 13,284 7,490 3,927 3,136 3,546 2,445 2,768 1,740 2,587 1,974 895 1,354 430 192,081

16,572 28,140 51,719 73,876 107,77 129,32 146,50 159,78 167,27 171,20 174,34 177,88 180,33 183,10 184,84 187,42 189,40 190,29 191,65 192,08

8.63 6.02 12.28 11.54 17.65 11.22 8.94 6.92 3.90 2.04 1.63 1.85 1.27 1.44 0.91 1.35 1.03 0.47 0.70 0.22

DATA POSITION FROM

8.63 14.65 26.93 38.46 56.11 67.33 76.27 83.19 87.09 89.13 90.76 92.61 93.88 95.32 96.23 97.58 98.61 99.07 99.78 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 15,947.38 -1,587.93 6,688.11 9,118.29 21,384.47 19,458.27 22,550.23 24,750.47 19,307.95 12,261.87 11,836.10 15,971.29 13,642.54 18,352.22 14,900.23 29,605.65 26,934.18 11,002.78 28,095.40 21,478.11 341,697.63

15,947.38 14,359.44 21,047.55 30,165.85 51,550.32 71,008.59 93,558.82 118,309.29 137,617.23 149,879.11 161,715.21 177,686.50 191,329.05 209,681.27 224,581.50 254,187.15 281,121.33 292,124.12 320,219.52 341,697.63

4.67 4.67 -0.46 4.20 1.96 6.16 2.67 8.83 6.26 15.09 5.69 20.78 6.60 27.38 7.24 34.62 5.65 40.27 3.59 43.86 3.46 47.33 4.67 52.00 3.99 55.99 5.37 61.36 4.36 65.73 8.66 74.39 7.88 82.27 3.22 85.49 8.22 93.71 6.29 100.00

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

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

14 6 5 0 1 3 2 0 2 1 0 0 0 0 0 4 2 0 5 0

236.26 158.27 183.82 0.00 29.39 42.44 59.12 0.00 23.80 5.20 0.00 0.00 0.00 0.00 0.00 1,060.32 216.61 0.00 26.54 0.00

14 20 25 25 26 29 31 31 33 34 34 34 34 34 34 38 40 40 45 45

31.11 31.11 13.33 44.44 11.11 55.56 0.00 55.56 2.22 57.78 6.67 64.44 4.44 68.89 0.00 68.89 4.44 73.33 2.22 75.56 0.00 75.56 0.00 75.56 0.00 75.56 0.00 75.56 0.00 75.56 8.89 84.44 4.44 88.89 0.00 88.89 11.11 100.00 0.00 100.00

2,041.77

236.26 11.57 394.53 7.75 578.35 9.00 578.35 0.00 607.74 1.44 650.18 2.08 709.30 2.90 709.30 0.00 733.10 1.17 738.30 0.25 738.30 0.00 738.30 0.00 738.30 0.00 738.30 0.00 738.30 0.00 1,798.61 51.93 2,015.23 10.61 2,015.23 0.00 2,041.77 1.30 2,041.77 0.00

11.57 19.32 28.33 28.33 29.77 31.84 34.74 34.74 35.91 36.16 36.16 36.16 36.16 36.16 36.16 88.09 98.70 98.70 100.00 100.00

1.48 -9.97 2.75 0.00 0.14 0.22 0.26 0.00 0.12 0.04 0.00 0.00 0.00 0.00 0.00 3.58 0.80 0.00 0.09 0.00

1.48 2.75 2.75 1.92 1.18 0.92 0.76 0.60 0.53 0.49 0.46 0.42 0.39 0.35 0.33 0.71 0.72 0.69 0.64 0.60

0.60

Page 181 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 10 - JAWA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 19,370 19,428 27,337 17,325 19,506 10,610 9,140 6,510 3,481 1,925 1,578 1,904 1,397 1,968 1,357 2,205 2,107 897 1,087 437 149,569

19,370 38,798 66,135 83,460 102,96 113,57 122,71 129,22 132,70 134,63 136,21 138,11 139,51 141,47 142,83 145,04 147,14 148,04 149,13 149,56

12.95 12.99 18.28 11.58 13.04 7.09 6.11 4.35 2.33 1.29 1.06 1.27 0.93 1.32 0.91 1.47 1.41 0.60 0.73 0.29

DATA POSITION FROM

12.95 25.94 44.22 55.80 68.84 75.94 82.05 86.40 88.73 90.01 91.07 92.34 93.28 94.59 95.50 96.97 98.38 98.98 99.71 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 11,521.79 2,865.55 7,574.29 8,275.72 14,506.92 12,088.64 13,001.25 13,214.04 9,828.15 7,444.66 6,722.80 9,748.20 8,219.25 14,373.82 12,033.81 28,854.48 32,794.55 13,885.35 18,678.08 28,649.02 274,280.37

11,521.79 4.20 4.20 14,387.34 1.04 5.25 21,961.63 2.76 8.01 30,237.36 3.02 11.02 44,744.28 5.29 16.31 56,832.91 4.41 20.72 69,834.16 4.74 25.46 83,048.20 4.82 30.28 92,876.35 3.58 33.86 100,321.01 2.71 36.58 107,043.81 2.45 39.03 116,792.01 3.55 42.58 125,011.26 3.00 45.58 139,385.08 5.24 50.82 151,418.89 4.39 55.21 180,273.37 10.52 65.73 213,067.91 11.96 77.68 226,953.27 5.06 82.74 245,631.35 6.81 89.55 274,280.37 10.45 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 10 2 1 5 3 1 0 1 1 0 3 0 1 1 2 1 6 2 2 1 43

10 23.26 23.26 12 4.65 27.91 13 2.33 30.23 18 11.63 41.86 21 6.98 48.84 22 2.33 51.16 22 0.00 51.16 23 2.33 53.49 24 2.33 55.81 24 0.00 55.81 27 6.98 62.79 27 0.00 62.79 28 2.33 65.12 29 2.33 67.44 31 4.65 72.09 32 2.33 74.42 38 13.95 88.37 40 4.65 93.02 42 4.65 97.67 43 2.33 100.00

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 210.98 157.68 0.99 167.38 279.74 577.34 0.00 88.76 100.00 0.00 1,389.72 0.00 85.00 50.88 616.04 5.00 375.90 6.99 146.20 93.67 4,352.26

210.98 4.85 368.66 3.62 369.65 0.02 537.02 3.85 816.76 6.43 1,394.10 13.27 1,394.10 0.00 1,482.86 2.04 1,582.86 2.30 1,582.86 0.00 2,972.57 31.93 2,972.57 0.00 3,057.57 1.95 3,108.46 1.17 3,724.50 14.15 3,729.50 0.11 4,105.40 8.64 4,112.40 0.16 4,258.60 3.36 4,352.26 2.15

4.85 8.47 8.49 12.34 18.77 32.03 32.03 34.07 36.37 36.37 68.30 68.30 70.25 71.42 85.58 85.69 94.33 94.49 97.85 100.00

LOSS RATIO PERCENTAGE BAND CUM 1.83 5.50 0.01 2.02 1.93 4.78 0.00 0.67 1.02 0.00 20.67 0.00 1.03 0.35 5.12 0.02 1.15 0.05 0.78 0.33

1.83 2.56 1.68 1.78 1.83 2.45 2.00 1.79 1.70 1.58 2.78 2.55 2.45 2.23 2.46 2.07 1.93 1.81 1.73 1.59

1.59

Page 182 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 11 - JAWA TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 14,573 12,736 14,149 7,311 7,898 4,604 4,014 3,020 1,622 1,029 797 911 581 982 516 818 674 241 299 105 76,880

14,573 27,309 41,458 48,769 56,667 61,271 65,285 68,305 69,927 70,956 71,753 72,664 73,245 74,227 74,743 75,561 76,235 76,476 76,775 76,880

18.96 16.57 18.40 9.51 10.27 5.99 5.22 3.93 2.11 1.34 1.04 1.18 0.76 1.28 0.67 1.06 0.88 0.31 0.39 0.14

DATA POSITION FROM

18.96 35.52 53.93 63.44 73.71 79.70 84.92 88.85 90.96 92.29 93.33 94.52 95.27 96.55 97.22 98.28 99.16 99.47 99.86 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,742.50 1,945.77 4,031.05 3,547.46 6,529.69 5,631.64 6,203.06 6,778.50 5,229.47 4,278.70 3,521.85 5,004.32 3,909.27 7,936.00 5,499.18 11,574.29 11,335.32 5,227.60 6,562.12 11,938.08 121,425.86

4,742.50 6,688.27 10,719.32 14,266.78 20,796.46 26,428.10 32,631.16 39,409.66 44,639.13 48,917.83 52,439.68 57,444.01 61,353.27 69,289.27 74,788.45 86,362.75 97,698.07 102,925.66 109,487.78 121,425.86

3.91 3.91 1.60 5.51 3.32 8.83 2.92 11.75 5.38 17.13 4.64 21.76 5.11 26.87 5.58 32.46 4.31 36.76 3.52 40.29 2.90 43.19 4.12 47.31 3.22 50.53 6.54 57.06 4.53 61.59 9.53 71.12 9.34 80.46 4.31 84.76 5.40 90.17 9.83 100.00

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

1 1 2 2 3 3 3 3 3 3 4 4 4 4 5 5 6 6 6 7

14.29 14.29 0.00 14.29 14.29 28.57 0.00 28.57 14.29 42.86 0.00 42.86 0.00 42.86 0.00 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 14.29 71.43 0.00 71.43 14.29 85.71 0.00 85.71 0.00 85.71 14.29 100.00

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 219.69 0.00 35.00 0.00 16.50 0.00 0.00 0.00 0.00 0.00 4.51 0.00 0.00 0.00 19.69 0.00 701.48 0.00 0.00 440.14 1,437.01

219.69 15.29 219.69 0.00 254.69 2.44 254.69 0.00 271.19 1.15 271.19 0.00 271.19 0.00 271.19 0.00 271.19 0.00 271.19 0.00 275.70 0.31 275.70 0.00 275.70 0.00 275.70 0.00 295.39 1.37 295.39 0.00 996.87 48.82 996.87 0.00 996.87 0.00 1,437.01 30.63

15.29 15.29 17.72 17.72 18.87 18.87 18.87 18.87 18.87 18.87 19.19 19.19 19.19 19.19 20.56 20.56 69.37 69.37 69.37 100.00

4.63 0.00 0.87 0.00 0.25 0.00 0.00 0.00 0.00 0.00 0.13 0.00 0.00 0.00 0.36 0.00 6.19 0.00 0.00 3.69

4.63 3.28 2.38 1.79 1.30 1.03 0.83 0.69 0.61 0.55 0.53 0.48 0.45 0.40 0.39 0.34 1.02 0.97 0.91 1.18

1.18

Page 183 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 12 - DI YOGYAKARTA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,431 1,326 1,767 1,153 1,323 807 656 509 329 143 136 170 139 124 67 120 74 51 22 4 10,351

1,431 2,757 4,524 5,677 7,000 7,807 8,463 8,972 9,301 9,444 9,580 9,750 9,889 10,013 10,080 10,200 10,274 10,325 10,347 10,351

13.82 12.81 17.07 11.14 12.78 7.80 6.34 4.92 3.18 1.38 1.31 1.64 1.34 1.20 0.65 1.16 0.71 0.49 0.21 0.04

DATA POSITION FROM

13.82 26.64 43.71 54.84 67.63 75.42 81.76 86.68 89.86 91.24 92.55 94.19 95.54 96.73 97.38 98.54 99.26 99.75 99.96 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 548.42 192.43 438.20 498.40 925.25 820.33 877.40 971.61 748.82 551.85 504.05 903.66 575.07 818.44 503.59 1,691.62 737.73 505.75 427.98 13.09 13,253.67

548.42 4.14 4.14 740.85 1.45 5.59 1,179.05 3.31 8.90 1,677.45 3.76 12.66 2,602.70 6.98 19.64 3,423.02 6.19 25.83 4,300.42 6.62 32.45 5,272.03 7.33 39.78 6,020.85 5.65 45.43 6,572.70 4.16 49.59 7,076.75 3.80 53.39 7,980.41 6.82 60.21 8,555.48 4.34 64.55 9,373.92 6.18 70.73 9,877.50 3.80 74.53 11,569.12 12.76 87.29 12,306.85 5.57 92.86 12,812.60 3.82 96.67 13,240.58 3.23 99.90 13,253.67 0.10 100.00

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

01/01/2010

15/12/2010

DATE

15/03/2011

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 3.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.05

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.05 100.0 3.05 0.00 3.05 0.00 3.05 0.00 3.05 0.00 3.05 0.00 3.05 0.00 3.05 0.00 3.05 0.00 3.05 0.00 3.05 0.00

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.05 0.04 0.04 0.04 0.03 0.03 0.03 0.02 0.02 0.02 0.02

0.02

Page 184 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 13 - JAWA TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 13,709 12,925 17,565 11,217 13,909 8,649 7,171 5,582 3,273 1,808 1,423 1,725 1,129 1,545 956 1,546 1,245 656 619 206 106,858

13,709 26,634 44,199 55,416 69,325 77,974 85,145 90,727 94,000 95,808 97,231 98,956 100,085 101,630 102,586 104,132 105,377 106,033 106,652 106,858

12.83 12.10 16.44 10.50 13.02 8.09 6.71 5.22 3.06 1.69 1.33 1.61 1.06 1.45 0.89 1.45 1.17 0.61 0.58 0.19

12.83 24.92 41.36 51.86 64.88 72.97 79.68 84.90 87.97 89.66 90.99 92.61 93.66 95.11 96.00 97.45 98.61 99.23 99.81 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 9,046.82 1,750.01 4,798.93 5,037.26 9,902.48 8,686.31 9,514.66 10,595.59 8,849.07 6,314.60 5,664.90 8,921.01 7,049.16 11,575.42 9,796.82 21,076.12 20,548.61 10,903.93 6,846.61 135,233.54 312,111.87

9,046.82 2.90 2.90 10,796.83 0.56 3.46 15,595.76 1.54 5.00 20,633.02 1.61 6.61 30,535.50 3.17 9.78 39,221.81 2.78 12.57 48,736.47 3.05 15.62 59,332.06 3.39 19.01 68,181.13 2.84 21.85 74,495.74 2.02 23.87 80,160.64 1.82 25.68 89,081.65 2.86 28.54 96,130.81 2.26 30.80 107,706.23 3.71 34.51 117,503.06 3.14 37.65 138,579.17 6.75 44.40 159,127.79 6.58 50.98 170,031.71 3.49 54.48 176,878.32 2.19 56.67 312,111.87 43.33 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 1 0 1 1 2 0 0 0 0 1 0 0 1 3 3 0 0 0 15

2 2 3 3 4 5 7 7 7 7 7 8 8 8 9 12 15 15 15 15

13.33 0.00 6.67 0.00 6.67 6.67 13.33 0.00 0.00 0.00 0.00 6.67 0.00 0.00 6.67 20.00 20.00 0.00 0.00 0.00

13.33 13.33 20.00 20.00 26.67 33.33 46.67 46.67 46.67 46.67 46.67 53.33 53.33 53.33 60.00 80.00 100.00 100.00 100.00 100.00

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 73.63 0.00 100.78 0.00 1.88 8.00 12.87 0.00 0.00 0.00 0.00 121.74 0.00 0.00 320.51 133.42 725.06 0.00 0.00 0.00 1,497.89

73.63 4.92 73.63 0.00 174.41 6.73 174.41 0.00 176.29 0.13 184.29 0.53 197.16 0.86 197.16 0.00 197.16 0.00 197.16 0.00 197.16 0.00 318.90 8.13 318.90 0.00 318.90 0.00 639.41 21.40 772.83 8.91 1,497.89 48.41 1,497.89 0.00 1,497.89 0.00 1,497.89 0.00

4.92 4.92 11.64 11.64 11.77 12.30 13.16 13.16 13.16 13.16 13.16 21.29 21.29 21.29 42.69 51.59 100.00 100.00 100.00 100.00

0.81 0.00 2.10 0.00 0.02 0.09 0.14 0.00 0.00 0.00 0.00 1.36 0.00 0.00 3.27 0.63 3.53 0.00 0.00 0.00

0.81 0.68 1.12 0.85 0.58 0.47 0.40 0.33 0.29 0.26 0.25 0.36 0.33 0.30 0.54 0.56 0.94 0.88 0.85 0.48

0.48

Page 185 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 14 - KALIMANTAN BARAT

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,201 7,457 9,121 3,459 2,786 985 631 421 211 126 94 79 40 76 36 103 41 23 35 5 30,930

5,201 12,658 21,779 25,238 28,024 29,009 29,640 30,061 30,272 30,398 30,492 30,571 30,611 30,687 30,723 30,826 30,867 30,890 30,925 30,930

16.82 24.11 29.49 11.18 9.01 3.18 2.04 1.36 0.68 0.41 0.30 0.26 0.13 0.25 0.12 0.33 0.13 0.07 0.11 0.02

16.82 40.92 70.41 81.60 90.60 93.79 95.83 97.19 97.87 98.28 98.58 98.84 98.97 99.21 99.33 99.66 99.80 99.87 99.98 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,621.42 3,665.17 8,481.77 5,664.69 6,910.18 3,323.28 2,858.06 2,318.49 1,354.69 761.07 756.81 584.95 383.38 767.13 621.44 1,685.44 810.24 355.37 730.42 246.53 44,900.54

2,621.42 5.84 5.84 6,286.59 8.16 14.00 14,768.36 18.89 32.89 20,433.05 12.62 45.51 27,343.23 15.39 60.90 30,666.51 7.40 68.30 33,524.58 6.37 74.66 35,843.06 5.16 79.83 37,197.76 3.02 82.84 37,958.83 1.70 84.54 38,715.64 1.69 86.23 39,300.59 1.30 87.53 39,683.98 0.85 88.38 40,451.11 1.71 90.09 41,072.55 1.38 91.47 42,757.99 3.75 95.23 43,568.23 1.80 97.03 43,923.60 0.79 97.82 44,654.01 1.63 99.45 44,900.54 0.55 100.00

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

0 0.00 0.00 3 75.00 75.00 3 0.00 75.00 4 25.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00 4 0.00 100.00

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 112.49 0.00 86.19 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 0.00 198.68

0.00 0.00 112.49 56.62 112.49 0.00 198.68 43.38 198.68 0.00 198.68 0.00 198.68 0.00 198.68 0.00 198.68 0.00 198.68 0.00 198.68 0.00 198.68 0.00 198.68 0.00 198.68 0.00 198.68 0.00 198.68 0.00 198.68 0.00 198.68 0.00 198.68 0.00 198.68 0.00

0.00 56.62 56.62 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 3.07 0.00 1.52 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 1.79 0.76 0.97 0.73 0.65 0.59 0.55 0.53 0.52 0.51 0.51 0.50 0.49 0.48 0.46 0.46 0.45 0.44 0.44

0.44

Page 186 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 15 - KALIMANTAN TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,604 1,274 1,509 776 829 380 238 221 115 49 37 30 22 43 28 35 39 27 27 6 7,289

1,604 2,878 4,387 5,163 5,992 6,372 6,610 6,831 6,946 6,995 7,032 7,062 7,084 7,127 7,155 7,190 7,229 7,256 7,283 7,289

22.01 17.48 20.70 10.65 11.37 5.21 3.27 3.03 1.58 0.67 0.51 0.41 0.30 0.59 0.38 0.48 0.54 0.37 0.37 0.08

22.01 39.48 60.19 70.83 82.21 87.42 90.68 93.72 95.29 95.97 96.47 96.89 97.19 97.78 98.16 98.64 99.18 99.55 99.92 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,605.61 327.90 767.29 663.04 1,135.81 887.53 724.11 940.74 733.13 270.77 191.84 263.54 182.77 323.47 219.57 606.29 568.53 366.53 330.75 129.41 12,238.64

2,605.61 21.29 21.29 2,933.51 2.68 23.97 3,700.80 6.27 30.24 4,363.84 5.42 35.66 5,499.65 9.28 44.94 6,387.18 7.25 52.19 7,111.29 5.92 58.11 8,052.03 7.69 65.79 8,785.16 5.99 71.78 9,055.93 2.21 73.99 9,247.77 1.57 75.56 9,511.32 2.15 77.72 9,694.08 1.49 79.21 10,017.55 2.64 81.85 10,237.13 1.79 83.65 10,843.42 4.95 88.60 11,411.95 4.65 93.25 11,778.48 2.99 96.24 12,109.23 2.70 98.94 12,238.64 1.06 100.00

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

01/01/2010

15/12/2010

DATE

15/03/2011

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 187 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 16 - KALIMANTAN SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,125 2,373 3,073 1,571 1,558 858 488 367 211 125 85 102 66 110 67 99 66 34 28 30 13,436

2,125 4,498 7,571 9,142 10,700 11,558 12,046 12,413 12,624 12,749 12,834 12,936 13,002 13,112 13,179 13,278 13,344 13,378 13,406 13,436

15.82 17.66 22.87 11.69 11.60 6.39 3.63 2.73 1.57 0.93 0.63 0.76 0.49 0.82 0.50 0.74 0.49 0.25 0.21 0.22

15.82 33.48 56.35 68.04 79.64 86.02 89.65 92.39 93.96 94.89 95.52 96.28 96.77 97.59 98.09 98.82 99.32 99.57 99.78 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,130.54 472.04 1,019.68 878.32 1,519.87 1,323.71 1,232.39 1,184.59 812.37 675.32 588.39 553.89 513.24 899.65 762.76 1,248.26 1,255.56 755.75 817.40 392.51 18,036.24

1,130.54 1,602.59 2,622.27 3,500.59 5,020.46 6,344.17 7,576.56 8,761.15 9,573.52 10,248.84 10,837.22 11,391.11 11,904.35 12,804.00 13,566.76 14,815.02 16,070.58 16,826.33 17,643.73 18,036.24

6.27 6.27 2.62 8.89 5.65 14.54 4.87 19.41 8.43 27.84 7.34 35.17 6.83 42.01 6.57 48.58 4.50 53.08 3.74 56.82 3.26 60.09 3.07 63.16 2.85 66.00 4.99 70.99 4.23 75.22 6.92 82.14 6.96 89.10 4.19 93.29 4.53 97.82 2.18 100.00

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

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 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

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 144.29 0.00 0.00 0.00 5.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 149.91

0.00 0.00 0.00 0.00 144.29 96.25 144.29 0.00 144.29 0.00 144.29 0.00 149.91 3.75 149.91 0.00 149.91 0.00 149.91 0.00 149.91 0.00 149.91 0.00 149.91 0.00 149.91 0.00 149.91 0.00 149.91 0.00 149.91 0.00 149.91 0.00 149.91 0.00 149.91 0.00

0.00 0.00 96.25 96.25 96.25 96.25 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 14.15 0.00 0.00 0.00 0.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 5.50 4.12 2.87 2.27 1.98 1.71 1.57 1.46 1.38 1.32 1.26 1.17 1.10 1.01 0.93 0.89 0.85 0.83

0.83

Page 188 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 17 - KALIMANTAN TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,676 2,932 4,474 2,857 3,458 1,833 1,304 1,062 507 273 200 217 177 175 96 178 131 86 118 58 22,812

2,676 5,608 10,082 12,939 16,397 18,230 19,534 20,596 21,103 21,376 21,576 21,793 21,970 22,145 22,241 22,419 22,550 22,636 22,754 22,812

11.73 12.85 19.61 12.52 15.16 8.04 5.72 4.66 2.22 1.20 0.88 0.95 0.78 0.77 0.42 0.78 0.57 0.38 0.52 0.25

11.73 24.58 44.20 56.72 71.88 79.91 85.63 90.29 92.51 93.71 94.58 95.53 96.31 97.08 97.50 98.28 98.85 99.23 99.75 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,447.96 682.55 1,782.75 1,850.66 3,936.31 3,256.47 3,703.76 3,648.82 2,316.46 1,431.95 1,268.01 1,820.13 1,306.53 1,769.02 1,083.18 2,178.65 2,472.93 1,216.07 2,885.19 12,980.94 54,038.36

2,447.96 4.53 4.53 3,130.51 1.26 5.79 4,913.25 3.30 9.09 6,763.92 3.42 12.52 10,700.22 7.28 19.80 13,956.69 6.03 25.83 17,660.45 6.85 32.68 21,309.27 6.75 39.43 23,625.73 4.29 43.72 25,057.69 2.65 46.37 26,325.70 2.35 48.72 28,145.83 3.37 52.08 29,452.36 2.42 54.50 31,221.38 3.27 57.78 32,304.56 2.00 59.78 34,483.22 4.03 63.81 36,956.15 4.58 68.39 38,172.22 2.25 70.64 41,057.41 5.34 75.98 54,038.36 24.02 100.00

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

01/01/2010

15/12/2010

DATE

15/03/2011

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 189 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 18 - SULAWESI UTARA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 953 1,139 2,177 1,638 1,683 885 676 547 321 162 112 122 62 117 57 77 47 16 14 1 10,806

953 2,092 4,269 5,907 7,590 8,475 9,151 9,698 10,019 10,181 10,293 10,415 10,477 10,594 10,651 10,728 10,775 10,791 10,805 10,806

8.82 10.54 20.15 15.16 15.57 8.19 6.26 5.06 2.97 1.50 1.04 1.13 0.57 1.08 0.53 0.71 0.43 0.15 0.13 0.01

DATA POSITION FROM

8.82 19.36 39.51 54.66 70.24 78.43 84.68 89.75 92.72 94.22 95.25 96.38 96.96 98.04 98.57 99.28 99.71 99.86 99.99 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 458.58 218.26 670.06 780.36 1,383.04 1,351.52 1,490.08 1,733.01 1,348.97 879.32 744.76 818.03 514.99 1,361.37 625.90 1,209.56 1,153.23 241.35 203.93 50.86 17,237.16

458.58 2.66 2.66 676.84 1.27 3.93 1,346.90 3.89 7.81 2,127.26 4.53 12.34 3,510.29 8.02 20.36 4,861.81 7.84 28.21 6,351.89 8.64 36.85 8,084.90 10.05 46.90 9,433.87 7.83 54.73 10,313.19 5.10 59.83 11,057.95 4.32 64.15 11,875.97 4.75 68.90 12,390.96 2.99 71.89 13,752.33 7.90 79.78 14,378.22 3.63 83.41 15,587.78 7.02 90.43 16,741.01 6.69 97.12 16,982.37 1.40 98.52 17,186.29 1.18 99.70 17,237.16 0.30 100.00

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

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 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 33.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33.16

0.00 0.00 33.16 100.0 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00 33.16 0.00

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

0.00 15.19 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 4.90 2.46 1.56 0.94 0.68 0.52 0.41 0.35 0.32 0.30 0.28 0.27 0.24 0.23 0.21 0.20 0.20 0.19 0.19

0.19

Page 190 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 19 - SULAWESI TENGAH

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,054 1,074 1,423 937 934 480 371 278 147 87 48 65 48 45 18 25 22 11 3 1 7,071

1,054 2,128 3,551 4,488 5,422 5,902 6,273 6,551 6,698 6,785 6,833 6,898 6,946 6,991 7,009 7,034 7,056 7,067 7,070 7,071

14.91 15.19 20.12 13.25 13.21 6.79 5.25 3.93 2.08 1.23 0.68 0.92 0.68 0.64 0.25 0.35 0.31 0.16 0.04 0.01

DATA POSITION FROM

14.91 30.09 50.22 63.47 76.68 83.47 88.71 92.65 94.72 95.96 96.63 97.55 98.23 98.87 99.12 99.48 99.79 99.94 99.99 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 197.62 258.34 643.28 780.43 1,316.60 1,176.12 1,288.16 1,311.70 941.72 727.59 474.94 658.90 453.52 280.79 292.86 537.15 466.90 182.26 204.48 0.07 12,193.43

197.62 1.62 1.62 455.96 2.12 3.74 1,099.24 5.28 9.02 1,879.67 6.40 15.42 3,196.27 10.80 26.21 4,372.39 9.65 35.86 5,660.55 10.56 46.42 6,972.25 10.76 57.18 7,913.97 7.72 64.90 8,641.56 5.97 70.87 9,116.50 3.90 74.77 9,775.40 5.40 80.17 10,228.92 3.72 83.89 10,509.71 2.30 86.19 10,802.57 2.40 88.59 11,339.72 4.41 93.00 11,806.62 3.83 96.83 11,988.87 1.49 98.32 12,193.35 1.68 100.00 12,193.43 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

01/01/2010

15/12/2010

DATE

15/03/2011

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 191 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 20 - SULAWESI SELATAN

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,115 4,001 5,911 3,512 3,704 1,883 1,122 964 523 272 230 241 158 211 92 178 141 64 65 12 26,399

3,115 7,116 13,027 16,539 20,243 22,126 23,248 24,212 24,735 25,007 25,237 25,478 25,636 25,847 25,939 26,117 26,258 26,322 26,387 26,399

11.80 15.16 22.39 13.30 14.03 7.13 4.25 3.65 1.98 1.03 0.87 0.91 0.60 0.80 0.35 0.67 0.53 0.24 0.25 0.05

11.80 26.96 49.35 62.65 76.68 83.81 88.06 91.72 93.70 94.73 95.60 96.51 97.11 97.91 98.26 98.93 99.47 99.71 99.95 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,067.76 638.68 1,787.33 2,239.87 3,832.13 2,971.19 2,371.15 3,041.64 2,023.16 1,153.17 1,152.68 1,655.07 1,220.45 2,083.35 1,203.74 3,442.22 1,938.05 1,180.81 1,205.81 2,071.16 38,279.43

1,067.76 2.79 2.79 1,706.44 1.67 4.46 3,493.77 4.67 9.13 5,733.65 5.85 14.98 9,565.78 10.01 24.99 12,536.98 7.76 32.75 14,908.12 6.19 38.95 17,949.76 7.95 46.89 19,972.92 5.29 52.18 21,126.09 3.01 55.19 22,278.77 3.01 58.20 23,933.84 4.32 62.52 25,154.29 3.19 65.71 27,237.63 5.44 71.15 28,441.37 3.14 74.30 31,883.59 8.99 83.29 33,821.64 5.06 88.35 35,002.45 3.08 91.44 36,208.27 3.15 94.59 38,279.43 5.41 100.00

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

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 124.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 124.50

0.00 0.00 0.00 0.00 124.50 100.0 124.50 0.00 124.50 0.00 124.50 0.00 124.50 0.00 124.50 0.00 124.50 0.00 124.50 0.00 124.50 0.00 124.50 0.00 124.50 0.00 124.50 0.00 124.50 0.00 124.50 0.00 124.50 0.00 124.50 0.00 124.50 0.00 124.50 0.00

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

0.00 0.00 6.97 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 0.00 0.00 0.00 0.00

0.00 0.00 3.56 2.17 1.30 0.99 0.84 0.69 0.62 0.59 0.56 0.52 0.49 0.46 0.44 0.39 0.37 0.36 0.34 0.33

0.33

Page 192 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 21 - SULAWESI TENGGARA

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 526 495 733 497 545 325 175 154 64 37 34 31 13 26 8 8 11 3 2 0 3,687

526 1,021 1,754 2,251 2,796 3,121 3,296 3,450 3,514 3,551 3,585 3,616 3,629 3,655 3,663 3,671 3,682 3,685 3,687 3,687

14.27 13.43 19.88 13.48 14.78 8.81 4.75 4.18 1.74 1.00 0.92 0.84 0.35 0.71 0.22 0.22 0.30 0.08 0.05 0.00

14.27 27.69 47.57 61.05 75.83 84.65 89.40 93.57 95.31 96.31 97.23 98.07 98.43 99.13 99.35 99.57 99.86 99.95 100.00 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 259.39 90.01 228.23 314.54 628.10 654.92 489.65 605.29 296.39 173.32 187.61 237.12 170.55 309.61 128.26 126.64 227.23 54.91 19.18 0.00 5,200.96

259.39 4.99 4.99 349.41 1.73 6.72 577.63 4.39 11.11 892.17 6.05 17.15 1,520.27 12.08 29.23 2,175.20 12.59 41.82 2,664.85 9.41 51.24 3,270.13 11.64 62.88 3,566.53 5.70 68.57 3,739.85 3.33 71.91 3,927.45 3.61 75.51 4,164.57 4.56 80.07 4,335.12 3.28 83.35 4,644.74 5.95 89.31 4,773.00 2.47 91.77 4,899.63 2.43 94.21 5,126.87 4.37 98.58 5,181.78 1.06 99.63 5,200.96 0.37 100.00 5,200.96 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

01/01/2010

15/12/2010

DATE

15/03/2011

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 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 22 - BALI

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,946 2,354 3,465 2,310 2,962 1,876 1,776 1,541 1,091 657 461 587 341 370 278 343 258 93 126 42 23,877

DATA POSITION FROM

2,946 12.34 5,300 9.86 8,765 14.51 11,075 9.67 14,037 12.41 15,913 7.86 17,689 7.44 19,230 6.45 20,321 4.57 20,978 2.75 21,439 1.93 22,026 2.46 22,367 1.43 22,737 1.55 23,015 1.16 23,358 1.44 23,616 1.08 23,709 0.39 23,835 0.53 23,877 0.18

12.34 22.20 36.71 46.38 58.79 66.65 74.08 80.54 85.11 87.86 89.79 92.25 93.68 95.23 96.39 97.83 98.91 99.30 99.82 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,608.91 382.95 1,028.77 1,147.82 2,439.69 2,336.08 2,844.32 3,674.42 3,461.67 2,470.27 2,177.75 3,220.21 2,167.21 2,881.73 2,706.34 4,540.02 3,346.48 1,480.11 2,163.20 2,653.74 48,731.70

1,608.91 1,991.86 3,020.63 4,168.46 6,608.15 8,944.23 11,788.55 15,462.97 18,924.64 21,394.92 23,572.66 26,792.88 28,960.08 31,841.81 34,548.15 39,088.17 42,434.65 43,914.76 46,077.96 48,731.70

3.30 3.30 0.79 4.09 2.11 6.20 2.36 8.55 5.01 13.56 4.79 18.35 5.84 24.19 7.54 31.73 7.10 38.83 5.07 43.90 4.47 48.37 6.61 54.98 4.45 59.43 5.91 65.34 5.55 70.89 9.32 80.21 6.87 87.08 3.04 90.12 4.44 94.55 5.45 100.00

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

2 50.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 2 0.00 50.00 3 25.00 75.00 3 0.00 75.00 3 0.00 75.00 3 0.00 75.00 3 0.00 75.00 3 0.00 75.00 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

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 246.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.75 0.00 0.00 258.04

246.86 95.67 246.86 0.00 246.86 0.00 246.86 0.00 246.86 0.00 246.86 0.00 246.86 0.00 246.86 0.00 246.86 0.00 256.29 3.66 256.29 0.00 256.29 0.00 256.29 0.00 256.29 0.00 256.29 0.00 256.29 0.00 256.29 0.00 258.04 0.68 258.04 0.00 258.04 0.00

95.67 95.67 95.67 95.67 95.67 95.67 95.67 95.67 95.67 99.32 99.32 99.32 99.32 99.32 99.32 99.32 99.32 100.00 100.00 100.00

15.34 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.12 0.00 0.00

15.34 12.39 8.17 5.92 3.74 2.76 2.09 1.60 1.30 1.20 1.09 0.96 0.88 0.80 0.74 0.66 0.60 0.59 0.56 0.53

0.53

Page 194 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 23 - NUSA TENGGARA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,041 1,232 1,600 755 857 392 270 241 114 89 56 75 41 44 22 46 34 12 16 5 6,942

1,041 2,273 3,873 4,628 5,485 5,877 6,147 6,388 6,502 6,591 6,647 6,722 6,763 6,807 6,829 6,875 6,909 6,921 6,937 6,942

15.00 17.75 23.05 10.88 12.35 5.65 3.89 3.47 1.64 1.28 0.81 1.08 0.59 0.63 0.32 0.66 0.49 0.17 0.23 0.07

15.00 32.74 55.79 66.67 79.01 84.66 88.55 92.02 93.66 94.94 95.75 96.83 97.42 98.06 98.37 99.03 99.52 99.70 99.93 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 183.42 224.70 614.44 586.31 874.96 705.47 640.37 649.21 502.17 450.78 295.93 443.61 341.62 405.02 294.20 614.37 411.53 175.10 264.07 352.25 9,029.51

183.42 408.12 1,022.56 1,608.87 2,483.83 3,189.30 3,829.66 4,478.87 4,981.04 5,431.82 5,727.75 6,171.36 6,512.98 6,918.00 7,212.19 7,826.56 8,238.09 8,413.19 8,677.26 9,029.51

2.03 2.03 2.49 4.52 6.80 11.32 6.49 17.82 9.69 27.51 7.81 35.32 7.09 42.41 7.19 49.60 5.56 55.16 4.99 60.16 3.28 63.43 4.91 68.35 3.78 72.13 4.49 76.62 3.26 79.87 6.80 86.68 4.56 91.24 1.94 93.17 2.92 96.10 3.90 100.00

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

01/01/2010

15/12/2010

DATE

15/03/2011

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 195 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 24 - NUSA TENGGARA TIMUR

BAND

SUM INSURED Mid Points (In Million) From To

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 551 763 1,123 639 673 404 336 263 141 69 48 36 30 35 11 17 8 5 2 0 5,154

551 1,314 2,437 3,076 3,749 4,153 4,489 4,752 4,893 4,962 5,010 5,046 5,076 5,111 5,122 5,139 5,147 5,152 5,154 5,154

10.69 14.80 21.79 12.40 13.06 7.84 6.52 5.10 2.74 1.34 0.93 0.70 0.58 0.68 0.21 0.33 0.16 0.10 0.04 0.00

10.69 25.49 47.28 59.68 72.74 80.58 87.10 92.20 94.94 96.27 97.21 97.90 98.49 99.17 99.38 99.71 99.86 99.96 100.00 100.00

DATA POSITION FROM PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 215.47 159.52 412.38 444.89 896.41 838.87 964.10 1,033.65 763.08 362.27 341.16 331.77 286.67 453.29 111.19 220.58 155.70 27.94 29.07 0.00 8,048.00

215.47 374.99 787.36 1,232.25 2,128.66 2,967.53 3,931.63 4,965.28 5,728.36 6,090.63 6,431.79 6,763.57 7,050.24 7,503.53 7,614.72 7,835.30 7,991.00 8,018.94 8,048.00 8,048.00

2.68 2.68 1.98 4.66 5.12 9.78 5.53 15.31 11.14 26.45 10.42 36.87 11.98 48.85 12.84 61.70 9.48 71.18 4.50 75.68 4.24 79.92 4.12 84.04 3.56 87.60 5.63 93.23 1.38 94.62 2.74 97.36 1.93 99.29 0.35 99.64 0.36 100.00 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

01/01/2010

15/12/2010

DATE

15/03/2011

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 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 25 - MALUKU

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 157 311 435 274 304 170 136 123 56 37 32 19 19 15 9 26 10 7 5 2

2,147

157 468 903 1,177 1,481 1,651 1,787 1,910 1,966 2,003 2,035 2,054 2,073 2,088 2,097 2,123 2,133 2,140 2,145 2,147

DATA POSITION FROM

7.31 14.49 20.26 12.76 14.16 7.92 6.33 5.73 2.61 1.72 1.49 0.88 0.88 0.70 0.42 1.21 0.47 0.33 0.23 0.09

7.31 21.80 42.06 54.82 68.98 76.90 83.23 88.96 91.57 93.29 94.78 95.67 96.55 97.25 97.67 98.88 99.35 99.67 99.91 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 96.46 61.25 181.45 211.84 402.61 336.52 406.90 433.55 327.31 212.64 231.17 171.62 209.84 191.54 92.27 427.10 192.38 99.11 95.72 203.93 4,585.20

96.46 157.71 339.15 550.99 953.60 1,290.12 1,697.02 2,130.58 2,457.88 2,670.52 2,901.69 3,073.31 3,283.15 3,474.69 3,566.96 3,994.06 4,186.44 4,285.55 4,381.27 4,585.20

2.10 2.10 1.34 3.44 3.96 7.40 4.62 12.02 8.78 20.80 7.34 28.14 8.87 37.01 9.46 46.47 7.14 53.60 4.64 58.24 5.04 63.28 3.74 67.03 4.58 71.60 4.18 75.78 2.01 77.79 9.31 87.11 4.20 91.30 2.16 93.46 2.09 95.55 4.45 100.00

CLAIM FREQUENCY PERCENTAGE 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

01/01/2010

15/12/2010

DATE

15/03/2011

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 197 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 26 - IRIAN JAYA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 505 566 1,047 806 1,073 606 449 342 219 106 79 78 71 76 32 34 25 8 14 1 6,137

505 8.23 1,071 9.22 2,118 17.06 2,924 13.13 3,997 17.48 4,603 9.87 5,052 7.32 5,394 5.57 5,613 3.57 5,719 1.73 5,798 1.29 5,876 1.27 5,947 1.16 6,023 1.24 6,055 0.52 6,089 0.55 6,114 0.41 6,122 0.13 6,136 0.23 6,137 0.02

DATA POSITION FROM

8.23 17.45 34.51 47.65 65.13 75.00 82.32 87.89 91.46 93.19 94.48 95.75 96.90 98.14 98.66 99.22 99.63 99.76 99.98 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 251.02 154.25 418.12 557.30 1,416.52 1,337.97 1,401.05 1,649.96 1,570.66 887.85 641.24 913.96 950.14 1,075.32 759.52 518.13 508.11 313.99 217.48 0.00 15,542.59

251.02 1.62 1.62 405.27 0.99 2.61 823.39 2.69 5.30 1,380.69 3.59 8.88 2,797.21 9.11 18.00 4,135.17 8.61 26.61 5,536.22 9.01 35.62 7,186.18 10.62 46.24 8,756.84 10.11 56.34 9,644.69 5.71 62.05 10,285.93 4.13 66.18 11,199.90 5.88 72.06 12,150.04 6.11 78.17 13,225.36 6.92 85.09 13,984.88 4.89 89.98 14,503.01 3.33 93.31 15,011.12 3.27 96.58 15,325.11 2.02 98.60 15,542.59 1.40 100.00 15,542.59 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

01/01/2010

15/12/2010

DATE

15/03/2011

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 198 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 27 - MALUKU UTARA

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 94 124 219 139 183 98 87 86 51 32 11 14 14 12 2 3 2 4 2 0 1,177

94 218 437 576 759 857 944 1,030 1,081 1,113 1,124 1,138 1,152 1,164 1,166 1,169 1,171 1,175 1,177 1,177

7.99 10.54 18.61 11.81 15.55 8.33 7.39 7.31 4.33 2.72 0.93 1.19 1.19 1.02 0.17 0.25 0.17 0.34 0.17 0.00

DATA POSITION FROM

7.99 18.52 37.13 48.94 64.49 72.81 80.20 87.51 91.84 94.56 95.50 96.69 97.88 98.90 99.07 99.32 99.49 99.83 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 50.12 29.18 101.80 105.46 268.70 233.55 315.36 534.34 420.90 289.32 183.57 146.66 134.95 148.20 15.61 142.83 40.92 80.87 38.02 0.00 3,280.36

50.12 1.53 1.53 79.30 0.89 2.42 181.10 3.10 5.52 286.55 3.21 8.74 555.26 8.19 16.93 788.81 7.12 24.05 1,104.17 9.61 33.66 1,638.51 16.29 49.95 2,059.41 12.83 62.78 2,348.73 8.82 71.60 2,532.30 5.60 77.20 2,678.96 4.47 81.67 2,813.91 4.11 85.78 2,962.11 4.52 90.30 2,977.72 0.48 90.77 3,120.55 4.35 95.13 3,161.47 1.25 96.38 3,242.34 2.47 98.84 3,280.36 1.16 100.00 3,280.36 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

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 0.00 0.00 376.97 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 0.00 0.00 376.97

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 376.97 100.0 376.97 0.00 376.97 0.00 376.97 0.00 376.97 0.00 376.97 0.00 376.97 0.00 376.97 0.00 376.97 0.00 376.97 0.00 376.97 0.00 376.97 0.00 376.97 0.00 376.97 0.00 376.97 0.00 376.97 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 100.00 140.29 100.00 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 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

0.00 0.00 0.00 0.00 67.89 47.79 34.14 23.01 18.30 16.05 14.89 14.07 13.40 12.73 12.66 12.08 11.92 11.63 11.49 11.49

11.49

Page 199 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 28 - IRIAN JAYA BARAT

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 94 225 425 257 309 146 119 82 73 41 31 44 15 14 9 19 4 4 2 0 1,913

94 319 744 1,001 1,310 1,456 1,575 1,657 1,730 1,771 1,802 1,846 1,861 1,875 1,884 1,903 1,907 1,911 1,913 1,913

4.91 11.76 22.22 13.43 16.15 7.63 6.22 4.29 3.82 2.14 1.62 2.30 0.78 0.73 0.47 0.99 0.21 0.21 0.10 0.00

DATA POSITION FROM

4.91 16.68 38.89 52.33 68.48 76.11 82.33 86.62 90.43 92.58 94.20 96.50 97.28 98.01 98.48 99.48 99.69 99.90 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 22.51 40.64 144.00 141.48 319.63 306.82 354.34 340.45 403.49 315.08 241.72 656.22 129.31 169.29 146.35 429.29 66.33 69.10 71.42 0.00 4,367.49

22.51 0.52 0.52 63.15 0.93 1.45 207.15 3.30 4.74 348.63 3.24 7.98 668.26 7.32 15.30 975.08 7.03 22.33 1,329.42 8.11 30.44 1,669.87 7.80 38.23 2,073.37 9.24 47.47 2,388.45 7.21 54.69 2,630.17 5.53 60.22 3,286.39 15.03 75.25 3,415.70 2.96 78.21 3,584.99 3.88 82.08 3,731.35 3.35 85.43 4,160.63 9.83 95.26 4,226.97 1.52 96.78 4,296.07 1.58 98.36 4,367.49 1.64 100.00 4,367.49 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

01/01/2010

15/12/2010

DATE

15/03/2011

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 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 29 - BANTEN

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 4,125 3,968 7,065 5,322 6,266 3,313 2,585 2,082 1,107 601 552 690 475 712 534 706 702 309 386 142 41,642

4,125 9.91 8,093 9.53 15,158 16.97 20,480 12.78 26,746 15.05 30,059 7.96 32,644 6.21 34,726 5.00 35,833 2.66 36,434 1.44 36,986 1.33 37,676 1.66 38,151 1.14 38,863 1.71 39,397 1.28 40,103 1.70 40,805 1.69 41,114 0.74 41,500 0.93 41,642 0.34

DATA POSITION FROM

9.91 19.43 36.40 49.18 64.23 72.18 78.39 83.39 86.05 87.49 88.82 90.48 91.62 93.33 94.61 96.30 97.99 98.73 99.66 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,105.73 837.39 1,876.62 2,045.74 3,912.16 3,451.38 3,527.08 3,886.78 3,292.71 2,340.04 2,534.33 3,845.06 3,195.90 5,594.63 5,904.07 9,271.02 11,205.85 5,119.97 6,721.14 28,598.29 113,265.92

6,105.73 5.39 5.39 6,943.12 0.74 6.13 8,819.75 1.66 7.79 10,865.49 1.81 9.59 14,777.65 3.45 13.05 18,229.02 3.05 16.09 21,756.11 3.11 19.21 25,642.89 3.43 22.64 28,935.60 2.91 25.55 31,275.64 2.07 27.61 33,809.98 2.24 29.85 37,655.04 3.39 33.24 40,850.94 2.82 36.07 46,445.57 4.94 41.01 52,349.65 5.21 46.22 61,620.67 8.19 54.40 72,826.51 9.89 64.30 77,946.49 4.52 68.82 84,667.62 5.93 74.75 113,265.92 25.25 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 2 1 0 0 0 1 0 0 0 0 1 1 1 2 4 0 0 0 15

2 2 4 5 5 5 5 6 6 6 6 6 7 8 9 11 15 15 15 15

13.33 0.00 13.33 6.67 0.00 0.00 0.00 6.67 0.00 0.00 0.00 0.00 6.67 6.67 6.67 13.33 26.67 0.00 0.00 0.00

13.33 13.33 26.67 33.33 33.33 33.33 33.33 40.00 40.00 40.00 40.00 40.00 46.67 53.33 60.00 73.33 100.00 100.00 100.00 100.00

01/01/2010

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 66.48 0.00 165.20 0.15 0.00 0.00 0.00 41.27 0.00 0.00 0.00 0.00 4.52 4.52 2.86 75.52 3,189.64 0.00 0.00 0.00 3,550.16

66.48 1.87 66.48 0.00 231.68 4.65 231.83 0.00 231.83 0.00 231.83 0.00 231.83 0.00 273.10 1.16 273.10 0.00 273.10 0.00 273.10 0.00 273.10 0.00 277.62 0.13 282.13 0.13 284.99 0.08 360.52 2.13 3,550.16 89.85 3,550.16 0.00 3,550.16 0.00 3,550.16 0.00

1.87 1.87 6.53 6.53 6.53 6.53 6.53 7.69 7.69 7.69 7.69 7.69 7.82 7.95 8.03 10.15 100.00 100.00 100.00 100.00

1.09 0.00 8.80 0.01 0.00 0.00 0.00 1.06 0.00 0.00 0.00 0.00 0.14 0.08 0.05 0.81 28.46 0.00 0.00 0.00

1.09 0.96 2.63 2.13 1.57 1.27 1.07 1.07 0.94 0.87 0.81 0.73 0.68 0.61 0.54 0.59 4.87 4.55 4.19 3.13

3.13

Page 201 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 30 - BANGKA BELITUNG

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 226 258 372 262 319 157 133 85 58 30 20 28 12 17 23 9 14 7 7 0 2,037

226 484 856 1,118 1,437 1,594 1,727 1,812 1,870 1,900 1,920 1,948 1,960 1,977 2,000 2,009 2,023 2,030 2,037 2,037

11.09 12.67 18.26 12.86 15.66 7.71 6.53 4.17 2.85 1.47 0.98 1.37 0.59 0.83 1.13 0.44 0.69 0.34 0.34 0.00

DATA POSITION FROM

11.09 23.76 42.02 54.88 70.54 78.25 84.78 88.95 91.80 93.27 94.26 95.63 96.22 97.05 98.18 98.63 99.31 99.66 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 96.20 36.39 133.94 154.75 296.47 245.96 347.75 285.99 193.32 146.84 120.42 217.77 118.37 165.43 175.63 66.94 207.81 58.64 107.94 0.00 3,176.57

96.20 3.03 3.03 132.59 1.15 4.17 266.53 4.22 8.39 421.28 4.87 13.26 717.75 9.33 22.60 963.72 7.74 30.34 1,311.46 10.95 41.29 1,597.45 9.00 50.29 1,790.78 6.09 56.37 1,937.62 4.62 61.00 2,058.04 3.79 64.79 2,275.81 6.86 71.64 2,394.17 3.73 75.37 2,559.60 5.21 80.58 2,735.24 5.53 86.11 2,802.18 2.11 88.21 3,009.99 6.54 94.76 3,068.63 1.85 96.60 3,176.57 3.40 100.00 3,176.57 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

01/01/2010

15/12/2010

DATE

15/03/2011

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 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 31 - GORONTALO

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 191 260 425 329 336 177 106 85 53 31 27 23 16 13 5 8 7 2 0 0 2,094

191 451 876 1,205 1,541 1,718 1,824 1,909 1,962 1,993 2,020 2,043 2,059 2,072 2,077 2,085 2,092 2,094 2,094 2,094

9.12 12.42 20.30 15.71 16.05 8.45 5.06 4.06 2.53 1.48 1.29 1.10 0.76 0.62 0.24 0.38 0.33 0.10 0.00 0.00

DATA POSITION FROM

9.12 21.54 41.83 57.55 73.59 82.04 87.11 91.17 93.70 95.18 96.47 97.56 98.33 98.95 99.19 99.57 99.90 100.00 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 101.96 37.08 138.95 179.81 261.39 285.68 281.81 295.38 291.87 172.28 213.33 229.36 193.23 125.22 79.45 221.73 175.87 12.60 0.00 0.00 3,297.00

101.96 139.04 277.98 457.79 719.19 1,004.87 1,286.68 1,582.06 1,873.93 2,046.20 2,259.53 2,488.89 2,682.12 2,807.34 2,886.79 3,108.53 3,284.40 3,297.00 3,297.00 3,297.00

3.09 3.09 1.12 4.22 4.21 8.43 5.45 13.89 7.93 21.81 8.66 30.48 8.55 39.03 8.96 47.98 8.85 56.84 5.23 62.06 6.47 68.53 6.96 75.49 5.86 81.35 3.80 85.15 2.41 87.56 6.73 94.28 5.33 99.62 0.38 100.00 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

01/01/2010

15/12/2010

DATE

15/03/2011

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 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

PROVINCE

: 32 - KEPULAUAN RIAU

BAND

SUM INSURED Mid Points (In Million) From To

PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,188 1,559 2,997 2,051 2,441 1,106 654 515 276 169 123 139 88 120 67 123 128 37 83 30 13,894

1,188 2,747 5,744 7,795 10,236 11,342 11,996 12,511 12,787 12,956 13,079 13,218 13,306 13,426 13,493 13,616 13,744 13,781 13,864 13,894

8.55 11.22 21.57 14.76 17.57 7.96 4.71 3.71 1.99 1.22 0.89 1.00 0.63 0.86 0.48 0.89 0.92 0.27 0.60 0.22

DATA POSITION FROM

8.55 19.77 41.34 56.10 73.67 81.63 86.34 90.05 92.03 93.25 94.13 95.13 95.77 96.63 97.11 98.00 98.92 99.19 99.78 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,225.18 215.10 800.46 1,176.30 2,542.25 1,794.74 1,406.98 1,503.08 952.92 774.51 683.19 848.84 711.74 953.62 803.34 1,498.21 2,157.01 667.17 1,178.83 603.61 22,497.08

1,225.18 5.45 5.45 1,440.29 0.96 6.40 2,240.74 3.56 9.96 3,417.04 5.23 15.19 5,959.29 11.30 26.49 7,754.02 7.98 34.47 9,161.01 6.25 40.72 10,664.09 6.68 47.40 11,617.01 4.24 51.64 12,391.52 3.44 55.08 13,074.71 3.04 58.12 13,923.55 3.77 61.89 14,635.29 3.16 65.05 15,588.91 4.24 69.29 16,392.25 3.57 72.86 17,890.46 6.66 79.52 20,047.47 9.59 89.11 20,714.64 2.97 92.08 21,893.47 5.24 97.32 22,497.08 2.68 100.00

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

01/01/2010

15/12/2010

DATE

15/03/2011

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 0.00 206.40 0.00 0.00 0.00 206.40

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 9.57 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.03 1.00 0.94 0.92

0.92

Page 204 of 204

GRAFIK

PT. REASURANSI INTERNASIONAL 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 2007-2010

1.100.000

1.050.000

1.000.000

950.000

900.000 850.000 800.000 750.000 700.000

Number of policy

650.000 600.000

UY 2007 UY 2008

550.000

UY 2009 UY 2010

500.000 450.000 400.000 350.000 300.000 250.000 200.000 150.000 100.000 50.000 0 20

Occupation code

1 # 10

Growth Of Premium From 2007-2010

1.300.000.00

1.200.000.00

1.100.000.00

1.000.000.00 UY 2007

Premium ( in million Rp)

900.000.00

UY 2008 UY 2009

800.000.00

UY 2010

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 2007-2010

5.000

4.500

4.000

3.500

UY 2007 UY 2008 UY 2009 UY 2010

Number of Claim

3.000

2.500

2.000

1.500

1.000

500

Occupation Code

3 # 10

Growth Of Claim From 2007-2010

1.400.000.00

1.200.000.00

1.000.000.00

UY 2007 UY 2008

Claim Incurred ( in million

rupiah )

UY 2009 UY 2010

800.000.00

600.000.00

400.000.00

200.000.00

0.00 20

Occupation Code

4 # 10

Growth of Loss Ratio From 2007-2010

4,000

3,500

3,000

% Ratio

2,500

2,000 UY 2007 UY 2008 UY 2009 UY 2010

1,500

1,000

,500

,0 20

Occupation Code

5 # 10

Growth Of Policy From 2007-2010

225.000

200.000

175.000

150.000

UY 2007

Number of policy

UY 2008 125.000

UY 2009 UY 2010

100.000 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 2007-2010

800.000.00

700.000.00

Premium

( in million Rp)

600.000.00

500.000.00 UY 2007 UY 2008

400.000.00

UY 2009 UY 2010

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 2007-2010

2.500

2.000

UY 2007

Number of Claim

1.500

UY 2008 UY 2009 UY 2010

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 2007-2010

1.200.000.00

1.000.000.00

Claim Incurred ( in million rupiah )

UY 2007 800.000.00

UY 2008 UY 2009 UY 2010

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 2007-2010

,700

,600

UY 2007 UY 2008 UY 2009

,500

UY 2010

% Ratio

,400

,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

Province Code

10 # 10

RISK AND LOSS PROFILE FOR OCCUPATION CODE :

261 2521 2601 2976 29371

PT. REASURANSI INTERNASIONAL 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

: 261

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2010

DATE

15/06/2011

Furniture Manufacture, Cabinet Makers, Wooden Boat Builders, Bamboo, Rattan and Wooden Carvings and Handicrafts

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. 494 374 485 316 402 208 248 253 218 125 101 165 95 155 104 168 130 61 43 7 4,152

494 868 1,353 1,669 2,071 2,279 2,527 2,780 2,998 3,123 3,224 3,389 3,484 3,639 3,743 3,911 4,041 4,102 4,145 4,152

11.90 9.01 11.68 7.61 9.68 5.01 5.97 6.09 5.25 3.01 2.43 3.97 2.29 3.73 2.50 4.05 3.13 1.47 1.04 0.17

11.90 20.91 32.59 40.20 49.88 54.89 60.86 66.96 72.21 75.22 77.65 81.62 83.91 87.64 90.15 94.20 97.33 98.80 99.83 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,108.03 230.26 550.60 540.90 1,056.29 845.97 1,222.38 1,709.50 1,674.63 1,186.52 1,245.85 2,125.81 1,504.23 3,000.78 2,694.82 5,407.38 4,785.88 1,612.51 753.47 98.87 33,354.67

1,108.03 3.32 3.32 1,338.29 0.69 4.01 1,888.89 1.65 5.66 2,429.79 1.62 7.28 3,486.09 3.17 10.45 4,332.06 2.54 12.99 5,554.44 3.66 16.65 7,263.94 5.13 21.78 8,938.57 5.02 26.80 10,125.09 3.56 30.36 11,370.93 3.74 34.09 13,496.74 6.37 40.46 15,000.97 4.51 44.97 18,001.75 9.00 53.97 20,696.56 8.08 62.05 26,103.94 16.21 78.26 30,889.82 14.35 92.61 32,502.33 4.83 97.44 33,255.80 2.26 99.70 33,354.67 0.30 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 7 1 4 2 0 4 1 5 2 4 3 3 5 3 2 15 16 1 4 4 86

7 8 12 14 14 18 19 24 26 30 33 36 41 44 46 61 77 78 82 86

8.14 8.14 1.16 9.30 4.65 13.95 2.33 16.28 0.00 16.28 4.65 20.93 1.16 22.09 5.81 27.91 2.33 30.23 4.65 34.88 3.49 38.37 3.49 41.86 5.81 47.67 3.49 51.16 2.33 53.49 17.44 70.93 18.60 89.53 1.16 90.70 4.65 95.35 4.65 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 199.70 15.46 435.15 439.89 0.00 2,181.44 185.78 2,621.35 210.89 275.82 40.29 1,690.60 1,888.19 77.21 984.61 17,296.10 5,467.30 122.82 2,724.08 411.26 37,267.91

199.70 215.16 650.31 1,090.19 1,090.19 3,271.63 3,457.41 6,078.76 6,289.65 6,565.47 6,605.75 8,296.35 10,184.54 10,261.75 11,246.35 28,542.45 34,009.75 34,132.57 36,856.65 37,267.91

0.54 0.54 0.04 0.58 1.17 1.74 1.18 2.93 0.00 2.93 5.85 8.78 0.50 9.28 7.03 16.31 0.57 16.88 0.74 17.62 0.11 17.73 4.54 22.26 5.07 27.33 0.21 27.54 2.64 30.18 46.4 76.59 14.6 91.26 0.33 91.59 7.31 98.90 1.10 100.00

18.02 6.71 79.03 81.32 0.00 257.86 15.20 153.34 12.59 23.25 3.23 79.53 125.53 2.57 36.54 319.86 114.24 7.62 361.54 415.95

18.02 16.08 34.43 44.87 31.27 75.52 62.25 83.68 70.37 64.84 58.09 61.47 67.89 57.00 54.34 109.34 110.10 105.02 110.83 111.73

111.73

Page 1 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 261

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2010

DATE

15/06/2011

Furniture Manufacture, Cabinet Makers, Wooden Boat Builders, Bamboo, Rattan and Wooden Carvings and Handicrafts

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. 569 360 483 331 384 268 225 269 205 161 149 144 88 193 120 173 186 94 48 20 4,470

569 929 1,412 1,743 2,127 2,395 2,620 2,889 3,094 3,255 3,404 3,548 3,636 3,829 3,949 4,122 4,308 4,402 4,450 4,470

12.73 8.05 10.81 7.40 8.59 6.00 5.03 6.02 4.59 3.60 3.33 3.22 1.97 4.32 2.68 3.87 4.16 2.10 1.07 0.45

12.73 20.78 31.59 38.99 47.58 53.58 58.61 64.63 69.22 72.82 76.15 79.37 81.34 85.66 88.34 92.21 96.38 98.48 99.55 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,576.59 275.19 544.51 622.26 980.23 868.14 1,026.47 1,618.25 1,456.71 1,334.72 1,583.88 1,814.14 1,295.95 3,484.57 2,890.18 5,594.57 6,238.83 2,778.39 774.59 137.88 37,896.05

2,576.59 6.80 6.80 2,851.78 0.73 7.53 3,396.28 1.44 8.96 4,018.54 1.64 10.60 4,998.78 2.59 13.19 5,866.92 2.29 15.48 6,893.39 2.71 18.19 8,511.64 4.27 22.46 9,968.36 3.84 26.30 11,303.07 3.52 29.83 12,886.95 4.18 34.01 14,701.09 4.79 38.79 15,997.04 3.42 42.21 19,481.61 9.20 51.41 22,371.79 7.63 59.03 27,966.36 14.76 73.80 34,205.19 16.46 90.26 36,983.58 7.33 97.59 37,758.17 2.04 99.64 37,896.05 0.36 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 8 0 3 2 3 0 3 3 1 1 1 3 0 6 4 12 19 4 2 0 75

8 8 11 13 16 16 19 22 23 24 25 28 28 34 38 50 69 73 75 75

10.67 10.67 0.00 10.67 4.00 14.67 2.67 17.33 4.00 21.33 0.00 21.33 4.00 25.33 4.00 29.33 1.33 30.67 1.33 32.00 1.33 33.33 4.00 37.33 0.00 37.33 8.00 45.33 5.33 50.67 16.00 66.67 25.33 92.00 5.33 97.33 2.67 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 2,420.11 0.00 7,223.57 6.73 1,548.35 0.00 1,194.19 878.06 1,200.00 50.00 4.60 1,477.20 0.00 265.81 216.90 7,094.18 10,947.20 205.67 29.36 0.00 34,761.94

2,420.11 2,420.11 9,643.68 9,650.41 11,198.77 11,198.77 12,392.96 13,271.02 14,471.02 14,521.02 14,525.62 16,002.82 16,002.82 16,268.63 16,485.53 23,579.71 34,526.91 34,732.58 34,761.94 34,761.94

6.96 6.96 93.93 93.93 0.00 6.96 0.00 84.86 20.7 27.74 1326.63 283.95 0.02 27.76 1.08 240.15 4.45 32.22 157.96 224.03 0.00 32.22 0.00 190.88 3.44 35.65 116.34 179.78 2.53 38.18 54.26 155.92 3.45 41.63 82.38 145.17 0.14 41.77 3.75 128.47 0.01 41.79 0.29 112.72 4.25 46.04 81.43 108.85 0.00 46.04 0.00 100.04 0.76 46.80 7.63 83.51 0.62 47.42 7.50 73.69 20.4 67.83 126.80 84.31 31.4 99.32 175.47 100.94 0.59 99.92 7.40 93.91 0.08 100.00 3.79 92.06 0.00 100.00 0.00 91.73 91.73

Page 2 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 261

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2010

DATE

15/06/2011

Furniture Manufacture, Cabinet Makers, Wooden Boat Builders, Bamboo, Rattan and Wooden Carvings and Handicrafts

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. 565 335 481 327 411 296 286 364 244 156 119 205 103 227 168 237 325 104 79 9 5,041

565 900 1,381 1,708 2,119 2,415 2,701 3,065 3,309 3,465 3,584 3,789 3,892 4,119 4,287 4,524 4,849 4,953 5,032 5,041

11.21 6.65 9.54 6.49 8.15 5.87 5.67 7.22 4.84 3.09 2.36 4.07 2.04 4.50 3.33 4.70 6.45 2.06 1.57 0.18

11.21 17.85 27.40 33.88 42.04 47.91 53.58 60.80 65.64 68.74 71.10 75.16 77.21 81.71 85.04 89.74 96.19 98.25 99.82 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,607.46 235.91 677.01 556.34 1,005.69 939.67 1,220.15 1,846.47 1,510.66 1,135.23 1,349.06 2,041.19 1,488.91 3,349.75 3,101.91 5,823.21 7,446.87 2,175.15 1,327.61 106.50 40,944.75

3,607.46 8.81 8.81 3,843.38 0.58 9.39 4,520.39 1.65 11.04 5,076.73 1.36 12.40 6,082.42 2.46 14.86 7,022.09 2.29 17.15 8,242.24 2.98 20.13 10,088.70 4.51 24.64 11,599.36 3.69 28.33 12,734.59 2.77 31.10 14,083.65 3.29 34.40 16,124.84 4.99 39.38 17,613.75 3.64 43.02 20,963.50 8.18 51.20 24,065.41 7.58 58.78 29,888.62 14.22 73.00 37,335.49 18.19 91.19 39,510.64 5.31 96.50 40,838.25 3.24 99.74 40,944.75 0.26 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 13 1 2 1 2 1 3 0 0 0 0 0 1 2 0 3 1 7 1 1 39

13 14 16 17 19 20 23 23 23 23 23 23 24 26 26 29 30 37 38 39

33.33 33.33 2.56 35.90 5.13 41.03 2.56 43.59 5.13 48.72 2.56 51.28 7.69 58.97 0.00 58.97 0.00 58.97 0.00 58.97 0.00 58.97 0.00 58.97 2.56 61.54 5.13 66.67 0.00 66.67 7.69 74.36 2.56 76.92 17.95 94.87 2.56 97.44 2.56 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 736.64 5.43 81.02 112.38 489.87 227.34 38.45 0.00 0.00 0.00 0.00 0.00 14.35 109.53 0.00 705.91 142.53 447.20 44.84 0.99 3,156.47

736.64 742.07 823.09 935.47 1,425.34 1,652.68 1,691.13 1,691.13 1,691.13 1,691.13 1,691.13 1,691.13 1,705.48 1,815.01 1,815.01 2,520.92 2,663.44 3,110.64 3,155.48 3,156.47

23.3 23.34 0.17 23.51 2.57 26.08 3.56 29.64 15.5 45.16 7.20 52.36 1.22 53.58 0.00 53.58 0.00 53.58 0.00 53.58 0.00 53.58 0.00 53.58 0.45 54.03 3.47 57.50 0.00 57.50 22.3 79.87 4.52 84.38 14.1 98.55 1.42 99.97 0.03 100.00

20.42 2.30 11.97 20.20 48.71 24.19 3.15 0.00 0.00 0.00 0.00 0.00 0.96 3.27 0.00 12.12 1.91 20.56 3.38 0.93

20.42 19.31 18.21 18.43 23.43 23.54 20.52 16.76 14.58 13.28 12.01 10.49 9.68 8.66 7.54 8.43 7.13 7.87 7.73 7.71

7.71

Page 3 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 261

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/06/2011

Furniture Manufacture, Cabinet Makers, Wooden Boat Builders, Bamboo, Rattan and Wooden Carvings and Handicrafts

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. 445 303 398 255 374 257 238 259 181 146 102 165 113 182 139 161 236 60 60 3 4,077

445 748 1,146 1,401 1,775 2,032 2,270 2,529 2,710 2,856 2,958 3,123 3,236 3,418 3,557 3,718 3,954 4,014 4,074 4,077

10.91 7.43 9.76 6.25 9.17 6.30 5.84 6.35 4.44 3.58 2.50 4.05 2.77 4.46 3.41 3.95 5.79 1.47 1.47 0.07

10.91 18.35 28.11 34.36 43.54 49.84 55.68 62.03 66.47 70.05 72.55 76.60 79.37 83.84 87.25 91.19 96.98 98.45 99.93 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,519.54 202.35 471.52 479.04 936.70 972.70 936.15 1,455.01 1,308.60 1,383.66 1,030.99 2,003.78 1,371.16 3,144.38 2,857.92 5,020.52 8,631.45 1,494.86 1,961.20 74.85 37,256.36

1,519.54 4.08 4.08 1,721.89 0.54 4.62 2,193.41 1.27 5.89 2,672.45 1.29 7.17 3,609.15 2.51 9.69 4,581.85 2.61 12.30 5,517.99 2.51 14.81 6,973.00 3.91 18.72 8,281.61 3.51 22.23 9,665.27 3.71 25.94 10,696.26 2.77 28.71 12,700.04 5.38 34.09 14,071.19 3.68 37.77 17,215.57 8.44 46.21 20,073.48 7.67 53.88 25,094.00 13.48 67.35 33,725.45 23.17 90.52 35,220.31 4.01 94.54 37,181.51 5.26 99.80 37,256.36 0.20 100.00

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

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 100.0 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 0.00 100.00 100.00 100.00 100.00 100.00

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 0.00 0.00 0.00 0.00 0.00 0.00 80.00 0.00 0.00 0.00 0.00 80.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 80.00 80.00 80.00 80.00 80.00

0.00 0.00 0.00 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. 0.00 0.00 0.00 0.00

0.00 0.00 0.00 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 1.59 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.32 0.24 0.23 0.22 0.21

0.21

Page 4 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 2521

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2010

DATE

15/06/2011

Carton Manufacture

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. 26 8 12 16 12 18 20 16 15 11 10 16 15 16 7 18 13 10 8 3 270

26 34 46 62 74 92 112 128 143 154 164 180 195 211 218 236 249 259 267 270

9.63 2.96 4.44 5.93 4.44 6.67 7.41 5.93 5.56 4.07 3.70 5.93 5.56 5.93 2.59 6.67 4.81 3.70 2.96 1.11

9.63 12.59 17.04 22.96 27.41 34.07 41.48 47.41 52.96 57.04 60.74 66.67 72.22 78.15 80.74 87.41 92.22 95.93 98.89 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 108.47 2.00 5.10 16.27 14.34 53.08 48.21 29.46 46.78 63.11 38.46 141.22 97.05 174.05 79.35 290.70 219.73 149.12 101.85 50.00 1,728.35

108.47 6.28 6.28 110.47 0.12 6.39 115.58 0.30 6.69 131.85 0.94 7.63 146.19 0.83 8.46 199.28 3.07 11.53 247.49 2.79 14.32 276.95 1.70 16.02 323.73 2.71 18.73 386.84 3.65 22.38 425.30 2.23 24.61 566.52 8.17 32.78 663.57 5.62 38.39 837.62 10.07 48.46 916.97 4.59 53.05 1,207.66 16.82 69.87 1,427.39 12.71 82.59 1,576.51 8.63 91.21 1,678.36 5.89 97.11 1,728.35 2.89 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 1 0 0 0 3 0 0 0 0 0 4 3 0 0 11

0 0 0 0 0 0 1 1 1 1 4 4 4 4 4 4 8 11 11 11

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.09 9.09 0.00 9.09 0.00 9.09 0.00 9.09 27.27 36.36 0.00 36.36 0.00 36.36 0.00 36.36 0.00 36.36 0.00 36.36 36.36 72.73 27.27 100.00 0.00 100.00 0.00 100.00

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 16.67 0.00 0.00 0.00 253.46 0.00 0.00 0.00 0.00 0.00 1,320.07 79,805.77 0.00 0.00 81,395.98

0.00 0.00 0.00 0.00 0.00 0.00 16.67 16.67 16.67 16.67 270.13 270.13 270.13 270.13 270.13 270.13 1,590.20 81,395.98 81,395.98 81,395.98

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 0.02 0.02 34.58 6.74 0.00 0.02 0.00 6.02 0.00 0.02 0.00 5.15 0.00 0.02 0.00 4.31 0.31 0.33 659.01 63.51 0.00 0.33 0.00 47.68 0.00 0.33 0.00 40.71 0.00 0.33 0.00 32.25 0.00 0.33 0.00 29.46 0.00 0.33 0.00 22.37 1.62 1.95 600.78 111.41 98.0 100.00 53516.2 5163.0 0.00 100.00 0.00 4849.7 0.00 100.00 0.00 4709.4 4709.45

Page 5 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 2521

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2010

DATE

15/06/2011

Carton Manufacture

BAND

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

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 20 9 13 13 15 13 19 27 17 13 14 16 13 15 7 25 23 10 16 4 302

20 29 42 55 70 83 102 129 146 159 173 189 202 217 224 249 272 282 298 302

6.62 2.98 4.30 4.30 4.97 4.30 6.29 8.94 5.63 4.30 4.64 5.30 4.30 4.97 2.32 8.28 7.62 3.31 5.30 1.32

6.62 9.60 13.91 18.21 23.18 27.48 33.77 42.72 48.34 52.65 57.28 62.58 66.89 71.85 74.17 82.45 90.07 93.38 98.68 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 118.98 1.66 11.96 12.51 25.80 35.02 51.06 49.38 54.50 58.95 73.34 120.66 96.50 192.01 115.03 379.76 341.15 227.64 166.19 106.71 2,238.80

118.98 5.31 5.31 120.64 0.07 5.39 132.59 0.53 5.92 145.10 0.56 6.48 170.90 1.15 7.63 205.92 1.56 9.20 256.98 2.28 11.48 306.37 2.21 13.68 360.86 2.43 16.12 419.82 2.63 18.75 493.15 3.28 22.03 613.82 5.39 27.42 710.32 4.31 31.73 902.33 8.58 40.30 1,017.36 5.14 45.44 1,397.12 16.96 62.40 1,738.27 15.24 77.64 1,965.91 10.17 87.81 2,132.10 7.42 95.23 2,238.80 4.77 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 0 0 0 0 0 0 0 0 0 2 1 0 1 0 4 3 0 0 0 12

1 1 1 1 1 1 1 1 1 1 3 4 4 5 5 9 12 12 12 12

8.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.67 8.33 0.00 8.33 0.00 33.33 25.00 0.00 0.00 0.00

8.33 8.33 8.33 8.33 8.33 8.33 8.33 8.33 8.33 8.33 25.00 33.33 33.33 41.67 41.67 75.00 100.00 100.00 100.00 100.00

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 9.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5,244.00 215.87 0.00 7,254.09 0.00 13,381.77 221.44 0.00 0.00 0.00 26,326.53

9.35 9.35 9.35 9.35 9.35 9.35 9.35 9.35 9.35 9.35 5,253.35 5,469.22 5,469.22 12,723.32 12,723.32 26,105.09 26,326.53 26,326.53 26,326.53 26,326.53

0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19.9 0.82 0.00 27.5 0.00 50.8 0.84 0.00 0.00 0.00

0.04 7.86 7.86 0.04 0.00 7.75 0.04 0.00 7.05 0.04 0.00 6.45 0.04 0.00 5.47 0.04 0.00 4.54 0.04 0.00 3.64 0.04 0.00 3.05 0.04 0.00 2.59 0.04 0.00 2.23 19.95 7150.45 1065.2 20.77 178.90 891.02 20.77 0.00 769.96 48.33 3778.00 1410.0 48.33 0.00 1250.6 99.16 3523.76 1868.5 100.00 64.91 1514.5 100.00 0.00 1339.1 100.00 0.00 1234.7 100.00 0.00 1175.9 1175.92

Page 6 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 2521

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2010

DATE

15/06/2011

Carton Manufacture

BAND

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

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 33 8 14 21 16 12 18 18 19 15 13 20 8 23 27 32 65 28 23 14 427

33 41 55 76 92 104 122 140 159 174 187 207 215 238 265 297 362 390 413 427

7.73 1.87 3.28 4.92 3.75 2.81 4.22 4.22 4.45 3.51 3.04 4.68 1.87 5.39 6.32 7.49 15.22 6.56 5.39 3.28

7.73 9.60 12.88 17.80 21.55 24.36 28.57 32.79 37.24 40.75 43.79 48.48 50.35 55.74 62.06 69.56 84.78 91.33 96.72 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 197.01 0.94 4.13 16.95 28.46 16.85 34.12 41.83 61.81 70.92 73.41 152.55 63.92 185.09 279.54 129.53 698.00 358.02 1,517.49 77.87 4,008.47

197.01 4.91 4.91 197.96 0.02 4.94 202.09 0.10 5.04 219.05 0.42 5.46 247.51 0.71 6.17 264.36 0.42 6.60 298.48 0.85 7.45 340.32 1.04 8.49 402.12 1.54 10.03 473.04 1.77 11.80 546.45 1.83 13.63 698.99 3.81 17.44 762.91 1.59 19.03 948.01 4.62 23.65 1,227.55 6.97 30.62 1,357.08 3.23 33.86 2,055.08 17.41 51.27 2,413.10 8.93 60.20 3,930.59 37.86 98.06 4,008.47 1.94 100.00

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

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 100.0 100.00 0.00 100.00 0.00 100.00

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 3,000.00 0.00 0.00 3,000.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,000.00 3,000.00 3,000.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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. 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 837.95 124.32 0.00 76.32 0.00 74.84 74.84

Page 7 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 2521

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/06/2011

Carton Manufacture

BAND

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

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 24 8 12 9 9 12 12 20 11 9 13 15 10 22 19 23 49 28 22 3 330

24 32 44 53 62 74 86 106 117 126 139 154 164 186 205 228 277 305 327 330

7.27 2.42 3.64 2.73 2.73 3.64 3.64 6.06 3.33 2.73 3.94 4.55 3.03 6.67 5.76 6.97 14.85 8.48 6.67 0.91

7.27 9.70 13.33 16.06 18.79 22.42 26.06 32.12 35.45 38.18 42.12 46.67 49.70 56.36 62.12 69.09 83.94 92.42 99.09 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 106.60 1.34 5.51 6.34 9.76 23.51 36.28 46.43 44.00 56.97 68.69 97.15 78.07 246.98 254.82 205.22 568.09 556.92 551.05 15.04 2,978.77

106.60 3.58 3.58 107.94 0.04 3.62 113.45 0.19 3.81 119.79 0.21 4.02 129.55 0.33 4.35 153.07 0.79 5.14 189.35 1.22 6.36 235.78 1.56 7.92 279.78 1.48 9.39 336.75 1.91 11.30 405.43 2.31 13.61 502.58 3.26 16.87 580.65 2.62 19.49 827.63 8.29 27.78 1,082.45 8.55 36.34 1,287.67 6.89 43.23 1,855.76 19.07 62.30 2,412.68 18.70 81.00 2,963.73 18.50 99.50 2,978.77 0.50 100.00

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 8 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 2601

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2010

DATE

15/06/2011

Sawmills, Panglong (Sawmill with manual manufacture only)

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. 255 168 126 94 113 75 69 81 46 35 29 39 21 22 32 25 36 10 6 0 1,282

255 423 549 643 756 831 900 981 1,027 1,062 1,091 1,130 1,151 1,173 1,205 1,230 1,266 1,276 1,282 1,282

19.89 13.10 9.83 7.33 8.81 5.85 5.38 6.32 3.59 2.73 2.26 3.04 1.64 1.72 2.50 1.95 2.81 0.78 0.47 0.00

19.89 33.00 42.82 50.16 58.97 64.82 70.20 76.52 80.11 82.84 85.10 88.14 89.78 91.50 93.99 95.94 98.75 99.53 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 344.06 127.38 172.03 200.23 355.07 370.86 493.62 662.33 542.61 335.47 429.68 704.00 426.69 679.21 1,151.00 1,049.80 2,763.82 299.64 73.61 0.00 11,181.13

344.06 3.08 3.08 471.45 1.14 4.22 643.48 1.54 5.76 843.71 1.79 7.55 1,198.78 3.18 10.72 1,569.64 3.32 14.04 2,063.26 4.41 18.45 2,725.59 5.92 24.38 3,268.20 4.85 29.23 3,603.67 3.00 32.23 4,033.35 3.84 36.07 4,737.35 6.30 42.37 5,164.05 3.82 46.19 5,843.25 6.07 52.26 6,994.25 10.29 62.55 8,044.05 9.39 71.94 10,807.87 24.72 96.66 11,107.51 2.68 99.34 11,181.13 0.66 100.00 11,181.13 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 0 2 1 1 0 0 0 1 2 0 1 2 0 2 1 0 1 0 0 15

1 1 3 4 5 5 5 5 6 8 8 9 11 11 13 14 14 15 15 15

6.67 6.67 0.00 6.67 13.33 20.00 6.67 26.67 6.67 33.33 0.00 33.33 0.00 33.33 0.00 33.33 6.67 40.00 13.33 53.33 0.00 53.33 6.67 60.00 13.33 73.33 0.00 73.33 13.33 86.67 6.67 93.33 0.00 93.33 6.67 100.00 0.00 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 85.00 0.00 79.43 23.44 54.91 0.00 0.00 0.00 2.82 329.90 0.00 10.07 20.09 0.00 1,443.12 121.42 0.00 1,500.31 0.00 0.00 3,670.50

85.00 85.00 164.43 187.87 242.78 242.78 242.78 242.78 245.60 575.49 575.49 585.56 605.65 605.65 2,048.77 2,170.18 2,170.18 3,670.50 3,670.50 3,670.50

2.32 2.32 0.00 2.32 2.16 4.48 0.64 5.12 1.50 6.61 0.00 6.61 0.00 6.61 0.00 6.61 0.08 6.69 8.99 15.68 0.00 15.68 0.27 15.95 0.55 16.50 0.00 16.50 39.3 55.82 3.31 59.13 0.00 59.13 40.8 100.00 0.00 100.00 0.00 100.00

24.70 0.00 46.17 11.71 15.46 0.00 0.00 0.00 0.52 98.34 0.00 1.43 4.71 0.00 125.38 11.57 0.00 500.70 0.00 0.00

24.70 18.03 25.55 22.27 20.25 15.47 11.77 8.91 7.51 15.97 14.27 12.36 11.73 10.36 29.29 26.98 20.08 33.05 32.83 32.83

32.83

Page 9 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 2601

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2010

DATE

15/06/2011

Sawmills, Panglong (Sawmill with manual manufacture only)

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. 236 165 123 87 116 81 54 61 43 26 16 22 28 27 25 40 30 10 5 1 1,196

236 401 524 611 727 808 862 923 966 992 1,008 1,030 1,058 1,085 1,110 1,150 1,180 1,190 1,195 1,196

19.73 13.80 10.28 7.27 9.70 6.77 4.52 5.10 3.60 2.17 1.34 1.84 2.34 2.26 2.09 3.34 2.51 0.84 0.42 0.08

19.73 33.53 43.81 51.09 60.79 67.56 72.07 77.17 80.77 82.94 84.28 86.12 88.46 90.72 92.81 96.15 98.66 99.50 99.92 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 508.80 143.01 181.41 185.29 376.40 565.31 380.40 448.48 579.38 274.57 228.31 343.05 496.62 826.02 951.71 1,905.78 1,138.95 335.20 81.93 4.96 9,955.56

508.80 5.11 5.11 651.81 1.44 6.55 833.21 1.82 8.37 1,018.50 1.86 10.23 1,394.91 3.78 14.01 1,960.21 5.68 19.69 2,340.61 3.82 23.51 2,789.09 4.50 28.02 3,368.47 5.82 33.84 3,643.03 2.76 36.59 3,871.35 2.29 38.89 4,214.40 3.45 42.33 4,711.02 4.99 47.32 5,537.04 8.30 55.62 6,488.75 9.56 65.18 8,394.53 19.14 84.32 9,533.48 11.44 95.76 9,868.68 3.37 99.13 9,950.61 0.82 99.95 9,955.56 0.05 100.00

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

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 100.0 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 0.00 100.00 100.00 100.00 100.00

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,064.42 0.00 0.00 0.00 1,064.42

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 1,064.42 1,064.42 1,064.42 1,064.42

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 0.00 100. 0.00 0.00 0.00

0.00 0.00 0.00 0.00 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 93.46 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11.17 10.79 10.70 10.69

10.69

Page 10 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 2601

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2010

DATE

15/06/2011

Sawmills, Panglong (Sawmill with manual manufacture only)

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. 206 173 143 106 96 86 70 68 42 27 14 28 23 30 32 37 33 15 10 0 1,239

206 379 522 628 724 810 880 948 990 1,017 1,031 1,059 1,082 1,112 1,144 1,181 1,214 1,229 1,239 1,239

16.63 13.96 11.54 8.56 7.75 6.94 5.65 5.49 3.39 2.18 1.13 2.26 1.86 2.42 2.58 2.99 2.66 1.21 0.81 0.00

16.63 30.59 42.13 50.69 58.43 65.38 71.03 76.51 79.90 82.08 83.21 85.47 87.33 89.75 92.33 95.32 97.98 99.19 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 505.00 134.74 187.68 228.94 317.30 352.02 451.72 450.06 371.97 261.67 153.28 394.05 416.20 744.37 997.79 1,829.79 1,444.17 559.99 345.34 0.00 10,146.09

505.00 4.98 4.98 639.75 1.33 6.31 827.42 1.85 8.16 1,056.37 2.26 10.41 1,373.66 3.13 13.54 1,725.68 3.47 17.01 2,177.40 4.45 21.46 2,627.46 4.44 25.90 2,999.44 3.67 29.56 3,261.11 2.58 32.14 3,414.39 1.51 33.65 3,808.44 3.88 37.54 4,224.64 4.10 41.64 4,969.01 7.34 48.97 5,966.80 9.83 58.81 7,796.59 18.03 76.84 9,240.77 14.23 91.08 9,800.75 5.52 96.60 10,146.09 3.40 100.00 10,146.09 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 2 3 2 1 0 10

0 0 1 1 2 2 2 2 2 2 2 2 2 2 2 4 7 9 10 10

0.00 0.00 0.00 0.00 10.00 10.00 0.00 10.00 10.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 20.00 40.00 30.00 70.00 20.00 90.00 10.00 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 0.00 0.00 2.51 0.00 21.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 249.71 49,722.73 9.16 377.29 0.00 50,382.80

0.00 0.00 2.51 2.51 23.90 23.90 23.90 23.90 23.90 23.90 23.90 23.90 23.90 23.90 23.90 273.62 49,996.35 50,005.51 50,382.80 50,382.80

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.34 0.30 0.00 0.00 0.00 0.24 0.04 0.05 6.74 1.74 0.00 0.05 0.00 1.39 0.00 0.05 0.00 1.10 0.00 0.05 0.00 0.91 0.00 0.05 0.00 0.80 0.00 0.05 0.00 0.73 0.00 0.05 0.00 0.70 0.00 0.05 0.00 0.63 0.00 0.05 0.00 0.57 0.00 0.05 0.00 0.48 0.00 0.05 0.00 0.40 0.50 0.54 13.65 3.51 98.6 99.23 3442.99 541.04 0.02 99.25 1.64 510.22 0.75 100.00 109.25 496.57 0.00 100.00 0.00 496.57 496.57

Page 11 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 2601

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/06/2011

Sawmills, Panglong (Sawmill with manual manufacture only)

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. 161 139 145 91 105 68 66 53 30 34 29 30 16 29 19 46 26 18 5 1 1,111

161 300 445 536 641 709 775 828 858 892 921 951 967 996 1,015 1,061 1,087 1,105 1,110 1,111

14.49 12.51 13.05 8.19 9.45 6.12 5.94 4.77 2.70 3.06 2.61 2.70 1.44 2.61 1.71 4.14 2.34 1.62 0.45 0.09

14.49 27.00 40.05 48.24 57.70 63.82 69.76 74.53 77.23 80.29 82.90 85.60 87.04 89.65 91.36 95.50 97.84 99.46 99.91 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 650.38 112.11 255.13 186.65 320.36 285.39 499.60 385.27 338.77 330.05 379.14 447.06 374.25 934.65 644.24 1,663.23 1,183.06 577.07 101.07 0.00 9,667.47

650.38 6.73 6.73 762.49 1.16 7.89 1,017.61 2.64 10.53 1,204.27 1.93 12.46 1,524.62 3.31 15.77 1,810.01 2.95 18.72 2,309.61 5.17 23.89 2,694.88 3.99 27.88 3,033.65 3.50 31.38 3,363.69 3.41 34.79 3,742.84 3.92 38.72 4,189.90 4.62 43.34 4,564.15 3.87 47.21 5,498.80 9.67 56.88 6,143.04 6.66 63.54 7,806.27 17.20 80.75 8,989.33 12.24 92.99 9,566.40 5.97 98.95 9,667.47 1.05 100.00 9,667.47 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

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 12 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 2976

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2010

DATE

15/06/2011

Dwelling Houses, not classified as Shop-Houses (Ruko), not exceeding 3 storeys

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. 98,726 104,185 113,286 61,506 57,786 25,256 15,393 10,264 4,863 2,159 1,457 1,390 848 755 372 423 209 86 116 24 499,104

98,726 202,911 316,197 377,703 435,489 460,745 476,138 486,402 491,265 493,424 494,881 496,271 497,119 497,874 498,246 498,669 498,878 498,964 499,080 499,104

19.78 20.87 22.70 12.32 11.58 5.06 3.08 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

19.78 40.66 63.35 75.68 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. 9,804.60 14,768.21 23,218.76 20,953.77 24,347.12 15,698.69 15,813.88 12,858.22 7,949.96 7,649.22 5,331.08 4,166.49 3,506.37 3,897.40 2,203.39 3,670.37 3,275.03 3,662.96 8,549.41 10,203.91 201,528.82

9,804.60 4.87 4.87 24,572.81 7.33 12.19 47,791.56 11.52 23.71 68,745.33 10.40 34.11 93,092.45 12.08 46.19 108,791.1 7.79 53.98 124,605.0 7.85 61.83 137,463.2 6.38 68.21 145,413.1 3.94 72.16 153,062.4 3.80 75.95 158,393.4 2.65 78.60 162,559.9 2.07 80.66 166,066.3 1.74 82.40 169,963.7 1.93 84.34 172,167.1 1.09 85.43 175,837.5 1.82 87.25 179,112.5 1.63 88.88 182,775.5 1.82 90.69 191,324.9 4.24 94.94 201,528.8 5.06 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 102 83 122 149 184 95 57 56 30 14 18 11 51 8 9 25 17 83 22 15 1,151

102 185 307 456 640 735 792 848 878 892 910 921 972 980 989 1,01 1,03 1,11 1,13 1,15

8.86 8.86 7.21 16.07 10.60 26.67 12.95 39.62 15.99 55.60 8.25 63.86 4.95 68.81 4.87 73.68 2.61 76.28 1.22 77.50 1.56 79.06 0.96 80.02 4.43 84.45 0.70 85.14 0.78 85.93 2.17 88.10 1.48 89.57 7.21 96.79 1.91 98.70 1.30 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3,855.86 2,521.00 4,296.39 5,141.89 7,760.39 4,141.86 3,244.65 2,864.74 2,216.85 545.55 914.66 135.88 21,441.83 208.40 513.43 2,345.46 1,148.22 1,458.97 15,031.59 8,328.60 88,116.20

3,855.86 6,376.86 10,673.25 15,815.13 23,575.52 27,717.38 30,962.03 33,826.77 36,043.62 36,589.17 37,503.82 37,639.70 59,081.53 59,289.93 59,803.36 62,148.83 63,297.04 64,756.01 79,787.60 88,116.20

4.38 4.38 2.86 7.24 4.88 12.11 5.84 17.95 8.81 26.76 4.70 31.46 3.68 35.14 3.25 38.39 2.52 40.90 0.62 41.52 1.04 42.56 0.15 42.72 24.3 67.05 0.24 67.29 0.58 67.87 2.66 70.53 1.30 71.83 1.66 73.49 17.0 90.55 9.45 100.00

39.33 17.07 18.50 24.54 31.87 26.38 20.52 22.28 27.89 7.13 17.16 3.26 611.51 5.35 23.30 63.90 35.06 39.83 175.82 81.62

39.33 25.95 22.33 23.01 25.32 25.48 24.85 24.61 24.79 23.90 23.68 23.15 35.58 34.88 34.74 35.34 35.34 35.43 41.70 43.72

43.72

Page 13 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 2976

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2010

DATE

15/06/2011

Dwelling Houses, not classified as Shop-Houses (Ruko), not exceeding 3 storeys

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. 88,855 104,167 120,485 67,054 63,971 28,232 17,421 11,750 5,331 2,388 1,729 1,591 895 833 381 446 221 65 66 16 515,897

88,855 193,022 313,507 380,561 444,532 472,764 490,185 501,935 507,266 509,654 511,383 512,974 513,869 514,702 515,083 515,529 515,750 515,815 515,881 515,897

17.22 20.19 23.35 13.00 12.40 5.47 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

17.22 37.41 60.77 73.77 86.17 91.64 95.02 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. 9,520.92 15,162.88 25,854.19 20,398.37 27,251.35 18,545.55 15,172.46 15,366.06 9,428.97 5,240.49 4,299.89 4,792.02 3,329.89 4,060.72 2,285.46 3,515.56 2,733.19 968.83 1,754.62 41,093.92 230,775.32

9,520.92 4.13 4.13 24,683.80 6.57 10.70 50,537.98 11.20 21.90 70,936.35 8.84 30.74 98,187.70 11.81 42.55 116,733.2 8.04 50.58 131,905.7 6.57 57.16 147,271.7 6.66 63.82 156,700.7 4.09 67.90 161,941.2 2.27 70.17 166,241.1 1.86 72.04 171,033.1 2.08 74.11 174,363.0 1.44 75.56 178,423.7 1.76 77.31 180,709.2 0.99 78.31 184,224.7 1.52 79.83 186,957.9 1.18 81.01 187,926.7 0.42 81.43 189,681.4 0.76 82.19 230,775.3 17.81 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

79 76 121 74 95 63 48 42 25 13 14 14 7 17 2 8 8 3 11 1

2,875.78 3,299.56 4,966.35 4,415.82 7,612.43 6,732.28 4,957.53 1,200.59 1,622.47 1,701.97 591.56 262.84 815.50 1,011.94 464.38 545.47 258.72 17.35 464.55 26.30

721

79 155 276 350 445 508 556 598 623 636 650 664 671 688 690 698 706 709 720 721

10.96 10.96 10.54 21.50 16.78 38.28 10.26 48.54 13.18 61.72 8.74 70.46 6.66 77.12 5.83 82.94 3.47 86.41 1.80 88.21 1.94 90.15 1.94 92.09 0.97 93.07 2.36 95.42 0.28 95.70 1.11 96.81 1.11 97.92 0.42 98.34 1.53 99.86 0.14 100.00

43,843.39

2,875.78 6,175.34 11,141.69 15,557.51 23,169.94 29,902.22 34,859.76 36,060.35 37,682.82 39,384.79 39,976.34 40,239.18 41,054.68 42,066.62 42,531.01 43,076.47 43,335.19 43,352.54 43,817.09 43,843.39

6.56 6.56 7.53 14.08 11.3 25.41 10.0 35.48 17.3 52.85 15.3 68.20 11.3 79.51 2.74 82.25 3.70 85.95 3.88 89.83 1.35 91.18 0.60 91.78 1.86 93.64 2.31 95.95 1.06 97.01 1.24 98.25 0.59 98.84 0.04 98.88 1.06 99.94 0.06 100.00

30.20 21.76 19.21 21.65 27.93 36.30 32.67 7.81 17.21 32.48 13.76 5.48 24.49 24.92 20.32 15.52 9.47 1.79 26.48 0.06

30.20 25.02 22.05 21.93 23.60 25.62 26.43 24.49 24.05 24.32 24.05 23.53 23.55 23.58 23.54 23.38 23.18 23.07 23.10 19.00

19.00

Page 14 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 2976

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2010

DATE

15/06/2011

Dwelling Houses, not classified as Shop-Houses (Ruko), not exceeding 3 storeys

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. 108,961 107,257 132,536 75,734 75,042 33,933 21,585 14,338 6,563 3,019 2,081 2,065 1,116 1,080 593 662 381 129 82 10 587,167

108,961 216,218 348,754 424,488 499,530 533,463 555,048 569,386 575,949 578,968 581,049 583,114 584,230 585,310 585,903 586,565 586,946 587,075 587,157 587,167

18.56 18.27 22.57 12.90 12.78 5.78 3.68 2.44 1.12 0.51 0.35 0.35 0.19 0.18 0.10 0.11 0.06 0.02 0.01 0.00

18.56 36.82 59.40 72.29 85.07 90.85 94.53 96.97 98.09 98.60 98.96 99.31 99.50 99.68 99.78 99.90 99.96 99.98 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 12,338.68 13,112.59 26,639.73 20,656.15 30,317.58 20,060.13 17,566.91 17,374.69 11,041.30 7,021.12 5,172.24 6,175.22 4,069.70 5,139.85 3,474.72 4,668.92 3,723.73 2,069.11 993.42 3,145.04 214,760.81

12,338.68 5.75 5.75 25,451.28 6.11 11.85 52,091.00 12.40 24.26 72,747.15 9.62 33.87 103,064.7 14.12 47.99 123,124.8 9.34 57.33 140,691.7 8.18 65.51 158,066.4 8.09 73.60 169,107.7 5.14 78.74 176,128.8 3.27 82.01 181,301.1 2.41 84.42 187,476.3 2.88 87.30 191,546.0 1.89 89.19 196,685.8 2.39 91.58 200,160.6 1.62 93.20 204,829.5 2.17 95.38 208,553.2 1.73 97.11 210,622.3 0.96 98.07 211,615.7 0.46 98.54 214,760.8 1.46 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 81 63 153 83 115 41 36 24 21 14 15 7 8 5 63 4 6 3 6 0 748

81 144 297 380 495 536 572 596 617 631 646 653 661 666 729 733 739 742 748 748

10.83 10.83 8.42 19.25 20.45 39.71 11.10 50.80 15.37 66.18 5.48 71.66 4.81 76.47 3.21 79.68 2.81 82.49 1.87 84.36 2.01 86.36 0.94 87.30 1.07 88.37 0.67 89.04 8.42 97.46 0.53 97.99 0.80 98.80 0.40 99.20 0.80 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 3,567.84 2,985.75 7,717.27 5,907.15 10,807.17 4,074.24 4,673.86 2,171.27 2,459.53 2,413.43 2,222.08 481.32 596.43 148.90 1,811.88 1,810.06 4,392.89 27,304.06 22.18 0.00 85,567.30

3,567.84 6,553.59 14,270.86 20,178.01 30,985.18 35,059.42 39,733.27 41,904.55 44,364.08 46,777.51 48,999.58 49,480.90 50,077.33 50,226.23 52,038.11 53,848.18 58,241.06 85,545.12 85,567.30 85,567.30

4.17 4.17 28.92 3.49 7.66 22.77 9.02 16.68 28.97 6.90 23.58 28.60 12.6 36.21 35.65 4.76 40.97 20.31 5.46 46.44 26.61 2.54 48.97 12.50 2.87 51.85 22.28 2.82 54.67 34.37 2.60 57.26 42.96 0.56 57.83 7.79 0.70 58.52 14.66 0.17 58.70 2.90 2.12 60.82 52.14 2.12 62.93 38.77 5.13 68.06 117.97 31.9 99.97 1319.61 0.03 100.00 2.23 0.00 100.00 0.00

28.92 25.75 27.40 27.74 30.06 28.47 28.24 26.51 26.23 26.56 27.03 26.39 26.14 25.54 26.00 26.29 27.93 40.62 40.44 39.84

39.84

Page 15 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 2976

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/06/2011

Dwelling Houses, not classified as Shop-Houses (Ruko), not exceeding 3 storeys

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. 62,048 81,045 114,076 68,288 69,102 31,792 19,748 13,592 6,404 2,832 2,025 1,988 1,111 998 557 551 287 74 54 13 476,585

62,048 143,093 257,169 325,457 394,559 426,351 446,099 459,691 466,095 468,927 470,952 472,940 474,051 475,049 475,606 476,157 476,444 476,518 476,572 476,585

13.02 17.01 23.94 14.33 14.50 6.67 4.14 2.85 1.34 0.59 0.42 0.42 0.23 0.21 0.12 0.12 0.06 0.02 0.01 0.00

13.02 30.02 53.96 68.29 82.79 89.46 93.60 96.46 97.80 98.39 98.82 99.24 99.47 99.68 99.79 99.91 99.97 99.99 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,702.26 8,302.19 19,463.34 16,648.06 25,659.12 17,803.70 15,695.96 15,662.93 10,658.06 6,100.14 5,098.54 6,338.03 4,240.53 4,499.32 4,202.59 4,247.16 2,215.80 913.14 1,179.76 364.95 175,995.58

6,702.26 3.81 3.81 15,004.44 4.72 8.53 34,467.78 11.06 19.58 51,115.84 9.46 29.04 76,774.96 14.58 43.62 94,578.66 10.12 53.74 110,274.6 8.92 62.66 125,937.5 8.90 71.56 136,595.6 6.06 77.61 142,695.7 3.47 81.08 147,794.2 2.90 83.98 154,132.3 3.60 87.58 158,372.8 2.41 89.99 162,872.1 2.56 92.54 167,074.7 2.39 94.93 171,321.9 2.41 97.34 173,537.7 1.26 98.60 174,450.8 0.52 99.12 175,630.6 0.67 99.79 175,995.5 0.21 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 6 9 5 3 1 1 1 0 2 0 0 0 0 0 0 0 0 0 0 30

2 8 17 22 25 26 27 28 28 30 30 30 30 30 30 30 30 30 30 30

6.67 20.00 30.00 16.67 10.00 3.33 3.33 3.33 0.00 6.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6.67 26.67 56.67 73.33 83.33 86.67 90.00 93.33 93.33 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 60.78 258.27 510.66 163.77 9.92 12.04 57.12 3.99 0.00 14.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,091.18

60.78 319.04 829.70 993.48 1,003.40 1,015.44 1,072.56 1,076.55 1,076.55 1,091.18 1,091.18 1,091.18 1,091.18 1,091.18 1,091.18 1,091.18 1,091.18 1,091.18 1,091.18 1,091.18

5.57 23.6 46.8 15.0 0.91 1.10 5.23 0.37 0.00 1.34 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5.57 29.24 76.04 91.05 91.96 93.06 98.29 98.66 98.66 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.91 3.11 2.62 0.98 0.04 0.07 0.36 0.03 0.00 0.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.91 2.13 2.41 1.94 1.31 1.07 0.97 0.85 0.79 0.76 0.74 0.71 0.69 0.67 0.65 0.64 0.63 0.63 0.62 0.62

0.62

Page 16 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 29371

DATA POSITION FROM PROCESSING

01/01/2007

15/12/2010

DATE

15/06/2011

Subject to Warranty A

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

9,409 6,763 9,274 7,250 9,666 5,925 5,137 4,606 2,876 1,598 1,406 1,648 1,107 1,243 782 1,057 604 189 157 20

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

70,717

9,409 16,172 25,446 32,696 42,362 48,287 53,424 58,030 60,906 62,504 63,910 65,558 66,665 67,908 68,690 69,747 70,351 70,540 70,697 70,717

13.31 9.56 13.11 10.25 13.67 8.38 7.26 6.51 4.07 2.26 1.99 2.33 1.57 1.76 1.11 1.49 0.85 0.27 0.22 0.03

13.31 22.87 35.98 46.23 59.90 68.28 75.55 82.06 86.13 88.39 90.37 92.70 94.27 96.03 97.13 98.63 99.48 99.75 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 15,708.70 1,746.55 4,338.91 4,949.50 10,044.80 8,419.46 9,933.90 11,488.50 9,468.13 6,488.94 6,536.48 9,546.84 7,025.64 9,930.11 7,423.61 13,591.00 9,284.16 3,772.64 3,039.62 650.74 153,388.23

15,708.70 10.24 10.24 17,455.25 1.14 11.38 21,794.17 2.83 14.21 26,743.67 3.23 17.44 36,788.47 6.55 23.98 45,207.93 5.49 29.47 55,141.82 6.48 35.95 66,630.32 7.49 43.44 76,098.45 6.17 49.61 82,587.39 4.23 53.84 89,123.88 4.26 58.10 98,670.72 6.22 64.33 105,696.3 4.58 68.91 115,626.4 6.47 75.38 123,050.0 4.84 80.22 136,641.0 8.86 89.08 145,925.2 6.05 95.13 149,697.8 2.46 97.59 152,737.5 1.98 99.58 153,388.2 0.42 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 81 14 23 23 33 24 31 20 19 14 20 29 34 29 17 20 11 12 8 4 466

81 95 118 141 174 198 229 249 268 282 302 331 365 394 411 431 442 454 462 466

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

17.38 17.38 19,821.82 3.00 20.39 577.41 4.94 25.32 1,124.92 4.94 30.26 2,368.92 7.08 37.34 4,742.57 5.15 42.49 2,909.80 6.65 49.14 7,587.95 4.29 53.43 4,865.60 4.08 57.51 3,133.11 3.00 60.52 4,205.02 4.29 64.81 7,367.69 6.22 71.03 5,612.84 7.30 78.33 6,742.47 6.22 84.55 10,411.47 3.65 88.20 3,315.53 4.29 92.49 22,596.55 2.36 94.85 4,450.25 2.58 97.42 113,895.44 1.72 99.14 2,751.02 0.86 100.00 1,895.06 230,375.44

19,821.82 20,399.22 21,524.14 23,893.06 28,635.63 31,545.43 39,133.38 43,998.98 47,132.09 51,337.11 58,704.80 64,317.64 71,060.11 81,471.58 84,787.11 107,383.67 111,833.92 225,729.36 228,480.38 230,375.44

8.60 8.60 126.18 126.18 0.25 8.85 33.06 116.87 0.49 9.34 25.93 98.76 1.03 10.37 47.86 89.34 2.06 12.43 47.21 77.84 1.26 13.69 34.56 69.78 3.29 16.99 76.38 70.97 2.11 19.10 42.35 66.03 1.36 20.46 33.09 61.94 1.83 22.28 64.80 62.16 3.20 25.48 112.72 65.87 2.44 27.92 58.79 65.18 2.93 30.85 95.97 67.23 4.52 35.36 104.85 70.46 1.44 36.80 44.66 68.90 9.81 46.61 166.26 78.59 1.93 48.54 47.93 76.64 49.4 97.98 3018.98 150.79 1.19 99.18 90.51 149.59 0.82 100.00 291.22 150.19 150.19

Page 17 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 29371

DATA POSITION FROM PROCESSING

01/01/2008

15/12/2010

DATE

15/06/2011

Subject to Warranty A

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. 10,161 6,712 9,011 7,259 10,359 6,661 5,809 5,452 3,472 2,075 1,700 2,086 1,379 1,642 1,039 1,451 920 241 270 48 77,747

10,161 16,873 25,884 33,143 43,502 50,163 55,972 61,424 64,896 66,971 68,671 70,757 72,136 73,778 74,817 76,268 77,188 77,429 77,699 77,747

13.07 8.63 11.59 9.34 13.32 8.57 7.47 7.01 4.47 2.67 2.19 2.68 1.77 2.11 1.34 1.87 1.18 0.31 0.35 0.06

13.07 21.70 33.29 42.63 55.95 64.52 71.99 79.00 83.47 86.14 88.33 91.01 92.78 94.89 96.23 98.10 99.28 99.59 99.94 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 11,795.48 1,989.69 3,934.83 4,737.82 10,341.19 8,961.23 10,593.19 13,010.58 10,859.84 7,974.48 7,621.08 10,282.72 8,518.38 12,558.43 9,033.66 18,424.01 11,815.87 3,221.35 4,992.84 978.86 171,645.54

11,795.48 6.87 6.87 13,785.17 1.16 8.03 17,720.01 2.29 10.32 22,457.83 2.76 13.08 32,799.02 6.02 19.11 41,760.25 5.22 24.33 52,353.44 6.17 30.50 65,364.03 7.58 38.08 76,223.86 6.33 44.41 84,198.34 4.65 49.05 91,819.43 4.44 53.49 102,102.1 5.99 59.48 110,620.5 4.96 64.45 123,178.9 7.32 71.76 132,212.6 5.26 77.03 150,636.6 10.73 87.76 162,452.5 6.88 94.64 165,673.8 1.88 96.52 170,666.6 2.91 99.43 171,645.5 0.57 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 55 9 13 19 32 22 25 34 22 17 17 16 6 14 10 21 63 6 24 1 426

55 64 77 96 128 150 175 209 231 248 265 281 287 301 311 332 395 401 425 426

12.91 12.91 2.11 15.02 3.05 18.08 4.46 22.54 7.51 30.05 5.16 35.21 5.87 41.08 7.98 49.06 5.16 54.23 3.99 58.22 3.99 62.21 3.76 65.96 1.41 67.37 3.29 70.66 2.35 73.00 4.93 77.93 14.79 92.72 1.41 94.13 5.63 99.77 0.23 100.00

LOSS RATIO CLAIM SEVERITY ( In Million Rp) PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 45,150.46 172.58 634.02 1,684.90 3,496.28 2,688.58 3,091.68 6,488.30 10,225.41 3,873.77 1,310.29 8,552.10 1,119.33 4,149.31 1,020.95 33,330.32 1,738.66 7,676.41 701.55 112.17 137,217.09

45,150.46 45,323.04 45,957.06 47,641.97 51,138.25 53,826.83 56,918.51 63,406.81 73,632.23 77,506.00 78,816.29 87,368.40 88,487.73 92,637.04 93,657.99 126,988.31 128,726.97 136,403.38 137,104.93 137,217.09

32.9 32.90 0.13 33.03 0.46 33.49 1.23 34.72 2.55 37.27 1.96 39.23 2.25 41.48 4.73 46.21 7.45 53.66 2.82 56.48 0.95 57.44 6.23 63.67 0.82 64.49 3.02 67.51 0.74 68.26 24.2 92.55 1.27 93.81 5.59 99.41 0.51 99.92 0.08 100.00

382.78 8.67 16.11 35.56 33.81 30.00 29.19 49.87 94.16 48.58 17.19 83.17 13.14 33.04 11.30 180.91 14.71 238.30 14.05 11.46

382.78 328.78 259.35 212.14 155.91 128.89 108.72 97.01 96.60 92.05 85.84 85.57 79.99 75.21 70.84 84.30 79.24 82.33 80.33 79.94

79.94

Page 18 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 29371

DATA POSITION FROM PROCESSING

01/01/2009

15/12/2010

DATE

15/06/2011

Subject to Warranty A

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. 11,127 7,199 9,899 7,706 11,655 7,956 6,782 6,556 4,185 2,568 2,074 2,390 1,768 2,227 1,427 1,933 1,242 369 342 98 89,503

11,127 18,326 28,225 35,931 47,586 55,542 62,324 68,880 73,065 75,633 77,707 80,097 81,865 84,092 85,519 87,452 88,694 89,063 89,405 89,503

12.43 8.04 11.06 8.61 13.02 8.89 7.58 7.32 4.68 2.87 2.32 2.67 1.98 2.49 1.59 2.16 1.39 0.41 0.38 0.11

12.43 20.48 31.54 40.15 53.17 62.06 69.63 76.96 81.63 84.50 86.82 89.49 91.47 93.95 95.55 97.71 99.10 99.51 99.89 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 14,813.05 1,879.39 4,118.03 4,871.73 10,821.82 9,987.50 12,158.25 14,909.28 12,768.50 10,128.36 9,329.18 11,584.90 10,391.04 15,135.23 11,564.85 17,908.05 12,624.49 2,715.39 3,416.29 963.93 192,089.25

14,813.05 16,692.44 20,810.47 25,682.20 36,504.02 46,491.52 58,649.77 73,559.05 86,327.55 96,455.91 105,785.0 117,369.9 127,761.0 142,896.2 154,461.1 172,369.1 184,993.6 187,709.0 191,125.3 192,089.2

7.71 7.71 0.98 8.69 2.14 10.83 2.54 13.37 5.63 19.00 5.20 24.20 6.33 30.53 7.76 38.29 6.65 44.94 5.27 50.21 4.86 55.07 6.03 61.10 5.41 66.51 7.88 74.39 6.02 80.41 9.32 89.73 6.57 96.31 1.41 97.72 1.78 99.50 0.50 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 54 8 11 10 23 16 16 17 6 9 2 10 6 11 13 26 55 4 3 1 301

54 62 73 83 106 122 138 155 161 170 172 182 188 199 212 238 293 297 300 301

17.94 17.94 2.66 20.60 3.65 24.25 3.32 27.57 7.64 35.22 5.32 40.53 5.32 45.85 5.65 51.50 1.99 53.49 2.99 56.48 0.66 57.14 3.32 60.47 1.99 62.46 3.65 66.11 4.32 70.43 8.64 79.07 18.27 97.34 1.33 98.67 1.00 99.67 0.33 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 6,212.23 457.41 742.56 1,839.33 3,962.48 6,119.80 2,398.93 2,986.64 1,388.88 3,689.68 201.57 7,705.90 642.00 1,163.90 834.88 16,170.45 10,576.95 1,293.89 44.13 400.43 68,832.04

6,212.23 6,669.63 7,412.20 9,251.53 13,214.01 19,333.81 21,732.74 24,719.38 26,108.26 29,797.93 29,999.51 37,705.40 38,347.40 39,511.31 40,346.19 56,516.64 67,093.59 68,387.48 68,431.61 68,832.04

9.03 9.03 0.66 9.69 1.08 10.77 2.67 13.44 5.76 19.20 8.89 28.09 3.49 31.57 4.34 35.91 2.02 37.93 5.36 43.29 0.29 43.58 11.2 54.78 0.93 55.71 1.69 57.40 1.21 58.62 23.4 82.11 15.3 97.47 1.88 99.35 0.06 99.42 0.58 100.00

41.94 24.34 18.03 37.76 36.62 61.27 19.73 20.03 10.88 36.43 2.16 66.52 6.18 7.69 7.22 90.30 83.78 47.65 1.29 41.54

41.94 39.96 35.62 36.02 36.20 41.59 37.06 33.60 30.24 30.89 28.36 32.13 30.01 27.65 26.12 32.79 36.27 36.43 35.80 35.83

35.83

Page 19 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 29371

DATA POSITION FROM PROCESSING

01/01/2010

15/12/2010

DATE

15/06/2011

Subject to Warranty A

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. 7,382 5,123 7,820 6,574 10,020 6,900 6,122 5,782 3,982 2,332 1,939 2,234 1,563 2,033 1,254 1,727 1,019 331 195 27 74,359

7,382 12,505 20,325 26,899 36,919 43,819 49,941 55,723 59,705 62,037 63,976 66,210 67,773 69,806 71,060 72,787 73,806 74,137 74,332 74,359

9.93 6.89 10.52 8.84 13.48 9.28 8.23 7.78 5.36 3.14 2.61 3.00 2.10 2.73 1.69 2.32 1.37 0.45 0.26 0.04

9.93 16.82 27.33 36.17 49.65 58.93 67.16 74.94 80.29 83.43 86.04 89.04 91.14 93.88 95.56 97.89 99.26 99.70 99.96 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 9,117.51 1,264.04 3,317.26 4,195.18 9,579.26 8,957.42 11,034.82 13,655.82 12,354.55 9,017.91 8,776.58 11,596.45 10,028.59 14,790.77 11,448.04 20,878.38 14,232.70 4,519.59 2,554.09 289.94 181,608.91

9,117.51 5.02 5.02 10,381.56 0.70 5.72 13,698.82 1.83 7.54 17,894.00 2.31 9.85 27,473.26 5.27 15.13 36,430.67 4.93 20.06 47,465.49 6.08 26.14 61,121.31 7.52 33.66 73,475.86 6.80 40.46 82,493.77 4.97 45.42 91,270.35 4.83 50.26 102,866.8 6.39 56.64 112,895.4 5.52 62.16 127,686.1 8.14 70.31 139,134.2 6.30 76.61 160,012.5 11.50 88.11 174,245.2 7.84 95.95 178,764.8 2.49 98.43 181,318.9 1.41 99.84 181,608.9 0.16 100.00

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

1 1 1 1 1 1 1 2 2 2 2 2 2 3 3 5 5 5 5 5

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

20.00 20.00 20.00 20.00 20.00 20.00 20.00 40.00 40.00 40.00 40.00 40.00 40.00 60.00 60.00 100.00 100.00 100.00 100.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM 12.50 0.00 0.00 0.00 0.00 0.00 0.00 41.27 0.00 0.00 0.00 0.00 0.00 50.88 0.00 424.64 0.00 0.00 0.00 0.00 529.29

12.50 12.50 12.50 12.50 12.50 12.50 12.50 53.77 53.77 53.77 53.77 53.77 53.77 104.65 104.65 529.29 529.29 529.29 529.29 529.29

2.36 0.00 0.00 0.00 0.00 0.00 0.00 7.80 0.00 0.00 0.00 0.00 0.00 9.61 0.00 80.2 0.00 0.00 0.00 0.00

2.36 2.36 2.36 2.36 2.36 2.36 2.36 10.16 10.16 10.16 10.16 10.16 10.16 19.77 19.77 100.00 100.00 100.00 100.00 100.00

0.14 0.00 0.00 0.00 0.00 0.00 0.00 0.30 0.00 0.00 0.00 0.00 0.00 0.34 0.00 2.03 0.00 0.00 0.00 0.00

0.14 0.12 0.09 0.07 0.05 0.03 0.03 0.09 0.07 0.07 0.06 0.05 0.05 0.08 0.08 0.33 0.30 0.30 0.29 0.29

0.29

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