Statistik bppdan edisi juni 2011 by Reasuransi Internasional Indonesia

EDI SIJUNI2011

BADANPENGELOLAPUSATDATAASURANSINASI ONAL

Jal anSal embaRayaNo.30 Jakar t a10430,I ndonesi a Phones :622131934208,3920101ext3161, 3163, 3164 Fax :6221391 1432 :bppdan@r Emai l ei ndo. co. i d HomePage:www. r ei ndo. co. i d/ bppdan

DAFTAR ISI TABEL GABUNGAN BAGIAN I : RISK AND LOSS PROFILE 2007

Halaman

I.1

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

I.2

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

2 3 4 5

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

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

I.3

I.4

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

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

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

PT. REASURANSI INTERNASIONAL INDONESIA (ReINDO) Jalan Salemba Raya 30. Jakarta Pusat 10430 P.O.Box 2635. Jkt 10026

BAGIAN II : RISK AND LOSS PROFILE 2008

Halaman

II.1

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

II.2

53 54 55 56

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

II.3

II.4

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

PT. REASURANSI INTERNASIONAL INDONESIA (ReINDO) Jalan Salemba Raya 30. Jakarta Pusat 10430 P.O.Box 2635. Jkt 10026

BAGIAN III : RISK AND LOSS PROFILE 2009

Halaman

III.1

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

103

III.2

104 105 106 107

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

III.3

III.4

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

PT. REASURANSI INTERNASIONAL INDONESIA (ReINDO) Jalan Salemba Raya 30. Jakarta Pusat 10430 P.O.Box 2635. Jkt 10026

BAGIAN IV : RISK AND LOSS PROFILE 2010

Halaman

IV.1

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

154

IV.2

155 156 157 158

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

IV.3

IV.4

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

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

GRAFIK

PT. REASURANSI INTERNASIONAL INDONESIA (ReINDO) Jalan Salemba Raya 30. Jakarta Pusat 10430 P.O.Box 2635. Jkt 10026

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 2007 - 2010 THE GROWTH OF POLICY, PREMIUM, CLAIM & LOSS RATIO FROM 2007 UP TO 2010 Premium and Claim in Million Rp UY 2007 OCCUPATION CODE

20 - Mining,Drilling, etc.

Number Policies

Premium

Number of Claim

UY 2008 Claim Incurred

% LOSS RATIO

Number Policies

Premium

UY 2009

Number of Claim

Claim Incurred

% LOSS RATIO

Number Policies

Premium

UY 2010

Number of Claim

Claim Incurred

% LOSS RATIO

Number Policies

Premium

Number of Claim

Claim Incurred

% LOSS RATIO

971

7,437.84

252

716,456.59

9,632.59

1,317

40,747.81

163

228,466.05

560.68

1,786

14,550.92

130

43,294.09

297.53

2,100

15,259.01

2,014.14

21 - Stones, Earth, etc.

1,967

14,992.23

193

26,976.25

179.93

2,079

12,127.18

175

33,328.46

274.82

2,983

196,575.72

110

64,427.47

32.77

3,022

17,631.70

593.64

3.37

22 - Metals

8,008

41,749.58

599

150,522.14

360.54

8,864

57,186.87

506

197,570.00

345.48

11,683

63,353.88

417

171,263.52

270.33

12,510

68,004.01

126

23,856.39

35.08 7.31

23 - Chemical / Oil / Gas

13.20

9,507

75,532.56

893

354,241.12

468.99

11,191

88,489.61

764

157,292.08

177.75

14,139

125,503.01

621

80,714.81

64.31

14,226

228,580.15

124

16,705.65

14,291

66,785.44

869

164,612.31

246.48

15,066

76,561.57

1,017

128,709.05

168.11

17,610

83,953.50

808

97,180.59

115.76

17,652

97,505.29

156

8,954.71

9.18

9,549

66,323.25

500

286,150.19

431.45

10,364

138,844.29

523

188,550.29

135.80

12,267

100,292.55

465

108,566.98

108.25

12,567

91,755.03

116

30,746.64

33.51

26 - Wood, Bamboo & Rattan

7,349

75,372.30

391

61,469.99

81.56

7,935

78,596.48

413

113,859.38

144.87

9,044

81,089.87

299

158,523.57

195.49

9,339

90,643.71

110

13,021.30

14.37

27 - Nutritional, Drinks & etc.

21,903

79,152.75

1,441

247,281.71

312.41

28,439

95,562.50

1,925

113,618.66

118.89

36,987

115,135.85

1,184

87,973.10

76.41

34,060

134,560.14

358

13,822.36

10.27

24 - Textiles 25 - Paper, Leather & Rubber

28 - Power & Heating

556

310,963.55

56,935.56

18.31

4,960

7,765.60

47,131.64

606.93

1,040

9,189.99

79,385.94

863.83

1,035

12,902.03

0.00

888,036

1,119,885.84

10,343

1,084,890.67

96.88

953,538

1,223,235.91

9,037

1,104,176.82

90.27

1,096,015

1,328,885.68

9,031

2,264,022.27

170.37

1,122,334

1,499,310.73

2,311

1,253,042.55

83.57

30 - Estate Plantation Risk

122

1,068.50

125.29

11.73

215

1,429.92

6.35

0.44

562

3,045.76

1,932.33

63.44

536

9,705.08

0.00

31 - Estate Plantation Risk

716

5,617.80

181

2,871.70

51.12

636

14,521.13

1,101.05

7.58

1,290

12,923.65

3,522.02

27.25

1,341

18,987.19

1,110.27

5.85

161

5,977.14

1,189.54

19.90

108

2,321.37

867.98

37.39

199

4,871.08

6,248.83

128.28

259

3,661.68

327.65

8.95

1,166

2,705.49

1,991.43

73.61

2,129

6,245.98

3,380.97

54.13

3,041

9,480.61

6,517.66

68.75

1,471

11,605.41

73.62

0.63

1,843,636.22

14,734

2,148,852.07

13,219

3,173,573.18

147.69

1,364,268.92

59.31

29 - Transport &Traffic, etc.

32 - Recreation Place 40 - Non Estate Plantation

964,302

1,873,564.27

15,785

3,155,714.49

168.43

1,046,841

2,318,058.78

125.73

1,208,646

1,232,452

2,300,111.16

3,412

Note : Data yang diterima hingga 15 Juni 2011 dan klaim-klaim yang terjadi sebagai berikut : (Data received up to 15 June 2011) and Claim Incured as follows) : Claim Settled (in Rp) 2,513,954,137,279.24 2,012,783,014,160.17 3,054,736,453,647.16 981,819,107,690.41

Number of Cases 15,058 13,799 12,462 3,194

Outstanding Claims (in Rp) 641,760,392,720.76 305,275,795,839.83 118,836,726,352.84 382,449,812,309.59

Number of Cases

Year

727 935 757

2007 2008 2009

218

2010

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

20 - Mining,Drilling, etc.

Number Policies

Premium

Number of Claim

UY 2008 Claim Incurred

% LOSS RATIO

Number Policies

Premium

UY 2009

Number of Claim

Claim Incurred

% LOSS RATIO

Number Policies

Premium

UY 2010

Number of Claim

Claim Incurred

% LOSS RATIO

Number Policies

Premium

Number of Claim

Claim Incurred

% LOSS RATIO

971

7,437.84

252

716,456.59

9,632.59

1,317

40,747.81

163

228,466.05

560.68

1,786

14,550.92

130

43,294.09

297.53

2,100

15,259.01

2,014.14

21 - Stones, Earth, etc.

1,967

14,992.23

193

26,976.25

179.93

2,079

12,127.18

175

33,328.46

274.82

2,983

196,575.72

110

64,427.47

32.77

3,022

17,631.70

593.64

3.37

22 - Metals

8,008

41,749.58

599

150,522.14

360.54

8,864

57,186.87

506

197,570.00

345.48

11,683

63,353.88

417

171,263.52

270.33

12,510

68,004.01

126

23,856.39

35.08 7.31

23 - Chemical / Oil / Gas

13.20

9,507

75,532.56

893

354,241.12

468.99

11,191

88,489.61

764

157,292.08

177.75

14,139

125,503.01

621

80,714.81

64.31

14,226

228,580.15

124

16,705.65

14,291

66,785.44

869

164,612.31

246.48

15,066

76,561.57

1,017

128,709.05

168.11

17,610

83,953.50

808

97,180.59

115.76

17,652

97,505.29

156

8,954.71

9.18

9,549

66,323.25

500

286,150.19

431.45

10,364

138,844.29

523

188,550.29

135.80

12,267

100,292.55

465

108,566.98

108.25

12,567

91,755.03

116

30,746.64

33.51

26 - Wood, Bamboo & Rattan

7,349

75,372.30

391

61,469.99

81.56

7,935

78,596.48

413

113,859.38

144.87

9,044

81,089.87

299

158,523.57

195.49

9,339

90,643.71

110

13,021.30

14.37

27 - Nutritional, Drinks & etc.

21,903

79,152.75

1,441

247,281.71

312.41

28,439

95,562.50

1,925

113,618.66

118.89

36,987

115,135.85

1,184

87,973.10

76.41

34,060

134,560.14

358

13,822.36

10.27

24 - Textiles 25 - Paper, Leather & Rubber

28 - Power & Heating

556

310,963.55

56,935.56

18.31

4,960

7,765.60

47,131.64

606.93

1,040

9,189.99

79,385.94

863.83

1,035

12,902.03

0.00

888,036

1,119,885.84

10,343

1,084,890.67

96.88

953,538

1,223,235.91

9,037

1,104,176.82

90.27

1,096,015

1,328,885.68

9,031

2,264,022.27

170.37

1,122,334

1,499,310.73

2,311

1,253,042.55

83.57

30 - Estate Plantation Risk

122

1,068.50

125.29

11.73

215

1,429.92

6.35

0.44

562

3,045.76

1,932.33

63.44

536

9,705.08

0.00

31 - Estate Plantation Risk

716

5,617.80

181

2,871.70

51.12

636

14,521.13

1,101.05

7.58

1,290

12,923.65

3,522.02

27.25

1,341

18,987.19

1,110.27

5.85

161

5,977.14

1,189.54

19.90

108

2,321.37

867.98

37.39

199

4,871.08

6,248.83

128.28

259

3,661.68

327.65

8.95

1,166

2,705.49

1,991.43

73.61

2,129

6,245.98

3,380.97

54.13

3,041

9,480.61

6,517.66

68.75

1,471

11,605.41

73.62

0.63

1,843,636.22

14,734

2,148,852.07

13,219

3,173,573.18

147.69

1,364,268.92

59.31

29 - Transport &Traffic, etc.

32 - Recreation Place 40 - Non Estate Plantation

964,302

1,873,564.27

15,785

3,155,714.49

168.43

1,046,841

2,318,058.78

125.73

1,208,646

1,232,452

2,300,111.16

3,412

Number of Cases 15,058 13,799 12,462 3,194

Outstanding Claims (in Rp) 641,760,392,720.76 305,275,795,839.83 118,836,726,352.84 382,449,812,309.59

Number of Cases

Year

727 935 757

2007 2008 2009

218

2010

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

DATA POSITION FROM

UNDERWRITING YEAR : 2007 OCCUPATION CODE

BAND

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

: All Code

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

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

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

165,331 153,772 182,748 112,055 120,171 61,677 42,977 33,688 19,333 10,327 8,314 9,598 6,517 8,416 5,478 8,582 7,041 3,401 3,522 1,354 964,302

165,331 319,103 501,851 613,906 734,077 795,754 838,731 872,419 891,752 902,079 910,393 919,991 926,508 934,924 940,402 948,984 956,025 959,426 962,948 964,302

17.15 17.15 15.95 33.09 18.95 52.04 11.62 63.66 12.46 76.13 6.40 82.52 4.46 86.98 3.49 90.47 2.00 92.48 1.07 93.55 0.86 94.41 1.00 95.40 0.68 96.08 0.87 96.95 0.57 97.52 0.89 98.41 0.73 99.14 0.35 99.49 0.37 99.86 0.14 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 86,798.86 38,421.47 73,719.68 74,569.97 115,494.90 83,613.64 83,670.62 84,311.96 63,046.40 43,742.11 38,761.69 52,598.90 41,783.37 69,891.45 50,524.52 112,824.86 122,611.27 71,570.15 98,954.17 466,654.28 1,873,564.27

86,798.86 125,220.34 198,940.02 273,509.99 389,004.89 472,618.53 556,289.15 640,601.11 703,647.51 747,389.62 786,151.31 838,750.21 880,533.58 950,425.04 1,000,949.55 1,113,774.41 1,236,385.69 1,307,955.83 1,406,910.00 1,873,564.28

4.63 4.63 2.05 6.68 3.93 10.62 3.98 14.60 6.16 20.76 4.46 25.23 4.47 29.69 4.50 34.19 3.37 37.56 2.33 39.89 2.07 41.96 2.81 44.77 2.23 47.00 3.73 50.73 2.70 53.42 6.02 59.45 6.54 65.99 3.82 69.81 5.28 75.09 24.91 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

1,996 513 760 735 1,053 726 608 752 465 296 292 461 475 651 474 890 1,088 971 1,192 1,387 15,785

1,996 2,509 3,269 4,004 5,057 5,783 6,391 7,143 7,608 7,904 8,196 8,657 9,132 9,783 10,257 11,147 12,235 13,206 14,398 15,785

01/01/2007

15/06/2011

DATE

15/10/2011

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

12.64 12.64 302,026.58 3.25 15.89 14,844.86 4.81 20.71 24,166.05 4.66 25.37 18,848.68 6.67 32.04 29,923.83 4.60 36.64 27,199.47 3.85 40.49 39,185.04 4.76 45.25 56,204.45 2.95 48.20 34,717.46 1.88 50.07 26,956.49 1.85 51.92 30,204.22 2.92 54.84 24,005.11 3.01 57.85 83,696.02 4.12 61.98 114,016.28 3.00 64.98 63,763.79 5.64 70.62 158,365.37 6.89 77.51 218,581.73 6.15 83.66 271,667.09 7.55 91.21 370,372.16 8.79 100.00 1,246,969.85 3,155,714.53

302,026.58 316,871.45 341,037.49 359,886.17 389,810.00 417,009.46 456,194.50 512,398.95 547,116.41 574,072.90 604,277.11 628,282.22 711,978.24 825,994.51 889,758.30 1,048,123.67 1,266,705.40 1,538,372.50 1,908,744.66 3,155,714.50

9.57 9.57 0.47 10.04 0.77 10.81 0.60 11.40 0.95 12.35 0.86 13.21 1.24 14.46 1.78 16.24 1.10 17.34 0.85 18.19 0.96 19.15 0.76 19.91 2.65 22.56 3.61 26.17 2.02 28.20 5.02 33.21 6.93 40.14 8.61 48.75 11.74 60.49 39.51 100.00

347.96 38.64 32.78 25.28 25.91 32.53 46.83 66.66 55.07 61.63 77.92 45.64 200.31 163.13 126.20 140.36 178.27 379.58 374.29 267.21

347.96 253.05 171.43 131.58 100.21 88.23 82.01 79.99 77.75 76.81 76.87 74.91 80.86 86.91 88.89 94.11 102.45 117.62 135.67 168.43

168.43

Page 1 of 204

RISK AND LOSS PROFILE 2007 GROUP BY CLASS OF BUSINESS

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

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: FIRE

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: All Code

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 141,477 145,297 171,257 102,494 106,231 50,862 33,490 24,160 12,773 6,320 4,794 5,197 3,246 3,907 2,345 3,114 2,241 911 1,005 484 821,605

141,477 286,774 458,031 560,525 666,756 717,618 751,108 775,268 788,041 794,361 799,155 804,352 807,598 811,505 813,850 816,964 819,205 820,116 821,121 821,605

17.22 17.68 20.84 12.47 12.93 6.19 4.08 2.94 1.55 0.77 0.58 0.63 0.40 0.48 0.29 0.38 0.27 0.11 0.12 0.06

17.22 34.90 55.75 68.22 81.15 87.34 91.42 94.36 95.91 96.68 97.27 97.90 98.30 98.77 99.06 99.44 99.71 99.82 99.94 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 47,340.38 33,457.70 69,917.12 69,889.71 105,266.09 73,264.32 70,342.04 66,717.81 47,375.72 31,830.51 27,168.46 34,507.26 26,119.57 37,354.76 26,406.24 48,948.58 47,564.79 20,297.98 27,816.06 11,041.32 922,626.42

47,340.38 80,798.08 150,715.20 220,604.92 325,871.00 399,135.32 469,477.37 536,195.17 583,570.89 615,401.40 642,569.87 677,077.12 703,196.69 740,551.45 766,957.69 815,906.27 863,471.06 883,769.04 911,585.10 922,626.42

5.13 3.63 7.58 7.58 11.41 7.94 7.62 7.23 5.13 3.45 2.94 3.74 2.83 4.05 2.86 5.31 5.16 2.20 3.01 1.20

5.13 8.76 16.34 23.91 35.32 43.26 50.88 58.12 63.25 66.70 69.65 73.39 76.22 80.27 83.13 88.43 93.59 95.79 98.80 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 797 291 488 393 557 371 255 307 189 126 106 124 149 156 129 257 213 140 163 170 5,381

797 1,088 1,576 1,969 2,526 2,897 3,152 3,459 3,648 3,774 3,880 4,004 4,153 4,309 4,438 4,695 4,908 5,048 5,211 5,381

14.81 5.41 9.07 7.30 10.35 6.89 4.74 5.71 3.51 2.34 1.97 2.30 2.77 2.90 2.40 4.78 3.96 2.60 3.03 3.16

14.81 20.22 29.29 36.59 46.94 53.84 58.58 64.28 67.79 70.14 72.11 74.41 77.18 80.08 82.48 87.25 91.21 93.81 96.84 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 35,120.47 6,061.60 21,261.63 15,690.15 22,380.51 18,653.30 24,704.48 36,355.77 21,006.11 20,165.80 11,121.02 12,084.20 13,822.87 22,855.10 25,360.73 28,187.98 48,406.34 91,092.62 67,929.00 13,461.00 555,720.69

35,120.47 41,182.06 62,443.70 78,133.85 100,514.36 119,167.66 143,872.15 180,227.92 201,234.03 221,399.83 232,520.85 244,605.05 258,427.93 281,283.02 306,643.75 334,831.73 383,238.08 474,330.70 542,259.70 555,720.69

6.32 1.09 3.83 2.82 4.03 3.36 4.45 6.54 3.78 3.63 2.00 2.17 2.49 4.11 4.56 5.07 8.71 16.39 12.22 2.42

6.32 7.41 11.24 14.06 18.09 21.44 25.89 32.43 36.21 39.84 41.84 44.02 46.50 50.62 55.18 60.25 68.96 85.35 97.58 100.00

74.19 18.12 30.41 22.45 21.26 25.46 35.12 54.49 44.34 63.35 40.93 35.02 52.92 61.18 96.04 57.59 101.77 448.78 244.21 121.91

74.19 50.97 41.43 35.42 30.84 29.86 30.65 33.61 34.48 35.98 36.19 36.13 36.75 37.98 39.98 41.04 44.38 53.67 59.49 60.23

60.23

Page 2 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: INDUSTRIAL ALL RISK (IAR)

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: All Code

BAND

SUM INSURED (In Million) From To

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

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 15,620 5,902 7,469 6,659 10,143 7,800 6,816 6,733 4,497 2,744 2,332 2,990 2,099 2,850 1,944 3,472 2,983 1,561 1,540 511 96,665

15,620 21,522 28,991 35,650 45,793 53,593 60,409 67,142 71,639 74,383 76,715 79,705 81,804 84,654 86,598 90,070 93,053 94,614 96,154 96,665

16.16 6.11 7.73 6.89 10.49 8.07 7.05 6.97 4.65 2.84 2.41 3.09 2.17 2.95 2.01 3.59 3.09 1.61 1.59 0.53

16.16 22.26 29.99 36.88 47.37 55.44 62.49 69.46 74.11 76.95 79.36 82.45 84.63 87.57 89.59 93.18 96.26 97.88 99.47 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 18,930.38 3,836.47 2,467.75 3,069.15 7,809.65 7,663.20 10,206.25 13,203.31 11,713.27 8,735.77 8,604.87 13,680.42 11,375.09 23,814.91 16,530.36 43,066.03 48,189.47 33,096.68 41,641.60 430,598.50 758,233.14

18,930.38 22,766.85 25,234.59 28,303.74 36,113.39 43,776.59 53,982.84 67,186.15 78,899.42 87,635.19 96,240.07 109,920.49 121,295.58 145,110.50 161,640.86 204,706.88 252,896.35 285,993.03 327,634.64 758,233.14

2.50 0.51 0.33 0.40 1.03 1.01 1.35 1.74 1.54 1.15 1.13 1.80 1.50 3.14 2.18 5.68 6.36 4.36 5.49 56.79

2.50 3.00 3.33 3.73 4.76 5.77 7.12 8.86 10.41 11.56 12.69 14.50 16.00 19.14 21.32 27.00 33.35 37.72 43.21 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 1,159 215 250 318 451 333 327 429 249 161 174 319 298 374 325 584 831 815 993 1,205 9,810

1,159 1,374 1,624 1,942 2,393 2,726 3,053 3,482 3,731 3,892 4,066 4,385 4,683 5,057 5,382 5,966 6,797 7,612 8,605 9,810

11.81 2.19 2.55 3.24 4.60 3.39 3.33 4.37 2.54 1.64 1.77 3.25 3.04 3.81 3.31 5.95 8.47 8.31 10.12 12.28

11.81 14.01 16.55 19.80 24.39 27.79 31.12 35.49 38.03 39.67 41.45 44.70 47.74 51.55 54.86 60.82 69.29 77.59 87.72 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 266,487.56 8,476.10 2,822.34 3,039.53 7,226.40 8,093.50 14,208.06 19,141.99 12,017.22 5,564.00 19,017.95 11,666.52 69,470.60 90,407.26 37,516.43 125,743.05 161,611.66 178,623.73 301,884.62 1,232,639.57 2,575,658.11

266,487.56 274,963.67 277,786.01 280,825.54 288,051.94 296,145.44 310,353.51 329,495.49 341,512.71 347,076.71 366,094.66 377,761.18 447,231.78 537,639.04 575,155.47 700,898.52 862,510.18 1,041,133.91 1,343,018.53 2,575,658.11

10.35 0.33 0.11 0.12 0.28 0.31 0.55 0.74 0.47 0.22 0.74 0.45 2.70 3.51 1.46 4.88 6.27 6.94 11.72 47.86

LOSS RATIO PERCENTAGE BAND CUM.

10.35 1,407.72 1,407.72 10.68 220.94 1,207.74 10.79 114.37 1,100.81 10.90 99.04 992.19 11.18 92.53 797.63 11.50 105.62 676.49 12.05 139.21 574.91 12.79 144.98 490.42 13.26 102.59 432.85 13.48 63.69 396.05 14.21 221.01 380.40 14.67 85.28 343.67 17.36 610.73 368.71 20.87 379.62 370.50 22.33 226.95 355.82 27.21 291.98 342.39 33.49 335.37 341.05 40.42 539.70 364.04 52.14 724.96 409.91 100.00 286.26 339.69 339.69

Page 3 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: LOST OF PROFIT (LOP)

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: All Code

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 14 10 51 13 16 26 10 26 21 14 15 9 12 33 23 36 53 36 29 10 457

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

3.06 2.19 11.16 2.84 3.50 5.69 2.19 5.69 4.60 3.06 3.28 1.97 2.63 7.22 5.03 7.88 11.60 7.88 6.35 2.19

3.06 5.25 16.41 19.26 22.76 28.45 30.63 36.32 40.92 43.98 47.26 49.23 51.86 59.08 64.11 71.99 83.59 91.47 97.81 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5.86 3.78 2.90 6.09 9.72 14.53 11.76 59.57 63.22 25.43 45.36 40.70 68.18 186.49 96.30 333.05 486.77 573.22 272.76 817.02 3,122.71

5.86 9.64 12.54 18.63 28.35 42.88 54.64 114.21 177.43 202.86 248.22 288.92 357.10 543.59 639.89 972.94 1,459.71 2,032.93 2,305.70 3,122.71

0.19 0.12 0.09 0.19 0.31 0.47 0.38 1.91 2.02 0.81 1.45 1.30 2.18 5.97 3.08 10.67 15.59 18.36 8.73 26.16

0.19 0.31 0.40 0.60 0.91 1.37 1.75 3.66 5.68 6.50 7.95 9.25 11.44 17.41 20.49 31.16 46.75 65.10 73.84 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 5 0 0 4 0 2 0 0 0 0 0 0 3 0 0 14 2 0 24 0 54

5 5 5 9 9 11 11 11 11 11 11 11 14 14 14 28 30 30 54 54

9.26 0.00 0.00 7.41 0.00 3.70 0.00 0.00 0.00 0.00 0.00 0.00 5.56 0.00 0.00 25.93 3.70 0.00 44.44 0.00

9.26 9.26 9.26 16.67 16.67 20.37 20.37 20.37 20.37 20.37 20.37 20.37 25.93 25.93 25.93 51.85 55.56 55.56 100.00 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 163.41 0.00 0.00 10.28 0.00 5.38 0.00 0.00 0.00 0.00 0.00 0.00 46.85 0.00 0.00 398.67 7.27 0.00 504.94 0.00 1,136.80

163.41 163.41 163.41 173.69 173.69 179.07 179.07 179.07 179.07 179.07 179.07 179.07 225.91 225.91 225.91 624.59 631.86 631.86 1,136.80 1,136.80

14.37 0.00 0.00 0.90 0.00 0.47 0.00 0.00 0.00 0.00 0.00 0.00 4.12 0.00 0.00 35.07 0.64 0.00 44.42 0.00

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

LOSS RATIO PERCENTAGE BAND CUM. 2,788.88 0.00 0.00 168.91 0.00 36.99 0.00 0.00 0.00 0.00 0.00 0.00 68.71 0.00 0.00 119.70 1.49 0.00 185.12 0.00

2,788.88 1,695.37 1,303.07 932.41 612.68 417.61 327.75 156.79 100.92 88.27 72.14 61.98 63.26 41.56 35.31 64.20 43.29 31.08 49.30 36.40

36.40

Page 4 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: EARTHQUAKE

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: All Code

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 8,220 2,563 3,971 2,889 3,781 2,989 2,661 2,769 2,042 1,249 1,173 1,402 1,160 1,626 1,166 1,960 1,764 893 948 349 45,575

8,220 10,783 14,754 17,643 21,424 24,413 27,074 29,843 31,885 33,134 34,307 35,709 36,869 38,495 39,661 41,621 43,385 44,278 45,226 45,575

18.04 5.62 8.71 6.34 8.30 6.56 5.84 6.08 4.48 2.74 2.57 3.08 2.55 3.57 2.56 4.30 3.87 1.96 2.08 0.77

18.04 23.66 32.37 38.71 47.01 53.57 59.41 65.48 69.96 72.70 75.28 78.35 80.90 84.47 87.02 91.32 95.19 97.15 99.23 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 20,522.25 1,123.52 1,331.91 1,605.02 2,409.44 2,671.59 3,110.57 4,331.27 3,894.19 3,150.40 2,942.99 4,370.52 4,220.53 8,535.29 7,491.63 20,477.20 26,370.24 17,602.27 29,223.74 24,197.44 189,582.01

20,522.25 21,645.77 22,977.68 24,582.71 26,992.15 29,663.74 32,774.30 37,105.57 40,999.76 44,150.17 47,093.16 51,463.68 55,684.21 64,219.49 71,711.12 92,188.32 118,558.56 136,160.83 165,384.57 189,582.01

10.82 0.59 0.70 0.85 1.27 1.41 1.64 2.28 2.05 1.66 1.55 2.31 2.23 4.50 3.95 10.80 13.91 9.28 15.41 12.76

10.82 11.42 12.12 12.97 14.24 15.65 17.29 19.57 21.63 23.29 24.84 27.15 29.37 33.87 37.83 48.63 62.54 71.82 87.24 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 35 7 22 20 45 20 26 16 27 9 12 18 25 121 20 35 42 16 12 12 540

35 42 64 84 129 149 175 191 218 227 239 257 282 403 423 458 500 516 528 540

6.48 1.30 4.07 3.70 8.33 3.70 4.81 2.96 5.00 1.67 2.22 3.33 4.63 22.41 3.70 6.48 7.78 2.96 2.22 2.22

6.48 7.78 11.85 15.56 23.89 27.59 32.41 35.37 40.37 42.04 44.26 47.59 52.22 74.63 78.33 84.81 92.59 95.56 97.78 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 255.15 307.16 82.07 108.71 316.92 447.29 272.49 706.69 1,694.12 1,226.69 65.25 254.39 355.70 753.92 886.62 4,035.67 8,556.46 1,950.74 53.60 869.28 23,198.90

255.15 562.31 644.38 753.09 1,070.00 1,517.29 1,789.78 2,496.47 4,190.59 5,417.29 5,482.54 5,736.92 6,092.62 6,846.54 7,733.16 11,768.83 20,325.29 22,276.03 22,329.63 23,198.90

1.10 1.32 0.35 0.47 1.37 1.93 1.17 3.05 7.30 5.29 0.28 1.10 1.53 3.25 3.82 17.40 36.88 8.41 0.23 3.75

1.10 2.42 2.78 3.25 4.61 6.54 7.71 10.76 18.06 23.35 23.63 24.73 26.26 29.51 33.33 50.73 87.61 96.02 96.25 100.00

LOSS RATIO PERCENTAGE BAND CUM. 1.24 27.34 6.16 6.77 13.15 16.74 8.76 16.32 43.50 38.94 2.22 5.82 8.43 8.83 11.83 19.71 32.45 11.08 0.18 3.59

1.24 2.60 2.80 3.06 3.96 5.11 5.46 6.73 10.22 12.27 11.64 11.15 10.94 10.66 10.78 12.77 17.14 16.36 13.50 12.24

12.24

Page 5 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, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 20

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2011

DATE

15/10/2011

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

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES ORIGINAL PREMIUM (In Million Rp) PERCENTAGE PERCENTAGE f F rp RP BAND CUM. BAND CUM. 164 37 40 31 54 39 34 38 33 23 30 29 36 29 25 63 74 41 67 84 971

164 201 241 272 326 365 399 437 470 493 523 552 588 617 642 705 779 820 887 971

16.89 3.81 4.12 3.19 5.56 4.02 3.50 3.91 3.40 2.37 3.09 2.99 3.71 2.99 2.57 6.49 7.62 4.22 6.90 8.65

16.89 20.70 24.82 28.01 33.57 37.59 41.09 45.01 48.40 50.77 53.86 56.85 60.56 63.54 66.12 72.61 80.23 84.45 91.35 100.00

894.03 44.09 17.09 15.56 31.86 65.13 72.16 185.68 92.70 52.62 110.62 148.32 188.17 290.90 262.12 855.05 846.07 834.38 635.98 1,795.28 7,437.84

894.03 938.12 955.22 970.78 1,002.64 1,067.77 1,139.93 1,325.61 1,418.31 1,470.94 1,581.56 1,729.89 1,918.05 2,208.95 2,471.08 3,326.13 4,172.20 5,006.58 5,642.56 7,437.84

12.02 12.02 0.59 12.61 0.23 12.84 0.21 13.05 0.43 13.48 0.88 14.36 0.97 15.33 2.50 17.82 1.25 19.07 0.71 19.78 1.49 21.26 1.99 23.26 2.53 25.79 3.91 29.70 3.52 33.22 11.50 44.72 11.38 56.09 11.22 67.31 8.55 75.86 24.14 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 0 3 0 0 5 3 2 3 0 6 4 0 0 14 7 6 6 22 167 252

4 4 7 7 7 12 15 17 20 20 26 30 30 30 44 51 57 63 85 252

1.59 1.59 0.00 1.59 1.19 2.78 0.00 2.78 0.00 2.78 1.98 4.76 1.19 5.95 0.79 6.75 1.19 7.94 0.00 7.94 2.38 10.32 1.59 11.90 0.00 11.90 0.00 11.90 5.56 17.46 2.78 20.24 2.38 22.62 2.38 25.00 8.73 33.73 66.27 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 22.39 0.00 145.31 0.00 0.00 778.95 52.87 0.80 221.75 0.00 74.44 267.42 0.00 0.00 981.97 238.58 298.33 24.11 624.33 712,725.34 716,456.59

22.39 0.00 22.39 0.00 167.70 0.02 167.70 0.00 167.70 0.00 946.65 0.11 999.52 0.01 1,000.31 0.00 1,222.06 0.03 1,222.06 0.00 1,296.50 0.01 1,563.93 0.04 1,563.93 0.00 1,563.93 0.00 2,545.90 0.14 2,784.48 0.03 3,082.81 0.04 3,106.93 0.00 3,731.25 0.09 716,456.59 99.48

LOSS RATIO PERCENTAGE BAND CUM.

0.00 2.50 0.00 0.00 0.02 850.16 0.02 0.00 0.02 0.00 0.13 1,195.99 0.14 73.26 0.14 0.43 0.17 239.20 0.17 0.00 0.18 67.29 0.22 180.30 0.22 0.00 0.22 0.00 0.36 374.62 0.39 27.90 0.43 35.26 0.43 2.89 0.52 98.17 100.00 39,699.95

2.50 2.39 17.56 17.27 16.73 88.66 87.68 75.46 86.16 83.08 81.98 90.41 81.54 70.80 103.03 83.72 73.89 62.06 66.13 9,632.59

9,632.59

Page 6 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2011

DATE

15/10/2011

Stone, Earth, (Animal) Bones or Shells (Batuan, Tanah, Tulang/Rangka Hewan)

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 258 87 132 97 112 106 93 112 67 50 44 69 49 88 63 107 147 79 153 54 1,967

258 345 477 574 686 792 885 997 1,064 1,114 1,158 1,227 1,276 1,364 1,427 1,534 1,681 1,760 1,913 1,967

13.12 4.42 6.71 4.93 5.69 5.39 4.73 5.69 3.41 2.54 2.24 3.51 2.49 4.47 3.20 5.44 7.47 4.02 7.78 2.75

13.12 17.54 24.25 29.18 34.88 40.26 44.99 50.69 54.09 56.63 58.87 62.38 64.87 69.34 72.55 77.99 85.46 89.48 97.25 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 543.41 48.60 70.81 68.44 85.64 114.69 148.67 303.00 235.46 131.74 143.87 270.90 188.42 469.77 291.70 1,136.14 1,463.11 638.69 1,079.50 7,559.65 14,992.23

543.41 3.62 3.62 592.00 0.32 3.95 662.82 0.47 4.42 731.26 0.46 4.88 816.90 0.57 5.45 931.59 0.76 6.21 1,080.26 0.99 7.21 1,383.26 2.02 9.23 1,618.72 1.57 10.80 1,750.47 0.88 11.68 1,894.34 0.96 12.64 2,165.24 1.81 14.44 2,353.66 1.26 15.70 2,823.43 3.13 18.83 3,115.13 1.95 20.78 4,251.28 7.58 28.36 5,714.38 9.76 38.12 6,353.08 4.26 42.38 7,432.58 7.20 49.58 14,992.23 50.42 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 24 0 0 5 0 0 2 3 2 0 0 5 2 0 2 9 11 23 47 58 193

24 24 24 29 29 29 31 34 36 36 36 41 43 43 45 54 65 88 135 193

12.44 12.44 0.00 12.44 0.00 12.44 2.59 15.03 0.00 15.03 0.00 15.03 1.04 16.06 1.55 17.62 1.04 18.65 0.00 18.65 0.00 18.65 2.59 21.24 1.04 22.28 0.00 22.28 1.04 23.32 4.66 27.98 5.70 33.68 11.92 45.60 24.35 69.95 30.05 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,907.17 0.00 0.00 310.08 0.00 0.00 6.38 134.86 15.28 0.00 0.00 811.98 39.66 0.00 210.84 63.75 839.88 1,140.70 1,308.59 20,187.08 26,976.25

1,907.17 7.07 1,907.17 0.00 1,907.17 0.00 2,217.25 1.15 2,217.25 0.00 2,217.25 0.00 2,223.62 0.02 2,358.49 0.50 2,373.76 0.06 2,373.76 0.00 2,373.76 0.00 3,185.75 3.01 3,225.41 0.15 3,225.41 0.00 3,436.25 0.78 3,500.01 0.24 4,339.89 3.11 5,480.59 4.23 6,789.18 4.85 26,976.25 74.83

7.07 7.07 7.07 8.22 8.22 8.22 8.24 8.74 8.80 8.80 8.80 11.81 11.96 11.96 12.74 12.97 16.09 20.32 25.17 100.00

LOSS RATIO PERCENTAGE BAND CUM. 350.97 0.00 0.00 453.07 0.00 0.00 4.29 44.51 6.49 0.00 0.00 299.73 21.05 0.00 72.28 5.61 57.40 178.60 121.22 267.04

350.97 322.15 287.74 303.21 271.42 238.01 205.84 170.50 146.64 135.61 125.31 147.13 137.04 114.24 110.31 82.33 75.95 86.27 91.34 179.93

179.93

Page 7 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2011

DATE

15/10/2011

Metals (Logam)

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 700 293 431 342 549 441 417 469 346 299 226 324 258 393 269 613 647 339 410 242 8,008

700 993 1,424 1,766 2,315 2,756 3,173 3,642 3,988 4,287 4,513 4,837 5,095 5,488 5,757 6,370 7,017 7,356 7,766 8,008

8.74 3.66 5.38 4.27 6.86 5.51 5.21 5.86 4.32 3.73 2.82 4.05 3.22 4.91 3.36 7.65 8.08 4.23 5.12 3.02

8.74 12.40 17.78 22.05 28.91 34.42 39.62 45.48 49.80 53.53 56.36 60.40 63.62 68.53 71.89 79.55 87.62 91.86 96.98 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,349.73 98.06 159.91 175.98 463.26 435.58 771.21 889.64 979.02 850.93 900.14 1,585.98 1,407.30 2,530.73 2,039.78 6,957.35 8,375.95 4,471.23 4,150.08 1,157.69 41,749.58

3,349.73 8.02 8.02 3,447.80 0.23 8.26 3,607.71 0.38 8.64 3,783.69 0.42 9.06 4,246.95 1.11 10.17 4,682.53 1.04 11.22 5,453.74 1.85 13.06 6,343.38 2.13 15.19 7,322.41 2.34 17.54 8,173.34 2.04 19.58 9,073.49 2.16 21.73 10,659.47 3.80 25.53 12,066.76 3.37 28.90 14,597.50 6.06 34.96 16,637.28 4.89 39.85 23,594.63 16.66 56.51 31,970.58 20.06 76.58 36,441.81 10.71 87.29 40,591.89 9.94 97.23 41,749.58 2.77 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 111 2 8 9 2 9 4 18 9 16 4 5 21 23 16 74 82 64 73 49 599

111 113 121 130 132 141 145 163 172 188 192 197 218 241 257 331 413 477 550 599

18.53 18.53 0.33 18.86 1.34 20.20 1.50 21.70 0.33 22.04 1.50 23.54 0.67 24.21 3.01 27.21 1.50 28.71 2.67 31.39 0.67 32.05 0.83 32.89 3.51 36.39 3.84 40.23 2.67 42.90 12.35 55.26 13.69 68.95 10.68 79.63 12.19 91.82 8.18 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 5,972.05 8.72 104.74 200.97 16.68 1,127.07 341.72 409.56 2,816.68 1,333.02 41.26 205.74 895.55 6,031.70 450.76 4,557.49 40,739.01 1,477.85 78,473.70 5,317.89 150,522.14

5,972.05 3.97 5,980.77 0.01 6,085.51 0.07 6,286.47 0.13 6,303.16 0.01 7,430.22 0.75 7,771.94 0.23 8,181.51 0.27 10,998.19 1.87 12,331.20 0.89 12,372.46 0.03 12,578.20 0.14 13,473.76 0.59 19,505.45 4.01 19,956.21 0.30 24,513.70 3.03 65,252.71 27.07 66,730.55 0.98 145,204.25 52.13 150,522.14 3.53

LOSS RATIO PERCENTAGE BAND CUM.

3.97 178.28 3.97 8.90 4.04 65.50 4.18 114.20 4.19 3.60 4.94 258.75 5.16 44.31 5.44 46.04 7.31 287.70 8.19 156.65 8.22 4.58 8.36 12.97 8.95 63.64 12.96 238.34 13.26 22.10 16.29 65.51 43.35 486.38 44.33 33.05 96.47 1,890.89 100.00 459.35

178.28 173.47 168.68 166.15 148.42 158.68 142.51 128.98 150.20 150.87 136.36 118.00 111.66 133.62 119.95 103.90 204.10 183.12 357.72 360.54

360.54

Page 8 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2011

DATE

15/10/2011

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

BAND

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

SUM INSURED (In Million) From To 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 00 100 200 300 500 750 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 above TOTAL

Mid Points

25 5 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 990 215 334 343 601 593 561 651 471 351 370 438 375 565 381 749 659 319 341 200 9,507

990 , 1,205 1,539 1,882 2,483 3,076 3,637 4,288 4,759 5,110 5,480 5,918 6,293 6,858 7,239 7,988 8,647 8,966 9,307 9,507

10.41 2.26 3.51 3.61 6.32 6.24 5.90 6.85 4.95 3.69 3.89 4.61 3.94 5.94 4.01 7.88 6.93 3.36 3.59 2.10

10.41 12.67 16.19 19.80 26.12 32.36 38.26 45.10 50.06 53.75 57.64 62.25 66.19 72.14 76.14 84.02 90.95 94.31 97.90 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

5,429.32 250.15 383.93 429.15 873.10 1,090.72 1,396.69 2,035.90 2,123.21 1,923.36 1,958.53 2,815.19 2,953.03 5,350.63 4,352.98 10,089.14 13,828.88 5,631.24 5,029.19 7,588.23

157 15 11 21 13 23 10 41 37 23 32 17 31 26 46 99 106 55 100 30

75,532.56

5,429.32 , 5,679.47 6,063.40 6,492.55 7,365.65 8,456.38 9,853.06 11,888.96 14,012.17 15,935.53 17,894.06 20,709.25 23,662.28 29,012.91 33,365.88 43,455.02 57,283.91 62,915.14 67,944.33 75,532.56

7.19 0.33 0.51 0.57 1.16 1.44 1.85 2.70 2.81 2.55 2.59 3.73 3.91 7.08 5.76 13.36 18.31 7.46 6.66 10.05

7.19 7.52 8.03 8.60 9.75 11.20 13.04 15.74 18.55 21.10 23.69 27.42 31.33 38.41 44.17 57.53 75.84 83.30 89.95 100.00

893

157 172 183 204 217 240 250 291 328 351 383 400 431 457 503 602 708 763 863 893

17.58 1.68 1.23 2.35 1.46 2.58 1.12 4.59 4.14 2.58 3.58 1.90 3.47 2.91 5.15 11.09 11.87 6.16 11.20 3.36

17.58 19.26 20.49 22.84 24.30 26.88 28.00 32.59 36.73 39.31 42.89 44.79 48.26 51.18 56.33 67.41 79.28 85.44 96.64 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 178,334.67 , 5,997.27 436.45 729.67 538.85 406.10 1,950.28 5,039.49 4,933.98 3,024.49 9,604.11 3,502.51 3,704.39 5,573.16 3,787.61 45,682.55 35,626.03 3,700.02 25,728.36 15,941.14 354,241.12

178,334.67 , 184,331.94 184,768.39 185,498.05 186,036.90 186,443.01 188,393.29 193,432.78 198,366.76 201,391.25 210,995.36 214,497.87 218,202.26 223,775.42 227,563.03 273,245.58 308,871.61 312,571.63 338,299.98 354,241.12

50.34 1.69 0.12 0.21 0.15 0.11 0.55 1.42 1.39 0.85 2.71 0.99 1.05 1.57 1.07 12.90 10.06 1.04 7.26 4.50

50.34 52.04 52.16 52.36 52.52 52.63 53.18 54.60 56.00 56.85 59.56 60.55 61.60 63.17 64.24 77.14 87.19 88.24 95.50 100.00

LOSS RATIO PERCENTAGE BAND CUM. 3,284.66 , 2,397.46 113.68 170.03 61.72 37.23 139.64 247.53 232.38 157.25 490.37 124.41 125.44 104.16 87.01 452.79 257.62 65.71 511.58 210.08

3,284.66 , 3,245.58 3,047.27 2,857.09 2,525.74 2,204.76 1,912.03 1,626.99 1,415.67 1,263.79 1,179.14 1,035.76 922.15 771.30 682.02 628.80 539.19 496.81 497.91 468.99

468.99

Page 9 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2011

DATE

15/10/2011

Textiles (Tekstil)

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,201 955 1,689 1,359 1,775 1,081 812 773 587 349 329 378 299 378 247 562 581 329 446 161 14,291

1,201 2,156 3,845 5,204 6,979 8,060 8,872 9,645 10,232 10,581 10,910 11,288 11,587 11,965 12,212 12,774 13,355 13,684 14,130 14,291

8.40 6.68 11.82 9.51 12.42 7.56 5.68 5.41 4.11 2.44 2.30 2.65 2.09 2.65 1.73 3.93 4.07 2.30 3.12 1.13

8.40 15.09 26.91 36.41 48.83 56.40 62.08 67.49 71.60 74.04 76.34 78.99 81.08 83.72 85.45 89.38 93.45 95.75 98.87 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,447.35 400.55 1,003.48 1,308.41 2,484.84 2,073.10 2,096.26 2,570.81 2,269.57 1,609.24 1,769.47 2,426.63 2,042.57 3,140.61 2,406.11 7,975.48 9,703.85 4,447.81 7,515.45 6,093.87 66,785.44

3,447.35 5.16 5.16 3,847.90 0.60 5.76 4,851.38 1.50 7.26 6,159.78 1.96 9.22 8,644.62 3.72 12.94 10,717.72 3.10 16.05 12,813.98 3.14 19.19 15,384.79 3.85 23.04 17,654.36 3.40 26.43 19,263.60 2.41 28.84 21,033.06 2.65 31.49 23,459.69 3.63 35.13 25,502.26 3.06 38.19 28,642.87 4.70 42.89 31,048.98 3.60 46.49 39,024.45 11.94 58.43 48,728.30 14.53 72.96 53,176.11 6.66 79.62 60,691.56 11.25 90.88 66,785.44 9.12 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 72 7 11 8 4 8 24 38 17 12 10 20 37 49 35 94 136 115 102 70 869

72 79 90 98 102 110 134 172 189 201 211 231 268 317 352 446 582 697 799 869

8.29 8.29 0.81 9.09 1.27 10.36 0.92 11.28 0.46 11.74 0.92 12.66 2.76 15.42 4.37 19.79 1.96 21.75 1.38 23.13 1.15 24.28 2.30 26.58 4.26 30.84 5.64 36.48 4.03 40.51 10.82 51.32 15.65 66.97 13.23 80.21 11.74 91.94 8.06 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 16,379.26 473.41 303.48 186.46 78.62 126.91 2,459.70 1,749.34 869.41 590.63 241.59 1,008.91 72.86 3,663.90 632.51 2,776.52 4,771.92 3,752.62 117,296.94 7,177.33 164,612.31

16,379.26 9.95 16,852.67 0.29 17,156.15 0.18 17,342.61 0.11 17,421.22 0.05 17,548.13 0.08 20,007.83 1.49 21,757.17 1.06 22,626.57 0.53 23,217.20 0.36 23,458.79 0.15 24,467.70 0.61 24,540.56 0.04 28,204.46 2.23 28,836.97 0.38 31,613.49 1.69 36,385.42 2.90 40,138.04 2.28 157,434.98 71.26 164,612.31 4.36

LOSS RATIO PERCENTAGE BAND CUM.

9.95 475.13 475.13 10.24 118.19 437.97 10.42 30.24 353.63 10.54 14.25 281.55 10.58 3.16 201.53 10.66 6.12 163.73 12.15 117.34 156.14 13.22 68.05 141.42 13.75 38.31 128.16 14.10 36.70 120.52 14.25 13.65 111.53 14.86 41.58 104.30 14.91 3.57 96.23 17.13 116.66 98.47 17.52 26.29 92.88 19.20 34.81 81.01 22.10 49.18 74.67 24.38 84.37 75.48 95.64 1,560.74 259.40 100.00 117.78 246.48 246.48

Page 10 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2011

DATE

15/10/2011

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

BAND

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

SUM INSURED (In Million) From To 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 00 100 200 300 500 750 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 above TOTAL

Mid Points

25 5 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 850 675 952 713 968 653 499 628 460 304 264 349 243 386 264 475 360 230 214 62 9,549

850 , 1,525 2,477 3,190 4,158 4,811 5,310 5,938 6,398 6,702 6,966 7,315 7,558 7,944 8,208 8,683 9,043 9,273 9,487 9,549

8.90 7.07 9.97 7.47 10.14 6.84 5.23 6.58 4.82 3.18 2.76 3.65 2.54 4.04 2.76 4.97 3.77 2.41 2.24 0.65

8.90 15.97 25.94 33.41 43.54 50.38 55.61 62.18 67.00 70.19 72.95 76.60 79.15 83.19 85.96 90.93 94.70 97.11 99.35 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,910.62 508.76 614.48 747.99 1,406.98 1,388.81 1,388.10 2,329.18 2,159.03 1,776.48 1,578.41 2,868.16 2,076.12 3,986.65 3,700.75 8,798.61 11,834.62 5,451.29 7,677.41 2,120.84 66,323.25

3,910.62 , 4,419.37 5,033.85 5,781.84 7,188.82 8,577.62 9,965.72 12,294.91 14,453.93 16,230.41 17,808.82 20,676.98 22,753.09 26,739.74 30,440.49 39,239.10 51,073.72 56,525.00 64,202.41 66,323.25

5.90 0.77 0.93 1.13 2.12 2.09 2.09 3.51 3.26 2.68 2.38 4.32 3.13 6.01 5.58 13.27 17.84 8.22 11.58 3.20

5.90 6.66 7.59 8.72 10.84 12.93 15.03 18.54 21.79 24.47 26.85 31.18 34.31 40.32 45.90 59.16 77.01 85.23 96.80 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 59 0 4 8 16 2 26 33 20 2 33 22 18 29 19 52 57 30 51 19 500

59 59 63 71 87 89 115 148 168 170 203 225 243 272 291 343 400 430 481 500

11.80 0.00 0.80 1.60 3.20 0.40 5.20 6.60 4.00 0.40 6.60 4.40 3.60 5.80 3.80 10.40 11.40 6.00 10.20 3.80

11.80 11.80 12.60 14.20 17.40 17.80 23.00 29.60 33.60 34.00 40.60 45.00 48.60 54.40 58.20 68.60 80.00 86.00 96.20 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 8,321.74 0.00 180.23 155.12 149.83 696.42 898.42 1,791.17 2,337.03 1,996.02 2,937.23 2,773.01 426.90 1,295.02 8,758.94 5,664.24 65,275.38 112,905.53 59,351.28 10,236.70 286,150.19

8,321.74 , 8,321.74 8,501.97 8,657.09 8,806.92 9,503.34 10,401.76 12,192.92 14,529.95 16,525.97 19,463.20 22,236.21 22,663.11 23,958.13 32,717.07 38,381.31 103,656.69 216,562.22 275,913.50 286,150.19

2.91 0.00 0.06 0.05 0.05 0.24 0.31 0.63 0.82 0.70 1.03 0.97 0.15 0.45 3.06 1.98 22.81 39.46 20.74 3.58

2.91 2.91 2.97 3.03 3.08 3.32 3.64 4.26 5.08 5.78 6.80 7.77 7.92 8.37 11.43 13.41 36.22 75.68 96.42 100.00

LOSS RATIO PERCENTAGE BAND CUM. 212.80 0.00 29.33 20.74 10.65 50.14 64.72 76.90 108.24 112.36 186.09 96.68 20.56 32.48 236.68 64.38 551.56 2,071.17 773.06 482.67

212.80 188.30 168.90 149.73 122.51 110.79 104.38 99.17 100.53 101.82 109.29 107.54 99.60 89.60 107.48 97.81 202.96 383.13 429.76 431.45

431.45

Page 11 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 26

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2011

DATE

15/10/2011

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

BAND

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

SUM INSURED (In Million) From To 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 00 100 200 300 500 750 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 above TOTAL

Mid Points

25 5 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 879 629 713 490 629 369 423 436 348 227 167 320 181 303 222 343 288 163 183 36 7,349

879 , 1,508 2,221 2,711 3,340 3,709 4,132 4,568 4,916 5,143 5,310 5,630 5,811 6,114 6,336 6,679 6,967 7,130 7,313 7,349

11.96 8.56 9.70 6.67 8.56 5.02 5.76 5.93 4.74 3.09 2.27 4.35 2.46 4.12 3.02 4.67 3.92 2.22 2.49 0.49

11.96 20.52 30.22 36.89 45.45 50.47 56.23 62.16 66.89 69.98 72.25 76.61 79.07 83.19 86.22 90.88 94.80 97.02 99.51 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,445.14 487.78 823.49 869.47 1,684.63 1,586.91 2,163.55 3,159.69 2,881.11 2,055.24 2,052.34 3,825.94 2,889.21 5,594.85 5,351.41 10,206.66 10,606.68 4,375.92 10,101.63 2,210.66 75,372.30

2,445.14 , 2,932.92 3,756.41 4,625.88 6,310.51 7,897.41 10,060.96 13,220.65 16,101.76 18,157.00 20,209.34 24,035.28 26,924.49 32,519.34 37,870.75 48,077.40 58,684.08 63,060.00 73,161.63 75,372.30

3.24 0.65 1.09 1.15 2.24 2.11 2.87 4.19 3.82 2.73 2.72 5.08 3.83 7.42 7.10 13.54 14.07 5.81 13.40 2.93

3.24 3.89 4.98 6.14 8.37 10.48 13.35 17.54 21.36 24.09 26.81 31.89 35.72 43.14 50.24 63.79 77.86 83.66 97.07 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 24 3 12 12 2 19 2 20 16 15 15 19 25 17 14 58 47 21 35 15 391

24 27 39 51 53 72 74 94 110 125 140 159 184 201 215 273 320 341 376 391

6.14 0.77 3.07 3.07 0.51 4.86 0.51 5.12 4.09 3.84 3.84 4.86 6.39 4.35 3.58 14.83 12.02 5.37 8.95 3.84

6.14 6.91 9.97 13.04 13.55 18.41 18.93 24.04 28.13 31.97 35.81 40.66 47.06 51.41 54.99 69.82 81.84 87.21 96.16 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 708.51 15.46 514.58 740.80 54.91 2,418.56 185.78 3,421.20 857.09 671.29 72.08 2,179.11 5,070.75 458.28 2,626.15 17,882.99 6,384.91 4,300.10 4,329.02 8,578.41 61,469.99

708.51 723.96 1,238.55 1,979.35 2,034.26 4,452.83 4,638.60 8,059.80 8,916.89 9,588.18 9,660.26 11,839.37 16,910.12 17,368.40 19,994.55 37,877.54 44,262.46 48,562.56 52,891.58 61,469.99

1.15 0.03 0.84 1.21 0.09 3.93 0.30 5.57 1.39 1.09 0.12 3.55 8.25 0.75 4.27 29.09 10.39 7.00 7.04 13.96

1.15 1.18 2.01 3.22 3.31 7.24 7.55 13.11 14.51 15.60 15.72 19.26 27.51 28.26 32.53 61.62 72.01 79.00 86.04 100.00

LOSS RATIO PERCENTAGE BAND CUM. 28.98 3.17 62.49 85.20 3.26 152.41 8.59 108.28 29.75 32.66 3.51 56.96 175.51 8.19 49.07 175.21 60.20 98.27 42.85 388.05

28.98 24.68 32.97 42.79 32.24 56.38 46.10 60.96 55.38 52.81 47.80 49.26 62.81 53.41 52.80 78.78 75.42 77.01 72.29 81.56

81.56

Page 12 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 27

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2011

DATE

15/10/2011

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

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,884 2,199 2,389 1,497 1,828 1,182 934 1,050 728 484 465 610 455 707 542 997 968 482 392 110 21,903

3,884 6,083 8,472 9,969 11,797 12,979 13,913 14,963 15,691 16,175 16,640 17,250 17,705 18,412 18,954 19,951 20,919 21,401 21,793 21,903

17.73 10.04 10.91 6.83 8.35 5.40 4.26 4.79 3.32 2.21 2.12 2.79 2.08 3.23 2.47 4.55 4.42 2.20 1.79 0.50

17.73 27.77 38.68 45.51 53.86 59.26 63.52 68.31 71.64 73.85 75.97 78.76 80.83 84.06 86.54 91.09 95.51 97.71 99.50 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

5,335.44 2,456.29 990.12 930.29 1,725.66 1,557.57 1,559.35 2,273.84 2,069.97 1,461.71 1,838.09 2,565.21 2,308.49 4,990.80 4,555.51 11,025.28 13,112.02 7,221.34 5,418.17 5,757.61

267 26 12 11 17 27 25 37 16 23 20 33 53 192 45 111 158 135 134 99

79,152.75

5,335.44 6.74 6.74 7,791.73 3.10 9.84 8,781.86 1.25 11.09 9,712.14 1.18 12.27 11,437.80 2.18 14.45 12,995.37 1.97 16.42 14,554.72 1.97 18.39 16,828.56 2.87 21.26 18,898.53 2.62 23.88 20,360.24 1.85 25.72 22,198.33 2.32 28.04 24,763.53 3.24 31.29 27,072.02 2.92 34.20 32,062.82 6.31 40.51 36,618.33 5.76 46.26 47,643.61 13.93 60.19 60,755.64 16.57 76.76 67,976.98 9.12 85.88 73,395.15 6.85 92.73 79,152.75 7.27 100.00

1,441

267 293 305 316 333 360 385 422 438 461 481 514 567 759 804 915 1,073 1,208 1,342 1,441

18.53 18.53 1.80 20.33 0.83 21.17 0.76 21.93 1.18 23.11 1.87 24.98 1.73 26.72 2.57 29.29 1.11 30.40 1.60 31.99 1.39 33.38 2.29 35.67 3.68 39.35 13.32 52.67 3.12 55.79 7.70 63.50 10.96 74.46 9.37 83.83 9.30 93.13 6.87 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 48,561.96 522.98 310.43 611.11 412.97 1,711.65 905.32 4,435.77 353.03 1,803.70 1,584.85 1,026.44 6,329.68 55,249.53 15,562.79 25,940.07 30,629.55 3,471.08 7,548.86 40,309.94 247,281.71

48,561.96 49,084.94 49,395.37 50,006.49 50,419.46 52,131.11 53,036.42 57,472.19 57,825.22 59,628.92 61,213.77 62,240.21 68,569.89 123,819.42 139,382.21 165,322.28 195,951.83 199,422.91 206,971.77 247,281.71

19.64 0.21 0.13 0.25 0.17 0.69 0.37 1.79 0.14 0.73 0.64 0.42 2.56 22.34 6.29 10.49 12.39 1.40 3.05 16.30

19.64 19.85 19.98 20.22 20.39 21.08 21.45 23.24 23.38 24.11 24.75 25.17 27.73 50.07 56.37 66.86 79.24 80.65 83.70 100.00

LOSS RATIO PERCENTAGE BAND CUM. 910.18 21.29 31.35 65.69 23.93 109.89 58.06 195.08 17.05 123.40 86.22 40.01 274.19 1,107.03 341.63 235.28 233.60 48.07 139.32 700.12

910.18 629.96 562.47 514.89 440.81 401.15 364.39 341.52 305.98 292.87 275.76 251.34 253.29 386.18 380.64 347.00 322.52 293.37 282.00 312.41

312.41

Page 13 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 28

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2011

DATE

15/10/2011

Power and Heating (Pembangkit Tenaga dan Pemanas)

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 34 14 13 4 15 5 9 20 4 16 26 14 10 44 17 66 72 24 61 88 556

34 48 61 65 80 85 94 114 118 134 160 174 184 228 245 311 383 407 468 556

6.12 2.52 2.34 0.72 2.70 0.90 1.62 3.60 0.72 2.88 4.68 2.52 1.80 7.91 3.06 11.87 12.95 4.32 10.97 15.83

6.12 8.63 10.97 11.69 14.39 15.29 16.91 20.50 21.22 24.10 28.78 31.29 33.09 41.01 44.06 55.94 68.88 73.20 84.17 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 131.17 14.66 2.34 3.07 9.47 1.96 6.34 47.78 10.84 38.00 34.40 24.44 28.05 189.50 99.46 603.05 787.00 1,568.90 2,486.04 304,877.10 310,963.55

131.17 0.04 0.04 145.82 0.00 0.05 148.17 0.00 0.05 151.24 0.00 0.05 160.71 0.00 0.05 162.67 0.00 0.05 169.00 0.00 0.05 216.78 0.02 0.07 227.61 0.00 0.07 265.61 0.01 0.09 300.02 0.01 0.10 324.46 0.01 0.10 352.51 0.01 0.11 542.01 0.06 0.17 641.47 0.03 0.21 1,244.52 0.19 0.40 2,031.52 0.25 0.65 3,600.42 0.50 1.16 6,086.46 0.80 1.96 310,963.55 98.04 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1 0 0 0 0 0 0 0 0 5 0 0 0 0 0 0 2 0 8 28 44

1 1 1 1 1 1 1 1 1 6 6 6 6 6 6 6 8 8 16 44

2.27 2.27 0.00 2.27 0.00 2.27 0.00 2.27 0.00 2.27 0.00 2.27 0.00 2.27 0.00 2.27 0.00 2.27 11.36 13.64 0.00 13.64 0.00 13.64 0.00 13.64 0.00 13.64 0.00 13.64 0.00 13.64 4.55 18.18 0.00 18.18 18.18 36.36 63.64 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8,923.07 0.00 0.00 0.00 0.00 0.00 0.00 68.59 0.00 3,816.41 44,127.49 56,935.56

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8,923.07 15.67 8,923.07 0.00 8,923.07 0.00 8,923.07 0.00 8,923.07 0.00 8,923.07 0.00 8,923.07 0.00 8,991.66 0.12 8,991.66 0.00 12,808.07 6.70 56,935.56 77.50

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.67 15.67 15.67 15.67 15.67 15.67 15.67 15.79 15.79 22.50 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 23,481.96 0.00 0.00 0.00 0.00 0.00 0.00 8.72 0.00 153.51 14.47

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,359.41 2,974.18 2,750.11 2,531.30 1,646.30 1,391.03 716.99 442.61 249.74 210.44 18.31

18.31

Page 14 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 29

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2011

DATE

15/10/2011

Transport and Traffic, Construction Firms, Mass Communication, Trading and Storage, Hotels, Entertainment, Sports and Services, The Caring Services, Motor Vehicle Repair Shops, Private Buildings, Property of Public Bodies (Transportasi dan Lalu lintas, Perusahaan Konstruksi, Komunikasi Masa Perdagangan dan Penyimpanan, Sarana Olah RagaHotel dan Pusat Hiburan, Pelayanan Perawatan, Tempat Reparasi Kendaraan Bermotor, Bangunan Pribadi, Bangunan Umum)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 155,439 148,577 175,944 107,132 113,558 57,157 39,152 29,464 16,246 8,192 6,356 7,007 4,566 5,433 3,393 4,495 3,118 1,293 1,219 295 888,036

155,439 304,016 479,960 587,092 700,650 757,807 796,959 826,423 842,669 850,861 857,217 864,224 868,790 874,223 877,616 882,111 885,229 886,522 887,741 888,036

17.50 16.73 19.81 12.06 12.79 6.44 4.41 3.32 1.83 0.92 0.72 0.79 0.51 0.61 0.38 0.51 0.35 0.15 0.14 0.03

17.50 34.23 54.05 66.11 78.90 85.34 89.74 93.06 94.89 95.81 96.53 97.32 97.83 98.44 98.83 99.33 99.68 99.83 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 60,674.49 34,045.31 69,538.30 69,942.92 106,619.72 75,017.14 74,004.48 70,095.76 50,091.48 33,717.41 28,210.99 35,854.91 27,558.89 42,673.90 26,866.15 53,071.00 47,016.73 34,371.90 53,142.54 127,371.82 1,119,885.84

60,674.49 94,719.80 164,258.10 234,201.02 340,820.74 415,837.88 489,842.36 559,938.12 610,029.60 643,747.01 671,958.00 707,812.91 735,371.80 778,045.70 804,911.85 857,982.84 904,999.58 939,371.48 992,514.02 1,119,885.84

5.42 3.04 6.21 6.25 9.52 6.70 6.61 6.26 4.47 3.01 2.52 3.20 2.46 3.81 2.40 4.74 4.20 3.07 4.75 11.37

5.42 8.46 14.67 20.91 30.43 37.13 43.74 50.00 54.47 57.48 60.00 63.20 65.66 69.48 71.87 76.61 80.81 83.88 88.63 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 1,262 460 689 661 995 587 512 488 343 200 172 332 286 302 281 364 458 501 598 852 10,343

1,262 1,722 2,411 3,072 4,067 4,654 5,166 5,654 5,997 6,197 6,369 6,701 6,987 7,289 7,570 7,934 8,392 8,893 9,491 10,343

12.20 4.45 6.66 6.39 9.62 5.68 4.95 4.72 3.32 1.93 1.66 3.21 2.77 2.92 2.72 3.52 4.43 4.84 5.78 8.24

12.20 16.65 23.31 29.70 39.32 45.00 49.95 54.66 57.98 59.91 61.58 64.79 67.55 70.47 73.19 76.71 81.14 85.98 91.76 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 41,706.75 7,827.03 22,168.96 15,914.47 28,618.86 19,344.52 32,384.58 38,516.81 22,311.32 8,614.28 15,648.67 12,127.46 67,146.94 41,214.22 30,657.72 55,418.01 32,981.12 138,260.86 71,659.55 382,368.52 1,084,890.67

41,706.75 49,533.78 71,702.74 87,617.21 116,236.07 135,580.58 167,965.16 206,481.97 228,793.30 237,407.58 253,056.25 265,183.71 332,330.65 373,544.87 404,202.59 459,620.61 492,601.73 630,862.59 702,522.14 1,084,890.67

3.84 0.72 2.04 1.47 2.64 1.78 2.99 3.55 2.06 0.79 1.44 1.12 6.19 3.80 2.83 5.11 3.04 12.74 6.61 35.24

3.84 4.57 6.61 8.08 10.71 12.50 15.48 19.03 21.09 21.88 23.33 24.44 30.63 34.43 37.26 42.37 45.41 58.15 64.76 100.00

68.74 22.99 31.88 22.75 26.84 25.79 43.76 54.95 44.54 25.55 55.47 33.82 243.65 96.58 114.11 104.42 70.15 402.25 134.84 300.20

68.74 52.30 43.65 37.41 34.10 32.60 34.29 36.88 37.51 36.88 37.66 37.47 45.19 48.01 50.22 53.57 54.43 67.16 70.78 96.88

96.88

Page 15 of 204

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

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2011

DATE

15/10/2011

Estate Plantation Risk

BAND

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

SUM INSURED (In Million) From To 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 00 100 200 300 500 750 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 above TOTAL

Mid Points

25 5 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 26 8 17 10 8 14 7 4 6 4 2 3 3 2 3 2 3 0 0 0 122

26 34 51 61 69 83 90 94 100 104 106 109 112 114 117 119 122 122 122 122

21.31 6.56 13.93 8.20 6.56 11.48 5.74 3.28 4.92 3.28 1.64 2.46 2.46 1.64 2.46 1.64 2.46 0.00 0.00 0.00

21.31 27.87 41.80 50.00 56.56 68.03 73.77 77.05 81.97 85.25 86.89 89.34 91.80 93.44 95.90 97.54 100.00 100.00 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 30.98 3.51 29.73 27.30 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 1,068.50

30.98 34.49 64.22 91.51 111.06 136.68 163.23 204.79 253.48 286.97 289.97 307.41 336.97 369.54 423.73 571.17 1,068.50 1,068.50 1,068.50 1,068.50

2.90 0.33 2.78 2.55 1.83 2.40 2.49 3.89 4.56 3.13 0.28 1.63 2.77 3.05 5.07 13.80 46.54 0.00 0.00 0.00

2.90 3.23 6.01 8.56 10.39 12.79 15.28 19.17 23.72 26.86 27.14 28.77 31.54 34.58 39.66 53.46 100.00 100.00 100.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 2 0 0 0 2 0 0 0 2 0 0 8 0 0 0 0 14

0 0 0 0 2 2 2 2 4 4 4 4 6 6 6 14 14 14 14 14

0.00 0.00 0.00 0.00 14.29 0.00 0.00 0.00 14.29 0.00 0.00 0.00 14.29 0.00 0.00 57.14 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 14.29 14.29 14.29 14.29 28.57 28.57 28.57 28.57 42.86 42.86 42.86 100.00 100.00 100.00 100.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 3.10 0.00 0.00 0.00 1.89 0.00 0.00 0.00 9.28 0.00 0.00 111.01 0.00 0.00 0.00 0.00 125.29

0.00 0.00 0.00 0.00 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

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

0.00 0.00 0.00 0.00 2.48 2.48 2.48 2.48 3.99 3.99 3.99 3.99 11.40 11.40 11.40 100.00 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 15.87 0.00 0.00 0.00 3.89 0.00 0.00 0.00 31.39 0.00 0.00 75.29 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 2.79 2.27 1.90 1.52 1.97 1.74 1.72 1.63 4.24 3.86 3.37 21.93 11.73 11.73 11.73 11.73

11.73

Page 16 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2011

DATE

15/10/2011

Estate Plantation Risk

BAND

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

SUM INSURED (In Million) From To 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 00 100 200 300 500 750 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 above TOTAL

Mid Points

25 5 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 30 8 15 8 30 21 26 28 30 22 28 45 35 60 42 71 95 77 24 21 716

30 38 53 61 91 112 138 166 196 218 246 291 326 386 428 499 594 671 695 716

4.19 1.12 2.09 1.12 4.19 2.93 3.63 3.91 4.19 3.07 3.91 6.28 4.89 8.38 5.87 9.92 13.27 10.75 3.35 2.93

4.19 5.31 7.40 8.52 12.71 15.64 19.27 23.18 27.37 30.45 34.36 40.64 45.53 53.91 59.78 69.69 82.96 93.72 97.07 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 306.63 0.61 9.71 4.59 31.77 222.72 20.72 318.97 48.14 35.52 70.96 74.87 17.99 128.63 108.83 554.70 2,336.84 1,141.45 94.78 89.37 5,617.80

306.63 307.24 316.95 321.54 353.30 576.02 596.75 915.72 963.85 999.38 1,070.34 1,145.21 1,163.20 1,291.83 1,400.66 1,955.36 4,292.20 5,433.65 5,528.43 5,617.80

5.46 0.01 0.17 0.08 0.57 3.96 0.37 5.68 0.86 0.63 1.26 1.33 0.32 2.29 1.94 9.87 41.60 20.32 1.69 1.59

5.46 5.47 5.64 5.72 6.29 10.25 10.62 16.30 17.16 17.79 19.05 20.39 20.71 23.00 24.93 34.81 76.40 96.72 98.41 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 0 0 0 0 46 0 72 0 0 0 2 0 5 0 12 21 12 5 0 181

6 6 6 6 6 52 52 124 124 124 124 126 126 131 131 143 164 176 181 181

3.31 0.00 0.00 0.00 0.00 25.41 0.00 39.78 0.00 0.00 0.00 1.10 0.00 2.76 0.00 6.63 11.60 6.63 2.76 0.00

3.31 3.31 3.31 3.31 3.31 28.73 28.73 68.51 68.51 68.51 68.51 69.61 69.61 72.38 72.38 79.01 90.61 97.24 100.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 41.41 0.00 0.00 0.00 0.00 589.30 0.00 705.45 0.00 0.00 0.00 6.34 0.00 471.33 0.00 18.51 657.56 338.17 43.64 0.00 2,871.70

41.41 41.41 41.41 41.41 41.41 630.70 630.70 1,336.15 1,336.15 1,336.15 1,336.15 1,342.50 1,342.50 1,813.83 1,813.83 1,832.34 2,489.90 2,828.07 2,871.70 2,871.70

1.44 0.00 0.00 0.00 0.00 20.52 0.00 24.57 0.00 0.00 0.00 0.22 0.00 16.41 0.00 0.64 22.90 11.78 1.52 0.00

1.44 1.44 1.44 1.44 1.44 21.96 21.96 46.53 46.53 46.53 46.53 46.75 46.75 63.16 63.16 63.81 86.70 98.48 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 13.50 0.00 0.00 0.00 0.00 264.59 0.00 221.17 0.00 0.00 0.00 8.47 0.00 366.41 0.00 3.34 28.14 29.63 46.04 0.00

13.50 13.48 13.06 12.88 11.72 109.49 105.69 145.91 138.63 133.70 124.83 117.23 115.41 140.41 129.50 93.71 58.01 52.05 51.94 51.12

51.12

Page 17 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 32

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2011

DATE

15/10/2011

Recreation Place (Tempat Rekreasi/Liburan)

BAND

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

SUM INSURED (In Million) From To 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 00 100 200 300 500 750 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 above TOTAL

Mid Points

25 5 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 23 12 14 2 16 1 1 5 3 4 1 2 1 16 3 19 21 11 5 1 161

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

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

14.29 21.74 30.43 31.68 41.61 42.24 42.86 45.96 47.83 50.31 50.93 52.17 52.80 62.73 64.60 76.40 89.44 96.27 99.38 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 15.20 29.61 26.11 1.44 14.61 1.62 5.48 30.21 21.13 41.42 22.29 26.74 13.17 281.40 90.22 617.41 1,924.23 1,163.17 1,619.51 32.16 5,977.14

15.20 44.81 70.93 72.37 86.97 88.60 94.07 124.28 145.41 186.84 209.13 235.87 249.04 530.44 620.66 1,238.07 3,162.30 4,325.47 5,944.99 5,977.14

0.25 0.50 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

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 0 10 0 0 0 0 0 0 0 0 0 0 8 2 2 4 7 14 0 51

4 4 14 14 14 14 14 14 14 14 14 14 14 22 24 26 30 37 51 51

7.84 0.00 19.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.69 3.92 3.92 7.84 13.73 27.45 0.00

7.84 7.84 27.45 27.45 27.45 27.45 27.45 27.45 27.45 27.45 27.45 27.45 27.45 43.14 47.06 50.98 58.82 72.55 100.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.68 0.00 1.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 59.14 94.49 11.64 309.44 531.90 180.40 0.00 1,189.54

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 1,189.54 1,189.54

0.06 0.00 0.16 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.97 7.94 0.98 26.01 44.71 15.17 0.00

0.06 0.06 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 5.18 13.13 14.11 40.12 84.83 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 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 11.14 0.00

4.47 1.52 3.58 3.51 2.92 2.86 2.70 2.04 1.75 1.36 1.21 1.08 1.02 11.63 25.16 13.55 15.09 23.33 20.01 19.90

19.90

Page 18 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 40

DATA POSITION FROM PROCESSING

01/01/2007

15/06/2011

DATE

15/10/2011

Non Estate Plantation Risk

BAND

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

SUM INSURED (In Million) From To 0 50 50 00 100 100 200 200 300 300 500 500 750 750 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 above TOTAL

Mid Points

25 5 75 150 250 400 625 875 1,250 1,750 2,250 2,750 3,500 4,500 6,250 8,750 15,000 35,000 75,000 300,000

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 853 63 65 27 28 15 10 9 4 2 6 10 6 12 7 20 8 14 7 0 1,166

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

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

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

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 285.36 33.50 50.18 45.37 43.81 32.07 16.54 24.47 16.07 14.95 68.57 94.16 82.42 230.52 345.30 787.55 277.95 252.82 3.90 0.00 2,705.49

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

10.55 1.24 1.85 1.68 1.62 1.19 0.61 0.90 0.59 0.55 2.53 3.48 3.05 8.52 12.76 29.11 10.27 9.34 0.14 0.00

10.55 11.79 13.64 15.32 16.94 18.12 18.73 19.64 20.23 20.78 23.32 26.80 29.84 38.37 51.13 80.24 90.51 99.86 100.00 100.00

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

5 5 5 5 7 7 7 7 7 7 7 9 9 9 9 9 9 11 14 14

35.71 0.00 0.00 0.00 14.29 0.00 0.00 0.00 0.00 0.00 0.00 14.29 0.00 0.00 0.00 0.00 0.00 14.29 21.43 0.00

35.71 35.71 35.71 35.71 50.00 50.00 50.00 50.00 50.00 50.00 50.00 64.29 64.29 64.29 64.29 64.29 64.29 78.57 100.00 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

70.01 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 96.16 0.00 0.00 0.00 0.00 0.00 1,764.15 11.11 0.00

24.53 0.00 0.00 0.00 114.12 0.00 0.00 0.00 0.00 0.00 0.00 102.13 0.00 0.00 0.00 0.00 0.00 697.79 284.93 0.00

1,991.43

70.01 70.01 70.01 70.01 120.01 120.01 120.01 120.01 120.01 120.01 120.01 216.18 216.18 216.18 216.18 216.18 216.18 1,980.32 1,991.43 1,991.43

3.52 0.00 0.00 0.00 2.51 0.00 0.00 0.00 0.00 0.00 0.00 4.83 0.00 0.00 0.00 0.00 0.00 88.59 0.56 0.00

3.52 3.52 3.52 3.52 6.03 6.03 6.03 6.03 6.03 6.03 6.03 10.86 10.86 10.86 10.86 10.86 10.86 99.44 100.00 100.00

24.53 21.96 18.97 16.89 26.19 24.48 23.68 22.59 21.93 21.34 19.02 29.82 26.77 20.83 15.63 9.96 8.83 73.30 73.61 73.61

73.61

Page 19 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, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 01 - NANGGROE ACEH DARUSSALAM

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,214 1,582 1,959 1,060 795 333 240 131 63 16 20 20 21 19 12 5 24 18 4 17 7,553

1,214 2,796 4,755 5,815 6,610 6,943 7,183 7,314 7,377 7,393 7,413 7,433 7,454 7,473 7,485 7,490 7,514 7,532 7,536 7,553

16.07 20.95 25.94 14.03 10.53 4.41 3.18 1.73 0.83 0.21 0.26 0.26 0.28 0.25 0.16 0.07 0.32 0.24 0.05 0.23

16.07 37.02 62.96 76.99 87.51 91.92 95.10 96.84 97.67 97.88 98.15 98.41 98.69 98.94 99.10 99.17 99.48 99.72 99.77 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 253.70 593.12 1,378.77 1,469.75 1,292.63 764.42 676.03 397.62 241.62 65.63 56.91 119.84 137.01 132.58 136.32 99.21 491.54 470.33 752.81 270.97 9,800.80

253.70 846.82 2,225.59 3,695.34 4,987.97 5,752.38 6,428.41 6,826.04 7,067.65 7,133.29 7,190.20 7,310.04 7,447.05 7,579.63 7,715.95 7,815.16 8,306.69 8,777.02 9,529.83 9,800.80

2.59 6.05 14.07 15.00 13.19 7.80 6.90 4.06 2.47 0.67 0.58 1.22 1.40 1.35 1.39 1.01 5.02 4.80 7.68 2.76

2.59 8.64 22.71 37.70 50.89 58.69 65.59 69.65 72.11 72.78 73.36 74.59 75.98 77.34 78.73 79.74 84.76 89.55 97.24 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 2 7 2 2 0 0 0 0 2 0 0 2 0 0 0 0 7 0 0 28

4 6 13 15 17 17 17 17 17 19 19 19 21 21 21 21 21 28 28 28

14.29 7.14 25.00 7.14 7.14 0.00 0.00 0.00 0.00 7.14 0.00 0.00 7.14 0.00 0.00 0.00 0.00 25.00 0.00 0.00

14.29 21.43 46.43 53.57 60.71 60.71 60.71 60.71 60.71 67.86 67.86 67.86 75.00 75.00 75.00 75.00 75.00 100.00 100.00 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 58.50 9.30 206.88 68.68 271.63 0.00 0.00 0.00 0.00 61.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 271.29 0.00 0.00 947.89

58.50 67.80 274.68 343.35 614.98 614.98 614.98 614.98 614.98 676.60 676.60 676.60 676.60 676.60 676.60 676.60 676.60 947.89 947.89 947.89

6.17 0.98 21.82 7.25 28.66 0.00 0.00 0.00 0.00 6.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 28.62 0.00 0.00

6.17 7.15 28.98 36.22 64.88 64.88 64.88 64.88 64.88 71.38 71.38 71.38 71.38 71.38 71.38 71.38 71.38 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 23.06 1.57 15.00 4.67 21.01 0.00 0.00 0.00 0.00 93.89 0.00 0.00 0.00 0.00 0.00 0.00 0.00 57.68 0.00 0.00

23.06 8.01 12.34 9.29 12.33 10.69 9.57 9.01 8.70 9.49 9.41 9.26 9.09 8.93 8.77 8.66 8.15 10.80 9.95 9.67

9.67

Page 20 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 02 - SUMATERA UTARA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 8,738 8,567 13,429 8,557 8,021 3,189 2,325 1,545 899 445 379 461 311 364 229 389 355 140 101 30 58,474

8,738 17,305 30,734 39,291 47,312 50,501 52,826 54,371 55,270 55,715 56,094 56,555 56,866 57,230 57,459 57,848 58,203 58,343 58,444 58,474

14.94 14.65 22.97 14.63 13.72 5.45 3.98 2.64 1.54 0.76 0.65 0.79 0.53 0.62 0.39 0.67 0.61 0.24 0.17 0.05

14.94 29.59 52.56 67.19 80.91 86.36 90.34 92.98 94.52 95.28 95.93 96.72 97.25 97.87 98.26 98.93 99.54 99.78 99.95 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,067.10 1,929.69 4,614.99 4,801.19 7,260.70 4,332.74 4,771.54 4,180.76 3,174.08 2,341.41 2,151.45 3,119.42 2,417.41 3,472.81 2,514.99 6,690.86 7,877.00 3,544.23 3,224.75 2,565.63 79,052.76

4,067.10 5,996.79 10,611.78 15,412.97 22,673.67 27,006.41 31,777.94 35,958.70 39,132.78 41,474.19 43,625.64 46,745.06 49,162.48 52,635.29 55,150.28 61,841.14 69,718.14 73,262.38 76,487.13 79,052.76

5.14 5.14 2.44 7.59 5.84 13.42 6.07 19.50 9.18 28.68 5.48 34.16 6.04 40.20 5.29 45.49 4.02 49.50 2.96 52.46 2.72 55.19 3.95 59.13 3.06 62.19 4.39 66.58 3.18 69.76 8.46 78.23 9.96 88.19 4.48 92.68 4.08 96.75 3.25 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 91 12 32 34 37 22 19 27 6 6 4 10 21 25 15 57 66 27 35 8 554

91 103 135 169 206 228 247 274 280 286 290 300 321 346 361 418 484 511 546 554

16.43 2.17 5.78 6.14 6.68 3.97 3.43 4.87 1.08 1.08 0.72 1.81 3.79 4.51 2.71 10.29 11.91 4.87 6.32 1.44

16.43 18.59 24.37 30.51 37.18 41.16 44.58 49.46 50.54 51.62 52.35 54.15 57.94 62.45 65.16 75.45 87.36 92.24 98.56 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 94,530.91 220.91 817.32 1,132.24 2,425.06 1,857.35 1,202.09 999.28 188.72 1,118.96 79.02 168.79 448.91 6,643.49 852.97 19,526.44 11,123.55 393.06 819.05 52.31 144,600.47

94,530.91 94,751.83 95,569.15 96,701.39 99,126.45 100,983.80 102,185.90 103,185.17 103,373.89 104,492.86 104,571.88 104,740.67 105,189.59 111,833.08 112,686.06 132,212.50 143,336.05 143,729.11 144,548.16 144,600.47

65.37 0.15 0.57 0.78 1.68 1.28 0.83 0.69 0.13 0.77 0.05 0.12 0.31 4.59 0.59 13.50 7.69 0.27 0.57 0.04

LOSS RATIO PERCENTAGE BAND CUM.

65.37 2,324.28 2,324.28 65.53 11.45 1,580.04 66.09 17.71 900.59 66.87 23.58 627.40 68.55 33.40 437.19 69.84 42.87 373.93 70.67 25.19 321.56 71.36 23.90 286.95 71.49 5.95 264.16 72.26 47.79 251.95 72.32 3.67 239.70 72.43 5.41 224.07 72.74 18.57 213.96 77.34 191.30 212.47 77.93 33.92 204.33 91.43 291.84 213.79 99.13 141.22 205.59 99.40 11.09 196.18 99.96 25.40 188.98 100.00 2.04 182.92 182.92

Page 21 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 03 - SUMATERA BARAT

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,885 4,464 6,013 3,341 2,801 1,028 897 569 312 160 156 187 137 122 74 111 74 38 29 8 23,406

2,885 7,349 13,362 16,703 19,504 20,532 21,429 21,998 22,310 22,470 22,626 22,813 22,950 23,072 23,146 23,257 23,331 23,369 23,398 23,406

12.33 19.07 25.69 14.27 11.97 4.39 3.83 2.43 1.33 0.68 0.67 0.80 0.59 0.52 0.32 0.47 0.32 0.16 0.12 0.03

12.33 31.40 57.09 71.36 83.33 87.72 91.55 93.98 95.32 96.00 96.67 97.47 98.05 98.57 98.89 99.36 99.68 99.84 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 902.13 865.18 1,870.84 1,603.12 2,668.51 1,467.98 1,866.37 1,483.63 884.53 598.10 470.15 710.58 520.48 571.60 359.16 1,298.33 1,200.87 747.79 1,391.37 123.32 21,604.05

902.13 1,767.31 3,638.15 5,241.28 7,909.79 9,377.77 11,244.14 12,727.77 13,612.30 14,210.40 14,680.55 15,391.13 15,911.61 16,483.21 16,842.37 18,140.70 19,341.57 20,089.36 21,480.73 21,604.05

4.18 4.00 8.66 7.42 12.35 6.79 8.64 6.87 4.09 2.77 2.18 3.29 2.41 2.65 1.66 6.01 5.56 3.46 6.44 0.57

4.18 8.18 16.84 24.26 36.61 43.41 52.05 58.91 63.01 65.78 67.95 71.24 73.65 76.30 77.96 83.97 89.53 92.99 99.43 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 20 12 27 30 54 16 42 4 21 9 33 20 23 24 17 23 25 22 2 5 429

20 32 59 89 143 159 201 205 226 235 268 288 311 335 352 375 400 422 424 429

4.66 2.80 6.29 6.99 12.59 3.73 9.79 0.93 4.90 2.10 7.69 4.66 5.36 5.59 3.96 5.36 5.83 5.13 0.47 1.17

4.66 7.46 13.75 20.75 33.33 37.06 46.85 47.79 52.68 54.78 62.47 67.13 72.49 78.09 82.05 87.41 93.24 98.37 98.83 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 743.83 148.10 174.05 502.65 2,565.75 431.76 489.19 332.85 243.23 42.59 5,378.63 3,128.94 252.35 1,036.22 826.23 258.84 9,723.05 1,620.74 19.02 653.50 28,571.52

743.83 891.93 1,065.98 1,568.63 4,134.38 4,566.14 5,055.33 5,388.18 5,631.40 5,673.99 11,052.62 14,181.57 14,433.91 15,470.14 16,296.37 16,555.21 26,278.26 27,899.00 27,918.02 28,571.52

2.60 0.52 0.61 1.76 8.98 1.51 1.71 1.16 0.85 0.15 18.83 10.95 0.88 3.63 2.89 0.91 34.03 5.67 0.07 2.29

2.60 3.12 3.73 5.49 14.47 15.98 17.69 18.86 19.71 19.86 38.68 49.64 50.52 54.15 57.04 57.94 91.97 97.65 97.71 100.00

LOSS RATIO PERCENTAGE BAND CUM. 82.45 17.12 9.30 31.35 96.15 29.41 26.21 22.43 27.50 7.12 1,144.02 440.34 48.48 181.28 230.05 19.94 809.67 216.74 1.37 529.93

82.45 50.47 29.30 29.93 52.27 48.69 44.96 42.33 41.37 39.93 75.29 92.14 90.71 93.85 96.76 91.26 135.86 138.87 129.97 132.25

132.25

Page 22 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 04 - RIAU

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,579 5,026 6,883 4,282 3,698 1,427 864 613 330 171 130 153 86 100 89 136 119 86 44 10 29,826

5,579 10,605 17,488 21,770 25,468 26,895 27,759 28,372 28,702 28,873 29,003 29,156 29,242 29,342 29,431 29,567 29,686 29,772 29,816 29,826

18.71 16.85 23.08 14.36 12.40 4.78 2.90 2.06 1.11 0.57 0.44 0.51 0.29 0.34 0.30 0.46 0.40 0.29 0.15 0.03

18.71 35.56 58.63 72.99 85.39 90.17 93.07 95.13 96.23 96.80 97.24 97.75 98.04 98.38 98.68 99.13 99.53 99.82 99.97 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

2,001.04 1,313.11 3,185.08 3,529.92 5,120.42 2,624.84 2,414.03 1,937.44 1,365.23 874.53 742.19 1,048.36 627.37 1,069.86 1,008.01 2,259.88 3,400.74 2,281.81 2,465.31 162.52

47 14 23 19 7 8 11 11 0 10 0 17 8 6 4 15 10 17 4 2

39,431.70

2,001.04 3,314.16 6,499.24 10,029.16 15,149.58 17,774.42 20,188.45 22,125.88 23,491.12 24,365.65 25,107.84 26,156.19 26,783.56 27,853.43 28,861.44 31,121.31 34,522.05 36,803.87 39,269.18 39,431.70

5.07 3.33 8.08 8.95 12.99 6.66 6.12 4.91 3.46 2.22 1.88 2.66 1.59 2.71 2.56 5.73 8.62 5.79 6.25 0.41

5.07 8.40 16.48 25.43 38.42 45.08 51.20 56.11 59.57 61.79 63.67 66.33 67.92 70.64 73.19 78.92 87.55 93.34 99.59 100.00

233

47 61 84 103 110 118 129 140 140 150 150 167 175 181 185 200 210 227 231 233

20.17 6.01 9.87 8.15 3.00 3.43 4.72 4.72 0.00 4.29 0.00 7.30 3.43 2.58 1.72 6.44 4.29 7.30 1.72 0.86

20.17 26.18 36.05 44.21 47.21 50.64 55.36 60.09 60.09 64.38 64.38 71.67 75.11 77.68 79.40 85.84 90.13 97.42 99.14 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 4,264.76 651.00 1,776.18 1,136.54 596.78 127.30 289.80 1,411.37 0.00 105.35 0.00 414.01 2,372.65 879.48 136.22 1,809.19 1,908.22 1,341.54 370.99 8,316.56 27,907.94

4,264.76 4,915.76 6,691.94 7,828.48 8,425.26 8,552.56 8,842.36 10,253.73 10,253.73 10,359.08 10,359.08 10,773.09 13,145.74 14,025.22 14,161.44 15,970.63 17,878.85 19,220.39 19,591.38 27,907.94

15.28 2.33 6.36 4.07 2.14 0.46 1.04 5.06 0.00 0.38 0.00 1.48 8.50 3.15 0.49 6.48 6.84 4.81 1.33 29.80

15.28 17.61 23.98 28.05 30.19 30.65 31.68 36.74 36.74 37.12 37.12 38.60 47.10 50.26 50.74 57.23 64.06 68.87 70.20 100.00

LOSS RATIO PERCENTAGE BAND CUM. 213.13 49.58 55.77 32.20 11.65 4.85 12.00 72.85 0.00 12.05 0.00 39.49 378.19 82.20 13.51 80.06 56.11 58.79 15.05 5,117.11

213.13 148.33 102.96 78.06 55.61 48.12 43.80 46.34 43.65 42.52 41.26 41.19 49.08 50.35 49.07 51.32 51.79 52.22 49.89 70.78

70.78

Page 23 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 05 - JAMBI

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

2,491 2,467 2,795 1,466 1,208 454 273 211 101 58 48 39 33 33 20 30 30 24 13 3

549.96 690.39 1,584.04 1,248.72 1,584.05 911.45 738.55 533.29 454.30 261.66 189.58 276.04 281.23 391.35 240.44 813.81 762.11 663.78 433.12 57.59

11,797

2,491 4,958 7,753 9,219 10,427 10,881 11,154 11,365 11,466 11,524 11,572 11,611 11,644 11,677 11,697 11,727 11,757 11,781 11,794 11,797

21.12 20.91 23.69 12.43 10.24 3.85 2.31 1.79 0.86 0.49 0.41 0.33 0.28 0.28 0.17 0.25 0.25 0.20 0.11 0.03

21.12 42.03 65.72 78.15 88.39 92.24 94.55 96.34 97.19 97.69 98.09 98.42 98.70 98.98 99.15 99.41 99.66 99.86 99.97 100.00

12,665.49

549.96 1,240.35 2,824.39 4,073.12 5,657.17 6,568.62 7,307.17 7,840.46 8,294.76 8,556.42 8,746.00 9,022.04 9,303.27 9,694.62 9,935.06 10,748.87 11,510.99 12,174.77 12,607.89 12,665.49

4.34 5.45 12.51 9.86 12.51 7.20 5.83 4.21 3.59 2.07 1.50 2.18 2.22 3.09 1.90 6.43 6.02 5.24 3.42 0.45

4.34 9.79 22.30 32.16 44.67 51.86 57.69 61.90 65.49 67.56 69.05 71.23 73.45 76.54 78.44 84.87 90.88 96.13 99.55 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 6 6 7 0 3 2 0 0 0 0 0 0 0 5 2 4 0 0 0 39

4 10 16 23 23 26 28 28 28 28 28 28 28 28 33 35 39 39 39 39

10.26 15.38 15.38 17.95 0.00 7.69 5.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.82 5.13 10.26 0.00 0.00 0.00

10.26 25.64 41.03 58.97 58.97 66.67 71.79 71.79 71.79 71.79 71.79 71.79 71.79 71.79 84.62 89.74 100.00 100.00 100.00 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

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

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

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

4.97 18.46 37.40 47.71 47.71 51.29 51.67 51.67 51.67 51.67 51.67 51.67 51.67 51.67 92.73 95.31 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 9.32 20.14 12.33 8.51 0.00 4.04 0.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 176.05 3.26 6.35 0.00 0.00 0.00

9.32 15.34 13.65 12.07 8.69 8.05 7.29 6.79 6.42 6.22 6.09 5.90 5.73 5.49 9.62 9.14 8.96 8.47 8.18 8.14

8.14

Page 24 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 06 - SUMATERA SELATAN

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 4,035 3,880 5,141 3,047 2,738 1,313 913 618 334 168 121 150 90 135 93 154 138 76 88 44 23,276

4,035 7,915 13,056 16,103 18,841 20,154 21,067 21,685 22,019 22,187 22,308 22,458 22,548 22,683 22,776 22,930 23,068 23,144 23,232 23,276

17.34 16.67 22.09 13.09 11.76 5.64 3.92 2.66 1.43 0.72 0.52 0.64 0.39 0.58 0.40 0.66 0.59 0.33 0.38 0.19

17.34 34.00 56.09 69.18 80.95 86.59 90.51 93.16 94.60 95.32 95.84 96.49 96.87 97.45 97.85 98.51 99.11 99.43 99.81 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,465.53 778.33 1,959.25 1,887.08 2,873.99 2,021.98 2,050.71 1,708.41 1,143.46 708.65 662.41 746.00 578.33 977.46 860.17 1,719.11 2,725.89 2,097.76 2,172.15 1,657.44 30,794.10

1,465.53 2,243.86 4,203.11 6,090.19 8,964.17 10,986.16 13,036.87 14,745.28 15,888.74 16,597.39 17,259.80 18,005.80 18,584.13 19,561.59 20,421.76 22,140.87 24,866.76 26,964.51 29,136.66 30,794.10

4.76 2.53 6.36 6.13 9.33 6.57 6.66 5.55 3.71 2.30 2.15 2.42 1.88 3.17 2.79 5.58 8.85 6.81 7.05 5.38

4.76 7.29 13.65 19.78 29.11 35.68 42.34 47.88 51.60 53.90 56.05 58.47 60.35 63.52 66.32 71.90 80.75 87.56 94.62 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 42 0 2 13 8 8 5 7 0 5 4 2 0 6 0 21 6 19 36 10 194

42 42 44 57 65 73 78 85 85 90 94 96 96 102 102 123 129 148 184 194

21.65 0.00 1.03 6.70 4.12 4.12 2.58 3.61 0.00 2.58 2.06 1.03 0.00 3.09 0.00 10.82 3.09 9.79 18.56 5.15

21.65 21.65 22.68 29.38 33.51 37.63 40.21 43.81 43.81 46.39 48.45 49.48 49.48 52.58 52.58 63.40 66.49 76.29 94.85 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2,136.21 0.00 5.48 216.84 68.53 218.43 657.76 915.70 0.00 8,923.07 1,067.53 1.32 0.00 1,863.65 0.00 1,121.00 3,845.95 3,042.95 14,897.86 912.02 39,894.30

2,136.21 2,136.21 2,141.70 2,358.54 2,427.07 2,645.49 3,303.26 4,218.96 4,218.96 13,142.02 14,209.55 14,210.87 14,210.87 16,074.52 16,074.52 17,195.52 21,041.47 24,084.42 38,982.28 39,894.30

5.35 0.00 0.01 0.54 0.17 0.55 1.65 2.30 0.00 22.37 2.68 0.00 0.00 4.67 0.00 2.81 9.64 7.63 37.34 2.29

LOSS RATIO PERCENTAGE BAND CUM.

5.35 145.76 5.35 0.00 5.37 0.28 5.91 11.49 6.08 2.38 6.63 10.80 8.28 32.07 10.58 53.60 10.58 0.00 32.94 1,259.16 35.62 161.16 35.62 0.18 35.62 0.00 40.29 190.66 40.29 0.00 43.10 65.21 52.74 141.09 60.37 145.06 97.71 685.86 100.00 55.03

145.76 95.20 50.96 38.73 27.08 24.08 25.34 28.61 26.55 79.18 82.33 78.92 76.47 82.17 78.71 77.66 84.62 89.32 133.79 129.55

129.55

Page 25 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 07 - BENGKULU

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,616 1,548 1,372 761 572 222 117 70 40 18 22 20 7 15 13 9 15 2 2 2 6,443

1,616 3,164 4,536 5,297 5,869 6,091 6,208 6,278 6,318 6,336 6,358 6,378 6,385 6,400 6,413 6,422 6,437 6,439 6,441 6,443

25.08 24.03 21.29 11.81 8.88 3.45 1.82 1.09 0.62 0.28 0.34 0.31 0.11 0.23 0.20 0.14 0.23 0.03 0.03 0.03

25.08 49.11 70.40 82.21 91.09 94.54 96.35 97.44 98.06 98.34 98.68 98.99 99.10 99.33 99.53 99.67 99.91 99.94 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 347.17 364.28 626.84 510.35 680.85 458.01 324.32 194.44 118.69 95.38 90.43 228.12 29.18 108.78 336.44 214.20 516.47 138.58 13.77 28.29 5,424.59

347.17 6.40 6.40 711.45 6.72 13.12 1,338.29 11.56 24.67 1,848.64 9.41 34.08 2,529.48 12.55 46.63 2,987.49 8.44 55.07 3,311.81 5.98 61.05 3,506.25 3.58 64.64 3,624.95 2.19 66.82 3,720.33 1.76 68.58 3,810.76 1.67 70.25 4,038.88 4.21 74.46 4,068.06 0.54 74.99 4,176.84 2.01 77.00 4,513.28 6.20 83.20 4,727.48 3.95 87.15 5,243.95 9.52 96.67 5,382.53 2.55 99.22 5,396.30 0.25 99.48 5,424.59 0.52 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

17 4 17 2 20 8 2 2 2 0 2 2 2 2 6 6 3 0 13 0

193.12 358.84 430.82 4.90 676.89 1,222.98 948.15 10.79 11.25 0.00 6.68 62.10 12.50 15.33 233.59 115.73 169.93 0.00 159.07 0.00

55.63 98.51 68.73 0.96 99.42 267.02 292.35 5.55 9.48 0.00 7.39 27.22 42.84 14.10 69.43 54.03 32.90 0.00 1,155.40 0.00

110

17 21 38 40 60 68 70 72 74 74 76 78 80 82 88 94 97 97 110 110

15.45 15.45 3.64 19.09 15.45 34.55 1.82 36.36 18.18 54.55 7.27 61.82 1.82 63.64 1.82 65.45 1.82 67.27 0.00 67.27 1.82 69.09 1.82 70.91 1.82 72.73 1.82 74.55 5.45 80.00 5.45 85.45 2.73 88.18 0.00 88.18 11.82 100.00 0.00 100.00

4,632.68

193.12 4.17 551.96 7.75 982.78 9.30 987.68 0.11 1,664.57 14.61 2,887.55 26.40 3,835.70 20.47 3,846.49 0.23 3,857.74 0.24 3,857.74 0.00 3,864.42 0.14 3,926.52 1.34 3,939.02 0.27 3,954.35 0.33 4,187.94 5.04 4,303.67 2.50 4,473.60 3.67 4,473.60 0.00 4,632.68 3.43 4,632.68 0.00

4.17 11.91 21.21 21.32 35.93 62.33 82.80 83.03 83.27 83.27 83.42 84.76 85.03 85.36 90.40 92.90 96.57 96.57 100.00 100.00

55.63 77.58 73.44 53.43 65.81 96.65 115.82 109.70 106.42 103.69 101.41 97.22 96.83 94.67 92.79 91.04 85.31 83.11 85.85 85.40

85.40

Page 26 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 08 - LAMPUNG

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,512 3,153 3,520 1,897 2,022 936 631 500 266 134 126 122 111 116 88 162 144 117 64 30 16,651

2,512 5,665 9,185 11,082 13,104 14,040 14,671 15,171 15,437 15,571 15,697 15,819 15,930 16,046 16,134 16,296 16,440 16,557 16,621 16,651

15.09 18.94 21.14 11.39 12.14 5.62 3.79 3.00 1.60 0.80 0.76 0.73 0.67 0.70 0.53 0.97 0.86 0.70 0.38 0.18

15.09 34.02 55.16 66.55 78.70 84.32 88.11 91.11 92.71 93.51 94.27 95.00 95.67 96.37 96.90 97.87 98.73 99.44 99.82 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

1,400.78 530.53 1,196.76 1,186.53 2,026.19 1,368.93 1,365.23 1,450.69 1,055.48 598.35 545.97 623.49 681.32 872.56 878.04 2,808.66 2,939.01 1,830.54 4,176.08 1,929.61

36 5 2 4 11 9 4 11 10 11 4 2 9 19 10 36 34 27 8 3

29,464.77

1,400.78 4.75 4.75 1,931.31 1.80 6.55 3,128.07 4.06 10.62 4,314.60 4.03 14.64 6,340.79 6.88 21.52 7,709.72 4.65 26.17 9,074.95 4.63 30.80 10,525.64 4.92 35.72 11,581.12 3.58 39.30 12,179.48 2.03 41.34 12,725.44 1.85 43.19 13,348.93 2.12 45.30 14,030.25 2.31 47.62 14,902.82 2.96 50.58 15,780.86 2.98 53.56 18,589.52 9.53 63.09 21,528.53 9.97 73.07 23,359.08 6.21 79.28 27,535.15 14.17 93.45 29,464.77 6.55 100.00

255

36 41 43 47 58 67 71 82 92 103 107 109 118 137 147 183 217 244 252 255

14.12 14.12 1.96 16.08 0.78 16.86 1.57 18.43 4.31 22.75 3.53 26.27 1.57 27.84 4.31 32.16 3.92 36.08 4.31 40.39 1.57 41.96 0.78 42.75 3.53 46.27 7.45 53.73 3.92 57.65 14.12 71.76 13.33 85.10 10.59 95.69 3.14 98.82 1.18 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 5,967.04 27.00 42.23 290.70 344.94 150.49 91.56 347.78 328.13 1,347.06 78.00 109.86 417.42 11,818.53 212.74 5,510.97 1,427.48 2,369.14 6,230.48 90.63 37,202.18

5,967.04 5,994.04 6,036.27 6,326.97 6,671.91 6,822.40 6,913.96 7,261.74 7,589.87 8,936.93 9,014.93 9,124.79 9,542.21 21,360.74 21,573.48 27,084.45 28,511.93 30,881.07 37,111.55 37,202.18

16.04 0.07 0.11 0.78 0.93 0.40 0.25 0.93 0.88 3.62 0.21 0.30 1.12 31.77 0.57 14.81 3.84 6.37 16.75 0.24

16.04 16.11 16.23 17.01 17.93 18.34 18.58 19.52 20.40 24.02 24.23 24.53 25.65 57.42 57.99 72.80 76.64 83.01 99.76 100.00

LOSS RATIO PERCENTAGE BAND CUM. 425.98 5.09 3.53 24.50 17.02 10.99 6.71 23.97 31.09 225.13 14.29 17.62 61.27 1354.46 24.23 196.21 48.57 129.42 149.19 4.70

425.98 310.36 192.97 146.64 105.22 88.49 76.19 68.99 65.54 73.38 70.84 68.36 68.01 143.33 136.71 145.70 132.44 132.20 134.78 126.26

126.26

Page 27 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 09 - DKI JAKARTA

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 23,541 17,162 32,079 27,240 36,845 20,432 14,823 11,367 6,284 3,304 2,544 2,898 1,922 2,308 1,486 2,118 1,601 712 860 348 209,874

23,541 40,703 72,782 100,022 136,867 157,299 172,122 183,489 189,773 193,077 195,621 198,519 200,441 202,749 204,235 206,353 207,954 208,666 209,526 209,874

11.22 8.18 15.28 12.98 17.56 9.74 7.06 5.42 2.99 1.57 1.21 1.38 0.92 1.10 0.71 1.01 0.76 0.34 0.41 0.17

11.22 19.39 34.68 47.66 65.21 74.95 82.01 87.43 90.42 92.00 93.21 94.59 95.51 96.61 97.31 98.32 99.09 99.42 99.83 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 22,052.43 4,213.51 10,352.19 13,275.88 26,128.74 20,906.29 21,491.62 22,528.42 17,096.32 14,481.43 9,956.06 13,916.72 11,171.80 15,658.33 11,741.31 24,345.33 22,509.57 16,481.02 31,632.67 400,530.46 730,470.09

22,052.43 26,265.94 36,618.13 49,894.01 76,022.75 96,929.04 118,420.67 140,949.09 158,045.41 172,526.84 182,482.89 196,399.61 207,571.41 223,229.74 234,971.05 259,316.38 281,825.95 298,306.97 329,939.63 730,470.09

3.02 0.58 1.42 1.82 3.58 2.86 2.94 3.08 2.34 1.98 1.36 1.91 1.53 2.14 1.61 3.33 3.08 2.26 4.33 54.83

3.02 3.60 5.01 6.83 10.41 13.27 16.21 19.30 21.64 23.62 24.98 26.89 28.42 30.56 32.17 35.50 38.58 40.84 45.17 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 510 143 213 238 445 297 230 316 189 103 99 104 170 190 111 197 243 193 474 762 5,227

510 653 866 1,104 1,549 1,846 2,076 2,392 2,581 2,684 2,783 2,887 3,057 3,247 3,358 3,555 3,798 3,991 4,465 5,227

9.76 2.74 4.07 4.55 8.51 5.68 4.40 6.05 3.62 1.97 1.89 1.99 3.25 3.63 2.12 3.77 4.65 3.69 9.07 14.58

9.76 12.49 16.57 21.12 29.63 35.32 39.72 45.76 49.38 51.35 53.24 55.23 58.48 62.12 64.24 68.01 72.66 76.35 85.42 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 22,563.00 2,278.61 3,822.74 4,089.72 7,787.77 7,097.43 11,672.07 30,016.79 11,039.25 5,567.19 9,517.23 7,636.48 62,475.37 19,836.00 30,702.86 24,261.00 36,973.03 94,012.69 77,250.19 588,121.45 1,056,720.86

22,563.00 24,841.61 28,664.35 32,754.07 40,541.85 47,639.28 59,311.34 89,328.13 100,367.38 105,934.57 115,451.79 123,088.27 185,563.64 205,399.64 236,102.50 260,363.51 297,336.54 391,349.22 468,599.41 1,056,720.86

2.14 0.22 0.36 0.39 0.74 0.67 1.10 2.84 1.04 0.53 0.90 0.72 5.91 1.88 2.91 2.30 3.50 8.90 7.31 55.66

2.14 2.35 2.71 3.10 3.84 4.51 5.61 8.45 9.50 10.02 10.93 11.65 17.56 19.44 22.34 24.64 28.14 37.03 44.34 100.00

LOSS RATIO PERCENTAGE BAND CUM. 102.32 54.08 36.93 30.81 29.81 33.95 54.31 133.24 64.57 38.44 95.59 54.87 559.22 126.68 261.49 99.65 164.25 570.43 244.21 146.84

102.32 94.58 78.28 65.65 53.33 49.15 50.09 63.38 63.51 61.40 63.27 62.67 89.40 92.01 100.48 100.40 105.50 131.19 142.03 144.66

144.66

Page 28 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 10 - JAWA BARAT

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 27,735 26,152 27,907 15,580 15,092 , 7,785 5,260 4,303 2,471 1,389 1,203 1,363 984 1,434 1,007 1,843 1,669 905 964 312 145,358

27,735 53,887 81,794 97,374 112,466 , 120,251 125,511 129,814 132,285 133,674 134,877 136,240 137,224 138,658 139,665 141,508 143,177 144,082 145,046 145,358

19.08 19.08 17.99 37.07 19.20 56.27 10.72 66.99 10.38 77.37 5.36 82.73 3.62 86.35 2.96 89.31 1.70 91.01 0.96 91.96 0.83 92.79 0.94 93.73 0.68 94.40 0.99 95.39 0.69 96.08 1.27 97.35 1.15 98.50 0.62 99.12 0.66 99.79 0.21 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 14,761.40 5,809.03 10,114.12 9,190.70 13,379.54 , 9,898.30 9,797.71 10,045.15 8,288.84 5,098.42 5,297.92 6,903.30 5,887.32 11,077.31 8,733.32 22,049.14 25,297.83 18,626.86 17,267.02 17,043.53 234,566.76

14,761.40 20,570.43 30,684.55 39,875.25 53,254.79 , 63,153.09 72,950.80 82,995.95 91,284.79 96,383.21 101,681.13 108,584.43 114,471.75 125,549.06 134,282.38 156,331.51 181,629.35 200,256.21 217,523.23 234,566.76

6.29 2.48 4.31 3.92 5.70 4.22 4.18 4.28 3.53 2.17 2.26 2.94 2.51 4.72 3.72 9.40 10.78 7.94 7.36 7.27

6.29 8.77 13.08 17.00 22.70 26.92 31.10 35.38 38.92 41.09 43.35 46.29 48.80 53.52 57.25 66.65 77.43 85.37 92.73 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 453 77 112 118 109 75 79 52 59 41 24 47 5 101 92 209 174 181 259 300 2,635

453 530 642 760 869 944 1,023 1,075 1,134 1,175 1,199 1,246 1,319 1,420 1,512 1,721 1,895 2,076 2,335 2,635

17.19 17.19 2.92 20.11 4.25 24.36 4.48 28.84 4.14 32.98 2.85 35.83 3.00 38.82 1.97 40.80 2.24 43.04 1.56 44.59 0.91 45.50 1.78 47.29 2.77 50.06 3.83 53.89 3.49 57.38 7.93 65.31 6.60 71.92 6.87 78.79 9.83 88.61 11.39 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 49,820.84 6,880.74 1,345.94 2,271.96 1,655.26 , 4,080.31 4,711.36 6,019.20 7,524.21 1,239.82 1,234.24 1,978.70 2,345.15 9,399.07 11,437.56 13,472.60 7,472.01 38,022.15 105,162.01 384,369.36 660,442.47

49,820.84 56,701.58 58,047.52 60,319.48 61,974.74 , 66,055.05 70,766.41 76,785.60 84,309.81 85,549.63 86,783.87 88,762.57 91,107.72 100,506.79 111,944.35 125,416.94 132,888.96 170,911.10 276,073.11 660,442.47

7.54 1.04 0.20 0.34 0.25 0.62 0.71 0.91 1.14 0.19 0.19 0.30 0.36 1.42 1.73 2.04 1.13 5.76 15.92 58.20

LOSS RATIO PERCENTAGE BAND CUM.

7.54 337.51 8.59 118.45 8.79 13.31 9.13 24.72 9.38 12.37 10.00 41.22 10.71 48.09 11.63 59.92 12.77 90.78 12.95 24.32 13.14 23.30 13.44 28.66 13.79 39.83 15.22 84.85 16.95 130.96 18.99 61.10 20.12 29.54 25.88 204.13 41.80 609.03 100.00 2,255.22

337.51 275.65 189.18 151.27 116.37 104.60 97.01 92.52 92.36 88.76 85.35 81.75 79.59 80.05 83.36 80.22 73.16 85.35 126.92 281.56

281.56

Page 29 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 11 - JAWA TENGAH

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 23,557 15,136 13,168 6,560 6,779 , 3,827 2,585 2,244 1,314 724 629 713 505 665 396 661 527 218 250 91 80,549

23,557 38,693 51,861 58,421 65,200 , 69,027 71,612 73,856 75,170 75,894 76,523 77,236 77,741 78,406 78,802 79,463 79,990 80,208 80,458 80,549

29.25 29.25 18.79 48.04 16.35 64.38 8.14 72.53 8.42 80.94 4.75 85.70 3.21 88.90 2.79 91.69 1.63 93.32 0.90 94.22 0.78 95.00 0.89 95.89 0.63 96.51 0.83 97.34 0.49 97.83 0.82 98.65 0.65 99.31 0.27 99.58 0.31 99.89 0.11 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

5,467.84 4,795.52 4,859.51 4,013.57 6,654.25 , 5,072.53 4,653.78 5,425.18 4,214.36 2,727.78 2,708.25 3,801.67 3,378.29 9,388.62 3,651.68 8,205.71 8,412.77 3,965.98 4,598.20 9,733.94

206 34 61 23 68 47 56 55 24 28 13 38 61 26 40 81 143 70 36 45

105,729.44

5,467.84 10,263.36 15,122.87 19,136.45 25,790.69 , 30,863.22 35,517.00 40,942.18 45,156.54 47,884.33 50,592.58 54,394.25 57,772.54 67,161.16 70,812.85 79,018.56 87,431.33 91,397.31 95,995.51 105,729.44

5.17 5.17 4.54 9.71 4.60 14.30 3.80 18.10 6.29 24.39 4.80 29.19 4.40 33.59 5.13 38.72 3.99 42.71 2.58 45.29 2.56 47.85 3.60 51.45 3.20 54.64 8.88 63.52 3.45 66.98 7.76 74.74 7.96 82.69 3.75 86.44 4.35 90.79 9.21 100.00

1,155

206 240 301 324 392 439 495 550 574 602 615 653 714 740 780 861 1,004 1,074 1,110 1,155

17.84 17.84 2.94 20.78 5.28 26.06 1.99 28.05 5.89 33.94 4.07 38.01 4.85 42.86 4.76 47.62 2.08 49.70 2.42 52.12 1.13 53.25 3.29 56.54 5.28 61.82 2.25 64.07 3.46 67.53 7.01 74.55 12.38 86.93 6.06 92.99 3.12 96.10 3.90 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 7,704.24 170.93 650.47 789.72 981.58 , 2,231.45 2,216.13 1,888.76 1,869.96 1,873.21 506.45 1,876.22 5,588.88 572.60 2,626.12 16,655.82 3,913.50 2,459.58 59,549.74 (3,243.50) 110,881.85

7,704.24 7,875.17 8,525.64 9,315.36 10,296.93 , 12,528.39 14,744.52 16,633.29 18,503.24 20,376.45 20,882.90 22,759.12 28,348.00 28,920.60 31,546.71 48,202.54 52,116.03 54,575.61 114,125.35 110,881.85

6.95 0.15 0.59 0.71 0.89 2.01 2.00 1.70 1.69 1.69 0.46 1.69 5.04 0.52 2.37 15.02 3.53 2.22 53.71 (2.93)

LOSS RATIO PERCENTAGE BAND CUM.

6.95 140.90 7.10 3.56 7.69 13.39 8.40 19.68 9.29 14.75 11.30 43.99 13.30 47.62 15.00 34.81 16.69 44.37 18.38 68.67 18.83 18.70 20.53 49.35 25.57 165.44 26.08 6.10 28.45 71.92 43.47 202.98 47.00 46.52 49.22 62.02 102.93 1,295.07 100.00 (33.32)

140.90 76.73 56.38 48.68 39.93 40.59 41.51 40.63 40.98 42.55 41.28 41.84 49.07 43.06 44.55 61.00 59.61 59.71 118.89 104.87

104.87

Page 30 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 12 - DAERAH ISTIMEWA YOGYAKARTA

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

2,302 1,891 1,940 1,072 1,065 642 452 310 224 126 94 96 71 82 54 94 60 29 16 4

590.13 376.63 721.84 567.99 931.51 757.42 794.46 686.55 569.66 360.38 363.58 385.81 374.12 593.65 448.37 1,893.07 567.68 580.68 138.54 (58.78)

14 2 6 6 10 6 4 2 7 0 0 2 0 4 3 4 3 6 0 0

10,624

2,302 4,193 6,133 7,205 8,270 , 8,912 9,364 9,674 9,898 10,024 10,118 10,214 10,285 10,367 10,421 10,515 10,575 10,604 10,620 10,624

21.67 17.80 18.26 10.09 10.02 6.04 4.25 2.92 2.11 1.19 0.88 0.90 0.67 0.77 0.51 0.88 0.56 0.27 0.15 0.04

21.67 39.47 57.73 67.82 77.84 83.89 88.14 91.06 93.17 94.35 95.24 96.14 96.81 97.58 98.09 98.97 99.54 99.81 99.96 100.00

11,643.28

590.13 966.76 1,688.60 2,256.60 3,188.10 , 3,945.52 4,739.98 5,426.52 5,996.19 6,356.57 6,720.15 7,105.96 7,480.08 8,073.73 8,522.10 10,415.17 10,982.85 11,563.53 11,702.07 11,643.28

5.07 3.23 6.20 4.88 8.00 6.51 6.82 5.90 4.89 3.10 3.12 3.31 3.21 5.10 3.85 16.26 4.88 4.99 1.19 (0.50)

5.07 8.30 14.50 19.38 27.38 33.89 40.71 46.61 51.50 54.59 57.72 61.03 64.24 69.34 73.19 89.45 94.33 99.32 100.50 100.00

14 16 22 28 38 44 48 50 57 57 57 59 59 63 66 70 73 79 79 79

17.72 2.53 7.59 7.59 12.66 7.59 5.06 2.53 8.86 0.00 0.00 2.53 0.00 5.06 3.80 5.06 3.80 7.59 0.00 0.00

17.72 20.25 27.85 35.44 48.10 55.70 60.76 63.29 72.15 72.15 72.15 74.68 74.68 79.75 83.54 88.61 92.41 100.00 100.00 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 336.53 7.64 140.48 14.76 15.42 590.26 184.60 1.10 90.47 0.00 0.00 34.41 0.00 8.11 191.38 142.09 62,860.00 558.01 0.00 0.00 65,175.25

336.53 344.17 484.64 499.40 514.82 , 1,105.08 1,289.68 1,290.77 1,381.25 1,381.25 1,381.25 1,415.66 1,415.66 1,423.76 1,615.15 1,757.24 64,617.24 65,175.25 65,175.25 65,175.25

0.52 0.01 0.22 0.02 0.02 0.91 0.28 0.00 0.14 0.00 0.00 0.05 0.00 0.01 0.29 0.22 96.45 0.86 0.00 0.00

LOSS RATIO PERCENTAGE BAND CUM.

0.52 57.03 0.53 2.03 0.74 19.46 0.77 2.60 0.79 1.66 1.70 77.93 1.98 23.24 1.98 0.16 2.12 15.88 2.12 0.00 2.12 0.00 2.17 8.92 2.17 0.00 2.18 1.37 2.48 42.68 2.70 7.51 99.14 11,073.22 100.00 96.10 100.00 0.00 100.00 0.00

57.03 35.60 28.70 22.13 16.15 28.01 27.21 23.79 23.04 21.73 20.55 19.92 18.93 17.63 18.95 16.87 588.35 563.63 556.95 559.77

559.77

Page 31 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 13 - JAWA TIMUR

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 19,874 17,570 18,204 10,650 11,980 , 6,795 4,848 4,252 2,590 1,414 1,103 1,275 877 1,149 765 1,242 908 411 386 151 106,444

19,874 37,444 55,648 66,298 78,278 , 85,073 89,921 94,173 96,763 98,177 99,280 100,555 101,432 102,581 103,346 104,588 105,496 105,907 106,293 106,444

18.67 18.67 16.51 35.18 17.10 52.28 10.01 62.28 11.25 73.54 6.38 79.92 4.55 84.48 3.99 88.47 2.43 90.91 1.33 92.23 1.04 93.27 1.20 94.47 0.82 95.29 1.08 96.37 0.72 97.09 1.17 98.26 0.85 99.11 0.39 99.50 0.36 99.86 0.14 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 16,085.97 3,392.08 6,513.20 6,285.27 10,617.39 , 8,202.63 8,142.51 10,480.99 7,644.95 5,239.42 6,605.64 7,102.25 5,655.72 9,304.68 8,046.65 17,919.06 19,529.63 8,118.54 6,942.00 2,788.79 174,617.36

16,085.97 19,478.04 25,991.24 32,276.51 42,893.91 , 51,096.54 59,239.04 69,720.03 77,364.99 82,604.41 89,210.05 96,312.30 101,968.02 111,272.70 119,319.34 137,238.40 156,768.03 164,886.57 171,828.57 174,617.36

9.21 9.21 1.94 11.15 3.73 14.88 3.60 18.48 6.08 24.56 4.70 29.26 4.66 33.93 6.00 39.93 4.38 44.31 3.00 47.31 3.78 51.09 4.07 55.16 3.24 58.40 5.33 63.72 4.61 68.33 10.26 78.59 11.18 89.78 4.65 94.43 3.98 98.40 1.60 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 194 26 40 30 78 97 45 129 27 25 31 122 36 54 69 97 120 90 123 74 1,507

194 220 260 290 368 465 510 639 666 691 722 844 880 934 1,003 1,100 1,220 1,310 1,433 1,507

12.87 12.87 1.73 14.60 2.65 17.25 1.99 19.24 5.18 24.42 6.44 30.86 2.99 33.84 8.56 42.40 1.79 44.19 1.66 45.85 2.06 47.91 8.10 56.01 2.39 58.39 3.58 61.98 4.58 66.56 6.44 72.99 7.96 80.96 5.97 86.93 8.16 95.09 4.91 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 50,057.08 334.95 722.90 1,163.54 3,118.36 , 1,680.43 2,558.63 2,206.33 2,328.98 230.62 1,109.22 2,537.53 2,917.17 4,903.75 8,824.80 35,245.14 58,502.21 105,784.76 20,456.71 42,388.59 347,071.69

50,057.08 50,392.03 51,114.93 52,278.47 55,396.84 , 57,077.26 59,635.89 61,842.22 64,171.20 64,401.82 65,511.04 68,048.56 70,965.73 75,869.48 84,694.28 119,939.42 178,441.63 284,226.39 304,683.10 347,071.69

14.42 0.10 0.21 0.34 0.90 0.48 0.74 0.64 0.67 0.07 0.32 0.73 0.84 1.41 2.54 10.16 16.86 30.48 5.89 12.21

LOSS RATIO PERCENTAGE BAND CUM.

14.42 311.18 14.52 9.87 14.73 11.10 15.06 18.51 15.96 29.37 16.45 20.49 17.18 31.42 17.82 21.05 18.49 30.46 18.56 4.40 18.88 16.79 19.61 35.73 20.45 51.58 21.86 52.70 24.40 109.67 34.56 196.69 51.41 299.56 81.89 1,303.00 87.79 294.68 100.00 1,519.96

311.18 258.71 196.66 161.97 129.15 111.70 100.67 88.70 82.95 77.96 73.43 70.65 69.60 68.18 70.98 87.39 113.83 172.38 177.32 198.76

198.76

Page 32 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 14 - KALIMANTAN BARAT

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,641 8,529 7,688 2,502 1,990 680 449 301 134 81 66 82 55 61 25 57 41 22 20 9 28,433

5,641 14,170 21,858 24,360 26,350 , 27,030 27,479 27,780 27,914 27,995 28,061 28,143 28,198 28,259 28,284 28,341 28,382 28,404 28,424 28,433

19.84 30.00 27.04 8.80 7.00 2.39 1.58 1.06 0.47 0.28 0.23 0.29 0.19 0.21 0.09 0.20 0.14 0.08 0.07 0.03

19.84 49.84 76.88 85.68 92.67 95.07 96.64 97.70 98.17 98.46 98.69 98.98 99.17 99.39 99.48 99.68 99.82 99.90 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,834.71 4,194.69 7,233.98 7,321.95 4,646.92 , 2,136.57 1,645.37 1,501.37 870.32 473.97 594.16 823.24 742.00 834.65 319.67 1,277.21 1,060.33 375.02 573.02 59.97 39,519.13

2,834.71 7,029.40 14,263.38 21,585.34 26,232.26 , 28,368.83 30,014.20 31,515.57 32,385.89 32,859.86 33,454.02 34,277.27 35,019.26 35,853.91 36,173.58 37,450.79 38,511.12 38,886.14 39,459.16 39,519.13

7.17 10.61 18.31 18.53 11.76 5.41 4.16 3.80 2.20 1.20 1.50 2.08 1.88 2.11 0.81 3.23 2.68 0.95 1.45 0.15

7.17 17.79 36.09 54.62 66.38 71.79 75.95 79.75 81.95 83.15 84.65 86.74 88.61 90.73 91.53 94.77 97.45 98.40 99.85 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 44 83 85 32 27 14 11 9 2 0 2 2 0 0 0 0 2 0 0 0 313

44 127 212 244 271 285 296 305 307 307 309 311 311 311 311 311 313 313 313 313

14.06 26.52 27.16 10.22 8.63 4.47 3.51 2.88 0.64 0.00 0.64 0.64 0.00 0.00 0.00 0.00 0.64 0.00 0.00 0.00

14.06 40.58 67.73 77.96 86.58 91.05 94.57 97.44 98.08 98.08 98.72 99.36 99.36 99.36 99.36 99.36 100.00 100.00 100.00 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 6,969.54 2,059.58 4,788.53 2,802.75 3,541.62 700.28 1,277.90 1,398.43 2.31 0.00 254.75 11.71 0.00 0.00 0.00 0.00 5.59 0.00 0.00 0.00 23,812.97

6,969.54 9,029.11 13,817.64 16,620.39 20,162.01 , 20,862.29 22,140.18 23,538.61 23,540.92 23,540.92 23,795.67 23,807.38 23,807.38 23,807.38 23,807.38 23,807.38 23,812.97 23,812.97 23,812.97 23,812.97

29.27 8.65 20.11 11.77 14.87 2.94 5.37 5.87 0.01 0.00 1.07 0.05 0.00 0.00 0.00 0.00 0.02 0.00 0.00 0.00

29.27 37.92 58.03 69.80 84.67 87.61 92.98 98.85 98.86 98.86 99.93 99.98 99.98 99.98 99.98 99.98 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 245.86 49.10 66.19 38.28 76.21 32.78 77.67 93.14 0.26 0.00 42.88 1.42 0.00 0.00 0.00 0.00 0.53 0.00 0.00 0.00

245.86 128.45 96.87 77.00 76.86 73.54 73.77 74.69 72.69 71.64 71.13 69.46 67.98 66.40 65.81 63.57 61.83 61.24 60.35 60.26

60.26

Page 33 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 15 - KALIMANTAN TENGAH

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,368 1,581 1,247 606 658 304 167 113 79 46 20 31 14 24 22 23 14 18 6 7 7,348

2,368 3,949 5,196 5,802 6,460 6,764 6,931 7,044 7,123 7,169 7,189 7,220 7,234 7,258 7,280 7,303 7,317 7,335 7,341 7,348

32.23 21.52 16.97 8.25 8.95 4.14 2.27 1.54 1.08 0.63 0.27 0.42 0.19 0.33 0.30 0.31 0.19 0.24 0.08 0.10

32.23 53.74 70.71 78.96 87.92 92.05 94.32 95.86 96.94 97.56 97.84 98.26 98.45 98.78 99.07 99.39 99.58 99.82 99.90 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 467.16 534.82 836.98 766.75 1,120.36 740.30 494.20 466.76 444.41 207.58 138.73 247.60 184.85 221.79 392.36 413.51 1,128.77 266.21 143.46 42.41 9,259.01

467.16 1,001.98 1,838.95 2,605.71 3,726.06 4,466.37 4,960.56 5,427.33 5,871.74 6,079.32 6,218.05 6,465.65 6,650.49 6,872.28 7,264.65 7,678.16 8,806.93 9,073.14 9,216.60 9,259.01

5.05 5.78 9.04 8.28 12.10 8.00 5.34 5.04 4.80 2.24 1.50 2.67 2.00 2.40 4.24 4.47 12.19 2.88 1.55 0.46

5.05 10.82 19.86 28.14 40.24 48.24 53.58 58.62 63.42 65.66 67.16 69.83 71.83 74.22 78.46 82.93 95.12 97.99 99.54 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 12 4 6 2 0 0 0 0 6 0 2 2 2 0 10 7 6 0 0 61

2 14 18 24 26 26 26 26 26 32 32 34 36 38 38 48 55 61 61 61

3.28 19.67 6.56 9.84 3.28 0.00 0.00 0.00 0.00 9.84 0.00 3.28 3.28 3.28 0.00 16.39 11.48 9.84 0.00 0.00

3.28 22.95 29.51 39.34 42.62 42.62 42.62 42.62 42.62 52.46 52.46 55.74 59.02 62.30 62.30 78.69 90.16 100.00 100.00 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2.28 246.76 70.89 160.58 292.28 0.00 0.00 0.00 0.00 392.80 0.00 96.16 3.90 14.40 0.00 46.18 132.18 31.23 0.00 0.00 1,489.64

2.28 249.04 319.92 480.51 772.78 772.78 772.78 772.78 772.78 1,165.58 1,165.58 1,261.74 1,265.64 1,280.04 1,280.04 1,326.23 1,458.41 1,489.64 1,489.64 1,489.64

0.15 16.56 4.76 10.78 19.62 0.00 0.00 0.00 0.00 26.37 0.00 6.46 0.26 0.97 0.00 3.10 8.87 2.10 0.00 0.00

0.15 16.72 21.48 32.26 51.88 51.88 51.88 51.88 51.88 78.25 78.25 84.70 84.96 85.93 85.93 89.03 97.90 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.49 46.14 8.47 20.94 26.09 0.00 0.00 0.00 0.00 189.23 0.00 38.84 2.11 6.49 0.00 11.17 11.71 11.73 0.00 0.00

0.49 24.85 17.40 18.44 20.74 17.30 15.58 14.24 13.16 19.17 18.75 19.51 19.03 18.63 17.62 17.27 16.56 16.42 16.16 16.09

16.09

Page 34 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 16 - KALIMANTAN SELATAN

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

3,239 2,924 2,712 1,372 1,278 786 444 314 191 125 82 119 55 85 68 78 48 41 40 22

1,033.65 818.63 1,156.94 900.50 1,496.19 , 1,546.67 1,175.74 1,028.83 757.50 653.38 394.48 692.56 330.51 708.99 718.94 1,486.81 768.74 724.04 853.25 365.47

12 14 8 11 5 5 12 0 7 0 2 0 4 5 2 2 10 2 11 4

14,023

3,239 6,163 8,875 10,247 11,525 , 12,311 12,755 13,069 13,260 13,385 13,467 13,586 13,641 13,726 13,794 13,872 13,920 13,961 14,001 14,023

23.10 20.85 19.34 9.78 9.11 5.61 3.17 2.24 1.36 0.89 0.58 0.85 0.39 0.61 0.48 0.56 0.34 0.29 0.29 0.16

23.10 43.95 63.29 73.07 82.19 87.79 90.96 93.20 94.56 95.45 96.04 96.88 97.28 97.88 98.37 98.92 99.27 99.56 99.84 100.00

17,611.84

1,033.65 1,852.28 3,009.22 3,909.72 5,405.91 , 6,952.58 8,128.32 9,157.15 9,914.65 10,568.04 10,962.52 11,655.08 11,985.60 12,694.59 13,413.53 14,900.34 15,669.08 16,393.12 17,246.37 17,611.84

5.87 4.65 6.57 5.11 8.50 8.78 6.68 5.84 4.30 3.71 2.24 3.93 1.88 4.03 4.08 8.44 4.36 4.11 4.84 2.08

5.87 10.52 17.09 22.20 30.69 39.48 46.15 51.99 56.30 60.01 62.25 66.18 68.05 72.08 76.16 84.60 88.97 93.08 97.92 100.00

116

12 26 34 45 50 55 67 67 74 74 76 76 80 85 87 89 99 101 112 116

10.34 10.34 12.07 22.41 6.90 29.31 9.48 38.79 4.31 43.10 4.31 47.41 10.34 57.76 0.00 57.76 6.03 63.79 0.00 63.79 1.72 65.52 0.00 65.52 3.45 68.97 4.31 73.28 1.72 75.00 1.72 76.72 8.62 85.34 1.72 87.07 9.48 96.55 3.45 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 80.33 369.97 251.02 459.96 16.42 396.42 3,545.71 0.00 1,299.63 0.00 7.34 0.00 23.49 94.95 55.73 19.74 467.74 120.87 783.85 8,167.15 16,160.32

80.33 450.30 701.32 1,161.28 1,177.69 , 1,574.11 5,119.83 5,119.83 6,419.46 6,419.46 6,426.80 6,426.80 6,450.29 6,545.24 6,600.97 6,620.70 7,088.44 7,209.31 7,993.16 16,160.32

0.50 2.29 1.55 2.85 0.10 2.45 21.94 0.00 8.04 0.00 0.05 0.00 0.15 0.59 0.34 0.12 2.89 0.75 4.85 50.54

0.50 2.79 4.34 7.19 7.29 9.74 31.68 31.68 39.72 39.72 39.77 39.77 39.91 40.50 40.85 40.97 43.86 44.61 49.46 100.00

LOSS RATIO PERCENTAGE BAND CUM. 7.77 45.19 21.70 51.08 1.10 25.63 301.57 0.00 171.57 0.00 1.86 0.00 7.11 13.39 7.75 1.33 60.84 16.69 91.87 2,234.71

7.77 24.31 23.31 29.70 21.79 22.64 62.99 55.91 64.75 60.74 58.63 55.14 53.82 51.56 49.21 44.43 45.24 43.98 46.35 91.76

91.76

Page 35 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 17 - KALIMANTAN TIMUR

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

2,744 3,718 4,622 2,869 3,281 , 1,628 1,138 727 458 166 174 153 97 137 93 134 97 47 53 60

1,393.88 876.84 2,238.29 2,200.82 4,980.28 , 3,198.50 3,287.67 2,667.12 2,211.60 830.16 1,012.97 1,157.76 754.65 1,389.73 810.80 1,857.69 2,357.29 1,504.55 6,291.32 2,534.07

22,396

2,744 6,462 11,084 13,953 17,234 , 18,862 20,000 20,727 21,185 21,351 21,525 21,678 21,775 21,912 22,005 22,139 22,236 22,283 22,336 22,396

12.25 16.60 20.64 12.81 14.65 7.27 5.08 3.25 2.05 0.74 0.78 0.68 0.43 0.61 0.42 0.60 0.43 0.21 0.24 0.27

12.25 28.85 49.49 62.30 76.95 84.22 89.30 92.55 94.59 95.33 96.11 96.79 97.23 97.84 98.25 98.85 99.29 99.50 99.73 100.00

43,556.00

1,393.88 2,270.72 4,509.01 6,709.83 11,690.11 , 14,888.61 18,176.29 20,843.41 23,055.01 23,885.17 24,898.14 26,055.90 26,810.55 28,200.28 29,011.08 30,868.77 33,226.06 34,730.60 41,021.92 43,556.00

3.20 2.01 5.14 5.05 11.43 7.34 7.55 6.12 5.08 1.91 2.33 2.66 1.73 3.19 1.86 4.27 5.41 3.45 14.44 5.82

3.20 5.21 10.35 15.41 26.84 34.18 41.73 47.85 52.93 54.84 57.16 59.82 61.55 64.74 66.61 70.87 76.28 79.74 94.18 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 51 8 18 11 23 6 9 6 11 0 0 6 2 3 10 6 14 10 10 9 213

51 59 77 88 111 117 126 132 143 143 143 149 151 154 164 170 184 194 204 213

23.94 3.76 8.45 5.16 10.80 2.82 4.23 2.82 5.16 0.00 0.00 2.82 0.94 1.41 4.69 2.82 6.57 4.69 4.69 4.23

23.94 27.70 36.15 41.31 52.11 54.93 59.15 61.97 67.14 67.14 67.14 69.95 70.89 72.30 77.00 79.81 86.38 91.08 95.77 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 825.51 102.83 760.26 655.60 1,013.39 674.40 1,758.16 141.27 1,190.00 0.00 0.00 307.42 72.01 96.57 230.53 102.84 1,271.18 1,364.61 860.19 32.56 11,459.35

825.51 928.34 1,688.60 2,344.20 3,357.60 , 4,031.99 5,790.15 5,931.42 7,121.43 7,121.43 7,121.43 7,428.85 7,500.86 7,597.44 7,827.97 7,930.81 9,201.99 10,566.60 11,426.79 11,459.35

7.20 0.90 6.63 5.72 8.84 5.89 15.34 1.23 10.38 0.00 0.00 2.68 0.63 0.84 2.01 0.90 11.09 11.91 7.51 0.28

7.20 8.10 14.74 20.46 29.30 35.19 50.53 51.76 62.15 62.15 62.15 64.83 65.46 66.30 68.31 69.21 80.30 92.21 99.72 100.00

LOSS RATIO PERCENTAGE BAND CUM. 59.22 11.73 33.97 29.79 20.35 21.08 53.48 5.30 53.81 0.00 0.00 26.55 9.54 6.95 28.43 5.54 53.93 90.70 13.67 1.28

59.22 40.88 37.45 34.94 28.72 27.08 31.86 28.46 30.89 29.82 28.60 28.51 27.98 26.94 26.98 25.69 27.70 30.42 27.86 26.31

26.31

Page 36 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 18 - SULAWESI UTARA

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,379 1,631 2,185 1,191 1,312 732 561 494 268 150 86 124 60 108 69 70 32 10 7 3 10,472

1,379 3,010 5,195 6,386 7,698 , 8,430 8,991 9,485 9,753 9,903 9,989 10,113 10,173 10,281 10,350 10,420 10,452 10,462 10,469 10,472

13.17 15.57 20.87 11.37 12.53 6.99 5.36 4.72 2.56 1.43 0.82 1.18 0.57 1.03 0.66 0.67 0.31 0.10 0.07 0.03

13.17 28.74 49.61 60.98 73.51 80.50 85.86 90.57 93.13 94.57 95.39 96.57 97.14 98.18 98.83 99.50 99.81 99.90 99.97 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

397.54 390.64 814.59 722.17 1,353.89 , 1,306.43 1,350.79 1,579.49 1,153.79 701.46 413.27 762.29 523.49 918.52 815.85 804.66 357.75 245.96 69.46 41.16

6 0 4 10 7 2 0 2 0 3 4 0 0 0 0 4 0 2 0 2

14,723.19

397.54 788.18 1,602.77 2,324.94 3,678.83 , 4,985.26 6,336.05 7,915.54 9,069.32 9,770.78 10,184.05 10,946.34 11,469.82 12,388.35 13,204.20 14,008.86 14,366.61 14,612.57 14,682.03 14,723.19

2.70 2.65 5.53 4.90 9.20 8.87 9.17 10.73 7.84 4.76 2.81 5.18 3.56 6.24 5.54 5.47 2.43 1.67 0.47 0.28

2.70 5.35 10.89 15.79 24.99 33.86 43.03 53.76 61.60 66.36 69.17 74.35 77.90 84.14 89.68 95.15 97.58 99.25 99.72 100.00

6 6 10 20 27 29 29 31 31 34 38 38 38 38 38 42 42 44 44 46

13.04 0.00 8.70 21.74 15.22 4.35 0.00 4.35 0.00 6.52 8.70 0.00 0.00 0.00 0.00 8.70 0.00 4.35 0.00 4.35

13.04 13.04 21.74 43.48 58.70 63.04 63.04 67.39 67.39 73.91 82.61 82.61 82.61 82.61 82.61 91.30 91.30 95.65 95.65 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 62.75 0.00 5,661.53 351.25 1,050.26 20.05 0.00 18.16 0.00 1,611.43 91.70 0.00 0.00 0.00 0.00 73.40 0.00 195.75 0.00 50.00 9,186.28

62.75 62.75 5,724.28 6,075.53 7,125.79 , 7,145.83 7,145.83 7,163.99 7,163.99 8,775.43 8,867.13 8,867.13 8,867.13 8,867.13 8,867.13 8,940.53 8,940.53 9,136.28 9,136.28 9,186.28

0.68 0.00 61.63 3.82 11.43 0.22 0.00 0.20 0.00 17.54 1.00 0.00 0.00 0.00 0.00 0.80 0.00 2.13 0.00 0.54

0.68 0.68 62.31 66.14 77.57 77.79 77.79 77.99 77.99 95.53 96.53 96.53 96.53 96.53 96.53 97.32 97.32 99.46 99.46 100.00

LOSS RATIO PERCENTAGE BAND CUM. 15.78 0.00 695.01 48.64 77.57 1.53 0.00 1.15 0.00 229.73 22.19 0.00 0.00 0.00 0.00 9.12 0.00 79.59 0.00 121.48

15.78 7.96 357.15 261.32 193.70 143.34 112.78 90.51 78.99 89.81 87.07 81.01 77.31 71.58 67.15 63.82 62.23 62.52 62.23 62.39

62.39

Page 37 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 19 - SULAWESI TENGAH

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

1,188 1,319 1,317 702 742 415 257 273 124 71 52 49 36 39 18 29 20 6 5 3

188.06 350.18 688.84 704.80 1,217.62 , 1,009.04 993.00 1,215.25 686.09 469.12 330.91 491.28 251.96 376.25 353.73 579.95 249.34 24.19 50.33 28.48

6,665

1,188 2,507 3,824 4,526 5,268 , 5,683 5,940 6,213 6,337 6,408 6,460 6,509 6,545 6,584 6,602 6,631 6,651 6,657 6,662 6,665

17.82 19.79 19.76 10.53 11.13 6.23 3.86 4.10 1.86 1.07 0.78 0.74 0.54 0.59 0.27 0.44 0.30 0.09 0.08 0.05

17.82 37.61 57.37 67.91 79.04 85.27 89.12 93.22 95.08 96.14 96.92 97.66 98.20 98.78 99.05 99.49 99.79 99.88 99.95 100.00

10,258.42

188.06 538.24 1,227.09 1,931.88 3,149.50 , 4,158.55 5,151.54 6,366.79 7,052.88 7,522.00 7,852.91 8,344.19 8,596.16 8,972.41 9,326.13 9,906.09 10,155.42 10,179.61 10,229.94 10,258.42

1.83 3.41 6.71 6.87 11.87 9.84 9.68 11.85 6.69 4.57 3.23 4.79 2.46 3.67 3.45 5.65 2.43 0.24 0.49 0.28

1.83 5.25 11.96 18.83 30.70 40.54 50.22 62.06 68.75 73.33 76.55 81.34 83.80 87.46 90.91 96.57 99.00 99.23 99.72 100.00

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

0 2 2 2 2 2 2 2 6 6 6 6 6 6 6 9 9 9 9 9

0.00 22.22 0.00 0.00 0.00 0.00 0.00 0.00 44.44 0.00 0.00 0.00 0.00 0.00 0.00 33.33 0.00 0.00 0.00 0.00

0.00 22.22 22.22 22.22 22.22 22.22 22.22 22.22 66.67 66.67 66.67 66.67 66.67 66.67 66.67 100.00 100.00 100.00 100.00 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 27.08 0.00 0.00 0.00 0.00 0.00 0.00 152.43 0.00 0.00 0.00 0.00 0.00 0.00 305.78 0.00 0.00 0.00 0.00 485.29

0.00 27.08 27.08 27.08 27.08 27.08 27.08 27.08 179.51 179.51 179.51 179.51 179.51 179.51 179.51 485.29 485.29 485.29 485.29 485.29

0.00 5.58 0.00 0.00 0.00 0.00 0.00 0.00 31.41 0.00 0.00 0.00 0.00 0.00 0.00 63.01 0.00 0.00 0.00 0.00

0.00 5.58 5.58 5.58 5.58 5.58 5.58 5.58 36.99 36.99 36.99 36.99 36.99 36.99 36.99 100.00 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 7.73 0.00 0.00 0.00 0.00 0.00 0.00 22.22 0.00 0.00 0.00 0.00 0.00 0.00 52.72 0.00 0.00 0.00 0.00

0.00 5.03 2.21 1.40 0.86 0.65 0.53 0.43 2.55 2.39 2.29 2.15 2.09 2.00 1.92 4.90 4.78 4.77 4.74 4.73

4.73

Page 38 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 20 - SULAWESI SELATAN

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

5,293 6,206 5,860 3,290 2,984 1,360 880 706 390 209 166 193 141 138 107 140 119 31 33 21 28,267

5,293 11,499 17,359 20,649 23,633 24,993 25,873 26,579 26,969 27,178 27,344 27,537 27,678 27,816 27,923 28,063 28,182 28,213 28,246 28,267

18.73 21.95 20.73 11.64 10.56 4.81 3.11 2.50 1.38 0.74 0.59 0.68 0.50 0.49 0.38 0.50 0.42 0.11 0.12 0.07

18.73 40.68 61.41 73.05 83.61 88.42 91.53 94.03 95.41 96.15 96.73 97.42 97.92 98.40 98.78 99.28 99.70 99.81 99.93 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

1,243.68 1,654.70 2,793.43 2,991.92 4,221.44 2,885.59 2,370.46 2,377.32 1,708.21 902.95 919.69 1,331.00 971.75 1,353.34 1,156.08 1,860.52 2,513.38 789.72 652.86 7,283.26

13 2 7 12 12 0 11 15 7 8 2 0 4 4 8 7 4 12 7 3

41,981.31

1,243.68 2,898.38 5,691.81 8,683.73 12,905.18 15,790.77 18,161.23 20,538.54 22,246.75 23,149.71 24,069.39 25,400.39 26,372.14 27,725.48 28,881.57 30,742.09 33,255.47 34,045.20 34,698.05 41,981.31

2.96 3.94 6.65 7.13 10.06 6.87 5.65 5.66 4.07 2.15 2.19 3.17 2.31 3.22 2.75 4.43 5.99 1.88 1.56 17.35

2.96 6.90 13.56 20.68 30.74 37.61 43.26 48.92 52.99 55.14 57.33 60.50 62.82 66.04 68.80 73.23 79.21 81.10 82.65 100.00

138

13 15 22 34 46 46 57 72 79 87 89 89 93 97 105 112 116 128 135 138

9.42 1.45 5.07 8.70 8.70 0.00 7.97 10.87 5.07 5.80 1.45 0.00 2.90 2.90 5.80 5.07 2.90 8.70 5.07 2.17

9.42 10.87 15.94 24.64 33.33 33.33 41.30 52.17 57.25 63.04 64.49 64.49 67.39 70.29 76.09 81.16 84.06 92.75 97.83 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 164.50 100.00 334.47 373.31 256.26 0.00 1,789.59 2,606.07 90.71 1,126.27 7.48 0.00 758.94 83.79 348.99 1,232.93 60.50 264.31 395.82 2.19 9,996.12

164.50 264.50 598.96 972.28 1,228.53 1,228.53 3,018.12 5,624.19 5,714.90 6,841.17 6,848.65 6,848.65 7,607.59 7,691.38 8,040.37 9,273.30 9,333.80 9,598.11 9,993.92 9,996.12

1.65 1.00 3.35 3.73 2.56 0.00 17.90 26.07 0.91 11.27 0.07 0.00 7.59 0.84 3.49 12.33 0.61 2.64 3.96 0.02

1.65 2.65 5.99 9.73 12.29 12.29 30.19 56.26 57.17 68.44 68.51 68.51 76.11 76.94 80.43 92.77 93.37 96.02 99.98 100.00

LOSS RATIO PERCENTAGE BAND CUM. 13.23 6.04 11.97 12.48 6.07 0.00 75.50 109.62 5.31 124.73 0.81 0.00 78.10 6.19 30.19 66.27 2.41 33.47 60.63 0.03

13.23 9.13 10.52 11.20 9.52 7.78 16.62 27.38 25.69 29.55 28.45 26.96 28.85 27.74 27.84 30.16 28.07 28.19 28.80 23.81

23.81

Page 39 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2007

PROVINCE

: 21 - SULAWESI TENGGARA

BAND

SUM INSURED Mid Points (In Million) From To

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 611 809 860 527 540 266 158 120 41 31 13 26 15 11 9 8 8 1 3 3 4,060

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

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

15.05 34.98 56.16 69.14 82.44 88.99 92.88 95.84 96.85 97.61 97.93 98.57 98.94 99.21 99.43 99.63 99.83 99.85 99.93 100.00

DATA POSITION FROM PROCESSING

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 110.31 157.21 404.49 529.11 856.02 683.91 505.03 562.47 190.70 176.08 54.78 168.30 82.96 86.71 10.92 76.16 167.34 0.31 24.14 68.87 4,915.80

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

2.24 2.24 3.20 5.44 8.23 13.67 10.76 24.43 17.41 41.85 13.91 55.76 10.27 66.03 11.44 77.48 3.88 81.35 3.58 84.94 1.11 86.05 3.42 89.47 1.69 91.16 1.76 92.93 0.22 93.15 1.55 94.70 3.40 98.10 0.01 98.11 0.49 98.60 1.40 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 1 1 1 0 0 1 0 0 0 0 0 0 1 0 0 0 0 0 2 9

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

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

01/01/2007

15/12/2010

DATE

15/03/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 10.47 68.10 19.24 14.90 0.00 0.00 26.67 0.00 0.00 0.00 0.00 0.00 0.00 2,982.75 0.00 0.00 0.00 0.00 0.00 307.74 3,429.86

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

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

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

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

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

69.77

Page 40 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 22 - BALI

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,167 2,864 3,044 2,026 2,335 , 1,460 1,246 1,087 692 387 294 328 180 263 133 183 147 43 48 14 19,941

3,167 6,031 9,075 11,101 13,436 , 14,896 16,142 17,229 17,921 18,308 18,602 18,930 19,110 19,373 19,506 19,689 19,836 19,879 19,927 19,941

15.88 14.36 15.27 10.16 11.71 7.32 6.25 5.45 3.47 1.94 1.47 1.64 0.90 1.32 0.67 0.92 0.74 0.22 0.24 0.07

15.88 30.24 45.51 55.67 67.38 74.70 80.95 86.40 89.87 91.81 93.29 94.93 95.83 97.15 97.82 98.74 99.47 99.69 99.93 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,326.81 537.00 1,130.17 1,185.37 2,233.51 , 1,953.36 2,180.30 2,662.97 1,896.68 1,438.47 1,147.87 1,987.75 1,088.07 1,992.58 1,301.05 2,176.72 2,341.72 663.37 715.06 3,582.64 33,541.48

1,326.81 1,863.81 2,993.98 4,179.35 6,412.86 , 8,366.22 10,546.52 13,209.49 15,106.16 16,544.64 17,692.51 19,680.26 20,768.34 22,760.91 24,061.97 26,238.68 28,580.40 29,243.78 29,958.84 33,541.48

3.96 1.60 3.37 3.53 6.66 5.82 6.50 7.94 5.65 4.29 3.42 5.93 3.24 5.94 3.88 6.49 6.98 1.98 2.13 10.68

3.96 5.56 8.93 12.46 19.12 24.94 31.44 39.38 45.04 49.33 52.75 58.67 61.92 67.86 71.74 78.23 85.21 87.19 89.32 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 45 10 2 6 7 18 7 29 28 18 10 27 10 18 14 20 33 18 19 35 374

45 55 57 63 70 88 95 124 152 170 180 207 217 235 249 269 302 320 339 374

12.03 2.67 0.53 1.60 1.87 4.81 1.87 7.75 7.49 4.81 2.67 7.22 2.67 4.81 3.74 5.35 8.82 4.81 5.08 9.36

12.03 14.71 15.24 16.84 18.72 23.53 25.40 33.16 40.64 45.45 48.13 55.35 58.02 62.83 66.58 71.93 80.75 85.56 90.64 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2,670.06 108.03 1.12 134.34 544.52 265.32 205.96 400.41 2,840.08 250.75 39.71 486.81 76.05 917.96 157.55 60.85 378.71 1,292.60 1,652.95 1,913.94 14,397.72

2,670.06 2,778.08 2,779.20 2,913.54 3,458.06 , 3,723.39 3,929.34 4,329.76 7,169.84 7,420.59 7,460.30 7,947.11 8,023.16 8,941.12 9,098.67 9,159.52 9,538.23 10,830.83 12,483.78 14,397.72

18.54 0.75 0.01 0.93 3.78 1.84 1.43 2.78 19.73 1.74 0.28 3.38 0.53 6.38 1.09 0.42 2.63 8.98 11.48 13.29

18.54 19.30 19.30 20.24 24.02 25.86 27.29 30.07 49.80 51.54 51.82 55.20 55.73 62.10 63.20 63.62 66.25 75.23 86.71 100.00

LOSS RATIO PERCENTAGE BAND CUM. 201.24 20.12 0.10 11.33 24.38 13.58 9.45 15.04 149.74 17.43 3.46 24.49 6.99 46.07 12.11 2.80 16.17 194.85 231.16 53.42

201.24 149.05 92.83 69.71 53.92 44.50 37.26 32.78 47.46 44.85 42.17 40.38 38.63 39.28 37.81 34.91 33.37 37.04 41.67 42.93

42.93

Page 41 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 23 - NUSA TENGGARA BARAT

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

1,266 1,485 1,483 660 576 353 179 164 97 37 33 43 24 24 13 17 18 4 6 1

607.74 310.87 711.76 544.85 799.75 712.60 488.04 505.71 327.95 191.54 185.52 223.48 133.81 623.22 67.64 176.62 291.63 16.12 2,186.39 0.00

6,483

1,266 2,751 4,234 4,894 5,470 , 5,823 6,002 6,166 6,263 6,300 6,333 6,376 6,400 6,424 6,437 6,454 6,472 6,476 6,482 6,483

19.53 22.91 22.88 10.18 8.88 5.45 2.76 2.53 1.50 0.57 0.51 0.66 0.37 0.37 0.20 0.26 0.28 0.06 0.09 0.02

19.53 42.43 65.31 75.49 84.37 89.82 92.58 95.11 96.61 97.18 97.69 98.35 98.72 99.09 99.29 99.55 99.83 99.89 99.98 100.00

9,105.27

607.74 918.62 1,630.38 2,175.23 2,974.99 , 3,687.59 4,175.63 4,681.35 5,009.30 5,200.83 5,386.35 5,609.83 5,743.64 6,366.86 6,434.50 6,611.13 6,902.75 6,918.87 9,105.27 9,105.27

6.67 3.41 7.82 5.98 8.78 7.83 5.36 5.55 3.60 2.10 2.04 2.45 1.47 6.84 0.74 1.94 3.20 0.18 24.01 0.00

6.67 10.09 17.91 23.89 32.67 40.50 45.86 51.41 55.02 57.12 59.16 61.61 63.08 69.93 70.67 72.61 75.81 75.99 100.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 7 4 0 2 8 2 0 0 0 0 0 0 98 0 3 16 0 0 0 146

6 13 17 17 19 27 29 29 29 29 29 29 29 127 127 130 146 146 146 146

4.11 4.79 2.74 0.00 1.37 5.48 1.37 0.00 0.00 0.00 0.00 0.00 0.00 67.12 0.00 2.05 10.96 0.00 0.00 0.00

4.11 8.90 11.64 11.64 13.01 18.49 19.86 19.86 19.86 19.86 19.86 19.86 19.86 86.99 86.99 89.04 100.00 100.00 100.00 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 23.49 66.25 242.89 0.00 15.75 , 1,089.17 40.86 0.00 0.00 0.00 0.00 0.00 0.00 144.35 0.00 8.81 356.99 0.00 0.00 0.00 1,988.56

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 1,988.56 1,988.56 1,988.56 1,988.56

1.18 3.33 12.21 0.00 0.79 54.77 2.05 0.00 0.00 0.00 0.00 0.00 0.00 7.26 0.00 0.44 17.95 0.00 0.00 0.00

1.18 4.51 16.73 16.73 17.52 72.29 74.35 74.35 74.35 74.35 74.35 74.35 74.35 81.61 81.61 82.05 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 3.87 21.31 34.13 0.00 1.97 152.84 8.37 0.00 0.00 0.00 0.00 0.00 0.00 23.16 0.00 4.99 122.41 0.00 0.00 0.00

3.87 9.77 20.40 15.29 11.71 38.98 35.41 31.58 29.51 28.43 27.45 26.35 25.74 25.49 25.22 24.68 28.81 28.74 21.84 21.84

21.84

Page 42 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 24 - NUSA TENGGARA TIMUR

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 603 867 993 515 534 337 192 172 76 45 35 34 8 16 14 4 5 1 0 0 4,451

603 1,470 2,463 2,978 3,512 , 3,849 4,041 4,213 4,289 4,334 4,369 4,403 4,411 4,427 4,441 4,445 4,450 4,451 4,451 4,451

13.55 19.48 22.31 11.57 12.00 7.57 4.31 3.86 1.71 1.01 0.79 0.76 0.18 0.36 0.31 0.09 0.11 0.02 0.00 0.00

13.55 33.03 55.34 66.91 78.90 86.47 90.79 94.65 96.36 97.37 98.16 98.92 99.10 99.46 99.78 99.87 99.98 100.00 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 120.27 231.16 648.95 475.55 920.52 858.39 662.63 670.97 426.21 246.19 218.93 257.77 102.90 82.20 80.39 42.21 113.29 16.00 0.00 0.00 6,174.52

120.27 351.43 1,000.37 1,475.92 2,396.44 , 3,254.83 3,917.47 4,588.43 5,014.64 5,260.83 5,479.76 5,737.53 5,840.43 5,922.63 6,003.02 6,045.23 6,158.52 6,174.52 6,174.52 6,174.52

1.95 3.74 10.51 7.70 14.91 13.90 10.73 10.87 6.90 3.99 3.55 4.17 1.67 1.33 1.30 0.68 1.83 0.26 0.00 0.00

1.95 5.69 16.20 23.90 38.81 52.71 63.45 74.31 81.22 85.20 88.75 92.92 94.59 95.92 97.22 97.91 99.74 100.00 100.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 2 2 2 8 0 4 2 0 0 0 0 0 0 0 0 0 0 0 20

0 0 2 4 6 14 14 18 20 20 20 20 20 20 20 20 20 20 20 20

0.00 0.00 10.00 10.00 10.00 40.00 0.00 20.00 10.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 10.00 20.00 30.00 70.00 70.00 90.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 68.75 97.03 76.54 734.90 0.00 341.36 835.73 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,154.31

0.00 0.00 68.75 165.78 242.32 977.22 977.22 1,318.59 2,154.31 2,154.31 2,154.31 2,154.31 2,154.31 2,154.31 2,154.31 2,154.31 2,154.31 2,154.31 2,154.31 2,154.31

0.00 0.00 3.19 4.50 3.55 34.11 0.00 15.85 38.79 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 3.19 7.70 11.25 45.36 45.36 61.21 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 10.59 20.40 8.31 85.61 0.00 50.88 196.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 6.87 11.23 10.11 30.02 24.95 28.74 42.96 40.95 39.31 37.55 36.89 36.37 35.89 35.64 34.98 34.89 34.89 34.89

34.89

Page 43 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 25 - MALUKU

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 165 241 294 183 175 102 90 69 38 17 17 20 9 10 5 11 10 1 0 0 1,457

165 406 700 883 1,058 , 1,160 1,250 1,319 1,357 1,374 1,391 1,411 1,420 1,430 1,435 1,446 1,456 1,457 1,457 1,457

11.32 16.54 20.18 12.56 12.01 7.00 6.18 4.74 2.61 1.17 1.17 1.37 0.62 0.69 0.34 0.75 0.69 0.07 0.00 0.00

11.32 27.87 48.04 60.60 72.61 79.62 85.79 90.53 93.14 94.30 95.47 96.84 97.46 98.15 98.49 99.25 99.93 100.00 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 37.80 61.35 192.05 189.13 317.52 250.65 346.79 413.82 177.28 104.63 171.97 190.08 68.08 120.27 24.15 234.57 177.91 1.68 0.00 0.00 3,079.72

37.80 99.15 291.20 480.33 797.86 , 1,048.50 1,395.29 1,809.11 1,986.39 2,091.02 2,262.99 2,453.07 2,521.14 2,641.42 2,665.57 2,900.14 3,078.05 3,079.72 3,079.72 3,079.72

1.23 1.99 6.24 6.14 10.31 8.14 11.26 13.44 5.76 3.40 5.58 6.17 2.21 3.91 0.78 7.62 5.78 0.05 0.00 0.00

1.23 3.22 9.46 15.60 25.91 34.05 45.31 58.74 64.50 67.90 73.48 79.65 81.86 85.77 86.55 94.17 99.95 100.00 100.00 100.00

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

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 2 2 2

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 60.83 0.00 0.00 0.00 60.83

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 60.83 60.83 60.83 60.83

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

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 34.19 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.98 1.98 1.98 1.98

1.98

Page 44 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 26 - IRIAN JAYA

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 302 433 727 528 570 399 251 193 136 62 54 54 49 49 32 13 12 10 1 0 3,875

302 735 1,462 1,990 2,560 , 2,959 3,210 3,403 3,539 3,601 3,655 3,709 3,758 3,807 3,839 3,852 3,864 3,874 3,875 3,875

7.79 11.17 18.76 13.63 14.71 10.30 6.48 4.98 3.51 1.60 1.39 1.39 1.26 1.26 0.83 0.34 0.31 0.26 0.03 0.00

7.79 18.97 37.73 51.35 66.06 76.36 82.84 87.82 91.33 92.93 94.32 95.72 96.98 98.25 99.07 99.41 99.72 99.97 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 105.38 129.98 364.88 516.47 922.65 , 1,057.19 891.91 1,036.31 767.26 447.51 437.68 438.55 505.05 505.08 408.70 86.29 216.63 234.30 4.89 0.00 9,076.71

105.38 235.36 600.24 1,116.71 2,039.36 , 3,096.55 3,988.46 5,024.77 5,792.04 6,239.55 6,677.23 7,115.78 7,620.83 8,125.91 8,534.61 8,620.90 8,837.53 9,071.83 9,076.71 9,076.71

1.16 1.43 4.02 5.69 10.17 11.65 9.83 11.42 8.45 4.93 4.82 4.83 5.56 5.56 4.50 0.95 2.39 2.58 0.05 0.00

1.16 2.59 6.61 12.30 22.47 34.12 43.94 55.36 63.81 68.74 73.56 78.40 83.96 89.52 94.03 94.98 97.36 99.95 100.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 4 2 2 0 0 2 4 3 0 0 0 0 0 0 0 2 0 0 0 0 19

4 6 8 8 8 10 14 17 17 17 17 17 17 17 17 19 19 19 19 19

21.05 10.53 10.53 0.00 0.00 10.53 21.05 15.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.53 0.00 0.00 0.00 0.00

21.05 31.58 42.11 42.11 42.11 52.63 73.68 89.47 89.47 89.47 89.47 89.47 89.47 89.47 89.47 100.00 100.00 100.00 100.00 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 75.00 58.00 161.00 0.00 0.00 612.82 49.20 1,363.39 0.00 0.00 0.00 0.00 0.00 0.00 0.00 29.22 0.00 0.00 0.00 0.00 2,348.63

75.00 133.00 294.00 294.00 294.00 906.82 956.02 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

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

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 98.76 100.00 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 71.17 44.62 44.12 0.00 0.00 57.97 5.52 131.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33.86 0.00 0.00 0.00 0.00

71.17 56.51 48.98 26.33 14.42 29.28 23.97 46.16 40.04 37.17 34.74 32.60 30.44 28.54 27.18 27.24 26.58 25.89 25.88 25.88

25.88

Page 45 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 27 - MALUKU UTARA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 84 147 166 81 104 85 67 76 49 21 11 18 9 8 7 1 1 1 2 0 938

84 231 397 478 582 667 734 810 859 880 891 909 918 926 933 934 935 936 938 938

8.96 15.67 17.70 8.64 11.09 9.06 7.14 8.10 5.22 2.24 1.17 1.92 0.96 0.85 0.75 0.11 0.11 0.11 0.21 0.00

8.96 24.63 42.32 50.96 62.05 71.11 78.25 86.35 91.58 93.82 94.99 96.91 97.87 98.72 99.47 99.57 99.68 99.79 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 88.37 44.02 89.87 90.57 180.95 199.55 232.77 393.26 356.74 168.37 85.98 182.13 118.58 139.96 71.99 1.73 25.00 36.46 87.02 0.00 2,593.31

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 2,231.16 2,371.12 2,443.11 2,444.83 2,469.83 2,506.29 2,593.31 2,593.31

3.41 1.70 3.47 3.49 6.98 7.69 8.98 15.16 13.76 6.49 3.32 7.02 4.57 5.40 2.78 0.07 0.96 1.41 3.36 0.00

3.41 5.11 8.57 12.06 19.04 26.74 35.71 50.88 64.63 71.12 74.44 81.46 86.04 91.43 94.21 94.27 95.24 96.64 100.00 100.00

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

3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3

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

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

01/01/2007

15/06/2011

DATE

15/10/2011

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

401.43 401.43 401.43 401.43 401.43 401.43 401.43 401.43 401.43 401.43 401.43 401.43 401.43 401.43 401.43 401.43 401.43 401.43 401.43 401.43

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

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

LOSS RATIO PERCENTAGE BAND CUM. 454.27 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

454.27 303.22 180.61 128.32 81.30 57.90 43.35 30.43 23.95 21.76 20.79 19.00 17.99 16.93 16.43 16.42 16.25 16.02 15.48 15.48

15.48

Page 46 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 28 - IRIAN JAYA BARAT

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 316 408 464 207 225 137 91 66 50 16 21 21 9 20 9 8 15 1 2 1

2,087

316 724 1,188 1,395 1,620 1,757 1,848 1,914 1,964 1,980 2,001 2,022 2,031 2,051 2,060 2,068 2,083 2,084 2,086 2,087

15.14 19.55 22.23 9.92 10.78 6.56 4.36 3.16 2.40 0.77 1.01 1.01 0.43 0.96 0.43 0.38 0.72 0.05 0.10 0.05

15.14 34.69 56.92 66.84 77.62 84.19 88.55 91.71 94.11 94.87 95.88 96.89 97.32 98.28 98.71 99.09 99.81 99.86 99.95 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 18.63 66.86 156.13 150.92 372.65 358.92 317.59 285.18 269.33 83.09 144.44 164.15 101.39 258.01 134.66 159.30 179.58 16.00 48.57 19.89 3,305.28

18.63 85.49 241.62 392.54 765.18 1,124.10 1,441.69 1,726.87 1,996.20 2,079.29 2,223.73 2,387.88 2,489.28 2,747.29 2,881.94 3,041.24 3,220.82 3,236.82 3,285.40 3,305.28

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

0.56 2.59 7.31 11.88 23.15 34.01 43.62 52.25 60.39 62.91 67.28 72.24 75.31 83.12 87.19 92.01 97.44 97.93 99.40 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 2 0 0 0 0 0 0 0 0 19 0 0 0 21

0 0 0 0 0 0 0 2 2 2 2 2 2 2 2 2 21 21 21 21

0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.52 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 90.48 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.52 9.52 9.52 9.52 9.52 9.52 9.52 9.52 9.52 100.00 100.00 100.00 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 18.74 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3,312.15 0.00 0.00 0.00 3,330.89

0.00 0.00 0.00 0.00 0.00 0.00 0.00 18.74 18.74 18.74 18.74 18.74 18.74 18.74 18.74 18.74 3,330.89 3,330.89 3,330.89 3,330.89

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 99.44 0.00 0.00 0.00

LOSS RATIO PERCENTAGE BAND CUM.

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.56 6.57 0.56 0.00 0.56 0.00 0.56 0.00 0.56 0.00 0.56 0.00 0.56 0.00 0.56 0.00 0.56 0.00 100.00 1,844.37 100.00 0.00 100.00 0.00 100.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.09 0.94 0.90 0.84 0.78 0.75 0.68 0.65 0.62 103.42 102.91 101.38 100.77

100.77

Page 47 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 29 - BANTEN

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 7,809 8,586 10,490 6,639 6,512 , 3,007 1,830 1,497 962 553 495 618 490 722 442 713 678 320 394 124 52,881

7,809 16,395 26,885 33,524 40,036 , 43,043 44,873 46,370 47,332 47,885 48,380 48,998 49,488 50,210 50,652 51,365 52,043 52,363 52,757 52,881

14.77 14.77 16.24 31.00 19.84 50.84 12.55 63.40 12.31 75.71 5.69 81.40 3.46 84.86 2.83 87.69 1.82 89.51 1.05 90.55 0.94 91.49 1.17 92.66 0.93 93.58 1.37 94.95 0.84 95.78 1.35 97.13 1.28 98.42 0.61 99.02 0.75 99.77 0.23 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5,544.92 1,756.14 3,608.96 3,799.20 5,288.17 , 3,707.78 5,786.75 3,821.47 3,206.81 2,300.52 2,054.17 3,360.40 3,200.09 5,312.59 4,213.19 9,366.87 11,962.34 5,236.04 9,766.85 4,933.91 98,227.18

5,544.92 7,301.06 10,910.02 14,709.23 19,997.40 , 23,705.17 29,491.92 33,313.39 36,520.20 38,820.72 40,874.90 44,235.29 47,435.38 52,747.97 56,961.16 66,328.04 78,290.38 83,526.42 93,293.26 98,227.18

5.64 5.64 1.79 7.43 3.67 11.11 3.87 14.97 5.38 20.36 3.77 24.13 5.89 30.02 3.89 33.91 3.26 37.18 2.34 39.52 2.09 41.61 3.42 45.03 3.26 48.29 5.41 53.70 4.29 57.99 9.54 67.53 12.18 79.70 5.33 85.03 9.94 94.98 5.02 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 142 26 56 100 99 63 41 64 47 21 58 56 45 58 60 71 130 244 130 107 1,618

142 168 224 324 423 486 527 591 638 659 717 773 818 876 936 1,007 1,137 1,381 1,511 1,618

8.78 8.78 1.61 10.38 3.46 13.84 6.18 20.02 6.12 26.14 3.89 30.04 2.53 32.57 3.96 36.53 2.90 39.43 1.30 40.73 3.58 44.31 3.46 47.78 2.78 50.56 3.58 54.14 3.71 57.85 4.39 62.24 8.03 70.27 15.08 85.35 8.03 93.39 6.61 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 50,868.90 183.12 928.09 1,539.04 1,486.83 , 2,612.11 3,273.15 5,611.72 1,296.28 3,065.75 10,826.24 5,019.42 5,672.23 52,659.50 5,616.33 36,572.10 14,390.69 17,519.29 76,441.20 214,436.74 510,018.74

50,868.90 51,052.03 51,980.11 53,519.16 55,005.99 , 57,618.10 60,891.25 66,502.97 67,799.25 70,865.00 81,691.24 86,710.65 92,382.89 145,042.39 150,658.72 187,230.82 201,621.51 219,140.80 295,582.00 510,018.74

LOSS RATIO PERCENTAGE BAND CUM.

9.97 9.97 917.40 0.04 10.01 10.43 0.18 10.19 25.72 0.30 10.49 40.51 0.29 10.79 28.12 0.51 11.30 70.45 0.64 11.94 56.56 1.10 13.04 146.85 0.25 13.29 40.42 0.60 13.89 133.26 2.12 16.02 527.04 0.98 17.00 149.37 1.11 18.11 177.25 10.33 28.44 991.22 1.10 29.54 133.30 7.17 36.71 390.44 2.82 39.53 120.30 3.44 42.97 334.59 14.99 57.96 782.66 42.04 100.00 4,346.18

917.40 699.24 476.44 363.85 275.07 243.06 206.47 199.63 185.65 182.54 199.86 196.02 194.76 274.97 264.49 282.28 257.53 262.36 316.83 519.22

519.22

Page 48 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 30 - BANGKA BELITUNG

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 428 339 458 295 343 199 117 95 55 24 17 26 18 19 17 6 6 16 7 1

2,486

428 767 1,225 1,520 1,863 2,062 2,179 2,274 2,329 2,353 2,370 2,396 2,414 2,433 2,450 2,456 2,462 2,478 2,485 2,486

17.22 13.64 18.42 11.87 13.80 8.00 4.71 3.82 2.21 0.97 0.68 1.05 0.72 0.76 0.68 0.24 0.24 0.64 0.28 0.04

17.22 30.85 49.28 61.14 74.94 82.94 87.65 91.47 93.68 94.65 95.33 96.38 97.10 97.87 98.55 98.79 99.03 99.68 99.96 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 257.46 91.54 206.23 263.25 443.78 356.26 252.00 303.05 213.12 89.08 104.03 150.26 89.18 179.13 80.92 79.56 196.58 476.11 79.73 0.22 3,911.47

257.46 349.00 555.23 818.48 1,262.26 1,618.52 1,870.52 2,173.57 2,386.68 2,475.77 2,579.79 2,730.05 2,819.23 2,998.36 3,079.28 3,158.84 3,355.42 3,831.52 3,911.25 3,911.47

6.58 2.34 5.27 6.73 11.35 9.11 6.44 7.75 5.45 2.28 2.66 3.84 2.28 4.58 2.07 2.03 5.03 12.17 2.04 0.01

6.58 8.92 14.19 20.93 32.27 41.38 47.82 55.57 61.02 63.29 65.95 69.80 72.08 76.66 78.72 80.76 85.78 97.96 99.99 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 11 0 2 0 4 0 0 0 2 0 0 0 3 0 0 0 0 0 8 2 32

11 11 13 13 17 17 17 17 19 19 19 19 22 22 22 22 22 22 30 32

34.38 0.00 6.25 0.00 12.50 0.00 0.00 0.00 6.25 0.00 0.00 0.00 9.38 0.00 0.00 0.00 0.00 0.00 25.00 6.25

34.48 34.38 40.63 40.63 53.13 53.13 53.13 53.13 59.38 59.38 59.38 59.38 68.75 68.75 68.75 68.75 68.75 68.75 93.75 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 118.73 0.00 139.55 0.00 6.67 0.00 0.00 0.00 1,947.84 0.00 0.00 0.00 258.99 0.00 0.00 0.00 0.00 0.00 216.53 31.89 2,720.20

118.73 118.73 258.28 258.28 264.95 264.95 264.95 264.95 2,212.79 2,212.79 2,212.79 2,212.79 2,471.78 2,471.78 2,471.78 2,471.78 2,471.78 2,471.78 2,688.32 2,720.20

4.36 0.00 5.13 0.00 0.25 0.00 0.00 0.00 71.61 0.00 0.00 0.00 9.52 0.00 0.00 0.00 0.00 0.00 7.96 1.17

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

LOSS RATIO PERCENTAGE BAND CUM. 46.12 0.00 67.67 0.00 1.50 0.00 0.00 0.00 913.98 0.00 0.00 0.00 290.40 0.00 0.00 0.00 0.00 0.00 271.59 14,462.68

46.12 34.02 46.52 31.56 20.99 16.37 14.16 12.19 92.71 89.38 85.77 81.05 87.68 82.44 80.27 78.25 73.67 64.51 68.73 69.54

69.54

Page of 49 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 31 - GORONTALO

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 369 504 492 222 235 143 89 90 48 30 17 32 19 4 6 9 8 1 1 1 2,320

369 873 1,365 1,587 1,822 , 1,965 2,054 2,144 2,192 2,222 2,239 2,271 2,290 2,294 2,300 2,309 2,317 2,318 2,319 2,320

15.91 21.72 21.21 9.57 10.13 6.16 3.84 3.88 2.07 1.29 0.73 1.38 0.82 0.17 0.26 0.39 0.34 0.04 0.04 0.04

15.91 37.63 58.84 68.41 78.53 84.70 88.53 92.41 94.48 95.78 96.51 97.89 98.71 98.88 99.14 99.53 99.87 99.91 99.96 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 32.53 87.18 194.91 139.81 243.09 245.31 230.38 292.27 202.31 182.75 90.19 182.83 165.42 22.73 36.74 138.28 337.14 22.39 10.97 23.93 2,881.15

32.53 119.71 314.62 454.43 697.53 942.83 1,173.21 1,465.48 1,667.79 1,850.54 1,940.72 2,123.56 2,288.98 2,311.71 2,348.45 2,486.73 2,823.87 2,846.26 2,857.22 2,881.15

1.13 3.03 6.77 4.85 8.44 8.51 8.00 10.14 7.02 6.34 3.13 6.35 5.74 0.79 1.28 4.80 11.70 0.78 0.38 0.83

1.13 4.15 10.92 15.77 24.21 32.72 40.72 50.86 57.89 64.23 67.36 73.71 79.45 80.24 81.51 86.31 98.01 98.79 99.17 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 2 8 3 2 0 0 8 0 0 0 0 0 0 0 10 0 0 0 33

0 0 2 10 13 15 15 15 23 23 23 23 23 23 23 23 33 33 33 33

0.00 0.00 6.06 24.24 9.09 6.06 0.00 0.00 24.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 30.30 0.00 0.00 0.00

0.00 0.00 6.06 30.30 39.39 45.45 45.45 45.45 69.70 69.70 69.70 69.70 69.70 69.70 69.70 69.70 100.00 100.00 100.00 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 5.00 11.45 296.72 1.00 0.00 0.00 1,437.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 40.89 0.00 0.00 0.00 1,792.10

0.00 0.00 5.00 16.45 313.17 314.17 314.17 314.17 1,751.21 1,751.21 1,751.21 1,751.21 1,751.21 1,751.21 1,751.21 1,751.21 1,792.10 1,792.10 1,792.10 1,792.10

0.00 0.00 0.28 0.64 16.56 0.06 0.00 0.00 80.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.28 0.00 0.00 0.00

0.00 0.00 0.28 0.92 17.48 17.53 17.53 17.53 97.72 97.72 97.72 97.72 97.72 97.72 97.72 97.72 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 2.57 8.19 122.06 0.41 0.00 0.00 710.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.13 0.00 0.00 0.00

0.00 0.00 1.59 3.62 44.90 33.32 26.78 21.44 105.00 94.63 90.24 82.47 76.51 75.75 74.57 70.42 63.46 62.96 62.72 62.20

62.20

Page 50 of 204

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

PROVINCE

: 32 - KEPULAUAN RIAU

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,279 2,582 3,234 2,124 2,158 901 540 397 217 129 86 130 74 136 63 124 99 55 68 34 15,430

2,279 4,861 8,095 10,219 12,377 , 13,278 13,818 14,215 14,432 14,561 14,647 14,777 14,851 14,987 15,050 15,174 15,273 15,328 15,396 15,430

14.77 16.73 20.96 13.77 13.99 5.84 3.50 2.57 1.41 0.84 0.56 0.84 0.48 0.88 0.41 0.80 0.64 0.36 0.44 0.22

14.77 31.50 52.46 66.23 80.21 86.05 89.55 92.13 93.53 94.37 94.93 95.77 96.25 97.13 97.54 98.34 98.98 99.34 99.78 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,044.75 476.27 1,267.30 1,498.04 2,659.22 , 1,619.10 1,372.38 1,475.79 928.56 624.10 421.36 805.88 629.04 1,146.11 571.81 1,689.84 1,960.42 1,450.30 2,087.56 10,836.69 34,564.51

1,044.75 1,521.02 2,788.32 4,286.35 6,945.57 , 8,564.67 9,937.05 11,412.84 12,341.40 12,965.50 13,386.86 14,192.75 14,821.79 15,967.90 16,539.71 18,229.55 20,189.97 21,640.26 23,727.82 34,564.51

3.02 1.38 3.67 4.33 7.69 4.68 3.97 4.27 2.69 1.81 1.22 2.33 1.82 3.32 1.65 4.89 5.67 4.20 6.04 31.35

3.02 4.40 8.07 12.40 20.09 24.78 28.75 33.02 35.71 37.51 38.73 41.06 42.88 46.20 47.85 52.74 58.41 62.61 68.65 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 15 8 14 9 11 2 10 2 2 0 0 2 0 4 8 14 10 18 17 12 158

15 23 37 46 57 59 69 71 73 73 73 75 75 79 87 101 111 129 146 158

9.49 5.06 8.86 5.70 6.96 1.27 6.33 1.27 1.27 0.00 0.00 1.27 0.00 2.53 5.06 8.86 6.33 11.39 10.76 7.59

9.49 14.56 23.42 29.11 36.08 37.34 43.67 44.94 46.20 46.20 46.20 47.47 47.47 50.00 55.06 63.92 70.25 81.65 92.41 100.00

01/01/2007

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,326.30 228.08 402.96 459.97 818.60 367.96 2,192.54 154.95 1.20 0.00 0.00 135.22 0.00 45.78 886.90 1,768.16 136.99 1,002.52 5,106.50 366.71 15,401.35

1,326.30 1,554.37 1,957.33 2,417.30 3,235.91 , 3,603.86 5,796.41 5,951.36 5,952.56 5,952.56 5,952.56 6,087.78 6,087.78 6,133.56 7,020.46 8,788.62 8,925.61 9,928.13 15,034.63 15,401.35

8.61 1.48 2.62 2.99 5.32 2.39 14.24 1.01 0.01 0.00 0.00 0.88 0.00 0.30 5.76 11.48 0.89 6.51 33.16 2.38

8.61 10.09 12.71 15.70 21.01 23.40 37.64 38.64 38.65 38.65 38.65 39.53 39.53 39.82 45.58 57.06 57.95 64.46 97.62 100.00

LOSS RATIO PERCENTAGE BAND CUM. 126.95 47.89 31.80 30.70 30.78 22.73 159.76 10.50 0.13 0.00 0.00 16.78 0.00 3.99 155.10 104.64 6.99 69.13 244.62 3.38

126.95 102.19 70.20 56.40 46.59 42.08 58.33 52.15 48.23 45.91 44.47 42.89 41.07 38.41 42.45 48.21 44.21 45.88 63.36 44.56

44.56

Page 51 of 204

RISK AND LOSS PROFILE 2008

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

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

165,473 153,459 192,438 121,279 134,228 72,224 50,247 40,368 23,008 12,984 10,142 12,051 8,086 10,709 6,531 11,228 9,527 4,604 5,955 2,300 1,046,841

165,473 318,932 511,370 632,649 766,877 839,101 889,348 929,716 952,724 965,708 975,850 987,901 995,987 1,006,696 1,013,227 1,024,455 1,033,982 1,038,586 1,044,541 1,046,841

15.81 14.66 18.38 11.59 12.82 6.90 4.80 3.86 2.20 1.24 0.97 1.15 0.77 1.02 0.62 1.07 0.91 0.44 0.57 0.22

15.81 30.47 48.85 60.43 73.26 80.16 84.96 88.81 91.01 92.25 93.22 94.37 95.14 96.17 96.79 97.86 98.77 99.21 99.78 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 174,398.08 35,823.93 75,974.11 74,160.15 127,329.04 97,570.44 91,162.70 97,390.43 71,766.68 47,499.77 45,285.82 61,100.73 48,994.04 77,492.32 58,451.71 136,173.57 148,135.83 79,823.39 100,986.33 194,117.14 1,843,636.21

174,398.08 9.46 9.46 210,222.01 1.94 11.40 286,196.13 4.12 15.52 360,356.28 4.02 19.55 487,685.32 6.91 26.45 585,255.76 5.29 31.74 676,418.46 4.94 36.69 773,808.89 5.28 41.97 845,575.56 3.89 45.86 893,075.33 2.58 48.44 938,361.15 2.46 50.90 999,461.88 3.31 54.21 1,048,455.92 2.66 56.87 1,125,948.24 4.20 61.07 1,184,399.95 3.17 64.24 1,320,573.52 7.39 71.63 1,468,709.36 8.03 79.66 1,548,532.74 4.33 83.99 1,649,519.07 5.48 89.47 1,843,636.21 10.53 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 1,765 421 786 521 796 568 530 565 401 309 269 379 350 414 326 1,048 1,367 933 1,697 1,289 14,73

1,765 2,186 2,972 3,493 4,289 4,857 5,387 5,952 6,353 6,662 6,931 7,310 7,660 8,074 8,400 9,448 10,81 11,74 13,44 14,73

11.98 2.86 5.33 3.54 5.40 3.86 3.60 3.83 2.72 2.10 1.83 2.57 2.38 2.81 2.21 7.11 9.28 6.33 11.52 8.75

11.98 14.84 20.17 23.71 29.11 32.96 36.56 40.40 43.12 45.22 47.04 49.61 51.99 54.80 57.01 64.12 73.40 79.73 91.25 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 231,983.35 10,507.29 22,821.96 15,275.21 39,688.72 25,018.49 53,498.94 84,208.06 28,192.21 30,743.52 16,239.03 37,377.82 43,902.63 46,436.34 30,204.62 300,944.04 306,452.00 100,064.67 287,076.39 607,423.52 2,318,058.81

231,983.35 242,490.64 265,312.59 280,587.81 320,276.52 345,295.01 398,793.95 483,002.01 511,194.21 541,937.73 558,176.76 595,554.58 639,457.21 685,893.55 716,098.17 1,017,042.21 1,323,494.21 1,423,558.88 1,710,635.27 2,318,058.79

10.01 0.45 0.98 0.66 1.71 1.08 2.31 3.63 1.22 1.33 0.70 1.61 1.89 2.00 1.30 12.98 13.22 4.32 12.38 26.20

10.01 10.46 11.45 12.10 13.82 14.90 17.20 20.84 22.05 23.38 24.08 25.69 27.59 29.59 30.89 43.87 57.09 61.41 73.80 100.00

LOSS RATIO PERCENTAGE BAND CUM. 133.02 29.33 30.04 20.60 31.17 25.64 58.69 86.46 39.28 64.72 35.86 61.17 89.61 59.92 51.67 221.00 206.87 125.36 284.27 312.92

133.02 115.35 92.70 77.86 65.67 59.00 58.96 62.42 60.46 60.68 59.48 59.59 60.99 60.92 60.46 77.02 90.11 91.93 103.71 125.73

125.73

Page 52 of 204

RISK AND LOSS PROFILE 2008 GROUP BY CLASS OF BUSINESS

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

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: FIRE

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

134,838 144,078 178,029 109,106 116,397 56,624 , 37,683 27,943 14,864 7,973 5,803 6,559 4,058 4,964 2,845 4,159 3,258 1,341 2,054 806 863,382

134,838 278,916 456,945 566,051 682,448 739,072 , 776,755 804,698 819,562 827,535 833,338 839,897 843,955 848,919 851,764 855,923 859,181 860,522 862,576 863,382

15.62 15.62 16.69 32.31 20.62 52.93 12.64 65.56 13.48 79.04 6.56 85.60 4.36 89.97 3.24 93.20 1.72 94.92 0.92 95.85 0.67 96.52 0.76 97.28 0.47 97.75 0.57 98.32 0.33 98.65 0.48 99.14 0.38 99.51 0.16 99.67 0.24 99.91 0.09 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 54,716.40 33,960.50 71,609.95 68,784.69 115,664.90 83,237.70 , 75,755.95 76,360.45 53,513.91 33,700.86 30,515.78 39,066.31 29,553.22 43,156.24 30,685.69 58,517.84 54,333.66 22,780.24 20,109.57 13,948.62 1,009,972.48

54,716.40 88,676.90 160,286.85 229,071.55 344,736.45 427,974.15 , 503,730.10 580,090.54 633,604.46 667,305.32 697,821.09 736,887.40 766,440.62 809,596.86 840,282.54 898,800.39 953,134.05 975,914.29 996,023.85 1,009,972.48

5.42 3.36 7.09 6.81 11.45 8.24 7.50 7.56 5.30 3.34 3.02 3.87 2.93 4.27 3.04 5.79 5.38 2.26 1.99 1.38

5.42 8.78 15.87 22.68 34.13 42.37 49.88 57.44 62.73 66.07 69.09 72.96 75.89 80.16 83.20 88.99 94.37 96.63 98.62 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

772 297 481 275 389 294 261 229 153 125 125 123 93 169 124 414 520 180 374 115 5,513

772 1,069 1,550 1,825 2,214 2,508 , 2,769 2,998 3,151 3,276 3,401 3,524 3,617 3,786 3,910 4,324 4,844 5,024 5,398 5,513

14.00 5.39 8.72 4.99 7.06 5.33 4.73 4.15 2.78 2.27 2.27 2.23 1.69 3.07 2.25 7.51 9.43 3.27 6.78 2.09

14.00 19.39 28.12 33.10 40.16 45.49 50.23 54.38 57.16 59.42 61.69 63.92 65.61 68.67 70.92 78.43 87.87 91.13 97.91 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

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

45,957.38 6,333.09 20,458.65 9,879.05 28,028.98 17,414.33 , 18,663.27 22,598.98 11,863.91 15,177.59 10,776.30 19,337.84 25,830.71 26,271.94 18,601.14 104,633.00 82,557.74 46,796.17 137,037.53 14,377.55 682,595.15

45,957.38 52,290.47 72,749.12 82,628.16 110,657.14 128,071.48 , 146,734.75 169,333.73 181,197.64 196,375.23 207,151.54 226,489.38 252,320.09 278,592.02 297,193.16 401,826.17 484,383.90 531,180.07 668,217.60 682,595.15

6.73 0.93 3.00 1.45 4.11 2.55 2.73 3.31 1.74 2.22 1.58 2.83 3.78 3.85 2.73 15.33 12.09 6.86 20.08 2.11

6.73 7.66 10.66 12.11 16.21 18.76 21.50 24.81 26.55 28.77 30.35 33.18 36.96 40.81 43.54 58.87 70.96 77.82 97.89 100.00

LOSS RATIO PERCENTAGE BAND CUM. 83.99 18.65 28.57 14.36 24.23 20.92 24.64 29.60 22.17 45.04 35.31 49.50 87.40 60.88 60.62 178.81 151.95 205.42 681.45 103.08

83.99 58.97 45.39 36.07 32.10 29.93 29.13 29.19 28.60 29.43 29.69 30.74 32.92 34.41 35.37 44.71 50.82 54.43 67.09 67.59

67.59

Page 53 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: INDUSTRIAL ALL RISK (IAR)

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 19,625 5,824 8,995 8,016 12,337 11,592 9,163 8,755 5,559 3,393 2,885 3,541 2,564 3,638 2,277 4,248 3,698 1,909 2,184 838 121,041

19,625 25,449 34,444 42,460 54,797 66,389 75,552 84,307 89,866 93,259 96,144 99,685 102,249 105,887 108,164 112,412 116,110 118,019 120,203 121,041

16.21 16.21 4.81 21.03 7.43 28.46 6.62 35.08 10.19 45.27 9.58 54.85 7.57 62.42 7.23 69.65 4.59 74.24 2.80 77.05 2.38 79.43 2.93 82.36 2.12 84.47 3.01 87.48 1.88 89.36 3.51 92.87 3.06 95.93 1.58 97.50 1.80 99.31 0.69 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 68,690.93 (770.85) 2,830.22 3,687.67 8,649.63 10,914.18 11,806.52 15,168.48 13,011.28 9,633.65 10,502.68 15,533.50 13,888.39 23,578.05 18,542.34 50,421.42 58,157.18 29,867.09 39,760.51 106,918.17 510,791.04

68,690.93 67,920.08 70,750.29 74,437.97 83,087.60 94,001.78 105,808.29 120,976.77 133,988.05 143,621.70 154,124.38 169,657.88 183,546.27 207,124.32 225,666.66 276,088.08 334,245.26 364,112.35 403,872.87 510,791.04

13.45 13.45 (0.15) 13.30 0.55 13.85 0.72 14.57 1.69 16.27 2.14 18.40 2.31 20.71 2.97 23.68 2.55 26.23 1.89 28.12 2.06 30.17 3.04 33.21 2.72 35.93 4.62 40.55 3.63 44.18 9.87 54.05 11.39 65.44 5.85 71.28 7.78 79.07 20.93 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 962 94 240 173 313 211 233 291 193 148 120 205 211 216 158 595 792 731 1,309 1,161 8,356

962 1,056 1,296 1,469 1,782 1,993 2,226 2,517 2,710 2,858 2,978 3,183 3,394 3,610 3,768 4,363 5,155 5,886 7,195 8,356

11.51 11.51 1.12 12.64 2.87 15.51 2.07 17.58 3.75 21.33 2.53 23.85 2.79 26.64 3.48 30.12 2.31 32.43 1.77 34.20 1.44 35.64 2.45 38.09 2.53 40.62 2.58 43.20 1.89 45.09 7.12 52.21 9.48 61.69 8.75 70.44 15.67 86.11 13.89 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 185,792.62 3,769.91 1,877.33 3,553.07 5,191.98 3,451.42 31,960.48 54,997.65 8,862.77 9,108.54 2,429.83 10,820.19 10,294.52 18,721.29 7,093.91 67,243.06 127,643.79 44,346.13 150,013.61 585,295.40 1,332,467.51

185,792.62 189,562.53 191,439.85 194,992.92 200,184.90 203,636.33 235,596.81 290,594.46 299,457.22 308,565.76 310,995.60 321,815.79 332,110.31 350,831.60 357,925.51 425,168.58 552,812.37 597,158.50 747,172.11 1,332,467.51

13.94 0.28 0.14 0.27 0.39 0.26 2.40 4.13 0.67 0.68 0.18 0.81 0.77 1.41 0.53 5.05 9.58 3.33 11.26 43.93

13.94 14.23 14.37 14.63 15.02 15.28 17.68 21.81 22.47 23.16 23.34 24.15 24.92 26.33 26.86 31.91 41.49 44.82 56.07 100.00

LOSS RATIO PERCENTAGE BAND CUM. 270.48 (489.06) 66.33 96.35 60.03 31.62 270.70 362.58 68.12 94.55 23.14 69.66 74.12 79.40 38.26 133.36 219.48 148.48 377.29 547.42

270.48 279.10 270.59 261.95 240.93 216.63 222.66 240.21 223.50 214.85 201.78 189.69 180.94 169.38 158.61 154.00 165.39 164.00 185.00 260.86

260.86

Page 54 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: LOST OF PROFIT (LOP)

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

BAND

SUM INSURED (In Million) From To

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

0 50 50 100 100 200 200 300 500 300 500 750 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 7 25 6 6 5 12 10 20 27 24 23 22 25 23 9 26 45 49 38 7 409

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

1.71 6.11 1.47 1.47 1.22 2.93 2.44 4.89 6.60 5.87 5.62 5.38 6.11 5.62 2.20 6.36 11.00 11.98 9.29 1.71

1.71 7.82 9.29 10.76 11.98 14.91 17.36 22.25 28.85 34.72 40.34 45.72 51.83 57.46 59.66 66.01 77.02 89.00 98.29 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 0.21 10.88 0.31 1.46 2.16 6.06 8.96 43.40 29.52 39.43 43.99 47.86 65.28 67.11 64.02 137.11 287.41 125.91 169.58 67.73 1,218.42

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

0.02 0.89 0.03 0.12 0.18 0.50 0.74 3.56 2.42 3.24 3.61 3.93 5.36 5.51 5.25 11.25 23.59 10.33 13.92 5.56

0.02 0.91 0.94 1.06 1.23 1.73 2.47 6.03 8.45 11.69 15.30 19.23 24.58 30.09 35.35 46.60 70.19 80.52 94.44 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 0 0 0 0 0 2 0 0 0 2 5 0 2 4 0 7 0 0 6 0 28

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

0.00 0.00 0.00 0.00 0.00 7.14 0.00 0.00 0.00 7.14 17.86 0.00 7.14 14.29 0.00 25.00 0.00 0.00 21.43 0.00

0.00 0.00 0.00 0.00 0.00 7.14 7.14 7.14 7.14 14.29 32.14 32.14 39.29 53.57 53.57 78.57 78.57 78.57 100.00 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 2.94 0.00 0.00 0.00 12.03 2,398.84 0.00 250.06 20.12 0.00 593.67 0.00 0.00 7.45 0.00 3,285.10

0.00 0.00 0.00 0.00 0.00 2.94 2.94 2.94 2.94 14.96 2,413.80 2,413.80 2,663.86 2,683.98 2,683.98 3,277.65 3,277.65 3,277.65 3,285.10 3,285.10

0.00 0.00 0.00 0.00 0.00 0.09 0.00 0.00 0.00 0.37 73.02 0.00 7.61 0.61 0.00 18.07 0.00 0.00 0.23 0.00

0.00 0.00 0.00 0.00 0.00 0.09 0.09 0.09 0.09 0.46 73.48 73.48 81.09 81.70 81.70 99.77 99.77 99.77 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 48.42 0.00 0.00 0.00 30.50 5,452.88 0.00 383.03 29.98 0.00 432.99 0.00 0.00 4.39 0.00

0.00 0.00 0.00 0.00 0.00 13.92 9.77 4.00 2.85 10.51 1,295.02 1,030.42 889.32 732.03 623.21 577.27 383.26 334.08 285.49 269.62

269.62

Page 55 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: EARTHQUAKE

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: All Code

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

11,003 3,532 5,408 4,151 5,489 , 3,996 3,391 3,650 2,558 1,594 1,431 1,929 1,439 2,084 1,400 2,795 2,526 1,305 1,679 649 62,009

11,003 14,535 19,943 24,094 29,583 , 33,579 36,970 40,620 43,178 44,772 46,203 48,132 49,571 51,655 53,055 55,850 58,376 59,681 61,360 62,009

17.74 5.70 8.72 6.69 8.85 6.44 5.47 5.89 4.13 2.57 2.31 3.11 2.32 3.36 2.26 4.51 4.07 2.10 2.71 1.05

17.74 23.44 32.16 38.86 47.71 54.15 59.62 65.51 69.63 72.20 74.51 77.62 79.94 83.30 85.56 90.07 94.14 96.25 98.95 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 50,990.53 2,623.41 1,533.63 1,686.32 3,012.35 , 3,412.50 3,591.28 5,818.10 5,211.97 4,125.83 4,223.37 6,453.05 5,487.15 10,690.91 9,159.67 27,097.20 35,357.58 27,050.15 40,946.67 73,182.61 321,654.28

50,990.53 53,613.94 55,147.57 56,833.89 59,846.24 , 63,258.74 66,850.02 72,668.13 77,880.09 82,005.92 86,229.29 92,682.34 98,169.49 108,860.41 118,020.07 145,117.27 180,474.85 207,525.00 248,471.67 321,654.28

15.85 0.82 0.48 0.52 0.94 1.06 1.12 1.81 1.62 1.28 1.31 2.01 1.71 3.32 2.85 8.42 10.99 8.41 12.73 22.75

15.85 16.67 17.14 17.67 18.61 19.67 20.78 22.59 24.21 25.50 26.81 28.81 30.52 33.84 36.69 45.12 56.11 64.52 77.25 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

31 30 65 73 94 61 36 45 55 34 19 51 44 25 44 32 55 22 8 13 837

31 61 126 199 293 354 390 435 490 524 543 594 638 663 707 739 794 816 824 837

3.70 3.70 3.58 7.29 7.77 15.05 8.72 23.78 11.23 35.01 7.29 42.29 4.30 46.59 5.38 51.97 6.57 58.54 4.06 62.60 2.27 64.87 6.09 70.97 5.26 76.22 2.99 79.21 5.26 84.47 3.82 88.29 6.57 94.86 2.63 97.49 0.96 98.45 1.55 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

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

233.35 404.29 485.98 1,843.10 6,467.75 , 4,149.80 2,875.19 6,611.43 7,465.53 6,445.36 634.05 7,219.78 7,527.34 1,422.99 4,509.57 128,474.30 96,250.48 8,922.37 17.81 7,750.58 299,711.04

233.35 637.64 1,123.62 2,966.72 9,434.48 , 13,584.27 16,459.46 23,070.89 30,536.42 36,981.77 37,615.83 44,835.61 52,362.95 53,785.94 58,295.51 186,769.81 283,020.29 291,942.66 291,960.46 299,711.04

0.08 0.13 0.16 0.61 2.16 1.38 0.96 2.21 2.49 2.15 0.21 2.41 2.51 0.47 1.50 42.87 32.11 2.98 0.01 2.59

0.08 0.21 0.37 0.99 3.15 4.53 5.49 7.70 10.19 12.34 12.55 14.96 17.47 17.95 19.45 62.32 94.43 97.41 97.41 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.46 15.41 31.69 109.30 214.71 121.61 80.06 113.64 143.24 156.22 15.01 111.88 137.18 13.31 49.23 474.12 272.22 32.98 0.04 10.59

0.46 1.19 2.04 5.22 15.76 21.47 24.62 31.75 39.21 45.10 43.62 48.38 53.34 49.41 49.39 128.70 156.82 140.68 117.50 93.18

93.18

Page 56 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, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 20

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2011

DATE

15/10/2011

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

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 216 56 46 41 71 34 37 60 47 46 25 49 41 45 48 81 99 79 98 98 1,317

216 272 318 359 430 464 501 561 608 654 679 728 769 814 862 943 1,042 1,121 1,219 1,317

16.40 4.25 3.49 3.11 5.39 2.58 2.81 4.56 3.57 3.49 1.90 3.72 3.11 3.42 3.64 6.15 7.52 6.00 7.44 7.44

16.40 20.65 24.15 27.26 32.65 35.23 38.04 42.60 46.17 49.66 51.56 55.28 58.39 61.81 65.45 71.60 79.12 85.12 92.56 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 30,396.65 36.35 11.80 22.33 54.19 57.45 85.92 168.40 133.57 156.82 134.65 143.12 289.33 329.38 494.77 1,172.67 1,610.05 1,080.95 1,346.58 3,022.83 40,747.81

30,396.65 30,433.00 30,444.79 30,467.13 30,521.32 30,578.77 30,664.69 30,833.09 30,966.66 31,123.48 31,258.13 31,401.25 31,690.58 32,019.96 32,514.72 33,687.39 35,297.45 36,378.40 37,724.98 40,747.81

74.60 0.09 0.03 0.05 0.13 0.14 0.21 0.41 0.33 0.38 0.33 0.35 0.71 0.81 1.21 2.88 3.95 2.65 3.30 7.42

74.60 74.69 74.72 74.77 74.90 75.04 75.25 75.67 76.00 76.38 76.71 77.06 77.77 78.58 79.80 82.67 86.62 89.28 92.58 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 34 0 0 0 0 0 0 0 0 0 3 0 0 4 0 0 10 2 13 97 163

34 34 34 34 34 34 34 34 34 34 37 37 37 41 41 41 51 53 66 163

20.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.84 0.00 0.00 2.45 0.00 0.00 6.13 1.23 7.98 59.51

20.86 20.86 20.86 20.86 20.86 20.86 20.86 20.86 20.86 20.86 22.70 22.70 22.70 25.15 25.15 25.15 31.29 32.52 40.49 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2,302.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 63.08 0.00 0.00 1.32 0.00 0.00 3,085.89 5.57 361.47 222,646.10 228,466.05

2,302.61 2,302.61 2,302.61 2,302.61 2,302.61 2,302.61 2,302.61 2,302.61 2,302.61 2,302.61 2,365.69 2,365.69 2,365.69 2,367.01 2,367.01 2,367.01 5,452.90 5,458.47 5,819.95 228,466.05

1.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.03 0.00 0.00 0.00 0.00 0.00 1.35 0.00 0.16 97.45

1.01 1.01 1.01 1.01 1.01 1.01 1.01 1.01 1.01 1.01 1.04 1.04 1.04 1.04 1.04 1.04 2.39 2.39 2.55 100.00

LOSS RATIO PERCENTAGE BAND CUM. 7.58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 46.85 0.00 0.00 0.40 0.00 0.00 191.66 0.52 26.84 7,365.48

7.58 7.57 7.56 7.56 7.54 7.53 7.51 7.47 7.44 7.40 7.57 7.53 7.46 7.39 7.28 7.03 15.45 15.00 15.43 560.68

560.68

Page 57 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 21

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2011

DATE

15/10/2011

Stone, Earth, (Animal) Bones or Shells (Batuan, Tanah, Tulang/Rangka Hewan)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 310 104 115 79 120 100 73 115 91 59 48 68 48 100 49 127 182 84 141 66 2,079

310 414 529 608 728 828 901 1,016 1,107 1,166 1,214 1,282 1,330 1,430 1,479 1,606 1,788 1,872 2,013 2,079

14.91 5.00 5.53 3.80 5.77 4.81 3.51 5.53 4.38 2.84 2.31 3.27 2.31 4.81 2.36 6.11 8.75 4.04 6.78 3.17

14.91 19.91 25.44 29.24 35.02 39.83 43.34 48.87 53.25 56.08 58.39 61.66 63.97 68.78 71.14 77.25 86.00 90.04 96.83 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 600.95 25.14 53.60 58.74 108.42 110.57 96.55 208.61 241.34 178.51 186.63 300.45 296.24 548.13 475.80 1,218.38 1,689.02 1,383.26 1,436.39 2,910.45 12,127.18

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

4.96 0.21 0.44 0.48 0.89 0.91 0.80 1.72 1.99 1.47 1.54 2.48 2.44 4.52 3.92 10.05 13.93 11.41 11.84 24.00

4.96 5.16 5.60 6.09 6.98 7.89 8.69 10.41 12.40 13.87 15.41 17.89 20.33 24.85 28.78 38.82 52.75 64.16 76.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 2 0 0 0 0 0 4 2 0 6 5 4 2 0 8 13 24 22 40 43 175

2 2 2 2 2 2 6 8 8 14 19 23 25 25 33 46 70 92 132 175

1.14 0.00 0.00 0.00 0.00 0.00 2.29 1.14 0.00 3.43 2.86 2.29 1.14 0.00 4.57 7.43 13.71 12.57 22.86 24.57

1.14 1.14 1.14 1.14 1.14 1.14 3.43 4.57 4.57 8.00 10.86 13.14 14.29 14.29 18.86 26.29 40.00 52.57 75.43 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 4.88 0.00 0.00 0.00 0.00 0.00 16.30 119.64 0.00 146.39 7.64 74.31 32.65 0.00 1,338.42 5,911.17 7,443.74 772.27 2,322.26 15,138.80 33,328.46

4.88 4.88 4.88 4.88 4.88 4.88 21.18 140.83 140.83 287.21 294.85 369.16 401.80 401.80 1,740.22 7,651.39 15,095.13 15,867.39 18,189.66 33,328.46

0.01 0.00 0.00 0.00 0.00 0.00 0.05 0.36 0.00 0.44 0.02 0.22 0.10 0.00 4.02 17.74 22.33 2.32 6.97 45.42

0.01 0.01 0.01 0.01 0.01 0.01 0.06 0.42 0.42 0.86 0.88 1.11 1.21 1.21 5.22 22.96 45.29 47.61 54.58 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.81 0.00 0.00 0.00 0.00 0.00 16.88 57.35 0.00 82.00 4.09 24.73 11.02 0.00 281.30 485.17 440.71 55.83 161.67 520.15

0.81 0.78 0.72 0.66 0.58 0.51 2.01 11.15 9.36 17.07 15.78 17.02 16.30 13.33 49.87 162.52 235.97 203.94 197.35 274.82

274.82

Page 58 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 22

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2011

DATE

15/10/2011

Metals (Logam)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,030 257 400 319 547 392 398 502 365 277 263 366 295 492 299 662 689 381 564 366 8,864

1,030 1,287 1,687 2,006 2,553 2,945 3,343 3,845 4,210 4,487 4,750 5,116 5,411 5,903 6,202 6,864 7,553 7,934 8,498 8,864

11.62 2.90 4.51 3.60 6.17 4.42 4.49 5.66 4.12 3.13 2.97 4.13 3.33 5.55 3.37 7.47 7.77 4.30 6.36 4.13

11.62 14.52 19.03 22.63 28.80 33.22 37.71 43.38 47.50 50.62 53.59 57.72 61.04 66.60 69.97 77.44 85.21 89.51 95.87 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,814.97 140.04 142.35 160.35 448.69 1,430.16 547.83 989.60 837.00 707.58 803.57 1,428.71 1,384.33 3,122.47 2,128.88 7,475.26 14,780.20 5,210.95 8,146.59 2,487.36 57,186.87

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

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 111 0 2 4 2 0 3 5 4 2 2 5 8 21 8 42 53 52 80 102 506

111 111 113 117 119 119 122 127 131 133 135 140 148 169 177 219 272 324 404 506

21.94 0.00 0.40 0.79 0.40 0.00 0.59 0.99 0.79 0.40 0.40 0.99 1.58 4.15 1.58 8.30 10.47 10.28 15.81 20.16

21.94 21.94 22.33 23.12 23.52 23.52 24.11 25.10 25.89 26.28 26.68 27.67 29.25 33.40 34.98 43.28 53.75 64.03 79.84 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 91,535.70 0.00 11.83 41.47 12.93 0.00 16.72 741.24 10.79 0.00 13.25 1,976.21 3,228.69 13,820.02 73.40 6,640.02 44,010.56 2,668.53 3,201.85 29,566.80 197,570.00

91,535.70 91,535.70 91,547.53 91,589.00 91,601.93 91,601.93 91,618.65 92,359.89 92,370.67 92,370.67 92,383.92 94,360.13 97,588.82 111,408.84 111,482.25 118,122.26 162,132.83 164,801.35 168,003.21 197,570.00

46.33 0.00 0.01 0.02 0.01 0.00 0.01 0.38 0.01 0.00 0.01 1.00 1.63 6.99 0.04 3.36 22.28 1.35 1.62 14.97

46.33 46.33 46.34 46.36 46.36 46.36 46.37 46.75 46.75 46.75 46.76 47.76 49.39 56.39 56.43 59.79 82.06 83.41 85.03 100.00

LOSS RATIO PERCENTAGE BAND CUM. 1,901.07 0.00 8.31 25.87 2.88 0.00 3.05 74.90 1.29 0.00 1.65 138.32 233.23 442.60 3.45 88.83 297.77 51.21 39.30 1,188.68

1,901.07 1,847.34 1,795.98 1,742.00 1,605.25 1,283.56 1,192.27 1,064.79 971.20 903.95 838.17 757.86 705.37 656.98 584.09 444.71 392.17 354.01 307.14 345.48

345.48

Page 59 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 23

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2011

DATE

15/10/2011

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

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,149 214 325 332 604 616 616 727 558 405 401 543 419 647 475 993 900 479 513 275 11,191

1,149 1,363 1,688 2,020 2,624 3,240 3,856 4,583 5,141 5,546 5,947 6,490 6,909 7,556 8,031 9,024 9,924 10,403 10,916 11,191

10.27 1.91 2.90 2.97 5.40 5.50 5.50 6.50 4.99 3.62 3.58 4.85 3.74 5.78 4.24 8.87 8.04 4.28 4.58 2.46

10.27 12.18 15.08 18.05 23.45 28.95 34.46 40.95 45.94 49.56 53.14 57.99 61.74 67.52 71.76 80.64 88.68 92.96 97.54 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 7,718.46 348.72 297.28 366.95 690.81 989.02 1,419.89 2,319.10 2,177.08 1,493.88 1,945.59 3,118.34 2,747.10 5,513.87 5,033.20 12,102.31 14,462.04 9,906.14 8,323.66 7,516.17 88,489.61

7,718.46 8,067.18 8,364.46 8,731.40 9,422.22 10,411.24 11,831.13 14,150.23 16,327.31 17,821.18 19,766.77 22,885.11 25,632.21 31,146.08 36,179.29 48,281.60 62,743.64 72,649.77 80,973.43 88,489.61

8.72 0.39 0.34 0.41 0.78 1.12 1.60 2.62 2.46 1.69 2.20 3.52 3.10 6.23 5.69 13.68 16.34 11.19 9.41 8.49

8.72 9.12 9.45 9.87 10.65 11.77 13.37 15.99 18.45 20.14 22.34 25.86 28.97 35.20 40.89 54.56 70.91 82.10 91.51 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 106 4 19 2 7 12 23 17 6 24 22 18 20 30 37 56 81 90 161 29 764

106 110 129 131 138 150 173 190 196 220 242 260 280 310 347 403 484 574 735 764

13.87 0.52 2.49 0.26 0.92 1.57 3.01 2.23 0.79 3.14 2.88 2.36 2.62 3.93 4.84 7.33 10.60 11.78 21.07 3.80

13.87 14.40 16.88 17.15 18.06 19.63 22.64 24.87 25.65 28.80 31.68 34.03 36.65 40.58 45.42 52.75 63.35 75.13 96.20 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 15,866.22 8.40 505.04 1.84 244.94 212.05 3,802.51 761.51 1,574.54 4,424.11 1,217.75 520.58 2,012.09 4,329.13 748.24 1,331.36 1,730.65 12,627.73 104,039.64 1,333.78 157,292.08

15,866.22 15,874.62 16,379.66 16,381.49 16,626.43 16,838.48 20,640.99 21,402.49 22,977.03 27,401.14 28,618.89 29,139.47 31,151.56 35,480.69 36,228.92 37,560.28 39,290.93 51,918.66 155,958.30 157,292.08

10.09 0.01 0.32 0.00 0.16 0.13 2.42 0.48 1.00 2.81 0.77 0.33 1.28 2.75 0.48 0.85 1.10 8.03 66.14 0.85

LOSS RATIO PERCENTAGE BAND CUM.

10.09 205.56 10.09 2.41 10.41 169.89 10.41 0.50 10.57 35.46 10.71 21.44 13.12 267.80 13.61 32.84 14.61 72.32 17.42 296.15 18.19 62.59 18.53 16.69 19.80 73.24 22.56 78.51 23.03 14.87 23.88 11.00 24.98 11.97 33.01 127.47 99.15 1,249.93 100.00 17.75

205.56 196.78 195.82 187.62 176.46 161.73 174.46 151.25 140.73 153.76 144.78 127.33 121.53 113.92 100.14 77.79 62.62 71.46 192.60 177.75

177.75

Page 60 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 24

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2011

DATE

15/10/2011

Textiles (Tekstil)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,370 813 1,497 1,290 1,754 1,112 905 877 602 419 333 440 288 455 312 700 663 362 689 185 15,066

1,370 2,183 3,680 4,970 6,724 7,836 8,741 9,618 10,220 10,639 10,972 11,412 11,700 12,155 12,467 13,167 13,830 14,192 14,881 15,066

9.09 5.40 9.94 8.56 11.64 7.38 6.01 5.82 4.00 2.78 2.21 2.92 1.91 3.02 2.07 4.65 4.40 2.40 4.57 1.23

9.09 14.49 24.43 32.99 44.63 52.01 58.02 63.84 67.83 70.62 72.83 75.75 77.66 80.68 82.75 87.40 91.80 94.20 98.77 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,140.92 385.40 1,242.86 1,178.20 2,508.89 2,087.23 2,461.75 2,836.10 2,340.36 1,784.72 1,921.00 2,612.06 1,913.78 3,782.54 3,147.71 8,962.54 12,629.41 5,931.65 8,144.28 4,550.17 76,561.57

6,140.92 6,526.32 7,769.18 8,947.38 11,456.27 13,543.50 16,005.25 18,841.34 21,181.70 22,966.42 24,887.42 27,499.48 29,413.26 33,195.80 36,343.51 45,306.05 57,935.46 63,867.11 72,011.40 76,561.57

8.02 0.50 1.62 1.54 3.28 2.73 3.22 3.70 3.06 2.33 2.51 3.41 2.50 4.94 4.11 11.71 16.50 7.75 10.64 5.94

8.02 8.52 10.15 11.69 14.96 17.69 20.91 24.61 27.67 30.00 32.51 35.92 38.42 43.36 47.47 59.18 75.67 83.42 94.06 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 97 13 0 4 12 6 3 15 10 13 17 22 19 23 16 64 173 184 254 72 1,017

97 110 110 114 126 132 135 150 160 173 190 212 231 254 270 334 507 691 945 1,017

9.54 1.28 0.00 0.39 1.18 0.59 0.29 1.47 0.98 1.28 1.67 2.16 1.87 2.26 1.57 6.29 17.01 18.09 24.98 7.08

9.54 10.82 10.82 11.21 12.39 12.98 13.27 14.75 15.73 17.01 18.68 20.85 22.71 24.98 26.55 32.84 49.85 67.94 92.92 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 3,947.42 787.35 0.00 81.94 665.36 388.00 6.40 413.84 527.29 139.22 1,378.52 1,002.24 381.08 458.27 814.27 15,790.63 38,977.01 6,136.24 23,648.96 33,165.02 128,709.05

3,947.42 4,734.78 4,734.78 4,816.72 5,482.08 5,870.08 5,876.48 6,290.32 6,817.61 6,956.83 8,335.35 9,337.59 9,718.67 10,176.94 10,991.20 26,781.83 65,758.84 71,895.07 95,544.03 128,709.05

3.07 0.61 0.00 0.06 0.52 0.30 0.00 0.32 0.41 0.11 1.07 0.78 0.30 0.36 0.63 12.27 30.28 4.77 18.37 25.77

3.07 3.68 3.68 3.74 4.26 4.56 4.57 4.89 5.30 5.41 6.48 7.25 7.55 7.91 8.54 20.81 51.09 55.86 74.23 100.00

LOSS RATIO PERCENTAGE BAND CUM. 64.28 204.30 0.00 6.96 26.52 18.59 0.26 14.59 22.53 7.80 71.76 38.37 19.91 12.12 25.87 176.18 308.62 103.45 290.37 728.87

64.28 72.55 60.94 53.83 47.85 43.34 36.72 33.39 32.19 30.29 33.49 33.96 33.04 30.66 30.24 59.11 113.50 112.57 132.68 168.11

168.11

Page 61 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 25

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2011

DATE

15/10/2011

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

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,071 493 811 735 1,022 707 596 692 495 354 282 367 270 404 261 520 491 301 371 121 10,364

1,071 1,564 2,375 3,110 4,132 4,839 5,435 6,127 6,622 6,976 7,258 7,625 7,895 8,299 8,560 9,080 9,571 9,872 10,243 10,364

10.33 4.76 7.83 7.09 9.86 6.82 5.75 6.68 4.78 3.42 2.72 3.54 2.61 3.90 2.52 5.02 4.74 2.90 3.58 1.17

10.33 15.09 22.92 30.01 39.87 46.69 52.44 59.12 63.89 67.31 70.03 73.57 76.18 80.08 82.59 87.61 92.35 95.25 98.83 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 15,722.44 336.45 739.81 727.22 1,492.37 1,599.39 1,740.32 2,691.39 2,272.39 1,919.44 1,756.09 2,846.74 2,036.31 4,018.22 3,333.75 8,312.48 13,698.94 7,038.44 7,578.06 58,984.08 138,844.29

15,722.44 16,058.88 16,798.69 17,525.91 19,018.28 20,617.67 22,357.98 25,049.37 27,321.76 29,241.20 30,997.28 33,844.02 35,880.33 39,898.54 43,232.29 51,544.77 65,243.72 72,282.15 79,860.21 138,844.29

11.32 0.24 0.53 0.52 1.07 1.15 1.25 1.94 1.64 1.38 1.26 2.05 1.47 2.89 2.40 5.99 9.87 5.07 5.46 42.48

11.32 11.57 12.10 12.62 13.70 14.85 16.10 18.04 19.68 21.06 22.33 24.38 25.84 28.74 31.14 37.12 46.99 52.06 57.52 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 62 2 30 8 2 26 12 8 4 12 17 18 20 12 12 51 87 56 57 27 523

62 64 94 102 104 130 142 150 154 166 183 201 221 233 245 296 383 439 496 523

11.85 0.38 5.74 1.53 0.38 4.97 2.29 1.53 0.76 2.29 3.25 3.44 3.82 2.29 2.29 9.75 16.63 10.71 10.90 5.16

11.85 12.24 17.97 19.50 19.89 24.86 27.15 28.68 29.45 31.74 34.99 38.43 42.26 44.55 46.85 56.60 73.23 83.94 94.84 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 14,187.44 6.75 160.51 423.85 6.00 79.04 1,212.00 237.64 1,684.29 198.41 5,719.98 1,214.51 9,808.91 8,273.27 508.25 27,675.76 37,479.98 27,618.31 40,980.70 11,074.69 188,550.29

14,187.44 14,194.19 14,354.70 14,778.55 14,784.55 14,863.60 16,075.59 16,313.23 17,997.52 18,195.93 23,915.91 25,130.42 34,939.33 43,212.60 43,720.85 71,396.61 108,876.59 136,494.90 177,475.60 188,550.29

7.52 0.00 0.09 0.22 0.00 0.04 0.64 0.13 0.89 0.11 3.03 0.64 5.20 4.39 0.27 14.68 19.88 14.65 21.73 5.87

7.52 7.53 7.61 7.84 7.84 7.88 8.53 8.65 9.55 9.65 12.68 13.33 18.53 22.92 23.19 37.87 57.74 72.39 94.13 100.00

LOSS RATIO PERCENTAGE BAND CUM. 90.24 2.01 21.70 58.28 0.40 4.94 69.64 8.83 74.12 10.34 325.72 42.66 481.70 205.89 15.25 332.94 273.60 392.39 540.78 18.78

90.24 88.39 85.45 84.32 77.74 72.09 71.90 65.12 65.87 62.23 77.15 74.25 97.38 108.31 101.13 138.51 166.88 188.84 222.23 135.80

135.80

Page 62 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 26

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2011

DATE

15/10/2011

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

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 996 599 697 504 600 441 382 436 349 283 225 260 185 345 241 394 407 236 288 67 7,935

996 1,595 2,292 2,796 3,396 3,837 4,219 4,655 5,004 5,287 5,512 5,772 5,957 6,302 6,543 6,937 7,344 7,580 7,868 7,935

12.55 7.55 8.78 6.35 7.56 5.56 4.81 5.49 4.40 3.57 2.84 3.28 2.33 4.35 3.04 4.97 5.13 2.97 3.63 0.84

12.55 20.10 28.88 35.24 42.80 48.36 53.17 58.66 63.06 66.63 69.46 72.74 75.07 79.42 82.46 87.42 92.55 95.53 99.16 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,707.55 527.11 888.47 1,008.96 1,657.28 1,735.77 1,753.97 2,812.36 2,750.42 2,253.84 2,318.78 3,016.59 2,624.45 5,674.81 5,196.87 11,170.70 10,806.67 6,695.68 6,411.88 4,584.31 78,596.48

4,707.55 5,234.66 6,123.13 7,132.09 8,789.37 10,525.14 12,279.10 15,091.47 17,841.89 20,095.73 22,414.51 25,431.10 28,055.55 33,730.36 38,927.23 50,097.94 60,904.60 67,600.28 74,012.17 78,596.48

5.99 0.67 1.13 1.28 2.11 2.21 2.23 3.58 3.50 2.87 2.95 3.84 3.34 7.22 6.61 14.21 13.75 8.52 8.16 5.83

5.99 6.66 7.79 9.07 11.18 13.39 15.62 19.20 22.70 25.57 28.52 32.36 35.70 42.92 49.53 63.74 77.49 86.01 94.17 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 31 0 11 4 6 0 12 14 1 6 4 11 7 35 35 76 88 29 39 4 413

31 31 42 46 52 52 64 78 79 85 89 100 107 142 177 253 341 370 409 413

7.51 0.00 2.66 0.97 1.45 0.00 2.91 3.39 0.24 1.45 0.97 2.66 1.69 8.47 8.47 18.40 21.31 7.02 9.44 0.97

7.51 7.51 10.17 11.14 12.59 12.59 15.50 18.89 19.13 20.58 21.55 24.21 25.91 34.38 42.86 61.26 82.57 89.59 99.03 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2,777.28 0.00 7,305.94 6.73 899.84 0.00 1,751.59 2,254.07 0.00 121.63 184.07 3,475.90 2,523.87 8,236.55 8,440.96 33,335.83 34,868.28 5,598.45 1,806.79 271.60 113,859.38

2,777.28 2,777.28 10,083.22 10,089.95 10,989.79 10,989.79 12,741.38 14,995.45 14,995.45 15,117.09 15,301.16 18,777.06 21,300.93 29,537.47 37,978.43 71,314.26 106,182.55 111,780.99 113,587.78 113,859.38

2.44 0.00 6.42 0.01 0.79 0.00 1.54 1.98 0.00 0.11 0.16 3.05 2.22 7.23 7.41 29.28 30.62 4.92 1.59 0.24

2.44 2.44 8.86 8.86 9.65 9.65 11.19 13.17 13.17 13.28 13.44 16.49 18.71 25.94 33.36 62.63 93.26 98.17 99.76 100.00

LOSS RATIO PERCENTAGE BAND CUM. 59.00 0.00 822.30 0.67 54.30 0.00 99.86 80.15 0.00 5.40 7.94 115.23 96.17 145.14 162.42 298.42 322.66 83.61 28.18 5.92

59.00 53.06 164.67 141.47 125.04 104.41 103.76 99.36 84.05 75.23 68.26 73.84 75.92 87.57 97.56 142.35 174.34 165.36 153.47 144.87

144.87

Page 63 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 27

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2011

DATE

15/10/2011

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

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 4,843 2,353 2,539 1,833 2,147 1,409 1,076 1,207 882 751 546 774 651 1,065 765 1,649 1,769 871 967 342 28,439

4,843 7,196 9,735 11,568 13,715 15,124 16,200 17,407 18,289 19,040 19,586 20,360 21,011 22,076 22,841 24,490 26,259 27,130 28,097 28,439

17.03 8.27 8.93 6.45 7.55 4.95 3.78 4.24 3.10 2.64 1.92 2.72 2.29 3.74 2.69 5.80 6.22 3.06 3.40 1.20

17.03 25.30 34.23 40.68 48.23 53.18 56.96 61.21 64.31 66.95 68.87 71.59 73.88 77.63 80.32 86.11 92.33 95.40 98.80 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 9,187.45 140.05 966.48 974.58 1,841.15 2,604.43 1,946.50 2,543.08 2,111.09 1,851.79 2,438.71 2,932.43 3,141.65 6,022.62 5,407.81 14,091.18 16,868.77 8,651.89 7,867.19 3,973.65 95,562.50

9,187.45 9,327.50 10,293.99 11,268.56 13,109.72 15,714.15 17,660.65 20,203.73 22,314.82 24,166.61 26,605.31 29,537.74 32,679.40 38,702.02 44,109.82 58,201.00 75,069.77 83,721.66 91,588.84 95,562.50

9.61 0.15 1.01 1.02 1.93 2.73 2.04 2.66 2.21 1.94 2.55 3.07 3.29 6.30 5.66 14.75 17.65 9.05 8.23 4.16

9.61 9.76 10.77 11.79 13.72 16.44 18.48 21.14 23.35 25.29 27.84 30.91 34.20 40.50 46.16 60.90 78.56 87.61 95.84 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 268 20 8 6 44 80 60 83 28 41 24 47 35 53 47 288 305 147 226 115 1,925

268 288 296 302 346 426 486 569 597 638 662 709 744 797 844 1,132 1,437 1,584 1,810 1,925

13.92 1.04 0.42 0.31 2.29 4.16 3.12 4.31 1.45 2.13 1.25 2.44 1.82 2.75 2.44 14.96 15.84 7.64 11.74 5.97

13.92 14.96 15.38 15.69 17.97 22.13 25.25 29.56 31.01 33.14 34.39 36.83 38.65 41.40 43.84 58.81 74.65 82.29 94.03 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 21,930.59 79.26 59.48 9.35 1,635.25 1,363.32 1,863.91 2,208.79 881.40 2,133.32 1,567.85 1,929.84 5,318.85 2,340.08 6,479.20 14,614.48 26,718.41 9,648.39 7,019.96 5,816.93 113,618.66

21,930.59 22,009.85 22,069.33 22,078.69 23,713.93 25,077.25 26,941.16 29,149.95 30,031.35 32,164.67 33,732.52 35,662.36 40,981.21 43,321.29 49,800.49 64,414.97 91,133.38 100,781.78 107,801.73 113,618.66

19.30 0.07 0.05 0.01 1.44 1.20 1.64 1.94 0.78 1.88 1.38 1.70 4.68 2.06 5.70 12.86 23.52 8.49 6.18 5.12

19.30 19.37 19.42 19.43 20.87 22.07 23.71 25.66 26.43 28.31 29.69 31.39 36.07 38.13 43.83 56.69 80.21 88.70 94.88 100.00

LOSS RATIO PERCENTAGE BAND CUM. 238.70 56.59 6.15 0.96 88.82 52.35 95.76 86.85 41.75 115.20 64.29 65.81 169.30 38.85 119.81 103.71 158.39 111.52 89.23 146.39

238.70 235.97 214.39 195.93 180.89 159.58 152.55 144.28 134.58 133.10 126.79 120.73 125.40 111.94 112.90 110.68 121.40 120.38 117.70 118.89

118.89

Page 64 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 28

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2011

DATE

15/10/2011

Power and Heating (Pembangkit Tenaga dan Pemanas)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

76 78 14 112 566 2,492 749 294 9 23 8 17 11 45 13 55 74 80 111 133

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

4,960

76 154 168 280 846 3,338 4,087 4,381 4,390 4,413 4,421 4,438 4,449 4,494 4,507 4,562 4,636 4,716 4,827 4,960

1.53 1.57 0.28 2.26 11.41 50.24 15.10 5.93 0.18 0.46 0.16 0.34 0.22 0.91 0.26 1.11 1.49 1.61 2.24 2.68

1.53 3.10 3.39 5.65 17.06 67.30 82.40 88.33 88.51 88.97 89.13 89.48 89.70 90.60 90.87 91.98 93.47 95.08 97.32 100.00

7,765.60

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

10.13 1.52 0.15 0.12 0.15 0.10 0.45 0.89 0.23 0.44 0.21 1.15 0.21 3.28 1.63 7.97 15.16 9.55 20.68 25.98

10.13 11.65 11.80 11.93 12.08 12.18 12.63 13.51 13.74 14.18 14.39 15.54 15.74 19.02 20.66 28.63 43.79 53.34 74.02 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 4 0 0 0 0 0 12 2 0 0 0 0 0 0 2 6 2 14 19 30 91

4 4 4 4 4 4 16 18 18 18 18 18 18 18 20 26 28 42 61 91

4.40 0.00 0.00 0.00 0.00 0.00 13.19 2.20 0.00 0.00 0.00 0.00 0.00 0.00 2.20 6.59 2.20 15.38 20.88 32.97

4.40 4.40 4.40 4.40 4.40 4.40 17.58 19.78 19.78 19.78 19.78 19.78 19.78 19.78 21.98 28.57 30.77 46.15 67.03 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 157.05 0.00 0.00 0.00 0.00 0.00 25,038.31 4.15 0.00 0.00 0.00 0.00 0.00 0.00 256.25 446.49 10.75 74.61 14,325.39 6,818.64 47,131.64

157.05 157.05 157.05 157.05 157.05 157.05 25,195.36 25,199.51 25,199.51 25,199.51 25,199.51 25,199.51 25,199.51 25,199.51 25,455.76 25,902.25 25,913.00 25,987.61 40,313.00 47,131.64

0.33 0.00 0.00 0.00 0.00 0.00 53.12 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.54 0.95 0.02 0.16 30.39 14.47

LOSS RATIO PERCENTAGE BAND CUM.

0.33 19.97 0.33 0.00 0.33 0.00 0.33 0.00 0.33 0.00 0.33 0.00 53.46 72,073.57 53.47 6.03 53.47 0.00 53.47 0.00 53.47 0.00 53.47 0.00 53.47 0.00 53.47 0.00 54.01 202.05 54.96 72.12 54.98 0.91 55.14 10.06 85.53 892.14 100.00 337.95

19.97 17.36 17.14 16.96 16.74 16.61 2,569.51 2,401.57 2,362.21 2,288.25 2,254.80 2,088.28 2,061.05 1,705.68 1,586.81 1,165.03 761.94 627.38 701.34 606.93

606.93

Page 65 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 29

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2011

DATE

15/10/2011

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

152,767 148,254 185,848 115,971 126,696 64,851 45,358 35,392 19,560 10,338 7,989 9,112 5,853 7,035 4,034 5,947 4,117 1,637 2,149 630 953,538

152,767 301,021 486,869 602,840 729,536 794,387 839,745 875,137 894,697 905,035 913,024 922,136 927,989 935,024 939,058 945,005 949,122 950,759 952,908 953,538

16.02 15.55 19.49 12.16 13.29 6.80 4.76 3.71 2.05 1.08 0.84 0.96 0.61 0.74 0.42 0.62 0.43 0.17 0.23 0.07

16.02 31.57 51.06 63.22 76.51 83.31 88.07 91.78 93.83 94.91 95.75 96.71 97.32 98.06 98.48 99.11 99.54 99.71 99.93 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 93,742.78 35,165.00 71,471.04 69,555.50 118,344.04 86,832.80 80,915.51 82,343.45 58,705.21 36,959.96 33,605.33 44,201.09 34,284.78 47,283.92 32,407.61 67,261.51 55,706.20 28,947.61 43,376.00 102,126.58 1,223,235.91

93,742.78 128,907.78 200,378.81 269,934.31 388,278.35 475,111.15 556,026.66 638,370.11 697,075.32 734,035.28 767,640.61 811,841.70 846,126.48 893,410.40 925,818.01 993,079.52 1,048,785.72 1,077,733.32 1,121,109.33 1,223,235.91

7.66 2.87 5.84 5.69 9.67 7.10 6.61 6.73 4.80 3.02 2.75 3.61 2.80 3.87 2.65 5.50 4.55 2.37 3.55 8.35

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

7.66 1,039 1,039 10.54 379 1,418 16.38 706 2,124 22.07 491 2,615 31.74 721 3,336 38.84 444 3,780 45.46 401 4,181 52.19 413 4,594 56.99 346 4,940 60.01 205 5,145 62.75 175 5,320 66.37 252 5,572 69.17 239 5,811 73.04 232 6,043 75.69 152 6,195 81.18 449 6,644 85.74 522 7,166 88.11 319 7,485 91.65 783 8,268 100.00 769 9,037 9,037

11.50 4.19 7.81 5.43 7.98 4.91 4.44 4.57 3.83 2.27 1.94 2.79 2.64 2.57 1.68 4.97 5.78 3.53 8.66 8.51

11.50 15.69 23.50 28.94 36.91 41.83 46.27 50.84 54.66 56.93 58.87 61.66 64.30 66.87 68.55 73.52 79.30 82.83 91.49 100.00

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

79,153.36 9,620.89 14,775.10 14,708.82 36,220.30 22,976.08 19,791.21 77,334.29 23,433.80 23,580.44 6,086.88 27,143.19 20,596.49 8,910.41 11,049.06 195,152.15 109,278.37 33,639.48 89,135.36 281,591.15 1,104,176.82

79,153.36 88,774.25 103,549.35 118,258.17 154,478.47 177,454.55 197,245.76 274,580.05 298,013.85 321,594.29 327,681.16 354,824.35 375,420.84 384,331.25 395,380.31 590,532.46 699,810.83 733,450.31 822,585.67 1,104,176.82

7.17 0.87 1.34 1.33 3.28 2.08 1.79 7.00 2.12 2.14 0.55 2.46 1.87 0.81 1.00 17.67 9.90 3.05 8.07 25.50

7.17 8.04 9.38 10.71 13.99 16.07 17.86 24.87 26.99 29.13 29.68 32.13 34.00 34.81 35.81 53.48 63.38 66.43 74.50 100.00

LOSS RATIO PERCENTAGE BAND CUM. 84.44 27.36 20.67 21.15 30.61 26.46 24.46 93.92 39.92 63.80 18.11 61.41 60.07 18.84 34.09 290.14 196.17 116.21 205.49 275.73

84.44 68.87 51.68 43.81 39.79 37.35 35.47 43.01 42.75 43.81 42.69 43.71 44.37 43.02 42.71 59.46 66.73 68.05 73.37 90.27

90.27

Page 66 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 30

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2011

DATE

15/10/2011

Estate Plantation Risk

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 90 11 16 12 11 19 8 6 7 6 1 5 6 4 1 6 5 1 0 0 215

90 101 117 129 140 159 167 173 180 186 187 192 198 202 203 209 214 215 215 215

41.86 5.12 7.44 5.58 5.12 8.84 3.72 2.79 3.26 2.79 0.47 2.33 2.79 1.86 0.47 2.79 2.33 0.47 0.00 0.00

41.86 46.98 54.42 60.00 65.12 73.95 77.67 80.47 83.72 86.51 86.98 89.30 92.09 93.95 94.42 97.21 99.53 100.00 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 61.65 4.89 20.47 36.45 54.59 36.60 31.63 35.22 22.34 41.84 11.83 126.09 86.83 62.47 19.43 189.01 445.29 143.29 0.00 0.00 1,429.92

61.65 66.54 87.01 123.47 178.06 214.66 246.29 281.51 303.85 345.69 357.52 483.61 570.43 632.90 652.33 841.34 1,286.63 1,429.92 1,429.92 1,429.92

4.31 0.34 1.43 2.55 3.82 2.56 2.21 2.46 1.56 2.93 0.83 8.82 6.07 4.37 1.36 13.22 31.14 10.02 0.00 0.00

4.31 4.65 6.09 8.63 12.45 15.01 17.22 19.69 21.25 24.18 25.00 33.82 39.89 44.26 45.62 58.84 89.98 100.00 100.00 100.00

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

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

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

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

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1.71 4.65 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.35

1.71 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35 6.35

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

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

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

2.77 9.55 7.30 5.15 3.57 2.96 2.58 2.26 2.09 1.84 1.78 1.31 1.11 1.00 0.97 0.76 0.49 0.44 0.44 0.44

0.44

Page 67 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 31

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2011

DATE

15/10/2011

Estate Plantation Risk

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 67 39 23 13 37 19 26 31 22 8 9 33 9 37 16 41 75 62 52 17 636

67 106 129 142 179 198 224 255 277 285 294 327 336 373 389 430 505 567 619 636

10.53 6.13 3.62 2.04 5.82 2.99 4.09 4.87 3.46 1.26 1.42 5.19 1.42 5.82 2.52 6.45 11.79 9.75 8.18 2.67

10.53 16.67 20.28 22.33 28.14 31.13 35.22 40.09 43.55 44.81 46.23 51.42 52.83 58.65 61.16 67.61 79.40 89.15 97.33 100.00

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

172.60 (1,323.24) (1,305.01) (1,296.77) (1,264.35) (1,240.08) (1,164.71) (875.08) (802.01) (772.56) (709.23) (552.68) (519.90) (180.63) 2.77 1,766.67 3,495.52 6,157.92 12,577.24 14,521.13

1.19 (10.30) 0.13 0.06 0.22 0.17 0.52 1.99 0.50 0.20 0.44 1.08 0.23 2.34 1.26 12.15 11.91 18.33 44.21 13.39

1.19 (9.11) (8.99) (8.93) (8.71) (8.54) (8.02) (6.03) (5.52) (5.32) (4.88) (3.81) (3.58) (1.24) 0.02 12.17 24.07 42.41 86.61 100.00

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

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

10.94 0.00 3.13 0.00 3.13 0.00 0.00 9.38 3.13 0.00 0.00 3.13 0.00 3.13 6.25 0.00 12.50 12.50 31.25 1.56

10.94 10.94 14.06 14.06 17.19 17.19 17.19 26.56 29.69 29.69 29.69 32.81 32.81 35.94 42.19 42.19 54.69 67.19 98.44 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 119.08 0.00 2.41 0.00 4.11 0.00 0.00 132.90 80.11 0.00 0.00 41.06 0.00 54.79 214.82 0.00 15.71 383.69 52.39 0.00 1,101.05

119.08 119.08 121.49 121.49 125.59 125.59 125.59 258.49 338.60 338.60 338.60 379.65 379.65 434.44 649.26 649.26 664.97 1,048.67 1,101.05 1,101.05

10.81 0.00 0.22 0.00 0.37 0.00 0.00 12.07 7.28 0.00 0.00 3.73 0.00 4.98 19.51 0.00 1.43 34.85 4.76 0.00

10.81 10.81 11.03 11.03 11.41 11.41 11.41 23.48 30.75 30.75 30.75 34.48 34.48 39.46 58.97 58.97 60.39 95.24 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 68.99 68.99 0.00 (9.00) 13.22 (9.31) 0.00 (9.37) 12.66 (9.93) 0.00 (10.13) 0.00 (10.78) 45.89 (29.54) 109.62 (42.22) 0.00 (43.83) 0.00 (47.74) 26.23 (68.69) 0.00 (73.02) 16.15 (240.52) 117.13 23,429.65 0.00 36.75 0.91 19.02 14.41 17.03 0.82 8.75 0.00 7.58 7.58

Page 68 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 32

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2011

DATE

15/10/2011

Recreation Place

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 15 10 9 2 10 1 1 3 1 3 1 1 1 10 1 12 15 8 4 0 108

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

13.89 9.26 8.33 1.85 9.26 0.93 0.93 2.78 0.93 2.78 0.93 0.93 0.93 9.26 0.93 11.11 13.89 7.41 3.70 0.00

13.89 23.15 31.48 33.33 42.59 43.52 44.44 47.22 48.15 50.93 51.85 52.78 53.70 62.96 63.89 75.00 88.89 96.30 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6.39 28.84 11.91 1.74 8.03 5.48 5.48 16.43 9.96 30.80 9.62 0.00 15.27 250.45 6.30 307.63 748.10 753.27 105.70 0.00 2,321.37

6.39 35.22 47.13 48.88 56.91 62.38 67.86 84.28 94.24 125.03 134.65 134.65 149.93 400.37 406.67 714.30 1,462.40 2,215.67 2,321.37 2,321.37

0.28 1.24 0.51 0.08 0.35 0.24 0.24 0.71 0.43 1.33 0.41 0.00 0.66 10.79 0.27 13.25 32.23 32.45 4.55 0.00

0.28 1.52 2.03 2.11 2.45 2.69 2.92 3.63 4.06 5.39 5.80 5.80 6.46 17.25 17.52 30.77 63.00 95.45 100.00 100.00

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

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

0.00 0.00 27.59 6.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 34.48 13.79 17.24 0.00

0.00 0.00 27.59 34.48 34.48 34.48 34.48 34.48 34.48 34.48 34.48 34.48 34.48 34.48 34.48 34.48 68.97 82.76 100.00 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

0.00 0.00 1.64 1.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 536.23 147.29 181.63 0.00

0.00 0.00 13.75 68.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 71.68 19.55 171.84 0.00

867.98

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

0.00 0.00 0.19 0.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 61.78 16.97 20.93 0.00

0.00 0.00 0.19 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 0.33 62.11 79.07 100.00 100.00

0.00 0.00 3.48 5.80 4.98 4.55 4.18 3.37 3.01 2.27 2.11 2.11 1.89 0.71 0.70 0.40 36.86 30.98 37.39 37.39

37.39

Page 69 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 40

DATA POSITION FROM PROCESSING

01/01/2008

15/06/2011

DATE

15/10/2011

Non Estate Plantation Risk

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,473 178 98 36 43 32 23 24 21 11 11 17 10 23 16 41 41 23 8 0 2,129

1,473 1,651 1,749 1,785 1,828 1,860 1,883 1,907 1,928 1,939 1,950 1,967 1,977 2,000 2,016 2,057 2,098 2,121 2,129 2,129

69.19 8.36 4.60 1.69 2.02 1.50 1.08 1.13 0.99 0.52 0.52 0.80 0.47 1.08 0.75 1.93 1.93 1.08 0.38 0.00

69.19 77.55 82.15 83.84 85.86 87.36 88.45 89.57 90.56 91.08 91.59 92.39 92.86 93.94 94.69 96.62 98.54 99.62 100.00 100.00

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

338.97 402.46 500.37 551.65 627.91 682.89 735.63 793.00 878.32 925.04 999.39 1,128.85 1,269.37 1,543.54 2,032.90 3,559.79 5,344.49 6,021.04 6,245.98 6,245.98

5.43 1.02 1.57 0.82 1.22 0.88 0.84 0.92 1.37 0.75 1.19 2.07 2.25 4.39 7.83 24.45 28.57 10.83 3.60 0.00

5.43 6.44 8.01 8.83 10.05 10.93 11.78 12.70 14.06 14.81 16.00 18.07 20.32 24.71 32.55 56.99 85.57 96.40 100.00 100.00

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

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.00 25.00 15.00 20.00 30.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.00 35.00 50.00 70.00 100.00 100.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.51 281.76 46.15 2,296.43 744.12 0.00 0.00 3,380.97

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 12.51 294.27 340.42 2,636.85 3,380.97 3,380.97 3,380.97

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.37 8.33 1.36 67.92 22.01 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.37 8.70 10.07 77.99 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.56 57.58 3.02 128.67 109.99 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 0.81 14.48 9.56 49.34 56.15 54.13 54.13

54.13

Page 70 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, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 01 - NANGGROE ACEH DARUSSALAM

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,187 1,576 2,150 1,323 1,127 452 355 195 111 38 28 29 29 31 22 20 27 13 9 17 8,739

1,187 2,763 4,913 6,236 7,363 , 7,815 8,170 8,365 8,476 8,514 8,542 8,571 8,600 8,631 8,653 8,673 8,700 8,713 8,722 8,739

13.58 18.03 24.60 15.14 12.90 5.17 4.06 2.23 1.27 0.43 0.32 0.33 0.33 0.35 0.25 0.23 0.31 0.15 0.10 0.19

13.58 31.62 56.22 71.36 84.25 89.43 93.49 95.72 96.99 97.43 97.75 98.08 98.41 98.76 99.02 99.24 99.55 99.70 99.81 100.00

PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 321.97 623.54 1,509.22 1,516.73 1,803.94 , 1,039.63 994.30 686.58 466.87 180.29 129.45 177.27 155.45 241.34 191.17 273.60 806.13 400.99 52.98 462.06 12,033.50

321.97 945.51 2,454.72 3,971.46 5,775.40 , 6,815.02 7,809.32 8,495.90 8,962.77 9,143.06 9,272.51 9,449.78 9,605.23 9,846.57 10,037.74 10,311.34 11,117.47 11,518.46 11,571.44 12,033.50

2.68 5.18 12.54 12.60 14.99 8.64 8.26 5.71 3.88 1.50 1.08 1.47 1.29 2.01 1.59 2.27 6.70 3.33 0.44 3.84

2.68 7.86 20.40 33.00 47.99 56.63 64.90 70.60 74.48 75.98 77.06 78.53 79.82 81.83 83.41 85.69 92.39 95.72 96.16 100.00

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

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

36.36 12.12 6.06 21.21 0.00 6.06 6.06 0.00 0.00 6.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.06 0.00 0.00

36.36 48.48 54.55 75.76 75.76 81.82 87.88 87.88 87.88 93.94 93.94 93.94 93.94 93.94 93.94 93.94 93.94 100.00 100.00 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 246.24 72.49 0.00 339.19 0.00 10.91 0.49 0.00 0.00 47.22 0.00 0.00 0.00 0.00 0.00 0.00 0.00 53.98 0.00 0.00 770.53

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

31.96 9.41 0.00 44.02 0.00 1.42 0.06 0.00 0.00 6.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.01 0.00 0.00

31.96 41.37 41.37 85.39 85.39 86.80 86.87 86.87 86.87 92.99 92.99 92.99 92.99 92.99 92.99 92.99 92.99 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 76.48 11.63 0.00 22.36 0.00 1.05 0.05 0.00 0.00 26.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.46 0.00 0.00

76.48 33.71 12.98 16.57 11.39 9.81 8.57 7.88 7.47 7.84 7.73 7.58 7.46 7.28 7.14 6.95 6.45 6.69 6.66 6.40

6.40

Page 71 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 02 - SUMATERA UTARA

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 9,108 8,580 14,777 9,907 9,827 , 4,249 2,965 2,116 1,160 652 533 581 424 527 302 533 523 250 242 79 67,335

9,108 17,688 32,465 42,372 52,199 , 56,448 59,413 61,529 62,689 63,341 63,874 64,455 64,879 65,406 65,708 66,241 66,764 67,014 67,256 67,335

13.53 12.74 21.95 14.71 14.59 6.31 4.40 3.14 1.72 0.97 0.79 0.86 0.63 0.78 0.45 0.79 0.78 0.37 0.36 0.12

13.53 26.27 48.21 62.93 77.52 83.83 88.23 91.38 93.10 94.07 94.86 95.72 96.35 97.14 97.58 98.38 99.15 99.52 99.88 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

5,559.30 1,949.71 5,190.87 5,653.28 8,946.44 , 5,455.19 5,774.28 5,528.35 4,109.12 2,703.25 2,612.99 3,307.41 3,005.96 4,273.82 3,455.32 8,121.58 7,996.52 4,815.36 2,633.02 2,226.41

121 14 22 24 38 49 15 46 12 10 13 27 18 18 22 67 90 35 103 23

93,318.19

5,559.30 7,509.01 12,699.88 18,353.16 27,299.60 , 32,754.79 38,529.06 44,057.41 48,166.54 50,869.79 53,482.78 56,790.19 59,796.15 64,069.97 67,525.30 75,646.87 83,643.39 88,458.76 91,091.77 93,318.19

5.96 2.09 5.56 6.06 9.59 5.85 6.19 5.92 4.40 2.90 2.80 3.54 3.22 4.58 3.70 8.70 8.57 5.16 2.82 2.39

5.96 8.05 13.61 19.67 29.25 35.10 41.29 47.21 51.62 54.51 57.31 60.86 64.08 68.66 72.36 81.06 89.63 94.79 97.61 100.00

767

121 135 157 181 219 268 283 329 341 351 364 391 409 427 449 516 606 641 744 767

15.78 1.83 2.87 3.13 4.95 6.39 1.96 6.00 1.56 1.30 1.69 3.52 2.35 2.35 2.87 8.74 11.73 4.56 13.43 3.00

15.78 17.60 20.47 23.60 28.55 34.94 36.90 42.89 44.46 45.76 47.46 50.98 53.32 55.67 58.54 67.28 79.01 83.57 97.00 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 4,799.63 324.61 172.87 1,218.38 2,047.55 , 2,073.63 1,354.51 16,800.87 102.06 1,523.47 1,765.69 4,985.94 245.26 1,201.88 3,957.88 3,681.56 7,006.76 1,419.21 15,472.56 20,364.75 90,519.06

4,799.63 5,124.24 5,297.11 6,515.49 8,563.04 , 10,636.67 11,991.18 28,792.05 28,894.10 30,417.58 32,183.27 37,169.21 37,414.47 38,616.35 42,574.23 46,255.78 53,262.54 54,681.75 70,154.31 90,519.06

5.30 0.36 0.19 1.35 2.26 2.29 1.50 18.56 0.11 1.68 1.95 5.51 0.27 1.33 4.37 4.07 7.74 1.57 17.09 22.50

5.30 5.66 5.85 7.20 9.46 11.75 13.25 31.81 31.92 33.60 35.55 41.06 41.33 42.66 47.03 51.10 58.84 60.41 77.50 100.00

LOSS RATIO PERCENTAGE BAND CUM. 86.34 16.65 3.33 21.55 22.89 38.01 23.46 303.90 2.48 56.36 67.57 150.75 8.16 28.12 114.54 45.33 87.62 29.47 587.64 914.69

86.34 68.24 41.71 35.50 31.37 32.47 31.12 65.35 59.99 59.79 60.18 65.45 62.57 60.27 63.05 61.15 63.68 61.82 77.01 97.00

97.00

Page 72 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 03 - SUMATERA BARAT

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,731 4,465 7,106 4,098 3,596 , 1,424 1,041 609 410 209 194 211 147 154 100 127 99 59 41 15 26,836

2,731 7,196 14,302 18,400 21,996 , 23,420 24,461 25,070 25,480 25,689 25,883 26,094 26,241 26,395 26,495 26,622 26,721 26,780 26,821 26,836

10.18 16.64 26.48 15.27 13.40 5.31 3.88 2.27 1.53 0.78 0.72 0.79 0.55 0.57 0.37 0.47 0.37 0.22 0.15 0.06

10.18 26.81 53.29 68.56 81.96 87.27 91.15 93.42 94.95 95.73 96.45 97.24 97.78 98.36 98.73 99.20 99.57 99.79 99.94 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

1,028.96 822.87 2,105.04 1,989.65 3,184.70 , 2,158.34 2,259.18 1,544.92 1,308.18 1,020.57 568.12 817.90 552.06 674.78 350.83 1,277.60 1,314.71 817.51 644.81 754.43

29 35 92 96 134 68 71 40 62 34 36 42 43 33 31 30 52 20 2 10

25,195.15

1,028.96 1,851.84 3,956.88 5,946.53 9,131.23 , 11,289.57 13,548.75 15,093.68 16,401.85 17,422.42 17,990.54 18,808.44 19,360.49 20,035.27 20,386.10 21,663.70 22,978.40 23,795.91 24,440.72 25,195.15

4.08 3.27 8.35 7.90 12.64 8.57 8.97 6.13 5.19 4.05 2.25 3.25 2.19 2.68 1.39 5.07 5.22 3.24 2.56 2.99

4.08 7.35 15.70 23.60 36.24 44.81 53.78 59.91 65.10 69.15 71.40 74.65 76.84 79.52 80.91 85.98 91.20 94.45 97.01 100.00

960

29 64 156 252 386 454 525 565 627 661 697 739 782 815 846 876 928 948 950 960

3.02 3.65 9.58 10.00 13.96 7.08 7.40 4.17 6.46 3.54 3.75 4.38 4.48 3.44 3.23 3.13 5.42 2.08 0.21 1.04

3.02 6.67 16.25 26.25 40.21 47.29 54.69 58.85 65.31 68.85 72.60 76.98 81.46 84.90 88.13 91.25 96.67 98.75 98.96 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 344.44 550.06 664.37 2,630.23 8,341.74 , 7,204.91 6,511.86 6,383.79 8,471.84 6,007.80 2,842.45 7,069.37 7,520.36 1,801.94 3,172.87 129,399.80 97,155.63 13,770.37 1.91 10,494.39 320,340.14

344.44 894.50 1,558.87 4,189.10 12,530.84 , 19,735.76 26,247.61 32,631.41 41,103.24 47,111.04 49,953.49 57,022.86 64,543.22 66,345.16 69,518.03 198,917.83 296,073.46 309,843.83 309,845.74 320,340.14

0.11 0.17 0.21 0.82 2.60 2.25 2.03 1.99 2.64 1.88 0.89 2.21 2.35 0.56 0.99 40.39 30.33 4.30 0.00 3.28

LOSS RATIO PERCENTAGE BAND CUM.

0.11 33.47 0.28 66.85 0.49 31.56 1.31 132.20 3.91 261.93 6.16 333.82 8.19 288.24 10.19 413.21 12.83 647.61 14.71 588.67 15.59 500.33 17.80 864.34 20.15 1,362.24 20.71 267.04 21.70 904.39 62.10 10,128.39 92.42 7,389.90 96.72 1,684.44 96.72 0.30 100.00 1,391.04

33.47 48.30 39.40 70.45 137.23 174.81 193.73 216.19 250.60 270.40 277.67 303.18 333.38 331.14 341.01 918.21 1,288.49 1,302.09 1,267.74 1,271.44

1,271.44

Page 73 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 04 - RIAU

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,573 5,340 7,622 4,838 4,676 , 1,861 1,125 817 385 263 160 189 122 179 98 178 188 149 181 63 34,007

5,573 10,913 18,535 23,373 28,049 , 29,910 31,035 31,852 32,237 32,500 32,660 32,849 32,971 33,150 33,248 33,426 33,614 33,763 33,944 34,007

16.39 15.70 22.41 14.23 13.75 5.47 3.31 2.40 1.13 0.77 0.47 0.56 0.36 0.53 0.29 0.52 0.55 0.44 0.53 0.19

16.39 32.09 54.50 68.73 82.48 87.95 91.26 93.66 94.80 95.57 96.04 96.59 96.95 97.48 97.77 98.29 98.84 99.28 99.81 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,671.00 (317.30) 3,343.02 3,631.58 5,813.84 , 3,434.91 3,052.73 2,554.98 1,702.64 1,049.89 784.37 1,157.98 915.96 1,335.69 778.60 2,516.34 3,547.23 1,724.24 3,741.64 691.16 44,130.54

2,671.00 2,353.70 5,696.72 9,328.30 15,142.14 , 18,577.06 21,629.79 24,184.77 25,887.42 26,937.31 27,721.68 28,879.66 29,795.63 31,131.32 31,909.92 34,426.26 37,973.49 39,697.73 43,439.37 44,130.54

6.05 (0.72) 7.58 8.23 13.17 7.78 6.92 5.79 3.86 2.38 1.78 2.62 2.08 3.03 1.76 5.70 8.04 3.91 8.48 1.57

6.05 5.33 12.91 21.14 34.31 42.10 49.01 54.80 58.66 61.04 62.82 65.44 67.52 70.54 72.31 78.01 86.05 89.96 98.43 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 44 29 29 13 12 11 16 18 3 9 2 5 0 2 4 0 32 14 6 16 265

44 73 102 115 127 138 154 172 175 184 186 191 191 193 197 197 229 243 249 265

16.60 10.94 10.94 4.91 4.53 4.15 6.04 6.79 1.13 3.40 0.75 1.89 0.00 0.75 1.51 0.00 12.08 5.28 2.26 6.04

16.60 27.55 38.49 43.40 47.92 52.08 58.11 64.91 66.04 69.43 70.19 72.08 72.08 72.83 74.34 74.34 86.42 91.70 93.96 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 17,538.16 690.13 925.55 457.04 590.27 604.97 1,738.55 1,096.22 150.00 4,565.47 3.78 52.34 0.00 5.53 289.07 0.00 2,965.33 1,217.04 74.61 919.08 33,883.13

17,538.16 18,228.29 19,153.84 19,610.87 20,201.15 , 20,806.11 22,544.66 23,640.88 23,790.88 28,356.35 28,360.13 28,412.47 28,412.47 28,418.00 28,707.08 28,707.08 31,672.40 32,889.44 32,964.05 33,883.13

51.76 2.04 2.73 1.35 1.74 1.79 5.13 3.24 0.44 13.47 0.01 0.15 0.00 0.02 0.85 0.00 8.75 3.59 0.22 2.71

51.76 53.80 56.53 57.88 59.62 61.41 66.54 69.77 70.21 83.69 83.70 83.85 83.85 83.87 84.72 84.72 93.48 97.07 97.29 100.00

LOSS RATIO PERCENTAGE BAND CUM. 656.61 (217.50) 27.69 12.59 10.15 17.61 56.95 42.91 8.81 434.85 0.48 4.52 0.00 0.41 37.13 0.00 83.60 70.58 1.99 132.98

656.61 774.45 336.23 210.23 133.41 112.00 104.23 97.75 91.90 105.27 102.30 98.38 95.36 91.28 89.96 83.39 83.41 82.85 75.89 76.78

76.78

Page 74 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 05 - JAMBI

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,152 2,659 3,079 1,713 1,503 598 348 269 144 88 47 56 45 56 40 37 58 39 38 10 12,979

2,152 4,811 7,890 9,603 11,106 , 11,704 12,052 12,321 12,465 12,553 12,600 12,656 12,701 12,757 12,797 12,834 12,892 12,931 12,969 12,979

16.58 20.49 23.72 13.20 11.58 4.61 2.68 2.07 1.11 0.68 0.36 0.43 0.35 0.43 0.31 0.29 0.45 0.30 0.29 0.08

16.58 37.07 60.79 73.99 85.57 90.18 92.86 94.93 96.04 96.72 97.08 97.51 97.86 98.29 98.60 98.88 99.33 99.63 99.92 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 521.60 745.34 1,664.75 1,458.09 1,946.11 , 1,156.66 871.10 893.52 750.24 322.17 190.88 364.39 276.60 438.40 756.57 651.97 746.37 841.14 868.14 69.72 15,533.76

521.60 1,266.93 2,931.69 4,389.78 6,335.89 , 7,492.55 8,363.65 9,257.17 10,007.41 10,329.58 10,520.46 10,884.85 11,161.45 11,599.85 12,356.42 13,008.39 13,754.76 14,595.90 15,464.04 15,533.76

3.36 4.80 10.72 9.39 12.53 7.45 5.61 5.75 4.83 2.07 1.23 2.35 1.78 2.82 4.87 4.20 4.80 5.41 5.59 0.45

3.36 8.16 18.87 28.26 40.79 48.23 53.84 59.59 64.42 66.50 67.73 70.07 71.85 74.68 79.55 83.74 88.55 93.96 99.55 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 3 4 9 3 9 4 2 0 0 1 0 1 0 0 0 0 5 12 0 0 53

3 7 16 19 28 32 34 34 34 35 35 36 36 36 36 36 41 53 53 53

5.66 7.55 16.98 5.66 16.98 7.55 3.77 0.00 0.00 1.89 0.00 1.89 0.00 0.00 0.00 0.00 9.43 22.64 0.00 0.00

5.66 13.21 30.19 35.85 52.83 60.38 64.15 64.15 64.15 66.04 66.04 67.92 67.92 67.92 67.92 67.92 77.36 100.00 100.00 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 22.25 69.00 446.45 73.80 777.56 1.14 129.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 240.58 280.94 0.00 0.00 2,041.32

22.25 91.25 537.70 611.50 1,389.06 , 1,390.20 1,519.81 1,519.81 1,519.81 1,519.81 1,519.81 1,519.81 1,519.81 1,519.81 1,519.81 1,519.81 1,760.39 2,041.32 2,041.32 2,041.32

1.09 3.38 21.87 3.62 38.09 0.06 6.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11.79 13.76 0.00 0.00

1.09 4.47 26.34 29.96 68.05 68.10 74.45 74.45 74.45 74.45 74.45 74.45 74.45 74.45 74.45 74.45 86.24 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 4.27 9.26 26.82 5.06 39.95 0.10 14.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 32.23 33.40 0.00 0.00

4.27 7.20 18.34 13.93 21.92 18.55 18.17 16.42 15.19 14.71 14.45 13.96 13.62 13.10 12.30 11.68 12.80 13.99 13.20 13.14

13.14

Page 75 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 06 - SUMATERA SELATAN

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,960 3,729 5,115 3,388 3,012 , 1,537 1,081 792 395 271 155 161 114 131 95 171 133 98 111 64 24,513

3,960 7,689 12,804 16,192 19,204 , 20,741 21,822 22,614 23,009 23,280 23,435 23,596 23,710 23,841 23,936 24,107 24,240 24,338 24,449 24,513

16.15 15.21 20.87 13.82 12.29 6.27 4.41 3.23 1.61 1.11 0.63 0.66 0.47 0.53 0.39 0.70 0.54 0.40 0.45 0.26

16.15 31.37 52.23 66.05 78.34 84.61 89.02 92.25 93.86 94.97 95.60 96.26 96.72 97.26 97.65 98.34 98.89 99.29 99.74 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,233.24 977.24 1,992.34 2,034.78 3,169.56 , 2,235.29 2,296.09 2,117.55 1,357.88 1,025.70 769.53 839.11 591.10 1,087.59 763.23 2,043.32 2,283.31 2,091.17 2,054.57 826.51 32,789.10

2,233.24 3,210.47 5,202.81 7,237.59 10,407.15 , 12,642.44 14,938.53 17,056.08 18,413.96 19,439.66 20,209.19 21,048.30 21,639.40 22,726.99 23,490.22 25,533.54 27,816.84 29,908.02 31,962.59 32,789.10

6.81 2.98 6.08 6.21 9.67 6.82 7.00 6.46 4.14 3.13 2.35 2.56 1.80 3.32 2.33 6.23 6.96 6.38 6.27 2.52

6.81 9.79 15.87 22.07 31.74 38.56 45.56 52.02 56.16 59.29 61.63 64.19 66.00 69.31 71.64 77.87 84.84 91.21 97.48 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 28 11 16 5 8 4 4 6 6 2 0 0 1 5 3 6 19 9 100 22 255

28 39 55 60 68 72 76 82 88 90 90 90 91 96 99 105 124 133 233 255

10.98 4.31 6.27 1.96 3.14 1.57 1.57 2.35 2.35 0.78 0.00 0.00 0.39 1.96 1.18 2.35 7.45 3.53 39.22 8.63

10.98 15.29 21.57 23.53 26.67 28.24 29.80 32.16 34.51 35.29 35.29 35.29 35.69 37.65 38.82 41.18 48.63 52.16 91.37 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2,183.44 173.36 701.69 76.48 548.18 265.86 12.55 94.81 243.36 208.95 0.00 0.00 0.00 34.90 4.80 3,342.56 2,883.45 133.01 94,658.47 161.62 105,727.49

2,183.44 2,356.80 3,058.49 3,134.97 3,683.15 , 3,949.01 3,961.57 4,056.38 4,299.74 4,508.69 4,508.69 4,508.69 4,508.69 4,543.59 4,548.39 7,890.94 10,774.39 10,907.40 105,565.87 105,727.49

2.07 0.16 0.66 0.07 0.52 0.25 0.01 0.09 0.23 0.20 0.00 0.00 0.00 0.03 0.00 3.16 2.73 0.13 89.53 0.15

LOSS RATIO PERCENTAGE BAND CUM.

2.07 97.77 2.23 17.74 2.89 35.22 2.97 3.76 3.48 17.30 3.74 11.89 3.75 0.55 3.84 4.48 4.07 17.92 4.26 20.37 4.26 0.00 4.26 0.00 4.26 0.00 4.30 3.21 4.30 0.63 7.46 163.58 10.19 126.28 10.32 6.36 99.85 4,607.21 100.00 19.55

97.77 73.41 58.79 43.32 35.39 31.24 26.52 23.78 23.35 23.19 22.31 21.42 20.84 19.99 19.36 30.90 38.73 36.47 330.28 322.45

322.45

Page 76 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 07 - BENGKULU

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,433 1,586 1,647 896 673 287 150 98 56 28 24 33 23 18 12 15 27 13 5 4 7,028

1,433 3,019 4,666 5,562 6,235 , 6,522 6,672 6,770 6,826 6,854 6,878 6,911 6,934 6,952 6,964 6,979 7,006 7,019 7,024 7,028

20.39 22.57 23.43 12.75 9.58 4.08 2.13 1.39 0.80 0.40 0.34 0.47 0.33 0.26 0.17 0.21 0.38 0.18 0.07 0.06

20.39 42.96 66.39 79.14 88.72 92.80 94.93 96.33 97.13 97.52 97.87 98.34 98.66 98.92 99.09 99.30 99.69 99.87 99.94 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 430.57 379.65 750.17 577.90 841.00 459.74 372.66 238.08 191.39 133.97 120.15 292.01 108.45 81.30 280.05 174.44 402.07 210.04 104.94 27.83 6,176.41

430.57 810.22 1,560.39 2,138.30 2,979.30 , 3,439.04 3,811.69 4,049.78 4,241.16 4,375.13 4,495.28 4,787.30 4,895.75 4,977.04 5,257.09 5,431.52 5,833.60 6,043.64 6,148.57 6,176.41

6.97 6.15 12.15 9.36 13.62 7.44 6.03 3.85 3.10 2.17 1.95 4.73 1.76 1.32 4.53 2.82 6.51 3.40 1.70 0.45

6.97 13.12 25.26 34.62 48.24 55.68 61.71 65.57 68.67 70.84 72.78 77.51 79.27 80.58 85.12 87.94 94.45 97.85 99.55 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 8 4 6 8 18 2 0 0 5 0 0 0 2 0 0 0 0 2 1 0 56

8 12 18 26 44 46 46 46 51 51 51 51 53 53 53 53 53 55 56 56

14.29 7.14 10.71 14.29 32.14 3.57 0.00 0.00 8.93 0.00 0.00 0.00 3.57 0.00 0.00 0.00 0.00 3.57 1.79 0.00

14.29 21.43 32.14 46.43 78.57 82.14 82.14 82.14 91.07 91.07 91.07 91.07 94.64 94.64 94.64 94.64 94.64 98.21 100.00 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 93.77 42.58 90.22 112.62 1,231.03 15.27 0.00 0.00 8.99 0.00 0.00 0.00 45.36 0.00 0.00 0.00 0.00 45.45 0.00 0.00 1,685.29

93.77 136.35 226.57 339.20 1,570.23 , 1,585.49 1,585.49 1,585.49 1,594.48 1,594.48 1,594.48 1,594.48 1,639.84 1,639.84 1,639.84 1,639.84 1,639.84 1,685.29 1,685.29 1,685.29

5.56 2.53 5.35 6.68 73.05 0.91 0.00 0.00 0.53 0.00 0.00 0.00 2.69 0.00 0.00 0.00 0.00 2.70 0.00 0.00

5.56 8.09 13.44 20.13 93.17 94.08 94.08 94.08 94.61 94.61 94.61 94.61 97.30 97.30 97.30 97.30 97.30 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 21.78 11.22 12.03 19.49 146.38 3.32 0.00 0.00 4.70 0.00 0.00 0.00 41.83 0.00 0.00 0.00 0.00 21.64 0.00 0.00

21.78 16.83 14.52 15.86 52.70 46.10 41.60 39.15 37.60 36.44 35.47 33.31 33.50 32.95 31.19 30.19 28.11 27.89 27.41 27.29

27.29

Page 77 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 08 - LAMPUNG

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,450 3,177 3,644 2,223 2,158 , 1,074 715 568 353 177 160 166 153 223 135 225 245 127 101 47 18,121

2,450 5,627 9,271 11,494 13,652 , 14,726 15,441 16,009 16,362 16,539 16,699 16,865 17,018 17,241 17,376 17,601 17,846 17,973 18,074 18,121

13.52 17.53 20.11 12.27 11.91 5.93 3.95 3.13 1.95 0.98 0.88 0.92 0.84 1.23 0.74 1.24 1.35 0.70 0.56 0.26

13.52 31.05 51.16 63.43 75.34 81.26 85.21 88.35 90.29 91.27 92.15 93.07 93.91 95.14 95.89 97.13 98.48 99.18 99.74 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,173.81 626.64 1,219.13 1,218.56 2,062.31 , 1,540.42 1,372.58 1,513.17 1,298.98 690.98 689.50 835.92 1,069.84 1,605.77 1,420.67 2,688.51 3,191.49 1,701.76 1,119.39 435.44 28,474.86

2,173.81 2,800.45 4,019.58 5,238.14 7,300.45 , 8,840.87 10,213.45 11,726.63 13,025.60 13,716.58 14,406.08 15,242.00 16,311.83 17,917.60 19,338.27 22,026.78 25,218.27 26,920.03 28,039.42 28,474.86

7.63 2.20 4.28 4.28 7.24 5.41 4.82 5.31 4.56 2.43 2.42 2.94 3.76 5.64 4.99 9.44 11.21 5.98 3.93 1.53

7.63 9.83 14.12 18.40 25.64 31.05 35.87 41.18 45.74 48.17 50.59 53.53 57.29 62.92 67.91 77.36 88.56 94.54 98.47 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

35 4 12 21 9 4 10 12 0 6 2 4 4 6 10 29 106 28 13 22 337

35 39 51 72 81 85 95 107 107 113 115 119 123 129 139 168 274 302 315 337

10.39 1.19 3.56 6.23 2.67 1.19 2.97 3.56 0.00 1.78 0.59 1.19 1.19 1.78 2.97 8.61 31.45 8.31 3.86 6.53

10.39 11.57 15.13 21.36 24.04 25.22 28.19 31.75 31.75 33.53 34.12 35.31 36.50 38.28 41.25 49.85 81.31 89.61 93.47 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 5,746.92 74.61 9.85 220.67 594.15 28.10 300.83 24.31 0.00 1,521.47 3.06 844.13 35.42 788.28 1,324.75 3,487.08 4,280.97 716.14 1,099.29 1,020.06 22,120.07

5,746.92 5,821.53 5,831.37 6,052.05 6,646.20 , 6,674.30 6,975.12 6,999.43 6,999.43 8,520.90 8,523.95 9,368.08 9,403.50 10,191.78 11,516.53 15,003.61 19,284.58 20,000.72 21,100.01 22,120.07

25.98 0.34 0.04 1.00 2.69 0.13 1.36 0.11 0.00 6.88 0.01 3.82 0.16 3.56 5.99 15.76 19.35 3.24 4.97 4.61

25.98 26.32 26.36 27.36 30.05 30.17 31.53 31.64 31.64 38.52 38.53 42.35 42.51 46.07 52.06 67.83 87.18 90.42 95.39 100.00

LOSS RATIO PERCENTAGE BAND CUM. 264.37 11.91 0.81 18.11 28.81 1.82 21.92 1.61 0.00 220.19 0.44 100.98 3.31 49.09 93.25 129.70 134.14 42.08 98.20 234.26

264.37 207.88 145.07 115.54 91.04 75.49 68.29 59.69 53.74 62.12 59.17 61.46 57.65 56.88 59.55 68.12 76.47 74.30 75.25 77.68

77.68

Page 78 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 09 - DAERAH KHUSUS IBUKOTA JAKARTA

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 25,480 17,238 31,702 26,825 37,757 , 22,043 16,298 12,904 7,243 3,859 3,086 3,609 2,306 2,817 1,667 2,737 2,015 931 1,552 594 222,663

25,480 42,718 74,420 101,245 139,002 , 161,045 177,343 190,247 197,490 201,349 204,435 208,044 210,350 213,167 214,834 217,571 219,586 220,517 222,069 222,663

11.44 7.74 14.24 12.05 16.96 9.90 7.32 5.80 3.25 1.73 1.39 1.62 1.04 1.27 0.75 1.23 0.90 0.42 0.70 0.27

11.44 19.19 33.42 45.47 62.43 72.33 79.65 85.44 88.69 90.43 91.81 93.43 94.47 95.74 96.48 97.71 98.62 99.04 99.73 100.00

PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 56,363.11 5,054.43 10,094.66 12,041.33 29,711.93 , 21,203.96 22,627.14 24,438.12 18,655.53 12,136.56 12,751.97 16,186.06 12,833.72 18,140.19 13,164.24 29,585.40 33,866.43 16,792.98 32,519.54 76,949.98 475,117.25

56,363.11 61,417.54 71,512.20 83,553.53 113,265.45 , 134,469.42 157,096.56 181,534.68 200,190.20 212,326.76 225,078.73 241,264.79 254,098.51 272,238.70 285,402.93 314,988.33 348,854.76 365,647.74 398,167.28 475,117.25

11.86 1.06 2.12 2.53 6.25 4.46 4.76 5.14 3.93 2.55 2.68 3.41 2.70 3.82 2.77 6.23 7.13 3.53 6.84 16.20

11.86 12.93 15.05 17.59 23.84 28.30 33.06 38.21 42.13 44.69 47.37 50.78 53.48 57.30 60.07 66.30 73.42 76.96 83.80 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 496 118 275 81 210 86 125 123 126 83 46 109 89 88 55 168 266 183 549 607 3,883

496 614 889 970 1,180 , 1,266 1,391 1,514 1,640 1,723 1,769 1,878 1,967 2,055 2,110 2,278 2,544 2,727 3,276 3,883

12.77 3.04 7.08 2.09 5.41 2.21 3.22 3.17 3.24 2.14 1.18 2.81 2.29 2.27 1.42 4.33 6.85 4.71 14.14 15.63

12.77 15.81 22.89 24.98 30.39 32.60 35.82 38.99 42.24 44.37 45.56 48.36 50.66 52.92 54.34 58.67 65.52 70.23 84.37 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 50,265.34 2,142.61 5,365.30 2,582.30 5,028.46 , 3,057.14 28,025.51 5,483.29 6,238.95 6,861.36 1,588.97 6,868.37 863.43 6,995.88 3,079.43 32,146.39 10,175.61 22,965.58 121,510.94 353,827.54 675,072.41

50,265.34 52,407.95 57,773.25 60,355.55 65,384.01 , 68,441.15 96,466.66 101,949.95 108,188.91 115,050.27 116,639.24 123,507.61 124,371.04 131,366.92 134,446.35 166,592.74 176,768.35 199,733.93 321,244.87 675,072.41

7.45 0.32 0.79 0.38 0.74 0.45 4.15 0.81 0.92 1.02 0.24 1.02 0.13 1.04 0.46 4.76 1.51 3.40 18.00 52.41

7.45 7.76 8.56 8.94 9.69 10.14 14.29 15.10 16.03 17.04 17.28 18.30 18.42 19.46 19.92 24.68 26.19 29.59 47.59 100.00

LOSS RATIO PERCENTAGE BAND CUM. 89.18 42.39 53.15 21.45 16.92 14.42 123.86 22.44 33.44 56.53 12.46 42.43 6.73 38.57 23.39 108.66 30.05 136.76 373.66 459.82

89.18 85.33 80.79 72.24 57.73 50.90 61.41 56.16 54.04 54.19 51.82 51.19 48.95 48.25 47.11 52.89 50.67 54.62 80.68 142.09

142.09

Page 79 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 10 - JAWA BARAT

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 31,188 28,147 29,642 17,425 18,028 , 9,938 6,284 5,333 2,940 1,762 1,365 1,835 1,277 1,861 1,240 2,373 2,072 1,060 1,510 477 165,757

31,188 59,335 88,977 106,402 124,430 , 134,368 140,652 145,985 148,925 150,687 152,052 153,887 155,164 157,025 158,265 160,638 162,710 163,770 165,280 165,757

18.82 16.98 17.88 10.51 10.88 6.00 3.79 3.22 1.77 1.06 0.82 1.11 0.77 1.12 0.75 1.43 1.25 0.64 0.91 0.29

18.82 35.80 53.68 64.19 75.07 81.06 84.85 88.07 89.85 90.91 91.73 92.84 93.61 94.73 95.48 96.91 98.16 98.80 99.71 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 19,983.60 6,550.91 11,043.42 10,038.35 15,097.40 , 12,035.21 10,731.87 11,613.40 8,245.62 6,209.23 5,632.09 8,394.71 7,045.15 12,432.32 10,322.78 25,209.60 30,629.13 19,340.45 24,262.26 23,190.66 278,008.17

19,983.60 26,534.51 37,577.93 47,616.29 62,713.69 , 74,748.90 85,480.77 97,094.17 105,339.79 111,549.02 117,181.11 125,575.82 132,620.97 145,053.29 155,376.07 180,585.67 211,214.80 230,555.25 254,817.51 278,008.17

7.19 2.36 3.97 3.61 5.43 4.33 3.86 4.18 2.97 2.23 2.03 3.02 2.53 4.47 3.71 9.07 11.02 6.96 8.73 8.34

7.19 9.54 13.52 17.13 22.56 26.89 30.75 34.92 37.89 40.12 42.15 45.17 47.70 52.18 55.89 64.96 75.97 82.93 91.66 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 331 22 99 95 111 115 68 95 39 45 37 50 47 76 40 186 222 203 280 354 2,515

331 353 452 547 658 773 841 936 975 1,020 1,057 1,107 1,154 1,230 1,270 1,456 1,678 1,881 2,161 2,515

13.16 0.87 3.94 3.78 4.41 4.57 2.70 3.78 1.55 1.79 1.47 1.99 1.87 3.02 1.59 7.40 8.83 8.07 11.13 14.08

13.16 14.04 17.97 21.75 26.16 30.74 33.44 37.22 38.77 40.56 42.03 44.02 45.88 48.91 50.50 57.89 66.72 74.79 85.92 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 101,377.98 155.18 7,724.15 2,121.31 3,113.77 , 1,714.62 4,828.31 5,828.04 2,908.25 2,524.33 1,307.18 2,847.98 7,439.14 1,253.80 1,183.23 34,368.80 94,916.96 35,645.70 23,363.02 114,472.48 449,094.24

101,377.98 101,533.17 109,257.32 111,378.64 114,492.41 , 116,207.03 121,035.34 126,863.38 129,771.63 132,295.96 133,603.14 136,451.11 143,890.25 145,144.05 146,327.27 180,696.08 275,613.04 311,258.74 334,621.76 449,094.24

22.57 0.03 1.72 0.47 0.69 0.38 1.08 1.30 0.65 0.56 0.29 0.63 1.66 0.28 0.26 7.65 21.14 7.94 5.20 25.49

22.57 22.61 24.33 24.80 25.49 25.88 26.95 28.25 28.90 29.46 29.75 30.38 32.04 32.32 32.58 40.24 61.37 69.31 74.51 100.00

LOSS RATIO PERCENTAGE BAND CUM. 507.31 2.37 69.94 21.13 20.62 14.25 44.99 50.18 35.27 40.65 23.21 33.93 105.59 10.08 11.46 136.33 309.89 184.31 96.29 493.61

507.31 382.65 290.75 233.91 182.56 155.46 141.59 130.66 123.19 118.60 114.01 108.66 108.50 100.06 94.18 100.06 130.49 135.00 131.32 161.54

161.54

Page 80 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 11 - JAWA TENGAH

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 21,831 15,999 14,651 7,224 7,589 , 4,419 3,070 2,594 1,512 923 719 939 550 749 459 854 716 354 328 179 85,659

21,831 37,830 52,481 59,705 67,294 , 71,713 74,783 77,377 78,889 79,812 80,531 81,470 82,020 82,769 83,228 84,082 84,798 85,152 85,480 85,659

25.49 18.68 17.10 8.43 8.86 5.16 3.58 3.03 1.77 1.08 0.84 1.10 0.64 0.87 0.54 1.00 0.84 0.41 0.38 0.21

25.49 44.16 61.27 69.70 78.56 83.72 87.30 90.33 92.10 93.17 94.01 95.11 95.75 96.63 97.16 98.16 98.99 99.41 99.79 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 7,148.32 2,043.96 4,774.88 4,179.87 6,968.63 , 6,687.23 5,132.95 6,278.16 4,301.43 3,300.55 3,036.13 4,608.46 3,525.47 5,706.47 4,301.45 10,594.06 9,614.82 5,686.65 4,624.13 1,753.59 104,267.21

7,148.32 9,192.28 13,967.17 18,147.04 25,115.67 , 31,802.91 36,935.86 43,214.01 47,515.44 50,815.99 53,852.12 58,460.58 61,986.05 67,692.51 71,993.96 82,588.02 92,202.84 97,889.48 102,513.62 104,267.21

6.86 1.96 4.58 4.01 6.68 6.41 4.92 6.02 4.13 3.17 2.91 4.42 3.38 5.47 4.13 10.16 9.22 5.45 4.43 1.68

6.86 8.82 13.40 17.40 24.09 30.50 35.42 41.45 45.57 48.74 51.65 56.07 59.45 64.92 69.05 79.21 88.43 93.88 98.32 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 145 23 36 26 50 38 47 70 25 24 23 28 46 46 49 83 179 155 221 42 1,356

145 168 204 230 280 318 365 435 460 484 507 535 581 627 676 759 938 1,093 1,314 1,356

10.69 1.70 2.65 1.92 3.69 2.80 3.47 5.16 1.84 1.77 1.70 2.06 3.39 3.39 3.61 6.12 13.20 11.43 16.30 3.10

10.69 12.39 15.04 16.96 20.65 23.45 26.92 32.08 33.92 35.69 37.39 39.45 42.85 46.24 49.85 55.97 69.17 80.60 96.90 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 3,997.54 688.27 626.37 206.81 914.48 252.13 789.18 4,022.68 796.52 296.48 1,288.13 2,650.43 4,610.22 8,459.21 9,213.40 23,387.48 30,289.07 1,653.10 4,521.50 7,593.34 106,256.33

3,997.54 4,685.82 5,312.19 5,518.99 6,433.47 , 6,685.60 7,474.78 11,497.46 12,293.98 12,590.45 13,878.58 16,529.02 21,139.24 29,598.45 38,811.85 62,199.33 92,488.40 94,141.49 98,663.00 106,256.33

3.76 0.65 0.59 0.19 0.86 0.24 0.74 3.79 0.75 0.28 1.21 2.49 4.34 7.96 8.67 22.01 28.51 1.56 4.26 7.15

3.76 4.41 5.00 5.19 6.05 6.29 7.03 10.82 11.57 11.85 13.06 15.56 19.89 27.86 36.53 58.54 87.04 88.60 92.85 100.00

LOSS RATIO PERCENTAGE BAND CUM. 55.92 33.67 13.12 4.95 13.12 3.77 15.37 64.07 18.52 8.98 42.43 57.51 130.77 148.24 214.19 220.76 315.02 29.07 97.78 433.02

55.92 50.98 38.03 30.41 25.62 21.02 20.24 26.61 25.87 24.78 25.77 28.27 34.10 43.72 53.91 75.31 100.31 96.17 96.24 101.91

101.91

Page 81 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 12 - DAERAH ISTIMEWA YOGYAKARTA

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,159 1,889 1,998 1,206 1,200 717 565 375 229 162 116 106 79 109 65 112 94 31 17 8 11,237

2,159 4,048 6,046 7,252 8,452 , 9,169 9,734 10,109 10,338 10,500 10,616 10,722 10,801 10,910 10,975 11,087 11,181 11,212 11,229 11,237

19.21 16.81 17.78 10.73 10.68 6.38 5.03 3.34 2.04 1.44 1.03 0.94 0.70 0.97 0.58 1.00 0.84 0.28 0.15 0.07

19.21 36.02 53.80 64.54 75.22 81.60 86.62 89.96 92.00 93.44 94.47 95.42 96.12 97.09 97.67 98.67 99.50 99.78 99.93 100.00

PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 673.37 258.53 568.33 553.29 898.75 785.92 1,312.21 714.72 527.60 529.00 389.43 505.36 379.13 678.59 469.54 1,034.99 1,914.65 551.15 368.31 92.49 13,205.35

673.37 931.90 1,500.23 2,053.52 2,952.27 , 3,738.19 5,050.41 5,765.12 6,292.73 6,821.73 7,211.15 7,716.51 8,095.64 8,774.22 9,243.76 10,278.75 12,193.40 12,744.55 13,112.86 13,205.35

5.10 1.96 4.30 4.19 6.81 5.95 9.94 5.41 4.00 4.01 2.95 3.83 2.87 5.14 3.56 7.84 14.50 4.17 2.79 0.70

5.10 7.06 11.36 15.55 22.36 28.31 38.25 43.66 47.65 51.66 54.61 58.43 61.31 66.44 70.00 77.84 92.34 96.51 99.30 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 12 0 4 2 8 12 15 15 0 0 4 0 0 3 0 2 2 3 5 4 91

12 12 16 18 26 38 53 68 68 68 72 72 72 75 75 77 79 82 87 91

13.19 0.00 4.40 2.20 8.79 13.19 16.48 16.48 0.00 0.00 4.40 0.00 0.00 3.30 0.00 2.20 2.20 3.30 5.49 4.40

13.19 13.19 17.58 19.78 28.57 41.76 58.24 74.73 74.73 74.73 79.12 79.12 79.12 82.42 82.42 84.62 86.81 90.11 95.60 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 279.71 0.00 60.49 2.15 17.76 86.00 187.93 1,624.26 0.00 0.00 3.26 0.00 0.00 677.35 0.00 335.11 74.23 843.33 127.96 0.74 4,320.27

279.71 279.71 340.20 342.35 360.11 446.11 634.04 2,258.30 2,258.30 2,258.30 2,261.56 2,261.56 2,261.56 2,938.90 2,938.90 3,274.01 3,348.24 4,191.57 4,319.53 4,320.27

6.47 0.00 1.40 0.05 0.41 1.99 4.35 37.60 0.00 0.00 0.08 0.00 0.00 15.68 0.00 7.76 1.72 19.52 2.96 0.02

6.47 6.47 7.87 7.92 8.34 10.33 14.68 52.27 52.27 52.27 52.35 52.35 52.35 68.03 68.03 75.78 77.50 97.02 99.98 100.00

LOSS RATIO PERCENTAGE BAND CUM. 41.54 0.00 10.64 0.39 1.98 10.94 14.32 227.26 0.00 0.00 0.84 0.00 0.00 99.82 0.00 32.38 3.88 153.01 34.74 0.80

41.54 30.02 22.68 16.67 12.20 11.93 12.55 39.17 35.89 33.10 31.36 29.31 27.94 33.49 31.79 31.85 27.46 32.89 32.94 32.72

32.72

Page 82 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 13 - JAWA TIMUR

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 18,177 16,370 18,489 11,088 12,916 , 7,980 5,636 4,986 3,047 1,743 1,357 1,562 1,143 1,511 937 1,683 1,530 618 732 309 111,81

18,177 34,547 53,036 64,124 77,040 , 85,020 90,656 95,642 98,689 100,43 101,78 103,35 104,49 106,00 106,94 108,62 110,15 110,77 111,50 111,81

16.26 14.64 16.54 9.92 11.55 7.14 5.04 4.46 2.73 1.56 1.21 1.40 1.02 1.35 0.84 1.51 1.37 0.55 0.65 0.28

16.26 30.90 47.43 57.35 68.90 76.04 81.08 85.54 88.26 89.82 91.03 92.43 93.45 94.80 95.64 97.15 98.52 99.07 99.72 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 12,516.65 3,245.47 5,997.36 6,077.04 10,413.66 , 8,924.02 8,774.66 12,299.17 8,247.56 5,539.23 6,398.54 8,134.12 6,303.53 10,967.13 8,440.33 21,479.77 21,413.29 10,017.64 8,523.85 4,841.45 188,554.48

12,516.65 15,762.12 21,759.48 27,836.52 38,250.18 , 47,174.20 55,948.86 68,248.04 76,495.60 82,034.82 88,433.37 96,567.49 102,871.02 113,838.15 122,278.49 143,758.26 165,171.55 175,189.18 183,713.03 188,554.48

6.64 1.72 3.18 3.22 5.52 4.73 4.65 6.52 4.37 2.94 3.39 4.31 3.34 5.82 4.48 11.39 11.36 5.31 4.52 2.57

6.64 8.36 11.54 14.76 20.29 25.02 29.67 36.20 40.57 43.51 46.90 51.21 54.56 60.37 64.85 76.24 87.60 92.91 97.43 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 204 32 19 22 65 44 36 54 34 34 58 39 69 61 48 141 190 121 207 53 1,531

204 236 255 277 342 386 422 476 510 544 602 641 710 771 819 960 1,150 1,271 1,478 1,531

13.32 2.09 1.24 1.44 4.25 2.87 2.35 3.53 2.22 2.22 3.79 2.55 4.51 3.98 3.14 9.21 12.41 7.90 13.52 3.46

13.32 15.41 16.66 18.09 22.34 25.21 27.56 31.09 33.31 35.53 39.32 41.87 46.37 50.36 53.49 62.70 75.11 83.02 96.54 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 26,504.30 1,855.15 199.20 333.53 1,475.38 , 2,424.67 2,016.13 4,804.37 5,367.90 3,584.19 5,783.68 5,499.38 13,337.00 21,642.30 2,015.20 30,795.69 53,900.78 10,217.29 9,562.09 8,380.08 209,698.28

26,504.30 28,359.45 28,558.65 28,892.18 30,367.56 , 32,792.23 34,808.35 39,612.72 44,980.62 48,564.81 54,348.49 59,847.87 73,184.87 94,827.17 96,842.37 127,638.06 181,538.83 191,756.12 201,318.20 209,698.28

12.64 0.88 0.09 0.16 0.70 1.16 0.96 2.29 2.56 1.71 2.76 2.62 6.36 10.32 0.96 14.69 25.70 4.87 4.56 4.00

12.64 13.52 13.62 13.78 14.48 15.64 16.60 18.89 21.45 23.16 25.92 28.54 34.90 45.22 46.18 60.87 86.57 91.44 96.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 211.75 57.16 3.32 5.49 14.17 27.17 22.98 39.06 65.08 64.71 90.39 67.61 211.58 197.34 23.88 143.37 251.72 101.99 112.18 173.09

211.75 179.92 131.25 103.79 79.39 69.51 62.21 58.04 58.80 59.20 61.46 61.98 71.14 83.30 79.20 88.79 109.91 109.46 109.58 111.21

111.21

Page 83 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 14 - KALIMANTAN BARAT

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 5,310 8,124 8,065 2,832 2,306 835 550 368 188 123 93 96 56 80 33 92 69 46 37 4 29,307

5,310 13,434 21,499 24,331 26,637 , 27,472 28,022 28,390 28,578 28,701 28,794 28,890 28,946 29,026 29,059 29,151 29,220 29,266 29,303 29,307

18.12 27.72 27.52 9.66 7.87 2.85 1.88 1.26 0.64 0.42 0.32 0.33 0.19 0.27 0.11 0.31 0.24 0.16 0.13 0.01

18.12 45.84 73.36 83.02 90.89 93.74 95.62 96.87 97.51 97.93 98.25 98.58 98.77 99.04 99.15 99.47 99.70 99.86 99.99 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,943.16 4,033.81 7,955.33 4,514.09 5,293.66 , 2,609.11 2,109.33 1,596.66 985.35 628.68 709.83 794.31 468.84 895.13 379.21 2,190.28 1,046.38 238.87 1,286.89 57.15 40,736.08

2,943.16 6,976.97 14,932.30 19,446.39 24,740.05 , 27,349.16 29,458.49 31,055.15 32,040.51 32,669.18 33,379.01 34,173.32 34,642.16 35,537.29 35,916.50 38,106.78 39,153.17 39,392.03 40,678.93 40,736.08

7.22 9.90 19.53 11.08 13.00 6.40 5.18 3.92 2.42 1.54 1.74 1.95 1.15 2.20 0.93 5.38 2.57 0.59 3.16 0.14

7.22 17.13 36.66 47.74 60.73 67.14 72.32 76.24 78.65 80.20 81.94 83.89 85.04 87.24 88.17 93.55 96.11 96.70 99.86 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 19 35 54 21 16 13 6 4 4 3 0 5 0 0 0 0 7 0 4 0 191

19 54 108 129 145 158 164 168 172 175 175 180 180 180 180 180 187 187 191 191

9.95 18.32 28.27 10.99 8.38 6.81 3.14 2.09 2.09 1.57 0.00 2.62 0.00 0.00 0.00 0.00 3.66 0.00 2.09 0.00

9.95 28.27 56.54 67.54 75.92 82.72 85.86 87.96 90.05 91.62 91.62 94.24 94.24 94.24 94.24 94.24 97.91 97.91 100.00 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 314.80 1,988.19 2,989.71 1,763.38 1,686.36 , 2,200.48 847.16 1,371.86 1,463.39 1,899.39 0.00 4,243.82 0.00 0.00 0.00 0.00 149.17 0.00 4.27 0.00 20,921.98

314.80 2,302.99 5,292.70 7,056.09 8,742.44 , 10,942.93 11,790.09 13,161.95 14,625.34 16,524.72 16,524.72 20,768.54 20,768.54 20,768.54 20,768.54 20,768.54 20,917.71 20,917.71 20,921.98 20,921.98

1.50 9.50 14.29 8.43 8.06 10.52 4.05 6.56 6.99 9.08 0.00 20.28 0.00 0.00 0.00 0.00 0.71 0.00 0.02 0.00

1.50 11.01 25.30 33.73 41.79 52.30 56.35 62.91 69.90 78.98 78.98 99.27 99.27 99.27 99.27 99.27 99.98 99.98 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 10.70 49.29 37.58 39.06 31.86 84.34 40.16 85.92 148.51 302.12 0.00 534.28 0.00 0.00 0.00 0.00 14.26 0.00 0.33 0.00

10.70 33.01 35.44 36.28 35.34 40.01 40.02 42.38 45.65 50.58 49.51 60.77 59.95 58.44 57.82 54.50 53.43 53.10 51.43 51.36

51.36

Page 84 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 15 - KALIMANTAN TENGAH

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,728 1,891 1,506 702 771 331 204 173 95 46 34 36 22 28 14 43 31 30 21 12 7,718

1,728 3,619 5,125 5,827 6,598 , 6,929 7,133 7,306 7,401 7,447 7,481 7,517 7,539 7,567 7,581 7,624 7,655 7,685 7,706 7,718

22.39 24.50 19.51 9.10 9.99 4.29 2.64 2.24 1.23 0.60 0.44 0.47 0.29 0.36 0.18 0.56 0.40 0.39 0.27 0.16

22.39 46.89 66.40 75.50 85.49 89.78 92.42 94.66 95.89 96.49 96.93 97.40 97.68 98.04 98.22 98.78 99.18 99.57 99.84 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 592.68 667.67 1,052.48 738.27 1,291.80 816.02 613.90 729.01 502.88 243.60 173.11 255.77 148.94 397.58 227.96 758.01 711.41 642.34 512.79 102.10 11,178.32

592.68 1,260.35 2,312.83 3,051.10 4,342.90 , 5,158.92 5,772.82 6,501.83 7,004.71 7,248.31 7,421.42 7,677.18 7,826.13 8,223.70 8,451.67 9,209.67 9,921.09 10,563.43 11,076.22 11,178.32

5.30 5.97 9.42 6.60 11.56 7.30 5.49 6.52 4.50 2.18 1.55 2.29 1.33 3.56 2.04 6.78 6.36 5.75 4.59 0.91

5.30 11.27 20.69 27.29 38.85 46.15 51.64 58.16 62.66 64.84 66.39 68.68 70.01 73.57 75.61 82.39 88.75 94.50 99.09 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 52 2 2 2 1 2 1 2 7 0 0 0 0 0 9 10 28 17 13 15 163

52 54 56 58 59 61 62 64 71 71 71 71 71 71 80 90 118 135 148 163

31.90 1.23 1.23 1.23 0.61 1.23 0.61 1.23 4.29 0.00 0.00 0.00 0.00 0.00 5.52 6.13 17.18 10.43 7.98 9.20

31.90 33.13 34.36 35.58 36.20 37.42 38.04 39.26 43.56 43.56 43.56 43.56 43.56 43.56 49.08 55.21 72.39 82.82 90.80 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 542.93 85.00 60.85 103.23 0.00 36.00 0.00 3.82 110.98 0.00 0.00 0.00 0.00 0.00 186.61 342.52 358.81 1,289.60 48.59 10,023.25 13,192.19

542.93 627.93 688.78 792.00 792.00 828.00 828.00 831.82 942.80 942.80 942.80 942.80 942.80 942.80 1,129.41 1,471.93 1,830.75 3,120.35 3,168.94 13,192.19

4.12 0.64 0.46 0.78 0.00 0.27 0.00 0.03 0.84 0.00 0.00 0.00 0.00 0.00 1.41 2.60 2.72 9.78 0.37 75.98

LOSS RATIO PERCENTAGE BAND CUM.

4.12 91.60 4.76 12.73 5.22 5.78 6.00 13.98 6.00 0.00 6.28 4.41 6.28 0.00 6.31 0.52 7.15 22.07 7.15 0.00 7.15 0.00 7.15 0.00 7.15 0.00 7.15 0.00 8.56 81.86 11.16 45.19 13.88 50.44 23.65 200.76 24.02 9.48 100.00 9,817.11

91.60 49.82 29.78 25.96 18.24 16.05 14.34 12.79 13.46 13.01 12.70 12.28 12.05 11.46 13.36 15.98 18.45 29.54 28.61 118.02

118.02

Page 85 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 16 - KALIMANTAN SELATAN

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,703 2,782 3,295 1,658 1 565 1,565 864 479 426 208 149 98 131 64 97 74 102 63 66 62 30 14,916

2,703 5,485 8,780 10,438 12 003 12,003 12,867 13,346 13,772 13,980 14,129 14,227 14,358 14,422 14,519 14,593 14,695 14,758 14,824 14,886 14,916

18.12 18.65 22.09 11.12 10 49 10.49 5.79 3.21 2.86 1.39 1.00 0.66 0.88 0.43 0.65 0.50 0.68 0.42 0.44 0.42 0.20

18.12 36.77 58.86 69.98 80 47 80.47 86.26 89.47 92.33 93.72 94.72 95.38 96.26 96.69 97.34 97.83 98.52 98.94 99.38 99.80 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,136.75 783.48 1,438.85 1,100.47 1 782 87 1,782.87 1,401.59 1,065.02 1,167.89 834.06 750.01 458.49 733.99 438.05 1,261.99 563.77 1,599.34 1,160.31 601.15 940.23 416.60 19,634.90

1,136.75 1,920.23 3,359.09 4,459.55 6 242 42 6,242.42 7,644.01 8,709.03 9,876.92 10,710.98 11,460.99 11,919.48 12,653.47 13,091.52 14,353.51 14,917.27 16,516.61 17,676.92 18,278.07 19,218.30 19,634.90

5.79 3.99 7.33 5.60 9 08 9.08 7.14 5.42 5.95 4.25 3.82 2.34 3.74 2.23 6.43 2.87 8.15 5.91 3.06 4.79 2.12

5.79 9.78 17.11 22.71 31 79 31.79 38.93 44.35 50.30 54.55 58.37 60.71 64.44 66.67 73.10 75.97 84.12 90.03 93.09 97.88 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 14 20 10 0 9 3 2 2 0 0 6 0 2 0 6 0 4 10 21 0

109

14 34 44 44 53 56 58 60 60 60 66 66 68 68 74 74 78 88 109 109

12.84 18.35 9.17 0.00 8 26 8.26 2.75 1.83 1.83 0.00 0.00 5.50 0.00 1.83 0.00 5.50 0.00 3.67 9.17 19.27 0.00

12.84 31.19 40.37 40.37 48 62 48.62 51.38 53.21 55.05 55.05 55.05 60.55 60.55 62.39 62.39 67.89 67.89 71.56 80.73 100.00 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 281.43 320.00 584.48 0.00 431 71 431.71 199.90 (10.00) 29.10 0.00 0.00 4.05 0.00 4,636.60 0.00 131.38 0.00 201.72 399.76 1,620.62 0.00 8,830.76

281.43 601.43 1,185.91 1,185.91 1 617 62 1,617.62 1,817.52 1,807.52 1,836.62 1,836.62 1,836.62 1,840.67 1,840.67 6,477.27 6,477.27 6,608.66 6,608.66 6,810.38 7,210.14 8,830.76 8,830.76

3.19 3.62 6.62 0.00 4 89 4.89 2.26 (0.11) 0.33 0.00 0.00 0.05 0.00 52.51 0.00 1.49 0.00 2.28 4.53 18.35 0.00

3.19 6.81 13.43 13.43 18 32 18.32 20.58 20.47 20.80 20.80 20.80 20.84 20.84 73.35 73.35 74.84 74.84 77.12 81.65 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 24.76 40.84 40.62 0.00 24 21 24.21 14.26 (0.94) 2.49 0.00 0.00 0.88 0.00 1,058.46 0.00 23.30 0.00 17.39 66.50 172.36 0.00

24.76 31.32 35.30 26.59 25 91 25.91 23.78 20.75 18.60 17.15 16.02 15.44 14.55 49.48 45.13 44.30 40.01 38.53 39.45 45.95 44.97

44.97

Page 86 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 17 - KALIMANTAN TIMUR

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,958 3,111 4,464 2,925 3,447 , 1,742 1,284 942 514 226 193 221 137 197 103 168 140 65 76 61 22,974

2,958 6,069 10,533 13,458 16,905 , 18,647 19,931 20,873 21,387 21,613 21,806 22,027 22,164 22,361 22,464 22,632 22,772 22,837 22,913 22,974

12.88 13.54 19.43 12.73 15.00 7.58 5.59 4.10 2.24 0.98 0.84 0.96 0.60 0.86 0.45 0.73 0.61 0.28 0.33 0.27

12.88 26.42 45.85 58.58 73.58 81.17 86.75 90.85 93.09 94.08 94.92 95.88 96.47 97.33 97.78 98.51 99.12 99.40 99.73 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 31,677.38 1,194.19 2,395.92 2,593.47 4,363.95 , 3,800.02 4,098.44 3,586.26 2,799.29 1,114.17 1,213.16 1,667.05 1,303.31 1,812.08 1,155.85 3,523.06 3,108.76 1,929.19 4,641.83 14,559.51 92,536.88

31,677.38 32,871.58 35,267.50 37,860.97 42,224.92 , 46,024.93 50,123.37 53,709.63 56,508.92 57,623.09 58,836.25 60,503.31 61,806.62 63,618.70 64,774.54 68,297.60 71,406.36 73,335.55 77,977.38 92,536.88

34.23 1.29 2.59 2.80 4.72 4.11 4.43 3.88 3.03 1.20 1.31 1.80 1.41 1.96 1.25 3.81 3.36 2.08 5.02 15.73

34.23 35.52 38.11 40.91 45.63 49.74 54.17 58.04 61.07 62.27 63.58 65.38 66.79 68.75 70.00 73.81 77.17 79.25 84.27 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 33 9 16 14 12 25 12 6 13 2 0 0 2 2 4 14 24 0 33 14 235

33 42 58 72 84 109 121 127 140 142 142 142 144 146 150 164 188 188 221 235

14.04 3.83 6.81 5.96 5.11 10.64 5.11 2.55 5.53 0.85 0.00 0.00 0.85 0.85 1.70 5.96 10.21 0.00 14.04 5.96

14.04 17.87 24.68 30.64 35.74 46.38 51.49 54.04 59.57 60.43 60.43 60.43 61.28 62.13 63.83 69.79 80.00 80.00 94.04 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) 5 rp RP BAND CUM. 766.59 62.00 517.51 571.97 253.93 , 1,970.34 239.59 282.90 187.16 12.03 0.00 0.00 250.06 1.01 34.19 35.82 357.37 0.00 1,095.33 1,512.97 8,150.76

766.59 828.59 1,346.11 1,918.07 2,172.00 , 4,142.34 4,381.93 4,664.82 4,851.99 4,864.01 4,864.01 4,864.01 5,114.07 5,115.08 5,149.27 5,185.09 5,542.46 5,542.46 6,637.80 8,150.76

9.41 0.76 6.35 7.02 3.12 24.17 2.94 3.47 2.30 0.15 0.00 0.00 3.07 0.01 0.42 0.44 4.38 0.00 13.44 18.56

9.41 10.17 16.52 23.53 26.65 50.82 53.76 57.23 59.53 59.68 59.68 59.68 62.74 62.76 63.18 63.61 68.00 68.00 81.44 100.00

LOSS RATIO PERCENTAGE BAND CUM. 2.42 5.19 21.60 22.05 5.82 51.85 5.85 7.89 6.69 1.08 0.00 0.00 19.19 0.06 2.96 1.02 11.50 0.00 23.60 10.39

2.42 2.52 3.82 5.07 5.14 9.00 8.74 8.69 8.59 8.44 8.27 8.04 8.27 8.04 7.95 7.59 7.76 7.56 8.51 8.81

8.81

Page 87 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 18 - SULAWESI UTARA

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,378 1,561 2,312 1,340 1,468 862 651 604 311 165 121 159 72 137 85 70 59 21 32 7 11,415

1,378 2,939 5,251 6,591 8,059 , 8,921 9,572 10,176 10,487 10,652 10,773 10,932 11,004 11,141 11,226 11,296 11,355 11,376 11,408 11,415

12.07 13.67 20.25 11.74 12.86 7.55 5.70 5.29 2.72 1.45 1.06 1.39 0.63 1.20 0.74 0.61 0.52 0.18 0.28 0.06

12.07 25.75 46.00 57.74 70.60 78.15 83.85 89.15 91.87 93.32 94.38 95.77 96.40 97.60 98.34 98.96 99.47 99.66 99.94 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 11,225.76 373.11 898.69 805.64 1,442.62 , 1,249.12 1,369.67 1,880.40 1,423.51 842.19 659.87 928.24 506.23 1,168.00 833.22 806.47 897.59 167.38 151.39 84.61 27,713.72

11,225.76 11,598.87 12,497.56 13,303.20 14,745.82 , 15,994.94 17,364.61 19,245.01 20,668.52 21,510.72 22,170.59 23,098.83 23,605.06 24,773.05 25,606.27 26,412.75 27,310.34 27,477.72 27,629.11 27,713.72

40.51 1.35 3.24 2.91 5.21 4.51 4.94 6.79 5.14 3.04 2.38 3.35 1.83 4.21 3.01 2.91 3.24 0.60 0.55 0.31

40.51 41.85 45.10 48.00 53.21 57.71 62.66 69.44 74.58 77.62 80.00 83.35 85.17 89.39 92.40 95.31 98.54 99.15 99.69 100.00

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

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

12.35 2.47 7.41 4.94 11.11 4.94 9.88 4.94 0.00 2.47 2.47 6.17 3.70 0.00 2.47 7.41 7.41 9.88 0.00 0.00

12.35 14.81 22.22 27.16 38.27 43.21 53.09 58.02 58.02 60.49 62.96 69.14 72.84 72.84 75.31 82.72 90.12 100.00 100.00 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,608.49 53.80 134.33 323.70 761.68 166.87 1.40 743.08 0.00 191.63 761.79 83.86 167.60 0.00 1,291.02 1,658.10 72.34 472.39 0.00 0.00 8,492.07

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

18.94 0.63 1.58 3.81 8.97 1.96 0.02 8.75 0.00 2.26 8.97 0.99 1.97 0.00 15.20 19.53 0.85 5.56 0.00 0.00

18.94 19.57 21.16 24.97 33.94 35.90 35.92 44.67 44.67 46.93 55.90 56.88 58.86 58.86 74.06 93.59 94.44 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 14.33 14.42 14.95 40.18 52.80 13.36 0.10 39.52 0.00 22.75 115.45 9.03 33.11 0.00 154.94 205.60 8.06 282.23 0.00 0.00

14.33 14.33 14.38 15.94 19.54 19.06 17.57 19.71 18.35 18.53 21.41 20.91 21.17 20.18 24.56 30.09 29.37 30.91 30.74 30.64

30.64

Page 88 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 19 - SULAWESI TENGAH

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,495 1,038 1,175 724 773 413 269 280 141 77 61 64 33 58 36 31 35 14 13 2 6,732

1,495 2,533 3,708 4,432 5,205 , 5,618 5,887 6,167 6,308 6,385 6,446 6,510 6,543 6,601 6,637 6,668 6,703 6,717 6,730 6,732

22.21 15.42 17.45 10.75 11.48 6.13 4.00 4.16 2.09 1.14 0.91 0.95 0.49 0.86 0.53 0.46 0.52 0.21 0.19 0.03

22.21 37.63 55.08 65.83 77.32 83.45 87.45 91.61 93.70 94.85 95.75 96.70 97.19 98.05 98.59 99.05 99.57 99.78 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 303.78 344.67 645.69 664.90 1,170.43 969.88 904.70 1,249.95 942.56 449.75 368.25 465.65 393.86 519.72 427.98 901.54 338.00 168.05 118.94 9.30 11,357.58

303.78 648.45 1,294.14 1,959.04 3,129.47 , 4,099.35 5,004.05 6,253.99 7,196.55 7,646.30 8,014.55 8,480.21 8,874.07 9,393.78 9,821.76 10,723.30 11,061.30 11,229.35 11,348.28 11,357.58

2.67 3.03 5.69 5.85 10.31 8.54 7.97 11.01 8.30 3.96 3.24 4.10 3.47 4.58 3.77 7.94 2.98 1.48 1.05 0.08

2.67 5.71 11.39 17.25 27.55 36.09 44.06 55.06 63.36 67.32 70.57 74.67 78.13 82.71 86.48 94.42 97.39 98.87 99.92 100.00

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

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

0.00 0.00 0.00 35.71 14.29 0.00 0.00 0.00 0.00 0.00 0.00 28.57 0.00 0.00 0.00 0.00 0.00 0.00 21.43 0.00

0.00 0.00 0.00 35.71 50.00 50.00 50.00 50.00 50.00 50.00 50.00 78.57 78.57 78.57 78.57 78.57 78.57 78.57 100.00 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 103.16 137.30 0.00 0.00 0.00 0.00 0.00 0.00 74.31 0.00 0.00 0.00 0.00 0.00 0.00 1,058.05 0.00 1,372.82

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

0.00 0.00 0.00 7.51 10.00 0.00 0.00 0.00 0.00 0.00 0.00 5.41 0.00 0.00 0.00 0.00 0.00 0.00 77.07 0.00

0.00 0.00 0.00 7.51 17.52 17.52 17.52 17.52 17.52 17.52 17.52 22.93 22.93 22.93 22.93 22.93 22.93 22.93 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 15.52 11.73 0.00 0.00 0.00 0.00 0.00 0.00 15.96 0.00 0.00 0.00 0.00 0.00 0.00 889.60 0.00

0.00 0.00 0.00 5.27 7.68 5.87 4.81 3.84 3.34 3.14 3.00 3.71 3.55 3.35 3.20 2.94 2.85 2.80 12.10 12.09

12.09

Page 89 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 20 - SULAWESI SELATAN

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

5,034 5,581 6,274 3,490 3,438 1,775 1,059 933 471 292 226 238 178 209 147 162 123 58 68 22 29,778

5,034 10,615 16,889 20,379 23,817 25,592 26,651 27,584 28,055 28,347 28,573 28,811 28,989 29,198 29,345 29,507 29,630 29,688 29,756 29,778

16.91 18.74 21.07 11.72 11.55 5.96 3.56 3.13 1.58 0.98 0.76 0.80 0.60 0.70 0.49 0.54 0.41 0.19 0.23 0.07

16.91 35.65 56.72 68.44 79.98 85.94 89.50 92.63 94.21 95.19 95.95 96.75 97.35 98.05 98.55 99.09 99.50 99.70 99.93 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,466.37 1,259.23 2,727.40 2,886.49 4,902.68 3,344.59 2,410.72 2,891.29 1,925.01 1,280.98 1,304.17 1,425.62 1,186.13 1,421.07 1,299.21 2,079.29 1,860.25 1,520.37 1,245.30 2,298.65 40,734.81

1,466.37 2,725.60 5,453.00 8,339.49 13,242.17 16,586.76 18,997.48 21,888.77 23,813.78 25,094.76 26,398.93 27,824.55 29,010.67 30,431.74 31,730.95 33,810.24 35,670.49 37,190.86 38,436.16 40,734.81

3.60 3.09 6.70 7.09 12.04 8.21 5.92 7.10 4.73 3.14 3.20 3.50 2.91 3.49 3.19 5.10 4.57 3.73 3.06 5.64

3.60 6.69 13.39 20.47 32.51 40.72 46.64 53.73 58.46 61.61 64.81 68.31 71.22 74.71 77.90 83.00 87.57 91.30 94.36 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 29 11 9 6 7 12 2 8 2 9 4 0 2 3 9 2 4 11 12 11

153

29 40 49 55 62 74 76 84 86 95 99 99 101 104 113 115 119 130 142 153

18.95 7.19 5.88 3.92 4.58 7.84 1.31 5.23 1.31 5.88 2.61 0.00 1.31 1.96 5.88 1.31 2.61 7.19 7.84 7.19

18.95 26.14 32.03 35.95 40.52 48.37 49.67 54.90 56.21 62.09 64.71 64.71 66.01 67.97 73.86 75.16 77.78 84.97 92.81 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2,391.41 168.11 167.03 416.33 250.67 256.99 78.18 56.15 0.91 276.69 70.54 0.00 3,819.54 18.03 2,340.64 100.42 83.42 204.36 1,739.46 1,893.01 14,331.89

2,391.41 2,559.51 2,726.54 3,142.87 3,393.54 3,650.53 3,728.71 3,784.86 3,785.78 4,062.46 4,133.00 4,133.00 7,952.54 7,970.57 10,311.22 10,411.64 10,495.06 10,699.42 12,438.88 14,331.89

16.69 1.17 1.17 2.90 1.75 1.79 0.55 0.39 0.01 1.93 0.49 0.00 26.65 0.13 16.33 0.70 0.58 1.43 12.14 13.21

16.69 17.86 19.02 21.93 23.68 25.47 26.02 26.41 26.42 28.35 28.84 28.84 55.49 55.61 71.95 72.65 73.23 74.65 86.79 100.00

LOSS RATIO PERCENTAGE BAND CUM. 163.08 13.35 6.12 14.42 5.11 7.68 3.24 1.94 0.05 21.60 5.41 0.00 322.02 1.27 180.16 4.83 4.48 13.44 139.68 82.35

163.08 93.91 50.00 37.69 25.63 22.01 19.63 17.29 15.90 16.19 15.66 14.85 27.41 26.19 32.50 30.79 29.42 28.77 32.36 35.18

35.18

Page 90 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 21 - SULAWESI TENGGARA

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 690 825 1,012 583 601 329 216 183 79 37 15 29 32 24 3 22 14 3 1 2 4,700

690 1,515 2,527 3,110 3,711 , 4,040 4,256 4,439 4,518 4,555 4,570 4,599 4,631 4,655 4,658 4,680 4,694 4,697 4,698 4,700

14.68 17.55 21.53 12.40 12.79 7.00 4.60 3.89 1.68 0.79 0.32 0.62 0.68 0.51 0.06 0.47 0.30 0.06 0.02 0.04

14.68 32.23 53.77 66.17 78.96 85.96 90.55 94.45 96.13 96.91 97.23 97.85 98.53 99.04 99.11 99.57 99.87 99.94 99.96 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 159.57 162.30 402.18 472.41 862.56 708.88 603.91 651.82 390.29 162.89 98.14 244.15 169.45 119.46 43.94 143.81 271.97 49.60 1.27 75.10 5,793.71

159.57 321.87 724.05 1,196.46 2,059.02 , 2,767.90 3,371.81 4,023.63 4,413.92 4,576.81 4,674.95 4,919.11 5,088.56 5,208.01 5,251.96 5,395.77 5,667.74 5,717.34 5,718.62 5,793.71

2.75 2.80 6.94 8.15 14.89 12.24 10.42 11.25 6.74 2.81 1.69 4.21 2.92 2.06 0.76 2.48 4.69 0.86 0.02 1.30

2.75 5.56 12.50 20.65 35.54 47.77 58.20 69.45 76.18 79.00 80.69 84.90 87.83 89.89 90.65 93.13 97.83 98.68 98.70 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 4 4 2 2 0 3 0 0 4 0 1 0 0 0 0 0 0 0 0 20

0 4 8 10 12 12 15 15 15 19 19 20 20 20 20 20 20 20 20 20

0.00 20.00 20.00 10.00 10.00 0.00 15.00 0.00 0.00 20.00 0.00 5.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 20.00 40.00 50.00 60.00 60.00 75.00 75.00 75.00 95.00 95.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 153.23 306.60 179.05 8.88 0.00 106.33 0.00 0.00 383.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,137.47

0.00 153.23 459.82 638.88 647.76 647.76 754.09 754.09 754.09 1,137.47 1,137.47 1,137.47 1,137.47 1,137.47 1,137.47 1,137.47 1,137.47 1,137.47 1,137.47 1,137.47

0.00 13.47 26.95 15.74 0.78 0.00 9.35 0.00 0.00 33.70 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 13.47 40.43 56.17 56.95 56.95 66.30 66.30 66.30 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 94.41 76.23 37.90 1.03 0.00 17.61 0.00 0.00 235.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 47.60 63.51 53.40 31.46 23.40 22.36 18.74 17.08 24.85 24.33 23.12 22.35 21.84 21.66 21.08 20.07 19.90 19.89 19.63

19.63

Page 91 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 22 - BALI

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 3,621 3,029 3,510 2,467 2,797 , 1,740 1,579 1,388 934 522 389 466 263 358 181 309 211 74 80 47 23,965

3,621 6,650 10,160 12,627 15,424 , 17,164 18,743 20,131 21,065 21,587 21,976 22,442 22,705 23,063 23,244 23,553 23,764 23,838 23,918 23,965

15.11 12.64 14.65 10.29 11.67 7.26 6.59 5.79 3.90 2.18 1.62 1.94 1.10 1.49 0.76 1.29 0.88 0.31 0.33 0.20

15.11 27.75 42.40 52.69 64.36 71.62 78.21 84.00 87.90 90.08 91.70 93.64 94.74 96.24 96.99 98.28 99.16 99.47 99.80 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,090.06 715.10 1,151.68 1,340.67 2,512.22 , 5,001.16 2,845.22 3,105.92 2,646.01 1,863.08 1,486.19 2,388.02 1,575.91 2,665.30 1,736.25 3,566.54 2,667.25 1,038.73 1,095.19 1,541.05 43,031.56

2,090.06 2,805.17 3,956.84 5,297.52 7,809.74 , 12,810.91 15,656.13 18,762.05 21,408.06 23,271.13 24,757.32 27,145.34 28,721.24 31,386.54 33,122.79 36,689.33 39,356.59 40,395.32 41,490.51 43,031.56

4.86 1.66 2.68 3.12 5.84 11.62 6.61 7.22 6.15 4.33 3.45 5.55 3.66 6.19 4.03 8.29 6.20 2.41 2.55 3.58

4.86 6.52 9.20 12.31 18.15 29.77 36.38 43.60 49.75 54.08 57.53 63.08 66.74 72.94 76.97 85.26 91.46 93.87 96.42 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 25 3 6 13 7 10 35 20 36 17 7 32 6 16 0 40 31 26 29 31 390

25 28 34 47 54 64 99 119 155 172 179 211 217 233 233 273 304 330 359 390

6.41 0.77 1.54 3.33 1.79 2.56 8.97 5.13 9.23 4.36 1.79 8.21 1.54 4.10 0.00 10.26 7.95 6.67 7.44 7.95

6.41 7.18 8.72 12.05 13.85 16.41 25.38 30.51 39.74 44.10 45.90 54.10 55.64 59.74 59.74 70.00 77.95 84.62 92.05 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 443.85 0.00 91.93 173.00 396.79 785.49 1,464.43 34,383.90 576.89 210.71 43.49 504.64 40.18 49.24 0.00 1,595.32 359.01 342.07 1,292.21 561.85 43,314.99

443.85 443.85 535.78 708.78 1,105.57 , 1,891.06 3,355.49 37,739.38 38,316.27 38,526.98 38,570.47 39,075.11 39,115.29 39,164.53 39,164.53 40,759.86 41,118.87 41,460.93 42,753.14 43,314.99

1.02 0.00 0.21 0.40 0.92 1.81 3.38 79.38 1.33 0.49 0.10 1.17 0.09 0.11 0.00 3.68 0.83 0.79 2.98 1.30

1.02 1.02 1.24 1.64 2.55 4.37 7.75 87.13 88.46 88.95 89.05 90.21 90.30 90.42 90.42 94.10 94.93 95.72 98.70 100.00

LOSS RATIO PERCENTAGE BAND CUM. 21.24 0.00 7.98 12.90 15.79 15.71 51.47 1107.04 21.80 11.31 2.93 21.13 2.55 1.85 0.00 44.73 13.46 32.93 117.99 36.46

21.24 15.82 13.54 13.38 14.16 14.76 21.43 201.15 178.98 165.56 155.79 143.95 136.19 124.78 118.24 111.09 104.48 102.64 103.04 100.66

100.66

Page 92 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 23 - NUSA TENGGARA BARAT

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,110 1,338 1,441 756 663 377 221 199 103 44 51 53 41 40 14 31 10 10 7 2 6,511

1,110 2,448 3,889 4,645 5,308 , 5,685 5,906 6,105 6,208 6,252 6,303 6,356 6,397 6,437 6,451 6,482 6,492 6,502 6,509 6,511

17.05 20.55 22.13 11.61 10.18 5.79 3.39 3.06 1.58 0.68 0.78 0.81 0.63 0.61 0.22 0.48 0.15 0.15 0.11 0.03

17.05 37.60 59.73 71.34 81.52 87.31 90.71 93.76 95.35 96.02 96.81 97.62 98.25 98.86 99.08 99.55 99.71 99.86 99.97 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 294.98 363.45 719.05 619.35 868.61 748.27 615.41 538.80 391.14 184.47 307.35 329.72 394.95 385.05 122.51 902.36 100.50 86.83 74.83 20.21 8,067.84

294.98 658.43 1,377.48 1,996.83 2,865.44 , 3,613.71 4,229.12 4,767.92 5,159.06 5,343.53 5,650.88 5,980.59 6,375.55 6,760.60 6,883.11 7,785.47 7,885.97 7,972.80 8,047.63 8,067.84

3.66 4.50 8.91 7.68 10.77 9.27 7.63 6.68 4.85 2.29 3.81 4.09 4.90 4.77 1.52 11.18 1.25 1.08 0.93 0.25

3.66 8.16 17.07 24.75 35.52 44.79 52.42 59.10 63.95 66.23 70.04 74.13 79.02 83.80 85.32 96.50 97.75 98.82 99.75 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

0 2 4 11 3 14 6 0 9 0 0 0 0 0 3 166 4 4 0 0 226

0 2 6 17 20 34 40 40 49 49 49 49 49 49 52 218 222 226 226 226

0.00 0.88 1.77 4.87 1.33 6.19 2.65 0.00 3.98 0.00 0.00 0.00 0.00 0.00 1.33 73.45 1.77 1.77 0.00 0.00

0.00 0.88 2.65 7.52 8.85 15.04 17.70 17.70 21.68 21.68 21.68 21.68 21.68 21.68 23.01 96.46 98.23 100.00 100.00 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 7.56 92.27 55.72 172.73 25.31 14.67 0.00 49.26 0.00 0.00 0.00 0.00 0.00 248.35 1,147.67 19.79 18.38 0.00 0.00 1,851.70

0.00 7.56 99.83 155.55 328.28 353.59 368.26 368.26 417.52 417.52 417.52 417.52 417.52 417.52 665.87 1,813.54 1,833.33 1,851.70 1,851.70 1,851.70

0.00 0.41 4.98 3.01 9.33 1.37 0.79 0.00 2.66 0.00 0.00 0.00 0.00 0.00 13.41 61.98 1.07 0.99 0.00 0.00

0.00 0.41 5.39 8.40 17.73 19.10 19.89 19.89 22.55 22.55 22.55 22.55 22.55 22.55 35.96 97.94 99.01 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 2.08 12.83 9.00 19.89 3.38 2.38 0.00 12.59 0.00 0.00 0.00 0.00 0.00 202.72 127.19 19.69 21.16 0.00 0.00

0.00 1.15 7.25 7.79 11.46 9.78 8.71 7.72 8.09 7.81 7.39 6.98 6.55 6.18 9.67 23.29 23.25 23.23 23.01 22.95

22.95

Page 93 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 24 - NUSA TENGGARA TIMUR

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 722 836 1,026 579 622 443 248 194 111 61 39 38 22 33 8 11 9 3 1 1 5,007

722 1,558 2,584 3,163 3,785 , 4,228 4,476 4,670 4,781 4,842 4,881 4,919 4,941 4,974 4,982 4,993 5,002 5,005 5,006 5,007

14.42 16.70 20.49 11.56 12.42 8.85 4.95 3.87 2.22 1.22 0.78 0.76 0.44 0.66 0.16 0.22 0.18 0.06 0.02 0.02

14.42 31.12 51.61 63.17 75.59 84.44 89.39 93.27 95.49 96.70 97.48 98.24 98.68 99.34 99.50 99.72 99.90 99.96 99.98 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 154.59 243.38 531.14 537.94 1,058.08 , 1,009.95 818.62 852.71 624.76 345.46 219.18 329.33 156.47 187.14 43.58 89.50 218.40 391.08 (1.39) (0.53) 7,809.37

154.59 397.96 929.10 1,467.03 2,525.11 , 3,535.07 4,353.68 5,206.39 5,831.15 6,176.60 6,395.79 6,725.11 6,881.58 7,068.72 7,112.30 7,201.80 7,420.20 7,811.29 7,809.90 7,809.37

1.98 3.12 6.80 6.89 13.55 12.93 10.48 10.92 8.00 4.42 2.81 4.22 2.00 2.40 0.56 1.15 2.80 5.01 (0.02) (0.01)

1.98 5.10 11.90 18.79 32.33 45.27 55.75 66.67 74.67 79.09 81.90 86.12 88.12 90.52 91.07 92.22 95.02 100.02 100.01 100.00

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

0 0 2 2 3 3 3 5 5 5 5 5 5 5 7 7 7 7 7 7

0.00 0.00 28.57 0.00 14.29 0.00 0.00 28.57 0.00 0.00 0.00 0.00 0.00 0.00 28.57 0.00 0.00 0.00 0.00 0.00

0.00 0.00 28.57 28.57 42.86 42.86 42.86 71.43 71.43 71.43 71.43 71.43 71.43 71.43 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 90.70 0.00 0.00 0.00 0.00 27.63 0.00 0.00 0.00 0.00 0.00 0.00 16.15 0.00 0.00 0.00 0.00 0.00 134.48

0.00 0.00 90.70 90.70 90.70 90.70 90.70 118.32 118.32 118.32 118.32 118.32 118.32 118.32 134.48 134.48 134.48 134.48 134.48 134.48

0.00 0.00 67.44 0.00 0.00 0.00 0.00 20.54 0.00 0.00 0.00 0.00 0.00 0.00 12.01 0.00 0.00 0.00 0.00 0.00

0.00 0.00 67.44 67.44 67.44 67.44 67.44 87.99 87.99 87.99 87.99 87.99 87.99 87.99 100.00 100.00 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 17.08 0.00 0.00 0.00 0.00 3.24 0.00 0.00 0.00 0.00 0.00 0.00 37.06 0.00 0.00 0.00 0.00 0.00

0.00 0.00 9.76 6.18 3.59 2.57 2.08 2.27 2.03 1.92 1.85 1.76 1.72 1.67 1.89 1.87 1.81 1.72 1.72 1.72

1.72

Page 94 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 25 - MALUKU

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 178 297 298 185 220 116 108 97 44 26 24 17 14 17 11 22 10 1 2 2 1,689

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

10.54 17.58 17.64 10.95 13.03 6.87 6.39 5.74 2.61 1.54 1.42 1.01 0.83 1.01 0.65 1.30 0.59 0.06 0.12 0.12

10.54 28.12 45.77 56.72 69.75 76.61 83.01 88.75 91.36 92.90 94.32 95.32 96.15 97.16 97.81 99.11 99.70 99.76 99.88 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 53.57 82.80 183.31 162.20 387.63 268.46 382.38 443.73 237.61 151.24 148.36 92.03 176.24 184.32 98.65 186.40 90.65 11.45 0.99 13.33 3,355.33

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

1.60 2.47 5.46 4.83 11.55 8.00 11.40 13.22 7.08 4.51 4.42 2.74 5.25 5.49 2.94 5.56 2.70 0.34 0.03 0.40

1.60 4.06 9.53 14.36 25.91 33.92 45.31 58.54 65.62 70.12 74.55 77.29 82.54 88.03 90.98 96.53 99.23 99.57 99.60 100.00

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

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

01/01/2008

15/06/2011

DATE

15/10/2011

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 95 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 26 - IRIAN JAYA

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 702 641 975 701 759 443 306 261 157 88 63 79 39 60 25 31 28 5 9 0 5,372

702 1,343 2,318 3,019 3,778 , 4,221 4,527 4,788 4,945 5,033 5,096 5,175 5,214 5,274 5,299 5,330 5,358 5,363 5,372 5,372

13.07 11.93 18.15 13.05 14.13 8.25 5.70 4.86 2.92 1.64 1.17 1.47 0.73 1.12 0.47 0.58 0.52 0.09 0.17 0.00

13.07 25.00 43.15 56.20 70.33 78.57 84.27 89.13 92.05 93.69 94.86 96.33 97.06 98.18 98.64 99.22 99.74 99.83 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 257.40 169.63 436.46 606.98 1,104.69 , 1,134.55 1,118.27 1,328.07 956.11 660.20 480.79 638.37 503.73 733.83 441.45 302.50 252.66 98.54 166.72 0.00 11,390.97

257.40 427.03 863.49 1,470.48 2,575.17 , 3,709.72 4,827.98 6,156.06 7,112.17 7,772.37 8,253.15 8,891.53 9,395.26 10,129.09 10,570.54 10,873.04 11,125.71 11,224.25 11,390.97 11,390.97

2.26 1.49 3.83 5.33 9.70 9.96 9.82 11.66 8.39 5.80 4.22 5.60 4.42 6.44 3.88 2.66 2.22 0.87 1.46 0.00

2.26 3.75 7.58 12.91 22.61 32.57 42.38 54.04 62.44 68.23 72.45 78.06 82.48 88.92 92.80 95.45 97.67 98.54 100.00 100.00

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

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

36.11 5.56 16.67 8.33 22.22 0.00 0.00 0.00 0.00 0.00 0.00 5.56 0.00 0.00 0.00 0.00 0.00 5.56 0.00 0.00

36.11 41.67 58.33 66.67 88.89 88.89 88.89 88.89 88.89 88.89 88.89 94.44 94.44 94.44 94.44 94.44 94.44 100.00 100.00 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,992.96 50.72 150.80 237.78 512.47 0.00 0.00 0.00 0.00 0.00 0.00 22.69 0.00 0.00 0.00 0.00 0.00 70.94 0.00 0.00 3,038.35

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

65.59 1.67 4.96 7.83 16.87 0.00 0.00 0.00 0.00 0.00 0.00 0.75 0.00 0.00 0.00 0.00 0.00 2.33 0.00 0.00

65.59 67.26 72.23 80.05 96.92 96.92 96.92 96.92 96.92 96.92 96.92 97.67 97.67 97.67 97.67 97.67 97.67 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 774.27 29.90 34.55 39.17 46.39 0.00 0.00 0.00 0.00 0.00 0.00 3.55 0.00 0.00 0.00 0.00 0.00 71.99 0.00 0.00

774.27 478.58 254.14 165.41 114.35 79.38 60.99 47.83 41.40 37.89 35.68 33.37 31.58 29.30 28.07 27.29 26.67 27.07 26.67 26.67

26.67

Page 96 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 27 - MALUKU UTARA

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 132 164 211 85 127 100 93 93 59 34 8 16 16 15 3 4 1 1 7 0 1,169

132 296 507 592 719 819 912 1,005 1,064 1,098 1,106 1,122 1,138 1,153 1,156 1,160 1,161 1,162 1,169 1,169

11.29 14.03 18.05 7.27 10.86 8.55 7.96 7.96 5.05 2.91 0.68 1.37 1.37 1.28 0.26 0.34 0.09 0.09 0.60 0.00

11.29 25.32 43.37 50.64 61.51 70.06 78.02 85.97 91.02 93.93 94.61 95.98 97.35 98.63 98.89 99.23 99.32 99.40 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 28.09 36.23 119.32 83.19 202.33 251.74 357.18 463.32 419.84 282.63 72.01 157.19 165.88 206.11 72.21 69.22 2.88 18.78 317.25 0.00 3,325.39

28.09 64.32 183.64 266.82 469.15 720.89 1,078.07 1,541.39 1,961.23 2,243.86 2,315.87 2,473.06 2,638.94 2,845.05 2,917.25 2,986.47 2,989.35 3,008.13 3,325.39 3,325.39

0.84 1.09 3.59 2.50 6.08 7.57 10.74 13.93 12.63 8.50 2.17 4.73 4.99 6.20 2.17 2.08 0.09 0.56 9.54 0.00

0.84 1.93 5.52 8.02 14.11 21.68 32.42 46.35 58.98 67.48 69.64 74.37 79.36 85.56 87.73 89.81 89.89 90.46 100.00 100.00

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

0 0 0 0 0 0 0 0 2 2 2 2 2 2 2 2 2 2 2 2

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

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.64

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.64 15.64 15.64 15.64 15.64 15.64 15.64 15.64 15.64 15.64 15.64 15.64

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

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.72 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.80 0.70 0.68 0.63 0.59 0.55 0.54 0.52 0.52 0.52 0.47 0.47

0.47

Page 97 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 28 - IRIAN JAYA BARAT

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 294 344 506 232 234 152 109 60 67 22 24 20 14 18 11 14 7 3 1 3 2,135

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

13.77 16.11 23.70 10.87 10.96 7.12 5.11 2.81 3.14 1.03 1.12 0.94 0.66 0.84 0.52 0.66 0.33 0.14 0.05 0.14

13.77 29.88 53.58 64.45 75.41 82.53 87.63 90.44 93.58 94.61 95.74 96.67 97.33 98.17 98.69 99.34 99.67 99.81 99.86 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 143.09 57.72 163.60 147.79 317.56 382.13 344.88 265.17 331.28 142.68 197.11 155.50 146.06 118.74 151.66 279.14 123.97 42.00 2.68 4.32 3,517.06

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

4.07 1.64 4.65 4.20 9.03 10.87 9.81 7.54 9.42 4.06 5.60 4.42 4.15 3.38 4.31 7.94 3.52 1.19 0.08 0.12

4.07 5.71 10.36 14.56 23.59 34.46 44.26 51.80 61.22 65.28 70.88 75.30 79.46 82.83 87.15 95.08 98.61 99.80 99.88 100.00

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

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

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

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

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 100.00 8.73 0.00 85.03 0.00 0.00 0.00 0.00 102.79 0.00 113.38 0.00 0.00 0.00 759.88 522.27 0.00 0.00 0.00 1,692.08

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

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

0.00 5.91 6.43 6.43 11.45 11.45 11.45 11.45 11.45 17.53 17.53 24.23 24.23 24.23 24.23 69.13 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 173.26 5.34 0.00 26.78 0.00 0.00 0.00 0.00 72.04 0.00 72.91 0.00 0.00 0.00 272.23 421.28 0.00 0.00 0.00

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

48.11

Page 98 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 29 - BANTEN

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 7,126 7,776 10,753 7,240 7,575 , 3,710 2,299 1,863 1,115 680 617 715 565 781 504 897 829 391 552 183 56,171

7,126 14,902 25,655 32,895 40,470 , 44,180 46,479 48,342 49,457 50,137 50,754 51,469 52,034 52,815 53,319 54,216 55,045 55,436 55,988 56,171

12.69 13.84 19.14 12.89 13.49 6.60 4.09 3.32 1.99 1.21 1.10 1.27 1.01 1.39 0.90 1.60 1.48 0.70 0.98 0.33

12.69 26.53 45.67 58.56 72.05 78.65 82.75 86.06 88.05 89.26 90.36 91.63 92.63 94.03 94.92 96.52 98.00 98.69 99.67 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 8,480.44 1,710.00 3,491.60 4,106.27 5,675.68 , 4,383.91 3,735.97 4,185.25 3,508.61 2,544.88 2,579.81 3,701.84 3,517.86 5,943.95 5,066.66 11,071.19 14,804.18 6,516.91 4,667.56 5,278.77 104,971.33

8,480.44 10,190.44 13,682.04 17,788.31 23,463.99 , 27,847.90 31,583.87 35,769.11 39,277.72 41,822.60 44,402.41 48,104.24 51,622.10 57,566.05 62,632.72 73,703.91 88,508.09 95,025.00 99,692.56 104,971.33

8.08 8.08 1.63 9.71 3.33 13.03 3.91 16.95 5.41 22.35 4.18 26.53 3.56 30.09 3.99 34.08 3.34 37.42 2.42 39.84 2.46 42.30 3.53 45.83 3.35 49.18 5.66 54.84 4.83 59.67 10.55 70.21 14.10 84.32 6.21 90.52 4.45 94.97 5.03 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 77 24 27 26 36 35 35 28 12 15 23 19 14 39 26 81 82 59 56 63 777

77 101 128 154 190 225 260 288 300 315 338 357 371 410 436 517 599 658 714 777

9.91 3.09 3.47 3.35 4.63 4.50 4.50 3.60 1.54 1.93 2.96 2.45 1.80 5.02 3.35 10.42 10.55 7.59 7.21 8.11

9.91 13.00 16.47 19.82 24.45 28.96 33.46 37.07 38.61 40.54 43.50 45.95 47.75 52.77 56.11 66.54 77.09 84.68 91.89 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 6,095.61 429.95 327.47 724.75 9,370.38 766.39 3,882.38 555.38 1,495.84 481.36 635.89 1,510.99 855.69 3,270.90 1,272.07 25,643.55 318.57 7,929.77 2,939.14 76,196.31 144,702.38

6,095.61 6,525.56 6,853.03 7,577.77 16,948.16 , 17,714.55 21,596.93 22,152.31 23,648.14 24,129.50 24,765.39 26,276.38 27,132.07 30,402.97 31,675.03 57,318.59 57,637.15 65,566.93 68,506.07 144,702.38

4.21 0.30 0.23 0.50 6.48 0.53 2.68 0.38 1.03 0.33 0.44 1.04 0.59 2.26 0.88 17.72 0.22 5.48 2.03 52.66

LOSS RATIO PERCENTAGE BAND CUM.

4.21 71.88 4.51 25.14 4.74 9.38 5.24 17.65 11.71 165.10 12.24 17.48 14.93 103.92 15.31 13.27 16.34 42.63 16.68 18.91 17.11 24.65 18.16 40.82 18.75 24.32 21.01 55.03 21.89 25.11 39.61 231.62 39.83 2.15 45.31 121.68 47.34 62.97 100.00 1,443.45

71.88 64.04 50.09 42.60 72.23 63.61 68.38 61.93 60.21 57.69 55.77 54.62 52.56 52.81 50.57 77.77 65.12 69.00 68.72 137.85

137.85

Page 99 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 30 - BANGKA BELITUNG

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 303 342 406 288 350 262 171 133 63 37 24 23 28 33 12 19 21 13 18 15 2,561

303 645 1,051 1,339 1,689 , 1,951 2,122 2,255 2,318 2,355 2,379 2,402 2,430 2,463 2,475 2,494 2,515 2,528 2,546 2,561

11.83 13.35 15.85 11.25 13.67 10.23 6.68 5.19 2.46 1.44 0.94 0.90 1.09 1.29 0.47 0.74 0.82 0.51 0.70 0.59

11.83 25.19 41.04 52.28 65.95 76.18 82.86 88.05 90.51 91.96 92.89 93.79 94.88 96.17 96.64 97.38 98.20 98.71 99.41 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 261.93 71.22 159.59 185.86 400.02 398.23 375.07 365.65 266.66 157.84 142.37 108.70 142.80 236.86 89.23 208.46 205.47 169.69 366.52 91.59 4,403.76

261.93 333.15 492.74 678.60 1,078.62 , 1,476.84 1,851.92 2,217.56 2,484.22 2,642.07 2,784.44 2,893.13 3,035.93 3,272.79 3,362.02 3,570.48 3,775.95 3,945.64 4,312.16 4,403.76

5.95 1.62 3.62 4.22 9.08 9.04 8.52 8.30 6.06 3.58 3.23 2.47 3.24 5.38 2.03 4.73 4.67 3.85 8.32 2.08

5.95 7.57 11.19 15.41 24.49 33.54 42.05 50.36 56.41 60.00 63.23 65.70 68.94 74.32 76.34 81.08 85.74 89.60 97.92 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 7 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 4 11 2 29

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

24.14 10.34 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 6.90 13.79 37.93 6.90

24.14 34.48 34.48 34.48 34.48 34.48 34.48 34.48 34.48 34.48 34.48 34.48 34.48 34.48 34.48 34.48 41.38 55.17 93.10 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 407.78 249.73 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.75 98.74 433.79 2.06 1,202.86

407.78 657.51 657.51 657.51 657.51 657.51 657.51 657.51 657.51 657.51 657.51 657.51 657.51 657.51 657.51 657.51 668.26 767.01 1,200.79 1,202.86

33.90 20.76 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.89 8.21 36.06 0.17

33.90 54.66 54.66 54.66 54.66 54.66 54.66 54.66 54.66 54.66 54.66 54.66 54.66 54.66 54.66 54.66 55.56 63.77 99.83 100.00

LOSS RATIO PERCENTAGE BAND CUM. 155.68 350.66 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 5.23 58.19 118.35 2.25

155.68 197.36 133.44 96.89 60.96 44.52 35.50 29.65 26.47 24.89 23.61 22.73 21.66 20.09 19.56 18.42 17.70 19.44 27.85 27.31

27.31

Page 100 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 31 - GORONTALO

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 230 357 424 238 276 180 94 77 52 28 21 18 13 12 5 10 12 4 1 0 2,052

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

11.21 17.40 20.66 11.60 13.45 8.77 4.58 3.75 2.53 1.36 1.02 0.88 0.63 0.58 0.24 0.49 0.58 0.19 0.05 0.00

11.21 28.61 49.27 60.87 74.32 83.09 87.67 91.42 93.96 95.32 96.35 97.22 97.86 98.44 98.68 99.17 99.76 99.95 100.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 43.73 97.20 193.81 173.84 311.98 317.87 298.58 279.79 282.54 188.42 100.67 156.80 114.52 232.48 56.09 22.65 122.06 42.41 24.99 0.00 3,060.44

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

1.43 3.18 6.33 5.68 10.19 10.39 9.76 9.14 9.23 6.16 3.29 5.12 3.74 7.60 1.83 0.74 3.99 1.39 0.82 0.00

1.43 4.61 10.94 16.62 26.81 37.20 46.95 56.10 65.33 71.49 74.77 79.90 83.64 91.24 93.07 93.81 97.80 99.18 100.00 100.00

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

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

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

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

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 215.07 1.75 0.59 0.00 979.34 473.08 0.00 0.00 137.07 0.00 0.00 152.22 443.56 50.99 0.00 0.00 0.00 0.00 2,453.67

0.00 0.00 215.07 216.82 217.41 217.41 1,196.75 1,669.83 1,669.83 1,669.83 1,806.90 1,806.90 1,806.90 1,959.12 2,402.68 2,453.67 2,453.67 2,453.67 2,453.67 2,453.67

0.00 0.00 8.77 0.07 0.02 0.00 39.91 19.28 0.00 0.00 5.59 0.00 0.00 6.20 18.08 2.08 0.00 0.00 0.00 0.00

0.00 0.00 8.77 8.84 8.86 8.86 48.77 68.05 68.05 68.05 73.64 73.64 73.64 79.84 97.92 100.00 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 110.97 1.01 0.19 0.00 328.00 169.08 0.00 0.00 136.15 0.00 0.00 65.48 790.74 225.08 0.00 0.00 0.00 0.00

0.00 0.00 64.25 42.63 26.50 19.10 83.28 97.26 83.52 76.33 78.96 73.89 70.59 70.16 84.35 85.46 81.98 80.83 80.17 80.17

80.17

Page 101 of 204

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

PROVINCE

: 32 - KEPULAUAN RIAU

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 2,330 2,667 3,163 2,100 2,174 971 674 438 311 152 97 155 65 146 90 125 128 56 98 41 15,981

2,330 4,997 8,160 10,260 12,434 , 13,405 14,079 14,517 14,828 14,980 15,077 15,232 15,297 15,443 15,533 15,658 15,786 15,842 15,940 15,981

14.58 16.69 19.79 13.14 13.60 6.08 4.22 2.74 1.95 0.95 0.61 0.97 0.41 0.91 0.56 0.78 0.80 0.35 0.61 0.26

14.58 31.27 51.06 64.20 77.80 83.88 88.10 90.84 92.79 93.74 94.34 95.31 95.72 96.63 97.20 97.98 98.78 99.13 99.74 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,459.24 497.77 1,054.82 1,449.86 2,521.40 , 1,658.42 1,523.69 1,388.03 1,136.15 665.23 493.80 907.79 722.40 1,340.15 947.50 1,822.64 2,426.98 1,129.18 3,824.53 57,243.64 84,213.21

1,459.24 1,957.02 3,011.83 4,461.69 6,983.09 , 8,641.51 10,165.20 11,553.22 12,689.37 13,354.60 13,848.40 14,756.19 15,478.59 16,818.74 17,766.24 19,588.88 22,015.86 23,145.04 26,969.57 84,213.21

1.73 0.59 1.25 1.72 2.99 1.97 1.81 1.65 1.35 0.79 0.59 1.08 0.86 1.59 1.13 2.16 2.88 1.34 4.54 67.97

1.73 2.32 3.58 5.30 8.29 10.26 12.07 13.72 15.07 15.86 16.44 17.52 18.38 19.97 21.10 23.26 26.14 27.48 32.03 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 16 2 9 9 6 11 0 8 4 5 0 2 2 13 0 12 10 5 28 0 142

16 18 27 36 42 53 53 61 65 70 70 72 74 87 87 99 109 114 142 142

11.27 1.41 6.34 6.34 4.23 7.75 0.00 5.63 2.82 3.52 0.00 1.41 1.41 9.15 0.00 8.45 7.04 3.52 19.72 0.00

11.27 12.68 19.01 25.35 29.58 37.32 37.32 42.96 45.77 49.30 49.30 50.70 52.11 61.27 61.27 69.72 76.76 80.28 100.00 100.00

01/01/2008

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 3,737.76 0.96 97.99 246.86 939.87 871.37 0.00 118.54 4.28 44.83 0.00 6.19 36.78 83.87 0.00 8,665.30 109.43 277.54 6,452.56 0.00 21,694.13

3,737.76 3,738.72 3,836.71 4,083.57 5,023.44 , 5,894.81 5,894.81 6,013.35 6,017.63 6,062.46 6,062.46 6,068.65 6,105.43 6,189.30 6,189.30 14,854.60 14,964.03 15,241.57 21,694.13 21,694.13

17.23 0.00 0.45 1.14 4.33 4.02 0.00 0.55 0.02 0.21 0.00 0.03 0.17 0.39 0.00 39.94 0.50 1.28 29.74 0.00

17.23 17.23 17.69 18.82 23.16 27.17 27.17 27.72 27.74 27.95 27.95 27.97 28.14 28.53 28.53 68.47 68.98 70.26 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 256.14 0.19 9.29 17.03 37.28 52.54 0.00 8.54 0.38 6.74 0.00 0.68 5.09 6.26 0.00 475.42 4.51 24.58 168.72 0.00

256.14 191.04 127.39 91.53 71.94 68.22 57.99 52.05 47.42 45.40 43.78 41.13 39.44 36.80 34.84 75.83 67.97 65.85 80.44 25.76

25.76

Page 102 of 204

RISK AND LOSS PROFILE 2009

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

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: All Code

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

198,002 161,900 213,964 135,994 155,070 82,778 60,923 49,404 28,191 15,897 12,571 15,439 10,305 13,961 8,636 14,719 13,204 6,606 8,091 2,991 1,208,646

198,002 359,902 573,866 709,860 864,930 947,708 1,008,631 1,058,035 1,086,226 1,102,123 1,114,694 1,130,133 1,140,438 1,154,399 1,163,035 1,177,754 1,190,958 1,197,564 1,205,655 1,208,646

16.38 16.38 13.40 29.78 17.70 47.48 11.25 58.73 12.83 71.56 6.85 78.41 5.04 83.45 4.09 87.54 2.33 89.87 1.32 91.19 1.04 92.23 1.28 93.50 0.85 94.36 1.16 95.51 0.71 96.23 1.22 97.44 1.09 98.54 0.55 99.08 0.67 99.75 0.25 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 137,798.75 35,216.91 79,992.02 78,527.55 136,551.01 105,689.55 108,360.73 111,652.01 83,689.90 58,532.43 57,168.57 72,415.19 58,642.65 92,066.69 71,263.13 163,085.00 165,514.46 81,586.75 125,545.08 325,553.67 2,148,852.05

137,798.75 173,015.66 253,007.67 331,535.22 468,086.24 573,775.79 682,136.53 793,788.54 877,478.44 936,010.87 993,179.44 1,065,594.63 1,124,237.28 1,216,303.98 1,287,567.10 1,450,652.10 1,616,166.56 1,697,753.31 1,823,298.39 2,148,852.06

6.41 6.41 1.64 8.05 3.72 11.77 3.65 15.43 6.35 21.78 4.92 26.70 5.04 31.74 5.20 36.94 3.89 40.83 2.72 43.56 2.66 46.22 3.37 49.59 2.73 52.32 4.28 56.60 3.32 59.92 7.59 67.51 7.70 75.21 3.80 79.01 5.84 84.85 15.15 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

1,668 419 845 629 827 531 500 556 331 273 255 345 274 522 535 809 1,034 638 1,207 1,021 13,21

1,668 2,087 2,932 3,561 4,388 4,919 5,419 5,975 6,306 6,579 6,834 7,179 7,453 7,975 8,510 9,319 10,35 10,99 12,19 13,21

12.62 12.62 3.17 15.79 6.39 22.18 4.76 26.94 6.26 33.19 4.02 37.21 3.78 40.99 4.21 45.20 2.50 47.70 2.07 49.77 1.93 51.70 2.61 54.31 2.07 56.38 3.95 60.33 4.05 64.38 6.12 70.50 7.82 78.32 4.83 83.15 9.13 92.28 7.72 100.00

DATE

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

255,777.19 9,764.15 20,769.49 23,212.60 46,548.93 33,327.04 38,379.59 26,812.67 29,093.12 19,490.92 14,504.56 28,202.28 26,132.62 59,894.84 29,140.57 159,411.48 420,223.55 164,714.01 921,590.76 846,582.81 3,173,573.18

255,777.19 265,541.34 286,310.83 309,523.43 356,072.36 389,399.40 427,778.99 454,591.66 483,684.77 503,175.70 517,680.25 545,882.54 572,015.15 631,910.00 661,050.57 820,462.05 1,240,685.59 1,405,399.60 2,326,990.36 3,173,573.17

8.06 8.06 0.31 8.37 0.65 9.02 0.73 9.75 1.47 11.22 1.05 12.27 1.21 13.48 0.84 14.32 0.92 15.24 0.61 15.86 0.46 16.31 0.89 17.20 0.82 18.02 1.89 19.91 0.92 20.83 5.02 25.85 13.24 39.09 5.19 44.28 29.04 73.32 26.68 100.00

01/01/2009

15/06/2011

15/10/2011

LOSS RATIO PERCENTAGE BAND CUM. 185.62 27.73 25.96 29.56 34.09 31.53 35.42 24.01 34.76 33.30 25.37 38.95 44.56 65.06 40.89 97.75 253.89 201.89 734.07 260.04

185.62 153.48 113.16 93.36 76.07 67.87 62.71 57.27 55.12 53.76 52.12 51.23 50.88 51.95 51.34 56.56 76.77 82.78 127.63 147.69

147.69

Page 103 of 204

RISK AND LOSS PROFILE 2009 GROUP BY CLASS OF BUSINESS

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

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: FIRE

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: All Code

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

161,015 147,879 192,417 120,484 131,621 65,260 44,413 32,665 16,922 8,860 6,673 7,495 4,660 5,819 3,100 4,821 3,989 1,867 2,349 1,089 963,398

161,015 308,894 501,311 621,795 753,416 818,676 863,089 895,754 912,676 921,536 928,209 935,704 940,364 946,183 949,283 954,104 958,093 959,960 962,309 963,398

16.71 16.71 15.35 32.06 19.97 52.04 12.51 64.54 13.66 78.20 6.77 84.98 4.61 89.59 3.39 92.98 1.76 94.74 0.92 95.65 0.69 96.35 0.78 97.13 0.48 97.61 0.60 98.21 0.32 98.53 0.50 99.04 0.41 99.45 0.19 99.64 0.24 99.89 0.11 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 64,850.58 31,499.72 73,241.06 71,680.01 121,468.45 90,817.97 87,321.01 85,188.86 58,965.73 39,307.82 35,803.31 43,755.51 34,239.52 50,291.28 33,666.94 67,854.71 54,993.99 25,606.71 26,276.96 73,162.42 1,169,992.55

64,850.58 96,350.30 169,591.35 241,271.36 362,739.81 453,557.78 540,878.79 626,067.65 685,033.38 724,341.20 760,144.51 803,900.02 838,139.54 888,430.81 922,097.76 989,952.47 1,044,946.46 1,070,553.17 1,096,830.13 1,169,992.55

5.54 5.54 2.69 8.24 6.26 14.50 6.13 20.62 10.38 31.00 7.76 38.77 7.46 46.23 7.28 53.51 5.04 58.55 3.36 61.91 3.06 64.97 3.74 68.71 2.93 71.64 4.30 75.93 2.88 78.81 5.80 84.61 4.70 89.31 2.19 91.50 2.25 93.75 6.25 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 668 280 461 314 381 210 215 206 83 78 77 88 77 145 85 354 377 145 280 222 4,746

668 948 1,409 1,723 2,104 2,314 2,529 2,735 2,818 2,896 2,973 3,061 3,138 3,283 3,368 3,722 4,099 4,244 4,524 4,746

14.08 14.08 5.90 19.97 9.71 29.69 6.62 36.30 8.03 44.33 4.42 48.76 4.53 53.29 4.34 57.63 1.75 59.38 1.64 61.02 1.62 62.64 1.85 64.50 1.62 66.12 3.06 69.17 1.79 70.97 7.46 78.42 7.94 86.37 3.06 89.42 5.90 95.32 4.68 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 38,243.84 8,297.62 15,813.84 14,515.05 21,907.68 13,030.42 21,361.32 16,853.43 13,492.44 10,901.01 9,007.83 5,577.63 13,154.63 12,752.13 5,118.05 43,203.70 93,502.17 27,008.69 156,418.90 4,093.45 544,253.84

38,243.84 46,541.46 62,355.30 76,870.35 98,778.02 111,808.45 133,169.76 150,023.20 163,515.63 174,416.65 183,424.48 189,002.11 202,156.74 214,908.87 220,026.92 263,230.62 356,732.79 383,741.49 540,160.39 544,253.84

01/01/2009

15/06/2011

15/10/2011

LOSS RATIO PERCENTAGE BAND CUM.

7.03 7.03 58.97 1.52 8.55 26.34 2.91 11.46 21.59 2.67 14.12 20.25 4.03 18.15 18.04 2.39 20.54 14.35 3.92 24.47 24.46 3.10 27.56 19.78 2.48 30.04 22.88 2.00 32.05 27.73 1.66 33.70 25.16 1.02 34.73 12.75 2.42 37.14 38.42 2.34 39.49 25.36 0.94 40.43 15.20 7.94 48.37 63.67 17.18 65.55 170.02 4.96 70.51 105.48 28.74 99.25 595.27 0.75 100.00 5.60

58.97 48.30 36.77 31.86 27.23 24.65 24.62 23.96 23.87 24.08 24.13 23.51 24.12 24.19 23.86 26.59 34.14 35.85 49.25 46.52

46.52

Page 104 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: INDUSTRIAL ALL RISK (IAR)

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: All Code

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

21,910 8,539 12,550 9,485 15,021 11,455 10,881 11,056 7,428 4,486 3,725 4,890 3,309 4,692 3,077 5,590 5,023 2,600 3,081 923 149,721

21,910 30,449 42,999 52,484 67,505 78,960 89,841 100,897 108,325 112,811 116,536 121,426 124,735 129,427 132,504 138,094 143,117 145,717 148,798 149,721

14.63 14.63 5.70 20.34 8.38 28.72 6.34 35.05 10.03 45.09 7.65 52.74 7.27 60.01 7.38 67.39 4.96 72.35 3.00 75.35 2.49 77.84 3.27 81.10 2.21 83.31 3.13 86.45 2.06 88.50 3.73 92.23 3.35 95.59 1.74 97.33 2.06 99.38 0.62 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 30,148.27 1,789.45 3,863.42 4,292.45 10,476.63 10,138.48 15,264.17 18,792.54 17,571.98 13,747.45 15,080.76 19,191.92 16,228.79 28,101.49 24,487.87 55,720.23 64,013.80 29,080.24 50,938.73 66,292.98 495,221.66

30,148.27 31,937.72 35,801.14 40,093.59 50,570.22 60,708.70 75,972.87 94,765.41 112,337.39 126,084.84 141,165.60 160,357.52 176,586.31 204,687.80 229,175.67 284,895.91 348,909.71 377,989.95 428,928.68 495,221.66

6.09 6.09 0.36 6.45 0.78 7.23 0.87 8.10 2.12 10.21 2.05 12.26 3.08 15.34 3.79 19.14 3.55 22.68 2.78 25.46 3.05 28.51 3.88 32.38 3.28 35.66 5.67 41.33 4.94 46.28 11.25 57.53 12.93 70.46 5.87 76.33 10.29 86.61 13.39 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

849 73 193 163 206 165 174 259 145 134 84 159 101 312 373 375 588 454 883 791 6,481

849 922 1,115 1,278 1,484 1,649 1,823 2,082 2,227 2,361 2,445 2,604 2,705 3,017 3,390 3,765 4,353 4,807 5,690 6,481

13.10 13.10 1.13 14.23 2.98 17.20 2.52 19.72 3.18 22.90 2.55 25.44 2.68 28.13 4.00 32.12 2.24 34.36 2.07 36.43 1.30 37.73 2.45 40.18 1.56 41.74 4.81 46.55 5.76 52.31 5.79 58.09 9.07 67.17 7.01 74.17 13.62 87.80 12.20 100.00

01/01/2009

15/06/2011

DATE

15/10/2011

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

208,692.49 208,692.49 538.15 209,230.65 2,250.42 211,481.07 3,731.32 215,212.39 4,115.84 219,328.23 3,895.24 223,223.47 9,020.94 232,244.40 5,769.07 238,013.47 5,937.35 243,950.82 2,498.40 246,449.23 2,003.06 248,452.28 13,897.02 262,349.30 5,288.47 267,637.77 39,306.26 306,944.03 12,949.00 319,893.04 102,739.73 422,632.76 259,068.12 681,700.89 125,732.09 807,432.97 458,416.85 1,265,849.83 841,092.66 2,106,942.48 2,106,942.48

LOSS RATIO PERCENTAGE BAND CUM.

9.90 9.90 692.22 0.03 9.93 30.07 0.11 10.04 58.25 0.18 10.21 86.93 0.20 10.41 39.29 0.18 10.59 38.42 0.43 11.02 59.10 0.27 11.30 30.70 0.28 11.58 33.79 0.12 11.70 18.17 0.10 11.79 13.28 0.66 12.45 72.41 0.25 12.70 32.59 1.87 14.57 139.87 0.61 15.18 52.88 4.88 20.06 184.38 12.30 32.35 404.71 5.97 38.32 432.36 21.76 60.08 899.94 39.92 100.00 1,268,75

692.22 655.12 590.71 536.78 433.71 367.70 305.69 251.16 217.16 195.46 176.00 163.60 151.56 149.96 139.58 148.35 195.38 213.61 295.12 425.45

425.45

Page 105 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: LOST OF PROFIT (LOP)

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: All Code

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 1 11 2 1 16 15 7 17 10 6 5 5 10 9 13 22 25 10 15 12

212

1 12 14 15 31 46 53 70 80 86 91 96 106 115 128 150 175 185 200 212

0.47 0.47 5.19 5.66 0.94 6.60 0.47 7.08 7.55 14.62 7.08 21.70 3.30 25.00 8.02 33.02 4.72 37.74 2.83 40.57 2.36 42.92 2.36 45.28 4.72 50.00 4.25 54.25 6.13 60.38 10.38 70.75 11.79 82.55 4.72 87.26 7.08 94.34 5.66 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 0.10 9.91 0.60 0.00 7.22 5.32 8.98 23.02 7.41 11.60 3.52 (0,33) 33.32 35.50 57.86 36.28 137.15 (119,67) 33.99 14.76 306.56

0.10 10.01 10.61 10.61 17.83 23.15 32.14 55.16 62.58 74.18 77.70 77.37 110.69 146.18 204.04 240.32 377.47 257.81 291.79 306.56

0.03 0.03 3.23 3.27 0.20 3.46 0.00 3.46 2.35 5.82 1.74 7.55 2.93 10.48 7.51 17.99 2.42 20.41 3.78 24.20 1.15 25.35 (0,11) 25.24 10.87 36.11 11.58 47.69 18.87 66.56 11.83 78.39 44.74 123.13 (39,04) 84.10 11.09 95.18 4.82 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 4 0 0 0 0 0 0 0 4 8

0 0.00 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 4 50.00 50.00 4 0.00 50.00 4 0.00 50.00 4 0.00 50.00 4 0.00 50.00 4 0.00 50.00 4 0.00 50.00 4 0.00 50.00 8 50.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 150.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,359.72 1,510.01

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 150.29 150.29 150.29 150.29 150.29 150.29 150.29 150.29 1,510.01

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.95 9.95 0.00 9.95 0.00 9.95 0.00 9.95 0.00 9.95 0.00 9.95 0.00 9.95 0.00 9.95 90.05 100.00

01/01/2009

15/06/2011

15/10/2011

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 (45,214,48) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9,211,48

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 194.26 135.79 102.81 73.66 62.54 39.82 58.30 51.51 492.57

492.57

Page 106 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: EARTHQUAKE

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: All Code

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 15,076 5,471 8,995 6,025 8,411 6,048 5,622 5,666 3,831 2,545 2,168 3,049 2,326 3,441 2,446 4,286 4,167 2,129 2,646 967 95,315

15,076 20,547 29,542 35,567 43,978 50,026 55,648 61,314 65,145 67,690 69,858 72,907 75,233 78,674 81,120 85,406 89,573 91,702 94,348 95,315

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

15.82 15.82 42,799.80 5.74 21.56 1,917.83 9.44 30.99 2,886.94 6.32 37.32 2,555.09 8.82 46.14 4,598.72 6.35 52.48 4,727.77 5.90 58.38 5,766.58 5.94 64.33 7,647.58 4.02 68.35 7,144.78 2.67 71.02 5,465.56 2.27 73.29 6,280.98 3.20 76.49 9,468.09 2.44 78.93 8,141.03 3.61 82.54 13,638.43 2.57 85.11 13,050.45 4.50 89.60 39,473.78 4.37 93.98 46,369.51 2.23 96.21 27,019.47 2.78 98.99 48,295.40 1.01 100.00 186,083.50 483,331.29

42,799.80 44,717.63 47,604.56 50,159.66 54,758.38 59,486.15 65,252.73 72,900.31 80,045.09 85,510.65 91,791.63 101,259.72 109,400.75 123,039.18 136,089.63 175,563.41 221,932.92 248,952.38 297,247.79 483,331.29

8.86 8.86 0.40 9.25 0.60 9.85 0.53 10.38 0.95 11.33 0.98 12.31 1.19 13.50 1.58 15.08 1.48 16.56 1.13 17.69 1.30 18.99 1.96 20.95 1.68 22.63 2.82 25.46 2.70 28.16 8.17 36.32 9.59 45.92 5.59 51.51 9.99 61.50 38.50 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 151 66 191 152 240 156 111 91 103 61 94 94 96 65 77 80 69 39 44 4 1,984

151 217 408 560 800 956 1,067 1,158 1,261 1,322 1,416 1,510 1,606 1,671 1,748 1,828 1,897 1,936 1,980 1,984

DATE

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

7.61 7.61 8,840.85 8,840.85 3.33 10.94 928.39 9,769.24 9.63 20.56 2,705.22 12,474.46 7.66 28.23 4,966.23 17,440.69 12.10 40.32 20,525.41 37,966.11 7.86 48.19 16,401.38 54,367.48 5.59 53.78 7,997.34 62,364.82 4.59 58.37 4,190.17 66,554.99 5.19 63.56 9,663.33 76,218.32 3.07 66.63 6,091.51 82,309.82 4.74 71.37 3,493.67 85,803.49 4.74 76.11 8,577.34 94,380.84 4.84 80.95 7,689.52 102,070.35 3.28 84.22 7,836.45 109,906.80 3.88 88.10 11,073.52 120,980.32 4.03 92.14 13,468.05 134,448.37 3.48 95.61 67,653.25 202,101.62 1.97 97.58 11,973.22 214,074.84 2.22 99.80 306,755.00 520,829.85 0.20 100.00 36.99 520,866.83 520,866.83

1.70 1.70 0.18 1.88 0.52 2.39 0.95 3.35 3.94 7.29 3.15 10.44 1.54 11.97 0.80 12.78 1.86 14.63 1.17 15.80 0.67 16.47 1.65 18.12 1.48 19.60 1.50 21.10 2.13 23.23 2.59 25.81 12.99 38.80 2.30 41.10 58.89 99.99 0.01 100.00

01/01/2009

15/06/2011

15/10/2011

LOSS RATIO PERCENTAGE BAND CUM. 20.66 20.66 48.41 21.85 93.71 26.20 194.37 34.77 446.33 69.33 346.92 91.40 138.68 95.57 54.79 91.30 135.25 95.22 111.45 96.26 55.62 93.48 90.59 93.21 94.45 93.30 57.46 89.33 84.85 88.90 34.12 76.58 145.90 91.06 44.31 85.99 635.16 175.22 0.02 107.77 107.77

Page 107 of 204

RISK AND LOSS PROFILE 2009 GROUP BY OCCUPATION CODE

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

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

181 34 74 54 86 47 55 74 61 58 45 76 49 74 59 108 193 143 202 113

1,371.41 5.28 33.33 53.16 65.90 71.60 94.36 190.93 150.03 149.89 130.85 541.65 253.85 495.21 541.59 1,366.65 1,843.22 1,718.61 1,820.44 3,652.98

4 0 1 0 0 0 1 0 0 0 0 0 8 4 3 6 4 15 43 41

1,786

181 215 289 343 429 476 531 605 666 724 769 845 894 968 1,027 1,135 1,328 1,471 1,673 1,786

10.13 10.13 1.90 12.04 4.14 16.18 3.02 19.20 4.82 24.02 2.63 26.65 3.08 29.73 4.14 33.87 3.42 37.29 3.25 40.54 2.52 43.06 4.26 47.31 2.74 50.06 4.14 54.20 3.30 57.50 6.05 63.55 10.81 74.36 8.01 82.36 11.31 93.67 6.33 100.00

14,550.92

1,371.41 1,376.69 1,410.02 1,463.17 1,529.07 1,600.67 1,695.03 1,885.96 2,035.99 2,185.88 2,316.73 2,858.37 3,112.23 3,607.43 4,149.02 5,515.67 7,358.89 9,077.50 10,897.95 14,550.92

9.42 9.42 0.04 9.46 0.23 9.69 0.37 10.06 0.45 10.51 0.49 11.00 0.65 11.65 1.31 12.96 1.03 13.99 1.03 15.02 0.90 15.92 3.72 19.64 1.74 21.39 3.40 24.79 3.72 28.51 9.39 37.91 12.67 50.57 11.81 62.38 12.51 74.90 25.10 100.00

130

4 4 5 5 5 5 6 6 6 6 6 6 14 18 21 27 31 46 89 130

3.08 3.08 0.00 3.08 0.77 3.85 0.00 3.85 0.00 3.85 0.00 3.85 0.77 4.62 0.00 4.62 0.00 4.62 0.00 4.62 0.00 4.62 0.00 4.62 6.15 10.77 3.08 13.85 2.31 16.15 4.62 20.77 3.08 23.85 11.54 35.38 33.08 68.46 31.54 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,934.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 379.55 84.97 312.88 121.28 17.17 2,977.02 5,777.49 31,689.64 43,294.09

1,934.09 1,934.09 1,934.09 1,934.09 1,934.09 1,934.09 1,934.09 1,934.09 1,934.09 1,934.09 1,934.09 1,934.09 2,313.64 2,398.61 2,711.49 2,832.77 2,849.94 5,826.96 11,604.44 43,294.09

4.47 4.47 0.00 4.47 0.00 4.47 0.00 4.47 0.00 4.47 0.00 4.47 0.00 4.47 0.00 4.47 0.00 4.47 0.00 4.47 0.00 4.47 0.00 4.47 0.88 5.34 0.20 5.54 0.72 6.26 0.28 6.54 0.04 6.58 6.88 13.46 13.34 26.80 73.20 100.00

LOSS RATIO PERCENTAGE BAND CUM. 141.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 149.52 17.16 57.77 8.87 0.93 173.22 317.37 867.50

141.03 140.49 137.17 132.18 126.49 120.83 114.10 102.55 94.99 88.48 83.48 67.66 74.34 66.49 65.35 51.36 38.73 64.19 106.48 297.53

297.53

Page 108 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 21

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

Stone, Earth, (Animal) Bones or Shells (Batuan, Tanah, Tulang/Rangka Hewan)

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 836 111 112 104 135 86 121 97 108 61 73 68 65 111 65 172 217 111 237 93 2,983

836 947 1,059 1,163 1,298 1,384 1,505 1,602 1,710 1,771 1,844 1,912 1,977 2,088 2,153 2,325 2,542 2,653 2,890 2,983

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

28.03 28.03 932.19 932.19 3.72 31.75 31.43 963.62 3.75 35.50 56.77 1,020.39 3.49 38.99 66.98 1,087.37 4.53 43.51 141.29 1,228.66 2.88 46.40 93.85 1,322.51 4.06 50.45 153.96 1,476.47 3.25 53.70 219.18 1,695.65 3.62 57.32 283.11 1,978.76 2.04 59.37 204.83 2,183.59 2.45 61.82 388.97 2,572.56 2.28 64.10 326.90 2,899.46 2.18 66.28 325.29 3,224.75 3.72 70.00 639.71 3,864.46 2.18 72.18 555.11 4,419.57 5.77 77.94 1,590.12 6,009.69 7.27 85.22 2,822.81 8,832.51 3.72 88.94 1,221.75 10,054.26 7.95 96.88 4,100.56 14,154.82 3.12 100.00 182,420.89 196,575.72 196,575.72

0.47 0.47 0.02 0.49 0.03 0.52 0.03 0.55 0.07 0.63 0.05 0.67 0.08 0.75 0.11 0.86 0.14 1.01 0.10 1.11 0.20 1.31 0.17 1.47 0.17 1.64 0.33 1.97 0.28 2.25 0.81 3.06 1.44 4.49 0.62 5.11 2.09 7.20 92.80 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 24 0 0 2 0 0 4 4 0 2 6 0 0 1 7 6 11 10 13 20 110

24 24 24 26 26 26 30 34 34 36 42 42 42 43 50 56 67 77 90 110

21.82 21.82 0.00 21.82 0.00 21.82 1.82 23.64 0.00 23.64 0.00 23.64 3.64 27.27 3.64 30.91 0.00 30.91 1.82 32.73 5.45 38.18 0.00 38.18 0.00 38.18 0.91 39.09 6.36 45.45 5.45 50.91 10.00 60.91 9.09 70.00 11.82 81.82 18.18 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 3,214.49 0.00 0.00 9.93 0.00 0.00 371.55 31.57 0.00 809.05 151.75 0.00 0.00 0.00 77.93 159.10 2,023.78 53,781.77 561.54 3,235.01 64,427.47

3,214.49 3,214.49 3,214.49 3,224.42 3,224.42 3,224.42 3,595.97 3,627.54 3,627.54 4,436.59 4,588.34 4,588.34 4,588.34 4,588.34 4,666.26 4,825.36 6,849.15 60,630.92 61,192.46 64,427.47

4.99 4.99 0.00 4.99 0.00 4.99 0.02 5.00 0.00 5.00 0.00 5.00 0.58 5.58 0.05 5.63 0.00 5.63 1.26 6.89 0.24 7.12 0.00 7.12 0.00 7.12 0.00 7.12 0.12 7.24 0.25 7.49 3.14 10.63 83.48 94.11 0.87 94.98 5.02 100.00

LOSS RATIO PERCENTAGE BAND CUM. 344.83 0.00 0.00 14.83 0.00 0.00 241.33 14.40 0.00 394.98 39.01 0.00 0.00 0.00 14.04 10.01 71.69 4,402,02 13.69 1.77

344.83 333.58 315.03 296.53 262.43 243.81 243.55 213.93 183.32 203.18 178.36 158.25 142.29 118.73 105.58 80.29 77.54 603.04 432.31 32.77

32.77

Page 109 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 22

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

Metals (Logam)

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,592 306 495 464 687 521 533 651 476 386 268 498 381 646 413 771 924 475 771 425 11,683

1,592 1,898 2,393 2,857 3,544 4,065 4,598 5,249 5,725 6,111 6,379 6,877 7,258 7,904 8,317 9,088 10,012 10,487 11,258 11,683

13.63 13.63 2.62 16.25 4.24 20.48 3.97 24.45 5.88 30.33 4.46 34.79 4.56 39.36 5.57 44.93 4.07 49.00 3.30 52.31 2.29 54.60 4.26 58.86 3.26 62.12 5.53 67.65 3.54 71.19 6.60 77.79 7.91 85.70 4.07 89.76 6.60 96.36 3.64 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5,661.14 136.77 192.79 234.65 455.54 686.64 779.90 1,204.49 1,075.04 982.34 821.53 1,810.40 2,057.13 3,826.36 2,991.52 8,125.02 11,241.35 4,936.70 11,749.06 4,385.51 63,353.88

5,661.14 5,797.91 5,990.70 6,225.35 6,680.89 7,367.53 8,147.43 9,351.92 10,426.96 11,409.30 12,230.83 14,041.23 16,098.36 19,924.72 22,916.24 31,041.26 42,282.61 47,219.31 58,968.37 63,353.88

8.94 8.94 0.22 9.15 0.30 9.46 0.37 9.83 0.72 10.55 1.08 11.63 1.23 12.86 1.90 14.76 1.70 16.46 1.55 18.01 1.30 19.31 2.86 22.16 3.25 25.41 6.04 31.45 4.72 36.17 12.82 49.00 17.74 66.74 7.79 74.53 18.55 93.08 6.92 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 86 0 2 0 0 1 5 15 1 0 2 14 15 22 11 37 27 54 74 51 417

86 86 88 88 88 89 94 109 110 110 112 126 141 163 174 211 238 292 366 417

20.62 20.62 0.00 20.62 0.48 21.10 0.00 21.10 0.00 21.10 0.24 21.34 1.20 22.54 3.60 26.14 0.24 26.38 0.00 26.38 0.48 26.86 3.36 30.22 3.60 33.81 5.28 39.09 2.64 41.73 8.87 50.60 6.47 57.07 12.95 70.02 17.75 87.77 12.23 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 63,565.51 63,565.51 0.00 63,565.51 7.50 63,573.01 0.00 63,573.01 0.00 63,573.01 1.32 63,574.33 284.47 63,858.80 1,553.33 65,412.14 0.00 65,412.14 0.00 65,412.14 21.75 65,433.88 2,055.08 67,488.97 452.37 67,941.34 510.08 68,451.42 368.88 68,820.30 1,489.75 70,310.05 17,250.07 87,560.12 2,717.44 90,277.56 77,140.96 167,418.53 3,845.00 171,263.52 171,263.52

37.12 37.12 0.00 37.12 0.00 37.12 0.00 37.12 0.00 37.12 0.00 37.12 0.17 37.29 0.91 38.19 0.00 38.19 0.00 38.19 0.01 38.21 1.20 39.41 0.26 39.67 0.30 39.97 0.22 40.18 0.87 41.05 10.07 51.13 1.59 52.71 45.04 97.75 2.25 100.00

LOSS RATIO PERCENTAGE BAND CUM. 1,122,84 0.00 3.89 0.00 0.00 0.19 36.48 128.96 0.00 0.00 2.65 113.52 21.99 13.33 12.33 18.34 153.45 55.05 656.57 87.68

1,122,84 1,096,35 1,061,19 1,021,20 951.57 862.90 783.79 699.45 627.34 573.32 534.99 480.65 422.04 343.55 300.31 226.51 207.08 191.19 283.91 270.33

270.33

Page 110 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 23

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

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

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,451 179 384 380 689 654 735 855 704 484 505 731 618 976 584 1,258 1,170 634 813 335 14,139

1,451 1,630 2,014 2,394 3,083 3,737 4,472 5,327 6,031 6,515 7,020 7,751 8,369 9,345 9,929 11,187 12,357 12,991 13,804 14,139

10.26 10.26 1.27 11.53 2.72 14.24 2.69 16.93 4.87 21.80 4.63 26.43 5.20 31.63 6.05 37.68 4.98 42.66 3.42 46.08 3.57 49.65 5.17 54.82 4.37 59.19 6.90 66.09 4.13 70.22 8.90 79.12 8.27 87.40 4.48 91.88 5.75 97.63 2.37 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 15,681.97 181.45 460.87 492.26 1,006.50 1,157.04 1,622.07 2,357.94 2,383.01 2,052.20 2,813.28 3,674.65 3,690.70 7,392.62 5,385.41 14,594.25 17,390.28 7,901.00 14,670.49 20,595.03 125,503.01

15,681.97 15,863.42 16,324.29 16,816.55 17,823.05 18,980.08 20,602.16 22,960.10 25,343.11 27,395.31 30,208.59 33,883.24 37,573.94 44,966.56 50,351.96 64,946.21 82,336.49 90,237.49 104,907.98 125,503.01

12.50 12.50 0.14 12.64 0.37 13.01 0.39 13.40 0.80 14.20 0.92 15.12 1.29 16.42 1.88 18.29 1.90 20.19 1.64 21.83 2.24 24.07 2.93 27.00 2.94 29.94 5.89 35.83 4.29 40.12 11.63 51.75 13.86 65.61 6.30 71.90 11.69 83.59 16.41 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 84 5 0 9 6 5 4 21 9 9 9 4 11 49 40 60 151 51 87 7 621

84 89 89 98 104 109 113 134 143 152 161 165 176 225 265 325 476 527 614 621

13.53 13.53 0.81 14.33 0.00 14.33 1.45 15.78 0.97 16.75 0.81 17.55 0.64 18.20 3.38 21.58 1.45 23.03 1.45 24.48 1.45 25.93 0.64 26.57 1.77 28.34 7.89 36.23 6.44 42.67 9.66 52.33 24.32 76.65 8.21 84.86 14.01 98.87 1.13 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 24,959.80 73.62 0.00 680.24 440.62 816.30 6.22 3,363.46 1,822.77 24.36 547.40 72.19 1,245.44 4,527.11 8,861.34 8,306.11 12,577.81 2,323.18 9,970.17 96.69 80,714.81

24,959.80 25,033.42 25,033.42 25,713.66 26,154.28 26,970.58 26,976.79 30,340.25 32,163.02 32,187.38 32,734.78 32,806.97 34,052.40 38,579.51 47,440.85 55,746.96 68,324.77 70,647.95 80,618.12 80,714.81

30.92 30.92 0.09 31.01 0.00 31.01 0.84 31.86 0.55 32.40 1.01 33.41 0.01 33.42 4.17 37.59 2.26 39.85 0.03 39.88 0.68 40.56 0.09 40.65 1.54 42.19 5.61 47.80 10.98 58.78 10.29 69.07 15.58 84.65 2.88 87.53 12.35 99.88 0.12 100.00

LOSS RATIO PERCENTAGE BAND CUM. 159.16 40.57 0.00 138.18 43.78 70.55 0.38 142.64 76.49 1.19 19.46 1.96 33.75 61.24 164.54 56.91 72.33 29.40 67.96 0.47

159.16 157.81 153.35 152.91 146.74 142.10 130.94 132.14 126.91 117.49 108.36 96.82 90.63 85.80 94.22 85.84 82.98 78.29 76.85 64.31

64.31

Page 111 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 24

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

Textiles (Tekstil)

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,939 818 1,642 1,258 1,807 1,217 992 1,016 728 490 411 498 347 628 416 854 869 527 912 241 17,610

1,939 2,757 4,399 5,657 7,464 8,681 9,673 10,689 11,417 11,907 12,318 12,816 13,163 13,791 14,207 15,061 15,930 16,457 17,369 17,610

11.01 11.01 4.65 15.66 9.32 24.98 7.14 32.12 10.26 42.39 6.91 49.30 5.63 54.93 5.77 60.70 4.13 64.83 2.78 67.61 2.33 69.95 2.83 72.78 1.97 74.75 3.57 78.31 2.36 80.68 4.85 85.53 4.93 90.46 2.99 93.45 5.18 98.63 1.37 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,246.58 331.90 953.58 1,141.41 2,517.36 2,187.44 2,391.58 3,165.86 2,708.35 2,048.40 1,952.63 2,875.41 2,106.84 4,244.77 3,734.29 9,955.91 12,042.00 7,057.55 11,844.24 4,447.43 83,953.50

6,246.58 6,578.49 7,532.06 8,673.48 11,190.84 13,378.28 15,769.86 18,935.71 21,644.06 23,692.46 25,645.08 28,520.50 30,627.33 34,872.10 38,606.39 48,562.29 60,604.29 67,661.84 79,506.07 83,953.50

7.44 7.44 0.40 7.84 1.14 8.97 1.36 10.33 3.00 13.33 2.61 15.94 2.85 18.78 3.77 22.56 3.23 25.78 2.44 28.22 2.33 30.55 3.43 33.97 2.51 36.48 5.06 41.54 4.45 45.99 11.86 57.84 14.34 72.19 8.41 80.59 14.11 94.70 5.30 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 151 5 11 10 20 12 9 19 6 12 0 19 15 21 31 80 94 76 184 33 808

151 156 167 177 197 209 218 237 243 255 255 274 289 310 341 421 515 591 775 808

18.69 18.69 0.62 19.31 1.36 20.67 1.24 21.91 2.48 24.38 1.49 25.87 1.11 26.98 2.35 29.33 0.74 30.07 1.49 31.56 0.00 31.56 2.35 33.91 1.86 35.77 2.60 38.37 3.84 42.20 9.90 52.10 11.63 63.74 9.41 73.14 22.77 95.92 4.08 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 6,777.01 27.36 441.82 158.70 1,854.43 957.04 813.63 510.11 552.55 346.27 0.00 906.59 195.01 1,359.44 21.24 11,967.49 4,440.12 23,857.14 38,142.59 3,852.04 97,180.59

6,777.01 6,804.36 7,246.18 7,404.88 9,259.31 10,216.36 11,029.99 11,540.10 12,092.65 12,438.92 12,438.92 13,345.51 13,540.52 14,899.96 14,921.20 26,888.69 31,328.81 55,185.95 93,328.55 97,180.59

6.97 6.97 0.03 7.00 0.45 7.46 0.16 7.62 1.91 9.53 0.98 10.51 0.84 11.35 0.52 11.87 0.57 12.44 0.36 12.80 0.00 12.80 0.93 13.73 0.20 13.93 1.40 15.33 0.02 15.35 12.31 27.67 4.57 32.24 24.55 56.79 39.25 96.04 3.96 100.00

LOSS RATIO PERCENTAGE BAND CUM. 108.49 8.24 46.33 13.90 73.67 43.75 34.02 16.11 20.40 16.90 0.00 31.53 9.26 32.03 0.57 120.20 36.87 338.04 322.04 86.61

108.49 103.43 96.20 85.37 82.74 76.37 69.94 60.94 55.87 52.50 48.50 46.79 44.21 42.73 38.65 55.37 51.69 81.56 117.39 115.76

115.76

Page 112 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 25

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

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

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,208 502 912 761 1,064 801 676 756 616 405 386 394 334 565 400 723 704 436 451 173 12,267

1,208 1,710 2,622 3,383 4,447 5,248 5,924 6,680 7,296 7,701 8,087 8,481 8,815 9,380 9,780 10,503 11,207 11,643 12,094 12,267

9.85 9.85 4.09 13.94 7.43 21.37 6.20 27.58 8.67 36.25 6.53 42.78 5.51 48.29 6.16 54.46 5.02 59.48 3.30 62.78 3.15 65.92 3.21 69.14 2.72 71.86 4.61 76.47 3.26 79.73 5.89 85.62 5.74 91.36 3.55 94.91 3.68 98.59 1.41 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,446.40 6,446.40 357.81 6,804.21 644.87 7,449.08 732.31 8,181.39 1,551.90 9,733.29 1,589.94 11,323.24 1,704.42 13,027.65 2,656.21 15,683.87 2,714.02 18,397.89 2,449.31 20,847.19 2,387.06 23,234.25 2,839.34 26,073.59 2,522.42 28,596.01 4,879.24 33,475.25 4,902.24 38,377.50 10,230.71 48,608.21 12,818.48 61,426.69 5,970.71 67,397.39 9,947.43 77,344.83 22,947.72 100,292.55 100,292.55

6.43 6.43 0.36 6.78 0.64 7.43 0.73 8.16 1.55 9.70 1.59 11.29 1.70 12.99 2.65 15.64 2.71 18.34 2.44 20.79 2.38 23.17 2.83 26.00 2.52 28.51 4.87 33.38 4.89 38.27 10.20 48.47 12.78 61.25 5.95 67.20 9.92 77.12 22.88 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 134 8 7 10 4 2 2 11 18 16 6 15 14 8 7 19 44 55 46 39 465

134 142 149 159 163 165 167 178 196 212 218 233 247 255 262 281 325 380 426 465

28.82 28.82 1.72 30.54 1.51 32.04 2.15 34.19 0.86 35.05 0.43 35.48 0.43 35.91 2.37 38.28 3.87 42.15 3.44 45.59 1.29 46.88 3.23 50.11 3.01 53.12 1.72 54.84 1.51 56.34 4.09 60.43 9.46 69.89 11.83 81.72 9.89 91.61 8.39 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 10,562.24 10,562.24 102.25 10,664.49 112.58 10,777.07 172.51 10,949.58 10.72 10,960.30 38.06 10,998.36 925.00 11,923.36 63.83 11,987.19 1,746.00 13,733.19 1,159.13 14,892.31 52.96 14,945.27 273.16 15,218.43 2,803.40 18,021.83 942.14 18,963.97 146.89 19,110.87 638.73 19,749.59 16,275.66 36,025.25 19,013.08 55,038.33 30,228.55 85,266.89 23,300.10 108,566.98 108,566.98

9.73 9.73 0.09 9.82 0.10 9.93 0.16 10.09 0.01 10.10 0.04 10.13 0.85 10.98 0.06 11.04 1.61 12.65 1.07 13.72 0.05 13.77 0.25 14.02 2.58 16.60 0.87 17.47 0.14 17.60 0.59 18.19 14.99 33.18 17.51 50.70 27.84 78.54 21.46 100.00

LOSS RATIO PERCENTAGE BAND CUM. 163.85 28.58 17.46 23.56 0.69 2.39 54.27 2.40 64.33 47.32 2.22 9.62 111.14 19.31 3.00 6.24 126.97 318.44 303.88 101.54

163.85 156.73 144.68 133.84 112.61 97.13 91.52 76.43 74.65 71.44 64.32 58.37 63.02 56.65 49.80 40.63 58.65 81.66 110.24 108.25

108.25

Page 113 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 26

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

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

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,057 604 743 525 635 506 443 551 396 272 200 340 202 372 320 567 660 277 350 24 9,044

1,057 1,661 2,404 2,929 3,564 4,070 4,513 5,064 5,460 5,732 5,932 6,272 6,474 6,846 7,166 7,733 8,393 8,670 9,020 9,044

11.69 11.69 6.68 18.37 8.22 26.58 5.80 32.39 7.02 39.41 5.59 45.00 4.90 49.90 6.09 55.99 4.38 60.37 3.01 63.38 2.21 65.59 3.76 69.35 2.23 71.58 4.11 75.70 3.54 79.23 6.27 85.50 7.30 92.80 3.06 95.86 3.87 99.73 0.27 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,924.95 463.98 1,362.33 1,530.22 1,926.35 1,615.19 2,027.51 2,861.91 2,583.08 2,029.23 2,720.76 3,235.62 2,726.43 5,693.01 5,462.13 11,876.14 14,129.16 5,349.49 6,215.12 357.29 81,089.87

6,924.95 7,388.93 8,751.26 10,281.48 12,207.82 13,823.01 15,850.52 18,712.42 21,295.51 23,324.74 26,045.50 29,281.12 32,007.55 37,700.56 43,162.68 55,038.82 69,167.98 74,517.47 80,732.58 81,089.87

8.54 8.54 0.57 9.11 1.68 10.79 1.89 12.68 2.38 15.05 1.99 17.05 2.50 19.55 3.53 23.08 3.19 26.26 2.50 28.76 3.36 32.12 3.99 36.11 3.36 39.47 7.02 46.49 6.74 53.23 14.65 67.87 17.42 85.30 6.60 91.89 7.66 99.56 0.44 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 56 8 6 4 8 6 10 7 2 3 2 6 6 17 10 36 25 36 48 3 299

56 64 70 74 82 88 98 105 107 110 112 118 124 141 151 187 212 248 296 299

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

18.73 18.73 6,644.08 2.68 21.40 88.94 2.01 23.41 83.53 1.34 24.75 333.97 2.68 27.42 511.26 2.01 29.43 235.40 3.34 32.78 742.78 2.34 35.12 4,147.82 0.67 35.79 575.35 1.00 36.79 265.86 0.67 37.46 9.00 2.01 39.46 261.29 2.01 41.47 337.94 5.69 47.16 512.05 3.34 50.50 749.45 12.04 62.54 70,091.73 8.36 70.90 36,132.53 12.04 82.94 7,192.61 16.05 99.00 29,539.42 1.00 100.00 68.55 158,523.57

6,644.08 6,733.02 6,816.55 7,150.52 7,661.78 7,897.19 8,639.97 12,787.79 13,363.13 13,629.00 13,638.00 13,899.28 14,237.23 14,749.28 15,498.73 85,590.46 121,723.00 128,915.60 158,455.02 158,523.57

4.19 4.19 0.06 4.25 0.05 4.30 0.21 4.51 0.32 4.83 0.15 4.98 0.47 5.45 2.62 8.07 0.36 8.43 0.17 8.60 8.60 0.01 0.16 8.77 0.21 8.98 0.32 9.30 0.47 9.78 44.22 53.99 22.79 76.79 4.54 81.32 18.63 99.96 0.04 100.00

LOSS RATIO PERCENTAGE BAND CUM. 95.94 19.17 6.13 21.82 26.54 14.57 36.64 144.93 22.27 13.10 0.33 8.08 12.40 8.99 13.72 590.19 255.73 134.45 475.28 19.19

95.94 91.12 77.89 69.55 62.76 57.13 54.51 68.34 62.75 58.43 52.36 47.47 44.48 39.12 35.91 155.51 175.98 173.00 196.27 195.49

195.49

Page 114 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

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

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 8,871 3,033 3,004 1,974 2,335 1,606 1,188 1,438 976 717 643 1,042 687 1,282 785 1,974 2,247 1,264 1,366 555 36,987

8,871 11,904 14,908 16,882 19,217 20,823 22,011 23,449 24,425 25,142 25,785 26,827 27,514 28,796 29,581 31,555 33,802 35,066 36,432 36,987

23.98 23.98 8.20 32.18 8.12 40.31 5.34 45.64 6.31 51.96 4.34 56.30 3.21 59.51 3.89 63.40 2.64 66.04 1.94 67.98 1.74 69.71 2.82 72.53 1.86 74.39 3.47 77.85 2.12 79.98 5.34 85.31 6.08 91.39 3.42 94.81 3.69 98.50 1.50 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 13,352.83 13,352.83 877.16 14,230.00 1,687.59 15,917.59 1,200.70 17,118.29 2,149.47 19,267.76 2,294.18 21,561.94 1,965.93 23,527.87 3,108.22 26,636.09 2,600.98 29,237.08 2,009.12 31,246.19 2,199.51 33,445.70 4,382.54 37,828.24 3,342.58 41,170.82 6,197.35 47,368.17 5,486.98 52,855.15 22,369.71 75,224.86 18,678.27 93,903.13 9,346.11 103,249.24 9,040.76 112,290.00 2,845.85 115,135.85 115,135.85

11.60 11.60 0.76 12.36 1.47 13.83 1.04 14.87 1.87 16.73 1.99 18.73 1.71 20.43 2.70 23.13 2.26 25.39 1.74 27.14 1.91 29.05 3.81 32.86 2.90 35.76 5.38 41.14 4.77 45.91 19.43 65.34 16.22 81.56 8.12 89.68 7.85 97.53 2.47 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 135 135 34 169 23 192 16 208 28 236 38 274 12 286 54 340 9 349 14 363 15 378 30 408 22 430 90 520 30 550 247 797 110 907 91 998 132 1,130 54 1,184 1,184

11.40 11.40 2.87 14.27 1.94 16.22 1.35 17.57 2.36 19.93 3.21 23.14 1.01 24.16 4.56 28.72 0.76 29.48 1.18 30.66 1.27 31.93 2.53 34.46 1.86 36.32 7.60 43.92 2.53 46.45 20.86 67.31 9.29 76.60 7.69 84.29 11.15 95.44 4.56 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 5,020.31 456.91 150.92 304.37 1,102.04 120.70 1,286.80 3,621.76 26.25 19.53 528.09 1,020.75 367.52 9,968.74 1,453.16 22,070.09 22,269.26 4,210.14 11,877.81 2,097.94 87,973.10

5,020.31 5,477.22 5,628.14 5,932.52 7,034.56 7,155.26 8,442.06 12,063.83 12,090.08 12,109.61 12,637.70 13,658.45 14,025.96 23,994.70 25,447.86 47,517.95 69,787.21 73,997.35 85,875.16 87,973.10

5.71 5.71 0.52 6.23 0.17 6.40 0.35 6.74 1.25 8.00 0.14 8.13 1.46 9.60 4.12 13.71 0.03 13.74 0.02 13.77 0.60 14.37 1.16 15.53 0.42 15.94 11.33 27.28 1.65 28.93 25.09 54.01 25.31 79.33 4.79 84.11 13.50 97.62 2.38 100.00

LOSS RATIO PERCENTAGE BAND CUM. 37.60 52.09 8.94 25.35 51.27 5.26 65.46 116.52 1.01 0.97 24.01 23.29 10.99 160.85 26.48 98.66 119.23 45.05 131.38 73.72

37.60 38.49 35.36 34.66 36.51 33.18 35.88 45.29 41.35 38.76 37.79 36.11 34.07 50.66 48.15 63.17 74.32 71.67 76.48 76.41

76.41

Page 115 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 28

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

Power and Heating (Pembangkit Tenaga dan Pemanas)

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 125 12 15 9 17 44 108 76 30 14 11 28 7 30 44 63 77 39 90 201 1,040

125 137 152 161 178 222 330 406 436 450 461 489 496 526 570 633 710 749 839 1,040

12.02 12.02 1.15 13.17 1.44 14.62 0.87 15.48 1.63 17.12 4.23 21.35 10.38 31.73 7.31 39.04 2.88 41.92 1.35 43.27 1.06 44.33 2.69 47.02 0.67 47.69 2.88 50.58 4.23 54.81 6.06 60.87 7.40 68.27 3.75 72.02 8.65 80.67 19.33 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

1,007.80 37.67 3.12 3.34 10.90 24.08 87.87 71.48 27.97 20.00 25.29 74.62 19.22 147.56 372.05 611.95 1,526.55 431.26 1,918.68 2,768.57

4 0 0 0 0 0 0 0 0 0 0 0 0 0 10 0 3 0 11 9

9,189.99

1,007.80 1,045.47 1,048.59 1,051.94 1,062.84 1,086.92 1,174.79 1,246.27 1,274.24 1,294.24 1,319.54 1,394.16 1,413.38 1,560.94 1,932.99 2,544.93 4,071.48 4,502.75 6,421.43 9,189.99

10.97 10.97 0.41 11.38 0.03 11.41 0.04 11.45 0.12 11.57 0.26 11.83 0.96 12.78 0.78 13.56 0.30 13.87 0.22 14.08 0.28 14.36 0.81 15.17 0.21 15.38 1.61 16.99 4.05 21.03 6.66 27.69 16.61 44.30 4.69 49.00 20.88 69.87 30.13 100.00

4 4 4 4 4 4 4 4 4 4 4 4 4 4 14 14 17 17 28 37

10.81 10.81 0.00 10.81 0.00 10.81 0.00 10.81 0.00 10.81 0.00 10.81 0.00 10.81 0.00 10.81 0.00 10.81 0.00 10.81 0.00 10.81 0.00 10.81 0.00 10.81 0.00 10.81 27.03 37.84 0.00 37.84 8.11 45.95 0.00 45.95 29.73 75.68 24.32 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 313.29 313.29 0.00 313.29 0.00 313.29 0.00 313.29 0.00 313.29 0.00 313.29 0.00 313.29 0.00 313.29 0.00 313.29 0.00 313.29 0.00 313.29 0.00 313.29 0.00 313.29 0.00 313.29 597.17 910.45 0.00 910.45 866.72 1,777.17 0.00 1,777.17 340.31 2,117.48 77,268.45 79,385.94 79,385.94

0.39 0.39 0.00 0.39 0.00 0.39 0.00 0.39 0.00 0.39 0.00 0.39 0.00 0.39 0.00 0.39 0.00 0.39 0.00 0.39 0.00 0.39 0.00 0.39 0.00 0.39 0.00 0.39 0.75 1.15 0.00 1.15 1.09 2.24 0.00 2.24 0.43 2.67 97.33 100.00

LOSS RATIO PERCENTAGE BAND CUM. 31.09 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 160.51 0.00 56.78 0.00 17.74 2,790,92

31.09 29.97 29.88 29.78 29.48 28.82 26.67 25.14 24.59 24.21 23.74 22.47 22.17 20.07 47.10 35.78 43.65 39.47 32.98 863.83

863.83

Page 116 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 29

DATA POSITION FROM PROCESSING

01/01/2009

15/06/2011

DATE

15/10/2011

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

179,207 155,684 205,863 130,358 147,427 77,166 55,970 43,781 24,007 12,927 9,979 11,631 7,534 9,105 5,461 7,969 5,885 2,537 2,738 786 1,096,015

179,207 334,891 540,754 671,112 818,539 895,705 951,675 995,456 1,019,463 1,032,390 1,042,369 1,054,000 1,061,534 1,070,639 1,076,100 1,084,069 1,089,954 1,092,491 1,095,229 1,096,015

16.35 16.35 14.20 30.56 18.78 49.34 11.89 61.23 13.45 74.68 7.04 81.72 5.11 86.83 3.99 90.83 2.19 93.02 1.18 94.19 0.91 95.11 1.06 96.17 0.69 96.85 0.83 97.68 0.50 98.18 0.73 98.91 0.54 99.45 0.23 99.68 0.25 99.93 0.07 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 77,731.36 32,513.73 74,239.99 72,900.17 126,413.04 95,741.72 97,360.49 95,464.31 68,831.34 45,812.88 43,428.40 51,981.14 40,958.36 57,111.82 40,990.12 78,864.17 66,224.23 34,947.82 49,948.41 77,422.21 1,328,885.68

77,731.36 110,245.09 184,485.07 257,385.24 383,798.28 479,539.99 576,900.49 672,364.79 741,196.13 787,009.01 830,437.41 882,418.55 923,376.91 980,488.73 1,021,478.85 1,100,343.02 1,166,567.25 1,201,515.06 1,251,463.47 1,328,885.68

5.85 5.85 2.45 8.30 5.59 13.88 5.49 19.37 9.51 28.88 7.20 36.09 7.33 43.41 7.18 50.60 5.18 55.78 3.45 59.22 3.27 62.49 3.91 66.40 3.08 69.49 4.30 73.78 3.08 76.87 5.93 82.80 4.98 87.79 2.63 90.42 3.76 94.17 5.83 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

988 357 793 578 761 467 453 425 286 205 215 248 183 294 364 306 546 241 569 752 9,031

988 1,345 2,138 2,716 3,477 3,944 4,397 4,822 5,108 5,313 5,528 5,776 5,959 6,253 6,617 6,923 7,469 7,710 8,279 9,031

10.94 10.94 3.95 14.89 8.78 23.67 6.40 30.07 8.43 38.50 5.17 43.67 5.02 48.69 4.71 53.39 3.17 56.56 2.27 58.83 2.38 61.21 2.75 63.96 2.03 65.98 3.26 69.24 4.03 73.27 3.39 76.66 6.05 82.70 2.67 85.37 6.30 91.67 8.33 100.00

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

132,626.22 132,626.22 7,004.65 139,630.88 19,939.33 159,570.21 21,552.88 181,123.08 42,629.85 223,752.94 31,158.21 254,911.15 33,949.14 288,860.28 13,520.80 302,381.08 24,370.20 326,751.28 16,585.64 343,336.92 13,193.61 356,530.53 21,820.77 378,351.30 20,351.38 398,702.68 38,463.03 437,165.72 15,665.96 452,831.67 38,767.65 491,599.32 306,718.08 798,317.40 46,732.59 845,049.99 718,011.90 1,563,061.89 700,960.37 2,264,022.27 2,264,022.27

LOSS RATIO PERCENTAGE BAND CUM.

5.86 5.86 170.62 0.31 6.17 21.54 0.88 7.05 26.86 0.95 8.00 29.56 1.88 9.88 33.72 1.38 11.26 32.54 1.50 12.76 34.87 0.60 13.36 14.16 1.08 14.43 35.41 0.73 15.16 36.20 30.38 0.58 15.75 0.96 16.71 41.98 0.90 17.61 49.69 1.70 19.31 67.35 0.69 20.00 38.22 1.71 21.71 49.16 13.55 35.26 463.15 2.06 37.33 133.72 31.71 69.04 1,437,51 30.96 100.00 905.37

170.62 126.65 86.49 70.37 58.30 53.16 50.07 44.97 44.08 43.63 42.93 42.88 43.18 44.59 44.33 44.68 68.43 70.33 124.90 170.37

170.37

Page 117 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 30

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

Estate Plantation Risk

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 84 29 35 23 32 50 35 29 29 32 11 42 18 32 15 44 15 2 4 1 562

84 113 148 171 203 253 288 317 346 378 389 431 449 481 496 540 555 557 561 562

14.95 14.95 5.16 20.11 6.23 26.33 4.09 30.43 5.69 36.12 8.90 45.02 6.23 51.25 5.16 56.41 5.16 61.57 5.69 67.26 1.96 69.22 7.47 76.69 3.20 79.89 5.69 85.59 2.67 88.26 7.83 96.09 2.67 98.75 0.36 99.11 0.71 99.82 0.18 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 22.06 15.15 32.85 46.87 179.42 120.24 62.02 94.33 121.89 142.34 66.59 243.34 119.94 234.75 63.85 443.33 572.84 0.00 463.95 0.00 3,045.76

22.06 37.22 70.06 116.94 296.35 416.59 478.62 572.95 694.84 837.19 903.77 1,147.11 1,267.05 1,501.79 1,565.64 2,008.97 2,581.81 2,581.81 3,045.76 3,045.76

0.72 0.72 0.50 1.22 1.08 2.30 1.54 3.84 5.89 9.73 3.95 13.68 2.04 15.71 3.10 18.81 4.00 22.81 4.67 27.49 2.19 29.67 7.99 37.66 3.94 41.60 7.71 49.31 2.10 51.40 14.56 65.96 18.81 84.77 0.00 84.77 15.23 100.00 0.00 100.00

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

0 0 0 0 0 0 0 0 0 0 0 6 6 6 12 18 20 20 20 20

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 30.00 0.00 0.00 30.00 30.00 10.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 30.00 30.00 30.00 60.00 90.00 100.00 100.00 100.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,792.45 0.00 0.00 64.69 73.41 1.78 0.00 0.00 0.00 1,932.33

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,792.45 1,792.45 1,792.45 1,857.14 1,930.55 1,932.33 1,932.33 1,932.33 1,932.33

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 92.76 0.00 0.00 3.35 3.80 0.09 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 92.76 92.76 92.76 96.11 99.91 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 736.62 0.00 0.00 101.31 16.56 0.31 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 156.26 141.47 119.35 118.62 96.10 74.84 74.84 63.44 63.44

63.44

Page 118 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 31

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

Estate Plantation Risk

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

65 41 53 53 90 54 44 45 40 24 24 80 46 76 53 101 147 135 93 26

202.85 38.31 16.20 96.54 51.57 54.49 45.13 136.06 127.08 503.51 143.71 373.29 288.94 348.44 512.10 933.09 2,862.26 1,861.98 803.26 3,524.82

1,290

65 106 159 212 302 356 400 445 485 509 533 613 659 735 788 889 1,036 1,171 1,264 1,290

5.04 5.04 3.18 8.22 4.11 12.33 4.11 16.43 6.98 23.41 4.19 27.60 3.41 31.01 3.49 34.50 3.10 37.60 1.86 39.46 1.86 41.32 6.20 47.52 3.57 51.09 5.89 56.98 4.11 61.09 7.83 68.91 11.40 80.31 10.47 90.78 7.21 97.98 2.02 100.00

12,923.65

202.85 241.16 257.36 353.91 405.48 459.97 505.10 641.16 768.24 1,271.75 1,415.46 1,788.76 2,077.69 2,426.14 2,938.24 3,871.33 6,733.59 8,595.57 9,398.83 12,923.65

1.57 1.57 0.30 1.87 0.13 1.99 0.75 2.74 0.40 3.14 0.42 3.56 0.35 3.91 1.05 4.96 0.98 5.94 3.90 9.84 1.11 10.95 2.89 13.84 2.24 16.08 2.70 18.77 3.96 22.74 7.22 29.96 22.15 52.10 14.41 66.51 6.22 72.73 27.27 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 0 0 0 0 0 0 0 12 0 3 0 6 16 0 6 5 0 0 48

0 0 0 0 0 0 0 0 0 12 12 15 15 21 37 37 43 48 48 48

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25.00 25.00 0.00 25.00 6.25 31.25 0.00 31.25 12.50 43.75 33.33 77.08 0.00 77.08 12.50 89.58 10.42 100.00 0.00 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 281.09 0.00 0.00 0.00 559.18 821.00 0.00 17.46 1,843.30 0.00 0.00 3,522.02

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 281.09 281.09 281.09 281.09 840.27 1,661.27 1,661.27 1,678.72 3,522.02 3,522.02 3,522.02

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.98 7.98 7.98 0.00 0.00 7.98 0.00 7.98 15.88 23.86 23.31 47.17 0.00 47.17 0.50 47.66 52.34 100.00 0.00 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 55.83 0.00 0.00 0.00 160.48 160.32 0.00 0.61 99.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 22.10 19.86 15.71 13.53 34.63 56.54 42.91 24.93 40.97 37.47 27.25

27.25

Page 119 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 32

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

Recreation Place

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 16 26 11 2 12 1 2 16 1 9 1 1 1 28 3 39 13 8 8 1 199

16 42 53 55 67 68 70 86 87 96 97 98 99 127 130 169 182 190 198 199

8.04 8.04 13.07 21.11 5.53 26.63 1.01 27.64 6.03 33.67 0.50 34.17 1.01 35.18 8.04 43.22 0.50 43.72 4.52 48.24 0.50 48.74 0.50 49.25 0.50 49.75 14.07 63.82 1.51 65.33 19.60 84.92 6.53 91.46 4.02 95.48 4.02 99.50 0.50 100.00

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

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

(5,36) 57.82 19.01 1.74 11.26 5.27 3.97 60.63 7.34 63.53 15.27 22.58 1.88 480.75 60.33 664.50 529.75 511.08 2,358.61 1.12

2 2 2 0 0 0 0 0 0 0 0 0 0 10 0 2 9 4 0 0

4,871.08

(5,36) 52.46 71.47 73.21 84.47 89.75 93.72 154.35 161.68 225.22 240.49 263.07 264.95 745.69 806.02 1,470.53 2,000.27 2,511.36 4,869.96 4,871.08

(0,11) (0,11) 1.19 1.08 0.39 1.47 0.04 1.50 0.23 1.73 0.11 1.84 0.08 1.92 1.24 3.17 0.15 3.32 1.30 4.62 0.31 4.94 0.46 5.40 0.04 5.44 9.87 15.31 1.24 16.55 13.64 30.19 10.88 41.06 10.49 51.56 48.42 99.98 0.02 100.00

2 4 6 6 6 6 6 6 6 6 6 6 6 16 16 18 27 31 31 31

6.45 6.45 6.45 12.90 6.45 19.35 0.00 19.35 0.00 19.35 0.00 19.35 0.00 19.35 0.00 19.35 0.00 19.35 0.00 19.35 0.00 19.35 0.00 19.35 0.00 19.35 32.26 51.61 0.00 51.61 6.45 58.06 29.03 87.10 12.90 100.00 0.00 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 160.15 2,010.43 33.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,968.10 0.00 959.24 51.38 65.73 0.00 0.00 6,248.83

160.15 2,170.57 2,204.38 2,204.38 2,204.38 2,204.38 2,204.38 2,204.38 2,204.38 2,204.38 2,204.38 2,204.38 2,204.38 5,172.48 5,172.48 6,131.72 6,183.10 6,248.83 6,248.83 6,248.83

2.56 2.56 32.17 34.74 0.54 35.28 0.00 35.28 0.00 35.28 0.00 35.28 0.00 35.28 0.00 35.28 0.00 35.28 0.00 35.28 0.00 35.28 0.00 35.28 0.00 35.28 47.50 82.78 0.00 82.78 15.35 98.13 0.82 98.95 1.05 100.00 0.00 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. (2,989,02) 3,477,02 177.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 617.39 0.00 144.35 9.70 12.86 0.00 0.00

(2,989,02) 4,137,38 3084.39 3011.01 2609.54 2456.20 2352.17 1428.18 1363.38 978.79 916.63 837.96 832.01 693.65 641.73 416.97 309.11 248.82 128.31 128.28

128.28

Page 120 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 40

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

Non Estate Plantation Risk

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,370 521 621 29 54 25 21 19 20 17 15 11 17 33 18 76 83 18 56 17 3,041

1,370 1,891 2,512 2,541 2,595 2,620 2,641 2,660 2,680 2,697 2,712 2,723 2,740 2,773 2,791 2,867 2,950 2,968 3,024 3,041

45.05 45.05 17.13 62.18 20.42 82.60 0.95 83.56 1.78 85.33 0.82 86.16 0.69 86.85 0.62 87.47 0.66 88.13 0.56 88.69 0.49 89.18 0.36 89.54 0.56 90.10 1.09 91.19 0.59 91.78 2.50 94.28 2.73 97.01 0.59 97.60 1.84 99.44 0.56 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,222.55 168.44 288.72 27.20 70.53 47.86 61.53 60.45 83.99 57.52 90.00 56.30 230.95 335.39 205.41 1,459.45 2,833.27 332.71 664.08 184.26 9,480.61

2,222.55 2,391.00 2,679.71 2,706.91 2,777.44 2,825.30 2,886.84 2,947.29 3,031.28 3,088.80 3,178.80 3,235.10 3,466.05 3,801.44 4,006.85 5,466.30 8,299.57 8,632.27 9,296.35 9,480.61

23.44 23.44 1.78 25.22 3.05 28.27 0.29 28.55 0.74 29.30 0.50 29.80 0.65 30.45 0.64 31.09 0.89 31.97 0.61 32.58 0.95 33.53 0.59 34.12 2.44 36.56 3.54 40.10 2.17 42.26 15.39 57.66 29.88 87.54 3.51 91.05 7.00 98.06 1.94 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 2 0 0 12 18

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 6 6 6 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 0.00 0.00 0.00 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 22.22 11.11 33.33 0.00 33.33 0.00 33.33 66.67 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4,766.91 1,581.73 0.00 0.00 169.02 6,517.66

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 4,766.91 6,348.64 6,348.64 6,348.64 6,517.66

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 73.14 73.14 24.27 97.41 0.00 97.41 0.00 97.41 2.59 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 326.62 55.83 0.00 0.00 91.73

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 87.21 76.49 73.55 68.29 68.75

68.75

Page 121 of 204

RISK AND LOSS PROFILE 2009 GROUP BY PROVINCE

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

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 01 - NANGGROE ACEH DARUSSALAM

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

2,094 1,989 2,576 1,581 1,453 503 419 274 155 52 40 65 29 46 21 43 44 26 16 23 11,449

2,094 4,083 6,659 8,240 9,693 10,196 10,615 10,889 11,044 11,096 11,136 11,201 11,230 11,276 11,297 11,340 11,384 11,410 11,426 11,449

18.29 18.29 17.37 35.66 22.50 58.16 13.81 71.97 12.69 84.66 4.39 89.06 3.66 92.72 2.39 95.11 1.35 96.46 0.45 96.92 0.35 97.27 0.57 97.83 0.25 98.09 0.40 98.49 0.18 98.67 0.38 99.05 0.38 99.43 0.23 99.66 0.14 99.80 0.20 100.00

PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 514.05 662.85 1,590.55 1,526.97 1,983.27 1,123.91 1,142.76 996.72 605.09 250.79 272.63 355.93 181.85 393.26 239.60 721.75 958.30 782.56 234.62 1,880.21 16,417.67

514.05 1,176.90 2,767.45 4,294.42 6,277.69 7,401.61 8,544.36 9,541.08 10,146.17 10,396.96 10,669.59 11,025.52 11,207.38 11,600.64 11,840.23 12,561.98 13,520.28 14,302.85 14,537.47 16,417.67

3.13 3.13 4.04 7.17 9.69 16.86 9.30 26.16 12.08 38.24 6.85 45.08 6.96 52.04 6.07 58.11 3.69 61.80 1.53 63.33 1.66 64.99 2.17 67.16 1.11 68.26 2.40 70.66 1.46 72.12 4.40 76.51 5.84 82.35 4.77 87.12 1.43 88.55 11.45 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

2 8 13 6 5 0 5 3 0 0 0 0 0 0 0 0 2 0 0 3 47

2 10 23 29 34 34 39 42 42 42 42 42 42 42 42 42 44 44 44 47

4.26 4.26 17.02 21.28 27.66 48.94 12.77 61.70 10.64 72.34 0.00 72.34 10.64 82.98 6.38 89.36 0.00 89.36 0.00 89.36 0.00 89.36 0.00 89.36 0.00 89.36 0.00 89.36 0.00 89.36 0.00 89.36 4.26 93.62 0.00 93.62 0.00 93.62 6.38 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 10.33 271.98 364.51 194.67 305.21 0.00 67.38 712.24 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 77.64 0.00 0.00 71.09 2,075.03

10.33 282.30 646.81 841.48 1,146.69 1,146.69 1,214.07 1,926.31 1,926.31 1,926.31 1,926.31 1,926.31 1,926.31 1,926.31 1,926.31 1,926.31 2,003.95 2,003.95 2,003.95 2,075.03

0.50 0.50 13.11 13.60 17.57 31.17 9.38 40.55 14.71 55.26 0.00 55.26 3.25 58.51 34.32 92.83 0.00 92.83 0.00 92.83 0.00 92.83 0.00 92.83 0.00 92.83 0.00 92.83 0.00 92.83 0.00 92.83 3.74 96.57 0.00 96.57 0.00 96.57 3.43 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 2.01 41.03 22.92 12.75 15.39 0.00 5.90 71.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.10 0.00 0.00 3.78

2.01 23.99 23.37 19.59 18.27 15.49 14.21 20.19 18.99 18.53 18.05 17.47 17.19 16.61 16.27 15.33 14.82 14.01 13.78 12.64

12.64

Page 122 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 02 - SUMATERA UTARA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

19,578 13,730 17,840 11,833 11,872 5,419 3,941 2,799 1,575 852 731 938 618 765 460 805 856 383 390 86 95,471

19,578 33,308 51,148 62,981 74,853 80,272 84,213 87,012 88,587 89,439 90,170 91,108 91,726 92,491 92,951 93,756 94,612 94,995 95,385 95,471

20.51 20.51 14.38 34.89 18.69 53.57 12.39 65.97 12.44 78.40 5.68 84.08 4.13 88.21 2.93 91.14 1.65 92.79 0.89 93.68 0.77 94.45 0.98 95.43 0.65 96.08 0.80 96.88 0.48 97.36 0.84 98.20 0.90 99.10 0.40 99.50 0.41 99.91 0.09 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 7,451.35 2,488.97 5,683.68 6,406.39 10,338.95 6,935.01 7,444.67 6,797.47 5,157.05 3,353.75 3,496.07 4,724.61 3,980.52 6,119.03 4,492.53 10,295.62 12,801.45 4,515.75 6,738.52 893.71 120,115.11

7,451.35 9,940.32 15,624.00 22,030.39 32,369.34 39,304.35 46,749.03 53,546.50 58,703.55 62,057.30 65,553.37 70,277.98 74,258.50 80,377.53 84,870.06 95,165.68 107,967.13 112,482.88 119,221.40 120,115.11

6.20 6.20 2.07 8.28 4.73 13.01 5.33 18.34 8.61 26.95 5.77 32.72 6.20 38.92 5.66 44.58 4.29 48.87 2.79 51.66 2.91 54.58 3.93 58.51 3.31 61.82 5.09 66.92 3.74 70.66 8.57 79.23 10.66 89.89 3.76 93.65 5.61 99.26 0.74 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

57 18 33 31 44 18 41 20 17 29 12 14 8 19 10 30 37 27 48 2 515

57 75 108 139 183 201 242 262 279 308 320 334 342 361 371 401 438 465 513 515

11.07 11.07 3.50 14.56 6.41 20.97 6.02 26.99 8.54 35.53 3.50 39.03 7.96 46.99 3.88 50.87 3.30 54.17 5.63 59.81 2.33 62.14 2.72 64.85 1.55 66.41 3.69 70.10 1.94 72.04 5.83 77.86 7.18 85.05 5.24 90.29 9.32 99.61 0.39 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 21,918.10 489.27 1,016.11 1,082.56 2,101.43 148.74 2,674.64 2,651.58 410.29 2,232.13 820.64 360.74 156.29 1,657.15 100.24 571.73 10,035.52 1,599.08 3,482.63 53.47 53,562.32

21,918.10 22,407.37 23,423.47 24,506.03 26,607.47 26,756.20 29,430.85 32,082.43 32,492.72 34,724.84 35,545.48 35,906.22 36,062.51 37,719.65 37,819.89 38,391.62 48,427.14 50,026.23 53,508.86 53,562.32

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM.

40.92 40.92 294.15 294.15 0.91 41.83 19.66 225.42 1.90 43.73 17.88 149.92 2.02 45.75 16.90 111.24 3.92 49.68 20.33 82.20 0.28 49.95 2.14 68.07 4.99 54.95 35.93 62.95 4.95 59.90 39.01 59.92 0.77 60.66 7.96 55.35 4.17 64.83 66.56 55.96 1.53 66.36 23.47 54.22 0.67 67.04 7.64 51.09 0.29 67.33 3.93 48.56 3.09 70.42 27.08 46.93 0.19 70.61 2.23 44.56 1.07 71.68 5.55 40.34 18.74 90.41 78.39 44.85 2.99 93.40 35.41 44.47 6.50 99.90 51.68 44.88 0.10 100.00 5.98 44.59 44.59

Page 123 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 03 - SUMATERA BARAT

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

4,877 5,876 8,813 5,455 4,668 1,722 1,284 776 514 247 225 283 206 217 156 189 133 114 63 9 35,827

4,877 10,753 19,566 25,021 29,689 31,411 32,695 33,471 33,985 34,232 34,457 34,740 34,946 35,163 35,319 35,508 35,641 35,755 35,818 35,827

13.61 13.61 16.40 30.01 24.60 54.61 15.23 69.84 13.03 82.87 4.81 87.67 3.58 91.26 2.17 93.42 1.43 94.86 0.69 95.55 0.63 96.18 0.79 96.97 0.57 97.54 0.61 98.15 0.44 98.58 0.53 99.11 0.37 99.48 0.32 99.80 0.18 99.97 0.03 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,152.39 1,070.09 2,518.27 2,337.72 3,922.71 2,448.65 2,631.72 2,045.40 1,635.28 789.46 795.65 968.96 581.82 804.40 637.37 2,566.19 2,220.87 1,450.83 492.03 2,446.46 34,516.27

2,152.39 3,222.48 5,740.75 8,078.47 12,001.17 14,449.83 17,081.55 19,126.96 20,762.24 21,551.70 22,347.35 23,316.31 23,898.13 24,702.53 25,339.90 27,906.09 30,126.95 31,577.78 32,069.81 34,516.27

6.24 6.24 3.10 9.34 7.30 16.63 6.77 23.40 11.36 34.77 7.09 41.86 7.62 49.49 5.93 55.41 4.74 60.15 2.29 62.44 2.31 64.74 2.81 67.55 1.69 69.24 2.33 71.57 1.85 73.41 7.43 80.85 6.43 87.28 4.20 91.49 1.43 92.91 7.09 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

101 106 260 207 311 175 144 88 111 58 97 92 78 70 80 71 59 17 28 0 2,153

101 207 467 674 985 1,160 1,304 1,392 1,503 1,561 1,658 1,750 1,828 1,898 1,978 2,049 2,108 2,125 2,153 2,153

01/01/2009

15/06/2011

DATE

15/10/2011

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

4.69 4.69 2,554.61 2,554.61 4.92 9.61 1,454.60 4,009.21 12.08 21.69 6,179.32 10,188.53 9.61 31.31 6,014.04 16,202.56 14.44 45.75 23,414.54 39,617.10 8.13 53.88 18,378.19 57,995.29 6.69 60.57 9,720.40 67,715.69 4.09 64.65 4,239.49 71,955.18 5.16 69.81 11,793.40 83,748.58 2.69 72.50 5,500.57 89,249.15 4.51 77.01 5,494.41 94,743.56 4.27 81.28 8,567.48 103,311.04 3.62 84.90 6,913.06 110,224.10 3.25 88.16 8,868.10 119,092.21 3.72 91.87 9,966.48 129,058.68 3.30 95.17 12,477.77 141,536.45 2.74 97.91 92,261.08 233,797.54 0.79 98.70 2,759.34 236,556.88 1.30 100.00 335,435.37 571,992.24 0.00 100.00 0.00 571,992.24 571,992.24

0.45 0.45 0.25 0.70 1.08 1.78 1.05 2.83 4.09 6.93 3.21 10.14 1.70 11.84 0.74 12.58 2.06 14.64 0.96 15.60 0.96 16.56 1.50 18.06 1.21 19.27 1.55 20.82 1.74 22.56 2.18 24.74 16.13 40.87 0.48 41.36 58.64 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 118.69 135.93 245.38 257.26 596.90 750.54 369.35 207.27 721.19 696.75 690.56 884.20 1,188,17 1,102,45 1,563,69 486.24 4154.28 190.19 68,173,66 0.00

118.69 124.41 177.48 200.56 330.11 401.36 396.43 376.20 403.37 414.12 423.96 443.08 461.22 482.11 509.31 507.19 776.04 749.12 1,783,58 1,657,17

1,657,17

Page 124 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 04 - RIAU

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

9,029 7,251 9,694 6,018 6,077 2,389 1,545 1,203 660 351 223 302 212 338 141 322 364 319 245 77 46,760

9,029 16,280 25,974 31,992 38,069 40,458 42,003 43,206 43,866 44,217 44,440 44,742 44,954 45,292 45,433 45,755 46,119 46,438 46,683 46,760

19.31 19.31 15.51 34.82 20.73 55.55 12.87 68.42 13.00 81.41 5.11 86.52 3.30 89.83 2.57 92.40 1.41 93.81 0.75 94.56 0.48 95.04 0.65 95.68 0.45 96.14 0.72 96.86 0.30 97.16 0.69 97.85 0.78 98.63 0.68 99.31 0.52 99.84 0.16 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 15,151.84 1,815.98 4,286.49 4,693.75 7,517.30 4,471.17 4,182.91 3,836.00 2,709.95 1,693.28 1,292.44 1,748.53 1,694.20 2,178.25 1,209.47 4,038.56 4,766.71 2,432.27 3,031.16 4,048.03 76,798.29

15,151.84 19.73 19.73 16,967.82 2.36 22.09 21,254.31 5.58 27.68 25,948.06 6.11 33.79 33,465.36 9.79 43.58 37,936.53 5.82 49.40 42,119.44 5.45 54.84 45,955.44 4.99 59.84 48,665.40 3.53 63.37 50,358.68 2.20 65.57 51,651.11 1.68 67.26 53,399.64 2.28 69.53 55,093.85 2.21 71.74 57,272.09 2.84 74.57 58,481.57 1.57 76.15 62,520.12 5.26 81.41 67,286.83 6.21 87.62 69,719.10 3.17 90.78 72,750.26 3.95 94.73 76,798.29 5.27 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

13 3 28 15 17 9 9 6 4 2 0 0 2 15 0 8 8 10 27 7 183

13 16 44 59 76 85 94 100 104 106 106 106 108 123 123 131 139 149 176 183

7.10 7.10 1.64 8.74 15.30 24.04 8.20 32.24 9.29 41.53 4.92 46.45 4.92 51.37 3.28 54.64 2.19 56.83 1.09 57.92 0.00 57.92 0.00 57.92 1.09 59.02 8.20 67.21 0.00 67.21 4.37 71.58 4.37 75.96 5.46 81.42 14.75 96.17 3.83 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,000.52 74.42 1,013.39 805.45 1,966.44 1,596.82 701.35 1,039.80 55.65 2.35 0.00 0.00 0.00 5,466.49 0.00 10.85 138.60 1,125.99 591.10 380.43 15,969.65

1,000.52 1,074.93 2,088.33 2,893.78 4,860.22 6,457.04 7,158.39 8,198.19 8,253.84 8,256.19 8,256.19 8,256.19 8,256.19 13,722.68 13,722.68 13,733.54 13,872.14 14,998.12 15,589.22 15,969.65

6.27 6.27 0.47 6.73 6.35 13.08 5.04 18.12 12.31 30.43 10.00 40.43 4.39 44.82 6.51 51.34 0.35 51.68 0.01 51.70 0.00 51.70 0.00 51.70 0.00 51.70 34.23 85.93 0.00 85.93 0.07 86.00 0.87 86.87 7.05 93.92 3.70 97.62 2.38 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 6.60 4.10 23.64 17.16 26.16 35.71 16.77 27.11 2.05 0.14 0.00 0.00 0.00 250.96 0.00 0.27 2.91 46.29 19.50 9.40

6.60 6.34 9.83 11.15 14.52 17.02 17.00 17.84 16.96 16.39 15.98 15.46 14.99 23.96 23.46 21.97 20.62 21.51 21.43 20.79

20.79

Page 125 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 05 - JAMBI

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

2,471 2,355 3,084 1,838 1,717 701 421 325 184 102 52 97 53 86 51 73 94 87 59 9 13,859

2,471 4,826 7,910 9,748 11,465 12,166 12,587 12,912 13,096 13,198 13,250 13,347 13,400 13,486 13,537 13,610 13,704 13,791 13,850 13,859

17.83 17.83 16.99 34.82 22.25 57.07 13.26 70.34 12.39 82.73 5.06 87.78 3.04 90.82 2.35 93.17 1.33 94.49 0.74 95.23 0.38 95.61 0.70 96.31 0.38 96.69 0.62 97.31 0.37 97.68 0.53 98.20 0.68 98.88 0.63 99.51 0.43 99.94 0.06 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,097.36 666.17 1,522.93 1,442.00 2,020.66 1,325.10 1,051.92 875.75 716.27 412.08 266.42 477.78 365.52 632.09 399.27 1,338.31 1,449.07 890.07 565.11 514.69 18,028.58

1,097.36 1,763.52 3,286.46 4,728.46 6,749.12 8,074.22 9,126.14 10,001.89 10,718.17 11,130.25 11,396.67 11,874.45 12,239.97 12,872.06 13,271.33 14,609.65 16,058.71 16,948.78 17,513.89 18,028.58

6.09 6.09 3.70 9.78 8.45 18.23 8.00 26.23 11.21 37.44 7.35 44.79 5.83 50.62 4.86 55.48 3.97 59.45 2.29 61.74 1.48 63.21 2.65 65.86 2.03 67.89 3.51 71.40 2.21 73.61 7.42 81.04 8.04 89.07 4.94 94.01 3.13 97.15 2.85 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

10 3 2 0 6 0 0 11 0 0 0 2 1 0 0 0 0 7 0 0 42

10 13 15 15 21 21 21 32 32 32 32 34 35 35 35 35 35 42 42 42

23.81 23.81 7.14 30.95 4.76 35.71 0.00 35.71 14.29 50.00 0.00 50.00 0.00 50.00 26.19 76.19 0.00 76.19 0.00 76.19 0.00 76.19 4.76 80.95 2.38 83.33 0.00 83.33 0.00 83.33 0.00 83.33 0.00 83.33 16.67 100.00 0.00 100.00 0.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 133.58 8.76 115.00 0.00 210.34 0.00 0.00 57.56 0.00 0.00 0.00 35.53 0.00 0.00 0.00 0.00 0.00 906.05 0.00 0.00 1,466.82

133.58 142.34 257.34 257.34 467.68 467.68 467.68 525.24 525.24 525.24 525.24 560.77 560.77 560.77 560.77 560.77 560.77 1,466.82 1,466.82 1,466.82

9.11 9.11 0.60 9.70 7.84 17.54 0.00 17.54 14.34 31.88 0.00 31.88 0.00 31.88 3.92 35.81 0.00 35.81 0.00 35.81 0.00 35.81 2.42 38.23 0.00 38.23 0.00 38.23 0.00 38.23 0.00 38.23 0.00 38.23 61.77 100.00 0.00 100.00 0.00 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 12.17 1.31 7.55 0.00 10.41 0.00 0.00 6.57 0.00 0.00 0.00 7.44 0.00 0.00 0.00 0.00 0.00 101.80 0.00 0.00

12.17 8.07 7.83 5.44 6.93 5.79 5.12 5.25 4.90 4.72 4.61 4.72 4.58 4.36 4.23 3.84 3.49 8.65 8.38 8.14

8.14

Page 126 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 06 - SUMATERA SELATAN

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

3,701 3,508 5,736 3,843 3,935 1,890 1,495 1,070 577 271 252 255 146 234 151 277 237 153 164 86 27,981

3,701 7,209 12,945 16,788 20,723 22,613 24,108 25,178 25,755 26,026 26,278 26,533 26,679 26,913 27,064 27,341 27,578 27,731 27,895 27,981

13.23 13.23 12.54 25.76 20.50 46.26 13.73 60.00 14.06 74.06 6.75 80.82 5.34 86.16 3.82 89.98 2.06 92.04 0.97 93.01 0.90 93.91 0.91 94.83 0.52 95.35 0.84 96.18 0.54 96.72 0.99 97.71 0.85 98.56 0.55 99.11 0.59 99.69 0.31 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 7,263.57 638.00 2,120.39 2,446.87 4,129.24 2,987.29 3,164.65 2,670.40 2,033.03 1,045.95 1,241.64 1,386.81 919.42 1,349.14 1,364.73 2,859.14 4,518.53 1,723.39 4,775.42 12,689.04 61,326.65

7,263.57 7,901.57 10,021.96 12,468.83 16,598.07 19,585.36 22,750.02 25,420.41 27,453.44 28,499.39 29,741.04 31,127.85 32,047.27 33,396.40 34,761.13 37,620.27 42,138.80 43,862.19 48,637.62 61,326.65

11.84 11.84 1.04 12.88 3.46 16.34 3.99 20.33 6.73 27.07 4.87 31.94 5.16 37.10 4.35 41.45 3.32 44.77 1.71 46.47 2.02 48.50 2.26 50.76 1.50 52.26 2.20 54.46 2.23 56.68 4.66 61.34 7.37 68.71 2.81 71.52 7.79 79.31 20.69 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

21 11 12 7 13 4 7 11 0 4 5 4 0 2 12 8 78 8 17 18 242

21 32 44 51 64 68 75 86 86 90 95 99 99 101 113 121 199 207 224 242

8.68 8.68 4.55 13.22 4.96 18.18 2.89 21.07 5.37 26.45 1.65 28.10 2.89 30.99 4.55 35.54 0.00 35.54 1.65 37.19 2.07 39.26 1.65 40.91 0.00 40.91 0.83 41.74 4.96 46.69 3.31 50.00 32.23 82.23 3.31 85.54 7.02 92.56 7.44 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,350.20 226.64 261.45 183.74 1,105.11 260.07 1,024.97 58.52 0.00 452.09 39.82 65.34 0.00 41.38 756.09 48.95 8,388.59 2,393.25 212.66 20,953.59 37,822.45

1,350.20 1,576.84 1,838.29 2,022.04 3,127.15 3,387.22 4,412.18 4,470.71 4,470.71 4,922.79 4,962.61 5,027.95 5,027.95 5,069.33 5,825.42 5,874.37 14,262.95 16,656.21 16,868.87 37,822.45

3.57 3.57 0.60 4.17 0.69 4.86 0.49 5.35 2.92 8.27 0.69 8.96 2.71 11.67 0.15 11.82 0.00 11.82 1.20 13.02 0.11 13.12 0.17 13.29 0.00 13.29 0.11 13.40 2.00 15.40 0.13 15.53 22.18 37.71 6.33 44.04 0.56 44.60 55.40 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 18.59 35.52 12.33 7.51 26.76 8.71 32.39 2.19 0.00 43.22 3.21 4.71 0.00 3.07 55.40 1.71 185.65 138.87 4.45 165.13

18.59 19.96 18.34 16.22 18.84 17.29 19.39 17.59 16.28 17.27 16.69 16.15 15.69 15.18 16.76 15.61 33.85 37.97 34.68 61.67

61.67

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RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 07 - BENGKULU

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,876 1,609 2,008 1,275 1,141 440 300 147 104 60 42 40 33 36 21 54 52 15 13 8 9,274

1,876 3,485 5,493 6,768 7,909 8,349 8,649 8,796 8,900 8,960 9,002 9,042 9,075 9,111 9,132 9,186 9,238 9,253 9,266 9,274

20.23 20.23 17.35 37.58 21.65 59.23 13.75 72.98 12.30 85.28 4.74 90.03 3.23 93.26 1.59 94.85 1.12 95.97 0.65 96.61 0.45 97.07 0.43 97.50 0.36 97.85 0.39 98.24 0.23 98.47 0.58 99.05 0.56 99.61 0.16 99.77 0.14 99.91 0.09 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 466.74 401.19 1,339.52 812.06 1,295.74 816.13 724.21 415.62 378.79 235.22 174.50 137.80 79.95 122.19 209.67 586.23 727.99 320.85 213.70 65.14 9,523.25

466.74 867.93 2,207.45 3,019.51 4,315.24 5,131.38 5,855.59 6,271.21 6,650.01 6,885.23 7,059.73 7,197.53 7,277.49 7,399.67 7,609.34 8,195.57 8,923.56 9,244.41 9,458.11 9,523.25

4.90 4.90 4.21 9.11 14.07 23.18 8.53 31.71 13.61 45.31 8.57 53.88 7.60 61.49 4.36 65.85 3.98 69.83 2.47 72.30 1.83 74.13 1.45 75.58 0.84 76.42 1.28 77.70 2.20 79.90 6.16 86.06 7.64 93.70 3.37 97.07 2.24 99.32 0.68 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

0 2 7 7 6 27 0 2 0 0 0 2 0 0 0 0 5 0 0 3 61

0 2 9 16 22 49 49 51 51 51 51 53 53 53 53 53 58 58 58 61

0.00 0.00 3.28 3.28 11.48 14.75 11.48 26.23 9.84 36.07 44.26 80.33 0.00 80.33 3.28 83.61 0.00 83.61 0.00 83.61 0.00 83.61 3.28 86.89 0.00 86.89 0.00 86.89 0.00 86.89 0.00 86.89 8.20 95.08 0.00 95.08 0.00 95.08 4.92 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 130.42 245.78 466.64 672.26 707.85 0.00 8.00 0.00 0.00 0.00 30.59 0.00 0.00 0.00 0.00 304.94 0.00 0.00 14.40 2,580.88

0.00 130.42 376.20 842.84 1,515.10 2,222.95 2,222.95 2,230.95 2,230.95 2,230.95 2,230.95 2,261.54 2,261.54 2,261.54 2,261.54 2,261.54 2,566.49 2,566.49 2,566.49 2,580.88

0.00 0.00 5.05 5.05 9.52 14.58 18.08 32.66 26.05 58.70 27.43 86.13 0.00 86.13 0.31 86.44 0.00 86.44 0.00 86.44 0.00 86.44 1.19 87.63 0.00 87.63 0.00 87.63 0.00 87.63 0.00 87.63 11.82 99.44 0.00 99.44 0.00 99.44 0.56 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 32.51 18.35 57.46 51.88 86.73 0.00 1.93 0.00 0.00 0.00 22.20 0.00 0.00 0.00 0.00 41.89 0.00 0.00 22.10

0.00 15.03 17.04 27.91 35.11 43.32 37.96 35.57 33.55 32.40 31.60 31.42 31.08 30.56 29.72 27.59 28.76 27.76 27.14 27.10

27.10

Page 128 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 08 - LAMPUNG

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING NUMBER OF POLICIES PERCENTAGE F BAND CUM.

3,226 3,124 4,236 2,510 2,686 1,248 883 684 402 229 249 260 147 252 149 321 343 195 193 78 21,415

3,226 6,350 10,586 13,096 15,782 17,030 17,913 18,597 18,999 19,228 19,477 19,737 19,884 20,136 20,285 20,606 20,949 21,144 21,337 21,415

15.06 15.06 14.59 29.65 19.78 49.43 11.72 61.15 12.54 73.70 5.83 79.52 4.12 83.65 3.19 86.84 1.88 88.72 1.07 89.79 1.16 90.95 1.21 92.16 0.69 92.85 1.18 94.03 0.70 94.72 1.50 96.22 1.60 97.82 0.91 98.73 0.90 99.64 0.36 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,904.57 557.81 1,362.83 1,427.67 2,689.38 2,140.35 1,687.25 1,783.75 1,508.41 845.38 1,004.85 1,187.63 871.84 1,973.11 1,238.63 4,061.12 4,391.21 2,347.13 4,124.74 573.76 38,681.40

2,904.57 3,462.38 4,825.21 6,252.88 8,942.26 11,082.61 12,769.86 14,553.61 16,062.02 16,907.40 17,912.25 19,099.88 19,971.71 21,944.82 23,183.45 27,244.57 31,635.79 33,982.91 38,107.65 38,681.40

7.51 7.51 1.44 8.95 3.52 12.47 3.69 16.17 6.95 23.12 5.53 28.65 4.36 33.01 4.61 37.62 3.90 41.52 2.19 43.71 2.60 46.31 3.07 49.38 2.25 51.63 5.10 56.73 3.20 59.93 10.50 70.43 11.35 81.79 6.07 87.85 10.66 98.52 1.48 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

30 2 16 5 6 18 5 12 0 0 2 6 8 26 7 23 11 31 16 3 227

30 32 48 53 59 77 82 94 94 94 96 102 110 136 143 166 177 208 224 227

13.22 13.22 0.88 14.10 7.05 21.15 2.20 23.35 2.64 25.99 7.93 33.92 2.20 36.12 5.29 41.41 0.00 41.41 0.00 41.41 0.88 42.29 2.64 44.93 3.52 48.46 11.45 59.91 3.08 63.00 10.13 73.13 4.85 77.97 13.66 91.63 7.05 98.68 1.32 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 290.09 99.12 172.66 323.87 76.33 59.87 119.95 116.82 0.00 0.00 6.00 65.74 105.84 382.31 471.51 837.34 877.35 1,503.01 3,077.95 184.15 8,769.89

290.09 389.21 561.87 885.74 962.06 1,021.93 1,141.88 1,258.70 1,258.70 1,258.70 1,264.70 1,330.44 1,436.28 1,818.58 2,290.09 3,127.43 4,004.78 5,507.79 8,585.74 8,769.89

3.31 3.31 1.13 4.44 1.97 6.41 3.69 10.10 0.87 10.97 0.68 11.65 1.37 13.02 1.33 14.35 0.00 14.35 0.00 14.35 0.07 14.42 0.75 15.17 1.21 16.38 4.36 20.74 5.38 26.11 9.55 35.66 10.00 45.67 17.14 62.80 35.10 97.90 2.10 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 9.99 17.77 12.67 22.68 2.84 2.80 7.11 6.55 0.00 0.00 0.60 5.54 12.14 19.38 38.07 20.62 19.98 64.04 74.62 32.10

9.99 11.24 11.64 14.17 10.76 9.22 8.94 8.65 7.84 7.44 7.06 6.97 7.19 8.29 9.88 11.48 12.66 16.21 22.53 22.67

22.67

Page 129 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 09 - DAERAH KHUSUS IBUKOTA JAKARTA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above T OT AL

Mid Points

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

DATA POSITION FROM TO

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

27,731 16,894 30,691 26,810 39,554 24,577 18,724 14,950 8,339 4,590 3,570 4,282 2,862 3,307 2,074 3,245 2,753 1,287 1,809 729 238,778

27,731 44,625 75,316 102,126 141,680 166,257 184,981 199,931 208,270 212,860 216,430 220,712 223,574 226,881 228,955 232,200 234,953 236,240 238,049 238,778

11.61 11.61 7.08 18.69 12.85 31.54 11.23 42.77 16.57 59.34 10.29 69.63 7.84 77.47 6.26 83.73 3.49 87.22 1.92 89.15 1.50 90.64 1.79 92.43 1.20 93.63 1.38 95.02 0.87 95.89 1.36 97.25 1.15 98.40 0.54 98.94 0.76 99.69 0.31 100.00

PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 28,028.76 3,619.26 9,244.68 11,615.63 24,853.76 22,155.64 24,609.76 26,987.69 20,416.32 13,989.01 14,571.81 18,341.14 14,870.30 19,906.67 15,648.52 31,963.60 31,714.28 14,691.79 31,046.25 76,569.76 454,844.65

28,028.76 31,648.02 40,892.71 52,508.34 77,362.10 99,517.73 124,127.49 151,115.18 171,531.50 185,520.52 200,092.33 218,433.47 233,303.77 253,210.44 268,858.96 300,822.57 332,536.84 347,228.64 378,274.89 454,844.65

6.16 6.16 0.80 6.96 2.03 8.99 2.55 11.54 5.46 17.01 4.87 21.88 5.41 27.29 5.93 33.22 4.49 37.71 3.08 40.79 3.20 43.99 4.03 48.02 3.27 51.29 4.38 55.67 3.44 59.11 7.03 66.14 6.97 73.11 3.23 76.34 6.83 83.17 16.83 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

557 119 200 110 150 106 102 72 56 72 35 49 34 72 43 84 352 119 319 540 3,191

557 676 876 986 1,136 1,242 1,344 1,416 1,472 1,544 1,579 1,628 1,662 1,734 1,777 1,861 2,213 2,332 2,651 3,191

17.46 17.46 3.73 21.18 6.27 27.45 3.45 30.90 4.70 35.60 3.32 38.92 3.20 42.12 2.26 44.37 1.75 46.13 2.26 48.39 1.10 49.48 1.54 51.02 1.07 52.08 2.26 54.34 1.35 55.69 2.63 58.32 11.03 69.35 3.73 73.08 10.00 83.08 16.92 100.00

DATE

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

102,945.65 102,945.65 3,043.56 105,989.21 5,177.49 111,166.70 5,270.62 116,437.32 6,262.78 122,700.11 3,831.20 126,531.31 8,242.68 134,773.99 2,364.55 137,138.54 8,333.54 145,472.08 2,943.14 148,415.21 3,348.51 151,763.72 8,681.04 160,444.77 3,134.33 163,579.09 12,185.86 175,764.95 5,835.94 181,600.90 13,442.69 195,043.59 221,833.63 416,877.21 39,928.83 456,806.05 83,671.80 540,477.85 644,210.99 1,184,688.84 1,184,688.84

8.69 8.69 0.26 8.95 0.44 9.38 0.44 9.83 0.53 10.36 0.32 10.68 0.70 11.38 0.20 11.58 0.70 12.28 0.25 12.53 0.28 12.81 0.73 13.54 0.26 13.81 1.03 14.84 0.49 15.33 1.13 16.46 18.73 35.19 3.37 38.56 7.06 45.62 54.38 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 367.29 84.09 56.01 45.38 25.20 17.29 33.49 8.76 40.82 21.04 22.98 47.33 21.08 61.21 37.29 42.06 699.48 271.78 269.51 841.34

367.29 334.90 271.85 221.75 158.60 127.14 108.58 90.75 84.81 80.00 75.85 73.45 70.11 69.41 67.55 64.84 125.36 131.56 142.88 260.46

260.46

Page 130 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 10 - JAWA BARAT

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 31,113 25,352 32,173 19,871 21,458 11,107 7,793 6,624 3,815 2,372 1,832 2,329 1,696 2,533 1,678 3,152 2,720 1,452 2,037 667 181,774

31,113 56,465 88,638 108,509 129,967 141,074 148,867 155,491 159,306 161,678 163,510 165,839 167,535 170,068 171,746 174,898 177,618 179,070 181,107 181,774

17.12 17.12 13.95 31.06 17.70 48.76 10.93 59.69 11.80 71.50 6.11 77.61 4.29 81.90 3.64 85.54 2.10 87.64 1.30 88.94 1.01 89.95 1.28 91.23 0.93 92.17 1.39 93.56 0.92 94.48 1.73 96.22 1.50 97.71 0.80 98.51 1.12 99.63 0.37 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 21,295.96 4,631.25 10,272.18 9,935.67 16,735.20 12,527.01 12,473.40 13,679.76 10,540.52 7,668.41 7,752.84 9,629.54 8,581.50 14,480.89 12,208.33 29,360.92 30,686.15 15,978.46 23,977.79 10,067.44 282,483.22

21,295.96 25,927.20 36,199.39 46,135.06 62,870.26 75,397.27 87,870.67 101,550.43 112,090.96 119,759.37 127,512.21 137,141.75 145,723.25 160,204.14 172,412.47 201,773.38 232,459.53 248,437.99 272,415.78 282,483.22

7.54 7.54 1.64 9.18 3.64 12.81 3.52 16.33 5.92 22.26 4.43 26.69 4.42 31.11 4.84 35.95 3.73 39.68 2.71 42.40 2.74 45.14 3.41 48.55 3.04 51.59 5.13 56.71 4.32 61.03 10.39 71.43 10.86 82.29 5.66 87.95 8.49 96.44 3.56 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 327 40 111 98 87 76 58 97 54 30 33 80 51 99 260 159 205 152 271 269 2,557

327 367 478 576 663 739 797 894 948 978 1,011 1,091 1,142 1,241 1,501 1,660 1,865 2,017 2,288 2,557

12.79 12.79 1.56 14.35 4.34 18.69 3.83 22.53 3.40 25.93 2.97 28.90 2.27 31.17 3.79 34.96 2.11 37.07 1.17 38.25 1.29 39.54 3.13 42.67 1.99 44.66 3.87 48.53 10.17 58.70 6.22 64.92 8.02 72.94 5.94 78.88 10.60 89.48 10.52 100.00

01/01/2009

15/06/2011

DATE

15/10/2011

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 82,344.21 408.82 1,247.01 3,242.30 1,635.76 2,433.78 4,409.47 5,178.69 2,601.75 3,500.95 272.13 3,780.38 3,726.98 10,392.35 5,836.06 30,911.64 39,171.11 80,406.16 143,048.31 166,142.42 590,690.28

82,344.21 82,753.03 84,000.05 87,242.35 88,878.10 91,311.89 95,721.35 100,900.04 103,501.79 107,002.75 107,274.88 111,055.26 114,782.24 125,174.58 131,010.64 161,922.28 201,093.39 281,499.55 424,547.86 590,690.28

LOSS RATIO PERCENTAGE BAND CUM.

13.94 13.94 386.67 0.07 14.01 8.83 0.21 14.22 12.14 0.55 14.77 32.63 0.28 15.05 9.77 0.41 15.46 19.43 0.75 16.20 35.35 0.88 17.08 37.86 0.44 17.52 24.68 0.59 18.11 45.65 0.05 18.16 3.51 0.64 18.80 39.26 0.63 19.43 43.43 1.76 21.19 71.77 0.99 22.18 47.80 5.23 27.41 105.28 6.63 34.04 127.65 13.61 47.66 503.22 24.22 71.87 596.59 28.13 100.00 1,650,30

386.67 319.17 232.05 189.10 141.37 121.11 108.93 99.36 92.34 89.35 84.13 80.98 78.77 78.13 75.99 80.25 86.51 113.31 155.85 209.11

209.11

Page 131 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 11 - JAWA TENGAH

BAND

SUM INSURED (In Million) From To

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

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

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 21,254 16,287 16,669 8,228 8,771 4,961 3,726 3,304 1,918 1,111 894 1,157 685 1,036 612 1,155 939 406 457 214 93,784

21,254 37,541 54,210 62,438 71,209 76,170 79,896 83,200 85,118 86,229 87,123 88,280 88,965 90,001 90,613 91,768 92,707 93,113 93,570 93,784

22.66 22.66 17.37 40.03 17.77 57.80 8.77 66.58 9.35 75.93 5.29 81.22 3.97 85.19 3.52 88.71 2.05 90.76 1.18 91.94 0.95 92.90 1.23 94.13 0.73 94.86 1.10 95.97 0.65 96.62 1.23 97.85 1.00 98.85 0.43 99.28 0.49 99.77 0.23 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 8,146.81 2,852.54 5,323.86 4,395.35 7,444.94 6,185.98 5,928.17 7,190.05 5,213.55 3,938.14 3,974.36 5,268.05 4,080.43 6,964.17 5,506.18 13,601.29 12,637.56 5,448.98 7,471.42 2,186.45 123,758.29

8,146.81 10,999.35 16,323.21 20,718.56 28,163.50 34,349.48 40,277.66 47,467.70 52,681.25 56,619.40 60,593.75 65,861.81 69,942.24 76,906.41 82,412.59 96,013.88 108,651.44 114,100.42 121,571.84 123,758.29

6.58 6.58 2.30 8.89 4.30 13.19 3.55 16.74 6.02 22.76 5.00 27.76 4.79 32.55 5.81 38.36 4.21 42.57 3.18 45.75 3.21 48.96 4.26 53.22 3.30 56.52 5.63 62.14 4.45 66.59 10.99 77.58 10.21 87.79 4.40 92.20 6.04 98.23 1.77 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 88 18 25 22 23 21 19 32 15 4 10 13 21 54 40 79 47 56 82 33 702

88 106 131 153 176 197 216 248 263 267 277 290 311 365 405 484 531 587 669 702

12.54 12.54 2.56 15.10 3.56 18.66 3.13 21.79 3.28 25.07 2.99 28.06 2.71 30.77 4.56 35.33 2.14 37.46 0.57 38.03 1.42 39.46 1.85 41.31 2.99 44.30 7.69 51.99 5.70 57.69 11.25 68.95 6.70 75.64 7.98 83.62 11.68 95.30 4.70 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2,123.93 2,123.93 2,126.12 4,250.05 1,232.81 5,482.86 591.20 6,074.06 488.55 6,562.61 1,157.62 7,720.23 483.95 8,204.18 4,470.52 12,674.69 242.65 12,917.35 21.00 12,938.35 227.66 13,166.01 1,606.00 14,772.01 470.09 15,242.10 12,741.63 27,983.73 1,513.86 29,497.59 51,510.04 81,007.63 5,519.84 86,527.47 458.67 86,986.14 28,383.12 115,369.26 3,748.37 119,117.63 119,117.63

1.78 1.78 1.78 3.57 1.03 4.60 0.50 5.10 0.41 5.51 0.97 6.48 0.41 6.89 3.75 10.64 0.20 10.84 0.02 10.86 0.19 11.05 1.35 12.40 0.39 12.80 10.70 23.49 1.27 24.76 43.24 68.01 4.63 72.64 0.39 73.03 23.83 96.85 3.15 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 26.07 74.53 23.16 13.45 6.56 18.71 8.16 62.18 4.65 0.53 5.73 30.49 11.52 182.96 27.49 378.71 43.68 8.42 379.89 171.44

26.07 38.64 33.59 29.32 23.30 22.48 20.37 26.70 24.52 22.85 21.73 22.43 21.79 36.39 35.79 84.37 79.64 76.24 94.90 96.25

96.25

Page 132 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 12 - DAERAH ISTIMEWA YOGYAKARTA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

2,723 1,897 2,530 1,423 1,496 909 790 626 374 196 151 174 97 193 91 116 108 47 27 11 13,979

2,723 4,620 7,150 8,573 10,069 10,978 11,768 12,394 12,768 12,964 13,115 13,289 13,386 13,579 13,670 13,786 13,894 13,941 13,968 13,979

19.48 19.48 13.57 33.05 18.10 51.15 10.18 61.33 10.70 72.03 6.50 78.53 5.65 84.18 4.48 88.66 2.68 91.34 1.40 92.74 1.08 93.82 1.24 95.06 0.69 95.76 1.38 97.14 0.65 97.79 0.83 98.62 0.77 99.39 0.34 99.73 0.19 99.92 0.08 100.00

PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 865.21 318.72 822.83 606.34 978.86 920.92 1,719.52 1,152.19 730.10 494.18 480.15 793.91 361.96 1,031.08 429.98 1,206.16 1,005.12 465.54 615.89 325.57 15,324.25

865.21 1,183.93 2,006.76 2,613.10 3,591.97 4,512.88 6,232.41 7,384.60 8,114.70 8,608.88 9,089.03 9,882.94 10,244.90 11,275.98 11,705.97 12,912.13 13,917.25 14,382.79 14,998.68 15,324.25

5.65 5.65 2.08 7.73 5.37 13.10 3.96 17.05 6.39 23.44 6.01 29.45 11.22 40.67 7.52 48.19 4.76 52.95 3.22 56.18 3.13 59.31 5.18 64.49 2.36 66.85 6.73 73.58 2.81 76.39 7.87 84.26 6.56 90.82 3.04 93.86 4.02 97.88 2.12 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

11 2 12 5 12 4 2 2 2 4 2 7 0 0 0 0 2 7 0 8 82

11 13 25 30 42 46 48 50 52 56 58 65 65 65 65 65 67 74 74 82

13.41 13.41 2.44 15.85 14.63 30.49 6.10 36.59 14.63 51.22 4.88 56.10 2.44 58.54 2.44 60.98 2.44 63.41 4.88 68.29 2.44 70.73 8.54 79.27 0.00 79.27 0.00 79.27 0.00 79.27 0.00 79.27 2.44 81.71 8.54 90.24 0.00 90.24 9.76 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 246.18 6.79 24.93 28.79 78.84 231.22 24.00 44.75 4.93 38.85 6.70 75.59 0.00 0.00 0.00 0.00 0.29 71.54 0.00 163.79 1,047.17

246.18 252.97 277.90 306.69 385.52 616.74 640.74 685.49 690.42 729.26 735.97 811.55 811.55 811.55 811.55 811.55 811.84 883.38 883.38 1,047.17

23.51 23.51 0.65 24.16 2.38 26.54 2.75 29.29 7.53 36.82 22.08 58.90 2.29 61.19 4.27 65.46 0.47 65.93 3.71 69.64 0.64 70.28 7.22 77.50 0.00 77.50 0.00 77.50 0.00 77.50 0.00 77.50 0.03 77.53 6.83 84.36 0.00 84.36 15.64 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 28.45 2.13 3.03 4.75 8.05 25.11 1.40 3.88 0.67 7.86 1.40 9.52 0.00 0.00 0.00 0.00 0.03 15.37 0.00 50.31

28.45 21.37 13.85 11.74 10.73 13.67 10.28 9.28 8.51 8.47 8.10 8.21 7.92 7.20 6.93 6.29 5.83 6.14 5.89 6.83

6.83

Page 133 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 13 - JAWA TIMUR

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 21,797 17,889 21,460 12,596 15,078 9,046 6,886 6,275 3,716 2,095 1,671 1,963 1,453 2,087 1,164 2,099 1,958 857 1,056 418 131,564

21,797 39,686 61,146 73,742 88,820 97,866 104,752 111,027 114,743 116,838 118,509 120,472 121,925 124,012 125,176 127,275 129,233 130,090 131,146 131,564

16.57 16.57 13.60 30.16 16.31 46.48 9.57 56.05 11.46 67.51 6.88 74.39 5.23 79.62 4.77 84.39 2.82 87.21 1.59 88.81 1.27 90.08 1.49 91.57 1.10 92.67 1.59 94.26 0.88 95.14 1.60 96.74 1.49 98.23 0.65 98.88 0.80 99.68 0.32 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 14,364.51 3,471.26 6,955.59 6,413.55 12,101.47 10,083.84 10,112.97 12,430.74 9,870.32 8,499.84 6,672.68 9,520.17 8,372.22 13,635.52 10,807.45 25,630.37 23,849.29 9,084.66 17,662.04 26,495.12 246,033.61

14,364.51 17,835.77 24,791.36 31,204.91 43,306.38 53,390.22 63,503.19 75,933.93 85,804.25 94,304.09 100,976.77 110,496.94 118,869.15 132,504.68 143,312.12 168,942.50 192,791.78 201,876.44 219,538.48 246,033.61

5.84 5.84 1.41 7.25 2.83 10.08 2.61 12.68 4.92 17.60 4.10 21.70 4.11 25.81 5.05 30.86 4.01 34.88 3.45 38.33 2.71 41.04 3.87 44.91 3.40 48.31 5.54 53.86 4.39 58.25 10.42 68.67 9.69 78.36 3.69 82.05 7.18 89.23 10.77 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 164 164 24 188 38 226 34 260 24 284 21 305 28 333 133 466 25 491 33 524 27 551 32 583 27 610 103 713 23 736 81 817 94 911 90 1,001 167 1,168 79 1,247 1,247

DATE

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

13.15 13.15 12,078.40 12,078.40 1.92 15.08 136.90 12,215.30 3.05 18.12 418.02 12,633.32 2.73 20.85 905.65 13,538.97 1.92 22.77 2,207.13 15,746.10 1.68 24.46 1,667.61 17,413.71 2.25 26.70 3,265.35 20,679.06 10.67 37.37 3,014.37 23,693.42 2.00 39.37 2,985.46 26,678.88 2.65 42.02 4,399.65 31,078.54 2.17 44.19 717.83 31,796.37 2.57 46.75 2,363.94 34,160.31 2.17 48.92 3,700.33 37,860.64 8.26 57.18 2,556.48 40,417.12 1.84 59.02 953.02 41,370.13 6.50 65.52 14,477.00 55,847.13 7.54 73.06 33,116.77 88,963.90 7.22 80.27 9,997.05 98,960.95 13.39 93.66 290,612.64 389,573.59 6.34 100.00 8,039.94 397,613.54 397,613.54

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM.

3.04 3.04 84.09 0.03 3.07 3.94 0.11 3.18 6.01 0.23 3.41 14.12 0.56 3.96 18.24 0.42 4.38 16.54 0.82 5.20 32.29 0.76 5.96 24.25 0.75 6.71 30.25 1.11 7.82 51.76 0.18 8.00 10.76 0.59 8.59 24.83 0.93 9.52 44.20 0.64 10.16 18.75 0.24 10.40 8.82 3.64 14.05 56.48 8.33 22.37 138.86 2.51 24.89 110.04 73.09 97.98 1,645,41 2.02 100.00 30.34

84.09 68.49 50.96 43.39 36.36 32.62 32.56 31.20 31.09 32.96 31.49 30.92 31.85 30.50 28.87 33.06 46.15 49.02 177.45 161.61

161.61

Page 134 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP. EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 14 - KALIMANTAN BARAT

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

9,181 9,103 10,041 3,654 2,840 1,036 686 470 229 164 122 146 82 116 62 164 141 63 57 15 38,372

9,181 18,284 28,325 31,979 34,819 35,855 36,541 37,011 37,240 37,404 37,526 37,672 37,754 37,870 37,932 38,096 38,237 38,300 38,357 38,372

23.93 23.93 23.72 47.65 26.17 73.82 9.52 83.34 7.40 90.74 2.70 93.44 1.79 95.23 1.22 96.45 0.60 97.05 0.43 97.48 0.32 97.80 0.38 98.18 0.21 98.39 0.30 98.69 0.16 98.85 0.43 99.28 0.37 99.65 0.16 99.81 0.15 99.96 0.04 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 5,600.66 4,187.46 9,258.70 5,880.46 6,526.49 3,310.70 2,737.33 2,100.27 1,470.83 1,006.59 739.63 1,129.76 720.46 1,103.41 830.07 3,034.42 1,918.16 5,530.57 1,764.92 248.98 59,099.86

5,600.66 9,788.13 19,046.83 24,927.29 31,453.78 34,764.48 37,501.81 39,602.08 41,072.91 42,079.49 42,819.12 43,948.88 44,669.34 45,772.75 46,602.82 49,637.24 51,555.40 57,085.97 58,850.88 59,099.86

9.48 9.48 7.09 16.56 15.67 32.23 9.95 42.18 11.04 53.22 5.60 58.82 4.63 63.45 3.55 67.01 2.49 69.50 1.70 71.20 1.25 72.45 1.91 74.36 1.22 75.58 1.87 77.45 1.40 78.85 5.13 83.99 3.25 87.23 9.36 96.59 2.99 99.58 0.42 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

18 14 39 25 21 6 1 5 0 3 0 0 5 4 9 17 4 0 2 0 173

18 32 71 96 117 123 124 129 129 132 132 132 137 141 150 167 171 171 173 173

10.40 10.40 8.09 18.50 22.54 41.04 14.45 55.49 12.14 67.63 3.47 71.10 0.58 71.68 2.89 74.57 0.00 74.57 1.73 76.30 0.00 76.30 0.00 76.30 2.89 79.19 2.31 81.50 5.20 86.71 9.83 96.53 2.31 98.84 0.00 98.84 1.16 100.00 0.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,280.47 514.43 2,366.30 1,693.83 2,065.49 387.35 0.00 77.68 0.00 57.76 0.00 0.00 302.22 80.12 270.35 12,067.07 127.64 0.00 5.14 0.00 21,295.85

1,280.47 1,794.90 4,161.20 5,855.04 7,920.53 8,307.87 8,307.87 8,385.55 8,385.55 8,443.31 8,443.31 8,443.31 8,745.53 8,825.65 9,096.00 21,163.07 21,290.71 21,290.71 21,295.85 21,295.85

6.01 6.01 2.42 8.43 11.11 19.54 7.95 27.49 9.70 37.19 1.82 39.01 0.00 39.01 0.36 39.38 0.00 39.38 0.27 39.65 0.00 39.65 0.00 39.65 1.42 41.07 0.38 41.44 1.27 42.71 56.66 99.38 0.60 99.98 0.00 99.98 0.02 100.00 0.00 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 22.86 12.28 25.56 28.80 31.65 11.70 0.00 3.70 0.00 5.74 0.00 0.00 41.95 7.26 32.57 397.67 6.65 0.00 0.29 0.00

22.86 18.34 21.85 23.49 25.18 23.90 22.15 21.17 20.42 20.07 19.72 19.21 19.58 19.28 19.52 42.64 41.30 37.30 36.19 36.03

36.03

Page 135 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 15 - KALIMANTAN TENGAH

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,621 1,731 1,818 922 990 482 303 255 121 76 48 50 34 60 28 76 66 54 45 15 8,795

1,621 3,352 5,170 6,092 7,082 7,564 7,867 8,122 8,243 8,319 8,367 8,417 8,451 8,511 8,539 8,615 8,681 8,735 8,780 8,795

18.43 18.43 19.68 38.11 20.67 58.78 10.48 69.27 11.26 80.52 5.48 86.00 3.45 89.45 2.90 92.35 1.38 93.72 0.86 94.59 0.55 95.13 0.57 95.70 0.39 96.09 0.68 96.77 0.32 97.09 0.86 97.95 0.75 98.70 0.61 99.32 0.51 99.83 0.17 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 807.60 619.32 1,274.86 974.73 1,738.09 1,508.44 888.69 1,202.53 529.59 270.88 246.68 264.03 207.01 370.44 244.88 858.20 724.93 850.90 599.14 79.46 14,260.39

807.60 1,426.92 2,701.79 3,676.51 5,414.60 6,923.04 7,811.72 9,014.25 9,543.84 9,814.72 10,061.40 10,325.43 10,532.44 10,902.88 11,147.76 12,005.96 12,730.89 13,581.79 14,180.92 14,260.39

5.66 5.66 4.34 10.01 8.94 18.95 6.84 25.78 12.19 37.97 10.58 48.55 6.23 54.78 8.43 63.21 3.71 66.93 1.90 68.83 1.73 70.55 1.85 72.41 1.45 73.86 2.60 76.46 1.72 78.17 6.02 84.19 5.08 89.27 5.97 95.24 4.20 99.44 0.56 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

22 2 0 2 4 2 4 0 0 0 0 0 0 15 12 2 15 8 5 13 106

22 24 24 26 30 32 36 36 36 36 36 36 36 51 63 65 80 88 93 106

20.75 20.75 1.89 22.64 0.00 22.64 1.89 24.53 3.77 28.30 1.89 30.19 3.77 33.96 0.00 33.96 0.00 33.96 0.00 33.96 0.00 33.96 0.00 33.96 0.00 33.96 14.15 48.11 11.32 59.43 1.89 61.32 14.15 75.47 7.55 83.02 4.72 87.74 12.26 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 295.08 21.46 0.00 165.00 386.44 36.00 723.37 0.00 0.00 0.00 0.00 0.00 0.00 70.13 695.17 35.00 1,644.57 140.86 764.51 385.21 5,362.81

295.08 316.53 316.53 481.53 867.98 903.98 1,627.35 1,627.35 1,627.35 1,627.35 1,627.35 1,627.35 1,627.35 1,697.49 2,392.65 2,427.65 4,072.22 4,213.09 4,977.60 5,362.81

5.50 5.50 0.40 5.90 0.00 5.90 3.08 8.98 7.21 16.19 0.67 16.86 13.49 30.35 0.00 30.35 0.00 30.35 0.00 30.35 0.00 30.35 0.00 30.35 0.00 30.35 1.31 31.65 12.96 44.62 0.65 45.27 30.67 75.93 2.63 78.56 14.26 92.82 7.18 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 36.54 3.46 0.00 16.93 22.23 2.39 81.40 0.00 0.00 0.00 0.00 0.00 0.00 18.93 283.88 4.08 226.86 16.55 127.60 484.77

36.54 22.18 11.72 13.10 16.03 13.06 20.83 18.05 17.05 16.58 16.17 15.76 15.45 15.57 21.46 20.22 31.99 31.02 35.10 37.61

37.61

Page 136 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 16 - KALIMANTAN SELATAN

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

3,872 3,215 3,947 2,069 1,962 1,009 579 454 270 169 114 154 121 134 105 159 121 107 88 37 18,686

3,872 7,087 11,034 13,103 15,065 16,074 16,653 17,107 17,377 17,546 17,660 17,814 17,935 18,069 18,174 18,333 18,454 18,561 18,649 18,686

20.72 20.72 17.21 37.93 21.12 59.05 11.07 70.12 10.50 80.62 5.40 86.02 3.10 89.12 2.43 91.55 1.44 92.99 0.90 93.90 0.61 94.51 0.82 95.33 0.65 95.98 0.72 96.70 0.56 97.26 0.85 98.11 0.65 98.76 0.57 99.33 0.47 99.80 0.20 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,545.43 711.71 1,564.26 1,217.84 1,931.01 1,608.87 1,628.02 1,283.82 1,013.97 1,005.76 609.99 858.91 690.15 1,173.01 1,067.43 (799,73) 2,201.66 1,684.96 1,419.71 504.96 22,921.73

1,545.43 2,257.14 3,821.40 5,039.24 6,970.25 8,579.12 10,207.13 11,490.95 12,504.92 13,510.68 14,120.67 14,979.58 15,669.73 16,842.73 17,910.16 17,110.43 19,312.09 20,997.06 22,416.77 22,921.73

6.74 6.74 3.10 9.85 6.82 16.67 5.31 21.98 8.42 30.41 7.02 37.43 7.10 44.53 5.60 50.13 4.42 54.55 4.39 58.94 2.66 61.60 3.75 65.35 3.01 68.36 5.12 73.48 4.66 78.14 (3,49) 74.65 9.61 84.25 7.35 91.60 6.19 97.80 2.20 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

21 4 2 2 5 8 9 9 2 0 0 0 1 6 1 7 1 4 26 2 110

21 25 27 29 34 42 51 60 62 62 62 62 63 69 70 77 78 82 108 110

19.09 19.09 3.64 22.73 1.82 24.55 1.82 26.36 4.55 30.91 7.27 38.18 8.18 46.36 8.18 54.55 1.82 56.36 0.00 56.36 0.00 56.36 0.00 56.36 0.91 57.27 5.45 62.73 0.91 63.64 6.36 70.00 0.91 70.91 3.64 74.55 23.64 98.18 1.82 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2,948.96 133.17 14.64 180.29 110.77 375.06 506.15 192.27 3.22 0.00 0.00 0.00 0.00 12.80 8.00 55.87 0.00 49.68 3,707.33 175.15 8,473.36

2,948.96 3,082.14 3,096.78 3,277.06 3,387.84 3,762.90 4,269.04 4,461.31 4,464.53 4,464.53 4,464.53 4,464.53 4,464.53 4,477.32 4,485.33 4,541.20 4,541.20 4,590.88 8,298.21 8,473.36

34.80 34.80 1.57 36.37 0.17 36.55 2.13 38.67 1.31 39.98 4.43 44.41 5.97 50.38 2.27 52.65 0.04 52.69 0.00 52.69 0.00 52.69 0.00 52.69 0.00 52.69 0.15 52.84 0.09 52.93 0.66 53.59 0.00 53.59 0.59 54.18 43.75 97.93 2.07 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 190.82 18.71 0.94 14.80 5.74 23.31 31.09 14.98 0.32 0.00 0.00 0.00 0.00 1.09 0.75 (6,99) 0.00 2.95 261.13 34.69

190.82 136.55 81.04 65.03 48.60 43.86 41.82 38.82 35.70 33.04 31.62 29.80 28.49 26.58 25.04 26.54 23.51 21.86 37.02 36.97

36.97

Page 137 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 17 - KALIMANTAN TIMUR

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

3,842 3,611 5,212 3,475 4,122 2,143 1,548 1,173 613 299 274 276 190 233 164 244 280 131 200 67 28,097

3,842 7,453 12,665 16,140 20,262 22,405 23,953 25,126 25,739 26,038 26,312 26,588 26,778 27,011 27,175 27,419 27,699 27,830 28,030 28,097

13.67 13.67 12.85 26.53 18.55 45.08 12.37 57.44 14.67 72.11 7.63 79.74 5.51 85.25 4.17 89.43 2.18 91.61 1.06 92.67 0.98 93.65 0.98 94.63 0.68 95.31 0.83 96.13 0.58 96.72 0.87 97.59 1.00 98.58 0.47 99.05 0.71 99.76 0.24 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,966.91 1,105.41 2,569.08 2,585.06 4,728.64 3,846.17 3,950.22 3,939.46 2,583.85 1,202.96 1,613.28 1,672.07 1,347.86 2,224.54 1,325.50 4,439.72 3,076.58 1,813.85 4,144.14 14,887.11 66,022.41

2,966.91 4,072.33 6,641.41 9,226.47 13,955.11 17,801.28 21,751.51 25,690.97 28,274.81 29,477.77 31,091.05 32,763.11 34,110.97 36,335.50 37,661.01 42,100.73 45,177.31 46,991.17 51,135.31 66,022.41

4.49 4.49 1.67 6.17 3.89 10.06 3.92 13.97 7.16 21.14 5.83 26.96 5.98 32.95 5.97 38.91 3.91 42.83 1.82 44.65 2.44 47.09 2.53 49.62 2.04 51.67 3.37 55.04 2.01 57.04 6.72 63.77 4.66 68.43 2.75 71.17 6.28 77.45 22.55 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

14 8 8 4 21 4 4 4 0 0 9 7 0 4 0 10 9 13 48 4 171

14 22 30 34 55 59 63 67 67 67 76 83 83 87 87 97 106 119 167 171

8.19 8.19 4.68 12.87 4.68 17.54 2.34 19.88 12.28 32.16 2.34 34.50 2.34 36.84 2.34 39.18 0.00 39.18 0.00 39.18 5.26 44.44 4.09 48.54 0.00 48.54 2.34 50.88 0.00 50.88 5.85 56.73 5.26 61.99 7.60 69.59 28.07 97.66 2.34 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2,114.69 209.86 238.46 148.19 973.13 42.85 906.95 60.18 0.00 0.00 2,359.64 262.67 0.00 581.73 0.00 322.49 134.76 4,933.78 7,260.60 243.66 20,793.64

2,114.69 2,324.55 2,563.01 2,711.20 3,684.33 3,727.18 4,634.13 4,694.31 4,694.31 4,694.31 7,053.95 7,316.62 7,316.62 7,898.35 7,898.35 8,220.84 8,355.59 13,289.37 20,549.97 20,793.64

10.17 10.17 1.01 11.18 1.15 12.33 0.71 13.04 4.68 17.72 0.21 17.92 4.36 22.29 0.29 22.58 0.00 22.58 0.00 22.58 11.35 33.92 1.26 35.19 0.00 35.19 2.80 37.98 0.00 37.98 1.55 39.54 0.65 40.18 23.73 63.91 34.92 98.83 1.17 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 71.28 18.98 9.28 5.73 20.58 1.11 22.96 1.53 0.00 0.00 146.26 15.71 0.00 26.15 0.00 7.26 4.38 272.01 175.20 1.64

71.28 57.08 38.59 29.39 26.40 20.94 21.30 18.27 16.60 15.92 22.69 22.33 21.45 21.74 20.97 19.53 18.50 28.28 40.19 31.49

31.49

Page 138 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 18 - SULAWESI UTARA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,860 1,440 2,433 1,607 1,777 914 726 657 374 180 144 195 82 173 107 115 96 29 66 9 12,984

1,860 3,300 5,733 7,340 9,117 10,031 10,757 11,414 11,788 11,968 12,112 12,307 12,389 12,562 12,669 12,784 12,880 12,909 12,975 12,984

14.33 14.33 11.09 25.42 18.74 44.15 12.38 56.53 13.69 70.22 7.04 77.26 5.59 82.85 5.06 87.91 2.88 90.79 1.39 92.17 1.11 93.28 1.50 94.79 0.63 95.42 1.33 96.75 0.82 97.57 0.89 98.46 0.74 99.20 0.22 99.42 0.51 99.93 0.07 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 879.15 356.41 830.42 772.01 1,517.29 1,399.79 1,495.93 1,916.62 1,322.00 920.33 900.88 957.32 530.52 1,295.08 1,013.37 1,472.36 1,005.80 352.86 469.96 200.31 19,608.42

879.15 1,235.56 2,065.98 2,837.99 4,355.28 5,755.08 7,251.01 9,167.63 10,489.64 11,409.97 12,310.85 13,268.16 13,798.68 15,093.76 16,107.13 17,579.49 18,585.29 18,938.15 19,408.11 19,608.42

4.48 4.48 1.82 6.30 4.24 10.54 3.94 14.47 7.74 22.21 7.14 29.35 7.63 36.98 9.77 46.75 6.74 53.50 4.69 58.19 4.59 62.78 4.88 67.67 2.71 70.37 6.60 76.98 5.17 82.14 7.51 89.65 5.13 94.78 1.80 96.58 2.40 98.98 1.02 100.00

DATE

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

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

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

0.00 48.00 219.68 130.00 929.00 0.00 0.00 0.00 0.00 87.43 320.55 0.00 69.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0 2 6 8 14 14 14 14 14 17 21 21 24 24 24 26 26 27 28 28

0.00 0.00 7.14 7.14 14.29 21.43 7.14 28.57 21.43 50.00 0.00 50.00 0.00 50.00 0.00 50.00 0.00 50.00 10.71 60.71 14.29 75.00 0.00 75.00 10.71 85.71 0.00 85.71 0.00 85.71 7.14 92.86 0.00 92.86 3.57 96.43 3.57 100.00 0.00 100.00

1,803.95

0.00 48.00 267.68 397.68 1,326.68 1,326.68 1,326.68 1,326.68 1,326.68 1,414.10 1,734.65 1,734.65 1,803.95 1,803.95 1,803.95 1,803.95 1,803.95 1,803.95 1,803.95 1,803.95

0.00 2.66 12.18 7.21 51.50 0.00 0.00 0.00 0.00 4.85 17.77 0.00 3.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 2.66 14.84 22.04 73.54 73.54 73.54 73.54 73.54 78.39 96.16 96.16 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2009

15/06/2011

15/11/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 13.47 26.45 16.84 61.23 0.00 0.00 0.00 0.00 9.50 35.58 0.00 13.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 3.88 12.96 14.01 30.46 23.05 18.30 14.47 12.65 12.39 14.09 13.07 13.07 11.95 11.20 10.26 9.71 9.53 9.29 9.20

9.20

Page 139 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 19 - SULAWESI TENGAH

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,243 958 1,237 826 880 471 330 284 163 82 47 69 55 63 36 22 36 21 5 0 6,828

1,243 2,201 3,438 4,264 5,144 5,615 5,945 6,229 6,392 6,474 6,521 6,590 6,645 6,708 6,744 6,766 6,802 6,823 6,828 6,828

18.20 18.20 14.03 32.23 18.12 50.35 12.10 62.45 12.89 75.34 6.90 82.23 4.83 87.07 4.16 91.23 2.39 93.61 1.20 94.82 0.69 95.50 1.01 96.51 0.81 97.32 0.92 98.24 0.53 98.77 0.32 99.09 0.53 99.62 0.31 99.93 0.07 100.00 0.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 312.68 266.16 596.38 973.68 1,420.68 1,038.46 1,009.94 1,102.83 847.64 529.99 331.67 523.71 404.69 424.87 310.32 592.98 286.02 115.78 34.18 0.00 11,122.66

312.68 578.84 1,175.23 2,148.91 3,569.59 4,608.05 5,617.99 6,720.83 7,568.47 8,098.46 8,430.13 8,953.84 9,358.52 9,783.39 10,093.71 10,686.69 10,972.71 11,088.48 11,122.66 11,122.66

2.81 2.81 2.39 5.20 5.36 10.57 8.75 19.32 12.77 32.09 9.34 41.43 9.08 50.51 9.92 60.42 7.62 68.05 4.76 72.81 2.98 75.79 4.71 80.50 3.64 84.14 3.82 87.96 2.79 90.75 5.33 96.08 2.57 98.65 1.04 99.69 0.31 100.00 0.00 100.00

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

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

0.00 0.00 33.33 0.00 66.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

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

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 2.47 0.00 56.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 59.28

0.00 0.00 2.47 2.47 59.28 59.28 59.28 59.28 59.28 59.28 59.28 59.28 59.28 59.28 59.28 59.28 59.28 59.28 59.28 59.28

0.00 0.00 4.16 0.00 95.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 4.16 4.16 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.41 0.00 4.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.21 0.11 1.66 1.29 1.06 0.88 0.78 0.73 0.70 0.66 0.63 0.61 0.59 0.55 0.54 0.53 0.53 0.53

0.53

Page 140 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 20 - SULAWESI SELATAN

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

5,221 6,297 7,356 4,006 4,084 2,163 1,353 1,095 624 326 294 341 190 311 155 243 200 89 91 45 34,484

5,221 11,518 18,874 22,880 26,964 29,127 30,480 31,575 32,199 32,525 32,819 33,160 33,350 33,661 33,816 34,059 34,259 34,348 34,439 34,484

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

15.14 15.14 1,936.49 1,936.49 18.26 33.40 1,262.98 3,199.48 21.33 54.73 2,855.83 6,055.31 11.62 66.35 3,187.25 9,242.56 11.84 78.19 5,410.66 14,653.22 6.27 84.47 4,904.83 19,558.05 3.92 88.39 3,613.85 23,171.91 3.18 91.56 3,570.60 26,742.51 1.81 93.37 2,372.25 29,114.76 0.95 94.32 1,397.87 30,512.62 0.85 95.17 1,494.22 32,006.84 0.99 96.16 1,666.80 33,673.64 0.55 96.71 1,274.28 34,947.91 0.90 97.61 2,027.15 36,975.07 0.45 98.06 1,518.20 38,493.27 0.70 98.77 3,055.75 41,549.02 0.58 99.35 2,515.03 44,064.05 0.26 99.61 1,490.57 45,554.62 0.26 99.87 1,190.91 46,745.53 0.13 100.00 164,584.78 211,330.31 211,330.31

0.92 0.92 0.60 1.51 1.35 2.87 1.51 4.37 2.56 6.93 2.32 9.25 1.71 10.96 1.69 12.65 1.12 13.78 0.66 14.44 0.71 15.15 0.79 15.93 0.60 16.54 0.96 17.50 0.72 18.21 1.45 19.66 1.19 20.85 0.71 21.56 0.56 22.12 77.88 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

23 8 4 6 9 6 5 1 4 4 5 4 8 6 0 2 2 4 6 3 110

23 31 35 41 50 56 61 62 66 70 75 79 87 93 93 95 97 101 107 110

20.91 20.91 7.27 28.18 3.64 31.82 5.45 37.27 8.18 45.45 5.45 50.91 4.55 55.45 0.91 56.36 3.64 60.00 3.64 63.64 4.55 68.18 3.64 71.82 7.27 79.09 5.45 84.55 0.00 84.55 1.82 86.36 1.82 88.18 3.64 91.82 5.45 97.27 2.73 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2,631.20 23.06 33.35 332.60 648.44 214.91 2,749.01 0.00 40.79 23.47 198.35 1,971.33 239.57 305.70 0.00 33.46 32.67 132.62 132.34 522.70 10,265.56

2,631.20 2,654.27 2,687.61 3,020.22 3,668.65 3,883.56 6,632.57 6,632.57 6,673.36 6,696.83 6,895.18 8,866.51 9,106.08 9,411.78 9,411.78 9,445.24 9,477.91 9,610.53 9,742.87 10,265.56

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM.

25.63 25.63 135.87 135.87 0.22 25.86 1.83 82.96 0.32 26.18 1.17 44.38 3.24 29.42 10.44 32.68 6.32 35.74 11.98 25.04 2.09 37.83 4.38 19.86 26.78 64.61 76.07 28.62 0.00 64.61 0.00 24.80 0.40 65.01 1.72 22.92 0.23 65.24 1.68 21.95 1.93 67.17 13.27 21.54 19.20 86.37 118.27 26.33 2.33 88.71 18.80 26.06 2.98 91.68 15.08 25.45 0.00 91.68 0.00 24.45 0.33 92.01 1.09 22.73 0.32 92.33 1.30 21.51 1.29 93.62 8.90 21.10 1.29 94.91 11.11 20.84 5.09 100.00 0.32 4.86 4.86

Page 141 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 21 - SULAWESI TENGGARA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 664 743 929 604 689 381 213 189 79 32 29 57 14 28 10 17 17 2 7 5

4,709

664 1,407 2,336 2,940 3,629 4,010 4,223 4,412 4,491 4,523 4,552 4,609 4,623 4,651 4,661 4,678 4,695 4,697 4,704 4,709

14.10 14.10 15.78 29.88 19.73 49.61 12.83 62.43 14.63 77.07 8.09 85.16 4.52 89.68 4.01 93.69 1.68 95.37 0.68 96.05 0.62 96.67 1.21 97.88 0.30 98.17 0.59 98.77 0.21 98.98 0.36 99.34 0.36 99.70 0.04 99.75 0.15 99.89 0.11 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 218.03 143.89 396.07 407.60 901.64 727.05 579.88 628.17 312.67 158.96 148.57 217.11 126.53 292.53 69.50 153.30 236.40 20.18 24.97 156.02 5,919.07

218.03 361.92 757.99 1,165.59 2,067.23 2,794.28 3,374.16 4,002.33 4,315.00 4,473.95 4,622.52 4,839.63 4,966.16 5,258.69 5,328.19 5,481.49 5,717.90 5,738.08 5,763.05 5,919.07

3.68 3.68 2.43 6.11 6.69 12.81 6.89 19.69 15.23 34.92 12.28 47.21 9.80 57.00 10.61 67.62 5.28 72.90 2.69 75.59 2.51 78.10 3.67 81.76 2.14 83.90 4.94 88.84 1.17 90.02 2.59 92.61 3.99 96.60 0.34 96.94 0.42 97.36 2.64 100.00

DATE

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

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

2 5 0 3 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.60 122.72 0.00 128.11 90.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2 7 7 10 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13 13

15.38 38.46 0.00 23.08 23.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15.38 53.85 53.85 76.92 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

341.43

0.60 123.32 123.32 251.43 341.43 341.43 341.43 341.43 341.43 341.43 341.43 341.43 341.43 341.43 341.43 341.43 341.43 341.43 341.43 341.43

0.18 35.94 0.00 37.52 26.36 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

0.18 36.12 36.12 73.64 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.28 85.29 0.00 31.43 9.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.28 34.07 16.27 21.57 16.52 12.22 10.12 8.53 7.91 7.63 7.39 7.05 6.88 6.49 6.41 6.23 5.97 5.95 5.92 5.77

5.77

Page 142 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 22 - BALI

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

4,629 3,275 3,806 2,635 3,320 1,958 1,861 1,569 1,037 617 422 628 326 432 282 378 309 108 133 102 27,827

4,629 7,904 11,710 14,345 17,665 19,623 21,484 23,053 24,090 24,707 25,129 25,757 26,083 26,515 26,797 27,175 27,484 27,592 27,725 27,827

16.63 16.63 11.77 28.40 13.68 42.08 9.47 51.55 11.93 63.48 7.04 70.52 6.69 77.21 5.64 82.84 3.73 86.57 2.22 88.79 1.52 90.30 2.26 92.56 1.17 93.73 1.55 95.29 1.01 96.30 1.36 97.66 1.11 98.77 0.39 99.16 0.48 99.63 0.37 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,259.67 556.26 1,110.94 1,414.27 2,652.81 2,537.00 5,417.65 3,557.40 2,887.49 2,028.64 1,681.73 2,840.25 1,856.52 3,035.46 2,186.94 3,849.85 3,210.40 1,187.71 2,219.30 3,275.33 49,765.65

2,259.67 2,815.93 3,926.88 5,341.15 7,993.96 10,530.96 15,948.61 19,506.01 22,393.50 24,422.14 26,103.87 28,944.12 30,800.64 33,836.10 36,023.04 39,872.89 43,083.30 44,271.01 46,490.31 49,765.65

4.54 4.54 1.12 5.66 2.23 7.89 2.84 10.73 5.33 16.06 5.10 21.16 10.89 32.05 7.15 39.20 5.80 45.00 4.08 49.07 3.38 52.45 5.71 58.16 3.73 61.89 6.10 67.99 4.39 72.39 7.74 80.12 6.45 86.57 2.39 88.96 4.46 93.42 6.58 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

29 4 4 6 13 8 18 18 13 10 4 12 9 11 6 22 28 6 27 6 254

29 33 37 43 56 64 82 100 113 123 127 139 148 159 165 187 215 221 248 254

11.42 11.42 1.57 12.99 1.57 14.57 2.36 16.93 5.12 22.05 3.15 25.20 7.09 32.28 7.09 39.37 5.12 44.49 3.94 48.43 1.57 50.00 4.72 54.72 3.54 58.27 4.33 62.60 2.36 64.96 8.66 73.62 11.02 84.65 2.36 87.01 10.63 97.64 2.36 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,469.52 6.56 42.25 169.47 199.98 42.40 1,188.73 765.07 48.34 113.74 7.80 81.22 2,310.84 551.39 440.86 728.91 295.80 27.59 2,095.04 60.36 10,645.86

1,469.52 1,476.08 1,518.32 1,687.79 1,887.77 1,930.17 3,118.90 3,883.97 3,932.31 4,046.05 4,053.85 4,135.07 6,445.91 6,997.30 7,438.16 8,167.06 8,462.87 8,490.46 10,585.50 10,645.86

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM.

13.80 13.80 65.03 0.06 13.87 1.18 0.40 14.26 3.80 1.59 15.85 11.98 1.88 17.73 7.54 0.40 18.13 1.67 11.17 29.30 21.94 7.19 36.48 21.51 0.45 36.94 1.67 1.07 38.01 5.61 0.07 38.08 0.46 0.76 38.84 2.86 21.71 60.55 124.47 5.18 65.73 18.16 4.14 69.87 20.16 6.85 76.72 18.93 2.78 79.49 9.21 0.26 79.75 2.32 19.68 99.43 94.40 0.57 100.00 1.84

65.03 52.42 38.66 31.60 23.61 18.33 19.56 19.91 17.56 16.57 15.53 14.29 20.93 20.68 20.65 20.48 19.64 19.18 22.77 21.39

21.39

Page 143 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 22 - BALI

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

4,629 3,275 3,806 2,635 3,320 1,958 1,861 1,569 1,037 617 422 628 326 432 282 378 309 108 133 102 27,827

4,629 7,904 11,710 14,345 17,665 19,623 21,484 23,053 24,090 24,707 25,129 25,757 26,083 26,515 26,797 27,175 27,484 27,592 27,725 27,827

2,259.67 2,815.93 3,926.88 5,341.15 7,993.96 10,530.96 15,948.61 19,506.01 22,393.50 24,422.14 26,103.87 28,944.12 30,800.64 33,836.10 36,023.04 39,872.89 43,083.30 44,271.01 46,490.31 49,765.65

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

29 4 4 6 13 8 18 18 13 10 4 12 9 11 6 22 28 6 27 6 254

29 33 37 43 56 64 82 100 113 123 127 139 148 159 165 187 215 221 248 254

DATE

1,469.52 1,476.08 1,518.32 1,687.79 1,887.77 1,930.17 3,118.90 3,883.97 3,932.31 4,046.05 4,053.85 4,135.07 6,445.91 6,997.30 7,438.16 8,167.06 8,462.87 8,490.46 10,585.50 10,645.86

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM.

65.03 52.42 38.66 31.60 23.61 18.33 19.56 19.91 17.56 16.57 15.53 14.29 20.93 20.68 20.65 20.48 19.64 19.18 22.77 21.39

21.39

Page 143 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 23 - NUSA TENGGARA BARAT

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,739 1,433 1,635 838 867 425 340 257 101 108 55 73 64 58 19 50 38 16 13 1 8,130

1,739 3,172 4,807 5,645 6,512 6,937 7,277 7,534 7,635 7,743 7,798 7,871 7,935 7,993 8,012 8,062 8,100 8,116 8,129 8,130

21.39 21.39 17.63 39.02 20.11 59.13 10.31 69.43 10.66 80.10 5.23 85.33 4.18 89.51 3.16 92.67 1.24 93.91 1.33 95.24 0.68 95.92 0.90 96.81 0.79 97.60 0.71 98.31 0.23 98.55 0.62 99.16 0.47 99.63 0.20 99.83 0.16 99.99 0.01 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 309.16 278.82 726.27 653.50 923.07 712.57 561.04 693.11 408.00 381.99 268.78 415.07 331.09 493.05 120.56 1,041.38 389.36 114.08 90.51 184.41 9,095.82

309.16 587.98 1,314.24 1,967.75 2,890.82 3,603.38 4,164.42 4,857.53 5,265.53 5,647.52 5,916.30 6,331.37 6,662.47 7,155.52 7,276.08 8,317.46 8,706.82 8,820.90 8,911.41 9,095.82

3.40 3.40 3.07 6.46 7.98 14.45 7.18 21.63 10.15 31.78 7.83 39.62 6.17 45.78 7.62 53.40 4.49 57.89 4.20 62.09 2.95 65.04 4.56 69.61 3.64 73.25 5.42 78.67 1.33 79.99 11.45 91.44 4.28 95.72 1.25 96.98 1.00 97.97 2.03 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

0 0 0 3 4 0 0 2 13 0 0 2 6 0 0 172 2 7 0 0 211

0 0 0 3 7 7 7 9 22 22 22 24 30 30 30 202 204 211 211 211

0.00 0.00 0.00 0.00 0.00 0.00 1.42 1.42 1.90 3.32 0.00 3.32 0.00 3.32 0.95 4.27 6.16 10.43 0.00 10.43 0.00 10.43 0.95 11.37 2.84 14.22 0.00 14.22 0.00 14.22 81.52 95.73 0.95 96.68 3.32 100.00 0.00 100.00 0.00 100.00

DATE

01/01/2009

15/06/2011

15/10/2011

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

LOSS RATIO PERCENTAGE BAND CUM.

0.00 0.00 0.00 21.19 21.52 0.00 0.00 5.78 290.61 0.00 0.00 2.51 664.06 0.00 0.00 454.30 5.74 828.91 0.00 0.00

0.00 0.00 0.00 3.24 2.33 0.00 0.00 0.83 71.23 0.00 0.00 0.60 200.57 0.00 0.00 43.62 1.47 726.58 0.00 0.00

2,294.61

0.00 0.00 0.00 21.19 42.71 42.71 42.71 48.49 339.10 339.10 339.10 341.61 1,005.67 1,005.67 1,005.67 1,459.97 1,465.70 2,294.61 2,294.61 2,294.61

0.00 0.00 0.00 0.00 0.00 0.00 0.92 0.92 0.94 1.86 0.00 1.86 0.00 1.86 0.25 2.11 12.66 14.78 0.00 14.78 0.00 14.78 0.11 14.89 28.94 43.83 0.00 43.83 0.00 43.83 19.80 63.63 0.25 63.88 36.12 100.00 0.00 100.00 0.00 100.00

0.00 0.00 0.00 1.08 1.48 1.19 1.03 1.00 6.44 6.00 5.73 5.40 15.09 14.05 13.82 17.55 16.83 26.01 25.75 25.23

25.23

Page 144 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 24 - NUSA TENGGARA TIMUR

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

825 1,159 1,184 644 843 487 367 267 156 84 62 51 30 36 19 38 19 1 5 1 6,278

825 1,984 3,168 3,812 4,655 5,142 5,509 5,776 5,932 6,016 6,078 6,129 6,159 6,195 6,214 6,252 6,271 6,272 6,277 6,278

13.14 13.14 18.46 31.60 18.86 50.46 10.26 60.72 13.43 74.15 7.76 81.91 5.85 87.75 4.25 92.00 2.48 94.49 1.34 95.83 0.99 96.81 0.81 97.63 0.48 98.10 0.57 98.68 0.30 98.98 0.61 99.59 0.30 99.89 0.02 99.90 0.08 99.98 0.02 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 104.99 219.27 534.56 510.73 1,141.88 980.46 1,069.06 1,055.32 706.42 398.83 439.50 364.28 229.58 298.18 132.73 291.03 223.45 16.55 8.22 24.28 8,749.32

104.99 324.26 858.83 1,369.56 2,511.44 3,491.90 4,560.97 5,616.28 6,322.70 6,721.54 7,161.04 7,525.31 7,754.90 8,053.08 8,185.81 8,476.84 8,700.28 8,716.83 8,725.05 8,749.32

1.20 1.20 2.51 3.71 6.11 9.82 5.84 15.65 13.05 28.70 11.21 39.91 12.22 52.13 12.06 64.19 8.07 72.27 4.56 76.82 5.02 81.85 4.16 86.01 2.62 88.63 3.41 92.04 1.52 93.56 3.33 96.89 2.55 99.44 0.19 99.63 0.09 99.72 0.28 100.00

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

0 2 2 4 4 7 7 10 10 10 10 10 10 10 10 10 10 10 10 10

0.00 20.00 0.00 20.00 0.00 30.00 0.00 30.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 20.00 20.00 40.00 40.00 70.00 70.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 33.89 0.00 189.41 0.00 190.95 0.00 82.48 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 496.73

0.00 33.89 33.89 223.30 223.30 414.24 414.24 496.73 496.73 496.73 496.73 496.73 496.73 496.73 496.73 496.73 496.73 496.73 496.73 496.73

0.00 6.82 0.00 38.13 0.00 38.44 0.00 16.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 6.82 6.82 44.95 44.95 83.39 83.39 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 15.45 0.00 37.09 0.00 19.48 0.00 7.82 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 10.45 3.95 16.30 8.89 11.86 9.08 8.84 7.86 7.39 6.94 6.60 6.41 6.17 6.07 5.86 5.71 5.70 5.69 5.68

5.68

Page 145 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 25 - MALUKU

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 337 305 322 234 260 135 130 128 64 34 24 22 23 22 18 30 13 17 12 0 2,130

337 642 964 1,198 1,458 1,593 1,723 1,851 1,915 1,949 1,973 1,995 2,018 2,040 2,058 2,088 2,101 2,118 2,130 2,130

15.82 15.82 14.32 30.14 15.12 45.26 10.99 56.24 12.21 68.45 6.34 74.79 6.10 80.89 6.01 86.90 3.00 89.91 1.60 91.50 1.13 92.63 1.03 93.66 1.08 94.74 1.03 95.77 0.85 96.62 1.41 98.03 0.61 98.64 0.80 99.44 0.56 100.00 0.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 167.89 66.82 158.65 187.50 352.12 307.63 398.19 459.16 344.74 172.54 137.79 204.17 190.73 261.69 79.81 426.39 171.88 178.12 144.35 0.00 4,410.17

167.89 234.71 393.36 580.86 932.98 1,240.62 1,638.80 2,097.96 2,442.71 2,615.24 2,753.03 2,957.20 3,147.93 3,409.63 3,489.44 3,915.83 4,087.71 4,265.82 4,410.17 4,410.17

3.81 3.81 1.52 5.32 3.60 8.92 4.25 13.17 7.98 21.16 6.98 28.13 9.03 37.16 10.41 47.57 7.82 55.39 3.91 59.30 3.12 62.42 4.63 67.05 4.32 71.38 5.93 77.31 1.81 79.12 9.67 88.79 3.90 92.69 4.04 96.73 3.27 100.00 0.00 100.00

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

2 2 2 2 2 2 6 6 6 6 6 6 6 6 8 12 12 12 12 12

16.67 0.00 0.00 0.00 0.00 0.00 33.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16.67 33.33 0.00 0.00 0.00 0.00

16.67 16.67 16.67 16.67 16.67 16.67 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 66.67 100.00 100.00 100.00 100.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 40.53 0.00 0.00 0.00 0.00 0.00 109.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,752.27 20,036.52 0.00 0.00 0.00 0.00 21,939.25

40.53 40.53 40.53 40.53 40.53 40.53 150.45 150.45 150.45 150.45 150.45 150.45 150.45 150.45 1,902.73 21,939.25 21,939.25 21,939.25 21,939.25 21,939.25

0.18 0.00 0.00 0.00 0.00 0.00 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.99 91.33 0.00 0.00 0.00 0.00

0.18 0.18 0.18 0.18 0.18 0.18 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69 8.67 100.00 100.00 100.00 100.00 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 24.14 0.00 0.00 0.00 0.00 0.00 27.61 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,195,48 4,699,14 0.00 0.00 0.00 0.00

24.14 17.27 10.30 6.98 4.34 3.27 9.18 7.17 6.16 5.75 5.47 5.09 4.78 4.41 54.53 560.27 536.71 514.30 497.47 497.47

497.47

Page 146 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 26 - IRIAN JAYA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING NUMBER OF POLICIES PERCENTAGE F BAND CUM.

816 789 1,135 840 1,017 584 448 361 206 146 77 101 57 87 39 60 39 8 19 0 6,829

816 1,605 2,740 3,580 4,597 5,181 5,629 5,990 6,196 6,342 6,419 6,520 6,577 6,664 6,703 6,763 6,802 6,810 6,829 6,829

11.95 11.95 11.55 23.50 16.62 40.12 12.30 52.42 14.89 67.32 8.55 75.87 6.56 82.43 5.29 87.71 3.02 90.73 2.14 92.87 1.13 94.00 1.48 95.48 0.83 96.31 1.27 97.58 0.57 98.15 0.88 99.03 0.57 99.60 0.12 99.72 0.28 100.00 0.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 191.03 252.23 538.42 668.32 1,516.69 1,314.77 1,378.32 1,622.42 1,217.72 1,028.67 647.70 810.15 533.29 870.40 516.00 750.09 555.61 257.38 884.76 0.00 15,553.98

191.03 443.27 981.69 1,650.01 3,166.70 4,481.47 5,859.79 7,482.21 8,699.93 9,728.60 10,376.30 11,186.45 11,719.74 12,590.14 13,106.14 13,856.24 14,411.85 14,669.22 15,553.98 15,553.98

1.23 1.23 1.62 2.85 3.46 6.31 4.30 10.61 9.75 20.36 8.45 28.81 8.86 37.67 10.43 48.10 7.83 55.93 6.61 62.55 4.16 66.71 5.21 71.92 3.43 75.35 5.60 80.94 3.32 84.26 4.82 89.08 3.57 92.66 1.65 94.31 5.69 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

0 6 0 4 0 0 5 3 0 5 1 3 0 0 0 0 8 18 35 0 88

0 6 6 10 10 10 15 18 18 23 24 27 27 27 27 27 35 53 88 88

0.00 0.00 6.82 6.82 0.00 6.82 4.55 11.36 0.00 11.36 0.00 11.36 5.68 17.05 3.41 20.45 0.00 20.45 5.68 26.14 1.14 27.27 3.41 30.68 0.00 30.68 0.00 30.68 0.00 30.68 0.00 30.68 9.09 39.77 20.45 60.23 39.77 100.00 0.00 100.00

DATE

01/01/2009

15/06/2011

15/10/2011

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

LOSS RATIO PERCENTAGE BAND CUM.

0.00 99.79 0.00 694.80 0.00 0.00 644.78 237.05 0.00 63.92 110.37 17.44 0.00 0.00 0.00 0.00 9.84 48.70 104.28 0.00

0.00 39.56 0.00 103.96 0.00 0.00 46.78 14.61 0.00 6.21 17.04 2.15 0.00 0.00 0.00 0.00 1.77 18.92 11.79 0.00

2,030.98

0.00 99.79 99.79 794.59 794.59 794.59 1,439.37 1,676.42 1,676.42 1,740.33 1,850.71 1,868.15 1,868.15 1,868.15 1,868.15 1,868.15 1,877.99 1,926.69 2,030.98 2,030.98

0.00 0.00 4.91 4.91 0.00 4.91 34.21 39.12 0.00 39.12 0.00 39.12 31.75 70.87 11.67 82.54 0.00 82.54 3.15 85.69 5.43 91.12 0.86 91.98 0.00 91.98 0.00 91.98 0.00 91.98 0.00 91.98 0.48 92.47 2.40 94.87 5.13 100.00 0.00 100.00

0.00 22.51 10.17 48.16 25.09 17.73 24.56 22.41 19.27 17.89 17.84 16.70 15.94 14.84 14.25 13.48 13.03 13.13 13.06 13.06

13.06

Page 147 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 27 - MALUKU UTARA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 140 154 239 131 156 112 100 88 55 25 15 22 21 19 3 1 1 3 2 2

1,289

140 294 533 664 820 932 1,032 1,120 1,175 1,200 1,215 1,237 1,258 1,277 1,280 1,281 1,282 1,285 1,287 1,289

10.86 10.86 11.95 22.81 18.54 41.35 10.16 51.51 12.10 63.62 8.69 72.30 7.76 80.06 6.83 86.89 4.27 91.16 1.94 93.10 1.16 94.26 1.71 95.97 1.63 97.60 1.47 99.07 0.23 99.30 0.08 99.38 0.08 99.46 0.23 99.69 0.16 99.84 0.16 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 67.97 33.00 123.83 94.43 235.34 230.88 281.14 496.42 383.83 205.46 124.92 194.36 236.19 244.79 55.44 67.87 8.05 130.67 27.00 0.00 3,241.61

67.97 100.97 224.80 319.24 554.58 785.46 1,066.60 1,563.03 1,946.86 2,152.32 2,277.24 2,471.59 2,707.78 2,952.57 3,008.01 3,075.89 3,083.93 3,214.60 3,241.61 3,241.61

2.10 2.10 1.02 3.11 3.82 6.93 2.91 9.85 7.26 17.11 7.12 24.23 8.67 32.90 15.31 48.22 11.84 60.06 6.34 66.40 3.85 70.25 6.00 76.25 7.29 83.53 7.55 91.08 1.71 92.79 2.09 94.89 0.25 95.14 4.03 99.17 0.83 100.00 0.00 100.00

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

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

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 183.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 183.07

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 183.07 100.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00 183.07 0.00 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 77.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 33.01 23.31 17.16 11.71 9.40 8.51 8.04 7.41 6.76 6.20 6.09 5.95 5.94 5.69 5.65 5.65

5.65

Page 148 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 28 - IRIAN JAYA BARAT

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 280 358 597 319 331 200 168 108 67 38 32 30 21 21 16 27 12 4 1 0

2,630

280 638 1,235 1,554 1,885 2,085 2,253 2,361 2,428 2,466 2,498 2,528 2,549 2,570 2,586 2,613 2,625 2,629 2,630 2,630

10.65 10.65 13.61 24.26 22.70 46.96 12.13 59.09 12.59 71.67 7.60 79.28 6.39 85.67 4.11 89.77 2.55 92.32 1.44 93.76 1.22 94.98 1.14 96.12 0.80 96.92 0.80 97.72 0.61 98.33 1.03 99.35 0.46 99.81 0.15 99.96 0.04 100.00 0.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 24.93 62.03 182.38 184.47 370.18 442.47 524.59 420.39 347.40 263.25 258.10 271.71 159.34 265.93 277.72 305.18 271.42 65.05 6.33 0.00 4,702.87

24.93 86.97 269.34 453.82 824.00 1,266.46 1,791.05 2,211.45 2,558.85 2,822.10 3,080.20 3,351.92 3,511.25 3,777.18 4,054.90 4,360.08 4,631.50 4,696.54 4,702.87 4,702.87

0.53 0.53 1.32 1.85 3.88 5.73 3.92 9.65 7.87 17.52 9.41 26.93 11.15 38.08 8.94 47.02 7.39 54.41 5.60 60.01 5.49 65.50 5.78 71.27 3.39 74.66 5.65 80.32 5.91 86.22 6.49 92.71 5.77 98.48 1.38 99.87 0.13 100.00 0.00 100.00

DATE

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

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

0 0 0 0 2 2 2 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 24.45 437.45 44.93 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0 0 0 0 2 4 6 6 6 6 6 6 6 6 6 6 6 6 6 6

0.00 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 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

506.84

0.00 0.00 0.00 0.00 24.45 461.90 506.84 506.84 506.84 506.84 506.84 506.84 506.84 506.84 506.84 506.84 506.84 506.84 506.84 506.84

0.00 0.00 0.00 0.00 4.82 86.31 8.87 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 4.82 91.13 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 6.61 98.87 8.57 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 2.97 36.47 28.30 22.92 19.81 17.96 16.45 15.12 14.43 13.42 12.50 11.62 10.94 10.79 10.78 10.78

10.78

Page 149 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 29 - BANTEN

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 7,606 6,273 9,631 6,574 7,547 3,671 2,544 2,162 1,264 755 675 867 617 846 646 1,052 1,042 533 686 226 55,217

7,606 13,879 23,510 30,084 37,631 41,302 43,846 46,008 47,272 48,027 48,702 49,569 50,186 51,032 51,678 52,730 53,772 54,305 54,991 55,217

13.77 13.77 11.36 25.14 17.44 42.58 11.91 54.48 13.67 68.15 6.65 74.80 4.61 79.41 3.92 83.32 2.29 85.61 1.37 86.98 1.22 88.20 1.57 89.77 1.12 90.89 1.53 92.42 1.17 93.59 1.91 95.50 1.89 97.38 0.97 98.35 1.24 99.59 0.41 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 8,502.48 8,502.48 1,235.52 9,738.01 2,781.33 12,519.33 2,752.93 15,272.26 5,248.60 20,520.86 3,987.45 24,508.31 3,722.17 28,230.48 4,322.31 32,552.80 3,636.73 36,189.53 2,819.03 39,008.56 2,993.40 42,001.96 4,221.74 46,223.70 3,619.13 49,842.83 6,429.50 56,272.34 5,864.00 62,136.33 13,030.28 75,166.61 13,999.89 89,166.50 6,287.57 95,454.07 7,316.80 102,770.87 1,087.07 103,857.93 103,857.93

8.19 8.19 1.19 9.38 2.68 12.05 2.65 14.70 5.05 19.76 3.84 23.60 3.58 27.18 4.16 31.34 3.50 34.85 2.71 37.56 2.88 40.44 4.06 44.51 3.48 47.99 6.19 54.18 5.65 59.83 12.55 72.37 13.48 85.85 6.05 91.91 7.05 98.95 1.05 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 147 4 19 21 26 13 21 22 15 12 4 12 12 11 17 25 58 47 68 23 577

147 151 170 191 217 230 251 273 288 300 304 316 328 339 356 381 439 486 554 577

25.48 25.48 0.69 26.17 3.29 29.46 3.64 33.10 4.51 37.61 2.25 39.86 3.64 43.50 3.81 47.31 2.60 49.91 2.08 51.99 0.69 52.69 2.08 54.77 2.08 56.85 1.91 58.75 2.95 61.70 4.33 66.03 10.05 76.08 8.15 84.23 11.79 96.01 3.99 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 17,612.48 10.10 290.11 235.33 212.71 1,127.12 176.66 1,435.28 2,282.49 53.89 479.72 227.31 4,339.72 3,938.88 462.18 438.21 5,370.52 17,250.19 5,127.31 590.25 61,660.46

17,612.48 17,622.58 17,912.69 18,148.02 18,360.74 19,487.86 19,664.51 21,099.79 23,382.28 23,436.17 23,915.89 24,143.20 28,482.92 32,421.80 32,883.98 33,322.19 38,692.72 55,942.90 61,070.21 61,660.46

28.56 28.56 0.02 28.58 0.47 29.05 0.38 29.43 0.34 29.78 1.83 31.61 0.29 31.89 2.33 34.22 3.70 37.92 0.09 38.01 0.78 38.79 0.37 39.16 7.04 46.19 6.39 52.58 0.75 53.33 0.71 54.04 8.71 62.75 27.98 90.73 8.32 99.04 0.96 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 207.15 0.82 10.43 8.55 4.05 28.27 4.75 33.21 62.76 1.91 16.03 5.38 119.91 61.26 7.88 3.36 38.36 274.35 70.08 54.30

207.15 180.97 143.08 118.83 89.47 79.52 69.66 64.82 64.61 60.08 56.94 52.23 57.15 57.62 52.92 44.33 43.39 58.61 59.42 59.37

59.37

Page 150 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, EQ, LOP

UNDERWRITING YEAR

: 2009

PROVINCE

: 30 - BANGKA BELITUNG

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 339 387 506 331 415 255 162 121 89 34 27 29 29 34 19 23 15 13 18 12

2,858

339 726 1,232 1,563 1,978 2,233 2,395 2,516 2,605 2,639 2,666 2,695 2,724 2,758 2,777 2,800 2,815 2,828 2,846 2,858

11.86 11.86 13.54 25.40 17.70 43.11 11.58 54.69 14.52 69.21 8.92 78.13 5.67 83.80 4.23 88.03 3.11 91.15 1.19 92.34 0.94 93.28 1.01 94.30 1.01 95.31 1.19 96.50 0.66 97.17 0.80 97.97 0.52 98.50 0.45 98.95 0.63 99.58 0.42 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 470.84 88.29 201.16 219.80 408.73 389.26 386.97 385.81 322.21 129.17 131.32 197.52 200.51 250.48 93.38 181.25 488.31 70.60 150.11 218.99 4,984.70

470.84 559.13 760.29 980.09 1,388.82 1,778.08 2,165.05 2,550.86 2,873.07 3,002.24 3,133.56 3,331.09 3,531.59 3,782.07 3,875.45 4,056.70 4,545.01 4,615.60 4,765.71 4,984.70

9.45 9.45 1.77 11.22 4.04 15.25 4.41 19.66 8.20 27.86 7.81 35.67 7.76 43.43 7.74 51.17 6.46 57.64 2.59 60.23 2.63 62.86 3.96 66.83 4.02 70.85 5.02 75.87 1.87 77.75 3.64 81.38 9.80 91.18 1.42 92.60 3.01 95.61 4.39 100.00

DATE

01/01/2009

15/06/2011

15/10/2011

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

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

LOSS RATIO PERCENTAGE BAND CUM.

0 0 0 0 0 0 3 0 0 0 3 0 0 0 0 0 3 0 1 0

0.00 0.00 0.00 0.00 0.00 0.00 394.80 0.00 0.00 0.00 10.36 0.00 0.00 0.00 0.00 0.00 866.72 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 102.02 0.00 0.00 0.00 7.89 0.00 0.00 0.00 0.00 0.00 177.49 0.00 0.00 0.00

0 0 0 0 0 0 3 3 3 3 6 6 6 6 6 6 9 9 10 10

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 30.00 30.00 0.00 30.00 0.00 30.00 0.00 30.00 30.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 0.00 60.00 30.00 90.00 0.00 90.00 10.00 100.00 0.00 100.00

1,271.87

0.00 0.00 0.00 0.00 0.00 0.00 394.80 394.80 394.80 394.80 405.16 405.16 405.16 405.16 405.16 405.16 1,271.87 1,271.87 1,271.87 1,271.87

0.00 0.00 0.00 0.00 0.00 0.00 31.04 0.00 0.00 0.00 0.81 0.00 0.00 0.00 0.00 0.00 68.14 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 31.04 31.04 31.04 31.04 31.86 31.86 31.86 31.86 31.86 31.86 100.00 100.00 100.00 100.00

0.00 0.00 0.00 0.00 0.00 0.00 18.23 15.48 13.74 13.15 12.93 12.16 11.47 10.71 10.45 9.99 27.98 27.56 26.69 25.52

25.52

Page 151 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 31 - GORONTALO

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 338 412 525 374 340 242 119 136 58 39 35 28 15 32 19 9 23 2 6 2

2,754

338 750 1,275 1,649 1,989 2,231 2,350 2,486 2,544 2,583 2,618 2,646 2,661 2,693 2,712 2,721 2,744 2,746 2,752 2,754

12.27 12.27 14.96 27.23 19.06 46.30 13.58 59.88 12.35 72.22 8.79 81.01 4.32 85.33 4.94 90.27 2.11 92.37 1.42 93.79 1.27 95.06 1.02 96.08 0.54 96.62 1.16 97.79 0.69 98.47 0.33 98.80 0.84 99.64 0.07 99.71 0.22 99.93 0.07 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 93.49 113.33 204.16 230.13 314.72 391.55 313.81 420.87 297.79 161.13 204.38 226.60 185.98 293.19 145.62 177.71 151.50 12.52 0.00 0.00 3,938.49

93.49 206.82 410.98 641.11 955.83 1,347.38 1,661.19 2,082.06 2,379.85 2,540.98 2,745.37 2,971.97 3,157.94 3,451.14 3,596.76 3,774.47 3,925.97 3,938.49 3,938.49 3,938.49

2.37 2.37 2.88 5.25 5.18 10.44 5.84 16.28 7.99 24.27 9.94 34.21 7.97 42.18 10.69 52.86 7.56 60.43 4.09 64.52 5.19 69.71 5.75 75.46 4.72 80.18 7.44 87.63 3.70 91.32 4.51 95.84 3.85 99.68 0.32 100.00 0.00 100.00 0.00 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 0 0 4 2 0 0 0 0 0 0 2 0 0 0 5 0 0 0 0 0

0 0 4 6 6 6 6 6 6 6 8 8 8 8 13 13 13 13 13 13

0.00 0.00 30.77 15.38 0.00 0.00 0.00 0.00 0.00 0.00 15.38 0.00 0.00 0.00 38.46 0.00 0.00 0.00 0.00 0.00

0.00 0.00 30.77 46.15 46.15 46.15 46.15 46.15 46.15 46.15 61.54 61.54 61.54 61.54 100.00 100.00 100.00 100.00 100.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 93.75 14.85 0.00 0.00 0.00 0.00 0.00 0.00 84.07 0.00 0.00 0.00 73.04 0.00 0.00 0.00 0.00 0.00 265.71

0.00 0.00 93.75 108.60 108.60 108.60 108.60 108.60 108.60 108.60 192.67 192.67 192.67 192.67 265.71 265.71 265.71 265.71 265.71 265.71

0.00 0.00 35.28 5.59 0.00 0.00 0.00 0.00 0.00 0.00 31.64 0.00 0.00 0.00 27.49 0.00 0.00 0.00 0.00 0.00

0.00 0.00 35.28 40.87 40.87 40.87 40.87 40.87 40.87 40.87 72.51 72.51 72.51 72.51 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 45.92 6.45 0.00 0.00 0.00 0.00 0.00 0.00 41.13 0.00 0.00 0.00 50.16 0.00 0.00 0.00 0.00 0.00

0.00 0.00 22.81 16.94 11.36 8.06 6.54 5.22 4.56 4.27 7.02 6.48 6.10 5.58 7.39 7.04 6.77 6.75 6.75 6.75

6.75

Page 152 of 204

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

PROVINCE

: 32 - KEPULAUAN RIAU

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,979 2,496 3,901 2,630 2,724 1,198 739 573 288 161 143 155 97 126 120 160 136 64 107 37 17,834

1,979 4,475 8,376 11,006 13,730 14,928 15,667 16,240 16,528 16,689 16,832 16,987 17,084 17,210 17,330 17,490 17,626 17,690 17,797 17,834

11.10 11.10 14.00 25.09 21.87 46.97 14.75 61.71 15.27 76.99 6.72 83.71 4.14 87.85 3.21 91.06 1.61 92.68 0.90 93.58 0.80 94.38 0.87 95.25 0.54 95.79 0.71 96.50 0.67 97.17 0.90 98.07 0.76 98.83 0.36 99.19 0.60 99.79 0.21 100.00

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

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

1,636.21 463.87 1,040.88 1,552.88 3,200.89 1,930.17 1,529.99 1,612.98 1,170.06 1,234.89 2,200.00 838.78 857.26 1,123.20 1,019.92 1,927.70 2,361.53 1,283.06 4,084.56 1,346.60

9 4 2 0 3 0 4 0 0 0 0 4 0 5 8 3 4 6 13 5

32,415.41

1,636.21 2,100.08 3,140.96 4,693.83 7,894.72 9,824.89 11,354.88 12,967.86 14,137.92 15,372.81 17,572.80 18,411.58 19,268.84 20,392.04 21,411.97 23,339.66 25,701.19 26,984.25 31,068.81 32,415.41

5.05 5.05 1.43 6.48 3.21 9.69 4.79 14.48 9.87 24.35 5.95 30.31 4.72 35.03 4.98 40.01 3.61 43.61 3.81 47.42 6.79 54.21 2.59 56.80 2.64 59.44 3.47 62.91 3.15 66.05 5.95 72.00 7.29 79.29 3.96 83.25 12.60 95.85 4.15 100.00

9 13 15 15 18 18 22 22 22 22 22 26 26 31 39 42 46 52 65 70

12.86 12.86 5.71 18.57 2.86 21.43 0.00 21.43 4.29 25.71 0.00 25.71 5.71 31.43 0.00 31.43 0.00 31.43 0.00 31.43 0.00 31.43 5.71 37.14 0.00 37.14 7.14 44.29 11.43 55.71 4.29 60.00 5.71 65.71 8.57 74.29 18.57 92.86 7.14 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 387.85 63.74 0.00 0.00 122.40 0.00 200.15 0.00 0.00 0.00 0.00 7.41 0.00 62.35 5.50 951.65 9.91 152.72 13,878.63 642.84 16,485.15

387.85 451.59 451.59 451.59 573.99 573.99 774.14 774.14 774.14 774.14 774.14 781.55 781.55 843.90 849.40 1,801.05 1,810.96 1,963.68 15,842.31 16,485.15

2.35 2.35 0.39 2.74 0.00 2.74 0.00 2.74 0.74 3.48 0.00 3.48 1.21 4.70 0.00 4.70 0.00 4.70 0.00 4.70 0.00 4.70 0.04 4.74 0.00 4.74 0.38 5.12 0.03 5.15 5.77 10.93 0.06 10.99 0.93 11.91 84.19 96.10 3.90 100.00

01/01/2009

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 23.70 13.74 0.00 0.00 3.82 0.00 13.08 0.00 0.00 0.00 0.00 0.88 0.00 5.55 0.54 49.37 0.42 11.90 339.78 47.74

23.70 21.50 14.38 9.62 7.27 5.84 6.82 5.97 5.48 5.04 4.41 4.24 4.06 4.14 3.97 7.72 7.05 7.28 50.99 50.86

50.86

Page 153 of 204

RISK AND LOSS PROFILE 2010

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 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: All Code

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

162,569 147,066 218,187 142,534 168,249 93,092 72,512 56,315 32,844 18,382 14,820 17,589 12,301 16,188 10,352 16,607 14,580 6,984 8,293 2,988 1,232,452

162,569 309,635 527,822 670,356 838,605 931,697 1,004,209 1,060,524 1,093,368 1,111,750 1,126,570 1,144,159 1,156,460 1,172,648 1,183,000 1,199,607 1,214,187 1,221,171 1,229,464 1,232,452

13.19 13.19 11.93 25.12 17.70 42.83 11.57 54.39 13.65 68.04 7.55 75.60 5.88 81.48 4.57 86.05 2.66 88.71 1.49 90.21 1.20 91.41 1.43 92.84 1.00 93.83 1.31 95.15 0.84 95.99 1.35 97.33 1.18 98.52 0.57 99.08 0.67 99.76 0.24 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 108,164.28 29,541.68 73,144.56 71,198.58 139,968.75 111,394.00 118,453.78 122,742.00 96,294.15 66,501.98 60,151.95 83,721.68 68,365.74 109,779.94 88,625.18 192,681.41 209,227.49 108,166.92 146,645.77 295,341.33 2,300,111.17

108,164.28 137,705.96 210,850.52 282,049.10 422,017.85 533,411.86 651,865.63 774,607.63 870,901.79 937,403.76 997,555.71 1,081,277.39 1,149,643.13 1,259,423.07 1,348,048.25 1,540,729.66 1,749,957.15 1,858,124.08 2,004,769.84 2,300,111.17

4.70 4.70 1.28 5.99 3.18 9.17 3.10 12.26 6.09 18.35 4.84 23.19 5.15 28.34 5.34 33.68 4.19 37.86 2.89 40.75 2.62 43.37 3.64 47.01 2.97 49.98 4.77 54.75 3.85 58.61 8.38 66.99 9.10 76.08 4.70 80.78 6.38 87.16 12.84 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

888 100 159 109 181 143 119 110 74 66 63 85 68 135 116 370 232 98 242 54 3,412

888 988 1,147 1,256 1,437 1,580 1,699 1,809 1,883 1,949 2,012 2,097 2,165 2,300 2,416 2,786 3,018 3,116 3,358 3,412

26.03 26.03 2.93 28.96 4.66 33.62 3.19 36.81 5.30 42.12 4.19 46.31 3.49 49.79 3.22 53.02 2.17 55.19 1.93 57.12 1.85 58.97 2.49 61.46 1.99 63.45 3.96 67.41 3.40 70.81 10.84 81.65 6.80 88.45 2.87 91.32 7.09 98.42 1.58 100.00

DATE

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

660,713.79 1,617.60 5,310.09 2,220.79 7,519.09 6,127.31 5,178.56 5,018.51 3,159.47 7,452.38 9,059.31 4,518.85 5,586.66 150,325.67 3,163.58 12,018.29 139,702.48 3,432.96 326,282.87 5,860.66 1,364,268.92

660,713.79 662,331.38 667,641.47 669,862.27 677,381.36 683,508.67 688,687.23 693,705.74 696,865.22 704,317.59 713,376.91 717,895.76 723,482.42 873,808.09 876,971.67 888,989.95 1,028,692.44 1,032,125.39 1,358,408.26 1,364,268.92

01/01/2010

15/06/2011

15/10/2011

LOSS RATIO PERCENTAGE BAND CUM.

48.43 48.43 610.84 610.84 0.12 48.55 5.48 480.98 0.39 48.94 7.26 316.64 0.16 49.10 3.12 237.50 0.55 49.65 5.37 160.51 0.45 50.10 5.50 128.14 0.38 50.48 4.37 105.65 0.37 50.85 4.09 89.56 0.23 51.08 3.28 80.02 0.55 51.63 11.21 75.13 0.66 52.29 15.06 71.51 0.33 52.62 5.40 66.39 0.41 53.03 8.17 62.93 11.02 64.05 136.93 69.38 0.23 64.28 3.57 65.05 0.88 65.16 6.24 57.70 10.24 75.40 66.77 58.78 0.25 75.65 3.17 55.55 23.92 99.57 222.50 67.76 0.43 100.00 1.98 59.31 59.31

Page 154 of 204

RISK AND LOSS PROFILE 2010 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 2010 CLASS OF BUSINESS

: FIRE

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: All Code

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

123,041 132,079 190,914 124,156 138,677 69,691 46,765 35,087 18,998 9,694 7,430 8,142 5,309 6,413 3,602 5,192 3,775 1,663 1,813 841 933,282

123,041 255,120 446,034 570,190 708,867 778,558 825,323 860,410 879,408 889,102 896,532 904,674 909,983 916,396 919,998 925,190 928,965 930,628 932,441 933,282

13.18 13.18 14.15 27.34 20.46 47.79 13.30 61.10 14.86 75.95 7.47 83.42 5.01 88.43 3.76 92.19 2.04 94.23 1.04 95.27 0.80 96.06 0.87 96.93 0.57 97.50 0.69 98.19 0.39 98.58 0.56 99.13 0.40 99.54 0.18 99.72 0.19 99.91 0.09 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 56,269.79 25,795.27 65,345.68 67,961.20 119,767.48 90,187.58 87,644.75 88,305.42 64,662.77 41,585.12 36,317.65 46,945.50 36,153.70 54,158.53 38,672.15 75,075.34 58,432.82 28,414.97 17,574.79 27,804.15 1,127,074.65

56,269.79 82,065.06 147,410.74 215,371.94 335,139.42 425,327.00 512,971.75 601,277.17 665,939.93 707,525.05 743,842.70 790,788.20 826,941.90 881,100.43 919,772.58 994,847.92 1,053,280.74 1,081,695.71 1,099,270.50 1,127,074.65

4.99 4.99 2.29 7.28 5.80 13.08 6.03 19.11 10.63 29.74 8.00 37.74 7.78 45.51 7.83 53.35 5.74 59.09 3.69 62.78 3.22 66.00 4.17 70.16 3.21 73.37 4.81 78.18 3.43 81.61 6.66 88.27 5.18 93.45 2.52 95.97 1.56 97.53 2.47 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

194 79 114 55 103 45 40 42 19 15 20 46 15 34 54 250 47 18 71 10 1,271

194 273 387 442 545 590 630 672 691 706 726 772 787 821 875 1,125 1,172 1,190 1,261 1,271

01/01/2010

15/06/2011

DATE

15/10/2011

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

15.26 15.26 26,888.13 26,888.13 6.22 21.48 1,534.58 28,422.71 8.97 30.45 4,801.27 33,223.98 4.33 34.78 1,332.70 34,556.68 8.10 42.88 5,651.14 40,207.82 3.54 46.42 4,211.30 44,419.12 3.15 49.57 2,401.80 46,820.92 3.30 52.87 3,666.48 50,487.40 1.49 54.37 1,784.51 52,271.91 1.18 55.55 5,520.92 57,792.84 1.57 57.12 4,271.02 62,063.85 3.62 60.74 3,531.21 65,595.06 1.18 61.92 4,473.40 70,068.46 2.68 64.59 128,481.80 198,550.26 4.25 68.84 137.44 198,687.69 19.67 88.51 4,519.59 203,207.28 3.70 92.21 5,785.55 208,992.83 1.42 93.63 243.80 209,236.64 5.59 99.21 1,326.33 210,562.96 0.79 100.00 1,017.73 211,580.69 211,580.69

12.71 12.71 47.78 0.73 13.43 5.95 2.27 15.70 7.35 0.63 16.33 1.96 2.67 19.00 4.72 1.99 20.99 4.67 1.14 22.13 2.74 1.73 23.86 4.15 0.84 24.71 2.76 2.61 27.31 13.28 2.02 29.33 11.76 1.67 31.00 7.52 2.11 33.12 12.37 60.72 93.84 237.23 0.06 93.91 0.36 2.14 96.04 6.02 2.73 98.78 9.90 0.12 98.89 0.86 0.63 99.52 7.55 0.48 100.00 3.66

47.78 34.63 22.54 16.05 12.00 10.44 9.13 8.40 7.85 8.17 8.34 8.29 8.47 22.53 21.60 20.43 19.84 19.34 19.15 18.77

18.77

Page 155 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: INDUSTRIAL ALL RISK (IAR)

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: All Code

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 22,942 8,290 14,065 10,433 17,822 14,528 15,809 13,601 8,750 5,486 4,644 5,778 4,096 5,801 3,818 6,512 5,996 2,985 3,595 1,131 176,082

22,942 31,232 45,297 55,730 73,552 88,080 103,889 117,490 126,240 131,726 136,370 142,148 146,244 152,045 155,863 162,375 168,371 171,356 174,951 176,082

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

13.03 13.03 28,177.63 4.71 17.74 2,172.92 7.99 25.72 4,241.92 5.93 31.65 (419,48) 10.12 41.77 12,603.48 8.25 50.02 13,451.91 8.98 59.00 18,915.25 7.72 66.72 22,527.24 4.97 71.69 20,519.56 3.12 74.81 16,295.77 2.64 77.45 15,511.81 3.28 80.73 23,301.22 2.33 83.05 19,545.67 3.29 86.35 33,353.03 2.17 88.52 29,672.61 3.70 92.22 63,703.34 3.41 95.62 79,798.38 1.70 97.32 39,468.63 2.04 99.36 51,589.43 0.64 100.00 231,534.49 725,964.80

28,177.63 30,350.55 34,592.47 34,172.99 46,776.47 60,228.38 79,143.63 101,670.87 122,190.43 138,486.20 153,998.00 177,299.22 196,844.89 230,197.93 259,870.54 323,573.88 403,372.26 442,840.89 494,430.31 725,964.80

3.88 3.88 0.30 4.18 0.58 4.77 (0,06) 4.71 1.74 6.44 1.85 8.30 2.61 10.90 3.10 14.00 2.83 16.83 2.24 19.08 2.14 21.21 3.21 24.42 2.69 27.11 4.59 31.71 4.09 35.80 8.77 44.57 10.99 55.56 5.44 61.00 7.11 68.11 31.89 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 694 21 45 52 74 98 79 66 55 51 43 39 51 101 62 117 185 78 171 44 2,126

694 715 760 812 886 984 1,063 1,129 1,184 1,235 1,278 1,317 1,368 1,469 1,531 1,648 1,833 1,911 2,082 2,126

32.64 32.64 0.99 33.63 2.12 35.75 2.45 38.19 3.48 41.67 4.61 46.28 3.72 50.00 3.10 53.10 2.59 55.69 2.40 58.09 2.02 60.11 1.83 61.95 2.40 64.35 4.75 69.10 2.92 72.01 5.50 77.52 8.70 86.22 3.67 89.89 8.04 97.93 2.07 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 633,825.66 633,825.66 83.02 633,908.68 508.82 634,417.49 880.70 635,298.20 1,841.88 637,140.07 1,916.01 639,056.08 2,776.76 641,832.85 1,318.60 643,151.44 1,374.96 644,526.41 1,931.46 646,457.86 4,788.30 651,246.16 987.65 652,233.81 1,003.26 653,237.07 21,843.87 675,080.94 3,026.14 678,107.08 7,498.70 685,605.78 133,916.93 819,522.71 3,189.15 822,711.86 324,956.54 1,147,668.40 4,842.93 1,152,511.33 1,152,511.33

55.00 55.00 0.01 55.00 0.04 55.05 0.08 55.12 0.16 55.28 0.17 55.45 0.24 55.69 0.11 55.80 0.12 55.92 0.17 56.09 0.42 56.51 0.09 56.59 0.09 56.68 1.90 58.57 0.26 58.84 0.65 59.49 11.62 71.11 0.28 71.38 28.20 99.58 0.42 100.00

01/01/2010

15/06/2011

15/10/2011

LOSS RATIO PERCENTAGE BAND CUM. 2,249,39 3.82 11.99 (209,95) 14.61 14.24 14.68 5.85 6.70 11.85 30.87 4.24 5.13 65.49 10.20 11.77 167.82 8.08 629.89 2.09

2,249,39 2,088,62 1,833,98 1,859,07 1,362,10 1,061,05 810.97 632.58 527.48 466.80 422.89 367.87 331.85 293.26 260.94 211.89 203.17 185.78 232.12 158.76

158.76

Page 156 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: LOSS OF PROFIT (LOP)

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: All Code

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 2 1 1 1 1 3 2 1 1 2 1 1 4 5 3 13 7 7 12 6 74

2 3 4 5 6 9 11 12 13 15 16 17 21 26 29 42 49 56 68 74

2.70 2.70 1.35 4.05 1.35 5.41 1.35 6.76 1.35 8.11 4.05 12.16 2.70 14.86 1.35 16.22 1.35 17.57 2.70 20.27 1.35 21.62 1.35 22.97 5.41 28.38 6.76 35.14 4.05 39.19 17.57 56.76 9.46 66.22 9.46 75.68 16.22 91.89 8.11 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 0.99 0.25 0.25 0.75 1.04 2.16 1.18 3.36 2.64 0.03 4.03 0.00 9.07 13.61 39.44 37.07 28.42 0.51 82.89 11.45 239.12

0.99 1.24 1.49 2.24 3.28 5.44 6.62 9.98 12.61 12.64 16.67 16.67 25.74 39.35 78.79 115.86 144.28 144.79 227.67 239.12

0.41 0.41 0.10 0.52 0.11 0.62 0.31 0.94 0.43 1.37 0.90 2.28 0.49 2.77 1.41 4.17 1.10 5.28 0.01 5.29 1.69 6.97 0.00 6.97 3.79 10.76 5.69 16.46 16.49 32.95 15.50 48.45 11.88 60.34 0.21 60.55 34.66 95.21 4.79 100.00

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

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

DATE

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

01/01/2010

15/06/2011

15/10/2011

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 157 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: EARTHQUAKE

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: All Code

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

16,584 6,697 13,207 7,945 11,748 8,869 9,936 7,627 5,094 3,200 2,746 3,667 2,892 3,969 2,929 4,890 4,802 2,329 2,873 1,010 123,014

16,584 23,281 36,488 44,433 56,181 65,050 74,986 82,613 87,707 90,907 93,653 97,320 100,212 104,181 107,110 112,000 116,802 119,131 122,004 123,014

13.48 13.48 5.44 18.93 10.74 29.66 6.46 36.12 9.55 45.67 7.21 52.88 8.08 60.96 6.20 67.16 4.14 71.30 2.60 73.90 2.23 76.13 2.98 79.11 2.35 81.46 3.23 84.69 2.38 87.07 3.98 91.05 3.90 94.95 1.89 96.84 2.34 99.18 0.82 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 23,715.86 1,573.50 3,556.70 3,656.86 7,596.80 7,751.32 11,892.60 11,909.35 11,105.83 8,621.06 8,322.48 13,470.93 12,657.31 22,254.76 20,240.97 53,865.66 70,967.88 40,282.82 77,398.66 35,991.24 446,832.60

23,715.86 25,289.36 28,846.06 32,502.92 40,099.72 47,851.03 59,743.64 71,652.98 82,758.81 91,379.88 99,702.36 113,173.29 125,830.60 148,085.36 168,326.33 222,191.99 293,159.87 333,442.69 410,841.35 446,832.60

5.31 5.31 0.35 5.66 0.80 6.46 0.82 7.27 1.70 8.97 1.73 10.71 2.66 13.37 2.67 16.04 2.49 18.52 1.93 20.45 1.86 22.31 3.01 25.33 2.83 28.16 4.98 33.14 4.53 37.67 12.05 49.73 15.88 65.61 9.02 74.62 17.32 91.95 8.05 100.00

DATE

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

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

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

0.00 0.00 0.00 7.39 26.07 0.00 0.00 33.43 0.00 0.00 0.00 0.00 110.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0 0 0 2 6 6 6 8 8 8 8 8 10 10 10 13 13 15 15 15

0.00 0.00 0.00 0.00 0.00 0.00 13.33 13.33 26.67 40.00 0.00 40.00 0.00 40.00 13.33 53.33 0.00 53.33 0.00 53.33 0.00 53.33 0.00 53.33 13.33 66.67 0.00 66.67 0.00 66.67 20.00 86.67 0.00 86.67 13.33 100.00 0.00 100.00 0.00 100.00

176.90

0.00 0.00 0.00 7.39 33.47 33.47 33.47 66.90 66.90 66.90 66.90 66.90 176.90 176.90 176.90 176.90 176.90 176.90 176.90 176.90

0.00 0.00 0.00 4.18 14.74 0.00 0.00 18.90 0.00 0.00 0.00 0.00 62.18 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 4.18 18.92 18.92 18.92 37.82 37.82 37.82 37.82 37.82 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2010

15/06/2011

15/10/2011

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.20 0.34 0.00 0.00 0.28 0.00 0.00 0.00 0.00 0.87 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.02 0.08 0.07 0.06 0.09 0.08 0.07 0.07 0.06 0.14 0.12 0.11 0.08 0.06 0.05 0.04 0.04

0.04

Page 158 of 204

RISK AND LOSS PROFILE 2010 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 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 20

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

CLAIM FREQUENCY PERCENTAGE F f BAND CUM.

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

158 37 71 65 128 87 52 140 68 85 64 93 66 105 72 148 181 141 211 128

1,419.25 5.53 28.19 59.99 67.10 78.86 54.71 304.14 120.19 259.86 161.15 322.07 285.58 550.93 513.78 1,441.19 3,153.66 1,753.20 2,550.97 2,128.67

4 0 2 0 0 2 0 0 0 0 0 0 0 0 5 2 6 5 14 4

9.11 0.00 8.05 0.00 0.00 3.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.51 510.34 56.01 159.55 544.25 708.27

2,100

158 195 266 331 459 546 598 738 806 891 955 1,048 1,114 1,219 1,291 1,439 1,620 1,761 1,972 2,100

7.52 7.52 1.76 9.29 3.38 12.67 3.10 15.76 6.10 21.86 4.14 26.00 2.48 28.48 6.67 35.14 3.24 38.38 4.05 42.43 3.05 45.48 4.43 49.90 3.14 53.05 5.00 58.05 3.43 61.48 7.05 68.52 8.62 77.14 6.71 83.86 10.05 93.90 6.10 100.00

15,259.01

1,419.25 1,424.78 1,452.97 1,512.97 1,580.06 1,658.92 1,713.64 2,017.78 2,137.97 2,397.83 2,558.97 2,881.04 3,166.61 3,717.54 4,231.33 5,672.51 8,826.17 10,579.37 13,130.34 15,259.01

9.30 9.30 0.04 9.34 0.18 9.52 0.39 9.92 0.44 10.35 0.52 10.87 0.36 11.23 1.99 13.22 0.79 14.01 1.70 15.71 1.06 16.77 2.11 18.88 1.87 20.75 3.61 24.36 3.37 27.73 9.44 37.17 20.67 57.84 11.49 69.33 16.72 86.05 13.95 100.00

4 4 6 6 6 8 8 8 8 8 8 8 8 8 13 15 21 26 40 44

9.09 9.09 0.00 9.09 4.55 13.64 0.00 13.64 0.00 13.64 4.55 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 11.36 29.55 4.55 34.09 13.64 47.73 11.36 59.09 31.82 90.91 9.09 100.00

2,014.14

9.11 9.11 17.16 17.16 17.16 20.21 20.21 20.21 20.21 20.21 20.21 20.21 20.21 20.21 35.71 546.05 602.06 761.61 1,305.87 2,014.14

0.45 0.45 0.00 0.45 0.40 0.85 0.00 0.85 0.00 0.85 0.15 1.00 0.00 1.00 0.00 1.00 0.00 1.00 0.00 1.00 0.00 1.00 0.00 1.00 0.00 1.00 0.00 1.00 0.77 1.77 25.34 27.11 2.78 29.89 7.92 37.81 27.02 64.84 35.16 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.64 0.00 28.56 0.00 0.00 3.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.02 35.41 1.78 9.10 21.34 33.27

0.64 0.64 1.18 1.13 1.09 1.22 1.18 1.00 0.95 0.84 0.79 0.70 0.64 0.54 0.84 9.63 6.82 7.20 9.95 13.20

13.20

Page 159 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 21

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

Stone, Earth, (Animal) Bones or Shells (Batuan, Tanah, Tulang/Rangka Hewan)

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 599 90 121 104 175 105 111 195 117 80 86 105 77 135 97 162 231 136 217 79 3,022

599 689 810 914 1,089 1,194 1,305 1,500 1,617 1,697 1,783 1,888 1,965 2,100 2,197 2,359 2,590 2,726 2,943 3,022

19.82 19.82 2.98 22.80 4.00 26.80 3.44 30.24 5.79 36.04 3.47 39.51 3.67 43.18 6.45 49.64 3.87 53.51 2.65 56.15 2.85 59.00 3.47 62.48 2.55 65.02 4.47 69.49 3.21 72.70 5.36 78.06 7.64 85.70 4.50 90.21 7.18 97.39 2.61 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 822.81 54.99 42.71 60.56 124.34 118.21 156.34 412.72 394.13 264.95 349.49 552.36 449.45 742.87 822.52 1,703.41 3,105.12 1,423.77 3,229.20 2,801.73 17,631.70

822.81 877.80 920.52 981.08 1,105.42 1,223.63 1,379.97 1,792.69 2,186.82 2,451.77 2,801.26 3,353.62 3,803.06 4,545.93 5,368.45 7,071.87 10,176.99 11,600.76 14,829.96 17,631.70

4.67 4.67 0.31 4.98 0.24 5.22 0.34 5.56 0.71 6.27 0.67 6.94 0.89 7.83 2.34 10.17 2.24 12.40 1.50 13.91 1.98 15.89 3.13 19.02 2.55 21.57 4.21 25.78 4.67 30.45 9.66 40.11 17.61 57.72 8.08 65.79 18.31 84.11 15.89 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 6 0 0 0 0 0 0 0 0 0 4 0 0 0 2 0 6 8 2 0 28

6 6 6 6 6 6 6 6 6 6 10 10 10 10 12 12 18 26 28 28

21.43 21.43 0.00 21.43 0.00 21.43 0.00 21.43 0.00 21.43 0.00 21.43 0.00 21.43 0.00 21.43 0.00 21.43 0.00 21.43 14.29 35.71 0.00 35.71 0.00 35.71 0.00 35.71 7.14 42.86 0.00 42.86 21.43 64.29 28.57 92.86 7.14 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 128.83 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 81.36 0.00 0.00 0.00 181.05 0.00 18.52 153.90 29.98 0.00 593.64

128.83 128.83 128.83 128.83 128.83 128.83 128.83 128.83 128.83 128.83 210.19 210.19 210.19 210.19 391.24 391.24 409.75 563.66 593.64 593.64

21.70 21.70 0.00 21.70 0.00 21.70 0.00 21.70 0.00 21.70 0.00 21.70 0.00 21.70 0.00 21.70 0.00 21.70 0.00 21.70 13.71 35.41 0.00 35.41 0.00 35.41 0.00 35.41 30.50 65.90 0.00 65.90 3.12 69.02 25.93 94.95 5.05 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 15.66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 23.28 0.00 0.00 0.00 22.01 0.00 0.60 10.81 0.93 0.00

15.66 14.68 14.00 13.13 11.65 10.53 9.34 7.19 5.89 5.25 7.50 6.27 5.53 4.62 7.29 5.53 4.03 4.86 4.00 3.37

3.37

Page 160 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 22

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

Metals (Logam)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,725 283 489 387 1,016 615 699 749 548 396 297 495 372 649 429 889 941 443 735 353 12,510

1,725 2,008 2,497 2,884 3,900 4,515 5,214 5,963 6,511 6,907 7,204 7,699 8,071 8,720 9,149 10,038 10,979 11,422 12,157 12,510

13.79 13.79 2.26 16.05 3.91 19.96 3.09 23.05 8.12 31.18 4.92 36.09 5.59 41.68 5.99 47.67 4.38 52.05 3.17 55.21 2.37 57.59 3.96 61.54 2.97 64.52 5.19 69.70 3.43 73.13 7.11 80.24 7.52 87.76 3.54 91.30 5.88 97.18 2.82 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,024.23 189.47 362.96 266.66 610.29 607.77 973.83 1,361.00 1,413.78 1,227.26 927.31 2,341.57 2,088.28 4,378.40 4,006.71 9,798.19 12,177.17 7,848.98 11,010.47 2,389.68 68,004.01

4,024.23 4,213.70 4,576.66 4,843.33 5,453.62 6,061.39 7,035.21 8,396.21 9,810.00 11,037.25 11,964.57 14,306.14 16,394.42 20,772.81 24,779.53 34,577.72 46,754.88 54,603.87 65,614.34 68,004.01

5.92 5.92 0.28 6.20 0.53 6.73 0.39 7.12 0.90 8.02 0.89 8.91 1.43 10.35 2.00 12.35 2.08 14.43 1.80 16.23 1.36 17.59 3.44 21.04 3.07 24.11 6.44 30.55 5.89 36.44 14.41 50.85 17.91 68.75 11.54 80.30 16.19 96.49 3.51 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

40 0 0 0 2 0 0 4 0 0 2 4 2 10 4 7 4 8 23 16 126

40 40 40 40 42 42 42 46 46 46 48 52 54 64 68 75 79 87 110 126

31.75 31.75 0.00 31.75 0.00 31.75 0.00 31.75 1.59 33.33 0.00 33.33 0.00 33.33 3.17 36.51 0.00 36.51 0.00 36.51 1.59 38.10 3.17 41.27 1.59 42.86 7.94 50.79 3.17 53.97 5.56 59.52 3.17 62.70 6.35 69.05 18.25 87.30 12.70 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2,231.17 0.00 0.00 0.00 81.92 0.00 0.00 9.14 0.00 0.00 2,278.72 62.65 4.52 11,310.76 16.81 185.12 242.33 107.30 6,636.83 689.12 23,856.39

2,231.17 2,231.17 2,231.17 2,231.17 2,313.10 2,313.10 2,313.10 2,322.23 2,322.23 2,322.23 4,600.96 4,663.61 4,668.13 15,978.89 15,995.70 16,180.82 16,423.15 16,530.45 23,167.28 23,856.39

9.35 9.35 0.00 9.35 0.00 9.35 0.00 9.35 0.34 9.70 0.00 9.70 0.00 9.70 0.04 9.73 0.00 9.73 0.00 9.73 9.55 19.29 0.26 19.55 0.02 19.57 47.41 66.98 0.07 67.05 0.78 67.83 1.02 68.84 0.45 69.29 27.82 97.11 2.89 100.00

LOSS RATIO PERCENTAGE BAND CUM. 55.44 0.00 0.00 0.00 13.42 0.00 0.00 0.67 0.00 0.00 245.73 2.68 0.22 258.33 0.42 1.89 1.99 1.37 60.28 28.84

55.44 52.95 48.75 46.07 42.41 38.16 32.88 27.66 23.67 21.04 38.45 32.60 28.47 76.92 64.55 46.80 35.13 30.27 35.31 35.08

35.08

Page 161 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 23

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

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

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,054 164 366 402 709 697 801 910 773 534 490 706 597 963 670 1,231 1,304 719 780 356 14,226

1,054 1,218 1,584 1,986 2,695 3,392 4,193 5,103 5,876 6,410 6,900 7,606 8,203 9,166 9,836 11,067 12,371 13,090 13,870 14,226

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

7.41 7.41 7,609.31 7,609.31 1.15 8.56 139.19 7,748.50 2.57 11.13 450.88 8,199.37 2.83 13.96 798.86 8,998.23 4.98 18.94 1,069.63 10,067.86 4.90 23.84 1,400.03 11,467.89 5.63 29.47 2,032.69 13,500.57 6.40 35.87 2,485.26 15,985.84 5.43 41.30 2,580.43 18,566.26 3.75 45.06 2,210.99 20,777.25 3.44 48.50 2,583.97 23,361.22 4.96 53.47 4,067.94 27,429.16 4.20 57.66 4,026.79 31,455.95 6.77 64.43 8,637.87 40,093.81 4.71 69.14 6,523.20 46,617.02 8.65 77.79 16,575.43 63,192.45 9.17 86.96 24,946.40 88,138.85 5.05 92.01 9,175.24 97,314.08 5.48 97.50 12,077.95 109,392.03 2.50 100.00 119,188.12 228,580.15 228,580.15

3.33 3.33 0.06 3.39 0.20 3.59 0.35 3.94 0.47 4.40 0.61 5.02 0.89 5.91 1.09 6.99 1.13 8.12 0.97 9.09 1.13 10.22 1.78 12.00 1.76 13.76 3.78 17.54 2.85 20.39 7.25 27.65 10.91 38.56 4.01 42.57 5.28 47.86 52.14 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 42 0 0 2 2 0 0 0 0 4 2 5 7 4 10 12 22 0 12 0 124

42 42 42 44 46 46 46 46 46 50 52 57 64 68 78 90 112 112 124 124

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

33.87 33.87 11,330.52 11,330.52 0.00 33.87 0.00 11,330.52 0.00 33.87 0.00 11,330.52 1.61 35.48 23.50 11,354.02 1.61 37.10 11.70 11,365.72 0.00 37.10 0.00 11,365.72 0.00 37.10 0.00 11,365.72 0.00 37.10 0.00 11,365.72 0.00 37.10 0.00 11,365.72 3.23 40.32 237.16 11,602.88 1.61 41.94 181.14 11,784.02 4.03 45.97 395.56 12,179.58 5.65 51.61 143.34 12,322.92 3.23 54.84 164.14 12,487.06 8.06 62.90 66.58 12,553.64 9.68 72.58 216.74 12,770.38 17.74 90.32 3,221.67 15,992.05 0.00 90.32 0.00 15,992.05 9.68 100.00 713.60 16,705.65 0.00 100.00 0.00 16,705.65 16,705.65

67.82 67.82 0.00 67.82 0.00 67.82 0.14 67.97 0.07 68.04 0.00 68.04 0.00 68.04 0.00 68.04 0.00 68.04 1.42 69.45 1.08 70.54 2.37 72.91 0.86 73.76 0.98 74.75 0.40 75.15 1.30 76.44 19.28 95.73 0.00 95.73 4.27 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 148.90 0.00 0.00 2.94 1.09 0.00 0.00 0.00 0.00 10.73 7.01 9.72 3.56 1.90 1.02 1.31 12.91 0.00 5.91 0.00

148.90 146.23 138.19 126.18 112.89 99.11 84.19 71.10 61.22 55.84 50.44 44.40 39.18 31.14 26.93 20.21 18.14 16.43 15.27 7.31

7.31

Page 162 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 24

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

Textiles (Tekstil)

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,450 754 1,561 1,295 1,971 1,301 1,107 1,119 728 432 456 518 396 647 461 868 950 529 845 264 17,652

1,450 2,204 3,765 5,060 7,031 8,332 9,439 10,558 11,286 11,718 12,174 12,692 13,088 13,735 14,196 15,064 16,014 16,543 17,388 17,652

8.21 8.21 4.27 12.49 8.84 21.33 7.34 28.67 11.17 39.83 7.37 47.20 6.27 53.47 6.34 59.81 4.12 63.94 2.45 66.38 2.58 68.97 2.93 71.90 2.24 74.14 3.67 77.81 2.61 80.42 4.92 85.34 5.38 90.72 3.00 93.72 4.79 98.50 1.50 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,686.37 533.85 1,062.91 1,232.70 2,722.47 2,449.89 2,807.68 3,241.15 2,815.71 1,904.48 2,154.63 3,252.05 2,352.98 4,879.38 3,689.38 10,230.55 11,877.94 7,260.02 13,746.62 14,604.52 97,505.29

4,686.37 5,220.22 6,283.13 7,515.83 10,238.29 12,688.18 15,495.87 18,737.02 21,552.73 23,457.21 25,611.84 28,863.90 31,216.88 36,096.26 39,785.64 50,016.19 61,894.13 69,154.15 82,900.77 97,505.29

4.81 4.81 0.55 5.35 1.09 6.44 1.26 7.71 2.79 10.50 2.51 13.01 2.88 15.89 3.32 19.22 2.89 22.10 1.95 24.06 2.21 26.27 3.34 29.60 2.41 32.02 5.00 37.02 3.78 40.80 10.49 51.30 12.18 63.48 7.45 70.92 14.10 85.02 14.98 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 31 4 0 0 2 13 0 3 5 0 4 6 2 6 8 8 26 8 30 0 156

31 35 35 35 37 50 50 53 58 58 62 68 70 76 84 92 118 126 156 156

19.87 19.87 2.56 22.44 0.00 22.44 0.00 22.44 1.28 23.72 8.33 32.05 0.00 32.05 1.92 33.97 3.21 37.18 0.00 37.18 2.56 39.74 3.85 43.59 1.28 44.87 3.85 48.72 5.13 53.85 5.13 58.97 16.67 75.64 5.13 80.77 19.23 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 3,549.64 7.10 0.00 0.00 29.39 426.78 0.00 1,003.97 48.88 0.00 40.59 47.60 57.51 15.23 643.24 27.13 1,851.94 54.65 1,151.07 0.00 8,954.71

3,549.64 3,556.74 3,556.74 3,556.74 3,586.13 4,012.90 4,012.90 5,016.88 5,065.76 5,065.76 5,106.34 5,153.95 5,211.46 5,226.68 5,869.92 5,897.05 7,748.99 7,803.64 8,954.71 8,954.71

39.64 39.64 0.08 39.72 0.00 39.72 0.00 39.72 0.33 40.05 4.77 44.81 0.00 44.81 11.21 56.03 0.55 56.57 0.00 56.57 0.45 57.02 0.53 57.56 0.64 58.20 0.17 58.37 7.18 65.55 0.30 65.85 20.68 86.54 0.61 87.15 12.85 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 75.74 1.33 0.00 0.00 1.08 17.42 0.00 30.98 1.74 0.00 1.88 1.46 2.44 0.31 17.43 0.27 15.59 0.75 8.37 0.00

75.74 68.13 56.61 47.32 35.03 31.63 25.90 26.78 23.50 21.60 19.94 17.86 16.69 14.48 14.75 11.79 12.52 11.28 10.80 9.18

9.18

Page 163 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 25

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

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

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,065 467 814 728 1,165 845 708 887 637 428 387 467 368 555 413 768 744 376 509 236 12,567

1,065 1,532 2,346 3,074 4,239 5,084 5,792 6,679 7,316 7,744 8,131 8,598 8,966 9,521 9,934 10,702 11,446 11,822 12,331 12,567

8.47 8.47 3.72 12.19 6.48 18.67 5.79 24.46 9.27 33.73 6.72 40.46 5.63 46.09 7.06 53.15 5.07 58.22 3.41 61.62 3.08 64.70 3.72 68.42 2.93 71.35 4.42 75.76 3.29 79.05 6.11 85.16 5.92 91.08 2.99 94.07 4.05 98.12 1.88 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,069.41 179.16 579.61 737.45 1,733.43 1,784.12 1,833.66 2,992.80 2,763.79 2,606.28 2,283.38 3,566.63 3,286.90 5,699.16 4,710.17 12,232.90 13,162.60 7,259.73 12,205.08 6,068.77 91,755.03

6,069.41 6,248.57 6,828.19 7,565.63 9,299.07 11,083.18 12,916.84 15,909.64 18,673.43 21,279.71 23,563.09 27,129.72 30,416.62 36,115.78 40,825.95 53,058.85 66,221.45 73,481.18 85,686.26 91,755.03

6.61 6.61 0.20 6.81 0.63 7.44 0.80 8.25 1.89 10.13 1.94 12.08 2.00 14.08 3.26 17.34 3.01 20.35 2.84 23.19 2.49 25.68 3.89 29.57 3.58 33.15 6.21 39.36 5.13 44.49 13.33 57.83 14.35 72.17 7.91 80.08 13.30 93.39 6.61 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

29 0 2 0 4 2 11 0 0 2 2 6 4 4 2 7 18 13 8 2 116

29 29 31 31 35 37 48 48 48 50 52 58 62 66 68 75 93 106 114 116

25.00 25.00 0.00 25.00 1.72 26.72 0.00 26.72 3.45 30.17 1.72 31.90 9.48 41.38 0.00 41.38 0.00 41.38 1.72 43.10 1.72 44.83 5.17 50.00 3.45 53.45 3.45 56.90 1.72 58.62 6.03 64.66 15.52 80.17 11.21 91.38 6.90 98.28 1.72 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 5,147.21 0.00 86.19 0.00 24.27 45.62 1,238.86 0.00 0.00 1,676.11 5.43 135.11 273.36 17.47 2.86 579.42 21,048.48 413.67 52.59 0.00 30,746.64

5,147.21 5,147.21 5,233.40 5,233.40 5,257.67 5,303.29 6,542.15 6,542.15 6,542.15 8,218.26 8,223.68 8,358.79 8,632.15 8,649.62 8,652.48 9,231.90 30,280.38 30,694.05 30,746.64 30,746.64

16.74 16.74 0.00 16.74 0.28 17.02 0.00 17.02 0.08 17.10 0.15 17.25 4.03 21.28 0.00 21.28 0.00 21.28 5.45 26.73 0.02 26.75 0.44 27.19 0.89 28.08 0.06 28.13 0.01 28.14 1.88 30.03 68.46 98.48 1.35 99.83 0.17 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 84.81 0.00 14.87 0.00 1.40 2.56 67.56 0.00 0.00 64.31 0.24 3.79 8.32 0.31 0.06 4.74 159.91 5.70 0.43 0.00

84.81 82.37 76.64 69.17 56.54 47.85 50.65 41.12 35.03 38.62 34.90 30.81 28.38 23.95 21.19 17.40 45.73 41.77 35.88 33.51

33.51

Page 164 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 26

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

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

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

998 622 761 508 709 529 484 529 380 337 240 384 254 414 310 561 653 262 374 30 9,339

998 1,620 2,381 2,889 3,598 4,127 4,611 5,140 5,520 5,857 6,097 6,481 6,735 7,149 7,459 8,020 8,673 8,935 9,309 9,339

10.69 10.69 6.66 17.35 8.15 25.50 5.44 30.93 7.59 38.53 5.66 44.19 5.18 49.37 5.66 55.04 4.07 59.11 3.61 62.72 2.57 65.29 4.11 69.40 2.72 72.12 4.43 76.55 3.32 79.87 6.01 85.88 6.99 92.87 2.81 95.67 4.00 99.68 0.32 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,171.21 480.78 1,034.35 915.95 1,861.30 1,847.64 2,138.30 2,743.88 2,571.97 2,689.18 2,275.78 4,004.34 3,078.96 6,258.85 6,379.10 12,302.60 17,554.82 8,382.49 9,063.81 888.41 90,643.71

4,171.21 4,651.98 5,686.33 6,602.28 8,463.58 10,311.22 12,449.52 15,193.40 17,765.37 20,454.55 22,730.33 26,734.67 29,813.63 36,072.48 42,451.58 54,754.18 72,309.00 80,691.49 89,755.30 90,643.71

4.60 4.60 0.53 5.13 1.14 6.27 1.01 7.28 2.05 9.34 2.04 11.38 2.36 13.73 3.03 16.76 2.84 19.60 2.97 22.57 2.51 25.08 4.42 29.49 3.40 32.89 6.90 39.80 7.04 46.83 13.57 60.41 19.37 79.77 9.25 89.02 10.00 99.02 0.98 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

7 0 6 0 6 7 12 2 2 2 0 5 6 7 0 11 21 6 8 2 110

7 7 13 13 19 26 38 40 42 44 44 49 55 62 62 73 94 100 108 110

6.36 6.36 0.00 6.36 5.45 11.82 0.00 11.82 5.45 17.27 6.36 23.64 10.91 34.55 1.82 36.36 1.82 38.18 1.82 40.00 0.00 40.00 4.55 44.55 5.45 50.00 6.36 56.36 0.00 56.36 10.00 66.36 19.09 85.45 5.45 90.91 7.27 98.18 1.82 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 48.65 0.00 776.92 0.00 82.39 1,346.81 715.15 585.39 55.85 53.64 0.00 374.64 100.77 4,010.88 0.00 438.95 4,036.16 181.31 203.64 10.14 13,021.30

48.65 48.65 825.57 825.57 907.96 2,254.77 2,969.92 3,555.30 3,611.15 3,664.80 3,664.80 4,039.44 4,140.22 8,151.09 8,151.09 8,590.04 12,626.20 12,807.51 13,011.16 13,021.30

0.37 0.37 0.00 0.37 5.97 6.34 0.00 6.34 0.63 6.97 10.34 17.32 5.49 22.81 4.50 27.30 0.43 27.73 0.41 28.14 0.00 28.14 2.88 31.02 0.77 31.80 30.80 62.60 0.00 62.60 3.37 65.97 31.00 96.97 1.39 98.36 1.56 99.92 0.08 100.00

LOSS RATIO PERCENTAGE BAND CUM. 1.17 0.00 75.11 0.00 4.43 72.89 33.44 21.33 2.17 1.99 0.00 9.36 3.27 64.08 0.00 3.57 22.99 2.16 2.25 1.14

1.17 1.05 14.52 12.50 10.73 21.87 23.86 23.40 20.33 17.92 16.12 15.11 13.89 22.60 19.20 15.69 17.46 15.87 14.50 14.37

14.37

Page 165 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 27

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

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

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

7,012 2,665 2,929 1,938 2,333 1,545 1,222 1,426 1,225 685 596 946 782 1,359 923 1,821 1,826 1,084 1,240 503 34,060

7,012 9,677 12,606 14,544 16,877 18,422 19,644 21,070 22,295 22,980 23,576 24,522 25,304 26,663 27,586 29,407 31,233 32,317 33,557 34,060

20.59 20.59 7.82 28.41 8.60 37.01 5.69 42.70 6.85 49.55 4.54 54.09 3.59 57.67 4.19 61.86 3.60 65.46 2.01 67.47 1.75 69.22 2.78 72.00 2.30 74.29 3.99 78.28 2.71 80.99 5.35 86.34 5.36 91.70 3.18 94.88 3.64 98.52 1.48 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 6,545.56 6,545.56 1,128.47 7,674.03 1,143.96 8,817.99 1,072.40 9,890.39 2,258.33 12,148.72 1,756.44 13,905.17 2,065.97 15,971.13 3,174.13 19,145.27 2,789.44 21,934.71 2,231.74 24,166.45 2,244.54 26,410.98 3,787.02 30,198.00 3,703.36 33,901.36 7,815.62 41,716.98 7,856.50 49,573.48 19,167.35 68,740.83 22,414.01 91,154.84 13,525.86 104,680.71 15,953.91 120,634.62 13,925.52 134,560.14 134,560.14

4.86 4.86 0.84 5.70 0.85 6.55 0.80 7.35 1.68 9.03 1.31 10.33 1.54 11.87 2.36 14.23 2.07 16.30 1.66 17.96 1.67 19.63 2.81 22.44 2.75 25.19 5.81 31.00 5.84 36.84 14.24 51.09 16.66 67.74 10.05 77.79 11.86 89.65 10.35 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

16 2 6 4 2 2 2 15 0 2 0 15 0 11 4 219 14 18 10 16 358

16 18 24 28 30 32 34 49 49 51 51 66 66 77 81 300 314 332 342 358

4.47 4.47 0.56 5.03 1.68 6.70 1.12 7.82 0.56 8.38 0.56 8.94 0.56 9.50 4.19 13.69 0.00 13.69 0.56 14.25 0.00 14.25 4.19 18.44 0.00 18.44 3.07 21.51 1.12 22.63 61.17 83.80 3.91 87.71 5.03 92.74 2.79 95.53 4.47 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 782.17 3.10 321.54 9.80 5.46 17.46 2.00 58.81 0.00 5.00 0.00 2,886.76 0.00 706.43 100.12 569.06 2,176.06 1,162.05 568.00 4,448.53 13,822.36

782.17 785.26 1,106.81 1,116.61 1,122.07 1,139.53 1,141.53 1,200.34 1,200.34 1,205.34 1,205.34 4,092.11 4,092.11 4,798.54 4,898.66 5,467.72 7,643.79 8,805.83 9,373.83 13,822.36

5.66 5.66 0.02 5.68 2.33 8.01 0.07 8.08 0.04 8.12 0.13 8.24 0.01 8.26 0.43 8.68 0.00 8.68 0.04 8.72 0.00 8.72 20.88 29.60 0.00 29.60 5.11 34.72 0.72 35.44 4.12 39.56 15.74 55.30 8.41 63.71 4.11 67.82 32.18 100.00

LOSS RATIO PERCENTAGE BAND CUM. 11.95 0.27 28.11 0.91 0.24 0.99 0.10 1.85 0.00 0.22 0.00 76.23 0.00 9.04 1.27 2.97 9.71 8.59 3.56 31.95

11.95 10.23 12.55 11.29 9.24 8.20 7.15 6.27 5.47 4.99 4.56 13.55 12.07 11.50 9.88 7.95 8.39 8.41 7.77 10.27

10.27

Page 166 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 28

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

Power and Heating (Pembangkit Tenaga dan Pemanas)

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

52 6 10 16 13 26 31 46 29 17 18 28 22 37 40 88 120 64 200 172

532.42 0.63 4.72 11.02 8.93 18.13 66.22 52.89 58.64 32.68 28.73 102.28 71.34 178.53 504.19 1,123.04 1,969.41 1,119.82 3,401.02 3,617.39

1,035

52 58 68 84 97 123 154 200 229 246 264 292 314 351 391 479 599 663 863 1,035

5.02 5.02 0.58 5.60 0.97 6.57 1.55 8.12 1.26 9.37 2.51 11.88 3.00 14.88 4.44 19.32 2.80 22.13 1.64 23.77 1.74 25.51 2.71 28.21 2.13 30.34 3.57 33.91 3.86 37.78 8.50 46.28 11.59 57.87 6.18 64.06 19.32 83.38 16.62 100.00

12,902.03

532.42 533.05 537.78 548.80 557.72 575.85 642.07 694.96 753.60 786.28 815.01 917.29 988.63 1,167.16 1,671.35 2,794.39 4,763.80 5,883.62 9,284.64 12,902.03

4.13 4.13 0.00 4.13 0.04 4.17 0.09 4.25 0.07 4.32 0.14 4.46 0.51 4.98 0.41 5.39 0.45 5.84 0.25 6.09 0.22 6.32 0.79 7.11 0.55 7.66 1.38 9.05 3.91 12.95 8.70 21.66 15.26 36.92 8.68 45.60 26.36 71.96 28.04 100.00

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

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 167 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 29

DATA POSITION FROM PROCESSING

01/01/2010

15/06/2011

DATE

15/10/2011

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

147,934 141,692 210,743 137,004 159,912 87,231 67,226 50,170 28,184 15,288 12,111 13,702 9,288 11,098 6,840 9,832 7,318 2,943 2,996 822 1,122,334

147,934 289,626 500,369 637,373 797,285 884,516 951,742 1,001,912 1,030,096 1,045,384 1,057,495 1,071,197 1,080,485 1,091,583 1,098,423 1,108,255 1,115,573 1,118,516 1,121,512 1,122,334

13.18 13.18 12.62 25.81 18.78 44.58 12.21 56.79 14.25 71.04 7.77 78.81 5.99 84.80 4.47 89.27 2.51 91.78 1.36 93.14 1.08 94.22 1.22 95.44 0.83 96.27 0.99 97.26 0.61 97.87 0.88 98.75 0.65 99.40 0.26 99.66 0.27 99.93 0.07 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 69,193.42 26,621.65 68,264.53 65,998.88 129,197.45 100,928.56 106,190.78 105,504.35 80,252.20 52,394.67 46,630.70 60,713.50 48,457.39 68,153.57 51,990.11 102,681.81 87,561.69 42,560.31 56,606.50 129,408.66 1,499,310.73

69,193.42 95,815.07 164,079.60 230,078.48 359,275.93 460,204.49 566,395.27 671,899.61 752,151.82 804,546.49 851,177.19 911,890.68 960,348.07 1,028,501.64 1,080,491.75 1,183,173.57 1,270,735.26 1,313,295.57 1,369,902.07 1,499,310.73

4.62 4.62 1.78 6.39 4.55 10.94 4.40 15.35 8.62 23.96 6.73 30.69 7.08 37.78 7.04 44.81 5.35 50.17 3.49 53.66 3.11 56.77 4.05 60.82 3.23 64.05 4.55 68.60 3.47 72.07 6.85 78.91 5.84 84.75 2.84 87.59 3.78 91.37 8.63 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

711 94 143 103 163 117 94 86 67 56 47 42 45 93 81 104 95 30 126 14 2,311

711 805 948 1,051 1,214 1,331 1,425 1,511 1,578 1,634 1,681 1,723 1,768 1,861 1,942 2,046 2,141 2,171 2,297 2,311

30.77 30.77 4.07 34.83 6.19 41.02 4.46 45.48 7.05 52.53 5.06 57.59 4.07 61.66 3.72 65.38 2.90 68.28 2.42 70.71 2.03 72.74 1.82 74.56 1.95 76.50 4.02 80.53 3.50 84.03 4.50 88.53 4.11 92.64 1.30 93.94 5.45 99.39 0.61 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 637,432.23 637,432.23 1,607.40 639,039.63 4,117.39 643,157.02 2,187.49 645,344.51 7,283.96 652,628.48 4,287.60 656,916.07 3,222.56 660,138.63 3,361.20 663,499.83 3,054.75 666,554.58 5,480.46 672,035.04 6,304.72 678,339.75 613.61 678,953.36 4,987.79 683,941.16 134,100.77 818,041.93 2,137.42 820,179.34 9,491.51 829,670.86 106,943.16 936,614.02 268.03 936,882.05 316,155.89 1,253,037.94 4.60 1,253,042.55 1,253,042.55

50.87 50.87 0.13 51.00 0.33 51.33 0.17 51.50 0.58 52.08 0.34 52.43 0.26 52.68 0.27 52.95 0.24 53.19 0.44 53.63 0.50 54.14 0.05 54.18 0.40 54.58 10.70 65.28 0.17 65.46 0.76 66.21 8.53 74.75 0.02 74.77 25.23 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 921.23 6.04 6.03 3.31 5.64 4.25 3.03 3.19 3.81 10.46 13.52 1.01 10.29 196.76 4.11 9.24 122.13 0.63 558.52 0.00

921.23 666.95 391.98 280.49 181.65 142.74 116.55 98.75 88.62 83.53 79.69 74.46 71.22 79.54 75.91 70.12 73.71 71.34 91.47 83.57

83.57

Page 168 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 30

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

Estate Plantation Risk

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 11 8 19 25 43 49 17 32 40 29 16 36 12 42 33 71 40 7 4 2 536

11 19 38 63 106 155 172 204 244 273 289 325 337 379 412 483 523 530 534 536

2.05 2.05 1.49 3.54 3.54 7.09 4.66 11.75 8.02 19.78 9.14 28.92 3.17 32.09 5.97 38.06 7.46 45.52 5.41 50.93 2.99 53.92 6.72 60.63 2.24 62.87 7.84 70.71 6.16 76.87 13.25 90.11 7.46 97.57 1.31 98.88 0.75 99.63 0.37 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 20.17 2.49 17.06 25.49 182.58 258.02 59.58 215.54 331.47 374.22 224.29 497.33 137.25 767.55 748.82 2,846.33 2,374.14 254.59 314.57 53.57 9,705.08

20.17 22.67 39.73 65.22 247.81 505.82 565.40 780.94 1,112.41 1,486.63 1,710.92 2,208.26 2,345.51 3,113.06 3,861.88 6,708.21 9,082.35 9,336.94 9,651.51 9,705.08

0.21 0.21 0.03 0.23 0.18 0.41 0.26 0.67 1.88 2.55 2.66 5.21 0.61 5.83 2.22 8.05 3.42 11.46 3.86 15.32 2.31 17.63 5.12 22.75 1.41 24.17 7.91 32.08 7.72 39.79 29.33 69.12 24.46 93.58 2.62 96.21 3.24 99.45 0.55 100.00

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

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 169 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 31

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

Estate Plantation Risk

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

49 14 28 32 37 44 28 66 79 42 46 81 51 100 36 82 182 193 117 34

451.99 2.13 6.16 -1,85 19.54 92.01 24.18 111.41 111.57 158.47 250.97 379.83 364.54 677.86 435.82 599.91 5,694.83 5,431.37 3,934.42 242.04

1,341

49 63 91 123 160 204 232 298 377 419 465 546 597 697 733 815 997 1,190 1,307 1,341

3.65 3.65 1.04 4.70 2.09 6.79 2.39 9.17 2.76 11.93 3.28 15.21 2.09 17.30 4.92 22.22 5.89 28.11 3.13 31.25 3.43 34.68 6.04 40.72 3.80 44.52 7.46 51.98 2.68 54.66 6.11 60.78 13.57 74.35 14.39 88.74 8.72 97.46 2.54 100.00

18,987.19

451.99 454.12 460.28 458.43 477.96 569.97 594.15 705.55 817.13 975.60 1,226.57 1,606.40 1,970.94 2,648.80 3,084.62 3,684.52 9,379.35 14,810.73 18,745.15 18,987.19

2.38 2.38 0.01 2.39 0.03 2.42 -0,01 2.41 0.10 2.52 0.48 3.00 0.13 3.13 0.59 3.72 0.59 4.30 0.83 5.14 1.32 6.46 2.00 8.46 1.92 10.38 3.57 13.95 2.30 16.25 3.16 19.41 29.99 49.40 28.61 78.00 20.72 98.73 1.27 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 0 0 0 0 0 0 0 0 2 2 0 0 0 0 2 2 0 0 8

0 0 0 0 0 0 0 0 0 0 2 4 4 4 4 4 6 8 8 8

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

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 167.35 2.92 0.00 0.00 0.00 0.00 7.50 932.50 0.00 0.00 1,110.27

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 167.35 170.27 170.27 170.27 170.27 170.27 177.77 1,110.27 1,110.27 1,110.27

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15.07 15.07 0.26 15.34 0.00 15.34 0.00 15.34 0.00 15.34 0.00 15.34 0.68 16.01 83.99 100.00 0.00 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 66.68 0.77 0.00 0.00 0.00 0.00 0.13 17.17 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13.64 10.60 8.64 6.43 5.52 4.62 1.90 7.50 5.92 5.85

5.85

Page 170 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 32

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

Recreation Place

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1 23 12 7 7 4 6 21 6 16 4 11 2 45 7 38 12 11 17 9 259

1 24 36 43 50 54 60 81 87 103 107 118 120 165 172 210 222 233 250 259

0.39 0.39 8.88 9.27 4.63 13.90 2.70 16.60 2.70 19.31 1.54 20.85 2.32 23.17 8.11 31.27 2.32 33.59 6.18 39.77 1.54 41.31 4.25 45.56 0.77 46.33 17.37 63.71 2.70 66.41 14.67 81.08 4.63 85.71 4.25 89.96 6.56 96.53 3.47 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 0.43 76.93 19.62 2.93 5.68 4.49 4.23 83.20 1.64 95.01 1.82 6.26 1.50 650.46 46.00 862.34 354.84 1,044.29 375.76 24.25 3,661.68

0.43 77.36 96.98 99.91 105.59 110.08 114.30 197.51 199.14 294.16 295.98 302.24 303.74 954.20 1,000.19 1,862.54 2,217.38 3,261.67 3,637.43 3,661.68

0.01 0.01 2.10 2.11 0.54 2.65 0.08 2.73 0.16 2.88 0.12 3.01 0.12 3.12 2.27 5.39 0.04 5.44 2.59 8.03 0.05 8.08 0.17 8.25 0.04 8.30 17.76 26.06 1.26 27.32 23.55 50.87 9.69 60.56 28.52 89.08 10.26 99.34 0.66 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 18 0 9 0 27

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 18 18 27 27

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

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 100.65 0.00 227.00 0.00 327.65

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 100.65 100.65 327.65 327.65

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 30.72 30.72 0.00 30.72 69.28 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 28.36 0.00 60.41 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.54 3.09 9.01 8.95

8.95

Page 171 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 40

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

Non Estate Plantation Risk

BAND

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

SUM INSURED (In Million) From To 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 above TOTAL

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 461 241 263 23 31 14 20 25 30 13 9 17 14 39 21 48 78 76 48 0 1,471

461 702 965 988 1,019 1,033 1,053 1,078 1,108 1,121 1,130 1,147 1,161 1,200 1,221 1,269 1,347 1,423 1,471 1,471

31.34 31.34 16.38 47.72 17.88 65.60 1.56 67.17 2.11 69.27 0.95 70.22 1.36 71.58 1.70 73.28 2.04 75.32 0.88 76.21 0.61 76.82 1.16 77.97 0.95 78.93 2.65 81.58 1.43 83.00 3.26 86.27 5.30 91.57 5.17 96.74 3.26 100.00 0.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,617.69 126.41 126.88 17.55 107.69 49.86 45.63 59.51 89.20 52.19 35.20 128.50 61.41 388.91 398.87 1,116.36 2,880.87 1,127.23 2,175.48 0.00 11,605.41

2,617.69 2,744.10 2,870.98 2,888.53 2,996.22 3,046.07 3,091.70 3,151.21 3,240.41 3,292.59 3,327.79 3,456.29 3,517.70 3,906.61 4,305.48 5,421.83 8,302.70 9,429.93 11,605.41 11,605.41

22.56 22.56 1.09 23.64 1.09 24.74 0.15 24.89 0.93 25.82 0.43 26.25 0.39 26.64 0.51 27.15 0.77 27.92 0.45 28.37 0.30 28.67 1.11 29.78 0.53 30.31 3.35 33.66 3.44 37.10 9.62 46.72 24.82 71.54 9.71 81.25 18.75 100.00 0.00 100.00

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

2 2 2 2 2 2 2 2 2 2 2 2 4 4 4 4 4 4 4 4

50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

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

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 54.26 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 73.62

54.26 54.26 54.26 54.26 54.26 54.26 54.26 54.26 54.26 54.26 54.26 54.26 73.62 73.62 73.62 73.62 73.62 73.62 73.62 73.62

73.70 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 26.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00

73.70 73.70 73.70 73.70 73.70 73.70 73.70 73.70 73.70 73.70 73.70 73.70 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 2.07 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 31.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00

2.07 1.98 1.89 1.88 1.81 1.78 1.75 1.72 1.67 1.65 1.63 1.57 2.09 1.88 1.71 1.36 0.89 0.78 0.63 0.63

0.63

Page 172 of 204

RISK AND LOSS PROFILE 2010 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 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 01 - NANGGROE ACEH DARUSSALAM

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 1,682 2,271 3,396 2,039 1,925 682 490 317 155 74 65 66 38 57 20 30 59 18 6 8 13,398

1,682 3,953 7,349 9,388 11,313 11,995 12,485 12,802 12,957 13,031 13,096 13,162 13,200 13,257 13,277 13,307 13,366 13,384 13,390 13,398

12.55 12.55 16.95 29.50 25.35 54.85 15.22 70.07 14.37 84.44 5.09 89.53 3.66 93.19 2.37 95.55 1.16 96.71 0.55 97.26 0.49 97.75 0.49 98.24 0.28 98.52 0.43 98.95 0.15 99.10 0.22 99.32 0.44 99.76 0.13 99.90 0.04 99.94 0.06 100.00

PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 598.09 650.68 1,953.69 1,902.60 2,739.61 1,504.59 1,610.11 1,165.36 654.78 444.81 428.95 398.80 290.46 1,104.22 225.72 787.20 7,120.38 389.15 73.05 934.08 24,976.33

598.09 1,248.77 3,202.46 5,105.06 7,844.66 9,349.25 10,959.36 12,124.72 12,779.50 13,224.32 13,653.27 14,052.07 14,342.53 15,446.75 15,672.47 16,459.68 23,580.05 23,969.20 24,042.26 24,976.33

2.39 2.39 2.61 5.00 7.82 12.82 7.62 20.44 10.97 31.41 6.02 37.43 6.45 43.88 4.67 48.54 2.62 51.17 1.78 52.95 1.72 54.66 1.60 56.26 1.16 57.42 4.42 61.85 0.90 62.75 3.15 65.90 28.51 94.41 1.56 95.97 0.29 96.26 3.74 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 9 0 5 2 0 4 0 0 0 0 0 0 0 0 0 0 0 0 20

0 0 9 9 14 16 16 20 20 20 20 20 20 20 20 20 20 20 20 20

0.00 0.00 45.00 0.00 25.00 10.00 0.00 20.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 45.00 45.00 70.00 80.00 80.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 569.17 0.00 632.48 499.69 0.00 229.13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,930.46

0.00 0.00 569.17 569.17 1,201.64 1,701.33 1,701.33 1,930.46 1,930.46 1,930.46 1,930.46 1,930.46 1,930.46 1,930.46 1,930.46 1,930.46 1,930.46 1,930.46 1,930.46 1,930.46

0.00 0.00 29.48 0.00 32.76 25.88 0.00 11.87 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 29.48 29.48 62.25 88.13 88.13 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 29.13 0.00 23.09 33.21 0.00 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 17.77 11.15 15.32 18.20 15.52 15.92 15.11 14.60 14.14 13.74 13.46 12.50 12.32 11.73 8.19 8.05 8.03 7.73

7.73

Page 173 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 02 - SUMATERA UTARA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

12,253 11,657 17,020 11,886 12,597 5,914 4,113 2,975 1,737 882 785 962 696 860 524 836 950 478 377 116 87,618

12,253 23,910 40,930 52,816 65,413 71,327 75,440 78,415 80,152 81,034 81,819 82,781 83,477 84,337 84,861 85,697 86,647 87,125 87,502 87,618

13.98 13.98 13.30 27.29 19.43 46.71 13.57 60.28 14.38 74.66 6.75 81.41 4.69 86.10 3.40 89.50 1.98 91.48 1.01 92.49 0.90 93.38 1.10 94.48 0.79 95.27 0.98 96.26 0.60 96.85 0.95 97.81 1.08 98.89 0.55 99.44 0.43 99.87 0.13 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,928.91 1,975.20 5,054.28 5,981.27 10,810.39 7,469.52 7,892.42 6,993.27 5,732.38 3,804.34 3,569.48 4,917.04 4,398.22 6,995.48 5,126.59 11,093.70 16,782.76 9,398.50 12,890.02 2,230.95 138,044.71

4,928.91 6,904.11 11,958.39 17,939.66 28,750.05 36,219.57 44,111.99 51,105.26 56,837.64 60,641.97 64,211.45 69,128.49 73,526.70 80,522.18 85,648.77 96,742.47 113,525.23 122,923.74 135,813.76 138,044.71

3.57 3.57 1.43 5.00 3.66 8.66 4.33 13.00 7.83 20.83 5.41 26.24 5.72 31.95 5.07 37.02 4.15 41.17 2.76 43.93 2.59 46.51 3.56 50.08 3.19 53.26 5.07 58.33 3.71 62.04 8.04 70.08 12.16 82.24 6.81 89.05 9.34 98.38 1.62 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

15 9 25 6 16 12 12 20 2 13 4 8 2 2 4 8 12 4 7 1 182

15 24 49 55 71 83 95 115 117 130 134 142 144 146 150 158 170 174 181 182

8.24 8.24 4.95 13.19 13.74 26.92 3.30 30.22 8.79 39.01 6.59 45.60 6.59 52.20 10.99 63.19 1.10 64.29 7.14 71.43 2.20 73.63 4.40 78.02 1.10 79.12 1.10 80.22 2.20 82.42 4.40 86.81 6.59 93.41 2.20 95.60 3.85 99.45 0.55 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 325.02 290.18 684.80 392.98 681.46 844.25 671.13 451.53 19.08 2,822.87 172.78 9.83 0.00 2,541.91 60.56 51.73 2,519.56 108.53 273.47 0.00 12,921.65

325.02 615.19 1,300.00 1,692.98 2,374.43 3,218.68 3,889.81 4,341.34 4,360.42 7,183.29 7,356.07 7,365.89 7,365.89 9,907.80 9,968.36 10,020.09 12,539.65 12,648.18 12,921.65 12,921.65

2.52 2.52 2.25 4.76 5.30 10.06 3.04 13.10 5.27 18.38 6.53 24.91 5.19 30.10 3.49 33.60 0.15 33.75 21.85 55.59 1.34 56.93 0.08 57.00 0.00 57.00 19.67 76.68 0.47 77.14 0.40 77.54 19.50 97.04 0.84 97.88 2.12 100.00 0.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 6.59 14.69 13.55 6.57 6.30 11.30 8.50 6.46 0.33 74.20 4.84 0.20 0.00 36.34 1.18 0.47 15.01 1.15 2.12 0.00

6.59 8.91 10.87 9.44 8.26 8.89 8.82 8.49 7.67 11.85 11.46 10.66 10.02 12.30 11.64 10.36 11.05 10.29 9.51 9.36

9.36

Page 174 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 03 - SUMATERA BARAT

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

4,104 5,737 9,638 6,501 6,107 2,444 1,818 1,207 751 368 300 379 354 400 262 278 167 79 68 22 40,984

4,104 9,841 19,479 25,980 32,087 34,531 36,349 37,556 38,307 38,675 38,975 39,354 39,708 40,108 40,370 40,648 40,815 40,894 40,962 40,984

10.01 10.01 14.00 24.01 23.52 47.53 15.86 63.39 14.90 78.29 5.96 84.25 4.44 88.69 2.95 91.64 1.83 93.47 0.90 94.37 0.73 95.10 0.92 96.02 0.86 96.89 0.98 97.86 0.64 98.50 0.68 99.18 0.41 99.59 0.19 99.78 0.17 99.95 0.05 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,431.77 1,014.62 2,772.80 2,785.00 5,036.70 3,252.52 3,567.61 2,973.57 2,107.71 1,133.15 1,087.71 1,272.04 1,145.71 1,710.86 1,043.44 2,185.07 2,705.76 1,079.33 754.78 620.89 39,681.04

1,431.77 2,446.40 5,219.19 8,004.19 13,040.89 16,293.41 19,861.03 22,834.59 24,942.30 26,075.45 27,163.16 28,435.20 29,580.91 31,291.77 32,335.20 34,520.28 37,226.04 38,305.37 39,060.14 39,681.04

3.61 3.61 2.56 6.17 6.99 13.15 7.02 20.17 12.69 32.86 8.20 41.06 8.99 50.05 7.49 57.55 5.31 62.86 2.86 65.71 2.74 68.45 3.21 71.66 2.89 74.55 4.31 78.86 2.63 81.49 5.51 86.99 6.82 93.81 2.72 96.53 1.90 98.44 1.56 100.00

DATE

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

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

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

0.00 0.00 146.71 75.18 11.84 17.46 0.00 56.71 56.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0 0 4 6 8 10 10 12 14 14 14 14 14 14 14 14 14 14 14 14

0.00 0.00 28.57 14.29 14.29 14.29 0.00 14.29 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 28.57 42.86 57.14 71.43 71.43 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

364.31

0.00 0.00 146.71 221.89 233.73 251.19 251.19 307.91 364.31 364.31 364.31 364.31 364.31 364.31 364.31 364.31 364.31 364.31 364.31 364.31

0.00 0.00 40.27 20.64 3.25 4.79 0.00 15.57 15.48 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 40.27 60.91 64.16 68.95 68.95 84.52 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 5.29 2.70 0.24 0.54 0.00 1.91 2.68 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 2.81 2.77 1.79 1.54 1.26 1.35 1.46 1.40 1.34 1.28 1.23 1.16 1.13 1.06 0.98 0.95 0.93 0.92

0.92

Page 175 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 04 - RIAU

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

4,828 5,484 8,577 5,889 6,572 2,641 1,695 1,258 782 385 315 363 275 356 193 332 407 273 268 113 41,006

4,828 10,312 18,889 24,778 31,350 33,991 35,686 36,944 37,726 38,111 38,426 38,789 39,064 39,420 39,613 39,945 40,352 40,625 40,893 41,006

11.77 11.77 13.37 25.15 20.92 46.06 14.36 60.43 16.03 76.45 6.44 82.89 4.13 87.03 3.07 90.09 1.91 92.00 0.94 92.94 0.77 93.71 0.89 94.59 0.67 95.26 0.87 96.13 0.47 96.60 0.81 97.41 0.99 98.41 0.67 99.07 0.65 99.72 0.28 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 4,136.68 1,278.30 3,103.69 3,773.85 6,884.66 4,730.47 3,929.71 3,669.04 2,643.19 1,493.71 1,605.59 2,019.73 1,785.45 2,086.08 1,341.51 3,095.52 4,693.12 4,064.00 3,207.47 675.42 60,217.20

4,136.68 5,414.98 8,518.67 12,292.53 19,177.18 23,907.65 27,837.37 31,506.40 34,149.59 35,643.30 37,248.89 39,268.63 41,054.08 43,140.16 44,481.67 47,577.19 52,270.30 56,334.30 59,541.77 60,217.20

6.87 6.87 2.12 8.99 5.15 14.15 6.27 20.41 11.43 31.85 7.86 39.70 6.53 46.23 6.09 52.32 4.39 56.71 2.48 59.19 2.67 61.86 3.35 65.21 2.97 68.18 3.46 71.64 2.23 73.87 5.14 79.01 7.79 86.80 6.75 93.55 5.33 98.88 1.12 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

5 1 10 12 3 2 6 3 0 4 2 2 2 0 0 4 7 2 0 2 67

5 6 16 28 31 33 39 42 42 46 48 50 52 52 52 56 63 65 65 67

7.46 7.46 1.49 8.96 14.93 23.88 17.91 41.79 4.48 46.27 2.99 49.25 8.96 58.21 4.48 62.69 0.00 62.69 5.97 68.66 2.99 71.64 2.99 74.63 2.99 77.61 0.00 77.61 0.00 77.61 5.97 83.58 10.45 94.03 2.99 97.01 0.00 97.01 2.99 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 94.18 0.00 259.21 100.13 110.67 180.07 565.52 3.99 0.00 78.72 62.86 181.15 5.00 0.00 0.00 26.75 247.09 21.14 0.00 0.00 1,936.47

94.18 94.18 353.39 453.52 564.19 744.26 1,309.78 1,313.77 1,313.77 1,392.48 1,455.34 1,636.49 1,641.49 1,641.49 1,641.49 1,668.24 1,915.33 1,936.47 1,936.47 1,936.47

4.86 4.86 0.00 4.86 13.39 18.25 5.17 23.42 5.71 29.14 9.30 38.43 29.20 67.64 0.21 67.84 0.00 67.84 4.06 71.91 3.25 75.15 9.35 84.51 0.26 84.77 0.00 84.77 0.00 84.77 1.38 86.15 12.76 98.91 1.09 100.00 0.00 100.00 0.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 2.28 0.00 8.35 2.65 1.61 3.81 14.39 0.11 0.00 5.27 3.91 8.97 0.28 0.00 0.00 0.86 5.26 0.52 0.00 0.00

2.28 1.74 4.15 3.69 2.94 3.11 4.71 4.17 3.85 3.91 3.91 4.17 4.00 3.81 3.69 3.51 3.66 3.44 3.25 3.22

3.22

Page 176 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 05 - JAMBI

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

2,058 2,259 3,285 2,039 1,932 814 507 377 212 94 61 98 91 112 59 99 118 67 37 10 14,329

2,058 4,317 7,602 9,641 11,573 12,387 12,894 13,271 13,483 13,577 13,638 13,736 13,827 13,939 13,998 14,097 14,215 14,282 14,319 14,329

14.36 14.36 15.77 30.13 22.93 53.05 14.23 67.28 13.48 80.77 5.68 86.45 3.54 89.99 2.63 92.62 1.48 94.10 0.66 94.75 0.43 95.18 0.68 95.86 0.64 96.50 0.78 97.28 0.41 97.69 0.69 98.38 0.82 99.20 0.47 99.67 0.26 99.93 0.07 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 695.79 536.71 1,435.96 1,542.62 2,104.18 1,376.64 1,244.78 1,061.86 773.31 589.82 302.85 500.94 481.30 928.70 559.08 1,441.03 1,464.93 679.27 406.81 847.17 18,973.75

695.79 1,232.50 2,668.46 4,211.08 6,315.26 7,691.90 8,936.68 9,998.54 10,771.84 11,361.66 11,664.51 12,165.44 12,646.75 13,575.45 14,134.53 15,575.56 17,040.49 17,719.77 18,126.58 18,973.75

3.67 3.67 2.83 6.50 7.57 14.06 8.13 22.19 11.09 33.28 7.26 40.54 6.56 47.10 5.60 52.70 4.08 56.77 3.11 59.88 1.60 61.48 2.64 64.12 2.54 66.65 4.89 71.55 2.95 74.50 7.59 82.09 7.72 89.81 3.58 93.39 2.14 95.54 4.46 100.00

DATE

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

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

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

22.18 20.24 257.55 0.00 0.00 28.26 0.00 0.00 0.00 0.00 0.00 8.11 0.00 0.00 0.00 7.77 0.00 0.00 0.00 0.00

3 5 11 11 11 13 13 13 13 13 13 15 15 15 15 17 17 17 17 17

17.65 11.76 35.29 0.00 0.00 11.76 0.00 0.00 0.00 0.00 0.00 11.76 0.00 0.00 0.00 11.76 0.00 0.00 0.00 0.00

17.65 29.41 64.71 64.71 64.71 76.47 76.47 76.47 76.47 76.47 76.47 88.24 88.24 88.24 88.24 100.00 100.00 100.00 100.00 100.00

344.10

22.18 42.42 299.97 299.97 299.97 328.22 328.22 328.22 328.22 328.22 328.22 336.33 336.33 336.33 336.33 344.10 344.10 344.10 344.10 344.10

6.45 5.88 74.85 0.00 0.00 8.21 0.00 0.00 0.00 0.00 0.00 2.36 0.00 0.00 0.00 2.26 0.00 0.00 0.00 0.00

6.45 12.33 87.17 87.17 87.17 95.39 95.39 95.39 95.39 95.39 95.39 97.74 97.74 97.74 97.74 100.00 100.00 100.00 100.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 3.19 3.77 17.94 0.00 0.00 2.05 0.00 0.00 0.00 0.00 0.00 1.62 0.00 0.00 0.00 0.54 0.00 0.00 0.00 0.00

3.19 3.44 11.24 7.12 4.75 4.27 3.67 3.28 3.05 2.89 2.81 2.76 2.66 2.48 2.38 2.21 2.02 1.94 1.90 1.81

1.81

Page 177 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 06 - SUMATERA SELATAN

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

3,895 3,427 5,879 4,034 4,494 2,222 1,609 1,196 712 358 267 326 228 264 203 306 259 173 209 51 30,112

3,895 7,322 13,201 17,235 21,729 23,951 25,560 26,756 27,468 27,826 28,093 28,419 28,647 28,911 29,114 29,420 29,679 29,852 30,061 30,112

12.94 12.94 11.38 24.32 19.52 43.84 13.40 57.24 14.92 72.16 7.38 79.54 5.34 84.88 3.97 88.85 2.36 91.22 1.19 92.41 0.89 93.30 1.08 94.38 0.76 95.13 0.88 96.01 0.67 96.69 1.02 97.70 0.86 98.56 0.57 99.14 0.69 99.83 0.17 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,877.99 580.16 1,870.79 2,389.41 4,255.13 3,037.85 3,240.32 3,043.79 2,327.20 1,346.90 1,038.70 1,462.12 1,203.92 1,565.15 1,510.56 3,427.11 3,993.24 2,805.11 4,139.88 4,880.05 50,995.39

2,877.99 3,458.16 5,328.94 7,718.35 11,973.49 15,011.34 18,251.66 21,295.45 23,622.65 24,969.55 26,008.24 27,470.37 28,674.28 30,239.43 31,750.00 35,177.11 39,170.35 41,975.46 46,115.34 50,995.39

5.64 5.64 1.14 6.78 3.67 10.45 4.69 15.14 8.34 23.48 5.96 29.44 6.35 35.79 5.97 41.76 4.56 46.32 2.64 48.96 2.04 51.00 2.87 53.87 2.36 56.23 3.07 59.30 2.96 62.26 6.72 68.98 7.83 76.81 5.50 82.31 8.12 90.43 9.57 100.00

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

6 6 6 6 10 14 14 16 16 16 16 17 19 19 19 24 24 24 27 27

22.22 22.22 0.00 22.22 0.00 22.22 0.00 22.22 14.81 37.04 14.81 51.85 0.00 51.85 7.41 59.26 0.00 59.26 0.00 59.26 0.00 59.26 3.70 62.96 7.41 70.37 0.00 70.37 0.00 70.37 18.52 88.89 0.00 88.89 0.00 88.89 11.11 100.00 0.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,419.90 0.00 0.00 0.00 4.44 22.42 0.00 1.57 0.00 0.00 0.00 0.00 19.36 0.00 0.00 325.91 0.00 0.00 2.60 0.00 1,796.20

1,419.90 1,419.90 1,419.90 1,419.90 1,424.34 1,446.75 1,446.75 1,448.32 1,448.32 1,448.32 1,448.32 1,448.32 1,467.69 1,467.69 1,467.69 1,793.60 1,793.60 1,793.60 1,796.20 1,796.20

79.05 79.05 0.00 79.05 0.00 79.05 0.00 79.05 0.25 79.30 1.25 80.55 0.00 80.55 0.09 80.63 0.00 80.63 0.00 80.63 0.00 80.63 0.00 80.63 1.08 81.71 0.00 81.71 0.00 81.71 18.14 99.86 0.00 99.86 0.00 99.86 0.14 100.00 0.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 49.34 0.00 0.00 0.00 0.10 0.74 0.00 0.05 0.00 0.00 0.00 0.00 1.61 0.00 0.00 9.51 0.00 0.00 0.06 0.00

49.34 41.06 26.65 18.40 11.90 9.64 7.93 6.80 6.13 5.80 5.57 5.27 5.12 4.85 4.62 5.10 4.58 4.27 3.90 3.52

3.52

Page 178 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 07 - BENGKULU

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,581 1,790 2,601 1,615 1,479 574 399 179 122 55 38 44 42 53 26 73 58 36 31 6 10,802

1,581 3,371 5,972 7,587 9,066 9,640 10,039 10,218 10,340 10,395 10,433 10,477 10,519 10,572 10,598 10,671 10,729 10,765 10,796 10,802

14.64 14.64 16.57 31.21 24.08 55.29 14.95 70.24 13.69 83.93 5.31 89.24 3.69 92.94 1.66 94.59 1.13 95.72 0.51 96.23 0.35 96.58 0.41 96.99 0.39 97.38 0.49 97.87 0.24 98.11 0.68 98.79 0.54 99.32 0.33 99.66 0.29 99.94 0.06 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 379.50 381.08 1,017.62 975.92 1,563.82 931.38 899.20 494.18 385.92 241.77 202.59 190.43 232.10 325.90 420.07 660.25 756.23 339.91 216.66 44.46 10,659.01

379.50 760.58 1,778.20 2,754.12 4,317.94 5,249.32 6,148.53 6,642.71 7,028.63 7,270.39 7,472.98 7,663.42 7,895.52 8,221.41 8,641.49 9,301.74 10,057.97 10,397.89 10,614.55 10,659.01

3.56 3.56 3.58 7.14 9.55 16.68 9.16 25.84 14.67 40.51 8.74 49.25 8.44 57.68 4.64 62.32 3.62 65.94 2.27 68.21 1.90 70.11 1.79 71.90 2.18 74.07 3.06 77.13 3.94 81.07 6.19 87.27 7.09 94.36 3.19 97.55 2.03 99.58 0.42 100.00

DATE

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

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

6 0 0 2 4 3 0 0 0 0 0 0 0 0 0 0 0 0 0 0

115.11 0.00 0.00 51.00 402.01 535.57 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

6 6 6 8 12 15 15 15 15 15 15 15 15 15 15 15 15 15 15 15

40.00 0.00 0.00 13.33 26.67 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

40.00 40.00 40.00 53.33 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

1,103.69

115.11 115.11 115.11 166.11 568.12 1,103.69 1,103.69 1,103.69 1,103.69 1,103.69 1,103.69 1,103.69 1,103.69 1,103.69 1,103.69 1,103.69 1,103.69 1,103.69 1,103.69 1,103.69

10.43 0.00 0.00 4.62 36.42 48.53 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

10.43 10.43 10.43 15.05 51.47 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 30.33 0.00 0.00 5.23 25.71 57.50 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

30.33 15.13 6.47 6.03 13.16 21.03 17.95 16.62 15.70 15.18 14.77 14.40 13.98 13.42 12.77 11.87 10.97 10.61 10.40 10.35

10.35

Page 179 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 08 - LAMPUNG

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING NUMBER OF POLICIES PERCENTAGE F BAND CUM.

3,314 3,395 4,808 2,654 2,749 1,434 1,134 741 408 257 215 231 152 227 150 337 284 152 174 68 22,884

3,314 6,709 11,517 14,171 16,920 18,354 19,488 20,229 20,637 20,894 21,109 21,340 21,492 21,719 21,869 22,206 22,490 22,642 22,816 22,884

14.48 14.48 14.84 29.32 21.01 50.33 11.60 61.93 12.01 73.94 6.27 80.20 4.96 85.16 3.24 88.40 1.78 90.18 1.12 91.30 0.94 92.24 1.01 93.25 0.66 93.92 0.99 94.91 0.66 95.56 1.47 97.04 1.24 98.28 0.66 98.94 0.76 99.70 0.30 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,109.34 609.77 1,643.88 1,471.13 2,524.72 1,840.17 2,089.74 1,689.70 1,442.29 1,168.95 998.98 1,170.14 867.40 1,864.96 2,163.79 4,051.41 5,288.86 2,900.83 2,565.00 577.08 39,038.13

2,109.34 2,719.10 4,362.99 5,834.12 8,358.84 10,199.01 12,288.75 13,978.45 15,420.75 16,589.69 17,588.67 18,758.81 19,626.21 21,491.17 23,654.96 27,706.36 32,995.23 35,896.05 38,461.05 39,038.13

5.40 5.40 1.56 6.97 4.21 11.18 3.77 14.94 6.47 21.41 4.71 26.13 5.35 31.48 4.33 35.81 3.69 39.50 2.99 42.50 2.56 45.06 3.00 48.05 2.22 50.27 4.78 55.05 5.54 60.59 10.38 70.97 13.55 84.52 7.43 91.95 6.57 98.52 1.48 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

17 2 0 0 4 2 0 2 4 2 0 5 0 4 3 9 18 2 0 0 74

17 19 19 19 23 25 25 27 31 33 33 38 38 42 45 54 72 74 74 74

22.97 22.97 2.70 25.68 0.00 25.68 0.00 25.68 5.41 31.08 2.70 33.78 0.00 33.78 2.70 36.49 5.41 41.89 2.70 44.59 0.00 44.59 6.76 51.35 0.00 51.35 5.41 56.76 4.05 60.81 12.16 72.97 24.32 97.30 2.70 100.00 0.00 100.00 0.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,160.67 0.00 0.00 0.00 87.38 54.33 0.00 23.19 230.70 5.00 0.00 2,418.29 0.00 169.06 80.43 106.81 100.65 93.27 0.00 0.00 4,529.77

1,160.67 1,160.67 1,160.67 1,160.67 1,248.05 1,302.38 1,302.38 1,325.57 1,556.26 1,561.26 1,561.26 3,979.56 3,979.56 4,148.61 4,229.04 4,335.85 4,436.50 4,529.77 4,529.77 4,529.77

25.62 25.62 0.00 25.62 0.00 25.62 0.00 25.62 1.93 27.55 1.20 28.75 0.00 28.75 0.51 29.26 5.09 34.36 0.11 34.47 0.00 34.47 53.39 87.85 0.00 87.85 3.73 91.59 1.78 93.36 2.36 95.72 2.22 97.94 2.06 100.00 0.00 100.00 0.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 55.03 0.00 0.00 0.00 3.46 2.95 0.00 1.37 16.00 0.43 0.00 206.67 0.00 9.06 3.72 2.64 1.90 3.22 0.00 0.00

55.03 42.69 26.60 19.89 14.93 12.77 10.60 9.48 10.09 9.41 8.88 21.21 20.28 19.30 17.88 15.65 13.45 12.62 11.78 11.60

11.60

Page 180 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 09 - DAERAH KHUSUS IBUKOTA JAKARTA

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

23,112 13,995 28,872 25,994 40,374 26,009 20,817 16,450 9,490 5,335 4,299 4,837 3,361 3,952 2,549 3,867 3,106 1,428 2,016 743 240,606

23,112 37,107 65,979 91,973 132,347 158,356 179,173 195,623 205,113 210,448 214,747 219,584 222,945 226,897 229,446 233,313 236,419 237,847 239,863 240,606

9.61 9.61 5.82 15.42 12.00 27.42 10.80 38.23 16.78 55.01 10.81 65.82 8.65 74.47 6.84 81.30 3.94 85.25 2.22 87.47 1.79 89.25 2.01 91.26 1.40 92.66 1.64 94.30 1.06 95.36 1.61 96.97 1.29 98.26 0.59 98.85 0.84 99.69 0.31 100.00

PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 24,787.74 3,489.56 8,173.03 10,652.67 25,268.24 23,202.31 27,065.51 29,774.03 23,466.46 15,939.92 14,935.14 19,333.86 16,568.90 23,515.69 18,473.07 39,687.19 36,940.47 21,654.46 37,052.38 25,477.52 445,458.14

24,787.74 28,277.30 36,450.33 47,103.00 72,371.24 95,573.55 122,639.06 152,413.10 175,879.56 191,819.48 206,754.62 226,088.48 242,657.38 266,173.06 284,646.13 324,333.32 361,273.79 382,928.25 419,980.62 445,458.14

5.56 5.56 0.78 6.35 1.83 8.18 2.39 10.57 5.67 16.25 5.21 21.46 6.08 27.53 6.68 34.21 5.27 39.48 3.58 43.06 3.35 46.41 4.34 50.75 3.72 54.47 5.28 59.75 4.15 63.90 8.91 72.81 8.29 81.10 4.86 85.96 8.32 94.28 5.72 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

141 34 32 15 62 41 35 33 18 11 14 17 7 51 15 241 51 26 80 13 937

141 175 207 222 284 325 360 393 411 422 436 453 460 511 526 767 818 844 924 937

15.05 15.05 3.63 18.68 3.42 22.09 1.60 23.69 6.62 30.31 4.38 34.69 3.74 38.42 3.52 41.94 1.92 43.86 1.17 45.04 1.49 46.53 1.81 48.35 0.75 49.09 5.44 54.54 1.60 56.14 25.72 81.86 5.44 87.30 2.77 90.07 8.54 98.61 1.39 100.00

01/01/2010

15/06/2011

DATE

15/10/2011

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

107,114.20 360.65 860.00 317.00 2,407.59 864.62 1,164.08 1,272.25 308.58 109.49 2,383.93 229.49 7.54 141,403.46 1,248.51 4,883.00 1,393.83 474.55 249,148.13 1,004.70 516,955.59

107,114.20 107,474.85 108,334.85 108,651.85 111,059.44 111,924.06 113,088.14 114,360.39 114,668.97 114,778.46 117,162.38 117,391.87 117,399.41 258,802.87 260,051.37 264,934.37 266,328.20 266,802.75 515,950.89 516,955.59

LOSS RATIO PERCENTAGE BAND CUM.

20.72 20.72 432.13 432.13 0.07 20.79 10.34 380.07 0.17 20.96 10.52 297.21 0.06 21.02 2.98 230.67 0.47 21.48 9.53 153.46 0.17 21.65 3.73 117.11 0.23 21.88 4.30 92.21 0.25 22.12 4.27 75.03 0.06 22.18 1.31 65.20 0.02 22.20 0.69 59.84 0.46 22.66 15.96 56.67 0.04 22.71 1.19 51.92 0.00 22.71 0.05 48.38 27.35 50.06 601.32 97.23 0.24 50.30 6.76 91.36 0.94 51.25 12.30 81.69 0.27 51.52 3.77 73.72 0.09 51.61 2.19 69.67 48.20 99.81 672.42 122.85 0.19 100.00 3.94 116.05 116.05

Page 181 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 10 - JAWA BARAT

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 25,281 24,469 34,435 21,508 24,139 13,428 11,217 8,331 4,605 2,652 2,194 2,791 2,047 2,884 2,043 3,433 3,335 1,502 1,977 769 193,040

25,281 49,750 84,185 105,693 129,832 143,260 154,477 162,808 167,413 170,065 172,259 175,050 177,097 179,981 182,024 185,457 188,792 190,294 192,271 193,040

13.10 13.10 12.68 25.77 17.84 43.61 11.14 54.75 12.50 67.26 6.96 74.21 5.81 80.02 4.32 84.34 2.39 86.72 1.37 88.10 1.14 89.23 1.45 90.68 1.06 91.74 1.49 93.24 1.06 94.29 1.78 96.07 1.73 97.80 0.78 98.58 1.02 99.60 0.40 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 15,991.13 3,784.36 9,406.97 10,166.25 17,241.78 14,526.31 15,447.08 16,006.60 12,360.07 9,008.80 8,252.68 12,379.01 10,032.36 18,285.88 16,426.53 38,981.03 44,352.63 22,513.57 32,566.57 32,566.71 360,296.33

15,991.13 19,775.50 29,182.47 39,348.72 56,590.49 71,116.81 86,563.89 102,570.49 114,930.56 123,939.36 132,192.04 144,571.05 154,603.41 172,889.30 189,315.83 228,296.86 272,649.48 295,163.05 327,729.62 360,296.33

4.44 4.44 1.05 5.49 2.61 8.10 2.82 10.92 4.79 15.71 4.03 19.74 4.29 24.03 4.44 28.47 3.43 31.90 2.50 34.40 2.29 36.69 3.44 40.13 2.78 42.91 5.08 47.99 4.56 52.54 10.82 63.36 12.31 75.67 6.25 81.92 9.04 90.96 9.04 100.00

CLAIM FREQUENCY PERCENTAGE F f BAND CUM. 470 8 21 43 23 27 9 12 12 3 10 12 25 21 13 30 53 19 55 21 887

470 478 499 542 565 592 601 613 625 628 638 650 675 696 709 739 792 811 866 887

DATE

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

52.99 52.99 513,943.03 513,943.03 0.90 53.89 217.29 514,160.32 2.37 56.26 269.79 514,430.10 4.85 61.10 612.19 515,042.29 2.59 63.70 484.67 515,526.97 3.04 66.74 1,663.58 517,190.55 1.01 67.76 33.26 517,223.81 1.35 69.11 90.97 517,314.78 1.35 70.46 1,506.96 518,821.74 0.34 70.80 88.76 518,910.50 1.13 71.93 502.73 519,413.23 1.35 73.28 137.50 519,550.73 2.82 76.10 916.90 520,467.63 2.37 78.47 101.72 520,569.35 1.47 79.93 651.24 521,220.59 3.38 83.31 614.83 521,835.42 5.98 89.29 3,629.71 525,465.14 2.14 91.43 132.26 525,597.39 6.20 97.63 1,260.27 526,857.66 2.37 100.00 1,445.98 528,303.64 528,303.64

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM.

97.28 97.28 3,213,92 3,213,92 0.04 97.32 5.74 2,599,99 0.05 97.37 2.87 1,762,81 0.12 97.49 6.02 1,308,92 0.09 97.58 2.81 910.98 0.31 97.90 11.45 727.24 0.01 97.90 0.22 597.51 0.02 97.92 0.57 504.35 0.29 98.21 12.19 451.42 0.02 98.22 0.99 418.68 0.10 98.32 6.09 392.92 0.03 98.34 1.11 359.37 0.17 98.52 9.14 336.65 0.02 98.54 0.56 301.10 0.12 98.66 3.96 275.32 0.12 98.78 1.58 228.58 0.69 99.46 8.18 192.73 0.03 99.49 0.59 178.07 0.24 99.73 3.87 160.76 0.27 100.00 4.44 146.63 146.63

Page 182 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 11 - JAWA TENGAH

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

19,316 15,861 17,458 9,029 9,707 5,759 4,922 3,921 2,212 1,359 1,129 1,350 866 1,329 783 1,290 1,109 446 508 197 98,551

19,316 35,177 52,635 61,664 71,371 77,130 82,052 85,973 88,185 89,544 90,673 92,023 92,889 94,218 95,001 96,291 97,400 97,846 98,354 98,551

19.60 19.60 16.09 35.69 17.71 53.41 9.16 62.57 9.85 72.42 5.84 78.26 4.99 83.26 3.98 87.24 2.24 89.48 1.38 90.86 1.15 92.01 1.37 93.38 0.88 94.25 1.35 95.60 0.79 96.40 1.31 97.71 1.13 98.83 0.45 99.28 0.52 99.80 0.20 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 7,036.58 2,448.02 4,916.75 4,314.83 7,869.92 6,681.69 7,087.69 8,150.06 6,380.15 5,097.51 4,357.86 6,608.93 4,998.12 9,355.78 6,819.64 15,687.48 14,861.48 7,204.66 9,676.49 12,753.02 152,306.66

7,036.58 9,484.60 14,401.35 18,716.18 26,586.10 33,267.79 40,355.47 48,505.53 54,885.68 59,983.19 64,341.05 70,949.97 75,948.10 85,303.88 92,123.52 107,811.01 122,672.49 129,877.14 139,553.64 152,306.66

4.62 4.62 1.61 6.23 3.23 9.46 2.83 12.29 5.17 17.46 4.39 21.84 4.65 26.50 5.35 31.85 4.19 36.04 3.35 39.38 2.86 42.24 4.34 46.58 3.28 49.87 6.14 56.01 4.48 60.49 10.30 70.79 9.76 80.54 4.73 85.27 6.35 91.63 8.37 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

39 6 7 6 7 4 27 6 10 3 8 8 6 9 12 6 8 6 20 4 202

39 45 52 58 65 69 96 102 112 115 123 131 137 146 158 164 172 178 198 202

19.31 19.31 2.97 22.28 3.47 25.74 2.97 28.71 3.47 32.18 1.98 34.16 13.37 47.52 2.97 50.50 4.95 55.45 1.49 56.93 3.96 60.89 3.96 64.85 2.97 67.82 4.46 72.28 5.94 78.22 2.97 81.19 3.96 85.15 2.97 88.12 9.90 98.02 1.98 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,714.33 26.97 782.42 260.60 138.24 22.30 1,805.84 946.45 98.78 10.68 62.88 224.23 183.01 698.66 83.17 2,322.91 765.15 54.06 762.79 3,374.37 14,337.85

1,714.33 1,741.30 2,523.71 2,784.32 2,922.56 2,944.86 4,750.70 5,697.15 5,795.93 5,806.61 5,869.49 6,093.72 6,276.73 6,975.40 7,058.57 9,381.48 10,146.63 10,200.68 10,963.47 14,337.85

11.96 11.96 0.19 12.14 5.46 17.60 1.82 19.42 0.96 20.38 0.16 20.54 12.59 33.13 6.60 39.74 0.69 40.42 0.07 40.50 0.44 40.94 1.56 42.50 1.28 43.78 4.87 48.65 0.58 49.23 16.20 65.43 5.34 70.77 0.38 71.15 5.32 76.47 23.53 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 24.36 1.10 15.91 6.04 1.76 0.33 25.48 11.61 1.55 0.21 1.44 3.39 3.66 7.47 1.22 14.81 5.15 0.75 7.88 26.46

24.36 18.36 17.52 14.88 10.99 8.85 11.77 11.75 10.56 9.68 9.12 8.59 8.26 8.18 7.66 8.70 8.27 7.85 7.86 9.41

9.41

Page 183 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 12 - DAERAH ISTIMEWA YOGYAKARTA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,893 1,584 2,206 1,376 1,616 981 822 651 425 199 175 235 167 192 104 172 124 79 32 6 13,039

1,893 3,477 5,683 7,059 8,675 9,656 10,478 11,129 11,554 11,753 11,928 12,163 12,330 12,522 12,626 12,798 12,922 13,001 13,033 13,039

14.52 14.52 12.15 26.67 16.92 43.58 10.55 54.14 12.39 66.53 7.52 74.05 6.30 80.36 4.99 85.35 3.26 88.61 1.53 90.14 1.34 91.48 1.80 93.28 1.28 94.56 1.47 96.03 0.80 96.83 1.32 98.15 0.95 99.10 0.61 99.71 0.25 99.95 0.05 100.00

PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 756.33 230.49 576.89 599.74 1,093.67 957.87 1,011.58 1,122.36 967.05 644.35 620.39 1,143.27 633.80 1,224.87 621.13 2,167.88 1,104.22 833.79 449.94 32.23 16,791.87

756.33 986.82 1,563.71 2,163.46 3,257.13 4,215.00 5,226.58 6,348.94 7,316.00 7,960.35 8,580.74 9,724.01 10,357.81 11,582.68 12,203.81 14,371.69 15,475.91 16,309.70 16,759.64 16,791.87

4.50 4.50 1.37 5.88 3.44 9.31 3.57 12.88 6.51 19.40 5.70 25.10 6.02 31.13 6.68 37.81 5.76 43.57 3.84 47.41 3.69 51.10 6.81 57.91 3.77 61.68 7.29 68.98 3.70 72.68 12.91 85.59 6.58 92.16 4.97 97.13 2.68 99.81 0.19 100.00

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

0 4 6 8 12 12 14 14 14 16 16 18 20 20 20 22 22 24 24 24

0.00 0.00 16.67 16.67 8.33 25.00 8.33 33.33 16.67 50.00 0.00 50.00 8.33 58.33 0.00 58.33 0.00 58.33 8.33 66.67 0.00 66.67 8.33 75.00 8.33 83.33 0.00 83.33 0.00 83.33 8.33 91.67 0.00 91.67 8.33 100.00 0.00 100.00 0.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.94 19.79 8.18 7.17 0.00 5.48 0.00 0.00 3.05 0.00 24.07 3.36 0.00 0.00 0.00 0.00 0.00 0.00 0.00 72.05

0.00 0.94 20.73 28.92 36.09 36.09 41.57 41.57 41.57 44.62 44.62 68.69 72.05 72.05 72.05 72.05 72.05 72.05 72.05 72.05

0.00 1.30 27.47 11.36 9.95 0.00 7.61 0.00 0.00 4.23 0.00 33.41 4.66 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 1.30 28.78 40.14 50.09 50.09 57.70 57.70 57.70 61.93 61.93 95.34 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.41 3.43 1.36 0.66 0.00 0.54 0.00 0.00 0.47 0.00 2.11 0.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.10 1.33 1.34 1.11 0.86 0.80 0.65 0.57 0.56 0.52 0.71 0.70 0.62 0.59 0.50 0.47 0.44 0.43 0.43

0.43

Page 184 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 13 - JAWA TIMUR

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

18,827 16,320 22,133 13,633 16,745 10,443 8,588 6,891 4,158 2,362 1,891 2,308 1,606 2,230 1,438 2,443 1,900 992 1,043 361 136,312

18,827 35,147 57,280 70,913 87,658 98,101 106,689 113,580 117,738 120,100 121,991 124,299 125,905 128,135 129,573 132,016 133,916 134,908 135,951 136,312

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

13.81 13.81 13,423.25 11.97 25.78 2,438.52 16.24 42.02 6,010.67 10.00 52.02 6,265.51 12.28 64.31 11,954.71 7.66 71.97 10,463.01 6.30 78.27 11,459.50 5.06 83.32 12,832.26 3.05 86.37 10,730.16 1.73 88.11 7,957.08 1.39 89.49 7,102.94 1.69 91.19 11,190.74 1.18 92.37 9,307.37 1.64 94.00 15,187.65 1.05 95.06 13,685.36 1.79 96.85 29,911.78 1.39 98.24 29,708.02 0.73 98.97 15,630.98 0.77 99.74 13,487.42 0.26 100.00 150,285.76 389,032.70

13,423.25 15,861.77 21,872.44 28,137.95 40,092.66 50,555.67 62,015.17 74,847.43 85,577.59 93,534.67 100,637.61 111,828.35 121,135.72 136,323.37 150,008.73 179,920.52 209,628.54 225,259.52 238,746.95 389,032.70

3.45 3.45 0.63 4.08 1.55 5.62 1.61 7.23 3.07 10.31 2.69 13.00 2.95 15.94 3.30 19.24 2.76 22.00 2.05 24.04 1.83 25.87 2.88 28.75 2.39 31.14 3.90 35.04 3.52 38.56 7.69 46.25 7.64 53.88 4.02 57.90 3.47 61.37 38.63 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

78 2 10 4 8 15 11 13 8 6 10 21 9 20 48 27 38 17 16 3 364

78 80 90 94 102 117 128 141 149 155 165 186 195 215 263 290 328 345 361 364

21.43 21.43 0.55 21.98 2.75 24.73 1.10 25.82 2.20 28.02 4.12 32.14 3.02 35.16 3.57 38.74 2.20 40.93 1.65 42.58 2.75 45.33 5.77 51.10 2.47 53.57 5.49 59.07 13.19 72.25 7.42 79.67 10.44 90.11 4.67 94.78 4.40 99.18 0.82 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 9,959.65 3.10 121.82 199.98 910.12 1,034.23 85.33 722.90 133.82 3,863.96 1,775.80 659.98 89.26 575.09 520.02 1,356.05 24,300.96 289.43 763.63 7.83 47,372.98

9,959.65 9,962.74 10,084.57 10,284.55 11,194.67 12,228.90 12,314.23 13,037.14 13,170.96 17,034.92 18,810.73 19,470.70 19,559.96 20,135.05 20,655.07 22,011.12 46,312.09 46,601.52 47,365.15 47,372.98

21.02 21.02 0.01 21.03 0.26 21.29 0.42 21.71 1.92 23.63 2.18 25.81 0.18 25.99 1.53 27.52 0.28 27.80 8.16 35.96 3.75 39.71 1.39 41.10 0.19 41.29 1.21 42.50 1.10 43.60 2.86 46.46 51.30 97.76 0.61 98.37 1.61 99.98 0.02 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 74.20 0.13 2.03 3.19 7.61 9.88 0.74 5.63 1.25 48.56 25.00 5.90 0.96 3.79 3.80 4.53 81.80 1.85 5.66 0.01

74.20 62.81 46.11 36.55 27.92 24.19 19.86 17.42 15.39 18.21 18.69 17.41 16.15 14.77 13.77 12.23 22.09 20.69 19.84 12.18

12.18

Page 185 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 14 - KALIMANTAN BARAT

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

8,144 8,359 10,376 3,979 3,347 1,265 845 640 423 240 194 198 117 194 86 215 149 74 81 16 38,942

8,144 16,503 26,879 30,858 34,205 35,470 36,315 36,955 37,378 37,618 37,812 38,010 38,127 38,321 38,407 38,622 38,771 38,845 38,926 38,942

20.91 20.91 21.47 42.38 26.64 69.02 10.22 79.24 8.59 87.84 3.25 91.08 2.17 93.25 1.64 94.90 1.09 95.98 0.62 96.60 0.50 97.10 0.51 97.61 0.30 97.91 0.50 98.41 0.22 98.63 0.55 99.18 0.38 99.56 0.19 99.75 0.21 99.96 0.04 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 3,485.66 4,063.97 9,523.10 6,415.40 7,904.71 3,893.57 3,237.81 2,744.30 1,682.72 1,060.46 1,003.14 1,039.33 783.37 1,348.97 984.42 2,754.27 2,459.69 1,632.73 1,692.98 492.60 58,203.18

3,485.66 7,549.63 17,072.72 23,488.13 31,392.84 35,286.41 38,524.21 41,268.52 42,951.24 44,011.69 45,014.83 46,054.16 46,837.53 48,186.50 49,170.92 51,925.19 54,384.88 56,017.61 57,710.59 58,203.18

5.99 5.99 6.98 12.97 16.36 29.33 11.02 40.36 13.58 53.94 6.69 60.63 5.56 66.19 4.72 70.90 2.89 73.80 1.82 75.62 1.72 77.34 1.79 79.13 1.35 80.47 2.32 82.79 1.69 84.48 4.73 89.21 4.23 93.44 2.81 96.24 2.91 99.15 0.85 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

27 16 6 3 6 5 4 2 0 0 0 0 0 0 0 0 0 3 4 2 78

27 43 49 52 58 63 67 69 69 69 69 69 69 69 69 69 69 72 76 78

34.62 34.62 20.51 55.13 7.69 62.82 3.85 66.67 7.69 74.36 6.41 80.77 5.13 85.90 2.56 88.46 0.00 88.46 0.00 88.46 0.00 88.46 0.00 88.46 0.00 88.46 0.00 88.46 0.00 88.46 0.00 88.46 0.00 88.46 3.85 92.31 5.13 97.44 2.56 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 1,286.90 526.29 250.24 86.19 731.64 254.19 197.97 1,153.86 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 140.84 161.54 10.14 4,799.80

1,286.90 1,813.19 2,063.43 2,149.63 2,881.27 3,135.45 3,333.42 4,487.28 4,487.28 4,487.28 4,487.28 4,487.28 4,487.28 4,487.28 4,487.28 4,487.28 4,487.28 4,628.12 4,789.66 4,799.80

26.81 26.81 10.96 37.78 5.21 42.99 1.80 44.79 15.24 60.03 5.30 65.32 4.12 69.45 24.04 93.49 0.00 93.49 0.00 93.49 0.00 93.49 0.00 93.49 0.00 93.49 0.00 93.49 0.00 93.49 0.00 93.49 0.00 93.49 2.93 96.42 3.37 99.79 0.21 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 36.92 12.95 2.63 1.34 9.26 6.53 6.11 42.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.63 9.54 2.06

36.92 24.02 12.09 9.15 9.18 8.89 8.65 10.87 10.45 10.20 9.97 9.74 9.58 9.31 9.13 8.64 8.25 8.26 8.30 8.25

8.25

Page 186 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 15 - KALIMANTAN TENGAH

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

2,471 1,534 1,844 947 995 468 321 276 167 77 49 42 42 73 38 72 68 71 62 7 9,624

2,471 4,005 5,849 6,796 7,791 8,259 8,580 8,856 9,023 9,100 9,149 9,191 9,233 9,306 9,344 9,416 9,484 9,555 9,617 9,624

25.68 25.68 15.94 41.61 19.16 60.78 9.84 70.62 10.34 80.95 4.86 85.82 3.34 89.15 2.87 92.02 1.74 93.76 0.80 94.56 0.51 95.06 0.44 95.50 0.44 95.94 0.76 96.70 0.39 97.09 0.75 97.84 0.71 98.55 0.74 99.28 0.64 99.93 0.07 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,903.58 409.19 956.51 845.74 1,371.61 1,073.56 918.79 1,077.97 793.25 397.32 235.30 286.83 248.99 471.89 315.46 1,106.09 1,051.19 955.97 2,566.17 107.90 18,093.30

2,903.58 3,312.77 4,269.27 5,115.02 6,486.63 7,560.18 8,478.97 9,556.94 10,350.18 10,747.51 10,982.81 11,269.63 11,518.63 11,990.52 12,305.98 13,412.07 14,463.26 15,419.23 17,985.40 18,093.30

16.05 16.05 2.26 18.31 5.29 23.60 4.67 28.27 7.58 35.85 5.93 41.78 5.08 46.86 5.96 52.82 4.38 57.20 2.20 59.40 1.30 60.70 1.59 62.29 1.38 63.66 2.61 66.27 1.74 68.01 6.11 74.13 5.81 79.94 5.28 85.22 14.18 99.40 0.60 100.00

DATE

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

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

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

54.26 18.43 102.63 0.00 0.00 0.00 607.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.58 0.00 0.00

2 4 6 6 6 6 8 8 8 8 8 8 8 8 8 8 8 10 11 11

18.18 18.18 18.18 36.36 18.18 54.55 0.00 54.55 0.00 54.55 0.00 54.55 18.18 72.73 0.00 72.73 0.00 72.73 0.00 72.73 0.00 72.73 0.00 72.73 0.00 72.73 0.00 72.73 0.00 72.73 0.00 72.73 0.00 72.73 18.18 90.91 9.09 100.00 0.00 100.00

800.58

54.26 72.69 175.32 175.32 175.32 175.32 782.99 782.99 782.99 782.99 782.99 782.99 782.99 782.99 782.99 782.99 782.99 800.58 800.58 800.58

6.78 6.78 2.30 9.08 12.82 21.90 0.00 21.90 0.00 21.90 0.00 21.90 75.90 97.80 0.00 97.80 0.00 97.80 0.00 97.80 0.00 97.80 0.00 97.80 0.00 97.80 0.00 97.80 0.00 97.80 0.00 97.80 0.00 97.80 2.20 100.00 0.00 100.00 0.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 1.87 4.50 10.73 0.00 0.00 0.00 66.14 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.84 0.00 0.00

1.87 2.19 4.11 3.43 2.70 2.32 9.23 8.19 7.57 7.29 7.13 6.95 6.80 6.53 6.36 5.84 5.41 5.19 4.45 4.42

4.42

Page 187 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 16 - KALIMANTAN SELATAN

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

2,865 2,913 3,801 1,956 1,985 1,064 610 467 304 187 137 164 112 164 99 192 143 85 66 38 17,352

2,865 5,778 9,579 11,535 13,520 14,584 15,194 15,661 15,965 16,152 16,289 16,453 16,565 16,729 16,828 17,020 17,163 17,248 17,314 17,352

16.51 16.51 16.79 33.30 21.91 55.20 11.27 66.48 11.44 77.92 6.13 84.05 3.52 87.56 2.69 90.25 1.75 92.01 1.08 93.08 0.79 93.87 0.95 94.82 0.65 95.46 0.95 96.41 0.57 96.98 1.11 98.09 0.82 98.91 0.49 99.40 0.38 99.78 0.22 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,453.77 567.26 1,208.33 1,074.18 1,837.27 1,568.58 1,437.76 1,341.89 993.45 855.80 751.29 719.73 717.85 1,245.32 961.30 1,823.48 2,110.70 1,317.82 1,472.71 383.72 23,842.21

1,453.77 2,021.03 3,229.35 4,303.53 6,140.80 7,709.38 9,147.14 10,489.03 11,482.48 12,338.28 13,089.57 13,809.31 14,527.15 15,772.47 16,733.77 18,557.26 20,667.96 21,985.78 23,458.48 23,842.21

6.10 6.10 2.38 8.48 5.07 13.54 4.51 18.05 7.71 25.76 6.58 32.34 6.03 38.37 5.63 43.99 4.17 48.16 3.59 51.75 3.15 54.90 3.02 57.92 3.01 60.93 5.22 66.15 4.03 70.19 7.65 77.83 8.85 86.69 5.53 92.21 6.18 98.39 1.61 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

3 4 2 0 0 0 6 0 2 0 0 0 0 0 0 2 0 0 12 0 31

3 7 9 9 9 9 15 15 17 17 17 17 17 17 17 19 19 19 31 31

9.68 9.68 12.90 22.58 6.45 29.03 0.00 29.03 0.00 29.03 0.00 29.03 19.35 48.39 0.00 48.39 6.45 54.84 0.00 54.84 0.00 54.84 0.00 54.84 0.00 54.84 0.00 54.84 0.00 54.84 6.45 61.29 0.00 61.29 0.00 61.29 38.71 100.00 0.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 20.86 64.39 144.29 0.00 0.00 0.00 26.12 0.00 109.00 0.00 0.00 0.00 0.00 0.00 0.00 5.56 0.00 0.00 544.25 0.00 914.46

20.86 85.24 229.53 229.53 229.53 229.53 255.65 255.65 364.65 364.65 364.65 364.65 364.65 364.65 364.65 370.21 370.21 370.21 914.46 914.46

2.28 2.28 7.04 9.32 15.78 25.10 0.00 25.10 0.00 25.10 0.00 25.10 2.86 27.96 0.00 27.96 11.92 39.88 0.00 39.88 0.00 39.88 0.00 39.88 0.00 39.88 0.00 39.88 0.00 39.88 0.61 40.48 0.00 40.48 0.00 40.48 59.52 100.00 0.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 1.43 11.35 11.94 0.00 0.00 0.00 1.82 0.00 10.97 0.00 0.00 0.00 0.00 0.00 0.00 0.30 0.00 0.00 36.96 0.00

1.43 4.22 7.11 5.33 3.74 2.98 2.79 2.44 3.18 2.96 2.79 2.64 2.51 2.31 2.18 1.99 1.79 1.68 3.90 3.84

3.84

Page 188 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 17 - KALIMANTAN TIMUR

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

3,707 3,367 5,427 3,540 4,150 2,222 1,573 1,331 689 389 267 301 267 280 195 315 265 154 232 83 28,754

3,707 7,074 12,501 16,041 20,191 22,413 23,986 25,317 26,006 26,395 26,662 26,963 27,230 27,510 27,705 28,020 28,285 28,439 28,671 28,754

12.89 12.89 11.71 24.60 18.87 43.48 12.31 55.79 14.43 70.22 7.73 77.95 5.47 83.42 4.63 88.05 2.40 90.44 1.35 91.80 0.93 92.72 1.05 93.77 0.93 94.70 0.97 95.67 0.68 96.35 1.10 97.45 0.92 98.37 0.54 98.90 0.81 99.71 0.29 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,983.52 777.12 2,096.67 2,211.59 4,441.40 3,621.68 4,731.46 4,182.52 2,709.15 1,678.50 1,433.11 1,995.68 1,634.90 2,203.13 1,546.73 2,972.49 3,461.99 1,800.03 3,955.51 15,296.07 65,733.25

2,983.52 3,760.64 5,857.31 8,068.90 12,510.30 16,131.98 20,863.44 25,045.96 27,755.11 29,433.61 30,866.71 32,862.39 34,497.29 36,700.42 38,247.15 41,219.64 44,681.63 46,481.66 50,437.18 65,733.25

4.54 4.54 1.18 5.72 3.19 8.91 3.36 12.28 6.76 19.03 5.51 24.54 7.20 31.74 6.36 38.10 4.12 42.22 2.55 44.78 2.18 46.96 3.04 49.99 2.49 52.48 3.35 55.83 2.35 58.19 4.52 62.71 5.27 67.97 2.74 70.71 6.02 76.73 23.27 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

6 0 6 2 2 0 0 0 2 0 4 0 0 2 0 0 2 5 11 3 45

6 6 12 14 16 16 16 16 18 18 22 22 22 24 24 24 26 31 42 45

13.33 13.33 0.00 13.33 13.33 26.67 4.44 31.11 4.44 35.56 0.00 35.56 0.00 35.56 0.00 35.56 4.44 40.00 0.00 40.00 8.89 48.89 0.00 48.89 0.00 48.89 4.44 53.33 0.00 53.33 0.00 53.33 4.44 57.78 11.11 68.89 24.44 93.33 6.67 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 245.49 0.00 258.43 16.02 19.12 0.00 0.00 0.00 0.00 0.00 3,352.26 0.00 0.00 340.83 0.00 0.00 7.37 1,930.67 72,726.31 0.00 78,896.49

245.49 245.49 503.91 519.93 539.05 539.05 539.05 539.05 539.05 539.05 3,891.31 3,891.31 3,891.31 4,232.14 4,232.14 4,232.14 4,239.51 6,170.18 78,896.49 78,896.49

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM.

0.31 0.31 8.23 0.00 0.31 0.00 0.33 0.64 12.33 0.02 0.66 0.72 0.02 0.68 0.43 0.00 0.68 0.00 0.00 0.68 0.00 0.00 0.68 0.00 0.00 0.68 0.00 0.00 0.68 0.00 4.25 4.93 233.92 0.00 4.93 0.00 0.00 4.93 0.00 0.43 5.36 15.47 0.00 5.36 0.00 0.00 5.36 0.00 0.01 5.37 0.21 2.45 7.82 107.26 92.18 100.00 1,838,61 0.00 100.00 0.00

8.23 6.53 8.60 6.44 4.31 3.34 2.58 2.15 1.94 1.83 12.61 11.84 11.28 11.53 11.07 10.27 9.49 13.27 156.43 120.03

120.03

Page 189 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 18 - SULAWESI UTARA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,436 1,560 2,873 2,046 2,138 1,129 831 673 429 234 158 180 100 200 87 128 83 23 41 7 14,356

1,436 2,996 5,869 7,915 10,053 11,182 12,013 12,686 13,115 13,349 13,507 13,687 13,787 13,987 14,074 14,202 14,285 14,308 14,349 14,356

10.00 10.00 10.87 20.87 20.01 40.88 14.25 55.13 14.89 70.03 7.86 77.89 5.79 83.68 4.69 88.37 2.99 91.36 1.63 92.99 1.10 94.09 1.25 95.34 0.70 96.04 1.39 97.43 0.61 98.04 0.89 98.93 0.58 99.51 0.16 99.67 0.29 99.95 0.05 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 660.30 305.40 938.90 1,038.59 1,921.88 1,672.40 1,785.61 2,064.51 1,676.97 1,150.57 938.73 1,033.19 711.39 1,970.71 891.30 1,889.78 1,503.83 324.79 382.54 127.08 22,988.44

660.30 965.69 1,904.59 2,943.19 4,865.06 6,537.46 8,323.07 10,387.59 12,064.56 13,215.13 14,153.86 15,187.05 15,898.43 17,869.14 18,760.43 20,650.21 22,154.04 22,478.82 22,861.36 22,988.44

2.87 2.87 1.33 4.20 4.08 8.29 4.52 12.80 8.36 21.16 7.27 28.44 7.77 36.21 8.98 45.19 7.29 52.48 5.01 57.49 4.08 61.57 4.49 66.06 3.09 69.16 8.57 77.73 3.88 81.61 8.22 89.83 6.54 96.37 1.41 97.78 1.66 99.45 0.55 100.00

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

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

0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 33.16 0.00 0.00 0.00 0.00 0.00 0.00 608.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 641.72

0.00 33.16 33.16 33.16 33.16 33.16 33.16 33.16 641.72 641.72 641.72 641.72 641.72 641.72 641.72 641.72 641.72 641.72 641.72 641.72

0.00 5.17 0.00 0.00 0.00 0.00 0.00 0.00 94.83 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 5.17 5.17 5.17 5.17 5.17 5.17 5.17 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 10.86 0.00 0.00 0.00 0.00 0.00 0.00 36.29 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 3.43 1.74 1.13 0.68 0.51 0.40 0.32 5.32 4.86 4.53 4.23 4.04 3.59 3.42 3.11 2.90 2.85 2.81 2.79

2.79

Page 190 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 19 - SULAWESI TENGAH

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,492 1,299 1,641 1,060 1,056 544 432 319 178 97 61 83 54 79 22 42 36 20 7 3 8,525

1,492 2,791 4,432 5,492 6,548 7,092 7,524 7,843 8,021 8,118 8,179 8,262 8,316 8,395 8,417 8,459 8,495 8,515 8,522 8,525

17.50 17.50 15.24 32.74 19.25 51.99 12.43 64.42 12.39 76.81 6.38 83.19 5.07 88.26 3.74 92.00 2.09 94.09 1.14 95.23 0.72 95.94 0.97 96.91 0.63 97.55 0.93 98.48 0.26 98.73 0.49 99.23 0.42 99.65 0.23 99.88 0.08 99.96 0.04 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 294.90 327.76 726.62 848.55 1,447.41 1,252.45 1,414.42 1,427.62 1,079.97 794.19 508.34 716.81 509.95 445.63 357.61 733.58 511.77 295.52 275.40 15.76 13,984.24

294.90 622.65 1,349.27 2,197.82 3,645.23 4,897.68 6,312.10 7,739.72 8,819.69 9,613.87 10,122.21 10,839.02 11,348.97 11,794.61 12,152.21 12,885.79 13,397.56 13,693.08 13,968.47 13,984.24

2.11 2.11 2.34 4.45 5.20 9.65 6.07 15.72 10.35 26.07 8.96 35.02 10.11 45.14 10.21 55.35 7.72 63.07 5.68 68.75 3.64 72.38 5.13 77.51 3.65 81.16 3.19 84.34 2.56 86.90 5.25 92.15 3.66 95.80 2.11 97.92 1.97 99.89 0.11 100.00

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

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 4.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.00 100.00 100.00 4.00 0.00 100.00 4.00 0.00 100.00 4.00 0.00 100.00 4.00 0.00 100.00 4.00 0.00 100.00 4.00 0.00 100.00 4.00 0.00 100.00 4.00 0.00 100.00 4.00 0.00 100.00 4.00 0.00 100.00 4.00 0.00 100.00 4.00 0.00 100.00 4.00 0.00 100.00 4.00 0.00 100.00 4.00 0.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.28 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.11 0.08 0.06 0.05 0.05 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03

0.03

Page 191 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 20 - SULAWESI SELATAN

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

4,219 4,929 7,402 4,340 4,620 2,391 1,449 1,246 718 360 314 338 228 307 185 295 235 107 110 35 33,828

4,219 9,148 16,550 20,890 25,510 27,901 29,350 30,596 31,314 31,674 31,988 32,326 32,554 32,861 33,046 33,341 33,576 33,683 33,793 33,828

12.47 12.47 14.57 27.04 21.88 48.92 12.83 61.75 13.66 75.41 7.07 82.48 4.28 86.76 3.68 90.45 2.12 92.57 1.06 93.63 0.93 94.56 1.00 95.56 0.67 96.23 0.91 97.14 0.55 97.69 0.87 98.56 0.69 99.26 0.32 99.57 0.33 99.90 0.10 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 1,615.78 772.04 2,189.89 (2,634,45) 4,520.35 3,596.44 2,862.78 3,599.02 2,454.30 1,431.64 1,407.49 1,961.53 1,517.70 2,335.43 1,931.91 4,086.62 3,576.29 2,101.06 3,351.72 2,405.20 45,082.73

1,615.78 2,387.82 4,577.72 1,943.27 6,463.62 10,060.06 12,922.84 16,521.86 18,976.16 20,407.80 21,815.29 23,776.81 25,294.51 27,629.94 29,561.85 33,648.47 37,224.75 39,325.81 42,677.53 45,082.73

3.58 3.58 1.71 5.30 4.86 10.15 (5,84) 4.31 10.03 14.34 7.98 22.31 6.35 28.66 7.98 36.65 5.44 42.09 3.18 45.27 3.12 48.39 4.35 52.74 3.37 56.11 5.18 61.29 4.29 65.57 9.06 74.64 7.93 82.57 4.66 87.23 7.43 94.66 5.34 100.00

DATE

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

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

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

0.00 0.00 124.50 0.00 86.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 409.43 0.00 30.00 0.00 0.00 0.00 17.63

0 0 2 2 6 6 6 6 6 6 7 7 7 10 10 14 14 14 14 17

0.00 0.00 0.00 0.00 11.76 11.76 0.00 11.76 23.53 35.29 0.00 35.29 0.00 35.29 0.00 35.29 0.00 35.29 0.00 35.29 5.88 41.18 0.00 41.18 0.00 41.18 17.65 58.82 0.00 58.82 23.53 82.35 0.00 82.35 0.00 82.35 0.00 82.35 17.65 100.00

668.36

0.00 0.00 124.50 124.50 211.30 211.30 211.30 211.30 211.30 211.30 211.30 211.30 211.30 620.74 620.74 650.74 650.74 650.74 650.74 668.36

0.00 0.00 0.00 0.00 18.63 18.63 0.00 18.63 12.99 31.61 0.00 31.61 0.00 31.61 0.00 31.61 0.00 31.61 0.00 31.61 0.00 31.61 0.00 31.61 0.00 31.61 61.26 92.87 0.00 92.87 4.49 97.36 0.00 97.36 0.00 97.36 0.00 97.36 2.64 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 5.69 0.00 1.92 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.53 0.00 0.73 0.00 0.00 0.00 0.73

0.00 0.00 2.72 6.41 3.27 2.10 1.64 1.28 1.11 1.04 0.97 0.89 0.84 2.25 2.10 1.93 1.75 1.65 1.52 1.48

1.48

Page 192 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 21 - SULAWESI TENGGARA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

737 621 914 620 695 413 235 181 98 56 53 69 27 50 11 20 26 3 10 6 4,845

737 1,358 2,272 2,892 3,587 4,000 4,235 4,416 4,514 4,570 4,623 4,692 4,719 4,769 4,780 4,800 4,826 4,829 4,839 4,845

15.21 15.21 12.82 28.03 18.86 46.89 12.80 59.69 14.34 74.04 8.52 82.56 4.85 87.41 3.74 91.15 2.02 93.17 1.16 94.32 1.09 95.42 1.42 96.84 0.56 97.40 1.03 98.43 0.23 98.66 0.41 99.07 0.54 99.61 0.06 99.67 0.21 99.88 0.12 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 278.14 136.57 268.06 384.16 782.09 781.64 587.92 685.15 361.62 257.44 263.07 389.52 257.94 424.49 137.02 228.39 418.83 54.91 103.79 162.05 6,962.82

278.14 414.71 682.77 1,066.93 1,849.01 2,630.65 3,218.57 3,903.72 4,265.35 4,522.79 4,785.86 5,175.38 5,433.32 5,857.82 5,994.84 6,223.23 6,642.06 6,696.97 6,800.77 6,962.82

3.99 3.99 1.96 5.96 3.85 9.81 5.52 15.32 11.23 26.56 11.23 37.78 8.44 46.23 9.84 56.07 5.19 61.26 3.70 64.96 3.78 68.73 5.59 74.33 3.70 78.03 6.10 84.13 1.97 86.10 3.28 89.38 6.02 95.39 0.79 96.18 1.49 97.67 2.33 100.00

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

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

DATE

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 193 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 22 - BALI

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

4,430 2,875 4,294 2,746 3,631 2,320 2,154 1,949 1,391 841 591 753 430 496 370 465 371 132 185 54 30,478

4,430 7,305 11,599 14,345 17,976 20,296 22,450 24,399 25,790 26,631 27,222 27,975 28,405 28,901 29,271 29,736 30,107 30,239 30,424 30,478

14.54 14.54 9.43 23.97 14.09 38.06 9.01 47.07 11.91 58.98 7.61 66.59 7.07 73.66 6.39 80.05 4.56 84.62 2.76 87.38 1.94 89.32 2.47 91.79 1.41 93.20 1.63 94.83 1.21 96.04 1.53 97.57 1.22 98.78 0.43 99.22 0.61 99.82 0.18 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,632.97 484.10 1,352.28 1,325.21 2,938.38 2,804.34 3,408.05 4,419.53 4,231.73 3,026.48 2,611.96 3,778.67 2,590.22 3,622.05 3,418.72 5,932.51 4,771.85 1,806.83 2,899.53 2,818.65 60,874.05

2,632.97 3,117.07 4,469.35 5,794.56 8,732.94 11,537.28 14,945.33 19,364.86 23,596.59 26,623.07 29,235.02 33,013.69 35,603.91 39,225.96 42,644.68 48,577.19 53,349.04 55,155.87 58,055.40 60,874.05

4.33 4.33 0.80 5.12 2.22 7.34 2.18 9.52 4.83 14.35 4.61 18.95 5.60 24.55 7.26 31.81 6.95 38.76 4.97 43.73 4.29 48.03 6.21 54.23 4.26 58.49 5.95 64.44 5.62 70.05 9.75 79.80 7.84 87.64 2.97 90.61 4.76 95.37 4.63 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

16 0 4 0 2 8 4 8 8 14 6 1 5 9 3 0 16 2 12 2 120

16 16 20 20 22 30 34 42 50 64 70 71 76 85 88 88 104 106 118 120

DATE

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

13.33 13.33 1,091.85 1,091.85 0.00 13.33 0.00 1,091.85 3.33 16.67 12.55 1,104.40 0.00 16.67 0.00 1,104.40 1.67 18.33 6.15 1,110.54 6.67 25.00 14.26 1,124.80 3.33 28.33 16.18 1,140.98 6.67 35.00 24.69 1,165.66 6.67 41.67 30.95 1,196.61 11.67 53.33 229.39 1,426.01 5.00 58.33 22.95 1,448.96 0.83 59.17 0.00 1,448.96 4.17 63.33 142.33 1,591.28 7.50 70.83 3,956.13 5,547.42 2.50 73.33 237.35 5,784.77 0.00 73.33 0.00 5,784.77 13.33 86.67 103,268.24 109,053.01 1.67 88.33 1.75 109,054.75 10.00 98.33 150.93 109,205.68 1.67 100.00 0.00 109,205.68 109,205.68

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM.

1.00 1.00 41.47 0.00 1.00 0.00 0.01 1.01 0.93 0.00 1.01 0.00 0.01 1.02 0.21 0.01 1.03 0.51 0.01 1.04 0.47 0.02 1.07 0.56 0.03 1.10 0.73 0.21 1.31 7.58 0.02 1.33 0.88 0.00 1.33 0.00 0.13 1.46 5.49 3.62 5.08 109.22 0.22 5.30 6.94 0.00 5.30 0.00 94.56 99.86 2,164,11 0.00 99.86 0.10 0.14 100.00 5.21 0.00 100.00 0.00

41.47 35.03 24.71 19.06 12.72 9.75 7.63 6.02 5.07 5.36 4.96 4.39 4.47 14.14 13.57 11.91 204.41 197.72 188.11 179.40

179.40

Page 194 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 23 - NUSA TENGGARA BARAT

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,370 1,447 1,860 933 1,041 486 324 313 138 101 76 110 68 69 41 67 51 15 22 7 8,539

1,370 2,817 4,677 5,610 6,651 7,137 7,461 7,774 7,912 8,013 8,089 8,199 8,267 8,336 8,377 8,444 8,495 8,510 8,532 8,539

16.04 16.04 16.95 32.99 21.78 54.77 10.93 65.70 12.19 77.89 5.69 83.58 3.79 87.38 3.67 91.04 1.62 92.66 1.18 93.84 0.89 94.73 1.29 96.02 0.80 96.81 0.81 97.62 0.48 98.10 0.78 98.89 0.60 99.48 0.18 99.66 0.26 99.92 0.08 100.00

PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 299.12 279.58 810.86 723.20 1,044.38 830.75 721.26 825.38 599.49 478.62 336.83 576.43 461.45 511.86 378.31 911.83 535.73 207.26 297.65 421.95 11,251.95

299.12 578.70 1,389.56 2,112.77 3,157.15 3,987.89 4,709.15 5,534.54 6,134.03 6,612.65 6,949.48 7,525.91 7,987.36 8,499.22 8,877.53 9,789.36 10,325.09 10,532.35 10,829.99 11,251.95

2.66 2.66 2.48 5.14 7.21 12.35 6.43 18.78 9.28 28.06 7.38 35.44 6.41 41.85 7.34 49.19 5.33 54.52 4.25 58.77 2.99 61.76 5.12 66.89 4.10 70.99 4.55 75.54 3.36 78.90 8.10 87.00 4.76 91.76 1.84 93.60 2.65 96.25 3.75 100.00

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

2 2 2 2 2 2 2 2 2 2 2 2 6 6 6 9 9 9 11 11

18.18 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 0.00 18.18 36.36 54.55 0.00 54.55 0.00 54.55 27.27 81.82 0.00 81.82 0.00 81.82 18.18 100.00 0.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 42.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19.75 0.00 0.00 368.65 0.00 0.00 176.92 0.00 607.44

42.12 42.12 42.12 42.12 42.12 42.12 42.12 42.12 42.12 42.12 42.12 42.12 61.87 61.87 61.87 430.52 430.52 430.52 607.44 607.44

6.93 6.93 0.00 6.93 0.00 6.93 0.00 6.93 0.00 6.93 0.00 6.93 0.00 6.93 0.00 6.93 0.00 6.93 0.00 6.93 0.00 6.93 0.00 6.93 3.25 10.18 0.00 10.18 0.00 10.18 60.69 70.87 0.00 70.87 0.00 70.87 29.13 100.00 0.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 14.08 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.28 0.00 0.00 40.43 0.00 0.00 59.44 0.00

14.08 7.28 3.03 1.99 1.33 1.06 0.89 0.76 0.69 0.64 0.61 0.56 0.77 0.73 0.70 4.40 4.17 4.09 5.61 5.40

5.40

Page 195 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 24 - NUSA TENGGARA TIMUR

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

694 909 1,277 746 795 518 385 323 170 93 61 60 37 63 22 27 23 8 4 0 6,215

694 1,603 2,880 3,626 4,421 4,939 5,324 5,647 5,817 5,910 5,971 6,031 6,068 6,131 6,153 6,180 6,203 6,211 6,215 6,215

11.17 11.17 14.63 25.79 20.55 46.34 12.00 58.34 12.79 71.13 8.33 79.47 6.19 85.66 5.20 90.86 2.74 93.60 1.50 95.09 0.98 96.07 0.97 97.04 0.60 97.63 1.01 98.65 0.35 99.00 0.43 99.44 0.37 99.81 0.13 99.94 0.06 100.00 0.00 100.00

PROCESSING ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 234.84 234.84 183.74 418.59 472.19 890.77 504.60 1,395.37 1,067.79 2,463.17 981.34 3,444.50 1,073.07 4,517.57 1,229.87 5,747.45 836.27 6,583.71 516.70 7,100.41 379.49 7,479.90 487.39 7,967.29 349.98 8,317.27 652.51 8,969.79 238.39 9,208.18 364.96 9,573.14 367.73 9,940.86 22.53 9,963.39 57.40 10,020.79 0.00 10,020.79 10,020.79

2.34 2.34 1.83 4.18 4.71 8.89 5.04 13.92 10.66 24.58 9.79 34.37 10.71 45.08 12.27 57.36 8.35 65.70 5.16 70.86 3.79 74.64 4.86 79.51 3.49 83.00 6.51 89.51 2.38 91.89 3.64 95.53 3.67 99.20 0.22 99.43 0.57 100.00 0.00 100.00

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

2 100.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2,400.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2,400.56

2,400.56 100.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00 2,400.56 0.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 1,022,19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1,022,19 573.49 269.49 172.04 97.46 69.69 53.14 41.77 36.46 33.81 32.09 30.13 28.86 26.76 26.07 25.08 24.15 24.09 23.96 23.96

23.96

Page 196 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 25 - MALUKU

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

223 374 552 358 366 210 167 154 76 50 43 32 31 29 21 33 20 12 10 2 2,763

223 597 1,149 1,507 1,873 2,083 2,250 2,404 2,480 2,530 2,573 2,605 2,636 2,665 2,686 2,719 2,739 2,751 2,761 2,763

8.07 8.07 13.54 21.61 19.98 41.59 12.96 54.54 13.25 67.79 7.60 75.39 6.04 81.43 5.57 87.01 2.75 89.76 1.81 91.57 1.56 93.12 1.16 94.28 1.12 95.40 1.05 96.45 0.76 97.21 1.19 98.41 0.72 99.13 0.43 99.57 0.36 99.93 0.07 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 243.89 67.97 230.23 263.52 483.09 399.55 482.84 572.47 456.39 281.78 277.52 214.57 241.33 290.56 136.39 500.66 425.06 122.25 206.66 203.93 6,100.68

243.89 311.86 542.09 805.61 1,288.70 1,688.26 2,171.10 2,743.57 3,199.96 3,481.75 3,759.27 3,973.83 4,215.16 4,505.73 4,642.11 5,142.78 5,567.84 5,690.09 5,896.75 6,100.68

4.00 4.00 1.11 5.11 3.77 8.89 4.32 13.21 7.92 21.12 6.55 27.67 7.91 35.59 9.38 44.97 7.48 52.45 4.62 57.07 4.55 61.62 3.52 65.14 3.96 69.09 4.76 73.86 2.24 76.09 8.21 84.30 6.97 91.27 2.00 93.27 3.39 96.66 3.34 100.00

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

0 0 0 0 0 0 0 0 2 2 2 2 2 2 2 2 3 3 3 3

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 66.67 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33.33 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 66.67 66.67 66.67 66.67 66.67 66.67 66.67 66.67 100.00 100.00 100.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.64

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.64 100.00 100.00 4.64 0.00 100.00 4.64 0.00 100.00 4.64 0.00 100.00 4.64 0.00 100.00 4.64 0.00 100.00 4.64 0.00 100.00 4.64 0.00 100.00 4.64 0.00 100.00 4.64 0.00 100.00 4.64 0.00 100.00 4.64 0.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.14 0.13 0.12 0.12 0.11 0.10 0.10 0.09 0.08 0.08 0.08 0.08

0.08

Page 197 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 26 - IRIAN JAYA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING NUMBER OF POLICIES PERCENTAGE F BAND CUM.

702 706 1,311 1,009 1,281 701 529 397 272 132 105 115 87 100 52 56 44 14 28 2 7,643

702 1,408 2,719 3,728 5,009 5,710 6,239 6,636 6,908 7,040 7,145 7,260 7,347 7,447 7,499 7,555 7,599 7,613 7,641 7,643

9.18 9.18 9.24 18.42 17.15 35.58 13.20 48.78 16.76 65.54 9.17 74.71 6.92 81.63 5.19 86.82 3.56 90.38 1.73 92.11 1.37 93.48 1.50 94.99 1.14 96.13 1.31 97.44 0.68 98.12 0.73 98.85 0.58 99.42 0.18 99.61 0.37 99.97 0.03 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 370.45 184.04 540.22 668.65 1,694.53 1,522.64 1,586.90 1,669.29 1,769.43 1,036.00 844.57 1,102.19 1,058.34 1,227.03 797.39 949.58 780.13 396.81 484.40 193.89 18,876.47

370.45 554.50 1,094.71 1,763.36 3,457.89 4,980.53 6,567.43 8,236.72 10,006.15 11,042.14 11,886.71 12,988.90 14,047.24 15,274.27 16,071.66 17,021.23 17,801.37 18,198.18 18,682.58 18,876.47

1.96 1.96 0.97 2.94 2.86 5.80 3.54 9.34 8.98 18.32 8.07 26.38 8.41 34.79 8.84 43.63 9.37 53.01 5.49 58.50 4.47 62.97 5.84 68.81 5.61 74.42 6.50 80.92 4.22 85.14 5.03 90.17 4.13 94.30 2.10 96.41 2.57 98.97 1.03 100.00

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

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

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 0.00 0.00 0.00

0.00 0.00 50.00 50.00 50.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 74.25 0.00 0.00 6.20 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 80.46

0.00 0.00 74.25 74.25 74.25 80.46 80.46 80.46 80.46 80.46 80.46 80.46 80.46 80.46 80.46 80.46 80.46 80.46 80.46 80.46

0.00 0.00 92.29 0.00 0.00 7.71 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 92.29 92.29 92.29 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 13.74 0.00 0.00 0.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 6.78 4.21 2.15 1.62 1.23 0.98 0.80 0.73 0.68 0.62 0.57 0.53 0.50 0.47 0.45 0.44 0.43 0.43

0.43

Page 198 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 27 - MALUKU UTARA

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

102 143 239 152 196 107 98 93 62 34 17 21 19 17 4 3 7 4 2 1 1,321

102 245 484 636 832 939 1,037 1,130 1,192 1,226 1,243 1,264 1,283 1,300 1,304 1,307 1,314 1,318 1,320 1,321

7.72 7.72 10.83 18.55 18.09 36.64 11.51 48.15 14.84 62.98 8.10 71.08 7.42 78.50 7.04 85.54 4.69 90.23 2.57 92.81 1.29 94.10 1.59 95.69 1.44 97.12 1.29 98.41 0.30 98.71 0.23 98.94 0.53 99.47 0.30 99.77 0.15 99.92 0.08 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 55.79 41.17 115.51 122.98 280.11 246.86 341.62 543.50 464.17 294.00 192.69 189.88 156.14 188.81 50.78 142.83 180.48 80.87 38.02 7.27 3,733.47

55.79 96.96 212.47 335.44 615.55 862.41 1,204.03 1,747.53 2,211.70 2,505.70 2,698.39 2,888.27 3,044.41 3,233.21 3,283.99 3,426.83 3,607.31 3,688.18 3,726.20 3,733.47

1.49 1.49 1.10 2.60 3.09 5.69 3.29 8.98 7.50 16.49 6.61 23.10 9.15 32.25 14.56 46.81 12.43 59.24 7.87 67.11 5.16 72.28 5.09 77.36 4.18 81.54 5.06 86.60 1.36 87.96 3.83 91.79 4.83 96.62 2.17 98.79 1.02 99.81 0.19 100.00

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

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 376.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 376.97

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 376.97 100.00 100.00 376.97 0.00 100.00 376.97 0.00 100.00 376.97 0.00 100.00 376.97 0.00 100.00 376.97 0.00 100.00 376.97 0.00 100.00 376.97 0.00 100.00 376.97 0.00 100.00 376.97 0.00 100.00 376.97 0.00 100.00 376.97 0.00 100.00 376.97 0.00 100.00 376.97 0.00 100.00 376.97 0.00 100.00 376.97 0.00 100.00

01/01/2010

15/06/2011

15/10/2011

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 134.58 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 0.00 0.00 61.24 43.71 31.31 21.57 17.04 15.04 13.97 13.05 12.38 11.66 11.48 11.00 10.45 10.22 10.12 10.10

10.10

Page 199 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 28 - IRIAN JAYA BARAT

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

128 255 509 310 351 179 138 99 81 43 32 47 23 18 17 21 8 4 2 0 2,265

128 383 892 1,202 1,553 1,732 1,870 1,969 2,050 2,093 2,125 2,172 2,195 2,213 2,230 2,251 2,259 2,263 2,265 2,265

5.65 5.65 11.26 16.91 22.47 39.38 13.69 53.07 15.50 68.57 7.90 76.47 6.09 82.56 4.37 86.93 3.58 90.51 1.90 92.41 1.41 93.82 2.08 95.89 1.02 96.91 0.79 97.70 0.75 98.45 0.93 99.38 0.35 99.74 0.18 99.91 0.09 100.00 0.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 23.69 44.57 170.13 168.03 358.45 360.00 407.48 383.31 414.20 324.33 225.04 667.87 203.45 184.55 208.67 447.10 31.52 69.10 71.42 0.00 4,762.91

23.69 68.26 238.39 406.42 764.87 1,124.87 1,532.35 1,915.66 2,329.86 2,654.19 2,879.23 3,547.10 3,750.55 3,935.10 4,143.77 4,590.87 4,622.39 4,691.49 4,762.91 4,762.91

0.50 0.50 0.94 1.43 3.57 5.01 3.53 8.53 7.53 16.06 7.56 23.62 8.56 32.17 8.05 40.22 8.70 48.92 6.81 55.73 4.72 60.45 14.02 74.47 4.27 78.74 3.87 82.62 4.38 87.00 9.39 96.39 0.66 97.05 1.45 98.50 1.50 100.00 0.00 100.00

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

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

0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 50.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 27.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 97.73 0.00 0.00 0.00 0.00 0.00 0.00 125.27

0.00 27.54 27.54 27.54 27.54 27.54 27.54 27.54 27.54 27.54 27.54 27.54 27.54 125.27 125.27 125.27 125.27 125.27 125.27 125.27

0.00 21.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 78.02 0.00 0.00 0.00 0.00 0.00 0.00

0.00 21.98 21.98 21.98 21.98 21.98 21.98 21.98 21.98 21.98 21.98 21.98 21.98 100.00 100.00 100.00 100.00 100.00 100.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 61.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 52.96 0.00 0.00 0.00 0.00 0.00 0.00

0.00 40.34 11.55 6.78 3.60 2.45 1.80 1.44 1.18 1.04 0.96 0.78 0.73 3.18 3.02 2.73 2.71 2.67 2.63 2.63

2.63

Page 200 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 29 - BANTEN

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

5,490 4,989 8,931 6,432 7,521 4,006 3,215 2,521 1,397 771 716 851 580 911 627 958 950 442 564 201 52,073

5,490 10,479 19,410 25,842 33,363 37,369 40,584 43,105 44,502 45,273 45,989 46,840 47,420 48,331 48,958 49,916 50,866 51,308 51,872 52,073

10.54 10.54 9.58 20.12 17.15 37.27 12.35 49.63 14.44 64.07 7.69 71.76 6.17 77.94 4.84 82.78 2.68 85.46 1.48 86.94 1.37 88.32 1.63 89.95 1.11 91.06 1.75 92.81 1.20 94.02 1.84 95.86 1.82 97.68 0.85 98.53 1.08 99.61 0.39 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 8,439.96 8,439.96 1,073.97 9,513.93 2,329.63 11,843.57 2,602.09 14,445.66 4,988.83 19,434.49 4,167.19 23,601.69 4,518.45 28,120.13 4,623.84 32,743.98 4,052.76 36,796.74 2,762.45 39,559.18 3,106.55 42,665.73 4,520.29 47,186.02 3,778.87 50,964.89 6,885.97 57,850.86 6,673.75 64,524.61 12,059.82 76,584.43 14,127.08 90,711.51 6,322.44 97,033.96 9,832.29 106,866.25 39,994.70 146,860.95 146,860.95

5.75 5.75 0.73 6.48 1.59 8.06 1.77 9.84 3.40 13.23 2.84 16.07 3.08 19.15 3.15 22.30 2.76 25.06 1.88 26.94 2.12 29.05 3.08 32.13 2.57 34.70 4.69 39.39 4.54 43.94 8.21 52.15 9.62 61.77 4.31 66.07 6.69 72.77 27.23 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM.

43 6 7 12 19 10 0 3 2 8 4 6 4 12 14 27 25 8 11 0 221

43 49 56 68 87 97 97 100 102 110 114 120 124 136 150 177 202 210 221 221

DATE

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

19.46 19.46 19,423.69 19,423.69 2.71 22.17 28.42 19,452.11 3.17 25.34 345.15 19,797.26 5.43 30.77 101.35 19,898.61 8.60 39.37 407.85 20,306.45 4.52 43.89 85.87 20,392.33 0.00 43.89 0.00 20,392.33 1.36 45.25 41.27 20,433.60 0.90 46.15 52.00 20,485.60 3.62 49.77 240.46 20,726.06 1.81 51.58 723.13 21,449.19 2.71 54.30 626.21 22,075.40 1.81 56.11 4,200.15 26,275.55 5.43 61.54 31.65 26,307.20 6.33 67.87 205.63 26,512.83 12.22 80.09 1,918.30 28,431.13 11.31 91.40 3,469.93 31,901.06 3.62 95.02 168.88 32,069.94 4.98 100.00 111.11 32,181.05 0.00 100.00 0.00 32,181.05 32,181.05

60.36 60.36 0.09 60.45 1.07 61.52 0.31 61.83 1.27 63.10 0.27 63.37 0.00 63.37 0.13 63.50 0.16 63.66 0.75 64.40 2.25 66.65 1.95 68.60 13.05 81.65 0.10 81.75 0.64 82.39 5.96 88.35 10.78 99.13 0.52 99.65 0.35 100.00 0.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 230.14 2.65 14.82 3.89 8.18 2.06 0.00 0.89 1.28 8.70 23.28 13.85 111.15 0.46 3.08 15.91 24.56 2.67 1.13 0.00

230.14 204.46 167.16 137.75 104.49 86.40 72.52 62.40 55.67 52.39 50.27 46.78 51.56 45.47 41.09 37.12 35.17 33.05 30.11 21.91

21.91

Page 201 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 30 - BANGKA BELITUNG

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM. 323 321 483 361 422 206 155 115 80 56 27 40 19 39 36 23 31 20 15 13

2,785

323 644 1,127 1,488 1,910 2,116 2,271 2,386 2,466 2,522 2,549 2,589 2,608 2,647 2,683 2,706 2,737 2,757 2,772 2,785

11.60 11.60 11.53 23.12 17.34 40.47 12.96 53.43 15.15 68.58 7.40 75.98 5.57 81.54 4.13 85.67 2.87 88.55 2.01 90.56 0.97 91.53 1.44 92.96 0.68 93.64 1.40 95.04 1.29 96.34 0.83 97.16 1.11 98.28 0.72 98.99 0.54 99.53 0.47 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 161.04 68.86 164.70 193.85 360.32 293.76 377.45 344.97 257.57 191.95 158.05 269.21 159.74 317.08 261.51 190.63 340.31 141.27 101.63 63.05 4,416.98

161.04 229.90 394.60 588.46 948.78 1,242.54 1,620.00 1,964.96 2,222.53 2,414.49 2,572.54 2,841.75 3,001.50 3,318.58 3,580.09 3,770.72 4,111.04 4,252.30 4,353.93 4,416.98

3.65 3.65 1.56 5.20 3.73 8.93 4.39 13.32 8.16 21.48 6.65 28.13 8.55 36.68 7.81 44.49 5.83 50.32 4.35 54.66 3.58 58.24 6.09 64.34 3.62 67.95 7.18 75.13 5.92 81.05 4.32 85.37 7.70 93.07 3.20 96.27 2.30 98.57 1.43 100.00

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

DATE

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 202 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 31 - GORONTALO

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

243 296 514 378 390 200 123 103 62 34 32 27 21 19 12 15 17 8 1 1 2,496

243 539 1,053 1,431 1,821 2,021 2,144 2,247 2,309 2,343 2,375 2,402 2,423 2,442 2,454 2,469 2,486 2,494 2,495 2,496

9.74 9.74 11.86 21.59 20.59 42.19 15.14 57.33 15.63 72.96 8.01 80.97 4.93 85.90 4.13 90.02 2.48 92.51 1.36 93.87 1.28 95.15 1.08 96.23 0.84 97.08 0.76 97.84 0.48 98.32 0.60 98.92 0.68 99.60 0.32 99.92 0.04 99.96 0.04 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 138.14 41.85 176.86 199.95 297.75 316.94 299.01 335.63 314.59 178.02 230.23 245.37 215.04 155.91 163.37 254.10 152.33 61.47 32.33 0.17 3,809.08

138.14 179.99 356.86 556.81 854.56 1,171.50 1,470.51 1,806.14 2,120.73 2,298.75 2,528.98 2,774.35 2,989.39 3,145.30 3,308.68 3,562.78 3,715.11 3,776.57 3,808.91 3,809.08

3.63 3.63 1.10 4.73 4.64 9.37 5.25 14.62 7.82 22.43 8.32 30.76 7.85 38.61 8.81 47.42 8.26 55.68 4.67 60.35 6.04 66.39 6.44 72.84 5.65 78.48 4.09 82.57 4.29 86.86 6.67 93.53 4.00 97.53 1.61 99.15 0.85 100.00 0.00 100.00

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

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

DATE

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

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

Page 203 of 204

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

PROVINCE

: 32 - KEPULAUAN RIAU

BAND

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

SUM INSURED (In Million) From To 0 50 100 200 300 500 750 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 above TOTAL

Mid Points

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

DATA POSITION FROM TO

PROCESSING

NUMBER OF POLICIES PERCENTAGE F BAND CUM.

1,649 1,920 3,631 2,424 2,833 1,318 797 621 340 207 153 168 116 164 73 164 177 65 106 41 16,967

1,649 3,569 7,200 9,624 12,457 13,775 14,572 15,193 15,533 15,740 15,893 16,061 16,177 16,341 16,414 16,578 16,755 16,820 16,926 16,967

9.72 9.72 11.32 21.03 21.40 42.44 14.29 56.72 16.70 73.42 7.77 81.19 4.70 85.88 3.66 89.54 2.00 91.55 1.22 92.77 0.90 93.67 0.99 94.66 0.68 95.34 0.97 96.31 0.43 96.74 0.97 97.71 1.04 98.75 0.38 99.13 0.62 99.76 0.24 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 2,735.62 295.05 936.86 1,421.92 2,880.89 2,035.98 1,715.83 1,695.13 1,175.48 914.64 744.70 940.15 823.99 1,146.80 755.65 2,156.03 2,648.87 959.70 1,369.48 689.66 28,042.42

2,735.62 3,030.67 3,967.53 5,389.45 8,270.33 10,306.32 12,022.14 13,717.27 14,892.75 15,807.38 16,552.08 17,492.23 18,316.23 19,463.03 20,218.67 22,374.71 25,023.58 25,983.28 27,352.75 28,042.42

9.76 9.76 1.05 10.81 3.34 14.15 5.07 19.22 10.27 29.49 7.26 36.75 6.12 42.87 6.04 48.92 4.19 53.11 3.26 56.37 2.66 59.03 3.35 62.38 2.94 65.32 4.09 69.41 2.69 72.10 7.69 79.79 9.45 89.23 3.42 92.66 4.88 97.54 2.46 100.00

CLAIM FREQUENCY PERCENTAGE F BAND CUM. 5 0 2 0 2 0 1 0 0 0 0 0 0 0 4 0 1 0 8 0

5 5 7 7 9 9 10 10 10 10 10 10 10 10 14 14 15 15 23 23

21.74 21.74 0.00 21.74 8.70 30.43 0.00 30.43 8.70 39.13 0.00 39.13 4.35 43.48 0.00 43.48 0.00 43.48 0.00 43.48 0.00 43.48 0.00 43.48 0.00 43.48 0.00 43.48 17.39 60.87 0.00 60.87 4.35 65.22 0.00 65.22 34.78 100.00 0.00 100.00

DATE

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 279.80 0.00 26.79 0.00 8.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 76.67 0.00 0.00 0.00 200.91 0.00 592.67

279.80 279.80 306.59 306.59 315.09 315.09 315.09 315.09 315.09 315.09 315.09 315.09 315.09 315.09 391.76 391.76 391.76 391.76 592.67 592.67

47.21 47.21 0.00 47.21 4.52 51.73 0.00 51.73 1.43 53.16 0.00 53.16 0.00 53.16 0.00 53.16 0.00 53.16 0.00 53.16 0.00 53.16 0.00 53.16 0.00 53.16 0.00 53.16 12.94 66.10 0.00 66.10 0.00 66.10 0.00 66.10 33.90 100.00 0.00 100.00

01/01/2010

15/06/2011

15/10/2011 LOSS RATIO PERCENTAGE BAND CUM. 10.23 0.00 2.86 0.00 0.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.15 0.00 0.00 0.00 14.67 0.00

10.23 9.23 7.73 5.69 3.81 3.06 2.62 2.30 2.12 1.99 1.90 1.80 1.72 1.62 1.94 1.75 1.57 1.51 2.17 2.11

2.11

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 Number of Policy From 2007-2010

1,000,000

950,000

900,000

850,000

800,000

750,000

700,000

650,000

Number of policy

600,000

550,000

UY 2007 UY 2008

500,000

UY 2009 UY 2010

450,000

400,000

350,000 300,000 250,000 200,000 150,000 100,000 50,000 0 20

Occupation code

1 of 10

Growth of Premium From 2007-2010

1,300,000,00

1,200,000,00

1,100,000,00

1,000,000,00 UY 2007

Premium ( in million Rp)

900,000,00

UY 2008 UY 2009

800,000,00

UY 2010

700,000,00

600,000,00

500,000,00

400,000,00

300,000,00

200,000,00

100,000,00

Occupation Code

2 of 10

Growth of Number of Claim From 2007-2010

5,500,00

5,000,00

4,500,00

4,000,00

UY 2007 UY 2008 UY 2009

Number of Claim

3,500,00

UY 2010

3,000,00

2,500,00

2,000,00

1,500,00

1,000,00

500,00

Occupation Code

3 of 10

Growth of Claim From 2007-2010

1,400,000,00

1,200,000,00

1,000,000,00

UY 2007

Claim Incurred ( in million rupiah )

UY 2008 UY 2009 UY 2010

800,000,00

600,000,00

400,000,00

200,000,00

Occupation Code

4 of 10

Growth of Loss Ratio From 2007-2010

4000,0

3500,0

3000,0

% Ratio

2500,0

2000,0 UY 2007 UY 2008 UY 2009 UY 2010

1500,0

1000,0

500,0

,0 20

Occupation Code

5 of 10

Growth of Number of Policy From 2007-2010

225,000

200,000

175,000

150,000 UY 2007 UY 2008

Number of policy

125,000

UY 2009 UY 2010

100,000

75,000

50,000 25,000 0 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 Province code

6 of 10

Growth of Premium From 2007-2010

800,000,00

700,000,00

Premium

( in million Rp)

600,000,00

500,000,00 UY 2007 UY 2008

400,000,00

UY 2009 UY 2010

300,000,00

200,000,00

100,000,00

01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 Province Code 28 29 30 31 32

7 of 10

Growth of Number of Claim From 2007-2010

4,000,00

3,500,00

3,000,00 UY 2007 2,500,00

Number of Claim

UY 2008 UY 2009 2,000,00 UY 2010 1,500,00

1,000,00

500,00

01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 Province Code 25 26 27 28 29

8 of 10

Growth of Claim From 2007-2010

1,200,000,00

1,000,000,00

Claim Incurred ( in million rupiah )

UY 2007 UY 2008

800,000,00

UY 2009 UY 2010 600,000,00

400,000,00

200,000,00

01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 Province Code 28 29 30 31

9 of 10

Growth of Loss Ratio From 2007-2010

700,0

600,0

UY 2007 UY 2008 UY 2009

500,0

UY 2010

% Ratio

400,0

300,0

200,0

100,0

,0 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28

Province Code

10 of 10

RISK AND LOSS PROFILE FOR OCCUPATION CODE :

2465 2742 29371 29395 3160

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

: 2465

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2011

15/10/2011

Garment Factories (Konveksi)

BAND

SUM INSURED (In Million) From To

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

Mid Points

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

634 634 7.76 7.76 25 724 1,358 8.86 16.63 75 150 1,170 2,528 14.33 30.95 250 1,003 3,531 12.28 43.23 400 1,216 4,747 14.89 58.12 731 5,478 8.95 67.07 625 544 6,022 6.66 73.74 875 428 6,450 5.24 78.98 1,250 300 6,750 3.67 82.65 1,750 161 6,911 1.97 84.62 2,250 147 7,058 1.80 86.42 2,750 181 7,239 2.22 88.64 3,500 126 7,365 1.54 90.18 4,500 137 7,502 1.68 91.86 6,250 85 7,587 1.04 92.90 8,750 207 7,794 2.53 95.43 15,000 189 7,983 2.31 97.75 35,000 60 8,043 0.73 98.48 75,000 94 8,137 1.15 99.63 300,000 30 8,167 0.37 100.00 8,167

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

1,307.89 262.20 714.39 934.22 1,765.65 1,479.71 1,461.61 1,555.65 1,317.44 740.26 891.25 1,193.00 916.56 1,125.62 997.01 3,046.51 3,129.55 797.49 1,474.28 1,611.55

18 3 11 6 2 8 14 6 2 2 6 4 7 15 15 21 23 7 27 11

26,721.83

1,307.89 4.89 4.89 1,570.09 0.98 5.88 2,284.48 2.67 8.55 3,218.69 3.50 12.05 4,984.35 6.61 18.65 6,464.06 5.54 24.19 7,925.67 5.47 29.66 9,481.31 5.82 35.48 10,798.75 4.93 40.41 11,539.01 2.77 43.18 12,430.25 3.34 46.52 13,623.26 4.46 50.98 14,539.82 3.43 54.41 15,665.44 4.21 58.62 16,662.45 3.73 62.36 19,708.96 11.40 73.76 22,838.51 11.71 85.47 23,636.00 2.98 88.45 25,110.28 5.52 93.97 26,721.83 6.03 100.00

208

18 8.65 8.65 21 1.44 10.10 32 5.29 15.38 38 2.88 18.27 40 0.96 19.23 48 3.85 23.08 62 6.73 29.81 68 2.88 32.69 70 0.96 33.65 72 0.96 34.62 78 2.88 37.50 82 1.92 39.42 89 3.37 42.79 104 7.21 50.00 119 7.21 57.21 140 10.10 67.31 163 11.06 78.37 170 3.37 81.73 197 12.98 94.71 208 5.29 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 462.47 39.14 303.48 185.72 24.13 126.91 2,391.80 36.63 8.68 2.48 151.70 61.73 42.78 195.81 258.46 790.68 858.87 415.42 271.91 1,176.80 7,805.59

462.47 501.61 805.09 990.81 1,014.94 1,141.84 3,533.65 3,570.27 3,578.95 3,581.43 3,733.14 3,794.87 3,837.66 4,033.46 4,291.92 5,082.60 5,941.46 6,356.88 6,628.80 7,805.59

5.92 5.92 0.50 6.43 3.89 10.31 2.38 12.69 0.31 13.00 1.63 14.63 30.64 45.27 0.47 45.74 0.11 45.85 0.03 45.88 1.94 47.83 0.79 48.62 0.55 49.17 2.51 51.67 3.31 54.99 10.13 65.11 11.00 76.12 5.32 81.44 3.48 84.92 15.08 100.00

35.36 14.93 42.48 19.88 1.37 8.58 163.6 2.35 0.66 0.34 17.02 5.17 4.67 17.40 25.92 25.95 27.44 52.09 18.44 73.02

35.36 31.95 35.24 30.78 20.36 17.66 44.58 37.66 33.14 31.04 30.03 27.86 26.39 25.75 25.76 25.79 26.02 26.89 26.40 29.21

29.21

Page 1 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 2465

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2011

15/10/2011

Garment Factories (Konveksi)

BAND

SUM INSURED (In Million) From To

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

Mid Points

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

709 709 8.43 8.43 25 560 1,269 6.66 15.09 75 150 1,062 2,331 12.63 27.71 953 3,284 11.33 39.04 250 400 1,256 4,540 14.93 53.98 796 5,336 9.46 63.44 625 596 5,932 7.09 70.53 875 497 6,429 5.91 76.44 1,250 324 6,753 3.85 80.29 1,750 201 6,954 2.39 82.68 2,250 171 7,125 2.03 84.71 2,750 184 7,309 2.19 86.90 3,500 121 7,430 1.44 88.34 4,500 172 7,602 2.04 90.38 6,250 110 7,712 1.31 91.69 8,750 262 7,974 3.11 94.80 15,000 213 8,187 2.53 97.34 35,000 79 8,266 0.94 98.28 75,000 116 8,382 1.38 99.66 300,000 29 8,411 0.34 100.00 8,411

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

2,613.08 206.04 1,006.75 891.87 1,814.05 1,553.37 1,573.13 1,695.40 1,411.44 911.21 1,104.97 1,279.01 841.96 1,588.56 1,149.00 3,643.93 4,039.16 1,393.54 3,209.90 235.64

27 4 0 4 8 4 3 1 4 0 6 13 2 10 8 4 23 9 54 14

32,162.02

2,613.08 8.12 8.12 2,819.12 0.64 8.77 3,825.87 3.13 11.90 4,717.74 2.77 14.67 6,531.79 5.64 20.31 8,085.17 4.83 25.14 9,658.30 4.89 30.03 11,353.70 5.27 35.30 12,765.14 4.39 39.69 13,676.35 2.83 42.52 14,781.32 3.44 45.96 16,060.33 3.98 49.94 16,902.29 2.62 52.55 18,490.85 4.94 57.49 19,639.85 3.57 61.07 23,283.78 11.33 72.40 27,322.94 12.56 84.95 28,716.48 4.33 89.29 31,926.38 9.98 99.27 32,162.02 0.73 100.00

198

27 13.64 13.64 31 2.02 15.66 31 0.00 15.66 35 2.02 17.68 43 4.04 21.72 47 2.02 23.74 50 1.52 25.25 51 0.51 25.76 55 2.02 27.78 55 0.00 27.78 61 3.03 30.81 74 6.57 37.37 76 1.01 38.38 86 5.05 43.43 94 4.04 47.47 98 2.02 49.49 121 11.62 61.11 130 4.55 65.66 184 27.27 92.93 198 7.07 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 421.39 93.01 0.00 81.94 505.71 385.07 6.40 0.00 27.25 0.00 478.60 806.79 2.86 400.18 362.33 122.48 24,525.51 65.08 2,076.72 320.05 30,681.38

421.39 1.37 1.37 514.40 0.30 1.68 514.40 0.00 1.68 596.34 0.27 1.94 1,102.05 1.65 3.59 1,487.12 1.26 4.85 1,493.52 0.02 4.87 1,493.52 0.00 4.87 1,520.77 0.09 4.96 1,520.77 0.00 4.96 1,999.37 1.56 6.52 2,806.16 2.63 9.15 2,809.02 0.01 9.16 3,209.21 1.30 10.46 3,571.54 1.18 11.64 3,694.02 0.40 12.04 28,219.53 79.94 91.98 28,284.61 0.21 92.19 30,361.33 6.77 98.96 30,681.38 1.04 100.00

16.13 45.14 0.00 9.19 27.88 24.79 0.41 0.00 1.93 0.00 43.31 63.08 0.34 25.19 31.53 3.36 607.1 4.67 64.70 135.8

16.13 18.25 13.45 12.64 16.87 18.39 15.46 13.15 11.91 11.12 13.53 17.47 16.62 17.36 18.19 15.87 103.2 98.50 95.10 95.40

95.40

Page 2 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 2465

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

Garment Factories (Konveksi)

BAND

SUM INSURED (In Million) From To

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

Mid Points

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

847 847 9.02 9.02 25 527 1,374 5.61 14.63 75 150 1,205 2,579 12.83 27.46 945 3,524 10.06 37.52 250 400 1,306 4,830 13.90 51.42 864 5,694 9.20 60.62 625 672 6,366 7.15 67.77 875 589 6,955 6.27 74.04 1,250 393 7,348 4.18 78.23 1,750 243 7,591 2.59 80.82 2,250 210 7,801 2.24 83.05 2,750 204 8,005 2.17 85.22 3,500 155 8,160 1.65 86.87 4,500 219 8,379 2.33 89.20 6,250 120 8,499 1.28 90.48 8,750 279 8,778 2.97 93.45 15,000 265 9,043 2.82 96.27 35,000 146 9,189 1.55 97.83 75,000 143 9,332 1.52 99.35 300,000 61 9,393 0.65 100.00 9,393

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

1,916.13 207.50 714.93 858.93 1,843.63 1,584.32 1,690.73 1,865.34 1,619.24 1,025.47 1,127.07 1,367.53 1,075.39 1,688.99 1,265.23 3,670.53 4,025.66 2,038.30 1,959.58 609.09

30 3 9 8 16 12 7 7 3 8 0 5 7 2 0 12 4 8 23 23

32,153.60

1,916.13 5.96 5.96 2,123.63 0.65 6.60 2,838.55 2.22 8.83 3,697.49 2.67 11.50 5,541.12 5.73 17.23 7,125.44 4.93 22.16 8,816.17 5.26 27.42 10,681.51 5.80 33.22 12,300.75 5.04 38.26 13,326.22 3.19 41.45 14,453.29 3.51 44.95 15,820.82 4.25 49.20 16,896.21 3.34 52.55 18,585.20 5.25 57.80 19,850.44 3.93 61.74 23,520.97 11.42 73.15 27,546.63 12.52 85.67 29,584.93 6.34 92.01 31,544.51 6.09 98.11 32,153.60 1.89 100.00

187

30 16.04 16.04 33 1.60 17.65 42 4.81 22.46 50 4.28 26.74 66 8.56 35.29 78 6.42 41.71 85 3.74 45.45 92 3.74 49.20 95 1.60 50.80 103 4.28 55.08 103 0.00 55.08 108 2.67 57.75 115 3.74 61.50 117 1.07 62.57 117 0.00 62.57 129 6.42 68.98 133 2.14 71.12 141 4.28 75.40 164 12.30 87.70 187 12.30 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 1,439.34 23.53 437.48 157.53 1,771.36 957.04 771.92 29.21 543.81 313.54 0.00 24.16 23.73 216.33 0.00 1,255.26 38.10 66.11 12,117.68 2,140.03 22,326.17

1,439.34 6.45 6.45 1,462.87 0.11 6.55 1,900.36 1.96 8.51 2,057.89 0.71 9.22 3,829.25 7.93 17.15 4,786.30 4.29 21.44 5,558.22 3.46 24.90 5,587.43 0.13 25.03 6,131.24 2.44 27.46 6,444.78 1.40 28.87 6,444.78 0.00 28.87 6,468.94 0.11 28.97 6,492.67 0.11 29.08 6,709.00 0.97 30.05 6,709.00 0.00 30.05 7,964.25 5.62 35.67 8,002.35 0.17 35.84 8,068.46 0.30 36.14 20,186.14 54.28 90.41 22,326.17 9.59 100.00

75.12 11.34 61.19 18.34 96.08 60.41 45.66 1.57 33.58 30.57 0.00 1.77 2.21 12.81 0.00 34.20 0.95 3.24 618.3 351.3

75.12 68.89 66.95 55.66 69.11 67.17 63.05 52.31 49.84 48.36 44.59 40.89 38.43 36.10 33.80 33.86 29.05 27.27 63.99 69.44

69.44

Page 3 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 2465

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

Garment Factories (Konveksi)

BAND

SUM INSURED (In Million) From To

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

Mid Points

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

804 804 8.16 8.16 25 498 1,302 5.05 13.21 75 150 1,096 2,398 11.12 24.33 980 3,378 9.94 34.28 250 400 1,470 4,848 14.92 49.19 937 5,785 9.51 58.70 625 758 6,543 7.69 66.39 875 697 7,240 7.07 73.47 1,250 391 7,631 3.97 77.43 1,750 231 7,862 2.34 79.78 2,250 227 8,089 2.30 82.08 2,750 219 8,308 2.22 84.30 3,500 197 8,505 2.00 86.30 4,500 230 8,735 2.33 88.64 6,250 153 8,888 1.55 90.19 8,750 306 9,194 3.11 93.29 15,000 267 9,461 2.71 96.00 35,000 184 9,645 1.87 97.87 75,000 156 9,801 1.58 99.45 300,000 54 9,855 0.55 100.00 9,855

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

1,975.48 223.67 657.98 902.27 2,089.57 1,816.83 1,892.07 2,180.80 1,631.76 1,192.93 1,148.14 1,501.44 1,261.25 1,906.50 1,479.49 3,821.96 3,680.93 2,243.97 3,098.67 10,009.80

9 0 0 0 0 5 0 3 2 0 2 0 0 0 2 2 10 0 2 0

44,715.49

1,975.48 4.42 4.42 2,199.15 0.50 4.92 2,857.13 1.47 6.39 3,759.40 2.02 8.41 5,848.97 4.67 13.08 7,665.80 4.06 17.14 9,557.87 4.23 21.37 11,738.67 4.88 26.25 13,370.43 3.65 29.90 14,563.35 2.67 32.57 15,711.49 2.57 35.14 17,212.93 3.36 38.49 18,474.18 2.82 41.31 20,380.68 4.26 45.58 21,860.17 3.31 48.89 25,682.13 8.55 57.43 29,363.06 8.23 65.67 31,607.03 5.02 70.68 34,705.70 6.93 77.61 44,715.49 22.39 100.00

9 24.32 24.32 9 0.00 24.32 9 0.00 24.32 9 0.00 24.32 9 0.00 24.32 14 13.51 37.84 14 0.00 37.84 17 8.11 45.95 19 5.41 51.35 19 0.00 51.35 21 5.41 56.76 21 0.00 56.76 21 0.00 56.76 21 0.00 56.76 23 5.41 62.16 25 5.41 67.57 35 27.03 94.59 35 0.00 94.59 37 5.41 100.00 37 0.00 100.00

CLAIM SEVERITY ( In Million Rp) LOSS RATIO PERCENTAGE PERCENTAGE rp RP BAND CUM. BAND CUM. 2,083.60 0.00 0.00 0.00 0.00 398.46 0.00 1,003.97 30.88 0.00 4.51 0.00 0.00 0.00 21.89 22.53 1,711.62 0.00 22.25 0.00 5,299.69

2,083.60 39.32 39.32 2,083.60 0.00 39.32 2,083.60 0.00 39.32 2,083.60 0.00 39.32 2,083.60 0.00 39.32 2,482.05 7.52 46.83 2,482.05 0.00 46.83 3,486.03 18.94 65.78 3,516.90 0.58 66.36 3,516.90 0.00 66.36 3,521.41 0.09 66.45 3,521.41 0.00 66.45 3,521.41 0.00 66.45 3,521.41 0.00 66.45 3,543.30 0.41 66.86 3,565.83 0.43 67.28 5,277.45 32.30 99.58 5,277.45 0.00 99.58 5,299.69 0.42 100.00 5,299.69 0.00 100.00

105.4 0.00 0.00 0.00 0.00 21.93 0.00 46.04 1.89 0.00 0.39 0.00 0.00 0.00 1.48 0.59 46.50 0.00 0.72 0.00

105.4 94.75 72.93 55.42 35.62 32.38 25.97 29.70 26.30 24.15 22.41 20.46 19.06 17.28 16.21 13.88 17.97 16.70 15.27 11.85

11.85

Page 4 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 2742

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2011

15/10/2011

Edible oils plants and other plants producing edible palmoil or other edible oils or desiccated coconut (Penyulingan minyak yang dapat dimakan dan semua pabrik yang memproduksi minyak sawit atau minyak yang dapat dimakan lainnya)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

106 16 13 15 21 21 11 23 16 15 8 23 14 29 23 58 105 105 42 7

471.40 51.37 12.65 38.64 103.68 95.10 27.96 35.80 63.92 53.24 40.50 194.63 106.28 226.34 290.41 770.02 1,794.14 1,749.29 629.56 421.29

40 2 0 0 0 0 2 0 0 0 0 2 5 8 2 8 24 25 16 0

671

106 15.80 15.80 122 2.38 18.18 135 1.94 20.12 150 2.24 22.35 171 3.13 25.48 192 3.13 28.61 203 1.64 30.25 226 3.43 33.68 242 2.38 36.07 257 2.24 38.30 265 1.19 39.49 288 3.43 42.92 302 2.09 45.01 331 4.32 49.33 354 3.43 52.76 412 8.64 61.40 517 15.65 77.05 622 15.65 92.70 664 6.26 98.96 671 1.04 100.00

7,176.22

471.40 6.57 6.57 522.77 0.72 7.28 535.42 0.18 7.46 574.06 0.54 8.00 677.74 1.44 9.44 772.84 1.33 10.77 800.80 0.39 11.16 836.61 0.50 11.66 900.52 0.89 12.55 953.76 0.74 13.29 994.26 0.56 13.85 1,188.89 2.71 16.57 1,295.18 1.48 18.05 1,521.51 3.15 21.20 1,811.93 4.05 25.25 2,581.94 10.73 35.98 4,376.08 25.00 60.98 6,125.37 24.38 85.36 6,754.93 8.77 94.13 7,176.22 5.87 100.00

134

40 42 42 42 42 42 44 44 44 44 44 46 51 59 61 69 93 118 134 134

29.85 29.85 1.49 31.34 0.00 31.34 0.00 31.34 0.00 31.34 0.00 31.34 1.49 32.84 0.00 32.84 0.00 32.84 0.00 32.84 0.00 32.84 1.49 34.33 3.73 38.06 5.97 44.03 1.49 45.52 5.97 51.49 17.91 69.40 18.66 88.06 11.94 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 3,227.04 271.64 0.00 0.00 0.00 0.00 17.64 0.00 0.00 0.00 0.00 53.36 273.43 880.37 64.90 204.56 356.18 1,226.00 850.70 0.00 7,425.83

3,227.04 3,498.68 3,498.68 3,498.68 3,498.68 3,498.68 3,516.32 3,516.32 3,516.32 3,516.32 3,516.32 3,569.68 3,843.11 4,723.48 4,788.39 4,992.95 5,349.13 6,575.13 7,425.83 7,425.83

43.46 43.46 3.66 47.11 0.00 47.11 0.00 47.11 0.00 47.11 0.00 47.11 0.24 47.35 0.00 47.35 0.00 47.35 0.00 47.35 0.00 47.35 0.72 48.07 3.68 51.75 11.86 63.61 0.87 64.48 2.75 67.24 4.80 72.03 16.51 88.54 11.46 100.00 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 684.56 528.76 0.00 0.00 0.00 0.00 63.09 0.00 0.00 0.00 0.00 27.42 257.27 388.97 22.35 26.57 19.85 70.09 135.13 0.00

684.56 669.25 653.44 609.46 516.23 452.70 439.10 420.31 390.48 368.68 353.66 300.25 296.72 310.45 264.27 193.38 122.24 107.34 109.93 103.48

103.48

Page 5 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 2742

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/12/2011

15/10/2011

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

289 11 12 11 27 22 12 24 20 179 25 19 36 69 53 132 269 219 251 70

1,450.11 4.07 8.46 16.09 64.35 123.32 36.39 83.84 96.58 100.30 44.48 149.91 167.21 179.69 425.34 886.33 2,251.88 2,717.21 1,541.92 213.73

87 0 0 0 0 2 0 0 0 5 0 3 0 0 15 15 90 30 55 20

1,750

289 300 312 323 350 372 384 408 428 607 632 651 687 756 809 941 1,210 1,429 1,680 1,750

16.51 16.51 0.63 17.14 0.69 17.83 0.63 18.46 1.54 20.00 1.26 21.26 0.69 21.94 1.37 23.31 1.14 24.46 10.23 34.69 1.43 36.11 1.09 37.20 2.06 39.26 3.94 43.20 3.03 46.23 7.54 53.77 15.37 69.14 12.51 81.66 14.34 96.00 4.00 100.00

10,561.20

1,450.11 1,454.17 1,462.63 1,478.72 1,543.07 1,666.39 1,702.78 1,786.61 1,883.19 1,983.49 2,027.97 2,177.88 2,345.09 2,524.79 2,950.13 3,836.46 6,088.34 8,805.55 10,347.46 10,561.20

13.73 13.73 0.04 13.77 0.08 13.85 0.15 14.00 0.61 14.61 1.17 15.78 0.34 16.12 0.79 16.92 0.91 17.83 0.95 18.78 0.42 19.20 1.42 20.62 1.58 22.20 1.70 23.91 4.03 27.93 8.39 36.33 21.32 57.65 25.73 83.38 14.60 97.98 2.02 100.00

322

87 27.02 27.02 87 0.00 27.02 87 0.00 27.02 87 0.00 27.02 87 0.00 27.02 89 0.62 27.64 89 0.00 27.64 89 0.00 27.64 89 0.00 27.64 94 1.55 29.19 94 0.00 29.19 97 0.93 30.12 97 0.00 30.12 97 0.00 30.12 112 4.66 34.78 127 4.66 39.44 217 27.95 67.39 247 9.32 76.71 302 17.08 93.79 322 6.21 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 17,520.87 0.00 0.00 0.00 0.00 6.85 0.00 0.00 0.00 248.33 0.00 1,450.35 0.00 0.00 2,420.58 257.50 2,550.09 3,750.43 1,180.33 931.61 30,316.94

17,520.87 57.79 57.79 17,520.87 0.00 57.79 17,520.87 0.00 57.79 17,520.87 0.00 57.79 17,520.87 0.00 57.79 17,527.72 0.02 57.81 17,527.72 0.00 57.81 17,527.72 0.00 57.81 17,527.72 0.00 57.81 17,776.05 0.82 58.63 17,776.05 0.00 58.63 19,226.40 4.78 63.42 19,226.40 0.00 63.42 19,226.40 0.00 63.42 21,646.97 7.98 71.40 21,904.48 0.85 72.25 24,454.57 8.41 80.66 28,205.00 12.37 93.03 29,385.33 3.89 96.93 30,316.94 3.07 100.00

LOSS RATIO PERCENTAGE BAND CUM. 1208.25 0.00 0.00 0.00 0.00 5.55 0.00 0.00 0.00 247.58 0.00 967.45 0.00 0.00 569.10 29.05 113.24 138.03 76.55 435.87

1208.25 1204.87 1197.90 1184.87 1135.45 1051.84 1029.36 981.06 930.75 896.20 876.55 882.80 819.86 761.50 733.76 570.96 401.66 320.31 283.99 287.06

287.06

Page 6 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 2742

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

208 14 19 7 25 32 19 28 19 22 13 62 41 145 66 186 520 420 276 122

1,008.96 3.09 9.46 4.92 37.79 29.24 57.77 71.79 84.16 59.50 65.15 220.11 207.25 388.19 379.94 884.38 1,982.11 2,520.55 1,187.30 134.57

18 0 0 0 0 1 0 0 0 0 2 0 1 19 12 4 27 15 27 2

2,244

208 9.27 9.27 222 0.62 9.89 241 0.85 10.74 248 0.31 11.05 273 1.11 12.17 305 1.43 13.59 324 0.85 14.44 352 1.25 15.69 371 0.85 16.53 393 0.98 17.51 406 0.58 18.09 468 2.76 20.86 509 1.83 22.68 654 6.46 29.14 720 2.94 32.09 906 8.29 40.37 1,426 23.17 63.55 1,846 18.72 82.26 2,122 12.30 94.56 2,244 5.44 100.00

9,336.23

1,008.96 1,012.05 1,021.50 1,026.43 1,064.22 1,093.46 1,151.23 1,223.02 1,307.18 1,366.68 1,431.83 1,651.94 1,859.18 2,247.37 2,627.32 3,511.70 5,493.81 8,014.36 9,201.66 9,336.23

10.81 10.81 0.03 10.84 0.10 10.94 0.05 10.99 0.40 11.40 0.31 11.71 0.62 12.33 0.77 13.10 0.90 14.00 0.64 14.64 0.70 15.34 2.36 17.69 2.22 19.91 4.16 24.07 4.07 28.14 9.47 37.61 21.23 58.84 27.00 85.84 12.72 98.56 1.44 100.00

128

18 18 18 18 18 19 19 19 19 19 21 21 22 41 53 57 84 99 126 128

14.06 14.06 0.00 14.06 0.00 14.06 0.00 14.06 0.00 14.06 0.78 14.84 0.00 14.84 0.00 14.84 0.00 14.84 0.00 14.84 1.56 16.41 0.00 16.41 0.78 17.19 14.84 32.03 9.38 41.41 3.13 44.53 21.09 65.63 11.72 77.34 21.09 98.44 1.56 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

343.78 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 41.00 0.00 0.00 85.58 695.17 87.38 140.34 1,662.77 713.79 0.00

343.78 9.12 9.12 34.07 343.78 0.00 9.12 0.00 343.78 0.00 9.12 0.00 343.78 0.00 9.12 0.00 343.78 0.00 9.12 0.00 343.78 0.00 9.12 0.00 343.78 0.00 9.12 0.00 343.78 0.00 9.12 0.00 343.78 0.00 9.12 0.00 343.78 0.00 9.12 0.00 384.78 1.09 10.21 62.94 384.78 0.00 10.21 0.00 384.78 0.00 10.21 0.00 470.36 2.27 12.48 22.05 1,165.53 18.44 30.92 182.97 1,252.91 2.32 33.24 9.88 1,393.25 3.72 36.96 7.08 3,056.01 44.11 81.07 65.97 3,769.80 18.93 100.00 60.12 3,769.80 0.00 100.00 0.00

3,769.80

40.38

34.07 33.97 33.65 33.49 32.30 31.44 29.86 28.11 26.30 25.15 26.87 23.29 20.70 20.93 44.36 35.68 25.36 38.13 40.97 40.38

Page 7 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 2742

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM.

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

198 45 43 23 37 27 17 28 250 23 24 72 58 92 104 208 363 309 298 67

580.73 5.44 16.06 32.25 24.48 33.71 38.43 74.47 289.82 124.40 80.03 174.52 237.88 359.83 601.97 1,838.98 2,873.43 3,589.28 2,192.96 669.23

2,286

198 243 286 309 346 373 390 418 668 691 715 787 845 937 1,041 1,249 1,612 1,921 2,219 2,286

8.66 8.66 1.97 10.63 1.88 12.51 1.01 13.52 1.62 15.14 1.18 16.32 0.74 17.06 1.22 18.29 10.94 29.22 1.01 30.23 1.05 31.28 3.15 34.43 2.54 36.96 4.02 40.99 4.55 45.54 9.10 54.64 15.88 70.52 13.52 84.03 13.04 97.07 2.93 100.00

13,837.89

580.73 586.17 602.23 634.47 658.96 692.67 731.10 805.57 1,095.39 1,219.79 1,299.82 1,474.34 1,712.22 2,072.05 2,674.02 4,513.00 7,386.43 10,975.71 13,168.66 13,837.89

4.20 4.20 0.04 4.24 0.12 4.35 0.23 4.59 0.18 4.76 0.24 5.01 0.28 5.28 0.54 5.82 2.09 7.92 0.90 8.81 0.58 9.39 1.26 10.65 1.72 12.37 2.60 14.97 4.35 19.32 13.29 32.61 20.76 53.38 25.94 79.32 15.85 95.16 4.84 100.00

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

4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 6 8 9 10 10

40.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 0.00 40.00 20.00 60.00 20.00 80.00 10.00 90.00 10.00 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2.50 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 5.31 34.77 0.00 0.00 0.00 42,57

2.50 5.87 5.87 2.50 0.00 5.87 2.50 0.00 5.87 2.50 0.00 5.87 2.50 0.00 5.87 2.50 0.00 5.87 2.50 0.00 5.87 2.50 0.00 5.87 2.50 0.00 5.87 2.50 0.00 5.87 2.50 0.00 5.87 2.50 0.00 5.87 2.50 0.00 5.87 2.50 0.00 5.87 2.50 0.00 5.87 7.80 12.46 18.33 42.57 81.67 100.00 42.57 0.00 100.00 42.57 0.00 100.00 42.57 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.29 1.21 0.00 0.00 0.00

0.43 0.43 0.42 0.39 0.38 0.36 0.34 0.31 0.23 0.20 0.19 0.17 0.15 0.12 0.09 0.17 0.58 0.39 0.32 0.31

0.31

Page 8 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 29371

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2011

15/10/2011

Private Warehouse and Storehouse - Subject to Warranty A (Gudang Pribadi)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 9,453 6,833 9,377 7,326 9,807 6,031 5,210 4,669 2,932 1,623 1,432 1,672 1,139 1,270 797 1,081 615 192 160 22 71,64

9,453 16,28 25,66 32,98 42,79 48,82 54,03 58,70 61,63 63,26 64,69 66,36 67,50 68,77 69,57 70,65 71,26 71,45 71,61 71,64

13.19 13.19 9.54 22.73 13.09 35.82 10.23 46.05 13.69 59.74 8.42 68.16 7.27 75.43 6.52 81.94 4.09 86.04 2.27 88.30 2.00 90.30 2.33 92.64 1.59 94.23 1.77 96.00 1.11 97.11 1.51 98.62 0.86 99.48 0.27 99.75 0.22 99.97 0.03 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 15,740.16 1,768.05 4,355.45 4,957.95 10,199.36 8,485.40 10,019.81 11,529.90 9,542.44 6,507.89 6,568.00 9,534.05 7,069.70 9,964.13 7,430.03 13,647.81 9,357.95 3,773.15 3,039.62 657.46 154,148.33

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

15,740.16 10.21 10.21 192 192 15.83 15.83 17,508.21 1.15 11.36 35 227 2.89 18.71 21,863.66 2.83 14.18 50 277 4.12 22.84 26,821.61 3.22 17.40 50 327 4.12 26.96 37,020.97 6.62 24.02 80 407 6.60 33.55 45,506.37 5.50 29.52 71 478 5.85 39.41 55,526.19 6.50 36.02 97 575 8.00 47.40 67,056.08 7.48 43.50 64 639 5.28 52.68 76,598.52 6.19 49.69 53 692 4.37 57.05 83,106.40 4.22 53.91 46 738 3.79 60.84 89,674.41 4.26 58.17 57 795 4.70 65.54 99,208.46 6.18 64.36 75 870 6.18 71.72 106,278.16 4.59 68.95 90 960 7.42 79.14 116,242.30 6.46 75.41 70 1,03 5.77 84.91 123,672.33 4.82 80.23 40 1,07 3.30 88.21 137,320.14 8.85 89.08 49 1,11 4.04 92.25 146,678.09 6.07 95.15 33 1,15 2.72 94.97 150,451.25 2.45 97.60 27 1,17 2.23 97.20 153,490.87 1.97 99.57 24 1,20 1.98 99.18 154,148.33 0.43 100.00 10 1,21 0.82 100.00 1,21

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 18,515.82 722.04 952.42 2,368.92 3,821.02 3,091.27 9,143.57 4,838.78 3,032.22 4,326.89 5,890.12 5,622.05 6,788.49 10,790.85 3,315.53 29,611.97 4,588.88 113,895.44 2,873.95 1,895.06 236,085.29

18,515.82 7.84 7.84 19,237.86 0.31 8.15 20,190.28 0.40 8.55 22,559.20 1.00 9.56 26,380.22 1.62 11.17 29,471.48 1.31 12.48 38,615.05 3.87 16.36 43,453.83 2.05 18.41 46,486.06 1.28 19.69 50,812.94 1.83 21.52 56,703.07 2.49 24.02 62,325.12 2.38 26.40 69,113.61 2.88 29.27 79,904.46 4.57 33.85 83,219.99 1.40 35.25 112,831.96 12.54 47.79 117,420.84 1.94 49.74 231,316.28 48.24 97.98 234,190.23 1.22 99.20 236,085.29 0.80 100.00

LOSS RATIO PERCENTAGE BAND CUM. 117.63 40.84 21.87 47.78 37.46 36.43 91.25 41.97 31.78 66.49 89.68 58.97 96.02 108.30 44.62 216.97 49.04 3018.57 94.55 288.24

117.63 109.88 92.35 84.11 71.26 64.76 69.54 64.80 60.69 61.14 63.23 62.82 65.03 68.74 67.29 82.17 80.05 153.75 152.58 153.15

153.15

Page 9 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 29371

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2011

15/10/2011

Private Warehouse and Storehouse - Subject to Warranty A (Gudang Pribadi)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 10,21 6,776 9,107 7,334 10,47 6,747 5,916 5,542 3,542 2,111 1,735 2,137 1,412 1,685 1,065 1,508 945 250 273 49 78,82

10,21 12.95 12.95 16,98 8.60 21.55 26,09 11.55 33.10 33,42 9.30 42.41 43,90 13.29 55.70 50,65 8.56 64.26 56,56 7.51 71.77 62,11 7.03 78.80 65,65 4.49 83.29 67,76 2.68 85.97 69,49 2.20 88.17 71,63 2.71 90.88 73,04 1.79 92.67 74,73 2.14 94.81 75,79 1.35 96.16 77,30 1.91 98.08 78,25 1.20 99.27 78,50 0.32 99.59 78,77 0.35 99.94 78,82 0.06 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 11,797.58 2,028.19 3,982.12 4,759.45 10,393.62 8,996.11 10,689.36 13,105.05 10,933.94 7,970.32 7,654.62 10,330.19 8,543.66 12,676.41 9,139.77 18,526.13 11,921.35 3,396.29 5,031.21 978.85 172,854.21

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

11,797.58 6.83 6.83 154 154 13.74 13.74 13,825.76 1.17 8.00 22 176 1.96 15.70 17,807.89 2.30 10.30 40 216 3.57 19.27 22,567.33 2.75 13.06 55 271 4.91 24.17 32,960.96 6.01 19.07 92 363 8.21 32.38 41,957.06 5.20 24.27 56 419 5.00 37.38 52,646.42 6.18 30.46 65 484 5.80 43.18 65,751.47 7.58 38.04 88 572 7.85 51.03 76,685.41 6.33 44.36 65 637 5.80 56.82 84,655.73 4.61 48.98 43 680 3.84 60.66 92,310.35 4.43 53.40 39 719 3.48 64.14 102,640.55 5.98 59.38 37 756 3.30 67.44 111,184.21 4.94 64.32 19 775 1.69 69.13 123,860.61 7.33 71.66 36 811 3.21 72.35 133,000.38 5.29 76.94 31 842 2.77 75.11 151,526.52 10.72 87.66 61 903 5.44 80.55 163,447.86 6.90 94.56 147 1,05 13.11 93.67 166,844.15 1.96 96.52 19 1,06 1.69 95.36 171,875.36 2.91 99.43 48 1,11 4.28 99.64 172,854.21 0.57 100.00 4 1,12 0.36 100.00 1,12

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

LOSS RATIO PERCENTAGE BAND CUM.

11,691.73 204.08 906.86 2,482.64 3,527.83 2,334.37 3,093.30 6,518.53 11,296.62 4,053.92 1,321.08 5,007.82 1,151.18 4,062.06 3,653.10 33,984.38 3,621.06 9,282.94 883.91 169.50

11,691.73 10.70 10.70 99.10 11,895.82 0.19 10.89 10.06 12,802.68 0.83 11.72 22.77 15,285.32 2.27 13.99 52.16 18,813.15 3.23 17.22 33.94 21,147.52 2.14 19.36 25.95 24,240.82 2.83 22.19 28.94 30,759.35 5.97 28.16 49.74 42,055.97 10.34 38.50 103.32 46,109.89 3.71 42.21 50.86 47,430.97 1.21 43.42 17.26 52,438.79 4.58 48.00 48.48 53,589.97 1.05 49.05 13.47 57,652.03 3.72 52.77 32.04 61,305.12 3.34 56.12 39.97 95,289.51 31.11 87.22 183.44 98,910.56 3.31 90.54 30.37 108,193.50 8.50 99.04 273.33 109,077.41 0.81 99.84 17.57 109,246.92 0.16 100.00 17.32

109,246.92

63.20

99.10 86.04 71.89 67.73 57.08 50.40 46.04 46.78 54.84 54.47 51.38 51.09 48.20 46.55 46.09 62.89 60.52 64.85 63.46 63.20

Page 10 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 29371

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

Private Warehouse and Storehouse - Subject to Warranty A (Gudang Pribadi)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 11,31 7,324 10,14 7,897 11,96 8,184 7,013 6,739 4,376 2,656 2,165 2,495 1,834 2,307 1,489 2,025 1,315 394 360 105 92,10

11,31 12.29 12.29 18,63 7.95 20.24 28,78 11.02 31.25 36,68 8.57 39.83 48,64 12.99 52.82 56,83 8.89 61.70 63,84 7.61 69.32 70,58 7.32 76.63 74,95 4.75 81.39 77,61 2.88 84.27 79,78 2.35 86.62 82,27 2.71 89.33 84,10 1.99 91.32 86,41 2.50 93.82 87,90 1.62 95.44 89,93 2.20 97.64 91,24 1.43 99.07 91,63 0.43 99.50 91,99 0.39 99.89 92,10 0.11 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 14,676.86 1,954.06 4,249.30 4,940.32 11,038.71 10,159.05 12,502.56 15,109.59 13,158.45 10,248.09 9,645.21 11,748.07 10,715.97 15,377.56 11,503.01 18,221.13 12,748.79 2,817.14 3,410.14 961.85 195,185.85

14,676.86 16,630.93 20,880.23 25,820.55 36,859.26 47,018.31 59,520.86 74,630.45 87,788.89 98,036.98 107,682.19 119,430.26 130,146.24 145,523.80 157,026.80 175,247.93 187,996.72 190,813.86 194,224.00 195,185.85

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

7.52 7.52 177 177 16.19 16.19 1.00 8.52 27 204 2.47 18.66 2.18 10.70 39 243 3.57 22.23 2.53 13.23 37 280 3.39 25.62 5.66 18.88 78 358 7.14 32.75 5.20 24.09 40 398 3.66 36.41 6.41 30.49 54 452 4.94 41.35 7.74 38.24 66 518 6.04 47.39 6.74 44.98 34 552 3.11 50.50 5.25 50.23 32 584 2.93 53.43 4.94 55.17 13 597 1.19 54.62 6.02 61.19 34 631 3.11 57.73 5.49 66.68 29 660 2.65 60.38 7.88 74.56 48 708 4.39 64.78 5.89 80.45 53 761 4.85 69.62 9.34 89.79 86 847 7.87 77.49 6.53 96.32 196 1,04 17.93 95.43 1.44 97.76 18 1,06 1.65 97.07 1.75 99.51 20 1,08 1.83 98.90 0.49 100.00 12 1,09 1.10 100.00 1,09

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

LOSS RATIO PERCENTAGE BAND CUM.

12,992.79 581.57 800.57 2,698.28 4,728.38 6,613.99 4,767.99 3,861.12 2,552.54 5,028.55 289.82 2,309.96 1,288.81 8,065.62 3,374.94 14,454.97 9,914.32 1,426.07 1,814.09 77,764.77

12,992.79 7.86 7.86 88.53 13,574.37 0.35 8.21 29.76 14,374.94 0.48 8.69 18.84 17,073.22 1.63 10.33 54.62 21,801.60 2.86 13.19 42.83 28,415.59 4.00 17.19 65.10 33,183.58 2.88 20.07 38.14 37,044.70 2.34 22.41 25.55 39,597.25 1.54 23.95 19.40 44,625.80 3.04 26.99 49.07 3.00 44,915.63 0.18 27.17 47,225.58 1.40 28.56 19.66 48,514.39 0.78 29.34 12.03 56,580.01 4.88 34.22 52.45 59,954.95 2.04 36.26 29.34 74,409.93 8.74 45.01 79.33 84,324.24 6.00 51.00 77.77 85,750.32 0.86 51.87 50.62 87,564.41 1.10 52.96 53.20 165,329.17 47.04 100.00 8084.89

165,329.17

84.70

88.53 81.62 68.84 66.12 59.15 60.44 55.75 49.64 45.11 45.52 41.71 39.54 37.28 38.88 38.18 42.46 44.85 44.94 45.08 84.70

Page 11 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 29371

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

Private Warehouse and Storehouse - Subject to Warranty A (Gudang Pribadi)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 10,40 6,488 9,951 8,036 12,02 8,388 7,442 7,205 4,977 2,902 2,462 2,898 2,106 2,727 1,744 2,560 1,703 575 353 47 95,00

10,40 10.96 10.96 16,89 6.83 17.79 26,84 10.47 28.26 34,88 8.46 36.72 46,91 12.66 49.38 55,30 8.83 58.21 62,74 7.83 66.04 69,94 7.58 73.63 74,92 5.24 78.87 77,82 3.05 81.92 80,28 2.59 84.51 83,18 3.05 87.56 85,29 2.22 89.78 88,01 2.87 92.65 89,76 1.84 94.49 92,32 2.69 97.18 94,02 1.79 98.97 94,60 0.61 99.58 94,95 0.37 99.95 95,00 0.05 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

12,739.22 1,744.55 4,273.09 5,004.86 11,136.50 10,452.44 12,898.93 16,128.65 14,422.33 10,506.65 10,359.05 13,632.40 12,439.18 17,860.29 14,140.33 26,713.21 19,561.96 6,465.02 4,433.54 387.16

46 2 4 6 9 10 10 10 14 8 6 5 11 29 6 10 6 2 6 0

225,299.37

12,739.22 5.65 5.65 14,483.77 0.77 6.43 18,756.86 1.90 8.33 23,761.73 2.22 10.55 34,898.23 4.94 15.49 45,350.66 4.64 20.13 58,249.60 5.73 25.85 74,378.25 7.16 33.01 88,800.58 6.40 39.41 99,307.23 4.66 44.08 109,666.28 4.60 48.68 123,298.68 6.05 54.73 135,737.85 5.52 60.25 153,598.14 7.93 68.18 167,738.47 6.28 74.45 194,451.68 11.86 86.31 214,013.64 8.68 94.99 220,478.66 2.87 97.86 224,912.21 1.97 99.83 225,299.37 0.17 100.00

200

46 23.00 23.00 48 1.00 24.00 52 2.00 26.00 58 3.00 29.00 67 4.50 33.50 77 5.00 38.50 87 5.00 43.50 97 5.00 48.50 111 7.00 55.50 119 4.00 59.50 125 3.00 62.50 130 2.50 65.00 141 5.50 70.50 170 14.50 85.00 176 3.00 88.00 186 5.00 93.00 192 3.00 96.00 194 1.00 97.00 200 3.00 100.00 200 0.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 24,268.82 11.91 135.52 298.46 1,342.94 389.66 996.06 694.34 782.04 3,885.53 622.48 289.18 171.50 129,836.36 82.80 3,156.16 38.02 93.27 72,678.41 0.00 239,773.44

LOSS RATIO PERCENTAGE BAND CUM.

24,268.82 10.12 10.12 190.50 190.50 24,280.73 0.00 10.13 0.68 167.64 24,416.25 0.06 10.18 3.17 130.17 24,714.71 0.12 10.31 5.96 104.01 26,057.65 0.56 10.87 12.06 74.67 26,447.31 0.16 11.03 3.73 58.32 27,443.36 0.42 11.45 7.72 47.11 28,137.70 0.29 11.74 4.31 37.83 28,919.75 0.33 12.06 5.42 32.57 32,805.27 1.62 13.68 36.98 33.03 6.01 30.48 33,427.75 0.26 13.94 33,716.93 0.12 14.06 2.12 27.35 33,888.43 0.07 14.13 1.38 24.97 163,724.79 54.15 68.28 726.96 106.59 163,807.59 0.03 68.32 0.59 97.66 166,963.75 1.32 69.63 11.81 85.86 167,001.76 0.02 69.65 0.19 78.03 167,095.04 0.04 69.69 1.44 75.79 239,773.44 30.31 100.00 1,639,28 106.61 239,773.44 0.00 100.00 0.00 106.42 106.42

Page 12 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 29395

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2011

15/10/2011

Show Rooms (Ruang Pamer)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 258 171 277 232 269 226 271 194 116 73 47 66 33 40 15 15 9 1 0 0 2,313

258 429 706 938 1,207 1,433 1,704 1,898 2,014 2,087 2,134 2,200 2,233 2,273 2,288 2,303 2,312 2,313 2,313 2,313

11.15 11.15 7.39 18.55 11.98 30.52 10.03 40.55 11.63 52.18 9.77 61.95 11.72 73.67 8.39 82.06 5.02 87.07 3.16 90.23 2.03 92.26 2.85 95.11 1.43 96.54 1.73 98.27 0.65 98.92 0.65 99.57 0.39 99.96 0.04 100.00 0.00 100.00 0.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 425.09 53.19 84.34 111.30 218.86 273.45 454.18 369.87 279.66 232.01 155.87 293.57 163.97 223.87 106.86 199.12 116.73 54.77 0.00 0.00 3,816.70

425.09 11.14 11.14 478.28 1.39 12.53 562.62 2.21 14.74 673.92 2.92 17.66 892.78 5.73 23.39 1,166.23 7.16 30.56 1,620.41 11.90 42.46 1,990.28 9.69 52.15 2,269.94 7.33 59.47 2,501.94 6.08 65.55 2,657.81 4.08 69.64 2,951.38 7.69 77.33 3,115.35 4.30 81.62 3,339.21 5.87 87.49 3,446.07 2.80 90.29 3,645.19 5.22 95.51 3,761.93 3.06 98.56 3,816.70 1.44 100.00 3,816.70 0.00 100.00 3,816.70 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 6 2 4 2 2 2 0 0 0 0 0 4 0 0 0 3 0 0 0 0 25

6 8 12 14 16 18 18 18 18 18 18 22 22 22 22 25 25 25 25 25

24.00 8.00 16.00 8.00 8.00 8.00 0.00 0.00 0.00 0.00 0.00 16.00 0.00 0.00 0.00 12.00 0.00 0.00 0.00 0.00

24.00 32.00 48.00 56.00 64.00 72.00 72.00 72.00 72.00 72.00 72.00 88.00 88.00 88.00 88.00 100.00 100.00 100.00 100.00 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

178.89 9.07 104.46 8.75 1.90 31.65 0.00 0.00 0.00 0.00 0.00 11.84 0.00 0.00 0.00 69.86 0.00 0.00 0.00 0.00

178.89 42.96 42.96 42.08 187.95 2.18 45.14 17.04 292.42 25.09 70.22 123.86 301.17 2.10 72.32 7.87 303.07 0.46 72.78 0.87 334.72 7.60 80.38 11.57 334.72 0.00 80.38 0.00 334.72 0.00 80.38 0.00 334.72 0.00 80.38 0.00 334.72 0.00 80.38 0.00 0.00 334.72 0.00 80.38 346.56 2.84 83.22 4.03 346.56 0.00 83.22 0.00 346.56 0.00 83.22 0.00 346.56 0.00 83.22 0.00 416.42 16.78 100.00 35.08 416.42 0.00 100.00 0.00 416.42 0.00 100.00 0.00 416.42 0.00 100.00 0.00 416.42 0.00 100.00 0.00

416.42

10.91

42.08 39.30 51.97 44.69 33.95 28.70 20.66 16.82 14.75 13.38 12.59 11.74 11.12 10.38 10.06 11.42 11.07 10.91 10.91 10.91

Page 13 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 29395

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2011

15/10/2011

Show Rooms (Ruang Pamer)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 524 206 395 330 441 316 314 314 213 103 66 144 62 69 36 34 23 3 2 0 3,595

524 14.58 14.58 730 5.73 20.31 1,125 10.99 31.29 1,455 9.18 40.47 1,896 12.27 52.74 2,212 8.79 61.53 2,526 8.73 70.26 2,840 8.73 79.00 3,053 5.92 84.92 3,156 2.87 87.79 3,222 1.84 89.62 3,366 4.01 93.63 3,428 1.72 95.35 3,497 1.92 97.27 3,533 1.00 98.28 3,567 0.95 99.22 3,590 0.64 99.86 3,593 0.08 99.94 3,595 0.06 100.00 3,595 0.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 607.65 56.53 114.48 147.83 355.56 348.26 436.08 556.45 535.56 327.52 200.40 536.04 266.64 393.41 306.36 318.99 302.11 64.00 36.71 0.00 5,910.60

607.65 10.28 10.28 664.18 0.96 11.24 778.66 1.94 13.17 926.50 2.50 15.68 1,282.06 6.02 21.69 1,630.32 5.89 27.58 2,066.40 7.38 34.96 2,622.85 9.41 44.38 3,158.41 9.06 53.44 3,485.93 5.54 58.98 3,686.33 3.39 62.37 4,222.37 9.07 71.44 4,489.01 4.51 75.95 4,882.42 6.66 82.60 5,188.79 5.18 87.79 5,507.77 5.40 93.18 5,809.89 5.11 98.30 5,873.89 1.08 99.38 5,910.60 0.62 100.00 5,910.60 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 17 4 4 3 2 3 1 9 2 0 2 6 0 2 0 8 0 0 0 0 63

17 26.98 26.98 21 6.35 33.33 25 6.35 39.68 28 4.76 44.44 30 3.17 47.62 33 4.76 52.38 34 1.59 53.97 43 14.29 68.25 45 3.17 71.43 45 0.00 71.43 47 3.17 74.60 53 9.52 84.13 53 0.00 84.13 55 3.17 87.30 55 0.00 87.30 63 12.70 100.00 63 0.00 100.00 63 0.00 100.00 63 0.00 100.00 63 0.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 2,790.92 32.24 27.01 117.55 24.04 576.73 0.00 100.50 13.55 0.00 22.87 15.16 0.00 169.75 0.00 7,568.65 0.00 0.00 0.00 0.00 11,458.95

LOSS RATIO PERCENTAGE BAND CUM.

2,790.92 24.36 24.36 459.30 459.30 2,823.16 0.28 24.64 57.03 425.06 2,850.17 0.24 24.87 23.59 366.03 2,967.71 1.03 25.90 79.51 320.32 2,991.75 0.21 26.11 6.76 233.36 3,568.48 5.03 31.14 165.60 218.88 3,568.48 0.00 31.14 0.00 172.69 3,668.98 0.88 32.02 18.06 139.89 3,682.53 0.12 32.14 2.53 116.59 3,682.53 0.00 32.14 0.00 105.64 3,705.40 0.20 32.34 11.41 100.52 3,720.56 0.13 32.47 2.83 88.12 3,720.56 0.00 32.47 0.00 82.88 3,890.31 1.48 33.95 43.15 79.68 3,890.31 0.00 33.95 0.00 74.98 11,458.95 66.05 100.00 2372.70 208.05 11,458.95 0.00 100.00 0.00 197.23 11,458.95 0.00 100.00 0.00 195.08 11,458.95 0.00 100.00 0.00 193.87 11,458.95 0.00 100.00 0.00 193.87 193.87

Page 14 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 29395

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

Show Rooms (Ruang Pamer)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 515 120 255 172 320 245 268 293 192 110 68 147 72 78 24 30 14 4 2 0 2,929

515 17.58 17.58 635 4.10 21.68 890 8.71 30.39 1,062 5.87 36.26 1,382 10.93 47.18 1,627 8.36 55.55 1,895 9.15 64.70 2,188 10.00 74.70 2,380 6.56 81.26 2,490 3.76 85.01 2,558 2.32 87.33 2,705 5.02 92.35 2,777 2.46 94.81 2,855 2.66 97.47 2,879 0.82 98.29 2,909 1.02 99.32 2,923 0.48 99.80 2,927 0.14 99.93 2,929 0.07 100.00 2,929 0.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 511.59 26.41 615.31 100.56 252.07 251.37 360.71 504.06 369.89 308.12 201.73 483.51 283.38 378.71 227.22 343.02 118.75 22.52 0.00 0.00 5,358.94

511.59 9.55 9.55 538.00 0.49 10.04 1,153.31 11.48 21.52 1,253.87 1.88 23.40 1,505.95 4.70 28.10 1,757.32 4.69 32.79 2,118.03 6.73 39.52 2,622.09 9.41 48.93 2,991.97 6.90 55.83 3,300.10 5.75 61.58 3,501.83 3.76 65.35 3,985.33 9.02 74.37 4,268.71 5.29 79.66 4,647.43 7.07 86.72 4,874.64 4.24 90.96 5,217.67 6.40 97.36 5,336.42 2.22 99.58 5,358.94 0.42 100.00 5,358.94 0.00 100.00 5,358.94 0.00 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 7 0 2 0 3 1 0 0 0 0 0 3 4 0 2 0 0 0 0 0 22

7 7 9 9 12 13 13 13 13 13 13 16 20 20 22 22 22 22 22 22

31.82 0.00 9.09 0.00 13.64 4.55 0.00 0.00 0.00 0.00 0.00 13.64 18.18 0.00 9.09 0.00 0.00 0.00 0.00 0.00

31.82 31.82 40.91 40.91 54.55 59.09 59.09 59.09 59.09 59.09 59.09 72.73 90.91 90.91 100.00 100.00 100.00 100.00 100.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 73.82 0.00 5.66 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.86 11.59 0.00 12.16 0.00 0.00 0.00 0.00 0.00 106.09

73.82 69.58 69.58 73.82 0.00 69.58 79.48 5.33 74.92 79.48 0.00 74.92 79.48 0.00 74.92 79.48 0.00 74.92 79.48 0.00 74.92 79.48 0.00 74.92 79.48 0.00 74.92 79.48 0.00 74.92 79.48 0.00 74.92 82.34 2.70 77.61 93.93 10.92 88.54 93.93 0.00 88.54 106.09 11.46 100.00 106.09 0.00 100.00 106.09 0.00 100.00 106.09 0.00 100.00 106.09 0.00 100.00 106.09 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 14.43 0.00 0.92 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.59 4.09 0.00 5.35 0.00 0.00 0.00 0.00 0.00

14.43 13.72 6.89 6.34 5.28 4.52 3.75 3.03 2.66 2.41 2.27 2.07 2.20 2.02 2.18 2.03 1.99 1.98 1.98 1.98

1.98

Page 15 of 20

RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 29395

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

Show Rooms (Ruang Pamer)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 129 106 248 357 604 272 379 401 279 161 98 106 74 89 29 53 18 5 1 0 3,409

129 235 483 840 1,444 1,716 2,095 2,496 2,775 2,936 3,034 3,140 3,214 3,303 3,332 3,385 3,403 3,408 3,409 3,409

3.78 3.78 3.11 6.89 7.27 14.17 10.47 24.64 17.72 42.36 7.98 50.34 11.12 61.45 11.76 73.22 8.18 81.40 4.72 86.12 2.87 89.00 3.11 92.11 2.17 94.28 2.61 96.89 0.85 97.74 1.55 99.30 0.53 99.82 0.15 99.97 0.03 100.00 0.00 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 285.26 25.36 84.30 144.45 419.66 283.51 534.62 732.80 618.72 478.17 309.06 468.44 282.92 431.83 211.24 574.45 313.86 99.64 0.00 0.00 6,298.29

285.26 4.53 4.53 310.62 0.40 4.93 394.92 1.34 6.27 539.36 2.29 8.56 959.02 6.66 15.23 1,242.52 4.50 19.73 1,777.14 8.49 28.22 2,509.95 11.63 39.85 3,128.67 9.82 49.67 3,606.84 7.59 57.27 3,915.91 4.91 62.17 4,384.35 7.44 69.61 4,667.27 4.49 74.10 5,099.10 6.86 80.96 5,310.34 3.35 84.31 5,884.79 9.12 93.43 6,198.65 4.98 98.42 6,298.29 1.58 100.00 6,298.29 0.00 100.00 6,298.29 0.00 100.00

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

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0.00 0 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 2 100.0 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00 2 0.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.77 0.00 0.00 0.00 0.00 7.77

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.77 100.0 100.00 7.77 0.00 100.00 7.77 0.00 100.00 7.77 0.00 100.00 7.77 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.35 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.13 0.13 0.12 0.12 0.12

0.12

Page 16 of 20

RISK AND LOSS PROFILE 2007 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2007

OCCUPATION CODE

: 3160

DATA POSITION FROM TO PROCESSING

DATE

01/01/2007

15/06/2011

15/10/2011

Estate Plantation Risk - Minyak Kelapa Sawit (tanpa pemakaian bensin dalam pengerjaan)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 18 3 3 7 10 10 10 8 10 5 16 19 11 19 5 23 77 65 15 19 353

18 5.10 5.10 21 0.85 5.95 24 0.85 6.80 31 1.98 8.78 41 2.83 11.61 51 2.83 14.45 61 2.83 17.28 69 2.27 19.55 79 2.83 22.38 84 1.42 23.80 100 4.53 28.33 119 5.38 33.71 130 3.12 36.83 149 5.38 42.21 154 1.42 43.63 177 6.52 50.14 254 21.81 71.95 319 18.41 90.37 334 4.25 94.62 353 5.38 100.00

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

CLAIM FREQUENCY PERCENTAGE f F BAND CUM.

293.62 0.21 0.58 3.24 10.36 9.70 20.72 25.21 23.34 16.73 70.96 65.57 17.99 128.62 61.09 554.59 2,296.07 1,141.36 94.02 83.66

6 0 0 0 0 2 0 0 0 0 0 0 0 5 0 12 21 12 2 0

4,917.64

293.62 5.97 5.97 293.83 0.00 5.97 294.41 0.01 5.99 297.65 0.07 6.05 308.01 0.21 6.26 317.71 0.20 6.46 338.43 0.42 6.88 363.65 0.51 7.39 386.99 0.47 7.87 403.72 0.34 8.21 474.68 1.44 9.65 540.25 1.33 10.99 558.24 0.37 11.35 686.86 2.62 13.97 747.95 1.24 15.21 1,302.54 11.28 26.49 3,598.60 46.69 73.18 4,739.97 23.21 96.39 4,833.98 1.91 98.30 4,917.64 1.70 100.00

6 6 6 6 6 8 8 8 8 8 8 8 8 13 13 25 46 58 60 60

10.00 10.00 0.00 10.00 0.00 10.00 0.00 10.00 0.00 10.00 3.33 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 0.00 13.33 8.33 21.67 0.00 21.67 20.00 41.67 35.00 76.67 20.00 96.67 3.33 100.00 0.00 100.00

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

LOSS RATIO PERCENTAGE BAND CUM.

41.41 0.00 0.00 0.00 0.00 123.58 0.00 0.00 0.00 0.00 0.00 0.00 0.00 471.33 0.00 18.51 657.56 338.17 0.92 0.00

41.41 2.51 2.51 14.10 41.41 0.00 2.51 0.00 41.41 0.00 2.51 0.00 41.41 0.00 2.51 0.00 41.41 0.00 2.51 0.00 164.98 7.48 9.99 1,274,46 164.98 0.00 9.99 0.00 164.98 0.00 9.99 0.00 164.98 0.00 9.99 0.00 164.98 0.00 9.99 0.00 9.99 0.00 164.98 0.00 164.98 0.00 9.99 0.00 164.98 0.00 9.99 0.00 636.31 28.54 38.53 366.44 636.31 0.00 38.53 0.00 654.82 1.12 39.65 3.34 1,312.38 39.82 79.47 28.64 1,650.55 20.48 99.94 29.63 1,651.47 0.06 100.00 0.97 1,651.47 0.00 100.00 0.00

1,651.47

33.58

14.10 14.09 14.06 13.91 13.44 51.93 48.75 45.37 42.63 40.87 34.76 30.54 29.55 92.64 85.07 50.27 36.47 34.82 34.16 33.58

Page 17 of 20

RISK AND LOSS PROFILE 2008 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2008

OCCUPATION CODE

: 3160

DATA POSITION FROM TO PROCESSING

DATE

01/01/2008

15/06/2011

15/10/2011

Estate Plantation Risk - Minyak Kelapa Sawit (tanpa pemakaian bensin dalam pengerjaan)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 46 29 18 12 36 17 24 26 21 8 9 30 9 33 12 40 67 62 52 17 568

46 8.10 8.10 75 5.11 13.20 93 3.17 16.37 105 2.11 18.49 141 6.34 24.82 158 2.99 27.82 182 4.23 32.04 208 4.58 36.62 229 3.70 40.32 237 1.41 41.73 246 1.58 43.31 276 5.28 48.59 285 1.58 50.18 318 5.81 55.99 330 2.11 58.10 370 7.04 65.14 437 11.80 76.94 499 10.92 87.85 551 9.15 97.01 568 2.99 100.00

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 102.77 (1,564,61) 4.13 6.46 31.22 21.46 72.09 52.49 61.08 29.44 63.33 124.97 32.78 304.12 141.11 1,723.90 1,728.03 2,662.40 6,419.32 1,943.89 13,960.38

102.77 (1,461,83) (1,457,70) (1,451,24) (1,420,02) (1,398,56) (1,326,47) (1,273,98) (1,212,90) (1,183,46) (1,120,13) (995,16) (962,38) (658,27) (517,16) 1,206.74 2,934.77 5,597.17 12,016.49 13,960.38

0.74 (11,21) 0.03 0.05 0.22 0.15 0.52 0.38 0.44 0.21 0.45 0.90 0.23 2.18 1.01 12.35 12.38 19.07 45.98 13.92

0.74 (10,47) (10,44) (10,40) (10,17) (10,02) (9,50) (9,13) (8,69) (8,48) (8,02) (7,13) (6,89) (4,72) (3,70) 8.64 21.02 40.09 86.08 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 7 0 0 0 2 0 0 0 2 0 0 2 0 0 2 0 8 8 20 1 52

7 7 7 7 9 9 9 9 11 11 11 13 13 13 15 15 23 31 51 52

13.46 13.46 0.00 13.46 0.00 13.46 0.00 13.46 3.85 17.31 0.00 17.31 0.00 17.31 0.00 17.31 3.85 21.15 0.00 21.15 0.00 21.15 3.85 25.00 0.00 25.00 0.00 25.00 3.85 28.85 0.00 28.85 15.38 44.23 15.38 59.62 38.46 98.08 1.92 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 119.08 0.00 0.00 0.00 4.11 0.00 0.00 0.00 80.11 0.00 0.00 41.06 0.00 0.00 202.94 0.00 15.71 383.69 52.39 0.00 899.07

119.08 13.24 13.24 119.08 0.00 13.24 119.08 0.00 13.24 119.08 0.00 13.24 123.18 0.46 13.70 123.18 0.00 13.70 123.18 0.00 13.70 123.18 0.00 13.70 203.29 8.91 22.61 203.29 0.00 22.61 203.29 0.00 22.61 244.35 4.57 27.18 244.35 0.00 27.18 244.35 0.00 27.18 447.28 22.57 49.75 447.28 0.00 49.75 462.99 1.75 51.50 846.69 42.68 94.17 899.07 5.83 100.00 899.07 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 115.86 115.86 0.00 (8,15) 0.00 (8,17) 0.00 (8,21) 13.15 (8,67) 0.00 (8,81) 0.00 (9,29) 0.00 (9,67) 131.16 (16,76) 0.00 (17,18) 0.00 (18,15) 32.85 (24,55) 0.00 (25,39) 0.00 (37,12) 143.82 (86,49) 0.00 37.07 0.91 15.78 14.41 15.13 0.82 7.48 0.00 6.44 6.44

Page 18 of 20

RISK AND LOSS PROFILE 2009 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2009

OCCUPATION CODE

: 3160

DATA POSITION FROM TO PROCESSING

DATE

01/01/2009

15/06/2011

15/10/2011

Estate Plantation Risk - Minyak Kelapa Sawit (tanpa pemakaian bensin dalam pengerjaan)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 56 56 4.59 4.59 38 94 3.11 7.70 52 146 4.26 11.97 52 198 4.26 16.23 89 287 7.30 23.52 50 337 4.10 27.62 41 378 3.36 30.98 39 417 3.20 34.18 34 451 2.79 36.97 20 471 1.64 38.61 22 493 1.80 40.41 74 567 6.07 46.48 45 612 3.69 50.16 70 682 5.74 55.90 47 729 3.85 59.75 97 826 7.95 67.70 140 966 11.48 79.18 135 1,101 11.07 90.25 93 1,194 7.62 97.87 26 1,220 2.13 100.00 1,220

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 150.74 36.48 14.05 95.03 50.93 38.71 41.49 76.96 62.92 42.27 135.61 237.79 284.07 183.71 257.09 932.98 2,759.11 1,861.98 803.26 3,524.82 11,589.97

150.74 187.21 201.26 296.29 347.22 385.93 427.42 504.38 567.29 609.56 745.17 982.97 1,267.03 1,450.74 1,707.83 2,640.81 5,399.92 7,261.89 8,065.15 11,589.97

1.30 0.31 0.12 0.82 0.44 0.33 0.36 0.66 0.54 0.36 1.17 2.05 2.45 1.59 2.22 8.05 23.81 16.07 6.93 30.41

1.30 1.62 1.74 2.56 3.00 3.33 3.69 4.35 4.89 5.26 6.43 8.48 10.93 12.52 14.74 22.79 46.59 62.66 69.59 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 0 3 0 6 16 0 6 5 0 0 36

0 0 0 0 0 0 0 0 0 0 0 3 3 9 25 25 31 36 36 36

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.33 8.33 0.00 8.33 16.67 25.00 44.44 69.44 0.00 69.44 16.67 86.11 13.89 100.00 0.00 100.00 0.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 559.18 821.00 0.00 17.46 1,843.30 0.00 0.00 3,240.93

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 559.18 17.25 17.25 1,380.18 25.33 42.59 1,380.18 0.00 42.59 1,397.64 0.54 43.12 3,240.93 56.88 100.00 3,240.93 0.00 100.00 3,240.93 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 304.39 319.34 0.00 0.63 99.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 38.54 80.81 52.26 25.88 44.63 40.18 27.96

27.96

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RISK AND LOSS PROFILE 2010 CLASS OF BUSINESS

: TOTAL FIRE, IAR, LOP, EQ

UNDERWRITING YEAR

: 2010

OCCUPATION CODE

: 3160

DATA POSITION FROM TO PROCESSING

DATE

01/01/2010

15/06/2011

15/10/2011

Estate Plantation Risk - Minyak Kelapa Sawit (tanpa pemakaian bensin dalam pengerjaan)

BAND

SUM INSURED (In Million) From To

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

Mid Points

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

NUMBER OF POLICIES PERCENTAGE f F BAND CUM. 36 36 2.99 2.99 11 47 0.91 3.90 21 68 1.74 5.65 28 96 2.33 7.97 22 118 1.83 9.80 40 158 3.32 13.12 17 175 1.41 14.53 40 215 3.32 17.86 74 289 6.15 24.00 34 323 2.82 26.83 41 364 3.41 30.23 77 441 6.40 36.63 47 488 3.90 40.53 96 584 7.97 48.50 28 612 2.33 50.83 77 689 6.40 57.23 175 864 14.53 71.76 191 1,055 15.86 87.62 115 1,170 9.55 97.18 34 1,204 2.82 100.00 1,204

ORIGINAL PREMIUM (In Million Rp) PERCENTAGE rp RP BAND CUM. 375.91 1.13 3.24 (4,30) 6.61 89.65 12.23 74.99 93.73 118.73 161.34 334.85 331.54 633.02 168.61 599.73 5,629.77 5,392.37 3,913.39 242.04 18,178.59

375.91 377.04 380.29 375.98 382.60 472.25 484.48 559.47 653.20 771.93 933.27 1,268.11 1,599.65 2,232.67 2,401.28 3,001.01 8,630.78 14,023.16 17,936.55 18,178.59

2.07 0.01 0.02 (0,02) 0.04 0.49 0.07 0.41 0.52 0.65 0.89 1.84 1.82 3.48 0.93 3.30 30.97 29.66 21.53 1.33

2.07 2.07 2.09 2.07 2.10 2.60 2.67 3.08 3.59 4.25 5.13 6.98 8.80 12.28 13.21 16.51 47.48 77.14 98.67 100.00

CLAIM FREQUENCY PERCENTAGE f F BAND CUM. 0 0 0 0 0 0 0 0 0 0 2 0 0 0 0 0 2 2 0 0 6

0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 2 33.33 33.33 2 0.00 33.33 2 0.00 33.33 2 0.00 33.33 2 0.00 33.33 2 0.00 33.33 4 33.33 66.67 6 33.33 100.00 6 0.00 100.00 6 0.00 100.00

CLAIM SEVERITY ( In Million Rp) PERCENTAGE rp RP BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 167.35 0.00 0.00 0.00 0.00 0.00 7.50 932.50 0.00 0.00 1,107.35

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 167.35 15.11 15.11 167.35 0.00 15.11 167.35 0.00 15.11 167.35 0.00 15.11 167.35 0.00 15.11 167.35 0.00 15.11 174.85 0.68 15.79 1,107.35 84.21 100.00 1,107.35 0.00 100.00 1,107.35 0.00 100.00

LOSS RATIO PERCENTAGE BAND CUM. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 103.73 0.00 0.00 0.00 0.00 0.00 0.13 17.29 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17.93 13.20 10.46 7.50 6.97 5.58 2.03 7.90 6.17 6.09

6.09

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