Statistik bppdan edisi des 2011 by Reasuransi Internasional Indonesia

DAFTAR ISI - CONTENTS BAGIAN 1 - SECTION 1 : RISK AND LOSS PROFILE 2008

Page

1.1

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

1.2

GROUP BY CLASS OF BUSINESS I.2.1 CLASS OF BUSINESS FIRE …………………………………………………………………………….. I.2.2 CLASS OF BUSINESS INDUSTRIAL ALL RISK (IAR) ………………………………………. I.2.3 CLASS OF BUSINESS LOST OF PROFIT (LOP) ………………………………………………… I.2.4 CLASS OF BUSINESS EARTHQUAKE (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

1.3

1.4

……………………………………………………………………………… ……………………………………………………………………………… ……………………………………………………………………………… ……………………………………………………………………………… ……………………………………………………………………………… ……………………………………………………………………………… ……………………………………………………………………………… ……………………………………………………………………………… ……………………………………………………………………………… ……………………………………………………………………………… ……………………………………………………………………………… ……………………………………………………………………………… ……………………………………………………………………………… ………………………………………………………………………………

GROUP BY PROVINCE I.4.1 PROVINCE NANGGROE ACEH DARUSSALAM ……………………………………….. I.4.2 PROVINCE SUMATERA UTARA ……………………………………………………………………. I.4.3 PROVINCE SUMATERA BARAT ……………………………………………………………………. I.4.4 PROVINCE RIAU ………………………………………………………………………………………….. I.4.5 PROVINCE JAMBI …………………………………………………………………………………………. I.4.6 PROVINCE SUMATERA SELATAN ………………………………………………………………… I.4.7 PROVINCE BENGKULU ……………………………………………………………………………….. I.4.8 PROVINCE LAMPUNG ………………………………………………………………………………….. I.4.9 PROVINCE DAERAH KHUSUS IBUKOTA JAKARTA ……………………………………… I.4.10 PROVINCE JAWA BARAT ……………………………………………………………………………… I.4.11 PROVINCE JAWA TENGAH ………………………………………………………………………….. I.4.12 PROVINCE DAERAH ISTIMEWA YOGYAKARTA ………………………………………….. I.4.13 PROVINCE JAWA TIMUR ……………………………………………………………………………… I.4.14 PROVINCE KALIMANTAN BARAT ……………………………………………………………….. I.4.15 PROVINCE KALIMANTAN TENGAH …………………………………………………………….. I.4.16 PROVINCE KALIMANTAN SELATAN ……………………………………………………………. I.4.17 PROVINCE KALIMANTAN TIMUR ……………………………………………………………….. I.4.18 PROVINCE SULAWESI UTARA …………………………………………………………………….. I.4.19 PROVINCE SULAWESI TENGAH ………………………………………………………………….. I.4.20 PROVINCE SULAWESI SELATAN …………………………………………………………………. I.4.21 PROVINCE SULAWESI TENGGARA ……………………………………………………………… I.4.22 PROVINCE BALI …………………………………………………………………………………………… I.4.23 PROVINCE NUSA TENGGARA BARAT …………………………………………………………. I.4.24 PROVINCE NUSA TENGGARA TIMUR …………………………………………………………. I.4.25 PROVINCE MALUKU ……………………………………………………………………………………. I.4.26 PROVINCE IRIAN JAYA ………………………………………………………………………………… I.4.27 PROVINCE MALUKU UTARA ……………………………………………………………………….. I.4.28 PROVINCE IRIAN JAYA BARAT ……………………………………………………………………. I.4.29 PROVINCE BANTEN ……………………………………………………………………………………. I.4.30 PROVINCE BANGKA BELITUNG ………………………………………………………………….. I.4.31 PROVINCE GORONTALO …………………………………………………………………………….. I.4.32 PROVINCE KEPULAUAN RIAU ……………………………………………………………………..

20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51

Badan Pengelola Pusat Data Asuransi Nasional (BPPDAN)

BAGIAN 2 - SECTION 2 : RISK AND LOSS PROFILE 2009

Page

2.1

ALL CLASS OF BUSINESS …………………………………………………………………………………………… 52

2.2

GROUP BY CLASS OF BUSINESS 2.2.1 CLASS OF BUSINESS FIRE …………………………………………………………………………….. 2.2.2 CLASS OF BUSINESS INDUSTRIAL ALL RISK (IAR) ………………………………………. 2.2.3 CLASS OF BUSINESS LOST OF PROFIT (LOP) ………………………………………………… 2.2.4 CLASS OF BUSINESS EARTHQUAKE (EQ) ……………………………………………………..

53 54 55 56

GROUP BY OCCUPATION CODE 2.3.1 OCCUPATION CODE 20 2.3.2 OCCUPATION CODE 21 2.3.3 OCCUPATION CODE 22 2.3.4 OCCUPATION CODE 23 2.3.5 OCCUPATION CODE 24 I.3.6 OCCUPATION CODE 25 2.3.7 OCCUPATION CODE 26 2.3.8 OCCUPATION CODE 27 2.3.9 OCCUPATION CODE 28 2.3.10 OCCUPATION CODE 29 I.3.11 OCCUPATION CODE 30 2.3.12 OCCUPATION CODE 31 2.3.13 OCCUPATION CODE 32 2.3.14 OCCUPATION CODE 40

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

2.3

2.4

GROUP BY PROVINCE 2.4.1 PROVINCE NANGGROE ACEH DARUSSALAM ……………………………………………. 71 2.4.2 PROVINCE SUMATERA UTARA ……………………………………………………………………. 72 2.4.3 PROVINCE SUMATERA BARAT ……………………………………………………………………. 73 2.4.4 PROVINCE RIAU ………………………………………………………………………………………….. 74 2.4.5 PROVINCE JAMBI …………………………………………………………………………………………. 75 2.4.6 PROVINCE SUMATERA SELATAN ………………………………………………………………… 76 2.4.7 PROVINCE BENGKULU ……………………………………………………………………………….. 77 2.4.8 PROVINCE LAMPUNG ………………………………………………………………………………….. 78 2.4.9 PROVINCE DAERAH KHUSUS IBUKOTA JAKARTA ……………………………………… 79 2.4.10 PROVINCE JAWA BARAT ……………………………………………………………………………… 80 2.4.11 PROVINCE JAWA TENGAH ………………………………………………………………………….. 81 2.4.12 PROVINCE DAERAH ISTIMEWA YOGYAKARTA ………………………………………….. 82 2.4.13 PROVINCE JAWA TIMUR ……………………………………………………………………………… 83 2.4.14 PROVINCE KALIMANTAN BARAT ……………………………………………………………….. 84 2.4.15 PROVINCE KALIMANTAN TENGAH …………………………………………………………….. 85 2.4.16 PROVINCE KALIMANTAN SELATAN ……………………………………………………………. 86 2.4.17 PROVINCE KALIMANTAN TIMUR ……………………………………………………………….. 87 2.4.18 PROVINCE SULAWESI UTARA …………………………………………………………………….. 88 2.4.19 PROVINCE SULAWESI TENGAH ………………………………………………………………….. 89 2.4.20 PROVINCE SULAWESI SELATAN …………………………………………………………………. 90 2.4.21 PROVINCE SULAWESI TENGGARA ……………………………………………………………… 91 2.4.22 PROVINCE BALI …………………………………………………………………………………………… 92 2.4.23 PROVINCE NUSA TENGGARA BARAT …………………………………………………………. 93 2.4.24 PROVINCE NUSA TENGGARA TIMUR …………………………………………………………. 94 2.4.25 PROVINCE MALUKU ……………………………………………………………………………………. 95 2.4.26 PROVINCE IRIAN JAYA ………………………………………………………………………………… 96 2.4.27 PROVINCE MALUKU UTARA ……………………………………………………………………….. 97 2.4.28 PROVINCE IRIAN JAYA BARAT ……………………………………………………………………. 98 2.4.29 PROVINCE BANTEN ……………………………………………………………………………………. 99 2.4.30 PROVINCE BANGKA BELITUNG ………………………………………………………………….. 100 2.4.31 PROVINCE GORONTALO …………………………………………………………………………….. 101 2.4.32 PROVINCE KEPULAUAN RIAU …………………………………………………………………….. 102

Badan Pengelola Pusat Data Asuransi Nasional (BPPDAN)

BAGIAN 3 - SECTION 3 : RISK AND LOSS PROFILE 2010

Page

3.1

ALL CLASS OF BUSINESS …………………………………………………………………………………………… 103

3.2

GROUP BY CLASS OF BUSINESS 3.2.1 CLASS OF BUSINESS FIRE …………………………………………………………………………….. 3.2.2 CLASS OF BUSINESS INDUSTRIAL ALL RISK (IAR) ………………………………………. 3.2.3 CLASS OF BUSINESS LOST OF PROFIT (LOP) ………………………………………………… 3.2.4 CLASS OF BUSINESS EARTHQUAKE (EQ) ……………………………………………………..

104 105 106 107

GROUP BY OCCUPATION CODE 3.3.1 OCCUPATION CODE 20 3.3.2 OCCUPATION CODE 21 3.3.3 OCCUPATION CODE 22 3.3.4 OCCUPATION CODE 23 3.3.5 OCCUPATION CODE 24 3.3.6 OCCUPATION CODE 25 3.3.7 OCCUPATION CODE 26 3.3.8 OCCUPATION CODE 27 3.3.9 OCCUPATION CODE 28 3.3.10 OCCUPATION CODE 29 3.3.11 OCCUPATION CODE 30 3.3.12 OCCUPATION CODE 31 3.3.13 OCCUPATION CODE 32 3.3.14 OCCUPATION CODE 40

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

3.3

3.4

GROUP BY PROVINCE 3.4.1 PROVINCE NANGGROE ACEH DARUSSALAM ……………………………………………. 122 3.4.2 PROVINCE SUMATERA UTARA ……………………………………………………………………. 123 3.4.3 PROVINCE SUMATERA BARAT ……………………………………………………………………. 124 3.4.4 PROVINCE RIAU ………………………………………………………………………………………….. 125 3.4.5 PROVINCE JAMBI …………………………………………………………………………………………. 126 3.4.6 PROVINCE SUMATERA SELATAN ………………………………………………………………… 127 3.4.7 PROVINCE BENGKULU ……………………………………………………………………………….. 128 3.4.8 PROVINCE LAMPUNG ………………………………………………………………………………….. 129 3.4.9 PROVINCE DAERAH KHUSUS IBUKOTA JAKARTA ……………………………………… 130 3.4.10 PROVINCE JAWA BARAT ……………………………………………………………………………… 131 3.4.11 PROVINCE JAWA TENGAH ………………………………………………………………………….. 132 3.4.12 PROVINCE DAERAH ISTIMEWA YOGYAKARTA ………………………………………….. 133 3.4.13 PROVINCE JAWA TIMUR ……………………………………………………………………………… 134 3.4.14 PROVINCE KALIMANTAN BARAT ……………………………………………………………….. 135 3.4.15 PROVINCE KALIMANTAN TENGAH …………………………………………………………….. 136 3.4.16 PROVINCE KALIMANTAN SELATAN ……………………………………………………………. 137 3.4.17 PROVINCE KALIMANTAN TIMUR ……………………………………………………………….. 138 3.4.18 PROVINCE SULAWESI UTARA …………………………………………………………………….. 139 3.4.19 PROVINCE SULAWESI TENGAH ………………………………………………………………….. 140 3.4.20 PROVINCE SULAWESI SELATAN …………………………………………………………………. 141 3.4.21 PROVINCE SULAWESI TENGGARA ……………………………………………………………… 142 3.4.22 PROVINCE BALI …………………………………………………………………………………………… 143 3.4.23 PROVINCE NUSA TENGGARA BARAT …………………………………………………………. 144 3.4.24 PROVINCE NUSA TENGGARA TIMUR …………………………………………………………. 145 3.4.25 PROVINCE MALUKU ……………………………………………………………………………………. 146 3.4.26 PROVINCE IRIAN JAYA ………………………………………………………………………………… 147 3.4.27 PROVINCE MALUKU UTARA ……………………………………………………………………….. 148 3.4.28 PROVINCE IRIAN JAYA BARAT ……………………………………………………………………. 149 3.4.29 PROVINCE BANTEN ……………………………………………………………………………………. 150 3.4.30 PROVINCE BANGKA BELITUNG ………………………………………………………………….. 151 3.4.31 PROVINCE GORONTALO …………………………………………………………………………….. 152 3.4.32 PROVINCE KEPULAUAN RIAU …………………………………………………………………….. 153

Badan Pengelola Pusat Data Asuransi Nasional (BPPDAN)

BAGIAN 4 - SECTION 4 : RISK AND LOSS PROFILE 2011

Page

4.1

ALL CLASS OF BUSINESS …………………………………………………………………………………………… 154

4.2

GROUP BY CLASS OF BUSINESS 4.2.1 CLASS OF BUSINESS FIRE …………………………………………………………………………….. 4.2.2 CLASS OF BUSINESS INDUSTRIAL ALL RISK (IAR) ………………………………………. 4.2.3 CLASS OF BUSINESS LOST OF PROFIT (LOP) ………………………………………………… 4.2.4 CLASS OF BUSINESS EARTHQUAKE (EQ) ……………………………………………………..

155 156 157 158

GROUP BY OCCUPATION CODE 4.3.1 OCCUPATION CODE 20 4.3.2 OCCUPATION CODE 21 4.3.3 OCCUPATION CODE 22 4.3.4 OCCUPATION CODE 23 4.3.5 OCCUPATION CODE 24 4.3.6 OCCUPATION CODE 25 4.3.7 OCCUPATION CODE 26 4.3.8 OCCUPATION CODE 27 4.3.9 OCCUPATION CODE 28 4.3.10 OCCUPATION CODE 29 4.3.11 OCCUPATION CODE 30 4.3.12 OCCUPATION CODE 31 4.3.13 OCCUPATION CODE 32 4.3.14 OCCUPATION CODE 40

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

4.3

4.4

GROUP BY PROVINCE 4.4.1 PROVINCE NANGGROE ACEH DARUSSALAM ……………………………………………. 173 4.4.2 PROVINCE SUMATERA UTARA ……………………………………………………………………. 174 4.4.3 PROVINCE SUMATERA BARAT ……………………………………………………………………. 175 4.4.4 PROVINCE RIAU ………………………………………………………………………………………….. 176 4.4.5 PROVINCE JAMBI …………………………………………………………………………………………. 177 4.4.6 PROVINCE SUMATERA SELATAN ………………………………………………………………… 178 4.4.7 PROVINCE BENGKULU ……………………………………………………………………………….. 179 4.4.8 PROVINCE LAMPUNG ………………………………………………………………………………….. 180 4.4.9 PROVINCE DAERAH KHUSUS IBUKOTA JAKARTA ……………………………………… 181 4.4.10 PROVINCE JAWA BARAT ……………………………………………………………………………… 182 4.4.11 PROVINCE JAWA TENGAH ………………………………………………………………………….. 183 4.4.12 PROVINCE DAERAH ISTIMEWA YOGYAKARTA ………………………………………….. 184 4.4.13 PROVINCE JAWA TIMUR ……………………………………………………………………………… 185 4.4.14 PROVINCE KALIMANTAN BARAT ……………………………………………………………….. 186 4.4.15 PROVINCE KALIMANTAN TENGAH …………………………………………………………….. 187 4.4.16 PROVINCE KALIMANTAN SELATAN ……………………………………………………………. 188 4.4.17 PROVINCE KALIMANTAN TIMUR ……………………………………………………………….. 189 4.4.18 PROVINCE SULAWESI UTARA …………………………………………………………………….. 190 4.4.19 PROVINCE SULAWESI TENGAH ………………………………………………………………….. 191 4.4.20 PROVINCE SULAWESI SELATAN …………………………………………………………………. 192 4.4.21 PROVINCE SULAWESI TENGGARA ……………………………………………………………… 193 4.4.22 PROVINCE BALI …………………………………………………………………………………………… 194 4.4.23 PROVINCE NUSA TENGGARA BARAT …………………………………………………………. 195 4.4.24 PROVINCE NUSA TENGGARA TIMUR …………………………………………………………. 196 4.4.25 PROVINCE MALUKU ……………………………………………………………………………………. 197 4.4.26 PROVINCE IRIAN JAYA ………………………………………………………………………………… 198 4.4.27 PROVINCE MALUKU UTARA ……………………………………………………………………….. 199 4.4.28 PROVINCE IRIAN JAYA BARAT ……………………………………………………………………. 200 4.4.29 PROVINCE BANTEN ……………………………………………………………………………………. 201 4.4.30 PROVINCE BANGKA BELITUNG ………………………………………………………………….. 202 4.4.31 PROVINCE GORONTALO …………………………………………………………………………….. 203 4.4.32 PROVINCE KEPULAUAN RIAU …………………………………………………………………….. 204

Badan Pengelola Pusat Data Asuransi Nasional (BPPDAN)

BAGIAN 5 5.1 5.2 5.3

- SECTION 5 : TABEL GABUNGAN - COMBINED TABLE

Page

BAGIAN 6 6.1 6.2 6.3 6.4 6.5 6.6 6.7 6.8 6.9 6.10

- SECTION 6 : GRAFIK - GRAPH Comparison Graph of Policies Number by Occupation Code ……………………………………….1 Comparison Graph of Premium by Occupation Code ………………………………………………….2 Comparison Graph of Claim Number by Occupation Code …………………………………………3 Comparison Graph of Claim by Occupation Code ………………………………………………………. 4 Comparison Graph of Loss Ratio by Occupation Code ………………………………………………..5 Comparison Graph of Policies Number by Province Code ……………………………………………. 6 Comparison Graph of Premium by Province Code ………………………………………………………. 7 Comparison Graph of Claim Number by Province Code ……………………………………………… 8 Comparison Graph of Claim by Province Code …………………………………………………………… 9 Comparison Graph of Loss Ratio by Province Code …………………………………………………….. 10

By Class of Business ……………………………………………………………………………………………………….. 1 By Occupation ………………………………………………………………………………………………………………. 2 By Province …………………………………………………………………………………………………………………… 3

BAGIAN 7 - SECTION 7 : EXAMPLE FOR REAL OCCUPATION CODE 7.1 OCCUPATION CODE : 216 - GLASS PROCESSING AND MIRROR FACTORIES 7.1.1 Risk and Loss Profile 2008 ……………………………………………………………………………… 1 7.1.2 Risk and Loss Profile 2009 ……………………………………………………………………………… 2 7.1.3 Risk and Loss Profile 2010 ……………………………………………………………………………… 3 7.1.4 Risk and Loss Profile 2011 ……………………………………………………………………………… 4 7.2

OCCUPATION CODE : 2403 - SYNTHETIC FIBRES (MECHANICAL PROCESS) 7.2.1 Risk and Loss Profile 2008 ……………………………………………………………………………… 5 7.2.2 Risk and Loss Profile 2009 ……………………………………………………………………………… 6 7.2.3 Risk and Loss Profile 2010 ……………………………………………………………………………… 7 7.2.4 Risk and Loss Profile 2011 ……………………………………………………………………………… 8

7.3

OCCUPATION CODE : 24522 - CARPET MANUFACTURERS 9 7.3.1 Risk and Loss Profile 2008 ……………………………………………………………………………… 10 7.3.2 Risk and Loss Profile 2009 ……………………………………………………………………………… 11 7.3.3 Risk and Loss Profile 2010 ……………………………………………………………………………… 12 7.3.4 Risk and Loss Profile 2011 ………………………………………………………………………………

7.4

OCCUPATION CODE : 2722 - BAKERIES AND BISCUIT WORKS 13 7.4.1 Risk and Loss Profile 2008 ……………………………………………………………………………… 14 7.4.2 Risk and Loss Profile 2009 ……………………………………………………………………………… 15 7.4.3 Risk and Loss Profile 2010 ……………………………………………………………………………… 16 7.4.4 Risk and Loss Profile 2011 ………………………………………………………………………………

7.5

OCCUPATION CODE : 2930 - DISPENSARIES 17 7.5.1 Risk and Loss Profile 2008 ……………………………………………………………………………… 18 7.5.2 Risk and Loss Profile 2009 ……………………………………………………………………………… 19 7.5.3 Risk and Loss Profile 2010 ……………………………………………………………………………… 20 7.5.4 Risk and Loss Profile 2011 ………………………………………………………………………………

Badan Pengelola Pusat Data Asuransi Nasional (BPPDAN)

RISK AND LOSS PROFILE 2008

PT. REASURANSI INTERNASIONAL INDONESIA Jalan Salemba Raya nomor 30, Jakarta 10430, Indonesia P.O. Box 2635 JKT 10026 Telepon : (62-21) 3920101, (62-21) 319 34208; Fax : (62-21) 3911432 Website : http://www.reindo.co.id/bppdan/default.asp E-mail : bppdan@reindo.co.id

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

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

: : :

SUM INSURED (in million) Mid Points 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 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

TOTAL FR, IAR, LOP, EQ 2008 ALL CODE NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 165,495 153,464 192,444 121,278 134,238 72,235 50,245 40,372 23,010 12,985 10,143 12,050 8,086 10,709 6,531 11,228 9,571 4,622 5,999 2,307

1,047,012

165,495 318,959 511,403 632,681 766,919 839,154 889,399 929,771 952,781 965,766 975,909 987,959 996,045 1,006,754 1,013,285 1,024,513 1,034,084 1,038,706 1,044,705 1,047,012

15.81 15.81 14.66 30.46 18.38 48.84 11.58 60.43 12.82 73.25 6.90 80.15 4.80 84.95 3.86 88.80 2.20 91.00 1.24 92.24 0.97 93.21 1.15 94.36 0.77 95.13 1.02 96.15 0.62 96.78 1.07 97.85 0.91 98.77 0.44 99.21 0.57 99.78 0.22 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 134,559.29 35,864.02 75,921.71 74,095.85 127,240.48 97,470.63 91,096.79 97,454.81 71,786.76 47,527.94 45,288.22 60,949.11 48,994.04 77,480.86 58,451.71 136,173.44 147,766.23 79,659.89 103,138.82 143,243.37 1,754,163.97

134,559.29 170,423.31 246,345.03 320,440.87 447,681.35 545,151.99 636,248.78 733,703.59 805,490.35 853,018.29 898,306.51 959,255.62 1,008,249.66 1,085,730.52 1,144,182.23 1,280,355.68 1,428,121.91 1,507,781.80 1,610,920.62 1,754,163.99

7.67 7.67 2.04 9.72 4.33 14.04 4.22 18.27 7.25 25.52 5.56 31.08 5.19 36.27 5.56 41.83 4.09 45.92 2.71 48.63 2.58 51.21 3.47 54.68 2.79 57.48 4.42 61.89 3.33 65.23 7.76 72.99 8.42 81.41 4.54 85.95 5.88 91.83 8.17 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,881 442 866 548 831 616 540 594 423 334 279 390 367 439 341 1130 1425 977 1835 1384 15,642

1,881 2,323 3,189 3,737 4,568 5,184 5,724 6,318 6,741 7,075 7,354 7,744 8,111 8,550 8,891 10,021 11,446 12,423 14,258 15,642

12.03 12.03 2.83 14.85 5.54 20.39 3.50 23.89 5.31 29.20 3.94 33.14 3.45 36.59 3.80 40.39 2.70 43.10 2.14 45.23 1.78 47.01 2.49 49.51 2.35 51.85 2.81 54.66 2.18 56.84 7.22 64.06 9.11 73.17 6.25 79.42 11.73 91.15 8.85 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 150,806.75 11,092.86 23,109.35 15,654.37 39,869.11 26,165.05 29,478.96 51,674.52 28,394.26 32,155.81 19,023.65 39,741.55 44,007.05 47,718.01 32,922.26 192,697.31 247,142.85 78,466.44 191,155.27 261,310.86 1,562,586.29

150,806.75 161,899.61 185,008.96 200,663.33 240,532.44 266,697.49 296,176.45 347,850.96 376,245.22 408,401.03 427,424.68 467,166.24 511,173.29 558,891.30 591,813.55 784,510.86 1,031,653.71 1,110,120.15 1,301,275.42 1,562,586.29

9.65 9.65 0.71 10.36 1.48 11.84 1.00 12.84 2.55 15.39 1.67 17.07 1.89 18.95 3.31 22.26 1.82 24.08 2.06 26.14 1.22 27.35 2.54 29.90 2.82 32.71 3.05 35.77 2.11 37.87 12.33 50.21 15.82 66.02 5.02 71.04 12.23 83.28 16.72 100.00

112.07 112.07 30.93 95.00 30.44 75.10 21.13 62.62 31.33 53.73 26.84 48.92 32.36 46.55 53.02 47.41 39.55 46.71 67.66 47.88 42.01 47.58 65.20 48.70 89.82 50.70 61.59 51.48 56.32 51.72 141.51 61.27 167.25 72.24 98.50 73.63 185.34 80.78 182.42 89.08 89.08

Page 1 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

FIRE (FR) 2008 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 134,861 144,083 178,034 109,104 116,407 56,635 37,680 27,945 14,864 7,975 5,804 6,558 4,058 4,964 2,845 4,159 3,286 1,346 2,069 814 863,491

134,861 278,944 456,978 566,082 682,489 739,124 776,804 804,749 819,613 827,588 833,392 839,950 844,008 848,972 851,817 855,976 859,262 860,608 862,677 863,491

15.62 15.62 16.69 32.30 20.62 52.92 12.64 65.56 13.48 79.04 6.56 85.60 4.36 89.96 3.24 93.20 1.72 94.92 0.92 95.84 0.67 96.51 0.76 97.27 0.47 97.74 0.57 98.32 0.33 98.65 0.48 99.13 0.38 99.51 0.16 99.67 0.24 99.91 0.09 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 54,749.53 54,749.53 34,000.59 88,750.12 71,557.14 160,307.26 68,720.11 229,027.37 115,576.34 344,603.71 83,137.89 427,741.60 75,689.23 503,430.83 76,342.53 579,773.36 53,533.28 633,306.64 33,731.87 667,038.51 30,518.18 697,556.68 38,914.69 736,471.38 29,553.22 766,024.59 43,144.78 809,169.37 30,685.69 839,855.06 58,517.72 898,372.78 53,964.06 952,336.84 22,636.95 974,973.79 20,534.28 995,508.07 12,154.34 1,007,662.41 1,007,662.41

5.43 5.43 3.37 8.81 7.10 15.91 6.82 22.73 11.47 34.20 8.25 42.45 7.51 49.96 7.58 57.54 5.31 62.85 3.35 66.20 3.03 69.23 3.86 73.09 2.93 76.02 4.28 80.30 3.05 83.35 5.81 89.15 5.36 94.51 2.25 96.76 2.04 98.79 1.21 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 797 314 503 291 405 304 263 244 161 140 126 127 101 179 132 432 530 182 387 120 5,738

797 1,111 1,614 1,905 2,310 2,614 2,877 3,121 3,282 3,422 3,548 3,675 3,776 3,955 4,087 4,519 5,049 5,231 5,618 5,738

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

13.89 13.89 48,173.51 48,173.51 5.47 19.36 6,817.97 54,991.48 8.77 28.13 20,712.02 75,703.50 5.07 33.20 10,190.51 85,894.00 7.06 40.26 28,136.73 114,030.73 5.30 45.56 17,727.12 131,757.86 4.58 50.14 18,922.43 150,680.28 4.25 54.39 23,317.56 173,997.84 2.81 57.20 11,962.58 185,960.42 2.44 59.64 15,273.82 201,234.24 2.20 61.83 10,894.66 212,128.90 2.21 64.05 21,558.59 233,687.49 1.76 65.81 25,897.51 259,585.01 3.12 68.93 26,274.25 285,859.25 2.30 71.23 21,212.42 307,071.67 7.53 78.76 104,791.69 411,863.37 9.24 87.99 65,827.68 477,691.05 3.17 91.16 24,418.49 502,109.54 6.74 97.91 25,782.04 527,891.57 2.09 100.00 14,615.29 542,506.86 542,506.86

8.88 8.88 1.26 10.14 3.82 13.95 1.88 15.83 5.19 21.02 3.27 24.29 3.49 27.77 4.30 32.07 2.21 34.28 2.82 37.09 2.01 39.10 3.97 43.08 4.77 47.85 4.84 52.69 3.91 56.60 19.32 75.92 12.13 88.05 4.50 92.55 4.75 97.31 2.69 100.00

87.99 20.05 28.94 14.83 24.34 21.32 25.00 30.54 22.35 45.28 35.70 55.40 87.63 60.90 69.13 179.08 121.98 107.87 125.56 120.25

87.99 61.96 47.22 37.50 33.09 30.80 29.93 30.01 29.36 30.17 30.41 31.73 33.89 35.33 36.56 45.85 50.16 51.50 53.03 53.84

53.84

Page 2 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

INDUSTRIAL ALL RISK (IAR) 2008 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 19,624 5,824 8,996 8,016 12,337 11,592 9,164 8,756 5,560 3,393 2,885 3,541 2,564 3,638 2,277 4,248 3,712 1,919 2,200 842 121,088

19,624 25,448 34,444 42,460 54,797 66,389 75,553 84,309 89,869 93,262 96,147 99,688 102,252 105,890 108,167 112,415 116,127 118,046 120,246 121,088

16.21 16.21 4.81 21.02 7.43 28.45 6.62 35.07 10.19 45.25 9.57 54.83 7.57 62.40 7.23 69.63 4.59 74.22 2.80 77.02 2.38 79.40 2.92 82.33 2.12 84.44 3.00 87.45 1.88 89.33 3.51 92.84 3.07 95.90 1.58 97.49 1.82 99.30 0.70 100.00

58,025.06 (770.85) 2,830.63 3,687.60 8,649.63 10,914.18 11,807.33 15,229.07 13,011.36 9,633.65 10,502.68 15,533.50 13,888.39 23,578.05 18,542.34 50,421.42 58,157.18 29,867.09 41,011.21 57,878.17 452,397.68

58,025.06 57,254.21 60,084.84 63,772.44 72,422.07 83,336.25 95,143.58 110,372.65 123,384.01 133,017.66 143,520.34 159,053.84 172,942.23 196,520.28 215,062.62 265,484.05 323,641.22 353,508.31 394,519.52 452,397.68

12.83 12.83 (0.17) 12.66 0.63 13.28 0.82 14.10 1.91 16.01 2.41 18.42 2.61 21.03 3.37 24.40 2.88 27.27 2.13 29.40 2.32 31.72 3.43 35.16 3.07 38.23 5.21 43.44 4.10 47.54 11.15 58.68 12.86 71.54 6.60 78.14 9.07 87.21 12.79 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,038 97 294 180 328 224 238 303 207 158 127 210 218 221 164 651 831 767 1,430 1,251 8,937

1,038 1,135 1,429 1,609 1,937 2,161 2,399 2,702 2,909 3,067 3,194 3,404 3,622 3,843 4,007 4,658 5,489 6,256 7,686 8,937

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

11.61 11.61 101,137.45 101,137.45 1.09 12.70 3,870.60 105,008.05 3.29 15.99 1,903.19 106,911.25 2.01 18.00 3,593.89 110,505.14 3.67 21.67 5,241.99 115,747.13 2.51 24.18 4,123.97 119,871.10 2.66 26.84 7,286.66 127,157.76 3.39 30.23 21,740.94 148,898.70 2.32 32.55 8,966.23 157,864.93 1.77 34.32 10,424.64 168,289.57 1.42 35.74 5,096.13 173,385.70 2.35 38.09 10,954.82 184,340.52 2.44 40.53 10,330.30 194,670.82 2.47 43.00 19,726.23 214,397.05 1.84 44.84 7,185.72 221,582.76 7.28 52.12 68,182.80 289,765.57 9.30 61.42 84,882.17 374,647.74 8.58 70.00 44,434.79 419,082.53 16.00 86.00 165,299.42 584,381.95 14.00 100.00 238,945.00 823,326.95 823,326.95

12.28 12.28 174.30 0.47 12.75 (502.12) 0.23 12.99 67.24 0.44 13.42 97.46 0.64 14.06 60.60 0.50 14.56 37.79 0.89 15.44 61.71 2.64 18.09 142.76 1.09 19.17 68.91 1.27 20.44 108.21 0.62 21.06 48.52 1.33 22.39 70.52 1.25 23.64 74.38 2.40 26.04 83.66 0.87 26.91 38.75 8.28 35.19 135.23 10.31 45.50 145.95 5.40 50.90 148.78 20.08 70.98 403.06 29.02 100.00 412.84

174.30 183.41 177.93 173.28 159.82 143.84 133.65 134.91 127.95 126.52 120.81 115.90 112.56 109.10 103.03 109.15 115.76 118.55 148.12 181.99

181.99

Page 3 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

LOSS OF PROFIT (LOP) 2008 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 7 25 6 6 5 12 10 20 27 24 23 22 25 23 9 26 45 49 38 7 409

7 32 38 44 49 61 71 91 118 142 165 187 212 235 244 270 315 364 402 409

1.71 1.71 6.11 7.82 1.47 9.29 1.47 10.76 1.22 11.98 2.93 14.91 2.44 17.36 4.89 22.25 6.60 28.85 5.87 34.72 5.62 40.34 5.38 45.72 6.11 51.83 5.62 57.46 2.20 59.66 6.36 66.01 11.00 77.02 11.98 89.00 9.29 98.29 1.71 100.00

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 2 0 0 0 2 5 0 2 4 0 7 0 0 6 0 28

0 0 0 0 0 2 2 2 2 4 9 9 11 15 15 22 22 22 28 28

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.14 7.14 0.00 7.14 0.00 7.14 0.00 7.14 7.14 14.29 17.86 32.14 0.00 32.14 7.14 39.29 14.29 53.57 0.00 53.57 25.00 78.57 0.00 78.57 0.00 78.57 21.43 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 2.90 0.00 0.00 0.00 12.03 2,398.84 0.00 250.06 19.89 0.00 590.24 0.00 0.00 7.36 0.00 3,281.31

0.00 0.00 0.00 0.00 0.00 2.90 2.90 2.90 2.90 14.93 2,413.77 2,413.77 2,663.83 2,683.71 2,683.71 3,273.95 3,273.95 3,273.95 3,281.31 3,281.31

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.09 0.09 0.00 0.09 0.00 0.09 0.00 0.09 0.37 0.45 73.11 73.56 0.00 73.56 7.62 81.18 0.61 81.79 0.00 81.79 17.99 99.78 0.00 99.78 0.00 99.78 0.22 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 47.85 0.00 0.00 0.00 30.50 5,452.88 0.00 383.03 29.63 0.00 430.49 0.00 0.00 4.34 0.00

0.00 0.00 0.00 0.00 0.00 13.76 9.66 3.95 2.82 10.48 1,295.00 1,030.40 889.31 731.95 623.14 576.62 382.83 333.70 285.16 269.31

269.31

Page 4 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

EARTHQUAKE (EQ) 2008 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 11,003 3,532 5,408 4,152 5,489 3,996 3,391 3,651 2,559 1,593 1,431 1,929 1,439 2,084 1,400 2,795 2,528 1,308 1,692 644 62,024

11,003 14,535 19,943 24,095 29,584 33,580 36,971 40,622 43,181 44,774 46,205 48,134 49,573 51,657 53,057 55,852 58,380 59,688 61,380 62,024

17.74 17.74 5.69 23.43 8.72 32.15 6.69 38.85 8.85 47.70 6.44 54.14 5.47 59.61 5.89 65.49 4.13 69.62 2.57 72.19 2.31 74.50 3.11 77.61 2.32 79.93 3.36 83.29 2.26 85.54 4.51 90.05 4.08 94.12 2.11 96.23 2.73 98.96 1.04 100.00

21,784.48 2,623.41 1,533.63 1,686.67 3,012.35 3,412.50 3,591.28 5,839.81 5,212.60 4,122.99 4,223.37 6,453.05 5,487.15 10,690.91 9,159.67 27,097.20 35,357.58 27,029.94 41,423.75 73,143.13 292,885.48

21,784.48 24,407.89 25,941.52 27,628.19 30,640.54 34,053.04 37,644.32 43,484.13 48,696.73 52,819.72 57,043.09 63,496.14 68,983.30 79,674.21 88,833.87 115,931.07 151,288.65 178,318.59 219,742.34 292,885.48

7.44 7.44 0.90 8.33 0.52 8.86 0.58 9.43 1.03 10.46 1.17 11.63 1.23 12.85 1.99 14.85 1.78 16.63 1.41 18.03 1.44 19.48 2.20 21.68 1.87 23.55 3.65 27.20 3.13 30.33 9.25 39.58 12.07 51.65 9.23 60.88 14.14 75.03 24.97 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 46 31 69 77 98 86 39 47 55 34 21 53 46 35 45 40 64 28 12 13 939

46 77 146 223 321 407 446 493 548 582 603 656 702 737 782 822 886 914 926 939

4.90 4.90 3.30 8.20 7.35 15.55 8.20 23.75 10.44 34.19 9.16 43.34 4.15 47.50 5.01 52.50 5.86 58.36 3.62 61.98 2.24 64.22 5.64 69.86 4.90 74.76 3.73 78.49 4.79 83.28 4.26 87.54 6.82 94.36 2.98 97.34 1.28 98.62 1.38 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,495.79 404.29 494.14 1,869.98 6,490.39 4,311.05 3,269.87 6,616.02 7,465.45 6,445.32 634.02 7,228.14 7,529.18 1,697.65 4,524.12 19,132.58 96,433.00 9,613.16 66.45 7,750.58 193,471.17

1,495.79 1,900.08 2,394.22 4,264.19 10,754.58 15,065.63 18,335.50 24,951.52 32,416.97 38,862.30 39,496.31 46,724.46 54,253.64 55,951.28 60,475.41 79,607.98 176,040.98 185,654.14 185,720.59 193,471.17

0.77 0.77 0.21 0.98 0.26 1.24 0.97 2.20 3.35 5.56 2.23 7.79 1.69 9.48 3.42 12.90 3.86 16.76 3.33 20.09 0.33 20.41 3.74 24.15 3.89 28.04 0.88 28.92 2.34 31.26 9.89 41.15 49.84 90.99 4.97 95.96 0.03 95.99 4.01 100.00

6.87 6.87 15.41 7.78 32.22 9.23 110.87 15.43 215.46 35.10 126.33 44.24 91.05 48.71 113.29 57.38 143.22 66.57 156.33 73.58 15.01 69.24 112.01 73.59 137.21 78.65 15.88 70.23 49.39 68.08 70.61 68.67 272.74 116.36 35.56 104.11 0.16 84.52 10.60 66.06 66.06

Page 5 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ DATA POSITION FROM 2008 DATA POSITION TO 20 PROCESSING DATE Mining, Drilling, Installations, Salt Mines, Peat Extraction, Metallurgical Plants (Instalasi Pertambangan, Pengeboran, Tambang Garam (Mineral), Penggalian Tanah, Pabrik Pengolahan/Pengecoran Logam Logam)

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 216 56 46 41 71 34 37 60 47 46 25 49 41 45 48 81 101 79 98 98

1,319

216 272 318 359 430 464 501 561 608 654 679 728 769 814 862 943 1,044 1,123 1,221 1,319

16.38 16.38 4.25 20.62 3.49 24.11 3.11 27.22 5.38 32.60 2.58 35.18 2.81 37.98 4.55 42.53 3.56 46.10 3.49 49.58 1.90 51.48 3.71 55.19 3.11 58.30 3.41 61.71 3.64 65.35 6.14 71.49 7.66 79.15 5.99 85.14 7.43 92.57 7.43 100.00

1,190.60 36.35 11.80 22.33 54.19 57.45 85.92 168.40 133.57 156.82 134.65 143.12 289.33 329.38 494.77 1,172.67 1,610.05 1,080.95 1,346.58 3,022.83 11,541.75

1,190.60 1,226.94 1,238.74 1,261.07 1,315.27 1,372.72 1,458.64 1,627.04 1,760.61 1,917.43 2,052.08 2,195.20 2,484.52 2,813.90 3,308.67 4,481.34 6,091.39 7,172.34 8,518.92 11,541.75

10.32 10.32 0.31 10.63 0.10 10.73 0.19 10.93 0.47 11.40 0.50 11.89 0.74 12.64 1.46 14.10 1.16 15.25 1.36 16.61 1.17 17.78 1.24 19.02 2.51 21.53 2.85 24.38 4.29 28.67 10.16 38.83 13.95 52.78 9.37 62.14 11.67 73.81 26.19 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

40 0 0 0 0 0 0 0 0 0 3 0 0 4 0 2 10 2 16 108 185

40 40 40 40 40 40 40 40 40 40 43 43 43 47 47 49 59 61 77 185

21.62 21.62 0.00 21.62 0.00 21.62 0.00 21.62 0.00 21.62 0.00 21.62 0.00 21.62 0.00 21.62 0.00 21.62 0.00 21.62 1.62 23.24 0.00 23.24 0.00 23.24 2.16 25.41 0.00 25.41 1.08 26.49 5.41 31.89 1.08 32.97 8.65 41.62 58.38 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,141.54 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 0.00 616.55 3,031.82 5.57 446.34 5,226.03 10,532.25

1,141.54 1,141.54 1,141.54 1,141.54 1,141.54 1,141.54 1,141.54 1,141.54 1,141.54 1,141.54 1,204.63 1,204.63 1,204.63 1,205.94 1,205.94 1,822.49 4,854.31 4,859.88 5,306.22 10,532.25

10.84 10.84 95.88 0.00 10.84 0.00 0.00 10.84 0.00 0.00 10.84 0.00 0.00 10.84 0.00 0.00 10.84 0.00 0.00 10.84 0.00 0.00 10.84 0.00 0.00 10.84 0.00 0.00 10.84 0.00 0.60 11.44 46.85 0.00 11.44 0.00 0.00 11.44 0.00 0.01 11.45 0.40 0.00 11.45 0.00 5.85 17.30 52.58 28.79 46.09 188.31 0.05 46.14 0.52 4.24 50.38 33.15 49.62 100.00 172.89

95.88 93.04 92.15 90.52 86.79 83.16 78.26 70.16 64.84 59.54 58.70 54.88 48.49 42.86 36.45 40.67 79.69 67.76 62.29 91.25

91.25

Page 6 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2008 21 Stone, Earth, (Animal) Bones or Shells

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/12/2011 15/04/2012

(Batuan, Tanah, Tulang/Rangka Hewan)

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 ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 310 104 115 79 120 100 73 115 91 59 48 68 48 100 49 127 194 88 151 66

2,105

310 414 529 608 728 828 901 1,016 1,107 1,166 1,214 1,282 1,330 1,430 1,479 1,606 1,800 1,888 2,039 2,105

14.73 14.73 4.94 19.67 5.46 25.13 3.75 28.88 5.70 34.58 4.75 39.33 3.47 42.80 5.46 48.27 4.32 52.59 2.80 55.39 2.28 57.67 3.23 60.90 2.28 63.18 4.75 67.93 2.33 70.26 6.03 76.29 9.22 85.51 4.18 89.69 7.17 96.86 3.14 100.00

600.95 25.14 53.60 58.74 108.42 110.57 96.55 208.61 241.34 178.51 186.63 300.45 296.24 548.13 475.80 1,218.38 1,689.02 1,383.26 1,436.39 2,910.45 12,127.18

600.95 626.09 679.69 738.42 846.84 957.41 1,053.96 1,262.57 1,503.91 1,682.43 1,869.06 2,169.50 2,465.75 3,013.88 3,489.68 4,708.06 6,397.08 7,780.33 9,216.72 12,127.18

4.96 4.96 0.21 5.16 0.44 5.60 0.48 6.09 0.89 6.98 0.91 7.89 0.80 8.69 1.72 10.41 1.99 12.40 1.47 13.87 1.54 15.41 2.48 17.89 2.44 20.33 4.52 24.85 3.92 28.78 10.05 38.82 13.93 52.75 11.41 64.16 11.84 76.00 24.00 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 6 0 0 0 0 0 4 2 0 6 5 4 2 0 10 14 24 22 46 47

192

6 6 6 6 6 6 10 12 12 18 23 27 29 29 39 53 77 99 145 192

3.13 3.13 0.00 3.13 0.00 3.13 0.00 3.13 0.00 3.13 0.00 3.13 2.08 5.21 1.04 6.25 0.00 6.25 3.13 9.38 2.60 11.98 2.08 14.06 1.04 15.10 0.00 15.10 5.21 20.31 7.29 27.60 12.50 40.10 11.46 51.56 23.96 75.52 24.48 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 69.55 0.00 0.00 0.00 0.00 0.00 16.30 119.64 0.00 146.39 7.64 74.31 32.65 0.00 3,889.86 6,122.69 7,422.52 772.27 2,445.10 22,886.83 44,005.74

69.55 69.55 69.55 69.55 69.55 69.55 85.85 205.49 205.49 351.87 359.51 433.82 466.47 466.47 4,356.33 10,479.02 17,901.54 18,673.81 21,118.91 44,005.74

0.16 0.16 0.00 0.16 0.00 0.16 0.00 0.16 0.00 0.16 0.00 0.16 0.04 0.20 0.27 0.47 0.00 0.47 0.33 0.80 0.02 0.82 0.17 0.99 0.07 1.06 0.00 1.06 8.84 9.90 13.91 23.81 16.87 40.68 1.75 42.43 5.56 47.99 52.01 100.00

11.57 0.00 0.00 0.00 0.00 0.00 16.88 57.35 0.00 82.00 4.09 24.73 11.02 0.00 817.55 502.53 439.46 55.83 170.22 786.37

11.57 11.11 10.23 9.42 8.21 7.26 8.15 16.28 13.66 20.91 19.23 20.00 18.92 15.48 124.83 222.58 279.84 240.01 229.14 362.87

362.87

Page 7 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 22 Metals (Logam)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/12/2011 15/04/2012

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM.

LOSS RATIO PERCENTAGE BAND CUM.

1,030 257 400 319 547 392 398 502 365 277 263 366 295 492 299 662 705 381 564 366

116 0 2 4 2 0 3 5 4 2 2 5 8 21 8 42 57 57 84 106

13,890.52 0.00 11.83 41.47 12.93 0.00 16.72 741.24 10.79 0.00 13.25 1,976.21 3,228.69 13,820.02 72.65 6,633.31 15,585.84 2,726.65 3,270.85 30,599.63

288.49 0.00 8.31 25.87 2.88 0.00 3.05 74.90 1.29 0.00 1.65 138.32 233.23 442.60 3.41 88.74 105.45 52.33 40.15 1,230.21

8,880

1,030 1,287 1,687 2,006 2,553 2,945 3,343 3,845 4,210 4,487 4,750 5,116 5,411 5,903 6,202 6,864 7,569 7,950 8,514 8,880

11.60 11.60 2.89 14.49 4.50 19.00 3.59 22.59 6.16 28.75 4.41 33.16 4.48 37.65 5.65 43.30 4.11 47.41 3.12 50.53 2.96 53.49 4.12 57.61 3.32 60.93 5.54 66.48 3.37 69.84 7.45 77.30 7.94 85.24 4.29 89.53 6.35 95.88 4.12 100.00

4,814.97 140.04 142.35 160.35 448.69 1,430.16 547.83 989.60 837.00 707.58 803.57 1,428.71 1,384.33 3,122.47 2,128.88 7,475.26 14,780.20 5,210.95 8,146.59 2,487.36 57,186.87

4,814.97 4,955.00 5,097.35 5,257.70 5,706.39 7,136.55 7,684.38 8,673.98 9,510.98 10,218.56 11,022.12 12,450.84 13,835.17 16,957.63 19,086.51 26,561.77 41,341.98 46,552.93 54,699.51 57,186.87

8.42 8.42 0.24 8.66 0.25 8.91 0.28 9.19 0.78 9.98 2.50 12.48 0.96 13.44 1.73 15.17 1.46 16.63 1.24 17.87 1.41 19.27 2.50 21.77 2.42 24.19 5.46 29.65 3.72 33.38 13.07 46.45 25.85 72.29 9.11 81.40 14.25 95.65 4.35 100.00

528

116 116 118 122 124 124 127 132 136 138 140 145 153 174 182 224 281 338 422 528

21.97 21.97 0.00 21.97 0.38 22.35 0.76 23.11 0.38 23.48 0.00 23.48 0.57 24.05 0.95 25.00 0.76 25.76 0.38 26.14 0.38 26.52 0.95 27.46 1.52 28.98 3.98 32.95 1.52 34.47 7.95 42.42 10.80 53.22 10.80 64.02 15.91 79.92 20.08 100.00

92,652.60

13,890.52 13,890.52 13,902.35 13,943.83 13,956.75 13,956.75 13,973.47 14,714.71 14,725.49 14,725.49 14,738.74 16,714.95 19,943.64 33,763.66 33,836.31 40,469.62 56,055.47 58,782.12 62,052.97 92,652.60

14.99 14.99 0.00 14.99 0.01 15.00 0.04 15.05 0.01 15.06 0.00 15.06 0.02 15.08 0.80 15.88 0.01 15.89 0.00 15.89 0.01 15.91 2.13 18.04 3.48 21.53 14.92 36.44 0.08 36.52 7.16 43.68 16.82 60.50 2.94 63.44 3.53 66.97 33.03 100.00

288.49 280.33 272.74 265.21 244.58 195.57 181.84 169.64 154.83 144.11 133.72 134.25 144.15 199.11 177.28 152.36 135.59 126.27 113.44 162.02

162.02

Page 8 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 23 Chemical / Oil / Gas (Kimia / Minyak / Gas)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

1,149 214 324 332 604 616 616 727 558 405 401 543 419 647 475 993 902 479 515 275 11,194

1,149 1,363 1,687 2,019 2,623 3,239 3,855 4,582 5,140 5,545 5,946 6,489 6,908 7,555 8,030 9,023 9,925 10,404 10,919 11,194

10.26 10.26 1.91 12.18 2.89 15.07 2.97 18.04 5.40 23.43 5.50 28.94 5.50 34.44 6.49 40.93 4.98 45.92 3.62 49.54 3.58 53.12 4.85 57.97 3.74 61.71 5.78 67.49 4.24 71.73 8.87 80.61 8.06 88.66 4.28 92.94 4.60 97.54 2.46 100.00

7,718.46 348.72 293.57 366.95 690.81 989.02 1,419.89 2,319.10 2,177.08 1,493.88 1,945.59 3,118.34 2,747.10 5,513.87 5,033.20 12,102.31 14,462.04 9,906.14 8,323.66 5,170.92 86,140.65

7,718.46 8,067.18 8,360.75 8,727.70 9,418.51 10,407.53 11,827.42 14,146.52 16,323.60 17,817.48 19,763.07 22,881.41 25,628.51 31,142.38 36,175.58 48,277.89 62,739.93 72,646.07 80,969.73 86,140.65

8.96 8.96 0.40 9.37 0.34 9.71 0.43 10.13 0.80 10.93 1.15 12.08 1.65 13.73 2.69 16.42 2.53 18.95 1.73 20.68 2.26 22.94 3.62 26.56 3.19 29.75 6.40 36.15 5.84 42.00 14.05 56.05 16.79 72.83 11.50 84.33 9.66 94.00 6.00 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

112 4 17 2 9 14 23 19 6 25 26 20 20 30 37 56 81 91 168 29 789

112 116 133 135 144 158 181 200 206 231 257 277 297 327 364 420 501 592 760 789

14.20 14.20 0.51 14.70 2.15 16.86 0.25 17.11 1.14 18.25 1.77 20.03 2.92 22.94 2.41 25.35 0.76 26.11 3.17 29.28 3.30 32.57 2.53 35.11 2.53 37.64 3.80 41.44 4.69 46.13 7.10 53.23 10.27 63.50 11.53 75.03 21.29 96.32 3.68 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 15,842.48 8.40 487.71 1.84 251.59 213.61 3,802.51 765.70 1,574.54 4,429.38 1,303.03 649.38 2,011.99 4,284.80 748.24 1,329.88 2,934.97 12,566.84 17,426.19 1,325.12 71,958.20

15,842.48 15,850.88 16,338.59 16,340.43 16,592.01 16,805.62 20,608.13 21,373.83 22,948.37 27,377.75 28,680.78 29,330.17 31,342.15 35,626.96 36,375.19 37,705.07 40,640.04 53,206.88 70,633.07 71,958.20

22.02 22.02 0.01 22.03 0.68 22.71 0.00 22.71 0.35 23.06 0.30 23.35 5.28 28.64 1.06 29.70 2.19 31.89 6.16 38.05 1.81 39.86 0.90 40.76 2.80 43.56 5.95 49.51 1.04 50.55 1.85 52.40 4.08 56.48 17.46 73.94 24.22 98.16 1.84 100.00

205.25 2.41 166.13 0.50 36.42 21.60 267.80 33.02 72.32 296.50 66.97 20.82 73.24 77.71 14.87 10.99 20.29 126.86 209.36 25.63

205.25 196.49 195.42 187.22 176.16 161.48 174.24 151.09 140.58 153.66 145.12 128.18 122.29 114.40 100.55 78.10 64.78 73.24 87.23 83.54

83.54

Page 9 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 24 Textiles (Tekstil)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

1,371 813 1,497 1,290 1,754 1,112 905 877 602 418 333 440 288 455 312 700 663 364 695 191 15,080

1,371 2,184 3,681 4,971 6,725 7,837 8,742 9,619 10,221 10,639 10,972 11,412 11,700 12,155 12,467 13,167 13,830 14,194 14,889 15,080

9.09 9.09 5.39 14.48 9.93 24.41 8.55 32.96 11.63 44.60 7.37 51.97 6.00 57.97 5.82 63.79 3.99 67.78 2.77 70.55 2.21 72.76 2.92 75.68 1.91 77.59 3.02 80.60 2.07 82.67 4.64 87.31 4.40 91.71 2.41 94.12 4.61 98.73 1.27 100.00

6,143.02 385.40 1,242.86 1,178.20 2,508.89 2,087.23 2,461.75 2,836.10 2,340.36 1,782.62 1,921.00 2,612.06 1,913.78 3,782.54 3,147.71 8,962.54 12,629.41 5,931.65 8,144.28 4,550.67 76,562.07

6,143.02 6,528.42 7,771.28 8,949.48 11,458.37 13,545.60 16,007.35 18,843.44 21,183.80 22,966.42 24,887.42 27,499.48 29,413.26 33,195.80 36,343.51 45,306.05 57,935.46 63,867.11 72,011.40 76,562.07

8.02 8.02 0.50 8.53 1.62 10.15 1.54 11.69 3.28 14.97 2.73 17.69 3.22 20.91 3.70 24.61 3.06 27.67 2.33 30.00 2.51 32.51 3.41 35.92 2.50 38.42 4.94 43.36 4.11 47.47 11.71 59.18 16.50 75.67 7.75 83.42 10.64 94.06 5.94 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

101 14 0 4 12 6 3 16 10 13 17 22 19 24 20 64 175 185 260 83 1,048

101 115 115 119 131 137 140 156 166 179 196 218 237 261 281 345 520 705 965 1,048

9.64 9.64 1.34 10.97 0.00 10.97 0.38 11.35 1.15 12.50 0.57 13.07 0.29 13.36 1.53 14.89 0.95 15.84 1.24 17.08 1.62 18.70 2.10 20.80 1.81 22.61 2.29 24.90 1.91 26.81 6.11 32.92 16.70 49.62 17.65 67.27 24.81 92.08 7.92 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 3,928.76 3,928.76 787.35 4,716.12 0.00 4,716.12 81.94 4,798.06 665.36 5,463.42 387.97 5,851.39 6.40 5,857.79 417.65 6,275.44 527.29 6,802.73 139.22 6,941.95 1,377.60 8,319.56 1,003.24 9,322.79 378.67 9,701.46 456.90 10,158.36 860.53 11,018.90 15,790.32 26,809.22 38,713.51 65,522.73 6,119.19 71,641.92 26,654.59 98,296.51 33,961.54 132,258.05 132,258.05

2.97 2.97 0.60 3.57 0.00 3.57 0.06 3.63 0.50 4.13 0.29 4.42 0.00 4.43 0.32 4.74 0.40 5.14 0.11 5.25 1.04 6.29 0.76 7.05 0.29 7.34 0.35 7.68 0.65 8.33 11.94 20.27 29.27 49.54 4.63 54.17 20.15 74.32 25.68 100.00

63.95 204.30 0.00 6.96 26.52 18.59 0.26 14.73 22.53 7.81 71.71 38.41 19.79 12.08 27.34 176.18 306.53 103.16 327.28 746.30

63.95 72.24 60.69 53.61 47.68 43.20 36.59 33.30 32.11 30.23 33.43 33.90 32.98 30.60 30.32 59.17 113.10 112.17 136.50 172.75

172.75

Page 10 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 25 Paper, Leather and Rubber (Kertas, Kulit dan Karet)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

1,071 493 811 735 1,022 707 596 692 495 354 282 367 270 404 261 520 495 305 371 121 10,372

1,071 1,564 2,375 3,110 4,132 4,839 5,435 6,127 6,622 6,976 7,258 7,625 7,895 8,299 8,560 9,080 9,575 9,880 10,251 10,372

10.33 10.33 4.75 15.08 7.82 22.90 7.09 29.98 9.85 39.84 6.82 46.65 5.75 52.40 6.67 59.07 4.77 63.84 3.41 67.26 2.72 69.98 3.54 73.52 2.60 76.12 3.90 80.01 2.52 82.53 5.01 87.54 4.77 92.32 2.94 95.26 3.58 98.83 1.17 100.00

5,117.78 336.45 739.81 727.22 1,492.37 1,599.39 1,740.32 2,691.39 2,272.39 1,919.44 1,756.09 2,846.74 2,036.31 4,018.22 3,333.75 8,312.48 13,698.94 7,038.44 7,578.06 8,276.05 77,531.61

5,117.78 5,454.23 6,194.03 6,921.25 8,413.63 10,013.01 11,753.33 14,444.72 16,717.11 18,636.54 20,392.63 23,239.37 25,275.67 29,293.89 32,627.64 40,940.12 54,639.06 61,677.50 69,255.56 77,531.61

6.60 6.60 0.43 7.03 0.95 7.99 0.94 8.93 1.92 10.85 2.06 12.91 2.24 15.16 3.47 18.63 2.93 21.56 2.48 24.04 2.26 26.30 3.67 29.97 2.63 32.60 5.18 37.78 4.30 42.08 10.72 52.80 17.67 70.47 9.08 79.55 9.77 89.33 10.67 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 74 2 30 8 2 26 12 8 4 12 20 18 20 14 12 51 95 56 63 28

555

74 76 106 114 116 142 154 162 166 178 198 216 236 250 262 313 408 464 527 555

13.33 13.33 0.36 13.69 5.41 19.10 1.44 20.54 0.36 20.90 4.68 25.59 2.16 27.75 1.44 29.19 0.72 29.91 2.16 32.07 3.60 35.68 3.24 38.92 3.60 42.52 2.52 45.05 2.16 47.21 9.19 56.40 17.12 73.51 10.09 83.60 11.35 94.95 5.05 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 18,010.45 6.75 160.51 423.85 6.00 78.83 1,212.00 237.64 1,684.29 196.74 8,306.51 1,214.51 9,809.38 8,781.55 507.97 27,631.11 22,830.68 5,441.50 15,576.31 9,512.58 131,629.15

18,010.45 18,017.20 18,177.71 18,601.56 18,607.56 18,686.39 19,898.39 20,136.02 21,820.31 22,017.05 30,323.55 31,538.06 41,347.44 50,129.00 50,636.96 78,268.07 101,098.75 106,540.25 122,116.56 131,629.15

13.68 13.68 0.01 13.69 0.12 13.81 0.32 14.13 0.00 14.14 0.06 14.20 0.92 15.12 0.18 15.30 1.28 16.58 0.15 16.73 6.31 23.04 0.92 23.96 7.45 31.41 6.67 38.08 0.39 38.47 20.99 59.46 17.34 76.81 4.13 80.94 11.83 92.77 7.23 100.00

351.92 2.01 21.70 58.28 0.40 4.93 69.64 8.83 74.12 10.25 473.01 42.66 481.72 218.54 15.24 332.41 166.66 77.31 205.54 114.94

351.92 330.33 293.47 268.76 221.16 186.62 169.30 139.40 130.53 118.14 148.70 135.71 163.59 171.12 155.20 191.18 185.03 172.74 176.33 169.77

169.77

Page 11 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2008 26

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/12/2011 15/04/2012

Wood, Bamboo and Rattan (Kayu, Bambu dan Rotan)

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 ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 995 599 697 504 600 441 382 438 349 283 225 260 185 345 241 394 409 237 300 61

7,945

995 1,594 2,291 2,795 3,395 3,836 4,218 4,656 5,005 5,288 5,513 5,773 5,958 6,303 6,544 6,938 7,347 7,584 7,884 7,945

12.52 12.52 7.54 20.06 8.77 28.84 6.34 35.18 7.55 42.73 5.55 48.28 4.81 53.09 5.51 58.60 4.39 63.00 3.56 66.56 2.83 69.39 3.27 72.66 2.33 74.99 4.34 79.33 3.03 82.37 4.96 87.33 5.15 92.47 2.98 95.46 3.78 99.23 0.77 100.00

4,646.34 527.11 888.47 1,008.96 1,657.28 1,735.77 1,753.97 2,894.66 2,750.42 2,253.84 2,318.78 3,016.59 2,624.45 5,674.81 5,196.87 11,170.70 10,806.67 6,675.47 6,442.29 4,553.90 78,597.36

4,646.34 5,173.45 6,061.92 7,070.88 8,728.16 10,463.93 12,217.89 15,112.55 17,862.98 20,116.82 22,435.60 25,452.19 28,076.64 33,751.44 38,948.32 50,119.02 60,925.69 67,601.17 74,043.46 78,597.36

5.91 5.91 0.67 6.58 1.13 7.71 1.28 9.00 2.11 11.10 2.21 13.31 2.23 15.54 3.68 19.23 3.50 22.73 2.87 25.59 2.95 28.54 3.84 32.38 3.34 35.72 7.22 42.94 6.61 49.55 14.21 63.77 13.75 77.52 8.49 86.01 8.20 94.21 5.79 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 31 0 11 4 7 0 12 14 1 7 4 11 7 35 35 77 88 29 39 4

416

31 31 42 46 53 53 65 79 80 87 91 102 109 144 179 256 344 373 412 416

7.45 7.45 0.00 7.45 2.64 10.10 0.96 11.06 1.68 12.74 0.00 12.74 2.88 15.63 3.37 18.99 0.24 19.23 1.68 20.91 0.96 21.88 2.64 24.52 1.68 26.20 8.41 34.62 8.41 43.03 18.51 61.54 21.15 82.69 6.97 89.66 9.38 99.04 0.96 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,775.74 2,775.74 0.00 2,775.74 7,305.94 10,081.69 6.73 10,088.42 899.84 10,988.26 0.00 10,988.26 1,751.59 12,739.85 2,254.07 14,993.92 0.00 14,993.92 121.63 15,115.55 184.07 15,299.63 3,466.77 18,766.39 2,512.36 21,278.75 8,205.10 29,483.85 8,403.64 37,887.49 33,219.29 71,106.79 25,566.19 96,672.98 5,593.31 102,266.29 1,789.44 104,055.73 268.25 104,323.98 104,323.98

2.66 2.66 0.00 2.66 7.00 9.66 0.01 9.67 0.86 10.53 0.00 10.53 1.68 12.21 2.16 14.37 0.00 14.37 0.12 14.49 0.18 14.67 3.32 17.99 2.41 20.40 7.87 28.26 8.06 36.32 31.84 68.16 24.51 92.67 5.36 98.03 1.72 99.74 0.26 100.00

59.74 0.00 822.30 0.67 54.30 0.00 99.86 77.87 0.00 5.40 7.94 114.92 95.73 144.59 161.71 297.38 236.58 83.79 27.78 5.89

59.74 53.65 166.31 142.68 125.89 105.01 104.27 99.21 83.94 75.14 68.19 73.73 75.79 87.36 97.28 141.88 158.67 151.28 140.53 132.73

132.73

Page 12 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 27 Nutritional, Drinks and Tobacco (Makanan, Minuman dan Tembakau)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

4,843 2,353 2,539 1,833 2,147 1,409 1,076 1,207 882 752 546 774 651 1,065 765 1,649 1,771 873 968 342 28,445

4,843 7,196 9,735 11,568 13,715 15,124 16,200 17,407 18,289 19,041 19,587 20,361 21,012 22,077 22,842 24,491 26,262 27,135 28,103 28,445

17.03 17.03 8.27 25.30 8.93 34.22 6.44 40.67 7.55 48.22 4.95 53.17 3.78 56.95 4.24 61.20 3.10 64.30 2.64 66.94 1.92 68.86 2.72 71.58 2.29 73.87 3.74 77.61 2.69 80.30 5.80 86.10 6.23 92.33 3.07 95.39 3.40 98.80 1.20 100.00

9,187.45 140.05 966.48 974.58 1,841.15 2,603.44 1,946.50 2,543.08 2,111.06 1,855.85 2,438.71 2,924.69 3,141.65 6,022.62 5,407.81 14,091.06 16,868.77 8,651.89 7,867.11 3,973.65 95,557.58

9,187.45 9,327.50 10,293.99 11,268.56 13,109.72 15,713.15 17,659.65 20,202.73 22,313.79 24,169.64 26,608.34 29,533.03 32,674.68 38,697.30 44,105.11 58,196.17 75,064.93 83,716.82 91,583.93 95,557.58

9.61 9.61 0.15 9.76 1.01 10.77 1.02 11.79 1.93 13.72 2.72 16.44 2.04 18.48 2.66 21.14 2.21 23.35 1.94 25.29 2.55 27.85 3.06 30.91 3.29 34.19 6.30 40.50 5.66 46.16 14.75 60.90 17.65 78.55 9.05 87.61 8.23 95.84 4.16 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

292 20 8 8 48 82 60 98 28 57 24 43 45 61 49 301 324 164 258 120 2,090

292 312 320 328 376 458 518 616 644 701 725 768 813 874 923 1,224 1,548 1,712 1,970 2,090

13.97 13.97 0.96 14.93 0.38 15.31 0.38 15.69 2.30 17.99 3.92 21.91 2.87 24.78 4.69 29.47 1.34 30.81 2.73 33.54 1.15 34.69 2.06 36.75 2.15 38.90 2.92 41.82 2.34 44.16 14.40 58.56 15.50 74.07 7.85 81.91 12.34 94.26 5.74 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 6,509.98 6,509.98 79.26 6,589.24 59.48 6,648.72 11.86 6,660.58 1,648.52 8,309.11 1,364.00 9,673.10 1,873.91 11,547.01 3,160.60 14,707.62 881.40 15,589.02 2,169.09 17,758.10 1,563.82 19,321.92 1,927.34 21,249.26 5,349.46 26,598.72 2,908.68 29,507.40 6,503.97 36,011.37 14,763.75 50,775.12 19,661.07 70,436.19 8,261.51 78,697.70 11,974.42 90,672.12 12,261.01 102,933.13 102,933.13

6.32 6.32 0.08 6.40 0.06 6.46 0.01 6.47 1.60 8.07 1.33 9.40 1.82 11.22 3.07 14.29 0.86 15.14 2.11 17.25 1.52 18.77 1.87 20.64 5.20 25.84 2.83 28.67 6.32 34.99 14.34 49.33 19.10 68.43 8.03 76.46 11.63 88.09 11.91 100.00

70.86 70.86 56.59 70.64 6.15 64.59 1.22 59.11 89.54 63.38 52.39 61.56 96.27 65.39 124.28 72.80 41.75 69.86 116.88 73.47 64.12 72.62 65.90 71.95 170.28 81.40 48.30 76.25 120.27 81.65 104.77 87.25 116.55 93.83 95.49 94.00 152.21 99.00 308.56 107.72 107.72

Page 13 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 28 Power and Heating (Pembangkit Tenaga dan Pemanas)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

76 78 14 112 566 2,492 749 294 9 23 8 17 11 45 13 55 74 84 117 133 4,970

76 154 168 280 846 3,338 4,087 4,381 4,390 4,413 4,421 4,438 4,449 4,494 4,507 4,562 4,636 4,720 4,837 4,970

1.53 1.53 1.57 3.10 0.28 3.38 2.25 5.63 11.39 17.02 50.14 67.16 15.07 82.23 5.92 88.15 0.18 88.33 0.46 88.79 0.16 88.95 0.34 89.30 0.22 89.52 0.91 90.42 0.26 90.68 1.11 91.79 1.49 93.28 1.69 94.97 2.35 97.32 2.68 100.00

786.30 118.33 11.90 9.63 11.89 7.76 34.74 68.74 17.48 34.48 16.33 89.12 15.94 254.73 126.83 619.11 1,177.60 741.32 1,605.73 2,017.63 7,765.60

786.30 904.63 916.53 926.16 938.05 945.81 980.55 1,049.29 1,066.78 1,101.26 1,117.59 1,206.71 1,222.66 1,477.39 1,604.21 2,223.32 3,400.92 4,142.24 5,747.96 7,765.60

10.13 10.13 1.52 11.65 0.15 11.80 0.12 11.93 0.15 12.08 0.10 12.18 0.45 12.63 0.89 13.51 0.23 13.74 0.44 14.18 0.21 14.39 1.15 15.54 0.21 15.74 3.28 19.02 1.63 20.66 7.97 28.63 15.16 43.79 9.55 53.34 20.68 74.02 25.98 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 4 0 0 0 0 0 12 2 0 0 0 0 0 0 2 6 2 15 21 33 97

4 4 4 4 4 4 16 18 18 18 18 18 18 18 20 26 28 43 64 97

4.12 4.12 0.00 4.12 0.00 4.12 0.00 4.12 0.00 4.12 0.00 4.12 12.37 16.49 2.06 18.56 0.00 18.56 0.00 18.56 0.00 18.56 0.00 18.56 0.00 18.56 0.00 18.56 2.06 20.62 6.19 26.80 2.06 28.87 15.46 44.33 21.65 65.98 34.02 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 157.05 0.00 0.00 0.00 0.00 0.00 305.27 4.15 0.00 0.00 0.00 0.00 0.00 0.00 256.25 441.24 10.62 73.87 14,474.51 9,041.45 24,764.41

157.05 157.05 157.05 157.05 157.05 157.05 462.32 466.47 466.47 466.47 466.47 466.47 466.47 466.47 722.72 1,163.96 1,174.58 1,248.45 15,722.96 24,764.41

0.63 0.63 0.00 0.63 0.00 0.63 0.00 0.63 0.00 0.63 0.00 0.63 1.23 1.87 0.02 1.88 0.00 1.88 0.00 1.88 0.00 1.88 0.00 1.88 0.00 1.88 0.00 1.88 1.03 2.92 1.78 4.70 0.04 4.74 0.30 5.04 58.45 63.49 36.51 100.00

19.97 19.97 0.00 17.36 0.00 17.14 0.00 16.96 0.00 16.74 0.00 16.61 878.72 47.15 6.03 44.46 0.00 43.73 0.00 42.36 0.00 41.74 0.00 38.66 0.00 38.15 0.00 31.57 202.05 45.05 71.27 52.35 0.90 34.54 9.96 30.14 901.43 273.54 448.12 318.90 318.90

Page 14 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 29 Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotels, Entertainment, Sports and Services, The Caring Services, Motor Vehicle Repair Shops, Private Buildings, Property of Public Bodies (Transportasi dan Lalu lintas, Perusahaan Konstruksi, Komunikasi Masa Perdagangan dan Penyimpanan, Sarana Olah RagaHotel dan Pusat Hiburan, Pelayanan Perawatan, Tempat Reparasi Kendaraan Bermotor, Bangunan Pribadi, Bangunan Umum) NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 152,788 148,258 185,855 115,970 126,706 64,862 45,356 35,394 19,562 10,339 7,990 9,112 5,853 7,035 4,034 5,947 4,121 1,639 2,153 637 953,611

152,788 301,046 486,901 602,871 729,577 794,439 839,795 875,189 894,751 905,090 913,080 922,192 928,045 935,080 939,114 945,061 949,182 950,821 952,974 953,611

16.02 16.02 15.55 31.57 19.49 51.06 12.16 63.22 13.29 76.51 6.80 83.31 4.76 88.06 3.71 91.78 2.05 93.83 1.08 94.91 0.84 95.75 0.96 96.71 0.61 97.32 0.74 98.06 0.42 98.48 0.62 99.10 0.43 99.54 0.17 99.71 0.23 99.93 0.07 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 93,773.42 35,203.92 71,422.34 69,491.19 118,255.48 86,733.99 80,849.60 82,325.53 58,725.32 36,986.18 33,607.73 44,111.94 34,284.78 47,272.46 32,407.61 67,261.51 55,706.20 28,947.61 43,376.00 103,801.79 1,224,544.59

93,773.42 128,977.34 200,399.68 269,890.87 388,146.35 474,880.34 555,729.94 638,055.48 696,780.79 733,766.97 767,374.70 811,486.64 845,771.42 893,043.88 925,451.49 992,713.01 1,048,419.20 1,077,366.81 1,120,742.81 1,224,544.59

7.66 7.66 2.87 10.53 5.83 16.37 5.67 22.04 9.66 31.70 7.08 38.78 6.60 45.38 6.72 52.11 4.80 56.90 3.02 59.92 2.74 62.67 3.60 66.27 2.80 69.07 3.86 72.93 2.65 75.58 5.49 81.07 4.55 85.62 2.36 87.98 3.54 91.52 8.48 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,094 399 788 516 749 488 411 424 368 212 178 265 246 246 159 514 547 338 855 825 9,622

1,094 1,493 2,281 2,797 3,546 4,034 4,445 4,869 5,237 5,449 5,627 5,892 6,138 6,384 6,543 7,057 7,604 7,942 8,797 9,622

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

11.37 11.37 88,359.89 88,359.89 4.15 15.52 10,206.46 98,566.35 8.19 23.71 15,079.82 113,646.17 5.36 29.07 15,085.47 128,731.64 7.78 36.85 36,380.77 165,112.40 5.07 41.92 24,120.65 189,233.05 4.27 46.20 20,494.27 209,727.32 4.41 50.60 43,840.93 253,568.25 3.82 54.43 23,635.86 277,204.10 2.20 56.63 24,953.36 302,157.46 1.85 58.48 6,204.64 308,362.10 2.75 61.23 29,388.75 337,750.85 2.56 63.79 20,683.86 358,434.72 2.56 66.35 9,192.97 367,627.69 1.65 68.00 11,182.56 378,810.25 5.34 73.34 86,103.03 464,913.28 5.68 79.03 109,730.94 574,644.22 3.51 82.54 35,630.62 610,274.84 8.89 91.43 96,863.51 707,138.34 8.57 100.00 136,228.42 843,366.76 843,366.76

10.48 10.48 1.21 11.69 1.79 13.48 1.79 15.26 4.31 19.58 2.86 22.44 2.43 24.87 5.20 30.07 2.80 32.87 2.96 35.83 0.74 36.56 3.48 40.05 2.45 42.50 1.09 43.59 1.33 44.92 10.21 55.13 13.01 68.14 4.22 72.36 11.49 83.85 16.15 100.00

94.23 28.99 21.11 21.71 30.76 27.81 25.35 53.25 40.25 67.47 18.46 66.62 60.33 19.45 34.51 128.01 196.98 123.09 223.31 131.24

94.23 76.42 56.71 47.70 42.54 39.85 37.74 39.74 39.78 41.18 40.18 41.62 42.38 41.17 40.93 46.83 54.81 56.65 63.10 68.87

68.87

Page 15 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 30 Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 90 11 16 12 11 19 8 6 7 6 1 4 6 4 1 6 5 1 1 0 215

90 101 117 129 140 159 167 173 180 186 187 191 197 201 202 208 213 214 215 215

41.86 41.86 5.12 46.98 7.44 54.42 5.58 60.00 5.12 65.12 8.84 73.95 3.72 77.67 2.79 80.47 3.26 83.72 2.79 86.51 0.47 86.98 1.86 88.84 2.79 91.63 1.86 93.49 0.47 93.95 2.79 96.74 2.33 99.07 0.47 99.53 0.47 100.00 0.00 100.00

61.65 4.89 20.47 36.45 54.59 36.60 31.63 35.22 22.34 41.84 11.83 71.36 86.83 62.47 19.43 189.01 75.69 424.33 543.29 0.00 1,829.92

61.65 66.54 87.01 123.47 178.06 214.66 246.29 281.51 303.85 345.69 357.52 428.88 515.71 578.18 597.60 786.62 862.31 1,286.63 1,829.92 1,829.92

3.37 3.37 0.27 3.64 1.12 4.75 1.99 6.75 2.98 9.73 2.00 11.73 1.73 13.46 1.92 15.38 1.22 16.60 2.29 18.89 0.65 19.54 3.90 23.44 4.74 28.18 3.41 31.60 1.06 32.66 10.33 42.99 4.14 47.12 23.19 70.31 29.69 100.00 0.00 100.00

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

4 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7

57.14 42.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

57.14 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. 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 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35

26.87 73.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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

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 1.48 1.23 1.10 1.06 0.81 0.74 0.49 0.35 0.35

0.35

Page 16 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 31 Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 67 39 23 13 37 19 26 31 22 8 9 33 9 37 16 41 75 62 54 16 637

67 106 129 142 179 198 224 255 277 285 294 327 336 373 389 430 505 567 621 637

10.52 10.52 6.12 16.64 3.61 20.25 2.04 22.29 5.81 28.10 2.98 31.08 4.08 35.16 4.87 40.03 3.45 43.49 1.26 44.74 1.41 46.15 5.18 51.33 1.41 52.75 5.81 58.56 2.51 61.07 6.44 67.50 11.77 79.28 9.73 89.01 8.48 97.49 2.51 100.00

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 6,428.86 1,934.83 14,521.60

172.60 1.19 1.19 (1,323.24) (10.30) (9.11) (1,305.01) 0.13 (8.99) (1,296.77) 0.06 (8.93) (1,264.35) 0.22 (8.71) (1,240.08) 0.17 (8.54) (1,164.71) 0.52 (8.02) (875.08) 1.99 (6.03) (802.01) 0.50 (5.52) (772.56) 0.20 (5.32) (709.23) 0.44 (4.88) (552.68) 1.08 (3.81) (519.90) 0.23 (3.58) (180.63) 2.34 (1.24) 2.77 1.26 0.02 1,766.67 12.15 12.17 3,495.52 11.91 24.07 6,157.92 18.33 42.41 12,586.77 44.27 86.68 14,521.60 13.32 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 7 0 2 0 2 0 0 6 2 0 0 2 0 2 4 0 8 8 20 1 64

7 7 9 9 11 11 11 17 19 19 19 21 21 23 27 27 35 43 63 64

10.94 10.94 0.00 10.94 3.13 14.06 0.00 14.06 3.13 17.19 0.00 17.19 0.00 17.19 9.38 26.56 3.13 29.69 0.00 29.69 0.00 29.69 3.13 32.81 0.00 32.81 3.13 35.94 6.25 42.19 0.00 42.19 12.50 54.69 12.50 67.19 31.25 98.44 1.56 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 119.08 0.00 2.41 0.00 4.11 0.00 0.00 132.90 80.11 0.00 0.00 41.06 0.00 54.15 214.82 0.00 15.71 383.69 52.39 0.00 1,100.41

119.08 119.08 121.49 121.49 125.59 125.59 125.59 258.49 338.60 338.60 338.60 379.65 379.65 433.80 648.62 648.62 664.33 1,048.02 1,100.41 1,100.41

10.82 10.82 0.00 10.82 0.22 11.04 0.00 11.04 0.37 11.41 0.00 11.41 0.00 11.41 12.08 23.49 7.28 30.77 0.00 30.77 0.00 30.77 3.73 34.50 0.00 34.50 4.92 39.42 19.52 58.94 0.00 58.94 1.43 60.37 34.87 95.24 4.76 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

LOSS RATIO PERCENTAGE BAND CUM. 68.99 0.00 13.22 0.00 12.66 0.00 0.00 45.89 109.62 0.00 0.00 26.23 0.00 15.96 117.13 0.00 0.91 14.41 0.81 0.00

68.99 (9.00) (9.31) (9.37) (9.93) (10.13) (10.78) (29.54) (42.22) (43.83) (47.74) (68.69) (73.02) (240.16) 23,406.39 36.71 19.01 17.02 8.74 7.58

7.58

Page 17 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 32 Recreation Place

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 15 10 9 2 10 1 1 3 1 3 1 1 1 10 1 12 15 8 4 0 108

15 25 34 36 46 47 48 51 52 55 56 57 58 68 69 81 96 104 108 108

13.89 13.89 9.26 23.15 8.33 31.48 1.85 33.33 9.26 42.59 0.93 43.52 0.93 44.44 2.78 47.22 0.93 48.15 2.78 50.93 0.93 51.85 0.93 52.78 0.93 53.70 9.26 62.96 0.93 63.89 11.11 75.00 13.89 88.89 7.41 96.30 3.70 100.00 0.00 100.00

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 1,793.99 0.00 4,009.66

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 4,009.66 4,009.66

0.16 0.16 0.72 0.88 0.30 1.18 0.04 1.22 0.20 1.42 0.14 1.56 0.14 1.69 0.41 2.10 0.25 2.35 0.77 3.12 0.24 3.36 0.00 3.36 0.38 3.74 6.25 9.99 0.16 10.14 7.67 17.81 18.66 36.47 18.79 55.26 44.74 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 8 2 0 0 0 0 0 0 0 0 0 0 0 0 10 4 5 0 29

0 0 8 10 10 10 10 10 10 10 10 10 10 10 10 10 20 24 29 29

0.00 0.00 0.00 0.00 27.59 27.59 6.90 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 34.48 68.97 13.79 82.76 17.24 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 1.64 1.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 536.23 147.29 181.63 0.00 867.98

0.00 0.00 1.64 2.84 2.84 2.84 2.84 2.84 2.84 2.84 2.84 2.84 2.84 2.84 2.84 2.84 539.06 686.35 867.98 867.98

0.00 0.00 0.00 0.00 0.19 0.19 0.14 0.33 0.00 0.33 0.00 0.33 0.00 0.33 0.00 0.33 0.00 0.33 0.00 0.33 0.00 0.33 0.00 0.33 0.00 0.33 0.00 0.33 0.00 0.33 0.00 0.33 61.78 62.11 16.97 79.07 20.93 100.00 0.00 100.00

0.00 0.00 13.75 68.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 71.68 19.55 10.12 0.00

0.00 0.00 3.48 5.80 4.98 4.55 4.18 3.37 3.01 2.27 2.11 2.11 1.89 0.71 0.70 0.40 36.86 30.98 21.65 21.65

21.65

Page 18 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 40 Non Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,474 179 98 36 43 32 23 24 21 11 11 17 10 23 16 41 41 23 8 0 2,131

1,474 1,653 1,751 1,787 1,830 1,862 1,885 1,909 1,930 1,941 1,952 1,969 1,979 2,002 2,018 2,059 2,100 2,123 2,131 2,131

69.17 69.17 8.40 77.57 4.60 82.17 1.69 83.86 2.02 85.88 1.50 87.38 1.08 88.46 1.13 89.58 0.99 90.57 0.52 91.08 0.52 91.60 0.80 92.40 0.47 92.87 1.08 93.95 0.75 94.70 1.92 96.62 1.92 98.55 1.08 99.62 0.38 100.00 0.00 100.00

339.36 64.65 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 6,247.54

339.36 404.02 501.93 553.20 629.46 684.45 737.18 794.56 879.88 926.60 1,000.95 1,130.40 1,270.92 1,545.10 2,034.45 3,561.34 5,346.04 6,022.59 6,247.54 6,247.54

5.43 5.43 1.03 6.47 1.57 8.03 0.82 8.85 1.22 10.08 0.88 10.96 0.84 11.80 0.92 12.72 1.37 14.08 0.75 14.83 1.19 16.02 2.07 18.09 2.25 20.34 4.39 24.73 7.83 32.56 24.44 57.00 28.57 85.57 10.83 96.40 3.60 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 2 5 3 4 6 0 0 20

0 0 0 0 0 0 0 0 0 0 0 0 0 2 7 10 14 20 20 20

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 25.00 35.00 15.00 50.00 20.00 70.00 30.00 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 1,102.74 744.12 0.00 0.00 2,187.28

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.51 294.27 340.42 1,443.16 2,187.28 2,187.28 2,187.28

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.57 0.57 4.56 12.88 13.45 57.58 2.11 15.56 3.02 50.42 65.98 61.79 34.02 100.00 109.99 0.00 100.00 0.00 0.00 100.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.81 14.46 9.56 26.99 36.32 35.01 35.01

35.01

Page 19 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 01 - NANGGROE ACEH DARUSSALAM

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,187 1,578 2,150 1,323 1,127 454 355 195 111 38 28 29 29 31 22 20 27 13 9 17 8,743

1,187 2,765 4,915 6,238 7,365 7,819 8,174 8,369 8,480 8,518 8,546 8,575 8,604 8,635 8,657 8,677 8,704 8,717 8,726 8,743

13.58 13.58 18.05 31.63 24.59 56.22 15.13 71.35 12.89 84.24 5.19 89.43 4.06 93.49 2.23 95.72 1.27 96.99 0.43 97.43 0.32 97.75 0.33 98.08 0.33 98.41 0.35 98.76 0.25 99.02 0.23 99.25 0.31 99.55 0.15 99.70 0.10 99.81 0.19 100.00

321.97 624.03 1,509.94 1,516.73 1,803.94 1,049.51 994.30 686.58 466.87 180.29 129.45 177.27 155.45 241.34 191.17 273.60 806.13 400.99 52.98 462.06 12,044.59

321.97 945.99 2,455.93 3,972.67 5,776.61 6,826.11 7,820.41 8,506.99 8,973.86 9,154.15 9,283.60 9,460.87 9,616.32 9,857.66 10,048.83 10,322.43 11,128.56 11,529.55 11,582.53 12,044.59

2.67 2.67 5.18 7.85 12.54 20.39 12.59 32.98 14.98 47.96 8.71 56.67 8.26 64.93 5.70 70.63 3.88 74.51 1.50 76.00 1.07 77.08 1.47 78.55 1.29 79.84 2.00 81.84 1.59 83.43 2.27 85.70 6.69 92.39 3.33 95.72 0.44 96.16 3.84 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 12 4 2 7 0 2 2 0 0 2 0 0 0 0 0 0 0 2 0 0 33

12 16 18 25 25 27 29 29 29 31 31 31 31 31 31 31 31 33 33 33

36.36 36.36 12.12 48.48 6.06 54.55 21.21 75.76 0.00 75.76 6.06 81.82 6.06 87.88 0.00 87.88 0.00 87.88 6.06 93.94 0.00 93.94 0.00 93.94 0.00 93.94 0.00 93.94 0.00 93.94 0.00 93.94 0.00 93.94 6.06 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 246.24 72.49 0.00 339.19 0.00 10.91 0.49 0.00 0.00 47.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 53.98 0.00 0.00 770.53

246.24 318.73 318.73 657.93 657.93 668.84 669.33 669.33 669.33 716.55 716.55 716.55 716.55 716.55 716.55 716.55 716.55 770.53 770.53 770.53

31.96 31.96 9.41 41.37 0.00 41.37 44.02 85.39 0.00 85.39 1.42 86.80 0.06 86.87 0.00 86.87 0.00 86.87 6.13 92.99 0.00 92.99 0.00 92.99 0.00 92.99 0.00 92.99 0.00 92.99 0.00 92.99 0.00 92.99 7.01 100.00 0.00 100.00 0.00 100.00

76.48 11.62 0.00 22.36 0.00 1.04 0.05 0.00 0.00 26.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.46 0.00 0.00

76.48 33.69 12.98 16.56 11.39 9.80 8.56 7.87 7.46 7.83 7.72 7.57 7.45 7.27 7.13 6.94 6.44 6.68 6.65 6.40

6.40

Page 20 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 02 - SUMATERA UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 9,129 8,594 14,802 9,923 9,843 4,260 2,969 2,127 1,166 657 537 582 428 532 309 537 526 251 246 79 67,497

9,129 17,723 32,525 42,448 52,291 56,551 59,520 61,647 62,813 63,470 64,007 64,589 65,017 65,549 65,858 66,395 66,921 67,172 67,418 67,497

13.53 13.53 12.73 26.26 21.93 48.19 14.70 62.89 14.58 77.47 6.31 83.78 4.40 88.18 3.15 91.33 1.73 93.06 0.97 94.03 0.80 94.83 0.86 95.69 0.63 96.33 0.79 97.11 0.46 97.57 0.80 98.37 0.78 99.15 0.37 99.52 0.36 99.88 0.12 100.00

5,579.51 1,952.08 5,191.73 5,650.41 8,951.35 5,497.71 5,772.48 5,505.64 4,136.45 2,748.64 2,625.36 3,318.53 3,048.37 4,333.95 3,516.27 8,204.35 7,996.77 4,839.07 2,646.18 2,226.41 93,741.26

5,579.51 7,531.59 12,723.32 18,373.73 27,325.07 32,822.79 38,595.26 44,100.91 48,237.36 50,985.99 53,611.35 56,929.89 59,978.26 64,312.21 67,828.48 76,032.83 84,029.60 88,868.67 91,514.85 93,741.26

5.95 5.95 2.08 8.03 5.54 13.57 6.03 19.60 9.55 29.15 5.86 35.01 6.16 41.17 5.87 47.05 4.41 51.46 2.93 54.39 2.80 57.19 3.54 60.73 3.25 63.98 4.62 68.61 3.75 72.36 8.75 81.11 8.53 89.64 5.16 94.80 2.82 97.62 2.38 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

136 18 22 29 38 52 15 49 14 19 13 22 18 22 28 69 102 44 114 23

5,363.71 574.61 172.87 1,301.13 2,047.55 2,164.24 1,354.51 16,846.59 178.17 2,798.17 1,761.66 4,986.57 245.26 2,267.05 4,244.35 3,677.75 7,354.34 1,443.66 19,106.35 20,364.74

847

136 154 176 205 243 295 310 359 373 392 405 427 445 467 495 564 666 710 824 847

16.06 16.06 2.13 18.18 2.60 20.78 3.42 24.20 4.49 28.69 6.14 34.83 1.77 36.60 5.79 42.38 1.65 44.04 2.24 46.28 1.53 47.82 2.60 50.41 2.13 52.54 2.60 55.14 3.31 58.44 8.15 66.59 12.04 78.63 5.19 83.83 13.46 97.28 2.72 100.00

98,253.28

5,363.71 5,938.32 6,111.19 7,412.31 9,459.87 11,624.11 12,978.61 29,825.21 30,003.37 32,801.55 34,563.20 39,549.78 39,795.04 42,062.09 46,306.44 49,984.19 57,338.54 58,782.19 77,888.54 98,253.28

5.46 5.46 0.58 6.04 0.18 6.22 1.32 7.54 2.08 9.63 2.20 11.83 1.38 13.21 17.15 30.36 0.18 30.54 2.85 33.38 1.79 35.18 5.08 40.25 0.25 40.50 2.31 42.81 4.32 47.13 3.74 50.87 7.49 58.36 1.47 59.83 19.45 79.27 20.73 100.00

96.13 96.13 29.44 78.85 3.33 48.03 23.03 40.34 22.87 34.62 39.37 35.41 23.46 33.63 305.99 67.63 4.31 62.20 101.80 64.33 67.10 64.47 150.26 69.47 8.05 66.35 52.31 65.40 120.71 68.27 44.83 65.74 91.97 68.24 29.83 66.15 722.04 85.11 914.69 104.81 104.81

Page 21 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 03 - SUMATERA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2008 15/12/2011 15/04/2012

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM.

LOSS RATIO PERCENTAGE BAND CUM.

2,715 4,453 7,076 4,080 3,582 1,414 1,036 598 402 206 190 209 143 149 93 123 100 58 41 14

34 38 104 101 134 76 75 45 61 34 36 42 45 37 28 36 60 23 4 12

1,099.33 555.32 732.75 2,628.58 8,341.74 7,499.39 7,155.69 7,284.60 8,424.03 6,004.87 2,840.81 7,068.91 7,567.27 2,061.94 2,901.04 19,971.94 97,320.83 12,346.40 19.60 18,153.91

108.67 67.54 34.94 132.62 262.65 353.08 317.58 464.69 662.55 597.30 511.16 882.74 1,484.81 335.46 1,000.74 1,671.54 7,403.89 1,555.35 3.06 2,435.59

26,682

2,715 7,168 14,244 18,324 21,906 23,320 24,356 24,954 25,356 25,562 25,752 25,961 26,104 26,253 26,346 26,469 26,569 26,627 26,668 26,682

10.18 10.18 16.69 26.86 26.52 53.38 15.29 68.68 13.42 82.10 5.30 87.40 3.88 91.28 2.24 93.52 1.51 95.03 0.77 95.80 0.71 96.51 0.78 97.30 0.54 97.83 0.56 98.39 0.35 98.74 0.46 99.20 0.37 99.58 0.22 99.79 0.15 99.95 0.05 100.00

1,011.66 822.20 2,097.16 1,982.03 3,176.04 2,123.96 2,253.21 1,567.63 1,271.45 1,005.34 555.75 800.80 509.65 614.65 289.89 1,194.82 1,314.46 793.80 641.19 745.36 24,771.05

1,011.66 1,833.86 3,931.03 5,913.06 9,089.10 11,213.06 13,466.27 15,033.90 16,305.35 17,310.70 17,866.45 18,667.24 19,176.89 19,791.54 20,081.43 21,276.25 22,590.70 23,384.50 24,025.69 24,771.05

4.08 4.08 3.32 7.40 8.47 15.87 8.00 23.87 12.82 36.69 8.57 45.27 9.10 54.36 6.33 60.69 5.13 65.82 4.06 69.88 2.24 72.13 3.23 75.36 2.06 77.42 2.48 79.90 1.17 81.07 4.82 85.89 5.31 91.20 3.20 94.40 2.59 96.99 3.01 100.00

1,025

34 72 176 277 411 487 562 607 668 702 738 780 825 862 890 926 986 1,009 1,013 1,025

3.32 3.32 3.71 7.02 10.15 17.17 9.85 27.02 13.07 40.10 7.41 47.51 7.32 54.83 4.39 59.22 5.95 65.17 3.32 68.49 3.51 72.00 4.10 76.10 4.39 80.49 3.61 84.10 2.73 86.83 3.51 90.34 5.85 96.20 2.24 98.44 0.39 98.83 1.17 100.00

219,978.96

1,099.33 1,654.65 2,387.40 5,015.98 13,357.72 20,857.12 28,012.81 35,297.41 43,721.44 49,726.31 52,567.12 59,636.02 67,203.30 69,265.24 72,166.28 92,138.22 189,459.05 201,805.44 201,825.05 219,978.96

0.50 0.50 0.25 0.75 0.33 1.09 1.19 2.28 3.79 6.07 3.41 9.48 3.25 12.73 3.31 16.05 3.83 19.88 2.73 22.61 1.29 23.90 3.21 27.11 3.44 30.55 0.94 31.49 1.32 32.81 9.08 41.89 44.24 86.13 5.61 91.74 0.01 91.75 8.25 100.00

108.67 90.23 60.73 84.83 146.96 186.01 208.02 234.79 268.14 287.26 294.22 319.47 350.44 349.97 359.37 433.06 838.66 862.99 840.04 888.05

888.05

Page 22 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 04 - RIAU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,577 5,340 7,620 4,837 4,677 1,859 1,124 817 386 263 160 189 122 179 98 178 189 149 182 63 34,009

5,577 10,917 18,537 23,374 28,051 29,910 31,034 31,851 32,237 32,500 32,660 32,849 32,971 33,150 33,248 33,426 33,615 33,764 33,946 34,009

16.40 16.40 15.70 32.10 22.41 54.51 14.22 68.73 13.75 82.48 5.47 87.95 3.31 91.25 2.40 93.65 1.13 94.79 0.77 95.56 0.47 96.03 0.56 96.59 0.36 96.95 0.53 97.47 0.29 97.76 0.52 98.29 0.56 98.84 0.44 99.28 0.54 99.81 0.19 100.00

2,682.34 (317.30) 3,339.40 3,630.33 5,824.32 3,408.70 3,050.87 2,554.98 1,718.43 1,049.89 784.37 1,157.98 915.96 1,335.69 778.60 2,516.34 3,122.90 1,724.24 4,165.97 691.16 44,135.20

2,682.34 2,365.03 5,704.44 9,334.77 15,159.09 18,567.79 21,618.66 24,173.64 25,892.07 26,941.97 27,726.34 28,884.32 29,800.28 31,135.98 31,914.58 34,430.92 37,553.82 39,278.06 43,444.03 44,135.20

6.08 6.08 (0.72) 5.36 7.57 12.92 8.23 21.15 13.20 34.35 7.72 42.07 6.91 48.98 5.79 54.77 3.89 58.67 2.38 61.04 1.78 62.82 2.62 65.45 2.08 67.52 3.03 70.55 1.76 72.31 5.70 78.01 7.08 85.09 3.91 88.99 9.44 98.43 1.57 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 46 29 29 13 17 11 16 20 4 9 2 8 2 2 4 3 34 14 9 16 288

46 75 104 117 134 145 161 181 185 194 196 204 206 208 212 215 249 263 272 288

15.97 15.97 10.07 26.04 10.07 36.11 4.51 40.63 5.90 46.53 3.82 50.35 5.56 55.90 6.94 62.85 1.39 64.24 3.13 67.36 0.69 68.06 2.78 70.83 0.69 71.53 0.69 72.22 1.39 73.61 1.04 74.65 11.81 86.46 4.86 91.32 3.13 94.44 5.56 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,841.03 690.13 925.55 457.04 664.39 604.97 1,738.55 1,103.61 150.00 4,565.47 3.78 677.89 2.13 5.53 289.07 7.39 1,766.92 1,210.08 3,359.41 908.49 20,971.43

1,841.03 2,531.16 3,456.71 3,913.75 4,578.13 5,183.10 6,921.65 8,025.26 8,175.26 12,740.74 12,744.51 13,422.40 13,424.53 13,430.07 13,719.14 13,726.53 15,493.45 16,703.53 20,062.94 20,971.43

8.78 8.78 68.64 3.29 12.07 (217.50) 4.41 16.48 27.72 2.18 18.66 12.59 3.17 21.83 11.41 2.88 24.72 17.75 8.29 33.01 56.99 5.26 38.27 43.19 0.72 38.98 8.73 21.77 60.75 434.85 0.02 60.77 0.48 3.23 64.00 58.54 0.01 64.01 0.23 0.03 64.04 0.41 1.38 65.42 37.13 0.04 65.45 0.29 8.43 73.88 56.58 5.77 79.65 70.18 16.02 95.67 80.64 4.33 100.00 131.44

68.64 107.02 60.60 41.93 30.20 27.91 32.02 33.20 31.57 47.29 45.97 46.47 45.05 43.13 42.99 39.87 41.26 42.53 46.18 47.52

47.52

Page 23 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 05 - JAMBI

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,151 2,660 3,079 1,714 1,503 598 348 269 144 88 47 56 45 56 40 37 60 39 39 9 12,982

2,151 4,811 7,890 9,604 11,107 11,705 12,053 12,322 12,466 12,554 12,601 12,657 12,702 12,758 12,798 12,835 12,895 12,934 12,973 12,982

16.57 16.57 20.49 37.06 23.72 60.78 13.20 73.98 11.58 85.56 4.61 90.16 2.68 92.84 2.07 94.92 1.11 96.03 0.68 96.70 0.36 97.07 0.43 97.50 0.35 97.84 0.43 98.27 0.31 98.58 0.29 98.87 0.46 99.33 0.30 99.63 0.30 99.93 0.07 100.00

521.45 745.59 1,664.45 1,458.15 1,946.11 1,156.66 871.10 893.52 750.24 322.17 190.88 364.39 276.60 438.40 756.57 651.97 746.37 841.14 880.26 57.61 15,533.63

521.45 1,267.04 2,931.49 4,389.64 6,335.75 7,492.42 8,363.51 9,257.03 10,007.27 10,329.44 10,520.32 10,884.71 11,161.31 11,599.71 12,356.28 13,008.25 13,754.62 14,595.76 15,476.02 15,533.63

3.36 3.36 4.80 8.16 10.72 18.87 9.39 28.26 12.53 40.79 7.45 48.23 5.61 53.84 5.75 59.59 4.83 64.42 2.07 66.50 1.23 67.73 2.35 70.07 1.78 71.85 2.82 74.67 4.87 79.55 4.20 83.74 4.80 88.55 5.41 93.96 5.67 99.63 0.37 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 4 9 3 9 4 2 0 0 1 0 2 0 2 0 0 6 13 0 0 59

4 8 17 20 29 33 35 35 35 36 36 38 38 40 40 40 46 59 59 59

6.78 6.78 6.78 13.56 15.25 28.81 5.08 33.90 15.25 49.15 6.78 55.93 3.39 59.32 0.00 59.32 0.00 59.32 1.69 61.02 0.00 61.02 3.39 64.41 0.00 64.41 3.39 67.80 0.00 67.80 0.00 67.80 10.17 77.97 22.03 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 21.99 69.00 446.45 73.80 777.56 1.14 129.61 0.00 0.00 0.00 0.00 0.00 0.00 1.83 0.00 0.00 228.01 280.96 0.00 0.00 2,030.34

21.99 90.99 537.44 611.24 1,388.80 1,389.94 1,519.55 1,519.55 1,519.55 1,519.55 1,519.55 1,519.55 1,519.55 1,521.38 1,521.38 1,521.38 1,749.38 2,030.34 2,030.34 2,030.34

1.08 1.08 3.40 4.48 21.99 26.47 3.63 30.11 38.30 68.40 0.06 68.46 6.38 74.84 0.00 74.84 0.00 74.84 0.00 74.84 0.00 74.84 0.00 74.84 0.00 74.84 0.09 74.93 0.00 74.93 0.00 74.93 11.23 86.16 13.84 100.00 0.00 100.00 0.00 100.00

4.22 9.25 26.82 5.06 39.95 0.10 14.88 0.00 0.00 0.00 0.00 0.00 0.00 0.42 0.00 0.00 30.55 33.40 0.00 0.00

4.22 7.18 18.33 13.92 21.92 18.55 18.17 16.42 15.18 14.71 14.44 13.96 13.61 13.12 12.31 11.70 12.72 13.91 13.12 13.07

13.07

Page 24 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 06 - SUMATERA SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

3,960 3,729 5,115 3,388 3,014 1,537 1,081 792 395 271 155 161 114 131 95 171 133 105 115 65

31 11 18 5 8 4 4 6 6 2 0 0 1 5 4 6 22 9 121 26

24,527

3,960 7,689 12,804 16,192 19,206 20,743 21,824 22,616 23,011 23,282 23,437 23,598 23,712 23,843 23,938 24,109 24,242 24,347 24,462 24,527

16.15 16.15 15.20 31.35 20.85 52.20 13.81 66.02 12.29 78.31 6.27 84.57 4.41 88.98 3.23 92.21 1.61 93.82 1.10 94.92 0.63 95.56 0.66 96.21 0.46 96.68 0.53 97.21 0.39 97.60 0.70 98.30 0.54 98.84 0.43 99.27 0.47 99.73 0.27 100.00

2,233.01 977.24 1,988.42 2,034.78 3,168.25 2,235.29 2,296.09 2,117.55 1,357.88 1,025.70 769.53 839.11 591.10 1,087.59 763.23 2,043.32 2,283.31 1,947.88 2,054.57 1,369.80 33,183.64

2,233.01 3,210.25 5,198.67 7,233.44 10,401.69 12,636.98 14,933.07 17,050.62 18,408.50 19,434.20 20,203.73 21,042.84 21,633.94 22,721.53 23,484.76 25,528.08 27,811.38 29,759.26 31,813.84 33,183.64

6.73 6.73 2.94 9.67 5.99 15.67 6.13 21.80 9.55 31.35 6.74 38.08 6.92 45.00 6.38 51.38 4.09 55.47 3.09 58.57 2.32 60.88 2.53 63.41 1.78 65.19 3.28 68.47 2.30 70.77 6.16 76.93 6.88 83.81 5.87 89.68 6.19 95.87 4.13 100.00

289

31 42 60 65 73 77 81 87 93 95 95 95 96 101 105 111 133 142 263 289

10.73 10.73 3.81 14.53 6.23 20.76 1.73 22.49 2.77 25.26 1.38 26.64 1.38 28.03 2.08 30.10 2.08 32.18 0.69 32.87 0.00 32.87 0.00 32.87 0.35 33.22 1.73 34.95 1.38 36.33 2.08 38.41 7.61 46.02 3.11 49.13 41.87 91.00 9.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,306.32 173.36 702.32 76.48 548.18 265.86 12.55 94.81 243.36 208.95 0.00 0.00 0.00 34.90 4.80 3,337.31 3,000.48 132.25 8,755.35 476.98 20,374.26

2,306.32 2,479.69 3,182.01 3,258.49 3,806.67 4,072.53 4,085.08 4,179.89 4,423.25 4,632.20 4,632.20 4,632.20 4,632.20 4,667.10 4,671.90 8,009.21 11,009.69 11,141.94 19,897.28 20,374.26

11.32 11.32 0.85 12.17 3.45 15.62 0.38 15.99 2.69 18.68 1.30 19.99 0.06 20.05 0.47 20.52 1.19 21.71 1.03 22.74 0.00 22.74 0.00 22.74 0.00 22.74 0.17 22.91 0.02 22.93 16.38 39.31 14.73 54.04 0.65 54.69 42.97 97.66 2.34 100.00

103.28 103.28 17.74 77.24 35.32 61.21 3.76 45.05 17.30 36.60 11.89 32.23 0.55 27.36 4.48 24.51 17.92 24.03 20.37 23.84 0.00 22.93 0.00 22.01 0.00 21.41 3.21 20.54 0.63 19.89 163.33 31.37 131.41 39.59 6.79 37.44 426.14 62.54 34.82 61.40 61.40

Page 25 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 07 - BENGKULU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,433 1,586 1,647 895 673 287 150 98 56 28 24 33 23 18 12 15 27 13 5 4 7,027

1,433 3,019 4,666 5,561 6,234 6,521 6,671 6,769 6,825 6,853 6,877 6,910 6,933 6,951 6,963 6,978 7,005 7,018 7,023 7,027

20.39 20.39 22.57 42.96 23.44 66.40 12.74 79.14 9.58 88.71 4.08 92.80 2.13 94.93 1.39 96.33 0.80 97.13 0.40 97.52 0.34 97.87 0.47 98.33 0.33 98.66 0.26 98.92 0.17 99.09 0.21 99.30 0.38 99.69 0.19 99.87 0.07 99.94 0.06 100.00

430.57 379.65 750.17 577.85 841.00 459.74 372.66 238.08 191.39 133.97 120.15 292.01 108.45 81.30 280.05 174.44 402.07 210.04 104.94 27.83 6,176.35

430.57 810.22 1,560.39 2,138.24 2,979.24 3,438.98 3,811.64 4,049.72 4,241.11 4,375.08 4,495.23 4,787.24 4,895.69 4,976.99 5,257.03 5,431.47 5,833.54 6,043.58 6,148.52 6,176.35

6.97 6.97 6.15 13.12 12.15 25.26 9.36 34.62 13.62 48.24 7.44 55.68 6.03 61.71 3.85 65.57 3.10 68.67 2.17 70.84 1.95 72.78 4.73 77.51 1.76 79.27 1.32 80.58 4.53 85.12 2.82 87.94 6.51 94.45 3.40 97.85 1.70 99.55 0.45 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 8 4 6 8 18 2 0 0 5 0 0 0 2 0 0 0 0 2 2 0 57

8 12 18 26 44 46 46 46 51 51 51 51 53 53 53 53 53 55 57 57

14.04 14.04 7.02 21.05 10.53 31.58 14.04 45.61 31.58 77.19 3.51 80.70 0.00 80.70 0.00 80.70 8.77 89.47 0.00 89.47 0.00 89.47 0.00 89.47 3.51 92.98 0.00 92.98 0.00 92.98 0.00 92.98 0.00 92.98 3.51 96.49 3.51 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 93.77 42.58 90.22 112.62 1,231.03 15.27 0.00 0.00 8.95 0.00 0.00 0.00 45.36 0.00 0.00 0.00 0.00 45.45 0.00 0.00 1,685.25

93.77 136.35 226.57 339.20 1,570.23 1,585.49 1,585.49 1,585.49 1,594.44 1,594.44 1,594.44 1,594.44 1,639.80 1,639.80 1,639.80 1,639.80 1,639.80 1,685.25 1,685.25 1,685.25

5.56 5.56 21.78 2.53 8.09 11.22 5.35 13.44 12.03 6.68 20.13 19.49 73.05 93.17 146.38 0.91 94.08 3.32 0.00 94.08 0.00 0.00 94.08 0.00 0.53 94.61 4.67 0.00 94.61 0.00 0.00 94.61 0.00 0.00 94.61 0.00 2.69 97.30 41.83 0.00 97.30 0.00 0.00 97.30 0.00 0.00 97.30 0.00 0.00 97.30 0.00 2.70 100.00 21.64 0.00 100.00 0.00 0.00 100.00 0.00

21.78 16.83 14.52 15.86 52.71 46.10 41.60 39.15 37.59 36.44 35.47 33.31 33.49 32.95 31.19 30.19 28.11 27.88 27.41 27.29

27.29

Page 26 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 08 - LAMPUNG

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

2,442 3,176 3,644 2,222 2,159 1,073 713 567 353 177 160 166 153 223 135 225 247 129 101 47

38 4 14 26 11 4 10 14 2 6 2 4 4 8 10 31 112 36 13 23

18,112

2,442 5,618 9,262 11,484 13,643 14,716 15,429 15,996 16,349 16,526 16,686 16,852 17,005 17,228 17,363 17,588 17,835 17,964 18,065 18,112

13.48 13.48 17.54 31.02 20.12 51.14 12.27 63.41 11.92 75.33 5.92 81.25 3.94 85.19 3.13 88.32 1.95 90.27 0.98 91.24 0.88 92.13 0.92 93.04 0.84 93.89 1.23 95.12 0.75 95.86 1.24 97.11 1.36 98.47 0.71 99.18 0.56 99.74 0.26 100.00

2,169.01 626.60 1,219.19 1,217.21 2,063.11 1,538.62 1,369.61 1,511.03 1,298.95 690.98 689.50 834.23 1,069.84 1,605.77 1,420.67 2,688.51 3,191.49 1,701.76 1,569.39 435.44 28,910.91

2,169.01 2,795.62 4,014.80 5,232.01 7,295.12 8,833.74 10,203.36 11,714.39 13,013.34 13,704.31 14,393.81 15,228.04 16,297.88 17,903.65 19,324.31 22,012.83 25,204.32 26,906.08 28,475.47 28,910.91

7.50 7.50 2.17 9.67 4.22 13.89 4.21 18.10 7.14 25.23 5.32 30.56 4.74 35.29 5.23 40.52 4.49 45.01 2.39 47.40 2.38 49.79 2.89 52.67 3.70 56.37 5.55 61.93 4.91 66.84 9.30 76.14 11.04 87.18 5.89 93.07 5.43 98.49 1.51 100.00

372

38 42 56 82 93 97 107 121 123 129 131 135 139 147 157 188 300 336 349 372

10.22 10.22 1.08 11.29 3.76 15.05 6.99 22.04 2.96 25.00 1.08 26.08 2.69 28.76 3.76 32.53 0.54 33.06 1.61 34.68 0.54 35.22 1.08 36.29 1.08 37.37 2.15 39.52 2.69 42.20 8.33 50.54 30.11 80.65 9.68 90.32 3.49 93.82 6.18 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 6,018.48 74.61 14.45 271.23 601.39 28.10 300.83 59.21 2.03 1,521.47 3.06 844.13 35.42 790.74 1,324.75 3,499.07 4,297.06 739.48 1,099.13 1,009.36 22,533.99

6,018.48 6,093.09 6,107.53 6,378.76 6,980.15 7,008.25 7,309.08 7,368.29 7,370.33 8,891.79 8,894.85 9,738.97 9,774.39 10,565.13 11,889.88 15,388.95 19,686.02 20,425.49 21,524.62 22,533.99

26.71 26.71 0.33 27.04 0.06 27.10 1.20 28.31 2.67 30.98 0.12 31.10 1.33 32.44 0.26 32.70 0.01 32.71 6.75 39.46 0.01 39.47 3.75 43.22 0.16 43.38 3.51 46.89 5.88 52.76 15.53 68.29 19.07 87.36 3.28 90.64 4.88 95.52 4.48 100.00

277.48 11.91 1.18 22.28 29.15 1.83 21.96 3.92 0.16 220.19 0.44 101.19 3.31 49.24 93.25 130.15 134.64 43.45 70.04 231.80

277.48 217.95 152.13 121.92 95.68 79.34 71.63 62.90 56.64 64.88 61.80 63.95 59.97 59.01 61.53 69.91 78.11 75.91 75.59 77.94

77.94

Page 27 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 09 - DAERAH KHUSUS IBUKOTA JAKARTA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 25,486 17,238 31,695 26,823 37,763 22,044 16,297 12,904 7,245 3,857 3,087 3,609 2,306 2,817 1,668 2,737 2,021 933 1,556 601 222,687

25,486 42,724 74,419 101,242 139,005 161,049 177,346 190,250 197,495 201,352 204,439 208,048 210,354 213,171 214,839 217,576 219,597 220,530 222,086 222,687

11.44 11.44 7.74 19.19 14.23 33.42 12.05 45.46 16.96 62.42 9.90 72.32 7.32 79.64 5.79 85.43 3.25 88.69 1.73 90.42 1.39 91.81 1.62 93.43 1.04 94.46 1.27 95.73 0.75 96.48 1.23 97.70 0.91 98.61 0.42 99.03 0.70 99.73 0.27 100.00

56,362.30 5,052.99 10,075.73 12,039.18 29,712.48 21,194.46 22,606.73 24,437.74 18,669.98 12,131.62 12,754.36 16,186.06 12,833.72 18,128.73 13,173.23 29,585.40 33,866.43 16,792.98 32,519.54 78,625.18 476,748.84

56,362.30 61,415.29 71,491.02 83,530.20 113,242.68 134,437.14 157,043.88 181,481.62 200,151.60 212,283.22 225,037.58 241,223.64 254,057.36 272,186.09 285,359.31 314,944.71 348,811.14 365,604.12 398,123.66 476,748.84

11.82 11.82 1.06 12.88 2.11 15.00 2.53 17.52 6.23 23.75 4.45 28.20 4.74 32.94 5.13 38.07 3.92 41.98 2.54 44.53 2.68 47.20 3.40 50.60 2.69 53.29 3.80 57.09 2.76 59.86 6.21 66.06 7.10 73.16 3.52 76.69 6.82 83.51 16.49 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 515 124 325 87 222 90 127 127 126 83 46 111 92 88 56 175 267 190 583 663 4,097

515 639 964 1,051 1,273 1,363 1,490 1,617 1,743 1,826 1,872 1,983 2,075 2,163 2,219 2,394 2,661 2,851 3,434 4,097

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

12.57 12.57 53,230.13 3.03 15.60 2,366.10 7.93 23.53 5,375.96 2.12 25.65 2,628.54 5.42 31.07 5,045.92 2.20 33.27 3,084.94 3.10 36.37 3,301.89 3.10 39.47 5,485.17 3.08 42.54 6,238.95 2.03 44.57 6,860.09 1.12 45.69 1,588.97 2.71 48.40 6,823.89 2.25 50.65 896.61 2.15 52.79 6,950.24 1.37 54.16 3,145.88 4.27 58.43 32,180.97 6.52 64.95 10,091.06 4.64 69.59 24,648.38 14.23 83.82 99,826.86 16.18 100.00 144,711.41 424,481.96

53,230.13 55,596.23 60,972.19 63,600.73 68,646.65 71,731.59 75,033.48 80,518.65 86,757.60 93,617.69 95,206.66 102,030.55 102,927.16 109,877.39 113,023.28 145,204.25 155,295.31 179,943.69 279,770.55 424,481.96

12.54 12.54 0.56 13.10 1.27 14.36 0.62 14.98 1.19 16.17 0.73 16.90 0.78 17.68 1.29 18.97 1.47 20.44 1.62 22.05 0.37 22.43 1.61 24.04 0.21 24.25 1.64 25.89 0.74 26.63 7.58 34.21 2.38 36.58 5.81 42.39 23.52 65.91 34.09 100.00

94.44 46.83 53.36 21.83 16.98 14.56 14.61 22.45 33.42 56.55 12.46 42.16 6.99 38.34 23.88 108.77 29.80 146.78 306.98 184.05

94.44 90.53 85.29 76.14 60.62 53.36 47.78 44.37 43.35 44.10 42.31 42.30 40.51 40.37 39.61 46.10 44.52 49.22 70.27 89.04

89.04

Page 28 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 10 - JAWA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 31,195 28,149 29,649 17,425 18,030 9,939 6,283 5,332 2,940 1,762 1,365 1,836 1,277 1,861 1,239 2,373 2,072 1,066 1,513 483 165,789

31,195 59,344 88,993 106,418 124,448 134,387 140,670 146,002 148,942 150,704 152,069 153,905 155,182 157,043 158,282 160,655 162,727 163,793 165,306 165,789

18.82 18.82 16.98 35.79 17.88 53.68 10.51 64.19 10.88 75.06 5.99 81.06 3.79 84.85 3.22 88.06 1.77 89.84 1.06 90.90 0.82 91.72 1.11 92.83 0.77 93.60 1.12 94.72 0.75 95.47 1.43 96.90 1.25 98.15 0.64 98.80 0.91 99.71 0.29 100.00

19,991.04 6,581.95 11,044.04 10,032.97 15,075.71 12,052.38 10,699.86 11,609.98 8,245.62 6,209.23 5,632.09 8,394.62 7,045.15 12,432.32 10,313.79 25,209.60 30,629.13 19,340.45 24,262.18 23,191.16 277,993.26

19,991.04 26,572.99 37,617.03 47,650.00 62,725.71 74,778.08 85,477.94 97,087.92 105,333.54 111,542.77 117,174.86 125,569.49 132,614.64 145,046.95 155,360.75 180,570.34 211,199.48 230,539.92 254,802.10 277,993.26

7.19 7.19 2.37 9.56 3.97 13.53 3.61 17.14 5.42 22.56 4.34 26.90 3.85 30.75 4.18 34.92 2.97 37.89 2.23 40.12 2.03 42.15 3.02 45.17 2.53 47.70 4.47 52.18 3.71 55.89 9.07 64.95 11.02 75.97 6.96 82.93 8.73 91.66 8.34 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

359 22 99 98 117 137 69 98 41 47 39 52 53 81 40 204 226 206 294 365

23,565.02 155.18 7,724.15 2,303.85 3,147.34 1,789.74 4,828.31 5,842.16 2,910.36 2,571.53 1,306.26 2,977.72 7,467.99 1,263.23 1,182.44 34,710.02 51,782.34 13,475.50 26,518.59 48,514.07

2,647

359 381 480 578 695 832 901 999 1,040 1,087 1,126 1,178 1,231 1,312 1,352 1,556 1,782 1,988 2,282 2,647

13.56 13.56 0.83 14.39 3.74 18.13 3.70 21.84 4.42 26.26 5.18 31.43 2.61 34.04 3.70 37.74 1.55 39.29 1.78 41.07 1.47 42.54 1.96 44.50 2.00 46.51 3.06 49.57 1.51 51.08 7.71 58.78 8.54 67.32 7.78 75.10 11.11 86.21 13.79 100.00

244,035.81

23,565.02 23,720.20 31,444.35 33,748.20 36,895.54 38,685.27 43,513.59 49,355.75 52,266.11 54,837.64 56,143.90 59,121.61 66,589.61 67,852.84 69,035.28 103,745.30 155,527.64 169,003.14 195,521.74 244,035.81

9.66 9.66 0.06 9.72 3.17 12.89 0.94 13.83 1.29 15.12 0.73 15.85 1.98 17.83 2.39 20.22 1.19 21.42 1.05 22.47 0.54 23.01 1.22 24.23 3.06 27.29 0.52 27.80 0.48 28.29 14.22 42.51 21.22 63.73 5.52 69.25 10.87 80.12 19.88 100.00

117.88 117.88 2.36 89.26 69.94 83.59 22.96 70.83 20.88 58.82 14.85 51.73 45.13 50.91 50.32 50.84 35.30 49.62 41.41 49.16 23.19 47.91 35.47 47.08 106.00 50.21 10.16 46.78 11.46 44.44 137.69 57.45 169.06 73.64 69.68 73.31 109.30 76.73 209.19 87.78 87.78

Page 29 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 11 - JAWA TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 21,826 16,000 14,654 7,222 7,592 4,423 3,072 2,597 1,512 923 719 939 550 749 459 854 721 353 337 177 85,679

21,826 37,826 52,480 59,702 67,294 71,717 74,789 77,386 78,898 79,821 80,540 81,479 82,029 82,778 83,237 84,091 84,812 85,165 85,502 85,679

25.47 25.47 18.67 44.15 17.10 61.25 8.43 69.68 8.86 78.54 5.16 83.70 3.59 87.29 3.03 90.32 1.76 92.09 1.08 93.16 0.84 94.00 1.10 95.10 0.64 95.74 0.87 96.61 0.54 97.15 1.00 98.15 0.84 98.99 0.41 99.40 0.39 99.79 0.21 100.00

7,148.06 7,148.06 2,045.55 9,193.60 4,771.66 13,965.27 4,170.16 18,135.42 6,965.58 25,101.01 6,705.04 31,806.05 5,137.99 36,944.04 6,283.79 43,227.82 4,301.43 47,529.25 3,300.55 50,829.80 3,036.14 53,865.94 4,608.46 58,474.40 3,525.47 61,999.86 5,706.47 67,706.33 4,301.45 72,007.78 10,611.19 82,618.97 9,653.66 92,272.63 5,684.72 97,957.35 4,629.09 102,586.44 1,725.53 104,311.96 104,311.96

6.85 6.85 1.96 8.81 4.57 13.39 4.00 17.39 6.68 24.06 6.43 30.49 4.93 35.42 6.02 41.44 4.12 45.56 3.16 48.73 2.91 51.64 4.42 56.06 3.38 59.44 5.47 64.91 4.12 69.03 10.17 79.20 9.25 88.46 5.45 93.91 4.44 98.35 1.65 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

151 23 42 26 51 45 47 71 25 25 23 28 46 46 51 78 181 155 241 48

4,028.65 4,028.65 688.27 4,716.92 640.10 5,357.01 206.81 5,563.82 914.48 6,478.30 896.16 7,374.46 789.18 8,163.64 4,052.90 12,216.54 796.52 13,013.05 296.48 13,309.53 1,288.13 14,597.66 2,641.30 17,238.97 4,596.77 21,835.73 8,428.02 30,263.75 9,228.49 39,492.25 22,942.67 62,434.92 29,969.14 92,404.06 1,653.10 94,057.15 6,038.71 100,095.86 8,509.71 108,605.57

1,403

151 174 216 242 293 338 385 456 481 506 529 557 603 649 700 778 959 1,114 1,355 1,403

10.76 10.76 1.64 12.40 2.99 15.40 1.85 17.25 3.64 20.88 3.21 24.09 3.35 27.44 5.06 32.50 1.78 34.28 1.78 36.07 1.64 37.70 2.00 39.70 3.28 42.98 3.28 46.26 3.64 49.89 5.56 55.45 12.90 68.35 11.05 79.40 17.18 96.58 3.42 100.00

108,605.57

3.71 3.71 0.63 4.34 0.59 4.93 0.19 5.12 0.84 5.96 0.83 6.79 0.73 7.52 3.73 11.25 0.73 11.98 0.27 12.25 1.19 13.44 2.43 15.87 4.23 20.11 7.76 27.87 8.50 36.36 21.12 57.49 27.59 85.08 1.52 86.60 5.56 92.16 7.84 100.00

56.36 56.36 33.65 51.31 13.41 38.36 4.96 30.68 13.13 25.81 13.37 23.19 15.36 22.10 64.50 28.26 18.52 27.38 8.98 26.18 42.43 27.10 57.31 29.48 130.39 35.22 147.69 44.70 214.54 54.84 216.21 75.57 310.44 100.14 29.08 96.02 130.45 97.57 493.17 104.12 104.12

Page 30 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 12 - DAERAH ISTIMEWA YOGYAKARTA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,159 1,888 1,996 1,205 1,196 713 566 374 229 162 116 106 79 109 65 112 95 31 17 8 11,226

2,159 4,047 6,043 7,248 8,444 9,157 9,723 10,097 10,326 10,488 10,604 10,710 10,789 10,898 10,963 11,075 11,170 11,201 11,218 11,226

19.23 19.23 16.82 36.05 17.78 53.83 10.73 64.56 10.65 75.22 6.35 81.57 5.04 86.61 3.33 89.94 2.04 91.98 1.44 93.43 1.03 94.46 0.94 95.40 0.70 96.11 0.97 97.08 0.58 97.66 1.00 98.65 0.85 99.50 0.28 99.78 0.15 99.93 0.07 100.00

673.37 258.52 566.60 554.55 896.33 765.83 1,320.33 722.48 527.60 529.00 389.43 505.36 379.13 678.59 469.54 1,019.22 1,875.81 551.15 368.31 92.49 13,143.62

673.37 931.89 1,498.48 2,053.03 2,949.36 3,715.19 5,035.51 5,757.99 6,285.59 6,814.60 7,204.02 7,709.38 8,088.51 8,767.09 9,236.63 10,255.85 12,131.66 12,682.81 13,051.12 13,143.62

5.12 5.12 1.97 7.09 4.31 11.40 4.22 15.62 6.82 22.44 5.83 28.27 10.05 38.31 5.50 43.81 4.01 47.82 4.02 51.85 2.96 54.81 3.84 58.65 2.88 61.54 5.16 66.70 3.57 70.27 7.75 78.03 14.27 92.30 4.19 96.49 2.80 99.30 0.70 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 12 0 5 2 8 14 15 15 0 0 4 0 0 3 0 2 2 3 7 4 96

12 12 17 19 27 41 56 71 71 71 75 75 75 78 78 80 82 85 92 96

12.50 12.50 0.00 12.50 5.21 17.71 2.08 19.79 8.33 28.13 14.58 42.71 15.63 58.33 15.63 73.96 0.00 73.96 0.00 73.96 4.17 78.13 0.00 78.13 0.00 78.13 3.13 81.25 0.00 81.25 2.08 83.33 2.08 85.42 3.13 88.54 7.29 95.83 4.17 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 278.85 0.00 65.55 2.15 17.76 99.85 186.64 1,624.26 0.00 0.00 3.26 0.00 0.00 677.35 0.00 335.11 74.23 843.33 131.33 0.73 4,340.39

278.85 278.85 344.40 346.55 364.31 464.16 650.80 2,275.06 2,275.06 2,275.06 2,278.31 2,278.31 2,278.31 2,955.66 2,955.66 3,290.77 3,365.00 4,208.33 4,339.66 4,340.39

6.42 6.42 41.41 0.00 6.42 0.00 1.51 7.93 11.57 0.05 7.98 0.39 0.41 8.39 1.98 2.30 10.69 13.04 4.30 14.99 14.14 37.42 52.42 224.82 0.00 52.42 0.00 0.00 52.42 0.00 0.08 52.49 0.84 0.00 52.49 0.00 0.00 52.49 0.00 15.61 68.10 99.82 0.00 68.10 0.00 7.72 75.82 32.88 1.71 77.53 3.96 19.43 96.96 153.01 3.03 99.98 35.66 0.02 100.00 0.79

41.41 29.92 22.98 16.88 12.35 12.49 12.92 39.51 36.19 33.39 31.63 29.55 28.17 33.71 32.00 32.09 27.74 33.18 33.25 33.02

33.02

Page 31 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 13 - JAWA TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 18,175 16,370 18,493 11,091 12,915 7,985 5,635 4,989 3,048 1,744 1,357 1,561 1,143 1,511 937 1,684 1,549 618 742 310 111,857

18,175 34,545 53,038 64,129 77,044 85,029 90,664 95,653 98,701 100,445 101,802 103,363 104,506 106,017 106,954 108,638 110,187 110,805 111,547 111,857

16.25 16.25 14.63 30.88 16.53 47.42 9.92 57.33 11.55 68.88 7.14 76.02 5.04 81.05 4.46 85.51 2.72 88.24 1.56 89.80 1.21 91.01 1.40 92.41 1.02 93.43 1.35 94.78 0.84 95.62 1.51 97.12 1.38 98.51 0.55 99.06 0.66 99.72 0.28 100.00

12,442.56 3,244.01 5,992.08 6,073.60 10,384.47 8,864.00 8,762.22 12,360.68 8,255.26 5,542.17 6,398.54 8,079.40 6,303.53 10,967.13 8,440.33 21,480.42 21,468.02 9,999.36 9,762.14 4,864.55 189,684.46

12,442.56 15,686.56 21,678.64 27,752.23 38,136.71 47,000.71 55,762.93 68,123.61 76,378.87 81,921.04 88,319.59 96,398.98 102,702.52 113,669.64 122,109.98 143,590.40 165,058.42 175,057.77 184,819.91 189,684.46

6.56 6.56 1.71 8.27 3.16 11.43 3.20 14.63 5.47 20.11 4.67 24.78 4.62 29.40 6.52 35.91 4.35 40.27 2.92 43.19 3.37 46.56 4.26 50.82 3.32 54.14 5.78 59.93 4.45 64.38 11.32 75.70 11.32 87.02 5.27 92.29 5.15 97.44 2.56 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

222 32 21 22 67 46 36 57 34 43 65 42 73 64 50 185 199 122 228 53

33,948.24 1,837.65 259.10 333.53 1,486.81 2,425.35 2,050.13 5,305.79 5,367.90 3,595.78 8,456.92 7,047.14 13,343.80 21,651.07 4,566.36 31,371.28 37,353.92 10,200.27 9,631.90 8,303.62

1,661

222 254 275 297 364 410 446 503 537 580 645 687 760 824 874 1,059 1,258 1,380 1,608 1,661

13.37 13.37 1.93 15.29 1.26 16.56 1.32 17.88 4.03 21.91 2.77 24.68 2.17 26.85 3.43 30.28 2.05 32.33 2.59 34.92 3.91 38.83 2.53 41.36 4.39 45.76 3.85 49.61 3.01 52.62 11.14 63.76 11.98 75.74 7.34 83.08 13.73 96.81 3.19 100.00

208,536.56

33,948.24 35,785.90 36,045.00 36,378.53 37,865.34 40,290.69 42,340.81 47,646.61 53,014.51 56,610.29 65,067.21 72,114.35 85,458.15 107,109.22 111,675.58 143,046.86 180,400.78 190,601.04 200,232.94 208,536.56

16.28 16.28 0.88 17.16 0.12 17.28 0.16 17.44 0.71 18.16 1.16 19.32 0.98 20.30 2.54 22.85 2.57 25.42 1.72 27.15 4.06 31.20 3.38 34.58 6.40 40.98 10.38 51.36 2.19 53.55 15.04 68.60 17.91 86.51 4.89 91.40 4.62 96.02 3.98 100.00

272.84 56.65 4.32 5.49 14.32 27.36 23.40 42.92 65.02 64.88 132.17 87.22 211.69 197.42 54.10 146.05 174.00 102.01 98.67 170.70

272.84 228.13 166.27 131.08 99.29 85.72 75.93 69.94 69.41 69.10 73.67 74.81 83.21 94.23 91.45 99.62 109.30 108.88 108.34 109.94

109.94

Page 32 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 14 - KALIMANTAN BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,310 8,124 8,066 2,832 2,305 835 550 368 188 123 93 96 56 80 33 92 69 46 39 4 29,309

5,310 13,434 21,500 24,332 26,637 27,472 28,022 28,390 28,578 28,701 28,794 28,890 28,946 29,026 29,059 29,151 29,220 29,266 29,305 29,309

18.12 18.12 27.72 45.84 27.52 73.36 9.66 83.02 7.86 90.88 2.85 93.73 1.88 95.61 1.26 96.86 0.64 97.51 0.42 97.93 0.32 98.24 0.33 98.57 0.19 98.76 0.27 99.03 0.11 99.15 0.31 99.46 0.24 99.70 0.16 99.85 0.13 99.99 0.01 100.00

2,943.16 4,035.31 7,953.89 4,514.09 5,282.31 2,609.11 2,109.33 1,596.66 985.35 628.68 709.83 794.31 468.84 895.13 379.21 2,190.28 1,046.38 238.87 1,286.89 57.15 40,724.79

2,943.16 6,978.47 14,932.36 19,446.46 24,728.76 27,337.88 29,447.21 31,043.86 32,029.22 32,657.89 33,367.72 34,162.03 34,630.87 35,526.00 35,905.21 38,095.50 39,141.88 39,380.75 40,667.64 40,724.79

7.23 7.23 9.91 17.14 19.53 36.67 11.08 47.75 12.97 60.72 6.41 67.13 5.18 72.31 3.92 76.23 2.42 78.65 1.54 80.19 1.74 81.93 1.95 83.89 1.15 85.04 2.20 87.23 0.93 88.17 5.38 93.54 2.57 96.11 0.59 96.70 3.16 99.86 0.14 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 20 38 55 22 16 13 6 4 4 3 0 7 0 0 0 0 7 0 4 0 199

20 58 113 135 151 164 170 174 178 181 181 188 188 188 188 188 195 195 199 199

10.05 10.05 19.10 29.15 27.64 56.78 11.06 67.84 8.04 75.88 6.53 82.41 3.02 85.43 2.01 87.44 2.01 89.45 1.51 90.95 0.00 90.95 3.52 94.47 0.00 94.47 0.00 94.47 0.00 94.47 0.00 94.47 3.52 97.99 0.00 97.99 2.01 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 314.80 1,991.93 2,989.71 1,763.38 1,686.36 2,200.48 847.16 1,371.86 1,463.39 1,899.39 0.00 4,351.16 0.00 0.00 0.00 0.00 149.17 0.00 4.24 0.00 21,033.03

314.80 2,306.73 5,296.45 7,059.83 8,746.18 10,946.67 11,793.83 13,165.69 14,629.08 16,528.46 16,528.46 20,879.62 20,879.62 20,879.62 20,879.62 20,879.62 21,028.79 21,028.79 21,033.03 21,033.03

1.50 1.50 10.70 9.47 10.97 49.36 14.21 25.18 37.59 8.38 33.57 39.06 8.02 41.58 31.92 10.46 52.05 84.34 4.03 56.07 40.16 6.52 62.60 85.92 6.96 69.55 148.51 9.03 78.58 302.12 0.00 78.58 0.00 20.69 99.27 547.79 0.00 99.27 0.00 0.00 99.27 0.00 0.00 99.27 0.00 0.00 99.27 0.00 0.71 99.98 14.26 0.00 99.98 0.00 0.02 100.00 0.33 0.00 100.00 0.00

10.70 33.06 35.47 36.30 35.37 40.04 40.05 42.41 45.67 50.61 49.53 61.12 60.29 58.77 58.15 54.81 53.72 53.40 51.72 51.65

51.65

Page 33 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 15 - KALIMANTAN TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,729 1,891 1,507 702 770 331 204 173 95 46 34 36 22 28 14 43 31 30 21 12 7,719

1,729 3,620 5,127 5,829 6,599 6,930 7,134 7,307 7,402 7,448 7,482 7,518 7,540 7,568 7,582 7,625 7,656 7,686 7,707 7,719

22.40 22.40 24.50 46.90 19.52 66.42 9.09 75.51 9.98 85.49 4.29 89.78 2.64 92.42 2.24 94.66 1.23 95.89 0.60 96.49 0.44 96.93 0.47 97.40 0.29 97.68 0.36 98.04 0.18 98.23 0.56 98.78 0.40 99.18 0.39 99.57 0.27 99.84 0.16 100.00

592.83 667.65 1,053.00 738.27 1,289.79 816.02 613.90 729.01 502.88 243.60 173.11 255.77 148.94 397.58 227.96 758.01 711.41 642.34 512.79 102.10 11,176.97

592.83 1,260.49 2,313.49 3,051.76 4,341.55 5,157.57 5,771.47 6,500.49 7,003.36 7,246.96 7,420.07 7,675.84 7,824.78 8,222.36 8,450.32 9,208.33 9,919.74 10,562.08 11,074.87 11,176.97

5.30 5.30 5.97 11.28 9.42 20.70 6.61 27.30 11.54 38.84 7.30 46.14 5.49 51.64 6.52 58.16 4.50 62.66 2.18 64.84 1.55 66.39 2.29 68.68 1.33 70.01 3.56 73.57 2.04 75.60 6.78 82.39 6.36 88.75 5.75 94.50 4.59 99.09 0.91 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 52 2 2 2 2 2 1 2 7 0 0 0 0 0 11 10 29 17 13 17 169

52 54 56 58 60 62 63 65 72 72 72 72 72 72 83 93 122 139 152 169

30.77 30.77 1.18 31.95 1.18 33.14 1.18 34.32 1.18 35.50 1.18 36.69 0.59 37.28 1.18 38.46 4.14 42.60 0.00 42.60 0.00 42.60 0.00 42.60 0.00 42.60 0.00 42.60 6.51 49.11 5.92 55.03 17.16 72.19 10.06 82.25 7.69 89.94 10.06 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 542.93 85.00 60.85 103.23 0.00 36.00 0.00 3.82 110.98 0.00 0.00 0.00 0.00 0.00 211.39 342.35 358.81 1,289.60 48.59 246.74 3,440.28

542.93 627.93 688.78 792.00 792.00 828.00 828.00 831.82 942.80 942.80 942.80 942.80 942.80 942.80 1,154.19 1,496.54 1,855.35 3,144.95 3,193.54 3,440.28

15.78 15.78 91.58 2.47 18.25 12.73 1.77 20.02 5.78 3.00 23.02 13.98 0.00 23.02 0.00 1.05 24.07 4.41 0.00 24.07 0.00 0.11 24.18 0.52 3.23 27.40 22.07 0.00 27.40 0.00 0.00 27.40 0.00 0.00 27.40 0.00 0.00 27.40 0.00 0.00 27.40 0.00 6.14 33.55 92.73 9.95 43.50 45.16 10.43 53.93 50.44 37.49 91.42 200.76 1.41 92.83 9.48 7.17 100.00 241.67

91.58 49.82 29.77 25.95 18.24 16.05 14.35 12.80 13.46 13.01 12.71 12.28 12.05 11.47 13.66 16.25 18.70 29.78 28.84 30.78

30.78

Page 34 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 16 - KALIMANTAN SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,703 2,784 3,294 1,658 1,564 864 479 426 208 149 98 131 64 97 74 102 63 66 62 30 14,916

2,703 5,487 8,781 10,439 12,003 12,867 13,346 13,772 13,980 14,129 14,227 14,358 14,422 14,519 14,593 14,695 14,758 14,824 14,886 14,916

18.12 18.12 18.66 36.79 22.08 58.87 11.12 69.99 10.49 80.47 5.79 86.26 3.21 89.47 2.86 92.33 1.39 93.72 1.00 94.72 0.66 95.38 0.88 96.26 0.43 96.69 0.65 97.34 0.50 97.83 0.68 98.52 0.42 98.94 0.44 99.38 0.42 99.80 0.20 100.00

1,136.80 784.40 1,438.85 1,100.47 1,781.08 1,401.59 1,065.02 1,167.89 834.06 750.01 458.49 733.99 438.05 1,261.99 563.77 1,599.34 1,160.31 601.15 940.23 416.60 19,634.08

1,136.80 1,921.20 3,360.06 4,460.52 6,241.60 7,643.19 8,708.21 9,876.10 10,710.16 11,460.17 11,918.66 12,652.65 13,090.70 14,352.69 14,916.45 16,515.79 17,676.10 18,277.25 19,217.48 19,634.08

5.79 5.79 4.00 9.79 7.33 17.11 5.60 22.72 9.07 31.79 7.14 38.93 5.42 44.35 5.95 50.30 4.25 54.55 3.82 58.37 2.34 60.70 3.74 64.44 2.23 66.67 6.43 73.10 2.87 75.97 8.15 84.12 5.91 90.03 3.06 93.09 4.79 97.88 2.12 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 14 20 12 0 9 3 2 6 0 0 7 2 2 0 6 0 5 10 24 0 122

14 34 46 46 55 58 60 66 66 66 73 75 77 77 83 83 88 98 122 122

11.48 11.48 16.39 27.87 9.84 37.70 0.00 37.70 7.38 45.08 2.46 47.54 1.64 49.18 4.92 54.10 0.00 54.10 0.00 54.10 5.74 59.84 1.64 61.48 1.64 63.11 0.00 63.11 4.92 68.03 0.00 68.03 4.10 72.13 8.20 80.33 19.67 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 281.43 320.00 704.44 0.00 431.71 199.90 0.00 32.34 0.00 0.00 124.06 9.14 4,636.60 0.00 131.38 0.00 226.60 395.38 1,693.42 0.00 9,186.41

281.43 601.43 1,305.87 1,305.87 1,737.58 1,937.48 1,937.48 1,969.82 1,969.82 1,969.82 2,093.88 2,103.02 6,739.62 6,739.62 6,871.01 6,871.01 7,097.61 7,492.99 9,186.41 9,186.41

3.06 3.06 3.48 6.55 7.67 14.22 0.00 14.22 4.70 18.91 2.18 21.09 0.00 21.09 0.35 21.44 0.00 21.44 0.00 21.44 1.35 22.79 0.10 22.89 50.47 73.37 0.00 73.37 1.43 74.80 0.00 74.80 2.47 77.26 4.30 81.57 18.43 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012 LOSS RATIO PERCENTAGE BAND CUM. 24.76 40.80 48.96 0.00 24.24 14.26 0.00 2.77 0.00 0.00 27.06 1.25 1,058.46 0.00 23.30 0.00 19.53 65.77 180.11 0.00

24.76 31.30 38.86 29.28 27.84 25.35 22.25 19.95 18.39 17.19 17.57 16.62 51.48 46.96 46.06 41.60 40.15 41.00 47.80 46.79

46.79

Page 35 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 17 - KALIMANTAN TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,958 3,112 4,465 2,927 3,448 1,742 1,283 942 514 226 193 221 137 197 103 168 140 67 76 61 22,980

2,958 6,070 10,535 13,462 16,910 18,652 19,935 20,877 21,391 21,617 21,810 22,031 22,168 22,365 22,468 22,636 22,776 22,843 22,919 22,980

12.87 12.87 13.54 26.41 19.43 45.84 12.74 58.58 15.00 73.59 7.58 81.17 5.58 86.75 4.10 90.85 2.24 93.09 0.98 94.07 0.84 94.91 0.96 95.87 0.60 96.47 0.86 97.32 0.45 97.77 0.73 98.50 0.61 99.11 0.29 99.40 0.33 99.73 0.27 100.00

2,473.22 1,194.66 2,395.59 2,596.13 4,366.19 3,800.02 4,096.89 3,586.26 2,799.29 1,114.17 1,213.16 1,577.90 1,303.31 1,812.08 1,155.85 3,523.06 3,108.76 1,929.19 4,641.83 12,214.25 60,901.80

2,473.22 3,667.87 6,063.46 8,659.59 13,025.78 16,825.79 20,922.69 24,508.94 27,308.23 28,422.41 29,635.57 31,213.47 32,516.78 34,328.86 35,484.71 39,007.77 42,116.52 44,045.72 48,687.54 60,901.80

4.06 4.06 1.96 6.02 3.93 9.96 4.26 14.22 7.17 21.39 6.24 27.63 6.73 34.35 5.89 40.24 4.60 44.84 1.83 46.67 1.99 48.66 2.59 51.25 2.14 53.39 2.98 56.37 1.90 58.27 5.78 64.05 5.10 69.15 3.17 72.32 7.62 79.94 20.06 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 38 11 16 14 14 25 12 6 13 2 0 0 2 2 4 16 25 2 35 16 253

38 49 65 79 93 118 130 136 149 151 151 151 153 155 159 175 200 202 237 253

15.02 15.02 4.35 19.37 6.32 25.69 5.53 31.23 5.53 36.76 9.88 46.64 4.74 51.38 2.37 53.75 5.14 58.89 0.79 59.68 0.00 59.68 0.00 59.68 0.79 60.47 0.79 61.26 1.58 62.85 6.32 69.17 9.88 79.05 0.79 79.84 13.83 93.68 6.32 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 777.79 86.95 517.51 571.97 279.32 1,970.34 239.59 282.90 187.16 12.03 0.00 0.00 250.06 1.01 34.19 652.36 357.05 136.70 1,094.79 1,618.41 9,070.12

777.79 864.74 1,382.25 1,954.22 2,233.54 4,203.87 4,443.46 4,726.36 4,913.52 4,925.55 4,925.55 4,925.55 5,175.61 5,176.61 5,210.81 5,863.17 6,220.22 6,356.92 7,451.71 9,070.12

8.58 8.58 0.96 9.53 5.71 15.24 6.31 21.55 3.08 24.63 21.72 46.35 2.64 48.99 3.12 52.11 2.06 54.17 0.13 54.31 0.00 54.31 0.00 54.31 2.76 57.06 0.01 57.07 0.38 57.45 7.19 64.64 3.94 68.58 1.51 70.09 12.07 82.16 17.84 100.00

31.45 7.28 21.60 22.03 6.40 51.85 5.85 7.89 6.69 1.08 0.00 0.00 19.19 0.06 2.96 18.52 11.49 7.09 23.59 13.25

31.45 23.58 22.80 22.57 17.15 24.98 21.24 19.28 17.99 17.33 16.62 15.78 15.92 15.08 14.68 15.03 14.77 14.43 15.31 14.89

14.89

Page 36 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 18 - SULAWESI UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,378 1,563 2,310 1,341 1,468 863 649 604 311 165 121 159 72 137 85 70 59 21 32 7 11,415

1,378 2,941 5,251 6,592 8,060 8,923 9,572 10,176 10,487 10,652 10,773 10,932 11,004 11,141 11,226 11,296 11,355 11,376 11,408 11,415

12.07 12.07 13.69 25.76 20.24 46.00 11.75 57.75 12.86 70.61 7.56 78.17 5.69 83.85 5.29 89.15 2.72 91.87 1.45 93.32 1.06 94.38 1.39 95.77 0.63 96.40 1.20 97.60 0.74 98.34 0.61 98.96 0.52 99.47 0.18 99.66 0.28 99.94 0.06 100.00

621.11 373.49 896.40 805.99 1,440.63 1,250.05 1,363.44 1,880.40 1,423.51 842.19 659.87 928.24 506.23 1,168.00 833.22 806.47 897.59 167.38 151.39 84.61 17,100.21

621.11 994.60 1,891.00 2,696.99 4,137.62 5,387.67 6,751.10 8,631.50 10,055.02 10,897.21 11,557.09 12,485.32 12,991.55 14,159.55 14,992.77 15,799.24 16,696.83 16,864.21 17,015.60 17,100.21

3.63 3.63 2.18 5.82 5.24 11.06 4.71 15.77 8.42 24.20 7.31 31.51 7.97 39.48 11.00 50.48 8.32 58.80 4.93 63.73 3.86 67.58 5.43 73.01 2.96 75.97 6.83 82.80 4.87 87.68 4.72 92.39 5.25 97.64 0.98 98.62 0.89 99.51 0.49 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 10 2 6 4 9 4 8 4 0 2 2 5 3 0 2 6 6 8 0 0 81

10 12 18 22 31 35 43 47 47 49 51 56 59 59 61 67 73 81 81 81

12.35 12.35 2.47 14.81 7.41 22.22 4.94 27.16 11.11 38.27 4.94 43.21 9.88 53.09 4.94 58.02 0.00 58.02 2.47 60.49 2.47 62.96 6.17 69.14 3.70 72.84 0.00 72.84 2.47 75.31 7.41 82.72 7.41 90.12 9.88 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,608.49 53.80 134.33 323.70 761.68 166.87 1.40 743.08 0.00 191.63 761.79 83.86 167.60 0.00 1,291.02 1,658.10 72.34 472.39 0.00 0.00 8,492.07

1,608.49 1,662.29 1,796.62 2,120.31 2,881.99 3,048.86 3,050.25 3,793.33 3,793.33 3,984.96 4,746.76 4,830.62 4,998.22 4,998.22 6,289.24 7,947.34 8,019.68 8,492.07 8,492.07 8,492.07

18.94 18.94 0.63 19.57 1.58 21.16 3.81 24.97 8.97 33.94 1.96 35.90 0.02 35.92 8.75 44.67 0.00 44.67 2.26 46.93 8.97 55.90 0.99 56.88 1.97 58.86 0.00 58.86 15.20 74.06 19.53 93.59 0.85 94.44 5.56 100.00 0.00 100.00 0.00 100.00

258.97 258.97 14.40 167.13 14.99 95.01 40.16 78.62 52.87 69.65 13.35 56.59 0.10 45.18 39.52 43.95 0.00 37.73 22.75 36.57 115.45 41.07 9.03 38.69 33.11 38.47 0.00 35.30 154.94 41.95 205.60 50.30 8.06 48.03 282.23 50.36 0.00 49.91 0.00 49.66 49.66

Page 37 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 19 - SULAWESI TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,496 1,038 1,175 724 772 413 269 280 141 77 61 64 33 58 36 31 35 14 14 1 6,732

1,496 2,534 3,709 4,433 5,205 5,618 5,887 6,167 6,308 6,385 6,446 6,510 6,543 6,601 6,637 6,668 6,703 6,717 6,731 6,732

22.22 22.22 15.42 37.64 17.45 55.10 10.75 65.85 11.47 77.32 6.13 83.45 4.00 87.45 4.16 91.61 2.09 93.70 1.14 94.85 0.91 95.75 0.95 96.70 0.49 97.19 0.86 98.05 0.53 98.59 0.46 99.05 0.52 99.57 0.21 99.78 0.21 99.99 0.01 100.00

304.91 344.67 645.69 664.90 1,163.43 969.88 904.70 1,249.95 942.56 449.75 368.25 465.65 393.86 519.72 427.98 901.54 338.00 168.05 126.20 2.03 11,351.71

304.91 649.58 1,295.27 1,960.17 3,123.60 4,093.48 4,998.18 6,248.12 7,190.68 7,640.43 8,008.68 8,474.34 8,868.20 9,387.91 9,815.89 10,717.43 11,055.43 11,223.48 11,349.68 11,351.71

2.69 2.69 3.04 5.72 5.69 11.41 5.86 17.27 10.25 27.52 8.54 36.06 7.97 44.03 11.01 55.04 8.30 63.34 3.96 67.31 3.24 70.55 4.10 74.65 3.47 78.12 4.58 82.70 3.77 86.47 7.94 94.41 2.98 97.39 1.48 98.87 1.11 99.98 0.02 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 5 2 0 0 0 0 0 0 4 0 0 0 0 0 0 3 0 14

0 0 0 5 7 7 7 7 7 7 7 11 11 11 11 11 11 11 14 14

0.00 0.00 0.00 0.00 0.00 0.00 35.71 35.71 14.29 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 28.57 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 0.00 78.57 21.43 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 103.16 137.30 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 1,372.82

0.00 0.00 0.00 103.16 240.46 240.46 240.46 240.46 240.46 240.46 240.46 314.77 314.77 314.77 314.77 314.77 314.77 314.77 1,372.82 1,372.82

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.51 7.51 15.52 10.00 17.52 11.80 0.00 17.52 0.00 0.00 17.52 0.00 0.00 17.52 0.00 0.00 17.52 0.00 0.00 17.52 0.00 0.00 17.52 0.00 5.41 22.93 15.96 0.00 22.93 0.00 0.00 22.93 0.00 0.00 22.93 0.00 0.00 22.93 0.00 0.00 22.93 0.00 0.00 22.93 0.00 77.07 100.00 838.38 0.00 100.00 0.00

0.00 0.00 0.00 5.26 7.70 5.87 4.81 3.85 3.34 3.15 3.00 3.71 3.55 3.35 3.21 2.94 2.85 2.80 12.10 12.09

12.09

Page 38 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 20 - SULAWESI SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,044 5,583 6,276 3,491 3,439 1,779 1,061 934 471 292 226 238 178 209 147 162 125 58 68 22 29,803

5,044 10,627 16,903 20,394 23,833 25,612 26,673 27,607 28,078 28,370 28,596 28,834 29,012 29,221 29,368 29,530 29,655 29,713 29,781 29,803

16.92 16.92 18.73 35.66 21.06 56.72 11.71 68.43 11.54 79.97 5.97 85.94 3.56 89.50 3.13 92.63 1.58 94.21 0.98 95.19 0.76 95.95 0.80 96.75 0.60 97.35 0.70 98.05 0.49 98.54 0.54 99.08 0.42 99.50 0.19 99.70 0.23 99.93 0.07 100.00

1,473.01 1,267.43 2,734.00 2,878.11 4,885.00 3,348.39 2,413.69 2,893.43 1,916.58 1,280.98 1,304.17 1,425.62 1,186.13 1,421.07 1,299.21 2,079.29 1,860.25 1,520.37 1,245.30 2,298.65 40,730.67

1,473.01 2,740.44 5,474.44 8,352.55 13,237.55 16,585.94 18,999.63 21,893.06 23,809.64 25,090.62 26,394.79 27,820.41 29,006.53 30,427.60 31,726.81 33,806.10 35,666.35 37,186.72 38,432.02 40,730.67

3.62 3.62 3.11 6.73 6.71 13.44 7.07 20.51 11.99 32.50 8.22 40.72 5.93 46.65 7.10 53.75 4.71 58.46 3.15 61.60 3.20 64.80 3.50 68.30 2.91 71.22 3.49 74.70 3.19 77.89 5.10 83.00 4.57 87.57 3.73 91.30 3.06 94.36 5.64 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 34 13 11 8 7 12 2 8 2 9 4 0 2 3 9 2 4 11 13 12 166

34 47 58 66 73 85 87 95 97 106 110 110 112 115 124 126 130 141 154 166

20.48 20.48 7.83 28.31 6.63 34.94 4.82 39.76 4.22 43.98 7.23 51.20 1.20 52.41 4.82 57.23 1.20 58.43 5.42 63.86 2.41 66.27 0.00 66.27 1.20 67.47 1.81 69.28 5.42 74.70 1.20 75.90 2.41 78.31 6.63 84.94 7.83 92.77 7.23 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,463.00 263.73 167.03 435.06 250.67 256.99 78.18 56.15 0.91 276.69 70.54 0.00 3,819.54 18.03 2,340.64 100.42 83.42 204.36 1,739.46 1,918.61 14,543.43

2,463.00 2,726.73 2,893.76 3,328.82 3,579.49 3,836.48 3,914.66 3,970.81 3,971.73 4,248.41 4,318.95 4,318.95 8,138.49 8,156.52 10,497.17 10,597.59 10,681.01 10,885.37 12,624.83 14,543.43

16.94 16.94 1.81 18.75 1.15 19.90 2.99 22.89 1.72 24.61 1.77 26.38 0.54 26.92 0.39 27.30 0.01 27.31 1.90 29.21 0.49 29.70 0.00 29.70 26.26 55.96 0.12 56.08 16.09 72.18 0.69 72.87 0.57 73.44 1.41 74.85 11.96 86.81 13.19 100.00

167.21 167.21 20.81 99.50 6.11 52.86 15.12 39.85 5.13 27.04 7.68 23.13 3.24 20.60 1.94 18.14 0.05 16.68 21.60 16.93 5.41 16.36 0.00 15.52 322.02 28.06 1.27 26.81 180.16 33.09 4.83 31.35 4.48 29.95 13.44 29.27 139.68 32.85 83.47 35.71 35.71

Page 39 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 21 - SULAWESI TENGGARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 689 824 1,012 583 602 328 216 183 79 37 15 29 32 24 3 22 14 3 1 2 4,698

689 1,513 2,525 3,108 3,710 4,038 4,254 4,437 4,516 4,553 4,568 4,597 4,629 4,653 4,656 4,678 4,692 4,695 4,696 4,698

14.67 14.67 17.54 32.21 21.54 53.75 12.41 66.16 12.81 78.97 6.98 85.95 4.60 90.55 3.90 94.44 1.68 96.13 0.79 96.91 0.32 97.23 0.62 97.85 0.68 98.53 0.51 99.04 0.06 99.11 0.47 99.57 0.30 99.87 0.06 99.94 0.02 99.96 0.04 100.00

150.12 162.23 402.18 472.41 875.15 708.04 603.91 651.82 390.29 162.89 98.14 244.15 169.45 119.46 43.94 143.81 271.97 49.60 1.27 75.10 5,795.95

150.12 312.35 714.54 1,186.94 2,062.10 2,770.14 3,374.05 4,025.87 4,416.16 4,579.05 4,677.19 4,921.34 5,090.79 5,210.25 5,254.20 5,398.01 5,669.98 5,719.58 5,720.85 5,795.95

2.59 2.59 2.80 5.39 6.94 12.33 8.15 20.48 15.10 35.58 12.22 47.79 10.42 58.21 11.25 69.46 6.73 76.19 2.81 79.00 1.69 80.70 4.21 84.91 2.92 87.83 2.06 89.89 0.76 90.65 2.48 93.13 4.69 97.83 0.86 98.68 0.02 98.70 1.30 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 4 4 2 2 0 3 0 0 5 0 1 0 0 0 0 0 0 0 0 21

0 4 8 10 12 12 15 15 15 20 20 21 21 21 21 21 21 21 21 21

0.00 19.05 19.05 9.52 9.52 0.00 14.29 0.00 0.00 23.81 0.00 4.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 19.05 38.10 47.62 57.14 57.14 71.43 71.43 71.43 95.24 95.24 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 0.00 445.60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,199.69

0.00 153.23 459.82 638.88 647.76 647.76 754.09 754.09 754.09 1,199.69 1,199.69 1,199.69 1,199.69 1,199.69 1,199.69 1,199.69 1,199.69 1,199.69 1,199.69 1,199.69

0.00 12.77 25.56 14.93 0.74 0.00 8.86 0.00 0.00 37.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 12.77 94.45 38.33 76.23 53.25 37.90 53.99 1.02 53.99 0.00 62.86 17.61 62.86 0.00 62.86 0.00 100.00 273.55 100.00 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 49.06 64.35 53.83 31.41 23.38 22.35 18.73 17.08 26.20 25.65 24.38 23.57 23.03 22.83 22.22 21.16 20.98 20.97 20.70

20.70

Page 40 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 22 - BALI

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,617 3,027 3,510 2,467 2,797 1,740 1,577 1,388 934 522 389 466 263 358 181 308 211 74 80 47 23,956

3,617 6,644 10,154 12,621 15,418 17,158 18,735 20,123 21,057 21,579 21,968 22,434 22,697 23,055 23,236 23,544 23,755 23,829 23,909 23,956

15.10 15.10 12.64 27.73 14.65 42.39 10.30 52.68 11.68 64.36 7.26 71.62 6.58 78.21 5.79 84.00 3.90 87.90 2.18 90.08 1.62 91.70 1.95 93.65 1.10 94.74 1.49 96.24 0.76 96.99 1.29 98.28 0.88 99.16 0.31 99.47 0.33 99.80 0.20 100.00

2,089.88 715.31 1,152.67 1,340.67 2,509.86 5,001.16 2,844.62 3,106.69 2,646.01 1,863.08 1,486.19 2,388.02 1,575.91 2,665.30 1,736.25 3,564.40 2,667.25 1,038.73 1,095.19 1,541.05 43,028.23

2,089.88 2,805.19 3,957.86 5,298.54 7,808.40 12,809.56 15,654.17 18,760.87 21,406.87 23,269.95 24,756.14 27,144.15 28,720.06 31,385.36 33,121.61 36,686.01 39,353.26 40,391.99 41,487.18 43,028.23

4.86 4.86 1.66 6.52 2.68 9.20 3.12 12.31 5.83 18.15 11.62 29.77 6.61 36.38 7.22 43.60 6.15 49.75 4.33 54.08 3.45 57.53 5.55 63.08 3.66 66.75 6.19 72.94 4.04 76.98 8.28 85.26 6.20 91.46 2.41 93.87 2.55 96.42 3.58 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 29 3 6 13 7 10 36 21 52 17 7 32 6 16 0 40 31 26 32 35 419

29 32 38 51 58 68 104 125 177 194 201 233 239 255 255 295 326 352 384 419

6.92 6.92 0.72 7.64 1.43 9.07 3.10 12.17 1.67 13.84 2.39 16.23 8.59 24.82 5.01 29.83 12.41 42.24 4.06 46.30 1.67 47.97 7.64 55.61 1.43 57.04 3.82 60.86 0.00 60.86 9.55 70.41 7.40 77.80 6.21 84.01 7.64 91.65 8.35 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 620.51 0.00 96.40 173.00 396.79 785.49 1,464.43 310.65 746.54 210.61 43.49 502.29 40.18 49.24 0.00 1,585.74 356.29 340.33 1,289.24 619.83 9,631.05

620.51 620.51 716.91 889.91 1,286.70 2,072.19 3,536.62 3,847.26 4,593.80 4,804.41 4,847.90 5,350.20 5,390.38 5,439.62 5,439.62 7,025.36 7,381.65 7,721.97 9,011.22 9,631.05

6.44 6.44 29.69 0.00 6.44 0.00 1.00 7.44 8.36 1.80 9.24 12.90 4.12 13.36 15.81 8.16 21.52 15.71 15.21 36.72 51.48 3.23 39.95 10.00 7.75 47.70 28.21 2.19 49.88 11.30 0.45 50.34 2.93 5.22 55.55 21.03 0.42 55.97 2.55 0.51 56.48 1.85 0.00 56.48 0.00 16.46 72.94 44.49 3.70 76.64 13.36 3.53 80.18 32.76 13.39 93.56 117.72 6.44 100.00 40.22

29.69 22.12 18.11 16.80 16.48 16.18 22.59 20.51 21.46 20.65 19.58 19.71 18.77 17.33 16.42 19.15 18.76 19.12 21.72 22.38

22.38

Page 41 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 23 - NUSA TENGGARA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

1,111 1,338 1,443 756 663 377 223 199 103 44 51 53 41 40 14 31 10 10 7 2

0 2 4 11 3 14 6 0 9 0 0 0 0 0 3 166 4 6 0 0

6,516

1,111 2,449 3,892 4,648 5,311 5,688 5,911 6,110 6,213 6,257 6,308 6,361 6,402 6,442 6,456 6,487 6,497 6,507 6,514 6,516

17.05 17.05 20.53 37.58 22.15 59.73 11.60 71.33 10.17 81.51 5.79 87.29 3.42 90.72 3.05 93.77 1.58 95.35 0.68 96.03 0.78 96.81 0.81 97.62 0.63 98.25 0.61 98.86 0.21 99.08 0.48 99.55 0.15 99.71 0.15 99.86 0.11 99.97 0.03 100.00

295.06 363.45 707.46 619.35 868.61 748.27 617.18 538.80 391.14 184.47 307.35 329.72 394.95 385.05 122.51 902.36 100.50 86.83 74.83 20.21 8,058.10

295.06 658.51 1,365.96 1,985.31 2,853.93 3,602.20 4,219.38 4,758.18 5,149.32 5,333.79 5,641.14 5,970.86 6,365.81 6,750.86 6,873.37 7,775.73 7,876.23 7,963.06 8,037.89 8,058.10

3.66 3.66 4.51 8.17 8.78 16.95 7.69 24.64 10.78 35.42 9.29 44.70 7.66 52.36 6.69 59.05 4.85 63.90 2.29 66.19 3.81 70.01 4.09 74.10 4.90 79.00 4.78 83.78 1.52 85.30 11.20 96.50 1.25 97.74 1.08 98.82 0.93 99.75 0.25 100.00

228

0 2 6 17 20 34 40 40 49 49 49 49 49 49 52 218 222 228 228 228

0.00 0.00 0.88 0.88 1.75 2.63 4.82 7.46 1.32 8.77 6.14 14.91 2.63 17.54 0.00 17.54 3.95 21.49 0.00 21.49 0.00 21.49 0.00 21.49 0.00 21.49 0.00 21.49 1.32 22.81 72.81 95.61 1.75 97.37 2.63 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 7.56 92.27 55.72 172.73 25.31 14.67 0.00 49.26 0.00 0.00 0.00 0.00 0.00 248.35 1,138.33 19.79 32.90 0.00 0.00 1,856.89

0.00 7.56 99.83 155.55 328.28 353.59 368.26 368.26 417.52 417.52 417.52 417.52 417.52 417.52 665.87 1,804.20 1,823.99 1,856.89 1,856.89 1,856.89

0.00 0.00 0.00 0.41 0.41 2.08 4.97 5.38 13.04 3.00 8.38 9.00 9.30 17.68 19.89 1.36 19.04 3.38 0.79 19.83 2.38 0.00 19.83 0.00 2.65 22.48 12.59 0.00 22.48 0.00 0.00 22.48 0.00 0.00 22.48 0.00 0.00 22.48 0.00 0.00 22.48 0.00 13.37 35.86 202.72 61.30 97.16 126.15 1.07 98.23 19.69 1.77 100.00 37.89 0.00 100.00 0.00 0.00 100.00 0.00

0.00 1.15 7.31 7.84 11.50 9.82 8.73 7.74 8.11 7.83 7.40 6.99 6.56 6.18 9.69 23.20 23.16 23.32 23.10 23.04

23.04

Page 42 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 24 - NUSA TENGGARA TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 724 836 1,026 579 622 443 248 194 111 61 39 38 22 33 8 11 9 3 1 1 5,009

724 1,560 2,586 3,165 3,787 4,230 4,478 4,672 4,783 4,844 4,883 4,921 4,943 4,976 4,984 4,995 5,004 5,007 5,008 5,009

14.45 14.45 16.69 31.14 20.48 51.63 11.56 63.19 12.42 75.60 8.84 84.45 4.95 89.40 3.87 93.27 2.22 95.49 1.22 96.71 0.78 97.48 0.76 98.24 0.44 98.68 0.66 99.34 0.16 99.50 0.22 99.72 0.18 99.90 0.06 99.96 0.02 99.98 0.02 100.00

154.59 243.38 531.14 537.94 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) 7,809.37

154.59 397.97 929.10 1,467.04 2,525.12 3,535.07 4,353.69 5,206.40 5,831.15 6,176.61 6,395.79 6,725.12 6,881.59 7,068.73 7,112.31 7,201.81 7,420.21 7,811.29 7,809.91 7,809.37

1.98 1.98 3.12 5.10 6.80 11.90 6.89 18.79 13.55 32.33 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 2 0 1 0 0 2 0 2 0 0 0 0 2 0 0 3 0 0 12

0 0 2 2 3 3 3 5 5 7 7 7 7 7 9 9 9 12 12 12

0.00 0.00 0.00 0.00 16.67 16.67 0.00 16.67 8.33 25.00 0.00 25.00 0.00 25.00 16.67 41.67 0.00 41.67 16.67 58.33 0.00 58.33 0.00 58.33 0.00 58.33 0.00 58.33 16.67 75.00 0.00 75.00 0.00 75.00 25.00 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 90.70 0.00 0.00 0.00 0.00 27.63 0.00 15.61 0.00 0.00 0.00 0.00 16.15 0.00 0.00 70.85 0.00 0.00 220.93

0.00 0.00 90.70 90.70 90.70 90.70 90.70 118.32 118.32 133.93 133.93 133.93 133.93 133.93 150.09 150.09 150.09 220.93 220.93 220.93

0.00 0.00 0.00 0.00 41.05 41.05 0.00 41.05 0.00 41.05 0.00 41.05 0.00 41.05 12.50 53.56 0.00 53.56 7.07 60.62 0.00 60.62 0.00 60.62 0.00 60.62 0.00 60.62 7.31 67.93 0.00 67.93 0.00 67.93 32.07 100.00 0.00 100.00 0.00 100.00

0.00 0.00 17.08 0.00 0.00 0.00 0.00 3.24 0.00 4.52 0.00 0.00 0.00 0.00 37.06 0.00 0.00 18.12 0.00 0.00

0.00 0.00 9.76 6.18 3.59 2.57 2.08 2.27 2.03 2.17 2.09 1.99 1.95 1.89 2.11 2.08 2.02 2.83 2.83 2.83

2.83

Page 43 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

BAND

SUM INSURED (in million) From To

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

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

TOTAL FR, IAR, LOP, EQ 2008 25 - MALUKU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 178 297 298 185 220 116 108 97 44 26 24 17 14 17 11 22 10 1 2 2 1,689

178 475 773 958 1,178 1,294 1,402 1,499 1,543 1,569 1,593 1,610 1,624 1,641 1,652 1,674 1,684 1,685 1,687 1,689

10.54 10.54 17.58 28.12 17.64 45.77 10 95 56.72 10.95 56 72 13.03 69.75 6.87 76.61 6.39 83.01 5.74 88.75 2.61 91.36 1.54 92.90 1.42 94.32 1.01 95.32 0.83 96.15 1.01 97.16 0.65 97.81 1.30 99.11 0.59 99.70 0.06 99.76 0.12 99.88 0.12 100.00

53.57 82.80 183.31 162 20 162.20 387.63 268.46 382.38 443.73 237.61 151.24 148.36 92.03 176.24 184.32 98.65 186.40 90.65 11.45 0.99 13.33 3,355.33

53.57 136.37 319.68 481 88 481.88 869.51 1,137.97 1,520.35 1,964.07 2,201.68 2,352.91 2,501.28 2,593.31 2,769.55 2,953.87 3,052.52 3,238.91 3,329.57 3,341.02 3,342.00 3,355.33

1.60 1.60 2.47 4.06 5.46 9.53 4 83 14.36 4.83 14 36 11.55 25.91 8.00 33.92 11.40 45.31 13.22 58.54 7.08 65.62 4.51 70.12 4.42 74.55 2.74 77.29 5.25 82.54 5.49 88.03 2.94 90.98 5.56 96.53 2.70 99.23 0.34 99.57 0.03 99.60 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 0.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 0.00

0.00

Page 44 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 26 - IRIAN JAYA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 704 641 974 700 759 443 306 261 157 88 63 79 39 60 25 31 28 5 9 0 5,372

704 1,345 2,319 3,019 3,778 4,221 4,527 4,788 4,945 5,033 5,096 5,175 5,214 5,274 5,299 5,330 5,358 5,363 5,372 5,372

13.10 13.10 11.93 25.04 18.13 43.17 13.03 56.20 14.13 70.33 8.25 78.57 5.70 84.27 4.86 89.13 2.92 92.05 1.64 93.69 1.17 94.86 1.47 96.33 0.73 97.06 1.12 98.18 0.47 98.64 0.58 99.22 0.52 99.74 0.09 99.83 0.17 100.00 0.00 100.00

257.90 169.63 435.72 606.64 1,104.69 1,134.55 1,118.27 1,328.07 956.11 660.20 480.79 638.37 503.73 733.83 441.45 302.50 252.66 98.54 166.72 0.00 11,390.38

257.90 427.53 863.25 1,469.89 2,574.59 3,709.13 4,827.40 6,155.48 7,111.59 7,771.79 8,252.57 8,890.95 9,394.68 10,128.51 10,569.96 10,872.46 11,125.12 11,223.66 11,390.38 11,390.38

2.26 2.26 1.49 3.75 3.83 7.58 5.33 12.90 9.70 22.60 9.96 32.56 9.82 42.38 11.66 54.04 8.39 62.44 5.80 68.23 4.22 72.45 5.60 78.06 4.42 82.48 6.44 88.92 3.88 92.80 2.66 95.45 2.22 97.67 0.87 98.54 1.46 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 13 2 6 3 8 0 0 0 0 0 0 2 0 0 0 0 0 2 0 0 36

13 15 21 24 32 32 32 32 32 32 32 34 34 34 34 34 34 36 36 36

36.11 36.11 5.56 41.67 16.67 58.33 8.33 66.67 22.22 88.89 0.00 88.89 0.00 88.89 0.00 88.89 0.00 88.89 0.00 88.89 0.00 88.89 5.56 94.44 0.00 94.44 0.00 94.44 0.00 94.44 0.00 94.44 0.00 94.44 5.56 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,992.96 50.72 150.80 237.78 512.47 0.00 0.00 0.00 0.00 0.00 0.00 22.69 0.00 0.00 0.00 0.00 0.00 70.94 0.00 0.00 3,038.35

1,992.96 2,043.68 2,194.48 2,432.26 2,944.73 2,944.73 2,944.73 2,944.73 2,944.73 2,944.73 2,944.73 2,967.41 2,967.41 2,967.41 2,967.41 2,967.41 2,967.41 3,038.35 3,038.35 3,038.35

65.59 65.59 772.77 772.77 1.67 67.26 29.90 478.02 4.96 72.23 34.61 254.21 7.83 80.05 39.20 165.47 16.87 96.92 46.39 114.38 0.00 96.92 0.00 79.39 0.00 96.92 0.00 61.00 0.00 96.92 0.00 47.84 0.00 96.92 0.00 41.41 0.00 96.92 0.00 37.89 0.00 96.92 0.00 35.68 0.75 97.67 3.55 33.38 0.00 97.67 0.00 31.59 0.00 97.67 0.00 29.30 0.00 97.67 0.00 28.07 0.00 97.67 0.00 27.29 0.00 97.67 0.00 26.67 2.33 100.00 71.99 27.07 0.00 100.00 0.00 26.67 0.00 100.00 0.00 26.67 26.67

Page 45 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 27 - MALUKU UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 132 164 211 85 127 100 95 93 59 34 8 16 16 15 3 4 1 1 7 0 1,171

132 296 507 592 719 819 914 1,007 1,066 1,100 1,108 1,124 1,140 1,155 1,158 1,162 1,163 1,164 1,171 1,171

11.27 11.27 14.01 25.28 18.02 43.30 7.26 50.56 10.85 61.40 8.54 69.94 8.11 78.05 7.94 85.99 5.04 91.03 2.90 93.94 0.68 94.62 1.37 95.99 1.37 97.35 1.28 98.63 0.26 98.89 0.34 99.23 0.09 99.32 0.09 99.40 0.60 100.00 0.00 100.00

28.09 36.23 119.32 83.19 202.33 251.74 363.41 463.32 419.84 282.63 72.01 157.19 165.88 206.11 72.21 69.22 2.88 18.78 317.25 0.00 3,331.62

28.09 64.32 183.64 266.82 469.15 720.89 1,084.30 1,547.62 1,967.46 2,250.09 2,322.10 2,479.29 2,645.17 2,851.28 2,923.48 2,992.70 2,995.58 3,014.36 3,331.62 3,331.62

0.84 0.84 1.09 1.93 3.58 5.51 2.50 8.01 6.07 14.08 7.56 21.64 10.91 32.55 13.91 46.45 12.60 59.05 8.48 67.54 2.16 69.70 4.72 74.42 4.98 79.40 6.19 85.58 2.17 87.75 2.08 89.83 0.09 89.91 0.56 90.48 9.52 100.00 0.00 100.00

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

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

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.64 100.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00 15.64 0.00 100.00

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 0.79 0.69 0.67 0.63 0.59 0.55 0.53 0.52 0.52 0.52 0.47 0.47

0.47

Page 46 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 28 - IRIAN JAYA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 294 344 506 232 234 152 109 60 67 22 24 20 14 18 11 14 7 3 1 3 2,135

294 638 1,144 1,376 1,610 1,762 1,871 1,931 1,998 2,020 2,044 2,064 2,078 2,096 2,107 2,121 2,128 2,131 2,132 2,135

13.77 13.77 16.11 29.88 23.70 53.58 10.87 64.45 10.96 75.41 7.12 82.53 5.11 87.63 2.81 90.44 3.14 93.58 1.03 94.61 1.12 95.74 0.94 96.67 0.66 97.33 0.84 98.17 0.52 98.69 0.66 99.34 0.33 99.67 0.14 99.81 0.05 99.86 0.14 100.00

143.09 57.72 163.60 147.79 317.56 382.13 344.88 265.17 331.28 142.68 197.11 155.50 146.06 118.74 151.66 279.14 123.97 42.00 2.68 4.32 3,517.06

143.09 200.80 364.40 512.19 829.75 1,211.88 1,556.76 1,821.93 2,153.21 2,295.89 2,493.00 2,648.50 2,794.56 2,913.29 3,064.95 3,344.09 3,468.06 3,510.06 3,512.74 3,517.06

4.07 4.07 1.64 5.71 4.65 10.36 4.20 14.56 9.03 23.59 10.87 34.46 9.81 44.26 7.54 51.80 9.42 61.22 4.06 65.28 5.60 70.88 4.42 75.30 4.15 79.46 3.38 82.83 4.31 87.15 7.94 95.08 3.52 98.61 1.19 99.80 0.08 99.88 0.12 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 2 4 0 3 0 0 0 0 2 0 4 0 0 0 2 2 0 0 0 21

2 4 8 8 11 11 11 11 11 13 13 17 17 17 17 19 21 21 21 21

9.52 9.52 19.05 0.00 14.29 0.00 0.00 0.00 0.00 9.52 0.00 19.05 0.00 0.00 0.00 9.52 9.52 0.00 0.00 0.00

9.52 19.05 38.10 38.10 52.38 52.38 52.38 52.38 52.38 61.90 61.90 80.95 80.95 80.95 80.95 90.48 100.00 100.00 100.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 100.00 8.73 0.00 85.03 0.00 0.00 0.00 0.00 102.79 0.00 113.38 0.00 0.00 0.00 759.88 522.27 0.00 0.00 0.00 1,692.08

0.00 100.00 108.73 108.73 193.77 193.77 193.77 193.77 193.77 296.56 296.56 409.93 409.93 409.93 409.93 1,169.82 1,692.08 1,692.08 1,692.08 1,692.08

0.00 5.91 0.52 0.00 5.03 0.00 0.00 0.00 0.00 6.07 0.00 6.70 0.00 0.00 0.00 44.91 30.87 0.00 0.00 0.00

0.00 0.00 5.91 173.26 6.43 5.34 6.43 0.00 11.45 26.78 11.45 0.00 11.45 0.00 11.45 0.00 11.45 0.00 17.53 72.04 17.53 0.00 24.23 72.91 24.23 0.00 24.23 0.00 24.23 0.00 69.13 272.23 100.00 421.28 100.00 0.00 100.00 0.00 100.00 0.00

0.00 49.80 29.84 21.23 23.35 15.99 12.45 10.64 9.00 12.92 11.90 15.48 14.67 14.07 13.37 34.98 48.79 48.21 48.17 48.11

48.11

Page 47 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 29 - BANTEN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 7,129 7,772 10,759 7,242 7,575 3,710 2,300 1,863 1,115 680 617 715 565 781 504 897 831 391 557 180 56,183

7,129 14,901 25,660 32,902 40,477 44,187 46,487 48,350 49,465 50,145 50,762 51,477 52,042 52,823 53,327 54,224 55,055 55,446 56,003 56,183

12.69 12.69 13.83 26.52 19.15 45.67 12.89 58.56 13.48 72.04 6.60 78.65 4.09 82.74 3.32 86.06 1.98 88.04 1.21 89.25 1.10 90.35 1.27 91.62 1.01 92.63 1.39 94.02 0.90 94.92 1.60 96.51 1.48 97.99 0.70 98.69 0.99 99.68 0.32 100.00

8,510.02 8,510.02 1,706.77 10,216.79 3,490.57 13,707.36 4,080.20 17,787.57 5,666.68 23,454.24 4,344.86 27,799.10 3,731.77 31,530.87 4,177.77 35,708.64 3,508.61 39,217.24 2,544.88 41,762.12 2,579.81 44,341.93 3,701.84 48,043.77 3,517.86 51,561.62 5,943.95 57,505.58 5,066.66 62,572.24 11,071.19 73,643.43 14,804.18 88,447.62 6,516.91 94,964.52 4,673.64 99,638.16 5,272.70 104,910.86 104,910.86

8.11 8.11 1.63 9.74 3.33 13.07 3.89 16.95 5.40 22.36 4.14 26.50 3.56 30.05 3.98 34.04 3.34 37.38 2.43 39.81 2.46 42.27 3.53 45.79 3.35 49.15 5.67 54.81 4.83 59.64 10.55 70.20 14.11 84.31 6.21 90.52 4.45 94.97 5.03 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 78 25 27 26 40 35 35 29 12 15 23 20 14 44 30 84 89 64 56 69 815

78 103 130 156 196 231 266 295 307 322 345 365 379 423 453 537 626 690 746 815

9.57 9.57 3.07 12.64 3.31 15.95 3.19 19.14 4.91 24.05 4.29 28.34 4.29 32.64 3.56 36.20 1.47 37.67 1.84 39.51 2.82 42.33 2.45 44.79 1.72 46.50 5.40 51.90 3.68 55.58 10.31 65.89 10.92 76.81 7.85 84.66 6.87 91.53 8.47 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 6,061.14 429.95 327.47 724.75 9,381.56 766.39 3,882.38 555.38 1,495.84 481.36 635.33 1,510.99 855.69 3,281.73 1,318.37 25,710.32 1,639.83 8,006.59 2,921.95 5,952.18 75,939.20

6,061.14 6,491.09 6,818.56 7,543.30 16,924.86 17,691.25 21,573.63 22,129.01 23,624.84 24,106.20 24,741.53 26,252.53 27,108.21 30,389.94 31,708.32 57,418.64 59,058.47 67,065.07 69,987.02 75,939.20

7.98 7.98 0.57 8.55 0.43 8.98 0.95 9.93 12.35 22.29 1.01 23.30 5.11 28.41 0.73 29.14 1.97 31.11 0.63 31.74 0.84 32.58 1.99 34.57 1.13 35.70 4.32 40.02 1.74 41.75 33.86 75.61 2.16 77.77 10.54 88.31 3.85 92.16 7.84 100.00

71.22 25.19 9.38 17.76 165.56 17.64 104.04 13.29 42.63 18.91 24.63 40.82 24.32 55.21 26.02 232.23 11.08 122.86 62.52 112.89

71.22 63.53 49.74 42.41 72.16 63.64 68.42 61.97 60.24 57.72 55.80 54.64 52.57 52.85 50.67 77.97 66.77 70.62 70.24 72.38

72.38

Page 48 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 30 - BANGKA BELITUNG

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 304 342 405 288 349 262 171 133 63 37 24 23 28 33 12 19 21 13 18 15 2,560

304 646 1,051 1,339 1,688 1,950 2,121 2,254 2,317 2,354 2,378 2,401 2,429 2,462 2,474 2,493 2,514 2,527 2,545 2,560

11.88 11.88 13.36 25.23 15.82 41.05 11.25 52.30 13.63 65.94 10.23 76.17 6.68 82.85 5.20 88.05 2.46 90.51 1.45 91.95 0.94 92.89 0.90 93.79 1.09 94.88 1.29 96.17 0.47 96.64 0.74 97.38 0.82 98.20 0.51 98.71 0.70 99.41 0.59 100.00

262.11 71.22 159.50 185.86 399.58 398.23 375.07 365.65 266.66 157.84 142.37 108.70 142.80 236.86 89.23 208.46 205.47 169.69 366.52 91.59 4,403.41

262.11 333.33 492.83 678.69 1,078.27 1,476.50 1,851.57 2,217.22 2,483.88 2,641.72 2,784.09 2,892.78 3,035.58 3,272.44 3,361.67 3,570.14 3,775.60 3,945.29 4,311.82 4,403.41

5.95 5.95 1.62 7.57 3.62 11.19 4.22 15.41 9.07 24.49 9.04 33.53 8.52 42.05 8.30 50.35 6.06 56.41 3.58 59.99 3.23 63.23 2.47 65.69 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 F BAND CUM. 7 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 4 11 2 29

7 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 12 16 27 29

24.14 24.14 10.34 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 0.00 34.48 6.90 41.38 13.79 55.17 37.93 93.10 6.90 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 407.55 249.73 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.62 98.74 433.79 2.06 1,202.49

407.55 657.27 657.27 657.27 657.27 657.27 657.27 657.27 657.27 657.27 657.27 657.27 657.27 657.27 657.27 657.27 667.90 766.64 1,200.43 1,202.49

33.89 33.89 155.48 155.48 20.77 54.66 350.66 197.18 0.00 54.66 0.00 133.37 0.00 54.66 0.00 96.84 0.00 54.66 0.00 60.96 0.00 54.66 0.00 44.52 0.00 54.66 0.00 35.50 0.00 54.66 0.00 29.64 0.00 54.66 0.00 26.46 0.00 54.66 0.00 24.88 0.00 54.66 0.00 23.61 0.00 54.66 0.00 22.72 0.00 54.66 0.00 21.65 0.00 54.66 0.00 20.09 0.00 54.66 0.00 19.55 0.00 54.66 0.00 18.41 0.88 55.54 5.17 17.69 8.21 63.75 58.19 19.43 36.07 99.83 118.35 27.84 0.17 100.00 2.25 27.31 27.31

Page 49 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 31 - GORONTALO

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 230 357 424 238 276 180 94 77 52 28 21 18 13 12 5 10 12 4 1 0 2,052

230 587 1,011 1,249 1,525 1,705 1,799 1,876 1,928 1,956 1,977 1,995 2,008 2,020 2,025 2,035 2,047 2,051 2,052 2,052

11.21 11.21 17.40 28.61 20.66 49.27 11.60 60.87 13.45 74.32 8.77 83.09 4.58 87.67 3.75 91.42 2.53 93.96 1.36 95.32 1.02 96.35 0.88 97.22 0.63 97.86 0.58 98.44 0.24 98.68 0.49 99.17 0.58 99.76 0.19 99.95 0.05 100.00 0.00 100.00

43.73 97.20 193.81 173.84 311.98 317.87 298.58 279.79 282.54 188.42 100.67 156.80 114.52 232.48 56.09 22.65 122.06 42.41 24.99 0.00 3,060.44

43.73 140.93 334.75 508.59 820.57 1,138.43 1,437.01 1,716.80 1,999.34 2,187.76 2,288.43 2,445.23 2,559.75 2,792.23 2,848.32 2,870.98 2,993.04 3,035.44 3,060.44 3,060.44

1.43 1.43 3.18 4.61 6.33 10.94 5.68 16.62 10.19 26.81 10.39 37.20 9.76 46.95 9.14 56.10 9.23 65.33 6.16 71.49 3.29 74.77 5.12 79.90 3.74 83.64 7.60 91.24 1.83 93.07 0.74 93.81 3.99 97.80 1.39 99.18 0.82 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 6 2 2 0 9 2 0 0 6 0 0 3 3 3 0 0 0 0 36

0 0 6 8 10 10 19 21 21 21 27 27 27 30 33 36 36 36 36 36

0.00 0.00 16.67 5.56 5.56 0.00 25.00 5.56 0.00 0.00 16.67 0.00 0.00 8.33 8.33 8.33 0.00 0.00 0.00 0.00

0.00 0.00 16.67 22.22 27.78 27.78 52.78 58.33 58.33 58.33 75.00 75.00 75.00 83.33 91.67 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 215.07 1.75 0.59 0.00 979.34 473.08 0.00 0.00 135.59 0.00 0.00 152.22 443.56 50.99 0.00 0.00 0.00 0.00 2,452.19

0.00 0.00 215.07 216.82 217.41 217.41 1,196.75 1,669.83 1,669.83 1,669.83 1,805.42 1,805.42 1,805.42 1,957.64 2,401.20 2,452.19 2,452.19 2,452.19 2,452.19 2,452.19

0.00 0.00 8.77 0.07 0.02 0.00 39.94 19.29 0.00 0.00 5.53 0.00 0.00 6.21 18.09 2.08 0.00 0.00 0.00 0.00

0.00 0.00 8.77 8.84 8.87 8.87 48.80 68.10 68.10 68.10 73.62 73.62 73.62 79.83 97.92 100.00 100.00 100.00 100.00 100.00

0.00 0.00 110.97 1.01 0.19 0.00 328.00 169.08 0.00 0.00 134.68 0.00 0.00 65.48 790.74 225.08 0.00 0.00 0.00 0.00

0.00 0.00 64.25 42.63 26.50 19.10 83.28 97.26 83.52 76.33 78.89 73.83 70.53 70.11 84.30 85.41 81.93 80.79 80.13 80.13

80.13

Page 50 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2008 32 - KEPULAUAN RIAU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,330 2,666 3,163 2,100 2,174 971 674 438 311 152 97 155 65 146 90 125 128 56 98 41 15,980

2,330 4,996 8,159 10,259 12,433 13,404 14,078 14,516 14,827 14,979 15,076 15,231 15,296 15,442 15,532 15,657 15,785 15,841 15,939 15,980

14.58 14.58 16.68 31.26 19.79 51.06 13.14 64.20 13.60 77.80 6.08 83.88 4.22 88.10 2.74 90.84 1.95 92.78 0.95 93.74 0.61 94.34 0.97 95.31 0.41 95.72 0.91 96.63 0.56 97.20 0.78 97.98 0.80 98.78 0.35 99.13 0.61 99.74 0.26 100.00

1,459.24 497.38 1,054.44 1,449.86 2,521.22 1,658.42 1,523.69 1,388.03 1,136.15 665.23 493.80 907.79 722.40 1,340.15 947.50 1,822.64 2,426.98 1,129.18 3,824.53 6,535.61 33,504.23

1,459.24 1,956.62 3,011.06 4,460.92 6,982.14 8,640.56 10,164.25 11,552.27 12,688.42 13,353.65 13,847.45 14,755.24 15,477.64 16,817.79 17,765.29 19,587.93 22,014.92 23,144.09 26,968.62 33,504.23

4.36 4.36 1.48 5.84 3.15 8.99 4.33 13.31 7.53 20.84 4.95 25.79 4.55 30.34 4.14 34.48 3.39 37.87 1.99 39.86 1.47 41.33 2.71 44.04 2.16 46.20 4.00 50.20 2.83 53.02 5.44 58.46 7.24 65.71 3.37 69.08 11.42 80.49 19.51 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 16 2 9 9 6 11 2 8 4 6 0 2 2 13 0 12 10 5 28 0 145

16 18 27 36 42 53 55 63 67 73 73 75 77 90 90 102 112 117 145 145

11.03 11.03 1.38 12.41 6.21 18.62 6.21 24.83 4.14 28.97 7.59 36.55 1.38 37.93 5.52 43.45 2.76 46.21 4.14 50.34 0.00 50.34 1.38 51.72 1.38 53.10 8.97 62.07 0.00 62.07 8.28 70.34 6.90 77.24 3.45 80.69 19.31 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 3,694.41 0.96 97.99 246.86 939.87 871.37 17.10 118.54 4.28 50.10 0.00 6.19 36.78 83.87 0.00 8,665.30 108.31 274.84 6,384.51 0.00 21,601.27

3,694.41 3,695.36 3,793.35 4,040.21 4,980.08 5,851.46 5,868.56 5,987.09 5,991.37 6,041.47 6,041.47 6,047.66 6,084.44 6,168.31 6,168.31 14,833.62 14,941.93 15,216.77 21,601.27 21,601.27

17.10 17.10 253.17 253.17 0.00 17.11 0.19 188.86 0.45 17.56 9.29 125.98 1.14 18.70 17.03 90.57 4.35 23.05 37.28 71.33 4.03 27.09 52.54 67.72 0.08 27.17 1.12 57.74 0.55 27.72 8.54 51.83 0.02 27.74 0.38 47.22 0.23 27.97 7.53 45.24 0.00 27.97 0.00 43.63 0.03 28.00 0.68 40.99 0.17 28.17 5.09 39.31 0.39 28.56 6.26 36.68 0.00 28.56 0.00 34.72 40.11 68.67 475.42 75.73 0.50 69.17 4.46 67.87 1.27 70.44 24.34 65.75 29.56 100.00 166.94 80.10 0.00 100.00 0.00 64.47 64.47

Page 51 of 204

RISK AND LOSS PROFILE 2009

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 ALL CODE NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 198,098 162,070 214,006 136,005 155,086 82,782 60,933 49,423 28,198 15,901 12,572 15,441 10,301 13,970 8,635 14,743 13,726 6,879 8,399 3,023

1,210,191

198,098 360,168 574,174 710,179 865,265 948,047 1,008,980 1,058,403 1,086,601 1,102,502 1,115,074 1,130,515 1,140,816 1,154,786 1,163,421 1,178,164 1,191,890 1,198,769 1,207,168 1,210,191

16.37 16.37 13.39 29.76 17.68 47.44 11.24 58.68 12.82 71.50 6.84 78.34 5.03 83.37 4.08 87.46 2.33 89.79 1.31 91.10 1.04 92.14 1.28 93.42 0.85 94.27 1.15 95.42 0.71 96.14 1.22 97.35 1.13 98.49 0.57 99.06 0.69 99.75 0.25 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 129,809.60 35,262.57 80,575.04 78,556.59 136,636.21 105,692.62 108,357.31 111,871.48 83,683.25 58,530.11 57,229.52 72,480.81 58,571.97 92,186.61 71,205.80 163,175.77 165,445.77 81,121.55 118,547.97 118,179.83 1,927,120.38

129,809.60 165,072.17 245,647.21 324,203.80 460,840.01 566,532.63 674,889.94 786,761.42 870,444.67 928,974.78 986,204.31 1,058,685.12 1,117,257.08 1,209,443.70 1,280,649.50 1,443,825.27 1,609,271.03 1,690,392.58 1,808,940.55 1,927,120.38

6.74 6.74 1.83 8.57 4.18 12.75 4.08 16.82 7.09 23.91 5.48 29.40 5.62 35.02 5.81 40.83 4.34 45.17 3.04 48.21 2.97 51.18 3.76 54.94 3.04 57.98 4.78 62.76 3.69 66.45 8.47 74.92 8.59 83.51 4.21 87.72 6.15 93.87 6.13 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2,001 498 987 721 956 635 581 659 423 313 307 425 340 614 623 1,002 1,315 880 1,689 1,237 16,206

2,001 2,499 3,486 4,207 5,163 5,798 6,379 7,038 7,461 7,774 8,081 8,506 8,846 9,460 10,083 11,085 12,400 13,280 14,969 16,206

12.35 12.35 3.07 15.42 6.09 21.51 4.45 25.96 5.90 31.86 3.92 35.78 3.59 39.36 4.07 43.43 2.61 46.04 1.93 47.97 1.89 49.86 2.62 52.49 2.10 54.58 3.79 58.37 3.84 62.22 6.18 68.40 8.11 76.51 5.43 81.94 10.42 92.37 7.63 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 178,677.88 9,512.52 25,699.21 27,431.63 52,444.12 35,107.05 43,220.15 31,606.77 38,079.96 24,646.71 22,277.26 35,743.31 31,014.20 60,893.34 38,313.40 111,323.10 240,701.63 160,188.81 348,209.54 111,594.06 1,626,684.65

178,677.88 188,190.40 213,889.60 241,321.24 293,765.35 328,872.41 372,092.56 403,699.33 441,779.29 466,426.00 488,703.26 524,446.57 555,460.77 616,354.11 654,667.51 765,990.61 1,006,692.25 1,166,881.06 1,515,090.60 1,626,684.66

10.98 10.98 0.58 11.57 1.58 13.15 1.69 14.84 3.22 18.06 2.16 20.22 2.66 22.87 1.94 24.82 2.34 27.16 1.52 28.67 1.37 30.04 2.20 32.24 1.91 34.15 3.74 37.89 2.36 40.25 6.84 47.09 14.80 61.89 9.85 71.73 21.41 93.14 6.86 100.00

137.65 137.65 26.98 114.00 31.89 87.07 34.92 74.44 38.38 63.75 33.22 58.05 39.89 55.13 28.25 51.31 45.50 50.75 42.11 50.21 38.93 49.55 49.31 49.54 52.95 49.72 66.05 50.96 53.81 51.12 68.22 53.05 145.49 62.56 197.47 69.03 293.73 83.76 94.43 84.41 84.41

Page 52 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

FIRE (FR) 2009 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 161,131 148,036 192,448 120,491 131,624 65,259 44,415 32,672 16,927 8,863 6,676 7,497 4,658 5,820 3,101 4,843 4,446 2,126 2,584 1,145 964,762

161,131 309,167 501,615 622,106 753,730 818,989 863,404 896,076 913,003 921,866 928,542 936,039 940,697 946,517 949,618 954,461 958,907 961,033 963,617 964,762

16.70 16.70 15.34 32.05 19.95 51.99 12.49 64.48 13.64 78.13 6.76 84.89 4.60 89.49 3.39 92.88 1.75 94.64 0.92 95.55 0.69 96.25 0.78 97.02 0.48 97.51 0.60 98.11 0.32 98.43 0.50 98.93 0.46 99.39 0.22 99.61 0.27 99.88 0.12 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 64,797.43 31,544.66 73,327.53 71,665.36 121,457.11 90,780.26 87,292.12 85,237.63 58,943.22 39,306.52 35,860.07 43,821.22 34,185.91 50,307.44 33,612.26 67,987.10 55,040.10 25,569.43 26,130.21 26,213.08 1,123,078.65

64,797.43 96,342.08 169,669.61 241,334.97 362,792.08 453,572.34 540,864.46 626,102.09 685,045.30 724,351.83 760,211.90 804,033.12 838,219.03 888,526.47 922,138.73 990,125.83 1,045,165.93 1,070,735.36 1,096,865.57 1,123,078.65

5.77 5.77 2.81 8.58 6.53 15.11 6.38 21.49 10.81 32.30 8.08 40.39 7.77 48.16 7.59 55.75 5.25 61.00 3.50 64.50 3.19 67.69 3.90 71.59 3.04 74.64 4.48 79.12 2.99 82.11 6.05 88.16 4.90 93.06 2.28 95.34 2.33 97.67 2.33 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

764 325 537 366 450 268 246 257 115 81 96 113 100 166 110 393 429 199 340 295

59,790.37 7,245.91 17,670.17 16,873.38 25,910.31 13,907.03 23,028.81 19,784.41 16,955.49 13,098.46 10,702.00 6,808.08 17,883.02 10,991.62 5,604.13 41,867.04 72,088.53 32,231.51 97,317.34 6,666.57

5,650

764 1,089 1,626 1,992 2,442 2,710 2,956 3,213 3,328 3,409 3,505 3,618 3,718 3,884 3,994 4,387 4,816 5,015 5,355 5,650

13.52 13.52 5.75 19.27 9.50 28.78 6.48 35.26 7.96 43.22 4.74 47.96 4.35 52.32 4.55 56.87 2.04 58.90 1.43 60.34 1.70 62.04 2.00 64.04 1.77 65.81 2.94 68.74 1.95 70.69 6.96 77.65 7.59 85.24 3.52 88.76 6.02 94.78 5.22 100.00

516,424.16

59,790.37 67,036.28 84,706.44 101,579.82 127,490.13 141,397.16 164,425.97 184,210.38 201,165.87 214,264.33 224,966.33 231,774.41 249,657.43 260,649.05 266,253.17 308,120.21 380,208.74 412,440.25 509,757.59 516,424.16

11.58 11.58 92.27 1.40 12.98 22.97 3.42 16.40 24.10 3.27 19.67 23.54 5.02 24.69 21.33 2.69 27.38 15.32 4.46 31.84 26.38 3.83 35.67 23.21 3.28 38.95 28.77 2.54 41.49 33.32 2.07 43.56 29.84 1.32 44.88 15.54 3.46 48.34 52.31 2.13 50.47 21.85 1.09 51.56 16.67 8.11 59.66 61.58 13.96 73.62 130.97 6.24 79.86 126.05 18.84 98.71 372.43 1.29 100.00 25.43

92.27 69.58 49.92 42.09 35.14 31.17 30.40 29.42 29.37 29.58 29.59 28.83 29.78 29.33 28.87 31.12 36.38 38.52 46.47 45.98

45.98

Page 53 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

INDUSTRIAL ALL RISK (IAR) 2009 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 21,898 8,549 12,559 9,488 15,030 11,462 10,887 11,065 7,428 4,486 3,724 4,890 3,307 4,697 3,077 5,590 5,068 2,610 3,119 923 149,857

21,898 30,447 43,006 52,494 67,524 78,986 89,873 100,938 108,366 112,852 116,576 121,466 124,773 129,470 132,547 138,137 143,205 145,815 148,934 149,857

14.61 14.61 5.70 20.32 8.38 28.70 6.33 35.03 10.03 45.06 7.65 52.71 7.26 59.97 7.38 67.36 4.96 72.31 2.99 75.31 2.49 77.79 3.26 81.05 2.21 83.26 3.13 86.40 2.05 88.45 3.73 92.18 3.38 95.56 1.74 97.30 2.08 99.38 0.62 100.00

30,158.23 1,789.70 4,338.51 4,314.06 10,520.11 10,182.44 15,300.72 18,897.44 17,583.13 13,722.39 15,085.25 19,191.92 16,217.45 28,112.93 24,516.44 55,722.36 64,077.42 28,670.39 46,627.39 65,234.24 490,262.54

30,158.23 31,947.93 36,286.44 40,600.50 51,120.61 61,303.05 76,603.78 95,501.22 113,084.35 126,806.74 141,892.00 161,083.92 177,301.37 205,414.30 229,930.74 285,653.10 349,730.52 378,400.91 425,028.30 490,262.54

6.15 6.15 0.37 6.52 0.88 7.40 0.88 8.28 2.15 10.43 2.08 12.50 3.12 15.63 3.85 19.48 3.59 23.07 2.80 25.87 3.08 28.94 3.91 32.86 3.31 36.16 5.73 41.90 5.00 46.90 11.37 58.27 13.07 71.34 5.85 77.18 9.51 86.69 13.31 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,070 93 226 187 249 198 213 305 193 167 117 206 144 378 429 527 803 632 1,294 933 8,364

1,070 1,163 1,389 1,576 1,825 2,023 2,236 2,541 2,734 2,901 3,018 3,224 3,368 3,746 4,175 4,702 5,505 6,137 7,431 8,364

12.79 12.79 1.11 13.90 2.70 16.61 2.24 18.84 2.98 21.82 2.37 24.19 2.55 26.73 3.65 30.38 2.31 32.69 2.00 34.68 1.40 36.08 2.46 38.55 1.72 40.27 4.52 44.79 5.13 49.92 6.30 56.22 9.60 65.82 7.56 73.37 15.47 88.85 11.15 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 105,967.79 1,213.33 4,721.97 5,384.10 5,914.81 4,279.39 11,740.72 7,549.05 7,915.00 5,444.98 8,081.86 16,285.93 5,441.71 41,236.10 13,683.22 55,984.84 98,685.66 110,772.65 216,165.85 101,104.73 827,573.70

105,967.79 107,181.12 111,903.09 117,287.20 123,202.01 127,481.40 139,222.12 146,771.16 154,686.16 160,131.14 168,213.00 184,498.94 189,940.65 231,176.75 244,859.97 300,844.81 399,530.47 510,303.12 726,468.97 827,573.70

12.80 12.80 0.15 12.95 0.57 13.52 0.65 14.17 0.71 14.89 0.52 15.40 1.42 16.82 0.91 17.74 0.96 18.69 0.66 19.35 0.98 20.33 1.97 22.29 0.66 22.95 4.98 27.93 1.65 29.59 6.76 36.35 11.92 48.28 13.39 61.66 26.12 87.78 12.22 100.00

351.37 67.80 108.84 124.80 56.22 42.03 76.73 39.95 45.01 39.68 53.57 84.86 33.55 146.68 55.81 100.47 154.01 386.37 463.60 154.99

351.37 335.49 308.39 288.88 241.00 207.95 181.74 153.69 136.79 126.28 118.55 114.54 107.13 112.54 106.49 105.32 114.24 134.86 170.92 168.80

168.80

Page 54 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

LOSS OF PROFIT (LOP) 2009 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1 11 2 1 16 15 7 17 10 6 5 5 10 9 13 22 25 10 15 12 212

1 12 14 15 31 46 53 70 80 86 91 96 106 115 128 150 175 185 200 212

0.47 0.47 5.19 5.66 0.94 6.60 0.47 7.08 7.55 14.62 7.08 21.70 3.30 25.00 8.02 33.02 4.72 37.74 2.83 40.57 2.36 42.92 2.36 45.28 4.72 50.00 4.25 54.25 6.13 60.38 10.38 70.75 11.79 82.55 4.72 87.26 7.08 94.34 5.66 100.00

0.10 9.91 0.60 0.00 7.22 5.32 8.98 23.02 7.41 11.60 3.52 (0.39) 33.29 35.50 57.86 36.22 137.15 (119.67) 33.99 14.76 306.42

0.10 0.03 0.03 10.01 3.24 3.27 10.61 0.20 3.46 10.61 0.00 3.46 17.83 2.36 5.82 23.15 1.74 7.56 32.14 2.93 10.49 55.16 7.51 18.00 62.58 2.42 20.42 74.18 3.79 24.21 77.70 1.15 25.36 77.31 (0.13) 25.23 110.61 10.87 36.10 146.11 11.59 47.68 203.96 18.88 66.56 240.18 11.82 78.38 377.34 44.76 123.14 257.67 (39.05) 84.09 291.66 11.09 95.18 306.42 4.82 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 4 0 0 0 0 0 0 0 4 8

0 0 0 0 0 0 0 0 0 0 0 4 4 4 4 4 4 4 4 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 50.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 50.00 100.00

CLAIM SEVERITY (in million Rupiah) 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 0.00 148.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,343.73 1,492.25

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 148.53 148.53 148.53 148.53 148.53 148.53 148.53 148.53 1,492.25

: : :

01/01/2009 15/12/2011 15/04/2012 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 9.95 9.95 (38,194.42) 0.00 9.95 0.00 0.00 9.95 0.00 0.00 9.95 0.00 0.00 9.95 0.00 0.00 9.95 0.00 0.00 9.95 0.00 0.00 9.95 0.00 90.05 100.00 9,103.15

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 192.11 134.28 101.66 72.82 61.84 39.36 57.64 50.92 486.99

486.99

Page 55 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

EARTHQUAKE (EQ) 2009 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 15,068 5,474 8,997 6,026 8,415 6,046 5,624 5,669 3,833 2,546 2,167 3,049 2,326 3,444 2,444 4,288 4,187 2,133 2,681 943 95,360

15,068 20,542 29,539 35,565 43,980 50,026 55,650 61,319 65,152 67,698 69,865 72,914 75,240 78,684 81,128 85,416 89,603 91,736 94,417 95,360

15.80 15.80 5.74 21.54 9.43 30.98 6.32 37.30 8.82 46.12 6.34 52.46 5.90 58.36 5.94 64.30 4.02 68.32 2.67 70.99 2.27 73.26 3.20 76.46 2.44 78.90 3.61 82.51 2.56 85.08 4.50 89.57 4.39 93.96 2.24 96.20 2.81 99.01 0.99 100.00

34,853.84 1,918.30 2,908.40 2,577.17 4,651.77 4,724.60 5,755.48 7,713.39 7,149.49 5,489.59 6,280.68 9,468.06 8,135.32 13,730.74 13,019.25 39,430.08 46,191.10 27,001.39 45,756.38 26,717.75 313,472.77

34,853.84 36,772.14 39,680.54 42,257.71 46,909.49 51,634.09 57,389.57 65,102.95 72,252.44 77,742.03 84,022.71 93,490.76 101,626.08 115,356.82 128,376.07 167,806.15 213,997.25 240,998.64 286,755.02 313,472.77

11.12 11.12 0.61 11.73 0.93 12.66 0.82 13.48 1.48 14.96 1.51 16.47 1.84 18.31 2.46 20.77 2.28 23.05 1.75 24.80 2.00 26.80 3.02 29.82 2.60 32.42 4.38 36.80 4.15 40.95 12.58 53.53 14.74 68.27 8.61 76.88 14.60 91.48 8.52 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

167 80 224 168 257 169 122 97 115 65 94 102 96 70 84 82 83 49 55 5

12,919.72 1,053.27 3,307.07 5,174.15 20,618.99 16,920.63 8,450.63 4,273.30 13,209.47 6,103.28 3,493.39 12,500.77 7,689.47 8,665.62 19,026.05 13,471.22 69,927.45 17,184.65 34,726.35 2,479.03

2,184

167 247 471 639 896 1,065 1,187 1,284 1,399 1,464 1,558 1,660 1,756 1,826 1,910 1,992 2,075 2,124 2,179 2,184

7.65 7.65 3.66 11.31 10.26 21.57 7.69 29.26 11.77 41.03 7.74 48.76 5.59 54.35 4.44 58.79 5.27 64.06 2.98 67.03 4.30 71.34 4.67 76.01 4.40 80.40 3.21 83.61 3.85 87.45 3.75 91.21 3.80 95.01 2.24 97.25 2.52 99.77 0.23 100.00

281,194.54

12,919.72 13,973.00 17,280.07 22,454.22 43,073.21 59,993.85 68,444.48 72,717.78 85,927.26 92,030.53 95,523.93 108,024.70 115,714.17 124,379.79 143,405.84 156,877.06 226,804.51 243,989.16 278,715.51 281,194.54

4.59 4.59 0.37 4.97 1.18 6.15 1.84 7.99 7.33 15.32 6.02 21.34 3.01 24.34 1.52 25.86 4.70 30.56 2.17 32.73 1.24 33.97 4.45 38.42 2.73 41.15 3.08 44.23 6.77 51.00 4.79 55.79 24.87 80.66 6.11 86.77 12.35 99.12 0.88 100.00

37.07 54.91 113.71 200.77 443.25 358.14 146.83 55.40 184.76 111.18 55.62 132.03 94.52 63.11 146.14 34.16 151.39 63.64 75.89 9.28

37.07 38.00 43.55 53.14 91.82 116.19 119.26 111.70 118.93 118.38 113.69 115.55 113.86 107.82 111.71 93.49 105.98 101.24 97.20 89.70

89.70

Page 56 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ DATA POSITION FROM 2009 DATA POSITION TO 20 PROCESSING DATE Mining, Drilling, Installations, Salt Mines, Peat Extraction, Metallurgical Plants (Instalasi Pertambangan, Pengeboran, Tambang Garam (Mineral), Penggalian Tanah, Pabrik Pengolahan/Pengecoran Logam Logam) NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 181 34 74 54 86 47 55 74 61 58 45 76 49 74 59 110 211 149 207 115 1,819

181 215 289 343 429 476 531 605 666 724 769 845 894 968 1,027 1,137 1,348 1,497 1,704 1,819

9.95 9.95 1.87 11.82 4.07 15.89 2.97 18.86 4.73 23.58 2.58 26.17 3.02 29.19 4.07 33.26 3.35 36.61 3.19 39.80 2.47 42.28 4.18 46.45 2.69 49.15 4.07 53.22 3.24 56.46 6.05 62.51 11.60 74.11 8.19 82.30 11.38 93.68 6.32 100.00

1,371.41 5.28 33.33 53.16 65.90 71.60 94.36 190.93 150.03 149.89 130.85 541.65 253.85 495.21 541.59 1,366.65 1,843.22 1,718.61 1,820.44 3,652.98 14,550.93

1,371.41 1,376.69 1,410.02 1,463.17 1,529.07 1,600.67 1,695.03 1,885.96 2,035.99 2,185.88 2,316.73 2,858.37 3,112.23 3,607.43 4,149.02 5,515.67 7,358.89 9,077.50 10,897.95 14,550.93

9.42 9.42 0.04 9.46 0.23 9.69 0.37 10.06 0.45 10.51 0.49 11.00 0.65 11.65 1.31 12.96 1.03 13.99 1.03 15.02 0.90 15.92 3.72 19.64 1.74 21.39 3.40 24.79 3.72 28.51 9.39 37.91 12.67 50.57 11.81 62.38 12.51 74.90 25.10 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 11 0 1 4 0 0 1 2 0 0 0 0 9 4 3 8 11 17 66 60 197

11 11 12 16 16 16 17 19 19 19 19 19 28 32 35 43 54 71 137 197

5.58 5.58 0.00 5.58 0.51 6.09 2.03 8.12 0.00 8.12 0.00 8.12 0.51 8.63 1.02 9.64 0.00 9.64 0.00 9.64 0.00 9.64 0.00 9.64 4.57 14.21 2.03 16.24 1.52 17.77 4.06 21.83 5.58 27.41 8.63 36.04 33.50 69.54 30.46 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM.

LOSS RATIO PERCENTAGE BAND CUM.

3,984.90 0.00 0.00 1,330.77 0.00 0.00 0.00 5.05 0.00 0.00 0.00 0.00 375.55 84.10 309.20 124.25 460.53 2,961.46 10,292.55 2,495.05

290.57 0.00 0.00 2,503.42 0.00 0.00 0.00 2.65 0.00 0.00 0.00 0.00 147.94 16.98 57.09 9.09 24.98 172.32 565.39 68.30

22,423.42

3,984.90 3,984.90 3,984.90 5,315.67 5,315.67 5,315.67 5,315.67 5,320.73 5,320.73 5,320.73 5,320.73 5,320.73 5,696.28 5,780.38 6,089.58 6,213.83 6,674.35 9,635.81 19,928.36 22,423.42

17.77 17.77 0.00 17.77 0.00 17.77 5.93 23.71 0.00 23.71 0.00 23.71 0.00 23.71 0.02 23.73 0.00 23.73 0.00 23.73 0.00 23.73 0.00 23.73 1.67 25.40 0.38 25.78 1.38 27.16 0.55 27.71 2.05 29.77 13.21 42.97 45.90 88.87 11.13 100.00

290.57 289.46 282.61 363.30 347.64 332.09 313.60 282.12 261.33 243.41 229.67 186.15 183.03 160.24 146.77 112.66 90.70 106.15 182.86 154.10

154.10

Page 57 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 21 Stone, Earth, (Animal) Bones or Shells

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/12/2011 15/04/2012

(Batuan, Tanah, Tulang/Rangka Hewan)

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 ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 834 112 112 104 135 86 121 97 108 62 73 68 65 111 65 172 273 135 284 118 3,135

834 946 1,058 1,162 1,297 1,383 1,504 1,601 1,709 1,771 1,844 1,912 1,977 2,088 2,153 2,325 2,598 2,733 3,017 3,135

26.60 26.60 3.57 30.18 3.57 33.75 3.32 37.07 4.31 41.37 2.74 44.11 3.86 47.97 3.09 51.07 3.44 54.51 1.98 56.49 2.33 58.82 2.17 60.99 2.07 63.06 3.54 66.60 2.07 68.68 5.49 74.16 8.71 82.87 4.31 87.18 9.06 96.24 3.76 100.00

905.99 31.68 56.77 66.98 141.29 93.85 153.96 219.18 283.11 228.83 388.97 326.90 325.29 639.71 555.11 1,590.12 2,822.81 1,221.75 4,094.51 454.25 14,601.07

905.99 937.68 994.44 1,061.42 1,202.71 1,296.57 1,450.52 1,669.71 1,952.81 2,181.65 2,570.61 2,897.51 3,222.80 3,862.51 4,417.62 6,007.75 8,830.56 10,052.31 14,146.82 14,601.07

6.20 6.20 0.22 6.42 0.39 6.81 0.46 7.27 0.97 8.24 0.64 8.88 1.05 9.93 1.50 11.44 1.94 13.37 1.57 14.94 2.66 17.61 2.24 19.84 2.23 22.07 4.38 26.45 3.80 30.26 10.89 41.15 19.33 60.48 8.37 68.85 28.04 96.89 3.11 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 43 4 0 2 0 0 11 4 0 2 6 0 0 2 7 6 15 12 37 14 165

43 47 47 49 49 49 60 64 64 66 72 72 72 74 81 87 102 114 151 165

26.06 26.06 2.42 28.48 0.00 28.48 1.21 29.70 0.00 29.70 0.00 29.70 6.67 36.36 2.42 38.79 0.00 38.79 1.21 40.00 3.64 43.64 0.00 43.64 0.00 43.64 1.21 44.85 4.24 49.09 3.64 52.73 9.09 61.82 7.27 69.09 22.42 91.52 8.48 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM.

LOSS RATIO PERCENTAGE BAND CUM.

415.57 450.06 0.00 9.93 0.00 0.00 504.41 31.22 0.00 809.05 151.75 0.00 0.00 7.65 77.93 159.10 3,972.36 11,039.54 4,826.12 3,371.49

45.87 1,420.51 0.00 14.83 0.00 0.00 327.63 14.25 0.00 353.55 39.01 0.00 0.00 1.20 14.04 10.01 140.72 903.58 117.87 742.20

25,826.17

415.57 865.63 865.63 875.56 875.56 875.56 1,379.97 1,411.19 1,411.19 2,220.24 2,371.98 2,371.98 2,371.98 2,379.63 2,457.56 2,616.66 6,589.02 17,628.55 22,454.67 25,826.17

1.61 1.61 1.74 3.35 0.00 3.35 0.04 3.39 0.00 3.39 0.00 3.39 1.95 5.34 0.12 5.46 0.00 5.46 3.13 8.60 0.59 9.18 0.00 9.18 0.00 9.18 0.03 9.21 0.30 9.52 0.62 10.13 15.38 25.51 42.75 68.26 18.69 86.95 13.05 100.00

45.87 92.32 87.05 82.49 72.80 67.53 95.14 84.52 72.26 101.77 92.27 81.86 73.60 61.61 55.63 43.55 74.62 175.37 158.73 176.88

176.88

Page 58 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 22 Metals (Logam)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

1,581 306 495 464 687 522 534 652 475 386 269 498 381 650 413 771 946 490 791 430 11,741

1,581 1,887 2,382 2,846 3,533 4,055 4,589 5,241 5,716 6,102 6,371 6,869 7,250 7,900 8,313 9,084 10,030 10,520 11,311 11,741

13.47 13.47 2.61 16.07 4.22 20.29 3.95 24.24 5.85 30.09 4.45 34.54 4.55 39.09 5.55 44.64 4.05 48.68 3.29 51.97 2.29 54.26 4.24 58.50 3.25 61.75 5.54 67.29 3.52 70.80 6.57 77.37 8.06 85.43 4.17 89.60 6.74 96.34 3.66 100.00

5,545.19 136.77 192.79 234.65 455.54 714.24 796.57 1,204.65 1,067.97 982.34 827.68 1,810.32 2,057.13 3,860.04 2,991.52 8,114.01 11,272.16 4,953.39 11,771.96 4,385.80 63,374.70

5,545.19 5,681.96 5,874.75 6,109.40 6,564.94 7,279.17 8,075.74 9,280.39 10,348.36 11,330.70 12,158.38 13,968.70 16,025.83 19,885.87 22,877.38 30,991.39 42,263.55 47,216.94 58,988.90 63,374.70

8.75 8.75 0.22 8.97 0.30 9.27 0.37 9.64 0.72 10.36 1.13 11.49 1.26 12.74 1.90 14.64 1.69 16.33 1.55 17.88 1.31 19.18 2.86 22.04 3.25 25.29 6.09 31.38 4.72 36.10 12.80 48.90 17.79 66.69 7.82 74.50 18.58 93.08 6.92 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 87 2 2 2 0 1 5 16 3 0 2 14 18 27 13 46 44 83 96 61

522

87 89 91 93 93 94 99 115 118 118 120 134 152 179 192 238 282 365 461 522

16.67 16.67 0.38 17.05 0.38 17.43 0.38 17.82 0.00 17.82 0.19 18.01 0.96 18.97 3.07 22.03 0.57 22.61 0.00 22.61 0.38 22.99 2.68 25.67 3.45 29.12 5.17 34.29 2.49 36.78 8.81 45.59 8.43 54.02 15.90 69.92 18.39 88.31 11.69 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 45,525.63 2.10 7.50 3.99 0.00 1.32 284.47 1,610.11 817.62 0.00 21.49 2,054.37 762.29 567.08 392.41 2,912.99 18,518.82 5,296.50 16,064.92 4,014.24 98,857.86

45,525.63 45,527.73 45,535.23 45,539.22 45,539.22 45,540.53 45,825.01 47,435.12 48,252.73 48,252.73 48,274.23 50,328.60 51,090.89 51,657.97 52,050.39 54,963.38 73,482.20 78,778.70 94,843.62 98,857.86

46.05 46.05 0.00 46.05 0.01 46.06 0.00 46.07 0.00 46.07 0.00 46.07 0.29 46.35 1.63 47.98 0.83 48.81 0.00 48.81 0.02 48.83 2.08 50.91 0.77 51.68 0.57 52.25 0.40 52.65 2.95 55.60 18.73 74.33 5.36 79.69 16.25 95.94 4.06 100.00

820.99 1.54 3.89 1.70 0.00 0.18 35.71 133.66 76.56 0.00 2.60 113.48 37.06 14.69 13.12 35.90 164.29 106.93 136.47 91.53

820.99 801.27 775.10 745.40 693.67 625.63 567.44 511.13 466.28 425.86 397.05 360.30 318.80 259.77 227.52 177.35 173.87 166.84 160.78 155.99

155.99

Page 59 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 23 Chemical / Oil / Gas (Kimia / Minyak / Gas)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

1,451 179 384 380 689 654 734 855 707 484 505 732 618 977 583 1,257 1,209 670 833 367 14,268

1,451 1,630 2,014 2,394 3,083 3,737 4,471 5,326 6,033 6,517 7,022 7,754 8,372 9,349 9,932 11,189 12,398 13,068 13,901 14,268

10.17 10.17 1.25 11.42 2.69 14.12 2.66 16.78 4.83 21.61 4.58 26.19 5.14 31.34 5.99 37.33 4.96 42.28 3.39 45.68 3.54 49.22 5.13 54.35 4.33 58.68 6.85 65.52 4.09 69.61 8.81 78.42 8.47 86.89 4.70 91.59 5.84 97.43 2.57 100.00

8,787.36 8,787.36 181.45 8,968.81 460.87 9,429.68 492.26 9,921.95 1,005.67 10,927.62 1,157.04 12,084.65 1,621.53 13,706.18 2,357.94 16,064.12 2,400.50 18,464.62 2,058.52 20,523.14 2,813.28 23,336.43 3,698.65 27,035.08 3,690.70 30,725.78 7,402.62 38,128.40 5,376.44 43,504.83 14,586.96 58,091.79 17,405.93 75,497.72 7,856.85 83,354.57 10,287.96 93,642.52 8,356.97 101,999.50 101,999.50

8.62 8.62 0.18 8.79 0.45 9.24 0.48 9.73 0.99 10.71 1.13 11.85 1.59 13.44 2.31 15.75 2.35 18.10 2.02 20.12 2.76 22.88 3.63 26.51 3.62 30.12 7.26 37.38 5.27 42.65 14.30 56.95 17.06 74.02 7.70 81.72 10.09 91.81 8.19 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

123 5 2 11 6 8 4 21 18 14 17 6 11 67 48 80 168 61 123 21 814

123 128 130 141 147 155 159 180 198 212 229 235 246 313 361 441 609 670 793 814

15.11 15.11 0.61 15.72 0.25 15.97 1.35 17.32 0.74 18.06 0.98 19.04 0.49 19.53 2.58 22.11 2.21 24.32 1.72 26.04 2.09 28.13 0.74 28.87 1.35 30.22 8.23 38.45 5.90 44.35 9.83 54.18 20.64 74.82 7.49 82.31 15.11 97.42 2.58 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 21,671.64 21,671.64 73.62 21,745.26 0.68 21,745.94 681.66 22,427.60 440.62 22,868.22 817.78 23,686.01 6.22 23,692.22 3,459.46 27,151.68 1,918.00 29,069.68 152.20 29,221.87 562.60 29,784.48 306.74 30,091.22 1,232.21 31,323.43 4,696.73 36,020.16 9,146.13 45,166.29 8,893.52 54,059.81 13,881.12 67,940.93 2,783.18 70,724.12 26,488.93 97,213.04 6,166.12 103,379.16 103,379.16

20.96 20.96 0.07 21.03 0.00 21.04 0.66 21.69 0.43 22.12 0.79 22.91 0.01 22.92 3.35 26.26 1.86 28.12 0.15 28.27 0.54 28.81 0.30 29.11 1.19 30.30 4.54 34.84 8.85 43.69 8.60 52.29 13.43 65.72 2.69 68.41 25.62 94.04 5.96 100.00

246.62 40.57 0.15 138.47 43.81 70.68 0.38 146.72 79.90 7.39 20.00 8.29 33.39 63.45 170.12 60.97 79.75 35.42 257.48 73.78

246.62 242.45 230.61 226.04 209.27 196.00 172.86 169.02 157.43 142.38 127.63 111.30 101.95 94.47 103.82 93.06 89.99 84.85 103.81 101.35

101.35

Page 60 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 24 Textiles (Tekstil)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

1,940 818 1,642 1,259 1,808 1,217 993 1,016 728 490 411 498 347 628 414 854 884 531 929 250 17,657

1,940 2,758 4,400 5,659 7,467 8,684 9,677 10,693 11,421 11,911 12,322 12,820 13,167 13,795 14,209 15,063 15,947 16,478 17,407 17,657

10.99 10.99 4.63 15.62 9.30 24.92 7.13 32.05 10.24 42.29 6.89 49.18 5.62 54.81 5.75 60.56 4.12 64.68 2.78 67.46 2.33 69.79 2.82 72.61 1.97 74.57 3.56 78.13 2.34 80.47 4.84 85.31 5.01 90.32 3.01 93.32 5.26 98.58 1.42 100.00

6,244.75 331.77 953.58 1,163.36 2,522.67 2,187.44 2,403.22 3,165.86 2,708.35 2,048.40 1,952.63 2,875.36 2,106.81 4,244.77 3,708.86 9,955.85 12,042.67 7,057.55 11,834.06 4,468.28 83,976.23

6,244.75 6,576.52 7,530.09 8,693.46 11,216.13 13,403.57 15,806.80 18,972.65 21,681.00 23,729.40 25,682.03 28,557.38 30,664.19 34,908.96 38,617.82 48,573.67 60,616.34 67,673.89 79,507.95 83,976.23

7.44 7.44 0.40 7.83 1.14 8.97 1.39 10.35 3.00 13.36 2.60 15.96 2.86 18.82 3.77 22.59 3.23 25.82 2.44 28.26 2.33 30.58 3.42 34.01 2.51 36.52 5.05 41.57 4.42 45.99 11.86 57.84 14.34 72.18 8.40 80.59 14.09 94.68 5.32 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

180 5 11 10 20 16 10 19 6 19 2 23 15 31 41 95 115 101 236 66 1,021

180 185 196 206 226 242 252 271 277 296 298 321 336 367 408 503 618 719 955 1,021

17.63 17.63 0.49 18.12 1.08 19.20 0.98 20.18 1.96 22.14 1.57 23.70 0.98 24.68 1.86 26.54 0.59 27.13 1.86 28.99 0.20 29.19 2.25 31.44 1.47 32.91 3.04 35.95 4.02 39.96 9.30 49.27 11.26 60.53 9.89 70.42 23.11 93.54 6.46 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 10,018.39 10,018.39 27.31 10,045.70 441.82 10,487.52 158.70 10,646.22 1,854.43 12,500.65 1,130.44 13,631.09 844.32 14,475.42 510.11 14,985.52 552.55 15,538.08 868.92 16,407.00 3.41 16,410.41 2,216.90 18,627.31 195.01 18,822.32 2,643.36 21,465.68 146.84 21,612.51 13,517.06 35,129.57 6,249.86 41,379.44 43,345.16 84,724.60 41,479.21 126,203.82 6,830.58 133,034.39 133,034.39

7.53 7.53 0.02 7.55 0.33 7.88 0.12 8.00 1.39 9.40 0.85 10.25 0.63 10.88 0.38 11.26 0.42 11.68 0.65 12.33 0.00 12.34 1.67 14.00 0.15 14.15 1.99 16.14 0.11 16.25 10.16 26.41 4.70 31.10 32.58 63.69 31.18 94.87 5.13 100.00

160.43 8.23 46.33 13.64 73.51 51.68 35.13 16.11 20.40 42.42 0.17 77.10 9.26 62.27 3.96 135.77 51.90 614.17 350.51 152.87

160.43 152.75 139.27 122.46 111.45 101.70 91.58 78.98 71.67 69.14 63.90 65.23 61.38 61.49 55.97 72.32 68.26 125.20 158.73 158.42

158.42

Page 61 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 25 Paper, Leather and Rubber (Kertas, Kulit dan Karet)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

1,207 501 915 760 1,067 802 676 756 615 405 387 394 334 565 400 724 738 457 461 179 12,343

1,207 1,708 2,623 3,383 4,450 5,252 5,928 6,684 7,299 7,704 8,091 8,485 8,819 9,384 9,784 10,508 11,246 11,703 12,164 12,343

9.78 9.78 4.06 13.84 7.41 21.25 6.16 27.41 8.64 36.05 6.50 42.55 5.48 48.03 6.12 54.15 4.98 59.13 3.28 62.42 3.14 65.55 3.19 68.74 2.71 71.45 4.58 76.03 3.24 79.27 5.87 85.13 5.98 91.11 3.70 94.81 3.73 98.55 1.45 100.00

6,393.56 359.52 664.71 737.65 1,579.63 1,589.94 1,704.42 2,645.49 2,671.52 2,449.31 2,439.96 2,839.34 2,522.42 4,879.24 4,902.24 10,239.35 12,818.48 5,963.02 7,328.07 4,989.83 79,717.71

6,393.56 6,753.08 7,417.79 8,155.44 9,735.07 11,325.02 13,029.43 15,674.92 18,346.44 20,795.75 23,235.71 26,075.06 28,597.48 33,476.72 38,378.96 48,618.31 61,436.79 67,399.81 74,727.88 79,717.71

8.02 8.02 0.45 8.47 0.83 9.31 0.93 10.23 1.98 12.21 1.99 14.21 2.14 16.34 3.32 19.66 3.35 23.01 3.07 26.09 3.06 29.15 3.56 32.71 3.16 35.87 6.12 41.99 6.15 48.14 12.84 60.99 16.08 77.07 7.48 84.55 9.19 93.74 6.26 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

147 8 7 10 9 5 4 13 26 19 8 15 15 10 7 24 64 61 60 50 562

147 155 162 172 181 186 190 203 229 248 256 271 286 296 303 327 391 452 512 562

26.16 26.16 1.42 27.58 1.25 28.83 1.78 30.60 1.60 32.21 0.89 33.10 0.71 33.81 2.31 36.12 4.63 40.75 3.38 44.13 1.42 45.55 2.67 48.22 2.67 50.89 1.78 52.67 1.25 53.91 4.27 58.19 11.39 69.57 10.85 80.43 10.68 91.10 8.90 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 10,993.73 10,993.73 102.25 11,095.98 112.58 11,208.56 172.51 11,381.07 642.39 12,023.46 57.49 12,080.95 933.12 13,014.07 65.50 13,079.57 2,809.70 15,889.27 1,171.79 17,061.06 209.71 17,270.77 273.16 17,543.93 2,697.16 20,241.09 1,016.79 21,257.88 146.64 21,404.52 1,750.09 23,154.61 16,848.14 40,002.75 19,537.23 59,539.99 38,069.05 97,609.04 25,229.04 122,838.08 122,838.08

8.95 8.95 0.08 9.03 0.09 9.12 0.14 9.27 0.52 9.79 0.05 9.83 0.76 10.59 0.05 10.65 2.29 12.94 0.95 13.89 0.17 14.06 0.22 14.28 2.20 16.48 0.83 17.31 0.12 17.42 1.42 18.85 13.72 32.57 15.90 48.47 30.99 79.46 20.54 100.00

171.95 28.44 16.94 23.39 40.67 3.62 54.75 2.48 105.17 47.84 8.59 9.62 106.93 20.84 2.99 17.09 131.44 327.64 519.50 505.61

171.95 164.31 151.10 139.55 123.51 106.67 99.88 83.44 86.61 82.04 74.33 67.28 70.78 63.50 55.77 47.63 65.11 88.34 130.62 154.09

154.09

Page 62 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 26

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/12/2011 15/04/2012

Wood, Bamboo and Rattan (Kayu, Bambu dan Rotan)

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 ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

1,057 605 747 523 639 505 442 556 396 271 199 341 201 372 319 570 692 299 370 24 9,128

1,057 1,662 2,409 2,932 3,571 4,076 4,518 5,074 5,470 5,741 5,940 6,281 6,482 6,854 7,173 7,743 8,435 8,734 9,104 9,128

11.58 11.58 6.63 18.21 8.18 26.39 5.73 32.12 7.00 39.12 5.53 44.65 4.84 49.50 6.09 55.59 4.34 59.93 2.97 62.89 2.18 65.07 3.74 68.81 2.20 71.01 4.08 75.09 3.49 78.58 6.24 84.83 7.58 92.41 3.28 95.68 4.05 99.74 0.26 100.00

6,909.38 470.63 1,381.23 1,530.18 1,978.18 1,642.51 2,019.91 2,987.41 2,583.08 2,005.77 2,714.20 3,283.02 2,681.67 5,693.01 5,405.52 11,929.75 14,121.94 5,291.13 6,167.88 357.29 81,153.67

6,909.38 7,380.01 8,761.24 10,291.42 12,269.59 13,912.10 15,932.01 18,919.41 21,502.50 23,508.27 26,222.47 29,505.49 32,187.16 37,880.16 43,285.68 55,215.43 69,337.37 74,628.50 80,796.38 81,153.67

8.51 8.51 0.58 9.09 1.70 10.80 1.89 12.68 2.44 15.12 2.02 17.14 2.49 19.63 3.68 23.31 3.18 26.50 2.47 28.97 3.34 32.31 4.05 36.36 3.30 39.66 7.02 46.68 6.66 53.34 14.70 68.04 17.40 85.44 6.52 91.96 7.60 99.56 0.44 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 60 8 8 6 10 8 10 8 2 3 2 10 6 19 10 53 33 41 65 3

365

60 68 76 82 92 100 110 118 120 123 125 135 141 160 170 223 256 297 362 365

16.44 16.44 2.19 18.63 2.19 20.82 1.64 22.47 2.74 25.21 2.19 27.40 2.74 30.14 2.19 32.33 0.55 32.88 0.82 33.70 0.55 34.25 2.74 36.99 1.64 38.63 5.21 43.84 2.74 46.58 14.52 61.10 9.04 70.14 11.23 81.37 17.81 99.18 0.82 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 16,751.50 88.94 84.08 363.60 653.52 345.40 742.78 4,159.25 575.35 265.86 9.00 1,086.30 337.94 508.06 746.51 17,463.83 14,435.48 7,535.87 10,342.48 67.74 76,563.51

16,751.50 16,840.44 16,924.53 17,288.13 17,941.65 18,287.05 19,029.83 23,189.09 23,764.43 24,030.30 24,039.30 25,125.59 25,463.53 25,971.60 26,718.11 44,181.94 58,617.42 66,153.28 76,495.76 76,563.51

21.88 21.88 0.12 22.00 0.11 22.11 0.47 22.58 0.85 23.43 0.45 23.88 0.97 24.85 5.43 30.29 0.75 31.04 0.35 31.39 0.01 31.40 1.42 32.82 0.44 33.26 0.66 33.92 0.98 34.90 22.81 57.71 18.85 76.56 9.84 86.40 13.51 99.91 0.09 100.00

242.45 18.90 6.09 23.76 33.04 21.03 36.77 139.23 22.27 13.25 0.33 33.09 12.60 8.92 13.81 146.39 102.22 142.42 167.68 18.96

242.45 228.19 193.18 167.99 146.23 131.45 119.44 122.57 110.52 102.22 91.67 85.16 79.11 68.56 61.73 80.02 84.54 88.64 94.68 94.34

94.34

Page 63 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 27 Nutritional, Drinks and Tobacco (Makanan, Minuman dan Tembakau)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

8,874 3,036 3,004 1,975 2,338 1,610 1,187 1,439 977 719 644 1,040 686 1,284 787 1,973 2,312 1,323 1,428 514 37,150

8,874 11,910 14,914 16,889 19,227 20,837 22,024 23,463 24,440 25,159 25,803 26,843 27,529 28,813 29,600 31,573 33,885 35,208 36,636 37,150

23.89 23.89 8.17 32.06 8.09 40.15 5.32 45.46 6.29 51.76 4.33 56.09 3.20 59.28 3.87 63.16 2.63 65.79 1.94 67.72 1.73 69.46 2.80 72.26 1.85 74.10 3.46 77.56 2.12 79.68 5.31 84.99 6.22 91.21 3.56 94.77 3.84 98.62 1.38 100.00

13,336.56 13,336.56 885.07 14,221.63 1,719.95 15,941.58 1,201.20 17,142.77 2,168.50 19,311.28 2,295.64 21,606.92 1,964.22 23,571.14 3,108.66 26,679.80 2,622.94 29,302.74 2,009.42 31,312.16 2,202.30 33,514.45 4,378.81 37,893.27 3,337.71 41,230.98 6,201.75 47,432.73 5,500.37 52,933.10 22,374.23 75,307.33 18,674.62 93,981.96 9,327.95 103,309.91 9,222.95 112,532.86 2,644.51 115,177.37 115,177.37

11.58 11.58 0.77 12.35 1.49 13.84 1.04 14.88 1.88 16.77 1.99 18.76 1.71 20.47 2.70 23.16 2.28 25.44 1.74 27.19 1.91 29.10 3.80 32.90 2.90 35.80 5.38 41.18 4.78 45.96 19.43 65.38 16.21 81.60 8.10 89.70 8.01 97.70 2.30 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

188 50 37 22 48 73 19 70 30 8 19 49 43 99 54 300 156 137 186 71 1,659

188 238 275 297 345 418 437 507 537 545 564 613 656 755 809 1,109 1,265 1,402 1,588 1,659

11.33 11.33 3.01 14.35 2.23 16.58 1.33 17.90 2.89 20.80 4.40 25.20 1.15 26.34 4.22 30.56 1.81 32.37 0.48 32.85 1.15 34.00 2.95 36.95 2.59 39.54 5.97 45.51 3.25 48.76 18.08 66.85 9.40 76.25 8.26 84.51 11.21 95.72 4.28 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 8,518.84 8,518.84 606.47 9,125.31 579.32 9,704.62 419.67 10,124.29 1,180.39 11,304.68 268.83 11,573.50 1,536.58 13,110.08 3,965.37 17,075.45 665.94 17,741.40 88.63 17,830.03 543.36 18,373.38 1,243.92 19,617.30 499.77 20,117.07 10,167.48 30,284.56 1,735.81 32,020.37 25,189.65 57,210.02 27,160.40 84,370.42 5,050.06 89,420.48 21,200.98 110,621.45 2,568.73 113,190.18 113,190.18

7.53 7.53 0.54 8.06 0.51 8.57 0.37 8.94 1.04 9.99 0.24 10.22 1.36 11.58 3.50 15.09 0.59 15.67 0.08 15.75 0.48 16.23 1.10 17.33 0.44 17.77 8.98 26.76 1.53 28.29 22.25 50.54 24.00 74.54 4.46 79.00 18.73 97.73 2.27 100.00

63.88 68.52 33.68 34.94 54.43 11.71 78.23 127.56 25.39 4.41 24.67 28.41 14.97 163.95 31.56 112.58 145.44 54.14 229.87 97.13

63.88 64.16 60.88 59.06 58.54 53.56 55.62 64.00 60.55 56.94 54.82 51.77 48.79 63.85 60.49 75.97 89.77 86.56 98.30 98.27

98.27

Page 64 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 28 Power and Heating (Pembangkit Tenaga dan Pemanas)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 125 12 15 9 17 44 108 76 30 14 11 28 7 30 44 63 77 39 137 200

1,086

125 137 152 161 178 222 330 406 436 450 461 489 496 526 570 633 710 749 886 1,086

11.51 11.51 1.10 12.62 1.38 14.00 0.83 14.83 1.57 16.39 4.05 20.44 9.94 30.39 7.00 37.38 2.76 40.15 1.29 41.44 1.01 42.45 2.58 45.03 0.64 45.67 2.76 48.43 4.05 52.49 5.80 58.29 7.09 65.38 3.59 68.97 12.62 81.58 18.42 100.00

1,007.80 37.67 3.12 3.34 10.90 24.08 87.87 71.48 27.97 20.00 25.29 74.62 19.22 147.56 372.05 611.95 1,526.55 431.26 2,187.21 2,500.04 9,189.99

1,007.80 1,045.47 1,048.59 1,051.94 1,062.84 1,086.92 1,174.79 1,246.27 1,274.24 1,294.24 1,319.54 1,394.16 1,413.38 1,560.94 1,932.99 2,544.93 4,071.48 4,502.75 6,689.95 9,189.99

10.97 10.97 0.41 11.38 0.03 11.41 0.04 11.45 0.12 11.57 0.26 11.83 0.96 12.78 0.78 13.56 0.30 13.87 0.22 14.08 0.28 14.36 0.81 15.17 0.21 15.38 1.61 16.99 4.05 21.03 6.66 27.69 16.61 44.30 4.69 49.00 23.80 72.80 27.20 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 4 0 0 0 0 0 0 0 0 0 0 2 0 2 10 0 3 2 13 10 46

4 4 4 4 4 4 4 4 4 4 4 6 6 8 18 18 21 23 36 46

8.70 8.70 0.00 8.70 0.00 8.70 0.00 8.70 0.00 8.70 0.00 8.70 0.00 8.70 0.00 8.70 0.00 8.70 0.00 8.70 0.00 8.70 4.35 13.04 0.00 13.04 4.35 17.39 21.74 39.13 0.00 39.13 6.52 45.65 4.35 50.00 28.26 78.26 21.74 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 313.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 82.44 0.00 1.24 591.87 0.00 856.52 2,293.98 15,055.16 7,819.74 27,014.22

313.29 313.29 313.29 313.29 313.29 313.29 313.29 313.29 313.29 313.29 313.29 395.72 395.72 396.96 988.83 988.83 1,845.35 4,139.33 19,194.48 27,014.22

1.16 1.16 0.00 1.16 0.00 1.16 0.00 1.16 0.00 1.16 0.00 1.16 0.00 1.16 0.00 1.16 0.00 1.16 0.00 1.16 0.00 1.16 0.31 1.46 0.00 1.46 0.00 1.47 2.19 3.66 0.00 3.66 3.17 6.83 8.49 15.32 55.73 71.05 28.95 100.00

31.09 31.09 0.00 29.97 0.00 29.88 0.00 29.78 0.00 29.48 0.00 28.82 0.00 26.67 0.00 25.14 0.00 24.59 0.00 24.21 0.00 23.74 110.47 28.38 0.00 28.00 0.84 25.43 159.08 51.16 0.00 38.85 56.11 45.32 531.92 91.93 688.33 286.92 312.78 293.95 293.95

Page 65 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 29 Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotels, Entertainment, Sports and Services, The Caring Services, Motor Vehicle Repair Shops, Private Buildings, Property of Public Bodies (Transportasi dan Lalu lintas, Perusahaan Konstruksi, Komunikasi Masa Perdagangan dan Penyimpanan, Sarana Olah RagaHotel dan Pusat Hiburan, Pelayanan Perawatan, Tempat Reparasi Kendaraan Bermotor, Bangunan Pribadi, Bangunan Umum) NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 179,313 155,850 205,897 130,369 147,431 77,165 55,981 43,793 24,012 12,929 9,978 11,633 7,532 9,107 5,462 7,971 6,091 2,601 2,833 799

1,096,747

179,313 335,163 541,060 671,429 818,860 896,025 952,006 995,799 1,019,811 1,032,740 1,042,718 1,054,351 1,061,883 1,070,990 1,076,452 1,084,423 1,090,514 1,093,115 1,095,948 1,096,747

16.35 16.35 14.21 30.56 18.77 49.33 11.89 61.22 13.44 74.66 7.04 81.70 5.10 86.80 3.99 90.80 2.19 92.99 1.18 94.16 0.91 95.07 1.06 96.13 0.69 96.82 0.83 97.65 0.50 98.15 0.73 98.88 0.56 99.43 0.24 99.67 0.26 99.93 0.07 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 77,725.48 32,543.02 74,730.09 72,886.90 126,394.67 95,688.40 97,338.60 95,568.41 68,834.82 45,803.39 43,434.07 51,979.22 40,937.33 57,183.66 41,010.42 78,778.28 66,262.69 34,620.50 49,693.35 79,670.63 1,331,083.93

77,725.48 110,268.50 184,998.58 257,885.48 384,280.15 479,968.56 577,307.16 672,875.57 741,710.39 787,513.77 830,947.84 882,927.06 923,864.39 981,048.05 1,022,058.47 1,100,836.76 1,167,099.45 1,201,719.95 1,251,413.30 1,331,083.93

5.84 5.84 2.44 8.28 5.61 13.90 5.48 19.37 9.50 28.87 7.19 36.06 7.31 43.37 7.18 50.55 5.17 55.72 3.44 59.16 3.26 62.43 3.91 66.33 3.08 69.41 4.30 73.70 3.08 76.78 5.92 82.70 4.98 87.68 2.60 90.28 3.73 94.01 5.99 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,156 1,156 414 1,570 915 2,485 654 3,139 863 4,002 524 4,526 517 5,043 506 5,549 338 5,887 234 6,121 251 6,372 296 6,668 223 6,891 337 7,228 405 7,633 376 8,009 669 8,678 341 9,019 799 9,818 881 10,699 10,699

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

10.80 10.80 60,326.12 60,326.12 3.87 14.67 8,111.51 68,437.63 8.55 23.23 24,434.96 92,872.60 6.11 29.34 24,290.80 117,163.40 8.07 37.41 47,672.77 164,836.17 4.90 42.30 32,485.79 197,321.96 4.83 47.14 38,368.26 235,690.21 4.73 51.86 17,800.69 253,490.90 3.16 55.02 30,740.81 284,231.71 2.19 57.21 20,935.71 305,167.42 2.35 59.56 20,775.94 325,943.36 2.77 62.32 26,624.55 352,567.91 2.08 64.41 24,914.25 377,482.16 3.15 67.56 40,360.63 417,842.80 3.79 71.34 24,127.78 441,970.57 3.51 74.86 41,184.62 483,155.20 6.25 81.11 132,498.79 615,653.98 3.19 84.30 56,335.08 671,989.06 7.47 91.77 164,187.47 836,176.53 8.23 100.00 53,031.33 889,207.86 889,207.86

6.78 6.78 77.61 0.91 7.70 24.93 2.75 10.44 32.70 2.73 13.18 33.33 5.36 18.54 37.72 3.65 22.19 33.95 4.31 26.51 39.42 2.00 28.51 18.63 3.46 31.96 44.66 2.35 34.32 45.71 2.34 36.66 47.83 2.99 39.65 51.22 2.80 42.45 60.86 4.54 46.99 70.58 2.71 49.70 58.83 4.63 54.34 52.28 14.90 69.24 199.96 6.34 75.57 162.72 18.46 94.04 330.40 5.96 100.00 66.56

77.61 62.06 50.20 45.43 42.89 41.11 40.83 37.67 38.32 38.75 39.23 39.93 40.86 42.59 43.24 43.89 52.75 55.92 66.82 66.80

66.80

Page 66 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 30 Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 84 29 35 23 32 50 35 29 29 32 11 42 18 32 15 44 17 2 5 0 564

84 113 148 171 203 253 288 317 346 378 389 431 449 481 496 540 557 559 564 564

14.89 14.89 5.14 20.04 6.21 26.24 4.08 30.32 5.67 35.99 8.87 44.86 6.21 51.06 5.14 56.21 5.14 61.35 5.67 67.02 1.95 68.97 7.45 76.42 3.19 79.61 5.67 85.28 2.66 87.94 7.80 95.74 3.01 98.76 0.35 99.11 0.89 100.00 0.00 100.00

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 0.00 463.95 0.00 3,045.76

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 3,045.76 3,045.76

0.72 0.72 0.50 1.22 1.08 2.30 1.54 3.84 5.89 9.73 3.95 13.68 2.04 15.71 3.10 18.81 4.00 22.81 4.67 27.49 2.19 29.67 7.99 37.66 3.94 41.60 7.71 49.31 2.10 51.40 14.56 65.96 18.81 84.77 0.00 84.77 15.23 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 2 0 6 0 0 6 6 2 0 0 0 22

0 0 0 0 0 0 0 0 0 2 2 8 8 8 14 20 22 22 22 22

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.09 0.00 27.27 0.00 0.00 27.27 27.27 9.09 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.09 9.09 36.36 36.36 36.36 63.64 90.91 100.00 100.00 100.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 73.46 0.00 1,792.45 0.00 0.00 64.69 73.41 1.78 0.00 0.00 0.00 2,005.79

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 73.46 73.46 1,865.91 1,865.91 1,865.91 1,930.60 2,004.01 2,005.79 2,005.79 2,005.79 2,005.79

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.66 0.00 89.36 0.00 0.00 3.22 3.66 0.09 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.66 51.61 8.77 3.66 0.00 8.13 93.03 736.62 162.66 93.03 0.00 147.26 93.03 0.00 124.25 96.25 101.31 123.31 99.91 16.56 99.75 100.00 0.31 77.69 100.00 0.00 77.69 100.00 0.00 65.86 100.00 0.00 65.86 65.86

Page 67 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 31 Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 65 41 54 54 91 54 44 45 40 24 24 80 46 76 53 101 153 139 93 26 1,303

65 106 160 214 305 359 403 448 488 512 536 616 662 738 791 892 1,045 1,184 1,277 1,303

4.99 4.99 3.15 8.14 4.14 12.28 4.14 16.42 6.98 23.41 4.14 27.55 3.38 30.93 3.45 34.38 3.07 37.45 1.84 39.29 1.84 41.14 6.14 47.28 3.53 50.81 5.83 56.64 4.07 60.71 7.75 68.46 11.74 80.20 10.67 90.87 7.14 98.00 2.00 100.00

202.85 38.31 38.03 111.10 52.05 54.49 45.13 136.06 127.08 503.51 143.71 373.29 288.94 348.44 512.10 933.09 2,862.26 1,825.99 803.26 6,698.13 16,097.84

202.85 241.16 279.19 390.29 442.34 496.84 541.97 678.03 805.11 1,308.62 1,452.33 1,825.62 2,114.56 2,463.01 2,975.11 3,908.20 6,770.46 8,596.46 9,399.71 16,097.84

1.26 1.26 0.24 1.50 0.24 1.73 0.69 2.42 0.32 2.75 0.34 3.09 0.28 3.37 0.85 4.21 0.79 5.00 3.13 8.13 0.89 9.02 2.32 11.34 1.79 13.14 2.16 15.30 3.18 18.48 5.80 24.28 17.78 42.06 11.34 53.40 4.99 58.39 41.61 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 12 0 4 0 6 19 2 11 9 8 0 71

0 0 0 0 0 0 0 0 0 12 12 16 16 22 41 43 54 63 71 71

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.90 16.90 0.00 16.90 5.63 22.54 0.00 22.54 8.45 30.99 26.76 57.75 2.82 60.56 15.49 76.06 12.68 88.73 11.27 100.00 0.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 0.00 281.09 0.00 62.49 0.00 559.18 827.60 30.60 211.70 3,571.34 202.67 0.00 5,746.66

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 281.09 281.09 343.58 343.58 902.76 1,730.36 1,760.95 1,972.65 5,543.99 5,746.66 5,746.66

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.89 4.89 55.83 0.00 4.89 0.00 1.09 5.98 16.74 0.00 5.98 0.00 9.73 15.71 160.48 14.40 30.11 161.61 0.53 30.64 3.28 3.68 34.33 7.40 62.15 96.47 195.58 3.53 100.00 25.23 0.00 100.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 21.48 19.35 18.82 16.25 36.65 58.16 45.06 29.14 64.49 61.14 35.70

35.70

Page 68 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 32 Recreation Place

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 16 26 11 2 12 1 2 16 1 9 1 1 1 28 3 39 13 8 8 1 199

16 42 53 55 67 68 70 86 87 96 97 98 99 127 130 169 182 190 198 199

8.04 8.04 13.07 21.11 5.53 26.63 1.01 27.64 6.03 33.67 0.50 34.17 1.01 35.18 8.04 43.22 0.50 43.72 4.52 48.24 0.50 48.74 0.50 49.25 0.50 49.75 14.07 63.82 1.51 65.33 19.60 84.92 6.53 91.46 4.02 95.48 4.02 99.50 0.50 100.00

(5.36) 57.82 19.01 1.74 11.26 5.27 3.97 60.63 7.34 63.53 15.27 22.58 1.88 480.75 60.33 664.50 529.75 511.08 2,358.61 1.12 4,871.08

(5.36) 52.46 71.47 73.21 84.47 89.75 93.72 154.35 161.68 225.22 240.49 263.07 264.95 745.69 806.02 1,470.53 2,000.27 2,511.36 4,869.96 4,871.08

(0.11) (0.11) 1.19 1.08 0.39 1.47 0.04 1.50 0.23 1.73 0.11 1.84 0.08 1.92 1.24 3.17 0.15 3.32 1.30 4.62 0.31 4.94 0.46 5.40 0.04 5.44 9.87 15.31 1.24 16.55 13.64 30.19 10.88 41.06 10.49 51.56 48.42 99.98 0.02 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 2 4 0 0 0 0 0 0 0 0 0 0 10 0 2 13 4 0 0 37

2 4 8 8 8 8 8 8 8 8 8 8 8 18 18 20 33 37 37 37

5.41 5.41 5.41 10.81 10.81 21.62 0.00 21.62 0.00 21.62 0.00 21.62 0.00 21.62 0.00 21.62 0.00 21.62 0.00 21.62 0.00 21.62 0.00 21.62 0.00 21.62 27.03 48.65 0.00 48.65 5.41 54.05 35.14 89.19 10.81 100.00 0.00 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 158.27 50.26 38.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 281.04 0.00 23.98 197.49 65.73 0.00 0.00 815.03

158.27 208.53 246.79 246.79 246.79 246.79 246.79 246.79 246.79 246.79 246.79 246.79 246.79 527.83 527.83 551.81 749.30 815.03 815.03 815.03

: : :

01/01/2009 15/12/2011 15/04/2012

LOSS RATIO PERCENTAGE BAND CUM.

19.42 19.42 (2,953.87) (2,953.87) 6.17 25.59 86.93 397.48 4.69 30.28 201.32 345.31 0.00 30.28 0.00 337.09 0.00 30.28 0.00 292.15 0.00 30.28 0.00 274.98 0.00 30.28 0.00 263.33 0.00 30.28 0.00 159.89 0.00 30.28 0.00 152.64 0.00 30.28 0.00 109.58 0.00 30.28 0.00 102.62 0.00 30.28 0.00 93.81 0.00 30.28 0.00 93.15 34.48 64.76 58.46 70.78 0.00 64.76 0.00 65.49 2.94 67.70 3.61 37.52 24.23 91.94 37.28 37.46 8.06 100.00 12.86 32.45 0.00 100.00 0.00 16.74 0.00 100.00 0.00 16.73 16.73

Page 69 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 40 Non Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,370 521 621 29 54 25 21 19 20 17 15 11 17 33 18 94 110 36 20 0 3,051

1,370 1,891 2,512 2,541 2,595 2,620 2,641 2,660 2,680 2,697 2,712 2,723 2,740 2,773 2,791 2,885 2,995 3,031 3,051 3,051

44.90 44.90 17.08 61.98 20.35 82.33 0.95 83.28 1.77 85.05 0.82 85.87 0.69 86.56 0.62 87.18 0.66 87.84 0.56 88.40 0.49 88.89 0.36 89.25 0.56 89.81 1.08 90.89 0.59 91.48 3.08 94.56 3.61 98.16 1.18 99.34 0.66 100.00 0.00 100.00

1,362.55 168.44 288.72 27.20 70.53 47.86 61.53 60.45 83.99 57.52 90.00 56.30 230.95 335.39 205.41 1,587.68 2,689.84 342.45 513.79 0.00 8,280.61

1,362.55 1,531.00 1,819.71 1,846.91 1,917.44 1,965.30 2,026.84 2,087.29 2,171.28 2,228.80 2,318.80 2,375.10 2,606.05 2,941.44 3,146.85 4,734.53 7,424.37 7,766.82 8,280.61 8,280.61

16.45 16.45 2.03 18.49 3.49 21.98 0.33 22.30 0.85 23.16 0.58 23.73 0.74 24.48 0.73 25.21 1.01 26.22 0.69 26.92 1.09 28.00 0.68 28.68 2.79 31.47 4.05 35.52 2.48 38.00 19.17 57.18 32.48 89.66 4.14 93.80 6.20 100.00 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 4 11 11 0 0 26

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 15 26 26 26

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.38 15.38 42.31 57.69 42.31 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 5,408.64 373.68 0.00 0.00 5,782.33

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5,408.64 5,782.33 5,782.33 5,782.33

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 93.54 93.54 201.08 6.46 100.00 109.12 0.00 100.00 0.00 0.00 100.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 72.85 74.45 69.83 69.83

69.83

Page 70 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 01 - NANGGROE ACEH DARUSSALAM

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,097 1,989 2,576 1,581 1,452 503 419 274 155 52 40 65 29 46 20 43 48 34 20 35 11,478

2,097 4,086 6,662 8,243 9,695 10,198 10,617 10,891 11,046 11,098 11,138 11,203 11,232 11,278 11,298 11,341 11,389 11,423 11,443 11,478

18.27 18.27 17.33 35.60 22.44 58.04 13.77 71.82 12.65 84.47 4.38 88.85 3.65 92.50 2.39 94.89 1.35 96.24 0.45 96.69 0.35 97.04 0.57 97.60 0.25 97.86 0.40 98.26 0.17 98.43 0.37 98.81 0.42 99.22 0.30 99.52 0.17 99.70 0.30 100.00

516.20 663.23 1,591.16 1,527.12 1,982.66 1,123.91 1,142.76 996.72 605.09 250.79 272.63 355.93 181.85 393.26 239.08 721.75 958.30 782.56 234.62 1,880.21 16,419.85

516.20 1,179.43 2,770.60 4,297.72 6,280.38 7,404.29 8,547.05 9,543.77 10,148.86 10,399.65 10,672.28 11,028.21 11,210.06 11,603.33 11,842.41 12,564.16 13,522.46 14,305.02 14,539.64 16,419.85

3.14 3.14 4.04 7.18 9.69 16.87 9.30 26.17 12.07 38.25 6.84 45.09 6.96 52.05 6.07 58.12 3.69 61.81 1.53 63.34 1.66 65.00 2.17 67.16 1.11 68.27 2.40 70.67 1.46 72.12 4.40 76.52 5.84 82.35 4.77 87.12 1.43 88.55 11.45 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 8 15 6 5 2 9 3 0 0 0 0 0 0 0 0 2 0 0 3 55

2 10 25 31 36 38 47 50 50 50 50 50 50 50 50 50 52 52 52 55

3.64 3.64 14.55 18.18 27.27 45.45 10.91 56.36 9.09 65.45 3.64 69.09 16.36 85.45 5.45 90.91 0.00 90.91 0.00 90.91 0.00 90.91 0.00 90.91 0.00 90.91 0.00 90.91 0.00 90.91 0.00 90.91 3.64 94.55 0.00 94.55 0.00 94.55 5.45 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 10.33 271.98 368.51 194.67 305.21 94.01 94.26 712.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 77.64 0.00 0.00 71.09 2,199.92

10.33 282.30 650.81 845.48 1,150.69 1,244.70 1,338.96 2,051.20 2,051.20 2,051.20 2,051.20 2,051.20 2,051.20 2,051.20 2,051.20 2,051.20 2,128.84 2,128.84 2,128.84 2,199.92

0.47 0.47 12.36 12.83 16.75 29.58 8.85 38.43 13.87 52.31 4.27 56.58 4.28 60.86 32.38 93.24 0.00 93.24 0.00 93.24 0.00 93.24 0.00 93.24 0.00 93.24 0.00 93.24 0.00 93.24 0.00 93.24 3.53 96.77 0.00 96.77 0.00 96.77 3.23 100.00

2.00 41.01 23.16 12.75 15.39 8.36 8.25 71.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.10 0.00 0.00 3.78

2.00 23.94 23.49 19.67 18.32 16.81 15.67 21.49 20.21 19.72 19.22 18.60 18.30 17.68 17.32 16.33 15.74 14.88 14.64 13.40

13.40

Page 71 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 02 - SUMATERA UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 19,577 13,731 17,836 11,832 11,873 5,418 3,941 2,798 1,575 853 732 938 618 766 461 809 925 413 384 83 95,563

19,577 33,308 51,144 62,976 74,849 80,267 84,208 87,006 88,581 89,434 90,166 91,104 91,722 92,488 92,949 93,758 94,683 95,096 95,480 95,563

20.49 20.49 14.37 34.85 18.66 53.52 12.38 65.90 12.42 78.32 5.67 83.99 4.12 88.12 2.93 91.05 1.65 92.69 0.89 93.59 0.77 94.35 0.98 95.33 0.65 95.98 0.80 96.78 0.48 97.26 0.85 98.11 0.97 99.08 0.43 99.51 0.40 99.91 0.09 100.00

6,977.01 2,492.73 5,677.92 6,404.21 10,340.76 6,930.36 7,472.68 6,796.29 5,158.46 3,349.23 3,501.89 4,724.61 3,976.42 6,123.55 4,524.30 10,272.84 12,829.61 4,520.49 5,158.15 893.42 118,124.91

6,977.01 9,469.74 15,147.66 21,551.86 31,892.62 38,822.98 46,295.66 53,091.95 58,250.41 61,599.64 65,101.53 69,826.14 73,802.57 79,926.11 84,450.41 94,723.25 107,552.86 112,073.35 117,231.49 118,124.91

5.91 5.91 2.11 8.02 4.81 12.82 5.42 18.24 8.75 27.00 5.87 32.87 6.33 39.19 5.75 44.95 4.37 49.31 2.84 52.15 2.96 55.11 4.00 59.11 3.37 62.48 5.18 67.66 3.83 71.49 8.70 80.19 10.86 91.05 3.83 94.88 4.37 99.24 0.76 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 74 20 41 35 48 28 45 28 36 25 14 18 16 19 14 44 48 49 70 2 674

74 94 135 170 218 246 291 319 355 380 394 412 428 447 461 505 553 602 672 674

10.98 10.98 2.97 13.95 6.08 20.03 5.19 25.22 7.12 32.34 4.15 36.50 6.68 43.18 4.15 47.33 5.34 52.67 3.71 56.38 2.08 58.46 2.67 61.13 2.37 63.50 2.82 66.32 2.08 68.40 6.53 74.93 7.12 82.05 7.27 89.32 10.39 99.70 0.30 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 11,430.71 493.55 1,058.17 1,103.82 2,186.52 432.76 2,761.62 2,720.18 1,483.79 2,240.21 837.36 422.58 184.26 1,653.86 104.53 1,051.38 10,340.34 2,295.74 5,197.82 53.47 48,052.66

11,430.71 11,924.26 12,982.42 14,086.24 16,272.76 16,705.52 19,467.14 22,187.32 23,671.11 25,911.32 26,748.67 27,171.25 27,355.51 29,009.37 29,113.91 30,165.29 40,505.63 42,801.37 47,999.19 48,052.66

23.79 23.79 163.83 163.83 1.03 24.81 19.80 125.92 2.20 27.02 18.64 85.71 2.30 29.31 17.24 65.36 4.55 33.86 21.14 51.02 0.90 34.77 6.24 43.03 5.75 40.51 36.96 42.05 5.66 46.17 40.02 41.79 3.09 49.26 28.76 40.64 4.66 53.92 66.89 42.06 1.74 55.67 23.91 41.09 0.88 56.54 8.94 38.91 0.38 56.93 4.63 37.07 3.44 60.37 27.01 36.30 0.22 60.59 2.31 34.47 2.19 62.78 10.23 31.85 21.52 84.29 80.60 37.66 4.78 89.07 50.79 38.19 10.82 99.89 100.77 40.94 0.11 100.00 5.98 40.68 40.68

Page 72 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 03 - SUMATERA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/12/2011 15/04/2012

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM.

LOSS RATIO PERCENTAGE BAND CUM.

4,895 5,869 8,807 5,454 4,667 1,723 1,284 776 514 247 225 283 206 217 156 189 156 128 79 9

110 115 309 228 339 197 159 97 120 64 97 100 82 75 87 71 71 23 32 0

2,861.95 1,575.38 7,103.12 6,501.02 24,568.42 19,220.50 10,286.15 4,400.95 14,924.72 7,570.12 5,494.14 12,490.91 7,705.92 9,552.70 17,919.01 12,471.46 93,472.91 7,905.35 63,360.65 0.00

132.91 147.24 281.88 278.10 626.39 784.73 392.95 215.16 912.67 958.89 690.52 1289.11 1324.44 1187.51 2811.40 490.49 4200.71 544.89 12877.38 0.00

35,884

4,895 10,764 19,571 25,025 29,692 31,415 32,699 33,475 33,989 34,236 34,461 34,744 34,950 35,167 35,323 35,512 35,668 35,796 35,875 35,884

13.64 13.64 16.36 30.00 24.54 54.54 15.20 69.74 13.01 82.74 4.80 87.55 3.58 91.12 2.16 93.29 1.43 94.72 0.69 95.41 0.63 96.03 0.79 96.82 0.57 97.40 0.60 98.00 0.43 98.44 0.53 98.96 0.43 99.40 0.36 99.75 0.22 99.97 0.03 100.00

2,153.27 1,069.94 2,519.90 2,337.67 3,922.24 2,449.30 2,617.64 2,045.40 1,635.28 789.46 795.65 968.96 581.82 804.43 637.37 2,542.66 2,225.17 1,450.83 492.03 2,446.46 34,485.49

2,153.27 3,223.21 5,743.11 8,080.78 12,003.01 14,452.32 17,069.96 19,115.36 20,750.64 21,540.11 22,335.76 23,304.71 23,886.54 24,690.97 25,328.34 27,871.00 30,096.17 31,547.00 32,039.03 34,485.49

6.24 6.24 3.10 9.35 7.31 16.65 6.78 23.43 11.37 34.81 7.10 41.91 7.59 49.50 5.93 55.43 4.74 60.17 2.29 62.46 2.31 64.77 2.81 67.58 1.69 69.27 2.33 71.60 1.85 73.45 7.37 80.82 6.45 87.27 4.21 91.48 1.43 92.91 7.09 100.00

2,376

110 225 534 762 1,101 1,298 1,457 1,554 1,674 1,738 1,835 1,935 2,017 2,092 2,179 2,250 2,321 2,344 2,376 2,376

4.63 4.63 4.84 9.47 13.01 22.47 9.60 32.07 14.27 46.34 8.29 54.63 6.69 61.32 4.08 65.40 5.05 70.45 2.69 73.15 4.08 77.23 4.21 81.44 3.45 84.89 3.16 88.05 3.66 91.71 2.99 94.70 2.99 97.69 0.97 98.65 1.35 100.00 0.00 100.00

329,385.39

2,861.95 4,437.32 11,540.44 18,041.46 42,609.89 61,830.39 72,116.54 76,517.49 91,442.21 99,012.34 104,506.47 116,997.39 124,703.31 134,256.01 152,175.03 164,646.49 258,119.39 266,024.74 329,385.39 329,385.39

0.87 0.87 0.48 1.35 2.16 3.50 1.97 5.48 7.46 12.94 5.84 18.77 3.12 21.89 1.34 23.23 4.53 27.76 2.30 30.06 1.67 31.73 3.79 35.52 2.34 37.86 2.90 40.76 5.44 46.20 3.79 49.99 28.38 78.36 2.40 80.76 19.24 100.00 0.00 100.00

132.91 137.67 200.94 223.26 354.99 427.82 422.48 400.29 440.67 459.67 467.89 502.03 522.07 543.75 600.81 590.74 857.65 843.26 1028.08 955.14

955.14

Page 73 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 04 - RIAU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 9,036 7,251 9,696 6,015 6,074 2,388 1,547 1,204 658 351 223 302 212 338 141 322 384 329 250 83 46,804

9,036 16,287 25,983 31,998 38,072 40,460 42,007 43,211 43,869 44,220 44,443 44,745 44,957 45,295 45,436 45,758 46,142 46,471 46,721 46,804

19.31 19.31 15.49 34.80 20.72 55.51 12.85 68.37 12.98 81.34 5.10 86.45 3.31 89.75 2.57 92.32 1.41 93.73 0.75 94.48 0.48 94.96 0.65 95.60 0.45 96.05 0.72 96.78 0.30 97.08 0.69 97.77 0.82 98.59 0.70 99.29 0.53 99.82 0.18 100.00

9,753.10 1,818.99 4,287.41 4,692.28 7,501.94 4,467.80 4,159.85 3,837.86 2,667.28 1,693.28 1,292.44 1,748.53 1,694.20 2,178.25 1,209.47 4,015.03 4,766.71 2,432.27 3,040.33 7,210.96 74,467.98

9,753.10 11,572.09 15,859.50 20,551.78 28,053.72 32,521.52 36,681.37 40,519.24 43,186.51 44,879.79 46,172.23 47,920.76 49,614.96 51,793.21 53,002.68 57,017.71 61,784.42 64,216.69 67,257.02 74,467.98

13.10 13.10 2.44 15.54 5.76 21.30 6.30 27.60 10.07 37.67 6.00 43.67 5.59 49.26 5.15 54.41 3.58 57.99 2.27 60.27 1.74 62.00 2.35 64.35 2.28 66.63 2.93 69.55 1.62 71.18 5.39 76.57 6.40 82.97 3.27 86.23 4.08 90.32 9.68 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 21 7 30 15 23 9 11 16 4 4 0 3 2 22 0 8 10 17 38 11 251

21 28 58 73 96 105 116 132 136 140 140 143 145 167 167 175 185 202 240 251

8.37 8.37 2.79 11.16 11.95 23.11 5.98 29.08 9.16 38.25 3.59 41.83 4.38 46.22 6.37 52.59 1.59 54.18 1.59 55.78 0.00 55.78 1.20 56.97 0.80 57.77 8.76 66.53 0.00 66.53 3.19 69.72 3.98 73.71 6.77 80.48 15.14 95.62 4.38 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,602.10 230.17 1,084.96 805.45 2,612.40 1,596.82 704.77 1,481.27 55.65 75.81 0.00 97.24 0.00 5,465.77 0.00 10.85 138.77 1,202.59 6,331.04 6,378.17 29,873.84

1,602.10 1,832.27 2,917.23 3,722.68 6,335.08 7,931.90 8,636.67 10,117.95 10,173.60 10,249.41 10,249.41 10,346.65 10,346.65 15,812.41 15,812.41 15,823.27 15,962.04 17,164.63 23,495.67 29,873.84

5.36 5.36 16.43 0.77 6.13 12.65 3.63 9.77 25.31 2.70 12.46 17.17 8.74 21.21 34.82 5.35 26.55 35.74 2.36 28.91 16.94 4.96 33.87 38.60 0.19 34.06 2.09 0.25 34.31 4.48 0.00 34.31 0.00 0.33 34.63 5.56 0.00 34.63 0.00 18.30 52.93 250.93 0.00 52.93 0.00 0.04 52.97 0.27 0.46 53.43 2.91 4.03 57.46 49.44 21.19 78.65 208.24 21.35 100.00 88.45

16.43 15.83 18.39 18.11 22.58 24.39 23.55 24.97 23.56 22.84 22.20 21.59 20.85 30.53 29.83 27.75 25.84 26.73 34.93 40.12

40.12

Page 74 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 05 - JAMBI

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,471 2,357 3,083 1,837 1,717 701 421 325 184 102 52 97 53 86 51 73 96 89 59 9 13,863

2,471 4,828 7,911 9,748 11,465 12,166 12,587 12,912 13,096 13,198 13,250 13,347 13,400 13,486 13,537 13,610 13,706 13,795 13,854 13,863

17.82 17.82 17.00 34.83 22.24 57.07 13.25 70.32 12.39 82.70 5.06 87.76 3.04 90.80 2.34 93.14 1.33 94.47 0.74 95.20 0.38 95.58 0.70 96.28 0.38 96.66 0.62 97.28 0.37 97.65 0.53 98.17 0.69 98.87 0.64 99.51 0.43 99.94 0.06 100.00

1,097.60 668.14 1,521.99 1,441.09 2,020.66 1,325.10 1,051.92 875.75 716.27 412.08 266.42 477.78 365.52 632.09 399.27 1,338.31 1,449.07 890.07 565.11 514.69 18,028.94

1,097.60 1,765.74 3,287.73 4,728.82 6,749.48 8,074.58 9,126.50 10,002.25 10,718.53 11,130.61 11,397.04 11,874.81 12,240.33 12,872.42 13,271.70 14,610.01 16,059.08 16,949.14 17,514.25 18,028.94

6.09 6.09 3.71 9.79 8.44 18.24 7.99 26.23 11.21 37.44 7.35 44.79 5.83 50.62 4.86 55.48 3.97 59.45 2.29 61.74 1.48 63.22 2.65 65.87 2.03 67.89 3.51 71.40 2.21 73.61 7.42 81.04 8.04 89.07 4.94 94.01 3.13 97.15 2.85 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 10 5 2 0 6 3 0 13 0 0 0 2 12 0 0 0 0 13 0 0 66

10 15 17 17 23 26 26 39 39 39 39 41 53 53 53 53 53 66 66 66

15.15 15.15 7.58 22.73 3.03 25.76 0.00 25.76 9.09 34.85 4.55 39.39 0.00 39.39 19.70 59.09 0.00 59.09 0.00 59.09 0.00 59.09 3.03 62.12 18.18 80.30 0.00 80.30 0.00 80.30 0.00 80.30 0.00 80.30 19.70 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 133.58 95.70 115.00 0.00 210.34 19.01 0.00 58.52 0.00 0.00 0.00 35.53 40.20 0.00 0.00 0.00 0.00 2,879.20 0.00 0.00 3,587.08

133.58 229.28 344.28 344.28 554.62 573.63 573.63 632.15 632.15 632.15 632.15 667.68 707.88 707.88 707.88 707.88 707.88 3,587.08 3,587.08 3,587.08

3.72 3.72 12.17 2.67 6.39 14.32 3.21 9.60 7.56 0.00 9.60 0.00 5.86 15.46 10.41 0.53 15.99 1.43 0.00 15.99 0.00 1.63 17.62 6.68 0.00 17.62 0.00 0.00 17.62 0.00 0.00 17.62 0.00 0.99 18.61 7.44 1.12 19.73 11.00 0.00 19.73 0.00 0.00 19.73 0.00 0.00 19.73 0.00 0.00 19.73 0.00 80.27 100.00 323.48 0.00 100.00 0.00 0.00 100.00 0.00

12.17 12.98 10.47 7.28 8.22 7.10 6.29 6.32 5.90 5.68 5.55 5.62 5.78 5.50 5.33 4.85 4.41 21.16 20.48 19.90

19.90

Page 75 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 06 - SUMATERA SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,701 3,511 5,739 3,842 3,936 1,889 1,495 1,071 577 271 252 255 146 234 151 279 244 163 165 96 28,017

3,701 7,212 12,951 16,793 20,729 22,618 24,113 25,184 25,761 26,032 26,284 26,539 26,685 26,919 27,070 27,349 27,593 27,756 27,921 28,017

13.21 13.21 12.53 25.74 20.48 46.23 13.71 59.94 14.05 73.99 6.74 80.73 5.34 86.07 3.82 89.89 2.06 91.95 0.97 92.92 0.90 93.81 0.91 94.72 0.52 95.25 0.84 96.08 0.54 96.62 1.00 97.62 0.87 98.49 0.58 99.07 0.59 99.66 0.34 100.00

6,862.72 640.35 2,118.88 2,444.16 4,135.54 2,955.09 3,164.65 2,680.25 2,032.90 1,045.95 1,241.64 1,386.81 919.42 1,349.14 1,364.73 2,921.32 4,461.88 1,723.39 4,699.90 11,095.03 59,243.74

6,862.72 7,503.07 9,621.95 12,066.11 16,201.65 19,156.74 22,321.40 25,001.65 27,034.55 28,080.50 29,322.14 30,708.95 31,628.37 32,977.51 34,342.23 37,263.55 41,725.42 43,448.82 48,148.72 59,243.74

11.58 11.58 1.08 12.66 3.58 16.24 4.13 20.37 6.98 27.35 4.99 32.34 5.34 37.68 4.52 42.20 3.43 45.63 1.77 47.40 2.10 49.49 2.34 51.83 1.55 53.39 2.28 55.66 2.30 57.97 4.93 62.90 7.53 70.43 2.91 73.34 7.93 81.27 18.73 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 27 13 14 7 20 6 7 15 0 4 5 4 0 2 12 10 95 10 31 31 313

27 40 54 61 81 87 94 109 109 113 118 122 122 124 136 146 241 251 282 313

8.63 8.63 4.15 12.78 4.47 17.25 2.24 19.49 6.39 25.88 1.92 27.80 2.24 30.03 4.79 34.82 0.00 34.82 1.28 36.10 1.60 37.70 1.28 38.98 0.00 38.98 0.64 39.62 3.83 43.45 3.19 46.65 30.35 77.00 3.19 80.19 9.90 90.10 9.90 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,633.36 233.52 268.31 183.74 1,279.06 265.19 1,024.97 225.35 0.00 452.09 39.82 65.34 0.00 41.38 752.15 56.61 11,356.38 2,365.89 635.13 21,202.17 42,080.45

1,633.36 1,866.87 2,135.18 2,318.92 3,597.98 3,863.17 4,888.14 5,113.48 5,113.48 5,565.57 5,605.39 5,670.73 5,670.73 5,712.11 6,464.27 6,520.88 17,877.26 20,243.15 20,878.27 42,080.45

3.88 3.88 23.80 0.55 4.44 36.47 0.64 5.07 12.66 0.44 5.51 7.52 3.04 8.55 30.93 0.63 9.18 8.97 2.44 11.62 32.39 0.54 12.15 8.41 0.00 12.15 0.00 1.07 13.23 43.22 0.09 13.32 3.21 0.16 13.48 4.71 0.00 13.48 0.00 0.10 13.57 3.07 1.79 15.36 55.11 0.13 15.50 1.94 26.99 42.48 254.52 5.62 48.11 137.28 1.51 49.62 13.51 50.38 100.00 191.10

23.80 24.88 22.19 19.22 22.21 20.17 21.90 20.45 18.91 19.82 19.12 18.47 17.93 17.32 18.82 17.50 42.85 46.59 43.36 71.03

71.03

Page 76 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 07 - BENGKULU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,876 1,610 2,007 1,275 1,141 440 300 147 104 60 42 40 33 36 21 54 58 21 7 2 9,274

1,876 3,486 5,493 6,768 7,909 8,349 8,649 8,796 8,900 8,960 9,002 9,042 9,075 9,111 9,132 9,186 9,244 9,265 9,272 9,274

20.23 20.23 17.36 37.59 21.64 59.23 13.75 72.98 12.30 85.28 4.74 90.03 3.23 93.26 1.59 94.85 1.12 95.97 0.65 96.61 0.45 97.07 0.43 97.50 0.36 97.85 0.39 98.24 0.23 98.47 0.58 99.05 0.63 99.68 0.23 99.90 0.08 99.98 0.02 100.00

466.74 401.52 1,337.19 809.81 1,295.74 815.21 724.21 415.62 378.79 235.22 174.50 137.80 79.95 122.19 209.67 586.23 732.85 325.86 208.84 60.13 9,518.07

466.74 868.25 2,205.45 3,015.26 4,310.99 5,126.20 5,850.42 6,266.04 6,644.83 6,880.05 7,054.55 7,192.36 7,272.31 7,394.50 7,604.17 8,190.40 8,923.25 9,249.11 9,457.94 9,518.07

4.90 4.90 4.22 9.12 14.05 23.17 8.51 31.68 13.61 45.29 8.56 53.86 7.61 61.47 4.37 65.83 3.98 69.81 2.47 72.28 1.83 74.12 1.45 75.57 0.84 76.41 1.28 77.69 2.20 79.89 6.16 86.05 7.70 93.75 3.42 97.17 2.19 99.37 0.63 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 2 8 9 9 27 0 2 0 0 2 2 0 2 0 0 5 8 0 0 76

0 2 10 19 28 55 55 57 57 57 59 61 61 63 63 63 68 76 76 76

0.00 0.00 2.63 2.63 10.53 13.16 11.84 25.00 11.84 36.84 35.53 72.37 0.00 72.37 2.63 75.00 0.00 75.00 0.00 75.00 2.63 77.63 2.63 80.26 0.00 80.26 2.63 82.89 0.00 82.89 0.00 82.89 6.58 89.47 10.53 100.00 0.00 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 0.00 130.42 249.08 599.27 1,322.26 707.85 0.00 8.00 0.00 0.00 4,187.11 30.59 0.00 9.40 0.00 0.00 304.94 39.91 0.00 0.00 7,588.83

0.00 130.42 379.50 978.77 2,301.03 3,008.88 3,008.88 3,016.88 3,016.88 3,016.88 7,203.99 7,234.59 7,234.59 7,243.98 7,243.98 7,243.98 7,548.93 7,588.83 7,588.83 7,588.83

0.00 0.00 1.72 1.72 3.28 5.00 7.90 12.90 17.42 30.32 9.33 39.65 0.00 39.65 0.11 39.75 0.00 39.75 0.00 39.75 55.17 94.93 0.40 95.33 0.00 95.33 0.12 95.46 0.00 95.46 0.00 95.46 4.02 99.47 0.53 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012 LOSS RATIO PERCENTAGE BAND CUM. 0.00 32.48 18.63 74.00 102.05 86.83 0.00 1.93 0.00 0.00 2,399.43 22.20 0.00 7.69 0.00 0.00 41.61 12.25 0.00 0.00

0.00 15.02 17.21 32.46 53.38 58.70 51.43 48.15 45.40 43.85 102.12 100.59 99.48 97.96 95.26 88.44 84.60 82.05 80.24 79.73

79.73

Page 77 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 08 - LAMPUNG

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,225 3,124 4,234 2,510 2,686 1,249 883 686 402 229 249 260 147 254 149 321 349 201 204 77 21,439

3,225 6,349 10,583 13,093 15,779 17,028 17,911 18,597 18,999 19,228 19,477 19,737 19,884 20,138 20,287 20,608 20,957 21,158 21,362 21,439

15.04 15.04 14.57 29.61 19.75 49.36 11.71 61.07 12.53 73.60 5.83 79.43 4.12 83.54 3.20 86.74 1.88 88.62 1.07 89.69 1.16 90.85 1.21 92.06 0.69 92.75 1.18 93.93 0.69 94.63 1.50 96.12 1.63 97.75 0.94 98.69 0.95 99.64 0.36 100.00

2,856.01 557.81 1,362.59 1,427.58 2,689.38 2,141.29 1,686.99 1,787.04 1,508.41 845.38 1,004.85 1,187.76 871.84 2,038.11 1,238.80 4,061.12 4,321.21 2,347.13 4,131.88 566.61 38,631.78

2,856.01 3,413.82 4,776.41 6,203.99 8,893.37 11,034.66 12,721.64 14,508.69 16,017.10 16,862.47 17,867.32 19,055.08 19,926.92 21,965.03 23,203.83 27,264.95 31,586.16 33,933.29 38,065.17 38,631.78

7.39 7.39 1.44 8.84 3.53 12.36 3.70 16.06 6.96 23.02 5.54 28.56 4.37 32.93 4.63 37.56 3.90 41.46 2.19 43.65 2.60 46.25 3.07 49.32 2.26 51.58 5.28 56.86 3.21 60.06 10.51 70.58 11.19 81.76 6.08 87.84 10.70 98.53 1.47 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 44 4 22 5 9 36 10 20 5 0 4 11 8 36 11 39 18 37 30 7 356

44 48 70 75 84 120 130 150 155 155 159 170 178 214 225 264 282 319 349 356

12.36 12.36 1.12 13.48 6.18 19.66 1.40 21.07 2.53 23.60 10.11 33.71 2.81 36.52 5.62 42.13 1.40 43.54 0.00 43.54 1.12 44.66 3.09 47.75 2.25 50.00 10.11 60.11 3.09 63.20 10.96 74.16 5.06 79.21 10.39 89.61 8.43 98.03 1.97 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 388.71 111.42 384.20 323.87 174.19 118.72 369.35 1,616.95 378.45 0.00 10.12 103.59 105.84 430.32 493.60 1,075.27 1,304.41 1,518.87 3,117.25 537.20 12,562.32

388.71 500.14 884.34 1,208.21 1,382.39 1,501.11 1,870.46 3,487.41 3,865.86 3,865.86 3,875.98 3,979.56 4,085.40 4,515.72 5,009.32 6,084.59 7,389.00 8,907.87 12,025.12 12,562.32

3.09 3.09 0.89 3.98 3.06 7.04 2.58 9.62 1.39 11.00 0.95 11.95 2.94 14.89 12.87 27.76 3.01 30.77 0.00 30.77 0.08 30.85 0.82 31.68 0.84 32.52 3.43 35.95 3.93 39.88 8.56 48.44 10.38 58.82 12.09 70.91 24.81 95.72 4.28 100.00

13.61 19.98 28.20 22.69 6.48 5.54 21.89 90.48 25.09 0.00 1.01 8.72 12.14 21.11 39.84 26.48 30.19 64.71 75.44 94.81

13.61 14.65 18.51 19.47 15.54 13.60 14.70 24.04 24.14 22.93 21.69 20.88 20.50 20.56 21.59 22.32 23.39 26.25 31.59 32.52

32.52

Page 78 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 09 - DAERAH KHUSUS IBUKOTA JAKARTA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 27,734 16,905 30,699 26,816 39,559 24,580 18,724 14,955 8,341 4,591 3,570 4,284 2,861 3,306 2,075 3,245 2,811 1,317 1,892 740 239,005

27,734 44,639 75,338 102,154 141,713 166,293 185,017 199,972 208,313 212,904 216,474 220,758 223,619 226,925 229,000 232,245 235,056 236,373 238,265 239,005

11.60 11.60 7.07 18.68 12.84 31.52 11.22 42.74 16.55 59.29 10.28 69.58 7.83 77.41 6.26 83.67 3.49 87.16 1.92 89.08 1.49 90.57 1.79 92.37 1.20 93.56 1.38 94.95 0.87 95.81 1.36 97.17 1.18 98.35 0.55 98.90 0.79 99.69 0.31 100.00

28,123.07 3,619.97 9,243.17 11,623.15 24,865.00 22,155.69 24,596.33 26,999.55 20,423.80 13,992.61 14,571.81 18,339.25 14,859.63 19,898.23 15,649.04 31,963.60 31,711.82 14,691.79 30,832.43 61,846.49 440,006.44

28,123.07 31,743.04 40,986.21 52,609.36 77,474.36 99,630.05 124,226.38 151,225.93 171,649.73 185,642.34 200,214.15 218,553.40 233,413.03 253,311.26 268,960.29 300,923.90 332,635.72 347,327.51 378,159.94 440,006.44

6.39 6.39 0.82 7.21 2.10 9.31 2.64 11.96 5.65 17.61 5.04 22.64 5.59 28.23 6.14 34.37 4.64 39.01 3.18 42.19 3.31 45.50 4.17 49.67 3.38 53.05 4.52 57.57 3.56 61.13 7.26 68.39 7.21 75.60 3.34 78.94 7.01 85.94 14.06 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

634 139 211 123 157 118 113 87 67 81 46 56 40 90 51 113 398 165 458 675

22,289.54 3,544.54 5,307.46 6,091.20 6,388.00 3,886.38 8,898.35 2,997.73 9,284.00 5,620.82 4,933.80 8,878.01 3,320.36 12,563.55 5,981.75 13,815.46 44,524.38 42,141.58 71,172.26 15,749.09

3,822

634 773 984 1,107 1,264 1,382 1,495 1,582 1,649 1,730 1,776 1,832 1,872 1,962 2,013 2,126 2,524 2,689 3,147 3,822

16.59 16.59 3.64 20.23 5.52 25.75 3.22 28.96 4.11 33.07 3.09 36.16 2.96 39.12 2.28 41.39 1.75 43.14 2.12 45.26 1.20 46.47 1.47 47.93 1.05 48.98 2.35 51.33 1.33 52.67 2.96 55.63 10.41 66.04 4.32 70.36 11.98 82.34 17.66 100.00

297,388.27

22,289.54 25,834.08 31,141.54 37,232.74 43,620.74 47,507.12 56,405.47 59,403.20 68,687.20 74,308.02 79,241.82 88,119.83 91,440.19 104,003.74 109,985.49 123,800.95 168,325.33 210,466.92 281,639.17 297,388.27

7.50 7.50 79.26 1.19 8.69 97.92 1.78 10.47 57.42 2.05 12.52 52.41 2.15 14.67 25.69 1.31 15.97 17.54 2.99 18.97 36.18 1.01 19.97 11.10 3.12 23.10 45.46 1.89 24.99 40.17 1.66 26.65 33.86 2.99 29.63 48.41 1.12 30.75 22.34 4.22 34.97 63.14 2.01 36.98 38.22 4.65 41.63 43.22 14.97 56.60 140.40 14.17 70.77 286.84 23.93 94.70 230.84 5.30 100.00 25.46

79.26 81.39 75.98 70.77 56.30 47.68 45.41 39.28 40.02 40.03 39.58 40.32 39.18 41.06 40.89 41.14 50.60 60.60 74.48 67.59

67.59

Page 79 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 10 - JAWA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 31,138 25,434 32,188 19,874 21,462 11,111 7,799 6,626 3,814 2,373 1,831 2,329 1,694 2,535 1,676 3,159 2,753 1,480 2,059 682 182,017

31,138 56,572 88,760 108,634 130,096 141,207 149,006 155,632 159,446 161,819 163,650 165,979 167,673 170,208 171,884 175,043 177,796 179,276 181,335 182,017

17.11 17.11 13.97 31.08 17.68 48.76 10.92 59.68 11.79 71.47 6.10 77.58 4.28 81.86 3.64 85.50 2.10 87.60 1.30 88.90 1.01 89.91 1.28 91.19 0.93 92.12 1.39 93.51 0.92 94.43 1.74 96.17 1.51 97.68 0.81 98.49 1.13 99.63 0.37 100.00

21,223.89 4,645.38 10,273.01 9,952.10 16,778.72 12,533.36 12,506.13 13,669.92 10,499.74 7,669.73 7,754.35 9,629.48 8,578.96 14,507.88 12,182.90 29,371.80 30,676.22 16,036.87 23,005.40 10,054.75 281,550.61

21,223.89 25,869.28 36,142.29 46,094.39 62,873.12 75,406.48 87,912.61 101,582.52 112,082.27 119,752.00 127,506.35 137,135.83 145,714.79 160,222.67 172,405.56 201,777.36 232,453.58 248,490.46 271,495.86 281,550.61

7.54 7.54 1.65 9.19 3.65 12.84 3.53 16.37 5.96 22.33 4.45 26.78 4.44 31.22 4.86 36.08 3.73 39.81 2.72 42.53 2.75 45.29 3.42 48.71 3.05 51.75 5.15 56.91 4.33 61.23 10.43 71.67 10.90 82.56 5.70 88.26 8.17 96.43 3.57 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

398 51 119 115 103 85 65 102 71 36 44 100 64 115 281 199 267 194 360 291

78,887.29 447.70 1,317.88 5,013.52 2,237.87 2,624.99 5,390.30 5,192.21 2,995.15 3,548.44 512.51 5,638.82 7,100.02 11,591.53 6,252.13 34,886.07 41,423.26 60,641.02 95,187.87 43,238.40

3,060

398 449 568 683 786 871 936 1,038 1,109 1,145 1,189 1,289 1,353 1,468 1,749 1,948 2,215 2,409 2,769 3,060

13.01 13.01 1.67 14.67 3.89 18.56 3.76 22.32 3.37 25.69 2.78 28.46 2.12 30.59 3.33 33.92 2.32 36.24 1.18 37.42 1.44 38.86 3.27 42.12 2.09 44.22 3.76 47.97 9.18 57.16 6.50 63.66 8.73 72.39 6.34 78.73 11.76 90.49 9.51 100.00

414,126.95

78,887.29 79,334.99 80,652.87 85,666.38 87,904.25 90,529.24 95,919.54 101,111.75 104,106.90 107,655.33 108,167.84 113,806.66 120,906.67 132,498.20 138,750.33 173,636.40 215,059.66 275,700.68 370,888.55 414,126.95

19.05 19.05 0.11 19.16 0.32 19.48 1.21 20.69 0.54 21.23 0.63 21.86 1.30 23.16 1.25 24.42 0.72 25.14 0.86 26.00 0.12 26.12 1.36 27.48 1.71 29.20 2.80 31.99 1.51 33.50 8.42 41.93 10.00 51.93 14.64 66.57 22.99 89.56 10.44 100.00

371.69 9.64 12.83 50.38 13.34 20.94 43.10 37.98 28.53 46.27 6.61 58.56 82.76 79.90 51.32 118.77 135.03 378.13 413.76 430.03

371.69 306.68 223.15 185.85 139.81 120.05 109.11 99.54 92.88 89.90 84.83 82.99 82.97 82.70 80.48 86.05 92.52 110.95 136.61 147.09

147.09

Page 80 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 11 - JAWA TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 21,253 16,292 16,668 8,229 8,770 4,958 3,725 3,304 1,920 1,111 894 1,157 686 1,038 612 1,155 969 432 491 210 93,874

21,253 37,545 54,213 62,442 71,212 76,170 79,895 83,199 85,119 86,230 87,124 88,281 88,967 90,005 90,617 91,772 92,741 93,173 93,664 93,874

22.64 22.64 17.36 40.00 17.76 57.75 8.77 66.52 9.34 75.86 5.28 81.14 3.97 85.11 3.52 88.63 2.05 90.67 1.18 91.86 0.95 92.81 1.23 94.04 0.73 94.77 1.11 95.88 0.65 96.53 1.23 97.76 1.03 98.79 0.46 99.25 0.52 99.78 0.22 100.00

8,144.01 2,852.05 5,324.64 4,394.69 7,443.16 6,179.54 5,917.07 7,203.36 5,213.57 3,938.14 3,965.93 5,268.05 4,075.62 6,976.73 5,506.18 13,601.29 12,637.56 5,448.98 7,547.32 2,110.55 123,748.45

8,144.01 10,996.06 16,320.70 20,715.39 28,158.54 34,338.09 40,255.15 47,458.52 52,672.08 56,610.23 60,576.15 65,844.21 69,919.83 76,896.56 82,402.74 96,004.03 108,641.59 114,090.58 121,637.90 123,748.45

6.58 6.58 2.30 8.89 4.30 13.19 3.55 16.74 6.01 22.75 4.99 27.75 4.78 32.53 5.82 38.35 4.21 42.56 3.18 45.75 3.20 48.95 4.26 53.21 3.29 56.50 5.64 62.14 4.45 66.59 10.99 77.58 10.21 87.79 4.40 92.20 6.10 98.29 1.71 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

111 20 38 24 29 25 19 38 15 7 12 22 29 63 46 100 61 76 97 53

7,086.57 175.87 1,842.32 620.22 524.23 1,167.67 483.95 4,539.67 242.65 57.52 267.98 2,438.14 571.08 10,302.39 1,586.81 8,822.72 6,034.95 2,241.23 8,001.68 4,137.48

885

111 131 169 193 222 247 266 304 319 326 338 360 389 452 498 598 659 735 832 885

12.54 12.54 2.26 14.80 4.29 19.10 2.71 21.81 3.28 25.08 2.82 27.91 2.15 30.06 4.29 34.35 1.69 36.05 0.79 36.84 1.36 38.19 2.49 40.68 3.28 43.95 7.12 51.07 5.20 56.27 11.30 67.57 6.89 74.46 8.59 83.05 10.96 94.01 5.99 100.00

61,145.14

7,086.57 7,262.44 9,104.76 9,724.98 10,249.21 11,416.88 11,900.83 16,440.50 16,683.16 16,740.68 17,008.66 19,446.80 20,017.88 30,320.27 31,907.08 40,729.80 46,764.76 49,005.98 57,007.66 61,145.14

11.59 11.59 87.02 0.29 11.88 6.17 3.01 14.89 34.60 1.01 15.90 14.11 0.86 16.76 7.04 1.91 18.67 18.90 0.79 19.46 8.18 7.42 26.89 63.02 0.40 27.28 4.65 0.09 27.38 1.46 0.44 27.82 6.76 3.99 31.80 46.28 0.93 32.74 14.01 16.85 49.59 147.67 2.60 52.18 28.82 14.43 66.61 64.87 9.87 76.48 47.75 3.67 80.15 41.13 13.09 93.23 106.02 6.77 100.00 196.04

87.02 66.05 55.79 46.95 36.40 33.25 29.56 34.64 31.67 29.57 28.08 29.53 28.63 39.43 38.72 42.43 43.04 42.95 46.87 49.41

49.41

Page 81 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 12 - DAERAH ISTIMEWA YOGYAKARTA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,724 1,897 2,530 1,423 1,496 909 790 626 375 196 151 174 97 193 91 116 114 51 31 11 13,995

2,724 4,621 7,151 8,574 10,070 10,979 11,769 12,395 12,770 12,966 13,117 13,291 13,388 13,581 13,672 13,788 13,902 13,953 13,984 13,995

19.46 19.46 13.55 33.02 18.08 51.10 10.17 61.26 10.69 71.95 6.50 78.45 5.64 84.09 4.47 88.57 2.68 91.25 1.40 92.65 1.08 93.73 1.24 94.97 0.69 95.66 1.38 97.04 0.65 97.69 0.83 98.52 0.81 99.34 0.36 99.70 0.22 99.92 0.08 100.00

865.24 318.72 822.83 606.34 978.86 920.92 1,719.52 1,151.77 746.72 494.18 480.15 793.91 361.96 1,031.08 429.98 1,206.16 1,005.12 465.54 615.89 325.57 15,340.48

865.24 1,183.97 2,006.80 2,613.14 3,592.00 4,512.92 6,232.44 7,384.21 8,130.93 8,625.11 9,105.26 9,899.17 10,261.13 11,292.22 11,722.20 12,928.36 13,933.49 14,399.02 15,014.91 15,340.48

5.64 5.64 2.08 7.72 5.36 13.08 3.95 17.03 6.38 23.42 6.00 29.42 11.21 40.63 7.51 48.14 4.87 53.00 3.22 56.22 3.13 59.35 5.18 64.53 2.36 66.89 6.72 73.61 2.80 76.41 7.86 84.28 6.55 90.83 3.03 93.86 4.01 97.88 2.12 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 13 2 12 7 14 4 2 4 2 4 2 7 0 2 0 0 4 9 6 8 102

13 15 27 34 48 52 54 58 60 64 66 73 73 75 75 75 79 88 94 102

12.75 12.75 1.96 14.71 11.76 26.47 6.86 33.33 13.73 47.06 3.92 50.98 1.96 52.94 3.92 56.86 1.96 58.82 3.92 62.75 1.96 64.71 6.86 71.57 0.00 71.57 1.96 73.53 0.00 73.53 0.00 73.53 3.92 77.45 8.82 86.27 5.88 92.16 7.84 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 271.78 6.79 24.93 68.79 112.30 231.22 24.00 51.58 4.93 38.85 6.70 75.59 0.00 4.32 0.00 0.00 10.80 414.80 12.39 163.79 1,523.55

271.78 278.57 303.50 372.28 484.58 715.80 739.80 791.38 796.31 835.16 841.86 917.45 917.45 921.77 921.77 921.77 932.56 1,347.36 1,359.75 1,523.55

17.84 17.84 0.45 18.28 1.64 19.92 4.51 24.44 7.37 31.81 15.18 46.98 1.58 48.56 3.39 51.94 0.32 52.27 2.55 54.82 0.44 55.26 4.96 60.22 0.00 60.22 0.28 60.50 0.00 60.50 0.00 60.50 0.71 61.21 27.23 88.44 0.81 89.25 10.75 100.00

31.41 2.13 3.03 11.34 11.47 25.11 1.40 4.48 0.66 7.86 1.40 9.52 0.00 0.42 0.00 0.00 1.07 89.10 2.01 50.31

31.41 23.53 15.12 14.25 13.49 15.86 11.87 10.72 9.79 9.68 9.25 9.27 8.94 8.16 7.86 7.13 6.69 9.36 9.06 9.93

9.93

Page 82 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 13 - JAWA TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 21,803 17,931 21,468 12,595 15,089 9,046 6,888 6,283 3,719 2,092 1,670 1,963 1,453 2,090 1,163 2,106 2,044 905 1,113 415 131,836

21,803 39,734 61,202 73,797 88,886 97,932 104,820 111,103 114,822 116,914 118,584 120,547 122,000 124,090 125,253 127,359 129,403 130,308 131,421 131,836

16.54 16.54 13.60 30.14 16.28 46.42 9.55 55.98 11.45 67.42 6.86 74.28 5.22 79.51 4.77 84.27 2.82 87.09 1.59 88.68 1.27 89.95 1.49 91.44 1.10 92.54 1.59 94.12 0.88 95.01 1.60 96.60 1.55 98.15 0.69 98.84 0.84 99.69 0.31 100.00

14,308.40 3,486.86 6,985.86 6,409.24 12,144.82 10,070.70 10,119.99 12,594.62 9,893.12 8,453.79 6,683.33 9,587.67 8,327.92 13,643.36 10,736.37 25,700.25 23,849.29 8,981.96 13,451.21 8,352.06 223,780.83

14,308.40 17,795.26 24,781.12 31,190.36 43,335.18 53,405.88 63,525.87 76,120.49 86,013.61 94,467.41 101,150.73 110,738.40 119,066.32 132,709.68 143,446.06 169,146.31 192,995.59 201,977.56 215,428.77 223,780.83

6.39 6.39 1.56 7.95 3.12 11.07 2.86 13.94 5.43 19.37 4.50 23.87 4.52 28.39 5.63 34.02 4.42 38.44 3.78 42.21 2.99 45.20 4.28 49.49 3.72 53.21 6.10 59.30 4.80 64.10 11.48 75.59 10.66 86.24 4.01 90.26 6.01 96.27 3.73 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

206 35 55 40 49 30 41 144 34 45 33 42 41 120 38 118 138 118 237 78

24,193.02 24,193.02 165.08 24,358.11 2,666.32 27,024.43 1,011.20 28,035.63 3,314.11 31,349.74 1,809.14 33,158.87 3,429.42 36,588.29 3,389.71 39,978.00 3,501.19 43,479.19 4,618.34 48,097.53 1,610.63 49,708.16 2,482.01 52,190.17 4,058.88 56,249.05 3,590.68 59,839.74 924.80 60,764.54 17,158.86 77,923.40 11,871.58 89,794.98 10,486.00 100,280.98 41,005.93 141,286.91 9,901.09 151,188.00

1,642

206 241 296 336 385 415 456 600 634 679 712 754 795 915 953 1,071 1,209 1,327 1,564 1,642

12.55 12.55 2.13 14.68 3.35 18.03 2.44 20.46 2.98 23.45 1.83 25.27 2.50 27.77 8.77 36.54 2.07 38.61 2.74 41.35 2.01 43.36 2.56 45.92 2.50 48.42 7.31 55.72 2.31 58.04 7.19 65.23 8.40 73.63 7.19 80.82 14.43 95.25 4.75 100.00

151,188.00

16.00 16.00 0.11 16.11 1.76 17.87 0.67 18.54 2.19 20.74 1.20 21.93 2.27 24.20 2.24 26.44 2.32 28.76 3.05 31.81 1.07 32.88 1.64 34.52 2.68 37.20 2.37 39.58 0.61 40.19 11.35 51.54 7.85 59.39 6.94 66.33 27.12 93.45 6.55 100.00

169.08 169.08 4.73 136.88 38.17 109.05 15.78 89.89 27.29 72.34 17.96 62.09 33.89 57.60 26.91 52.52 35.39 50.55 54.63 50.91 24.10 49.14 25.89 47.13 48.74 47.24 26.32 45.09 8.61 42.36 66.77 46.07 49.78 46.53 116.75 49.65 304.85 65.58 118.55 67.56 67.56

Page 83 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 14 - KALIMANTAN BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 9,181 9,105 10,042 3,654 2,842 1,037 686 470 229 164 122 146 82 116 62 163 151 65 58 15 38,390

9,181 18,286 28,328 31,982 34,824 35,861 36,547 37,017 37,246 37,410 37,532 37,678 37,760 37,876 37,938 38,101 38,252 38,317 38,375 38,390

23.92 23.92 23.72 47.63 26.16 73.79 9.52 83.31 7.40 90.71 2.70 93.41 1.79 95.20 1.22 96.42 0.60 97.02 0.43 97.45 0.32 97.77 0.38 98.15 0.21 98.36 0.30 98.66 0.16 98.82 0.42 99.25 0.39 99.64 0.17 99.81 0.15 99.96 0.04 100.00

4,066.56 4,186.30 9,277.75 5,877.09 6,545.68 3,312.90 2,737.33 2,100.27 1,470.83 1,006.59 739.63 1,129.76 720.46 1,103.41 830.07 3,016.07 1,918.16 5,530.57 1,743.33 248.98 57,561.72

4,066.56 8,252.86 17,530.60 23,407.69 29,953.37 33,266.27 36,003.60 38,103.87 39,574.69 40,581.28 41,320.91 42,450.67 43,171.13 44,274.54 45,104.61 48,120.68 50,038.84 55,569.41 57,312.74 57,561.72

7.06 7.06 7.27 14.34 16.12 30.46 10.21 40.67 11.37 52.04 5.76 57.79 4.76 62.55 3.65 66.20 2.56 68.75 1.75 70.50 1.28 71.79 1.96 73.75 1.25 75.00 1.92 76.92 1.44 78.36 5.24 83.60 3.33 86.93 9.61 96.54 3.03 99.57 0.43 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 27 18 49 37 26 8 1 7 0 3 0 2 7 4 14 26 11 5 14 0 259

27 45 94 131 157 165 166 173 173 176 176 178 185 189 203 229 240 245 259 259

10.42 10.42 6.95 17.37 18.92 36.29 14.29 50.58 10.04 60.62 3.09 63.71 0.39 64.09 2.70 66.80 0.00 66.80 1.16 67.95 0.00 67.95 0.77 68.73 2.70 71.43 1.54 72.97 5.41 78.38 10.04 88.42 4.25 92.66 1.93 94.59 5.41 100.00 0.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,414.80 613.93 2,846.67 2,161.89 2,606.07 401.29 0.00 79.39 0.00 57.76 0.00 344.47 304.15 80.12 493.12 10,355.36 3,694.27 1,504.64 8,584.25 0.00 35,542.18

1,414.80 2,028.74 4,875.40 7,037.29 9,643.36 10,044.65 10,044.65 10,124.04 10,124.04 10,181.79 10,181.79 10,526.27 10,830.42 10,910.54 11,403.66 21,759.02 25,453.29 26,957.93 35,542.18 35,542.18

3.98 3.98 34.79 1.73 5.71 14.67 8.01 13.72 30.68 6.08 19.80 36.78 7.33 27.13 39.81 1.13 28.26 12.11 0.00 28.26 0.00 0.22 28.48 3.78 0.00 28.48 0.00 0.16 28.65 5.74 0.00 28.65 0.00 0.97 29.62 30.49 0.86 30.47 42.22 0.23 30.70 7.26 1.39 32.08 59.41 29.14 61.22 343.34 10.39 71.61 192.59 4.23 75.85 27.21 24.15 100.00 492.40 0.00 100.00 0.00

34.79 24.58 27.81 30.06 32.19 30.19 27.90 26.57 25.58 25.09 24.64 24.80 25.09 24.64 25.28 45.22 50.87 48.51 62.01 61.75

61.75

Page 84 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 15 - KALIMANTAN TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,622 1,732 1,818 923 990 482 302 255 122 76 48 50 34 60 28 79 73 69 45 11 8,819

1,622 3,354 5,172 6,095 7,085 7,567 7,869 8,124 8,246 8,322 8,370 8,420 8,454 8,514 8,542 8,621 8,694 8,763 8,808 8,819

18.39 18.39 19.64 38.03 20.61 58.65 10.47 69.11 11.23 80.34 5.47 85.80 3.42 89.23 2.89 92.12 1.38 93.50 0.86 94.36 0.54 94.91 0.57 95.48 0.39 95.86 0.68 96.54 0.32 96.86 0.90 97.75 0.83 98.58 0.78 99.37 0.51 99.88 0.12 100.00

808.27 619.72 1,274.74 974.85 1,738.09 1,508.44 874.08 1,202.53 548.59 270.88 246.68 264.03 207.01 370.44 244.88 914.59 891.60 832.75 379.14 76.40 14,247.69

808.27 1,427.99 2,702.73 3,677.58 5,415.67 6,924.11 7,798.18 9,000.71 9,549.30 9,820.18 10,066.86 10,330.89 10,537.90 10,908.34 11,153.22 12,067.81 12,959.40 13,792.15 14,171.29 14,247.69

5.67 5.67 4.35 10.02 8.95 18.97 6.84 25.81 12.20 38.01 10.59 48.60 6.13 54.73 8.44 63.17 3.85 67.02 1.90 68.92 1.73 70.66 1.85 72.51 1.45 73.96 2.60 76.56 1.72 78.28 6.42 84.70 6.26 90.96 5.84 96.80 2.66 99.46 0.54 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 24 2 0 4 4 2 4 0 0 0 0 0 0 15 14 2 26 17 5 5 124

24 26 26 30 34 36 40 40 40 40 40 40 40 55 69 71 97 114 119 124

19.35 19.35 1.61 20.97 0.00 20.97 3.23 24.19 3.23 27.42 1.61 29.03 3.23 32.26 0.00 32.26 0.00 32.26 0.00 32.26 0.00 32.26 0.00 32.26 0.00 32.26 12.10 44.35 11.29 55.65 1.61 57.26 20.97 78.23 13.71 91.94 4.03 95.97 4.03 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 331.08 21.46 0.00 175.60 386.44 36.00 723.37 0.00 0.00 0.00 0.00 0.00 0.00 70.13 731.42 35.00 5,538.37 230.46 755.71 230.59 9,265.62

331.08 352.53 352.53 528.13 914.58 950.58 1,673.95 1,673.95 1,673.95 1,673.95 1,673.95 1,673.95 1,673.95 1,744.08 2,475.50 2,510.50 8,048.87 8,279.32 9,035.04 9,265.62

3.57 3.57 0.23 3.80 0.00 3.80 1.90 5.70 4.17 9.87 0.39 10.26 7.81 18.07 0.00 18.07 0.00 18.07 0.00 18.07 0.00 18.07 0.00 18.07 0.00 18.07 0.76 18.82 7.89 26.72 0.38 27.09 59.77 86.87 2.49 89.36 8.16 97.51 2.49 100.00

40.96 3.46 0.00 18.01 22.23 2.39 82.76 0.00 0.00 0.00 0.00 0.00 0.00 18.93 298.68 3.83 621.17 27.67 199.33 301.80

40.96 24.69 13.04 14.36 16.89 13.73 21.47 18.60 17.53 17.05 16.63 16.20 15.89 15.99 22.20 20.80 62.11 60.03 63.76 65.03

65.03

Page 85 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 16 - KALIMANTAN SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,872 3,215 3,946 2,069 1,963 1,010 579 454 270 169 114 154 121 133 106 160 141 110 94 37 18,717

3,872 7,087 11,033 13,102 15,065 16,075 16,654 17,108 17,378 17,547 17,661 17,815 17,936 18,069 18,175 18,335 18,476 18,586 18,680 18,717

20.69 20.69 17.18 37.86 21.08 58.95 11.05 70.00 10.49 80.49 5.40 85.88 3.09 88.98 2.43 91.40 1.44 92.85 0.90 93.75 0.61 94.36 0.82 95.18 0.65 95.83 0.71 96.54 0.57 97.10 0.85 97.96 0.75 98.71 0.59 99.30 0.50 99.80 0.20 100.00

1,545.50 712.48 1,564.08 1,217.84 1,941.58 1,649.48 1,628.02 1,297.99 1,013.97 1,005.76 609.99 858.91 690.15 1,166.60 1,074.68 (792.05) 2,201.66 1,691.96 1,372.47 504.96 22,956.02

1,545.50 2,257.98 3,822.06 5,039.90 6,981.47 8,630.96 10,258.97 11,556.96 12,570.93 13,576.69 14,186.68 15,045.59 15,735.73 16,902.33 17,977.01 17,184.97 19,386.63 21,078.59 22,451.06 22,956.02

6.73 6.73 3.10 9.84 6.81 16.65 5.31 21.95 8.46 30.41 7.19 37.60 7.09 44.69 5.65 50.34 4.42 54.76 4.38 59.14 2.66 61.80 3.74 65.54 3.01 68.55 5.08 73.63 4.68 78.31 (3.45) 74.86 9.59 84.45 7.37 91.82 5.98 97.80 2.20 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 25 6 2 2 5 8 9 11 2 0 0 0 1 2 11 7 1 16 41 3 152

25 31 33 35 40 48 57 68 70 70 70 70 71 73 84 91 92 108 149 152

16.45 16.45 3.95 20.39 1.32 21.71 1.32 23.03 3.29 26.32 5.26 31.58 5.92 37.50 7.24 44.74 1.32 46.05 0.00 46.05 0.00 46.05 0.00 46.05 0.66 46.71 1.32 48.03 7.24 55.26 4.61 59.87 0.66 60.53 10.53 71.05 26.97 98.03 1.97 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,960.26 133.96 14.64 180.29 110.77 373.31 506.15 192.81 3.22 0.00 0.00 0.00 0.00 51.03 142.98 55.87 0.00 135.96 6,037.55 227.90 11,126.68

2,960.26 3,094.22 3,108.86 3,289.14 3,399.92 3,773.23 4,279.37 4,472.18 4,475.40 4,475.40 4,475.40 4,475.40 4,475.40 4,526.43 4,669.40 4,725.28 4,725.28 4,861.23 10,898.78 11,126.68

26.61 26.61 191.54 191.54 1.20 27.81 18.80 137.03 0.13 27.94 0.94 81.34 1.62 29.56 14.80 65.26 1.00 30.56 5.71 48.70 3.36 33.91 22.63 43.72 4.55 38.46 31.09 41.71 1.73 40.19 14.85 38.70 0.03 40.22 0.32 35.60 0.00 40.22 0.00 32.96 0.00 40.22 0.00 31.55 0.00 40.22 0.00 29.75 0.00 40.22 0.00 28.44 0.46 40.68 4.37 26.78 1.28 41.97 13.30 25.97 0.50 42.47 (7.05) 27.50 0.00 42.47 0.00 24.37 1.22 43.69 8.04 23.06 54.26 97.95 439.90 48.54 2.05 100.00 45.13 48.47 48.47

Page 86 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 17 - KALIMANTAN TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,840 3,612 5,215 3,476 4,121 2,143 1,548 1,173 613 299 274 276 190 233 164 244 292 139 214 69 28,135

3,840 7,452 12,667 16,143 20,264 22,407 23,955 25,128 25,741 26,040 26,314 26,590 26,780 27,013 27,177 27,421 27,713 27,852 28,066 28,135

13.65 13.65 12.84 26.49 18.54 45.02 12.35 57.38 14.65 72.02 7.62 79.64 5.50 85.14 4.17 89.31 2.18 91.49 1.06 92.55 0.97 93.53 0.98 94.51 0.68 95.18 0.83 96.01 0.58 96.59 0.87 97.46 1.04 98.50 0.49 98.99 0.76 99.75 0.25 100.00

2,957.58 1,110.16 2,578.43 2,584.80 4,728.74 3,845.42 3,953.95 3,939.46 2,582.02 1,202.96 1,613.28 1,672.07 1,347.86 2,224.54 1,325.50 4,439.72 3,076.58 1,813.85 4,144.14 2,649.05 53,790.11

2,957.58 4,067.74 6,646.17 9,230.97 13,959.71 17,805.13 21,759.08 25,698.54 28,280.56 29,483.52 31,096.80 32,768.86 34,116.72 36,341.26 37,666.76 42,106.48 45,183.06 46,996.92 51,141.06 53,790.11

5.50 5.50 2.06 7.56 4.79 12.36 4.81 17.16 8.79 25.95 7.15 33.10 7.35 40.45 7.32 47.78 4.80 52.58 2.24 54.81 3.00 57.81 3.11 60.92 2.51 63.43 4.14 67.56 2.46 70.03 8.25 78.28 5.72 84.00 3.37 87.37 7.70 95.08 4.92 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 21 8 12 4 21 4 8 10 2 0 12 9 0 4 0 12 14 13 61 4 219

21 29 41 45 66 70 78 88 90 90 102 111 111 115 115 127 141 154 215 219

9.59 9.59 3.65 13.24 5.48 18.72 1.83 20.55 9.59 30.14 1.83 31.96 3.65 35.62 4.57 40.18 0.91 41.10 0.00 41.10 5.48 46.58 4.11 50.68 0.00 50.68 1.83 52.51 0.00 52.51 5.48 57.99 6.39 64.38 5.94 70.32 27.85 98.17 1.83 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 3,556.79 209.86 262.77 148.19 973.13 42.85 917.79 75.52 28.00 0.00 3,061.52 280.76 0.00 581.73 0.00 1,283.52 254.03 4,930.86 10,219.94 240.80 27,068.06

3,556.79 3,766.65 4,029.42 4,177.61 5,150.74 5,193.59 6,111.38 6,186.90 6,214.90 6,214.90 9,276.42 9,557.18 9,557.18 10,138.91 10,138.91 11,422.44 11,676.46 16,607.32 26,827.26 27,068.06

13.14 13.14 0.78 13.92 0.97 14.89 0.55 15.43 3.60 19.03 0.16 19.19 3.39 22.58 0.28 22.86 0.10 22.96 0.00 22.96 11.31 34.27 1.04 35.31 0.00 35.31 2.15 37.46 0.00 37.46 4.74 42.20 0.94 43.14 18.22 61.35 37.76 99.11 0.89 100.00

120.26 120.26 18.90 92.60 10.19 60.63 5.73 45.26 20.58 36.90 1.11 29.17 23.21 28.09 1.92 24.07 1.08 21.98 0.00 21.08 189.77 29.83 16.79 29.17 0.00 28.01 26.15 27.90 0.00 26.92 28.91 27.13 8.26 25.84 271.84 35.34 246.61 52.46 9.09 50.32 50.32

Page 87 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 18 - SULAWESI UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,860 1,440 2,433 1,608 1,777 914 726 657 374 180 144 195 82 173 107 115 96 29 68 7 12,985

1,860 3,300 5,733 7,341 9,118 10,032 10,758 11,415 11,789 11,969 12,113 12,308 12,390 12,563 12,670 12,785 12,881 12,910 12,978 12,985

14.32 14.32 11.09 25.41 18.74 44.15 12.38 56.53 13.69 70.22 7.04 77.26 5.59 82.85 5.06 87.91 2.88 90.79 1.39 92.18 1.11 93.28 1.50 94.79 0.63 95.42 1.33 96.75 0.82 97.57 0.89 98.46 0.74 99.20 0.22 99.42 0.52 99.95 0.05 100.00

879.15 356.41 830.42 774.30 1,517.29 1,396.18 1,495.93 1,916.59 1,322.00 920.33 900.88 957.32 530.52 1,295.08 1,013.37 1,472.36 1,005.80 352.86 469.96 200.31 19,607.06

879.15 1,235.56 2,065.98 2,840.29 4,357.58 5,753.75 7,249.69 9,166.28 10,488.28 11,408.61 12,309.49 13,266.81 13,797.33 15,092.41 16,105.78 17,578.14 18,583.94 18,936.80 19,406.76 19,607.06

4.48 4.48 1.82 6.30 4.24 10.54 3.95 14.49 7.74 22.22 7.12 29.35 7.63 36.97 9.78 46.75 6.74 53.49 4.69 58.19 4.59 62.78 4.88 67.66 2.71 70.37 6.61 76.97 5.17 82.14 7.51 89.65 5.13 94.78 1.80 96.58 2.40 98.98 1.02 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 2 4 2 12 2 0 0 0 5 4 2 3 0 0 2 0 1 3 0 44

2 4 8 10 22 24 24 24 24 29 33 35 38 38 38 40 40 41 44 44

4.55 4.55 4.55 9.09 9.09 18.18 4.55 22.73 27.27 50.00 4.55 54.55 0.00 54.55 0.00 54.55 0.00 54.55 11.36 65.91 9.09 75.00 4.55 79.55 6.82 86.36 0.00 86.36 0.00 86.36 4.55 90.91 0.00 90.91 2.27 93.18 6.82 100.00 0.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 70.71 48.00 219.68 130.00 1,009.72 19.09 0.00 0.00 0.00 87.43 320.55 0.00 69.30 0.00 0.00 0.00 0.00 0.00 5.52 0.00 1,979.99

70.71 118.71 338.39 468.39 1,478.11 1,497.20 1,497.20 1,497.20 1,497.20 1,584.63 1,905.17 1,905.17 1,974.47 1,974.47 1,974.47 1,974.47 1,974.47 1,974.47 1,979.99 1,979.99

3.57 3.57 2.42 6.00 11.09 17.09 6.57 23.66 51.00 74.65 0.96 75.62 0.00 75.62 0.00 75.62 0.00 75.62 4.42 80.03 16.19 96.22 0.00 96.22 3.50 99.72 0.00 99.72 0.00 99.72 0.00 99.72 0.00 99.72 0.00 99.72 0.28 100.00 0.00 100.00

8.04 13.47 26.45 16.79 66.55 1.37 0.00 0.00 0.00 9.50 35.58 0.00 13.06 0.00 0.00 0.00 0.00 0.00 1.17 0.00

8.04 9.61 16.38 16.49 33.92 26.02 20.65 16.33 14.27 13.89 15.48 14.36 14.31 13.08 12.26 11.23 10.62 10.43 10.20 10.10

10.10

Page 88 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 19 - SULAWESI TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,243 958 1,240 828 880 470 329 284 162 82 47 69 55 63 36 22 36 19 5 0 6,828

1,243 2,201 3,441 4,269 5,149 5,619 5,948 6,232 6,394 6,476 6,523 6,592 6,647 6,710 6,746 6,768 6,804 6,823 6,828 6,828

18.20 18.20 14.03 32.23 18.16 50.40 12.13 62.52 12.89 75.41 6.88 82.29 4.82 87.11 4.16 91.27 2.37 93.64 1.20 94.84 0.69 95.53 1.01 96.54 0.81 97.35 0.92 98.27 0.53 98.80 0.32 99.12 0.53 99.65 0.28 99.93 0.07 100.00 0.00 100.00

312.68 266.16 618.21 988.24 1,420.68 1,037.34 1,005.83 1,102.83 843.80 529.99 331.67 523.71 404.69 424.87 310.32 592.98 286.02 79.79 34.18 0.00 11,113.99

312.68 578.84 1,197.06 2,185.30 3,605.97 4,643.32 5,649.15 6,751.98 7,595.78 8,125.77 8,457.44 8,981.15 9,385.84 9,810.71 10,121.02 10,714.00 11,000.02 11,079.81 11,113.99 11,113.99

2.81 2.81 2.39 5.21 5.56 10.77 8.89 19.66 12.78 32.45 9.33 41.78 9.05 50.83 9.92 60.75 7.59 68.34 4.77 73.11 2.98 76.10 4.71 80.81 3.64 84.45 3.82 88.27 2.79 91.07 5.34 96.40 2.57 98.97 0.72 99.69 0.31 100.00 0.00 100.00

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

0 2 4 4 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8

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

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

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 94.56 2.47 0.00 56.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 153.84

0.00 94.56 97.02 97.02 153.84 153.84 153.84 153.84 153.84 153.84 153.84 153.84 153.84 153.84 153.84 153.84 153.84 153.84 153.84 153.84

0.00 61.46 1.60 0.00 36.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 61.46 63.07 63.07 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 35.53 0.40 0.00 4.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 16.34 8.11 4.44 4.27 3.31 2.72 2.28 2.03 1.89 1.82 1.71 1.64 1.57 1.52 1.44 1.40 1.39 1.38 1.38

1.38

Page 89 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 20 - SULAWESI SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,221 6,300 7,357 4,007 4,085 2,163 1,355 1,095 624 328 294 341 190 311 155 243 216 93 99 51 34,528

5,221 11,521 18,878 22,885 26,970 29,133 30,488 31,583 32,207 32,535 32,829 33,170 33,360 33,671 33,826 34,069 34,285 34,378 34,477 34,528

15.12 15.12 18.25 33.37 21.31 54.67 11.61 66.28 11.83 78.11 6.26 84.38 3.92 88.30 3.17 91.47 1.81 93.28 0.95 94.23 0.85 95.08 0.99 96.07 0.55 96.62 0.90 97.52 0.45 97.97 0.70 98.67 0.63 99.30 0.27 99.57 0.29 99.85 0.15 100.00

1,927.56 1,259.02 2,876.73 3,187.92 5,398.54 4,899.54 3,620.37 3,569.48 2,370.73 1,409.94 1,486.74 1,666.80 1,274.28 2,027.15 1,518.20 3,055.75 2,515.03 1,490.57 1,190.91 950.95 47,696.22

1,927.56 3,186.58 6,063.31 9,251.22 14,649.77 19,549.30 23,169.67 26,739.15 29,109.88 30,519.83 32,006.57 33,673.37 34,947.65 36,974.81 38,493.01 41,548.76 44,063.79 45,554.35 46,745.27 47,696.22

4.04 4.04 2.64 6.68 6.03 12.71 6.68 19.40 11.32 30.71 10.27 40.99 7.59 48.58 7.48 56.06 4.97 61.03 2.96 63.99 3.12 67.11 3.49 70.60 2.67 73.27 4.25 77.52 3.18 80.70 6.41 87.11 5.27 92.38 3.13 95.51 2.50 98.01 1.99 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 23 8 4 9 13 8 11 3 6 6 5 4 8 8 0 4 2 6 8 4 140

23 31 35 44 57 65 76 79 85 91 96 100 108 116 116 120 122 128 136 140

16.43 16.43 5.71 22.14 2.86 25.00 6.43 31.43 9.29 40.71 5.71 46.43 7.86 54.29 2.14 56.43 4.29 60.71 4.29 65.00 3.57 68.57 2.86 71.43 5.71 77.14 5.71 82.86 0.00 82.86 2.86 85.71 1.43 87.14 4.29 91.43 5.71 97.14 2.86 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,631.20 23.06 33.35 390.12 861.67 218.94 4,791.15 1,034.14 60.86 30.92 198.35 1,971.33 239.57 304.83 0.00 42.59 32.67 133.06 182.54 516.55 13,696.92

2,631.20 2,654.27 2,687.61 3,077.74 3,939.41 4,158.34 8,949.49 9,983.64 10,044.50 10,075.42 10,273.77 12,245.10 12,484.67 12,789.50 12,789.50 12,832.09 12,864.76 12,997.83 13,180.37 13,696.92

19.21 19.21 136.50 136.50 0.17 19.38 1.83 83.30 0.24 19.62 1.16 44.33 2.85 22.47 12.24 33.27 6.29 28.76 15.96 26.89 1.60 30.36 4.47 21.27 34.98 65.34 132.34 38.63 7.55 72.89 28.97 37.34 0.44 73.33 2.57 34.51 0.23 73.56 2.19 33.01 1.45 75.01 13.34 32.10 14.39 89.40 118.27 36.36 1.75 91.15 18.80 35.72 2.23 93.38 15.04 34.59 0.00 93.38 0.00 33.23 0.31 93.69 1.39 30.88 0.24 93.92 1.30 29.20 0.97 94.90 8.93 28.53 1.33 96.23 15.33 28.20 3.77 100.00 54.32 28.72 28.72

Page 90 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 21 - SULAWESI TENGGARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 664 743 929 605 690 381 213 189 79 32 29 57 14 28 10 17 17 2 7 5 4,711

664 1,407 2,336 2,941 3,631 4,012 4,225 4,414 4,493 4,525 4,554 4,611 4,625 4,653 4,663 4,680 4,697 4,699 4,706 4,711

14.09 14.09 15.77 29.87 19.72 49.59 12.84 62.43 14.65 77.07 8.09 85.16 4.52 89.68 4.01 93.70 1.68 95.37 0.68 96.05 0.62 96.67 1.21 97.88 0.30 98.17 0.59 98.77 0.21 98.98 0.36 99.34 0.36 99.70 0.04 99.75 0.15 99.89 0.11 100.00

218.03 143.89 396.03 408.08 902.34 727.05 579.88 628.17 312.67 158.96 148.57 217.11 126.53 292.53 69.50 153.30 236.40 20.18 24.97 156.02 5,920.20

218.03 361.92 757.95 1,166.03 2,068.37 2,795.42 3,375.30 4,003.46 4,316.13 4,475.09 4,623.66 4,840.77 4,967.30 5,259.83 5,329.33 5,482.63 5,719.03 5,739.21 5,764.19 5,920.20

3.68 3.68 2.43 6.11 6.69 12.80 6.89 19.70 15.24 34.94 12.28 47.22 9.79 57.01 10.61 67.62 5.28 72.91 2.68 75.59 2.51 78.10 3.67 81.77 2.14 83.90 4.94 88.85 1.17 90.02 2.59 92.61 3.99 96.60 0.34 96.94 0.42 97.36 2.64 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 6 0 3 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 16

2 8 8 11 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 16

12.50 12.50 37.50 50.00 0.00 50.00 18.75 68.75 18.75 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 12.50 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.60 147.70 0.00 128.11 90.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 840.99 1,207.41

0.60 148.30 148.30 276.41 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 366.42 1,207.41

0.05 0.05 0.28 12.23 12.28 102.65 0.00 12.28 0.00 10.61 22.89 31.39 7.45 30.35 9.97 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 0.00 30.35 0.00 69.65 100.00 539.03

0.28 40.98 19.57 23.71 17.72 13.11 10.86 9.15 8.49 8.19 7.92 7.57 7.38 6.97 6.88 6.68 6.41 6.38 6.36 20.39

20.39

Page 91 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 22 - BALI

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,628 3,276 3,808 2,635 3,319 1,958 1,861 1,569 1,037 617 422 628 326 433 282 379 355 116 140 106 27,895

4,628 7,904 11,712 14,347 17,666 19,624 21,485 23,054 24,091 24,708 25,130 25,758 26,084 26,517 26,799 27,178 27,533 27,649 27,789 27,895

16.59 16.59 11.74 28.33 13.65 41.99 9.45 51.43 11.90 63.33 7.02 70.35 6.67 77.02 5.62 82.65 3.72 86.36 2.21 88.58 1.51 90.09 2.25 92.34 1.17 93.51 1.55 95.06 1.01 96.07 1.36 97.43 1.27 98.70 0.42 99.12 0.50 99.62 0.38 100.00

2,259.43 556.14 1,113.24 1,414.27 2,644.82 2,537.00 5,416.88 3,556.80 2,887.54 2,028.64 1,681.73 2,840.25 1,856.52 3,053.28 2,186.94 3,831.85 3,210.40 1,187.71 2,218.14 3,275.33 49,756.92

2,259.43 2,815.56 3,928.80 5,343.07 7,987.89 10,524.89 15,941.77 19,498.57 22,386.11 24,414.75 26,096.48 28,936.73 30,793.25 33,846.53 36,033.47 39,865.33 43,075.73 44,263.44 46,481.58 49,756.92

4.54 4.54 1.12 5.66 2.24 7.90 2.84 10.74 5.32 16.05 5.10 21.15 10.89 32.04 7.15 39.19 5.80 44.99 4.08 49.07 3.38 52.45 5.71 58.16 3.73 61.89 6.14 68.02 4.40 72.42 7.70 80.12 6.45 86.57 2.39 88.96 4.46 93.42 6.58 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 40 4 4 6 14 8 20 20 20 10 7 14 9 11 6 22 28 12 34 8 297

40 44 48 54 68 76 96 116 136 146 153 167 176 187 193 215 243 255 289 297

13.47 13.47 1.35 14.81 1.35 16.16 2.02 18.18 4.71 22.90 2.69 25.59 6.73 32.32 6.73 39.06 6.73 45.79 3.37 49.16 2.36 51.52 4.71 56.23 3.03 59.26 3.70 62.96 2.02 64.98 7.41 72.39 9.43 81.82 4.04 85.86 11.45 97.31 2.69 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,722.02 6.56 41.75 169.47 203.58 42.40 1,201.81 873.66 63.57 113.68 36.06 95.96 2,310.84 551.00 440.86 728.91 294.59 147.06 2,532.90 629.75 12,206.42

1,722.02 1,728.58 1,770.33 1,939.79 2,143.37 2,185.77 3,387.57 4,261.23 4,324.80 4,438.48 4,474.54 4,570.51 6,881.35 7,432.35 7,873.21 8,602.12 8,896.71 9,043.77 11,576.67 12,206.42

14.11 14.11 76.21 0.05 14.16 1.18 0.34 14.50 3.75 1.39 15.89 11.98 1.67 17.56 7.70 0.35 17.91 1.67 9.85 27.75 22.19 7.16 34.91 24.56 0.52 35.43 2.20 0.93 36.36 5.60 0.30 36.66 2.14 0.79 37.44 3.38 18.93 56.37 124.47 4.51 60.89 18.05 3.61 64.50 20.16 5.97 70.47 19.02 2.41 72.89 9.18 1.20 74.09 12.38 20.75 94.84 114.19 5.16 100.00 19.23

76.21 61.39 45.06 36.30 26.83 20.77 21.25 21.85 19.32 18.18 17.15 15.79 22.35 21.96 21.85 21.58 20.65 20.43 24.91 24.53

24.53

Page 92 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 23 - NUSA TENGGARA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

1,739 1,434 1,635 838 867 424 340 257 101 108 55 73 64 58 19 50 38 16 13 1

2 0 0 3 4 0 2 2 13 0 0 2 6 0 0 172 2 9 5 0

8,130

1,739 3,173 4,808 5,646 6,513 6,937 7,277 7,534 7,635 7,743 7,798 7,871 7,935 7,993 8,012 8,062 8,100 8,116 8,129 8,130

21.39 21.39 17.64 39.03 20.11 59.14 10.31 69.45 10.66 80.11 5.22 85.33 4.18 89.51 3.16 92.67 1.24 93.91 1.33 95.24 0.68 95.92 0.90 96.81 0.79 97.60 0.71 98.31 0.23 98.55 0.62 99.16 0.47 99.63 0.20 99.83 0.16 99.99 0.01 100.00

312.01 278.86 726.27 653.50 923.07 709.53 561.04 693.11 408.00 381.99 268.76 415.07 331.09 493.05 120.56 1,041.38 389.36 114.08 90.51 184.41 9,095.65

312.01 590.86 1,317.13 1,970.63 2,893.71 3,603.24 4,164.28 4,857.38 5,265.39 5,647.38 5,916.13 6,331.20 6,662.30 7,155.35 7,275.91 8,317.29 8,706.65 8,820.73 8,911.24 9,095.65

3.43 3.43 3.07 6.50 7.98 14.48 7.18 21.67 10.15 31.81 7.80 39.61 6.17 45.78 7.62 53.40 4.49 57.89 4.20 62.09 2.95 65.04 4.56 69.61 3.64 73.25 5.42 78.67 1.33 79.99 11.45 91.44 4.28 95.72 1.25 96.98 1.00 97.97 2.03 100.00

222

2 2 2 5 9 9 11 13 26 26 26 28 34 34 34 206 208 217 222 222

0.90 0.90 0.00 0.90 0.00 0.90 1.35 2.25 1.80 4.05 0.00 4.05 0.90 4.95 0.90 5.86 5.86 11.71 0.00 11.71 0.00 11.71 0.90 12.61 2.70 15.32 0.00 15.32 0.00 15.32 77.48 92.79 0.90 93.69 4.05 97.75 2.25 100.00 0.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 5.67 0.00 0.00 21.19 21.52 0.00 0.37 5.78 290.61 0.00 0.00 2.51 664.06 0.00 0.00 454.30 5.67 934.23 79.86 0.00 2,485.78

5.67 5.67 5.67 26.86 48.38 48.38 48.75 54.53 345.14 345.14 345.14 347.65 1,011.71 1,011.71 1,011.71 1,466.01 1,471.68 2,405.91 2,485.78 2,485.78

0.23 0.23 1.82 0.00 0.23 0.00 0.00 0.23 0.00 0.85 1.08 3.24 0.87 1.95 2.33 0.00 1.95 0.00 0.02 1.96 0.07 0.23 2.19 0.83 11.69 13.88 71.23 0.00 13.88 0.00 0.00 13.88 0.00 0.10 13.99 0.60 26.71 40.70 200.57 0.00 40.70 0.00 0.00 40.70 0.00 18.28 58.98 43.62 0.23 59.20 1.46 37.58 96.79 818.91 3.21 100.00 88.24 0.00 100.00 0.00

1.82 0.96 0.43 1.36 1.67 1.34 1.17 1.12 6.55 6.11 5.83 5.49 15.19 14.14 13.90 17.63 16.90 27.28 27.89 27.33

27.33

Page 93 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 24 - NUSA TENGGARA TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 825 1,160 1,184 644 842 487 367 267 156 84 62 51 30 36 19 38 29 1 5 1 6,288

825 1,985 3,169 3,813 4,655 5,142 5,509 5,776 5,932 6,016 6,078 6,129 6,159 6,195 6,214 6,252 6,281 6,282 6,287 6,288

13.12 13.12 18.45 31.57 18.83 50.40 10.24 60.64 13.39 74.03 7.74 81.77 5.84 87.61 4.25 91.86 2.48 94.34 1.34 95.67 0.99 96.66 0.81 97.47 0.48 97.95 0.57 98.52 0.30 98.82 0.60 99.43 0.46 99.89 0.02 99.90 0.08 99.98 0.02 100.00

104.99 219.70 534.56 510.73 1,141.55 980.46 1,069.06 1,055.32 706.42 398.83 439.50 364.28 229.58 298.18 132.73 291.03 223.45 16.55 8.22 24.28 8,749.42

104.99 324.70 859.26 1,369.99 2,511.54 3,492.00 4,561.07 5,616.38 6,322.80 6,721.64 7,161.14 7,525.41 7,755.00 8,053.18 8,185.91 8,476.94 8,700.38 8,716.93 8,725.15 8,749.42

1.20 1.20 2.51 3.71 6.11 9.82 5.84 15.66 13.05 28.71 11.21 39.91 12.22 52.13 12.06 64.19 8.07 72.27 4.56 76.82 5.02 81.85 4.16 86.01 2.62 88.63 3.41 92.04 1.52 93.56 3.33 96.89 2.55 99.44 0.19 99.63 0.09 99.72 0.28 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 2 0 2 2 3 0 3 3 0 0 0 0 0 0 0 0 0 0 0 15

0 2 2 4 6 9 9 12 15 15 15 15 15 15 15 15 15 15 15 15

0.00 13.33 0.00 13.33 13.33 20.00 0.00 20.00 20.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 13.33 13.33 26.67 40.00 60.00 60.00 80.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 33.89 0.00 189.41 28.00 190.95 0.00 82.48 665.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,190.69

0.00 33.89 33.89 223.30 251.29 442.24 442.24 524.72 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69 1,190.69

0.00 2.85 0.00 15.91 2.35 16.04 0.00 6.93 55.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 2.85 2.85 18.75 21.10 37.14 37.14 44.07 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 15.42 0.00 37.09 2.45 19.48 0.00 7.82 94.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 10.44 3.94 16.30 10.01 12.66 9.70 9.34 18.83 17.71 16.63 15.82 15.35 14.79 14.55 14.05 13.69 13.66 13.65 13.61

13.61

Page 94 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 25 - MALUKU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 337 305 321 233 260 135 130 128 64 34 24 22 23 22 18 30 13 17 12 0 2,128

337 642 963 1,196 1,456 1,591 1,721 1,849 1,913 1,947 1,971 1,993 2,016 2,038 2,056 2,086 2,099 2,116 2,128 2,128

15.84 15.84 14.33 30.17 15.08 45.25 10.95 56.20 12.22 68.42 6.34 74.77 6.11 80.87 6.02 86.89 3.01 89.90 1.60 91.49 1.13 92.62 1.03 93.66 1.08 94.74 1.03 95.77 0.85 96.62 1.41 98.03 0.61 98.64 0.80 99.44 0.56 100.00 0.00 100.00

167.89 66.82 158.53 185.27 352.12 307.63 398.19 459.16 344.74 172.54 137.79 204.17 190.73 261.69 79.81 426.39 171.88 178.12 144.35 0.00 4,407.83

167.89 234.71 393.24 578.51 930.63 1,238.27 1,636.45 2,095.61 2,440.36 2,612.90 2,750.68 2,954.85 3,145.59 3,407.28 3,487.09 3,913.48 4,085.36 4,263.48 4,407.83 4,407.83

3.81 3.81 1.52 5.32 3.60 8.92 4.20 13.12 7.99 21.11 6.98 28.09 9.03 37.13 10.42 47.54 7.82 55.36 3.91 59.28 3.13 62.40 4.63 67.04 4.33 71.36 5.94 77.30 1.81 79.11 9.67 88.78 3.90 92.68 4.04 96.73 3.27 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 0 0 0 4 0 0 0 0 0 0 0 2 8 0 0 0 0 16

2 2 2 2 2 2 6 6 6 6 6 6 6 6 8 16 16 16 16 16

12.50 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 12.50 50.00 0.00 0.00 0.00 0.00

12.50 12.50 12.50 12.50 12.50 12.50 37.50 37.50 37.50 37.50 37.50 37.50 37.50 37.50 50.00 100.00 100.00 100.00 100.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 40.53 0.00 0.00 0.00 0.00 0.00 109.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,752.27 6,671.26 0.00 0.00 0.00 0.00 8,573.98

40.53 40.53 40.53 40.53 40.53 40.53 150.45 150.45 150.45 150.45 150.45 150.45 150.45 150.45 1,902.73 8,573.98 8,573.98 8,573.98 8,573.98 8,573.98

0.47 0.00 0.00 0.00 0.00 0.00 1.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 20.44 77.81 0.00 0.00 0.00 0.00

0.47 0.47 0.47 0.47 0.47 0.47 1.75 1.75 1.75 1.75 1.75 1.75 1.75 1.75 22.19 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012 LOSS RATIO PERCENTAGE BAND CUM. 24.14 0.00 0.00 0.00 0.00 0.00 27.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2195.48 1,564.60 0.00 0.00 0.00 0.00

24.14 17.27 10.31 7.01 4.35 3.27 9.19 7.18 6.17 5.76 5.47 5.09 4.78 4.42 54.56 219.09 209.87 201.10 194.52 194.52

194.52

Page 95 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 26 - IRIAN JAYA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 816 789 1,135 841 1,017 584 448 361 206 146 77 101 57 87 39 60 39 8 19 0 6,830

816 1,605 2,740 3,581 4,598 5,182 5,630 5,991 6,197 6,343 6,420 6,521 6,578 6,665 6,704 6,764 6,803 6,811 6,830 6,830

11.95 11.95 11.55 23.50 16.62 40.12 12.31 52.43 14.89 67.32 8.55 75.87 6.56 82.43 5.29 87.72 3.02 90.73 2.14 92.87 1.13 94.00 1.48 95.48 0.83 96.31 1.27 97.58 0.57 98.16 0.88 99.03 0.57 99.60 0.12 99.72 0.28 100.00 0.00 100.00

191.03 252.23 538.42 668.98 1,516.69 1,314.77 1,378.32 1,622.42 1,217.72 1,034.99 647.70 810.15 533.29 870.40 516.00 750.09 555.61 257.38 884.76 0.00 15,560.96

191.03 443.27 981.69 1,650.67 3,167.36 4,482.12 5,860.45 7,482.87 8,700.59 9,735.58 10,383.28 11,193.43 11,726.72 12,597.12 13,113.13 13,863.22 14,418.83 14,676.20 15,560.96 15,560.96

1.23 1.23 1.62 2.85 3.46 6.31 4.30 10.61 9.75 20.35 8.45 28.80 8.86 37.66 10.43 48.09 7.83 55.91 6.65 62.56 4.16 66.73 5.21 71.93 3.43 75.36 5.59 80.95 3.32 84.27 4.82 89.09 3.57 92.66 1.65 94.31 5.69 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 6 2 4 0 0 5 5 3 5 1 3 0 0 0 0 10 20 47 0 111

0 6 8 12 12 12 17 22 25 30 31 34 34 34 34 34 44 64 111 111

0.00 0.00 5.41 5.41 1.80 7.21 3.60 10.81 0.00 10.81 0.00 10.81 4.50 15.32 4.50 19.82 2.70 22.52 4.50 27.03 0.90 27.93 2.70 30.63 0.00 30.63 0.00 30.63 0.00 30.63 0.00 30.63 9.01 39.64 18.02 57.66 42.34 100.00 0.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 99.79 64.58 694.80 0.00 0.00 644.78 243.08 1,064.01 63.92 110.37 17.44 0.00 0.00 0.00 0.00 19.97 54.10 109.41 0.00 3,186.26

0.00 99.79 164.38 859.17 859.17 859.17 1,503.95 1,747.03 2,811.04 2,874.96 2,985.33 3,002.77 3,002.77 3,002.77 3,002.77 3,002.77 3,022.74 3,076.85 3,186.26 3,186.26

0.00 0.00 0.00 3.13 3.13 39.56 2.03 5.16 12.00 21.81 26.96 103.86 0.00 26.96 0.00 0.00 26.96 0.00 20.24 47.20 46.78 7.63 54.83 14.98 33.39 88.22 87.38 2.01 90.23 6.18 3.46 93.69 17.04 0.55 94.24 2.15 0.00 94.24 0.00 0.00 94.24 0.00 0.00 94.24 0.00 0.00 94.24 0.00 0.63 94.87 3.59 1.70 96.57 21.02 3.43 100.00 12.37 0.00 100.00 0.00

0.00 22.51 16.74 52.05 27.13 19.17 25.66 23.35 32.31 29.53 28.75 26.83 25.61 23.84 22.90 21.66 20.96 20.96 20.48 20.48

20.48

Page 96 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 27 - MALUKU UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 139 154 239 131 156 112 100 88 55 25 15 22 21 19 3 1 1 3 2 2 1,288

139 293 532 663 819 931 1,031 1,119 1,174 1,199 1,214 1,236 1,257 1,276 1,279 1,280 1,281 1,284 1,286 1,288

10.79 10.79 11.96 22.75 18.56 41.30 10.17 51.48 12.11 63.59 8.70 72.28 7.76 80.05 6.83 86.88 4.27 91.15 1.94 93.09 1.16 94.25 1.71 95.96 1.63 97.59 1.48 99.07 0.23 99.30 0.08 99.38 0.08 99.46 0.23 99.69 0.16 99.84 0.16 100.00

67.97 33.00 123.83 94.43 235.34 230.88 281.14 496.42 383.83 205.46 124.92 194.36 236.19 244.79 55.44 67.87 8.05 130.67 27.00 0.00 3,241.60

67.97 100.97 224.80 319.24 554.58 785.46 1,066.60 1,563.02 1,946.85 2,152.31 2,277.23 2,471.59 2,707.78 2,952.57 3,008.01 3,075.88 3,083.93 3,214.60 3,241.60 3,241.60

2.10 2.10 1.02 3.11 3.82 6.93 2.91 9.85 7.26 17.11 7.12 24.23 8.67 32.90 15.31 48.22 11.84 60.06 6.34 66.40 3.85 70.25 6.00 76.25 7.29 83.53 7.55 91.08 1.71 92.79 2.09 94.89 0.25 95.14 4.03 99.17 0.83 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 2 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 0 0.00 0.00 0 0.00 0.00 2 100.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 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 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 183.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 183.07

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 183.07 100.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00

0.00 0.00 0.00 0.00 77.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 33.01 23.31 17.16 11.71 9.40 8.51 8.04 7.41 6.76 6.20 6.09 5.95 5.94 5.69 5.65 5.65

5.65

Page 97 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 28 - IRIAN JAYA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 280 358 597 319 330 201 168 108 67 38 32 30 21 21 16 27 14 4 1 0 2,632

280 638 1,235 1,554 1,884 2,085 2,253 2,361 2,428 2,466 2,498 2,528 2,549 2,570 2,586 2,613 2,627 2,631 2,632 2,632

10.64 10.64 13.60 24.24 22.68 46.92 12.12 59.04 12.54 71.58 7.64 79.22 6.38 85.60 4.10 89.70 2.55 92.25 1.44 93.69 1.22 94.91 1.14 96.05 0.80 96.85 0.80 97.64 0.61 98.25 1.03 99.28 0.53 99.81 0.15 99.96 0.04 100.00 0.00 100.00

24.93 62.03 182.38 184.47 369.69 442.47 524.59 420.39 347.40 263.25 258.10 271.71 159.34 265.93 277.72 305.18 271.42 65.05 6.33 0.00 4,702.39

24.93 86.97 269.34 453.82 823.51 1,265.98 1,790.57 2,210.96 2,558.36 2,821.61 3,079.72 3,351.43 3,510.77 3,776.70 4,054.42 4,359.60 4,631.01 4,696.06 4,702.39 4,702.39

0.53 0.53 1.32 1.85 3.88 5.73 3.92 9.65 7.86 17.51 9.41 26.92 11.16 38.08 8.94 47.02 7.39 54.41 5.60 60.00 5.49 65.49 5.78 71.27 3.39 74.66 5.66 80.31 5.91 86.22 6.49 92.71 5.77 98.48 1.38 99.87 0.13 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 4 2 2 2 0 0 0 0 0 0 0 0 0 0 0 0 0 10

0 0 0 4 6 8 10 10 10 10 10 10 10 10 10 10 10 10 10 10

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

0.00 0.00 0.00 40.00 60.00 80.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 172.78 24.45 437.45 44.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 679.61

0.00 0.00 0.00 172.78 197.23 634.68 679.61 679.61 679.61 679.61 679.61 679.61 679.61 679.61 679.61 679.61 679.61 679.61 679.61 679.61

0.00 0.00 0.00 25.42 3.60 64.37 6.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 25.42 29.02 93.39 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 93.66 6.61 98.87 8.57 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 38.07 23.95 50.13 37.96 30.74 26.56 24.09 22.07 20.28 19.36 17.99 16.76 15.59 14.68 14.47 14.45 14.45

14.45

Page 98 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 29 - BANTEN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2009 15/12/2011 15/04/2012

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

7,645 6,291 9,642 6,575 7,547 3,671 2,545 2,163 1,266 757 676 867 615 846 646 1,052 1,080 546 725 218

174 8 26 25 30 13 27 29 20 14 14 14 12 16 21 34 93 56 87 45

14,771.81 460.16 329.30 338.18 531.59 1,127.12 217.79 1,625.53 3,033.20 70.81 555.82 262.87 4,339.72 3,980.59 632.85 1,385.38 9,061.77 17,833.57 11,488.26 6,650.97

55,373

7,645 13,936 23,578 30,153 37,700 41,371 43,916 46,079 47,345 48,102 48,778 49,645 50,260 51,106 51,752 52,804 53,884 54,430 55,155 55,373

13.81 13.81 11.36 25.17 17.41 42.58 11.87 54.45 13.63 68.08 6.63 74.71 4.60 79.31 3.91 83.22 2.29 85.50 1.37 86.87 1.22 88.09 1.57 89.66 1.11 90.77 1.53 92.29 1.17 93.46 1.90 95.36 1.95 97.31 0.99 98.30 1.31 99.61 0.39 100.00

8,478.21 8,478.21 1,238.11 9,716.33 3,241.73 12,958.05 2,754.71 15,712.76 5,245.36 20,958.13 4,013.07 24,971.20 3,722.17 28,693.37 4,336.74 33,030.11 3,653.48 36,683.59 2,843.95 39,527.55 2,999.40 42,526.95 4,221.66 46,748.61 3,614.87 50,363.48 6,429.50 56,792.98 5,864.00 62,656.98 13,020.21 75,677.19 14,064.70 89,741.89 5,904.05 95,645.94 7,405.34 103,051.28 1,158.07 104,209.35 104,209.35

8.14 8.14 1.19 9.32 3.11 12.43 2.64 15.08 5.03 20.11 3.85 23.96 3.57 27.53 4.16 31.70 3.51 35.20 2.73 37.93 2.88 40.81 4.05 44.86 3.47 48.33 6.17 54.50 5.63 60.13 12.49 72.62 13.50 86.12 5.67 91.78 7.11 98.89 1.11 100.00

758

174 182 208 233 263 276 303 332 352 366 380 394 406 422 443 477 570 626 713 758

22.96 22.96 1.06 24.01 3.43 27.44 3.30 30.74 3.96 34.70 1.72 36.41 3.56 39.97 3.83 43.80 2.64 46.44 1.85 48.28 1.85 50.13 1.85 51.98 1.58 53.56 2.11 55.67 2.77 58.44 4.49 62.93 12.27 75.20 7.39 82.59 11.48 94.06 5.94 100.00

78,697.27

14,771.81 15,231.97 15,561.27 15,899.44 16,431.03 17,558.15 17,775.94 19,401.47 22,434.67 22,505.48 23,061.30 23,324.16 27,663.88 31,644.48 32,277.32 33,662.70 42,724.48 60,558.04 72,046.30 78,697.27

18.77 18.77 0.58 19.36 0.42 19.77 0.43 20.20 0.68 20.88 1.43 22.31 0.28 22.59 2.07 24.65 3.85 28.51 0.09 28.60 0.71 29.30 0.33 29.64 5.51 35.15 5.06 40.21 0.80 41.01 1.76 42.77 11.51 54.29 22.66 76.95 14.60 91.55 8.45 100.00

174.23 37.17 10.16 12.28 10.13 28.09 5.85 37.48 83.02 2.49 18.53 6.23 120.05 61.91 10.79 10.64 64.43 302.06 155.13 574.32

174.23 156.77 120.09 101.19 78.40 70.31 61.95 58.74 61.16 56.94 54.23 49.89 54.93 55.72 51.51 44.48 47.61 63.31 69.91 75.52

75.52

Page 99 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 30 - BANGKA BELITUNG

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 339 387 506 332 414 255 162 121 89 34 27 29 29 34 19 23 16 13 18 11 2,858

339 726 1,232 1,564 1,978 2,233 2,395 2,516 2,605 2,639 2,666 2,695 2,724 2,758 2,777 2,800 2,816 2,829 2,847 2,858

11.86 11.86 13.54 25.40 17.70 43.11 11.62 54.72 14.49 69.21 8.92 78.13 5.67 83.80 4.23 88.03 3.11 91.15 1.19 92.34 0.94 93.28 1.01 94.30 1.01 95.31 1.19 96.50 0.66 97.17 0.80 97.97 0.56 98.53 0.45 98.99 0.63 99.62 0.38 100.00

410.84 88.29 201.16 225.51 401.49 389.26 386.97 385.81 322.21 129.17 131.32 197.52 200.51 250.48 93.38 181.25 289.86 70.60 320.02 47.53 4,723.17

410.84 499.13 700.29 925.80 1,327.29 1,716.55 2,103.53 2,489.33 2,811.55 2,940.71 3,072.04 3,269.56 3,470.07 3,720.54 3,813.92 3,995.17 4,285.03 4,355.62 4,675.64 4,723.17

8.70 8.70 1.87 10.57 4.26 14.83 4.77 19.60 8.50 28.10 8.24 36.34 8.19 44.54 8.17 52.70 6.82 59.53 2.73 62.26 2.78 65.04 4.18 69.22 4.25 73.47 5.30 78.77 1.98 80.75 3.84 84.59 6.14 90.72 1.49 92.22 6.78 98.99 1.01 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 3 0 0 0 3 0 0 0 0 0 3 0 1 0 10

0 0 0 0 0 0 3 3 3 3 6 6 6 6 6 6 9 9 10 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 30.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 30.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 30.00 90.00 0.00 90.00 10.00 100.00 0.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO 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 10.36 0.00 0.00 0.00 0.00 0.00 856.52 0.00 0.00 0.00 1,261.68

0.00 0.00 0.00 0.00 0.00 0.00 394.80 394.80 394.80 394.80 405.16 405.16 405.16 405.16 405.16 405.16 1,261.68 1,261.68 1,261.68 1,261.68

0.00 0.00 0.00 0.00 0.00 0.00 31.29 0.00 0.00 0.00 0.82 0.00 0.00 0.00 0.00 0.00 67.89 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 31.29 102.02 31.29 0.00 31.29 0.00 31.29 0.00 32.11 7.89 32.11 0.00 32.11 0.00 32.11 0.00 32.11 0.00 32.11 0.00 100.00 295.50 100.00 0.00 100.00 0.00 100.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 18.77 15.86 14.04 13.43 13.19 12.39 11.68 10.89 10.62 10.14 29.44 28.97 26.98 26.71

26.71

Page 100 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 31 - GORONTALO

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 338 412 525 374 340 242 119 136 58 39 35 28 15 32 19 9 25 2 8 0 2,756

338 750 1,275 1,649 1,989 2,231 2,350 2,486 2,544 2,583 2,618 2,646 2,661 2,693 2,712 2,721 2,746 2,748 2,756 2,756

12.26 12.26 14.95 27.21 19.05 46.26 13.57 59.83 12.34 72.17 8.78 80.95 4.32 85.27 4.93 90.20 2.10 92.31 1.42 93.72 1.27 94.99 1.02 96.01 0.54 96.55 1.16 97.71 0.69 98.40 0.33 98.73 0.91 99.64 0.07 99.71 0.29 100.00 0.00 100.00

93.49 113.33 204.16 230.13 314.72 391.55 313.81 420.87 297.79 161.13 204.38 226.60 185.98 293.19 145.62 177.71 151.50 12.52 0.00 0.00 3,938.49

93.49 206.82 410.98 641.11 955.83 1,347.38 1,661.19 2,082.06 2,379.85 2,540.98 2,745.37 2,971.97 3,157.94 3,451.14 3,596.76 3,774.47 3,925.97 3,938.49 3,938.49 3,938.49

2.37 2.37 2.88 5.25 5.18 10.44 5.84 16.28 7.99 24.27 9.94 34.21 7.97 42.18 10.69 52.86 7.56 60.43 4.09 64.52 5.19 69.71 5.75 75.46 4.72 80.18 7.44 87.63 3.70 91.32 4.51 95.84 3.85 99.68 0.32 100.00 0.00 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 4 2 0 5 0 0 0 0 2 0 0 0 5 0 0 0 0 0 18

0 0 4 6 6 11 11 11 11 11 13 13 13 13 18 18 18 18 18 18

0.00 0.00 22.22 11.11 0.00 27.78 0.00 0.00 0.00 0.00 11.11 0.00 0.00 0.00 27.78 0.00 0.00 0.00 0.00 0.00

0.00 0.00 22.22 33.33 33.33 61.11 61.11 61.11 61.11 61.11 72.22 72.22 72.22 72.22 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 93.75 14.85 0.00 30.41 0.00 0.00 0.00 0.00 84.07 0.00 0.00 0.00 73.04 0.00 0.00 0.00 0.00 0.00 296.12

0.00 0.00 93.75 108.60 108.60 139.01 139.01 139.01 139.01 139.01 223.08 223.08 223.08 223.08 296.12 296.12 296.12 296.12 296.12 296.12

0.00 0.00 31.66 5.01 0.00 10.27 0.00 0.00 0.00 0.00 28.39 0.00 0.00 0.00 24.67 0.00 0.00 0.00 0.00 0.00

0.00 0.00 31.66 36.67 36.67 46.94 46.94 46.94 46.94 46.94 75.33 75.33 75.33 75.33 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 45.92 6.45 0.00 7.77 0.00 0.00 0.00 0.00 41.13 0.00 0.00 0.00 50.16 0.00 0.00 0.00 0.00 0.00

0.00 0.00 22.81 16.94 11.36 10.32 8.37 6.68 5.84 5.47 8.13 7.51 7.06 6.46 8.23 7.85 7.54 7.52 7.52 7.52

7.52

Page 101 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2009 32 - KEPULAUAN RIAU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,979 2,498 3,903 2,630 2,724 1,198 739 573 288 161 144 155 97 126 120 160 144 64 111 37 17,851

1,979 4,477 8,380 11,010 13,734 14,932 15,671 16,244 16,532 16,693 16,837 16,992 17,089 17,215 17,335 17,495 17,639 17,703 17,814 17,851

11.09 11.09 13.99 25.08 21.86 46.94 14.73 61.68 15.26 76.94 6.71 83.65 4.14 87.79 3.21 91.00 1.61 92.61 0.90 93.51 0.81 94.32 0.87 95.19 0.54 95.73 0.71 96.44 0.67 97.11 0.90 98.01 0.81 98.81 0.36 99.17 0.62 99.79 0.21 100.00

1,636.22 464.22 1,067.80 1,552.02 3,198.94 1,931.37 1,530.00 1,612.98 1,170.06 1,234.89 2,252.90 838.78 857.26 1,123.20 1,019.92 1,927.70 2,361.53 1,283.06 4,084.56 1,346.60 32,494.01

1,636.22 2,100.44 3,168.24 4,720.26 7,919.20 9,850.57 11,380.57 12,993.55 14,163.61 15,398.50 17,651.40 18,490.18 19,347.44 20,470.64 21,490.57 23,418.26 25,779.80 27,062.85 31,147.41 32,494.01

5.04 5.04 1.43 6.46 3.29 9.75 4.78 14.53 9.84 24.37 5.94 30.32 4.71 35.02 4.96 39.99 3.60 43.59 3.80 47.39 6.93 54.32 2.58 56.90 2.64 59.54 3.46 63.00 3.14 66.14 5.93 72.07 7.27 79.34 3.95 83.29 12.57 95.86 4.14 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 9 5 2 0 3 2 4 0 0 0 0 8 0 8 10 11 8 6 24 7 107

9 14 16 16 19 21 25 25 25 25 25 33 33 41 51 62 70 76 100 107

8.41 8.41 4.67 13.08 1.87 14.95 0.00 14.95 2.80 17.76 1.87 19.63 3.74 23.36 0.00 23.36 0.00 23.36 0.00 23.36 0.00 23.36 7.48 30.84 0.00 30.84 7.48 38.32 9.35 47.66 10.28 57.94 7.48 65.42 5.61 71.03 22.43 93.46 6.54 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 383.46 137.50 0.00 0.00 122.40 13.00 200.15 0.00 0.00 0.00 0.00 9.62 0.00 67.99 32.07 962.22 83.41 152.69 14,191.57 824.56 17,180.66

383.46 520.96 520.96 520.96 643.36 656.36 856.51 856.51 856.51 856.51 856.51 866.13 866.13 934.13 966.20 1,928.42 2,011.84 2,164.53 16,356.10 17,180.66

2.23 2.23 23.44 0.80 3.03 29.62 0.00 3.03 0.00 0.00 3.03 0.00 0.71 3.74 3.83 0.08 3.82 0.67 1.16 4.99 13.08 0.00 4.99 0.00 0.00 4.99 0.00 0.00 4.99 0.00 0.00 4.99 0.00 0.06 5.04 1.15 0.00 5.04 0.00 0.40 5.44 6.05 0.19 5.62 3.14 5.60 11.22 49.92 0.49 11.71 3.53 0.89 12.60 11.90 82.60 95.20 347.44 4.80 100.00 61.23

23.44 24.80 16.44 11.04 8.12 6.66 7.53 6.59 6.05 5.56 4.85 4.68 4.48 4.56 4.50 8.23 7.80 8.00 52.51 52.87

52.87

Page 102 of 204

RISK AND LOSS PROFILE 2010

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 ALL CODE NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 167,842 148,615 218,908 142,513 168,075 93,126 72,673 56,569 32,906 18,440 14,943 17,718 12,278 16,321 10,439 16,738 15,057 7,248 8,633 3,163

1,242,205

167,842 316,457 535,365 677,878 845,953 939,079 1,011,752 1,068,321 1,101,227 1,119,667 1,134,610 1,152,328 1,164,606 1,180,927 1,191,366 1,208,104 1,223,161 1,230,409 1,239,042 1,242,205

13.51 13.51 11.96 25.48 17.62 43.10 11.47 54.57 13.53 68.10 7.50 75.60 5.85 81.45 4.55 86.00 2.65 88.65 1.48 90.14 1.20 91.34 1.43 92.76 0.99 93.75 1.31 95.07 0.84 95.91 1.35 97.25 1.21 98.47 0.58 99.05 0.69 99.75 0.25 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 108,237.76 30,466.50 74,545.27 71,750.45 140,343.43 111,620.00 117,060.47 123,708.30 96,582.92 66,468.19 60,573.39 84,129.71 67,999.44 109,524.05 88,740.94 193,463.04 202,710.03 103,142.78 142,081.64 64,011.66 2,057,159.97

108,237.76 138,704.26 213,249.53 284,999.98 425,343.42 536,963.41 654,023.88 777,732.18 874,315.10 940,783.29 1,001,356.68 1,085,486.39 1,153,485.84 1,263,009.88 1,351,750.83 1,545,213.86 1,747,923.90 1,851,066.68 1,993,148.32 2,057,159.98

5.26 5.26 1.48 6.74 3.62 10.37 3.49 13.85 6.82 20.68 5.43 26.10 5.69 31.79 6.01 37.81 4.69 42.50 3.23 45.73 2.94 48.68 4.09 52.77 3.31 56.07 5.32 61.40 4.31 65.71 9.40 75.11 9.85 84.97 5.01 89.98 6.91 96.89 3.11 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1528 214 412 303 420 268 257 274 217 151 136 174 134 320 269 687 575 345 721 234 7,639

1,528 1,742 2,154 2,457 2,877 3,145 3,402 3,676 3,893 4,044 4,180 4,354 4,488 4,808 5,077 5,764 6,339 6,684 7,405 7,639

20.00 20.00 2.80 22.80 5.39 28.20 3.97 32.16 5.50 37.66 3.51 41.17 3.36 44.53 3.59 48.12 2.84 50.96 1.98 52.94 1.78 54.72 2.28 57.00 1.75 58.75 4.19 62.94 3.52 66.46 8.99 75.45 7.53 82.98 4.52 87.50 9.44 96.94 3.06 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 184,550.82 4,222.03 17,603.54 9,601.17 15,972.44 14,294.91 14,717.25 13,414.12 17,485.48 12,767.06 15,882.64 10,102.33 7,038.22 43,736.09 22,515.92 38,961.56 81,751.98 25,199.79 133,714.85 78,941.14 762,473.34

184,550.82 188,772.85 206,376.40 215,977.57 231,950.01 246,244.92 260,962.18 274,376.30 291,861.78 304,628.84 320,511.48 330,613.81 337,652.03 381,388.11 403,904.03 442,865.59 524,617.57 549,817.36 683,532.21 762,473.35

24.20 24.20 170.51 170.51 0.55 24.76 13.86 136.10 2.31 27.07 23.61 96.78 1.26 28.33 13.38 75.78 2.09 30.42 11.38 54.53 1.87 32.30 12.81 45.86 1.93 34.23 12.57 39.90 1.76 35.99 10.84 35.28 2.29 38.28 18.10 33.38 1.67 39.95 19.21 32.38 2.08 42.04 26.22 32.01 1.32 43.36 12.01 30.46 0.92 44.28 10.35 29.27 5.74 50.02 39.93 30.20 2.95 52.97 25.37 29.88 5.11 58.08 20.14 28.66 10.72 68.80 40.33 30.01 3.31 72.11 24.43 29.70 17.54 89.65 94.11 34.29 10.35 100.00 123.32 37.06 37.06

Page 103 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

FIRE (FR) 2010 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 127,093 133,237 191,206 123,946 138,328 69,583 46,647 35,054 19,003 9,702 7,471 8,165 5,300 6,443 3,619 5,193 4,160 1,833 2,017 1,022 939,022

127,093 260,330 451,536 575,482 713,810 783,393 830,040 865,094 884,097 893,799 901,270 909,435 914,735 921,178 924,797 929,990 934,150 935,983 938,000 939,022

13.53 13.53 14.19 27.72 20.36 48.09 13.20 61.29 14.73 76.02 7.41 83.43 4.97 88.39 3.73 92.13 2.02 94.15 1.03 95.18 0.80 95.98 0.87 96.85 0.56 97.41 0.69 98.10 0.39 98.49 0.55 99.04 0.44 99.48 0.20 99.68 0.21 99.89 0.11 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 58,745.44 26,460.05 66,153.09 68,235.61 119,676.02 90,450.31 86,862.18 88,312.72 64,500.28 41,428.59 36,371.01 47,103.37 35,995.55 53,965.16 38,553.75 73,963.97 57,163.71 22,937.71 16,992.51 14,500.97 1,108,372.03

58,745.44 85,205.50 151,358.59 219,594.20 339,270.22 429,720.53 516,582.72 604,895.43 669,395.72 710,824.31 747,195.32 794,298.69 830,294.24 884,259.40 922,813.15 996,777.13 1,053,940.84 1,076,878.55 1,093,871.06 1,108,372.03

5.30 5.30 2.39 7.69 5.97 13.66 6.16 19.81 10.80 30.61 8.16 38.77 7.84 46.61 7.97 54.58 5.82 60.39 3.74 64.13 3.28 67.41 4.25 71.66 3.25 74.91 4.87 79.78 3.48 83.26 6.67 89.93 5.16 95.09 2.07 97.16 1.53 98.69 1.31 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

404 168 288 189 244 131 97 109 78 51 40 73 36 76 95 368 110 66 143 67

59,201.62 3,607.36 10,924.97 7,650.14 11,955.62 10,578.35 8,905.02 6,510.08 13,113.04 10,081.17 8,535.47 6,416.46 4,772.02 11,561.52 1,656.61 17,875.92 12,675.71 4,360.00 4,483.28 8,703.22

2,833

404 572 860 1,049 1,293 1,424 1,521 1,630 1,708 1,759 1,799 1,872 1,908 1,984 2,079 2,447 2,557 2,623 2,766 2,833

14.26 14.26 5.93 20.19 10.17 30.36 6.67 37.03 8.61 45.64 4.62 50.26 3.42 53.69 3.85 57.54 2.75 60.29 1.80 62.09 1.41 63.50 2.58 66.08 1.27 67.35 2.68 70.03 3.35 73.39 12.99 86.37 3.88 90.26 2.33 92.59 5.05 97.64 2.36 100.00

223,567.60

59,201.62 62,808.98 73,733.96 81,384.10 93,339.72 103,918.07 112,823.09 119,333.17 132,446.21 142,527.37 151,062.85 157,479.30 162,251.32 173,812.85 175,469.46 193,345.38 206,021.09 210,381.09 214,864.37 223,567.60

26.48 26.48 100.78 100.78 1.61 28.09 13.63 73.71 4.89 32.98 16.51 48.71 3.42 36.40 11.21 37.06 5.35 41.75 9.99 27.51 4.73 46.48 11.70 24.18 3.98 50.46 10.25 21.84 2.91 53.38 7.37 19.73 5.87 59.24 20.33 19.79 4.51 63.75 24.33 20.05 3.82 67.57 23.47 20.22 2.87 70.44 13.62 19.83 2.13 72.57 13.26 19.54 5.17 77.75 21.42 19.66 0.74 78.49 4.30 19.01 8.00 86.48 24.17 19.40 5.67 92.15 22.17 19.55 1.95 94.10 19.01 19.54 2.01 96.11 26.38 19.64 3.89 100.00 60.02 20.17 20.17

Page 104 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

INDUSTRIAL ALL RISK (IAR) 2010 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 23,637 8,469 14,244 10,523 17,900 14,525 15,938 13,712 8,774 5,504 4,695 5,851 4,087 5,876 3,868 6,606 6,043 3,041 3,645 1,132 178,070

23,637 32,106 46,350 56,873 74,773 89,298 105,236 118,948 127,722 133,226 137,921 143,772 147,859 153,735 157,603 164,209 170,252 173,293 176,938 178,070

13.27 13.27 4.76 18.03 8.00 26.03 5.91 31.94 10.05 41.99 8.16 50.15 8.95 59.10 7.70 66.80 4.93 71.73 3.09 74.82 2.64 77.45 3.29 80.74 2.30 83.03 3.30 86.33 2.17 88.51 3.71 92.22 3.39 95.61 1.71 97.32 2.05 99.36 0.64 100.00

26,532.67 2,386.58 4,584.28 (272.71) 12,806.70 13,078.51 18,289.23 22,751.13 20,752.50 16,241.42 15,657.87 23,279.74 19,425.82 33,063.18 29,686.16 64,957.24 74,260.53 39,177.04 49,223.64 32,893.22 518,774.75

26,532.67 28,919.25 33,503.53 33,230.82 46,037.52 59,116.03 77,405.25 100,156.38 120,908.88 137,150.30 152,808.17 176,087.92 195,513.73 228,576.92 258,263.07 323,220.31 397,480.84 436,657.88 485,881.52 518,774.75

5.11 5.11 0.46 5.57 0.88 6.46 (0.05) 6.41 2.47 8.87 2.52 11.40 3.53 14.92 4.39 19.31 4.00 23.31 3.13 26.44 3.02 29.46 4.49 33.94 3.74 37.69 6.37 44.06 5.72 49.78 12.52 62.30 14.31 76.62 7.55 84.17 9.49 93.66 6.34 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,124 46 124 112 170 137 160 163 139 100 96 101 96 244 174 315 465 275 578 167 4,786

1,124 1,170 1,294 1,406 1,576 1,713 1,873 2,036 2,175 2,275 2,371 2,472 2,568 2,812 2,986 3,301 3,766 4,041 4,619 4,786

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

23.49 23.49 125,349.21 125,349.21 0.96 24.45 614.67 125,963.87 2.59 27.04 6,678.57 132,642.44 2.34 29.38 1,943.64 134,586.08 3.55 32.93 3,966.66 138,552.74 2.86 35.79 3,716.56 142,269.30 3.34 39.13 5,812.23 148,081.54 3.41 42.54 6,870.61 154,952.15 2.90 45.45 4,372.44 159,324.59 2.09 47.53 2,685.90 162,010.49 2.01 49.54 7,347.16 169,357.65 2.11 51.65 3,685.88 173,043.53 2.01 53.66 2,156.19 175,199.72 5.10 58.75 32,174.57 207,374.29 3.64 62.39 20,859.30 228,233.59 6.58 68.97 21,072.92 249,306.51 9.72 78.69 69,076.27 318,382.78 5.75 84.43 20,730.11 339,112.90 12.08 96.51 129,231.57 468,344.47 3.49 100.00 70,237.91 538,582.38 538,582.38

23.27 23.27 472.43 0.11 23.39 25.76 1.24 24.63 145.68 0.36 24.99 (712.72) 0.74 25.73 30.97 0.69 26.42 28.42 1.08 27.49 31.78 1.28 28.77 30.20 0.81 29.58 21.07 0.50 30.08 16.54 1.36 31.45 46.92 0.68 32.13 15.83 0.40 32.53 11.10 5.97 38.50 97.31 3.87 42.38 70.27 3.91 46.29 32.44 12.83 59.11 93.02 3.85 62.96 52.91 23.99 86.96 262.54 13.04 100.00 213.53

472.43 435.57 395.91 405.00 300.96 240.66 191.31 154.71 131.77 118.13 110.83 98.27 89.61 90.72 88.37 77.13 80.10 77.66 96.39 103.82

103.82

Page 105 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

LOSS OF PROFIT (LOP) 2010 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2 1 3 1 5 4 4 4 2 2 3 4 4 9 10 22 26 10 19 10 145

2 3 6 7 12 16 20 24 26 28 31 35 39 48 58 80 106 116 135 145

1.38 1.38 0.69 2.07 2.07 4.14 0.69 4.83 3.45 8.28 2.76 11.03 2.76 13.79 2.76 16.55 1.38 17.93 1.38 19.31 2.07 21.38 2.76 24.14 2.76 26.90 6.21 33.10 6.90 40.00 15.17 55.17 17.93 73.10 6.90 80.00 13.10 93.10 6.90 100.00

0.99 0.01 0.57 0.42 2.12 3.20 5.08 4.77 6.00 0.03 5.91 5.98 9.07 18.39 60.79 63.89 64.77 15.63 95.15 17.19 379.94

0.99 1.00 1.57 1.99 4.11 7.31 12.39 17.16 23.15 23.18 29.09 35.06 44.13 62.52 123.31 187.20 251.97 267.60 362.75 379.94

0.26 0.26 0.00 0.26 0.15 0.41 0.11 0.52 0.56 1.08 0.84 1.92 1.34 3.26 1.26 4.52 1.58 6.09 0.01 6.10 1.56 7.66 1.57 9.23 2.39 11.62 4.84 16.45 16.00 32.46 16.82 49.27 17.05 66.32 4.11 70.43 25.04 95.48 4.52 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 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 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

EARTHQUAKE (EQ) 2010 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 17,110 6,908 13,455 8,044 11,841 9,014 10,084 7,799 5,127 3,232 2,774 3,698 2,887 3,993 2,942 4,917 4,828 2,364 2,952 999 124,968

17,110 24,018 37,473 45,517 57,358 66,372 76,456 84,255 89,382 92,614 95,388 99,086 101,973 105,966 108,908 113,825 118,653 121,017 123,969 124,968

13.69 13.69 5.53 19.22 10.77 29.99 6.44 36.42 9.48 45.90 7.21 53.11 8.07 61.18 6.24 67.42 4.10 71.52 2.59 74.11 2.22 76.33 2.96 79.29 2.31 81.60 3.20 84.79 2.35 87.15 3.93 91.08 3.86 94.95 1.89 96.84 2.36 99.20 0.80 100.00

22,958.66 1,619.85 3,807.33 3,787.55 7,858.17 8,087.98 11,903.98 12,639.68 11,324.14 8,798.15 8,538.59 13,740.63 12,569.01 22,477.31 20,440.24 54,477.94 71,221.03 41,012.40 75,770.33 16,600.27 429,633.26

22,958.66 24,578.51 28,385.84 32,173.39 40,031.56 48,119.54 60,023.53 72,663.21 83,987.35 92,785.50 101,324.10 115,064.72 127,633.73 150,111.04 170,551.29 225,029.23 296,250.25 337,262.65 413,032.98 429,633.26

5.34 5.34 0.38 5.72 0.89 6.61 0.88 7.49 1.83 9.32 1.88 11.20 2.77 13.97 2.94 16.91 2.64 19.55 2.05 21.60 1.99 23.58 3.20 26.78 2.93 29.71 5.23 34.94 4.76 39.70 12.68 52.38 16.58 68.95 9.55 78.50 17.64 96.14 3.86 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 2 6 0 0 2 0 0 0 0 2 0 0 4 0 4 0 0 20

0 0 0 2 8 8 8 10 10 10 10 10 12 12 12 16 16 20 20 20

0.00 0.00 0.00 0.00 0.00 0.00 10.00 10.00 30.00 40.00 0.00 40.00 0.00 40.00 10.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 10.00 60.00 0.00 60.00 0.00 60.00 20.00 80.00 0.00 80.00 20.00 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 7.39 50.16 0.00 0.00 33.43 0.00 0.00 0.00 0.00 110.00 0.00 0.00 12.71 0.00 109.68 0.00 0.00 323.37

0.00 0.00 0.00 7.39 57.55 57.55 57.55 90.98 90.98 90.98 90.98 90.98 200.98 200.98 200.98 213.69 213.69 323.37 323.37 323.37

0.00 0.00 0.00 0.00 0.00 0.00 2.29 2.29 15.51 17.80 0.00 17.80 0.00 17.80 10.34 28.14 0.00 28.14 0.00 28.14 0.00 28.14 0.00 28.14 34.02 62.15 0.00 62.15 0.00 62.15 3.93 66.08 0.00 66.08 33.92 100.00 0.00 100.00 0.00 100.00

0.00 0.00 0.00 0.20 0.64 0.00 0.00 0.26 0.00 0.00 0.00 0.00 0.88 0.00 0.00 0.02 0.00 0.27 0.00 0.00

0.00 0.00 0.00 0.02 0.14 0.12 0.10 0.13 0.11 0.10 0.09 0.08 0.16 0.13 0.12 0.09 0.07 0.10 0.08 0.08

0.08

Page 107 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ DATA POSITION FROM 2010 DATA POSITION TO 20 PROCESSING DATE Mining, Drilling, Installations, Salt Mines, Peat Extraction, Metallurgical Plants (Instalasi Pertambangan, Pengeboran, Tambang Garam (Mineral), Penggalian Tanah, Pabrik Pengolahan/Pengecoran Logam Logam)

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 156 37 71 65 130 94 53 141 67 84 64 94 66 109 70 155 208 162 227 151

2,204

156 193 264 329 459 553 606 747 814 898 962 1,056 1,122 1,231 1,301 1,456 1,664 1,826 2,053 2,204

7.08 7.08 1.68 8.76 3.22 11.98 2.95 14.93 5.90 20.83 4.26 25.09 2.40 27.50 6.40 33.89 3.04 36.93 3.81 40.74 2.90 43.65 4.26 47.91 2.99 50.91 4.95 55.85 3.18 59.03 7.03 66.06 9.44 75.50 7.35 82.85 10.30 93.15 6.85 100.00

1,419.72 5.53 28.19 59.99 75.70 89.55 53.48 307.52 119.29 257.84 161.15 326.76 285.58 556.02 482.33 1,486.92 3,174.09 1,785.58 2,579.17 2,219.68 15,474.08

1,419.72 1,425.25 1,453.44 1,513.43 1,589.13 1,678.69 1,732.17 2,039.68 2,158.98 2,416.82 2,577.96 2,904.72 3,190.30 3,746.32 4,228.65 5,715.56 8,889.65 10,675.23 13,254.40 15,474.08

9.17 9.17 0.04 9.21 0.18 9.39 0.39 9.78 0.49 10.27 0.58 10.85 0.35 11.19 1.99 13.18 0.77 13.95 1.67 15.62 1.04 16.66 2.11 18.77 1.85 20.62 3.59 24.21 3.12 27.33 9.61 36.94 20.51 57.45 11.54 68.99 16.67 85.66 14.34 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 14 0 2 0 0 2 0 0 0 0 0 0 0 0 5 10 19 18 29 7

106

14 14 16 16 16 18 18 18 18 18 18 18 18 18 23 33 52 70 99 106

13.21 13.21 0.00 13.21 1.89 15.09 0.00 15.09 0.00 15.09 1.89 16.98 0.00 16.98 0.00 16.98 0.00 16.98 0.00 16.98 0.00 16.98 0.00 16.98 0.00 16.98 0.00 16.98 4.72 21.70 9.43 31.13 17.92 49.06 16.98 66.04 27.36 93.40 6.60 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,285.89 0.00 8.05 0.00 0.00 3.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.51 905.09 3,751.11 2,669.36 5,477.13 923.36 15,038.55

1,285.89 1,285.89 1,293.94 1,293.94 1,293.94 1,296.98 1,296.98 1,296.98 1,296.98 1,296.98 1,296.98 1,296.98 1,296.98 1,296.98 1,312.49 2,217.58 5,968.69 8,638.06 14,115.19 15,038.55

8.55 8.55 90.57 90.57 0.00 8.55 0.00 90.22 0.05 8.60 28.56 89.03 0.00 8.60 0.00 85.50 0.00 8.60 0.00 81.42 0.02 8.62 3.40 77.26 0.00 8.62 0.00 74.88 0.00 8.62 0.00 63.59 0.00 8.62 0.00 60.07 0.00 8.62 0.00 53.67 0.00 8.62 0.00 50.31 0.00 8.62 0.00 44.65 0.00 8.62 0.00 40.65 0.00 8.62 0.00 34.62 0.10 8.73 3.22 31.04 6.02 14.75 60.87 38.80 24.94 39.69 118.18 67.14 17.75 57.44 149.50 80.92 36.42 93.86 212.36 106.49 6.14 100.00 41.60 97.19 97.19

Page 108 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 21 Stone, Earth, (Animal) Bones or Shells

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2010 15/12/2011 15/04/2012

(Batuan, Tanah, Tulang/Rangka Hewan)

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 ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 616 91 120 106 176 104 111 198 116 81 87 106 76 133 97 165 246 135 223 78

3,065

616 707 827 933 1,109 1,213 1,324 1,522 1,638 1,719 1,806 1,912 1,988 2,121 2,218 2,383 2,629 2,764 2,987 3,065

20.10 20.10 2.97 23.07 3.92 26.98 3.46 30.44 5.74 36.18 3.39 39.58 3.62 43.20 6.46 49.66 3.78 53.44 2.64 56.08 2.84 58.92 3.46 62.38 2.48 64.86 4.34 69.20 3.16 72.37 5.38 77.75 8.03 85.77 4.40 90.18 7.28 97.46 2.54 100.00

1,011.95 55.52 42.49 61.17 134.29 101.63 156.34 418.28 392.13 268.20 352.20 556.42 445.30 729.94 822.52 1,709.66 3,164.66 1,448.31 3,291.15 2,771.54 17,933.72

1,011.95 1,067.47 1,109.96 1,171.13 1,305.42 1,407.05 1,563.39 1,981.67 2,373.80 2,642.00 2,994.21 3,550.63 3,995.93 4,725.86 5,548.39 7,258.05 10,422.71 11,871.03 15,162.18 17,933.72

5.64 5.64 0.31 5.95 0.24 6.19 0.34 6.53 0.75 7.28 0.57 7.85 0.87 8.72 2.33 11.05 2.19 13.24 1.50 14.73 1.96 16.70 3.10 19.80 2.48 22.28 4.07 26.35 4.59 30.94 9.53 40.47 17.65 58.12 8.08 66.19 18.35 84.55 15.45 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 15 0 0 0 0 0 0 2 0 0 4 10 0 5 4 0 9 19 2 1 71

15 15 15 15 15 15 15 17 17 17 21 31 31 36 40 40 49 68 70 71

21.13 21.13 0.00 21.13 0.00 21.13 0.00 21.13 0.00 21.13 0.00 21.13 0.00 21.13 2.82 23.94 0.00 23.94 0.00 23.94 5.63 29.58 14.08 43.66 0.00 43.66 7.04 50.70 5.63 56.34 0.00 56.34 12.68 69.01 26.76 95.77 2.82 98.59 1.41 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 895.20 0.00 0.00 0.00 0.00 0.00 0.00 99.66 0.00 0.00 81.36 151.69 0.00 260.65 586.76 0.00 365.29 4,653.38 29.98 0.00 7,123.97

895.20 895.20 895.20 895.20 895.20 895.20 895.20 994.86 994.86 994.86 1,076.22 1,227.91 1,227.91 1,488.57 2,075.33 2,075.33 2,440.61 7,093.99 7,123.97 7,123.97

12.57 12.57 88.46 0.00 12.57 0.00 0.00 12.57 0.00 0.00 12.57 0.00 0.00 12.57 0.00 0.00 12.57 0.00 0.00 12.57 0.00 1.40 13.97 23.83 0.00 13.97 0.00 0.00 13.97 0.00 1.14 15.11 23.10 2.13 17.24 27.26 0.00 17.24 0.00 3.66 20.90 35.71 8.24 29.13 71.34 0.00 29.13 0.00 5.13 34.26 11.54 65.32 99.58 321.30 0.42 100.00 0.91 0.00 100.00 0.00

88.46 83.86 80.65 76.44 68.58 63.62 57.26 50.20 41.91 37.66 35.94 34.58 30.73 31.50 37.40 28.59 23.42 59.76 46.99 39.72

39.72

Page 109 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 22 Metals (Logam)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

1,727 289 492 388 1,017 623 702 754 550 404 295 491 368 660 445 902 967 461 773 382 12,690

1,727 2,016 2,508 2,896 3,913 4,536 5,238 5,992 6,542 6,946 7,241 7,732 8,100 8,760 9,205 10,107 11,074 11,535 12,308 12,690

13.61 13.61 2.28 15.89 3.88 19.76 3.06 22.82 8.01 30.84 4.91 35.74 5.53 41.28 5.94 47.22 4.33 51.55 3.18 54.74 2.32 57.06 3.87 60.93 2.90 63.83 5.20 69.03 3.51 72.54 7.11 79.65 7.62 87.27 3.63 90.90 6.09 96.99 3.01 100.00

3,966.29 186.42 333.38 271.79 617.27 648.46 976.33 1,381.74 1,502.60 1,219.74 926.72 2,365.84 2,060.41 4,432.15 4,120.48 9,911.97 12,100.18 7,905.21 11,179.49 2,388.78 68,495.24

3,966.29 4,152.71 4,486.09 4,757.88 5,375.15 6,023.60 6,999.94 8,381.68 9,884.28 11,104.02 12,030.74 14,396.58 16,456.99 20,889.14 25,009.61 34,921.58 47,021.76 54,926.97 66,106.46 68,495.24

5.79 5.79 0.27 6.06 0.49 6.55 0.40 6.95 0.90 7.85 0.95 8.79 1.43 10.22 2.02 12.24 2.19 14.43 1.78 16.21 1.35 17.56 3.45 21.02 3.01 24.03 6.47 30.50 6.02 36.51 14.47 50.98 17.67 68.65 11.54 80.19 16.32 96.51 3.49 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 69 0 0 2 4 2 0 0 2 8 6 7 5 16 26 23 24 19 70 46

329

69 69 69 71 75 77 77 77 79 87 93 100 105 121 147 170 194 213 283 329

20.97 20.97 0.00 20.97 0.00 20.97 0.61 21.58 1.22 22.80 0.61 23.40 0.00 23.40 0.00 23.40 0.61 24.01 2.43 26.44 1.82 28.27 2.13 30.40 1.52 31.91 4.86 36.78 7.90 44.68 6.99 51.67 7.29 58.97 5.78 64.74 21.28 86.02 13.98 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 11,679.05 0.00 0.00 5.00 85.47 17.16 0.00 0.00 505.49 188.26 2,328.55 74.56 13.01 11,376.43 4,739.13 1,531.64 2,379.63 553.75 39,776.91 1,664.17 76,918.22

11,679.05 11,679.05 11,679.05 11,684.05 11,769.53 11,786.68 11,786.68 11,786.68 12,292.17 12,480.43 14,808.98 14,883.54 14,896.55 26,272.98 31,012.11 32,543.75 34,923.38 35,477.13 75,254.05 76,918.22

15.18 15.18 0.00 15.18 0.00 15.18 0.01 15.19 0.11 15.30 0.02 15.32 0.00 15.32 0.00 15.32 0.66 15.98 0.24 16.23 3.03 19.25 0.10 19.35 0.02 19.37 14.79 34.16 6.16 40.32 1.99 42.31 3.09 45.40 0.72 46.12 51.71 97.84 2.16 100.00

294.46 0.00 0.00 1.84 13.85 2.65 0.00 0.00 33.64 15.43 251.27 3.15 0.63 256.68 115.01 15.45 19.67 7.00 355.80 69.67

294.46 281.24 260.34 245.57 218.96 195.67 168.38 140.62 124.36 112.40 123.09 103.38 90.52 125.77 124.00 93.19 74.27 64.59 113.84 112.30

112.30

Page 110 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 23 Chemical / Oil / Gas (Kimia / Minyak / Gas)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

1,083 169 377 409 717 698 815 946 766 533 495 714 600 958 678 1,234 1,293 734 803 388 14,410

1,083 1,252 1,629 2,038 2,755 3,453 4,268 5,214 5,980 6,513 7,008 7,722 8,322 9,280 9,958 11,192 12,485 13,219 14,022 14,410

7.52 7.52 1.17 8.69 2.62 11.30 2.84 14.14 4.98 19.12 4.84 23.96 5.66 29.62 6.56 36.18 5.32 41.50 3.70 45.20 3.44 48.63 4.95 53.59 4.16 57.75 6.65 64.40 4.71 69.10 8.56 77.67 8.97 86.64 5.09 91.73 5.57 97.31 2.69 100.00

7,251.87 7,251.87 137.64 7,389.51 513.51 7,903.03 786.43 8,689.46 1,143.55 9,833.01 1,441.39 11,274.40 2,049.20 13,323.60 2,741.59 16,065.18 2,623.38 18,688.56 2,192.79 20,881.35 2,535.33 23,416.68 4,069.15 27,485.82 4,066.14 31,551.97 8,086.02 39,637.99 6,657.78 46,295.77 16,422.63 62,718.40 19,259.77 81,978.17 8,828.03 90,806.20 12,337.02 103,143.22 7,614.17 110,757.38 110,757.38

6.55 6.55 0.12 6.67 0.46 7.14 0.71 7.85 1.03 8.88 1.30 10.18 1.85 12.03 2.48 14.50 2.37 16.87 1.98 18.85 2.29 21.14 3.67 24.82 3.67 28.49 7.30 35.79 6.01 41.80 14.83 56.63 17.39 74.02 7.97 81.99 11.14 93.13 6.87 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 63 0 4 2 6 3 0 8 4 4 3 8 7 12 18 32 55 21 36 8

294

63 63 67 69 75 78 78 86 90 94 97 105 112 124 142 174 229 250 286 294

21.43 21.43 0.00 21.43 1.36 22.79 0.68 23.47 2.04 25.51 1.02 26.53 0.00 26.53 2.72 29.25 1.36 30.61 1.36 31.97 1.02 32.99 2.72 35.71 2.38 38.10 4.08 42.18 6.12 48.30 10.88 59.18 18.71 77.89 7.14 85.03 12.24 97.28 2.72 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 16,290.46 0.00 192.79 23.50 736.00 303.40 0.00 1,259.74 1,909.84 237.16 214.41 485.98 141.98 1,937.35 118.65 2,207.98 6,767.49 1,258.94 2,462.77 2,743.75 39,292.21

16,290.46 16,290.46 16,483.25 16,506.75 17,242.75 17,546.15 17,546.15 18,805.90 20,715.73 20,952.90 21,167.31 21,653.29 21,795.27 23,732.62 23,851.27 26,059.26 32,826.74 34,085.69 36,548.46 39,292.21

41.46 41.46 224.64 224.64 0.00 41.46 0.00 220.45 0.49 41.95 37.54 208.57 0.06 42.01 2.99 189.96 1.87 43.88 64.36 175.36 0.77 44.66 21.05 155.63 0.00 44.66 0.00 131.69 3.21 47.86 45.95 117.06 4.86 52.72 72.80 110.85 0.60 53.33 10.82 100.34 0.55 53.87 8.46 90.39 1.24 55.11 11.94 78.78 0.36 55.47 3.49 69.08 4.93 60.40 23.96 59.87 0.30 60.70 1.78 51.52 5.62 66.32 13.44 41.55 17.22 83.55 35.14 40.04 3.20 86.75 14.26 37.54 6.27 93.02 19.96 35.43 6.98 100.00 36.03 35.48 35.48

Page 111 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 24 Textiles (Tekstil)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

1,517 778 1,572 1,293 1,977 1,307 1,118 1,119 713 434 458 527 386 646 467 867 971 532 864 270 17,816

1,517 2,295 3,867 5,160 7,137 8,444 9,562 10,681 11,394 11,828 12,286 12,813 13,199 13,845 14,312 15,179 16,150 16,682 17,546 17,816

8.51 8.51 4.37 12.88 8.82 21.71 7.26 28.96 11.10 40.06 7.34 47.40 6.28 53.67 6.28 59.95 4.00 63.95 2.44 66.39 2.57 68.96 2.96 71.92 2.17 74.09 3.63 77.71 2.62 80.33 4.87 85.20 5.45 90.65 2.99 93.63 4.85 98.48 1.52 100.00

4,986.43 441.45 1,153.08 1,189.66 2,749.14 2,512.26 2,829.35 3,319.70 2,731.68 1,938.58 2,138.51 3,252.47 2,272.42 4,776.71 3,679.51 10,172.12 12,104.46 7,289.87 12,701.50 4,570.56 86,809.46

4,986.43 5,427.89 6,580.97 7,770.62 10,519.77 13,032.03 15,861.39 19,181.09 21,912.77 23,851.35 25,989.86 29,242.33 31,514.74 36,291.45 39,970.96 50,143.07 62,247.53 69,537.40 82,238.90 86,809.46

5.74 5.74 0.51 6.25 1.33 7.58 1.37 8.95 3.17 12.12 2.89 15.01 3.26 18.27 3.82 22.10 3.15 25.24 2.23 27.48 2.46 29.94 3.75 33.69 2.62 36.30 5.50 41.81 4.24 46.04 11.72 57.76 13.94 71.71 8.40 80.10 14.63 94.73 5.27 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

49 8 6 5 6 18 2 6 9 0 7 12 4 8 19 42 51 26 101 7 386

49 57 63 68 74 92 94 100 109 109 116 128 132 140 159 201 252 278 379 386

12.69 12.69 2.07 14.77 1.55 16.32 1.30 17.62 1.55 19.17 4.66 23.83 0.52 24.35 1.55 25.91 2.33 28.24 0.00 28.24 1.81 30.05 3.11 33.16 1.04 34.20 2.07 36.27 4.92 41.19 10.88 52.07 13.21 65.28 6.74 72.02 26.17 98.19 1.81 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 7,820.33 11.90 129.49 176.18 139.21 753.13 211.27 1,061.79 162.43 0.00 225.64 104.36 59.32 20.73 845.44 1,107.59 2,842.23 892.15 39,597.72 101.32 56,262.23

7,820.33 7,832.23 7,961.72 8,137.90 8,277.11 9,030.24 9,241.51 10,303.30 10,465.73 10,465.73 10,691.37 10,795.73 10,855.05 10,875.78 11,721.22 12,828.81 15,671.04 16,563.18 56,160.91 56,262.23

13.90 13.90 156.83 156.83 0.02 13.92 2.70 144.30 0.23 14.15 11.23 120.98 0.31 14.46 14.81 104.73 0.25 14.71 5.06 78.68 1.34 16.05 29.98 69.29 0.38 16.43 7.47 58.26 1.89 18.31 31.98 53.72 0.29 18.60 5.95 47.76 0.00 18.60 0.00 43.88 0.40 19.00 10.55 41.14 0.19 19.19 3.21 36.92 0.11 19.29 2.61 34.44 0.04 19.33 0.43 29.97 1.50 20.83 22.98 29.32 1.97 22.80 10.89 25.58 5.05 27.85 23.48 25.18 1.59 29.44 12.24 23.82 70.38 99.82 311.76 68.29 0.18 100.00 2.22 64.81 64.81

Page 112 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 25 Paper, Leather and Rubber (Kertas, Kulit dan Karet)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

1,094 478 817 730 1,161 849 705 895 640 428 393 466 368 571 413 778 773 392 516 251 12,718

1,094 1,572 2,389 3,119 4,280 5,129 5,834 6,729 7,369 7,797 8,190 8,656 9,024 9,595 10,008 10,786 11,559 11,951 12,467 12,718

8.60 8.60 3.76 12.36 6.42 18.78 5.74 24.52 9.13 33.65 6.68 40.33 5.54 45.87 7.04 52.91 5.03 57.94 3.37 61.31 3.09 64.40 3.66 68.06 2.89 70.95 4.49 75.44 3.25 78.69 6.12 84.81 6.08 90.89 3.08 93.97 4.06 98.03 1.97 100.00

6,282.40 233.30 674.74 743.59 1,766.82 1,935.91 1,820.63 3,062.76 2,755.15 2,601.74 2,380.43 3,571.66 3,266.52 5,867.48 4,662.62 12,528.69 13,368.38 7,075.66 12,109.32 6,070.95 92,778.75

6,282.40 6,515.70 7,190.44 7,934.03 9,700.85 11,636.77 13,457.40 16,520.16 19,275.30 21,877.05 24,257.48 27,829.13 31,095.65 36,963.13 41,625.75 54,154.44 67,522.81 74,598.47 86,707.79 92,778.75

6.77 6.77 0.25 7.02 0.73 7.75 0.80 8.55 1.90 10.46 2.09 12.54 1.96 14.50 3.30 17.81 2.97 20.78 2.80 23.58 2.57 26.15 3.85 30.00 3.52 33.52 6.32 39.84 5.03 44.87 13.50 58.37 14.41 72.78 7.63 80.40 13.05 93.46 6.54 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 83 0 4 0 4 2 15 1 7 4 5 9 6 8 9 41 38 36 27 6

305

83 83 87 87 91 93 108 109 116 120 125 134 140 148 157 198 236 272 299 305

27.21 27.21 0.00 27.21 1.31 28.52 0.00 28.52 1.31 29.84 0.66 30.49 4.92 35.41 0.33 35.74 2.30 38.03 1.31 39.34 1.64 40.98 2.95 43.93 1.97 45.90 2.62 48.52 2.95 51.48 13.44 64.92 12.46 77.38 11.80 89.18 8.85 98.03 1.97 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 41,828.33 0.00 196.58 0.00 24.27 45.62 1,241.37 0.00 160.86 1,685.86 452.03 181.48 568.85 43.11 207.17 1,662.74 24,219.36 1,629.63 5,536.20 6,000.93 85,684.37

41,828.33 41,828.33 42,024.90 42,024.90 42,049.17 42,094.79 43,336.16 43,336.16 43,497.02 45,182.88 45,634.90 45,816.39 46,385.24 46,428.35 46,635.52 48,298.25 72,517.61 74,147.24 79,683.44 85,684.37

48.82 48.82 665.80 665.80 0.00 48.82 0.00 641.96 0.23 49.05 29.13 584.46 0.00 49.05 0.00 529.68 0.03 49.07 1.37 433.46 0.05 49.13 2.36 361.74 1.45 50.58 68.18 322.02 0.00 50.58 0.00 262.32 0.19 50.76 5.84 225.66 1.97 52.73 64.80 206.53 0.53 53.26 18.99 188.13 0.21 53.47 5.08 164.63 0.66 54.14 17.41 149.17 0.05 54.19 0.73 125.61 0.24 54.43 4.44 112.04 1.94 56.37 13.27 89.19 28.27 84.63 181.17 107.40 1.90 86.54 23.03 99.40 6.46 93.00 45.72 91.90 7.00 100.00 98.85 92.35 92.35

Page 113 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 26

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2010 15/12/2011 15/04/2012

Wood, Bamboo and Rattan (Kayu, Bambu dan Rotan)

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 ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

1,003 631 766 512 712 533 486 529 383 336 246 392 251 416 310 567 703 294 390 31 9,491

1,003 1,634 2,400 2,912 3,624 4,157 4,643 5,172 5,555 5,891 6,137 6,529 6,780 7,196 7,506 8,073 8,776 9,070 9,460 9,491

10.57 10.57 6.65 17.22 8.07 25.29 5.39 30.68 7.50 38.18 5.62 43.80 5.12 48.92 5.57 54.49 4.04 58.53 3.54 62.07 2.59 64.66 4.13 68.79 2.64 71.44 4.38 75.82 3.27 79.09 5.97 85.06 7.41 92.47 3.10 95.56 4.11 99.67 0.33 100.00

4,217.46 496.01 1,039.00 920.08 1,874.38 1,884.14 2,098.87 2,853.03 2,579.70 2,690.25 2,351.92 4,098.39 3,019.77 6,252.82 6,347.31 13,110.30 17,070.80 8,396.41 9,251.26 971.08 91,522.97

4,217.46 4,713.47 5,752.46 6,672.54 8,546.92 10,431.07 12,529.93 15,382.96 17,962.66 20,652.91 23,004.83 27,103.22 30,122.98 36,375.80 42,723.11 55,833.41 72,904.21 81,300.62 90,551.89 91,522.97

4.61 4.61 0.54 5.15 1.14 6.29 1.01 7.29 2.05 9.34 2.06 11.40 2.29 13.69 3.12 16.81 2.82 19.63 2.94 22.57 2.57 25.14 4.48 29.61 3.30 32.91 6.83 39.75 6.94 46.68 14.32 61.00 18.65 79.66 9.17 88.83 10.11 98.94 1.06 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 15 0 7 0 11 8 24 3 6 4 0 7 8 16 14 22 40 11 15 4

215

15 15 22 22 33 41 65 68 74 78 78 85 93 109 123 145 185 196 211 215

6.98 6.98 0.00 6.98 3.26 10.23 0.00 10.23 5.12 15.35 3.72 19.07 11.16 30.23 1.40 31.63 2.79 34.42 1.86 36.28 0.00 36.28 3.26 39.53 3.72 43.26 7.44 50.70 6.51 57.21 10.23 67.44 18.60 86.05 5.12 91.16 6.98 98.14 1.86 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 145.36 0.00 867.44 0.00 102.70 2,546.40 1,479.54 657.98 122.66 328.54 0.00 378.02 125.55 4,426.13 7,068.16 2,575.39 16,184.82 2,495.17 2,101.26 31.37 41,636.48

145.36 145.36 1,012.80 1,012.80 1,115.50 3,661.90 5,141.44 5,799.42 5,922.07 6,250.61 6,250.61 6,628.63 6,754.19 11,180.31 18,248.47 20,823.87 37,008.68 39,503.86 41,605.11 41,636.48

0.35 0.35 3.45 0.00 0.35 0.00 2.08 2.43 83.49 0.00 2.43 0.00 0.25 2.68 5.48 6.12 8.79 135.15 3.55 12.35 70.49 1.58 13.93 23.06 0.29 14.22 4.75 0.79 15.01 12.21 0.00 15.01 0.00 0.91 15.92 9.22 0.30 16.22 4.16 10.63 26.85 70.79 16.98 43.83 111.36 6.19 50.01 19.64 38.87 88.89 94.81 5.99 94.88 29.72 5.05 99.92 22.71 0.08 100.00 3.23

3.45 3.08 17.61 15.18 13.05 35.11 41.03 37.70 32.97 30.27 27.17 24.46 22.42 30.74 42.71 37.30 50.76 48.59 45.95 45.49

45.49

Page 114 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 27 Nutritional, Drinks and Tobacco (Makanan, Minuman dan Tembakau)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

7,222 2,720 2,995 1,994 2,393 1,607 1,251 1,463 1,235 716 631 968 776 1,368 906 1,800 1,908 1,085 1,205 470 34,713

7,222 9,942 12,937 14,931 17,324 18,931 20,182 21,645 22,880 23,596 24,227 25,195 25,971 27,339 28,245 30,045 31,953 33,038 34,243 34,713

20.80 20.80 7.84 28.64 8.63 37.27 5.74 43.01 6.89 49.91 4.63 54.54 3.60 58.14 4.21 62.35 3.56 65.91 2.06 67.97 1.82 69.79 2.79 72.58 2.24 74.82 3.94 78.76 2.61 81.37 5.19 86.55 5.50 92.05 3.13 95.17 3.47 98.65 1.35 100.00

7,930.13 7,930.13 1,211.23 9,141.36 1,386.79 10,528.15 1,306.81 11,834.97 2,418.20 14,253.17 1,853.48 16,106.64 2,067.86 18,174.50 3,298.85 21,473.35 2,818.51 24,291.86 2,272.56 26,564.42 2,419.04 28,983.46 3,847.94 32,831.40 3,675.50 36,506.90 7,736.36 44,243.26 7,657.00 51,900.26 18,371.68 70,271.94 21,697.45 91,969.40 13,025.18 104,994.57 15,340.08 120,334.65 13,635.13 133,969.79 133,969.79

5.92 5.92 0.90 6.82 1.04 7.86 0.98 8.83 1.81 10.64 1.38 12.02 1.54 13.57 2.46 16.03 2.10 18.13 1.70 19.83 1.81 21.63 2.87 24.51 2.74 27.25 5.77 33.02 5.72 38.74 13.71 52.45 16.20 68.65 9.72 78.37 11.45 89.82 10.18 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

43 8 17 21 11 6 2 15 8 12 4 21 8 15 13 253 40 46 56 55 654

43 51 68 89 100 106 108 123 131 143 147 168 176 191 204 457 497 543 599 654

6.57 6.57 1.22 7.80 2.60 10.40 3.21 13.61 1.68 15.29 0.92 16.21 0.31 16.51 2.29 18.81 1.22 20.03 1.83 21.87 0.61 22.48 3.21 25.69 1.22 26.91 2.29 29.20 1.99 31.19 38.69 69.88 6.12 75.99 7.03 83.03 8.56 91.59 8.41 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 4,061.71 9.46 635.48 224.31 49.70 30.13 2.00 58.81 1,760.01 224.67 53.21 3,064.92 43.23 1,254.51 237.49 1,888.98 3,176.06 3,002.04 5,355.37 38,098.17 63,230.27

4,061.71 4,071.17 4,706.66 4,930.97 4,980.67 5,010.80 5,012.80 5,071.61 6,831.62 7,056.30 7,109.50 10,174.42 10,217.66 11,472.17 11,709.65 13,598.63 16,774.69 19,776.73 25,132.10 63,230.27

6.42 6.42 51.22 0.01 6.44 0.78 1.01 7.44 45.82 0.35 7.80 17.16 0.08 7.88 2.06 0.05 7.92 1.63 0.00 7.93 0.10 0.09 8.02 1.78 2.78 10.80 62.44 0.36 11.16 9.89 0.08 11.24 2.20 4.85 16.09 79.65 0.07 16.16 1.18 1.98 18.14 16.22 0.38 18.52 3.10 2.99 21.51 10.28 5.02 26.53 14.64 4.75 31.28 23.05 8.47 39.75 34.91 60.25 100.00 279.41

51.22 44.54 44.71 41.66 34.94 31.11 27.58 23.62 28.12 26.56 24.53 30.99 27.99 25.93 22.56 19.35 18.24 18.84 20.89 47.20

47.20

Page 115 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 28 Power and Heating (Pembangkit Tenaga dan Pemanas)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 67 6 10 16 13 26 31 46 29 20 22 30 27 42 37 91 119 69 282 242

1,225

67 73 83 99 112 138 169 215 244 264 286 316 343 385 422 513 632 701 983 1,225

5.47 5.47 0.49 5.96 0.82 6.78 1.31 8.08 1.06 9.14 2.12 11.27 2.53 13.80 3.76 17.55 2.37 19.92 1.63 21.55 1.80 23.35 2.45 25.80 2.20 28.00 3.43 31.43 3.02 34.45 7.43 41.88 9.71 51.59 5.63 57.22 23.02 80.24 19.76 100.00

1,104.28 0.63 4.72 11.02 8.93 18.13 66.22 52.89 58.64 33.23 29.57 102.74 81.12 192.13 413.85 1,140.25 1,555.43 1,072.71 3,467.96 3,601.94 13,016.38

1,104.28 1,104.91 1,109.63 1,120.65 1,129.57 1,147.70 1,213.92 1,266.81 1,325.45 1,358.68 1,388.25 1,490.99 1,572.11 1,764.24 2,178.08 3,318.34 4,873.77 5,946.48 9,414.44 13,016.38

8.48 8.48 0.00 8.49 0.04 8.52 0.08 8.61 0.07 8.68 0.14 8.82 0.51 9.33 0.41 9.73 0.45 10.18 0.26 10.44 0.23 10.67 0.79 11.45 0.62 12.08 1.48 13.55 3.18 16.73 8.76 25.49 11.95 37.44 8.24 45.68 26.64 72.33 27.67 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 15 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 0 11 11 40

15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15 18 18 29 40

37.50 37.50 0.00 37.50 0.00 37.50 0.00 37.50 0.00 37.50 0.00 37.50 0.00 37.50 0.00 37.50 0.00 37.50 0.00 37.50 0.00 37.50 0.00 37.50 0.00 37.50 0.00 37.50 0.00 37.50 0.00 37.50 7.50 45.00 0.00 45.00 27.50 72.50 27.50 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 7,076.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 715.00 0.00 13,949.65 26,791.79 48,532.51

7,076.07 7,076.07 7,076.07 7,076.07 7,076.07 7,076.07 7,076.07 7,076.07 7,076.07 7,076.07 7,076.07 7,076.07 7,076.07 7,076.07 7,076.07 7,076.07 7,791.07 7,791.07 21,740.72 48,532.51

14.58 14.58 640.79 640.79 0.00 14.58 0.00 640.42 0.00 14.58 0.00 637.70 0.00 14.58 0.00 631.43 0.00 14.58 0.00 626.44 0.00 14.58 0.00 616.54 0.00 14.58 0.00 582.91 0.00 14.58 0.00 558.57 0.00 14.58 0.00 533.86 0.00 14.58 0.00 520.80 0.00 14.58 0.00 509.71 0.00 14.58 0.00 474.59 0.00 14.58 0.00 450.10 0.00 14.58 0.00 401.08 0.00 14.58 0.00 324.88 0.00 14.58 0.00 213.24 1.47 16.05 45.97 159.86 0.00 16.05 0.00 131.02 28.74 44.80 402.24 230.93 55.20 100.00 743.82 372.86 372.86

Page 116 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 29 Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotels, Entertainment, Sports and Services, The Caring Services, Motor Vehicle Repair Shops, Private Buildings, Property of Public Bodies (Transportasi dan Lalu lintas, Perusahaan Konstruksi, Komunikasi Masa Perdagangan dan Penyimpanan, Sarana Olah RagaHotel dan Pusat Hiburan, Pelayanan Perawatan, Tempat Reparasi Kendaraan Bermotor, Bangunan Pribadi, Bangunan Umum) NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 152,830 143,129 211,365 136,910 159,662 87,173 67,330 50,332 28,246 15,301 12,177 13,780 9,279 11,180 6,913 9,910 7,521 3,059 3,139 879

1,130,115

152,830 295,959 507,324 644,234 803,896 891,069 958,399 1,008,731 1,036,977 1,052,278 1,064,455 1,078,235 1,087,514 1,098,694 1,105,607 1,115,517 1,123,038 1,126,097 1,129,236 1,130,115

13.52 13.52 12.66 26.19 18.70 44.89 12.11 57.01 14.13 71.13 7.71 78.85 5.96 84.81 4.45 89.26 2.50 91.76 1.35 93.11 1.08 94.19 1.22 95.41 0.82 96.23 0.99 97.22 0.61 97.83 0.88 98.71 0.67 99.37 0.27 99.64 0.28 99.92 0.08 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 69,012.14 27,490.82 69,189.61 66,355.61 129,303.12 100,735.90 104,810.99 105,806.77 80,462.30 52,306.13 46,775.38 60,912.95 48,253.12 68,367.96 52,226.70 103,228.97 88,370.28 38,372.19 53,876.46 19,901.39 1,385,758.80

69,012.14 96,502.96 165,692.57 232,048.17 361,351.30 462,087.20 566,898.19 672,704.96 753,167.26 805,473.39 852,248.78 913,161.73 961,414.85 1,029,782.81 1,082,009.51 1,185,238.48 1,273,608.76 1,311,980.95 1,365,857.41 1,385,758.80

4.98 4.98 1.98 6.96 4.99 11.96 4.79 16.75 9.33 26.08 7.27 33.35 7.56 40.91 7.64 48.54 5.81 54.35 3.77 58.13 3.38 61.50 4.40 65.90 3.48 69.38 4.93 74.31 3.77 78.08 7.45 85.53 6.38 91.91 2.77 94.68 3.89 98.56 1.44 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,156 198 372 273 378 227 214 237 179 115 107 98 91 237 152 260 260 140 360 89 5,143

1,156 1,354 1,726 1,999 2,377 2,604 2,818 3,055 3,234 3,349 3,456 3,554 3,645 3,882 4,034 4,294 4,554 4,694 5,054 5,143

22.48 22.48 3.85 26.33 7.23 33.56 5.31 38.87 7.35 46.22 4.41 50.63 4.16 54.79 4.61 59.40 3.48 62.88 2.24 65.12 2.08 67.20 1.91 69.10 1.77 70.87 4.61 75.48 2.96 78.44 5.06 83.49 5.06 88.55 2.72 91.27 7.00 98.27 1.73 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 93,229.69 4,200.67 15,573.71 9,172.19 14,835.08 10,596.03 11,783.07 10,265.48 12,731.44 10,085.89 12,527.43 5,658.39 6,011.71 24,357.87 7,921.51 27,055.58 21,090.57 6,727.07 19,187.36 2,586.26 325,597.02

93,229.69 97,430.36 113,004.08 122,176.26 137,011.35 147,607.38 159,390.45 169,655.93 182,387.36 192,473.25 205,000.69 210,659.08 216,670.79 241,028.66 248,950.18 276,005.75 297,096.32 303,823.39 323,010.75 325,597.02

28.63 28.63 135.09 135.09 1.29 29.92 15.28 100.96 4.78 34.71 22.51 68.20 2.82 37.52 13.82 52.65 4.56 42.08 11.47 37.92 3.25 45.33 10.52 31.94 3.62 48.95 11.24 28.12 3.15 52.11 9.70 25.22 3.91 56.02 15.82 24.22 3.10 59.11 19.28 23.90 3.85 62.96 26.78 24.05 1.74 64.70 9.29 23.07 1.85 66.55 12.46 22.54 7.48 74.03 35.63 23.41 2.43 76.46 15.17 23.01 8.31 84.77 26.21 23.29 6.48 91.25 23.87 23.33 2.07 93.31 17.53 23.16 5.89 99.21 35.61 23.65 0.79 100.00 13.00 23.50 23.50

Page 117 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 30 Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 11 8 19 25 43 49 17 31 40 29 16 36 12 42 33 73 43 9 0 0 536

11 19 38 63 106 155 172 203 243 272 288 324 336 378 411 484 527 536 536 536

2.05 2.05 1.49 3.54 3.54 7.09 4.66 11.75 8.02 19.78 9.14 28.92 3.17 32.09 5.78 37.87 7.46 45.34 5.41 50.75 2.99 53.73 6.72 60.45 2.24 62.69 7.84 70.52 6.16 76.68 13.62 90.30 8.02 98.32 1.68 100.00 0.00 100.00 0.00 100.00

6.18 2.49 17.06 25.49 182.58 252.53 57.17 211.03 331.47 374.22 224.29 497.33 137.25 767.55 748.82 2,626.73 1,879.97 308.16 0.00 0.00 8,650.34

6.18 8.67 25.74 51.23 233.81 486.34 543.52 754.55 1,086.02 1,460.24 1,684.53 2,181.87 2,319.12 3,086.67 3,835.49 6,462.22 8,342.18 8,650.34 8,650.34 8,650.34

0.07 0.07 0.03 0.10 0.20 0.30 0.29 0.59 2.11 2.70 2.92 5.62 0.66 6.28 2.44 8.72 3.83 12.55 4.33 16.88 2.59 19.47 5.75 25.22 1.59 26.81 8.87 35.68 8.66 44.34 30.37 74.70 21.73 96.44 3.56 100.00 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 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 118 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 31 Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 50 15 28 32 37 44 28 67 85 45 46 86 53 112 40 101 207 221 163 19 1,479

50 65 93 125 162 206 234 301 386 431 477 563 616 728 768 869 1,076 1,297 1,460 1,479

3.38 3.38 1.01 4.39 1.89 6.29 2.16 8.45 2.50 10.95 2.97 13.93 1.89 15.82 4.53 20.35 5.75 26.10 3.04 29.14 3.11 32.25 5.81 38.07 3.58 41.65 7.57 49.22 2.70 51.93 6.83 58.76 14.00 72.75 14.94 87.69 11.02 98.72 1.28 100.00

463.98 2.20 6.16 (1.85) 19.54 92.01 24.18 111.42 117.24 165.70 241.82 393.31 373.42 719.55 465.88 699.36 5,861.02 5,558.54 4,220.80 197.34 19,731.61

463.98 466.18 472.34 470.48 490.02 582.03 606.20 717.62 834.87 1,000.57 1,242.39 1,635.70 2,009.12 2,728.67 3,194.55 3,893.91 9,754.93 15,313.48 19,534.28 19,731.61

2.35 2.35 0.01 2.36 0.03 2.39 (0.01) 2.38 0.10 2.48 0.47 2.95 0.12 3.07 0.56 3.64 0.59 4.23 0.84 5.07 1.23 6.30 1.99 8.29 1.89 10.18 3.65 13.83 2.36 16.19 3.54 19.73 29.70 49.44 28.17 77.61 21.39 99.00 1.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 0 0 0 0 0 0 0 2 0 0 2 0 3 7 0 6 5 0 0 29

4 4 4 4 4 4 4 4 6 6 6 8 8 11 18 18 24 29 29 29

13.79 13.79 0.00 13.79 0.00 13.79 0.00 13.79 0.00 13.79 0.00 13.79 0.00 13.79 0.00 13.79 6.90 20.69 0.00 20.69 0.00 20.69 6.90 27.59 0.00 27.59 10.34 37.93 24.14 62.07 0.00 62.07 20.69 82.76 17.24 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 184.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 132.76 0.00 0.00 2.92 0.00 59.31 320.40 0.00 53.35 1,079.20 0.00 0.00 1,832.42

184.47 184.47 184.47 184.47 184.47 184.47 184.47 184.47 317.23 317.23 317.23 320.15 320.15 379.46 699.86 699.86 753.22 1,832.42 1,832.42 1,832.42

10.07 10.07 39.76 0.00 10.07 0.00 0.00 10.07 0.00 0.00 10.07 0.00 0.00 10.07 0.00 0.00 10.07 0.00 0.00 10.07 0.00 0.00 10.07 0.00 7.25 17.31 113.23 0.00 17.31 0.00 0.00 17.31 0.00 0.16 17.47 0.74 0.00 17.47 0.00 3.24 20.71 8.24 17.49 38.19 68.77 0.00 38.19 0.00 2.91 41.11 0.91 58.89 100.00 19.42 0.00 100.00 0.00 0.00 100.00 0.00

39.76 39.57 39.06 39.21 37.65 31.69 30.43 25.71 38.00 31.71 25.53 19.57 15.93 13.91 21.91 17.97 7.72 11.97 9.38 9.29

9.29

Page 119 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 32 Recreation Place

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1 23 12 7 7 4 6 21 6 16 4 11 2 45 7 38 12 19 17 1 259

1 24 36 43 50 54 60 81 87 103 107 118 120 165 172 210 222 241 258 259

0.39 0.39 8.88 9.27 4.63 13.90 2.70 16.60 2.70 19.31 1.54 20.85 2.32 23.17 8.11 31.27 2.32 33.59 6.18 39.77 1.54 41.31 4.25 45.56 0.77 46.33 17.37 63.71 2.70 66.41 14.67 81.08 4.63 85.71 7.34 93.05 6.56 99.61 0.39 100.00

0.43 76.93 19.62 2.93 5.68 4.49 4.23 83.20 1.64 95.01 1.82 6.26 1.50 650.46 46.00 862.34 354.84 1,049.69 375.76 18.85 3,661.68

0.43 77.36 96.98 99.91 105.59 110.08 114.30 197.51 199.14 294.16 295.98 302.24 303.74 954.20 1,000.19 1,862.54 2,217.38 3,267.07 3,642.83 3,661.68

0.01 0.01 2.10 2.11 0.54 2.65 0.08 2.73 0.16 2.88 0.12 3.01 0.12 3.12 2.27 5.39 0.04 5.44 2.59 8.03 0.05 8.08 0.17 8.25 0.04 8.30 17.76 26.06 1.26 27.32 23.55 50.87 9.69 60.56 28.67 89.22 10.26 99.49 0.51 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 2 0 4 0 0 0 0 0 4 30 2 14 0 56

0 0 0 0 0 0 0 2 2 6 6 6 6 6 6 10 40 42 56 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 3.57 3.57 0.00 3.57 7.14 10.71 0.00 10.71 0.00 10.71 0.00 10.71 0.00 10.71 0.00 10.71 7.14 17.86 53.57 71.43 3.57 75.00 25.00 100.00 0.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.66 0.00 16.68 0.00 0.00 0.00 0.00 0.00 26.56 207.08 234.27 240.48 0.00 735.75

0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.66 10.66 27.34 27.34 27.34 27.34 27.34 27.34 53.91 260.99 495.26 735.75 735.75

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 1.45 1.45 0.00 1.45 2.27 3.72 0.00 3.72 0.00 3.72 0.00 3.72 0.00 3.72 0.00 3.72 3.61 7.33 28.15 35.47 31.84 67.31 32.69 100.00 0.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.81 0.00 17.56 0.00 0.00 0.00 0.00 0.00 3.08 58.36 22.32 64.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.40 5.35 9.30 9.24 9.05 9.00 2.87 2.73 2.89 11.77 15.16 20.20 20.09

20.09

Page 120 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 40 Non Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 465 241 264 26 30 15 20 27 30 13 9 17 14 39 23 57 86 76 31 1 1,484

465 706 970 996 1,026 1,041 1,061 1,088 1,118 1,131 1,140 1,157 1,171 1,210 1,233 1,290 1,376 1,452 1,483 1,484

31.33 31.33 16.24 47.57 17.79 65.36 1.75 67.12 2.02 69.14 1.01 70.15 1.35 71.50 1.82 73.32 2.02 75.34 0.88 76.21 0.61 76.82 1.15 77.96 0.94 78.91 2.63 81.54 1.55 83.09 3.84 86.93 5.80 92.72 5.12 97.84 2.09 99.93 0.07 100.00

584.51 126.32 136.91 17.73 44.23 50.11 45.63 59.51 89.20 52.19 35.20 128.50 61.41 388.91 410.16 1,191.42 2,748.70 1,027.23 1,351.67 50.26 8,599.79

584.51 710.83 847.75 865.48 909.71 959.82 1,005.45 1,064.96 1,154.15 1,206.34 1,241.54 1,370.03 1,431.44 1,820.35 2,230.51 3,421.93 6,170.63 7,197.86 8,549.54 8,599.79

6.80 6.80 1.47 8.27 1.59 9.86 0.21 10.06 0.51 10.58 0.58 11.16 0.53 11.69 0.69 12.38 1.04 13.42 0.61 14.03 0.41 14.44 1.49 15.93 0.71 16.65 4.52 21.17 4.77 25.94 13.85 39.79 31.96 71.75 11.94 83.70 15.72 99.42 0.58 100.00

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

2 2 2 2 2 2 2 2 2 2 2 2 7 7 9 9 9 11 11 11

18.18 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 45.45 63.64 0.00 63.64 18.18 81.82 0.00 81.82 0.00 81.82 18.18 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 54.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 74.56 0.00 455.69 0.00 0.00 4.83 0.00 0.00 589.34

54.26 54.26 54.26 54.26 54.26 54.26 54.26 54.26 54.26 54.26 54.26 54.26 128.82 128.82 584.51 584.51 584.51 589.34 589.34 589.34

9.21 9.21 9.28 0.00 9.21 0.00 0.00 9.21 0.00 0.00 9.21 0.00 0.00 9.21 0.00 0.00 9.21 0.00 0.00 9.21 0.00 0.00 9.21 0.00 0.00 9.21 0.00 0.00 9.21 0.00 0.00 9.21 0.00 0.00 9.21 0.00 12.65 21.86 121.42 0.00 21.86 0.00 77.32 99.18 111.10 0.00 99.18 0.00 0.00 99.18 0.00 0.82 100.00 0.47 0.00 100.00 0.00 0.00 100.00 0.00

9.28 7.63 6.40 6.27 5.96 5.65 5.40 5.09 4.70 4.50 4.37 3.96 9.00 7.08 26.21 17.08 9.47 8.19 6.89 6.85

6.85

Page 121 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 01 - NANGGROE ACEH DARUSSALAM

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,726 2,287 3,414 2,037 1,920 683 491 316 154 74 65 66 38 55 20 31 67 18 10 11 13,483

1,726 4,013 7,427 9,464 11,384 12,067 12,558 12,874 13,028 13,102 13,167 13,233 13,271 13,326 13,346 13,377 13,444 13,462 13,472 13,483

12.80 12.80 16.96 29.76 25.32 55.08 15.11 70.19 14.24 84.43 5.07 89.50 3.64 93.14 2.34 95.48 1.14 96.63 0.55 97.17 0.48 97.66 0.49 98.15 0.28 98.43 0.41 98.84 0.15 98.98 0.23 99.21 0.50 99.71 0.13 99.84 0.07 99.92 0.08 100.00

568.95 668.56 1,977.90 1,906.12 2,689.95 1,509.67 1,600.57 1,169.49 649.49 452.68 452.70 398.80 284.18 682.47 236.77 769.28 2,012.50 365.95 89.84 652.70 19,138.56

568.95 1,237.51 3,215.41 5,121.53 7,811.48 9,321.15 10,921.72 12,091.21 12,740.70 13,193.38 13,646.08 14,044.88 14,329.05 15,011.52 15,248.29 16,017.57 18,030.08 18,396.02 18,485.86 19,138.56

2.97 2.97 3.49 6.47 10.33 16.80 9.96 26.76 14.06 40.82 7.89 48.70 8.36 57.07 6.11 63.18 3.39 66.57 2.37 68.94 2.37 71.30 2.08 73.39 1.48 74.87 3.57 78.44 1.24 79.67 4.02 83.69 10.52 94.21 1.91 96.12 0.47 96.59 3.41 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 4 20 4 6 2 2 4 0 0 2 0 0 0 0 0 0 0 0 0 50

6 10 30 34 40 42 44 48 48 48 50 50 50 50 50 50 50 50 50 50

12.00 8.00 40.00 8.00 12.00 4.00 4.00 8.00 0.00 0.00 4.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

12.00 20.00 60.00 68.00 80.00 84.00 88.00 96.00 96.00 96.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 55.23 18.76 816.18 232.75 655.83 499.69 17.69 229.13 0.00 0.00 98.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,623.88

55.23 73.99 890.16 1,122.91 1,778.74 2,278.42 2,296.11 2,525.24 2,525.24 2,525.24 2,623.88 2,623.88 2,623.88 2,623.88 2,623.88 2,623.88 2,623.88 2,623.88 2,623.88 2,623.88

2.10 0.71 31.11 8.87 24.99 19.04 0.67 8.73 0.00 0.00 3.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2.10 2.82 33.93 42.80 67.79 86.83 87.51 96.24 96.24 96.24 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

9.71 2.81 41.26 12.21 24.38 33.10 1.10 19.59 0.00 0.00 21.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9.71 5.98 27.68 21.93 22.77 24.44 21.02 20.88 19.82 19.14 19.23 18.68 18.31 17.48 17.21 16.38 14.55 14.26 14.19 13.71

13.71

Page 122 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 02 - SUMATERA UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 12,735 11,770 17,004 11,793 12,493 5,912 4,102 2,984 1,744 890 788 971 688 869 512 840 1,000 493 391 133 88,112

12,735 24,505 41,509 53,302 65,795 71,707 75,809 78,793 80,537 81,427 82,215 83,186 83,874 84,743 85,255 86,095 87,095 87,588 87,979 88,112

14.45 14.45 13.36 27.81 19.30 47.11 13.38 60.49 14.18 74.67 6.71 81.38 4.66 86.04 3.39 89.42 1.98 91.40 1.01 92.41 0.89 93.31 1.10 94.41 0.78 95.19 0.99 96.18 0.58 96.76 0.95 97.71 1.13 98.85 0.56 99.41 0.44 99.85 0.15 100.00

5,810.79 2,049.97 5,166.49 5,976.52 10,778.37 7,526.68 7,849.63 7,013.22 5,794.17 3,687.46 3,565.64 4,913.54 4,320.86 7,021.24 5,056.02 11,057.96 16,902.23 9,446.92 11,012.09 2,038.90 136,988.72

5,810.79 7,860.76 13,027.25 19,003.76 29,782.14 37,308.82 45,158.45 52,171.68 57,965.85 61,653.31 65,218.96 70,132.49 74,453.35 81,474.59 86,530.62 97,588.57 114,490.81 123,937.73 134,949.82 136,988.72

4.24 4.24 1.50 5.74 3.77 9.51 4.36 13.87 7.87 21.74 5.49 27.23 5.73 32.97 5.12 38.08 4.23 42.31 2.69 45.01 2.60 47.61 3.59 51.20 3.15 54.35 5.13 59.48 3.69 63.17 8.07 71.24 12.34 83.58 6.90 90.47 8.04 98.51 1.49 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 44 13 36 14 35 28 24 33 4 17 13 16 4 16 24 26 28 17 15 1 408

44 57 93 107 142 170 194 227 231 248 261 277 281 297 321 347 375 392 407 408

10.78 10.78 3.19 13.97 8.82 22.79 3.43 26.23 8.58 34.80 6.86 41.67 5.88 47.55 8.09 55.64 0.98 56.62 4.17 60.78 3.19 63.97 3.92 67.89 0.98 68.87 3.92 72.79 5.88 78.68 6.37 85.05 6.86 91.91 4.17 96.08 3.68 99.75 0.25 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,621.20 384.55 1,021.39 459.52 1,301.48 1,515.74 2,415.10 1,488.71 25.68 2,845.53 214.98 75.17 15.77 5,571.60 4,995.35 579.32 6,860.13 2,873.64 3,157.11 0.00 38,421.97

2,621.20 3,005.75 4,027.14 4,486.66 5,788.14 7,303.88 9,718.98 11,207.70 11,233.38 14,078.91 14,293.90 14,369.07 14,384.83 19,956.43 24,951.78 25,531.10 32,391.22 35,264.86 38,421.97 38,421.97

6.82 6.82 1.00 7.82 2.66 10.48 1.20 11.68 3.39 15.06 3.94 19.01 6.29 25.30 3.87 29.17 0.07 29.24 7.41 36.64 0.56 37.20 0.20 37.40 0.04 37.44 14.50 51.94 13.00 64.94 1.51 66.45 17.85 84.30 7.48 91.78 8.22 100.00 0.00 100.00

45.11 18.76 19.77 7.69 12.07 20.14 30.77 21.23 0.44 77.17 6.03 1.53 0.36 79.35 98.80 5.24 40.59 30.42 28.67 0.00

45.11 38.24 30.91 23.61 19.43 19.58 21.52 21.48 19.38 22.84 21.92 20.49 19.32 24.49 28.84 26.16 28.29 28.45 28.47 28.05

28.05

Page 123 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 03 - SUMATERA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,211 5,729 9,611 6,493 6,106 2,443 1,819 1,210 752 369 308 385 354 398 267 278 179 91 80 33 41,116

4,211 9,940 19,551 26,044 32,150 34,593 36,412 37,622 38,374 38,743 39,051 39,436 39,790 40,188 40,455 40,733 40,912 41,003 41,083 41,116

10.24 10.24 13.93 24.18 23.38 47.55 15.79 63.34 14.85 78.19 5.94 84.14 4.42 88.56 2.94 91.50 1.83 93.33 0.90 94.23 0.75 94.98 0.94 95.91 0.86 96.77 0.97 97.74 0.65 98.39 0.68 99.07 0.44 99.50 0.22 99.73 0.19 99.92 0.08 100.00

1,604.46 1,024.91 2,762.63 2,789.50 5,035.52 3,253.36 3,588.87 3,037.46 2,096.82 1,124.82 1,105.71 1,293.10 1,105.42 1,630.99 1,091.18 2,216.69 2,837.37 1,167.47 811.58 603.13 40,181.01

1,604.46 2,629.37 5,392.00 8,181.50 13,217.03 16,470.39 20,059.26 23,096.72 25,193.54 26,318.37 27,424.08 28,717.18 29,822.60 31,453.59 32,544.77 34,761.46 37,598.83 38,766.31 39,577.89 40,181.01

3.99 3.99 2.55 6.54 6.88 13.42 6.94 20.36 12.53 32.89 8.10 40.99 8.93 49.92 7.56 57.48 5.22 62.70 2.80 65.50 2.75 68.25 3.22 71.47 2.75 74.22 4.06 78.28 2.72 81.00 5.52 86.51 7.06 93.57 2.91 96.48 2.02 98.50 1.50 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 4 6 12 4 0 2 8 0 0 0 0 0 0 0 0 2 0 0 38

0 0 4 10 22 26 26 28 36 36 36 36 36 36 36 36 36 38 38 38

0.00 0.00 0.00 0.00 10.53 10.53 15.79 26.32 31.58 57.89 10.53 68.42 0.00 68.42 5.26 73.68 21.05 94.74 0.00 94.74 0.00 94.74 0.00 94.74 0.00 94.74 0.00 94.74 0.00 94.74 0.00 94.74 0.00 94.74 5.26 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 146.71 313.81 800.93 46.46 0.00 56.05 215.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 450.00 0.00 0.00 2,029.89

0.00 0.00 146.71 460.51 1,261.44 1,307.90 1,307.90 1,363.95 1,579.89 1,579.89 1,579.89 1,579.89 1,579.89 1,579.89 1,579.89 1,579.89 1,579.89 2,029.89 2,029.89 2,029.89

0.00 0.00 0.00 0.00 7.23 7.23 15.46 22.69 39.46 62.14 2.29 64.43 0.00 64.43 2.76 67.19 10.64 77.83 0.00 77.83 0.00 77.83 0.00 77.83 0.00 77.83 0.00 77.83 0.00 77.83 0.00 77.83 0.00 77.83 22.17 100.00 0.00 100.00 0.00 100.00

0.00 0.00 5.31 11.25 15.91 1.43 0.00 1.85 10.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 38.54 0.00 0.00

0.00 0.00 2.72 5.63 9.54 7.94 6.52 5.91 6.27 6.00 5.76 5.50 5.30 5.02 4.85 4.54 4.20 5.24 5.13 5.05

5.05

Page 124 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 04 - RIAU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,101 5,561 8,590 5,869 6,555 2,643 1,698 1,257 791 387 317 365 274 353 200 348 446 287 290 113 41,445

5,101 10,662 19,252 25,121 31,676 34,319 36,017 37,274 38,065 38,452 38,769 39,134 39,408 39,761 39,961 40,309 40,755 41,042 41,332 41,445

12.31 12.31 13.42 25.73 20.73 46.45 14.16 60.61 15.82 76.43 6.38 82.81 4.10 86.90 3.03 89.94 1.91 91.84 0.93 92.78 0.76 93.54 0.88 94.42 0.66 95.09 0.85 95.94 0.48 96.42 0.84 97.26 1.08 98.34 0.69 99.03 0.70 99.73 0.27 100.00

3,604.09 1,378.73 3,175.25 3,777.44 6,902.85 4,326.48 3,880.82 3,673.89 2,673.69 1,485.75 1,575.33 2,019.38 1,790.19 2,063.32 1,321.29 3,231.66 4,821.86 4,075.68 3,223.01 673.59 59,674.30

3,604.09 4,982.82 8,158.08 11,935.52 18,838.37 23,164.85 27,045.67 30,719.55 33,393.24 34,878.99 36,454.32 38,473.70 40,263.89 42,327.21 43,648.50 46,880.16 51,702.02 55,777.70 59,000.71 59,674.30

6.04 6.04 2.31 8.35 5.32 13.67 6.33 20.00 11.57 31.57 7.25 38.82 6.50 45.32 6.16 51.48 4.48 55.96 2.49 58.45 2.64 61.09 3.38 64.47 3.00 67.47 3.46 70.93 2.21 73.14 5.42 78.56 8.08 86.64 6.83 93.47 5.40 98.87 1.13 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 18 6 10 15 7 2 7 5 6 4 9 6 2 0 0 7 23 7 4 6 144

18 24 34 49 56 58 65 70 76 80 89 95 97 97 97 104 127 134 138 144

12.50 12.50 4.17 16.67 6.94 23.61 10.42 34.03 4.86 38.89 1.39 40.28 4.86 45.14 3.47 48.61 4.17 52.78 2.78 55.56 6.25 61.81 4.17 65.97 1.39 67.36 0.00 67.36 0.00 67.36 4.86 72.22 15.97 88.19 4.86 93.06 2.78 95.83 4.17 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 5,669.05 71.16 259.21 482.41 648.82 180.07 565.52 145.61 143.96 78.72 1,746.97 260.41 5.00 0.00 0.00 1,226.68 939.34 113.21 779.37 6,057.99 19,373.50

5,669.05 5,740.21 5,999.42 6,481.83 7,130.65 7,310.73 7,876.24 8,021.85 8,165.81 8,244.52 9,991.49 10,251.91 10,256.91 10,256.91 10,256.91 11,483.59 12,422.93 12,536.14 13,315.51 19,373.50

29.26 29.26 157.29 157.29 0.37 29.63 5.16 115.20 1.34 30.97 8.16 73.54 2.49 33.46 12.77 54.31 3.35 36.81 9.40 37.85 0.93 37.74 4.16 31.56 2.92 40.65 14.57 29.12 0.75 41.41 3.96 26.11 0.74 42.15 5.38 24.45 0.41 42.56 5.30 23.64 9.02 51.57 110.90 27.41 1.34 52.92 12.90 26.65 0.03 52.94 0.28 25.47 0.00 52.94 0.00 24.23 0.00 52.94 0.00 23.50 6.33 59.27 37.96 24.50 4.85 64.12 19.48 24.03 0.58 64.71 2.78 22.48 4.02 68.73 24.18 22.57 31.27 100.00 899.36 32.47 32.47

Page 125 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 05 - JAMBI

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,083 2,284 3,285 2,018 1,929 817 507 385 217 96 63 102 91 113 62 97 124 80 49 11 14,413

2,083 4,367 7,652 9,670 11,599 12,416 12,923 13,308 13,525 13,621 13,684 13,786 13,877 13,990 14,052 14,149 14,273 14,353 14,402 14,413

14.45 14.45 15.85 30.30 22.79 53.09 14.00 67.09 13.38 80.48 5.67 86.14 3.52 89.66 2.67 92.33 1.51 93.84 0.67 94.50 0.44 94.94 0.71 95.65 0.63 96.28 0.78 97.07 0.43 97.50 0.67 98.17 0.86 99.03 0.56 99.58 0.34 99.92 0.08 100.00

755.02 563.85 1,458.55 1,548.29 2,101.81 1,385.78 1,230.31 1,053.19 746.15 588.57 305.30 569.65 472.14 895.49 575.55 1,405.65 1,481.74 726.64 446.17 855.57 19,165.42

755.02 1,318.87 2,777.42 4,325.71 6,427.52 7,813.30 9,043.61 10,096.81 10,842.96 11,431.53 11,736.82 12,306.47 12,778.61 13,674.10 14,249.65 15,655.30 17,137.04 17,863.69 18,309.86 19,165.42

3.94 3.94 2.94 6.88 7.61 14.49 8.08 22.57 10.97 33.54 7.23 40.77 6.42 47.19 5.50 52.68 3.89 56.58 3.07 59.65 1.59 61.24 2.97 64.21 2.46 66.68 4.67 71.35 3.00 74.35 7.33 81.69 7.73 89.42 3.79 93.21 2.33 95.54 4.46 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 5 2 9 0 0 2 0 0 0 0 0 2 0 4 0 6 0 4 0 0 34

5 7 16 16 16 18 18 18 18 18 18 20 20 24 24 30 30 34 34 34

14.71 14.71 5.88 20.59 26.47 47.06 0.00 47.06 0.00 47.06 5.88 52.94 0.00 52.94 0.00 52.94 0.00 52.94 0.00 52.94 0.00 52.94 5.88 58.82 0.00 58.82 11.76 70.59 0.00 70.59 17.65 88.24 0.00 88.24 11.76 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 37.50 20.24 391.95 0.00 0.00 28.26 0.00 0.00 0.00 0.00 0.00 8.11 0.00 124.95 0.00 103.42 0.00 160.92 0.00 0.00 875.34

37.50 57.75 449.69 449.69 449.69 477.95 477.95 477.95 477.95 477.95 477.95 486.06 486.06 611.00 611.00 714.42 714.42 875.34 875.34 875.34

4.28 4.28 2.31 6.60 44.78 51.37 0.00 51.37 0.00 51.37 3.23 54.60 0.00 54.60 0.00 54.60 0.00 54.60 0.00 54.60 0.00 54.60 0.93 55.53 0.00 55.53 14.27 69.80 0.00 69.80 11.81 81.62 0.00 81.62 18.38 100.00 0.00 100.00 0.00 100.00

4.97 3.59 26.87 0.00 0.00 2.04 0.00 0.00 0.00 0.00 0.00 1.42 0.00 13.95 0.00 7.36 0.00 22.15 0.00 0.00

4.97 4.38 16.19 10.40 7.00 6.12 5.28 4.73 4.41 4.18 4.07 3.95 3.80 4.47 4.29 4.56 4.17 4.90 4.78 4.57

4.57

Page 126 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 06 - SUMATERA SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,969 3,440 5,893 4,036 4,496 2,218 1,622 1,193 710 364 274 329 226 271 211 303 272 181 219 60 30,287

3,969 7,409 13,302 17,338 21,834 24,052 25,674 26,867 27,577 27,941 28,215 28,544 28,770 29,041 29,252 29,555 29,827 30,008 30,227 30,287

13.10 13.10 11.36 24.46 19.46 43.92 13.33 57.25 14.84 72.09 7.32 79.41 5.36 84.77 3.94 88.71 2.34 91.05 1.20 92.25 0.90 93.16 1.09 94.25 0.75 94.99 0.89 95.89 0.70 96.58 1.00 97.58 0.90 98.48 0.60 99.08 0.72 99.80 0.20 100.00

3,047.57 610.14 1,865.68 2,411.10 4,277.01 3,009.88 3,227.54 3,027.91 2,320.82 1,347.13 1,052.33 1,470.31 1,201.26 1,574.88 1,530.62 3,111.05 4,059.61 2,807.14 4,036.74 3,317.57 49,306.29

3,047.57 3,657.72 5,523.39 7,934.49 12,211.50 15,221.38 18,448.92 21,476.83 23,797.64 25,144.77 26,197.10 27,667.42 28,868.68 30,443.56 31,974.17 35,085.22 39,144.83 41,951.97 45,988.71 49,306.29

6.18 6.18 1.24 7.42 3.78 11.20 4.89 16.09 8.67 24.77 6.10 30.87 6.55 37.42 6.14 43.56 4.71 48.26 2.73 51.00 2.13 53.13 2.98 56.11 2.44 58.55 3.19 61.74 3.10 64.85 6.31 71.16 8.23 79.39 5.69 85.08 8.19 93.27 6.73 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 10 2 3 6 11 4 4 2 2 3 1 3 9 5 2 8 0 5 17 13 110

10 12 15 21 32 36 40 42 44 47 48 51 60 65 67 75 75 80 97 110

9.09 9.09 1.82 10.91 2.73 13.64 5.45 19.09 10.00 29.09 3.64 32.73 3.64 36.36 1.82 38.18 1.82 40.00 2.73 42.73 0.91 43.64 2.73 46.36 8.18 54.55 4.55 59.09 1.82 60.91 7.27 68.18 0.00 68.18 4.55 72.73 15.45 88.18 11.82 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,471.41 4.55 89.97 63.15 14.80 22.42 89.83 1.57 5.97 1,538.42 0.00 39.95 145.19 109.20 0.57 2,435.21 0.00 196.84 1,254.69 27,913.51 35,397.22

1,471.41 1,475.95 1,565.92 1,629.07 1,643.87 1,666.28 1,756.12 1,757.69 1,763.65 3,302.07 3,302.07 3,342.02 3,487.20 3,596.40 3,596.97 6,032.18 6,032.18 6,229.02 7,483.71 35,397.22

4.16 4.16 48.28 0.01 4.17 0.75 0.25 4.42 4.82 0.18 4.60 2.62 0.04 4.64 0.35 0.06 4.71 0.74 0.25 4.96 2.78 0.00 4.97 0.05 0.02 4.98 0.26 4.35 9.33 114.20 0.00 9.33 0.00 0.11 9.44 2.72 0.41 9.85 12.09 0.31 10.16 6.93 0.00 10.16 0.04 6.88 17.04 78.28 0.00 17.04 0.00 0.56 17.60 7.01 3.54 21.14 31.08 78.86 100.00 841.38

48.28 40.35 28.35 20.53 13.46 10.95 9.52 8.18 7.41 13.13 12.60 12.08 12.08 11.81 11.25 17.19 15.41 14.85 16.27 71.79

71.79

Page 127 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 07 - BENGKULU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,639 1,837 2,633 1,634 1,483 574 400 177 120 53 40 44 47 56 29 83 65 38 24 10 10,986

1,639 3,476 6,109 7,743 9,226 9,800 10,200 10,377 10,497 10,550 10,590 10,634 10,681 10,737 10,766 10,849 10,914 10,952 10,976 10,986

14.92 14.92 16.72 31.64 23.97 55.61 14.87 70.48 13.50 83.98 5.22 89.20 3.64 92.85 1.61 94.46 1.09 95.55 0.48 96.03 0.36 96.40 0.40 96.80 0.43 97.22 0.51 97.73 0.26 98.00 0.76 98.75 0.59 99.34 0.35 99.69 0.22 99.91 0.09 100.00

419.75 393.49 1,020.39 978.88 1,560.76 917.80 896.55 493.36 375.99 229.86 211.58 162.82 233.55 342.39 424.65 725.26 693.85 378.11 199.08 44.46 10,702.61

419.75 813.24 1,833.63 2,812.51 4,373.27 5,291.07 6,187.62 6,680.99 7,056.98 7,286.84 7,498.42 7,661.25 7,894.80 8,237.19 8,661.84 9,387.10 10,080.95 10,459.06 10,658.15 10,702.61

3.92 3.92 3.68 7.60 9.53 17.13 9.15 26.28 14.58 40.86 8.58 49.44 8.38 57.81 4.61 62.42 3.51 65.94 2.15 68.08 1.98 70.06 1.52 71.58 2.18 73.77 3.20 76.96 3.97 80.93 6.78 87.71 6.48 94.19 3.53 97.72 1.86 99.58 0.42 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 2 0 4 9 7 0 0 0 0 0 0 0 0 0 0 0 0 0 0 28

6 8 8 12 21 28 28 28 28 28 28 28 28 28 28 28 28 28 28 28

21.43 7.14 0.00 14.29 32.14 25.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

21.43 28.57 28.57 42.86 75.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 115.11 20.31 0.00 176.68 668.73 1,370.21 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,351.04

115.11 135.42 135.42 312.10 980.83 2,351.04 2,351.04 2,351.04 2,351.04 2,351.04 2,351.04 2,351.04 2,351.04 2,351.04 2,351.04 2,351.04 2,351.04 2,351.04 2,351.04 2,351.04

4.90 0.86 0.00 7.51 28.44 58.28 0.00 0.00 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 27.42 5.76 5.16 5.76 0.00 13.27 18.05 41.72 42.85 100.00 149.29 100.00 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

27.42 16.65 7.39 11.10 22.43 44.43 38.00 35.19 33.32 32.26 31.35 30.69 29.78 28.54 27.14 25.05 23.32 22.48 22.06 21.97

21.97

Page 128 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 08 - LAMPUNG

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,398 3,439 4,820 2,659 2,755 1,444 1,135 755 415 260 222 232 147 244 148 338 271 145 165 77 23,069

3,398 6,837 11,657 14,316 17,071 18,515 19,650 20,405 20,820 21,080 21,302 21,534 21,681 21,925 22,073 22,411 22,682 22,827 22,992 23,069

14.73 14.73 14.91 29.64 20.89 50.53 11.53 62.06 11.94 74.00 6.26 80.26 4.92 85.18 3.27 88.45 1.80 90.25 1.13 91.38 0.96 92.34 1.01 93.35 0.64 93.98 1.06 95.04 0.64 95.68 1.47 97.15 1.17 98.32 0.63 98.95 0.72 99.67 0.33 100.00

2,755.73 599.63 1,675.82 1,523.47 2,530.75 1,844.53 2,088.34 1,702.44 1,496.31 1,169.77 1,012.15 1,187.00 877.73 2,138.89 2,187.16 3,859.45 4,663.26 2,588.91 2,463.55 683.48 39,048.36

2,755.73 3,355.36 5,031.18 6,554.66 9,085.40 10,929.93 13,018.27 14,720.70 16,217.01 17,386.78 18,398.93 19,585.93 20,463.66 22,602.55 24,789.71 28,649.16 33,312.42 35,901.33 38,364.88 39,048.36

7.06 7.06 1.54 8.59 4.29 12.88 3.90 16.79 6.48 23.27 4.72 27.99 5.35 33.34 4.36 37.70 3.83 41.53 3.00 44.53 2.59 47.12 3.04 50.16 2.25 52.41 5.48 57.88 5.60 63.48 9.88 73.37 11.94 85.31 6.63 91.94 6.31 98.25 1.75 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 33 2 9 0 8 6 0 2 6 6 0 5 0 4 5 22 32 10 0 2 152

33 35 44 44 52 58 58 60 66 72 72 77 77 81 86 108 140 150 150 152

21.71 21.71 1.32 23.03 5.92 28.95 0.00 28.95 5.26 34.21 3.95 38.16 0.00 38.16 1.32 39.47 3.95 43.42 3.95 47.37 0.00 47.37 3.29 50.66 0.00 50.66 2.63 53.29 3.29 56.58 14.47 71.05 21.05 92.11 6.58 98.68 0.00 98.68 1.32 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,031.99 0.00 417.53 0.00 285.22 67.00 0.00 23.19 286.54 41.84 0.00 2,418.29 0.00 169.06 99.75 560.35 303.69 415.44 0.00 300.00 7,419.90

2,031.99 2,031.99 2,449.52 2,449.52 2,734.75 2,801.75 2,801.75 2,824.94 3,111.48 3,153.32 3,153.32 5,571.61 5,571.61 5,740.67 5,840.42 6,400.77 6,704.46 7,119.90 7,119.90 7,419.90

27.39 27.39 73.74 0.00 27.39 0.00 5.63 33.01 24.91 0.00 33.01 0.00 3.84 36.86 11.27 0.90 37.76 3.63 0.00 37.76 0.00 0.31 38.07 1.36 3.86 41.93 19.15 0.56 42.50 3.58 0.00 42.50 0.00 32.59 75.09 203.73 0.00 75.09 0.00 2.28 77.37 7.90 1.34 78.71 4.56 7.55 86.26 14.52 4.09 90.36 6.51 5.60 95.96 16.05 0.00 95.96 0.00 4.04 100.00 43.89

73.74 60.56 48.69 37.37 30.10 25.63 21.52 19.19 19.19 18.14 17.14 28.45 27.23 25.40 23.56 22.34 20.13 19.83 18.56 19.00

19.00

Page 129 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 09 - DAERAH KHUSUS IBUKOTA JAKARTA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 23,585 14,266 29,030 25,995 40,319 25,990 20,800 16,423 9,491 5,309 4,309 4,818 3,353 3,951 2,548 3,834 3,144 1,472 2,069 746 241,452

23,585 37,851 66,881 92,876 133,195 159,185 179,985 196,408 205,899 211,208 215,517 220,335 223,688 227,639 230,187 234,021 237,165 238,637 240,706 241,452

9.77 9.77 5.91 15.68 12.02 27.70 10.77 38.47 16.70 55.16 10.76 65.93 8.61 74.54 6.80 81.34 3.93 85.28 2.20 87.47 1.78 89.26 2.00 91.25 1.39 92.64 1.64 94.28 1.06 95.33 1.59 96.92 1.30 98.22 0.61 98.83 0.86 99.69 0.31 100.00

23,831.62 3,637.59 8,427.25 10,827.87 25,440.39 23,477.35 26,908.71 29,854.43 23,429.01 15,867.60 14,924.95 19,313.23 16,432.85 23,203.20 18,454.73 39,624.11 36,844.26 17,227.62 35,845.93 6,539.30 420,112.01

23,831.62 27,469.22 35,896.47 46,724.33 72,164.72 95,642.07 122,550.79 152,405.21 175,834.23 191,701.83 206,626.78 225,940.01 242,372.87 265,576.07 284,030.80 323,654.91 360,499.17 377,726.79 413,572.71 420,112.01

5.67 5.67 0.87 6.54 2.01 8.54 2.58 11.12 6.06 17.18 5.59 22.77 6.41 29.17 7.11 36.28 5.58 41.85 3.78 45.63 3.55 49.18 4.60 53.78 3.91 57.69 5.52 63.22 4.39 67.61 9.43 77.04 8.77 85.81 4.10 89.91 8.53 98.44 1.56 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

273 49 86 68 127 71 60 65 64 31 27 31 24 108 39 297 127 71 254 68

35,051.69 35,051.69 709.67 35,761.36 1,973.10 37,734.45 2,386.86 40,121.31 4,726.51 44,847.82 2,648.44 47,496.25 1,673.86 49,170.12 2,833.29 52,003.40 7,171.07 59,174.47 560.65 59,735.12 2,483.49 62,218.61 2,775.36 64,993.97 578.99 65,572.96 19,316.39 84,889.35 3,850.68 88,740.03 5,420.42 94,160.44 4,298.94 98,459.39 1,232.81 99,692.20 43,576.82 143,269.02 2,544.60 145,813.62

1,940

273 322 408 476 603 674 734 799 863 894 921 952 976 1,084 1,123 1,420 1,547 1,618 1,872 1,940

14.07 14.07 2.53 16.60 4.43 21.03 3.51 24.54 6.55 31.08 3.66 34.74 3.09 37.84 3.35 41.19 3.30 44.48 1.60 46.08 1.39 47.47 1.60 49.07 1.24 50.31 5.57 55.88 2.01 57.89 15.31 73.20 6.55 79.74 3.66 83.40 13.09 96.49 3.51 100.00

145,813.62

24.04 24.04 147.08 147.08 0.49 24.53 19.51 130.19 1.35 25.88 23.41 105.12 1.64 27.52 22.04 85.87 3.24 30.76 18.58 62.15 1.82 32.57 11.28 49.66 1.15 33.72 6.22 40.12 1.94 35.66 9.49 34.12 4.92 40.58 30.61 33.65 0.38 40.97 3.53 31.16 1.70 42.67 16.64 30.11 1.90 44.57 14.37 28.77 0.40 44.97 3.52 27.05 13.25 58.22 83.25 31.96 2.64 60.86 20.87 31.24 3.72 64.58 13.68 29.09 2.95 67.52 11.67 27.31 0.85 68.37 7.16 26.39 29.89 98.25 121.57 34.64 1.75 100.00 38.91 34.71 34.71

Page 130 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 10 - JAWA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 26,533 24,664 34,514 21,488 24,128 13,431 11,274 8,400 4,606 2,663 2,209 2,833 2,039 2,901 2,072 3,457 3,375 1,523 2,022 818 194,950

26,533 51,197 85,711 107,199 131,327 144,758 156,032 164,432 169,038 171,701 173,910 176,743 178,782 181,683 183,755 187,212 190,587 192,110 194,132 194,950

13.61 13.61 12.65 26.26 17.70 43.97 11.02 54.99 12.38 67.36 6.89 74.25 5.78 80.04 4.31 84.35 2.36 86.71 1.37 88.07 1.13 89.21 1.45 90.66 1.05 91.71 1.49 93.19 1.06 94.26 1.77 96.03 1.73 97.76 0.78 98.54 1.04 99.58 0.42 100.00

16,283.63 3,877.42 9,721.26 10,192.08 17,512.60 14,586.37 15,380.47 16,207.07 12,468.58 9,051.70 8,299.22 12,520.98 10,053.70 18,278.98 16,748.57 38,910.65 43,986.34 22,509.22 31,666.13 11,171.28 339,426.24

16,283.63 20,161.06 29,882.31 40,074.39 57,586.99 72,173.36 87,553.83 103,760.90 116,229.48 125,281.18 133,580.40 146,101.39 156,155.08 174,434.06 191,182.63 230,093.28 274,079.62 296,588.84 328,254.96 339,426.24

4.80 4.80 1.14 5.94 2.86 8.80 3.00 11.81 5.16 16.97 4.30 21.26 4.53 25.79 4.77 30.57 3.67 34.24 2.67 36.91 2.45 39.35 3.69 43.04 2.96 46.01 5.39 51.39 4.93 56.33 11.46 67.79 12.96 80.75 6.63 87.38 9.33 96.71 3.29 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

721 15 66 59 47 39 29 36 25 13 12 32 43 40 24 101 134 86 161 53

80,240.94 302.71 839.81 1,087.19 799.08 2,910.04 1,281.23 395.11 1,787.37 380.51 687.79 1,480.70 1,512.25 3,934.39 1,147.04 5,585.91 14,274.14 7,398.29 53,539.11 5,761.76

1,736

721 736 802 861 908 947 976 1,012 1,037 1,050 1,062 1,094 1,137 1,177 1,201 1,302 1,436 1,522 1,683 1,736

41.53 41.53 0.86 42.40 3.80 46.20 3.40 49.60 2.71 52.30 2.25 54.55 1.67 56.22 2.07 58.29 1.44 59.74 0.75 60.48 0.69 61.18 1.84 63.02 2.48 65.50 2.30 67.80 1.38 69.18 5.82 75.00 7.72 82.72 4.95 87.67 9.27 96.95 3.05 100.00

185,345.35

80,240.94 80,543.64 81,383.46 82,470.64 83,269.72 86,179.76 87,460.98 87,856.09 89,643.47 90,023.98 90,711.77 92,192.47 93,704.72 97,639.10 98,786.15 104,372.06 118,646.19 126,044.48 179,583.59 185,345.35

43.29 43.29 492.77 492.77 0.16 43.46 7.81 399.50 0.45 43.91 8.64 272.35 0.59 44.50 10.67 205.79 0.43 44.93 4.56 144.60 1.57 46.50 19.95 119.41 0.69 47.19 8.33 99.89 0.21 47.40 2.44 84.67 0.96 48.37 14.34 77.13 0.21 48.57 4.20 71.86 0.37 48.94 8.29 67.91 0.80 49.74 11.83 63.10 0.82 50.56 15.04 60.01 2.12 52.68 21.52 55.97 0.62 53.30 6.85 51.67 3.01 56.31 14.36 45.36 7.70 64.01 32.45 43.29 3.99 68.01 32.87 42.50 28.89 96.89 169.07 54.71 3.11 100.00 51.58 54.61 54.61

Page 131 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 11 - JAWA TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 19,639 15,936 17,470 9,046 9,688 5,749 4,929 3,960 2,227 1,385 1,142 1,365 860 1,345 809 1,299 1,137 456 527 197 99,166

19,639 35,575 53,045 62,091 71,779 77,528 82,457 86,417 88,644 90,029 91,171 92,536 93,396 94,741 95,550 96,849 97,986 98,442 98,969 99,166

19.80 19.80 16.07 35.87 17.62 53.49 9.12 62.61 9.77 72.38 5.80 78.18 4.97 83.15 3.99 87.14 2.25 89.39 1.40 90.79 1.15 91.94 1.38 93.31 0.87 94.18 1.36 95.54 0.82 96.35 1.31 97.66 1.15 98.81 0.46 99.27 0.53 99.80 0.20 100.00

7,679.59 2,408.02 4,964.97 4,388.40 7,885.46 6,738.50 7,010.11 8,196.06 6,358.91 5,155.16 4,472.13 6,663.44 4,913.38 9,451.37 6,852.47 15,396.99 14,825.28 7,257.93 9,690.54 3,423.09 143,731.80

7,679.59 10,087.60 15,052.57 19,440.97 27,326.43 34,064.93 41,075.04 49,271.10 55,630.01 60,785.17 65,257.30 71,920.75 76,834.12 86,285.49 93,137.96 108,534.95 123,360.24 130,618.17 140,308.71 143,731.80

5.34 5.34 1.68 7.02 3.45 10.47 3.05 13.53 5.49 19.01 4.69 23.70 4.88 28.58 5.70 34.28 4.42 38.70 3.59 42.29 3.11 45.40 4.64 50.04 3.42 53.46 6.58 60.03 4.77 64.80 10.71 75.51 10.31 85.83 5.05 90.88 6.74 97.62 2.38 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 58 13 10 16 21 11 36 22 19 14 12 17 8 17 30 47 34 25 62 19 491

58 71 81 97 118 129 165 187 206 220 232 249 257 274 304 351 385 410 472 491

11.81 11.81 2.65 14.46 2.04 16.50 3.26 19.76 4.28 24.03 2.24 26.27 7.33 33.60 4.48 38.09 3.87 41.96 2.85 44.81 2.44 47.25 3.46 50.71 1.63 52.34 3.46 55.80 6.11 61.91 9.57 71.49 6.92 78.41 5.09 83.50 12.63 96.13 3.87 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,917.56 33.88 1,072.44 549.92 237.21 146.46 2,372.84 1,506.01 2,123.84 1,812.16 292.88 381.37 184.82 746.59 6,945.95 6,536.44 7,496.45 1,516.96 3,151.66 7,800.29 46,825.74

1,917.56 1,951.44 3,023.88 3,573.80 3,811.01 3,957.47 6,330.31 7,836.32 9,960.17 11,772.33 12,065.21 12,446.58 12,631.40 13,377.99 20,323.94 26,860.38 34,356.83 35,873.79 39,025.45 46,825.74

4.10 4.10 24.97 0.07 4.17 1.41 2.29 6.46 21.60 1.17 7.63 12.53 0.51 8.14 3.01 0.31 8.45 2.17 5.07 13.52 33.85 3.22 16.74 18.37 4.54 21.27 33.40 3.87 25.14 35.15 0.63 25.77 6.55 0.81 26.58 5.72 0.39 26.98 3.76 1.59 28.57 7.90 14.83 43.40 101.36 13.96 57.36 42.45 16.01 73.37 50.57 3.24 76.61 20.90 6.73 83.34 32.52 16.66 100.00 227.87

24.97 19.34 20.09 18.38 13.95 11.62 15.41 15.90 17.90 19.37 18.49 17.31 16.44 15.50 21.82 24.75 27.85 27.46 27.81 32.58

32.58

Page 132 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 12 - DAERAH ISTIMEWA YOGYAKARTA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,971 1,589 2,198 1,372 1,628 975 835 648 426 195 180 235 170 192 102 175 120 80 32 6 13,129

1,971 3,560 5,758 7,130 8,758 9,733 10,568 11,216 11,642 11,837 12,017 12,252 12,422 12,614 12,716 12,891 13,011 13,091 13,123 13,129

15.01 15.01 12.10 27.12 16.74 43.86 10.45 54.31 12.40 66.71 7.43 74.13 6.36 80.49 4.94 85.43 3.24 88.67 1.49 90.16 1.37 91.53 1.79 93.32 1.29 94.61 1.46 96.08 0.78 96.85 1.33 98.19 0.91 99.10 0.61 99.71 0.24 99.95 0.05 100.00

766.48 233.16 598.68 597.54 1,095.35 1,009.63 1,018.41 1,121.63 1,010.36 633.16 626.85 1,115.15 713.91 1,224.27 617.52 2,184.26 1,119.05 855.43 440.45 32.23 17,013.54

766.48 999.64 1,598.32 2,195.85 3,291.21 4,300.84 5,319.25 6,440.88 7,451.24 8,084.41 8,711.26 9,826.40 10,540.32 11,764.59 12,382.11 14,566.37 15,685.43 16,540.86 16,981.31 17,013.54

4.51 4.51 1.37 5.88 3.52 9.39 3.51 12.91 6.44 19.34 5.93 25.28 5.99 31.26 6.59 37.86 5.94 43.80 3.72 47.52 3.68 51.20 6.55 57.76 4.20 61.95 7.20 69.15 3.63 72.78 12.84 85.62 6.58 92.19 5.03 97.22 2.59 99.81 0.19 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 9 4 8 12 12 2 11 2 2 2 0 2 2 0 2 6 0 8 2 0 86

9 13 21 33 45 47 58 60 62 64 64 66 68 68 70 76 76 84 86 86

10.47 10.47 4.65 15.12 9.30 24.42 13.95 38.37 13.95 52.33 2.33 54.65 12.79 67.44 2.33 69.77 2.33 72.09 2.33 74.42 0.00 74.42 2.33 76.74 2.33 79.07 0.00 79.07 2.33 81.40 6.98 88.37 0.00 88.37 9.30 97.67 2.33 100.00 0.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 460.21 0.94 54.68 128.21 53.73 74.39 741.98 25.00 100.00 3.05 0.00 24.07 3.36 0.00 23.09 19.82 0.00 229.60 437.64 0.00 2,379.77

460.21 461.15 515.82 644.03 697.76 772.15 1,514.13 1,539.13 1,639.13 1,642.18 1,642.18 1,666.25 1,669.61 1,669.61 1,692.70 1,712.52 1,712.52 1,942.12 2,379.77 2,379.77

19.34 19.34 0.04 19.38 2.30 21.68 5.39 27.06 2.26 29.32 3.13 32.45 31.18 63.63 1.05 64.68 4.20 68.88 0.13 69.01 0.00 69.01 1.01 70.02 0.14 70.16 0.00 70.16 0.97 71.13 0.83 71.96 0.00 71.96 9.65 81.61 18.39 100.00 0.00 100.00

60.04 0.40 9.13 21.46 4.91 7.37 72.86 2.23 9.90 0.48 0.00 2.16 0.47 0.00 3.74 0.91 0.00 26.84 99.36 0.00

60.04 46.13 32.27 29.33 21.20 17.95 28.47 23.90 22.00 20.31 18.85 16.96 15.84 14.19 13.67 11.76 10.92 11.74 14.01 13.99

13.99

Page 133 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 13 - JAWA TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 19,337 16,515 22,254 13,678 16,790 10,454 8,667 6,953 4,154 2,355 1,915 2,325 1,609 2,239 1,446 2,462 1,994 1,017 1,074 379 137,617

19,337 35,852 58,106 71,784 88,574 99,028 107,695 114,648 118,802 121,157 123,072 125,397 127,006 129,245 130,691 133,153 135,147 136,164 137,238 137,617

14.05 14.05 12.00 26.05 16.17 42.22 9.94 52.16 12.20 64.36 7.60 71.96 6.30 78.26 5.05 83.31 3.02 86.33 1.71 88.04 1.39 89.43 1.69 91.12 1.17 92.29 1.63 93.92 1.05 94.97 1.79 96.76 1.45 98.21 0.74 98.94 0.78 99.72 0.28 100.00

13,412.67 2,613.11 6,211.78 6,333.13 11,922.24 10,548.49 11,371.76 13,235.74 10,807.34 7,933.52 7,326.31 11,210.52 9,226.50 15,235.41 13,618.80 30,708.61 28,486.16 15,199.21 13,444.38 17,638.36 256,484.05

13,412.67 16,025.77 22,237.55 28,570.69 40,492.93 51,041.42 62,413.18 75,648.92 86,456.25 94,389.77 101,716.08 112,926.61 122,153.11 137,388.52 151,007.33 181,715.93 210,202.10 225,401.31 238,845.68 256,484.05

5.23 5.23 1.02 6.25 2.42 8.67 2.47 11.14 4.65 15.79 4.11 19.90 4.43 24.33 5.16 29.49 4.21 33.71 3.09 36.80 2.86 39.66 4.37 44.03 3.60 47.63 5.94 53.57 5.31 58.88 11.97 70.85 11.11 81.96 5.93 87.88 5.24 93.12 6.88 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

131 2 28 19 16 23 21 44 39 12 30 23 23 54 82 72 84 50 70 11

14,436.90 3.10 4,882.53 525.32 392.83 1,486.98 955.17 4,470.97 3,217.73 3,979.42 4,667.38 697.48 175.72 5,878.93 2,595.98 2,760.05 29,507.25 5,437.44 7,841.25 5,914.52

834

131 133 161 180 196 219 240 284 323 335 365 388 411 465 547 619 703 753 823 834

15.71 15.71 0.24 15.95 3.36 19.30 2.28 21.58 1.92 23.50 2.76 26.26 2.52 28.78 5.28 34.05 4.68 38.73 1.44 40.17 3.60 43.76 2.76 46.52 2.76 49.28 6.47 55.76 9.83 65.59 8.63 74.22 10.07 84.29 6.00 90.29 8.39 98.68 1.32 100.00

99,826.94

14,436.90 14,439.99 19,322.52 19,847.85 20,240.68 21,727.65 22,682.82 27,153.79 30,371.52 34,350.95 39,018.33 39,715.80 39,891.52 45,770.45 48,366.43 51,126.48 80,633.73 86,071.17 93,912.42 99,826.94

14.46 14.46 107.64 107.64 0.00 14.47 0.12 90.10 4.89 19.36 78.60 86.89 0.53 19.88 8.29 69.47 0.39 20.28 3.29 49.99 1.49 21.77 14.10 42.57 0.96 22.72 8.40 36.34 4.48 27.20 33.78 35.89 3.22 30.42 29.77 35.13 3.99 34.41 50.16 36.39 4.68 39.09 63.71 38.36 0.70 39.78 6.22 35.17 0.18 39.96 1.90 32.66 5.89 45.85 38.59 33.31 2.60 48.45 19.06 32.03 2.76 51.22 8.99 28.14 29.56 80.77 103.58 38.36 5.45 86.22 35.77 38.19 7.85 94.08 58.32 39.32 5.92 100.00 33.53 38.92 38.92

Page 134 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 14 - KALIMANTAN BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 8,210 8,355 10,365 3,982 3,348 1,257 843 651 429 241 200 205 117 200 88 216 161 72 92 13 39,045

8,210 16,565 26,930 30,912 34,260 35,517 36,360 37,011 37,440 37,681 37,881 38,086 38,203 38,403 38,491 38,707 38,868 38,940 39,032 39,045

21.03 21.03 21.40 42.43 26.55 68.97 10.20 79.17 8.57 87.74 3.22 90.96 2.16 93.12 1.67 94.79 1.10 95.89 0.62 96.51 0.51 97.02 0.53 97.54 0.30 97.84 0.51 98.36 0.23 98.58 0.55 99.13 0.41 99.55 0.18 99.73 0.24 99.97 0.03 100.00

3,591.56 4,062.17 9,456.02 6,428.74 7,893.39 3,849.49 3,233.80 2,837.71 1,670.46 1,050.97 1,017.22 1,074.56 781.37 1,390.58 901.29 2,938.79 2,481.16 1,617.77 1,623.38 487.15 58,387.56

3,591.56 7,653.73 17,109.75 23,538.49 31,431.88 35,281.37 38,515.17 41,352.88 43,023.34 44,074.31 45,091.53 46,166.08 46,947.45 48,338.03 49,239.32 52,178.11 54,659.26 56,277.03 57,900.42 58,387.56

6.15 6.15 6.96 13.11 16.20 29.30 11.01 40.31 13.52 53.83 6.59 60.43 5.54 65.96 4.86 70.82 2.86 73.69 1.80 75.49 1.74 77.23 1.84 79.07 1.34 80.41 2.38 82.79 1.54 84.33 5.03 89.37 4.25 93.61 2.77 96.39 2.78 99.17 0.83 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 60 60 56 26 24 7 10 13 2 3 0 0 0 3 0 14 0 4 9 4 295

60 120 176 202 226 233 243 256 258 261 261 261 261 264 264 278 278 282 291 295

20.34 20.34 20.34 40.68 18.98 59.66 8.81 68.47 8.14 76.61 2.37 78.98 3.39 82.37 4.41 86.78 0.68 87.46 1.02 88.47 0.00 88.47 0.00 88.47 0.00 88.47 1.02 89.49 0.00 89.49 4.75 94.24 0.00 94.24 1.36 95.59 3.05 98.64 1.36 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 3,247.57 1,989.15 2,987.06 1,915.55 2,006.24 764.19 981.89 1,368.57 12.86 615.21 0.00 0.00 0.00 68.47 0.00 9,312.80 0.00 143.95 529.65 31.37 25,974.53

3,247.57 5,236.72 8,223.79 10,139.33 12,145.57 12,909.76 13,891.65 15,260.23 15,273.08 15,888.29 15,888.29 15,888.29 15,888.29 15,956.77 15,956.77 25,269.57 25,269.57 25,413.51 25,943.16 25,974.53

12.50 12.50 90.42 7.66 20.16 48.97 11.50 31.66 31.59 7.37 39.04 29.80 7.72 46.76 25.42 2.94 49.70 19.85 3.78 53.48 30.36 5.27 58.75 48.23 0.05 58.80 0.77 2.37 61.17 58.54 0.00 61.17 0.00 0.00 61.17 0.00 0.00 61.17 0.00 0.26 61.43 4.92 0.00 61.43 0.00 35.85 97.29 316.89 0.00 97.29 0.00 0.55 97.84 8.90 2.04 99.88 32.63 0.12 100.00 6.44

90.42 68.42 48.06 43.08 38.64 36.59 36.07 36.90 35.50 36.05 35.24 34.42 33.84 33.01 32.41 48.43 46.23 45.16 44.81 44.49

44.49

Page 135 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 15 - KALIMANTAN TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,610 1,617 1,952 990 1,043 501 332 282 174 81 51 45 45 83 40 81 74 80 68 9 10,158

2,610 4,227 6,179 7,169 8,212 8,713 9,045 9,327 9,501 9,582 9,633 9,678 9,723 9,806 9,846 9,927 10,001 10,081 10,149 10,158

25.69 25.69 15.92 41.61 19.22 60.83 9.75 70.57 10.27 80.84 4.93 85.77 3.27 89.04 2.78 91.82 1.71 93.53 0.80 94.33 0.50 94.83 0.44 95.27 0.44 95.72 0.82 96.53 0.39 96.93 0.80 97.73 0.73 98.45 0.79 99.24 0.67 99.91 0.09 100.00

902.59 410.28 957.84 844.34 1,366.50 1,054.14 922.59 1,070.81 803.85 417.14 247.88 301.21 255.76 490.37 331.43 1,219.03 1,215.36 973.53 1,824.58 108.17 15,717.42

902.59 1,312.88 2,270.72 3,115.06 4,481.56 5,535.70 6,458.29 7,529.10 8,332.95 8,750.09 8,997.98 9,299.18 9,554.95 10,045.31 10,376.75 11,595.78 12,811.13 13,784.67 15,609.25 15,717.42

5.74 5.74 2.61 8.35 6.09 14.45 5.37 19.82 8.69 28.51 6.71 35.22 5.87 41.09 6.81 47.90 5.11 53.02 2.65 55.67 1.58 57.25 1.92 59.16 1.63 60.79 3.12 63.91 2.11 66.02 7.76 73.78 7.73 81.51 6.19 87.70 11.61 99.31 0.69 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 5 2 6 2 2 3 2 0 3 0 0 0 0 0 5 0 14 2 3 0 49

5 7 13 15 17 20 22 22 25 25 25 25 25 25 30 30 44 46 49 49

10.20 10.20 4.08 14.29 12.24 26.53 4.08 30.61 4.08 34.69 6.12 40.82 4.08 44.90 0.00 44.90 6.12 51.02 0.00 51.02 0.00 51.02 0.00 51.02 0.00 51.02 0.00 51.02 10.20 61.22 0.00 61.22 28.57 89.80 4.08 93.88 6.12 100.00 0.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 160.92 18.43 295.42 167.54 3.36 145.37 607.67 0.00 6.49 0.00 0.00 0.00 0.00 0.00 117.47 0.00 338.70 17.58 24.62 0.00 1,903.59

160.92 179.35 474.77 642.32 645.67 791.05 1,398.72 1,398.72 1,405.21 1,405.21 1,405.21 1,405.21 1,405.21 1,405.21 1,522.68 1,522.68 1,861.39 1,878.97 1,903.59 1,903.59

8.45 8.45 0.97 9.42 15.52 24.94 8.80 33.74 0.18 33.92 7.64 41.56 31.92 73.48 0.00 73.48 0.34 73.82 0.00 73.82 0.00 73.82 0.00 73.82 0.00 73.82 0.00 73.82 6.17 79.99 0.00 79.99 17.79 97.78 0.92 98.71 1.29 100.00 0.00 100.00

17.83 4.49 30.84 19.84 0.25 13.79 65.87 0.00 0.81 0.00 0.00 0.00 0.00 0.00 35.44 0.00 27.87 1.81 1.35 0.00

17.83 13.66 20.91 20.62 14.41 14.29 21.66 18.58 16.86 16.06 15.62 15.11 14.71 13.99 14.67 13.13 14.53 13.63 12.20 12.11

12.11

Page 136 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 16 - KALIMANTAN SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,974 3,009 3,876 1,990 2,013 1,079 610 481 319 184 136 167 114 176 103 209 165 86 82 41 17,814

2,974 5,983 9,859 11,849 13,862 14,941 15,551 16,032 16,351 16,535 16,671 16,838 16,952 17,128 17,231 17,440 17,605 17,691 17,773 17,814

16.69 16.69 16.89 33.59 21.76 55.34 11.17 66.52 11.30 77.82 6.06 83.87 3.42 87.30 2.70 90.00 1.79 91.79 1.03 92.82 0.76 93.58 0.94 94.52 0.64 95.16 0.99 96.15 0.58 96.73 1.17 97.90 0.93 98.83 0.48 99.31 0.46 99.77 0.23 100.00

1,489.25 566.22 1,222.61 1,125.42 1,836.21 1,605.20 1,441.62 1,375.18 1,035.75 846.77 638.79 776.84 706.82 1,269.72 992.01 1,998.16 2,330.88 1,296.80 1,623.09 547.54 24,724.89

1,489.25 2,055.47 3,278.08 4,403.50 6,239.72 7,844.92 9,286.53 10,661.71 11,697.46 12,544.24 13,183.02 13,959.86 14,666.68 15,936.40 16,928.41 18,926.57 21,257.46 22,554.26 24,177.35 24,724.89

6.02 6.02 2.29 8.31 4.94 13.26 4.55 17.81 7.43 25.24 6.49 31.73 5.83 37.56 5.56 43.12 4.19 47.31 3.42 50.74 2.58 53.32 3.14 56.46 2.86 59.32 5.14 64.45 4.01 68.47 8.08 76.55 9.43 85.98 5.24 91.22 6.56 97.79 2.21 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 8 6 2 8 0 2 8 0 4 0 0 0 0 0 4 6 0 0 14 14 76

8 14 16 24 24 26 34 34 38 38 38 38 38 38 42 48 48 48 62 76

10.53 10.53 7.89 18.42 2.63 21.05 10.53 31.58 0.00 31.58 2.63 34.21 10.53 44.74 0.00 44.74 5.26 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 5.26 55.26 7.89 63.16 0.00 63.16 0.00 63.16 18.42 81.58 18.42 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 114.77 64.39 144.29 43.90 0.00 2.25 26.12 0.00 231.71 0.00 0.00 0.00 0.00 0.00 761.65 1,214.55 0.00 0.00 600.89 362.83 3,567.34

114.77 179.15 323.44 367.34 367.34 369.58 395.71 395.71 627.41 627.41 627.41 627.41 627.41 627.41 1,389.06 2,603.62 2,603.62 2,603.62 3,204.51 3,567.34

3.22 3.22 1.80 5.02 4.04 9.07 1.23 10.30 0.00 10.30 0.06 10.36 0.73 11.09 0.00 11.09 6.50 17.59 0.00 17.59 0.00 17.59 0.00 17.59 0.00 17.59 0.00 17.59 21.35 38.94 34.05 72.98 0.00 72.98 0.00 72.98 16.84 89.83 10.17 100.00

7.71 11.37 11.80 3.90 0.00 0.14 1.81 0.00 22.37 0.00 0.00 0.00 0.00 0.00 76.78 60.78 0.00 0.00 37.02 66.27

7.71 8.72 9.87 8.34 5.89 4.71 4.26 3.71 5.36 5.00 4.76 4.49 4.28 3.94 8.21 13.76 12.25 11.54 13.25 14.43

14.43

Page 137 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 17 - KALIMANTAN TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,764 3,385 5,448 3,563 4,156 2,223 1,568 1,345 699 397 284 314 273 298 201 347 305 179 265 101 29,115

3,764 7,149 12,597 16,160 20,316 22,539 24,107 25,452 26,151 26,548 26,832 27,146 27,419 27,717 27,918 28,265 28,570 28,749 29,014 29,115

12.93 12.93 11.63 24.55 18.71 43.27 12.24 55.50 14.27 69.78 7.64 77.41 5.39 82.80 4.62 87.42 2.40 89.82 1.36 91.18 0.98 92.16 1.08 93.24 0.94 94.17 1.02 95.20 0.69 95.89 1.19 97.08 1.05 98.13 0.61 98.74 0.91 99.65 0.35 100.00

2,973.68 805.71 2,124.87 2,214.18 4,423.31 3,613.24 3,892.37 4,265.56 2,721.17 1,712.14 1,496.92 2,045.25 1,671.65 2,291.49 1,584.62 3,350.65 3,859.85 2,127.57 4,130.56 3,238.45 54,543.24

2,973.68 3,779.39 5,904.25 8,118.43 12,541.74 16,154.98 20,047.34 24,312.90 27,034.07 28,746.21 30,243.13 32,288.38 33,960.03 36,251.53 37,836.15 41,186.80 45,046.66 47,174.22 51,304.78 54,543.24

5.45 5.45 1.48 6.93 3.90 10.82 4.06 14.88 8.11 22.99 6.62 29.62 7.14 36.75 7.82 44.58 4.99 49.56 3.14 52.70 2.74 55.45 3.75 59.20 3.06 62.26 4.20 66.46 2.91 69.37 6.14 75.51 7.08 82.59 3.90 86.49 7.57 94.06 5.94 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 20 2 24 9 13 2 0 2 8 4 9 4 0 2 5 6 2 6 26 10 154

20 22 46 55 68 70 70 72 80 84 93 97 97 99 104 110 112 118 144 154

12.99 12.99 1.30 14.29 15.58 29.87 5.84 35.71 8.44 44.16 1.30 45.45 0.00 45.45 1.30 46.75 5.19 51.95 2.60 54.55 5.84 60.39 2.60 62.99 0.00 62.99 1.30 64.29 3.25 67.53 3.90 71.43 1.30 72.73 3.90 76.62 16.88 93.51 6.49 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,852.91 12.56 811.06 192.39 846.50 200.00 0.00 100.89 1,134.27 128.44 4,709.90 8.59 0.00 340.83 268.28 116.84 7.37 1,996.34 12,103.17 1,267.57 26,097.93

1,852.91 1,865.48 2,676.53 2,868.92 3,715.43 3,915.43 3,915.43 4,016.32 5,150.59 5,279.03 9,988.93 9,997.52 9,997.52 10,338.35 10,606.63 10,723.48 10,730.85 12,727.19 24,830.36 26,097.93

7.10 7.10 62.31 0.05 7.15 1.56 3.11 10.26 38.17 0.74 10.99 8.69 3.24 14.24 19.14 0.77 15.00 5.54 0.00 15.00 0.00 0.39 15.39 2.37 4.35 19.74 41.68 0.49 20.23 7.50 18.05 38.27 314.64 0.03 38.31 0.42 0.00 38.31 0.00 1.31 39.61 14.87 1.03 40.64 16.93 0.45 41.09 3.49 0.03 41.12 0.19 7.65 48.77 93.83 46.38 95.14 293.02 4.86 100.00 39.14

62.31 49.36 45.33 35.34 29.62 24.24 19.53 16.52 19.05 18.36 33.03 30.96 29.44 28.52 28.03 26.04 23.82 26.98 48.40 47.85

47.85

Page 138 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 18 - SULAWESI UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,482 1,578 2,883 2,055 2,150 1,135 834 668 429 236 154 188 104 197 92 129 83 23 38 9 14,467

1,482 3,060 5,943 7,998 10,148 11,283 12,117 12,785 13,214 13,450 13,604 13,792 13,896 14,093 14,185 14,314 14,397 14,420 14,458 14,467

10.24 10.24 10.91 21.15 19.93 41.08 14.20 55.28 14.86 70.15 7.85 77.99 5.76 83.76 4.62 88.37 2.97 91.34 1.63 92.97 1.06 94.03 1.30 95.33 0.72 96.05 1.36 97.41 0.64 98.05 0.89 98.94 0.57 99.52 0.16 99.68 0.26 99.94 0.06 100.00

733.82 309.40 943.86 1,042.63 1,880.66 1,679.42 1,793.57 2,030.12 1,670.26 1,147.11 928.58 1,093.51 703.96 1,948.13 901.23 1,916.13 1,506.03 324.79 377.67 132.65 23,063.52

733.82 1,043.22 1,987.08 3,029.71 4,910.36 6,589.78 8,383.35 10,413.47 12,083.73 13,230.84 14,159.42 15,252.93 15,956.90 17,905.02 18,806.25 20,722.37 22,228.41 22,553.19 22,930.86 23,063.52

3.18 3.18 1.34 4.52 4.09 8.62 4.52 13.14 8.15 21.29 7.28 28.57 7.78 36.35 8.80 45.15 7.24 52.39 4.97 57.37 4.03 61.39 4.74 66.13 3.05 69.19 8.45 77.63 3.91 81.54 8.31 89.85 6.53 96.38 1.41 97.79 1.64 99.42 0.58 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 2 3 0 10 2 1 0 2 2 0 0 0 4 2 2 0 0 0 0 30

0 2 5 5 15 17 18 18 20 22 22 22 22 26 28 30 30 30 30 30

0.00 6.67 10.00 0.00 33.33 6.67 3.33 0.00 6.67 6.67 0.00 0.00 0.00 13.33 6.67 6.67 0.00 0.00 0.00 0.00

0.00 6.67 16.67 16.67 50.00 56.67 60.00 60.00 66.67 73.33 73.33 73.33 73.33 86.67 93.33 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 33.16 209.01 0.00 290.71 492.74 0.00 0.00 608.56 6.65 0.00 0.00 0.00 593.04 0.00 32.24 0.00 0.00 0.00 0.00 2,266.11

0.00 33.16 242.17 242.17 532.88 1,025.63 1,025.63 1,025.63 1,634.19 1,640.83 1,640.83 1,640.83 1,640.83 2,233.87 2,233.87 2,266.11 2,266.11 2,266.11 2,266.11 2,266.11

0.00 1.46 9.22 0.00 12.83 21.74 0.00 0.00 26.85 0.29 0.00 0.00 0.00 26.17 0.00 1.42 0.00 0.00 0.00 0.00

0.00 1.46 10.69 10.69 23.52 45.26 45.26 45.26 72.11 72.41 72.41 72.41 72.41 98.58 98.58 100.00 100.00 100.00 100.00 100.00

0.00 10.72 22.14 0.00 15.46 29.34 0.00 0.00 36.43 0.58 0.00 0.00 0.00 30.44 0.00 1.68 0.00 0.00 0.00 0.00

0.00 3.18 12.19 7.99 10.85 15.56 12.23 9.85 13.52 12.40 11.59 10.76 10.28 12.48 11.88 10.94 10.19 10.05 9.88 9.83

9.83

Page 139 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 19 - SULAWESI TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,498 1,311 1,649 1,063 1,057 543 428 317 178 97 60 85 56 81 21 40 33 21 8 3 8,549

1,498 2,809 4,458 5,521 6,578 7,121 7,549 7,866 8,044 8,141 8,201 8,286 8,342 8,423 8,444 8,484 8,517 8,538 8,546 8,549

17.52 17.52 15.34 32.86 19.29 52.15 12.43 64.58 12.36 76.94 6.35 83.30 5.01 88.30 3.71 92.01 2.08 94.09 1.13 95.23 0.70 95.93 0.99 96.92 0.66 97.58 0.95 98.53 0.25 98.77 0.47 99.24 0.39 99.63 0.25 99.87 0.09 99.96 0.04 100.00

309.41 328.64 731.23 845.67 1,450.68 1,247.82 1,408.11 1,430.76 1,081.23 795.45 514.64 712.43 509.98 451.28 354.98 724.30 503.12 295.59 276.81 15.76 13,987.89

309.41 638.05 1,369.28 2,214.95 3,665.64 4,913.46 6,321.57 7,752.33 8,833.56 9,629.00 10,143.65 10,856.07 11,366.05 11,817.33 12,172.31 12,896.60 13,399.72 13,695.31 13,972.12 13,987.89

2.21 2.21 2.35 4.56 5.23 9.79 6.05 15.83 10.37 26.21 8.92 35.13 10.07 45.19 10.23 55.42 7.73 63.15 5.69 68.84 3.68 72.52 5.09 77.61 3.65 81.26 3.23 84.48 2.54 87.02 5.18 92.20 3.60 95.80 2.11 97.91 1.98 99.89 0.11 100.00

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

2 2 2 2 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4

50.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

50.00 50.00 50.00 50.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 4.50 0.00 0.00 0.00 4.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.50

4.50 4.50 4.50 4.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50 8.50

52.94 0.00 0.00 0.00 47.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

52.94 52.94 52.94 52.94 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

1.45 0.00 0.00 0.00 0.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1.45 0.71 0.33 0.20 0.23 0.17 0.13 0.11 0.10 0.09 0.08 0.08 0.07 0.07 0.07 0.07 0.06 0.06 0.06 0.06

0.06

Page 140 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 20 - SULAWESI SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,686 4,966 7,403 4,276 4,555 2,383 1,437 1,238 713 366 312 333 229 309 188 289 245 128 135 36 34,227

4,686 9,652 17,055 21,331 25,886 28,269 29,706 30,944 31,657 32,023 32,335 32,668 32,897 33,206 33,394 33,683 33,928 34,056 34,191 34,227

13.69 13.69 14.51 28.20 21.63 49.83 12.49 62.32 13.31 75.63 6.96 82.59 4.20 86.79 3.62 90.41 2.08 92.49 1.07 93.56 0.91 94.47 0.97 95.45 0.67 96.11 0.90 97.02 0.55 97.57 0.84 98.41 0.72 99.13 0.37 99.50 0.39 99.89 0.11 100.00

2,103.25 895.10 2,278.69 (2,607.44) 4,463.06 3,605.70 2,836.59 3,420.47 2,464.13 1,447.13 1,402.41 1,946.10 1,550.97 2,304.25 1,878.26 3,905.17 3,335.51 1,867.69 3,286.99 2,379.08 44,763.09

2,103.25 2,998.34 5,277.03 2,669.60 7,132.66 10,738.35 13,574.94 16,995.41 19,459.54 20,906.67 22,309.08 24,255.18 25,806.15 28,110.40 29,988.66 33,893.83 37,229.34 39,097.02 42,384.01 44,763.09

4.70 4.70 2.00 6.70 5.09 11.79 (5.82) 5.96 9.97 15.93 8.06 23.99 6.34 30.33 7.64 37.97 5.50 43.47 3.23 46.71 3.13 49.84 4.35 54.19 3.46 57.65 5.15 62.80 4.20 66.99 8.72 75.72 7.45 83.17 4.17 87.34 7.34 94.69 5.31 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 6 4 4 12 0 7 2 0 0 0 0 2 3 0 6 5 6 0 5 66

4 10 14 18 30 30 37 39 39 39 39 39 41 44 44 50 55 61 61 66

6.06 6.06 9.09 15.15 6.06 21.21 6.06 27.27 18.18 45.45 0.00 45.45 10.61 56.06 3.03 59.09 0.00 59.09 0.00 59.09 0.00 59.09 0.00 59.09 3.03 62.12 4.55 66.67 0.00 66.67 9.09 75.76 7.58 83.33 9.09 92.42 0.00 92.42 7.58 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,676.00 98.72 249.70 3.72 510.29 0.00 236.78 17.12 0.00 0.00 0.00 0.00 43.62 409.43 0.00 33.85 1,061.82 1,454.90 0.00 17.42 6,813.38

2,676.00 2,774.73 3,024.43 3,028.15 3,538.44 3,538.44 3,775.22 3,792.34 3,792.34 3,792.34 3,792.34 3,792.34 3,835.96 4,245.39 4,245.39 4,279.24 5,341.06 6,795.96 6,795.96 6,813.38

39.28 39.28 127.23 127.23 1.45 40.72 11.03 92.54 3.66 44.39 10.96 57.31 0.05 44.44 (0.14) 113.43 7.49 51.93 11.43 49.61 0.00 51.93 0.00 32.95 3.48 55.41 8.35 27.81 0.25 55.66 0.50 22.31 0.00 55.66 0.00 19.49 0.00 55.66 0.00 18.14 0.00 55.66 0.00 17.00 0.00 55.66 0.00 15.64 0.64 56.30 2.81 14.86 6.01 62.31 17.77 15.10 0.00 62.31 0.00 14.16 0.50 62.81 0.87 12.63 15.58 78.39 31.83 14.35 21.35 99.74 77.90 17.38 0.00 99.74 0.00 16.03 0.26 100.00 0.73 15.22 15.22

Page 141 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 21 - SULAWESI TENGGARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 762 627 916 622 695 409 230 183 97 58 53 73 28 50 10 19 27 3 8 7 4,877

762 1,389 2,305 2,927 3,622 4,031 4,261 4,444 4,541 4,599 4,652 4,725 4,753 4,803 4,813 4,832 4,859 4,862 4,870 4,877

15.62 15.62 12.86 28.48 18.78 47.26 12.75 60.02 14.25 74.27 8.39 82.65 4.72 87.37 3.75 91.12 1.99 93.11 1.19 94.30 1.09 95.39 1.50 96.88 0.57 97.46 1.03 98.48 0.21 98.69 0.39 99.08 0.55 99.63 0.06 99.69 0.16 99.86 0.14 100.00

286.89 143.81 294.38 389.78 758.58 774.31 576.93 687.38 364.29 259.36 257.34 403.77 267.57 424.49 134.34 227.69 460.62 54.91 61.82 163.74 6,992.00

286.89 430.70 725.07 1,114.85 1,873.43 2,647.74 3,224.67 3,912.04 4,276.34 4,535.70 4,793.04 5,196.81 5,464.38 5,888.88 6,023.21 6,250.90 6,711.52 6,766.44 6,828.26 6,992.00

4.10 4.10 2.06 6.16 4.21 10.37 5.57 15.94 10.85 26.79 11.07 37.87 8.25 46.12 9.83 55.95 5.21 61.16 3.71 64.87 3.68 68.55 5.77 74.33 3.83 78.15 6.07 84.22 1.92 86.14 3.26 89.40 6.59 95.99 0.79 96.77 0.88 97.66 2.34 100.00

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 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 142 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 22 - BALI

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,507 2,905 4,315 2,745 3,619 2,319 2,164 1,956 1,386 841 594 772 424 497 367 473 395 138 195 54 30,666

4,507 7,412 11,727 14,472 18,091 20,410 22,574 24,530 25,916 26,757 27,351 28,123 28,547 29,044 29,411 29,884 30,279 30,417 30,612 30,666

14.70 14.70 9.47 24.17 14.07 38.24 8.95 47.19 11.80 58.99 7.56 66.56 7.06 73.61 6.38 79.99 4.52 84.51 2.74 87.25 1.94 89.19 2.52 91.71 1.38 93.09 1.62 94.71 1.20 95.91 1.54 97.45 1.29 98.74 0.45 99.19 0.64 99.82 0.18 100.00

2,504.39 520.20 1,375.21 1,388.63 2,962.57 2,772.09 3,400.27 4,406.55 4,201.30 3,023.10 2,650.81 3,802.15 2,566.88 3,621.87 3,420.68 5,886.13 4,707.39 1,782.34 2,875.84 1,218.72 59,087.10

2,504.39 3,024.59 4,399.79 5,788.42 8,750.99 11,523.08 14,923.35 19,329.90 23,531.20 26,554.30 29,205.10 33,007.26 35,574.14 39,196.01 42,616.68 48,502.81 53,210.19 54,992.53 57,868.37 59,087.10

4.24 4.24 0.88 5.12 2.33 7.45 2.35 9.80 5.01 14.81 4.69 19.50 5.75 25.26 7.46 32.71 7.11 39.82 5.12 44.94 4.49 49.43 6.43 55.86 4.34 60.21 6.13 66.34 5.79 72.13 9.96 82.09 7.97 90.05 3.02 93.07 4.87 97.94 2.06 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 39 2 6 2 7 12 10 14 8 24 12 8 8 25 16 8 33 9 37 9 289

39 41 47 49 56 68 78 92 100 124 136 144 152 177 193 201 234 243 280 289

13.49 13.49 0.69 14.19 2.08 16.26 0.69 16.96 2.42 19.38 4.15 23.53 3.46 26.99 4.84 31.83 2.77 34.60 8.30 42.91 4.15 47.06 2.77 49.83 2.77 52.60 8.65 61.25 5.54 66.78 2.77 69.55 11.42 80.97 3.11 84.08 12.80 96.89 3.11 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 5,215.71 344.55 13.45 21.56 88.89 117.31 321.77 28.59 30.95 273.89 44.72 51.75 160.43 4,192.18 716.40 197.60 2,893.75 32.18 873.81 41.43 15,660.90

5,215.71 5,560.26 5,573.71 5,595.27 5,684.16 5,801.47 6,123.24 6,151.83 6,182.78 6,456.67 6,501.39 6,553.14 6,713.57 10,905.74 11,622.14 11,819.74 14,713.48 14,745.66 15,619.47 15,660.90

33.30 33.30 208.26 208.26 2.20 35.50 66.23 183.84 0.09 35.59 0.98 126.68 0.14 35.73 1.55 96.66 0.57 36.30 3.00 64.95 0.75 37.04 4.23 50.35 2.05 39.10 9.46 41.03 0.18 39.28 0.65 31.83 0.20 39.48 0.74 26.27 1.75 41.23 9.06 24.31 0.29 41.51 1.69 22.26 0.33 41.84 1.36 19.85 1.02 42.87 6.25 18.87 26.77 69.64 115.75 27.82 4.57 74.21 20.94 27.27 1.26 75.47 3.36 24.37 18.48 93.95 61.47 27.65 0.21 94.16 1.81 26.81 5.58 99.74 30.38 26.99 0.26 100.00 3.40 26.50 26.50

Page 143 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 23 - NUSA TENGGARA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,403 1,464 1,881 940 1,056 489 319 314 139 103 76 112 65 69 39 70 56 16 23 8 8,642

1,403 2,867 4,748 5,688 6,744 7,233 7,552 7,866 8,005 8,108 8,184 8,296 8,361 8,430 8,469 8,539 8,595 8,611 8,634 8,642

16.23 16.23 16.94 33.18 21.77 54.94 10.88 65.82 12.22 78.04 5.66 83.70 3.69 87.39 3.63 91.02 1.61 92.63 1.19 93.82 0.88 94.70 1.30 96.00 0.75 96.75 0.80 97.55 0.45 98.00 0.81 98.81 0.65 99.46 0.19 99.64 0.27 99.91 0.09 100.00

350.90 320.22 837.70 736.64 1,084.71 825.63 709.70 821.32 601.03 484.68 338.70 577.95 451.35 512.85 347.65 915.49 535.75 221.83 320.60 434.40 11,429.08

350.90 671.12 1,508.83 2,245.46 3,330.17 4,155.80 4,865.50 5,686.82 6,287.85 6,772.53 7,111.22 7,689.17 8,140.52 8,653.37 9,001.02 9,916.50 10,452.26 10,674.09 10,994.69 11,429.08

3.07 3.07 2.80 5.87 7.33 13.20 6.45 19.65 9.49 29.14 7.22 36.36 6.21 42.57 7.19 49.76 5.26 55.02 4.24 59.26 2.96 62.22 5.06 67.28 3.95 71.23 4.49 75.71 3.04 78.76 8.01 86.77 4.69 91.45 1.94 93.39 2.81 96.20 3.80 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 2 0 2 2 0 0 0 0 2 0 0 2 0 0 3 0 5 2 0 22

2 4 4 6 8 8 8 8 8 10 10 10 12 12 12 15 15 20 22 22

9.09 9.09 9.09 18.18 0.00 18.18 9.09 27.27 9.09 36.36 0.00 36.36 0.00 36.36 0.00 36.36 0.00 36.36 9.09 45.45 0.00 45.45 0.00 45.45 9.09 54.55 0.00 54.55 0.00 54.55 13.64 68.18 0.00 68.18 22.73 90.91 9.09 100.00 0.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 42.12 1.34 0.00 15.30 1.34 0.00 0.00 0.00 0.00 8.58 0.00 0.00 4.45 0.00 0.00 364.31 0.00 346.10 176.92 0.00 960.47

42.12 43.46 43.46 58.76 60.11 60.11 60.11 60.11 60.11 68.69 68.69 68.69 73.14 73.14 73.14 437.45 437.45 783.55 960.47 960.47

4.39 4.39 12.00 0.14 4.53 0.42 0.00 4.53 0.00 1.59 6.12 2.08 0.14 6.26 0.12 0.00 6.26 0.00 0.00 6.26 0.00 0.00 6.26 0.00 0.00 6.26 0.00 0.89 7.15 1.77 0.00 7.15 0.00 0.00 7.15 0.00 0.46 7.61 0.98 0.00 7.61 0.00 0.00 7.61 0.00 37.93 45.55 39.79 0.00 45.55 0.00 36.03 81.58 156.02 18.42 100.00 55.18 0.00 100.00 0.00

12.00 6.48 2.88 2.62 1.80 1.45 1.24 1.06 0.96 1.01 0.97 0.89 0.90 0.85 0.81 4.41 4.19 7.34 8.74 8.40

8.40

Page 144 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 24 - NUSA TENGGARA TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 704 913 1,279 747 797 520 386 324 170 92 61 61 39 63 22 27 22 8 4 0 6,239

704 1,617 2,896 3,643 4,440 4,960 5,346 5,670 5,840 5,932 5,993 6,054 6,093 6,156 6,178 6,205 6,227 6,235 6,239 6,239

11.28 11.28 14.63 25.92 20.50 46.42 11.97 58.39 12.77 71.17 8.33 79.50 6.19 85.69 5.19 90.88 2.72 93.60 1.47 95.08 0.98 96.06 0.98 97.03 0.63 97.66 1.01 98.67 0.35 99.02 0.43 99.46 0.35 99.81 0.13 99.94 0.06 100.00 0.00 100.00

239.74 182.84 473.92 503.36 1,070.53 981.22 1,075.41 1,237.08 837.19 517.85 379.49 487.39 352.07 647.50 238.39 368.43 367.55 22.53 57.40 0.00 10,039.90

239.74 422.58 896.50 1,399.85 2,470.39 3,451.61 4,527.02 5,764.10 6,601.29 7,119.15 7,498.64 7,986.03 8,338.10 8,985.60 9,223.99 9,592.42 9,959.97 9,982.50 10,039.90 10,039.90

2.39 2.39 1.82 4.21 4.72 8.93 5.01 13.94 10.66 24.61 9.77 34.38 10.71 45.09 12.32 57.41 8.34 65.75 5.16 70.91 3.78 74.69 4.85 79.54 3.51 83.05 6.45 89.50 2.37 91.87 3.67 95.54 3.66 99.20 0.22 99.43 0.57 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 4 0 0 6 0 0 0 0 0 0 4 0 0 3 0 0 0 19

2 2 2 6 6 6 12 12 12 12 12 12 12 16 16 16 19 19 19 19

10.53 0.00 0.00 21.05 0.00 0.00 31.58 0.00 0.00 0.00 0.00 0.00 0.00 21.05 0.00 0.00 15.79 0.00 0.00 0.00

10.53 10.53 10.53 31.58 31.58 31.58 63.16 63.16 63.16 63.16 63.16 63.16 63.16 84.21 84.21 84.21 100.00 100.00 100.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 2,400.56 0.00 0.00 279.12 0.00 0.00 1,009.18 0.00 0.00 0.00 0.00 0.00 0.00 198.18 0.00 0.00 38.16 0.00 0.00 0.00 3,925.21

2,400.56 2,400.56 2,400.56 2,679.68 2,679.68 2,679.68 3,688.87 3,688.87 3,688.87 3,688.87 3,688.87 3,688.87 3,688.87 3,887.05 3,887.05 3,887.05 3,925.21 3,925.21 3,925.21 3,925.21

61.16 0.00 0.00 7.11 0.00 0.00 25.71 0.00 0.00 0.00 0.00 0.00 0.00 5.05 0.00 0.00 0.97 0.00 0.00 0.00

61.16 61.16 61.16 68.27 68.27 68.27 93.98 93.98 93.98 93.98 93.98 93.98 93.98 99.03 99.03 99.03 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012 LOSS RATIO PERCENTAGE BAND CUM. 1001.32 0.00 0.00 55.45 0.00 0.00 93.84 0.00 0.00 0.00 0.00 0.00 0.00 30.61 0.00 0.00 10.38 0.00 0.00 0.00

1001.32 568.07 267.77 191.43 108.47 77.64 81.49 64.00 55.88 51.82 49.19 46.19 44.24 43.26 42.14 40.52 39.41 39.32 39.10 39.10

39.10

Page 145 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 25 - MALUKU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 230 377 555 356 367 213 169 155 76 52 42 33 31 29 18 34 19 12 10 2 2,780

230 607 1,162 1,518 1,885 2,098 2,267 2,422 2,498 2,550 2,592 2,625 2,656 2,685 2,703 2,737 2,756 2,768 2,778 2,780

8.27 8.27 13.56 21.83 19.96 41.80 12.81 54.60 13.20 67.81 7.66 75.47 6.08 81.55 5.58 87.12 2.73 89.86 1.87 91.73 1.51 93.24 1.19 94.42 1.12 95.54 1.04 96.58 0.65 97.23 1.22 98.45 0.68 99.14 0.43 99.57 0.36 99.93 0.07 100.00

247.64 105.03 233.78 257.04 484.56 415.95 484.91 591.97 427.47 286.44 270.85 221.62 241.33 295.71 132.95 500.68 425.04 122.25 206.66 203.93 6,155.80

247.64 352.67 586.45 843.49 1,328.05 1,744.00 2,228.90 2,820.87 3,248.34 3,534.78 3,805.63 4,027.25 4,268.58 4,564.29 4,697.24 5,197.92 5,622.96 5,745.21 5,951.88 6,155.80

4.02 4.02 1.71 5.73 3.80 9.53 4.18 13.70 7.87 21.57 6.76 28.33 7.88 36.21 9.62 45.82 6.94 52.77 4.65 57.42 4.40 61.82 3.60 65.42 3.92 69.34 4.80 74.15 2.16 76.31 8.13 84.44 6.90 91.34 1.99 93.33 3.36 96.69 3.31 100.00

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

0 0 0 0 0 0 0 0 2 2 2 2 2 2 2 2 3 5 5 5

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 40.00 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 40.00 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 4.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 53.94 0.00 0.00 58.58

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.64 4.64 4.64 4.64 4.64 4.64 4.64 4.64 4.64 58.58 58.58 58.58

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.92 7.92 0.00 7.92 0.00 7.92 0.00 7.92 0.00 7.92 0.00 7.92 0.00 7.92 0.00 7.92 0.00 7.92 92.08 100.00 0.00 100.00 0.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 44.12 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.14 0.13 0.12 0.12 0.11 0.10 0.10 0.09 0.08 1.02 0.98 0.95

0.95

Page 146 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 26 - IRIAN JAYA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 710 714 1,309 1,007 1,276 701 533 399 268 135 109 117 88 103 54 59 50 16 28 2 7,678

710 1,424 2,733 3,740 5,016 5,717 6,250 6,649 6,917 7,052 7,161 7,278 7,366 7,469 7,523 7,582 7,632 7,648 7,676 7,678

9.25 9.25 9.30 18.55 17.05 35.60 13.12 48.71 16.62 65.33 9.13 74.46 6.94 81.40 5.20 86.60 3.49 90.09 1.76 91.85 1.42 93.27 1.52 94.79 1.15 95.94 1.34 97.28 0.70 97.98 0.77 98.75 0.65 99.40 0.21 99.61 0.36 99.97 0.03 100.00

374.11 195.90 538.92 679.49 1,674.92 1,515.40 1,626.56 1,669.77 1,760.69 1,042.51 857.21 1,110.61 1,065.63 1,239.37 800.05 1,010.53 764.10 396.81 484.40 193.89 19,000.89

374.11 570.01 1,108.94 1,788.43 3,463.35 4,978.75 6,605.31 8,275.09 10,035.77 11,078.28 11,935.50 13,046.10 14,111.74 15,351.11 16,151.16 17,161.70 17,925.79 18,322.60 18,807.00 19,000.89

1.97 1.97 1.03 3.00 2.84 5.84 3.58 9.41 8.81 18.23 7.98 26.20 8.56 34.76 8.79 43.55 9.27 52.82 5.49 58.30 4.51 62.82 5.85 68.66 5.61 74.27 6.52 80.79 4.21 85.00 5.32 90.32 4.02 94.34 2.09 96.43 2.55 98.98 1.02 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 2 2 2 2 0 6 0 4 0 0 0 0 0 0 0 0 0 0 18

0 0 2 4 6 8 8 14 14 18 18 18 18 18 18 18 18 18 18 18

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

0.00 0.00 11.11 22.22 33.33 44.44 44.44 77.78 77.78 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 74.25 337.48 24.09 6.20 0.00 505.23 0.00 229.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,176.43

0.00 0.00 74.25 411.73 435.82 442.02 442.02 947.25 947.25 1,176.43 1,176.43 1,176.43 1,176.43 1,176.43 1,176.43 1,176.43 1,176.43 1,176.43 1,176.43 1,176.43

0.00 0.00 6.31 28.69 2.05 0.53 0.00 42.95 0.00 19.48 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 6.31 35.00 37.05 37.57 37.57 80.52 80.52 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 13.78 49.67 1.44 0.41 0.00 30.26 0.00 21.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 6.70 23.02 12.58 8.88 6.69 11.45 9.44 10.62 9.86 9.02 8.34 7.66 7.28 6.85 6.56 6.42 6.26 6.19

6.19

Page 147 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 27 - MALUKU UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 101 144 238 153 196 110 98 93 62 34 17 21 19 17 4 3 9 4 2 1 1,326

101 245 483 636 832 942 1,040 1,133 1,195 1,229 1,246 1,267 1,286 1,303 1,307 1,310 1,319 1,323 1,325 1,326

7.62 7.62 10.86 18.48 17.95 36.43 11.54 47.96 14.78 62.75 8.30 71.04 7.39 78.43 7.01 85.44 4.68 90.12 2.56 92.68 1.28 93.97 1.58 95.55 1.43 96.98 1.28 98.27 0.30 98.57 0.23 98.79 0.68 99.47 0.30 99.77 0.15 99.92 0.08 100.00

55.58 41.33 115.19 123.40 280.11 248.79 341.62 543.50 464.17 294.00 192.69 186.94 156.14 188.81 50.78 142.83 233.42 80.87 38.02 7.27 3,785.45

55.58 96.91 212.10 335.50 615.60 864.39 1,206.01 1,749.52 2,213.69 2,507.68 2,700.37 2,887.31 3,043.45 3,232.25 3,283.04 3,425.87 3,659.29 3,740.16 3,778.18 3,785.45

1.47 1.47 1.09 2.56 3.04 5.60 3.26 8.86 7.40 16.26 6.57 22.83 9.02 31.86 14.36 46.22 12.26 58.48 7.77 66.25 5.09 71.34 4.94 76.27 4.12 80.40 4.99 85.39 1.34 86.73 3.77 90.50 6.17 96.67 2.14 98.80 1.00 99.81 0.19 100.00

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

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 376.97 100.00 100.00 134.58 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00 376.97 0.00 100.00 0.00

376.97

9.96

0.00 0.00 0.00 0.00 61.24 43.61 31.26 21.55 17.03 15.03 13.96 13.06 12.39 11.66 11.48 11.00 10.30 10.08 9.98 9.96

Page 148 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 28 - IRIAN JAYA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 126 257 510 310 356 180 137 106 81 47 32 47 23 18 17 23 11 4 2 0 2,287

126 383 893 1,203 1,559 1,739 1,876 1,982 2,063 2,110 2,142 2,189 2,212 2,230 2,247 2,270 2,281 2,285 2,287 2,287

5.51 5.51 11.24 16.75 22.30 39.05 13.55 52.60 15.57 68.17 7.87 76.04 5.99 82.03 4.63 86.66 3.54 90.21 2.06 92.26 1.40 93.66 2.06 95.71 1.01 96.72 0.79 97.51 0.74 98.25 1.01 99.26 0.48 99.74 0.17 99.91 0.09 100.00 0.00 100.00

23.69 44.40 170.18 168.02 360.86 366.57 405.65 391.57 413.45 334.06 225.04 667.87 212.37 189.25 208.67 452.74 87.23 69.10 71.42 0.00 4,862.13

23.69 68.09 238.27 406.28 767.14 1,133.71 1,539.36 1,930.93 2,344.38 2,678.43 2,903.47 3,571.35 3,783.72 3,972.96 4,181.63 4,634.37 4,721.60 4,790.71 4,862.13 4,862.13

0.49 0.49 0.91 1.40 3.50 4.90 3.46 8.36 7.42 15.78 7.54 23.32 8.34 31.66 8.05 39.71 8.50 48.22 6.87 55.09 4.63 59.72 13.74 73.45 4.37 77.82 3.89 81.71 4.29 86.00 9.31 95.32 1.79 97.11 1.42 98.53 1.47 100.00 0.00 100.00

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

0 2 2 2 2 6 6 6 6 6 6 6 6 8 8 8 8 8 8 8

0.00 25.00 0.00 0.00 0.00 50.00 0.00 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 25.00 25.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 27.54 0.00 0.00 0.00 437.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 97.73 0.00 0.00 0.00 0.00 0.00 0.00 563.17

0.00 27.54 27.54 27.54 27.54 465.44 465.44 465.44 465.44 465.44 465.44 465.44 465.44 563.17 563.17 563.17 563.17 563.17 563.17 563.17

0.00 4.89 0.00 0.00 0.00 77.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.35 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 4.89 62.02 4.89 0.00 4.89 0.00 4.89 0.00 82.65 119.46 82.65 0.00 82.65 0.00 82.65 0.00 82.65 0.00 82.65 0.00 82.65 0.00 82.65 0.00 100.00 51.64 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

0.00 40.44 11.56 6.78 3.59 41.05 30.24 24.10 19.85 17.38 16.03 13.03 12.30 14.18 13.47 12.15 11.93 11.76 11.58 11.58

11.58

Page 149 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 29 - BANTEN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,860 5,106 8,974 6,438 7,477 4,007 3,231 2,553 1,401 776 714 840 570 917 629 973 964 472 597 227 52,726

5,860 10,966 19,940 26,378 33,855 37,862 41,093 43,646 45,047 45,823 46,537 47,377 47,947 48,864 49,493 50,466 51,430 51,902 52,499 52,726

11.11 11.11 9.68 20.80 17.02 37.82 12.21 50.03 14.18 64.21 7.60 71.81 6.13 77.94 4.84 82.78 2.66 85.44 1.47 86.91 1.35 88.26 1.59 89.86 1.08 90.94 1.74 92.68 1.19 93.87 1.85 95.71 1.83 97.54 0.90 98.44 1.13 99.57 0.43 100.00

8,627.02 8,627.02 983.13 9,610.15 2,414.90 12,025.06 2,526.60 14,551.66 5,094.33 19,645.98 4,256.54 23,902.52 4,476.21 28,378.74 4,757.03 33,135.77 4,118.40 37,254.18 2,805.66 40,059.83 3,081.42 43,141.25 4,448.06 47,589.31 3,697.12 51,286.43 6,893.24 58,179.67 6,563.16 64,742.83 12,137.19 76,880.03 13,986.73 90,866.76 6,061.82 96,928.58 9,999.13 106,927.71 6,462.30 113,390.01 113,390.01

7.61 7.61 0.87 8.48 2.13 10.61 2.23 12.83 4.49 17.33 3.75 21.08 3.95 25.03 4.20 29.22 3.63 32.85 2.47 35.33 2.72 38.05 3.92 41.97 3.26 45.23 6.08 51.31 5.79 57.10 10.70 67.80 12.34 80.14 5.35 85.48 8.82 94.30 5.70 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 60 14 10 21 28 26 13 15 13 10 9 23 7 26 23 48 50 21 34 19 470

60 74 84 105 133 159 172 187 200 210 219 242 249 275 298 346 396 417 451 470

12.77 12.77 2.98 15.74 2.13 17.87 4.47 22.34 5.96 28.30 5.53 33.83 2.77 36.60 3.19 39.79 2.77 42.55 2.13 44.68 1.91 46.60 4.89 51.49 1.49 52.98 5.53 58.51 4.89 63.40 10.21 73.62 10.64 84.26 4.47 88.72 7.23 95.96 4.04 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 24,192.55 62.32 814.81 218.81 1,196.34 1,080.39 665.93 120.77 377.90 264.81 935.87 1,874.20 4,208.64 1,925.82 461.34 2,442.44 8,399.73 694.48 5,402.00 20,927.84 76,266.98

24,192.55 24,254.88 25,069.69 25,288.50 26,484.83 27,565.23 28,231.16 28,351.92 28,729.82 28,994.63 29,930.50 31,804.70 36,013.34 37,939.16 38,400.50 40,842.94 49,242.67 49,937.15 55,339.15 76,266.98

31.72 31.72 280.43 280.43 0.08 31.80 6.34 252.39 1.07 32.87 33.74 208.48 0.29 33.16 8.66 173.78 1.57 34.73 23.48 134.81 1.42 36.14 25.38 115.32 0.87 37.02 14.88 99.48 0.16 37.17 2.54 85.56 0.50 37.67 9.18 77.12 0.35 38.02 9.44 72.38 1.23 39.24 30.37 69.38 2.46 41.70 42.14 66.83 5.52 47.22 113.84 70.22 2.53 49.75 27.94 65.21 0.60 50.35 7.03 59.31 3.20 53.55 20.12 53.13 11.01 64.57 60.05 54.19 0.91 65.48 11.46 51.52 7.08 72.56 54.02 51.75 27.44 100.00 323.84 67.26 67.26

Page 150 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 30 - BANGKA BELITUNG

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 345 321 487 365 425 210 158 116 76 56 28 39 20 40 34 22 32 20 17 13 2,824

345 666 1,153 1,518 1,943 2,153 2,311 2,427 2,503 2,559 2,587 2,626 2,646 2,686 2,720 2,742 2,774 2,794 2,811 2,824

12.22 12.22 11.37 23.58 17.25 40.83 12.92 53.75 15.05 68.80 7.44 76.24 5.59 81.83 4.11 85.94 2.69 88.63 1.98 90.62 0.99 91.61 1.38 92.99 0.71 93.70 1.42 95.11 1.20 96.32 0.78 97.10 1.13 98.23 0.71 98.94 0.60 99.54 0.46 100.00

171.22 47.71 169.51 201.23 360.06 315.93 379.19 325.95 239.42 191.95 158.94 265.64 163.52 305.49 247.82 168.70 379.94 141.27 110.78 63.05 4,407.32

171.22 218.93 388.43 589.67 949.73 1,265.66 1,644.85 1,970.80 2,210.23 2,402.18 2,561.12 2,826.76 2,990.28 3,295.76 3,543.59 3,712.29 4,092.23 4,233.50 4,344.27 4,407.32

3.88 3.88 1.08 4.97 3.85 8.81 4.57 13.38 8.17 21.55 7.17 28.72 8.60 37.32 7.40 44.72 5.43 50.15 4.36 54.50 3.61 58.11 6.03 64.14 3.71 67.85 6.93 74.78 5.62 80.40 3.83 84.23 8.62 92.85 3.21 96.06 2.51 98.57 1.43 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 2 0 0 0 0 0 0 0 0 0 0 0 0 2 0 0 3 0 0 9

2 4 4 4 4 4 4 4 4 4 4 4 4 4 6 6 6 9 9 9

22.22 22.22 22.22 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 22.22 66.67 0.00 66.67 0.00 66.67 33.33 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 0.00 455.69 0.00 0.00 393.37 0.00 0.00 849.07

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 455.69 455.69 455.69 849.07 849.07 849.07

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 53.67 53.67 183.88 0.00 53.67 0.00 0.00 53.67 0.00 46.33 100.00 278.46 0.00 100.00 0.00 0.00 100.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.86 12.28 11.14 20.06 19.54 19.26

19.26

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RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 31 - GORONTALO

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 257 304 523 378 388 198 124 107 62 34 32 30 19 20 12 15 23 9 1 1 2,537

257 561 1,084 1,462 1,850 2,048 2,172 2,279 2,341 2,375 2,407 2,437 2,456 2,476 2,488 2,503 2,526 2,535 2,536 2,537

10.13 10.13 11.98 22.11 20.61 42.73 14.90 57.63 15.29 72.92 7.80 80.73 4.89 85.61 4.22 89.83 2.44 92.27 1.34 93.61 1.26 94.88 1.18 96.06 0.75 96.81 0.79 97.60 0.47 98.07 0.59 98.66 0.91 99.57 0.35 99.92 0.04 99.96 0.04 100.00

164.29 117.37 226.77 198.56 295.01 313.11 301.21 336.88 314.59 178.02 230.23 246.89 196.95 156.73 163.37 254.10 152.33 61.54 32.33 0.17 3,940.46

164.29 281.66 508.42 706.99 1,002.00 1,315.11 1,616.32 1,953.20 2,267.79 2,445.81 2,676.04 2,922.93 3,119.88 3,276.61 3,439.99 3,694.09 3,846.42 3,907.95 3,940.29 3,940.46

4.17 4.17 2.98 7.15 5.75 12.90 5.04 17.94 7.49 25.43 7.95 33.37 7.64 41.02 8.55 49.57 7.98 57.55 4.52 62.07 5.84 67.91 6.27 74.18 5.00 79.18 3.98 83.15 4.15 87.30 6.45 93.75 3.87 97.61 1.56 99.18 0.82 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 6 0 0 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9

0 0 6 6 6 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9

0.00 0.00 66.67 0.00 0.00 33.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 66.67 66.67 66.67 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 4.27 0.00 0.00 8.42 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 12.68

0.00 0.00 4.27 4.27 4.27 12.68 12.68 12.68 12.68 12.68 12.68 12.68 12.68 12.68 12.68 12.68 12.68 12.68 12.68 12.68

0.00 0.00 33.65 0.00 0.00 66.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 33.65 33.65 33.65 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 1.88 0.00 0.00 2.69 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 0.84 0.60 0.43 0.96 0.78 0.65 0.56 0.52 0.47 0.43 0.41 0.39 0.37 0.34 0.33 0.32 0.32 0.32

0.32

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RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2010 32 - KEPULAUAN RIAU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,686 1,945 3,629 2,415 2,811 1,316 793 620 340 210 156 166 118 167 74 164 189 76 107 41 17,023

1,686 3,631 7,260 9,675 12,486 13,802 14,595 15,215 15,555 15,765 15,921 16,087 16,205 16,372 16,446 16,610 16,799 16,875 16,982 17,023

9.90 9.90 11.43 21.33 21.32 42.65 14.19 56.83 16.51 73.35 7.73 81.08 4.66 85.74 3.64 89.38 2.00 91.38 1.23 92.61 0.92 93.53 0.98 94.50 0.69 95.19 0.98 96.18 0.43 96.61 0.96 97.57 1.11 98.68 0.45 99.13 0.63 99.76 0.24 100.00

2,548.38 328.46 953.07 1,433.83 2,870.29 2,044.93 1,702.06 1,722.81 1,166.42 906.66 754.04 923.00 822.34 1,160.02 773.92 2,144.68 2,644.49 1,017.53 1,343.00 649.39 27,909.31

2,548.38 2,876.84 3,829.91 5,263.74 8,134.04 10,178.97 11,881.02 13,603.83 14,770.25 15,676.91 16,430.95 17,353.95 18,176.29 19,336.31 20,110.22 22,254.90 24,899.39 25,916.92 27,259.92 27,909.31

9.13 9.13 1.18 10.31 3.41 13.72 5.14 18.86 10.28 29.14 7.33 36.47 6.10 42.57 6.17 48.74 4.18 52.92 3.25 56.17 2.70 58.87 3.31 62.18 2.95 65.13 4.16 69.28 2.77 72.06 7.68 79.74 9.48 89.22 3.65 92.86 4.81 97.67 2.33 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 10 0 4 0 5 4 6 5 0 0 0 2 0 3 4 2 5 2 11 0 63

10 10 14 14 19 23 29 34 34 34 34 36 36 39 43 45 50 52 63 63

15.87 15.87 0.00 15.87 6.35 22.22 0.00 22.22 7.94 30.16 6.35 36.51 9.52 46.03 7.94 53.97 0.00 53.97 0.00 53.97 0.00 53.97 3.17 57.14 0.00 57.14 4.76 61.90 6.35 68.25 3.17 71.43 7.94 79.37 3.17 82.54 17.46 100.00 0.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 534.42 0.00 34.73 0.00 38.56 43.99 754.69 98.34 0.00 0.00 0.00 6.88 0.00 59.31 76.67 19.30 5,332.52 41.80 266.13 0.00 7,307.33

534.42 534.42 569.15 569.15 607.71 651.70 1,406.39 1,504.73 1,504.73 1,504.73 1,504.73 1,511.61 1,511.61 1,570.91 1,647.58 1,666.88 6,999.40 7,041.20 7,307.33 7,307.33

7.31 7.31 20.97 0.00 7.31 0.00 0.48 7.79 3.64 0.00 7.79 0.00 0.53 8.32 1.34 0.60 8.92 2.15 10.33 19.25 44.34 1.35 20.59 5.71 0.00 20.59 0.00 0.00 20.59 0.00 0.00 20.59 0.00 0.09 20.69 0.75 0.00 20.69 0.00 0.81 21.50 5.11 1.05 22.55 9.91 0.26 22.81 0.90 72.97 95.79 201.65 0.57 96.36 4.11 3.64 100.00 19.82 0.00 100.00 0.00

20.97 18.58 14.86 10.81 7.47 6.40 11.84 11.06 10.19 9.60 9.16 8.71 8.32 8.12 8.19 7.49 28.11 27.17 26.81 26.18

26.18

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RISK AND LOSS PROFILE 2011

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 ALL CODE NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 145,050 149,907 213,161 133,147 155,579 86,031 65,696 58,049 36,699 22,436 19,767 23,939 18,508 22,986 15,787 22,297 16,929 7,367 8,109 2,919

1,224,363

145,050 294,957 508,118 641,265 796,844 882,875 948,571 1,006,620 1,043,319 1,065,755 1,085,522 1,109,461 1,127,969 1,150,955 1,166,742 1,189,039 1,205,968 1,213,335 1,221,444 1,224,363

11.85 11.85 12.24 24.09 17.41 41.50 10.87 52.38 12.71 65.08 7.03 72.11 5.37 77.47 4.74 82.22 3.00 85.21 1.83 87.05 1.61 88.66 1.96 90.62 1.51 92.13 1.88 94.00 1.29 95.29 1.82 97.11 1.38 98.50 0.60 99.10 0.66 99.76 0.24 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 76,303.91 22,372.35 54,801.87 57,700.86 119,353.99 90,002.85 91,589.69 103,197.91 81,271.45 58,037.74 55,179.06 76,348.90 66,864.72 108,167.44 88,536.69 208,141.83 191,991.57 105,768.61 166,399.37 128,826.45 1,950,857.26

76,303.91 98,676.26 153,478.13 211,178.99 330,532.98 420,535.83 512,125.52 615,323.43 696,594.88 754,632.62 809,811.69 886,160.59 953,025.31 1,061,192.75 1,149,729.44 1,357,871.27 1,549,862.84 1,655,631.45 1,822,030.82 1,950,857.27

3.91 3.91 1.15 5.06 2.81 7.87 2.96 10.82 6.12 16.94 4.61 21.56 4.69 26.25 5.29 31.54 4.17 35.71 2.97 38.68 2.83 41.51 3.91 45.42 3.43 48.85 5.54 54.40 4.54 58.93 10.67 69.60 9.84 79.45 5.42 84.87 8.53 93.40 6.60 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM.

105 43 70 41 54 50 23 40 27 10 20 27 24 28 24 33 58 28 42 23

15,777.08 1,092.67 2,447.75 901.17 3,384.72 3,519.70 2,227.03 2,568.26 1,074.11 157.54 1,212.90 807.35 9,252.50 7,821.64 430.62 793.38 6,071.72 325.96 1,144.03 536.66

770

105 148 218 259 313 363 386 426 453 463 483 510 534 562 586 619 677 705 747 770

13.64 13.64 5.58 19.22 9.09 28.31 5.32 33.64 7.01 40.65 6.49 47.14 2.99 50.13 5.19 55.32 3.51 58.83 1.30 60.13 2.60 62.73 3.51 66.23 3.12 69.35 3.64 72.99 3.12 76.10 4.29 80.39 7.53 87.92 3.64 91.56 5.45 97.01 2.99 100.00

61,546.79

15,777.08 16,869.75 19,317.50 20,218.67 23,603.39 27,123.09 29,350.12 31,918.38 32,992.49 33,150.03 34,362.93 35,170.28 44,422.78 52,244.42 52,675.04 53,468.42 59,540.13 59,866.10 61,010.13 61,546.79

25.63 25.63 1.78 27.41 3.98 31.39 1.46 32.85 5.50 38.35 5.72 44.07 3.62 47.69 4.17 51.86 1.75 53.61 0.26 53.86 1.97 55.83 1.31 57.14 15.03 72.18 12.71 84.89 0.70 85.59 1.29 86.87 9.87 96.74 0.53 97.27 1.86 99.13 0.87 100.00

20.68 4.88 4.47 1.56 2.84 3.91 2.43 2.49 1.32 0.27 2.20 1.06 13.84 7.23 0.49 0.38 3.16 0.31 0.69 0.42

20.68 17.10 12.59 9.57 7.14 6.45 5.73 5.19 4.74 4.39 4.24 3.97 4.66 4.92 4.58 3.94 3.84 3.62 3.35 3.15

3.15

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RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

FIRE (FR) 2011 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 120,447 132,400 190,457 116,140 128,177 66,302 46,880 38,976 23,919 14,061 12,717 14,993 11,409 13,448 8,884 10,964 6,900 2,327 2,144 659 962,204

120,447 252,847 443,304 559,444 687,621 753,923 800,803 839,779 863,698 877,759 890,476 905,469 916,878 930,326 939,210 950,174 957,074 959,401 961,545 962,204

12.52 12.52 46,875.44 46,875.44 13.76 26.28 19,266.00 66,141.45 19.79 46.07 47,869.01 114,010.46 12.07 58.14 50,473.30 164,483.76 13.32 71.46 101,130.88 265,614.63 6.89 78.35 71,846.83 337,461.47 4.87 83.23 67,319.80 404,781.26 4.05 87.28 71,504.03 476,285.30 2.49 89.76 52,900.21 529,185.51 1.46 91.22 36,045.21 565,230.72 1.32 92.55 32,825.18 598,055.90 1.56 94.10 42,748.09 640,803.99 1.19 95.29 35,736.95 676,540.94 1.40 96.69 56,817.79 733,358.73 0.92 97.61 41,795.19 775,153.92 1.14 98.75 74,324.44 849,478.36 0.72 99.47 62,697.80 912,176.16 0.24 99.71 27,777.92 939,954.08 0.22 99.93 37,021.72 976,975.79 0.07 100.00 8,391.07 985,366.86 985,366.86

4.76 4.76 1.96 6.71 4.86 11.57 5.12 16.69 10.26 26.96 7.29 34.25 6.83 41.08 7.26 48.34 5.37 53.70 3.66 57.36 3.33 60.69 4.34 65.03 3.63 68.66 5.77 74.42 4.24 78.67 7.54 86.21 6.36 92.57 2.82 95.39 3.76 99.15 0.85 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 64 24 49 27 39 30 9 12 9 6 8 12 7 13 3 4 13 11 11 2 353

64 88 137 164 203 233 242 254 263 269 277 289 296 309 312 316 329 340 351 353

18.13 18.13 6.80 24.93 13.88 38.81 7.65 46.46 11.05 57.51 8.50 66.01 2.55 68.56 3.40 71.95 2.55 74.50 1.70 76.20 2.27 78.47 3.40 81.87 1.98 83.85 3.68 87.54 0.85 88.39 1.13 89.52 3.68 93.20 3.12 96.32 3.12 99.43 0.57 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 9,568.59 715.20 1,818.06 608.09 2,873.66 3,355.31 862.62 2,272.26 893.56 66.10 367.27 578.02 8,596.54 256.00 25.28 56.70 3,643.02 50.87 359.75 74.87 37,041.78

9,568.59 10,283.80 12,101.86 12,709.95 15,583.61 18,938.92 19,801.54 22,073.80 22,967.36 23,033.45 23,400.72 23,978.74 32,575.28 32,831.28 32,856.56 32,913.26 36,556.28 36,607.15 36,966.91 37,041.78

25.83 25.83 1.93 27.76 4.91 32.67 1.64 34.31 7.76 42.07 9.06 51.13 2.33 53.46 6.13 59.59 2.41 62.00 0.18 62.18 0.99 63.17 1.56 64.73 23.21 87.94 0.69 88.63 0.07 88.70 0.15 88.85 9.83 98.69 0.14 98.83 0.97 99.80 0.20 100.00

20.41 3.71 3.80 1.20 2.84 4.67 1.28 3.18 1.69 0.18 1.12 1.35 24.06 0.45 0.06 0.08 5.81 0.18 0.97 0.89

20.41 15.55 10.61 7.73 5.87 5.61 4.89 4.63 4.34 4.08 3.91 3.74 4.81 4.48 4.24 3.87 4.01 3.89 3.78 3.76

3.76

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RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

INDUSTRIAL ALL RISK (IAR) 2011 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 13,766 8,695 10,558 8,581 15,668 11,871 11,947 12,278 8,170 5,289 4,452 5,577 4,199 5,706 3,950 6,601 5,719 2,884 3,251 1,341 150,503

13,766 22,461 33,019 41,600 57,268 69,139 81,086 93,364 101,534 106,823 111,275 116,852 121,051 126,757 130,707 137,308 143,027 145,911 149,162 150,503

9.15 9.15 5.78 14.92 7.02 21.94 5.70 27.64 10.41 38.05 7.89 45.94 7.94 53.88 8.16 62.03 5.43 67.46 3.51 70.98 2.96 73.94 3.71 77.64 2.79 80.43 3.79 84.22 2.62 86.85 4.39 91.23 3.80 95.03 1.92 96.95 2.16 99.11 0.89 100.00

15,043.01 1,722.81 3,529.85 3,823.48 11,126.12 11,315.44 16,235.94 20,745.27 18,523.21 14,119.68 14,351.85 20,754.21 18,700.58 29,709.60 26,345.75 60,865.87 64,605.29 37,048.33 48,689.98 35,695.45 472,951.70

15,043.01 16,765.82 20,295.67 24,119.15 35,245.27 46,560.71 62,796.65 83,541.91 102,065.12 116,184.80 130,536.65 151,290.85 169,991.43 199,701.03 226,046.78 286,912.65 351,517.95 388,566.27 437,256.25 472,951.70

3.18 3.18 0.36 3.54 0.75 4.29 0.81 5.10 2.35 7.45 2.39 9.84 3.43 13.28 4.39 17.66 3.92 21.58 2.99 24.57 3.03 27.60 4.39 31.99 3.95 35.94 6.28 42.22 5.57 47.79 12.87 60.66 13.66 74.32 7.83 82.16 10.29 92.45 7.55 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 41 19 21 14 13 18 14 28 18 4 10 15 17 15 21 29 45 17 31 21 411

41 60 81 95 108 126 140 168 186 190 200 215 232 247 268 297 342 359 390 411

9.98 9.98 4.62 14.60 5.11 19.71 3.41 23.11 3.16 26.28 4.38 30.66 3.41 34.06 6.81 40.88 4.38 45.26 0.97 46.23 2.43 48.66 3.65 52.31 4.14 56.45 3.65 60.10 5.11 65.21 7.06 72.26 10.95 83.21 4.14 87.35 7.54 94.89 5.11 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 6,208.49 377.46 629.69 293.07 511.06 164.39 1,364.41 296.00 180.56 91.44 845.64 229.32 655.97 7,565.64 405.34 736.67 2,428.69 275.09 784.28 461.79 24,505.01

6,208.49 6,585.95 7,215.65 7,508.72 8,019.78 8,184.17 9,548.58 9,844.58 10,025.14 10,116.58 10,962.21 11,191.54 11,847.50 19,413.14 19,818.48 20,555.15 22,983.85 23,258.94 24,043.22 24,505.01

25.34 25.34 1.54 26.88 2.57 29.45 1.20 30.64 2.09 32.73 0.67 33.40 5.57 38.97 1.21 40.17 0.74 40.91 0.37 41.28 3.45 44.73 0.94 45.67 2.68 48.35 30.87 79.22 1.65 80.88 3.01 83.88 9.91 93.79 1.12 94.92 3.20 98.12 1.88 100.00

41.27 21.91 17.84 7.67 4.59 1.45 8.40 1.43 0.97 0.65 5.89 1.10 3.51 25.47 1.54 1.21 3.76 0.74 1.61 1.29

41.27 39.28 35.55 31.13 22.75 17.58 15.21 11.78 9.82 8.71 8.40 7.40 6.97 9.72 8.77 7.16 6.54 5.99 5.50 5.18

5.18

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RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

LOSS OF PROFIT (LOP) 2011 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4 1 3 1 35 5 4 6 3 1 4 2 1 9 10 2 3 1 0 0 95

4 5 8 9 44 49 53 59 62 63 67 69 70 79 89 91 94 95 95 95

4.21 4.21 1.05 5.26 3.16 8.42 1.05 9.47 36.84 46.32 5.26 51.58 4.21 55.79 6.32 62.11 3.16 65.26 1.05 66.32 4.21 70.53 2.11 72.63 1.05 73.68 9.47 83.16 10.53 93.68 2.11 95.79 3.16 98.95 1.05 100.00 1.05 100.00 1.05 100.00

0.11 0.14 0.64 0.34 12.05 2.10 2.51 8.14 3.45 3.37 5.55 3.00 6.07 13.69 59.63 5.21 2.88 1.90 0.00 0.00 130.78

0.11 0.25 0.89 1.23 13.28 15.38 17.88 26.02 29.47 32.85 38.40 41.40 47.47 61.16 120.79 126.00 128.88 130.78 130.78 130.78

0.08 0.08 0.11 0.19 0.49 0.68 0.26 0.94 9.21 10.15 1.61 11.76 1.92 13.68 6.22 19.90 2.64 22.54 2.58 25.11 4.25 29.36 2.30 31.66 4.64 36.30 10.47 46.77 45.60 92.36 3.98 96.35 2.20 98.55 1.45 100.00 1.45 100.00 1.45 100.00

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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

EARTHQUAKE (EQ) 2011 ALL CODE

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 10,833 8,812 12,142 8,426 11,698 7,853 6,865 6,789 4,607 3,085 2,594 3,367 2,899 3,823 2,943 4,730 4,307 2,155 2,714 919 111,561

10,833 19,645 31,787 40,213 51,911 59,764 66,629 73,418 78,025 81,110 83,704 87,071 89,970 93,793 96,736 101,466 105,773 107,928 110,642 111,561

9.71 9.71 7.90 17.61 10.88 28.49 7.55 36.05 10.49 46.53 7.04 53.57 6.15 59.72 6.09 65.81 4.13 69.94 2.77 72.70 2.33 75.03 3.02 78.05 2.60 80.65 3.43 84.07 2.64 86.71 4.24 90.95 3.86 94.81 1.93 96.74 2.43 99.18 0.82 100.00

14,385.35 1,383.54 3,402.22 3,404.08 7,084.61 6,838.47 8,031.45 10,940.48 9,844.58 7,869.49 7,996.48 12,843.60 12,421.13 21,626.35 20,336.12 72,946.31 64,685.59 40,940.47 80,687.67 84,739.94 492,407.94

14,385.35 15,768.89 19,171.11 22,575.19 29,659.80 36,498.28 44,529.72 55,470.20 65,314.78 73,184.27 81,180.75 94,024.35 106,445.47 128,071.83 148,407.95 221,354.26 286,039.85 326,980.32 407,667.99 492,407.94

2.92 2.92 0.28 3.20 0.69 3.89 0.69 4.58 1.44 6.02 1.39 7.41 1.63 9.04 2.22 11.27 2.00 13.26 1.60 14.86 1.62 16.49 2.61 19.09 2.52 21.62 4.39 26.01 4.13 30.14 14.81 44.95 13.14 58.09 8.31 66.40 16.39 82.79 17.21 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 2 2 0 0 0 0 2 0 0 0 0 0 0 0 0 0 6

0 0 0 0 2 4 4 4 4 4 6 6 6 6 6 6 6 6 6 6

0.00 0.00 0.00 0.00 33.33 33.33 0.00 0.00 0.00 0.00 33.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 158 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ DATA POSITION FROM 2011 DATA POSITION TO 20 PROCESSING DATE Mining, Drilling, Installations, Salt Mines, Peat Extraction, Metallurgical Plants (Instalasi Pertambangan, Pengeboran, Tambang Garam (Mineral), Penggalian Tanah, Pabrik Pengolahan/Pengecoran Logam Logam)

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 180 36 68 46 78 65 55 96 60 71 33 65 36 91 63 140 191 106 179 120

1,779

180 216 284 330 408 473 528 624 684 755 788 853 889 980 1,043 1,183 1,374 1,480 1,659 1,779

10.12 10.12 2.02 12.14 3.82 15.96 2.59 18.55 4.38 22.93 3.65 26.59 3.09 29.68 5.40 35.08 3.37 38.45 3.99 42.44 1.85 44.29 3.65 47.95 2.02 49.97 5.12 55.09 3.54 58.63 7.87 66.50 10.74 77.23 5.96 83.19 10.06 93.25 6.75 100.00

1,341.16 40.08 18.04 81.46 59.93 144.74 65.62 178.18 139.89 183.35 122.15 246.61 189.10 618.48 518.27 1,348.92 2,445.91 1,575.21 2,440.67 2,505.34 14,263.09

1,341.16 1,381.24 1,399.28 1,480.74 1,540.67 1,685.41 1,751.03 1,929.21 2,069.10 2,252.44 2,374.59 2,621.20 2,810.30 3,428.78 3,947.05 5,295.97 7,741.88 9,317.09 11,757.75 14,263.09

9.40 9.40 0.28 9.68 0.13 9.81 0.57 10.38 0.42 10.80 1.01 11.82 0.46 12.28 1.25 13.53 0.98 14.51 1.29 15.79 0.86 16.65 1.73 18.38 1.33 19.70 4.34 24.04 3.63 27.67 9.46 37.13 17.15 54.28 11.04 65.32 17.11 82.43 17.57 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 2 0 6

2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 4 6 6

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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 158.55 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 27.48 8.52 0.00 194.56

158.55 158.55 158.55 158.55 158.55 158.55 158.55 158.55 158.55 158.55 158.55 158.55 158.55 158.55 158.55 158.55 158.55 186.03 194.56 194.56

81.49 81.49 0.00 81.49 0.00 81.49 0.00 81.49 0.00 81.49 0.00 81.49 0.00 81.49 0.00 81.49 0.00 81.49 0.00 81.49 0.00 81.49 0.00 81.49 0.00 81.49 0.00 81.49 0.00 81.49 0.00 81.49 0.00 81.49 14.13 95.62 4.38 100.00 0.00 100.00

11.82 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 1.74 0.35 0.00

11.82 11.48 11.33 10.71 10.29 9.41 9.05 8.22 7.66 7.04 6.68 6.05 5.64 4.62 4.02 2.99 2.05 2.00 1.65 1.36

1.36

Page 159 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 21 Stone, Earth, (Animal) Bones or Shells

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2011 15/12/2011 15/04/2012

(Batuan, Tanah, Tulang/Rangka Hewan)

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 ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 239 97 107 109 153 114 88 183 118 85 70 107 99 118 77 173 200 105 180 69

2,491

239 336 443 552 705 819 907 1,090 1,208 1,293 1,363 1,470 1,569 1,687 1,764 1,937 2,137 2,242 2,422 2,491

9.59 9.59 3.89 13.49 4.30 17.78 4.38 22.16 6.14 28.30 4.58 32.88 3.53 36.41 7.35 43.76 4.74 48.49 3.41 51.91 2.81 54.72 4.30 59.01 3.97 62.99 4.74 67.72 3.09 70.81 6.95 77.76 8.03 85.79 4.22 90.00 7.23 97.23 2.77 100.00

488.43 87.72 32.61 43.47 119.40 125.00 121.47 312.73 263.58 234.79 242.61 443.65 430.34 752.15 555.06 1,719.25 2,413.21 1,372.76 2,344.11 5,551.20 17,653.53

488.43 576.15 608.76 652.23 771.62 896.62 1,018.09 1,330.82 1,594.40 1,829.19 2,071.80 2,515.44 2,945.78 3,697.94 4,253.00 5,972.24 8,385.46 9,758.22 12,102.33 17,653.53

2.77 2.77 0.50 3.26 0.18 3.45 0.25 3.69 0.68 4.37 0.71 5.08 0.69 5.77 1.77 7.54 1.49 9.03 1.33 10.36 1.37 11.74 2.51 14.25 2.44 16.69 4.26 20.95 3.14 24.09 9.74 33.83 13.67 47.50 7.78 55.28 13.28 68.55 31.45 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2

2 100.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 4.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.96

4.96 100.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00 4.96 0.00 100.00

1.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1.01 0.86 0.81 0.76 0.64 0.55 0.49 0.37 0.31 0.27 0.24 0.20 0.17 0.13 0.12 0.08 0.06 0.05 0.04 0.03

0.03

Page 160 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 22 Metals (Logam)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 798 285 478 368 580 545 514 699 521 399 318 481 369 603 412 811 872 481 705 227

10,466

798 1,083 1,561 1,929 2,509 3,054 3,568 4,267 4,788 5,187 5,505 5,986 6,355 6,958 7,370 8,181 9,053 9,534 10,239 10,466

7.62 7.62 2.72 10.35 4.57 14.91 3.52 18.43 5.54 23.97 5.21 29.18 4.91 34.09 6.68 40.77 4.98 45.75 3.81 49.56 3.04 52.60 4.60 57.19 3.53 60.72 5.76 66.48 3.94 70.42 7.75 78.17 8.33 86.50 4.60 91.09 6.74 97.83 2.17 100.00

1,825.16 118.02 156.09 303.95 649.09 540.86 744.41 1,208.03 1,195.79 995.02 1,118.02 2,020.94 1,696.47 3,565.12 2,923.53 7,803.98 10,308.47 6,590.45 9,422.37 2,096.29 55,282.07

1,825.16 1,943.19 2,099.28 2,403.23 3,052.32 3,593.19 4,337.60 5,545.63 6,741.41 7,736.43 8,854.45 10,875.40 12,571.86 16,136.98 19,060.51 26,864.49 37,172.96 43,763.41 53,185.78 55,282.07

3.30 3.30 0.21 3.52 0.28 3.80 0.55 4.35 1.17 5.52 0.98 6.50 1.35 7.85 2.19 10.03 2.16 12.19 1.80 13.99 2.02 16.02 3.66 19.67 3.07 22.74 6.45 29.19 5.29 34.48 14.12 48.60 18.65 67.24 11.92 79.16 17.04 96.21 3.79 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 0 0 0 2 0 0 0 0 0 0 0 2 0 2 4 4 4 2 14 0 34

0 0 0 2 2 2 2 2 2 2 2 4 4 6 10 14 18 20 34 34

0.00 0.00 0.00 0.00 0.00 0.00 5.88 5.88 0.00 5.88 0.00 5.88 0.00 5.88 0.00 5.88 0.00 5.88 0.00 5.88 0.00 5.88 5.88 11.76 0.00 11.76 5.88 17.65 11.76 29.41 11.76 41.18 11.76 52.94 5.88 58.82 41.18 100.00 0.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 64.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 494.61 0.00 23.05 109.98 115.01 10.15 2.67 137.86 0.00 957.90

0.00 0.00 0.00 64.57 64.57 64.57 64.57 64.57 64.57 64.57 64.57 559.18 559.18 582.23 692.21 807.22 817.37 820.05 957.90 957.90

0.00 0.00 0.00 0.00 0.00 0.00 6.74 6.74 0.00 6.74 0.00 6.74 0.00 6.74 0.00 6.74 0.00 6.74 0.00 6.74 0.00 6.74 51.63 58.37 0.00 58.37 2.41 60.78 11.48 72.26 12.01 84.27 1.06 85.33 0.28 85.61 14.39 100.00 0.00 100.00

0.00 0.00 0.00 21.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 24.47 0.00 0.65 3.76 1.47 0.10 0.04 1.46 0.00

0.00 0.00 0.00 2.69 2.12 1.80 1.49 1.16 0.96 0.83 0.73 5.14 4.45 3.61 3.63 3.00 2.20 1.87 1.80 1.73

1.73

Page 161 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 23 Chemical / Oil / Gas (Kimia / Minyak / Gas)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

733 192 356 316 676 634 695 889 688 509 445 767 625 962 667 1,296 1,455 671 836 372 13,784

733 925 1,281 1,597 2,273 2,907 3,602 4,491 5,179 5,688 6,133 6,900 7,525 8,487 9,154 10,450 11,905 12,576 13,412 13,784

5.32 5.32 1.39 6.71 2.58 9.29 2.29 11.59 4.90 16.49 4.60 21.09 5.04 26.13 6.45 32.58 4.99 37.57 3.69 41.27 3.23 44.49 5.56 50.06 4.53 54.59 6.98 61.57 4.84 66.41 9.40 75.81 10.56 86.37 4.87 91.24 6.07 97.30 2.70 100.00

3,901.18 3,901.18 166.80 4,067.98 387.90 4,455.88 359.90 4,815.78 855.54 5,671.32 1,123.82 6,795.15 1,539.52 8,334.66 2,087.48 10,422.15 2,158.80 12,580.95 2,014.93 14,595.89 1,923.41 16,519.30 3,928.48 20,447.78 3,724.87 24,172.65 7,147.31 31,319.96 5,725.84 37,045.80 16,558.49 53,604.28 19,278.53 72,882.82 9,428.21 82,311.03 16,635.82 98,946.86 11,712.30 110,659.16 110,659.16

3.53 3.53 0.15 3.68 0.35 4.03 0.33 4.35 0.77 5.13 1.02 6.14 1.39 7.53 1.89 9.42 1.95 11.37 1.82 13.19 1.74 14.93 3.55 18.48 3.37 21.84 6.46 28.30 5.17 33.48 14.96 48.44 17.42 65.86 8.52 74.38 15.03 89.42 10.58 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 6 0 0 2 0 0 0 0 0 0 4 3 2 4 0 4 11 4 0 0 40

6 6 6 8 8 8 8 8 8 8 12 15 17 21 21 25 36 40 40 40

15.00 15.00 0.00 15.00 0.00 15.00 5.00 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 10.00 30.00 7.50 37.50 5.00 42.50 10.00 52.50 0.00 52.50 10.00 62.50 27.50 90.00 10.00 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 13.15 0.00 0.00 6.17 0.00 0.00 0.00 0.00 0.00 0.00 730.14 11.34 4,399.60 28.74 0.00 20.37 194.18 39.62 0.00 0.00 5,443.32

13.15 13.15 13.15 19.32 19.32 19.32 19.32 19.32 19.32 19.32 749.46 760.80 5,160.40 5,189.14 5,189.14 5,209.51 5,403.70 5,443.32 5,443.32 5,443.32

0.24 0.24 0.34 0.00 0.24 0.00 0.00 0.24 0.00 0.11 0.35 1.71 0.00 0.35 0.00 0.00 0.35 0.00 0.00 0.35 0.00 0.00 0.35 0.00 0.00 0.35 0.00 0.00 0.35 0.00 13.41 13.77 37.96 0.21 13.98 0.29 80.83 94.80 118.11 0.53 95.33 0.40 0.00 95.33 0.00 0.37 95.70 0.12 3.57 99.27 1.01 0.73 100.00 0.42 0.00 100.00 0.00 0.00 100.00 0.00

0.34 0.32 0.30 0.40 0.34 0.28 0.23 0.19 0.15 0.13 4.54 3.72 21.35 16.57 14.01 9.72 7.41 6.61 5.50 4.92

4.92

Page 162 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 24 Textiles (Tekstil)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

1,103 585 1,318 1,074 1,702 1,066 962 988 771 430 406 534 431 703 495 856 888 462 724 221 15,719

1,103 1,688 3,006 4,080 5,782 6,848 7,810 8,798 9,569 9,999 10,405 10,939 11,370 12,073 12,568 13,424 14,312 14,774 15,498 15,719

7.02 7.02 3.72 10.74 8.38 19.12 6.83 25.96 10.83 36.78 6.78 43.57 6.12 49.69 6.29 55.97 4.90 60.88 2.74 63.61 2.58 66.19 3.40 69.59 2.74 72.33 4.47 76.81 3.15 79.95 5.45 85.40 5.65 91.05 2.94 93.99 4.61 98.59 1.41 100.00

2,776.89 245.26 687.45 837.69 1,983.30 1,847.75 2,036.19 2,726.90 2,521.80 1,627.40 1,514.32 2,642.63 2,468.40 4,070.28 3,501.65 9,321.97 11,143.63 7,974.95 18,514.87 9,146.18 87,589.49

2,776.89 3,022.15 3,709.60 4,547.29 6,530.58 8,378.33 10,414.52 13,141.42 15,663.22 17,290.62 18,804.93 21,447.57 23,915.97 27,986.25 31,487.89 40,809.86 51,953.50 59,928.44 78,443.31 87,589.49

3.17 3.17 0.28 3.45 0.78 4.24 0.96 5.19 2.26 7.46 2.11 9.57 2.32 11.89 3.11 15.00 2.88 17.88 1.86 19.74 1.73 21.47 3.02 24.49 2.82 27.30 4.65 31.95 4.00 35.95 10.64 46.59 12.72 59.31 9.10 68.42 21.14 89.56 10.44 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 2 2 0 0 0 0 0 0 2 0 0 0 0 2 2 0 7 7 0 0 24

2 4 4 4 4 4 4 4 6 6 6 6 6 8 10 10 17 24 24 24

8.33 8.33 8.33 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 8.33 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 8.33 33.33 8.33 41.67 0.00 41.67 29.17 70.83 29.17 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 20.09 67.50 0.00 0.00 0.00 0.00 0.00 0.00 3.27 0.00 0.00 0.00 0.00 6.22 44.04 0.00 205.54 90.23 0.00 0.00 436.89

20.09 87.59 87.59 87.59 87.59 87.59 87.59 87.59 90.86 90.86 90.86 90.86 90.86 97.08 141.12 141.12 346.66 436.89 436.89 436.89

4.60 4.60 15.45 20.05 0.00 20.05 0.00 20.05 0.00 20.05 0.00 20.05 0.00 20.05 0.00 20.05 0.75 20.80 0.00 20.80 0.00 20.80 0.00 20.80 0.00 20.80 1.42 22.22 10.08 32.30 0.00 32.30 47.05 79.35 20.65 100.00 0.00 100.00 0.00 100.00

0.72 27.52 0.00 0.00 0.00 0.00 0.00 0.00 0.13 0.00 0.00 0.00 0.00 0.15 1.26 0.00 1.84 1.13 0.00 0.00

0.72 2.90 2.36 1.93 1.34 1.05 0.84 0.67 0.58 0.53 0.48 0.42 0.38 0.35 0.45 0.35 0.67 0.73 0.56 0.50

0.50

Page 163 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 25 Paper, Leather and Rubber (Kertas, Kulit dan Karet)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 718 392 646 613 907 735 663 786 594 373 375 473 388 563 391 759 756 423 581 203

11,339

718 1,110 1,756 2,369 3,276 4,011 4,674 5,460 6,054 6,427 6,802 7,275 7,663 8,226 8,617 9,376 10,132 10,555 11,136 11,339

6.33 6.33 3.46 9.79 5.70 15.49 5.41 20.89 8.00 28.89 6.48 35.37 5.85 41.22 6.93 48.15 5.24 53.39 3.29 56.68 3.31 59.99 4.17 64.16 3.42 67.58 4.97 72.55 3.45 75.99 6.69 82.69 6.67 89.36 3.73 93.09 5.12 98.21 1.79 100.00

4,933.29 212.08 581.54 615.41 1,162.72 1,574.07 1,582.16 2,495.49 2,090.41 1,684.24 1,907.75 2,577.32 2,375.13 4,655.65 5,013.54 9,477.89 12,479.76 7,308.38 14,557.33 6,812.71 84,096.90

4,933.29 5,145.38 5,726.91 6,342.33 7,505.05 9,079.12 10,661.28 13,156.77 15,247.18 16,931.42 18,839.17 21,416.50 23,791.63 28,447.27 33,460.82 42,938.70 55,418.47 62,726.85 77,284.18 84,096.90

5.87 5.87 0.25 6.12 0.69 6.81 0.73 7.54 1.38 8.92 1.87 10.80 1.88 12.68 2.97 15.64 2.49 18.13 2.00 20.13 2.27 22.40 3.06 25.47 2.82 28.29 5.54 33.83 5.96 39.79 11.27 51.06 14.84 65.90 8.69 74.59 17.31 91.90 8.10 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 9 2 0 0 0 0 1 2 2 0 2 0 3 7 2 4 0 3 2 2 41

9 11 11 11 11 11 12 14 16 16 18 18 21 28 30 34 34 37 39 41

21.95 21.95 4.88 26.83 0.00 26.83 0.00 26.83 0.00 26.83 0.00 26.83 2.44 29.27 4.88 34.15 4.88 39.02 0.00 39.02 4.88 43.90 0.00 43.90 7.32 51.22 17.07 68.29 4.88 73.17 9.76 82.93 0.00 82.93 7.32 90.24 4.88 95.12 4.88 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,369.59 0.00 0.00 0.00 0.00 0.00 0.00 0.41 109.45 0.00 257.93 0.00 98.76 244.62 88.08 49.44 0.00 28.57 378.93 17.42 3,643.19

2,369.59 2,369.59 2,369.59 2,369.59 2,369.59 2,369.59 2,369.59 2,369.99 2,479.44 2,479.44 2,737.37 2,737.37 2,836.13 3,080.75 3,168.83 3,218.27 3,218.27 3,246.84 3,625.77 3,643.19

65.04 65.04 0.00 65.04 0.00 65.04 0.00 65.04 0.00 65.04 0.00 65.04 0.00 65.04 0.01 65.05 3.00 68.06 0.00 68.06 7.08 75.14 0.00 75.14 2.71 77.85 6.71 84.56 2.42 86.98 1.36 88.34 0.00 88.34 0.78 89.12 10.40 99.52 0.48 100.00

48.03 0.00 0.00 0.00 0.00 0.00 0.00 0.02 5.24 0.00 13.52 0.00 4.16 5.25 1.76 0.52 0.00 0.39 2.60 0.26

48.03 46.05 41.38 37.36 31.57 26.10 22.23 18.01 16.26 14.64 14.53 12.78 11.92 10.83 9.47 7.50 5.81 5.18 4.69 4.33

4.33

Page 164 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 26

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2011 15/12/2011 15/04/2012

Wood, Bamboo and Rattan (Kayu, Bambu dan Rotan)

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 ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 773 529 751 466 615 405 389 446 337 275 211 283 284 335 269 528 540 276 321 73

8,106

773 1,302 2,053 2,519 3,134 3,539 3,928 4,374 4,711 4,986 5,197 5,480 5,764 6,099 6,368 6,896 7,436 7,712 8,033 8,106

9.54 9.54 6.53 16.06 9.26 25.33 5.75 31.08 7.59 38.66 5.00 43.66 4.80 48.46 5.50 53.96 4.16 58.12 3.39 61.51 2.60 64.11 3.49 67.60 3.50 71.11 4.13 75.24 3.32 78.56 6.51 85.07 6.66 91.73 3.40 95.14 3.96 99.10 0.90 100.00

3,120.32 347.86 816.65 658.57 1,455.05 1,139.98 1,515.46 2,448.77 1,971.45 2,017.79 1,814.61 2,357.22 3,030.28 4,582.20 5,011.32 11,675.89 16,070.33 6,810.89 11,046.89 1,128.60 79,020.14

3,120.32 3,468.19 4,284.84 4,943.41 6,398.45 7,538.44 9,053.90 11,502.67 13,474.11 15,491.90 17,306.51 19,663.73 22,694.02 27,276.22 32,287.54 43,963.43 60,033.76 66,844.64 77,891.54 79,020.14

3.95 3.95 0.44 4.39 1.03 5.42 0.83 6.26 1.84 8.10 1.44 9.54 1.92 11.46 3.10 14.56 2.49 17.05 2.55 19.61 2.30 21.90 2.98 24.88 3.83 28.72 5.80 34.52 6.34 40.86 14.78 55.64 20.34 75.97 8.62 84.59 13.98 98.57 1.43 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 6 0 0 0 2 6 0 2 0 2 0 2 4 0 0 0 6 2 0 2 34

6 6 6 6 8 14 14 16 16 18 18 20 24 24 24 24 30 32 32 34

17.65 17.65 0.00 17.65 0.00 17.65 0.00 17.65 5.88 23.53 17.65 41.18 0.00 41.18 5.88 47.06 0.00 47.06 5.88 52.94 0.00 52.94 5.88 58.82 11.76 70.59 0.00 70.59 0.00 70.59 0.00 70.59 17.65 88.24 5.88 94.12 0.00 94.12 5.88 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 105.83 0.00 0.00 0.00 38.88 5.56 0.00 1,101.94 0.00 57.60 0.00 45.45 205.35 0.00 0.00 0.00 3,698.96 82.99 0.00 74.87 5,417.44

105.83 105.83 105.83 105.83 144.71 150.27 150.27 1,252.21 1,252.21 1,309.81 1,309.81 1,355.26 1,560.62 1,560.62 1,560.62 1,560.62 5,259.58 5,342.58 5,342.58 5,417.44

1.95 1.95 0.00 1.95 0.00 1.95 0.00 1.95 0.72 2.67 0.10 2.77 0.00 2.77 20.34 23.11 0.00 23.11 1.06 24.18 0.00 24.18 0.84 25.02 3.79 28.81 0.00 28.81 0.00 28.81 0.00 28.81 68.28 97.09 1.53 98.62 0.00 98.62 1.38 100.00

3.39 0.00 0.00 0.00 2.67 0.49 0.00 45.00 0.00 2.85 0.00 1.93 6.78 0.00 0.00 0.00 23.02 1.22 0.00 6.63

3.39 3.05 2.47 2.14 2.26 1.99 1.66 10.89 9.29 8.45 7.57 6.89 6.88 5.72 4.83 3.55 8.76 7.99 6.86 6.86

6.86

Page 165 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 27 Nutritional, Drinks and Tobacco (Makanan, Minuman dan Tembakau)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

5,347 2,635 4,507 1,759 2,612 1,261 1,252 1,276 911 799 649 869 702 1,229 918 1,625 1,699 887 1,042 412 32,391

5,347 7,982 12,489 14,248 16,860 18,121 19,373 20,649 21,560 22,359 23,008 23,877 24,579 25,808 26,726 28,351 30,050 30,937 31,979 32,391

16.51 16.51 8.13 24.64 13.91 38.56 5.43 43.99 8.06 52.05 3.89 55.94 3.87 59.81 3.94 63.75 2.81 66.56 2.47 69.03 2.00 71.03 2.68 73.71 2.17 75.88 3.79 79.68 2.83 82.51 5.02 87.53 5.25 92.77 2.74 95.51 3.22 98.73 1.27 100.00

2,474.00 2,474.00 553.67 3,027.67 991.59 4,019.26 921.83 4,941.09 1,541.19 6,482.28 1,510.09 7,992.37 1,538.11 9,530.47 2,432.95 11,963.42 1,789.02 13,752.45 1,653.89 15,406.34 1,858.17 17,264.52 2,809.18 20,073.70 3,093.69 23,167.39 8,208.19 31,375.58 5,549.89 36,925.47 12,132.43 49,057.89 16,596.68 65,654.58 10,825.98 76,480.56 14,761.79 91,242.35 61,168.06 152,410.41 152,410.41

1.62 1.62 0.36 1.99 0.65 2.64 0.60 3.24 1.01 4.25 0.99 5.24 1.01 6.25 1.60 7.85 1.17 9.02 1.09 10.11 1.22 11.33 1.84 13.17 2.03 15.20 5.39 20.59 3.64 24.23 7.96 32.19 10.89 43.08 7.10 50.18 9.69 59.87 40.13 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 4 2 4 2 4 2 0 0 0 0 0 0 5 0 2 2 4 2 2 6 41

4 6 10 12 16 18 18 18 18 18 18 18 23 23 25 27 31 33 35 41

9.76 9.76 4.88 14.63 9.76 24.39 4.88 29.27 9.76 39.02 4.88 43.90 0.00 43.90 0.00 43.90 0.00 43.90 0.00 43.90 0.00 43.90 0.00 43.90 12.20 56.10 0.00 56.10 4.88 60.98 4.88 65.85 9.76 75.61 4.88 80.49 4.88 85.37 14.63 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 7.52 69.15 44.68 0.86 184.65 1.33 0.00 0.00 0.00 0.00 0.00 0.00 4,093.84 0.00 0.66 13.74 1,556.79 26.58 123.06 270.86 6,393.72

7.52 76.67 121.34 122.20 306.86 308.18 308.18 308.18 308.18 308.18 308.18 308.18 4,402.03 4,402.03 4,402.69 4,416.43 5,973.21 5,999.79 6,122.86 6,393.72

0.12 0.12 0.30 1.08 1.20 12.49 0.70 1.90 4.51 0.01 1.91 0.09 2.89 4.80 11.98 0.02 4.82 0.09 0.00 4.82 0.00 0.00 4.82 0.00 0.00 4.82 0.00 0.00 4.82 0.00 0.00 4.82 0.00 0.00 4.82 0.00 64.03 68.85 132.33 0.00 68.85 0.00 0.01 68.86 0.01 0.21 69.07 0.11 24.35 93.42 9.38 0.42 93.84 0.25 1.92 95.76 0.83 4.24 100.00 0.44

0.30 2.53 3.02 2.47 4.73 3.86 3.23 2.58 2.24 2.00 1.79 1.54 19.00 14.03 11.92 9.00 9.10 7.84 6.71 4.20

4.20

Page 166 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 28 Power and Heating (Pembangkit Tenaga dan Pemanas)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 73 12 11 13 12 22 290 37 24 14 28 26 21 28 33 105 151 98 139 116

1,253

73 85 96 109 121 143 433 470 494 508 536 562 583 611 644 749 900 998 1,137 1,253

5.83 5.83 0.96 6.78 0.88 7.66 1.04 8.70 0.96 9.66 1.76 11.41 23.14 34.56 2.95 37.51 1.92 39.43 1.12 40.54 2.23 42.78 2.08 44.85 1.68 46.53 2.23 48.76 2.63 51.40 8.38 59.78 12.05 71.83 7.82 79.65 11.09 90.74 9.26 100.00

913.28 1.21 3.00 8.63 38.85 26.59 177.91 89.91 47.53 32.23 68.99 84.12 73.23 194.84 322.67 1,166.55 2,938.26 2,981.87 2,997.35 2,554.82 14,721.84

913.28 914.49 917.49 926.12 964.97 991.55 1,169.47 1,259.38 1,306.91 1,339.14 1,408.13 1,492.25 1,565.48 1,760.32 2,082.99 3,249.54 6,187.80 9,169.67 12,167.02 14,721.84

6.20 6.20 0.01 6.21 0.02 6.23 0.06 6.29 0.26 6.55 0.18 6.74 1.21 7.94 0.61 8.55 0.32 8.88 0.22 9.10 0.47 9.56 0.57 10.14 0.50 10.63 1.32 11.96 2.19 14.15 7.92 22.07 19.96 42.03 20.25 62.29 20.36 82.65 17.35 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 0 2 0 6

2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 4 4 6 6

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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 4.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.32 0.00 49.22 0.00 60.47

4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 11.25 11.25 60.47 60.47

8.15 8.15 0.00 8.15 0.00 8.15 0.00 8.15 0.00 8.15 0.00 8.15 0.00 8.15 0.00 8.15 0.00 8.15 0.00 8.15 0.00 8.15 0.00 8.15 0.00 8.15 0.00 8.15 0.00 8.15 0.00 8.15 10.45 18.60 0.00 18.60 81.40 100.00 0.00 100.00

0.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.22 0.00 1.64 0.00

0.54 0.54 0.54 0.53 0.51 0.50 0.42 0.39 0.38 0.37 0.35 0.33 0.31 0.28 0.24 0.15 0.18 0.12 0.50 0.41

0.41

Page 167 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 29 Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotels, Entertainment, Sports and Services, The Caring Services, Motor Vehicle Repair Shops, Private Buildings, Property of Public Bodies (Transportasi dan Lalu lintas, Perusahaan Konstruksi, Komunikasi Masa Perdagangan dan Penyimpanan, Sarana Olah RagaHotel dan Pusat Hiburan, Pelayanan Perawatan, Tempat Reparasi Kendaraan Bermotor, Bangunan Pribadi, Bangunan Umum) NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 133,889 144,691 204,720 128,268 148,068 81,034 60,689 52,512 32,575 19,402 17,153 20,174 15,496 18,194 12,343 15,758 9,896 3,672 3,249 1,059

1,122,842

133,889 278,580 483,300 611,568 759,636 840,670 901,359 953,871 986,446 1,005,848 1,023,001 1,043,175 1,058,671 1,076,865 1,089,208 1,104,966 1,114,862 1,118,534 1,121,783 1,122,842

11.92 11.92 12.89 24.81 18.23 43.04 11.42 54.47 13.19 67.65 7.22 74.87 5.40 80.27 4.68 84.95 2.90 87.85 1.73 89.58 1.53 91.11 1.80 92.90 1.38 94.28 1.62 95.91 1.10 97.00 1.40 98.41 0.88 99.29 0.33 99.62 0.29 99.91 0.09 100.00

ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE rp RP BAND CUM. 48,617.85 20,265.47 50,956.74 53,805.35 111,206.80 81,606.83 82,048.24 88,725.79 68,394.46 46,302.94 44,163.18 57,767.24 49,080.17 71,487.18 57,731.05 130,700.31 91,336.36 44,259.85 67,970.56 25,690.41 1,292,116.77

48,617.85 68,883.32 119,840.05 173,645.41 284,852.21 366,459.04 448,507.27 537,233.06 605,627.52 651,930.46 696,093.64 753,860.88 802,941.05 874,428.22 932,159.27 1,062,859.58 1,154,195.94 1,198,455.79 1,266,426.36 1,292,116.77

3.76 3.76 1.57 5.33 3.94 9.27 4.16 13.44 8.61 22.05 6.32 28.36 6.35 34.71 6.87 41.58 5.29 46.87 3.58 50.45 3.42 53.87 4.47 58.34 3.80 62.14 5.53 67.67 4.47 72.14 10.12 82.26 7.07 89.33 3.43 92.75 5.26 98.01 1.99 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 72 37 66 35 48 42 22 36 23 8 14 18 10 13 14 19 24 6 20 6 533

72 109 175 210 258 300 322 358 381 389 403 421 431 444 458 477 501 507 527 533

13.51 13.51 6.94 20.45 12.38 32.83 6.57 39.40 9.01 48.41 7.88 56.29 4.13 60.41 6.75 67.17 4.32 71.48 1.50 72.98 2.63 75.61 3.38 78.99 1.88 80.86 2.44 83.30 2.63 85.93 3.56 89.49 4.50 94.00 1.13 95.12 3.75 98.87 1.13 100.00

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 13,092.48 956.02 2,403.08 829.57 3,161.18 3,512.81 2,227.03 1,465.91 961.39 99.94 224.83 251.63 454.95 7,519.01 187.86 594.81 399.77 27.81 446.43 27.50 38,844.02

13,092.48 14,048.50 16,451.57 17,281.14 20,442.33 23,955.14 26,182.17 27,648.09 28,609.48 28,709.42 28,934.25 29,185.88 29,640.83 37,159.83 37,347.69 37,942.50 38,342.27 38,370.08 38,816.51 38,844.02

33.71 33.71 2.46 36.17 6.19 42.35 2.14 44.49 8.14 52.63 9.04 61.67 5.73 67.40 3.77 71.18 2.48 73.65 0.26 73.91 0.58 74.49 0.65 75.14 1.17 76.31 19.36 95.66 0.48 96.15 1.53 97.68 1.03 98.71 0.07 98.78 1.15 99.93 0.07 100.00

26.93 4.72 4.72 1.54 2.84 4.30 2.71 1.65 1.41 0.22 0.51 0.44 0.93 10.52 0.33 0.46 0.44 0.06 0.66 0.11

26.93 20.39 13.73 9.95 7.18 6.54 5.84 5.15 4.72 4.40 4.16 3.87 3.69 4.25 4.01 3.57 3.32 3.20 3.07 3.01

3.01

Page 168 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 30 Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 196 53 30 14 30 44 28 42 30 28 40 90 19 60 79 166 78 1 0 0 1,028

196 249 279 293 323 367 395 437 467 495 535 625 644 704 783 949 1,027 1,028 1,028 1,028

19.07 19.07 5.16 24.22 2.92 27.14 1.36 28.50 2.92 31.42 4.28 35.70 2.72 38.42 4.09 42.51 2.92 45.43 2.72 48.15 3.89 52.04 8.75 60.80 1.85 62.65 5.84 68.48 7.68 76.17 16.15 92.32 7.59 99.90 0.10 100.00 0.00 100.00 0.00 100.00

2,836.78 26.11 29.84 21.86 167.16 257.37 130.37 276.29 252.91 234.40 275.93 1,120.52 327.80 747.24 1,108.50 3,083.73 2,021.17 (6.79) 0.00 0.00 12,911.21

2,836.78 2,862.89 2,892.74 2,914.60 3,081.76 3,339.13 3,469.50 3,745.78 3,998.69 4,233.09 4,509.03 5,629.55 5,957.35 6,704.59 7,813.09 10,896.83 12,918.00 12,911.21 12,911.21 12,911.21

21.97 0.20 0.23 0.17 1.29 1.99 1.01 2.14 1.96 1.82 2.14 8.68 2.54 5.79 8.59 23.88 15.65 (0.05) 0.00 0.00

21.97 22.17 22.40 22.57 23.87 25.86 26.87 29.01 30.97 32.79 34.92 43.60 46.14 51.93 60.51 84.40 100.05 100.00 100.00 100.00

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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 31 Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 66 18 21 24 24 44 29 37 45 31 33 62 27 64 18 33 164 151 112 35 1,038

66 84 105 129 153 197 226 263 308 339 372 434 461 525 543 576 740 891 1,003 1,038

6.36 6.36 1.73 8.09 2.02 10.12 2.31 12.43 2.31 14.74 4.24 18.98 2.79 21.77 3.56 25.34 4.34 29.67 2.99 32.66 3.18 35.84 5.97 41.81 2.60 44.41 6.17 50.58 1.73 52.31 3.18 55.49 15.80 71.29 14.55 85.84 10.79 96.63 3.37 100.00

1,931.55 10.47 9.22 10.61 15.39 54.54 35.44 78.33 268.51 330.85 153.05 285.75 258.53 481.06 173.40 551.46 3,996.92 5,993.30 4,963.87 339.00 19,941.26

1,931.55 1,942.03 1,951.25 1,961.85 1,977.24 2,031.78 2,067.22 2,145.55 2,414.06 2,744.91 2,897.96 3,183.71 3,442.24 3,923.31 4,096.71 4,648.17 8,645.09 14,638.39 19,602.26 19,941.26

9.69 9.69 0.05 9.74 0.05 9.78 0.05 9.84 0.08 9.92 0.27 10.19 0.18 10.37 0.39 10.76 1.35 12.11 1.66 13.76 0.77 14.53 1.43 15.97 1.30 17.26 2.41 19.67 0.87 20.54 2.77 23.31 20.04 43.35 30.05 73.41 24.89 98.30 1.70 100.00

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

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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 4.32 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.32

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.32 100.00 100.00 4.32 0.00 100.00 4.32 0.00 100.00 4.32 0.00 100.00 4.32 0.00 100.00 4.32 0.00 100.00 4.32 0.00 100.00 4.32 0.00 100.00 4.32 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 1.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.14 0.13 0.11 0.11 0.09 0.05 0.03 0.02 0.02

0.02

Page 170 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 32 Recreation Place

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 41 28 10 9 11 2 4 10 1 6 1 2 1 23 2 22 5 12 6 6 202

41 69 79 88 99 101 105 115 116 122 123 125 126 149 151 173 178 190 196 202

20.30 20.30 13.86 34.16 4.95 39.11 4.46 43.56 5.45 49.01 0.99 50.00 1.98 51.98 4.95 56.93 0.50 57.43 2.97 60.40 0.50 60.89 0.99 61.88 0.50 62.38 11.39 73.76 0.99 74.75 10.89 85.64 2.48 88.12 5.94 94.06 2.97 97.03 2.97 100.00

680.88 210.05 16.86 4.71 10.04 1.61 5.48 48.93 9.96 410.22 0.04 19.99 0.39 1,493.68 4.82 1,739.13 63.36 358.45 36.32 79.04 5,193.94

680.88 890.92 907.79 912.49 922.54 924.15 929.62 978.56 988.51 1,398.73 1,398.77 1,418.76 1,419.15 2,912.83 2,917.65 4,656.78 4,720.14 5,078.59 5,114.91 5,193.94

13.11 13.11 4.04 17.15 0.32 17.48 0.09 17.57 0.19 17.76 0.03 17.79 0.11 17.90 0.94 18.84 0.19 19.03 7.90 26.93 0.00 26.93 0.38 27.32 0.01 27.32 28.76 56.08 0.09 56.17 33.48 89.66 1.22 90.88 6.90 97.78 0.70 98.48 1.52 100.00

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

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 7 100.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 0.00 146.02

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 146.02 100.00 100.00 184.75

146.02

2.81

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.81

Page 171 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 40 Non Estate Plantation Risk

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 894 354 138 68 111 60 38 48 25 13 6 5 11 12 20 25 34 23 34 6 1,925

894 1,248 1,386 1,454 1,565 1,625 1,663 1,711 1,736 1,749 1,755 1,760 1,771 1,783 1,803 1,828 1,862 1,885 1,919 1,925

46.44 46.44 18.39 64.83 7.17 72.00 3.53 75.53 5.77 81.30 3.12 84.42 1.97 86.39 2.49 88.88 1.30 90.18 0.68 90.86 0.31 91.17 0.26 91.43 0.57 92.00 0.62 92.62 1.04 93.66 1.30 94.96 1.77 96.73 1.19 97.92 1.77 99.69 0.31 100.00

463.14 87.54 114.32 27.44 89.53 49.59 49.32 88.14 177.30 305.75 16.85 45.23 116.70 163.67 397.14 861.85 898.96 288.31 714.21 42.51 4,997.49

463.14 550.68 665.00 692.43 781.97 831.56 880.88 969.01 1,146.32 1,452.07 1,468.92 1,514.15 1,630.85 1,794.51 2,191.65 3,053.50 3,952.46 4,240.77 4,954.98 4,997.49

9.27 9.27 1.75 11.02 2.29 13.31 0.55 13.86 1.79 15.65 0.99 16.64 0.99 17.63 1.76 19.39 3.55 22.94 6.12 29.06 0.34 29.39 0.91 30.30 2.34 32.63 3.27 35.91 7.95 43.86 17.25 61.10 17.99 79.09 5.77 84.86 14.29 99.15 0.85 100.00

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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 172 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 01 - NANGGROE ACEH DARUSSALAM

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,436 2,341 3,612 1,925 1,832 601 491 321 152 91 69 70 52 77 38 70 37 30 11 9 13,265

1,436 3,777 7,389 9,314 11,146 11,747 12,238 12,559 12,711 12,802 12,871 12,941 12,993 13,070 13,108 13,178 13,215 13,245 13,256 13,265

10.83 10.83 17.65 28.47 27.23 55.70 14.51 70.21 13.81 84.03 4.53 88.56 3.70 92.26 2.42 94.68 1.15 95.82 0.69 96.51 0.52 97.03 0.53 97.56 0.39 97.95 0.58 98.53 0.29 98.82 0.53 99.34 0.28 99.62 0.23 99.85 0.08 99.93 0.07 100.00

463.38 407.30 1,264.42 1,118.39 1,697.71 827.97 999.16 855.44 519.40 273.90 273.17 428.04 293.26 534.50 418.01 954.71 630.55 440.08 208.63 1,669.53 14,277.54

463.38 870.67 2,135.09 3,253.49 4,951.20 5,779.17 6,778.32 7,633.76 8,153.16 8,427.06 8,700.23 9,128.27 9,421.53 9,956.03 10,374.04 11,328.74 11,959.30 12,399.37 12,608.01 14,277.54

3.25 3.25 2.85 6.10 8.86 14.95 7.83 22.79 11.89 34.68 5.80 40.48 7.00 47.48 5.99 53.47 3.64 57.10 1.92 59.02 1.91 60.94 3.00 63.93 2.05 65.99 3.74 69.73 2.93 72.66 6.69 79.35 4.42 83.76 3.08 86.85 1.46 88.31 11.69 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 2 2 0 0 0 6 3 0 0 0 0 0 0 0 0 0 0 0 13

0 0 2 4 4 4 4 10 13 13 13 13 13 13 13 13 13 13 13 13

0.00 0.00 15.38 15.38 0.00 0.00 0.00 46.15 23.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 15.38 30.77 30.77 30.77 30.77 76.92 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 121.28 56.04 0.00 0.00 0.00 345.62 434.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 957.12

0.00 0.00 121.28 177.32 177.32 177.32 177.32 522.93 957.12 957.12 957.12 957.12 957.12 957.12 957.12 957.12 957.12 957.12 957.12 957.12

0.00 0.00 12.67 5.86 0.00 0.00 0.00 36.11 45.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 12.67 18.53 18.53 18.53 18.53 54.64 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 9.59 5.01 0.00 0.00 0.00 40.40 83.59 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 5.68 5.45 3.58 3.07 2.62 6.85 11.74 11.36 11.00 10.49 10.16 9.61 9.23 8.45 8.00 7.72 7.59 6.70

6.70

Page 173 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 02 - SUMATERA UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 10,526 10,123 14,577 9,967 11,547 5,690 4,096 3,586 2,232 1,413 1,200 1,468 1,005 1,242 735 1,059 940 478 402 106 82,392

10,526 20,649 35,226 45,193 56,740 62,430 66,526 70,112 72,344 73,757 74,957 76,425 77,430 78,672 79,407 80,466 81,406 81,884 82,286 82,392

12.78 12.78 12.29 25.06 17.69 42.75 12.10 54.85 14.01 68.87 6.91 75.77 4.97 80.74 4.35 85.10 2.71 87.80 1.71 89.52 1.46 90.98 1.78 92.76 1.22 93.98 1.51 95.48 0.89 96.38 1.29 97.66 1.14 98.80 0.58 99.38 0.49 99.87 0.13 100.00

6,479.93 1,421.39 3,805.30 4,651.41 8,410.58 6,313.65 6,130.07 6,657.17 5,037.51 3,999.53 3,409.16 4,790.76 4,061.65 6,707.88 6,088.80 11,298.73 13,179.31 10,599.96 14,883.00 4,527.99 132,453.78

6,479.93 7,901.32 11,706.62 16,358.03 24,768.61 31,082.26 37,212.33 43,869.50 48,907.01 52,906.54 56,315.70 61,106.46 65,168.11 71,875.99 77,964.79 89,263.52 102,442.83 113,042.79 127,925.79 132,453.78

4.89 4.89 1.07 5.97 2.87 8.84 3.51 12.35 6.35 18.70 4.77 23.47 4.63 28.09 5.03 33.12 3.80 36.92 3.02 39.94 2.57 42.52 3.62 46.13 3.07 49.20 5.06 54.26 4.60 58.86 8.53 67.39 9.95 77.34 8.00 85.35 11.24 96.58 3.42 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 2 6 0 0 8 4 12 0 2 6 4 0 4 0 0 0 2 0 0 56

6 8 14 14 14 22 26 38 38 40 46 50 50 54 54 54 54 56 56 56

10.71 10.71 3.57 14.29 10.71 25.00 0.00 25.00 0.00 25.00 14.29 39.29 7.14 46.43 21.43 67.86 0.00 67.86 3.57 71.43 10.71 82.14 7.14 89.29 0.00 89.29 7.14 96.43 0.00 96.43 0.00 96.43 0.00 96.43 3.57 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 12.32 13.74 48.25 0.00 0.00 688.66 95.03 1,164.78 0.00 0.91 110.98 15.94 0.00 6,721.91 0.00 0.00 0.00 82.99 0.00 0.00 8,955.51

12.32 26.06 74.31 74.31 74.31 762.97 858.00 2,022.78 2,022.78 2,023.70 2,134.67 2,150.61 2,150.61 8,872.52 8,872.52 8,872.52 8,872.52 8,955.51 8,955.51 8,955.51

0.14 0.14 0.19 0.15 0.29 0.97 0.54 0.83 1.27 0.00 0.83 0.00 0.00 0.83 0.00 7.69 8.52 10.91 1.06 9.58 1.55 13.01 22.59 17.50 0.00 22.59 0.00 0.01 22.60 0.02 1.24 23.84 3.26 0.18 24.01 0.33 0.00 24.01 0.00 75.06 99.07 100.21 0.00 99.07 0.00 0.00 99.07 0.00 0.00 99.07 0.00 0.93 100.00 0.78 0.00 100.00 0.00 0.00 100.00 0.00

0.19 0.33 0.63 0.45 0.30 2.45 2.31 4.61 4.14 3.83 3.79 3.52 3.30 12.34 11.38 9.94 8.66 7.92 7.00 6.76

6.76

Page 174 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 03 - SUMATERA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,132 5,865 10,102 6,766 6,339 2,517 1,968 1,395 908 526 474 588 593 641 440 488 205 62 33 15 44,057

4,132 9,997 20,099 26,865 33,204 35,721 37,689 39,084 39,992 40,518 40,992 41,580 42,173 42,814 43,254 43,742 43,947 44,009 44,042 44,057

9.38 9.38 13.31 22.69 22.93 45.62 15.36 60.98 14.39 75.37 5.71 81.08 4.47 85.55 3.17 88.71 2.06 90.77 1.19 91.97 1.08 93.04 1.33 94.38 1.35 95.72 1.45 97.18 1.00 98.18 1.11 99.29 0.47 99.75 0.14 99.89 0.07 99.97 0.03 100.00

1,831.22 926.73 2,847.05 2,599.17 14,697.06 2,784.55 3,106.11 2,739.11 1,930.12 1,151.64 1,160.77 1,341.94 1,496.91 1,950.97 1,552.25 2,988.08 2,643.02 928.95 408.45 232.03 49,316.12

1,831.22 2,757.95 5,605.00 8,204.16 22,901.22 25,685.77 28,791.88 31,530.99 33,461.11 34,612.76 35,773.53 37,115.47 38,612.37 40,563.34 42,115.59 45,103.68 47,746.69 48,675.65 49,084.09 49,316.12

3.71 3.71 1.88 5.59 5.77 11.37 5.27 16.64 29.80 46.44 5.65 52.08 6.30 58.38 5.55 63.94 3.91 67.85 2.34 70.19 2.35 72.54 2.72 75.26 3.04 78.30 3.96 82.25 3.15 85.40 6.06 91.46 5.36 96.82 1.88 98.70 0.83 99.53 0.47 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 5 0 0 0 0 2 0 0 0 0 0 0 0 2 0 0 9

0 0 0 0 5 5 5 5 5 7 7 7 7 7 7 7 7 9 9 9

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 55.56 55.56 0.00 55.56 0.00 55.56 0.00 55.56 0.00 55.56 22.22 77.78 0.00 77.78 0.00 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 0.00 100.00 0.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 204.20 0.00 0.00 0.00 0.00 90.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 26.58 0.00 0.00 321.31

0.00 0.00 0.00 0.00 204.20 204.20 204.20 204.20 204.20 294.73 294.73 294.73 294.73 294.73 294.73 294.73 294.73 321.31 321.31 321.31

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 63.55 63.55 0.00 63.55 0.00 63.55 0.00 63.55 0.00 63.55 28.17 91.73 0.00 91.73 0.00 91.73 0.00 91.73 0.00 91.73 0.00 91.73 0.00 91.73 0.00 91.73 8.27 100.00 0.00 100.00 0.00 100.00

0.00 0.00 0.00 0.00 1.39 0.00 0.00 0.00 0.00 7.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.86 0.00 0.00

0.00 0.00 0.00 0.00 0.89 0.80 0.71 0.65 0.61 0.85 0.82 0.79 0.76 0.73 0.70 0.65 0.62 0.66 0.65 0.65

0.65

Page 175 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 04 - RIAU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,510 4,859 7,504 5,765 6,265 2,711 1,874 1,787 1,038 664 593 690 552 565 437 563 443 293 294 59 40,466

3,510 8,369 15,873 21,638 27,903 30,614 32,488 34,275 35,313 35,977 36,570 37,260 37,812 38,377 38,814 39,377 39,820 40,113 40,407 40,466

8.67 8.67 12.01 20.68 18.54 39.23 14.25 53.47 15.48 68.95 6.70 75.65 4.63 80.28 4.42 84.70 2.57 87.27 1.64 88.91 1.47 90.37 1.71 92.08 1.36 93.44 1.40 94.84 1.08 95.92 1.39 97.31 1.09 98.40 0.72 99.13 0.73 99.85 0.15 100.00

1,661.27 1,052.50 2,260.86 3,054.06 5,718.08 3,563.54 3,203.64 3,144.59 2,208.06 1,483.81 1,575.91 1,787.73 1,673.91 1,781.32 1,735.04 3,873.33 5,090.08 3,865.02 4,352.40 661.49 53,746.64

1,661.27 2,713.77 4,974.63 8,028.69 13,746.77 17,310.31 20,513.95 23,658.54 25,866.60 27,350.41 28,926.32 30,714.04 32,387.95 34,169.27 35,904.31 39,777.64 44,867.72 48,732.74 53,085.15 53,746.64

3.09 3.09 1.96 5.05 4.21 9.26 5.68 14.94 10.64 25.58 6.63 32.21 5.96 38.17 5.85 44.02 4.11 48.13 2.76 50.89 2.93 53.82 3.33 57.15 3.11 60.26 3.31 63.57 3.23 66.80 7.21 74.01 9.47 83.48 7.19 90.67 8.10 98.77 1.23 100.00

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

4 4 6 6 6 10 10 12 12 12 12 12 12 12 12 12 12 12 12 12

33.33 0.00 16.67 0.00 0.00 33.33 0.00 16.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

33.33 33.33 50.00 50.00 50.00 83.33 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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,974.49 0.00 134.30 0.00 0.00 281.62 0.00 60.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,450.64

2,974.49 2,974.49 3,108.79 3,108.79 3,108.79 3,390.41 3,390.41 3,450.64 3,450.64 3,450.64 3,450.64 3,450.64 3,450.64 3,450.64 3,450.64 3,450.64 3,450.64 3,450.64 3,450.64 3,450.64

86.20 0.00 3.89 0.00 0.00 8.16 0.00 1.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

86.20 179.05 179.05 86.20 0.00 109.61 90.09 5.94 62.49 90.09 0.00 38.72 90.09 0.00 22.61 98.25 7.90 19.59 98.25 0.00 16.53 100.00 1.92 14.59 100.00 0.00 13.34 100.00 0.00 12.62 100.00 0.00 11.93 100.00 0.00 11.23 100.00 0.00 10.65 100.00 0.00 10.10 100.00 0.00 9.61 100.00 0.00 8.67 100.00 0.00 7.69 100.00 0.00 7.08 100.00 0.00 6.50 100.00 0.00 6.42 6.42

Page 176 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 05 - JAMBI

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,670 2,096 2,848 1,794 1,685 722 477 407 231 147 111 122 90 151 85 116 69 68 56 14 12,959

1,670 3,766 6,614 8,408 10,093 10,815 11,292 11,699 11,930 12,077 12,188 12,310 12,400 12,551 12,636 12,752 12,821 12,889 12,945 12,959

12.89 12.89 16.17 29.06 21.98 51.04 13.84 64.88 13.00 77.88 5.57 83.46 3.68 87.14 3.14 90.28 1.78 92.06 1.13 93.19 0.86 94.05 0.94 94.99 0.69 95.69 1.17 96.85 0.66 97.51 0.90 98.40 0.53 98.94 0.52 99.46 0.43 99.89 0.11 100.00

597.19 349.73 941.14 1,142.45 1,632.29 1,042.81 946.08 825.67 650.68 475.09 270.18 494.01 398.79 930.07 591.46 1,097.21 1,041.53 1,338.45 625.76 1,922.57 17,313.17

597.19 946.92 1,888.06 3,030.52 4,662.81 5,705.62 6,651.70 7,477.37 8,128.06 8,603.14 8,873.32 9,367.33 9,766.12 10,696.19 11,287.65 12,384.87 13,426.40 14,764.85 15,390.61 17,313.17

3.45 3.45 2.02 5.47 5.44 10.91 6.60 17.50 9.43 26.93 6.02 32.96 5.46 38.42 4.77 43.19 3.76 46.95 2.74 49.69 1.56 51.25 2.85 54.11 2.30 56.41 5.37 61.78 3.42 65.20 6.34 71.53 6.02 77.55 7.73 85.28 3.61 88.90 11.10 100.00

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

0 0 0 0 0 2 4 4 4 4 4 4 4 4 4 4 4 4 4 4

0.00 0.00 0.00 0.00 0.00 50.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 50.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 15.57 990.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,006.37

0.00 0.00 0.00 0.00 0.00 15.57 1,006.37 1,006.37 1,006.37 1,006.37 1,006.37 1,006.37 1,006.37 1,006.37 1,006.37 1,006.37 1,006.37 1,006.37 1,006.37 1,006.37

0.00 0.00 0.00 0.00 0.00 1.55 98.45 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.55 1.49 100.00 104.73 100.00 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 0.00 0.27 15.13 13.46 12.38 11.70 11.34 10.74 10.30 9.41 8.92 8.13 7.50 6.82 6.54 5.81

5.81

Page 177 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 06 - SUMATERA SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,385 3,110 5,445 3,691 4,187 1,986 1,581 1,229 869 518 506 577 502 506 468 594 391 188 275 85 30,093

3,385 6,495 11,940 15,631 19,818 21,804 23,385 24,614 25,483 26,001 26,507 27,084 27,586 28,092 28,560 29,154 29,545 29,733 30,008 30,093

11.25 11.25 10.33 21.58 18.09 39.68 12.27 51.94 13.91 65.86 6.60 72.46 5.25 77.71 4.08 81.79 2.89 84.68 1.72 86.40 1.68 88.08 1.92 90.00 1.67 91.67 1.68 93.35 1.56 94.91 1.97 96.88 1.30 98.18 0.62 98.80 0.91 99.72 0.28 100.00

1,534.15 432.51 1,293.70 1,674.20 3,229.29 2,369.50 2,660.36 2,267.18 1,904.69 1,034.46 1,053.67 1,457.71 1,246.35 1,703.75 1,806.09 3,664.47 3,353.41 2,216.38 4,908.28 2,192.78 42,002.94

1,534.15 1,966.66 3,260.36 4,934.56 8,163.85 10,533.36 13,193.71 15,460.89 17,365.58 18,400.04 19,453.71 20,911.42 22,157.77 23,861.52 25,667.60 29,332.07 32,685.49 34,901.87 39,810.15 42,002.94

3.65 3.65 1.03 4.68 3.08 7.76 3.99 11.75 7.69 19.44 5.64 25.08 6.33 31.41 5.40 36.81 4.53 41.34 2.46 43.81 2.51 46.32 3.47 49.79 2.97 52.75 4.06 56.81 4.30 61.11 8.72 69.83 7.98 77.82 5.28 83.09 11.69 94.78 5.22 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 5 0 0 2 0 2 4 0 0 2 0 0 0 4 0 0 0 0 0 2 21

5 5 5 7 7 9 13 13 13 15 15 15 15 19 19 19 19 19 19 21

23.81 23.81 0.00 23.81 0.00 23.81 9.52 33.33 0.00 33.33 9.52 42.86 19.05 61.90 0.00 61.90 0.00 61.90 9.52 71.43 0.00 71.43 0.00 71.43 0.00 71.43 19.05 90.48 0.00 90.48 0.00 90.48 0.00 90.48 0.00 90.48 0.00 90.48 9.52 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 289.05 0.00 0.00 7.00 0.00 50.00 51.59 0.00 0.00 4.88 0.00 0.00 0.00 785.68 0.00 0.00 0.00 0.00 0.00 17.42 1,205.60

289.05 289.05 289.05 296.05 296.05 346.05 397.63 397.63 397.63 402.51 402.51 402.51 402.51 1,188.19 1,188.19 1,188.19 1,188.19 1,188.19 1,188.19 1,205.60

23.98 23.98 0.00 23.98 0.00 23.98 0.58 24.56 0.00 24.56 4.15 28.70 4.28 32.98 0.00 32.98 0.00 32.98 0.40 33.39 0.00 33.39 0.00 33.39 0.00 33.39 65.17 98.56 0.00 98.56 0.00 98.56 0.00 98.56 0.00 98.56 0.00 98.56 1.44 100.00

18.84 0.00 0.00 0.42 0.00 2.11 1.94 0.00 0.00 0.47 0.00 0.00 0.00 46.11 0.00 0.00 0.00 0.00 0.00 0.79

18.84 14.70 8.87 6.00 3.63 3.29 3.01 2.57 2.29 2.19 2.07 1.92 1.82 4.98 4.63 4.05 3.64 3.40 2.98 2.87

2.87

Page 178 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 07 - BENGKULU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,835 2,365 3,128 1,869 1,532 592 369 235 129 81 94 99 83 91 57 73 50 26 6 9 12,723

1,835 4,200 7,328 9,197 10,729 11,321 11,690 11,925 12,054 12,135 12,229 12,328 12,411 12,502 12,559 12,632 12,682 12,708 12,714 12,723

14.42 14.42 18.59 33.01 24.59 57.60 14.69 72.29 12.04 84.33 4.65 88.98 2.90 91.88 1.85 93.73 1.01 94.74 0.64 95.38 0.74 96.12 0.78 96.90 0.65 97.55 0.72 98.26 0.45 98.71 0.57 99.28 0.39 99.68 0.20 99.88 0.05 99.93 0.07 100.00

425.42 348.95 805.76 787.74 1,205.70 680.21 647.53 440.01 267.88 181.83 263.80 236.51 211.72 418.69 521.13 611.42 603.89 341.82 90.47 124.05 9,214.53

425.42 774.37 1,580.13 2,367.87 3,573.57 4,253.78 4,901.31 5,341.32 5,609.20 5,791.03 6,054.83 6,291.34 6,503.06 6,921.75 7,442.88 8,054.30 8,658.20 9,000.01 9,090.48 9,214.53

4.62 4.62 3.79 8.40 8.74 17.15 8.55 25.70 13.08 38.78 7.38 46.16 7.03 53.19 4.78 57.97 2.91 60.87 1.97 62.85 2.86 65.71 2.57 68.28 2.30 70.57 4.54 75.12 5.66 80.77 6.64 87.41 6.55 93.96 3.71 97.67 0.98 98.65 1.35 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 2 0 0 0 0 0 3 0 0 0 0 0 0 0 0 0 0 0 5

0 0 2 2 2 2 2 2 5 5 5 5 5 5 5 5 5 5 5 5

0.00 0.00 40.00 0.00 0.00 0.00 0.00 0.00 60.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 40.00 40.00 40.00 40.00 40.00 40.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 6.39 0.00 0.00 0.00 0.00 0.00 458.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 464.81

0.00 0.00 6.39 6.39 6.39 6.39 6.39 6.39 464.81 464.81 464.81 464.81 464.81 464.81 464.81 464.81 464.81 464.81 464.81 464.81

0.00 0.00 1.38 0.00 0.00 0.00 0.00 0.00 98.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 1.38 0.79 1.38 0.00 1.38 0.00 1.38 0.00 1.38 0.00 1.38 0.00 100.00 171.12 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

0.00 0.00 0.40 0.27 0.18 0.15 0.13 0.12 8.29 8.03 7.68 7.39 7.15 6.72 6.24 5.77 5.37 5.16 5.11 5.04

5.04

Page 179 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 08 - LAMPUNG

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,972 3,631 5,405 2,809 2,764 1,284 914 684 448 265 268 301 196 283 188 337 313 147 216 91 23,516

2,972 6,603 12,008 14,817 17,581 18,865 19,779 20,463 20,911 21,176 21,444 21,745 21,941 22,224 22,412 22,749 23,062 23,209 23,425 23,516

12.64 12.64 15.44 28.08 22.98 51.06 11.95 63.01 11.75 74.76 5.46 80.22 3.89 84.11 2.91 87.02 1.91 88.92 1.13 90.05 1.14 91.19 1.28 92.47 0.83 93.30 1.20 94.51 0.80 95.31 1.43 96.74 1.33 98.07 0.63 98.69 0.92 99.61 0.39 100.00

1,026.33 401.76 1,173.38 1,177.39 2,067.49 1,494.49 1,246.16 1,402.89 1,204.22 814.77 795.83 1,183.84 716.37 1,350.20 1,282.59 2,964.39 4,137.73 2,129.20 4,534.54 44,177.96 75,281.52

1,026.33 1,428.09 2,601.47 3,778.86 5,846.35 7,340.84 8,586.99 9,989.89 11,194.10 12,008.87 12,804.70 13,988.54 14,704.91 16,055.11 17,337.70 20,302.09 24,439.82 26,569.02 31,103.56 75,281.52

1.36 1.36 0.53 1.90 1.56 3.46 1.56 5.02 2.75 7.77 1.99 9.75 1.66 11.41 1.86 13.27 1.60 14.87 1.08 15.95 1.06 17.01 1.57 18.58 0.95 19.53 1.79 21.33 1.70 23.03 3.94 26.97 5.50 32.46 2.83 35.29 6.02 41.32 58.68 100.00

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

0 0 0 2 2 2 2 2 2 2 2 2 2 2 2 4 4 4 8 8

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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.74 0.00 0.00 123.06 0.00 137.67

0.00 0.00 0.00 0.86 0.86 0.86 0.86 0.86 0.86 0.86 0.86 0.86 0.86 0.86 0.86 14.60 14.60 14.60 137.67 137.67

0.00 0.00 0.00 0.00 0.00 0.00 0.63 0.63 0.00 0.63 0.00 0.63 0.00 0.63 0.00 0.63 0.00 0.63 0.00 0.63 0.00 0.63 0.00 0.63 0.00 0.63 0.00 0.63 0.00 0.63 9.98 10.61 0.00 10.61 0.00 10.61 89.39 100.00 0.00 100.00

0.00 0.00 0.00 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.46 0.00 0.00 2.71 0.00

0.00 0.00 0.00 0.02 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.00 0.07 0.06 0.05 0.44 0.18

0.18

Page 180 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 09 - DAERAH KHUSUS IBUKOTA JAKARTA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 18,016 13,313 22,947 19,852 31,770 21,226 17,495 15,739 10,356 6,321 5,772 7,116 5,647 6,823 4,656 5,990 4,035 1,559 1,751 646 221,030

18,016 31,329 54,276 74,128 105,898 127,124 144,619 160,358 170,714 177,035 182,807 189,923 195,570 202,393 207,049 213,039 217,074 218,633 220,384 221,030

8.15 8.15 6.02 14.17 10.38 24.56 8.98 33.54 14.37 47.91 9.60 57.51 7.92 65.43 7.12 72.55 4.69 77.24 2.86 80.10 2.61 82.71 3.22 85.93 2.55 88.48 3.09 91.57 2.11 93.67 2.71 96.38 1.83 98.21 0.71 98.92 0.79 99.71 0.29 100.00

15,311.66 2,346.91 6,019.74 7,763.67 19,513.07 18,161.31 21,187.21 23,712.08 19,371.51 13,241.08 13,618.07 18,686.13 16,699.25 24,384.31 19,243.03 57,694.33 35,817.56 19,539.28 36,853.62 21,479.07 410,642.89

15,311.66 17,658.57 23,678.31 31,441.97 50,955.04 69,116.35 90,303.56 114,015.64 133,387.15 146,628.23 160,246.30 178,932.43 195,631.67 220,015.99 239,259.02 296,953.35 332,770.91 352,310.19 389,163.81 410,642.89

3.73 3.73 0.57 4.30 1.47 5.77 1.89 7.66 4.75 12.41 4.42 16.83 5.16 21.99 5.77 27.77 4.72 32.48 3.22 35.71 3.32 39.02 4.55 43.57 4.07 47.64 5.94 53.58 4.69 58.26 14.05 72.31 8.72 81.04 4.76 85.79 8.97 94.77 5.23 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 39 27 26 4 19 10 4 6 9 0 4 13 4 5 4 9 11 8 15 6 223

39 66 92 96 115 125 129 135 144 144 148 161 165 170 174 183 194 202 217 223

17.49 17.49 12.11 29.60 11.66 41.26 1.79 43.05 8.52 51.57 4.48 56.05 1.79 57.85 2.69 60.54 4.04 64.57 0.00 64.57 1.79 66.37 5.83 72.20 1.79 73.99 2.24 76.23 1.79 78.03 4.04 82.06 4.93 87.00 3.59 90.58 6.73 97.31 2.69 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,056.56 712.91 996.73 64.51 1,276.20 72.66 811.04 90.99 44.96 0.00 112.25 553.20 19.87 12.74 67.17 102.39 171.65 55.29 218.13 27.50 6,466.74

1,056.56 1,769.47 2,766.20 2,830.71 4,106.91 4,179.57 4,990.61 5,081.60 5,126.56 5,126.56 5,238.81 5,792.01 5,811.88 5,824.61 5,891.78 5,994.17 6,165.82 6,221.11 6,439.24 6,466.74

16.34 16.34 11.02 27.36 15.41 42.78 1.00 43.77 19.73 63.51 1.12 64.63 12.54 77.17 1.41 78.58 0.70 79.28 0.00 79.28 1.74 81.01 8.55 89.57 0.31 89.87 0.20 90.07 1.04 91.11 1.58 92.69 2.65 95.35 0.86 96.20 3.37 99.57 0.43 100.00

6.90 30.38 16.56 0.83 6.54 0.40 3.83 0.38 0.23 0.00 0.82 2.96 0.12 0.05 0.35 0.18 0.48 0.28 0.59 0.13

6.90 10.02 11.68 9.00 8.06 6.05 5.53 4.46 3.84 3.50 3.27 3.24 2.97 2.65 2.46 2.02 1.85 1.77 1.65 1.57

1.57

Page 181 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 10 - JAWA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 23,723 25,945 34,301 20,009 22,219 12,337 9,664 8,584 5,699 3,670 3,460 4,345 3,391 4,287 3,208 4,598 3,941 1,696 2,098 684 197,859

23,723 49,668 83,969 103,978 126,197 138,534 148,198 156,782 162,481 166,151 169,611 173,956 177,347 181,634 184,842 189,440 193,381 195,077 197,175 197,859

11.99 11.99 13.11 25.10 17.34 42.44 10.11 52.55 11.23 63.78 6.24 70.02 4.88 74.90 4.34 79.24 2.88 82.12 1.85 83.97 1.75 85.72 2.20 87.92 1.71 89.63 2.17 91.80 1.62 93.42 2.32 95.74 1.99 97.74 0.86 98.59 1.06 99.65 0.35 100.00

13,210.59 3,022.11 7,396.76 7,596.35 13,178.43 12,035.21 11,455.77 13,266.37 10,461.39 8,014.65 7,830.33 11,646.66 9,906.28 17,697.50 16,308.40 36,314.11 43,601.47 21,714.16 32,671.82 16,916.01 314,244.38

13,210.59 16,232.70 23,629.46 31,225.81 44,404.24 56,439.45 67,895.21 81,161.59 91,622.98 99,637.63 107,467.96 119,114.63 129,020.91 146,718.41 163,026.81 199,340.92 242,942.39 264,656.55 297,328.37 314,244.38

4.20 4.20 0.96 5.17 2.35 7.52 2.42 9.94 4.19 14.13 3.83 17.96 3.65 21.61 4.22 25.83 3.33 29.16 2.55 31.71 2.49 34.20 3.71 37.91 3.15 41.06 5.63 46.69 5.19 51.88 11.56 63.43 13.88 77.31 6.91 84.22 10.40 94.62 5.38 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 10 6 6 12 4 12 3 4 6 0 2 0 4 3 8 8 17 15 10 2 132

10 16 22 34 38 50 53 57 63 63 65 65 69 72 80 88 105 120 130 132

7.58 7.58 4.55 12.12 4.55 16.67 9.09 25.76 3.03 28.79 9.09 37.88 2.27 40.15 3.03 43.18 4.55 47.73 0.00 47.73 1.52 49.24 0.00 49.24 3.03 52.27 2.27 54.55 6.06 60.61 6.06 66.67 12.88 79.55 11.36 90.91 7.58 98.48 1.52 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 215.29 167.65 115.48 194.36 270.66 1,572.92 3.37 26.12 10.20 0.00 1.60 0.00 491.67 6.22 154.61 276.57 3,960.79 161.10 70.62 74.87 7,774.10

215.29 382.94 498.42 692.77 963.44 2,536.36 2,539.73 2,565.85 2,576.05 2,576.05 2,577.65 2,577.65 3,069.32 3,075.55 3,230.16 3,506.72 7,467.51 7,628.61 7,699.23 7,774.10

2.77 2.77 2.16 4.93 1.49 6.41 2.50 8.91 3.48 12.39 20.23 32.63 0.04 32.67 0.34 33.01 0.13 33.14 0.00 33.14 0.02 33.16 0.00 33.16 6.32 39.48 0.08 39.56 1.99 41.55 3.56 45.11 50.95 96.06 2.07 98.13 0.91 99.04 0.96 100.00

1.63 5.55 1.56 2.56 2.05 13.07 0.03 0.20 0.10 0.00 0.02 0.00 4.96 0.04 0.95 0.76 9.08 0.74 0.22 0.44

1.63 2.36 2.11 2.22 2.17 4.49 3.74 3.16 2.81 2.59 2.40 2.16 2.38 2.10 1.98 1.76 3.07 2.88 2.59 2.47

2.47

Page 182 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 11 - JAWA TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 21,061 19,410 20,644 9,630 9,588 5,330 3,680 3,612 2,079 1,395 1,178 1,396 1,148 1,554 1,050 1,669 1,136 435 494 231 106,720

21,061 40,471 61,115 70,745 80,333 85,663 89,343 92,955 95,034 96,429 97,607 99,003 100,151 101,705 102,755 104,424 105,560 105,995 106,489 106,720

19.73 19.73 18.19 37.92 19.34 57.27 9.02 66.29 8.98 75.27 4.99 80.27 3.45 83.72 3.38 87.10 1.95 89.05 1.31 90.36 1.10 91.46 1.31 92.77 1.08 93.84 1.46 95.30 0.98 96.28 1.56 97.85 1.06 98.91 0.41 99.32 0.46 99.78 0.22 100.00

4,389.07 2,145.19 4,254.53 3,503.99 6,002.54 5,271.32 4,823.46 6,726.08 4,574.56 4,149.21 3,276.16 5,174.22 5,113.32 10,427.76 6,602.56 17,520.83 14,977.96 7,372.74 15,110.26 13,490.31 144,906.06

4,389.07 6,534.26 10,788.78 14,292.77 20,295.31 25,566.63 30,390.09 37,116.17 41,690.73 45,839.94 49,116.10 54,290.31 59,403.63 69,831.40 76,433.96 93,954.79 108,932.74 116,305.49 131,415.75 144,906.06

3.03 3.03 1.48 4.51 2.94 7.45 2.42 9.86 4.14 14.01 3.64 17.64 3.33 20.97 4.64 25.61 3.16 28.77 2.86 31.63 2.26 33.90 3.57 37.47 3.53 40.99 7.20 48.19 4.56 52.75 12.09 64.84 10.34 75.17 5.09 80.26 10.43 90.69 9.31 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 7 0 8 2 4 0 2 2 0 2 0 0 4 0 5 0 8 0 0 11 55

7 7 15 17 21 21 23 25 25 27 27 27 31 31 36 36 44 44 44 55

12.73 12.73 0.00 12.73 14.55 27.27 3.64 30.91 7.27 38.18 0.00 38.18 3.64 41.82 3.64 45.45 0.00 45.45 3.64 49.09 0.00 49.09 0.00 49.09 7.27 56.36 0.00 56.36 9.09 65.45 0.00 65.45 14.55 80.00 0.00 80.00 0.00 80.00 20.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 163.88 0.00 88.86 64.57 44.45 0.00 197.50 2.65 0.00 3.62 0.00 0.00 147.86 0.00 25.94 0.00 1,565.10 0.00 0.00 301.79 2,606.22

163.88 163.88 252.74 317.31 361.75 361.75 559.25 561.90 561.90 565.53 565.53 565.53 713.39 713.39 739.33 739.33 2,304.43 2,304.43 2,304.43 2,606.22

6.29 6.29 0.00 6.29 3.41 9.70 2.48 12.17 1.71 13.88 0.00 13.88 7.58 21.46 0.10 21.56 0.00 21.56 0.14 21.70 0.00 21.70 0.00 21.70 5.67 27.37 0.00 27.37 1.00 28.37 0.00 28.37 60.05 88.42 0.00 88.42 0.00 88.42 11.58 100.00

3.73 0.00 2.09 1.84 0.74 0.00 4.09 0.04 0.00 0.09 0.00 0.00 2.89 0.00 0.39 0.00 10.45 0.00 0.00 2.24

3.73 2.51 2.34 2.22 1.78 1.41 1.84 1.51 1.35 1.23 1.15 1.04 1.20 1.02 0.97 0.79 2.12 1.98 1.75 1.80

1.80

Page 183 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 12 - DAERAH ISTIMEWA YOGYAKARTA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,839 1,587 2,136 1,301 1,444 961 696 617 359 242 186 239 195 265 153 248 153 60 37 18 12,736

1,839 3,426 5,562 6,863 8,307 9,268 9,964 10,581 10,940 11,182 11,368 11,607 11,802 12,067 12,220 12,468 12,621 12,681 12,718 12,736

14.44 14.44 12.46 26.90 16.77 43.67 10.22 53.89 11.34 65.22 7.55 72.77 5.46 78.23 4.84 83.08 2.82 85.90 1.90 87.80 1.46 89.26 1.88 91.14 1.53 92.67 2.08 94.75 1.20 95.95 1.95 97.90 1.20 99.10 0.47 99.57 0.29 99.86 0.14 100.00

538.62 162.56 507.99 476.53 725.83 898.99 806.86 971.12 941.11 760.22 496.95 790.27 751.79 1,478.00 919.55 1,986.32 1,376.38 817.39 945.86 176.74 16,529.07

538.62 701.18 1,209.17 1,685.70 2,411.53 3,310.51 4,117.38 5,088.50 6,029.61 6,789.83 7,286.78 8,077.04 8,828.83 10,306.83 11,226.39 13,212.71 14,589.08 15,406.47 16,352.34 16,529.07

3.26 3.26 0.98 4.24 3.07 7.32 2.88 10.20 4.39 14.59 5.44 20.03 4.88 24.91 5.88 30.79 5.69 36.48 4.60 41.08 3.01 44.08 4.78 48.87 4.55 53.41 8.94 62.36 5.56 67.92 12.02 79.94 8.33 88.26 4.95 93.21 5.72 98.93 1.07 100.00

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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 184 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 13 - JAWA TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 16,618 17,815 24,374 14,089 16,719 9,764 7,197 6,777 4,224 2,566 2,075 2,587 1,945 2,504 1,788 2,865 2,230 1,049 1,096 407 138,689

16,618 34,433 58,807 72,896 89,615 99,379 106,576 113,353 117,577 120,143 122,218 124,805 126,750 129,254 131,042 133,907 136,137 137,186 138,282 138,689

11.98 11.98 12.85 24.83 17.57 42.40 10.16 52.56 12.06 64.62 7.04 71.66 5.19 76.85 4.89 81.73 3.05 84.78 1.85 86.63 1.50 88.12 1.87 89.99 1.40 91.39 1.81 93.20 1.29 94.49 2.07 96.55 1.61 98.16 0.76 98.92 0.79 99.71 0.29 100.00

8,220.00 2,911.53 4,779.85 4,936.54 9,701.02 9,021.02 8,868.27 11,583.42 9,118.65 6,909.12 6,483.16 9,248.81 8,235.70 13,653.97 12,673.35 27,792.78 28,640.70 15,054.55 19,082.99 1,549.84 218,465.26

8,220.00 11,131.54 15,911.39 20,847.92 30,548.94 39,569.97 48,438.24 60,021.66 69,140.30 76,049.42 82,532.57 91,781.38 100,017.08 113,671.05 126,344.40 154,137.18 182,777.88 197,832.43 216,915.42 218,465.26

3.76 3.76 1.33 5.10 2.19 7.28 2.26 9.54 4.44 13.98 4.13 18.11 4.06 22.17 5.30 27.47 4.17 31.65 3.16 34.81 2.97 37.78 4.23 42.01 3.77 45.78 6.25 52.03 5.80 57.83 12.72 70.55 13.11 83.66 6.89 90.56 8.74 99.29 0.71 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 13 0 0 4 6 0 4 2 2 2 0 5 5 6 5 0 6 0 4 0 64

13 13 13 17 23 23 27 29 31 33 33 38 43 49 54 54 60 60 64 64

20.31 20.31 0.00 20.31 0.00 20.31 6.25 26.56 9.38 35.94 0.00 35.94 6.25 42.19 3.13 45.31 3.13 48.44 3.13 51.56 0.00 51.56 7.81 59.38 7.81 67.19 9.38 76.56 7.81 84.38 0.00 84.38 9.38 93.75 0.00 93.75 6.25 100.00 0.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 151.90 0.00 0.00 71.22 547.10 0.00 77.70 0.41 109.45 57.60 0.00 211.87 4,093.84 221.75 182.90 0.00 71.02 0.00 382.60 0.00 6,179.35

151.90 151.90 151.90 223.12 770.22 770.22 847.92 848.33 957.78 1,015.38 1,015.38 1,227.24 5,321.09 5,542.83 5,725.73 5,725.73 5,796.75 5,796.75 6,179.35 6,179.35

2.46 2.46 0.00 2.46 0.00 2.46 1.15 3.61 8.85 12.46 0.00 12.46 1.26 13.72 0.01 13.73 1.77 15.50 0.93 16.43 0.00 16.43 3.43 19.86 66.25 86.11 3.59 89.70 2.96 92.66 0.00 92.66 1.15 93.81 0.00 93.81 6.19 100.00 0.00 100.00

1.85 0.00 0.00 1.44 5.64 0.00 0.88 0.00 1.20 0.83 0.00 2.29 49.71 1.62 1.44 0.00 0.25 0.00 2.00 0.00

1.85 1.36 0.95 1.07 2.52 1.95 1.75 1.41 1.39 1.34 1.23 1.34 5.32 4.88 4.53 3.71 3.17 2.93 2.85 2.83

2.83

Page 185 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 14 - KALIMANTAN BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,874 4,997 7,192 3,130 3,079 1,490 2,272 1,922 1,494 667 665 603 409 412 266 280 200 71 91 32 34,146

4,874 9,871 17,063 20,193 23,272 24,762 27,034 28,956 30,450 31,117 31,782 32,385 32,794 33,206 33,472 33,752 33,952 34,023 34,114 34,146

14.27 14.27 14.63 28.91 21.06 49.97 9.17 59.14 9.02 68.15 4.36 72.52 6.65 79.17 5.63 84.80 4.38 89.18 1.95 91.13 1.95 93.08 1.77 94.84 1.20 96.04 1.21 97.25 0.78 98.03 0.82 98.85 0.59 99.43 0.21 99.64 0.27 99.91 0.09 100.00

4,748.41 1,856.58 5,114.14 3,953.59 5,068.68 2,836.04 3,300.28 2,995.53 2,876.19 1,481.13 1,887.62 1,951.81 1,608.59 2,002.80 1,678.57 3,276.42 2,395.54 1,127.90 3,506.31 722.64 54,388.77

4,748.41 6,604.99 11,719.13 15,672.72 20,741.40 23,577.44 26,877.73 29,873.26 32,749.44 34,230.58 36,118.20 38,070.00 39,678.59 41,681.40 43,359.96 46,636.38 49,031.92 50,159.82 53,666.13 54,388.77

8.73 8.73 3.41 12.14 9.40 21.55 7.27 28.82 9.32 38.14 5.21 43.35 6.07 49.42 5.51 54.93 5.29 60.21 2.72 62.94 3.47 66.41 3.59 70.00 2.96 72.95 3.68 76.64 3.09 79.72 6.02 85.75 4.40 90.15 2.07 92.22 6.45 98.67 1.33 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 2 5 2 3 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 18

4 6 11 13 16 18 18 18 18 18 18 18 18 18 18 18 18 18 18 18

22.22 11.11 27.78 11.11 16.67 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

22.22 33.33 61.11 72.22 88.89 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,369.56 62.34 297.31 4.00 352.06 637.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,723.11

2,369.56 2,431.91 2,729.21 2,733.21 3,085.28 3,723.11 3,723.11 3,723.11 3,723.11 3,723.11 3,723.11 3,723.11 3,723.11 3,723.11 3,723.11 3,723.11 3,723.11 3,723.11 3,723.11 3,723.11

63.64 1.67 7.99 0.11 9.46 17.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

63.64 65.32 73.30 73.41 82.87 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

49.90 3.36 5.81 0.10 6.95 22.49 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

49.90 36.82 23.29 17.44 14.87 15.79 13.85 12.46 11.37 10.88 10.31 9.78 9.38 8.93 8.59 7.98 7.59 7.42 6.94 6.85

6.85

Page 186 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 15 - KALIMANTAN TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,991 1,755 2,102 1,047 1,137 511 387 296 185 107 86 114 99 105 94 109 100 47 84 15 10,371

1,991 3,746 5,848 6,895 8,032 8,543 8,930 9,226 9,411 9,518 9,604 9,718 9,817 9,922 10,016 10,125 10,225 10,272 10,356 10,371

19.20 19.20 16.92 36.12 20.27 56.39 10.10 66.48 10.96 77.45 4.93 82.37 3.73 86.11 2.85 88.96 1.78 90.74 1.03 91.78 0.83 92.60 1.10 93.70 0.95 94.66 1.01 95.67 0.91 96.58 1.05 97.63 0.96 98.59 0.45 99.05 0.81 99.86 0.14 100.00

292.94 332.28 802.92 679.06 1,059.53 799.13 683.22 663.98 574.66 322.59 259.37 371.92 443.96 447.91 561.83 995.03 1,256.37 572.12 1,334.56 191.48 12,644.86

292.94 625.22 1,428.13 2,107.19 3,166.72 3,965.85 4,649.07 5,313.05 5,887.71 6,210.30 6,469.68 6,841.59 7,285.55 7,733.46 8,295.29 9,290.33 10,546.69 11,118.82 12,453.38 12,644.86

2.32 2.32 2.63 4.94 6.35 11.29 5.37 16.66 8.38 25.04 6.32 31.36 5.40 36.77 5.25 42.02 4.54 46.56 2.55 49.11 2.05 51.16 2.94 54.11 3.51 57.62 3.54 61.16 4.44 65.60 7.87 73.47 9.94 83.41 4.52 87.93 10.55 98.49 1.51 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 4 2 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 10

2 6 8 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10

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

20.00 60.00 80.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.55 135.28 150.00 165.98 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 0.00 451.81

0.55 135.83 285.83 451.81 451.81 451.81 451.81 451.81 451.81 451.81 451.81 451.81 451.81 451.81 451.81 451.81 451.81 451.81 451.81 451.81

0.12 29.94 33.20 36.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.12 30.06 63.26 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.19 40.71 18.68 24.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.19 21.73 20.01 21.44 14.27 11.39 9.72 8.50 7.67 7.28 6.98 6.60 6.20 5.84 5.45 4.86 4.28 4.06 3.63 3.57

3.57

Page 187 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 16 - KALIMANTAN SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,534 3,020 4,005 2,038 1,957 944 592 600 298 233 178 187 203 239 176 248 161 90 68 47 17,818

2,534 5,554 9,559 11,597 13,554 14,498 15,090 15,690 15,988 16,221 16,399 16,586 16,789 17,028 17,204 17,452 17,613 17,703 17,771 17,818

14.22 14.22 16.95 31.17 22.48 53.65 11.44 65.09 10.98 76.07 5.30 81.37 3.32 84.69 3.37 88.06 1.67 89.73 1.31 91.04 1.00 92.04 1.05 93.09 1.14 94.22 1.34 95.57 0.99 96.55 1.39 97.95 0.90 98.85 0.51 99.35 0.38 99.74 0.26 100.00

1,229.94 372.34 885.07 794.16 1,384.77 1,075.69 941.42 1,213.64 757.40 659.36 526.64 698.69 725.03 1,127.95 995.57 1,875.42 1,640.82 1,181.14 1,666.87 639.86 20,391.75

1,229.94 1,602.28 2,487.34 3,281.50 4,666.27 5,741.96 6,683.37 7,897.02 8,654.41 9,313.77 9,840.41 10,539.11 11,264.13 12,392.08 13,387.65 15,263.06 16,903.88 18,085.02 19,751.89 20,391.75

6.03 6.03 1.83 7.86 4.34 12.20 3.89 16.09 6.79 22.88 5.28 28.16 4.62 32.77 5.95 38.73 3.71 42.44 3.23 45.67 2.58 48.26 3.43 51.68 3.56 55.24 5.53 60.77 4.88 65.65 9.20 74.85 8.05 82.90 5.79 88.69 8.17 96.86 3.14 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 0 0 1 6 0 0 0 2 0 0 0 0 0 0 0 0 0 0 0 10

1 1 1 2 8 8 8 8 10 10 10 10 10 10 10 10 10 10 10 10

10.00 0.00 0.00 10.00 60.00 0.00 0.00 0.00 20.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

10.00 10.00 10.00 20.00 80.00 80.00 80.00 80.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 363.19 0.00 0.00 0.00 11.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 374.76

0.00 0.00 0.00 0.00 363.19 363.19 363.19 363.19 374.76 374.76 374.76 374.76 374.76 374.76 374.76 374.76 374.76 374.76 374.76 374.76

0.00 0.00 0.00 0.00 96.91 0.00 0.00 0.00 3.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 96.91 96.91 96.91 96.91 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 26.23 0.00 0.00 0.00 1.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 7.78 6.33 5.43 4.60 4.33 4.02 3.81 3.56 3.33 3.02 2.80 2.46 2.22 2.07 1.90 1.84

1.84

Page 188 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 17 - KALIMANTAN TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,478 3,049 4,733 3,401 3,956 2,157 1,623 1,429 809 539 407 496 452 549 356 534 419 164 181 89 27,821

2,478 5,527 10,260 13,661 17,617 19,774 21,397 22,826 23,635 24,174 24,581 25,077 25,529 26,078 26,434 26,968 27,387 27,551 27,732 27,821

8.91 8.91 10.96 19.87 17.01 36.88 12.22 49.10 14.22 63.32 7.75 71.08 5.83 76.91 5.14 82.05 2.91 84.95 1.94 86.89 1.46 88.35 1.78 90.14 1.62 91.76 1.97 93.73 1.28 95.01 1.92 96.93 1.51 98.44 0.59 99.03 0.65 99.68 0.32 100.00

1,662.89 632.33 1,653.69 1,812.73 3,833.95 2,929.64 3,145.50 3,326.04 2,491.16 1,674.83 1,357.71 1,567.51 1,761.93 2,459.93 2,255.67 4,191.14 4,342.45 1,961.05 6,510.90 3,077.95 52,649.00

1,662.89 2,295.22 3,948.91 5,761.65 9,595.60 12,525.23 15,670.73 18,996.77 21,487.93 23,162.76 24,520.48 26,087.98 27,849.92 30,309.85 32,565.51 36,756.66 41,099.10 43,060.15 49,571.05 52,649.00

3.16 3.16 1.20 4.36 3.14 7.50 3.44 10.94 7.28 18.23 5.56 23.79 5.97 29.76 6.32 36.08 4.73 40.81 3.18 43.99 2.58 46.57 2.98 49.55 3.35 52.90 4.67 57.57 4.28 61.85 7.96 69.81 8.25 78.06 3.72 81.79 12.37 94.15 5.85 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 4 0 0 0 0 0 0 0 0 0 2 0 0 4 0 10

0 0 0 0 0 4 4 4 4 4 4 4 4 4 4 6 6 6 10 10

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 20.00 60.00 0.00 60.00 0.00 60.00 40.00 100.00 0.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 64.58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.00 0.00 0.00 234.84 0.00 316.42

0.00 0.00 0.00 0.00 0.00 64.58 64.58 64.58 64.58 64.58 64.58 64.58 64.58 64.58 64.58 81.58 81.58 81.58 316.42 316.42

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 20.41 20.41 0.00 20.41 0.00 20.41 0.00 20.41 0.00 20.41 0.00 20.41 0.00 20.41 0.00 20.41 0.00 20.41 0.00 20.41 5.37 25.78 0.00 25.78 0.00 25.78 74.22 100.00 0.00 100.00

0.00 0.00 0.00 0.00 0.00 2.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.41 0.00 0.00 3.61 0.00

0.00 0.00 0.00 0.00 0.00 0.52 0.41 0.34 0.30 0.28 0.26 0.25 0.23 0.21 0.20 0.22 0.20 0.19 0.64 0.60

0.60

Page 189 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 18 - SULAWESI UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,399 1,909 2,941 2,136 2,182 1,146 879 747 440 212 197 223 127 181 108 177 107 35 32 8 15,186

1,399 3,308 6,249 8,385 10,567 11,713 12,592 13,339 13,779 13,991 14,188 14,411 14,538 14,719 14,827 15,004 15,111 15,146 15,178 15,186

9.21 9.21 12.57 21.78 19.37 41.15 14.07 55.22 14.37 69.58 7.55 77.13 5.79 82.92 4.92 87.84 2.90 90.73 1.40 92.13 1.30 93.43 1.47 94.90 0.84 95.73 1.19 96.92 0.71 97.64 1.17 98.80 0.70 99.51 0.23 99.74 0.21 99.95 0.05 100.00

545.43 308.15 839.47 940.72 1,620.55 1,503.83 1,558.46 1,898.09 1,524.84 947.09 949.34 1,184.74 678.46 1,203.43 1,277.30 2,247.42 1,266.95 667.29 475.47 164.53 21,801.56

545.43 853.58 1,693.05 2,633.78 4,254.33 5,758.16 7,316.61 9,214.71 10,739.55 11,686.63 12,635.98 13,820.71 14,499.17 15,702.60 16,979.90 19,227.32 20,494.27 21,161.57 21,637.03 21,801.56

2.50 2.50 1.41 3.92 3.85 7.77 4.31 12.08 7.43 19.51 6.90 26.41 7.15 33.56 8.71 42.27 6.99 49.26 4.34 53.60 4.35 57.96 5.43 63.39 3.11 66.51 5.52 72.03 5.86 77.88 10.31 88.19 5.81 94.00 3.06 97.06 2.18 99.25 0.75 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 2 4 3 2 0 2 0 0 0 0 0 0 0 0 0 0 0 0 13

0 0 2 6 9 11 11 13 13 13 13 13 13 13 13 13 13 13 13 13

0.00 0.00 15.38 30.77 23.08 15.38 0.00 15.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 15.38 46.15 69.23 84.62 84.62 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 164.31 193.05 317.04 17.52 0.00 804.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,496.09

0.00 0.00 164.31 357.36 674.40 691.92 691.92 1,496.09 1,496.09 1,496.09 1,496.09 1,496.09 1,496.09 1,496.09 1,496.09 1,496.09 1,496.09 1,496.09 1,496.09 1,496.09

0.00 0.00 10.98 12.90 21.19 1.17 0.00 53.75 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 10.98 23.89 45.08 46.25 46.25 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 19.57 20.52 19.56 1.16 0.00 42.37 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 9.70 13.57 15.85 12.02 9.46 16.24 13.93 12.80 11.84 10.82 10.32 9.53 8.81 7.78 7.30 7.07 6.91 6.86

6.86

Page 190 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 19 - SULAWESI TENGAH

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,147 921 1,146 744 838 425 236 194 134 58 52 76 33 55 42 47 42 13 18 1 6,222

1,147 2,068 3,214 3,958 4,796 5,221 5,457 5,651 5,785 5,843 5,895 5,971 6,004 6,059 6,101 6,148 6,190 6,203 6,221 6,222

18.43 18.43 14.80 33.24 18.42 51.66 11.96 63.61 13.47 77.08 6.83 83.91 3.79 87.70 3.12 90.82 2.15 92.98 0.93 93.91 0.84 94.74 1.22 95.97 0.53 96.50 0.88 97.38 0.68 98.06 0.76 98.81 0.68 99.49 0.21 99.69 0.29 99.98 0.02 100.00

330.33 172.62 397.34 457.08 838.78 817.03 692.64 636.96 495.49 334.23 288.96 401.61 219.63 442.36 360.22 382.17 401.27 196.94 209.38 102.41 8,177.46

330.33 502.94 900.29 1,357.37 2,196.15 3,013.19 3,705.82 4,342.78 4,838.27 5,172.50 5,461.46 5,863.07 6,082.71 6,525.07 6,885.29 7,267.46 7,668.73 7,865.67 8,075.05 8,177.46

4.04 4.04 2.11 6.15 4.86 11.01 5.59 16.60 10.26 26.86 9.99 36.85 8.47 45.32 7.79 53.11 6.06 59.17 4.09 63.25 3.53 66.79 4.91 71.70 2.69 74.38 5.41 79.79 4.41 84.20 4.67 88.87 4.91 93.78 2.41 96.19 2.56 98.75 1.25 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 20 - SULAWESI SELATAN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,369 5,867 8,964 4,887 5,009 2,632 1,462 1,367 722 407 385 416 286 416 219 371 277 120 107 26 38,309

4,369 10,236 19,200 24,087 29,096 31,728 33,190 34,557 35,279 35,686 36,071 36,487 36,773 37,189 37,408 37,779 38,056 38,176 38,283 38,309

11.40 11.40 15.31 26.72 23.40 50.12 12.76 62.88 13.08 75.95 6.87 82.82 3.82 86.64 3.57 90.21 1.88 92.09 1.06 93.15 1.00 94.16 1.09 95.24 0.75 95.99 1.09 97.08 0.57 97.65 0.97 98.62 0.72 99.34 0.31 99.65 0.28 99.93 0.07 100.00

1,328.08 608.06 1,787.60 2,016.59 3,889.28 3,152.37 2,651.24 3,066.64 2,211.23 1,479.57 1,438.66 1,854.80 1,435.73 2,550.81 1,359.77 3,532.88 2,922.23 1,607.53 1,509.65 6,508.73 46,911.42

1,328.08 1,936.14 3,723.73 5,740.32 9,629.60 12,781.97 15,433.21 18,499.85 20,711.07 22,190.64 23,629.30 25,484.10 26,919.83 29,470.64 30,830.40 34,363.29 37,285.52 38,893.04 40,402.69 46,911.42

2.83 2.83 1.30 4.13 3.81 7.94 4.30 12.24 8.29 20.53 6.72 27.25 5.65 32.90 6.54 39.44 4.71 44.15 3.15 47.30 3.07 50.37 3.95 54.32 3.06 57.38 5.44 62.82 2.90 65.72 7.53 73.25 6.23 79.48 3.43 82.91 3.22 86.13 13.87 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 9

2 2 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 9

22.22 22.22 0.00 22.22 55.56 77.78 0.00 77.78 0.00 77.78 0.00 77.78 0.00 77.78 0.00 77.78 0.00 77.78 0.00 77.78 0.00 77.78 0.00 77.78 0.00 77.78 0.00 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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 3,484.32 0.00 221.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 115.08 3,820.88

3,484.32 3,484.32 3,705.79 3,705.79 3,705.79 3,705.79 3,705.79 3,705.79 3,705.79 3,705.79 3,705.79 3,705.79 3,705.79 3,705.79 3,705.79 3,705.79 3,705.79 3,705.79 3,705.79 3,820.88

91.19 91.19 262.36 262.36 0.00 91.19 0.00 179.96 5.80 96.99 12.39 99.52 0.00 96.99 0.00 64.56 0.00 96.99 0.00 38.48 0.00 96.99 0.00 28.99 0.00 96.99 0.00 24.01 0.00 96.99 0.00 20.03 0.00 96.99 0.00 17.89 0.00 96.99 0.00 16.70 0.00 96.99 0.00 15.68 0.00 96.99 0.00 14.54 0.00 96.99 0.00 13.77 0.00 96.99 0.00 12.57 0.00 96.99 0.00 12.02 0.00 96.99 0.00 10.78 0.00 96.99 0.00 9.94 0.00 96.99 0.00 9.53 0.00 96.99 0.00 9.17 3.01 100.00 1.77 8.14 8.14

Page 192 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 21 - SULAWESI TENGGARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 525 712 1,039 681 834 467 293 208 104 24 36 50 30 44 11 20 18 6 7 3 5,112

525 1,237 2,276 2,957 3,791 4,258 4,551 4,759 4,863 4,887 4,923 4,973 5,003 5,047 5,058 5,078 5,096 5,102 5,109 5,112

10.27 10.27 13.93 24.20 20.32 44.52 13.32 57.84 16.31 74.16 9.14 83.29 5.73 89.03 4.07 93.09 2.03 95.13 0.47 95.60 0.70 96.30 0.98 97.28 0.59 97.87 0.86 98.73 0.22 98.94 0.39 99.33 0.35 99.69 0.12 99.80 0.14 99.94 0.06 100.00

150.07 114.82 266.92 299.28 736.70 721.46 658.67 567.66 368.30 111.51 197.76 395.62 243.02 345.53 137.05 268.20 299.34 53.79 53.62 69.00 6,058.32

150.07 264.89 531.81 831.09 1,567.79 2,289.25 2,947.92 3,515.58 3,883.88 3,995.39 4,193.15 4,588.78 4,831.80 5,177.32 5,314.37 5,582.57 5,881.91 5,935.70 5,989.32 6,058.32

2.48 2.48 1.90 4.37 4.41 8.78 4.94 13.72 12.16 25.88 11.91 37.79 10.87 48.66 9.37 58.03 6.08 64.11 1.84 65.95 3.26 69.21 6.53 75.74 4.01 79.75 5.70 85.46 2.26 87.72 4.43 92.15 4.94 97.09 0.89 97.98 0.89 98.86 1.14 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 2 0 0 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 2 100.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 101.37 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 0.00 101.37

0.00 0.00 0.00 0.00 0.00 0.00 101.37 100.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00 101.37 0.00 100.00

0.00 0.00 37.98 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 19.06 12.20 6.47 4.43 3.44 2.88 2.61 2.54 2.42 2.21 2.10 1.96 1.91 1.82 1.72 1.71 1.69 1.67

1.67

Page 193 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 22 - BALI

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,769 3,448 4,449 2,773 3,607 2,269 2,086 1,916 1,247 869 596 747 502 608 409 505 471 160 187 101 31,719

4,769 8,217 12,666 15,439 19,046 21,315 23,401 25,317 26,564 27,433 28,029 28,776 29,278 29,886 30,295 30,800 31,271 31,431 31,618 31,719

15.04 15.04 10.87 25.91 14.03 39.93 8.74 48.67 11.37 60.05 7.15 67.20 6.58 73.78 6.04 79.82 3.93 83.75 2.74 86.49 1.88 88.37 2.36 90.72 1.58 92.30 1.92 94.22 1.29 95.51 1.59 97.10 1.48 98.59 0.50 99.09 0.59 99.68 0.32 100.00

2,352.05 453.62 1,199.52 1,105.14 2,738.86 2,465.24 3,044.56 3,982.96 3,572.81 3,100.17 2,496.06 3,598.87 2,809.41 4,204.39 3,104.87 5,294.45 5,764.34 2,095.27 2,677.06 715.18 56,774.84

2,352.05 2,805.67 4,005.19 5,110.33 7,849.19 10,314.42 13,358.99 17,341.95 20,914.76 24,014.94 26,511.00 30,109.87 32,919.28 37,123.67 40,228.55 45,522.99 51,287.34 53,382.60 56,059.66 56,774.84

4.14 4.14 0.80 4.94 2.11 7.05 1.95 9.00 4.82 13.83 4.34 18.17 5.36 23.53 7.02 30.55 6.29 36.84 5.46 42.30 4.40 46.69 6.34 53.03 4.95 57.98 7.41 65.39 5.47 70.86 9.33 80.18 10.15 90.33 3.69 94.03 4.72 98.74 1.26 100.00

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

4 4 6 6 10 12 12 14 16 16 18 18 18 18 18 22 25 25 28 28

14.29 14.29 0.00 14.29 7.14 21.43 0.00 21.43 14.29 35.71 7.14 42.86 0.00 42.86 7.14 50.00 7.14 57.14 0.00 57.14 7.14 64.29 0.00 64.29 0.00 64.29 0.00 64.29 0.00 64.29 14.29 78.57 10.71 89.29 0.00 89.29 10.71 100.00 0.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 4,933.08 0.00 2.00 0.00 9.81 0.00 0.00 33.60 5.35 0.00 0.00 0.00 0.00 0.00 0.00 268.59 4.75 0.00 65.57 0.00 5,322.73

4,933.08 4,933.08 4,935.08 4,935.08 4,944.89 4,944.89 4,944.89 4,978.49 4,983.84 4,983.84 4,983.84 4,983.84 4,983.84 4,983.84 4,983.84 5,252.42 5,257.17 5,257.17 5,322.73 5,322.73

92.68 92.68 209.74 209.74 0.00 92.68 0.00 175.83 0.04 92.72 0.17 123.22 0.00 92.72 0.00 96.57 0.18 92.90 0.36 63.00 0.00 92.90 0.00 47.94 0.00 92.90 0.00 37.02 0.63 93.53 0.84 28.71 0.10 93.63 0.15 23.83 0.00 93.63 0.00 20.75 0.00 93.63 0.00 18.80 0.00 93.63 0.00 16.55 0.00 93.63 0.00 15.14 0.00 93.63 0.00 13.42 0.00 93.63 0.00 12.39 5.05 98.68 5.07 11.54 0.09 98.77 0.08 10.25 0.00 98.77 0.00 9.85 1.23 100.00 2.45 9.49 0.00 100.00 0.00 9.38 9.38

Page 194 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 23 - NUSA TENGGARA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,167 1,631 2,106 1,017 1,379 619 328 341 187 118 116 114 102 108 45 83 54 24 24 7 9,570

1,167 2,798 4,904 5,921 7,300 7,919 8,247 8,588 8,775 8,893 9,009 9,123 9,225 9,333 9,378 9,461 9,515 9,539 9,563 9,570

12.19 12.19 17.04 29.24 22.01 51.24 10.63 61.87 14.41 76.28 6.47 82.75 3.43 86.18 3.56 89.74 1.95 91.69 1.23 92.93 1.21 94.14 1.19 95.33 1.07 96.39 1.13 97.52 0.47 97.99 0.87 98.86 0.56 99.43 0.25 99.68 0.25 99.93 0.07 100.00

331.16 251.58 593.03 597.96 996.55 762.83 559.82 789.80 539.18 457.84 458.86 448.83 486.89 528.72 212.91 976.21 701.62 329.00 296.87 168.29 10,487.95

331.16 582.74 1,175.76 1,773.72 2,770.27 3,533.09 4,092.92 4,882.72 5,421.90 5,879.75 6,338.61 6,787.44 7,274.33 7,803.05 8,015.95 8,992.16 9,693.79 10,022.79 10,319.66 10,487.95

3.16 3.16 2.40 5.56 5.65 11.21 5.70 16.91 9.50 26.41 7.27 33.69 5.34 39.02 7.53 46.56 5.14 51.70 4.37 56.06 4.38 60.44 4.28 64.72 4.64 69.36 5.04 74.40 2.03 76.43 9.31 85.74 6.69 92.43 3.14 95.56 2.83 98.40 1.60 100.00

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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 24 - NUSA TENGGARA TIMUR

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 672 953 1,590 887 1,005 541 391 346 191 107 53 71 46 75 23 49 25 10 11 1 7,047

672 1,625 3,215 4,102 5,107 5,648 6,039 6,385 6,576 6,683 6,736 6,807 6,853 6,928 6,951 7,000 7,025 7,035 7,046 7,047

9.54 9.54 13.52 23.06 22.56 45.62 12.59 58.21 14.26 72.47 7.68 80.15 5.55 85.70 4.91 90.61 2.71 93.32 1.52 94.83 0.75 95.59 1.01 96.59 0.65 97.25 1.06 98.31 0.33 98.64 0.70 99.33 0.35 99.69 0.14 99.83 0.16 99.99 0.01 100.00

213.52 125.59 351.52 402.65 842.88 736.37 773.72 1,028.29 751.23 485.34 293.11 352.88 297.86 583.42 257.52 432.73 264.17 221.94 126.56 29.41 8,570.71

213.52 339.11 690.63 1,093.28 1,936.16 2,672.53 3,446.26 4,474.55 5,225.77 5,711.12 6,004.23 6,357.11 6,654.96 7,238.39 7,495.91 7,928.63 8,192.80 8,414.74 8,541.30 8,570.71

2.49 2.49 1.47 3.96 4.10 8.06 4.70 12.76 9.83 22.59 8.59 31.18 9.03 40.21 12.00 52.21 8.77 60.97 5.66 66.64 3.42 70.06 4.12 74.17 3.48 77.65 6.81 84.45 3.00 87.46 5.05 92.51 3.08 95.59 2.59 98.18 1.48 99.66 0.34 100.00

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 Rupiah) 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

: : :

01/01/2011 15/12/2011 15/04/2012 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 196 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 25 - MALUKU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 268 407 668 369 439 289 158 167 89 51 49 44 31 43 42 56 33 19 7 4 3,233

268 675 1,343 1,712 2,151 2,440 2,598 2,765 2,854 2,905 2,954 2,998 3,029 3,072 3,114 3,170 3,203 3,222 3,229 3,233

8.29 8.29 12.59 20.88 20.66 41.54 11.41 52.95 13.58 66.53 8.94 75.47 4.89 80.36 5.17 85.52 2.75 88.28 1.58 89.85 1.52 91.37 1.36 92.73 0.96 93.69 1.33 95.02 1.30 96.32 1.73 98.05 1.02 99.07 0.59 99.66 0.22 99.88 0.12 100.00

115.92 78.28 186.49 200.93 387.80 455.69 384.11 584.72 414.52 264.31 265.70 284.84 175.09 336.62 322.09 603.12 249.06 229.43 41.20 47.69 5,627.60

115.92 194.20 380.68 581.61 969.42 1,425.10 1,809.21 2,393.93 2,808.45 3,072.76 3,338.46 3,623.30 3,798.38 4,135.00 4,457.09 5,060.21 5,309.28 5,538.71 5,579.91 5,627.60

2.06 2.06 1.39 3.45 3.31 6.76 3.57 10.34 6.89 17.23 8.10 25.32 6.83 32.15 10.39 42.54 7.37 49.90 4.70 54.60 4.72 59.32 5.06 64.38 3.11 67.50 5.98 73.48 5.72 79.20 10.72 89.92 4.43 94.34 4.08 98.42 0.73 99.15 0.85 100.00

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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 26 - IRIAN JAYA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 761 768 1,517 1,182 1,415 784 551 406 259 139 103 134 69 81 44 73 45 18 4 3 8,356

761 1,529 3,046 4,228 5,643 6,427 6,978 7,384 7,643 7,782 7,885 8,019 8,088 8,169 8,213 8,286 8,331 8,349 8,353 8,356

9.11 9.11 9.19 18.30 18.15 36.45 14.15 50.60 16.93 67.53 9.38 76.91 6.59 83.51 4.86 88.37 3.10 91.47 1.66 93.13 1.23 94.36 1.60 95.97 0.83 96.79 0.97 97.76 0.53 98.29 0.87 99.16 0.54 99.70 0.22 99.92 0.05 99.96 0.04 100.00

335.49 143.20 437.87 440.64 1,062.68 1,139.47 1,232.72 1,265.55 1,131.96 747.30 698.72 835.13 683.74 677.64 548.47 1,032.66 874.91 565.59 122.82 14.12 13,990.68

335.49 478.70 916.57 1,357.21 2,419.89 3,559.36 4,792.07 6,057.62 7,189.57 7,936.88 8,635.60 9,470.73 10,154.47 10,832.11 11,380.58 12,413.24 13,288.14 13,853.73 13,976.55 13,990.68

2.40 2.40 1.02 3.42 3.13 6.55 3.15 9.70 7.60 17.30 8.14 25.44 8.81 34.25 9.05 43.30 8.09 51.39 5.34 56.73 4.99 61.72 5.97 67.69 4.89 72.58 4.84 77.42 3.92 81.34 7.38 88.73 6.25 94.98 4.04 99.02 0.88 99.90 0.10 100.00

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

0 0 0 2 2 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4

0.00 0.00 0.00 50.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 50.00 50.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 64.58 0.00 118.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 182.93

0.00 0.00 0.00 64.58 64.58 182.93 182.93 182.93 182.93 182.93 182.93 182.93 182.93 182.93 182.93 182.93 182.93 182.93 182.93 182.93

0.00 0.00 0.00 35.31 0.00 64.69 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 35.31 35.31 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 14.66 0.00 10.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 4.76 2.67 5.14 3.82 3.02 2.54 2.30 2.12 1.93 1.80 1.69 1.61 1.47 1.38 1.32 1.31 1.31

1.31

Page 198 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 27 - MALUKU UTARA

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 80 105 212 141 172 70 61 50 39 13 19 10 7 12 4 3 3 3 3 0 1,007

80 185 397 538 710 780 841 891 930 943 962 972 979 991 995 998 1,001 1,004 1,007 1,007

7.94 7.94 10.43 18.37 21.05 39.42 14.00 53.43 17.08 70.51 6.95 77.46 6.06 83.52 4.97 88.48 3.87 92.35 1.29 93.64 1.89 95.53 0.99 96.52 0.70 97.22 1.19 98.41 0.40 98.81 0.30 99.11 0.30 99.40 0.30 99.70 0.30 100.00 0.00 100.00

33.54 14.06 40.34 69.94 135.33 96.67 119.75 221.06 285.63 66.98 97.43 57.72 63.57 135.90 30.92 92.39 121.22 21.65 63.02 0.00 1,767.11

33.54 47.60 87.94 157.88 293.21 389.88 509.63 730.69 1,016.32 1,083.29 1,180.73 1,238.44 1,302.01 1,437.91 1,468.84 1,561.23 1,682.45 1,704.09 1,767.11 1,767.11

1.90 1.90 0.80 2.69 2.28 4.98 3.96 8.93 7.66 16.59 5.47 22.06 6.78 28.84 12.51 41.35 16.16 57.51 3.79 61.30 5.51 66.82 3.27 70.08 3.60 73.68 7.69 81.37 1.75 83.12 5.23 88.35 6.86 95.21 1.22 96.43 3.57 100.00 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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 199 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 28 - IRIAN JAYA BARAT

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 152 403 988 619 602 276 236 135 99 36 38 34 31 14 11 30 7 1 2 0 3,714

152 555 1,543 2,162 2,764 3,040 3,276 3,411 3,510 3,546 3,584 3,618 3,649 3,663 3,674 3,704 3,711 3,712 3,714 3,714

4.09 4.09 10.85 14.94 26.60 41.55 16.67 58.21 16.21 74.42 7.43 81.85 6.35 88.21 3.63 91.84 2.67 94.51 0.97 95.48 1.02 96.50 0.92 97.42 0.83 98.25 0.38 98.63 0.30 98.92 0.81 99.73 0.19 99.92 0.03 99.95 0.05 100.00 0.00 100.00

133.63 46.22 156.86 164.16 320.85 251.79 335.88 306.56 286.05 135.98 141.36 204.27 164.93 104.77 76.71 565.13 148.54 36.00 70.58 0.00 3,650.28

133.63 179.85 336.71 500.87 821.72 1,073.51 1,409.38 1,715.94 2,002.00 2,137.97 2,279.34 2,483.61 2,648.54 2,753.32 2,830.03 3,395.16 3,543.70 3,579.70 3,650.28 3,650.28

3.66 3.66 1.27 4.93 4.30 9.22 4.50 13.72 8.79 22.51 6.90 29.41 9.20 38.61 8.40 47.01 7.84 54.84 3.73 58.57 3.87 62.44 5.60 68.04 4.52 72.56 2.87 75.43 2.10 77.53 15.48 93.01 4.07 97.08 0.99 98.07 1.93 100.00 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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 29 - BANTEN

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,284 5,173 8,219 5,716 6,789 3,863 2,637 2,124 1,248 719 611 792 537 893 535 856 894 426 396 170 47,882

5,284 10,457 18,676 24,392 31,181 35,044 37,681 39,805 41,053 41,772 42,383 43,175 43,712 44,605 45,140 45,996 46,890 47,316 47,712 47,882

11.04 11.04 10.80 21.84 17.17 39.00 11.94 50.94 14.18 65.12 8.07 73.19 5.51 78.70 4.44 83.13 2.61 85.74 1.50 87.24 1.28 88.52 1.65 90.17 1.12 91.29 1.87 93.16 1.12 94.27 1.79 96.06 1.87 97.93 0.89 98.82 0.83 99.64 0.36 100.00

5,132.82 630.50 1,805.89 1,997.81 4,001.40 3,472.15 3,589.51 3,991.61 3,410.17 2,304.01 2,399.13 3,621.26 3,273.18 6,674.95 4,669.05 11,367.22 12,447.78 7,378.95 11,519.50 3,898.20 97,585.08

5,132.82 5,763.32 7,569.21 9,567.02 13,568.42 17,040.57 20,630.08 24,621.69 28,031.87 30,335.88 32,735.00 36,356.26 39,629.44 46,304.38 50,973.44 62,340.65 74,788.43 82,167.38 93,686.88 97,585.08

5.26 5.26 0.65 5.91 1.85 7.76 2.05 9.80 4.10 13.90 3.56 17.46 3.68 21.14 4.09 25.23 3.49 28.73 2.36 31.09 2.46 33.55 3.71 37.26 3.35 40.61 6.84 47.45 4.78 52.23 11.65 63.88 12.76 76.64 7.56 84.20 11.80 96.01 3.99 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 2 0 0 0 0 0 2 0 0 6 5 7 4 2 8 11 1 0 0 52

4 6 6 6 6 6 6 8 8 8 14 19 26 30 32 40 51 52 52 52

7.69 7.69 3.85 11.54 0.00 11.54 0.00 11.54 0.00 11.54 0.00 11.54 0.00 11.54 3.85 15.38 0.00 15.38 0.00 15.38 11.54 26.92 9.62 36.54 13.46 50.00 7.69 57.69 3.85 61.54 15.38 76.92 21.15 98.08 1.92 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 88.15 0.74 0.00 0.00 0.00 0.00 0.00 39.70 0.00 0.00 988.07 26.34 4,499.26 46.11 0.00 115.09 292.10 0.00 0.00 0.00 6,095.55

88.15 88.89 88.89 88.89 88.89 88.89 88.89 128.59 128.59 128.59 1,116.67 1,143.00 5,642.26 5,688.37 5,688.37 5,803.46 6,095.55 6,095.55 6,095.55 6,095.55

1.45 0.01 0.00 0.00 0.00 0.00 0.00 0.65 0.00 0.00 16.21 0.43 73.81 0.76 0.00 1.89 4.79 0.00 0.00 0.00

1.45 1.72 1.46 0.12 1.46 0.00 1.46 0.00 1.46 0.00 1.46 0.00 1.46 0.00 2.11 0.99 2.11 0.00 2.11 0.00 18.32 41.18 18.75 0.73 92.56 137.46 93.32 0.69 93.32 0.00 95.21 1.01 100.00 2.35 100.00 0.00 100.00 0.00 100.00 0.00

1.72 1.54 1.17 0.93 0.66 0.52 0.43 0.52 0.46 0.42 3.41 3.14 14.24 12.28 11.16 9.31 8.15 7.42 6.51 6.25

6.25

Page 201 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 30 - BANGKA BELITUNG

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 449 329 502 360 362 208 142 99 69 26 24 30 12 29 16 14 12 7 17 0 2,707

449 778 1,280 1,640 2,002 2,210 2,352 2,451 2,520 2,546 2,570 2,600 2,612 2,641 2,657 2,671 2,683 2,690 2,707 2,707

16.59 16.59 12.15 28.74 18.54 47.28 13.30 60.58 13.37 73.96 7.68 81.64 5.25 86.89 3.66 90.54 2.55 93.09 0.96 94.05 0.89 94.94 1.11 96.05 0.44 96.49 1.07 97.56 0.59 98.15 0.52 98.67 0.44 99.11 0.26 99.37 0.63 100.00 0.00 100.00

137.94 28.85 104.18 121.85 185.93 204.73 246.08 228.33 150.21 80.70 71.51 93.68 65.36 190.31 218.33 102.43 155.34 68.42 249.37 0.00 2,703.54

137.94 166.79 270.97 392.82 578.74 783.47 1,029.55 1,257.88 1,408.09 1,488.79 1,560.29 1,653.98 1,719.33 1,909.65 2,127.98 2,230.41 2,385.75 2,454.17 2,703.54 2,703.54

5.10 5.10 1.07 6.17 3.85 10.02 4.51 14.53 6.88 21.41 7.57 28.98 9.10 38.08 8.45 46.53 5.56 52.08 2.98 55.07 2.64 57.71 3.47 61.18 2.42 63.60 7.04 70.64 8.08 78.71 3.79 82.50 5.75 88.25 2.53 90.78 9.22 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 2 0 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 0 0.00 0.00 2 100.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 15.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.00 100.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00 15.00 0.00 100.00

0.00 0.00 0.00 12.31 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 3.82 2.59 1.91 1.46 1.19 1.07 1.01 0.96 0.91 0.87 0.79 0.70 0.67 0.63 0.61 0.55 0.55

0.55

Page 202 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 31 - GORONTALO

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 308 243 495 324 306 164 60 101 47 32 22 19 13 18 11 18 9 1 0 0 2,191

308 551 1,046 1,370 1,676 1,840 1,900 2,001 2,048 2,080 2,102 2,121 2,134 2,152 2,163 2,181 2,190 2,191 2,191 2,191

14.06 14.06 11.09 25.15 22.59 47.74 14.79 62.53 13.97 76.49 7.49 83.98 2.74 86.72 4.61 91.33 2.15 93.47 1.46 94.93 1.00 95.94 0.87 96.81 0.59 97.40 0.82 98.22 0.50 98.72 0.82 99.54 0.41 99.95 0.05 100.00 0.00 100.00 0.00 100.00

150.69 19.06 74.49 101.92 215.19 155.39 126.30 249.17 184.04 161.74 119.92 93.68 97.66 128.00 116.10 312.02 157.83 0.00 0.00 0.00 2,463.20

150.69 169.76 244.25 346.17 561.36 716.75 843.04 1,092.22 1,276.26 1,438.00 1,557.91 1,651.59 1,749.25 1,877.25 1,993.35 2,305.37 2,463.20 2,463.20 2,463.20 2,463.20

6.12 0.77 3.02 4.14 8.74 6.31 5.13 10.12 7.47 6.57 4.87 3.80 3.96 5.20 4.71 12.67 6.41 0.00 0.00 0.00

6.12 6.89 9.92 14.05 22.79 29.10 34.23 44.34 51.81 58.38 63.25 67.05 71.02 76.21 80.93 93.59 100.00 100.00 100.00 100.00

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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 33.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33.00

33.00 100.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00 33.00 0.00 100.00

21.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

21.90 19.44 13.51 9.53 5.88 4.60 3.91 3.02 2.59 2.29 2.12 2.00 1.89 1.76 1.66 1.43 1.34 1.34 1.34 1.34

1.34

Page 203 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR PROVINCE

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

TOTAL FR, IAR, LOP, EQ 2011 32 - KEPULAUAN RIAU

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,100 1,757 3,270 2,228 2,620 1,455 800 628 314 180 144 181 120 115 72 154 109 61 101 38 15,447

1,100 2,857 6,127 8,355 10,975 12,430 13,230 13,858 14,172 14,352 14,496 14,677 14,797 14,912 14,984 15,138 15,247 15,308 15,409 15,447

7.12 7.12 11.37 18.50 21.17 39.66 14.42 54.09 16.96 71.05 9.42 80.47 5.18 85.65 4.07 89.71 2.03 91.75 1.17 92.91 0.93 93.84 1.17 95.02 0.78 95.79 0.74 96.54 0.47 97.00 1.00 98.00 0.71 98.71 0.39 99.10 0.65 99.75 0.25 100.00

1,390.26 255.01 754.07 1,062.76 2,255.20 1,962.79 1,465.14 1,590.19 1,056.59 733.76 724.05 1,064.44 825.40 1,003.07 611.46 1,834.10 1,488.19 1,096.63 1,289.52 3,356.60 25,819.22

1,390.26 1,645.27 2,399.35 3,462.11 5,717.31 7,680.10 9,145.24 10,735.43 11,792.02 12,525.78 13,249.83 14,314.27 15,139.66 16,142.73 16,754.19 18,588.29 20,076.48 21,173.10 22,462.62 25,819.22

5.38 5.38 0.99 6.37 2.92 9.29 4.12 13.41 8.73 22.14 7.60 29.75 5.67 35.42 6.16 41.58 4.09 45.67 2.84 48.51 2.80 51.32 4.12 55.44 3.20 58.64 3.88 62.52 2.37 64.89 7.10 71.99 5.76 77.76 4.25 82.01 4.99 87.00 13.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 0 0 0 0 0 0 0 0 0 0 2 0 0 2 0 2 0 8

2 2 2 2 2 2 2 2 2 2 2 2 2 4 4 4 6 6 8 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 25.00 50.00 0.00 50.00 0.00 50.00 25.00 75.00 0.00 75.00 25.00 100.00 0.00 100.00

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 4.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 27.24 0.00 0.00 6.32 0.00 49.22 0.00 87.70

4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 4.93 32.17 32.17 32.17 38.49 38.49 87.70 87.70

5.62 5.62 0.00 5.62 0.00 5.62 0.00 5.62 0.00 5.62 0.00 5.62 0.00 5.62 0.00 5.62 0.00 5.62 0.00 5.62 0.00 5.62 0.00 5.62 0.00 5.62 31.06 36.68 0.00 36.68 0.00 36.68 7.21 43.88 0.00 43.88 56.12 100.00 0.00 100.00

0.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.72 0.00 0.00 0.42 0.00 3.82 0.00

0.35 0.30 0.21 0.14 0.09 0.06 0.05 0.05 0.04 0.04 0.04 0.03 0.03 0.20 0.19 0.17 0.19 0.18 0.39 0.34

0.34

Page 204 of 204

TABEL GABUNGAN – COMBINED TABLE

PT. REASURANSI INTERNASIONAL INDONESIA Jalan Salemba Raya Nomor 30, Jakarta 10430, Indonesia P.O. Box 2635 JKT 10026 Telepon : (62-21) 3920101 Fax : (62-21) 3911432 Website : http://www.reindo.co.id/bppdan/default.asp E-mail : bppdan@reindo.co.id

PERBANDINGAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2008 - 2011 THE COMPARATION OF POLICIES, PREMIUM, CLAIM & LOSS RATIO 2008 - 2011 by CLASS OF BUSINESS Premium and Claim in million Rupiah UY 2008

CLASS OF BUSINESS - Fire (FR)

Number of

Premium

Policies

UY 2009

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

UY 2010

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

UY 2011

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

Number of

Claim

% LOSS

Claims

Incured

RATIO

62,024

292,885.48

939

193,471.17

66.06

95,360

313,472.77

2,184

281,194.54

89.70

124,968

429,633.26

323.37

0.08

111,561

492,407.94

- Industrial All Risk (IAR)

863,491

1,007,662.41

5,738

542,506.86

53.84

974,762

1,123,078.65

5,650

516,424.16

45.98

939,022

1,108,372.03

2,833

223,567.60

20.17

962,204

985,366.86

353

37,041.78

3.76

- Loss of Profit (LOP)

121,088

452,397.68

8,937

823,326.95

181.99

149,857

490,262.54

8,364

827,573.70

168.80

178,070

518,774.75

4,786

538,582.38

104.05

150,503

472,951.70

411

24,505.01

5.18

409

1,218.42

3,281.31

269.31

212

306.42

1,492.25

486.99

145

379.94

130.78

1,047,012

1,754,163.99

15,642

1,562,586.29

89.08

1,210,191

1,927,120.38

16,206

1,626,684.65

84.41

1,242,205

2,057,159.98

7,639

1,224,363

1,950,857.28

770

- Earthquake (EQ)

762,473.35

37.06

61,546.79

3.15

Note : Data yang diterima hingga 15 Desember 2011 dan klaim-klaim yang terjadi sebagai berikut : (Data received up to 15 December 2011) and Claim Incured as follows) : Claim Settled

Number of

Outstanding Claims

Number of

(in Rp)

Cases

(in Rp)

Cases

Year

1,459,482,024,871.67

14,620

103,104,245,128.33

1,022

2008

1,596,847,157,190.46

15,425

29,837,482,809.54

781

2009

745,490,954,679.55

7,347

16,982,375,320.45

292

2010

729

172,806,084.69

2011

61,373,983,915.31

Page 1 of 3

PERBANDINGAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2008 - 2011 THE COMPARATION OF POLICIES, PREMIUM, CLAIM & LOSS RATIO 2008 - 2011 by OCCUPATION Premium and Claim in million Rupiah UY 2008

OCCUPATION CODE

Number of

Premium

Policies

UY 2009

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

UY 2010

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

UY 2011

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

Number of

Claim

% LOSS

Claims

Incured

RATIO

20 - Mining, Drilling Installation, Salt Mines, ……

1,319

11,541.75

185

10,532.25

91.25

1,819

14,550.93

197

22,423.42

154.10

2,196

15,476.82

106

15,038.55

97.17

1,740

14,096.76

194.56

1.38

21 - Stone, Earth, (Animal) Bones or Shells

2,105

12,127.18

192

44,005.74

362.87

3,135

14,601.07

165

25,826.17

176.89

3,057

17,916.08

7,123.97

39.76

2,437

17,439.50

4.96

0.03

22 - Metals

8,880

57,186.87

528

92,652.60

162.02

11,741

63,374.70

517

98,836.43

156.19

12,649

68,280.41

326

76,849.60

112.55

10,214

54,563.36

957.90

1.76

23 - Chemicals/Oil/Gas

11,194

86,140.65

789

71,958.20

83.54

14,268

101,992.33

814

103,379.16

101.36

14,315

110,203.34

292

39,255.87

35.62

13,398

109,052.56

5,443.32

4.99

24 - Textiles

15,080

76,562.07

1,048

132,258.05

172.75

17,657

83,928.06

1,021

133,034.39

158.51

17,684

86,307.26

384

55,781.65

64.63

15,279

85,804.67

239.54

0.28

25 - Paper, Leather, Rubber

10,372

77,531.61

555

131,629.15

169.77

12,343

79,592.11

557

122,206.41

153.54

12,649

92,432.56

305

85,684.37

92.70

11,001

82,882.85

3,549.97

4.28

7,945

78,597.36

416

104,323.98

132.73

9,128

80,969.35

365

76,563.51

94.56

9,415

91,165.79

215

41,636.48

45.67

7,867

77,555.84

5,417.44

6.99

28,443

95,555.11

2,090

102,933.13

107.72

37,150

115,136.40

1,659

113,190.18

98.31

34,392

132,642.14

642

63,143.41

47.60

29,737

150,212.93

6,392.39

4.26

4,970

7,765.60

24,764.41

318.90

1,086

9,189.99

27,014.22

293.95

1,219

12,982.95

48,532.51

373.82

1,135

14,515.39

60.47

0.42

953,521

1,224,427.98

9,622

843,366.76

68.87

1,096,747

1,330,576.81

10,694

888,779.21

66.80

1,127,484

1,382,262.01

5,118

325,293.69

23.53

1,105,708

1,282,054.90

522

38,760.27

3.02

30 - Estate Plantation Risk

215

1,829.92

6.35

0.35

564

3,045.76

2,005.79

65.86

536

8,650.34

0.00

1,025

12,931.59

0.00

31 - Estate Plantation Risk

637

14,521.60

1,100.41

7.58

1,303

16,097.84

5,746.66

35.70

1,478

19,719.62

1,647.95

8.36

1,027

19,831.10

4.32

0.02

32 - Recreation Place

108

4,009.66

867.98

21.65

199

4,871.08

815.03

16.73

259

3,661.68

735.75

20.09

202

5,193.94

146.02

2.81

2,131

6,247.54

2,187.28

35.01

3,051

8,280.61

5,782.33

69.83

1,478

8,588.51

589.34

6.86

1,894

4,926.18

0.00

1,047,012

1,754,163.98

15,642

1,562,586.29

89.08

1,926,111.15

16,191

1,238,811

2,050,289.51

7,591

761,313.14

37.13

1,202,664

1,931,061.57

745

61,171.16

3.17

26 - Wood, Bamboo and Rattan 27 - Nutritional, Drinks and Tobacco 28 - Power and Heating 29 - Transport and Traffic, Construction Firms, .

40 - Non Estate Plantation

1,210,191

1,625,602.91

84.40

Note : Data yang diterima hingga 15 Desember 2011 dan klaim-klaim yang terjadi sebagai berikut : (Data received up to 15 December 2011) and Claim Incured as follows) : Claim Settled

Number of

Outstanding Claims

Number of

(in Rp)

Cases

(in Rp)

Cases

Year

1,459,482,024,871.67

14,620

103,104,245,128.33

1,022

2008

1,596,847,157,190.46

15,425

29,837,482,809.54

781

2009

745,490,954,679.55

7,347

16,982,375,320.45

292

2010

61,373,983,915.31

729

172,806,084.69

2011

Page 2 of 3

PERBANDINGAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2008 - 2011 THE COMPARATION OF POLICIES, PREMIUM, CLAIM & LOSS RATIO 2008 - 2011 by PROVINCE Premium and Claim in million Rupiah UY 2008

PROVINCE CODE

Number of

Premium

Policies

UY 2009

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

56,183

104,910.86

815

75,939.20

72.38

30 - Bangka Belitung

2,560

4,403.41

1,202.49

27.31

31 - Gorontalo

2,052

3,060.44

2,452.19

80.13

15,980

33,504.23

145

21,601.27

64.47

11,478 95,563 35,884 46,804 13,863 28,017 9,274 21,439 239,005 182,017 93,874 13,995 131,836 38,390 8,819 18,717 28,135 12,985 6,828 34,528 4,711 27,895 8,130 6,288 2,128 6,830 1,288 2,632 55,373 2,858 2,756 17,851

1,047,012

1,754,163.98

15,642

1,562,586.27

89.08

1,210,191

01 - Nanggroe Aceh Darussalam

8,743

12,044.59

770.53

6.40

02 - Sumatera Utara

67,497

93,741.26

847

98,253.28

104.81

03 - Sumatera Barat

26,682

24,771.05

1,025

219,978.96

888.05

04 - Riau

34,009

44,135.20

288

20,971.43

47.52

05 - Jambi

12,982

15,533.63

2,030.34

13.07

06 - Sumatera Selatan

24,527

33,183.64

289

20,374.26

61.40

07 - Bengkulu

7,027

6,176.35

1,685.25

27.29

08 - Lampung

18,112

28,910.91

372

22,533.99

77.94

09 - Daerah Khusus Ibukota Jakarta

222,687

476,748.84

4,097

424,481.96

89.04

10 - Jawa Barat

165,789

277,993.26

2,647

244,035.81

87.78

85,679

104,311.96

1,403

108,605.57

104.12

11 - Jawa Tengah 12 - Daerah Istimewa Yogyakarta 13 - Jawa Timur 14 - Kalimantan Barat

11,226

13,143.62

4,340.39

33.02

111,857

189,684.46

1,661

208,536.56

109.94

29,309

40,724.79

199

21,033.03

51.65

15 - Kalimantan Tengah

7,719

11,176.97

169

3,440.28

30.78

16 - Kalimantan Selatan

14,916

19,634.08

122

9,186.41

46.79

17 - Kalimantan Timur

22,980

60,901.80

253

9,070.12

14.89

18 - Sulawesi Utara

11,415

17,100.21

8,492.07

49.66

19 - Sulawesi Tengah

6,732

11,351.71

1,372.82

12.09

20 - Sulawesi Selatan

29,803

40,730.67

166

14,543.43

35.71

4,698

5,795.95

1,199.69

20.70

23,956

43,028.23

419

9,631.05

22.38

23 - Nusa Tenggara Barat

6,516

8,058.10

228

1,856.89

23.04

24 - Nusa Tenggara Timur

5,009

7,809.37

220.93

2.83

25 - Maluku

1,689

3,355.33

26 - Irian Jaya

5,372

11,390.38

27 - Maluku Utara

1,171

3,331.62

15.64

0.47

28 - Irian Jaya Barat

2,135

3,517.06

1,692.08

48.11

21 - Sulawesi Tenggara 22 - Bali

29 - Banten

32 - Kepulauan Riau

3,038.35

26.67

Premium

UY 2010

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

16,419.85 118,124.91 34,485.49 74,467.98 18,028.94 59,243.74 9,518.07 38,631.78 440,006.44 281,550.61 123,748.45 15,340.48 223,780.83 57,561.72 14,247.69 22,956.02 53,790.11 19,607.06 11,113.99 47,696.22 5,920.20 49,756.92 9,095.65 8,749.42 4,407.83 15,560.96 3,241.60 4,702.39 104,209.35 4,723.17 3,938.49 32,494.01

55 674 2,376 251 66 313 76 356 3,822 3,060 885 102 1,642 259 124 152 219 44 8 140 16 297 222 15 16 111 2 10 758 10 18 107

2,199.92 48,052.66 329,385.39 29,873.84 3,587.08 42,080.45 7,588.83 12,562.32 297,388.27 414,126.95 61,145.14 1,523.55 151,188.00 35,542.18 9,265.62 11,126.68 27,068.06 1,979.99 153.84 13,696.92 1,207.41 12,206.42 2,485.78 1,190.69 8,573.98 3,186.26 183.07 679.61 78,697.27 1,261.68 296.12 17,180.66

1,927,120.37

16,206

1,626,684.64

13.40 40.68 955.14 40.12 19.90 71.03 79.73 32.52 67.59 147.09 49.41 9.93 67.56 61.75 65.03 48.47 50.32 10.10 1.38 28.72 20.39 24.53 27.33 13.61 194.52 20.48 5.65 14.45 75.52 26.71 7.52 52.87 84.41

Premium

13,483 88,112 41,116 41,445 14,413 30,287 10,986 23,069 241,452 194,950 99,166 13,129 137,617 39,045 10,158 17,814 29,115 14,467 8,549 34,227 4,877 30,666 8,642 6,239 2,780 7,678 1,326 2,287 52,726 2,824 2,537 17,023

19,138.56 136,988.72 40,181.01 59,674.30 19,165.42 49,306.29 10,702.61 39,048.36 420,112.01 339,426.24 143,731.80 17,013.54 256,484.05 58,387.56 15,717.42 24,724.89 54,543.24 23,063.52 13,987.89 44,763.09 6,992.00 59,087.10 11,429.08 10,039.90 6,155.80 19,000.89 3,785.45 4,862.13 113,390.01 4,407.32 3,940.46 27,909.31

1,242,205

2,057,159.97

UY 2011

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

50 408 38 144 34 110 28 152 1,940 1,736 491 86 834 295 49 76 154 30 4 66 289 22 19 5 18 2 8 470 9 9 63 7,639

2,623.88 38,421.97 2,029.89 19,373.50 875.34 35,397.22 2,351.04 7,419.90 145,813.62 185,345.35 46,825.74 2,379.77 99,826.94 25,974.53 1,903.59 3,567.34 26,097.93 2,266.11 8.50 6,813.38 15,660.90 960.47 3,925.21 58.58 1,176.43 376.97 563.17 76,266.98 849.07 12.68 7,307.33 762,473.33

13.71 28.05 5.05 32.47 4.57 71.79 21.97 19.00 34.71 54.61 32.58 13.99 38.92 44.49 12.11 14.43 47.85 9.83 0.06 15.22 26.50 8.40 39.10 0.95 6.19 9.96 11.58 67.26 19.26 0.32 26.18 37.06

Premium

Number of

Claim

% LOSS

Claims

Incured

RATIO

13,265 82,392 44,057 40,466 12,959 30,093 12,723 23,516 221,030 197,859 106,720 12,736 138,689 34,146 10,371 17,818 27,821 15,186 6,222 38,309 5,112 31,719 9,570 7,047 3,233 8,356 1,007 3,714 47,882 2,707 2,191 15,447

14,277.54 132,453.78 49,316.12 53,746.64 17,313.17 42,002.94 9,214.53 75,281.52 410,642.89 314,244.38 144,906.06 16,529.07 218,465.26 54,388.77 12,644.86 20,391.75 52,649.00 21,801.56 8,177.46 46,911.42 6,058.32 56,774.84 10,487.95 8,570.71 5,627.60 13,990.68 1,767.11 3,650.28 97,585.08 2,703.54 2,463.20 25,819.22

13 56 9 12 4 21 5 8 223 132 55 64 18 10 10 10 13 9 2 28 4 52 2 2 8

957.12 8,955.51 321.31 3,450.64 1,006.37 1,205.60 464.81 137.67 6,466.74 7,774.10 2,606.22 6,179.35 3,723.11 451.81 374.76 316.42 1,496.09 3,820.88 101.37 5,322.73 182.93 6,095.55 15.00 33.00 87.70

6.70 6.76 0.65 6.42 5.81 2.87 5.04 0.18 1.57 2.47 1.80 2.83 6.85 3.57 1.84 0.60 6.86 8.14 1.67 9.38 1.31 6.25 0.55 1.34 0.34

1,224,363

1,950,857.25

770

61,546.79

3.15

Note : Data yang diterima hingga 15 Desember 2011 dan klaim-klaim yang terjadi sebagai berikut : (Data received up to 15 December 2011) and Claim Incured as follows) : Claim Settled

Number of

Outstanding Claims

Number of

(in Rp)

Cases

(in Rp)

Cases

Year

1,459,482,024,871.67

14,620

103,104,245,128.33

1,022

2008

1,596,847,157,190.46

15,425

29,837,482,809.54

781

2009

745,490,954,679.55

7,347

16,982,375,320.45

292

2010

61,373,983,915.31

729

172,806,084.69

2011 Page 3 0f 3

GRAFIK - GRAPH

COMPARATION GRAPH OF POLICIES NUMBER 2008 - 2011

1,000,000 950,000 900,000 850,000 800,000 750,000 700,000 650,000

Number of Policies

600,000 550,000 500,000

UY 2008 UY 2009

450,000

UY 2010 UY 2011

400,000 350,000 300,000 250,000 200,000 150,000 100,000 50,000 20

Occupation Code

1 of 10

COMPARATION GRAPH OF PREMIUM 2008 - 2011

1,300,000.00

1,200,000.00

1,100,000.00

1,000,000.00 UY 2008 UY 2009

Premium ( in million Rp)

900,000.00

UY 2010 UY 2011

800,000.00

700,000.00

600,000.00

500,000.00

400,000.00

300,000.00

200,000.00

100,000.00

Occupation Code

2 of 10

COMPARATION GRAPH OF CLAIM NUMBER 2008- 2 011

5,500

5,000

4,500

4,000

UY 2008 UY 2009 UY 2010

3,500

Number of Claim

UY 2011

3,000

2,500

2,000

1,500

1,000

500

Occupation Code

3 of 10

COMPARATION GRAPH OF CLAIM 2008 - 2011 1,400,000.00

1,200,000.00

1,000,000.00

UY 2008

Claim Incurred ( in million rupiah )

UY 2009 UY 2010 UY 2011

800,000.00

600,000.00

400,000.00

200,000.00

Occupation Code

4 of 10

COMPARATION GRAPH OF LOSS RATIO 2008 - 2 011

4,000

3,500

3,000

% Ratio

2,500

2,000

UY 2008 UY 2009 UY 2010 1,500

UY 2011

1,000

500

0 20

Occupation Code

5 of 10

COMPARATION GRAPH OF POLICIES NUMBER 2008- -2011

225,000

200,000

175,000

150,000 UY 2008 UY 2009

Number of policies

125,000

UY 2010 UY 2011

100,000 75,000 50,000 25,000 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22

Province Code

6 of 10

COMPARATION GRAPH OF PREMIUM 2008-2011 800,000.00

700,000.00

Premium

( in million Rp)

600,000.00

500,000.00 UY 2008 UY 2009

400,000.00

UY 2010 UY 2011

300,000.00

200,000.00

100,000.00

01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24

Province Code

7 of 10

COMPARATION GRAPH OF CLAIM NUMBER 2008 - 2011

4,000

3,500

3,000 UY 2008

Number of Claim

2,500

UY 2009 UY 2010

2,000

UY 2011

1,500

1,000

500

01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21

Province Code

8 of 10

COMPARATION GRAPH OF CLAIM 2008 - 2011 1,200,000.00

1,000,000.00

Claim Incurred (in million Rupiah)

UY 2008 UY 2009

800,000.00

UY 2010 UY 2011 600,000.00

400,000.00

200,000.00

01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24

Province Code

9 of 10

COMPARATION GRAPH OF LOSS RATIO 2008 - 2011

700

600

% Ratio

500

400

UY 2008

300

UY 2009 UY 2010

200

UY 2011

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

Province Code

10 of 10

EXAMPLE FOR REAL OCCUPATION CODE  216 - GLASS PROCESSING AND MIRROR FACTORIES  2403 - SYNTHETIC FIBRES (MECHANICAL PROCESS)  24522 - CARPET MANUFACTURERS  2722 - BAKERIES AND BISCUIT WORKS  2930 - DISPENSARIES

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 216 Glass processing and mirror factories (Pabrik pemrosesan kaca dan cermin)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 24 19 11 7 14 14 4 13 7 8 9 15 3 14 10 24 28 20 20 10 274

24 43 54 61 75 89 93 106 113 121 130 145 148 162 172 196 224 244 264 274

8.76 8.76 6.93 15.69 4.01 19.71 2.55 22.26 5.11 27.37 5.11 32.48 1.46 33.94 4.74 38.69 2.55 41.24 2.92 44.16 3.28 47.45 5.47 52.92 1.09 54.01 5.11 59.12 3.65 62.77 8.76 71.53 10.22 81.75 7.30 89.05 7.30 96.35 3.65 100.00

153.73 4.58 12.49 14.48 31.33 14.21 5.22 5.04 7.63 6.96 11.91 21.56 14.17 60.56 21.72 142.99 194.59 74.38 134.53 87.98 1,020.06

153.73 158.31 170.80 185.27 216.60 230.82 236.04 241.08 248.70 255.66 267.57 289.13 303.31 363.87 385.59 528.58 723.17 797.54 932.08 1,020.06

15.07 15.07 0.45 15.52 1.22 16.74 1.42 18.16 3.07 21.23 1.39 22.63 0.51 23.14 0.49 23.63 0.75 24.38 0.68 25.06 1.17 26.23 2.11 28.34 1.39 29.73 5.94 35.67 2.13 37.80 14.02 51.82 19.08 70.89 7.29 78.19 13.19 91.38 8.62 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 0 0 0 0 0 0 0 0 0 0 1 0 0 0 8 6 8 3 11 6 43

0 0 0 0 0 0 0 0 0 0 1 1 1 1 9 15 23 26 37 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 0.00 2.33 2.33 0.00 2.33 0.00 2.33 0.00 2.33 18.60 20.93 13.95 34.88 18.60 53.49 6.98 60.47 25.58 86.05 13.95 100.00

CLAIM SEVERITY (in million Rupiah) 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 3,781.10 5,151.96 965.40 1.67 146.63 324.13 10,370.89

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 3,781.10 8,933.06 9,898.45 9,900.13 10,046.76 10,370.89

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 0.00 0.00 0.00 0.00 0.00 0.00 36.46 36.46 49.68 86.14 9.31 95.44 0.02 95.46 1.41 96.87 3.13 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

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 17,409.79 3,603.05 496.12 2.25 108.99 368.42

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 0.00 980.60 1,690.02 1,368.76 1,241.33 1,077.89 1,016.70

1016.70

Page 1 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 216 Glass processing and mirror factories (Pabrik pemrosesan kaca dan cermin)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 7 8 5 3 12 7 6 4 4 2 5 7 8 11 6 24 12 15 25 5 176

7 15 20 23 35 42 48 52 56 58 63 70 78 89 95 119 131 146 171 176

3.98 3.98 4.55 8.52 2.84 11.36 1.70 13.07 6.82 19.89 3.98 23.86 3.41 27.27 2.27 29.55 2.27 31.82 1.14 32.95 2.84 35.80 3.98 39.77 4.55 44.32 6.25 50.57 3.41 53.98 13.64 67.61 6.82 74.43 8.52 82.95 14.20 97.16 2.84 100.00

13.47 1.03 1.87 2.25 13.87 9.33 5.22 5.26 4.24 3.97 17.43 21.89 43.99 65.98 35.39 265.30 177.36 49.34 600.23 26.10 1,363.52

13.47 14.50 16.37 18.62 32.49 41.82 47.04 52.30 56.54 60.51 77.94 99.84 143.83 209.81 245.19 510.49 687.85 737.19 1,337.41 1,363.52

0.99 0.99 0.08 1.06 0.14 1.20 0.16 1.37 1.02 2.38 0.68 3.07 0.38 3.45 0.39 3.84 0.31 4.15 0.29 4.44 1.28 5.72 1.61 7.32 3.23 10.55 4.84 15.39 2.60 17.98 19.46 37.44 13.01 50.45 3.62 54.07 44.02 98.09 1.91 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM.

LOSS RATIO PERCENTAGE BAND CUM.

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7 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 10,220.03 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 20,715.31 0.00 0.00

10,220.03

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10,220.03 100.00 100.00 10,220.03 0.00 100.00 10,220.03 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 1,386.35 764.16 749.53

749.53

Page 2 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 216 Glass processing and mirror factories (Pabrik pemrosesan kaca dan cermin)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5 13 6 9 16 7 6 10 2 1 5 5 5 7 10 18 26 13 24 8 196

5 18 24 33 49 56 62 72 74 75 80 85 90 97 107 125 151 164 188 196

2.55 2.55 6.63 9.18 3.06 12.24 4.59 16.84 8.16 25.00 3.57 28.57 3.06 31.63 5.10 36.73 1.02 37.76 0.51 38.27 2.55 40.82 2.55 43.37 2.55 45.92 3.57 49.49 5.10 54.59 9.18 63.78 13.27 77.04 6.63 83.67 12.24 95.92 4.08 100.00

18.00 4.10 3.66 3.16 17.56 9.04 6.79 15.17 3.80 1.65 10.66 21.24 40.57 55.04 57.81 236.40 335.01 120.23 244.95 81.08 1,285.90

18.00 22.10 25.76 28.92 46.48 55.52 62.31 77.47 81.27 82.93 93.58 114.82 155.38 210.42 268.23 504.62 839.63 959.86 1,204.81 1,285.90

1.40 1.40 0.32 1.72 0.28 2.00 0.25 2.25 1.37 3.61 0.70 4.32 0.53 4.85 1.18 6.02 0.30 6.32 0.13 6.45 0.83 7.28 1.65 8.93 3.15 12.08 4.28 16.36 4.50 20.86 18.38 39.24 26.05 65.30 9.35 74.65 19.05 93.69 6.31 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 0 3 0 0 0 5

0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 2 5 5 5 5

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 40.00 0.00 60.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 40.00 40.00 100.00 100.00 100.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 0.00 405.71 0.00 4.16 0.00 0.00 0.00 409.87

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 405.71 405.71 409.87 409.87 409.87 409.87

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 98.99 0.00 1.01 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 98.99 701.85 151.26 98.99 0.00 80.40 100.00 1.24 48.82 100.00 0.00 42.70 100.00 0.00 34.02 100.00 0.00 31.87 31.87

Page 3 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 216 Glass processing and mirror factories (Pabrik pemrosesan kaca dan cermin)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2 3 5 12 6 17 2 11 8 2 4 8 7 5 5 7 11 6 12 2 135

2 5 10 22 28 45 47 58 66 68 72 80 87 92 97 104 115 121 133 135

1.48 1.48 2.22 3.70 3.70 7.41 8.89 16.30 4.44 20.74 12.59 33.33 1.48 34.81 8.15 42.96 5.93 48.89 1.48 50.37 2.96 53.33 5.93 59.26 5.19 64.44 3.70 68.15 3.70 71.85 5.19 77.04 8.15 85.19 4.44 89.63 8.89 98.52 1.48 100.00

18.85 0.86 1.36 6.11 6.04 12.54 5.08 12.48 17.85 3.87 8.81 15.19 24.95 49.24 34.66 51.53 252.49 69.46 274.05 0.42 865.86

18.85 19.72 21.08 27.19 33.23 45.78 50.86 63.34 81.19 85.06 93.87 109.05 134.01 183.24 217.91 269.44 521.93 591.39 865.44 865.86

2.18 2.18 0.10 2.28 0.16 2.43 0.71 3.14 0.70 3.84 1.45 5.29 0.59 5.87 1.44 7.32 2.06 9.38 0.45 9.82 1.02 10.84 1.75 12.59 2.88 15.48 5.69 21.16 4.00 25.17 5.95 31.12 29.16 60.28 8.02 68.30 31.65 99.95 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 0 0 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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 4 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 2403 Synthetic fibres (mechanical process)-loading if applicable (Serat yang sepenuhnya sintetis)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 20 1 1 1 1 1 1 2 5 3 2 2 2 1 4 17 15 8 19 8 114

20 21 22 23 24 25 26 28 33 36 38 40 42 43 47 64 79 87 106 114

17.54 17.54 0.88 18.42 0.88 19.30 0.88 20.18 0.88 21.05 0.88 21.93 0.88 22.81 1.75 24.56 4.39 28.95 2.63 31.58 1.75 33.33 1.75 35.09 1.75 36.84 0.88 37.72 3.51 41.23 14.91 56.14 13.16 69.30 7.02 76.32 16.67 92.98 7.02 100.00

238.43 2.30 2.60 2.85 3.88 4.15 3.39 10.01 15.59 19.13 22.24 4.77 7.48 0.00 83.72 261.02 121.01 178.76 287.79 86.77 1,355.88

238.43 240.73 243.33 246.18 250.05 254.20 257.59 267.60 283.19 302.32 324.56 329.33 336.81 336.81 420.53 681.55 802.56 981.32 1,269.11 1,355.88

17.58 17.58 0.17 17.75 0.19 17.95 0.21 18.16 0.29 18.44 0.31 18.75 0.25 19.00 0.74 19.74 1.15 20.89 1.41 22.30 1.64 23.94 0.35 24.29 0.55 24.84 0.00 24.84 6.17 31.02 19.25 50.27 8.92 59.19 13.18 72.38 21.23 93.60 6.40 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 6 8 2 0 26

6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 10 16 24 26 26

23.08 23.08 0.00 23.08 0.00 23.08 0.00 23.08 0.00 23.08 0.00 23.08 0.00 23.08 0.00 23.08 0.00 23.08 0.00 23.08 0.00 23.08 0.00 23.08 0.00 23.08 0.00 23.08 0.00 23.08 15.38 38.46 23.08 61.54 30.77 92.31 7.69 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 2,404.64 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 11.32 232.03 973.87 0.00 0.00 3,621.85

2,404.64 2,404.64 2,404.64 2,404.64 2,404.64 2,404.64 2,404.64 2,404.64 2,404.64 2,404.64 2,404.64 2,404.64 2,404.64 2,404.64 2,404.64 2,415.95 2,647.98 3,621.85 3,621.85 3,621.85

66.39 66.39 0.00 66.39 0.00 66.39 0.00 66.39 0.00 66.39 0.00 66.39 0.00 66.39 0.00 66.39 0.00 66.39 0.00 66.39 0.00 66.39 0.00 66.39 0.00 66.39 0.00 66.39 0.00 66.39 0.31 66.70 6.41 73.11 26.89 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

LOSS RATIO PERCENTAGE BAND CUM. 1,008.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.34 191.74 544.80 0.00 0.00

1,008.53 998.91 988.23 976.78 961.65 945.95 933.51 898.60 849.13 795.40 740.89 730.16 713.95 713.95 571.81 354.48 329.94 369.08 285.39 267.12

267.12

Page 5 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 2403 Synthetic fibres (mechanical process)-loading if applicable (Serat yang sepenuhnya sintetis)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 16 1 1 1 1 1 2 5 4 1 2 1 2 3 5 26 10 16 34 8 140

16 17 18 19 20 21 23 28 32 33 35 36 38 41 46 72 82 98 132 140

11.43 11.43 0.71 12.14 0.71 12.86 0.71 13.57 0.71 14.29 0.71 15.00 1.43 16.43 3.57 20.00 2.86 22.86 0.71 23.57 1.43 25.00 0.71 25.71 1.43 27.14 2.14 29.29 3.57 32.86 18.57 51.43 7.14 58.57 11.43 70.00 24.29 94.29 5.71 100.00

108.68 0.67 2.60 2.85 1.60 4.25 5.40 15.40 9.36 2.85 19.07 6.50 12.00 29.87 68.34 235.58 72.37 152.44 543.06 95.42 1,388.30

108.68 109.35 111.95 114.80 116.40 120.65 126.05 141.45 150.81 153.65 172.72 179.22 191.22 221.10 289.44 525.01 597.38 749.82 1,292.88 1,388.30

7.83 7.83 0.05 7.88 0.19 8.06 0.21 8.27 0.12 8.38 0.31 8.69 0.39 9.08 1.11 10.19 0.67 10.86 0.21 11.07 1.37 12.44 0.47 12.91 0.86 13.77 2.15 15.93 4.92 20.85 16.97 37.82 5.21 43.03 10.98 54.01 39.12 93.13 6.87 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 15 0 0 0 0 0 0 0 1 0 0 0 0 0 2 14 0 7 10 3 52

15 15 15 15 15 15 15 15 16 16 16 16 16 16 18 32 32 39 49 52

28.85 28.85 0.00 28.85 0.00 28.85 0.00 28.85 0.00 28.85 0.00 28.85 0.00 28.85 0.00 28.85 1.92 30.77 0.00 30.77 0.00 30.77 0.00 30.77 0.00 30.77 0.00 30.77 3.85 34.62 26.92 61.54 0.00 61.54 13.46 75.00 19.23 94.23 5.77 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 513.50 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 11.81 7,337.73 0.00 223.21 266.43 114.52 8,467.19

513.50 513.50 513.50 513.50 513.50 513.50 513.50 513.50 513.50 513.50 513.50 513.50 513.50 513.50 525.31 7,863.04 7,863.04 8,086.25 8,352.67 8,467.19

6.06 6.06 0.00 6.06 0.00 6.06 0.00 6.06 0.00 6.06 0.00 6.06 0.00 6.06 0.00 6.06 0.00 6.06 0.00 6.06 0.00 6.06 0.00 6.06 0.00 6.06 0.00 6.06 0.14 6.20 86.66 92.86 0.00 92.86 2.64 95.50 3.15 98.65 1.35 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

LOSS RATIO PERCENTAGE BAND CUM. 472.50 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 17.28 3,114.82 0.00 146.42 49.06 120.02

472.50 469.59 458.68 447.29 441.14 425.60 407.37 363.02 340.50 334.19 297.30 286.51 268.53 232.25 181.49 1,497.69 1,316.25 1,078.43 646.05 609.90

609.90

Page 6 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 2403 Synthetic fibres (mechanical process)-loading if applicable (Serat yang sepenuhnya sintetis)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 8 1 4 3 4 4 5 9 11 2 9 3 2 4 8 17 13 7 24 12 150

8 9 13 16 20 24 29 38 49 51 60 63 65 69 77 94 107 114 138 150

5.33 5.33 0.67 6.00 2.67 8.67 2.00 10.67 2.67 13.33 2.67 16.00 3.33 19.33 6.00 25.33 7.33 32.67 1.33 34.00 6.00 40.00 2.00 42.00 1.33 43.33 2.67 46.00 5.33 51.33 11.33 62.67 8.67 71.33 4.67 76.00 16.00 92.00 8.00 100.00

49.16 0.02 0.39 0.34 1.79 5.60 11.51 46.44 53.02 2.49 39.96 27.59 13.00 29.66 53.70 164.00 76.67 41.54 332.88 148.44 1,098.20

49.16 49.18 49.57 49.91 51.70 57.31 68.81 115.25 168.27 170.76 210.72 238.31 251.31 280.96 334.67 498.67 575.34 616.88 949.76 1,098.20

4.48 4.48 0.00 4.48 0.04 4.51 0.03 4.54 0.16 4.71 0.51 5.22 1.05 6.27 4.23 10.49 4.83 15.32 0.23 15.55 3.64 19.19 2.51 21.70 1.18 22.88 2.70 25.58 4.89 30.47 14.93 45.41 6.98 52.39 3.78 56.17 30.31 86.48 13.52 100.00

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

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

CLAIM SEVERITY (in million Rupiah) 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 0.00 844.86 0.00 0.00 0.00 844.86

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 844.86 100.00 100.00 844.86 0.00 100.00 844.86 0.00 100.00 844.86 0.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

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 1,101.92 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 146.84 136.96 88.95 76.93

76.93

Page 7 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 2403 Synthetic fibres (mechanical process)-loading if applicable (Serat yang sepenuhnya sintetis)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4 1 1 1 1 1 3 3 2 4 5 2 9 1 7 15 9 6 23 4 102

4 5 6 7 8 9 12 15 17 21 26 28 37 38 45 60 69 75 98 102

3.92 3.92 0.98 4.90 0.98 5.88 0.98 6.86 0.98 7.84 0.98 8.82 2.94 11.76 2.94 14.71 1.96 16.67 3.92 20.59 4.90 25.49 1.96 27.45 8.82 36.27 0.98 37.25 6.86 44.12 14.71 58.82 8.82 67.65 5.88 73.53 22.55 96.08 3.92 100.00

7.59 0.12 0.26 2.24 2.46 0.12 2.18 3.61 5.15 26.24 21.13 10.26 55.18 1.89 52.78 146.64 62.41 69.40 452.24 92.65 1,014.55

7.59 7.71 7.96 10.20 12.66 12.78 14.95 18.56 23.71 49.95 71.08 81.34 136.53 138.42 191.20 337.84 400.26 469.66 921.90 1,014.55

0.75 0.75 0.01 0.76 0.03 0.79 0.22 1.01 0.24 1.25 0.01 1.26 0.21 1.47 0.36 1.83 0.51 2.34 2.59 4.92 2.08 7.01 1.01 8.02 5.44 13.46 0.19 13.64 5.20 18.85 14.45 33.30 6.15 39.45 6.84 46.29 44.58 90.87 9.13 100.00

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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 24522 Carpet manufacturers (Pabrik pembuatan karpet)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 13 1 1 1 1 1 1 1 1 1 1 1 1 1 2 2 1 8 6 0 45

13 14 15 16 17 18 19 20 21 22 23 24 25 26 28 30 31 39 45 45

28.89 28.89 2.22 31.11 2.22 33.33 2.22 35.56 2.22 37.78 2.22 40.00 2.22 42.22 2.22 44.44 2.22 46.67 2.22 48.89 2.22 51.11 2.22 53.33 2.22 55.56 2.22 57.78 4.44 62.22 4.44 66.67 2.22 68.89 17.78 86.67 13.33 100.00 0.00 100.00

160.99 2.12 4.71 2.97 15.52 15.85 1.03 4.45 5.90 13.20 4.80 0.15 3.74 0.02 7.53 7.20 7.17 201.04 73.61 0.00 532.01

160.99 163.11 167.82 170.79 186.31 202.16 203.19 207.64 213.55 226.75 231.55 231.70 235.44 235.46 242.99 250.19 257.36 458.40 532.01 532.01

30.26 30.26 0.40 30.66 0.89 31.54 0.56 32.10 2.92 35.02 2.98 38.00 0.19 38.19 0.84 39.03 1.11 40.14 2.48 42.62 0.90 43.52 0.03 43.55 0.70 44.25 0.00 44.26 1.42 45.67 1.35 47.03 1.35 48.37 37.79 86.16 13.84 100.00 0.00 100.00

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

3 3 3 3 3 3 5 5 5 7 7 7 7 7 7 7 7 7 7 7

42.86 0.00 0.00 0.00 0.00 0.00 28.57 0.00 0.00 28.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

42.86 42.86 42.86 42.86 42.86 42.86 71.43 71.43 71.43 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 94.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 107.84

94.40 94.40 94.40 94.40 94.40 94.40 94.40 94.40 94.40 107.84 107.84 107.84 107.84 107.84 107.84 107.84 107.84 107.84 107.84 107.84

87.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

87.54 58.64 87.54 0.00 87.54 0.00 87.54 0.00 87.54 0.00 87.54 0.00 87.54 0.00 87.54 0.00 87.54 0.00 100.00 101.82 100.00 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

58.64 57.88 56.25 55.27 50.67 46.70 46.46 45.46 44.21 47.56 46.57 46.54 45.81 45.80 44.38 43.10 41.90 23.53 20.27 20.27

20.27

Page 9 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 24522 Carpet manufacturers (Pabrik pembuatan karpet)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 20 1 1 1 1 1 1 1 1 1 1 4 3 7 4 7 13 5 18 0 91

20 21 22 23 24 25 26 27 28 29 30 34 37 44 48 55 68 73 91 91

21.98 21.98 1.10 23.08 1.10 24.18 1.10 25.27 1.10 26.37 1.10 27.47 1.10 28.57 1.10 29.67 1.10 30.77 1.10 31.87 1.10 32.97 4.40 37.36 3.30 40.66 7.69 48.35 4.40 52.75 7.69 60.44 14.29 74.73 5.49 80.22 19.78 100.00 0.00 100.00

81.07 1.83 3.65 3.65 16.57 5.25 15.52 2.38 6.69 0.18 4.33 28.00 28.61 31.88 2.32 55.26 139.78 56.90 332.81 0.00 816.66

81.07 82.90 86.55 90.20 106.77 112.02 127.54 129.92 136.60 136.78 141.11 169.12 197.73 229.60 231.92 287.18 426.95 483.85 816.66 816.66

9.93 9.93 0.22 10.15 0.45 10.60 0.45 11.04 2.03 13.07 0.64 13.72 1.90 15.62 0.29 15.91 0.82 16.73 0.02 16.75 0.53 17.28 3.43 20.71 3.50 24.21 3.90 28.12 0.28 28.40 6.77 35.16 17.12 52.28 6.97 59.25 40.75 100.00 0.00 100.00

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

4 4 4 4 4 4 4 4 4 4 4 7 7 7 7 7 7 7 9 9

44.44 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 0.00 44.44 33.33 77.78 0.00 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 0.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 10.69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.41 0.00 0.00 0.00 0.00 0.00 0.00 9.22 0.00 45.32

10.69 10.69 10.69 10.69 10.69 10.69 10.69 10.69 10.69 10.69 10.69 36.10 36.10 36.10 36.10 36.10 36.10 36.10 45.32 45.32

23.60 23.60 0.00 23.60 0.00 23.60 0.00 23.60 0.00 23.60 0.00 23.60 0.00 23.60 0.00 23.60 0.00 23.60 0.00 23.60 0.00 23.60 56.06 79.65 0.00 79.65 0.00 79.65 0.00 79.65 0.00 79.65 0.00 79.65 0.00 79.65 20.35 100.00 0.00 100.00

13.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 90.72 0.00 0.00 0.00 0.00 0.00 0.00 2.77 0.00

13.19 12.90 12.36 11.86 10.02 9.55 8.39 8.23 7.83 7.82 7.58 21.35 18.26 15.72 15.57 12.57 8.46 7.46 5.55 5.55

5.55

Page 10 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 24522 Carpet manufacturers (Pabrik pembuatan karpet)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 14 1 1 1 1 5 2 6 2 1 3 6 4 10 5 15 8 11 14 0 110

14 15 16 17 18 23 25 31 33 34 37 43 47 57 62 77 85 96 110 110

12.73 12.73 0.91 13.64 0.91 14.55 0.91 15.45 0.91 16.36 4.55 20.91 1.82 22.73 5.45 28.18 1.82 30.00 0.91 30.91 2.73 33.64 5.45 39.09 3.64 42.73 9.09 51.82 4.55 56.36 13.64 70.00 7.27 77.27 10.00 87.27 12.73 100.00 0.00 100.00

62.45 17.43 2.92 29.73 0.02 10.41 9.24 8.43 7.38 4.33 12.60 27.07 18.00 21.34 7.69 107.16 58.26 109.23 52.57 0.00 566.22

62.45 79.88 82.80 112.52 112.54 122.95 132.18 140.61 147.99 152.31 164.91 191.98 209.98 231.32 239.01 346.16 404.42 513.65 566.22 566.22

11.03 11.03 3.08 14.11 0.51 14.62 5.25 19.87 0.00 19.88 1.84 21.71 1.63 23.35 1.49 24.83 1.30 26.14 0.76 26.90 2.23 29.13 4.78 33.91 3.18 37.08 3.77 40.85 1.36 42.21 18.93 61.14 10.29 71.42 19.29 90.72 9.28 100.00 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 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 11 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 24522 Carpet manufacturers (Pabrik pembuatan karpet)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2 1 1 1 4 3 2 3 3 3 2 3 7 6 12 15 9 5 9 2 93

2 3 4 5 9 12 14 17 20 23 25 28 35 41 53 68 77 82 91 93

2.15 2.15 1.08 3.23 1.08 4.30 1.08 5.38 4.30 9.68 3.23 12.90 2.15 15.05 3.23 18.28 3.23 21.51 3.23 24.73 2.15 26.88 3.23 30.11 7.53 37.63 6.45 44.09 12.90 56.99 16.13 73.12 9.68 82.80 5.38 88.17 9.68 97.85 2.15 100.00

23.50 0.32 0.02 7.61 3.97 2.60 6.89 6.43 6.06 12.22 6.34 11.57 27.13 21.03 76.07 119.36 96.30 81.06 161.91 0.00 670.39

23.50 23.82 23.84 31.44 35.41 38.01 44.90 51.33 57.39 69.62 75.96 87.53 114.66 135.69 211.76 331.12 427.42 508.48 670.39 670.39

3.51 3.51 0.05 3.55 0.00 3.56 1.13 4.69 0.59 5.28 0.39 5.67 1.03 6.70 0.96 7.66 0.90 8.56 1.82 10.38 0.95 11.33 1.73 13.06 4.05 17.10 3.14 20.24 11.35 31.59 17.80 49.39 14.37 63.76 12.09 75.85 24.15 100.00 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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 12 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 2722 Bakeries and biscuit works (Pabrik roti dan biskuit)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM. 174 151 254 331 319 177 145 135 68 45 41 52 36 52 53 79 49 14 23 11

2,209

174 325 579 910 1,229 1,406 1,551 1,686 1,754 1,799 1,840 1,892 1,928 1,980 2,033 2,112 2,161 2,175 2,198 2,209

7.88 7.88 6.84 14.71 11.50 26.21 14.98 41.20 14.44 55.64 8.01 63.65 6.56 70.21 6.11 76.32 3.08 79.40 2.04 81.44 1.86 83.30 2.35 85.65 1.63 87.28 2.35 89.63 2.40 92.03 3.58 95.61 2.22 97.83 0.63 98.46 1.04 99.50 0.50 100.00

335.94 83.97 73.72 120.91 239.83 186.19 445.74 282.34 180.24 174.67 712.16 222.76 153.66 309.37 424.82 668.05 416.75 112.07 166.52 722.63 6,032.35

335.94 419.91 493.63 614.54 854.38 1,040.56 1,486.31 1,768.65 1,948.88 2,123.55 2,835.71 3,058.47 3,212.13 3,521.50 3,946.32 4,614.37 5,031.13 5,143.20 5,309.72 6,032.35

5.57 5.57 1.39 6.96 1.22 8.18 2.00 10.19 3.98 14.16 3.09 17.25 7.39 24.64 4.68 29.32 2.99 32.31 2.90 35.20 11.81 47.01 3.69 50.70 2.55 53.25 5.13 58.38 7.04 65.42 11.07 76.49 6.91 83.40 1.86 85.26 2.76 88.02 11.98 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 6 2 0 0 2 11 2 2 2 0 0 0 3 2 0 1 3 0 0 6 42

6 8 8 8 10 21 23 25 27 27 27 27 30 32 32 33 36 36 36 42

14.29 14.29 4.76 19.05 0.00 19.05 0.00 19.05 4.76 23.81 26.19 50.00 4.76 54.76 4.76 59.52 4.76 64.29 0.00 64.29 0.00 64.29 0.00 64.29 7.14 71.43 4.76 76.19 0.00 76.19 2.38 78.57 7.14 85.71 0.00 85.71 0.00 85.71 14.29 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 37.74 3.57 0.00 0.00 13.08 685.76 234.00 27.63 2.19 0.00 0.00 0.00 3,390.98 70.81 0.00 0.00 107.10 0.00 0.00 150.98 4,723.84

37.74 41.32 41.32 41.32 54.40 740.16 974.16 1,001.78 1,003.97 1,003.97 1,003.97 1,003.97 4,394.95 4,465.76 4,465.76 4,465.76 4,572.86 4,572.86 4,572.86 4,723.84

0.80 0.80 0.08 0.87 0.00 0.87 0.00 0.87 0.28 1.15 14.52 15.67 4.95 20.62 0.58 21.21 0.05 21.25 0.00 21.25 0.00 21.25 0.00 21.25 71.78 93.04 1.50 94.54 0.00 94.54 0.00 94.54 2.27 96.80 0.00 96.80 0.00 96.80 3.20 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

LOSS RATIO PERCENTAGE BAND CUM. 11.23 4.26 0.00 0.00 5.46 368.32 52.50 9.78 1.22 0.00 0.00 0.00 2,206.83 22.89 0.00 0.00 25.70 0.00 0.00 20.89

11.23 9.84 8.37 6.72 6.37 71.13 65.54 56.64 51.52 47.28 35.40 32.83 136.82 126.81 113.16 96.78 90.89 88.91 86.12 78.31

78.31

Page 13 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 2722 Bakeries and biscuit works (Pabrik roti dan biskuit)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

4,863 451 311 268 315 188 131 135 95 41 44 47 27 65 52 80 65 26 39 18 7,261

4,863 5,314 5,625 5,893 6,208 6,396 6,527 6,662 6,757 6,798 6,842 6,889 6,916 6,981 7,033 7,113 7,178 7,204 7,243 7,261

66.97 66.97 6.21 73.19 4.28 77.47 3.69 81.16 4.34 85.50 2.59 88.09 1.80 89.89 1.86 91.75 1.31 93.06 0.56 93.62 0.61 94.23 0.65 94.88 0.37 95.25 0.90 96.14 0.72 96.86 1.10 97.96 0.90 98.86 0.36 99.21 0.54 99.75 0.25 100.00

437.18 79.15 78.53 102.93 270.94 218.97 203.32 331.42 230.06 145.08 193.07 226.44 131.46 367.24 318.07 792.86 802.91 174.63 170.33 122.02 5,396.61

437.18 516.33 594.87 697.79 968.73 1,187.70 1,391.02 1,722.44 1,952.49 2,097.57 2,290.65 2,517.09 2,648.55 3,015.79 3,333.86 4,126.72 4,929.64 5,104.26 5,274.59 5,396.61

8.10 8.10 1.47 9.57 1.46 11.02 1.91 12.93 5.02 17.95 4.06 22.01 3.77 25.78 6.14 31.92 4.26 36.18 2.69 38.87 3.58 42.45 4.20 46.64 2.44 49.08 6.81 55.88 5.89 61.78 14.69 76.47 14.88 91.35 3.24 94.58 3.16 97.74 2.26 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 12 7 4 0 2 4 4 0 0 2 2 3 10 2 3 5 5 4 0 0 69

12 19 23 23 25 29 33 33 33 35 37 40 50 52 55 60 65 69 69 69

17.39 17.39 10.14 27.54 5.80 33.33 0.00 33.33 2.90 36.23 5.80 42.03 5.80 47.83 0.00 47.83 0.00 47.83 2.90 50.72 2.90 53.62 4.35 57.97 14.49 72.46 2.90 75.36 4.35 79.71 7.25 86.96 7.25 94.20 5.80 100.00 0.00 100.00 0.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM.

LOSS RATIO PERCENTAGE BAND CUM.

160.00 224.61 4.71 0.00 2.00 3.74 873.50 0.00 0.00 14.70 119.79 336.33 142.28 67.48 168.16 10,018.07 155.54 0.00 0.00 0.00

36.60 283.78 6.00 0.00 0.74 1.71 429.63 0.00 0.00 10.13 62.05 148.53 108.23 18.37 52.87 1263.53 19.37 0.00 0.00 0.00

12,290.91

160.00 384.61 389.32 389.32 391.32 395.06 1,268.56 1,268.56 1,268.56 1,283.26 1,403.05 1,739.38 1,881.66 1,949.14 2,117.30 12,135.37 12,290.91 12,290.91 12,290.91 12,290.91

1.30 1.83 0.04 0.00 0.02 0.03 7.11 0.00 0.00 0.12 0.97 2.74 1.16 0.55 1.37 81.51 1.27 0.00 0.00 0.00

1.30 3.13 3.17 3.17 3.18 3.21 10.32 10.32 10.32 10.44 11.42 14.15 15.31 15.86 17.23 98.73 100.00 100.00 100.00 100.00

36.60 74.49 65.45 55.79 40.40 33.26 91.20 73.65 64.97 61.18 61.25 69.10 71.04 64.63 63.51 294.07 249.33 240.80 233.02 227.75

227.75

Page 14 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 2722 Bakeries and biscuit works (Pabrik roti dan biskuit)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,541 416 317 303 378 223 163 159 87 67 60 57 43 105 47 76 93 24 35 17 6,211

3,541 3,957 4,274 4,577 4,955 5,178 5,341 5,500 5,587 5,654 5,714 5,771 5,814 5,919 5,966 6,042 6,135 6,159 6,194 6,211

57.01 57.01 6.70 63.71 5.10 68.81 4.88 73.69 6.09 79.78 3.59 83.37 2.62 85.99 2.56 88.55 1.40 89.95 1.08 91.03 0.97 92.00 0.92 92.92 0.69 93.61 1.69 95.30 0.76 96.06 1.22 97.28 1.50 98.78 0.39 99.16 0.56 99.73 0.27 100.00

433.32 82.54 98.89 111.44 284.49 260.91 295.72 339.67 225.67 188.87 286.01 243.00 213.61 531.33 319.22 672.33 888.19 232.41 393.09 158.42 6,259.14

433.32 515.86 614.75 726.20 1,010.69 1,271.60 1,567.32 1,906.99 2,132.66 2,321.52 2,607.54 2,850.54 3,064.15 3,595.48 3,914.70 4,587.04 5,475.23 5,707.64 6,100.73 6,259.14

6.92 6.92 1.32 8.24 1.58 9.82 1.78 11.60 4.55 16.15 4.17 20.32 4.72 25.04 5.43 30.47 3.61 34.07 3.02 37.09 4.57 41.66 3.88 45.54 3.41 48.95 8.49 57.44 5.10 62.54 10.74 73.29 14.19 87.48 3.71 91.19 6.28 97.47 2.53 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 0 0 0 3 0 2 0 0 0 0 4 0 3 2 7 0 2 4 0 31

4 4 4 4 7 7 9 9 9 9 9 13 13 16 18 25 25 27 31 31

12.90 12.90 0.00 12.90 0.00 12.90 0.00 12.90 9.68 22.58 0.00 22.58 6.45 29.03 0.00 29.03 0.00 29.03 0.00 29.03 0.00 29.03 12.90 41.94 0.00 41.94 9.68 51.61 6.45 58.06 22.58 80.65 0.00 80.65 6.45 87.10 12.90 100.00 0.00 100.00

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 48.97 0.00 0.00 0.00 1.19 0.00 2.00 0.00 0.00 0.00 0.00 277.82 0.00 409.43 19.69 114.05 0.00 204.80 705.82 0.00 1,783.78

48.97 48.97 48.97 48.97 50.16 50.16 52.16 52.16 52.16 52.16 52.16 329.99 329.99 739.42 759.11 873.16 873.16 1,077.96 1,783.78 1,783.78

2.75 2.75 11.30 0.00 2.75 0.00 0.00 2.75 0.00 0.00 2.75 0.00 0.07 2.81 0.42 0.00 2.81 0.00 0.11 2.92 0.68 0.00 2.92 0.00 0.00 2.92 0.00 0.00 2.92 0.00 0.00 2.92 0.00 15.57 18.50 114.33 0.00 18.50 0.00 22.95 41.45 77.06 1.10 42.56 6.17 6.39 48.95 16.96 0.00 48.95 0.00 11.48 60.43 88.12 39.57 100.00 179.56 0.00 100.00 0.00

11.30 9.49 7.97 6.74 4.96 3.94 3.33 2.74 2.45 2.25 2.00 11.58 10.77 20.57 19.39 19.04 15.95 18.89 29.24 28.50

28.50

Page 15 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 2722 Bakeries and biscuit works (Pabrik roti dan biskuit)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE F rp RP BAND CUM. BAND CUM.

2,311 107 1,723 149 866 160 377 172 246 187 117 154 103 142 137 177 179 39 42 16 7,404

2,311 2,418 4,141 4,290 5,156 5,316 5,693 5,865 6,111 6,298 6,415 6,569 6,672 6,814 6,951 7,128 7,307 7,346 7,388 7,404

31.21 31.21 1.45 32.66 23.27 55.93 2.01 57.94 11.70 69.64 2.16 71.80 5.09 76.89 2.32 79.21 3.32 82.54 2.53 85.06 1.58 86.64 2.08 88.72 1.39 90.11 1.92 92.03 1.85 93.88 2.39 96.27 2.42 98.69 0.53 99.22 0.57 99.78 0.22 100.00

195.86 31.48 76.96 75.94 176.25 223.48 202.05 239.55 191.40 156.31 198.87 235.88 146.41 423.69 515.03 749.94 1,001.26 324.30 496.68 180.04 5,841.37

195.86 227.34 304.30 380.24 556.49 779.97 982.02 1,221.57 1,412.97 1,569.28 1,768.15 2,004.03 2,150.44 2,574.13 3,089.16 3,839.10 4,840.36 5,164.66 5,661.33 5,841.37

3.35 3.35 0.54 3.89 1.32 5.21 1.30 6.51 3.02 9.53 3.83 13.35 3.46 16.81 4.10 20.91 3.28 24.19 2.68 26.86 3.40 30.27 4.04 34.31 2.51 36.81 7.25 44.07 8.82 52.88 12.84 65.72 17.14 82.86 5.55 88.42 8.50 96.92 3.08 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 0 0 0 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 0.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.86

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.86 100.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00 0.86 0.00 100.00

0.00 0.00 0.00 1.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.23 0.15 0.11 0.09 0.07 0.06 0.05 0.05 0.04 0.04 0.03 0.03 0.02 0.02 0.02 0.02 0.01

0.01

Page 16 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2008 2930 Dispensaries (Rumah obat/apotik)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 383 219 434 375 521 420 322 289 125 58 57 45 33 17 12 29 4 1 2 0 3,346

383 602 1,036 1,411 1,932 2,352 2,674 2,963 3,088 3,146 3,203 3,248 3,281 3,298 3,310 3,339 3,343 3,344 3,346 3,346

11.45 11.45 6.55 17.99 12.97 30.96 11.21 42.17 15.57 57.74 12.55 70.29 9.62 79.92 8.64 88.55 3.74 92.29 1.73 94.02 1.70 95.73 1.34 97.07 0.99 98.06 0.51 98.57 0.36 98.92 0.87 99.79 0.12 99.91 0.03 99.94 0.06 100.00 0.00 100.00

263.98 47.93 161.42 220.27 470.69 418.16 448.87 381.36 219.99 117.00 112.70 96.15 30.85 58.84 24.67 42.88 4.55 21.83 (40.42) 0.00 3,101.73

263.98 311.91 473.33 693.60 1,164.29 1,582.45 2,031.32 2,412.68 2,632.68 2,749.68 2,862.38 2,958.53 2,989.38 3,048.22 3,072.89 3,115.77 3,120.32 3,142.15 3,101.73 3,101.73

8.51 1.55 5.20 7.10 15.18 13.48 14.47 12.30 7.09 3.77 3.63 3.10 0.99 1.90 0.80 1.38 0.15 0.70 (1.30) 0.00

8.51 10.06 15.26 22.36 37.54 51.02 65.49 77.79 84.88 88.65 92.28 95.38 96.38 98.27 99.07 100.45 100.60 101.30 100.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 4 0 3 4 0 2 6 4 0 0 0 4 0 0 0 4 0 0 0 31

0 4 4 7 11 11 13 19 23 23 23 23 27 27 27 27 31 31 31 31

0.00 12.90 0.00 9.68 12.90 0.00 6.45 19.35 12.90 0.00 0.00 0.00 12.90 0.00 0.00 0.00 12.90 0.00 0.00 0.00

0.00 12.90 12.90 22.58 35.48 35.48 41.94 61.29 74.19 74.19 74.19 74.19 87.10 87.10 87.10 87.10 100.00 100.00 100.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 0.00 1,460.99 0.00 18.02 17.63 0.00 33.77 40.54 80.58 0.00 0.00 0.00 7.12 0.00 0.00 0.00 10.52 0.00 0.00 0.00 1,669.17

0.00 1,460.99 1,460.99 1,479.02 1,496.65 1,496.65 1,530.41 1,570.95 1,651.53 1,651.53 1,651.53 1,651.53 1,658.65 1,658.65 1,658.65 1,658.65 1,669.17 1,669.17 1,669.17 1,669.17

0.00 87.53 0.00 1.08 1.06 0.00 2.02 2.43 4.83 0.00 0.00 0.00 0.43 0.00 0.00 0.00 0.63 0.00 0.00 0.00

0.00 87.53 87.53 88.61 89.66 89.66 91.69 94.12 98.94 98.94 98.94 98.94 99.37 99.37 99.37 99.37 100.00 100.00 100.00 100.00

: : :

01/01/2008 15/12/2011 15/04/2012

LOSS RATIO PERCENTAGE BAND CUM. 0.00 3,048.29 0.00 8.18 3.75 0.00 7.52 10.63 36.63 0.00 0.00 0.00 23.09 0.00 0.00 0.00 231.20 0.00 0.00 0.00

0.00 468.41 308.66 213.24 128.55 94.58 75.34 65.11 62.73 60.06 57.70 55.82 55.48 54.41 53.98 53.23 53.49 53.12 53.81 53.81

53.81

Page 17 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2009 2930 Dispensaries (Rumah obat/apotik)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 381 213 387 395 618 413 297 198 119 49 34 24 14 14 10 15 4 1 1 0 3,187

381 594 981 1,376 1,994 2,407 2,704 2,902 3,021 3,070 3,104 3,128 3,142 3,156 3,166 3,181 3,185 3,186 3,187 3,187

11.95 11.95 6.68 18.64 12.14 30.78 12.39 43.18 19.39 62.57 12.96 75.53 9.32 84.84 6.21 91.06 3.73 94.79 1.54 96.33 1.07 97.40 0.75 98.15 0.44 98.59 0.44 99.03 0.31 99.34 0.47 99.81 0.13 99.94 0.03 99.97 0.03 100.00 0.00 100.00

214.42 55.71 153.18 215.69 498.62 515.55 508.68 320.79 256.67 153.69 154.69 54.55 67.29 66.45 109.63 62.06 45.02 8.91 271.73 0.00 3,733.32

214.42 270.13 423.31 639.00 1,137.62 1,653.16 2,161.84 2,482.63 2,739.30 2,892.99 3,047.68 3,102.23 3,169.53 3,235.97 3,345.60 3,407.67 3,452.68 3,461.59 3,733.32 3,733.32

5.74 5.74 1.49 7.24 4.10 11.34 5.78 17.12 13.36 30.47 13.81 44.28 13.63 57.91 8.59 66.50 6.88 73.37 4.12 77.49 4.14 81.63 1.46 83.10 1.80 84.90 1.78 86.68 2.94 89.61 1.66 91.28 1.21 92.48 0.24 92.72 7.28 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 3 4 0 1 0 5 5 2 0 0 0 0 0 0 0 0 0 0 0 26

6 9 13 13 14 14 19 24 26 26 26 26 26 26 26 26 26 26 26 26

23.08 11.54 15.38 0.00 3.85 0.00 19.23 19.23 7.69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

23.08 34.62 50.00 50.00 53.85 53.85 73.08 92.31 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

: : :

01/01/2009 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 23.33 101.67 79.29 0.00 0.00 0.00 83.63 197.16 20.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 505.25

23.33 125.00 204.28 204.28 204.28 204.28 287.91 485.07 505.25 505.25 505.25 505.25 505.25 505.25 505.25 505.25 505.25 505.25 505.25 505.25

4.62 20.12 15.69 0.00 0.00 0.00 16.55 39.02 3.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4.62 10.88 24.74 182.48 40.43 51.76 40.43 0.00 40.43 0.00 40.43 0.00 56.98 16.44 96.01 61.46 100.00 7.86 100.00 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

10.88 46.27 48.26 31.97 17.96 12.36 13.32 19.54 18.44 17.46 16.58 16.29 15.94 15.61 15.10 14.83 14.63 14.60 13.53 13.53

13.53

Page 18 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2010 2930 Dispensaries (Rumah obat/apotik)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 202 177 460 402 591 381 283 244 181 55 51 42 35 21 21 20 11 1 3 0 3,181

202 379 839 1,241 1,832 2,213 2,496 2,740 2,921 2,976 3,027 3,069 3,104 3,125 3,146 3,166 3,177 3,178 3,181 3,181

6.35 6.35 5.56 11.91 14.46 26.38 12.64 39.01 18.58 57.59 11.98 69.57 8.90 78.47 7.67 86.14 5.69 91.83 1.73 93.56 1.60 95.16 1.32 96.48 1.10 97.58 0.66 98.24 0.66 98.90 0.63 99.53 0.35 99.87 0.03 99.91 0.09 100.00 0.00 100.00

104.84 37.30 136.74 244.55 475.50 431.45 453.06 455.49 311.21 146.62 132.07 72.29 90.80 87.62 60.67 46.65 37.74 11.47 904.16 0.00 4,240.23

104.84 142.14 278.88 523.43 998.93 1,430.38 1,883.43 2,338.92 2,650.14 2,796.76 2,928.83 3,001.12 3,091.92 3,179.54 3,240.21 3,286.86 3,324.60 3,336.07 4,240.23 4,240.23

2.47 2.47 0.88 3.35 3.22 6.58 5.77 12.34 11.21 23.56 10.18 33.73 10.68 44.42 10.74 55.16 7.34 62.50 3.46 65.96 3.11 69.07 1.70 70.78 2.14 72.92 2.07 74.99 1.43 76.42 1.10 77.52 0.89 78.41 0.27 78.68 21.32 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 2 0 0 0 6 0 0 0 0 0 0 0 0 0 0 6 0 14

0 0 0 2 2 2 2 8 8 8 8 8 8 8 8 8 8 8 14 14

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

: : :

01/01/2010 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 0.00 0.00 337.48 0.00 0.00 0.00 47.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 35.52 0.00 420.28

0.00 0.00 0.00 337.48 337.48 337.48 337.48 384.75 384.75 384.75 384.75 384.75 384.75 384.75 384.75 384.75 384.75 384.75 420.28 420.28

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 80.30 80.30 138.00 0.00 80.30 0.00 0.00 80.30 0.00 0.00 80.30 0.00 11.25 91.55 10.38 0.00 91.55 0.00 0.00 91.55 0.00 0.00 91.55 0.00 0.00 91.55 0.00 0.00 91.55 0.00 0.00 91.55 0.00 0.00 91.55 0.00 0.00 91.55 0.00 0.00 91.55 0.00 0.00 91.55 0.00 8.45 100.00 3.93 0.00 100.00 0.00

0.00 0.00 0.00 64.47 33.78 23.59 17.92 16.45 14.52 13.76 13.14 12.82 12.44 12.10 11.87 11.71 11.57 11.53 9.91 9.91

9.91

Page 19 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION 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

TOTAL FR, IAR, LOP, EQ 2011 2930 Dispensaries (Rumah obat/apotik)

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 104 167 377 376 564 360 257 228 216 225 145 202 77 85 47 65 27 9 0 0 3,531

104 271 648 1,024 1,588 1,948 2,205 2,433 2,649 2,874 3,019 3,221 3,298 3,383 3,430 3,495 3,522 3,531 3,531 3,531

2.95 2.95 4.73 7.67 10.68 18.35 10.65 29.00 15.97 44.97 10.20 55.17 7.28 62.45 6.46 68.90 6.12 75.02 6.37 81.39 4.11 85.50 5.72 91.22 2.18 93.40 2.41 95.81 1.33 97.14 1.84 98.98 0.76 99.75 0.25 100.00 0.00 100.00 0.00 100.00

69.94 21.20 105.34 135.69 321.40 325.57 270.89 272.33 247.86 125.40 152.08 82.66 90.17 124.59 79.41 144.03 106.23 67.22 0.00 0.00 2,742.00

69.94 91.14 196.48 332.17 653.57 979.14 1,250.03 1,522.36 1,770.22 1,895.61 2,047.69 2,130.35 2,220.52 2,345.10 2,424.51 2,568.54 2,674.78 2,742.00 2,742.00 2,742.00

2.55 2.55 0.77 3.32 3.84 7.17 4.95 12.11 11.72 23.84 11.87 35.71 9.88 45.59 9.93 55.52 9.04 64.56 4.57 69.13 5.55 74.68 3.01 77.69 3.29 80.98 4.54 85.53 2.90 88.42 5.25 93.67 3.87 97.55 2.45 100.00 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

: : :

01/01/2011 15/12/2011 15/04/2012

CLAIM SEVERITY (in million Rupiah) 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 20 of 20