Statistik BPPDAN Edisi Juni 2009 by Reasuransi Internasional Indonesia

DAFTAR ISI TABEL GABUNGAN BAGIAN I RISK AND LOSS PROFILE 2005

Halaman

I.1

ALL CLASS OF BUSINESS

I.2

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

2 3 4 5

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

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

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

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

I.3

I.4

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

BAGIAN II RISK AND LOSS PROFILE 2006

Halaman

II.1

ALL CLASS OF BUSINESS

II.2

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

53 54 55 56

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

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

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

71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102

II.3

II.4

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

BAGIAN III RISK AND LOSS PROFILE 2007

Halaman

III.1

ALL CLASS OF BUSINESS

103

III.2

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

104 105 106 107

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

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

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

122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153

III.3

III.4

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

BAGIAN IV RISK AND LOSS PROFILE 2008

Halaman

IV.1

ALL CLASS OF BUSINESS

154

IV.2

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

155 156 157 158

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

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

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

173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204

IV.3

IV.4

GRAFIK BAGIAN V EXAMPLE FOR REAL OCCUPATION CODE

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

TABEL GABUNGAN

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

PT. REASURANSI INTERNASIONAL INDONESIA Jl. Salemba Raya No. 30, Jakarta 10430, Indonesia P.O. Box 2635 JKT 10026, Cable ReINDO Phones:( 62-21 ) 3920101 Fax :( 62-21 ) 3911432 Website :http://www.reindo.co.id/bppdan/default.asp Email : bppdan@reindo.co.id

PERTUMBUHAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2005 - 2008 THE GROWTH OF POLICY, PREMIUM, CLAIM & LOSS RATIO FROM 2005 TO 2008 Premium and Claim in Million Rp

UY 2005 OCCUPATION CODE

20 - (Mining,Drilling…etc)

Number Policies

Premium

Number Claim

UY 2006 Claim Incurred

% LOSS RATIO

Number Policies

Premium

Number Claim

UY 2008

UY 2007 Claim Incurred

% LOSS RATIO

Number Policies

Premium

Number Claim

Claim Incurred

% LOSS RATIO

Number Policies

Premium

Number Claim

Claim Incurred

% LOSS RATIO

599

21,165.75

49,417.52

233.48

993

8,598.71

89,973.02

1,046.35

958

7,314.34

312,748.10

4275.82

1,220

39,037.98

66,371.34

21 - (Stones, Earth…etc)

1,555

16,123.51

7,907.30

49.04

1,810

8,990.65

61,722.45

686.52

1,954

15,204.32

23,185.25

152.49

2,031

11,789.27

6,000.26

50.90

22 - (Metals)

6,354

214,335.16

145

34,673.15

16.18

7,621

43,198.76

288

314,738.11

728.58

7,916

41,549.65

217

62,512.03

150.45

8,603

56,814.50

34,619.16

60.93 70.95

23 - (Chemical/Oils/Gas) 24 - (Textiles) 25 - (Paper,Leather,Rubber)

170.02

7,612

91,435.45

203

45,776.10

50.06

9,940

83,795.06

371

360,771.90

430.54

9,360

76,152.92

290

316,465.45

415.57

10,664

87,685.21

137

62,211.60

11,482

73,571.48

301

92,287.22

125.44

13,442

61,266.66

484

551,435.02

900.06

13,852

66,423.08

344

137,459.80

206.95

14,651

77,512.33

144

52,510.88

67.75

8,149

811,800.21

121

96,639.41

11.90

9,259

57,396.85

307

196,131.47

341.71

9,428

66,117.23

165

220,687.92

333.78

10,133

138,421.28

101

236,239.38

170.67 49.20

26 - (Wood,Bamboo,Rattan)

7,248

89,910.65

181

60,520.73

67.31

7,590

76,314.93

216

208,423.01

273.11

7,267

75,203.95

152

53,275.81

70.84

7,699

77,638.91

38,196.41

27 - (Nutritional,Drinks…etc)

17,050

66,903.41

272

32,899.89

49.18

19,952

68,503.04

428

155,231.02

226.60

21,699

78,958.95

441

109,139.54

138.22

25,480

90,004.14

262

27,128.55

30.14

283

3,691.97

9,734.05

263.65

588

136,160.27

159,221.08

116.94

520

310,963.70

120,999.88

38.91

4,928

7,366.72

66,780.05

906.51

29 - (Transport,Traffic…etc)

739,524

838,675.72

3,338

813,389.20

96.98

805,698

1,004,137.84

5,431

1,112,364.58

110.78

880,022

1,117,539.83

3,942

1,366,835.26

122.31

928,586

1,203,694.93

1,390

332,617.55

27.63

30 - (Estate Plantation Risk)

119

2,818.57

1,246.63

44.23

131

2,323.18

1,011.49

43.54

121

1,055.63

125.29

11.87

210

1,417.13

0.00

31 - (Estate Plantation Risk)

405

8,125.51

1,871.13

23.03

537

19,697.49

2,733.41

13.88

710

5,576.32

2,281.41

40.91

627

16,190.44

246.87

1.52

28 - (Power and Heating)

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

1,936.35

571.96

29.54

121

2,563.12

329.04

12.84

161

5,977.14

1,459.54

24.42

104

2,246.84

782.56

34.83

142

1,442.12

3,442.26

238.69

462

3,164.67

9,519.93

300.82

1,163

2,604.98

2,353.64

90.35

2,097

6,142.49

2,296.43

37.39

800,583

2,241,935.86

4,721 1,250,376.55

55.77

878,144

1,576,111.23

7,849

3,223,605.53

204.53

955,131

1,870,642.04

5,822

2,729,528.92

145.91 1,017,033

1,815,962.17

2,266

926,001.04

Catatan/Note : 1. Posisi Data sampai dengan penerimaan 15 Juni 2009 (Data Position Until 15 Juni 2009) 2. Claim Incurred 2005 : Rp. 1.099.980.341.540,59,- (Settled = 4,141 Kasus) , Rp.150.396.208.459,41,- (Os Claim = 580 Kasus) 2006 : Rp. 2.810.038.789.694,77,- (Settled = 7,154 Kasus) , Rp.413.566.740.305,23,- (Os Claim = 695 Kasus) 2007 : Rp. 2.456.889.410.766,80,- (Settled = 5.466 Kasus) , Rp.272.639.509.233,20,- (Os Claim = 356 Kasus) 2008 : Rp. 2.518.942.539.533,00,- (Settled = 1.758 Kasus) , Rp.619.020.810.467,00,- (Os Claim = 508 Kasus) 3. Data di atas tidak termasuk / tdk ada polis Klaim (not include claim-no policy) : 2005 : Rp. 636.472.978,10,- (Freq Claim = 300 ) 2006 : Rp. 1.406.977.837,97,- (Freq Claim = 324 ) 2007 : Rp. 195.714.126,12,- (Freq Claim = 56 ) 2008 : Rp. 153.738,00,- (Freq Claim = 2 )

50.99

PERTUMBUHAN DATA POLIS, PREMI, KLAIM & LOSS RATIO 2005 - 2008 THE GROWTH OF POLICY, PREMIUM, CLAIM & LOSS RATIO FROM 2005 TO 2008 UY 2005 PROVINCE CODE

01 - Nangroe Aceh Darussalam

Number Policies

Premium

Number Claim

UY 2006 Claim Incurred

% LOSS RATIO

Number Policies

Premium

Number Claim

UY 2007 Claim Incurred

% LOSS RATIO

Number Policies

Premium

Number Claim

UY 2008 Claim Incurred

% LOSS RATIO

Number Policies

Premium

Number Claim

Claim Incurred

% LOSS RATIO

4,007

6,488.59

2,545.74

39.23

4,983

7,666.41

2,296.37

29.95

7,520

10,615.46

938.59

8.84

8,468

11,660.32

243.00

2.08

02 - Sumatera Utara

51,667

71,788.45

195

35,555.22

49.53

55,808

71,617.06

286

136,760.69

190.96

58,085

79,291.32

212

141,717.67

178.73

65,807

91,970.16

110

23,688.95

25.76

03 - Sumatera Barat

20,082

18,695.73

13,050.33

69.80

18,558

18,851.13

125

15,386.47

81.62

23,263

21,534.52

164

29,951.93

139.09

26,354

24,211.58

6,800.42

28.09

04 - Riau

24,224

36,354.03

104

15,798.48

43.46

25,437

35,289.96

15,850.07

44.91

29,599

39,290.39

12,814.29

32.61

32,881

44,958.50

6,174.78

13.73

8,891

11,229.14

2,942.81

26.21

10,397

12,794.00

2,764.21

21.61

11,727

12,649.81

973.40

7.70

12,772

15,478.24

922.31

5.96

17,522

22,488.76

197

64,701.92

287.71

20,962

30,677.27

159

114,549.08

373.40

22,888

30,692.93

31,960.66

104.13

23,928

32,052.17

7,630.60

23.81

05 - Jambi 06 - Sumatera Selatan 07 - Bengkulu

4,941

4,664.42

26,158.31

560.81

5,285

4,762.55

12,154.67

255.21

6,424

5,416.19

4,271.23

78.86

6,914

6,105.84

149.55

2.45

08 - Lampung

13,251

25,352.34

5,076.55

20.02

15,657

22,526.56

18,949.01

84.12

16,477

29,356.12

27,061.41

92.18

17,574

27,743.09

4,453.43

16.05

09 - DKI . Jakarta

186,621

1,264,661.09

1,526

266,017.11

21.03

198,653

467,809.56

3,478

1,255,210.54

268.32

207,511

729,934.02

1,981

997,610.29

136.67

217,468

497,523.21

632

262,344.40

52.73

10 - Jawa Barat

119,653

207,543.11

769

146,413.11

70.55

132,223

254,625.04

1,284

516,004.20

202.65

143,659

233,477.90

975

534,556.79

228.95

158,967

272,665.27

440

331,269.06

121.49

66,260

84,331.74

439

42,329.12

50.19

73,907

90,188.17

413

271,875.41

301.45

79,914

105,572.80

427

97,881.58

92.71

83,268

102,834.99

208

45,702.24

44.44

8,366

8,902.71

103

310,762.35 3,490.65

9,523

10,825.31

19,010.99

175.62

10,519

11,635.69

35,556.24

305.58

10,925

13,055.07

2,037.69

15.61

13 - Jawa Timur

88,021

149,586.91

371

91,363.08

61.08

104,825

166,359.95

506

242,356.02

145.68

105,532

174,037.13

529

246,150.69

141.44

107,992

185,246.78

191

93,282.26

50.36

14 - Kalimantan Barat

11 - Jawa Tengah 12 - DI . Yogyakarta

24,075

29,349.35

130

27,213.88

92.72

25,402

32,725.06

103

38,608.36

117.98

28,252

39,420.73

135

24,864.42

63.07

28,763

40,182.25

14,224.70

35.40

15 - Kalimantan Tengah

4,746

7,916.29

8,140.22

102.83

5,480

8,479.97

6,217.86

73.32

7,218

9,245.61

1,311.93

14.19

7,571

11,168.04

12,189.12

109.14

16 - Kalimantan Selatan

11,141

14,663.31

10,301.75

70.26

12,917

18,417.16

48,212.85

261.78

13,962

17,565.06

11,611.84

66.11

14,464

19,173.82

7,397.26

38.58

17 - Kalimantan Timur

19,169

56,990.99

41,971.99

73.65

20,044

40,797.23

21,906.54

53.70

22,269

43,577.87

11,727.86

26.91

22,428

60,790.71

3,271.85

5.38

18 - Sulawesi Utara

9,067

12,791.51

2,610.49

20.41

8,787

15,399.50

12,186.60

79.14

10,403

14,702.39

10,853.83

73.82

11,236

27,695.71

2,089.07

7.54

19 - Sulawesi Tengah

5,092

7,353.58

6,941.12

94.39

5,652

8,985.29

6,573.15

73.15

6,628

10,257.43

438.85

4.28

6,655

11,376.62

0.00

20 - Sulawesi Selatan

22,499

28,083.02

6,751.60

24.04

24,190

31,955.23

10,752.41

33.65

27,853

41,444.21

7,690.79

18.56

28,919

40,190.24

1,744.30

4.34

21 - Sulawesi Tenggara

3,074

12,705.54

11,463.23

30.22

3,454

4,953.71

14,156.03

285.77

4,062

4,944.67

3,702.89

74.89

4,633

5,794.13

4,395.76

75.87

15,906

24,078.44

103

5,597.08

23.25

19,025

40,396.64

114

34,747.37

86.02

19,572

33,426.08

133

13,823.08

41.35

23,130

39,975.36

5,606.04

14.02

23 - Nusa Tenggara Barat

5,080

4,930.26

1,113.91

22.59

5,901

6,703.09

2,998.99

44.74

6,454

9,105.64

1,839.52

20.20

6,410

8,020.99

536.29

6.69

24 - Nusa Tenggara Timur

3,301

5,048.27

797.03

15.79

3,673

5,795.76

352.10

6.08

4,446

6,169.83

2,184.22

35.40

4,914

7,618.75

216.30

2.84

814

2,259.67

355.06

15.71

1,201

2,832.90

2,093.41

73.90

1,450

3,071.36

60.83

1.98

1,657

3,325.88

0.00

2,724

6,967.11

6,678.70

95.86

3,286

8,793.09

5,095.61

57.95

3,860

9,070.39

2,348.63

25.89

5,112

11,218.50

60.58

0.54

27 - Maluku Utara

498

1,493.03

154.77

10.37

700

1,816.10

131.66

7.25

937

2,592.13

510.55

19.70

1,157

3,321.99

36.62

1.10

28 - Irian Jaya Barat

839

1,933.98

89.62

4.63

1,738

3,000.45

941.99

31.39

2,086

3,305.22

3,132.86

94.79

2,064

3,555.50

0.00

0.00 73.27

22 - Bali

25 - Maluku 26 - Irian Jaya

29 - Banten

45,598

90,160.74

240

75,647.28

83.90

45,112

124,174.35

607

373,760.56

301.00

52,464

98,026.50

573

455,765.50

464.94

54,339

105,423.92

144

77,248.70

30 - Bangka Belitung

1,451

1,650.48

142.84

8.65

1,985

2,673.62

700.69

26.21

2,476

3,805.45

2,618.77

68.82

2,522

4,499.98

38.50

0.86

31 - Gorontalo

2,031

1,592.04

18.31

1.15

1,626

2,041.29

1,427.86

69.95

2,307

2,881.37

1,521.61

52.81

2,012

3,051.53

460.81

15.10

21,673.56

109.02

11,779.45

14.01

925,994.04

50.99

32 - Kepulauan Riau

9,972

19,881.22

800,583

2,241,935.85

4,721

1,250,376.57

55.77

11,753 878,144

22,177.82 1,576,111.23

46 7,849

19,573.72

88.26

3,223,605.49

204.53

15,314 955,131

34,525.80

1,870,642.02

5,822

12,076.15 2,729,528.90

34.98 145.91

15,729 1,017,033

84,073.03 1,815,962.17

22 2,266

RISK AND LOSS PROFILE 2005

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

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: All Code

SUM INSURED BAND

PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2005

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

DATA POSITION FROM

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

PERCENTAGE f

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

151,688 146,198 158,651 88,143 91,959 44,768 31,627 23,657 13,471 7,517 5,865 6,728 4,633 5,741 3,746 6,001 4,964 2,185 2,296 745 800,583

151,688 297,886 456,537 544,680 636,639 681,407 713,034 736,691 750,162 757,679 763,544 770,272 774,905 780,646 784,392 790,393 795,357 797,542 799,838 800,583

BAND

CUM.

18.95 18.26 19.82 11.01 11.49 5.59 3.95 2.95 1.68 0.94 0.73 0.84 0.58 0.72 0.47 0.75 0.62 0.27 0.29 0.09

18.95 37.21 57.03 68.04 79.52 85.11 89.06 92.02 93.70 94.64 95.37 96.21 96.79 97.51 97.98 98.73 99.35 99.62 99.91 100.00

PERCENTAGE rp

53,439.48 34,488.24 66,722.51 60,793.20 95,736.56 67,734.58 67,414.11 68,179.99 51,318.78 34,865.29 30,625.82 42,670.02 36,878.03 55,525.97 50,612.59 97,895.13 127,390.32 73,285.38 104,079.13 1,022,280.71

BAND

CUM.

53,439.48 2.38 2.38 87,927.72 1.54 3.92 154,650.23 2.98 6.90 215,443.43 2.71 9.61 311,179.99 4.27 13.88 378,914.57 3.02 16.90 446,328.68 3.01 19.91 514,508.67 3.04 22.95 565,827.45 2.29 25.24 600,692.74 1.56 26.79 631,318.55 1.37 28.16 673,988.57 1.90 30.06 710,866.61 1.64 31.71 766,392.58 2.48 34.18 817,005.17 2.26 36.44 914,900.30 4.37 40.81 1,042,290.62 5.68 46.49 1,115,576.00 3.27 49.76 1,219,655.13 4.64 54.40 2,241,935.84 45.60 100.00

2,241,935.84

PERCENTAGE f

471 278 384 150 274 171 147 145 118 73 78 135 140 164 113 312 553 293 516 206 4,721

471 749 1,133 1,283 1,557 1,728 1,875 2,020 2,138 2,211 2,289 2,424 2,564 2,728 2,841 3,153 3,706 3,999 4,515 4,721

BAND

CUM.

9.98 9.98 5.89 15.87 8.13 24.00 3.18 27.18 5.80 32.98 3.62 36.60 3.11 39.72 3.07 42.79 2.50 45.29 1.55 46.83 1.65 48.49 2.86 51.35 2.97 54.31 3.47 57.78 2.39 60.18 6.61 66.79 11.71 78.50 6.21 84.71 10.93 95.64 4.36 100.00

PERCENTAGE rp

37,769.37 13,488.10 23,843.39 16,493.16 36,267.79 23,369.18 29,912.23 26,834.10 58,878.09 12,817.25 17,188.53 41,290.66 34,072.10 49,637.53 12,853.58 84,217.11 107,245.06 107,729.62 208,081.87 308,387.83 1,250,376.55

BAND

37,769.37 3.02 51,257.47 1.08 75,100.86 1.91 91,594.02 1.32 127,861.82 2.90 151,231.00 1.87 181,143.23 2.39 207,977.33 2.15 266,855.42 4.71 279,672.66 1.03 296,861.19 1.37 338,151.85 3.30 372,223.95 2.72 421,861.49 3.97 434,715.06 1.03 518,932.17 6.74 626,177.23 8.58 733,906.85 8.62 941,988.72 16.64 1,250,376.55 24.66

CUM.

PERCENTAGE BAND

3.02 70.68 4.10 39.11 6.01 35.74 7.33 27.13 10.23 37.88 12.09 34.50 14.49 44.37 16.63 39.36 21.34 114.73 22.37 36.76 23.74 56.12 27.04 96.77 29.77 92.39 33.74 89.40 34.77 25.40 41.50 86.03 50.08 84.19 58.69 147.00 75.34 199.93 100.00 30.17

CUM

70.68 58.29 48.56 42.51 41.09 39.91 40.59 40.42 47.16 46.56 47.02 50.17 52.36 55.05 53.21 56.72 60.08 65.79 77.23 55.77

55.77

Catatan / Note : Data belum termasuk Klaim Fire yang tidak ada Polisnya Rp. 636.472.978,10.- Freq. Klaim 300 ( Data not Include Claim Fire no Policy Rp. 636.472.978,10. - Freq Claim 300 )

Page 1 of 204

RISK AND LOSS PROFILE 2005 GROUP BY CLASS OF BUSINESS

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

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

:FIRE

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2005

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

145,073 142,729 152,830 83,453 84,755 39,762 27,201 19,171 10,336 5,355 4,108 4,377 2,856 3,295 1,939 2,701 1,881 713 734 176 733,445

145,073 287,802 440,632 524,085 608,840 648,602 675,803 694,974 705,310 710,665 714,773 719,150 722,006 725,301 727,240 729,941 731,822 732,535 733,269 733,445

BAND

CUM.

19.78 19.78 19.46 39.24 20.84 60.08 11.38 71.46 11.56 83.01 5.42 88.43 3.71 92.14 2.61 94.75 1.41 96.16 0.73 96.89 0.56 97.45 0.60 98.05 0.39 98.44 0.45 98.89 0.26 99.15 0.37 99.52 0.26 99.78 0.10 99.88 0.10 99.98 0.02 100.00

PERCENTAGE rp

44,140.76 33,593.48 64,418.86 58,043.41 89,947.13 61,840.34 60,090.71 58,519.20 42,845.64 26,843.84 24,431.48 31,841.70 26,192.53 38,776.32 28,495.43 56,490.08 59,975.55 24,102.42 29,063.63 28,177.30 887,829.79

44,140.76 77,734.24 142,153.09 200,196.50 290,143.63 351,983.97 412,074.67 470,593.88 513,439.52 540,283.36 564,714.83 596,556.53 622,749.06 661,525.38 690,020.81 746,510.89 806,486.44 830,588.86 859,652.49 887,829.79

BAND

4.97 3.78 7.26 6.54 10.13 6.97 6.77 6.59 4.83 3.02 2.75 3.59 2.95 4.37 3.21 6.36 6.76 2.71 3.27 3.17

PERCENTAGE

CUM.

4.97 8.76 16.01 22.55 32.68 39.65 46.41 53.00 57.83 60.85 63.61 67.19 70.14 74.51 77.72 84.08 90.84 93.55 96.83 100.00

352 236 288 127 182 110 96 95 59 37 44 59 73 76 49 130 145 63 85 29 2,335

352 588 876 1,003 1,185 1,295 1,391 1,486 1,545 1,582 1,626 1,685 1,758 1,834 1,883 2,013 2,158 2,221 2,306 2,335

BAND

15.07 10.11 12.33 5.44 7.79 4.71 4.11 4.07 2.53 1.58 1.88 2.53 3.13 3.25 2.10 5.57 6.21 2.70 3.64 1.24

CUM.

15.07 25.18 37.52 42.96 50.75 55.46 59.57 63.64 66.17 67.75 69.64 72.16 75.29 78.54 80.64 86.21 92.42 95.12 98.76 100.00

PERCENTAGE rp

20,020.11 12,951.48 20,688.60 16,268.20 30,113.63 22,106.35 25,286.94 20,756.64 23,355.78 10,062.30 13,877.53 24,795.91 24,796.01 30,207.77 10,037.56 43,213.26 45,968.18 14,871.92 74,709.98 38,262.99 522,351.15

20,020.11 32,971.59 53,660.20 69,928.40 100,042.03 122,148.38 147,435.31 168,191.95 191,547.74 201,610.04 215,487.57 240,283.49 265,079.50 295,287.27 305,324.83 348,538.08 394,506.26 409,378.18 484,088.16 522,351.15

BAND

3.83 2.48 3.96 3.11 5.77 4.23 4.84 3.97 4.47 1.93 2.66 4.75 4.75 5.78 1.92 8.27 8.80 2.85 14.30 7.33

PERCENTAGE

CUM.

BAND

3.83 6.31 10.27 13.39 19.15 23.38 28.23 32.20 36.67 38.60 41.25 46.00 50.75 56.53 58.45 66.72 75.53 78.37 92.67 100.00

45.36 38.55 32.12 28.03 33.48 35.75 42.08 35.47 54.51 37.48 56.80 77.87 94.67 77.90 35.23 76.50 76.64 61.70 257.06 135.79

CUM

45.36 42.42 37.75 34.93 34.48 34.70 35.78 35.74 37.31 37.32 38.16 40.28 42.57 44.64 44.25 46.69 48.92 49.29 56.31 58.83

58.83

Page 2 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

:I.A.R

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2005

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

4,724 2,730 4,475 3,633 5,237 3,612 3,226 3,241 2,184 1,475 1,166 1,610 1,137 1,582 1,093 2,105 1,928 917 986 298 47,359

4,724 7,454 11,929 15,562 20,799 24,411 27,637 30,878 33,062 34,537 35,703 37,313 38,450 40,032 41,125 43,230 45,158 46,075 47,061 47,359

BAND

CUM.

9.97 9.97 5.76 15.74 9.45 25.19 7.67 32.86 11.06 43.92 7.63 51.54 6.81 58.36 6.84 65.20 4.61 69.81 3.11 72.93 2.46 75.39 3.40 78.79 2.40 81.19 3.34 84.53 2.31 86.84 4.44 91.28 4.07 95.35 1.94 97.29 2.08 99.37 0.63 100.00

PERCENTAGE rp

5,849.92 768.67 1,889.23 2,243.82 4,721.51 4,711.85 6,233.45 8,159.06 6,990.78 6,619.96 4,965.48 8,751.59 8,726.57 13,558.99 18,265.58 31,769.40 44,259.64 35,701.50 52,494.93 971,731.55 1,238,413.47

5,849.92 6,618.60 8,507.83 10,751.65 15,473.15 20,185.00 26,418.45 34,577.51 41,568.29 48,188.25 53,153.73 61,905.31 70,631.88 84,190.87 102,456.45 134,225.85 178,485.49 214,186.99 266,681.92 1,238,413.47

BAND

0.47 0.06 0.15 0.18 0.38 0.38 0.50 0.66 0.56 0.53 0.40 0.71 0.70 1.09 1.47 2.57 3.57 2.88 4.24 78.47

PERCENTAGE

CUM.

0.47 0.53 0.69 0.87 1.25 1.63 2.13 2.79 3.36 3.89 4.29 5.00 5.70 6.80 8.27 10.84 14.41 17.30 21.53 100.00

109 37 96 19 89 56 46 44 56 35 32 73 62 85 59 171 398 222 423 165 2,277

109 146 242 261 350 406 452 496 552 587 619 692 754 839 898 1,069 1,467 1,689 2,112 2,277

BAND

4.79 1.62 4.22 0.83 3.91 2.46 2.02 1.93 2.46 1.54 1.41 3.21 2.72 3.73 2.59 7.51 17.48 9.75 18.58 7.25

CUM.

4.79 6.41 10.63 11.46 15.37 17.83 19.85 21.78 24.24 25.78 27.18 30.39 33.11 36.85 39.44 46.95 64.43 74.18 92.75 100.00

PERCENTAGE rp

17,590.18 337.00 3,154.79 207.37 5,227.17 953.69 4,002.46 1,802.01 9,375.56 2,750.34 2,329.14 7,360.14 9,088.40 19,256.70 2,709.17 40,289.03 33,760.99 50,126.77 106,958.25 63,474.87 380,754.04

17,590.18 17,927.18 21,081.97 21,289.34 26,516.52 27,470.20 31,472.66 33,274.67 42,650.23 45,400.57 47,729.70 55,089.84 64,178.24 83,434.95 86,144.12 126,433.15 160,194.15 210,320.91 317,279.16 380,754.04

BAND

4.62 0.09 0.83 0.05 1.37 0.25 1.05 0.47 2.46 0.72 0.61 1.93 2.39 5.06 0.71 10.58 8.87 13.17 28.09 16.67

CUM.

4.62 4.71 5.54 5.59 6.96 7.21 8.27 8.74 11.20 11.92 12.54 14.47 16.86 21.91 22.62 33.21 42.07 55.24 83.33 100.00

PERCENTAGE BAND

CUM

300.69 43.84 166.99 9.24 110.71 20.24 64.21 22.09 134.11 41.55 46.91 84.10 104.15 142.02 14.83 126.82 76.28 140.41 203.75 6.53

300.69 270.86 247.79 198.01 171.37 136.09 119.13 96.23 102.60 94.22 89.80 88.99 90.86 99.10 84.08 94.19 89.75 98.20 118.97 30.75

30.75

Page 3 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

:L.O.P

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2005

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

66 7 8 8 20 12 19 23 19 10 11 15 14 22 29 42 67 27 17 1 437

66 73 81 89 109 121 140 163 182 192 203 218 232 254 283 325 392 419 436 437

BAND

CUM.

15.10 15.10 1.60 16.70 1.83 18.54 1.83 20.37 4.58 24.94 2.75 27.69 4.35 32.04 5.26 37.30 4.35 41.65 2.29 43.94 2.52 46.45 3.43 49.89 3.20 53.09 5.03 58.12 6.64 64.76 9.61 74.37 15.33 89.70 6.18 95.88 3.89 99.77 0.23 100.00

PERCENTAGE rp

17.17 0.55 1.86 3.94 8.40 3.65 12.77 28.24 35.16 16.82 21.52 27.46 24.55 91.15 167.49 256.80 714.65 72.06 375.70 0.00 1,879.92

17.17 17.71 19.57 23.51 31.91 35.56 48.34 76.58 111.73 128.55 150.07 177.52 202.07 293.22 460.71 717.51 1,432.16 1,504.21 1,879.92 1,879.92

BAND

0.91 0.03 0.10 0.21 0.45 0.19 0.68 1.50 1.87 0.89 1.14 1.46 1.31 4.85 8.91 13.66 38.01 3.83 19.99 0.00

CUM.

PERCENTAGE f

0.91 0.94 1.04 1.25 1.70 1.89 2.57 4.07 5.94 6.84 7.98 9.44 10.75 15.60 24.51 38.17 76.18 80.01 100.00 100.00

1 0 0 0 1 0 0 0 1 0 0 0 1 0 1 1 0 1 0 0 7

BAND

1 1 1 1 2 2 2 2 3 3 3 3 4 4 5 6 6 7 7 7

CUM.

14.29 14.29 0.00 14.29 0.00 14.29 0.00 14.29 14.29 28.57 0.00 28.57 0.00 28.57 0.00 28.57 14.29 42.86 0.00 42.86 0.00 42.86 0.00 42.86 14.29 57.14 0.00 57.14 14.29 71.43 14.29 85.71 0.00 85.71 14.29 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 240.11 0.00 0.00 0.00 25,945.96 0.00 0.00 0.00 27.42 0.00 16.66 91.65 0.00 5,058.36 0.00 0.00 31,380.16

0.00 0.00 0.00 0.00 240.11 240.11 240.11 240.11 26,186.07 26,186.07 26,186.07 26,186.07 26,213.49 26,213.49 26,230.15 26,321.80 26,321.80 31,380.16 31,380.16 31,380.16

BAND

0.00 0.00 0.00 0.00 0.77 0.00 0.00 0.00 82.68 0.00 0.00 0.00 0.09 0.00 0.05 0.29 0.00 16.12 0.00 0.00

CUM.

PERCENTAGE BAND

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.77 2859.77 0.77 0.00 0.77 0.00 0.77 0.00 83.45 73803.76 83.45 0.00 83.45 0.00 83.45 0.00 83.54 111.71 83.54 0.00 83.59 9.95 83.88 35.69 83.88 0.00 100.00 7020.05 100.00 0.00 100.00 0.00

0.00 0.00 0.00 0.00 752.46 675.17 496.75 313.55 23436.33 20370.21 17449.53 14750.84 12972.54 8939.79 5693.42 3668.49 1837.91 2086.15 1669.23 1669.23

1669.23

Page 4 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: Earthquake

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2005

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

1,825 732 1,338 1,049 1,947 1,382 1,181 1,222 932 677 580 726 626 842 685 1,153 1,088 528 559 270 19,342

1,825 2,557 3,895 4,944 6,891 8,273 9,454 10,676 11,608 12,285 12,865 13,591 14,217 15,059 15,744 16,897 17,985 18,513 19,072 19,342

BAND

CUM.

9.44 9.44 3.78 13.22 6.92 20.14 5.42 25.56 10.07 35.63 7.15 42.77 6.11 48.88 6.32 55.20 4.82 60.01 3.50 63.51 3.00 66.51 3.75 70.27 3.24 73.50 4.35 77.86 3.54 81.40 5.96 87.36 5.63 92.98 2.73 95.71 2.89 98.60 1.40 100.00

PERCENTAGE rp

3,431.64 3,431.64 125.54 3,557.18 412.56 3,969.74 502.04 4,471.77 1,059.52 5,531.29 1,178.74 6,710.04 1,077.18 7,787.22 1,473.48 9,260.70 1,447.21 10,707.91 1,384.67 12,092.58 1,207.35 13,299.93 2,049.28 15,349.20 1,934.39 17,283.59 3,099.51 20,383.10 3,684.09 24,067.19 9,378.86 33,446.05 22,440.49 55,886.54 13,409.40 69,295.94 22,144.86 91,440.80 22,371.86 113,812.66 113,812.66

BAND

CUM.

3.02 3.02 0.11 3.13 0.36 3.49 0.44 3.93 0.93 4.86 1.04 5.90 0.95 6.84 1.29 8.14 1.27 9.41 1.22 10.62 1.06 11.69 1.80 13.49 1.70 15.19 2.72 17.91 3.24 21.15 8.24 29.39 19.72 49.10 11.78 60.89 19.46 80.34 19.66 100.00

PERCENTAGE f

9 5 0 4 2 5 5 6 2 1 2 3 4 3 4 10 10 7 8 12 102

9 14 14 18 20 25 30 36 38 39 41 44 48 51 55 65 75 82 90 102

BAND

8.82 4.90 0.00 3.92 1.96 4.90 4.90 5.88 1.96 0.98 1.96 2.94 3.92 2.94 3.92 9.80 9.80 6.86 7.84 11.76

CUM.

8.82 13.73 13.73 17.65 19.61 24.51 29.41 35.29 37.25 38.24 40.20 43.14 47.06 50.00 53.92 63.73 73.53 80.39 88.24 100.00

PERCENTAGE rp

159.08 199.62 0.00 17.59 686.88 309.15 622.84 4,275.45 200.78 4.60 981.86 9,134.61 160.27 173.06 90.18 623.17 27,515.89 37,672.57 26,413.64 206,649.97 315,891.20

159.08 358.69 358.69 376.28 1,063.16 1,372.31 1,995.15 6,270.60 6,471.39 6,475.99 7,457.85 16,592.46 16,752.72 16,925.78 17,015.97 17,639.14 45,155.03 82,827.59 109,241.24 315,891.20

BAND

0.05 0.06 0.00 0.01 0.22 0.10 0.20 1.35 0.06 0.00 0.31 2.89 0.05 0.05 0.03 0.20 8.71 11.93 8.36 65.42

PERCENTAGE

CUM.

BAND

CUM

0.05 0.11 0.11 0.12 0.34 0.43 0.63 1.99 2.05 2.05 2.36 5.25 5.30 5.36 5.39 5.58 14.29 26.22 34.58 100.00

4.64 159.01 0.00 3.50 64.83 26.23 57.82 290.16 13.87 0.33 81.32 445.75 8.29 5.58 2.45 6.64 122.62 280.94 119.28 923.71

4.64 10.08 9.04 8.41 19.22 20.45 25.62 67.71 60.44 53.55 56.07 108.10 96.93 83.04 70.70 52.74 80.80 119.53 119.47 277.55

277.55

Page 5 of 204

RISK AND LOSS PROFILE 2005 GROUP BY OCCUPATION CODE

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

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

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

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

1 0 50 2 50 100 3 100 200 4 200 300 5 300 500 6 500 750 7 750 1,000 8 1,000 1,500 9 1,500 2,000 10 2,000 2,500 11 2,500 3,000 12 3,000 4,000 13 4,000 5,000 14 5,000 7,500 15 7,500 10,000 16 10,000 20,000 17 20,000 50,000 18 50,000 100,000 19 100,000 500,000 20 500,000 Up TOTAL

PERCENTAGE f

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

49 27 43 28 37 36 46 34 22 20 18 23 18 31 20 34 31 25 35 22 599

49 76 119 147 184 220 266 300 322 342 360 383 401 432 452 486 517 542 577 599

BAND

CUM.

PERCENTAGE rp

8.18 8.18 105.94 4.51 12.69 8.54 7.18 19.87 12.27 4.67 24.54 13.66 6.18 30.72 29.62 6.01 36.73 44.52 7.68 44.41 77.05 5.68 50.08 121.34 3.67 53.76 67.20 3.34 57.10 50.44 3.01 60.10 68.49 3.84 63.94 132.05 3.01 66.94 108.71 5.18 72.12 246.25 3.34 75.46 188.79 5.68 81.14 722.42 5.18 86.31 856.63 4.17 90.48 937.50 5.84 96.33 3,254.31 3.67 100.00 14,120.01 21,165.75

105.94 114.48 126.75 140.40 170.02 214.54 291.59 412.94 480.14 530.58 599.06 731.11 839.83 1,086.08 1,274.87 1,997.29 2,853.92 3,791.43 7,045.73 21,165.75

BAND

0.50 0.04 0.06 0.06 0.14 0.21 0.36 0.57 0.32 0.24 0.32 0.62 0.51 1.16 0.89 3.41 4.05 4.43 15.38 66.71

PERCENTAGE

CUM.

0.50 0.54 0.60 0.66 0.80 1.01 1.38 1.95 2.27 2.51 2.83 3.45 3.97 5.13 6.02 9.44 13.48 17.91 33.29 100.00

0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 3 3 4 7 19 39

BAND

0 0 0 0 0 0 0 0 0 1 2 3 3 3 3 6 9 13 20 39

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.56 2.56 2.56 0.00 0.00 0.00 7.69 7.69 10.26 17.95 48.72

CUM.

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.56 3.25 5.13 450.00 7.69 908.40 7.69 0.00 7.69 0.00 7.69 0.00 15.38 112.93 23.08 198.06 33.33 990.97 51.28 28,824.16 100.00 17,929.77 49,417.52

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.25 453.25 1,361.65 1,361.65 1,361.65 1,361.65 1,474.58 1,672.63 2,663.60 31,487.76 49,417.52

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.91 1.84 0.00 0.00 0.00 0.23 0.40 2.01 58.33 36.28

PERCENTAGE

CUM.

BAND

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.92 2.76 2.76 2.76 2.76 2.98 3.38 5.39 63.72 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.44 657.08 687.92 0.00 0.00 0.00 15.63 23.12 105.70 885.72 126.98

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.61 75.66 186.24 162.13 125.37 106.81 73.83 58.61 70.25 446.91 233.48

233.68

Page 6 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2005

15/06/2009

DATE

15/09/2009

Stone,Earth,(Animal) Bons or Shells

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

255 67 117 61 90 65 72 67 40 41 44 49 32 63 45 106 147 64 91 39 1,555

255 322 439 500 590 655 727 794 834 875 919 968 1,000 1,063 1,108 1,214 1,361 1,425 1,516 1,555

BAND

CUM.

16.40 16.40 4.31 20.71 7.52 28.23 3.92 32.15 5.79 37.94 4.18 42.12 4.63 46.75 4.31 51.06 2.57 53.63 2.64 56.27 2.83 59.10 3.15 62.25 2.06 64.31 4.05 68.36 2.89 71.25 6.82 78.07 9.45 87.52 4.12 91.64 5.85 97.49 2.51 100.00

PERCENTAGE rp

1,547.15 15.47 38.16 34.16 78.54 82.35 92.63 138.35 96.00 133.74 163.28 211.02 158.66 320.86 394.57 1,262.08 2,330.19 1,338.83 3,178.47 4,508.97 16,123.51

1,547.15 1,562.62 1,600.78 1,634.95 1,713.48 1,795.83 1,888.47 2,026.82 2,122.81 2,256.55 2,419.83 2,630.86 2,789.52 3,110.38 3,504.95 4,767.04 7,097.23 8,436.06 11,614.53 16,123.51

BAND

9.60 0.10 0.24 0.21 0.49 0.51 0.57 0.86 0.60 0.83 1.01 1.31 0.98 1.99 2.45 7.83 14.45 8.30 19.71 27.97

CUM.

9.60 9.69 9.93 10.14 10.63 11.14 11.71 12.57 13.17 14.00 15.01 16.32 17.30 19.29 21.74 29.57 44.02 52.32 72.03 100.00

PERCENTAGE f

7 1 0 1 3 0 1 2 0 0 1 0 0 0 2 6 10 7 10 7 58

7 8 8 9 12 12 13 15 15 15 16 16 16 16 18 24 34 41 51 58

BAND

CUM.

12.07 12.07 1.72 13.79 0.00 13.79 1.72 15.52 5.17 20.69 0.00 20.69 1.72 22.41 3.45 25.86 0.00 25.86 0.00 25.86 1.72 27.59 0.00 27.59 0.00 27.59 0.00 27.59 3.45 31.03 10.34 41.38 17.24 58.62 12.07 70.69 17.24 87.93 12.07 100.00

PERCENTAGE rp

993.31 5.00 0.00 3.61 98.41 0.00 11.71 29.16 0.00 0.00 9.71 0.00 0.00 0.00 139.55 102.50 1,753.78 575.17 2,176.83 2,008.56 7,907.30

993.31 998.31 998.31 1,001.92 1,100.33 1,100.33 1,112.03 1,141.20 1,141.20 1,141.20 1,150.91 1,150.91 1,150.91 1,150.91 1,290.46 1,392.96 3,146.74 3,721.91 5,898.74 7,907.30

BAND

12.56 0.06 0.00 0.05 1.24 0.00 0.15 0.37 0.00 0.00 0.12 0.00 0.00 0.00 1.76 1.30 22.18 7.27 27.53 25.40

PERCENTAGE

CUM.

BAND

12.56 12.63 12.63 12.67 13.92 13.92 14.06 14.43 14.43 14.43 14.55 14.55 14.55 14.55 16.32 17.62 39.80 47.07 74.60 100.00

64.20 32.31 0.00 10.56 125.30 0.00 12.64 21.08 0.00 0.00 5.95 0.00 0.00 0.00 35.37 8.12 75.26 42.96 68.49 44.55

CUM

64.20 63.89 62.36 61.28 64.22 61.27 58.89 56.30 53.76 50.57 47.56 43.75 41.26 37.00 36.82 29.22 44.34 44.12 50.79 49.04

49.04

Page 7 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2005

15/06/2009

DATE

15/09/2009

Metals

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

483 291 412 334 488 395 366 392 309 195 154 244 248 308 224 471 456 242 270 72 6,354

483 774 1,186 1,520 2,008 2,403 2,769 3,161 3,470 3,665 3,819 4,063 4,311 4,619 4,843 5,314 5,770 6,012 6,282 6,354

BAND

CUM.

7.60 7.60 4.58 12.18 6.48 18.67 5.26 23.92 7.68 31.60 6.22 37.82 5.76 43.58 6.17 49.75 4.86 54.61 3.07 57.68 2.42 60.10 3.84 63.94 3.90 67.85 4.85 72.69 3.53 76.22 7.41 83.63 7.18 90.81 3.81 94.62 4.25 98.87 1.13 100.00

PERCENTAGE rp

2,522.93 57.67 147.52 210.78 547.48 388.37 615.57 884.32 936.67 615.48 730.62 1,089.00 1,443.62 2,296.82 1,855.49 5,842.15 8,648.20 5,464.60 9,384.03 170,653.84 214,335.16

2,522.93 2,580.61 2,728.13 2,938.91 3,486.40 3,874.77 4,490.33 5,374.66 6,311.32 6,926.80 7,657.42 8,746.42 10,190.04 12,486.85 14,342.34 20,184.49 28,832.69 34,297.29 43,681.32 214,335.16

BAND

1.18 0.03 0.07 0.10 0.26 0.18 0.29 0.41 0.44 0.29 0.34 0.51 0.67 1.07 0.87 2.73 4.03 2.55 4.38 79.62

CUM.

1.18 1.20 1.27 1.37 1.63 1.81 2.10 2.51 2.94 3.23 3.57 4.08 4.75 5.83 6.69 9.42 13.45 16.00 20.38 100.00

PERCENTAGE f

10 1 1 0 0 3 5 2 4 3 0 4 6 4 4 18 26 18 27 9 145

10 11 12 12 12 15 20 22 26 29 29 33 39 43 47 65 91 109 136 145

BAND

CUM.

6.90 6.90 0.69 7.59 0.69 8.28 0.00 8.28 0.00 8.28 2.07 10.34 3.45 13.79 1.38 15.17 2.76 17.93 2.07 20.00 0.00 20.00 2.76 22.76 4.14 26.90 2.76 29.66 2.76 32.41 12.41 44.83 17.93 62.76 12.41 75.17 18.62 93.79 6.21 100.00

PERCENTAGE rp

535.07 92.58 21.70 0.00 0.00 506.61 626.58 18.93 1,702.18 62.76 0.00 302.31 2,209.17 185.15 94.86 7,868.24 1,965.01 4,075.09 13,532.57 874.36 34,673.15

535.07 627.64 649.34 649.34 649.34 1,155.95 1,782.53 1,801.46 3,503.64 3,566.40 3,566.40 3,868.71 6,077.87 6,263.02 6,357.89 14,226.12 16,191.13 20,266.22 33,798.79 34,673.15

BAND

1.54 0.27 0.06 0.00 0.00 1.46 1.81 0.05 4.91 0.18 0.00 0.87 6.37 0.53 0.27 22.69 5.67 11.75 39.03 2.52

PERCENTAGE

CUM.

BAND

1.54 1.81 1.87 1.87 1.87 3.33 5.14 5.20 10.10 10.29 10.29 11.16 17.53 18.06 18.34 41.03 46.70 58.45 97.48 100.00

21.21 160.52 14.71 0.00 0.00 130.45 101.79 2.14 181.73 10.20 0.00 27.76 153.03 8.06 5.11 134.68 22.72 74.57 144.21 0.51

CUM

21.21 24.32 23.80 22.09 18.62 29.83 39.70 33.52 55.51 51.49 46.57 44.23 59.65 50.16 44.33 70.48 56.16 59.09 77.38 16.18

16.18

TOTAL

Page 8 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2005

15/06/2009

DATE

15/09/2009

Chemical / Oils / Gas

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

870 161 332 444 543 467 507 538 398 283 291 381 235 397 277 491 483 233 214 67 7,612

870 1,031 1,363 1,807 2,350 2,817 3,324 3,862 4,260 4,543 4,834 5,215 5,450 5,847 6,124 6,615 7,098 7,331 7,545 7,612

BAND

CUM.

11.43 11.43 2.12 13.54 4.36 17.91 5.83 23.74 7.13 30.87 6.14 37.01 6.66 43.67 7.07 50.74 5.23 55.96 3.72 59.68 3.82 63.50 5.01 68.51 3.09 71.60 5.22 76.81 3.64 80.45 6.45 86.90 6.35 93.25 3.06 96.31 2.81 99.12 0.88 100.00

PERCENTAGE rp

4,566.23 96.58 240.11 562.68 1,120.72 999.76 1,495.86 2,040.20 1,867.37 1,562.66 1,911.16 2,709.19 2,231.34 4,161.80 3,757.42 8,785.44 13,532.44 6,076.49 9,946.24 23,771.74 91,435.45

4,566.23 4,662.81 4,902.92 5,465.60 6,586.33 7,586.09 9,081.95 11,122.15 12,989.51 14,552.17 16,463.33 19,172.52 21,403.86 25,565.67 29,323.09 38,108.53 51,640.98 57,717.47 67,663.71 91,435.45

BAND

4.99 0.11 0.26 0.62 1.23 1.09 1.64 2.23 2.04 1.71 2.09 2.96 2.44 4.55 4.11 9.61 14.80 6.65 10.88 26.00

CUM.

4.99 5.10 5.36 5.98 7.20 8.30 9.93 12.16 14.21 15.92 18.01 20.97 23.41 27.96 32.07 41.68 56.48 63.12 74.00 100.00

PERCENTAGE f

15 0 1 0 0 10 4 8 8 0 8 21 25 7 8 33 25 11 16 3 203

15 15 16 16 16 26 30 38 46 46 54 75 100 107 115 148 173 184 200 203

BAND

7.39 0.00 0.49 0.00 0.00 4.93 1.97 3.94 3.94 0.00 3.94 10.34 12.32 3.45 3.94 16.26 12.32 5.42 7.88 1.48

CUM.

7.39 7.39 7.88 7.88 7.88 12.81 14.78 18.72 22.66 22.66 26.60 36.95 49.26 52.71 56.65 72.91 85.22 90.64 98.52 100.00

PERCENTAGE rp

2,915.74 0.00 8.08 0.00 0.00 3,414.81 241.31 276.18 25.11 0.00 234.73 2,928.03 637.00 560.22 577.81 18,233.97 5,514.97 974.46 3,659.59 5,574.08 45,776.10

2,915.74 2,915.74 2,923.82 2,923.82 2,923.82 6,338.63 6,579.94 6,856.12 6,881.23 6,881.23 7,115.96 10,043.99 10,681.00 11,241.21 11,819.02 30,052.99 35,567.96 36,542.42 40,202.01 45,776.10

BAND

6.37 0.00 0.02 0.00 0.00 7.46 0.53 0.60 0.05 0.00 0.51 6.40 1.39 1.22 1.26 39.83 12.05 2.13 7.99 12.18

PERCENTAGE

CUM.

BAND

CUM

6.37 6.37 6.39 6.39 6.39 13.85 14.37 14.98 15.03 15.03 15.55 21.94 23.33 24.56 25.82 65.65 77.70 79.83 87.82 100.00

63.85 0.00 3.36 0.00 0.00 341.56 16.13 13.54 1.34 0.00 12.28 108.08 28.55 13.46 15.38 207.55 40.75 16.04 36.79 23.45

63.85 62.53 59.63 53.49 44.39 83.56 72.45 61.64 52.98 47.29 43.22 52.39 49.90 43.97 40.31 78.86 68.88 63.31 59.41 50.06

50.06

Page 9 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2005

15/06/2009

DATE

15/09/2009

Textiles

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

926 981 1,554 1,071 1,370 908 729 636 441 275 228 324 229 306 218 434 383 203 231 35 11,482

926 1,907 3,461 4,532 5,902 6,810 7,539 8,175 8,616 8,891 9,119 9,443 9,672 9,978 10,196 10,630 11,013 11,216 11,447 11,482

BAND

CUM.

8.06 8.54 13.53 9.33 11.93 7.91 6.35 5.54 3.84 2.40 1.99 2.82 1.99 2.67 1.90 3.78 3.34 1.77 2.01 0.30

8.06 16.61 30.14 39.47 51.40 59.31 65.66 71.20 75.04 77.43 79.42 82.24 84.24 86.90 88.80 92.58 95.92 97.68 99.70 100.00

PERCENTAGE rp

2,202.81 377.20 1,039.67 1,111.62 1,950.55 1,886.03 2,056.15 2,305.29 2,082.24 1,702.61 1,318.64 2,277.65 1,871.65 3,301.37 2,784.82 7,688.67 10,578.59 7,813.92 17,066.54 2,155.45 73,571.48

2,202.81 2,580.01 3,619.68 4,731.30 6,681.86 8,567.89 10,624.04 12,929.33 15,011.56 16,714.17 18,032.82 20,310.47 22,182.12 25,483.49 28,268.31 35,956.98 46,535.57 54,349.49 71,416.03 73,571.48

BAND

2.99 0.51 1.41 1.51 2.65 2.56 2.79 3.13 2.83 2.31 1.79 3.10 2.54 4.49 3.79 10.45 14.38 10.62 23.20 2.93

CUM.

2.99 3.51 4.92 6.43 9.08 11.65 14.44 17.57 20.40 22.72 24.51 27.61 30.15 34.64 38.42 48.87 63.25 73.87 97.07 100.00

PERCENTAGE f

28 0 7 2 3 4 3 6 5 3 4 19 4 14 5 34 54 54 48 4 301

28 28 35 37 40 44 47 53 58 61 65 84 88 102 107 141 195 249 297 301

BAND

CUM.

9.30 9.30 0.00 9.30 2.33 11.63 0.66 12.29 1.00 13.29 1.33 14.62 1.00 15.61 1.99 17.61 1.66 19.27 1.00 20.27 1.33 21.59 6.31 27.91 1.33 29.24 4.65 33.89 1.66 35.55 11.30 46.84 17.94 64.78 17.94 82.72 15.95 98.67 1.33 100.00

PERCENTAGE rp

5,943.69 0.00 758.60 135.74 258.13 21.94 10.05 1,747.13 1,370.86 1,926.48 82.39 9,870.81 3,054.32 8,733.40 235.58 1,426.11 18,272.00 10,617.50 25,823.10 1,999.41 92,287.22

5,943.69 5,943.69 6,702.29 6,838.03 7,096.16 7,118.10 7,128.15 8,875.28 10,246.14 12,172.62 12,255.01 22,125.82 25,180.14 33,913.54 34,149.12 35,575.22 53,847.22 64,464.72 90,287.82 92,287.22

BAND

6.44 0.00 0.82 0.15 0.28 0.02 0.01 1.89 1.49 2.09 0.09 10.70 3.31 9.46 0.26 1.55 19.80 11.50 27.98 2.17

CUM.

6.44 6.44 7.26 7.41 7.69 7.71 7.72 9.62 11.10 13.19 13.28 23.97 27.28 36.75 37.00 38.55 58.35 69.85 97.83 100.00

PERCENTAGE BAND

CUM

269.82 0.00 72.97 12.21 13.23 1.16 0.49 75.79 65.84 113.15 6.25 433.38 163.19 264.54 8.46 18.55 172.73 135.88 151.31 92.76

269.82 230.38 185.16 144.53 106.20 83.08 67.09 68.64 68.26 72.83 67.96 108.94 113.52 133.08 120.80 98.94 115.71 118.61 126.43 125.44

125.44

Page 10 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2005

15/06/2009

DATE

15/09/2009

Paper, Leather, Rubber

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

661 661 951 606 886 617 512 543 380 263 220 248 218 306 210 360 248 118 91 50 8,149

661 1,322 2,273 2,879 3,765 4,382 4,894 5,437 5,817 6,080 6,300 6,548 6,766 7,072 7,282 7,642 7,890 8,008 8,099 8,149

BAND

8.11 8.11 11.67 7.44 10.87 7.57 6.28 6.66 4.66 3.23 2.70 3.04 2.68 3.76 2.58 4.42 3.04 1.45 1.12 0.61

CUM.

8.11 16.22 27.89 35.33 46.20 53.77 60.06 66.72 71.38 74.61 77.31 80.35 83.03 86.78 89.36 93.78 96.82 98.27 99.39 100.00

PERCENTAGE rp

2,731.28 270.75 620.57 647.93 1,506.45 1,473.70 1,805.39 2,179.07 2,257.39 1,759.10 1,510.15 2,376.00 2,373.33 3,845.52 3,761.14 8,357.78 10,428.17 10,803.87 955.44 752,137.19 811,800.21

2,731.28 3,002.03 3,622.61 4,270.53 5,776.98 7,250.68 9,056.07 11,235.13 13,492.53 15,251.63 16,761.78 19,137.77 21,511.11 25,356.62 29,117.76 37,475.54 47,903.71 58,707.58 59,663.02 811,800.21

BAND

CUM.

0.34 0.34 0.03 0.37 0.08 0.45 0.08 0.53 0.19 0.71 0.18 0.89 0.22 1.12 0.27 1.38 0.28 1.66 0.22 1.88 0.19 2.06 0.29 2.36 0.29 2.65 0.47 3.12 0.46 3.59 1.03 4.62 1.28 5.90 1.33 7.23 0.12 7.35 92.65 100.00

PERCENTAGE f

8 2 6 0 2 2 1 2 6 6 7 3 1 9 11 27 14 8 1 5 121

BAND

CUM.

8 6.61 6.61 10 1.65 8.26 16 4.96 13.22 16 0.00 13.22 18 1.65 14.88 20 1.65 16.53 21 0.83 17.36 23 1.65 19.01 29 4.96 23.97 35 4.96 28.93 42 5.79 34.71 45 2.48 37.19 46 0.83 38.02 55 7.44 45.45 66 9.09 54.55 93 22.31 76.86 107 11.57 88.43 115 6.61 95.04 116 0.83 95.87 121 4.13 100.00

PERCENTAGE rp

347.94 187.07 509.58 0.00 710.75 556.23 100.47 608.66 181.17 229.58 733.81 2,546.66 544.35 6,509.50 1,085.85 5,472.57 22,310.62 3,383.85 25,357.05 25,263.72 96,639.41

347.94 535.02 1,044.59 1,044.59 1,755.34 2,311.57 2,412.03 3,020.69 3,201.86 3,431.45 4,165.25 6,711.91 7,256.26 13,765.76 14,851.60 20,324.17 42,634.79 46,018.64 71,375.69 96,639.41

BAND

0.36 0.19 0.53 0.00 0.74 0.58 0.10 0.63 0.19 0.24 0.76 2.64 0.56 6.74 1.12 5.66 23.09 3.50 26.24 26.14

CUM.

0.36 0.55 1.08 1.08 1.82 2.39 2.50 3.13 3.31 3.55 4.31 6.95 7.51 14.24 15.37 21.03 44.12 47.62 73.86 100.00

PERCENTAGE BAND

12.74 69.09 82.11 0.00 47.18 37.74 5.56 27.93 8.03 13.05 48.59 107.18 22.94 169.27 28.87 65.48 213.95 31.32 2653.98 3.36

CUM

12.74 17.82 28.84 24.46 30.39 31.88 26.63 26.89 23.73 22.50 24.85 35.07 33.73 54.29 51.01 54.23 89.00 78.39 119.63 11.90

11.90

Page 11 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 26

DATA POSITION FROM PROCESSING

01/01/2005

15/06/2009

DATE

15/09/2009

Wood, Bamboo and Rattan

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

960 730 762 499 645 475 360 461 281 211 174 231 205 265 168 310 238 107 138 28 7,248

960 1,690 2,452 2,951 3,596 4,071 4,431 4,892 5,173 5,384 5,558 5,789 5,994 6,259 6,427 6,737 6,975 7,082 7,220 7,248

BAND

CUM.

13.25 10.07 10.51 6.88 8.90 6.55 4.97 6.36 3.88 2.91 2.40 3.19 2.83 3.66 2.32 4.28 3.28 1.48 1.90 0.39

13.25 23.32 33.83 40.71 49.61 56.17 61.13 67.49 71.37 74.28 76.68 79.87 82.70 86.35 88.67 92.95 96.23 97.71 99.61 100.0

PERCENTAGE rp

4,742.68 531.33 1,007.81 1,057.68 1,890.78 2,060.03 1,971.55 3,569.90 2,532.38 2,374.75 2,312.73 3,552.84 3,791.77 6,980.31 4,803.51 11,834.90 12,790.00 8,161.86 12,927.50 1,016.39 89,910.65

BAND

CUM.

4,742.68 5.27 5.27 5,274.00 0.59 5.87 6,281.81 1.12 6.99 7,339.49 1.18 8.16 9,230.27 2.10 10.27 11,290.30 2.29 12.56 13,261.84 2.19 14.75 16,831.74 3.97 18.72 19,364.11 2.82 21.54 21,738.87 2.64 24.18 24,051.59 2.57 26.75 27,604.43 3.95 30.70 31,396.20 4.22 34.92 38,376.50 7.76 42.68 43,180.01 5.34 48.03 55,014.91 13.16 61.19 67,804.91 14.23 75.41 75,966.76 9.08 84.49 88,894.26 14.38 98.87 89,910.65 1.13 100.00

PERCENTAGE f

25 2 3 8 6 4 3 10 4 5 5 8 9 12 5 21 13 13 23 2 181

BAND

25 13.81 27 1.10 30 1.66 38 4.42 44 3.31 48 2.21 51 1.66 61 5.52 65 2.21 70 2.76 75 2.76 83 4.42 92 4.97 104 6.63 109 2.76 130 11.60 143 7.18 156 7.18 179 12.71 181 1.10

CUM.

13.81 14.92 16.57 20.99 24.31 26.52 28.18 33.70 35.91 38.67 41.44 45.86 50.83 57.46 60.22 71.82 79.01 86.19 98.90 100.00

PERCENTAGE rp

1,777.46 12.43 43.62 856.38 764.93 583.73 253.33 1,317.21 1,505.43 1,121.76 3,749.55 1,004.30 18,896.04 4,831.75 5,218.84 919.82 3,698.42 8,324.25 4,736.30 905.18 60,520.73

1,777.46 1,789.89 1,833.51 2,689.88 3,454.82 4,038.55 4,291.87 5,609.08 7,114.51 8,236.28 11,985.82 12,990.12 31,886.16 36,717.91 41,936.76 42,856.58 46,555.00 54,879.25 59,615.55 60,520.73

BAND

2.94 0.02 0.07 1.42 1.26 0.96 0.42 2.18 2.49 1.85 6.20 1.66 31.22 7.98 8.62 1.52 6.11 13.75 7.83 1.50

CUM.

2.94 2.96 3.03 4.44 5.71 6.67 7.09 9.27 11.76 13.61 19.80 21.46 52.69 60.67 69.29 70.81 76.92 90.68 98.50 100.00

PERCENTAGE BAND

CUM

37.48 2.34 4.33 80.97 40.46 28.34 12.85 36.90 59.45 47.24 162.13 28.27 498.34 69.22 108.65 7.77 28.92 101.99 36.64 89.06

37.48 33.94 29.19 36.65 37.43 35.77 32.36 33.32 36.74 37.89 49.83 47.06 101.56 95.68 97.12 77.90 68.66 72.24 67.06 67.31

67.31

Page 12 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

Nutritional, Drinks and Tobacco

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

3,228 1,969 2,077 1,292 1,482 938 691 763 559 345 303 454 326 499 366 557 657 277 192 75 17,050

3,228 5,197 7,274 8,566 10,048 10,986 11,677 12,440 12,999 13,344 13,647 14,101 14,427 14,926 15,292 15,849 16,506 16,783 16,975 17,050

BAND

CUM.

18.93 18.93 11.55 30.48 12.18 42.66 7.58 50.24 8.69 58.93 5.50 64.43 4.05 68.49 4.48 72.96 3.28 76.24 2.02 78.26 1.78 80.04 2.66 82.70 1.91 84.62 2.93 87.54 2.15 89.69 3.27 92.96 3.85 96.81 1.62 98.43 1.13 99.56 0.44 100.00

PERCENTAGE rp

2,170.28 529.15 906.15 894.17 1,524.54 1,453.84 1,321.45 1,928.26 1,803.57 1,224.83 1,336.30 2,225.79 2,247.50 3,594.29 3,486.54 7,328.88 19,442.05 8,650.15 2,984.14 1,851.54 66,903.41

2,170.28 2,699.43 3,605.58 4,499.75 6,024.28 7,478.12 8,799.57 10,727.83 12,531.40 13,756.23 15,092.53 17,318.32 19,565.82 23,160.11 26,646.65 33,975.53 53,417.58 62,067.73 65,051.87 66,903.41

BAND

CUM.

3.24 3.24 0.79 4.03 1.35 5.39 1.34 6.73 2.28 9.00 2.17 11.18 1.98 13.15 2.88 16.03 2.70 18.73 1.83 20.56 2.00 22.56 3.33 25.89 3.36 29.24 5.37 34.62 5.21 39.83 10.95 50.78 29.06 79.84 12.93 92.77 4.46 97.23 2.77 100.00

PERCENTAGE f

31 4 8 5 2 12 18 11 8 5 5 7 43 14 9 23 28 26 6 7

31 35 43 48 50 62 80 91 99 104 109 116 159 173 182 205 233 259 265 272

272

BAND

11.40 1.47 2.94 1.84 0.74 4.41 6.62 4.04 2.94 1.84 1.84 2.57 15.81 5.15 3.31 8.46 10.29 9.56 2.21 2.57

CUM.

11.40 12.87 15.81 17.65 18.38 22.79 29.41 33.46 36.40 38.24 40.07 42.65 58.46 63.60 66.91 75.37 85.66 95.22 97.43 100.00

PERCENTAGE rp

4,009.07 196.58 758.38 551.53 131.36 219.34 3,656.46 1,747.81 2,053.71 1,072.67 279.67 340.45 381.98 402.61 521.77 2,553.80 1,416.78 6,083.50 1,621.12 4,901.30 32,899.89

4,009.07 4,205.65 4,964.04 5,515.57 5,646.93 5,866.27 9,522.73 11,270.54 13,324.25 14,396.92 14,676.59 15,017.04 15,399.02 15,801.63 16,323.40 18,877.19 20,293.97 26,377.47 27,998.59 32,899.89

BAND

12.19 0.60 2.31 1.68 0.40 0.67 11.11 5.31 6.24 3.26 0.85 1.03 1.16 1.22 1.59 7.76 4.31 18.49 4.93 14.90

PERCENTAGE

CUM.

BAND

CUM

12.19 12.78 15.09 16.76 17.16 17.83 28.94 34.26 40.50 43.76 44.61 45.64 46.81 48.03 49.62 57.38 61.68 80.17 85.10 100.00

184.73 37.15 83.69 61.68 8.62 15.09 276.70 90.64 113.87 87.58 20.93 15.30 17.00 11.20 14.97 34.85 7.29 70.33 54.32 264.72

184.73 155.80 137.68 122.57 93.74 78.45 108.22 105.06 106.33 104.66 97.24 86.71 78.70 68.23 61.26 55.56 37.99 42.50 43.04 49.18

49.18

Page 13 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 28

DATA POSITION FROM PROCESSING

01/01/2005

15/06/2009

DATE

15/09/2009

Power and Heating

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

5 4 10 5 11 4 9 17 1 4 8 17 9 33 11 32 42 6 27 28 283

5 9 19 24 35 39 48 65 66 70 78 95 104 137 148 180 222 228 255 283

BAND

CUM.

1.77 1.77 1.41 3.18 3.53 6.71 1.77 8.48 3.89 12.37 1.41 13.78 3.18 16.96 6.01 22.97 0.35 23.32 1.41 24.73 2.83 27.56 6.01 33.57 3.18 36.75 11.66 48.41 3.89 52.30 11.31 63.60 14.84 78.45 2.12 80.57 9.54 90.11 9.89 100.00

PERCENTAGE rp

3.34 0.39 12.56 3.21 11.97 2.78 9.43 32.23 0.62 12.08 19.48 29.92 38.08 83.77 113.40 261.80 602.74 212.12 1,996.67 245.36 3,691.97

3.34 3.74 16.30 19.51 31.48 34.26 43.70 75.92 76.55 88.63 108.10 138.03 176.11 259.88 373.28 635.08 1,237.82 1,449.93 3,446.60 3,691.97

BAND

0.09 0.01 0.34 0.09 0.32 0.08 0.26 0.87 0.02 0.33 0.53 0.81 1.03 2.27 3.07 7.09 16.33 5.75 54.08 6.65

CUM.

0.09 0.10 0.44 0.53 0.85 0.93 1.18 2.06 2.07 2.40 2.93 3.74 4.77 7.04 10.11 17.20 33.53 39.27 93.35 100.00

PERCENTAGE f

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

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 6.67 6.67 6.67 13.33 0.00 13.33 0.00 13.33 0.00 13.33 0.00 13.33 0.00 13.33 0.00 13.33 13.33 26.67 6.67 33.33 6.67 40.00 20.00 60.00 40.00 100.00 0.00 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 10.09 166.67 0.00 0.00 0.00 0.00 0.00 0.00 579.44 20.79 2.84 123.05 8,831.17 0.00 9,734.05

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 10.09 0.10 0.10 176.77 1.71 1.82 176.77 0.00 1.82 176.77 0.00 1.82 176.77 0.00 1.82 176.77 0.00 1.82 176.77 0.00 1.82 176.77 0.00 1.82 756.21 5.95 7.77 777.00 0.21 7.98 779.84 0.03 8.01 902.89 1.26 9.28 9,734.05 90.72 100.00 9,734.05 0.00 100.00

PERCENTAGE BAND

CUM

0.00 0.00 0.00 0.00 0.00 0.00 107.02 517.15 0.00 0.00 0.00 0.00 0.00 0.00 510.99 7.94 0.47 58.01 442.29 0.00

0.00 0.00 0.00 0.00 0.00 0.00 23.10 232.82 230.93 199.45 163.52 128.07 100.37 68.02 202.59 122.35 63.00 62.27 282.42 263.65

263.65

Page 14 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 29

01/01/2005

15/06/2009

DATE

15/09/2009

DATA POSITION FROM

PROCESSING

Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotel, Entertainment, Sport and Services The Caring Services, Motor Vehicle Repair Shop, Private Building, Propierty of Public Bodies SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

144,161 141,268 152,367 83,763 86,375 40,830 28,311 20,167 11,016 5,854 4,405 4,733 3,095 3,496 2,174 3,146 2,191 858 991 323 739,524

144,161 285,429 437,796 521,559 607,934 648,764 677,075 697,242 708,258 714,112 718,517 723,250 726,345 729,841 732,015 735,161 737,352 738,210 739,201 739,524

BAND

CUM.

19.49 19.49 19.10 38.60 20.60 59.20 11.33 70.53 11.68 82.21 5.52 87.73 3.83 91.56 2.73 94.28 1.49 95.77 0.79 96.56 0.60 97.16 0.64 97.80 0.42 98.22 0.47 98.69 0.29 98.98 0.43 99.41 0.30 99.71 0.12 99.82 0.13 99.96 0.04 100.00

PERCENTAGE rp

32,643.18 32,567.49 62,682.26 56,202.84 87,037.28 59,243.43 57,854.38 54,789.70 39,450.08 25,250.15 21,055.79 27,707.58 22,419.22 29,907.90 28,540.68 43,359.40 43,007.15 21,340.60 41,899.00 51,717.60 838,675.72

32,643.18 65,210.67 127,892.93 184,095.77 271,133.05 330,376.48 388,230.86 443,020.56 482,470.64 507,720.79 528,776.58 556,484.16 578,903.38 608,811.27 637,351.95 680,711.35 723,718.51 745,059.11 786,958.12 838,675.72

BAND

CUM.

3.89 3.89 3.88 7.78 7.47 15.25 6.70 21.95 10.38 32.33 7.06 39.39 6.90 46.29 6.53 52.82 4.70 57.53 3.01 60.54 2.51 63.05 3.30 66.35 2.67 69.03 3.57 72.59 3.40 76.00 5.17 81.17 5.13 86.29 2.54 88.84 5.00 93.83 6.17 100.00

PERCENTAGE f

333 267 358 134 258 136 111 101 83 49 45 72 51 102 66 142 370 145 365 150 3,338

333 600 958 1,092 1,350 1,486 1,597 1,698 1,781 1,830 1,875 1,947 1,998 2,100 2,166 2,308 2,678 2,823 3,188 3,338

BAND

CUM.

9.98 9.98 8.00 17.97 10.72 28.70 4.01 32.71 7.73 40.44 4.07 44.52 3.33 47.84 3.03 50.87 2.49 53.36 1.47 54.82 1.35 56.17 2.16 58.33 1.53 59.86 3.06 62.91 1.98 64.89 4.25 69.14 11.08 80.23 4.34 84.57 10.93 95.51 4.49 100.00

PERCENTAGE rp

21,131.04 12,987.44 21,743.45 14,945.91 34,304.20 18,066.52 25,002.25 20,598.52 52,039.63 7,323.05 11,568.51 23,389.70 8,336.70 28,366.21 4,272.07 47,127.32 50,708.71 69,165.21 93,381.29 248,931.47 813,389.20

BAND

CUM.

21,131.04 2.60 2.60 34,118.48 1.60 4.19 55,861.92 2.67 6.87 70,807.83 1.84 8.71 105,112.04 4.22 12.92 123,178.56 2.22 15.14 148,180.81 3.07 18.22 168,779.33 2.53 20.75 220,818.95 6.40 27.15 228,142.00 0.90 28.05 239,710.51 1.42 29.47 263,100.21 2.88 32.35 271,436.91 1.02 33.37 299,803.12 3.49 36.86 304,075.20 0.53 37.38 351,202.52 5.79 43.18 401,911.23 6.23 49.41 471,076.44 8.50 57.92 564,457.73 11.48 69.40 813,389.20 30.60 100.00

PERCENTAGE BAND

64.73 39.88 34.69 26.59 39.41 30.50 43.22 37.60 131.91 29.00 54.94 84.42 37.19 94.85 14.97 108.69 117.91 324.10 222.87 481.33

CUM

64.73 52.32 43.68 38.46 38.77 37.28 38.17 38.10 45.77 44.93 45.33 47.28 46.89 49.24 47.71 51.59 55.53 63.23 71.73 96.98

96.98

Page 15 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2005

15/06/2009

DATE

15/09/2009

Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

7 11 6 14 5 6 6 11 5 7 7 5 2 9 7 7 4 0 0 0 119

BAND

7 18 24 38 43 49 55 66 71 78 85 90 92 101 108 115 119 119 119 119

5.88 9.24 5.04 11.76 4.20 5.04 5.04 9.24 4.20 5.88 5.88 4.20 1.68 7.56 5.88 5.88 3.36 0.00 0.00 0.00

CUM.

5.88 15.13 20.17 31.93 36.13 41.18 46.22 55.46 59.66 65.55 71.43 75.63 77.31 84.87 90.76 96.64 100.00 100.00 100.00 100.00

PERCENTAGE rp

8.05 4.68 5.37 27.63 11.73 25.95 52.08 93.24 83.87 80.30 112.02 130.93 34.18 254.48 357.72 475.98 1,060.36 0.00 0.00 0.00 2,818.57

8.05 12.72 18.10 45.73 57.45 83.41 135.49 228.73 312.60 392.90 504.92 635.85 670.03 924.51 1,282.23 1,758.21 2,818.57 2,818.57 2,818.57 2,818.57

BAND

0.29 0.17 0.19 0.98 0.42 0.92 1.85 3.31 2.98 2.85 3.97 4.65 1.21 9.03 12.69 16.89 37.62 0.00 0.00 0.00

CUM.

0.29 0.45 0.64 1.62 2.04 2.96 4.81 8.12 11.09 13.94 17.91 22.56 23.77 32.80 45.49 62.38 100.00 100.00 100.00 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 1 1 0 0 1 0 0 1 0 0 0 4

BAND

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

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 25.00 0.00 0.00 25.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.00 50.00 50.00 50.00 75.00 75.00 75.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,077.69 25.00 0.00 0.00 41.58 0.00 0.00 102.36 0.00 0.00 0.00 1,246.63

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,077.69 1,102.69 1,102.69 1,102.69 1,144.27 1,144.27 1,144.27 1,246.63 1,246.63 1,246.63 1,246.63

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 86.45 2.01 0.00 0.00 3.34 0.00 0.00 8.21 0.00 0.00 0.00

CUM.

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 86.45 1342.06 88.45 22.32 88.45 0.00 88.45 0.00 91.79 16.34 91.79 0.00 91.79 0.00 100.00 9.65 100.00 0.00 100.00 0.00 100.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 274.29 218.39 173.42 164.57 123.77 89.24 65.08 44.23 44.23 44.23 44.23

44.23

Page 16 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2005

15/06/2009

DATE

15/09/2009

Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million)

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

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

PERCENTAGE f

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

37 10 16 19 16 22 9 25 12 10 6 11 7 18 20 34 72 43 12 6 405

37 47 63 82 98 120 129 154 166 176 182 193 200 218 238 272 344 387 399 405

BAND

CUM.

9.14 9.14 2.47 11.60 3.95 15.56 4.69 20.25 3.95 24.20 5.43 29.63 2.22 31.85 6.17 38.02 2.96 40.99 2.47 43.46 1.48 44.94 2.72 47.65 1.73 49.38 4.44 53.83 4.94 58.77 8.40 67.16 17.78 84.94 10.62 95.56 2.96 98.52 1.48 100.00

PERCENTAGE rp

165.89 4.68 6.72 14.07 15.58 66.02 33.29 85.86 61.78 65.77 33.10 145.65 67.83 378.70 493.86 1,294.45 3,407.46 1,490.84 191.35 102.62 8,125.51

165.89 170.57 177.29 191.36 206.94 272.96 306.25 392.11 453.88 519.65 552.75 698.39 766.23 1,144.92 1,638.79 2,933.23 6,340.70 7,831.54 8,022.89 8,125.51

BAND

2.04 0.06 0.08 0.17 0.19 0.81 0.41 1.06 0.76 0.81 0.41 1.79 0.83 4.66 6.08 15.93 41.94 18.35 2.35 1.26

CUM.

2.04 2.10 2.18 2.36 2.55 3.36 3.77 4.83 5.59 6.40 6.80 8.60 9.43 14.09 20.17 36.10 78.03 96.38 98.74 100.00

PERCENTAGE f

14 0 0 0 0 0 0 2 0 0 0 0 0 1 0 1 8 2 0 0 28

BAND

14 14 14 14 14 14 14 16 16 16 16 16 16 17 17 18 26 28 28 28

CUM.

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 7.14 57.14 0.00 57.14 0.00 57.14 0.00 57.14 0.00 57.14 0.00 57.14 3.57 60.71 0.00 60.71 3.57 64.29 28.57 92.86 7.14 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

116.04 0.00 0.00 0.00 0.00 0.00 0.00 323.82 0.00 0.00 0.00 0.00 0.00 7.12 0.00 2.64 1,301.51 120.00 0.00 0.00 1,871.13

116.04 116.04 116.04 116.04 116.04 116.04 116.04 439.86 439.86 439.86 439.86 439.86 439.86 446.98 446.98 449.62 1,751.13 1,871.13 1,871.13 1,871.13

BAND

6.20 0.00 0.00 0.00 0.00 0.00 0.00 17.31 0.00 0.00 0.00 0.00 0.00 0.38 0.00 0.14 69.56 6.41 0.00 0.00

PERCENTAGE

CUM.

BAND

CUM

6.20 6.20 6.20 6.20 6.20 6.20 6.20 23.51 23.51 23.51 23.51 23.51 23.51 23.89 23.89 24.03 93.59 100.00 100.00 100.00

69.95 0.00 0.00 0.00 0.00 0.00 0.00 377.16 0.00 0.00 0.00 0.00 0.00 1.88 0.00 0.20 38.20 8.05 0.00 0.00

69.95 68.03 65.45 60.64 56.07 42.51 37.89 112.18 96.91 84.65 79.58 62.98 57.41 39.04 27.28 15.33 27.62 23.89 23.32 23.03

23.03

Page 17 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 32

DATA POSITION FROM PROCESSING

01/01/2005

15/06/2009

DATE

15/09/2009

Recreation Place

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

3 3 1 2 2 1 4 2 4 3 4 6 4 2 3 6 6 3 2 0 61

BAND

3 6 7 9 11 12 16 18 22 25 29 35 39 41 44 50 56 59 61 61

CUM.

4.92 4.92 4.92 9.84 1.64 11.48 3.28 14.75 3.28 18.03 1.64 19.67 6.56 26.23 3.28 29.51 6.56 36.07 4.92 40.98 6.56 47.54 9.84 57.38 6.56 63.93 3.28 67.21 4.92 72.13 9.84 81.97 9.84 91.80 4.92 96.72 3.28 100.00 0.00 100.00

PERCENTAGE rp

3.45 15.22 2.51 2.25 1.03 2.64 14.57 4.66 24.07 18.65 42.93 71.88 47.95 47.00 74.52 275.30 501.69 727.03 59.00 0.00 1,936.35

3.45 18.67 21.18 23.43 24.47 27.11 41.68 46.33 70.41 89.05 131.98 203.86 251.81 298.81 373.33 648.64 1,150.32 1,877.35 1,936.35 1,936.35

BAND

0.18 0.79 0.13 0.12 0.05 0.14 0.75 0.24 1.24 0.96 2.22 3.71 2.48 2.43 3.85 14.22 25.91 37.55 3.05 0.00

CUM.

0.18 0.96 1.09 1.21 1.26 1.40 2.15 2.39 3.64 4.60 6.82 10.53 13.00 15.43 19.28 33.50 59.41 96.95 100.00 100.00

PERCENTAGE f

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

BAND

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.67 0.00 16.67 0.00 16.67 50.00 0.00 0.00 0.00 0.00

CUM.

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

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 55.17 0.00 12.55 0.00 127.80 376.43 0.00 0.00 0.00 0.00 571.96

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 55.17 55.17 67.72 67.72 195.52 571.96 571.96 571.96 571.96 571.96

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.65 0.00 2.19 0.00 22.34 65.82 0.00 0.00 0.00 0.00

PERCENTAGE

CUM.

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.65 9.65 11.84 11.84 34.18 100.00 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 128.52 0.00 26.17 0.00 171.50 136.73 0.00 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 41.80 27.06 26.89 22.66 52.37 88.18 49.72 30.47 29.54 29.54

29.54

Page 18 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 40

DATA POSITION FROM

01/01/2005

15/06/2009

DATE

15/09/2009

PROCESSING

Non Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

43 15 4 4 9 4 5 1 4 5 3 2 5 8 3 13 6 6 2 0 142

43 58 62 66 75 79 84 85 89 94 97 99 104 112 115 128 134 140 142 142

BAND

30.28 10.56 2.82 2.82 6.34 2.82 3.52 0.70 2.82 3.52 2.11 1.41 3.52 5.63 2.11 9.15 4.23 4.23 1.41 0.00

CUM.

30.28 40.85 43.66 46.48 52.82 55.63 59.15 59.86 62.68 66.20 68.31 69.72 73.24 78.87 80.99 90.14 94.37 98.59 100.00 100.00

PERCENTAGE rp

26.27 9.09 3.33 8.00 10.29 5.16 14.72 7.57 56.17 14.11 11.14 10.52 44.18 106.91 0.13 405.89 204.64 267.56 236.43 0.00 1,442.12

26.27 35.36 38.69 46.69 56.98 62.14 76.86 84.43 140.61 154.72 165.86 176.38 220.56 327.47 327.60 733.49 938.13 1,205.69 1,442.12 1,442.12

BAND

1.82 0.63 0.23 0.55 0.71 0.36 1.02 0.53 3.90 0.98 0.77 0.73 3.06 7.41 0.01 28.15 14.19 18.55 16.39 0.00

CUM.

1.82 2.45 2.68 3.24 3.95 4.31 5.33 5.85 9.75 10.73 11.50 12.23 15.29 22.71 22.72 50.86 65.05 83.61 100.00 100.00

PERCENTAGE f

0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 7 0 10

0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 3 10 10

BAND

CUM.

PERCENTAGE rp

0.00 0.00 0.00 10.00 10.00 7.00 0.00 10.00 0.00 0.00 10.00 0.00 0.00 10.00 0.00 0.00 10.00 0.00 0.00 10.00 0.00 0.00 10.00 0.00 0.00 10.00 0.00 0.00 10.00 0.00 0.00 10.00 0.00 0.00 10.00 0.00 0.00 10.00 0.00 0.00 10.00 0.00 0.00 10.00 0.00 0.00 10.00 0.00 0.00 10.00 0.00 20.00 30.00 3,296.58 70.00 100.00 138.69 0.00 100.00 0.00 3,442.26

0.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 3,303.58 3,442.26 3,442.26

PERCENTAGE

BAND

CUM.

BAND

0.00 0.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 95.77 4.03 0.00

0.00 0.00 0.20 77.05 0.20 0.00 0.20 0.00 0.20 0.00 0.20 0.00 0.20 0.00 0.20 0.00 0.20 0.00 0.20 0.00 0.20 0.00 0.20 0.00 0.20 0.00 0.20 0.00 0.20 0.00 0.20 0.00 0.20 0.00 95.97 1232.09 100.00 58.66 100.00 0.00

CUM

0.00 19.80 18.09 14.99 12.29 11.27 9.11 8.29 4.98 4.52 4.22 3.97 3.17 2.14 2.14 0.95 0.75 274.00 238.69 238.69

238.69

Page 19 of 204

RISK AND LOSS PROFILE 2005 GROUP BY PROVINCE

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

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 01

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

NANGROE ACEH DARUSSALAM

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

1,188 963 823 387 299 130 64 43 16 10 10 15 8 8 5 8 17 8 2 3 4,007

1,188 2,151 2,974 3,361 3,660 3,790 3,854 3,897 3,913 3,923 3,933 3,948 3,956 3,964 3,969 3,977 3,994 4,002 4,004 4,007

BAND

CUM.

29.65 29.65 24.03 53.68 20.54 74.22 9.66 83.88 7.46 91.34 3.24 94.58 1.60 96.18 1.07 97.25 0.40 97.65 0.25 97.90 0.25 98.15 0.37 98.53 0.20 98.73 0.20 98.93 0.12 99.05 0.20 99.25 0.42 99.68 0.20 99.88 0.05 99.93 0.07 100.00

PERCENTAGE rp

173.01 391.92 602.94 429.49 493.40 323.45 194.88 126.14 41.06 35.13 34.41 127.87 69.98 50.01 143.28 188.11 455.14 221.21 1,325.66 1,061.50 6,488.59

173.01 564.93 1,167.87 1,597.36 2,090.77 2,414.22 2,609.10 2,735.24 2,776.30 2,811.42 2,845.84 2,973.71 3,043.69 3,093.70 3,236.98 3,425.09 3,880.23 4,101.44 5,427.10 6,488.59

BAND

2.67 6.04 9.29 6.62 7.60 4.98 3.00 1.94 0.63 0.54 0.53 1.97 1.08 0.77 2.21 2.90 7.01 3.41 20.43 16.36

CUM.

2.67 8.71 18.00 24.62 32.22 37.21 40.21 42.15 42.79 43.33 43.86 45.83 46.91 47.68 49.89 52.79 59.80 63.21 83.64 100.00

PERCENTAGE f

1 6 2 3 1 0 0 1 0 0 1 0 0 0 1 0 2 1 0 0 19

1 7 9 12 13 13 13 14 14 14 15 15 15 15 16 16 18 19 19 19

BAND

CUM.

5.26 5.26 31.58 36.84 10.53 47.37 15.79 63.16 5.26 68.42 0.00 68.42 0.00 68.42 5.26 73.68 0.00 73.68 0.00 73.68 5.26 78.95 0.00 78.95 0.00 78.95 0.00 78.95 5.26 84.21 0.00 84.21 10.53 94.74 5.26 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

1.85 258.80 52.75 511.17 438.47 0.00 0.00 0.00 0.00 0.00 30.20 0.00 0.00 0.00 1.00 0.00 1,190.82 60.68 0.00 0.00 2,545.74

1.85 260.65 313.40 824.56 1,263.03 1,263.03 1,263.03 1,263.03 1,263.03 1,263.03 1,293.23 1,293.23 1,293.23 1,293.23 1,294.23 1,294.23 2,485.06 2,545.74 2,545.74 2,545.74

BAND

CUM.

0.07 0.07 10.17 10.24 2.07 12.31 20.08 32.39 17.22 49.61 0.00 49.61 0.00 49.61 0.00 49.61 0.00 49.61 0.00 49.61 1.19 50.80 0.00 50.80 0.00 50.80 0.00 50.80 0.04 50.84 0.00 50.84 46.78 97.62 2.38 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

1.07 66.03 8.75 119.02 88.87 0.00 0.00 0.00 0.00 0.00 87.77 0.00 0.00 0.00 0.70 0.00 261.64 27.43 0.00 0.00

CUM

1.07 46.14 26.83 51.62 60.41 52.32 48.41 46.18 45.49 44.92 45.44 43.49 42.49 41.80 39.98 37.79 64.04 62.07 46.91 39.23

39.23

Page 20 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 02

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

SUMATERA UTARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

8,703 9,101 12,607 6,651 6,011 2,428 1,646 1,158 700 356 294 404 247 337 196 334 308 109 52 25 51,667

8,703 17,804 30,411 37,062 43,073 45,501 47,147 48,305 49,005 49,361 49,655 50,059 50,306 50,643 50,839 51,173 51,481 51,590 51,642 51,667

BAND

CUM.

16.84 16.84 17.61 34.46 24.40 58.86 12.87 71.73 11.63 83.37 4.70 88.07 3.19 91.25 2.24 93.49 1.35 94.85 0.69 95.54 0.57 96.11 0.78 96.89 0.48 97.37 0.65 98.02 0.38 98.40 0.65 99.04 0.60 99.64 0.21 99.85 0.10 99.95 0.05 100.00

PERCENTAGE rp

2,727.49 1,966.59 4,744.30 4,488.15 6,132.59 3,741.44 3,996.86 3,541.73 2,783.60 1,742.03 1,787.71 2,824.22 1,957.03 3,668.74 2,831.97 6,774.42 9,554.09 3,042.41 1,826.26 1,656.82 71,788.45

2,727.49 4,694.08 9,438.38 13,926.53 20,059.12 23,800.56 27,797.42 31,339.15 34,122.75 35,864.78 37,652.49 40,476.70 42,433.74 46,102.48 48,934.45 55,708.87 65,262.96 68,305.38 70,131.63 71,788.45

BAND

CUM.

3.80 3.80 2.74 6.54 6.61 13.15 6.25 19.40 8.54 27.94 5.21 33.15 5.57 38.72 4.93 43.65 3.88 47.53 2.43 49.96 2.49 52.45 3.93 56.38 2.73 59.11 5.11 64.22 3.94 68.16 9.44 77.60 13.31 90.91 4.24 95.15 2.54 97.69 2.31 100.00

PERCENTAGE f

34 14 15 14 13 4 16 9 2 1 1 4 3 5 5 15 17 9 8 6

34 48 63 77 90 94 110 119 121 122 123 127 130 135 140 155 172 181 189 195

195

BAND

CUM.

17.44 17.44 7.18 24.62 7.69 32.31 7.18 39.49 6.67 46.15 2.05 48.21 8.21 56.41 4.62 61.03 1.03 62.05 0.51 62.56 0.51 63.08 2.05 65.13 1.54 66.67 2.56 69.23 2.56 71.79 7.69 79.49 8.72 88.21 4.62 92.82 4.10 96.92 3.08 100.00

PERCENTAGE rp

2,123.79 756.69 773.78 1,038.86 1,113.50 682.38 3,305.30 1,155.97 27.13 823.13 91.05 359.69 69.04 1,273.21 48.26 1,310.13 968.33 391.63 17,617.37 1,625.99 35,555.22

2,123.79 2,880.48 3,654.26 4,693.12 5,806.62 6,488.99 9,794.29 10,950.26 10,977.39 11,800.52 11,891.56 12,251.25 12,320.29 13,593.50 13,641.77 14,951.90 15,920.23 16,311.86 33,929.23 35,555.22

BAND

5.97 2.13 2.18 2.92 3.13 1.92 9.30 3.25 0.08 2.32 0.26 1.01 0.19 3.58 0.14 3.68 2.72 1.10 49.55 4.57

CUM.

5.97 8.10 10.28 13.20 16.33 18.25 27.55 30.80 30.87 33.19 33.45 34.46 34.65 38.23 38.37 42.05 44.78 45.88 95.43 100.00

PERCENTAGE BAND

77.87 38.48 16.31 23.15 18.16 18.24 82.70 32.64 0.97 47.25 5.09 12.74 3.53 34.70 1.70 19.34 10.14 12.87 964.67 98.14

CUM

77.87 61.36 38.72 33.70 28.95 27.26 35.23 34.94 32.17 32.90 31.58 30.27 29.03 29.49 27.88 26.84 24.39 23.88 48.38 49.53

49.53

Page 21 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 03

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

SUMATERA BARAT

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

3,991 4,581 4,513 2,154 1,941 750 609 421 255 137 116 116 93 104 78 124 51 24 14 10 20,082

3,991 8,572 13,085 15,239 17,180 17,930 18,539 18,960 19,215 19,352 19,468 19,584 19,677 19,781 19,859 19,983 20,034 20,058 20,072 20,082

BAND

CUM.

19.87 19.87 22.81 42.68 22.47 65.16 10.73 75.88 9.67 85.55 3.73 89.28 3.03 92.32 2.10 94.41 1.27 95.68 0.68 96.36 0.58 96.94 0.58 97.52 0.46 97.98 0.52 98.50 0.39 98.89 0.62 99.51 0.25 99.76 0.12 99.88 0.07 99.95 0.05 100.00

PERCENTAGE rp

514.05 814.94 1,417.42 1,232.39 1,913.12 1,131.02 1,238.97 1,026.95 649.50 449.69 289.31 465.12 406.12 396.56 499.10 1,141.92 1,375.81 1,864.11 1,443.47 426.16 18,695.73

514.05 1,328.99 2,746.41 3,978.80 5,891.91 7,022.93 8,261.90 9,288.86 9,938.35 10,388.05 10,677.36 11,142.48 11,548.60 11,945.16 12,444.25 13,586.18 14,961.99 16,826.10 18,269.57 18,695.73

BAND

2.75 4.36 7.58 6.59 10.23 6.05 6.63 5.49 3.47 2.41 1.55 2.49 2.17 2.12 2.67 6.11 7.36 9.97 7.72 2.28

PERCENTAGE

CUM.

BAND

2.75 7.11 14.69 21.28 31.51 37.56 44.19 49.68 53.16 55.56 57.11 59.60 61.77 63.89 66.56 72.67 80.03 90.00 97.72 100.00

6 2 10 2 7 2 6 5 0 0 1 1 0 2 1 3 2 2 0 1

6 8 18 20 27 29 35 40 40 40 41 42 42 44 45 48 50 52 52 53

11.32 11.32 3.77 15.09 18.87 33.96 3.77 37.74 13.21 50.94 3.77 54.72 11.32 66.04 9.43 75.47 0.00 75.47 0.00 75.47 1.89 77.36 1.89 79.25 0.00 79.25 3.77 83.02 1.89 84.91 5.66 90.57 3.77 94.34 3.77 98.11 0.00 98.11 1.89 100.00

CUM.

PERCENTAGE rp

93.59 6.12 906.29 312.96 447.13 619.77 614.81 2,469.65 0.00 0.00 68.64 1.79 0.00 41.75 28.99 6,306.50 36.63 1,083.52 0.00 12.19 13,050.33

BAND

CUM.

93.59 0.72 0.72 99.71 0.05 0.76 1,006.00 6.94 7.71 1,318.96 2.40 10.11 1,766.10 3.43 13.53 2,385.86 4.75 18.28 3,000.67 4.71 22.99 5,470.33 18.92 41.92 5,470.33 0.00 41.92 5,470.33 0.00 41.92 5,538.96 0.53 42.44 5,540.75 0.01 42.46 5,540.75 0.00 42.46 5,582.50 0.32 42.78 5,611.49 0.22 43.00 11,918.00 48.32 91.32 11,954.63 0.28 91.60 13,038.15 8.30 99.91 13,038.15 0.00 99.91 13,050.33 0.09 100.00

PERCENTAGE BAND

18.21 0.75 63.94 25.39 23.37 54.80 49.62 240.48 0.00 0.00 23.72 0.38 0.00 10.53 5.81 552.27 2.66 58.13 0.00 2.86

CUM

18.21 7.50 36.63 33.15 29.97 33.97 36.32 58.89 55.04 52.66 51.88 49.73 47.98 46.73 45.09 87.72 79.90 77.49 71.37 69.80

69.80

Page 22 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 04

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

RIAU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

4,470 5,122 5,957 3,058 2,542 914 625 413 228 130 101 102 84 89 64 105 109 65 39 7 24,224

4,470 9,592 15,549 18,607 21,149 22,063 22,688 23,101 23,329 23,459 23,560 23,662 23,746 23,835 23,899 24,004 24,113 24,178 24,217 24,224

BAND

CUM.

18.45 18.45 21.14 39.60 24.59 64.19 12.62 76.81 10.49 87.31 3.77 91.08 2.58 93.66 1.70 95.36 0.94 96.31 0.54 96.84 0.42 97.26 0.42 97.68 0.35 98.03 0.37 98.39 0.26 98.66 0.43 99.09 0.45 99.54 0.27 99.81 0.16 99.97 0.03 100.00

PERCENTAGE rp

1,173.61 1,331.39 3,199.00 3,095.78 3,867.13 2,025.57 1,928.11 1,511.99 1,153.09 738.50 680.38 819.31 671.74 1,133.09 536.50 1,864.42 5,039.28 2,719.26 2,730.10 135.78 36,354.03

1,173.61 2,505.00 5,704.00 8,799.78 12,666.91 14,692.48 16,620.60 18,132.59 19,285.68 20,024.18 20,704.56 21,523.86 22,195.60 23,328.69 23,865.19 25,729.61 30,768.90 33,488.15 36,218.25 36,354.03

BAND

CUM.

3.23 3.23 3.66 6.89 8.80 15.69 8.52 24.21 10.64 34.84 5.57 40.42 5.30 45.72 4.16 49.88 3.17 53.05 2.03 55.08 1.87 56.95 2.25 59.21 1.85 61.05 3.12 64.17 1.48 65.65 5.13 70.78 13.86 84.64 7.48 92.12 7.51 99.63 0.37 100.00

PERCENTAGE f

11 11 15 7 29 2 2 1 0 2 1 4 1 0 1 3 7 2 5 0

11 22 37 44 73 75 77 78 78 80 81 85 86 86 87 90 97 99 104 104

104

BAND

CUM.

10.58 10.58 10.58 21.15 14.42 35.58 6.73 42.31 27.88 70.19 1.92 72.12 1.92 74.04 0.96 75.00 0.00 75.00 1.92 76.92 0.96 77.88 3.85 81.73 0.96 82.69 0.00 82.69 0.96 83.65 2.88 86.54 6.73 93.27 1.92 95.19 4.81 100.00 0.00 100.00

PERCENTAGE rp

233.34 666.25 1,146.00 1,132.36 1,241.06 630.72 764.96 4.00 0.00 178.55 41.37 4,047.20 2,153.32 0.00 11.85 314.88 350.95 2,266.41 615.25 0.00 15,798.48

233.34 899.58 2,045.59 3,177.94 4,419.00 5,049.73 5,814.69 5,818.69 5,818.69 5,997.24 6,038.61 10,085.81 12,239.13 12,239.13 12,250.98 12,565.86 12,916.81 15,183.23 15,798.48 15,798.48

BAND

CUM.

1.48 1.48 4.22 5.69 7.25 12.95 7.17 20.12 7.86 27.97 3.99 31.96 4.84 36.81 0.03 36.83 0.00 36.83 1.13 37.96 0.26 38.22 25.62 63.84 13.63 77.47 0.00 77.47 0.08 77.55 1.99 79.54 2.22 81.76 14.35 96.11 3.89 100.00 0.00 100.00

PERCENTAGE BAND

CUM

19.88 50.04 35.82 36.58 32.09 31.14 39.67 0.26 0.00 24.18 6.08 493.98 320.56 0.00 2.21 16.89 6.96 83.35 22.54 0.00

19.88 35.91 35.86 36.11 34.89 34.37 34.98 32.09 30.17 29.95 29.17 46.86 55.14 52.46 51.33 48.84 41.98 45.34 43.62 43.46

43.46

Page 23 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 05

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

JAMBI

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

2,312 1,878 2,016 894 775 328 199 135 83 43 35 36 23 28 14 35 23 21 9 4 8,891

2,312 4,190 6,206 7,100 7,875 8,203 8,402 8,537 8,620 8,663 8,698 8,734 8,757 8,785 8,799 8,834 8,857 8,878 8,887 8,891

BAND

26.00 21.12 22.67 10.06 8.72 3.69 2.24 1.52 0.93 0.48 0.39 0.40 0.26 0.31 0.16 0.39 0.26 0.24 0.10 0.04

CUM.

26.00 47.13 69.80 79.86 88.57 92.26 94.50 96.02 96.95 97.44 97.83 98.23 98.49 98.81 98.97 99.36 99.62 99.85 99.96 100.00

PERCENTAGE rp

583.69 583.69 546.77 1,130.46 1,174.74 2,305.20 923.65 3,228.85 1,096.49 4,325.34 687.48 5,012.82 544.48 5,557.30 472.01 6,029.31 438.20 6,467.51 228.27 6,695.78 278.54 6,974.32 396.55 7,370.87 208.14 7,579.02 416.60 7,995.62 191.96 8,187.58 800.26 8,987.83 955.26 9,943.09 725.15 10,668.24 399.19 11,067.43 161.71 11,229.14 11,229.14

BAND

5.20 4.87 10.46 8.23 9.76 6.12 4.85 4.20 3.90 2.03 2.48 3.53 1.85 3.71 1.71 7.13 8.51 6.46 3.55 1.44

PERCENTAGE

CUM.

5.20 10.07 20.53 28.75 38.52 44.64 49.49 53.69 57.60 59.63 62.11 65.64 67.49 71.20 72.91 80.04 88.55 95.00 98.56 100.00

7 5 11 3 0 2 2 2 0 0 1 0 0 1 1 1 2 2 1 0

7 12 23 26 26 28 30 32 32 32 33 33 33 34 35 36 38 40 41 41

BAND

17.07 12.20 26.83 7.32 0.00 4.88 4.88 4.88 0.00 0.00 2.44 0.00 0.00 2.44 2.44 2.44 4.88 4.88 2.44 0.00

CUM.

17.07 29.27 56.10 63.41 63.41 68.29 73.17 78.05 78.05 78.05 80.49 80.49 80.49 82.93 85.37 87.80 92.68 97.56 100.00 100.00

PERCENTAGE rp

150.15 237.26 969.62 256.40 0.00 97.21 183.91 511.55 0.00 0.00 68.64 0.00 0.00 7.47 17.94 90.00 182.36 120.00 50.30 0.00 2,942.81

150.15 387.41 1,357.03 1,613.43 1,613.43 1,710.64 1,894.55 2,406.10 2,406.10 2,406.10 2,474.74 2,474.74 2,474.74 2,482.21 2,500.15 2,590.15 2,772.51 2,892.51 2,942.81 2,942.81

BAND

5.10 8.06 32.95 8.71 0.00 3.30 6.25 17.38 0.00 0.00 2.33 0.00 0.00 0.25 0.61 3.06 6.20 4.08 1.71 0.00

PERCENTAGE

CUM.

BAND

5.10 13.16 46.11 54.83 54.83 58.13 64.38 81.76 81.76 81.76 84.09 84.09 84.09 84.35 84.96 88.02 94.21 98.29 100.00 100.00

25.73 43.39 82.54 27.76 0.00 14.14 33.78 108.38 0.00 0.00 24.64 0.00 0.00 1.79 9.34 11.25 19.09 16.55 12.60 0.00

CUM

25.73 34.27 58.87 49.97 37.30 34.13 34.09 39.91 37.20 35.93 35.48 33.57 32.65 31.04 30.54 28.82 27.88 27.11 26.59 26.21

26.21

Page 24 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 06

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

SUMATERA SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

3,376 3,501 4,243 2,092 1,738 779 587 404 190 107 81 68 56 63 58 66 58 28 17 10 17,522

3,376 6,877 11,120 13,212 14,950 15,729 16,316 16,720 16,910 17,017 17,098 17,166 17,222 17,285 17,343 17,409 17,467 17,495 17,512 17,522

BAND

CUM.

19.27 19.27 19.98 39.25 24.22 63.46 11.94 75.40 9.92 85.32 4.45 89.77 3.35 93.12 2.31 95.42 1.08 96.51 0.61 97.12 0.46 97.58 0.39 97.97 0.32 98.29 0.36 98.65 0.33 98.98 0.38 99.36 0.33 99.69 0.16 99.85 0.10 99.94 0.06 100.00

PERCENTAGE rp

1,584.09 710.96 1,872.35 1,538.36 2,184.49 1,356.21 1,629.74 1,414.00 823.62 708.63 509.96 414.77 451.68 601.73 797.74 1,341.05 1,612.36 1,151.64 1,414.24 371.12 22,488.76

1,584.09 2,295.05 4,167.39 5,705.76 7,890.25 9,246.47 10,876.21 12,290.21 13,113.83 13,822.46 14,332.42 14,747.19 15,198.87 15,800.61 16,598.34 17,939.40 19,551.76 20,703.40 22,117.64 22,488.76

BAND

CUM.

7.04 7.04 3.16 10.21 8.33 18.53 6.84 25.37 9.71 35.09 6.03 41.12 7.25 48.36 6.29 54.65 3.66 58.31 3.15 61.46 2.27 63.73 1.84 65.58 2.01 67.58 2.68 70.26 3.55 73.81 5.96 79.77 7.17 86.94 5.12 92.06 6.29 98.35 1.65 100.00

PERCENTAGE f

28 22 24 20 32 15 20 7 4 1 2 0 1 2 3 4 1 9 2 0 197

28 50 74 94 126 141 161 168 172 173 175 175 176 178 181 185 186 195 197 197

BAND

CUM.

14.21 14.21 11.17 25.38 12.18 37.56 10.15 47.72 16.24 63.96 7.61 71.57 10.15 81.73 3.55 85.28 2.03 87.31 0.51 87.82 1.02 88.83 0.00 88.83 0.51 89.34 1.02 90.36 1.52 91.88 2.03 93.91 0.51 94.42 4.57 98.98 1.02 100.00 0.00 100.00

PERCENTAGE rp

2,685.21 1,851.77 3,216.52 3,958.98 10,041.66 7,065.48 12,827.47 3,740.20 6,533.34 1,777.05 2,632.09 0.00 37.56 34.95 266.37 371.64 2.61 7,383.25 275.78 0.00 64,701.92

2,685.21 4,536.98 7,753.50 11,712.48 21,754.13 28,819.61 41,647.08 45,387.28 51,920.62 53,697.66 56,329.75 56,329.75 56,367.31 56,402.27 56,668.64 57,040.28 57,042.89 64,426.14 64,701.92 64,701.92

BAND

CUM.

4.15 4.15 2.86 7.01 4.97 11.98 6.12 18.10 15.52 33.62 10.92 44.54 19.83 64.37 5.78 70.15 10.10 80.25 2.75 82.99 4.07 87.06 0.00 87.06 0.06 87.12 0.05 87.17 0.41 87.58 0.57 88.16 0.00 88.16 11.41 99.57 0.43 100.00 0.00 100.00

PERCENTAGE BAND

CUM

169.51 260.46 171.79 257.35 459.68 520.97 787.09 264.51 793.25 250.77 516.13 0.00 8.32 5.81 33.39 27.71 0.16 641.11 19.50 0.00

169.51 197.69 186.05 205.27 275.71 311.68 382.92 369.30 395.92 388.48 393.02 381.97 370.87 356.96 341.41 317.96 291.75 311.19 292.54 287.71

287.71

Page 25 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 07

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

BENGKULU

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 1,596 75 1,342 150 953 250 370 400 312 625 116 875 70 1,250 40 1,750 32 2,250 18 2,750 11 3,500 14 4,500 11 6,250 21 8,750 7 15,000 10 35,000 11 75,000 6 300,000 1 0 4,941

1,596 2,938 3,891 4,261 4,573 4,689 4,759 4,799 4,831 4,849 4,860 4,874 4,885 4,906 4,913 4,923 4,934 4,940 4,941 4,941

BAND

CUM.

32.30 32.30 27.16 59.46 19.29 78.75 7.49 86.24 6.31 92.55 2.35 94.90 1.42 96.32 0.81 97.13 0.65 97.77 0.36 98.14 0.22 98.36 0.28 98.64 0.22 98.87 0.43 99.29 0.14 99.43 0.20 99.64 0.22 99.86 0.12 99.98 0.02 100.00 0.00 100.00

PERCENTAGE rp

236.50 401.04 595.70 401.02 628.64 250.42 197.30 171.32 139.32 58.59 30.22 109.80 57.30 157.80 99.05 243.15 572.62 273.31 41.31 0.00 4,664.42

236.50 637.55 1,233.25 1,634.26 2,262.91 2,513.32 2,710.62 2,881.95 3,021.26 3,079.85 3,110.07 3,219.87 3,277.17 3,434.97 3,534.02 3,777.17 4,349.79 4,623.11 4,664.42 4,664.42

BAND

5.07 8.60 12.77 8.60 13.48 5.37 4.23 3.67 2.99 1.26 0.65 2.35 1.23 3.38 2.12 5.21 12.28 5.86 0.89 0.00

CUM.

5.07 13.67 26.44 35.04 48.51 53.88 58.11 61.79 64.77 66.03 66.68 69.03 70.26 73.64 75.77 80.98 93.25 99.11 100.00 100.00

PERCENTAGE f

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

4 7 9 10 11 11 11 11 12 12 12 12 12 12 12 12 12 12 13 13

BAND

30.77 23.08 15.38 7.69 7.69 0.00 0.00 0.00 7.69 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.69 0.00

CUM.

30.77 53.85 69.23 76.92 84.62 84.62 84.62 84.62 92.31 92.31 92.31 92.31 92.31 92.31 92.31 92.31 92.31 92.31 100.00 100.00

PERCENTAGE rp

96.00 190.00 246.00 257.06 2.20 0.00 0.00 0.00 10.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25,357.05 0.00 26,158.31

96.00 286.00 532.00 789.06 791.26 791.26 791.26 791.26 801.26 801.26 801.26 801.26 801.26 801.26 801.26 801.26 801.26 801.26 26,158.31 26,158.31

BAND

0.37 0.73 0.94 0.98 0.01 0.00 0.00 0.00 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 96.94 0.00

CUM.

0.37 1.09 2.03 3.02 3.02 3.02 3.02 3.02 3.06 3.06 3.06 3.06 3.06 3.06 3.06 3.06 3.06 3.06 100.00 100.00

PERCENTAGE BAND

40.59 47.38 41.30 64.10 0.35 0.00 0.00 0.00 7.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 61375.4 0.00

CUM

40.59 44.86 43.14 48.28 34.97 31.48 29.19 27.46 26.52 26.02 25.76 24.88 24.45 23.33 22.67 21.21 18.42 17.33 560.81 560.81

560.81

Page 26 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 08

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

LAMPUNG

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

2,603 2,858 2,704 1,322 1,353 591 478 339 213 124 65 101 69 95 86 114 85 24 21 6 13,251

2,603 5,461 8,165 9,487 10,840 11,431 11,909 12,248 12,461 12,585 12,650 12,751 12,820 12,915 13,001 13,115 13,200 13,224 13,245 13,251

BAND

19.64 21.57 20.41 9.98 10.21 4.46 3.61 2.56 1.61 0.94 0.49 0.76 0.52 0.72 0.65 0.86 0.64 0.18 0.16 0.05

CUM.

19.64 41.21 61.62 71.59 81.81 86.27 89.87 92.43 94.04 94.97 95.46 96.23 96.75 97.46 98.11 98.97 99.62 99.80 99.95 100.00

PERCENTAGE rp

492.89 518.29 1,063.25 909.90 1,525.72 1,027.31 1,087.38 1,060.15 799.87 506.69 269.66 663.23 468.75 1,032.55 1,030.05 2,615.55 8,655.28 1,403.46 154.75 67.60 25,352.34

492.89 1,011.18 2,074.43 2,984.34 4,510.06 5,537.37 6,624.75 7,684.90 8,484.77 8,991.46 9,261.12 9,924.35 10,393.10 11,425.65 12,455.70 15,071.25 23,726.53 25,129.99 25,284.73 25,352.34

BAND

1.94 2.04 4.19 3.59 6.02 4.05 4.29 4.18 3.16 2.00 1.06 2.62 1.85 4.07 4.06 10.32 34.14 5.54 0.61 0.27

CUM.

1.94 3.99 8.18 11.77 17.79 21.84 26.13 30.31 33.47 35.47 36.53 39.15 40.99 45.07 49.13 59.45 93.59 99.12 99.73 100.00

PERCENTAGE f

2 1 1 1 1 1 2 6 5 2 3 2 4 9 5 5 4 0 0 0 54

BAND

2 3 4 5 6 7 9 15 20 22 25 27 31 40 45 50 54 54 54 54

3.70 1.85 1.85 1.85 1.85 1.85 3.70 11.11 9.26 3.70 5.56 3.70 7.41 16.67 9.26 9.26 7.41 0.00 0.00 0.00

CUM.

3.70 5.56 7.41 9.26 11.11 12.96 16.67 27.78 37.04 40.74 46.30 50.00 57.41 74.07 83.33 92.59 100.00 100.00 100.00 100.00

PERCENTAGE rp

50.07 60.00 82.75 577.92 11.58 540.88 1,057.51 872.49 157.93 144.85 115.08 40.30 240.76 322.96 242.41 374.98 184.07 0.00 0.00 0.00 5,076.55

50.07 110.07 192.82 770.74 782.33 1,323.21 2,380.71 3,253.20 3,411.13 3,555.98 3,671.06 3,711.37 3,952.13 4,275.08 4,517.49 4,892.47 5,076.55 5,076.55 5,076.55 5,076.55

BAND

0.99 1.18 1.63 11.38 0.23 10.65 20.83 17.19 3.11 2.85 2.27 0.79 4.74 6.36 4.78 7.39 3.63 0.00 0.00 0.00

CUM.

0.99 2.17 3.80 15.18 15.41 26.07 46.90 64.08 67.19 70.05 72.31 73.11 77.85 84.21 88.99 96.37 100.00 100.00 100.00 100.00

PERCENTAGE BAND

10.16 11.58 7.78 63.51 0.76 52.65 97.25 82.30 19.74 28.59 42.68 6.08 51.36 31.28 23.53 14.34 2.13 0.00 0.00 0.00

CUM

10.16 10.89 9.30 25.83 17.35 23.90 35.94 42.33 40.20 39.55 39.64 37.40 38.03 37.42 36.27 32.46 21.40 20.20 20.08 20.02

20.02

Page 27 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 09

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

DKI JAKARTA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

18,916 19,689 34,560 25,653 31,892 16,281 11,687 8,444 4,655 2,480 1,934 2,137 1,394 1,569 1,039 1,605 1,249 536 689 212 186,621

18,916 38,605 73,165 98,818 130,710 146,991 158,678 167,122 171,777 174,257 176,191 178,328 179,722 181,291 182,330 183,935 185,184 185,720 186,409 186,621

BAND

10.14 10.55 18.52 13.75 17.09 8.72 6.26 4.52 2.49 1.33 1.04 1.15 0.75 0.84 0.56 0.86 0.67 0.29 0.37 0.11

CUM.

10.14 20.69 39.21 52.95 70.04 78.76 85.03 89.55 92.05 93.37 94.41 95.56 96.30 97.14 97.70 98.56 99.23 99.52 99.89 100.00

PERCENTAGE rp

10,020.00 3,857.63 10,690.21 12,441.82 24,065.61 18,214.61 19,176.74 20,075.18 15,295.65 10,080.72 8,781.75 12,717.66 9,883.28 13,289.77 17,341.02 22,820.67 24,368.77 14,831.02 30,588.59 966,120.39 1,264,661.09

10,020.00 13,877.63 24,567.85 37,009.66 61,075.27 79,289.88 98,466.62 118,541.80 133,837.45 143,918.17 152,699.92 165,417.59 175,300.87 188,590.64 205,931.65 228,752.32 253,121.09 267,952.11 298,540.70 1,264,661.09

PERCENTAGE

BAND

CUM.

0.79 0.31 0.85 0.98 1.90 1.44 1.52 1.59 1.21 0.80 0.69 1.01 0.78 1.05 1.37 1.80 1.93 1.17 2.42 76.39

0.79 1.10 1.94 2.93 4.83 6.27 7.79 9.37 10.58 11.38 12.07 13.08 13.86 14.91 16.28 18.09 20.01 21.19 23.61 100.00

126 48 134 25 75 57 33 43 31 26 20 41 19 45 28 73 300 71 198 133 1,526

BAND

126 8.26 174 3.15 308 8.78 333 1.64 408 4.91 465 3.74 498 2.16 541 2.82 572 2.03 598 1.70 618 1.31 659 2.69 678 1.25 723 2.95 751 1.83 824 4.78 1,124 19.66 1,195 4.65 1,393 12.98 1,526 8.72

CUM.

8.26 11.40 20.18 21.82 26.74 30.47 32.63 35.45 37.48 39.19 40.50 43.18 44.43 47.38 49.21 54.00 73.66 78.31 91.28 100.00

PERCENTAGE rp

5,365.12 2,191.72 8,955.42 1,870.25 7,843.18 5,514.67 1,782.51 6,885.06 31,151.06 3,526.72 2,880.82 5,735.86 1,844.43 10,441.08 3,419.81 18,099.17 18,174.60 52,467.38 26,405.84 51,462.40 266,017.11

5,365.12 7,556.84 16,512.27 18,382.52 26,225.69 31,740.37 33,522.87 40,407.93 71,558.99 75,085.71 77,966.53 83,702.39 85,546.82 95,987.90 99,407.71 117,506.88 135,681.48 188,148.87 214,554.70 266,017.11

BAND

2.02 0.82 3.37 0.70 2.95 2.07 0.67 2.59 11.71 1.33 1.08 2.16 0.69 3.92 1.29 6.80 6.83 19.72 9.93 19.35

CUM.

2.02 2.84 6.21 6.91 9.86 11.93 12.60 15.19 26.90 28.23 29.31 31.47 32.16 36.08 37.37 44.17 51.00 70.73 80.65 100.00

PERCENTAGE BAND

53.54 56.82 83.77 15.03 32.59 30.28 9.30 34.30 203.66 34.98 32.80 45.10 18.66 78.56 19.72 79.31 74.58 353.77 86.33 5.33

CUM

53.54 54.45 67.21 49.67 42.94 40.03 34.04 34.09 53.47 52.17 51.06 50.60 48.80 50.90 48.27 51.37 53.60 70.22 71.87 21.03

21.03

Page 28 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 10

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

JAWA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

25,742 25,084 23,937 11,676 11,080 5,267 3,741 2,813 1,622 1,019 787 947 713 984 685 1,235 1,073 540 577 131 119,653

25,742 50,826 74,763 86,439 97,519 102,786 106,527 109,340 110,962 111,981 112,768 113,715 114,428 115,412 116,097 117,332 118,405 118,945 119,522 119,653

BAND

CUM.

21.51 21.51 20.96 42.48 20.01 62.48 9.76 72.24 9.26 81.50 4.40 85.90 3.13 89.03 2.35 91.38 1.36 92.74 0.85 93.59 0.66 94.25 0.79 95.04 0.60 95.63 0.82 96.46 0.57 97.03 1.03 98.06 0.90 98.96 0.45 99.41 0.48 99.89 0.11 100.00

PERCENTAGE rp

11,050.36 5,232.93 9,480.67 7,829.89 11,204.68 8,004.06 8,100.56 8,099.46 6,015.07 4,787.85 4,083.35 5,620.08 5,036.93 8,510.67 7,306.11 17,466.80 23,977.48 14,929.84 27,042.03 13,764.27 207,543.11

11,050.36 16,283.29 25,763.96 33,593.85 44,798.53 52,802.59 60,903.16 69,002.62 75,017.69 79,805.54 83,888.89 89,508.97 94,545.90 103,056.56 110,362.67 127,829.48 151,806.96 166,736.80 193,778.84 207,543.11

BAND

5.32 2.52 4.57 3.77 5.40 3.86 3.90 3.90 2.90 2.31 1.97 2.71 2.43 4.10 3.52 8.42 11.55 7.19 13.03 6.63

CUM.

5.32 7.85 12.41 16.19 21.59 25.44 29.34 33.25 36.15 38.45 40.42 43.13 45.55 49.66 53.18 61.59 73.14 80.34 93.37 100.00

PERCENTAGE f

76 38 80 10 34 19 5 19 20 9 12 23 12 45 28 82 62 80 93 22 769

76 114 194 204 238 257 262 281 301 310 322 345 357 402 430 512 574 654 747 769

BAND

CUM.

9.88 9.88 4.94 14.82 10.40 25.23 1.30 26.53 4.42 30.95 2.47 33.42 0.65 34.07 2.47 36.54 2.60 39.14 1.17 40.31 1.56 41.87 2.99 44.86 1.56 46.42 5.85 52.28 3.64 55.92 10.66 66.58 8.06 74.64 10.40 85.05 12.09 97.14 2.86 100.00

PERCENTAGE rp

9,023.12 896.46 898.91 1,313.96 4,508.67 432.81 1,014.94 1,592.82 2,309.16 4,126.02 2,649.64 8,859.16 3,907.89 9,574.82 2,173.82 7,526.46 43,901.94 20,593.80 19,384.33 1,724.37 146,413.11

9,023.12 9,919.59 10,818.49 12,132.45 16,641.13 17,073.94 18,088.88 19,681.69 21,990.85 26,116.88 28,766.52 37,625.68 41,533.57 51,108.38 53,282.21 60,808.67 104,710.61 125,304.40 144,688.73 146,413.11

BAND

CUM.

6.16 6.16 0.61 6.78 0.61 7.39 0.90 8.29 3.08 11.37 0.30 11.66 0.69 12.35 1.09 13.44 1.58 15.02 2.82 17.84 1.81 19.65 6.05 25.70 2.67 28.37 6.54 34.91 1.48 36.39 5.14 41.53 29.98 71.52 14.07 85.58 13.24 98.82 1.18 100.00

PERCENTAGE BAND

81.65 17.13 9.48 16.78 40.24 5.41 12.53 19.67 38.39 86.18 64.89 157.63 77.58 112.50 29.75 43.09 183.10 137.94 71.68 12.53

CUM.

81.65 60.92 41.99 36.12 37.15 32.34 29.70 28.52 29.31 32.73 34.29 42.04 43.93 49.59 48.28 47.57 68.98 75.15 74.67 70.55

70.55

Page 29 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 11

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

JAWA TENGAH

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

20,349 14,023 10,820 5,078 5,263 2,774 1,936 1,599 942 553 437 457 294 403 259 429 316 154 144 30 66,260

BAND

CUM.

20,349 30.71 30.71 34,372 21.16 51.87 45,192 16.33 68.20 50,270 7.66 75.87 55,533 7.94 83.81 58,307 4.19 88.00 60,243 2.92 90.92 61,842 2.41 93.33 62,784 1.42 94.75 63,337 0.83 95.59 63,774 0.66 96.25 64,231 0.69 96.94 64,525 0.44 97.38 64,928 0.61 97.99 65,187 0.39 98.38 65,616 0.65 99.03 65,932 0.48 99.50 66,086 0.23 99.74 66,230 0.22 99.95 66,260 0.05 100.00

PERCENTAGE rp

4,558.04 3,118.84 4,636.60 3,611.09 5,738.70 4,466.43 4,416.28 4,889.52 3,775.84 2,661.14 2,292.76 3,056.59 2,597.61 4,606.56 3,172.85 7,700.98 7,959.17 5,905.43 4,686.40 480.93 84,331.74

4,558.04 7,676.88 12,313.47 15,924.56 21,663.26 26,129.70 30,545.97 35,435.50 39,211.34 41,872.47 44,165.24 47,221.82 49,819.43 54,426.00 57,598.84 65,299.82 73,258.99 79,164.42 83,850.81 84,331.74

BAND

CUM.

5.40 5.40 3.70 9.10 5.50 14.60 4.28 18.88 6.80 25.69 5.30 30.98 5.24 36.22 5.80 42.02 4.48 46.50 3.16 49.65 2.72 52.37 3.62 56.00 3.08 59.08 5.46 64.54 3.76 68.30 9.13 77.43 9.44 86.87 7.00 93.87 5.56 99.43 0.57 100.00

PERCENTAGE f

45 11 11 10 9 13 13 17 21 6 13 17 24 15 13 29 48 38 84 2 439

45 56 67 77 86 99 112 129 150 156 169 186 210 225 238 267 315 353 437 439

BAND

CUM.

10.2 10.25 2.51 12.76 2.51 15.26 2.28 17.54 2.05 19.59 2.96 22.55 2.96 25.51 3.87 29.38 4.78 34.17 1.37 35.54 2.96 38.50 3.87 42.37 5.47 47.84 3.42 51.25 2.96 54.21 6.61 60.82 10.9 71.75 8.66 80.41 19.1 99.54 0.46 100.00

PERCENTAGE rp

10,395.02 377.72 382.17 1,054.39 511.55 1,485.42 1,156.94 1,459.39 231.81 982.41 2,544.43 121.01 36.34 184.70 486.05 1,757.04 6,186.61 1,547.48 10,523.47 905.18 42,329.12

BAND

10,395.02 24.56 10,772.74 0.89 11,154.91 0.90 12,209.30 2.49 12,720.84 1.21 14,206.27 3.51 15,363.21 2.73 16,822.60 3.45 17,054.41 0.55 18,036.82 2.32 20,581.26 6.01 20,702.26 0.29 20,738.60 0.09 20,923.30 0.44 21,409.35 1.15 23,166.39 4.15 29,353.00 14.62 30,900.48 3.66 41,423.95 24.86 42,329.12 2.14

PERCENTAGE

CUM.

BAND

24.56 25.45 26.35 28.84 30.05 33.56 36.29 39.74 40.29 42.61 48.62 48.91 48.99 49.43 50.58 54.73 69.34 73.00 97.86 100.00

228.06 12.11 8.24 29.20 8.91 33.26 26.20 29.85 6.14 36.92 110.98 3.96 1.40 4.01 15.32 22.82 77.73 26.20 224.55 188.22

CUM

228.06 140.33 90.59 76.67 58.72 54.37 50.30 47.47 43.49 43.08 46.60 43.84 41.63 38.44 37.17 35.48 40.07 39.03 49.40 50.19

50.19

Page 30 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 12

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

DI YOGYAKARTA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

2,110 1,784 1,505 727 775 427 255 204 128 81 71 57 47 52 28 48 37 13 11 6 8,366

2,110 3,894 5,399 6,126 6,901 7,328 7,583 7,787 7,915 7,996 8,067 8,124 8,171 8,223 8,251 8,299 8,336 8,349 8,360 8,366

BAND

CUM.

25.22 25.22 21.32 46.55 17.99 64.54 8.69 73.22 9.26 82.49 5.10 87.59 3.05 90.64 2.44 93.08 1.53 94.61 0.97 95.58 0.85 96.43 0.68 97.11 0.56 97.67 0.62 98.29 0.33 98.63 0.57 99.20 0.44 99.64 0.16 99.80 0.13 99.93 0.07 100.00

PERCENTAGE rp

404.95 327.43 538.63 434.53 760.71 610.47 468.74 474.30 458.22 415.71 348.32 336.08 326.24 664.78 239.54 617.04 617.68 379.45 350.12 129.78 8,902.71

404.95 732.37 1,271.01 1,705.53 2,466.24 3,076.71 3,545.46 4,019.75 4,477.97 4,893.68 5,242.01 5,578.08 5,904.33 6,569.11 6,808.65 7,425.68 8,043.36 8,422.80 8,772.92 8,902.71

BAND

4.55 3.68 6.05 4.88 8.54 6.86 5.27 5.33 5.15 4.67 3.91 3.78 3.66 7.47 2.69 6.93 6.94 4.26 3.93 1.46

CUM.

4.55 8.23 14.28 19.16 27.70 34.56 39.82 45.15 50.30 54.97 58.88 62.66 66.32 73.79 76.48 83.41 90.35 94.61 98.54 100.00

PERCENTAGE f

3 4 1 5 3 2 5 2 0 2 4 2 6 6 1 6 11 5 33 2 103

BAND

3 2.91 7 3.88 8 0.97 13 4.85 16 2.91 18 1.94 23 4.85 25 1.94 25 0.00 27 1.94 31 3.88 33 1.94 39 5.83 45 5.83 46 0.97 52 5.83 63 10.68 68 4.85 101 32.04 103 1.94

CUM.

2.91 6.80 7.77 12.62 15.53 17.48 22.33 24.27 24.27 26.21 30.10 32.04 37.86 43.69 44.66 50.49 61.17 66.02 98.06 100.00

PERCENTAGE rp

26.62 23.33 233.53 36.21 689.79 19.54 64.85 3,357.66 0.00 34.68 157.81 8,637.81 1,568.33 6,323.55 66.91 11,915.79 27,390.18 2,510.05 44,525.74 203,179.97 310,762.35

26.62 49.96 283.48 319.69 1,009.49 1,029.02 1,093.87 4,451.52 4,451.52 4,486.20 4,644.01 13,281.82 14,850.15 21,173.71 21,240.62 33,156.41 60,546.60 63,056.65 107,582.38 310,762.35

BAND

0.01 0.01 0.08 0.01 0.22 0.01 0.02 1.08 0.00 0.01 0.05 2.78 0.50 2.03 0.02 3.83 8.81 0.81 14.33 65.38

CUM.

0.01 0.02 0.09 0.10 0.32 0.33 0.35 1.43 1.43 1.44 1.49 4.27 4.78 6.81 6.84 10.67 19.48 20.29 34.62 100.00

PERCENTAGE BAND

CUM

6.57 7.13 43.36 8.33 90.68 3.20 13.83 707.92 0.00 8.34 45.31 2570.18 480.72 951.23 27.93 1931.13 4434.40 661.51 12717.23 156557.23

6.57 6.82 22.30 18.74 40.93 33.45 30.85 110.74 99.41 91.67 88.59 238.11 251.51 322.32 311.97 446.51 752.75 748.64 1226.30 3490.65

3490.65

Page 31 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 13

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

JAWA TIMUR

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

18,385 16,080 15,650 8,527 9,087 5,048 3,647 3,025 1,782 1,029 765 930 652 828 516 789 631 247 262 141 88,021

18,385 34,465 50,115 58,642 67,729 72,777 76,424 79,449 81,231 82,260 83,025 83,955 84,607 85,435 85,951 86,740 87,371 87,618 87,880 88,021

BAND

20.89 18.27 17.78 9.69 10.32 5.73 4.14 3.44 2.02 1.17 0.87 1.06 0.74 0.94 0.59 0.90 0.72 0.28 0.30 0.16

CUM.

20.89 39.16 56.94 66.62 76.95 82.68 86.82 90.26 92.29 93.45 94.32 95.38 96.12 97.06 97.65 98.54 99.26 99.54 99.84 100.00

PERCENTAGE rp

5,435.20 3,424.88 6,120.06 5,678.00 9,038.66 7,184.16 7,179.04 8,477.28 6,373.65 4,759.89 4,167.72 5,916.98 5,263.83 8,850.92 6,890.58 14,596.71 16,847.14 12,401.58 6,041.97 4,938.65 149,586.91

5,435.20 8,860.09 14,980.15 20,658.15 29,696.81 36,880.97 44,060.00 52,537.28 58,910.93 63,670.82 67,838.54 73,755.53 79,019.36 87,870.28 94,760.86 109,357.57 126,204.71 138,606.29 144,648.26 149,586.91

BAND

3.63 2.29 4.09 3.80 6.04 4.80 4.80 5.67 4.26 3.18 2.79 3.96 3.52 5.92 4.61 9.76 11.26 8.29 4.04 3.30

CUM.

3.63 5.92 10.01 13.81 19.85 24.66 29.45 35.12 39.38 42.56 45.35 49.31 52.83 58.74 63.35 73.11 84.37 92.66 96.70 100.00

PERCENTAGE f

27 12 7 11 10 18 17 14 14 12 5 21 13 15 13 39 41 36 30 16 371

27 39 46 57 67 85 102 116 130 142 147 168 181 196 209 248 289 325 355 371

BAND

7.28 3.23 1.89 2.96 2.70 4.85 4.58 3.77 3.77 3.23 1.35 5.66 3.50 4.04 3.50 10.51 11.05 9.70 8.09 4.31

CUM.

7.28 10.51 12.40 15.36 18.06 22.91 27.49 31.27 35.04 38.27 39.62 45.28 48.79 52.83 56.33 66.85 77.90 87.60 95.69 100.00

PERCENTAGE rp

1,694.25 255.95 42.05 125.65 1,219.16 1,773.37 3,368.56 1,566.32 4,050.35 1,063.38 224.38 11,026.79 5,306.32 837.84 5,380.26 3,555.47 2,168.68 10,479.88 6,194.43 31,029.99 91,363.08

1,694.25 1,950.20 1,992.25 2,117.90 3,337.06 5,110.43 8,478.98 10,045.31 14,095.65 15,159.04 15,383.42 26,410.21 31,716.54 32,554.37 37,934.64 41,490.11 43,658.79 54,138.67 60,333.10 91,363.08

BAND

CUM.

1.85 1.85 0.28 2.13 0.05 2.18 0.14 2.32 1.33 3.65 1.94 5.59 3.69 9.28 1.71 10.99 4.43 15.43 1.16 16.59 0.25 16.84 12.07 28.91 5.81 34.71 0.92 35.63 5.89 41.52 3.89 45.41 2.37 47.79 11.47 59.26 6.78 66.04 33.96 100.00

PERCENTAGE BAND

CUM

31.17 7.47 0.69 2.21 13.49 24.68 46.92 18.48 63.55 22.34 5.38 186.36 100.81 9.47 78.08 24.36 12.87 84.50 102.52 628.31

31.17 22.01 13.30 10.25 11.24 13.86 19.24 19.12 23.93 23.81 22.68 35.81 40.14 37.05 40.03 37.94 34.59 39.06 41.71 61.08

61.08

Page 32 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 14

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

KALIMANTAN BARAT

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

6,855 7,573 5,295 1,726 1,329 411 310 165 95 36 37 37 30 24 25 42 46 15 20 4 24,075

6,855 14,428 19,723 21,449 22,778 23,189 23,499 23,664 23,759 23,795 23,832 23,869 23,899 23,923 23,948 23,990 24,036 24,051 24,071 24,075

BAND

CUM.

28.47 28.47 31.46 59.93 21.99 81.92 7.17 89.09 5.52 94.61 1.71 96.32 1.29 97.61 0.69 98.29 0.39 98.69 0.15 98.84 0.15 98.99 0.15 99.14 0.12 99.27 0.10 99.37 0.10 99.47 0.17 99.65 0.19 99.84 0.06 99.90 0.08 99.98 0.02 100.00

PERCENTAGE rp

3,977.02 3,949.94 5,354.01 3,063.33 3,495.61 1,528.68 1,400.83 780.45 746.79 335.23 329.09 347.92 348.87 324.75 342.36 529.11 1,185.58 579.95 197.93 531.90 29,349.35

3,977.02 7,926.96 13,280.97 16,344.31 19,839.92 21,368.60 22,769.43 23,549.88 24,296.67 24,631.89 24,960.98 25,308.90 25,657.77 25,982.52 26,324.88 26,853.98 28,039.57 28,619.51 28,817.44 29,349.35

BAND

13.5 13.4 18.2 10.4 11.9 5.21 4.77 2.66 2.54 1.14 1.12 1.19 1.19 1.11 1.17 1.80 4.04 1.98 0.67 1.81

PERCENTAGE

CUM.

13.55 27.01 45.25 55.69 67.60 72.81 77.58 80.24 82.78 83.93 85.05 86.23 87.42 88.53 89.69 91.50 95.54 97.51 98.19 100.00

29 51 27 2 7 1 0 1 0 1 0 0 0 0 3 5 0 0 3 0

29 22.31 80 39.23 107 20.77 109 1.54 116 5.38 117 0.77 117 0.00 118 0.77 118 0.00 119 0.77 119 0.00 119 0.00 119 0.00 119 0.00 122 2.31 127 3.85 127 0.00 127 0.00 130 2.31 130 0.00

130

BAND

CUM.

22.31 61.54 82.31 83.85 89.23 90.00 90.00 90.77 90.77 91.54 91.54 91.54 91.54 91.54 93.85 97.69 97.69 97.69 100.0 100.0

PERCENTAGE rp

1,064.55 3,284.14 2,654.36 132.86 2,014.98 13.00 0.00 440.21 0.00 3.25 0.00 0.00 0.00 0.00 587.87 507.04 0.00 0.00 16,511.62 0.00 27,213.88

1,064.55 4,348.69 7,003.05 7,135.91 9,150.89 9,163.89 9,163.89 9,604.09 9,604.09 9,607.34 9,607.34 9,607.34 9,607.34 9,607.34 10,195.22 10,702.26 10,702.26 10,702.26 27,213.88 27,213.88

BAND

CUM.

PERCENTAGE BAND

3.91 3.91 26.77 12.07 15.98 83.14 9.75 25.73 49.58 0.49 26.22 4.34 7.40 33.63 57.64 0.05 33.67 0.85 0.00 33.67 0.00 1.62 35.29 56.40 0.00 35.29 0.00 0.01 35.30 0.97 0.00 35.30 0.00 0.00 35.30 0.00 0.00 35.30 0.00 0.00 35.30 0.00 2.16 37.46 171.71 1.86 39.33 95.83 0.00 39.33 0.00 0.00 39.33 0.00 60.67 100.00 8342.09 0.00 100.00 0.00

CUM

26.77 54.86 52.73 43.66 46.12 42.88 40.25 40.78 39.53 39.00 38.49 37.96 37.44 36.98 38.73 39.85 38.17 37.39 94.44 92.72

92.72

Page 33 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 15

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

KALIMANTAN TENGAH

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,399 1,123 881 406 394 180 111 64 43 20 18 19 7 20 6 30 16 7 2 0 4,746

1,399 2,522 3,403 3,809 4,203 4,383 4,494 4,558 4,601 4,621 4,639 4,658 4,665 4,685 4,691 4,721 4,737 4,744 4,746 4,746

BAND

CUM.

29.48 29.48 23.66 53.14 18.56 71.70 8.55 80.26 8.30 88.56 3.79 92.35 2.34 94.69 1.35 96.04 0.91 96.94 0.42 97.37 0.38 97.75 0.40 98.15 0.15 98.29 0.42 98.71 0.13 98.84 0.63 99.47 0.34 99.81 0.15 99.96 0.04 100.00 0.00 100.00

PERCENTAGE rp

385.19 448.77 736.50 525.15 808.49 490.09 350.55 293.09 266.67 68.50 75.14 111.20 95.93 474.07 50.80 1,297.89 1,083.52 272.75 81.96 0.00 7,916.29

385.19 833.96 1,570.46 2,095.62 2,904.11 3,394.20 3,744.75 4,037.84 4,304.52 4,373.02 4,448.16 4,559.36 4,655.29 5,129.36 5,180.17 6,478.06 7,561.58 7,834.33 7,916.29 7,916.29

BAND

4.87 5.67 9.30 6.63 10.21 6.19 4.43 3.70 3.37 0.87 0.95 1.40 1.21 5.99 0.64 16.40 13.69 3.45 1.04 0.00

CUM.

4.87 10.53 19.84 26.47 36.69 42.88 47.30 51.01 54.38 55.24 56.19 57.59 58.81 64.79 65.44 81.83 95.52 98.96 100.00 100.00

PERCENTAGE f

9 8 6 2 2 1 1 0 0 0 0 1 0 1 0 4 0 0 0 0 35

9 17 23 25 27 28 29 29 29 29 29 30 30 31 31 35 35 35 35 35

BAND

25.71 22.86 17.14 5.71 5.71 2.86 2.86 0.00 0.00 0.00 0.00 2.86 0.00 2.86 0.00 11.43 0.00 0.00 0.00 0.00

CUM.

25.71 48.57 65.71 71.43 77.14 80.00 82.86 82.86 82.86 82.86 82.86 85.71 85.71 88.57 88.57 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

203.61 477.73 1,071.47 838.62 355.71 532.59 303.01 0.00 0.00 0.00 0.00 35.55 0.00 3,105.64 0.00 1,216.28 0.00 0.00 0.00 0.00 8,140.22

203.61 681.34 1,752.81 2,591.43 2,947.14 3,479.74 3,782.75 3,782.75 3,782.75 3,782.75 3,782.75 3,818.30 3,818.30 6,923.94 6,923.94 8,140.22 8,140.22 8,140.22 8,140.22 8,140.22

BAND

2.50 5.87 13.16 10.30 4.37 6.54 3.72 0.00 0.00 0.00 0.00 0.44 0.00 38.15 0.00 14.94 0.00 0.00 0.00 0.00

CUM.

2.50 8.37 21.53 31.83 36.20 42.75 46.47 46.47 46.47 46.47 46.47 46.91 46.91 85.06 85.06 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

CUM

52.86 106.45 145.48 159.69 44.00 108.67 86.44 0.00 0.00 0.00 0.00 31.97 0.00 655.10 0.00 93.71 0.00 0.00 0.00 0.00

52.86 81.70 111.61 123.66 101.48 102.52 101.01 93.68 87.88 86.50 85.04 83.75 82.02 134.99 133.66 125.66 107.65 103.90 102.83 102.83

102.83

Page 34 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 16

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

KALIMANTAN SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

3,313 2,545 1,941 866 912 491 328 222 109 73 57 40 34 46 21 51 31 26 25 10 11,141

3,313 5,858 7,799 8,665 9,577 10,068 10,396 10,618 10,727 10,800 10,857 10,897 10,931 10,977 10,998 11,049 11,080 11,106 11,131 11,141

BAND

CUM.

29.74 29.74 22.84 52.58 17.42 70.00 7.77 77.78 8.19 85.96 4.41 90.37 2.94 93.31 1.99 95.31 0.98 96.28 0.66 96.94 0.51 97.45 0.36 97.81 0.31 98.12 0.41 98.53 0.19 98.72 0.46 99.17 0.28 99.45 0.23 99.69 0.22 99.91 0.09 100.00

PERCENTAGE rp

809.72 616.33 809.35 688.35 1,289.11 1,071.72 943.95 798.43 510.10 383.86 339.91 315.02 396.76 669.45 245.64 1,246.76 1,172.18 1,238.21 991.43 127.04 14,663.31

809.72 1,426.05 2,235.40 2,923.75 4,212.85 5,284.58 6,228.53 7,026.96 7,537.05 7,920.91 8,260.82 8,575.85 8,972.61 9,642.06 9,887.70 11,134.46 12,306.64 13,544.85 14,536.28 14,663.31

BAND

5.52 4.20 5.52 4.69 8.79 7.31 6.44 5.45 3.48 2.62 2.32 2.15 2.71 4.57 1.68 8.50 7.99 8.44 6.76 0.87

PERCENTAGE

CUM.

5.52 9.73 15.24 19.94 28.73 36.04 42.48 47.92 51.40 54.02 56.34 58.49 61.19 65.76 67.43 75.93 83.93 92.37 99.13 100.00

13 11 4 6 7 2 3 0 1 0 1 0 0 0 0 0 3 0 9 0 60

13 24 28 34 41 43 46 46 47 47 48 48 48 48 48 48 51 51 60 60

BAND

CUM.

21.67 21.67 18.33 40.00 6.67 46.67 10.00 56.67 11.67 68.33 3.33 71.67 5.00 76.67 0.00 76.67 1.67 78.33 0.00 78.33 1.67 80.00 0.00 80.00 0.00 80.00 0.00 80.00 0.00 80.00 0.00 80.00 5.00 85.00 0.00 85.00 15.00 100.00 0.00 100.00

PERCENTAGE rp

863.62 415.31 255.66 636.88 819.90 534.60 92.20 0.00 1,355.18 0.00 1,904.12 0.00 0.00 0.00 0.00 0.00 218.41 0.00 3,205.88 0.00 10,301.75

863.62 1,278.93 1,534.58 2,171.46 2,991.36 3,525.96 3,618.16 3,618.16 4,973.34 4,973.34 6,877.46 6,877.46 6,877.46 6,877.46 6,877.46 6,877.46 7,095.87 7,095.87 10,301.75 10,301.75

BAND

CUM.

8.38 8.38 4.03 12.41 2.48 14.90 6.18 21.08 7.96 29.04 5.19 34.23 0.90 35.12 0.00 35.12 13.15 48.28 0.00 48.28 18.48 66.76 0.00 66.76 0.00 66.76 0.00 66.76 0.00 66.76 0.00 66.76 2.12 68.88 0.00 68.88 31.12 100.00 0.00 100.00

PERCENTAGE BAND

CUM

106.66 67.38 31.59 92.52 63.60 49.88 9.77 0.00 265.67 0.00 560.18 0.00 0.00 0.00 0.00 0.00 18.63 0.00 323.36 0.00

106.66 89.68 68.65 74.27 71.01 66.72 58.09 51.49 65.99 62.79 83.25 80.20 76.65 71.33 69.56 61.77 57.66 52.39 70.87 70.26

70.26

Page 35 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 17

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

KALIMANTAN TIMUR

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

2,910 3,772 4,204 2,253 2,445 1,065 810 535 271 134 107 131 70 94 59 74 80 46 88 21 19,169

2,910 6,682 10,886 13,139 15,584 16,649 17,459 17,994 18,265 18,399 18,506 18,637 18,707 18,801 18,860 18,934 19,014 19,060 19,148 19,169

BAND

CUM.

15.18 15.18 19.68 34.86 21.93 56.79 11.75 68.54 12.75 81.30 5.56 86.85 4.23 91.08 2.79 93.87 1.41 95.28 0.70 95.98 0.56 96.54 0.68 97.22 0.37 97.59 0.49 98.08 0.31 98.39 0.39 98.77 0.42 99.19 0.24 99.43 0.46 99.89 0.11 100.00

PERCENTAGE rp

2,039.99 1,040.66 2,154.52 2,030.70 3,689.70 2,776.14 2,738.75 2,386.61 1,484.37 769.15 722.94 846.14 609.25 881.26 1,194.24 1,628.98 2,742.63 1,242.02 11,439.89 14,573.05 56,990.99

2,039.99 3,080.65 5,235.18 7,265.87 10,955.57 13,731.71 16,470.46 18,857.07 20,341.45 21,110.59 21,833.53 22,679.67 23,288.92 24,170.18 25,364.42 26,993.40 29,736.03 30,978.05 42,417.94 56,990.99

BAND

3.58 1.83 3.78 3.56 6.47 4.87 4.81 4.19 2.60 1.35 1.27 1.48 1.07 1.55 2.10 2.86 4.81 2.18 20.07 25.57

PERCENTAGE

CUM.

3.58 5.41 9.19 12.75 19.22 24.09 28.90 33.09 35.69 37.04 38.31 39.80 40.86 42.41 44.51 47.36 52.18 54.36 74.43 100.00

7 3 2 2 7 1 0 1 1 0 0 1 0 1 2 2 4 4 20 0 58

BAND

CUM.

7 12.07 12.07 10 5.17 17.24 12 3.45 20.69 14 3.45 24.14 21 12.07 36.21 22 1.72 37.93 22 0.00 37.93 23 1.72 39.66 24 1.72 41.38 24 0.00 41.38 24 0.00 41.38 25 1.72 43.10 25 0.00 43.10 26 1.72 44.83 28 3.45 48.28 30 3.45 51.72 34 6.90 58.62 38 6.90 65.52 58 34.48 100.00 58 0.00 100.00

PERCENTAGE rp

242.79 242.79 203.21 445.99 84.57 530.56 404.04 934.60 566.95 1,501.55 32.88 1,534.43 0.00 1,534.43 78.98 1,613.41 1.55 1,614.96 0.00 1,614.96 0.00 1,614.96 908.40 2,523.36 0.00 2,523.36 31.24 2,554.60 21.91 2,576.51 114.64 2,691.16 2,906.34 5,597.50 2,936.94 8,534.44 33,437.55 41,971.99 0.00 41,971.99 41,971.99

BAND

0.58 0.48 0.20 0.96 1.35 0.08 0.00 0.19 0.00 0.00 0.00 2.16 0.00 0.07 0.05 0.27 6.92 7.00 79.67 0.00

PERCENTAGE

CUM.

BAND

0.58 1.06 1.26 2.23 3.58 3.66 3.66 3.84 3.85 3.85 3.85 6.01 6.01 6.09 6.14 6.41 13.34 20.33 100.0 100.0

11.90 19.53 3.93 19.90 15.37 1.18 0.00 3.31 0.10 0.00 0.00 107.36 0.00 3.55 1.83 7.04 105.97 236.47 292.29 0.00

CUM

11.90 14.48 10.13 12.86 13.71 11.17 9.32 8.56 7.94 7.65 7.40 11.13 10.84 10.57 10.16 9.97 18.82 27.55 98.95 73.65

73.65

Page 36 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 18

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

SULAWESI UTARA

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,628 1,729 1,927 956 918 576 385 329 183 91 66 59 60 55 19 49 19 8 6 4 9,067

1,628 3,357 5,284 6,240 7,158 7,734 8,119 8,448 8,631 8,722 8,788 8,847 8,907 8,962 8,981 9,030 9,049 9,057 9,063 9,067

BAND

CUM.

17.96 17.96 19.07 37.02 21.25 58.28 10.54 68.82 10.12 78.95 6.35 85.30 4.25 89.54 3.63 93.17 2.02 95.19 1.00 96.19 0.73 96.92 0.65 97.57 0.66 98.24 0.61 98.84 0.21 99.05 0.54 99.59 0.21 99.80 0.09 99.89 0.07 99.96 0.04 100.00

PERCENTAGE rp

415.07 436.04 835.92 820.83 1,261.42 1,156.96 1,194.92 1,269.87 877.38 529.87 383.41 500.58 590.96 653.57 221.15 872.22 351.35 251.37 65.68 102.93 12,791.51

415.07 851.12 1,687.04 2,507.87 3,769.29 4,926.25 6,121.17 7,391.04 8,268.42 8,798.29 9,181.70 9,682.28 10,273.24 10,926.82 11,147.96 12,020.19 12,371.53 12,622.90 12,688.58 12,791.51

BAND

3.24 3.41 6.53 6.42 9.86 9.04 9.34 9.93 6.86 4.14 3.00 3.91 4.62 5.11 1.73 6.82 2.75 1.97 0.51 0.80

CUM.

3.24 6.65 13.19 19.61 29.47 38.51 47.85 57.78 64.64 68.78 71.78 75.69 80.31 85.42 87.15 93.97 96.72 98.68 99.20 100.00

PERCENTAGE f

0 1 1 1 0 0 2 1 0 1 0 1 0 1 0 0 0 0 1 0 10

BAND

CUM.

0 1 2 3 3 3 5 6 6 7 7 8 8 9 9 9 9 9 10 10

0.00 0.00 10.00 10.00 10.00 20.00 10.00 30.00 0.00 30.00 0.00 30.00 20.00 50.00 10.00 60.00 0.00 60.00 10.00 70.00 0.00 70.00 10.00 80.00 0.00 80.00 10.00 90.00 0.00 90.00 0.00 90.00 0.00 90.00 0.00 90.00 10.00 100.00 0.00 100.00

PERCENTAGE rp

0.00 4.56 132.80 231.68 0.00 0.00 61.64 166.67 0.00 21.11 0.00 227.33 0.00 175.00 0.00 0.00 0.00 0.00 1,589.70 0.00 2,610.49

0.00 4.56 137.36 369.03 369.03 369.03 430.68 597.35 597.35 618.45 618.45 845.79 845.79 1,020.79 1,020.79 1,020.79 1,020.79 1,020.79 2,610.49 2,610.49

BAND

CUM.

PERCENTAGE BAND

0.00 0.00 0.00 0.17 0.17 1.05 5.09 5.26 15.89 8.87 14.14 28.22 0.00 14.14 0.00 0.00 14.14 0.00 2.36 16.50 5.16 6.38 22.88 13.13 0.00 22.88 0.00 0.81 23.69 3.98 0.00 23.69 0.00 8.71 32.40 45.41 0.00 32.40 0.00 6.70 39.10 26.78 0.00 39.10 0.00 0.00 39.10 0.00 0.00 39.10 0.00 0.00 39.10 0.00 60.90 100.00 2420.43 0.00 100.00 0.00

CUM

0.00 0.54 8.14 14.72 9.79 7.49 7.04 8.08 7.22 7.03 6.74 8.74 8.23 9.34 9.16 8.49 8.25 8.09 20.57 20.41

20.41

Page 37 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 19

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

SULAWESI TENGAH

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

937 1,116 989 449 576 331 217 159 93 51 28 42 24 35 6 18 16 1 4 0 5,092

937 2,053 3,042 3,491 4,067 4,398 4,615 4,774 4,867 4,918 4,946 4,988 5,012 5,047 5,053 5,071 5,087 5,088 5,092 5,092

BAND

CUM.

18.40 18.40 21.92 40.32 19.42 59.74 8.82 68.56 11.31 79.87 6.50 86.37 4.26 90.63 3.12 93.75 1.83 95.58 1.00 96.58 0.55 97.13 0.82 97.96 0.47 98.43 0.69 99.12 0.12 99.23 0.35 99.59 0.31 99.90 0.02 99.92 0.08 100.00 0.00 100.00

PERCENTAGE rp

176.36 303.91 585.26 485.13 1,001.41 786.70 715.76 618.96 445.73 336.15 179.96 234.36 213.15 514.30 186.12 291.69 199.89 4.72 74.03 0.00 7,353.58

176.36 480.27 1,065.53 1,550.65 2,552.06 3,338.76 4,054.52 4,673.48 5,119.20 5,455.36 5,635.32 5,869.68 6,082.83 6,597.13 6,783.25 7,074.93 7,274.82 7,279.54 7,353.58 7,353.58

BAND

CUM.

2.40 2.40 4.13 6.53 7.96 14.49 6.60 21.09 13.62 34.71 10.70 45.40 9.73 55.14 8.42 63.55 6.06 69.62 4.57 74.19 2.45 76.63 3.19 79.82 2.90 82.72 6.99 89.71 2.53 92.24 3.97 96.21 2.72 98.93 0.06 98.99 1.01 100.00 0.00 100.00

PERCENTAGE f

0 2 1 2 1 1 1 0 1 0 0 0 0 1 0 0 1 0 0 0 11

0 2 3 5 6 7 8 8 9 9 9 9 9 10 10 10 11 11 11 11

BAND

0.00 18.18 9.09 18.18 9.09 9.09 9.09 0.00 9.09 0.00 0.00 0.00 0.00 9.09 0.00 0.00 9.09 0.00 0.00 0.00

CUM.

0.00 18.18 27.27 45.45 54.55 63.64 72.73 72.73 81.82 81.82 81.82 81.82 81.82 90.91 90.91 90.91 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 121.51 54.55 105.01 142.06 308.42 20.20 0.00 1,798.62 0.00 0.00 0.00 0.00 3,880.75 0.00 0.00 510.00 0.00 0.00 0.00 6,941.12

0.00 121.51 176.06 281.07 423.13 731.55 751.75 751.75 2,550.37 2,550.37 2,550.37 2,550.37 2,550.37 6,431.12 6,431.12 6,431.12 6,941.12 6,941.12 6,941.12 6,941.12

BAND

0.00 1.75 0.79 1.51 2.05 4.44 0.29 0.00 25.91 0.00 0.00 0.00 0.00 55.91 0.00 0.00 7.35 0.00 0.00 0.00

CUM.

PERCENTAGE BAND

0.00 0.00 1.75 39.98 2.54 9.32 4.05 21.65 6.10 14.19 10.54 39.20 10.83 2.82 10.83 0.00 36.74 403.53 36.74 0.00 36.74 0.00 36.74 0.00 36.74 0.00 92.65 754.57 92.65 0.00 92.65 0.00 100.00 255.14 100.00 0.00 100.00 0.00 100.00 0.00

CUM

0.00 25.30 16.52 18.13 16.58 21.91 18.54 16.09 49.82 46.75 45.26 43.45 41.93 97.48 94.81 90.90 95.41 95.35 94.39 94.39

94.39

Page 38 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

SULAWESI SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

5,158 5,384 4,708 2,261 1,922 866 586 456 271 135 122 185 88 98 69 71 75 15 16 13 22,499

5,158 10,542 15,250 17,511 19,433 20,299 20,885 21,341 21,612 21,747 21,869 22,054 22,142 22,240 22,309 22,380 22,455 22,470 22,486 22,499

BAND

CUM.

22.93 22.93 23.93 46.86 20.93 67.78 10.05 77.83 8.54 86.37 3.85 90.22 2.60 92.83 2.03 94.85 1.20 96.06 0.60 96.66 0.54 97.20 0.82 98.02 0.39 98.41 0.44 98.85 0.31 99.16 0.32 99.47 0.33 99.80 0.07 99.87 0.07 99.94 0.06 100.00

PERCENTAGE rp

851.35 1,475.30 2,479.52 2,314.51 2,882.77 1,987.22 1,799.46 1,574.66 1,291.03 639.95 712.34 1,226.01 736.46 1,046.83 813.16 1,235.92 2,124.33 254.08 1,095.24 1,542.87 28,083.02

BAND

851.35 3.03 2,326.65 5.25 4,806.17 8.83 7,120.68 8.24 10,003.44 10.27 11,990.66 7.08 13,790.12 6.41 15,364.79 5.61 16,655.82 4.60 17,295.76 2.28 18,008.10 2.54 19,234.12 4.37 19,970.58 2.62 21,017.41 3.73 21,830.57 2.90 23,066.49 4.40 25,190.82 7.56 25,444.90 0.90 26,540.15 3.90 28,083.02 5.49

CUM.

3.03 8.28 17.11 25.36 35.62 42.70 49.10 54.71 59.31 61.59 64.12 68.49 71.11 74.84 77.74 82.14 89.70 90.61 94.51 100.00

PERCENTAGE f

8 6 6 2 4 3 6 3 2 1 1 2 0 0 0 2 2 4 0 2 54

8 14 20 22 26 29 35 38 40 41 42 44 44 44 44 46 48 52 52 54

BAND

CUM.

14.81 14.81 11.11 25.93 11.11 37.04 3.70 40.74 7.41 48.15 5.56 53.70 11.11 64.81 5.56 70.37 3.70 74.07 1.85 75.93 1.85 77.78 3.70 81.48 0.00 81.48 0.00 81.48 0.00 81.48 3.70 85.19 3.70 88.89 7.41 96.30 0.00 96.30 3.70 100.00

PERCENTAGE rp

127.46 344.32 450.27 183.47 603.15 775.46 1,958.80 105.92 1,486.58 40.80 29.26 11.62 0.00 0.00 0.00 51.70 59.72 53.07 0.00 470.00 6,751.60

127.46 471.78 922.04 1,105.51 1,708.66 2,484.13 4,442.93 4,548.85 6,035.43 6,076.23 6,105.49 6,117.11 6,117.11 6,117.11 6,117.11 6,168.81 6,228.53 6,281.60 6,281.60 6,751.60

BAND

CUM.

1.89 1.89 5.10 6.99 6.67 13.66 2.72 16.37 8.93 25.31 11.49 36.79 29.01 65.81 1.57 67.37 22.02 89.39 0.60 90.00 0.43 90.43 0.17 90.60 0.00 90.60 0.00 90.60 0.00 90.60 0.77 91.37 0.88 92.25 0.79 93.04 0.00 93.04 6.96 100.00

PERCENTAGE BAND

14.97 23.34 18.16 7.93 20.92 39.02 108.85 6.73 115.15 6.38 4.11 0.95 0.00 0.00 0.00 4.18 2.81 20.89 0.00 30.46

CUM

14.97 20.28 19.18 15.53 17.08 20.72 32.22 29.61 36.24 35.13 33.90 31.80 30.63 29.10 28.02 26.74 24.73 24.69 23.67 24.04

24.04

Page 39 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 21

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

SULAWESI TENGGARA

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

PERCENTAGE f

BAND

662 737 608 306 319 165 103 74 29 16 5 13 7 3 8 5 7 2 1 4

662 1,399 2,007 2,313 2,632 2,797 2,900 2,974 3,003 3,019 3,024 3,037 3,044 3,047 3,055 3,060 3,067 3,069 3,070 3,074

21.54 21.54 23.98 45.51 19.78 65.29 9.95 75.24 10.38 85.62 5.37 90.99 3.35 94.34 2.41 96.75 0.94 97.69 0.52 98.21 0.16 98.37 0.42 98.80 0.23 99.02 0.10 99.12 0.26 99.38 0.16 99.54 0.23 99.77 0.07 99.84 0.03 99.87 0.13 100.00

3,074

CUM.

PERCENTAGE rp

83.60 178.67 339.18 352.55 601.71 455.40 335.08 352.17 115.46 116.74 32.27 69.68 62.88 24.03 101.13 48.14 182.21 70.35 6.10 9,178.19 12,705.54

83.60 262.27 601.45 954.00 1,555.71 2,011.10 2,346.18 2,698.35 2,813.81 2,930.55 2,962.82 3,032.50 3,095.38 3,119.41 3,220.54 3,268.68 3,450.89 3,521.24 3,527.35 12,705.5

BAND

0.66 1.41 2.67 2.77 4.74 3.58 2.64 2.77 0.91 0.92 0.25 0.55 0.49 0.19 0.80 0.38 1.43 0.55 0.05 72.24

CUM.

0.66 2.06 4.73 7.51 12.24 15.83 18.47 21.24 22.15 23.07 23.32 23.87 24.36 24.55 25.35 25.73 27.16 27.71 27.76 100.00

PERCENTAGE f

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

BAND

0 1 3 4 6 6 6 7 7 7 7 7 7 7 7 7 7 7 8 8

CUM.

0.00 0.00 12.50 12.50 25.00 37.50 12.50 50.00 25.00 75.00 0.00 75.00 0.00 75.00 12.50 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 12.50 100.00 0.00 100.00

PERCENTAGE rp

0.00 0.00 45.00 45.00 53.63 98.63 35.00 133.63 813.67 947.29 0.00 947.29 0.00 947.29 12.50 959.79 0.00 959.79 0.00 959.79 0.00 959.79 0.00 959.79 0.00 959.79 0.00 959.79 0.00 959.79 0.00 959.79 0.00 959.79 0.00 959.79 10,503.44 11,463.23 0.00 11,463.23 11,463.23

BAND

CUM.

PERCENTAGE BAND

0.00 0.00 0.00 0.39 0.39 25.19 0.47 0.86 15.81 0.31 1.17 9.93 7.10 8.26 135.23 0.00 8.26 0.00 0.00 8.26 0.00 0.11 8.37 3.55 0.00 8.37 0.00 0.00 8.37 0.00 0.00 8.37 0.00 0.00 8.37 0.00 0.00 8.37 0.00 0.00 8.37 0.00 0.00 8.37 0.00 0.00 8.37 0.00 0.00 8.37 0.00 0.00 8.37 0.00 91.63 100.0 172187.50 0.00 100.0 0.00

CUM

0.00 17.16 16.40 14.01 60.89 47.10 40.38 35.57 34.11 32.75 32.39 31.65 31.01 30.77 29.80 29.36 27.81 27.26 324.98 90.22

90.22

Page 40 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 22

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

BALI

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

2,711 2,895 2,749 1,674 1,927 1,073 754 652 353 221 119 157 117 128 87 105 93 28 40 23 15,906

2,711 5,606 8,355 10,029 11,956 13,029 13,783 14,435 14,788 15,009 15,128 15,285 15,402 15,530 15,617 15,722 15,815 15,843 15,883 15,906

BAND

CUM.

17.04 17.04 18.20 35.24 17.28 52.53 10.52 63.05 12.11 75.17 6.75 81.91 4.74 86.65 4.10 90.75 2.22 92.97 1.39 94.36 0.75 95.11 0.99 96.10 0.74 96.83 0.80 97.64 0.55 98.18 0.66 98.84 0.58 99.43 0.18 99.60 0.25 99.86 0.14 100.00

PERCENTAGE rp

539.57 733.47 1,131.47 1,162.77 2,100.25 1,567.69 1,611.86 1,789.37 1,382.11 1,049.02 731.23 1,126.14 1,081.41 1,440.18 1,060.33 1,536.37 1,538.18 773.51 432.75 1,290.76 24,078.44

539.57 1,273.04 2,404.51 3,567.28 5,667.53 7,235.22 8,847.08 10,636.45 12,018.56 13,067.59 13,798.82 14,924.96 16,006.36 17,446.55 18,506.88 20,043.25 21,581.43 22,354.93 22,787.68 24,078.44

BAND

2.24 3.05 4.70 4.83 8.72 6.51 6.69 7.43 5.74 4.36 3.04 4.68 4.49 5.98 4.40 6.38 6.39 3.21 1.80 5.36

PERCENTAGE

CUM.

2.24 5.29 9.99 14.82 23.54 30.05 36.74 44.17 49.91 54.27 57.31 61.98 66.48 72.46 76.86 83.24 89.63 92.84 94.64 100.00

3 3 2 5 4 9 2 11 8 19 14 33 3 36 2 38 2 40 3 43 0 43 3 46 5 51 1 52 0 52 10 62 12 74 10 84 13 97 6 103 103

BAND

CUM.

2.91 2.91 1.94 4.85 3.88 8.74 1.94 10.68 7.77 18.45 13.59 32.04 2.91 34.95 1.94 36.89 1.94 38.83 2.91 41.75 0.00 41.75 2.91 44.66 4.85 49.51 0.97 50.49 0.00 50.49 9.71 60.19 11.65 71.84 9.71 81.55 12.62 94.17 5.83 100.00

PERCENTAGE rp

56.10 257.74 56.85 83.30 855.03 81.43 79.26 1,593.61 12.33 2.68 0.00 59.96 210.63 6.87 0.00 264.48 254.98 121.33 1,512.73 87.78 5,597.08

56.10 313.83 370.69 453.98 1,309.01 1,390.44 1,469.70 3,063.31 3,075.64 3,078.32 3,078.32 3,138.28 3,348.91 3,355.78 3,355.78 3,620.26 3,875.24 3,996.57 5,509.29 5,597.08

BAND

CUM.

1.00 1.00 4.60 5.61 1.02 6.62 1.49 8.11 15.28 23.39 1.45 24.84 1.42 26.26 28.47 54.73 0.22 54.95 0.05 55.00 0.00 55.00 1.07 56.07 3.76 59.83 0.12 59.96 0.00 59.96 4.73 64.68 4.56 69.24 2.17 71.40 27.03 98.43 1.57 100.00

PERCENTAGE BAND

10.40 35.14 5.02 7.16 40.71 5.19 4.92 89.06 0.89 0.26 0.00 5.32 19.48 0.48 0.00 17.21 16.58 15.69 349.56 6.80

CUM

10.40 24.65 15.42 12.73 23.10 19.22 16.61 28.80 25.59 23.56 22.31 21.03 20.92 19.23 18.13 18.06 17.96 17.88 24.18 23.25

23.25

Page 41 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 23

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

NUSA TEGGARA BARAT

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,418 1,225 953 443 393 211 123 112 66 17 25 23 15 18 8 7 11 3 1 8 5,080

1,418 2,643 3,596 4,039 4,432 4,643 4,766 4,878 4,944 4,961 4,986 5,009 5,024 5,042 5,050 5,057 5,068 5,071 5,072 5,080

BAND

CUM.

27.91 27.91 24.11 52.03 18.76 70.79 8.72 79.51 7.74 87.24 4.15 91.40 2.42 93.82 2.20 96.02 1.30 97.32 0.33 97.66 0.49 98.15 0.45 98.60 0.30 98.90 0.35 99.25 0.16 99.41 0.14 99.55 0.22 99.76 0.06 99.82 0.02 99.84 0.16 100.00

PERCENTAGE rp

185.85 301.24 550.98 409.83 565.13 442.18 344.09 386.86 250.60 133.17 194.80 105.15 325.09 178.47 129.12 46.59 183.57 59.11 0.37 138.08 4,930.26

185.85 487.09 1,038.07 1,447.90 2,013.03 2,455.21 2,799.30 3,186.16 3,436.76 3,569.92 3,764.72 3,869.88 4,194.97 4,373.44 4,502.55 4,549.14 4,732.71 4,791.81 4,792.18 4,930.26

BAND

3.77 6.11 11.18 8.31 11.46 8.97 6.98 7.85 5.08 2.70 3.95 2.13 6.59 3.62 2.62 0.94 3.72 1.20 0.01 2.80

PERCENTAGE

CUM.

3.77 9.88 21.06 29.37 40.83 49.80 56.78 64.62 69.71 72.41 76.36 78.49 85.09 88.71 91.32 92.27 95.99 97.19 97.20 100.00

2 3 1 1 1 0 0 0 1 0 0 0 35 0 0 0 1 2 0 0

2 4.26 4.26 5 6.38 10.64 6 2.13 12.77 7 2.13 14.89 8 2.13 17.02 8 0.00 17.02 8 0.00 17.02 8 0.00 17.02 9 2.13 19.15 9 0.00 19.15 9 0.00 19.15 9 0.00 19.15 44 74.47 93.62 44 0.00 93.62 44 0.00 93.62 44 0.00 93.62 45 2.13 95.74 47 4.26 100.00 47 0.00 100.00 47 0.00 100.00

BAND

CUM.

PERCENTAGE rp

21.88 43.88 32.47 139.32 326.52 0.00 0.00 0.00 178.97 0.00 0.00 0.00 164.21 0.00 0.00 0.00 2.87 203.79 0.00 0.00 1,113.91

21.88 65.76 98.23 237.54 564.06 564.06 564.06 564.06 743.04 743.04 743.04 743.04 907.25 907.25 907.25 907.25 910.12 1,113.91 1,113.91 1,113.91

BAND

CUM.

1.96 1.96 3.94 5.90 2.91 8.82 12.51 21.32 29.31 50.64 0.00 50.64 0.00 50.64 0.00 50.64 16.07 66.71 0.00 66.71 0.00 66.71 0.00 66.71 14.74 81.45 0.00 81.45 0.00 81.45 0.00 81.45 0.26 81.71 18.29 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

11.77 14.57 5.89 33.99 57.78 0.00 0.00 0.00 71.42 0.00 0.00 0.00 50.51 0.00 0.00 0.00 1.56 344.77 0.00 0.00

CUM

11.77 13.50 9.46 16.41 28.02 22.97 20.15 17.70 21.62 20.81 19.74 19.20 21.63 20.74 20.15 19.94 19.23 23.25 23.24 22.59

22.59

Page 42 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 24

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

NUSA TEGGARA TIMUR

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

530 631 705 358 415 240 141 107 62 31 24 17 10 13 2 7 6 1 1 0 3,301

530 1,161 1,866 2,224 2,639 2,879 3,020 3,127 3,189 3,220 3,244 3,261 3,271 3,284 3,286 3,293 3,299 3,300 3,301 3,301

BAND

CUM.

16.06 16.06 19.12 35.17 21.36 56.53 10.85 67.37 12.57 79.95 7.27 87.22 4.27 91.49 3.24 94.73 1.88 96.61 0.94 97.55 0.73 98.27 0.51 98.79 0.30 99.09 0.39 99.49 0.06 99.55 0.21 99.76 0.18 99.94 0.03 99.97 0.03 100.00 0.00 100.00

PERCENTAGE rp

83.03 197.21 448.21 403.41 827.97 621.99 542.27 503.54 397.69 174.02 206.10 122.04 66.38 79.98 51.81 176.96 112.01 30.00 3.67 0.00 5,048.27

83.03 280.24 728.44 1,131.85 1,959.82 2,581.81 3,124.08 3,627.62 4,025.31 4,199.33 4,405.43 4,527.47 4,593.84 4,673.83 4,725.63 4,902.60 5,014.60 5,044.60 5,048.27 5,048.27

BAND

1.64 3.91 8.88 7.99 16.40 12.32 10.74 9.97 7.88 3.45 4.08 2.42 1.31 1.58 1.03 3.51 2.22 0.59 0.07 0.00

CUM.

1.64 5.55 14.43 22.42 38.82 51.14 61.88 71.86 79.74 83.18 87.27 89.68 91.00 92.58 93.61 97.11 99.33 99.93 100.00 100.00

PERCENTAGE f

1 3 2 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 8

BAND

1 4 6 6 6 6 6 6 7 8 8 8 8 8 8 8 8 8 8 8

12.50 37.50 25.00 0.00 0.00 0.00 0.00 0.00 12.50 12.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

PERCENTAGE rp

12.50 600.00 50.00 88.29 75.00 98.87 75.00 0.00 75.00 0.00 75.00 0.00 75.00 0.00 75.00 0.00 87.50 1.87 100.00 8.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 797.03

600.00 688.29 787.16 787.16 787.16 787.16 787.16 787.16 789.03 797.03 797.03 797.03 797.03 797.03 797.03 797.03 797.03 797.03 797.03 797.03

BAND

75.28 11.08 12.40 0.00 0.00 0.00 0.00 0.00 0.23 1.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

75.28 86.36 98.76 98.76 98.76 98.76 98.76 98.76 99.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

CUM

722.66 44.77 22.06 0.00 0.00 0.00 0.00 0.00 0.47 4.60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

722.66 245.61 108.06 69.55 40.16 30.49 25.20 21.70 19.60 18.98 18.09 17.60 17.35 17.05 16.87 16.26 15.89 15.80 15.79 15.79

15.79

Page 43 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 25

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

MALUKU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

112 139 133 81 109 70 41 43 26 7 8 5 5 11 10 7 4 1 1 1 814

112 251 384 465 574 644 685 728 754 761 769 774 779 790 800 807 811 812 813 814

BAND

CUM.

13.76 13.76 17.08 30.84 16.34 47.17 9.95 57.13 13.39 70.52 8.60 79.12 5.04 84.15 5.28 89.43 3.19 92.63 0.86 93.49 0.98 94.47 0.61 95.09 0.61 95.70 1.35 97.05 1.23 98.28 0.86 99.14 0.49 99.63 0.12 99.75 0.12 99.88 0.12 100.00

PERCENTAGE rp

190.81 35.07 86.54 95.64 216.49 151.54 156.08 191.42 147.85 56.81 87.18 42.58 47.63 84.11 102.86 138.57 220.61 86.72 4.33 116.83 2,259.67

190.81 225.88 312.42 408.06 624.55 776.09 932.16 1,123.58 1,271.44 1,328.25 1,415.43 1,458.01 1,505.64 1,589.75 1,692.61 1,831.19 2,051.80 2,138.51 2,142.84 2,259.67

BAND

8.44 1.55 3.83 4.23 9.58 6.71 6.91 8.47 6.54 2.51 3.86 1.88 2.11 3.72 4.55 6.13 9.76 3.84 0.19 5.17

CUM.

8.44 10.00 13.83 18.06 27.64 34.35 41.25 49.72 56.27 58.78 62.64 64.52 66.63 70.35 74.91 81.04 90.80 94.64 94.83 100.00

PERCENTAGE f

0 0 0 0 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 2

BAND

0 0 0 0 0 1 1 1 2 2 2 2 2 2 2 2 2 2 2 2

0.00 0.00 0.00 0.00 0.00 50.00 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

PERCENTAGE

CUM.

0.00 0.00 0.00 0.00 0.00 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

0.00 0.00 0.00 0.00 0.00 163.66 0.00 0.00 191.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 163.66 163.66 163.66 355.06 355.06 355.06 355.06 355.06 355.06 355.06 355.06 355.06 355.06 355.06 355.06

355.06

BAND

0.00 0.00 0.00 0.00 0.00 46.09 0.00 0.00 53.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 0.00 46.09 46.09 46.09 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 108.00 0.00 0.00 129.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 21.09 17.56 14.57 27.93 26.73 25.09 24.35 23.58 22.33 20.98 19.39 17.30 16.60 16.57 15.71

15.71

Page 44 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 26

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

IRIAN JAYA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

329 376 522 350 368 247 140 124 78 39 36 26 21 21 15 11 11 8 1 1 2,724

329 705 1,227 1,577 1,945 2,192 2,332 2,456 2,534 2,573 2,609 2,635 2,656 2,677 2,692 2,703 2,714 2,722 2,723 2,724

BAND

CUM.

12.08 12.08 13.80 25.88 19.16 45.04 12.85 57.89 13.51 71.40 9.07 80.47 5.14 85.61 4.55 90.16 2.86 93.02 1.43 94.46 1.32 95.78 0.95 96.73 0.77 97.50 0.77 98.27 0.55 98.83 0.40 99.23 0.40 99.63 0.29 99.93 0.04 99.96 0.04 100.00

PERCENTAGE rp

411.74 158.33 407.80 426.07 749.29 739.51 593.03 667.11 676.04 315.97 270.77 237.88 255.17 204.31 283.79 92.58 288.56 163.22 2.46 23.46 6,967.11

411.74 570.07 977.87 1,403.95 2,153.24 2,892.75 3,485.78 4,152.89 4,828.93 5,144.90 5,415.68 5,653.55 5,908.72 6,113.03 6,396.82 6,489.41 6,777.97 6,941.18 6,943.65 6,967.11

BAND

5.91 2.27 5.85 6.12 10.75 10.61 8.51 9.58 9.70 4.54 3.89 3.41 3.66 2.93 4.07 1.33 4.14 2.34 0.04 0.34

CUM.

5.91 8.18 14.04 20.15 30.91 41.52 50.03 59.61 69.31 73.85 77.73 81.15 84.81 87.74 91.81 93.14 97.29 99.63 99.66 100.00

PERCENTAGE f

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

4 5 8 11 11 11 11 11 12 12 13 13 13 14 14 14 14 14 14 14

BAND

28.57 7.14 21.43 21.43 0.00 0.00 0.00 0.00 7.14 0.00 7.14 0.00 0.00 7.14 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

28.57 35.71 57.14 78.57 78.57 78.57 78.57 78.57 85.71 85.71 92.86 92.86 92.86 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

2,205.32 50.63 402.75 209.40 0.00 0.00 0.00 0.00 1,343.83 0.00 2,456.78 0.00 0.00 10.00 0.00 0.00 0.00 0.00 0.00 0.00 6,678.70

2,205.32 2,255.95 2,658.70 2,868.10 2,868.10 2,868.10 2,868.10 2,868.10 4,211.93 4,211.93 6,668.71 6,668.71 6,668.71 6,678.70 6,678.70 6,678.70 6,678.70 6,678.70 6,678.70 6,678.70

BAND

33.02 0.76 6.03 3.14 0.00 0.00 0.00 0.00 20.12 0.00 36.79 0.00 0.00 0.15 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

33.02 33.78 39.81 42.94 42.94 42.94 42.94 42.94 63.07 63.07 99.85 99.85 99.85 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

CUM

535.61 31.98 98.76 49.15 0.00 0.00 0.00 0.00 198.78 0.00 907.33 0.00 0.00 4.89 0.00 0.00 0.00 0.00 0.00 0.00

535.61 395.73 271.89 204.29 133.20 99.15 82.28 69.06 87.22 81.87 123.14 117.96 112.86 109.25 104.41 102.92 98.54 96.22 96.18 95.86

95.86

Page 45 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

MALUKU UTARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

46 71 73 38 69 36 44 52 27 17 8 7 7 2 1 0 0 0 0 0 498

BAND

46 117 190 228 297 333 377 429 456 473 481 488 495 497 498 498 498 498 498 498

9.24 14.26 14.66 7.63 13.86 7.23 8.84 10.44 5.42 3.41 1.61 1.41 1.41 0.40 0.20 0.00 0.00 0.00 0.00 0.00

CUM.

9.24 23.49 38.15 45.78 59.64 66.87 75.70 86.14 91.57 94.98 96.59 97.99 99.40 99.80 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

9.22 23.22 53.48 47.84 157.76 105.71 174.21 317.71 207.51 134.15 45.18 65.97 100.29 20.40 30.40 0.00 0.00 0.00 0.00 0.00 1,493.03

9.22 32.44 85.92 133.76 291.51 397.22 571.43 889.14 1,096.64 1,230.80 1,275.98 1,341.94 1,442.24 1,462.64 1,493.03 1,493.03 1,493.03 1,493.03 1,493.03 1,493.03

BAND

0.62 1.56 3.58 3.20 10.57 7.08 11.67 21.28 13.90 8.99 3.03 4.42 6.72 1.37 2.04 0.00 0.00 0.00 0.00 0.00

CUM.

0.62 2.17 5.75 8.96 19.52 26.61 38.27 59.55 73.45 82.44 85.46 89.88 96.60 97.96 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE f

0 0 0 0 1 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 2

BAND

0 0 0 0 1 1 1 1 1 2 2 2 2 2 2 2 2 2 2 2

0.00 0.00 0.00 0.00 50.00 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

CUM.

0.00 0.00 0.00 0.00 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

PERCENTAGE rp

0.00 0.00 0.00 0.00 121.80 0.00 0.00 0.00 0.00 32.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 154.77

0.00 0.00 0.00 0.00 121.80 121.80 121.80 121.80 121.80 154.77 154.77 154.77 154.77 154.77 154.77 154.77 154.77 154.77 154.77 154.77

BAND

0.00 0.00 0.00 0.00 78.70 0.00 0.00 0.00 0.00 21.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 78.70 78.70 78.70 78.70 78.70 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 77.21 0.00 0.00 0.00 0.00 24.58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 41.78 30.66 21.31 13.70 11.11 12.57 12.13 11.53 10.73 10.58 10.37 10.37 10.37 10.37 10.37 10.37

10.37

Page 46 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 28

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

IRIAN JAYA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

103 138 164 81 122 67 42 47 15 4 11 12 9 7 5 3 6 1 2 0 839

BAND

103 241 405 486 608 675 717 764 779 783 794 806 815 822 827 830 836 837 839 839

CUM.

12.28 12.28 16.45 28.72 19.55 48.27 9.65 57.93 14.54 72.47 7.99 80.45 5.01 85.46 5.60 91.06 1.79 92.85 0.48 93.33 1.31 94.64 1.43 96.07 1.07 97.14 0.83 97.97 0.60 98.57 0.36 98.93 0.72 99.64 0.12 99.76 0.24 100.00 0.00 100.00

PERCENTAGE rp

14.13 38.10 105.76 84.86 248.82 178.34 153.39 234.02 134.25 35.56 103.03 103.68 74.55 59.78 130.76 50.68 93.19 18.00 73.08 0.00 1,933.98

14.13 52.24 158.00 242.86 491.67 670.01 823.40 1,057.41 1,191.66 1,227.22 1,330.26 1,433.94 1,508.49 1,568.26 1,699.03 1,749.71 1,842.90 1,860.90 1,933.98 1,933.98

BAND

0.73 1.97 5.47 4.39 12.87 9.22 7.93 12.10 6.94 1.84 5.33 5.36 3.85 3.09 6.76 2.62 4.82 0.93 3.78 0.00

CUM.

0.73 2.70 8.17 12.56 25.42 34.64 42.58 54.68 61.62 63.46 68.78 74.14 78.00 81.09 87.85 90.47 95.29 96.22 100.00 100.00

PERCENTAGE f

0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1

BAND

0 0.00 0 0.00 0 0.00 0 0.00 1 100.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00

PERCENTAGE

CUM.

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

0.00 0.00 0.00 0.00 89.62 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 89.62

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 89.62 100.00 100.00 89.62 0.00 100.00 89.62 0.00 100.00 89.62 0.00 100.00 89.62 0.00 100.00 89.62 0.00 100.00 89.62 0.00 100.00 89.62 0.00 100.00 89.62 0.00 100.00 89.62 0.00 100.00 89.62 0.00 100.00 89.62 0.00 100.00 89.62 0.00 100.00 89.62 0.00 100.00 89.62 0.00 100.00 89.62 0.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 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

CUM

0.00 0.00 0.00 0.00 18.23 13.38 10.88 8.48 7.52 7.30 6.74 6.25 5.94 5.71 5.27 5.12 4.86 4.82 4.63 4.63

4.63

Page 47 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 29

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

BANTEN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

7,675 8,363 9,812 5,549 4,899 2,119 1,437 1,069 713 407 403 486 369 485 319 536 491 211 203 52 45,598

7,675 16,038 25,850 31,399 36,298 38,417 39,854 40,923 41,636 42,043 42,446 42,932 43,301 43,786 44,105 44,641 45,132 45,343 45,546 45,598

BAND

CUM.

16.83 16.83 18.34 35.17 21.52 56.69 12.17 68.86 10.74 79.60 4.65 84.25 3.15 87.40 2.34 89.75 1.56 91.31 0.89 92.20 0.88 93.09 1.07 94.15 0.81 94.96 1.06 96.03 0.70 96.73 1.18 97.90 1.08 98.98 0.46 99.44 0.45 99.89 0.11 100.00

PERCENTAGE rp

3,377.73 1,494.74 3,250.05 3,251.90 4,579.59 3,038.86 2,882.15 3,088.79 2,770.50 1,966.68 1,994.10 3,062.45 3,779.69 4,486.36 4,075.58 9,187.49 11,791.45 7,052.72 9,899.51 5,130.39 90,160.74

3,377.73 4,872.47 8,122.51 11,374.42 15,954.01 18,992.87 21,875.02 24,963.81 27,734.31 29,700.99 31,695.09 34,757.54 38,537.23 43,023.59 47,099.17 56,286.66 68,078.11 75,130.83 85,030.35 90,160.74

BAND

3.75 1.66 3.60 3.61 5.08 3.37 3.20 3.43 3.07 2.18 2.21 3.40 4.19 4.98 4.52 10.19 13.08 7.82 10.98 5.69

PERCENTAGE

CUM.

3.75 5.40 9.01 12.62 17.70 21.07 24.26 27.69 30.76 32.94 35.15 38.55 42.74 47.72 52.24 62.43 75.51 83.33 94.31 100.00

21 7 10 13 13 4 7 10 7 3 7 9 16 8 6 28 26 18 12 15

21 8.75 8.75 28 2.92 11.67 38 4.17 15.83 51 5.42 21.25 64 5.42 26.67 68 1.67 28.33 75 2.92 31.25 85 4.17 35.42 92 2.92 38.33 95 1.25 39.58 102 2.92 42.50 111 3.75 46.25 127 6.67 52.92 135 3.33 56.25 141 2.50 58.75 169 11.67 70.42 195 10.83 81.25 213 7.50 88.75 225 5.00 93.75 240 6.25 100.00

240

BAND

CUM.

PERCENTAGE rp

323.42 284.76 469.93 973.91 1,411.36 1,705.48 1,226.62 821.11 5,745.71 50.63 1,252.91 1,040.51 18,407.88 3,343.23 83.96 23,653.03 1,149.48 5,510.39 806.43 7,386.52 75,647.28

323.42 608.18 1,078.11 2,052.02 3,463.39 5,168.86 6,395.48 7,216.59 12,962.30 13,012.93 14,265.84 15,306.35 33,714.23 37,057.46 37,141.42 60,794.45 61,943.93 67,454.32 68,260.75 75,647.28

BAND

CUM.

0.43 0.43 0.38 0.80 0.62 1.43 1.29 2.71 1.87 4.58 2.25 6.83 1.62 8.45 1.09 9.54 7.60 17.14 0.07 17.20 1.66 18.86 1.38 20.23 24.33 44.57 4.42 48.99 0.11 49.10 31.27 80.37 1.52 81.89 7.28 89.17 1.07 90.24 9.76 100.00

PERCENTAGE BAND

CUM

9.57 19.05 14.46 29.95 30.82 56.12 42.56 26.58 207.39 2.57 62.83 33.98 487.02 74.52 2.06 257.45 9.75 78.13 8.15 143.98

9.57 12.48 13.27 18.04 21.71 27.21 29.24 28.91 46.74 43.81 45.01 44.04 87.48 86.13 78.86 108.01 90.99 89.78 80.28 83.90

83.90

Page 48 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 30

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

BANGKA BELITUNG

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

273 283 325 147 157 85 71 36 22 9 7 6 7 8 3 4 5 2 1 0 1,451

273 556 881 1,028 1,185 1,270 1,341 1,377 1,399 1,408 1,415 1,421 1,428 1,436 1,439 1,443 1,448 1,450 1,451 1,451

BAND

CUM.

18.81 18.81 19.50 38.32 22.40 60.72 10.13 70.85 10.82 81.67 5.86 87.53 4.89 92.42 2.48 94.90 1.52 96.42 0.62 97.04 0.48 97.52 0.41 97.93 0.48 98.41 0.55 98.97 0.21 99.17 0.28 99.45 0.34 99.79 0.14 99.93 0.07 100.00 0.00 100.00

PERCENTAGE rp

75.60 53.22 153.00 121.12 206.54 159.93 198.41 98.33 112.13 36.38 68.26 25.68 46.32 87.57 8.83 40.20 90.69 65.86 2.43 0.00 1,650.48

75.60 128.82 281.81 402.94 609.47 769.40 967.81 1,066.14 1,178.26 1,214.65 1,282.90 1,308.58 1,354.90 1,442.47 1,451.30 1,491.50 1,582.18 1,648.05 1,650.48 1,650.48

BAND

4.58 3.22 9.27 7.34 12.51 9.69 12.02 5.96 6.79 2.20 4.14 1.56 2.81 5.31 0.53 2.44 5.49 3.99 0.15 0.00

CUM.

4.58 7.80 17.07 24.41 36.93 46.62 58.64 64.60 71.39 73.59 77.73 79.29 82.09 87.40 87.93 90.37 95.86 99.85 100.00 100.00

PERCENTAGE f

0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3

BAND

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

0.00 0.00 0.00 33.33 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

CUM.

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

PERCENTAGE rp

0.00 0.00 0.00 73.52 35.20 34.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 142.84

0.00 0.00 0.00 73.52 108.72 142.84 142.84 142.84 142.84 142.84 142.84 142.84 142.84 142.84 142.84 142.84 142.84 142.84 142.84 142.84

BAND

0.00 0.00 0.00 51.47 24.64 23.89 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 51.47 76.11 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 60.70 17.04 21.34 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

0.00 0.00 0.00 18.25 17.84 18.57 14.76 13.40 12.12 11.76 11.13 10.92 10.54 9.90 9.84 9.58 9.03 8.67 8.65 8.65

8.65

Page 49 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 31

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

GORONTALO

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

655 520 301 134 155 78 67 36 32 17 13 5 7 2 3 2 2 1 1 0 2,031

655 1,175 1,476 1,610 1,765 1,843 1,910 1,946 1,978 1,995 2,008 2,013 2,020 2,022 2,025 2,027 2,029 2,030 2,031 2,031

BAND

CUM.

32.25 32.25 25.60 57.85 14.82 72.67 6.60 79.27 7.63 86.90 3.84 90.74 3.30 94.04 1.77 95.81 1.58 97.39 0.84 98.23 0.64 98.87 0.25 99.11 0.34 99.46 0.10 99.56 0.15 99.70 0.10 99.80 0.10 99.90 0.05 99.95 0.05 100.00 0.00 100.00

PERCENTAGE rp

42.18 79.23 116.99 93.97 182.08 176.40 149.85 133.30 208.82 58.93 69.75 41.28 80.29 23.41 63.27 29.50 11.59 30.63 0.56 0.00 1,592.04

42.18 121.41 238.40 332.37 514.45 690.85 840.71 974.01 1,182.83 1,241.76 1,311.51 1,352.79 1,433.08 1,456.49 1,519.76 1,549.26 1,560.85 1,591.48 1,592.04 1,592.04

BAND

2.65 4.98 7.35 5.90 11.44 11.08 9.41 8.37 13.12 3.70 4.38 2.59 5.04 1.47 3.97 1.85 0.73 1.92 0.04 0.00

CUM.

2.65 7.63 14.97 20.88 32.31 43.39 52.81 61.18 74.30 78.00 82.38 84.97 90.02 91.49 95.46 97.31 98.04 99.96 100.00 100.00

PERCENTAGE f

1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3

BAND

1 2 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3

33.33 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 0.00 0.00

CUM.

33.33 66.67 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.98 11.97 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 18.31

0.98 12.96 18.31 18.31 18.31 18.31 18.31 18.31 18.31 18.31 18.31 18.31 18.31 18.31 18.31 18.31 18.31 18.31 18.31 18.31

BAND

5.36 65.39 29.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

5.36 70.75 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

2.33 15.11 4.58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

2.33 10.67 7.68 5.51 3.56 2.65 2.18 1.88 1.55 1.47 1.40 1.35 1.28 1.26 1.20 1.18 1.17 1.15 1.15 1.15

1.15

Page 50 of 204

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

PROVINCE

: 32

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

KEPULAUAN RIAU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

1,233 1,572 2,073 1,476 1,462 624 373 337 137 105 64 74 55 90 45 77 77 37 48 13 9,972

1,233 2,805 4,878 6,354 7,816 8,440 8,813 9,150 9,287 9,392 9,456 9,530 9,585 9,675 9,720 9,797 9,874 9,911 9,959 9,972

BAND

CUM.

12.36 12.36 15.76 28.13 20.79 48.92 14.80 63.72 14.66 78.38 6.26 84.64 3.74 88.38 3.38 91.76 1.37 93.13 1.05 94.18 0.64 94.83 0.74 95.57 0.55 96.12 0.90 97.02 0.45 97.47 0.77 98.25 0.77 99.02 0.37 99.39 0.48 99.87 0.13 100.00

PERCENTAGE rp

817.43 281.18 988.11 1,401.16 2,222.49 1,276.90 970.37 1,355.28 547.07 552.30 526.23 618.00 568.33 893.34 441.50 1,274.39 2,028.71 1,391.64 1,535.81 190.96 19,881.22

817.43 1,098.61 2,086.72 3,487.88 5,710.36 6,987.26 7,957.63 9,312.92 9,859.99 10,412.29 10,938.52 11,556.52 12,124.86 13,018.20 13,459.70 14,734.09 16,762.81 18,154.45 19,690.26 19,881.22

BAND

4.11 1.41 4.97 7.05 11.18 6.42 4.88 6.82 2.75 2.78 2.65 3.11 2.86 4.49 2.22 6.41 10.20 7.00 7.72 0.96

CUM.

4.11 5.53 10.50 17.54 28.72 35.15 40.03 46.84 49.59 52.37 55.02 58.13 60.99 65.48 67.70 74.11 84.31 91.31 99.04 100.00

PERCENTAGE f

3 1 1 0 4 7 3 0 2 1 4 3 1 5 2 1 7 0 3 0 48

3 4 5 5 9 16 19 19 21 22 26 29 30 35 37 38 45 45 48 48

BAND

6.25 2.08 2.08 0.00 8.33 14.58 6.25 0.00 4.17 2.08 8.33 6.25 2.08 10.42 4.17 2.08 14.58 0.00 6.25 0.00

CUM.

6.25 8.33 10.42 10.42 18.75 33.33 39.58 39.58 43.75 45.83 54.17 60.42 62.50 72.92 77.08 79.17 93.75 93.75 100.00 100.00

PERCENTAGE rp

121.50 83.00 114.08 0.00 43.89 325.32 28.75 0.00 2,291.25 1.03 41.31 177.67 125.39 10,042.49 16.15 6,787.85 1,405.47 0.00 68.42 0.00 21,673.56

121.50 204.50 318.57 318.57 362.47 687.79 716.54 716.54 3,007.79 3,008.82 3,050.12 3,227.79 3,353.18 13,395.67 13,411.82 20,199.67 21,605.14 21,605.14 21,673.56 21,673.56

BAND

CUM.

0.56 0.56 0.38 0.94 0.53 1.47 0.00 1.47 0.20 1.67 1.50 3.17 0.13 3.31 0.00 3.31 10.57 13.88 0.00 13.88 0.19 14.07 0.82 14.89 0.58 15.47 46.34 61.81 0.07 61.88 31.32 93.20 6.48 99.68 0.00 99.68 0.32 100.00 0.00 100.00

PERCENTAGE BAND

14.86 29.52 11.54 0.00 1.97 25.48 2.96 0.00 418.82 0.19 7.85 28.75 22.06 1124.14 3.66 532.64 69.28 0.00 4.45 0.00

CUM

14.86 18.61 15.27 9.13 6.35 9.84 9.00 7.69 30.50 28.90 27.88 27.93 27.66 102.90 99.64 137.09 128.89 119.01 110.07 109.02

109.02

Page 51 of 204

RISK AND LOSS PROFILE 2006

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

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: All Code

SUM INSURED BAND

PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2006

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

DATA POSITION FROM

PERCENTAGE f

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

158,110 142,410 166,441 99,664 107,529 53,466 38,536 30,094 16,842 9,400 7,409 8,928 5,831 7,506 4,843 7,378 6,400 3,059 3,200 1,098 878,144

158,110 300,520 466,961 566,625 674,154 727,620 766,156 796,250 813,092 822,492 829,901 838,829 844,660 852,166 857,009 864,387 870,787 873,846 877,046 878,144

BAND

CUM.

18.01 18.01 16.22 34.22 18.95 53.18 11.35 64.53 12.25 76.77 6.09 82.86 4.39 87.25 3.43 90.67 1.92 92.59 1.07 93.66 0.84 94.51 1.02 95.52 0.66 96.19 0.85 97.04 0.55 97.59 0.84 98.43 0.73 99.16 0.35 99.51 0.36 99.87 0.13 100.00

PERCENTAGE rp

65,171.39 32,171.53 65,298.19 60,943.17 102,652.18 74,205.50 73,492.97 76,774.98 56,022.38 35,559.58 35,950.62 51,848.44 41,816.86 70,033.14 54,372.10 153,988.45 110,099.74 62,404.52 94,266.41 259,039.09

65,171.39 97,342.92 162,641.11 223,584.28 326,236.45 400,441.95 473,934.92 550,709.90 606,732.27 642,291.86 678,242.48 730,090.92 771,907.78 841,940.91 896,313.01 1,050,301.46 1,160,401.20 1,222,805.71 1,317,072.12 1,576,111.21

1,576,111.24

BAND

CUM.

4.13 4.13 2.04 6.18 4.14 10.32 3.87 14.19 6.51 20.70 4.71 25.41 4.66 30.07 4.87 34.94 3.55 38.50 2.26 40.75 2.28 43.03 3.29 46.32 2.65 48.98 4.44 53.42 3.45 56.87 9.77 66.64 6.99 73.62 3.96 77.58 5.98 83.56 16.44 100.00

PERCENTAGE f

827 300 478 469 670 425 358 379 222 189 135 238 170 304 195 507 529 411 629 414 7,849

827 1,127 1,605 2,074 2,744 3,169 3,527 3,906 4,128 4,317 4,452 4,690 4,860 5,164 5,359 5,866 6,395 6,806 7,435 7,849

BAND

CUM.

10.54 10.54 3.82 14.36 6.09 20.45 5.98 26.42 8.54 34.96 5.41 40.37 4.56 44.94 4.83 49.76 2.83 52.59 2.41 55.00 1.72 56.72 3.03 59.75 2.17 61.92 3.87 65.79 2.48 68.28 6.46 74.74 6.74 81.48 5.24 86.71 8.01 94.73 5.27 100.00

PERCENTAGE rp

434,536.30 16,614.18 22,599.21 37,852.86 53,393.89 68,107.73 48,553.20 42,146.09 56,023.73 26,185.24 46,943.55 107,809.19 37,260.74 111,052.16 79,993.27 178,077.44 461,022.75 260,105.24 517,133.92 618,194.82 3,223,605.51

434,536.30 451,150.48 473,749.69 511,602.55 564,996.44 633,104.17 681,657.37 723,803.46 779,827.18 806,012.42 852,955.97 960,765.16 998,025.90 1,109,078.06 1,189,071.33 1,367,148.77 1,828,171.52 2,088,276.77 2,605,410.68 3,223,605.50

BAND

13.48 0.52 0.70 1.17 1.66 2.11 1.51 1.31 1.74 0.81 1.46 3.34 1.16 3.44 2.48 5.52 14.30 8.07 16.04 19.18

PERCENTAGE

CUM.

BAND

13.48 14.00 14.70 15.87 17.53 19.64 21.15 22.45 24.19 25.00 26.46 29.80 30.96 34.40 36.89 42.41 56.71 64.78 80.82 100.00

666.76 51.64 34.61 62.11 52.01 91.78 66.07 54.90 100.00 73.64 130.58 207.93 89.10 158.57 147.12 115.64 418.73 416.81 548.59 238.65

CUM

666.76 463.47 291.29 228.82 173.19 158.10 143.83 131.43 128.53 125.49 125.76 131.60 129.29 131.73 132.66 130.17 157.55 170.78 197.82 204.53

204.53

Catatan / Note : Data belum termasuk Klaim Fire yang tidak ada Polisnya Rp. 1.406.977.837,97,- Freq. Klaim 324 ( Data not Include Claim Fire no Policy Rp. 1.406.977.837,97 - Freq Claim 324 )

Page 52 of 204

RISK AND LOSS PROFILE 2006 GROUP BY CLASS OF BUSINESS

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

PT. REASURANSI INTERNASIONAL INDONESIA Jl. Salemba Raya No. 30, Jakarta 10430, Indonesia P.O. Box 2635 JKT 10026, Cable ReINDO Phones:( 62-21 ) 3920101 Fax :( 62-21 ) 391143 Website :http://www.reindo.co.id/bppdan/default.asp Email : bppdan@reindo.co.id

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

:FIRE

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2006

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

136,932 135,346 154,534 90,302 93,757 44,130 30,342 21,839 11,424 5,907 4,506 4,873 3,084 3,600 2,092 2,778 2,027 753 702 248 749,176

136,932 272,278 426,812 517,114 610,871 655,001 685,343 707,182 718,606 724,513 729,019 733,892 736,976 740,576 742,668 745,446 747,473 748,226 748,928 749,176

BAND

CUM.

18.28 18.28 18.07 36.34 20.63 56.97 12.05 69.02 12.51 81.54 5.89 87.43 4.05 91.48 2.92 94.39 1.52 95.92 0.79 96.71 0.60 97.31 0.65 97.96 0.41 98.37 0.48 98.85 0.28 99.13 0.37 99.50 0.27 99.77 0.10 99.87 0.09 99.97 0.03 100.00

PERCENTAGE rp

39,255.10 30,788.17 62,202.20 58,588.78 94,192.71 65,770.78 62,645.60 62,108.14 43,452.84 26,567.28 25,518.40 34,245.99 25,771.60 37,967.75 26,449.65 49,684.90 47,300.52 18,383.49 30,061.83 8,586.45 849,542.19

39,255.10 70,043.27 132,245.47 190,834.25 285,026.96 350,797.74 413,443.34 475,551.48 519,004.32 545,571.61 571,090.01 605,336.00 631,107.60 669,075.36 695,525.01 745,209.91 792,510.43 810,893.92 840,955.74 849,542.19

BAND

4.62 3.62 7.32 6.90 11.09 7.74 7.37 7.31 5.11 3.13 3.00 4.03 3.03 4.47 3.11 5.85 5.57 2.16 3.54 1.01

CUM.

4.62 8.24 15.57 22.46 33.55 41.29 48.67 55.98 61.09 64.22 67.22 71.25 74.29 78.76 81.87 87.72 93.29 95.45 98.99 100.00

PERCENTAGE f

354 216 249 246 296 181 163 178 94 55 62 117 62 124 57 152 145 85 119 45 3,000

354 570 819 1,065 1,361 1,542 1,705 1,883 1,977 2,032 2,094 2,211 2,273 2,397 2,454 2,606 2,751 2,836 2,955 3,000

BAND

CUM.

11.80 11.80 7.20 19.00 8.30 27.30 8.20 35.50 9.87 45.37 6.03 51.40 5.43 56.83 5.93 62.77 3.13 65.90 1.83 67.73 2.07 69.80 3.90 73.70 2.07 75.77 4.13 79.90 1.90 81.80 5.07 86.87 4.83 91.70 2.83 94.53 3.97 98.50 1.50 100.00

PERCENTAGE rp

175,919.11 14,733.08 15,097.28 29,030.52 27,181.85 54,821.41 34,411.93 23,760.54 19,868.98 10,314.37 18,078.24 27,746.04 22,260.67 56,096.22 25,576.61 52,762.39 168,088.49 45,244.22 34,025.50 196,689.52 1,051,706.97

175,919.11 190,652.19 205,749.47 234,779.99 261,961.84 316,783.26 351,195.19 374,955.72 394,824.70 405,139.07 423,217.32 450,963.36 473,224.03 529,320.24 554,896.86 607,659.25 775,747.73 820,991.96 855,017.46 1,051,706.97

BAND

16.73 1.40 1.44 2.76 2.58 5.21 3.27 2.26 1.89 0.98 1.72 2.64 2.12 5.33 2.43 5.02 15.98 4.30 3.24 18.70

CUM.

16.73 18.13 19.56 22.32 24.91 30.12 33.39 35.65 37.54 38.52 40.24 42.88 45.00 50.33 52.76 57.78 73.76 78.06 81.30 100.00

PERCENTAGE BAND

CUM

448.14 47.85 24.27 49.55 28.86 83.35 54.93 38.26 45.73 38.82 70.84 81.02 86.38 147.75 96.70 106.19 355.36 246.11 113.19 2290.70

448.14 272.19 155.58 123.03 91.91 90.30 84.94 78.85 76.07 74.26 74.11 74.50 74.98 79.11 79.78 81.54 97.88 101.25 101.67 123.80

123.80

Page 53 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

:I.A.R

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2006

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

14,499 4,820 8,096 6,803 9,731 6,602 5,844 5,756 3,678 2,317 1,872 2,550 1,760 2,581 1,675 2,917 2,682 1,415 1,444 456 87,498

14,499 19,319 27,415 34,218 43,949 50,551 56,395 62,151 65,829 68,146 70,018 72,568 74,328 76,909 78,584 81,501 84,183 85,598 87,042 87,498

BAND

CUM.

16.57 16.57 5.51 22.08 9.25 31.33 7.78 39.11 11.12 50.23 7.55 57.77 6.68 64.45 6.58 71.03 4.20 75.23 2.65 77.88 2.14 80.02 2.91 82.94 2.01 84.95 2.95 87.90 1.91 89.81 3.33 93.15 3.07 96.21 1.62 97.83 1.65 99.48 0.52 100.00

PERCENTAGE rp

15,077.84 1,013.13 2,334.60 1,464.26 6,561.06 6,362.29 8,756.55 11,489.44 9,614.22 8,507.83 8,153.80 13,120.00 12,686.02 26,271.07 22,602.53 49,541.34 41,751.60 30,365.02 43,255.36 184,255.33 503,183.30

15,077.84 16,090.97 18,425.57 19,889.83 26,450.89 32,813.18 41,569.73 53,059.16 62,673.39 71,181.22 79,335.02 92,455.02 105,141.04 131,412.11 154,014.64 203,555.98 245,307.58 275,672.60 318,927.96 503,183.30

BAND

CUM.

3.00 3.00 0.20 3.20 0.46 3.66 0.29 3.95 1.30 5.26 1.26 6.52 1.74 8.26 2.28 10.54 1.91 12.46 1.69 14.15 1.62 15.77 2.61 18.37 2.52 20.90 5.22 26.12 4.49 30.61 9.85 40.45 8.30 48.75 6.03 54.79 8.60 63.38 36.62 100.00

PERCENTAGE f

456 80 220 217 366 238 190 191 124 130 70 118 103 168 129 343 371 311 493 362 4,680

456 536 756 973 1,339 1,577 1,767 1,958 2,082 2,212 2,282 2,400 2,503 2,671 2,800 3,143 3,514 3,825 4,318 4,680

BAND

9.74 1.71 4.70 4.64 7.82 5.09 4.06 4.08 2.65 2.78 1.50 2.52 2.20 3.59 2.76 7.33 7.93 6.65 10.53 7.74

CUM.

9.74 11.45 16.15 20.79 28.61 33.70 37.76 41.84 44.49 47.26 48.76 51.28 53.48 57.07 59.83 67.16 75.09 81.73 92.26 100.00

PERCENTAGE rp

255,812.52 1,850.46 6,257.98 8,153.04 26,010.97 12,769.74 14,061.15 18,053.98 36,068.70 15,753.90 28,543.40 79,753.75 14,899.11 53,196.05 53,662.57 124,416.67 291,932.00 209,362.62 458,175.36 420,530.37 2,129,264.34

255,812.52 257,662.99 263,920.96 272,074.00 298,084.97 310,854.70 324,915.86 342,969.84 379,038.54 394,792.44 423,335.84 503,089.59 517,988.70 571,184.74 624,847.31 749,263.99 1,041,195.99 1,250,558.61 1,708,733.96 2,129,264.34

BAND

CUM.

PERCENTAGE BAND

12.01 12.01 1696.61 0.09 12.10 182.65 0.29 12.39 268.05 0.38 12.78 556.80 1.22 14.00 396.44 0.60 14.60 200.71 0.66 15.26 160.58 0.85 16.11 157.14 1.69 17.80 375.16 0.74 18.54 185.17 1.34 19.88 350.06 3.75 23.63 607.88 0.70 24.33 117.45 2.50 26.83 202.49 2.52 29.35 237.42 5.84 35.19 251.14 13.71 48.90 699.21 9.83 58.73 689.49 21.52 80.25 1059.23 19.75 100.00 228.23

CUM

1696.61 1601.29 1432.36 1367.90 1126.94 947.35 781.62 646.39 604.78 554.63 533.61 544.15 492.66 434.65 405.71 368.09 424.45 453.64 535.77 423.16

423.16

Page 54 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

:L.O.P

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2006

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

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

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

BAND

CUM.

4.07 4.07 1.36 5.43 1.70 7.13 1.19 8.32 1.70 10.02 1.19 11.21 1.19 12.39 1.53 13.92 1.70 15.62 1.19 16.81 1.19 18.00 38.54 56.54 2.21 58.74 2.89 61.63 4.75 66.38 9.85 76.23 10.70 86.93 4.41 91.34 6.96 98.30 1.70 100.00

PERCENTAGE rp

78.43 1.37 2.92 87.80 5.62 5.89 -116.3 7.88 20.53 20.72 16.60 979.29 72.90 -64.97 -167.51 189.63 734.76 47.40 1,117.73 79.00 3,119.66

78.43 79.80 82.72 170.52 176.14 182.03 65.73 73.61 94.13 114.85 131.45 1,110.74 1,183.64 1,118.67 951.15 1,140.78 1,875.54 1,922.94 3,040.66 3,119.66

BAND

2.51 0.04 0.09 2.81 0.18 0.19 -3.73 0.25 0.66 0.66 0.53 31.39 2.34 -2.08 -5.37 6.08 23.55 1.52 35.83 2.53

CUM.

2.51 2.56 2.65 5.47 5.65 5.84 2.11 2.36 3.02 3.68 4.21 35.60 37.94 35.86 30.49 36.57 60.12 61.64 97.47 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 0 4 9 3 21

BAND

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 5 9 18 21

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 23.81 23.81 0.00 23.81 19.05 42.86 42.86 85.71 14.29 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 393.05 0.00 1,158.02 19,855.79 616.40 22,023.25

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 393.05 393.05 1,551.06 21,406.85 22,023.25

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.78 0.00 5.26 90.16 2.80

PERCENTAGE

CUM.

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.78 1.78 7.04 97.20 100.00

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 0.00 207.28 0.00 2443.02 1776.45 780.29

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 34.45 20.96 80.66 704.02 705.95

705.95

Page 55 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: Earthquake

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2006

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

6,655 2,236 3,801 2,552 4,031 2,727 2,343 2,490 1,730 1,169 1,024 1,278 974 1,308 1,048 1,625 1,628 865 1,013 384 40,881

6,655 8,891 12,692 15,244 19,275 22,002 24,345 26,835 28,565 29,734 30,758 32,036 33,010 34,318 35,366 36,991 38,619 39,484 40,497 40,881

BAND

CUM.

16.28 16.28 5.47 21.75 9.30 31.05 6.24 37.29 9.86 47.15 6.67 53.82 5.73 59.55 6.09 65.64 4.23 69.87 2.86 72.73 2.50 75.24 3.13 78.36 2.38 80.75 3.20 83.95 2.56 86.51 3.97 90.48 3.98 94.47 2.12 96.58 2.48 99.06 0.94 100.00

PERCENTAGE rp

10,760.02 368.86 758.46 802.33 1,892.78 2,066.54 2,207.13 3,169.53 2,934.78 463.74 2,261.82 3,503.16 3,286.33 5,859.29 5,487.43 54,572.59 20,312.86 13,608.61 19,831.50 66,118.31 220,266.06

10,760.02 11,128.88 11,887.34 12,689.68 14,582.46 16,649.00 18,856.13 22,025.65 24,960.43 25,424.18 27,686.00 31,189.16 34,475.49 40,334.78 45,822.21 100,394.79 120,707.65 134,316.26 154,147.76 220,266.06

BAND

4.89 0.17 0.34 0.36 0.86 0.94 1.00 1.44 1.33 0.21 1.03 1.59 1.49 2.66 2.49 24.78 9.22 6.18 9.00 30.02

CUM.

4.89 5.05 5.40 5.76 6.62 7.56 8.56 10.00 11.33 11.54 12.57 14.16 15.65 18.31 20.80 45.58 54.80 60.98 69.98 100.00

PERCENTAGE f

17 4 9 6 8 6 5 10 4 4 3 3 5 12 9 7 13 11 8 4 148

17 21 30 36 44 50 55 65 69 73 76 79 84 96 105 112 125 136 144 148

BAND

CUM.

11.49 11.49 2.70 14.19 6.08 20.27 4.05 24.32 5.41 29.73 4.05 33.78 3.38 37.16 6.76 43.92 2.70 46.62 2.70 49.32 2.03 51.35 2.03 53.38 3.38 56.76 8.11 64.86 6.08 70.95 4.73 75.68 8.78 84.46 7.43 91.89 5.41 97.30 2.70 100.00

PERCENTAGE rp

2,804.66 30.64 1,243.96 669.30 201.07 516.58 80.11 331.57 86.04 116.96 321.90 309.41 100.96 1,759.90 754.09 505.33 1,002.26 4,340.39 5,077.27 358.53 20,610.94

2,804.66 2,835.30 4,079.26 4,748.56 4,949.63 5,466.22 5,546.33 5,877.90 5,963.94 6,080.91 6,402.81 6,712.22 6,813.18 8,573.07 9,327.16 9,832.49 10,834.75 15,175.14 20,252.41 20,610.94

BAND

CUM.

13.61 13.61 0.15 13.76 6.04 19.79 3.25 23.04 0.98 24.01 2.51 26.52 0.39 26.91 1.61 28.52 0.42 28.94 0.57 29.50 1.56 31.07 1.50 32.57 0.49 33.06 8.54 41.59 3.66 45.25 2.45 47.71 4.86 52.57 21.06 73.63 24.63 98.26 1.74 100.00

PERCENTAGE BAND

26.07 8.31 164.01 83.42 10.62 25.00 3.63 10.46 2.93 25.22 14.23 8.83 3.07 30.04 13.74 0.93 4.93 31.89 25.60 0.54

CUM

26.07 25.48 34.32 37.42 33.94 32.83 29.41 26.69 23.89 23.92 23.13 21.52 19.76 21.25 20.36 9.79 8.98 11.30 13.14 9.36

9.36

Page 56 of 204

RISK AND LOSS PROFILE 2006 GROUP BY PROVINCE

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

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

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

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

192 28 48 31 59 32 38 33 28 24 20 38 30 35 32 55 85 56 73 56 993

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

BAND

CUM.

19.34 19.34 2.82 22.16 4.83 26.99 3.12 30.11 5.94 36.05 3.22 39.27 3.83 43.10 3.32 46.42 2.82 49.24 2.42 51.66 2.01 53.68 3.83 57.50 3.02 60.52 3.52 64.05 3.22 67.27 5.54 72.81 8.56 81.37 5.64 87.01 7.35 94.36 5.64 100.00

PERCENTAGE rp

758.72 5.09 13.38 136.74 41.65 28.76 64.13 84.57 58.59 54.70 103.99 168.23 154.62 222.28 262.40 1,003.87 1,657.49 815.94 1,322.53 1,641.02 8,598.71

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

BAND

8.82 0.06 0.16 1.59 0.48 0.33 0.75 0.98 0.68 0.64 1.21 1.96 1.80 2.59 3.05 11.67 19.28 9.49 15.38 19.08

PERCENTAGE

CUM.

8.82 8.88 9.04 10.63 11.11 11.45 12.19 13.18 13.86 14.49 15.70 17.66 19.46 22.04 25.10 36.77 56.05 65.53 80.92 100.00

19 0 0 0 0 0 0 0 0 1 0 0 0 1 4 5 8 3 7 24

19 26.39 26.39 19 0.00 26.39 19 0.00 26.39 19 0.00 26.39 19 0.00 26.39 19 0.00 26.39 19 0.00 26.39 19 0.00 26.39 19 0.00 26.39 20 1.39 27.78 20 0.00 27.78 20 0.00 27.78 20 0.00 27.78 21 1.39 29.17 25 5.56 34.72 30 6.94 41.67 38 11.11 52.78 41 4.17 56.94 48 9.72 66.67 72 33.33 100.00

BAND

CUM.

PERCENTAGE rp

15,139.77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 851.63 0.00 0.00 0.00 107.19 1,452.44 5,303.23 42,233.76 2,744.98 2,203.94 19,936.08 89,973.02

15,139.77 15,139.77 15,139.77 15,139.77 15,139.77 15,139.77 15,139.77 15,139.77 15,139.77 15,991.40 15,991.40 15,991.40 15,991.40 16,098.59 17,551.02 22,854.25 65,088.01 67,832.99 70,036.93 89,973.02

BAND

CUM.

16.83 16.83 0.00 16.83 0.00 16.83 0.00 16.83 0.00 16.83 0.00 16.83 0.00 16.83 0.00 16.83 0.00 16.83 0.95 17.77 0.00 17.77 0.00 17.77 0.00 17.77 0.12 17.89 1.61 19.51 5.89 25.40 46.94 72.34 3.05 75.39 2.45 77.84 22.16 100.00

PERCENTAGE BAND

1995.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1556.96 0.00 0.00 0.00 48.22 553.53 528.28 2548.05 336.42 166.65 1214.86

CUM

1995.44 1982.15 1948.01 1656.56 1584.36 1538.07 1443.99 1336.21 1270.51 1283.08 1184.27 1053.07 955.75 849.33 813.36 722.84 1350.59 1203.75 1006.61 1046.35

1046.35

Page 57 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2006

15/06/2009

DATE

15/09/2009

Stone,Earth,(Animal) Bons or Shells

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

240 79 125 88 109 79 91 76 54 51 51 73 51 75 69 112 163 73 104 47 1,810

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

BAND

CUM.

13.2 13.26 4.36 17.62 6.91 24.53 4.86 29.39 6.02 35.41 4.36 39.78 5.03 44.81 4.20 49.01 2.98 51.99 2.82 54.81 2.82 57.62 4.03 61.66 2.82 64.48 4.14 68.62 3.81 72.43 6.19 78.62 9.01 87.62 4.03 91.66 5.75 97.40 2.60 100.00

PERCENTAGE rp

539.02 19.49 39.21 41.15 100.58 88.00 137.29 166.90 121.12 153.43 174.41 246.07 195.92 372.26 490.50 1,092.32 1,648.87 831.12 1,503.78 1,029.22 8,990.65

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

BAND

CUM.

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

PERCENTAGE f

15 0 0 1 2 0 2 1 1 0 1 4 1 10 0 7 11 7 10 17 90

15 15 15 16 18 18 20 21 22 22 23 27 28 38 38 45 56 63 73 90

BAND

CUM.

16.67 16.67 0.00 16.67 0.00 16.67 1.11 17.78 2.22 20.00 0.00 20.00 2.22 22.22 1.11 23.33 1.11 24.44 0.00 24.44 1.11 25.56 4.44 30.00 1.11 31.11 11.11 42.22 0.00 42.22 7.78 50.00 12.22 62.22 7.78 70.00 11.11 81.11 18.89 100.00

PERCENTAGE rp

12,910.86 0.00 0.00 2.02 6.93 0.00 11.27 42.00 1.29 0.00 10.53 77.08 12.35 10,900.75 0.00 1,465.07 1,689.72 14,822.94 7,811.71 11,957.94 61,722.45

12,910.86 12,910.86 12,910.86 12,912.88 12,919.80 12,919.80 12,931.07 12,973.07 12,974.36 12,974.36 12,984.89 13,061.97 13,074.32 23,975.07 23,975.07 25,440.14 27,129.86 41,952.80 49,764.51 61,722.45

BAND

20.92 0.00 0.00 0.00 0.01 0.00 0.02 0.07 0.00 0.00 0.02 0.12 0.02 17.66 0.00 2.37 2.74 24.02 12.66 19.37

CUM.

20.92 20.92 20.92 20.92 20.93 20.93 20.95 21.02 21.02 21.02 21.04 21.16 21.18 38.84 38.84 41.22 43.95 67.97 80.63 100.00

PERCENTAGE BAND

2395.24 0.00 0.00 4.91 6.89 0.00 8.21 25.16 1.06 0.00 6.04 31.33 6.31 2928.28 0.00 134.12 102.48 1783.48 519.47 1161.85

CUM

2395.24 2311.66 2160.01 2021.21 1747.23 1561.40 1340.38 1146.40 1035.66 922.66 821.52 715.07 646.42 1001.11 830.93 639.58 482.18 649.66 625.07 686.52

686.52

Page 58 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2006

15/06/2009

DATE

15/09/2009

Metals

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

745 302 429 332 514 423 390 496 334 256 211 300 263 390 268 548 569 373 355 123 7,621

745 1,047 1,476 1,808 2,322 2,745 3,135 3,631 3,965 4,221 4,432 4,732 4,995 5,385 5,653 6,201 6,770 7,143 7,498 7,621

BAND

CUM.

9.78 9.78 3.96 13.74 5.63 19.37 4.36 23.72 6.74 30.47 5.55 36.02 5.12 41.14 6.51 47.64 4.38 52.03 3.36 55.39 2.77 58.16 3.94 62.09 3.45 65.54 5.12 70.66 3.52 74.18 7.19 81.37 7.47 88.83 4.89 93.73 4.66 98.39 1.61 100.00

PERCENTAGE rp

2,945.86 100.55 196.16 169.45 413.83 407.21 575.02 899.73 859.00 817.59 902.50 1,349.38 1,351.89 2,491.02 2,301.70 5,880.79 7,777.54 5,095.65 6,997.02 1,666.86 43,198.76

2,945.86 3,046.41 3,242.56 3,412.02 3,825.85 4,233.06 4,808.08 5,707.81 6,566.82 7,384.40 8,286.90 9,636.28 10,988.17 13,479.19 15,780.89 21,661.68 29,439.22 34,534.87 41,531.89 43,198.76

BAND

6.82 0.23 0.45 0.39 0.96 0.94 1.33 2.08 1.99 1.89 2.09 3.12 3.13 5.77 5.33 13.61 18.00 11.80 16.20 3.86

CUM.

6.82 7.05 7.51 7.90 8.86 9.80 11.13 13.21 15.20 17.09 19.18 22.31 25.44 31.20 36.53 50.14 68.15 79.94 96.14 100.00

PERCENTAGE f

43 2 1 3 0 0 4 2 1 6 4 7 4 13 7 26 34 38 68 25 288

43 45 46 49 49 49 53 55 56 62 66 73 77 90 97 123 157 195 263 288

BAND

14.93 0.69 0.35 1.04 0.00 0.00 1.39 0.69 0.35 2.08 1.39 2.43 1.39 4.51 2.43 9.03 11.81 13.19 23.61 8.68

CUM.

14.93 15.63 15.97 17.01 17.01 17.01 18.40 19.10 19.44 21.53 22.92 25.35 26.74 31.25 33.68 42.71 54.51 67.71 91.32 100.00

PERCENTAGE rp

74,704.90 242.33 58.35 1,146.84 0.00 0.00 520.25 130.79 15.56 66.66 2,050.94 2,283.81 384.59 -1,056.43 1,974.97 4,606.52 31,418.54 17,166.56 151,127.57 27,895.35 314,738.11

74,704.90 74,947.23 75,005.59 76,152.42 76,152.42 76,152.42 76,672.67 76,803.46 76,819.02 76,885.68 78,936.62 81,220.43 81,605.02 80,548.59 82,523.56 87,130.08 118,548.62 135,715.18 286,842.75 314,738.11

BAND

23.74 0.08 0.02 0.36 0.00 0.00 0.17 0.04 0.00 0.02 0.65 0.73 0.12 -0.34 0.63 1.46 9.98 5.45 48.02 8.86

PERCENTAGE

CUM.

BAND

23.74 23.81 23.83 24.20 24.20 24.20 24.36 24.40 24.41 24.43 25.08 25.81 25.93 25.59 26.22 27.68 37.67 43.12 91.14 100.00

2535.93 241.01 29.75 676.79 0.00 0.00 90.47 14.54 1.81 8.15 227.25 169.25 28.45 -42.41 85.80 78.33 403.96 336.89 2159.88 1673.52

CUM

2535.93 2460.18 2313.16 2231.89 1990.47 1798.99 1594.66 1345.59 1169.81 1041.19 952.55 842.86 742.66 597.58 522.93 402.23 402.69 392.98 690.66 728.58

728.58

Page 59 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2006

15/06/2009

DATE

15/09/2009

Chemical / Oils / Gas

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

974 269 391 617 722 589 578 702 470 389 390 438 356 529 403 662 654 291 350 166 9,940

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

BAND

CUM.

9.80 9.80 2.71 12.51 3.93 16.44 6.21 22.65 7.26 29.91 5.93 35.84 5.81 41.65 7.06 48.71 4.73 53.44 3.91 57.35 3.92 61.28 4.41 65.68 3.58 69.27 5.32 74.59 4.05 78.64 6.66 85.30 6.58 91.88 2.93 94.81 3.52 98.33 1.67 100.00

PERCENTAGE rp

3,909.61 123.09 280.60 454.89 1,051.03 1,232.15 1,416.60 2,666.99 1,910.56 1,560.34 2,002.52 2,717.79 2,494.14 5,131.30 4,490.95 9,660.97 11,768.92 6,580.54 9,137.17 15,204.92 83,795.06

3,909.61 4,032.70 4,313.30 4,768.19 5,819.22 7,051.37 8,467.96 11,134.95 13,045.51 14,605.85 16,608.36 19,326.15 21,820.29 26,951.60 31,442.54 41,103.51 52,872.43 59,452.97 68,590.14 83,795.06

BAND

4.67 0.15 0.33 0.54 1.25 1.47 1.69 3.18 2.28 1.86 2.39 3.24 2.98 6.12 5.36 11.53 14.04 7.85 10.90 18.15

CUM.

4.67 4.81 5.15 5.69 6.94 8.42 10.11 13.29 15.57 17.43 19.82 23.06 26.04 32.16 37.52 49.05 63.10 70.95 81.85 100.00

PERCENTAGE f

40 1 3 6 11 10 8 12 23 10 13 16 10 21 19 50 55 23 32 8 371

40 41 44 50 61 71 79 91 114 124 137 153 163 184 203 253 308 331 363 371

BAND

CUM.

10.78 10.78 0.27 11.05 0.81 11.86 1.62 13.48 2.96 16.44 2.70 19.14 2.16 21.29 3.23 24.53 6.20 30.73 2.70 33.42 3.50 36.93 4.31 41.24 2.70 43.94 5.66 49.60 5.12 54.72 13.48 68.19 14.82 83.02 6.20 89.22 8.63 97.84 2.16 100.00

PERCENTAGE rp

56,209.23 20.56 99.66 749.16 346.81 447.28 1,535.69 2,223.32 3,289.73 2,645.96 4,725.77 4,415.33 4,973.75 11,596.29 5,369.33 43,685.36 78,337.42 13,907.79 78,443.50 47,749.97 360,771.90

56,209.23 56,229.79 56,329.45 57,078.61 57,425.43 57,872.70 59,408.39 61,631.71 64,921.44 67,567.40 72,293.18 76,708.50 81,682.25 93,278.54 98,647.87 142,333.23 220,670.65 234,578.44 313,021.93 360,771.90

BAND

15.58 0.01 0.03 0.21 0.10 0.12 0.43 0.62 0.91 0.73 1.31 1.22 1.38 3.21 1.49 12.11 21.71 3.86 21.74 13.24

CUM.

15.58 15.59 15.61 15.82 15.92 16.04 16.47 17.08 18.00 18.73 20.04 21.26 22.64 25.86 27.34 39.45 61.17 65.02 86.76 100.00

PERCENTAGE BAND

1437.72 16.70 35.52 164.69 33.00 36.30 108.41 83.36 172.19 169.58 235.99 162.46 199.42 225.99 119.56 452.18 665.63 211.35 858.51 314.04

CUM

1437.72 1394.35 1305.95 1197.07 986.82 820.73 701.57 553.50 497.65 462.61 435.28 396.92 374.34 346.10 313.74 346.28 417.36 394.56 456.37 430.54

430.54

Page 60 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2006

15/06/2009

DATE

15/09/2009

Textiles

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,158 901 1,644 1,336 1,655 1,069 861 729 522 337 299 363 271 348 250 502 490 282 304 121 13,442

1,158 2,059 3,703 5,039 6,694 7,763 8,624 9,353 9,875 10,212 10,511 10,874 11,145 11,493 11,743 12,245 12,735 13,017 13,321 13,442

BAND

8.61 6.70 12.2 9.94 12.3 7.95 6.41 5.42 3.88 2.51 2.22 2.70 2.02 2.59 1.86 3.73 3.65 2.10 2.26 0.90

CUM.

8.61 15.32 27.55 37.49 49.80 57.75 64.16 69.58 73.46 75.97 78.20 80.90 82.91 85.50 87.36 91.10 94.74 96.84 99.10 100.0

PERCENTAGE rp

2,766.25 370.63 1,012.23 1,245.48 2,275.08 2,041.22 2,159.84 2,425.71 2,122.94 1,538.87 1,515.34 2,316.10 1,784.40 2,976.49 2,595.30 6,979.57 9,412.83 5,926.16 6,984.94 2,817.26 61,266.66

BAND

CUM.

2,766.25 4.52 4.52 3,136.89 0.60 5.12 4,149.11 1.65 6.77 5,394.60 2.03 8.81 7,669.67 3.71 12.52 9,710.89 3.33 15.85 11,870.74 3.53 19.38 14,296.44 3.96 23.33 16,419.38 3.47 26.80 17,958.25 2.51 29.31 19,473.59 2.47 31.78 21,789.69 3.78 35.57 23,574.09 2.91 38.48 26,550.58 4.86 43.34 29,145.88 4.24 47.57 36,125.45 11.39 58.96 45,538.29 15.36 74.33 51,464.45 9.67 84.00 58,449.39 11.40 95.40 61,266.66 4.60 100.00

PERCENTAGE f

40 1 10 6 5 3 15 10 9 4 10 18 11 30 22 47 94 81 49 19 484

40 41 51 57 62 65 80 90 99 103 113 131 142 172 194 241 335 416 465 484

BAND

CUM.

8.26 0.21 2.07 1.24 1.03 0.62 3.10 2.07 1.86 0.83 2.07 3.72 2.27 6.20 4.55 9.71 19.42 16.74 10.12 3.93

8.26 8.47 10.54 11.78 12.81 13.43 16.53 18.60 20.45 21.28 23.35 27.07 29.34 35.54 40.08 49.79 69.21 85.95 96.07 100.00

PERCENTAGE rp

142,013.72 69.31 816.64 567.52 5,593.79 367.55 1,208.65 2,079.65 6,964.70 904.98 1,744.20 57,492.54 4,017.51 21,700.36 5,423.99 12,804.42 41,379.51 24,639.57 49,615.95 172,030.48 551,435.02

142,013.72 142,083.02 142,899.66 143,467.18 149,060.97 149,428.52 150,637.17 152,716.81 159,681.52 160,586.50 162,330.69 219,823.23 223,840.74 245,541.10 250,965.10 263,769.52 305,149.03 329,788.60 379,404.54 551,435.02

PERCENTAGE

BAND

CUM.

BAND

CUM

25.75 0.01 0.15 0.10 1.01 0.07 0.22 0.38 1.26 0.16 0.32 10.43 0.73 3.94 0.98 2.32 7.50 4.47 9.00 31.20

25.75 5133.79 5133.79 25.77 18.70 4529.43 25.91 80.68 3444.10 26.02 45.57 2659.46 27.03 245.87 1943.51 27.10 18.01 1538.77 27.32 55.96 1268.98 27.69 85.73 1068.22 28.96 328.07 972.52 29.12 58.81 894.22 29.44 115.10 833.59 39.86 2482.30 1008.84 40.59 225.15 949.52 44.53 729.06 924.81 45.51 208.99 861.07 47.83 183.46 730.15 55.34 439.61 670.09 59.81 415.78 640.81 68.80 710.33 649.12 100.00 6106.30 900.06 900.06

Page 61 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2006

15/06/2009

DATE

15/09/2009

Paper, Leather, Rubber

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

823 612 898 671 969 677 541 615 453 303 251 321 248 361 252 457 370 203 196 38 9,259

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

BAND

CUM.

8.89 8.89 6.61 15.50 9.70 25.20 7.25 32.44 10.47 42.91 7.31 50.22 5.84 56.06 6.64 62.71 4.89 67.60 3.27 70.87 2.71 73.58 3.47 77.05 2.68 79.73 3.90 83.63 2.72 86.35 4.94 91.28 4.00 95.28 2.19 97.47 2.12 99.59 0.41 100.00

PERCENTAGE rp

3,001.18 206.79 582.52 676.11 1,516.24 1,425.77 1,514.21 2,298.02 2,106.65 1,679.58 1,642.11 2,806.00 2,289.90 3,913.08 3,446.19 8,688.57 8,961.48 3,921.23 6,080.02 641.20 57,396.85

3,001.18 3,207.97 3,790.49 4,466.60 5,982.83 7,408.61 8,922.82 11,220.84 13,327.49 15,007.08 16,649.19 19,455.19 21,745.09 25,658.17 29,104.35 37,792.92 46,754.40 50,675.63 56,755.65 57,396.85

BAND

5.23 0.36 1.01 1.18 2.64 2.48 2.64 4.00 3.67 2.93 2.86 4.89 3.99 6.82 6.00 15.14 15.61 6.83 10.59 1.12

CUM.

5.23 5.59 6.60 7.78 10.42 12.91 15.55 19.55 23.22 26.15 29.01 33.90 37.89 44.70 50.71 65.84 81.46 88.29 98.88 100.00

PERCENTAGE f

30 5 2 4 24 15 5 5 6 7 13 15 11 24 16 31 36 30 16 12 307

BAND

CUM.

30 35 37 41 65 80 85 90 96 103 116 131 142 166 182 213 249 279 295 307

9.77 9.77 1.63 11.40 0.65 12.05 1.30 13.36 7.82 21.17 4.89 26.06 1.63 27.69 1.63 29.32 1.95 31.27 2.28 33.55 4.23 37.79 4.89 42.67 3.58 46.25 7.82 54.07 5.21 59.28 10.10 69.38 11.73 81.11 9.77 90.88 5.21 96.09 3.91 100.00

PERCENTAGE rp

7,664.54 121.82 8.97 1,476.60 4,932.71 830.19 787.27 1,182.42 2,145.22 1,177.19 16,834.07 8,342.26 1,834.74 6,136.16 5,499.38 17,788.02 70,181.64 26,024.78 3,314.10 19,849.41 196,131.47

7,664.54 7,786.37 7,795.33 9,271.94 14,204.65 15,034.83 15,822.10 17,004.52 19,149.74 20,326.93 37,160.99 45,503.25 47,337.99 53,474.15 58,973.53 76,761.54 146,943.18 172,967.96 176,282.06 196,131.47

BAND

3.91 0.06 0.00 0.75 2.52 0.42 0.40 0.60 1.09 0.60 8.58 4.25 0.94 3.13 2.80 9.07 35.78 13.27 1.69 10.12

CUM.

3.91 3.97 3.97 4.73 7.24 7.67 8.07 8.67 9.76 10.36 18.95 23.20 24.14 27.26 30.07 39.14 74.92 88.19 89.88 100.00

PERCENTAGE BAND

255.38 58.91 1.54 218.40 325.33 58.23 51.99 51.45 101.83 70.09 1025.15 297.30 80.12 156.81 159.58 204.73 783.15 663.69 54.51 3095.66

CUM

255.38 242.72 205.65 207.58 237.42 202.94 177.32 151.54 143.69 135.45 223.20 233.89 217.70 208.41 202.63 203.11 314.29 341.32 310.60 341.71

341.71

Page 62 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 26

DATA POSITION FROM PROCESSING

01/01/2006

15/06/2009

DATE

15/09/2009

Wood, Bamboo and Rattan

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

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

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

BAND

CUM.

13.61 13.61 9.57 23.18 10.08 33.25 6.86 40.12 8.60 48.72 5.72 54.44 5.06 59.50 6.11 65.61 3.79 69.41 2.67 72.08 2.66 74.74 3.81 78.55 2.53 81.08 3.87 84.95 2.64 87.59 4.11 91.70 4.03 95.73 2.11 97.84 1.92 99.76 0.24 100.00

PERCENTAGE rp

2,530.09 577.06 1,053.32 1,002.06 1,803.74 1,820.59 1,881.83 3,117.37 2,488.14 2,015.96 2,552.59 3,643.66 3,365.94 7,524.95 4,693.21 10,680.54 11,218.57 5,894.75 7,856.93 593.62 76,314.93

2,530.09 3,107.14 4,160.46 5,162.52 6,966.27 8,786.86 10,668.69 13,786.06 16,274.20 18,290.16 20,842.75 24,486.41 27,852.35 35,377.30 40,070.51 50,751.05 61,969.62 67,864.37 75,721.30 76,314.93

BAND

3.32 0.76 1.38 1.31 2.36 2.39 2.47 4.08 3.26 2.64 3.34 4.77 4.41 9.86 6.15 14.00 14.70 7.72 10.30 0.78

CUM.

3.32 4.07 5.45 6.76 9.13 11.51 13.98 18.06 21.33 23.97 27.31 32.09 36.50 46.36 52.51 66.50 81.20 88.93 99.22 100.00

PERCENTAGE f

20 3 5 2 4 3 7 9 9 9 5 21 13 7 7 23 29 16 21 3 216

BAND

CUM.

20 9.26 9.26 23 1.39 10.65 28 2.31 12.96 30 0.93 13.89 34 1.85 15.74 37 1.39 17.13 44 3.24 20.37 53 4.17 24.54 62 4.17 28.70 71 4.17 32.87 76 2.31 35.19 97 9.72 44.91 110 6.02 50.93 117 3.24 54.17 124 3.24 57.41 147 10.65 68.06 176 13.43 81.48 192 7.41 88.89 213 9.72 98.61 216 1.39 100.00

PERCENTAGE rp

19,458.86 70.85 262.67 40.88 342.12 653.71 1,164.83 1,771.59 2,462.18 1,164.98 545.56 10,097.74 1,030.55 4,169.14 14,649.38 9,863.49 74,668.76 36,946.41 29,014.75 44.56 208,423.01

19,458.86 19,529.71 19,792.38 19,833.26 20,175.38 20,829.09 21,993.91 23,765.51 26,227.69 27,392.67 27,938.23 38,035.97 39,066.52 43,235.66 57,885.04 67,748.53 142,417.29 179,363.70 208,378.45 208,423.01

BAND

CUM.

9.34 9.34 0.03 9.37 0.13 9.50 0.02 9.52 0.16 9.68 0.31 9.99 0.56 10.55 0.85 11.40 1.18 12.58 0.56 13.14 0.26 13.40 4.84 18.25 0.49 18.74 2.00 20.74 7.03 27.77 4.73 32.51 35.83 68.33 17.73 86.06 13.92 99.98 0.02 100.00

PERCENTAGE BAND

CUM

769.10 12.28 24.94 4.08 18.97 35.91 61.90 56.83 98.96 57.79 21.37 277.13 30.62 55.40 312.14 92.35 665.58 626.77 369.29 7.51

769.10 628.54 475.73 384.18 289.62 237.05 206.15 172.39 161.16 149.77 134.04 155.34 140.26 122.21 144.46 133.49 229.82 264.30 275.19 273.11

273.11

Page 63 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

Nutritional, Drinks and Tobacco

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

3,606 1,978 2,237 1,450 1,675 1,057 863 979 713 422 410 595 427 658 433 816 843 412 278 100 19,952

3,606 5,584 7,821 9,271 10,946 12,003 12,866 13,845 14,558 14,980 15,390 15,985 16,412 17,070 17,503 18,319 19,162 19,574 19,852 19,952

BAND

CUM.

18.07 18.07 9.91 27.99 11.21 39.20 7.27 46.47 8.40 54.86 5.30 60.16 4.33 64.48 4.91 69.39 3.57 72.97 2.12 75.08 2.05 77.14 2.98 80.12 2.14 82.26 3.30 85.56 2.17 87.73 4.09 91.82 4.23 96.04 2.06 98.11 1.39 99.50 0.50 100.00

PERCENTAGE rp

4,921.81 545.95 952.97 945.99 1,440.81 612.24 1,489.94 2,256.80 2,173.45 1,364.20 1,734.68 3,634.26 2,447.89 4,274.86 3,784.96 9,283.14 13,449.46 6,765.67 5,100.48 1,323.49 68,503.04

4,921.81 5,467.76 6,420.72 7,366.71 8,807.52 9,419.76 10,909.70 13,166.50 15,339.95 16,704.15 18,438.83 22,073.09 24,520.98 28,795.84 32,580.80 41,863.93 55,313.40 62,079.07 67,179.55 68,503.04

BAND

7.18 0.80 1.39 1.38 2.10 0.89 2.17 3.29 3.17 1.99 2.53 5.31 3.57 6.24 5.53 13.55 19.63 9.88 7.45 1.93

CUM.

7.18 7.98 9.37 10.75 12.86 13.75 15.93 19.22 22.39 24.38 26.92 32.22 35.80 42.04 47.56 61.11 80.75 90.62 98.07 100.00

PERCENTAGE f

51 5 9 9 6 8 13 57 5 9 1 45 7 27 12 29 47 36 33 19 428

BAND

CUM.

51 56 65 74 80 88 101 158 163 172 173 218 225 252 264 293 340 376 409 428

11.92 11.92 1.17 13.08 2.10 15.19 2.10 17.29 1.40 18.69 1.87 20.56 3.04 23.60 13.32 36.92 1.17 38.08 2.10 40.19 0.23 40.42 10.51 50.93 1.64 52.57 6.31 58.88 2.80 61.68 6.78 68.46 10.98 79.44 8.41 87.85 7.71 95.56 4.44 100.00

PERCENTAGE rp

13,861.77 50.25 211.40 290.51 247.70 34,323.56 1,287.59 5,334.77 61.84 7,266.64 458.98 1,019.64 3,682.95 11,859.65 10,666.72 4,333.11 20,158.75 19,998.96 15,657.15 4,459.08 155,231.02

13,861.77 13,912.02 14,123.43 14,413.94 14,661.64 48,985.19 50,272.78 55,607.55 55,669.39 62,936.03 63,395.00 64,414.64 68,097.59 79,957.24 90,623.96 94,957.07 115,115.82 135,114.78 150,771.93 155,231.02

BAND

8.93 0.03 0.14 0.19 0.16 22.11 0.83 3.44 0.04 4.68 0.30 0.66 2.37 7.64 6.87 2.79 12.99 12.88 10.09 2.87

CUM.

PERCENTAGE BAND

8.93 281.64 8.96 9.20 9.10 22.18 9.29 30.71 9.45 17.19 31.56 5606.25 32.39 86.42 35.82 236.39 35.86 2.85 40.54 532.67 40.84 26.46 41.50 28.06 43.87 150.45 51.51 277.43 58.38 281.82 61.17 46.68 74.16 149.89 87.04 295.59 97.13 306.97 100.00 336.92

CUM

281.64 254.44 219.97 195.66 166.47 520.03 460.81 422.34 362.90 376.77 343.81 291.82 277.71 277.67 278.15 226.82 208.12 217.65 224.43 226.60

226.60

Page 64 0f 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 28

DATA POSITION FROM PROCESSING

01/01/2006

15/06/2009

DATE

15/09/2009

Power and Heating

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

54 15 13 11 23 5 17 21 5 21 21 19 11 49 17 43 65 19 64 95 588

BAND

54 9.18 69 2.55 82 2.21 93 1.87 116 3.91 121 0.85 138 2.89 159 3.57 164 0.85 185 3.57 206 3.57 225 3.23 236 1.87 285 8.33 302 2.89 345 7.31 410 11.05 429 3.23 493 10.88 588 16.16

CUM.

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

PERCENTAGE rp

424.20 3.85 7.74 4.42 18.13 9.08 14.55 51.21 4.73 20.18 12.14 43.88 22.51 246.10 131.22 41,186.96 892.03 375.09 2,423.89 90,268.35 136,160.27

424.20 428.05 435.79 440.21 458.34 467.42 481.97 533.18 537.91 558.09 570.23 614.11 636.62 882.73 1,013.95 42,200.91 43,092.94 43,468.03 45,891.92 136,160.27

BAND

0.31 0.00 0.01 0.00 0.01 0.01 0.01 0.04 0.00 0.01 0.01 0.03 0.02 0.18 0.10 30.25 0.66 0.28 1.78 66.30

CUM.

0.31 0.31 0.32 0.32 0.34 0.34 0.35 0.39 0.40 0.41 0.42 0.45 0.47 0.65 0.74 30.99 31.65 31.92 33.70 100.00

PERCENTAGE f

5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 5 6 17

BAND

CUM.

5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 6 6 11 17

29.41 29.41 0.00 29.41 0.00 29.41 0.00 29.41 0.00 29.41 0.00 29.41 0.00 29.41 0.00 29.41 0.00 29.41 0.00 29.41 0.00 29.41 0.00 29.41 0.00 29.41 0.00 29.41 0.00 29.41 0.00 29.41 5.88 35.29 0.00 35.29 29.41 64.71 35.29 100.00

PERCENTAGE rp

BAND

9,708.70 9,708.70 6.10 0.00 9,708.70 0.00 0.00 9,708.70 0.00 0.00 9,708.70 0.00 0.00 9,708.70 0.00 0.00 9,708.70 0.00 0.00 9,708.70 0.00 0.00 9,708.70 0.00 0.00 9,708.70 0.00 0.00 9,708.70 0.00 0.00 9,708.70 0.00 0.00 9,708.70 0.00 0.00 9,708.70 0.00 0.00 9,708.70 0.00 0.00 9,708.70 0.00 0.00 9,708.70 0.00 8.61 9,717.32 0.01 0.00 9,717.32 0.00 37,773.54 47,490.86 23.72 111,730.22 159,221.08 70.17 159,221.08

CUM.

6.10 6.10 6.10 6.10 6.10 6.10 6.10 6.10 6.10 6.10 6.10 6.10 6.10 6.10 6.10 6.10 6.10 6.10 29.83 100.00

PERCENTAGE BAND

2288.70 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 0.97 0.00 1558.38 123.78

CUM

2288.70 2268.12 2227.83 2205.46 2118.24 2077.09 2014.39 1820.91 1804.91 1739.64 1702.59 1580.94 1525.03 1099.86 957.52 23.01 22.55 22.36 103.48 116.94

116.94

Page 65 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 29

01/01/2006

15/06/2009

DATE

15/09/2009

DATA POSITION FROM

PROCESSING

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

0 50 25 50 100 75 100 200 150 200 300 250 300 500 400 500 750 625 750 1,000 875 1,000 1,500 1,250 1,500 2,000 1,750 2,000 2,500 2,250 2,500 3,000 2,750 3,000 4,000 3,500 4,000 5,000 4,500 5,000 7,500 6,250 7,500 10,000 8,750 10,000 20,000 15,000 20,000 50,000 35,000 50,000 100,000 75,000 100,000 500,000 300,000 500,000 Up TOTAL

PERCENTAGE f

149,074 137,437 159,833 94,568 101,096 49,044 34,731 25,916 13,940 7,361 5,536 6,444 3,953 4,713 2,872 3,789 2,683 1,120 1,265 323 805,698

149,074 286,511 446,344 540,912 642,008 691,052 725,783 751,699 765,639 773,000 778,536 784,980 788,933 793,646 796,518 800,307 802,990 804,110 805,375 805,698

BAND

CUM.

18.50 17.06 19.84 11.74 12.55 6.09 4.31 3.22 1.73 0.91 0.69 0.80 0.49 0.58 0.36 0.47 0.33 0.14 0.16 0.04

18.50 35.56 55.40 67.14 79.68 85.77 90.08 93.30 95.03 95.94 96.63 97.43 97.92 98.50 98.86 99.33 99.66 99.80 99.96 100.0

PERCENTAGE rp

41,864.90 30,106.69 61,113.04 56,236.70 93,804.48 66,372.98 64,116.73 62,414.15 44,003.53 26,162.94 25,049.17 34,381.56 27,270.41 40,996.52 31,430.12 57,393.13 37,955.31 22,548.69 38,399.06 142,517.72 1,004,137.84

41,864.90 71,971.59 133,084.63 189,321.33 283,125.82 349,498.80 413,615.53 476,029.69 520,033.22 546,196.15 571,245.32 605,626.88 632,897.29 673,893.81 705,323.93 762,717.06 800,672.37 823,221.06 861,620.12 1,004,137.84

BAND

CUM.

4.17 4.17 3.00 7.17 6.09 13.25 5.60 18.85 9.34 28.20 6.61 34.81 6.39 41.19 6.22 47.41 4.38 51.79 2.61 54.39 2.49 56.89 3.42 60.31 2.72 63.03 4.08 67.11 3.13 70.24 5.72 75.96 3.78 79.74 2.25 81.98 3.82 85.81 14.19 100.00

PERCENTAGE f

528 281 446 438 618 386 302 279 165 135 82 112 111 145 95 274 192 174 387 281 5,431

528 809 1,255 1,693 2,311 2,697 2,999 3,278 3,443 3,578 3,660 3,772 3,883 4,028 4,123 4,397 4,589 4,763 5,150 5,431

BAND

CUM.

9.72 9.72 5.17 14.90 8.21 23.11 8.06 31.17 11.3 42.55 7.11 49.66 5.56 55.22 5.14 60.36 3.04 63.40 2.49 65.88 1.51 67.39 2.06 69.45 2.04 71.50 2.67 74.17 1.75 75.92 5.05 80.96 3.54 84.50 3.20 87.70 7.13 94.83 5.17 100.00

PERCENTAGE rp

81,877.30 15,924.92 21,110.92 33,579.33 41,923.83 31,485.46 41,913.40 28,851.87 41,037.32 11,992.37 20,521.28 24,080.80 21,250.52 44,987.75 32,560.23 76,959.43 99,759.14 97,858.82 142,148.18 202,541.72 1,112,364.58

81,877.30 97,802.22 118,913.14 152,492.47 194,416.30 225,901.76 267,815.16 296,667.03 337,704.35 349,696.71 370,217.99 394,298.79 415,549.31 460,537.06 493,097.29 570,056.72 669,815.86 767,674.68 909,822.86 1,112,364.58

BAND

CUM.

7.36 7.36 1.43 8.79 1.90 10.69 3.02 13.71 3.77 17.48 2.83 20.31 3.77 24.08 2.59 26.67 3.69 30.36 1.08 31.44 1.84 33.28 2.16 35.45 1.91 37.36 4.04 41.40 2.93 44.33 6.92 51.25 8.97 60.22 8.80 69.01 12.78 81.79 18.21 100.00

PERCENTAGE BAND

195.58 52.89 34.54 59.71 44.69 47.44 65.37 46.23 93.26 45.84 81.92 70.04 77.93 109.74 103.60 134.09 262.83 433.99 370.19 142.12

CUM

195.58 135.89 89.35 80.55 68.67 64.64 64.75 62.32 64.94 64.02 64.81 65.11 65.66 68.34 69.91 74.74 83.66 93.25 105.59 110.78

110.78

Page 66 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2006

15/06/2009

DATE

15/09/2009

Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

9 9 10 9 10 13 10 7 4 7 5 4 3 8 3 5 11 2 2 0 131

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

BAND

CUM.

6.87 6.87 6.87 13.74 7.63 21.37 6.87 28.24 7.63 35.88 9.92 45.80 7.63 53.44 5.34 58.78 3.05 61.83 5.34 67.18 3.82 70.99 3.05 74.05 2.29 76.34 6.11 82.44 2.29 84.73 3.82 88.55 8.40 96.95 1.53 98.47 1.53 100.00 0.00 100.00

PERCENTAGE rp

8.26 15.85 9.96 5.09 17.54 42.88 43.61 54.18 37.14 89.88 118.22 132.80 38.70 253.32 64.22 195.37 817.01 379.16 0.00 0.00 2,323.18

8.26 24.11 34.07 39.15 56.69 99.57 143.18 197.37 234.51 324.39 442.60 575.40 614.10 867.43 931.65 1,127.01 1,944.03 2,323.18 2,323.18 2,323.18

BAND

0.36 0.68 0.43 0.22 0.76 1.85 1.88 2.33 1.60 3.87 5.09 5.72 1.67 10.90 2.76 8.41 35.17 16.32 0.00 0.00

CUM.

0.36 1.04 1.47 1.69 2.44 4.29 6.16 8.50 10.09 13.96 19.05 24.77 26.43 37.34 40.10 48.51 83.68 100.00 100.00 100.00

PERCENTAGE f

2 1 1 0 0 0 1 2 0 8 6 0 0 0 0 0 2 1 0 0 24

2 3 4 4 4 4 5 7 7 15 21 21 21 21 21 21 23 24 24 24

BAND

CUM.

8.33 8.33 4.17 12.50 4.17 16.67 0.00 16.67 0.00 16.67 0.00 16.67 4.17 20.83 8.33 29.17 0.00 29.17 33.33 62.50 25.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 8.33 95.83 4.17 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

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

59.30 79.64 95.63 95.63 95.63 95.63 101.21 414.76 414.76 529.60 581.83 581.83 581.83 581.83 581.83 581.83 981.49 1,011.49 1,011.49 1,011.49

BAND

CUM.

5.86 5.86 2.01 7.87 1.58 9.45 0.00 9.45 0.00 9.45 0.00 9.45 0.55 10.01 31.00 41.01 0.00 41.01 11.35 52.36 5.16 57.52 0.00 57.52 0.00 57.52 0.00 57.52 0.00 57.52 0.00 57.52 39.51 97.03 2.97 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

CUM

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

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

43.54

Page 67 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 31

DATA POSITION FROM

01/01/2006

15/06/2009

DATE

15/09/2009

PROCESSING

Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

40 12 17 19 24 22 15 40 14 9 10 24 6 19 19 30 114 44 50 9 537

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

BAND

CUM.

7.45 7.45 2.23 9.68 3.17 12.85 3.54 16.39 4.47 20.86 4.10 24.95 2.79 27.75 7.45 35.20 2.61 37.80 1.68 39.48 1.86 41.34 4.47 45.81 1.12 46.93 3.54 50.47 3.54 54.00 5.59 59.59 21.23 80.82 8.19 89.01 9.31 98.32 1.68 100.00

PERCENTAGE rp

547.21 46.08 7.57 12.83 25.39 85.93 32.06 118.93 84.05 38.27 129.80 156.27 87.30 1,350.63 206.56 1,221.93 3,606.95 2,499.74 8,104.57 1,335.41 19,697.49

547.21 593.29 600.86 613.69 639.08 725.00 757.06 876.00 960.05 998.32 1,128.13 1,284.40 1,371.70 2,722.33 2,928.88 4,150.81 7,757.76 10,257.51 18,362.08 19,697.49

BAND

2.78 0.23 0.04 0.07 0.13 0.44 0.16 0.60 0.43 0.19 0.66 0.79 0.44 6.86 1.05 6.20 18.31 12.69 41.15 6.78

CUM.

2.78 3.01 3.05 3.12 3.24 3.68 3.84 4.45 4.87 5.07 5.73 6.52 6.96 13.82 14.87 21.07 39.38 52.08 93.22 100.00

PERCENTAGE f

32 0 0 0 0 0 0 2 1 0 0 0 0 25 2 3 11 1 1 0 78

BAND

32 41.03 32 0.00 32 0.00 32 0.00 32 0.00 32 0.00 32 0.00 34 2.56 35 1.28 35 0.00 35 0.00 35 0.00 35 0.00 60 32.05 62 2.56 65 3.85 76 14.10 77 1.28 78 1.28 78 0.00

CUM.

41.03 41.03 41.03 41.03 41.03 41.03 41.03 43.59 44.87 44.87 44.87 44.87 44.87 76.92 79.49 83.33 97.44 98.72 100.00 100.00

PERCENTAGE rp

541.77 0.00 0.00 0.00 0.00 0.00 0.00 216.11 20.26 0.00 0.00 0.00 0.00 597.60 381.29 10.52 477.89 464.44 23.53 0.00 2,733.41

541.77 541.77 541.77 541.77 541.77 541.77 541.77 757.88 778.14 778.14 778.14 778.14 778.14 1,375.74 1,757.03 1,767.55 2,245.44 2,709.88 2,733.41 2,733.41

BAND

19.82 0.00 0.00 0.00 0.00 0.00 0.00 7.91 0.74 0.00 0.00 0.00 0.00 21.86 13.95 0.38 17.48 16.99 0.86 0.00

PERCENTAGE

CUM.

BAND

19.82 19.82 19.82 19.82 19.82 19.82 19.82 27.73 28.47 28.47 28.47 28.47 28.47 50.33 64.28 64.66 82.15 99.14 100.00 100.00

99.01 0.00 0.00 0.00 0.00 0.00 0.00 181.71 24.10 0.00 0.00 0.00 0.00 44.25 184.59 0.86 13.25 18.58 0.29 0.00

CUM

99.01 91.32 90.17 88.28 84.77 74.73 71.56 86.52 81.05 77.94 68.98 60.58 56.73 50.54 59.99 42.58 28.94 26.42 14.89 13.88

13.88

Page 68 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 32

DATA POSITION FROM

01/01/2006

15/06/2009

DATE

15/09/2009

PROCESSING

Recreation Place

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

4 3 7 3 4 3 4 7 5 2 2 7 8 9 7 10 22 12 2 0 121

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

BAND

CUM.

3.31 3.31 2.48 5.79 5.79 11.57 2.48 14.05 3.31 17.36 2.48 19.83 3.31 23.14 5.79 28.93 4.13 33.06 1.65 34.71 1.65 36.36 5.79 42.15 6.61 48.76 7.44 56.20 5.79 61.98 8.26 70.25 18.18 88.43 9.92 98.35 1.65 100.00 0.00 100.00

PERCENTAGE rp

1.47 7.80 13.64 1.03 3.74 4.66 8.85 13.51 10.39 6.79 4.38 58.37 80.13 89.66 257.80 321.33 776.55 647.73 255.29 0.00 2,563.12

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

BAND

0.06 0.30 0.53 0.04 0.15 0.18 0.35 0.53 0.41 0.26 0.17 2.28 3.13 3.50 10.06 12.54 30.30 25.27 9.96 0.00

CUM.

0.06 0.36 0.89 0.93 1.08 1.26 1.61 2.13 2.54 2.80 2.98 5.25 8.38 11.88 21.93 34.47 64.77 90.04 100.00 100.00

PERCENTAGE f

0 0 1 0 0 0 0 0 1 0 0 0 2 1 1 0 5 0 0 0 11

BAND

0 0 1 1 1 1 1 1 2 2 2 2 4 5 6 6 11 11 11 11

0.00 0.00 9.09 0.00 0.00 0.00 0.00 0.00 9.09 0.00 0.00 0.00 18.18 9.09 9.09 0.00 45.45 0.00 0.00 0.00

CUM.

0.00 0.00 9.09 9.09 9.09 9.09 9.09 9.09 18.18 18.18 18.18 18.18 36.36 45.45 54.55 54.55 100.00 100.00 100.00 100.00

PERCENTAGE rp

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

0.00 0.00 14.62 14.62 14.62 14.62 14.62 14.62 30.41 30.41 30.41 30.41 104.18 157.89 160.53 160.53 329.04 329.04 329.04 329.04

BAND

0.00 0.00 4.44 0.00 0.00 0.00 0.00 0.00 4.80 0.00 0.00 0.00 22.42 16.32 0.80 0.00 51.21 0.00 0.00 0.00

PERCENTAGE

CUM.

BAND

0.00 0.00 4.44 4.44 4.44 4.44 4.44 4.44 9.24 9.24 9.24 9.24 31.66 47.98 48.79 48.79 100.00 100.00 100.00 100.00

0.00 0.00 107.14 0.00 0.00 0.00 0.00 0.00 151.96 0.00 0.00 0.00 92.07 59.90 1.03 0.00 21.70 0.00 0.00 0.00

CUM

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

12.84

Page 69 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 40

DATA POSITION FROM

01/01/2006

15/06/2009

DATE

15/09/2009

PROCESSING

Non Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

PERCENTAGE f

158 39 24 8 16 19 13 9 12 15 1 13 12 18 18 37 25 12 11 2

158 197 221 229 245 264 277 286 298 313 314 327 339 357 375 412 437 449 460 462

462

BAND

34.20 8.44 5.19 1.73 3.46 4.11 2.81 1.95 2.60 3.25 0.22 2.81 2.60 3.90 3.90 8.01 5.41 2.60 2.38 0.43

CUM.

34.20 42.64 47.84 49.57 53.03 57.14 59.96 61.90 64.50 67.75 67.97 70.78 73.38 77.27 81.17 89.18 94.59 97.19 99.57 100.00

PERCENTAGE rp

952.81 42.60 15.86 11.24 139.95 34.03 38.30 206.90 42.08 56.86 8.78 194.09 233.09 190.66 216.97 399.97 156.72 123.03 100.73 0.00 3,164.67

952.81 995.41 1,011.27 1,022.51 1,162.46 1,196.49 1,234.79 1,441.69 1,483.77 1,540.63 1,549.40 1,743.49 1,976.59 2,167.25 2,384.22 2,784.18 2,940.90 3,063.93 3,164.67 3,164.67

BAND

30.11 1.35 0.50 0.36 4.42 1.08 1.21 6.54 1.33 1.80 0.28 6.13 7.37 6.02 6.86 12.64 4.95 3.89 3.18 0.00

PERCENTAGE

CUM.

30.11 31.45 31.96 32.31 36.73 37.81 39.02 45.56 46.89 48.68 48.96 55.09 62.46 68.48 75.34 87.98 92.93 96.82 100.00 100.00

2 1 0 0 0 0 1 0 1 0 0 0 0 0 10 12 4 1 0 0 32

2 3 3 3 3 3 4 4 5 5 5 5 5 5 15 27 31 32 32 32

BAND

CUM.

PERCENTAGE rp

6.25 6.25 385.58 3.13 9.38 93.78 0.00 9.38 0.00 0.00 9.38 0.00 0.00 9.38 0.00 0.00 9.38 0.00 3.13 12.50 118.69 0.00 12.50 0.00 3.13 15.63 9.84 0.00 15.63 0.00 0.00 15.63 0.00 0.00 15.63 0.00 0.00 15.63 0.00 0.00 15.63 0.00 31.25 46.88 2,012.90 37.50 84.38 1,258.27 12.50 96.88 140.86 3.13 100.00 5,500.00 0.00 100.00 0.00 0.00 100.00 0.00 9,519.93

385.58 479.37 479.37 479.37 479.37 479.37 598.06 598.06 607.89 607.89 607.89 607.89 607.89 607.89 2,620.80 3,879.07 4,019.93 9,519.93 9,519.93 9,519.93

PERCENTAGE

BAND

CUM.

BAND

4.05 0.99 0.00 0.00 0.00 0.00 1.25 0.00 0.10 0.00 0.00 0.00 0.00 0.00 21.14 13.22 1.48 57.77 0.00 0.00

4.05 40.47 5.04 220.15 5.04 0.00 5.04 0.00 5.04 0.00 5.04 0.00 6.28 309.90 6.28 0.00 6.39 23.38 6.39 0.00 6.39 0.00 6.39 0.00 6.39 0.00 6.39 0.00 27.53 927.74 40.75 314.59 42.23 89.88 100.00 4470.48 100.00 0.00 100.00 0.00

CUM

40.47 48.16 47.40 46.88 41.24 40.06 48.43 41.48 40.97 39.46 39.23 34.87 30.75 28.05 109.92 139.33 136.69 310.71 300.82 300.82

300.82

Page 19 of 204

RISK AND LOSS PROFILE 2006 GROUP BY PROVINCE

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

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 01

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

NANGROE ACEH DARUSSALAM

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

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

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

BAND

CUM.

18.12 18.12 20.99 39.11 23.46 62.57 12.72 75.30 10.46 85.75 4.56 90.31 3.61 93.92 2.03 95.95 0.66 96.61 0.34 96.95 0.18 97.13 0.44 97.57 0.38 97.95 0.50 98.45 0.18 98.64 0.36 99.00 0.62 99.62 0.28 99.90 0.08 99.98 0.02 100.00

PERCENTAGE rp

211.77 411.26 833.40 703.59 887.60 518.78 542.78 302.13 100.63 105.47 101.91 159.95 228.90 333.80 72.25 576.60 625.66 420.17 202.15 327.58 7,666.41

211.77 623.03 1,456.43 2,160.03 3,047.63 3,566.41 4,109.20 4,411.33 4,511.96 4,617.43 4,719.35 4,879.29 5,108.19 5,441.99 5,514.24 6,090.84 6,716.50 7,136.67 7,338.82 7,666.41

BAND

2.76 5.36 10.87 9.18 11.58 6.77 7.08 3.94 1.31 1.38 1.33 2.09 2.99 4.35 0.94 7.52 8.16 5.48 2.64 4.27

CUM.

2.76 8.13 19.00 28.18 39.75 46.52 53.60 57.54 58.85 60.23 61.56 63.65 66.63 70.98 71.93 79.45 87.61 93.09 95.73 100.00

PERCENTAGE f

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

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

BAND

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

CUM.

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

PERCENTAGE rp

24.81 88.21 44.80 95.02 846.71 234.83 600.00 0.00 37.11 0.00 0.00 0.00 0.00 0.00 0.00 84.69 240.18 0.00 0.00 0.00 2,296.37

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

BAND

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

CUM.

1.08 4.92 6.87 11.01 47.88 58.11 84.24 84.24 85.85 85.85 85.85 85.85 85.85 85.85 85.85 89.54 100.00 100.00 100.00 100.00

PERCENTAGE BAND

11.72 21.45 5.38 13.51 95.39 45.27 110.54 0.00 36.88 0.00 0.00 0.00 0.00 0.00 0.00 14.69 38.39 0.00 0.00 0.00

CUM

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

29.95

Page 71 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 02

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

SUMATERA UTARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

8,568 8,872 13,166 7,800 7,299 2,931 2,087 1,359 774 404 367 464 250 369 204 306 357 118 67 46 55,808

8,568 17,440 30,606 38,406 45,705 48,636 50,723 52,082 52,856 53,260 53,627 54,091 54,341 54,710 54,914 55,220 55,577 55,695 55,762 55,808

BAND

CUM.

15.35 15.35 15.90 31.25 23.59 54.84 13.98 68.82 13.08 81.90 5.25 87.15 3.74 90.89 2.44 93.32 1.39 94.71 0.72 95.43 0.66 96.09 0.83 96.92 0.45 97.37 0.66 98.03 0.37 98.40 0.55 98.95 0.64 99.59 0.21 99.80 0.12 99.92 0.08 100.00

PERCENTAGE rp

3,006.87 1,876.34 4,572.31 4,645.77 6,763.37 4,465.46 4,385.11 3,613.11 3,125.12 1,337.74 2,503.63 3,200.45 2,079.99 4,535.28 2,314.77 6,314.80 8,887.56 2,220.32 1,243.66 525.39 71,617.06

3,006.87 4,883.21 9,455.52 14,101.29 20,864.66 25,330.12 29,715.24 33,328.35 36,453.47 37,791.21 40,294.84 43,495.29 45,575.28 50,110.56 52,425.33 58,740.13 67,627.69 69,848.01 71,091.67 71,617.06

BAND

CUM.

4.20 4.20 2.62 6.82 6.38 13.20 6.49 19.69 9.44 29.13 6.24 35.37 6.12 41.49 5.05 46.54 4.36 50.90 1.87 52.77 3.50 56.26 4.47 60.73 2.90 63.64 6.33 69.97 3.23 73.20 8.82 82.02 12.41 94.43 3.10 97.53 1.74 99.27 0.73 100.00

PERCENTAGE f

44 11 18 13 21 10 16 8 6 17 8 8 3 10 15 22 31 4 16 5 286

44 55 73 86 107 117 133 141 147 164 172 180 183 193 208 230 261 265 281 286

BAND

CUM.

15.38 15.38 3.85 19.23 6.29 25.52 4.55 30.07 7.34 37.41 3.50 40.91 5.59 46.50 2.80 49.30 2.10 51.40 5.94 57.34 2.80 60.14 2.80 62.94 1.05 63.99 3.50 67.48 5.24 72.73 7.69 80.42 10.84 91.26 1.40 92.66 5.59 98.25 1.75 100.00

PERCENTAGE rp

1,952.76 401.43 1,366.27 578.91 1,339.62 1,705.29 4,160.40 418.53 1,108.99 3,091.37 106.20 87.79 122.23 5,387.76 2,961.72 24,518.83 35,705.60 455.28 7,405.13 43,886.59 136,760.69

1,952.76 2,354.18 3,720.45 4,299.36 5,638.99 7,344.28 11,504.68 11,923.21 13,032.20 16,123.57 16,229.77 16,317.56 16,439.79 21,827.54 24,789.26 49,308.09 85,013.69 85,468.97 92,874.10 136,760.69

PERCENTAGE

BAND

CUM.

BAND

CUM

1.43 0.29 1.00 0.42 0.98 1.25 3.04 0.31 0.81 2.26 0.08 0.06 0.09 3.94 2.17 17.93 26.11 0.33 5.41 32.09

1.43 1.72 2.72 3.14 4.12 5.37 8.41 8.72 9.53 11.79 11.87 11.93 12.02 15.96 18.13 36.05 62.16 62.50 67.91 100.00

64.94 21.39 29.88 12.46 19.81 38.19 94.88 11.58 35.49 231.09 4.24 2.74 5.88 118.80 127.95 388.28 401.75 20.51 595.43 8353.21

64.94 48.21 39.35 30.49 27.03 28.99 38.72 35.77 35.75 42.66 40.28 37.52 36.07 43.56 47.28 83.94 125.71 122.36 130.64 190.96

190.96

Page 72 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 03

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

SUMATERA BARAT

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

3,036 3,933 4,310 2,260 2,092 804 667 431 222 145 108 119 61 91 56 104 53 41 15 10 18,558

3,036 6,969 11,279 13,539 15,631 16,435 17,102 17,533 17,755 17,900 18,008 18,127 18,188 18,279 18,335 18,439 18,492 18,533 18,548 18,558

BAND

CUM.

16.36 21.19 23.22 12.18 11.27 4.33 3.59 2.32 1.20 0.78 0.58 0.64 0.33 0.49 0.30 0.56 0.29 0.22 0.08 0.05

16.36 37.55 60.78 72.96 84.23 88.56 92.15 94.48 95.67 96.45 97.04 97.68 98.01 98.50 98.80 99.36 99.64 99.87 99.95 100.00

PERCENTAGE rp

476.12 743.15 1,339.11 1,237.51 2,084.94 1,257.57 1,438.98 1,194.72 714.71 538.02 382.36 786.66 506.39 568.40 405.58 1,366.67 1,475.77 1,269.40 956.68 108.40 18,851.13

BAND

476.12 2.53 1,219.27 3.94 2,558.38 7.10 3,795.89 6.56 5,880.83 11.06 7,138.40 6.67 8,577.38 7.63 9,772.10 6.34 10,486.81 3.79 11,024.83 2.85 11,407.19 2.03 12,193.85 4.17 12,700.24 2.69 13,268.63 3.02 13,674.22 2.15 15,040.88 7.25 16,516.65 7.83 17,786.05 6.73 18,742.73 5.07 18,851.13 0.58

PERCENTAGE

CUM.

2.53 6.47 13.57 20.14 31.20 37.87 45.50 51.84 55.63 58.48 60.51 64.68 67.37 70.39 72.54 79.79 87.62 94.35 99.42 100.00

4 13 7 13 11 6 13 12 2 5 3 5 2 10 8 4 4 2 0 1 125

BAND

4 3.20 17 10.40 24 5.60 37 10.40 48 8.80 54 4.80 67 10.40 79 9.60 81 1.60 86 4.00 89 2.40 94 4.00 96 1.60 106 8.00 114 6.40 118 3.20 122 3.20 124 1.60 124 0.00 125 0.80

CUM.

3.20 13.60 19.20 29.60 38.40 43.20 53.60 63.20 64.80 68.80 71.20 75.20 76.80 84.80 91.20 94.40 97.60 99.20 99.20 100.00

PERCENTAGE rp

247.43 289.57 283.87 756.97 255.89 851.51 3,115.78 1,305.20 488.84 219.12 305.90 3,704.28 3.68 960.49 368.81 275.12 408.54 1,521.14 0.00 24.35 15,386.4

BAND

247.43 1.61 537.00 1.88 820.87 1.84 1,577.84 4.92 1,833.73 1.66 2,685.24 5.53 5,801.01 20.25 7,106.21 8.48 7,595.05 3.18 7,814.17 1.42 8,120.07 1.99 11,824.35 24.07 11,828.03 0.02 12,788.51 6.24 13,157.32 2.40 13,432.44 1.79 13,840.98 2.66 15,362.12 9.89 15,362.12 0.00 15,386.47 0.16

PERCENTAGE

CUM.

BAND

1.61 3.49 5.34 10.25 11.92 17.45 37.70 46.18 49.36 50.79 52.77 76.85 76.87 83.12 85.51 87.30 89.96 99.84 99.84 100.00

51.97 38.96 21.20 61.17 12.27 67.71 216.53 109.25 68.40 40.73 80.00 470.89 0.73 168.98 90.93 20.13 27.68 119.83 0.00 22.47

CUM

51.97 44.04 32.09 41.57 31.18 37.62 67.63 72.72 72.42 70.88 71.18 96.97 93.13 96.38 96.22 89.31 83.80 86.37 81.96 81.62

81.62

Page 73 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 04

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

RIAU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

4,443 4,952 6,112 3,399 2,876 1,135 715 494 266 145 108 160 81 114 60 114 128 76 48 11 25,437

4,443 9,395 15,507 18,906 21,782 22,917 23,632 24,126 24,392 24,537 24,645 24,805 24,886 25,000 25,060 25,174 25,302 25,378 25,426 25,437

BAND

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

CUM.

17.47 36.93 60.96 74.32 85.63 90.09 92.90 94.85 95.89 96.46 96.89 97.52 97.83 98.28 98.52 98.97 99.47 99.77 99.96 100.00

PERCENTAGE rp

1,013.15 1,134.69 3,014.62 3,167.19 4,107.25 2,404.39 2,135.90 1,724.66 1,417.28 756.86 692.51 1,257.83 570.24 1,290.63 805.72 1,980.26 3,754.65 1,940.85 1,990.86 130.43 35,289.96

1,013.15 2,147.84 5,162.46 8,329.66 12,436.90 14,841.29 16,977.20 18,701.86 20,119.14 20,876.00 21,568.51 22,826.34 23,396.58 24,687.20 25,492.92 27,473.18 31,227.83 33,168.67 35,159.53 35,289.96

BAND

2.87 3.22 8.54 8.97 11.64 6.81 6.05 4.89 4.02 2.14 1.96 3.56 1.62 3.66 2.28 5.61 10.64 5.50 5.64 0.37

CUM.

2.87 6.09 14.63 23.60 35.24 42.06 48.11 52.99 57.01 59.16 61.12 64.68 66.30 69.96 72.24 77.85 88.49 93.99 99.63 100.00

PERCENTAGE f

18 8 7 3 6 6 2 2 0 1 1 0 0 1 0 4 7 4 8 0 78

18 26 33 36 42 48 50 52 52 53 54 54 54 55 55 59 66 70 78 78

BAND

CUM.

23.08 23.08 10.26 33.33 8.97 42.31 3.85 46.15 7.69 53.85 7.69 61.54 2.56 64.10 2.56 66.67 0.00 66.67 1.28 67.95 1.28 69.23 0.00 69.23 0.00 69.23 1.28 70.51 0.00 70.51 5.13 75.64 8.97 84.62 5.13 89.74 10.26 100.00 0.00 100.00

PERCENTAGE rp

1,288.19 382.53 261.10 744.48 1,576.75 1,258.17 1,239.76 21.54 0.00 84.79 3.00 0.00 0.00 3,019.23 0.00 247.48 631.58 111.25 4,980.23 0.00 15,850.07

1,288.19 1,670.72 1,931.82 2,676.30 4,253.05 5,511.22 6,750.98 6,772.53 6,772.53 6,857.31 6,860.31 6,860.31 6,860.31 9,879.54 9,879.54 10,127.02 10,758.60 10,869.84 15,850.07 15,850.07

BAND

CUM.

8.13 8.13 2.41 10.54 1.65 12.19 4.70 16.89 9.95 26.83 7.94 34.77 7.82 42.59 0.14 42.73 0.00 42.73 0.53 43.26 0.02 43.28 0.00 43.28 0.00 43.28 19.05 62.33 0.00 62.33 1.56 63.89 3.98 67.88 0.70 68.58 31.42 100.00 0.00 100.00

PERCENTAGE BAND

CUM

127.15 33.71 8.66 23.51 38.39 52.33 58.04 1.25 0.00 11.20 0.43 0.00 0.00 233.93 0.00 12.50 16.82 5.73 250.15 0.00

127.15 77.79 37.42 32.13 34.20 37.13 39.77 36.21 33.66 32.85 31.81 30.05 29.32 40.02 38.75 36.86 34.45 32.77 45.08 44.91

44.91

Page 74 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 05

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

JAMBI

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

2,236 2,310 2,505 1,110 950 400 264 225 94 49 38 40 19 31 18 37 33 18 19 1 10,397

2,236 4,546 7,051 8,161 9,111 9,511 9,775 10,000 10,094 10,143 10,181 10,221 10,240 10,271 10,289 10,326 10,359 10,377 10,396 10,397

BAND

21.51 22.22 24.09 10.68 9.14 3.85 2.54 2.16 0.90 0.47 0.37 0.38 0.18 0.30 0.17 0.36 0.32 0.17 0.18 0.01

CUM.

21.51 43.72 67.82 78.49 87.63 91.48 94.02 96.18 97.09 97.56 97.92 98.31 98.49 98.79 98.96 99.32 99.63 99.81 99.99 100.00

PERCENTAGE rp

499.53 629.93 1,370.43 994.89 1,439.62 788.60 735.49 859.19 408.78 284.38 199.71 267.30 164.72 392.13 287.04 1,143.38 913.66 862.62 505.50 47.10 12,794.00

499.53 1,129.46 2,499.90 3,494.79 4,934.41 5,723.00 6,458.49 7,317.68 7,726.46 8,010.84 8,210.55 8,477.84 8,642.57 9,034.70 9,321.74 10,465.12 11,378.78 12,241.40 12,746.90 12,794.00

BAND

CUM.

3.90 4.92 10.71 7.78 11.25 6.16 5.75 6.72 3.20 2.22 1.56 2.09 1.29 3.06 2.24 8.94 7.14 6.74 3.95 0.37

3.90 8.83 19.54 27.32 38.57 44.73 50.48 57.20 60.39 62.61 64.17 66.26 67.55 70.62 72.86 81.80 88.94 95.68 99.63 100.00

PERCENTAGE f

3 7 3 0 3 2 2 4 1 0 1 0 0 3 0 3 1 0 2 0 35

BAND

CUM.

3 8.57 8.57 10 20.00 28.57 13 8.57 37.14 13 0.00 37.14 16 8.57 45.71 18 5.71 51.43 20 5.71 57.14 24 11.43 68.57 25 2.86 71.43 25 0.00 71.43 26 2.86 74.29 26 0.00 74.29 26 0.00 74.29 29 8.57 82.86 29 0.00 82.86 32 8.57 91.43 33 2.86 94.29 33 0.00 94.29 35 5.71 100.00 35 0.00 100.00

PERCENTAGE rp

58.80 416.84 389.16 0.00 13.40 182.26 632.60 310.12 26.82 0.00 218.83 0.00 0.00 300.00 0.00 90.31 12.95 0.00 112.12 0.00 2,764.21

58.80 475.64 864.80 864.80 878.20 1,060.46 1,693.06 2,003.18 2,030.00 2,030.00 2,248.83 2,248.83 2,248.83 2,548.83 2,548.83 2,639.14 2,652.09 2,652.09 2,764.21 2,764.21

BAND

CUM.

2.13 2.13 15.08 17.21 14.08 31.29 0.00 31.29 0.48 31.77 6.59 38.36 22.89 61.25 11.22 72.47 0.97 73.44 0.00 73.44 7.92 81.36 0.00 81.36 0.00 81.36 10.85 92.21 0.00 92.21 3.27 95.48 0.47 95.94 0.00 95.94 4.06 100.00 0.00 100.00

PERCENTAGE BAND

11.77 66.17 28.40 0.00 0.93 23.11 86.01 36.09 6.56 0.00 109.58 0.00 0.00 76.50 0.00 7.90 1.42 0.00 22.18 0.00

CUM

11.77 42.11 34.59 24.75 17.80 18.53 26.21 27.37 26.27 25.34 27.39 26.53 26.02 28.21 27.34 25.22 23.31 21.66 21.69 21.61

21.61

Page 75 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 06

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

SUMATERA SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

3,662 3,753 4,821 2,690 2,489 1,016 749 567 287 119 104 127 69 109 87 101 90 65 44 13 20,962

3,662 7,415 12,236 14,926 17,415 18,431 19,180 19,747 20,034 20,153 20,257 20,384 20,453 20,562 20,649 20,750 20,840 20,905 20,949 20,962

BAND

CUM.

17.47 17.47 17.90 35.37 23.00 58.37 12.83 71.21 11.87 83.08 4.85 87.93 3.57 91.50 2.70 94.20 1.37 95.57 0.57 96.14 0.50 96.64 0.61 97.24 0.33 97.57 0.52 98.09 0.42 98.51 0.48 98.99 0.43 99.42 0.31 99.73 0.21 99.94 0.06 100.00

PERCENTAGE rp

1,571.08 693.98 1,992.50 1,914.06 2,881.28 1,536.11 1,832.38 1,583.71 1,178.77 535.38 623.06 679.96 574.08 1,173.21 1,099.00 1,798.40 1,883.22 2,080.89 4,850.49 195.69 30,677.27

1,571.08 2,265.06 4,257.56 6,171.62 9,052.90 10,589.01 12,421.39 14,005.11 15,183.88 15,719.26 16,342.32 17,022.28 17,596.36 18,769.57 19,868.57 21,666.97 23,550.19 25,631.08 30,481.57 30,677.27

BAND

CUM.

5.12 2.26 6.50 6.24 9.39 5.01 5.97 5.16 3.84 1.75 2.03 2.22 1.87 3.82 3.58 5.86 6.14 6.78 15.81 0.64

5.12 7.38 13.88 20.12 29.51 34.52 40.49 45.65 49.50 51.24 53.27 55.49 57.36 61.18 64.77 70.63 76.77 83.55 99.36 100.00

PERCENTAGE f

24 8 15 18 23 12 5 6 4 2 0 0 1 2 3 3 10 6 17 0 159

BAND

CUM.

24 32 47 65 88 100 105 111 115 117 117 117 118 120 123 126 136 142 159 159

15.09 15.09 5.03 20.13 9.43 29.56 11.32 40.88 14.47 55.35 7.55 62.89 3.14 66.04 3.77 69.81 2.52 72.33 1.26 73.58 0.00 73.58 0.00 73.58 0.63 74.21 1.26 75.47 1.89 77.36 1.89 79.25 6.29 85.53 3.77 89.31 10.69 100.00 0.00 100.00

PERCENTAGE rp

52,427.90 349.72 1,398.69 2,915.20 6,801.99 4,231.82 2,483.36 837.09 1,101.93 151.43 0.00 0.00 677.20 5,257.92 267.88 2,122.15 490.53 7,606.41 25,427.87 0.00 114,549.08

52,427.90 52,777.62 54,176.31 57,091.51 63,893.50 68,125.31 70,608.68 71,445.77 72,547.70 72,699.13 72,699.13 72,699.13 73,376.33 78,634.24 78,902.12 81,024.27 81,514.80 89,121.20 114,549.08 114,549.08

BAND

CUM.

PERCENTAGE BAND

CUM

45.77 45.77 3337.06 3337.06 0.31 46.07 50.39 2330.08 1.22 47.30 70.20 1272.47 2.54 49.84 152.30 925.07 5.94 55.78 236.08 705.78 3.69 59.47 275.49 643.36 2.17 61.64 135.53 568.44 0.73 62.37 52.86 510.14 0.96 63.33 93.48 477.79 0.13 63.47 28.28 462.48 0.00 63.47 0.00 444.85 0.00 63.47 0.00 427.08 0.59 64.06 117.96 417.00 4.59 68.65 448.17 418.95 0.23 68.88 24.37 397.12 1.85 70.73 118.00 373.95 0.43 71.16 26.05 346.13 6.64 77.80 365.54 347.71 22.20 100.00 524.23 375.80 0.00 100.00 0.00 373.40 373.40

Page 76 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 07

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

BENGKULU

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,673 1,297 1,102 437 392 136 66 43 27 16 16 15 10 17 7 9 15 5 1 1 5,285

1,673 2,970 4,072 4,509 4,901 5,037 5,103 5,146 5,173 5,189 5,205 5,220 5,230 5,247 5,254 5,263 5,278 5,283 5,284 5,285

BAND

CUM.

31.66 24.54 20.85 8.27 7.42 2.57 1.25 0.81 0.51 0.30 0.30 0.28 0.19 0.32 0.13 0.17 0.28 0.09 0.02 0.02

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

PERCENTAGE rp

373.17 324.37 622.69 437.25 601.35 296.57 163.18 151.39 100.20 61.84 50.03 241.64 125.07 199.45 73.20 363.56 482.23 46.24 49.09 0.03 4,762.55

373.17 697.55 1,320.23 1,757.48 2,358.83 2,655.40 2,818.58 2,969.97 3,070.16 3,132.00 3,182.03 3,423.68 3,548.75 3,748.20 3,821.40 4,184.96 4,667.19 4,713.42 4,762.52 4,762.55

BAND

7.84 6.81 13.07 9.18 12.63 6.23 3.43 3.18 2.10 1.30 1.05 5.07 2.63 4.19 1.54 7.63 10.13 0.97 1.03 0.00

CUM.

PERCENTAGE f

7.84 3 14.65 11 27.72 3 36.90 1 49.53 0 55.76 0 59.18 1 62.36 0 64.46 0 65.76 0 66.81 0 71.89 0 74.51 0 78.70 3 80.24 1 87.87 0 98.00 0 98.97 1 100.00 0 100.00 0 24

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

BAND

12.50 45.83 12.50 4.17 0.00 0.00 4.17 0.00 0.00 0.00 0.00 0.00 0.00 12.50 4.17 0.00 0.00 4.17 0.00 0.00

CUM.

12.50 58.33 70.83 75.00 75.00 75.00 79.17 79.17 79.17 79.17 79.17 79.17 79.17 91.67 95.83 95.83 95.83 100.00 100.00 100.00

PERCENTAGE rp

6,663.07 750.11 216.56 156.43 0.00 0.00 34.06 0.00 0.00 0.00 0.00 0.00 0.00 2,048.56 14.89 0.00 0.00 2,271.00 0.00 0.00 12,154.67

6,663.07 7,413.18 7,629.74 7,786.17 7,786.17 7,786.17 7,820.23 7,820.23 7,820.23 7,820.23 7,820.23 7,820.23 7,820.23 9,868.78 9,883.67 9,883.67 9,883.67 12,154.67 12,154.67 12,154.67

BAND

CUM.

54.82 54.82 6.17 60.99 1.78 62.77 1.29 64.06 0.00 64.06 0.00 64.06 0.28 64.34 0.00 64.34 0.00 64.34 0.00 64.34 0.00 64.34 0.00 64.34 0.00 64.34 16.85 81.19 0.12 81.32 0.00 81.32 0.00 81.32 18.68 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

CUM

1785.52 1785.52 231.25 1062.75 34.78 577.91 35.78 443.03 0.00 330.09 0.00 293.22 20.87 277.45 0.00 263.31 0.00 254.72 0.00 249.69 0.00 245.76 0.00 228.42 0.00 220.37 1027.10 263.29 20.33 258.64 0.00 236.17 0.00 211.77 4911.79 257.87 0.00 255.22 0.00 255.21 255.21

Page 77 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 08

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

LAMPUNG

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

2,749 3,179 3,252 1,669 1,735 716 529 449 246 165 119 124 107 147 86 149 145 36 47 8 15,657

2,749 5,928 9,180 10,849 12,584 13,300 13,829 14,278 14,524 14,689 14,808 14,932 15,039 15,186 15,272 15,421 15,566 15,602 15,649 15,657

BAND

CUM.

17.56 17.56 20.30 37.86 20.77 58.63 10.66 69.29 11.08 80.37 4.57 84.95 3.38 88.32 2.87 91.19 1.57 92.76 1.05 93.82 0.76 94.58 0.79 95.37 0.68 96.05 0.94 96.99 0.55 97.54 0.95 98.49 0.93 99.42 0.23 99.65 0.30 99.95 0.05 100.00

PERCENTAGE rp

687.75 543.65 1,179.77 986.38 1,789.56 1,080.61 1,086.61 1,217.38 844.26 677.65 512.21 608.94 758.69 1,447.73 1,154.34 2,832.25 3,273.56 911.17 889.40 44.66 22,526.56

687.75 1,231.39 2,411.16 3,397.54 5,187.10 6,267.71 7,354.32 8,571.70 9,415.96 10,093.61 10,605.82 11,214.76 11,973.46 13,421.19 14,575.52 17,407.78 20,681.33 21,592.50 22,481.91 22,526.56

BAND

3.05 2.41 5.24 4.38 7.94 4.80 4.82 5.40 3.75 3.01 2.27 2.70 3.37 6.43 5.12 12.57 14.53 4.04 3.95 0.20

PERCENTAGE

CUM.

3.05 5.47 10.70 15.08 23.03 27.82 32.65 38.05 41.80 44.81 47.08 49.78 53.15 59.58 64.70 77.28 91.81 95.85 99.80 100.00

11 1 0 4 4 1 5 5 2 1 1 1 0 8 2 7 10 3 0 0 66

BAND

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

16.67 1.52 0.00 6.06 6.06 1.52 7.58 7.58 3.03 1.52 1.52 1.52 0.00 12.12 3.03 10.61 15.15 4.55 0.00 0.00

CUM.

16.67 18.18 18.18 24.24 30.30 31.82 39.39 46.97 50.00 51.52 53.03 54.55 54.55 66.67 69.70 80.30 95.45 100.00 100.00 100.00

PERCENTAGE rp

1,678.68 7.19 0.00 112.00 347.29 210.90 107.91 188.76 4.24 6.50 458.98 269.05 0.00 371.36 3,082.30 543.22 11,305.06 255.56 0.00 0.00 18,949.01

1,678.68 1,685.87 1,685.87 1,797.87 2,145.17 2,356.07 2,463.98 2,652.74 2,656.98 2,663.48 3,122.45 3,391.51 3,391.51 3,762.86 6,845.16 7,388.38 18,693.45 18,949.01 18,949.01 18,949.01

BAND

8.86 0.04 0.00 0.59 1.83 1.11 0.57 1.00 0.02 0.03 2.42 1.42 0.00 1.96 16.27 2.87 59.66 1.35 0.00 0.00

PERCENTAGE

CUM.

BAND

CUM

8.86 8.90 8.90 9.49 11.32 12.43 13.00 14.00 14.02 14.06 16.48 17.90 17.90 19.86 36.12 38.99 98.65 100.00 100.00 100.00

244.08 1.32 0.00 11.35 19.41 19.52 9.93 15.51 0.50 0.96 89.61 44.18 0.00 25.65 267.02 19.18 345.34 28.05 0.00 0.00

244.08 136.91 69.92 52.92 41.36 37.59 33.50 30.95 28.22 26.39 29.44 30.24 28.33 28.04 46.96 42.44 90.39 87.76 84.29 84.12

84.12

Page 78 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 09

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

DKI JAKARTA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

21,689 16,946 32,366 26,888 34,801 18,074 13,605 10,168 5,696 3,012 2,286 2,769 1,809 1,985 1,307 1,840 1,499 692 928 293 198,653

21,689 38,635 71,001 97,889 132,690 150,764 164,369 174,537 180,233 183,245 185,531 188,300 190,109 192,094 193,401 195,241 196,740 197,432 198,360 198,653

BAND

10.92 8.53 16.29 13.54 17.52 9.10 6.85 5.12 2.87 1.52 1.15 1.39 0.91 1.00 0.66 0.93 0.75 0.35 0.47 0.15

CUM.

10.92 19.45 35.74 49.28 66.79 75.89 82.74 87.86 90.73 92.24 93.39 94.79 95.70 96.70 97.36 98.28 99.04 99.39 99.85 100.00

PERCENTAGE rp

14,915.06 3,810.86 9,633.79 12,543.17 24,249.06 19,394.66 19,849.00 20,670.19 15,528.07 10,699.71 9,306.56 13,404.26 10,516.14 14,767.12 11,473.84 23,965.78 23,990.06 13,794.58 36,539.29 158,758.35 467,809.56

14,915.06 18,725.92 28,359.71 40,902.88 65,151.93 84,546.60 104,395.60 125,065.79 140,593.86 151,293.57 160,600.13 174,004.39 184,520.54 199,287.65 210,761.50 234,727.27 258,717.33 272,511.92 309,051.20 467,809.56

BAND

CUM.

3.19 3.19 0.81 4.00 2.06 6.06 2.68 8.74 5.18 13.93 4.15 18.07 4.24 22.32 4.42 26.73 3.32 30.05 2.29 32.34 1.99 34.33 2.87 37.20 2.25 39.44 3.16 42.60 2.45 45.05 5.12 50.18 5.13 55.30 2.95 58.25 7.81 66.06 33.94 100.00

PERCENTAGE f

297 82 195 266 423 269 212 187 117 101 66 81 80 93 65 229 139 136 292 148 3,478

BAND

CUM.

297 8.54 8.54 379 2.36 10.90 574 5.61 16.50 840 7.65 24.15 1,26 12.16 36.31 1,53 7.73 44.05 1,74 6.10 50.14 1,93 5.38 55.52 2,04 3.36 58.88 2,14 2.90 61.79 2,21 1.90 63.69 2,29 2.33 66.01 2,37 2.30 68.32 2,46 2.67 70.99 2,53 1.87 72.86 2,76 6.58 79.44 2,90 4.00 83.44 3,03 3.91 87.35 3,33 8.40 95.74 3,47 4.26 100.00

PERCENTAGE rp

251,431.78 251,431.78 8,029.23 259,461.01 6,460.51 265,921.51 9,688.38 275,609.89 22,149.69 297,759.58 13,619.93 311,379.51 17,875.02 329,254.52 21,545.20 350,799.72 25,078.95 375,878.68 16,490.10 392,368.78 17,647.59 410,016.37 15,220.84 425,237.21 7,667.67 432,904.88 24,383.83 457,288.71 26,669.00 483,957.71 78,938.04 562,895.76 194,692.61 757,588.37 82,124.76 839,713.13 268,443.46 1,108,156.59 147,053.96 1,255,210.54 1,255,210.54

BAND

20.03 0.64 0.51 0.77 1.76 1.09 1.42 1.72 2.00 1.31 1.41 1.21 0.61 1.94 2.12 6.29 15.51 6.54 21.39 11.72

CUM.

20.03 20.67 21.19 21.96 23.72 24.81 26.23 27.95 29.95 31.26 32.67 33.88 34.49 36.43 38.56 44.84 60.36 66.90 88.28 100.00

PERCENTAGE BAND

CUM

1685.76 1685.76 210.69 1385.57 67.06 937.67 77.24 673.82 91.34 457.02 70.23 368.29 90.06 315.39 104.23 280.49 161.51 267.35 154.12 259.34 189.63 255.30 113.55 244.38 72.91 234.61 165.12 229.46 232.43 229.62 329.38 239.81 811.56 292.82 595.34 308.14 734.67 358.57 92.63 268.32 268.32

Page 79 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 10

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

JAWA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

26,151 23,776 25,572 13,805 13,682 6,693 4,815 3,750 2,131 1,310 1,063 1,314 938 1,289 916 1,626 1,482 789 872 249 132,223

26,151 49,927 75,499 89,304 102,986 109,679 114,494 118,244 120,375 121,685 122,748 124,062 125,000 126,289 127,205 128,831 130,313 131,102 131,974 132,223

BAND

CUM.

19.78 19.78 17.98 37.76 19.34 57.10 10.44 67.54 10.35 77.89 5.06 82.95 3.64 86.59 2.84 89.43 1.61 91.04 0.99 92.03 0.80 92.83 0.99 93.83 0.71 94.54 0.97 95.51 0.69 96.20 1.23 97.43 1.12 98.56 0.60 99.15 0.66 99.81 0.19 100.00

PERCENTAGE rp

12,595.84 4,493.03 8,694.76 7,441.53 12,105.38 8,769.05 9,383.47 9,393.07 6,993.86 5,172.25 5,035.16 6,948.55 6,059.34 10,554.60 9,855.16 61,711.06 22,620.28 14,044.26 16,179.42 16,574.97 254,625.04

BAND

12,595.84 4.95 17,088.87 1.76 25,783.63 3.41 33,225.16 2.92 45,330.53 4.75 54,099.59 3.44 63,483.06 3.69 72,876.13 3.69 79,869.99 2.75 85,042.24 2.03 90,077.41 1.98 97,025.96 2.73 103,085.29 2.38 113,639.89 4.15 123,495.05 3.87 185,206.11 24.24 207,826.39 8.88 221,870.65 5.52 238,050.07 6.35 254,625.04 6.51

CUM.

4.95 6.71 10.13 13.05 17.80 21.25 24.93 28.62 31.37 33.40 35.38 38.11 40.49 44.63 48.50 72.74 81.62 87.14 93.49 100.00

PERCENTAGE f

132 37 83 57 76 41 26 33 29 18 23 33 23 61 46 112 139 114 97 104 1,284

132 169 252 309 385 426 452 485 514 532 555 588 611 672 718 830 969 1,083 1,180 1,284

BAND

10.28 2.88 6.46 4.44 5.92 3.19 2.02 2.57 2.26 1.40 1.79 2.57 1.79 4.75 3.58 8.72 10.83 8.88 7.55 8.10

CUM.

10.28 13.16 19.63 24.07 29.98 33.18 35.20 37.77 40.03 41.43 43.22 45.79 47.59 52.34 55.92 64.64 75.47 84.35 91.90 100.00

PERCENTAGE rp

54,766.55 427.43 2,398.94 2,070.26 6,709.09 36,526.12 4,271.19 4,230.90 6,335.71 3,172.24 17,847.57 65,008.65 1,610.00 39,637.00 13,284.96 27,399.72 62,753.80 35,204.04 43,557.15 88,792.88 516,004.20

54,766.55 55,193.99 57,592.93 59,663.19 66,372.28 102,898.40 107,169.59 111,400.49 117,736.20 120,908.43 138,756.00 203,764.65 205,374.65 245,011.65 258,296.61 285,696.33 348,450.13 383,654.17 427,211.32 516,004.20

BAND

CUM.

10.61 10.61 0.08 10.70 0.46 11.16 0.40 11.56 1.30 12.86 7.08 19.94 0.83 20.77 0.82 21.59 1.23 22.82 0.61 23.43 3.46 26.89 12.60 39.49 0.31 39.80 7.68 47.48 2.57 50.06 5.31 55.37 12.16 67.53 6.82 74.35 8.44 82.79 17.21 100.00

PERCENTAGE BAND

CUM.

434.80 9.51 27.59 27.82 55.42 416.53 45.52 45.04 90.59 61.33 354.46 935.57 26.57 375.54 134.80 44.40 277.42 250.66 269.21 535.70

434.80 322.98 223.37 179.57 146.42 190.20 168.82 152.86 147.41 142.17 154.04 210.01 199.23 215.60 209.16 154.26 167.66 172.92 179.46 202.65

202.65

Page 80 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 11

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

JAWA TENGAH

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

22,557 14,080 11,724 5,739 6,263 3,282 2,436 2,056 1,185 698 505 619 401 571 339 548 452 184 177 91 73,907

22,557 36,637 48,361 54,100 60,363 63,645 66,081 68,137 69,322 70,020 70,525 71,144 71,545 72,116 72,455 73,003 73,455 73,639 73,816 73,907

BAND

CUM.

30.52 30.52 19.05 49.57 15.86 65.43 7.77 73.20 8.47 81.67 4.44 86.11 3.30 89.41 2.78 92.19 1.60 93.80 0.94 94.74 0.68 95.42 0.84 96.26 0.54 96.80 0.77 97.58 0.46 98.04 0.74 98.78 0.61 99.39 0.25 99.64 0.24 99.88 0.12 100.00

PERCENTAGE rp

6,465.93 2,720.63 4,482.05 2,299.32 6,226.86 4,502.03 4,528.56 5,416.02 3,934.81 789.66 2,515.53 3,622.79 3,052.28 5,345.97 4,837.28 9,722.45 8,480.97 3,728.09 3,204.30 4,312.66 90,188.17

6,465.93 9,186.56 13,668.61 15,967.93 22,194.79 26,696.82 31,225.38 36,641.40 40,576.21 41,365.87 43,881.39 47,504.18 50,556.47 55,902.43 60,739.71 70,462.16 78,943.13 82,671.22 85,875.51 90,188.17

BAND

7.17 3.02 4.97 2.55 6.90 4.99 5.02 6.01 4.36 0.88 2.79 4.02 3.38 5.93 5.36 10.78 9.40 4.13 3.55 4.78

CUM.

7.17 10.19 15.16 17.71 24.61 29.60 34.62 40.63 44.99 45.87 48.66 52.67 56.06 61.98 67.35 78.13 87.53 91.67 95.22 100.00

PERCENTAGE f

49 10 6 10 15 11 14 46 16 9 6 16 16 16 9 26 55 49 22 12 413

BAND

CUM.

49 59 65 75 90 101 115 161 177 186 192 208 224 240 249 275 330 379 401 413

11.86 11.86 2.42 14.29 1.45 15.74 2.42 18.16 3.63 21.79 2.66 24.46 3.39 27.85 11.14 38.98 3.87 42.86 2.18 45.04 1.45 46.49 3.87 50.36 3.87 54.24 3.87 58.11 2.18 60.29 6.30 66.59 13.32 79.90 11.86 91.77 5.33 97.09 2.91 100.00

PERCENTAGE rp

11,462.84 375.11 119.12 358.03 498.63 190.62 446.26 2,097.64 861.06 502.80 4,267.80 4,015.75 241.32 270.06 77.19 1,993.71 38,120.08 63,782.84 3,163.49 139,031.05 271,875.41

11,462.84 11,837.96 11,957.07 12,315.10 12,813.73 13,004.35 13,450.61 15,548.26 16,409.32 16,912.12 21,179.92 25,195.67 25,436.99 25,707.05 25,784.24 27,777.95 65,898.03 129,680.87 132,844.36 271,875.41

BAND

4.22 0.14 0.04 0.13 0.18 0.07 0.16 0.77 0.32 0.18 1.57 1.48 0.09 0.10 0.03 0.73 14.02 23.46 1.16 51.14

CUM.

4.22 4.35 4.40 4.53 4.71 4.78 4.95 5.72 6.04 6.22 7.79 9.27 9.36 9.46 9.48 10.22 24.24 47.70 48.86 100.00

PERCENTAGE BAND

177.28 13.79 2.66 15.57 8.01 4.23 9.85 38.73 21.88 63.67 169.66 110.85 7.91 5.05 1.60 20.51 449.48 1710.87 98.73 3223.79

CUM

177.28 128.86 87.48 77.12 57.73 48.71 43.08 42.43 40.44 40.88 48.27 53.04 50.31 45.99 42.45 39.42 83.48 156.86 154.69 301.45

301.45

Page 81 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 12

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

DI YOGYAKARTA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

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

PERCENTAGE f

2,260 1,685 1,675 907 978 559 410 289 174 122 55 98 48 67 38 70 42 24 21 1

2,260 3,945 5,620 6,527 7,505 8,064 8,474 8,763 8,937 9,059 9,114 9,212 9,260 9,327 9,365 9,435 9,477 9,501 9,522 9,523

9,523

BAND

CUM.

23.73 23.73 17.69 41.43 17.59 59.02 9.52 68.54 10.27 78.81 5.87 84.68 4.31 88.98 3.03 92.02 1.83 93.85 1.28 95.13 0.58 95.71 1.03 96.73 0.50 97.24 0.70 97.94 0.40 98.34 0.74 99.08 0.44 99.52 0.25 99.77 0.22 99.99 0.01 100.00

PERCENTAGE rp

512.90 512.90 293.07 805.97 479.42 1,285.40 448.34 1,733.74 819.34 2,553.08 683.95 3,237.03 658.03 3,895.06 640.00 4,535.07 502.55 5,037.61 459.10 5,496.71 290.47 5,787.18 491.73 6,278.92 543.70 6,822.62 620.23 7,442.85 545.57 7,988.42 1,175.98 9,164.40 739.15 9,903.55 296.77 10,200.32 442.81 10,643.13 182.18 10,825.31 10,825.31

BAND

4.74 2.71 4.43 4.14 7.57 6.32 6.08 5.91 4.64 4.24 2.68 4.54 5.02 5.73 5.04 10.86 6.83 2.74 4.09 1.68

CUM.

4.74 7.45 11.87 16.02 23.58 29.90 35.98 41.89 46.54 50.78 53.46 58.00 63.02 68.75 73.79 84.66 91.49 94.23 98.32 100.00

PERCENTAGE f

17 3 5 3 9 8 0 6 3 0 0 4 3 4 0 3 3 2 9 0 82

BAND

17 20 25 28 37 45 45 51 54 54 54 58 61 65 65 68 71 73 82 82

CUM.

20.73 20.73 3.66 24.39 6.10 30.49 3.66 34.15 10.98 45.12 9.76 54.88 0.00 54.88 7.32 62.20 3.66 65.85 0.00 65.85 0.00 65.85 4.88 70.73 3.66 74.39 4.88 79.27 0.00 79.27 3.66 82.93 3.66 86.59 2.44 89.02 10.98 100.00 0.00 100.00

PERCENTAGE rp

1,109.18 67.69 62.27 923.75 515.65 555.51 0.00 26.52 39.55 0.00 0.00 69.49 175.03 213.42 0.00 199.74 114.21 779.08 14,159.88 0.00 19,010.99

1,109.18 1,176.86 1,239.14 2,162.89 2,678.54 3,234.05 3,234.05 3,260.58 3,300.13 3,300.13 3,300.13 3,369.63 3,544.66 3,758.08 3,758.08 3,957.82 4,072.03 4,851.12 19,010.99 19,010.99

BAND

CUM.

5.83 5.83 0.36 6.19 0.33 6.52 4.86 11.38 2.71 14.09 2.92 17.01 0.00 17.01 0.14 17.15 0.21 17.36 0.00 17.36 0.00 17.36 0.37 17.72 0.92 18.65 1.12 19.77 0.00 19.77 1.05 20.82 0.60 21.42 4.10 25.52 74.48 100.00 0.00 100.00

PERCENTAGE BAND

CUM

216.26 23.10 12.99 206.04 62.94 81.22 0.00 4.14 7.87 0.00 0.00 14.13 32.19 34.41 0.00 16.99 15.45 262.52 3197.70 0.00

216.26 146.02 96.40 124.75 104.91 99.91 83.03 71.90 65.51 60.04 57.02 53.67 51.95 50.49 47.04 43.19 41.12 47.56 178.62 175.62

175.62

Page 82 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 13

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

JAWA TIMUR

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

21,723 16,775 17,590 10,376 11,520 6,570 4,627 4,134 2,306 1,380 1,089 1,224 846 1,096 726 1,078 842 405 375 143 104,825

21,723 38,498 56,088 66,464 77,984 84,554 89,181 93,315 95,621 97,001 98,090 99,314 100,160 101,256 101,982 103,060 103,902 104,307 104,682 104,825

BAND

20.72 16.00 16.78 9.90 10.99 6.27 4.41 3.94 2.20 1.32 1.04 1.17 0.81 1.05 0.69 1.03 0.80 0.39 0.36 0.14

CUM.

20.72 36.73 53.51 63.40 74.39 80.66 85.08 89.02 91.22 92.54 93.58 94.74 95.55 96.60 97.29 98.32 99.12 99.51 99.86 100.00

PERCENTAGE rp

8,202.21 3,306.98 6,466.52 5,986.23 10,164.32 7,958.09 7,840.31 10,001.02 6,988.83 5,273.51 5,012.87 7,275.84 6,029.90 10,995.95 9,109.42 18,848.57 15,811.74 6,511.69 11,514.05 3,061.89 166,359.95

8,202.21 11,509.18 17,975.70 23,961.93 34,126.26 42,084.35 49,924.66 59,925.69 66,914.52 72,188.03 77,200.90 84,476.74 90,506.64 101,502.59 110,612.01 129,460.58 145,272.32 151,784.02 163,298.07 166,359.95

BAND

4.93 1.99 3.89 3.60 6.11 4.78 4.71 6.01 4.20 3.17 3.01 4.37 3.62 6.61 5.48 11.33 9.50 3.91 6.92 1.84

CUM.

4.93 6.92 10.81 14.40 20.51 25.30 30.01 36.02 40.22 43.39 46.41 50.78 54.40 61.01 66.49 77.82 87.32 91.24 98.16 100.00

PERCENTAGE f

64 9 18 12 22 17 17 14 10 13 7 40 13 37 16 27 38 38 68 26 506

64 73 91 103 125 142 159 173 183 196 203 243 256 293 309 336 374 412 480 506

BAND

12.65 1.78 3.56 2.37 4.35 3.36 3.36 2.77 1.98 2.57 1.38 7.91 2.57 7.31 3.16 5.34 7.51 7.51 13.44 5.14

CUM.

12.65 14.43 17.98 20.36 24.70 28.06 31.42 34.19 36.17 38.74 40.12 48.02 50.59 57.91 61.07 66.40 73.91 81.42 94.86 100.00

PERCENTAGE rp

10,040.13 720.51 697.26 434.16 6,940.71 1,878.43 1,955.93 664.34 2,583.51 253.81 70.65 9,651.33 3,789.71 4,874.32 20,786.94 2,841.77 50,231.95 27,372.20 30,079.69 66,488.69 242,356.02

10,040.13 10,760.63 11,457.90 11,892.06 18,832.77 20,711.19 22,667.13 23,331.47 25,914.98 26,168.79 26,239.43 35,890.76 39,680.47 44,554.79 65,341.73 68,183.50 118,415.45 145,787.65 175,867.33 242,356.02

BAND

CUM.

4.14 4.14 0.30 4.44 0.29 4.73 0.18 4.91 2.86 7.77 0.78 8.55 0.81 9.35 0.27 9.63 1.07 10.69 0.10 10.80 0.03 10.83 3.98 14.81 1.56 16.37 2.01 18.38 8.58 26.96 1.17 28.13 20.73 48.86 11.29 60.15 12.41 72.57 27.43 100.00

PERCENTAGE BAND

122.41 21.79 10.78 7.25 68.28 23.60 24.95 6.64 36.97 4.81 1.41 132.65 62.85 44.33 228.19 15.08 317.69 420.35 261.24 2171.50

CUM

122.41 93.50 63.74 49.63 55.19 49.21 45.40 38.93 38.73 36.25 33.99 42.49 43.84 43.90 59.07 52.67 81.51 96.05 107.70 145.68

145.68

Page 83 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 14

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

KALIMANTAN BARAT

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

5,812 7,970 6,331 2,060 1,619 505 339 233 121 45 52 47 38 52 25 54 46 21 28 4 25,402

5,812 13,782 20,113 22,173 23,792 24,297 24,636 24,869 24,990 25,035 25,087 25,134 25,172 25,224 25,249 25,303 25,349 25,370 25,398 25,402

BAND

CUM.

22.88 22.88 31.38 54.26 24.92 79.18 8.11 87.29 6.37 93.66 1.99 95.65 1.33 96.98 0.92 97.90 0.48 98.38 0.18 98.56 0.20 98.76 0.19 98.94 0.15 99.09 0.20 99.30 0.10 99.40 0.21 99.61 0.18 99.79 0.08 99.87 0.11 99.98 0.02 100.00

PERCENTAGE rp

2,469.54 3,889.97 6,034.19 3,304.37 4,038.71 1,805.59 1,458.12 997.43 794.06 301.20 440.53 541.78 618.52 2,120.26 566.99 1,000.21 1,063.09 848.04 473.19 -40.73 32,725.06

2,469.54 6,359.51 12,393.70 15,698.07 19,736.78 21,542.37 23,000.49 23,997.92 24,791.98 25,093.18 25,533.71 26,075.49 26,694.01 28,814.27 29,381.27 30,381.48 31,444.57 32,292.60 32,765.79 32,725.06

PERCENTAGE

BAND

CUM.

7.55 11.89 18.44 10.10 12.34 5.52 4.46 3.05 2.43 0.92 1.35 1.66 1.89 6.48 1.73 3.06 3.25 2.59 1.45 -0.12

7.55 19.43 37.87 47.97 60.31 65.83 70.28 73.33 75.76 76.68 78.02 79.68 81.57 88.05 89.78 92.84 96.09 98.68 100.12 100.00

20 35 22 2 4 2 1 1 2 4 0 2 1 2 1 1 0 2 1 0

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

103

BAND

CUM.

PERCENTAGE rp

632.25 1,799.28 1,842.89 370.94 1,970.59 591.44 9.99 217.70 340.63 227.73 0.00 618.74 827.97 143.75 40.00 944.02 0.00 8,298.15 19,732.28 0.00 38,608.36

BAND

632.25 1.64 2,431.53 4.66 4,274.42 4.77 4,645.36 0.96 6,615.95 5.10 7,207.39 1.53 7,217.38 0.03 7,435.08 0.56 7,775.72 0.88 8,003.45 0.59 8,003.45 0.00 8,622.20 1.60 9,450.16 2.14 9,593.91 0.37 9,633.91 0.10 10,577.93 2.45 10,577.93 0.00 18,876.08 21.49 38,608.36 51.11 38,608.36 0.00

CUM.

1.64 6.30 11.07 12.03 17.14 18.67 18.69 19.26 20.14 20.73 20.73 22.33 24.48 24.85 24.95 27.40 27.40 48.89 100.00 100.00

PERCENTAGE BAND

CUM

25.60 25.60 46.25 38.23 30.54 34.49 11.23 29.59 48.79 33.52 32.76 33.46 0.69 31.38 21.83 30.98 42.90 31.36 75.61 31.89 0.00 31.34 114.21 33.07 133.86 35.40 6.78 33.30 7.05 32.79 94.38 34.82 0.00 33.64 978.52 58.45 4170.09 117.83 0.00 117.98 117.98

Page 84 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 15

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

KALIMANTAN TENGAH

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,373 1,339 1,039 499 507 244 133 89 64 28 18 29 15 21 19 29 14 12 5 3 5,480

1,373 2,712 3,751 4,250 4,757 5,001 5,134 5,223 5,287 5,315 5,333 5,362 5,377 5,398 5,417 5,446 5,460 5,472 5,477 5,480

BAND

CUM.

25.05 25.05 24.43 49.49 18.96 68.45 9.11 77.55 9.25 86.81 4.45 91.26 2.43 93.69 1.62 95.31 1.17 96.48 0.51 96.99 0.33 97.32 0.53 97.85 0.27 98.12 0.38 98.50 0.35 98.85 0.53 99.38 0.26 99.64 0.22 99.85 0.09 99.95 0.05 100.00

PERCENTAGE rp

611.06 471.27 800.46 615.46 780.49 619.55 454.98 313.53 314.67 112.65 131.96 454.76 153.99 407.84 192.75 657.24 854.89 366.07 125.00 41.34 8,479.97

611.06 1,082.33 1,882.79 2,498.25 3,278.74 3,898.29 4,353.27 4,666.80 4,981.48 5,094.13 5,226.09 5,680.84 5,834.83 6,242.67 6,435.42 7,092.66 7,947.55 8,313.62 8,438.63 8,479.97

BAND

7.21 5.56 9.44 7.26 9.20 7.31 5.37 3.70 3.71 1.33 1.56 5.36 1.82 4.81 2.27 7.75 10.08 4.32 1.47 0.49

CUM.

7.21 12.76 22.20 29.46 38.66 45.97 51.34 55.03 58.74 60.07 61.63 66.99 68.81 73.62 75.89 83.64 93.72 98.04 99.51 100.00

PERCENTAGE f

5 4 5 2 2 1 1 0 1 0 1 2 1 2 1 7 1 0 0 0 36

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

BAND

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

CUM.

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

PERCENTAGE rp

1,266.07 217.84 650.50 222.16 418.70 88.29 39.01 0.00 22.50 0.00 22.05 24.00 2,233.38 276.88 7.12 639.72 89.64 0.00 0.00 0.00 6,217.86

1,266.07 1,483.91 2,134.41 2,356.56 2,775.26 2,863.55 2,902.56 2,902.56 2,925.06 2,925.06 2,947.11 2,971.11 5,204.49 5,481.37 5,488.49 6,128.21 6,217.86 6,217.86 6,217.86 6,217.86

BAND

20.36 3.50 10.46 3.57 6.73 1.42 0.63 0.00 0.36 0.00 0.35 0.39 35.92 4.45 0.11 10.29 1.44 0.00 0.00 0.00

CUM.

PERCENTAGE BAND

CUM

20.36 207.19 23.87 46.22 34.33 81.27 37.90 36.10 44.63 53.65 46.05 14.25 46.68 8.57 46.68 0.00 47.04 7.15 47.04 0.00 47.40 16.71 47.78 5.28 83.70 1450.35 88.16 67.89 88.27 3.69 98.56 97.33 100.00 10.49 100.00 0.00 100.00 0.00 100.00 0.00

207.19 137.10 113.36 94.33 84.64 73.46 66.68 62.20 58.72 57.42 56.39 52.30 89.20 87.80 85.29 86.40 78.24 74.79 73.68 73.32

73.32

Page 85 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 16

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

KALIMANTAN SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

3,382 2,697 2,478 1,145 1,103 614 381 301 162 102 61 78 46 77 54 77 53 49 46 11 12,917

3,382 6,079 8,557 9,702 10,805 11,419 11,800 12,101 12,263 12,365 12,426 12,504 12,550 12,627 12,681 12,758 12,811 12,860 12,906 12,917

BAND

CUM.

26.18 26.18 20.88 47.06 19.18 66.25 8.86 75.11 8.54 83.65 4.75 88.40 2.95 91.35 2.33 93.68 1.25 94.94 0.79 95.73 0.47 96.20 0.60 96.80 0.36 97.16 0.60 97.75 0.42 98.17 0.60 98.77 0.41 99.18 0.38 99.56 0.36 99.91 0.09 100.00

PERCENTAGE rp

878.16 621.73 981.36 815.35 1,489.93 1,191.42 935.60 996.92 696.48 545.58 359.55 604.22 497.93 1,287.47 870.59 1,355.11 898.91 1,502.96 1,620.62 267.25 18,417.16

878.16 1,499.88 2,481.25 3,296.60 4,786.54 5,977.95 6,913.55 7,910.48 8,606.96 9,152.54 9,512.10 10,116.32 10,614.25 11,901.72 12,772.31 14,127.42 15,026.33 16,529.29 18,149.91 18,417.16

BAND

4.77 3.38 5.33 4.43 8.09 6.47 5.08 5.41 3.78 2.96 1.95 3.28 2.70 6.99 4.73 7.36 4.88 8.16 8.80 1.45

PERCENTAGE

CUM.

4.77 8.14 13.47 17.90 25.99 32.46 37.54 42.95 46.73 49.70 51.65 54.93 57.63 64.62 69.35 76.71 81.59 89.75 98.55 100.00

22 10 10 3 2 1 0 1 0 0 0 0 1 1 0 4 5 0 12 0 72

22 32 42 45 47 48 48 49 49 49 49 49 50 51 51 55 60 60 72 72

BAND

CUM.

30.56 30.56 13.89 44.44 13.89 58.33 4.17 62.50 2.78 65.28 1.39 66.67 0.00 66.67 1.39 68.06 0.00 68.06 0.00 68.06 0.00 68.06 0.00 68.06 1.39 69.44 1.39 70.83 0.00 70.83 5.56 76.39 6.94 83.33 0.00 83.33 16.67 100.00 0.00 100.00

PERCENTAGE rp

11,862.18 471.94 2,055.96 439.56 381.06 61.75 0.00 2.50 0.00 0.00 0.00 0.00 4.03 50.00 0.00 6,274.52 6,086.55 0.00 20,522.80 0.00 48,212.85

11,862.18 12,334.12 14,390.08 14,829.64 15,210.70 15,272.46 15,272.46 15,274.96 15,274.96 15,274.96 15,274.96 15,274.96 15,278.99 15,328.99 15,328.99 21,603.51 27,690.05 27,690.05 48,212.85 48,212.85

BAND

24.60 0.98 4.26 0.91 0.79 0.13 0.00 0.01 0.00 0.00 0.00 0.00 0.01 0.10 0.00 13.01 12.62 0.00 42.57 0.00

CUM.

24.60 25.58 29.85 30.76 31.55 31.68 31.68 31.68 31.68 31.68 31.68 31.68 31.69 31.79 31.79 44.81 57.43 57.43 100.00 100.00

PERCENTAGE BAND

CUM

1350.80 1350.80 75.91 822.34 209.50 579.95 53.91 449.85 25.58 317.78 5.18 255.48 0.00 220.91 0.25 193.10 0.00 177.47 0.00 166.89 0.00 160.58 0.00 150.99 0.81 143.95 3.88 128.80 0.00 120.02 463.03 152.92 677.10 184.28 0.00 167.52 1266.36 265.64 0.00 261.78 261.78

Page 86 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 17

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

KALIMANTAN TIMUR

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

3,169 3,536 4,101 2,405 2,624 1,240 925 665 352 146 144 153 78 127 57 115 80 45 56 26 20,044

3,169 6,705 10,806 13,211 15,835 17,075 18,000 18,665 19,017 19,163 19,307 19,460 19,538 19,665 19,722 19,837 19,917 19,962 20,018 20,044

BAND

CUM.

15.81 17.64 20.46 12.00 13.09 6.19 4.61 3.32 1.76 0.73 0.72 0.76 0.39 0.63 0.28 0.57 0.40 0.22 0.28 0.13

15.81 33.45 53.91 65.91 79.00 85.19 89.80 93.12 94.88 95.60 96.32 97.09 97.48 98.11 98.39 98.97 99.37 99.59 99.87 100.00

PERCENTAGE rp

1,536.29 819.91 1,831.35 1,950.45 3,723.65 2,561.12 2,786.04 2,581.74 1,774.29 773.04 929.82 1,085.75 687.63 1,478.80 629.01 2,736.53 2,373.37 1,416.91 4,902.00 4,219.53 40,797.23

1,536.29 2,356.20 4,187.55 6,138.00 9,861.65 12,422.77 15,208.81 17,790.55 19,564.84 20,337.88 21,267.69 22,353.44 23,041.07 24,519.87 25,148.88 27,885.41 30,258.79 31,675.70 36,577.70 40,797.23

BAND

3.77 2.01 4.49 4.78 9.13 6.28 6.83 6.33 4.35 1.89 2.28 2.66 1.69 3.62 1.54 6.71 5.82 3.47 12.02 10.34

PERCENTAGE

CUM.

3.77 5.78 10.26 15.05 24.17 30.45 37.28 43.61 47.96 49.85 52.13 54.79 56.48 60.10 61.64 68.35 74.17 77.64 89.66 100.00

19 7 5 5 4 1 1 2 2 1 0 2 0 1 0 3 1 2 7 0 63

BAND

19 30.16 26 11.11 31 7.94 36 7.94 40 6.35 41 1.59 42 1.59 44 3.17 46 3.17 47 1.59 47 0.00 49 3.17 49 0.00 50 1.59 50 0.00 53 4.76 54 1.59 56 3.17 63 11.11 63 0.00

CUM.

30.16 41.27 49.21 57.14 63.49 65.08 66.67 69.84 73.02 74.60 74.60 77.78 77.78 79.37 79.37 84.13 85.71 88.89 100.00 100.00

PERCENTAGE rp

12,069.74 454.38 142.04 466.93 227.01 86.70 245.44 149.08 146.84 47.43 0.00 34.14 0.00 4.83 0.00 158.38 13.82 2,511.15 5,148.63 0.00 21,906.54

12,069.74 12,524.11 12,666.15 13,133.08 13,360.10 13,446.80 13,692.24 13,841.32 13,988.16 14,035.59 14,035.59 14,069.73 14,069.73 14,074.56 14,074.56 14,232.95 14,246.76 16,757.91 21,906.54 21,906.54

BAND

CUM.

55.10 55.10 2.07 57.17 0.65 57.82 2.13 59.95 1.04 60.99 0.40 61.38 1.12 62.50 0.68 63.18 0.67 63.85 0.22 64.07 0.00 64.07 0.16 64.23 0.00 64.23 0.02 64.25 0.00 64.25 0.72 64.97 0.06 65.03 11.46 76.50 23.50 100.00 0.00 100.00

PERCENTAGE BAND

CUM

785.64 55.42 7.76 23.94 6.10 3.39 8.81 5.77 8.28 6.14 0.00 3.14 0.00 0.33 0.00 5.79 0.58 177.23 105.03 0.00

785.64 531.54 302.47 213.96 135.48 108.24 90.03 77.80 71.50 69.01 65.99 62.94 61.06 57.40 55.96 51.04 47.08 52.90 59.89 53.70

53.70

Page 87 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 18

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

SULAWESI UTARA

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,259 1,458 1,775 992 1,041 643 430 395 198 114 75 90 49 107 53 48 26 8 20 6 8,787

1,259 2,717 4,492 5,484 6,525 7,168 7,598 7,993 8,191 8,305 8,380 8,470 8,519 8,626 8,679 8,727 8,753 8,761 8,781 8,787

BAND

CUM.

14.33 14.33 16.59 30.92 20.20 51.12 11.29 62.41 11.85 74.26 7.32 81.58 4.89 86.47 4.50 90.96 2.25 93.22 1.30 94.51 0.85 95.37 1.02 96.39 0.56 96.95 1.22 98.17 0.60 98.77 0.55 99.32 0.30 99.61 0.09 99.70 0.23 99.93 0.07 100.00

PERCENTAGE rp

860.77 305.20 678.46 606.45 1,172.00 1,292.56 1,305.00 1,352.57 837.34 559.06 462.22 850.35 500.97 1,175.31 599.38 788.33 294.30 153.43 1,556.41 49.41 15,399.50

860.77 1,165.96 1,844.43 2,450.88 3,622.87 4,915.43 6,220.43 7,572.99 8,410.34 8,969.40 9,431.62 10,281.97 10,782.94 11,958.24 12,557.62 13,345.95 13,640.25 13,793.68 15,350.09 15,399.50

BAND

5.59 1.98 4.41 3.94 7.61 8.39 8.47 8.78 5.44 3.63 3.00 5.52 3.25 7.63 3.89 5.12 1.91 1.00 10.11 0.32

CUM.

5.59 7.57 11.98 15.92 23.53 31.92 40.39 49.18 54.61 58.24 61.25 66.77 70.02 77.65 81.55 86.66 88.58 89.57 99.68 100.00

PERCENTAGE f

2 1 1 5 3 8 4 5 0 1 0 0 2 2 1 1 1 2 5 0 44

BAND

CUM.

2 3 4 9 12 20 24 29 29 30 30 30 32 34 35 36 37 39 44 44

4.55 4.55 2.27 6.82 2.27 9.09 11.36 20.45 6.82 27.27 18.18 45.45 9.09 54.55 11.36 65.91 0.00 65.91 2.27 68.18 0.00 68.18 0.00 68.18 4.55 72.73 4.55 77.27 2.27 79.55 2.27 81.82 2.27 84.09 4.55 88.64 11.36 100.00 0.00 100.00

PERCENTAGE rp

35.63 3.77 1.25 1,792.38 321.34 426.74 1,870.45 1,777.58 0.00 272.57 0.00 0.00 4,305.33 507.37 2.65 4.82 24.05 523.93 316.75 0.00 12,186.60

35.63 39.40 40.65 1,833.03 2,154.37 2,581.11 4,451.56 6,229.14 6,229.14 6,501.71 6,501.71 6,501.71 10,807.04 11,314.41 11,317.05 11,321.87 11,345.92 11,869.85 12,186.60 12,186.60

BAND

CUM.

0.29 0.29 0.03 0.32 0.01 0.33 14.71 15.04 2.64 17.68 3.50 21.18 15.35 36.53 14.59 51.11 0.00 51.11 2.24 53.35 0.00 53.35 0.00 53.35 35.33 88.68 4.16 92.84 0.02 92.86 0.04 92.90 0.20 93.10 4.30 97.40 2.60 100.00 0.00 100.00

PERCENTAGE BAND

CUM

4.14 1.24 0.18 295.55 27.42 33.02 143.33 131.42 0.00 48.75 0.00 0.00 859.40 43.17 0.44 0.61 8.17 341.49 20.35 0.00

4.14 3.38 2.20 74.79 59.47 52.51 71.56 82.25 74.07 72.49 68.94 63.23 100.22 94.62 90.12 84.83 83.18 86.05 79.39 79.14

79.14

Page 88 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 19

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

SULAWESI TENGAH

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,089 1,149 1,040 566 611 369 240 200 107 71 32 52 21 39 13 22 22 7 2 0 5,652

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

BAND

CUM.

19.27 19.27 20.33 39.60 18.40 58.00 10.01 68.01 10.81 78.82 6.53 85.35 4.25 89.60 3.54 93.14 1.89 95.03 1.26 96.28 0.57 96.85 0.92 97.77 0.37 98.14 0.69 98.83 0.23 99.06 0.39 99.45 0.39 99.84 0.12 99.96 0.04 100.00 0.00 100.00

PERCENTAGE rp

263.45 314.95 578.32 604.22 1,008.67 942.19 778.59 842.71 540.49 417.09 222.48 445.28 193.30 407.77 560.57 349.28 320.41 171.60 23.93 0.00 8,985.29

263.45 578.39 1,156.71 1,760.93 2,769.60 3,711.79 4,490.38 5,333.09 5,873.58 6,290.67 6,513.15 6,958.42 7,151.73 7,559.50 8,120.07 8,469.34 8,789.75 8,961.36 8,985.29 8,985.29

BAND

2.93 3.51 6.44 6.72 11.23 10.49 8.67 9.38 6.02 4.64 2.48 4.96 2.15 4.54 6.24 3.89 3.57 1.91 0.27 0.00

CUM.

2.93 6.44 12.87 19.60 30.82 41.31 49.97 59.35 65.37 70.01 72.49 77.44 79.59 84.13 90.37 94.26 97.82 99.73 100.00 100.00

PERCENTAGE f

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

0 0 1 2 6 6 8 9 10 10 11 12 12 12 12 12 12 12 12 12

BAND

0.00 0.00 8.33 8.33 33.33 0.00 16.67 8.33 8.33 0.00 8.33 8.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 8.33 16.67 50.00 50.00 66.67 75.00 83.33 83.33 91.67 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 0.00 56.25 56.48 84.87 0.00 586.80 1,052.54 27.57 0.00 2,036.83 2,671.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6,573.15

0.00 0.00 56.25 112.73 197.59 197.59 784.39 1,836.93 1,864.51 1,864.51 3,901.34 6,573.15 6,573.15 6,573.15 6,573.15 6,573.15 6,573.15 6,573.15 6,573.15 6,573.15

BAND

0.00 0.00 0.86 0.86 1.29 0.00 8.93 16.01 0.42 0.00 30.99 40.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

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

PERCENTAGE BAND

0.00 0.00 9.73 9.35 8.41 0.00 75.37 124.90 5.10 0.00 915.53 600.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

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

73.15

Page 89 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

SULAWESI SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

5,130 5,627 4,762 2,540 2,315 1,061 697 587 320 159 128 219 132 145 92 100 97 34 30 15 24,190

5,130 10,757 15,519 18,059 20,374 21,435 22,132 22,719 23,039 23,198 23,326 23,545 23,677 23,822 23,914 24,014 24,111 24,145 24,175 24,190

BAND

CUM.

21.21 21.21 23.26 44.47 19.69 64.15 10.50 74.65 9.57 84.22 4.39 88.61 2.88 91.49 2.43 93.92 1.32 95.24 0.66 95.90 0.53 96.43 0.91 97.33 0.55 97.88 0.60 98.48 0.38 98.86 0.41 99.27 0.40 99.67 0.14 99.81 0.12 99.94 0.06 100.00

PERCENTAGE rp

904.74 1,692.36 2,296.12 2,275.97 3,228.71 2,221.54 1,833.53 2,116.65 1,403.40 721.75 706.26 1,539.81 1,292.88 1,492.83 1,539.80 2,067.46 1,911.63 609.22 1,132.69 967.89 31,955.23

904.74 2,597.10 4,893.23 7,169.20 10,397.91 12,619.45 14,452.98 16,569.62 17,973.02 18,694.76 19,401.03 20,940.84 22,233.72 23,726.55 25,266.35 27,333.81 29,245.43 29,854.65 30,987.34 31,955.23

PERCENTAGE

BAND

CUM.

2.83 5.30 7.19 7.12 10.10 6.95 5.74 6.62 4.39 2.26 2.21 4.82 4.05 4.67 4.82 6.47 5.98 1.91 3.54 3.03

2.83 8.13 15.31 22.44 32.54 39.49 45.23 51.85 56.24 58.50 60.71 65.53 69.58 74.25 79.07 85.54 91.52 93.43 96.97 100.00

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

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

BAND

CUM.

8.57 8.57 7.14 15.71 12.86 28.57 1.43 30.00 5.71 35.71 8.57 44.29 5.71 50.00 4.29 54.29 4.29 58.57 2.86 61.43 1.43 62.86 2.86 65.71 1.43 67.14 0.00 67.14 0.00 67.14 2.86 70.00 4.29 74.29 0.00 74.29 21.43 95.71 4.29 100.00

PERCENTAGE rp

302.64 175.63 1,075.60 282.25 321.00 691.63 680.02 50.35 20.54 36.57 4.29 374.65 59.08 0.00 0.00 1,467.54 401.71 0.00 31.50 4,777.43 10,752.41

302.64 478.27 1,553.87 1,836.11 2,157.11 2,848.74 3,528.75 3,579.11 3,599.64 3,636.22 3,640.51 4,015.16 4,074.23 4,074.23 4,074.23 5,541.77 5,943.48 5,943.48 5,974.98 10,752.41

BAND

2.81 1.63 10.00 2.62 2.99 6.43 6.32 0.47 0.19 0.34 0.04 3.48 0.55 0.00 0.00 13.65 3.74 0.00 0.29 44.43

PERCENTAGE

CUM.

BAND

CUM

2.81 4.45 14.45 17.08 20.06 26.49 32.82 33.29 33.48 33.82 33.86 37.34 37.89 37.89 37.89 51.54 55.28 55.28 55.57 100.00

33.45 10.38 46.84 12.40 9.94 31.13 37.09 2.38 1.46 5.07 0.61 24.33 4.57 0.00 0.00 70.98 21.01 0.00 2.78 493.59

33.45 18.42 31.76 25.61 20.75 22.57 24.42 21.60 20.03 19.45 18.76 19.17 18.32 17.17 16.13 20.27 20.32 19.91 19.28 33.65

33.65

Page 90 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 21

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

SULAWESI TENGGARA

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

PERCENTAGE f

611 780 685 377 409 192 134 111 39 28 13 23 10 6 6 10 6 3 1 10

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

3,454

BAND

CUM.

17.69 17.69 22.58 40.27 19.83 60.10 10.91 71.02 11.84 82.86 5.56 88.42 3.88 92.30 3.21 95.51 1.13 96.64 0.81 97.45 0.38 97.83 0.67 98.49 0.29 98.78 0.17 98.96 0.17 99.13 0.29 99.42 0.17 99.59 0.09 99.68 0.03 99.71 0.29 100.00

PERCENTAGE rp

121.24 160.63 365.41 436.02 721.67 467.34 429.56 433.93 233.80 170.00 112.35 161.08 123.80 142.15 137.55 326.80 87.06 112.20 20.41 190.71 4,953.71

121.24 281.87 647.27 1,083.29 1,804.97 2,272.30 2,701.87 3,135.79 3,369.59 3,539.59 3,651.94 3,813.03 3,936.82 4,078.98 4,216.53 4,543.33 4,630.39 4,742.59 4,763.00 4,953.71

BAND

2.45 3.24 7.38 8.80 14.57 9.43 8.67 8.76 4.72 3.43 2.27 3.25 2.50 2.87 2.78 6.60 1.76 2.26 0.41 3.85

CUM.

2.45 5.69 13.07 21.87 36.44 45.87 54.54 63.30 68.02 71.45 73.72 76.97 79.47 82.34 85.12 91.72 93.47 95.74 96.15 100.00

PERCENTAGE f

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

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

BAND

CUM.

16.67 16.67 16.67 33.33 33.33 66.67 8.33 75.00 0.00 75.00 0.00 75.00 8.33 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 16.67 100.00

PERCENTAGE rp

22.50 63.61 168.24 199.42 0.00 0.00 838.70 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12,863.5 14,156.0

22.50 86.11 254.35 453.77 453.77 453.77 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 1,292.47 14,156.0

BAND

CUM.

PERCENTAGE BAND

0.16 0.16 18.56 0.45 0.61 39.60 1.19 1.80 46.04 1.41 3.21 45.74 0.00 3.21 0.00 0.00 3.21 0.00 5.92 9.13 195.25 0.00 9.13 0.00 0.00 9.13 0.00 0.00 9.13 0.00 0.00 9.13 0.00 0.00 9.13 0.00 0.00 9.13 0.00 0.00 9.13 0.00 0.00 9.13 0.00 0.00 9.13 0.00 0.00 9.13 0.00 0.00 9.13 0.00 0.00 9.13 0.00 90.87 100.00 6745.09

CUM

18.56 30.55 39.30 41.89 25.14 19.97 47.84 41.22 38.36 36.51 35.39 33.90 32.83 31.69 30.65 28.45 27.91 27.25 27.14 285.77

285.77

Page 91 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 22

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

BALI

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

2,887 2,742 3,047 1,802 2,319 1,546 1,203 975 612 361 251 299 143 256 133 173 138 47 71 20 19,025

2,887 5,629 8,676 10,478 12,797 14,343 15,546 16,521 17,133 17,494 17,745 18,044 18,187 18,443 18,576 18,749 18,887 18,934 19,005 19,025

BAND

CUM.

15.17 15.17 14.41 29.59 16.02 45.60 9.47 55.07 12.19 67.26 8.13 75.39 6.32 81.71 5.12 86.84 3.22 90.06 1.90 91.95 1.32 93.27 1.57 94.84 0.75 95.60 1.35 96.94 0.70 97.64 0.91 98.55 0.73 99.27 0.25 99.52 0.37 99.89 0.11 100.00

PERCENTAGE rp

1,042.74 553.64 1,165.38 1,128.61 2,120.49 1,973.83 2,043.13 2,268.07 1,838.92 1,386.88 1,074.40 1,543.47 1,227.51 2,226.84 1,564.74 1,915.41 -4,549.27 1,904.79 -4,332.36 22,299.41 40,396.64

1,042.74 1,596.38 2,761.76 3,890.37 6,010.86 7,984.69 10,027.82 12,295.89 14,134.81 15,521.69 16,596.09 18,139.56 19,367.08 21,593.91 23,158.66 25,074.06 20,524.79 22,429.59 18,097.23 40,396.64

BAND

2.58 1.37 2.88 2.79 5.25 4.89 5.06 5.61 4.55 3.43 2.66 3.82 3.04 5.51 3.87 4.74 -11.26 4.72 -10.72 55.20

PERCENTAGE

CUM.

2.58 3.95 6.84 9.63 14.88 19.77 24.82 30.44 34.99 38.42 41.08 44.90 47.94 53.45 57.33 62.07 50.81 55.52 44.80 100.00

10 10 2 12 1 13 7 20 3 23 4 27 8 35 7 42 5 47 2 49 5 54 1 55 2 57 7 64 4 68 10 78 12 90 7 97 8 105 9 114 114

BAND

CUM.

8.77 8.77 1.75 10.53 0.88 11.40 6.14 17.54 2.63 20.18 3.51 23.68 7.02 30.70 6.14 36.84 4.39 41.23 1.75 42.98 4.39 47.37 0.88 48.25 1.75 50.00 6.14 56.14 3.51 59.65 8.77 68.42 10.53 78.95 6.14 85.09 7.02 92.11 7.89 100.00

PERCENTAGE rp

554.95 68.31 0.88 207.22 30.85 3,435.55 857.54 158.00 15,048.04 18.36 289.40 5.50 2,710.66 420.69 1,982.99 3,594.57 3,257.08 1,157.71 670.96 278.10 34,747.37

554.95 623.26 624.14 831.36 862.21 4,297.76 5,155.31 5,313.30 20,361.34 20,379.71 20,669.11 20,674.61 23,385.27 23,805.96 25,788.95 29,383.52 32,640.60 33,798.32 34,469.27 34,747.37

BAND

CUM.

1.60 1.60 0.20 1.79 0.00 1.80 0.60 2.39 0.09 2.48 9.89 12.37 2.47 14.84 0.45 15.29 43.31 58.60 0.05 58.65 0.83 59.48 0.02 59.50 7.80 67.30 1.21 68.51 5.71 74.22 10.34 84.56 9.37 93.94 3.33 97.27 1.93 99.20 0.80 100.00

PERCENTAGE BAND

CUM

53.22 12.34 0.08 18.36 1.46 174.06 41.97 6.97 818.31 1.32 26.94 0.36 220.82 18.89 126.73 187.67 -71.6 60.78 -15.49 1.25

53.22 39.04 22.60 21.37 14.34 53.83 51.41 43.21 144.05 131.30 124.54 113.98 120.75 110.24 111.36 117.19 159.03 150.69 190.47 86.02

86.02

Page 92 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 23

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

NUSA TEGGARA BARAT

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,284 1,358 1,192 570 550 303 169 169 95 27 38 37 26 30 13 9 16 11 3 1 5,901

1,284 2,642 3,834 4,404 4,954 5,257 5,426 5,595 5,690 5,717 5,755 5,792 5,818 5,848 5,861 5,870 5,886 5,897 5,900 5,901

BAND

CUM.

21.76 21.76 23.01 44.77 20.20 64.97 9.66 74.63 9.32 83.95 5.13 89.09 2.86 91.95 2.86 94.81 1.61 96.42 0.46 96.88 0.64 97.53 0.63 98.15 0.44 98.59 0.51 99.10 0.22 99.32 0.15 99.47 0.27 99.75 0.19 99.93 0.05 99.98 0.02 100.00

PERCENTAGE rp

269.55 289.88 568.30 508.36 714.58 609.56 412.55 577.88 329.77 128.73 309.94 579.09 268.12 467.24 138.84 35.99 250.61 143.10 101.00 0.00 6,703.09

269.55 559.43 1,127.73 1,636.09 2,350.68 2,960.23 3,372.78 3,950.66 4,280.43 4,409.16 4,719.10 5,298.19 5,566.31 6,033.55 6,172.39 6,208.38 6,458.99 6,602.08 6,703.09 6,703.09

BAND

4.02 4.32 8.48 7.58 10.66 9.09 6.15 8.62 4.92 1.92 4.62 8.64 4.00 6.97 2.07 0.54 3.74 2.13 1.51 0.00

PERCENTAGE

CUM.

4.02 8.35 16.82 24.41 35.07 44.16 50.32 58.94 63.86 65.78 70.40 79.04 83.04 90.01 92.08 92.62 96.36 98.49 100.00 100.00

1 0 3 2 0 1 3 16 0 0 0 24 0 1 0 0 4 2 1 0 58

BAND

CUM.

1 1.72 1.72 1 0.00 1.72 4 5.17 6.90 6 3.45 10.34 6 0.00 10.34 7 1.72 12.07 10 5.17 17.24 26 27.59 44.83 26 0.00 44.83 26 0.00 44.83 26 0.00 44.83 50 41.38 86.21 50 0.00 86.21 51 1.72 87.93 51 0.00 87.93 51 0.00 87.93 55 6.90 94.83 57 3.45 98.28 58 1.72 100.00 58 0.00 100.00

PERCENTAGE rp

9.59 0.00 8.65 83.93 0.00 3.79 750.69 194.97 0.00 0.00 0.00 62.39 0.00 4.56 0.00 0.00 1,798.46 0.00 81.94 0.00 2,998.99

9.59 9.59 18.25 102.18 102.18 105.96 856.66 1,051.63 1,051.63 1,051.63 1,051.63 1,114.02 1,114.02 1,118.58 1,118.58 1,118.58 2,917.05 2,917.05 2,998.99 2,998.99

BAND

CUM.

0.32 0.32 0.00 0.32 0.29 0.61 2.80 3.41 0.00 3.41 0.13 3.53 25.03 28.56 6.50 35.07 0.00 35.07 0.00 35.07 0.00 35.07 2.08 37.15 0.00 37.15 0.15 37.30 0.00 37.30 0.00 37.30 59.97 97.27 0.00 97.27 2.73 100.00 0.00 100.00

PERCENTAGE BAND

3.56 0.00 1.52 16.51 0.00 0.62 181.96 33.74 0.00 0.00 0.00 10.77 0.00 0.98 0.00 0.00 717.63 0.00 81.13 0.00

CUM

3.56 1.72 1.62 6.25 4.35 3.58 25.40 26.62 24.57 23.85 22.28 21.03 20.01 18.54 18.12 18.02 45.16 44.18 44.74 44.74

44.74

Page 93 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 24

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

NUSA TENGGARA TIMUR

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

563 723 740 413 448 273 161 142 60 36 31 23 13 17 5 10 9 3 2 1 3,673

563 1,286 2,026 2,439 2,887 3,160 3,321 3,463 3,523 3,559 3,590 3,613 3,626 3,643 3,648 3,658 3,667 3,670 3,672 3,673

BAND

CUM.

15.33 15.33 19.68 35.01 20.15 55.16 11.24 66.40 12.20 78.60 7.43 86.03 4.38 90.42 3.87 94.28 1.63 95.92 0.98 96.90 0.84 97.74 0.63 98.37 0.35 98.72 0.46 99.18 0.14 99.32 0.27 99.59 0.25 99.84 0.08 99.92 0.05 99.97 0.03 100.00

PERCENTAGE rp

98.35 191.36 451.23 423.87 803.18 691.78 572.27 581.94 334.67 200.97 293.86 196.93 166.15 176.10 50.26 237.28 120.97 31.09 173.50 0.00 5,795.76

98.35 289.71 740.94 1,164.81 1,967.99 2,659.77 3,232.04 3,813.97 4,148.65 4,349.62 4,643.48 4,840.41 5,006.56 5,182.66 5,232.92 5,470.19 5,591.17 5,622.26 5,795.76 5,795.76

BAND

1.70 3.30 7.79 7.31 13.86 11.94 9.87 10.04 5.77 3.47 5.07 3.40 2.87 3.04 0.87 4.09 2.09 0.54 2.99 0.00

CUM.

1.70 5.00 12.78 20.10 33.96 45.89 55.77 65.81 71.58 75.05 80.12 83.52 86.38 89.42 90.29 94.38 96.47 97.01 100.00 100.00

PERCENTAGE f

0 1 1 1 0 0 1 0 0 0 0 0 0 2 0 0 0 1 0 0 7

BAND

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

CUM.

PERCENTAGE rp

0.00 0.00 0.00 14.29 14.29 81.16 14.29 28.57 9.52 14.29 42.86 4.55 0.00 42.86 0.00 0.00 42.86 0.00 14.29 57.14 129.27 0.00 57.14 0.00 0.00 57.14 0.00 0.00 57.14 0.00 0.00 57.14 0.00 0.00 57.14 0.00 0.00 57.14 0.00 28.57 85.71 60.42 0.00 85.71 0.00 0.00 85.71 0.00 0.00 85.71 0.00 14.29 100.00 67.18 0.00 100.00 0.00 0.00 100.00 0.00 352.10

0.00 81.16 90.69 95.24 95.24 95.24 224.51 224.51 224.51 224.51 224.51 224.51 224.51 284.93 284.93 284.93 284.93 352.10 352.10 352.10

BAND

CUM.

0.00 0.00 23.05 23.05 2.70 25.76 1.29 27.05 0.00 27.05 0.00 27.05 36.71 63.76 0.00 63.76 0.00 63.76 0.00 63.76 0.00 63.76 0.00 63.76 0.00 63.76 17.16 80.92 0.00 80.92 0.00 80.92 0.00 80.92 19.08 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

0.00 42.41 2.11 1.07 0.00 0.00 22.59 0.00 0.00 0.00 0.00 0.00 0.00 34.31 0.00 0.00 0.00 216.06 0.00 0.00

CUM

0.00 28.02 12.24 8.18 4.84 3.58 6.95 5.89 5.41 5.16 4.83 4.64 4.48 5.50 5.44 5.21 5.10 6.26 6.08 6.08

6.08

Page 94 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 25

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

MALUKU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

141 196 220 121 154 91 73 66 36 18 9 19 6 8 16 13 8 1 5 0 1,201

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

BAND

CUM.

11.74 11.74 16.32 28.06 18.32 46.38 10.07 56.45 12.82 69.28 7.58 76.85 6.08 82.93 5.50 88.43 3.00 91.42 1.50 92.92 0.75 93.67 1.58 95.25 0.50 95.75 0.67 96.42 1.33 97.75 1.08 98.83 0.67 99.50 0.08 99.58 0.42 100.00 0.00 100.00

PERCENTAGE rp

19.79 48.90 136.26 129.33 258.72 204.34 243.55 320.78 210.82 162.12 125.69 218.12 83.84 48.06 116.98 263.81 67.05 24.23 150.51 0.00 2,832.90

19.79 68.69 204.95 334.28 593.01 797.34 1,040.90 1,361.67 1,572.49 1,734.61 1,860.30 2,078.41 2,162.25 2,210.32 2,327.30 2,591.11 2,658.16 2,682.39 2,832.90 2,832.90

BAND

0.70 1.73 4.81 4.57 9.13 7.21 8.60 11.32 7.44 5.72 4.44 7.70 2.96 1.70 4.13 9.31 2.37 0.86 5.31 0.00

CUM.

0.70 2.42 7.23 11.80 20.93 28.15 36.74 48.07 55.51 61.23 65.67 73.37 76.33 78.02 82.15 91.47 93.83 94.69 100.00 100.00

PERCENTAGE f

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

BAND

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.67 0.00 16.67 16.67 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00

PERCENTAGE

CUM.

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 726.04 0.00 913.62 154.63 0.00 0.00 0.00 0.00 0.00 299.12 0.00 0.00 0.00 2,093.41

0.00 0.00 0.00 0.00 0.00 0.00 0.00 726.04 726.04 1,639.66 1,794.29 1,794.29 1,794.29 1,794.29 1,794.29 1,794.29 2,093.41 2,093.41 2,093.41 2,093.41

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 34.68 0.00 43.64 7.39 0.00 0.00 0.00 0.00 0.00 14.29 0.00 0.00 0.00

CUM.

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

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 226.34 0.00 563.56 123.03 0.00 0.00 0.00 0.00 0.00 446.13 0.00 0.00 0.00

CUM

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

73.90

Page 95 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 26

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

IRIAN JAYA

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

332 431 586 426 453 302 224 158 98 54 49 44 40 31 19 18 10 7 3 1 3,286

332 763 1,349 1,775 2,228 2,530 2,754 2,912 3,010 3,064 3,113 3,157 3,197 3,228 3,247 3,265 3,275 3,282 3,285 3,286

BAND

CUM.

10.10 10.10 13.12 23.22 17.83 41.05 12.96 54.02 13.79 67.80 9.19 76.99 6.82 83.81 4.81 88.62 2.98 91.60 1.64 93.24 1.49 94.74 1.34 96.07 1.22 97.29 0.94 98.23 0.58 98.81 0.55 99.36 0.30 99.67 0.21 99.88 0.09 99.97 0.03 100.00

PERCENTAGE rp

122.51 129.34 338.01 515.95 881.34 912.65 937.14 880.46 614.14 381.01 405.42 473.37 415.53 498.67 436.98 447.90 195.23 118.42 89.01 0.00 8,793.09

122.51 251.85 589.86 1,105.81 1,987.15 2,899.80 3,836.94 4,717.41 5,331.54 5,712.56 6,117.98 6,591.35 7,006.88 7,505.55 7,942.54 8,390.43 8,585.66 8,704.08 8,793.09 8,793.09

BAND

1.39 1.47 3.84 5.87 10.02 10.38 10.66 10.01 6.98 4.33 4.61 5.38 4.73 5.67 4.97 5.09 2.22 1.35 1.01 0.00

CUM.

1.39 2.86 6.71 12.58 22.60 32.98 43.64 53.65 60.63 64.97 69.58 74.96 79.69 85.36 90.33 95.42 97.64 98.99 100.00 100.00

PERCENTAGE f

1 2 3 0 4 0 3 1 0 2 0 0 1 0 0 0 0 0 0 0 17

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

BAND

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

CUM.

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

PERCENTAGE rp

105.84 118.13 297.20 0.00 296.23 0.00 1,528.57 66.98 0.00 63.26 0.00 0.00 2,619.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5,095.61

105.84 223.96 521.16 521.16 817.39 817.39 2,345.97 2,412.94 2,412.94 2,476.20 2,476.20 2,476.20 5,095.61 5,095.61 5,095.61 5,095.61 5,095.61 5,095.61 5,095.61 5,095.61

BAND

2.08 2.32 5.83 0.00 5.81 0.00 30.00 1.31 0.00 1.24 0.00 0.00 51.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

2.08 4.40 10.23 10.23 16.04 16.04 46.04 47.35 47.35 48.59 48.59 48.59 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

86.39 91.33 87.93 0.00 33.61 0.00 163.11 7.61 0.00 16.60 0.00 0.00 630.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

86.39 88.93 88.35 47.13 41.13 28.19 61.14 51.15 45.26 43.35 40.47 37.57 72.72 67.89 64.16 60.73 59.35 58.54 57.95 57.95

57.95

Page 96 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/092009

MALUKU UTARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

83 100 128 44 76 81 49 61 29 12 8 11 6 4 3 3 1 1 0 0 700

BAND

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

CUM.

11.86 11.86 14.29 26.14 18.29 44.43 6.29 50.71 10.86 61.57 11.57 73.14 7.00 80.14 8.71 88.86 4.14 93.00 1.71 94.71 1.14 95.86 1.57 97.43 0.86 98.29 0.57 98.86 0.43 99.29 0.43 99.71 0.14 99.86 0.14 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

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

30.17 50.08 112.73 156.98 289.86 446.60 639.73 954.56 1,154.23 1,259.00 1,348.92 1,441.32 1,554.00 1,661.18 1,721.25 1,807.82 1,810.03 1,816.10 1,816.10 1,816.10

BAND

1.66 1.10 3.45 2.44 7.32 8.63 10.63 17.34 10.99 5.77 4.95 5.09 6.20 5.90 3.31 4.77 0.12 0.33 0.00 0.00

CUM.

1.66 2.76 6.21 8.64 15.96 24.59 35.23 52.56 63.56 69.32 74.28 79.36 85.57 91.47 94.78 99.54 99.67 100.00 100.00 100.00

PERCENTAGE f

0 0 1 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 3

BAND

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

0.00 0.00 33.33 0.00 0.00 33.33 33.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE

CUM.

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 20.00 0.00 0.00 73.70 37.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 131.66

0.00 0.00 20.00 20.00 20.00 93.70 131.66 131.66 131.66 131.66 131.66 131.66 131.66 131.66 131.66 131.66 131.66 131.66 131.66 131.66

BAND

0.00 0.00 15.19 0.00 0.00 55.97 28.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

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

PERCENTAGE BAND

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

CUM

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

7.25

Page 97 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 28

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

IRIAN JAYA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

279 312 398 188 202 121 72 55 33 11 12 12 10 13 6 6 8 0 0 0 1,738

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

BAND

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

CUM.

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

PERCENTAGE rp

31.77 61.41 139.33 136.91 331.80 335.54 247.21 242.94 214.84 55.76 63.14 71.02 137.55 170.95 253.60 188.16 318.54 0.00 0.00 0.00 3,000.45

31.77 93.18 232.50 369.42 701.22 1,036.76 1,283.96 1,526.90 1,741.74 1,797.50 1,860.64 1,931.66 2,069.21 2,240.15 2,493.75 2,681.92 3,000.45 3,000.45 3,000.45 3,000.45

BAND

1.06 2.05 4.64 4.56 11.06 11.18 8.24 8.10 7.16 1.86 2.10 2.37 4.58 5.70 8.45 6.27 10.62 0.00 0.00 0.00

CUM.

1.06 3.11 7.75 12.31 23.37 34.55 42.79 50.89 58.05 59.91 62.01 64.38 68.96 74.66 83.11 89.38 100.00 100.00 100.00 100.00

PERCENTAGE f

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

BAND

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

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

CUM.

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

PERCENTAGE rp

0.00 0.00 0.00 0.00 293.56 479.96 0.00 0.00 163.98 0.00 0.00 0.00 4.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 941.99

0.00 0.00 0.00 0.00 293.56 773.51 773.51 773.51 937.49 937.49 937.49 937.49 941.99 941.99 941.99 941.99 941.99 941.99 941.99 941.99

BAND

0.00 0.00 0.00 0.00 31.16 50.95 0.00 0.00 17.41 0.00 0.00 0.00 0.48 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 31.16 82.11 82.11 82.11 99.52 99.52 99.52 99.52 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 88.47 143.04 0.00 0.00 76.33 0.00 0.00 0.00 3.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

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

31.39

Page 98 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 29

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

BANTEN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

6,841 6,987 9,280 5,743 5,366 2,403 1,592 1,345 812 464 498 569 447 543 380 594 610 273 267 98 45,112

6,841 13,828 23,108 28,851 34,217 36,620 38,212 39,557 40,369 40,833 41,331 41,900 42,347 42,890 43,270 43,864 44,474 44,747 45,014 45,112

BAND

CUM.

15.16 15.16 15.49 30.65 20.57 51.22 12.73 63.95 11.89 75.85 5.33 81.18 3.53 84.70 2.98 87.69 1.80 89.49 1.03 90.51 1.10 91.62 1.26 92.88 0.99 93.87 1.20 95.07 0.84 95.92 1.32 97.23 1.35 98.59 0.61 99.19 0.59 99.78 0.22 100.00

PERCENTAGE rp

3,882.90 1,168.20 2,771.60 2,982.06 4,301.57 2,751.80 2,839.09 3,481.43 2,687.06 2,066.45 2,348.73 3,110.48 3,265.70 4,541.46 3,707.83 8,465.72 11,404.80 5,118.90 6,834.47 46,444.09 124,174.35

3,882.90 5,051.09 7,822.70 10,804.76 15,106.33 17,858.13 20,697.22 24,178.65 26,865.71 28,932.16 31,280.89 34,391.37 37,657.07 42,198.53 45,906.36 54,372.08 65,776.89 70,895.79 77,730.26 124,174.35

BAND

3.13 0.94 2.23 2.40 3.46 2.22 2.29 2.80 2.16 1.66 1.89 2.50 2.63 3.66 2.99 6.82 9.18 4.12 5.50 37.40

CUM.

PERCENTAGE f

3.13 54 4.07 28 6.30 43 8.70 34 12.17 22 14.38 12 16.67 12 19.47 18 21.64 11 23.30 9 25.19 9 27.70 16 30.33 18 33.98 36 36.97 21 43.79 37 52.97 55 57.09 27 62.60 44 100.00 101 607

54 82 125 159 181 193 205 223 234 243 252 268 286 322 343 380 435 462 506 607

BAND

8.90 4.61 7.08 5.60 3.62 1.98 1.98 2.97 1.81 1.48 1.48 2.64 2.97 5.93 3.46 6.10 9.06 4.45 7.25 16.64

CUM.

8.90 13.51 20.59 26.19 29.82 31.80 33.77 36.74 38.55 40.03 41.52 44.15 47.12 53.05 56.51 62.60 71.66 76.11 83.36 100.00

PERCENTAGE rp

14,280.48 732.98 1,681.15 14,798.55 1,053.27 634.17 3,064.60 6,104.49 2,500.22 633.55 3,496.53 5,990.77 10,208.32 20,536.46 10,394.54 25,181.01 53,221.84 19,929.74 68,096.53 111,221.36 373,760.56

14,280.48 15,013.46 16,694.61 31,493.16 32,546.43 33,180.60 36,245.20 42,349.69 44,849.91 45,483.46 48,979.99 54,970.76 65,179.08 85,715.54 96,110.08 121,291.09 174,512.93 194,442.67 262,539.20 373,760.56

BAND

3.82 0.20 0.45 3.96 0.28 0.17 0.82 1.63 0.67 0.17 0.94 1.60 2.73 5.49 2.78 6.74 14.24 5.33 18.22 29.76

PERCENTAGE

CUM.

BAND

CUM

3.82 4.02 4.47 8.43 8.71 8.88 9.70 11.33 12.00 12.17 13.10 14.71 17.44 22.93 25.71 32.45 46.69 52.02 70.24 100.0

367.78 62.74 60.66 496.25 24.49 23.05 107.94 175.34 93.05 30.66 148.87 192.60 312.59 452.20 280.34 297.45 466.66 389.34 996.37 239.47

367.78 297.23 213.41 291.47 215.45 185.80 175.12 175.15 166.94 157.21 156.58 159.84 173.09 203.12 209.36 223.08 265.31 274.27 337.76 301.00

301.00

Page 99 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 30

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

BANGKA BELITUNG

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

317 306 412 238 261 137 87 73 35 15 15 19 14 13 11 6 7 10 6 3 1,985

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

BAND

CUM.

15.97 15.97 15.42 31.39 20.76 52.14 11.99 64.13 13.15 77.28 6.90 84.18 4.38 88.56 3.68 92.24 1.76 94.01 0.76 94.76 0.76 95.52 0.96 96.47 0.71 97.18 0.65 97.83 0.55 98.39 0.30 98.69 0.35 99.04 0.50 99.55 0.30 99.85 0.15 100.00

PERCENTAGE rp

122.85 61.02 169.48 175.92 358.24 239.09 178.93 229.34 148.62 66.23 70.82 99.84 73.70 146.97 69.22 55.58 41.80 291.39 30.36 44.22 2,673.62

122.85 183.87 353.35 529.27 887.51 1,126.60 1,305.53 1,534.87 1,683.49 1,749.71 1,820.54 1,920.37 1,994.07 2,141.04 2,210.26 2,265.85 2,307.64 2,599.03 2,629.39 2,673.62

BAND

4.59 2.28 6.34 6.58 13.40 8.94 6.69 8.58 5.56 2.48 2.65 3.73 2.76 5.50 2.59 2.08 1.56 10.90 1.14 1.65

CUM.

4.59 6.88 13.22 19.80 33.20 42.14 48.83 57.41 62.97 65.44 68.09 71.83 74.58 80.08 82.67 84.75 86.31 97.21 98.35 100.00

PERCENTAGE f

1 0 4 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 7

BAND

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

14.29 0.00 57.14 14.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.29 0.00

CUM.

14.29 14.29 71.43 85.71 85.71 85.71 85.71 85.71 85.71 85.71 85.71 85.71 85.71 85.71 85.71 85.71 85.71 85.71 100.00 100.00

PERCENTAGE rp

2.94 0.00 625.84 51.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 20.91 0.00 700.69

2.94 2.94 628.77 679.78 679.78 679.78 679.78 679.78 679.78 679.78 679.78 679.78 679.78 679.78 679.78 679.78 679.78 679.78 700.69 700.69

BAND

0.42 0.00 89.32 7.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.98 0.00

PERCENTAGE

CUM.

BAND

CUM

0.42 0.42 89.74 97.02 97.02 97.02 97.02 97.02 97.02 97.02 97.02 97.02 97.02 97.02 97.02 97.02 97.02 97.02 100.00 100.00

2.39 0.00 369.27 28.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 68.87 0.00

2.39 1.60 177.95 128.44 76.59 60.34 52.07 44.29 40.38 38.85 37.34 35.40 34.09 31.75 30.76 30.00 29.46 26.16 26.65 26.21

26.21

Page 100 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 31

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

GORONTALO

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

273 336 362 158 157 98 74 59 28 17 24 16 9 2 8 1 1 2 1 0 1,626

273 609 971 1,129 1,286 1,384 1,458 1,517 1,545 1,562 1,586 1,602 1,611 1,613 1,621 1,622 1,623 1,625 1,626 1,626

BAND

CUM.

16.79 16.79 20.66 37.45 22.26 59.72 9.72 69.43 9.66 79.09 6.03 85.12 4.55 89.67 3.63 93.30 1.72 95.02 1.05 96.06 1.48 97.54 0.98 98.52 0.55 99.08 0.12 99.20 0.49 99.69 0.06 99.75 0.06 99.82 0.12 99.94 0.06 100.00 0.00 100.00

PERCENTAGE rp

32.16 57.29 150.54 109.23 181.52 192.76 202.63 208.21 147.05 94.07 109.62 178.12 137.47 13.65 123.53 13.78 31.63 34.09 23.93 0.00 2,041.29

32.16 89.45 239.99 349.22 530.75 723.51 926.14 1,134.35 1,281.40 1,375.47 1,485.09 1,663.21 1,800.68 1,814.33 1,937.86 1,951.64 1,983.27 2,017.36 2,041.29 2,041.29

BAND

1.58 2.81 7.37 5.35 8.89 9.44 9.93 10.20 7.20 4.61 5.37 8.73 6.73 0.67 6.05 0.68 1.55 1.67 1.17 0.00

CUM.

1.58 4.38 11.76 17.11 26.00 35.44 45.37 55.57 62.77 67.38 72.75 81.48 88.21 88.88 94.93 95.61 97.16 98.83 100.00 100.00

PERCENTAGE f

3 2 2 1 0 1 2 0 0 0 0 0 0 0 0 0 0 0 0 0 11

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

BAND

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

PERCENTAGE

CUM.

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

44.44 121.61 170.59 11.68 0.00 87.66 991.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,427.86

44.44 166.05 336.64 348.32 348.32 435.98 1,427.86 1,427.86 1,427.86 1,427.86 1,427.86 1,427.86 1,427.86 1,427.86 1,427.86 1,427.86 1,427.86 1,427.86 1,427.86 1,427.86

BAND

3.11 8.52 11.95 0.82 0.00 6.14 69.47 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

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

PERCENTAGE BAND

138.19 212.28 113.32 10.69 0.00 45.48 489.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

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

69.95

Page 101 of 204

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

PROVINCE

: 32

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

KEPULAUAN RIAU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

1,635 1,759 2,501 1,663 1,716 700 403 344 200 110 84 93 70 104 77 91 78 58 38 29 11,753

1,635 3,394 5,895 7,558 9,274 9,974 10,377 10,721 10,921 11,031 11,115 11,208 11,278 11,382 11,459 11,550 11,628 11,686 11,724 11,753

BAND

CUM.

13.91 13.91 14.97 28.88 21.28 50.16 14.15 64.31 14.60 78.91 5.96 84.86 3.43 88.29 2.93 91.22 1.70 92.92 0.94 93.86 0.71 94.57 0.79 95.36 0.60 95.96 0.88 96.84 0.66 97.50 0.77 98.27 0.66 98.94 0.49 99.43 0.32 99.75 0.25 100.00

PERCENTAGE rp

1,341.99 332.63 1,098.35 1,375.15 2,284.07 1,380.23 1,062.09 1,267.03 864.43 620.64 467.90 656.69 650.14 899.10 720.23 1,211.31 1,460.22 1,424.96 2,818.36 242.31 22,177.82

1,341.99 1,674.62 2,772.97 4,148.12 6,432.19 7,812.41 8,874.51 10,141.54 11,005.96 11,626.60 12,094.50 12,751.19 13,401.33 14,300.43 15,020.66 16,231.97 17,692.19 19,117.15 21,935.51 22,177.82

BAND

6.05 1.50 4.95 6.20 10.30 6.22 4.79 5.71 3.90 2.80 2.11 2.96 2.93 4.05 3.25 5.46 6.58 6.43 12.71 1.09

PERCENTAGE

CUM.

6.05 7.55 12.50 18.70 29.00 35.23 40.02 45.73 49.63 52.42 54.53 57.50 60.43 64.48 67.73 73.19 79.77 86.20 98.91 100.00

11 0 2 1 0 1 0 0 3 0 1 0 1 2 2 1 5 9 4 3 46

11 11 13 14 14 15 15 15 18 18 19 19 20 22 24 25 30 39 43 46

BAND

23.91 0.00 4.35 2.17 0.00 2.17 0.00 0.00 6.52 0.00 2.17 0.00 2.17 4.35 4.35 2.17 10.87 19.57 8.70 6.52

CUM.

23.91 23.91 28.26 30.43 30.43 32.61 32.61 32.61 39.13 39.13 41.30 41.30 43.48 47.83 52.17 54.35 65.22 84.78 93.48 100.00

PERCENTAGE rp

194.92 0.00 94.10 32.21 0.00 0.97 0.00 0.00 86.68 0.00 13.29 0.00 1.24 2,323.27 52.28 558.09 1,123.38 6,133.82 5,182.62 3,776.86 19,573.72

194.92 194.92 289.02 321.23 321.23 322.20 322.20 322.20 408.88 408.88 422.17 422.17 423.41 2,746.69 2,798.96 3,357.05 4,480.43 10,614.25 15,796.87 19,573.72

BAND

CUM.

1.00 0.00 0.48 0.16 0.00 0.00 0.00 0.00 0.44 0.00 0.07 0.00 0.01 11.87 0.27 2.85 5.74 31.34 26.48 19.30

1.00 1.00 1.48 1.64 1.64 1.65 1.65 1.65 2.09 2.09 2.16 2.16 2.16 14.03 14.30 17.15 22.89 54.23 80.70 100.0

PERCENTAGE BAND

14.52 0.00 8.57 2.34 0.00 0.07 0.00 0.00 10.03 0.00 2.84 0.00 0.19 258.40 7.26 46.07 76.93 430.45 183.89 1558.66

CUM

14.52 11.64 10.42 7.74 4.99 4.12 3.63 3.18 3.72 3.52 3.49 3.31 3.16 19.21 18.63 20.68 25.32 55.52 72.02 88.26

88.26

Page 102 of 204

RISK AND LOSS PROFILE 2007

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

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: All Code

SUM INSURED BAND

PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2007

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

DATA POSITION FROM

PERCENTAGE f

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

163,559 152,605 181,398 111,169 119,055 61,003 42,484 33,274 19,040 10,185 8,206 9,456 6,422 8,303 5,425 8,460 6,946 3,348 3,469 1,324 955,131

163,559 316,164 497,562 608,731 727,786 788,789 831,273 864,547 883,587 893,772 901,978 911,434 917,856 926,159 931,584 940,044 946,990 950,338 953,807 955,131

BAND

CUM.

17.12 17.12 15.98 33.10 18.99 52.09 11.64 63.73 12.46 76.20 6.39 82.58 4.45 87.03 3.48 90.52 1.99 92.51 1.07 93.58 0.86 94.44 0.99 95.43 0.67 96.10 0.87 96.97 0.57 97.53 0.89 98.42 0.73 99.15 0.35 99.50 0.36 99.86 0.14 100.00

PERCENTAGE rp

83,939.41 37,915.63 73,593.55 74,351.10 115,484.63 83,365.74 83,652.89 83,974.26 62,731.99 43,707.51 38,620.73 52,624.48 41,861.87 69,794.16 50,539.42 112,686.85 122,863.51 71,485.65 98,975.25 468,473.40

BAND

CUM.

83,939.41 4.49 4.49 121,855.04 2.03 6.51 195,448.59 3.93 10.45 269,799.69 3.97 14.42 385,284.31 6.17 20.60 468,650.06 4.46 25.05 552,302.95 4.47 29.52 636,277.20 4.49 34.01 699,009.19 3.35 37.37 742,716.70 2.34 39.70 781,337.43 2.06 41.77 833,961.91 2.81 44.58 875,823.78 2.24 46.82 945,617.93 3.73 50.55 996,157.35 2.70 53.25 1,108,844.21 6.02 59.28 1,231,707.72 6.57 65.84 1,303,193.38 3.82 69.67 1,402,168.63 5.29 74.96 1,870,642.03 25.04 100.00

1,870,642.03

PERCENTAGE f

699 206 316 287 386 286 223 274 167 107 103 180 187 251 154 298 401 343 419 535 5,822

BAND

CUM.

699 12.01 12.01 905 3.54 15.54 1,221 5.43 20.97 1,508 4.93 25.90 1,894 6.63 32.53 2,180 4.91 37.44 2,403 3.83 41.27 2,677 4.71 45.98 2,844 2.87 48.85 2,951 1.84 50.69 3,054 1.77 52.46 3,234 3.09 55.55 3,421 3.21 58.76 3,672 4.31 63.07 3,826 2.65 65.72 4,124 5.12 70.83 4,525 6.89 77.72 4,868 5.89 83.61 5,287 7.20 90.81 5,822 9.19 100.00

PERCENTAGE rp

265,637.65 13,697.49 30,872.42 16,986.27 27,873.29 26,534.72 33,072.95 50,174.66 33,495.03 18,781.52 23,364.67 23,265.26 63,581.11 59,589.89 56,136.93 105,200.33 555,796.39 234,009.10 232,065.65 859,393.59 2,729,528.92

265,637.65 279,335.13 310,207.55 327,193.82 355,067.12 381,601.84 414,674.79 464,849.45 498,344.48 517,126.00 540,490.67 563,755.93 627,337.04 686,926.93 743,063.85 848,264.19 1,404,060.57 1,638,069.67 1,870,135.32 2,729,528.90

BAND

9.73 0.50 1.13 0.62 1.02 0.97 1.21 1.84 1.23 0.69 0.86 0.85 2.33 2.18 2.06 3.85 20.36 8.57 8.50 31.49

CUM.

9.73 10.23 11.36 11.99 13.01 13.98 15.19 17.03 18.26 18.95 19.80 20.65 22.98 25.17 27.22 31.08 51.44 60.01 68.51 100.00

PERCENTAGE BAND

316.46 36.13 41.95 22.85 24.14 31.83 39.54 59.75 53.39 42.97 60.50 44.21 151.88 85.38 111.08 93.36 452.37 327.35 234.47 183.45

CUM

316.46 229.24 158.72 121.27 92.16 81.43 75.08 73.06 71.29 69.63 69.18 67.60 71.63 72.64 74.59 76.50 113.99 125.70 133.37 145.91

145.91

Catatan / Note : Data belum termasuk Klaim Fire yang tidak ada Polisnya Rp. 195.714.126,12, - Freq. Klaim 56 ( Data not Include Claim Fire no Policy Rp. 195.714.126,12 - Freq Claim 56 )

Page 103 of 204

RISK AND LOSS PROFILE 2007 GROUP BY CLASS OF BUSINESS

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

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

:FIRE

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2007

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

140,188 144,453 170,133 101,785 105,413 50,459 33,201 23,967 12,648 6,255 4,746 5,162 3,222 3,869 2,329 3,100 2,231 906 1,010 475 815,552

140,188 284,641 454,774 556,559 661,972 712,431 745,632 769,599 782,247 788,502 793,248 798,410 801,632 805,501 807,830 810,930 813,161 814,067 815,077 815,552

BAND

CUM.

17.19 17.19 17.71 34.90 20.86 55.76 12.48 68.24 12.93 81.17 6.19 87.36 4.07 91.43 2.94 94.37 1.55 95.92 0.77 96.68 0.58 97.27 0.63 97.90 0.40 98.29 0.47 98.77 0.29 99.05 0.38 99.43 0.27 99.71 0.11 99.82 0.12 99.94 0.06 100.00

PERCENTAGE rp

46,081.79 33,302.39 69,864.72 69,821.30 105,489.56 73,130.43 70,403.81 66,435.14 47,214.55 31,819.56 27,104.45 34,561.39 26,111.09 37,362.79 26,420.58 49,017.58 47,646.83 20,305.00 27,838.26 11,934.60 921,865.83

46,081.79 79,384.19 149,248.91 219,070.21 324,559.77 397,690.19 468,094.00 534,529.14 581,743.69 613,563.25 640,667.70 675,229.09 701,340.19 738,702.98 765,123.56 814,141.14 861,787.97 882,092.97 909,931.23 921,865.83

BAND

5.00 3.61 7.58 7.57 11.44 7.93 7.64 7.21 5.12 3.45 2.94 3.75 2.83 4.05 2.87 5.32 5.17 2.20 3.02 1.29

CUM.

5.00 8.61 16.19 23.76 35.21 43.14 50.78 57.98 63.11 66.56 69.50 73.25 76.08 80.13 83.00 88.31 93.48 95.69 98.71 100.00

PERCENTAGE f

305 122 204 155 218 153 96 125 69 43 37 44 50 56 51 90 86 56 57 62 2,079

305 427 631 786 1,004 1,157 1,253 1,378 1,447 1,490 1,527 1,571 1,621 1,677 1,728 1,818 1,904 1,960 2,017 2,079

BAND

CUM.

14.67 14.67 5.87 20.54 9.81 30.35 7.46 37.81 10.49 48.29 7.36 55.65 4.62 60.27 6.01 66.28 3.32 69.60 2.07 71.67 1.78 73.45 2.12 75.57 2.41 77.97 2.69 80.66 2.45 83.12 4.33 87.45 4.14 91.58 2.69 94.28 2.74 97.02 2.98 100.00

PERCENTAGE rp

25,962.62 5,516.02 27,902.64 14,347.21 21,163.90 18,499.88 23,323.29 36,243.18 20,718.74 12,983.01 7,952.23 11,737.14 12,966.51 23,644.84 24,174.16 14,832.68 415,999.10 91,435.65 65,469.66 8,828.40 883,700.86

25,962.62 31,478.65 59,381.29 73,728.50 94,892.41 113,392.28 136,715.57 172,958.75 193,677.49 206,660.50 214,612.73 226,349.87 239,316.38 262,961.22 287,135.38 301,968.06 717,967.15 809,402.80 874,872.46 883,700.86

BAND

2.94 0.62 3.16 1.62 2.39 2.09 2.64 4.10 2.34 1.47 0.90 1.33 1.47 2.68 2.74 1.68 47.07 10.35 7.41 1.00

PERCENTAGE

CUM.

BAND

2.94 3.56 6.72 8.34 10.74 12.83 15.47 19.57 21.92 23.39 24.29 25.61 27.08 29.76 32.49 34.17 81.25 91.59 99.00 100.00

56.34 16.56 39.94 20.55 20.06 25.30 33.13 54.55 43.88 40.80 29.34 33.96 49.66 63.28 91.50 30.26 873.09 450.31 235.18 73.97

CUM

56.34 39.65 39.79 33.66 29.24 28.51 29.21 32.36 33.29 33.68 33.50 33.52 34.12 35.60 37.53 37.09 83.31 91.76 96.15 95.86

95.86

Page 104 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

:I.A.R

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2007

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

15,205 5,617 7,296 6,536 9,927 7,600 6,664 6,571 4,371 2,691 2,289 2,924 2,051 2,802 1,914 3,400 2,920 1,522 1,502 496 94,298

15,205 20,822 28,118 34,654 44,581 52,181 58,845 65,416 69,787 72,478 74,767 77,691 79,742 82,544 84,458 87,858 90,778 92,300 93,802 94,298

BAND

CUM.

16.12 16.12 5.96 22.08 7.74 29.82 6.93 36.75 10.53 47.28 8.06 55.34 7.07 62.40 6.97 69.37 4.64 74.01 2.85 76.86 2.43 79.29 3.10 82.39 2.18 84.56 2.97 87.54 2.03 89.56 3.61 93.17 3.10 96.27 1.61 97.88 1.59 99.47 0.53 100.00

PERCENTAGE rp

17,782.57 3,520.59 2,441.79 3,050.43 7,646.99 7,627.39 10,150.05 13,216.95 11,621.92 8,729.00 8,564.45 13,662.74 11,339.66 23,754.62 16,511.62 42,977.84 48,092.33 32,997.35 41,810.22 431,520.34 757,018.86

17,782.57 21,303.17 23,744.96 26,795.38 34,442.37 42,069.76 52,219.82 65,436.77 77,058.68 85,787.68 94,352.13 108,014.87 119,354.54 143,109.16 159,620.78 202,598.62 250,690.95 283,688.30 325,498.53 757,018.86

BAND

2.35 0.47 0.32 0.40 1.01 1.01 1.34 1.75 1.54 1.15 1.13 1.80 1.50 3.14 2.18 5.68 6.35 4.36 5.52 57.00

PERCENTAGE

CUM.

2.35 2.81 3.14 3.54 4.55 5.56 6.90 8.64 10.18 11.33 12.46 14.27 15.77 18.90 21.09 26.76 33.12 37.47 43.00 100.00

377 80 101 123 150 123 116 143 87 61 60 129 126 137 98 197 300 279 351 470 3,508

377 457 558 681 831 954 1,070 1,213 1,300 1,361 1,421 1,550 1,676 1,813 1,911 2,108 2,408 2,687 3,038 3,508

BAND

CUM.

10.75 10.75 2.28 13.03 2.88 15.91 3.51 19.41 4.28 23.69 3.51 27.19 3.31 30.50 4.08 34.58 2.48 37.06 1.74 38.80 1.71 40.51 3.68 44.18 3.59 47.78 3.91 51.68 2.79 54.48 5.62 60.09 8.55 68.64 7.95 76.60 10.01 86.60 13.40 100.00

PERCENTAGE rp

237,493.41 7,868.84 2,887.71 2,530.00 6,460.71 7,585.50 9,491.02 13,255.54 11,217.73 5,670.56 15,347.19 11,294.04 50,259.93 35,191.12 31,851.62 87,749.82 132,819.52 140,622.71 166,084.65 849,735.02 1,825,416.63

237,493.41 245,362.25 248,249.95 250,779.96 257,240.66 264,826.16 274,317.18 287,572.72 298,790.45 304,461.01 319,808.20 331,102.24 381,362.17 416,553.29 448,404.92 536,154.74 668,974.25 809,596.96 975,681.61 1,825,416.63

BAND

13.01 0.43 0.16 0.14 0.35 0.42 0.52 0.73 0.61 0.31 0.84 0.62 2.75 1.93 1.74 4.81 7.28 7.70 9.10 46.55

CUM.

13.01 13.44 13.60 13.74 14.09 14.51 15.03 15.75 16.37 16.68 17.52 18.14 20.89 22.82 24.56 29.37 36.65 44.35 53.45 100.00

PERCENTAGE BAND

1335.54 223.51 118.26 82.94 84.49 99.45 93.51 100.29 96.52 64.96 179.20 82.66 443.22 148.14 192.90 204.17 276.18 426.16 397.23 196.92

CUM

1335.54 1151.76 1045.49 935.91 746.87 629.49 525.31 439.47 387.74 354.90 338.95 306.53 319.52 291.07 280.92 264.64 266.85 285.38 299.75 241.13

241.13

Page 105 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

:L.O.P

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2007

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

14 10 51 13 16 26 10 26 21 14 15 9 12 33 23 36 53 36 29 10 457

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

BAND

CUM.

3.06 3.06 2.19 5.25 11.16 16.41 2.84 19.26 3.50 22.76 5.69 28.45 2.19 30.63 5.69 36.32 4.60 40.92 3.06 43.98 3.28 47.26 1.97 49.23 2.63 51.86 7.22 59.08 5.03 64.11 7.88 71.99 11.60 83.59 7.88 91.47 6.35 97.81 2.19 100.00

PERCENTAGE rp

5.86 3.78 2.90 6.09 9.72 14.53 11.76 59.57 63.22 25.43 45.36 40.70 68.18 187.96 96.90 333.05 486.77 573.22 272.76 817.02 3,124.79

5.86 9.64 12.54 18.63 28.35 42.88 54.64 114.21 177.43 202.86 248.22 288.92 357.10 545.06 641.97 975.02 1,461.79 2,035.01 2,307.77 3,124.79

BAND

0.19 0.12 0.09 0.19 0.31 0.46 0.38 1.91 2.02 0.81 1.45 1.30 2.18 6.02 3.10 10.66 15.58 18.34 8.73 26.15

CUM.

0.19 0.31 0.40 0.60 0.91 1.37 1.75 3.65 5.68 6.49 7.94 9.25 11.43 17.44 20.54 31.20 46.78 65.12 73.85 100.00

PERCENTAGE f

2 0 0 2 0 1 0 0 0 0 0 0 1 0 0 0 1 0 6 0 13

BAND

2 2 2 4 4 5 5 5 5 5 5 5 6 6 6 6 7 7 13 13

CUM.

15.38 15.38 0.00 15.38 0.00 15.38 15.38 30.77 0.00 30.77 7.69 38.46 0.00 38.46 0.00 38.46 0.00 38.46 0.00 38.46 0.00 38.46 0.00 38.46 7.69 46.15 0.00 46.15 0.00 46.15 0.00 46.15 7.69 53.85 0.00 53.85 46.15 100.00 0.00 100.00

PERCENTAGE rp

203.75 0.00 0.00 10.28 0.00 5.38 0.00 0.00 0.00 0.00 0.00 0.00 46.85 0.00 0.00 0.00 7.27 0.00 464.29 0.00

203.75 203.75 203.75 214.03 214.03 219.41 219.41 219.41 219.41 219.41 219.41 219.41 266.25 266.25 266.25 266.25 273.52 273.52 737.81 737.81

737.81

BAND

27.61 0.00 0.00 1.39 0.00 0.73 0.00 0.00 0.00 0.00 0.00 0.00 6.35 0.00 0.00 0.00 0.99 0.00 62.93 0.00

PERCENTAGE

CUM.

BAND

CUM

27.61 27.61 27.61 29.01 29.01 29.74 29.74 29.74 29.74 29.74 29.74 29.74 36.09 36.09 36.09 36.09 37.07 37.07 100.00 100.00

3477.33 0.00 0.00 168.91 0.00 36.99 0.00 0.00 0.00 0.00 0.00 0.00 68.71 0.00 0.00 0.00 1.49 0.00 170.22 0.00

3477.33 2113.89 1624.74 1148.95 754.97 511.69 401.58 192.11 123.66 108.16 88.39 75.94 74.56 48.85 41.47 27.31 18.71 13.44 31.97 23.61

23.61

Page 106 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: Earthquake

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2007

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

8,152 2,525 3,918 2,835 3,699 2,918 2,609 2,710 2,000 1,225 1,156 1,361 1,137 1,599 1,159 1,924 1,742 884 928 343 44,824

8,152 10,677 14,595 17,430 21,129 24,047 26,656 29,366 31,366 32,591 33,747 35,108 36,245 37,844 39,003 40,927 42,669 43,553 44,481 44,824

BAND

18.19 5.63 8.74 6.32 8.25 6.51 5.82 6.05 4.46 2.73 2.58 3.04 2.54 3.57 2.59 4.29 3.89 1.97 2.07 0.77

CUM.

18.19 23.82 32.56 38.89 47.14 53.65 59.47 65.51 69.98 72.71 75.29 78.32 80.86 84.43 87.01 91.31 95.19 97.16 99.23 100.00

PERCENTAGE rp

20,069.18 1,088.87 1,284.14 1,473.28 2,338.35 2,593.40 3,087.27 4,262.59 3,832.30 3,133.52 2,906.47 4,359.64 4,342.93 8,488.79 7,510.32 20,358.38 26,637.57 17,610.09 29,054.00 24,201.44 188,632.54

20,069.18 21,158.05 22,442.19 23,915.47 26,253.83 28,847.22 31,934.49 36,197.09 40,029.39 43,162.92 46,069.38 50,429.02 54,771.95 63,260.74 70,771.05 91,129.44 117,767.01 135,377.10 164,431.10 188,632.54

BAND

10.64 0.58 0.68 0.78 1.24 1.37 1.64 2.26 2.03 1.66 1.54 2.31 2.30 4.50 3.98 10.79 14.12 9.34 15.40 12.83

PERCENTAGE

CUM.

10.64 11.22 11.90 12.68 13.92 15.29 16.93 19.19 21.22 22.88 24.42 26.73 29.04 33.54 37.52 48.31 62.43 71.77 87.17 100.00

15 4 11 7 18 9 11 6 11 3 6 7 10 58 5 11 14 8 5 3

15 19 30 37 55 64 75 81 92 95 101 108 118 176 181 192 206 214 219 222

222

BAND

CUM.

6.76 6.76 1.80 8.56 4.95 13.51 3.15 16.67 8.11 24.77 4.05 28.83 4.95 33.78 2.70 36.49 4.95 41.44 1.35 42.79 2.70 45.50 3.15 48.65 4.50 53.15 26.13 79.28 2.25 81.53 4.95 86.49 6.31 92.79 3.60 96.40 2.25 98.65 1.35 100.00

PERCENTAGE rp

1,977.87 312.62 82.07 98.77 248.68 443.97 258.64 675.94 1,558.56 127.95 65.25 234.08 307.82 753.92 111.15 2,617.83 6,970.50 1,950.74 47.05 830.17 19,673.60

1,977.87 2,290.50 2,372.56 2,471.34 2,720.02 3,163.99 3,422.63 4,098.57 5,657.14 5,785.08 5,850.33 6,084.41 6,392.24 7,146.16 7,257.31 9,875.14 16,845.64 18,796.38 18,843.43 19,673.60

BAND

CUM.

10.05 10.05 1.59 11.64 0.42 12.06 0.50 12.56 1.26 13.83 2.26 16.08 1.31 17.40 3.44 20.83 7.92 28.75 0.65 29.41 0.33 29.74 1.19 30.93 1.56 32.49 3.83 36.32 0.56 36.89 13.31 50.19 35.43 85.63 9.92 95.54 0.24 95.78 4.22 100.00

PERCENTAGE BAND

9.86 28.71 6.39 6.70 10.63 17.12 8.38 15.86 40.67 4.08 2.24 5.37 7.09 8.88 1.48 12.86 26.17 11.08 0.16 3.43

CUM

9.86 10.83 10.57 10.33 10.36 10.97 10.72 11.32 14.13 13.40 12.70 12.07 11.67 11.30 10.25 10.84 14.30 13.88 11.46 10.43

10.43

Page 107 of 204

RISK AND LOSS PROFILE 2007 GROUP BY OCCUPATION CODE

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

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

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

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

PERCENTAGE f

162 36 41 31 54 39 34 35 33 23 31 31 37 29 25 63 67 40 67 80

162 16.91 16.91 198 3.76 20.67 239 4.28 24.95 270 3.24 28.18 324 5.64 33.82 363 4.07 37.89 397 3.55 41.44 432 3.65 45.09 465 3.44 48.54 488 2.40 50.94 519 3.24 54.18 550 3.24 57.41 587 3.86 61.27 616 3.03 64.30 641 2.61 66.91 704 6.58 73.49 771 6.99 80.48 811 4.18 84.66 878 6.99 91.65 958 8.35 100.00

958

BAND

CUM.

PERCENTAGE rp

873.03 42.38 18.07 15.56 31.86 65.13 72.16 68.53 92.70 52.62 120.20 167.91 196.85 290.90 262.12 855.05 817.92 834.38 641.07 1,795.88 7,314.34

873.03 915.41 933.48 949.04 980.91 1,046.04 1,118.20 1,186.73 1,279.43 1,332.05 1,452.25 1,620.16 1,817.01 2,107.91 2,370.03 3,225.08 4,043.00 4,877.38 5,518.46 7,314.34

BAND

CUM.

11.94 11.94 0.58 12.52 0.25 12.76 0.21 12.98 0.44 13.41 0.89 14.30 0.99 15.29 0.94 16.22 1.27 17.49 0.72 18.21 1.64 19.85 2.30 22.15 2.69 24.84 3.98 28.82 3.58 32.40 11.69 44.09 11.18 55.27 11.41 66.68 8.76 75.45 24.55 100.00

PERCENTAGE f

2 0 1 0 0 1 1 0 1 0 3 3 0 0 5 2 1 3 8 48

2 2 3 3 3 4 5 5 6 6 9 12 12 12 17 19 20 23 31 79

BAND

2.53 0.00 1.27 0.00 0.00 1.27 1.27 0.00 1.27 0.00 3.80 3.80 0.00 0.00 6.33 2.53 1.27 3.80 10.13 60.76

CUM.

2.53 2.53 3.80 3.80 3.80 5.06 6.33 6.33 7.59 7.59 11.39 15.19 15.19 15.19 21.52 24.05 25.32 29.11 39.24 100.00

PERCENTAGE rp

69.54 0.00 145.31 0.00 0.00 778.95 52.87 0.00 221.75 0.00 74.44 350.04 0.00 0.00 1,197.05 240.78 85.34 24.11 641.71 308,866.22 312,748.10

BAND

CUM.

69.54 0.02 0.02 69.54 0.00 0.02 214.85 0.05 0.07 214.85 0.00 0.07 214.85 0.00 0.07 993.80 0.25 0.32 1,046.67 0.02 0.33 1,046.67 0.00 0.33 1,268.41 0.07 0.41 1,268.41 0.00 0.41 1,342.85 0.02 0.43 1,692.90 0.11 0.54 1,692.90 0.00 0.54 1,692.90 0.00 0.54 2,889.94 0.38 0.92 3,130.72 0.08 1.00 3,216.06 0.03 1.03 3,240.17 0.01 1.04 3,881.88 0.21 1.24 312,748.10 98.76 100.00

PERCENTAGE BAND

CUM

7.97 7.97 0.00 7.60 804.06 23.02 0.00 22.64 0.00 21.90 1195.99 95.01 73.26 93.60 0.00 88.20 239.20 99.14 0.00 95.22 61.93 92.47 208.47 104.49 0.00 93.17 0.00 80.31 456.68 121.94 28.16 97.07 10.43 79.55 2.89 66.43 100.10 70.34 17198.57 4275.82 4275.82

Page 108 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2009

DATE

15/09/2009

Stone,Earth,(Animal) Bons or Shells

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

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

PERCENTAGE f

251 86 132 97 112 105 93 112 67 50 44 69 49 88 63 106 146 77 154 53

251 337 469 566 678 783 876 988 1,055 1,105 1,149 1,218 1,267 1,355 1,418 1,524 1,670 1,747 1,901 1,954

1,954

BAND

CUM.

12.85 12.85 4.40 17.25 6.76 24.00 4.96 28.97 5.73 34.70 5.37 40.07 4.76 44.83 5.73 50.56 3.43 53.99 2.56 56.55 2.25 58.80 3.53 62.33 2.51 64.84 4.50 69.34 3.22 72.57 5.42 77.99 7.47 85.47 3.94 89.41 7.88 97.29 2.71 100.00

PERCENTAGE rp

511.73 48.60 70.81 68.44 85.64 113.75 148.67 303.00 235.46 139.07 143.87 276.77 188.42 469.77 301.78 1,136.14 1,463.11 639.63 1,080.48 7,779.16 15,204.32

511.73 560.33 631.15 699.59 785.23 898.98 1,047.65 1,350.66 1,586.12 1,725.19 1,869.06 2,145.83 2,334.25 2,804.02 3,105.80 4,241.94 5,705.05 6,344.68 7,425.16 15,204.32

BAND

3.37 0.32 0.47 0.45 0.56 0.75 0.98 1.99 1.55 0.91 0.95 1.82 1.24 3.09 1.98 7.47 9.62 4.21 7.11 51.16

CUM.

3.37 3.69 4.15 4.60 5.16 5.91 6.89 8.88 10.43 11.35 12.29 14.11 15.35 18.44 20.43 27.90 37.52 41.73 48.84 100.00

PERCENTAGE f

9 0 0 1 0 0 1 1 1 0 0 2 1 0 1 3 4 6 19 19 68

9 9 9 10 10 10 11 12 13 13 13 15 16 16 17 20 24 30 49 68

BAND

CUM.

13.24 13.24 0.00 13.24 0.00 13.24 1.47 14.71 0.00 14.71 0.00 14.71 1.47 16.18 1.47 17.65 1.47 19.12 0.00 19.12 0.00 19.12 2.94 22.06 1.47 23.53 0.00 23.53 1.47 25.00 4.41 29.41 5.88 35.29 8.82 44.12 27.94 72.06 27.94 100.00

PERCENTAGE rp

2,418.07 0.00 0.00 155.04 0.00 0.00 6.38 155.54 15.28 0.00 0.00 967.62 39.66 0.00 210.84 63.75 1,081.43 1,171.20 2,244.33 14,656.12 23,185.25

2,418.07 2,418.07 2,418.07 2,573.11 2,573.11 2,573.11 2,579.48 2,735.02 2,750.30 2,750.30 2,750.30 3,717.91 3,757.58 3,757.58 3,968.42 4,032.17 5,113.60 6,284.80 8,529.13 23,185.25

BAND

10.43 0.00 0.00 0.67 0.00 0.00 0.03 0.67 0.07 0.00 0.00 4.17 0.17 0.00 0.91 0.27 4.66 5.05 9.68 63.21

PERCENTAGE

CUM.

BAND

CUM

10.43 10.43 10.43 11.10 11.10 11.10 11.13 11.80 11.86 11.86 11.86 16.04 16.21 16.21 17.12 17.39 22.06 27.11 36.79 100.00

472.52 0.00 0.00 226.53 0.00 0.00 4.29 51.33 6.49 0.00 0.00 349.61 21.05 0.00 69.87 5.61 73.91 183.11 207.72 188.40

472.52 431.54 383.12 367.80 327.69 286.22 246.22 202.50 173.40 159.42 147.15 173.26 160.98 134.01 127.77 95.05 89.63 99.06 114.87 152.49

152.49

Page 109 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2009

DATE

15/09/2009

Metals

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

669 291 428 341 544 432 414 467 343 298 225 312 256 389 264 608 642 333 414 246 7,916

669 960 1,388 1,729 2,273 2,705 3,119 3,586 3,929 4,227 4,452 4,764 5,020 5,409 5,673 6,281 6,923 7,256 7,670 7,916

BAND

CUM.

8.45 8.45 3.68 12.13 5.41 17.53 4.31 21.84 6.87 28.71 5.46 34.17 5.23 39.40 5.90 45.30 4.33 49.63 3.76 53.40 2.84 56.24 3.94 60.18 3.23 63.42 4.91 68.33 3.34 71.66 7.68 79.35 8.11 87.46 4.21 91.66 5.23 96.89 3.11 100.00

PERCENTAGE rp

3,207.08 98.06 159.75 175.98 458.49 415.30 768.43 901.75 974.28 842.85 922.88 1,546.14 1,407.30 2,522.19 2,005.84 6,930.05 8,378.62 4,437.22 4,175.45 1,221.97 41,549.65

3,207.08 3,305.14 3,464.88 3,640.87 4,099.36 4,514.66 5,283.09 6,184.85 7,159.13 8,001.98 8,924.86 10,471.00 11,878.30 14,400.49 16,406.33 23,336.38 31,715.00 36,152.22 40,327.67 41,549.65

BAND

7.72 0.24 0.38 0.42 1.10 1.00 1.85 2.17 2.34 2.03 2.22 3.72 3.39 6.07 4.83 16.68 20.17 10.68 10.05 2.94

CUM.

7.72 7.95 8.34 8.76 9.87 10.87 12.72 14.89 17.23 19.26 21.48 25.20 28.59 34.66 39.49 56.17 76.33 87.01 97.06 100.00

PERCENTAGE f

38 0 4 2 1 2 1 7 4 8 2 2 6 8 6 18 32 26 25 25 217

38 38 42 44 45 47 48 55 59 67 69 71 77 85 91 109 141 167 192 217

BAND

17.51 0.00 1.84 0.92 0.46 0.92 0.46 3.23 1.84 3.69 0.92 0.92 2.76 3.69 2.76 8.29 14.75 11.98 11.52 11.52

CUM.

17.51 17.51 19.35 20.28 20.74 21.66 22.12 25.35 27.19 30.88 31.80 32.72 35.48 39.17 41.94 50.23 64.98 76.96 88.48 100.00

PERCENTAGE rp

8,376.72 0.00 104.74 174.23 16.68 770.46 341.72 361.79 2,816.68 1,374.80 41.26 205.74 419.05 4,849.27 450.76 4,311.84 27,731.95 1,532.80 3,597.58 5,033.96 62,512.03

8,376.72 8,376.72 8,481.45 8,655.69 8,672.37 9,442.83 9,784.55 10,146.34 12,963.02 14,337.82 14,379.08 14,584.82 15,003.88 19,853.15 20,303.90 24,615.74 52,347.69 53,880.49 57,478.07 62,512.03

BAND

CUM.

13.40 13.40 0.00 13.40 0.17 13.57 0.28 13.85 0.03 13.87 1.23 15.11 0.55 15.65 0.58 16.23 4.51 20.74 2.20 22.94 0.07 23.00 0.33 23.33 0.67 24.00 7.76 31.76 0.72 32.48 6.90 39.38 44.36 83.74 2.45 86.19 5.76 91.95 8.05 100.00

PERCENTAGE BAND

261.19 0.00 65.56 99.01 3.64 185.52 44.47 40.12 289.10 163.11 4.47 13.31 29.78 192.26 22.47 62.22 330.98 34.54 86.16 411.95

CUM

261.19 253.45 244.78 237.74 211.55 209.16 185.20 164.05 181.07 179.18 161.11 139.29 126.31 137.86 123.76 105.48 165.06 149.04 142.53 150.45

150.45

Page 110 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2009

DATE

15/09/2009

Chemical / Oils / Gas

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

975 214 330 335 591 587 558 646 463 349 364 429 361 558 376 737 645 318 329 195 9,360

975 1,189 1,519 1,854 2,445 3,032 3,590 4,236 4,699 5,048 5,412 5,841 6,202 6,760 7,136 7,873 8,518 8,836 9,165 9,360

BAND

CUM.

10.42 10.42 2.29 12.70 3.53 16.23 3.58 19.81 6.31 26.12 6.27 32.39 5.96 38.35 6.90 45.26 4.95 50.20 3.73 53.93 3.89 57.82 4.58 62.40 3.86 66.26 5.96 72.22 4.02 76.24 7.87 84.11 6.89 91.00 3.40 94.40 3.51 97.92 2.08 100.00

PERCENTAGE rp

5,373.97 248.92 360.45 413.64 848.25 1,074.70 1,402.75 2,045.61 2,090.76 1,936.23 1,968.10 2,812.86 2,926.78 5,338.00 4,368.29 10,088.80 13,807.29 5,637.03 4,981.29 8,429.22 76,152.92

5,373.97 5,622.89 5,983.34 6,396.98 7,245.23 8,319.93 9,722.69 11,768.29 13,859.05 15,795.27 17,763.38 20,576.23 23,503.01 28,841.01 33,209.30 43,298.09 57,105.38 62,742.42 67,723.70 76,152.92

BAND

CUM.

7.06 7.06 0.33 7.38 0.47 7.86 0.54 8.40 1.11 9.51 1.41 10.93 1.84 12.77 2.69 15.45 2.75 18.20 2.54 20.74 2.58 23.33 3.69 27.02 3.84 30.86 7.01 37.87 5.74 43.61 13.25 56.86 18.13 74.99 7.40 82.39 6.54 88.93 11.07 100.00

PERCENTAGE f

49 3 3 9 5 8 2 13 12 7 12 6 12 10 20 28 36 16 32 7 290

49 52 55 64 69 77 79 92 104 111 123 129 141 151 171 199 235 251 283 290

BAND

CUM.

16.90 16.90 1.03 17.93 1.03 18.97 3.10 22.07 1.72 23.79 2.76 26.55 0.69 27.24 4.48 31.72 4.14 35.86 2.41 38.28 4.14 42.41 2.07 44.48 4.14 48.62 3.45 52.07 6.90 58.97 9.66 68.62 12.41 81.03 5.52 86.55 11.03 97.59 2.41 100.00

PERCENTAGE rp

166,771.72 5,791.96 217.88 729.67 547.59 380.72 1,145.95 4,759.62 4,873.52 1,935.74 7,209.06 3,322.42 2,776.88 5,814.69 3,944.34 41,321.61 42,369.78 1,775.29 11,984.68 8,792.35 316,465.45

166,771.72 172,563.68 172,781.56 173,511.22 174,058.82 174,439.53 175,585.48 180,345.10 185,218.62 187,154.36 194,363.41 197,685.84 200,462.71 206,277.40 210,221.74 251,543.35 293,913.13 295,688.42 307,673.10 316,465.45

BAND

52.70 1.83 0.07 0.23 0.17 0.12 0.36 1.50 1.54 0.61 2.28 1.05 0.88 1.84 1.25 13.06 13.39 0.56 3.79 2.78

CUM.

52.70 54.53 54.60 54.83 55.00 55.12 55.48 56.99 58.53 59.14 61.42 62.47 63.34 65.18 66.43 79.49 92.87 93.43 97.22 100.00

PERCENTAGE BAND

3103.33 2326.81 60.45 176.40 64.56 35.43 81.69 232.68 233.10 99.97 366.30 118.12 94.88 108.93 90.29 409.58 306.87 31.49 240.59 104.31

CUM

3103.33 3068.95 2887.71 2712.39 2402.39 2096.65 1805.94 1532.47 1336.45 1184.88 1094.18 960.75 852.92 715.22 633.02 580.96 514.69 471.27 454.31 415.57

415.57

Page 111 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2009

DATE

15/09/2009

Textiles

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

1,127 817 1,661 1,346 1,756 1,064 801 763 575 339 323 373 296 367 240 542 560 311 437 154 13,852

1,127 1,944 3,605 4,951 6,707 7,771 8,572 9,335 9,910 10,249 10,572 10,945 11,241 11,608 11,848 12,390 12,950 13,261 13,698 13,852

BAND

CUM.

8.14 8.14 5.90 14.03 11.99 26.03 9.72 35.74 12.68 48.42 7.68 56.10 5.78 61.88 5.51 67.39 4.15 71.54 2.45 73.99 2.33 76.32 2.69 79.01 2.14 81.15 2.65 83.80 1.73 85.53 3.91 89.45 4.04 93.49 2.25 95.73 3.15 98.89 1.11 100.00

PERCENTAGE rp

3,421.64 394.12 986.89 1,230.47 2,474.02 2,058.29 2,088.40 2,565.12 2,249.31 1,602.07 1,743.43 2,401.26 2,041.86 3,125.71 2,426.59 7,925.08 9,675.66 4,410.62 7,506.25 6,096.28 66,423.08

BAND

3,421.64 5.15 3,815.76 0.59 4,802.65 1.49 6,033.12 1.85 8,507.14 3.72 10,565.43 3.10 12,653.83 3.14 15,218.96 3.86 17,468.27 3.39 19,070.33 2.41 20,813.77 2.62 23,215.03 3.62 25,256.89 3.07 28,382.60 4.71 30,809.18 3.65 38,734.27 11.93 48,409.93 14.57 52,820.54 6.64 60,326.80 11.30 66,423.08 9.18

PERCENTAGE

CUM.

5.15 5.74 7.23 9.08 12.81 15.91 19.05 22.91 26.30 28.71 31.34 34.95 38.02 42.73 46.38 58.31 72.88 79.52 90.82 100.00

23 3 4 3 2 2 8 18 7 4 5 10 17 20 14 38 57 47 38 24

23 26 30 33 35 37 45 63 70 74 79 89 106 126 140 178 235 282 320 344

344

BAND

CUM.

6.69 6.69 0.87 7.56 1.16 8.72 0.87 9.59 0.58 10.17 0.58 10.76 2.33 13.08 5.23 18.31 2.03 20.35 1.16 21.51 1.45 22.97 2.91 25.87 4.94 30.81 5.81 36.63 4.07 40.70 11.05 51.74 16.57 68.31 13.66 81.98 11.05 93.02 6.98 100.00

PERCENTAGE rp

16,199.06 587.80 291.51 186.46 78.62 82.54 2,308.16 1,757.27 860.78 590.63 246.74 1,008.91 74.38 3,534.79 556.86 2,824.19 4,804.96 3,942.16 94,233.93 3,290.06 137,459.80

16,199.06 16,786.86 17,078.37 17,264.83 17,343.45 17,425.98 19,734.14 21,491.41 22,352.20 22,942.82 23,189.56 24,198.47 24,272.85 27,807.64 28,364.50 31,188.69 35,993.65 39,935.80 134,169.74 137,459.80

BAND

11.78 0.43 0.21 0.14 0.06 0.06 1.68 1.28 0.63 0.43 0.18 0.73 0.05 2.57 0.41 2.05 3.50 2.87 68.55 2.39

PERCENTAGE

CUM.

BAND

CUM

11.78 12.21 12.42 12.56 12.62 12.68 14.36 15.63 16.26 16.69 16.87 17.60 17.66 20.23 20.63 22.69 26.18 29.05 97.61 100.00

473.43 149.14 29.54 15.15 3.18 4.01 110.52 68.51 38.27 36.87 14.15 42.02 3.64 113.09 22.95 35.64 49.66 89.38 1255.41 53.97

473.43 439.94 355.60 286.17 203.87 164.93 155.95 141.21 127.96 120.31 111.41 104.24 96.10 97.97 92.07 80.52 74.35 75.61 222.40 206.95

206.95

Page 112 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2009

DATE

15/09/2009

Paper, Leather, Rubber

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

852 648 934 698 967 656 492 618 450 301 263 339 239 381 260 470 356 226 216 62 9,428

852 1,500 2,434 3,132 4,099 4,755 5,247 5,865 6,315 6,616 6,879 7,218 7,457 7,838 8,098 8,568 8,924 9,150 9,366 9,428

BAND

9.04 6.87 9.91 7.40 10.26 6.96 5.22 6.55 4.77 3.19 2.79 3.60 2.54 4.04 2.76 4.99 3.78 2.40 2.29 0.66

CUM.

9.04 15.91 25.82 33.22 43.48 50.43 55.65 62.21 66.98 70.17 72.96 76.56 79.09 83.14 85.89 90.88 94.65 97.05 99.34 100.00

PERCENTAGE rp

3,319.03 486.33 596.83 731.92 1,402.34 1,381.42 1,360.88 2,323.67 2,139.68 1,771.56 1,575.41 2,855.99 2,070.86 3,978.60 3,701.58 8,696.18 11,781.54 5,411.61 7,700.07 2,831.73 66,117.23

3,319.03 3,805.36 4,402.19 5,134.11 6,536.45 7,917.87 9,278.76 11,602.42 13,742.10 15,513.66 17,089.07 19,945.06 22,015.92 25,994.52 29,696.10 38,392.28 50,173.82 55,585.44 63,285.50 66,117.23

BAND

5.02 0.74 0.90 1.11 2.12 2.09 2.06 3.51 3.24 2.68 2.38 4.32 3.13 6.02 5.60 13.15 17.82 8.18 11.65 4.28

CUM.

5.02 5.76 6.66 7.77 9.89 11.98 14.03 17.55 20.78 23.46 25.85 30.17 33.30 39.32 44.91 58.07 75.89 84.07 95.72 100.00

PERCENTAGE f

20 0 2 3 6 1 10 8 8 1 10 9 7 9 7 16 20 10 15 3 165

BAND

CUM.

20 12.12 12.12 20 0.00 12.12 22 1.21 13.33 25 1.82 15.15 31 3.64 18.79 32 0.61 19.39 42 6.06 25.45 50 4.85 30.30 58 4.85 35.15 59 0.61 35.76 69 6.06 41.82 78 5.45 47.27 85 4.24 51.52 94 5.45 56.97 101 4.24 61.21 117 9.70 70.91 137 12.12 83.03 147 6.06 89.09 162 9.09 98.18 165 1.82 100.00

PERCENTAGE rp

9,728.80 0.00 180.23 121.87 148.02 696.42 905.68 402.39 2,124.11 1,996.02 2,377.97 3,062.26 426.90 1,299.28 8,556.01 5,139.08 35,947.16 100,656.91 46,277.22 641.59 220,687.92

9,728.80 9,728.80 9,909.04 10,030.90 10,178.92 10,875.33 11,781.01 12,183.41 14,307.51 16,303.54 18,681.51 21,743.77 22,170.67 23,469.94 32,025.96 37,165.04 73,112.20 173,769.10 220,046.33 220,687.92

BAND

CUM.

4.41 4.41 0.00 4.41 0.08 4.49 0.06 4.55 0.07 4.61 0.32 4.93 0.41 5.34 0.18 5.52 0.96 6.48 0.90 7.39 1.08 8.47 1.39 9.85 0.19 10.05 0.59 10.63 3.88 14.51 2.33 16.84 16.29 33.13 45.61 78.74 20.97 99.71 0.29 100.00

PERCENTAGE BAND

293.12 0.00 30.20 16.65 10.56 50.41 66.55 17.32 99.27 112.67 150.94 107.22 20.61 32.66 231.15 59.10 305.11 1860.02 601.00 22.66

CUM

293.12 255.66 225.09 195.38 155.73 137.35 126.97 105.01 104.11 105.09 109.32 109.02 100.70 90.29 107.85 96.80 145.72 312.62 347.70 333.78

333.78

Page 113 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 26

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2009

DATE

15/09/2009

Wood, Bamboo and Rattan

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

869 617 705 489 624 365 419 431 342 221 167 317 178 301 221 338 284 162 181 36 7,267

BAND

CUM.

869 11.96 11.96 1,486 8.49 20.45 2,191 9.70 30.15 2,680 6.73 36.88 3,304 8.59 45.47 3,669 5.02 50.49 4,088 5.77 56.25 4,519 5.93 62.19 4,861 4.71 66.89 5,082 3.04 69.93 5,249 2.30 72.23 5,566 4.36 76.59 5,744 2.45 79.04 6,045 4.14 83.18 6,266 3.04 86.23 6,604 4.65 90.88 6,888 3.91 94.78 7,050 2.23 97.01 7,231 2.49 99.50 7,267 0.50 100.00

PERCENTAGE rp

2,381.48 487.30 823.77 868.93 1,682.84 1,565.50 2,188.85 3,126.66 2,847.86 2,027.47 2,052.34 3,825.94 2,888.31 5,645.12 5,351.29 10,161.69 10,608.13 4,362.17 10,097.63 2,210.66 75,203.95

2,381.48 2,868.78 3,692.55 4,561.48 6,244.32 7,809.82 9,998.67 13,125.33 15,973.20 18,000.67 20,053.01 23,878.95 26,767.26 32,412.37 37,763.67 47,925.35 58,533.49 62,895.66 72,993.29 75,203.95

BAND

CUM.

3.17 3.17 0.65 3.81 1.10 4.91 1.16 6.07 2.24 8.30 2.08 10.38 2.91 13.30 4.16 17.45 3.79 21.24 2.70 23.94 2.73 26.66 5.09 31.75 3.84 35.59 7.51 43.10 7.12 50.21 13.51 63.73 14.11 77.83 5.80 83.63 13.43 97.06 2.94 100.00

PERCENTAGE f

BAND

11 1 6 6 1 8 1 8 6 7 5 6 12 7 5 21 18 8 10 5

11 12 18 24 25 33 34 42 48 55 60 66 78 85 90 111 129 137 147 152

7.24 7.24 0.66 7.89 3.95 11.84 3.95 15.79 0.66 16.45 5.26 21.71 0.66 22.37 5.26 27.63 3.95 31.58 4.61 36.18 3.29 39.47 3.95 43.42 7.89 51.32 4.61 55.92 3.29 59.21 13.82 73.03 11.84 84.87 5.26 90.13 6.58 96.71 3.29 100.00

152

CUM.

PERCENTAGE rp

835.69 15.46 584.86 740.80 54.91 2,421.37 185.78 3,646.86 857.09 671.29 59.64 1,698.53 5,774.72 474.74 2,626.15 11,789.49 7,958.41 4,509.94 4,385.42 3,984.65 53,275.81

BAND

CUM.

835.69 1.57 1.57 851.15 0.03 1.60 1,436.01 1.10 2.70 2,176.82 1.39 4.09 2,231.73 0.10 4.19 4,653.10 4.54 8.73 4,838.88 0.35 9.08 8,485.74 6.85 15.93 9,342.83 1.61 17.54 10,014.12 1.26 18.80 10,073.76 0.11 18.91 11,772.29 3.19 22.10 17,547.01 10.84 32.94 18,021.74 0.89 33.83 20,647.90 4.93 38.76 32,437.39 22.13 60.89 40,395.80 14.94 75.82 44,905.73 8.47 84.29 49,291.16 8.23 92.52 53,275.81 7.48 100.00

PERCENTAGE BAND

35.09 3.17 71.00 85.25 3.26 154.67 8.49 116.64 30.10 33.11 2.91 44.40 199.93 8.41 49.08 116.02 75.02 103.39 43.43 180.25

CUM

35.09 29.67 38.89 47.72 35.74 59.58 48.40 64.65 58.49 55.63 50.24 49.30 65.55 55.60 54.68 67.68 69.01 71.40 67.53 70.84

70.84

Page 114 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

Nutritional, Drinks and Tobacco

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

3,850 2,191 2,380 1,482 1,816 1,174 927 1,041 719 479 455 596 451 699 541 976 963 473 385 101 21,699

BAND

CUM.

3,850 17.74 17.74 6,041 10.10 27.84 8,421 10.97 38.81 9,903 6.83 45.64 11,719 8.37 54.01 12,893 5.41 59.42 13,820 4.27 63.69 14,861 4.80 68.49 15,580 3.31 71.80 16,059 2.21 74.01 16,514 2.10 76.10 17,110 2.75 78.85 17,561 2.08 80.93 18,260 3.22 84.15 18,801 2.49 86.64 19,777 4.50 91.14 20,740 4.44 95.58 21,213 2.18 97.76 21,598 1.77 99.53 21,699 0.47 100.00

PERCENTAGE rp

5,143.24 2,446.17 988.52 874.18 1,718.01 1,545.35 1,562.45 2,294.91 2,067.66 1,448.21 1,774.47 2,561.94 2,300.96 4,967.52 4,573.49 10,961.73 13,300.31 7,239.30 5,433.96 5,756.57 78,958.95

5,143.24 7,589.41 8,577.93 9,452.11 11,170.13 12,715.47 14,277.93 16,572.84 18,640.49 20,088.70 21,863.18 24,425.12 26,726.07 31,693.60 36,267.09 47,228.82 60,529.13 67,768.42 73,202.38 78,958.95

BAND

CUM.

6.51 3.10 1.25 1.11 2.18 1.96 1.98 2.91 2.62 1.83 2.25 3.24 2.91 6.29 5.79 13.88 16.84 9.17 6.88 7.29

6.51 9.61 10.86 11.97 14.15 16.10 18.08 20.99 23.61 25.44 27.69 30.93 33.85 40.14 45.93 59.81 76.66 85.83 92.71 100.00

PERCENTAGE f

82 10 3 4 4 8 10 11 6 6 6 9 14 68 12 28 49 44 36 31 441

82 92 95 99 103 111 121 132 138 144 150 159 173 241 253 281 330 374 410 441

BAND

CUM.

18.59 18.59 2.27 20.86 0.68 21.54 0.91 22.45 0.91 23.36 1.81 25.17 2.27 27.44 2.49 29.93 1.36 31.29 1.36 32.65 1.36 34.01 2.04 36.05 3.17 39.23 15.42 54.65 2.72 57.37 6.35 63.72 11.11 74.83 9.98 84.81 8.16 92.97 7.03 100.00

PERCENTAGE rp

20,432.93 366.31 190.35 611.11 330.88 1,603.75 858.17 1,588.88 338.26 685.72 1,155.14 830.08 3,650.38 4,359.16 9,262.16 2,610.90 26,211.53 3,756.02 11,231.20 19,066.60 109,139.54

20,432.93 20,799.24 20,989.59 21,600.71 21,931.59 23,535.34 24,393.51 25,982.38 26,320.65 27,006.37 28,161.52 28,991.60 32,641.98 37,001.13 46,263.30 48,874.19 75,085.72 78,841.75 90,072.94 109,139.54

BAND

18.72 0.34 0.17 0.56 0.30 1.47 0.79 1.46 0.31 0.63 1.06 0.76 3.34 3.99 8.49 2.39 24.02 3.44 10.29 17.47

PERCENTAGE

CUM.

BAND

CUM

18.72 19.06 19.23 19.79 20.10 21.56 22.35 23.81 24.12 24.74 25.80 26.56 29.91 33.90 42.39 44.78 68.80 72.24 82.53 100.00

397.28 14.97 19.26 69.91 19.26 103.78 54.92 69.23 16.36 47.35 65.10 32.40 158.65 87.75 202.52 23.82 197.07 51.88 206.69 331.21

397.28 274.06 244.69 228.53 196.34 185.09 170.85 156.78 141.20 134.44 128.81 118.70 122.14 116.75 127.56 103.48 124.05 116.34 123.05 138.22

138.22

Page 115 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 28

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2009

DATE

15/09/2009

Power and Heating

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

34 14 12 4 15 4 9 20 4 16 26 14 10 44 17 59 65 22 45 86 520

BAND

CUM.

34 48 60 64 79 83 92 112 116 132 158 172 182 226 243 302 367 389 434 520

6.54 2.69 2.31 0.77 2.88 0.77 1.73 3.85 0.77 3.08 5.00 2.69 1.92 8.46 3.27 11.35 12.50 4.23 8.65 16.54

6.54 9.23 11.54 12.31 15.19 15.96 17.69 21.54 22.31 25.38 30.38 33.08 35.00 43.46 46.73 58.08 70.58 74.81 83.46 100.0

PERCENTAGE rp

131.17 14.66 2.93 3.07 9.47 1.96 6.34 47.78 10.84 38.00 34.40 24.44 28.05 189.50 99.46 602.61 787.00 1,568.90 2,486.04 304,877.10 310,963.70

131.17 145.82 148.75 151.82 161.29 163.25 169.59 217.37 228.20 266.20 300.61 325.05 353.10 542.60 642.06 1,244.67 2,031.67 3,600.57 6,086.61 310,963.70

BAND

0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.02 0.00 0.01 0.01 0.01 0.01 0.06 0.03 0.19 0.25 0.50 0.80 98.04

PERCENTAGE

CUM.

0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.07 0.07 0.09 0.10 0.10 0.11 0.17 0.21 0.40 0.65 1.16 1.96 100.00

1 1 0 1 0 1 0 1 0 1 0 1 0 1 0 1 0 1 1 2 0 2 0 2 0 2 0 2 0 2 0 2 0 2 0 2 2 4 10 14 14

BAND

7.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.29 71.43

CUM.

7.14 7.14 7.14 7.14 7.14 7.14 7.14 7.14 7.14 14.29 14.29 14.29 14.29 14.29 14.29 14.29 14.29 14.29 28.57 100.00

PERCENTAGE rp

476.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,406.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 333.21 116,783.26 120,999.88

476.91 476.91 476.91 476.91 476.91 476.91 476.91 476.91 476.91 3,883.41 3,883.41 3,883.41 3,883.41 3,883.41 3,883.41 3,883.41 3,883.41 3,883.41 4,216.62 120,999.88

BAND

CUM.

PERCENTAGE BAND

0.39 0.39 363.59 0.00 0.39 0.00 0.00 0.39 0.00 0.00 0.39 0.00 0.00 0.39 0.00 0.00 0.39 0.00 0.00 0.39 0.00 0.00 0.39 0.00 0.00 0.39 0.00 2.82 3.21 8964.55 0.00 3.21 0.00 0.00 3.21 0.00 0.00 3.21 0.00 0.00 3.21 0.00 0.00 3.21 0.00 0.00 3.21 0.00 0.00 3.21 0.00 0.00 3.21 0.00 0.28 3.48 13.40 96.52 100.00 38.31

CUM

363.59 327.05 320.60 314.12 295.68 292.13 281.21 219.40 208.99 1458.82 1291.86 1194.71 1099.81 715.71 604.84 312.00 191.14 107.86 69.28 38.91

38.91

Page 116 of 180

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 29

01/01/2007

15/06/2009

DATE

15/09/2009

DATA POSITION FROM

PROCESSING

Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotel, Entretainment, Sport and Services The Caring Services, Motor Vehicle Repair Shop, Private Building, Propierty of Public Bodies SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

153,845 147,600 174,664 106,300 112,494 56,526 38,694 29,094 16,001 8,077 6,271 6,916 4,500 5,357 3,363 4,449 3,092 1,285 1,205 289 880,022

153,845 301,445 476,109 582,409 694,903 751,429 790,123 819,217 835,218 843,295 849,566 856,482 860,982 866,339 869,702 874,151 877,243 878,528 879,733 880,022

BAND

CUM.

17.48 17.48 16.77 34.25 19.85 54.10 12.08 66.18 12.78 78.96 6.42 85.39 4.40 89.78 3.31 93.09 1.82 94.91 0.92 95.83 0.71 96.54 0.79 97.33 0.51 97.84 0.61 98.45 0.38 98.83 0.51 99.33 0.35 99.68 0.15 99.83 0.14 99.97 0.03 100.00

PERCENTAGE rp

59,098.57 33,581.86 69,469.81 69,903.08 106,663.96 74,862.31 73,990.13 69,876.54 49,889.41 33,724.05 28,120.79 35,938.03 27,669.35 42,593.73 26,850.43 53,222.41 47,201.35 34,375.88 53,154.82 127,353.30 1,117,539.83

BAND

CUM.

59,098.57 5.29 5.29 92,680.44 3.00 8.29 162,150.24 6.22 14.51 232,053.32 6.26 20.76 338,717.28 9.54 30.31 413,579.59 6.70 37.01 487,569.72 6.62 43.63 557,446.26 6.25 49.88 607,335.68 4.46 54.35 641,059.73 3.02 57.36 669,180.52 2.52 59.88 705,118.55 3.22 63.10 732,787.90 2.48 65.57 775,381.63 3.81 69.38 802,232.07 2.40 71.79 855,454.48 4.76 76.55 902,655.83 4.22 80.77 937,031.71 3.08 83.85 990,186.53 4.76 88.60 1,117,539.83 11.40 100.00

PERCENTAGE f

460 189 288 259 366 234 189 173 121 73 60 131 117 123 83 135 177 173 228 363 3,942

BAND

CUM.

460 11.67 11.67 649 4.79 16.46 937 7.31 23.77 1,196 6.57 30.34 1,562 9.28 39.62 1,796 5.94 45.56 1,985 4.79 50.36 2,158 4.39 54.74 2,279 3.07 57.81 2,352 1.85 59.67 2,412 1.52 61.19 2,543 3.32 64.51 2,660 2.97 67.48 2,783 3.12 70.60 2,866 2.11 72.70 3,001 3.42 76.13 3,178 4.49 80.62 3,351 4.39 85.01 3,579 5.78 90.79 3,942 9.21 100.00

PERCENTAGE rp

40,305.04 6,935.97 29,155.68 14,267.09 26,693.48 19,334.80 27,268.26 36,796.87 21,385.67 8,120.81 12,200.41 11,717.15 50,409.86 38,727.50 29,238.27 36,772.59 409,080.78 113,526.89 56,619.35 378,278.78 1,366,835.26

BAND

CUM.

40,305.04 2.95 2.95 47,241.01 0.51 3.46 76,396.69 2.13 5.59 90,663.77 1.04 6.63 117,357.26 1.95 8.59 136,692.05 1.41 10.00 163,960.31 1.99 12.00 200,757.18 2.69 14.69 222,142.85 1.56 16.25 230,263.66 0.59 16.85 242,464.08 0.89 17.74 254,181.23 0.86 18.60 304,591.10 3.69 22.28 343,318.59 2.83 25.12 372,556.87 2.14 27.26 409,329.46 2.69 29.95 818,410.24 29.93 59.88 931,937.13 8.31 68.18 988,556.48 4.14 72.32 1,366,835.26 27.68 100.00

PERCENTAGE BAND

CUM

68.20 68.20 20.65 50.97 41.97 47.11 20.41 39.07 25.03 34.65 25.83 33.05 36.85 33.63 52.66 36.01 42.87 36.58 24.08 35.92 43.39 36.23 32.60 36.05 182.19 41.57 90.92 44.28 108.89 46.44 69.09 47.85 866.67 90.67 330.25 99.46 106.52 99.84 297.03 122.31 122.31

Page 117 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2009

DATE

15/09/2009

Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

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

BAND

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

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

CUM.

21.49 28.10 42.15 49.59 56.20 67.77 73.55 76.86 81.82 85.12 86.78 89.26 91.74 93.39 95.87 97.52 100.00 100.00 100.00 100.00

PERCENTAGE rp

30.98 3.51 29.73 14.42 19.55 25.61 26.55 41.56 48.69 33.49 3.00 17.44 29.56 32.57 54.19 147.45 497.33 0.00 0.00 0.00 1,055.63

30.98 34.49 64.22 78.64 98.19 123.80 150.35 191.91 240.60 274.09 277.09 294.53 324.09 356.66 410.85 558.30 1,055.63 1,055.63 1,055.63 1,055.63

BAND

2.93 0.33 2.82 1.37 1.85 2.43 2.52 3.94 4.61 3.17 0.28 1.65 2.80 3.09 5.13 13.97 47.11 0.00 0.00 0.00

CUM.

2.93 3.27 6.08 7.45 9.30 11.73 14.24 18.18 22.79 25.96 26.25 27.90 30.70 33.79 38.92 52.89 100.00 100.00 100.00 100.00

PERCENTAGE f

0 0 0 0 1 0 0 0 1 0 0 0 1 0 0 4 0 0 0 0 7

BAND

0 0 0 0 1 1 1 1 2 2 2 2 3 3 3 7 7 7 7 7

0.00 0.00 0.00 0.00 14.29 0.00 0.00 0.00 14.29 0.00 0.00 0.00 14.29 0.00 0.00 57.14 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 14.29 14.29 14.29 14.29 28.57 28.57 28.57 28.57 42.86 42.86 42.86 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 3.10 0.00 0.00 0.00 1.89 0.00 0.00 0.00 9.28 0.00 0.00 111.01 0.00 0.00 0.00 0.00 125.29

0.00 0.00 0.00 0.00 3.10 3.10 3.10 3.10 5.00 5.00 5.00 5.00 14.28 14.28 14.28 125.29 125.29 125.29 125.29 125.29

BAND

0.00 0.00 0.00 0.00 2.48 0.00 0.00 0.00 1.51 0.00 0.00 0.00 7.41 0.00 0.00 88.60 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 2.48 2.48 2.48 2.48 3.99 3.99 3.99 3.99 11.40 11.40 11.40 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 15.87 0.00 0.00 0.00 3.89 0.00 0.00 0.00 31.39 0.00 0.00 75.29 0.00 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 3.16 2.51 2.06 1.62 2.08 1.82 1.80 1.70 4.41 4.00 3.48 22.44 11.87 11.87 11.87 11.87

11.87

Page 118 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2009

DATE

15/09/2009

Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

26 8 15 8 30 21 26 28 30 22 28 45 35 60 42 71 94 76 24 21 710

26 34 49 57 87 108 134 162 192 214 242 287 322 382 424 495 589 665 689 710

BAND

CUM.

3.66 3.66 1.13 4.79 2.11 6.90 1.13 8.03 4.23 12.25 2.96 15.21 3.66 18.87 3.94 22.82 4.23 27.04 3.10 30.14 3.94 34.08 6.34 40.42 4.93 45.35 8.45 53.80 5.92 59.72 10.00 69.72 13.24 82.96 10.70 93.66 3.38 97.04 2.96 100.00

PERCENTAGE rp

247.44 0.61 9.71 4.59 31.77 222.72 20.72 318.97 48.14 35.52 70.96 74.87 17.99 128.63 108.83 554.70 2,343.07 1,152.92 94.78 89.37 5,576.32

247.44 248.05 257.76 262.35 294.11 516.84 537.56 856.53 904.66 940.19 1,011.15 1,086.02 1,104.01 1,232.64 1,341.47 1,896.17 4,239.24 5,392.17 5,486.95 5,576.32

BAND

4.44 0.01 0.17 0.08 0.57 3.99 0.37 5.72 0.86 0.64 1.27 1.34 0.32 2.31 1.95 9.95 42.02 20.68 1.70 1.60

CUM.

4.44 4.45 4.62 4.70 5.27 9.27 9.64 15.36 16.22 16.86 18.13 19.48 19.80 22.10 24.06 34.00 76.02 96.70 98.40 100.00

PERCENTAGE f

1 0 0 0 0 22 0 35 0 0 0 1 0 2 0 4 5 6 2 0 78

BAND

1 1 1 1 1 23 23 58 58 58 58 59 59 61 61 65 70 76 78 78

CUM.

1.28 1.28 0.00 1.28 0.00 1.28 0.00 1.28 0.00 1.28 28.21 29.49 0.00 29.49 44.87 74.36 0.00 74.36 0.00 74.36 0.00 74.36 1.28 75.64 0.00 75.64 2.56 78.21 0.00 78.21 5.13 83.33 6.41 89.74 7.69 97.44 2.56 100.00 0.00 100.00

PERCENTAGE rp

19.83 0.00 0.00 0.00 0.00 465.72 0.00 705.45 0.00 0.00 0.00 6.34 0.00 471.33 0.00 3.44 215.62 338.17 55.50 0.00 2,281.41

19.83 19.83 19.83 19.83 19.83 485.55 485.55 1,191.01 1,191.01 1,191.01 1,191.01 1,197.35 1,197.35 1,668.68 1,668.68 1,672.12 1,887.74 2,225.91 2,281.41 2,281.41

BAND

0.87 0.00 0.00 0.00 0.00 20.41 0.00 30.92 0.00 0.00 0.00 0.28 0.00 20.66 0.00 0.15 9.45 14.82 2.43 0.00

PERCENTAGE

CUM.

BAND

CUM

0.87 0.87 0.87 0.87 0.87 21.28 21.28 52.20 52.20 52.20 52.20 52.48 52.48 73.14 73.14 73.29 82.74 97.57 100.00 100.00

8.02 0.00 0.00 0.00 0.00 209.10 0.00 221.17 0.00 0.00 0.00 8.47 0.00 366.41 0.00 0.62 9.20 29.33 58.56 0.00

8.02 8.00 7.69 7.56 6.74 93.95 90.33 139.05 131.65 126.68 117.79 110.25 108.45 135.37 124.39 88.18 44.53 41.28 41.58 40.91

40.91

Page 119 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 32

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2009

DATE

15/09/2009

Recreation Place

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

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

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

BAND

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

CUM.

14.29 21.74 30.43 31.68 41.61 42.24 42.86 45.96 47.83 50.31 50.93 52.17 52.80 62.73 64.60 76.40 89.44 96.27 99.38 100.00

PERCENTAGE rp

15.20 29.61 26.11 1.44 14.61 1.62 5.48 30.21 21.13 41.42 22.29 26.74 13.17 281.40 90.22 617.41 1,924.23 1,163.17 1,619.51 32.16 5,977.14

15.20 44.81 70.93 72.37 86.97 88.60 94.07 124.28 145.41 186.84 209.13 235.87 249.04 530.44 620.66 1,238.07 3,162.30 4,325.47 5,944.99 5,977.14

BAND

0.25 0.50 0.44 0.02 0.24 0.03 0.09 0.51 0.35 0.69 0.37 0.45 0.22 4.71 1.51 10.33 32.19 19.46 27.10 0.54

CUM.

0.25 0.75 1.19 1.21 1.46 1.48 1.57 2.08 2.43 3.13 3.50 3.95 4.17 8.87 10.38 20.71 52.91 72.37 99.46 100.00

PERCENTAGE f

2 0 5 0 0 0 0 0 0 0 0 0 0 4 1 1 2 3 3 0 21

2 2 7 7 7 7 7 7 7 7 7 7 7 11 12 13 15 18 21 21

BAND

CUM.

9.52 9.52 0.00 9.52 23.81 33.33 0.00 33.33 0.00 33.33 0.00 33.33 0.00 33.33 0.00 33.33 0.00 33.33 0.00 33.33 0.00 33.33 0.00 33.33 0.00 33.33 19.05 52.38 4.76 57.14 4.76 61.90 9.52 71.43 14.29 85.71 14.29 100.00 0.00 100.00

PERCENTAGE rp

0.68 0.00 1.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 59.14 94.49 11.64 309.44 531.90 450.40 0.00 1,459.54

0.68 0.68 2.54 2.54 2.54 2.54 2.54 2.54 2.54 2.54 2.54 2.54 2.54 61.68 156.16 167.81 477.24 1,009.14 1,459.54 1,459.54

BAND

CUM.

0.05 0.05 0.00 0.05 0.13 0.17 0.00 0.17 0.00 0.17 0.00 0.17 0.00 0.17 0.00 0.17 0.00 0.17 0.00 0.17 0.00 0.17 0.00 0.17 0.00 0.17 4.05 4.23 6.47 10.70 0.80 11.50 21.20 32.70 36.44 69.14 30.86 100.00 0.00 100.00

PERCENTAGE BAND

4.47 0.00 7.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 21.02 104.73 1.89 16.08 45.73 27.81 0.00

CUM

4.47 1.52 3.58 3.51 2.92 2.86 2.70 2.04 1.75 1.36 1.21 1.08 1.02 11.63 25.16 13.55 15.09 23.33 24.55 24.42

24.42

Page 120 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 40

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2009

DATE

15/09/2009

Non Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

850 63 65 27 28 15 10 9 4 2 6 10 6 12 7 20 8 14 7 0 1,163

850 913 978 1,005 1,033 1,048 1,058 1,067 1,071 1,073 1,079 1,089 1,095 1,107 1,114 1,134 1,142 1,156 1,163 1,163

BAND

CUM.

73.09 73.09 5.42 78.50 5.59 84.09 2.32 86.41 2.41 88.82 1.29 90.11 0.86 90.97 0.77 91.75 0.34 92.09 0.17 92.26 0.52 92.78 0.86 93.64 0.52 94.15 1.03 95.18 0.60 95.79 1.72 97.51 0.69 98.19 1.20 99.40 0.60 100.00 0.00 100.00

PERCENTAGE rp

184.85 33.50 50.18 45.37 43.81 32.07 16.54 24.47 16.07 14.95 68.57 94.16 82.42 230.52 345.30 787.55 277.95 252.82 3.90 0.00 2,604.98

184.85 218.34 268.52 313.89 357.71 389.77 406.31 430.78 446.85 461.79 530.36 624.52 706.94 937.46 1,282.76 2,070.31 2,348.26 2,601.08 2,604.98 2,604.98

BAND

7.10 1.29 1.93 1.74 1.68 1.23 0.64 0.94 0.62 0.57 2.63 3.61 3.16 8.85 13.26 30.23 10.67 9.71 0.15 0.00

CUM.

7.10 8.38 10.31 12.05 13.73 14.96 15.60 16.54 17.15 17.73 20.36 23.97 27.14 35.99 49.24 79.48 90.15 99.85 100.00 100.00

PERCENTAGE f

1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 1 1 0 4

BAND

1 1 1 1 1 1 1 1 1 1 1 2 2 2 2 2 2 3 4 4

CUM.

PERCENTAGE rp

25.00 25.00 2.65 0.00 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 25.00 50.00 96.16 0.00 50.00 0.00 0.00 50.00 0.00 0.00 50.00 0.00 0.00 50.00 0.00 0.00 50.00 0.00 25.00 75.00 2,243.72 25.00 100.00 11.11 0.00 100.00 0.00 2,353.64

2.65 2.65 2.65 2.65 2.65 2.65 2.65 2.65 2.65 2.65 2.65 98.81 98.81 98.81 98.81 98.81 98.81 2,342.53 2,353.64 2,353.64

BAND

CUM.

0.11 0.11 0.00 0.11 0.00 0.11 0.00 0.11 0.00 0.11 0.00 0.11 0.00 0.11 0.00 0.11 0.00 0.11 0.00 0.11 0.00 0.11 4.09 4.20 0.00 4.20 0.00 4.20 0.00 4.20 0.00 4.20 0.00 4.20 95.33 99.53 0.47 100.00 0.00 100.00

PERCENTAGE BAND

1.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 102.13 0.00 0.00 0.00 0.00 0.00 887.48 284.93 0.00

CUM

1.43 1.21 0.99 0.84 0.74 0.68 0.65 0.61 0.59 0.57 0.50 15.82 13.98 10.54 7.70 4.77 4.21 90.06 90.35 90.35

90.35

Page 121 of 204

RISK AND LOSS PROFILE 2007 GROUP BY PROVINCE

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

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 01

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

NANGROE ACEH DARUSSALAM

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

1,213 1,573 1,954 1,055 792 332 236 129 61 16 20 20 21 19 12 5 24 18 4 16 7,520

1,213 2,786 4,740 5,795 6,587 6,919 7,155 7,284 7,345 7,361 7,381 7,401 7,422 7,441 7,453 7,458 7,482 7,500 7,504 7,520

BAND

CUM.

16.13 16.13 20.92 37.05 25.98 63.03 14.03 77.06 10.53 87.59 4.41 92.01 3.14 95.15 1.72 96.86 0.81 97.67 0.21 97.89 0.27 98.15 0.27 98.42 0.28 98.70 0.25 98.95 0.16 99.11 0.07 99.18 0.32 99.49 0.24 99.73 0.05 99.79 0.21 100.00

PERCENTAGE rp

253.57 584.71 1,377.64 1,468.15 1,289.91 758.89 673.52 396.92 232.75 65.63 56.91 119.84 137.01 132.58 136.32 99.21 491.54 470.33 752.81 1,117.22 10,615.46

253.57 838.28 2,215.93 3,684.07 4,973.98 5,732.87 6,406.39 6,803.31 7,036.06 7,101.70 7,158.60 7,278.45 7,415.46 7,548.04 7,684.36 7,783.57 8,275.10 8,745.43 9,498.24 10,615.46

BAND

2.39 5.51 12.98 13.83 12.15 7.15 6.34 3.74 2.19 0.62 0.54 1.13 1.29 1.25 1.28 0.93 4.63 4.43 7.09 10.52

CUM.

2.39 7.90 20.87 34.70 46.86 54.00 60.35 64.09 66.28 66.90 67.44 68.56 69.86 71.10 72.39 73.32 77.95 82.38 89.48 100.00

PERCENTAGE f

2 0 3 1 1 0 0 0 0 1 0 0 1 0 0 0 0 3 0 0 12

2 2 5 6 7 7 7 7 7 8 8 8 9 9 9 9 9 12 12 12

BAND

CUM.

16.67 16.67 0.00 16.67 25.00 41.67 8.33 50.00 8.33 58.33 0.00 58.33 0.00 58.33 0.00 58.33 0.00 58.33 8.33 66.67 0.00 66.67 0.00 66.67 8.33 75.00 0.00 75.00 0.00 75.00 0.00 75.00 0.00 75.00 25.00 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

58.50 0.00 206.88 68.68 271.63 0.00 0.00 0.00 0.00 61.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 271.29 0.00 0.00

58.50 58.50 265.38 334.05 605.68 605.68 605.68 605.68 605.68 667.30 667.30 667.30 667.30 667.30 667.30 667.30 667.30 938.59 938.59 938.59

938.59

BAND

CUM.

6.23 6.23 0.00 6.23 22.04 28.27 7.32 35.59 28.94 64.53 0.00 64.53 0.00 64.53 0.00 64.53 0.00 64.53 6.57 71.10 0.00 71.10 0.00 71.10 0.00 71.10 0.00 71.10 0.00 71.10 0.00 71.10 0.00 71.10 28.90 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

23.07 0.00 15.02 4.68 21.06 0.00 0.00 0.00 0.00 93.89 0.00 0.00 0.00 0.00 0.00 0.00 0.00 57.68 0.00 0.00

CUM

23.07 6.98 11.98 9.07 12.18 10.56 9.45 8.90 8.61 9.40 9.32 9.17 9.00 8.84 8.68 8.57 8.06 10.73 9.88 8.84

8.84

Page 122 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 02

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

SUMATERA UTARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

8,683 8,513 13,350 8,517 7,958 3,168 2,304 1,527 899 438 373 456 307 359 226 388 353 140 96 30 58,085

8,683 17,196 30,546 39,063 47,021 50,189 52,493 54,020 54,919 55,357 55,730 56,186 56,493 56,852 57,078 57,466 57,819 57,959 58,055 58,085

BAND

CUM.

14.95 14.95 14.66 29.60 22.98 52.59 14.66 67.25 13.70 80.95 5.45 86.41 3.97 90.37 2.63 93.00 1.55 94.55 0.75 95.30 0.64 95.95 0.79 96.73 0.53 97.26 0.62 97.88 0.39 98.27 0.67 98.93 0.61 99.54 0.24 99.78 0.17 99.95 0.05 100.00

PERCENTAGE rp

4,008.86 1,916.77 4,595.94 4,801.60 7,268.63 4,327.27 4,776.45 4,192.92 3,214.93 2,354.01 2,140.48 3,127.87 2,436.59 3,635.30 2,514.99 6,698.92 7,924.06 3,544.23 3,245.86 2,565.63 79,291.32

4,008.86 5,925.63 10,521.56 15,323.17 22,591.79 26,919.06 31,695.51 35,888.43 39,103.36 41,457.38 43,597.86 46,725.73 49,162.32 52,797.62 55,312.62 62,011.54 69,935.60 73,479.83 76,725.69 79,291.32

BAND

CUM.

5.06 5.06 2.42 7.47 5.80 13.27 6.06 19.33 9.17 28.49 5.46 33.95 6.02 39.97 5.29 45.26 4.05 49.32 2.97 52.28 2.70 54.98 3.94 58.93 3.07 62.00 4.58 66.59 3.17 69.76 8.45 78.21 9.99 88.20 4.47 92.67 4.09 96.76 3.24 100.00

PERCENTAGE f

31 5 15 12 16 9 10 12 3 3 2 4 11 8 7 18 23 10 9 4 212

31 36 51 63 79 88 98 110 113 116 118 122 133 141 148 166 189 199 208 212

BAND

CUM.

14.62 14.62 2.36 16.98 7.08 24.06 5.66 29.72 7.55 37.26 4.25 41.51 4.72 46.23 5.66 51.89 1.42 53.30 1.42 54.72 0.94 55.66 1.89 57.55 5.19 62.74 3.77 66.51 3.30 69.81 8.49 78.30 10.85 89.15 4.72 93.87 4.25 98.11 1.89 100.00

PERCENTAGE rp

95,116.33 231.97 754.91 872.97 2,494.93 2,275.16 1,202.09 789.97 188.72 1,118.96 79.02 159.27 454.65 6,643.49 993.18 16,365.24 10,724.82 372.26 816.62 63.09 141,717.67

95,116.33 95,348.31 96,103.21 96,976.18 99,471.11 101,746.27 102,948.36 103,738.33 103,927.05 105,046.02 105,125.04 105,284.31 105,738.97 112,382.46 113,375.64 129,740.88 140,465.70 140,837.96 141,654.58 141,717.67

BAND

67.12 0.16 0.53 0.62 1.76 1.61 0.85 0.56 0.13 0.79 0.06 0.11 0.32 4.69 0.70 11.55 7.57 0.26 0.58 0.04

CUM.

67.12 67.28 67.81 68.43 70.19 71.80 72.64 73.20 73.33 74.12 74.18 74.29 74.61 79.30 80.00 91.55 99.12 99.38 99.96 100.00

PERCENTAGE BAND

CUM

2372.65 2372.65 12.10 1609.08 16.43 913.39 18.18 632.87 34.32 440.30 52.58 377.97 25.17 324.80 18.84 289.06 5.87 265.78 47.53 253.38 3.69 241.12 5.09 225.32 18.66 215.08 182.75 212.86 39.49 204.97 244.30 209.22 135.35 200.85 10.50 191.67 25.16 184.62 2.46 178.73 178.73

Page 123 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 03

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

SUMATERA BARAT

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

2,855 4,434 5,998 3,318 2,788 1,019 889 560 311 158 155 186 136 123 73 111 74 39 29 7 23,263

2,855 7,289 13,287 16,605 19,393 20,412 21,301 21,861 22,172 22,330 22,485 22,671 22,807 22,930 23,003 23,114 23,188 23,227 23,256 23,263

BAND

CUM.

12.27 12.27 19.06 31.33 25.78 57.12 14.26 71.38 11.98 83.36 4.38 87.74 3.82 91.57 2.41 93.97 1.34 95.31 0.68 95.99 0.67 96.66 0.80 97.46 0.58 98.04 0.53 98.57 0.31 98.88 0.48 99.36 0.32 99.68 0.17 99.85 0.12 99.97 0.03 100.00

PERCENTAGE rp

877.83 866.13 1,873.04 1,603.48 2,648.91 1,465.43 1,866.37 1,484.03 872.77 596.78 469.39 710.58 518.87 577.86 357.42 1,298.33 1,200.87 768.44 1,391.37 86.61 21,534.52

877.83 1,743.96 3,617.00 5,220.48 7,869.39 9,334.83 11,201.20 12,685.22 13,557.99 14,154.78 14,624.17 15,334.74 15,853.61 16,431.47 16,788.89 18,087.23 19,288.10 20,056.54 21,447.91 21,534.52

BAND

4.08 4.02 8.70 7.45 12.30 6.81 8.67 6.89 4.05 2.77 2.18 3.30 2.41 2.68 1.66 6.03 5.58 3.57 6.46 0.40

CUM.

4.08 8.10 16.80 24.24 36.54 43.35 52.02 58.91 62.96 65.73 67.91 71.21 73.62 76.30 77.96 83.99 89.57 93.14 99.60 100.00

PERCENTAGE f

6 6 13 11 21 7 16 2 9 3 11 9 9 9 5 8 10 8 1 0 164

BAND

CUM.

6 3.66 3.66 12 3.66 7.32 25 7.93 15.24 36 6.71 21.95 57 12.80 34.76 64 4.27 39.02 80 9.76 48.78 82 1.22 50.00 91 5.49 55.49 94 1.83 57.32 105 6.71 64.02 114 5.49 69.51 123 5.49 75.00 132 5.49 80.49 137 3.05 83.54 145 4.88 88.41 155 6.10 94.51 163 4.88 99.39 164 0.61 100.00 164 0.00 100.00

PERCENTAGE rp

724.93 148.10 7,262.11 395.26 2,509.01 428.44 353.69 332.85 317.10 23.85 2,269.11 3,128.94 204.47 1,036.22 111.15 213.57 8,853.36 1,620.74 19.02 0.00 29,951.93

724.93 873.03 8,135.14 8,530.40 11,039.41 11,467.85 11,821.55 12,154.40 12,471.49 12,495.34 14,764.45 17,893.40 18,097.87 19,134.09 19,245.24 19,458.81 28,312.17 29,932.91 29,951.93 29,951.93

BAND

CUM.

2.42 2.42 0.49 2.91 24.25 27.16 1.32 28.48 8.38 36.86 1.43 38.29 1.18 39.47 1.11 40.58 1.06 41.64 0.08 41.72 7.58 49.29 10.45 59.74 0.68 60.42 3.46 63.88 0.37 64.25 0.71 64.97 29.56 94.53 5.41 99.94 0.06 100.00 0.00 100.00

PERCENTAGE BAND

CUM

82.58 17.10 387.72 24.65 94.72 29.24 18.95 22.43 36.33 4.00 483.42 440.34 39.41 179.32 31.10 16.45 737.24 210.91 1.37 0.00

82.58 50.06 224.91 163.40 140.28 122.85 105.54 95.82 91.99 88.28 100.96 116.69 114.16 116.45 114.63 107.58 146.79 149.24 139.65 139.09

139.09

Page 124 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 04

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

RIAU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

5,552 4,985 6,846 4,260 3,663 1,411 852 598 316 167 130 152 85 100 89 137 116 86 44 10 29,599

5,552 10,537 17,383 21,643 25,306 26,717 27,569 28,167 28,483 28,650 28,780 28,932 29,017 29,117 29,206 29,343 29,459 29,545 29,589 29,599

BAND

CUM.

18.76 18.76 16.84 35.60 23.13 58.73 14.39 73.12 12.38 85.50 4.77 90.26 2.88 93.14 2.02 95.16 1.07 96.23 0.56 96.79 0.44 97.23 0.51 97.75 0.29 98.03 0.34 98.37 0.30 98.67 0.46 99.14 0.39 99.53 0.29 99.82 0.15 99.97 0.03 100.00

PERCENTAGE rp

1,984.61 1,291.63 3,172.95 3,542.92 5,108.02 2,621.13 2,402.06 1,938.61 1,350.94 864.00 717.75 1,045.54 624.75 1,065.27 1,008.01 2,268.29 3,374.26 2,281.81 2,465.31 162.52 39,290.39

1,984.61 3,276.24 6,449.19 9,992.11 15,100.13 17,721.26 20,123.32 22,061.94 23,412.87 24,276.87 24,994.62 26,040.17 26,664.92 27,730.19 28,738.20 31,006.49 34,380.74 36,662.56 39,127.87 39,290.39

BAND

5.05 3.29 8.08 9.02 13.00 6.67 6.11 4.93 3.44 2.20 1.83 2.66 1.59 2.71 2.57 5.77 8.59 5.81 6.27 0.41

CUM.

5.05 8.34 16.41 25.43 38.43 45.10 51.22 56.15 59.59 61.79 63.62 66.28 67.87 70.58 73.14 78.92 87.50 93.31 99.59 100.00

PERCENTAGE f

18 7 9 9 2 4 2 3 0 3 0 3 3 2 2 6 3 4 0 0 80

BAND

CUM.

18 22.50 22.50 25 8.75 31.25 34 11.25 42.50 43 11.25 53.75 45 2.50 56.25 49 5.00 61.25 51 2.50 63.75 54 3.75 67.50 54 0.00 67.50 57 3.75 71.25 57 0.00 71.25 60 3.75 75.00 63 3.75 78.75 65 2.50 81.25 67 2.50 83.75 73 7.50 91.25 76 3.75 95.00 80 5.00 100.00 80 0.00 100.00 80 0.00 100.00

PERCENTAGE rp

1,631.43 651.00 701.64 1,136.54 546.78 127.30 288.39 57.08 0.00 86.68 0.00 200.57 1,011.16 1,509.47 136.22 1,821.36 1,908.22 1,000.45 0.00 0.00 12,814.29

1,631.43 2,282.43 2,984.07 4,120.61 4,667.39 4,794.70 5,083.09 5,140.17 5,140.17 5,226.85 5,226.85 5,427.42 6,438.58 7,948.04 8,084.27 9,905.62 11,813.84 12,814.29 12,814.29 12,814.29

BAND

CUM.

12.73 12.73 5.08 17.81 5.48 23.29 8.87 32.16 4.27 36.42 0.99 37.42 2.25 39.67 0.45 40.11 0.00 40.11 0.68 40.79 0.00 40.79 1.57 42.35 7.89 50.25 11.78 62.02 1.06 63.09 14.21 77.30 14.89 92.19 7.81 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

82.20 50.40 22.11 32.08 10.70 4.86 12.01 2.94 0.00 10.03 0.00 19.18 161.85 141.70 13.51 80.30 56.55 43.84 0.00 0.00

CUM

82.20 69.67 46.27 41.24 30.91 27.06 25.26 23.30 21.95 21.53 20.91 20.84 24.15 28.66 28.13 31.95 34.36 34.95 32.75 32.61

32.61

Page 125 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 05

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

JAMBI

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

2,485 2,455 2,780 1,460 1,205 451 271 202 93 52 48 39 33 33 20 30 30 24 13 3 11,727

2,485 4,940 7,720 9,180 10,385 10,836 11,107 11,309 11,402 11,454 11,502 11,541 11,574 11,607 11,627 11,657 11,687 11,711 11,724 11,727

BAND

21.19 20.93 23.71 12.45 10.28 3.85 2.31 1.72 0.79 0.44 0.41 0.33 0.28 0.28 0.17 0.26 0.26 0.20 0.11 0.03

CUM.

21.19 42.13 65.83 78.28 88.56 92.40 94.71 96.44 97.23 97.67 98.08 98.41 98.70 98.98 99.15 99.40 99.66 99.86 99.97 100.00

PERCENTAGE rp

548.93 689.78 1,581.24 1,247.35 1,581.19 911.26 736.67 531.87 452.29 260.16 189.58 276.04 281.23 391.35 240.44 813.81 762.11 663.78 433.12 57.59 12,649.81

548.93 1,238.71 2,819.95 4,067.30 5,648.50 6,559.76 7,296.43 7,828.30 8,280.59 8,540.75 8,730.33 9,006.37 9,287.60 9,678.95 9,919.39 10,733.20 11,495.31 12,159.10 12,592.22 12,649.81

BAND

4.34 5.45 12.50 9.86 12.50 7.20 5.82 4.20 3.58 2.06 1.50 2.18 2.22 3.09 1.90 6.43 6.02 5.25 3.42 0.46

CUM.

4.34 9.79 22.29 32.15 44.65 51.86 57.68 61.88 65.46 67.52 69.02 71.20 73.42 76.51 78.42 84.85 90.87 96.12 99.54 100.00

PERCENTAGE f

2 3 2 3 0 1 1 0 0 0 0 0 0 0 2 0 1 0 0 0 15

2 5 7 10 10 11 12 12 12 12 12 12 12 12 14 14 15 15 15 15

BAND

13.33 20.00 13.33 20.00 0.00 6.67 6.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.33 0.00 6.67 0.00 0.00 0.00

CUM.

13.33 33.33 46.67 66.67 66.67 73.33 80.00 80.00 80.00 80.00 80.00 80.00 80.00 80.00 93.33 93.33 100.00 100.00 100.00 100.00

PERCENTAGE rp

51.26 139.05 153.32 128.68 0.00 36.85 3.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00 423.29 0.00 37.00 0.00 0.00 0.00 973.40

51.26 190.30 343.62 472.30 472.30 509.15 513.11 513.11 513.11 513.11 513.11 513.11 513.11 513.11 936.40 936.40 973.40 973.40 973.40 973.40

BAND

5.27 14.28 15.75 13.22 0.00 3.79 0.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 43.49 0.00 3.80 0.00 0.00 0.00

CUM.

PERCENTAGE BAND

5.27 9.34 19.55 20.16 35.30 9.70 48.52 10.32 48.52 0.00 52.31 4.04 52.71 0.54 52.71 0.00 52.71 0.00 52.71 0.00 52.71 0.00 52.71 0.00 52.71 0.00 52.71 0.00 96.20 176.05 96.20 0.00 100.00 4.85 100.00 0.00 100.00 0.00 100.00 0.00

CUM

9.34 15.36 12.19 11.61 8.36 7.76 7.03 6.55 6.20 6.01 5.88 5.70 5.52 5.30 9.44 8.72 8.47 8.01 7.73 7.70

7.70

Page 126 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 06

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

SUMATERA SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

3,983 3,838 5,060 3,008 2,688 1,297 891 598 315 158 119 146 86 131 90 153 128 77 82 40 22,888

3,983 7,821 12,881 15,889 18,577 19,874 20,765 21,363 21,678 21,836 21,955 22,101 22,187 22,318 22,408 22,561 22,689 22,766 22,848 22,888

BAND

CUM.

17.40 17.40 16.77 34.17 22.11 56.28 13.14 69.42 11.74 81.16 5.67 86.83 3.89 90.72 2.61 93.34 1.38 94.71 0.69 95.40 0.52 95.92 0.64 96.56 0.38 96.94 0.57 97.51 0.39 97.90 0.67 98.57 0.56 99.13 0.34 99.47 0.36 99.83 0.17 100.00

PERCENTAGE rp

1,537.11 761.14 1,950.42 1,897.78 2,865.60 2,029.69 2,040.23 1,598.06 1,143.02 700.33 660.37 745.73 569.19 953.37 843.51 1,717.45 2,747.30 2,103.92 2,172.57 1,656.13 30,692.93

1,537.11 2,298.26 4,248.68 6,146.45 9,012.05 11,041.75 13,081.98 14,680.04 15,823.06 16,523.38 17,183.76 17,929.49 18,498.68 19,452.04 20,295.56 22,013.01 24,760.30 26,864.23 29,036.80 30,692.93

BAND

5.01 2.48 6.35 6.18 9.34 6.61 6.65 5.21 3.72 2.28 2.15 2.43 1.85 3.11 2.75 5.60 8.95 6.85 7.08 5.40

CUM.

5.01 7.49 13.84 20.03 29.36 35.97 42.62 47.83 51.55 53.83 55.99 58.42 60.27 63.38 66.12 71.72 80.67 87.53 94.60 100.00

PERCENTAGE f

16 0 1 3 2 3 2 2 0 1 1 1 0 5 0 5 1 6 14 2 65

16 16 17 20 22 25 27 29 29 30 31 32 32 37 37 42 43 49 63 65

BAND

CUM.

24.62 24.62 0.00 24.62 1.54 26.15 4.62 30.77 3.08 33.85 4.62 38.46 3.08 41.54 3.08 44.62 0.00 44.62 1.54 46.15 1.54 47.69 1.54 49.23 0.00 49.23 7.69 56.92 0.00 56.92 7.69 64.62 1.54 66.15 9.23 75.38 21.54 96.92 3.08 100.00

PERCENTAGE rp

2,152.54 0.00 5.48 88.22 48.78 77.48 610.61 873.64 0.00 3,406.50 1,067.53 5.00 0.00 1,864.73 0.00 132.11 138.92 2,802.40 17,813.79 872.92 31,960.66

2,152.54 2,152.54 2,158.02 2,246.25 2,295.02 2,372.51 2,983.12 3,856.76 3,856.76 7,263.26 8,330.79 8,335.79 8,335.79 10,200.51 10,200.51 10,332.63 10,471.55 13,273.95 31,087.74 31,960.66

BAND

CUM.

6.73 6.73 0.00 6.73 0.02 6.75 0.28 7.03 0.15 7.18 0.24 7.42 1.91 9.33 2.73 12.07 0.00 12.07 10.66 22.73 3.34 26.07 0.02 26.08 0.00 26.08 5.83 31.92 0.00 31.92 0.41 32.33 0.43 32.76 8.77 41.53 55.74 97.27 2.73 100.00

PERCENTAGE BAND

CUM

140.04 0.00 0.28 4.65 1.70 3.82 29.93 54.67 0.00 486.42 161.66 0.67 0.00 195.59 0.00 7.69 5.06 133.20 819.94 52.71

140.04 93.66 50.79 36.55 25.47 21.49 22.80 26.27 24.37 43.96 48.48 46.49 45.06 52.44 50.26 46.94 42.29 49.41 107.06 104.13

104.13

Page 127 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 07

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

BENGKULU

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 1,613 75 1,546 150 1,366 250 756 400 568 625 223 875 117 1,250 71 1,750 39 2,250 17 2,750 22 3,500 20 4,500 7 6,250 15 8,750 14 15,000 9 35,000 15 75,000 2 300,000 2 2 6,424

1,613 3,159 4,525 5,281 5,849 6,072 6,189 6,260 6,299 6,316 6,338 6,358 6,365 6,380 6,394 6,403 6,418 6,420 6,422 6,424

BAND

CUM.

25.11 25.11 24.07 49.17 21.26 70.44 11.77 82.21 8.84 91.05 3.47 94.52 1.82 96.34 1.11 97.45 0.61 98.05 0.26 98.32 0.34 98.66 0.31 98.97 0.11 99.08 0.23 99.32 0.22 99.53 0.14 99.67 0.23 99.91 0.03 99.94 0.03 99.97 0.03 100.00

PERCENTAGE rp

346.49 364.28 619.26 509.00 674.60 458.91 324.32 198.73 114.24 95.38 90.43 228.12 29.18 108.78 343.16 214.20 516.47 138.58 13.77 28.29 5,416.19

346.49 710.77 1,330.03 1,839.03 2,513.63 2,972.54 3,296.86 3,495.59 3,609.83 3,705.21 3,795.64 4,023.77 4,052.94 4,161.72 4,504.88 4,719.08 5,235.55 5,374.13 5,387.90 5,416.19

BAND

6.40 6.73 11.43 9.40 12.46 8.47 5.99 3.67 2.11 1.76 1.67 4.21 0.54 2.01 6.34 3.95 9.54 2.56 0.25 0.52

CUM.

6.40 13.12 24.56 33.95 46.41 54.88 60.87 64.54 66.65 68.41 70.08 74.29 74.83 76.84 83.17 87.13 96.66 99.22 99.48 100.00

PERCENTAGE f

6 2 8 1 7 4 1 1 1 0 1 1 1 1 1 2 1 0 2 0 41

6 8 16 17 24 28 29 30 31 31 32 33 34 35 36 38 39 39 41 41

BAND

14.63 4.88 19.51 2.44 17.07 9.76 2.44 2.44 2.44 0.00 2.44 2.44 2.44 2.44 2.44 4.88 2.44 0.00 4.88 0.00

CUM.

PERCENTAGE rp

14.63 490.40 19.51 314.30 39.02 335.86 41.46 4.90 58.54 465.58 68.29 1,222.98 70.73 948.15 73.17 10.79 75.61 11.25 75.61 0.00 78.05 6.68 80.49 62.10 82.93 12.50 85.37 15.33 87.80 28.75 92.68 115.73 95.12 169.93 95.12 0.00 100.00 55.99 100.00 0.00 4,271.23

490.40 804.70 1,140.56 1,145.46 1,611.04 2,834.02 3,782.17 3,792.96 3,804.21 3,804.21 3,810.89 3,872.99 3,885.49 3,900.82 3,929.58 4,045.31 4,215.24 4,215.24 4,271.23 4,271.23

BAND

11.48 7.36 7.86 0.11 10.90 28.63 22.20 0.25 0.26 0.00 0.16 1.45 0.29 0.36 0.67 2.71 3.98 0.00 1.31 0.00

CUM.

11.48 18.84 26.70 26.82 37.72 66.35 88.55 88.80 89.07 89.07 89.22 90.68 90.97 91.33 92.00 94.71 98.69 98.69 100.00 100.00

PERCENTAGE BAND

141.53 86.28 54.24 0.96 69.02 266.50 292.35 5.43 9.85 0.00 7.39 27.22 42.84 14.10 8.38 54.03 32.90 0.00 406.69 0.00

CUM

141.53 113.22 85.75 62.29 64.09 95.34 114.72 108.51 105.38 102.67 100.40 96.25 95.87 93.73 87.23 85.72 80.51 78.44 79.27 78.86

78.86

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RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 08

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

LAMPUNG

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

2,478 3,128 3,510 1,894 1,999 928 617 484 258 132 123 118 110 113 89 157 143 108 63 25 16,477

2,478 5,606 9,116 11,010 13,009 13,937 14,554 15,038 15,296 15,428 15,551 15,669 15,779 15,892 15,981 16,138 16,281 16,389 16,452 16,477

BAND

CUM.

15.04 15.04 18.98 34.02 21.30 55.33 11.49 66.82 12.13 78.95 5.63 84.58 3.74 88.33 2.94 91.27 1.57 92.83 0.80 93.63 0.75 94.38 0.72 95.10 0.67 95.76 0.69 96.45 0.54 96.99 0.95 97.94 0.87 98.81 0.66 99.47 0.38 99.85 0.15 100.00

PERCENTAGE rp

1,330.45 531.45 1,181.20 1,197.57 2,023.71 1,364.34 1,366.34 1,408.80 1,046.13 605.01 545.57 629.65 686.80 845.38 879.67 2,856.26 2,940.25 1,817.18 4,175.89 1,924.45 29,356.12

1,330.45 1,861.90 3,043.10 4,240.68 6,264.39 7,628.73 8,995.07 10,403.88 11,450.01 12,055.02 12,600.59 13,230.24 13,917.04 14,762.42 15,642.09 18,498.35 21,438.60 23,255.78 27,431.67 29,356.12

BAND

4.53 1.81 4.02 4.08 6.89 4.65 4.65 4.80 3.56 2.06 1.86 2.14 2.34 2.88 3.00 9.73 10.02 6.19 14.22 6.56

PERCENTAGE

CUM.

4.53 6.34 10.37 14.45 21.34 25.99 30.64 35.44 39.00 41.06 42.92 45.07 47.41 50.29 53.28 63.01 73.03 79.22 93.44 100.00

12 2 1 2 5 4 3 3 2 2 2 1 2 3 2 5 11 4 2 1 69

BAND

12 14 15 17 22 26 29 32 34 36 38 39 41 44 46 51 62 66 68 69

CUM.

17.39 17.39 2.90 20.29 1.45 21.74 2.90 24.64 7.25 31.88 5.80 37.68 4.35 42.03 4.35 46.38 2.90 49.28 2.90 52.17 2.90 55.07 1.45 56.52 2.90 59.42 4.35 63.77 2.90 66.67 7.25 73.91 15.94 89.86 5.80 95.65 2.90 98.55 1.45 100.00

PERCENTAGE rp

6,021.97 57.33 42.23 290.70 344.94 144.49 98.42 314.08 174.97 254.93 82.00 109.86 370.27 12,124.73 163.11 2,536.62 850.97 2,712.97 251.57 115.26 27,061.41

6,021.97 6,079.30 6,121.53 6,412.23 6,757.16 6,901.65 7,000.08 7,314.15 7,489.13 7,744.05 7,826.05 7,935.91 8,306.18 20,430.92 20,594.03 23,130.64 23,981.61 26,694.58 26,946.15 27,061.41

BAND

22.25 0.21 0.16 1.07 1.27 0.53 0.36 1.16 0.65 0.94 0.30 0.41 1.37 44.80 0.60 9.37 3.14 10.03 0.93 0.43

CUM.

22.25 22.46 22.62 23.70 24.97 25.50 25.87 27.03 27.67 28.62 28.92 29.33 30.69 75.50 76.10 85.47 88.62 98.64 99.57 100.00

PERCENTAGE BAND

452.63 10.79 3.57 24.27 17.04 10.59 7.20 22.29 16.73 42.14 15.03 17.45 53.91 1434.24 18.54 88.81 28.94 149.30 6.02 5.99

CUM

452.63 326.51 201.16 151.21 107.87 90.47 77.82 70.30 65.41 64.24 62.11 59.98 59.68 138.40 131.66 125.04 111.86 114.79 98.23 92.18

92.18

Page 129 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 09

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

DKI JAKARTA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

23,289 16,960 31,740 26,978 36,431 20,217 14,655 11,227 6,199 3,260 2,516 2,845 1,888 2,285 1,467 2,085 1,570 705 849 345 207,511

23,289 40,249 71,989 98,967 135,398 155,615 170,270 181,497 187,696 190,956 193,472 196,317 198,205 200,490 201,957 204,042 205,612 206,317 207,166 207,511

BAND

CUM.

11.22 11.22 8.17 19.40 15.30 34.69 13.00 47.69 17.56 65.25 9.74 74.99 7.06 82.05 5.41 87.46 2.99 90.45 1.57 92.02 1.21 93.23 1.37 94.61 0.91 95.52 1.10 96.62 0.71 97.32 1.00 98.33 0.76 99.08 0.34 99.42 0.41 99.83 0.17 100.00

PERCENTAGE rp

21,428.01 4,159.29 10,308.23 13,255.49 26,119.61 20,791.07 21,544.46 22,491.34 17,059.90 14,510.99 9,945.73 13,886.99 11,131.08 15,667.11 11,723.79 24,410.03 22,670.23 16,504.19 31,795.85 400,530.64 729,934.02

BAND

CUM.

21,428.01 2.94 2.94 25,587.30 0.57 3.51 35,895.53 1.41 4.92 49,151.02 1.82 6.73 75,270.63 3.58 10.31 96,061.69 2.85 13.16 117,606.15 2.95 16.11 140,097.49 3.08 19.19 157,157.39 2.34 21.53 171,668.38 1.99 23.52 181,614.11 1.36 24.88 195,501.10 1.90 26.78 206,632.19 1.52 28.31 222,299.30 2.15 30.45 234,023.09 1.61 32.06 258,433.11 3.34 35.40 281,103.35 3.11 38.51 297,607.53 2.26 40.77 329,403.38 4.36 45.13 729,934.02 54.87 100.00

PERCENTAGE f

189 50 85 90 170 111 89 121 73 41 36 39 74 70 39 65 93 64 181 301 1,981

BAND

189 9.54 239 2.52 324 4.29 414 4.54 584 8.58 695 5.60 784 4.49 905 6.11 978 3.69 1,019 2.07 1,055 1.82 1,094 1.97 1,168 3.74 1,238 3.53 1,277 1.97 1,342 3.28 1,435 4.69 1,499 3.23 1,680 9.14 1,981 15.19

CUM.

9.54 12.06 16.36 20.90 29.48 35.08 39.58 45.68 49.37 51.44 53.26 55.22 58.96 62.49 64.46 67.74 72.44 75.67 84.81 100.00

PERCENTAGE rp

22,257.39 1,476.64 3,613.43 3,694.28 7,292.48 6,411.68 8,396.57 30,904.00 10,826.72 5,221.60 9,205.97 7,454.06 45,546.72 15,792.29 23,757.95 13,363.41 421,465.00 90,455.50 63,959.39 206,515.20 997,610.29

22,257.39 23,734.03 27,347.46 31,041.74 38,334.22 44,745.91 53,142.48 84,046.48 94,873.20 100,094.80 109,300.76 116,754.82 162,301.54 178,093.83 201,851.78 215,215.19 636,680.19 727,135.69 791,095.09 997,610.29

BAND

CUM.

2.23 2.23 0.15 2.38 0.36 2.74 0.37 3.11 0.73 3.84 0.64 4.49 0.84 5.33 3.10 8.42 1.09 9.51 0.52 10.03 0.92 10.96 0.75 11.70 4.57 16.27 1.58 17.85 2.38 20.23 1.34 21.57 42.25 63.82 9.07 72.89 6.41 79.30 20.70 100.00

PERCENTAGE BAND

103.87 35.50 35.05 27.87 27.92 30.84 38.97 137.40 63.46 35.98 92.56 53.68 409.18 100.80 202.65 54.75 1859.11 548.08 201.16 51.56

CUM

103.87 92.76 76.19 63.16 50.93 46.58 45.19 59.99 60.37 58.31 60.18 59.72 78.55 80.11 86.25 83.28 226.49 244.33 240.16 136.67

136.67

Page 130 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 10

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

JAWA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

27,310 25,887 27,674 15,444 14,929 7,677 5,189 4,248 2,427 1,364 1,180 1,340 968 1,418 998 1,812 1,650 880 953 311 143,659

27,310 53,197 80,871 96,315 111,244 118,921 124,110 128,358 130,785 132,149 133,329 134,669 135,637 137,055 138,053 139,865 141,515 142,395 143,348 143,659

BAND

CUM.

19.01 19.01 18.02 37.03 19.26 56.29 10.75 67.04 10.39 77.44 5.34 82.78 3.61 86.39 2.96 89.35 1.69 91.04 0.95 91.99 0.82 92.81 0.93 93.74 0.67 94.42 0.99 95.40 0.69 96.10 1.26 97.36 1.15 98.51 0.61 99.12 0.66 99.78 0.22 100.00

PERCENTAGE rp

14,296.79 5,495.94 10,138.11 9,092.63 13,378.27 9,846.85 9,753.54 10,009.63 8,173.09 5,087.12 5,300.86 6,907.86 5,995.29 11,032.28 8,766.64 22,000.76 25,216.15 18,511.69 17,126.53 17,347.86 233,477.90

BAND

CUM.

14,296.79 6.12 6.12 19,792.73 2.35 8.48 29,930.84 4.34 12.82 39,023.47 3.89 16.71 52,401.74 5.73 22.44 62,248.59 4.22 26.66 72,002.13 4.18 30.84 82,011.76 4.29 35.13 90,184.85 3.50 38.63 95,271.97 2.18 40.81 100,572.83 2.27 43.08 107,480.69 2.96 46.03 113,475.98 2.57 48.60 124,508.26 4.73 53.33 133,274.90 3.75 57.08 155,275.67 9.42 66.51 180,491.82 10.80 77.31 199,003.51 7.93 85.23 216,130.04 7.34 92.57 233,477.90 7.43 100.00

PERCENTAGE f

159 23 47 48 35 30 31 20 20 12 8 20 29 33 34 73 65 73 91 124 975

159 182 229 277 312 342 373 393 413 425 433 453 482 515 549 622 687 760 851 975

BAND

CUM.

16.31 16.31 2.36 18.67 4.82 23.49 4.92 28.41 3.59 32.00 3.08 35.08 3.18 38.26 2.05 40.31 2.05 42.36 1.23 43.59 0.82 44.41 2.05 46.46 2.97 49.44 3.38 52.82 3.49 56.31 7.49 63.79 6.67 70.46 7.49 77.95 9.33 87.28 12.72 100.00

PERCENTAGE rp

63,941.19 6,675.84 1,401.50 1,922.28 1,494.45 4,140.51 4,621.57 3,381.94 7,466.03 1,210.31 806.01 1,716.80 2,713.57 9,231.61 12,433.98 8,926.73 8,159.38 16,251.04 10,517.02 367,545.03 534,556.79

63,941.19 70,617.02 72,018.53 73,940.81 75,435.25 79,575.76 84,197.33 87,579.27 95,045.31 96,255.62 97,061.63 98,778.43 101,492.00 110,723.61 123,157.60 132,084.32 140,243.70 156,494.74 167,011.76 534,556.79

PERCENTAGE

BAND

CUM.

BAND

CUM.

11.96 1.25 0.26 0.36 0.28 0.77 0.86 0.63 1.40 0.23 0.15 0.32 0.51 1.73 2.33 1.67 1.53 3.04 1.97 68.76

11.96 13.21 13.47 13.83 14.11 14.89 15.75 16.38 17.78 18.01 18.16 18.48 18.99 20.71 23.04 24.71 26.24 29.28 31.24 100.00

447.24 121.47 13.82 21.14 11.17 42.05 47.38 33.79 91.35 23.79 15.21 24.85 45.26 83.68 141.83 40.57 32.36 87.79 61.41 2118.68

447.24 356.78 240.62 189.48 143.96 127.84 116.94 106.79 105.39 101.03 96.51 91.90 89.44 88.93 92.41 85.06 77.70 78.64 77.27 228.95

228.95

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RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 11

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

JAWA TENGAH

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

23,392 15,043 13,073 6,515 6,716 3,778 2,546 2,222 1,293 716 623 705 504 655 397 654 522 221 251 88 79,914

23,392 38,435 51,508 58,023 64,739 68,517 71,063 73,285 74,578 75,294 75,917 76,622 77,126 77,781 78,178 78,832 79,354 79,575 79,826 79,914

BAND

CUM.

29.27 29.27 18.82 48.10 16.36 64.45 8.15 72.61 8.40 81.01 4.73 85.74 3.19 88.92 2.78 91.70 1.62 93.32 0.90 94.22 0.78 95.00 0.88 95.88 0.63 96.51 0.82 97.33 0.50 97.83 0.82 98.65 0.65 99.30 0.28 99.58 0.31 99.89 0.11 100.00

PERCENTAGE rp

5,422.68 4,765.71 4,858.86 4,006.48 6,670.43 5,064.28 4,640.82 5,414.47 4,209.92 2,734.35 2,722.16 3,790.88 3,394.40 9,368.95 3,648.61 8,139.96 8,397.71 3,980.62 4,608.34 9,733.17 105,572.80

5,422.68 10,188.39 15,047.25 19,053.73 25,724.16 30,788.44 35,429.26 40,843.73 45,053.65 47,788.00 50,510.16 54,301.04 57,695.44 67,064.39 70,713.00 78,852.96 87,250.67 91,231.29 95,839.63 105,572.80

BAND

CUM.

5.14 5.14 4.51 9.65 4.60 14.25 3.79 18.05 6.32 24.37 4.80 29.16 4.40 33.56 5.13 38.69 3.99 42.68 2.59 45.27 2.58 47.84 3.59 51.43 3.22 54.65 8.87 63.52 3.46 66.98 7.71 74.69 7.95 82.65 3.77 86.42 4.37 90.78 9.22 100.00

PERCENTAGE f

70 13 27 8 20 13 19 18 10 13 6 15 20 12 17 29 61 25 13 18 427

BAND

CUM.

70 16.39 16.39 83 3.04 19.44 110 6.32 25.76 118 1.87 27.63 138 4.68 32.32 151 3.04 35.36 170 4.45 39.81 188 4.22 44.03 198 2.34 46.37 211 3.04 49.41 217 1.41 50.82 232 3.51 54.33 252 4.68 59.02 264 2.81 61.83 281 3.98 65.81 310 6.79 72.60 371 14.29 86.89 396 5.85 92.74 409 3.04 95.78 427 4.22 100.00

PERCENTAGE rp

7,222.50 7,222.50 136.61 7,359.11 613.87 7,972.98 789.72 8,762.69 578.15 9,340.84 2,203.87 11,544.70 2,151.11 13,695.82 1,721.37 15,417.19 1,844.27 17,261.46 1,862.29 19,123.74 506.45 19,630.19 1,854.87 21,485.06 4,017.87 25,502.94 572.60 26,075.53 2,351.89 28,427.43 10,038.52 38,465.95 3,704.30 42,170.25 2,508.12 44,678.36 59,241.28 103,919.64 -6,038.07 97,881.58 97,881.58

BAND

CUM.

7.38 7.38 0.14 7.52 0.63 8.15 0.81 8.95 0.59 9.54 2.25 11.79 2.20 13.99 1.76 15.75 1.88 17.64 1.90 19.54 0.52 20.06 1.90 21.95 4.10 26.05 0.58 26.64 2.40 29.04 10.26 39.30 3.78 43.08 2.56 45.65 60.52 106.17 -6.17 100.00

PERCENTAGE BAND

133.19 2.87 12.63 19.71 8.67 43.52 46.35 31.79 43.81 68.11 18.60 48.93 118.37 6.11 64.46 123.32 44.11 63.01 1285.52 -62.04

CUM

133.19 72.23 52.99 45.99 36.31 37.50 38.66 37.75 38.31 40.02 38.86 39.57 44.20 38.88 40.20 48.78 48.33 48.97 108.43 92.71

92.71

Page 132 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 12

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

DI YOGYAKARTA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

2,273 1,887 1,919 1,063 1,058 624 445 308 222 126 93 96 71 80 53 92 60 30 15 4 10,519

2,273 4,160 6,079 7,142 8,200 8,824 9,269 9,577 9,799 9,925 10,018 10,114 10,185 10,265 10,318 10,410 10,470 10,500 10,515 10,519

BAND

CUM.

21.61 21.61 17.94 39.55 18.24 57.79 10.11 67.90 10.06 77.95 5.93 83.89 4.23 88.12 2.93 91.04 2.11 93.16 1.20 94.35 0.88 95.24 0.91 96.15 0.67 96.82 0.76 97.59 0.50 98.09 0.87 98.96 0.57 99.53 0.29 99.82 0.14 99.96 0.04 100.00

PERCENTAGE rp

586.87 380.49 716.05 572.52 947.97 754.22 792.94 686.55 566.98 360.38 363.58 385.81 374.12 594.97 448.18 1,867.74 567.68 588.89 138.54 -58.78 11,635.69

586.87 967.36 1,683.41 2,255.93 3,203.90 3,958.13 4,751.07 5,437.62 6,004.59 6,364.97 6,728.56 7,114.36 7,488.48 8,083.45 8,531.64 10,399.38 10,967.05 11,555.94 11,694.48 11,635.69

BAND

5.04 3.27 6.15 4.92 8.15 6.48 6.81 5.90 4.87 3.10 3.12 3.32 3.22 5.11 3.85 16.05 4.88 5.06 1.19 -0.51

CUM.

5.04 8.31 14.47 19.39 27.54 34.02 40.83 46.73 51.60 54.70 57.83 61.14 64.36 69.47 73.32 89.37 94.25 99.31 100.51 100.00

PERCENTAGE f

2 1 2 1 5 3 2 1 3 0 0 1 0 1 0 2 1 1 0 0 26

BAND

2 3 5 6 11 14 16 17 20 20 20 21 21 22 22 24 25 26 26 26

CUM.

7.69 7.69 3.85 11.54 7.69 19.23 3.85 23.08 19.23 42.31 11.54 53.85 7.69 61.54 3.85 65.38 11.54 76.92 0.00 76.92 0.00 76.92 3.85 80.77 0.00 80.77 3.85 84.62 0.00 84.62 7.69 92.31 3.85 96.15 3.85 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

286.50 7.64 152.48 3.57 15.42 590.26 184.60 1.10 95.98 0.00 0.00 50.00 0.00 8.11 0.00 180.72 33,930.00 49.86 0.00 0.00 35,556.24

286.50 294.14 446.62 450.20 465.62 1,055.87 1,240.47 1,241.57 1,337.55 1,337.55 1,337.55 1,387.55 1,387.55 1,395.66 1,395.66 1,576.37 35,506.37 35,556.24 35,556.24 35,556.24

BAND

CUM.

0.81 0.81 0.02 0.83 0.43 1.26 0.01 1.27 0.04 1.31 1.66 2.97 0.52 3.49 0.00 3.49 0.27 3.76 0.00 3.76 0.00 3.76 0.14 3.90 0.00 3.90 0.02 3.93 0.00 3.93 0.51 4.43 95.43 99.86 0.14 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

CUM

48.82 2.01 21.29 0.62 1.63 78.26 23.28 0.16 16.93 0.00 0.00 12.96 0.00 1.36 0.00 9.68 5977.00 8.47 0.00 0.00

48.82 30.41 26.53 19.96 14.53 26.68 26.11 22.83 22.28 21.01 19.88 19.50 18.53 17.27 16.36 15.16 323.75 307.69 304.04 305.58

305.58

Page 133 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 13

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

JAWA TIMUR

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

19,657 17,450 18,087 10,566 11,906 6,705 4,810 4,216 2,564 1,402 1,088 1,259 863 1,140 759 1,223 903 409 377 148 105,532

19,657 37,107 55,194 65,760 77,666 84,371 89,181 93,397 95,961 97,363 98,451 99,710 100,573 101,713 102,472 103,695 104,598 105,007 105,384 105,532

BAND

18.63 16.54 17.14 10.01 11.28 6.35 4.56 3.99 2.43 1.33 1.03 1.19 0.82 1.08 0.72 1.16 0.86 0.39 0.36 0.14

CUM.

18.63 35.16 52.30 62.31 73.59 79.95 84.51 88.50 90.93 92.26 93.29 94.48 95.30 96.38 97.10 98.26 99.11 99.50 99.86 100.00

PERCENTAGE rp

15,814.72 3,415.68 6,503.59 6,214.29 10,610.99 8,188.19 8,121.57 10,366.47 7,605.22 5,203.15 6,564.74 7,072.47 5,656.05 9,334.92 8,050.87 17,867.47 19,619.07 8,105.49 6,929.41 2,792.78 174,037.13

BAND

15,814.72 9.09 19,230.40 1.96 25,733.99 3.74 31,948.28 3.57 42,559.27 6.10 50,747.46 4.70 58,869.03 4.67 69,235.50 5.96 76,840.72 4.37 82,043.87 2.99 88,608.61 3.77 95,681.08 4.06 101,337.13 3.25 110,672.05 5.36 118,722.91 4.63 136,590.38 10.27 156,209.45 11.27 164,314.94 4.66 171,244.35 3.98 174,037.13 1.60

CUM.

9.09 11.05 14.79 18.36 24.45 29.16 33.83 39.78 44.15 47.14 50.91 54.98 58.23 63.59 68.22 78.48 89.76 94.41 98.40 100.00

PERCENTAGE f

62 11 12 13 24 41 16 53 10 10 13 47 12 21 15 32 43 32 39 23 529

62 73 85 98 122 163 179 232 242 252 265 312 324 345 360 392 435 467 506 529

BAND

11.72 2.08 2.27 2.46 4.54 7.75 3.02 10.02 1.89 1.89 2.46 8.88 2.27 3.97 2.84 6.05 8.13 6.05 7.37 4.35

CUM.

11.72 13.80 16.07 18.53 23.06 30.81 33.84 43.86 45.75 47.64 50.09 58.98 61.25 65.22 68.05 74.10 82.23 88.28 95.65 100.00

PERCENTAGE rp

30,620.30 259.86 565.10 1,159.05 2,590.09 1,617.45 2,495.10 2,211.80 2,028.08 191.03 1,075.49 2,130.33 3,101.32 5,375.52 8,445.42 15,760.32 43,950.40 98,390.98 10,238.75 13,944.31 246,150.69

30,620.30 30,880.16 31,445.26 32,604.31 35,194.40 36,811.85 39,306.95 41,518.75 43,546.83 43,737.86 44,813.35 46,943.67 50,044.99 55,420.51 63,865.93 79,626.25 123,576.66 221,967.63 232,206.38 246,150.69

BAND

CUM.

12.44 0.11 0.23 0.47 1.05 0.66 1.01 0.90 0.82 0.08 0.44 0.87 1.26 2.18 3.43 6.40 17.86 39.97 4.16 5.66

12.44 12.55 12.77 13.25 14.30 14.96 15.97 16.87 17.69 17.77 18.21 19.07 20.33 22.51 25.95 32.35 50.20 90.18 94.34 100.00

PERCENTAGE BAND

193.62 7.61 8.69 18.65 24.41 19.75 30.72 21.34 26.67 3.67 16.38 30.12 54.83 57.59 104.90 88.21 224.02 1213.88 147.76 499.30

CUM

193.62 160.58 122.19 102.05 82.70 72.54 66.77 59.97 56.67 53.31 50.57 49.06 49.38 50.08 53.79 58.30 79.11 135.09 135.60 141.44

141.44

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RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 14

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

KALIMANTAN BARAT

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

5,610 8,483 7,637 2,483 1,980 675 443 296 133 80 66 83 56 59 23 57 39 21 20 8 28,252

5,610 14,093 21,730 24,213 26,193 26,868 27,311 27,607 27,740 27,820 27,886 27,969 28,025 28,084 28,107 28,164 28,203 28,224 28,244 28,252

BAND

CUM.

19.86 19.86 30.03 49.88 27.03 76.91 8.79 85.70 7.01 92.71 2.39 95.10 1.57 96.67 1.05 97.72 0.47 98.19 0.28 98.47 0.23 98.70 0.29 99.00 0.20 99.20 0.21 99.41 0.08 99.49 0.20 99.69 0.14 99.83 0.07 99.90 0.07 99.97 0.03 100.00

PERCENTAGE rp

2,824.22 4,197.58 7,231.35 7,320.07 4,632.58 2,129.18 1,644.56 1,494.89 870.32 468.39 594.16 830.83 747.36 819.33 319.24 1,277.85 1,026.29 371.37 573.02 48.12 39,420.73

2,824.22 7,021.80 14,253.15 21,573.22 26,205.80 28,334.99 29,979.55 31,474.44 32,344.77 32,813.16 33,407.32 34,238.15 34,985.51 35,804.84 36,124.08 37,401.94 38,428.22 38,799.60 39,372.61 39,420.73

BAND

7.16 10.65 18.34 18.57 11.75 5.40 4.17 3.79 2.21 1.19 1.51 2.11 1.90 2.08 0.81 3.24 2.60 0.94 1.45 0.12

CUM.

7.16 17.81 36.16 54.73 66.48 71.88 76.05 79.84 82.05 83.24 84.75 86.85 88.75 90.83 91.64 94.88 97.48 98.42 99.88 100.00

PERCENTAGE f

22 40 38 11 11 5 2 2 1 0 1 1 0 0 0 0 1 0 0 0

22 16.30 16.30 62 29.63 45.93 100 28.15 74.07 111 8.15 82.22 122 8.15 90.37 127 3.70 94.07 129 1.48 95.56 131 1.48 97.04 132 0.74 97.78 132 0.00 97.78 133 0.74 98.52 134 0.74 99.26 134 0.00 99.26 134 0.00 99.26 134 0.00 99.26 134 0.00 99.26 135 0.74 100.00 135 0.00 100.00 135 0.00 100.00 135 0.00 100.00

135

BAND

CUM.

PERCENTAGE rp

8,594.85 2,059.58 4,788.53 2,447.63 3,541.62 579.51 1,207.04 1,302.05 2.31 0.00 324.00 11.71 0.00 0.00 0.00 0.00 5.59 0.00 0.00 0.00 24,864.42

BAND

CUM.

8,594.85 34.57 34.57 10,654.43 8.28 42.85 15,442.96 19.26 62.11 17,890.59 9.84 71.95 21,432.21 14.24 86.20 22,011.72 2.33 88.53 23,218.75 4.85 93.38 24,520.80 5.24 98.62 24,523.11 0.01 98.63 24,523.11 0.00 98.63 24,847.11 1.30 99.93 24,858.83 0.05 99.98 24,858.83 0.00 99.98 24,858.83 0.00 99.98 24,858.83 0.00 99.98 24,858.83 0.00 99.98 24,864.42 0.02 100.00 24,864.42 0.00 100.00 24,864.42 0.00 100.00 24,864.42 0.00 100.00

PERCENTAGE BAND

304.33 49.07 66.22 33.44 76.45 27.22 73.40 87.10 0.26 0.00 54.53 1.41 0.00 0.00 0.00 0.00 0.54 0.00 0.00 0.00

CUM

304.33 151.73 108.35 82.93 81.78 77.68 77.45 77.91 75.82 74.74 74.38 72.61 71.05 69.43 68.82 66.46 64.70 64.08 63.15 63.07

63.07

Page 135 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 15

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

KALIMANTAN TENGAH

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

2,267 1,562 1,245 603 654 303 167 113 79 46 20 31 14 24 22 23 14 18 6 7 7,218

2,267 3,829 5,074 5,677 6,331 6,634 6,801 6,914 6,993 7,039 7,059 7,090 7,104 7,128 7,150 7,173 7,187 7,205 7,211 7,218

BAND

CUM.

31.41 31.41 21.64 53.05 17.25 70.30 8.35 78.65 9.06 87.71 4.20 91.91 2.31 94.22 1.57 95.79 1.09 96.88 0.64 97.52 0.28 97.80 0.43 98.23 0.19 98.42 0.33 98.75 0.30 99.06 0.32 99.38 0.19 99.57 0.25 99.82 0.08 99.90 0.10 100.00

PERCENTAGE rp

463.73 533.26 837.77 764.69 1,130.03 723.48 494.20 466.76 444.41 207.58 138.73 247.60 184.85 221.79 392.36 413.51 1,128.77 266.21 143.46 42.41 9,245.61

463.73 997.00 1,834.77 2,599.46 3,729.48 4,452.96 4,947.16 5,413.92 5,858.34 6,065.91 6,204.64 6,452.24 6,637.09 6,858.88 7,251.24 7,664.75 8,793.53 9,059.74 9,203.19 9,245.61

BAND

5.02 5.77 9.06 8.27 12.22 7.83 5.35 5.05 4.81 2.25 1.50 2.68 2.00 2.40 4.24 4.47 12.21 2.88 1.55 0.46

CUM.

5.02 10.78 19.84 28.12 40.34 48.16 53.51 58.56 63.36 65.61 67.11 69.79 71.79 74.19 78.43 82.90 95.11 97.99 99.54 100.00

PERCENTAGE f

1 5 2 2 1 0 0 0 0 3 0 1 1 1 0 3 1 3 0 0 24

1 6 8 10 11 11 11 11 11 14 14 15 16 17 17 20 21 24 24 24

BAND

CUM.

4.17 4.17 20.83 25.00 8.33 33.33 8.33 41.67 4.17 45.83 0.00 45.83 0.00 45.83 0.00 45.83 0.00 45.83 12.50 58.33 0.00 58.33 4.17 62.50 4.17 66.67 4.17 70.83 0.00 70.83 12.50 83.33 4.17 87.50 12.50 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

2.28 232.80 70.89 160.41 292.28 0.00 0.00 0.00 0.00 392.80 0.00 96.16 3.90 14.40 0.00 2.87 11.34 31.81 0.00 0.00 1,311.93

2.28 235.08 305.97 466.38 758.65 758.65 758.65 758.65 758.65 1,151.45 1,151.45 1,247.61 1,251.51 1,265.91 1,265.91 1,268.78 1,280.12 1,311.93 1,311.93 1,311.93

BAND

CUM.

0.17 0.17 17.74 17.92 5.40 23.32 12.23 35.55 22.28 57.83 0.00 57.83 0.00 57.83 0.00 57.83 0.00 57.83 29.94 87.77 0.00 87.77 7.33 95.10 0.30 95.39 1.10 96.49 0.00 96.49 0.22 96.71 0.86 97.58 2.42 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

0.49 43.66 8.46 20.98 25.86 0.00 0.00 0.00 0.00 189.23 0.00 38.84 2.11 6.49 0.00 0.69 1.00 11.95 0.00 0.00

CUM

0.49 23.58 16.68 17.94 20.34 17.04 15.34 14.01 12.95 18.98 18.56 19.34 18.86 18.46 17.46 16.55 14.56 14.48 14.26 14.19

14.19

Page 136 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 16

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

KALIMANTAN SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

3,217 2,904 2,707 1,371 1,276 782 443 314 188 126 80 119 55 85 67 78 47 41 40 22 13,962

3,217 6,121 8,828 10,199 11,475 12,257 12,700 13,014 13,202 13,328 13,408 13,527 13,582 13,667 13,734 13,812 13,859 13,900 13,940 13,962

BAND

CUM.

23.04 23.04 20.80 43.84 19.39 63.23 9.82 73.05 9.14 82.19 5.60 87.79 3.17 90.96 2.25 93.21 1.35 94.56 0.90 95.46 0.57 96.03 0.85 96.88 0.39 97.28 0.61 97.89 0.48 98.37 0.56 98.93 0.34 99.26 0.29 99.56 0.29 99.84 0.16 100.00

PERCENTAGE rp

1,018.21 812.02 1,155.12 902.95 1,498.18 1,560.16 1,173.85 1,028.83 754.73 653.83 368.15 692.56 330.51 708.99 718.82 1,486.81 764.80 717.93 853.14 365.47 17,565.06

1,018.21 1,830.22 2,985.34 3,888.29 5,386.47 6,946.63 8,120.48 9,149.31 9,904.04 10,557.87 10,926.02 11,618.58 11,949.09 12,658.08 13,376.91 14,863.72 15,628.52 16,346.45 17,199.59 17,565.06

BAND

CUM.

5.80 5.80 4.62 10.42 6.58 17.00 5.14 22.14 8.53 30.67 8.88 39.55 6.68 46.23 5.86 52.09 4.30 56.38 3.72 60.11 2.10 62.20 3.94 66.15 1.88 68.03 4.04 72.06 4.09 76.16 8.46 84.62 4.35 88.98 4.09 93.06 4.86 97.92 2.08 100.00

PERCENTAGE f

5 6 3 5 2 2 4 0 1 0 0 0 0 1 0 1 1 1 4 1 37

5 11 14 19 21 23 27 27 28 28 28 28 28 29 29 30 31 32 36 37

BAND

CUM.

13.51 13.51 16.22 29.73 8.11 37.84 13.51 51.35 5.41 56.76 5.41 62.16 10.81 72.97 0.00 72.97 2.70 75.68 0.00 75.68 0.00 75.68 0.00 75.68 0.00 75.68 2.70 78.38 0.00 78.38 2.70 81.08 2.70 83.78 2.70 86.49 10.81 97.30 2.70 100.00

PERCENTAGE rp

60.59 369.97 249.04 459.96 16.42 396.42 1,990.09 0.00 1,190.00 0.00 0.00 0.00 0.00 10.15 0.00 19.74 522.33 120.87 2,633.26 3,573.00 11,611.84

60.59 430.56 679.61 1,139.57 1,155.99 1,552.41 3,542.50 3,542.50 4,732.50 4,732.50 4,732.50 4,732.50 4,732.50 4,742.65 4,742.65 4,762.38 5,284.71 5,405.58 8,038.85 11,611.84

BAND

CUM.

0.52 0.52 3.19 3.71 2.14 5.85 3.96 9.81 0.14 9.96 3.41 13.37 17.14 30.51 0.00 30.51 10.25 40.76 0.00 40.76 0.00 40.76 0.00 40.76 0.00 40.76 0.09 40.84 0.00 40.84 0.17 41.01 4.50 45.51 1.04 46.55 22.68 69.23 30.77 100.00

PERCENTAGE BAND

5.95 45.56 21.56 50.94 1.10 25.41 169.54 0.00 157.67 0.00 0.00 0.00 0.00 1.43 0.00 1.33 68.30 16.84 308.65 977.65

CUM

5.95 23.53 22.76 29.31 21.46 22.35 43.62 38.72 47.78 44.82 43.31 40.73 39.61 37.47 35.45 32.04 33.81 33.07 46.74 66.11

66.11

Page 137 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 17

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

KALIMANTAN TIMUR

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

2,705 3,710 4,606 2,844 3,271 1,619 1,133 722 457 166 173 155 97 134 93 134 94 44 53 59 22,269

2,705 6,415 11,021 13,865 17,136 18,755 19,888 20,610 21,067 21,233 21,406 21,561 21,658 21,792 21,885 22,019 22,113 22,157 22,210 22,269

BAND

CUM.

12.15 12.15 16.66 28.81 20.68 49.49 12.77 62.26 14.69 76.95 7.27 84.22 5.09 89.31 3.24 92.55 2.05 94.60 0.75 95.35 0.78 96.12 0.70 96.82 0.44 97.26 0.60 97.86 0.42 98.28 0.60 98.88 0.42 99.30 0.20 99.50 0.24 99.74 0.26 100.00

PERCENTAGE rp

1,370.84 876.88 2,220.68 2,183.14 5,021.59 3,226.13 3,303.90 2,673.30 2,200.99 830.16 1,017.29 1,177.34 754.65 1,377.55 818.00 1,857.69 2,337.71 1,504.55 6,291.32 2,534.16 43,577.87

1,370.84 2,247.72 4,468.41 6,651.55 11,673.14 14,899.27 18,203.17 20,876.47 23,077.46 23,907.62 24,924.91 26,102.25 26,856.90 28,234.45 29,052.45 30,910.14 33,247.85 34,752.39 41,043.71 43,577.87

BAND

3.15 2.01 5.10 5.01 11.52 7.40 7.58 6.13 5.05 1.91 2.33 2.70 1.73 3.16 1.88 4.26 5.36 3.45 14.44 5.82

PERCENTAGE

CUM.

3.15 5.16 10.25 15.26 26.79 34.19 41.77 47.91 52.96 54.86 57.20 59.90 61.63 64.79 66.67 70.93 76.30 79.75 94.18 100.00

22 4 8 4 8 3 3 1 3 0 0 4 1 1 2 3 3 4 4 3 81

BAND

CUM.

22 27.16 27.16 26 4.94 32.10 34 9.88 41.98 38 4.94 46.91 46 9.88 56.79 49 3.70 60.49 52 3.70 64.20 53 1.23 65.43 56 3.70 69.14 56 0.00 69.14 56 0.00 69.14 60 4.94 74.07 61 1.23 75.31 62 1.23 76.54 64 2.47 79.01 67 3.70 82.72 70 3.70 86.42 74 4.94 91.36 78 4.94 96.30 81 3.70 100.00

PERCENTAGE rp

780.70 780.70 102.83 883.53 760.26 1,643.79 567.20 2,211.00 1,001.36 3,212.36 674.40 3,886.76 1,758.16 5,644.91 20.12 5,665.03 975.88 6,640.92 0.00 6,640.92 0.00 6,640.92 390.04 7,030.96 72.01 7,102.97 14.92 7,117.89 662.36 7,780.25 102.84 7,883.09 1,278.64 9,161.73 1,213.97 10,375.70 1,000.76 11,376.46 351.40 11,727.86 11,727.86

BAND

CUM.

6.66 6.66 0.88 7.53 6.48 14.02 4.84 18.85 8.54 27.39 5.75 33.14 14.99 48.13 0.17 48.30 8.32 56.63 0.00 56.63 0.00 56.63 3.33 59.95 0.61 60.56 0.13 60.69 5.65 66.34 0.88 67.22 10.90 78.12 10.35 88.47 8.53 97.00 3.00 100.00

PERCENTAGE BAND

56.95 11.73 34.24 25.98 19.94 20.90 53.21 0.75 44.34 0.00 0.00 33.13 9.54 1.08 80.97 5.54 54.70 80.69 15.91 13.87

CUM

56.95 39.31 36.79 33.24 27.52 26.09 31.01 27.14 28.78 27.78 26.64 26.94 26.45 25.21 26.78 25.50 27.56 29.86 27.72 26.91

26.91

Page 138 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 18

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

SULAWESI UTARA

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,364 1,615 2,174 1,187 1,308 728 558 491 267 148 82 125 59 108 68 70 30 10 8 3 10,403

1,364 2,979 5,153 6,340 7,648 8,376 8,934 9,425 9,692 9,840 9,922 10,047 10,106 10,214 10,282 10,352 10,382 10,392 10,400 10,403

BAND

CUM.

13.11 13.11 15.52 28.64 20.90 49.53 11.41 60.94 12.57 73.52 7.00 80.52 5.36 85.88 4.72 90.60 2.57 93.17 1.42 94.59 0.79 95.38 1.20 96.58 0.57 97.15 1.04 98.18 0.65 98.84 0.67 99.51 0.29 99.80 0.10 99.89 0.08 99.97 0.03 100.00

PERCENTAGE rp

360.11 380.93 813.87 725.10 1,363.55 1,304.20 1,352.42 1,579.12 1,154.57 707.62 383.99 771.40 523.49 942.40 815.60 804.66 357.72 245.96 74.53 41.16 14,702.39

BAND

360.11 2.45 741.04 2.59 1,554.91 5.54 2,280.01 4.93 3,643.56 9.27 4,947.75 8.87 6,300.17 9.20 7,879.29 10.74 9,033.86 7.85 9,741.47 4.81 10,125.46 2.61 10,896.87 5.25 11,420.35 3.56 12,362.75 6.41 13,178.36 5.55 13,983.02 5.47 14,340.74 2.43 14,586.70 1.67 14,661.23 0.51 14,702.39 0.28

CUM.

2.45 5.04 10.58 15.51 24.78 33.65 42.85 53.59 61.44 66.26 68.87 74.12 77.68 84.09 89.63 95.11 97.54 99.21 99.72 100.00

PERCENTAGE f

2 0 2 5 3 1 0 1 0 1 1 0 0 0 0 2 0 1 0 1 20

BAND

CUM.

2 2 4 9 12 13 13 14 14 15 16 16 16 16 16 18 18 19 19 20

10.00 10.00 0.00 10.00 10.00 20.00 25.00 45.00 15.00 60.00 5.00 65.00 0.00 65.00 5.00 70.00 0.00 70.00 5.00 75.00 5.00 80.00 0.00 80.00 0.00 80.00 0.00 80.00 0.00 80.00 10.00 90.00 0.00 90.00 5.00 95.00 0.00 95.00 5.00 100.00

PERCENTAGE rp

13.92 0.00 7,285.84 351.25 1,050.26 20.05 0.00 18.16 0.00 1,611.43 39.20 0.00 0.00 0.00 0.00 217.98 0.00 195.75 0.00 50.00 10,853.83

BAND

CUM.

13.92 0.13 0.13 13.92 0.00 0.13 7,299.76 67.13 67.26 7,651.01 3.24 70.49 8,701.27 9.68 80.17 8,721.32 0.18 80.35 8,721.32 0.00 80.35 8,739.48 0.17 80.52 8,739.48 0.00 80.52 10,350.91 14.85 95.37 10,390.11 0.36 95.73 10,390.11 0.00 95.73 10,390.11 0.00 95.73 10,390.11 0.00 95.73 10,390.11 0.00 95.73 10,608.08 2.01 97.74 10,608.08 0.00 97.74 10,803.83 1.80 99.54 10,803.83 0.00 99.54 10,853.83 0.46 100.00

PERCENTAGE BAND

3.87 0.00 895.21 48.44 77.02 1.54 0.00 1.15 0.00 227.73 10.21 0.00 0.00 0.00 0.00 27.09 0.00 79.59 0.00 121.48

CUM

3.87 1.88 469.47 335.57 238.81 176.27 138.43 110.92 96.74 106.26 102.61 95.35 90.98 84.04 78.84 75.86 73.97 74.07 73.69 73.82

73.82

Page 139 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 19

DATA POSITION FROM : TO PROCESSING

01/01/2007

15/06/2009

DATE :

15/09/2009

SULAWESI TENGAH

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,178 1,308 1,309 699 740 413 259 272 124 71 52 49 36 39 16 29 20 6 5 3 6,628

1,178 2,486 3,795 4,494 5,234 5,647 5,906 6,178 6,302 6,373 6,425 6,474 6,510 6,549 6,565 6,594 6,614 6,620 6,625 6,628

BAND

CUM.

17.77 17.77 19.73 37.51 19.75 57.26 10.55 67.80 11.16 78.97 6.23 85.20 3.91 89.11 4.10 93.21 1.87 95.08 1.07 96.15 0.78 96.94 0.74 97.68 0.54 98.22 0.59 98.81 0.24 99.05 0.44 99.49 0.30 99.79 0.09 99.88 0.08 99.95 0.05 100.00

PERCENTAGE rp

181.07 345.73 687.96 710.63 1,215.30 1,003.40 1,001.56 1,220.15 686.09 469.12 330.91 491.28 251.96 376.25 353.73 579.95 249.34 24.19 50.33 28.48 10,257.43

181.07 526.81 1,214.76 1,925.40 3,140.69 4,144.09 5,145.65 6,365.80 7,051.89 7,521.00 7,851.92 8,343.20 8,595.16 8,971.41 9,325.14 9,905.09 10,154.43 10,178.62 10,228.95 10,257.43

BAND

1.77 3.37 6.71 6.93 11.85 9.78 9.76 11.90 6.69 4.57 3.23 4.79 2.46 3.67 3.45 5.65 2.43 0.24 0.49 0.28

CUM.

1.77 5.14 11.84 18.77 30.62 40.40 50.17 62.06 68.75 73.32 76.55 81.34 83.79 87.46 90.91 96.57 99.00 99.23 99.72 100.00

PERCENTAGE f

0 1 0 0 0 0 0 0 1 0 0 0 0 0 0 1 0 0 0 0 3

BAND

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

0.00 33.33 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 33.33 0.00 0.00 0.00 0.00

CUM.

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

PERCENTAGE rp

0.00 27.08 0.00 0.00 0.00 0.00 0.00 0.00 106.00 0.00 0.00 0.00 0.00 0.00 0.00 305.78 0.00 0.00 0.00 0.00 438.85

0.00 27.08 27.08 27.08 27.08 27.08 27.08 27.08 133.08 133.08 133.08 133.08 133.08 133.08 133.08 438.85 438.85 438.85 438.85 438.85

BAND

0.00 6.17 0.00 0.00 0.00 0.00 0.00 0.00 24.15 0.00 0.00 0.00 0.00 0.00 0.00 69.68 0.00 0.00 0.00 0.00

CUM.

0.00 6.17 6.17 6.17 6.17 6.17 6.17 6.17 30.32 30.32 30.32 30.32 30.32 30.32 30.32 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 7.83 0.00 0.00 0.00 0.00 0.00 0.00 15.45 0.00 0.00 0.00 0.00 0.00 0.00 52.72 0.00 0.00 0.00 0.00

CUM

0.00 5.14 2.23 1.41 0.86 0.65 0.53 0.43 1.89 1.77 1.69 1.60 1.55 1.48 1.43 4.43 4.32 4.31 4.29 4.28

4.28

Page 140 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

SULAWESI SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

5,185 6,145 5,795 3,248 2,936 1,329 873 699 380 207 161 190 137 130 107 137 117 31 29 17 27,853

5,185 11,330 17,125 20,373 23,309 24,638 25,511 26,210 26,590 26,797 26,958 27,148 27,285 27,415 27,522 27,659 27,776 27,807 27,836 27,853

BAND

CUM.

18.62 18.62 22.06 40.68 20.81 61.48 11.66 73.14 10.54 83.69 4.77 88.46 3.13 91.59 2.51 94.10 1.36 95.47 0.74 96.21 0.58 96.79 0.68 97.47 0.49 97.96 0.47 98.43 0.38 98.81 0.49 99.30 0.42 99.72 0.11 99.83 0.10 99.94 0.06 100.00

PERCENTAGE rp

1,056.29 1,588.00 2,780.68 2,983.07 4,218.31 2,861.96 2,390.79 2,373.52 1,674.49 894.76 912.83 1,376.32 947.32 1,186.83 1,156.08 1,848.83 2,500.90 789.72 620.24 7,283.26 41,444.21

1,056.29 2,644.29 5,424.97 8,408.04 12,626.35 15,488.31 17,879.11 20,252.63 21,927.12 22,821.88 23,734.71 25,111.03 26,058.35 27,245.18 28,401.27 30,250.09 32,750.99 33,540.71 34,160.95 41,444.21

BAND

2.55 3.83 6.71 7.20 10.18 6.91 5.77 5.73 4.04 2.16 2.20 3.32 2.29 2.86 2.79 4.46 6.03 1.91 1.50 17.57

CUM.

2.55 6.38 13.09 20.29 30.47 37.37 43.14 48.87 52.91 55.07 57.27 60.59 62.88 65.74 68.53 72.99 79.02 80.93 82.43 100.00

PERCENTAGE f

3 1 1 5 6 0 2 4 2 2 0 0 0 2 1 2 1 3 1 2 38

3 4 5 10 16 16 18 22 24 26 26 26 26 28 29 31 32 35 36 38

BAND

CUM.

7.89 7.89 2.63 10.53 2.63 13.16 13.16 26.32 15.79 42.11 0.00 42.11 5.26 47.37 10.53 57.89 5.26 63.16 5.26 68.42 0.00 68.42 0.00 68.42 0.00 68.42 5.26 73.68 2.63 76.32 5.26 81.58 2.63 84.21 7.89 92.11 2.63 94.74 5.26 100.00

PERCENTAGE rp

115.71 100.00 5.59 322.41 256.26 0.00 1,892.40 2,295.64 79.71 51.27 0.00 0.00 0.00 83.79 242.36 1,203.33 60.50 259.56 220.08 502.19 7,690.79

115.71 215.71 221.30 543.71 799.97 799.97 2,692.37 4,988.01 5,067.72 5,118.99 5,118.99 5,118.99 5,118.99 5,202.78 5,445.14 6,648.47 6,708.97 6,968.52 7,188.60 7,690.79

BAND

1.50 1.30 0.07 4.19 3.33 0.00 24.61 29.85 1.04 0.67 0.00 0.00 0.00 1.09 3.15 15.65 0.79 3.37 2.86 6.53

CUM.

1.50 2.80 2.88 7.07 10.40 10.40 35.01 64.86 65.89 66.56 66.56 66.56 66.56 67.65 70.80 86.45 87.23 90.61 93.47 100.0

PERCENTAGE BAND

CUM

10.95 6.30 0.20 10.81 6.07 0.00 79.15 96.72 4.76 5.73 0.00 0.00 0.00 7.06 20.96 65.09 2.42 32.87 35.48 6.90

10.95 8.16 4.08 6.47 6.34 5.17 15.06 24.63 23.11 22.43 21.57 20.39 19.64 19.10 19.17 21.98 20.48 20.78 21.04 18.56

18.56

Page 141 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 21

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

SULAWESI TENGGARA

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

611 806 861 526 543 266 160 120 41 31 13 26 15 11 9 8 8 1 3 3 4,062

611 1,417 2,278 2,804 3,347 3,613 3,773 3,893 3,934 3,965 3,978 4,004 4,019 4,030 4,039 4,047 4,055 4,056 4,059 4,062

BAND

CUM.

15.04 15.04 19.84 34.88 21.20 56.08 12.95 69.03 13.37 82.40 6.55 88.95 3.94 92.89 2.95 95.84 1.01 96.85 0.76 97.61 0.32 97.93 0.64 98.57 0.37 98.94 0.27 99.21 0.22 99.43 0.20 99.63 0.20 99.83 0.02 99.85 0.07 99.93 0.07 100.00

PERCENTAGE rp

107.35 156.96 412.89 533.10 875.52 683.91 505.21 562.47 190.70 176.08 54.78 168.30 82.96 86.71 10.92 76.16 167.34 0.31 24.14 68.87 4,944.67

107.35 264.31 677.20 1,210.31 2,085.82 2,769.73 3,274.94 3,837.41 4,028.12 4,204.19 4,258.97 4,427.27 4,510.22 4,596.93 4,607.85 4,684.01 4,851.35 4,851.66 4,875.80 4,944.67

BAND

2.17 3.17 8.35 10.78 17.71 13.83 10.22 11.38 3.86 3.56 1.11 3.40 1.68 1.75 0.22 1.54 3.38 0.01 0.49 1.39

CUM.

2.17 5.35 13.70 24.48 42.18 56.01 66.23 77.61 81.46 85.02 86.13 89.54 91.21 92.97 93.19 94.73 98.11 98.12 98.61 100.00

PERCENTAGE f

2 1 0 1 0 0 1 0 0 0 0 0 0 1 0 0 0 0 0 1 7

BAND

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

CUM.

28.57 28.57 14.29 42.86 0.00 42.86 14.29 57.14 0.00 57.14 0.00 57.14 14.29 71.43 0.00 71.43 0.00 71.43 0.00 71.43 0.00 71.43 0.00 71.43 0.00 71.43 14.29 85.71 0.00 85.71 0.00 85.71 0.00 85.71 0.00 85.71 0.00 85.71 14.29 100.00

PERCENTAGE rp

10.47 68.10 0.00 14.90 0.00 0.00 26.67 0.00 0.00 0.00 0.00 0.00 0.00 2,982.75 0.00 0.00 0.00 0.00 0.00 600.00 3,702.89

10.47 78.57 78.57 93.47 93.47 93.47 120.14 120.14 120.14 120.14 120.14 120.14 120.14 3,102.89 3,102.89 3,102.89 3,102.89 3,102.89 3,102.89 3,702.89

BAND

0.28 1.84 0.00 0.40 0.00 0.00 0.72 0.00 0.00 0.00 0.00 0.00 0.00 80.55 0.00 0.00 0.00 0.00 0.00 16.20

CUM.

PERCENTAGE BAND

0.28 9.76 2.12 43.39 2.12 0.00 2.52 2.79 2.52 0.00 2.52 0.00 3.24 5.28 3.24 0.00 3.24 0.00 3.24 0.00 3.24 0.00 3.24 0.00 3.24 0.00 83.80 3440.05 83.80 0.00 83.80 0.00 83.80 0.00 83.80 0.00 83.80 0.00 100.00 871.26

CUM

9.76 29.73 11.60 7.72 4.48 3.37 3.67 3.13 2.98 2.86 2.82 2.71 2.66 67.50 67.34 66.24 63.96 63.96 63.64 74.89

74.89

Page 142 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 22

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

BALI

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

3,113 2,833 3,017 1,997 2,296 1,433 1,207 1,062 655 375 290 318 175 249 134 176 144 42 45 11 19,572

3,113 5,946 8,963 10,960 13,256 14,689 15,896 16,958 17,613 17,988 18,278 18,596 18,771 19,020 19,154 19,330 19,474 19,516 19,561 19,572

BAND

CUM.

15.91 15.91 14.47 30.38 15.41 45.80 10.20 56.00 11.73 67.73 7.32 75.05 6.17 81.22 5.43 86.64 3.35 89.99 1.92 91.91 1.48 93.39 1.62 95.01 0.89 95.91 1.27 97.18 0.68 97.86 0.90 98.76 0.74 99.50 0.21 99.71 0.23 99.94 0.06 100.00

PERCENTAGE rp

1,328.52 528.28 1,121.34 1,180.33 2,220.46 1,948.13 2,169.11 2,652.24 1,875.04 1,437.85 1,137.42 1,991.14 1,087.73 1,990.73 1,302.86 2,165.83 2,328.00 663.37 715.06 3,582.64 33,426.08

1,328.52 1,856.79 2,978.14 4,158.47 6,378.92 8,327.05 10,496.17 13,148.41 15,023.44 16,461.29 17,598.71 19,589.85 20,677.58 22,668.31 23,971.17 26,137.00 28,465.00 29,128.38 29,843.44 33,426.08

BAND

CUM.

3.97 3.97 1.58 5.55 3.35 8.91 3.53 12.44 6.64 19.08 5.83 24.91 6.49 31.40 7.93 39.34 5.61 44.95 4.30 49.25 3.40 52.65 5.96 58.61 3.25 61.86 5.96 67.82 3.90 71.71 6.48 78.19 6.96 85.16 1.98 87.14 2.14 89.28 10.72 100.00

PERCENTAGE f

13 5 1 2 3 8 1 8 9 6 1 9 4 8 3 9 16 9 5 13 133

13 18 19 21 24 32 33 41 50 56 57 66 70 78 81 90 106 115 120 133

BAND

CUM.

9.77 9.77 3.76 13.53 0.75 14.29 1.50 15.79 2.26 18.05 6.02 24.06 0.75 24.81 6.02 30.83 6.77 37.59 4.51 42.11 0.75 42.86 6.77 49.62 3.01 52.63 6.02 58.65 2.26 60.90 6.77 67.67 12.03 79.70 6.77 86.47 3.76 90.23 9.77 100.00

PERCENTAGE rp

2,795.21 108.03 1.12 132.51 509.50 265.31 205.06 319.81 2,813.34 245.99 10.13 486.81 79.28 889.72 84.25 41.05 397.14 1,510.44 1,162.28 1,766.12 13,823.08

2,795.21 2,903.23 2,904.35 3,036.86 3,546.36 3,811.67 4,016.73 4,336.54 7,149.87 7,395.86 7,405.99 7,892.80 7,972.08 8,861.80 8,946.05 8,987.10 9,384.24 10,894.68 12,056.96 13,823.08

BAND

CUM.

20.22 20.22 0.78 21.00 0.01 21.01 0.96 21.97 3.69 25.66 1.92 27.57 1.48 29.06 2.31 31.37 20.35 51.72 1.78 53.50 0.07 53.58 3.52 57.10 0.57 57.67 6.44 64.11 0.61 64.72 0.30 65.02 2.87 67.89 10.93 78.82 8.41 87.22 12.78 100.00

PERCENTAGE BAND

CUM

210.40 20.45 0.10 11.23 22.95 13.62 9.45 12.06 150.04 17.11 0.89 24.45 7.29 44.69 6.47 1.90 17.06 227.69 162.54 49.30

210.40 156.36 97.52 73.03 55.59 45.77 38.27 32.98 47.59 44.93 42.08 40.29 38.55 39.09 37.32 34.38 32.97 37.40 40.40 41.35

41.35

Page 143 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 23

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

NUSA TEGGARA BARAT

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,258 1,478 1,474 657 576 351 180 164 97 37 33 43 23 24 13 17 18 4 6 1 6,454

1,258 2,736 4,210 4,867 5,443 5,794 5,974 6,138 6,235 6,272 6,305 6,348 6,371 6,395 6,408 6,425 6,443 6,447 6,453 6,454

BAND

CUM.

19.49 19.49 22.90 42.39 22.84 65.23 10.18 75.41 8.92 84.34 5.44 89.77 2.79 92.56 2.54 95.10 1.50 96.61 0.57 97.18 0.51 97.69 0.67 98.36 0.36 98.71 0.37 99.09 0.20 99.29 0.26 99.55 0.28 99.83 0.06 99.89 0.09 99.98 0.02 100.00

PERCENTAGE rp

597.07 317.51 711.95 543.64 802.90 712.44 488.04 505.71 327.95 191.54 185.52 223.48 136.26 623.22 67.64 176.62 291.63 16.12 2,186.39 0.00 9,105.64

597.07 914.58 1,626.52 2,170.16 2,973.07 3,685.51 4,173.55 4,679.27 5,007.22 5,198.75 5,384.27 5,607.75 5,744.01 6,367.23 6,434.87 6,611.50 6,903.12 6,919.24 9,105.64 9,105.64

BAND

6.56 3.49 7.82 5.97 8.82 7.82 5.36 5.55 3.60 2.10 2.04 2.45 1.50 6.84 0.74 1.94 3.20 0.18 24.01 0.00

PERCENTAGE

CUM.

6.56 10.04 17.86 23.83 32.65 40.48 45.83 51.39 54.99 57.09 59.13 61.59 63.08 69.93 70.67 72.61 75.81 75.99 100.00 100.00

3 3 2 0 1 4 1 0 0 0 0 0 0 49 0 1 5 0 0 0 69

BAND

CUM.

3 4.35 4.35 6 4.35 8.70 8 2.90 11.59 8 0.00 11.59 9 1.45 13.04 13 5.80 18.84 14 1.45 20.29 14 0.00 20.29 14 0.00 20.29 14 0.00 20.29 14 0.00 20.29 14 0.00 20.29 14 0.00 20.29 63 71.01 91.30 63 0.00 91.30 64 1.45 92.75 69 7.25 100.00 69 0.00 100.00 69 0.00 100.00 69 0.00 100.00

PERCENTAGE rp

23.49 66.25 242.89 0.00 15.75 1,089.17 40.86 0.00 0.00 0.00 0.00 0.00 0.00 144.35 0.00 8.81 207.94 0.00 0.00 0.00 1,839.52

23.49 89.74 332.63 332.63 348.38 1,437.56 1,478.42 1,478.42 1,478.42 1,478.42 1,478.42 1,478.42 1,478.42 1,622.77 1,622.77 1,631.57 1,839.52 1,839.52 1,839.52 1,839.52

BAND

1.28 3.60 13.20 0.00 0.86 59.21 2.22 0.00 0.00 0.00 0.00 0.00 0.00 7.85 0.00 0.48 11.30 0.00 0.00 0.00

PERCENTAGE

CUM.

BAND

1.28 4.88 18.08 18.08 18.94 78.15 80.37 80.37 80.37 80.37 80.37 80.37 80.37 88.22 88.22 88.70 100.00 100.00 100.00 100.00

3.93 20.87 34.12 0.00 1.96 152.88 8.37 0.00 0.00 0.00 0.00 0.00 0.00 23.16 0.00 4.99 71.30 0.00 0.00 0.00

CUM

3.93 9.81 20.45 15.33 11.72 39.01 35.42 31.60 29.53 28.44 27.46 26.36 25.74 25.49 25.22 24.68 26.65 26.59 20.20 20.20

20.20

Page 144 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 24

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

NUSA TEGGARA TIMUR

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

599 865 991 516 533 338 192 172 76 45 36 34 9 16 14 4 5 1 0 0 4,446

599 1,464 2,455 2,971 3,504 3,842 4,034 4,206 4,282 4,327 4,363 4,397 4,406 4,422 4,436 4,440 4,445 4,446 4,446 4,446

BAND

CUM.

13.47 13.47 19.46 32.93 22.29 55.22 11.61 66.82 11.99 78.81 7.60 86.41 4.32 90.73 3.87 94.60 1.71 96.31 1.01 97.32 0.81 98.13 0.76 98.90 0.20 99.10 0.36 99.46 0.31 99.78 0.09 99.87 0.11 99.98 0.02 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

101.95 231.02 645.52 479.57 914.87 858.51 662.63 670.97 426.21 246.63 228.50 257.77 111.59 82.20 80.39 42.21 113.29 16.00 0.00 0.00 6,169.83

101.95 332.97 978.49 1,458.07 2,372.94 3,231.45 3,894.08 4,565.04 4,991.25 5,237.88 5,466.39 5,724.15 5,835.74 5,917.94 5,998.34 6,040.54 6,153.83 6,169.83 6,169.83 6,169.83

BAND

1.65 3.74 10.46 7.77 14.83 13.91 10.74 10.87 6.91 4.00 3.70 4.18 1.81 1.33 1.30 0.68 1.84 0.26 0.00 0.00

CUM.

1.65 5.40 15.86 23.63 38.46 52.37 63.11 73.99 80.90 84.90 88.60 92.78 94.59 95.92 97.22 97.90 99.74 100.00 100.00 100.00

PERCENTAGE f

0 0 1 1 1 3 0 0 1 0 0 0 0 0 0 0 0 0 0 0 7

BAND

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

0.00 0.00 14.29 14.29 14.29 42.86 0.00 0.00 14.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

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

PERCENTAGE rp

0.00 0.00 68.75 97.03 76.54 734.90 0.00 0.00 1,207.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,184.22

0.00 0.00 68.75 165.78 242.32 977.22 977.22 977.22 2,184.22 2,184.22 2,184.22 2,184.22 2,184.22 2,184.22 2,184.22 2,184.22 2,184.22 2,184.22 2,184.22 2,184.22

BAND

0.00 0.00 3.15 4.44 3.50 33.65 0.00 0.00 55.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE

CUM.

BAND

0.00 0.00 3.15 7.59 11.09 44.74 44.74 44.74 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

0.00 0.00 10.65 20.23 8.37 85.60 0.00 0.00 283.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

0.00 0.00 7.03 11.37 10.21 30.24 25.10 21.41 43.76 41.70 39.96 38.16 37.43 36.91 36.41 36.16 35.49 35.40 35.40 35.40

35.40

Page 145 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 25

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

MALUKU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

163 241 292 183 175 102 90 69 37 17 17 20 9 10 5 11 8 1 0 0 1,450

163 404 696 879 1,054 1,156 1,246 1,315 1,352 1,369 1,386 1,406 1,415 1,425 1,430 1,441 1,449 1,450 1,450 1,450

BAND

CUM.

11.24 11.24 16.62 27.86 20.14 48.00 12.62 60.62 12.07 72.69 7.03 79.72 6.21 85.93 4.76 90.69 2.55 93.24 1.17 94.41 1.17 95.59 1.38 96.97 0.62 97.59 0.69 98.28 0.34 98.62 0.76 99.38 0.55 99.93 0.07 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

37.79 61.35 190.90 188.89 317.52 250.65 346.79 406.86 177.28 104.63 171.97 190.08 68.08 120.27 24.15 234.57 177.91 1.68 0.00 0.00 3,071.36

37.79 99.14 290.04 478.93 796.46 1,047.10 1,393.89 1,800.75 1,978.03 2,082.66 2,254.63 2,444.70 2,512.78 2,633.06 2,657.21 2,891.78 3,069.69 3,071.36 3,071.36 3,071.36

BAND

1.23 2.00 6.22 6.15 10.34 8.16 11.29 13.25 5.77 3.41 5.60 6.19 2.22 3.92 0.79 7.64 5.79 0.05 0.00 0.00

CUM.

1.23 3.23 9.44 15.59 25.93 34.09 45.38 58.63 64.40 67.81 73.41 79.60 81.81 85.73 86.52 94.15 99.95 100.00 100.00 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1

BAND

0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 1 100.00 1 0.00 1 0.00 1 0.00

CUM.

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

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 60.83 0.00 0.00 0.00 60.83

BAND

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 60.83 100.00 100.00 60.83 0.00 100.00 60.83 0.00 100.00 60.83 0.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 34.19 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.98 1.98 1.98 1.98

1.98

Page 146 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 26

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

IRIAN JAYA

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

301 434 720 528 567 397 250 192 135 62 54 54 49 49 32 13 12 10 1 0 3,860

301 735 1,455 1,983 2,550 2,947 3,197 3,389 3,524 3,586 3,640 3,694 3,743 3,792 3,824 3,837 3,849 3,859 3,860 3,860

BAND

CUM.

7.80 7.80 11.24 19.04 18.65 37.69 13.68 51.37 14.69 66.06 10.28 76.35 6.48 82.82 4.97 87.80 3.50 91.30 1.61 92.90 1.40 94.30 1.40 95.70 1.27 96.97 1.27 98.24 0.83 99.07 0.34 99.40 0.31 99.72 0.26 99.97 0.03 100.00 0.00 100.00

PERCENTAGE rp

103.00 130.33 364.30 516.33 922.43 1,057.19 891.91 1,034.11 766.11 447.51 437.68 438.55 505.05 505.08 408.70 86.29 216.63 234.30 4.89 0.00 9,070.39

103.00 233.33 597.63 1,113.96 2,036.39 3,093.58 3,985.49 5,019.60 5,785.71 6,233.22 6,670.90 7,109.45 7,614.51 8,119.59 8,528.29 8,614.58 8,831.20 9,065.50 9,070.39 9,070.39

BAND

1.14 1.44 4.02 5.69 10.17 11.66 9.83 11.40 8.45 4.93 4.83 4.83 5.57 5.57 4.51 0.95 2.39 2.58 0.05 0.00

CUM.

1.14 2.57 6.59 12.28 22.45 34.11 43.94 55.34 63.79 68.72 73.55 78.38 83.95 89.52 94.02 94.97 97.36 99.95 100.00 100.00

PERCENTAGE f

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

BAND

2 3 4 4 4 5 6 7 7 7 7 7 7 7 7 8 8 8 8 8

25.00 12.50 12.50 0.00 0.00 12.50 12.50 12.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.50 0.00 0.00 0.00 0.00

CUM.

PERCENTAGE rp

25.00 75.00 37.50 58.00 50.00 161.00 50.00 0.00 50.00 0.00 62.50 612.82 75.00 49.20 87.50 1,363.39 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 87.50 0.00 100.00 29.22 100.00 0.00 100.00 0.00 100.00 0.00 100.00 0.00 2,348.63

75.00 133.00 294.00 294.00 294.00 906.82 956.02 2,319.41 2,319.41 2,319.41 2,319.41 2,319.41 2,319.41 2,319.41 2,319.41 2,348.63 2,348.63 2,348.63 2,348.63 2,348.63

BAND

3.19 2.47 6.86 0.00 0.00 26.09 2.09 58.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.24 0.00 0.00 0.00 0.00

PERCENTAGE

CUM.

BAND

3.19 5.66 12.52 12.52 12.52 38.61 40.71 98.76 98.76 98.76 98.76 98.76 98.76 98.76 98.76 100.0 100.0 100.0 100.0 100.0

72.81 44.50 44.19 0.00 0.00 57.97 5.52 131.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33.86 0.00 0.00 0.00 0.00

CUM

72.81 57.00 49.19 26.39 14.44 29.31 23.99 46.21 40.09 37.21 34.77 32.62 30.46 28.57 27.20 27.26 26.59 25.91 25.89 25.89

25.89

Page 147 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

MALUKU UTARA

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

84 147 166 81 104 85 67 76 49 21 11 18 8 8 7 1 1 1 2 0 937

BAND

84 231 397 478 582 667 734 810 859 880 891 909 917 925 932 933 934 935 937 937

CUM.

8.96 8.96 15.69 24.65 17.72 42.37 8.64 51.01 11.10 62.11 9.07 71.18 7.15 78.34 8.11 86.45 5.23 91.68 2.24 93.92 1.17 95.09 1.92 97.01 0.85 97.87 0.85 98.72 0.75 99.47 0.11 99.57 0.11 99.68 0.11 99.79 0.21 100.00 0.00 100.00

PERCENTAGE rp

88.37 44.02 89.87 90.57 180.95 199.55 232.77 393.26 356.74 168.37 85.98 182.13 117.40 139.96 71.99 1.73 25.00 36.46 87.02 0.00 2,592.13

88.37 132.39 222.26 312.83 493.78 693.33 926.10 1,319.36 1,676.10 1,844.47 1,930.45 2,112.58 2,229.98 2,369.94 2,441.93 2,443.65 2,468.65 2,505.11 2,592.13 2,592.13

BAND

3.41 1.70 3.47 3.49 6.98 7.70 8.98 15.17 13.76 6.50 3.32 7.03 4.53 5.40 2.78 0.07 0.96 1.41 3.36 0.00

CUM.

3.41 5.11 8.57 12.07 19.05 26.75 35.73 50.90 64.66 71.16 74.47 81.50 86.03 91.43 94.21 94.27 95.24 96.64 100.00 100.00

PERCENTAGE f

1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1

BAND

1 100.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00

CUM.

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

PERCENTAGE rp

510.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 510.55

BAND

CUM.

510.55 100.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00 510.55 0.00 100.00

PERCENTAGE BAND

CUM

577.75 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

577.75 385.64 229.71 163.20 103.40 73.64 55.13 38.70 30.46 27.68 26.45 24.17 22.89 21.54 20.91 20.89 20.68 20.38 19.70 19.70

19.70

Page 148 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 28

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

IRIAN JAYA BARAT

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

316 408 464 207 224 137 91 66 50 16 21 21 9 20 9 8 15 1 2 1 2,086

316 724 1,188 1,395 1,619 1,756 1,847 1,913 1,963 1,979 2,000 2,021 2,030 2,050 2,059 2,067 2,082 2,083 2,085 2,086

BAND

CUM.

15.15 15.15 19.56 34.71 22.24 56.95 9.92 66.87 10.74 77.61 6.57 84.18 4.36 88.54 3.16 91.71 2.40 94.10 0.77 94.87 1.01 95.88 1.01 96.88 0.43 97.32 0.96 98.27 0.43 98.71 0.38 99.09 0.72 99.81 0.05 99.86 0.10 99.95 0.05 100.00

PERCENTAGE rp

18.63 66.86 156.13 150.92 372.59 358.92 317.59 285.18 269.33 83.09 144.44 164.15 101.39 258.01 134.66 159.30 179.58 16.00 48.57 19.89 3,305.22

18.63 85.49 241.62 392.54 765.13 1,124.04 1,441.63 1,726.81 1,996.14 2,079.23 2,223.67 2,387.82 2,489.22 2,747.23 2,881.89 3,041.19 3,220.77 3,236.77 3,285.34 3,305.22

BAND

0.56 2.02 4.72 4.57 11.27 10.86 9.61 8.63 8.15 2.51 4.37 4.97 3.07 7.81 4.07 4.82 5.43 0.48 1.47 0.60

CUM.

0.56 2.59 7.31 11.88 23.15 34.01 43.62 52.24 60.39 62.91 67.28 72.24 75.31 83.12 87.19 92.01 97.44 97.93 99.40 100.00

PERCENTAGE f

0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 6 0 0 0 7

0 0 0 0 0 0 0 1 1 1 1 1 1 1 1 1 7 7 7 7

BAND

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 85.71 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.29 14.29 14.29 14.29 14.29 14.29 14.29 14.29 14.29 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 18.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,114.12 0.00 0.00 0.00 3,132.86

0.00 0.00 0.00 0.00 0.00 0.00 0.00 18.74 18.74 18.74 18.74 18.74 18.74 18.74 18.74 18.74 3,132.86 3,132.86 3,132.86 3,132.86

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 99.40 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1734.10 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.09 0.94 0.90 0.84 0.78 0.75 0.68 0.65 0.62 97.27 96.79 95.36 94.79

94.79

Page 149 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 29

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

BANTEN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

7,756 8,567 10,423 6,575 6,451 2,981 1,806 1,478 955 549 487 604 485 707 433 707 676 311 389 124 52,464

7,756 16,323 26,746 33,321 39,772 42,753 44,559 46,037 46,992 47,541 48,028 48,632 49,117 49,824 50,257 50,964 51,640 51,951 52,340 52,464

BAND

CUM.

14.78 14.78 16.33 31.11 19.87 50.98 12.53 63.51 12.30 75.81 5.68 81.49 3.44 84.93 2.82 87.75 1.82 89.57 1.05 90.62 0.93 91.54 1.15 92.70 0.92 93.62 1.35 94.97 0.83 95.79 1.35 97.14 1.29 98.43 0.59 99.02 0.74 99.76 0.24 100.00

PERCENTAGE rp

4,619.94 1,767.27 3,630.85 3,771.29 5,233.53 3,695.26 5,786.83 3,835.56 3,191.88 2,281.68 2,045.23 3,331.53 3,193.06 5,298.76 4,213.17 9,363.96 12,101.79 5,234.20 9,776.74 5,653.98 98,026.50

4,619.94 6,387.21 10,018.06 13,789.35 19,022.88 22,718.13 28,504.96 32,340.52 35,532.40 37,814.09 39,859.31 43,190.84 46,383.90 51,682.66 55,895.82 65,259.78 77,361.57 82,595.77 92,372.51 98,026.50

BAND

4.71 1.80 3.70 3.85 5.34 3.77 5.90 3.91 3.26 2.33 2.09 3.40 3.26 5.41 4.30 9.55 12.35 5.34 9.97 5.77

PERCENTAGE

CUM.

4.71 6.52 10.22 14.07 19.41 23.18 29.08 32.99 36.25 38.58 40.66 44.06 47.32 52.72 57.02 66.57 78.92 84.26 94.23 100.00

41 12 23 42 35 27 12 19 15 6 20 23 18 21 22 26 44 83 47 37

41 53 76 118 153 180 192 211 226 232 252 275 293 314 336 362 406 489 536 573

573

BAND

7.16 2.09 4.01 7.33 6.11 4.71 2.09 3.32 2.62 1.05 3.49 4.01 3.14 3.66 3.84 4.54 7.68 14.49 8.20 6.46

CUM.

7.16 9.25 13.26 20.59 26.70 31.41 33.51 36.82 39.44 40.49 43.98 47.99 51.13 54.80 58.64 63.18 70.86 85.34 93.54 100.00

PERCENTAGE rp

21,784.57 173.44 845.79 1,396.62 1,339.10 2,516.71 2,437.72 4,083.20 1,053.28 3,042.27 7,893.08 5,273.51 5,734.37 1,227.53 5,795.84 32,242.07 16,029.95 10,356.31 63,358.36 269,181.80 455,765.50

21,784.57 21,958.01 22,803.80 24,200.42 25,539.52 28,056.22 30,493.94 34,577.14 35,630.41 38,672.68 46,565.76 51,839.27 57,573.64 58,801.17 64,597.01 96,839.09 112,869.03 123,225.34 186,583.70 455,765.50

BAND

CUM.

4.78 4.78 0.04 4.82 0.19 5.00 0.31 5.31 0.29 5.60 0.55 6.16 0.53 6.69 0.90 7.59 0.23 7.82 0.67 8.49 1.73 10.22 1.16 11.37 1.26 12.63 0.27 12.90 1.27 14.17 7.07 21.25 3.52 24.76 2.27 27.04 13.90 40.94 59.06 100.00

PERCENTAGE BAND

471.53 9.81 23.29 37.03 25.59 68.11 42.13 106.46 33.00 133.33 385.93 158.29 179.59 23.17 137.57 344.32 132.46 197.86 648.05 4760.92

CUM

471.53 343.78 227.63 175.50 134.26 123.50 106.98 106.92 100.28 102.27 116.83 120.02 124.12 113.77 115.57 148.39 145.90 149.19 201.99 464.94

464.94

Page 150 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 30

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

BANGKA BELITUNG

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

423 336 456 295 342 197 116 95 56 25 17 26 18 19 17 6 6 16 9 1 2,476

423 759 1,215 1,510 1,852 2,049 2,165 2,260 2,316 2,341 2,358 2,384 2,402 2,421 2,438 2,444 2,450 2,466 2,475 2,476

BAND

CUM.

17.08 17.08 13.57 30.65 18.42 49.07 11.91 60.99 13.81 74.80 7.96 82.75 4.68 87.44 3.84 91.28 2.26 93.54 1.01 94.55 0.69 95.23 1.05 96.28 0.73 97.01 0.77 97.78 0.69 98.47 0.24 98.71 0.24 98.95 0.65 99.60 0.36 99.96 0.04 100.00

PERCENTAGE rp

152.31 91.07 205.75 264.13 443.78 349.55 248.67 303.05 214.78 91.89 104.03 150.26 89.18 179.13 80.92 79.56 196.58 476.11 84.50 0.22 3,805.45

152.31 243.37 449.12 713.26 1,157.04 1,506.59 1,755.26 2,058.31 2,273.08 2,364.98 2,469.00 2,619.26 2,708.44 2,887.57 2,968.49 3,048.05 3,244.63 3,720.73 3,805.23 3,805.45

BAND

4.00 2.39 5.41 6.94 11.66 9.19 6.53 7.96 5.64 2.41 2.73 3.95 2.34 4.71 2.13 2.09 5.17 12.51 2.22 0.01

CUM.

4.00 6.40 11.80 18.74 30.40 39.59 46.12 54.09 59.73 62.15 64.88 68.83 71.17 75.88 78.01 80.10 85.26 97.77 99.99 100.00

PERCENTAGE f

3 0 1 0 2 0 0 0 1 0 0 0 1 0 0 0 0 0 3 0 11

3 3 4 4 6 6 6 6 7 7 7 7 8 8 8 8 8 8 11 11

BAND

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

CUM.

27.27 27.27 36.36 36.36 54.55 54.55 54.55 54.55 63.64 63.64 63.64 63.64 72.73 72.73 72.73 72.73 72.73 72.73 100.00 100.00

PERCENTAGE rp

25.11 0.00 139.55 0.00 6.67 0.00 0.00 0.00 1,947.84 0.00 0.00 0.00 258.99 0.00 0.00 0.00 0.00 0.00 240.61 0.00 2,618.77

25.11 25.11 164.65 164.65 171.33 171.33 171.33 171.33 2,119.17 2,119.17 2,119.17 2,119.17 2,378.16 2,378.16 2,378.16 2,378.16 2,378.16 2,378.16 2,618.77 2,618.77

BAND

CUM.

0.96 0.96 0.00 0.96 5.33 6.29 0.00 6.29 0.25 6.54 0.00 6.54 0.00 6.54 0.00 6.54 74.38 80.92 0.00 80.92 0.00 80.92 0.00 80.92 9.89 90.81 0.00 90.81 0.00 90.81 0.00 90.81 0.00 90.81 0.00 90.81 9.19 100.00 0.00 100.00

PERCENTAGE BAND

16.48 0.00 67.82 0.00 1.50 0.00 0.00 0.00 906.92 0.00 0.00 0.00 290.40 0.00 0.00 0.00 0.00 0.00 284.76 0.00

CUM

16.48 10.32 36.66 23.08 14.81 11.37 9.76 8.32 93.23 89.61 85.83 80.91 87.81 82.36 80.11 78.02 73.30 63.92 68.82 68.82

68.82

Page 151 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 31

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

GORONTALO

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

360 502 492 222 235 143 89 90 48 30 17 30 19 4 6 9 8 1 1 1 2,307

360 862 1,354 1,576 1,811 1,954 2,043 2,133 2,181 2,211 2,228 2,258 2,277 2,281 2,287 2,296 2,304 2,305 2,306 2,307

BAND

CUM.

15.60 15.60 21.76 37.36 21.33 58.69 9.62 68.31 10.19 78.50 6.20 84.70 3.86 88.56 3.90 92.46 2.08 94.54 1.30 95.84 0.74 96.58 1.30 97.88 0.82 98.70 0.17 98.87 0.26 99.13 0.39 99.52 0.35 99.87 0.04 99.91 0.04 99.96 0.04 100.00

PERCENTAGE rp

32.53 87.03 195.57 139.81 243.09 245.31 230.38 292.27 202.31 182.75 90.19 182.55 165.42 22.73 36.74 138.28 337.14 22.39 10.97 23.93 2,881.37

32.53 119.57 315.13 454.94 698.03 943.34 1,173.72 1,465.99 1,668.29 1,851.04 1,941.23 2,123.78 2,289.20 2,311.93 2,348.68 2,486.95 2,824.09 2,846.48 2,857.45 2,881.37

BAND

1.13 3.02 6.79 4.85 8.44 8.51 8.00 10.14 7.02 6.34 3.13 6.34 5.74 0.79 1.28 4.80 11.70 0.78 0.38 0.83

CUM.

1.13 4.15 10.94 15.79 24.23 32.74 40.73 50.88 57.90 64.24 67.37 73.71 79.45 80.24 81.51 86.31 98.01 98.79 99.17 100.00

PERCENTAGE f

0 0 1 3 1 1 0 0 2 0 0 0 0 0 0 0 5 0 0 0 13

0 0 1 4 5 6 6 6 8 8 8 8 8 8 8 8 13 13 13 13

BAND

0.00 0.00 7.69 23.08 7.69 7.69 0.00 0.00 15.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 38.46 0.00 0.00 0.00

CUM.

0.00 0.00 7.69 30.77 38.46 46.15 46.15 46.15 61.54 61.54 61.54 61.54 61.54 61.54 61.54 61.54 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 0.00 5.00 11.45 296.72 1.00 0.00 0.00 1,166.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 40.89 0.00 0.00 0.00 1,521.61

0.00 0.00 5.00 16.45 313.17 314.17 314.17 314.17 1,480.72 1,480.72 1,480.72 1,480.72 1,480.72 1,480.72 1,480.72 1,480.72 1,521.61 1,521.61 1,521.61 1,521.61

BAND

0.00 0.00 0.33 0.75 19.50 0.07 0.00 0.00 76.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.69 0.00 0.00 0.00

CUM.

0.00 0.00 0.33 1.08 20.58 20.65 20.65 20.65 97.31 97.31 97.31 97.31 97.31 97.31 97.31 97.31 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 0.00 2.56 8.19 122.06 0.41 0.00 0.00 576.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.13 0.00 0.00 0.00

CUM

0.00 0.00 1.59 3.62 44.86 33.30 26.77 21.43 88.76 79.99 76.28 69.72 64.68 64.05 63.04 59.54 53.88 53.46 53.25 52.81

52.81

Page 152 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 32

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

KEPULAUAN RIAU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

2,266 2,562 3,212 2,113 2,143 894 538 393 216 127 86 128 70 136 63 116 97 53 67 34 15,314

2,266 4,828 8,040 10,153 12,296 13,190 13,728 14,121 14,337 14,464 14,550 14,678 14,748 14,884 14,947 15,063 15,160 15,213 15,280 15,314

BAND

CUM.

14.80 14.80 16.73 31.53 20.97 52.50 13.80 66.30 13.99 80.29 5.84 86.13 3.51 89.64 2.57 92.21 1.41 93.62 0.83 94.45 0.56 95.01 0.84 95.85 0.46 96.30 0.89 97.19 0.41 97.60 0.76 98.36 0.63 98.99 0.35 99.34 0.44 99.78 0.22 100.00

PERCENTAGE rp

1,040.53 476.55 1,264.53 1,493.57 2,689.62 1,616.27 1,372.38 1,477.61 905.90 626.72 421.36 829.85 629.04 1,146.11 571.81 1,640.62 1,960.42 1,446.16 2,080.05 10,836.69 34,525.80

1,040.53 1,517.07 2,781.61 4,275.18 6,964.80 8,581.07 9,953.45 11,431.06 12,336.97 12,963.69 13,385.05 14,214.90 14,843.94 15,990.05 16,561.86 18,202.49 20,162.90 21,609.07 23,689.11 34,525.80

BAND

3.01 1.38 3.66 4.33 7.79 4.68 3.97 4.28 2.62 1.82 1.22 2.40 1.82 3.32 1.66 4.75 5.68 4.19 6.02 31.39

CUM.

3.01 4.39 8.06 12.38 20.17 24.85 28.83 33.11 35.73 37.55 38.77 41.17 42.99 46.31 47.97 52.72 58.40 62.59 68.61 100.00

PERCENTAGE f

4 4 7 4 4 1 4 1 0 0 0 1 0 2 2 4 4 9 3 4 58

4 8 15 19 23 24 28 29 29 29 29 30 30 32 34 38 42 51 54 58

BAND

6.90 6.90 12.07 6.90 6.90 1.72 6.90 1.72 0.00 0.00 0.00 1.72 0.00 3.45 3.45 6.90 6.90 15.52 5.17 6.90

CUM.

6.90 13.79 25.86 32.76 39.66 41.38 48.28 50.00 50.00 50.00 50.00 51.72 51.72 55.17 58.62 65.52 72.41 87.93 93.10 100.00

PERCENTAGE rp

269.96 233.08 439.36 470.05 818.60 367.96 2,111.48 154.95 0.00 0.00 0.00 135.22 0.00 48.19 507.16 1,572.34 174.81 3,884.78 536.87 351.34 12,076.15

269.96 503.03 942.40 1,412.44 2,231.05 2,599.01 4,710.48 4,865.43 4,865.43 4,865.43 4,865.43 5,000.65 5,000.65 5,048.85 5,556.01 7,128.35 7,303.16 11,187.94 11,724.81 12,076.15

BAND

CUM.

2.24 2.24 1.93 4.17 3.64 7.80 3.89 11.70 6.78 18.47 3.05 21.52 17.48 39.01 1.28 40.29 0.00 40.29 0.00 40.29 0.00 40.29 1.12 41.41 0.00 41.41 0.40 41.81 4.20 46.01 13.02 59.03 1.45 60.48 32.17 92.64 4.45 97.09 2.91 100.00

PERCENTAGE BAND

25.94 48.91 34.75 31.47 30.44 22.77 153.85 10.49 0.00 0.00 0.00 16.29 0.00 4.21 88.69 95.84 8.92 268.63 25.81 3.24

CUM

25.94 33.16 33.88 33.04 32.03 30.29 47.33 42.56 39.44 37.53 36.35 35.18 33.69 31.57 33.55 39.16 36.22 51.77 49.49 34.98

34.98

Page 153 of 204

RISK AND LOSS PROFILE 2008

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

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

SUM INSURED BAND

PROCESSING

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

01/01/2008

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

DATA POSITION FROM

PERCENTAGE f

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

155,748 149,013 187,849 119,037 131,898 70,988 49,290 39,403 22,424 12,613 9,885 11,645 7,785 10,372 6,338 10,854 9,266 4,513 5,841 2,271

155,748 304,761 492,610 611,647 743,545 814,533 863,823 903,226 925,650 938,263 948,148 959,793 967,578 977,950 984,288 995,142 1,004,408 1,008,921 1,014,762 1,017,033

BAND

CUM.

15.31 15.31 14.65 29.97 18.47 48.44 11.70 60.14 12.97 73.11 6.98 80.09 4.85 84.94 3.87 88.81 2.20 91.01 1.24 92.25 0.97 93.23 1.14 94.37 0.77 95.14 1.02 96.16 0.62 96.78 1.07 97.85 0.91 98.76 0.44 99.20 0.57 99.78 0.22 100.00

1,017,033

PERCENTAGE rp

95,504.44 37,364.53 74,107.66 72,866.17 126,471.82 92,857.42 90,873.35 96,451.51 71,139.37 46,900.02 44,592.78 60,406.04 48,529.81 77,403.32 57,982.32 134,378.53 148,917.56 82,752.71 106,109.14 250,353.70

BAND

CUM.

95,504.44 5.26 5.26 132,868.97 2.06 7.32 206,976.64 4.08 11.40 279,842.80 4.01 15.41 406,314.62 6.96 22.37 499,172.04 5.11 27.49 590,045.39 5.00 32.49 686,496.90 5.31 37.80 757,636.26 3.92 41.72 804,536.28 2.58 44.30 849,129.05 2.46 46.76 909,535.09 3.33 50.09 958,064.90 2.67 52.76 1,035,468.22 4.26 57.02 1,093,450.53 3.19 60.21 1,227,829.06 7.40 67.61 1,376,746.61 8.20 75.81 1,459,499.32 4.56 80.37 1,565,608.46 5.84 86.21 1,815,962.16 13.79 100.00

1,815,962.16

PERCENTAGE f

244 81 139 83 140 93 80 89 79 49 44 60 65 63 53 220 173 114 211 186 2,266

BAND

244 10.77 325 3.57 464 6.13 547 3.66 687 6.18 780 4.10 860 3.53 949 3.93 1,028 3.49 1,077 2.16 1,121 1.94 1,181 2.65 1,246 2.87 1,309 2.78 1,362 2.34 1,582 9.71 1,755 7.63 1,869 5.03 2,080 9.31 2,266 8.21

CUM.

10.77 14.34 20.48 24.14 30.32 34.42 37.95 41.88 45.37 47.53 49.47 52.12 54.99 57.77 60.11 69.81 77.45 82.48 91.79 100.00

PERCENTAGE rp

40,065.90 3,145.44 11,468.05 6,123.06 13,599.67 8,107.03 9,740.76 15,187.72 7,920.49 7,740.56 8,679.80 22,927.09 23,211.63 25,314.97 6,385.84 99,959.02 191,812.75 98,398.11 51,618.04 274,595.11 926,001.04

40,065.90 43,211.34 54,679.40 60,802.46 74,402.12 82,509.15 92,249.92 107,437.64 115,358.13 123,098.69 131,778.49 154,705.58 177,917.21 203,232.17 209,618.01 309,577.03 501,389.78 599,787.89 651,405.93 926,001.04

BAND

CUM.

4.33 4.33 0.34 4.67 1.24 5.90 0.66 6.57 1.47 8.03 0.88 8.91 1.05 9.96 1.64 11.60 0.86 12.46 0.84 13.29 0.94 14.23 2.48 16.71 2.51 19.21 2.73 21.95 0.69 22.64 10.79 33.43 20.71 54.15 10.63 64.77 5.57 70.35 29.65 100.00

PERCENTAGE BAND

CUM

41.95 8.42 15.47 8.40 10.75 8.73 10.72 15.75 11.13 16.50 19.46 37.95 47.83 32.71 11.01 74.39 128.80 118.91 48.65 109.68

41.95 32.52 26.42 21.73 18.31 16.53 15.63 15.65 15.23 15.30 15.52 17.01 18.57 19.63 19.17 25.21 36.42 41.10 41.61 50.99

50.99

Catatan / Note : Data belum termasuk Klaim Fire yang tidak ada Polisnya Rp. 153.738.00,- Freq. Klaim 2 ( Data not Include Claim Fire no Policy Rp. 153.738,00,- Freq Claim 2)

Page 154 of 204

RISK AND LOSS PROFILE 2008 GROUP BY CLASS OF BUSINESS

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

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

:FIRE

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2008

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

128,388 140,013 174,132 107,225 114,614 55,757 37,101 27,420 14,553 7,791 5,705 6,372 3,944 4,811 2,750 4,019 3,161 1,299 2,009 782 841,846

128,388 268,401 442,533 549,758 664,372 720,129 757,230 784,650 799,203 806,994 812,699 819,071 823,015 827,826 830,576 834,595 837,756 839,055 841,064 841,846

BAND

CUM.

15.25 15.25 16.63 31.88 20.68 52.57 12.74 65.30 13.61 78.92 6.62 85.54 4.41 89.95 3.26 93.21 1.73 94.93 0.93 95.86 0.68 96.54 0.76 97.29 0.47 97.76 0.57 98.33 0.33 98.66 0.48 99.14 0.38 99.51 0.15 99.67 0.24 99.91 0.09 100.00

PERCENTAGE rp

47,557.10 32,843.02 70,345.23 67,880.20 115,147.68 80,586.11 75,686.61 75,895.05 53,274.66 33,591.76 30,366.18 39,110.33 29,679.05 43,716.44 30,457.47 58,131.49 55,035.99 25,985.07 20,668.56 14,032.50 999,990.51

47,557.10 80,400.12 150,745.35 218,625.55 333,773.23 414,359.35 490,045.96 565,941.01 619,215.67 652,807.43 683,173.61 722,283.93 751,962.98 795,679.42 826,136.90 884,268.39 939,304.38 965,289.45 985,958.01 999,990.51

BAND

4.76 3.28 7.03 6.79 11.51 8.06 7.57 7.59 5.33 3.36 3.04 3.91 2.97 4.37 3.05 5.81 5.50 2.60 2.07 1.40

CUM.

4.76 8.04 15.07 21.86 33.38 41.44 49.01 56.59 61.92 65.28 68.32 72.23 75.20 79.57 82.61 88.43 93.93 96.53 98.60 100.00

PERCENTAGE f

113 58 87 53 78 57 40 37 39 19 18 18 11 25 21 117 69 16 48 11 935

113 171 258 311 389 446 486 523 562 581 599 617 628 653 674 791 860 876 924 935

BAND

CUM.

12.09 12.09 6.20 18.29 9.30 27.59 5.67 33.26 8.34 41.60 6.10 47.70 4.28 51.98 3.96 55.94 4.17 60.11 2.03 62.14 1.93 64.06 1.93 65.99 1.18 67.17 2.67 69.84 2.25 72.09 12.51 84.60 7.38 91.98 1.71 93.69 5.13 98.82 1.18 100.00

PERCENTAGE rp

20,108.64 2,593.60 10,274.58 5,430.77 10,098.79 6,777.49 7,122.66 10,371.29 3,585.71 3,335.28 2,040.05 17,724.05 15,114.88 14,851.76 3,472.65 71,411.96 118,759.31 67,807.25 24,983.11 65,329.27 481,193.08

20,108.64 22,702.24 32,976.82 38,407.59 48,506.37 55,283.86 62,406.52 72,777.81 76,363.51 79,698.79 81,738.84 99,462.89 114,577.77 129,429.52 132,902.17 204,314.13 323,073.44 390,880.69 415,863.80 481,193.08

BAND

4.18 0.54 2.14 1.13 2.10 1.41 1.48 2.16 0.75 0.69 0.42 3.68 3.14 3.09 0.72 14.84 24.68 14.09 5.19 13.58

PERCENTAGE

CUM.

BAND

4.18 4.72 6.85 7.98 10.08 11.49 12.97 15.12 15.87 16.56 16.99 20.67 23.81 26.90 27.62 42.46 67.14 81.23 86.42 100.00

42.28 7.90 14.61 8.00 8.77 8.41 9.41 13.67 6.73 9.93 6.72 45.32 50.93 33.97 11.40 122.85 215.78 260.95 120.87 465.56

CUM

42.28 28.24 21.88 17.57 14.53 13.34 12.73 12.86 12.33 12.21 11.96 13.77 15.24 16.27 16.09 23.11 34.39 40.49 42.18 48.12

48.12

Page 155 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

:I.A.R

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2008

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

17,874 5,607 8,457 7,815 11,977 11,372 8,927 8,491 5,416 3,310 2,812 3,453 2,480 3,559 2,224 4,122 3,606 1,859 2,090 786 116,237

17,874 23,481 31,938 39,753 51,730 63,102 72,029 80,520 85,936 89,246 92,058 95,511 97,991 101,550 103,774 107,896 111,502 113,361 115,451 116,237

BAND

CUM.

15.38 15.38 4.82 20.20 7.28 27.48 6.72 34.20 10.30 44.50 9.78 54.29 7.68 61.97 7.30 69.27 4.66 73.93 2.85 76.78 2.42 79.20 2.97 82.17 2.13 84.30 3.06 87.36 1.91 89.28 3.55 92.82 3.10 95.93 1.60 97.53 1.80 99.32 0.68 100.00

PERCENTAGE rp

30,768.41 1,707.09 2,550.00 3,535.04 8,477.35 8,791.06 11,650.71 15,051.65 13,018.65 9,561.97 10,332.68 15,300.67 13,758.85 23,404.57 18,608.71 49,392.61 58,815.40 30,336.73 40,834.95 136,241.73 502,138.83

30,768.41 32,475.50 35,025.50 38,560.54 47,037.88 55,828.95 67,479.66 82,531.31 95,549.96 105,111.93 115,444.61 130,745.28 144,504.13 167,908.70 186,517.41 235,910.02 294,725.42 325,062.15 365,897.10 502,138.83

BAND

6.13 0.34 0.51 0.70 1.69 1.75 2.32 3.00 2.59 1.90 2.06 3.05 2.74 4.66 3.71 9.84 11.71 6.04 8.13 27.13

PERCENTAGE

CUM.

6.13 6.47 6.98 7.68 9.37 11.12 13.44 16.44 19.03 20.93 22.99 26.04 28.78 33.44 37.14 46.98 58.69 64.74 72.87 100.00

131 23 52 30 62 36 40 51 40 29 26 42 54 38 32 103 104 97 163 175

131 154 206 236 298 334 374 425 465 494 520 562 616 654 686 789 893 990 1,153 1,328

1,328

BAND

CUM.

9.86 9.86 1.73 11.60 3.92 15.51 2.26 17.77 4.67 22.44 2.71 25.15 3.01 28.16 3.84 32.00 3.01 35.02 2.18 37.20 1.96 39.16 3.16 42.32 4.07 46.39 2.86 49.25 2.41 51.66 7.76 59.41 7.83 67.24 7.30 74.55 12.27 86.82 13.18 100.00

PERCENTAGE rp

19,957.26 551.84 1,193.48 692.29 3,500.88 1,329.54 2,618.11 4,815.26 4,334.78 4,393.26 6,639.76 5,203.03 8,096.75 10,463.21 2,913.19 28,547.06 73,053.44 30,239.02 26,634.93 209,265.84 444,442.93

19,957.26 20,509.10 21,702.58 22,394.87 25,895.75 27,225.29 29,843.40 34,658.66 38,993.44 43,386.70 50,026.46 55,229.49 63,326.24 73,789.45 76,702.64 105,249.70 178,303.14 208,542.16 235,177.10 444,442.93

BAND

4.49 0.12 0.27 0.16 0.79 0.30 0.59 1.08 0.98 0.99 1.49 1.17 1.82 2.35 0.66 6.42 16.44 6.80 5.99 47.08

PERCENTAGE

CUM.

BAND

4.49 4.61 4.88 5.04 5.83 6.13 6.71 7.80 8.77 9.76 11.26 12.43 14.25 16.60 17.26 23.68 40.12 46.92 52.92 100.00

64.86 32.33 46.80 19.58 41.30 15.12 22.47 31.99 33.30 45.95 64.26 34.01 58.85 44.71 15.65 57.80 124.21 99.68 65.23 153.60

CUM

64.86 63.15 61.96 58.08 55.05 48.77 44.23 41.99 40.81 41.28 43.33 42.24 43.82 43.95 41.12 44.61 60.50 64.15 64.27 88.51

88.51

Page 156 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

:L.O.P

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2008

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

7 19 6 6 4 6 8 10 13 16 6 3 18 12 5 27 45 49 38 7 305

7 26 32 38 42 48 56 66 79 95 101 104 122 134 139 166 211 260 298 305

BAND

CUM.

2.30 2.30 6.23 8.52 1.97 10.49 1.97 12.46 1.31 13.77 1.97 15.74 2.62 18.36 3.28 21.64 4.26 25.90 5.25 31.15 1.97 33.11 0.98 34.10 5.90 40.00 3.93 43.93 1.64 45.57 8.85 54.43 14.75 69.18 16.07 85.25 12.46 97.70 2.30 100.00

PERCENTAGE rp

0.21 1.74 0.31 1.46 1.64 1.24 7.57 33.84 13.13 26.94 12.28 5.25 47.16 26.98 24.03 158.78 287.41 125.91 170.86 67.73 1,014.49

0.21 1.96 2.27 3.73 5.37 6.61 14.18 48.02 61.15 88.09 100.37 105.62 152.78 179.77 203.79 362.57 649.98 775.89 946.75 1,014.49

BAND

0.02 0.17 0.03 0.14 0.16 0.12 0.75 3.34 1.29 2.66 1.21 0.52 4.65 2.66 2.37 15.65 28.33 12.41 16.84 6.68

CUM.

0.02 0.19 0.22 0.37 0.53 0.65 1.40 4.73 6.03 8.68 9.89 10.41 15.06 17.72 20.09 35.74 64.07 76.48 93.32 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 1

BAND

CUM.

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 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

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.03

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.03 12.03 12.03 12.03 12.03 12.03 12.03 12.03 12.03 12.03 12.03

BAND

CUM.

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

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

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 44.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.65 11.98 11.39 7.87 6.69 5.90 3.32 1.85 1.55 1.27 1.19

1.19

Page 157 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: Earthquake

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

SUM INSURED BAND

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES

CLAIM FREQUENCY

01/01/2008

15/06/2009

DATE

15/09/2009

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

ORIGINAL PREMIUM (In Million Rp)

PERCENTAGE f

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

9,479 3,374 5,254 3,991 5,303 3,853 3,254 3,482 2,442 1,496 1,362 1,817 1,343 1,990 1,359 2,686 2,454 1,306 1,704 696 58,645

9,479 12,853 18,107 22,098 27,401 31,254 34,508 37,990 40,432 41,928 43,290 45,107 46,450 48,440 49,799 52,485 54,939 56,245 57,949 58,645

BAND

CUM.

16.16 16.16 5.75 21.92 8.96 30.88 6.81 37.68 9.04 46.72 6.57 53.29 5.55 58.84 5.94 64.78 4.16 68.94 2.55 71.49 2.32 73.82 3.10 76.92 2.29 79.21 3.39 82.60 2.32 84.92 4.58 89.50 4.18 93.68 2.23 95.91 2.91 98.81 1.19 100.00

PERCENTAGE rp

17,178.72 2,812.68 1,212.12 1,449.46 2,845.16 3,479.00 3,528.46 5,470.97 4,832.93 3,719.35 3,881.63 5,989.78 5,044.76 10,255.32 8,892.11 26,695.65 34,778.75 26,305.00 44,434.77 100,011.74 312,818.34

17,178.72 19,991.39 21,203.51 22,652.98 25,498.13 28,977.13 32,505.59 37,976.55 42,809.48 46,528.83 50,410.47 56,400.25 61,445.01 71,700.33 80,592.43 107,288.08 142,066.83 168,371.83 212,806.60 312,818.34

BAND

5.49 0.90 0.39 0.46 0.91 1.11 1.13 1.75 1.54 1.19 1.24 1.91 1.61 3.28 2.84 8.53 11.12 8.41 14.20 31.97

CUM.

5.49 6.39 6.78 7.24 8.15 9.26 10.39 12.14 13.69 14.87 16.11 18.03 19.64 22.92 25.76 34.30 45.42 53.82 68.03 100.00

PERCENTAGE f

0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 1 0 0 2

BAND

0 0 0 0 0 0 0 1 1 1 1 1 1 1 1 1 1 2 2 2

CUM.

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 50.00 1.17 0.00 50.00 0.00 0.00 50.00 0.00 0.00 50.00 0.00 0.00 50.00 0.00 0.00 50.00 0.00 0.00 50.00 0.00 0.00 50.00 0.00 0.00 50.00 0.00 0.00 50.00 0.00 50.00 100.00 351.83 0.00 100.00 0.00 0.00 100.00 0.00 353.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.17 1.17 1.17 1.17 1.17 1.17 1.17 1.17 1.17 1.17 353.0 353.0 353.0

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 99.67 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 100.00 100.00 100.00

PERCENTAGE BAND

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.34 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.21 0.17 0.11

0.11

Page 158 of 204

RISK AND LOSS PROFILE 2008 GROUP BY OCCUPATION CODE

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

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

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

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

197 56 37 34 64 32 31 59 40 48 23 44 39 44 47 81 95 73 86 90 1,22

197 253 290 324 388 420 451 510 550 598 621 665 704 748 795 876 971 1,04 1,13 1,22

BAND

CUM.

16.15 16.15 4.59 20.74 3.03 23.77 2.79 26.56 5.25 31.80 2.62 34.43 2.54 36.97 4.84 41.80 3.28 45.08 3.93 49.02 1.89 50.90 3.61 54.51 3.20 57.70 3.61 61.31 3.85 65.16 6.64 71.80 7.79 79.59 5.98 85.57 7.05 92.62 7.38 100.00

PERCENTAGE rp

1,106.82 36.56 8.66 17.47 47.29 29.27 59.44 157.85 105.38 160.49 117.73 118.67 286.06 315.07 481.30 1,147.26 1,584.06 1,078.29 991.30 31,188.99 39,037.98

1,106.82 1,143.37 1,152.04 1,169.50 1,216.79 1,246.06 1,305.50 1,463.35 1,568.73 1,729.22 1,846.95 1,965.62 2,251.69 2,566.76 3,048.06 4,195.33 5,779.39 6,857.68 7,848.99 39,037.98

BAND

2.84 0.09 0.02 0.04 0.12 0.07 0.15 0.40 0.27 0.41 0.30 0.30 0.73 0.81 1.23 2.94 4.06 2.76 2.54 79.89

CUM.

2.84 2.93 2.95 3.00 3.12 3.19 3.34 3.75 4.02 4.43 4.73 5.04 5.77 6.58 7.81 10.75 14.80 17.57 20.11 100.00

PERCENTAGE f

8 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 1 1 3 14

8 28.57 8 0.00 8 0.00 8 0.00 8 0.00 8 0.00 8 0.00 8 0.00 8 0.00 8 0.00 9 3.57 9 0.00 9 0.00 9 0.00 9 0.00 9 0.00 10 3.57 11 3.57 14 10.71 28 50.00

BAND

CUM.

PERCENTAGE rp

28.57 2,042.21 2,042.21 28.57 0.00 2,042.21 28.57 0.00 2,042.21 28.57 0.00 2,042.21 28.57 0.00 2,042.21 28.57 0.00 2,042.21 28.57 0.00 2,042.21 28.57 0.00 2,042.21 28.57 0.00 2,042.21 28.57 0.00 2,042.21 32.14 63.08 2,105.30 32.14 0.00 2,105.30 32.14 0.00 2,105.30 32.14 0.00 2,105.30 32.14 0.00 2,105.30 32.14 0.00 2,105.30 35.71 2,108.02 4,213.32 39.29 5.57 4,218.89 50.00 176.23 4,395.12 100.00 61,976.22 66,371.34 66,371.34

BAND

CUM.

3.08 3.08 0.00 3.08 0.00 3.08 0.00 3.08 0.00 3.08 0.00 3.08 0.00 3.08 0.00 3.08 0.00 3.08 0.00 3.08 0.10 3.17 0.00 3.17 0.00 3.17 0.00 3.17 0.00 3.17 0.00 3.17 3.18 6.35 0.01 6.36 0.27 6.62 93.38 100.00

PERCENTAGE BAND

CUM

184.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 53.58 0.00 0.00 0.00 0.00 0.00 133.08 0.52 17.78 198.71

184.51 178.61 177.27 174.62 167.84 163.89 156.43 139.56 130.18 118.10 113.99 107.11 93.50 82.02 69.07 50.18 72.90 61.52 56.00 170.02

170.02

Page 159 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2009

DATE

15/09/2009

Stone,Earth,(Animal) Bons or Shells

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

295 103 115 78 120 101 72 114 89 55 45 68 47 97 50 130 175 80 138 59 2,031

295 398 513 591 711 812 884 998 1,087 1,142 1,187 1,255 1,302 1,399 1,449 1,579 1,754 1,834 1,972 2,031

BAND

CUM.

14.52 14.52 5.07 19.60 5.66 25.26 3.84 29.10 5.91 35.01 4.97 39.98 3.55 43.53 5.61 49.14 4.38 53.52 2.71 56.23 2.22 58.44 3.35 61.79 2.31 64.11 4.78 68.88 2.46 71.34 6.40 77.74 8.62 86.36 3.94 90.30 6.79 97.10 2.90 100.00

PERCENTAGE rp

533.87 25.07 53.93 58.77 96.62 114.17 95.26 209.84 241.52 176.06 170.72 282.05 293.21 535.24 498.03 1,248.40 1,644.71 1,350.24 1,413.85 2,747.71 11,789.27

533.87 558.94 612.87 671.64 768.26 882.43 977.69 1,187.53 1,429.05 1,605.11 1,775.83 2,057.88 2,351.09 2,886.33 3,384.36 4,632.76 6,277.48 7,627.71 9,041.56 11,789.27

BAND

4.53 0.21 0.46 0.50 0.82 0.97 0.81 1.78 2.05 1.49 1.45 2.39 2.49 4.54 4.22 10.59 13.95 11.45 11.99 23.31

CUM.

4.53 4.74 5.20 5.70 6.52 7.49 8.29 10.07 12.12 13.62 15.06 17.46 19.94 24.48 28.71 39.30 53.25 64.70 76.69 100.00

PERCENTAGE f

1 0 0 0 0 0 1 0 0 0 0 0 1 0 1 2 3 2 4 3 18

BAND

1 1 1 1 1 1 2 2 2 2 2 2 3 3 4 6 9 11 15 18

CUM.

5.56 5.56 0.00 5.56 0.00 5.56 0.00 5.56 0.00 5.56 0.00 5.56 5.56 11.11 0.00 11.11 0.00 11.11 0.00 11.11 0.00 11.11 0.00 11.11 5.56 16.67 0.00 16.67 5.56 22.22 11.11 33.33 16.67 50.00 11.11 61.11 22.22 83.33 16.67 100.00

PERCENTAGE rp

4.88 0.00 0.00 0.00 0.00 0.00 4.98 0.00 0.00 0.00 0.00 0.00 32.65 0.00 108.76 1,735.21 1,791.66 488.95 270.25 1,562.92 6,000.26

4.88 4.88 4.88 4.88 4.88 4.88 9.86 9.86 9.86 9.86 9.86 9.86 42.51 42.51 151.27 1,886.48 3,678.14 4,167.09 4,437.34 6,000.26

BAND

0.08 0.00 0.00 0.00 0.00 0.00 0.08 0.00 0.00 0.00 0.00 0.00 0.54 0.00 1.81 28.92 29.86 8.15 4.50 26.05

PERCENTAGE

CUM.

BAND

0.08 0.08 0.08 0.08 0.08 0.08 0.16 0.16 0.16 0.16 0.16 0.16 0.71 0.71 2.52 31.44 61.30 69.45 73.95 100.00

0.91 0.00 0.00 0.00 0.00 0.00 5.23 0.00 0.00 0.00 0.00 0.00 11.13 0.00 21.84 138.99 108.93 36.21 19.11 56.88

CUM

0.91 0.87 0.80 0.73 0.64 0.55 1.01 0.83 0.69 0.61 0.56 0.48 1.81 1.47 4.47 40.72 58.59 54.63 49.08 50.90

50.90

Page 160 of 180

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2009

DATE

15/09/2009

Metals

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

891 252 395 322 537 388 392 495 368 278 259 355 292 482 280 649 672 374 563 359 8,603

891 1,143 1,538 1,860 2,397 2,785 3,177 3,672 4,040 4,318 4,577 4,932 5,224 5,706 5,986 6,635 7,307 7,681 8,244 8,603

BAND

CUM.

10.36 10.36 2.93 13.29 4.59 17.88 3.74 21.62 6.24 27.86 4.51 32.37 4.56 36.93 5.75 42.68 4.28 46.96 3.23 50.19 3.01 53.20 4.13 57.33 3.39 60.72 5.60 66.33 3.25 69.58 7.54 77.12 7.81 84.94 4.35 89.28 6.54 95.83 4.17 100.00

PERCENTAGE rp

3,205.18 125.11 144.51 164.91 441.43 471.62 563.80 903.84 875.47 740.06 820.26 1,495.62 1,360.54 3,210.83 2,138.00 7,765.32 14,695.62 5,206.18 9,901.65 2,584.54 56,814.50

3,205.18 3,330.29 3,474.80 3,639.71 4,081.13 4,552.76 5,116.56 6,020.41 6,895.88 7,635.94 8,456.20 9,951.82 11,312.36 14,523.19 16,661.19 24,426.51 39,122.14 44,328.31 54,229.96 56,814.50

BAND

5.64 0.22 0.25 0.29 0.78 0.83 0.99 1.59 1.54 1.30 1.44 2.63 2.39 5.65 3.76 13.67 25.87 9.16 17.43 4.55

CUM.

5.64 5.86 6.12 6.41 7.18 8.01 9.01 10.60 12.14 13.44 14.88 17.52 19.91 25.56 29.33 42.99 68.86 78.02 95.45 100.00

PERCENTAGE f

17 0 1 2 1 0 0 0 1 1 0 1 1 2 3 8 13 8 12 13 84

17 17 18 20 21 21 21 21 22 23 23 24 25 27 30 38 51 59 71 84

BAND

CUM.

20.24 20.24 0.00 20.24 1.19 21.43 2.38 23.81 1.19 25.00 0.00 25.00 0.00 25.00 0.00 25.00 1.19 26.19 1.19 27.38 0.00 27.38 1.19 28.57 1.19 29.76 2.38 32.14 3.57 35.71 9.52 45.24 15.48 60.71 9.52 70.24 14.29 84.52 15.48 100.00

PERCENTAGE rp

720.51 0.00 100.00 41.47 12.93 0.00 0.00 0.00 6.73 0.00 0.00 2,375.00 49.96 6,877.14 89.42 5,357.39 11,343.40 2,582.19 2,055.79 3,007.23 34,619.16

720.51 720.51 820.51 861.99 874.91 874.91 874.91 874.91 881.64 881.64 881.64 3,256.64 3,306.60 10,183.74 10,273.16 15,630.55 26,973.95 29,556.14 31,611.94 34,619.16

BAND

2.08 0.00 0.29 0.12 0.04 0.00 0.00 0.00 0.02 0.00 0.00 6.86 0.14 19.87 0.26 15.48 32.77 7.46 5.94 8.69

PERCENTAGE

CUM.

BAND

2.08 2.08 2.37 2.49 2.53 2.53 2.53 2.53 2.55 2.55 2.55 9.41 9.55 29.42 29.67 45.15 77.92 85.38 91.31 100.00

22.48 0.00 69.20 25.15 2.93 0.00 0.00 0.00 0.77 0.00 0.00 158.80 3.67 214.19 4.18 68.99 77.19 49.60 20.76 116.35

CUM

22.48 21.64 23.61 23.68 21.44 19.22 17.10 14.53 12.79 11.55 10.43 32.72 29.23 70.12 61.66 63.99 68.95 66.68 58.29 60.93

60.93

Page 161 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2009

DATE

15/09/2009

Chemical / Oils / Gas

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

911 194 306 319 591 591 601 710 532 390 374 515 415 610 451 978 890 472 532 282 10,664

911 1,105 1,411 1,730 2,321 2,912 3,513 4,223 4,755 5,145 5,519 6,034 6,449 7,059 7,510 8,488 9,378 9,850 10,382 10,664

BAND

CUM.

8.54 8.54 1.82 10.36 2.87 13.23 2.99 16.22 5.54 21.76 5.54 27.31 5.64 32.94 6.66 39.60 4.99 44.59 3.66 48.25 3.51 51.75 4.83 56.58 3.89 60.47 5.72 66.19 4.23 70.42 9.17 79.59 8.35 87.94 4.43 92.37 4.99 97.36 2.64 100.00

PERCENTAGE rp

5,546.15 337.93 302.48 282.70 713.23 924.07 1,406.61 2,290.27 2,093.33 1,455.28 1,891.03 3,130.63 2,734.11 5,513.04 5,158.71 12,236.64 14,918.60 10,114.31 8,883.31 7,752.77 87,685.21

5,546.15 5,884.09 6,186.57 6,469.27 7,182.50 8,106.57 9,513.18 11,803.45 13,896.78 15,352.06 17,243.09 20,373.72 23,107.83 28,620.87 33,779.58 46,016.22 60,934.81 71,049.12 79,932.43 87,685.21

BAND

6.33 0.39 0.34 0.32 0.81 1.05 1.60 2.61 2.39 1.66 2.16 3.57 3.12 6.29 5.88 13.96 17.01 11.53 10.13 8.84

CUM.

6.33 6.71 7.06 7.38 8.19 9.25 10.85 13.46 15.85 17.51 19.66 23.24 26.35 32.64 38.52 52.48 69.49 81.03 91.16 100.00

PERCENTAGE f

12 1 4 1 3 2 2 6 0 6 3 4 4 6 6 9 13 13 33 9 137

12 13 17 18 21 23 25 31 31 37 40 44 48 54 60 69 82 95 128 137

BAND

8.76 0.73 2.92 0.73 2.19 1.46 1.46 4.38 0.00 4.38 2.19 2.92 2.92 4.38 4.38 6.57 9.49 9.49 24.09 6.57

CUM.

8.76 9.49 12.41 13.14 15.33 16.79 18.25 22.63 22.63 27.01 29.20 32.12 35.04 39.42 43.80 50.36 59.85 69.34 93.43 100.00

PERCENTAGE rp

3,896.53 5.00 460.91 1.84 955.41 168.48 1,678.33 729.64 0.00 313.14 206.13 210.18 231.65 272.09 269.23 168.58 43,653.86 1,368.48 3,842.07 3,780.05 62,211.60

3,896.53 3,901.53 4,362.43 4,364.27 5,319.68 5,488.16 7,166.49 7,896.13 7,896.13 8,209.27 8,415.40 8,625.59 8,857.23 9,129.32 9,398.55 9,567.13 53,220.99 54,589.47 58,431.54 62,211.60

BAND

6.26 0.01 0.74 0.00 1.54 0.27 2.70 1.17 0.00 0.50 0.33 0.34 0.37 0.44 0.43 0.27 70.17 2.20 6.18 6.08

CUM.

6.26 6.27 7.01 7.02 8.55 8.82 11.52 12.69 12.69 13.20 13.53 13.86 14.24 14.67 15.11 15.38 85.55 87.75 93.92 100.00

PERCENTAGE BAND

70.26 1.48 152.38 0.65 133.95 18.23 119.32 31.86 0.00 21.52 10.90 6.71 8.47 4.94 5.22 1.38 292.61 13.53 43.25 48.76

CUM

70.26 66.31 70.51 67.46 74.06 67.70 75.33 66.90 56.82 53.47 48.80 42.34 38.33 31.90 27.82 20.79 87.34 76.83 73.10 70.95

70.95

Page 162 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2009

DATE

15/09/2009

Textiles

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

1,258 792 1,479 1,270 1,733 1,109 882 852 589 407 325 435 265 457 292 684 642 352 652 176 14,651

1,258 2,050 3,529 4,799 6,532 7,641 8,523 9,375 9,964 10,371 10,696 11,131 11,396 11,853 12,145 12,829 13,471 13,823 14,475 14,651

BAND

CUM.

8.59 8.59 5.41 13.99 10.09 24.09 8.67 32.76 11.83 44.58 7.57 52.15 6.02 58.17 5.82 63.99 4.02 68.01 2.78 70.79 2.22 73.01 2.97 75.97 1.81 77.78 3.12 80.90 1.99 82.90 4.67 87.56 4.38 91.95 2.40 94.35 4.45 98.80 1.20 100.00

PERCENTAGE rp

4,960.44 360.45 1,221.27 1,140.91 2,476.37 2,230.63 2,446.97 2,830.02 2,277.14 1,740.84 1,818.15 2,625.80 1,792.92 4,316.32 3,146.79 9,030.91 12,828.67 5,921.02 9,898.30 4,448.43 77,512.33

4,960.44 5,320.89 6,542.16 7,683.07 10,159.43 12,390.06 14,837.03 17,667.04 19,944.18 21,685.01 23,503.17 26,128.96 27,921.88 32,238.20 35,384.99 44,415.90 57,244.58 63,165.59 73,063.90 77,512.33

BAND

6.40 0.47 1.58 1.47 3.19 2.88 3.16 3.65 2.94 2.25 2.35 3.39 2.31 5.57 4.06 11.65 16.55 7.64 12.77 5.74

CUM.

6.40 6.86 8.44 9.91 13.11 15.98 19.14 22.79 25.73 27.98 30.32 33.71 36.02 41.59 45.65 57.30 73.85 81.49 94.26 100.00

PERCENTAGE f

18 2 0 2 0 0 1 2 4 3 3 6 0 3 6 15 20 11 38 10 144

18 20 20 22 22 22 23 25 29 32 35 41 41 44 50 65 85 96 134 144

BAND

CUM.

12.50 12.50 1.39 13.89 0.00 13.89 1.39 15.28 0.00 15.28 0.00 15.28 0.69 15.97 1.39 17.36 2.78 20.14 2.08 22.22 2.08 24.31 4.17 28.47 0.00 28.47 2.08 30.56 4.17 34.72 10.42 45.14 13.89 59.03 7.64 66.67 26.39 93.06 6.94 100.00

PERCENTAGE rp

2,220.29 93.01 0.00 364.69 0.00 0.00 6.40 124.69 81.63 134.22 478.60 70.44 0.00 383.55 445.06 17,346.29 8,945.25 12,809.18 7,335.32 1,672.25 52,510.88

2,220.29 2,313.30 2,313.30 2,678.00 2,678.00 2,678.00 2,684.39 2,809.08 2,890.71 3,024.93 3,503.53 3,573.98 3,573.98 3,957.53 4,402.59 21,748.88 30,694.13 43,503.31 50,838.63 52,510.88

BAND

4.23 0.18 0.00 0.69 0.00 0.00 0.01 0.24 0.16 0.26 0.91 0.13 0.00 0.73 0.85 33.03 17.04 24.39 13.97 3.18

PERCENTAGE

CUM.

BAND

4.23 4.41 4.41 5.10 5.10 5.10 5.11 5.35 5.50 5.76 6.67 6.81 6.81 7.54 8.38 41.42 58.45 82.85 96.82 100.00

44.76 25.80 0.00 31.97 0.00 0.00 0.26 4.41 3.58 7.71 26.32 2.68 0.00 8.89 14.14 192.08 69.73 216.33 74.11 37.59

CUM

44.76 43.48 35.36 34.86 26.36 21.61 18.09 15.90 14.49 13.95 14.91 13.68 12.80 12.28 12.44 48.97 53.62 68.87 69.58 67.75

67.75

Page 163 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2009

DATE

15/09/2009

Paper, Leather, Rubber

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

1,022 1,022 483 1,505 795 2,300 723 3,023 1,003 4,026 688 4,714 577 5,291 653 5,944 486 6,430 336 6,766 279 7,045 358 7,403 262 7,665 402 8,067 259 8,326 519 8,845 491 9,336 303 9,639 376 10,015 118 10,133 10,133

BAND

CUM.

10.09 10.09 4.77 14.85 7.85 22.70 7.14 29.83 9.90 39.73 6.79 46.52 5.69 52.22 6.44 58.66 4.80 63.46 3.32 66.77 2.75 69.53 3.53 73.06 2.59 75.64 3.97 79.61 2.56 82.17 5.12 87.29 4.85 92.13 2.99 95.12 3.71 98.84 1.16 100.00

PERCENTAGE rp

14,995.63 270.70 555.58 706.28 1,480.18 1,488.85 1,578.76 2,535.50 2,275.49 1,899.15 1,692.12 2,657.09 2,079.26 4,114.59 3,334.18 8,515.78 14,226.44 7,129.79 7,953.30 58,932.62 138,421.28

14,995.63 15,266.33 15,821.91 16,528.19 18,008.36 19,497.22 21,075.97 23,611.47 25,886.96 27,786.11 29,478.24 32,135.32 34,214.58 38,329.18 41,663.36 50,179.14 64,405.58 71,535.37 79,488.67 138,421.28

BAND

CUM.

10.83 0.20 0.40 0.51 1.07 1.08 1.14 1.83 1.64 1.37 1.22 1.92 1.50 2.97 2.41 6.15 10.28 5.15 5.75 42.57

10.83 11.03 11.43 11.94 13.01 14.09 15.23 17.06 18.70 20.07 21.30 23.22 24.72 27.69 30.10 36.25 46.53 51.68 57.43 100.00

PERCENTAGE f

8 0 13 2 1 10 3 2 1 0 4 3 6 3 2 9 11 12 5 6 101

BAND

CUM.

8 7.92 7.92 8 0.00 7.92 21 12.87 20.79 23 1.98 22.77 24 0.99 23.76 34 9.90 33.66 37 2.97 36.63 39 1.98 38.61 40 0.99 39.60 40 0.00 39.60 44 3.96 43.56 47 2.97 46.53 53 5.94 52.48 56 2.97 55.45 58 1.98 57.43 67 8.91 66.34 78 10.89 77.23 90 11.88 89.11 95 4.95 94.06 101 5.94 100.0

PERCENTAGE rp

2,301.49 0.00 74.96 6.12 6.00 33.84 965.89 269.78 0.00 0.00 5,251.29 254.37 10,544.38 8,258.21 453.16 16,552.95 71,536.47 73,053.16 23,909.62 22,767.69 236,239.38

2,301.49 2,301.49 2,376.45 2,382.57 2,388.57 2,422.41 3,388.30 3,658.07 3,658.07 3,658.07 8,909.36 9,163.73 19,708.11 27,966.32 28,419.49 44,972.44 116,508.90 189,562.07 213,471.69 236,239.38

BAND

0.97 0.00 0.03 0.00 0.00 0.01 0.41 0.11 0.00 0.00 2.22 0.11 4.46 3.50 0.19 7.01 30.28 30.92 10.12 9.64

PERCENTAGE

CUM.

BAND

0.97 0.97 1.01 1.01 1.01 1.03 1.43 1.55 1.55 1.55 3.77 3.88 8.34 11.84 12.03 19.04 49.32 80.24 90.36 100.00

15.35 0.00 13.49 0.87 0.41 2.27 61.18 10.64 0.00 0.00 310.34 9.57 507.12 200.71 13.59 194.38 502.84 1024.6 300.63 38.63

CUM

15.35 15.08 15.02 14.42 13.26 12.42 16.08 15.49 14.13 13.17 30.22 28.52 57.60 72.96 68.21 89.62 180.90 264.99 268.56 170.67

170.67

Page 164 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 26

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

Wood, Bamboo and Rattan

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

945 593 686 486 589 432 368 426 337 275 219 253 179 322 241 386 395 231 271 65 7,699

945 1,538 2,224 2,710 3,299 3,731 4,099 4,525 4,862 5,137 5,356 5,609 5,788 6,110 6,351 6,737 7,132 7,363 7,634 7,699

BAND

CUM.

12.27 12.27 7.70 19.98 8.91 28.89 6.31 35.20 7.65 42.85 5.61 48.46 4.78 53.24 5.53 58.77 4.38 63.15 3.57 66.72 2.84 69.57 3.29 72.85 2.32 75.18 4.18 79.36 3.13 82.49 5.01 87.50 5.13 92.64 3.00 95.64 3.52 99.16 0.84 100.00

PERCENTAGE rp

4,066.31 558.08 821.73 945.73 1,594.68 1,676.98 1,744.07 2,619.59 2,688.79 2,265.89 2,088.12 2,881.23 2,660.03 5,427.08 5,166.23 11,211.62 11,061.13 6,931.07 6,616.68 4,613.88 77,638.91

4,066.31 4,624.39 5,446.12 6,391.84 7,986.52 9,663.50 11,407.57 14,027.16 16,715.95 18,981.83 21,069.95 23,951.19 26,611.21 32,038.29 37,204.52 48,416.14 59,477.28 66,408.35 73,025.03 77,638.91

BAND

5.24 0.72 1.06 1.22 2.05 2.16 2.25 3.37 3.46 2.92 2.69 3.71 3.43 6.99 6.65 14.44 14.25 8.93 8.52 5.94

CUM.

5.24 5.96 7.01 8.23 10.29 12.45 14.69 18.07 21.53 24.45 27.14 30.85 34.28 41.27 47.92 62.36 76.61 85.53 94.06 100.00

PERCENTAGE f

5 0 3 1 2 0 2 4 1 1 0 1 1 7 8 9 19 6 9 0 79

BAND

5 5 8 9 11 11 13 17 18 19 19 20 21 28 36 45 64 70 79 79

CUM.

6.33 6.33 0.00 6.33 3.80 10.13 1.27 11.39 2.53 13.92 0.00 13.92 2.53 16.46 5.06 21.52 1.27 22.78 1.27 24.05 0.00 24.05 1.27 25.32 1.27 26.58 8.86 35.44 10.13 45.57 11.39 56.96 24.05 81.01 7.59 88.61 11.39 100.00 0.00 100.00

PERCENTAGE rp

129.12 0.00 2,780.63 6.71 1,142.95 0.00 137.43 1,078.06 1,200.00 12.03 0.00 1,299.38 23.55 853.65 2,211.21 9,980.94 15,269.11 714.53 1,357.11 0.00 38,196.41

129.12 129.12 2,909.76 2,916.47 4,059.43 4,059.43 4,196.86 5,274.92 6,474.92 6,486.94 6,486.94 7,786.32 7,809.87 8,663.51 10,874.72 20,855.67 36,124.77 36,839.30 38,196.41 38,196.41

BAND

0.34 0.00 7.28 0.02 2.99 0.00 0.36 2.82 3.14 0.03 0.00 3.40 0.06 2.23 5.79 26.13 39.98 1.87 3.55 0.00

PERCENTAGE

CUM.

BAND

0.34 0.34 7.62 7.64 10.63 10.63 10.99 13.81 16.95 16.98 16.98 20.38 20.45 22.68 28.47 54.60 94.58 96.45 100.00 100.00

3.18 0.00 338.39 0.71 71.67 0.00 7.88 41.15 44.63 0.53 0.00 45.10 0.89 15.73 42.80 89.02 138.04 10.31 20.51 0.00

CUM

3.18 2.79 53.43 45.63 50.83 42.01 36.79 37.61 38.73 34.17 30.79 32.51 29.35 27.04 29.23 43.08 60.74 55.47 52.31 49.20

49.20

Page 165 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

Nutritional, Drinks and Tobacco

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

3,814 2,222 2,365 1,684 1,965 1,274 981 1,085 791 690 476 670 568 964 705 1,508 1,643 793 919 363 25,480

BAND

CUM.

3,814 14.97 14.97 6,036 8.72 23.69 8,401 9.28 32.97 10,085 6.61 39.58 12,050 7.71 47.29 13,324 5.00 52.29 14,305 3.85 56.14 15,390 4.26 60.40 16,181 3.10 63.50 16,871 2.71 66.21 17,347 1.87 68.08 18,017 2.63 70.71 18,585 2.23 72.94 19,549 3.78 76.72 20,254 2.77 79.49 21,762 5.92 85.41 23,405 6.45 91.86 24,198 3.11 94.97 25,117 3.61 98.58 25,480 1.42 100.00

PERCENTAGE rp

6,058.13 1,062.94 903.02 902.93 1,671.17 1,640.09 1,795.58 2,371.21 2,001.24 1,615.35 2,296.18 2,734.25 2,755.54 5,898.20 5,123.19 13,695.04 16,322.52 8,450.36 8,299.96 4,407.22 90,004.14

6,058.13 7,121.07 8,024.09 8,927.03 10,598.20 12,238.29 14,033.87 16,405.08 18,406.32 20,021.67 22,317.86 25,052.11 27,807.64 33,705.85 38,829.04 52,524.08 68,846.61 77,296.97 85,596.92 90,004.14

BAND

6.73 1.18 1.00 1.00 1.86 1.82 1.99 2.63 2.22 1.79 2.55 3.04 3.06 6.55 5.69 15.22 18.14 9.39 9.22 4.90

CUM.

6.73 7.91 8.92 9.92 11.78 13.60 15.59 18.23 20.45 22.25 24.80 27.83 30.90 37.45 43.14 58.36 76.49 85.88 95.10 100.00

PERCENTAGE f

27 3 1 0 2 13 4 3 5 6 3 7 2 4 5 94 30 14 29 10 262

27 30 31 31 33 46 50 53 58 64 67 74 76 80 85 179 209 223 252 262

BAND

10.31 1.15 0.38 0.00 0.76 4.96 1.53 1.15 1.91 2.29 1.15 2.67 0.76 1.53 1.91 35.88 11.45 5.34 11.07 3.82

CUM.

10.31 11.45 11.83 11.83 12.60 17.56 19.08 20.23 22.14 24.43 25.57 28.24 29.01 30.53 32.44 68.32 79.77 85.11 96.18 100.00

PERCENTAGE rp

938.12 23.13 52.97 0.00 973.62 915.41 814.46 195.55 107.80 1,026.30 1,031.71 149.23 3,382.56 116.12 107.98 7,044.96 4,071.14 937.74 3,129.62 2,110.13 27,128.55

938.12 961.26 1,014.22 1,014.22 1,987.85 2,903.25 3,717.72 3,913.27 4,021.07 5,047.37 6,079.08 6,228.31 9,610.87 9,726.99 9,834.96 16,879.93 20,951.06 21,888.80 25,018.42 27,128.55

BAND

CUM.

PERCENTAGE BAND

3.46 3.46 15.49 0.09 3.54 2.18 0.20 3.74 5.87 0.00 3.74 0.00 3.59 7.33 58.26 3.37 10.70 55.81 3.00 13.70 45.36 0.72 14.42 8.25 0.40 14.82 5.39 3.78 18.61 63.53 3.80 22.41 44.93 0.55 22.96 5.46 12.47 35.43 122.75 0.43 35.86 1.97 0.40 36.25 2.11 25.97 62.22 51.44 15.01 77.23 24.94 3.46 80.69 11.10 11.54 92.22 37.71 7.78 100.00 47.88

CUM

15.49 13.50 12.64 11.36 18.76 23.72 26.49 23.85 21.85 25.21 27.24 24.86 34.56 28.86 25.33 32.14 30.43 28.32 29.23 30.14

30.14

Page 166 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 28

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2009

DATE

15/09/2009

Power and Heating

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

75 78 14 114 568 2,492 749 294 9 19 8 15 12 44 14 51 72 79 92 129 4,928

75 153 167 281 849 3,341 4,090 4,384 4,393 4,412 4,420 4,435 4,447 4,491 4,505 4,556 4,628 4,707 4,799 4,928

BAND

CUM.

1.52 1.52 1.58 3.10 0.28 3.39 2.31 5.70 11.53 17.23 50.57 67.80 15.20 83.00 5.97 88.96 0.18 89.14 0.39 89.53 0.16 89.69 0.30 90.00 0.24 90.24 0.89 91.13 0.28 91.42 1.03 92.45 1.46 93.91 1.60 95.52 1.87 97.38 2.62 100.00

PERCENTAGE rp

835.66 118.33 11.90 9.81 11.89 7.76 34.74 68.74 17.48 19.73 21.43 88.87 16.07 197.23 114.34 564.31 1,236.58 870.97 1,163.75 1,957.13 7,366.72

835.66 953.99 965.89 975.70 987.59 995.35 1,030.09 1,098.84 1,116.32 1,136.04 1,157.47 1,246.34 1,262.41 1,459.64 1,573.98 2,138.28 3,374.86 4,245.83 5,409.59 7,366.72

BAND

11.34 1.61 0.16 0.13 0.16 0.11 0.47 0.93 0.24 0.27 0.29 1.21 0.22 2.68 1.55 7.66 16.79 11.82 15.80 26.57

CUM.

11.34 12.95 13.11 13.24 13.41 13.51 13.98 14.92 15.15 15.42 15.71 16.92 17.14 19.81 21.37 29.03 45.81 57.64 73.43 100.00

PERCENTAGE f

1 0 0 0 0 0 1 0 0 0 0 0 0 0 1 0 0 0 2 6 11

1 1 1 1 1 1 2 2 2 2 2 2 2 2 3 3 3 3 5 11

BAND

9.09 0.00 0.00 0.00 0.00 0.00 9.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.09 0.00 0.00 0.00 18.18 54.55

CUM.

9.09 9.09 9.09 9.09 9.09 9.09 18.18 18.18 18.18 18.18 18.18 18.18 18.18 18.18 27.27 27.27 27.27 27.27 45.45 100.00

PERCENTAGE rp

157.05 0.00 0.00 0.00 0.00 0.00 11.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 256.25 0.00 0.00 0.00 52.73 66,302.67 66,780.05

157.05 157.05 157.05 157.05 157.05 157.05 168.40 168.40 168.40 168.40 168.40 168.40 168.40 168.40 424.65 424.65 424.65 424.65 477.38 66,780.05

BAND

0.24 0.00 0.00 0.00 0.00 0.00 0.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.38 0.00 0.00 0.00 0.08 99.29

PERCENTAGE

CUM.

BAND

CUM

0.24 0.24 0.24 0.24 0.24 0.24 0.25 0.25 0.25 0.25 0.25 0.25 0.25 0.25 0.64 0.64 0.64 0.64 0.71 100.00

18.79 0.00 0.00 0.00 0.00 0.00 32.66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 224.12 0.00 0.00 0.00 4.53 3387.74

18.79 16.46 16.26 16.10 15.90 15.78 16.35 15.33 15.09 14.82 14.55 13.51 13.34 11.54 26.98 19.86 12.58 10.00 8.82 906.51

906.51

Page 167 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 29

01/01/2008

15/06/2009

DATE

15/09/2009

DATA POSITION FROM

PROCESSING

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

144,678 144,045 181,515 113,946 124,630 63,813 44,580 34,649 19,134 10,087 7,856 8,877 5,682 6,878 3,965 5,774 4,054 1,663 2,147 613 928,586

144,678 288,723 470,238 584,184 708,814 772,627 817,207 851,856 870,990 881,077 888,933 897,810 903,492 910,370 914,335 920,109 924,163 925,826 927,973 928,586

BAND

CUM.

15.58 15.58 15.51 31.09 19.55 50.64 12.27 62.91 13.42 76.33 6.87 83.20 4.80 88.01 3.73 91.74 2.06 93.80 1.09 94.88 0.85 95.73 0.96 96.69 0.61 97.30 0.74 98.04 0.43 98.47 0.62 99.09 0.44 99.52 0.18 99.70 0.23 99.93 0.07 100.00

PERCENTAGE rp

53,435.25 34,265.95 69,941.03 68,540.26 117,762.09 84,159.17 80,988.27 82,055.06 58,382.99 36,678.68 33,518.70 43,979.82 34,294.29 46,959.30 32,123.05 65,333.65 55,802.65 31,502.61 44,203.79 129,768.29 1,203,694.93

53,435.25 87,701.20 157,642.23 226,182.50 343,944.59 428,103.76 509,092.03 591,147.09 649,530.08 686,208.76 719,727.46 763,707.28 798,001.57 844,960.87 877,083.92 942,417.58 998,220.23 1,029,722.84 1,073,926.64 1,203,694.93

BAND

CUM.

4.44 4.44 2.85 7.29 5.81 13.10 5.69 18.79 9.78 28.57 6.99 35.57 6.73 42.29 6.82 49.11 4.85 53.96 3.05 57.01 2.78 59.79 3.65 63.45 2.85 66.30 3.90 70.20 2.67 72.87 5.43 78.29 4.64 82.93 2.62 85.55 3.67 89.22 10.78 100.00

PERCENTAGE f

147 75 116 75 131 68 66 69 67 32 30 38 50 37 20 74 59 45 76 115 1,390

BAND

CUM.

147 10.58 10.58 222 5.40 15.97 338 8.35 24.32 413 5.40 29.71 544 9.42 39.14 612 4.89 44.03 678 4.75 48.78 747 4.96 53.74 814 4.82 58.56 846 2.30 60.86 876 2.16 63.02 914 2.73 65.76 964 3.60 69.35 1,001 2.66 72.01 1,021 1.44 73.45 1,095 5.32 78.78 1,154 4.24 83.02 1,199 3.24 86.26 1,275 5.47 91.73 1,390 8.27 100.00

PERCENTAGE rp

27,655.69 3,024.30 7,996.17 5,702.22 10,508.76 6,989.30 6,121.92 12,657.11 6,524.32 6,254.87 1,648.99 18,568.49 8,946.88 8,484.53 2,432.88 41,772.69 30,267.43 6,155.75 9,489.29 111,415.95 332,617.55

BAND

CUM.

27,655.69 8.31 8.31 30,679.99 0.91 9.22 38,676.16 2.40 11.63 44,378.38 1.71 13.34 54,887.14 3.16 16.50 61,876.44 2.10 18.60 67,998.36 1.84 20.44 80,655.47 3.81 24.25 87,179.79 1.96 26.21 93,434.66 1.88 28.09 95,083.66 0.50 28.59 113,652.14 5.58 34.17 122,599.03 2.69 36.86 131,083.56 2.55 39.41 133,516.44 0.73 40.14 175,289.13 12.56 52.70 205,556.56 9.10 61.80 211,712.31 1.85 63.65 221,201.60 2.85 66.50 332,617.55 33.50 100.00

PERCENTAGE BAND

51.76 8.83 11.43 8.32 8.92 8.30 7.56 15.43 11.18 17.05 4.92 42.22 26.09 18.07 7.57 63.94 54.24 19.54 21.47 85.86

CUM

51.76 34.98 24.53 19.62 15.96 14.45 13.36 13.64 13.42 13.62 13.21 14.88 15.36 15.51 15.22 18.60 20.59 20.56 20.60 27.63

27.63

Page 168 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2009

DATE

15/09/2009

Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

89 11 16 12 11 19 8 6 5 6 1 5 6 3 1 5 5 1 0 0 210

89 100 116 128 139 158 166 172 177 183 184 189 195 198 199 204 209 210 210 210

BAND

CUM.

42.38 42.38 5.24 47.62 7.62 55.24 5.71 60.95 5.24 66.19 9.05 75.24 3.81 79.05 2.86 81.90 2.38 84.29 2.86 87.14 0.48 87.62 2.38 90.00 2.86 92.86 1.43 94.29 0.48 94.76 2.38 97.14 2.38 99.52 0.48 100.00 0.00 100.00 0.00 100.00

PERCENTAGE rp

61.48 4.59 20.47 36.45 54.59 36.60 31.63 35.22 22.34 41.84 11.83 126.09 86.83 62.47 19.43 176.68 445.29 143.29 0.00 0.00 1,417.13

61.48 66.08 86.55 123.00 177.59 214.20 245.82 281.04 303.38 345.22 357.05 483.14 569.97 632.44 651.86 828.55 1,273.84 1,417.13 1,417.13 1,417.13

BAND

4.34 0.32 1.44 2.57 3.85 2.58 2.23 2.48 1.58 2.95 0.83 8.90 6.13 4.41 1.37 12.47 31.42 10.11 0.00 0.00

CUM.

4.34 4.66 6.11 8.68 12.53 15.11 17.35 19.83 21.41 24.36 25.20 34.09 40.22 44.63 46.00 58.47 89.89 100.00 100.00 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

BAND

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

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 169 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2009

DATE

15/09/2009

Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

68 32 22 12 34 18 26 31 23 8 9 34 8 37 16 40 77 61 54 17 627

68 100 122 134 168 186 212 243 266 274 283 317 325 362 378 418 495 556 610 627

BAND

CUM.

10.85 10.85 5.10 15.95 3.51 19.46 1.91 21.37 5.42 26.79 2.87 29.67 4.15 33.81 4.94 38.76 3.67 42.42 1.28 43.70 1.44 45.14 5.42 50.56 1.28 51.83 5.90 57.74 2.55 60.29 6.38 66.67 12.28 78.95 9.73 88.68 8.61 97.29 2.71 100.00

PERCENTAGE rp

334.75 118.28 17.99 7.83 29.03 23.21 75.48 289.63 72.88 29.44 62.53 157.52 30.45 334.18 183.40 1,705.30 1,676.60 2,624.76 6,465.05 1,952.12 16,190.44

334.75 453.03 471.02 478.85 507.88 531.09 606.57 896.20 969.08 998.53 1,061.06 1,218.58 1,249.03 1,583.21 1,766.61 3,471.91 5,148.50 7,773.27 14,238.32 16,190.44

BAND

2.07 0.73 0.11 0.05 0.18 0.14 0.47 1.79 0.45 0.18 0.39 0.97 0.19 2.06 1.13 10.53 10.36 16.21 39.93 12.06

CUM.

2.07 2.80 2.91 2.96 3.14 3.28 3.75 5.54 5.99 6.17 6.55 7.53 7.71 9.78 10.91 21.44 31.80 48.01 87.94 100.00

PERCENTAGE f

0 0 1 0 0 0 0 3 0 0 0 0 0 1 1 0 1 0 0 0 7

BAND

0 0 1 1 1 1 1 4 4 4 4 4 4 5 6 6 7 7 7 7

0.00 0.00 14.29 0.00 0.00 0.00 0.00 42.86 0.00 0.00 0.00 0.00 0.00 14.29 14.29 0.00 14.29 0.00 0.00 0.00

CUM.

0.00 0.00 14.29 14.29 14.29 14.29 14.29 57.14 57.14 57.14 57.14 57.14 57.14 71.43 85.71 85.71 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 0.00 2.41 0.00 0.00 0.00 0.00 132.90 0.00 0.00 0.00 0.00 0.00 69.68 11.88 0.00 30.00 0.00 0.00 0.00 246.87

0.00 0.00 2.41 2.41 2.41 2.41 2.41 135.31 135.31 135.31 135.31 135.31 135.31 204.99 216.87 216.87 246.87 246.87 246.87 246.87

BAND

0.00 0.00 0.98 0.00 0.00 0.00 0.00 53.83 0.00 0.00 0.00 0.00 0.00 28.23 4.81 0.00 12.15 0.00 0.00 0.00

CUM.

0.00 0.00 0.98 0.98 0.98 0.98 0.98 54.81 54.81 54.81 54.81 54.81 54.81 83.04 87.85 87.85 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 0.00 13.40 0.00 0.00 0.00 0.00 45.89 0.00 0.00 0.00 0.00 0.00 20.85 6.48 0.00 1.79 0.00 0.00 0.00

CUM

0.00 0.00 0.51 0.50 0.47 0.45 0.40 15.10 13.96 13.55 12.75 11.10 10.83 12.95 12.28 6.25 4.80 3.18 1.73 1.52

1.52

Page 170 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 32

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2009

DATE

15/09/2009

Recreation Place

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

15 9 9 2 10 1 1 3 1 2 1 1 1 9 1 11 15 8 4 0 104

15 24 33 35 45 46 47 50 51 53 54 55 56 65 66 77 92 100 104 104

BAND

CUM.

14.42 14.42 8.65 23.08 8.65 31.73 1.92 33.65 9.62 43.27 0.96 44.23 0.96 45.19 2.88 48.08 0.96 49.04 1.92 50.96 0.96 51.92 0.96 52.88 0.96 53.85 8.65 62.50 0.96 63.46 10.58 74.04 14.42 88.46 7.69 96.15 3.85 100.00 0.00 100.00

PERCENTAGE rp

6.39 24.33 11.91 1.74 8.03 5.48 5.48 16.43 9.96 20.53 9.62 0.00 22.58 214.11 6.30 275.02 749.97 753.27 105.70 0.00 2,246.84

6.39 30.72 42.63 44.37 52.40 57.88 63.35 79.78 89.73 110.26 119.88 119.88 142.46 356.57 362.87 637.90 1,387.87 2,141.14 2,246.84 2,246.84

BAND

0.28 1.08 0.53 0.08 0.36 0.24 0.24 0.73 0.44 0.91 0.43 0.00 1.00 9.53 0.28 12.24 33.38 33.53 4.70 0.00

CUM.

0.28 1.37 1.90 1.97 2.33 2.58 2.82 3.55 3.99 4.91 5.34 5.34 6.34 15.87 16.15 28.39 61.77 95.30 100.00 100.00

PERCENTAGE f

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

BAND

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 3 3 3

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33.33 66.67 0.00 0.00

CUM.

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

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 500.00 282.56 0.00 0.00 782.56

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 500.00 782.56 782.56 782.56

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 63.89 36.11 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 63.89 100.00 100.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 66.67 37.51 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 36.03 36.55 34.83 34.83

34.83

Page 171 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 40

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2009

DATE

15/09/2009

Non Estate Plantation Risk

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,490 143 95 35 43 31 23 24 21 11 10 16 10 21 16 38 40 23 7 0 2,097

1,490 1,633 1,728 1,763 1,806 1,837 1,860 1,884 1,905 1,916 1,926 1,942 1,952 1,973 1,989 2,027 2,067 2,090 2,097 2,097

BAND

CUM.

71.05 71.05 6.82 77.87 4.53 82.40 1.67 84.07 2.05 86.12 1.48 87.60 1.10 88.70 1.14 89.84 1.00 90.84 0.52 91.37 0.48 91.85 0.76 92.61 0.48 93.09 1.00 94.09 0.76 94.85 1.81 96.66 1.91 98.57 1.10 99.67 0.33 100.00 0.00 100.00

PERCENTAGE rp

358.38 56.21 93.17 50.37 85.22 54.99 52.73 57.38 85.32 46.72 74.35 128.39 140.52 283.07 489.36 1,472.57 1,724.70 676.55 212.48 0.00 6,142.49

358.38 414.58 507.76 558.13 643.36 698.34 751.08 808.45 893.77 940.49 1,014.84 1,143.23 1,283.75 1,566.83 2,056.18 3,528.76 5,253.46 5,930.01 6,142.49 6,142.49

BAND

5.83 0.92 1.52 0.82 1.39 0.90 0.86 0.93 1.39 0.76 1.21 2.09 2.29 4.61 7.97 23.97 28.08 11.01 3.46 0.00

CUM.

5.83 6.75 8.27 9.09 10.47 11.37 12.23 13.16 14.55 15.31 16.52 18.61 20.90 25.51 33.47 57.45 85.53 96.54 100.00 100.00

PERCENTAGE f

BAND

CUM.

PERCENTAGE rp

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

0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 2 100.00 100.00 2,296.43 2 0.00 100.00 0.00 2 0.00 100.00 0.00 2 0.00 100.00 0.00

2,296.43

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,296.43 100.00 2,296.43 0.00 2,296.43 0.00 2,296.43 0.00

PERCENTAGE

CUM.

BAND

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 133.15 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 43.71 38.73 37.39 37.39

37.39

Page 172 of 204

RISK AND LOSS PROFILE 2008 GROUP BY PROVINCE

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

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 01

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

NANGROE ACEH DARUSSALAM

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

1,138 1,525 2,084 1,284 1,096 441 354 188 108 33 27 30 27 30 17 21 25 13 8 19 8,468

1,138 2,663 4,747 6,031 7,127 7,568 7,922 8,110 8,218 8,251 8,278 8,308 8,335 8,365 8,382 8,403 8,428 8,441 8,449 8,468

BAND

CUM.

13.44 13.44 18.01 31.45 24.61 56.06 15.16 71.22 12.94 84.16 5.21 89.37 4.18 93.55 2.22 95.77 1.28 97.05 0.39 97.44 0.32 97.76 0.35 98.11 0.32 98.43 0.35 98.78 0.20 98.98 0.25 99.23 0.30 99.53 0.15 99.68 0.09 99.78 0.22 100.00

PERCENTAGE rp

264.55 600.34 1,459.11 1,483.94 1,743.98 1,003.94 983.20 664.87 454.48 174.20 127.45 180.64 146.03 240.09 190.68 275.66 700.18 400.99 41.98 524.03 11,660.32

264.55 864.89 2,324.00 3,807.94 5,551.92 6,555.86 7,539.06 8,203.92 8,658.40 8,832.60 8,960.05 9,140.70 9,286.72 9,526.81 9,717.48 9,993.15 10,693.33 11,094.31 11,136.29 11,660.32

BAND

2.27 5.15 12.51 12.73 14.96 8.61 8.43 5.70 3.90 1.49 1.09 1.55 1.25 2.06 1.64 2.36 6.00 3.44 0.36 4.49

CUM.

2.27 7.42 19.93 32.66 47.61 56.22 64.66 70.36 74.26 75.75 76.84 78.39 79.64 81.70 83.34 85.70 91.71 95.15 95.51 100.00

PERCENTAGE f

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

BAND

4 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5

80.00 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 0.00 0.00

CUM.

80.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

171.00 72.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

171.00 243.00 243.00 243.00 243.00 243.00 243.00 243.00 243.00 243.00 243.00 243.00 243.00 243.00 243.00 243.00 243.00 243.00 243.00 243.00

243.00

BAND

70.37 29.63 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 0.00 0.00

CUM.

70.37 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

64.64 11.99 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

64.64 28.10 10.46 6.38 4.38 3.71 3.22 2.96 2.81 2.75 2.71 2.66 2.62 2.55 2.50 2.43 2.27 2.19 2.18 2.08

2.08

Page 173 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 02

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

SUMATERA UTARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

8,643 8,321 14,531 9,767 9,693 4,194 2,931 2,069 1,143 631 525 566 417 512 288 521 500 245 234 76 65,807

8,643 16,964 31,495 41,262 50,955 55,149 58,080 60,149 61,292 61,923 62,448 63,014 63,431 63,943 64,231 64,752 65,252 65,497 65,731 65,807

BAND

CUM.

13.13 13.13 12.64 25.78 22.08 47.86 14.84 62.70 14.73 77.43 6.37 83.80 4.45 88.26 3.14 91.40 1.74 93.14 0.96 94.10 0.80 94.90 0.86 95.76 0.63 96.39 0.78 97.17 0.44 97.61 0.79 98.40 0.76 99.16 0.37 99.53 0.36 99.88 0.12 100.00

PERCENTAGE rp

5,050.49 1,880.11 5,114.97 5,639.51 8,955.62 5,447.84 5,792.94 5,477.39 4,069.27 2,616.58 2,566.05 3,227.82 3,086.45 4,444.78 3,431.73 7,311.73 8,028.58 4,874.36 2,701.78 2,252.16 91,970.16

5,050.49 6,930.59 12,045.57 17,685.07 26,640.69 32,088.53 37,881.47 43,358.86 47,428.13 50,044.71 52,610.77 55,838.58 58,925.03 63,369.82 66,801.55 74,113.28 82,141.85 87,016.22 89,718.00 91,970.16

BAND

CUM.

5.49 5.49 2.04 7.54 5.56 13.10 6.13 19.23 9.74 28.97 5.92 34.89 6.30 41.19 5.96 47.14 4.42 51.57 2.85 54.41 2.79 57.20 3.51 60.71 3.36 64.07 4.83 68.90 3.73 72.63 7.95 80.58 8.73 89.31 5.30 94.61 2.94 97.55 2.45 100.00

PERCENTAGE f

20 6 3 5 6 11 1 9 2 0 0 4 3 2 1 10 9 6 11 1 110

20 26 29 34 40 51 52 61 63 63 63 67 70 72 73 83 92 98 109 110

BAND

CUM.

18.18 18.18 5.45 23.64 2.73 26.36 4.55 30.91 5.45 36.36 10.00 46.36 0.91 47.27 8.18 55.45 1.82 57.27 0.00 57.27 0.00 57.27 3.64 60.91 2.73 63.64 1.82 65.45 0.91 66.36 9.09 75.45 8.18 83.64 5.45 89.09 10.00 99.09 0.91 100.00

PERCENTAGE rp

2,171.28 255.38 19.59 258.63 1,125.70 966.19 13.21 2,192.20 145.31 0.00 0.00 175.91 78.78 1,013.71 9.67 2,318.56 4,810.84 521.43 7,612.52 0.00 23,688.95

2,171.28 2,426.67 2,446.26 2,704.89 3,830.59 4,796.79 4,810.00 7,002.20 7,147.52 7,147.52 7,147.52 7,323.43 7,402.21 8,415.92 8,425.60 10,744.16 15,555.00 16,076.43 23,688.95 23,688.95

BAND

9.17 1.08 0.08 1.09 4.75 4.08 0.06 9.25 0.61 0.00 0.00 0.74 0.33 4.28 0.04 9.79 20.31 2.20 32.14 0.00

PERCENTAGE

CUM.

BAND

9.17 10.24 10.33 11.42 16.17 20.25 20.30 29.56 30.17 30.17 30.17 30.91 31.25 35.53 35.57 45.36 65.66 67.86 100.00 100.00

42.99 13.58 0.38 4.59 12.57 17.74 0.23 40.02 3.57 0.00 0.00 5.45 2.55 22.81 0.28 31.71 59.92 10.70 281.76 0.00

CUM

42.99 35.01 20.31 15.29 14.38 14.95 12.70 16.15 15.07 14.28 13.59 13.12 12.56 13.28 12.61 14.50 18.94 18.48 26.40 25.76

25.76

Page 174 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 03

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

SUMATERA BARAT

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

2,599 4,405 7,046 4,054 3,545 1,407 1,020 584 401 202 180 204 137 142 95 123 93 56 47 14 26,354

2,599 7,004 14,050 18,104 21,649 23,056 24,076 24,660 25,061 25,263 25,443 25,647 25,784 25,926 26,021 26,144 26,237 26,293 26,340 26,354

BAND

CUM.

9.86 9.86 16.71 26.58 26.74 53.31 15.38 68.70 13.45 82.15 5.34 87.49 3.87 91.36 2.22 93.57 1.52 95.09 0.77 95.86 0.68 96.54 0.77 97.32 0.52 97.84 0.54 98.38 0.36 98.74 0.47 99.20 0.35 99.56 0.21 99.77 0.18 99.95 0.05 100.00

PERCENTAGE rp

662.70 820.08 1,939.91 1,850.04 3,173.64 1,933.71 2,171.17 1,569.69 1,240.50 905.35 527.49 770.45 504.22 586.50 316.03 1,192.57 1,275.50 957.00 1,059.49 755.55 24,211.58

BAND

662.70 2.74 1,482.78 3.39 3,422.70 8.01 5,272.74 7.64 8,446.38 13.11 10,380.09 7.99 12,551.25 8.97 14,120.94 6.48 15,361.44 5.12 16,266.79 3.74 16,794.28 2.18 17,564.73 3.18 18,068.95 2.08 18,655.45 2.42 18,971.48 1.31 20,164.05 4.93 21,439.54 5.27 22,396.54 3.95 23,456.03 4.38 24,211.58 3.12

CUM.

2.74 6.12 14.14 21.78 34.89 42.87 51.84 58.32 63.45 67.19 69.36 72.55 74.63 77.05 78.36 83.28 88.55 92.50 96.88 100.00

PERCENTAGE f

2 1 1 4 2 0 4 1 0 0 0 0 0 0 0 1 1 1 0 0 18

BAND

CUM.

2 3 4 8 10 10 14 15 15 15 15 15 15 15 15 16 17 18 18 18

11.11 5.56 5.56 22.22 11.11 0.00 22.22 5.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.56 5.56 5.56 0.00 0.00

11.11 16.67 22.22 44.44 55.56 55.56 77.78 83.33 83.33 83.33 83.33 83.33 83.33 83.33 83.33 88.89 94.44 100.00 100.00 100.00

PERCENTAGE rp

91.94 10.07 100.00 676.79 657.95 0.00 1,342.40 164.77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 981.50 10.22 2,764.78 0.00 0.00 6,800.42

91.94 102.01 202.01 878.81 1,536.76 1,536.76 2,879.15 3,043.93 3,043.93 3,043.93 3,043.93 3,043.93 3,043.93 3,043.93 3,043.93 4,025.43 4,035.64 6,800.42 6,800.42 6,800.42

PERCENTAGE

BAND

CUM.

BAND

1.35 0.15 1.47 9.95 9.68 0.00 19.74 2.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.43 0.15 40.66 0.00 0.00

1.35 1.50 2.97 12.92 22.60 22.60 42.34 44.76 44.76 44.76 44.76 44.76 44.76 44.76 44.76 59.19 59.34 100.00 100.00 100.00

13.87 1.23 5.15 36.58 20.73 0.00 61.83 10.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 82.30 0.80 288.90 0.00 0.00

CUM

13.87 6.88 5.90 16.67 18.19 14.80 22.94 21.56 19.82 18.71 18.12 17.33 16.85 16.32 16.04 19.96 18.82 30.36 28.99 28.09

28.09

Page 175 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 04

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

RIAU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

5,233 5,150 7,421 4,718 4,573 1,815 1,095 805 370 249 155 172 116 177 93 176 180 152 166 65 32,881

5,233 10,383 17,804 22,522 27,095 28,910 30,005 30,810 31,180 31,429 31,584 31,756 31,872 32,049 32,142 32,318 32,498 32,650 32,816 32,881

BAND

15.91 15.66 22.57 14.35 13.91 5.52 3.33 2.45 1.13 0.76 0.47 0.52 0.35 0.54 0.28 0.54 0.55 0.46 0.50 0.20

CUM.

15.91 31.58 54.15 68.50 82.40 87.92 91.25 93.70 94.83 95.58 96.06 96.58 96.93 97.47 97.75 98.29 98.84 99.30 99.80 100.00

PERCENTAGE rp

2,390.43 1,221.14 3,184.97 3,525.15 5,681.74 3,420.59 3,015.58 2,550.85 1,649.51 1,032.01 807.86 1,151.54 878.35 1,367.14 811.78 2,496.67 3,615.62 1,765.27 3,668.86 723.44 44,958.50

2,390.43 3,611.58 6,796.54 10,321.69 16,003.43 19,424.02 22,439.61 24,990.46 26,639.97 27,671.97 28,479.83 29,631.37 30,509.71 31,876.86 32,688.64 35,185.31 38,800.93 40,566.20 44,235.06 44,958.50

BAND

5.32 2.72 7.08 7.84 12.64 7.61 6.71 5.67 3.67 2.30 1.80 2.56 1.95 3.04 1.81 5.55 8.04 3.93 8.16 1.61

CUM.

5.32 8.03 15.12 22.96 35.60 43.20 49.91 55.59 59.25 61.55 63.35 65.91 67.86 70.90 72.71 78.26 86.30 90.23 98.39 100.00

PERCENTAGE f

7 1 4 2 3 4 4 4 1 2 0 1 0 0 1 0 3 2 0 0 39

7 8 12 14 17 21 25 29 30 32 32 33 33 33 34 34 37 39 39 39

BAND

17.95 2.56 10.26 5.13 7.69 10.26 10.26 10.26 2.56 5.13 0.00 2.56 0.00 0.00 2.56 0.00 7.69 5.13 0.00 0.00

CUM.

17.95 20.51 30.77 35.90 43.59 53.85 64.10 74.36 76.92 82.05 82.05 84.62 84.62 84.62 87.18 87.18 94.87 100.00 100.00 100.00

PERCENTAGE rp

501.51 100.60 151.56 403.82 364.91 417.94 935.79 191.27 23.00 566.80 0.00 11.28 0.00 0.00 39.35 0.00 2,307.06 159.89 0.00 0.00 6,174.78

501.51 602.11 753.67 1,157.49 1,522.39 1,940.33 2,876.13 3,067.40 3,090.40 3,657.20 3,657.20 3,668.48 3,668.48 3,668.48 3,707.83 3,707.83 6,014.89 6,174.78 6,174.78 6,174.78

BAND

8.12 1.63 2.45 6.54 5.91 6.77 15.16 3.10 0.37 9.18 0.00 0.18 0.00 0.00 0.64 0.00 37.36 2.59 0.00 0.00

CUM.

8.12 9.75 12.21 18.75 24.66 31.42 46.58 49.68 50.05 59.23 59.23 59.41 59.41 59.41 60.05 60.05 97.41 100.00 100.00 100.00

PERCENTAGE BAND

20.98 8.24 4.76 11.46 6.42 12.22 31.03 7.50 1.39 54.92 0.00 0.98 0.00 0.00 4.85 0.00 63.81 9.06 0.00 0.00

CUM

20.98 16.67 11.09 11.21 9.51 9.99 12.82 12.27 11.60 13.22 12.84 12.38 12.02 11.51 11.34 10.54 15.50 15.22 13.96 13.73

13.73

Page 176 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 05

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

JAMBI

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

2,109 2,612 3,033 1,690 1,486 589 344 265 134 88 40 58 44 52 39 41 57 42 39 10 12,772

2,109 4,721 7,754 9,444 10,930 11,519 11,863 12,128 12,262 12,350 12,390 12,448 12,492 12,544 12,583 12,624 12,681 12,723 12,762 12,772

BAND

16.51 20.45 23.75 13.23 11.63 4.61 2.69 2.07 1.05 0.69 0.31 0.45 0.34 0.41 0.31 0.32 0.45 0.33 0.31 0.08

CUM.

16.51 36.96 60.71 73.94 85.58 90.19 92.88 94.96 96.01 96.70 97.01 97.46 97.81 98.21 98.52 98.84 99.29 99.62 99.92 100.00

PERCENTAGE rp

441.37 741.81 1,650.51 1,453.16 1,931.50 1,356.56 860.36 905.49 728.16 327.75 195.16 367.03 276.26 455.74 774.71 661.57 466.83 893.15 921.39 69.72 15,478.24

441.37 1,183.18 2,833.69 4,286.85 6,218.36 7,574.92 8,435.27 9,340.76 10,068.92 10,396.67 10,591.83 10,958.86 11,235.12 11,690.86 12,465.57 13,127.14 13,593.97 14,487.13 15,408.51 15,478.24

BAND

2.85 4.79 10.66 9.39 12.48 8.76 5.56 5.85 4.70 2.12 1.26 2.37 1.78 2.94 5.01 4.27 3.02 5.77 5.95 0.45

CUM.

2.85 7.64 18.31 27.70 40.17 48.94 54.50 60.35 65.05 67.17 68.43 70.80 72.59 75.53 80.54 84.81 87.83 93.60 99.55 100.00

PERCENTAGE f

2 1 3 1 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9

2 3 6 7 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9

BAND

CUM.

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

22.22 33.33 66.67 77.78 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

75.42 63.00 330.26 73.80 379.83 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 922.31

75.42 138.42 468.68 542.48 922.31 922.31 922.31 922.31 922.31 922.31 922.31 922.31 922.31 922.31 922.31 922.31 922.31 922.31 922.31 922.31

BAND

8.18 6.83 35.81 8.00 41.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

8.18 15.01 50.82 58.82 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

17.09 8.49 20.01 5.08 19.66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

17.09 11.70 16.54 12.65 14.83 12.18 10.93 9.87 9.16 8.87 8.71 8.42 8.21 7.89 7.40 7.03 6.78 6.37 5.99 5.96

5.96

Page 177 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 06

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

SUMATERA SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

3,803 3,654 5,001 3,338 2,966 1,511 1,056 756 383 272 153 150 109 123 96 161 132 97 107 60 23,928

3,803 7,457 12,458 15,796 18,762 20,273 21,329 22,085 22,468 22,740 22,893 23,043 23,152 23,275 23,371 23,532 23,664 23,761 23,868 23,928

BAND

CUM.

15.89 15.89 15.27 31.16 20.90 52.06 13.95 66.01 12.40 78.41 6.31 84.73 4.41 89.14 3.16 92.30 1.60 93.90 1.14 95.04 0.64 95.67 0.63 96.30 0.46 96.76 0.51 97.27 0.40 97.67 0.67 98.35 0.55 98.90 0.41 99.30 0.45 99.75 0.25 100.00

PERCENTAGE rp

1,856.58 981.69 1,958.92 2,032.64 3,158.33 2,206.36 2,280.43 2,082.07 1,333.63 1,037.45 744.23 786.41 585.57 1,061.35 775.94 1,873.03 2,395.46 2,044.61 2,119.46 738.02 32,052.17

1,856.58 2,838.27 4,797.19 6,829.83 9,988.16 12,194.51 14,474.95 16,557.02 17,890.64 18,928.10 19,672.32 20,458.73 21,044.30 22,105.65 22,881.59 24,754.62 27,150.08 29,194.70 31,314.15 32,052.17

BAND

5.79 3.06 6.11 6.34 9.85 6.88 7.11 6.50 4.16 3.24 2.32 2.45 1.83 3.31 2.42 5.84 7.47 6.38 6.61 2.30

CUM.

5.79 8.86 14.97 21.31 31.16 38.05 45.16 51.66 55.82 59.05 61.38 63.83 65.66 68.97 71.39 77.23 84.71 91.08 97.70 100.00

PERCENTAGE f

2 1 2 2 2 0 0 2 2 1 0 0 1 1 1 0 5 1 22 1 46

2 3 5 7 9 9 9 11 13 14 14 14 15 16 17 17 22 23 45 46

BAND

CUM.

4.35 4.35 2.17 6.52 4.35 10.87 4.35 15.22 4.35 19.57 0.00 19.57 0.00 19.57 4.35 23.91 4.35 28.26 2.17 30.43 0.00 30.43 0.00 30.43 2.17 32.61 2.17 34.78 2.17 36.96 0.00 36.96 10.87 47.83 2.17 50.00 47.83 97.83 2.17 100.00

PERCENTAGE rp

86.81 2.45 375.48 76.48 549.73 0.00 0.00 90.28 241.53 208.95 0.00 0.00 50.00 2.68 4.80 0.00 5,111.60 100.00 729.81 0.00 7,630.60

86.81 89.25 464.74 541.22 1,090.95 1,090.95 1,090.95 1,181.23 1,422.76 1,631.72 1,631.72 1,631.72 1,681.72 1,684.40 1,689.20 1,689.20 6,800.79 6,900.79 7,630.60 7,630.60

PERCENTAGE

BAND

CUM.

BAND

1.14 0.03 4.92 1.00 7.20 0.00 0.00 1.18 3.17 2.74 0.00 0.00 0.66 0.04 0.06 0.00 66.99 1.31 9.56 0.00

1.14 1.17 6.09 7.09 14.30 14.30 14.30 15.48 18.65 21.38 21.38 21.38 22.04 22.07 22.14 22.14 89.13 90.44 100.00 100.00

4.68 0.25 19.17 3.76 17.41 0.00 0.00 4.34 18.11 20.14 0.00 0.00 8.54 0.25 0.62 0.00 213.39 4.89 34.43 0.00

CUM

4.68 3.14 9.69 7.92 10.92 8.95 7.54 7.13 7.95 8.62 8.29 7.98 7.99 7.62 7.38 6.82 25.05 23.64 24.37 23.81

23.81

Page 178 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 07

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

BENGKULU

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

25 1,370 75 1,571 150 1,633 250 896 400 669 625 285 875 144 1,250 91 1,750 53 2,250 27 2,750 21 3,500 34 4,500 22 6,250 20 8,750 12 15,000 16 35,000 27 75,000 13 300,000 6 4 6,914

1,370 2,941 4,574 5,470 6,139 6,424 6,568 6,659 6,712 6,739 6,760 6,794 6,816 6,836 6,848 6,864 6,891 6,904 6,910 6,914

BAND

CUM.

19.81 19.81 22.72 42.54 23.62 66.16 12.96 79.11 9.68 88.79 4.12 92.91 2.08 95.00 1.32 96.31 0.77 97.08 0.39 97.47 0.30 97.77 0.49 98.26 0.32 98.58 0.29 98.87 0.17 99.05 0.23 99.28 0.39 99.67 0.19 99.86 0.09 99.94 0.06 100.00

PERCENTAGE rp

359.13 378.02 751.04 583.65 831.65 453.57 362.12 228.57 187.40 130.96 122.35 292.90 108.02 111.00 280.64 183.43 390.92 210.04 112.59 27.83 6,105.84

359.13 737.15 1,488.19 2,071.85 2,903.50 3,357.07 3,719.19 3,947.76 4,135.17 4,266.12 4,388.48 4,681.38 4,789.40 4,900.40 5,181.03 5,364.46 5,755.38 5,965.42 6,078.01 6,105.84

BAND

5.88 6.19 12.30 9.56 13.62 7.43 5.93 3.74 3.07 2.14 2.00 4.80 1.77 1.82 4.60 3.00 6.40 3.44 1.84 0.46

CUM.

5.88 12.07 24.37 33.93 47.55 54.98 60.91 64.66 67.72 69.87 71.87 76.67 78.44 80.26 84.85 87.86 94.26 97.70 99.54 100.00

PERCENTAGE f

1 1 2 1 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 7

BAND

1 2 4 5 5 6 6 6 7 7 7 7 7 7 7 7 7 7 7 7

14.29 14.29 28.57 14.29 0.00 14.29 0.00 0.00 14.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE

CUM.

14.29 28.57 57.14 71.43 71.43 85.71 85.71 85.71 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

20.00 21.29 81.15 6.62 0.00 15.27 0.00 0.00 5.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

20.00 41.29 122.44 129.06 129.06 144.33 144.33 144.33 149.55 149.55 149.55 149.55 149.55 149.55 149.55 149.55 149.55 149.55 149.55 149.55

149.55

BAND

13.37 14.24 54.26 4.43 0.00 10.21 0.00 0.00 3.49 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

13.37 27.61 81.87 86.30 86.30 96.51 96.51 96.51 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

5.57 5.63 10.80 1.13 0.00 3.37 0.00 0.00 2.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

5.57 5.60 8.23 6.23 4.45 4.30 3.88 3.66 3.62 3.51 3.41 3.19 3.12 3.05 2.89 2.79 2.60 2.51 2.46 2.45

2.45

Page 179 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 08

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

LAMPUNG

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

2,334 3,110 3,581 2,186 2,112 1,049 692 534 339 165 155 149 140 198 125 201 242 109 106 47 17,574

2,334 5,444 9,025 11,211 13,323 14,372 15,064 15,598 15,937 16,102 16,257 16,406 16,546 16,744 16,869 17,070 17,312 17,421 17,527 17,574

BAND

CUM.

13.28 13.28 17.70 30.98 20.38 51.35 12.44 63.79 12.02 75.81 5.97 81.78 3.94 85.72 3.04 88.76 1.93 90.69 0.94 91.62 0.88 92.51 0.85 93.35 0.80 94.15 1.13 95.28 0.71 95.99 1.14 97.13 1.38 98.51 0.62 99.13 0.60 99.73 0.27 100.00

PERCENTAGE rp

2,170.07 654.69 1,224.17 1,183.33 2,044.06 1,528.47 1,360.53 1,416.56 1,199.85 652.75 681.67 830.96 932.11 1,483.82 1,315.87 2,518.49 3,237.95 1,683.73 1,188.39 435.62 27,743.09

2,170.07 2,824.75 4,048.93 5,232.25 7,276.31 8,804.78 10,165.31 11,581.87 12,781.72 13,434.47 14,116.15 14,947.10 15,879.22 17,363.03 18,678.90 21,197.39 24,435.34 26,119.07 27,307.46 27,743.09

BAND

7.82 2.36 4.41 4.27 7.37 5.51 4.90 5.11 4.32 2.35 2.46 3.00 3.36 5.35 4.74 9.08 11.67 6.07 4.28 1.57

CUM.

7.82 10.18 14.59 18.86 26.23 31.74 36.64 41.75 46.07 48.42 50.88 53.88 57.24 62.59 67.33 76.41 88.08 94.15 98.43 100.00

PERCENTAGE f

5 1 0 0 1 1 2 0 0 2 0 1 0 0 2 2 2 4 1 1 25

BAND

5 6 6 6 7 8 10 10 10 12 12 13 13 13 15 17 19 23 24 25

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

CUM.

20.00 24.00 24.00 24.00 28.00 32.00 40.00 40.00 40.00 48.00 48.00 52.00 52.00 52.00 60.00 68.00 76.00 92.00 96.00 100.00

PERCENTAGE rp

187.83 13.01 0.00 0.00 224.66 0.00 288.36 0.00 0.00 16.11 0.00 0.75 0.00 0.00 453.13 370.66 1,524.57 626.18 146.38 601.82 4,453.43

187.83 200.83 200.83 200.83 425.49 425.49 713.86 713.86 713.86 729.96 729.96 730.71 730.71 730.71 1,183.84 1,554.50 3,079.06 3,705.24 3,851.62 4,453.43

BAND

4.22 0.29 0.00 0.00 5.04 0.00 6.48 0.00 0.00 0.36 0.00 0.02 0.00 0.00 10.17 8.32 34.23 14.06 3.29 13.51

PERCENTAGE

CUM.

BAND

4.22 4.51 4.51 4.51 9.55 9.55 16.03 16.03 16.03 16.39 16.39 16.41 16.41 16.41 26.58 34.91 69.14 83.20 86.49 100.00

8.66 1.99 0.00 0.00 10.99 0.00 21.19 0.00 0.00 2.47 0.00 0.09 0.00 0.00 34.44 14.72 47.08 37.19 12.32 138.15

CUM

8.66 7.11 4.96 3.84 5.85 4.83 7.02 6.16 5.58 5.43 5.17 4.89 4.60 4.21 6.34 7.33 12.60 14.19 14.10 16.05

16.05

Page 180 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 09

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

DKI JAKARTA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

23,743 16,804 30,971 26,434 37,278 21,690 16,037 12,674 7,104 3,777 3,040 3,574 2,243 2,775 1,627 2,685 1,980 920 1,527 585 217,468

23,743 40,547 71,518 97,952 135,230 156,920 172,957 185,631 192,735 196,512 199,552 203,126 205,369 208,144 209,771 212,456 214,436 215,356 216,883 217,468

BAND

10.92 7.73 14.24 12.16 17.14 9.97 7.37 5.83 3.27 1.74 1.40 1.64 1.03 1.28 0.75 1.23 0.91 0.42 0.70 0.27

CUM.

10.92 18.65 32.89 45.04 62.18 72.16 79.53 85.36 88.63 90.36 91.76 93.41 94.44 95.71 96.46 97.70 98.61 99.03 99.73 100.00

PERCENTAGE rp

19,628.09 4,847.07 9,715.09 11,936.60 29,623.45 21,122.47 22,554.93 24,300.14 18,648.86 12,244.52 12,657.23 16,491.14 12,940.09 17,947.82 13,095.21 29,927.60 34,205.68 18,770.21 33,094.44 133,772.55 497,523.21

19,628.09 24,475.17 34,190.26 46,126.86 75,750.31 96,872.78 119,427.71 143,727.85 162,376.71 174,621.23 187,278.47 203,769.60 216,709.70 234,657.52 247,752.73 277,680.34 311,886.01 330,656.22 363,750.66 497,523.21

BAND

CUM.

3.95 3.95 0.97 4.92 1.95 6.87 2.40 9.27 5.95 15.23 4.25 19.47 4.53 24.00 4.88 28.89 3.75 32.64 2.46 35.10 2.54 37.64 3.31 40.96 2.60 43.56 3.61 47.17 2.63 49.80 6.02 55.81 6.88 62.69 3.77 66.46 6.65 73.11 26.89 100.00

PERCENTAGE f

BAND

CUM.

PERCENTAGE rp

63 19 35 21 50 18 25 29 35 13 12 18 32 17 12 39 37 33 67 57

63 9.97 9.97 10,016.57 82 3.01 12.97 367.71 117 5.54 18.51 3,050.86 138 3.32 21.84 1,201.71 188 7.91 29.75 3,627.78 206 2.85 32.59 2,289.88 231 3.96 36.55 1,475.62 260 4.59 41.14 4,574.16 295 5.54 46.68 3,245.76 308 2.06 48.73 168.39 320 1.90 50.63 627.00 338 2.85 53.48 5,787.31 370 5.06 58.54 431.61 387 2.69 61.23 6,179.30 399 1.90 63.13 1,255.14 438 6.17 69.30 17,893.11 475 5.85 75.16 557.31 508 5.22 80.38 2,927.18 575 10.60 90.98 29,129.26 632 9.02 100.00 167,538.73

632

262,344.40

10,016.57 10,384.28 13,435.15 14,636.86 18,264.63 20,554.52 22,030.14 26,604.30 29,850.05 30,018.45 30,645.45 36,432.76 36,864.36 43,043.67 44,298.81 62,191.92 62,749.23 65,676.40 94,805.66 262,344.40

BAND

3.82 0.14 1.16 0.46 1.38 0.87 0.56 1.74 1.24 0.06 0.24 2.21 0.16 2.36 0.48 6.82 0.21 1.12 11.10 63.86

CUM.

3.82 3.96 5.12 5.58 6.96 7.83 8.40 10.14 11.38 11.44 11.68 13.89 14.05 16.41 16.89 23.71 23.92 25.03 36.14 100.00

PERCENTAGE BAND

51.03 7.59 31.40 10.07 12.25 10.84 6.54 18.82 17.40 1.38 4.95 35.09 3.34 34.43 9.58 59.79 1.63 15.59 88.02 125.24

CUM

51.03 42.43 39.30 31.73 24.11 21.22 18.45 18.51 18.38 17.19 16.36 17.88 17.01 18.34 17.88 22.40 20.12 19.86 26.06 52.73

52.73

Page 181 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 10

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

JAWA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

29,014 26,921 28,511 16,927 17,584 9,696 6,150 5,138 2,849 1,691 1,307 1,711 1,198 1,759 1,177 2,259 2,022 1,044 1,524 485 158,967

29,014 55,935 84,446 101,373 118,957 128,653 134,803 139,941 142,790 144,481 145,788 147,499 148,697 150,456 151,633 153,892 155,914 156,958 158,482 158,967

BAND

CUM.

18.25 18.25 16.93 35.19 17.94 53.12 10.65 63.77 11.06 74.83 6.10 80.93 3.87 84.80 3.23 88.03 1.79 89.82 1.06 90.89 0.82 91.71 1.08 92.79 0.75 93.54 1.11 94.65 0.74 95.39 1.42 96.81 1.27 98.08 0.66 98.74 0.96 99.69 0.31 100.00

PERCENTAGE rp

15,298.68 6,143.24 10,511.28 9,658.88 14,918.16 10,842.87 10,793.28 11,474.78 8,124.34 6,113.05 5,446.88 8,191.28 6,870.08 12,802.13 10,140.20 25,138.45 30,676.85 19,666.84 26,399.46 23,454.56 272,665.27

15,298.68 21,441.91 31,953.19 41,612.07 56,530.23 67,373.10 78,166.38 89,641.16 97,765.50 103,878.55 109,325.42 117,516.71 124,386.79 137,188.92 147,329.12 172,467.56 203,144.41 222,811.24 249,210.71 272,665.27

BAND

5.61 2.25 3.86 3.54 5.47 3.98 3.96 4.21 2.98 2.24 2.00 3.00 2.52 4.70 3.72 9.22 11.25 7.21 9.68 8.60

CUM.

5.61 7.86 11.72 15.26 20.73 24.71 28.67 32.88 35.86 38.10 40.10 43.10 45.62 50.31 54.03 63.25 74.50 81.72 91.40 100.00

PERCENTAGE f

45 8 31 13 26 23 8 14 10 8 3 10 2 6 6 33 27 29 41 97 440

45 53 84 97 123 146 154 168 178 186 189 199 201 207 213 246 273 302 343 440

BAND

10.23 1.82 7.05 2.95 5.91 5.23 1.82 3.18 2.27 1.82 0.68 2.27 0.45 1.36 1.36 7.50 6.14 6.59 9.32 22.05

CUM.

10.23 12.05 19.09 22.05 27.95 33.18 35.00 38.18 40.45 42.27 42.95 45.23 45.68 47.05 48.41 55.91 62.05 68.64 77.95 100.00

PERCENTAGE rp

12,827.20 138.76 3,036.16 1,030.85 1,544.31 1,433.09 17.38 2,115.28 620.26 570.96 59.28 2,671.62 35.81 462.42 894.51 24,455.95 100,540.39 86,901.55 2,803.56 89,109.71 331,269.06

12,827.20 12,965.97 16,002.12 17,032.98 18,577.29 20,010.39 20,027.76 22,143.04 22,763.30 23,334.26 23,393.54 26,065.16 26,100.97 26,563.39 27,457.90 51,913.85 152,454.24 239,355.79 242,159.35 331,269.06

BAND

CUM.

3.87 3.87 0.04 3.91 0.92 4.83 0.31 5.14 0.47 5.61 0.43 6.04 0.01 6.05 0.64 6.68 0.19 6.87 0.17 7.04 0.02 7.06 0.81 7.87 0.01 7.88 0.14 8.02 0.27 8.29 7.38 15.67 30.35 46.02 26.23 72.25 0.85 73.10 26.90 100.00

PERCENTAGE BAND

CUM.

83.85 2.26 28.88 10.67 10.35 13.22 0.16 18.43 7.63 9.34 1.09 32.62 0.52 3.61 8.82 97.29 327.74 441.87 10.62 379.92

83.85 60.47 50.08 40.93 32.86 29.70 25.62 24.70 23.28 22.46 21.40 22.18 20.98 19.36 18.64 30.10 75.05 107.43 97.17 121.49

121.49

Page 182 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 11

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

JAWA TENGAH

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

20,836 15,670 14,385 7,083 7,444 4,325 2,980 2,540 1,450 895 702 909 539 709 467 803 682 356 319 174 83,268

20,836 36,506 50,891 57,974 65,418 69,743 72,723 75,263 76,713 77,608 78,310 79,219 79,758 80,467 80,934 81,737 82,419 82,775 83,094 83,268

BAND

25.02 18.82 17.28 8.51 8.94 5.19 3.58 3.05 1.74 1.07 0.84 1.09 0.65 0.85 0.56 0.96 0.82 0.43 0.38 0.21

CUM.

25.02 43.84 61.12 69.62 78.56 83.76 87.34 90.39 92.13 93.20 94.05 95.14 95.78 96.64 97.20 98.16 98.98 99.41 99.79 100.00

PERCENTAGE rp

6,394.59 2,987.04 4,729.64 4,139.91 6,893.06 5,765.83 5,096.29 6,175.07 4,313.29 3,229.79 3,027.83 4,596.63 3,476.64 5,500.46 4,234.33 10,532.62 9,489.97 5,796.05 4,754.17 1,701.76 102,834.99

6,394.59 9,381.63 14,111.28 18,251.19 25,144.25 30,910.08 36,006.37 42,181.44 46,494.73 49,724.52 52,752.35 57,348.98 60,825.62 66,326.08 70,560.41 81,093.04 90,583.01 96,379.06 101,133.23 102,834.99

BAND

6.22 2.90 4.60 4.03 6.70 5.61 4.96 6.00 4.19 3.14 2.94 4.47 3.38 5.35 4.12 10.24 9.23 5.64 4.62 1.65

PERCENTAGE

CUM.

6.22 9.12 13.72 17.75 24.45 30.06 35.01 41.02 45.21 48.35 51.30 55.77 59.15 64.50 68.62 78.86 88.09 93.72 98.35 100.00

29 5 7 8 14 4 7 13 5 3 6 5 8 9 12 16 22 11 19 5

29 13.94 13.94 34 2.40 16.35 41 3.37 19.71 49 3.85 23.56 63 6.73 30.29 67 1.92 32.21 74 3.37 35.58 87 6.25 41.83 92 2.40 44.23 95 1.44 45.67 101 2.88 48.56 106 2.40 50.96 114 3.85 54.81 123 4.33 59.13 135 5.77 64.90 151 7.69 72.60 173 10.58 83.17 184 5.29 88.46 203 9.13 97.60 208 2.40 100.00

208

BAND

CUM.

PERCENTAGE rp

1,539.93 372.59 392.25 443.99 1,629.39 71.91 315.06 2,487.86 102.14 140.87 1,094.39 29.33 3,811.89 751.74 2,050.70 7,629.87 18,120.25 85.25 1,642.68 2,990.15 45,702.24

1,539.93 1,912.52 2,304.77 2,748.76 4,378.15 4,450.06 4,765.13 7,252.99 7,355.12 7,495.99 8,590.38 8,619.71 12,431.60 13,183.34 15,234.04 22,863.91 40,984.16 41,069.41 42,712.09 45,702.24

BAND

3.37 0.82 0.86 0.97 3.57 0.16 0.69 5.44 0.22 0.31 2.39 0.06 8.34 1.64 4.49 16.69 39.65 0.19 3.59 6.54

PERCENTAGE

CUM.

BAND

3.37 4.18 5.04 6.01 9.58 9.74 10.43 15.87 16.09 16.40 18.80 18.86 27.20 28.85 33.33 50.03 89.68 89.86 93.46 100.00

24.08 12.47 8.29 10.72 23.64 1.25 6.18 40.29 2.37 4.36 36.14 0.64 109.64 13.67 48.43 72.44 190.94 1.47 34.55 175.71

CUM

24.08 20.39 16.33 15.06 17.41 14.40 13.23 17.19 15.82 15.08 16.28 15.03 20.44 19.88 21.59 28.19 45.24 42.61 42.23 44.44

44.44

Page 183 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 12

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

DI YOGYAKARTA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

2,056 1,866 1,951 1,175 1,168 711 544 361 224 158 115 99 73 107 64 107 90 31 17 8 10,925

2,056 3,922 5,873 7,048 8,216 8,927 9,471 9,832 10,056 10,214 10,329 10,428 10,501 10,608 10,672 10,779 10,869 10,900 10,917 10,925

BAND

18.82 17.08 17.86 10.76 10.69 6.51 4.98 3.30 2.05 1.45 1.05 0.91 0.67 0.98 0.59 0.98 0.82 0.28 0.16 0.07

CUM.

18.82 35.90 53.76 64.51 75.20 81.71 86.69 90.00 92.05 93.49 94.54 95.45 96.12 97.10 97.68 98.66 99.49 99.77 99.93 100.00

PERCENTAGE rp

573.85 253.09 562.72 542.99 896.02 780.37 1,280.55 738.65 532.90 506.22 384.38 514.81 372.77 684.45 468.30 1,011.78 1,940.30 539.34 379.10 92.49 13,055.07

573.85 826.94 1,389.65 1,932.64 2,828.66 3,609.02 4,889.58 5,628.23 6,161.13 6,667.35 7,051.73 7,566.54 7,939.31 8,623.76 9,092.06 10,103.84 12,044.14 12,583.48 12,962.58 13,055.07

BAND

CUM.

4.40 4.40 1.94 6.33 4.31 10.64 4.16 14.80 6.86 21.67 5.98 27.64 9.81 37.45 5.66 43.11 4.08 47.19 3.88 51.07 2.94 54.02 3.94 57.96 2.86 60.81 5.24 66.06 3.59 69.64 7.75 77.39 14.86 92.26 4.13 96.39 2.90 99.29 0.71 100.00

PERCENTAGE f

2 0 0 1 2 0 2 3 0 0 2 0 0 1 0 1 0 0 0 0 14

2 2 2 3 5 5 7 10 10 10 12 12 12 13 13 14 14 14 14 14

BAND

14.29 0.00 0.00 7.14 14.29 0.00 14.29 21.43 0.00 0.00 14.29 0.00 0.00 7.14 0.00 7.14 0.00 0.00 0.00 0.00

CUM.

14.29 14.29 14.29 21.43 35.71 35.71 50.00 71.43 71.43 71.43 85.71 85.71 85.71 92.86 92.86 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

113.55 0.00 0.00 2.15 9.93 0.00 29.72 866.63 0.00 0.00 3.26 0.00 0.00 677.35 0.00 335.11 0.00 0.00 0.00 0.00 2,037.69

113.55 113.55 113.55 115.70 125.63 125.63 155.35 1,021.98 1,021.98 1,021.98 1,025.24 1,025.24 1,025.24 1,702.58 1,702.58 2,037.69 2,037.69 2,037.69 2,037.69 2,037.69

BAND

5.57 0.00 0.00 0.11 0.49 0.00 1.46 42.53 0.00 0.00 0.16 0.00 0.00 33.24 0.00 16.45 0.00 0.00 0.00 0.00

PERCENTAGE

CUM.

BAND

5.57 5.57 5.57 5.68 6.17 6.17 7.62 50.15 50.15 50.15 50.31 50.31 50.31 83.55 83.55 100.00 100.00 100.00 100.00 100.00

19.79 0.00 0.00 0.40 1.11 0.00 2.32 117.33 0.00 0.00 0.85 0.00 0.00 98.96 0.00 33.12 0.00 0.00 0.00 0.00

CUM

19.79 13.73 8.17 5.99 4.44 3.48 3.18 18.16 16.59 15.33 14.54 13.55 12.91 19.74 18.73 20.17 16.92 16.19 15.72 15.61

15.61

Page 184 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 13

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

JAWA TIMUR

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

16,934 15,735 17,973 10,808 12,654 7,834 5,527 4,873 2,960 1,700 1,326 1,490 1,093 1,463 909 1,618 1,472 599 716 308 107,992

16,934 32,669 50,642 61,450 74,104 81,938 87,465 92,338 95,298 96,998 98,324 99,814 100,907 102,370 103,279 104,897 106,369 106,968 107,684 107,992

BAND

15.68 14.57 16.64 10.01 11.72 7.25 5.12 4.51 2.74 1.57 1.23 1.38 1.01 1.35 0.84 1.50 1.36 0.55 0.66 0.29

CUM.

15.68 30.25 46.89 56.90 68.62 75.87 80.99 85.50 88.25 89.82 91.05 92.43 93.44 94.79 95.64 97.13 98.50 99.05 99.71 100.00

PERCENTAGE rp

10,270.00 3,129.40 5,849.47 5,941.13 10,324.81 8,883.10 8,781.73 12,058.35 8,188.70 5,449.67 6,147.80 7,758.20 6,219.77 10,833.39 8,457.45 21,264.00 21,627.24 10,069.22 9,023.26 4,970.10 185,246.78

10,270.00 13,399.40 19,248.87 25,190.00 35,514.81 44,397.91 53,179.63 65,237.98 73,426.68 78,876.35 85,024.14 92,782.34 99,002.11 109,835.50 118,292.95 139,556.95 161,184.19 171,253.42 180,276.68 185,246.78

BAND

5.54 1.69 3.16 3.21 5.57 4.80 4.74 6.51 4.42 2.94 3.32 4.19 3.36 5.85 4.57 11.48 11.67 5.44 4.87 2.68

CUM.

5.54 7.23 10.39 13.60 19.17 23.97 28.71 35.22 39.64 42.58 45.90 50.09 53.44 59.29 63.86 75.34 87.01 92.45 97.32 100.00

PERCENTAGE f

17 4 2 4 7 9 5 4 4 6 13 6 10 11 6 16 31 14 14 8 191

17 21 23 27 34 43 48 52 56 62 75 81 91 102 108 124 155 169 183 191

BAND

8.90 2.09 1.05 2.09 3.66 4.71 2.62 2.09 2.09 3.14 6.81 3.14 5.24 5.76 3.14 8.38 16.23 7.33 7.33 4.19

CUM.

8.90 10.99 12.04 14.14 17.80 22.51 25.13 27.23 29.32 32.46 39.27 42.41 47.64 53.40 56.54 64.92 81.15 88.48 95.81 100.00

PERCENTAGE rp

3,463.79 234.71 20.06 160.88 368.63 691.67 25.85 1,959.00 1,608.56 3,463.96 5,993.44 4,943.20 13,480.98 14,441.16 539.70 19,530.05 14,789.81 3,243.49 2,825.39 1,504.91 93,289.26

3,463.79 3,698.50 3,718.57 3,879.45 4,248.08 4,939.75 4,965.59 6,924.59 8,533.15 11,997.12 17,990.56 22,933.76 36,414.74 50,855.90 51,395.61 70,925.66 85,715.47 88,958.97 91,784.35 93,289.26

BAND

CUM.

3.71 3.71 0.25 3.96 0.02 3.99 0.17 4.16 0.40 4.55 0.74 5.30 0.03 5.32 2.10 7.42 1.72 9.15 3.71 12.86 6.42 19.28 5.30 24.58 14.45 39.03 15.48 54.51 0.58 55.09 20.93 76.03 15.85 91.88 3.48 95.36 3.03 98.39 1.61 100.00

PERCENTAGE BAND

CUM

33.73 7.50 0.34 2.71 3.57 7.79 0.29 16.25 19.64 63.56 97.49 63.72 216.74 133.30 6.38 91.85 68.39 32.21 31.31 30.28

33.73 27.60 19.32 15.40 11.96 11.13 9.34 10.61 11.62 15.21 21.16 24.72 36.78 46.30 43.45 50.82 53.18 51.95 50.91 50.36

50.36

Page 185 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 14

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

KALIMANTAN BARAT

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

5,110 8,006 7,954 2,788 2,268 812 550 357 180 124 95 91 53 89 31 89 74 48 38 6 28,763

5,110 13,116 21,070 23,858 26,126 26,938 27,488 27,845 28,025 28,149 28,244 28,335 28,388 28,477 28,508 28,597 28,671 28,719 28,757 28,763

BAND

CUM.

17.77 17.77 27.83 45.60 27.65 73.25 9.69 82.95 7.89 90.83 2.82 93.66 1.91 95.57 1.24 96.81 0.63 97.43 0.43 97.87 0.33 98.20 0.32 98.51 0.18 98.70 0.31 99.01 0.11 99.11 0.31 99.42 0.26 99.68 0.17 99.85 0.13 99.98 0.02 100.00

PERCENTAGE rp

2,810.34 4,038.13 7,980.77 4,527.41 5,253.05 2,482.28 2,083.62 1,519.81 952.67 627.52 676.25 672.14 463.40 949.86 372.09 2,106.18 1,140.08 397.24 1,005.45 123.93 40,182.25

2,810.34 6,848.47 14,829.25 19,356.66 24,609.71 27,091.99 29,175.62 30,695.43 31,648.10 32,275.62 32,951.87 33,624.01 34,087.42 35,037.27 35,409.37 37,515.54 38,655.62 39,052.87 40,058.32 40,182.25

BAND

6.99 10.05 19.86 11.27 13.07 6.18 5.19 3.78 2.37 1.56 1.68 1.67 1.15 2.36 0.93 5.24 2.84 0.99 2.50 0.31

PERCENTAGE

CUM.

6.99 17.04 36.90 48.17 61.25 67.42 72.61 76.39 78.76 80.32 82.01 83.68 84.83 87.20 88.12 93.36 96.20 97.19 99.69 100.00

5 14 18 3 5 1 2 1 0 1 0 1 0 0 0 0 0 0 1 0

5 9.62 19 26.92 37 34.62 40 5.77 45 9.62 46 1.92 48 3.85 49 1.92 49 0.00 50 1.92 50 0.00 51 1.92 51 0.00 51 0.00 51 0.00 51 0.00 51 0.00 51 0.00 52 1.92 52 0.00

BAND

CUM.

9.62 36.54 71.15 76.92 86.54 88.46 92.31 94.23 94.23 96.15 96.15 98.08 98.08 98.08 98.08 98.08 98.08 98.08 100.00 100.00

PERCENTAGE rp

2,752.77 830.99 2,181.26 525.68 1,232.56 328.48 816.59 9.16 0.00 1,899.39 0.00 3,645.00 0.00 0.00 0.00 0.00 0.00 0.00 2.81 0.00 14,224.70

2,752.77 3,583.76 5,765.02 6,290.71 7,523.27 7,851.75 8,668.34 8,677.50 8,677.50 10,576.89 10,576.89 14,221.89 14,221.89 14,221.89 14,221.89 14,221.89 14,221.89 14,221.89 14,224.70 14,224.70

BAND

19.35 5.84 15.33 3.70 8.66 2.31 5.74 0.06 0.00 13.35 0.00 25.62 0.00 0.00 0.00 0.00 0.00 0.00 0.02 0.00

PERCENTAGE

CUM.

BAND

19.35 25.19 40.53 44.22 52.89 55.20 60.94 61.00 61.00 74.36 74.36 99.98 99.98 99.98 99.98 99.98 99.98 99.98 100.00 100.00

97.95 20.58 27.33 11.61 23.46 13.23 39.19 0.60 0.00 302.68 0.00 542.29 0.00 0.00 0.00 0.00 0.00 0.00 0.28 0.00

CUM

97.95 52.33 38.88 32.50 30.57 28.98 29.71 28.27 27.42 32.77 32.10 42.30 41.72 40.59 40.16 37.91 36.79 36.42 35.51 35.40

35.40

Page 186 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 15

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2008

15/09/2009

KALIMANTAN TENGAH

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,675 1,859 1,474 689 759 331 200 170 95 45 33 37 21 27 15 44 37 29 19 12 7,571

1,675 3,534 5,008 5,697 6,456 6,787 6,987 7,157 7,252 7,297 7,330 7,367 7,388 7,415 7,430 7,474 7,511 7,540 7,559 7,571

BAND

CUM.

22.12 22.12 24.55 46.68 19.47 66.15 9.10 75.25 10.03 85.27 4.37 89.64 2.64 92.29 2.25 94.53 1.25 95.79 0.59 96.38 0.44 96.82 0.49 97.31 0.28 97.58 0.36 97.94 0.20 98.14 0.58 98.72 0.49 99.21 0.38 99.59 0.25 99.84 0.16 100.00

PERCENTAGE rp

534.01 659.95 1,047.89 721.08 1,304.62 835.06 616.31 704.48 513.79 228.29 173.43 260.32 149.47 231.43 232.94 768.76 960.26 634.67 489.17 102.10 11,168.04

BAND

534.01 4.78 1,193.96 5.91 2,241.85 9.38 2,962.94 6.46 4,267.56 11.68 5,102.62 7.48 5,718.93 5.52 6,423.41 6.31 6,937.20 4.60 7,165.49 2.04 7,338.92 1.55 7,599.24 2.33 7,748.71 1.34 7,980.14 2.07 8,213.08 2.09 8,981.84 6.88 9,942.10 8.60 10,576.77 5.68 11,065.94 4.38 11,168.04 0.91

CUM.

PERCENTAGE f

4.78 10 10.69 1 20.07 1 26.53 1 38.21 1 45.69 0 51.21 1 57.52 1 62.12 1 64.16 0 65.71 0 68.04 0 69.38 0 71.46 0 73.54 2 80.42 1 89.02 11 94.71 3 99.09 1 100.00 5 40

10 11 12 13 14 14 15 16 17 17 17 17 17 17 19 20 31 34 35 40

BAND

25.00 2.50 2.50 2.50 2.50 0.00 2.50 2.50 2.50 0.00 0.00 0.00 0.00 0.00 5.00 2.50 27.50 7.50 2.50 12.50

CUM.

25.00 27.50 30.00 32.50 35.00 35.00 37.50 40.00 42.50 42.50 42.50 42.50 42.50 42.50 47.50 50.00 77.50 85.00 87.50 100.00

PERCENTAGE rp

157.32 85.00 60.85 103.23 0.00 0.00 150.00 3.82 54.05 0.00 0.00 0.00 0.00 0.00 97.77 110.00 211.48 378.76 16.81 10,760.03 12,189.12

157.32 242.32 303.17 406.40 406.40 406.40 556.40 560.22 614.27 614.27 614.27 614.27 614.27 614.27 712.04 822.04 1,033.52 1,412.28 1,429.09 12,189.12

BAND

1.29 0.70 0.50 0.85 0.00 0.00 1.23 0.03 0.44 0.00 0.00 0.00 0.00 0.00 0.80 0.90 1.73 3.11 0.14 88.28

CUM.

PERCENTAGE BAND

CUM

1.29 29.46 29.46 1.99 12.88 20.30 2.49 5.81 13.52 3.33 14.32 13.72 3.33 0.00 9.52 3.33 0.00 7.96 4.56 24.34 9.73 4.60 0.54 8.72 5.04 10.52 8.85 5.04 0.00 8.57 5.04 0.00 8.37 5.04 0.00 8.08 5.04 0.00 7.93 5.04 0.00 7.70 5.84 41.97 8.67 6.74 14.31 9.15 8.48 22.02 10.40 11.59 59.68 13.35 11.72 3.44 12.91 100.00 10538.74 109.14 109.14

Page 187 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 16

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

KALIMANTAN SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

2,532 2,701 3,222 1,632 1,549 856 472 416 207 143 91 126 65 85 68 99 61 54 55 30 14,464

2,532 5,233 8,455 10,087 11,636 12,492 12,964 13,380 13,587 13,730 13,821 13,947 14,012 14,097 14,165 14,264 14,325 14,379 14,434 14,464

BAND

17.51 18.67 22.28 11.28 10.71 5.92 3.26 2.88 1.43 0.99 0.63 0.87 0.45 0.59 0.47 0.68 0.42 0.37 0.38 0.21

CUM.

17.51 36.18 58.46 69.74 80.45 86.37 89.63 92.51 93.94 94.93 95.55 96.43 96.88 97.46 97.93 98.62 99.04 99.41 99.79 100.00

PERCENTAGE rp

863.74 742.52 1,376.06 1,075.83 1,715.78 1,427.55 1,068.41 1,160.18 826.07 739.72 407.62 737.47 458.93 1,272.95 523.50 1,615.07 1,131.77 598.86 962.62 469.17 19,173.82

863.74 1,606.26 2,982.32 4,058.15 5,773.92 7,201.48 8,269.89 9,430.07 10,256.14 10,995.86 11,403.47 12,140.94 12,599.87 13,872.82 14,396.32 16,011.39 17,143.16 17,742.02 18,704.64 19,173.82

BAND

4.50 3.87 7.18 5.61 8.95 7.45 5.57 6.05 4.31 3.86 2.13 3.85 2.39 6.64 2.73 8.42 5.90 3.12 5.02 2.45

CUM.

4.50 8.38 15.55 21.17 30.11 37.56 43.13 49.18 53.49 57.35 59.47 63.32 65.71 72.35 75.08 83.51 89.41 92.53 97.55 100.00

PERCENTAGE f

2 2 4 0 2 0 0 0 0 0 1 0 1 0 0 0 1 1 4 0 18

BAND

CUM.

2 4 8 8 10 10 10 10 10 10 11 11 12 12 12 12 13 14 18 18

11.11 11.11 22.22 0.00 11.11 0.00 0.00 0.00 0.00 0.00 5.56 0.00 5.56 0.00 0.00 0.00 5.56 5.56 22.22 0.00

11.11 22.22 44.44 44.44 55.56 55.56 55.56 55.56 55.56 55.56 61.11 61.11 66.67 66.67 66.67 66.67 72.22 77.78 100.00 100.00

PERCENTAGE rp

195.03 76.79 384.48 0.00 398.85 0.00 0.00 0.00 0.00 0.00 50.00 0.00 4,636.60 0.00 0.00 0.00 201.72 441.23 1,012.57 0.00 7,397.26

195.03 271.81 656.29 656.29 1,055.14 1,055.14 1,055.14 1,055.14 1,055.14 1,055.14 1,105.14 1,105.14 5,741.74 5,741.74 5,741.74 5,741.74 5,943.46 6,384.69 7,397.26 7,397.26

BAND

2.64 1.04 5.20 0.00 5.39 0.00 0.00 0.00 0.00 0.00 0.68 0.00 62.68 0.00 0.00 0.00 2.73 5.96 13.69 0.00

CUM.

2.64 3.67 8.87 8.87 14.26 14.26 14.26 14.26 14.26 14.26 14.94 14.94 77.62 77.62 77.62 77.62 80.35 86.31 100.00 100.00

PERCENTAGE BAND

22.58 10.34 27.94 0.00 23.25 0.00 0.00 0.00 0.00 0.00 12.27 0.00 1010.31 0.00 0.00 0.00 17.82 73.68 105.19 0.00

CUM

22.58 16.92 22.01 16.17 18.27 14.65 12.76 11.19 10.29 9.60 9.69 9.10 45.57 41.39 39.88 35.86 34.67 35.99 39.55 38.58

38.58

Page 188 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 17

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

KALIMANTAN TIMUR

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

2,818 3,048 4,365 2,877 3,387 1,727 1,240 923 505 220 194 203 133 192 103 162 138 61 75 57 22,428

2,818 5,866 10,231 13,108 16,495 18,222 19,462 20,385 20,890 21,110 21,304 21,507 21,640 21,832 21,935 22,097 22,235 22,296 22,371 22,428

BAND

12.56 13.59 19.46 12.83 15.10 7.70 5.53 4.12 2.25 0.98 0.86 0.91 0.59 0.86 0.46 0.72 0.62 0.27 0.33 0.25

CUM.

12.56 26.15 45.62 58.44 73.55 81.25 86.78 90.89 93.14 94.12 94.99 95.89 96.49 97.34 97.80 98.52 99.14 99.41 99.75 100.00

PERCENTAGE rp

1,843.85 1,175.46 2,375.18 2,590.01 4,384.91 3,884.52 4,036.70 3,572.12 2,834.52 1,131.10 1,275.10 1,642.27 1,266.12 1,809.63 1,149.45 2,741.17 3,072.18 1,931.25 4,579.82 13,495.36 60,790.71

1,843.85 3,019.31 5,394.49 7,984.49 12,369.40 16,253.92 20,290.61 23,862.73 26,697.25 27,828.36 29,103.46 30,745.73 32,011.85 33,821.48 34,970.93 37,712.10 40,784.27 42,715.53 47,295.35 60,790.71

BAND

3.03 1.93 3.91 4.26 7.21 6.39 6.64 5.88 4.66 1.86 2.10 2.70 2.08 2.98 1.89 4.51 5.05 3.18 7.53 22.20

CUM.

3.03 4.97 8.87 13.13 20.35 26.74 33.38 39.25 43.92 45.78 47.87 50.58 52.66 55.64 57.53 62.04 67.09 70.27 77.80 100.00

PERCENTAGE f

5 5 6 2 2 5 2 0 4 1 0 0 0 0 1 0 4 0 8 3 48

BAND

CUM.

5 10 16 18 20 25 27 27 31 32 32 32 32 32 33 33 37 37 45 48

10.42 10.42 12.50 4.17 4.17 10.42 4.17 0.00 8.33 2.08 0.00 0.00 0.00 0.00 2.08 0.00 8.33 0.00 16.67 6.25

10.42 20.83 33.33 37.50 41.67 52.08 56.25 56.25 64.58 66.67 66.67 66.67 66.67 66.67 68.75 68.75 77.08 77.08 93.75 100.00

PERCENTAGE rp

348.85 188.65 520.85 208.26 30.38 232.38 192.19 0.00 157.26 12.03 0.00 0.00 0.00 0.00 33.52 0.00 84.89 0.00 1,181.22 81.37 3,271.85

348.85 537.50 1,058.36 1,266.62 1,296.99 1,529.37 1,721.56 1,721.56 1,878.82 1,890.85 1,890.85 1,890.85 1,890.85 1,890.85 1,924.37 1,924.37 2,009.26 2,009.26 3,190.48 3,271.85

BAND

10.66 5.77 15.92 6.37 0.93 7.10 5.87 0.00 4.81 0.37 0.00 0.00 0.00 0.00 1.02 0.00 2.59 0.00 36.10 2.49

PERCENTAGE

CUM.

BAND

10.66 16.43 32.35 38.71 39.64 46.74 52.62 52.62 57.42 57.79 57.79 57.79 57.79 57.79 58.82 58.82 61.41 61.41 97.51 100.00

18.92 16.05 21.93 8.04 0.69 5.98 4.76 0.00 5.55 1.06 0.00 0.00 0.00 0.00 2.92 0.00 2.76 0.00 25.79 0.60

CUM

18.92 17.80 19.62 15.86 10.49 9.41 8.48 7.21 7.04 6.79 6.50 6.15 5.91 5.59 5.50 5.10 4.93 4.70 6.75 5.38

5.38

Page 189 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 18

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

SULAWESI UTARA

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,298 1,551 2,300 1,334 1,446 850 643 592 305 160 117 156 70 133 88 73 60 19 33 8 11,236

1,298 2,849 5,149 6,483 7,929 8,779 9,422 10,014 10,319 10,479 10,596 10,752 10,822 10,955 11,043 11,116 11,176 11,195 11,228 11,236

BAND

11.55 13.80 20.47 11.87 12.87 7.56 5.72 5.27 2.71 1.42 1.04 1.39 0.62 1.18 0.78 0.65 0.53 0.17 0.29 0.07

CUM.

PERCENTAGE rp

11.55 11,032.00 25.36 375.53 45.83 897.87 57.70 807.12 70.57 1,439.28 78.13 1,264.56 83.86 1,370.69 89.12 1,852.56 91.84 1,426.35 93.26 820.46 94.30 659.38 95.69 946.61 96.32 516.69 97.50 1,191.00 98.28 869.25 98.93 825.38 99.47 937.95 99.64 160.69 99.93 204.60 100.00 97.75 27,695.71

11,032.00 11,407.53 12,305.39 13,112.51 14,551.79 15,816.35 17,187.05 19,039.61 20,465.96 21,286.42 21,945.80 22,892.41 23,409.10 24,600.10 25,469.35 26,294.73 27,232.67 27,393.36 27,597.96 27,695.71

BAND

39.83 1.36 3.24 2.91 5.20 4.57 4.95 6.69 5.15 2.96 2.38 3.42 1.87 4.30 3.14 2.98 3.39 0.58 0.74 0.35

CUM.

39.83 41.19 44.43 47.34 52.54 57.11 62.06 68.75 73.90 76.86 79.24 82.66 84.52 88.82 91.96 94.94 98.33 98.91 99.65 100.00

PERCENTAGE f

2 0 2 1 1 0 0 0 0 1 0 1 0 0 0 0 0 1 0 0 9

2 2 4 5 6 6 6 6 6 7 7 8 8 8 8 8 8 9 9 9

BAND

CUM.

22.22 0.00 22.22 11.11 11.11 0.00 0.00 0.00 0.00 11.11 0.00 11.11 0.00 0.00 0.00 0.00 0.00 11.11 0.00 0.00

22.22 22.22 44.44 55.56 66.67 66.67 66.67 66.67 66.67 77.78 77.78 88.89 88.89 88.89 88.89 88.89 88.89 100.00 100.00 100.00

PERCENTAGE rp

1,594.03 0.00 47.57 178.58 52.13 0.00 0.00 0.00 0.00 191.63 0.00 16.52 0.00 0.00 0.00 0.00 0.00 8.61 0.00 0.00 2,089.07

1,594.03 1,594.03 1,641.60 1,820.18 1,872.31 1,872.31 1,872.31 1,872.31 1,872.31 2,063.94 2,063.94 2,080.46 2,080.46 2,080.46 2,080.46 2,080.46 2,080.46 2,089.07 2,089.07 2,089.07

BAND

76.30 0.00 2.28 8.55 2.50 0.00 0.00 0.00 0.00 9.17 0.00 0.79 0.00 0.00 0.00 0.00 0.00 0.41 0.00 0.00

PERCENTAGE

CUM.

BAND

76.30 76.30 78.58 87.13 89.62 89.62 89.62 89.62 89.62 98.80 98.80 99.59 99.59 99.59 99.59 99.59 99.59 100.00 100.00 100.00

14.45 0.00 5.30 22.13 3.62 0.00 0.00 0.00 0.00 23.36 0.00 1.74 0.00 0.00 0.00 0.00 0.00 5.36 0.00 0.00

CUM

14.45 13.97 13.34 13.88 12.87 11.84 10.89 9.83 9.15 9.70 9.40 9.09 8.89 8.46 8.17 7.91 7.64 7.63 7.57 7.54

7.54

Page 190 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 19

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

SULAWESI TENGAH

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

1,463 1,019 1,169 717 760 410 273 280 139 73 63 64 37 63 33 30 33 12 15 2 6,655

1,463 2,482 3,651 4,368 5,128 5,538 5,811 6,091 6,230 6,303 6,366 6,430 6,467 6,530 6,563 6,593 6,626 6,638 6,653 6,655

BAND

CUM.

21.98 21.98 15.31 37.30 17.57 54.86 10.77 65.63 11.42 77.05 6.16 83.22 4.10 87.32 4.21 91.53 2.09 93.61 1.10 94.71 0.95 95.66 0.96 96.62 0.56 97.18 0.95 98.12 0.50 98.62 0.45 99.07 0.50 99.56 0.18 99.74 0.23 99.97 0.03 100.00

PERCENTAGE rp

272.22 346.62 639.63 669.00 1,159.56 967.90 921.70 1,280.19 927.88 452.00 381.61 470.79 405.93 565.13 390.32 898.58 333.35 120.23 164.66 9.30 11,376.62

BAND

272.22 2.39 618.84 3.05 1,258.48 5.62 1,927.48 5.88 3,087.03 10.19 4,054.94 8.51 4,976.64 8.10 6,256.83 11.25 7,184.70 8.16 7,636.71 3.97 8,018.32 3.35 8,489.11 4.14 8,895.04 3.57 9,460.17 4.97 9,850.49 3.43 10,749.08 7.90 11,082.43 2.93 11,202.66 1.06 11,367.32 1.45 11,376.62 0.08

CUM.

2.39 5.44 11.06 16.94 27.13 35.64 43.74 55.00 63.15 67.13 70.48 74.62 78.19 83.15 86.59 94.48 97.41 98.47 99.92 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

BAND

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

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 191 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

SULAWESI SELATAN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

4,751 5,417 6,140 3,407 3,377 1,760 1,038 899 465 285 219 234 171 201 150 154 109 60 62 20 28,919

4,751 10,168 16,308 19,715 23,092 24,852 25,890 26,789 27,254 27,539 27,758 27,992 28,163 28,364 28,514 28,668 28,777 28,837 28,899 28,919

BAND

CUM.

16.43 16.43 18.73 35.16 21.23 56.39 11.78 68.17 11.68 79.85 6.09 85.94 3.59 89.53 3.11 92.63 1.61 94.24 0.99 95.23 0.76 95.99 0.81 96.79 0.59 97.39 0.70 98.08 0.52 98.60 0.53 99.13 0.38 99.51 0.21 99.72 0.21 99.93 0.07 100.00

PERCENTAGE rp

1,145.22 1,225.66 2,691.22 2,951.72 4,921.62 3,416.77 2,448.53 2,866.96 1,951.69 1,251.08 1,284.14 1,389.77 1,192.62 1,421.07 1,334.24 2,049.14 1,608.42 1,538.77 1,228.19 2,273.38 40,190.24

1,145.22 2,370.88 5,062.10 8,013.82 12,935.45 16,352.22 18,800.75 21,667.71 23,619.41 24,870.49 26,154.63 27,544.40 28,737.02 30,158.09 31,492.33 33,541.47 35,149.89 36,688.66 37,916.86 40,190.24

BAND

2.85 3.05 6.70 7.34 12.25 8.50 6.09 7.13 4.86 3.11 3.20 3.46 2.97 3.54 3.32 5.10 4.00 3.83 3.06 5.66

CUM.

2.85 5.90 12.60 19.94 32.19 40.69 46.78 53.91 58.77 61.88 65.08 68.54 71.50 75.04 78.36 83.46 87.46 91.29 94.34 100.00

PERCENTAGE f

1 1 3 0 1 2 1 1 1 1 1 0 0 0 1 0 1 0 1 0 16

1 2 5 5 6 8 9 10 11 12 13 13 13 13 14 14 15 15 16 16

BAND

CUM.

6.25 6.25 6.25 12.50 18.75 31.25 0.00 31.25 6.25 37.50 12.50 50.00 6.25 56.25 6.25 62.50 6.25 68.75 6.25 75.00 6.25 81.25 0.00 81.25 0.00 81.25 0.00 81.25 6.25 87.50 0.00 87.50 6.25 93.75 0.00 93.75 6.25 100.00 0.00 100.00

PERCENTAGE rp

20.00 99.81 30.39 0.00 18.99 106.67 78.18 51.96 30.00 -4.89 250.00 0.00 0.00 0.00 4.62 0.00 76.58 0.00 981.99 0.00 1,744.30

20.00 119.81 150.20 150.20 169.18 275.85 354.03 405.99 435.99 431.10 681.10 681.10 681.10 681.10 685.72 685.72 762.30 762.30 1,744.30 1,744.30

BAND

CUM.

1.15 1.15 5.72 6.87 1.74 8.61 0.00 8.61 1.09 9.70 6.12 15.81 4.48 20.30 2.98 23.28 1.72 25.00 -0.28 24.71 14.33 39.05 0.00 39.05 0.00 39.05 0.00 39.05 0.27 39.31 0.00 39.31 4.39 43.70 0.00 43.70 56.30 100.00 0.00 100.00

PERCENTAGE BAND

CUM

1.75 8.14 1.13 0.00 0.39 3.12 3.19 1.81 1.54 -0.39 19.47 0.00 0.00 0.00 0.35 0.00 4.76 0.00 79.95 0.00

1.75 5.05 2.97 1.87 1.31 1.69 1.88 1.87 1.85 1.73 2.60 2.47 2.37 2.26 2.18 2.04 2.17 2.08 4.60 4.34

4.34

Page 192 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 21

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

SULAWESI TENGGARA

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

656 817 1,015 570 596 325 217 179 79 38 14 27 33 23 3 21 15 3 1 1 4,633

656 1,473 2,488 3,058 3,654 3,979 4,196 4,375 4,454 4,492 4,506 4,533 4,566 4,589 4,592 4,613 4,628 4,631 4,632 4,633

BAND

CUM.

14.16 14.16 17.63 31.79 21.91 53.70 12.30 66.00 12.86 78.87 7.01 85.88 4.68 90.57 3.86 94.43 1.71 96.14 0.82 96.96 0.30 97.26 0.58 97.84 0.71 98.55 0.50 99.05 0.06 99.12 0.45 99.57 0.32 99.89 0.06 99.96 0.02 99.98 0.02 100.00

PERCENTAGE rp

129.90 145.98 406.82 469.89 856.01 714.82 627.69 656.12 406.78 162.67 97.13 234.78 167.42 118.72 43.94 161.85 267.64 49.60 1.27 75.10 5,794.13

129.90 275.88 682.70 1,152.58 2,008.59 2,723.41 3,351.10 4,007.22 4,414.00 4,576.67 4,673.80 4,908.59 5,076.01 5,194.72 5,238.67 5,400.52 5,668.16 5,717.76 5,719.03 5,794.13

BAND

2.24 2.52 7.02 8.11 14.77 12.34 10.83 11.32 7.02 2.81 1.68 4.05 2.89 2.05 0.76 2.79 4.62 0.86 0.02 1.30

CUM.

2.24 4.76 11.78 19.89 34.67 47.00 57.84 69.16 76.18 78.99 80.66 84.72 87.61 89.65 90.41 93.21 97.83 98.68 98.70 100.00

PERCENTAGE f

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

BAND

0 2 4 5 6 6 6 6 6 7 7 8 8 8 8 8 8 8 8 8

0.00 25.00 25.00 12.50 12.50 0.00 0.00 0.00 0.00 12.50 0.00 12.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

0.00 25.00 50.00 62.50 75.00 75.00 75.00 75.00 75.00 87.50 87.50 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 153.23 306.60 179.05 8.88 0.00 0.00 0.00 0.00 98.00 0.00 3,650.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4,395.76

0.00 153.23 459.82 638.88 647.76 647.76 647.76 647.76 647.76 745.76 745.76 4,395.76 4,395.76 4,395.76 4,395.76 4,395.76 4,395.76 4,395.76 4,395.76 4,395.76

BAND

0.00 3.49 6.97 4.07 0.20 0.00 0.00 0.00 0.00 2.23 0.00 83.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

PERCENTAGE BAND

0.00 0.00 3.49 104.97 10.46 75.36 14.53 38.11 14.74 1.04 14.74 0.00 14.74 0.00 14.74 0.00 14.74 0.00 16.97 60.24 16.97 0.00 100.0 1554.62 100.0 0.00 100.0 0.00 100.0 0.00 100.0 0.00 100.0 0.00 100.0 0.00 100.0 0.00 100.0 0.00

CUM

0.00 55.54 67.35 55.43 32.25 23.78 19.33 16.16 14.68 16.29 15.96 89.55 86.60 84.62 83.91 81.40 77.55 76.88 76.86 75.87

75.87

Page 193 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 22

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

BALI

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

3,267 3,004 3,401 2,431 2,711 1,703 1,528 1,353 909 501 387 453 257 340 176 296 215 75 81 42 23,130

3,267 6,271 9,672 12,103 14,814 16,517 18,045 19,398 20,307 20,808 21,195 21,648 21,905 22,245 22,421 22,717 22,932 23,007 23,088 23,130

BAND

CUM.

14.12 14.12 12.99 27.11 14.70 41.82 10.51 52.33 11.72 64.05 7.36 71.41 6.61 78.02 5.85 83.87 3.93 87.80 2.17 89.96 1.67 91.63 1.96 93.59 1.11 94.70 1.47 96.17 0.76 96.93 1.28 98.21 0.93 99.14 0.32 99.47 0.35 99.82 0.18 100.00

PERCENTAGE rp

1,783.07 844.82 1,119.83 1,331.78 2,434.69 2,349.68 2,821.69 3,094.48 2,630.33 1,828.80 1,494.22 2,347.63 1,568.66 2,646.66 1,732.68 3,501.71 2,749.81 1,128.17 1,076.09 1,490.56 39,975.36

1,783.07 2,627.90 3,747.72 5,079.50 7,514.19 9,863.87 12,685.56 15,780.03 18,410.36 20,239.16 21,733.38 24,081.01 25,649.66 28,296.32 30,029.01 33,530.72 36,280.53 37,408.70 38,484.79 39,975.36

BAND

4.46 2.11 2.80 3.33 6.09 5.88 7.06 7.74 6.58 4.57 3.74 5.87 3.92 6.62 4.33 8.76 6.88 2.82 2.69 3.73

CUM.

4.46 6.57 9.38 12.71 18.80 24.67 31.73 39.47 46.05 50.63 54.37 60.24 64.16 70.78 75.12 83.88 90.76 93.58 96.27 100.00

PERCENTAGE f

2 0 1 3 0 1 5 2 5 5 1 7 2 4 0 4 7 1 6 4 60

2 2 3 6 6 7 12 14 19 24 25 32 34 38 38 42 49 50 56 60

BAND

CUM.

3.33 3.33 0.00 3.33 1.67 5.00 5.00 10.00 0.00 10.00 1.67 11.67 8.33 20.00 3.33 23.33 8.33 31.67 8.33 40.00 1.67 41.67 11.67 53.33 3.33 56.67 6.67 63.33 0.00 63.33 6.67 70.00 11.67 81.67 1.67 83.33 10.00 93.33 6.67 100.00

PERCENTAGE rp

32.54 0.00 -4.48 100.02 0.00 275.06 1,386.55 150.19 436.58 71.90 15.00 621.80 3.36 1.25 0.00 142.44 259.88 30.00 1,770.53 313.41 5,606.04

32.54 32.54 28.07 128.09 128.09 403.15 1,789.70 1,939.89 2,376.47 2,448.37 2,463.37 3,085.17 3,088.54 3,089.78 3,089.78 3,232.22 3,492.10 3,522.10 5,292.63 5,606.04

BAND

0.58 0.00 -0.08 1.78 0.00 4.91 24.73 2.68 7.79 1.28 0.27 11.09 0.06 0.02 0.00 2.54 4.64 0.54 31.58 5.59

PERCENTAGE

CUM.

BAND

0.58 0.58 0.50 2.28 2.28 7.19 31.92 34.60 42.39 43.67 43.94 55.03 55.09 55.12 55.12 57.66 62.29 62.83 94.41 100.00

1.83 0.00 -0.4 7.51 0.00 11.71 49.14 4.85 16.60 3.93 1.00 26.49 0.21 0.05 0.00 4.07 9.45 2.66 164.53 21.03

CUM

1.83 1.24 0.75 2.52 1.70 4.09 14.11 12.29 12.91 12.10 11.33 12.81 12.04 10.92 10.29 9.64 9.63 9.42 13.75 14.02

14.02

Page 194 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 23

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

NUSA TEGGARA BARAT

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

1,072 1,322 1,428 760 644 372 220 195 103 39 51 55 38 40 14 28 10 10 7 2 6,410

1,072 2,394 3,822 4,582 5,226 5,598 5,818 6,013 6,116 6,155 6,206 6,261 6,299 6,339 6,353 6,381 6,391 6,401 6,408 6,410

BAND

CUM.

16.72 16.72 20.62 37.35 22.28 59.63 11.86 71.48 10.05 81.53 5.80 87.33 3.43 90.76 3.04 93.81 1.61 95.41 0.61 96.02 0.80 96.82 0.86 97.68 0.59 98.27 0.62 98.89 0.22 99.11 0.44 99.55 0.16 99.70 0.16 99.86 0.11 99.97 0.03 100.00

PERCENTAGE rp

274.53 333.22 727.27 621.84 868.14 739.89 613.44 539.62 401.40 165.57 308.79 333.69 392.04 392.28 132.20 890.80 104.40 86.83 74.83 20.21 8,020.99

274.53 607.76 1,335.02 1,956.86 2,825.01 3,564.89 4,178.33 4,717.95 5,119.35 5,284.92 5,593.71 5,927.40 6,319.44 6,711.72 6,843.92 7,734.72 7,839.12 7,925.95 8,000.78 8,020.99

BAND

3.42 4.15 9.07 7.75 10.82 9.22 7.65 6.73 5.00 2.06 3.85 4.16 4.89 4.89 1.65 11.11 1.30 1.08 0.93 0.25

PERCENTAGE

CUM.

3.42 7.58 16.64 24.40 35.22 44.44 52.09 58.82 63.82 65.89 69.74 73.90 78.79 83.68 85.33 96.43 97.73 98.82 99.75 100.00

0 1 1 0 0 5 2 0 4 0 0 0 0 0 0 79 0 0 0 0 92

BAND

CUM.

0 0.00 0.00 1 1.09 1.09 2 1.09 2.17 2 0.00 2.17 2 0.00 2.17 7 5.43 7.61 9 2.17 9.78 9 0.00 9.78 13 4.35 14.13 13 0.00 14.13 13 0.00 14.13 13 0.00 14.13 13 0.00 14.13 13 0.00 14.13 13 0.00 14.13 92 85.87 100.00 92 0.00 100.00 92 0.00 100.00 92 0.00 100.00 92 0.00 100.00

PERCENTAGE rp

0.00 7.56 92.27 0.00 0.00 24.31 14.02 0.00 44.43 0.00 0.00 0.00 0.00 0.00 0.00 353.71 0.00 0.00 0.00 0.00 536.29

0.00 7.56 99.83 99.83 99.83 124.13 138.15 138.15 182.58 182.58 182.58 182.58 182.58 182.58 182.58 536.29 536.29 536.29 536.29 536.29

BAND

0.00 1.41 17.20 0.00 0.00 4.53 2.61 0.00 8.28 0.00 0.00 0.00 0.00 0.00 0.00 65.95 0.00 0.00 0.00 0.00

CUM.

0.00 1.41 18.61 18.61 18.61 23.15 25.76 25.76 34.05 34.05 34.05 34.05 34.05 34.05 34.05 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 2.27 12.69 0.00 0.00 3.29 2.28 0.00 11.07 0.00 0.00 0.00 0.00 0.00 0.00 39.71 0.00 0.00 0.00 0.00

CUM

0.00 1.24 7.48 5.10 3.53 3.48 3.31 2.93 3.57 3.45 3.26 3.08 2.89 2.72 2.67 6.93 6.84 6.77 6.70 6.69

6.69

Page 195 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 24

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

NUSA TEGGARA TIMUR

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

695 806 1,003 571 618 441 247 199 111 60 41 36 19 36 7 9 10 3 1 1 4,914

695 1,501 2,504 3,075 3,693 4,134 4,381 4,580 4,691 4,751 4,792 4,828 4,847 4,883 4,890 4,899 4,909 4,912 4,913 4,914

BAND

CUM.

14.14 14.14 16.40 30.55 20.41 50.96 11.62 62.58 12.58 75.15 8.97 84.13 5.03 89.15 4.05 93.20 2.26 95.46 1.22 96.68 0.83 97.52 0.73 98.25 0.39 98.64 0.73 99.37 0.14 99.51 0.18 99.69 0.20 99.90 0.06 99.96 0.02 99.98 0.02 100.00

PERCENTAGE rp

124.57 231.60 522.88 537.40 1,040.63 1,001.05 819.46 857.39 611.79 345.56 231.72 311.31 155.25 205.13 36.83 72.55 124.47 391.08 -1.39 -0.53 7,618.75

124.57 356.17 879.05 1,416.45 2,457.08 3,458.13 4,277.59 5,134.98 5,746.77 6,092.33 6,324.05 6,635.36 6,790.61 6,995.74 7,032.57 7,105.12 7,229.59 7,620.67 7,619.28 7,618.75

BAND

1.64 3.04 6.86 7.05 13.66 13.14 10.76 11.25 8.03 4.54 3.04 4.09 2.04 2.69 0.48 0.95 1.63 5.13 -0.02 -0.01

CUM.

1.64 4.67 11.54 18.59 32.25 45.39 56.15 67.40 75.43 79.96 83.01 87.09 89.13 91.82 92.31 93.26 94.89 100.03 100.01 100.00

PERCENTAGE f

BAND

CUM.

PERCENTAGE rp

0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 1 100.0 100.00 216.30 1 0.00 100.00 0.00 1 0.00 100.00 0.00 1 0.00 100.00 0.00 1 0.00 100.00 0.00 1 0.00 100.00 0.00 1 0.00 100.00 0.00 1 0.00 100.00 0.00 1 0.00 100.00 0.00 1 0.00 100.00 0.00 1 0.00 100.00 0.00 1 0.00 100.00 0.00 1 0.00 100.00 0.00 1 0.00 100.00 0.00 1 0.00 100.00 0.00 1 0.00 100.00 0.00

216.30

BAND

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 216.30 100.00 100.00 216.30 0.00 100.00 216.30 0.00 100.00 216.30 0.00 100.00 216.30 0.00 100.00 216.30 0.00 100.00 216.30 0.00 100.00 216.30 0.00 100.00 216.30 0.00 100.00 216.30 0.00 100.00 216.30 0.00 100.00 216.30 0.00 100.00 216.30 0.00 100.00 216.30 0.00 100.00 216.30 0.00 100.00 216.30 0.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 20.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 8.80 6.25 5.06 4.21 3.76 3.55 3.42 3.26 3.19 3.09 3.08 3.04 2.99 2.84 2.84 2.84

2.84

Page 196 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 25

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

MALUKU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

168 294 299 181 213 115 110 95 40 26 23 16 14 17 11 21 10 1 1 2 1,657

168 462 761 942 1,155 1,270 1,380 1,475 1,515 1,541 1,564 1,580 1,594 1,611 1,622 1,643 1,653 1,654 1,655 1,657

BAND

CUM.

10.14 10.14 17.74 27.88 18.04 45.93 10.92 56.85 12.85 69.70 6.94 76.64 6.64 83.28 5.73 89.02 2.41 91.43 1.57 93.00 1.39 94.39 0.97 95.35 0.84 96.20 1.03 97.22 0.66 97.89 1.27 99.16 0.60 99.76 0.06 99.82 0.06 99.88 0.12 100.00

PERCENTAGE rp

44.63 73.51 183.05 160.05 374.40 265.62 394.52 436.39 225.99 151.24 147.75 100.24 176.24 184.46 98.65 177.48 90.65 11.45 16.21 13.33 3,325.88

44.63 118.14 301.19 461.24 835.65 1,101.27 1,495.78 1,932.18 2,158.17 2,309.40 2,457.16 2,557.40 2,733.64 2,918.10 3,016.75 3,194.23 3,284.89 3,296.33 3,312.55 3,325.88

BAND

1.34 2.21 5.50 4.81 11.26 7.99 11.86 13.12 6.79 4.55 4.44 3.01 5.30 5.55 2.97 5.34 2.73 0.34 0.49 0.40

CUM.

1.34 3.55 9.06 13.87 25.13 33.11 44.97 58.10 64.89 69.44 73.88 76.89 82.19 87.74 90.71 96.04 98.77 99.11 99.60 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

BAND

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

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 197 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 26

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

IRIAN JAYA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

571 608 943 688 742 439 300 259 156 85 59 73 37 60 24 32 22 5 9 0 5,112

571 1,179 2,122 2,810 3,552 3,991 4,291 4,550 4,706 4,791 4,850 4,923 4,960 5,020 5,044 5,076 5,098 5,103 5,112 5,112

BAND

CUM.

11.17 11.17 11.89 23.06 18.45 41.51 13.46 54.97 14.51 69.48 8.59 78.07 5.87 83.94 5.07 89.01 3.05 92.06 1.66 93.72 1.15 94.87 1.43 96.30 0.72 97.03 1.17 98.20 0.47 98.67 0.63 99.30 0.43 99.73 0.10 99.82 0.18 100.00 0.00 100.00

PERCENTAGE rp

188.49 166.77 429.61 589.21 1,089.78 1,117.76 1,116.46 1,318.79 957.50 667.40 484.06 614.84 483.65 750.87 431.80 305.78 240.50 98.54 166.72 0.00 11,218.50

188.49 355.26 784.87 1,374.07 2,463.85 3,581.61 4,698.06 6,016.85 6,974.35 7,641.75 8,125.81 8,740.65 9,224.30 9,975.17 10,406.97 10,712.75 10,953.24 11,051.78 11,218.50 11,218.50

BAND

1.68 1.49 3.83 5.25 9.71 9.96 9.95 11.76 8.54 5.95 4.31 5.48 4.31 6.69 3.85 2.73 2.14 0.88 1.49 0.00

CUM.

1.68 3.17 7.00 12.25 21.96 31.93 41.88 53.63 62.17 68.12 72.43 77.91 82.22 88.92 92.77 95.49 97.64 98.51 100.00 100.00

PERCENTAGE f

1 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3

BAND

1 1 2 2 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3

33.33 0.00 33.33 0.00 33.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE

CUM.

33.33 33.33 66.67 66.67 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

20.52 0.00 2.00 0.00 38.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 60.58

20.52 20.52 22.52 22.52 60.58 60.58 60.58 60.58 60.58 60.58 60.58 60.58 60.58 60.58 60.58 60.58 60.58 60.58 60.58 60.58

BAND

33.87 0.00 3.30 0.00 62.83 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

33.87 33.87 37.17 37.17 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

10.89 0.00 0.47 0.00 3.49 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

10.89 5.78 2.87 1.64 2.46 1.69 1.29 1.01 0.87 0.79 0.75 0.69 0.66 0.61 0.58 0.57 0.55 0.55 0.54 0.54

0.54

Page 198 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

MALUKU UTARA

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

124 162 209 84 127 100 92 93 61 34 7 18 15 15 3 4 1 1 7 0 1,157

124 286 495 579 706 806 898 991 1,052 1,086 1,093 1,111 1,126 1,141 1,144 1,148 1,149 1,150 1,157 1,157

BAND

CUM.

10.72 10.72 14.00 24.72 18.06 42.78 7.26 50.04 10.98 61.02 8.64 69.66 7.95 77.61 8.04 85.65 5.27 90.92 2.94 93.86 0.61 94.47 1.56 96.02 1.30 97.32 1.30 98.62 0.26 98.88 0.35 99.22 0.09 99.31 0.09 99.39 0.61 100.00 0.00 100.00

PERCENTAGE rp

26.16 36.02 111.94 90.11 211.47 251.74 343.87 463.32 436.04 269.85 71.96 172.76 150.31 206.11 72.21 69.22 2.88 18.78 317.25 0.00 3,321.99

26.16 62.17 174.11 264.22 475.69 727.43 1,071.31 1,534.63 1,970.66 2,240.52 2,312.47 2,485.23 2,635.54 2,841.65 2,913.85 2,983.07 2,985.95 3,004.73 3,321.99 3,321.99

BAND

0.79 1.08 3.37 2.71 6.37 7.58 10.35 13.95 13.13 8.12 2.17 5.20 4.52 6.20 2.17 2.08 0.09 0.57 9.55 0.00

CUM.

0.79 1.87 5.24 7.95 14.32 21.90 32.25 46.20 59.32 67.45 69.61 74.81 79.34 85.54 87.71 89.80 89.88 90.45 100.00 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1

BAND

0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 0 0.00 1 100.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00

PERCENTAGE

CUM.

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 36.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 36.62

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 36.62 100.00 100.00 36.62 0.00 100.00 36.62 0.00 100.00 36.62 0.00 100.00 36.62 0.00 100.00 36.62 0.00 100.00 36.62 0.00 100.00 36.62 0.00 100.00 36.62 0.00 100.00 36.62 0.00 100.00 36.62 0.00 100.00 36.62 0.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.40 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.86 1.63 1.58 1.47 1.39 1.29 1.26 1.23 1.23 1.22 1.10 1.10

1.10

Page 199 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 28

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

IRIAN JAYA BARAT

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

247 343 494 228 228 149 109 60 66 22 24 20 14 18 12 15 7 3 2 3 2,064

247 590 1,084 1,312 1,540 1,689 1,798 1,858 1,924 1,946 1,970 1,990 2,004 2,022 2,034 2,049 2,056 2,059 2,061 2,064

BAND

CUM.

11.97 11.97 16.62 28.59 23.93 52.52 11.05 63.57 11.05 74.61 7.22 81.83 5.28 87.11 2.91 90.02 3.20 93.22 1.07 94.28 1.16 95.45 0.97 96.41 0.68 97.09 0.87 97.97 0.58 98.55 0.73 99.27 0.34 99.61 0.15 99.76 0.10 99.85 0.15 100.00

PERCENTAGE rp

145.05 57.38 159.37 147.46 331.49 377.74 344.88 269.72 329.51 142.68 197.11 155.50 146.06 118.74 161.29 282.01 123.97 42.00 19.21 4.32 3,555.50

145.05 202.44 361.81 509.27 840.75 1,218.49 1,563.38 1,833.09 2,162.60 2,305.28 2,502.39 2,657.89 2,803.95 2,922.68 3,083.98 3,365.99 3,489.96 3,531.96 3,551.18 3,555.50

BAND

4.08 1.61 4.48 4.15 9.32 10.62 9.70 7.59 9.27 4.01 5.54 4.37 4.11 3.34 4.54 7.93 3.49 1.18 0.54 0.12

CUM.

4.08 5.69 10.18 14.32 23.65 34.27 43.97 51.56 60.82 64.84 70.38 74.75 78.86 82.20 86.74 94.67 98.16 99.34 99.88 100.00

PERCENTAGE f

1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1

BAND

1 100.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00 1 0.00

CUM.

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

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 200 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 29

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

BANTEN

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

6,730 7,396 10,374 7,122 7,431 3,644 2,253 1,817 1,076 664 582 693 544 773 483 899 805 380 499 174 54,339

6,730 14,126 24,500 31,622 39,053 42,697 44,950 46,767 47,843 48,507 49,089 49,782 50,326 51,099 51,582 52,481 53,286 53,666 54,165 54,339

BAND

CUM.

12.39 12.39 13.61 26.00 19.09 45.09 13.11 58.19 13.68 71.87 6.71 78.58 4.15 82.72 3.34 86.07 1.98 88.05 1.22 89.27 1.07 90.34 1.28 91.61 1.00 92.61 1.42 94.04 0.89 94.93 1.65 96.58 1.48 98.06 0.70 98.76 0.92 99.68 0.32 100.00

PERCENTAGE rp

7,525.83 1,610.48 3,390.11 3,812.46 5,651.38 4,508.31 3,741.48 4,196.52 3,393.16 2,504.26 2,511.33 3,663.53 3,454.95 6,005.12 5,023.01 11,429.90 15,043.87 6,554.94 6,086.09 5,317.20 105,423.92

7,525.83 9,136.31 12,526.42 16,338.88 21,990.26 26,498.57 30,240.05 34,436.56 37,829.72 40,333.98 42,845.30 46,508.84 49,963.78 55,968.91 60,991.92 72,421.82 87,465.69 94,020.63 100,106.72 105,423.92

BAND

7.14 1.53 3.22 3.62 5.36 4.28 3.55 3.98 3.22 2.38 2.38 3.48 3.28 5.70 4.76 10.84 14.27 6.22 5.77 5.04

PERCENTAGE

CUM.

7.14 8.67 11.88 15.50 20.86 25.14 28.68 32.66 35.88 38.26 40.64 44.12 47.39 53.09 57.85 68.70 82.97 89.18 94.96 100.00

14 5 9 7 7 7 8 4 3 4 5 5 6 10 7 15 11 5 9 3

14 19 28 35 42 49 57 61 64 68 73 78 84 94 101 116 127 132 141 144

144

BAND

9.72 3.47 6.25 4.86 4.86 4.86 5.56 2.78 2.08 2.78 3.47 3.47 4.17 6.94 4.86 10.42 7.64 3.47 6.25 2.08

CUM.

9.72 13.19 19.44 24.31 29.17 34.03 39.58 42.36 44.44 47.22 50.69 54.17 58.33 65.28 70.14 80.56 88.19 91.67 97.92 100.00

PERCENTAGE rp

3,658.76 50.90 288.38 403.38 180.83 734.18 2,644.85 304.61 1,169.76 336.47 587.44 1,374.37 682.58 1,745.80 559.35 16,798.76 43,206.16 124.15 1,328.67 1,069.32 77,248.70

3,658.76 3,709.65 3,998.03 4,401.40 4,582.23 5,316.41 7,961.26 8,265.87 9,435.63 9,772.10 10,359.54 11,733.91 12,416.49 14,162.29 14,721.63 31,520.39 74,726.55 74,850.71 76,179.38 77,248.70

BAND

4.74 0.07 0.37 0.52 0.23 0.95 3.42 0.39 1.51 0.44 0.76 1.78 0.88 2.26 0.72 21.75 55.93 0.16 1.72 1.38

PERCENTAGE

CUM.

BAND

4.74 4.80 5.18 5.70 5.93 6.88 10.31 10.70 12.21 12.65 13.41 15.19 16.07 18.33 19.06 40.80 96.74 96.90 98.62 100.00

48.62 3.16 8.51 10.58 3.20 16.29 70.69 7.26 34.47 13.44 23.39 37.51 19.76 29.07 11.14 146.97 287.20 1.89 21.83 20.11

CUM

48.62 40.60 31.92 26.94 20.84 20.06 26.33 24.00 24.94 24.23 24.18 25.23 24.85 25.30 24.14 43.52 85.44 79.61 76.10 73.27

73.27

Page 201 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 30

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

BANGKA BELITUNG

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

293 327 401 284 345 265 170 132 63 38 24 24 28 34 15 18 18 13 17 13 2,522

293 620 1,021 1,305 1,650 1,915 2,085 2,217 2,280 2,318 2,342 2,366 2,394 2,428 2,443 2,461 2,479 2,492 2,509 2,522

BAND

CUM.

11.62 11.62 12.97 24.58 15.90 40.48 11.26 51.74 13.68 65.42 10.51 75.93 6.74 82.67 5.23 87.91 2.50 90.40 1.51 91.91 0.95 92.86 0.95 93.81 1.11 94.92 1.35 96.27 0.59 96.87 0.71 97.58 0.71 98.30 0.52 98.81 0.67 99.48 0.52 100.00

PERCENTAGE rp

227.54 70.88 156.14 183.24 400.85 512.75 372.61 353.24 266.08 162.69 155.58 122.70 147.22 237.62 107.52 223.54 195.06 181.69 354.06 68.98 4,499.98

227.54 298.42 454.56 637.80 1,038.65 1,551.40 1,924.01 2,277.25 2,543.32 2,706.01 2,861.59 2,984.29 3,131.51 3,369.13 3,476.66 3,700.19 3,895.25 4,076.94 4,431.00 4,499.98

BAND

5.06 1.58 3.47 4.07 8.91 11.39 8.28 7.85 5.91 3.62 3.46 2.73 3.27 5.28 2.39 4.97 4.33 4.04 7.87 1.53

CUM.

5.06 6.63 10.10 14.17 23.08 34.48 42.76 50.61 56.52 60.13 63.59 66.32 69.59 74.87 77.26 82.23 86.56 90.60 98.47 100.00

PERCENTAGE f

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

BAND

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 3 3

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33.33 66.67 0.00

CUM.

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

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 37.50 1.00 0.00 38.50

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 37.50 38.50 38.50

BAND

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 97.40 97.40 2.60 100.00 0.00 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 20.64 0.28 0.00

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.92 0.87 0.86

0.86

Page 202 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 31

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

GORONTALO

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

212 341 426 234 276 181 91 79 53 26 20 18 13 11 6 8 11 4 1 1 2,012

212 553 979 1,213 1,489 1,670 1,761 1,840 1,893 1,919 1,939 1,957 1,970 1,981 1,987 1,995 2,006 2,010 2,011 2,012

BAND

CUM.

10.54 10.54 16.95 27.49 21.17 48.66 11.63 60.29 13.72 74.01 9.00 83.00 4.52 87.52 3.93 91.45 2.63 94.09 1.29 95.38 0.99 96.37 0.89 97.27 0.65 97.91 0.55 98.46 0.30 98.76 0.40 99.16 0.55 99.70 0.20 99.90 0.05 99.95 0.05 100.00

PERCENTAGE rp

39.62 90.82 194.05 150.67 310.28 318.10 287.63 281.30 283.64 189.81 103.79 158.73 114.52 221.11 58.49 53.58 118.07 42.41 10.97 23.93 3,051.53

39.62 130.44 324.49 475.16 785.44 1,103.54 1,391.17 1,672.47 1,956.12 2,145.93 2,249.72 2,408.45 2,522.97 2,744.08 2,802.58 2,856.16 2,974.23 3,016.64 3,027.61 3,051.53

BAND

1.30 2.98 6.36 4.94 10.17 10.42 9.43 9.22 9.30 6.22 3.40 5.20 3.75 7.25 1.92 1.76 3.87 1.39 0.36 0.78

CUM.

1.30 4.27 10.63 15.57 25.74 36.16 45.59 54.81 64.10 70.32 73.72 78.93 82.68 89.92 91.84 93.60 97.47 98.86 99.22 100.00

PERCENTAGE f

0 0 1 1 0 0 1 0 0 0 0 0 0 0 1 0 0 0 0 0 4

BAND

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

0.00 0.00 25.00 25.00 0.00 0.00 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

CUM.

0.00 0.00 25.00 50.00 50.00 50.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 75.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE rp

0.00 0.00 0.50 1.75 0.00 0.00 15.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 443.56 0.00 0.00 0.00 0.00 0.00 460.81

0.00 0.00 0.50 2.25 2.25 2.25 17.25 17.25 17.25 17.25 17.25 17.25 17.25 17.25 460.81 460.81 460.81 460.81 460.81 460.81

BAND

0.00 0.00 0.11 0.38 0.00 0.00 3.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 96.26 0.00 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.11 0.49 0.49 0.49 3.74 3.74 3.74 3.74 3.74 3.74 3.74 3.74 100.00 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

0.00 0.00 0.26 1.16 0.00 0.00 5.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 758.30 0.00 0.00 0.00 0.00 0.00

CUM

0.00 0.00 0.15 0.47 0.29 0.20 1.24 1.03 0.88 0.80 0.77 0.72 0.68 0.63 16.44 16.13 15.49 15.28 15.22 15.10

15.10

Page 203 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

PROVINCE

: 32

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

KEPULAUAN RIAU

SUM INSURED BAND

NUMBER OF POLICIES Mid Points

From

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

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) To

PERCENTAGE f

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

2,254 2,648 3,111 2,080 2,153 961 663 427 293 142 95 155 65 148 87 120 128 57 100 42 15,729

2,254 4,902 8,013 10,093 12,246 13,207 13,870 14,297 14,590 14,732 14,827 14,982 15,047 15,195 15,282 15,402 15,530 15,587 15,687 15,729

BAND

CUM.

14.33 14.33 16.84 31.17 19.78 50.94 13.22 64.17 13.69 77.86 6.11 83.97 4.22 88.18 2.71 90.90 1.86 92.76 0.90 93.66 0.60 94.27 0.99 95.25 0.41 95.66 0.94 96.60 0.55 97.16 0.76 97.92 0.81 98.73 0.36 99.10 0.64 99.73 0.27 100.00

PERCENTAGE rp

1,133.13 501.46 1,046.16 1,458.98 2,547.85 1,675.65 1,510.55 1,385.85 1,093.30 639.02 495.43 911.12 723.97 1,356.77 919.03 1,818.23 2,621.17 1,124.90 3,858.69 57,251.77 84,073.03

1,133.13 1,634.59 2,680.75 4,139.73 6,687.58 8,363.24 9,873.79 11,259.64 12,352.93 12,991.96 13,487.39 14,398.51 15,122.48 16,479.25 17,398.28 19,216.51 21,837.68 22,962.58 26,821.26 84,073.03

BAND

1.35 0.60 1.24 1.74 3.03 1.99 1.80 1.65 1.30 0.76 0.59 1.08 0.86 1.61 1.09 2.16 3.12 1.34 4.59 68.10

CUM.

1.35 1.94 3.19 4.92 7.95 9.95 11.74 13.39 14.69 15.45 16.04 17.13 17.99 19.60 20.69 22.86 25.97 27.31 31.90 100.00

PERCENTAGE f

2 1 0 2 3 1 0 1 0 0 0 0 0 2 0 3 1 1 4 1 22

2 3 3 5 8 9 9 10 10 10 10 10 10 12 12 15 16 17 21 22

BAND

9.09 4.55 0.00 9.09 13.64 4.55 0.00 4.55 0.00 0.00 0.00 0.00 0.00 9.09 0.00 13.64 4.55 4.55 18.18 4.55

CUM.

9.09 13.64 13.64 22.73 36.36 40.91 40.91 45.45 45.45 45.45 45.45 45.45 45.45 54.55 54.55 68.18 72.73 77.27 95.45 100.00

PERCENTAGE rp

19.23 0.96 0.00 87.38 939.87 520.00 0.00 26.51 0.00 0.00 0.00 0.00 0.00 39.56 0.00 9,039.31 0.00 48.11 432.85 625.66 11,779.45

19.23 20.19 20.19 107.57 1,047.44 1,567.44 1,567.44 1,593.96 1,593.96 1,593.96 1,593.96 1,593.96 1,593.96 1,633.52 1,633.52 10,672.83 10,672.83 10,720.94 11,153.79 11,779.45

BAND

CUM.

0.16 0.16 0.01 0.17 0.00 0.17 0.74 0.91 7.98 8.89 4.41 13.31 0.00 13.31 0.23 13.53 0.00 13.53 0.00 13.53 0.00 13.53 0.00 13.53 0.00 13.53 0.34 13.87 0.00 13.87 76.74 90.61 0.00 90.61 0.41 91.01 3.67 94.69 5.31 100.00

PERCENTAGE BAND

1.70 0.19 0.00 5.99 36.89 31.03 0.00 1.91 0.00 0.00 0.00 0.00 0.00 2.92 0.00 497.15 0.00 4.28 11.22 1.09

CUM

1.70 1.24 0.75 2.60 15.66 18.74 15.87 14.16 12.90 12.27 11.82 11.07 10.54 9.91 9.39 55.54 48.87 46.69 41.59 14.01

14.01

Page 204 of 204

GRAFIK

PT. REASURANSI INTERNATIONAL INDONESIA JL. Salemba Raya No.30 Jakarta Pusat 10430 PO.Box 2635 Phone No.: 3920101 Ext.3163/3164 Fax No.: 3911432

Growth Of Policy From 2005-2008

1,000,000

950,000

900,000

850,000

800,000

750,000

700,000

650,000

Number of policy

600,000

UY 2005 550,000

UY 2006 UY 2007

500,000

UY 2008

450,000

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

0 20

Occupation code

Growth Of Premium From 2005-2008

1,200,000.00

1,100,000.00

1,000,000.00

900,000.00

UY 2005

Premium ( in million Rp)

UY 2006 UY 2007 800,000.00

UY 2008

700,000.00

600,000.00

500,000.00

400,000.00

300,000.00

200,000.00

100,000.00

0.00 20

Occupation Code

Growth of Number Claim From 2005-2008

5,500

5,000

4,500

4,000

UY 2005 UY 2006 UY 2007 UY 2008

Number of Claim

3,500

3,000

2,500

2,000

1,500

1,000

500

Occupation Code

Growth Of Claim From 2005-2008 1,400,000.00

1,200,000.00

1,000,000.00

UY 2005 UY 2006 UY 2007

Claim Incurred ( in million rupiah )

UY 2008

800,000.00

600,000.00

400,000.00

200,000.00

0.00 20

Occupation Code

Growth of Loss Ratio From 2005-2008 5,000

4,500

4,000

3,500

% Ratio

3,000

2,500 UY 2005 UY 2006 UY 2007 UY 2008 2,000

1,500

1,000

500

0 20

Occupation Code

Growth Of Policy From 2005-2008

225,000

200,000

UY 2005 UY 2006 UY 2007 UY 2008

175,000

Number of policy

150,000

125,000

100,000

75,000

50,000

25,000

0 01

Province code

Growth Of Premium From 2005-2008

1,300,000.00 1,200,000.00 1,100,000.00 1,000,000.00

Premium

( in million Rp)

900,000.00 800,000.00 UY 2005

700,000.00

UY 2006 UY 2007

600,000.00

UY 2008

500,000.00 400,000.00 300,000.00 200,000.00 100,000.00 0.00 01

Province Code

Growth Of Claim From 2005-2008

1,400,000.00

Claim Incurred ( in million rupiah )

1,200,000.00

UY 2005 UY 2006 UY 2007 UY 2008

1,000,000.00

800,000.00

600,000.00

400,000.00

200,000.00

0.00 01

Province Code

Growth of Number Claim

Number of Claim

From 2005-2008

3,500 3,400 3,300 3,200 3,100 3,000 2,900 2,800 2,700 2,600 2,500 2,400 2,300 2,200 2,100 2,000 1,900 1,800 1,700 1,600 1,500 1,400 1,300 1,200 1,100 1,000 900 800 700 600 500 400 300 200 100 0

UY 2005 UY 2006 UY 2007 UY 2008

Province Code

Growth of Loss Ratio

% Ratio

From 2005-2008 3,500 3,400 3,300 3,200 3,100 3,000 2,900 2,800 2,700 2,600 2,500 2,400 2,300 2,200 2,100 2,000 1,900 1,800 1,700 1,600 1,500 1,400 1,300 1,200 1,100 1,000 900 800 700 600 500 400 300 200 100 0

UY 2005 UY 2006 UY 2007 UY 2008

Province Code

RISK AND LOSS PROFILE FOR OCCUPATION CODE : 203 2245 2511 2571 281

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

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 203

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

Steelworks and rolling mills

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

0 2 5 3 3 8 3 1 2 4 2 3 3 6 3 1 6 7 4 5 71

BAND

0 2 7 10 13 21 24 25 27 31 33 36 39 45 48 49 55 62 66 71

CUM.

0.00 0.00 2.82 2.82 7.04 9.86 4.23 14.08 4.23 18.31 11.27 29.58 4.23 33.80 1.41 35.21 2.82 38.03 5.63 43.66 2.82 46.48 4.23 50.70 4.23 54.93 8.45 63.38 4.23 67.61 1.41 69.01 8.45 77.46 9.86 87.32 5.63 92.96 7.04 100.00

PERCENTAGE rp

0.00 0.56 2.43 1.61 1.46 7.11 2.15 1.67 6.17 11.94 8.09 12.44 16.49 29.02 28.48 62.30 114.94 344.68 113.52 100.83 865.88

0.00 0.56 2.99 4.61 6.07 13.17 15.32 16.99 23.17 35.10 43.19 55.62 72.12 101.13 129.61 191.91 306.85 651.53 765.05 865.88

BAND

0.00 0.06 0.28 0.19 0.17 0.82 0.25 0.19 0.71 1.38 0.93 1.44 1.90 3.35 3.29 7.20 13.27 39.81 13.11 11.64

CUM.

0.00 0.06 0.35 0.53 0.70 1.52 1.77 1.96 2.68 4.05 4.99 6.42 8.33 11.68 14.97 22.16 35.44 75.25 88.36 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 2 1 2 7

BAND

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 2 4 5 7

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.29 14.29 14.29 28.57 28.57 57.14 14.29 71.43 28.57 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.55 7.02 289.06 288.51 39.80 624.95

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.55 7.57 296.63 585.15 624.95

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 0.09 0.09 1.12 1.21 46.25 47.46 46.17 93.63 6.37 100.00

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 0.88 6.11 83.86 254.15 39.48

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.29 2.47 45.53 76.48 72.18

72.18

Page 1 of 20

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 2245

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

Vehicle assembling plants

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

12 1 6 3 4 3 8 4 3 5 3 10 5 14 7 12 15 7 16 8 146

12 13 19 22 26 29 37 41 44 49 52 62 67 81 88 100 115 122 138 146

BAND

CUM.

8.22 8.22 0.68 8.90 4.11 13.01 2.05 15.07 2.74 17.81 2.05 19.86 5.48 25.34 2.74 28.08 2.05 30.14 3.42 33.56 2.05 35.62 6.85 42.47 3.42 45.89 9.59 55.48 4.79 60.27 8.22 68.49 10.27 78.77 4.79 83.56 10.96 94.52 5.48 100.00

PERCENTAGE rp

21.31 0.22 0.79 2.29 1.22 3.08 13.40 5.11 3.38 4.59 8.28 59.73 26.98 118.31 63.23 141.54 39.54 54.43 258.91 84.48 910.83

21.31 21.53 22.32 24.61 25.83 28.91 42.31 47.43 50.81 55.39 63.67 123.41 150.39 268.69 331.92 473.46 513.00 567.44 826.35 910.83

BAND

2.34 0.02 0.09 0.25 0.13 0.34 1.47 0.56 0.37 0.50 0.91 6.56 2.96 12.99 6.94 15.54 4.34 5.98 28.43 9.27

CUM.

2.34 2.36 2.45 2.70 2.84 3.17 4.65 5.21 5.58 6.08 6.99 13.55 16.51 29.50 36.44 51.98 56.32 62.30 90.73 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 1

BAND

CUM.

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 1 100.0 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00 1 0.00 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.40 0.00 0.00 0.00 0.00 0.00 0.00 3.40

BAND

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.40 100.00 100.00 3.40 0.00 100.00 3.40 0.00 100.00 3.40 0.00 100.00 3.40 0.00 100.00 3.40 0.00 100.00 3.40 0.00 100.00

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 2.87 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 0.00 0.00 1.27 1.02 0.72 0.66 0.60 0.41 0.37

0.37

Page 2 of 20

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 2511

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

Paper manufacture

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

27 2 7 7 14 6 6 23 4 9 13 7 4 27 9 29 30 14 13 20 271

27 29 36 43 57 63 69 92 96 105 118 125 129 156 165 194 224 238 251 271

BAND

CUM.

9.96 9.96 0.74 10.70 2.58 13.28 2.58 15.87 5.17 21.03 2.21 23.25 2.21 25.46 8.49 33.95 1.48 35.42 3.32 38.75 4.80 43.54 2.58 46.13 1.48 47.60 9.96 57.56 3.32 60.89 10.70 71.59 11.07 82.66 5.17 87.82 4.80 92.62 7.38 100.00

PERCENTAGE rp

31.48 0.27 1.92 5.53 6.54 12.04 10.39 8.10 10.85 8.93 18.48 37.09 41.36 158.82 200.95 431.05 434.75 5,685.54 -4,150.10 789.98 3,743.98

BAND

31.48 0.84 31.75 0.01 33.67 0.05 39.20 0.15 45.74 0.17 57.78 0.32 68.17 0.28 76.27 0.22 87.12 0.29 96.04 0.24 114.52 0.49 151.62 0.99 192.98 1.10 351.80 4.24 552.76 5.37 983.80 11.51 1,418.55 11.61 7,104.09 151.86 2,954.00 -110.9 3,743.98 21.10

CUM.

0.84 0.85 0.90 1.05 1.22 1.54 1.82 2.04 2.33 2.57 3.06 4.05 5.15 9.40 14.76 26.28 37.89 189.75 78.90 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 1 2 0 0 0 1 4 0 0 1 1 10

CUM.

PERCENTAGE

BAND

0 0 0 0 0 0 0 0 0 1 3 3 3 3 4 8 8 8 9 10

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.00 10.00 0.40 20.00 30.00 138.82 0.00 30.00 0.00 0.00 30.00 0.00 0.00 30.00 0.00 10.00 40.00 16.24 40.00 80.00 1,392.92 0.00 80.00 0.00 0.00 80.00 0.00 10.00 90.00 25,357.0 10.00 100.00 20,761.2 47,666.6

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.40 139.22 139.22 139.22 139.22 155.46 1,548.38 1,548.38 1,548.38 26,905.43 47,666.67

BAND

CUM.

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 4.52 0.29 0.29 751.20 0.00 0.29 0.00 0.00 0.29 0.00 0.00 0.29 0.00 0.03 0.33 8.08 2.92 3.25 323.15 0.00 3.25 0.00 0.00 3.25 0.00 53.20 56.44 -611 43.56 100.00 2628.09

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.42 121.57 91.83 72.14 39.57 28.13 157.39 109.15 21.80 910.81 1273.16

1273.16

Page 3 of 20

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 2571

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

Leather

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

21 15 33 18 39 24 14 17 11 6 2 4 8 4 16 7 10 3 4 0 256

21 36 69 87 126 150 164 181 192 198 200 204 212 216 232 239 249 252 256 256

BAND

CUM.

8.20 8.20 5.86 14.06 12.89 26.95 7.03 33.98 15.23 49.22 9.38 58.59 5.47 64.06 6.64 70.70 4.30 75.00 2.34 77.34 0.78 78.13 1.56 79.69 3.13 82.81 1.56 84.38 6.25 90.63 2.73 93.36 3.91 97.27 1.17 98.44 1.56 100.00 0.00 100.00

PERCENTAGE rp

-3.18 6.26 30.50 27.91 106.42 70.67 66.49 112.39 75.20 52.04 16.80 40.70 106.00 35.56 373.94 207.58 601.87 416.87 555.96 0.00 2,900.00

-3.18 3.08 33.59 61.50 167.92 238.59 305.08 417.47 492.68 544.72 561.52 602.22 708.22 743.79 1,117.72 1,325.31 1,927.17 2,344.04 2,900.00 2,900.00

BAND

-0.11 0.22 1.05 0.96 3.67 2.44 2.29 3.88 2.59 1.79 0.58 1.40 3.66 1.23 12.89 7.16 20.75 14.37 19.17 0.00

CUM.

-0.11 0.11 1.16 2.12 5.79 8.23 10.52 14.40 16.99 18.78 19.36 20.77 24.42 25.65 38.54 45.70 66.45 80.83 100.00 100.00

PERCENTAGE f

0 0 1 0 0 0 0 1 0 0 0 0 0 0 1 3 1 0 0 0 7

BAND

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

0.00 0.00 14.29 0.00 0.00 0.00 0.00 14.29 0.00 0.00 0.00 0.00 0.00 0.00 14.29 42.86 14.29 0.00 0.00 0.00

CUM.

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

PERCENTAGE rp

0.00 0.00 2.61 0.00 0.00 0.00 0.00 5.53 0.00 0.00 0.00 0.00 0.00 0.00 21.26 85.62 1.21 0.00 0.00 0.00

0.00 0.00 2.61 2.61 2.61 2.61 2.61 8.14 8.14 8.14 8.14 8.14 8.14 8.14 29.40 115.02 116.23 116.23 116.23 116.23

116.23

BAND

0.00 0.00 2.24 0.00 0.00 0.00 0.00 4.76 0.00 0.00 0.00 0.00 0.00 0.00 18.29 73.67 1.04 0.00 0.00 0.00

CUM.

0.00 0.00 2.24 2.24 2.24 2.24 2.24 7.00 7.00 7.00 7.00 7.00 7.00 7.00 25.29 98.96 100.00 100.00 100.00 100.00

PERCENTAGE BAND

CUM

0.00 0.00 8.54 0.00 0.00 0.00 0.00 4.92 0.00 0.00 0.00 0.00 0.00 0.00 5.69 41.25 0.20 0.00 0.00 0.00

0.00 0.00 7.76 4.24 1.55 1.09 0.85 1.95 1.65 1.49 1.45 1.35 1.15 1.09 2.63 8.68 6.03 4.96 4.01 4.01

4.01

Page 4 of 20

RISK AND LOSS PROFILE 2005 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2005

OCCUPATION CODE

: 281

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

Conventional power station buildings with boiler houses

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

2 2 3 1 5 1 4 8 1 1 3 12 1 4 1 16 5 2 7 3 82

BAND

2 4 7 8 13 14 18 26 27 28 31 43 44 48 49 65 70 72 79 82

CUM.

2.44 2.44 2.44 4.88 3.66 8.54 1.22 9.76 6.10 15.85 1.22 17.07 4.88 21.95 9.76 31.71 1.22 32.93 1.22 34.15 3.66 37.80 14.63 52.44 1.22 53.66 4.88 58.54 1.22 59.76 19.51 79.27 6.10 85.37 2.44 87.80 8.54 96.34 3.66 100.00

PERCENTAGE rp

0.53 0.13 9.83 0.40 3.92 0.47 5.02 7.32 0.62 2.89 2.62 19.50 0.15 15.41 0.25 140.85 93.61 158.00 98.87 47.77 608.17

0.53 0.66 10.49 10.89 14.81 15.28 20.30 27.62 28.24 31.12 33.75 53.25 53.40 68.81 69.06 209.92 303.52 461.53 560.40 608.17

BAND

0.09 0.02 1.62 0.07 0.64 0.08 0.83 1.20 0.10 0.47 0.43 3.21 0.02 2.53 0.04 23.16 15.39 25.98 16.26 7.85

CUM.

0.09 0.11 1.72 1.79 2.44 2.51 3.34 4.54 4.64 5.12 5.55 8.76 8.78 11.31 11.36 34.52 49.91 75.89 92.15 100.00

PERCENTAGE f

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

BAND

CUM.

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 1 25.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 1 0.00 25.00 4 75.00 100.00 4 0.00 100.00 4 0.00 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 10.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 123.05 0.00 0.00 133.15

0.00 0.00 0.00 0.00 0.00 0.00 10.09 10.09 10.09 10.09 10.09 10.09 10.09 10.09 10.09 10.09 10.09 133.15 133.15 133.15

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 7.58 7.58 0.00 7.58 0.00 7.58 0.00 7.58 0.00 7.58 0.00 7.58 0.00 7.58 0.00 7.58 0.00 7.58 0.00 7.58 0.00 7.58 92.42 100.00 0.00 100.00 0.00 100.00

PERCENTAGE BAND

CUM

0.00 0.00 0.00 0.00 0.00 0.00 201.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 77.88 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 49.73 36.55 35.75 32.43 29.91 18.96 18.90 14.67 14.62 4.81 3.33 28.85 23.76 21.89

21.89

Page 5 of 20

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 203

DATA POSITION FROM TO PROCESSING

DATE

01/01/2005

15/06/2009

15/09/2009

Steelworks and rolling mills

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

24 1 5 2 13 4 4 2 1 3 3 6 4 9 9 4 24 7 14 15 154

24 25 30 32 45 49 53 55 56 59 62 68 72 81 90 94 118 125 139 154

BAND

CUM.

15.58 15.58 0.65 16.23 3.25 19.48 1.30 20.78 8.44 29.22 2.60 31.82 2.60 34.42 1.30 35.71 0.65 36.36 1.95 38.31 1.95 40.26 3.90 44.16 2.60 46.75 5.84 52.60 5.84 58.44 2.60 61.04 15.58 76.62 4.55 81.17 9.09 90.26 9.74 100.00

PERCENTAGE rp

38.45 0.33 1.72 0.89 11.26 5.34 3.29 1.51 0.05 7.06 11.74 21.70 8.03 55.76 26.34 42.92 159.82 185.38 396.26 733.45 1,711.30

38.45 38.78 40.50 41.39 52.65 57.98 61.28 62.78 62.83 69.90 81.64 103.34 111.37 167.13 193.47 236.39 396.21 581.59 977.86 1,711.30

BAND

2.25 0.02 0.10 0.05 0.66 0.31 0.19 0.09 0.00 0.41 0.69 1.27 0.47 3.26 1.54 2.51 9.34 10.83 23.16 42.86

CUM.

2.25 2.27 2.37 2.42 3.08 3.39 3.58 3.67 3.67 4.08 4.77 6.04 6.51 9.77 11.31 13.81 23.15 33.99 57.14 100.00

PERCENTAGE f

2 0 0 0 0 0 0 0 0 0 0 0 0 1 2 0 6 1 3 4 19

BAND

CUM.

2 2 2 2 2 2 2 2 2 2 2 2 2 3 5 5 11 12 15 19

10.53 10.53 0.00 10.53 0.00 10.53 0.00 10.53 0.00 10.53 0.00 10.53 0.00 10.53 0.00 10.53 0.00 10.53 0.00 10.53 0.00 10.53 0.00 10.53 0.00 10.53 5.26 15.79 10.53 26.32 0.00 26.32 31.58 57.89 5.26 63.16 15.79 78.95 21.05 100.00

PERCENTAGE rp

2,661.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 107.19 1,085.64 0.00 42,178.6 60.14 1,782.80 1,756.56 49,632.0

2,661.11 2,661.11 2,661.11 2,661.11 2,661.11 2,661.11 2,661.11 2,661.11 2,661.11 2,661.11 2,661.11 2,661.11 2,661.11 2,768.30 3,853.94 3,853.94 46,032.59 46,092.73 47,875.53 49,632.09

BAND

CUM.

PERCENTAGE BAND

CUM

5.36 5.36 6920.60 6920.60 0.00 5.36 0.00 6861.43 0.00 5.36 0.00 6570.78 0.00 5.36 0.00 6429.33 0.00 5.36 0.00 5054.76 0.00 5.36 0.00 4589.63 0.00 5.36 0.00 4342.85 0.00 5.36 0.00 4238.62 0.00 5.36 0.00 4235.09 0.00 5.36 0.00 3807.29 0.00 5.36 0.00 3259.63 0.00 5.36 0.00 2575.09 0.00 5.36 0.00 2389.39 0.22 5.58 192.24 1656.37 2.19 7.77 4121.15 1991.97 0.00 7.77 0.00 1630.30 84.98 92.75 26392.0 11618.2 0.12 92.87 32.44 7925.23 3.59 96.46 449.90 4895.97 3.54 100.00 239.49 2900.25 2900.25

Page 6 of 20

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 2245

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

Vehicle assembling plants

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

56 5 9 6 7 8 8 18 3 5 9 13 4 20 9 18 35 27 25 9 294

56 61 70 76 83 91 99 117 120 125 134 147 151 171 180 198 233 260 285 294

BAND

CUM.

19.05 19.05 1.70 20.75 3.06 23.81 2.04 25.85 2.38 28.23 2.72 30.95 2.72 33.67 6.12 39.80 1.02 40.82 1.70 42.52 3.06 45.58 4.42 50.00 1.36 51.36 6.80 58.16 3.06 61.22 6.12 67.35 11.90 79.25 9.18 88.44 8.50 96.94 3.06 100.00

PERCENTAGE rp

99.43 5.56 9.44 3.80 1.04 4.89 6.49 13.00 21.91 6.05 30.55 40.41 13.81 140.05 69.33 129.46 79.36 178.25 114.75 123.00 1,090.56

99.43 104.98 114.42 118.22 119.26 124.15 130.64 143.64 165.54 171.59 202.14 242.54 256.35 396.40 465.74 595.20 674.55 852.80 967.55 1,090.56

BAND

9.12 0.51 0.87 0.35 0.10 0.45 0.60 1.19 2.01 0.55 2.80 3.71 1.27 12.84 6.36 11.87 7.28 16.34 10.52 11.28

CUM.

9.12 9.63 10.49 10.84 10.94 11.38 11.98 13.17 15.18 15.73 18.54 22.24 23.51 36.35 42.71 54.58 61.85 78.20 88.72 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 4 3 5 15

BAND

CUM.

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 1 6.67 6.67 2 6.67 13.33 3 6.67 20.00 7 26.67 46.67 10 20.00 66.67 15 33.33 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.73 8.87 6,833.75 1,791.70 9,110.53 16,020.95 33,778.53

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.73 21.60 6,855.34 8,647.05 17,757.58 33,778.53

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.04 0.03 20.23 5.30 26.97 47.43

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 0.04 0.06 20.29 25.60 52.57 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 18.36 6.85 8611.61 1005.17 7939.49 13024.67

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 2.73 3.63 1016.28 1013.96 1835.31 3097.37

3097.37

Page 7 of 20

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 2511

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

Paper manufacture

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

44 2 5 4 7 5 4 10 14 14 8 11 11 41 12 46 50 41 72 21 422

BAND

44 46 51 55 62 67 71 81 95 109 117 128 139 180 192 238 288 329 401 422

10.43 0.47 1.18 0.95 1.66 1.18 0.95 2.37 3.32 3.32 1.90 2.61 2.61 9.72 2.84 10.90 11.85 9.72 17.06 4.98

CUM.

10.43 10.90 12.09 13.03 14.69 15.88 16.82 19.19 22.51 25.83 27.73 30.33 32.94 42.65 45.50 56.40 68.25 77.96 95.02 100.00

PERCENTAGE rp

62.99 0.42 1.24 2.61 10.11 7.17 6.55 4.02 11.50 23.78 43.58 71.07 64.31 124.15 101.27 358.72 534.02 124.16 860.50 364.99 2,777.1

62.99 63.40 64.64 67.25 77.36 84.53 91.08 95.10 106.60 130.38 173.96 245.03 309.34 433.49 534.77 893.48 1,427.51 1,551.67 2,412.17 2,777.16

BAND

2.27 0.02 0.04 0.09 0.36 0.26 0.24 0.14 0.41 0.86 1.57 2.56 2.32 4.47 3.65 12.92 19.23 4.47 30.98 13.14

CUM.

PERCENTAGE f

2.27 1 2.28 0 2.33 0 2.42 0 2.79 0 3.04 0 3.28 0 3.42 0 3.84 0 4.69 0 6.26 1 8.82 1 11.14 1 15.61 2 19.26 0 32.17 3 51.40 1 55.87 1 86.86 5 100.00 10 26

1 1 1 1 1 1 1 1 1 1 2 3 4 6 6 9 10 11 16 26

BAND

3.85 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.85 3.85 3.85 7.69 0.00 11.54 3.85 3.85 19.23 38.46

CUM.

3.85 3.85 3.85 3.85 3.85 3.85 3.85 3.85 3.85 3.85 7.69 11.54 15.38 23.08 23.08 34.62 38.46 42.31 61.54 100.00

PERCENTAGE rp

237.77 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 32.19 65.80 21.95 357.43 0.00 147.48 145.71 3.97 765.50 17,917.88 19,695.68

237.77 237.77 237.77 237.77 237.77 237.77 237.77 237.77 237.77 237.77 269.96 335.77 357.71 715.14 715.14 862.62 1,008.33 1,012.30 1,777.80 19,695.68

BAND

1.21 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.16 0.33 0.11 1.81 0.00 0.75 0.74 0.02 3.89 90.97

CUM.

PERCENTAGE BAND

CUM

1.21 377.49 1.21 0.00 1.21 0.00 1.21 0.00 1.21 0.00 1.21 0.00 1.21 0.00 1.21 0.00 1.21 0.00 1.21 0.00 1.37 73.86 1.70 92.60 1.82 34.13 3.63 287.89 3.63 0.00 4.38 41.11 5.12 27.29 5.14 3.20 9.03 88.96 100.00 4909.10

377.49 375.01 367.83 353.57 307.35 281.29 261.06 250.01 223.04 182.37 155.18 137.03 115.64 164.97 133.73 96.55 70.64 65.24 73.70 709.20

709.20

Page 8 of 20

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 2571

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

Leather

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

15 15 33 22 47 12 21 20 8 5 8 8 10 3 5 10 10 6 2 0 260

15 30 63 85 132 144 165 185 193 198 206 214 224 227 232 242 252 258 260 260

BAND

CUM.

5.77 5.77 5.77 11.54 12.69 24.23 8.46 32.69 18.08 50.77 4.62 55.38 8.08 63.46 7.69 71.15 3.08 74.23 1.92 76.15 3.08 79.23 3.08 82.31 3.85 86.15 1.15 87.31 1.92 89.23 3.85 93.08 3.85 96.92 2.31 99.23 0.77 100.00 0.00 100.00

PERCENTAGE rp

17.81 8.61 29.01 27.54 94.23 28.44 105.06 116.60 73.68 50.01 57.39 115.91 156.06 52.13 98.09 198.49 97.89 256.63 142.91 0.00 1,726.49

17.81 26.42 55.43 82.97 177.20 205.64 310.70 427.31 500.99 550.99 608.38 724.29 880.35 932.48 1,030.57 1,229.06 1,326.95 1,583.58 1,726.49 1,726.49

BAND

1.03 0.50 1.68 1.60 5.46 1.65 6.09 6.75 4.27 2.90 3.32 6.71 9.04 3.02 5.68 11.50 5.67 14.86 8.28 0.00

CUM.

1.03 1.53 3.21 4.81 10.26 11.91 18.00 24.75 29.02 31.91 35.24 41.95 50.99 54.01 59.69 71.19 76.86 91.72 100.00 100.00

PERCENTAGE f

0 0 1 0 0 0 0 1 0 0 0 3 1 0 0 0 0 2 0 0 8

BAND

0 0 1 1 1 1 1 2 2 2 2 5 6 6 6 6 6 8 8 8

CUM.

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 12.50 12.50 8.97 0.00 12.50 0.00 0.00 12.50 0.00 0.00 12.50 0.00 0.00 12.50 0.00 12.50 25.00 129.79 0.00 25.00 0.00 0.00 25.00 0.00 0.00 25.00 0.00 37.50 62.50 2,854.87 12.50 75.00 1.35 0.00 75.00 0.00 0.00 75.00 0.00 0.00 75.00 0.00 0.00 75.00 0.00 25.00 100.00 14.29 0.00 100.00 0.00 0.00 100.00 0.00 3,009.27

0.00 0.00 8.97 8.97 8.97 8.97 8.97 138.76 138.76 138.76 138.76 2,993.63 2,994.98 2,994.98 2,994.98 2,994.98 2,994.98 3,009.27 3,009.27 3,009.27

BAND

CUM.

PERCENTAGE BAND

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.30 0.30 30.91 0.00 0.30 0.00 0.00 0.30 0.00 0.00 0.30 0.00 0.00 0.30 0.00 4.31 4.61 111.31 0.00 4.61 0.00 0.00 4.61 0.00 0.00 4.61 0.00 94.87 99.48 2462.98 0.04 99.53 0.86 0.00 99.53 0.00 0.00 99.53 0.00 0.00 99.53 0.00 0.00 99.53 0.00 0.47 100.00 5.57 0.00 100.00 0.00 0.00 100.00 0.00

0.00 0.00 16.18 10.81 5.06 4.36 2.89 32.47 27.70 25.18 22.81 413.32 340.20 321.18 290.61 243.68 225.70 190.03 174.30 174.30

174.30

Page 9 of 20

RISK AND LOSS PROFILE 2006 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2006

OCCUPATION CODE

: 281

DATA POSITION FROM TO PROCESSING

DATE

01/01/2006

15/06/2009

15/09/2009

Conventional power station buildings with boiler houses

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

11 8 3 1 5 1 2 5 1 6 16 7 1 14 4 17 16 5 24 60 207

11 19 22 23 28 29 31 36 37 43 59 66 67 81 85 102 118 123 147 207

BAND

CUM.

5.31 5.31 3.86 9.18 1.45 10.63 0.48 11.11 2.42 13.53 0.48 14.01 0.97 14.98 2.42 17.39 0.48 17.87 2.90 20.77 7.73 28.50 3.38 31.88 0.48 32.37 6.76 39.13 1.93 41.06 8.21 49.28 7.73 57.00 2.42 59.42 11.59 71.01 28.99 100.00

PERCENTAGE rp

150.10 0.13 1.65 0.40 3.73 0.80 1.38 8.05 0.62 0.11 2.24 16.39 1.79 41.22 37.17 106.19 219.55 30.34 673.04 89,956.23 91,251.16

150.10 150.23 151.89 152.29 156.02 156.82 158.20 166.26 166.88 166.99 169.23 185.62 187.41 228.63 265.81 372.00 591.55 621.89 1,294.93 91,251.16

BAND

0.16 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.02 0.00 0.05 0.04 0.12 0.24 0.03 0.74 98.58

CUM.

0.16 0.16 0.17 0.17 0.17 0.17 0.17 0.18 0.18 0.18 0.19 0.20 0.21 0.25 0.29 0.41 0.65 0.68 1.42 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 5 7

BAND

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 2 7

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

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 14.29 14.29 28.57 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.61 0.00 481.46 71,495.50 71,985.57

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 8.61 8.61 490.07 71,985.57

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 0.01 0.01 0.00 0.01 0.67 0.68 99.32 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.92 0.00 71.53 79.48

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.46 1.38 37.85 78.89

78.89

Page 10 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 203

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

Steelworks and rolling mills

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

PERCENTAGE f

29 4 4 2 5 9 3 1 6 6 2 2 2 9 5 13 16 7 10 13

29 33 37 39 44 53 56 57 63 69 71 73 75 84 89 102 118 125 135 148

148

BAND

19.59 2.70 2.70 1.35 3.38 6.08 2.03 0.68 4.05 4.05 1.35 1.35 1.35 6.08 3.38 8.78 10.81 4.73 6.76 8.78

CUM.

19.59 22.30 25.00 26.35 29.73 35.81 37.84 38.51 42.57 46.62 47.97 49.32 50.68 56.76 60.14 68.92 79.73 84.46 91.22 100.00

PERCENTAGE rp

87.96 7.80 1.77 0.56 2.74 15.58 4.16 0.49 13.52 13.62 7.87 11.39 3.72 62.75 49.00 174.40 104.13 336.73 41.96 668.26 1,608.41

87.96 95.77 97.53 98.09 100.83 116.42 120.58 121.07 134.58 148.20 156.07 167.46 171.18 233.94 282.94 457.33 561.46 898.19 940.15 1,608.41

BAND

CUM.

5.47 5.47 0.49 5.95 0.11 6.06 0.03 6.10 0.17 6.27 0.97 7.24 0.26 7.50 0.03 7.53 0.84 8.37 0.85 9.21 0.49 9.70 0.71 10.41 0.23 10.64 3.90 14.54 3.05 17.59 10.84 28.43 6.47 34.91 20.94 55.84 2.61 58.45 41.55 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 0 0 0 5 23

0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 2 2 2 7 30

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 6.67 6.67 0.00 6.67 0.00 6.67 0.00 6.67 16.67 23.33 76.67 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 507.16 0.00 0.00 0.00 79.93 135,824.14 136,411.23

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 0.00 507.16 507.16 507.16 507.16 587.09 136,411.23

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 0.37 0.37 0.00 0.37 0.00 0.37 0.00 0.37 0.06 0.43 99.57 100.00

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1035.02 0.00 0.00 0.00 190.49 20325.04

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 0.00 179.25 110.90 90.33 56.46 62.45 8481.14

8481.14

Page 11 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 2245

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

Vehicle assembling plants

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

PERCENTAGE f

45 14 4 22 5 3 8 8 3 30 10 13 6 28 16 36 69 25 25 126

45 59 63 85 90 93 101 109 112 142 152 165 171 199 215 251 320 345 370 496

496

BAND

CUM.

9.07 9.07 2.82 11.90 0.81 12.70 4.44 17.14 1.01 18.15 0.60 18.75 1.61 20.36 1.61 21.98 0.60 22.58 6.05 28.63 2.02 30.65 2.62 33.27 1.21 34.48 5.65 40.12 3.23 43.35 7.26 50.60 13.91 64.52 5.04 69.56 5.04 74.60 25.40 100.00

PERCENTAGE rp

142.51 0.85 0.59 2.22 2.77 2.17 11.03 16.63 2.91 10.37 24.77 62.43 46.28 76.92 57.97 122.87 188.88 180.21 127.61 285.06 1,365.07

142.51 143.36 143.95 146.16 148.93 151.10 162.13 178.77 181.68 192.06 216.83 279.26 325.54 402.46 460.44 583.31 772.18 952.40 1,080.01 1,365.07

BAND

10.44 0.06 0.04 0.16 0.20 0.16 0.81 1.22 0.21 0.76 1.81 4.57 3.39 5.63 4.25 9.00 13.84 13.20 9.35 20.88

CUM.

10.44 10.50 10.54 10.71 10.91 11.07 11.88 13.10 13.31 14.07 15.88 20.46 23.85 29.48 33.73 42.73 56.57 69.77 79.12 100.00

PERCENTAGE f

2 0 0 0 0 0 0 0 0 0 2 0 0 0 0 1 1 3 0 3 12

BAND

CUM.

2 2 2 2 2 2 2 2 2 2 4 4 4 4 4 5 6 9 9 12

16.67 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 0.00 16.67 16.67 33.33 0.00 33.33 0.00 33.33 0.00 33.33 0.00 33.33 8.33 41.67 8.33 50.00 25.00 75.00 0.00 75.00 25.00 100.00

PERCENTAGE rp

4.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 41.26 0.00 0.00 0.00 0.00 508.76 8.70 12.93 0.00 184.64 760.39

4.10 4.10 4.10 4.10 4.10 4.10 4.10 4.10 4.10 4.10 45.36 45.36 45.36 45.36 45.36 554.12 562.82 575.74 575.74 760.39

BAND

0.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5.43 0.00 0.00 0.00 0.00 66.91 1.14 1.70 0.00 24.28

CUM.

0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 5.96 5.96 5.96 5.96 5.96 72.87 74.02 75.72 75.72 100.00

PERCENTAGE BAND

2.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 166.52 0.00 0.00 0.00 0.00 414.07 4.61 7.17 0.00 64.77

CUM

2.88 2.86 2.85 2.81 2.75 2.71 2.53 2.29 2.26 2.13 20.92 16.24 13.93 11.27 9.85 95.00 72.89 60.45 53.31 55.70

55.70

Page 12 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 2511

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

Paper manufacture

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

40 1 9 2 9 9 4 19 7 2 6 11 6 42 16 55 33 47 69 36 423

40 41 50 52 61 70 74 93 100 102 108 119 125 167 183 238 271 318 387 423

BAND

9.46 0.24 2.13 0.47 2.13 2.13 0.95 4.49 1.65 0.47 1.42 2.60 1.42 9.93 3.78 13.00 7.80 11.11 16.31 8.51

CUM.

9.46 9.69 11.82 12.29 14.42 16.55 17.49 21.99 23.64 24.11 25.53 28.13 29.55 39.48 43.26 56.26 64.07 75.18 91.49 100.00

PERCENTAGE rp

142.23 0.25 1.49 1.17 7.32 11.63 6.57 9.17 22.65 8.73 23.60 103.27 29.68 77.43 68.96 236.75 274.63 176.18 668.85 616.03 2,486.5

142.23 142.48 143.96 145.13 152.45 164.08 170.65 179.81 202.47 211.20 234.80 338.06 367.74 445.17 514.13 750.88 1,025.51 1,201.69 1,870.54 2,486.57

BAND

5.72 0.01 0.06 0.05 0.29 0.47 0.26 0.37 0.91 0.35 0.95 4.15 1.19 3.11 2.77 9.52 11.04 7.09 26.90 24.77

CUM.

5.72 5.73 5.79 5.84 6.13 6.60 6.86 7.23 8.14 8.49 9.44 13.60 14.79 17.90 20.68 30.20 41.24 48.33 75.23 100.00

PERCENTAGE f

2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 1 2 7

BAND

2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 3 4 4 5 7

CUM.

28.57 28.57 0.00 28.57 0.00 28.57 0.00 28.57 0.00 28.57 0.00 28.57 0.00 28.57 0.00 28.57 0.00 28.57 0.00 28.57 0.00 28.57 0.00 28.57 0.00 28.57 0.00 28.57 0.00 28.57 14.29 42.86 14.29 57.14 0.00 57.14 14.29 71.43 28.57 100.00

PERCENTAGE rp

760.60 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 19.04 29.23 0.00 299.27 637.07 1,745.21

760.60 760.60 760.60 760.60 760.60 760.60 760.60 760.60 760.60 760.60 760.60 760.60 760.60 760.60 760.60 779.64 808.87 808.87 1,108.14 1,745.21

BAND

43.58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.09 1.68 0.00 17.15 36.50

CUM.

43.58 43.58 43.58 43.58 43.58 43.58 43.58 43.58 43.58 43.58 43.58 43.58 43.58 43.58 43.58 44.67 46.35 46.35 63.50 100.00

PERCENTAGE BAND

CUM

534.78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.04 10.64 0.00 44.74 103.41

534.78 533.84 528.33 524.08 498.92 463.56 445.71 422.99 375.66 360.13 323.94 224.99 206.83 170.86 147.94 103.83 78.88 67.31 59.24 70.19

70.19

Page 13 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 2571

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

Leather

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

17 16 23 20 46 10 14 16 11 10 3 11 8 7 2 9 6 5 2 0 236

17 33 56 76 122 132 146 162 173 183 186 197 205 212 214 223 229 234 236 236

BAND

CUM.

7.20 7.20 6.78 13.98 9.75 23.73 8.47 32.20 19.49 51.69 4.24 55.93 5.93 61.86 6.78 68.64 4.66 73.31 4.24 77.54 1.27 78.81 4.66 83.47 3.39 86.86 2.97 89.83 0.85 90.68 3.81 94.49 2.54 97.03 2.12 99.15 0.85 100.00 0.00 100.00

PERCENTAGE rp

51.85 7.18 22.80 28.68 90.07 26.28 58.19 87.91 72.95 67.78 41.77 105.31 71.00 106.53 24.57 356.80 114.22 100.40 21.39 0.00 1,455.69

51.85 59.02 81.82 110.50 200.57 226.85 285.04 372.95 445.90 513.68 555.45 660.76 731.77 838.30 862.87 1,219.67 1,333.89 1,434.29 1,455.69 1,455.69

BAND

3.56 0.49 1.57 1.97 6.19 1.81 4.00 6.04 5.01 4.66 2.87 7.23 4.88 7.32 1.69 24.51 7.85 6.90 1.47 0.00

CUM.

3.56 4.05 5.62 7.59 13.78 15.58 19.58 25.62 30.63 35.29 38.16 45.39 50.27 57.59 59.28 83.79 91.63 98.53 100.00 100.00

PERCENTAGE f

BAND

CUM.

PERCENTAGE rp

0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 1 0 0 0 0

0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 1 50.00 50.00 7.86 1 0.00 50.00 0.00 1 0.00 50.00 0.00 1 0.00 50.00 0.00 1 0.00 50.00 0.00 1 0.00 50.00 0.00 1 0.00 50.00 0.00 1 0.00 50.00 0.00 1 0.00 50.00 0.00 2 50.00 100.00 1,457.91 2 0.00 100.00 0.00 2 0.00 100.00 0.00 2 0.00 100.00 0.00 2 0.00 100.00 0.00

1,465.77

0.00 0.00 0.00 0.00 0.00 0.00 7.86 7.86 7.86 7.86 7.86 7.86 7.86 7.86 7.86 1,465.77 1,465.77 1,465.77 1,465.77 1,465.77

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 99.46 0.00 0.00 0.00 0.00

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 100.00 100.00 100.00 100.00 100.00

PERCENTAGE BAND

CUM

0.00 0.00 0.00 0.00 0.00 0.00 13.52 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 408.60 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 2.76 2.11 1.76 1.53 1.42 1.19 1.07 0.94 0.91 120.18 109.89 102.19 100.69 100.69

100.69

Page 14 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 281

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2009

15/09/2009

Conventional power station buildings with boiler houses

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

PERCENTAGE f

5 6 6 1 8 1 1 6 1 8 19 6 3 13 5 17 15 7 21 48

5 11 17 18 26 27 28 34 35 43 62 68 71 84 89 106 121 128 149 197

197

BAND

CUM.

2.54 2.54 3.05 5.58 3.05 8.63 0.51 9.14 4.06 13.20 0.51 13.71 0.51 14.21 3.05 17.26 0.51 17.77 4.06 21.83 9.64 31.47 3.05 34.52 1.52 36.04 6.60 42.64 2.54 45.18 8.63 53.81 7.61 61.42 3.55 64.97 10.66 75.63 24.37 100.00

PERCENTAGE rp

33.83 0.18 0.63 0.40 4.76 0.00 0.37 20.20 0.08 29.45 17.62 9.54 5.86 49.04 10.34 147.74 87.15 58.97 1,061.03 304,231.99 305,769.19

33.83 34.01 34.64 35.04 39.80 39.80 40.17 60.37 60.45 89.90 107.52 117.06 122.92 171.97 182.31 330.05 417.20 476.17 1,537.19 305,769.19

BAND

0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.01 0.01 0.00 0.00 0.02 0.00 0.05 0.03 0.02 0.35 99.50

CUM.

0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.03 0.04 0.04 0.04 0.06 0.06 0.11 0.14 0.16 0.50 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 9 10

0 0 0 0 0 0 0 0 0 1 1 1 1 1 1 1 1 1 1 10

BAND

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 0.00 0.00 0.00 90.00

CUM.

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 10.00 10.00 10.00 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,406.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 116,599.7 120,006.2

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,406.50 3,406.50 3,406.50 3,406.50 3,406.50 3,406.50 3,406.50 3,406.50 3,406.50 3,406.50 120,006.27

BAND

CUM.

PERCENTAGE BAND

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.84 2.84 11568.6 3789.29 0.00 2.84 0.00 3168.21 0.00 2.84 0.00 2910.02 0.00 2.84 0.00 2771.22 0.00 2.84 0.00 1980.88 0.00 2.84 0.00 1868.54 0.00 2.84 0.00 1032.13 0.00 2.84 0.00 816.52 0.00 2.84 0.00 715.40 0.00 2.84 0.00 221.61 97.16 100.00 38.33 39.25 39.25

Page 15 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 203

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

Steelworks and rolling mills

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

49 3 6 3 6 7 4 5 5 5 3 6 2 9 3 8 20 12 21 14 191

49 52 58 61 67 74 78 83 88 93 96 102 104 113 116 124 144 156 177 191

BAND

25.65 1.57 3.14 1.57 3.14 3.66 2.09 2.62 2.62 2.62 1.57 3.14 1.05 4.71 1.57 4.19 10.47 6.28 10.99 7.33

CUM.

25.65 27.23 30.37 31.94 35.08 38.74 40.84 43.46 46.07 48.69 50.26 53.40 54.45 59.16 60.73 64.92 75.39 81.68 92.67 100.00

PERCENTAGE rp

165.54 0.54 1.07 3.61 5.93 8.74 5.66 8.12 8.40 15.52 28.89 28.26 6.05 55.02 26.38 32.17 184.28 145.49 203.78 721.02 1,654.48

165.54 166.08 167.15 170.76 176.69 185.43 191.09 199.21 207.62 223.14 252.03 280.29 286.34 341.35 367.73 399.90 584.18 729.67 933.45 1,654.48

BAND

10.01 0.03 0.06 0.22 0.36 0.53 0.34 0.49 0.51 0.94 1.75 1.71 0.37 3.33 1.59 1.94 11.14 8.79 12.32 43.58

PERCENTAGE

CUM.

10.01 10.04 10.10 10.32 10.68 11.21 11.55 12.04 12.55 13.49 15.23 16.94 17.31 20.63 22.23 24.17 35.31 44.10 56.42 100.00

2 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 2 10

2 2 2 2 2 2 2 2 2 2 3 3 3 3 3 3 3 3 5 15

BAND

13.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.33 66.67

CUM.

13.33 13.33 13.33 13.33 13.33 13.33 13.33 13.33 13.33 13.33 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 33.33 100.00

PERCENTAGE rp

352.37 352.37 0.00 352.37 0.00 352.37 0.00 352.37 0.00 352.37 0.00 352.37 0.00 352.37 0.00 352.37 0.00 352.37 0.00 352.37 63.08 415.46 0.00 415.46 0.00 415.46 0.00 415.46 0.00 415.46 0.00 415.46 0.00 415.46 0.00 415.46 119.46 534.91 51,516.19 52,051.10 52,051.10

BAND

0.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.23 98.97

CUM.

0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 1.03 100.00

PERCENTAGE BAND

CUM

212.86 212.86 0.00 212.17 0.00 210.81 0.00 206.35 0.00 199.43 0.00 190.03 0.00 184.40 0.00 176.88 0.00 169.72 0.00 157.92 218.34 164.85 0.00 148.22 0.00 145.09 0.00 121.71 0.00 112.98 0.00 103.89 0.00 71.12 0.00 56.94 58.62 57.30 7144.89 3146.08 3146.08

Page 16 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 2245

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

Vehicle assembling plants

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

54 11 20 7 11 8 7 5 5 14 22 14 23 17 7 43 66 15 73 146 568

54 65 85 92 103 111 118 123 128 142 164 178 201 218 225 268 334 349 422 568

BAND

CUM.

9.51 9.51 1.94 11.44 3.52 14.96 1.23 16.20 1.94 18.13 1.41 19.54 1.23 20.77 0.88 21.65 0.88 22.54 2.46 25.00 3.87 28.87 2.46 31.34 4.05 35.39 2.99 38.38 1.23 39.61 7.57 47.18 11.62 58.80 2.64 61.44 12.85 74.30 25.70 100.00

PERCENTAGE rp

95.92 95.92 12.44 108.36 1.00 109.36 1.95 111.31 2.77 114.08 4.46 118.54 6.37 124.92 9.64 134.56 2.86 137.42 10.82 148.24 2.03 150.27 39.87 190.14 34.78 224.92 129.54 354.46 63.26 417.72 231.03 648.75 194.37 843.12 169.14 1,012.26 149.92 1,162.18 191.04 1,353.21 1,353.21

BAND

7.09 0.92 0.07 0.14 0.20 0.33 0.47 0.71 0.21 0.80 0.15 2.95 2.57 9.57 4.67 17.07 14.36 12.50 11.08 14.12

CUM.

7.09 8.01 8.08 8.23 8.43 8.76 9.23 9.94 10.16 10.95 11.10 14.05 16.62 26.19 30.87 47.94 62.30 74.80 85.88 100.00

PERCENTAGE f

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

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

PERCENTAGE

BAND

CUM.

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

0.00 0.00 0.00 0.00 0.00 0.00 20.00 7.75 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 20.00 0.00 40.00 3,000.00 60.00 10,768.75 100.00 10.16 100.00 0.00 100.00 0.00 13,786.66

0.00 0.00 0.00 7.75 7.75 7.75 7.75 7.75 7.75 7.75 7.75 7.75 7.75 7.75 7.75 3,007.75 13,776.50 13,786.66 13,786.66 13,786.66

BAND

0.00 0.00 0.00 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 21.76 78.11 0.07 0.00 0.00

PERCENTAGE

CUM.

BAND

0.00 0.00 0.00 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 21.82 99.93 100.00 100.00 100.00

0.00 0.00 0.00 396.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1298.54 5540.33 6.01 0.00 0.00

CUM

0.00 0.00 0.00 6.96 6.79 6.53 6.20 5.76 5.64 5.23 5.15 4.07 3.44 2.19 1.85 463.62 1634.00 1361.97 1186.28 1018.81

1018.81

Page 17 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 2511

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

Paper manufacture

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

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

PERCENTAGE f

55 3 6 7 6 4 5 4 17 6 8 11 18 8 24 65 70 61 128 54

55 58 64 71 77 81 86 90 107 113 121 132 150 158 182 247 317 378 506 560

560

BAND

9.82 0.54 1.07 1.25 1.07 0.71 0.89 0.71 3.04 1.07 1.43 1.96 3.21 1.43 4.29 11.61 12.50 10.89 22.86 9.64

CUM.

9.82 10.36 11.43 12.68 13.75 14.46 15.36 16.07 19.11 20.18 21.61 23.57 26.79 28.21 32.50 44.11 56.61 67.50 90.36 100.00

PERCENTAGE rp

194.39 9.46 1.55 0.56 3.79 5.24 5.99 9.14 64.10 7.70 39.69 45.41 60.31 58.27 28.54 415.64 1,690.63 315.10 543.53 762.28 4,261.30

194.39 203.84 205.39 205.95 209.74 214.98 220.97 230.11 294.21 301.90 341.60 387.00 447.31 505.58 534.12 949.76 2,640.39 2,955.49 3,499.02 4,261.30

BAND

4.56 0.22 0.04 0.01 0.09 0.12 0.14 0.21 1.50 0.18 0.93 1.07 1.42 1.37 0.67 9.75 39.67 7.39 12.75 17.89

CUM.

4.56 4.78 4.82 4.83 4.92 5.04 5.19 5.40 6.90 7.08 8.02 9.08 10.50 11.86 12.53 22.29 61.96 69.36 82.11 100.00

PERCENTAGE f

0 0 0 0 0 0 0 0 0 0 0 0 2 0 0 1 0 2 1 5 11

0 0 0 0 0 0 0 0 0 0 0 0 2 2 2 3 3 5 6 11

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 18.18 18.18 0.00 18.18 0.00 18.18 9.09 27.27 0.00 27.27 18.18 45.45 9.09 54.55 45.45 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 878.88 0.00 0.00 2.50 0.00 68.77 22,715.68 22,767.69 46,433.51

BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 878.88 1.89 878.88 0.00 878.88 0.00 881.38 0.01 881.38 0.00 950.15 0.15 23,665.82 48.92 46,433.51 49.03

CUM.

PERCENTAGE BAND

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.89 1457.34 1.89 0.00 1.89 0.00 1.90 0.60 1.90 0.00 2.05 21.82 50.97 4179.31 100.00 2986.79

CUM

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 196.48 173.84 164.55 92.80 33.38 32.15 676.36 1089.66

1089.66

Page 18 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 2571

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

Leather

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

15 18 28 22 35 9 16 22 9 10 4 13 5 8 4 4 7 4 4 2 239

15 33 61 83 118 127 143 165 174 184 188 201 206 214 218 222 229 233 237 239

BAND

CUM.

6.28 6.28 7.53 13.81 11.72 25.52 9.21 34.73 14.64 49.37 3.77 53.14 6.69 59.83 9.21 69.04 3.77 72.80 4.18 76.99 1.67 78.66 5.44 84.10 2.09 86.19 3.35 89.54 1.67 91.21 1.67 92.89 2.93 95.82 1.67 97.49 1.67 99.16 0.84 100.00

PERCENTAGE rp

34.82 16.18 27.46 24.38 74.01 26.98 59.01 114.71 65.70 86.20 56.11 142.84 29.54 124.03 48.58 136.34 171.31 23.02 3,247.08 47.31 4,555.60

34.82 51.00 78.45 102.83 176.84 203.82 262.83 377.54 443.24 529.44 585.55 728.40 757.94 881.96 930.55 1,066.89 1,238.19 1,261.22 4,508.29 4,555.60

BAND

0.76 0.36 0.60 0.54 1.62 0.59 1.30 2.52 1.44 1.89 1.23 3.14 0.65 2.72 1.07 2.99 3.76 0.51 71.28 1.04

CUM.

0.76 1.12 1.72 2.26 3.88 4.47 5.77 8.29 9.73 11.62 12.85 15.99 16.64 19.36 20.43 23.42 27.18 27.68 98.96 100.00

PERCENTAGE f

BAND

CUM.

PERCENTAGE rp

BAND

CUM.

PERCENTAGE BAND

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

0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0.00 0.00 2 100.0 100.00 49,962.0 2 0.00 100.00 0.00 2 0.00 100.00 0.00 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 49,962.00 100.00 100.00 29165.2 49,962.00 0.00 100.00 0.00 49,962.00 0.00 100.00 0.00 49,962.00 0.00 100.00 0.00

49,962.0

1096.72

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 4035.08 3961.42 1108.22 1096.72

Page 19 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 281

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2009

15/09/2009

Conventional power station buildings with boiler houses

SUM INSURED BAND

NUMBER OF POLICIES

ORIGINAL PREMIUM (In Million Rp)

CLAIM FREQUENCY

CLAIM SEVERITY ( In Million Rp)

LOSS RATIO

(In Million) Mid Points From

PERCENTAGE f

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

13 3 3 1 4 3 3 8 4 3 1 3 7 9 4 11 11 14 34 64 203

BAND

CUM.

13 16 19 20 24 27 30 38 42 45 46 49 56 65 69 80 91 105 139 203

6.40 6.40 1.48 7.88 1.48 9.36 0.49 9.85 1.97 11.82 1.48 13.30 1.48 14.78 3.94 18.72 1.97 20.69 1.48 22.17 0.49 22.66 1.48 24.14 3.45 27.59 4.43 32.02 1.97 33.99 5.42 39.41 5.42 44.83 6.90 51.72 16.75 68.47 31.53 100.00

PERCENTAGE rp

110.35 0.18 10.60 0.79 2.66 2.11 4.66 14.49 9.26 7.09 4.37 7.95 0.96 71.99 19.86 139.36 153.84 134.60 739.36 1,094.23 2,528.70

110.35 110.53 121.13 121.92 124.58 126.68 131.35 145.84 155.10 162.19 166.56 174.50 175.46 247.45 267.31 406.67 560.52 695.11 1,434.47 2,528.70

BAND

4.36 0.01 0.42 0.03 0.11 0.08 0.18 0.57 0.37 0.28 0.17 0.31 0.04 2.85 0.79 5.51 6.08 5.32 29.24 43.27

CUM.

4.36 4.37 4.79 4.82 4.93 5.01 5.19 5.77 6.13 6.41 6.59 6.90 6.94 9.79 10.57 16.08 22.17 27.49 56.73 100.00

PERCENTAGE f

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

BAND

0 0 0 0 0 0 1 1 1 1 1 1 1 1 1 1 1 1 1 5

0.00 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 0.00 0.00 0.00 0.00 0.00 80.00

CUM.

0.00 0.00 0.00 0.00 0.00 0.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 20.00 100.00

PERCENTAGE rp

0.00 0.00 0.00 0.00 0.00 0.00 11.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 66,071.86 66,083.20

0.00 0.00 0.00 0.00 0.00 0.00 11.35 11.35 11.35 11.35 11.35 11.35 11.35 11.35 11.35 11.35 11.35 11.35 11.35 66,083.20

BAND

CUM.

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 0.02 0.02 243.25 8.64 0.00 0.02 0.00 7.78 0.00 0.02 0.00 7.32 0.00 0.02 0.00 7.00 0.00 0.02 0.00 6.81 0.00 0.02 0.00 6.50 0.00 0.02 0.00 6.47 0.00 0.02 0.00 4.59 0.00 0.02 0.00 4.24 0.00 0.02 0.00 2.79 0.00 0.02 0.00 2.02 0.00 0.02 0.00 1.63 0.00 0.02 0.00 0.79 99.98 100.00 6038.21 2613.33 2613.33

Page 20 of 20