Statistik bppdan edisi des 2012 by Reasuransi Internasional Indonesia

PT .REASURANSII NTERNASI ONALI NDONESI A SELAKUADMI NI STRATORBPPDAN

EDI SIDESEMBER2012

STATI STI K

ASURANSIKEBAKARAN

BADANPENGELOLAPUSATDATAASURANSINASI ONAL

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DAFTAR ISI - CONTENTS BAGIAN 1 - SECTION 1 : RISK AND LOSS PROFILE 2009

Page

1.1

ALL CLASS OF BUSINESS ………………………………………………………………………………………………………………………………. 1

1.2

GROUP BY CLASS OF BUSINESS I.2.1 CLASS OF BUSINESS FIRE …………………………………………………………………………………………………………………. 2 I.2.2 CLASS OF BUSINESS INDUSTRIAL ALL RISK (IAR) ……………………………………………………………………………… 3 I.2.3 CLASS OF BUSINESS LOST OF PROFIT (LOP) ………………………………………………………………………………………. 4 I.2.4 CLASS OF BUSINESS EARTHQUAKE (EQ) …………………………………………………………………………………………… 5

1.3

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

1.4

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

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

Badan Pengelola Pusat Data Asuransi Nasional (BPPDAN)

BAGIAN 2 - SECTION 2 : RISK AND LOSS PROFILE 2010

Page

2.1

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

2.2

GROUP BY CLASS OF BUSINESS 2.2.1 CLASS OF BUSINESS FIRE …………………………………………………………………………………………………………………. 53 2.2.2 CLASS OF BUSINESS INDUSTRIAL ALL RISK (IAR) ……………………………………………………………………………… 54 2.2.3 CLASS OF BUSINESS LOST OF PROFIT (LOP) ………………………………………………………………………………………. 55 2.2.4 CLASS OF BUSINESS EARTHQUAKE (EQ) …………………………………………………………………………………………… 56

2.3

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

2.4

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

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 2011

Page

3.1

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

3.2

GROUP BY CLASS OF BUSINESS 3.2.1 CLASS OF BUSINESS FIRE …………………………………………………………………………………………………………………. 104 3.2.2 CLASS OF BUSINESS INDUSTRIAL ALL RISK (IAR) ……………………………………………………………………………… 105 3.2.3 CLASS OF BUSINESS LOST OF PROFIT (LOP) ………………………………………………………………………………………. 106 3.2.4 CLASS OF BUSINESS EARTHQUAKE (EQ) …………………………………………………………………………………………… 107

3.3

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

3.4

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

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 2012

Page

4.1

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

4.2

GROUP BY CLASS OF BUSINESS 4.2.1 CLASS OF BUSINESS FIRE …………………………………………………………………………………………………………………. 155 4.2.2 CLASS OF BUSINESS INDUSTRIAL ALL RISK (IAR) ……………………………………………………………………………… 156 4.2.3 CLASS OF BUSINESS LOST OF PROFIT (LOP) ………………………………………………………………………………………. 157 4.2.4 CLASS OF BUSINESS EARTHQUAKE (EQ) …………………………………………………………………………………………… 158

4.3

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

4.4

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

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 GRAPH COMPARISON OF POLICIES NUMBER BY OCCUPATION ……..……………………………………………………. 1 GRAPH COMPARISON OF PREMIUM BY OCCUPATION …..……………………………………………………………………… 2 GRAPH COMPARISON OF CLAIM NUMBER BY OCCUPATION …………..…………………………………………………… 3 GRAPH COMPARISON OF CLAIM BY OCCUPATION ……………….……………………………………………………………….. 4 GRAPH COMPARISON OF LOSS RATIO BY OCCUPATION …………..………………………………………………………….. 5 GRAPH COMPARISON OF POLICIES NUMBER BY PROVINCE .…………………...……...…………………………………… 6 GRAPH COMPARISON OF PREMIUM BY PROVINCE .……..……………………………………………………………………….. 7 GRAPH COMPARISON OF CLAIM NUMBER BY PROVINCE …………………………………………………………………….. 8 GRAPH COMPARISON OF CLAIM BY PROVINCE …………………………………………………………………………………….. 9 GRAPH COMPARISON OF LOSS RATIO BY PROVINCE ….…………………………………………………………………………. 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 : 2222 - ACCUMULATOR AND DRY BATTERY FACTORIES 7.1.1 RISK AND LOSS PROFILE 2009 ……………………………………………………………………………………………………… 1 7.1.2 RISK AND LOSS PROFILE 2010 ……………………………………………………………………………………………………… 2 7.1.3 RISK AND LOSS PROFILE 2011 ……………………………………………………………………………………………………… 3 7.1.4 RISK AND LOSS PROFILE 2012 ……………………………………………………………………………………………………… 4 7.2

OCCUPATION CODE : 2232 - CABLE FACTORIES 7.2.1 RISK AND LOSS PROFILE 2009 ……………………………………………………………………………………………………… 5 7.2.2 RISK AND LOSS PROFILE 2010 ……………………………………………………………………………………………………… 6 7.2.3 RISK AND LOSS PROFILE 2011 ……………………………………………………………………………………………………… 7 7.2.4 RISK AND LOSS PROFILE 2012 ……………………………………………………………………………………………………… 8

7.3

OCCUPATION CODE : 2261 - RADIO AND TELEVISION RECEIVER FACTORIES AND OR ASSEMBLING PLANTS, AUDIO AND AUDIO VIDEO RECORDER AND OR PLAYER FACTORIES AND OR ASSEMBLING PLANTS, MANUFACTURE OF PARTS FOR RADIO AND TELEVISION RECEIVERS, AUDIO AND AUDIO VIDEO RECORDERS AND OR PLAYERS 9 7.3.1 RISK AND LOSS PROFILE 2009 ……………………………………………………………………………………………………… 10 7.3.2 RISK AND LOSS PROFILE 2010 ……………………………………………………………………………………………………… 11 7.3.3 RISK AND LOSS PROFILE 2011 ……………………………………………………………………………………………………… 12 7.3.4 RISK AND LOSS PROFILE 2012 ………………………………………………………………………………………………………

7.4

OCCUPATION CODE : 2961 - MOTOR VEHICLE REPAIR SHOPS WITH FACILITIES FOR BODY REPAIR WORK (INCLUDING WELDING/SOLDERING AND SPRAY PAINTING) AND SERVICE STATIONS (PARTS REPLACEMENT, REPLACING/TOPPING UP ENGINE OIL, BRAKE FLUID, LUBRICATION AND ENGINE/BODY/CHASSIS SCRUBBING/ WASHING) 13 7.4.1 RISK AND LOSS PROFILE 2009 ……………………………………………………………………………………………………… 14 7.4.2 RISK AND LOSS PROFILE 2010 ……………………………………………………………………………………………………… 15 7.4.3 RISK AND LOSS PROFILE 2011 ……………………………………………………………………………………………………… 16 7.4.4 RISK AND LOSS PROFILE 2012 ………………………………………………………………………………………………………

7.5

OCCUPATION CODE : 2976 - DWELLING HOUSES, NOT CLASSIFIED AS SHOP HOUSES, NOT EXCEEDING 3 STOREYS 17 7.5.1 RISK AND LOSS PROFILE 2009 ……………………………………………………………………………………………………… 18 7.5.2 RISK AND LOSS PROFILE 2010 ……………………………………………………………………………………………………… 19 7.5.3 RISK AND LOSS PROFILE 2011 ……………………………………………………………………………………………………… 20 7.5.4 RISK AND LOSS PROFILE 2012 ………………………………………………………………………………………………………

Badan Pengelola Pusat Data Asuransi Nasional (BPPDAN)

RISK AND LOSS PROFILE 2009

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 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

: : :

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 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. 198,521 162,072 213,915 135,937 155,025 82,761 60,924 49,418 28,201 15,903 12,572 15,449 10,303 13,988 8,633 14,752 13,740 6,880 8,403 3,026 1,210,423

198,521 360,593 574,508 710,445 865,470 948,231 1,009,155 1,058,573 1,086,774 1,102,677 1,115,249 1,130,698 1,141,001 1,154,989 1,163,622 1,178,374 1,192,114 1,198,994 1,207,397 1,210,423

16.40 16.40 13.39 29.79 17.67 47.46 11.23 58.69 12.81 71.50 6.84 78.34 5.03 83.37 4.08 87.45 2.33 89.78 1.31 91.10 1.04 92.14 1.28 93.41 0.85 94.26 1.16 95.42 0.71 96.13 1.22 97.35 1.14 98.49 0.57 99.06 0.69 99.75 0.25 100.00

130,536.12 35,300.98 80,055.36 78,492.45 136,557.28 105,620.62 108,373.16 111,886.99 83,646.64 58,554.81 57,203.53 72,490.10 58,564.72 92,210.66 71,083.89 163,138.64 165,452.91 81,135.70 118,566.65 72,163.86 1,881,035.07

130,536.12 165,837.10 245,892.45 324,384.90 460,942.18 566,562.80 674,935.96 786,822.94 870,469.59 929,024.40 986,227.93 1,058,718.04 1,117,282.76 1,209,493.42 1,280,577.31 1,443,715.95 1,609,168.87 1,690,304.57 1,808,871.21 1,881,035.07

6.94 6.94 1.88 8.82 4.26 13.07 4.17 17.25 7.26 24.50 5.62 30.12 5.76 35.88 5.95 41.83 4.45 46.28 3.11 49.39 3.04 52.43 3.85 56.28 3.11 59.40 4.90 64.30 3.78 68.08 8.67 76.75 8.80 85.55 4.31 89.86 6.30 96.16 3.84 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2,494 556 1,067 775 1,048 680 651 760 478 360 352 490 403 713 688 1,179 1,634 1,088 2,350 1,812 19,578

2,494 3,050 4,117 4,892 5,940 6,620 7,271 8,031 8,509 8,869 9,221 9,711 10,114 10,827 11,515 12,694 14,328 15,416 17,766 19,578

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

12.74 12.74 302,610.77 302,610.77 2.84 15.58 12,268.32 314,879.08 5.45 21.03 27,584.13 342,463.22 3.96 24.99 31,861.46 374,324.68 5.35 30.34 56,722.87 431,047.55 3.47 33.81 41,957.08 473,004.63 3.33 37.14 46,017.25 519,021.88 3.88 41.02 34,600.92 553,622.80 2.44 43.46 80,196.13 633,818.93 1.84 45.30 26,989.86 660,808.78 1.80 47.10 23,601.08 684,409.87 2.50 49.60 40,235.02 724,644.88 2.06 51.66 79,553.88 804,198.76 3.64 55.30 74,071.53 878,270.30 3.51 58.82 46,712.56 924,982.85 6.02 64.84 241,958.55 1,166,941.40 8.35 73.18 315,720.31 1,482,661.71 5.56 78.74 260,620.82 1,743,282.53 12.00 90.74 1,248,899.86 2,992,182.39 9.26 100.00 757,779.18 3,749,961.57 3,749,961.58

8.07 8.07 0.33 8.40 0.74 9.13 0.85 9.98 1.51 11.49 1.12 12.61 1.23 13.84 0.92 14.76 2.14 16.90 0.72 17.62 0.63 18.25 1.07 19.32 2.12 21.45 1.98 23.42 1.25 24.67 6.45 31.12 8.42 39.54 6.95 46.49 33.30 79.79 20.21 100.00

: : :

01/01/2009 15/12/2012 15/03/2013 LOSS RATIO PERCENTAGE BAND CUM. 231.82 34.75 34.46 40.59 41.54 39.72 42.46 30.92 95.87 46.09 41.26 55.50 135.84 80.33 65.71 148.31 190.82 321.22 1,053.33 1,050.08

231.82 189.87 139.27 115.40 93.51 83.49 76.90 70.36 72.81 71.13 69.40 68.45 71.98 72.61 72.23 80.83 92.14 103.13 165.42 199.36

199.36

Page 1 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 161,476 148,044 192,351 120,424 131,572 65,242 44,410 32,663 16,923 8,859 6,672 7,496 4,657 5,819 3,097 4,840 4,447 2,125 2,584 1,144 964,845

161,476 309,520 501,871 622,295 753,867 819,109 863,519 896,182 913,105 921,964 928,636 936,132 940,789 946,608 949,705 954,545 958,992 961,117 963,701 964,845

16.74 16.74 15.34 32.08 19.94 52.02 12.48 64.50 13.64 78.13 6.76 84.90 4.60 89.50 3.39 92.88 1.75 94.64 0.92 95.56 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. 65,179.26 31,584.19 73,249.90 71,585.85 121,330.70 90,701.67 87,271.31 85,209.04 58,905.02 39,283.22 35,830.27 43,800.14 34,179.31 50,307.98 33,540.91 67,949.84 55,000.39 25,568.61 26,130.21 26,096.28 1,122,704.09

65,179.26 96,763.45 170,013.35 241,599.19 362,929.89 453,631.56 540,902.87 626,111.91 685,016.93 724,300.15 760,130.42 803,930.56 838,109.87 888,417.85 921,958.76 989,908.60 1,044,908.99 1,070,477.60 1,096,607.81 1,122,704.09

5.81 5.81 2.81 8.62 6.52 15.14 6.38 21.52 10.81 32.33 8.08 40.41 7.77 48.18 7.59 55.77 5.25 61.01 3.50 64.51 3.19 67.71 3.90 71.61 3.04 74.65 4.48 79.13 2.99 82.12 6.05 88.17 4.90 93.07 2.28 95.35 2.33 97.68 2.32 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 913 377 584 380 496 291 273 288 140 95 112 128 131 207 133 458 535 255 546 488 6,830

913 1,290 1,874 2,254 2,750 3,041 3,314 3,602 3,742 3,837 3,949 4,077 4,208 4,415 4,548 5,006 5,541 5,796 6,342 6,830

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

13.37 13.37 75,434.69 75,434.69 5.52 18.89 9,946.42 85,381.12 8.55 27.44 18,934.36 104,315.47 5.56 33.00 17,184.91 121,500.39 7.26 40.26 28,763.21 150,263.60 4.26 44.52 15,352.32 165,615.92 4.00 48.52 23,784.72 189,400.64 4.22 52.74 20,369.20 209,769.84 2.05 54.79 18,065.79 227,835.63 1.39 56.18 15,207.17 243,042.81 1.64 57.82 11,678.67 254,721.47 1.87 59.69 10,280.21 265,001.69 1.92 61.61 59,128.68 324,130.36 3.03 64.64 22,473.61 346,603.97 1.95 66.59 6,473.48 353,077.45 6.71 73.29 54,414.64 407,492.10 7.83 81.13 145,634.53 553,126.63 3.73 84.86 33,720.11 586,846.73 7.99 92.86 314,888.51 901,735.24 7.14 100.00 21,420.77 923,156.01 923,156.01

8.17 8.17 1.08 9.25 2.05 11.30 1.86 13.16 3.12 16.28 1.66 17.94 2.58 20.52 2.21 22.72 1.96 24.68 1.65 26.33 1.27 27.59 1.11 28.71 6.41 35.11 2.43 37.55 0.70 38.25 5.89 44.14 15.78 59.92 3.65 63.57 34.11 97.68 2.32 100.00

115.73 115.73 31.49 88.24 25.85 61.36 24.01 50.29 23.71 41.40 16.93 36.51 27.25 35.02 23.90 33.50 30.67 33.26 38.71 33.56 32.59 33.51 23.47 32.96 173.00 38.67 44.67 39.01 19.30 38.30 80.08 41.16 264.79 52.94 131.88 54.82 1205.0 82.23 82.08 82.23 82.23

Page 2 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. 21,960 8,545 12,564 9,487 15,025 11,459 10,886 11,066 7,435 4,489 3,728 4,898 3,309 4,715 3,081 5,602 5,080 2,613 3,121 923 149,986

21,960 30,505 43,069 52,556 67,581 79,040 89,926 100,992 108,427 112,916 116,644 121,542 124,851 129,566 132,647 138,249 143,329 145,942 149,063 149,986

14.64 14.64 5.70 20.34 8.38 28.72 6.33 35.04 10.02 45.06 7.64 52.70 7.26 59.96 7.38 67.33 4.96 72.29 2.99 75.28 2.49 77.77 3.27 81.04 2.21 83.24 3.14 86.39 2.05 88.44 3.74 92.17 3.39 95.56 1.74 97.30 2.08 99.38 0.62 100.00

30,527.93 1,788.87 3,885.91 4,320.80 10,543.72 10,180.63 15,344.71 18,922.85 17,586.82 13,724.51 15,089.06 19,225.56 16,216.56 28,143.10 24,483.27 55,738.38 64,135.39 28,674.10 46,614.62 19,249.23 444,396.03

30,527.93 32,316.80 36,202.71 40,523.51 51,067.23 61,247.86 76,592.58 95,515.43 113,102.25 126,826.76 141,915.82 161,141.38 177,357.94 205,501.04 229,984.31 285,722.69 349,858.08 378,532.18 425,146.80 444,396.03

6.87 6.87 0.40 7.27 0.87 8.15 0.97 9.12 2.37 11.49 2.29 13.78 3.45 17.24 4.26 21.49 3.96 25.45 3.09 28.54 3.40 31.93 4.33 36.26 3.65 39.91 6.33 46.24 5.51 51.75 12.54 64.29 14.43 78.73 6.45 85.18 10.49 95.67 4.33 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,398 1,398 99 1,497 248 1,745 220 1,965 278 2,243 215 2,458 246 2,704 360 3,064 219 3,283 191 3,474 141 3,615 239 3,854 174 4,028 434 4,462 467 4,929 635 5,564 1,005 6,569 768 7,337 1,740 9,077 1,296 10,373 10,373

13.48 13.48 0.95 14.43 2.39 16.82 2.12 18.94 2.68 21.62 2.07 23.70 2.37 26.07 3.47 29.54 2.11 31.65 1.84 33.49 1.36 34.85 2.30 37.15 1.68 38.83 4.18 43.02 4.50 47.52 6.12 53.64 9.69 63.33 7.40 70.73 16.77 87.51 12.49 100.00

: : :

01/01/2009 15/12/2012 15/03/2013

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

LOSS RATIO PERCENTAGE BAND CUM.

213,409.90 213,409.90 1,268.62 214,678.52 5,119.44 219,797.96 9,465.64 229,263.60 6,781.63 236,045.23 5,811.21 241,856.44 13,558.47 255,414.91 9,954.79 265,369.70 48,784.41 314,154.11 5,584.48 319,738.59 8,418.09 328,156.69 16,539.89 344,696.58 12,728.03 357,424.61 42,803.41 400,228.02 18,421.39 418,649.41 173,494.17 592,143.58 99,764.53 691,908.11 202,613.93 894,522.05 621,741.63 1,516,263.67 732,337.73 2,248,601.41

699.06 70.92 131.74 219.07 64.32 57.08 88.36 52.61 277.39 40.69 55.79 86.03 78.49 152.09 75.24 311.27 155.55 706.61 1,333.79 3,804.50

2,248,601.41

9.49 9.49 0.06 9.55 0.23 9.77 0.42 10.20 0.30 10.50 0.26 10.76 0.60 11.36 0.44 11.80 2.17 13.97 0.25 14.22 0.37 14.59 0.74 15.33 0.57 15.90 1.90 17.80 0.82 18.62 7.72 26.33 4.44 30.77 9.01 39.78 27.65 67.43 32.57 100.00

699.06 664.29 607.13 565.75 462.22 394.88 333.47 277.83 277.76 252.11 231.23 213.91 201.53 194.76 182.03 207.24 197.77 236.31 356.64 505.99

505.99

Page 3 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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

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 4 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

: : :

EARTHQUAKE (EQ) 2009 ALL CODE

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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

25 15,084 15,084 75 5,472 20,556 150 8,998 29,554 250 6,026 35,580 400 8,411 43,991 625 6,045 50,036 875 5,621 55,657 1,250 5,672 61,329 1,750 3,833 65,162 2,250 2,549 67,711 2,750 2,167 69,878 3,500 3,050 72,928 4,500 2,327 75,255 6,250 3,445 78,700 8,750 2,442 81,142 15,000 4,288 85,430 35,000 4,188 89,618 75,000 2,132 91,750 300,000 2,683 94,433 947 95,380 95,380

15.81 15.81 5.74 21.55 9.43 30.99 6.32 37.30 8.82 46.12 6.34 52.46 5.89 58.35 5.95 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 85.07 4.50 89.57 4.39 93.96 2.24 96.19 2.81 99.01 0.99 100.00

34,828.83 1,918.00 2,918.96 2,585.80 4,675.64 4,733.00 5,748.15 7,732.08 7,147.38 5,535.48 6,280.68 9,464.79 8,135.56 13,724.08 13,001.85 39,414.20 46,179.98 27,012.66 45,787.83 26,803.58 313,628.53

34,828.83 36,746.83 39,665.79 42,251.59 46,927.23 51,660.22 57,408.37 65,140.45 72,287.83 77,823.31 84,103.99 93,568.78 101,704.34 115,428.42 128,430.28 167,844.48 214,024.46 241,037.12 286,824.95 313,628.53

11.11 11.11 0.61 11.72 0.93 12.65 0.82 13.47 1.49 14.96 1.51 16.47 1.83 18.30 2.47 20.77 2.28 23.05 1.76 24.81 2.00 26.82 3.02 29.83 2.59 32.43 4.38 36.80 4.15 40.95 12.57 53.52 14.72 68.24 8.61 76.85 14.60 91.45 8.55 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

183 80 235 175 274 174 132 112 119 74 99 119 98 72 88 86 94 65 64 24

13,766.17 1,053.27 3,530.34 5,210.92 21,178.03 20,793.54 8,674.06 4,276.93 13,345.92 6,198.20 3,504.32 13,266.38 7,697.17 8,794.52 21,817.69 14,049.73 70,321.25 24,286.78 312,269.72 2,676.95

2,367

183 263 498 673 947 1,121 1,253 1,365 1,484 1,558 1,657 1,776 1,874 1,946 2,034 2,120 2,214 2,279 2,343 2,367

7.73 7.73 3.38 11.11 9.93 21.04 7.39 28.43 11.58 40.01 7.35 47.36 5.58 52.94 4.73 57.67 5.03 62.70 3.13 65.82 4.18 70.00 5.03 75.03 4.14 79.17 3.04 82.21 3.72 85.93 3.63 89.56 3.97 93.54 2.75 96.28 2.70 98.99 1.01 100.00

576,711.90

13,766.17 14,819.44 18,349.78 23,560.70 44,738.73 65,532.27 74,206.32 78,483.26 91,829.18 98,027.38 101,531.71 114,798.09 122,495.26 131,289.78 153,107.47 167,157.20 237,478.44 261,765.23 574,034.95 576,711.90

2.39 2.39 0.18 2.57 0.61 3.18 0.90 4.09 3.67 7.76 3.61 11.36 1.50 12.87 0.74 13.61 2.31 15.92 1.07 17.00 0.61 17.61 2.30 19.91 1.33 21.24 1.52 22.77 3.78 26.55 2.44 28.98 12.19 41.18 4.21 45.39 54.15 99.54 0.46 100.00

39.53 54.92 120.95 201.52 452.94 439.33 150.90 55.31 186.72 111.97 55.80 140.17 94.61 64.08 167.80 35.65 152.28 89.91 681.99 9.99

39.53 40.33 46.26 55.76 95.34 126.85 129.26 120.48 127.03 125.96 120.72 122.69 120.44 113.74 119.21 99.59 110.96 108.60 200.13 183.88

183.88

Page 5 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 20

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Mining, Drilling, Installations, Salt Mines, Peat Extraction, Metallurgical Plants (Instalasi Pertambangan, Pengeboran, Tambang Garam (Mineral), Penggalian Tanah, Pabrik Pengolahan/Pengecoran Logam Logam)

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

25 75 150 250 400 625 875 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.

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

181 34 74 54 86 47 55 74 61 58 45 76 49 74 59 110 211 149 207 115

21 0 1 14 0 0 5 2 0 0 0 0 9 4 3 8 11 21 128 128

6,113.77 6,113.77 0.00 6,113.77 0.00 6,113.77 5,172.12 11,285.89 0.00 11,285.89 0.00 11,285.89 253.21 11,539.11 5.05 11,544.16 0.00 11,544.16 0.00 11,544.16 0.00 11,544.16 0.00 11,544.16 375.55 11,919.72 84.10 12,003.82 309.20 12,313.02 124.25 12,437.26 460.53 12,897.79 3,294.25 16,192.04 23,603.04 39,795.08 203,297.72 243,092.79

445.80 0.00 0.00 9,729.67 0.00 0.00 266.16 2.65 0.00 0.00 0.00 0.00 147.94 16.98 57.09 9.09 24.98 191.68 1,296.55 5,693.71

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 95.14 190.93 150.03 149.89 130.85 541.65 253.85 495.21 541.59 1,366.65 1,843.22 1,718.61 1,820.44 3,570.57 14,469.29

1,371.41 1,376.69 1,410.02 1,463.17 1,529.07 1,600.67 1,695.81 1,886.74 2,036.77 2,186.66 2,317.51 2,859.15 3,113.00 3,608.21 4,149.80 5,516.45 7,359.67 9,078.28 10,898.72 14,469.29

9.48 9.48 0.04 9.51 0.23 9.74 0.37 10.11 0.46 10.57 0.49 11.06 0.66 11.72 1.32 13.04 1.04 14.08 1.04 15.11 0.90 16.02 3.74 19.76 1.75 21.51 3.42 24.94 3.74 28.68 9.45 38.13 12.74 50.86 11.88 62.74 12.58 75.32 24.68 100.00

355

21 21 22 36 36 36 41 43 43 43 43 43 52 56 59 67 78 99 227 355

5.92 5.92 0.00 5.92 0.28 6.20 3.94 10.14 0.00 10.14 0.00 10.14 1.41 11.55 0.56 12.11 0.00 12.11 0.00 12.11 0.00 12.11 0.00 12.11 2.54 14.65 1.13 15.77 0.85 16.62 2.25 18.87 3.10 21.97 5.92 27.89 36.06 63.94 36.06 100.00

243,092.79

2.51 2.51 0.00 2.51 0.00 2.51 2.13 4.64 0.00 4.64 0.00 4.64 0.10 4.75 0.00 4.75 0.00 4.75 0.00 4.75 0.00 4.75 0.00 4.75 0.15 4.90 0.03 4.94 0.13 5.07 0.05 5.12 0.19 5.31 1.36 6.66 9.71 16.37 83.63 100.00

445.80 444.09 433.60 771.33 738.09 705.07 680.45 611.86 566.79 527.94 498.13 403.76 382.90 332.68 296.71 225.46 175.25 178.36 365.14 1,680.06

1,680.06

Page 6 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 21

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Stone, Earth, (Animal) Bones or Shells (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 4,095.11 454.52 14,601.94

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 14,147.42 14,601.94

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 11.43 1.94 13.37 1.57 14.94 2.66 17.60 2.24 19.84 2.23 22.07 4.38 26.45 3.80 30.25 10.89 41.14 19.33 60.48 8.37 68.84 28.04 96.89 3.11 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 47 4 0 2 0 0 11 4 0 2 6 0 0 3 9 8 24 15 55 31 221

47 51 51 53 53 53 64 68 68 70 76 76 76 79 88 96 120 135 190 221

21.27 21.27 1.81 23.08 0.00 23.08 0.90 23.98 0.00 23.98 0.00 23.98 4.98 28.96 1.81 30.77 0.00 30.77 0.90 31.67 2.71 34.39 0.00 34.39 0.00 34.39 1.36 35.75 4.07 39.82 3.62 43.44 10.86 54.30 6.79 61.09 24.89 85.97 14.03 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

4,336.99 450.06 0.00 9.93 0.00 0.00 504.41 31.22 0.00 809.05 151.75 0.00 0.00 18.67 328.05 287.74 8,653.79 85,584.14 5,554.21 7,608.19

478.70 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 2.92 59.10 18.10 306.57 7,005.04 135.63 1,673.91

114,328.19

4,336.99 4,787.05 4,787.05 4,796.98 4,796.98 4,796.98 5,301.38 5,332.61 5,332.61 6,141.65 6,293.40 6,293.40 6,293.40 6,312.07 6,640.12 6,927.86 15,581.65 101,165.79 106,720.01 114,328.19

3.79 3.79 0.39 4.19 0.00 4.19 0.01 4.20 0.00 4.20 0.00 4.20 0.44 4.64 0.03 4.66 0.00 4.66 0.71 5.37 0.13 5.50 0.00 5.50 0.00 5.50 0.02 5.52 0.29 5.81 0.25 6.06 7.57 13.63 74.86 88.49 4.86 93.35 6.65 100.00

478.70 510.52 481.38 451.94 398.85 369.98 365.48 319.37 273.07 281.51 244.82 217.20 195.28 163.42 150.31 115.32 176.45 1,006.39 754.34 782.97

782.97

Page 7 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 22

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Metals (Logam)

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

25 75 150 250 400 625 875 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. 1,564 307 496 466 686 524 534 656 477 386 269 502 381 654 413 773 946 490 793 428 11,745

1,564 1,871 2,367 2,833 3,519 4,043 4,577 5,233 5,710 6,096 6,365 6,867 7,248 7,902 8,315 9,088 10,034 10,524 11,317 11,745

13.32 13.32 2.61 15.93 4.22 20.15 3.97 24.12 5.84 29.96 4.46 34.42 4.55 38.97 5.59 44.56 4.06 48.62 3.29 51.90 2.29 54.19 4.27 58.47 3.24 61.71 5.57 67.28 3.52 70.80 6.58 77.38 8.05 85.43 4.17 89.60 6.75 96.36 3.64 100.00

5,571.84 137.75 194.26 234.65 457.19 714.25 796.57 1,204.70 1,068.01 982.34 827.68 1,810.51 2,057.13 3,860.45 2,991.52 8,114.50 11,272.16 4,953.39 11,774.56 4,351.53 63,375.01

5,571.84 5,709.60 5,903.85 6,138.50 6,595.69 7,309.95 8,106.52 9,311.22 10,379.23 11,361.57 12,189.25 13,999.76 16,056.89 19,917.34 22,908.86 31,023.36 42,295.52 47,248.91 59,023.47 63,375.01

8.79 8.79 0.22 9.01 0.31 9.32 0.37 9.69 0.72 10.41 1.13 11.53 1.26 12.79 1.90 14.69 1.69 16.38 1.55 17.93 1.31 19.23 2.86 22.09 3.25 25.34 6.09 31.43 4.72 36.15 12.80 48.95 17.79 66.74 7.82 74.55 18.58 93.13 6.87 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

114 2 2 2 0 3 5 18 3 0 2 17 19 31 13 50 50 92 147 105

67,076.56 2.10 7.50 3.99 0.00 1,372.95 284.47 1,611.00 817.62 0.00 21.49 2,054.37 789.01 581.79 392.41 2,938.45 4,013.96 5,566.14 119,510.50 4,098.62

1,203.85 1.52 3.86 1.70 0.00 192.22 35.71 133.73 76.56 0.00 2.60 113.47 38.36 15.07 13.12 36.21 35.61 112.37 1,014.99 94.19

675

114 116 118 120 120 123 128 146 149 149 151 168 187 218 231 281 331 423 570 675

16.89 16.89 0.30 17.19 0.30 17.48 0.30 17.78 0.00 17.78 0.44 18.22 0.74 18.96 2.67 21.63 0.44 22.07 0.00 22.07 0.30 22.37 2.52 24.89 2.81 27.70 4.59 32.30 1.93 34.22 7.41 41.63 7.41 49.04 13.63 62.67 21.78 84.44 15.56 100.00

211,142.95

67,076.56 67,078.66 67,086.16 67,090.15 67,090.15 68,463.10 68,747.57 70,358.57 71,176.19 71,176.19 71,197.68 73,252.06 74,041.07 74,622.86 75,015.27 77,953.72 81,967.69 87,533.83 207,044.33 211,142.95

31.77 31.77 0.00 31.77 0.00 31.77 0.00 31.77 0.00 31.77 0.65 32.43 0.13 32.56 0.76 33.32 0.39 33.71 0.00 33.71 0.01 33.72 0.97 34.69 0.37 35.07 0.28 35.34 0.19 35.53 1.39 36.92 1.90 38.82 2.64 41.46 56.60 98.06 1.94 100.00

1,203.85 1,174.84 1,136.31 1,092.94 1,017.18 936.57 848.05 755.63 685.76 626.46 584.10 523.24 461.12 374.66 327.45 251.27 193.80 185.26 350.78 333.16

333.16

Page 8 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 23

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Chemical / Oil / Gas (Kimia / Minyak / Gas)

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,457 180 384 378 689 653 735 855 707 483 505 732 618 977 580 1,256 1,209 670 832 367 14,267

1,457 1,637 2,021 2,399 3,088 3,741 4,476 5,331 6,038 6,521 7,026 7,758 8,376 9,353 9,933 11,189 12,398 13,068 13,900 14,267

10.21 10.21 1.26 11.47 2.69 14.17 2.65 16.82 4.83 21.64 4.58 26.22 5.15 31.37 5.99 37.37 4.96 42.32 3.39 45.71 3.54 49.25 5.13 54.38 4.33 58.71 6.85 65.56 4.07 69.62 8.80 78.43 8.47 86.90 4.70 91.60 5.83 97.43 2.57 100.00

8,833.71 181.49 460.69 491.32 1,009.77 1,165.60 1,670.26 2,357.94 2,400.50 2,051.93 2,813.28 3,698.65 3,690.70 7,402.62 5,316.03 14,569.18 17,381.93 7,856.85 10,263.07 8,356.97 101,972.48

8,833.71 9,015.19 9,475.88 9,967.20 10,976.97 12,142.57 13,812.82 16,170.77 18,571.27 20,623.20 23,436.48 27,135.13 30,825.84 38,228.45 43,544.48 58,113.67 75,495.60 83,352.44 93,615.51 101,972.48

8.66 8.66 0.18 8.84 0.45 9.29 0.48 9.77 0.99 10.76 1.14 11.91 1.64 13.55 2.31 15.86 2.35 18.21 2.01 20.22 2.76 22.98 3.63 26.61 3.62 30.23 7.26 37.49 5.21 42.70 14.29 56.99 17.05 74.04 7.70 81.74 10.06 91.80 8.20 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

151 5 2 22 6 9 4 25 21 17 24 8 11 84 60 104 179 70 186 47

36,966.82 73.62 0.68 681.66 440.62 1,066.81 6.22 5,113.95 1,938.74 156.91 592.80 334.71 1,232.21 9,250.12 10,334.97 15,064.43 14,524.73 18,651.99 40,305.21 34,126.86

1,035

151 156 158 180 186 195 199 224 245 262 286 294 305 389 449 553 732 802 988 1,035

14.59 14.59 0.48 15.07 0.19 15.27 2.13 17.39 0.58 17.97 0.87 18.84 0.39 19.23 2.42 21.64 2.03 23.67 1.64 25.31 2.32 27.63 0.77 28.41 1.06 29.47 8.12 37.58 5.80 43.38 10.05 53.43 17.29 70.72 6.76 77.49 17.97 95.46 4.54 100.00

190,864.06

36,966.82 37,040.44 37,041.12 37,722.78 38,163.40 39,230.21 39,236.42 44,350.38 46,289.12 46,446.02 47,038.83 47,373.54 48,605.75 57,855.87 68,190.85 83,255.27 97,780.00 116,431.99 156,737.20 190,864.06

19.37 19.37 0.04 19.41 0.00 19.41 0.36 19.76 0.23 20.00 0.56 20.55 0.00 20.56 2.68 23.24 1.02 24.25 0.08 24.33 0.31 24.65 0.18 24.82 0.65 25.47 4.85 30.31 5.41 35.73 7.89 43.62 7.61 51.23 9.77 61.00 21.12 82.12 17.88 100.00

418.47 40.57 0.15 138.74 43.64 91.52 0.37 216.88 80.76 7.65 21.07 9.05 33.39 124.96 194.41 103.40 83.56 237.40 392.72 408.36

418.47 410.87 390.90 378.47 347.67 323.08 284.06 274.26 249.25 225.21 200.71 174.58 157.68 151.34 156.60 143.26 129.52 139.69 167.43 187.17

187.17

Page 9 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 24

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Textiles (Tekstil)

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

25 75 150 250 400 625 875 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. 1,936 818 1,644 1,261 1,810 1,216 993 1,016 728 490 411 498 347 628 414 853 884 531 928 250 17,656

1,936 2,754 4,398 5,659 7,469 8,685 9,678 10,694 11,422 11,912 12,323 12,821 13,168 13,796 14,210 15,063 15,947 16,478 17,406 17,656

10.97 10.97 4.63 15.60 9.31 24.91 7.14 32.05 10.25 42.30 6.89 49.19 5.62 54.81 5.75 60.57 4.12 64.69 2.78 67.47 2.33 69.79 2.82 72.62 1.97 74.58 3.56 78.14 2.34 80.48 4.83 85.31 5.01 90.32 3.01 93.33 5.26 98.58 1.42 100.00

6,200.45 331.77 962.86 1,177.71 2,557.08 2,186.39 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 9,931.85 12,042.67 7,057.55 11,821.68 4,468.28 83,952.52

6,200.45 6,532.22 7,495.08 8,672.78 11,229.86 13,416.25 15,819.47 18,985.33 21,693.68 23,742.08 25,694.70 28,570.06 30,676.87 34,921.64 38,630.49 48,562.34 60,605.02 67,662.57 79,484.24 83,952.52

7.39 7.39 0.40 7.78 1.15 8.93 1.40 10.33 3.05 13.38 2.60 15.98 2.86 18.84 3.77 22.61 3.23 25.84 2.44 28.28 2.33 30.61 3.42 34.03 2.51 36.54 5.06 41.60 4.42 46.01 11.83 57.85 14.34 72.19 8.41 80.60 14.08 94.68 5.32 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

242 5 11 10 22 17 10 19 6 19 2 26 18 38 48 107 147 129 314 81

20,025.44 27.31 441.82 158.70 1,857.32 1,170.21 844.32 510.11 552.55 868.92 3.41 2,231.39 236.43 3,197.75 310.54 13,739.35 11,378.25 56,257.49 178,749.00 8,208.45

322.97 8.23 45.89 13.48 72.63 53.52 35.13 16.11 20.40 42.42 0.17 77.60 11.22 75.33 8.37 138.34 94.48 797.13 1,512.04 183.70

1,271

242 247 258 268 290 307 317 336 342 361 363 389 407 445 493 600 747 876 1,190 1,271

19.04 19.04 0.39 19.43 0.87 20.30 0.79 21.09 1.73 22.82 1.34 24.15 0.79 24.94 1.49 26.44 0.47 26.91 1.49 28.40 0.16 28.56 2.05 30.61 1.42 32.02 2.99 35.01 3.78 38.79 8.42 47.21 11.57 58.77 10.15 68.92 24.70 93.63 6.37 100.00

300,768.77

20,025.44 20,052.75 20,494.57 20,653.27 22,510.59 23,680.80 24,525.12 25,035.23 25,587.78 26,456.70 26,460.11 28,691.51 28,927.93 32,125.69 32,436.22 46,175.57 57,553.82 113,811.32 292,560.32 300,768.77

6.66 6.66 0.01 6.67 0.15 6.81 0.05 6.87 0.62 7.48 0.39 7.87 0.28 8.15 0.17 8.32 0.18 8.51 0.29 8.80 0.00 8.80 0.74 9.54 0.08 9.62 1.06 10.68 0.10 10.78 4.57 15.35 3.78 19.14 18.70 37.84 59.43 97.27 2.73 100.00

322.97 306.98 273.44 238.14 200.45 176.51 155.03 131.87 117.95 111.43 102.98 100.43 94.30 91.99 83.97 95.09 94.97 168.20 368.07 358.26

358.26

Page 10 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 25

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Paper, Leather and Rubber (Kertas, Kulit dan Karet)

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

25 75 150 250 400 625 875 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. 1,209 501 915 760 1,068 802 675 757 615 405 387 395 334 565 398 724 738 456 458 179 12,341

1,209 1,710 2,625 3,385 4,453 5,255 5,930 6,687 7,302 7,707 8,094 8,489 8,823 9,388 9,786 10,510 11,248 11,704 12,162 12,341

9.80 9.80 4.06 13.86 7.41 21.27 6.16 27.43 8.65 36.08 6.50 42.58 5.47 48.05 6.13 54.19 4.98 59.17 3.28 62.45 3.14 65.59 3.20 68.79 2.71 71.49 4.58 76.07 3.23 79.30 5.87 85.16 5.98 91.14 3.70 94.84 3.71 98.55 1.45 100.00

6,406.02 359.52 664.19 737.65 1,582.50 1,589.94 1,694.96 2,652.19 2,671.52 2,449.31 2,439.96 2,839.36 2,522.42 4,879.24 4,843.69 10,239.35 12,818.48 5,955.58 7,313.21 4,989.83 79,648.94

6,406.02 6,765.54 7,429.73 8,167.39 9,749.89 11,339.83 13,034.80 15,686.99 18,358.51 20,807.82 23,247.78 26,087.14 28,609.56 33,488.80 38,332.49 48,571.84 61,390.31 67,345.90 74,659.11 79,648.94

8.04 8.04 0.45 8.49 0.83 9.33 0.93 10.25 1.99 12.24 2.00 14.24 2.13 16.37 3.33 19.70 3.35 23.05 3.08 26.12 3.06 29.19 3.56 32.75 3.17 35.92 6.13 42.05 6.08 48.13 12.86 60.98 16.09 77.08 7.48 84.55 9.18 93.74 6.26 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

169 8 11 10 9 5 6 13 28 20 13 17 19 16 13 26 99 70 94 66

20,021.05 102.25 165.83 172.51 642.39 57.49 935.05 65.50 2,937.45 1,171.79 218.09 273.67 5,080.08 3,644.65 279.21 1,754.59 25,772.76 24,487.43 103,060.28 34,948.14

712

169 177 188 198 207 212 218 231 259 279 292 309 328 344 357 383 482 552 646 712

23.74 23.74 1.12 24.86 1.54 26.40 1.40 27.81 1.26 29.07 0.70 29.78 0.84 30.62 1.83 32.44 3.93 36.38 2.81 39.19 1.83 41.01 2.39 43.40 2.67 46.07 2.25 48.31 1.83 50.14 3.65 53.79 13.90 67.70 9.83 77.53 13.20 90.73 9.27 100.00

225,790.22

20,021.05 20,123.30 20,289.13 20,461.64 21,104.03 21,161.52 22,096.57 22,162.07 25,099.52 26,271.31 26,489.40 26,763.07 31,843.15 35,487.80 35,767.01 37,521.60 63,294.36 87,781.79 190,842.07 225,790.22

8.87 8.87 0.05 8.91 0.07 8.99 0.08 9.06 0.28 9.35 0.03 9.37 0.41 9.79 0.03 9.82 1.30 11.12 0.52 11.64 0.10 11.73 0.12 11.85 2.25 14.10 1.61 15.72 0.12 15.84 0.78 16.62 11.41 28.03 10.85 38.88 45.64 84.52 15.48 100.00

312.53 28.44 24.97 23.39 40.59 3.62 55.17 2.47 109.95 47.84 8.94 9.64 201.40 74.70 5.76 17.14 201.06 411.17 1409.2 700.39

312.53 297.44 273.08 250.53 216.45 186.61 169.52 141.28 136.72 126.26 113.94 102.59 111.30 105.97 93.31 77.25 103.10 130.34 255.62 283.48

283.48

Page 11 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 26

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,061 605 746 523 639 505 440 556 396 271 198 341 201 372 319 570 692 299 368 24 9,126

1,061 1,666 2,412 2,935 3,574 4,079 4,519 5,075 5,471 5,742 5,940 6,281 6,482 6,854 7,173 7,743 8,435 8,734 9,102 9,126

11.63 11.63 6.63 18.26 8.17 26.43 5.73 32.16 7.00 39.16 5.53 44.70 4.82 49.52 6.09 55.61 4.34 59.95 2.97 62.92 2.17 65.09 3.74 68.83 2.20 71.03 4.08 75.10 3.50 78.60 6.25 84.85 7.58 92.43 3.28 95.70 4.03 99.74 0.26 100.00

6,926.87 470.63 1,378.77 1,530.18 1,978.18 1,642.51 2,014.28 2,987.41 2,583.08 2,005.77 2,700.69 3,283.02 2,681.67 5,693.01 5,405.52 11,929.75 14,121.94 5,291.13 6,148.27 357.29 81,129.94

6,926.87 7,397.49 8,776.27 10,306.45 12,284.62 13,927.13 15,941.41 18,928.82 21,511.90 23,517.67 26,218.36 29,501.38 32,183.05 37,876.05 43,281.57 55,211.32 69,333.26 74,624.39 80,772.66 81,129.94

8.54 8.54 0.58 9.12 1.70 10.82 1.89 12.70 2.44 15.14 2.02 17.17 2.48 19.65 3.68 23.33 3.18 26.52 2.47 28.99 3.33 32.32 4.05 36.36 3.31 39.67 7.02 46.69 6.66 53.35 14.70 68.05 17.41 85.46 6.52 91.98 7.58 99.56 0.44 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 62 8 8 7 12 8 12 8 4 3 2 14 10 19 12 57 45 49 99 3 442

62 70 78 85 97 105 117 125 129 132 134 148 158 177 189 246 291 340 439 442

14.03 14.03 1.81 15.84 1.81 17.65 1.58 19.23 2.71 21.95 1.81 23.76 2.71 26.47 1.81 28.28 0.90 29.19 0.68 29.86 0.45 30.32 3.17 33.48 2.26 35.75 4.30 40.05 2.71 42.76 12.90 55.66 10.18 65.84 11.09 76.92 22.40 99.32 0.68 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 17,120.44 88.94 84.08 515.72 706.02 345.40 807.71 4,159.25 601.08 265.86 9.00 1,105.55 382.53 508.06 947.41 104,563.03 36,592.84 7,662.16 75,092.90 67.74 251,625.74

17,120.44 17,209.38 17,293.46 17,809.18 18,515.21 18,860.61 19,668.32 23,827.57 24,428.65 24,694.51 24,703.51 25,809.07 26,191.60 26,699.66 27,647.07 132,210.10 168,802.93 176,465.10 251,558.00 251,625.74

6.80 6.80 0.04 6.84 0.03 6.87 0.20 7.08 0.28 7.36 0.14 7.50 0.32 7.82 1.65 9.47 0.24 9.71 0.11 9.81 0.00 9.82 0.44 10.26 0.15 10.41 0.20 10.61 0.38 10.99 41.55 52.54 14.54 67.08 3.05 70.13 29.84 99.97 0.03 100.00

LOSS RATIO PERCENTAGE BAND CUM. 247.16 18.90 6.10 33.70 35.69 21.03 40.10 139.23 23.27 13.25 0.33 33.67 14.26 8.92 17.53 876.49 259.12 144.81 1,221.37 18.96

247.16 232.64 197.05 172.80 150.72 135.42 123.38 125.88 113.56 105.00 94.22 87.48 81.38 70.49 63.88 239.46 243.47 236.47 311.44 310.15

310.15

Page 12 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 27

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Nutritional, Drinks and Tobacco (Makanan, Minuman dan Tembakau)

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

25 75 150 250 400 625 875 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. 8,887 3,035 3,001 1,971 2,331 1,613 1,190 1,445 983 723 647 1,045 689 1,299 793 1,985 2,326 1,323 1,436 518 37,240

8,887 11,922 14,923 16,894 19,225 20,838 22,028 23,473 24,456 25,179 25,826 26,871 27,560 28,859 29,652 31,637 33,963 35,286 36,722 37,240

23.86 23.86 8.15 32.01 8.06 40.07 5.29 45.37 6.26 51.62 4.33 55.96 3.20 59.15 3.88 63.03 2.64 65.67 1.94 67.61 1.74 69.35 2.81 72.16 1.85 74.01 3.49 77.49 2.13 79.62 5.33 84.95 6.25 91.20 3.55 94.75 3.86 98.61 1.39 100.00

13,391.52 884.97 1,720.01 1,199.67 2,164.14 2,296.49 1,964.67 3,124.25 2,626.61 2,013.93 2,199.95 4,381.79 3,345.62 6,224.85 5,518.99 22,371.95 18,766.83 9,353.52 9,310.16 2,730.34 115,590.26

13,391.52 14,276.49 15,996.50 17,196.17 19,360.31 21,656.80 23,621.47 26,745.73 29,372.34 31,386.27 33,586.22 37,968.01 41,313.63 47,538.49 53,057.47 75,429.42 94,196.25 103,549.76 112,859.92 115,590.26

11.59 11.59 0.77 12.35 1.49 13.84 1.04 14.88 1.87 16.75 1.99 18.74 1.70 20.44 2.70 23.14 2.27 25.41 1.74 27.15 1.90 29.06 3.79 32.85 2.89 35.74 5.39 41.13 4.77 45.90 19.35 65.26 16.24 81.49 8.09 89.58 8.05 97.64 2.36 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

243 64 39 26 51 83 23 96 35 8 19 55 45 123 63 356 233 190 272 104

10,880.10 888.63 584.61 620.03 1,309.10 278.23 1,618.14 4,114.77 684.94 88.63 543.36 1,333.15 508.77 11,906.27 2,011.13 54,028.56 65,619.45 10,101.31 32,265.73 4,112.89

2,128

243 307 346 372 423 506 529 625 660 668 687 742 787 910 973 1,329 1,562 1,752 2,024 2,128

11.42 11.42 3.01 14.43 1.83 16.26 1.22 17.48 2.40 19.88 3.90 23.78 1.08 24.86 4.51 29.37 1.64 31.02 0.38 31.39 0.89 32.28 2.58 34.87 2.11 36.98 5.78 42.76 2.96 45.72 16.73 62.45 10.95 73.40 8.93 82.33 12.78 95.11 4.89 100.00

203,497.77

10,880.10 11,768.72 12,353.33 12,973.36 14,282.46 14,560.68 16,178.82 20,293.59 20,978.53 21,067.16 21,610.51 22,943.67 23,452.44 35,358.71 37,369.84 91,398.40 157,017.85 167,119.16 199,384.89 203,497.77

5.35 5.35 0.44 5.78 0.29 6.07 0.30 6.38 0.64 7.02 0.14 7.16 0.80 7.95 2.02 9.97 0.34 10.31 0.04 10.35 0.27 10.62 0.66 11.27 0.25 11.52 5.85 17.38 0.99 18.36 26.55 44.91 32.25 77.16 4.96 82.12 15.86 97.98 2.02 100.00

81.25 100.41 33.99 51.68 60.49 12.12 82.36 131.70 26.08 4.40 24.70 30.42 15.21 191.27 36.44 241.50 349.66 107.99 346.56 150.64

81.25 82.43 77.23 75.44 73.77 67.23 68.49 75.88 71.42 67.12 64.34 60.43 56.77 74.38 70.43 121.17 166.69 161.39 176.67 176.05

176.05

Page 13 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 28

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Power and Heating (Pembangkit Tenaga dan Pemanas)

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

25 75 150 250 400 625 875 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. 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 F BAND CUM. 9 0 0 0 0 0 0 0 4 0 0 4 0 6 10 0 3 5 34 29 104

9 9 9 9 9 9 9 9 13 13 13 17 17 23 33 33 36 41 75 104

8.65 8.65 0.00 8.65 0.00 8.65 0.00 8.65 0.00 8.65 0.00 8.65 0.00 8.65 0.00 8.65 3.85 12.50 0.00 12.50 0.00 12.50 3.85 16.35 0.00 16.35 5.77 22.12 9.62 31.73 0.00 31.73 2.88 34.62 4.81 39.42 32.69 72.12 27.88 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

41,339.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 39,703.50 0.00 0.00 82.44 0.00 369.04 591.87 0.00 856.52 4,101.32 92,751.37 209,388.49

4,101.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 141,950.30 0.00 0.00 110.47 0.00 250.10 159.08 0.00 56.11 951.00 4,240.63 8,375.41

389,184.45

41,339.91 41,339.91 41,339.91 41,339.91 41,339.91 41,339.91 41,339.91 41,339.91 81,043.41 81,043.41 81,043.41 81,125.84 81,125.84 81,494.88 82,086.75 82,086.75 82,943.27 87,044.60 179,795.96 389,184.45

10.62 10.62 0.00 10.62 0.00 10.62 0.00 10.62 0.00 10.62 0.00 10.62 0.00 10.62 0.00 10.62 10.20 20.82 0.00 20.82 0.00 20.82 0.02 20.85 0.00 20.85 0.09 20.94 0.15 21.09 0.00 21.09 0.22 21.31 1.05 22.37 23.83 46.20 53.80 100.00

4,101.99 3,954.20 3,942.42 3,929.89 3,889.58 3,803.40 3,518.93 3,317.10 6,360.14 6,261.83 6,141.81 5,819.00 5,739.85 5,220.89 4,246.63 3,225.50 2,037.18 1,933.14 2,687.55 4,234.87

4,234.87

Page 14 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 29

DATA POSITION FROM DATA POSITION TO PROCESSING DATE

: 01/01/2009 : 15/12/2012 : 15/03/2013

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)

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

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 179,731 155,851 205,807 130,303 147,376 77,141 55,971 43,777 24,007 12,928 9,976 11,631 7,531 9,106 5,459 7,968 6,091 2,603 2,834 800 1,096,891

179,731 335,582 541,389 671,692 819,068 896,209 952,180 995,957 1,019,964 1,032,892 1,042,868 1,054,499 1,062,030 1,071,136 1,076,595 1,084,563 1,090,654 1,093,257 1,096,091 1,096,891

16.39 16.39 14.21 30.59 18.76 49.36 11.88 61.24 13.44 74.67 7.03 81.70 5.10 86.81 3.99 90.80 2.19 92.99 1.18 94.17 0.91 95.07 1.06 96.14 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. 78,337.90 32,580.51 74,202.77 72,810.87 126,277.56 95,608.03 97,319.57 95,561.56 68,794.49 45,830.16 43,423.94 51,985.33 40,922.18 57,184.20 40,988.85 78,784.72 66,201.64 34,616.53 49,693.35 33,685.24 1,284,809.40

78,337.90 110,918.41 185,121.17 257,932.05 384,209.61 479,817.64 577,137.20 672,698.76 741,493.26 787,323.42 830,747.36 882,732.69 923,654.87 980,839.06 1,021,827.92 1,100,612.64 1,166,814.28 1,201,430.81 1,251,124.16 1,284,809.40

6.10 6.10 2.54 8.63 5.78 14.41 5.67 20.08 9.83 29.90 7.44 37.35 7.57 44.92 7.44 52.36 5.35 57.71 3.57 61.28 3.38 64.66 4.05 68.71 3.19 71.89 4.45 76.34 3.19 79.53 6.13 85.66 5.15 90.82 2.69 93.51 3.87 97.38 2.62 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,433 1,433 438 1,871 983 2,854 680 3,534 948 4,482 555 5,037 570 5,607 575 6,182 375 6,557 273 6,830 282 7,112 335 7,447 262 7,709 369 8,078 432 8,510 447 8,957 789 9,746 420 10,166 1,013 11,179 1,218 12,397 12,397

11.56 11.56 3.53 15.09 7.93 23.02 5.49 28.51 7.65 36.15 4.48 40.63 4.60 45.23 4.64 49.87 3.02 52.89 2.20 55.09 2.27 57.37 2.70 60.07 2.11 62.18 2.98 65.16 3.48 68.65 3.61 72.25 6.36 78.62 3.39 82.00 8.17 90.18 9.82 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 78,553.24 78,553.24 8,461.06 87,014.30 26,179.69 113,193.99 24,516.84 137,710.82 51,767.43 189,478.25 37,665.98 227,144.23 40,730.83 267,875.06 18,990.07 286,865.13 32,956.82 319,821.96 23,251.57 343,073.52 22,058.72 365,132.24 30,957.45 396,089.69 70,875.65 466,965.35 40,971.89 507,937.23 30,315.49 538,252.72 43,618.58 581,871.30 144,764.46 726,635.77 40,883.98 767,519.75 577,804.95 1,345,324.69 251,922.09 1,597,246.78 1,597,246.78

4.92 4.92 0.53 5.45 1.64 7.09 1.53 8.62 3.24 11.86 2.36 14.22 2.55 16.77 1.19 17.96 2.06 20.02 1.46 21.48 1.38 22.86 1.94 24.80 4.44 29.24 2.57 31.80 1.90 33.70 2.73 36.43 9.06 45.49 2.56 48.05 36.18 84.23 15.77 100.00

100.27 100.27 25.97 78.45 35.28 61.15 33.67 53.39 40.99 49.32 39.40 47.34 41.85 46.41 19.87 42.64 47.91 43.13 50.73 43.57 50.80 43.95 59.55 44.87 173.20 50.56 71.65 51.79 73.96 52.68 55.36 52.87 218.67 62.28 118.11 63.88 1162.7 107.53 747.87 124.32 124.32

Page 15 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 30

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Estate Plantation Risk

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

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

NUMBER OF POLICIES 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 5 0 2 6 2 10 2 2 6 6 2 0 0 0 43

0 0 0 0 0 0 5 5 7 13 15 25 27 29 35 41 43 43 43 43

0.00 0.00 0.00 0.00 0.00 0.00 11.63 0.00 4.65 13.95 4.65 23.26 4.65 4.65 13.95 13.95 4.65 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 11.63 11.63 16.28 30.23 34.88 58.14 62.79 67.44 81.40 95.35 100.00 100.00 100.00 100.00

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 32.88 0.00 3.42 96.04 2.47 1,799.79 5.39 6.47 64.69 73.41 1.78 0.00 0.00 0.00 2,086.34

0.00 0.00 0.00 0.00 0.00 0.00 32.88 32.88 36.31 132.35 134.82 1,934.61 1,940.00 1,946.47 2,011.15 2,084.56 2,086.34 2,086.34 2,086.34 2,086.34

0.00 0.00 0.00 0.00 0.00 0.00 1.58 0.00 0.16 4.60 0.12 86.27 0.26 0.31 3.10 3.52 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 1.58 53.02 6.87 1.58 0.00 5.74 1.74 2.81 5.22 6.34 67.47 15.81 6.46 3.71 14.92 92.73 739.63 168.65 92.99 4.49 153.11 93.30 2.76 129.61 96.40 101.31 128.46 99.91 16.56 103.76 100.00 0.31 80.81 100.00 0.00 80.81 100.00 0.00 68.50 100.00 0.00 68.50 68.50

Page 16 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 31

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Estate Plantation Risk

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 66 41 54 54 90 54 44 45 40 24 24 80 46 76 53 101 153 139 93 26 1,303

66 107 161 215 305 359 403 448 488 512 536 616 662 738 791 892 1,045 1,184 1,277 1,303

5.07 5.07 3.15 8.21 4.14 12.36 4.14 16.50 6.91 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

203.34 38.31 38.03 111.10 51.57 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

203.34 241.65 279.68 390.78 442.34 496.84 541.97 678.03 805.11 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 1.74 0.69 2.43 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 20 0 0 0 0 0 0 0 12 0 4 8 8 19 4 21 9 8 0 113

0 20 20 20 20 20 20 20 20 32 32 36 44 52 71 75 96 105 113 113

0.00 0.00 17.70 17.70 0.00 17.70 0.00 17.70 0.00 17.70 0.00 17.70 0.00 17.70 0.00 17.70 0.00 17.70 10.62 28.32 0.00 28.32 3.54 31.86 7.08 38.94 7.08 46.02 16.81 62.83 3.54 66.37 18.58 84.96 7.96 92.92 7.08 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 163.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 281.09 0.00 62.49 68.25 564.61 827.60 40.02 1,099.18 3,571.34 202.67 0.00 6,881.17

0.00 163.93 163.93 163.93 163.93 163.93 163.93 163.93 163.93 445.01 445.01 507.50 575.75 1,140.36 1,967.95 2,007.97 3,107.16 6,678.49 6,881.17 6,881.17

0.00 0.00 2.38 2.38 0.00 2.38 0.00 2.38 0.00 2.38 0.00 2.38 0.00 2.38 0.00 2.38 0.00 2.38 4.08 6.47 0.00 6.47 0.91 7.38 0.99 8.37 8.21 16.57 12.03 28.60 0.58 29.18 15.97 45.15 51.90 97.05 2.95 100.00 0.00 100.00

0.00 427.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 55.83 0.00 16.74 23.62 162.04 161.61 4.29 38.40 195.58 25.23 0.00

0.00 67.84 58.61 41.95 37.06 32.99 30.25 24.18 20.36 34.01 30.64 27.80 27.23 46.30 66.15 51.38 45.89 77.69 73.21 42.75

42.75

Page 17 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 32

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Recreation Place (Tempat rekreasi/liburan)

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

25 75 150 250 400 625 875 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. 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. 3 2 10 2 0 0 0 0 0 0 0 0 0 10 0 2 14 4 0 0 47

3 5 15 17 17 17 17 17 17 17 17 17 17 27 27 29 43 47 47 47

6.38 6.38 4.26 10.64 21.28 31.91 4.26 36.17 0.00 36.17 0.00 36.17 0.00 36.17 0.00 36.17 0.00 36.17 0.00 36.17 0.00 36.17 0.00 36.17 0.00 36.17 21.28 57.45 0.00 57.45 4.26 61.70 29.79 91.49 8.51 100.00 0.00 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 176.46 2,010.43 119.93 9.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,968.10 0.00 959.24 197.49 65.73 0.00 0.00 6,507.34

176.46 2,186.88 2,306.81 2,316.78 2,316.78 2,316.78 2,316.78 2,316.78 2,316.78 2,316.78 2,316.78 2,316.78 2,316.78 5,284.88 5,284.88 6,244.12 6,441.61 6,507.34 6,507.34 6,507.34

2.71 2.71 30.89 33.61 1.84 35.45 0.15 35.60 0.00 35.60 0.00 35.60 0.00 35.60 0.00 35.60 0.00 35.60 0.00 35.60 0.00 35.60 0.00 35.60 0.00 35.60 45.61 81.21 0.00 81.21 14.74 95.96 3.03 98.99 1.01 100.00 0.00 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. (3,293.44) 3477.02 631.00 572.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 617.39 0.00 144.35 37.28 12.86 0.00 0.00

(3,293.44) 4,168.47 3,227.72 3,164.54 2,742.60 2,581.44 2,472.11 1,501.00 1,432.90 1,028.69 963.37 880.68 874.43 708.72 655.68 424.62 322.04 259.12 133.62 133.59

133.59

Page 18 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 40

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Non Estate Plantation Risk

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

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

NUMBER OF POLICIES 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 17 14 0 0 35

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 21 35 35 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11.43 11.43 48.57 60.00 40.00 100.00 0.00 100.00 0.00 100.00

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 4,766.91 1,784.56 393.54 0.00 0.00 6,945.01

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 4,766.91 6,551.47 6,945.01 6,945.01 6,945.01

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 68.64 68.64 300.24 100.68 25.70 94.33 66.34 88.24 5.67 100.00 114.92 89.42 0.00 100.00 0.00 83.87 0.00 100.00 0.00 83.87 83.87

Page 19 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,101 1,989 2,576 1,581 1,452 503 419 274 155 52 40 65 29 46 20 43 48 34 20 35 11,482

2,101 4,090 6,666 8,247 9,699 10,202 10,621 10,895 11,050 11,102 11,142 11,207 11,236 11,282 11,302 11,345 11,393 11,427 11,447 11,482

18.30 18.30 17.32 35.62 22.44 58.06 13.77 71.83 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

521.28 663.23 1,591.20 1,527.04 1,980.49 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 16,422.71

521.28 1,184.52 2,775.72 4,302.76 6,283.24 7,407.16 8,549.91 9,546.63 10,151.72 10,402.51 10,675.14 11,031.07 11,212.93 11,606.19 11,845.27 12,567.02 13,525.32 14,307.88 14,542.50 16,422.71

3.17 3.17 4.04 7.21 9.69 16.90 9.30 26.20 12.06 38.26 6.84 45.10 6.96 52.06 6.07 58.13 3.68 61.82 1.53 63.34 1.66 65.00 2.17 67.17 1.11 68.28 2.39 70.67 1.46 72.13 4.39 76.52 5.84 82.36 4.77 87.12 1.43 88.55 11.45 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 8 15 6 5 2 9 3 0 0 0 0 0 0 0 0 2 0 0 3 57

4 12 27 33 38 40 49 52 52 52 52 52 52 52 52 52 54 54 54 57

7.02 7.02 14.04 21.05 26.32 47.37 10.53 57.89 8.77 66.67 3.51 70.18 15.79 85.96 5.26 91.23 0.00 91.23 0.00 91.23 0.00 91.23 0.00 91.23 0.00 91.23 0.00 91.23 0.00 91.23 0.00 91.23 3.51 94.74 0.00 94.74 0.00 94.74 5.26 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 15.08 271.98 368.51 194.67 305.21 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 2,204.67

15.08 287.05 655.56 850.23 1,155.44 1,249.45 1,343.71 2,055.95 2,055.95 2,055.95 2,055.95 2,055.95 2,055.95 2,055.95 2,055.95 2,055.95 2,133.59 2,133.59 2,133.59 2,204.67

0.68 0.68 12.34 13.02 16.71 29.74 8.83 38.57 13.84 52.41 4.26 56.67 4.28 60.95 32.31 93.25 0.00 93.25 0.00 93.25 0.00 93.25 0.00 93.25 0.00 93.25 0.00 93.25 0.00 93.25 0.00 93.25 3.52 96.78 0.00 96.78 0.00 96.78 3.22 100.00

2.89 41.01 23.16 12.75 15.41 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

2.89 24.23 23.62 19.76 18.39 16.87 15.72 21.54 20.25 19.76 19.26 18.64 18.34 17.71 17.36 16.36 15.77 14.91 14.67 13.42

13.42

Page 20 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 19,603 13,729 17,828 11,821 11,866 5,417 3,939 2,797 1,575 853 732 939 618 766 460 810 927 412 384 83 95,559

19,603 33,332 51,160 62,981 74,847 80,264 84,203 87,000 88,575 89,428 90,160 91,099 91,717 92,483 92,943 93,753 94,680 95,092 95,476 95,559

20.51 20.51 14.37 34.88 18.66 53.54 12.37 65.91 12.42 78.33 5.67 83.99 4.12 88.12 2.93 91.04 1.65 92.69 0.89 93.58 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

6,969.92 2,496.21 5,676.21 6,394.42 10,340.36 6,929.08 7,467.06 6,796.91 5,158.46 3,349.23 3,501.89 4,726.42 3,976.42 6,123.55 4,475.50 10,276.51 12,833.76 4,519.66 5,158.15 858.78 118,028.50

6,969.92 9,466.13 15,142.34 21,536.76 31,877.12 38,806.19 46,273.25 53,070.16 58,228.61 61,577.85 65,079.74 69,806.16 73,782.58 79,906.13 84,381.63 94,658.14 107,491.90 112,011.57 117,169.71 118,028.50

5.91 5.91 2.11 8.02 4.81 12.83 5.42 18.25 8.76 27.01 5.87 32.88 6.33 39.21 5.76 44.96 4.37 49.33 2.84 52.17 2.97 55.14 4.00 59.14 3.37 62.51 5.19 67.70 3.79 71.49 8.71 80.20 10.87 91.07 3.83 94.90 4.37 99.27 0.73 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

87 43 44 35 51 32 53 34 39 32 17 23 26 27 18 59 64 57 119 4

25,430.05 697.50 1,222.62 1,103.82 2,607.81 566.96 2,868.75 2,795.69 1,500.88 2,273.86 845.36 487.35 261.51 1,736.64 394.02 1,748.54 12,692.56 3,394.42 14,771.67 168.50

864

87 130 174 209 260 292 345 379 418 450 467 490 516 543 561 620 684 741 860 864

10.07 10.07 4.98 15.05 5.09 20.14 4.05 24.19 5.90 30.09 3.70 33.80 6.13 39.93 3.94 43.87 4.51 48.38 3.70 52.08 1.97 54.05 2.66 56.71 3.01 59.72 3.13 62.85 2.08 64.93 6.83 71.76 7.41 79.17 6.60 85.76 13.77 99.54 0.46 100.00

77,568.51

25,430.05 26,127.55 27,350.17 28,453.99 31,061.80 31,628.76 34,497.51 37,293.20 38,794.08 41,067.94 41,913.30 42,400.65 42,662.16 44,398.79 44,792.82 46,541.36 59,233.92 62,628.34 77,400.01 77,568.51

32.78 32.78 364.85 364.85 0.90 33.68 27.94 276.01 1.58 35.26 21.54 180.62 1.42 36.68 17.26 132.12 3.36 40.04 25.22 97.44 0.73 40.78 8.18 81.50 3.70 44.47 38.42 74.55 3.60 48.08 41.13 70.27 1.93 50.01 29.10 66.62 2.93 52.94 67.89 66.69 1.09 54.03 24.14 64.40 0.63 54.66 10.31 60.74 0.34 55.00 6.58 57.82 2.24 57.24 28.36 55.56 0.51 57.75 8.80 53.08 2.25 60.00 17.01 49.17 16.36 76.36 98.90 55.11 4.38 80.74 75.10 55.91 19.04 99.78 286.38 66.06 0.22 100.00 19.62 65.72 65.72

Page 21 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,910 5,864 8,803 5,449 4,665 1,723 1,284 775 514 247 225 283 206 218 156 189 156 128 79 9 35,883

4,910 10,774 19,577 25,026 29,691 31,414 32,698 33,473 33,987 34,234 34,459 34,742 34,948 35,166 35,322 35,511 35,667 35,795 35,874 35,883

13.68 13.68 16.34 30.03 24.53 54.56 15.19 69.74 13.00 82.74 4.80 87.55 3.58 91.12 2.16 93.28 1.43 94.72 0.69 95.40 0.63 96.03 0.79 96.82 0.57 97.39 0.61 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

2,161.44 1,070.36 2,516.73 2,332.04 3,919.80 2,449.30 2,617.64 2,044.17 1,635.28 789.46 795.65 968.96 581.82 805.84 637.37 2,542.66 2,225.17 1,450.83 492.03 2,446.46 34,483.02

2,161.44 3,231.80 5,748.53 8,080.57 12,000.37 14,449.67 17,067.31 19,111.48 20,746.76 21,536.22 22,331.87 23,300.83 23,882.65 24,688.50 25,325.87 27,868.53 30,093.70 31,544.53 32,036.56 34,483.02

6.27 6.27 3.10 9.37 7.30 16.67 6.76 23.43 11.37 34.80 7.10 41.90 7.59 49.49 5.93 55.42 4.74 60.17 2.29 62.45 2.31 64.76 2.81 67.57 1.69 69.26 2.34 71.60 1.85 73.44 7.37 80.82 6.45 87.27 4.21 91.48 1.43 92.91 7.09 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 120 115 323 233 355 201 162 101 124 71 100 114 84 75 91 77 80 26 34 0 2,486

120 235 558 791 1,146 1,347 1,509 1,610 1,734 1,805 1,905 2,019 2,103 2,178 2,269 2,346 2,426 2,452 2,486 2,486

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

4.83 4.83 3,460.16 3,460.16 4.63 9.45 1,575.38 5,035.54 12.99 22.45 7,527.94 12,563.48 9.37 31.82 6,505.58 19,069.06 14.28 46.10 25,424.99 44,494.04 8.09 54.18 23,078.99 67,573.03 6.52 60.70 10,509.58 78,082.61 4.06 64.76 5,002.44 83,085.06 4.99 69.75 15,058.88 98,143.94 2.86 72.61 9,722.83 107,866.77 4.02 76.63 5,499.72 113,366.49 4.59 81.21 13,229.47 126,595.96 3.38 84.59 38,327.09 164,923.05 3.02 87.61 9,552.70 174,475.75 3.66 91.27 20,710.65 195,186.40 3.10 94.37 13,064.08 208,250.48 3.22 97.59 93,866.70 302,117.19 1.05 98.63 13,024.11 315,141.30 1.37 100.00 336,665.39 651,806.69 0.00 100.00 0.00 651,806.69 651,806.69

0.53 0.53 0.24 0.77 1.15 1.93 1.00 2.93 3.90 6.83 3.54 10.37 1.61 11.98 0.77 12.75 2.31 15.06 1.49 16.55 0.84 17.39 2.03 19.42 5.88 25.30 1.47 26.77 3.18 29.95 2.00 31.95 14.40 46.35 2.00 48.35 51.65 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 160.09 147.18 299.12 278.97 648.63 942.27 401.49 244.72 920.88 1,231.57 691.22 1,365.33 6,587.41 1,185.43 3,249.40 513.80 4,218.41 897.70 68,423.65 0.00

160.09 155.81 218.55 235.99 370.77 467.64 457.50 434.74 473.06 500.86 507.64 543.31 690.56 706.71 770.70 747.26 1,003.92 999.04 2,034.57 1,890.23

1,890.23

Page 22 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 9,054 7,251 9,694 6,015 6,064 2,387 1,547 1,203 658 351 223 302 212 338 142 322 384 329 250 83 46,809

9,054 16,305 25,999 32,014 38,078 40,465 42,012 43,215 43,873 44,224 44,447 44,749 44,961 45,299 45,441 45,763 46,147 46,476 46,726 46,809

19.34 19.34 15.49 34.83 20.71 55.54 12.85 68.39 12.95 81.35 5.10 86.45 3.30 89.75 2.57 92.32 1.41 93.73 0.75 94.48 0.48 94.95 0.65 95.60 0.45 96.05 0.72 96.77 0.30 97.08 0.69 97.77 0.82 98.59 0.70 99.29 0.53 99.82 0.18 100.00

9,781.12 1,821.38 4,310.75 4,696.87 7,459.85 4,462.26 4,159.85 3,821.30 2,667.28 1,693.28 1,292.44 1,748.53 1,694.20 2,178.25 1,211.73 4,015.03 4,766.71 2,432.27 3,040.33 7,210.96 74,464.39

9,781.12 11,602.50 15,913.25 20,610.12 28,069.97 32,532.23 36,692.09 40,513.39 43,180.67 44,873.94 46,166.38 47,914.91 49,609.11 51,787.36 52,999.09 57,014.12 61,780.83 64,213.10 67,253.43 74,464.39

13.14 13.14 2.45 15.58 5.79 21.37 6.31 27.68 10.02 37.70 5.99 43.69 5.59 49.27 5.13 54.41 3.58 57.99 2.27 60.26 1.74 62.00 2.35 64.35 2.28 66.62 2.93 69.55 1.63 71.17 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. 28 9 32 15 24 9 11 18 7 4 2 3 2 31 0 12 10 26 68 13 324

28 37 69 84 108 117 128 146 153 157 159 162 164 195 195 207 217 243 311 324

8.64 8.64 2.78 11.42 9.88 21.30 4.63 25.93 7.41 33.33 2.78 36.11 3.40 39.51 5.56 45.06 2.16 47.22 1.23 48.46 0.62 49.07 0.93 50.00 0.62 50.62 9.57 60.19 0.00 60.19 3.70 63.89 3.09 66.98 8.02 75.00 20.99 95.99 4.01 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,797.81 330.17 1,194.96 805.45 2,637.92 1,596.82 704.77 1,553.23 907.97 75.81 3.11 97.24 0.00 5,896.97 0.00 435.69 138.77 1,462.31 18,054.78 6,429.78 44,123.54

1,797.81 2,127.98 3,322.94 4,128.39 6,766.31 8,363.13 9,067.90 10,621.13 11,529.09 11,604.90 11,608.01 11,705.25 11,705.25 17,602.21 17,602.21 18,037.91 18,176.68 19,638.99 37,693.76 44,123.54

4.07 4.07 18.38 0.75 4.82 18.13 2.71 7.53 27.72 1.83 9.36 17.15 5.98 15.33 35.36 3.62 18.95 35.78 1.60 20.55 16.94 3.52 24.07 40.65 2.06 26.13 34.04 0.17 26.30 4.48 0.01 26.31 0.24 0.22 26.53 5.56 0.00 26.53 0.00 13.36 39.89 270.72 0.00 39.89 0.00 0.99 40.88 10.85 0.31 41.19 2.91 3.31 44.51 60.12 40.92 85.43 593.84 14.57 100.00 89.17

18.38 18.34 20.88 20.03 24.11 25.71 24.71 26.22 26.70 25.86 25.14 24.43 23.59 33.99 33.21 31.64 29.42 30.58 56.05 59.25

59.25

Page 23 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. 2,473 2,357 3,082 1,836 1,716 701 421 325 183 102 52 98 53 86 51 73 96 89 59 9 13,862

2,473 4,830 7,912 9,748 11,464 12,165 12,586 12,911 13,094 13,196 13,248 13,346 13,399 13,485 13,536 13,609 13,705 13,794 13,853 13,862

17.84 17.84 17.00 34.84 22.23 57.08 13.24 70.32 12.38 82.70 5.06 87.76 3.04 90.79 2.34 93.14 1.32 94.46 0.74 95.20 0.38 95.57 0.71 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

1,099.99 668.14 1,530.11 1,439.45 2,018.39 1,325.10 1,051.92 875.75 705.22 412.08 266.42 478.76 365.52 632.09 399.27 1,338.31 1,449.07 890.07 565.11 514.69 18,025.47

1,099.99 1,768.13 3,298.24 4,737.69 6,756.07 8,081.17 9,133.09 10,008.85 10,714.07 11,126.15 11,392.58 11,871.34 12,236.86 12,868.95 13,268.22 14,606.54 16,055.61 16,945.67 17,510.78 18,025.47

6.10 6.10 3.71 9.81 8.49 18.30 7.99 26.28 11.20 37.48 7.35 44.83 5.84 50.67 4.86 55.53 3.91 59.44 2.29 61.72 1.48 63.20 2.66 65.86 2.03 67.89 3.51 71.39 2.22 73.61 7.42 81.03 8.04 89.07 4.94 94.01 3.14 97.14 2.86 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 10 5 2 0 6 3 0 15 2 0 0 2 12 0 0 0 0 13 11 0 81

10 15 17 17 23 26 26 41 43 43 43 45 57 57 57 57 57 70 81 81

12.35 12.35 6.17 18.52 2.47 20.99 0.00 20.99 7.41 28.40 3.70 32.10 0.00 32.10 18.52 50.62 2.47 53.09 0.00 53.09 0.00 53.09 2.47 55.56 14.81 70.37 0.00 70.37 0.00 70.37 0.00 70.37 0.00 70.37 16.05 86.42 13.58 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 133.58 95.70 115.00 0.00 210.34 19.01 0.00 58.88 1.96 0.00 0.00 35.53 40.20 0.00 0.00 0.00 0.00 2,879.20 27,422.05 0.00 31,011.45

133.58 229.28 344.28 344.28 554.62 573.63 573.63 632.51 634.46 634.46 634.46 670.00 710.19 710.19 710.19 710.19 710.19 3,589.39 31,011.45 31,011.45

0.43 0.31 0.37 0.00 0.68 0.06 0.00 0.19 0.01 0.00 0.00 0.11 0.13 0.00 0.00 0.00 0.00 9.28 88.43 0.00

0.43 0.74 1.11 1.11 1.79 1.85 1.85 2.04 2.05 2.05 2.05 2.16 2.29 2.29 2.29 2.29 2.29 11.57 100.00 100.00

: : :

01/01/2009 15/12/2012 15/03/2013 LOSS RATIO PERCENTAGE BAND CUM. 12.14 12.14 14.32 12.97 7.52 10.44 0.00 7.27 10.42 8.21 1.43 7.10 0.00 6.28 6.72 6.32 0.28 5.92 0.00 5.70 0.00 5.57 7.42 5.64 11.00 5.80 0.00 5.52 0.00 5.35 0.00 4.86 0.00 4.42 323.48 21.18 4,852.56 177.10 0.00 172.04 172.04

Page 24 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,706 3,512 5,737 3,837 3,934 1,888 1,494 1,072 577 271 252 255 146 234 151 280 244 162 165 96 28,013

3,706 7,218 12,955 16,792 20,726 22,614 24,108 25,180 25,757 26,028 26,280 26,535 26,681 26,915 27,066 27,346 27,590 27,752 27,917 28,013

13.23 13.23 12.54 25.77 20.48 46.25 13.70 59.94 14.04 73.99 6.74 80.73 5.33 86.06 3.83 89.89 2.06 91.95 0.97 92.91 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

6,861.52 653.04 2,124.87 2,432.90 4,122.93 2,953.68 3,162.46 2,686.96 2,032.90 1,045.95 1,241.64 1,386.81 919.42 1,349.14 1,364.73 2,924.00 4,461.88 1,715.96 4,699.90 11,095.03 59,235.69

6,861.52 7,514.55 9,639.42 12,072.32 16,195.25 19,148.93 22,311.39 24,998.35 27,031.25 28,077.20 29,318.84 30,705.66 31,625.07 32,974.21 34,338.94 37,262.93 41,724.81 43,440.77 48,140.66 59,235.69

11.58 11.58 1.10 12.69 3.59 16.27 4.11 20.38 6.96 27.34 4.99 32.33 5.34 37.67 4.54 42.20 3.43 45.63 1.77 47.40 2.10 49.50 2.34 51.84 1.55 53.39 2.28 55.67 2.30 57.97 4.94 62.91 7.53 70.44 2.90 73.34 7.93 81.27 18.73 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

31 13 20 8 21 10 11 18 0 4 5 4 0 5 12 21 113 16 67 39

1,812.67 233.52 578.99 183.74 1,281.09 336.32 1,368.94 383.07 0.00 452.09 39.82 65.34 0.00 43.99 752.15 319.09 8,576.86 3,695.37 778.53 24,857.61

418

31 44 64 72 93 103 114 132 132 136 141 145 145 150 162 183 296 312 379 418

7.42 7.42 3.11 10.53 4.78 15.31 1.91 17.22 5.02 22.25 2.39 24.64 2.63 27.27 4.31 31.58 0.00 31.58 0.96 32.54 1.20 33.73 0.96 34.69 0.00 34.69 1.20 35.89 2.87 38.76 5.02 43.78 27.03 70.81 3.83 74.64 16.03 90.67 9.33 100.00

45,759.20

1,812.67 2,046.18 2,625.17 2,808.91 4,090.01 4,426.33 5,795.27 6,178.34 6,178.34 6,630.43 6,670.25 6,735.59 6,735.59 6,779.58 7,531.73 7,850.82 16,427.68 20,123.06 20,901.59 45,759.20

3.96 3.96 26.42 0.51 4.47 35.76 1.27 5.74 27.25 0.40 6.14 7.55 2.80 8.94 31.07 0.73 9.67 11.39 2.99 12.66 43.29 0.84 13.50 14.26 0.00 13.50 0.00 0.99 14.49 43.22 0.09 14.58 3.21 0.14 14.72 4.71 0.00 14.72 0.00 0.10 14.82 3.26 1.64 16.46 55.11 0.70 17.16 10.91 18.74 35.90 192.23 8.08 43.98 215.35 1.70 45.68 16.56 54.32 100.00 224.04

26.42 27.23 27.23 23.27 25.25 23.12 25.97 24.72 22.86 23.61 22.75 21.94 21.30 20.56 21.93 21.07 39.37 46.32 43.42 77.25

77.25

Page 25 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,879 1,610 2,007 1,273 1,141 439 300 147 104 60 42 40 33 36 21 54 58 21 7 2 9,274

1,879 3,489 5,496 6,769 7,910 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

20.26 20.26 17.36 37.62 21.64 59.26 13.73 72.99 12.30 85.29 4.73 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

472.74 401.52 1,337.19 804.41 1,295.74 811.31 724.21 415.62 378.79 235.22 174.50 137.80 79.95 122.19 209.67 586.23 732.85 325.86 208.84 60.13 9,514.77

472.74 874.26 2,211.45 3,015.86 4,311.60 5,122.91 5,847.12 6,262.74 6,641.53 6,876.75 7,051.26 7,189.06 7,269.02 7,391.20 7,600.87 8,187.10 8,919.95 9,245.81 9,454.65 9,514.77

4.97 4.97 4.22 9.19 14.05 23.24 8.45 31.70 13.62 45.31 8.53 53.84 7.61 61.45 4.37 65.82 3.98 69.80 2.47 72.27 1.83 74.11 1.45 75.56 0.84 76.40 1.28 77.68 2.20 79.88 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. 10 2 12 9 24 28 0 2 0 3 2 2 0 5 0 7 11 11 0 0 128

10 12 24 33 57 85 85 87 87 90 92 94 94 99 99 106 117 128 128 128

7.81 7.81 1.56 9.38 9.38 18.75 7.03 25.78 18.75 44.53 21.88 66.41 0.00 66.41 1.56 67.97 0.00 67.97 2.34 70.31 1.56 71.88 1.56 73.44 0.00 73.44 3.91 77.34 0.00 77.34 5.47 82.81 8.59 91.41 8.59 100.00 0.00 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 420.45 130.42 314.89 599.27 2,106.73 707.85 0.00 8.00 0.00 4.71 4,187.11 30.59 0.00 17.34 0.00 118.79 354.97 59.76 0.00 0.00 9,060.89

420.45 550.86 865.75 1,465.02 3,571.76 4,279.61 4,279.61 4,287.61 4,287.61 4,292.32 8,479.43 8,510.02 8,510.02 8,527.37 8,527.37 8,646.16 9,001.13 9,060.89 9,060.89 9,060.89

4.64 4.64 1.44 6.08 3.48 9.55 6.61 16.17 23.25 39.42 7.81 47.23 0.00 47.23 0.09 47.32 0.00 47.32 0.05 47.37 46.21 93.58 0.34 93.92 0.00 93.92 0.19 94.11 0.00 94.11 1.31 95.42 3.92 99.34 0.66 100.00 0.00 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 88.94 32.48 23.55 74.50 162.59 87.25 0.00 1.93 0.00 2.00 2,399.43 22.20 0.00 14.19 0.00 20.26 48.44 18.34 0.00 0.00

88.94 63.01 39.15 48.58 82.84 83.54 73.19 68.46 64.56 62.42 120.25 118.37 117.07 115.37 112.19 105.61 100.91 98.00 95.84 95.23

95.23

Page 26 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,233 3,125 4,232 2,508 2,685 1,249 882 685 402 229 248 260 147 254 148 321 350 201 204 77 21,440

3,233 6,358 10,590 13,098 15,783 17,032 17,914 18,599 19,001 19,230 19,478 19,738 19,885 20,139 20,287 20,608 20,958 21,159 21,363 21,440

15.08 15.08 14.58 29.65 19.74 49.39 11.70 61.09 12.52 73.61 5.83 79.44 4.11 83.55 3.19 86.75 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 94.62 1.50 96.12 1.63 97.75 0.94 98.69 0.95 99.64 0.36 100.00

2,865.04 559.29 1,362.27 1,422.23 2,688.24 2,141.29 1,686.03 1,785.92 1,508.41 845.38 998.69 1,187.76 871.84 2,038.11 1,230.88 4,061.12 4,325.87 2,347.13 4,131.88 566.61 38,623.98

2,865.04 3,424.33 4,786.60 6,208.84 8,897.07 11,038.36 12,724.39 14,510.31 16,018.72 16,864.09 17,862.78 19,050.55 19,922.38 21,960.49 23,191.37 27,252.49 31,578.36 33,925.49 38,057.37 38,623.98

7.42 7.42 1.45 8.87 3.53 12.39 3.68 16.08 6.96 23.04 5.54 28.58 4.37 32.94 4.62 37.57 3.91 41.47 2.19 43.66 2.59 46.25 3.08 49.32 2.26 51.58 5.28 56.86 3.19 60.04 10.51 70.56 11.20 81.76 6.08 87.84 10.70 98.53 1.47 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 56 5 29 5 9 36 12 25 5 0 4 11 8 38 13 43 36 38 41 11 425

56 61 90 95 104 140 152 177 182 182 186 197 205 243 256 299 335 373 414 425

13.18 13.18 1.18 14.35 6.82 21.18 1.18 22.35 2.12 24.47 8.47 32.94 2.82 35.76 5.88 41.65 1.18 42.82 0.00 42.82 0.94 43.76 2.59 46.35 1.88 48.24 8.94 57.18 3.06 60.24 10.12 70.35 8.47 78.82 8.94 87.76 9.65 97.41 2.59 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 500.66 123.80 414.22 323.87 174.19 118.72 382.34 1,674.62 378.45 0.00 10.12 103.59 105.84 457.59 601.29 1,116.45 2,358.85 1,521.80 3,245.85 898.73 14,510.95

500.66 624.46 1,038.68 1,362.54 1,536.73 1,655.45 2,037.79 3,712.41 4,090.86 4,090.86 4,100.98 4,204.56 4,310.40 4,767.99 5,369.28 6,485.73 8,844.58 10,366.38 13,612.23 14,510.95

3.45 3.45 17.47 0.85 4.30 22.14 2.85 7.16 30.41 2.23 9.39 22.77 1.20 10.59 6.48 0.82 11.41 5.54 2.63 14.04 22.68 11.54 25.58 93.77 2.61 28.19 25.09 0.00 28.19 0.00 0.07 28.26 1.01 0.71 28.98 8.72 0.73 29.70 12.14 3.15 32.86 22.45 4.14 37.00 48.85 7.69 44.70 27.49 16.26 60.95 54.53 10.49 71.44 64.84 22.37 93.81 78.56 6.19 100.00 158.61

17.47 18.24 21.70 21.95 17.27 15.00 16.01 25.58 25.54 24.26 22.96 22.07 21.64 21.71 23.15 23.80 28.01 30.56 35.77 37.57

37.57

Page 27 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 27,774 16,904 30,701 26,808 39,552 24,581 18,721 14,957 8,341 4,591 3,570 4,287 2,860 3,309 2,073 3,246 2,809 1,319 1,891 741 239,035

27,774 44,678 75,379 102,187 141,739 166,320 185,041 199,998 208,339 212,930 216,500 220,787 223,647 226,956 229,029 232,275 235,084 236,403 238,294 239,035

11.62 11.62 7.07 18.69 12.84 31.53 11.22 42.75 16.55 59.30 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

28,174.74 3,619.77 9,238.53 11,627.70 24,863.40 22,161.81 24,576.15 27,039.91 20,432.48 14,029.51 14,571.20 18,366.96 14,853.03 19,901.11 15,621.09 31,956.24 31,655.52 14,687.82 30,803.25 16,005.91 394,186.10

28,174.74 31,794.51 41,033.03 52,660.73 77,524.13 99,685.94 124,262.08 151,301.99 171,734.48 185,763.99 200,335.19 218,702.14 233,555.17 253,456.28 269,077.37 301,033.61 332,689.12 347,376.95 378,180.19 394,186.10

7.15 7.15 0.92 8.07 2.34 10.41 2.95 13.36 6.31 19.67 5.62 25.29 6.23 31.52 6.86 38.38 5.18 43.57 3.56 47.13 3.70 50.82 4.66 55.48 3.77 59.25 5.05 64.30 3.96 68.26 8.11 76.37 8.03 84.40 3.73 88.13 7.81 95.94 4.06 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 832 142 218 128 160 130 119 108 73 95 50 60 55 107 53 153 467 192 603 1,091 4,836

832 974 1,192 1,320 1,480 1,610 1,729 1,837 1,910 2,005 2,055 2,115 2,170 2,277 2,330 2,483 2,950 3,142 3,745 4,836

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

17.20 17.20 39,681.66 39,681.66 2.94 20.14 3,580.31 43,261.98 4.51 24.65 5,374.16 48,636.13 2.65 27.30 6,210.20 54,846.33 3.31 30.60 6,474.06 61,320.39 2.69 33.29 5,162.11 66,482.50 2.46 35.75 8,936.97 75,419.47 2.23 37.99 3,177.27 78,596.75 1.51 39.50 10,278.26 88,875.01 1.96 41.46 5,657.10 94,532.11 1.03 42.49 4,939.57 99,471.68 1.24 43.73 8,878.01 108,349.69 1.14 44.87 9,995.14 118,344.84 2.21 47.08 15,457.34 133,802.17 1.10 48.18 6,007.01 139,809.18 3.16 51.34 19,426.43 159,235.62 9.66 61.00 32,820.08 192,055.70 3.97 64.97 20,312.50 212,368.20 12.47 77.44 175,513.54 387,881.75 22.56 100.00 242,508.01 630,389.76 630,389.76

6.29 6.29 0.57 6.86 0.85 7.72 0.99 8.70 1.03 9.73 0.82 10.55 1.42 11.96 0.50 12.47 1.63 14.10 0.90 15.00 0.78 15.78 1.41 17.19 1.59 18.77 2.45 21.23 0.95 22.18 3.08 25.26 5.21 30.47 3.22 33.69 27.84 61.53 38.47 100.00

LOSS RATIO PERCENTAGE BAND CUM. 140.84 98.91 58.17 53.41 26.04 23.29 36.36 11.75 50.30 40.32 33.90 48.34 67.29 77.67 38.45 60.79 103.68 138.29 569.79 1,515.12

140.84 136.07 118.53 104.15 79.10 66.69 60.69 51.95 51.75 50.89 49.65 49.54 50.67 52.79 51.96 52.90 57.73 61.13 102.57 159.92

159.92

Page 28 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. 31,190 25,461 32,183 19,864 21,459 11,109 7,797 6,621 3,818 2,373 1,831 2,332 1,696 2,540 1,676 3,159 2,753 1,480 2,059 681 182,082

31,190 56,651 88,834 108,698 130,157 141,266 149,063 155,684 159,502 161,875 163,706 166,038 167,734 170,274 171,950 175,109 177,862 179,342 181,401 182,082

17.13 17.13 13.98 31.11 17.68 48.79 10.91 59.70 11.79 71.48 6.10 77.58 4.28 81.87 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 93.52 0.92 94.44 1.73 96.17 1.51 97.68 0.81 98.50 1.13 99.63 0.37 100.00

21,323.72 4,648.34 10,264.03 9,947.75 16,799.58 12,514.76 12,502.60 13,657.51 10,523.05 7,654.25 7,741.68 9,630.41 8,577.99 14,513.41 12,184.45 29,319.34 30,676.22 16,036.87 23,021.07 9,896.58 281,433.64

21,323.72 25,972.07 36,236.10 46,183.85 62,983.44 75,498.19 88,000.80 101,658.31 112,181.36 119,835.61 127,577.29 137,207.71 145,785.69 160,299.10 172,483.56 201,802.90 232,479.12 248,515.99 271,537.06 281,433.64

7.58 7.58 1.65 9.23 3.65 12.88 3.53 16.41 5.97 22.38 4.45 26.83 4.44 31.27 4.85 36.12 3.74 39.86 2.72 42.58 2.75 45.33 3.42 48.75 3.05 51.80 5.16 56.96 4.33 61.29 10.42 71.71 10.90 82.61 5.70 88.30 8.18 96.48 3.52 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 527 57 123 145 115 91 83 116 88 41 52 116 73 140 294 225 333 234 501 327 3,681

527 584 707 852 967 1,058 1,141 1,257 1,345 1,386 1,438 1,554 1,627 1,767 2,061 2,286 2,619 2,853 3,354 3,681

14.32 14.32 1.55 15.87 3.34 19.21 3.94 23.15 3.12 26.27 2.47 28.74 2.25 31.00 3.15 34.15 2.39 36.54 1.11 37.65 1.41 39.07 3.15 42.22 1.98 44.20 3.80 48.00 7.99 55.99 6.11 62.10 9.05 71.15 6.36 77.51 13.61 91.12 8.88 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 157,079.95 157,079.95 474.75 157,554.70 1,381.55 158,936.25 9,239.31 168,175.56 2,377.29 170,552.85 2,689.42 173,242.28 6,765.05 180,007.33 5,196.41 185,203.74 42,786.90 227,990.64 3,571.02 231,561.66 760.23 232,321.89 5,727.75 238,049.64 16,130.75 254,180.39 17,769.82 271,950.21 6,488.58 278,438.80 35,645.78 314,084.58 87,437.60 401,522.19 149,951.05 551,473.23 331,222.59 882,695.82 212,672.38 1,095,368.20 1,095,368.20

14.34 14.34 0.04 14.38 0.13 14.51 0.84 15.35 0.22 15.57 0.25 15.82 0.62 16.43 0.47 16.91 3.91 20.81 0.33 21.14 0.07 21.21 0.52 21.73 1.47 23.21 1.62 24.83 0.59 25.42 3.25 28.67 7.98 36.66 13.69 50.35 30.24 80.58 19.42 100.00

: : :

01/01/2009 15/12/2012 15/03/2013 LOSS RATIO PERCENTAGE BAND CUM. 736.64 10.21 13.46 92.88 14.15 21.49 54.11 38.05 406.60 46.65 9.82 59.48 188.05 122.44 53.25 121.58 285.03 935.04 1,438.78 2,148.95

736.64 606.63 438.61 364.14 270.79 229.47 204.55 182.18 203.23 193.23 182.10 173.50 174.35 169.65 161.43 155.64 172.71 221.91 325.07 389.21

389.21

Page 29 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

: : :

TOTAL FR, IAR, LOP, EQ 2009 11 - JAWA TENGAH

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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

25 21,295 21,295 75 16,277 37,572 150 16,651 54,223 250 8,220 62,443 400 8,762 71,205 625 4,955 76,160 875 3,726 79,886 1,250 3,304 83,190 1,750 1,921 85,111 2,250 1,112 86,223 2,750 894 87,117 3,500 1,158 88,275 4,500 685 88,960 6,250 1,040 90,000 8,750 613 90,613 15,000 1,159 91,772 35,000 971 92,743 75,000 433 93,176 300,000 492 93,668 210 93,878 93,878

22.68 22.68 17.34 40.02 17.74 57.76 8.76 66.52 9.33 75.85 5.28 81.13 3.97 85.10 3.52 88.62 2.05 90.66 1.18 91.85 0.95 92.80 1.23 94.03 0.73 94.76 1.11 95.87 0.65 96.52 1.23 97.76 1.03 98.79 0.46 99.25 0.52 99.78 0.22 100.00

8,173.73 2,843.56 5,314.28 4,375.66 7,436.84 6,172.50 5,933.58 7,194.72 5,213.99 3,938.71 3,965.93 5,268.90 4,069.60 6,981.39 5,509.71 13,618.23 12,647.44 5,453.50 7,552.26 2,110.55 123,775.08

8,173.73 11,017.29 16,331.57 20,707.23 28,144.07 34,316.57 40,250.15 47,444.87 52,658.86 56,597.57 60,563.50 65,832.40 69,902.00 76,883.39 82,393.10 96,011.33 108,658.77 114,112.27 121,664.53 123,775.08

6.60 6.60 2.30 8.90 4.29 13.19 3.54 16.73 6.01 22.74 4.99 27.72 4.79 32.52 5.81 38.33 4.21 42.54 3.18 45.73 3.20 48.93 4.26 53.19 3.29 56.48 5.64 62.12 4.45 66.57 11.00 77.57 10.22 87.79 4.41 92.19 6.10 98.29 1.71 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

120 22 46 28 38 29 27 49 19 7 12 24 33 72 57 117 79 99 110 62

10,218.81 10,218.81 2,180.41 12,399.22 1,938.67 14,337.90 633.33 14,971.23 696.95 15,668.18 1,173.10 16,841.27 648.22 17,489.49 4,605.60 22,095.09 273.26 22,368.35 57.52 22,425.87 267.98 22,693.85 2,443.82 25,137.67 614.57 25,752.23 13,108.96 38,861.19 1,751.46 40,612.65 52,287.89 92,900.54 6,737.46 99,638.00 3,010.40 102,648.39 48,278.30 150,926.69 9,863.07 160,789.76

1,050

120 142 188 216 254 283 310 359 378 385 397 421 454 526 583 700 779 878 988 1,050

11.43 11.43 2.10 13.52 4.38 17.90 2.67 20.57 3.62 24.19 2.76 26.95 2.57 29.52 4.67 34.19 1.81 36.00 0.67 36.67 1.14 37.81 2.29 40.10 3.14 43.24 6.86 50.10 5.43 55.52 11.14 66.67 7.52 74.19 9.43 83.62 10.48 94.10 5.90 100.00

160,789.76

6.36 6.36 1.36 7.71 1.21 8.92 0.39 9.31 0.43 9.74 0.73 10.47 0.40 10.88 2.86 13.74 0.17 13.91 0.04 13.95 0.17 14.11 1.52 15.63 0.38 16.02 8.15 24.17 1.09 25.26 32.52 57.78 4.19 61.97 1.87 63.84 30.03 93.87 6.13 100.00

125.02 76.68 36.48 14.47 9.37 19.01 10.92 64.01 5.24 1.46 6.76 46.38 15.10 187.77 31.79 383.96 53.27 55.20 639.26 467.32

125.02 112.54 87.79 72.30 55.67 49.08 43.45 46.57 42.48 39.62 37.47 38.18 36.84 50.55 49.29 96.76 91.70 89.95 124.05 129.90

129.90

Page 30 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

: : :

SUM INSURED Mid Points (in million) From To 0 50 > 50 100 > 100 200 > 200 300 > 300 500 > 500 750 > 750 1,000 > 1,000 1,500 > 1,500 2,000 > 2,000 2,500 > 2,500 3,000 > 3,000 4,000 > 4,000 5,000 > 5,000 7,500 > 7,500 10,000 > 10,000 20,000 > 20,000 50,000 > 50,000 100,000 > 100,000 500,000 > 500,000 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 2009 12 - DAERAH ISTIMEWA YOGYAKARTA

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,730 1,897 2,529 1,423 1,494 909 790 626 374 196 151 174 97 194 91 115 115 51 31 11 13,998

2,730 4,627 7,156 8,579 10,073 10,982 11,772 12,398 12,772 12,968 13,119 13,293 13,390 13,584 13,675 13,790 13,905 13,956 13,987 13,998

19.50 19.50 13.55 33.05 18.07 51.12 10.17 61.29 10.67 71.96 6.49 78.45 5.64 84.10 4.47 88.57 2.67 91.24 1.40 92.64 1.08 93.72 1.24 94.96 0.69 95.66 1.39 97.04 0.65 97.69 0.82 98.51 0.82 99.34 0.36 99.70 0.22 99.92 0.08 100.00

866.25 319.06 822.72 606.34 978.40 920.92 1,719.52 1,151.77 730.10 494.18 480.15 793.91 361.96 1,032.63 429.98 1,182.16 1,005.12 465.54 615.89 325.57 15,302.18

866.25 1,185.31 2,008.02 2,614.36 3,592.77 4,513.68 6,233.21 7,384.97 8,115.07 8,609.25 9,089.40 9,883.32 10,245.28 11,277.91 11,707.89 12,890.06 13,895.18 14,360.72 14,976.61 15,302.18

5.66 5.66 2.09 7.75 5.38 13.12 3.96 17.08 6.39 23.48 6.02 29.50 11.24 40.73 7.53 48.26 4.77 53.03 3.23 56.26 3.14 59.40 5.19 64.59 2.37 66.95 6.75 73.70 2.81 76.51 7.73 84.24 6.57 90.81 3.04 93.85 4.02 97.87 2.13 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 14 4 16 7 20 6 4 11 2 4 6 11 2 2 0 0 21 15 14 8 167

14 18 34 41 61 67 71 82 84 88 94 105 107 109 109 109 130 145 159 167

8.38 8.38 2.40 10.78 9.58 20.36 4.19 24.55 11.98 36.53 3.59 40.12 2.40 42.51 6.59 49.10 1.20 50.30 2.40 52.69 3.59 56.29 6.59 62.87 1.20 64.07 1.20 65.27 0.00 65.27 0.00 65.27 12.57 77.84 8.98 86.83 8.38 95.21 4.79 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 271.78 79.51 37.87 68.79 434.08 231.65 32.74 164.34 4.93 38.85 20.64 94.84 5.55 4.32 0.00 0.00 1,748.77 942.15 32.44 163.79 4,377.04

271.78 351.29 389.16 457.94 892.02 1,123.67 1,156.41 1,320.75 1,325.68 1,364.53 1,385.17 1,480.01 1,485.56 1,489.88 1,489.88 1,489.88 3,238.65 4,180.80 4,213.24 4,377.04

6.21 6.21 31.37 1.82 8.03 24.92 0.87 8.89 4.60 1.57 10.46 11.34 9.92 20.38 44.37 5.29 25.67 25.15 0.75 26.42 1.90 3.75 30.17 14.27 0.11 30.29 0.67 0.89 31.17 7.86 0.47 31.65 4.30 2.17 33.81 11.95 0.13 33.94 1.53 0.10 34.04 0.42 0.00 34.04 0.00 0.00 34.04 0.00 39.95 73.99 173.99 21.52 95.52 202.38 0.74 96.26 5.27 3.74 100.00 50.31

31.37 29.64 19.38 17.52 24.83 24.89 18.55 17.88 16.34 15.85 15.24 14.97 14.50 13.21 12.73 11.56 23.31 29.11 28.13 28.60

28.60

Page 31 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 21,846 17,934 21,468 12,592 15,080 9,040 6,890 6,283 3,719 2,094 1,672 1,962 1,454 2,095 1,163 2,108 2,053 905 1,119 418 131,895

21,846 39,780 61,248 73,840 88,920 97,960 104,850 111,133 114,852 116,946 118,618 120,580 122,034 124,129 125,292 127,400 129,453 130,358 131,477 131,895

16.56 16.56 13.60 30.16 16.28 46.44 9.55 55.98 11.43 67.42 6.85 74.27 5.22 79.50 4.76 84.26 2.82 87.08 1.59 88.67 1.27 89.93 1.49 91.42 1.10 92.52 1.59 94.11 0.88 94.99 1.60 96.59 1.56 98.15 0.69 98.83 0.85 99.68 0.32 100.00

14,332.29 3,499.72 6,978.69 6,405.13 12,129.47 10,079.08 10,121.11 12,602.15 9,854.74 8,456.76 6,685.16 9,581.20 8,332.86 13,648.54 10,734.16 25,733.67 23,913.38 9,003.83 13,515.73 8,417.26 224,024.92

14,332.29 17,832.01 24,810.69 31,215.82 43,345.29 53,424.37 63,545.48 76,147.63 86,002.37 94,459.13 101,144.29 110,725.49 119,058.35 132,706.89 143,441.05 169,174.72 193,088.09 202,091.93 215,607.66 224,024.92

6.40 6.40 1.56 7.96 3.12 11.07 2.86 13.93 5.41 19.35 4.50 23.85 4.52 28.37 5.63 33.99 4.40 38.39 3.77 42.16 2.98 45.15 4.28 49.43 3.72 53.15 6.09 59.24 4.79 64.03 11.49 75.52 10.67 86.19 4.02 90.21 6.03 96.24 3.76 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

222 44 58 42 58 32 45 157 45 49 40 48 54 129 59 140 181 137 305 121

25,256.82 318.94 2,800.34 1,011.65 3,403.86 3,180.78 3,524.17 5,049.38 3,739.53 4,629.23 1,877.48 2,534.03 5,827.09 4,123.81 5,568.21 20,563.02 47,357.95 12,984.61 179,203.03 62,892.33

176.22 9.11 40.13 15.79 28.06 31.56 34.82 40.07 37.95 54.74 28.08 26.45 69.93 30.21 51.87 79.91 198.04 144.21 1,325.88 747.18

1,966

222 266 324 366 424 456 501 658 703 752 792 840 894 1,023 1,082 1,222 1,403 1,540 1,845 1,966

11.29 11.29 2.24 13.53 2.95 16.48 2.14 18.62 2.95 21.57 1.63 23.19 2.29 25.48 7.99 33.47 2.29 35.76 2.49 38.25 2.03 40.28 2.44 42.73 2.75 45.47 6.56 52.03 3.00 55.04 7.12 62.16 9.21 71.36 6.97 78.33 15.51 93.85 6.15 100.00

395,846.25

25,256.82 25,575.75 28,376.10 29,387.75 32,791.61 35,972.39 39,496.55 44,545.93 48,285.47 52,914.70 54,792.18 57,326.21 63,153.30 67,277.11 72,845.33 93,408.34 140,766.29 153,750.90 332,953.93 395,846.25

6.38 6.38 0.08 6.46 0.71 7.17 0.26 7.42 0.86 8.28 0.80 9.09 0.89 9.98 1.28 11.25 0.94 12.20 1.17 13.37 0.47 13.84 0.64 14.48 1.47 15.95 1.04 17.00 1.41 18.40 5.19 23.60 11.96 35.56 3.28 38.84 45.27 84.11 15.89 100.00

176.22 143.43 114.37 94.14 75.65 67.33 62.15 58.50 56.14 56.02 54.17 51.77 53.04 50.70 50.78 55.21 72.90 76.08 154.43 176.70

176.70

Page 32 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

: : :

TOTAL FR, IAR, LOP, EQ 2009 14 - KALIMANTAN BARAT

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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

25 9,192 9,192 75 9,098 18,290 150 10,042 28,332 250 3,653 31,985 400 2,841 34,826 625 1,037 35,863 875 686 36,549 1,250 470 37,019 1,750 230 37,249 2,250 164 37,413 2,750 122 37,535 3,500 146 37,681 4,500 82 37,763 6,250 116 37,879 8,750 62 37,941 15,000 162 38,103 35,000 151 38,254 75,000 65 38,319 300,000 57 38,376 15 38,391 38,391

23.94 23.94 23.70 47.64 26.16 73.80 9.52 83.31 7.40 90.71 2.70 93.42 1.79 95.20 1.22 96.43 0.60 97.03 0.43 97.45 0.32 97.77 0.38 98.15 0.21 98.36 0.30 98.67 0.16 98.83 0.42 99.25 0.39 99.64 0.17 99.81 0.15 99.96 0.04 100.00

4,115.63 4,186.43 9,293.33 5,871.46 6,544.92 3,312.90 2,737.33 2,100.27 1,471.25 1,006.59 739.63 1,129.76 720.46 1,103.41 830.07 2,998.30 1,918.16 5,530.57 1,718.44 248.98 57,577.87

4,115.63 8,302.05 17,595.38 23,466.84 30,011.76 33,324.66 36,061.99 38,162.26 39,633.51 40,640.10 41,379.73 42,509.49 43,229.95 44,333.36 45,163.43 48,161.73 50,079.88 55,610.45 57,328.89 57,577.87

7.15 7.15 7.27 14.42 16.14 30.56 10.20 40.76 11.37 52.12 5.75 57.88 4.75 62.63 3.65 66.28 2.56 68.83 1.75 70.58 1.28 71.87 1.96 73.83 1.25 75.08 1.92 77.00 1.44 78.44 5.21 83.65 3.33 86.98 9.61 96.58 2.98 99.57 0.43 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 30 20 61 42 26 8 1 7 0 3 0 3 12 4 15 28 17 11 18 0 306

30 50 111 153 179 187 188 195 195 198 198 201 213 217 232 260 277 288 306 306

9.80 9.80 6.54 16.34 19.93 36.27 13.73 50.00 8.50 58.50 2.61 61.11 0.33 61.44 2.29 63.73 0.00 63.73 0.98 64.71 0.00 64.71 0.98 65.69 3.92 69.61 1.31 70.92 4.90 75.82 9.15 84.97 5.56 90.52 3.59 94.12 5.88 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,423.76 624.47 3,193.59 2,198.80 2,606.07 401.29 0.00 79.39 0.00 57.76 0.00 379.30 587.40 80.12 464.77 15,169.75 4,064.36 2,054.99 15,246.70 0.00 48,632.50

1,423.76 2,048.23 5,241.81 7,440.62 10,046.69 10,447.97 10,447.97 10,527.36 10,527.36 10,585.12 10,585.12 10,964.42 11,551.82 11,631.94 12,096.71 27,266.46 31,330.81 33,385.80 48,632.50 48,632.50

2.93 2.93 34.59 1.28 4.21 14.92 6.57 10.78 34.36 4.52 15.30 37.45 5.36 20.66 39.82 0.83 21.48 12.11 0.00 21.48 0.00 0.16 21.65 3.78 0.00 21.65 0.00 0.12 21.77 5.74 0.00 21.77 0.00 0.78 22.55 33.57 1.21 23.75 81.53 0.16 23.92 7.26 0.96 24.87 55.99 31.19 56.07 505.94 8.36 64.42 211.89 4.23 68.65 37.16 31.35 100.00 887.24 0.00 100.00 0.00

34.59 24.67 29.79 31.71 33.48 31.35 28.97 27.59 26.56 26.05 25.58 25.79 26.72 26.24 26.78 56.61 62.56 60.04 84.83 84.46

84.46

Page 33 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,663 1,727 1,785 924 990 482 302 255 122 76 48 50 34 60 28 79 73 69 45 11 8,823

1,663 3,390 5,175 6,099 7,089 7,571 7,873 8,128 8,250 8,326 8,374 8,424 8,458 8,518 8,546 8,625 8,698 8,767 8,812 8,823

18.85 18.85 19.57 38.42 20.23 58.65 10.47 69.13 11.22 80.35 5.46 85.81 3.42 89.23 2.89 92.12 1.38 93.51 0.86 94.37 0.54 94.91 0.57 95.48 0.39 95.86 0.68 96.54 0.32 96.86 0.90 97.76 0.83 98.58 0.78 99.37 0.51 99.88 0.12 100.00

811.06 624.48 1,269.63 974.85 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 14,250.14

811.06 1,435.54 2,705.17 3,680.03 5,418.11 6,926.55 7,800.63 9,003.16 9,551.74 9,822.62 10,069.30 10,333.33 10,540.34 10,910.78 11,155.66 12,070.25 12,961.85 13,794.60 14,173.73 14,250.14

5.69 5.69 4.38 10.07 8.91 18.98 6.84 25.82 12.20 38.02 10.59 48.61 6.13 54.74 8.44 63.18 3.85 67.03 1.90 68.93 1.73 70.66 1.85 72.51 1.45 73.97 2.60 76.57 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 16 14 2 26 23 5 5 131

24 26 26 30 34 36 40 40 40 40 40 40 40 56 70 72 98 121 126 131

18.32 18.32 1.53 19.85 0.00 19.85 3.05 22.90 3.05 25.95 1.53 27.48 3.05 30.53 0.00 30.53 0.00 30.53 0.00 30.53 0.00 30.53 0.00 30.53 0.00 30.53 12.21 42.75 10.69 53.44 1.53 54.96 19.85 74.81 17.56 92.37 3.82 96.18 3.82 100.00

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 1,864.26 315.09 755.71 230.59 5,676.15

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 4,374.76 4,689.85 5,445.56 5,676.15

5.83 5.83 0.38 6.21 0.00 6.21 3.09 9.30 6.81 16.11 0.63 16.75 12.74 29.49 0.00 29.49 0.00 29.49 0.00 29.49 0.00 29.49 0.00 29.49 0.00 29.49 1.24 30.73 12.89 43.61 0.62 44.23 32.84 77.07 5.55 82.62 13.31 95.94 4.06 100.00

40.82 3.44 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 3.83 209.09 37.84 199.33 301.80

40.82 24.56 13.03 14.35 16.88 13.72 21.46 18.59 17.53 17.04 16.62 16.20 15.88 15.98 22.19 20.80 33.75 34.00 38.42 39.83

39.83

Page 34 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,875 3,214 3,944 2,069 1,963 1,009 579 454 270 169 114 154 121 134 106 160 141 110 94 37 18,717

3,875 7,089 11,033 13,102 15,065 16,074 16,653 17,107 17,377 17,546 17,660 17,814 17,935 18,069 18,175 18,335 18,476 18,586 18,680 18,717

20.70 20.70 17.17 37.87 21.07 58.95 11.05 70.00 10.49 80.49 5.39 85.88 3.09 88.97 2.43 91.40 1.44 92.84 0.90 93.74 0.61 94.35 0.82 95.18 0.65 95.82 0.72 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

1,546.07 712.55 1,563.07 1,217.84 1,941.78 1,634.50 1,628.02 1,297.99 1,013.97 1,005.76 609.99 858.91 690.15 1,168.15 1,074.68 (792.05) 2,201.66 1,691.96 1,372.47 504.96 22,942.42

1,546.07 2,258.62 3,821.69 5,039.53 6,981.31 8,615.81 10,243.83 11,541.82 12,555.78 13,561.54 14,171.53 15,030.44 15,720.59 16,888.74 17,963.42 17,171.37 19,373.03 21,064.99 22,437.46 22,942.42

6.74 6.74 3.11 9.84 6.81 16.66 5.31 21.97 8.46 30.43 7.12 37.55 7.10 44.65 5.66 50.31 4.42 54.73 4.38 59.11 2.66 61.77 3.74 65.51 3.01 68.52 5.09 73.61 4.68 78.30 (3.45) 74.85 9.60 84.44 7.37 91.82 5.98 97.80 2.20 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 29 6 2 2 5 8 9 13 2 2 0 0 1 2 13 7 1 16 52 7 177

29 35 37 39 44 52 61 74 76 78 78 78 79 81 94 101 102 118 170 177

16.38 16.38 3.39 19.77 1.13 20.90 1.13 22.03 2.82 24.86 4.52 29.38 5.08 34.46 7.34 41.81 1.13 42.94 1.13 44.07 0.00 44.07 0.00 44.07 0.56 44.63 1.13 45.76 7.34 53.11 3.95 57.06 0.56 57.63 9.04 66.67 29.38 96.05 3.95 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,996.51 133.96 14.64 180.29 110.77 373.31 506.15 171.39 3.22 0.45 0.00 0.00 0.00 51.03 142.98 55.87 0.00 135.96 7,486.40 280.58 12,643.49

2,996.51 3,130.46 3,145.10 3,325.39 3,436.16 3,809.47 4,315.62 4,487.01 4,490.23 4,490.68 4,490.68 4,490.68 4,490.68 4,541.70 4,684.68 4,740.55 4,740.55 4,876.51 12,362.90 12,643.49

23.70 23.70 193.81 193.81 1.06 24.76 18.80 138.60 0.12 24.88 0.94 82.30 1.43 26.30 14.80 65.99 0.88 27.18 5.70 49.22 2.95 30.13 22.84 44.21 4.00 34.13 31.09 42.13 1.36 35.49 13.20 38.88 0.03 35.51 0.32 35.76 0.00 35.52 0.04 33.11 0.00 35.52 0.00 31.69 0.00 35.52 0.00 29.88 0.00 35.52 0.00 28.57 0.40 35.92 4.37 26.89 1.13 37.05 13.30 26.08 0.44 37.49 (7.05) 27.61 0.00 37.49 0.00 24.47 1.08 38.57 8.04 23.15 59.21 97.78 545.47 55.10 2.22 100.00 55.57 55.11 55.11

Page 35 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,865 3,609 5,210 3,474 4,118 2,141 1,545 1,173 613 299 274 276 190 233 165 244 292 139 214 69 28,143

3,865 7,474 12,684 16,158 20,276 22,417 23,962 25,135 25,748 26,047 26,321 26,597 26,787 27,020 27,185 27,429 27,721 27,860 28,074 28,143

13.73 13.73 12.82 26.56 18.51 45.07 12.34 57.41 14.63 72.05 7.61 79.65 5.49 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 0.59 96.60 0.87 97.46 1.04 98.50 0.49 98.99 0.76 99.75 0.25 100.00

2,981.77 1,111.45 2,576.58 2,583.60 4,720.05 3,830.16 3,933.84 3,939.46 2,582.02 1,202.96 1,613.28 1,672.07 1,347.86 2,224.54 1,327.90 4,439.72 3,076.58 1,813.85 4,144.14 2,649.05 53,770.89

2,981.77 4,093.22 6,669.80 9,253.40 13,973.46 17,803.62 21,737.46 25,676.92 28,258.94 29,461.90 31,075.17 32,747.24 34,095.10 36,319.63 37,647.54 42,087.26 45,163.84 46,977.70 51,121.83 53,770.89

5.55 5.55 2.07 7.61 4.79 12.40 4.80 17.21 8.78 25.99 7.12 33.11 7.32 40.43 7.33 47.75 4.80 52.55 2.24 54.79 3.00 57.79 3.11 60.90 2.51 63.41 4.14 67.55 2.47 70.01 8.26 78.27 5.72 83.99 3.37 87.37 7.71 95.07 4.93 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 24 8 12 6 24 4 10 18 4 0 16 12 0 4 0 12 18 17 129 16 334

24 32 44 50 74 78 88 106 110 110 126 138 138 142 142 154 172 189 318 334

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

7.19 7.19 3,565.43 3,565.43 2.40 9.58 209.86 3,775.29 3.59 13.17 262.77 4,038.07 1.80 14.97 178.19 4,216.26 7.19 22.16 1,493.11 5,709.36 1.20 23.35 42.85 5,752.21 2.99 26.35 1,019.82 6,772.03 5.39 31.74 100.95 6,872.99 1.20 32.93 73.08 6,946.06 0.00 32.93 0.00 6,946.06 4.79 37.72 3,770.60 10,716.66 3.59 41.32 311.36 11,028.02 0.00 41.32 0.00 11,028.02 1.20 42.51 581.73 11,609.76 0.00 42.51 0.00 11,609.76 3.59 46.11 1,283.52 12,893.28 5.39 51.50 308.71 13,201.99 5.09 56.59 5,263.64 18,465.63 38.62 95.21 15,720.09 34,185.72 4.79 100.00 152,471.56 186,657.28 186,657.28

1.91 1.91 0.11 2.02 0.14 2.16 0.10 2.26 0.80 3.06 0.02 3.08 0.55 3.63 0.05 3.68 0.04 3.72 0.00 3.72 2.02 5.74 0.17 5.91 0.00 5.91 0.31 6.22 0.00 6.22 0.69 6.91 0.17 7.07 2.82 9.89 8.42 18.31 81.69 100.00

LOSS RATIO PERCENTAGE BAND CUM. 119.57 18.88 10.20 6.90 31.63 1.12 25.92 2.56 2.83 0.00 233.72 18.62 0.00 26.15 0.00 28.91 10.03 290.19 379.33 5,755.70

119.57 92.23 60.54 45.56 40.86 32.31 31.15 26.77 24.58 23.58 34.49 33.68 32.34 31.97 30.84 30.63 29.23 39.31 66.87 347.13

347.13

Page 36 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,870 1,440 2,431 1,606 1,775 914 727 657 374 180 144 194 82 173 107 115 96 29 68 7 12,989

1,870 3,310 5,741 7,347 9,122 10,036 10,763 11,420 11,794 11,974 12,118 12,312 12,394 12,567 12,674 12,789 12,885 12,914 12,982 12,989

14.40 14.40 11.09 25.48 18.72 44.20 12.36 56.56 13.67 70.23 7.04 77.27 5.60 82.86 5.06 87.92 2.88 90.80 1.39 92.19 1.11 93.29 1.49 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

879.88 356.41 829.47 771.89 1,516.33 1,403.27 1,498.15 1,916.59 1,322.00 920.33 900.88 939.81 530.52 1,295.08 1,013.37 1,472.36 1,005.80 352.86 469.96 200.31 19,595.28

879.88 1,236.29 2,065.76 2,837.66 4,353.98 5,757.26 7,255.41 9,172.00 10,494.00 11,414.34 12,315.22 13,255.02 13,785.54 15,080.62 16,093.99 17,566.35 18,572.15 18,925.01 19,394.97 19,595.28

4.49 4.49 1.82 6.31 4.23 10.54 3.94 14.48 7.74 22.22 7.16 29.38 7.65 37.03 9.78 46.81 6.75 53.55 4.70 58.25 4.60 62.85 4.80 67.64 2.71 70.35 6.61 76.96 5.17 82.13 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. 6 2 6 2 13 2 0 0 0 5 4 2 3 0 0 7 0 1 3 0 56

6 8 14 16 29 31 31 31 31 36 40 42 45 45 45 52 52 53 56 56

10.71 10.71 3.57 14.29 10.71 25.00 3.57 28.57 23.21 51.79 3.57 55.36 0.00 55.36 0.00 55.36 0.00 55.36 8.93 64.29 7.14 71.43 3.57 75.00 5.36 80.36 0.00 80.36 0.00 80.36 12.50 92.86 0.00 92.86 1.79 94.64 5.36 100.00 0.00 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

2,109.73 48.00 224.97 130.00 1,161.61 19.09 0.00 0.00 0.00 87.43 320.55 0.00 69.30 0.00 0.00 25,235.12 0.00 0.00 5.52 0.00

239.77 13.47 27.12 16.84 76.61 1.36 0.00 0.00 0.00 9.50 35.58 0.00 13.06 0.00 0.00 1,713.93 0.00 0.00 1.17 0.00

29,411.31

2,109.73 2,157.73 2,382.70 2,512.70 3,674.31 3,693.40 3,693.40 3,693.40 3,693.40 3,780.83 4,101.37 4,101.37 4,170.67 4,170.67 4,170.67 29,405.79 29,405.79 29,405.79 29,411.31 29,411.31

7.17 7.17 0.16 7.34 0.76 8.10 0.44 8.54 3.95 12.49 0.06 12.56 0.00 12.56 0.00 12.56 0.00 12.56 0.30 12.86 1.09 13.94 0.00 13.94 0.24 14.18 0.00 14.18 0.00 14.18 85.80 99.98 0.00 99.98 0.00 99.98 0.02 100.00 0.00 100.00

239.77 174.53 115.34 88.55 84.39 64.15 50.91 40.27 35.20 33.12 33.30 30.94 30.25 27.66 25.91 167.40 158.33 155.38 151.64 150.09

150.09

Page 37 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,245 959 1,239 828 878 470 329 284 162 82 47 70 55 63 36 22 36 19 5 0 6,829

1,245 2,204 3,443 4,271 5,149 5,619 5,948 6,232 6,394 6,476 6,523 6,593 6,648 6,711 6,747 6,769 6,805 6,824 6,829 6,829

18.23 18.23 14.04 32.27 18.14 50.42 12.12 62.54 12.86 75.40 6.88 82.28 4.82 87.10 4.16 91.26 2.37 93.63 1.20 94.83 0.69 95.52 1.03 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

322.44 266.45 609.22 988.24 1,408.32 1,037.34 1,005.83 1,102.83 843.80 529.99 331.67 524.70 404.69 424.87 310.32 592.98 286.02 79.79 34.18 0.00 11,103.68

322.44 588.89 1,198.11 2,186.35 3,594.68 4,632.02 5,637.85 6,740.69 7,584.48 8,114.48 8,446.14 8,970.84 9,375.53 9,800.40 10,110.72 10,703.69 10,989.71 11,069.51 11,103.68 11,103.68

2.90 2.90 2.40 5.30 5.49 10.79 8.90 19.69 12.68 32.37 9.34 41.72 9.06 50.77 9.93 60.71 7.60 68.31 4.77 73.08 2.99 76.07 4.73 80.79 3.64 84.44 3.83 88.26 2.79 91.06 5.34 96.40 2.58 98.97 0.72 99.69 0.31 100.00 0.00 100.00

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

2 4 6 6 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10

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

20.00 40.00 60.00 60.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 3.87 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 0.00 157.70

3.87 98.42 100.89 100.89 157.70 157.70 157.70 157.70 157.70 157.70 157.70 157.70 157.70 157.70 157.70 157.70 157.70 157.70 157.70 157.70

2.45 59.96 1.57 0.00 36.02 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

2.45 62.41 63.98 63.98 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

1.20 35.49 0.41 0.00 4.03 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

1.20 16.71 8.42 4.61 4.39 3.40 2.80 2.34 2.08 1.94 1.87 1.76 1.68 1.61 1.56 1.47 1.43 1.42 1.42 1.42

1.42

Page 38 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,251 6,297 7,347 3,998 4,084 2,162 1,353 1,095 624 328 294 341 190 312 155 243 217 93 99 51 34,534

5,251 11,548 18,895 22,893 26,977 29,139 30,492 31,587 32,211 32,539 32,833 33,174 33,364 33,676 33,831 34,074 34,291 34,384 34,483 34,534

15.21 15.21 18.23 33.44 21.27 54.71 11.58 66.29 11.83 78.12 6.26 84.38 3.92 88.30 3.17 91.47 1.81 93.27 0.95 94.22 0.85 95.07 0.99 96.06 0.55 96.61 0.90 97.52 0.45 97.96 0.70 98.67 0.63 99.30 0.27 99.57 0.29 99.85 0.15 100.00

1,963.81 1,256.86 2,875.06 3,163.37 5,386.01 4,877.18 3,618.62 3,569.31 2,370.73 1,409.94 1,486.74 1,666.80 1,274.28 2,029.13 1,518.20 3,055.75 2,519.69 1,490.57 1,190.91 950.95 47,673.91

1,963.81 3,220.66 6,095.73 9,259.09 14,645.10 19,522.28 23,140.90 26,710.21 29,080.94 30,490.89 31,977.63 33,644.43 34,918.71 36,947.84 38,466.04 41,521.79 44,041.48 45,532.05 46,722.96 47,673.91

4.12 4.12 2.64 6.76 6.03 12.79 6.64 19.42 11.30 30.72 10.23 40.95 7.59 48.54 7.49 56.03 4.97 61.00 2.96 63.96 3.12 67.08 3.50 70.57 2.67 73.24 4.26 77.50 3.18 80.69 6.41 87.10 5.29 92.38 3.13 95.51 2.50 98.01 1.99 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 25 10 4 9 13 8 11 3 7 6 5 4 8 8 0 6 2 6 14 4 153

25 35 39 48 61 69 80 83 90 96 101 105 113 121 121 127 129 135 149 153

16.34 16.34 6.54 22.88 2.61 25.49 5.88 31.37 8.50 39.87 5.23 45.10 7.19 52.29 1.96 54.25 4.58 58.82 3.92 62.75 3.27 66.01 2.61 68.63 5.23 73.86 5.23 79.08 0.00 79.08 3.92 83.01 1.31 84.31 3.92 88.24 9.15 97.39 2.61 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,648.19 23.06 33.35 390.12 861.67 218.94 4,791.15 1,034.14 69.56 30.92 198.35 1,971.33 239.57 304.83 0.00 43.73 32.67 133.06 846.68 516.55 14,387.88

2,648.19 2,671.25 2,704.60 3,094.72 3,956.39 4,175.33 8,966.48 10,000.62 10,070.18 10,101.10 10,299.45 12,270.78 12,510.36 12,815.18 12,815.18 12,858.91 12,891.59 13,024.65 13,871.33 14,387.88

18.41 18.41 134.85 134.85 0.16 18.57 1.83 82.94 0.23 18.80 1.16 44.37 2.71 21.51 12.33 33.42 5.99 27.50 16.00 27.02 1.52 29.02 4.49 21.39 33.30 62.32 132.40 38.75 7.19 69.51 28.97 37.44 0.48 69.99 2.93 34.63 0.21 70.21 2.19 33.13 1.38 71.58 13.34 32.21 13.70 85.29 118.27 36.47 1.67 86.95 18.80 35.83 2.12 89.07 15.02 34.68 0.00 89.07 0.00 33.32 0.30 89.37 1.43 30.97 0.23 89.60 1.30 29.27 0.92 90.53 8.93 28.61 5.88 96.41 71.10 29.69 3.59 100.00 54.32 30.18 30.18

Page 39 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 664 744 929 605 688 381 213 189 79 32 29 57 14 28 10 18 17 2 7 5 4,711

664 1,408 2,337 2,942 3,630 4,011 4,224 4,413 4,492 4,524 4,553 4,610 4,624 4,652 4,662 4,680 4,697 4,699 4,706 4,711

14.09 14.09 15.79 29.89 19.72 49.61 12.84 62.45 14.60 77.05 8.09 85.14 4.52 89.66 4.01 93.67 1.68 95.35 0.68 96.03 0.62 96.65 1.21 97.86 0.30 98.15 0.59 98.75 0.21 98.96 0.38 99.34 0.36 99.70 0.04 99.75 0.15 99.89 0.11 100.00

236.67 146.21 332.14 407.03 901.42 727.05 579.88 628.17 312.67 158.96 148.57 217.11 126.53 292.53 69.50 157.82 236.40 20.18 24.97 156.02 5,879.82

236.67 382.88 715.02 1,122.05 2,023.47 2,750.52 3,330.40 3,958.56 4,271.24 4,430.19 4,578.76 4,795.87 4,922.40 5,214.93 5,284.43 5,442.25 5,678.65 5,698.83 5,723.80 5,879.82

4.03 4.03 2.49 6.51 5.65 12.16 6.92 19.08 15.33 34.41 12.37 46.78 9.86 56.64 10.68 67.32 5.32 72.64 2.70 75.35 2.53 77.87 3.69 81.56 2.15 83.72 4.98 88.69 1.18 89.87 2.68 92.56 4.02 96.58 0.34 96.92 0.42 97.35 2.65 100.00

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 6 20

2 8 8 11 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14 20

10.00 10.00 30.00 40.00 0.00 40.00 15.00 55.00 15.00 70.00 0.00 70.00 0.00 70.00 0.00 70.00 0.00 70.00 0.00 70.00 0.00 70.00 0.00 70.00 0.00 70.00 0.00 70.00 0.00 70.00 0.00 70.00 0.00 70.00 0.00 70.00 0.00 70.00 30.00 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP 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 3,100.59 3,467.01

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 3,467.01

0.02 0.02 4.26 4.28 0.00 4.28 3.70 7.97 2.60 10.57 0.00 10.57 0.00 10.57 0.00 10.57 0.00 10.57 0.00 10.57 0.00 10.57 0.00 10.57 0.00 10.57 0.00 10.57 0.00 10.57 0.00 10.57 0.00 10.57 0.00 10.57 0.00 10.57 89.43 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.25 101.02 0.00 31.47 9.98 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 1,987.33

0.25 38.73 20.74 24.63 18.11 13.32 11.00 9.26 8.58 8.27 8.00 7.64 7.44 7.03 6.93 6.73 6.45 6.43 6.40 58.96

58.96

Page 40 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,636 3,275 3,808 2,635 3,318 1,955 1,861 1,569 1,037 617 421 628 326 433 282 380 355 116 140 106 27,898

4,636 7,911 11,719 14,354 17,672 19,627 21,488 23,057 24,094 24,711 25,132 25,760 26,086 26,519 26,801 27,181 27,536 27,652 27,792 27,898

16.62 16.62 11.74 28.36 13.65 42.01 9.45 51.45 11.89 63.35 7.01 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 93.50 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

2,261.43 555.67 1,113.29 1,426.00 2,644.23 2,527.73 5,416.88 3,556.80 2,887.54 2,028.64 1,673.35 2,840.25 1,856.52 3,053.28 2,186.94 3,835.10 3,210.40 1,187.71 2,218.14 3,275.33 49,755.25

2,261.43 2,817.11 3,930.40 5,356.40 8,000.64 10,528.36 15,945.24 19,502.04 22,389.58 24,418.22 26,091.57 28,931.81 30,788.33 33,841.61 36,028.55 39,863.66 43,074.06 44,261.78 46,479.91 49,755.25

4.55 4.55 1.12 5.66 2.24 7.90 2.87 10.77 5.31 16.08 5.08 21.16 10.89 32.05 7.15 39.20 5.80 45.00 4.08 49.08 3.36 52.44 5.71 58.15 3.73 61.88 6.14 68.02 4.40 72.41 7.71 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. 63 4 4 6 18 8 24 22 22 10 9 17 12 15 6 26 32 12 40 9 359

63 67 71 77 95 103 127 149 171 181 190 207 219 234 240 266 298 310 350 359

17.55 17.55 1.11 18.66 1.11 19.78 1.67 21.45 5.01 26.46 2.23 28.69 6.69 35.38 6.13 41.50 6.13 47.63 2.79 50.42 2.51 52.92 4.74 57.66 3.34 61.00 4.18 65.18 1.67 66.85 7.24 74.09 8.91 83.01 3.34 86.35 11.14 97.49 2.51 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 3,252.02 6.56 41.75 169.47 212.82 42.40 1,340.53 877.00 65.47 113.68 38.71 121.62 2,346.10 688.25 440.86 880.08 324.45 147.06 3,302.25 1,153.46 15,564.51

3,252.02 3,258.57 3,300.33 3,469.79 3,682.61 3,725.00 5,065.53 5,942.53 6,008.01 6,121.69 6,160.40 6,282.02 8,628.12 9,316.37 9,757.23 10,637.30 10,961.75 11,108.81 14,411.06 15,564.51

20.89 20.89 143.80 143.80 0.04 20.94 1.18 115.67 0.27 21.20 3.75 83.97 1.09 22.29 11.88 64.78 1.37 23.66 8.05 46.03 0.27 23.93 1.68 35.38 8.61 32.55 24.75 31.77 5.63 38.18 24.66 30.47 0.42 38.60 2.27 26.83 0.73 39.33 5.60 25.07 0.25 39.58 2.31 23.61 0.78 40.36 4.28 21.71 15.07 55.43 126.37 28.02 4.42 59.86 22.54 27.53 2.83 62.69 20.16 27.08 5.65 68.34 22.95 26.68 2.08 70.43 10.11 25.45 0.94 71.37 12.38 25.10 21.22 92.59 148.87 31.00 7.41 100.00 35.22 31.28 31.28

Page 41 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,742 1,432 1,633 838 867 424 340 258 101 108 55 73 65 58 19 50 38 16 13 1 8,131

1,742 3,174 4,807 5,645 6,512 6,936 7,276 7,534 7,635 7,743 7,798 7,871 7,936 7,994 8,013 8,063 8,101 8,117 8,130 8,131

21.42 21.42 17.61 39.04 20.08 59.12 10.31 69.43 10.66 80.09 5.21 85.30 4.18 89.48 3.17 92.66 1.24 93.90 1.33 95.23 0.68 95.90 0.90 96.80 0.80 97.60 0.71 98.32 0.23 98.55 0.61 99.16 0.47 99.63 0.20 99.83 0.16 99.99 0.01 100.00

311.86 279.55 721.77 653.50 923.07 709.53 561.04 693.53 408.00 381.99 268.76 415.07 332.51 493.05 120.56 1,041.38 389.36 114.08 90.51 184.41 9,093.53

311.86 591.41 1,313.18 1,966.68 2,889.75 3,599.29 4,160.32 4,853.85 5,261.86 5,643.85 5,912.60 6,327.67 6,660.18 7,153.23 7,273.79 8,315.17 8,704.53 8,818.61 8,909.12 9,093.53

3.43 3.43 3.07 6.50 7.94 14.44 7.19 21.63 10.15 31.78 7.80 39.58 6.17 45.75 7.63 53.38 4.49 57.86 4.20 62.06 2.96 65.02 4.56 69.58 3.66 73.24 5.42 78.66 1.33 79.99 11.45 91.44 4.28 95.72 1.25 96.98 1.00 97.97 2.03 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 3 4 2 4 2 13 0 0 2 6 2 0 172 8 11 6 0 237

2 2 2 5 9 11 15 17 30 30 30 32 38 40 40 212 220 231 237 237

0.84 0.84 0.00 0.84 0.00 0.84 1.27 2.11 1.69 3.80 0.84 4.64 1.69 6.33 0.84 7.17 5.49 12.66 0.00 12.66 0.00 12.66 0.84 13.50 2.53 16.03 0.84 16.88 0.00 16.88 72.57 89.45 3.38 92.83 4.64 97.47 2.53 100.00 0.00 100.00

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 14.41 1.76 5.78 290.61 0.00 0.00 2.51 664.06 37.58 0.00 454.30 1,091.07 941.77 86.82 0.00 3,639.06

5.67 5.67 5.67 26.86 48.38 62.79 64.56 70.34 360.95 360.95 360.95 363.46 1,027.52 1,065.10 1,065.10 1,519.40 2,610.47 3,552.24 3,639.06 3,639.06

0.16 0.16 1.82 0.00 0.16 0.00 0.00 0.16 0.00 0.58 0.74 3.24 0.59 1.33 2.33 0.40 1.73 2.03 0.05 1.77 0.31 0.16 1.93 0.83 7.99 9.92 71.23 0.00 9.92 0.00 0.00 9.92 0.00 0.07 9.99 0.60 18.25 28.24 199.71 1.03 29.27 7.62 0.00 29.27 0.00 12.48 41.75 43.62 29.98 71.73 280.22 25.88 97.61 825.52 2.39 100.00 95.93 0.00 100.00 0.00

1.82 0.96 0.43 1.37 1.67 1.74 1.55 1.45 6.86 6.40 6.10 5.74 15.43 14.89 14.64 18.27 29.99 40.28 40.85 40.02

40.02

Page 42 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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

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 43 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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 2 0 0 0 0 4 0 0 0 0 0 0 0 2 8 0 0 0 0 18

2 4 4 4 4 4 8 8 8 8 8 8 8 8 10 18 18 18 18 18

11.11 11.11 0.00 0.00 0.00 0.00 22.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11.11 44.44 0.00 0.00 0.00 0.00

11.11 22.22 22.22 22.22 22.22 22.22 44.44 44.44 44.44 44.44 44.44 44.44 44.44 44.44 55.56 100.00 100.00 100.00 100.00 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

40.53 43.07 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 51,281.09 0.00 0.00 0.00 0.00

24.14 64.45 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 12,026.88 0.00 0.00 0.00 0.00

53,226.88

40.53 83.59 83.59 83.59 83.59 83.59 193.52 193.52 193.52 193.52 193.52 193.52 193.52 193.52 1,945.79 53,226.88 53,226.88 53,226.88 53,226.88 53,226.88

0.08 0.08 0.00 0.00 0.00 0.00 0.21 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.29 96.34 0.00 0.00 0.00 0.00

0.08 0.16 0.16 0.16 0.16 0.16 0.36 0.36 0.36 0.36 0.36 0.36 0.36 0.36 3.66 100.00 100.00 100.00 100.00 100.00

24.14 35.61 21.26 14.45 8.98 6.75 11.83 9.23 7.93 7.41 7.04 6.55 6.15 5.68 55.80 1,360.09 1,302.87 1,248.44 1,207.55 1,207.55

1,207.55

Page 44 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 816 789 1,134 842 1,017 584 448 361 206 146 77 101 57 87 39 60 39 8 19 0 6,830

816 1,605 2,739 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 16.60 40.10 12.33 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

191.03 252.23 537.94 669.22 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 15,560.73

191.03 443.27 981.21 1,650.43 3,167.12 4,481.89 5,860.21 7,482.63 8,700.35 9,735.34 10,383.04 11,193.19 11,726.48 12,596.89 13,112.89 13,862.98 14,418.59 14,675.97 15,560.73 15,560.73

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 8 2 4 5 0 5 5 3 5 1 6 0 0 0 0 10 20 49 0 123

0 8 10 14 19 19 24 29 32 37 38 44 44 44 44 44 54 74 123 123

0.00 0.00 6.50 6.50 1.63 8.13 3.25 11.38 4.07 15.45 0.00 15.45 4.07 19.51 4.07 23.58 2.44 26.02 4.07 30.08 0.81 30.89 4.88 35.77 0.00 35.77 0.00 35.77 0.00 35.77 0.00 35.77 8.13 43.90 16.26 60.16 39.84 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 0.00 169.79 64.58 694.80 684.52 0.00 644.78 243.08 1,064.01 63.92 110.37 48.85 0.00 0.00 0.00 0.00 19.97 54.10 110.76 0.00 3,973.54

0.00 169.79 234.38 929.17 1,613.70 1,613.70 2,258.48 2,501.56 3,565.56 3,629.48 3,739.85 3,788.70 3,788.70 3,788.70 3,788.70 3,788.70 3,808.67 3,862.78 3,973.54 3,973.54

0.00 0.00 0.00 4.27 4.27 67.32 1.63 5.90 12.01 17.49 23.38 103.82 17.23 40.61 45.13 0.00 40.61 0.00 16.23 56.84 46.78 6.12 62.96 14.98 26.78 89.73 87.38 1.61 91.34 6.18 2.78 94.12 17.04 1.23 95.35 6.03 0.00 95.35 0.00 0.00 95.35 0.00 0.00 95.35 0.00 0.00 95.35 0.00 0.50 95.85 3.59 1.36 97.21 21.02 2.79 100.00 12.52 0.00 100.00 0.00

0.00 38.30 23.89 56.30 50.95 36.00 38.54 33.43 40.98 37.28 36.02 33.85 32.31 30.08 28.89 27.33 26.42 26.32 25.54 25.54

25.54

Page 45 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4

0 0 0 0 2 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4

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 50.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

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 53.60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 236.67

0.00 0.00 0.00 0.00 183.07 236.67 236.67 236.67 236.67 236.67 236.67 236.67 236.67 236.67 236.67 236.67 236.67 236.67 236.67 236.67

0.00 0.00 0.00 0.00 77.35 22.65 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 77.35 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 77.79 23.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 33.01 30.13 22.19 15.14 12.16 11.00 10.39 9.58 8.74 8.02 7.87 7.69 7.67 7.36 7.30 7.30

7.30

Page 46 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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

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 47 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 7,670 6,304 9,647 6,576 7,549 3,672 2,546 2,163 1,265 756 676 867 615 845 645 1,052 1,080 546 724 218 55,416

7,670 13,974 23,621 30,197 37,746 41,418 43,964 46,127 47,392 48,148 48,824 49,691 50,306 51,151 51,796 52,848 53,928 54,474 55,198 55,416

13.84 13.84 11.38 25.22 17.41 42.62 11.87 54.49 13.62 68.11 6.63 74.74 4.59 79.33 3.90 83.24 2.28 85.52 1.36 86.88 1.22 88.10 1.56 89.67 1.11 90.78 1.52 92.30 1.16 93.47 1.90 95.37 1.95 97.31 0.99 98.30 1.31 99.61 0.39 100.00

8,803.03 8,803.03 1,242.32 10,045.35 2,792.96 12,838.30 2,771.67 15,609.98 5,267.90 20,877.87 4,020.32 24,898.19 3,772.51 28,670.71 4,336.74 33,007.45 3,650.10 36,657.54 2,843.71 39,501.25 2,999.40 42,500.65 4,221.66 46,722.31 3,614.87 50,337.19 6,428.81 56,765.99 5,819.22 62,585.21 13,020.21 75,605.43 14,040.70 89,646.13 5,904.05 95,550.17 7,392.96 102,943.13 1,110.29 104,053.42 104,053.42

8.46 8.46 1.19 9.65 2.68 12.34 2.66 15.00 5.06 20.06 3.86 23.93 3.63 27.55 4.17 31.72 3.51 35.23 2.73 37.96 2.88 40.85 4.06 44.90 3.47 48.38 6.18 54.55 5.59 60.15 12.51 72.66 13.49 86.15 5.67 91.83 7.10 98.93 1.07 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

205 10 30 25 34 13 34 30 20 19 22 18 12 19 26 44 112 98 119 74

19,667.96 19,667.96 482.07 20,150.03 382.55 20,532.58 338.18 20,870.75 545.10 21,415.85 1,127.12 22,542.97 404.08 22,947.05 1,625.53 24,572.58 3,033.20 27,605.78 152.69 27,758.47 616.93 28,375.40 3,662.87 32,038.26 4,339.72 36,377.98 4,005.84 40,383.82 801.75 41,185.58 1,819.44 43,005.02 12,906.67 55,911.69 38,111.77 94,023.45 15,888.82 109,912.28 38,651.19 148,563.46

223.42 38.80 13.70 12.20 10.35 28.04 10.71 37.48 83.10 5.37 20.57 86.76 120.05 62.31 13.78 13.97 91.92 645.52 214.92 3,481.19

964

205 215 245 270 304 317 351 381 401 420 442 460 472 491 517 561 673 771 890 964

21.27 21.27 1.04 22.30 3.11 25.41 2.59 28.01 3.53 31.54 1.35 32.88 3.53 36.41 3.11 39.52 2.07 41.60 1.97 43.57 2.28 45.85 1.87 47.72 1.24 48.96 1.97 50.93 2.70 53.63 4.56 58.20 11.62 69.81 10.17 79.98 12.34 92.32 7.68 100.00

148,563.46

13.24 13.24 0.32 13.56 0.26 13.82 0.23 14.05 0.37 14.42 0.76 15.17 0.27 15.45 1.09 16.54 2.04 18.58 0.10 18.68 0.42 19.10 2.47 21.57 2.92 24.49 2.70 27.18 0.54 27.72 1.22 28.95 8.69 37.63 25.65 63.29 10.69 73.98 26.02 100.00

223.42 200.59 159.93 133.70 102.58 90.54 80.04 74.45 75.31 70.27 66.76 68.57 72.27 71.14 65.81 56.88 62.37 98.40 106.77 142.78

142.78

Page 48 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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. 3 0 0 0 0 0 3 0 0 0 3 0 0 2 0 0 3 0 3 0 17

3 3 3 3 3 3 6 6 6 6 9 9 9 11 11 11 14 14 17 17

17.65 17.65 0.00 17.65 0.00 17.65 0.00 17.65 0.00 17.65 0.00 17.65 17.65 35.29 0.00 35.29 0.00 35.29 0.00 35.29 17.65 52.94 0.00 52.94 0.00 52.94 11.76 64.71 0.00 64.71 0.00 64.71 17.65 82.35 0.00 82.35 17.65 100.00 0.00 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 23.94 0.00 0.00 0.00 0.00 0.00 394.80 0.00 0.00 0.00 10.36 0.00 0.00 7.75 0.00 0.00 856.52 0.00 67.82 0.00 1,361.19

23.94 23.94 23.94 23.94 23.94 23.94 418.74 418.74 418.74 418.74 429.10 429.10 429.10 436.84 436.84 436.84 1,293.37 1,293.37 1,361.19 1,361.19

1.76 1.76 5.83 0.00 1.76 0.00 0.00 1.76 0.00 0.00 1.76 0.00 0.00 1.76 0.00 0.00 1.76 0.00 29.00 30.76 102.02 0.00 30.76 0.00 0.00 30.76 0.00 0.00 30.76 0.00 0.76 31.52 7.89 0.00 31.52 0.00 0.00 31.52 0.00 0.57 32.09 3.09 0.00 32.09 0.00 0.00 32.09 0.00 62.92 95.02 295.50 0.00 95.02 0.00 4.98 100.00 21.19 0.00 100.00 0.00

5.83 4.80 3.42 2.59 1.80 1.39 19.91 16.82 14.89 14.24 13.97 13.12 12.37 11.74 11.45 10.93 30.18 29.69 29.11 28.82

28.82

Page 49 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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 7 0 0 0 0 2 0 0 0 5 0 0 0 0 0 20

0 0 4 6 6 13 13 13 13 13 15 15 15 15 20 20 20 20 20 20

0.00 0.00 20.00 10.00 0.00 35.00 0.00 0.00 0.00 0.00 10.00 0.00 0.00 0.00 25.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 20.00 30.00 30.00 65.00 65.00 65.00 65.00 65.00 75.00 75.00 75.00 75.00 100.00 100.00 100.00 100.00 100.00 100.00

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 30.94 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 0.00 296.65

0.00 0.00 93.75 108.60 108.60 139.54 139.54 139.54 139.54 139.54 223.61 223.61 223.61 223.61 296.65 296.65 296.65 296.65 296.65 296.65

0.00 0.00 31.60 5.01 0.00 10.43 0.00 0.00 0.00 0.00 28.34 0.00 0.00 0.00 24.62 0.00 0.00 0.00 0.00 0.00

0.00 0.00 31.60 36.61 36.61 47.04 47.04 47.04 47.04 47.04 75.38 75.38 75.38 75.38 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 45.92 6.45 0.00 7.90 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 10.36 8.40 6.70 5.86 5.49 8.14 7.52 7.08 6.48 8.25 7.86 7.56 7.53 7.53 7.53

7.53

Page 50 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 : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,980 2,498 3,903 2,629 2,725 1,197 739 573 288 161 144 155 97 126 120 160 144 64 111 37 17,851

1,980 4,478 8,381 11,010 13,735 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 25.09 21.86 46.95 14.73 61.68 15.27 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

1,637.54 463.57 1,068.70 1,551.27 3,200.07 1,930.17 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 32,494.77

1,637.54 2,101.11 3,169.82 4,721.09 7,921.15 9,851.32 11,381.33 12,994.30 14,164.37 15,399.25 17,652.16 18,490.94 19,348.19 20,471.40 21,491.32 23,419.02 25,780.55 27,063.61 31,148.17 32,494.77

5.04 5.04 1.43 6.47 3.29 9.75 4.77 14.53 9.85 24.38 5.94 30.32 4.71 35.03 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. 16 5 2 0 3 2 4 0 0 0 0 8 0 10 10 13 8 9 39 12 141

16 21 23 23 26 28 32 32 32 32 32 40 40 50 60 73 81 90 129 141

11.35 11.35 3.55 14.89 1.42 16.31 0.00 16.31 2.13 18.44 1.42 19.86 2.84 22.70 0.00 22.70 0.00 22.70 0.00 22.70 0.00 22.70 5.67 28.37 0.00 28.37 7.09 35.46 7.09 42.55 9.22 51.77 5.67 57.45 6.38 63.83 27.66 91.49 8.51 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

462.03 137.50 0.00 0.00 122.40 13.00 200.15 0.00 0.00 0.00 0.00 9.62 0.00 74.80 32.07 974.88 83.41 225.69 54,194.11 849.39

28.21 29.66 0.00 0.00 3.82 0.67 13.08 0.00 0.00 0.00 0.00 1.15 0.00 6.66 3.14 50.57 3.53 17.59 1,326.80 63.08

57,379.07

462.03 599.53 599.53 599.53 721.93 734.93 935.08 935.08 935.08 935.08 935.08 944.70 944.70 1,019.50 1,051.58 2,026.46 2,109.87 2,335.57 56,529.67 57,379.07

0.81 0.81 0.24 1.04 0.00 1.04 0.00 1.04 0.21 1.26 0.02 1.28 0.35 1.63 0.00 1.63 0.00 1.63 0.00 1.63 0.00 1.63 0.02 1.65 0.00 1.65 0.13 1.78 0.06 1.83 1.70 3.53 0.15 3.68 0.39 4.07 94.45 98.52 1.48 100.00

28.21 28.53 18.91 12.70 9.11 7.46 8.22 7.20 6.60 6.07 5.30 5.11 4.88 4.98 4.89 8.65 8.18 8.63 181.49 176.58

176.58

Page 51 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

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. 173,838 149,801 219,134 142,357 168,105 93,238 72,757 56,604 33,085 18,664 15,090 17,966 12,436 16,510 10,506 16,823 15,058 7,245 8,562 3,134 1,250,913

173,838 323,639 542,773 685,130 853,235 946,473 1,019,230 1,075,834 1,108,919 1,127,583 1,142,673 1,160,639 1,173,075 1,189,585 1,200,091 1,216,914 1,231,972 1,239,217 1,247,779 1,250,913

13.90 13.90 11.98 25.87 17.52 43.39 11.38 54.77 13.44 68.21 7.45 75.66 5.82 81.48 4.53 86.00 2.64 88.65 1.49 90.14 1.21 91.35 1.44 92.78 0.99 93.78 1.32 95.10 0.84 95.94 1.34 97.28 1.20 98.49 0.58 99.07 0.68 99.75 0.25 100.00

113,112.57 31,432.29 75,364.07 72,227.57 140,767.02 111,905.58 117,515.66 123,759.20 96,783.50 66,885.51 60,722.52 84,328.47 68,064.61 109,757.93 88,586.41 193,029.03 201,107.32 102,638.00 141,742.04 54,445.67 2,054,174.97

113,112.57 144,544.86 219,908.93 292,136.50 432,903.52 544,809.10 662,324.76 786,083.96 882,867.46 949,752.97 1,010,475.49 1,094,803.97 1,162,868.58 1,272,626.51 1,361,212.92 1,554,241.95 1,755,349.27 1,857,987.26 1,999,729.30 2,054,174.98

5.51 5.51 1.53 7.04 3.67 10.71 3.52 14.22 6.85 21.07 5.45 26.52 5.72 32.24 6.02 38.27 4.71 42.98 3.26 46.24 2.96 49.19 4.11 53.30 3.31 56.61 5.34 61.95 4.31 66.27 9.40 75.66 9.79 85.45 5.00 90.45 6.90 97.35 2.65 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2370 349 614 443 665 497 420 472 421 229 289 309 243 537 481 1143 1057 907 1796 910 14,152

2,370 2,719 3,333 3,776 4,441 4,938 5,358 5,830 6,251 6,480 6,769 7,078 7,321 7,858 8,339 9,482 10,539 11,446 13,242 14,152

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

16.75 16.75 1,224,969.63 1,224,969.63 2.47 19.21 7,632.24 1,232,601.87 4.34 23.55 32,494.95 1,265,096.82 3.13 26.68 13,505.91 1,278,602.72 4.70 31.38 29,638.17 1,308,240.90 3.51 34.89 22,936.92 1,331,177.81 2.97 37.86 33,110.29 1,364,288.10 3.34 41.20 25,728.38 1,390,016.49 2.97 44.17 28,593.41 1,418,609.90 1.62 45.79 25,954.20 1,444,564.10 2.04 47.83 24,992.13 1,469,556.24 2.18 50.01 20,674.65 1,490,230.89 1.72 51.73 14,089.92 1,504,320.80 3.79 55.53 96,191.63 1,600,512.43 3.40 58.92 51,758.89 1,652,271.32 8.08 67.00 97,589.57 1,749,860.89 7.47 74.47 137,188.60 1,887,049.49 6.41 80.88 172,190.89 2,059,240.38 12.69 93.57 552,956.54 2,612,196.92 6.43 100.00 273,198.40 2,885,395.32 2,885,395.32

42.45 42.45 0.26 42.72 1.13 43.84 0.47 44.31 1.03 45.34 0.79 46.14 1.15 47.28 0.89 48.17 0.99 49.17 0.90 50.06 0.87 50.93 0.72 51.65 0.49 52.14 3.33 55.47 1.79 57.26 3.38 60.65 4.75 65.40 5.97 71.37 19.16 90.53 9.47 100.00

01/01/2010 15/12/2012 15/03/2013 LOSS RATIO PERCENTAGE BAND CUM. 1,082,97 24.28 43.12 18.70 21.05 20.50 28.18 20.79 29.54 38.80 41.16 24.52 20.70 87.64 58.43 50.56 68.22 167.77 390.11 501.78

1,082,97 852.75 575.28 437.67 302.20 244.34 205.98 176.83 160.68 152.10 145.43 136.12 129.36 125.76 121.38 112.59 107.50 110.83 130.63 140.46

140.46

Page 52 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 131,749 134,095 190,955 123,618 138,166 69,567 46,691 35,090 19,009 9,719 7,476 8,167 5,293 6,415 3,607 5,151 4,137 1,823 2,006 1,022 943,756

131,749 265,844 456,799 580,417 718,583 788,150 834,841 869,931 888,940 898,659 906,135 914,302 919,595 926,010 929,617 934,768 938,905 940,728 942,734 943,756

13.96 13.96 14.21 28.17 20.23 48.40 13.10 61.50 14.64 76.14 7.37 83.51 4.95 88.46 3.72 92.18 2.01 94.19 1.03 95.22 0.79 96.01 0.87 96.88 0.56 97.44 0.68 98.12 0.38 98.50 0.55 99.05 0.44 99.49 0.19 99.68 0.21 99.89 0.11 100.00

60,737.65 27,296.15 66,872.68 68,484.81 120,104.34 90,838.50 87,235.86 88,571.39 64,695.69 41,567.10 36,440.07 47,242.10 35,962.91 53,862.38 38,420.30 73,622.06 56,176.74 22,567.77 16,590.62 7,534.14 1,104,823.27

60,737.65 88,033.80 154,906.48 223,391.30 343,495.63 434,334.13 521,569.99 610,141.39 674,837.08 716,404.17 752,844.25 800,086.35 836,049.26 889,911.64 928,331.94 1,001,953.99 1,058,130.73 1,080,698.50 1,097,289.12 1,104,823.27

5.50 5.50 2.47 7.97 6.05 14.02 6.20 20.22 10.87 31.09 8.22 39.31 7.90 47.21 8.02 55.23 5.86 61.08 3.76 64.84 3.30 68.14 4.28 72.42 3.26 75.67 4.88 80.55 3.48 84.03 6.66 90.69 5.08 95.77 2.04 97.82 1.50 99.32 0.68 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 698 255 410 263 365 233 145 176 134 83 83 109 85 145 165 500 242 235 321 217 4,864

698 953 1,363 1,626 1,991 2,224 2,369 2,545 2,679 2,762 2,845 2,954 3,039 3,184 3,349 3,849 4,091 4,326 4,647 4,864

14.35 14.35 5.24 19.59 8.43 28.02 5.41 33.43 7.50 40.93 4.79 45.72 2.98 48.70 3.62 52.32 2.75 55.08 1.71 56.78 1.71 58.49 2.24 60.73 1.75 62.48 2.98 65.46 3.39 68.85 10.28 79.13 4.98 84.11 4.83 88.94 6.60 95.54 4.46 100.00

479,086.45 5,882.83 16,126.96 10,693.34 19,960.08 15,465.95 16,787.99 11,089.95 16,595.67 13,976.56 10,942.24 11,575.73 11,244.25 21,088.56 13,967.49 34,816.26 30,314.54 33,386.49 61,952.89 18,913.77 853,867.99

479,086.45 484,969.27 501,096.23 511,789.57 531,749.65 547,215.60 564,003.59 575,093.54 591,689.21 605,665.77 616,608.01 628,183.74 639,428.00 660,516.56 674,484.05 709,300.31 739,614.85 773,001.33 834,954.22 853,867.99

56.11 56.11 0.69 56.80 1.89 58.69 1.25 59.94 2.34 62.28 1.81 64.09 1.97 66.05 1.30 67.35 1.94 69.30 1.64 70.93 1.28 72.21 1.36 73.57 1.32 74.89 2.47 77.36 1.64 78.99 4.08 83.07 3.55 86.62 3.91 90.53 7.26 97.78 2.22 100.00

788.78 21.55 24.12 15.61 16.62 17.03 19.24 12.52 25.65 33.62 30.03 24.50 31.27 39.15 36.35 47.29 53.96 147.94 373.42 251.04

788.78 550.89 323.48 229.10 154.81 125.99 108.14 94.26 87.68 84.54 81.90 78.51 76.48 74.22 72.66 70.79 69.90 71.53 76.09 77.29

77.29

Page 53 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. 24,128 8,620 14,455 10,597 17,996 14,586 15,996 13,740 8,867 5,624 4,771 5,962 4,176 5,962 3,904 6,662 6,030 3,044 3,619 1,131 179,870

24,128 32,748 47,203 57,800 75,796 90,382 106,378 120,118 128,985 134,609 139,380 145,342 149,518 155,480 159,384 166,046 172,076 175,120 178,739 179,870

13.41 13.41 4.79 18.21 8.04 26.24 5.89 32.13 10.01 42.14 8.11 50.25 8.89 59.14 7.64 66.78 4.93 71.71 3.13 74.84 2.65 77.49 3.31 80.80 2.32 83.13 3.31 86.44 2.17 88.61 3.70 92.31 3.35 95.67 1.69 97.36 2.01 99.37 0.63 100.00

27,123.93 2,429.16 4,596.97 (186,02) 12,794.62 12,844.46 18,388.52 22,692.95 20,717.14 16,363.87 15,707.27 23,271.89 19,505.61 33,235.04 29,674.11 65,014.66 74,093.95 39,304.65 49,302.45 30,544.89 517,420.12

27,123.93 29,553.10 34,150.06 33,964.05 46,758.66 59,603.13 77,991.64 100,684.59 121,401.72 137,765.60 153,472.86 176,744.76 196,250.36 229,485.40 259,159.51 324,174.18 398,268.13 437,572.78 486,875.23 517,420.12

5.24 5.24 0.47 5.71 0.89 6.60 (0,04) 6.56 2.47 9.04 2.48 11.52 3.55 15.07 4.39 19.46 4.00 23.46 3.16 26.63 3.04 29.66 4.50 34.16 3.77 37.93 6.42 44.35 5.74 50.09 12.57 62.65 14.32 76.97 7.60 84.57 9.53 94.10 5.90 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,672 91 204 176 291 258 273 292 282 146 195 197 153 392 316 637 811 665 1,473 687 9,211

1,672 1,763 1,967 2,143 2,434 2,692 2,965 3,257 3,539 3,685 3,880 4,077 4,230 4,622 4,938 5,575 6,386 7,051 8,524 9,211

18.15 18.15 0.99 19.14 2.21 21.35 1.91 23.27 3.16 26.42 2.80 29.23 2.96 32.19 3.17 35.36 3.06 38.42 1.59 40.01 2.12 42.12 2.14 44.26 1.66 45.92 4.26 50.18 3.43 53.61 6.92 60.53 8.80 69.33 7.22 76.55 15.99 92.54 7.46 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 745,883.19 1,735.69 16,367.99 2,791.32 9,607.14 7,239.38 16,287.29 14,602.79 11,953.45 11,977.64 13,528.81 8,976.61 2,649.83 75,103.07 37,791.40 62,760.60 106,724.45 137,696.56 491,002.47 254,251.75 2,028,931.39

745,883.19 747,618.88 763,986.87 766,778.19 776,385.32 783,624.70 799,911.99 814,514.78 826,468.23 838,445.87 851,974.68 860,951.28 863,601.11 938,704.18 976,495.58 1,039,256.17 1,145,980.62 1,283,677.17 1,774,679.64 2,028,931.39

36.76 36.76 0.09 36.85 0.81 37.65 0.14 37.79 0.47 38.27 0.36 38.62 0.80 39.43 0.72 40.15 0.59 40.73 0.59 41.32 0.67 41.99 0.44 42.43 0.13 42.56 3.70 46.27 1.86 48.13 3.09 51.22 5.26 56.48 6.79 63.27 24.20 87.47 12.53 100.00

: : :

01/01/2010 15/12/2012 15/03/2013 LOSS RATIO PERCENTAGE BAND CUM. 2,749,91 71.45 356.06 (1,500,55) 75.09 56.36 88.57 64.35 57.70 73.20 86.13 38.57 13.58 225.98 127.35 96.53 144.04 350.33 995.90 832.39

2,749,91 2,529,75 2,237,15 2,257,62 1,640,41 1,314,74 1,025,64 808.98 680.77 608.60 555.13 487.12 440.05 409.05 376.79 320.59 287.74 293.36 364.50 392.12

392.12

Page 54 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3 1 3 1 5 4 4 4 2 2 3 4 4 9 9 22 26 10 18 10 144

3 4 7 8 13 17 21 25 27 29 32 36 40 49 58 80 106 116 134 144

2.08 2.08 0.69 2.78 2.08 4.86 0.69 5.56 3.47 9.03 2.78 11.81 2.78 14.58 2.78 17.36 1.39 18.75 1.39 20.14 2.08 22.22 2.78 25.00 2.78 27.78 6.25 34.03 6.25 40.28 15.28 55.56 18.06 73.61 6.94 80.56 12.50 93.06 6.94 100.00

2.02 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 59.87 61.26 62.34 15.63 94.14 17.19 373.97

2.02 2.03 2.60 3.02 5.14 8.34 13.41 18.18 24.18 24.21 30.12 36.09 45.16 63.55 123.41 184.67 247.01 262.64 356.78 373.97

0.54 0.54 0.00 0.54 0.15 0.70 0.11 0.81 0.57 1.37 0.86 2.23 1.36 3.59 1.28 4.86 1.60 6.47 0.01 6.47 1.58 8.05 1.60 9.65 2.42 12.08 4.92 16.99 16.01 33.00 16.38 49.38 16.67 66.05 4.18 70.23 25.17 95.40 4.60 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 4 0 0 0 6

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 6 6 6 6

0.00 0.00 0.00 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 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33.33 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 149.61 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 149.61 100.00 100.00 240.01 149.61 0.00 100.00 0.00 149.61 0.00 100.00 0.00 149.61 0.00 100.00 0.00

149.61

40.01

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 60.57 56.96 41.93 40.01

Page 55 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 17,958 7,085 13,721 8,142 11,937 9,081 10,066 7,770 5,207 3,319 2,840 3,833 2,963 4,124 2,986 4,988 4,865 2,368 2,919 971 127,143

17,958 25,043 38,764 46,906 58,843 67,924 77,990 85,760 90,967 94,286 97,126 100,959 103,922 108,046 111,032 116,020 120,885 123,253 126,172 127,143

14.12 14.12 5.57 19.70 10.79 30.49 6.40 36.89 9.39 46.28 7.14 53.42 7.92 61.34 6.11 67.45 4.10 71.55 2.61 74.16 2.23 76.39 3.01 79.41 2.33 81.74 3.24 84.98 2.35 87.33 3.92 91.25 3.83 95.08 1.86 96.94 2.30 99.24 0.76 100.00

25,248.97 1,706.97 3,893.84 3,928.78 7,865.53 8,219.42 11,886.21 12,490.09 11,364.67 8,954.52 8,569.26 13,808.50 12,587.03 22,642.14 20,432.13 54,331.04 70,774.29 40,749.94 75,754.83 16,349.45 431,557.62

25,248.97 26,955.94 30,849.78 34,778.55 42,644.08 50,863.51 62,749.71 75,239.80 86,604.48 95,559.00 104,128.26 117,936.76 130,523.79 153,165.93 173,598.06 227,929.10 298,703.39 339,453.34 415,208.17 431,557.62

5.85 5.85 0.40 6.25 0.90 7.15 0.91 8.06 1.82 9.88 1.90 11.79 2.75 14.54 2.89 17.43 2.63 20.07 2.07 22.14 1.99 24.13 3.20 27.33 2.92 30.24 5.25 35.49 4.73 40.23 12.59 52.82 16.40 69.22 9.44 78.66 17.55 96.21 3.79 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 3 0 4 9 6 2 4 5 0 11 3 5 0 0 4 0 7 2 6 71

0 3 3 7 16 22 24 28 33 33 44 47 52 52 52 56 56 63 65 71

0.00 0.00 4.23 4.23 0.00 4.23 5.63 9.86 12.68 22.54 8.45 30.99 2.82 33.80 5.63 39.44 7.04 46.48 0.00 46.48 15.49 61.97 4.23 66.20 7.04 73.24 0.00 73.24 0.00 73.24 5.63 78.87 0.00 78.87 9.86 88.73 2.82 91.55 8.45 100.00

0.00 13.72 0.00 21.25 70.95 231.59 35.01 35.65 44.30 0.00 521.09 122.31 195.83 0.00 0.00 12.71 0.00 1,107.85 1.19 32.88 2,446.33

0.00 13.72 13.72 34.97 105.92 337.51 372.52 408.17 452.46 452.46 973.55 1,095.86 1,291.69 1,291.69 1,291.69 1,304.41 1,304.41 2,412.26 2,413.45 2,446.33

0.00 0.00 0.56 0.56 0.00 0.56 0.87 1.43 2.90 4.33 9.47 13.80 1.43 15.23 1.46 16.68 1.81 18.50 0.00 18.50 21.30 39.80 5.00 44.80 8.01 52.80 0.00 52.80 0.00 52.80 0.52 53.32 0.00 53.32 45.29 98.61 0.05 98.66 1.34 100.00

0.00 0.80 0.00 0.54 0.90 2.82 0.29 0.29 0.39 0.00 6.08 0.89 1.56 0.00 0.00 0.02 0.00 2.72 0.00 0.20

0.00 0.05 0.04 0.10 0.25 0.66 0.59 0.54 0.52 0.47 0.93 0.93 0.99 0.84 0.74 0.57 0.44 0.71 0.58 0.57

0.57

Page 56 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 20

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

BAND

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

25 75 150 250 400 625 875 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. 155 38 72 65 131 93 54 141 69 84 64 94 65 108 70 155 212 163 227 148 2,208

155 193 265 330 461 554 608 749 818 902 966 1,060 1,125 1,233 1,303 1,458 1,670 1,833 2,060 2,208

7.02 7.02 1.72 8.74 3.26 12.00 2.94 14.95 5.93 20.88 4.21 25.09 2.45 27.54 6.39 33.92 3.13 37.05 3.80 40.85 2.90 43.75 4.26 48.01 2.94 50.95 4.89 55.84 3.17 59.01 7.02 66.03 9.60 75.63 7.38 83.02 10.28 93.30 6.70 100.00

1,303.12 6.93 32.63 59.99 100.35 88.86 151.13 307.52 154.43 257.84 161.15 326.76 318.13 553.72 482.33 1,486.92 3,174.09 1,786.61 2,579.17 (4,693,37) 8,638.28

1,303.12 15.09 1,310.05 0.08 1,342.68 0.38 1,402.67 0.69 1,503.02 1.16 1,591.87 1.03 1,743.00 1.75 2,050.52 3.56 2,204.95 1.79 2,462.79 2.98 2,623.94 1.87 2,950.70 3.78 3,268.83 3.68 3,822.54 6.41 4,304.87 5.58 5,791.79 17.21 8,965.88 36.74 10,752.49 20.68 13,331.65 29.86 8,638.28 (54,33)

15.09 15.17 15.54 16.24 17.40 18.43 20.18 23.74 25.53 28.51 30.38 34.16 37.84 44.25 49.83 67.05 103.79 124.47 154.33 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 22 0 2 0 0 4 0 2 0 0 0 2 0 0 5 13 50 41 59 61 261

22 22 24 24 24 28 28 30 30 30 30 32 32 32 37 50 100 141 200 261

8.43 8.43 0.00 8.43 0.77 9.20 0.00 9.20 0.00 9.20 1.53 10.73 0.00 10.73 0.77 11.49 0.00 11.49 0.00 11.49 0.00 11.49 0.77 12.26 0.00 12.26 0.00 12.26 1.92 14.18 4.98 19.16 19.16 38.31 15.71 54.02 22.61 76.63 23.37 100.00

9,973.16 0.00 8.05 0.00 0.00 47.16 0.00 32.02 0.00 0.00 0.00 7.26 0.00 0.00 15.51 1,017.54 5,020.68 3,633.18 28,102.03 1,740.33 49,596.92

9,973.16 9,973.16 9,981.21 9,981.21 9,981.21 10,028.37 10,028.37 10,060.39 10,060.39 10,060.39 10,060.39 10,067.65 10,067.65 10,067.65 10,083.16 11,100.70 16,121.38 19,754.55 47,856.59 49,596.92

20.11 20.11 0.00 20.11 0.02 20.12 0.00 20.12 0.00 20.12 0.10 20.22 0.00 20.22 0.06 20.28 0.00 20.28 0.00 20.28 0.00 20.28 0.01 20.30 0.00 20.30 0.00 20.30 0.03 20.33 2.05 22.38 10.12 32.50 7.33 39.83 56.66 96.49 3.51 100.00

LOSS RATIO PERCENTAGE BAND CUM. 765.33 0.00 24.68 0.00 0.00 53.08 0.00 10.41 0.00 0.00 0.00 2.22 0.00 0.00 3.22 68.43 158.18 203.36 1,089,58 (37,08)

765.33 761.28 743.38 711.59 664.08 629.97 575.35 490.63 456.26 408.50 383.41 341.20 307.99 263.38 234.23 191.66 179.81 183.72 358.97 574.15

574.15

Page 57 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 21

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Stone, Earth, (Animal) Bones or Shells (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. 618 91 122 107 181 107 111 198 116 82 87 105 76 133 96 164 246 134 223 77 3,074

618 709 831 938 1,119 1,226 1,337 1,535 1,651 1,733 1,820 1,925 2,001 2,134 2,230 2,394 2,640 2,774 2,997 3,074

20.10 20.10 2.96 23.06 3.97 27.03 3.48 30.51 5.89 36.40 3.48 39.88 3.61 43.49 6.44 49.93 3.77 53.71 2.67 56.38 2.83 59.21 3.42 62.62 2.47 65.09 4.33 69.42 3.12 72.54 5.34 77.88 8.00 85.88 4.36 90.24 7.25 97.50 2.50 100.00

1,011.95 55.52 42.85 61.58 134.53 102.15 153.85 418.28 392.13 270.13 352.20 525.89 445.30 729.94 817.60 1,702.97 3,158.96 1,436.01 3,305.09 2,752.64 17,869.58

1,011.95 1,067.48 1,110.33 1,171.91 1,306.44 1,408.59 1,562.45 1,980.73 2,372.86 2,642.99 2,995.19 3,521.08 3,966.37 4,696.31 5,513.91 7,216.88 10,375.84 11,811.85 15,116.94 17,869.58

5.66 5.66 0.31 5.97 0.24 6.21 0.34 6.56 0.75 7.31 0.57 7.88 0.86 8.74 2.34 11.08 2.19 13.28 1.51 14.79 1.97 16.76 2.94 19.70 2.49 22.20 4.08 26.28 4.58 30.86 9.53 40.39 17.68 58.06 8.04 66.10 18.50 84.60 15.40 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 29 0 0 0 4 2 0 2 0 0 6 6 0 7 4 10 12 31 42 15 170

29 29 29 29 33 35 35 37 37 37 43 49 49 56 60 70 82 113 155 170

17.06 17.06 0.00 17.06 0.00 17.06 0.00 17.06 2.35 19.41 1.18 20.59 0.00 20.59 1.18 21.76 0.00 21.76 0.00 21.76 3.53 25.29 3.53 28.82 0.00 28.82 4.12 32.94 2.35 35.29 5.88 41.18 7.06 48.24 18.24 66.47 24.71 91.18 8.82 100.00

2,463.33 0.00 0.00 0.00 31.82 0.78 0.00 99.66 0.00 0.00 84.77 835.27 0.00 297.69 586.76 2,736.85 370.71 10,724.14 2,628.50 4,733.06 25,593.34

2,463.33 2,463.33 2,463.33 2,463.33 2,495.15 2,495.94 2,495.94 2,595.60 2,595.60 2,595.60 2,680.37 3,515.64 3,515.64 3,813.32 4,400.08 7,136.94 7,507.65 18,231.78 20,860.28 25,593.34

9.62 9.62 0.00 9.62 0.00 9.62 0.00 9.62 0.12 9.75 0.00 9.75 0.00 9.75 0.39 10.14 0.00 10.14 0.00 10.14 0.33 10.47 3.26 13.74 0.00 13.74 1.16 14.90 2.29 17.19 10.69 27.89 1.45 29.33 41.90 71.24 10.27 81.51 18.49 100.00

243.42 0.00 0.00 0.00 23.66 0.77 0.00 23.83 0.00 0.00 24.07 158.83 0.00 40.78 71.77 160.71 11.74 746.80 79.53 171.95

243.42 230.76 221.86 210.20 190.99 177.19 159.75 131.04 109.39 98.21 89.49 99.85 88.64 81.20 79.80 98.89 72.36 154.35 137.99 143.22

143.22

Page 58 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 22

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Metals (Logam)

BAND

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

25 75 150 250 400 625 875 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. 1,756 290 491 388 1,024 624 703 759 560 399 300 492 369 671 449 918 987 463 772 381 12,796

1,756 2,046 2,537 2,925 3,949 4,573 5,276 6,035 6,595 6,994 7,294 7,786 8,155 8,826 9,275 10,193 11,180 11,643 12,415 12,796

13.72 13.72 2.27 15.99 3.84 19.83 3.03 22.86 8.00 30.86 4.88 35.74 5.49 41.23 5.93 47.16 4.38 51.54 3.12 54.66 2.34 57.00 3.84 60.85 2.88 63.73 5.24 68.97 3.51 72.48 7.17 79.66 7.71 87.37 3.62 90.99 6.03 97.02 2.98 100.00

3,982.64 220.19 327.25 295.76 613.12 653.46 974.87 1,414.21 1,488.69 1,210.86 940.25 2,366.56 2,062.91 4,476.20 4,085.25 9,951.25 12,095.33 7,839.48 11,274.41 2,392.85 68,665.54

3,982.64 4,202.84 4,530.08 4,825.85 5,438.97 6,092.43 7,067.29 8,481.51 9,970.20 11,181.06 12,121.31 14,487.87 16,550.78 21,026.98 25,112.23 35,063.48 47,158.81 54,998.29 66,272.70 68,665.54

5.80 5.80 0.32 6.12 0.48 6.60 0.43 7.03 0.89 7.92 0.95 8.87 1.42 10.29 2.06 12.35 2.17 14.52 1.76 16.28 1.37 17.65 3.45 21.10 3.00 24.10 6.52 30.62 5.95 36.57 14.49 51.06 17.61 68.68 11.42 80.10 16.42 96.52 3.48 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 111 7 0 2 4 7 2 4 8 13 16 10 14 25 41 41 46 40 141 121 653

111 118 118 120 124 131 133 137 145 158 174 184 198 223 264 305 351 391 532 653

17.00 17.00 1.07 18.07 0.00 18.07 0.31 18.38 0.61 18.99 1.07 20.06 0.31 20.37 0.61 20.98 1.23 22.21 1.99 24.20 2.45 26.65 1.53 28.18 2.14 30.32 3.83 34.15 6.28 40.43 6.28 46.71 7.04 53.75 6.13 59.88 21.59 81.47 18.53 100.00

13,009.20 166.45 0.00 5.00 85.47 55.71 7.25 81.89 671.79 221.93 2,426.14 234.10 309.28 11,660.95 5,368.66 3,002.91 4,941.27 6,873.11 58,782.10 11,237.84 119,141.05

13,009.20 13,175.65 13,175.65 13,180.65 13,266.13 13,321.84 13,329.09 13,410.98 14,082.77 14,304.70 16,730.83 16,964.93 17,274.21 28,935.16 34,303.82 37,306.73 42,248.00 49,121.11 107,903.21 119,141.05

10.92 10.92 0.14 11.06 0.00 11.06 0.00 11.06 0.07 11.13 0.05 11.18 0.01 11.19 0.07 11.26 0.56 11.82 0.19 12.01 2.04 14.04 0.20 14.24 0.26 14.50 9.79 24.29 4.51 28.79 2.52 31.31 4.15 35.46 5.77 41.23 49.34 90.57 9.43 100.00

326.65 75.59 0.00 1.69 13.94 8.53 0.74 5.79 45.13 18.33 258.03 9.89 14.99 260.51 131.42 30.18 40.85 87.67 521.38 469.64

326.65 313.49 290.85 273.13 243.91 218.66 188.60 158.12 141.25 127.94 138.03 117.10 104.37 137.61 136.60 106.40 89.59 89.31 162.82 173.51

173.51

Page 59 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 23

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Chemical / Oil / Gas (Kimia / Minyak / Gas)

BAND

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,142 202 390 419 719 710 817 948 766 540 494 716 606 971 677 1,240 1,299 736 794 395 14,581

1,142 1,344 1,734 2,153 2,872 3,582 4,399 5,347 6,113 6,653 7,147 7,863 8,469 9,440 10,117 11,357 12,656 13,392 14,186 14,581

7.83 7.83 1.39 9.22 2.67 11.89 2.87 14.77 4.93 19.70 4.87 24.57 5.60 30.17 6.50 36.67 5.25 41.92 3.70 45.63 3.39 49.02 4.91 53.93 4.16 58.08 6.66 64.74 4.64 69.38 8.50 77.89 8.91 86.80 5.05 91.85 5.45 97.29 2.71 100.00

7,578.58 153.17 514.85 890.89 1,157.97 1,526.97 2,069.59 2,840.28 2,675.86 2,192.50 2,530.65 4,105.96 4,066.38 8,053.63 6,589.29 16,297.35 19,115.69 8,653.49 12,070.95 7,561.09 110,645.15

7,578.58 7,731.76 8,246.61 9,137.50 10,295.47 11,822.45 13,892.04 16,732.32 19,408.18 21,600.68 24,131.33 28,237.28 32,303.66 40,357.29 46,946.58 63,243.93 82,359.62 91,013.11 103,084.06 110,645.15

6.85 6.85 0.14 6.99 0.47 7.45 0.81 8.26 1.05 9.30 1.38 10.69 1.87 12.56 2.57 15.12 2.42 17.54 1.98 19.52 2.29 21.81 3.71 25.52 3.68 29.20 7.28 36.47 5.96 42.43 14.73 57.16 17.28 74.44 7.82 82.26 10.91 93.17 6.83 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

110 0 6 4 10 7 4 8 26 12 7 12 9 26 28 64 94 45 82 68

3,227,99 0.00 38.71 35.86 252.42 23.72 2.82 44.35 232.01 100.19 10.94 12.23 3.75 53.81 6.07 15.34 48.76 25.58 75.18 84.02

622

110 110 116 120 130 137 141 149 175 187 194 206 215 241 269 333 427 472 554 622

17.68 17.68 0.00 17.68 0.96 18.65 0.64 19.29 1.61 20.90 1.13 22.03 0.64 22.67 1.29 23.95 4.18 28.14 1.93 30.06 1.13 31.19 1.93 33.12 1.45 34.57 4.18 38.75 4.50 43.25 10.29 53.54 15.11 68.65 7.23 75.88 13.18 89.07 10.93 100.00

244,636.05 0.00 199.28 319.47 2,922.99 362.20 58.34 1,259.74 6,208.32 2,196.71 276.85 502.16 152.49 4,333.60 399.73 2,499.96 9,320.73 2,213.22 9,074.51 6,352.85 293,289.20

244,636.05 244,636.05 244,835.33 245,154.80 248,077.79 248,439.99 248,498.33 249,758.08 255,966.40 258,163.11 258,439.96 258,942.11 259,094.60 263,428.20 263,827.93 266,327.89 275,648.61 277,861.83 286,936.35 293,289.20

83.41 83.41 0.00 83.41 0.07 83.48 0.11 83.59 1.00 84.58 0.12 84.71 0.02 84.73 0.43 85.16 2.12 87.27 0.75 88.02 0.09 88.12 0.17 88.29 0.05 88.34 1.48 89.82 0.14 89.95 0.85 90.81 3.18 93.99 0.75 94.74 3.09 97.83 2.17 100.00

3,227,99 3,164,04 2,968,92 2,682,95 2,409,58 2,101,43 1,788,78 1,492,67 1,318,86 1,195,16 1,070,97 917.02 802.06 652.74 561.97 421.11 334.69 305.30 278.35 265.07

265.07

Page 60 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 24

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Textiles (Tekstil)

BAND

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

25 75 150 250 400 625 875 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. 1,561 782 1,569 1,293 1,983 1,315 1,128 1,123 721 436 459 531 391 646 465 875 967 529 856 267 17,897

1,561 2,343 3,912 5,205 7,188 8,503 9,631 10,754 11,475 11,911 12,370 12,901 13,292 13,938 14,403 15,278 16,245 16,774 17,630 17,897

8.72 8.72 4.37 13.09 8.77 21.86 7.22 29.08 11.08 40.16 7.35 47.51 6.30 53.81 6.27 60.09 4.03 64.12 2.44 66.55 2.56 69.12 2.97 72.08 2.18 74.27 3.61 77.88 2.60 80.48 4.89 85.37 5.40 90.77 2.96 93.73 4.78 98.51 1.49 100.00

5,344.44 448.93 1,203.96 1,190.32 2,749.65 2,530.24 2,849.78 3,288.10 2,719.63 1,988.39 2,138.51 3,233.76 2,272.44 4,781.84 3,627.83 10,147.71 11,918.57 7,313.37 12,552.41 4,530.42 86,830.33

5,344.44 5,793.38 6,997.34 8,187.66 10,937.31 13,467.55 16,317.34 19,605.44 22,325.07 24,313.46 26,451.97 29,685.73 31,958.17 36,740.01 40,367.84 50,515.55 62,434.13 69,747.50 82,299.91 86,830.33

6.16 6.16 0.52 6.67 1.39 8.06 1.37 9.43 3.17 12.60 2.91 15.51 3.28 18.79 3.79 22.58 3.13 25.71 2.29 28.00 2.46 30.46 3.72 34.19 2.62 36.81 5.51 42.31 4.18 46.49 11.69 58.18 13.73 71.90 8.42 80.33 14.46 94.78 5.22 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

109 10 19 11 13 21 6 11 14 2 25 12 11 23 34 77 104 70 244 36

701.29 3.43 29.51 46.83 11.55 38.70 83.11 32.45 7.41 0.09 105.67 3.54 7.98 344.20 128.67 15.18 78.83 67.62 1,177,20 27.09

852

109 119 138 149 162 183 189 200 214 216 241 253 264 287 321 398 502 572 816 852

12.79 12.79 1.17 13.97 2.23 16.20 1.29 17.49 1.53 19.01 2.46 21.48 0.70 22.18 1.29 23.47 1.64 25.12 0.23 25.35 2.93 28.29 1.41 29.69 1.29 30.99 2.70 33.69 3.99 37.68 9.04 46.71 12.21 58.92 8.22 67.14 28.64 95.77 4.23 100.00

37,479.99 15.39 355.33 557.37 317.68 979.10 2,368.51 1,066.89 201.59 1.75 2,259.71 114.40 181.31 16,459.17 4,668.02 1,540.24 9,395.14 4,945.10 147,766.67 1,227.25 231,900.60

37,479.99 37,495.39 37,850.72 38,408.09 38,725.77 39,704.87 42,073.38 43,140.27 43,341.86 43,343.61 45,603.32 45,717.72 45,899.02 62,358.19 67,026.21 68,566.45 77,961.59 82,906.68 230,673.35 231,900.60

16.16 16.16 0.01 16.17 0.15 16.32 0.24 16.56 0.14 16.70 0.42 17.12 1.02 18.14 0.46 18.60 0.09 18.69 0.00 18.69 0.97 19.67 0.05 19.71 0.08 19.79 7.10 26.89 2.01 28.90 0.66 29.57 4.05 33.62 2.13 35.75 63.72 99.47 0.53 100.00

701.29 647.21 540.93 469.10 354.07 294.82 257.84 220.04 194.14 178.27 172.40 154.01 143.62 169.73 166.04 135.73 124.87 118.87 280.28 267.07

267.07

Page 61 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 25

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Paper, Leather and Rubber (Kertas, Kulit dan Karet)

BAND

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

25 75 150 250 400 625 875 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. 1,110 480 820 734 1,160 855 706 896 641 429 396 468 369 578 411 783 773 391 519 251 12,770

1,110 1,590 2,410 3,144 4,304 5,159 5,865 6,761 7,402 7,831 8,227 8,695 9,064 9,642 10,053 10,836 11,609 12,000 12,519 12,770

8.69 8.69 3.76 12.45 6.42 18.87 5.75 24.62 9.08 33.70 6.70 40.40 5.53 45.93 7.02 52.94 5.02 57.96 3.36 61.32 3.10 64.42 3.66 68.09 2.89 70.98 4.53 75.51 3.22 78.72 6.13 84.86 6.05 90.91 3.06 93.97 4.06 98.03 1.97 100.00

5,633.70 237.37 686.19 776.04 1,749.83 2,134.87 1,835.13 3,101.58 2,746.53 2,633.07 2,385.33 3,567.97 3,253.13 5,857.88 4,603.81 13,023.82 12,926.97 6,928.57 12,000.10 6,068.15 92,150.04

5,633.70 5,871.07 6,557.26 7,333.30 9,083.13 11,218.00 13,053.13 16,154.71 18,901.24 21,534.31 23,919.64 27,487.60 30,740.73 36,598.61 41,202.42 54,226.24 67,153.21 74,081.79 86,081.89 92,150.04

6.11 6.11 0.26 6.37 0.74 7.12 0.84 7.96 1.90 9.86 2.32 12.17 1.99 14.17 3.37 17.53 2.98 20.51 2.86 23.37 2.59 25.96 3.87 29.83 3.53 33.36 6.36 39.72 5.00 44.71 14.13 58.85 14.03 72.87 7.52 80.39 13.02 93.41 6.59 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

151 0 5 0 12 10 15 3 5 6 12 15 13 16 19 63 51 69 107 36

461.80 0.00 31.08 0.00 3.05 9.18 67.64 0.48 30.00 65.22 21.31 13.59 67.09 1.29 8.54 45.41 199.36 49.94 380.61 1,080,50

608

151 151 156 156 168 178 193 196 201 207 219 234 247 263 282 345 396 465 572 608

24.84 24.84 0.00 24.84 0.82 25.66 0.00 25.66 1.97 27.63 1.64 29.28 2.47 31.74 0.49 32.24 0.82 33.06 0.99 34.05 1.97 36.02 2.47 38.49 2.14 40.63 2.63 43.26 3.13 46.38 10.36 56.74 8.39 65.13 11.35 76.48 17.60 94.08 5.92 100.00

26,016.48 0.00 213.28 0.00 53.32 195.98 1,241.37 15.00 823.99 1,717.35 508.32 484.79 2,182.38 75.78 393.17 5,914.08 25,771.52 3,460.03 45,673.71 65,566.58 180,307.13

26,016.48 26,016.48 26,229.76 26,229.76 26,283.09 26,479.06 27,720.43 27,735.43 28,559.42 30,276.77 30,785.09 31,269.88 33,452.26 33,528.04 33,921.21 39,835.29 65,606.81 69,066.84 114,740.55 180,307.13

14.43 14.43 0.00 14.43 0.12 14.55 0.00 14.55 0.03 14.58 0.11 14.69 0.69 15.37 0.01 15.38 0.46 15.84 0.95 16.79 0.28 17.07 0.27 17.34 1.21 18.55 0.04 18.59 0.22 18.81 3.28 22.09 14.29 36.39 1.92 38.31 25.33 63.64 36.36 100.00

461.80 443.13 400.01 357.68 289.36 236.04 212.37 171.69 151.10 140.60 128.70 113.76 108.82 91.61 82.33 73.46 97.70 93.23 133.29 195.67

195.67

Page 62 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 26

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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 F rp RP BAND CUM. BAND CUM. 1,021 628 768 516 709 532 488 533 386 339 246 391 249 414 310 563 697 291 385 29 9,495

1,021 1,649 2,417 2,933 3,642 4,174 4,662 5,195 5,581 5,920 6,166 6,557 6,806 7,220 7,530 8,093 8,790 9,081 9,466 9,495

10.75 10.75 6.61 17.37 8.09 25.46 5.43 30.89 7.47 38.36 5.60 43.96 5.14 49.10 5.61 54.71 4.07 58.78 3.57 62.35 2.59 64.94 4.12 69.06 2.62 71.68 4.36 76.04 3.26 79.30 5.93 85.23 7.34 92.58 3.06 95.64 4.05 99.69 0.31 100.00

3,749.84 497.93 1,017.85 996.26 1,886.19 1,881.33 2,162.70 2,882.40 2,575.70 2,667.67 2,351.92 4,150.58 2,974.77 6,503.24 6,342.97 13,116.06 16,919.65 8,366.03 9,146.68 953.96 91,143.71

3,749.84 4,247.77 5,265.62 6,261.88 8,148.06 10,029.40 12,192.09 15,074.49 17,650.19 20,317.86 22,669.78 26,820.36 29,795.12 36,298.36 42,641.33 55,757.39 72,677.05 81,043.07 90,189.75 91,143.71

4.11 4.11 0.55 4.66 1.12 5.78 1.09 6.87 2.07 8.94 2.06 11.00 2.37 13.38 3.16 16.54 2.83 19.37 2.93 22.29 2.58 24.87 4.55 29.43 3.26 32.69 7.14 39.83 6.96 46.78 14.39 61.18 18.56 79.74 9.18 88.92 10.04 98.95 1.05 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 24 0 7 2 11 11 27 3 12 9 4 12 12 23 35 56 62 42 73 4 429

24 24 31 33 44 55 82 85 97 106 110 122 134 157 192 248 310 352 425 429

5.59 5.59 0.00 5.59 1.63 7.23 0.47 7.69 2.56 10.26 2.56 12.82 6.29 19.11 0.70 19.81 2.80 22.61 2.10 24.71 0.93 25.64 2.80 28.44 2.80 31.24 5.36 36.60 8.16 44.76 13.05 57.81 14.45 72.26 9.79 82.05 17.02 99.07 0.93 100.00

303.65 0.00 867.44 12.66 102.70 2,652.41 2,355.70 657.98 222.75 521.58 382.77 3,293.22 1,318.24 7,465.48 15,807.07 14,173.30 22,568.60 8,657.39 92,473.79 31.37 173,868.08

303.65 303.65 1,171.09 1,183.75 1,286.44 3,938.86 6,294.55 6,952.53 7,175.28 7,696.86 8,079.63 11,372.85 12,691.09 20,156.57 35,963.63 50,136.94 72,705.53 81,362.92 173,836.71 173,868.08

0.17 0.17 0.00 0.17 0.50 0.67 0.01 0.68 0.06 0.74 1.53 2.27 1.35 3.62 0.38 4.00 0.13 4.13 0.30 4.43 0.22 4.65 1.89 6.54 0.76 7.30 4.29 11.59 9.09 20.68 8.15 28.84 12.98 41.82 4.98 46.80 53.19 99.98 0.02 100.00

LOSS RATIO PERCENTAGE BAND CUM. 8.10 0.00 85.22 1.27 5.44 140.99 108.92 22.83 8.65 19.55 16.27 79.34 44.31 114.80 249.21 108.06 133.39 103.48 1,011,01 3.29

8.10 7.15 22.24 18.90 15.79 39.27 51.63 46.12 40.65 37.88 35.64 42.40 42.59 55.53 84.34 89.92 100.04 100.39 192.75 190.76

190.76

Page 63 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 27

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Nutritional, Drinks and Tobacco (Makanan, Minuman dan Tembakau)

BAND

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

25 75 150 250 400 625 875 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. 7,345 2,720 2,994 1,992 2,408 1,619 1,259 1,479 1,269 721 648 1,005 807 1,421 930 1,815 1,949 1,093 1,202 442 35,118

7,345 10,065 13,059 15,051 17,459 19,078 20,337 21,816 23,085 23,806 24,454 25,459 26,266 27,687 28,617 30,432 32,381 33,474 34,676 35,118

20.92 20.92 7.75 28.66 8.53 37.19 5.67 42.86 6.86 49.72 4.61 54.33 3.59 57.91 4.21 62.12 3.61 65.74 2.05 67.79 1.85 69.63 2.86 72.50 2.30 74.79 4.05 78.84 2.65 81.49 5.17 86.66 5.55 92.21 3.11 95.32 3.42 98.74 1.26 100.00

8,957.29 1,243.97 1,290.51 1,256.19 2,399.73 1,883.96 2,120.78 3,240.34 2,859.47 2,285.42 2,395.53 3,897.60 3,697.54 7,941.37 7,862.34 18,452.36 22,193.74 13,365.27 15,570.60 12,328.96 135,242.95

8,957.29 10,201.26 11,491.77 12,747.96 15,147.70 17,031.66 19,152.44 22,392.77 25,252.24 27,537.66 29,933.19 33,830.79 37,528.33 45,469.70 53,332.03 71,784.39 93,978.13 107,343.40 122,914.00 135,242.95

6.62 6.62 0.92 7.54 0.95 8.50 0.93 9.43 1.77 11.20 1.39 12.59 1.57 14.16 2.40 16.56 2.11 18.67 1.69 20.36 1.77 22.13 2.88 25.01 2.73 27.75 5.87 33.62 5.81 39.43 13.64 53.08 16.41 69.49 9.88 79.37 11.51 90.88 9.12 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 116 13 15 30 17 31 8 26 17 20 6 48 23 44 45 322 80 166 212 189 1,428

116 129 144 174 191 222 230 256 273 293 299 347 370 414 459 781 861 1,027 1,239 1,428

8.12 8.12 0.91 9.03 1.05 10.08 2.10 12.18 1.19 13.38 2.17 15.55 0.56 16.11 1.82 17.93 1.19 19.12 1.40 20.52 0.42 20.94 3.36 24.30 1.61 25.91 3.08 28.99 3.15 32.14 22.55 54.69 5.60 60.29 11.62 71.92 14.85 86.76 13.24 100.00

6,955.71 166.36 702.76 514.84 50.86 1,983.92 1,981.70 1,541.34 2,116.45 6,150.99 53.65 4,331.46 969.26 1,744.34 2,962.73 16,421.98 6,669.21 101,548.40 14,145.28 39,356.18 210,367.42

6,955.71 7,122.08 7,824.84 8,339.67 8,390.53 10,374.45 12,356.15 13,897.49 16,013.94 22,164.93 22,218.58 26,550.04 27,519.30 29,263.64 32,226.37 48,648.35 55,317.56 156,865.96 171,011.24 210,367.42

3.31 3.31 0.08 3.39 0.33 3.72 0.24 3.96 0.02 3.99 0.94 4.93 0.94 5.87 0.73 6.61 1.01 7.61 2.92 10.54 0.03 10.56 2.06 12.62 0.46 13.08 0.83 13.91 1.41 15.32 7.81 23.13 3.17 26.30 48.27 74.57 6.72 81.29 18.71 100.00

77.65 77.65 13.37 69.82 54.46 68.09 40.98 65.42 2.12 55.39 105.31 60.91 93.44 64.51 47.57 62.06 74.02 63.42 269.14 80.49 2.24 74.23 111.13 78.48 26.21 73.33 21.97 64.36 37.68 60.43 89.00 67.77 30.05 58.86 759.79 146.13 90.85 139.13 319.22 155.55 155.55

Page 64 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 28

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Power and Heating (Pembangkit Tenaga dan Pemanas)

BAND

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

25 75 150 250 400 625 875 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. 68 6 10 17 14 27 33 46 29 21 22 31 28 42 37 90 119 69 283 242 1,234

68 74 84 101 115 142 175 221 250 271 293 324 352 394 431 521 640 709 992 1,234

5.51 5.51 0.49 6.00 0.81 6.81 1.38 8.18 1.13 9.32 2.19 11.51 2.67 14.18 3.73 17.91 2.35 20.26 1.70 21.96 1.78 23.74 2.51 26.26 2.27 28.53 3.40 31.93 3.00 34.93 7.29 42.22 9.64 51.86 5.59 57.46 22.93 80.39 19.61 100.00

1,117.06 0.63 4.72 11.02 8.93 18.13 66.22 52.89 58.64 33.24 29.57 117.39 88.89 192.13 413.85 1,118.83 1,555.43 1,072.71 3,816.51 3,589.47 13,366.26

1,117.06 1,117.69 1,122.41 1,133.43 1,142.36 1,160.49 1,226.71 1,279.60 1,338.24 1,371.47 1,401.04 1,518.43 1,607.31 1,799.45 2,213.29 3,332.13 4,887.56 5,960.27 9,776.78 13,366.26

8.36 8.36 0.00 8.36 0.04 8.40 0.08 8.48 0.07 8.55 0.14 8.68 0.50 9.18 0.40 9.57 0.44 10.01 0.25 10.26 0.22 10.48 0.88 11.36 0.67 12.03 1.44 13.46 3.10 16.56 8.37 24.93 11.64 36.57 8.03 44.59 28.55 73.15 26.85 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 20 0 0 0 2 0 0 0 4 0 0 0 0 0 0 7 3 0 29 21 86

20 20 20 20 22 22 22 22 26 26 26 26 26 26 26 33 36 36 65 86

23.26 23.26 0.00 23.26 0.00 23.26 0.00 23.26 2.33 25.58 0.00 25.58 0.00 25.58 0.00 25.58 4.65 30.23 0.00 30.23 0.00 30.23 0.00 30.23 0.00 30.23 0.00 30.23 0.00 30.23 8.14 38.37 3.49 41.86 0.00 41.86 33.72 75.58 24.42 100.00

27,671.95 0.00 0.00 0.00 30.52 0.00 0.00 0.00 243.95 0.00 0.00 0.00 0.00 0.00 0.00 697.00 715.00 0.00 17,971.17 28,917.42 76,247.02

27,671.95 27,671.95 27,671.95 27,671.95 27,702.47 27,702.47 27,702.47 27,702.47 27,946.42 27,946.42 27,946.42 27,946.42 27,946.42 27,946.42 27,946.42 28,643.42 29,358.42 29,358.42 47,329.59 76,247.02

36.29 36.29 0.00 36.29 0.00 36.29 0.00 36.29 0.04 36.33 0.00 36.33 0.00 36.33 0.00 36.33 0.32 36.65 0.00 36.65 0.00 36.65 0.00 36.65 0.00 36.65 0.00 36.65 0.00 36.65 0.91 37.57 0.94 38.50 0.00 38.50 23.57 62.07 37.93 100.00

LOSS RATIO PERCENTAGE BAND CUM. 2,477,21 0.00 0.00 0.00 341.78 0.00 0.00 0.00 416.04 0.00 0.00 0.00 0.00 0.00 0.00 62.30 45.97 0.00 470.88 805.62

2,477,21 2,475,82 2,465,40 2,441,43 2,425,02 2,387,14 2,258,28 2,164,93 2,088,30 2,037,69 1,994,69 1,840,48 1,738,70 1,553,06 1,262,66 859.61 600.68 492.57 484.10 570.44

570.44

Page 65 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 29

DATA POSITION FROM : DATA POSITION TO : PROCESSING DATE :

01/01/2010 15/12/2012 15/03/2013

BAND

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

25 75 150 250 400 625 875 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.

158,534 144,277 211,574 136,736 159,659 87,244 67,389 50,335 28,367 15,510 12,299 13,981 9,395 11,288 6,960 9,951 7,461 3,053 3,091 881 1,137,985

158,534 302,811 514,385 651,121 810,780 898,024 965,413 1,015,748 1,044,115 1,059,625 1,071,924 1,085,905 1,095,300 1,106,588 1,113,548 1,123,499 1,130,960 1,134,013 1,137,104 1,137,985

13.93 13.93 12.68 26.61 18.59 45.20 12.02 57.22 14.03 71.25 7.67 78.91 5.92 84.84 4.42 89.26 2.49 91.75 1.36 93.11 1.08 94.19 1.23 95.42 0.83 96.25 0.99 97.24 0.61 97.85 0.87 98.73 0.66 99.38 0.27 99.65 0.27 99.92 0.08 100.00

73,378.77 28,359.79 70,063.29 66,645.21 129,714.69 100,686.48 105,000.57 105,748.43 80,572.88 52,659.28 46,934.28 60,966.51 48,311.56 68,141.53 52,101.58 102,351.91 87,204.34 37,970.09 53,498.77 18,695.06 1,389,005.02

73,378.77 101,738.56 171,801.85 238,447.06 368,161.75 468,848.22 573,848.80 679,597.22 760,170.11 812,829.38 859,763.66 920,730.17 969,041.73 1,037,183.26 1,089,284.84 1,191,636.75 1,278,841.09 1,316,811.19 1,370,309.96 1,389,005.02

5.28 5.28 2.04 7.32 5.04 12.37 4.80 17.17 9.34 26.51 7.25 33.75 7.56 41.31 7.61 48.93 5.80 54.73 3.79 58.52 3.38 61.90 4.39 66.29 3.48 69.77 4.91 74.67 3.75 78.42 7.37 85.79 6.28 92.07 2.73 94.80 3.85 98.65 1.35 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

1,672 313 555 394 592 402 358 411 329 161 210 190 150 360 257 475 496 379 770 356 8,830

1,672 1,985 2,540 2,934 3,526 3,928 4,286 4,697 5,026 5,187 5,397 5,587 5,737 6,097 6,354 6,829 7,325 7,704 8,474 8,830

18.94 18.94 3.54 22.48 6.29 28.77 4.46 33.23 6.70 39.93 4.55 44.48 4.05 48.54 4.65 53.19 3.73 56.92 1.82 58.74 2.38 61.12 2.15 63.27 1.70 64.97 4.08 69.05 2.91 71.96 5.38 77.34 5.62 82.96 4.29 87.25 8.72 95.97 4.03 100.00

CLAIM SEVERITY (in million Rupiah) PERCENTAGE rp RP BAND CUM. 856,221.39 6,792.63 29,921.70 12,096.58 26,042.81 16,652.46 25,097.42 20,963.19 17,711.26 15,019.74 18,261.20 10,869.08 8,871.63 52,924.33 20,730.24 49,374.53 51,461.84 26,441.24 135,538.13 113,645.32 1,514,636.72

856,221.39 863,014.02 892,935.72 905,032.30 931,075.11 947,727.57 972,824.98 993,788.17 1,011,499.43 1,026,519.18 1,044,780.37 1,055,649.45 1,064,521.09 1,117,445.42 1,138,175.65 1,187,550.18 1,239,012.02 1,265,453.26 1,400,991.39 1,514,636.72

56.53 56.53 0.45 56.98 1.98 58.95 0.80 59.75 1.72 61.47 1.10 62.57 1.66 64.23 1.38 65.61 1.17 66.78 0.99 67.77 1.21 68.98 0.72 69.70 0.59 70.28 3.49 73.78 1.37 75.15 3.26 78.40 3.40 81.80 1.75 83.55 8.95 92.50 7.50 100.00

LOSS RATIO PERCENTAGE BAND CUM. 1,166,85 23.95 42.71 18.15 20.08 16.54 23.90 19.82 21.98 28.52 38.91 17.83 18.36 77.67 39.79 48.24 59.01 69.64 253.35 607.89

1,166,85 848.27 519.75 379.55 252.90 202.14 169.53 146.23 133.06 126.29 121.52 114.65 109.85 107.74 104.49 99.66 96.89 96.10 102.24 109.04

109.04

Page 66 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 30

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Estate Plantation Risk

BAND

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

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

NUMBER OF POLICIES 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 CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 2 0 0 2 0 0 0 2 0 0 0 0 2 2 6 0 0 0 16

0 0 2 2 2 4 4 4 4 6 6 6 6 6 8 10 16 16 16 16

0.00 0.00 12.50 0.00 0.00 12.50 0.00 0.00 0.00 12.50 0.00 0.00 0.00 0.00 12.50 12.50 37.50 0.00 0.00 0.00

0.00 0.00 12.50 12.50 12.50 25.00 25.00 25.00 25.00 37.50 37.50 37.50 37.50 37.50 50.00 62.50 100.00 100.00 100.00 100.00

0.00 0.00 28.64 0.00 0.00 7.20 0.00 0.00 0.00 107.46 0.00 0.00 0.00 0.00 7.99 31.66 86.57 0.00 0.00 0.00 269.53

0.00 0.00 28.64 28.64 28.64 35.84 35.84 35.84 35.84 143.30 143.30 143.30 143.30 143.30 151.29 182.96 269.53 269.53 269.53 269.53

0.00 0.00 10.63 0.00 0.00 2.67 0.00 0.00 0.00 39.87 0.00 0.00 0.00 0.00 2.96 11.75 32.12 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 10.63 167.83 111.27 10.63 0.00 55.90 10.63 0.00 12.25 13.30 2.85 7.37 13.30 0.00 6.59 13.30 0.00 4.75 13.30 0.00 3.30 53.17 28.72 9.81 53.17 0.00 8.51 53.17 0.00 6.57 53.17 0.00 6.18 53.17 0.00 4.64 56.13 1.07 3.94 67.88 1.21 2.83 100.00 4.60 3.23 100.00 0.00 3.12 100.00 0.00 3.12 100.00 0.00 3.12 3.12

Page 67 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 31

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Estate Plantation Risk

BAND

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 51 16 29 32 37 44 26 67 85 45 46 88 53 112 40 101 207 219 162 19 1,479

51 67 96 128 165 209 235 302 387 432 478 566 619 731 771 872 1,079 1,298 1,460 1,479

3.45 3.45 1.08 4.53 1.96 6.49 2.16 8.65 2.50 11.16 2.97 14.13 1.76 15.89 4.53 20.42 5.75 26.17 3.04 29.21 3.11 32.32 5.95 38.27 3.58 41.85 7.57 49.43 2.70 52.13 6.83 58.96 14.00 72.95 14.81 87.76 10.95 98.72 1.28 100.00

464.04 2.41 6.36 (1,85) 19.54 92.01 24.01 111.42 117.24 165.70 241.82 437.41 373.42 719.55 465.88 699.36 5,861.02 5,521.29 4,199.91 197.34 19,717.89

464.04 466.46 472.82 470.96 490.50 582.51 606.52 717.94 835.18 1,000.88 1,242.70 1,680.11 2,053.54 2,773.09 3,238.96 3,938.33 9,799.35 15,320.64 19,520.55 19,717.89

2.35 2.35 0.01 2.37 0.03 2.40 (0,01) 2.39 0.10 2.49 0.47 2.95 0.12 3.08 0.57 3.64 0.59 4.24 0.84 5.08 1.23 6.30 2.22 8.52 1.89 10.41 3.65 14.06 2.36 16.43 3.55 19.97 29.72 49.70 28.00 77.70 21.30 99.00 1.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 4 0 0 0 0 0 0 0 6 0 0 2 4 9 9 9 17 14 11 3 88

4 4 4 4 4 4 4 4 10 10 10 12 16 25 34 43 60 74 85 88

4.55 4.55 0.00 4.55 0.00 4.55 0.00 4.55 0.00 4.55 0.00 4.55 0.00 4.55 0.00 4.55 6.82 11.36 0.00 11.36 0.00 11.36 2.27 13.64 4.55 18.18 10.23 28.41 10.23 38.64 10.23 48.86 19.32 68.18 15.91 84.09 12.50 96.59 3.41 100.00

184.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 393.32 0.00 0.00 2.92 22.94 770.19 363.32 152.96 593.55 3,304.17 296.66 390.19 6,474.69

184.47 184.47 184.47 184.47 184.47 184.47 184.47 184.47 577.79 577.79 577.79 580.71 603.65 1,373.84 1,737.16 1,890.11 2,483.66 5,787.83 6,084.49 6,474.69

2.85 2.85 39.75 0.00 2.85 0.00 0.00 2.85 0.00 0.00 2.85 0.00 0.00 2.85 0.00 0.00 2.85 0.00 0.00 2.85 0.00 0.00 2.85 0.00 6.07 8.92 335.46 0.00 8.92 0.00 0.00 8.92 0.00 0.05 8.97 0.67 0.35 9.32 6.14 11.90 21.22 107.04 5.61 26.83 77.99 2.36 29.19 21.87 9.17 38.36 10.13 51.03 89.39 59.84 4.58 93.97 7.06 6.03 100.00 197.73

39.75 39.55 39.02 39.17 37.61 31.67 30.42 25.69 69.18 57.73 46.49 34.56 29.40 49.54 53.63 47.99 25.35 37.78 31.17 32.84

32.84

Page 68 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 32

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Recreation Place (Tempat rekreasi/liburan)

BAND

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

25 75 150 250 400 625 875 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. 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 CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 6 0 0 0 0 0 2 0 4 0 0 0 4 0 4 34 4 26 0 84

0 6 6 6 6 6 6 8 8 12 12 12 12 16 16 20 54 58 84 84

0.00 0.00 7.14 7.14 0.00 7.14 0.00 7.14 0.00 7.14 0.00 7.14 0.00 7.14 2.38 9.52 0.00 9.52 4.76 14.29 0.00 14.29 0.00 14.29 0.00 14.29 4.76 19.05 0.00 19.05 4.76 23.81 40.48 64.29 4.76 69.05 30.95 100.00 0.00 100.00

0.00 491.40 0.00 0.00 0.00 0.00 0.00 10.66 0.00 16.68 0.00 0.00 0.00 460.12 0.00 26.56 263.30 306.78 503.99 0.00 2,079.50

0.00 491.40 491.40 491.40 491.40 491.40 491.40 502.06 502.06 518.74 518.74 518.74 518.74 978.86 978.86 1,005.42 1,268.72 1,575.51 2,079.50 2,079.50

0.00 0.00 0.00 0.00 23.63 23.63 638.75 635.21 0.00 23.63 0.00 506.70 0.00 23.63 0.00 491.85 0.00 23.63 0.00 465.38 0.00 23.63 0.00 446.42 0.00 23.63 0.00 429.91 0.51 24.14 12.81 254.20 0.00 24.14 0.00 252.11 0.80 24.95 17.56 176.35 0.00 24.95 0.00 175.26 0.00 24.95 0.00 171.63 0.00 24.95 0.00 170.79 22.13 47.07 70.74 102.58 0.00 47.07 0.00 97.87 1.28 48.35 3.08 53.98 12.66 61.01 74.20 57.22 14.75 75.76 29.23 48.22 24.24 100.00 134.13 57.08 0.00 100.00 0.00 56.79 56.79

Page 69 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 40

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Non Estate Plantation Risk

BAND

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 465 240 264 26 30 15 20 27 30 13 9 17 14 39 21 57 86 76 31 1 1,481

465 705 969 995 1,025 1,040 1,060 1,087 1,117 1,130 1,139 1,156 1,170 1,209 1,230 1,287 1,373 1,449 1,480 1,481

31.40 31.40 16.21 47.60 17.83 65.43 1.76 67.18 2.03 69.21 1.01 70.22 1.35 71.57 1.82 73.40 2.03 75.42 0.88 76.30 0.61 76.91 1.15 78.06 0.95 79.00 2.63 81.63 1.42 83.05 3.85 86.90 5.81 92.71 5.13 97.84 2.09 99.93 0.07 100.00

584.51 126.02 136.91 17.73 44.23 50.11 45.63 59.51 89.20 52.19 35.20 128.50 61.41 388.91 398.87 1,191.42 2,748.70 1,027.23 1,351.67 50.26 8,588.20

584.51 710.53 847.44 865.17 909.40 959.51 1,005.14 1,064.65 1,153.85 1,206.03 1,241.23 1,369.73 1,431.14 1,820.05 2,218.92 3,410.33 6,159.04 7,186.27 8,537.94 8,588.20

6.81 6.81 1.47 8.27 1.59 9.87 0.21 10.07 0.51 10.59 0.58 11.17 0.53 11.70 0.69 12.40 1.04 13.44 0.61 14.04 0.41 14.45 1.50 15.95 0.72 16.66 4.53 21.19 4.64 25.84 13.87 39.71 32.01 71.72 11.96 83.68 15.74 99.41 0.59 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2 0 3 0 0 0 0 0 0 0 3 0 7 0 2 0 2 6 0 0 25

2 2 5 5 5 5 5 5 5 5 8 8 15 15 17 17 19 25 25 25

8.00 8.00 0.00 8.00 12.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 12.00 32.00 0.00 32.00 28.00 60.00 0.00 60.00 8.00 68.00 0.00 68.00 8.00 76.00 24.00 100.00 0.00 100.00 0.00 100.00

54.26 0.00 198.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 738.74 0.00 82.38 0.00 455.69 0.00 10.49 84.13 0.00 0.00 1,624.14

54.26 54.26 252.70 252.70 252.70 252.70 252.70 252.70 252.70 252.70 991.44 991.44 1,073.82 1,073.82 1,529.52 1,529.52 1,540.01 1,624.14 1,624.14 1,624.14

3.34 3.34 0.00 3.34 12.22 15.56 0.00 15.56 0.00 15.56 0.00 15.56 0.00 15.56 0.00 15.56 0.00 15.56 0.00 15.56 45.48 61.04 0.00 61.04 5.07 66.12 0.00 66.12 28.06 94.17 0.00 94.17 0.65 94.82 5.18 100.00 0.00 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 9.28 0.00 144.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,098,79 0.00 134.16 0.00 114.25 0.00 0.38 8.19 0.00 0.00

9.28 7.64 29.82 29.21 27.79 26.34 25.14 23.74 21.90 20.95 79.88 72.38 75.03 59.00 68.93 44.85 25.00 22.60 19.02 18.91

18.91

Page 70 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,766 2,301 3,419 2,040 1,924 682 496 317 150 80 65 66 37 55 20 30 65 18 10 11 13,552

1,766 4,067 7,486 9,526 11,450 12,132 12,628 12,945 13,095 13,175 13,240 13,306 13,343 13,398 13,418 13,448 13,513 13,531 13,541 13,552

13.03 13.03 16.98 30.01 25.23 55.24 15.05 70.29 14.20 84.49 5.03 89.52 3.66 93.18 2.34 95.52 1.11 96.63 0.59 97.22 0.48 97.70 0.49 98.18 0.27 98.46 0.41 98.86 0.15 99.01 0.22 99.23 0.48 99.71 0.13 99.85 0.07 99.92 0.08 100.00

624.26 682.76 1,965.67 1,906.10 2,690.82 1,508.92 1,605.32 1,175.24 645.11 496.50 492.58 398.80 283.22 683.13 236.77 747.88 2,005.73 365.95 89.84 652.70 19,257.29

624.26 1,307.02 3,272.69 5,178.79 7,869.61 9,378.53 10,983.85 12,159.10 12,804.21 13,300.71 13,793.28 14,192.08 14,475.30 15,158.43 15,395.20 16,143.08 18,148.81 18,514.76 18,604.59 19,257.29

3.24 3.24 3.55 6.79 10.21 16.99 9.90 26.89 13.97 40.87 7.84 48.70 8.34 57.04 6.10 63.14 3.35 66.49 2.58 69.07 2.56 71.63 2.07 73.70 1.47 75.17 3.55 78.72 1.23 79.94 3.88 83.83 10.42 94.24 1.90 96.14 0.47 96.61 3.39 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 6 6 22 18 10 4 4 4 0 0 2 0 0 1 0 0 0 0 0 0 77

6 12 34 52 62 66 70 74 74 74 76 76 76 77 77 77 77 77 77 77

7.79 7.79 28.57 23.38 12.99 5.19 5.19 5.19 0.00 0.00 2.60 0.00 0.00 1.30 0.00 0.00 0.00 0.00 0.00 0.00

7.79 15.58 44.16 67.53 80.52 85.71 90.91 96.10 96.10 96.10 98.70 98.70 98.70 100.00 100.00 100.00 100.00 100.00 100.00 100.00

55.23 183.76 1,015.68 247.13 692.90 631.27 119.79 229.13 0.00 0.00 98.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,273.53

55.23 238.99 1,254.66 1,501.80 2,194.70 2,825.97 2,945.76 3,174.89 3,174.89 3,174.89 3,273.53 3,273.53 3,273.53 3,273.53 3,273.53 3,273.53 3,273.53 3,273.53 3,273.53 3,273.53

1.69 5.61 31.03 7.55 21.17 19.28 3.66 7.00 0.00 0.00 3.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1.69 7.30 38.33 45.88 67.04 86.33 89.99 96.99 96.99 96.99 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

8.85 26.91 51.67 12.97 25.75 41.84 7.46 19.50 0.00 0.00 20.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

8.85 18.28 38.34 29.00 27.89 30.13 26.82 26.11 24.80 23.87 23.73 23.07 22.61 21.60 21.26 20.28 18.04 17.68 17.60 17.00

17.00

Page 71 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 13,125 11,853 17,005 11,765 12,487 5,938 4,115 2,991 1,756 912 794 1,002 709 880 507 839 998 477 381 132 88,666

13,125 24,978 41,983 53,748 66,235 72,173 76,288 79,279 81,035 81,947 82,741 83,743 84,452 85,332 85,839 86,678 87,676 88,153 88,534 88,666

14.80 14.80 13.37 28.17 19.18 47.35 13.27 60.62 14.08 74.70 6.70 81.40 4.64 86.04 3.37 89.41 1.98 91.39 1.03 92.42 0.90 93.32 1.13 94.45 0.80 95.25 0.99 96.24 0.57 96.81 0.95 97.76 1.13 98.88 0.54 99.42 0.43 99.85 0.15 100.00

6,100.78 2,097.09 5,224.56 5,974.39 10,774.94 7,577.16 7,881.17 6,990.11 5,787.37 3,726.50 3,549.28 4,920.03 4,305.34 6,947.90 5,050.64 10,937.21 16,808.15 9,178.10 10,984.53 2,016.81 136,832.06

6,100.78 8,197.87 13,422.43 19,396.82 30,171.76 37,748.93 45,630.10 52,620.21 58,407.58 62,134.08 65,683.36 70,603.39 74,908.73 81,856.63 86,907.27 97,844.47 114,652.62 123,830.72 134,815.25 136,832.06

4.46 4.46 1.53 5.99 3.82 9.81 4.37 14.18 7.87 22.05 5.54 27.59 5.76 33.35 5.11 38.46 4.23 42.69 2.72 45.41 2.59 48.00 3.60 51.60 3.15 54.75 5.08 59.82 3.69 63.51 7.99 71.51 12.28 83.79 6.71 90.50 8.03 98.53 1.47 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 57 18 51 24 46 39 24 39 15 26 22 22 17 18 39 52 64 45 57 10 685

57 75 126 150 196 235 259 298 313 339 361 383 400 418 457 509 573 618 675 685

8.32 8.32 2.63 10.95 7.45 18.39 3.50 21.90 6.72 28.61 5.69 34.31 3.50 37.81 5.69 43.50 2.19 45.69 3.80 49.49 3.21 52.70 3.21 55.91 2.48 58.39 2.63 61.02 5.69 66.72 7.59 74.31 9.34 83.65 6.57 90.22 8.32 98.54 1.46 100.00

5,118.65 475.74 1,540.44 979.18 1,756.50 2,386.25 2,415.10 1,592.90 120.88 4,063.41 1,097.56 249.98 1,704.16 5,579.86 9,436.22 5,703.82 9,057.27 4,518.19 7,466.14 65.66 65,327.92

5,118.65 5,594.39 7,134.83 8,114.02 9,870.52 12,256.77 14,671.87 16,264.77 16,385.64 20,449.05 21,546.61 21,796.60 23,500.76 29,080.62 38,516.84 44,220.67 53,277.94 57,796.13 65,262.26 65,327.92

7.84 7.84 83.90 0.73 8.56 22.69 2.36 10.92 29.48 1.50 12.42 16.39 2.69 15.11 16.30 3.65 18.76 31.49 3.70 22.46 30.64 2.44 24.90 22.79 0.19 25.08 2.09 6.22 31.30 109.04 1.68 32.98 30.92 0.38 33.36 5.08 2.61 35.97 39.58 8.54 44.51 80.31 14.44 58.96 186.83 8.73 67.69 52.15 13.86 81.55 53.89 6.92 88.47 49.23 11.43 99.90 67.97 0.10 100.00 3.26

83.90 68.24 53.16 41.83 32.71 32.47 32.15 30.91 28.05 32.91 32.80 30.87 31.37 35.53 44.32 45.19 46.47 46.67 48.41 47.74

47.74

Page 72 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,272 5,746 9,614 6,498 6,127 2,454 1,825 1,213 753 374 308 387 360 393 266 287 175 91 80 33 41,256

4,272 10,018 19,632 26,130 32,257 34,711 36,536 37,749 38,502 38,876 39,184 39,571 39,931 40,324 40,590 40,877 41,052 41,143 41,223 41,256

10.35 10.35 13.93 24.28 23.30 47.59 15.75 63.34 14.85 78.19 5.95 84.14 4.42 88.56 2.94 91.50 1.83 93.32 0.91 94.23 0.75 94.98 0.94 95.92 0.87 96.79 0.95 97.74 0.64 98.39 0.70 99.08 0.42 99.51 0.22 99.73 0.19 99.92 0.08 100.00

1,780.29 1,030.19 2,786.63 2,793.96 5,051.83 3,282.18 3,592.88 3,035.09 2,104.97 1,126.33 1,100.73 1,271.22 1,102.17 1,510.07 1,051.35 2,223.45 2,710.09 1,167.47 811.58 603.13 40,135.58

1,780.29 2,810.47 5,597.10 8,391.06 13,442.89 16,725.07 20,317.94 23,353.03 25,458.00 26,584.33 27,685.05 28,956.27 30,058.44 31,568.51 32,619.86 34,843.31 37,553.40 38,720.87 39,532.46 40,135.58

4.44 4.44 2.57 7.00 6.94 13.95 6.96 20.91 12.59 33.49 8.18 41.67 8.95 50.62 7.56 58.19 5.24 63.43 2.81 66.24 2.74 68.98 3.17 72.15 2.75 74.89 3.76 78.65 2.62 81.27 5.54 86.81 6.75 93.57 2.91 96.48 2.02 98.50 1.50 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 5 2 7 10 12 11 6 7 12 0 0 0 0 0 0 1 2 6 3 0 84

5 7 14 24 36 47 53 60 72 72 72 72 72 72 72 73 75 81 84 84

5.95 5.95 2.38 8.33 8.33 16.67 11.90 28.57 14.29 42.86 13.10 55.95 7.14 63.10 8.33 71.43 14.29 85.71 0.00 85.71 0.00 85.71 0.00 85.71 0.00 85.71 0.00 85.71 0.00 85.71 1.19 86.90 2.38 89.29 7.14 96.43 3.57 100.00 0.00 100.00

94.08 0.00 217.69 688.66 800.93 200.12 1,054.66 344.21 695.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 149.61 2,593.11 20.33 0.00 6,858.51

94.08 94.08 311.77 1,000.43 1,801.35 2,001.48 3,056.14 3,400.35 4,095.45 4,095.45 4,095.45 4,095.45 4,095.45 4,095.45 4,095.45 4,095.45 4,245.06 6,838.17 6,858.51 6,858.51

1.37 1.37 5.28 0.00 1.37 0.00 3.17 4.55 7.81 10.04 14.59 24.65 11.68 26.26 15.85 2.92 29.18 6.10 15.38 44.56 29.35 5.02 49.58 11.34 10.13 59.71 33.02 0.00 59.71 0.00 0.00 59.71 0.00 0.00 59.71 0.00 0.00 59.71 0.00 0.00 59.71 0.00 0.00 59.71 0.00 0.00 59.71 0.00 2.18 61.89 5.52 37.81 99.70 222.11 0.30 100.00 2.51 0.00 100.00 0.00

5.28 3.35 5.57 11.92 13.40 11.97 15.04 14.56 16.09 15.41 14.79 14.14 13.62 12.97 12.56 11.75 11.30 17.66 17.35 17.09

17.09

Page 73 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,393 5,589 8,578 5,859 6,510 2,636 1,697 1,261 783 390 323 386 282 367 198 336 443 288 296 112 41,727

5,393 10,982 19,560 25,419 31,929 34,565 36,262 37,523 38,306 38,696 39,019 39,405 39,687 40,054 40,252 40,588 41,031 41,319 41,615 41,727

12.92 12.92 13.39 26.32 20.56 46.88 14.04 60.92 15.60 76.52 6.32 82.84 4.07 86.90 3.02 89.92 1.88 91.80 0.93 92.74 0.77 93.51 0.93 94.44 0.68 95.11 0.88 95.99 0.47 96.47 0.81 97.27 1.06 98.33 0.69 99.02 0.71 99.73 0.27 100.00

3,764.26 1,443.00 3,257.52 3,785.05 6,901.34 4,309.25 3,885.98 3,676.65 2,661.57 1,497.00 1,573.52 2,021.11 1,804.86 2,030.73 1,325.00 3,067.41 4,770.83 4,046.94 3,454.08 671.46 59,947.56

3,764.26 5,207.26 8,464.78 12,249.84 19,151.18 23,460.42 27,346.40 31,023.05 33,684.63 35,181.63 36,755.14 38,776.25 40,581.11 42,611.83 43,936.83 47,004.24 51,775.08 55,822.01 59,276.10 59,947.56

6.28 6.28 2.41 8.69 5.43 14.12 6.31 20.43 11.51 31.95 7.19 39.13 6.48 45.62 6.13 51.75 4.44 56.19 2.50 58.69 2.62 61.31 3.37 64.68 3.01 67.69 3.39 71.08 2.21 73.29 5.12 78.41 7.96 86.37 6.75 93.12 5.76 98.88 1.12 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 26 6 16 17 12 4 14 17 6 7 15 6 4 4 0 9 29 39 20 9 260

26 32 48 65 77 81 95 112 118 125 140 146 150 154 154 163 192 231 251 260

10.00 10.00 2.31 12.31 6.15 18.46 6.54 25.00 4.62 29.62 1.54 31.15 5.38 36.54 6.54 43.08 2.31 45.38 2.69 48.08 5.77 53.85 2.31 56.15 1.54 57.69 1.54 59.23 0.00 59.23 3.46 62.69 11.15 73.85 15.00 88.85 7.69 96.54 3.46 100.00

5,972.64 71.16 488.47 527.59 1,328.29 270.06 686.98 2,011.61 143.96 229.69 1,790.96 270.61 90.51 7.16 0.00 1,243.78 3,450.14 3,904.47 1,736.06 62,101.69 86,325.81

5,972.64 6,043.80 6,532.28 7,059.86 8,388.15 8,658.20 9,345.18 11,356.79 11,500.75 11,730.44 13,521.40 13,792.01 13,882.51 13,889.67 13,889.67 15,133.46 18,583.60 22,488.07 24,224.13 86,325.81

6.92 6.92 0.08 7.00 0.57 7.57 0.61 8.18 1.54 9.72 0.31 10.03 0.80 10.83 2.33 13.16 0.17 13.32 0.27 13.59 2.07 15.66 0.31 15.98 0.10 16.08 0.01 16.09 0.00 16.09 1.44 17.53 4.00 21.53 4.52 26.05 2.01 28.06 71.94 100.00

LOSS RATIO PERCENTAGE BAND CUM. 158.67 4.93 15.00 13.94 19.25 6.27 17.68 54.71 5.41 15.34 113.82 13.39 5.01 0.35 0.00 40.55 72.32 96.48 50.26 9,248,73

158.67 116.06 77.17 57.63 43.80 36.91 34.17 36.61 34.14 33.34 36.79 35.57 34.21 32.60 31.61 32.20 35.89 40.29 40.87 144.00

144.00

Page 74 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,149 2,299 3,308 2,015 1,925 818 509 385 218 100 63 114 94 118 57 97 123 80 49 11 14,532

2,149 4,448 7,756 9,771 11,696 12,514 13,023 13,408 13,626 13,726 13,789 13,903 13,997 14,115 14,172 14,269 14,392 14,472 14,521 14,532

14.79 14.79 15.82 30.61 22.76 53.37 13.87 67.24 13.25 80.48 5.63 86.11 3.50 89.62 2.65 92.27 1.50 93.77 0.69 94.45 0.43 94.89 0.78 95.67 0.65 96.32 0.81 97.13 0.39 97.52 0.67 98.19 0.85 99.04 0.55 99.59 0.34 99.92 0.08 100.00

786.81 579.78 1,466.88 1,552.44 2,107.24 1,388.12 1,233.38 1,099.68 754.07 588.83 305.30 567.81 465.44 892.82 456.10 1,405.65 1,477.49 726.64 459.18 855.57 19,169.21

786.81 1,366.59 2,833.47 4,385.91 6,493.15 7,881.26 9,114.64 10,214.32 10,968.39 11,557.22 11,862.52 12,430.33 12,895.76 13,788.58 14,244.68 15,650.33 17,127.82 17,854.46 18,313.64 19,169.21

4.10 4.10 3.02 7.13 7.65 14.78 8.10 22.88 10.99 33.87 7.24 41.11 6.43 47.55 5.74 53.29 3.93 57.22 3.07 60.29 1.59 61.88 2.96 64.85 2.43 67.27 4.66 71.93 2.38 74.31 7.33 81.64 7.71 89.35 3.79 93.14 2.40 95.54 4.46 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 13 5 9 6 0 5 0 3 0 0 2 6 0 8 0 7 0 9 8 0 81

13 18 27 33 33 38 38 41 41 41 43 49 49 57 57 64 64 73 81 81

16.05 16.05 6.17 22.22 11.11 33.33 7.41 40.74 0.00 40.74 6.17 46.91 0.00 46.91 3.70 50.62 0.00 50.62 0.00 50.62 2.47 53.09 7.41 60.49 0.00 60.49 9.88 70.37 0.00 70.37 8.64 79.01 0.00 79.01 11.11 90.12 9.88 100.00 0.00 100.00

513.17 121.03 391.95 478.15 0.00 46.39 0.00 65.04 0.00 0.00 69.00 24.06 0.00 160.30 0.00 113.13 0.00 309.88 16,601.94 0.00 18,894.05

513.17 634.21 1,026.15 1,504.30 1,504.30 1,550.69 1,550.69 1,615.74 1,615.74 1,615.74 1,684.74 1,708.80 1,708.80 1,869.10 1,869.10 1,982.23 1,982.23 2,292.11 18,894.05 18,894.05

2.72 2.72 0.64 3.36 2.07 5.43 2.53 7.96 0.00 7.96 0.25 8.21 0.00 8.21 0.34 8.55 0.00 8.55 0.00 8.55 0.37 8.92 0.13 9.04 0.00 9.04 0.85 9.89 0.00 9.89 0.60 10.49 0.00 10.49 1.64 12.13 87.87 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 65.22 20.88 26.72 30.80 0.00 3.34 0.00 5.91 0.00 0.00 22.60 4.24 0.00 17.95 0.00 8.05 0.00 42.65 3,615,58 0.00

65.22 46.41 36.22 34.30 23.17 19.68 17.01 15.82 14.73 13.98 14.20 13.75 13.25 13.56 13.12 12.67 11.57 12.84 103.17 98.56

98.56

Page 75 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,091 3,472 5,895 4,025 4,488 2,228 1,619 1,194 714 363 275 328 229 272 204 299 279 182 215 61 30,433

4,091 7,563 13,458 17,483 21,971 24,199 25,818 27,012 27,726 28,089 28,364 28,692 28,921 29,193 29,397 29,696 29,975 30,157 30,372 30,433

13.44 13.44 11.41 24.85 19.37 44.22 13.23 57.45 14.75 72.19 7.32 79.52 5.32 84.84 3.92 88.76 2.35 91.11 1.19 92.30 0.90 93.20 1.08 94.28 0.75 95.03 0.89 95.93 0.67 96.60 0.98 97.58 0.92 98.50 0.60 99.09 0.71 99.80 0.20 100.00

3,349.19 627.65 1,885.95 2,449.82 4,278.68 3,032.73 3,250.41 3,069.46 2,326.80 1,346.22 1,060.90 1,474.30 1,174.07 1,580.92 1,491.46 3,017.91 4,187.81 2,784.30 4,018.39 3,335.76 49,742.72

3,349.19 3,976.84 5,862.78 8,312.61 12,591.28 15,624.01 18,874.42 21,943.88 24,270.67 25,616.89 26,677.80 28,152.10 29,326.17 30,907.09 32,398.55 35,416.45 39,604.27 42,388.57 46,406.96 49,742.72

6.73 6.73 1.26 7.99 3.79 11.79 4.92 16.71 8.60 25.31 6.10 31.41 6.53 37.94 6.17 44.11 4.68 48.79 2.71 51.50 2.13 53.63 2.96 56.60 2.36 58.96 3.18 62.13 3.00 65.13 6.07 71.20 8.42 79.62 5.60 85.22 8.08 93.29 6.71 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 24 0 3 6 20 4 4 4 2 3 5 3 12 5 5 24 12 13 45 57 251

24 24 27 33 53 57 61 65 67 70 75 78 90 95 100 124 136 149 194 251

9.56 9.56 0.00 9.56 1.20 10.76 2.39 13.15 7.97 21.12 1.59 22.71 1.59 24.30 1.59 25.90 0.80 26.69 1.20 27.89 1.99 29.88 1.20 31.08 4.78 35.86 1.99 37.85 1.99 39.84 9.56 49.40 4.78 54.18 5.18 59.36 17.93 77.29 22.71 100.00

2,008.77 0.00 89.97 63.15 82.02 22.42 89.83 11.32 5.97 1,538.42 52.54 39.95 169.73 109.20 2.62 3,049.45 478.03 333.57 14,516.07 29,513.98 52,176.99

2,008.77 2,008.77 2,098.74 2,161.89 2,243.91 2,266.32 2,356.16 2,367.48 2,373.45 3,911.87 3,964.40 4,004.35 4,174.08 4,283.27 4,285.89 7,335.35 7,813.37 8,146.95 22,663.02 52,176.99

3.85 3.85 0.00 3.85 0.17 4.02 0.12 4.14 0.16 4.30 0.04 4.34 0.17 4.52 0.02 4.54 0.01 4.55 2.95 7.50 0.10 7.60 0.08 7.67 0.33 8.00 0.21 8.21 0.01 8.21 5.84 14.06 0.92 14.97 0.64 15.61 27.82 43.43 56.57 100.00

59.98 59.98 0.00 50.51 4.77 35.80 2.58 26.01 1.92 17.82 0.74 14.51 2.76 12.48 0.37 10.79 0.26 9.78 114.28 15.27 4.95 14.86 2.71 14.22 14.46 14.23 6.91 13.86 0.18 13.23 101.05 20.71 11.41 19.73 11.98 19.22 361.24 48.84 884.78 104.89 104.89

Page 76 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,680 1,858 2,630 1,625 1,482 577 403 179 118 55 40 44 47 60 27 80 65 38 24 10 11,042

1,680 3,538 6,168 7,793 9,275 9,852 10,255 10,434 10,552 10,607 10,647 10,691 10,738 10,798 10,825 10,905 10,970 11,008 11,032 11,042

15.21 15.21 16.83 32.04 23.82 55.86 14.72 70.58 13.42 84.00 5.23 89.22 3.65 92.87 1.62 94.49 1.07 95.56 0.50 96.06 0.36 96.42 0.40 96.82 0.43 97.25 0.54 97.79 0.24 98.03 0.72 98.76 0.59 99.35 0.34 99.69 0.22 99.91 0.09 100.00

429.84 400.41 1,020.38 978.36 1,565.81 928.25 913.77 500.89 373.69 229.86 211.58 162.82 233.55 342.39 387.76 683.58 693.64 378.11 199.08 44.46 10,678.25

429.84 830.25 1,850.63 2,829.00 4,394.81 5,323.06 6,236.83 6,737.72 7,111.41 7,341.27 7,552.85 7,715.67 7,949.23 8,291.62 8,679.38 9,362.96 10,056.59 10,434.71 10,633.79 10,678.25

4.03 4.03 3.75 7.78 9.56 17.33 9.16 26.49 14.66 41.16 8.69 49.85 8.56 58.41 4.69 63.10 3.50 66.60 2.15 68.75 1.98 70.73 1.52 72.26 2.19 74.44 3.21 77.65 3.63 81.28 6.40 87.68 6.50 94.18 3.54 97.72 1.86 99.58 0.42 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 6 12 0 4 9 9 3 0 0 0 0 0 0 0 0 2 0 0 3 0 48

6 18 18 22 31 40 43 43 43 43 43 43 43 43 43 45 45 45 48 48

12.50 12.50 25.00 37.50 0.00 37.50 8.33 45.83 18.75 64.58 18.75 83.33 6.25 89.58 0.00 89.58 0.00 89.58 0.00 89.58 0.00 89.58 0.00 89.58 0.00 89.58 0.00 89.58 0.00 89.58 4.17 93.75 0.00 93.75 0.00 93.75 6.25 100.00 0.00 100.00

115.11 435.24 0.00 176.68 668.73 1,487.37 778.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 165.20 0.00 0.00 79.42 0.00 3,906.18

115.11 550.35 550.35 727.03 1,395.76 2,883.13 3,661.57 3,661.57 3,661.57 3,661.57 3,661.57 3,661.57 3,661.57 3,661.57 3,661.57 3,826.76 3,826.76 3,826.76 3,906.18 3,906.18

2.95 2.95 26.78 11.14 14.09 108.70 0.00 14.09 0.00 4.52 18.61 18.06 17.12 35.73 42.71 38.08 73.81 160.23 19.93 93.74 85.19 0.00 93.74 0.00 0.00 93.74 0.00 0.00 93.74 0.00 0.00 93.74 0.00 0.00 93.74 0.00 0.00 93.74 0.00 0.00 93.74 0.00 0.00 93.74 0.00 4.23 97.97 24.17 0.00 97.97 0.00 0.00 97.97 0.00 2.03 100.00 39.89 0.00 100.00 0.00

26.78 66.29 29.74 25.70 31.76 54.16 58.71 54.34 51.49 49.88 48.48 47.46 46.06 44.16 42.19 40.87 38.05 36.67 36.73 36.58

36.58

Page 77 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,458 3,448 4,844 2,669 2,764 1,447 1,141 758 420 268 227 242 149 244 148 332 269 143 163 77 23,211

3,458 6,906 11,750 14,419 17,183 18,630 19,771 20,529 20,949 21,217 21,444 21,686 21,835 22,079 22,227 22,559 22,828 22,971 23,134 23,211

14.90 14.90 14.86 29.75 20.87 50.62 11.50 62.12 11.91 74.03 6.23 80.26 4.92 85.18 3.27 88.45 1.81 90.25 1.15 91.41 0.98 92.39 1.04 93.43 0.64 94.07 1.05 95.12 0.64 95.76 1.43 97.19 1.16 98.35 0.62 98.97 0.70 99.67 0.33 100.00

2,778.30 605.34 1,686.29 1,511.89 2,532.24 1,848.50 2,186.00 1,689.74 1,556.28 1,173.84 1,013.38 1,195.56 877.73 2,144.04 2,176.11 3,795.79 4,748.75 2,592.09 2,434.53 503.01 39,049.39

2,778.30 3,383.64 5,069.92 6,581.81 9,114.05 10,962.55 13,148.55 14,838.29 16,394.57 17,568.40 18,581.79 19,777.35 20,655.07 22,799.11 24,975.22 28,771.01 33,519.76 36,111.85 38,546.38 39,049.39

7.11 7.11 1.55 8.67 4.32 12.98 3.87 16.86 6.48 23.34 4.73 28.07 5.60 33.67 4.33 38.00 3.99 41.98 3.01 44.99 2.60 47.59 3.06 50.65 2.25 52.89 5.49 58.39 5.57 63.96 9.72 73.68 12.16 85.84 6.64 92.48 6.23 98.71 1.29 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 54 2 11 0 8 12 5 7 9 7 0 11 2 14 8 31 47 51 5 31 315

54 56 67 67 75 87 92 99 108 115 115 126 128 142 150 181 228 279 284 315

17.14 17.14 0.63 17.78 3.49 21.27 0.00 21.27 2.54 23.81 3.81 27.62 1.59 29.21 2.22 31.43 2.86 34.29 2.22 36.51 0.00 36.51 3.49 40.00 0.63 40.63 4.44 45.08 2.54 47.62 9.84 57.46 14.92 72.38 16.19 88.57 1.59 90.16 9.84 100.00

2,525.12 0.00 501.31 0.00 285.22 223.25 197.96 50.41 345.57 55.88 0.00 2,725.21 696.55 1,469.23 216.55 731.89 518.39 5,930.70 213.93 1,465.01 18,152.18

2,525.12 2,525.12 3,026.43 3,026.43 3,311.65 3,534.90 3,732.86 3,783.27 4,128.84 4,184.73 4,184.73 6,909.93 7,606.48 9,075.71 9,292.26 10,024.15 10,542.54 16,473.24 16,687.16 18,152.18

13.91 13.91 90.89 0.00 13.91 0.00 2.76 16.67 29.73 0.00 16.67 0.00 1.57 18.24 11.26 1.23 19.47 12.08 1.09 20.56 9.06 0.28 20.84 2.98 1.90 22.75 22.20 0.31 23.05 4.76 0.00 23.05 0.00 15.01 38.07 227.94 3.84 41.90 79.36 8.09 50.00 68.53 1.19 51.19 9.95 4.03 55.22 19.28 2.86 58.08 10.92 32.67 90.75 228.80 1.18 91.93 8.79 8.07 100.00 291.25

90.89 74.63 59.69 45.98 36.34 32.25 28.39 25.50 25.18 23.82 22.52 34.94 36.83 39.81 37.21 34.84 31.45 45.62 43.29 46.49

46.49

Page 78 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 27,783 16,906 30,698 26,809 39,552 24,579 18,720 14,953 8,342 4,592 3,570 4,284 2,861 3,309 2,075 3,244 2,808 1,319 1,894 741 239,039

27,783 44,689 75,387 102,196 141,748 166,327 185,047 200,000 208,342 212,934 216,504 220,788 223,649 226,958 229,033 232,277 235,085 236,404 238,298 239,039

11.62 11.62 7.07 18.70 12.84 31.54 11.22 42.75 16.55 59.30 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 92.36 1.20 93.56 1.38 94.95 0.87 95.81 1.36 97.17 1.17 98.35 0.55 98.90 0.79 99.69 0.31 100.00

28,156.32 3,620.60 9,236.58 11,630.19 24,863.14 22,161.79 24,571.93 27,039.85 20,432.48 14,029.51 14,571.20 18,366.84 14,859.63 19,899.88 15,649.04 31,947.42 31,655.51 14,687.82 30,835.04 16,005.91 394,220.70

28,156.32 31,776.92 41,013.51 52,643.70 77,506.84 99,668.63 124,240.56 151,280.42 171,712.90 185,742.41 200,313.61 218,680.45 233,540.08 253,439.96 269,088.99 301,036.42 332,691.93 347,379.75 378,214.79 394,220.70

7.14 7.14 0.92 8.06 2.34 10.40 2.95 13.35 6.31 19.66 5.62 25.28 6.23 31.52 6.86 38.37 5.18 43.56 3.56 47.12 3.70 50.81 4.66 55.47 3.77 59.24 5.05 64.29 3.97 68.26 8.10 76.36 8.03 84.39 3.73 88.12 7.82 95.94 4.06 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 779 142 215 127 160 130 114 102 72 86 48 58 52 107 52 145 442 186 580 1,006 4,603

779 921 1,136 1,263 1,423 1,553 1,667 1,769 1,841 1,927 1,975 2,033 2,085 2,192 2,244 2,389 2,831 3,017 3,597 4,603

16.92 16.92 3.08 20.01 4.67 24.68 2.76 27.44 3.48 30.91 2.82 33.74 2.48 36.22 2.22 38.43 1.56 40.00 1.87 41.86 1.04 42.91 1.26 44.17 1.13 45.30 2.32 47.62 1.13 48.75 3.15 51.90 9.60 61.50 4.04 65.54 12.60 78.14 21.86 100.00

38,077.32 3,580.31 5,373.98 6,210.20 6,474.06 5,162.11 8,936.97 3,176.39 10,142.73 5,598.63 4,934.17 8,878.01 7,653.09 15,457.34 6,007.01 19,379.43 32,563.83 18,164.48 163,759.94 182,675.86 552,205.86

38,077.32 41,657.63 47,031.61 53,241.81 59,715.87 64,877.98 73,814.96 76,991.34 87,134.07 92,732.70 97,666.87 106,544.88 114,197.96 129,655.30 135,662.31 155,041.75 187,605.58 205,770.06 369,530.00 552,205.86

6.90 6.90 0.65 7.54 0.97 8.52 1.12 9.64 1.17 10.81 0.93 11.75 1.62 13.37 0.58 13.94 1.84 15.78 1.01 16.79 0.89 17.69 1.61 19.29 1.39 20.68 2.80 23.48 1.09 24.57 3.51 28.08 5.90 33.97 3.29 37.26 29.66 66.92 33.08 100.00

LOSS RATIO PERCENTAGE BAND CUM. 135.24 98.89 58.18 53.40 26.04 23.29 36.37 11.75 49.64 39.91 33.86 48.34 51.50 77.68 38.39 60.66 102.87 123.67 531.08 1,141,30

135.24 131.09 114.67 101.14 77.05 65.09 59.41 50.89 50.74 49.93 48.76 48.72 48.90 51.16 50.42 51.50 56.39 59.23 97.70 140.08

140.08

Page 79 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. 27,592 24,859 34,523 21,440 24,118 13,440 11,262 8,414 4,634 2,693 2,230 2,873 2,068 2,948 2,095 3,511 3,410 1,526 2,006 800 196,442

27,592 52,451 86,974 108,414 132,532 145,972 157,234 165,648 170,282 172,975 175,205 178,078 180,146 183,094 185,189 188,700 192,110 193,636 195,642 196,442

14.05 14.05 12.65 26.70 17.57 44.27 10.91 55.19 12.28 67.47 6.84 74.31 5.73 80.04 4.28 84.32 2.36 86.68 1.37 88.05 1.14 89.19 1.46 90.65 1.05 91.70 1.50 93.21 1.07 94.27 1.79 96.06 1.74 97.79 0.78 98.57 1.02 99.59 0.41 100.00

17,023.79 3,993.84 9,797.01 10,366.96 17,572.16 14,313.68 15,429.91 16,254.72 12,475.59 9,112.85 8,298.04 12,511.38 10,054.62 18,563.19 16,628.45 38,987.82 43,922.72 22,387.36 31,279.39 10,107.34 339,080.82

17,023.79 21,017.63 30,814.64 41,181.60 58,753.76 73,067.44 88,497.35 104,752.07 117,227.66 126,340.51 134,638.55 147,149.93 157,204.55 175,767.74 192,396.20 231,384.01 275,306.73 297,694.09 328,973.48 339,080.82

5.02 5.02 1.18 6.20 2.89 9.09 3.06 12.15 5.18 17.33 4.22 21.55 4.55 26.10 4.79 30.89 3.68 34.57 2.69 37.26 2.45 39.71 3.69 43.40 2.97 46.36 5.47 51.84 4.90 56.74 11.50 68.24 12.95 81.19 6.60 87.79 9.22 97.02 2.98 100.00

01/01/2010 15/12/2012 15/03/2013

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

955 43 118 83 89 95 71 75 73 27 36 64 75 100 59 176 253 195 355 204

478,853.63 848.87 1,559.05 1,537.50 2,114.77 5,084.25 4,010.34 2,218.65 3,728.60 599.97 2,801.05 4,600.65 3,188.28 19,871.31 5,610.86 8,241.56 31,592.06 12,792.66 185,912.44 20,323.24

2,812,85 21.25 15.91 14.83 12.03 35.52 25.99 13.65 29.89 6.58 33.76 36.77 31.71 107.05 33.74 21.14 71.93 57.14 594.36 201.07

3,146

955 998 1,116 1,199 1,288 1,383 1,454 1,529 1,602 1,629 1,665 1,729 1,804 1,904 1,963 2,139 2,392 2,587 2,942 3,146

30.36 30.36 1.37 31.72 3.75 35.47 2.64 38.11 2.83 40.94 3.02 43.96 2.26 46.22 2.38 48.60 2.32 50.92 0.86 51.78 1.14 52.92 2.03 54.96 2.38 57.34 3.18 60.52 1.88 62.40 5.59 67.99 8.04 76.03 6.20 82.23 11.28 93.52 6.48 100.00

795,489.76

478,853.63 479,702.51 481,261.55 482,799.05 484,913.82 489,998.07 494,008.41 496,227.06 499,955.65 500,555.62 503,356.67 507,957.33 511,145.61 531,016.92 536,627.79 544,869.35 576,461.41 589,254.07 775,166.52 795,489.76

60.20 60.20 0.11 60.30 0.20 60.50 0.19 60.69 0.27 60.96 0.64 61.60 0.50 62.10 0.28 62.38 0.47 62.85 0.08 62.92 0.35 63.28 0.58 63.85 0.40 64.26 2.50 66.75 0.71 67.46 1.04 68.49 3.97 72.47 1.61 74.07 23.37 97.45 2.55 100.00

2,812,85 2282.38 1561.80 1172.37 825.33 670.61 558.22 473.72 426.48 396.20 373.86 345.20 325.15 302.11 278.92 235.48 209.39 197.94 235.63 234.60

234.60

Page 80 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

: : :

TOTAL FR, IAR, LOP, EQ 2010 11 - JAWA TENGAH

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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

25 20,121 20,121 75 15,941 36,062 150 17,451 53,513 250 9,063 62,576 400 9,691 72,267 625 5,746 78,013 875 4,931 82,944 1,250 3,979 86,923 1,750 2,262 89,185 2,250 1,409 90,594 2,750 1,155 91,749 3,500 1,383 93,132 4,500 868 94,000 6,250 1,347 95,347 8,750 818 96,165 15,000 1,294 97,459 35,000 1,119 98,578 75,000 455 99,033 300,000 516 99,549 195 99,744 99,744

20.17 20.17 15.98 36.15 17.50 53.65 9.09 62.74 9.72 72.45 5.76 78.21 4.94 83.16 3.99 87.15 2.27 89.41 1.41 90.83 1.16 91.98 1.39 93.37 0.87 94.24 1.35 95.59 0.82 96.41 1.30 97.71 1.12 98.83 0.46 99.29 0.52 99.80 0.20 100.00

8,132.18 2,440.42 5,046.12 4,418.60 7,892.22 6,736.27 7,023.12 8,219.79 6,363.59 5,189.07 4,477.62 6,671.62 4,914.00 9,461.30 6,865.35 15,341.88 14,645.04 7,234.07 9,763.24 3,351.94 144,187.43

8,132.18 10,572.59 15,618.72 20,037.32 27,929.54 34,665.80 41,688.93 49,908.72 56,272.31 61,461.38 65,938.99 72,610.62 77,524.62 86,985.92 93,851.27 109,193.14 123,838.19 131,072.25 140,835.49 144,187.43

5.64 5.64 1.69 7.33 3.50 10.83 3.06 13.90 5.47 19.37 4.67 24.04 4.87 28.91 5.70 34.61 4.41 39.03 3.60 42.63 3.11 45.73 4.63 50.36 3.41 53.77 6.56 60.33 4.76 65.09 10.64 75.73 10.16 85.89 5.02 90.90 6.77 97.68 2.32 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 108 23 26 20 38 30 57 35 22 16 35 27 18 40 72 94 64 64 136 38 963

108 131 157 177 215 245 302 337 359 375 410 437 455 495 567 661 725 789 925 963

11.21 11.21 2.39 13.60 2.70 16.30 2.08 18.38 3.95 22.33 3.12 25.44 5.92 31.36 3.63 34.99 2.28 37.28 1.66 38.94 3.63 42.58 2.80 45.38 1.87 47.25 4.15 51.40 7.48 58.88 9.76 68.64 6.65 75.29 6.65 81.93 14.12 96.05 3.95 100.00

5,548.63 545.15 1,368.82 783.68 690.94 233.78 5,948.88 1,561.63 2,155.87 1,813.91 1,141.11 510.43 1,686.75 2,807.65 16,755.90 13,925.15 14,088.85 6,427.06 8,826.32 11,557.84 98,378.33

5,548.63 6,093.78 7,462.60 8,246.28 8,937.22 9,171.00 15,119.88 16,681.51 18,837.38 20,651.29 21,792.40 22,302.83 23,989.57 26,797.22 43,553.12 57,478.27 71,567.12 77,994.17 86,820.50 98,378.33

5.64 5.64 68.23 0.55 6.19 22.34 1.39 7.59 27.13 0.80 8.38 17.74 0.70 9.08 8.75 0.24 9.32 3.47 6.05 15.37 84.70 1.59 16.96 19.00 2.19 19.15 33.88 1.84 20.99 34.96 1.16 22.15 25.48 0.52 22.67 7.65 1.71 24.39 34.33 2.85 27.24 29.68 17.03 44.27 244.06 14.15 58.43 90.77 14.32 72.75 96.20 6.53 79.28 88.84 8.97 88.25 90.40 11.75 100.00 344.81

68.23 57.64 47.78 41.15 32.00 26.46 36.27 33.42 33.48 33.60 33.05 30.72 30.94 30.81 46.41 52.64 57.79 59.50 61.65 68.23

68.23

Page 81 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,067 1,578 2,186 1,367 1,621 972 837 650 428 203 183 240 174 194 102 177 112 80 33 6 13,210

2,067 3,645 5,831 7,198 8,819 9,791 10,628 11,278 11,706 11,909 12,092 12,332 12,506 12,700 12,802 12,979 13,091 13,171 13,204 13,210

15.65 15.65 11.95 27.59 16.55 44.14 10.35 54.49 12.27 66.76 7.36 74.12 6.34 80.45 4.92 85.37 3.24 88.61 1.54 90.15 1.39 91.54 1.82 93.35 1.32 94.67 1.47 96.14 0.77 96.91 1.34 98.25 0.85 99.10 0.61 99.70 0.25 99.95 0.05 100.00

851.88 238.82 605.07 596.78 1,091.74 1,007.26 1,012.04 1,112.75 997.88 655.73 625.94 1,115.08 712.12 1,224.82 615.34 2,172.73 1,045.81 859.49 440.45 32.23 17,013.96

851.88 1,090.70 1,695.77 2,292.55 3,384.29 4,391.55 5,403.59 6,516.34 7,514.22 8,169.95 8,795.88 9,910.96 10,623.08 11,847.90 12,463.25 14,635.98 15,681.78 16,541.28 16,981.73 17,013.96

5.01 5.01 1.40 6.41 3.56 9.97 3.51 13.47 6.42 19.89 5.92 25.81 5.95 31.76 6.54 38.30 5.87 44.17 3.85 48.02 3.68 51.70 6.55 58.25 4.19 62.44 7.20 69.64 3.62 73.25 12.77 86.02 6.15 92.17 5.05 97.22 2.59 99.81 0.19 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 9 4 12 14 17 9 18 5 7 4 2 6 2 2 4 7 2 16 10 0 150

9 13 25 39 56 65 83 88 95 99 101 107 109 111 115 122 124 140 150 150

6.00 6.00 2.67 8.67 8.00 16.67 9.33 26.00 11.33 37.33 6.00 43.33 12.00 55.33 3.33 58.67 4.67 63.33 2.67 66.00 1.33 67.33 4.00 71.33 1.33 72.67 1.33 74.00 2.67 76.67 4.67 81.33 1.33 82.67 10.67 93.33 6.67 100.00 0.00 100.00

460.21 4.77 69.21 140.86 182.53 752.39 1,388.38 1,363.44 244.13 406.25 3.25 128.22 3.36 319.64 60.06 69.08 0.08 676.37 1,401.67 0.00 7,673.90

460.21 464.98 534.19 675.06 857.59 1,609.97 2,998.35 4,361.79 4,605.92 5,012.17 5,015.42 5,143.64 5,147.00 5,466.63 5,526.69 5,595.78 5,595.86 6,272.23 7,673.90 7,673.90

6.00 6.00 54.02 0.06 6.06 2.00 0.90 6.96 11.44 1.84 8.80 23.60 2.38 11.18 16.72 9.80 20.98 74.70 18.09 39.07 137.19 17.77 56.84 122.53 3.18 60.02 24.46 5.29 65.31 61.95 0.04 65.36 0.52 1.67 67.03 11.50 0.04 67.07 0.47 4.17 71.24 26.10 0.78 72.02 9.76 0.90 72.92 3.18 0.00 72.92 0.01 8.81 81.73 78.69 18.27 100.00 318.23 0.00 100.00 0.00

54.02 42.63 31.50 29.45 25.34 36.66 55.49 66.94 61.30 61.35 57.02 51.90 48.45 46.14 44.34 38.23 35.68 37.92 45.19 45.10

45.10

Page 82 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 19,872 16,681 22,326 13,668 16,821 10,477 8,688 6,850 4,149 2,355 1,930 2,356 1,611 2,243 1,444 2,460 1,973 1,004 1,046 368 138,32 2

19,872 36,553 58,879 72,547 89,368 99,845 108,53 115,383 119,533 121,882 123,817 126,177 127,783 130,024 131,477 133,931 135,901 136,904 137,958 138,324 2

14.37 14.37 12.06 26.43 16.14 42.57 9.88 52.45 12.16 64.61 7.57 72.18 6.28 78.46 4.95 83.42 3.00 86.42 1.70 88.12 1.40 89.51 1.70 91.22 1.16 92.38 1.62 94.00 1.04 95.05 1.78 96.83 1.43 98.25 0.73 98.98 0.76 99.73 0.27 100.00

14,248.29 2,726.83 6,242.46 6,410.07 12,057.25 10,708.63 11,421.46 13,025.86 10,864.43 7,986.92 7,396.59 11,421.53 9,174.52 15,181.23 13,640.45 30,613.06 28,094.03 14,977.52 13,170.20 10,423.34 249,784.67

14,248.29 16,975.12 23,217.58 29,627.65 41,684.91 52,393.54 63,815.00 76,840.86 87,705.28 95,692.20 103,088.79 114,510.32 123,684.84 138,866.07 152,506.52 183,119.58 211,213.61 226,191.13 239,361.33 249,784.67

5.70 5.70 1.09 6.80 2.50 9.30 2.57 11.86 4.83 16.69 4.29 20.98 4.57 25.55 5.21 30.76 4.35 35.11 3.20 38.31 2.96 41.27 4.57 45.84 3.67 49.52 6.08 55.59 5.46 61.06 12.26 73.31 11.25 84.56 6.00 90.55 5.27 95.83 4.17 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 225 15 39 23 37 40 36 54 73 18 56 51 31 92 115 155 134 120 223 71 1,608

225 240 279 302 339 379 415 469 542 560 616 667 698 790 905 1,060 1,194 1,314 1,537 1,608

13.99 13.99 0.93 14.93 2.43 17.35 1.43 18.78 2.30 21.08 2.49 23.57 2.24 25.81 3.36 29.17 4.54 33.71 1.12 34.83 3.48 38.31 3.17 41.48 1.93 43.41 5.72 49.13 7.15 56.28 9.64 65.92 8.33 74.25 7.46 81.72 13.87 95.58 4.42 100.00

27,228.63 419.55 13,946.14 687.35 2,385.21 1,845.91 1,595.10 5,215.36 7,433.34 4,249.12 7,068.20 4,114.11 248.17 15,590.28 6,553.70 21,484.05 33,689.60 100,419.88 85,196.97 14,444.99 353,815.64

27,228.63 27,648.18 41,594.31 42,281.66 44,666.87 46,512.78 48,107.87 53,323.23 60,756.57 65,005.69 72,073.89 76,188.00 76,436.17 92,026.45 98,580.15 120,064.20 153,753.80 254,173.68 339,370.65 353,815.64

7.70 7.70 0.12 7.81 3.94 11.76 0.19 11.95 0.67 12.62 0.52 13.15 0.45 13.60 1.47 15.07 2.10 17.17 1.20 18.37 2.00 20.37 1.16 21.53 0.07 21.60 4.41 26.01 1.85 27.86 6.07 33.93 9.52 43.46 28.38 71.84 24.08 95.92 4.08 100.00

191.10 15.39 223.41 10.72 19.78 17.24 13.97 40.04 68.42 53.20 95.56 36.02 2.70 102.69 48.05 70.18 119.92 670.47 646.89 138.58

191.10 162.87 179.15 142.71 107.15 88.78 75.39 69.39 69.27 67.93 69.91 66.53 61.80 66.27 64.64 65.57 72.80 112.37 141.78 141.65

141.65

Page 83 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

: : :

TOTAL FR, IAR, LOP, EQ 2010 14 - KALIMANTAN BARAT

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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

25 9,191 9,191 75 9,103 18,294 150 10,041 28,335 250 3,653 31,988 400 2,841 34,829 625 1,037 35,866 875 686 36,552 1,250 470 37,022 1,750 230 37,252 2,250 164 37,416 2,750 122 37,538 3,500 146 37,684 4,500 82 37,766 6,250 116 37,882 8,750 62 37,944 15,000 162 38,106 35,000 151 38,257 75,000 65 38,322 300,000 57 38,379 15 38,394 38,394

23.94 23.94 23.71 47.65 26.15 73.80 9.51 83.32 7.40 90.71 2.70 93.42 1.79 95.20 1.22 96.43 0.60 97.03 0.43 97.45 0.32 97.77 0.38 98.15 0.21 98.36 0.30 98.67 0.16 98.83 0.42 99.25 0.39 99.64 0.17 99.81 0.15 99.96 0.04 100.00

4,116.76 4,186.17 9,292.01 5,871.46 6,544.92 3,312.90 2,737.33 2,100.27 1,471.25 1,006.59 739.63 1,129.76 720.46 1,103.41 830.07 2,998.30 1,918.16 5,530.57 1,718.44 248.98 57,577.44

4,116.76 8,302.93 17,594.94 23,466.40 30,011.33 33,324.22 36,061.55 38,161.82 39,633.07 40,639.66 41,379.29 42,509.05 43,229.51 44,332.92 45,162.99 48,161.29 50,079.45 55,610.01 57,328.46 57,577.44

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 30 20 58 41 26 8 1 7 0 3 0 3 12 4 15 28 14 11 18 0 299

30 50 108 149 175 183 184 191 191 194 194 197 209 213 228 256 270 281 299 299

10.03 10.03 6.69 16.72 19.40 36.12 13.71 49.83 8.70 58.53 2.68 61.20 0.33 61.54 2.34 63.88 0.00 63.88 1.00 64.88 0.00 64.88 1.00 65.89 4.01 69.90 1.34 71.24 5.02 76.25 9.36 85.62 4.68 90.30 3.68 93.98 6.02 100.00 0.00 100.00

1,423.76 624.47 3,168.63 2,198.80 2,606.07 401.29 0.00 79.39 0.00 57.76 0.00 379.30 587.40 80.12 464.77 15,169.75 3,901.64 2,054.99 15,246.70 0.00 48,444.83

1,423.76 2,048.23 5,216.86 7,415.66 10,021.73 10,423.02 10,423.02 10,502.41 10,502.41 10,560.17 10,560.17 10,939.47 11,526.87 11,606.99 12,071.76 27,241.51 31,143.15 33,198.13 48,444.83 48,444.83

2.94 2.94 34.58 1.29 4.23 14.92 6.54 10.77 34.10 4.54 15.31 37.45 5.38 20.69 39.82 0.83 21.52 12.11 0.00 21.52 0.00 0.16 21.68 3.78 0.00 21.68 0.00 0.12 21.80 5.74 0.00 21.80 0.00 0.78 22.58 33.57 1.21 23.79 81.53 0.17 23.96 7.26 0.96 24.92 55.99 31.31 56.23 505.94 8.05 64.29 203.41 4.24 68.53 37.16 31.47 100.00 887.24 0.00 100.00 0.00

34.58 24.67 29.65 31.60 33.39 31.28 28.90 27.52 26.50 25.98 25.52 25.73 26.66 26.18 26.73 56.56 62.19 59.70 84.50 84.14

84.14

Page 84 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,643 1,634 1,953 986 1,050 505 342 282 180 81 51 49 47 87 40 79 74 82 68 9 10,242

2,643 4,277 6,230 7,216 8,266 8,771 9,113 9,395 9,575 9,656 9,707 9,756 9,803 9,890 9,930 10,009 10,083 10,165 10,233 10,242

25.81 25.81 15.95 41.76 19.07 60.83 9.63 70.45 10.25 80.71 4.93 85.64 3.34 88.98 2.75 91.73 1.76 93.49 0.79 94.28 0.50 94.78 0.48 95.25 0.46 95.71 0.85 96.56 0.39 96.95 0.77 97.73 0.72 98.45 0.80 99.25 0.66 99.91 0.09 100.00

912.60 422.44 960.41 845.26 1,385.56 1,069.09 925.88 1,074.42 802.88 417.14 247.88 296.67 255.76 490.37 331.43 1,218.15 1,215.36 973.53 1,824.58 108.17 15,777.61

912.60 1,335.05 2,295.46 3,140.73 4,526.29 5,595.37 6,521.26 7,595.68 8,398.55 8,815.70 9,063.58 9,360.25 9,616.01 10,106.38 10,437.81 11,655.96 12,871.32 13,844.86 15,669.44 15,777.61

5.78 5.78 2.68 8.46 6.09 14.55 5.36 19.91 8.78 28.69 6.78 35.46 5.87 41.33 6.81 48.14 5.09 53.23 2.64 55.87 1.57 57.45 1.88 59.33 1.62 60.95 3.11 64.06 2.10 66.16 7.72 73.88 7.70 81.58 6.17 87.75 11.56 99.31 0.69 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 5 2 12 7 11 6 2 2 3 0 0 0 2 7 9 8 27 8 13 0 124

5 7 19 26 37 43 45 47 50 50 50 50 52 59 68 76 103 111 124 124

4.03 4.03 1.61 5.65 9.68 15.32 5.65 20.97 8.87 29.84 4.84 34.68 1.61 36.29 1.61 37.90 2.42 40.32 0.00 40.32 0.00 40.32 0.00 40.32 1.61 41.94 5.65 47.58 7.26 54.84 6.45 61.29 21.77 83.06 6.45 89.52 10.48 100.00 0.00 100.00

160.92 18.43 620.82 380.91 923.58 290.74 607.67 7.86 6.49 0.00 0.00 0.00 3.49 321.90 218.39 190.90 999.19 45.16 1,807.21 0.00 6,603.65

160.92 179.35 800.17 1,181.09 2,104.66 2,395.40 3,003.07 3,010.93 3,017.42 3,017.42 3,017.42 3,017.42 3,020.91 3,342.80 3,561.20 3,752.10 4,751.29 4,796.44 6,603.65 6,603.65

2.44 2.44 0.28 2.72 9.40 12.12 5.77 17.89 13.99 31.87 4.40 36.27 9.20 45.48 0.12 45.59 0.10 45.69 0.00 45.69 0.00 45.69 0.00 45.69 0.05 45.75 4.87 50.62 3.31 53.93 2.89 56.82 15.13 71.95 0.68 72.63 27.37 100.00 0.00 100.00

17.63 4.36 64.64 45.06 66.66 27.19 65.63 0.73 0.81 0.00 0.00 0.00 1.36 65.64 65.89 15.67 82.21 4.64 99.05 0.00

17.63 13.43 34.86 37.61 46.50 42.81 46.05 39.64 35.93 34.23 33.29 32.24 31.42 33.08 34.12 32.19 36.91 34.64 42.14 41.85

41.85

Page 85 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,074 3,024 3,847 1,963 1,991 1,071 604 492 326 187 140 170 117 177 103 215 167 86 82 40 17,876

3,074 6,098 9,945 11,908 13,899 14,970 15,574 16,066 16,392 16,579 16,719 16,889 17,006 17,183 17,286 17,501 17,668 17,754 17,836 17,876

17.20 17.20 16.92 34.11 21.52 55.63 10.98 66.61 11.14 77.75 5.99 83.74 3.38 87.12 2.75 89.87 1.82 91.70 1.05 92.74 0.78 93.53 0.95 94.48 0.65 95.13 0.99 96.12 0.58 96.70 1.20 97.90 0.93 98.84 0.48 99.32 0.46 99.78 0.22 100.00

1,626.67 575.49 1,285.45 1,120.57 1,835.06 1,601.26 1,440.44 1,372.82 1,033.30 853.41 643.95 782.26 708.36 1,269.17 992.01 1,985.32 2,330.88 1,300.86 1,623.09 546.30 24,926.69

1,626.67 2,202.16 3,487.62 4,608.19 6,443.25 8,044.51 9,484.95 10,857.77 11,891.08 12,744.49 13,388.43 14,170.69 14,879.06 16,148.23 17,140.24 19,125.56 21,456.44 22,757.30 24,380.40 24,926.69

6.53 6.53 2.31 8.83 5.16 13.99 4.50 18.49 7.36 25.85 6.42 32.27 5.78 38.05 5.51 43.56 4.15 47.70 3.42 51.13 2.58 53.71 3.14 56.85 2.84 59.69 5.09 64.78 3.98 68.76 7.96 76.73 9.35 86.08 5.22 91.30 6.51 97.81 2.19 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 16 8 4 8 4 5 8 4 6 4 0 0 0 8 6 10 14 11 27 40 183

16 24 28 36 40 45 53 57 63 67 67 67 67 75 81 91 105 116 143 183

8.74 8.74 4.37 13.11 2.19 15.30 4.37 19.67 2.19 21.86 2.73 24.59 4.37 28.96 2.19 31.15 3.28 34.43 2.19 36.61 0.00 36.61 0.00 36.61 0.00 36.61 4.37 40.98 3.28 44.26 5.46 49.73 7.65 57.38 6.01 63.39 14.75 78.14 21.86 100.00

192.29 143.56 255.98 43.90 13.83 63.98 26.12 445.29 234.74 5,881.04 0.00 0.00 0.00 253.10 842.36 1,346.79 790.44 3,907.99 4,415.60 464.30 19,321.29

192.29 335.85 591.83 635.72 649.55 713.53 739.65 1,184.94 1,419.67 7,300.71 7,300.71 7,300.71 7,300.71 7,553.82 8,396.17 9,742.96 10,533.40 14,441.38 18,856.98 19,321.29

1.00 1.00 11.82 0.74 1.74 24.95 1.32 3.06 19.91 0.23 3.29 3.92 0.07 3.36 0.75 0.33 3.69 4.00 0.14 3.83 1.81 2.30 6.13 32.44 1.21 7.35 22.72 30.44 37.79 689.12 0.00 37.79 0.00 0.00 37.79 0.00 0.00 37.79 0.00 1.31 39.10 19.94 4.36 43.46 84.91 6.97 50.43 67.84 4.09 54.52 33.91 20.23 74.74 300.41 22.85 97.60 272.05 2.40 100.00 84.99

11.82 15.25 16.97 13.80 10.08 8.87 7.80 10.91 11.94 57.29 54.53 51.52 49.07 46.78 48.99 50.94 49.09 63.46 77.34 77.51

77.51

Page 86 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,851 3,410 5,455 3,563 4,179 2,230 1,558 1,347 714 406 292 309 277 303 203 357 305 179 264 101 29,303

3,851 7,261 12,716 16,279 20,458 22,688 24,246 25,593 26,307 26,713 27,005 27,314 27,591 27,894 28,097 28,454 28,759 28,938 29,202 29,303

13.14 13.14 11.64 24.78 18.62 43.39 12.16 55.55 14.26 69.82 7.61 77.43 5.32 82.74 4.60 87.34 2.44 89.78 1.39 91.16 1.00 92.16 1.05 93.21 0.95 94.16 1.03 95.19 0.69 95.88 1.22 97.10 1.04 98.14 0.61 98.75 0.90 99.66 0.34 100.00

3,086.87 817.71 2,133.68 2,216.29 4,443.67 3,615.74 3,889.06 4,282.86 2,713.21 1,711.89 1,480.26 2,037.40 1,674.75 2,296.42 1,577.23 3,335.05 3,853.50 2,127.57 4,133.81 3,238.45 54,665.43

3,086.87 3,904.58 6,038.26 8,254.55 12,698.22 16,313.96 20,203.02 24,485.88 27,199.09 28,910.98 30,391.24 32,428.64 34,103.40 36,399.82 37,977.05 41,312.10 45,165.59 47,293.16 51,426.98 54,665.43

5.65 5.65 1.50 7.14 3.90 11.05 4.05 15.10 8.13 23.23 6.61 29.84 7.11 36.96 7.83 44.79 4.96 49.76 3.13 52.89 2.71 55.59 3.73 59.32 3.06 62.39 4.20 66.59 2.89 69.47 6.10 75.57 7.05 82.62 3.89 86.51 7.56 94.08 5.92 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 35 8 37 9 21 12 3 6 11 8 15 9 2 6 11 6 18 20 54 51 342

35 43 80 89 110 122 125 131 142 150 165 174 176 182 193 199 217 237 291 342

10.23 10.23 2.34 12.57 10.82 23.39 2.63 26.02 6.14 32.16 3.51 35.67 0.88 36.55 1.75 38.30 3.22 41.52 2.34 43.86 4.39 48.25 2.63 50.88 0.58 51.46 1.75 53.22 3.22 56.43 1.75 58.19 5.26 63.45 5.85 69.30 15.79 85.09 14.91 100.00

215,400.91 204.46 1,234.27 192.39 1,477.38 381.71 73.46 530.30 1,380.33 156.02 5,245.22 1,560.17 0.00 350.79 1,511.20 116.84 1,710.73 4,134.37 86,326.86 2,828.61 324,816.04

215,400.91 215,605.38 216,839.64 217,032.03 218,509.41 218,891.13 218,964.59 219,494.89 220,875.22 221,031.24 226,276.46 227,836.63 227,836.63 228,187.41 229,698.61 229,815.46 231,526.19 235,660.56 321,987.42 324,816.04

66.31 66.31 0.06 66.38 0.38 66.76 0.06 66.82 0.45 67.27 0.12 67.39 0.02 67.41 0.16 67.58 0.42 68.00 0.05 68.05 1.61 69.66 0.48 70.14 0.00 70.14 0.11 70.25 0.47 70.72 0.04 70.75 0.53 71.28 1.27 72.55 26.58 99.13 0.87 100.00

LOSS RATIO PERCENTAGE BAND CUM. 6,977,97 25.00 57.85 8.68 33.25 10.56 1.89 12.38 50.87 9.11 354.34 76.58 0.00 15.28 95.81 3.50 44.39 194.32 2,088,31 87.34

6,977,97 5,521,86 3,591,09 2,629,24 1,720,79 1,341,74 1,083,82 896.41 812.07 764.52 744.54 702.58 668.08 626.89 604.84 556.29 512.62 498.30 626.11 594.19

594.19

Page 87 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,562 1,605 2,882 2,051 2,156 1,133 836 670 442 240 156 190 105 198 95 132 87 23 38 8 14,609

1,562 3,167 6,049 8,100 10,256 11,389 12,225 12,895 13,337 13,577 13,733 13,923 14,028 14,226 14,321 14,453 14,540 14,563 14,601 14,609

10.69 10.69 10.99 21.68 19.73 41.41 14.04 55.45 14.76 70.20 7.76 77.96 5.72 83.68 4.59 88.27 3.03 91.29 1.64 92.94 1.07 94.00 1.30 95.30 0.72 96.02 1.36 97.38 0.65 98.03 0.90 98.93 0.60 99.53 0.16 99.69 0.26 99.95 0.05 100.00

759.15 320.96 961.72 1,053.50 1,866.87 1,678.83 1,790.41 2,021.34 1,688.39 1,200.95 929.36 1,066.86 704.89 1,949.58 900.53 1,943.25 1,503.94 324.79 381.73 127.62 23,174.66

759.15 1,080.11 2,041.83 3,095.33 4,962.20 6,641.03 8,431.44 10,452.77 12,141.17 13,342.12 14,271.48 15,338.34 16,043.23 17,992.80 18,893.34 20,836.58 22,340.52 22,665.31 23,047.04 23,174.66

3.28 3.28 1.38 4.66 4.15 8.81 4.55 13.36 8.06 21.41 7.24 28.66 7.73 36.38 8.72 45.10 7.29 52.39 5.18 57.57 4.01 61.58 4.60 66.19 3.04 69.23 8.41 77.64 3.89 81.53 8.39 89.91 6.49 96.40 1.40 97.80 1.65 99.45 0.55 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2 4 3 4 16 4 2 2 5 2 0 0 0 8 2 2 3 5 5 7 76

2 6 9 13 29 33 35 37 42 44 44 44 44 52 54 56 59 64 69 76

2.63 2.63 5.26 7.89 3.95 11.84 5.26 17.11 21.05 38.16 5.26 43.42 2.63 46.05 2.63 48.68 6.58 55.26 2.63 57.89 0.00 57.89 0.00 57.89 0.00 57.89 10.53 68.42 2.63 71.05 2.63 73.68 3.95 77.63 6.58 84.21 6.58 90.79 9.21 100.00

140.32 100.66 209.01 226.17 1,530.42 822.82 679.70 396.69 1,231.32 6.65 0.00 0.00 0.00 4,827.03 0.00 32.24 133.44 814.38 1,476.01 7,417.52 20,044.38

140.32 240.99 450.00 676.16 2,206.58 3,029.40 3,709.11 4,105.79 5,337.12 5,343.76 5,343.76 5,343.76 5,343.76 10,170.79 10,170.79 10,203.03 10,336.47 11,150.85 12,626.86 20,044.38

0.70 0.70 0.50 1.20 1.04 2.25 1.13 3.37 7.64 11.01 4.10 15.11 3.39 18.50 1.98 20.48 6.14 26.63 0.03 26.66 0.00 26.66 0.00 26.66 0.00 26.66 24.08 50.74 0.00 50.74 0.16 50.90 0.67 51.57 4.06 55.63 7.36 62.99 37.01 100.00

LOSS RATIO PERCENTAGE BAND CUM. 18.48 31.36 21.73 21.47 81.98 49.01 37.96 19.63 72.93 0.55 0.00 0.00 0.00 247.59 0.00 1.66 8.87 250.74 386.66 5,812,22

18.48 22.31 22.04 21.84 44.47 45.62 43.99 39.28 43.96 40.05 37.44 34.84 33.31 56.53 53.83 48.97 46.27 49.20 54.79 86.49

86.49

Page 88 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,528 1,306 1,637 1,056 1,062 547 427 318 178 97 60 86 56 83 21 40 33 19 8 2 8,564

1,528 2,834 4,471 5,527 6,589 7,136 7,563 7,881 8,059 8,156 8,216 8,302 8,358 8,441 8,462 8,502 8,535 8,554 8,562 8,564

17.84 17.84 15.25 33.09 19.11 52.21 12.33 64.54 12.40 76.94 6.39 83.33 4.99 88.31 3.71 92.02 2.08 94.10 1.13 95.24 0.70 95.94 1.00 96.94 0.65 97.59 0.97 98.56 0.25 98.81 0.47 99.28 0.39 99.66 0.22 99.88 0.09 99.98 0.02 100.00

319.93 332.32 730.53 852.00 1,464.65 1,253.48 1,415.56 1,430.91 1,092.47 795.45 514.64 756.52 509.98 451.28 354.98 724.30 503.12 258.33 276.81 0.07 14,037.32

319.93 652.25 1,382.77 2,234.78 3,699.43 4,952.90 6,368.46 7,799.37 8,891.84 9,687.29 10,201.93 10,958.45 11,468.43 11,919.71 12,274.69 12,998.98 13,502.10 13,760.44 14,037.25 14,037.32

2.28 2.28 2.37 4.65 5.20 9.85 6.07 15.92 10.43 26.35 8.93 35.28 10.08 45.37 10.19 55.56 7.78 63.34 5.67 69.01 3.67 72.68 5.39 78.07 3.63 81.70 3.21 84.91 2.53 87.44 5.16 92.60 3.58 96.19 1.84 98.03 1.97 100.00 0.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 4 2 0 0 2 0 3 2 0 0 0 0 0 0 0 0 0 0 0 0 13

4 6 6 6 8 8 11 13 13 13 13 13 13 13 13 13 13 13 13 13

30.77 15.38 0.00 0.00 15.38 0.00 23.08 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

30.77 46.15 46.15 46.15 61.54 61.54 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

4.50 13.72 0.00 0.00 4.00 0.00 920.66 37.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 980.28

4.50 18.22 18.22 18.22 22.22 22.22 942.88 980.28 980.28 980.28 980.28 980.28 980.28 980.28 980.28 980.28 980.28 980.28 980.28 980.28

0.46 1.40 0.00 0.00 0.41 0.00 93.92 3.82 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.46 1.86 1.86 1.86 2.27 2.27 96.18 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

1.41 4.13 0.00 0.00 0.27 0.00 65.04 2.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1.41 2.79 1.32 0.82 0.60 0.45 14.81 12.57 11.02 10.12 9.61 8.95 8.55 8.22 7.99 7.54 7.26 7.12 6.98 6.98

6.98

Page 89 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,369 4,968 7,215 4,162 4,465 2,359 1,429 1,228 703 382 308 338 236 308 191 291 239 128 135 36 34,490

5,369 10,337 17,552 21,714 26,179 28,538 29,967 31,195 31,898 32,280 32,588 32,926 33,162 33,470 33,661 33,952 34,191 34,319 34,454 34,490

15.57 15.57 14.40 29.97 20.92 50.89 12.07 62.96 12.95 75.90 6.84 82.74 4.14 86.89 3.56 90.45 2.04 92.48 1.11 93.59 0.89 94.49 0.98 95.47 0.68 96.15 0.89 97.04 0.55 97.60 0.84 98.44 0.69 99.13 0.37 99.50 0.39 99.90 0.10 100.00

889.33 1,089.36 2,278.93 (2,659,00) 4,445.45 3,614.45 2,869.19 3,433.74 2,429.60 1,466.15 1,381.37 1,962.16 1,570.19 2,566.01 1,863.09 4,382.99 3,316.21 1,867.69 3,291.24 2,371.35 44,429.49

889.33 1,978.69 4,257.61 1,598.61 6,044.06 9,658.51 12,527.70 15,961.44 18,391.04 19,857.19 21,238.56 23,200.72 24,770.91 27,336.92 29,200.01 33,583.00 36,899.21 38,766.90 42,058.14 44,429.49

2.00 2.00 2.45 4.45 5.13 9.58 (5,98) 3.60 10.01 13.60 8.14 21.74 6.46 28.20 7.73 35.93 5.47 41.39 3.30 44.69 3.11 47.80 4.42 52.22 3.53 55.75 5.78 61.53 4.19 65.72 9.87 75.59 7.46 83.05 4.20 87.25 7.41 94.66 5.34 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 27 8 9 2 18 4 9 2 4 4 0 2 2 3 0 17 11 6 8 9 145

27 35 44 46 64 68 77 79 83 87 87 89 91 94 94 111 122 128 136 145

18.62 18.62 5.52 24.14 6.21 30.34 1.38 31.72 12.41 44.14 2.76 46.90 6.21 53.10 1.38 54.48 2.76 57.24 2.76 60.00 0.00 60.00 1.38 61.38 1.38 62.76 2.07 64.83 0.00 64.83 11.72 76.55 7.59 84.14 4.14 88.28 5.52 93.79 6.21 100.00

4,756.40 163.72 403.18 42.42 532.09 74.13 1,033.42 17.12 115.15 86.21 0.00 10.00 43.62 409.43 0.00 750.92 1,238.75 1,454.90 1,772.41 2,588.92 15,492.79

4,756.40 4,920.13 5,323.31 5,365.72 5,897.81 5,971.95 7,005.37 7,022.49 7,137.64 7,223.85 7,223.85 7,233.85 7,277.47 7,686.90 7,686.90 8,437.82 9,676.57 11,131.47 12,903.87 15,492.79

30.70 30.70 534.83 534.83 1.06 31.76 15.03 248.66 2.60 34.36 17.69 125.03 0.27 34.63 (1,60) 335.65 3.43 38.07 11.97 97.58 0.48 38.55 2.05 61.83 6.67 45.22 36.02 55.92 0.11 45.33 0.50 44.00 0.74 46.07 4.74 38.81 0.56 46.63 5.88 36.38 0.00 46.63 0.00 34.01 0.06 46.69 0.51 31.18 0.28 46.97 2.78 29.38 2.64 49.62 15.96 28.12 0.00 49.62 0.00 26.32 4.85 54.46 17.13 25.13 8.00 62.46 37.35 26.22 9.39 71.85 77.90 28.71 11.44 83.29 53.85 30.68 16.71 100.00 109.17 34.87 34.87

Page 90 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 837 620 874 618 695 405 230 182 97 57 51 75 30 52 10 19 27 3 8 7 4,712

837 1,457 2,331 2,949 3,644 4,049 4,279 4,461 4,558 4,615 4,666 4,741 4,771 4,823 4,833 4,852 4,879 4,882 4,890 4,897

17.09 17.09 12.66 29.75 17.85 47.60 12.62 60.22 14.19 74.41 8.27 82.68 4.70 87.38 3.72 91.10 1.98 93.08 1.16 94.24 1.04 95.28 1.53 96.81 0.61 97.43 1.06 98.49 0.20 98.69 0.39 99.08 0.55 99.63 0.06 99.69 0.16 99.86 0.14 100.00

315.36 159.99 295.00 394.53 769.50 770.19 578.65 683.48 364.29 253.51 254.41 403.77 267.57 428.69 134.34 227.69 460.62 54.91 61.82 163.74 5,877.17

315.36 475.35 770.36 1,164.88 1,934.39 2,704.58 3,283.24 3,966.71 4,331.00 4,584.52 4,838.92 5,242.70 5,510.27 5,938.96 6,073.30 6,300.99 6,761.61 6,816.52 6,878.35 7,042.09

4.48 4.48 2.27 6.75 4.19 10.94 5.60 16.54 10.93 27.47 10.94 38.41 8.22 46.62 9.71 56.33 5.17 61.50 3.60 65.10 3.61 68.71 5.73 74.45 3.80 78.25 6.09 84.34 1.91 86.24 3.23 89.48 6.54 96.02 0.78 96.80 0.88 97.67 2.33 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 0 16

0 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 4 4

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 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 50.00 100.00 0.00 100.00

0.00 10.21 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 0.00 0.00 49.46 0.00 1,207.41

0.00 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 10.21 59.67 59.67

0.00 0.00 17.11 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 0.00 17.11 82.89 100.00 0.00 100.00

0.00 6.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 80.00 0.00

0.00 2.15 1.33 0.88 0.53 0.38 0.31 0.26 0.24 0.22 0.21 0.19 0.19 0.17 0.17 0.16 0.15 0.15 0.87 0.85

20.54

Page 91 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,570 2,914 4,336 2,751 3,626 2,327 2,155 1,933 1,394 854 600 778 424 506 367 479 398 138 195 55 30,800

4,570 7,484 11,820 14,571 18,197 20,524 22,679 24,612 26,006 26,860 27,460 28,238 28,662 29,168 29,535 30,014 30,412 30,550 30,745 30,800

14.84 14.84 9.46 24.30 14.08 38.38 8.93 47.31 11.77 59.08 7.56 66.64 7.00 73.63 6.28 79.91 4.53 84.44 2.77 87.21 1.95 89.16 2.53 91.68 1.38 93.06 1.64 94.70 1.19 95.89 1.56 97.45 1.29 98.74 0.45 99.19 0.63 99.82 0.18 100.00

2,648.72 521.25 1,376.79 1,387.94 2,957.83 2,787.78 3,395.79 4,384.09 4,216.00 3,026.83 2,650.81 3,807.10 2,566.88 3,615.36 3,420.68 5,886.13 4,705.28 1,772.64 2,875.84 1,225.36 59,229.09

2,648.72 3,169.97 4,546.75 5,934.69 8,892.52 11,680.30 15,076.09 19,460.18 23,676.18 26,703.01 29,353.82 33,160.92 35,727.81 39,343.17 42,763.85 48,649.97 53,355.25 55,127.89 58,003.73 59,229.09

4.47 4.47 0.88 5.35 2.32 7.68 2.34 10.02 4.99 15.01 4.71 19.72 5.73 25.45 7.40 32.86 7.12 39.97 5.11 45.08 4.48 49.56 6.43 55.99 4.33 60.32 6.10 66.43 5.78 72.20 9.94 82.14 7.94 90.08 2.99 93.08 4.86 97.93 2.07 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 63 6 10 6 14 19 13 21 43 37 16 22 25 30 36 22 44 37 59 24 547

63 69 79 85 99 118 131 152 195 232 248 270 295 325 361 383 427 464 523 547

11.52 11.52 1.10 12.61 1.83 14.44 1.10 15.54 2.56 18.10 3.47 21.57 2.38 23.95 3.84 27.79 7.86 35.65 6.76 42.41 2.93 45.34 4.02 49.36 4.57 53.93 5.48 59.41 6.58 66.00 4.02 70.02 8.04 78.06 6.76 84.83 10.79 95.61 4.39 100.00

6,741.97 360.69 40.91 41.14 173.16 237.14 367.80 56.90 414.18 1,127.57 165.77 270.58 292.82 4,218.16 1,360.89 345.63 3,158.84 867.15 14,276.61 480.51 34,998.42

6,741.97 7,102.67 7,143.57 7,184.71 7,357.87 7,595.01 7,962.81 8,019.71 8,433.89 9,561.46 9,727.23 9,997.81 10,290.63 14,508.80 15,869.68 16,215.31 19,374.15 20,241.30 34,517.91 34,998.42

19.26 19.26 254.54 254.54 1.03 20.29 69.20 224.06 0.12 20.41 2.97 157.11 0.12 20.53 2.96 121.06 0.49 21.02 5.85 82.74 0.68 21.70 8.51 65.02 1.05 22.75 10.83 52.82 0.16 22.91 1.30 41.21 1.18 24.10 9.82 35.62 3.22 27.32 37.25 35.81 0.47 27.79 6.25 33.14 0.77 28.57 7.11 30.15 0.84 29.40 11.41 28.80 12.05 41.46 116.67 36.88 3.89 45.34 39.78 37.11 0.99 46.33 5.87 33.33 9.03 55.36 67.13 36.31 2.48 57.83 48.92 36.72 40.79 98.63 496.43 59.51 1.37 100.00 39.21 59.09 59.09

Page 92 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,412 1,471 1,878 941 1,056 492 318 315 139 103 77 113 65 69 39 70 56 16 21 8 8,659

1,412 2,883 4,761 5,702 6,758 7,250 7,568 7,883 8,022 8,125 8,202 8,315 8,380 8,449 8,488 8,558 8,614 8,630 8,651 8,659

16.31 16.31 16.99 33.29 21.69 54.98 10.87 65.85 12.20 78.05 5.68 83.73 3.67 87.40 3.64 91.04 1.61 92.64 1.19 93.83 0.89 94.72 1.31 96.03 0.75 96.78 0.80 97.57 0.45 98.03 0.81 98.83 0.65 99.48 0.18 99.67 0.24 99.91 0.09 100.00

361.95 322.56 840.11 736.93 1,085.79 827.54 709.39 820.20 601.03 484.68 344.40 581.99 451.35 512.85 347.65 915.49 539.82 221.83 312.06 434.40 11,452.00

361.95 684.51 1,524.62 2,261.55 3,347.35 4,174.88 4,884.27 5,704.47 6,305.50 6,790.17 7,134.57 7,716.57 8,167.91 8,680.76 9,028.41 9,943.90 10,483.71 10,705.54 11,017.61 11,452.00

3.16 3.16 2.82 5.98 7.34 13.31 6.43 19.75 9.48 29.23 7.23 36.46 6.19 42.65 7.16 49.81 5.25 55.06 4.23 59.29 3.01 62.30 5.08 67.38 3.94 71.32 4.48 75.80 3.04 78.84 7.99 86.83 4.71 91.54 1.94 93.48 2.72 96.21 3.79 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 10 4 0 2 2 0 0 2 2 2 0 2 2 0 6 3 2 7 4 0 50

10 14 14 16 18 18 18 20 22 24 24 26 28 28 34 37 39 46 50 50

20.00 20.00 8.00 28.00 0.00 28.00 4.00 32.00 4.00 36.00 0.00 36.00 0.00 36.00 4.00 40.00 4.00 44.00 4.00 48.00 0.00 48.00 4.00 52.00 4.00 56.00 0.00 56.00 12.00 68.00 6.00 74.00 4.00 78.00 14.00 92.00 8.00 100.00 0.00 100.00

115.57 0.22 0.00 15.30 1.34 0.00 0.00 1,882.86 54.79 8.58 0.00 193.08 4.45 0.00 20.42 364.31 26.18 505.54 184.95 0.00 3,377.61

115.57 115.80 115.80 131.10 132.44 132.44 132.44 2,015.31 2,070.10 2,078.68 2,078.68 2,271.76 2,276.21 2,276.21 2,296.62 2,660.94 2,687.12 3,192.66 3,377.61 3,377.61

3.42 3.42 31.93 0.01 3.43 0.07 0.00 3.43 0.00 0.45 3.88 2.08 0.04 3.92 0.12 0.00 3.92 0.00 0.00 3.92 0.00 55.75 59.67 229.56 1.62 61.29 9.12 0.25 61.54 1.77 0.00 61.54 0.00 5.72 67.26 33.18 0.13 67.39 0.98 0.00 67.39 0.00 0.60 68.00 5.87 10.79 78.78 39.79 0.77 79.56 4.85 14.97 94.52 227.89 5.48 100.00 59.27 0.00 100.00 0.00

31.93 16.92 7.60 5.80 3.96 3.17 2.71 35.33 32.83 30.61 29.14 29.44 27.87 26.22 25.44 26.76 25.63 29.82 30.66 29.49

29.49

Page 93 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 711 914 1,282 748 798 519 383 325 170 92 63 61 39 65 22 27 22 8 4 0 6,253

711 1,625 2,907 3,655 4,453 4,972 5,355 5,680 5,850 5,942 6,005 6,066 6,105 6,170 6,192 6,219 6,241 6,249 6,253 6,253

11.37 11.37 14.62 25.99 20.50 46.49 11.96 58.45 12.76 71.21 8.30 79.51 6.13 85.64 5.20 90.84 2.72 93.56 1.47 95.03 1.01 96.03 0.98 97.01 0.62 97.63 1.04 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

240.17 183.79 476.80 504.06 1,069.41 980.37 1,074.33 1,238.76 837.19 517.85 379.49 487.39 352.07 647.50 238.39 368.43 371.61 22.53 57.40 0.00 10,047.56

240.17 423.95 900.75 1,404.82 2,474.23 3,454.60 4,528.93 5,767.70 6,604.89 7,122.74 7,502.24 7,989.63 8,341.70 8,989.20 9,227.59 9,596.02 9,967.63 9,990.16 10,047.56 10,047.56

2.39 2.39 1.83 4.22 4.75 8.96 5.02 13.98 10.64 24.63 9.76 34.38 10.69 45.07 12.33 57.40 8.33 65.74 5.15 70.89 3.78 74.67 4.85 79.52 3.50 83.02 6.44 89.47 2.37 91.84 3.67 95.51 3.70 99.20 0.22 99.43 0.57 100.00 0.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 2 0 0 4 0 0 6 0 0 0 0 0 0 4 0 0 5 0 0 0 21

2 2 2 6 6 6 12 12 12 12 12 12 12 16 16 16 21 21 21 21

9.52 0.00 0.00 19.05 0.00 0.00 28.57 0.00 0.00 0.00 0.00 0.00 0.00 19.05 0.00 0.00 23.81 0.00 0.00 0.00

9.52 9.52 9.52 28.57 28.57 28.57 57.14 57.14 57.14 57.14 57.14 57.14 57.14 76.19 76.19 76.19 100.00 100.00 100.00 100.00

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

61.16 999.54 999.54 61.16 0.00 566.23 61.16 0.00 266.51 68.27 55.37 190.75 68.27 0.00 108.30 68.27 0.00 77.57 93.98 93.94 81.45 93.98 0.00 63.96 93.98 0.00 55.85 93.98 0.00 51.79 93.98 0.00 49.17 93.98 0.00 46.17 93.98 0.00 44.22 99.03 30.61 43.24 99.03 0.00 42.12 99.03 0.00 40.51 100.00 10.27 39.38 100.00 0.00 39.29 100.00 0.00 39.07 100.00 0.00 39.07 39.07

Page 94 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 237 382 557 357 365 212 171 155 76 52 42 31 31 33 18 32 19 12 10 2 2,794

237 619 1,176 1,533 1,898 2,110 2,281 2,436 2,512 2,564 2,606 2,637 2,668 2,701 2,719 2,751 2,770 2,782 2,792 2,794

8.48 8.48 13.67 22.15 19.94 42.09 12.78 54.87 13.06 67.93 7.59 75.52 6.12 81.64 5.55 87.19 2.72 89.91 1.86 91.77 1.50 93.27 1.11 94.38 1.11 95.49 1.18 96.67 0.64 97.32 1.15 98.46 0.68 99.14 0.43 99.57 0.36 99.93 0.07 100.00

324.26 105.26 237.91 261.55 480.03 409.48 485.29 591.97 427.47 286.44 270.85 217.16 241.33 295.71 132.95 456.43 425.04 122.25 210.89 203.93 6,186.20

324.26 429.52 667.44 928.99 1,409.01 1,818.49 2,303.78 2,895.75 3,323.22 3,609.66 3,880.51 4,097.67 4,339.00 4,634.71 4,767.66 5,224.09 5,649.13 5,771.38 5,982.27 6,186.20

5.24 5.24 1.70 6.94 3.85 10.79 4.23 15.02 7.76 22.78 6.62 29.40 7.84 37.24 9.57 46.81 6.91 53.72 4.63 58.35 4.38 62.73 3.51 66.24 3.90 70.14 4.78 74.92 2.15 77.07 7.38 84.45 6.87 91.32 1.98 93.29 3.41 96.70 3.30 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 3 0 0 0 0 2 0 0 2 0 0 0 0 0 0 2 1 2 0 0 12

3 3 3 3 3 5 5 5 7 7 7 7 7 7 7 9 10 12 12 12

25.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 0.00 25.00 16.67 41.67 0.00 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 0.00 58.33 0.00 58.33 16.67 75.00 8.33 83.33 16.67 100.00 0.00 100.00 0.00 100.00

228.33 0.00 0.00 0.00 0.00 108.41 0.00 0.00 4.64 0.00 0.00 0.00 0.00 0.00 0.00 53.79 0.00 53.94 0.00 0.00 449.11

228.33 228.33 228.33 228.33 228.33 336.74 336.74 336.74 341.38 341.38 341.38 341.38 341.38 341.38 341.38 395.17 395.17 449.11 449.11 449.11

50.84 50.84 0.00 50.84 0.00 50.84 0.00 50.84 0.00 50.84 24.14 74.98 0.00 74.98 0.00 74.98 1.03 76.01 0.00 76.01 0.00 76.01 0.00 76.01 0.00 76.01 0.00 76.01 0.00 76.01 11.98 87.99 0.00 87.99 12.01 100.00 0.00 100.00 0.00 100.00

70.42 0.00 0.00 0.00 0.00 26.47 0.00 0.00 1.08 0.00 0.00 0.00 0.00 0.00 0.00 11.79 0.00 44.12 0.00 0.00

70.42 53.16 34.21 24.58 16.20 18.52 14.62 11.63 10.27 9.46 8.80 8.33 7.87 7.37 7.16 7.56 7.00 7.78 7.51 7.26

7.26

Page 95 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 787 748 1,330 1,014 1,283 705 538 399 283 143 120 117 88 104 54 59 48 16 28 2 7,866

787 1,535 2,865 3,879 5,162 5,867 6,405 6,804 7,087 7,230 7,350 7,467 7,555 7,659 7,713 7,772 7,820 7,836 7,864 7,866

10.01 10.01 9.51 19.51 16.91 36.42 12.89 49.31 16.31 65.62 8.96 74.59 6.84 81.43 5.07 86.50 3.60 90.10 1.82 91.91 1.53 93.44 1.49 94.93 1.12 96.05 1.32 97.37 0.69 98.05 0.75 98.80 0.61 99.42 0.20 99.62 0.36 99.97 0.03 100.00

457.56 201.24 548.92 680.58 1,682.87 1,524.14 1,635.51 1,669.85 1,777.33 1,043.49 867.22 1,110.61 1,065.63 1,239.35 800.05 1,010.53 764.10 396.81 484.40 193.89 19,154.10

457.56 658.80 1,207.73 1,888.30 3,571.17 5,095.31 6,730.82 8,400.68 10,178.01 11,221.50 12,088.72 13,199.33 14,264.96 15,504.31 16,304.36 17,314.90 18,079.00 18,475.81 18,960.21 19,154.10

2.39 2.39 1.05 3.44 2.87 6.31 3.55 9.86 8.79 18.64 7.96 26.60 8.54 35.14 8.72 43.86 9.28 53.14 5.45 58.59 4.53 63.11 5.80 68.91 5.56 74.47 6.47 80.95 4.18 85.12 5.28 90.40 3.99 94.39 2.07 96.46 2.53 98.99 1.01 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 4 2 6 2 0 9 0 5 3 0 0 0 0 0 3 0 0 0 34

0 0 4 6 12 14 14 23 23 28 31 31 31 31 31 31 34 34 34 34

0.00 0.00 11.76 5.88 17.65 5.88 0.00 26.47 0.00 14.71 8.82 0.00 0.00 0.00 0.00 0.00 8.82 0.00 0.00 0.00

0.00 0.00 11.76 17.65 35.29 41.18 41.18 67.65 67.65 82.35 91.18 91.18 91.18 91.18 91.18 91.18 100.00 100.00 100.00 100.00

0.00 0.00 137.91 337.48 368.72 6.20 0.00 519.55 0.00 267.25 145.84 0.00 0.00 0.00 0.00 0.00 44.79 0.00 0.00 0.00 1,827.74

0.00 0.00 137.91 475.38 844.10 850.31 850.31 1,369.86 1,369.86 1,637.11 1,782.95 1,782.95 1,782.95 1,782.95 1,782.95 1,782.95 1,827.74 1,827.74 1,827.74 1,827.74

0.00 0.00 7.55 18.46 20.17 0.34 0.00 28.43 0.00 14.62 7.98 0.00 0.00 0.00 0.00 0.00 2.45 0.00 0.00 0.00

0.00 0.00 7.55 26.01 46.18 46.52 46.52 74.95 74.95 89.57 97.55 97.55 97.55 97.55 97.55 97.55 100.00 100.00 100.00 100.00

0.00 0.00 25.12 49.59 21.91 0.41 0.00 31.11 0.00 25.61 16.82 0.00 0.00 0.00 0.00 0.00 5.86 0.00 0.00 0.00

0.00 0.00 11.42 25.18 23.64 16.69 12.63 16.31 13.46 14.59 14.75 13.51 12.50 11.50 10.94 10.30 10.11 9.89 9.64 9.54

9.54

Page 96 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 108 144 236 154 196 108 98 93 62 34 17 23 19 19 4 3 9 4 2 1 1,334

108 252 488 642 838 946 1,044 1,137 1,199 1,233 1,250 1,273 1,292 1,311 1,315 1,318 1,327 1,331 1,333 1,334

8.10 8.10 10.79 18.89 17.69 36.58 11.54 48.13 14.69 62.82 8.10 70.91 7.35 78.26 6.97 85.23 4.65 89.88 2.55 92.43 1.27 93.70 1.72 95.43 1.42 96.85 1.42 98.28 0.30 98.58 0.22 98.80 0.67 99.48 0.30 99.78 0.15 99.93 0.07 100.00

62.36 41.46 114.96 124.00 282.45 244.66 341.62 543.50 464.17 294.00 192.69 186.94 156.14 188.81 50.78 142.83 233.42 80.87 38.02 7.27 3,790.95

62.36 103.81 218.77 342.77 625.23 869.89 1,211.51 1,755.02 2,219.19 2,513.18 2,705.87 2,892.81 3,048.95 3,237.75 3,288.53 3,431.37 3,664.79 3,745.66 3,783.68 3,790.95

1.64 1.64 1.09 2.74 3.03 5.77 3.27 9.04 7.45 16.49 6.45 22.95 9.01 31.96 14.34 46.29 12.24 58.54 7.76 66.29 5.08 71.38 4.93 76.31 4.12 80.43 4.98 85.41 1.34 86.75 3.77 90.51 6.16 96.67 2.13 98.81 1.00 99.81 0.19 100.00

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

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 0.00 376.97 100.00 100.00 133.46 376.97 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

9.94

0.00 0.00 0.00 0.00 60.29 43.34 31.12 21.48 16.99 15.00 13.93 13.03 12.36 11.64 11.46 10.99 10.29 10.06 9.96 9.94

Page 97 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 127 260 518 312 356 181 137 108 81 59 32 47 23 18 17 23 10 4 2 0 2,315

127 387 905 1,217 1,573 1,754 1,891 1,999 2,080 2,139 2,171 2,218 2,241 2,259 2,276 2,299 2,309 2,313 2,315 2,315

5.49 5.49 11.23 16.72 22.38 39.09 13.48 52.57 15.38 67.95 7.82 75.77 5.92 81.68 4.67 86.35 3.50 89.85 2.55 92.40 1.38 93.78 2.03 95.81 0.99 96.80 0.78 97.58 0.73 98.32 0.99 99.31 0.43 99.74 0.17 99.91 0.09 100.00 0.00 100.00

(8,90) 44.51 170.18 168.02 360.86 366.58 405.65 391.57 413.45 334.06 225.04 667.87 212.37 189.25 208.67 452.74 84.52 69.10 71.42 0.00 4,826.95

(8,90) 35.61 205.79 373.81 734.67 1,101.24 1,506.89 1,898.46 2,311.91 2,645.97 2,871.00 3,538.88 3,751.25 3,940.49 4,149.16 4,601.90 4,686.43 4,755.53 4,826.95 4,826.95

(0,18) (0,18) 0.92 0.74 3.53 4.26 3.48 7.74 7.48 15.22 7.59 22.81 8.40 31.22 8.11 39.33 8.57 47.90 6.92 54.82 4.66 59.48 13.84 73.31 4.40 77.71 3.92 81.64 4.32 85.96 9.38 95.34 1.75 97.09 1.43 98.52 1.48 100.00 0.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 2 0 0 0 4 0 2 0 0 0 0 0 2 0 0 0 0 0 0 10

0 2 2 2 2 6 6 8 8 8 8 8 8 10 10 10 10 10 10 10

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

0.00 20.00 20.00 20.00 20.00 60.00 60.00 80.00 80.00 80.00 80.00 80.00 80.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 27.54 0.00 0.00 0.00 437.91 0.00 12.13 0.00 0.00 0.00 0.00 0.00 97.73 0.00 0.00 0.00 0.00 0.00 0.00 575.30

0.00 27.54 27.54 27.54 27.54 465.44 465.44 477.57 477.57 477.57 477.57 477.57 477.57 575.30 575.30 575.30 575.30 575.30 575.30 575.30

0.00 4.79 0.00 0.00 0.00 76.12 0.00 2.11 0.00 0.00 0.00 0.00 0.00 16.99 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 4.79 61.87 4.79 0.00 4.79 0.00 4.79 0.00 80.90 119.46 80.90 0.00 83.01 3.10 83.01 0.00 83.01 0.00 83.01 0.00 83.01 0.00 83.01 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 77.32 13.38 7.37 3.75 42.27 30.89 25.16 20.66 18.05 16.63 13.50 12.73 14.60 13.87 12.50 12.28 12.10 11.92 11.92

11.92

Page 98 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 6,328 5,213 8,998 6,425 7,496 4,011 3,220 2,566 1,396 788 720 842 573 922 633 976 975 489 608 231 53,410

6,328 11,541 20,539 26,964 34,460 38,471 41,691 44,257 45,653 46,441 47,161 48,003 48,576 49,498 50,131 51,107 52,082 52,571 53,179 53,410

11.85 11.85 9.76 21.61 16.85 38.46 12.03 50.48 14.03 64.52 7.51 72.03 6.03 78.06 4.80 82.86 2.61 85.48 1.48 86.95 1.35 88.30 1.58 89.88 1.07 90.95 1.73 92.68 1.19 93.86 1.83 95.69 1.83 97.51 0.92 98.43 1.14 99.57 0.43 100.00

9,347.57 1,016.33 2,423.28 2,537.98 5,087.32 4,274.36 4,503.92 4,788.06 4,098.90 2,819.78 3,071.85 4,361.30 3,675.84 6,728.84 6,537.54 12,045.99 13,698.28 6,144.58 10,245.96 5,836.11 113,243.79

9,347.57 10,363.90 12,787.18 15,325.16 20,412.48 24,686.84 29,190.75 33,978.81 38,077.71 40,897.49 43,969.34 48,330.64 52,006.48 58,735.32 65,272.87 77,318.85 91,017.13 97,161.72 107,407.67 113,243.79

8.25 8.25 0.90 9.15 2.14 11.29 2.24 13.53 4.49 18.03 3.77 21.80 3.98 25.78 4.23 30.01 3.62 33.62 2.49 36.11 2.71 38.83 3.85 42.68 3.25 45.92 5.94 51.87 5.77 57.64 10.64 68.28 12.10 80.37 5.43 85.80 9.05 94.85 5.15 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 103 19 16 31 36 30 26 23 20 13 16 21 12 42 31 100 94 58 115 47 853

103 122 138 169 205 235 261 284 304 317 333 354 366 408 439 539 633 691 806 853

12.08 12.08 2.23 14.30 1.88 16.18 3.63 19.81 4.22 24.03 3.52 27.55 3.05 30.60 2.70 33.29 2.34 35.64 1.52 37.16 1.88 39.04 2.46 41.50 1.41 42.91 4.92 47.83 3.63 51.47 11.72 63.19 11.02 74.21 6.80 81.01 13.48 94.49 5.51 100.00

38,492.14 123.48 835.87 369.03 2,623.20 1,159.18 1,122.81 1,191.82 1,235.46 2,127.94 2,160.90 2,526.92 4,302.46 3,043.26 1,247.55 17,548.08 10,529.22 3,651.97 12,568.53 7,947.25 114,807.07

38,492.14 38,615.62 39,451.49 39,820.52 42,443.72 43,602.90 44,725.71 45,917.53 47,153.00 49,280.93 51,441.83 53,968.75 58,271.22 61,314.48 62,562.03 80,110.10 90,639.33 94,291.29 106,859.82 114,807.07

33.53 33.53 0.11 33.64 0.73 34.36 0.32 34.68 2.28 36.97 1.01 37.98 0.98 38.96 1.04 40.00 1.08 41.07 1.85 42.92 1.88 44.81 2.20 47.01 3.75 50.76 2.65 53.41 1.09 54.49 15.28 69.78 9.17 78.95 3.18 82.13 10.95 93.08 6.92 100.00

411.79 12.15 34.49 14.54 51.56 27.12 24.93 24.89 30.14 75.46 70.34 57.94 117.05 45.23 19.08 145.68 76.87 59.43 122.67 136.17

411.79 372.60 308.52 259.84 207.93 176.62 153.22 135.14 123.83 120.50 116.99 111.67 112.05 104.39 95.85 103.61 99.58 97.05 99.49 101.38

101.38

Page 99 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 : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 359 321 489 372 428 208 159 123 81 60 34 45 26 44 32 27 34 20 17 13 2,892

359 680 1,169 1,541 1,969 2,177 2,336 2,459 2,540 2,600 2,634 2,679 2,705 2,749 2,781 2,808 2,842 2,862 2,879 2,892

12.41 12.41 11.10 23.51 16.91 40.42 12.86 53.28 14.80 68.08 7.19 75.28 5.50 80.77 4.25 85.03 2.80 87.83 2.07 89.90 1.18 91.08 1.56 92.63 0.90 93.53 1.52 95.06 1.11 96.16 0.93 97.10 1.18 98.27 0.69 98.96 0.59 99.55 0.45 100.00

176.82 48.10 168.88 200.45 359.08 315.57 380.96 322.19 247.12 190.45 158.94 258.79 158.69 298.28 231.35 146.93 379.94 141.27 110.78 63.05 4,357.63

176.82 224.93 393.81 594.25 953.33 1,268.90 1,649.86 1,972.05 2,219.18 2,409.63 2,568.57 2,827.36 2,986.04 3,284.32 3,515.67 3,662.60 4,042.55 4,183.81 4,294.59 4,357.63

4.06 4.06 1.10 5.16 3.88 9.04 4.60 13.64 8.24 21.88 7.24 29.12 8.74 37.86 7.39 45.26 5.67 50.93 4.37 55.30 3.65 58.94 5.94 64.88 3.64 68.52 6.84 75.37 5.31 80.68 3.37 84.05 8.72 92.77 3.24 96.01 2.54 98.55 1.45 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 2 2 0 0 0 4 0 0 0 0 0 0 0 0 2 0 0 5 2 0 17

2 4 4 4 4 8 8 8 8 8 8 8 8 8 10 10 10 15 17 17

11.76 11.76 11.76 23.53 0.00 23.53 0.00 23.53 0.00 23.53 23.53 47.06 0.00 47.06 0.00 47.06 0.00 47.06 0.00 47.06 0.00 47.06 0.00 47.06 0.00 47.06 0.00 47.06 11.76 58.82 0.00 58.82 0.00 58.82 29.41 88.24 11.76 100.00 0.00 100.00

0.00 0.00 0.00 0.00 0.00 501.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 455.69 0.00 0.00 400.37 12.05 0.00 1,369.76

0.00 0.00 0.00 0.00 0.00 501.65 501.65 501.65 501.65 501.65 501.65 501.65 501.65 501.65 957.34 957.34 957.34 1,357.71 1,369.76 1,369.76

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 36.62 36.62 158.96 0.00 36.62 0.00 0.00 36.62 0.00 0.00 36.62 0.00 0.00 36.62 0.00 0.00 36.62 0.00 0.00 36.62 0.00 0.00 36.62 0.00 0.00 36.62 0.00 33.27 69.89 196.97 0.00 69.89 0.00 0.00 69.89 0.00 29.23 99.12 283.41 0.88 100.00 10.88 0.00 100.00 0.00

0.00 0.00 0.00 0.00 0.00 39.53 30.41 25.44 22.61 20.82 19.53 17.74 16.80 15.27 27.23 26.14 23.68 32.45 31.89 31.43

31.43

Page 100 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 31 - GORONTALO

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 275 310 524 378 385 197 124 107 66 34 32 30 23 22 12 15 23 9 1 1

2,568

275 585 1,109 1,487 1,872 2,069 2,193 2,300 2,366 2,400 2,432 2,462 2,485 2,507 2,519 2,534 2,557 2,566 2,567 2,568

10.71 10.71 12.07 22.78 20.40 43.19 14.72 57.90 14.99 72.90 7.67 80.57 4.83 85.40 4.17 89.56 2.57 92.13 1.32 93.46 1.25 94.70 1.17 95.87 0.90 96.77 0.86 97.62 0.47 98.09 0.58 98.68 0.90 99.57 0.35 99.92 0.04 99.96 0.04 100.00

196.75 119.23 212.81 198.63 294.39 313.11 301.21 336.88 314.59 178.02 230.23 246.43 245.66 156.73 163.37 254.10 152.33 61.54 32.33 0.17

4,008.54

196.75 315.98 528.80 727.43 1,021.82 1,334.93 1,636.14 1,973.03 2,287.62 2,465.63 2,695.87 2,942.30 3,187.96 3,344.69 3,508.07 3,762.17 3,914.50 3,976.04 4,008.37 4,008.54

4.91 4.91 2.97 7.88 5.31 13.19 4.96 18.15 7.34 25.49 7.81 33.30 7.51 40.82 8.40 49.22 7.85 57.07 4.44 61.51 5.74 67.25 6.15 73.40 6.13 79.53 3.91 83.44 4.08 87.51 6.34 93.85 3.80 97.65 1.54 99.19 0.81 100.00 0.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 2 0 2 0 0 3 0 0 0 0 0 0 0 0 0 0 5 0 0 0

2 2 4 4 4 7 7 7 7 7 7 7 7 7 7 7 12 12 12 12

16.67 0.00 16.67 0.00 0.00 25.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 41.67 0.00 0.00 0.00

16.67 16.67 33.33 33.33 33.33 58.33 58.33 58.33 58.33 58.33 58.33 58.33 58.33 58.33 58.33 58.33 100.00 100.00 100.00 100.00

6.53 0.00 2.84 0.00 0.00 8.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 308.27 0.00 0.00 0.00

326.05

6.53 6.53 9.37 9.37 9.37 17.78 17.78 17.78 17.78 17.78 17.78 17.78 17.78 17.78 17.78 17.78 326.05 326.05 326.05 326.05

2.00 0.00 0.87 0.00 0.00 2.58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 94.55 0.00 0.00 0.00

2.00 3.32 2.00 0.00 2.87 1.33 2.87 0.00 2.87 0.00 5.45 2.69 5.45 0.00 5.45 0.00 5.45 0.00 5.45 0.00 5.45 0.00 5.45 0.00 5.45 0.00 5.45 0.00 5.45 0.00 5.45 0.00 100.00 202.37 100.00 0.00 100.00 0.00 100.00 0.00

3.32 2.07 1.77 1.29 0.92 1.33 1.09 0.90 0.78 0.72 0.66 0.60 0.56 0.53 0.51 0.47 8.33 8.20 8.13 8.13

8.13 Page 101 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 32 - KEPULAUAN RIAU

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,756 1,955 3,618 2,421 2,820 1,322 796 626 343 209 156 167 117 167 73 170 188 76 110 41 17,131

1,756 3,711 7,329 9,750 12,570 13,892 14,688 15,314 15,657 15,866 16,022 16,189 16,306 16,473 16,546 16,716 16,904 16,980 17,090 17,131

10.25 10.25 11.41 21.66 21.12 42.78 14.13 56.91 16.46 73.38 7.72 81.09 4.65 85.74 3.65 89.39 2.00 91.40 1.22 92.62 0.91 93.53 0.97 94.50 0.68 95.18 0.97 96.16 0.43 96.59 0.99 97.58 1.10 98.67 0.44 99.12 0.64 99.76 0.24 100.00

2,553.76 346.15 967.49 1,442.39 2,888.45 2,053.10 1,700.05 1,737.85 1,178.10 904.62 754.04 928.43 822.34 1,160.02 757.53 2,114.51 2,638.36 1,017.53 1,271.39 649.39 27,885.48

2,553.76 2,899.91 3,867.40 5,309.79 8,198.24 10,251.34 11,951.39 13,689.24 14,867.34 15,771.96 16,526.00 17,454.43 18,276.76 19,436.78 20,194.31 22,308.81 24,947.17 25,964.70 27,236.09 27,885.48

9.16 9.16 1.24 10.40 3.47 13.87 5.17 19.04 10.36 29.40 7.36 36.76 6.10 42.86 6.23 49.09 4.22 53.32 3.24 56.56 2.70 59.26 3.33 62.59 2.95 65.54 4.16 69.70 2.72 72.42 7.58 80.00 9.46 89.46 3.65 93.11 4.56 97.67 2.33 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 17 0 22 10 11 13 8 12 6 0 0 4 0 5 4 4 10 13 42 7 188

17 17 39 49 60 73 81 93 99 99 99 103 103 108 112 116 126 139 181 188

9.04 9.04 0.00 9.04 11.70 20.74 5.32 26.06 5.85 31.91 6.91 38.83 4.26 43.09 6.38 49.47 3.19 52.66 0.00 52.66 0.00 52.66 2.13 54.79 0.00 54.79 2.66 57.45 2.13 59.57 2.13 61.70 5.32 67.02 6.91 73.94 22.34 96.28 3.72 100.00

707.25 0.00 546.26 503.54 571.21 480.99 837.82 221.57 247.98 0.00 0.00 28.45 0.00 96.34 76.67 39.93 5,583.92 4,472.28 2,688.26 116.12 17,218.59

707.25 707.25 1,253.51 1,757.05 2,328.27 2,809.25 3,647.07 3,868.64 4,116.62 4,116.62 4,116.62 4,145.07 4,145.07 4,241.41 4,318.09 4,358.02 9,941.94 14,414.22 17,102.48 17,218.59

4.11 4.11 27.69 0.00 4.11 0.00 3.17 7.28 56.46 2.92 10.20 34.91 3.32 13.52 19.78 2.79 16.32 23.43 4.87 21.18 49.28 1.29 22.47 12.75 1.44 23.91 21.05 0.00 23.91 0.00 0.00 23.91 0.00 0.17 24.07 3.06 0.00 24.07 0.00 0.56 24.63 8.31 0.45 25.08 10.12 0.23 25.31 1.89 32.43 57.74 211.64 25.97 83.71 439.52 15.61 99.33 211.44 0.67 100.00 17.88

27.69 24.39 32.41 33.09 28.40 27.40 30.52 28.26 27.69 26.10 24.91 23.75 22.68 21.82 21.38 19.53 39.85 55.51 62.79 61.75

61.75

Page 102 of 204

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

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 201,517 169,937 233,835 145,960 171,331 95,469 72,983 65,118 41,621 25,405 22,309 27,494 21,291 27,156 18,485 27,329 21,320 9,826 11,193 4,090 1,413,669

201,517 371,454 605,289 751,249 922,580 1,018,049 1,091,032 1,156,150 1,197,771 1,223,176 1,245,485 1,272,979 1,294,270 1,321,426 1,339,911 1,367,240 1,388,560 1,398,386 1,409,579 1,413,669

14.25 14.25 12.02 26.28 16.54 42.82 10.32 53.14 12.12 65.26 6.75 72.01 5.16 77.18 4.61 81.78 2.94 84.73 1.80 86.52 1.58 88.10 1.94 90.05 1.51 91.55 1.92 93.47 1.31 94.78 1.93 96.72 1.51 98.22 0.70 98.92 0.79 99.71 0.29 100.00

140,827.62 28,587.52 64,715.49 65,840.02 133,068.26 100,011.12 103,171.97 117,603.01 92,831.72 66,659.92 62,674.09 89,092.06 78,015.91 127,485.00 107,379.18 253,329.98 242,854.63 136,495.77 210,174.96 140,050.99 2,360,869.22

140,827.62 169,415.14 234,130.63 299,970.65 433,038.91 533,050.03 636,222.00 753,825.02 846,656.74 913,316.66 975,990.75 1,065,082.81 1,143,098.72 1,270,583.72 1,377,962.90 1,631,292.88 1,874,147.51 2,010,643.28 2,220,818.24 2,360,869.23

5.97 5.97 1.21 7.18 2.74 9.92 2.79 12.71 5.64 18.34 4.24 22.58 4.37 26.95 4.98 31.93 3.93 35.86 2.82 38.69 2.65 41.34 3.77 45.11 3.30 48.42 5.40 53.82 4.55 58.37 10.73 69.10 10.29 79.38 5.78 85.17 8.90 94.07 5.93 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

1146 208 380 327 471 334 316 404 333 186 201 258 262 754 315 651 778 586 1081 623

121,568.78 121,568.78 3,814.09 125,382.87 40,962.08 166,344.95 11,333.37 177,678.32 31,824.16 209,502.48 15,195.32 224,697.80 23,729.81 248,427.61 25,555.95 273,983.56 18,950.80 292,934.36 10,461.27 303,395.63 12,973.10 316,368.73 19,435.64 335,804.38 30,231.60 366,035.97 46,455.52 412,491.49 45,712.06 458,203.55 111,593.77 569,797.32 89,103.26 658,900.57 84,901.16 743,801.73 145,386.30 889,188.02 159,300.81 1,048,488.83

9,614

1,146 1,354 1,734 2,061 2,532 2,866 3,182 3,586 3,919 4,105 4,306 4,564 4,826 5,580 5,895 6,546 7,324 7,910 8,991 9,614

11.92 11.92 2.16 14.08 3.95 18.04 3.40 21.44 4.90 26.34 3.47 29.81 3.29 33.10 4.20 37.30 3.46 40.76 1.93 42.70 2.09 44.79 2.68 47.47 2.73 50.20 7.84 58.04 3.28 61.32 6.77 68.09 8.09 76.18 6.10 82.28 11.24 93.52 6.48 100.00

1,048,488.85

11.59 11.59 86.32 0.36 11.96 13.34 3.91 15.87 63.30 1.08 16.95 17.21 3.04 19.98 23.92 1.45 21.43 15.19 2.26 23.69 23.00 2.44 26.13 21.73 1.81 27.94 20.41 1.00 28.94 15.69 1.24 30.17 20.70 1.85 32.03 21.82 2.88 34.91 38.75 4.43 39.34 36.44 4.36 43.70 42.57 10.64 54.34 44.05 8.50 62.84 36.69 8.10 70.94 62.20 13.87 84.81 69.17 15.19 100.00 113.74

86.32 74.01 71.05 59.23 48.38 42.15 39.05 36.35 34.60 33.22 32.42 31.53 32.02 32.46 33.25 34.93 35.16 36.99 40.04 44.41

44.41

Page 103 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

FIRE (FR) 2011 ALL CODE

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 159,348 147,906 206,380 125,389 138,394 71,892 50,753 42,293 25,985 15,277 13,729 16,193 12,326 14,755 9,744 12,327 7,958 2,859 2,856 1,012 1,077,376

159,348 307,254 513,634 639,023 777,417 849,309 900,062 942,355 968,340 983,617 997,346 1,013,539 1,025,865 1,040,620 1,050,364 1,062,691 1,070,649 1,073,508 1,076,364 1,077,376

14.79 14.79 13.73 28.52 19.16 47.67 11.64 59.31 12.85 72.16 6.67 78.83 4.71 83.54 3.93 87.47 2.41 89.88 1.42 91.30 1.27 92.57 1.50 94.07 1.14 95.22 1.37 96.59 0.90 97.49 1.14 98.64 0.74 99.38 0.27 99.64 0.27 99.91 0.09 100.00

73,107.88 23,301.77 54,972.45 56,377.55 110,970.24 79,663.82 74,413.32 79,692.79 58,867.63 40,274.29 36,138.11 47,472.06 40,057.94 62,790.91 47,528.75 86,276.99 71,681.79 31,883.48 45,437.82 12,857.61 1,133,767.20

73,107.88 96,409.64 151,382.09 207,759.64 318,729.89 398,393.71 472,807.03 552,499.82 611,367.45 651,641.74 687,779.85 735,251.92 775,309.86 838,100.77 885,629.51 971,906.50 1,043,588.29 1,075,471.77 1,120,909.59 1,133,767.20

6.45 6.45 2.06 8.50 4.85 13.35 4.97 18.32 9.79 28.11 7.03 35.14 6.56 41.70 7.03 48.73 5.19 53.92 3.55 57.48 3.19 60.66 4.19 64.85 3.53 68.38 5.54 73.92 4.19 78.11 7.61 85.72 6.32 92.05 2.81 94.86 4.01 98.87 1.13 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 436 120 231 168 216 151 127 147 128 64 76 103 109 465 121 190 290 186 269 184 3,781

436 556 787 955 1,171 1,322 1,449 1,596 1,724 1,788 1,864 1,967 2,076 2,541 2,662 2,852 3,142 3,328 3,597 3,781

11.53 11.53 3.17 14.71 6.11 20.81 4.44 25.26 5.71 30.97 3.99 34.96 3.36 38.32 3.89 42.21 3.39 45.60 1.69 47.29 2.01 49.30 2.72 52.02 2.88 54.91 12.30 67.20 3.20 70.40 5.03 75.43 7.67 83.10 4.92 88.02 7.11 95.13 4.87 100.00

42,804.80 2,950.36 38,606.05 8,110.39 14,988.89 10,871.08 18,115.73 13,102.69 12,298.24 3,750.18 6,974.76 10,219.42 20,661.67 17,886.61 25,995.98 43,583.19 25,282.46 61,268.48 17,721.92 30,929.94 426,122.83

42,804.80 45,755.16 84,361.20 92,471.59 107,460.48 118,331.56 136,447.28 149,549.97 161,848.21 165,598.39 172,573.15 182,792.57 203,454.24 221,340.85 247,336.83 290,920.02 316,202.48 377,470.96 395,192.89 426,122.83

10.05 10.05 58.55 0.69 10.74 12.66 9.06 19.80 70.23 1.90 21.70 14.39 3.52 25.22 13.51 2.55 27.77 13.65 4.25 32.02 24.34 3.07 35.10 16.44 2.89 37.98 20.89 0.88 38.86 9.31 1.64 40.50 19.30 2.40 42.90 21.53 4.85 47.75 51.58 4.20 51.94 28.49 6.10 58.04 54.70 10.23 68.27 50.52 5.93 74.20 35.27 14.38 88.58 192.16 4.16 92.74 39.00 7.26 100.00 240.56

58.55 47.46 55.73 44.51 33.72 29.70 28.86 27.07 26.47 25.41 25.09 24.86 26.24 26.41 27.93 29.93 30.30 35.10 35.26 37.58

37.58

Page 104 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

INDUSTRIAL ALL RISK (IAR) 2011 ALL CODE

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 24,056 10,517 12,903 10,578 18,966 14,142 13,966 14,588 9,886 6,365 5,370 6,977 5,308 7,463 5,031 8,742 7,682 4,028 4,651 1,847 193,066

24,056 34,573 47,476 58,054 77,020 91,162 105,128 119,716 129,602 135,967 141,337 148,314 153,622 161,085 166,116 174,858 182,540 186,568 191,219 193,066

12.46 12.46 5.45 17.91 6.68 24.59 5.48 30.07 9.82 39.89 7.32 47.22 7.23 54.45 7.56 62.01 5.12 67.13 3.30 70.43 2.78 73.21 3.61 76.82 2.75 79.57 3.87 83.44 2.61 86.04 4.53 90.57 3.98 94.55 2.09 96.63 2.41 99.04 0.96 100.00

30,439.35 3,402.86 5,177.21 5,221.27 12,933.27 11,733.10 18,794.42 24,419.57 21,550.70 16,487.15 16,534.75 24,687.92 22,007.00 36,335.78 33,862.08 76,801.26 84,581.30 49,163.67 59,957.57 59,950.42 614,040.64

30,439.35 33,842.21 39,019.41 44,240.68 57,173.95 68,907.05 87,701.47 112,121.05 133,671.74 150,158.89 166,693.65 191,381.56 213,388.56 249,724.34 283,586.42 360,387.68 444,968.99 494,132.65 554,090.22 614,040.64

4.96 4.96 0.55 5.51 0.84 6.35 0.85 7.20 2.11 9.31 1.91 11.22 3.06 14.28 3.98 18.26 3.51 21.77 2.69 24.45 2.69 27.15 4.02 31.17 3.58 34.75 5.92 40.67 5.51 46.18 12.51 58.69 13.77 72.47 8.01 80.47 9.76 90.24 9.76 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

709 86 148 152 239 175 185 250 201 119 110 150 153 269 191 457 463 398 810 434

78,763.98 859.93 2,356.03 3,179.64 16,777.37 4,219.75 5,544.57 12,328.00 6,521.60 6,649.28 5,381.83 9,135.98 9,569.93 28,229.95 19,716.08 68,008.54 63,354.34 23,613.58 127,645.19 124,570.68

5,699

709 795 943 1,095 1,334 1,509 1,694 1,944 2,145 2,264 2,374 2,524 2,677 2,946 3,137 3,594 4,057 4,455 5,265 5,699

12.44 12.44 1.51 13.95 2.60 16.55 2.67 19.21 4.19 23.41 3.07 26.48 3.25 29.72 4.39 34.11 3.53 37.64 2.09 39.73 1.93 41.66 2.63 44.29 2.68 46.97 4.72 51.69 3.35 55.04 8.02 63.06 8.12 71.19 6.98 78.17 14.21 92.38 7.62 100.00

616,426.24

78,763.98 79,623.91 81,979.94 85,159.59 101,936.96 106,156.71 111,701.28 124,029.27 130,550.88 137,200.16 142,581.99 151,717.96 161,287.89 189,517.83 209,233.91 277,242.45 340,596.79 364,210.37 491,855.56 616,426.24

12.78 12.78 0.14 12.92 0.38 13.30 0.52 13.82 2.72 16.54 0.68 17.22 0.90 18.12 2.00 20.12 1.06 21.18 1.08 22.26 0.87 23.13 1.48 24.61 1.55 26.16 4.58 30.74 3.20 33.94 11.03 44.98 10.28 55.25 3.83 59.08 20.71 79.79 20.21 100.00

258.76 25.27 45.51 60.90 129.72 35.96 29.50 50.48 30.26 40.33 32.55 37.01 43.49 77.69 58.22 88.55 74.90 48.03 212.89 207.79

258.76 235.28 210.10 192.49 178.29 154.06 127.37 110.62 97.67 91.37 85.54 79.28 75.58 75.89 73.78 76.93 76.54 73.71 88.77 100.39

100.39

Page 105 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

DATA POSITION FROM : 01/01/2011 : 15/12/2012 DATA POSITION TO : 15/03/2013 PROCESSING DATE

LOSS OF PROFIT (LOP) 2011 ALL CODE NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 7 1 3 1 35 6 3 12 4 7 5 5 1 11 20 5 9 6 3 4 148

7 8 11 12 47 53 56 68 72 79 84 89 90 101 121 126 135 141 144 148

4.73 4.73 0.68 5.41 2.03 7.43 0.68 8.11 23.65 31.76 4.05 35.81 2.03 37.84 8.11 45.95 2.70 48.65 4.73 53.38 3.38 56.76 3.38 60.14 0.68 60.81 7.43 68.24 13.51 81.76 3.38 85.14 6.08 91.22 4.05 95.27 2.03 97.30 2.70 100.00

0.57 0.28 0.51 0.01 11.74 2.56 1.83 10.47 3.45 7.03 6.38 9.37 6.07 18.61 112.53 9.30 43.61 17.34 7.47 12.83 281.94

0.57 0.85 1.35 1.36 13.10 15.66 17.49 27.95 31.40 38.43 44.82 54.18 60.25 78.86 191.39 200.69 244.30 261.64 269.11 281.94

0.20 0.20 0.10 0.30 0.18 0.48 0.00 0.48 4.16 4.65 0.91 5.55 0.65 6.20 3.71 9.91 1.22 11.14 2.49 13.63 2.26 15.90 3.32 19.22 2.15 21.37 6.60 27.97 39.91 67.88 3.30 71.18 15.47 86.65 6.15 92.80 2.65 95.45 4.55 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 2

0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 2 2 2 2

0.00 0.00 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 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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 18,106 11,514 14,548 9,993 13,935 9,429 8,261 8,225 5,746 3,756 3,205 4,319 3,656 4,927 3,690 6,255 5,671 2,933 3,683 1,227 143,079

18,106 29,620 44,168 54,161 68,096 77,525 85,786 94,011 99,757 103,513 106,718 111,037 114,693 119,620 123,310 129,565 135,236 138,169 141,852 143,079

12.65 12.65 8.05 20.70 10.17 30.87 6.98 37.85 9.74 47.59 6.59 54.18 5.77 59.96 5.75 65.71 4.02 69.72 2.63 72.35 2.24 74.59 3.02 77.61 2.56 80.16 3.44 83.60 2.58 86.18 4.37 90.55 3.96 94.52 2.05 96.57 2.57 99.14 0.86 100.00

37,279.82 1,882.89 4,565.05 4,241.20 9,153.00 8,611.64 9,962.40 13,480.18 12,409.95 9,891.45 9,994.85 16,922.71 15,944.90 28,339.70 25,875.83 90,242.43 86,547.94 55,431.28 104,772.10 67,230.13 612,779.45

37,279.82 39,162.72 43,727.77 47,968.97 57,121.97 65,733.61 75,696.01 89,176.20 101,586.14 111,477.59 121,472.44 138,395.15 154,340.04 182,679.75 208,555.57 298,798.01 385,345.94 440,777.22 545,549.32 612,779.45

6.08 6.08 0.31 6.39 0.74 7.14 0.69 7.83 1.49 9.32 1.41 10.73 1.63 12.35 2.20 14.55 2.03 16.58 1.61 18.19 1.63 19.82 2.76 22.58 2.60 25.19 4.62 29.81 4.22 34.03 14.73 48.76 14.12 62.88 9.05 71.93 17.10 89.03 10.97 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 1 2 1 7 16 8 4 7 4 3 15 5 0 20 2 4 24 2 2 5 132

1 3 4 11 27 35 39 46 50 53 68 73 73 93 95 99 123 125 127 132

0.76 0.76 1.52 2.27 0.76 3.03 5.30 8.33 12.12 20.45 6.06 26.52 3.03 29.55 5.30 34.85 3.03 37.88 2.27 40.15 11.36 51.52 3.79 55.30 0.00 55.30 15.15 70.45 1.52 71.97 3.03 75.00 18.18 93.18 1.52 94.70 1.52 96.21 3.79 100.00

0.00 3.80 0.00 43.34 57.90 104.49 69.51 125.26 130.97 61.81 616.51 80.25 0.00 338.97 0.00 2.04 466.45 19.09 19.18 3,800.19 5,939.77

0.00 3.80 3.80 47.14 105.04 209.54 279.05 404.31 535.28 597.08 1,213.60 1,293.85 1,293.85 1,632.81 1,632.81 1,634.85 2,101.30 2,120.40 2,139.58 5,939.77

0.00 0.00 0.06 0.06 0.00 0.06 0.73 0.79 0.97 1.77 1.76 3.53 1.17 4.70 2.11 6.81 2.20 9.01 1.04 10.05 10.38 20.43 1.35 21.78 0.00 21.78 5.71 27.49 0.00 27.49 0.03 27.52 7.85 35.38 0.32 35.70 0.32 36.02 63.98 100.00

0.00 0.20 0.00 1.02 0.63 1.21 0.70 0.93 1.06 0.62 6.17 0.47 0.00 1.20 0.00 0.00 0.54 0.03 0.02 5.65

0.00 0.01 0.01 0.10 0.18 0.32 0.37 0.45 0.53 0.54 1.00 0.93 0.84 0.89 0.78 0.55 0.55 0.48 0.39 0.97

0.97

Page 107 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 20

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

BAND

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

25 75 150 250 400 625 875 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. 292 35 73 46 89 69 62 108 78 77 41 89 44 124 73 214 243 138 287 159 2,341

292 327 400 446 535 604 666 774 852 929 970 1,059 1,103 1,227 1,300 1,514 1,757 1,895 2,182 2,341

12.47 12.47 1.50 13.97 3.12 17.09 1.96 19.05 3.80 22.85 2.95 25.80 2.65 28.45 4.61 33.06 3.33 36.39 3.29 39.68 1.75 41.44 3.80 45.24 1.88 47.12 5.30 52.41 3.12 55.53 9.14 64.67 10.38 75.05 5.89 80.95 12.26 93.21 6.79 100.00

1,857.65 40.60 31.43 82.90 67.94 162.74 78.86 193.70 240.71 190.77 154.39 334.14 264.80 751.70 552.32 1,984.26 2,995.00 1,548.70 4,479.19 4,691.72 20,703.55

1,857.65 1,898.25 1,929.68 2,012.59 2,080.53 2,243.27 2,322.14 2,515.84 2,756.55 2,947.32 3,101.71 3,435.85 3,700.65 4,452.35 5,004.68 6,988.94 9,983.94 11,532.64 16,011.83 20,703.55

8.97 8.97 0.20 9.17 0.15 9.32 0.40 9.72 0.33 10.05 0.79 10.84 0.38 11.22 0.94 12.15 1.16 13.31 0.92 14.24 0.75 14.98 1.61 16.60 1.28 17.87 3.63 21.51 2.67 24.17 9.58 33.76 14.47 48.22 7.48 55.70 21.63 77.34 22.66 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 15 0 0 2 2 0 0 0 0 0 0 2 0 0 16 8 3 12 11 0 71

15 15 15 17 19 19 19 19 19 19 19 21 21 21 37 45 48 60 71 71

21.13 21.13 0.00 21.13 0.00 21.13 2.82 23.94 2.82 26.76 0.00 26.76 0.00 26.76 0.00 26.76 0.00 26.76 0.00 26.76 0.00 26.76 2.82 29.58 0.00 29.58 0.00 29.58 22.54 52.11 11.27 63.38 4.23 67.61 16.90 84.51 15.49 100.00 0.00 100.00

408.06 0.00 0.00 31.54 11.50 0.00 0.00 0.00 0.00 0.00 0.00 8.73 0.00 0.00 14,822.60 1,570.00 157.59 2,227.67 68.86 0.00 19,306.56

408.06 408.06 408.06 439.60 451.10 451.10 451.10 451.10 451.10 451.10 451.10 459.83 459.83 459.83 15,282.43 16,852.44 17,010.03 19,237.70 19,306.56 19,306.56

2.11 2.11 0.00 2.11 0.00 2.11 0.16 2.28 0.06 2.34 0.00 2.34 0.00 2.34 0.00 2.34 0.00 2.34 0.00 2.34 0.00 2.34 0.05 2.38 0.00 2.38 0.00 2.38 76.77 79.16 8.13 87.29 0.82 88.10 11.54 99.64 0.36 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 21.97 0.00 0.00 38.05 16.92 0.00 0.00 0.00 0.00 0.00 0.00 2.61 0.00 0.00 2,683,67 79.12 5.26 143.84 1.54 0.00

21.97 21.50 21.15 21.84 21.68 20.11 19.43 17.93 16.36 15.31 14.54 13.38 12.43 10.33 305.36 241.13 170.37 166.81 120.58 93.25

93.25

Page 108 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 21

DATA POSITION FROM : DATA POSITION TO : PROCESSING DATE :

01/01/2011 15/12/2012 15/03/2013

Stone, Earth, (Animal) Bones or Shells (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.

678 105 135 113 166 122 98 213 118 101 82 129 119 154 113 225 262 166 263 116 3,478

678 19.49 19.49 783 3.02 22.51 918 3.88 26.39 1,031 3.25 29.64 1,197 4.77 34.42 1,319 3.51 37.92 1,417 2.82 40.74 1,630 6.12 46.87 1,748 3.39 50.26 1,849 2.90 53.16 1,931 2.36 55.52 2,060 3.71 59.23 2,179 3.42 62.65 2,333 4.43 67.08 2,446 3.25 70.33 2,671 6.47 76.80 2,933 7.53 84.33 3,099 4.77 89.10 3,362 7.56 96.66 3,478 3.34 100.0

1,249.61 101.14 67.84 40.72 125.25 128.10 135.34 338.16 238.28 288.57 278.53 474.14 481.83 865.89 662.91 2,063.19 3,191.78 1,935.18 3,473.73 6,171.60 22,311.77

1,249.61 5.60 5.60 1,350.75 0.45 6.05 1,418.59 0.30 6.36 1,459.31 0.18 6.54 1,584.56 0.56 7.10 1,712.66 0.57 7.68 1,847.99 0.61 8.28 2,186.15 1.52 9.80 2,424.43 1.07 10.87 2,713.00 1.29 12.16 2,991.53 1.25 13.41 3,465.67 2.13 15.53 3,947.50 2.16 17.69 4,813.38 3.88 21.57 5,476.29 2.97 24.54 7,539.48 9.25 33.79 10,731.26 14.31 48.10 12,666.44 8.67 56.77 16,140.17 15.57 72.34 22,311.77 27.66 100.0

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

14 3 0 0 2 0 0 0 0 2 8 0 2 5 15 3 15 2 34 14 119

14 17 17 17 19 19 19 19 19 21 29 29 31 36 51 54 69 71 105 119

11.76 2.52 0.00 0.00 1.68 0.00 0.00 0.00 0.00 1.68 6.72 0.00 1.68 4.20 12.61 2.52 12.61 1.68 28.57 11.76

11.76 14.29 14.29 14.29 15.97 15.97 15.97 15.97 15.97 17.65 24.37 24.37 26.05 30.25 42.86 45.38 57.98 59.66 88.24 100.0

253.03 0.00 0.00 0.00 4.00 0.00 0.00 0.00 0.00 5.01 120.65 0.00 0.00 52.41 1,279.75 185.93 200.71 22.62 3,883.52 574.95 6,582.57

253.03 3.84 3.84 253.03 0.00 3.84 253.03 0.00 3.84 253.03 0.00 3.84 257.03 0.06 3.90 257.03 0.00 3.90 257.03 0.00 3.90 257.03 0.00 3.90 257.03 0.00 3.90 262.04 0.08 3.98 382.69 1.83 5.81 382.69 0.00 5.81 382.69 0.00 5.81 435.10 0.80 6.61 1,714.85 19.44 26.05 1,900.78 2.82 28.88 2,101.49 3.05 31.93 2,124.11 0.34 32.27 6,007.62 59.00 91.27 6,582.57 8.73 100.0

20.25 0.00 0.00 0.00 3.19 0.00 0.00 0.00 0.00 1.74 43.32 0.00 0.00 6.05 193.05 9.01 6.29 1.17 111.80 9.32

20.25 18.73 17.84 17.34 16.22 15.01 13.91 11.76 10.60 9.66 12.79 11.04 9.69 9.04 31.31 25.21 19.58 16.77 37.22 29.50

29.50 Page 109 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 22

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Metals (Logam)

BAND

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

25 75 150 250 400 625 875 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. 1,331 317 565 414 645 598 601 788 603 465 363 552 430 702 540 980 1,140 630 995 344 13,003

1,331 1,648 2,213 2,627 3,272 3,870 4,471 5,259 5,862 6,327 6,690 7,242 7,672 8,374 8,914 9,894 11,034 11,664 12,659 13,003

10.24 10.24 2.44 12.67 4.35 17.02 3.18 20.20 4.96 25.16 4.60 29.76 4.62 34.38 6.06 40.44 4.64 45.08 3.58 48.66 2.79 51.45 4.25 55.69 3.31 59.00 5.40 64.40 4.15 68.55 7.54 76.09 8.77 84.86 4.85 89.70 7.65 97.35 2.65 100.00

3,318.19 173.65 227.15 393.79 731.60 635.58 867.19 1,401.17 1,362.69 1,186.08 1,219.63 2,285.77 1,926.31 4,003.45 3,744.70 8,883.78 13,024.44 8,042.74 12,554.65 2,592.78 68,575.33

3,318.19 3,491.84 3,718.99 4,112.78 4,844.38 5,479.95 6,347.15 7,748.31 9,111.00 10,297.08 11,516.71 13,802.48 15,728.79 19,732.25 23,476.95 32,360.72 45,385.16 53,427.90 65,982.55 68,575.33

4.84 4.84 0.25 5.09 0.33 5.42 0.57 6.00 1.07 7.06 0.93 7.99 1.26 9.26 2.04 11.30 1.99 13.29 1.73 15.02 1.78 16.79 3.33 20.13 2.81 22.94 5.84 28.77 5.46 34.24 12.95 47.19 18.99 66.18 11.73 77.91 18.31 96.22 3.78 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 15 0 7 6 6 5 5 2 5 8 0 7 3 27 17 39 30 38 129 92 441

15 15 22 28 34 39 44 46 51 59 59 66 69 96 113 152 182 220 349 441

3.40 3.40 0.00 3.40 1.59 4.99 1.36 6.35 1.36 7.71 1.13 8.84 1.13 9.98 0.45 10.43 1.13 11.56 1.81 13.38 0.00 13.38 1.59 14.97 0.68 15.65 6.12 21.77 3.85 25.62 8.84 34.47 6.80 41.27 8.62 49.89 29.25 79.14 20.86 100.00

8,135.29 0.00 57.82 93.12 95.39 683.16 425.34 1.07 994.46 1,706.75 0.00 560.39 137.41 224.44 6,858.25 1,887.74 6,852.47 6,575.38 65,118.58 21,490.81 121,897.86

8,135.29 8,135.29 8,193.11 8,286.23 8,381.63 9,064.78 9,490.12 9,491.19 10,485.65 12,192.39 12,192.39 12,752.78 12,890.19 13,114.63 19,972.89 21,860.63 28,713.10 35,288.48 100,407.06 121,897.86

6.67 6.67 0.00 6.67 0.05 6.72 0.08 6.80 0.08 6.88 0.56 7.44 0.35 7.79 0.00 7.79 0.82 8.60 1.40 10.00 0.00 10.00 0.46 10.46 0.11 10.57 0.18 10.76 5.63 16.38 1.55 17.93 5.62 23.56 5.39 28.95 53.42 82.37 17.63 100.00

245.17 0.00 25.46 23.65 13.04 107.49 49.05 0.08 72.98 143.90 0.00 24.52 7.13 5.61 183.15 21.25 52.61 81.76 518.68 828.87

245.17 232.98 220.30 201.48 173.02 165.42 149.52 122.49 115.09 118.41 105.87 92.39 81.95 66.46 85.07 67.55 63.27 66.05 152.17 177.76

177.76

Page 110 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 23

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Chemical / Oil / Gas (Kimia / Minyak / Gas)

BAND

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,490 283 458 394 806 737 794 1,038 797 606 518 889 725 1,144 768 1,588 1,797 858 1,107 446 17,243

1,490 1,773 2,231 2,625 3,431 4,168 4,962 6,000 6,797 7,403 7,921 8,810 9,535 10,679 11,447 13,035 14,832 15,690 16,797 17,243

8.64 8.64 1.64 10.28 2.66 12.94 2.28 15.22 4.67 19.90 4.27 24.17 4.60 28.78 6.02 34.80 4.62 39.42 3.51 42.93 3.00 45.94 5.16 51.09 4.20 55.30 6.63 61.93 4.45 66.39 9.21 75.60 10.42 86.02 4.98 90.99 6.42 97.41 2.59 100.00

7,961.38 221.92 635.88 474.23 1,078.07 1,400.81 1,750.04 2,679.60 2,439.18 2,265.17 2,351.46 4,341.81 4,209.36 8,389.13 6,496.40 19,322.44 23,174.86 12,172.04 23,127.93 15,414.90 139,906.62

7,961.38 8,183.30 8,819.19 9,293.42 10,371.49 11,772.30 13,522.34 16,201.93 18,641.11 20,906.29 23,257.75 27,599.56 31,808.92 40,198.05 46,694.45 66,016.89 89,191.75 101,363.79 124,491.72 139,906.62

5.69 5.69 0.16 5.85 0.45 6.30 0.34 6.64 0.77 7.41 1.00 8.41 1.25 9.67 1.92 11.58 1.74 13.32 1.62 14.94 1.68 16.62 3.10 19.73 3.01 22.74 6.00 28.73 4.64 33.38 13.81 47.19 16.56 63.75 8.70 72.45 16.53 88.98 11.02 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 53 1 4 4 3 9 10 13 15 2 22 14 33 22 20 45 110 42 50 51 523

53 54 58 62 65 74 84 97 112 114 136 150 183 205 225 270 380 422 472 523

10.13 10.13 0.19 10.33 0.76 11.09 0.76 11.85 0.57 12.43 1.72 14.15 1.91 16.06 2.49 18.55 2.87 21.41 0.38 21.80 4.21 26.00 2.68 28.68 6.31 34.99 4.21 39.20 3.82 43.02 8.60 51.63 21.03 72.66 8.03 80.69 9.56 90.25 9.75 100.00

16,003.08 0.00 0.00 7.69 325.10 1,343.54 503.99 8,368.09 338.05 0.00 981.17 4,842.13 9,737.87 13,261.91 202.62 5,126.68 13,203.48 524.97 8,997.51 13,421.03 97,188.89

16,003.08 16,003.08 16,003.08 16,010.77 16,335.86 17,679.40 18,183.39 26,551.49 26,889.53 26,889.53 27,870.71 32,712.83 42,450.70 55,712.61 55,915.23 61,041.91 74,245.39 74,770.35 83,767.86 97,188.89

16.47 16.47 0.00 16.47 0.00 16.47 0.01 16.47 0.33 16.81 1.38 18.19 0.52 18.71 8.61 27.32 0.35 27.67 0.00 27.67 1.01 28.68 4.98 33.66 10.02 43.68 13.65 57.32 0.21 57.53 5.27 62.81 13.59 76.39 0.54 76.93 9.26 86.19 13.81 100.00

201.01 0.00 0.00 1.62 30.16 95.91 28.80 312.29 13.86 0.00 41.73 111.52 231.34 158.08 3.12 26.53 56.97 4.31 38.90 87.07

201.01 195.56 181.46 172.28 157.51 150.18 134.47 163.88 144.25 128.62 119.83 118.53 133.46 138.60 119.75 92.46 83.24 73.76 67.29 69.47

69.47

Page 111 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 24

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Textiles (Tekstil)

BAND

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

25 75 150 250 400 625 875 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. 1,854 657 1,405 1,156 1,839 1,158 1,035 1,098 838 484 444 615 481 788 547 1,057 1,198 683 1,140 422 18,899

1,854 2,511 3,916 5,072 6,911 8,069 9,104 10,202 11,040 11,524 11,968 12,583 13,064 13,852 14,399 15,456 16,654 17,337 18,477 18,899

9.81 9.81 3.48 13.29 7.43 20.72 6.12 26.84 9.73 36.57 6.13 42.70 5.48 48.17 5.81 53.98 4.43 58.42 2.56 60.98 2.35 63.33 3.25 66.58 2.55 69.13 4.17 73.29 2.89 76.19 5.59 81.78 6.34 88.12 3.61 91.74 6.03 97.77 2.23 100.00

6,066.26 297.89 818.89 1,025.06 2,273.87 2,077.43 2,242.91 3,210.24 2,753.43 1,752.91 1,697.86 3,009.78 2,680.91 4,469.49 3,749.33 10,958.87 15,104.77 10,824.46 22,790.80 11,626.40 109,431.55

6,066.26 6,364.15 7,183.04 8,208.10 10,481.97 12,559.40 14,802.31 18,012.55 20,765.98 22,518.89 24,216.75 27,226.52 29,907.43 34,376.92 38,126.25 49,085.12 64,189.89 75,014.35 97,805.15 109,431.55

5.54 5.54 0.27 5.82 0.75 6.56 0.94 7.50 2.08 9.58 1.90 11.48 2.05 13.53 2.93 16.46 2.52 18.98 1.60 20.58 1.55 22.13 2.75 24.88 2.45 27.33 4.08 31.41 3.43 34.84 10.01 44.85 13.80 58.66 9.89 68.55 20.83 89.38 10.62 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 61 2 0 0 18 6 2 8 6 18 2 12 18 21 11 42 64 51 123 84 549

61 63 63 63 81 87 89 97 103 121 123 135 153 174 185 227 291 342 465 549

11.11 11.11 0.36 11.48 0.00 11.48 0.00 11.48 3.28 14.75 1.09 15.85 0.36 16.21 1.46 17.67 1.09 18.76 3.28 22.04 0.36 22.40 2.19 24.59 3.28 27.87 3.83 31.69 2.00 33.70 7.65 41.35 11.66 53.01 9.29 62.30 22.40 84.70 15.30 100.00

4,482.65 67.50 0.00 0.00 1,290.88 500.59 0.18 109.75 960.93 3,294.32 2.75 3,370.76 1,436.80 2,758.19 64.96 5,946.79 5,934.00 1,095.52 6,823.71 47,881.39 86,021.66

4,482.65 4,550.15 4,550.15 4,550.15 5,841.02 6,341.61 6,341.79 6,451.54 7,412.46 10,706.78 10,709.53 14,080.29 15,517.09 18,275.28 18,340.24 24,287.04 30,221.03 31,316.55 38,140.27 86,021.66

5.21 5.21 73.89 0.08 5.29 22.66 0.00 5.29 0.00 0.00 5.29 0.00 1.50 6.79 56.77 0.58 7.37 24.10 0.00 7.37 0.01 0.13 7.50 3.42 1.12 8.62 34.90 3.83 12.45 187.93 0.00 12.45 0.16 3.92 16.37 111.99 1.67 18.04 53.59 3.21 21.24 61.71 0.08 21.32 1.73 6.91 28.23 54.26 6.90 35.13 39.29 1.27 36.41 10.12 7.93 44.34 29.94 55.66 100.00 411.83

73.89 71.50 63.35 55.43 55.72 50.49 42.84 35.82 35.70 47.55 44.22 51.72 51.88 53.16 48.10 49.48 47.08 41.75 39.00 78.61

78.61

Page 112 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 25

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Paper, Leather and Rubber (Kertas, Kulit dan Karet)

BAND

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

25 75 150 250 400 625 875 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. 1,301 435 695 679 1,021 805 768 879 676 402 414 569 462 653 453 933 903 537 768 264 13,617

1,301 1,736 2,431 3,110 4,131 4,936 5,704 6,583 7,259 7,661 8,075 8,644 9,106 9,759 10,212 11,145 12,048 12,585 13,353 13,617

9.55 9.55 3.19 12.75 5.10 17.85 4.99 22.84 7.50 30.34 5.91 36.25 5.64 41.89 6.46 48.34 4.96 53.31 2.95 56.26 3.04 59.30 4.18 63.48 3.39 66.87 4.80 71.67 3.33 74.99 6.85 81.85 6.63 88.48 3.94 92.42 5.64 98.06 1.94 100.00

8,470.95 254.43 558.20 701.06 1,425.55 1,706.35 1,848.89 2,883.04 2,483.16 1,942.44 2,073.46 3,288.07 2,922.58 5,219.75 5,498.94 11,700.28 14,954.01 9,340.96 17,399.22 7,750.12 102,421.46

8,470.95 8,725.38 9,283.58 9,984.64 11,410.19 13,116.54 14,965.43 17,848.47 20,331.63 22,274.07 24,347.54 27,635.60 30,558.18 35,777.93 41,276.87 52,977.15 67,931.15 77,272.11 94,671.34 102,421.46

8.27 8.27 0.25 8.52 0.55 9.06 0.68 9.75 1.39 11.14 1.67 12.81 1.81 14.61 2.81 17.43 2.42 19.85 1.90 21.75 2.02 23.77 3.21 26.98 2.85 29.84 5.10 34.93 5.37 40.30 11.42 51.72 14.60 66.33 9.12 75.45 16.99 92.43 7.57 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 72 4 2 0 11 10 12 21 12 0 6 5 11 18 11 40 55 46 83 52 471

72 76 78 78 89 99 111 132 144 144 150 155 166 184 195 235 290 336 419 471

15.29 15.29 0.85 16.14 0.42 16.56 0.00 16.56 2.34 18.90 2.12 21.02 2.55 23.57 4.46 28.03 2.55 30.57 0.00 30.57 1.27 31.85 1.06 32.91 2.34 35.24 3.82 39.07 2.34 41.40 8.49 49.89 11.68 61.57 9.77 71.34 17.62 88.96 11.04 100.00

9,855.10 48.40 0.68 0.00 180.02 254.93 310.14 231.50 387.10 0.00 2,929.46 1,375.11 5,051.39 3,104.41 218.08 31,588.08 3,812.33 49,648.08 19,368.34 8,532.88 136,896.03

9,855.10 9,903.49 9,904.17 9,904.17 10,084.19 10,339.12 10,649.26 10,880.76 11,267.86 11,267.86 14,197.32 15,572.43 20,623.83 23,728.24 23,946.32 55,534.40 59,346.73 108,994.81 128,363.15 136,896.03

7.20 7.20 0.04 7.23 0.00 7.23 0.00 7.23 0.13 7.37 0.19 7.55 0.23 7.78 0.17 7.95 0.28 8.23 0.00 8.23 2.14 10.37 1.00 11.38 3.69 15.07 2.27 17.33 0.16 17.49 23.07 40.57 2.78 43.35 36.27 79.62 14.15 93.77 6.23 100.00

116.34 19.02 0.12 0.00 12.63 14.94 16.77 8.03 15.59 0.00 141.28 41.82 172.84 59.47 3.97 269.98 25.49 531.51 111.32 110.10

116.34 113.50 106.68 99.19 88.38 78.83 71.16 60.96 55.42 50.59 58.31 56.35 67.49 66.32 58.01 104.83 87.36 141.05 135.59 133.66

133.66

Page 113 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 26

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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 F rp RP BAND CUM. BAND CUM. 1,137 589 814 520 688 460 434 531 395 306 249 337 302 399 325 673 669 366 423 88 9,705

1,137 1,726 2,540 3,060 3,748 4,208 4,642 5,173 5,568 5,874 6,123 6,460 6,762 7,161 7,486 8,159 8,828 9,194 9,617 9,705

11.72 11.72 6.07 17.78 8.39 26.17 5.36 31.53 7.09 38.62 4.74 43.36 4.47 47.83 5.47 53.30 4.07 57.37 3.15 60.53 2.57 63.09 3.47 66.56 3.11 69.68 4.11 73.79 3.35 77.14 6.93 84.07 6.89 90.96 3.77 94.73 4.36 99.09 0.91 100.00

4,840.91 1,042.03 929.15 892.19 1,644.67 1,346.55 1,720.98 2,856.85 2,262.86 2,324.46 2,164.14 2,857.30 3,436.86 5,306.80 5,839.74 14,710.87 18,720.01 9,061.93 12,007.17 4,339.66 98,305.13

4,840.91 5,882.94 6,812.10 7,704.29 9,348.95 10,695.51 12,416.48 15,273.34 17,536.20 19,860.66 22,024.80 24,882.10 28,318.96 33,625.76 39,465.49 54,176.37 72,896.37 81,958.30 93,965.48 98,305.13

4.92 4.92 1.06 5.98 0.95 6.93 0.91 7.84 1.67 9.51 1.37 10.88 1.75 12.63 2.91 15.54 2.30 17.84 2.36 20.20 2.20 22.40 2.91 25.31 3.50 28.81 5.40 34.21 5.94 40.15 14.96 55.11 19.04 74.15 9.22 83.37 12.21 95.59 4.41 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 25 0 8 5 6 12 4 15 8 4 6 14 5 17 5 29 33 33 20 15 264

25 25 33 38 44 56 60 75 83 87 93 107 112 129 134 163 196 229 249 264

9.47 9.47 0.00 9.47 3.03 12.50 1.89 14.39 2.27 16.67 4.55 21.21 1.52 22.73 5.68 28.41 3.03 31.44 1.52 32.95 2.27 35.23 5.30 40.53 1.89 42.42 6.44 48.86 1.89 50.76 10.98 61.74 12.50 74.24 12.50 86.74 7.58 94.32 5.68 100.00

985.61 0.00 11,429.30 90.88 96.40 508.58 468.80 1,923.22 1,141.48 58.41 109.18 807.90 286.64 1,257.73 3.25 3,831.39 8,764.90 5,191.05 3,153.98 542.93 40,651.65

985.61 985.61 12,414.92 12,505.80 12,602.20 13,110.79 13,579.59 15,502.80 16,644.28 16,702.70 16,811.87 17,619.77 17,906.42 19,164.14 19,167.39 22,998.78 31,763.68 36,954.74 40,108.71 40,651.65

2.42 2.42 0.00 2.42 28.12 30.54 0.22 30.76 0.24 31.00 1.25 32.25 1.15 33.40 4.73 38.14 2.81 40.94 0.14 41.09 0.27 41.36 1.99 43.34 0.71 44.05 3.09 47.14 0.01 47.15 9.42 56.58 21.56 78.14 12.77 90.91 7.76 98.66 1.34 100.00

LOSS RATIO PERCENTAGE BAND CUM. 20.36 0.00 1,230,08 10.19 5.86 37.77 27.24 67.32 50.44 2.51 5.04 28.27 8.34 23.70 0.06 26.04 46.82 57.28 26.27 12.51

20.36 16.75 182.25 162.32 134.80 122.58 109.37 101.50 94.91 84.10 76.33 70.81 63.23 56.99 48.57 42.45 43.57 45.09 42.68 41.35

41.35

Page 114 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 27

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Nutritional, Drinks and Tobacco (Makanan, Minuman dan Tembakau)

BAND

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

25 75 150 250 400 625 875 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. 6,971 3,511 4,952 2,057 3,001 1,536 1,469 1,674 1,186 990 800 1,291 1,019 1,907 1,305 2,559 2,651 1,541 1,729 691 42,840

6,971 10,482 15,434 17,491 20,492 22,028 23,497 25,171 26,357 27,347 28,147 29,438 30,457 32,364 33,669 36,228 38,879 40,420 42,149 42,840

16.27 16.27 8.20 24.47 11.56 36.03 4.80 40.83 7.01 47.83 3.59 51.42 3.43 54.85 3.91 58.76 2.77 61.52 2.31 63.84 1.87 65.70 3.01 68.72 2.38 71.09 4.45 75.55 3.05 78.59 5.97 84.57 6.19 90.75 3.60 94.35 4.04 98.39 1.61 100.00

8,784.80 827.28 1,309.44 1,285.47 2,443.33 1,901.65 1,896.41 2,954.15 2,325.42 2,210.48 2,354.95 4,014.52 4,000.43 10,234.47 7,741.11 18,633.89 26,749.34 18,265.93 22,684.40 32,822.10 173,439.56

8,784.80 9,612.09 10,921.52 12,206.99 14,650.32 16,551.97 18,448.38 21,402.52 23,727.94 25,938.42 28,293.37 32,307.88 36,308.31 46,542.78 54,283.90 72,917.79 99,667.12 117,933.05 140,617.46 173,439.56

5.07 5.07 0.48 5.54 0.75 6.30 0.74 7.04 1.41 8.45 1.10 9.54 1.09 10.64 1.70 12.34 1.34 13.68 1.27 14.96 1.36 16.31 2.31 18.63 2.31 20.93 5.90 26.84 4.46 31.30 10.74 42.04 15.42 57.47 10.53 68.00 13.08 81.08 18.92 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 83 9 20 12 15 14 4 31 18 9 8 13 24 386 37 83 91 86 135 82 1,160

83 92 112 124 139 153 157 188 206 215 223 236 260 646 683 766 857 943 1,078 1,160

7.16 7.16 0.78 7.93 1.72 9.66 1.03 10.69 1.29 11.98 1.21 13.19 0.34 13.53 2.67 16.21 1.55 17.76 0.78 18.53 0.69 19.22 1.12 20.34 2.07 22.41 33.28 55.69 3.19 58.88 7.16 66.03 7.84 73.88 7.41 81.29 11.64 92.93 7.07 100.00

10,857.19 203.48 4,349.05 214.48 6,579.75 170.18 18.41 465.18 209.21 75.58 258.60 354.43 4,543.58 2,953.75 1,432.18 28,761.85 33,124.17 3,236.23 13,378.79 31,145.91 142,332.00

10,857.19 11,060.68 15,409.72 15,624.20 22,203.95 22,374.13 22,392.54 22,857.72 23,066.93 23,142.52 23,401.11 23,755.54 28,299.12 31,252.87 32,685.05 61,446.90 94,571.07 97,807.30 111,186.09 142,332.00

7.63 7.63 0.14 7.77 3.06 10.83 0.15 10.98 4.62 15.60 0.12 15.72 0.01 15.73 0.33 16.06 0.15 16.21 0.05 16.26 0.18 16.44 0.25 16.69 3.19 19.88 2.08 21.96 1.01 22.96 20.21 43.17 23.27 66.44 2.27 68.72 9.40 78.12 21.88 100.00

123.59 24.60 332.13 16.68 269.29 8.95 0.97 15.75 9.00 3.42 10.98 8.83 113.58 28.86 18.50 154.35 123.83 17.72 58.98 94.89

123.59 115.07 141.09 127.99 151.56 135.18 121.38 106.80 97.21 89.22 82.71 73.53 77.94 67.15 60.21 84.27 94.89 82.93 79.07 82.06

82.06

Page 115 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 28

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Power and Heating (Pembangkit Tenaga dan Pemanas)

BAND

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

25 75 150 250 400 625 875 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. 139 13 12 15 17 30 291 42 34 19 36 44 29 53 53 136 196 134 202 198 1,693

139 152 164 179 196 226 517 559 593 612 648 692 721 774 827 963 1,159 1,293 1,495 1,693

8.21 8.21 0.77 8.98 0.71 9.69 0.89 10.57 1.00 11.58 1.77 13.35 17.19 30.54 2.48 33.02 2.01 35.03 1.12 36.15 2.13 38.28 2.60 40.87 1.71 42.59 3.13 45.72 3.13 48.85 8.03 56.88 11.58 68.46 7.91 76.37 11.93 88.30 11.70 100.00

1,458.75 1.26 8.20 9.84 40.68 89.11 179.44 89.92 60.83 89.42 78.80 124.50 99.98 488.51 454.82 1,414.03 2,060.11 1,840.44 2,930.52 22,461.04 33,980.19

1,458.75 1,460.02 1,468.21 1,478.05 1,518.73 1,607.84 1,787.28 1,877.20 1,938.03 2,027.44 2,106.25 2,230.74 2,330.72 2,819.23 3,274.05 4,688.08 6,748.19 8,588.63 11,519.15 33,980.19

4.29 4.29 0.00 4.30 0.02 4.32 0.03 4.35 0.12 4.47 0.26 4.73 0.53 5.26 0.26 5.52 0.18 5.70 0.26 5.97 0.23 6.20 0.37 6.56 0.29 6.86 1.44 8.30 1.34 9.64 4.16 13.80 6.06 19.86 5.42 25.28 8.62 33.90 66.10 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 7 0 3 2 0 0 0 0 0 0 4 0 0 0 0 8 8 4 10 9 55

7 7 10 12 12 12 12 12 12 12 16 16 16 16 16 24 32 36 46 55

12.73 12.73 0.00 12.73 5.45 18.18 3.64 21.82 0.00 21.82 0.00 21.82 0.00 21.82 0.00 21.82 0.00 21.82 0.00 21.82 7.27 29.09 0.00 29.09 0.00 29.09 0.00 29.09 0.00 29.09 14.55 43.64 14.55 58.18 7.27 65.45 18.18 83.64 16.36 100.00

418.72 0.00 3,580.18 201.37 0.00 0.00 0.00 0.00 0.00 0.00 33.18 0.00 0.00 0.00 0.00 44.60 14.60 174.02 64.79 4,624.21 9,155.67

418.72 418.72 3,998.90 4,200.27 4,200.27 4,200.27 4,200.27 4,200.27 4,200.27 4,200.27 4,233.46 4,233.46 4,233.46 4,233.46 4,233.46 4,278.06 4,292.66 4,466.67 4,531.46 9,155.67

4.57 4.57 0.00 4.57 39.10 43.68 2.20 45.88 0.00 45.88 0.00 45.88 0.00 45.88 0.00 45.88 0.00 45.88 0.00 45.88 0.36 46.24 0.00 46.24 0.00 46.24 0.00 46.24 0.00 46.24 0.49 46.73 0.16 46.89 1.90 48.79 0.71 49.49 50.51 100.00

LOSS RATIO PERCENTAGE BAND CUM. 28.70 0.00 43,679,76 2,047,35 0.00 0.00 0.00 0.00 0.00 0.00 42.11 0.00 0.00 0.00 0.00 3.15 0.71 9.46 2.21 20.59

28.70 28.68 272.37 284.18 276.57 261.24 235.01 223.75 216.73 207.17 201.00 189.78 181.64 150.16 129.30 91.25 63.61 52.01 39.34 26.94

26.94

Page 116 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 29

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

BAND

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

25 75 150 250 400 625 875 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. 184,322 163,373 224,474 140,435 162,878 89,794 67,318 58,591 36,762 21,847 19,270 22,790 17,602 21,037 14,164 18,681 11,925 4,532 4,093 1,298 1,285,186

184,322 347,695 572,169 712,604 875,482 965,276 1,032,594 1,091,185 1,127,947 1,149,794 1,169,064 1,191,854 1,209,456 1,230,493 1,244,657 1,263,338 1,275,263 1,279,795 1,283,888 1,285,186

14.34 14.34 12.71 27.05 17.47 44.52 10.93 55.45 12.67 68.12 6.99 75.11 5.24 80.35 4.56 84.90 2.86 87.77 1.70 89.47 1.50 90.96 1.77 92.74 1.37 94.11 1.64 95.74 1.10 96.85 1.45 98.30 0.93 99.23 0.35 99.58 0.32 99.90 0.10 100.00

87,140.48 25,252.06 59,940.28 60,836.46 122,942.35 90,180.46 92,053.03 100,428.37 77,805.19 52,980.82 49,787.81 66,729.24 57,198.33 84,502.24 70,882.60 157,054.38 114,961.55 56,214.47 82,045.98 31,339.94 1,540,276.03

87,140.48 112,392.54 172,332.82 233,169.28 356,111.62 446,292.08 538,345.12 638,773.48 716,578.67 769,559.49 819,347.30 886,076.54 943,274.88 1,027,777.11 1,098,659.71 1,255,714.09 1,370,675.64 1,426,890.11 1,508,936.09 1,540,276.03

5.66 5.66 1.64 7.30 3.89 11.19 3.95 15.14 7.98 23.12 5.85 28.97 5.98 34.95 6.52 41.47 5.05 46.52 3.44 49.96 3.23 53.19 4.33 57.53 3.71 61.24 5.49 66.73 4.60 71.33 10.20 81.53 7.46 88.99 3.65 92.64 5.33 97.97 2.03 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 773 189 336 288 408 271 279 314 267 143 145 187 166 258 181 346 361 268 472 185 5,837

773 962 1,298 1,586 1,994 2,265 2,544 2,858 3,125 3,268 3,413 3,600 3,766 4,024 4,205 4,551 4,912 5,180 5,652 5,837

13.24 13.24 3.24 16.48 5.76 22.24 4.93 27.17 6.99 34.16 4.64 38.80 4.78 43.58 5.38 48.96 4.57 53.54 2.45 55.99 2.48 58.47 3.20 61.68 2.84 64.52 4.42 68.94 3.10 72.04 5.93 77.97 6.18 84.15 4.59 88.74 8.09 96.83 3.17 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 69,719.74 3,494.71 21,545.05 10,601.28 23,241.12 11,566.67 22,002.94 14,457.14 14,889.80 5,321.20 8,538.11 8,103.18 9,037.90 22,842.68 20,767.93 32,568.33 16,827.99 16,034.55 20,267.83 30,605.11 382,433.27

69,719.74 73,214.46 94,759.51 105,360.79 128,601.91 140,168.58 162,171.52 176,628.67 191,518.46 196,839.67 205,377.78 213,480.96 222,518.86 245,361.54 266,129.47 298,697.80 315,525.79 331,560.34 351,828.16 382,433.27

18.23 18.23 0.91 19.14 5.63 24.78 2.77 27.55 6.08 33.63 3.02 36.65 5.75 42.41 3.78 46.19 3.89 50.08 1.39 51.47 2.23 53.70 2.12 55.82 2.36 58.19 5.97 64.16 5.43 69.59 8.52 78.10 4.40 82.50 4.19 86.70 5.30 92.00 8.00 100.00

80.01 13.84 35.94 17.43 18.90 12.83 23.90 14.40 19.14 10.04 17.15 12.14 15.80 27.03 29.30 20.74 14.64 28.52 24.70 97.66

80.01 65.14 54.99 45.19 36.11 31.41 30.12 27.65 26.73 25.58 25.07 24.09 23.59 23.87 24.22 23.79 23.02 23.24 23.32 24.83

24.83

Page 117 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 30

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Estate Plantation Risk

BAND

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 233 56 31 17 34 42 29 42 30 33 37 89 19 61 78 165 77 3 2 0 1,078

233 289 320 337 371 413 442 484 514 547 584 673 692 753 831 996 1,073 1,076 1,078 1,078

21.61 21.61 5.19 26.81 2.88 29.68 1.58 31.26 3.15 34.42 3.90 38.31 2.69 41.00 3.90 44.90 2.78 47.68 3.06 50.74 3.43 54.17 8.26 62.43 1.76 64.19 5.66 69.85 7.24 77.09 15.31 92.39 7.14 99.54 0.28 99.81 0.19 100.00 0.00 100.00

3,890.85 27.39 23.87 24.75 170.83 247.60 134.54 277.50 252.84 261.69 264.76 1,116.09 271.35 747.25 1,098.16 3,038.15 1,912.71 21.36 3.21 0.00 13,784.90

3,890.85 3,918.24 3,942.11 3,966.86 4,137.69 4,385.29 4,519.83 4,797.33 5,050.17 5,311.87 5,576.63 6,692.72 6,964.06 7,711.31 8,809.47 11,847.62 13,760.33 13,781.70 13,784.90 13,784.90

28.23 28.23 0.20 28.42 0.17 28.60 0.18 28.78 1.24 30.02 1.80 31.81 0.98 32.79 2.01 34.80 1.83 36.64 1.90 38.53 1.92 40.45 8.10 48.55 1.97 50.52 5.42 55.94 7.97 63.91 22.04 85.95 13.88 99.82 0.15 99.98 0.02 100.00 0.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 14 0 0 0 0 2 0 0 0 0 0 0 0 0 0 6 0 0 0 0 22

14 14 14 14 14 16 16 16 16 16 16 16 16 16 16 22 22 22 22 22

63.64 0.00 0.00 0.00 0.00 9.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 27.27 0.00 0.00 0.00 0.00

63.64 63.64 63.64 63.64 63.64 72.73 72.73 72.73 72.73 72.73 72.73 72.73 72.73 72.73 72.73 100.00 100.00 100.00 100.00 100.00

171.79 0.00 0.00 0.00 0.00 6.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 73.10 0.00 0.00 0.00 0.00 251.12

171.79 171.79 171.79 171.79 171.79 178.01 178.01 178.01 178.01 178.01 178.01 178.01 178.01 178.01 178.01 251.12 251.12 251.12 251.12 251.12

68.41 0.00 0.00 0.00 0.00 2.48 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 29.11 0.00 0.00 0.00 0.00

68.41 68.41 68.41 68.41 68.41 70.89 70.89 70.89 70.89 70.89 70.89 70.89 70.89 70.89 70.89 100.00 100.00 100.00 100.00 100.00

4.42 0.00 0.00 0.00 0.00 2.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.41 0.00 0.00 0.00 0.00

4.42 4.38 4.36 4.33 4.15 4.06 3.94 3.71 3.52 3.35 3.19 2.66 2.56 2.31 2.02 2.12 1.82 1.82 1.82 1.82

1.82

Page 118 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 31

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Estate Plantation Risk

BAND

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 195 24 36 34 36 57 41 51 74 49 46 90 44 95 42 64 207 187 137 48 1,557

195 219 255 289 325 382 423 474 548 597 643 733 777 872 914 978 1,185 1,372 1,509 1,557

12.52 12.52 1.54 14.07 2.31 16.38 2.18 18.56 2.31 20.87 3.66 24.53 2.63 27.17 3.28 30.44 4.75 35.20 3.15 38.34 2.95 41.30 5.78 47.08 2.83 49.90 6.10 56.01 2.70 58.70 4.11 62.81 13.29 76.11 12.01 88.12 8.80 96.92 3.08 100.00

4,407.16 12.02 15.00 40.76 27.64 78.12 63.58 128.00 398.80 411.50 222.67 426.18 389.14 767.61 396.38 917.89 4,960.41 6,327.93 5,127.75 650.91 25,769.45

4,407.16 4,419.18 4,434.18 4,474.94 4,502.57 4,580.70 4,644.28 4,772.28 5,171.09 5,582.59 5,805.26 6,231.43 6,620.58 7,388.18 7,784.56 8,702.45 13,662.86 19,990.79 25,118.54 25,769.45

17.10 17.10 0.05 17.15 0.06 17.21 0.16 17.37 0.11 17.47 0.30 17.78 0.25 18.02 0.50 18.52 1.55 20.07 1.60 21.66 0.86 22.53 1.65 24.18 1.51 25.69 2.98 28.67 1.54 30.21 3.56 33.77 19.25 53.02 24.56 77.58 19.90 97.47 2.53 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 6 0 0 3 0 5 0 0 2 0 0 4 0 0 0 2 8 2 11 2 45

6 6 6 9 9 14 14 14 16 16 16 20 20 20 20 22 30 32 43 45

13.33 13.33 0.00 13.33 0.00 13.33 6.67 20.00 0.00 20.00 11.11 31.11 0.00 31.11 0.00 31.11 4.44 35.56 0.00 35.56 0.00 35.56 8.89 44.44 0.00 44.44 0.00 44.44 0.00 44.44 4.44 48.89 17.78 66.67 4.44 71.11 24.44 95.56 4.44 100.00

229.25 0.00 0.00 92.27 0.00 161.45 0.00 0.00 29.78 0.00 0.00 13.02 0.00 0.00 0.00 9.27 211.01 48.60 4,170.65 20.33 4,985.63

229.25 229.25 229.25 321.53 321.53 482.98 482.98 482.98 512.76 512.76 512.76 525.77 525.77 525.77 525.77 535.04 746.05 794.65 4,965.31 4,985.63

4.60 4.60 5.20 0.00 4.60 0.00 0.00 4.60 0.00 1.85 6.45 226.40 0.00 6.45 0.00 3.24 9.69 206.66 0.00 9.69 0.00 0.00 9.69 0.00 0.60 10.28 7.47 0.00 10.28 0.00 0.00 10.28 0.00 0.26 10.55 3.05 0.00 10.55 0.00 0.00 10.55 0.00 0.00 10.55 0.00 0.19 10.73 1.01 4.23 14.96 4.25 0.97 15.94 0.77 83.65 99.59 81.33 0.41 100.00 3.12

5.20 5.19 5.17 7.19 7.14 10.54 10.40 10.12 9.92 9.18 8.83 8.44 7.94 7.12 6.75 6.15 5.46 3.98 19.77 19.35

19.35

Page 119 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 32

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Recreation Place (Tempat rekreasi/liburan)

BAND

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

25 75 150 250 400 625 875 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. 62 25 5 8 3 4 4 12 1 7 1 1 1 22 2 23 4 13 5 9 212

62 87 92 100 103 107 111 123 124 131 132 133 134 156 158 181 185 198 203 212

29.25 29.25 11.79 41.04 2.36 43.40 3.77 47.17 1.42 48.58 1.89 50.47 1.89 52.36 5.66 58.02 0.47 58.49 3.30 61.79 0.47 62.26 0.47 62.74 0.47 63.21 10.38 73.58 0.94 74.53 10.85 85.38 1.89 87.26 6.13 93.40 2.36 95.75 4.25 100.00

694.96 209.14 14.74 3.78 3.14 5.80 5.48 67.77 3.03 420.17 5.70 14.44 9.61 1,493.68 4.82 1,739.24 52.74 418.45 76.46 120.42 5,363.58

694.96 904.10 918.84 922.61 925.75 931.56 937.03 1,004.80 1,007.83 1,428.00 1,433.70 1,448.14 1,457.75 2,951.43 2,956.25 4,695.50 4,748.24 5,166.69 5,243.15 5,363.58

12.96 12.96 3.90 16.86 0.27 17.13 0.07 17.20 0.06 17.26 0.11 17.37 0.10 17.47 1.26 18.73 0.06 18.79 7.83 26.62 0.11 26.73 0.27 27.00 0.18 27.18 27.85 55.03 0.09 55.12 32.43 87.54 0.98 88.53 7.80 96.33 1.43 97.75 2.25 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 8 0 0 5 0 0 0 0 0 0 0 0 0 0 2 0 0 2 3 37 57

8 8 8 13 13 13 13 13 13 13 13 13 13 13 15 15 15 17 20 57

14.04 14.04 0.00 14.04 0.00 14.04 8.77 22.81 0.00 22.81 0.00 22.81 0.00 22.81 0.00 22.81 0.00 22.81 0.00 22.81 0.00 22.81 0.00 22.81 0.00 22.81 0.00 22.81 3.51 26.32 0.00 26.32 0.00 26.32 3.51 29.82 5.26 35.09 64.91 100.00

49.26 0.00 0.00 0.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 62.45 0.00 0.00 122.47 89.74 461.26 785.91

49.26 49.26 49.26 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 112.44 112.44 112.44 234.92 324.65 785.91

6.27 6.27 0.00 6.27 0.00 6.27 0.09 6.36 0.00 6.36 0.00 6.36 0.00 6.36 0.00 6.36 0.00 6.36 0.00 6.36 0.00 6.36 0.00 6.36 0.00 6.36 0.00 6.36 7.95 14.31 0.00 14.31 0.00 14.31 15.58 29.89 11.42 41.31 58.69 100.00

LOSS RATIO PERCENTAGE BAND CUM. 7.09 0.00 0.00 19.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,294,46 0.00 0.00 29.27 117.36 383.03

7.09 5.45 5.36 5.42 5.40 5.37 5.34 4.98 4.96 3.50 3.49 3.45 3.43 1.69 3.80 2.39 2.37 4.55 6.19 14.65

14.65

Page 120 of 204

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 40

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Non Estate Plantation Risk

BAND

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,512 514 180 72 108 57 39 51 29 19 8 9 15 16 22 31 48 38 42 7 2,817

1,512 2,026 2,206 2,278 2,386 2,443 2,482 2,533 2,562 2,581 2,589 2,598 2,613 2,629 2,651 2,682 2,730 2,768 2,810 2,817

53.67 53.67 18.25 71.92 6.39 78.31 2.56 80.87 3.83 84.70 2.02 86.72 1.38 88.11 1.81 89.92 1.03 90.95 0.67 91.62 0.28 91.91 0.32 92.23 0.53 92.76 0.57 93.33 0.78 94.11 1.10 95.21 1.70 96.91 1.35 98.26 1.49 99.75 0.25 100.00

685.65 126.70 135.42 29.03 93.35 50.82 195.28 94.55 205.31 335.44 19.92 76.09 134.04 235.43 256.96 908.71 992.92 481.16 1,473.94 69.40 6,600.11

685.65 812.35 947.77 976.80 1,070.15 1,120.97 1,316.24 1,410.80 1,616.11 1,951.55 1,971.47 2,047.56 2,181.60 2,417.03 2,673.98 3,582.69 4,575.61 5,056.78 6,530.71 6,600.11

10.39 10.39 1.92 12.31 2.05 14.36 0.44 14.80 1.41 16.21 0.77 16.98 2.96 19.94 1.43 21.38 3.11 24.49 5.08 29.57 0.30 29.87 1.15 31.02 2.03 33.05 3.57 36.62 3.89 40.51 13.77 54.28 15.04 69.33 7.29 76.62 22.33 98.95 1.05 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 121 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,962 2,591 4,009 2,137 1,990 682 522 364 182 95 74 89 62 102 46 75 60 43 21 19 15,125

1,962 4,553 8,562 10,699 12,689 13,371 13,893 14,257 14,439 14,534 14,608 14,697 14,759 14,861 14,907 14,982 15,042 15,085 15,106 15,125

12.97 12.97 17.13 30.10 26.51 56.61 14.13 70.74 13.16 83.89 4.51 88.40 3.45 91.85 2.41 94.26 1.20 95.46 0.63 96.09 0.49 96.58 0.59 97.17 0.41 97.58 0.67 98.25 0.30 98.56 0.50 99.05 0.40 99.45 0.28 99.74 0.14 99.87 0.13 100.00

932.98 499.84 1,525.46 1,264.29 1,872.22 981.33 1,085.96 933.93 570.53 306.12 271.62 498.66 314.52 654.88 428.94 870.61 1,082.89 584.27 731.18 2,895.45 18,305.69

932.98 1,432.82 2,958.28 4,222.57 6,094.79 7,076.12 8,162.07 9,096.01 9,666.54 9,972.66 10,244.28 10,742.94 11,057.47 11,712.35 12,141.29 13,011.90 14,094.79 14,679.06 15,410.24 18,305.69

5.10 5.10 2.73 7.83 8.33 16.16 6.91 23.07 10.23 33.29 5.36 38.66 5.93 44.59 5.10 49.69 3.12 52.81 1.67 54.48 1.48 55.96 2.72 58.69 1.72 60.40 3.58 63.98 2.34 66.33 4.76 71.08 5.92 77.00 3.19 80.19 3.99 84.18 15.82 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 4 2 7 4 2 0 2 6 5 0 0 0 0 0 3 0 0 0 2 0 37

4 6 13 17 19 19 21 27 32 32 32 32 32 32 35 35 35 35 37 37

10.81 10.81 5.41 16.22 18.92 35.14 10.81 45.95 5.41 51.35 0.00 51.35 5.41 56.76 16.22 72.97 13.51 86.49 0.00 86.49 0.00 86.49 0.00 86.49 0.00 86.49 0.00 86.49 8.11 94.59 0.00 94.59 0.00 94.59 0.00 94.59 5.41 100.00 0.00 100.00

111.39 63.31 4,080.98 56.73 157.95 0.00 12.51 345.62 525.14 0.00 0.00 0.00 0.00 0.00 57.77 0.00 0.00 0.00 17.36 0.00 5,428.76

111.39 174.70 4,255.68 4,312.41 4,470.36 4,470.36 4,482.87 4,828.49 5,353.63 5,353.63 5,353.63 5,353.63 5,353.63 5,353.63 5,411.40 5,411.40 5,411.40 5,411.40 5,428.76 5,428.76

2.05 2.05 11.94 11.94 1.17 3.22 12.67 12.19 75.17 78.39 267.52 143.86 1.04 79.44 4.49 102.13 2.91 82.35 8.44 73.35 0.00 82.35 0.00 63.18 0.23 82.58 1.15 54.92 6.37 88.94 37.01 53.08 9.67 98.62 92.04 55.38 0.00 98.62 0.00 53.68 0.00 98.62 0.00 52.26 0.00 98.62 0.00 49.83 0.00 98.62 0.00 48.42 0.00 98.62 0.00 45.71 1.06 99.68 13.47 44.57 0.00 99.68 0.00 41.59 0.00 99.68 0.00 38.39 0.00 99.68 0.00 36.86 0.32 100.00 2.37 35.23 0.00 100.00 0.00 29.66 29.66

Page 122 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 15,290 12,193 16,485 11,090 12,796 6,375 4,645 4,000 2,503 1,516 1,318 1,620 1,147 1,466 888 1,310 1,149 574 503 133 97,001

15,290 27,483 43,968 55,058 67,854 74,229 78,874 82,874 85,377 86,893 88,211 89,831 90,978 92,444 93,332 94,642 95,791 96,365 96,868 97,001

15.76 15.76 12.57 28.33 16.99 45.33 11.43 56.76 13.19 69.95 6.57 76.52 4.79 81.31 4.12 85.44 2.58 88.02 1.56 89.58 1.36 90.94 1.67 92.61 1.18 93.79 1.51 95.30 0.92 96.22 1.35 97.57 1.18 98.75 0.59 99.34 0.52 99.86 0.14 100.00

12,833.78 1,827.42 4,415.33 5,350.42 9,346.86 7,130.88 6,986.92 7,730.85 5,788.24 4,446.88 3,795.67 5,327.71 4,612.43 8,010.39 7,690.08 14,956.97 16,859.42 12,528.73 15,978.71 4,599.61 160,217.30

12,833.78 14,661.21 19,076.54 24,426.95 33,773.81 40,904.69 47,891.61 55,622.46 61,410.71 65,857.58 69,653.26 74,980.97 79,593.40 87,603.79 95,293.86 110,250.84 127,110.25 139,638.98 155,617.70 160,217.30

8.01 8.01 1.14 9.15 2.76 11.91 3.34 15.25 5.83 21.08 4.45 25.53 4.36 29.89 4.83 34.72 3.61 38.33 2.78 41.11 2.37 43.47 3.33 46.80 2.88 49.68 5.00 54.68 4.80 59.48 9.34 68.81 10.52 79.34 7.82 87.16 9.97 97.13 2.87 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 48 22 28 16 37 46 29 33 29 14 23 18 5 30 26 16 48 35 18 4 525

48 70 98 114 151 197 226 259 288 302 325 343 348 378 404 420 468 503 521 525

9.14 9.14 4.19 13.33 5.33 18.67 3.05 21.71 7.05 28.76 8.76 37.52 5.52 43.05 6.29 49.33 5.52 54.86 2.67 57.52 4.38 61.90 3.43 65.33 0.95 66.29 5.71 72.00 4.95 76.95 3.05 80.00 9.14 89.14 6.67 95.81 3.43 99.24 0.76 100.00

12,327.32 548.10 722.53 1,047.96 817.26 1,962.37 3,212.51 1,974.62 3,470.52 114.79 322.00 207.29 4,133.18 7,936.77 7,530.03 374.78 8,508.67 698.85 4,526.16 22.67 60,458.39

12,327.32 12,875.42 13,597.94 14,645.90 15,463.16 17,425.54 20,638.04 22,612.67 26,083.19 26,197.98 26,519.98 26,727.26 30,860.44 38,797.22 46,327.25 46,702.03 55,210.71 55,909.56 60,435.72 60,458.39

20.39 20.39 0.91 21.30 1.20 22.49 1.73 24.22 1.35 25.58 3.25 28.82 5.31 34.14 3.27 37.40 5.74 43.14 0.19 43.33 0.53 43.86 0.34 44.21 6.84 51.04 13.13 64.17 12.45 76.63 0.62 77.25 14.07 91.32 1.16 92.48 7.49 99.96 0.04 100.00

96.05 29.99 16.36 19.59 8.74 27.52 45.98 25.54 59.96 2.58 8.48 3.89 89.61 99.08 97.92 2.51 50.47 5.58 28.33 0.49

96.05 87.82 71.28 59.96 45.78 42.60 43.09 40.65 42.47 39.78 38.07 35.65 38.77 44.29 48.62 42.36 43.44 40.04 38.84 37.74

37.74

Page 123 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

: : :

TOTAL FR, IAR, LOP, EQ 2011 03 - SUMATERA BARAT

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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

25 5,284 5,284 75 6,548 11,832 150 11,106 22,938 250 7,495 30,433 400 7,073 37,506 625 2,882 40,388 875 2,221 42,609 1,250 1,569 44,178 1,750 990 45,168 2,250 600 45,768 2,750 512 46,280 3,500 698 46,978 4,500 651 47,629 6,250 765 48,394 8,750 494 48,888 15,000 538 49,426 35,000 250 49,676 75,000 95 49,771 300,000 83 49,854 32 49,886 49,886

10.59 10.59 13.13 23.72 22.26 45.98 15.02 61.01 14.18 75.18 5.78 80.96 4.45 85.41 3.15 88.56 1.98 90.54 1.20 91.75 1.03 92.77 1.40 94.17 1.30 95.48 1.53 97.01 0.99 98.00 1.08 99.08 0.50 99.58 0.19 99.77 0.17 99.94 0.06 100.00

3,009.46 1,088.23 3,200.14 2,921.07 15,360.03 3,301.47 3,544.90 3,144.42 2,138.15 1,398.24 1,275.53 1,721.01 1,606.86 2,371.45 1,804.99 3,662.46 3,091.77 1,524.47 1,234.30 318.70 57,717.66

3,009.46 4,097.69 7,297.83 10,218.90 25,578.93 28,880.40 32,425.29 35,569.71 37,707.87 39,106.11 40,381.64 42,102.65 43,709.51 46,080.96 47,885.95 51,548.41 54,640.18 56,164.66 57,398.95 57,717.66

5.21 5.21 1.89 7.10 5.54 12.64 5.06 17.70 26.61 44.32 5.72 50.04 6.14 56.18 5.45 61.63 3.70 65.33 2.42 67.75 2.21 69.96 2.98 72.95 2.78 75.73 4.11 79.84 3.13 82.97 6.35 89.31 5.36 94.67 2.64 97.31 2.14 99.45 0.55 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 8 7 0 7 18 0 6 4 0 4 8 0 0 20 6 16 0 8 6 0 118

8 15 15 22 40 40 46 50 50 54 62 62 62 82 88 104 104 112 118 118

6.78 6.78 5.93 12.71 0.00 12.71 5.93 18.64 15.25 33.90 0.00 33.90 5.08 38.98 3.39 42.37 0.00 42.37 3.39 45.76 6.78 52.54 0.00 52.54 0.00 52.54 16.95 69.49 5.08 74.58 13.56 88.14 0.00 88.14 6.78 94.92 5.08 100.00 0.00 100.00

367.45 76.84 0.00 343.27 1,444.42 0.00 654.11 54.20 0.00 138.14 2,436.64 0.00 0.00 1,532.97 921.30 806.84 0.00 195.40 4,006.19 0.00 12,977.78

367.45 444.29 444.29 787.56 2,231.98 2,231.98 2,886.08 2,940.29 2,940.29 3,078.43 5,515.08 5,515.08 5,515.08 7,048.04 7,969.35 8,776.19 8,776.19 8,971.59 12,977.78 12,977.78

2.83 2.83 12.21 0.59 3.42 7.06 0.00 3.42 0.00 2.65 6.07 11.75 11.13 17.20 9.40 0.00 17.20 0.00 5.04 22.24 18.45 0.42 22.66 1.72 0.00 22.66 0.00 1.06 23.72 9.88 18.78 42.50 191.03 0.00 42.50 0.00 0.00 42.50 0.00 11.81 54.31 64.64 7.10 61.41 51.04 6.22 67.62 22.03 0.00 67.62 0.00 1.51 69.13 12.82 30.87 100.00 324.57 0.00 100.00 0.00

12.21 10.84 6.09 7.71 8.73 7.73 8.90 8.27 7.80 7.87 13.66 13.10 12.62 15.29 16.64 17.03 16.06 15.97 22.61 22.48

22.48

Page 124 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 5,681 5,831 8,313 6,173 6,800 2,936 2,060 1,974 1,195 731 669 773 636 689 485 650 531 367 385 72 46,951

5,681 11,512 19,825 25,998 32,798 35,734 37,794 39,768 40,963 41,694 42,363 43,136 43,772 44,461 44,946 45,596 46,127 46,494 46,879 46,951

12.10 12.10 12.42 24.52 17.71 42.22 13.15 55.37 14.48 69.86 6.25 76.11 4.39 80.50 4.20 84.70 2.55 87.25 1.56 88.80 1.42 90.23 1.65 91.87 1.35 93.23 1.47 94.70 1.03 95.73 1.38 97.11 1.13 98.24 0.78 99.03 0.82 99.85 0.15 100.00

3,203.45 1,363.26 2,625.79 3,303.65 6,403.34 3,971.73 3,589.32 3,463.78 2,514.14 1,663.56 1,793.19 2,088.28 2,081.92 2,449.72 2,046.20 4,735.12 6,661.92 5,031.14 5,988.12 686.59 65,664.19

3,203.45 4,566.70 7,192.49 10,496.14 16,899.48 20,871.21 24,460.53 27,924.30 30,438.44 32,101.99 33,895.19 35,983.47 38,065.38 40,515.10 42,561.31 47,296.43 53,958.35 58,989.48 64,977.60 65,664.19

4.88 4.88 2.08 6.95 4.00 10.95 5.03 15.98 9.75 25.74 6.05 31.78 5.47 37.25 5.27 42.53 3.83 46.35 2.53 48.89 2.73 51.62 3.18 54.80 3.17 57.97 3.73 61.70 3.12 64.82 7.21 72.03 10.15 82.17 7.66 89.84 9.12 98.95 1.05 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 29 2 16 3 13 17 10 22 8 2 4 6 0 8 2 11 16 18 45 11 243

29 31 47 50 63 80 90 112 120 122 126 132 132 140 142 153 169 187 232 243

11.93 11.93 0.82 12.76 6.58 19.34 1.23 20.58 5.35 25.93 7.00 32.92 4.12 37.04 9.05 46.09 3.29 49.38 0.82 50.21 1.65 51.85 2.47 54.32 0.00 54.32 3.29 57.61 0.82 58.44 4.53 62.96 6.58 69.55 7.41 76.95 18.52 95.47 4.53 100.00

12,327.75 1.74 506.36 12.56 598.51 1,635.88 1,157.75 1,161.92 144.36 87.78 33.18 136.50 0.00 108.96 35.41 736.81 482.33 924.92 557.18 717.95 21,367.85

12,327.75 12,329.48 12,835.84 12,848.40 13,446.91 15,082.79 16,240.55 17,402.46 17,546.82 17,634.60 17,667.78 17,804.28 17,804.28 17,913.24 17,948.66 18,685.47 19,167.79 20,092.72 20,649.90 21,367.85

57.69 57.69 384.83 384.83 0.01 57.70 0.13 269.99 2.37 60.07 19.28 178.46 0.06 60.13 0.38 122.41 2.80 62.93 9.35 79.57 7.66 70.59 41.19 72.27 5.42 76.00 32.26 66.39 5.44 81.44 33.54 62.32 0.68 82.12 5.74 57.65 0.41 82.53 5.28 54.93 0.16 82.68 1.85 52.12 0.64 83.32 6.54 49.48 0.00 83.32 0.00 46.77 0.51 83.83 4.45 44.21 0.17 84.00 1.73 42.17 3.45 87.45 15.56 39.51 2.26 89.70 7.24 35.52 4.33 94.03 18.38 34.06 2.61 96.64 9.30 31.78 3.36 100.00 104.57 32.54 32.54

Page 125 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,249 2,349 3,149 1,953 1,828 812 517 444 269 172 126 161 108 190 95 137 100 94 86 13 14,852

2,249 4,598 7,747 9,700 11,528 12,340 12,857 13,301 13,570 13,742 13,868 14,029 14,137 14,327 14,422 14,559 14,659 14,753 14,839 14,852

15.14 15.14 15.82 30.96 21.20 52.16 13.15 65.31 12.31 77.62 5.47 83.09 3.48 86.57 2.99 89.56 1.81 91.37 1.16 92.53 0.85 93.37 1.08 94.46 0.73 95.19 1.28 96.47 0.64 97.10 0.92 98.03 0.67 98.70 0.63 99.33 0.58 99.91 0.09 100.00

1,049.97 471.07 1,109.76 1,289.13 1,835.68 1,159.16 994.65 885.62 763.27 545.58 298.99 687.75 462.87 1,107.20 647.27 1,136.53 1,349.89 1,563.26 855.81 2,202.01 20,415.49

1,049.97 1,521.04 2,630.80 3,919.94 5,755.61 6,914.78 7,909.43 8,795.05 9,558.32 10,103.90 10,402.89 11,090.64 11,553.50 12,660.71 13,307.98 14,444.51 15,794.40 17,357.66 18,213.47 20,415.49

5.14 5.14 2.31 7.45 5.44 12.89 6.31 19.20 8.99 28.19 5.68 33.87 4.87 38.74 4.34 43.08 3.74 46.82 2.67 49.49 1.46 50.96 3.37 54.32 2.27 56.59 5.42 62.02 3.17 65.19 5.57 70.75 6.61 77.36 7.66 85.02 4.19 89.21 10.79 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 6 2 4 3 5 4 2 0 2 0 0 0 0 0 0 0 5 5 2 2 42

6 8 12 15 20 24 26 26 28 28 28 28 28 28 28 28 33 38 40 42

14.29 14.29 4.76 19.05 9.52 28.57 7.14 35.71 11.90 47.62 9.52 57.14 4.76 61.90 0.00 61.90 4.76 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 11.90 78.57 11.90 90.48 4.76 95.24 4.76 100.00

75.91 15.57 284.16 92.27 309.90 25.01 990.81 0.00 1,103.60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 204.15 311.92 6.66 13.57 3,433.52

75.91 91.47 375.63 467.90 777.80 802.81 1,793.62 1,793.62 2,897.22 2,897.22 2,897.22 2,897.22 2,897.22 2,897.22 2,897.22 2,897.22 3,101.37 3,413.29 3,419.94 3,433.52

2.21 2.21 7.23 0.45 2.66 3.30 8.28 10.94 25.61 2.69 13.63 7.16 9.03 22.65 16.88 0.73 23.38 2.16 28.86 52.24 99.61 0.00 52.24 0.00 32.14 84.38 144.59 0.00 84.38 0.00 0.00 84.38 0.00 0.00 84.38 0.00 0.00 84.38 0.00 0.00 84.38 0.00 0.00 84.38 0.00 0.00 84.38 0.00 5.95 90.33 15.12 9.08 99.41 19.95 0.19 99.60 0.78 0.40 100.00 0.62

7.23 6.01 14.28 11.94 13.51 11.61 22.68 20.39 30.31 28.67 27.85 26.12 25.08 22.88 21.77 20.06 19.64 19.66 18.78 16.82

16.82

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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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,653 3,544 5,905 4,022 4,514 2,252 1,739 1,386 968 577 561 636 543 578 521 745 479 238 367 121 34,349

4,653 8,197 14,102 18,124 22,638 24,890 26,629 28,015 28,983 29,560 30,121 30,757 31,300 31,878 32,399 33,144 33,623 33,861 34,228 34,349

13.55 13.55 10.32 23.86 17.19 41.06 11.71 52.76 13.14 65.91 6.56 72.46 5.06 77.52 4.04 81.56 2.82 84.38 1.68 86.06 1.63 87.69 1.85 89.54 1.58 91.12 1.68 92.81 1.52 94.32 2.17 96.49 1.39 97.89 0.69 98.58 1.07 99.65 0.35 100.00

2,504.27 585.55 1,546.87 1,865.83 3,564.80 2,704.89 2,903.85 2,800.45 2,122.91 1,181.88 1,240.10 1,620.00 1,403.87 2,189.03 2,038.58 4,991.49 4,517.95 2,623.58 5,692.98 2,413.99 50,512.86

2,504.27 3,089.82 4,636.69 6,502.52 10,067.31 12,772.20 15,676.05 18,476.50 20,599.42 21,781.29 23,021.40 24,641.39 26,045.26 28,234.29 30,272.87 35,264.36 39,782.31 42,405.89 48,098.87 50,512.86

4.96 4.96 1.16 6.12 3.06 9.18 3.69 12.87 7.06 19.93 5.35 25.29 5.75 31.03 5.54 36.58 4.20 40.78 2.34 43.12 2.46 45.58 3.21 48.78 2.78 51.56 4.33 55.90 4.04 59.93 9.88 69.81 8.94 78.76 5.19 83.95 11.27 95.22 4.78 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 19 0 2 7 6 14 14 19 0 2 2 2 2 4 0 20 12 4 35 12 176

19 19 21 28 34 48 62 81 81 83 85 87 89 93 93 113 125 129 164 176

10.80 10.80 0.00 10.80 1.14 11.93 3.98 15.91 3.41 19.32 7.95 27.27 7.95 35.23 10.80 46.02 0.00 46.02 1.14 47.16 1.14 48.30 1.14 49.43 1.14 50.57 2.27 52.84 0.00 52.84 11.36 64.20 6.82 71.02 2.27 73.30 19.89 93.18 6.82 100.00

444.95 0.00 66.33 264.49 428.85 988.17 1,226.41 1,592.73 0.00 4.88 9.39 2.74 9.00 785.68 0.00 886.41 200.65 35.89 1,212.47 2,255.99 10,415.03

444.95 444.95 511.28 775.77 1,204.62 2,192.79 3,419.20 5,011.94 5,011.94 5,016.81 5,026.20 5,028.94 5,037.94 5,823.61 5,823.61 6,710.03 6,910.68 6,946.58 8,159.04 10,415.03

4.27 4.27 0.00 4.27 0.64 4.91 2.54 7.45 4.12 11.57 9.49 21.05 11.78 32.83 15.29 48.12 0.00 48.12 0.05 48.17 0.09 48.26 0.03 48.29 0.09 48.37 7.54 55.92 0.00 55.92 8.51 64.43 1.93 66.35 0.34 66.70 11.64 78.34 21.66 100.00

17.77 0.00 4.29 14.18 12.03 36.53 42.23 56.87 0.00 0.41 0.76 0.17 0.64 35.89 0.00 17.76 4.44 1.37 21.30 93.45

17.77 14.40 11.03 11.93 11.97 17.17 21.81 27.13 24.33 23.03 21.83 20.41 19.34 20.63 19.24 19.03 17.37 16.38 16.96 20.62

20.62

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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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,203 2,613 3,419 1,988 1,643 653 411 271 144 101 105 111 87 112 67 87 57 33 8 11 14,124

2,203 4,816 8,235 10,223 11,866 12,519 12,930 13,201 13,345 13,446 13,551 13,662 13,749 13,861 13,928 14,015 14,072 14,105 14,113 14,124

15.60 15.60 18.50 34.10 24.21 58.31 14.08 72.38 11.63 84.01 4.62 88.64 2.91 91.55 1.92 93.47 1.02 94.48 0.72 95.20 0.74 95.94 0.79 96.73 0.62 97.34 0.79 98.14 0.47 98.61 0.62 99.23 0.40 99.63 0.23 99.87 0.06 99.92 0.08 100.00

918.71 415.44 971.70 881.03 1,314.77 792.01 712.46 543.79 302.06 242.73 300.34 299.32 239.15 500.77 511.59 713.52 746.79 554.93 122.45 84.49 11,168.03

918.71 1,334.15 2,305.85 3,186.88 4,501.65 5,293.66 6,006.12 6,549.91 6,851.97 7,094.70 7,395.04 7,694.35 7,933.50 8,434.27 8,945.86 9,659.38 10,406.16 10,961.10 11,083.54 11,168.03

8.23 8.23 3.72 11.95 8.70 20.65 7.89 28.54 11.77 40.31 7.09 47.40 6.38 53.78 4.87 58.65 2.70 61.35 2.17 63.53 2.69 66.22 2.68 68.90 2.14 71.04 4.48 75.52 4.58 80.10 6.39 86.49 6.69 93.18 4.97 98.15 1.10 99.24 0.76 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 6 4 3 6 1 3 3 0 3 0 0 0 0 0 4 4 0 2 2 2 43

6 10 13 19 20 23 26 26 29 29 29 29 29 29 33 37 37 39 41 43

13.95 13.95 9.30 23.26 6.98 30.23 13.95 44.19 2.33 46.51 6.98 53.49 6.98 60.47 0.00 60.47 6.98 67.44 0.00 67.44 0.00 67.44 0.00 67.44 0.00 67.44 0.00 67.44 9.30 76.74 9.30 86.05 0.00 86.05 4.65 90.70 4.65 95.35 4.65 100.00

802.65 139.70 6.39 77.13 0.00 2.06 923.05 0.00 458.41 0.00 0.00 0.00 0.00 0.00 79.20 47.49 0.00 23.11 21.60 649.34 3,230.15

802.65 942.35 948.74 1,025.87 1,025.87 1,027.94 1,950.99 1,950.99 2,409.40 2,409.40 2,409.40 2,409.40 2,409.40 2,409.40 2,488.60 2,536.10 2,536.10 2,559.20 2,580.81 3,230.15

24.85 24.85 87.37 4.32 29.17 33.63 0.20 29.37 0.66 2.39 31.76 8.75 0.00 31.76 0.00 0.06 31.82 0.26 28.58 60.40 129.56 0.00 60.40 0.00 14.19 74.59 151.76 0.00 74.59 0.00 0.00 74.59 0.00 0.00 74.59 0.00 0.00 74.59 0.00 0.00 74.59 0.00 2.45 77.04 15.48 1.47 78.51 6.66 0.00 78.51 0.00 0.72 79.23 4.16 0.67 79.90 17.64 20.10 100.00 768.56

87.37 70.63 41.14 32.19 22.79 19.42 32.48 29.79 35.16 33.96 32.58 31.31 30.37 28.57 27.82 26.26 24.37 23.35 23.29 28.92

28.92

Page 128 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,906 4,118 5,848 3,046 2,978 1,410 1,000 785 501 325 308 367 238 360 232 409 391 180 271 81 26,754

3,906 8,024 13,872 16,918 19,896 21,306 22,306 23,091 23,592 23,917 24,225 24,592 24,830 25,190 25,422 25,831 26,222 26,402 26,673 26,754

14.60 14.60 15.39 29.99 21.86 51.85 11.39 63.24 11.13 74.37 5.27 79.64 3.74 83.37 2.93 86.31 1.87 88.18 1.21 89.40 1.15 90.55 1.37 91.92 0.89 92.81 1.35 94.15 0.87 95.02 1.53 96.55 1.46 98.01 0.67 98.68 1.01 99.70 0.30 100.00

2,237.84 484.43 1,312.82 1,320.63 2,266.75 1,672.85 1,407.57 1,685.46 1,300.62 1,034.97 852.39 1,341.03 938.12 1,718.74 1,563.76 3,954.73 5,333.28 3,321.22 6,903.41 4,893.20 45,543.80

2,237.84 2,722.27 4,035.09 5,355.72 7,622.47 9,295.32 10,702.88 12,388.35 13,688.97 14,723.93 15,576.32 16,917.35 17,855.47 19,574.22 21,137.97 25,092.70 30,425.98 33,747.20 40,650.61 45,543.80

4.91 4.91 1.06 5.98 2.88 8.86 2.90 11.76 4.98 16.74 3.67 20.41 3.09 23.50 3.70 27.20 2.86 30.06 2.27 32.33 1.87 34.20 2.94 37.15 2.06 39.21 3.77 42.98 3.43 46.41 8.68 55.10 11.71 66.81 7.29 74.10 15.16 89.26 10.74 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 4 4 3 4 1 2 0 3 5 2 2 6 2 10 6 15 16 17 15 29 146

4 8 11 15 16 18 18 21 26 28 30 36 38 48 54 69 85 102 117 146

2.74 2.74 2.74 5.48 2.05 7.53 2.74 10.27 0.68 10.96 1.37 12.33 0.00 12.33 2.05 14.38 3.42 17.81 1.37 19.18 1.37 20.55 4.11 24.66 1.37 26.03 6.85 32.88 4.11 36.99 10.27 47.26 10.96 58.22 11.64 69.86 10.27 80.14 19.86 100.00

18.00 83.03 6.65 11.34 0.00 13.33 0.00 421.14 341.34 4.93 2.00 86.93 57.85 396.26 66.63 65.83 703.56 2,086.72 581.95 2,520.16 7,467.64

18.00 101.03 107.68 119.02 119.02 132.35 132.35 553.49 894.83 899.76 901.76 988.69 1,046.54 1,442.80 1,509.43 1,575.26 2,278.82 4,365.54 4,947.49 7,467.64

0.24 0.24 1.11 1.35 0.09 1.44 0.15 1.59 0.00 1.59 0.18 1.77 0.00 1.77 5.64 7.41 4.57 11.98 0.07 12.05 0.03 12.08 1.16 13.24 0.77 14.01 5.31 19.32 0.89 20.21 0.88 21.09 9.42 30.52 27.94 58.46 7.79 66.25 33.75 100.00

0.80 17.14 0.51 0.86 0.00 0.80 0.00 24.99 26.24 0.48 0.23 6.48 6.17 23.06 4.26 1.66 13.19 62.83 8.43 51.50

0.80 3.71 2.67 2.22 1.56 1.42 1.24 4.47 6.54 6.11 5.79 5.84 5.86 7.37 7.14 6.28 7.49 12.94 12.17 16.40

16.40

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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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 27,527 15,333 25,260 21,665 34,935 23,325 19,333 17,591 11,667 7,098 6,523 8,018 6,349 7,816 5,396 7,269 5,079 2,089 2,454 930 255,657

27,527 42,860 68,120 89,785 124,720 148,045 167,378 184,969 196,636 203,734 210,257 218,275 224,624 232,440 237,836 245,105 250,184 252,273 254,727 255,657

10.77 10.77 6.00 16.76 9.88 26.65 8.47 35.12 13.66 48.78 9.12 57.91 7.56 65.47 6.88 72.35 4.56 76.91 2.78 79.69 2.55 82.24 3.14 85.38 2.48 87.86 3.06 90.92 2.11 93.03 2.84 95.87 1.99 97.86 0.82 98.68 0.96 99.64 0.36 100.00

31,448.03 3,973.63 7,296.14 8,783.79 22,007.97 20,083.24 23,418.95 27,220.90 21,982.60 15,263.67 15,456.32 21,434.74 18,712.50 28,704.53 23,130.61 66,335.46 45,946.74 24,402.69 47,822.24 50,504.32 523,929.08

31,448.03 35,421.66 42,717.80 51,501.59 73,509.56 93,592.80 117,011.75 144,232.65 166,215.24 181,478.91 196,935.24 218,369.98 237,082.48 265,787.00 288,917.62 355,253.08 401,199.82 425,602.51 473,424.76 523,929.08

6.00 6.00 0.76 6.76 1.39 8.15 1.68 9.83 4.20 14.03 3.83 17.86 4.47 22.33 5.20 27.53 4.20 31.72 2.91 34.64 2.95 37.59 4.09 41.68 3.57 45.25 5.48 50.73 4.41 55.14 12.66 67.81 8.77 76.58 4.66 81.23 9.13 90.36 9.64 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 330 66 105 70 142 87 62 81 75 40 44 55 56 405 58 108 159 136 296 168 2,543

330 396 501 571 713 800 862 943 1,018 1,058 1,102 1,157 1,213 1,618 1,676 1,784 1,943 2,079 2,375 2,543

12.98 12.98 2.60 15.57 4.13 19.70 2.75 22.45 5.58 28.04 3.42 31.46 2.44 33.90 3.19 37.08 2.95 40.03 1.57 41.60 1.73 43.33 2.16 45.50 2.20 47.70 15.93 63.63 2.28 65.91 4.25 70.15 6.25 76.41 5.35 81.75 11.64 93.39 6.61 100.00

20,958.36 1,306.68 3,569.41 3,517.81 10,993.69 1,900.16 2,293.70 2,873.36 3,700.54 5,260.62 2,154.10 6,198.42 2,441.06 7,465.46 2,995.18 4,082.18 15,119.66 12,444.25 70,300.63 62,899.63 242,474.92

20,958.36 22,265.04 25,834.45 29,352.27 40,345.96 42,246.12 44,539.82 47,413.18 51,113.73 56,374.35 58,528.45 64,726.87 67,167.93 74,633.38 77,628.57 81,710.75 96,830.41 109,274.66 179,575.29 242,474.92

8.64 8.64 66.64 0.54 9.18 32.88 1.47 10.65 48.92 1.45 12.11 40.05 4.53 16.64 49.95 0.78 17.42 9.46 0.95 18.37 9.79 1.19 19.55 10.56 1.53 21.08 16.83 2.17 23.25 34.46 0.89 24.14 13.94 2.56 26.69 28.92 1.01 27.70 13.05 3.08 30.78 26.01 1.24 32.02 12.95 1.68 33.70 6.15 6.24 39.93 32.91 5.13 45.07 51.00 28.99 74.06 147.00 25.94 100.00 124.54

66.64 62.86 60.48 56.99 54.89 45.14 38.06 32.87 30.75 31.06 29.72 29.64 28.33 28.08 26.87 23.00 24.14 25.68 37.93 46.28

46.28

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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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 32,712 29,548 37,270 22,040 24,524 13,683 10,605 9,575 6,416 4,089 3,821 4,857 3,857 5,035 3,738 5,580 4,905 2,230 2,913 1,014 228,412

32,712 62,260 99,530 121,570 146,094 159,777 170,382 179,957 186,373 190,462 194,283 199,140 202,997 208,032 211,770 217,350 222,255 224,485 227,398 228,412

14.32 14.32 12.94 27.26 16.32 43.57 9.65 53.22 10.74 63.96 5.99 69.95 4.64 74.59 4.19 78.79 2.81 81.60 1.79 83.39 1.67 85.06 2.13 87.18 1.69 88.87 2.20 91.08 1.64 92.71 2.44 95.16 2.15 97.30 0.98 98.28 1.28 99.56 0.44 100.00

21,077.61 3,771.13 9,297.47 8,778.41 14,903.07 12,562.01 12,757.94 15,110.96 12,080.02 9,035.71 8,820.19 13,360.10 11,326.44 20,961.01 19,250.11 45,126.73 53,095.00 29,175.09 42,609.37 22,338.47 385,436.84

21,077.61 24,848.74 34,146.21 42,924.63 57,827.70 70,389.70 83,147.64 98,258.60 110,338.63 119,374.33 128,194.53 141,554.63 152,881.07 173,842.08 193,092.19 238,218.92 291,313.91 320,489.00 363,098.37 385,436.84

5.47 5.47 0.98 6.45 2.41 8.86 2.28 11.14 3.87 15.00 3.26 18.26 3.31 21.57 3.92 25.49 3.13 28.63 2.34 30.97 2.29 33.26 3.47 36.73 2.94 39.66 5.44 45.10 4.99 50.10 11.71 61.80 13.78 75.58 7.57 83.15 11.05 94.20 5.80 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 169 18 62 78 52 39 42 52 57 31 21 52 37 64 88 162 172 141 229 191 1,757

169 187 249 327 379 418 460 512 569 600 621 673 710 774 862 1,024 1,196 1,337 1,566 1,757

9.62 9.62 1.02 10.64 3.53 14.17 4.44 18.61 2.96 21.57 2.22 23.79 2.39 26.18 2.96 29.14 3.24 32.38 1.76 34.15 1.20 35.34 2.96 38.30 2.11 40.41 3.64 44.05 5.01 49.06 9.22 58.28 9.79 68.07 8.03 76.10 13.03 89.13 10.87 100.00

14,387.50 273.07 747.08 2,034.15 1,987.85 2,076.84 939.47 2,692.59 2,563.78 214.40 240.06 4,945.60 6,432.74 4,970.98 17,914.11 45,110.83 18,731.45 9,029.23 21,221.42 68,771.02 225,284.18

14,387.50 14,660.57 15,407.66 17,441.81 19,429.65 21,506.50 22,445.97 25,138.55 27,702.34 27,916.73 28,156.79 33,102.38 39,535.12 44,506.11 62,420.22 107,531.06 126,262.51 135,291.74 156,513.16 225,284.18

6.39 6.39 68.26 0.12 6.51 7.24 0.33 6.84 8.04 0.90 7.74 23.17 0.88 8.62 13.34 0.92 9.55 16.53 0.42 9.96 7.36 1.20 11.16 17.82 1.14 12.30 21.22 0.10 12.39 2.37 0.11 12.50 2.72 2.20 14.69 37.02 2.86 17.55 56.79 2.21 19.76 23.72 7.95 27.71 93.06 20.02 47.73 99.96 8.31 56.05 35.28 4.01 60.05 30.95 9.42 69.47 49.80 30.53 100.00 307.86

68.26 59.00 45.12 40.63 33.60 30.55 27.00 25.58 25.11 23.39 21.96 23.38 25.86 25.60 32.33 45.14 43.34 42.21 43.10 58.45

58.45

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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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 26,879 21,498 22,426 10,567 10,554 5,985 4,140 4,100 2,390 1,609 1,372 1,666 1,366 1,908 1,260 2,101 1,483 687 695 387 123,073

26,879 48,377 70,803 81,370 91,924 97,909 102,049 106,149 108,539 110,148 111,520 113,186 114,552 116,460 117,720 119,821 121,304 121,991 122,686 123,073

21.84 21.84 17.47 39.31 18.22 57.53 8.59 66.12 8.58 74.69 4.86 79.55 3.36 82.92 3.33 86.25 1.94 88.19 1.31 89.50 1.11 90.61 1.35 91.97 1.11 93.08 1.55 94.63 1.02 95.65 1.71 97.36 1.20 98.56 0.56 99.12 0.56 99.69 0.31 100.00

7,562.12 2,516.27 4,718.84 4,260.16 6,730.31 5,991.56 5,471.75 7,473.66 5,104.29 4,639.82 3,683.41 5,908.62 5,717.38 11,741.53 7,664.80 20,453.41 18,937.62 9,333.91 16,047.34 8,189.53 162,146.32

7,562.12 10,078.39 14,797.23 19,057.39 25,787.70 31,779.27 37,251.02 44,724.68 49,828.97 54,468.79 58,152.19 64,060.81 69,778.19 81,519.71 89,184.51 109,637.91 128,575.54 137,909.45 153,956.79 162,146.32

4.66 4.66 1.55 6.22 2.91 9.13 2.63 11.75 4.15 15.90 3.70 19.60 3.37 22.97 4.61 27.58 3.15 30.73 2.86 33.59 2.27 35.86 3.64 39.51 3.53 43.03 7.24 50.28 4.73 55.00 12.61 67.62 11.68 79.30 5.76 85.05 9.90 94.95 5.05 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 97 14 18 22 35 11 22 54 24 11 11 19 19 26 15 66 83 37 79 72 735

97 111 129 151 186 197 219 273 297 308 319 338 357 383 398 464 547 584 663 735

13.20 13.20 1.90 15.10 2.45 17.55 2.99 20.54 4.76 25.31 1.50 26.80 2.99 29.80 7.35 37.14 3.27 40.41 1.50 41.90 1.50 43.40 2.59 45.99 2.59 48.57 3.54 52.11 2.04 54.15 8.98 63.13 11.29 74.42 5.03 79.46 10.75 90.20 9.80 100.00

3,606.96 110.78 145.81 687.64 1,175.85 176.21 594.64 613.74 2,454.10 66.89 113.95 305.47 2,218.37 2,323.16 248.55 22,816.49 32,825.67 2,630.51 2,816.90 3,646.22 79,577.93

3,606.96 3,717.75 3,863.56 4,551.20 5,727.06 5,903.26 6,497.90 7,111.65 9,565.75 9,632.64 9,746.60 10,052.06 12,270.43 14,593.59 14,842.13 37,658.63 70,484.30 73,114.81 75,931.71 79,577.93

4.53 4.53 47.70 0.14 4.67 4.40 0.18 4.86 3.09 0.86 5.72 16.14 1.48 7.20 17.47 0.22 7.42 2.94 0.75 8.17 10.87 0.77 8.94 8.21 3.08 12.02 48.08 0.08 12.10 1.44 0.14 12.25 3.09 0.38 12.63 5.17 2.79 15.42 38.80 2.92 18.34 19.79 0.31 18.65 3.24 28.67 47.32 111.55 41.25 88.57 173.34 3.31 91.88 28.18 3.54 95.42 17.55 4.58 100.00 44.52

47.70 36.89 26.11 23.88 22.21 18.58 17.44 15.90 19.20 17.68 16.76 15.69 17.58 17.90 16.64 34.35 54.82 53.02 49.32 49.08

49.08

Page 132 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,513 1,848 2,379 1,417 1,615 1,071 775 685 435 275 214 284 223 330 194 300 176 62 62 21 14,879

2,513 4,361 6,740 8,157 9,772 10,843 11,618 12,303 12,738 13,013 13,227 13,511 13,734 14,064 14,258 14,558 14,734 14,796 14,858 14,879

16.89 16.89 12.42 29.31 15.99 45.30 9.52 54.82 10.85 65.68 7.20 72.87 5.21 78.08 4.60 82.69 2.92 85.61 1.85 87.46 1.44 88.90 1.91 90.81 1.50 92.30 2.22 94.52 1.30 95.83 2.02 97.84 1.18 99.03 0.42 99.44 0.42 99.86 0.14 100.00

1,059.05 192.98 507.48 560.60 879.46 1,076.08 942.95 1,095.39 1,066.27 800.52 605.29 877.50 878.23 1,599.18 1,131.70 2,534.91 1,873.73 889.83 1,037.99 205.80 19,814.93

1,059.05 1,252.03 1,759.51 2,320.12 3,199.58 4,275.65 5,218.60 6,313.99 7,380.26 8,180.78 8,786.07 9,663.57 10,541.80 12,140.97 13,272.67 15,807.57 17,681.31 18,571.14 19,609.13 19,814.93

5.34 5.34 0.97 6.32 2.56 8.88 2.83 11.71 4.44 16.15 5.43 21.58 4.76 26.34 5.53 31.86 5.38 37.25 4.04 41.29 3.05 44.34 4.43 48.77 4.43 53.20 8.07 61.27 5.71 66.98 12.79 79.78 9.46 89.23 4.49 93.72 5.24 98.96 1.04 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 10 0 4 4 2 6 7 6 4 13 0 6 2 5 0 0 11 0 2 0 82

10 10 14 18 20 26 33 39 43 56 56 62 64 69 69 69 80 80 82 82

12.20 12.20 0.00 12.20 4.88 17.07 4.88 21.95 2.44 24.39 7.32 31.71 8.54 40.24 7.32 47.56 4.88 52.44 15.85 68.29 0.00 68.29 7.32 75.61 2.44 78.05 6.10 84.15 0.00 84.15 0.00 84.15 13.41 97.56 0.00 97.56 2.44 100.00 0.00 100.00

1,855.77 0.00 150.49 9.47 171.15 394.58 321.56 556.98 47.95 245.74 0.00 97.36 48.10 146.83 0.00 0.00 504.86 0.00 0.00 0.00 4,550.82

1,855.77 1,855.77 2,006.26 2,015.73 2,186.87 2,581.45 2,903.00 3,459.98 3,507.93 3,753.67 3,753.67 3,851.03 3,899.13 4,045.96 4,045.96 4,045.96 4,550.82 4,550.82 4,550.82 4,550.82

40.78 0.00 3.31 0.21 3.76 8.67 7.07 12.24 1.05 5.40 0.00 2.14 1.06 3.23 0.00 0.00 11.09 0.00 0.00 0.00

40.78 175.23 175.23 40.78 0.00 148.22 44.09 29.65 114.02 44.29 1.69 86.88 48.05 19.46 68.35 56.72 36.67 60.38 63.79 34.10 55.63 76.03 50.85 54.80 77.08 4.50 47.53 82.48 30.70 45.88 82.48 0.00 42.72 84.62 11.10 39.85 85.68 5.48 36.99 88.91 9.18 33.32 88.91 0.00 30.48 88.91 0.00 25.60 100.00 26.94 25.74 100.00 0.00 24.50 100.00 0.00 23.21 100.00 0.00 22.97 22.97

Page 133 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 22,636 19,975 26,741 15,455 18,703 10,860 8,229 7,718 4,871 2,996 2,377 3,123 2,366 3,107 2,151 3,729 2,949 1,476 1,478 552 161,492

22,636 42,611 69,352 84,807 103,510 114,370 122,599 130,317 135,188 138,184 140,561 143,684 146,050 149,157 151,308 155,037 157,986 159,462 160,940 161,492

14.02 14.02 12.37 26.39 16.56 42.94 9.57 52.51 11.58 64.10 6.72 70.82 5.10 75.92 4.78 80.70 3.02 83.71 1.86 85.57 1.47 87.04 1.93 88.97 1.47 90.44 1.92 92.36 1.33 93.69 2.31 96.00 1.83 97.83 0.91 98.74 0.92 99.66 0.34 100.00

15,937.66 3,538.25 6,012.05 5,659.36 11,268.36 9,803.22 10,248.83 13,067.11 10,674.42 8,113.32 7,596.02 11,102.84 10,057.62 16,260.39 16,598.08 37,171.59 38,168.23 21,480.31 26,100.08 16,203.88 295,061.62

15,937.66 19,475.91 25,487.95 31,147.31 42,415.67 52,218.90 62,467.73 75,534.83 86,209.26 94,322.57 101,918.59 113,021.43 123,079.04 139,339.43 155,937.51 193,109.11 231,277.34 252,757.65 278,857.74 295,061.62

5.40 5.40 1.20 6.60 2.04 8.64 1.92 10.56 3.82 14.38 3.32 17.70 3.47 21.17 4.43 25.60 3.62 29.22 2.75 31.97 2.57 34.54 3.76 38.30 3.41 41.71 5.51 47.22 5.63 52.85 12.60 65.45 12.94 78.38 7.28 85.66 8.85 94.51 5.49 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 165 14 8 17 49 29 48 40 37 21 12 30 45 65 42 96 73 104 153 36 1,084

165 179 187 204 253 282 330 370 407 428 440 470 515 580 622 718 791 895 1,048 1,084

15.22 15.22 1.29 16.51 0.74 17.25 1.57 18.82 4.52 23.34 2.68 26.01 4.43 30.44 3.69 34.13 3.41 37.55 1.94 39.48 1.11 40.59 2.77 43.36 4.15 47.51 6.00 53.51 3.87 57.38 8.86 66.24 6.73 72.97 9.59 82.56 14.11 96.68 3.32 100.00

13,284.53 4.45 102.61 663.74 3,607.09 1,610.14 9,335.84 9,216.09 544.35 2,939.52 45.95 965.36 6,905.81 12,622.06 5,555.34 24,346.07 3,912.64 6,545.40 15,732.57 7,963.51 125,903.08

13,284.53 13,288.97 13,391.59 14,055.33 17,662.42 19,272.57 28,608.41 37,824.50 38,368.84 41,308.37 41,354.32 42,319.68 49,225.48 61,847.54 67,402.88 91,748.95 95,661.59 102,207.00 117,939.57 125,903.08

10.55 10.55 0.00 10.55 0.08 10.64 0.53 11.16 2.86 14.03 1.28 15.31 7.42 22.72 7.32 30.04 0.43 30.47 2.33 32.81 0.04 32.85 0.77 33.61 5.49 39.10 10.03 49.12 4.41 53.54 19.34 72.87 3.11 75.98 5.20 81.18 12.50 93.67 6.33 100.00

83.35 0.13 1.71 11.73 32.01 16.42 91.09 70.53 5.10 36.23 0.60 8.69 68.66 77.62 33.47 65.50 10.25 30.47 60.28 49.15

83.35 68.23 52.54 45.13 41.64 36.91 45.80 50.08 44.51 43.79 40.58 37.44 40.00 44.39 43.22 47.51 41.36 40.44 42.29 42.67

42.67

Page 134 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

: : :

TOTAL FR, IAR, LOP, EQ 2011 14 - KALIMANTAN BARAT

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

SUM INSURED NUMBER OF POLICIESORIGINAL PREMIUM (in million Rupiah) CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah)LOSS RATIO (in million) Mid Points PERCENTAGE PERCENTAGE PERCENTAGE PERCENTAGEPERCENTAGE f F rp RP f F rp RP From To BAND CUM. BAND CUM. BAND CUM. BAND CUM. BAND CUM. 0 50 > 50 100 > 100 200 > 200 300 > 300 500 > 500 750 > 750 1,000 > 1,000 1,500 > 1,500 2,000 > 2,000 2,500 > 2,500 3,000 > 3,000 4,000 > 4,000 5,000 > 5,000 7,500 > 7,500 10,000 > 10,000 20,000 > 20,000 50,000 > 50,000 100,000 > 100,000 500,000 > 500,000 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

6,671 5,401 7,720 3,475 3,349 1,643 2,390 2,057 1,583 714 711 640 447 460 297 346 253 78 135 32 38,402

6,671 12,072 19,792 23,267 26,616 28,259 30,649 32,706 34,289 35,003 35,714 36,354 36,801 37,261 37,558 37,904 38,157 38,235 38,370 38,402

17.37 17.37 14.06 31.44 20.10 51.54 9.05 60.59 8.72 69.31 4.28 73.59 6.22 79.81 5.36 85.17 4.12 89.29 1.86 91.15 1.85 93.00 1.67 94.67 1.16 95.83 1.20 97.03 0.77 97.80 0.90 98.70 0.66 99.36 0.20 99.57 0.35 99.92 0.08 100.00

6,946.76 2,013.10 5,459.38 4,242.25 5,407.12 3,090.85 3,719.53 3,214.47 3,110.92 1,670.73 1,938.55 2,284.95 2,018.90 2,310.06 1,937.44 3,673.71 3,106.06 1,255.87 4,251.04 628.22 62,279.91

6,946.76 8,959.85 14,419.23 18,661.48 24,068.60 27,159.45 30,878.97 34,093.44 37,204.37 38,875.10 40,813.65 43,098.60 45,117.49 47,427.56 49,365.00 53,038.71 56,144.77 57,400.64 61,651.69 62,279.91

11.15 11.15 3.23 14.39 8.77 23.15 6.81 29.96 8.68 38.65 4.96 43.61 5.97 49.58 5.16 54.74 5.00 59.74 2.68 62.42 3.11 65.53 3.67 69.20 3.24 72.44 3.71 76.15 3.11 79.26 5.90 85.16 4.99 90.15 2.02 92.17 6.83 98.99 1.01 100.00

36 13 41 12 11 4 17 6 17 9 2 9 9 6 0 7 8 0 0 6 213

36 49 90 102 113 117 134 140 157 166 168 177 186 192 192 199 207 207 207 213

16.90 16.90 6.10 23.00 19.25 42.25 5.63 47.89 5.16 53.05 1.88 54.93 7.98 62.91 2.82 65.73 7.98 73.71 4.23 77.93 0.94 78.87 4.23 83.10 4.23 87.32 2.82 90.14 0.00 90.14 3.29 93.43 3.76 97.18 0.00 97.18 0.00 97.18 2.82 100.00

7,494.40 426.16 1,677.44 821.91 711.67 677.72 576.80 233.30 1,491.76 116.54 1.63 795.99 574.43 446.79 0.00 948.96 124.15 0.00 0.00 29.63 17,149.27

7,494.40 7,920.56 9,598.00 10,419.91 11,131.58 11,809.31 12,386.10 12,619.40 14,111.16 14,227.70 14,229.33 15,025.32 15,599.74 16,046.54 16,046.54 16,995.49 17,119.65 17,119.65 17,119.65 17,149.27

43.70 43.70 107.88 107.88 2.49 46.19 21.17 88.40 9.78 55.97 30.73 66.56 4.79 60.76 19.37 55.84 4.15 64.91 13.16 46.25 3.95 68.86 21.93 43.48 3.36 72.23 15.51 40.11 1.36 73.59 7.26 37.01 8.70 82.28 47.95 37.93 0.68 82.96 6.98 36.60 0.01 82.97 0.08 34.86 4.64 87.61 34.84 34.86 3.35 90.96 28.45 34.58 2.61 93.57 19.34 33.83 0.00 93.57 0.00 32.51 5.53 99.10 25.83 32.04 0.72 99.83 4.00 30.49 0.00 99.83 0.00 29.82 0.00 99.83 0.00 27.77 0.17 100.00 4.72 27.54 27.54

Page 135 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,239 1,903 2,327 1,139 1,238 570 445 331 211 126 98 146 106 127 118 130 121 74 114 14 11,577

2,239 4,142 6,469 7,608 8,846 9,416 9,861 10,192 10,403 10,529 10,627 10,773 10,879 11,006 11,124 11,254 11,375 11,449 11,563 11,577

19.34 19.34 16.44 35.78 20.10 55.88 9.84 65.72 10.69 76.41 4.92 81.33 3.84 85.18 2.86 88.04 1.82 89.86 1.09 90.95 0.85 91.79 1.26 93.06 0.92 93.97 1.10 95.07 1.02 96.09 1.12 97.21 1.05 98.26 0.64 98.89 0.98 99.88 0.12 100.00

482.36 375.68 930.74 771.21 1,194.67 913.89 782.36 772.09 642.25 473.30 309.68 521.77 489.54 524.55 719.34 1,227.53 1,532.06 802.76 1,682.90 136.85 15,285.52

482.36 858.04 1,788.79 2,559.99 3,754.66 4,668.55 5,450.91 6,222.99 6,865.25 7,338.54 7,648.22 8,170.00 8,659.53 9,184.08 9,903.42 11,130.94 12,663.01 13,465.77 15,148.67 15,285.52

3.16 3.16 2.46 5.61 6.09 11.70 5.05 16.75 7.82 24.56 5.98 30.54 5.12 35.66 5.05 40.71 4.20 44.91 3.10 48.01 2.03 50.04 3.41 53.45 3.20 56.65 3.43 60.08 4.71 64.79 8.03 72.82 10.02 82.84 5.25 88.09 11.01 99.10 0.90 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 20 4 6 9 3 5 0 0 6 0 0 0 3 2 5 4 31 6 22 2 128

20 24 30 39 42 47 47 47 53 53 53 53 56 58 63 67 98 104 126 128

15.63 15.63 3.13 18.75 4.69 23.44 7.03 30.47 2.34 32.81 3.91 36.72 0.00 36.72 0.00 36.72 4.69 41.41 0.00 41.41 0.00 41.41 0.00 41.41 2.34 43.75 1.56 45.31 3.91 49.22 3.13 52.34 24.22 76.56 4.69 81.25 17.19 98.44 1.56 100.00

10,552.63 135.28 221.01 362.52 200.44 161.45 0.00 0.00 98.49 0.00 0.00 0.00 93.69 29.78 18.71 123.61 859.75 183.29 2,244.18 993.99 16,278.82

10,552.63 10,687.91 10,908.92 11,271.44 11,471.88 11,633.34 11,633.34 11,633.34 11,731.83 11,731.83 11,731.83 11,731.83 11,825.52 11,855.30 11,874.01 11,997.62 12,857.37 13,040.65 15,284.83 16,278.82

64.82 64.82 0.83 65.66 1.36 67.01 2.23 69.24 1.23 70.47 0.99 71.46 0.00 71.46 0.00 71.46 0.61 72.07 0.00 72.07 0.00 72.07 0.00 72.07 0.58 72.64 0.18 72.83 0.11 72.94 0.76 73.70 5.28 78.98 1.13 80.11 13.79 93.89 6.11 100.00

LOSS RATIO PERCENTAGE BAND CUM. 2,187,70 36.01 23.75 47.01 16.78 17.67 0.00 0.00 15.34 0.00 0.00 0.00 19.14 5.68 2.60 10.07 56.12 22.83 133.35 726.36

2,187,70 1,245,62 609.85 440.29 305.54 249.19 213.42 186.94 170.89 159.87 153.39 143.60 136.56 129.09 119.90 107.79 101.53 96.84 100.90 106.50

106.50

Page 136 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,528 3,383 4,445 2,203 2,118 1,072 686 640 372 273 215 241 240 304 203 318 217 141 119 53 20,771

3,528 6,911 11,356 13,559 15,677 16,749 17,435 18,075 18,447 18,720 18,935 19,176 19,416 19,720 19,923 20,241 20,458 20,599 20,718 20,771

16.99 16.99 16.29 33.27 21.40 54.67 10.61 65.28 10.20 75.48 5.16 80.64 3.30 83.94 3.08 87.02 1.79 88.81 1.31 90.13 1.04 91.16 1.16 92.32 1.16 93.48 1.46 94.94 0.98 95.92 1.53 97.45 1.04 98.49 0.68 99.17 0.57 99.74 0.26 100.00

1,933.56 462.13 1,255.29 937.49 1,632.71 1,284.48 1,092.38 1,303.53 956.67 755.63 622.46 1,266.46 860.72 1,406.78 2,313.08 2,343.03 2,380.34 1,889.55 2,201.20 3,707.68 30,605.16

1,933.56 2,395.69 3,650.98 4,588.48 6,221.18 7,505.66 8,598.04 9,901.56 10,858.23 11,613.86 12,236.32 13,502.78 14,363.50 15,770.28 18,083.36 20,426.38 22,806.72 24,696.27 26,897.47 30,605.16

6.32 6.32 1.51 7.83 4.10 11.93 3.06 14.99 5.33 20.33 4.20 24.52 3.57 28.09 4.26 32.35 3.13 35.48 2.47 37.95 2.03 39.98 4.14 44.12 2.81 46.93 4.60 51.53 7.56 59.09 7.66 66.74 7.78 74.52 6.17 80.69 7.19 87.89 12.11 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 11 0 6 8 12 6 0 0 10 2 1 2 4 4 0 9 4 6 0 6 91

11 11 17 25 37 43 43 43 53 55 56 58 62 66 66 75 79 85 85 91

12.09 12.09 0.00 12.09 6.59 18.68 8.79 27.47 13.19 40.66 6.59 47.25 0.00 47.25 0.00 47.25 10.99 58.24 2.20 60.44 1.10 61.54 2.20 63.74 4.40 68.13 4.40 72.53 0.00 72.53 9.89 82.42 4.40 86.81 6.59 93.41 0.00 93.41 6.59 100.00

524.99 0.00 226.62 61.33 547.73 728.47 0.00 0.00 487.42 117.50 0.00 0.80 68.47 627.21 0.00 1,683.85 0.43 4.82 0.00 6.45 5,086.09

524.99 524.99 751.62 812.95 1,360.68 2,089.15 2,089.15 2,089.15 2,576.57 2,694.07 2,694.07 2,694.87 2,763.34 3,390.55 3,390.55 5,074.39 5,074.82 5,079.64 5,079.64 5,086.09

10.32 10.32 0.00 10.32 4.46 14.78 1.21 15.98 10.77 26.75 14.32 41.08 0.00 41.08 0.00 41.08 9.58 50.66 2.31 52.97 0.00 52.97 0.02 52.99 1.35 54.33 12.33 66.66 0.00 66.66 33.11 99.77 0.01 99.78 0.09 99.87 0.00 99.87 0.13 100.00

27.15 0.00 18.05 6.54 33.55 56.71 0.00 0.00 50.95 15.55 0.00 0.06 7.95 44.58 0.00 71.87 0.02 0.26 0.00 0.17

27.15 21.91 20.59 17.72 21.87 27.83 24.30 21.10 23.73 23.20 22.02 19.96 19.24 21.50 18.75 24.84 22.25 20.57 18.89 16.62

16.62

Page 137 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 3,600 3,341 5,215 3,703 4,355 2,433 1,807 1,640 961 602 468 579 537 644 426 686 562 217 270 107 32,153

3,600 6,941 12,156 15,859 20,214 22,647 24,454 26,094 27,055 27,657 28,125 28,704 29,241 29,885 30,311 30,997 31,559 31,776 32,046 32,153

11.20 11.20 10.39 21.59 16.22 37.81 11.52 49.32 13.54 62.87 7.57 70.44 5.62 76.06 5.10 81.16 2.99 84.14 1.87 86.02 1.46 87.47 1.80 89.27 1.67 90.94 2.00 92.95 1.32 94.27 2.13 96.40 1.75 98.15 0.67 98.83 0.84 99.67 0.33 100.00

2,665.79 740.22 1,918.78 2,050.91 4,313.52 3,270.35 3,522.61 3,734.86 2,895.86 1,887.57 1,539.50 1,862.52 2,251.42 3,075.10 2,643.26 5,558.39 5,756.83 2,361.91 7,575.76 3,548.86 63,174.03

2,665.79 3,406.01 5,324.80 7,375.71 11,689.23 14,959.59 18,482.20 22,217.06 25,112.92 27,000.49 28,539.99 30,402.51 32,653.92 35,729.02 38,372.29 43,930.68 49,687.51 52,049.41 59,625.18 63,174.03

4.22 4.22 1.17 5.39 3.04 8.43 3.25 11.68 6.83 18.50 5.18 23.68 5.58 29.26 5.91 35.17 4.58 39.75 2.99 42.74 2.44 45.18 2.95 48.13 3.56 51.69 4.87 56.56 4.18 60.74 8.80 69.54 9.11 78.65 3.74 82.39 11.99 94.38 5.62 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 14 9 25 10 12 9 7 11 4 0 9 5 14 5 2 15 6 0 30 15 202

14 23 48 58 70 79 86 97 101 101 110 115 129 134 136 151 157 157 187 202

6.93 6.93 4.46 11.39 12.38 23.76 4.95 28.71 5.94 34.65 4.46 39.11 3.47 42.57 5.45 48.02 1.98 50.00 0.00 50.00 4.46 54.46 2.48 56.93 6.93 63.86 2.48 66.34 0.99 67.33 7.43 74.75 2.97 77.72 0.00 77.72 14.85 92.57 7.43 100.00

1,504.73 196.64 26,609.06 445.33 636.43 877.31 142.87 881.38 227.75 0.00 2,006.87 283.98 741.63 1,095.48 24.15 1,901.24 258.70 0.00 3,001.63 310.63 41,145.79

1,504.73 1,701.37 28,310.43 28,755.76 29,392.19 30,269.50 30,412.36 31,293.74 31,521.49 31,521.49 33,528.35 33,812.34 34,553.97 35,649.44 35,673.60 37,574.83 37,833.53 37,833.53 40,835.16 41,145.79

3.66 3.66 0.48 4.13 64.67 68.81 1.08 69.89 1.55 71.43 2.13 73.57 0.35 73.91 2.14 76.06 0.55 76.61 0.00 76.61 4.88 81.49 0.69 82.18 1.80 83.98 2.66 86.64 0.06 86.70 4.62 91.32 0.63 91.95 0.00 91.95 7.30 99.25 0.75 100.00

LOSS RATIO PERCENTAGE BAND CUM. 56.45 26.57 1,386,77 21.71 14.75 26.83 4.06 23.60 7.86 0.00 130.36 15.25 32.94 35.62 0.91 34.20 4.49 0.00 39.62 8.75

56.45 49.95 531.67 389.87 251.45 202.34 164.55 140.85 125.52 116.74 117.48 111.22 105.82 99.78 92.97 85.53 76.14 72.69 68.49 65.13

65.13

Page 138 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,916 2,137 3,290 2,340 2,403 1,269 956 835 508 257 233 268 158 213 135 203 150 40 65 15 17,391

1,916 4,053 7,343 9,683 12,086 13,355 14,311 15,146 15,654 15,911 16,144 16,412 16,570 16,783 16,918 17,121 17,271 17,311 17,376 17,391

11.02 11.02 12.29 23.31 18.92 42.22 13.46 55.68 13.82 69.50 7.30 76.79 5.50 82.29 4.80 87.09 2.92 90.01 1.48 91.49 1.34 92.83 1.54 94.37 0.91 95.28 1.22 96.50 0.78 97.28 1.17 98.45 0.86 99.31 0.23 99.54 0.37 99.91 0.09 100.00

1,114.99 345.16 962.15 1,063.46 1,823.88 1,627.57 1,743.18 2,184.39 1,702.05 1,080.96 1,071.00 1,392.62 845.69 1,373.95 1,435.09 2,383.83 1,804.92 585.32 688.13 349.81 25,578.15

1,114.99 1,460.15 2,422.31 3,485.77 5,309.65 6,937.22 8,680.40 10,864.78 12,566.83 13,647.80 14,718.79 16,111.41 16,957.11 18,331.06 19,766.15 22,149.97 23,954.89 24,540.21 25,228.34 25,578.15

4.36 4.36 1.35 5.71 3.76 9.47 4.16 13.63 7.13 20.76 6.36 27.12 6.82 33.94 8.54 42.48 6.65 49.13 4.23 53.36 4.19 57.54 5.44 62.99 3.31 66.30 5.37 71.67 5.61 77.28 9.32 86.60 7.06 93.65 2.29 95.94 2.69 98.63 1.37 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 6 2 4 10 9 11 3 4 6 0 0 0 0 0 0 6 0 2 3 1 67

6 8 12 22 31 42 45 49 55 55 55 55 55 55 55 61 61 63 66 67

8.96 8.96 2.99 11.94 5.97 17.91 14.93 32.84 13.43 46.27 16.42 62.69 4.48 67.16 5.97 73.13 8.96 82.09 0.00 82.09 0.00 82.09 0.00 82.09 0.00 82.09 0.00 82.09 0.00 82.09 8.96 91.04 0.00 91.04 2.99 94.03 4.48 98.51 1.49 100.00

2,661.11 66.25 357.34 511.67 558.81 588.57 53.10 885.82 769.95 0.00 0.00 0.00 0.00 0.00 0.00 265.05 0.00 5.40 66.22 0.00 6,789.29

2,661.11 2,727.36 3,084.70 3,596.37 4,155.18 4,743.75 4,796.86 5,682.67 6,452.62 6,452.62 6,452.62 6,452.62 6,452.62 6,452.62 6,452.62 6,717.67 6,717.67 6,723.07 6,789.29 6,789.29

39.20 39.20 238.67 238.67 0.98 40.17 19.19 186.79 5.26 45.43 37.14 127.35 7.54 52.97 48.11 103.17 8.23 61.20 30.64 78.26 8.67 69.87 36.16 68.38 0.78 70.65 3.05 55.26 13.05 83.70 40.55 52.30 11.34 95.04 45.24 51.35 0.00 95.04 0.00 47.28 0.00 95.04 0.00 43.84 0.00 95.04 0.00 40.05 0.00 95.04 0.00 38.05 0.00 95.04 0.00 35.20 0.00 95.04 0.00 32.64 3.90 98.95 11.12 30.33 0.00 98.95 0.00 28.04 0.08 99.02 0.92 27.40 0.98 100.00 9.62 26.91 0.00 100.00 0.00 26.54 26.54

Page 139 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,640 1,115 1,311 887 975 507 287 246 174 74 82 103 43 67 47 55 50 14 20 0 7,697

1,640 2,755 4,066 4,953 5,928 6,435 6,722 6,968 7,142 7,216 7,298 7,401 7,444 7,511 7,558 7,613 7,663 7,677 7,697 7,697

21.31 21.31 14.49 35.79 17.03 52.83 11.52 64.35 12.67 77.02 6.59 83.60 3.73 87.33 3.20 90.53 2.26 92.79 0.96 93.75 1.07 94.82 1.34 96.15 0.56 96.71 0.87 97.58 0.61 98.19 0.71 98.91 0.65 99.56 0.18 99.74 0.26 100.00 0.00 100.00

640.90 240.11 509.40 596.91 1,052.04 997.43 861.96 766.50 655.13 448.77 454.57 436.47 280.05 424.94 359.80 465.83 460.88 133.90 186.11 0.00 9,971.71

640.90 881.00 1,390.41 1,987.32 3,039.37 4,036.80 4,898.75 5,665.25 6,320.38 6,769.15 7,223.73 7,660.19 7,940.25 8,365.19 8,724.99 9,190.82 9,651.70 9,785.60 9,971.71 9,971.71

6.43 6.43 2.41 8.84 5.11 13.94 5.99 19.93 10.55 30.48 10.00 40.48 8.64 49.13 7.69 56.81 6.57 63.38 4.50 67.88 4.56 72.44 4.38 76.82 2.81 79.63 4.26 83.89 3.61 87.50 4.67 92.17 4.62 96.79 1.34 98.13 1.87 100.00 0.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 7 2 2 0 0 2 0 2 0 0 2 0 0 0 5 0 0 2 0 0 24

7 9 11 11 11 13 13 15 15 15 17 17 17 17 22 22 22 24 24 24

29.17 29.17 8.33 37.50 8.33 45.83 0.00 45.83 0.00 45.83 8.33 54.17 0.00 54.17 8.33 62.50 0.00 62.50 0.00 62.50 8.33 70.83 0.00 70.83 0.00 70.83 0.00 70.83 20.83 91.67 0.00 91.67 0.00 91.67 8.33 100.00 0.00 100.00 0.00 100.00

54.73 4.24 0.15 0.00 0.00 9.98 0.00 12.07 0.00 0.00 18.56 0.00 0.00 0.00 4,226.34 0.00 0.00 42.40 0.00 0.00 4,368.46

54.73 58.96 59.11 59.11 59.11 69.09 69.09 81.16 81.16 81.16 99.72 99.72 99.72 99.72 4,326.06 4,326.06 4,326.06 4,368.46 4,368.46 4,368.46

1.25 1.25 0.10 1.35 0.00 1.35 0.00 1.35 0.00 1.35 0.23 1.58 0.00 1.58 0.28 1.86 0.00 1.86 0.00 1.86 0.42 2.28 0.00 2.28 0.00 2.28 0.00 2.28 96.75 99.03 0.00 99.03 0.00 99.03 0.97 100.00 0.00 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 8.54 1.76 0.03 0.00 0.00 1.00 0.00 1.58 0.00 0.00 4.08 0.00 0.00 0.00 1,174,65 0.00 0.00 31.67 0.00 0.00

8.54 6.69 4.25 2.97 1.94 1.71 1.41 1.43 1.28 1.20 1.38 1.30 1.26 1.19 49.58 47.07 44.82 44.64 43.81 43.81

43.81

Page 140 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 6,486 6,587 9,503 5,293 5,507 2,864 1,638 1,549 815 477 407 449 347 478 263 458 321 130 126 48 43,746

6,486 13,073 22,576 27,869 33,376 36,240 37,878 39,427 40,242 40,719 41,126 41,575 41,922 42,400 42,663 43,121 43,442 43,572 43,698 43,746

14.83 14.83 15.06 29.88 21.72 51.61 12.10 63.71 12.59 76.29 6.55 82.84 3.74 86.59 3.54 90.13 1.86 91.99 1.09 93.08 0.93 94.01 1.03 95.04 0.79 95.83 1.09 96.92 0.60 97.52 1.05 98.57 0.73 99.31 0.30 99.60 0.29 99.89 0.11 100.00

2,539.48 860.57 2,107.45 2,284.21 4,345.60 3,507.48 2,993.08 3,479.64 2,465.08 1,693.82 1,542.07 1,964.27 1,706.83 2,832.90 1,639.08 4,594.12 3,207.41 1,776.90 2,032.21 6,910.40 54,482.59

2,539.48 3,400.04 5,507.50 7,791.71 12,137.30 15,644.78 18,637.86 22,117.50 24,582.58 26,276.40 27,818.47 29,782.74 31,489.57 34,322.48 35,961.55 40,555.68 43,763.09 45,539.98 47,572.19 54,482.59

4.66 4.66 1.58 6.24 3.87 10.11 4.19 14.30 7.98 22.28 6.44 28.72 5.49 34.21 6.39 40.60 4.52 45.12 3.11 48.23 2.83 51.06 3.61 54.66 3.13 57.80 5.20 63.00 3.01 66.01 8.43 74.44 5.89 80.32 3.26 83.59 3.73 87.32 12.68 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 20 10 11 2 9 3 3 7 6 0 0 0 5 10 7 10 2 2 31 12 150

20 30 41 43 52 55 58 65 71 71 71 71 76 86 93 103 105 107 138 150

13.33 13.33 6.67 20.00 7.33 27.33 1.33 28.67 6.00 34.67 2.00 36.67 2.00 38.67 4.67 43.33 4.00 47.33 0.00 47.33 0.00 47.33 0.00 47.33 3.33 50.67 6.67 57.33 4.67 62.00 6.67 68.67 1.33 70.00 1.33 71.33 20.67 92.00 8.00 100.00

4,392.98 187.52 454.96 10.12 168.34 101.52 114.11 258.19 122.51 0.00 0.00 0.00 441.45 1,077.58 5,200.91 900.29 8.69 255.69 1,528.99 1,457.13 16,680.95

4,392.98 4,580.50 5,035.46 5,045.57 5,213.91 5,315.43 5,429.54 5,687.72 5,810.23 5,810.23 5,810.23 5,810.23 6,251.68 7,329.26 12,530.17 13,430.46 13,439.15 13,694.84 15,223.82 16,680.95

26.34 26.34 172.99 172.99 1.12 27.46 21.79 134.72 2.73 30.19 21.59 91.43 0.06 30.25 0.44 64.76 1.01 31.26 3.87 42.96 0.61 31.87 2.89 33.98 0.68 32.55 3.81 29.13 1.55 34.10 7.42 25.72 0.73 34.83 4.97 23.64 0.00 34.83 0.00 22.11 0.00 34.83 0.00 20.89 0.00 34.83 0.00 19.51 2.65 37.48 25.86 19.85 6.46 43.94 38.04 21.35 31.18 75.12 317.31 34.84 5.40 80.51 19.60 33.12 0.05 80.57 0.27 30.71 1.53 82.10 14.39 30.07 9.17 91.26 75.24 32.00 8.74 100.00 21.09 30.62 30.62

Page 141 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 793 777 1,116 728 902 554 318 235 131 42 43 55 36 59 13 42 31 5 10 3 5,893

793 1,570 2,686 3,414 4,316 4,870 5,188 5,423 5,554 5,596 5,639 5,694 5,730 5,789 5,802 5,844 5,875 5,880 5,890 5,893

13.46 13.46 13.19 26.64 18.94 45.58 12.35 57.93 15.31 73.24 9.40 82.64 5.40 88.04 3.99 92.02 2.22 94.25 0.71 94.96 0.73 95.69 0.93 96.62 0.61 97.23 1.00 98.24 0.22 98.46 0.71 99.17 0.53 99.69 0.08 99.78 0.17 99.95 0.05 100.00

262.07 179.86 308.49 343.68 868.87 860.70 725.44 650.88 467.74 177.06 245.06 421.69 262.42 381.53 136.79 350.13 482.05 66.08 72.57 69.00 7,332.08

262.07 441.92 750.41 1,094.08 1,962.96 2,823.65 3,549.09 4,199.97 4,667.71 4,844.76 5,089.82 5,511.51 5,773.93 6,155.46 6,292.25 6,642.39 7,124.44 7,190.52 7,263.08 7,332.08

3.57 3.57 2.45 6.03 4.21 10.23 4.69 14.92 11.85 26.77 11.74 38.51 9.89 48.40 8.88 57.28 6.38 63.66 2.41 66.08 3.34 69.42 5.75 75.17 3.58 78.75 5.20 83.95 1.87 85.82 4.78 90.59 6.57 97.17 0.90 98.07 0.99 99.06 0.94 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 2 0 0 2 2 0 0 0 0 0 0 0 0 0 0 0 0 0 6

0 0 2 2 2 4 6 6 6 6 6 6 6 6 6 6 6 6 6 6

0.00 0.00 33.33 0.00 0.00 33.33 33.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

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

0.00 0.00 101.37 0.00 0.00 0.00 1.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 102.37

0.00 0.00 101.37 101.37 101.37 101.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37 102.37

0.00 0.00 99.02 0.00 0.00 0.00 0.98 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 99.02 99.02 99.02 99.02 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 32.86 0.00 0.00 0.00 0.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 13.51 9.27 5.16 3.59 2.88 2.44 2.19 2.11 2.01 1.86 1.77 1.66 1.63 1.54 1.44 1.42 1.41 1.40

1.40

Page 142 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 6,073 4,030 5,210 3,120 4,074 2,552 2,381 2,208 1,454 995 710 897 584 716 457 613 564 191 205 130 37,164

6,073 10,103 15,313 18,433 22,507 25,059 27,440 29,648 31,102 32,097 32,807 33,704 34,288 35,004 35,461 36,074 36,638 36,829 37,034 37,164

16.34 16.34 10.84 27.18 14.02 41.20 8.40 49.60 10.96 60.56 6.87 67.43 6.41 73.83 5.94 79.78 3.91 83.69 2.68 86.37 1.91 88.28 2.41 90.69 1.57 92.26 1.93 94.19 1.23 95.42 1.65 97.07 1.52 98.58 0.51 99.10 0.55 99.65 0.35 100.00

4,064.95 530.25 1,424.76 1,252.54 3,138.37 2,756.21 3,701.74 4,553.66 4,196.09 3,516.30 2,967.26 4,203.91 3,495.89 5,013.72 3,486.62 6,465.62 7,035.80 2,507.08 2,799.03 1,062.87 68,172.67

4,064.95 4,595.20 6,019.96 7,272.51 10,410.88 13,167.09 16,868.83 21,422.49 25,618.58 29,134.88 32,102.14 36,306.05 39,801.94 44,815.66 48,302.28 54,767.90 61,803.70 64,310.78 67,109.81 68,172.67

5.96 5.96 0.78 6.74 2.09 8.83 1.84 10.67 4.60 15.27 4.04 19.31 5.43 24.74 6.68 31.42 6.16 37.58 5.16 42.74 4.35 47.09 6.17 53.26 5.13 58.38 7.35 65.74 5.11 70.85 9.48 80.34 10.32 90.66 3.68 94.34 4.11 98.44 1.56 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 33 0 14 8 26 9 12 20 12 26 23 24 15 39 7 36 42 23 23 25 417

33 33 47 55 81 90 102 122 134 160 183 207 222 261 268 304 346 369 392 417

7.91 7.91 0.00 7.91 3.36 11.27 1.92 13.19 6.24 19.42 2.16 21.58 2.88 24.46 4.80 29.26 2.88 32.13 6.24 38.37 5.52 43.88 5.76 49.64 3.60 53.24 9.35 62.59 1.68 64.27 8.63 72.90 10.07 82.97 5.52 88.49 5.52 94.00 6.00 100.00

5,513.55 0.00 422.86 44.17 215.65 404.56 157.63 225.74 122.73 959.41 1,639.08 603.33 329.77 626.16 5.48 2,324.00 998.66 533.58 562.90 1,324.45 17,013.72

5,513.55 5,513.55 5,936.42 5,980.59 6,196.24 6,600.79 6,758.42 6,984.16 7,106.89 8,066.30 9,705.38 10,308.71 10,638.48 11,264.64 11,270.12 13,594.12 14,592.79 15,126.37 15,689.27 17,013.72

32.41 32.41 135.64 135.64 0.00 32.41 0.00 119.98 2.49 34.89 29.68 98.61 0.26 35.15 3.53 82.24 1.27 36.42 6.87 59.52 2.38 38.80 14.68 50.13 0.93 39.72 4.26 40.06 1.33 41.05 4.96 32.60 0.72 41.77 2.92 27.74 5.64 47.41 27.28 27.69 9.63 57.04 55.24 30.23 3.55 60.59 14.35 28.39 1.94 62.53 9.43 26.73 3.68 66.21 12.49 25.14 0.03 66.24 0.16 23.33 13.66 79.90 35.94 24.82 5.87 85.77 14.19 23.61 3.14 88.91 21.28 23.52 3.31 92.22 20.11 23.38 7.78 100.00 124.61 24.96 24.96

Page 143 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,489 1,763 2,289 1,110 1,508 677 400 377 222 152 132 165 136 126 65 92 69 29 33 6 10,840

1,489 3,252 5,541 6,651 8,159 8,836 9,236 9,613 9,835 9,987 10,119 10,284 10,420 10,546 10,611 10,703 10,772 10,801 10,834 10,840

13.74 13.74 16.26 30.00 21.12 51.12 10.24 61.36 13.91 75.27 6.25 81.51 3.69 85.20 3.48 88.68 2.05 90.73 1.40 92.13 1.22 93.35 1.52 94.87 1.25 96.13 1.16 97.29 0.60 97.89 0.85 98.74 0.64 99.37 0.27 99.64 0.30 99.94 0.06 100.00

620.51 288.72 698.35 672.38 1,090.68 871.73 680.41 857.98 670.16 572.76 526.50 623.07 651.75 669.74 311.13 1,085.28 763.49 332.43 325.37 214.29 12,526.74

620.51 909.24 1,607.58 2,279.97 3,370.65 4,242.38 4,922.78 5,780.76 6,450.93 7,023.69 7,550.19 8,173.27 8,825.02 9,494.76 9,805.88 10,891.17 11,654.65 11,987.08 12,312.45 12,526.74

4.95 4.95 2.30 7.26 5.57 12.83 5.37 18.20 8.71 26.91 6.96 33.87 5.43 39.30 6.85 46.15 5.35 51.50 4.57 56.07 4.20 60.27 4.97 65.25 5.20 70.45 5.35 75.80 2.48 78.28 8.66 86.94 6.09 93.04 2.65 95.69 2.60 98.29 1.71 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 8 3 0 1 6 3 1 3 9 5 3 0 5 2 0 2 0 2 4 0 57

8 11 11 12 18 21 22 25 34 39 42 42 47 49 49 51 51 53 57 57

14.04 14.04 5.26 19.30 0.00 19.30 1.75 21.05 10.53 31.58 5.26 36.84 1.75 38.60 5.26 43.86 15.79 59.65 8.77 68.42 5.26 73.68 0.00 73.68 8.77 82.46 3.51 85.96 0.00 85.96 3.51 89.47 0.00 89.47 3.51 92.98 7.02 100.00 0.00 100.00

346.69 53.02 0.00 0.00 84.45 11.33 0.00 90.87 62.52 83.21 36.74 0.00 117.12 31.81 0.00 835.00 0.00 36.50 582.98 0.00 2,372.23

346.69 399.71 399.71 399.71 484.16 495.48 495.48 586.35 648.87 732.08 768.83 768.83 885.94 917.75 917.75 1,752.75 1,752.75 1,789.25 2,372.23 2,372.23

14.61 14.61 55.87 2.23 16.85 18.36 0.00 16.85 0.00 0.00 16.85 0.00 3.56 20.41 7.74 0.48 20.89 1.30 0.00 20.89 0.00 3.83 24.72 10.59 2.64 27.35 9.33 3.51 30.86 14.53 1.55 32.41 6.98 0.00 32.41 0.00 4.94 37.35 17.97 1.34 38.69 4.75 0.00 38.69 0.00 35.20 73.89 76.94 0.00 73.89 0.00 1.54 75.42 10.98 24.58 100.00 179.17 0.00 100.00 0.00

55.87 43.96 24.86 17.53 14.36 11.68 10.07 10.14 10.06 10.42 10.18 9.41 10.04 9.67 9.36 16.09 15.04 14.93 19.27 18.94

18.94

Page 144 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 847 1,041 1,694 959 1,109 599 423 386 222 117 70 89 60 102 34 59 32 16 12 4 7,875

847 1,888 3,582 4,541 5,650 6,249 6,672 7,058 7,280 7,397 7,467 7,556 7,616 7,718 7,752 7,811 7,843 7,859 7,871 7,875

10.76 10.76 13.22 23.97 21.51 45.49 12.18 57.66 14.08 71.75 7.61 79.35 5.37 84.72 4.90 89.63 2.82 92.44 1.49 93.93 0.89 94.82 1.13 95.95 0.76 96.71 1.30 98.01 0.43 98.44 0.75 99.19 0.41 99.59 0.20 99.80 0.15 99.95 0.05 100.00

387.04 147.64 402.33 451.72 903.36 842.76 887.81 1,181.82 874.44 533.12 377.04 453.68 382.28 656.39 318.92 497.94 358.90 321.97 134.27 44.00 10,157.44

387.04 534.68 937.01 1,388.73 2,292.09 3,134.85 4,022.66 5,204.48 6,078.92 6,612.04 6,989.08 7,442.76 7,825.04 8,481.43 8,800.36 9,298.29 9,657.20 9,979.17 10,113.44 10,157.44

3.81 3.81 1.45 5.26 3.96 9.22 4.45 13.67 8.89 22.57 8.30 30.86 8.74 39.60 11.63 51.24 8.61 59.85 5.25 65.10 3.71 68.81 4.47 73.27 3.76 77.04 6.46 83.50 3.14 86.64 4.90 91.54 3.53 95.08 3.17 98.24 1.32 99.57 0.43 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 2 2 0 0 0 0 0 0 0 0 4 0 0 0 0 8

0 0 0 0 0 2 4 4 4 4 4 4 4 4 4 8 8 8 8 8

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

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

0.00 0.00 0.00 0.00 0.00 31.25 194.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33.98 0.00 0.00 0.00 0.00 259.85

0.00 0.00 0.00 0.00 0.00 31.25 225.86 225.86 225.86 225.86 225.86 225.86 225.86 225.86 225.86 259.85 259.85 259.85 259.85 259.85

0.00 0.00 0.00 0.00 0.00 12.03 74.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.08 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 12.03 86.92 86.92 86.92 86.92 86.92 86.92 86.92 86.92 86.92 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 3.71 21.92 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.82 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 1.00 5.61 4.34 3.72 3.42 3.23 3.03 2.89 2.66 2.57 2.79 2.69 2.60 2.57 2.56

2.56

Page 145 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 352 485 763 434 478 314 175 186 99 60 57 57 44 53 51 60 43 19 10 5 3,745

352 837 1,600 2,034 2,512 2,826 3,001 3,187 3,286 3,346 3,403 3,460 3,504 3,557 3,608 3,668 3,711 3,730 3,740 3,745

9.40 9.40 12.95 22.35 20.37 42.72 11.59 54.31 12.76 67.08 8.38 75.46 4.67 80.13 4.97 85.10 2.64 87.74 1.60 89.35 1.52 90.87 1.52 92.39 1.17 93.56 1.42 94.98 1.36 96.34 1.60 97.94 1.15 99.09 0.51 99.60 0.27 99.87 0.13 100.00

185.37 101.63 260.70 257.13 446.36 505.04 472.50 651.79 444.78 319.67 297.29 339.53 643.34 396.77 421.87 677.14 548.67 229.43 69.91 49.36 7,318.29

185.37 287.00 547.70 804.83 1,251.19 1,756.24 2,228.73 2,880.53 3,325.30 3,644.97 3,942.27 4,281.79 4,925.13 5,321.90 5,743.77 6,420.91 6,969.59 7,199.02 7,268.93 7,318.29

2.53 2.53 1.39 3.92 3.56 7.48 3.51 11.00 6.10 17.10 6.90 24.00 6.46 30.45 8.91 39.36 6.08 45.44 4.37 49.81 4.06 53.87 4.64 58.51 8.79 67.30 5.42 72.72 5.76 78.49 9.25 87.74 7.50 95.24 3.14 98.37 0.96 99.33 0.67 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 6 4 4 0 0 0 2 0 0 0 0 0 3 0 0 0 2 0 0 0 21

6 10 14 14 14 14 16 16 16 16 16 16 19 19 19 19 21 21 21 21

28.57 19.05 19.05 0.00 0.00 0.00 9.52 0.00 0.00 0.00 0.00 0.00 14.29 0.00 0.00 0.00 9.52 0.00 0.00 0.00

28.57 47.62 66.67 66.67 66.67 66.67 76.19 76.19 76.19 76.19 76.19 76.19 90.48 90.48 90.48 90.48 100.00 100.00 100.00 100.00

838.10 10.61 203.97 0.00 0.00 0.00 266.51 0.00 0.00 0.00 0.00 0.00 659.37 0.00 0.00 0.00 21.73 0.00 0.00 0.00 2,000.31

838.10 848.72 1,052.69 1,052.69 1,052.69 1,052.69 1,319.20 1,319.20 1,319.20 1,319.20 1,319.20 1,319.20 1,978.58 1,978.58 1,978.58 1,978.58 2,000.31 2,000.31 2,000.31 2,000.31

41.90 0.53 10.20 0.00 0.00 0.00 13.32 0.00 0.00 0.00 0.00 0.00 32.96 0.00 0.00 0.00 1.09 0.00 0.00 0.00

41.90 452.13 452.13 42.43 10.44 295.72 52.63 78.24 192.20 52.63 0.00 130.80 52.63 0.00 84.13 52.63 0.00 59.94 65.95 56.41 59.19 65.95 0.00 45.80 65.95 0.00 39.67 65.95 0.00 36.19 65.95 0.00 33.46 65.95 0.00 30.81 98.91 102.49 40.17 98.91 0.00 37.18 98.91 0.00 34.45 98.91 0.00 30.81 100.00 3.96 28.70 100.00 0.00 27.79 100.00 0.00 27.52 100.00 0.00 27.33 27.33

Page 146 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,149 1,011 1,685 1,316 1,555 862 597 461 306 173 128 163 83 97 57 86 53 31 13 5 9,831

1,149 2,160 3,845 5,161 6,716 7,578 8,175 8,636 8,942 9,115 9,243 9,406 9,489 9,586 9,643 9,729 9,782 9,813 9,826 9,831

11.69 11.69 10.28 21.97 17.14 39.11 13.39 52.50 15.82 68.31 8.77 77.08 6.07 83.16 4.69 87.84 3.11 90.96 1.76 92.72 1.30 94.02 1.66 95.68 0.84 96.52 0.99 97.51 0.58 98.09 0.87 98.96 0.54 99.50 0.32 99.82 0.13 99.95 0.05 100.00

796.77 209.38 509.42 536.00 1,220.22 1,323.86 1,391.16 1,484.53 1,339.50 865.35 823.69 1,044.22 764.76 788.22 617.03 1,252.45 959.77 727.78 350.52 99.58 17,104.23

796.77 1,006.15 1,515.57 2,051.57 3,271.79 4,595.66 5,986.81 7,471.34 8,810.85 9,676.20 10,499.89 11,544.11 12,308.87 13,097.09 13,714.12 14,966.58 15,926.35 16,654.13 17,004.65 17,104.23

4.66 4.66 1.22 5.88 2.98 8.86 3.13 11.99 7.13 19.13 7.74 26.87 8.13 35.00 8.68 43.68 7.83 51.51 5.06 56.57 4.82 61.39 6.11 67.49 4.47 71.96 4.61 76.57 3.61 80.18 7.32 87.50 5.61 93.11 4.25 97.37 2.05 99.42 0.58 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 2 2 2 5 0 0 0 0 0 0 0 8 0 0 0 0 0 0 19

0 0 2 4 6 11 11 11 11 11 11 11 11 19 19 19 19 19 19 19

0.00 0.00 10.53 10.53 10.53 26.32 0.00 0.00 0.00 0.00 0.00 0.00 0.00 42.11 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 10.53 21.05 31.58 57.89 57.89 57.89 57.89 57.89 57.89 57.89 57.89 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 91.41 64.58 343.71 255.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 393.07 0.00 0.00 0.00 0.00 0.00 0.00 1,148.05

0.00 0.00 91.41 155.99 499.70 754.99 754.99 754.99 754.99 754.99 754.99 754.99 754.99 1,148.05 1,148.05 1,148.05 1,148.05 1,148.05 1,148.05 1,148.05

0.00 0.00 7.96 5.63 29.94 22.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 34.24 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 7.96 13.59 43.53 65.76 65.76 65.76 65.76 65.76 65.76 65.76 65.76 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 17.94 12.05 28.17 19.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 49.87 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 6.03 7.60 15.27 16.43 12.61 10.11 8.57 7.80 7.19 6.54 6.13 8.77 8.37 7.67 7.21 6.89 6.75 6.71

6.71

Page 147 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 106 110 226 146 175 76 63 52 39 13 20 14 9 16 6 3 5 5 3 0 1,087

106 216 442 588 763 839 902 954 993 1,006 1,026 1,040 1,049 1,065 1,071 1,074 1,079 1,084 1,087 1,087

9.75 9.75 10.12 19.87 20.79 40.66 13.43 54.09 16.10 70.19 6.99 77.18 5.80 82.98 4.78 87.76 3.59 91.35 1.20 92.55 1.84 94.39 1.29 95.68 0.83 96.50 1.47 97.98 0.55 98.53 0.28 98.80 0.46 99.26 0.46 99.72 0.28 100.00 0.00 100.00

38.93 15.02 43.17 72.68 136.52 101.30 124.50 239.50 245.62 62.17 95.24 68.84 67.67 174.68 55.41 92.39 182.53 38.02 38.02 0.00 1,892.22

38.93 53.95 97.12 169.79 306.32 407.62 532.12 771.63 1,017.25 1,079.42 1,174.66 1,243.50 1,311.17 1,485.85 1,541.26 1,633.65 1,816.19 1,854.20 1,892.22 1,892.22

2.06 2.06 0.79 2.85 2.28 5.13 3.84 8.97 7.22 16.19 5.35 21.54 6.58 28.12 12.66 40.78 12.98 53.76 3.29 57.04 5.03 62.08 3.64 65.72 3.58 69.29 9.23 78.52 2.93 81.45 4.88 86.34 9.65 95.98 2.01 97.99 2.01 100.00 0.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2 0 0 0 0 0 2 0 0 0 0 0 0 0 0 0 0 0 0 0 4

2 2 2 2 2 2 4 4 4 4 4 4 4 4 4 4 4 4 4 4

50.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

50.00 50.00 50.00 50.00 50.00 50.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

430.17 0.00 0.00 0.00 0.00 0.00 449.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 879.29

430.17 430.17 430.17 430.17 430.17 430.17 879.29 879.29 879.29 879.29 879.29 879.29 879.29 879.29 879.29 879.29 879.29 879.29 879.29 879.29

48.92 0.00 0.00 0.00 0.00 0.00 51.08 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

48.92 48.92 48.92 48.92 48.92 48.92 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 1,104,96 0.00 0.00 0.00 0.00 0.00 360.73 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

1,104,96 797.37 442.95 253.35 140.43 105.53 165.24 113.95 86.44 81.46 74.85 70.71 67.06 59.18 57.05 53.82 48.41 47.42 46.47 46.47

46.47

Page 148 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 243 419 1,061 671 659 317 254 161 101 40 50 45 35 23 14 34 7 1 2 0 4,137

243 662 1,723 2,394 3,053 3,370 3,624 3,785 3,886 3,926 3,976 4,021 4,056 4,079 4,093 4,127 4,134 4,135 4,137 4,137

5.87 5.87 10.13 16.00 25.65 41.65 16.22 57.87 15.93 73.80 7.66 81.46 6.14 87.60 3.89 91.49 2.44 93.93 0.97 94.90 1.21 96.11 1.09 97.20 0.85 98.04 0.56 98.60 0.34 98.94 0.82 99.76 0.17 99.93 0.02 99.95 0.05 100.00 0.00 100.00

215.58 48.42 181.81 187.75 364.48 307.84 393.21 400.19 295.12 150.09 212.33 251.70 197.13 241.95 118.23 603.30 148.90 36.00 70.58 0.00 4,424.61

215.58 264.00 445.81 633.56 998.04 1,305.88 1,699.08 2,099.28 2,394.40 2,544.49 2,756.82 3,008.52 3,205.65 3,447.59 3,565.83 4,169.13 4,318.03 4,354.03 4,424.61 4,424.61

4.87 4.87 1.09 5.97 4.11 10.08 4.24 14.32 8.24 22.56 6.96 29.51 8.89 38.40 9.04 47.45 6.67 54.12 3.39 57.51 4.80 62.31 5.69 68.00 4.46 72.45 5.47 77.92 2.67 80.59 13.64 94.23 3.37 97.59 0.81 98.40 1.60 100.00 0.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 4 0 0 0 2 0 0 0 0 0 0 0 3 0 0 7 0 0 0 0 16

4 4 4 4 6 6 6 6 6 6 6 6 9 9 9 16 16 16 16 16

25.00 0.00 0.00 0.00 12.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 18.75 0.00 0.00 43.75 0.00 0.00 0.00 0.00

25.00 25.00 25.00 25.00 37.50 37.50 37.50 37.50 37.50 37.50 37.50 37.50 56.25 56.25 56.25 100.00 100.00 100.00 100.00 100.00

309.19 0.00 0.00 0.00 151.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 249.11 0.00 0.00 1,378.87 0.00 0.00 0.00 0.00 2,088.67

309.19 309.19 309.19 309.19 460.69 460.69 460.69 460.69 460.69 460.69 460.69 460.69 709.80 709.80 709.80 2,088.67 2,088.67 2,088.67 2,088.67 2,088.67

14.80 0.00 0.00 0.00 7.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11.93 0.00 0.00 66.02 0.00 0.00 0.00 0.00

14.80 143.42 143.42 14.80 0.00 117.12 14.80 0.00 69.35 14.80 0.00 48.80 22.06 41.57 46.16 22.06 0.00 35.28 22.06 0.00 27.11 22.06 0.00 21.95 22.06 0.00 19.24 22.06 0.00 18.11 22.06 0.00 16.71 22.06 0.00 15.31 33.98 126.37 22.14 33.98 0.00 20.59 33.98 0.00 19.91 100.00 228.55 50.10 100.00 0.00 48.37 100.00 0.00 47.97 100.00 0.00 47.21 100.00 0.00 47.21 47.21

Page 149 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 8,134 5,840 9,032 6,262 7,467 4,312 2,887 2,385 1,398 822 684 911 623 1,020 613 1,009 1,079 569 600 225 55,872

8,134 13,974 23,006 29,268 36,735 41,047 43,934 46,319 47,717 48,539 49,223 50,134 50,757 51,777 52,390 53,399 54,478 55,047 55,647 55,872

14.56 14.56 10.45 25.01 16.17 41.18 11.21 52.38 13.36 65.75 7.72 73.47 5.17 78.63 4.27 82.90 2.50 85.40 1.47 86.88 1.22 88.10 1.63 89.73 1.12 90.85 1.83 92.67 1.10 93.77 1.81 95.57 1.93 97.51 1.02 98.52 1.07 99.60 0.40 100.00

11,765.72 845.05 2,066.18 2,405.97 4,557.55 4,093.32 4,049.50 4,614.82 3,906.62 2,635.07 2,664.66 4,250.83 3,617.21 7,432.78 5,281.08 13,171.21 14,421.53 9,035.02 14,947.90 4,161.13 119,923.16

11,765.72 12,610.77 14,676.95 17,082.91 21,640.46 25,733.78 29,783.28 34,398.11 38,304.73 40,939.80 43,604.46 47,855.29 51,472.50 58,905.28 64,186.36 77,357.57 91,779.10 100,814.12 115,762.03 119,923.16

9.81 9.81 0.70 10.52 1.72 12.24 2.01 14.24 3.80 18.05 3.41 21.46 3.38 24.84 3.85 28.68 3.26 31.94 2.20 34.14 2.22 36.36 3.54 39.90 3.02 42.92 6.20 49.12 4.40 53.52 10.98 64.51 12.03 76.53 7.53 84.07 12.46 96.53 3.47 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 69 2 3 20 16 10 10 27 12 2 30 20 33 35 35 37 77 34 59 21 552

69 71 74 94 110 120 130 157 169 171 201 221 254 289 324 361 438 472 531 552

12.50 12.50 0.36 12.86 0.54 13.41 3.62 17.03 2.90 19.93 1.81 21.74 1.81 23.55 4.89 28.44 2.17 30.62 0.36 30.98 5.43 36.41 3.62 40.04 5.98 46.01 6.34 52.36 6.34 58.70 6.70 65.40 13.95 79.35 6.16 85.51 10.69 96.20 3.80 100.00

6,219.79 48.40 207.08 176.65 6,512.90 233.10 81.49 544.01 205.87 0.00 3,910.06 4,798.83 4,710.45 3,701.41 798.26 1,925.16 5,497.35 48,907.27 10,499.50 5,550.53 104,528.12

6,219.79 6,268.19 6,475.27 6,651.92 13,164.82 13,397.92 13,479.42 14,023.42 14,229.29 14,229.29 18,139.35 22,938.19 27,648.64 31,350.04 32,148.31 34,073.47 39,570.82 88,478.09 98,977.60 104,528.12

5.95 5.95 0.05 6.00 0.20 6.19 0.17 6.36 6.23 12.59 0.22 12.82 0.08 12.90 0.52 13.42 0.20 13.61 0.00 13.61 3.74 17.35 4.59 21.94 4.51 26.45 3.54 29.99 0.76 30.76 1.84 32.60 5.26 37.86 46.79 84.65 10.04 94.69 5.31 100.00

52.86 5.73 10.02 7.34 142.90 5.69 2.01 11.79 5.27 0.00 146.74 112.89 130.22 49.80 15.12 14.62 38.12 541.31 70.24 133.39

52.86 49.71 44.12 38.94 60.83 52.06 45.26 40.77 37.15 34.76 41.60 47.93 53.72 53.22 50.09 44.05 43.12 87.76 85.50 87.16

87.16

Page 150 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 554 367 535 388 411 229 158 105 99 42 34 46 17 40 25 23 25 17 20 14 3,149

554 921 1,456 1,844 2,255 2,484 2,642 2,747 2,846 2,888 2,922 2,968 2,985 3,025 3,050 3,073 3,098 3,115 3,135 3,149

17.59 17.59 11.65 29.25 16.99 46.24 12.32 58.56 13.05 71.61 7.27 78.88 5.02 83.90 3.33 87.23 3.14 90.38 1.33 91.71 1.08 92.79 1.46 94.25 0.54 94.79 1.27 96.06 0.79 96.86 0.73 97.59 0.79 98.38 0.54 98.92 0.64 99.56 0.44 100.00

218.22 34.47 129.01 140.14 226.64 223.38 271.96 258.81 203.09 129.30 100.86 179.28 88.44 277.68 240.00 166.31 239.42 131.65 229.92 93.53 3,582.10

218.22 252.68 381.69 521.84 748.47 971.85 1,243.81 1,502.62 1,705.71 1,835.01 1,935.87 2,115.15 2,203.59 2,481.27 2,721.27 2,887.58 3,127.00 3,258.66 3,488.57 3,582.10

6.09 6.09 0.96 7.05 3.60 10.66 3.91 14.57 6.33 20.89 6.24 27.13 7.59 34.72 7.23 41.95 5.67 47.62 3.61 51.23 2.82 54.04 5.00 59.05 2.47 61.52 7.75 69.27 6.70 75.97 4.64 80.61 6.68 87.30 3.68 90.97 6.42 97.39 2.61 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 2 0 3 0 0 0 0 0 2 0 0 0 0 0 2 2 0 11

0 0 0 2 2 5 5 5 5 5 5 7 7 7 7 7 7 9 11 11

0.00 0.00 0.00 0.00 0.00 0.00 18.18 18.18 0.00 18.18 27.27 45.45 0.00 45.45 0.00 45.45 0.00 45.45 0.00 45.45 0.00 45.45 18.18 63.64 0.00 63.64 0.00 63.64 0.00 63.64 0.00 63.64 0.00 63.64 18.18 81.82 18.18 100.00 0.00 100.00

0.00 0.00 0.00 15.00 0.00 330.02 0.00 0.00 0.00 0.00 0.00 6.45 0.00 0.00 0.00 0.00 0.00 6.00 21.20 0.00 378.68

0.00 0.00 0.00 15.00 15.00 345.02 345.02 345.02 345.02 345.02 345.02 351.48 351.48 351.48 351.48 351.48 351.48 357.48 378.68 378.68

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.96 3.96 10.70 0.00 3.96 0.00 87.15 91.11 147.74 0.00 91.11 0.00 0.00 91.11 0.00 0.00 91.11 0.00 0.00 91.11 0.00 0.00 91.11 0.00 1.70 92.82 3.60 0.00 92.82 0.00 0.00 92.82 0.00 0.00 92.82 0.00 0.00 92.82 0.00 0.00 92.82 0.00 1.58 94.40 4.56 5.60 100.00 9.22 0.00 100.00 0.00

0.00 0.00 0.00 2.87 2.00 35.50 27.74 22.96 20.23 18.80 17.82 16.62 15.95 14.17 12.92 12.17 11.24 10.97 10.85 10.57

10.57

Page 151 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 393 320 577 360 344 181 67 117 54 36 23 22 16 20 10 20 9 5 0 0 2,574

393 713 1,290 1,650 1,994 2,175 2,242 2,359 2,413 2,449 2,472 2,494 2,510 2,530 2,540 2,560 2,569 2,574 2,574 2,574

15.27 15.27 12.43 27.70 22.42 50.12 13.99 64.10 13.36 77.47 7.03 84.50 2.60 87.10 4.55 91.65 2.10 93.75 1.40 95.14 0.89 96.04 0.85 96.89 0.62 97.51 0.78 98.29 0.39 98.68 0.78 99.46 0.35 99.81 0.19 100.00 0.00 100.00 0.00 100.00

165.57 53.88 94.11 112.24 235.00 163.11 135.27 318.91 212.84 175.50 118.57 110.22 101.26 104.37 102.11 321.46 157.83 35.61 0.00 0.00 2,717.84

165.57 219.44 313.55 425.79 660.79 823.89 959.17 1,278.08 1,490.92 1,666.42 1,784.99 1,895.21 1,996.46 2,100.83 2,202.94 2,524.40 2,682.23 2,717.84 2,717.84 2,717.84

6.09 6.09 1.98 8.07 3.46 11.54 4.13 15.67 8.65 24.31 6.00 30.31 4.98 35.29 11.73 47.03 7.83 54.86 6.46 61.31 4.36 65.68 4.06 69.73 3.73 73.46 3.84 77.30 3.76 81.05 11.83 92.88 5.81 98.69 1.31 100.00 0.00 100.00 0.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 2 0 0 0 0 0 0 0 2 0 0 0 0 0 4 0 0 0 0 0 8

2 2 2 2 2 2 2 2 4 4 4 4 4 4 8 8 8 8 8 8

25.00 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 50.00 0.00 0.00 0.00 0.00 0.00

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

33.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.71 0.00 0.00 0.00 0.00 0.00 34.67 0.00 0.00 0.00 0.00 0.00 75.38

33.00 33.00 33.00 33.00 33.00 33.00 33.00 33.00 40.71 40.71 40.71 40.71 40.71 40.71 75.38 75.38 75.38 75.38 75.38 75.38

43.78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.23 0.00 0.00 0.00 0.00 0.00 45.99 0.00 0.00 0.00 0.00 0.00

43.78 43.78 43.78 43.78 43.78 43.78 43.78 43.78 54.01 54.01 54.01 54.01 54.01 54.01 100.00 100.00 100.00 100.00 100.00 100.00

19.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.62 0.00 0.00 0.00 0.00 0.00 33.95 0.00 0.00 0.00 0.00 0.00

19.93 15.04 10.52 7.75 4.99 4.01 3.44 2.58 2.73 2.44 2.28 2.15 2.04 1.94 3.42 2.99 2.81 2.77 2.77 2.77

2.77

Page 152 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 : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,809 1,918 3,526 2,378 2,751 1,512 854 685 341 206 164 201 137 133 84 162 120 76 110 43 17,210

1,809 3,727 7,253 9,631 12,382 13,894 14,748 15,433 15,774 15,980 16,144 16,345 16,482 16,615 16,699 16,861 16,981 17,057 17,167 17,210

10.51 10.51 11.14 21.66 20.49 42.14 13.82 55.96 15.98 71.95 8.79 80.73 4.96 85.69 3.98 89.67 1.98 91.66 1.20 92.85 0.95 93.81 1.17 94.97 0.80 95.77 0.77 96.54 0.49 97.03 0.94 97.97 0.70 98.67 0.44 99.11 0.64 99.75 0.25 100.00

2,008.12 368.74 914.12 1,222.98 2,357.05 2,039.40 1,557.36 1,778.31 1,140.23 839.75 778.70 1,148.48 938.73 1,130.05 736.19 1,756.78 1,642.01 1,215.06 1,395.52 3,439.37 28,406.96

2,008.12 2,376.86 3,290.99 4,513.97 6,871.01 8,910.42 10,467.78 12,246.09 13,386.32 14,226.07 15,004.77 16,153.25 17,091.98 18,222.03 18,958.23 20,715.01 22,357.02 23,572.07 24,967.59 28,406.96

7.07 7.07 1.30 8.37 3.22 11.59 4.31 15.89 8.30 24.19 7.18 31.37 5.48 36.85 6.26 43.11 4.01 47.12 2.96 50.08 2.74 52.82 4.04 56.86 3.30 60.17 3.98 64.15 2.59 66.74 6.18 72.92 5.78 78.70 4.28 82.98 4.91 87.89 12.11 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 13 4 0 2 0 2 8 4 0 2 4 2 0 6 0 0 11 0 23 8 89

13 17 17 19 19 21 29 33 33 35 39 41 41 47 47 47 58 58 81 89

14.61 14.61 4.49 19.10 0.00 19.10 2.25 21.35 0.00 21.35 2.25 23.60 8.99 32.58 4.49 37.08 0.00 37.08 2.25 39.33 4.49 43.82 2.25 46.07 0.00 46.07 6.74 52.81 0.00 52.81 0.00 52.81 12.36 65.17 0.00 65.17 25.84 91.01 8.99 100.00

124.18 62.71 0.00 1.52 0.00 0.00 30.21 921.59 0.00 106.91 2.90 0.60 0.00 137.11 0.00 0.00 140.14 0.00 5,877.62 167.94 7,573.44

124.18 186.90 186.90 188.42 188.42 188.42 218.63 1,140.22 1,140.22 1,247.13 1,250.03 1,250.63 1,250.63 1,387.74 1,387.74 1,387.74 1,527.87 1,527.87 7,405.50 7,573.44

1.64 1.64 6.18 0.83 2.47 17.01 0.00 2.47 0.00 0.02 2.49 0.12 0.00 2.49 0.00 0.00 2.49 0.00 0.40 2.89 1.94 12.17 15.06 51.82 0.00 15.06 0.00 1.41 16.47 12.73 0.04 16.51 0.37 0.01 16.51 0.05 0.00 16.51 0.00 1.81 18.32 12.13 0.00 18.32 0.00 0.00 18.32 0.00 1.85 20.17 8.53 0.00 20.17 0.00 77.61 97.78 421.18 2.22 100.00 4.88

6.18 7.86 5.68 4.17 2.74 2.11 2.09 9.31 8.52 8.77 8.33 7.74 7.32 7.62 7.32 6.70 6.83 6.48 29.66 26.66

26.66

Page 153 of 204

RISK AND LOSS PROFILE 2012

RISK AND LOSS PROFILE 2012 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 2012 ALL CODE

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 148,351 120,216 177,001 117,305 142,560 82,586 65,796 59,572 38,037 22,976 20,462 24,677 19,470 24,313 17,054 24,458 19,114 8,500 9,612 3,584 1,145,644

148,351 268,567 445,568 562,873 705,433 788,019 853,815 913,387 951,424 974,400 994,862 1,019,539 1,039,009 1,063,322 1,080,376 1,104,834 1,123,948 1,132,448 1,142,060 1,145,644

12.95 12.95 10.49 23.44 15.45 38.89 10.24 49.13 12.44 61.58 7.21 68.78 5.74 74.53 5.20 79.73 3.32 83.05 2.01 85.05 1.79 86.84 2.15 88.99 1.70 90.69 2.12 92.81 1.49 94.30 2.13 96.44 1.67 98.11 0.74 98.85 0.84 99.69 0.31 100.00

93,546.15 22,389.44 52,685.98 57,673.33 110,869.70 94,687.54 118,141.21 115,337.42 90,746.16 87,737.06 60,602.91 86,594.87 128,204.03 125,788.34 113,111.15 247,934.09 301,390.60 181,444.43 189,747.28 127,044.79 2,405,676.48

93,546.15 115,935.59 168,621.57 226,294.90 337,164.60 431,852.14 549,993.35 665,330.77 756,076.93 843,813.99 904,416.90 991,011.77 1,119,215.80 1,245,004.14 1,358,115.29 1,606,049.38 1,907,439.98 2,088,884.42 2,278,631.70 2,405,676.50

3.89 3.89 0.93 4.82 2.19 7.01 2.40 9.41 4.61 14.02 3.94 17.95 4.91 22.86 4.79 27.66 3.77 31.43 3.65 35.08 2.52 37.60 3.60 41.19 5.33 46.52 5.23 51.75 4.70 56.45 10.31 66.76 12.53 79.29 7.54 86.83 7.89 94.72 5.28 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 224 40 86 57 85 49 80 76 52 43 39 28 59 83 72 127 135 98 162 113 1,708

224 264 350 407 492 541 621 697 749 792 831 859 918 1,001 1,073 1,200 1,335 1,433 1,595 1,708

13.11 13.11 2.34 15.46 5.04 20.49 3.34 23.83 4.98 28.81 2.87 31.67 4.68 36.36 4.45 40.81 3.04 43.85 2.52 46.37 2.28 48.65 1.64 50.29 3.45 53.75 4.86 58.61 4.22 62.82 7.44 70.26 7.90 78.16 5.74 83.90 9.48 93.38 6.62 100.00

CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 18,689.21 1,827.25 1,880.87 2,447.36 3,981.32 1,991.11 4,827.69 1,308.89 2,267.23 2,397.34 3,598.99 740.56 805.53 929.20 7,892.61 15,117.16 10,008.55 5,369.58 44,310.74 21,614.11 152,005.30

18,689.21 20,516.45 22,397.32 24,844.68 28,826.00 30,817.11 35,644.81 36,953.69 39,220.93 41,618.27 45,217.26 45,957.82 46,763.35 47,692.55 55,585.17 70,702.32 80,710.87 86,080.45 130,391.19 152,005.30

12.30 12.30 1.20 13.50 1.24 14.73 1.61 16.34 2.62 18.96 1.31 20.27 3.18 23.45 0.86 24.31 1.49 25.80 1.58 27.38 2.37 29.75 0.49 30.23 0.53 30.76 0.61 31.38 5.19 36.57 9.95 46.51 6.58 53.10 3.53 56.63 29.15 85.78 14.22 100.00

19.98 8.16 3.57 4.24 3.59 2.10 4.09 1.13 2.50 2.73 5.94 0.86 0.63 0.74 6.98 6.10 3.32 2.96 23.35 17.01

19.98 17.70 13.28 10.98 8.55 7.14 6.48 5.55 5.19 4.93 5.00 4.64 4.18 3.83 4.09 4.40 4.23 4.12 5.72 6.32

6.32

Page 154 of 204

RISK AND LOSS PROFILE 2012 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) 2012 ALL CODE

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 119,232 106,652 156,612 101,083 116,553 62,636 46,177 38,871 23,981 14,096 12,829 14,861 11,689 13,621 9,425 11,693 7,384 2,583 2,569 826 873,373

119,232 225,884 382,496 483,579 600,132 662,768 708,945 747,816 771,797 785,893 798,722 813,583 825,272 838,893 848,318 860,011 867,395 869,978 872,547 873,373

13.65 13.65 12.21 25.86 17.93 43.80 11.57 55.37 13.35 68.71 7.17 75.89 5.29 81.17 4.45 85.62 2.75 88.37 1.61 89.98 1.47 91.45 1.70 93.15 1.34 94.49 1.56 96.05 1.08 97.13 1.34 98.47 0.85 99.32 0.30 99.61 0.29 99.91 0.09 100.00

49,146.30 49,146.30 19,657.11 68,803.41 46,697.07 115,500.48 50,539.74 166,040.23 94,131.37 260,171.60 75,213.11 335,384.72 73,595.01 408,979.73 79,762.89 488,742.62 58,625.39 547,368.01 39,545.03 586,913.04 35,902.44 622,815.48 48,727.91 671,543.39 40,209.12 711,752.51 56,935.06 768,687.57 42,262.27 810,949.85 81,987.00 892,936.84 63,424.22 956,361.06 29,347.38 985,708.44 32,034.82 1,017,743.26 24,099.26 1,041,842.52 1,041,842.52

4.72 4.72 1.89 6.60 4.48 11.09 4.85 15.94 9.04 24.97 7.22 32.19 7.06 39.26 7.66 46.91 5.63 52.54 3.80 56.33 3.45 59.78 4.68 64.46 3.86 68.32 5.46 73.78 4.06 77.84 7.87 85.71 6.09 91.80 2.82 94.61 3.07 97.69 2.31 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 83 23 53 41 50 24 34 15 25 18 11 14 16 16 22 24 30 14 34 33 580

83 106 159 200 250 274 308 323 348 366 377 391 407 423 445 469 499 513 547 580

14.31 14.31 3.97 18.28 9.14 27.41 7.07 34.48 8.62 43.10 4.14 47.24 5.86 53.10 2.59 55.69 4.31 60.00 3.10 63.10 1.90 65.00 2.41 67.41 2.76 70.17 2.76 72.93 3.79 76.72 4.14 80.86 5.17 86.03 2.41 88.45 5.86 94.31 5.69 100.00

3,765.65 516.86 1,493.60 2,339.30 2,776.24 1,774.29 2,929.11 295.01 1,799.69 552.10 3,283.80 694.46 536.17 28.63 370.10 5,036.24 673.45 2,034.18 21,961.61 686.18 53,546.65

3,765.65 4,282.51 5,776.10 8,115.40 10,891.64 12,665.93 15,595.04 15,890.05 17,689.74 18,241.84 21,525.63 22,220.09 22,756.26 22,784.89 23,155.00 28,191.24 28,864.68 30,898.86 52,860.48 53,546.65

7.03 7.03 0.97 8.00 2.79 10.79 4.37 15.16 5.18 20.34 3.31 23.65 5.47 29.12 0.55 29.68 3.36 33.04 1.03 34.07 6.13 40.20 1.30 41.50 1.00 42.50 0.05 42.55 0.69 43.24 9.41 52.65 1.26 53.91 3.80 57.70 41.01 98.72 1.28 100.00

7.66 2.63 3.20 4.63 2.95 2.36 3.98 0.37 3.07 1.40 9.15 1.43 1.33 0.05 0.88 6.14 1.06 6.93 68.56 2.85

7.66 6.22 5.00 4.89 4.19 3.78 3.81 3.25 3.23 3.11 3.46 3.31 3.20 2.96 2.86 3.16 3.02 3.13 5.19 5.14

5.14

Page 155 of 204

RISK AND LOSS PROFILE 2012 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) 2012 ALL CODE

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 16,660 7,358 10,276 8,743 15,439 12,256 12,665 13,612 9,105 5,776 4,900 6,294 4,691 6,541 4,414 7,559 6,968 3,431 4,081 1,689 162,458

16,660 24,018 34,294 43,037 58,476 70,732 83,397 97,009 106,114 111,890 116,790 123,084 127,775 134,316 138,730 146,289 153,257 156,688 160,769 162,458

10.25 10.25 4.53 14.78 6.33 21.11 5.38 26.49 9.50 35.99 7.54 43.54 7.80 51.33 8.38 59.71 5.60 65.32 3.56 68.87 3.02 71.89 3.87 75.76 2.89 78.65 4.03 82.68 2.72 85.39 4.65 90.05 4.29 94.34 2.11 96.45 2.51 98.96 1.04 100.00

25,535.56 1,532.45 2,898.95 3,895.91 10,451.40 10,842.44 31,497.04 22,770.12 20,568.13 37,463.49 15,768.92 23,859.53 71,934.42 43,003.98 37,603.94 97,459.22 139,959.93 83,676.72 76,970.57 34,067.18 791,759.91

25,535.56 27,068.01 29,966.96 33,862.87 44,314.27 55,156.70 86,653.74 109,423.86 129,991.99 167,455.48 183,224.40 207,083.93 279,018.35 322,022.34 359,626.28 457,085.50 597,045.43 680,722.15 757,692.72 791,759.91

3.23 3.23 0.19 3.42 0.37 3.78 0.49 4.28 1.32 5.60 1.37 6.97 3.98 10.94 2.88 13.82 2.60 16.42 4.73 21.15 1.99 23.14 3.01 26.15 9.09 35.24 5.43 40.67 4.75 45.42 12.31 57.73 17.68 75.41 10.57 85.98 9.72 95.70 4.30 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 141 17 31 16 35 25 46 61 27 25 26 14 43 67 50 103 105 84 128 80 1,124

141 158 189 205 240 265 311 372 399 424 450 464 507 574 624 727 832 916 1,044 1,124

12.54 12.54 1.51 14.06 2.76 16.81 1.42 18.24 3.11 21.35 2.22 23.58 4.09 27.67 5.43 33.10 2.40 35.50 2.22 37.72 2.31 40.04 1.25 41.28 3.83 45.11 5.96 51.07 4.45 55.52 9.16 64.68 9.34 74.02 7.47 81.49 11.39 92.88 7.12 100.00

14,923.56 1,310.39 385.27 108.06 1,205.08 216.82 1,898.58 1,013.87 467.55 1,845.24 311.06 46.10 269.36 900.57 7,522.51 10,080.92 9,335.10 3,335.39 22,349.13 20,927.93 98,452.51

14,923.56 16,233.95 16,619.22 16,727.28 17,932.36 18,149.18 20,047.77 21,061.64 21,529.19 23,374.43 23,685.49 23,731.59 24,000.95 24,901.52 32,424.03 42,504.95 51,840.05 55,175.44 77,524.58 98,452.51

15.16 15.16 1.33 16.49 0.39 16.88 0.11 16.99 1.22 18.21 0.22 18.43 1.93 20.36 1.03 21.39 0.47 21.87 1.87 23.74 0.32 24.06 0.05 24.10 0.27 24.38 0.91 25.29 7.64 32.93 10.24 43.17 9.48 52.65 3.39 56.04 22.70 78.74 21.26 100.00

58.44 85.51 13.29 2.77 11.53 2.00 6.03 4.45 2.27 4.93 1.97 0.19 0.37 2.09 20.00 10.34 6.67 3.99 29.04 61.43

58.44 59.97 55.46 49.40 40.47 32.90 23.14 19.25 16.56 13.96 12.93 11.46 8.60 7.73 9.02 9.30 8.68 8.11 10.23 12.43

12.43

Page 156 of 204

RISK AND LOSS PROFILE 2012 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

DATA POSITION FROM : 01/01/2012 : 15/12/2012 DATA POSITION TO : 15/03/2013 PROCESSING DATE

LOSS OF PROFIT (LOP) 2012 ALL CODE NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4 1 2 20 3 4 1 6 2 4 1 4 1 3 2 21 7 7 6 0 99

4 5 7 27 30 34 35 41 43 47 48 52 53 56 58 79 86 93 99 99

4.04 4.04 1.01 5.05 2.02 7.07 20.20 27.27 3.03 30.30 4.04 34.34 1.01 35.35 6.06 41.41 2.02 43.43 4.04 47.47 1.01 48.48 4.04 52.53 1.01 53.54 3.03 56.57 2.02 58.59 21.21 79.80 7.07 86.87 7.07 93.94 6.06 100.00 6.06 100.00

13.77 0.11 0.25 5.10 1.98 1.33 1.51 3.41 3.60 4.36 3.00 19.34 3.08 4.77 4.71 68.25 16.90 7.98 2.19 0.00 165.66

13.77 13.88 14.13 19.23 21.21 22.55 24.06 27.47 31.07 35.43 38.43 57.78 60.85 65.62 70.33 138.58 155.49 163.47 165.66 165.66

8.31 8.31 0.07 8.38 0.15 8.53 3.08 11.61 1.20 12.80 0.81 13.61 0.91 14.52 2.06 16.58 2.17 18.76 2.63 21.39 1.81 23.20 11.68 34.88 1.86 36.73 2.88 39.61 2.84 42.45 41.20 83.66 10.20 93.86 4.82 98.68 1.32 100.00 1.32 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

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RISK AND LOSS PROFILE 2012 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) 2012 ALL CODE

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 12,455 6,205 10,111 7,459 10,565 7,690 6,954 7,082 4,949 3,100 2,733 3,517 3,090 4,147 3,213 5,185 4,755 2,479 2,956 1,069 109,714

12,455 18,660 28,771 36,230 46,795 54,485 61,439 68,521 73,470 76,570 79,303 82,820 85,910 90,057 93,270 98,455 103,210 105,689 108,645 109,714

11.35 11.35 5.66 17.01 9.22 26.22 6.80 33.02 9.63 42.65 7.01 49.66 6.34 56.00 6.45 62.45 4.51 66.97 2.83 69.79 2.49 72.28 3.21 75.49 2.82 78.30 3.78 82.08 2.93 85.01 4.73 89.74 4.33 94.07 2.26 96.33 2.69 99.03 0.97 100.00

18,850.53 1,199.76 3,089.71 3,232.58 6,284.95 8,630.65 13,049.16 12,799.48 11,549.04 10,724.17 8,931.56 13,985.09 16,060.49 25,841.45 33,240.23 68,419.61 97,989.55 68,412.35 80,739.70 68,878.34 571,908.41

18,850.53 20,050.29 23,140.00 26,372.57 32,657.52 41,288.18 54,337.33 67,136.82 78,685.86 89,410.03 98,341.58 112,326.67 128,387.16 154,228.61 187,468.84 255,888.46 353,878.01 422,290.36 503,030.06 571,908.41

3.30 3.30 0.21 3.51 0.54 4.05 0.57 4.61 1.10 5.71 1.51 7.22 2.28 9.50 2.24 11.74 2.02 13.76 1.88 15.63 1.56 17.20 2.45 19.64 2.81 22.45 4.52 26.97 5.81 32.78 11.96 44.74 17.13 61.88 11.96 73.84 14.12 87.96 12.04 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 2 0 0 0 0 0 0 0 2 0 0 0 0 0 0 0 0 0 4

0 0 2 2 2 2 2 2 2 2 4 4 4 4 4 4 4 4 4 4

0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 2.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.14

0.00 0.00 2.00 2.00 2.00 2.00 2.00 2.00 2.00 2.00 6.14 6.14 6.14 6.14 6.14 6.14 6.14 6.14 6.14 6.14

0.00 0.00 32.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 67.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 32.59 32.59 32.59 32.59 32.59 32.59 32.59 32.59 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.01 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.01 0.01 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 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 20

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

BAND

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

25 75 150 250 400 625 875 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. 111 28 51 43 64 69 44 78 52 56 38 63 60 94 87 134 210 123 208 130 1,743

111 139 190 233 297 366 410 488 540 596 634 697 757 851 938 1,072 1,282 1,405 1,613 1,743

6.37 6.37 1.61 7.97 2.93 10.90 2.47 13.37 3.67 17.04 3.96 21.00 2.52 23.52 4.48 28.00 2.98 30.98 3.21 34.19 2.18 36.37 3.61 39.99 3.44 43.43 5.39 48.82 4.99 53.82 7.69 61.50 12.05 73.55 7.06 80.61 11.93 92.54 7.46 100.00

2,007.57 6.53 16.25 22.31 111.70 144.98 64.23 164.50 101.33 200.18 134.62 245.80 477.89 593.05 675.19 11,087.97 5,478.79 1,496.13 2,424.83 6,180.11 31,633.94

2,007.57 2,014.10 2,030.34 2,052.65 2,164.35 2,309.34 2,373.57 2,538.07 2,639.39 2,839.58 2,974.19 3,219.99 3,697.88 4,290.93 4,966.12 16,054.09 21,532.88 23,029.01 25,453.84 31,633.94

6.35 6.35 0.02 6.37 0.05 6.42 0.07 6.49 0.35 6.84 0.46 7.30 0.20 7.50 0.52 8.02 0.32 8.34 0.63 8.98 0.43 9.40 0.78 10.18 1.51 11.69 1.87 13.56 2.13 15.70 35.05 50.75 17.32 68.07 4.73 72.80 7.67 80.46 19.54 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 3 0 0 0 0 0 0 0 0 0 1 4

0 0 0 0 0 0 0 0 0 3 3 3 3 3 3 3 3 3 3 4

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 75.00 75.00 0.00 75.00 0.00 75.00 0.00 75.00 0.00 75.00 0.00 75.00 0.00 75.00 0.00 75.00 0.00 75.00 0.00 75.00 25.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.27

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.27 100.00 100.00 25.27 0.00 100.00 25.27 0.00 100.00 25.27 0.00 100.00 25.27 0.00 100.00 25.27 0.00 100.00 25.27 0.00 100.00 25.27 0.00 100.00 25.27 0.00 100.00 25.27 0.00 100.00 25.27 0.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.62 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 0.00 0.00 0.00 0.00 0.89 0.85 0.78 0.68 0.59 0.51 0.16 0.12 0.11 0.10 0.08

0.08

Page 159 of 204

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 21

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Stone, Earth, (Animal) Bones or Shells (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. 254 70 75 72 106 106 80 126 106 83 60 97 100 125 80 177 251 152 203 53 2,376

254 324 399 471 577 683 763 889 995 1,078 1,138 1,235 1,335 1,460 1,540 1,717 1,968 2,120 2,323 2,376

10.69 10.69 2.95 13.64 3.16 16.79 3.03 19.82 4.46 24.28 4.46 28.75 3.37 32.11 5.30 37.42 4.46 41.88 3.49 45.37 2.53 47.90 4.08 51.98 4.21 56.19 5.26 61.45 3.37 64.81 7.45 72.26 10.56 82.83 6.40 89.23 8.54 97.77 2.23 100.00

868.64 14.12 77.21 27.09 91.03 118.44 112.80 299.13 311.79 268.62 281.56 363.43 514.04 679.93 484.82 1,712.56 2,870.10 1,792.31 2,324.10 446.13 13,657.86

868.64 882.76 959.97 987.07 1,078.10 1,196.54 1,309.34 1,608.47 1,920.26 2,188.88 2,470.43 2,833.86 3,347.91 4,027.84 4,512.66 6,225.22 9,095.32 10,887.63 13,211.73 13,657.86

6.36 6.36 0.10 6.46 0.57 7.03 0.20 7.23 0.67 7.89 0.87 8.76 0.83 9.59 2.19 11.78 2.28 14.06 1.97 16.03 2.06 18.09 2.66 20.75 3.76 24.51 4.98 29.49 3.55 33.04 12.54 45.58 21.01 66.59 13.12 79.72 17.02 96.73 3.27 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 2 0 0 0 0 0 0 2 5 0 0 0 0 0 0 0 3 0 0 0 12

2 2 2 2 2 2 2 4 9 9 9 9 9 9 9 9 12 12 12 12

16.67 0.00 0.00 0.00 0.00 0.00 0.00 16.67 41.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.00 0.00 0.00 0.00

16.67 16.67 16.67 16.67 16.67 16.67 16.67 33.33 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 100.00 100.00 100.00 100.00

80.81 0.00 0.00 0.00 0.00 0.00 0.00 14.85 236.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.11 0.00 0.00 0.00 345.62

80.81 80.81 80.81 80.81 80.81 80.81 80.81 95.66 332.52 332.52 332.52 332.52 332.52 332.52 332.52 332.52 345.62 345.62 345.62 345.62

23.38 0.00 0.00 0.00 0.00 0.00 0.00 4.30 68.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.79 0.00 0.00 0.00

23.38 23.38 23.38 23.38 23.38 23.38 23.38 27.68 96.21 96.21 96.21 96.21 96.21 96.21 96.21 96.21 100.00 100.00 100.00 100.00

9.30 0.00 0.00 0.00 0.00 0.00 0.00 4.96 75.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.46 0.00 0.00 0.00

9.30 9.15 8.42 8.19 7.50 6.75 6.17 5.95 17.32 15.19 13.46 11.73 9.93 8.26 7.37 5.34 3.80 3.17 2.62 2.53

2.53

Page 160 of 204

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 22

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Metals (Logam)

BAND

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

25 75 150 250 400 625 875 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. 1,606 1,606 232 1,838 450 2,288 623 2,911 574 3,485 584 4,069 472 4,541 606 5,147 426 5,573 370 5,943 307 6,250 485 6,735 369 7,104 582 7,686 424 8,110 808 8,918 932 9,850 566 10,416 862 11,278 305 11,583 11,583

13.87 13.87 2.00 15.87 3.89 19.75 5.38 25.13 4.96 30.09 5.04 35.13 4.07 39.20 5.23 44.44 3.68 48.11 3.19 51.31 2.65 53.96 4.19 58.15 3.19 61.33 5.02 66.36 3.66 70.02 6.98 76.99 8.05 85.04 4.89 89.92 7.44 97.37 2.63 100.00

2,543.60 85.01 180.43 215.92 410.59 511.21 719.32 1,111.36 1,054.63 942.94 1,047.03 1,791.80 1,822.47 3,412.97 3,098.06 8,187.28 11,206.17 6,564.03 9,100.15 5,754.68 59,759.66

2,543.60 2,628.61 2,809.04 3,024.96 3,435.55 3,946.77 4,666.08 5,777.44 6,832.08 7,775.02 8,822.05 10,613.84 12,436.32 15,849.29 18,947.35 27,134.64 38,340.81 44,904.84 54,004.98 59,759.66

4.26 4.26 0.14 4.40 0.30 4.70 0.36 5.06 0.69 5.75 0.86 6.60 1.20 7.81 1.86 9.67 1.76 11.43 1.58 13.01 1.75 14.76 3.00 17.76 3.05 20.81 5.71 26.52 5.18 31.71 13.70 45.41 18.75 64.16 10.98 75.14 15.23 90.37 9.63 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 6 0 0 0 0 0 0 3 0 0 0 0 0 3 2 8 3 2 18 34 79

6 6 6 6 6 6 6 9 9 9 9 9 9 12 14 22 25 27 45 79

7.59 7.59 0.00 7.59 0.00 7.59 0.00 7.59 0.00 7.59 0.00 7.59 0.00 7.59 3.80 11.39 0.00 11.39 0.00 11.39 0.00 11.39 0.00 11.39 0.00 11.39 3.80 15.19 2.53 17.72 10.13 27.85 3.80 31.65 2.53 34.18 22.78 56.96 43.04 100.00

15.54 0.00 0.00 0.00 0.00 0.00 0.00 51.57 0.00 0.00 0.00 0.00 0.00 0.80 50.00 498.31 8.77 0.00 579.29 2,649.36 3,853.64

15.54 15.54 15.54 15.54 15.54 15.54 15.54 67.11 67.11 67.11 67.11 67.11 67.11 67.91 117.91 616.22 624.99 624.99 1,204.28 3,853.64

0.40 0.40 0.00 0.40 0.00 0.40 0.00 0.40 0.00 0.40 0.00 0.40 0.00 0.40 1.34 1.74 0.00 1.74 0.00 1.74 0.00 1.74 0.00 1.74 0.00 1.74 0.02 1.76 1.30 3.06 12.93 15.99 0.23 16.22 0.00 16.22 15.03 31.25 68.75 100.00

0.61 0.00 0.00 0.00 0.00 0.00 0.00 4.64 0.00 0.00 0.00 0.00 0.00 0.02 1.61 6.09 0.08 0.00 6.37 46.04

0.61 0.59 0.55 0.51 0.45 0.39 0.33 1.16 0.98 0.86 0.76 0.63 0.54 0.43 0.62 2.27 1.63 1.39 2.23 6.45

6.45

Page 161 of 204

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 23

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Chemical / Oil / Gas (Kimia / Minyak / Gas)

BAND

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,823 2,134 4,028 3,442 4,680 2,876 2,250 2,059 1,310 900 776 1,056 799 1,284 865 1,806 1,747 900 1,123 511 37,369

2,823 4,957 8,985 12,427 17,107 19,983 22,233 24,292 25,602 26,502 27,278 28,334 29,133 30,417 31,282 33,088 34,835 35,735 36,858 37,369

7.55 7.55 5.71 13.27 10.78 24.04 9.21 33.25 12.52 45.78 7.70 53.47 6.02 59.50 5.51 65.01 3.51 68.51 2.41 70.92 2.08 73.00 2.83 75.82 2.14 77.96 3.44 81.40 2.31 83.71 4.83 88.54 4.67 93.22 2.41 95.63 3.01 98.63 1.37 100.00

7,463.60 3,140.73 1,219.35 1,866.51 3,376.69 3,250.21 3,708.40 4,331.69 4,073.31 2,912.06 3,102.97 5,337.90 5,882.22 12,582.08 12,613.62 25,696.19 21,363.64 12,958.02 20,532.71 12,031.23 167,443.16

7,463.60 10,604.33 11,823.68 13,690.19 17,066.88 20,317.09 24,025.49 28,357.18 32,430.49 35,342.56 38,445.53 43,783.44 49,665.66 62,247.74 74,861.37 100,557.56 121,921.20 134,879.22 155,411.93 167,443.16

4.46 4.46 1.88 6.33 0.73 7.06 1.11 8.18 2.02 10.19 1.94 12.13 2.21 14.35 2.59 16.94 2.43 19.37 1.74 21.11 1.85 22.96 3.19 26.15 3.51 29.66 7.51 37.18 7.53 44.71 15.35 60.05 12.76 72.81 7.74 80.55 12.26 92.81 7.19 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 9 2 1 3 0 0 2 0 2 9 3 0 6 0 9 16 6 6 11 13 98

9 11 12 15 15 15 17 17 19 28 31 31 37 37 46 62 68 74 85 98

9.18 9.18 2.04 11.22 1.02 12.24 3.06 15.31 0.00 15.31 0.00 15.31 2.04 17.35 0.00 17.35 2.04 19.39 9.18 28.57 3.06 31.63 0.00 31.63 6.12 37.76 0.00 37.76 9.18 46.94 16.33 63.27 6.12 69.39 6.12 75.51 11.22 86.73 13.27 100.00

1,971.06 0.00 0.00 45.00 0.00 0.00 0.00 0.00 35.41 1,745.77 0.25 0.00 21.16 0.00 524.02 730.78 94.76 75.26 11,389.14 11,308.40 27,941.00

1,971.06 1,971.06 1,971.06 2,016.06 2,016.06 2,016.06 2,016.06 2,016.06 2,051.47 3,797.24 3,797.49 3,797.49 3,818.65 3,818.65 4,342.66 5,073.44 5,168.21 5,243.46 16,632.60 27,941.00

7.05 7.05 0.00 7.05 0.00 7.05 0.16 7.22 0.00 7.22 0.00 7.22 0.00 7.22 0.00 7.22 0.13 7.34 6.25 13.59 0.00 13.59 0.00 13.59 0.08 13.67 0.00 13.67 1.88 15.54 2.62 18.16 0.34 18.50 0.27 18.77 40.76 59.53 40.47 100.00

26.41 0.00 0.00 2.41 0.00 0.00 0.00 0.00 0.87 59.95 0.01 0.00 0.36 0.00 4.15 2.84 0.44 0.58 55.47 93.99

26.41 18.59 16.67 14.73 11.81 9.92 8.39 7.11 6.33 10.74 9.88 8.67 7.69 6.13 5.80 5.05 4.24 3.89 10.70 16.69

16.69

Page 162 of 204

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 24

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Textiles (Tekstil)

BAND

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

25 75 150 250 400 625 875 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. 1,374 504 981 909 1,442 989 907 927 743 436 384 515 393 634 459 913 859 544 850 287 15,050

1,374 1,878 2,859 3,768 5,210 6,199 7,106 8,033 8,776 9,212 9,596 10,111 10,504 11,138 11,597 12,510 13,369 13,913 14,763 15,050

9.13 9.13 3.35 12.48 6.52 19.00 6.04 25.04 9.58 34.62 6.57 41.19 6.03 47.22 6.16 53.38 4.94 58.31 2.90 61.21 2.55 63.76 3.42 67.18 2.61 69.79 4.21 74.01 3.05 77.06 6.07 83.12 5.71 88.83 3.61 92.45 5.65 98.09 1.91 100.00

4,089.51 204.54 659.90 937.58 2,946.34 2,107.15 2,099.81 3,041.34 2,459.03 1,619.90 1,748.16 2,704.92 2,424.51 4,247.62 3,889.62 9,887.49 11,754.97 7,483.00 11,055.52 5,215.38 80,576.29

4,089.51 4,294.05 4,953.95 5,891.53 8,837.87 10,945.02 13,044.83 16,086.17 18,545.20 20,165.10 21,913.26 24,618.18 27,042.69 31,290.31 35,179.93 45,067.42 56,822.39 64,305.39 75,360.92 80,576.29

5.08 5.08 0.25 5.33 0.82 6.15 1.16 7.31 3.66 10.97 2.62 13.58 2.61 16.19 3.77 19.96 3.05 23.02 2.01 25.03 2.17 27.20 3.36 30.55 3.01 33.56 5.27 38.83 4.83 43.66 12.27 55.93 14.59 70.52 9.29 79.81 13.72 93.53 6.47 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 8 0 1 0 4 2 0 3 2 0 1 0 2 2 10 8 0 8 24 2 77

8 8 9 9 13 15 15 18 20 20 21 21 23 25 35 43 43 51 75 77

10.39 10.39 0.00 10.39 1.30 11.69 0.00 11.69 5.19 16.88 2.60 19.48 0.00 19.48 3.90 23.38 2.60 25.97 0.00 25.97 1.30 27.27 0.00 27.27 2.60 29.87 2.60 32.47 12.99 45.45 10.39 55.84 0.00 55.84 10.39 66.23 31.17 97.40 2.60 100.00

7,042.00 0.00 0.00 0.00 453.02 621.24 0.00 21.56 100.00 0.00 0.00 0.00 3.02 5.43 71.44 512.17 0.00 374.21 1,145.97 5,293.80 15,643.86

7,042.00 7,042.00 7,042.00 7,042.00 7,495.02 8,116.27 8,116.27 8,137.83 8,237.83 8,237.83 8,237.83 8,237.83 8,240.84 8,246.27 8,317.71 8,829.88 8,829.88 9,204.09 10,350.06 15,643.86

45.01 45.01 172.20 172.20 0.00 45.01 0.00 163.99 0.00 45.01 0.00 142.15 0.00 45.01 0.00 119.53 2.90 47.91 15.38 84.81 3.97 51.88 29.48 74.15 0.00 51.88 0.00 62.22 0.14 52.02 0.71 50.59 0.64 52.66 4.07 44.42 0.00 52.66 0.00 40.85 0.00 52.66 0.00 37.59 0.00 52.66 0.00 33.46 0.02 52.68 0.12 30.47 0.03 52.71 0.13 26.35 0.46 53.17 1.84 23.64 3.27 56.44 5.18 19.59 0.00 56.44 0.00 15.54 2.39 58.84 5.00 14.31 7.33 66.16 10.37 13.73 33.84 100.00 101.50 19.41 19.41

Page 163 of 204

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 25

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Paper, Leather and Rubber (Kertas, Kulit dan Karet)

BAND

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

25 75 150 250 400 625 875 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. 881 881 306 1,187 550 1,737 526 2,263 814 3,077 680 3,757 623 4,380 769 5,149 551 5,700 393 6,093 361 6,454 508 6,962 355 7,317 620 7,937 392 8,329 820 9,149 731 9,880 429 10,309 583 10,892 223 11,115 11,115

7.93 7.93 2.75 10.68 4.95 15.63 4.73 20.36 7.32 27.68 6.12 33.80 5.61 39.41 6.92 46.32 4.96 51.28 3.54 54.82 3.25 58.07 4.57 62.64 3.19 65.83 5.58 71.41 3.53 74.93 7.38 82.31 6.58 88.89 3.86 92.75 5.25 97.99 2.01 100.00

5,456.33 222.18 375.13 519.09 1,470.06 1,506.92 1,421.28 3,493.74 2,545.48 2,050.05 1,985.12 3,089.17 2,324.69 5,576.99 5,919.56 15,508.82 16,031.77 12,553.49 11,705.83 22,789.17 116,544.86

5,456.33 5,678.51 6,053.64 6,572.73 8,042.79 9,549.71 10,970.99 14,464.72 17,010.20 19,060.25 21,045.38 24,134.55 26,459.24 32,036.23 37,955.79 53,464.60 69,496.37 82,049.86 93,755.69 116,544.86

4.68 4.68 0.19 4.87 0.32 5.19 0.45 5.64 1.26 6.90 1.29 8.19 1.22 9.41 3.00 12.41 2.18 14.60 1.76 16.35 1.70 18.06 2.65 20.71 1.99 22.70 4.79 27.49 5.08 32.57 13.31 45.87 13.76 59.63 10.77 70.40 10.04 80.45 19.55 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 14 0 0 0 0 2 0 2 1 1 0 2 0 2 1 11 16 5 3 0 60

14 14 14 14 14 16 16 18 19 20 20 22 22 24 25 36 52 57 60 60

23.33 23.33 0.00 23.33 0.00 23.33 0.00 23.33 0.00 23.33 3.33 26.67 0.00 26.67 3.33 30.00 1.67 31.67 1.67 33.33 0.00 33.33 3.33 36.67 0.00 36.67 3.33 40.00 1.67 41.67 18.33 60.00 26.67 86.67 8.33 95.00 5.00 100.00 0.00 100.00

1,599.25 0.00 0.00 0.00 0.00 6.22 0.00 1.48 0.00 0.00 0.00 20.00 0.00 0.00 0.00 230.09 4,939.85 1.42 0.00 0.00 6,798.31

1,599.25 1,599.25 1,599.25 1,599.25 1,599.25 1,605.47 1,605.47 1,606.95 1,606.95 1,606.95 1,606.95 1,626.95 1,626.95 1,626.95 1,626.95 1,857.04 6,796.89 6,798.31 6,798.31 6,798.31

23.52 23.52 0.00 23.52 0.00 23.52 0.00 23.52 0.00 23.52 0.09 23.62 0.00 23.62 0.02 23.64 0.00 23.64 0.00 23.64 0.00 23.64 0.29 23.93 0.00 23.93 0.00 23.93 0.00 23.93 3.38 27.32 72.66 99.98 0.02 100.00 0.00 100.00 0.00 100.00

29.31 0.00 0.00 0.00 0.00 0.41 0.00 0.04 0.00 0.00 0.00 0.65 0.00 0.00 0.00 1.48 30.81 0.01 0.00 0.00

29.31 28.16 26.42 24.33 19.88 16.81 14.63 11.11 9.45 8.43 7.64 6.74 6.15 5.08 4.29 3.47 9.78 8.29 7.25 5.83

5.83

Page 164 of 204

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 26

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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 F rp RP BAND CUM. BAND CUM. 760 352 508 343 496 350 320 410 291 249 187 253 224 315 272 501 526 251 324 81 7,013

760 1,112 1,620 1,963 2,459 2,809 3,129 3,539 3,830 4,079 4,266 4,519 4,743 5,058 5,330 5,831 6,357 6,608 6,932 7,013

10.84 10.84 5.02 15.86 7.24 23.10 4.89 27.99 7.07 35.06 4.99 40.05 4.56 44.62 5.85 50.46 4.15 54.61 3.55 58.16 2.67 60.83 3.61 64.44 3.19 67.63 4.49 72.12 3.88 76.00 7.14 83.15 7.50 90.65 3.58 94.23 4.62 98.85 1.15 100.00

3,956.04 284.23 505.19 549.44 1,220.30 1,094.16 1,320.30 2,057.47 1,858.99 1,928.99 1,577.12 2,706.72 2,760.49 4,217.13 4,919.76 10,795.29 12,417.41 5,675.66 8,061.61 1,165.66 69,071.97

3,956.04 4,240.27 4,745.46 5,294.90 6,515.20 7,609.36 8,929.67 10,987.14 12,846.12 14,775.11 16,352.23 19,058.95 21,819.44 26,036.57 30,956.33 41,751.62 54,169.03 59,844.69 67,906.31 69,071.97

5.73 5.73 0.41 6.14 0.73 6.87 0.80 7.67 1.77 9.43 1.58 11.02 1.91 12.93 2.98 15.91 2.69 18.60 2.79 21.39 2.28 23.67 3.92 27.59 4.00 31.59 6.11 37.69 7.12 44.82 15.63 60.45 17.98 78.42 8.22 86.64 11.67 98.31 1.69 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 7 0 4 0 0 0 0 0 0 1 2 0 0 0 2 4 18 5 6 2 51

7 7 11 11 11 11 11 11 11 12 14 14 14 14 16 20 38 43 49 51

13.73 13.73 0.00 13.73 7.84 21.57 0.00 21.57 0.00 21.57 0.00 21.57 0.00 21.57 0.00 21.57 0.00 21.57 1.96 23.53 3.92 27.45 0.00 27.45 0.00 27.45 0.00 27.45 3.92 31.37 7.84 39.22 35.29 74.51 9.80 84.31 11.76 96.08 3.92 100.00

18.81 0.00 216.87 0.00 0.00 0.00 0.00 0.00 0.00 0.00 46.17 0.00 0.00 0.00 1.38 51.71 406.58 40.95 191.85 155.75 1,130.08

18.81 18.81 235.68 235.68 235.68 235.68 235.68 235.68 235.68 235.68 281.85 281.85 281.85 281.85 283.23 334.94 741.52 782.47 974.33 1,130.08

1.66 1.66 0.00 1.66 19.19 20.86 0.00 20.86 0.00 20.86 0.00 20.86 0.00 20.86 0.00 20.86 0.00 20.86 0.00 20.86 4.09 24.94 0.00 24.94 0.00 24.94 0.00 24.94 0.12 25.06 4.58 29.64 35.98 65.62 3.62 69.24 16.98 86.22 13.78 100.00

0.48 0.00 42.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.93 0.00 0.00 0.00 0.03 0.48 3.27 0.72 2.38 13.36

0.48 0.44 4.97 4.45 3.62 3.10 2.64 2.15 1.83 1.60 1.72 1.48 1.29 1.08 0.91 0.80 1.37 1.31 1.43 1.64

1.64

Page 165 of 204

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 27

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Nutritional, Drinks and Tobacco (Makanan, Minuman dan Tembakau)

BAND

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

25 75 150 250 400 625 875 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. 2,915 1,945 4,549 1,385 2,419 1,163 1,232 1,211 951 681 625 835 655 1,066 852 1,612 1,545 984 1,165 452 28,242

2,915 4,860 9,409 10,794 13,213 14,376 15,608 16,819 17,770 18,451 19,076 19,911 20,566 21,632 22,484 24,096 25,641 26,625 27,790 28,242

10.32 10.32 6.89 17.21 16.11 33.32 4.90 38.22 8.57 46.78 4.12 50.90 4.36 55.27 4.29 59.55 3.37 62.92 2.41 65.33 2.21 67.54 2.96 70.50 2.32 72.82 3.77 76.60 3.02 79.61 5.71 85.32 5.47 90.79 3.48 94.27 4.13 98.40 1.60 100.00

3,870.12 464.57 962.02 867.42 1,551.67 1,489.67 1,725.58 2,405.75 2,004.57 1,731.86 1,958.05 2,823.02 2,767.33 6,308.13 5,183.50 13,817.64 15,790.54 10,702.97 13,126.92 4,513.75 94,065.10

3,870.12 4,334.69 5,296.71 6,164.14 7,715.81 9,205.48 10,931.06 13,336.82 15,341.39 17,073.25 19,031.30 21,854.32 24,621.65 30,929.78 36,113.29 49,930.92 65,721.47 76,424.43 89,551.35 94,065.10

4.11 4.11 0.49 4.61 1.02 5.63 0.92 6.55 1.65 8.20 1.58 9.79 1.83 11.62 2.56 14.18 2.13 16.31 1.84 18.15 2.08 20.23 3.00 23.23 2.94 26.18 6.71 32.88 5.51 38.39 14.69 53.08 16.79 69.87 11.38 81.25 13.96 95.20 4.80 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 15 2 2 0 2 0 0 2 0 2 2 3 5 7 3 20 17 25 35 2 144

15 17 19 19 21 21 21 23 23 25 27 30 35 42 45 65 82 107 142 144

10.42 10.42 1.39 11.81 1.39 13.19 0.00 13.19 1.39 14.58 0.00 14.58 0.00 14.58 1.39 15.97 0.00 15.97 1.39 17.36 1.39 18.75 2.08 20.83 3.47 24.31 4.86 29.17 2.08 31.25 13.89 45.14 11.81 56.94 17.36 74.31 24.31 98.61 1.39 100.00

273.20 20.00 15.00 0.00 198.97 0.00 0.00 8.38 0.00 0.00 55.35 0.00 17.41 32.36 12.00 2,504.11 639.77 1,322.59 29,191.84 1,102.88 35,393.86

273.20 293.20 308.20 308.20 507.17 507.17 507.17 515.55 515.55 515.55 570.90 570.90 588.31 620.68 632.67 3,136.79 3,776.55 5,099.15 34,290.99 35,393.86

0.77 0.77 7.06 0.06 0.83 4.31 0.04 0.87 1.56 0.00 0.87 0.00 0.56 1.43 12.82 0.00 1.43 0.00 0.00 1.43 0.00 0.02 1.46 0.35 0.00 1.46 0.00 0.00 1.46 0.00 0.16 1.61 2.83 0.00 1.61 0.00 0.05 1.66 0.63 0.09 1.75 0.51 0.03 1.79 0.23 7.07 8.86 18.12 1.81 10.67 4.05 3.74 14.41 12.36 82.48 96.88 222.38 3.12 100.00 24.43

7.06 6.76 5.82 5.00 6.57 5.51 4.64 3.87 3.36 3.02 3.00 2.61 2.39 2.01 1.75 6.28 5.75 6.67 38.29 37.63

37.63

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RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 28

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Power and Heating (Pembangkit Tenaga dan Pemanas)

BAND

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

25 75 150 250 400 625 875 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. 89 241 131 47 28 33 200 58 29 18 20 19 33 51 49 121 179 91 206 185 1,828

89 330 461 508 536 569 769 827 856 874 894 913 946 997 1,046 1,167 1,346 1,437 1,643 1,828

4.87 4.87 13.18 18.05 7.17 25.22 2.57 27.79 1.53 29.32 1.81 31.13 10.94 42.07 3.17 45.24 1.59 46.83 0.98 47.81 1.09 48.91 1.04 49.95 1.81 51.75 2.79 54.54 2.68 57.22 6.62 63.84 9.79 73.63 4.98 78.61 11.27 89.88 10.12 100.00

443.16 23.49 6.85 19.08 51.18 53.75 197.71 85.90 58.29 43.94 98.07 62.62 155.06 275.76 340.88 1,183.81 2,476.85 2,470.38 5,127.14 5,967.00 19,140.91

443.16 466.65 473.50 492.58 543.77 597.52 795.22 881.13 939.41 983.35 1,081.42 1,144.04 1,299.10 1,574.86 1,915.74 3,099.55 5,576.40 8,046.78 13,173.91 19,140.91

2.32 2.32 0.12 2.44 0.04 2.47 0.10 2.57 0.27 2.84 0.28 3.12 1.03 4.15 0.45 4.60 0.30 4.91 0.23 5.14 0.51 5.65 0.33 5.98 0.81 6.79 1.44 8.23 1.78 10.01 6.18 16.19 12.94 29.13 12.91 42.04 26.79 68.83 31.17 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 1 0 0 0 0 0 0 0 0 0 0 0 0 0 2 0 0 1 0 2 6

1 1 1 1 1 1 1 1 1 1 1 1 1 1 3 3 3 4 4 6

16.67 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 33.33 50.00 0.00 50.00 0.00 50.00 16.67 66.67 0.00 66.67 33.33 100.00

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 37.03 0.00 0.00 0.00 0.00 89.00 126.03

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 37.03 37.03 37.03 37.03 37.03 126.03

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 29.38 29.38 0.00 29.38 0.00 29.38 0.00 29.38 0.00 29.38 70.62 100.00

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 10.86 0.00 0.00 0.00 0.00 1.49

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 1.93 1.19 0.66 0.46 0.28 0.66

0.66

Page 167 of 204

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 29

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

BAND

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

25 75 150 250 400 625 875 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. 134,748 113,787 165,347 109,839 131,837 75,588 59,573 53,239 33,479 19,735 17,641 20,766 16,421 19,435 13,513 17,382 11,905 4,292 3,936 1,307 1,023,770

134,748 248,535 413,882 523,721 655,558 731,146 790,719 843,958 877,437 897,172 914,813 935,579 952,000 971,435 984,948 1,002,330 1,014,235 1,018,527 1,022,463 1,023,770

13.16 13.16 11.11 24.28 16.15 40.43 10.73 51.16 12.88 64.03 7.38 71.42 5.82 77.24 5.20 82.44 3.27 85.71 1.93 87.63 1.72 89.36 2.03 91.39 1.60 92.99 1.90 94.89 1.32 96.21 1.70 97.91 1.16 99.07 0.42 99.49 0.38 99.87 0.13 100.00

61,452.52 17,654.70 48,435.90 52,563.56 99,476.45 83,871.39 106,340.47 97,970.52 75,561.12 75,143.80 47,763.09 66,676.54 108,077.28 85,899.25 74,939.34 145,221.69 194,291.90 112,467.54 100,531.10 57,319.96 1,711,658.13

61,452.52 79,107.22 127,543.12 180,106.69 279,583.14 363,454.53 469,794.99 567,765.52 643,326.64 718,470.44 766,233.53 832,910.07 940,987.35 1,026,886.60 1,101,825.94 1,247,047.63 1,441,339.53 1,553,807.07 1,654,338.16 1,711,658.13

3.59 3.59 1.03 4.62 2.83 7.45 3.07 10.52 5.81 16.33 4.90 21.23 6.21 27.45 5.72 33.17 4.41 37.58 4.39 41.98 2.79 44.77 3.90 48.66 6.31 54.98 5.02 59.99 4.38 64.37 8.48 72.86 11.35 84.21 6.57 90.78 5.87 96.65 3.35 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 162 36 77 54 79 45 78 64 42 27 31 20 46 69 43 60 72 46 62 53 1,166

162 198 275 329 408 453 531 595 637 664 695 715 761 830 873 933 1,005 1,051 1,113 1,166

13.89 13.89 3.09 16.98 6.60 23.58 4.63 28.22 6.78 34.99 3.86 38.85 6.69 45.54 5.49 51.03 3.60 54.63 2.32 56.95 2.66 59.61 1.72 61.32 3.95 65.27 5.92 71.18 3.69 74.87 5.15 80.02 6.17 86.19 3.95 90.14 5.32 95.45 4.55 100.00

7,688.53 1,807.25 1,649.00 2,402.36 3,329.34 1,363.64 4,827.69 1,211.06 1,894.97 626.30 3,497.21 710.56 763.95 890.61 7,196.75 10,589.98 3,905.71 3,555.14 709.78 716.27 59,336.09

7,688.53 9,495.78 11,144.77 13,547.13 16,876.47 18,240.11 23,067.81 24,278.86 26,173.83 26,800.13 30,297.35 31,007.90 31,771.85 32,662.46 39,859.21 50,449.19 54,354.90 57,910.04 58,619.82 59,336.09

12.96 12.96 3.05 16.00 2.78 18.78 4.05 22.83 5.61 28.44 2.30 30.74 8.14 38.88 2.04 40.92 3.19 44.11 1.06 45.17 5.89 51.06 1.20 52.26 1.29 53.55 1.50 55.05 12.13 67.18 17.85 85.02 6.58 91.61 5.99 97.60 1.20 98.79 1.21 100.00

12.51 10.24 3.40 4.57 3.35 1.63 4.54 1.24 2.51 0.83 7.32 1.07 0.71 1.04 9.60 7.29 2.01 3.16 0.71 1.25

12.51 12.00 8.74 7.52 6.04 5.02 4.91 4.28 4.07 3.73 3.95 3.72 3.38 3.18 3.62 4.05 3.77 3.73 3.54 3.47

3.47

Page 168 of 204

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 30

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Estate Plantation Risk

BAND

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 84 16 19 17 29 45 49 28 44 25 27 36 24 29 35 102 70 10 22 0 711

84 100 119 136 165 210 259 287 331 356 383 419 443 472 507 609 679 689 711 711

11.81 11.81 2.25 14.06 2.67 16.74 2.39 19.13 4.08 23.21 6.33 29.54 6.89 36.43 3.94 40.37 6.19 46.55 3.52 50.07 3.80 53.87 5.06 58.93 3.38 62.31 4.08 66.39 4.92 71.31 14.35 85.65 9.85 95.50 1.41 96.91 3.09 100.00 0.00 100.00

267.78 7.24 15.80 29.62 52.96 445.39 320.92 177.13 353.34 489.12 406.00 538.57 562.19 604.19 824.42 3,214.99 2,881.66 520.42 746.72 0.00 12,458.47

267.78 275.02 290.82 320.44 373.40 818.79 1,139.71 1,316.85 1,670.18 2,159.30 2,565.30 3,103.88 3,666.07 4,270.25 5,094.68 8,309.67 11,191.33 11,711.75 12,458.47 12,458.47

2.15 2.15 0.06 2.21 0.13 2.33 0.24 2.57 0.43 3.00 3.57 6.57 2.58 9.15 1.42 10.57 2.84 13.41 3.93 17.33 3.26 20.59 4.32 24.91 4.51 29.43 4.85 34.28 6.62 40.89 25.81 66.70 23.13 89.83 4.18 94.01 5.99 100.00 0.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 2 0 0 0 0 0 0 2 0 4

0 0 0 0 0 0 0 0 0 0 0 2 2 2 2 2 2 2 4 4

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.00 0.00 0.00 0.00 0.00 0.00 0.00 1,102.88 0.00 1,112.88

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 10.00 10.00 10.00 10.00 1,112.88 1,112.88

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.90 0.90 1.86 0.00 0.90 0.00 0.00 0.90 0.00 0.00 0.90 0.00 0.00 0.90 0.00 0.00 0.90 0.00 0.00 0.90 0.00 99.10 100.00 147.70 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 0.32 0.27 0.23 0.20 0.12 0.09 0.09 8.93 8.93

8.93

Page 169 of 204

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 31

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Estate Plantation Risk

BAND

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 30 21 26 25 19 89 18 40 46 27 33 33 33 42 24 45 130 129 107 43 960

30 51 77 102 121 210 228 268 314 341 374 407 440 482 506 551 681 810 917 960

3.13 3.13 2.19 5.31 2.71 8.02 2.60 10.63 1.98 12.60 9.27 21.88 1.88 23.75 4.17 27.92 4.79 32.71 2.81 35.52 3.44 38.96 3.44 42.40 3.44 45.83 4.38 50.21 2.50 52.71 4.69 57.40 13.54 70.94 13.44 84.38 11.15 95.52 4.48 100.00

339.45 59.37 44.22 29.94 15.17 50.34 31.05 140.19 225.52 262.94 311.62 192.37 395.45 727.70 196.78 584.98 3,654.78 5,940.43 4,559.03 5,571.00 23,332.35

339.45 398.83 443.04 472.98 488.16 538.49 569.54 709.73 935.25 1,198.20 1,509.82 1,702.19 2,097.64 2,825.34 3,022.12 3,607.10 7,261.88 13,202.32 17,761.35 23,332.35

1.45 1.45 0.25 1.71 0.19 1.90 0.13 2.03 0.07 2.09 0.22 2.31 0.13 2.44 0.60 3.04 0.97 4.01 1.13 5.14 1.34 6.47 0.82 7.30 1.69 8.99 3.12 12.11 0.84 12.95 2.51 15.46 15.66 31.12 25.46 56.58 19.54 76.12 23.88 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 4 5

0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 1 1 1 1 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 0.00 0.00 0.00 0.00 0.00 0.00 20.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 80.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 298.66 298.66

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 5.36

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.28

1.28

Page 170 of 204

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 32

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Recreation Place (Tempat rekreasi/liburan)

BAND

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

25 75 150 250 400 625 875 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. 34 11 7 5 12 3 20 4 1 1 1 1 1 19 1 24 12 20 8 5 190

34 45 52 57 69 72 92 96 97 98 99 100 101 120 121 145 157 177 185 190

17.89 17.89 5.79 23.68 3.68 27.37 2.63 30.00 6.32 36.32 1.58 37.89 10.53 48.42 2.11 50.53 0.53 51.05 0.53 51.58 0.53 52.11 0.53 52.63 0.53 53.16 10.00 63.16 0.53 63.68 12.63 76.32 6.32 82.63 10.53 93.16 4.21 97.37 2.63 100.00

361.74 37.72 4.87 3.46 9.80 8.97 59.20 7.65 5.22 5.97 16.42 13.14 16.42 409.94 21.05 700.07 441.94 558.08 116.45 31.11 2,829.21

361.74 399.46 404.33 407.79 417.59 426.55 485.76 493.41 498.63 504.59 521.01 534.15 550.57 960.51 981.56 1,681.63 2,123.57 2,681.65 2,798.10 2,829.21

12.79 12.79 1.33 14.12 0.17 14.29 0.12 14.41 0.35 14.76 0.32 15.08 2.09 17.17 0.27 17.44 0.18 17.62 0.21 17.84 0.58 18.42 0.46 18.88 0.58 19.46 14.49 33.95 0.74 34.69 24.74 59.44 15.62 75.06 19.73 94.78 4.12 98.90 1.10 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1

0 0.00 0.00 0 0.00 0.00 1 100.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 171 of 204

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 40

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Non Estate Plantation Risk

BAND

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

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

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,642 569 279 29 40 11 8 17 9 3 3 9 4 14 2 12 17 9 15 2 3,694

2,642 3,211 3,490 3,519 3,559 3,570 3,578 3,595 3,604 3,607 3,610 3,619 3,623 3,637 3,639 3,651 3,668 3,677 3,692 3,694

71.52 71.52 15.40 86.92 7.55 94.48 0.79 95.26 1.08 96.35 0.30 96.64 0.22 96.86 0.46 97.32 0.24 97.56 0.08 97.64 0.08 97.73 0.24 97.97 0.11 98.08 0.38 98.46 0.05 98.51 0.32 98.84 0.46 99.30 0.24 99.54 0.41 99.95 0.05 100.00

426.09 185.00 182.86 22.30 85.74 34.95 20.14 51.04 138.77 142.64 189.50 50.82 40.40 207.64 25.58 314.26 730.07 261.97 335.18 59.61 3,504.57

426.09 611.10 793.96 816.25 902.00 936.95 957.09 1,008.13 1,146.90 1,289.54 1,479.04 1,529.86 1,570.26 1,777.89 1,803.47 2,117.73 2,847.80 3,109.77 3,444.96 3,504.57

12.16 12.16 5.28 17.44 5.22 22.65 0.64 23.29 2.45 25.74 1.00 26.74 0.57 27.31 1.46 28.77 3.96 32.73 4.07 36.80 5.41 42.20 1.45 43.65 1.15 44.81 5.92 50.73 0.73 51.46 8.97 60.43 20.83 81.26 7.48 88.73 9.56 98.30 1.70 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 1 100.00 100.00 1 0.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 172 of 204

RISK AND LOSS PROFILE 2012 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 2012 01 - NANGGROE ACEH DARUSSALAM

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,367 1,656 2,563 1,506 1,493 523 400 320 141 70 68 69 52 89 39 57 50 27 9 4 10,503

1,367 3,023 5,586 7,092 8,585 9,108 9,508 9,828 9,969 10,039 10,107 10,176 10,228 10,317 10,356 10,413 10,463 10,490 10,499 10,503

13.02 13.02 15.77 28.78 24.40 53.18 14.34 67.52 14.21 81.74 4.98 86.72 3.81 90.53 3.05 93.57 1.34 94.92 0.67 95.58 0.65 96.23 0.66 96.89 0.50 97.38 0.85 98.23 0.37 98.60 0.54 99.14 0.48 99.62 0.26 99.88 0.09 99.96 0.04 100.00

298.46 385.18 1,130.59 1,072.98 1,568.98 808.27 973.82 904.01 759.71 694.71 265.56 407.65 317.35 670.90 374.87 625.34 795.11 512.21 766.90 1,993.43 15,326.03

298.46 683.64 1,814.23 2,887.21 4,456.19 5,264.46 6,238.27 7,142.28 7,902.00 8,596.71 8,862.27 9,269.92 9,587.26 10,258.17 10,633.04 11,258.38 12,053.49 12,565.70 13,332.60 15,326.03

1.95 1.95 2.51 4.46 7.38 11.84 7.00 18.84 10.24 29.08 5.27 34.35 6.35 40.70 5.90 46.60 4.96 51.56 4.53 56.09 1.73 57.82 2.66 60.48 2.07 62.56 4.38 66.93 2.45 69.38 4.08 73.46 5.19 78.65 3.34 81.99 5.00 86.99 13.01 100.00

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

0.00 0.00 0.00 7.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.50

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.50 100.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00 7.50 0.00 100.00

0.00 0.00 0.00 0.70 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.26 0.17 0.14 0.12 0.11 0.09 0.09 0.08 0.08 0.08 0.07 0.07 0.07 0.06 0.06 0.06 0.05

0.05

Page 173 of 204

RISK AND LOSS PROFILE 2012 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 2012 02 - SUMATERA UTARA

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 15,486 10,621 13,470 9,874 11,636 5,742 4,233 3,492 2,090 1,229 1,105 1,208 922 1,142 696 1,083 896 494 378 71 85,868

15,486 26,107 39,577 49,451 61,087 66,829 71,062 74,554 76,644 77,873 78,978 80,186 81,108 82,250 82,946 84,029 84,925 85,419 85,797 85,868

18.03 18.03 12.37 30.40 15.69 46.09 11.50 57.59 13.55 71.14 6.69 77.83 4.93 82.76 4.07 86.82 2.43 89.26 1.43 90.69 1.29 91.98 1.41 93.38 1.07 94.46 1.33 95.79 0.81 96.60 1.26 97.86 1.04 98.90 0.58 99.48 0.44 99.92 0.08 100.00

4,961.54 1,448.13 3,489.97 4,527.42 8,891.57 6,755.54 7,371.73 8,522.10 5,802.54 3,697.89 4,278.77 4,797.65 4,365.07 7,779.82 9,912.67 18,134.53 38,869.45 25,093.62 39,338.39 2,361.82 210,400.22

4,961.54 6,409.67 9,899.64 14,427.06 23,318.63 30,074.17 37,445.90 45,968.01 51,770.55 55,468.44 59,747.21 64,544.86 68,909.93 76,689.75 86,602.42 104,736.95 143,606.40 168,700.02 208,038.40 210,400.22

2.36 2.36 0.69 3.05 1.66 4.71 2.15 6.86 4.23 11.08 3.21 14.29 3.50 17.80 4.05 21.85 2.76 24.61 1.76 26.36 2.03 28.40 2.28 30.68 2.07 32.75 3.70 36.45 4.71 41.16 8.62 49.78 18.47 68.25 11.93 80.18 18.70 98.88 1.12 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 7 6 8 0 4 5 7 15 10 1 4 7 10 9 2 20 14 17 13 2 161

7 13 21 21 25 30 37 52 62 63 67 74 84 93 95 115 129 146 159 161

4.35 4.35 3.73 8.07 4.97 13.04 0.00 13.04 2.48 15.53 3.11 18.63 4.35 22.98 9.32 32.30 6.21 38.51 0.62 39.13 2.48 41.61 4.35 45.96 6.21 52.17 5.59 57.76 1.24 59.01 12.42 71.43 8.70 80.12 10.56 90.68 8.07 98.76 1.24 100.00

261.57 55.72 273.43 0.00 292.42 12.14 123.56 365.84 37.52 0.00 69.14 423.02 31.82 78.85 0.00 2,482.62 1,156.61 600.91 1,014.39 3.65 7,283.20

261.57 317.30 590.73 590.73 883.14 895.28 1,018.84 1,384.68 1,422.20 1,422.20 1,491.33 1,914.36 1,946.17 2,025.02 2,025.02 4,507.65 5,664.25 6,265.16 7,279.55 7,283.20

3.59 3.59 0.77 4.36 3.75 8.11 0.00 8.11 4.01 12.13 0.17 12.29 1.70 13.99 5.02 19.01 0.52 19.53 0.00 19.53 0.95 20.48 5.81 26.28 0.44 26.72 1.08 27.80 0.00 27.80 34.09 61.89 15.88 77.77 8.25 86.02 13.93 99.95 0.05 100.00

5.27 3.85 7.83 0.00 3.29 0.18 1.68 4.29 0.65 0.00 1.62 8.82 0.73 1.01 0.00 13.69 2.98 2.39 2.58 0.15

5.27 4.95 5.97 4.09 3.79 2.98 2.72 3.01 2.75 2.56 2.50 2.97 2.82 2.64 2.34 4.30 3.94 3.71 3.50 3.46

3.46

Page 174 of 204

RISK AND LOSS PROFILE 2012 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 2012 03 - SUMATERA BARAT

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,391 5,131 8,959 6,501 6,458 2,636 1,948 1,550 924 496 493 686 651 728 520 546 257 80 40 10 43,005

4,391 9,522 18,481 24,982 31,440 34,076 36,024 37,574 38,498 38,994 39,487 40,173 40,824 41,552 42,072 42,618 42,875 42,955 42,995 43,005

10.21 10.21 11.93 22.14 20.83 42.97 15.12 58.09 15.02 73.11 6.13 79.24 4.53 83.77 3.60 87.37 2.15 89.52 1.15 90.67 1.15 91.82 1.60 93.41 1.51 94.93 1.69 96.62 1.21 97.83 1.27 99.10 0.60 99.70 0.19 99.88 0.09 99.98 0.02 100.00

2,042.40 1,015.53 2,710.09 2,884.54 4,980.79 3,402.37 3,587.36 3,586.65 2,377.98 1,234.17 1,241.14 1,825.77 1,578.91 2,147.61 1,862.90 3,292.72 21,014.85 23,887.05 1,431.19 110.42 86,214.43

2,042.40 3,057.92 5,768.01 8,652.55 13,633.34 17,035.71 20,623.07 24,209.72 26,587.70 27,821.88 29,063.02 30,888.79 32,467.70 34,615.31 36,478.21 39,770.93 60,785.77 84,672.83 86,104.02 86,214.43

2.37 2.37 1.18 3.55 3.14 6.69 3.35 10.04 5.78 15.81 3.95 19.76 4.16 23.92 4.16 28.08 2.76 30.84 1.43 32.27 1.44 33.71 2.12 35.83 1.83 37.66 2.49 40.15 2.16 42.31 3.82 46.13 24.38 70.51 27.71 98.21 1.66 99.87 0.13 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 2 0 1 0 0 0 2 0 1 0 3 0 0 0 0 2 0 11

0 0 0 2 2 3 3 3 3 5 5 6 6 9 9 9 9 9 11 11

0.00 0.00 0.00 0.00 0.00 0.00 18.18 18.18 0.00 18.18 9.09 27.27 0.00 27.27 0.00 27.27 0.00 27.27 18.18 45.45 0.00 45.45 9.09 54.55 0.00 54.55 27.27 81.82 0.00 81.82 0.00 81.82 0.00 81.82 0.00 81.82 18.18 100.00 0.00 100.00

0.00 0.00 0.00 208.34 0.00 0.00 0.00 0.00 0.00 105.75 0.00 0.00 0.00 0.70 0.00 0.00 0.00 0.00 1.50 0.00 316.28

0.00 0.00 0.00 208.34 208.34 208.34 208.34 208.34 208.34 314.08 314.08 314.08 314.08 314.78 314.78 314.78 314.78 314.78 316.28 316.28

0.00 0.00 0.00 0.00 0.00 0.00 65.87 65.87 0.00 65.87 0.00 65.87 0.00 65.87 0.00 65.87 0.00 65.87 33.43 99.30 0.00 99.30 0.00 99.30 0.00 99.30 0.22 99.53 0.00 99.53 0.00 99.53 0.00 99.53 0.00 99.53 0.47 100.00 0.00 100.00

0.00 0.00 0.00 7.22 0.00 0.00 0.00 0.00 0.00 8.57 0.00 0.00 0.00 0.03 0.00 0.00 0.00 0.00 0.10 0.00

0.00 0.00 0.00 2.41 1.53 1.22 1.01 0.86 0.78 1.13 1.08 1.02 0.97 0.91 0.86 0.79 0.52 0.37 0.37 0.37

0.37

Page 175 of 204

RISK AND LOSS PROFILE 2012 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 2012 04 - RIAU

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,582 4,879 7,578 5,574 6,390 3,002 2,096 1,861 1,073 716 576 686 551 626 454 552 464 263 248 63 42,234

4,582 9,461 17,039 22,613 29,003 32,005 34,101 35,962 37,035 37,751 38,327 39,013 39,564 40,190 40,644 41,196 41,660 41,923 42,171 42,234

10.85 10.85 11.55 22.40 17.94 40.34 13.20 53.54 15.13 68.67 7.11 75.78 4.96 80.74 4.41 85.15 2.54 87.69 1.70 89.39 1.36 90.75 1.62 92.37 1.30 93.68 1.48 95.16 1.07 96.24 1.31 97.54 1.10 98.64 0.62 99.26 0.59 99.85 0.15 100.00

2,794.16 906.69 3,582.40 3,133.51 6,309.01 4,387.28 3,849.24 3,758.94 2,452.72 1,656.78 1,504.59 1,875.41 6,997.81 8,561.14 2,668.16 3,847.09 5,095.70 4,041.01 6,685.23 19,421.34 93,528.20

2,794.16 3,700.85 7,283.24 10,416.75 16,725.76 21,113.04 24,962.28 28,721.22 31,173.94 32,830.73 34,335.32 36,210.73 43,208.54 51,769.68 54,437.84 58,284.92 63,380.62 67,421.63 74,106.86 93,528.20

2.99 2.99 0.97 3.96 3.83 7.79 3.35 11.14 6.75 17.88 4.69 22.57 4.12 26.69 4.02 30.71 2.62 33.33 1.77 35.10 1.61 36.71 2.01 38.72 7.48 46.20 9.15 55.35 2.85 58.20 4.11 62.32 5.45 67.77 4.32 72.09 7.15 79.23 20.77 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 7 2 2 0 6 0 6 0 0 3 0 0 2 2 0 0 0 3 0 0 33

7 9 11 11 17 17 23 23 23 26 26 26 28 30 30 30 30 33 33 33

21.21 21.21 6.06 27.27 6.06 33.33 0.00 33.33 18.18 51.52 0.00 51.52 18.18 69.70 0.00 69.70 0.00 69.70 9.09 78.79 0.00 78.79 0.00 78.79 6.06 84.85 6.06 90.91 0.00 90.91 0.00 90.91 0.00 90.91 9.09 100.00 0.00 100.00 0.00 100.00

10.99 54.75 0.00 0.00 65.33 0.00 226.36 0.00 0.00 350.62 0.00 0.00 2.61 0.45 0.00 0.00 0.00 0.00 0.00 0.00 711.10

10.99 65.74 65.74 65.74 131.07 131.07 357.43 357.43 357.43 708.04 708.04 708.04 710.65 711.10 711.10 711.10 711.10 711.10 711.10 711.10

1.55 7.70 0.00 0.00 9.19 0.00 31.83 0.00 0.00 49.31 0.00 0.00 0.37 0.06 0.00 0.00 0.00 0.00 0.00 0.00

1.55 9.24 9.24 9.24 18.43 18.43 50.26 50.26 50.26 99.57 99.57 99.57 99.94 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.39 6.04 0.00 0.00 1.04 0.00 5.88 0.00 0.00 21.16 0.00 0.00 0.04 0.01 0.00 0.00 0.00 0.00 0.00 0.00

0.39 1.78 0.90 0.63 0.78 0.62 1.43 1.24 1.15 2.16 2.06 1.96 1.64 1.37 1.31 1.22 1.12 1.05 0.96 0.76

0.76

Page 176 of 204

RISK AND LOSS PROFILE 2012 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 2012 05 - JAMBI

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,671 1,784 2,880 1,921 1,822 765 493 472 237 156 149 135 89 151 110 116 91 77 55 7 13,181

1,671 3,455 6,335 8,256 10,078 10,843 11,336 11,808 12,045 12,201 12,350 12,485 12,574 12,725 12,835 12,951 13,042 13,119 13,174 13,181

12.68 12.68 13.53 26.21 21.85 48.06 14.57 62.64 13.82 76.46 5.80 82.26 3.74 86.00 3.58 89.58 1.80 91.38 1.18 92.57 1.13 93.70 1.02 94.72 0.68 95.39 1.15 96.54 0.83 97.38 0.88 98.26 0.69 98.95 0.58 99.53 0.42 99.95 0.05 100.00

448.45 336.33 1,092.53 1,210.00 1,853.06 1,238.36 1,103.29 1,044.10 824.09 543.00 342.24 555.87 469.14 881.44 568.87 1,167.16 1,164.20 1,282.48 1,394.24 93.55 17,612.39

448.45 784.78 1,877.31 3,087.30 4,940.36 6,178.72 7,282.01 8,326.12 9,150.21 9,693.21 10,035.45 10,591.32 11,060.46 11,941.90 12,510.77 13,677.92 14,842.12 16,124.60 17,518.84 17,612.39

2.55 2.55 1.91 4.46 6.20 10.66 6.87 17.53 10.52 28.05 7.03 35.08 6.26 41.35 5.93 47.27 4.68 51.95 3.08 55.04 1.94 56.98 3.16 60.14 2.66 62.80 5.00 67.80 3.23 71.03 6.63 77.66 6.61 84.27 7.28 91.55 7.92 99.47 0.53 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3

0 0.00 0.00 0 0.00 0.00 3 100.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00 3 0.00 100.00

0.00 0.00 216.87 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 0.00 0.00 0.00 216.87

0.00 0.00 0.00 0.00 0.00 0.00 216.87 100.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00 216.87 0.00 100.00

0.00 0.00 19.85 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 11.55 7.02 4.39 3.51 2.98 2.60 2.37 2.24 2.16 2.05 1.96 1.82 1.73 1.59 1.46 1.34 1.24 1.23

1.23

Page 177 of 204

RISK AND LOSS PROFILE 2012 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 2012 06 - SUMATERA SELATAN

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,577 2,291 4,195 3,022 3,588 1,821 1,428 1,236 861 497 476 516 398 467 360 522 363 154 289 75 25,136

2,577 4,868 9,063 12,085 15,673 17,494 18,922 20,158 21,019 21,516 21,992 22,508 22,906 23,373 23,733 24,255 24,618 24,772 25,061 25,136

10.25 10.25 9.11 19.37 16.69 36.06 12.02 48.08 14.27 62.35 7.24 69.60 5.68 75.28 4.92 80.20 3.43 83.62 1.98 85.60 1.89 87.49 2.05 89.54 1.58 91.13 1.86 92.99 1.43 94.42 2.08 96.50 1.44 97.94 0.61 98.55 1.15 99.70 0.30 100.00

4,038.44 3,114.11 1,179.19 1,541.49 3,195.16 2,385.75 2,546.94 2,721.84 2,098.89 1,485.25 1,195.33 1,922.93 1,221.73 1,704.33 1,463.70 3,196.04 3,150.15 2,059.68 4,240.66 16,247.89 60,709.50

4,038.44 7,152.55 8,331.73 9,873.22 13,068.38 15,454.12 18,001.06 20,722.91 22,821.79 24,307.05 25,502.38 27,425.31 28,647.04 30,351.38 31,815.08 35,011.12 38,161.27 40,220.95 44,461.61 60,709.50

6.65 6.65 5.13 11.78 1.94 13.72 2.54 16.26 5.26 21.53 3.93 25.46 4.20 29.65 4.48 34.13 3.46 37.59 2.45 40.04 1.97 42.01 3.17 45.17 2.01 47.19 2.81 49.99 2.41 52.41 5.26 57.67 5.19 62.86 3.39 66.25 6.99 73.24 26.76 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 4 1 7 0 7 0 0 0 4 2 1 0 2 2 1 1 0 3 2 0 37

4 5 12 12 19 19 19 19 23 25 26 26 28 30 31 32 32 35 37 37

10.81 10.81 2.70 13.51 18.92 32.43 0.00 32.43 18.92 51.35 0.00 51.35 0.00 51.35 0.00 51.35 10.81 62.16 5.41 67.57 2.70 70.27 0.00 70.27 5.41 75.68 5.41 81.08 2.70 83.78 2.70 86.49 0.00 86.49 8.11 94.59 5.41 100.00 0.00 100.00

1.85 0.00 136.03 0.00 7.24 0.00 0.00 0.00 105.21 2.20 0.00 0.00 12.69 0.67 0.00 0.00 0.00 0.00 1.20 0.00 267.07

1.85 1.85 137.88 137.88 145.12 145.12 145.12 145.12 250.32 252.52 252.52 252.52 265.21 265.87 265.87 265.87 265.87 265.87 267.07 267.07

0.69 0.69 0.00 0.69 50.93 51.63 0.00 51.63 2.71 54.34 0.00 54.34 0.00 54.34 0.00 54.34 39.39 93.73 0.82 94.55 0.00 94.55 0.00 94.55 4.75 99.30 0.25 99.55 0.00 99.55 0.00 99.55 0.00 99.55 0.00 99.55 0.45 100.00 0.00 100.00

0.05 0.00 11.54 0.00 0.23 0.00 0.00 0.00 5.01 0.15 0.00 0.00 1.04 0.04 0.00 0.00 0.00 0.00 0.03 0.00

0.05 0.03 1.65 1.40 1.11 0.94 0.81 0.70 1.10 1.04 0.99 0.92 0.93 0.88 0.84 0.76 0.70 0.66 0.60 0.44

0.44

Page 178 of 204

RISK AND LOSS PROFILE 2012 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 2012 07 - BENGKULU

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 994 1,201 1,805 1,283 997 483 319 230 143 80 70 69 69 66 48 64 46 32 11 5 8,015

994 2,195 4,000 5,283 6,280 6,763 7,082 7,312 7,455 7,535 7,605 7,674 7,743 7,809 7,857 7,921 7,967 7,999 8,010 8,015

12.40 12.40 14.98 27.39 22.52 49.91 16.01 65.91 12.44 78.35 6.03 84.38 3.98 88.36 2.87 91.23 1.78 93.01 1.00 94.01 0.87 94.88 0.86 95.75 0.86 96.61 0.82 97.43 0.60 98.03 0.80 98.83 0.57 99.40 0.40 99.80 0.14 99.94 0.06 100.00

477.39 215.47 571.32 638.06 948.66 763.30 602.30 646.10 386.88 170.38 286.72 193.57 239.55 293.63 413.29 762.31 653.38 634.73 199.05 49.51 9,145.60

477.39 692.86 1,264.18 1,902.24 2,850.90 3,614.20 4,216.50 4,862.60 5,249.48 5,419.87 5,706.58 5,900.15 6,139.70 6,433.33 6,846.62 7,608.92 8,262.30 8,897.04 9,096.09 9,145.60

5.22 5.22 2.36 7.58 6.25 13.82 6.98 20.80 10.37 31.17 8.35 39.52 6.59 46.10 7.06 53.17 4.23 57.40 1.86 59.26 3.14 62.40 2.12 64.51 2.62 67.13 3.21 70.34 4.52 74.86 8.34 83.20 7.14 90.34 6.94 97.28 2.18 99.46 0.54 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 2 0 0 0 0 0 2 2 0 0 0 0 0 0 0 0 0 0 0 0 6

2 2 2 2 2 2 4 6 6 6 6 6 6 6 6 6 6 6 6 6

33.33 0.00 0.00 0.00 0.00 0.00 33.33 33.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

33.33 33.33 33.33 33.33 33.33 33.33 66.67 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

30.67 0.00 0.00 0.00 0.00 0.00 408.98 120.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 559.65

30.67 30.67 30.67 30.67 30.67 30.67 439.65 559.65 559.65 559.65 559.65 559.65 559.65 559.65 559.65 559.65 559.65 559.65 559.65 559.65

5.48 0.00 0.00 0.00 0.00 0.00 73.08 21.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

5.48 5.48 5.48 5.48 5.48 5.48 78.56 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

6.43 0.00 0.00 0.00 0.00 0.00 67.90 18.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

6.43 4.43 2.43 1.61 1.08 0.85 10.43 11.51 10.66 10.33 9.81 9.49 9.12 8.70 8.17 7.36 6.77 6.29 6.15 6.12

6.12

Page 179 of 204

RISK AND LOSS PROFILE 2012 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 2012 08 - LAMPUNG

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,520 2,486 3,664 2,206 2,203 1,093 808 655 497 222 235 235 209 238 175 332 272 196 197 46 18,489

2,520 5,006 8,670 10,876 13,079 14,172 14,980 15,635 16,132 16,354 16,589 16,824 17,033 17,271 17,446 17,778 18,050 18,246 18,443 18,489

13.63 13.63 13.45 27.08 19.82 46.89 11.93 58.82 11.92 70.74 5.91 76.65 4.37 81.02 3.54 84.56 2.69 87.25 1.20 88.45 1.27 89.72 1.27 90.99 1.13 92.13 1.29 93.41 0.95 94.36 1.80 96.15 1.47 97.63 1.06 98.69 1.07 99.75 0.25 100.00

1,237.02 324.25 966.39 1,165.45 1,853.45 1,542.22 1,311.22 1,470.43 1,210.30 705.43 787.39 848.68 24,274.11 1,477.26 3,612.75 23,014.85 41,935.63 27,695.72 7,042.49 418.04 142,893.07

1,237.02 1,561.27 2,527.65 3,693.10 5,546.56 7,088.77 8,399.99 9,870.42 11,080.72 11,786.15 12,573.54 13,422.22 37,696.33 39,173.59 42,786.33 65,801.18 107,736.81 135,432.53 142,475.03 142,893.07

0.87 0.87 0.23 1.09 0.68 1.77 0.82 2.58 1.30 3.88 1.08 4.96 0.92 5.88 1.03 6.91 0.85 7.75 0.49 8.25 0.55 8.80 0.59 9.39 16.99 26.38 1.03 27.41 2.53 29.94 16.11 46.05 29.35 75.40 19.38 94.78 4.93 99.71 0.29 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 7 0 0 2 0 0 0 0 0 2 0 0 2 0 2 1 2 7 15 0 40

7 7 7 9 9 9 9 9 9 11 11 11 13 13 15 16 18 25 40 40

17.50 17.50 0.00 17.50 0.00 17.50 5.00 22.50 0.00 22.50 0.00 22.50 0.00 22.50 0.00 22.50 0.00 22.50 5.00 27.50 0.00 27.50 0.00 27.50 5.00 32.50 0.00 32.50 5.00 37.50 2.50 40.00 5.00 45.00 17.50 62.50 37.50 100.00 0.00 100.00

361.22 0.00 0.00 138.48 0.00 0.00 0.00 0.00 0.00 15.01 0.00 0.00 15.41 0.00 12.00 0.00 5.71 71.08 9,207.87 0.00 9,826.78

361.22 361.22 361.22 499.71 499.71 499.71 499.71 499.71 499.71 514.72 514.72 514.72 530.13 530.13 542.13 542.13 547.83 618.92 9,826.78 9,826.78

3.68 3.68 29.20 0.00 3.68 0.00 0.00 3.68 0.00 1.41 5.09 11.88 0.00 5.09 0.00 0.00 5.09 0.00 0.00 5.09 0.00 0.00 5.09 0.00 0.00 5.09 0.00 0.15 5.24 2.13 0.00 5.24 0.00 0.00 5.24 0.00 0.16 5.39 0.06 0.00 5.39 0.00 0.12 5.52 0.33 0.00 5.52 0.00 0.06 5.57 0.01 0.72 6.30 0.26 93.70 100.00 130.75 0.00 100.00 0.00

29.20 23.14 14.29 13.53 9.01 7.05 5.95 5.06 4.51 4.37 4.09 3.83 1.41 1.35 1.27 0.82 0.51 0.46 6.90 6.88

6.88

Page 180 of 204

RISK AND LOSS PROFILE 2012 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 2012 09 - DAERAH KHUSUS IBUKOTA JAKARTA

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 17,331 9,238 18,488 16,878 29,281 21,042 19,573 17,956 12,387 7,636 7,392 9,015 7,552 8,875 6,636 8,540 6,208 2,496 2,776 1,123 230,423

17,331 26,569 45,057 61,935 91,216 112,258 131,831 149,787 162,174 169,810 177,202 186,217 193,769 202,644 209,280 217,820 224,028 226,524 229,300 230,423

7.52 7.52 4.01 11.53 8.02 19.55 7.32 26.88 12.71 39.59 9.13 48.72 8.49 57.21 7.79 65.01 5.38 70.38 3.31 73.69 3.21 76.90 3.91 80.82 3.28 84.09 3.85 87.94 2.88 90.82 3.71 94.53 2.69 97.22 1.08 98.31 1.20 99.51 0.49 100.00

25,597.40 2,090.04 5,105.24 7,261.45 19,374.00 19,209.18 22,539.57 26,599.18 23,045.16 15,213.94 15,652.77 21,890.23 21,819.80 32,197.20 32,258.41 50,544.13 44,846.56 28,644.72 48,576.48 34,695.05 497,160.51

25,597.40 27,687.44 32,792.68 40,054.13 59,428.13 78,637.31 101,176.88 127,776.06 150,821.22 166,035.16 181,687.93 203,578.16 225,397.97 257,595.17 289,853.58 340,397.70 385,244.26 413,888.98 462,465.47 497,160.51

5.15 5.15 0.42 5.57 1.03 6.60 1.46 8.06 3.90 11.95 3.86 15.82 4.53 20.35 5.35 25.70 4.64 30.34 3.06 33.40 3.15 36.55 4.40 40.95 4.39 45.34 6.48 51.81 6.49 58.30 10.17 68.47 9.02 77.49 5.76 83.25 9.77 93.02 6.98 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 88 8 28 14 30 8 25 24 23 8 17 4 19 16 13 34 37 18 49 56 519

88 96 124 138 168 176 201 225 248 256 273 277 296 312 325 359 396 414 463 519

16.96 16.96 1.54 18.50 5.39 23.89 2.70 26.59 5.78 32.37 1.54 33.91 4.82 38.73 4.62 43.35 4.43 47.78 1.54 49.33 3.28 52.60 0.77 53.37 3.66 57.03 3.08 60.12 2.50 62.62 6.55 69.17 7.13 76.30 3.47 79.77 9.44 89.21 10.79 100.00

9,926.34 81.61 519.69 699.98 1,828.93 123.38 1,530.40 275.04 597.07 65.21 2,884.82 30.35 534.25 45.65 7,062.34 3,053.78 3,669.35 1,042.63 1,816.10 6,142.92 41,929.83

9,926.34 10,007.95 10,527.64 11,227.63 13,056.56 13,179.94 14,710.33 14,985.37 15,582.44 15,647.65 18,532.46 18,562.82 19,097.06 19,142.71 26,205.05 29,258.83 32,928.18 33,970.81 35,786.91 41,929.83

23.67 23.67 0.19 23.87 1.24 25.11 1.67 26.78 4.36 31.14 0.29 31.43 3.65 35.08 0.66 35.74 1.42 37.16 0.16 37.32 6.88 44.20 0.07 44.27 1.27 45.55 0.11 45.65 16.84 62.50 7.28 69.78 8.75 78.53 2.49 81.02 4.33 85.35 14.65 100.00

38.78 3.90 10.18 9.64 9.44 0.64 6.79 1.03 2.59 0.43 18.43 0.14 2.45 0.14 21.89 6.04 8.18 3.64 3.74 17.71

38.78 36.15 32.10 28.03 21.97 16.76 14.54 11.73 10.33 9.42 10.20 9.12 8.47 7.43 9.04 8.60 8.55 8.21 7.74 8.43

8.43

Page 181 of 204

RISK AND LOSS PROFILE 2012 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 2012 10 - JAWA BARAT

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 21,893 19,697 27,242 16,881 19,701 11,407 8,783 8,290 5,158 3,167 2,887 3,517 2,722 3,600 2,600 4,195 3,701 1,697 2,287 812 170,237

21,893 41,590 68,832 85,713 105,414 116,821 125,604 133,894 139,052 142,219 145,106 148,623 151,345 154,945 157,545 161,740 165,441 167,138 169,425 170,237

12.86 12.86 11.57 24.43 16.00 40.43 9.92 50.35 11.57 61.92 6.70 68.62 5.16 73.78 4.87 78.65 3.03 81.68 1.86 83.54 1.70 85.24 2.07 87.30 1.60 88.90 2.11 91.02 1.53 92.54 2.46 95.01 2.17 97.18 1.00 98.18 1.34 99.52 0.48 100.00

12,517.17 2,592.99 6,802.68 6,992.51 12,713.49 11,200.78 12,053.74 14,587.36 11,034.59 8,138.06 8,016.38 11,772.86 10,198.58 18,274.70 15,773.17 38,337.37 44,122.32 25,977.06 29,779.97 13,349.52 314,235.31

12,517.17 15,110.16 21,912.84 28,905.35 41,618.84 52,819.62 64,873.36 79,460.72 90,495.32 98,633.38 106,649.76 118,422.62 128,621.20 146,895.90 162,669.06 201,006.44 245,128.76 271,105.82 300,885.79 314,235.31

3.98 3.98 0.83 4.81 2.16 6.97 2.23 9.20 4.05 13.24 3.56 16.81 3.84 20.64 4.64 25.29 3.51 28.80 2.59 31.39 2.55 33.94 3.75 37.69 3.25 40.93 5.82 46.75 5.02 51.77 12.20 63.97 14.04 78.01 8.27 86.27 9.48 95.75 4.25 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 25 4 6 12 12 18 12 8 4 3 4 8 6 13 11 23 25 14 45 42 295

25 29 35 47 59 77 89 97 101 104 108 116 122 135 146 169 194 208 253 295

8.47 8.47 1.36 9.83 2.03 11.86 4.07 15.93 4.07 20.00 6.10 26.10 4.07 30.17 2.71 32.88 1.36 34.24 1.02 35.25 1.36 36.61 2.71 39.32 2.03 41.36 4.41 45.76 3.73 49.49 7.80 57.29 8.47 65.76 4.75 70.51 15.25 85.76 14.24 100.00

500.83 103.33 4.84 326.73 347.11 954.85 122.20 125.49 346.58 5.70 526.89 42.82 58.47 144.25 54.61 7,999.43 374.08 1,187.67 12,029.08 14,177.03 39,432.00

500.83 604.16 609.00 935.73 1,282.85 2,237.70 2,359.90 2,485.39 2,831.97 2,837.67 3,364.56 3,407.38 3,465.85 3,610.10 3,664.71 11,664.14 12,038.22 13,225.89 25,254.97 39,432.00

1.27 1.27 4.00 0.26 1.53 3.99 0.01 1.54 0.07 0.83 2.37 4.67 0.88 3.25 2.73 2.42 5.67 8.52 0.31 5.98 1.01 0.32 6.30 0.86 0.88 7.18 3.14 0.01 7.20 0.07 1.34 8.53 6.57 0.11 8.64 0.36 0.15 8.79 0.57 0.37 9.16 0.79 0.14 9.29 0.35 20.29 29.58 20.87 0.95 30.53 0.85 3.01 33.54 4.57 30.51 64.05 40.39 35.95 100.00 106.20

4.00 4.00 2.78 3.24 3.08 4.24 3.64 3.13 3.13 2.88 3.15 2.88 2.69 2.46 2.25 5.80 4.91 4.88 8.39 12.55

12.55

Page 182 of 204

RISK AND LOSS PROFILE 2012 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

: : :

TOTAL FR, IAR, LOP, EQ 2012 11 - JAWA TENGAH

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

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

25 20,566 20,566 75 16,037 36,603 150 16,735 53,338 250 8,233 61,571 400 8,711 70,282 625 4,972 75,254 875 3,535 78,789 1,250 3,474 82,263 1,750 2,152 84,415 2,250 1,458 85,873 2,750 1,149 87,022 3,500 1,414 88,436 4,500 1,142 89,578 6,250 1,527 91,105 8,750 1,064 92,169 15,000 1,709 93,878 35,000 1,329 95,207 75,000 583 95,790 300,000 597 96,387 221 96,608 96,608

21.29 21.29 16.60 37.89 17.32 55.21 8.52 63.73 9.02 72.75 5.15 77.90 3.66 81.56 3.60 85.15 2.23 87.38 1.51 88.89 1.19 90.08 1.46 91.54 1.18 92.72 1.58 94.30 1.10 95.41 1.77 97.17 1.38 98.55 0.60 99.15 0.62 99.77 0.23 100.00

4,830.64 1,896.13 3,963.62 3,617.13 6,444.26 5,768.34 5,289.18 6,785.24 4,932.41 4,063.26 3,600.53 5,746.37 5,280.54 9,502.03 7,596.16 14,783.54 14,866.18 8,089.50 10,734.70 3,269.59 131,059.34

4,830.64 6,726.77 10,690.39 14,307.51 20,751.77 26,520.11 31,809.29 38,594.52 43,526.93 47,590.19 51,190.73 56,937.10 62,217.64 71,719.68 79,315.83 94,099.37 108,965.55 117,055.05 127,789.75 131,059.34

3.69 3.69 1.45 5.13 3.02 8.16 2.76 10.92 4.92 15.83 4.40 20.24 4.04 24.27 5.18 29.45 3.76 33.21 3.10 36.31 2.75 39.06 4.38 43.44 4.03 47.47 7.25 54.72 5.80 60.52 11.28 71.80 11.34 83.14 6.17 89.31 8.19 97.51 2.49 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 6 2 8 2 2 1 6 8 2 0 6 0 0 5 4 10 7 3 2 2 76

6 8 16 18 20 21 27 35 37 37 43 43 43 48 52 62 69 72 74 76

7.89 7.89 2.63 10.53 10.53 21.05 2.63 23.68 2.63 26.32 1.32 27.63 7.89 35.53 10.53 46.05 2.63 48.68 0.00 48.68 7.89 56.58 0.00 56.58 0.00 56.58 6.58 63.16 5.26 68.42 13.16 81.58 9.21 90.79 3.95 94.74 2.63 97.37 2.63 100.00

0.43 3.88 59.18 45.00 11.05 0.00 1,039.08 44.10 27.99 0.00 52.39 0.00 0.00 14.82 19.92 315.40 30.17 345.15 0.31 2.52 2,011.38

0.43 4.30 63.49 108.49 119.53 119.53 1,158.61 1,202.71 1,230.70 1,230.70 1,283.09 1,283.09 1,283.09 1,297.91 1,317.83 1,633.22 1,663.40 2,008.55 2,008.86 2,011.38

0.02 0.02 0.19 0.21 2.94 3.16 2.24 5.39 0.55 5.94 0.00 5.94 51.66 57.60 2.19 59.80 1.39 61.19 0.00 61.19 2.60 63.79 0.00 63.79 0.00 63.79 0.74 64.53 0.99 65.52 15.68 81.20 1.50 82.70 17.16 99.86 0.02 99.87 0.13 100.00

0.01 0.20 1.49 1.24 0.17 0.00 19.65 0.65 0.57 0.00 1.46 0.00 0.00 0.16 0.26 2.13 0.20 4.27 0.00 0.08

0.01 0.06 0.59 0.76 0.58 0.45 3.64 3.12 2.83 2.59 2.51 2.25 2.06 1.81 1.66 1.74 1.53 1.72 1.57 1.53

1.53

Page 183 of 204

RISK AND LOSS PROFILE 2012 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 2012 12 - DAERAH ISTIMEWA YOGYAKARTA

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,816 1,354 1,724 1,025 1,216 707 625 553 359 193 170 206 151 201 120 212 120 39 16 3 10,810

1,816 3,170 4,894 5,919 7,135 7,842 8,467 9,020 9,379 9,572 9,742 9,948 10,099 10,300 10,420 10,632 10,752 10,791 10,807 10,810

16.80 16.80 12.53 29.32 15.95 45.27 9.48 54.75 11.25 66.00 6.54 72.54 5.78 78.33 5.12 83.44 3.32 86.76 1.79 88.55 1.57 90.12 1.91 92.03 1.40 93.42 1.86 95.28 1.11 96.39 1.96 98.35 1.11 99.46 0.36 99.82 0.15 99.97 0.03 100.00

527.98 183.56 386.59 385.96 855.04 802.08 752.07 968.80 839.52 658.86 545.59 857.33 577.13 941.52 582.12 1,594.92 1,055.10 514.63 275.01 50.84 13,354.66

527.98 711.54 1,098.13 1,484.10 2,339.13 3,141.21 3,893.29 4,862.08 5,701.61 6,360.47 6,906.05 7,763.38 8,340.51 9,282.04 9,864.16 11,459.07 12,514.17 13,028.81 13,303.82 13,354.66

3.95 3.95 1.37 5.33 2.89 8.22 2.89 11.11 6.40 17.52 6.01 23.52 5.63 29.15 7.25 36.41 6.29 42.69 4.93 47.63 4.09 51.71 6.42 58.13 4.32 62.45 7.05 69.50 4.36 73.86 11.94 85.81 7.90 93.71 3.85 97.56 2.06 99.62 0.38 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 2 3 0 2 0 0 0 1 0 0 2 0 0 0 0 0 0 0 0 0 10

2 5 5 7 7 7 7 8 8 8 10 10 10 10 10 10 10 10 10 10

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

20.00 50.00 50.00 70.00 70.00 70.00 70.00 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

55.60 1,246.05 0.00 4.76 0.00 0.00 0.00 0.00 0.00 0.00 55.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,361.77

55.60 1,301.66 1,301.66 1,306.42 1,306.42 1,306.42 1,306.42 1,306.42 1,306.42 1,306.42 1,361.77 1,361.77 1,361.77 1,361.77 1,361.77 1,361.77 1,361.77 1,361.77 1,361.77 1,361.77

4.08 91.50 0.00 0.35 0.00 0.00 0.00 0.00 0.00 0.00 4.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4.08 10.53 10.53 95.59 678.83 182.93 95.59 0.00 118.53 95.94 1.23 88.03 95.94 0.00 55.85 95.94 0.00 41.59 95.94 0.00 33.56 95.94 0.00 26.87 95.94 0.00 22.91 95.94 0.00 20.54 100.00 10.15 19.72 100.00 0.00 17.54 100.00 0.00 16.33 100.00 0.00 14.67 100.00 0.00 13.81 100.00 0.00 11.88 100.00 0.00 10.88 100.00 0.00 10.45 100.00 0.00 10.24 100.00 0.00 10.20 10.20

Page 184 of 204

RISK AND LOSS PROFILE 2012 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 2012 13 - JAWA TIMUR

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 16,644 12,459 19,465 11,729 14,382 9,234 7,054 6,698 4,299 2,460 2,084 2,687 1,994 2,598 1,814 2,894 2,326 1,059 1,283 510 123,673

16,644 29,103 48,568 60,297 74,679 83,913 90,967 97,665 101,964 104,424 106,508 109,195 111,189 113,787 115,601 118,495 120,821 121,880 123,163 123,673

13.46 13.46 10.07 23.53 15.74 39.27 9.48 48.76 11.63 60.38 7.47 67.85 5.70 73.55 5.42 78.97 3.48 82.45 1.99 84.44 1.69 86.12 2.17 88.29 1.61 89.91 2.10 92.01 1.47 93.47 2.34 95.81 1.88 97.69 0.86 98.55 1.04 99.59 0.41 100.00

9,206.09 1,675.21 4,441.92 4,825.44 8,636.52 8,969.96 9,231.54 12,206.06 10,188.27 6,933.18 6,973.37 11,325.81 8,530.80 14,416.56 13,817.74 32,348.80 28,189.46 13,903.00 18,101.67 7,368.63 231,290.03

9,206.09 10,881.30 15,323.21 20,148.65 28,785.17 37,755.14 46,986.68 59,192.74 69,381.01 76,314.19 83,287.56 94,613.37 103,144.17 117,560.73 131,378.47 163,727.27 191,916.73 205,819.73 223,921.40 231,290.03

3.98 3.98 0.72 4.70 1.92 6.63 2.09 8.71 3.73 12.45 3.88 16.32 3.99 20.32 5.28 25.59 4.40 30.00 3.00 33.00 3.01 36.01 4.90 40.91 3.69 44.60 6.23 50.83 5.97 56.80 13.99 70.79 12.19 82.98 6.01 88.99 7.83 96.81 3.19 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 21 0 1 2 3 7 4 8 0 16 4 6 3 17 28 21 26 16 12 6 201

21 21 22 24 27 34 38 46 46 62 66 72 75 92 120 141 167 183 195 201

10.45 10.45 0.00 10.45 0.50 10.95 1.00 11.94 1.49 13.43 3.48 16.92 1.99 18.91 3.98 22.89 0.00 22.89 7.96 30.85 1.99 32.84 2.99 35.82 1.49 37.31 8.46 45.77 13.93 59.70 10.45 70.15 12.94 83.08 7.96 91.04 5.97 97.01 2.99 100.00

2,101.11 0.00 0.00 21.15 247.18 191.22 64.92 88.28 0.00 1,827.59 10.40 152.88 26.30 26.55 640.45 594.22 2,557.30 2,004.83 76.48 29.36 10,660.22

2,101.11 2,101.11 2,101.11 2,122.26 2,369.44 2,560.66 2,625.58 2,713.86 2,713.86 4,541.45 4,551.85 4,704.72 4,731.02 4,757.57 5,398.02 5,992.25 8,549.55 10,554.38 10,630.86 10,660.22

19.71 19.71 0.00 19.71 0.00 19.71 0.20 19.91 2.32 22.23 1.79 24.02 0.61 24.63 0.83 25.46 0.00 25.46 17.14 42.60 0.10 42.70 1.43 44.13 0.25 44.38 0.25 44.63 6.01 50.64 5.57 56.21 23.99 80.20 18.81 99.01 0.72 99.72 0.28 100.00

22.82 0.00 0.00 0.44 2.86 2.13 0.70 0.72 0.00 26.36 0.15 1.35 0.31 0.18 4.63 1.84 9.07 14.42 0.42 0.40

22.82 19.31 13.71 10.53 8.23 6.78 5.59 4.58 3.91 5.95 5.47 4.97 4.59 4.05 4.11 3.66 4.45 5.13 4.75 4.61

4.61

Page 185 of 204

RISK AND LOSS PROFILE 2012 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 2012 14 - KALIMANTAN BARAT

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 6,725 4,607 6,883 3,278 2,847 1,176 1,402 1,194 864 406 352 372 240 302 170 247 166 72 75 19 31,397

6,725 11,332 18,215 21,493 24,340 25,516 26,918 28,112 28,976 29,382 29,734 30,106 30,346 30,648 30,818 31,065 31,231 31,303 31,378 31,397

21.42 21.42 14.67 36.09 21.92 58.02 10.44 68.46 9.07 77.52 3.75 81.27 4.47 85.73 3.80 89.54 2.75 92.29 1.29 93.58 1.12 94.70 1.18 95.89 0.76 96.65 0.96 97.61 0.54 98.16 0.79 98.94 0.53 99.47 0.23 99.70 0.24 99.94 0.06 100.00

3,713.87 1,880.78 5,123.70 4,342.54 5,726.92 3,110.13 21,986.71 2,565.09 2,091.77 1,050.47 1,281.23 1,484.86 1,235.16 1,510.32 1,150.14 2,318.10 1,917.56 860.11 1,115.33 191.09 64,655.88

3,713.87 5,594.64 10,718.34 15,060.89 20,787.81 23,897.93 45,884.64 48,449.73 50,541.50 51,591.97 52,873.20 54,358.06 55,593.21 57,103.53 58,253.67 60,571.78 62,489.34 63,349.45 64,464.79 64,655.88

5.74 5.74 2.91 8.65 7.92 16.58 6.72 23.29 8.86 32.15 4.81 36.96 34.01 70.97 3.97 74.93 3.24 78.17 1.62 79.79 1.98 81.78 2.30 84.07 1.91 85.98 2.34 88.32 1.78 90.10 3.59 93.68 2.97 96.65 1.33 97.98 1.73 99.70 0.30 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 7 3 5 10 5 0 0 0 2 0 0 2 4 2 0 2 3 0 4 0 49

7 10 15 25 30 30 30 30 32 32 32 34 38 40 40 42 45 45 49 49

14.29 14.29 6.12 20.41 10.20 30.61 20.41 51.02 10.20 61.22 0.00 61.22 0.00 61.22 0.00 61.22 4.08 65.31 0.00 65.31 0.00 65.31 4.08 69.39 8.16 77.55 4.08 81.63 0.00 81.63 4.08 85.71 6.12 91.84 0.00 91.84 8.16 100.00 0.00 100.00

281.08 84.98 253.20 942.08 622.21 0.00 0.00 0.00 4.35 0.00 0.00 91.49 35.24 157.02 0.00 3.75 26.15 0.00 189.69 0.00 2,691.24

281.08 366.06 619.26 1,561.34 2,183.55 2,183.55 2,183.55 2,183.55 2,187.90 2,187.90 2,187.90 2,279.39 2,314.63 2,471.65 2,471.65 2,475.40 2,501.55 2,501.55 2,691.24 2,691.24

10.44 10.44 3.16 13.60 9.41 23.01 35.01 58.02 23.12 81.14 0.00 81.14 0.00 81.14 0.00 81.14 0.16 81.30 0.00 81.30 0.00 81.30 3.40 84.70 1.31 86.01 5.83 91.84 0.00 91.84 0.14 91.98 0.97 92.95 0.00 92.95 7.05 100.00 0.00 100.00

7.57 4.52 4.94 21.69 10.86 0.00 0.00 0.00 0.21 0.00 0.00 6.16 2.85 10.40 0.00 0.16 1.36 0.00 17.01 0.00

7.57 6.54 5.78 10.37 10.50 9.14 4.76 4.51 4.33 4.24 4.14 4.19 4.16 4.33 4.24 4.09 4.00 3.95 4.17 4.16

4.16

Page 186 of 204

RISK AND LOSS PROFILE 2012 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 2012 15 - KALIMANTAN TENGAH

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,116 1,122 1,500 780 885 381 301 232 125 94 64 85 56 62 55 70 78 28 62 8 7,104

1,116 2,238 3,738 4,518 5,403 5,784 6,085 6,317 6,442 6,536 6,600 6,685 6,741 6,803 6,858 6,928 7,006 7,034 7,096 7,104

15.71 15.71 15.79 31.50 21.11 52.62 10.98 63.60 12.46 76.06 5.36 81.42 4.24 85.66 3.27 88.92 1.76 90.68 1.32 92.00 0.90 92.91 1.20 94.10 0.79 94.89 0.87 95.76 0.77 96.54 0.99 97.52 1.10 98.62 0.39 99.01 0.87 99.89 0.11 100.00

283.29 240.87 649.95 620.22 1,061.48 705.39 695.87 713.69 402.47 24,294.39 321.74 347.11 23,942.28 346.12 1,031.48 661.27 3,911.84 467.69 606.88 76.10 61,380.13

283.29 524.15 1,174.10 1,794.33 2,855.81 3,561.20 4,257.07 4,970.76 5,373.23 29,667.63 29,989.37 30,336.47 54,278.75 54,624.87 55,656.35 56,317.62 60,229.45 60,697.14 61,304.03 61,380.13

0.46 0.46 0.39 0.85 1.06 1.91 1.01 2.92 1.73 4.65 1.15 5.80 1.13 6.94 1.16 8.10 0.66 8.75 39.58 48.33 0.52 48.86 0.57 49.42 39.01 88.43 0.56 88.99 1.68 90.67 1.08 91.75 6.37 98.13 0.76 98.89 0.99 99.88 0.12 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 2 0 0 3 1 0 0 0 0 0 0 0 0 0 0 1 1 1 0 9

0 2 2 2 5 6 6 6 6 6 6 6 6 6 6 6 7 8 9 9

0.00 0.00 22.22 22.22 0.00 22.22 0.00 22.22 33.33 55.56 11.11 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 0.00 66.67 11.11 77.78 11.11 88.89 11.11 100.00 0.00 100.00

0.00 79.35 0.00 0.00 208.44 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 0.00 287.79

0.00 79.35 79.35 79.35 287.79 287.79 287.79 287.79 287.79 287.79 287.79 287.79 287.79 287.79 287.79 287.79 287.79 287.79 287.79 287.79

0.00 27.57 0.00 0.00 72.43 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 27.57 27.57 27.57 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 32.94 0.00 0.00 19.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 15.14 6.76 4.42 10.08 8.08 6.76 5.79 5.36 0.97 0.96 0.95 0.53 0.53 0.52 0.51 0.48 0.47 0.47 0.47

0.47

Page 187 of 204

RISK AND LOSS PROFILE 2012 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 2012 16 - KALIMANTAN SELATAN

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,351 2,695 3,820 2,034 1,899 1,002 685 623 347 250 176 186 170 240 200 260 226 89 69 56 17,378

2,351 5,046 8,866 10,900 12,799 13,801 14,486 15,109 15,456 15,706 15,882 16,068 16,238 16,478 16,678 16,938 17,164 17,253 17,322 17,378

13.53 13.53 15.51 29.04 21.98 51.02 11.70 62.72 10.93 73.65 5.77 79.42 3.94 83.36 3.58 86.94 2.00 88.94 1.44 90.38 1.01 91.39 1.07 92.46 0.98 93.44 1.38 94.82 1.15 95.97 1.50 97.47 1.30 98.77 0.51 99.28 0.40 99.68 0.32 100.00

577.91 417.66 974.50 962.95 1,366.29 1,193.46 1,205.01 1,321.29 1,010.83 740.23 601.96 801.64 732.11 1,067.65 1,167.76 2,248.93 5,469.52 1,101.52 1,236.77 1,588.02 25,786.01

577.91 995.57 1,970.07 2,933.02 4,299.31 5,492.77 6,697.78 8,019.08 9,029.91 9,770.14 10,372.10 11,173.73 11,905.85 12,973.50 14,141.25 16,390.18 21,859.70 22,961.22 24,198.00 25,786.01

2.24 2.24 1.62 3.86 3.78 7.64 3.73 11.37 5.30 16.67 4.63 21.30 4.67 25.97 5.12 31.10 3.92 35.02 2.87 37.89 2.33 40.22 3.11 43.33 2.84 46.17 4.14 50.31 4.53 54.84 8.72 63.56 21.21 84.77 4.27 89.05 4.80 93.84 6.16 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 3 0 2 0 0 2 0 0 0 1 0 0 2 2 0 0 0 0 0 0 12

3 3 5 5 5 7 7 7 7 8 8 8 10 12 12 12 12 12 12 12

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

25.00 25.00 41.67 41.67 41.67 58.33 58.33 58.33 58.33 66.67 66.67 66.67 83.33 100.00 100.00 100.00 100.00 100.00 100.00 100.00

42.50 0.00 146.88 0.00 0.00 456.77 0.00 0.00 0.00 0.00 0.00 0.00 22.29 20.30 0.00 0.00 0.00 0.00 0.00 0.00 688.74

42.50 42.50 189.38 189.38 189.38 646.15 646.15 646.15 646.15 646.15 646.15 646.15 668.44 688.74 688.74 688.74 688.74 688.74 688.74 688.74

6.17 0.00 21.33 0.00 0.00 66.32 0.00 0.00 0.00 0.00 0.00 0.00 3.24 2.95 0.00 0.00 0.00 0.00 0.00 0.00

6.17 6.17 27.50 27.50 27.50 93.82 93.82 93.82 93.82 93.82 93.82 93.82 97.05 100.00 100.00 100.00 100.00 100.00 100.00 100.00

7.35 0.00 15.07 0.00 0.00 38.27 0.00 0.00 0.00 0.00 0.00 0.00 3.04 1.90 0.00 0.00 0.00 0.00 0.00 0.00

7.35 4.27 9.61 6.46 4.40 11.76 9.65 8.06 7.16 6.61 6.23 5.78 5.61 5.31 4.87 4.20 3.15 3.00 2.85 2.67

2.67

Page 188 of 204

RISK AND LOSS PROFILE 2012 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 2012 17 - KALIMANTAN TIMUR

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2,771 2,182 3,995 2,876 3,638 2,084 1,586 1,451 870 543 440 511 464 560 355 504 384 165 163 72 25,614

2,771 4,953 8,948 11,824 15,462 17,546 19,132 20,583 21,453 21,996 22,436 22,947 23,411 23,971 24,326 24,830 25,214 25,379 25,542 25,614

10.82 10.82 8.52 19.34 15.60 34.93 11.23 46.16 14.20 60.37 8.14 68.50 6.19 74.69 5.66 80.36 3.40 83.75 2.12 85.87 1.72 87.59 2.00 89.59 1.81 91.40 2.19 93.59 1.39 94.97 1.97 96.94 1.50 98.44 0.64 99.08 0.64 99.72 0.28 100.00

3,308.09 587.33 1,699.68 1,873.45 3,627.94 3,222.55 3,330.23 3,920.59 2,744.99 1,790.05 1,591.29 3,252.26 2,132.16 2,819.24 1,895.41 18,846.95 3,705.47 2,184.73 2,135.56 2,997.63 67,665.61

3,308.09 3,895.42 5,595.10 7,468.55 11,096.49 14,319.04 17,649.27 21,569.86 24,314.85 26,104.90 27,696.19 30,948.45 33,080.61 35,899.85 37,795.27 56,642.22 60,347.68 62,532.41 64,667.97 67,665.61

4.89 4.89 0.87 5.76 2.51 8.27 2.77 11.04 5.36 16.40 4.76 21.16 4.92 26.08 5.79 31.88 4.06 35.93 2.65 38.58 2.35 40.93 4.81 45.74 3.15 48.89 4.17 53.05 2.80 55.86 27.85 83.71 5.48 89.19 3.23 92.41 3.16 95.57 4.43 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 9 1 2 0 4 0 5 2 0 0 0 0 2 2 2 0 2 0 0 2 33

9 10 12 12 16 16 21 23 23 23 23 23 25 27 29 29 31 31 31 33

27.27 27.27 3.03 30.30 6.06 36.36 0.00 36.36 12.12 48.48 0.00 48.48 15.15 63.64 6.06 69.70 0.00 69.70 0.00 69.70 0.00 69.70 0.00 69.70 6.06 75.76 6.06 81.82 6.06 87.88 0.00 87.88 6.06 93.94 0.00 93.94 0.00 93.94 6.06 100.00

431.43 0.00 33.96 0.00 275.98 0.00 511.70 43.64 0.00 0.00 0.00 0.00 5.73 367.27 55.09 0.00 14.25 0.00 0.00 155.75 1,894.80

431.43 431.43 465.39 465.39 741.37 741.37 1,253.07 1,296.71 1,296.71 1,296.71 1,296.71 1,296.71 1,302.44 1,669.71 1,724.80 1,724.80 1,739.05 1,739.05 1,739.05 1,894.80

22.77 22.77 0.00 22.77 1.79 24.56 0.00 24.56 14.57 39.13 0.00 39.13 27.01 66.13 2.30 68.44 0.00 68.44 0.00 68.44 0.00 68.44 0.00 68.44 0.30 68.74 19.38 88.12 2.91 91.03 0.00 91.03 0.75 91.78 0.00 91.78 0.00 91.78 8.22 100.00

13.04 0.00 2.00 0.00 7.61 0.00 15.37 1.11 0.00 0.00 0.00 0.00 0.27 13.03 2.91 0.00 0.38 0.00 0.00 5.20

13.04 11.08 8.32 6.23 6.68 5.18 7.10 6.01 5.33 4.97 4.68 4.19 3.94 4.65 4.56 3.05 2.88 2.78 2.69 2.80

2.80

Page 189 of 204

RISK AND LOSS PROFILE 2012 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 2012 18 - SULAWESI UTARA

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,275 1,242 2,218 1,799 2,019 1,207 889 781 456 240 200 233 161 187 109 198 115 35 14 7 13,385

1,275 2,517 4,735 6,534 8,553 9,760 10,649 11,430 11,886 12,126 12,326 12,559 12,720 12,907 13,016 13,214 13,329 13,364 13,378 13,385

9.53 9.53 9.28 18.80 16.57 35.38 13.44 48.82 15.08 63.90 9.02 72.92 6.64 79.56 5.83 85.39 3.41 88.80 1.79 90.59 1.49 92.09 1.74 93.83 1.20 95.03 1.40 96.43 0.81 97.24 1.48 98.72 0.86 99.58 0.26 99.84 0.10 99.95 0.05 100.00

836.23 200.53 688.80 826.91 1,454.55 1,448.19 1,684.75 1,922.57 1,569.07 976.89 1,012.71 1,224.20 880.93 1,229.44 765.45 1,945.40 1,416.67 577.60 326.27 3,349.52 24,336.65

836.23 1,036.75 1,725.55 2,552.46 4,007.01 5,455.20 7,139.95 9,062.52 10,631.59 11,608.47 12,621.19 13,845.39 14,726.32 15,955.75 16,721.20 18,666.59 20,083.26 20,660.86 20,987.13 24,336.65

3.44 3.44 0.82 4.26 2.83 7.09 3.40 10.49 5.98 16.46 5.95 22.42 6.92 29.34 7.90 37.24 6.45 43.69 4.01 47.70 4.16 51.86 5.03 56.89 3.62 60.51 5.05 65.56 3.15 68.71 7.99 76.70 5.82 82.52 2.37 84.90 1.34 86.24 13.76 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 2 2 2 2 0 0 3 0 3 0 0 0 0 0 4 0 0 0 0 0 18

2 4 6 8 8 8 11 11 14 14 14 14 14 14 18 18 18 18 18 18

11.11 11.11 11.11 11.11 0.00 0.00 16.67 0.00 16.67 0.00 0.00 0.00 0.00 0.00 22.22 0.00 0.00 0.00 0.00 0.00

11.11 22.22 33.33 44.44 44.44 44.44 61.11 61.11 77.78 77.78 77.78 77.78 77.78 77.78 100.00 100.00 100.00 100.00 100.00 100.00

15.60 52.00 145.00 27.00 0.00 0.00 672.66 0.00 1,119.45 0.00 0.00 0.00 0.00 0.00 37.03 0.00 0.00 0.00 0.00 0.00 2,068.74

15.60 67.60 212.60 239.60 239.60 239.60 912.27 912.27 2,031.71 2,031.71 2,031.71 2,031.71 2,031.71 2,031.71 2,068.74 2,068.74 2,068.74 2,068.74 2,068.74 2,068.74

0.75 2.51 7.01 1.31 0.00 0.00 32.52 0.00 54.11 0.00 0.00 0.00 0.00 0.00 1.79 0.00 0.00 0.00 0.00 0.00

0.75 3.27 10.28 11.58 11.58 11.58 44.10 44.10 98.21 98.21 98.21 98.21 98.21 98.21 100.00 100.00 100.00 100.00 100.00 100.00

1.87 25.93 21.05 3.27 0.00 0.00 39.93 0.00 71.34 0.00 0.00 0.00 0.00 0.00 4.84 0.00 0.00 0.00 0.00 0.00

1.87 6.52 12.32 9.39 5.98 4.39 12.78 10.07 19.11 17.50 16.10 14.67 13.80 12.73 12.37 11.08 10.30 10.01 9.86 8.50

8.50

Page 190 of 204

RISK AND LOSS PROFILE 2012 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 2012 19 - SULAWESI TENGAH

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,178 871 1,174 814 927 482 270 247 167 103 66 72 49 57 38 53 29 13 12 2 6,624

1,178 2,049 3,223 4,037 4,964 5,446 5,716 5,963 6,130 6,233 6,299 6,371 6,420 6,477 6,515 6,568 6,597 6,610 6,622 6,624

17.78 17.78 13.15 30.93 17.72 48.66 12.29 60.95 13.99 74.94 7.28 82.22 4.08 86.29 3.73 90.02 2.52 92.54 1.55 94.10 1.00 95.09 1.09 96.18 0.74 96.92 0.86 97.78 0.57 98.35 0.80 99.15 0.44 99.59 0.20 99.79 0.18 99.97 0.03 100.00

246.24 160.63 430.47 561.13 1,071.28 855.31 749.24 901.02 596.90 471.01 316.49 403.08 331.16 366.48 317.39 520.84 515.72 125.14 189.53 67.68 9,196.76

246.24 406.87 837.34 1,398.47 2,469.75 3,325.06 4,074.30 4,975.32 5,572.23 6,043.24 6,359.73 6,762.81 7,093.97 7,460.45 7,777.84 8,298.69 8,814.41 8,939.55 9,129.08 9,196.76

2.68 2.68 1.75 4.42 4.68 9.10 6.10 15.21 11.65 26.85 9.30 36.15 8.15 44.30 9.80 54.10 6.49 60.59 5.12 65.71 3.44 69.15 4.38 73.53 3.60 77.14 3.98 81.12 3.45 84.57 5.66 90.23 5.61 95.84 1.36 97.20 2.06 99.26 0.74 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 191 of 204

RISK AND LOSS PROFILE 2012 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 2012 20 - SULAWESI SELATAN

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,619 4,610 6,906 4,144 4,452 2,380 1,442 1,319 743 429 320 355 285 326 219 279 252 76 92 18 33,266

4,619 9,229 16,135 20,279 24,731 27,111 28,553 29,872 30,615 31,044 31,364 31,719 32,004 32,330 32,549 32,828 33,080 33,156 33,248 33,266

13.89 13.89 13.86 27.74 20.76 48.50 12.46 60.96 13.38 74.34 7.15 81.50 4.33 85.83 3.97 89.80 2.23 92.03 1.29 93.32 0.96 94.28 1.07 95.35 0.86 96.21 0.98 97.19 0.66 97.84 0.84 98.68 0.76 99.44 0.23 99.67 0.28 99.95 0.05 100.00

1,451.45 625.70 1,768.33 2,175.39 4,108.86 3,478.56 3,083.66 3,333.39 2,716.68 2,004.15 1,621.95 2,046.32 2,242.81 2,767.60 1,963.23 4,402.76 3,131.96 1,238.17 1,564.53 873.14 46,598.63

1,451.45 2,077.15 3,845.48 6,020.87 10,129.72 13,608.28 16,691.95 20,025.34 22,742.02 24,746.18 26,368.12 28,414.45 30,657.26 33,424.86 35,388.09 39,790.84 42,922.80 44,160.97 45,725.50 46,598.63

3.11 3.11 1.34 4.46 3.79 8.25 4.67 12.92 8.82 21.74 7.46 29.20 6.62 35.82 7.15 42.97 5.83 48.80 4.30 53.10 3.48 56.59 4.39 60.98 4.81 65.79 5.94 71.73 4.21 75.94 9.45 85.39 6.72 92.11 2.66 94.77 3.36 98.13 1.87 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 3 2 4 0 4 0 0 2 0 1 0 0 0 0 0 0 0 0 0 0 16

3 5 9 9 13 13 13 15 15 16 16 16 16 16 16 16 16 16 16 16

18.75 12.50 25.00 0.00 25.00 0.00 0.00 12.50 0.00 6.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

18.75 31.25 56.25 56.25 81.25 81.25 81.25 93.75 93.75 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

4.50 20.00 66.00 0.00 60.30 0.00 0.00 30.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 180.80

4.50 24.50 90.50 90.50 150.80 150.80 150.80 180.80 180.80 180.80 180.80 180.80 180.80 180.80 180.80 180.80 180.80 180.80 180.80 180.80

2.49 11.06 36.51 0.00 33.35 0.00 0.00 16.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2.49 13.55 50.06 50.06 83.41 83.41 83.41 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.31 3.20 3.73 0.00 1.47 0.00 0.00 0.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.31 1.18 2.35 1.50 1.49 1.11 0.90 0.90 0.80 0.73 0.69 0.64 0.59 0.54 0.51 0.45 0.42 0.41 0.40 0.39

0.39

Page 192 of 204

RISK AND LOSS PROFILE 2012 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 2012 21 - SULAWESI TENGGARA

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 537 565 864 639 746 417 297 233 109 46 38 57 38 47 29 36 21 6 8 2 4,735

537 1,102 1,966 2,605 3,351 3,768 4,065 4,298 4,407 4,453 4,491 4,548 4,586 4,633 4,662 4,698 4,719 4,725 4,733 4,735

11.34 11.34 11.93 23.27 18.25 41.52 13.50 55.02 15.76 70.77 8.81 79.58 6.27 85.85 4.92 90.77 2.30 93.07 0.97 94.04 0.80 94.85 1.20 96.05 0.80 96.85 0.99 97.85 0.61 98.46 0.76 99.22 0.44 99.66 0.13 99.79 0.17 99.96 0.04 100.00

192.96 80.55 240.35 308.29 741.93 727.44 723.84 839.85 441.38 237.68 211.32 353.89 279.57 334.41 218.62 452.75 352.58 65.18 98.66 36.27 6,937.54

192.96 273.50 513.86 822.15 1,564.08 2,291.52 3,015.36 3,855.21 4,296.59 4,534.27 4,745.59 5,099.48 5,379.06 5,713.47 5,932.09 6,384.84 6,737.42 6,802.60 6,901.26 6,937.54

2.78 2.78 1.16 3.94 3.46 7.41 4.44 11.85 10.69 22.55 10.49 33.03 10.43 43.46 12.11 55.57 6.36 61.93 3.43 65.36 3.05 68.40 5.10 73.51 4.03 77.54 4.82 82.36 3.15 85.51 6.53 92.03 5.08 97.12 0.94 98.06 1.42 99.48 0.52 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 193 of 204

RISK AND LOSS PROFILE 2012 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 2012 22 - BALI

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 4,391 3,082 4,357 2,676 3,416 2,241 2,108 2,022 1,374 940 660 770 491 725 413 554 394 147 159 163 31,083

4,391 7,473 11,830 14,506 17,922 20,163 22,271 24,293 25,667 26,607 27,267 28,037 28,528 29,253 29,666 30,220 30,614 30,761 30,920 31,083

14.13 14.13 9.92 24.04 14.02 38.06 8.61 46.67 10.99 57.66 7.21 64.87 6.78 71.65 6.51 78.16 4.42 82.58 3.02 85.60 2.12 87.72 2.48 90.20 1.58 91.78 2.33 94.11 1.33 95.44 1.78 97.22 1.27 98.49 0.47 98.96 0.51 99.48 0.52 100.00

2,512.26 455.17 1,241.20 1,268.06 2,828.75 2,687.81 3,233.30 4,462.13 4,116.29 3,460.76 2,976.53 4,018.02 3,077.01 5,195.80 3,639.40 6,877.24 5,378.26 2,061.00 2,001.96 8,503.04 69,993.97

2,512.26 2,967.43 4,208.63 5,476.69 8,305.44 10,993.24 14,226.54 18,688.67 22,804.95 26,265.71 29,242.25 33,260.27 36,337.28 41,533.07 45,172.47 52,049.72 57,427.97 59,488.97 61,490.93 69,993.97

3.59 3.59 0.65 4.24 1.77 6.01 1.81 7.82 4.04 11.87 3.84 15.71 4.62 20.33 6.38 26.70 5.88 32.58 4.94 37.53 4.25 41.78 5.74 47.52 4.40 51.91 7.42 59.34 5.20 64.54 9.83 74.36 7.68 82.05 2.94 84.99 2.86 87.85 12.15 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 8 0 5 1 0 0 4 4 2 1 1 0 2 9 3 3 7 2 6 0 58

8 8 13 14 14 14 18 22 24 25 26 26 28 37 40 43 50 52 58 58

13.79 13.79 0.00 13.79 8.62 22.41 1.72 24.14 0.00 24.14 0.00 24.14 6.90 31.03 6.90 37.93 3.45 41.38 1.72 43.10 1.72 44.83 0.00 44.83 3.45 48.28 15.52 63.79 5.17 68.97 5.17 74.14 12.07 86.21 3.45 89.66 10.34 100.00 0.00 100.00

491.26 0.00 19.11 0.00 0.00 0.00 79.63 71.91 16.95 0.00 0.00 0.00 22.77 72.69 9.13 10.95 10.56 1.05 15.08 0.00 821.09

491.26 491.26 510.37 510.37 510.37 510.37 590.00 661.92 678.87 678.87 678.87 678.87 701.64 774.32 783.46 794.41 804.96 806.01 821.09 821.09

59.83 59.83 0.00 59.83 2.33 62.16 0.00 62.16 0.00 62.16 0.00 62.16 9.70 71.86 8.76 80.61 2.06 82.68 0.00 82.68 0.00 82.68 0.00 82.68 2.77 85.45 8.85 94.30 1.11 95.42 1.33 96.75 1.29 98.04 0.13 98.16 1.84 100.00 0.00 100.00

19.55 0.00 1.54 0.00 0.00 0.00 2.46 1.61 0.41 0.00 0.00 0.00 0.74 1.40 0.25 0.16 0.20 0.05 0.75 0.00

19.55 16.55 12.13 9.32 6.15 4.64 4.15 3.54 2.98 2.58 2.32 2.04 1.93 1.86 1.73 1.53 1.40 1.35 1.34 1.17

1.17

Page 194 of 204

RISK AND LOSS PROFILE 2012 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 2012 23 - NUSA TENGGARA BARAT

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 865 1,346 1,476 905 1,002 550 346 359 248 121 137 120 94 135 63 98 67 37 31 2 8,002

865 2,211 3,687 4,592 5,594 6,144 6,490 6,849 7,097 7,218 7,355 7,475 7,569 7,704 7,767 7,865 7,932 7,969 8,000 8,002

10.81 10.81 16.82 27.63 18.45 46.08 11.31 57.39 12.52 69.91 6.87 76.78 4.32 81.10 4.49 85.59 3.10 88.69 1.51 90.20 1.71 91.91 1.50 93.41 1.17 94.59 1.69 96.28 0.79 97.06 1.22 98.29 0.84 99.13 0.46 99.59 0.39 99.98 0.02 100.00

268.34 208.09 525.41 654.95 958.30 770.93 637.53 806.60 870.73 433.51 577.01 559.88 555.50 913.09 466.55 1,070.38 810.91 640.48 577.12 113.94 12,419.25

268.34 476.44 1,001.85 1,656.79 2,615.10 3,386.02 4,023.55 4,830.15 5,700.88 6,134.39 6,711.40 7,271.28 7,826.78 8,739.87 9,206.42 10,276.80 11,087.70 11,728.19 12,305.31 12,419.25

2.16 2.16 1.68 3.84 4.23 8.07 5.27 13.34 7.72 21.06 6.21 27.26 5.13 32.40 6.49 38.89 7.01 45.90 3.49 49.39 4.65 54.04 4.51 58.55 4.47 63.02 7.35 70.37 3.76 74.13 8.62 82.75 6.53 89.28 5.16 94.44 4.65 99.08 0.92 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 2 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 3

0 0 0 2 2 2 2 2 2 2 2 2 2 3 3 3 3 3 3 3

0.00 0.00 0.00 66.67 0.00 0.00 0.00 0.00 0.00 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 66.67 66.67 66.67 66.67 66.67 66.67 66.67 66.67 66.67 66.67 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 14.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.63

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.63 100.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00 14.63 0.00 100.00

0.00 0.00 0.00 2.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.88 0.56 0.43 0.36 0.30 0.26 0.24 0.22 0.20 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.12

0.12

Page 195 of 204

RISK AND LOSS PROFILE 2012 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 2012 24 - NUSA TENGGARA TIMUR

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 416 980 976 604 850 357 325 321 157 116 81 87 40 67 25 47 16 11 8 1 5,485

416 1,396 2,372 2,976 3,826 4,183 4,508 4,829 4,986 5,102 5,183 5,270 5,310 5,377 5,402 5,449 5,465 5,476 5,484 5,485

7.58 7.58 17.87 25.45 17.79 43.25 11.01 54.26 15.50 69.75 6.51 76.26 5.93 82.19 5.85 88.04 2.86 90.90 2.11 93.02 1.48 94.49 1.59 96.08 0.73 96.81 1.22 98.03 0.46 98.49 0.86 99.34 0.29 99.64 0.20 99.84 0.15 99.98 0.02 100.00

136.37 161.53 519.86 479.24 1,038.82 748.85 915.69 1,310.31 876.81 1,111.18 457.13 576.75 355.99 497.17 203.59 510.06 341.06 93.95 121.62 0.72 10,456.70

136.37 297.90 817.76 1,297.00 2,335.82 3,084.67 4,000.35 5,310.66 6,187.48 7,298.66 7,755.79 8,332.54 8,688.53 9,185.70 9,389.29 9,899.35 10,240.41 10,334.36 10,455.98 10,456.70

1.30 1.30 1.54 2.85 4.97 7.82 4.58 12.40 9.93 22.34 7.16 29.50 8.76 38.26 12.53 50.79 8.39 59.17 10.63 69.80 4.37 74.17 5.52 79.69 3.40 83.09 4.75 87.85 1.95 89.79 4.88 94.67 3.26 97.93 0.90 98.83 1.16 99.99 0.01 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 196 of 204

RISK AND LOSS PROFILE 2012 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 2012 25 - MALUKU

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 402 387 667 417 454 312 198 183 96 70 61 50 36 64 23 57 62 10 14 0 3,563

402 789 1,456 1,873 2,327 2,639 2,837 3,020 3,116 3,186 3,247 3,297 3,333 3,397 3,420 3,477 3,539 3,549 3,563 3,563

11.28 11.28 10.86 22.14 18.72 40.86 11.70 52.57 12.74 65.31 8.76 74.07 5.56 79.62 5.14 84.76 2.69 87.45 1.96 89.42 1.71 91.13 1.40 92.53 1.01 93.54 1.80 95.34 0.65 95.99 1.60 97.59 1.74 99.33 0.28 99.61 0.39 100.00 0.00 100.00

173.69 83.55 230.16 313.10 510.29 574.19 545.72 669.89 488.86 385.76 330.94 330.36 278.50 411.61 162.35 587.65 403.71 126.92 138.07 0.00 6,745.32

173.69 257.24 487.40 800.50 1,310.79 1,884.98 2,430.70 3,100.59 3,589.44 3,975.20 4,306.14 4,636.51 4,915.01 5,326.62 5,488.97 6,076.62 6,480.33 6,607.25 6,745.32 6,745.32

2.57 2.57 1.24 3.81 3.41 7.23 4.64 11.87 7.57 19.43 8.51 27.95 8.09 36.04 9.93 45.97 7.25 53.21 5.72 58.93 4.91 63.84 4.90 68.74 4.13 72.87 6.10 78.97 2.41 81.37 8.71 90.09 5.99 96.07 1.88 97.95 2.05 100.00 0.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 2 2 0 0 0 0 0 0 0 0 2 2 0 1 0 9

0 0 0 0 0 2 4 4 4 4 4 4 4 4 4 6 8 8 9 9

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.19 0.00 0.00 0.00 0.00 25.19

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.19 100.00 100.00 25.19 0.00 100.00 25.19 0.00 100.00 25.19 0.00 100.00 25.19 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 4.29 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.41 0.39 0.38 0.37 0.37

0.37

Page 197 of 204

RISK AND LOSS PROFILE 2012 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 2012 26 - IRIAN JAYA

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 698 605 1,169 889 1,106 685 498 419 240 139 122 123 98 84 38 79 51 13 6 5 7,067

698 1,303 2,472 3,361 4,467 5,152 5,650 6,069 6,309 6,448 6,570 6,693 6,791 6,875 6,913 6,992 7,043 7,056 7,062 7,067

9.88 9.88 8.56 18.44 16.54 34.98 12.58 47.56 15.65 63.21 9.69 72.90 7.05 79.95 5.93 85.88 3.40 89.27 1.97 91.24 1.73 92.97 1.74 94.71 1.39 96.09 1.19 97.28 0.54 97.82 1.12 98.94 0.72 99.66 0.18 99.84 0.08 99.93 0.07 100.00

389.13 176.65 461.57 523.48 1,319.93 1,339.09 1,567.15 1,405.95 1,099.20 781.11 880.65 1,073.97 856.02 663.51 419.44 1,219.52 1,040.94 276.64 108.49 33.08 15,635.52

389.13 565.78 1,027.35 1,550.83 2,870.76 4,209.85 5,777.00 7,182.94 8,282.14 9,063.26 9,943.90 11,017.87 11,873.89 12,537.41 12,956.85 14,176.37 15,217.31 15,493.95 15,602.44 15,635.52

2.49 2.49 1.13 3.62 2.95 6.57 3.35 9.92 8.44 18.36 8.56 26.92 10.02 36.95 8.99 45.94 7.03 52.97 5.00 57.97 5.63 63.60 6.87 70.47 5.47 75.94 4.24 80.19 2.68 82.87 7.80 90.67 6.66 97.33 1.77 99.09 0.69 99.79 0.21 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 1 0 0 0 0 3 0 0 0 0 0 0 0 0 0 2 2 0 0 0 8

1 1 1 1 1 4 4 4 4 4 4 4 4 4 4 6 8 8 8 8

12.50 0.00 0.00 0.00 0.00 37.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.00 25.00 0.00 0.00 0.00

12.50 12.50 12.50 12.50 12.50 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 75.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 252.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 41.19 1,935.57 0.00 0.00 0.00 2,229.51

0.00 0.00 0.00 0.00 0.00 252.75 252.75 252.75 252.75 252.75 252.75 252.75 252.75 252.75 252.75 293.94 2,229.51 2,229.51 2,229.51 2,229.51

0.00 0.00 0.00 0.00 0.00 11.34 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.85 86.82 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 11.34 18.87 11.34 0.00 11.34 0.00 11.34 0.00 11.34 0.00 11.34 0.00 11.34 0.00 11.34 0.00 11.34 0.00 11.34 0.00 13.18 3.38 100.00 185.94 100.00 0.00 100.00 0.00 100.00 0.00

0.00 0.00 0.00 0.00 0.00 6.00 4.38 3.52 3.05 2.79 2.54 2.29 2.13 2.02 1.95 2.07 14.65 14.39 14.29 14.26

14.26

Page 198 of 204

RISK AND LOSS PROFILE 2012 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 2012 27 - MALUKU UTARA

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 55 55 110 91 100 68 55 43 39 25 18 11 17 16 3 12 5 1 2 1 727

55 110 220 311 411 479 534 577 616 641 659 670 687 703 706 718 723 724 726 727

7.57 7.57 7.57 15.13 15.13 30.26 12.52 42.78 13.76 56.53 9.35 65.89 7.57 73.45 5.91 79.37 5.36 84.73 3.44 88.17 2.48 90.65 1.51 92.16 2.34 94.50 2.20 96.70 0.41 97.11 1.65 98.76 0.69 99.45 0.14 99.59 0.28 99.86 0.14 100.00

25.85 13.41 46.61 81.92 92.59 152.67 140.95 164.64 166.02 102.69 131.88 77.19 178.08 163.68 24.57 100.33 100.86 0.20 38.03 0.31 1,802.49

25.85 39.27 85.87 167.79 260.38 413.05 554.00 718.65 884.67 987.35 1,119.23 1,196.42 1,374.51 1,538.18 1,562.75 1,663.08 1,763.94 1,764.14 1,802.18 1,802.49

1.43 1.43 0.74 2.18 2.59 4.76 4.54 9.31 5.14 14.45 8.47 22.92 7.82 30.74 9.13 39.87 9.21 49.08 5.70 54.78 7.32 62.09 4.28 66.38 9.88 76.26 9.08 85.34 1.36 86.70 5.57 92.27 5.60 97.86 0.01 97.87 2.11 99.98 0.02 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 199 of 204

RISK AND LOSS PROFILE 2012 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 2012 28 - IRIAN JAYA BARAT

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 143 221 564 356 444 199 204 114 75 59 29 40 20 24 18 30 10 6 0 0 2,556

143 364 928 1,284 1,728 1,927 2,131 2,245 2,320 2,379 2,408 2,448 2,468 2,492 2,510 2,540 2,550 2,556 2,556 2,556

5.59 5.59 8.65 14.24 22.07 36.31 13.93 50.23 17.37 67.61 7.79 75.39 7.98 83.37 4.46 87.83 2.93 90.77 2.31 93.08 1.13 94.21 1.56 95.77 0.78 96.56 0.94 97.50 0.70 98.20 1.17 99.37 0.39 99.77 0.23 100.00 0.00 100.00 0.00 100.00

189.97 37.31 145.80 180.74 411.33 309.98 521.24 432.25 466.12 339.37 195.86 359.94 266.38 239.83 204.44 515.32 173.46 108.78 0.00 0.00 5,098.15

189.97 227.28 373.08 553.82 965.15 1,275.13 1,796.38 2,228.63 2,694.75 3,034.12 3,229.98 3,589.92 3,856.30 4,096.14 4,300.58 4,815.90 4,989.37 5,098.15 5,098.15 5,098.15

3.73 3.73 0.73 4.46 2.86 7.32 3.55 10.86 8.07 18.93 6.08 25.01 10.22 35.24 8.48 43.71 9.14 52.86 6.66 59.51 3.84 63.36 7.06 70.42 5.23 75.64 4.70 80.35 4.01 84.36 10.11 94.46 3.40 97.87 2.13 100.00 0.00 100.00 0.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 200 of 204

RISK AND LOSS PROFILE 2012 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 2012 29 - BANTEN

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 6,741 4,715 7,607 5,479 6,549 3,871 2,856 2,374 1,340 749 642 895 555 940 564 918 923 487 557 206 48,968

6,741 11,456 19,063 24,542 31,091 34,962 37,818 40,192 41,532 42,281 42,923 43,818 44,373 45,313 45,877 46,795 47,718 48,205 48,762 48,968

13.77 13.77 9.63 23.39 15.53 38.93 11.19 50.12 13.37 63.49 7.91 71.40 5.83 77.23 4.85 82.08 2.74 84.81 1.53 86.34 1.31 87.66 1.83 89.48 1.13 90.62 1.92 92.54 1.15 93.69 1.87 95.56 1.88 97.45 0.99 98.44 1.14 99.58 0.42 100.00

8,275.22 582.52 1,587.43 1,925.16 4,166.09 3,812.01 3,924.50 4,581.81 3,680.45 3,144.87 2,336.72 4,281.87 3,857.10 7,126.06 7,663.66 11,646.48 23,982.67 7,725.06 8,545.00 4,175.00 117,019.68

8,275.22 8,857.74 10,445.17 12,370.33 16,536.42 20,348.43 24,272.93 28,854.73 32,535.18 35,680.05 38,016.77 42,298.64 46,155.75 53,281.80 60,945.46 72,591.94 96,574.62 104,299.68 112,844.68 117,019.68

7.07 7.07 0.50 7.57 1.36 8.93 1.65 10.57 3.56 14.13 3.26 17.39 3.35 20.74 3.92 24.66 3.15 27.80 2.69 30.49 2.00 32.49 3.66 36.15 3.30 39.44 6.09 45.53 6.55 52.08 9.95 62.03 20.49 82.53 6.60 89.13 7.30 96.43 3.57 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 22 4 3 4 3 0 4 0 2 3 0 0 5 0 2 8 5 13 7 3 88

22 26 29 33 36 36 40 40 42 45 45 45 50 50 52 60 65 78 85 88

25.00 25.00 4.55 29.55 3.41 32.95 4.55 37.50 3.41 40.91 0.00 40.91 4.55 45.45 0.00 45.45 2.27 47.73 3.41 51.14 0.00 51.14 0.00 51.14 5.68 56.82 0.00 56.82 2.27 59.09 9.09 68.18 5.68 73.86 14.77 88.64 7.95 96.59 3.41 100.00

4,172.23 45.57 6.67 11.70 15.13 0.00 48.22 0.00 12.13 25.27 0.00 0.00 37.97 0.00 2.04 590.62 194.16 116.25 19,916.39 1,102.88 26,297.21

4,172.23 4,217.79 4,224.46 4,236.16 4,251.29 4,251.29 4,299.50 4,299.50 4,311.63 4,336.90 4,336.90 4,336.90 4,374.87 4,374.87 4,376.91 4,967.53 5,161.70 5,277.95 25,194.34 26,297.21

15.87 15.87 50.42 0.17 16.04 7.82 0.03 16.06 0.42 0.04 16.11 0.61 0.06 16.17 0.36 0.00 16.17 0.00 0.18 16.35 1.23 0.00 16.35 0.00 0.05 16.40 0.33 0.10 16.49 0.80 0.00 16.49 0.00 0.00 16.49 0.00 0.14 16.64 0.98 0.00 16.64 0.00 0.01 16.64 0.03 2.25 18.89 5.07 0.74 19.63 0.81 0.44 20.07 1.50 75.74 95.81 233.08 4.19 100.00 26.42

50.42 47.62 40.44 34.24 25.71 20.89 17.71 14.90 13.25 12.15 11.41 10.25 9.48 8.21 7.18 6.84 5.34 5.06 22.33 22.47

22.47

Page 201 of 204

RISK AND LOSS PROFILE 2012 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 2012 30 - BANGKA BELITUNG

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 437 318 662 441 477 265 191 121 82 50 38 32 22 21 30 29 42 30 23 1 3,312

437 755 1,417 1,858 2,335 2,600 2,791 2,912 2,994 3,044 3,082 3,114 3,136 3,157 3,187 3,216 3,258 3,288 3,311 3,312

13.19 13.19 9.60 22.80 19.99 42.78 13.32 56.10 14.40 70.50 8.00 78.50 5.77 84.27 3.65 87.92 2.48 90.40 1.51 91.91 1.15 93.06 0.97 94.02 0.66 94.69 0.63 95.32 0.91 96.23 0.88 97.10 1.27 98.37 0.91 99.28 0.69 99.97 0.03 100.00

249.90 58.63 161.70 187.65 287.68 304.47 336.16 247.69 219.02 250.35 185.07 117.85 306.38 139.75 160.01 394.38 468.58 304.92 384.20 26.22 4,790.62

249.90 308.53 470.23 657.88 945.56 1,250.03 1,586.19 1,833.88 2,052.90 2,303.25 2,488.31 2,606.17 2,912.55 3,052.30 3,212.31 3,606.69 4,075.27 4,380.19 4,764.40 4,790.62

5.22 5.22 1.22 6.44 3.38 9.82 3.92 13.73 6.01 19.74 6.36 26.09 7.02 33.11 5.17 38.28 4.57 42.85 5.23 48.08 3.86 51.94 2.46 54.40 6.40 60.80 2.92 63.71 3.34 67.05 8.23 75.29 9.78 85.07 6.37 91.43 8.02 99.45 0.55 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 2 1 0 0 0 0 0 0 0 0 0 0 2 1 0 0 6

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33.33 33.33 16.67 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 33.33 83.33 16.67 100.00 0.00 100.00 0.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 34.65 0.00 0.00 0.00 34.65

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 34.65 100.00 100.00 34.65 0.00 100.00 34.65 0.00 100.00 34.65 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 7.39 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.85 0.79 0.73 0.72

0.72

Page 202 of 204

RISK AND LOSS PROFILE 2012 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 2012 31 - GORONTALO

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 337 307 405 337 387 166 91 118 69 33 21 33 14 17 10 26 9 1 1 0 2,382

337 644 1,049 1,386 1,773 1,939 2,030 2,148 2,217 2,250 2,271 2,304 2,318 2,335 2,345 2,371 2,380 2,381 2,382 2,382

14.15 14.15 12.89 27.04 17.00 44.04 14.15 58.19 16.25 74.43 6.97 81.40 3.82 85.22 4.95 90.18 2.90 93.07 1.39 94.46 0.88 95.34 1.39 96.73 0.59 97.31 0.71 98.03 0.42 98.45 1.09 99.54 0.38 99.92 0.04 99.96 0.04 100.00 0.00 100.00

177.86 32.36 107.98 125.83 257.89 200.81 157.24 320.82 208.34 168.26 136.17 197.30 96.99 116.87 137.95 309.07 225.13 8.82 1.41 0.00 2,987.09

177.86 210.22 318.20 444.03 701.92 902.73 1,059.96 1,380.78 1,589.12 1,757.38 1,893.55 2,090.85 2,187.84 2,304.71 2,442.66 2,751.73 2,976.86 2,985.68 2,987.09 2,987.09

5.95 5.95 1.08 7.04 3.61 10.65 4.21 14.87 8.63 23.50 6.72 30.22 5.26 35.48 10.74 46.22 6.97 53.20 5.63 58.83 4.56 63.39 6.61 70.00 3.25 73.24 3.91 77.16 4.62 81.77 10.35 92.12 7.54 99.66 0.30 99.95 0.05 100.00 0.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 203 of 204

RISK AND LOSS PROFILE 2012 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 2012 32 - KEPULAUAN RIAU

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

NUMBER OF POLICIES ORIGINAL PREMIUM (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 1,456 1,472 2,880 2,113 2,484 1,316 757 631 315 183 143 202 118 131 56 139 141 77 130 70 14,814

1,456 2,928 5,808 7,921 10,405 11,721 12,478 13,109 13,424 13,607 13,750 13,952 14,070 14,201 14,257 14,396 14,537 14,614 14,744 14,814

9.83 9.83 9.94 19.77 19.44 39.21 14.26 53.47 16.77 70.24 8.88 79.12 5.11 84.23 4.26 88.49 2.13 90.62 1.24 91.85 0.97 92.82 1.36 94.18 0.80 94.98 0.88 95.86 0.38 96.24 0.94 97.18 0.95 98.13 0.52 98.65 0.88 99.53 0.47 100.00

1,560.39 202.58 659.97 1,006.39 2,214.81 1,812.30 1,490.42 1,617.01 1,027.17 799.38 745.89 1,068.22 729.36 1,031.58 614.93 1,657.87 2,285.62 1,150.91 1,984.46 5,582.00 29,241.23

1,560.39 1,762.96 2,422.94 3,429.32 5,644.13 7,456.42 8,946.84 10,563.85 11,591.03 12,390.41 13,136.30 14,204.51 14,933.87 15,965.46 16,580.38 18,238.25 20,523.87 21,674.78 23,659.23 29,241.23

5.34 5.34 0.69 6.03 2.26 8.29 3.44 11.73 7.57 19.30 6.20 25.50 5.10 30.60 5.53 36.13 3.51 39.64 2.73 42.37 2.55 44.92 3.65 48.58 2.49 51.07 3.53 54.60 2.10 56.70 5.67 62.37 7.82 70.19 3.94 74.12 6.79 80.91 19.09 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 2 0 0 0 0 0 0 0 0 0 0 3 0 5

0 0 0 0 0 0 0 2 2 2 2 2 2 2 2 2 2 2 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 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 60.00 100.00 0.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 144.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 42.65 0.00 187.24

0.00 0.00 0.00 0.00 0.00 0.00 0.00 144.59 144.59 144.59 144.59 144.59 144.59 144.59 144.59 144.59 144.59 144.59 187.24 187.24

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 77.22 77.22 0.00 77.22 0.00 77.22 0.00 77.22 0.00 77.22 0.00 77.22 0.00 77.22 0.00 77.22 0.00 77.22 0.00 77.22 0.00 77.22 22.78 100.00 0.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.94 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.15 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.37 1.25 1.17 1.10 1.02 0.97 0.91 0.87 0.79 0.70 0.67 0.79 0.64

0.64

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 UY 2008

CLASS OF BUSINESS

Number of

Premium

Policies

- Earthquake (EQ)

UY 2009

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

Premium and Claim in million Rupiah UY 2011

UY 2010

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

Number of

Claim

% LOSS

Number of

Claims

Incured

RATIO

Policies

Premium

Number of

Claim

% LOSS

Claims

Incured

RATIO

62,026

252,461,32

975

316,779,56

125,48

95,381

313,647,12

2,307

576,564,77

183,83

127,041

431,224,50

2,024,06

0,47

142,783

602,813,14

5,250,88

0,87

- Fire (FR)

863,531

1,007,506,54

5,894

754,504,61

74,89

964,911

1,122,785,34

6,666

917,793,63

81,74

941,830

1,101,936,75

4,603

815,069,81

73,97

1,076,634

1,129,940,20

2,807

299,548,16

26,51

- Industrial All Risk (IAR)

121,089

443,921,85

9,385

1,264,255,85

284,80

149,985

444,420,03

9,741

2,055,229,04

462,45

179,812

517,726,95

8,320

1,697,494,31

327,87

192,371

614,879,22

3,486

387,077,68

62,95

409

1,218,42

3,281,31

269,31

212

306,42

1,492,25

486,99

145

379,95

149,61

39,38

147

281,93

1,047,055

1,705,108,13

16,282

2,338,821,33

137,17

1,210,489

1,881,158,91

18,722

3,551,079,69

188,77

1,248,828

2,051,268,15

12,981

2,514,737,79

122,59

1,411,935

2,347,914,49

6,392

- Loss of Profit (LOP)

691,876,72

29,47

Note : Data yang diterima hingga 15 Juni 2012 dan klaim-klaim yang terjadi sebagai berikut : (Data received up to 15 June 2012) and Claim Incured as follows) :

Underwriting Year 2008 Underwriting Year 2009 Underwriting Year 2010 Underwriting Year 2011

Claim Settled Number of (in Rp) Cases 2,036,751,300,938,26 15,338 3,516,132,524,799,37 18,002 2,491,856,997,642,47 12,610 604,887,715,818,16 6,173

Outstanding Claims (in Rp) 302,120,029,061,74 34,947,175,200,63 22,880,782,357,53 86,989,014,181,84

Number of Cases 944 720 371 219

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

11,471,97

209

286,262,95

2,495,32

1,819

14,469,29

323

230,123,07

1,590,42

2,208

8,638,28

250

49,444,77

572,39

2,317

20,101,19

19,527,52

21 - Stone, Earth, (Animal) Bones or Shells

2,105

12,127,18

206

47,972,12

395,58

3,135

14,601,94

211

114,180,00

781,95

3,073

17,878,66

159

25,274,61

141,37

3,463

22,324,85

4,192,41

18,78

22 - Metals

8,880

57,186,87

544

131,064,84

229,19

11,745

63,374,69

642

202,540,78

319,59

12,795

68,690,93

589

109,845,00

159,91

12,964

68,459,79

304

95,483,60

139,47

23 - Chemicals/Oil/Gas

11,194

86,140,65

824

157,800,72

183,19

14,264

101,972,14

977

183,851,05

180,30

14,516

110,646,00

575

122,968,73

111,14

16,979

139,824,32

334

52,442,32

37,51

24 - Textiles

15,081

76,528,57

1,089

137,586,43

179,78

17,657

83,974,95

1,230

299,596,58

356,77

17,902

86,892,55

777

221,478,07

254,89

18,838

108,416,53

332

49,789,60

45,92

25 - Paper, Leather, Rubber

10,372

77,531,61

578

186,134,44

240,08

12,342

79,664,93

676

223,313,62

280,32

12,765

92,194,53

532

107,524,54

116,63

13,602

102,075,50

275

80,691,16

79,05

7,945

78,597,76

418

113,646,17

144,59

9,127

81,148,55

430

251,000,42

309,31

9,495

91,114,17

370

156,236,62

171,47

9,710

98,142,32

143

27,380,54

27,90

28,445

95,554,45

2,208

125,418,10

131,25

37,240

115,590,11

2,012

185,775,47

160,72

35,043

134,449,30

1,284

195,170,60

145,16

42,391

176,214,18

795

89,383,99

50,72

4,970

7,564,66

106

74,376,53

983,21

1,086

9,189,99

284,108,77

3,091,50

1,234

13,366,26

74,029,16

553,85

1,686

33,747,25

7,501,88

22,23

953,653

1,175,786,69

9,978

1,073,202,69

91,28

1,096,957

1,284,877,02

11,946

1,555,166,22

121,04

1,136,043

1,386,786,54

8,188

1,443,398,91

104,08

1,284,416

1,527,790,31

4,001

263,777,28

17,27

30 - Estate Plantation Risk

215

1,829,92

6,35

0,35

564

3,045,76

2,012,26

66,07

536

8,650,34

209,22

2,42

1,078

13,784,90

107,25

0,78

31 - Estate Plantation Risk

637

14,521,60

1,101,04

7,58

1,303

16,097,84

5,997,36

37,26

1,478

19,710,73

5,851,48

29,69

1,483

25,314,54

1,044,28

4,13

32 - Recreation Place

108

4,009,66

867,98

21,65

199

4,871,08

6,507,34

133,59

259

3,661,68

1,880,38

51,35

212

5,363,58

554,90

10,35

2,131

6,247,54

3,380,97

54,12

3,051

8,280,61

6,906,76

83,41

1,481

8,588,20

1,425,69

16,60

2,796

6,355,23

1,047,055

1,705,099,13

16,282

2,338,821,33

137,17

1,210,489

1,881,158,90

18,722

3,551,079,70

188,77

1,248,828

2,051,268,17

12,981

2,514,737,78

122,59

1,411,935

2,347,914,49

6,392

26 - Wood, Bamboo and Rattan 27 - Nutritional, Drinks and Tobacco 28 - Power and Heating 29 - Transport and Traffic, Construction Firms,

40 - Non Estate Plantation

691,876,73

97,15

29,47

Note : Data yang diterima hingga 15 Juni 2012 dan klaim-klaim yang terjadi sebagai berikut : (Data received up to 15 June 2012) and Claim Incured as follows) :

Underwriting Year 2008 Underwriting Year 2009 Underwriting Year 2010 Underwriting Year 2011

Claim Settled Number of (in Rp) Cases 2,036,751,300,938,26 15,338 3,516,132,524,799,37 18,002 2,491,856,997,642,47 12,610 604,887,715,818,16 6,173

Outstanding Claims (in Rp) 302,120,029,061,74 34,947,175,200,63 22,880,782,357,53 86,989,014,181,84

Number of Cases 944 720 371 219

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

01 - Nanggroe Aceh Darussalam

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

8,743

12,044,29

770,53

6,40

11,482

16,422,71

2,204,67

13,42

13,546

19,246,94

3,271,03

17,00

15,136

18,371,07

5,128,59

27,92

02 - Sumatera Utara

67,495

93,686,92

883

98,913,92

105,58

95,561

118,031,10

800

67,356,41

57,07

88,595

136,696,83

621

60,390,23

44,18

96,985

159,692,32

371

34,733,42

21,75

03 - Sumatera Barat

26,685

24,766,12

1,057

343,594,20

1,387,36

35,886

34,487,02

2,451

651,392,15

1,888,80

41,225

40,097,92

6,702,91

16,72

49,872

57,611,49

5,973,79

10,37

04 - Riau

34,008

44,135,61

294

39,517,78

89,54

46,812

74,474,15

304

39,896,78

53,57

41,693

59,875,66

237

29,560,09

49,37

46,872

65,809,00

154

16,966,01

25,78

05 - Jambi

12,982

15,533,73

2,183,08

14,05

13,864

18,036,76

31,011,45

171,93

14,477

19,128,43

10,050,85

52,54

14,823

20,515,84

3,448,54

16,81

06 - Sumatera Selatan

24,527

33,174,87

297

106,401,11

320,73

28,021

59,239,29

385

44,957,40

75,89

30,351

49,559,66

209

51,072,98

103,05

34,284

50,401,82

104

5,910,76

11,73

07 - Bengkulu

7,027

6,176,35

1,757,43

28,45

9,274

9,514,77

109

8,310,93

87,35

11,027

10,645,53

3,740,99

35,14

14,089

11,009,33

1,604,69

14,58

08 - Lampung

18,114

28,907,04

395

22,396,56

77,48

21,440

38,623,42

404

13,435,86

34,79

23,181

38,979,81

279

15,294,45

39,24

26,707

45,259,43

3,739,40

8,26

09 - Daerah Khusus Ibukota Jakarta

222,684

428,048,41

4,312

721,890,13

168,65

239,039

394,220,70

4,603

552,205,86

140,08

242,978

421,782,86

3,222

737,371,77

174,82

255,604

518,757,45

1,774

165,933,84

31,99

10 - Jawa Barat

165,799

277,977,23

2,732

383,112,72

137,82

182,083

281,441,06

3,497

1,026,917,69

364,88

196,170

339,204,11

2,903

779,921,67

229,93

227,790

380,634,28

1,213

163,815,86

43,04

11 - Jawa Tengah

85,682

104,282,88

1,437

111,915,67

107,32

93,898

123,791,73

1,016

160,413,58

129,58

99,557

143,761,43

888

93,160,64

64,80

122,836

161,463,08

489

67,991,12

42,11

12 - Daerah Istimewa Yogyakarta

11,224

13,120,03

102

4,351,33

33,17

13,998

15,328,52

136

3,986,79

26,01

13,203

17,011,92

138

7,618,96

44,79

14,842

19,850,61

2,038,97

10,27

111,859

189,625,67

1,744

222,204,94

117,18

131,901

224,027,00

1,901

376,027,42

167,85

138,202

249,587,02

1,462

335,091,81

134,26

161,350

294,814,18

616

64,854,28

22,00

29,310

40,700,35

213

22,986,03

56,48

38,394

57,577,44

299

48,444,83

84,14

39,124

58,348,10

382

32,434,19

55,59

38,390

62,293,40

144

12,908,23

20,72

15 - Kalimantan Tengah

7,719

11,176,97

172

13,231,54

118,38

8,824

14,248,31

130

5,676,15

39,84

10,197

15,718,72

116

4,648,75

29,57

11,574

15,393,71

4,122,48

26,78

16 - Kalimantan Selatan

14,916

19,691,98

128

9,244,48

46,95

18,721

22,955,60

175

12,643,49

55,08

17,890

24,892,65

147

7,320,92

29,41

20,758

29,342,27

3,863,04

13,17

17 - Kalimantan Timur

22,982

60,909,92

260

9,363,31

15,37

28,146

53,766,26

305

180,340,65

335,42

29,254

54,595,58

330

155,760,04

285,30

32,134

63,183,48

141

37,652,57

59,59

18 - Sulawesi Utara

11,420

17,114,23

8,507,07

49,71

12,987

19,586,83

29,411,31

150,16

14,544

23,011,36

19,870,36

86,35

17,375

25,619,02

6,385,00

24,92

19 - Sulawesi Tengah

6,732

11,338,30

1,372,82

12,11

6,828

11,102,21

157,70

1,42

8,560

13,977,32

980,28

7,01

7,678

9,960,40

4,310,29

43,27

20 - Sulawesi Selatan

29,806

40,752,11

180

14,801,68

36,32

34,540

47,671,97

152

14,386,74

30,18

34,480

44,254,95

135

15,093,60

34,11

43,781

54,438,85

105

9,045,97

16,62

4,698

5,795,91

1,199,69

20,70

4,712

5,877,17

1,207,41

20,54

4,887

6,995,89

59,67

0,85

5,897

7,282,80

102,37

1,41

23,954

43,027,33

446

10,941,93

25,43

27,897

49,758,88

348

15,482,46

31,11

30,785

59,206,58

477

33,955,34

57,35

37,190

68,345,59

272

12,550,05

18,36

23 - Nusa Tenggara Barat

6,516

8,044,88

228

1,856,89

23,08

8,132

9,093,72

229

2,546,12

28,00

8,648

11,433,58

3,304,16

28,90

10,813

12,489,43

1,479,24

11,84

24 - Nusa Tenggara Timur

5,009

7,809,37

220,93

2,83

6,288

8,749,42

1,190,69

13,61

6,250

10,043,42

3,925,21

39,08

7,854

10,134,41

228,60

2,26

25 - Maluku

1,689

3,355,33

2,128

4,407,83

53,183,81

1,206,58

2,794

6,186,19

449,11

7,26

3,721

7,187,21

1,972,39

27,44

26 - Irian Jaya

5,372

11,390,77

3,038,35

26,67

6,830

15,560,73

118

3,940,78

25,33

7,841

19,087,17

1,749,76

9,17

9,796

17,354,72

627,44

3,62

27 - Maluku Utara

1,171

3,331,62

15,64

0,47

1,288

3,241,60

183,07

5,65

1,329

3,784,84

376,97

9,96

1,080

1,915,44

430,17

22,46

13 - Jawa Timur 14 - Kalimantan Barat

21 - Sulawesi Tenggara 22 - Bali

28 - Irian Jaya Barat

2,135

3,513,56

1,692,08

48,16

2,632

4,702,39

679,61

14,45

2,315

4,826,95

563,17

11,67

4,119

4,387,06

1,622,99

36,99

56,204

104,699,59

840

148,067,56

141,42

55,416

104,063,81

924

144,481,71

138,84

53,195

113,129,46

778

88,188,18

77,95

55,624

119,078,89

341

45,233,87

37,99

30 - Bangka Belitung

2,560

4,403,41

1,202,49

27,31

2,858

4,723,17

1,337,25

28,31

2,894

4,357,16

988,31

22,68

3,135

3,572,40

48,66

1,36

31 - Gorontalo

2,052

3,060,44

2,478,48

80,98

2,756

3,938,49

296,65

7,53

2,554

4,001,83

326,05

8,15

2,576

3,254,69

56,00

1,72

15,981

33,503,89

148

29,590,96

88,32

17,853

32,494,84

139

57,372,26

176,56

17,082

27,838,30

168

11,495,36

41,29

17,250

28,490,81

7,098,08

24,91

1,047,055

1,705,099,11

16,282

2,338,821,33

137,17

1,210,489

1,881,158,90

18,722

3,551,079,68

188,77

1,248,828

2,051,268,17

12,981

2,514,737,81

122,59

1,411,935

2,347,914,48

6,392

691,876,71

29,47

29 - Banten

32 - Kepulauan Riau

Note : Data yang diterima hingga 15 Juni 2012 dan klaim-klaim yang terjadi sebagai berikut : (Data received up to 15 June 2012) and Claim Incured as follows) : Claim Settled

Number of

Outstanding Claims

Number of

(in Rp)

Cases

(in Rp)

Cases

Underwriting Year 2008

2,036,751,300,938,26

15,338

302,120,029,061,74

944

Underwriting Year 2009

3,516,132,524,799,37

18,002

34,947,175,200,63

720

Underwriting Year 2010

2,491,856,997,642,47

12,610

22,880,782,357,53

371

Underwriting Year 2011

604,887,715,818,16

6,173

86,989,014,181,84

219 Page 3 0f 3

GRAFIK - GRAPH

GRAPH COMPARISON OF POLICIES NUMBER BY OCCUPATION 2009 - 2012 1,400,000 1,300,000 1,200,000 1,100,000

Number of Policies

1,000,000 900,000 800,000

UY 2009

700,000

UY 2010

600,000

UY 2011

500,000

UY 2012

400,000 300,000 200,000 100,000 20

Occupation Code

1 of 10

GRAPH COMPARISON OF PREMIUM BY OCCUPATION 2009 - 2012 1,800,000.00 1,700,000.00 1,600,000.00 1,500,000.00 1,400,000.00

Premium (in million Rupiah)

1,300,000.00 1,200,000.00 1,100,000.00 1,000,000.00 900,000.00 800,000.00

UY 2009

700,000.00

UY 2010

600,000.00

UY 2011

500,000.00

UY 2012

400,000.00 300,000.00 200,000.00 100,000.00 20

Occupation Code

2 of 10

GRAPH COMPARISON OF CLAIM NUMBER BY OCCUPATION 2009 - 2012 13,000 12,000 11,000 10,000

Number of Claim

9,000 8,000 7,000

UY 2009

6,000

UY 2010

5,000

UY 2011

4,000

UY 2012

3,000 2,000 1,000 -

Occupation Code

3 of 10

GRAPH COMPARISON OF CLAIM BY OCCUPATION 2009 - 2012 1,600,000.00

1,400,000.00

Claim Incurred (in million Rupiah)

1,200,000.00

1,000,000.00

UY 2009

800,000.00

UY 2010 600,000.00

UY 2011 UY 2012

400,000.00

200,000.00

Occupation Code

4 of 10

GRAPH COMPARISON OF LOSS RATIO BY OCCUPATION 2009 - 2012 4,500 4,250 4,000 3,750 3,500

Loss Ratio (in percentage)

3,250 3,000 2,750 2,500 2,250

UY 2009

2,000 1,750

UY 2010

1,500

UY 2011

1,250

UY 2012

1,000 750 500 250 0 20

Occupation Code

5 of 10

GRAPH COMPARISON OF POLICIES NUMBER BY PROVINCE 2009 - 2012 275,000 250,000 225,000

Number of Policies

200,000 175,000 150,000 UY 2009

125,000

UY 2010 UY 2011

100,000

UY 2012 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 23 24 25 26 27 28

Province Code

6 of 10

GRAPH COMPARISON OF PREMIUM BY PROVINCE 2009 - 2012 550,000.00 500,000.00

Premium ( in million Rupiah)

450,000.00 400,000.00 350,000.00 300,000.00

UY 2009

250,000.00

UY 2010

200,000.00

UY 2011

150,000.00

UY 2012

100,000.00 50,000.00 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

Province Code

7 of 10

GRAPH COMPARISON OF CLAIM NUMBER BY PROVINCE 2009 - 2012 5,000 4,750 4,500

Number of Claim

4,250 4,000 3,750 3,500 3,250 3,000 2,750 2,500 2,250 2,000 1,750 1,500 1,250 1,000 750 500 250 -

UY 2009 UY 2010 UY 2011 UY 2012

01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28

Province Code

8 of 10

GRAPH COMPARISON OF CLAIM BY PROVINCE 2009 - 2012 1,100,000.00 1,000,000.00 900,000.00

Claim Incurred (in million Rupiah)

800,000.00 700,000.00 600,000.00

UY 2009

500,000.00

UY 2010

400,000.00

UY 2011

300,000.00

UY 2012

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 25 26 27 28 29 30 31 32

Province Code

9 of 10

GRAPH COMPARISON OF LOSS RATIO BY PROVINCE 2009 - 2012 2,000 1,900 1,800 1,700 1,600 1,500

Loss Ratio (in percentage)

1,400 1,300 1,200 1,100 1,000 900

UY 2009

800 700

UY 2010

600

UY 2011

500

UY 2012

400 300 200 100 0 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32

Province Code

10 of 10

EXAMPLE FOR REAL OCCUPATION CODE

2222 – ACCUMULATOR AND DRY BATTERY FACTORIES 2232 – CABLE FACTORIES 2261 – RADIO AND TELEVISION RECEIVER FACTORIES AND OR ASSEMBLING PLANTS 2961 – MOTOR VEHICLE REPAIR SHOPS 2976 – DWELLING HOUSES, NOT CLASSIFIED AS SHOP HOUSES, NOT EXCEEDING 3 STOREYS

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 2222

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Accumulator and dry battery factories (Pabrik Accu dan Baterai Kering)

BAND

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

25 75 150 250 400 625 875 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. 40 2 2 8 10 6 9 15 14 9 3 4 2 10 10 10 34 15 35 8 246

40 42 44 52 62 68 77 92 106 115 118 122 124 134 144 154 188 203 238 246

16.26 16.26 0.81 17.07 0.81 17.89 3.25 21.14 4.07 25.20 2.44 27.64 3.66 31.30 6.10 37.40 5.69 43.09 3.66 46.75 1.22 47.97 1.63 49.59 0.81 50.41 4.07 54.47 4.07 58.54 4.07 62.60 13.82 76.42 6.10 82.52 14.23 96.75 3.25 100.00

258.98 0.94 2.79 0.34 1.26 2.19 2.57 41.44 21.48 16.90 4.68 7.00 10.60 41.92 67.42 83.10 480.78 192.96 304.05 66.98 1,608.38

258.98 259.93 262.72 263.06 264.32 266.50 269.07 310.51 331.99 348.89 353.57 360.56 371.16 413.08 480.50 563.61 1,044.39 1,237.35 1,541.40 1,608.38

16.10 16.10 0.06 16.16 0.17 16.33 0.02 16.36 0.08 16.43 0.14 16.57 0.16 16.73 2.58 19.31 1.34 20.64 1.05 21.69 0.29 21.98 0.43 22.42 0.66 23.08 2.61 25.68 4.19 29.88 5.17 35.04 29.89 64.93 12.00 76.93 18.90 95.84 4.16 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 0 0 19 0 23

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 4 4 23 23

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.39 17.39 0.00 17.39 0.00 17.39 82.61 100.00 0.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 809.70 0.00 0.00 3,725.52 0.00 4,535.22

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 809.70 809.70 809.70 4,535.22 4,535.22

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.85 17.85 0.00 17.85 0.00 17.85 82.15 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 974.32 0.00 0.00 1,225,29 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 143.66 77.53 65.44 294.23 281.97

281.97

Page 1 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 2222

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Accumulator and dry battery factories (Pabrik Accu dan Baterai Kering)

BAND

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

25 75 150 250 400 625 875 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. 31 5 3 1 5 5 5 8 7 12 2 6 4 9 11 18 32 17 27 6 214

31 36 39 40 45 50 55 63 70 82 84 90 94 103 114 132 164 181 208 214

14.49 14.49 2.34 16.82 1.40 18.22 0.47 18.69 2.34 21.03 2.34 23.36 2.34 25.70 3.74 29.44 3.27 32.71 5.61 38.32 0.93 39.25 2.80 42.06 1.87 43.93 4.21 48.13 5.14 53.27 8.41 61.68 14.95 76.64 7.94 84.58 12.62 97.20 2.80 100.00

235.96 1.08 0.69 0.53 0.33 6.48 2.10 7.91 6.12 22.08 3.29 37.99 27.95 39.06 36.41 193.98 559.56 345.33 604.02 44.84 2,175.69

235.96 237.04 237.73 238.26 238.59 245.06 247.16 255.07 261.19 283.27 286.55 324.55 352.49 391.56 427.97 621.95 1,181.50 1,526.84 2,130.85 2,175.69

10.85 10.85 0.05 10.89 0.03 10.93 0.02 10.95 0.02 10.97 0.30 11.26 0.10 11.36 0.36 11.72 0.28 12.00 1.01 13.02 0.15 13.17 1.75 14.92 1.28 16.20 1.80 18.00 1.67 19.67 8.92 28.59 25.72 54.30 15.87 70.18 27.76 97.94 2.06 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7 2 2 0 11

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7 9 11 11

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 63.64 18.18 81.82 18.18 100.00 0.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 502.10 3,963.54 3.55 0.00 4,469.19

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 502.10 4,465.64 4,469.19 4,469.19

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11.23 11.23 88.69 99.92 0.08 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 89.73 1,147,75 0.59 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 42.50 292.48 209.74 205.41

205.41

Page 2 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 2222

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Accumulator and dry battery factories (Pabrik Accu dan Baterai Kering)

BAND

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

25 75 150 250 400 625 875 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. 40 10 7 5 9 5 18 24 3 16 2 6 3 14 12 30 29 24 39 0 296

40 50 57 62 71 76 94 118 121 137 139 145 148 162 174 204 233 257 296 296

13.51 13.51 3.38 16.89 2.36 19.26 1.69 20.95 3.04 23.99 1.69 25.68 6.08 31.76 8.11 39.86 1.01 40.88 5.41 46.28 0.68 46.96 2.03 48.99 1.01 50.00 4.73 54.73 4.05 58.78 10.14 68.92 9.80 78.72 8.11 86.82 13.18 100.00 0.00 100.00

166.74 0.14 0.20 1.09 2.71 3.80 8.06 10.99 7.45 8.70 11.68 15.95 -42,89 55.27 74.57 239.69 374.48 326.07 342.50 0.00 1,607.21

166.74 166.87 167.07 168.16 170.87 174.67 182.73 193.72 201.17 209.88 221.56 237.52 194.62 249.89 324.46 564.14 938.63 1,264.70 1,607.21 1,607.21

10.37 10.37 0.01 10.38 0.01 10.40 0.07 10.46 0.17 10.63 0.24 10.87 0.50 11.37 0.68 12.05 0.46 12.52 0.54 13.06 0.73 13.79 0.99 14.78 -2,67 12.11 3.44 15.55 4.64 20.19 14.91 35.10 23.30 58.40 20.29 78.69 21.31 100.00 0.00 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 0 6 2 9 0 19

0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 2 8 10 19 19

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.53 10.53 0.00 10.53 31.58 42.11 10.53 52.63 47.37 100.00 0.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 29.46 0.00 360.95 2,562.16 5,180.52 0.00 8,133.08

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 0.00 29.46 29.46 390.40 2,952.56 8,133.08 8,133.08

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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.36 0.36 0.00 0.36 4.44 4.80 31.50 36.30 63.70 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 39.50 0.00 96.38 785.76 1,512,54 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 9.08 5.22 41.59 233.46 506.04 506.04

506.04

Page 3 of 20

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 2222

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Accumulator and dry battery factories (Pabrik Accu dan Baterai Kering)

BAND

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

25 75 150 250 400 625 875 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. 11 1 3 16 13 11 14 20 10 8 1 5 4 12 7 13 17 16 34 8 224

11 12 15 31 44 55 69 89 99 107 108 113 117 129 136 149 166 182 216 224

4.91 4.91 0.45 5.36 1.34 6.70 7.14 13.84 5.80 19.64 4.91 24.55 6.25 30.80 8.93 39.73 4.46 44.20 3.57 47.77 0.45 48.21 2.23 50.45 1.79 52.23 5.36 57.59 3.13 60.71 5.80 66.52 7.59 74.11 7.14 81.25 15.18 96.43 3.57 100.00

-9,95 0.22 0.41 3.19 5.28 6.67 10.61 19.83 15.92 14.99 3.46 7.92 15.05 56.98 33.21 95.49 342.41 151.88 287.45 41.81 1,102.82

-9,95 -9,73 -9,32 -6,13 -0,85 5.82 16.43 36.26 52.18 67.16 70.63 78.55 93.60 150.58 183.79 279.27 621.68 773.56 1,061.01 1,102.82

-0,9 -0,9 0.02 -0,88 0.04 -0,85 0.29 -0,56 0.48 -0,08 0.60 0.53 0.96 1.49 1.80 3.29 1.44 4.73 1.36 6.09 0.31 6.40 0.72 7.12 1.36 8.49 5.17 13.65 3.01 16.67 8.66 25.32 31.05 56.37 13.77 70.14 26.06 96.21 3.79 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1

1 100.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 4 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 2232

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Cable factories (Pabrik Kabel)

BAND

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

25 75 150 250 400 625 875 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. 17 1 1 6 4 7 8 5 6 12 3 7 10 14 7 19 47 20 39 23 256

17 18 19 25 29 36 44 49 55 67 70 77 87 101 108 127 174 194 233 256

6.64 6.64 0.39 7.03 0.39 7.42 2.34 9.77 1.56 11.33 2.73 14.06 3.13 17.19 1.95 19.14 2.34 21.48 4.69 26.17 1.17 27.34 2.73 30.08 3.91 33.98 5.47 39.45 2.73 42.19 7.42 49.61 18.36 67.97 7.81 75.78 15.23 91.02 8.98 100.00

89.35 0.03 0.10 2.44 3.39 35.30 35.60 7.95 8.21 40.87 6.65 26.61 21.62 87.12 49.37 141.33 335.68 123.50 258.14 78.45 1,351.71

89.35 89.38 89.48 91.92 95.32 130.62 166.22 174.16 182.38 223.24 229.90 256.51 278.13 365.25 414.62 555.95 891.63 1,015.13 1,273.27 1,351.71

6.61 6.61 0.00 6.61 0.01 6.62 0.18 6.80 0.25 7.05 2.61 9.66 2.63 12.30 0.59 12.88 0.61 13.49 3.02 16.52 0.49 17.01 1.97 18.98 1.60 20.58 6.45 27.02 3.65 30.67 10.46 41.13 24.83 65.96 9.14 75.10 19.10 94.20 5.80 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 11 11 0 11 35

2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 13 24 24 35

5.71 5.71 0.00 5.71 0.00 5.71 0.00 5.71 0.00 5.71 0.00 5.71 0.00 5.71 0.00 5.71 0.00 5.71 0.00 5.71 0.00 5.71 0.00 5.71 0.00 5.71 0.00 5.71 0.00 5.71 0.00 5.71 31.43 37.14 31.43 68.57 0.00 68.57 31.43 100.00

8.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 937.17 3,228.87 0.00 482.14 4,657.08

8.91 8.91 8.91 8.91 8.91 8.91 8.91 8.91 8.91 8.91 8.91 8.91 8.91 8.91 8.91 8.91 946.07 4,174.94 4,174.94 4,657.08

0.19 0.19 0.00 0.19 0.00 0.19 0.00 0.19 0.00 0.19 0.00 0.19 0.00 0.19 0.00 0.19 0.00 0.19 0.00 0.19 0.00 0.19 0.00 0.19 0.00 0.19 0.00 0.19 0.00 0.19 0.00 0.19 20.12 20.31 69.33 89.65 0.00 89.65 10.35 100.00

LOSS RATIO PERCENTAGE BAND CUM. 9.97 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 0.00 279.19 2,614,50 0.00 614.61

9.97 9.96 9.95 9.69 9.34 6.82 5.36 5.11 4.88 3.99 3.87 3.47 3.20 2.44 2.15 1.60 106.11 411.27 327.89 344.53

344.53

Page 5 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 2232

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Cable factories (Pabrik Kabel)

BAND

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

25 75 150 250 400 625 875 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. 11 1 1 4 6 3 7 6 9 15 3 7 8 9 10 30 19 28 29 5 211

11 12 13 17 23 26 33 39 48 63 66 73 81 90 100 130 149 177 206 211

5.21 5.21 0.47 5.69 0.47 6.16 1.90 8.06 2.84 10.90 1.42 12.32 3.32 15.64 2.84 18.48 4.27 22.75 7.11 29.86 1.42 31.28 3.32 34.60 3.79 38.39 4.27 42.65 4.74 47.39 14.22 61.61 9.00 70.62 13.27 83.89 13.74 97.63 2.37 100.00

96.67 0.10 0.21 1.02 3.45 9.21 6.74 33.97 16.70 41.59 3.61 27.79 62.40 41.96 68.79 282.96 222.45 332.57 472.55 160.54 1,885.31

96.67 96.78 96.99 98.01 101.46 110.67 117.42 151.39 168.09 209.68 213.29 241.09 303.49 345.45 414.24 697.20 919.65 1,252.22 1,724.76 1,885.31

5.13 5.13 0.01 5.13 0.01 5.14 0.05 5.20 0.18 5.38 0.49 5.87 0.36 6.23 1.80 8.03 0.89 8.92 2.21 11.12 0.19 11.31 1.47 12.79 3.31 16.10 2.23 18.32 3.65 21.97 15.01 36.98 11.80 48.78 17.64 66.42 25.06 91.48 8.52 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 6 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 2232

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Cable factories (Pabrik Kabel)

BAND

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

25 75 150 250 400 625 875 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. 13 1 10 11 4 5 5 9 7 8 1 9 11 11 5 20 32 21 33 8 224

13 14 24 35 39 44 49 58 65 73 74 83 94 105 110 130 162 183 216 224

5.80 5.80 0.45 6.25 4.46 10.71 4.91 15.63 1.79 17.41 2.23 19.64 2.23 21.88 4.02 25.89 3.13 29.02 3.57 32.59 0.45 33.04 4.02 37.05 4.91 41.96 4.91 46.88 2.23 49.11 8.93 58.04 14.29 72.32 9.38 81.70 14.73 96.43 3.57 100.00

91.34 0.18 0.62 65.23 0.89 13.73 10.27 9.62 13.61 15.28 3.10 31.20 53.66 50.93 37.53 224.71 320.01 270.61 687.02 163.72 2,063.27

91.34 91.52 92.15 157.38 158.27 172.00 182.26 191.89 205.50 220.78 223.88 255.08 308.74 359.67 397.20 621.91 941.92 1,212.53 1,899.55 2,063.27

4.43 4.43 0.01 4.44 0.03 4.47 3.16 7.63 0.04 7.67 0.67 8.34 0.50 8.83 0.47 9.30 0.66 9.96 0.74 10.70 0.15 10.85 1.51 12.36 2.60 14.96 2.47 17.43 1.82 19.25 10.89 30.14 15.51 45.65 13.12 58.77 33.30 92.07 7.93 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 7 of 20

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 2232

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Cable factories (Pabrik Kabel)

BAND

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

25 75 150 250 400 625 875 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. 15 1 5 1 2 5 3 2 8 2 1 8 7 7 8 16 23 23 62 15 214

15 16 21 22 24 29 32 34 42 44 45 53 60 67 75 91 114 137 199 214

7.01 7.01 0.47 7.48 2.34 9.81 0.47 10.28 0.93 11.21 2.34 13.55 1.40 14.95 0.93 15.89 3.74 19.63 0.93 20.56 0.47 21.03 3.74 24.77 3.27 28.04 3.27 31.31 3.74 35.05 7.48 42.52 10.75 53.27 10.75 64.02 28.97 92.99 7.01 100.00

61.19 0.18 19.79 0.36 0.90 10.92 9.66 4.80 19.02 6.68 2.78 28.18 40.47 59.00 74.80 179.45 269.04 282.75 811.78 548.67 2,430.42

61.19 61.37 81.16 81.52 82.42 93.34 103.00 107.80 126.82 133.50 136.28 164.46 204.93 263.93 338.73 518.18 787.22 1,069.97 1,881.75 2,430.42

2.52 2.52 0.01 2.53 0.81 3.34 0.01 3.35 0.04 3.39 0.45 3.84 0.40 4.24 0.20 4.44 0.78 5.22 0.27 5.49 0.11 5.61 1.16 6.77 1.67 8.43 2.43 10.86 3.08 13.94 7.38 21.32 11.07 32.39 11.63 44.02 33.40 77.42 22.58 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 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 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

0.00 0.00 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 0.00 0.00 0.00 0.00 0.00 50.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 50.00 0.00 100.00 50.00 0.00 100.00 50.00 0.00 100.00 50.00 0.00 100.00 50.00 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 66.85 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.76 9.65 6.35 4.67 2.66 2.06

2.06

Page 8 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 2261

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Radio and television receiver factories and or assembling plants, audio and audio video recorder and or player factories and or assembling plants (Pabrik pembuatan/perakitan radio dan televisi, pabrik pembuatan/perakitan peralatan audio dan audio video-tape recorder/player)

BAND

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

25 75 150 250 400 625 875 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. 57 14 19 31 51 14 32 24 16 9 7 17 6 23 6 18 16 16 11 14 401

57 71 90 121 172 186 218 242 258 267 274 291 297 320 326 344 360 376 387 401

14.21 14.21 3.49 17.71 4.74 22.44 7.73 30.17 12.72 42.89 3.49 46.38 7.98 54.36 5.99 60.35 3.99 64.34 2.24 66.58 1.75 68.33 4.24 72.57 1.50 74.06 5.74 79.80 1.50 81.30 4.49 85.79 3.99 89.78 3.99 93.77 2.74 96.51 3.49 100.00

29.51 9.88 2.02 5.96 19.78 11.70 20.92 41.23 10.00 12.97 2.09 25.27 18.77 132.64 18.96 133.82 153.13 52.50 98.93 79.18 879.26

29.51 39.39 41.41 47.37 67.15 78.85 99.76 140.99 150.99 163.96 166.06 191.32 210.09 342.73 361.69 495.51 648.65 701.14 800.08 879.26

3.36 3.36 1.12 4.48 0.23 4.71 0.68 5.39 2.25 7.64 1.33 8.97 2.38 11.35 4.69 16.04 1.14 17.17 1.48 18.65 0.24 18.89 2.87 21.76 2.14 23.89 15.09 38.98 2.16 41.14 15.22 56.36 17.42 73.77 5.97 79.74 11.25 90.99 9.01 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 6 0 0 0 0 0 0 0 0 0 0 0 0 4 0 0 0 2 4 4 20

6 6 6 6 6 6 6 6 6 6 6 6 6 10 10 10 10 12 16 20

30.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 20.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 10.00 60.00 20.00 80.00 20.00 100.00

98.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.71 0.00 0.00 0.00 11.57 885.23 196.09 1,205.85

98.25 98.25 98.25 98.25 98.25 98.25 98.25 98.25 98.25 98.25 98.25 98.25 98.25 112.96 112.96 112.96 112.96 124.53 1,009.76 1,205.85

8.15 8.15 332.98 332.98 0.00 8.15 0.00 249.43 0.00 8.15 0.00 237.27 0.00 8.15 0.00 207.41 0.00 8.15 0.00 146.32 0.00 8.15 0.00 124.60 0.00 8.15 0.00 98.48 0.00 8.15 0.00 69.68 0.00 8.15 0.00 65.07 0.00 8.15 0.00 59.92 0.00 8.15 0.00 59.17 0.00 8.15 0.00 51.35 0.00 8.15 0.00 46.76 1.22 9.37 11.09 32.96 0.00 9.37 0.00 31.23 0.00 9.37 0.00 22.80 0.00 9.37 0.00 17.41 0.96 10.33 22.04 17.76 73.41 83.74 894.78 126.21 16.26 100.00 247.64 137.14 137.14

Page 9 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 2261

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

BAND

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

25 75 150 250 400 625 875 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. 98 17 14 9 31 16 15 15 9 7 3 10 2 16 5 21 14 9 22 16 349

98 115 129 138 169 185 200 215 224 231 234 244 246 262 267 288 302 311 333 349

28.08 28.08 4.87 32.95 4.01 36.96 2.58 39.54 8.88 48.42 4.58 53.01 4.30 57.31 4.30 61.60 2.58 64.18 2.01 66.19 0.86 67.05 2.87 69.91 0.57 70.49 4.58 75.07 1.43 76.50 6.02 82.52 4.01 86.53 2.58 89.11 6.30 95.42 4.58 100.00

120.60 28.78 35.33 1.98 19.44 18.98 21.86 24.35 43.73 15.97 25.67 63.48 6.44 128.13 47.32 277.17 236.41 133.92 214.61 71.90 1,536.06

120.60 149.38 184.72 186.69 206.13 225.11 246.97 271.32 315.05 331.01 356.68 420.16 426.60 554.73 602.05 879.22 1,115.63 1,249.55 1,464.16 1,536.06

7.85 7.85 1.87 9.72 2.30 12.03 0.13 12.15 1.27 13.42 1.24 14.66 1.42 16.08 1.59 17.66 2.85 20.51 1.04 21.55 1.67 23.22 4.13 27.35 0.42 27.77 8.34 36.11 3.08 39.19 18.04 57.24 15.39 72.63 8.72 81.35 13.97 95.32 4.68 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 2 3 0 0 4 5 0 0 0 0 0 0 0 0 3 0 0 0 2 0 19

2 5 5 5 9 14 14 14 14 14 14 14 14 14 17 17 17 17 19 19

10.53 10.53 15.79 26.32 0.00 26.32 0.00 26.32 21.05 47.37 26.32 73.68 0.00 73.68 0.00 73.68 0.00 73.68 0.00 73.68 0.00 73.68 0.00 73.68 0.00 73.68 0.00 73.68 15.79 89.47 0.00 89.47 0.00 89.47 0.00 89.47 10.53 100.00 0.00 100.00

0.00 149.71 0.00 0.00 85.47 54.58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 68.62 0.00 0.00 0.00 2.03 0.00 360.42

0.00 149.71 149.71 149.71 235.19 289.77 289.77 289.77 289.77 289.77 289.77 289.77 289.77 289.77 358.39 358.39 358.39 358.39 360.42 360.42

0.00 0.00 41.54 41.54 0.00 41.54 0.00 41.54 23.72 65.25 15.14 80.40 0.00 80.40 0.00 80.40 0.00 80.40 0.00 80.40 0.00 80.40 0.00 80.40 0.00 80.40 0.00 80.40 19.04 99.44 0.00 99.44 0.00 99.44 0.00 99.44 0.56 100.00 0.00 100.00

0.00 520.17 0.00 0.00 439.69 287.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 145.01 0.00 0.00 0.00 0.94 0.00

0.00 100.22 81.05 80.19 114.10 128.72 117.33 106.80 91.98 87.54 81.24 68.97 67.93 52.24 59.53 40.76 32.12 28.68 24.62 23.46

23.46

Page 10 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 2261

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

BAND

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

25 75 150 250 400 625 875 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. 70 16 13 8 25 10 13 8 7 6 4 7 7 17 8 17 22 18 14 20 310

70 86 99 107 132 142 155 163 170 176 180 187 194 211 219 236 258 276 290 310

22.58 22.58 5.16 27.74 4.19 31.94 2.58 34.52 8.06 42.58 3.23 45.81 4.19 50.00 2.58 52.58 2.26 54.84 1.94 56.77 1.29 58.06 2.26 60.32 2.26 62.58 5.48 68.06 2.58 70.65 5.48 76.13 7.10 83.23 5.81 89.03 4.52 93.55 6.45 100.00

242.29 2.11 30.68 2.54 45.88 43.77 41.44 9.13 17.88 9.97 24.09 60.81 44.78 187.27 118.11 209.14 378.75 242.71 210.35 124.67 2,046.35

242.29 244.40 275.08 277.62 323.50 367.26 408.70 417.84 435.71 445.69 469.78 530.58 575.36 762.63 880.74 1,089.88 1,468.63 1,711.34 1,921.68 2,046.35

11.84 11.84 0.10 11.94 1.50 13.44 0.12 13.57 2.24 15.81 2.14 17.95 2.02 19.97 0.45 20.42 0.87 21.29 0.49 21.78 1.18 22.96 2.97 25.93 2.19 28.12 9.15 37.27 5.77 43.04 10.22 53.26 18.51 71.77 11.86 83.63 10.28 93.91 6.09 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 0 0 2 0 0 0 0 0 0 2 0 0 0 0 0 0 2 3 0 0 9

0 0 2 2 2 2 2 2 2 4 4 4 4 4 4 4 6 9 9 9

0.00 0.00 0.00 0.00 22.22 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 0.00 22.22 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 22.22 66.67 33.33 100.00 0.00 100.00 0.00 100.00

0.00 0.00 9.08 0.00 0.00 0.00 0.00 0.00 0.00 5.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 93.06 0.00 0.00 107.77

0.00 0.00 9.08 9.08 9.08 9.08 9.08 9.08 9.08 14.71 14.71 14.71 14.71 14.71 14.71 14.71 14.71 107.77 107.77 107.77

0.00 0.00 0.00 0.00 8.43 8.43 0.00 8.43 0.00 8.43 0.00 8.43 0.00 8.43 0.00 8.43 0.00 8.43 5.22 13.65 0.00 13.65 0.00 13.65 0.00 13.65 0.00 13.65 0.00 13.65 0.00 13.65 0.00 13.65 86.35 100.00 0.00 100.00 0.00 100.00

0.00 0.00 29.61 0.00 0.00 0.00 0.00 0.00 0.00 56.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 38.34 0.00 0.00

0.00 0.00 3.30 3.27 2.81 2.47 2.22 2.17 2.08 3.30 3.13 2.77 2.56 1.93 1.67 1.35 1.00 6.30 5.61 5.27

5.27

Page 11 of 20

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 2261

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

BAND

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

25 75 150 250 400 625 875 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. 58 5 13 13 16 8 11 12 6 11 3 5 4 5 3 20 20 7 31 21 272

58 63 76 89 105 113 124 136 142 153 156 161 165 170 173 193 213 220 251 272

21.32 21.32 1.84 23.16 4.78 27.94 4.78 32.72 5.88 38.60 2.94 41.54 4.04 45.59 4.41 50.00 2.21 52.21 4.04 56.25 1.10 57.35 1.84 59.19 1.47 60.66 1.84 62.50 1.10 63.60 7.35 70.96 7.35 78.31 2.57 80.88 11.40 92.28 7.72 100.00

44.72 0.48 1.96 3.66 8.71 6.41 17.99 16.11 12.88 24.24 8.87 41.25 28.89 50.22 32.30 257.46 333.91 125.64 160.59 245.92 1,422.21

44.72 45.20 47.16 50.82 59.53 65.94 83.93 100.04 112.92 137.16 146.02 187.27 216.16 266.38 298.68 556.14 890.05 1,015.69 1,176.29 1,422.21

3.14 3.14 0.03 3.18 0.14 3.32 0.26 3.57 0.61 4.19 0.45 4.64 1.27 5.90 1.13 7.03 0.91 7.94 1.70 9.64 0.62 10.27 2.90 13.17 2.03 15.20 3.53 18.73 2.27 21.00 18.10 39.10 23.48 62.58 8.83 71.42 11.29 82.71 17.29 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 0 5

2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 5 5

40.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 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 60.00 100.00 0.00 100.00

8.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.75 0.00 10.13

8.38 8.38 8.38 8.38 8.38 8.38 8.38 8.38 8.38 8.38 8.38 8.38 8.38 8.38 8.38 8.38 8.38 8.38 10.13 10.13

82.68 82.68 0.00 82.68 0.00 82.68 0.00 82.68 0.00 82.68 0.00 82.68 0.00 82.68 0.00 82.68 0.00 82.68 0.00 82.68 0.00 82.68 0.00 82.68 0.00 82.68 0.00 82.68 0.00 82.68 0.00 82.68 0.00 82.68 0.00 82.68 17.32 100.00 0.00 100.00

18.73 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.09 0.00

18.73 18.53 17.76 16.48 14.07 12.70 9.98 8.37 7.42 6.11 5.74 4.47 3.88 3.14 2.80 1.51 0.94 0.82 0.86 0.71

0.71

Page 12 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 2961

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Motor vehicle repairshops with facilities for body repair work (including welding/soldering and spray painting) and service stations (parts replacement, replacing/ topping up engine oil/brake fluid, lubrication and engine/body/chassis scrubbing/washing (Bengkel kendaraan bermotor dengan fasilitas perbaikan body kendaraan/body repair work (termasuk pengelasan dan pengecatan dengan cara semprot) dan unit pelayanan meliputi : penggantian suku cadang, ganti oli mesin, transmisi, gardan, minyak rem, pencucian mesin, body, chassis)

BAND

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

25 75 150 250 400 625 875 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. 679 516 704 422 547 315 285 289 189 116 83 124 71 90 56 81 38 7 4 6 4,622

679 1,195 1,899 2,321 2,868 3,183 3,468 3,757 3,946 4,062 4,145 4,269 4,340 4,430 4,486 4,567 4,605 4,612 4,616 4,622

14.69 14.69 11.16 25.85 15.23 41.09 9.13 50.22 11.83 62.05 6.82 68.87 6.17 75.03 6.25 81.29 4.09 85.37 2.51 87.88 1.80 89.68 2.68 92.36 1.54 93.90 1.95 95.85 1.21 97.06 1.75 98.81 0.82 99.63 0.15 99.78 0.09 99.87 0.13 100.00

436.88 186.14 368.45 347.83 643.62 476.35 601.34 794.47 611.23 447.13 392.65 744.42 564.30 685.33 507.36 1,175.14 482.44 111.13 34.84 1,055.16 10,666.21

436.88 623.02 991.47 1,339.30 1,982.92 2,459.27 3,060.61 3,855.09 4,466.31 4,913.44 5,306.09 6,050.50 6,614.80 7,300.13 7,807.49 8,982.63 9,465.07 9,576.20 9,611.04 10,666.21

4.10 4.10 1.75 5.84 3.45 9.30 3.26 12.56 6.03 18.59 4.47 23.06 5.64 28.69 7.45 36.14 5.73 41.87 4.19 46.07 3.68 49.75 6.98 56.73 5.29 62.02 6.43 68.44 4.76 73.20 11.02 84.22 4.52 88.74 1.04 89.78 0.33 90.11 9.89 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 6 0 11 2 2 4 10 2 0 2 2 19 5 9 2 6 0 0 0 0 82

6 6 17 19 21 25 35 37 37 39 41 60 65 74 76 82 82 82 82 82

7.32 0.00 13.41 2.44 2.44 4.88 12.20 2.44 0.00 2.44 2.44 23.17 6.10 10.98 2.44 7.32 0.00 0.00 0.00 0.00

7.32 7.32 20.73 23.17 25.61 30.49 42.68 45.12 45.12 47.56 50.00 73.17 79.27 90.24 92.68 100.00 100.00 100.00 100.00 100.00

276.23 0.00 184.26 113.12 20.98 996.94 488.22 55.69 0.00 17.78 27.63 2,761.29 360.14 1,623.20 2.63 2.97 0.00 0.00 0.00 0.00 6,931.08

276.23 276.23 460.50 573.61 594.59 1,591.54 2,079.76 2,135.45 2,135.45 2,153.23 2,180.85 4,942.14 5,302.29 6,925.48 6,928.11 6,931.08 6,931.08 6,931.08 6,931.08 6,931.08

3.99 0.00 2.66 1.63 0.30 14.38 7.04 0.80 0.00 0.26 0.40 39.84 5.20 23.42 0.04 0.04 0.00 0.00 0.00 0.00

3.99 63.23 3.99 0.00 6.64 50.01 8.28 32.52 8.58 3.26 22.96 209.29 30.01 81.19 30.81 7.01 30.81 0.00 31.07 3.98 31.46 7.04 71.30 370.93 76.50 63.82 99.92 236.85 99.96 0.52 100.00 0.25 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00

63.23 44.34 46.45 42.83 29.99 64.72 67.95 55.39 47.81 43.82 41.10 81.68 80.16 94.87 88.74 77.16 73.23 72.38 72.12 64.98

64.98

Page 13 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 2961

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

BAND

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

25 75 150 250 400 625 875 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. 699 553 773 491 675 386 312 361 200 135 109 140 107 123 81 200 106 13 10 4 5,478

699 1,252 2,025 2,516 3,191 3,577 3,889 4,250 4,450 4,585 4,694 4,834 4,941 5,064 5,145 5,345 5,451 5,464 5,474 5,478

12.76 12.76 10.09 22.86 14.11 36.97 8.96 45.93 12.32 58.25 7.05 65.30 5.70 70.99 6.59 77.58 3.65 81.23 2.46 83.70 1.99 85.69 2.56 88.24 1.95 90.20 2.25 92.44 1.48 93.92 3.65 97.57 1.94 99.51 0.24 99.74 0.18 99.93 0.07 100.00

737.26 179.64 378.86 419.19 713.64 561.41 634.60 973.99 725.05 604.18 493.72 752.56 733.19 981.15 896.12 3,996.53 2,607.15 226.81 143.84 981.90 17,740.79

737.26 916.90 1,295.76 1,714.94 2,428.58 2,990.00 3,624.60 4,598.60 5,323.65 5,927.82 6,421.55 7,174.11 7,907.30 8,888.45 9,784.57 13,781.09 16,388.24 16,615.05 16,758.89 17,740.79

4.16 4.16 1.01 5.17 2.14 7.30 2.36 9.67 4.02 13.69 3.16 16.85 3.58 20.43 5.49 25.92 4.09 30.01 3.41 33.41 2.78 36.20 4.24 40.44 4.13 44.57 5.53 50.10 5.05 55.15 22.53 77.68 14.70 92.38 1.28 93.65 0.81 94.47 5.53 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 10 0 0 2 2 2 2 6 0 8 4 4 5 13 8 0 4 4 2 3 79

10 10 10 12 14 16 18 24 24 32 36 40 45 58 66 66 70 74 76 79

12.66 12.66 0.00 12.66 0.00 12.66 2.53 15.19 2.53 17.72 2.53 20.25 2.53 22.78 7.59 30.38 0.00 30.38 10.13 40.51 5.06 45.57 5.06 50.63 6.33 56.96 16.46 73.42 10.13 83.54 0.00 83.54 5.06 88.61 5.06 93.67 2.53 96.20 3.80 100.00

2,543.56 0.00 0.00 152.84 12.12 63.99 17.85 244.71 0.00 164.67 89.77 116.33 117.81 1,120.25 459.07 0.00 2.77 21.44 13.77 274.31 5,415.25

2,543.56 2,543.56 2,543.56 2,696.40 2,708.52 2,772.51 2,790.36 3,035.06 3,035.06 3,199.74 3,289.51 3,405.84 3,523.65 4,643.89 5,102.97 5,102.97 5,105.73 5,127.17 5,140.94 5,415.25

46.97 46.97 345.00 345.00 0.00 46.97 0.00 277.41 0.00 46.97 0.00 196.30 2.82 49.79 36.46 157.23 0.22 50.02 1.70 111.53 1.18 51.20 11.40 92.73 0.33 51.53 2.81 76.98 4.52 56.05 25.12 66.00 0.00 56.05 0.00 57.01 3.04 59.09 27.26 53.98 1.66 60.75 18.18 51.23 2.15 62.89 15.46 47.47 2.18 65.07 16.07 44.56 20.69 85.76 114.18 52.25 8.48 94.23 51.23 52.15 0.00 94.23 0.00 37.03 0.05 94.28 0.11 31.15 0.40 94.68 9.45 30.86 0.25 94.93 9.57 30.68 5.07 100.00 27.94 30.52 30.52

Page 14 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 2961

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

BAND

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

25 75 150 250 400 625 875 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. 1,321 684 901 556 699 435 376 392 240 138 119 174 144 193 106 333 227 71 43 8 7,160

1,321 2,005 2,906 3,462 4,161 4,596 4,972 5,364 5,604 5,742 5,861 6,035 6,179 6,372 6,478 6,811 7,038 7,109 7,152 7,160

18.45 18.45 9.55 28.00 12.58 40.59 7.77 48.35 9.76 58.11 6.08 64.19 5.25 69.44 5.47 74.92 3.35 78.27 1.93 80.20 1.66 81.86 2.43 84.29 2.01 86.30 2.70 88.99 1.48 90.47 4.65 95.13 3.17 98.30 0.99 99.29 0.60 99.89 0.11 100.00

785.19 148.56 307.45 354.52 667.16 542.92 633.17 849.54 688.45 510.38 454.41 898.30 804.68 1,313.33 869.22 5,087.66 4,251.23 665.34 426.42 1,249.08 21,506.99

785.19 933.74 1,241.19 1,595.71 2,262.87 2,805.79 3,438.95 4,288.49 4,976.94 5,487.31 5,941.72 6,840.03 7,644.71 8,958.04 9,827.26 14,914.92 19,166.15 19,831.49 20,257.91 21,506.99

3.65 3.65 0.69 4.34 1.43 5.77 1.65 7.42 3.10 10.52 2.52 13.05 2.94 15.99 3.95 19.94 3.20 23.14 2.37 25.51 2.11 27.63 4.18 31.80 3.74 35.55 6.11 41.65 4.04 45.69 23.66 69.35 19.77 89.12 3.09 92.21 1.98 94.19 5.81 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 13 1 2 2 4 2 1 7 0 2 2 4 0 10 6 12 2 3 8 2 83

13 14 16 18 22 24 25 32 32 34 36 40 40 50 56 68 70 73 81 83

15.66 15.66 1.20 16.87 2.41 19.28 2.41 21.69 4.82 26.51 2.41 28.92 1.20 30.12 8.43 38.55 0.00 38.55 2.41 40.96 2.41 43.37 4.82 48.19 0.00 48.19 12.05 60.24 7.23 67.47 14.46 81.93 2.41 84.34 3.61 87.95 9.64 97.59 2.41 100.00

258.55 0.00 28.52 24.43 43.34 1.19 0.00 247.89 0.00 26.96 4.05 97.14 0.00 17.07 2.24 55.62 13.49 77.45 99.27 13.57 1,010.78

258.55 258.55 287.06 311.50 354.83 356.02 356.02 603.91 603.91 630.87 634.92 732.06 732.06 749.13 751.37 806.99 820.49 897.94 997.21 1,010.78

25.58 25.58 0.00 25.58 2.82 28.40 2.42 30.82 4.29 35.10 0.12 35.22 0.00 35.22 24.52 59.75 0.00 59.75 2.67 62.41 0.40 62.82 9.61 72.43 0.00 72.43 1.69 74.11 0.22 74.34 5.50 79.84 1.33 81.17 7.66 88.84 9.82 98.66 1.34 100.00

32.93 0.00 9.27 6.89 6.50 0.22 0.00 29.18 0.00 5.28 0.89 10.81 0.00 1.30 0.26 1.09 0.32 11.64 23.28 1.09

32.93 27.69 23.13 19.52 15.68 12.69 10.35 14.08 12.13 11.50 10.69 10.70 9.58 8.36 7.65 5.41 4.28 4.53 4.92 4.70

4.70

Page 15 of 20

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 2961

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

BAND

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

25 75 150 250 400 625 875 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. 530 365 555 395 518 330 305 335 214 120 101 162 123 161 99 238 185 58 18 3 4,815

530 895 1,450 1,845 2,363 2,693 2,998 3,333 3,547 3,667 3,768 3,930 4,053 4,214 4,313 4,551 4,736 4,794 4,812 4,815

11.01 11.01 7.58 18.59 11.53 30.11 8.20 38.32 10.76 49.08 6.85 55.93 6.33 62.26 6.96 69.22 4.44 73.67 2.49 76.16 2.10 78.26 3.36 81.62 2.55 84.17 3.34 87.52 2.06 89.57 4.94 94.52 3.84 98.36 1.20 99.56 0.37 99.94 0.06 100.00

381.71 118.19 252.27 265.79 518.81 456.19 512.18 761.54 724.12 367.34 409.00 2,138.40 632.93 819.26 660.89 1,434.95 1,255.03 589.41 286.37 920.53 13,504.92

381.71 499.90 752.18 1,017.97 1,536.78 1,992.97 2,505.14 3,266.69 3,990.81 4,358.15 4,767.15 6,905.55 7,538.48 8,357.74 9,018.63 10,453.58 11,708.61 12,298.02 12,584.39 13,504.92

2.83 2.83 0.88 3.70 1.87 5.57 1.97 7.54 3.84 11.38 3.38 14.76 3.79 18.55 5.64 24.19 5.36 29.55 2.72 32.27 3.03 35.30 15.83 51.13 4.69 55.82 6.07 61.89 4.89 66.78 10.63 77.41 9.29 86.70 4.36 91.06 2.12 93.18 6.82 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 1 2 0 0 2 0 4 0 4 0 0 0 2 0 3 3 0 0 0 0 21

1 3 3 3 5 5 9 9 13 13 13 13 15 15 18 21 21 21 21 21

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

4.76 14.29 14.29 14.29 23.81 23.81 42.86 42.86 61.90 61.90 61.90 61.90 71.43 71.43 85.71 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 1.62 0.00 13.11 0.00 13.42 0.00 0.00 0.00 10.60 0.00 0.00 68.96 0.00 0.00 0.00 0.00 107.70

0.00 0.00 0.00 0.00 1.62 1.62 14.74 14.74 28.15 28.15 28.15 28.15 38.75 38.75 38.75 107.70 107.70 107.70 107.70 107.70

0.00 0.00 0.00 0.00 1.51 0.00 12.18 0.00 12.46 0.00 0.00 0.00 9.84 0.00 0.00 64.02 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 1.51 1.51 13.68 13.68 26.14 26.14 26.14 26.14 35.98 35.98 35.98 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.31 0.00 2.56 0.00 1.85 0.00 0.00 0.00 1.67 0.00 0.00 4.81 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.11 0.08 0.59 0.45 0.71 0.65 0.59 0.41 0.51 0.46 0.43 1.03 0.92 0.88 0.86 0.80

0.80

Page 16 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2009 2976

DATA POSITION FROM : 01/01/2009 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Dwelling houses, not classified as shop houses, not exceeding 3 storeys) (Rumah tinggal, tidak diklasifikasikan sebagai ruko, tidak lebih dari 3 lantai)

BAND

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

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

25 110,529 110,529 75 108,802 219,331 150 134,188 353,519 250 76,874 430,393 400 76,184 506,577 625 34,543 541,120 875 22,009 563,129 1,250 14,623 577,752 1,750 6,715 584,467 2,250 3,084 587,551 2,750 2,122 589,673 3,500 2,129 591,802 4,500 1,134 592,936 6,250 1,106 594,042 8,750 599 594,641 15,000 689 595,330 35,000 401 595,731 75,000 140 595,871 300,000 85 595,956 11 595,967 595,967

18.55 18.55 18.26 36.80 22.52 59.32 12.90 72.22 12.78 85.00 5.80 90.80 3.69 94.49 2.45 96.94 1.13 98.07 0.52 98.59 0.36 98.94 0.36 99.30 0.19 99.49 0.19 99.68 0.10 99.78 0.12 99.89 0.07 99.96 0.02 99.98 0.01 100.00 0.00 100.00

12,515.78 13,190.21 26,728.12 20,514.80 30,419.70 20,105.35 17,571.28 17,422.67 11,113.64 7,025.02 5,171.67 6,202.92 4,079.38 5,168.06 3,454.98 4,725.00 3,756.75 2,046.49 1,038.47 3,153.36 215,403.63

12,515.78 25,705.99 52,434.11 72,948.91 103,368.61 123,473.95 141,045.24 158,467.90 169,581.54 176,606.57 181,778.24 187,981.16 192,060.54 197,228.60 200,683.58 205,408.58 209,165.32 211,211.81 212,250.28 215,403.63

5.81 5.81 6.12 11.93 12.41 24.34 9.52 33.87 14.12 47.99 9.33 57.32 8.16 65.48 8.09 73.57 5.16 78.73 3.26 81.99 2.40 84.39 2.88 87.27 1.89 89.16 2.40 91.56 1.60 93.17 2.19 95.36 1.74 97.10 0.95 98.05 0.48 98.54 1.46 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 290 224 516 290 343 146 133 108 120 56 54 38 38 41 191 32 26 27 44 6 2,723

290 514 1,030 1,320 1,663 1,809 1,942 2,050 2,170 2,226 2,280 2,318 2,356 2,397 2,588 2,620 2,646 2,673 2,717 2,723

10.65 10.65 8.23 18.88 18.95 37.83 10.65 48.48 12.60 61.07 5.36 66.43 4.88 71.32 3.97 75.28 4.41 79.69 2.06 81.75 1.98 83.73 1.40 85.13 1.40 86.52 1.51 88.03 7.01 95.04 1.18 96.22 0.95 97.17 0.99 98.16 1.62 99.78 0.22 100.00

5,568.27 4,284.73 10,081.52 8,203.37 13,567.54 8,948.84 6,707.30 2,060.27 3,213.78 2,806.71 2,721.78 1,816.25 6,393.28 1,803.20 2,125.78 2,158.87 5,128.62 5,424.75 1,063.65 533.34 94,611.83

5,568.27 9,853.00 19,934.52 28,137.89 41,705.43 50,654.26 57,361.56 59,421.83 62,635.61 65,442.32 68,164.11 69,980.36 76,373.64 78,176.83 80,302.61 82,461.48 87,590.10 93,014.85 94,078.49 94,611.83

5.89 5.89 4.53 10.41 10.66 21.07 8.67 29.74 14.34 44.08 9.46 53.54 7.09 60.63 2.18 62.81 3.40 66.20 2.97 69.17 2.88 72.05 1.92 73.97 6.76 80.72 1.91 82.63 2.25 84.88 2.28 87.16 5.42 92.58 5.73 98.31 1.12 99.44 0.56 100.00

44.49 32.48 37.72 39.99 44.60 44.51 38.17 11.83 28.92 39.95 52.63 29.28 156.72 34.89 61.53 45.69 136.52 265.08 102.42 16.91

44.49 38.33 38.02 38.57 40.35 41.02 40.67 37.50 36.94 37.06 37.50 37.23 39.77 39.64 40.01 40.15 41.88 44.04 44.32 43.92

43.92

Page 17 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2010 2976

DATA POSITION FROM : 01/01/2010 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Dwelling houses, not classified as shop houses, not exceeding 3 storeys) (Rumah tinggal, tidak diklasifikasikan sebagai ruko, tidak lebih dari 3 lantai)

BAND

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

25 75 150 250 400 625 875 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. 85,619 99,717 137,38 81,6369 82,980 38,362 24,114 16,735 8,246 3,787 2,883 2,847 1,697 1,667 863 939 494 143 101 29 590,24 8

85,619 185,336 322,725 404,361 487,341 525,703 549,817 566,552 574,798 578,585 581,468 584,315 586,012 587,679 588,542 589,481 589,975 590,118 590,219 590,248

14.51 14.51 16.89 31.40 23.28 54.68 13.83 68.51 14.06 82.57 6.50 89.06 4.09 93.15 2.84 95.99 1.40 97.38 0.64 98.02 0.49 98.51 0.48 98.99 0.29 99.28 0.28 99.56 0.15 99.71 0.16 99.87 0.08 99.95 0.02 99.98 0.02 100.00 0.00 100.00

10,245.22 10,418.35 23,651.84 20,052.46 30,861.64 21,240.43 18,968.53 18,663.97 12,856.36 7,270.24 6,172.63 7,544.71 5,177.37 5,999.54 4,348.70 5,715.34 4,130.08 1,473.99 3,006.25 566.04 218,363.69

10,245.22 20,663.58 44,315.42 64,367.87 95,229.51 116,469.94 135,438.47 154,102.44 166,958.79 174,229.03 180,401.67 187,946.38 193,123.74 199,123.28 203,471.99 209,187.32 213,317.40 214,791.39 217,797.65 218,363.69

4.69 4.69 4.77 9.46 10.83 20.29 9.18 29.48 14.13 43.61 9.73 53.34 8.69 62.02 8.55 70.57 5.89 76.46 3.33 79.79 2.83 82.62 3.46 86.07 2.37 88.44 2.75 91.19 1.99 93.18 2.62 95.80 1.89 97.69 0.68 98.36 1.38 99.74 0.26 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 75 128 189 144 203 94 45 73 40 34 11 26 12 30 12 38 35 15 7 9 1,220

75 203 392 536 739 833 878 951 991 1,025 1,036 1,062 1,074 1,104 1,116 1,154 1,189 1,204 1,211 1,220

6.15 6.15 10.49 16.64 15.49 32.13 11.80 43.93 16.64 60.57 7.70 68.28 3.69 71.97 5.98 77.95 3.28 81.23 2.79 84.02 0.90 84.92 2.13 87.05 0.98 88.03 2.46 90.49 0.98 91.48 3.11 94.59 2.87 97.46 1.23 98.69 0.57 99.26 0.74 100.00

975.75 2,014.77 5,369.23 3,539.36 5,802.37 3,353.51 1,892.91 754.85 1,159.42 483.67 124.74 169.88 142.79 426.92 81.80 902.15 1,462.91 295.43 42.35 65.66 29,060.47

975.75 2,990.52 8,359.75 11,899.12 17,701.49 21,054.99 22,947.90 23,702.75 24,862.17 25,345.84 25,470.58 25,640.46 25,783.25 26,210.17 26,291.97 27,194.12 28,657.03 28,952.46 28,994.81 29,060.47

3.36 3.36 6.93 10.29 18.48 28.77 12.18 40.95 19.97 60.91 11.54 72.45 6.51 78.97 2.60 81.56 3.99 85.55 1.66 87.22 0.43 87.65 0.58 88.23 0.49 88.72 1.47 90.19 0.28 90.47 3.10 93.58 5.03 98.61 1.02 99.63 0.15 99.77 0.23 100.00

9.52 19.34 22.70 17.65 18.80 15.79 9.98 4.04 9.02 6.65 2.02 2.25 2.76 7.12 1.88 15.78 35.42 20.04 1.41 11.60

9.52 14.47 18.86 18.49 18.59 18.08 16.94 15.38 14.89 14.55 14.12 13.64 13.35 13.16 12.92 13.00 13.43 13.48 13.31 13.31

13.31

Page 18 of 20

RISK AND LOSS PROFILE 2011 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2011 2976

DATA POSITION FROM : 01/01/2011 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Dwelling houses, not classified as shop houses, not exceeding 3 storeys) (Rumah tinggal, tidak diklasifikasikan sebagai ruko, tidak lebih dari 3 lantai)

BAND

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

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

25 109,163 109,163 75 113,092 222,255 150 152,770 375,025 250 86,232 461,257 400 86,248 547,505 625 41,957 589,462 875 28,436 617,898 1,250 23,513 641,411 1,750 13,869 655,280 2,250 7,940 663,220 2,750 6,807 670,027 3,500 7,750 677,777 4,500 5,368 683,145 6,250 5,768 688,913 8,750 3,318 692,231 15,000 3,317 695,548 35,000 1,488 697,036 75,000 331 697,367 300,000 166 697,533 129 697,662 697,662

15.65 15.65 16.21 31.86 21.90 53.75 12.36 66.11 12.36 78.48 6.01 84.49 4.08 88.57 3.37 91.94 1.99 93.93 1.14 95.06 0.98 96.04 1.11 97.15 0.77 97.92 0.83 98.75 0.48 99.22 0.48 99.70 0.21 99.91 0.05 99.96 0.02 99.98 0.02 100.00

10,723.48 9,021.90 22,149.10 18,733.72 29,381.76 21,356.34 18,514.07 20,258.03 13,906.28 8,758.67 7,655.81 9,343.46 6,971.68 9,033.83 6,226.44 8,740.50 6,627.78 3,079.37 2,363.48 3,966.34 236,812.07

10,723.48 19,745.39 41,894.49 60,628.21 90,009.97 111,366.31 129,880.38 150,138.41 164,044.70 172,803.37 180,459.18 189,802.64 196,774.32 205,808.15 212,034.59 220,775.09 227,402.87 230,482.24 232,845.72 236,812.07

4.53 4.53 3.81 8.34 9.35 17.69 7.91 25.60 12.41 38.01 9.02 47.03 7.82 54.85 8.55 63.40 5.87 69.27 3.70 72.97 3.23 76.20 3.95 80.15 2.94 83.09 3.81 86.91 2.63 89.54 3.69 93.23 2.80 96.03 1.30 97.33 1.00 98.33 1.67 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 111 73 124 68 87 49 48 57 63 32 39 22 19 22 34 13 61 22 16 5 965

111 184 308 376 463 512 560 617 680 712 751 773 792 814 848 861 922 944 960 965

11.50 11.50 7.56 19.07 12.85 31.92 7.05 38.96 9.02 47.98 5.08 53.06 4.97 58.03 5.91 63.94 6.53 70.47 3.32 73.78 4.04 77.82 2.28 80.10 1.97 82.07 2.28 84.35 3.52 87.88 1.35 89.22 6.32 95.54 2.28 97.82 1.66 99.48 0.52 100.00

3,108.18 1,646.58 4,197.61 2,920.66 3,504.45 1,136.80 1,963.03 2,468.22 1,886.21 587.76 651.09 647.03 296.31 826.28 4,575.13 67.97 1,880.38 422.08 452.30 112.78 33,350.85

3,108.18 4,754.76 8,952.37 11,873.03 15,377.48 16,514.28 18,477.32 20,945.54 22,831.75 23,419.51 24,070.60 24,717.63 25,013.94 25,840.21 30,415.35 30,483.31 32,363.69 32,785.77 33,238.07 33,350.85

9.32 9.32 4.94 14.26 12.59 26.84 8.76 35.60 10.51 46.11 3.41 49.52 5.89 55.40 7.40 62.80 5.66 68.46 1.76 70.22 1.95 72.17 1.94 74.11 0.89 75.00 2.48 77.48 13.72 91.20 0.20 91.40 5.64 97.04 1.27 98.31 1.36 99.66 0.34 100.00

28.98 18.25 18.95 15.59 11.93 5.32 10.60 12.18 13.56 6.71 8.50 6.92 4.25 9.15 73.48 0.78 28.37 13.71 19.14 2.84

28.98 24.08 21.37 19.58 17.08 14.83 14.23 13.95 13.92 13.55 13.34 13.02 12.71 12.56 14.34 13.81 14.23 14.22 14.27 14.08

14.08

Page 19 of 20

RISK AND LOSS PROFILE 2012 CLASS OF BUSINESS UNDERWRITING YEAR OCCUPATION CODE

: : :

TOTAL FR, IAR, LOP, EQ 2012 2976

DATA POSITION FROM : 01/01/2012 DATA POSITION TO : 15/12/2012 PROCESSING DATE : 15/03/2013

Dwelling houses, not classified as shop houses, not exceeding 3 storeys) (Rumah tinggal, tidak diklasifikasikan sebagai ruko, tidak lebih dari 3 lantai)

BAND

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

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

25 83,042 83,042 75 80,718 163,760 150 112,256 276,016 250 67,469 343,485 400 69,978 413,463 625 35,197 448,660 875 24,852 473,512 1,250 21,166 494,678 1,750 12,474 507,152 2,250 7,211 514,363 2,750 6,328 520,691 3,500 7,106 527,797 4,500 5,031 532,828 6,250 5,461 538,289 8,750 3,257 541,546 15,000 3,265 544,811 35,000 1,438 546,249 75,000 255 546,504 300,000 172 546,676 154 546,830 546,830

15.19 15.19 14.76 29.95 20.53 50.48 12.34 62.81 12.80 75.61 6.44 82.05 4.54 86.59 3.87 90.46 2.28 92.74 1.32 94.06 1.16 95.22 1.30 96.52 0.92 97.44 1.00 98.44 0.60 99.03 0.60 99.63 0.26 99.89 0.05 99.94 0.03 99.97 0.03 100.00

7,411.82 6,937.16 17,547.75 16,215.84 25,157.42 18,655.58 17,271.81 19,162.25 13,116.10 8,202.00 7,022.41 8,872.03 6,782.36 9,357.91 6,215.74 10,818.28 5,731.95 1,893.71 1,890.40 1,722.22 209,984.73

7,411.82 14,348.98 31,896.73 48,112.57 73,269.99 91,925.57 109,197.37 128,359.63 141,475.73 149,677.73 156,700.14 165,572.16 172,354.52 181,712.44 187,928.18 198,746.46 204,478.41 206,372.11 208,262.51 209,984.73

3.53 3.53 3.30 6.83 8.36 15.19 7.72 22.91 11.98 34.89 8.88 43.78 8.23 52.00 9.13 61.13 6.25 67.37 3.91 71.28 3.34 74.62 4.23 78.85 3.23 82.08 4.46 86.54 2.96 89.50 5.15 94.65 2.73 97.38 0.90 98.28 0.90 99.18 0.82 100.00

CLAIM FREQUENCY CLAIM SEVERITY (in million Rupiah) LOSS RATIO PERCENTAGE PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. BAND CUM. 23 12 33 24 27 12 19 25 8 9 4 3 4 10 0 0 4 0 0 14 231

23 35 68 92 119 131 150 175 183 192 196 199 203 213 213 213 217 217 217 231

9.96 9.96 5.19 15.15 14.29 29.44 10.39 39.83 11.69 51.52 5.19 56.71 8.23 64.94 10.82 75.76 3.46 79.22 3.90 83.12 1.73 84.85 1.30 86.15 1.73 87.88 4.33 92.21 0.00 92.21 0.00 92.21 1.73 93.94 0.00 93.94 0.00 93.94 6.06 100.00

4,266.23 269.94 1,163.57 1,394.16 1,255.29 145.27 855.64 407.81 240.82 375.56 281.00 420.80 38.57 10.61 0.00 0.00 398.06 0.00 0.00 18.75 11,542.08

4,266.23 4,536.17 5,699.74 7,093.90 8,349.19 8,494.46 9,350.09 9,757.91 9,998.73 10,374.29 10,655.29 11,076.09 11,114.66 11,125.27 11,125.27 11,125.27 11,523.33 11,523.33 11,523.33 11,542.08

36.96 36.96 2.34 39.30 10.08 49.38 12.08 61.46 10.88 72.34 1.26 73.60 7.41 81.01 3.53 84.54 2.09 86.63 3.25 89.88 2.43 92.32 3.65 95.96 0.33 96.30 0.09 96.39 0.00 96.39 0.00 96.39 3.45 99.84 0.00 99.84 0.00 99.84 0.16 100.00

57.56 3.89 6.63 8.60 4.99 0.78 4.95 2.13 1.84 4.58 4.00 4.74 0.57 0.11 0.00 0.00 6.94 0.00 0.00 1.09

57.56 31.61 17.87 14.74 11.40 9.24 8.56 7.60 7.07 6.93 6.80 6.69 6.45 6.12 5.92 5.60 5.64 5.58 5.53 5.50

5.50

Page 20 of 20